id	sid	tid	token	lemma	pos
fsr-3297	1	1	the	the	DET
fsr-3297	1	2	impact	impact	NOUN
fsr-3297	1	3	of	of	ADP
fsr-3297	1	4	age	age	NOUN
fsr-3297	1	5	differences	difference	NOUN
fsr-3297	1	6	and	and	CCONJ
fsr-3297	1	7	race	race	NOUN
fsr-3297	1	8	on	on	ADP
fsr-3297	1	9	the	the	DET
fsr-3297	1	10	social	social	ADJ
fsr-3297	1	11	security	security	NOUN
fsr-3297	1	12	early	early	ADJ
fsr-3297	1	13	retirement	retirement	NOUN
fsr-3297	1	14	decision	decision	NOUN
fsr-3297	1	15	for	for	ADP
fsr-3297	1	16	married	married	ADJ
fsr-3297	1	17	couples	couple	NOUN
fsr-3297	1	18	:	:	PUNCT
fsr-3297	1	19	an	an	DET
fsr-3297	1	20	extension	extension	NOUN
fsr-3297	1	21	with	with	ADP
fsr-3297	1	22	gender	gender	NOUN
fsr-3297	1	23	role	role	NOUN
fsr-3297	1	24	reversals	reversal	VERB
fsr-3297	1	25	diane	diane	PROPN
fsr-3297	1	26	scott	scott	PROPN
fsr-3297	1	27	dockinga	dockinga	PROPN
fsr-3297	1	28	,	,	PUNCT
fsr-3297	1	29	*	*	PUNCT
fsr-3297	1	30	,	,	PUNCT
fsr-3297	1	31	rich	rich	ADJ
fsr-3297	1	32	fortinb	fortinb	NOUN
fsr-3297	1	33	,	,	PUNCT
fsr-3297	1	34	stuart	stuart	PROPN
fsr-3297	1	35	michelsonc	michelsonc	VERB
fsr-3297	1	36	anorthern	anorthern	PROPN
fsr-3297	1	37	illinois	illinois	PROPN
fsr-3297	1	38	university	university	PROPN
fsr-3297	1	39	,	,	PUNCT
fsr-3297	1	40	department	department	NOUN
fsr-3297	1	41	of	of	ADP
fsr-3297	1	42	finance	finance	PROPN
fsr-3297	1	43	,	,	PUNCT
fsr-3297	1	44	dekalb	dekalb	PROPN
fsr-3297	1	45	,	,	PUNCT
fsr-3297	1	46	il	il	PROPN
fsr-3297	1	47	60115	60115	NUM
fsr-3297	1	48	,	,	PUNCT
fsr-3297	1	49	usa	usa	PROPN
fsr-3297	1	50	bnew	bnew	VERB
fsr-3297	1	51	mexico	mexico	PROPN
fsr-3297	1	52	state	state	PROPN
fsr-3297	1	53	university	university	PROPN
fsr-3297	1	54	,	,	PUNCT
fsr-3297	1	55	msc	msc	PROPN
fsr-3297	1	56	3	3	NUM
fsr-3297	1	57	fin	fin	PROPN
fsr-3297	1	58	,	,	PUNCT
fsr-3297	1	59	box	box	PROPN
fsr-3297	1	60	30001	30001	NUM
fsr-3297	1	61	,	,	PUNCT
fsr-3297	1	62	las	las	NOUN
fsr-3297	1	63	cruces	crux	NOUN
fsr-3297	1	64	,	,	PUNCT
fsr-3297	1	65	nm	nm	NOUN
fsr-3297	1	66	88003	88003	NUM
fsr-3297	1	67	,	,	PUNCT
fsr-3297	1	68	usa	usa	PROPN
fsr-3297	1	69	cstetson	cstetson	PROPN
fsr-3297	1	70	university	university	PROPN
fsr-3297	1	71	,	,	PUNCT
fsr-3297	1	72	school	school	NOUN
fsr-3297	1	73	of	of	ADP
fsr-3297	1	74	business	business	NOUN
fsr-3297	1	75	–	–	PUNCT
fsr-3297	1	76	unit	unit	NOUN
fsr-3297	1	77	8398	8398	NUM
fsr-3297	1	78	,	,	PUNCT
fsr-3297	1	79	421	421	NUM
fsr-3297	1	80	n.	n.	PROPN
fsr-3297	1	81	woodland	woodland	PROPN
fsr-3297	1	82	boulevard	boulevard	PROPN
fsr-3297	1	83	,	,	PUNCT
fsr-3297	1	84	deland	deland	PROPN
fsr-3297	1	85	,	,	PUNCT
fsr-3297	1	86	fl	fl	PROPN
fsr-3297	1	87	32723	32723	NUM
fsr-3297	1	88	,	,	PUNCT
fsr-3297	1	89	usa	usa	PROPN
fsr-3297	1	90	abstract	abstract	NOUN
fsr-3297	1	91	the	the	DET
fsr-3297	1	92	purpose	purpose	NOUN
fsr-3297	1	93	of	of	ADP
fsr-3297	1	94	this	this	DET
fsr-3297	1	95	study	study	NOUN
fsr-3297	1	96	is	be	AUX
fsr-3297	1	97	to	to	PART
fsr-3297	1	98	examine	examine	VERB
fsr-3297	1	99	the	the	DET
fsr-3297	1	100	impact	impact	NOUN
fsr-3297	1	101	of	of	ADP
fsr-3297	1	102	age	age	NOUN
fsr-3297	1	103	differences	difference	NOUN
fsr-3297	1	104	on	on	ADP
fsr-3297	1	105	the	the	DET
fsr-3297	1	106	social	social	ADJ
fsr-3297	1	107	security	security	NOUN
fsr-3297	1	108	early	early	ADV
fsr-3297	1	109	and	and	CCONJ
fsr-3297	1	110	delayed	delay	VERB
fsr-3297	1	111	retirement	retirement	NOUN
fsr-3297	1	112	decision	decision	NOUN
fsr-3297	1	113	for	for	ADP
fsr-3297	1	114	married	married	ADJ
fsr-3297	1	115	couples	couple	NOUN
fsr-3297	1	116	.	.	PUNCT
fsr-3297	2	1	this	this	DET
fsr-3297	2	2	article	article	NOUN
fsr-3297	2	3	extends	extend	VERB
fsr-3297	2	4	the	the	DET
fsr-3297	2	5	analysis	analysis	NOUN
fsr-3297	2	6	of	of	ADP
fsr-3297	2	7	docking	docking	NOUN
fsr-3297	2	8	,	,	PUNCT
fsr-3297	2	9	fortin	fortin	PROPN
fsr-3297	2	10	,	,	PUNCT
fsr-3297	2	11	and	and	CCONJ
fsr-3297	2	12	michelson	michelson	PROPN
fsr-3297	2	13	’s	’s	PART
fsr-3297	2	14	2015	2015	NUM
fsr-3297	2	15	study	study	NOUN
fsr-3297	2	16	that	that	PRON
fsr-3297	2	17	assumed	assume	VERB
fsr-3297	2	18	the	the	DET
fsr-3297	2	19	working	working	NOUN
fsr-3297	2	20	spouse	spouse	NOUN
fsr-3297	2	21	(	(	PUNCT
fsr-3297	2	22	male	male	NOUN
fsr-3297	2	23	)	)	PUNCT
fsr-3297	2	24	was	be	AUX
fsr-3297	2	25	older	old	ADJ
fsr-3297	2	26	than	than	ADP
fsr-3297	2	27	the	the	DET
fsr-3297	2	28	non	non	ADJ
fsr-3297	2	29	-	-	ADJ
fsr-3297	2	30	working	working	ADJ
fsr-3297	2	31	spouse	spouse	NOUN
fsr-3297	2	32	(	(	PUNCT
fsr-3297	2	33	female	female	NOUN
fsr-3297	2	34	)	)	PUNCT
fsr-3297	2	35	.	.	PUNCT
fsr-3297	3	1	in	in	ADP
fsr-3297	3	2	this	this	DET
fsr-3297	3	3	current	current	ADJ
fsr-3297	3	4	study	study	NOUN
fsr-3297	3	5	we	we	PRON
fsr-3297	3	6	reverse	reverse	VERB
fsr-3297	3	7	the	the	DET
fsr-3297	3	8	spouse	spouse	NOUN
fsr-3297	3	9	and	and	CCONJ
fsr-3297	3	10	spouse	spouse	NOUN
fsr-3297	3	11	employment	employment	NOUN
fsr-3297	3	12	role	role	NOUN
fsr-3297	3	13	and	and	CCONJ
fsr-3297	3	14	ages	age	NOUN
fsr-3297	3	15	.	.	PUNCT
fsr-3297	4	1	we	we	PRON
fsr-3297	4	2	now	now	ADV
fsr-3297	4	3	assume	assume	VERB
fsr-3297	4	4	a	a	DET
fsr-3297	4	5	working	working	NOUN
fsr-3297	4	6	spouse	spouse	NOUN
fsr-3297	4	7	(	(	PUNCT
fsr-3297	4	8	female	female	NOUN
fsr-3297	4	9	)	)	PUNCT
fsr-3297	4	10	who	who	PRON
fsr-3297	4	11	is	be	AUX
fsr-3297	4	12	older	old	ADJ
fsr-3297	4	13	than	than	ADP
fsr-3297	4	14	her	her	PRON
fsr-3297	4	15	non	non	ADJ
fsr-3297	4	16	-	-	ADJ
fsr-3297	4	17	working	working	ADJ
fsr-3297	4	18	spouse	spouse	NOUN
fsr-3297	4	19	(	(	PUNCT
fsr-3297	4	20	male	male	NOUN
fsr-3297	4	21	)	)	PUNCT
fsr-3297	4	22	.	.	PUNCT
fsr-3297	5	1	we	we	PRON
fsr-3297	5	2	analyze	analyze	VERB
fsr-3297	5	3	the	the	DET
fsr-3297	5	4	nine	nine	NUM
fsr-3297	5	5	married	married	ADJ
fsr-3297	5	6	couple	couple	NOUN
fsr-3297	5	7	combinations	combination	NOUN
fsr-3297	5	8	for	for	ADP
fsr-3297	5	9	the	the	DET
fsr-3297	5	10	following	follow	VERB
fsr-3297	5	11	races	race	NOUN
fsr-3297	5	12	:	:	PUNCT
fsr-3297	5	13	whites	white	NOUN
fsr-3297	5	14	(	(	PUNCT
fsr-3297	5	15	w	w	NOUN
fsr-3297	5	16	)	)	PUNCT
fsr-3297	5	17	,	,	PUNCT
fsr-3297	5	18	hispanics	hispanic	NOUN
fsr-3297	5	19	(	(	PUNCT
fsr-3297	5	20	h	h	NOUN
fsr-3297	5	21	)	)	PUNCT
fsr-3297	5	22	,	,	PUNCT
fsr-3297	5	23	and	and	CCONJ
fsr-3297	5	24	blacks	black	NOUN
fsr-3297	5	25	(	(	PUNCT
fsr-3297	5	26	b	b	NOUN
fsr-3297	5	27	)	)	PUNCT
fsr-3297	5	28	.	.	PUNCT
fsr-3297	6	1	we	we	PRON
fsr-3297	6	2	develop	develop	VERB
fsr-3297	6	3	an	an	DET
fsr-3297	6	4	excel	excel	NOUN
fsr-3297	6	5	model	model	NOUN
fsr-3297	6	6	to	to	PART
fsr-3297	6	7	compute	compute	VERB
fsr-3297	6	8	the	the	DET
fsr-3297	6	9	breakeven	breakeven	ADJ
fsr-3297	6	10	internal	internal	ADJ
fsr-3297	6	11	rate	rate	NOUN
fsr-3297	6	12	of	of	ADP
fsr-3297	6	13	return	return	NOUN
fsr-3297	6	14	(	(	PUNCT
fsr-3297	6	15	be	be	AUX
fsr-3297	6	16	irr	irr	NOUN
fsr-3297	6	17	)	)	PUNCT
fsr-3297	6	18	for	for	ADP
fsr-3297	6	19	each	each	PRON
fsr-3297	6	20	of	of	ADP
fsr-3297	6	21	nine	nine	NUM
fsr-3297	6	22	race	race	NOUN
fsr-3297	6	23	combinations	combination	NOUN
fsr-3297	6	24	.	.	PUNCT
fsr-3297	7	1	three	three	NUM
fsr-3297	7	2	claiming	claim	VERB
fsr-3297	7	3	scenarios	scenario	NOUN
fsr-3297	7	4	are	be	AUX
fsr-3297	7	5	considered	consider	VERB
fsr-3297	7	6	:	:	PUNCT
fsr-3297	7	7	receiving	receive	VERB
fsr-3297	7	8	benefits	benefit	NOUN
fsr-3297	7	9	early	early	ADV
fsr-3297	7	10	(	(	PUNCT
fsr-3297	7	11	e.g.	e.g.	ADV
fsr-3297	7	12	,	,	PUNCT
fsr-3297	7	13	at	at	ADP
fsr-3297	7	14	age	age	NOUN
fsr-3297	7	15	62	62	NUM
fsr-3297	7	16	vs.	vs.	ADP
fsr-3297	7	17	66	66	NUM
fsr-3297	7	18	)	)	PUNCT
fsr-3297	7	19	,	,	PUNCT
fsr-3297	7	20	the	the	DET
fsr-3297	7	21	maximum	maximum	ADJ
fsr-3297	7	22	realistic	realistic	ADJ
fsr-3297	7	23	delay	delay	NOUN
fsr-3297	7	24	period	period	NOUN
fsr-3297	7	25	(	(	PUNCT
fsr-3297	7	26	e.g.	e.g.	ADV
fsr-3297	7	27	,	,	PUNCT
fsr-3297	7	28	at	at	ADP
fsr-3297	7	29	age	age	NOUN
fsr-3297	7	30	62	62	NUM
fsr-3297	7	31	vs.	vs.	ADP
fsr-3297	7	32	70	70	NUM
fsr-3297	7	33	)	)	PUNCT
fsr-3297	7	34	,	,	PUNCT
fsr-3297	7	35	and	and	CCONJ
fsr-3297	7	36	delaying	delay	VERB
fsr-3297	7	37	benefits	benefit	NOUN
fsr-3297	7	38	past	past	ADP
fsr-3297	7	39	full	full	ADJ
fsr-3297	7	40	retirement	retirement	NOUN
fsr-3297	7	41	age	age	NOUN
fsr-3297	7	42	(	(	PUNCT
fsr-3297	7	43	e.g.	e.g.	ADV
fsr-3297	7	44	,	,	PUNCT
fsr-3297	7	45	age	age	NOUN
fsr-3297	7	46	66	66	NUM
fsr-3297	7	47	vs.	vs.	ADP
fsr-3297	7	48	70	70	NUM
fsr-3297	7	49	)	)	PUNCT
fsr-3297	7	50	.	.	PUNCT
fsr-3297	8	1	within	within	ADP
fsr-3297	8	2	these	these	DET
fsr-3297	8	3	three	three	NUM
fsr-3297	8	4	claiming	claim	VERB
fsr-3297	8	5	scenarios	scenario	NOUN
fsr-3297	8	6	we	we	PRON
fsr-3297	8	7	examine	examine	VERB
fsr-3297	8	8	couples	couple	NOUN
fsr-3297	8	9	by	by	ADP
fsr-3297	8	10	race	race	NOUN
fsr-3297	8	11	combination	combination	NOUN
fsr-3297	8	12	who	who	PRON
fsr-3297	8	13	retire	retire	VERB
fsr-3297	8	14	at	at	ADP
fsr-3297	8	15	the	the	DET
fsr-3297	8	16	same	same	ADJ
fsr-3297	8	17	age	age	NOUN
fsr-3297	8	18	and	and	CCONJ
fsr-3297	8	19	at	at	ADP
fsr-3297	8	20	different	different	ADJ
fsr-3297	8	21	ages	age	NOUN
fsr-3297	8	22	,	,	PUNCT
fsr-3297	8	23	and	and	CCONJ
fsr-3297	8	24	with	with	ADP
fsr-3297	8	25	age	age	NOUN
fsr-3297	8	26	differences	difference	NOUN
fsr-3297	8	27	of	of	ADP
fsr-3297	8	28	0	0	NUM
fsr-3297	8	29	,	,	PUNCT
fsr-3297	8	30	4	4	NUM
fsr-3297	8	31	,	,	PUNCT
fsr-3297	8	32	7	7	NUM
fsr-3297	8	33	,	,	PUNCT
fsr-3297	8	34	and	and	CCONJ
fsr-3297	8	35	10	10	NUM
fsr-3297	8	36	years	year	NOUN
fsr-3297	8	37	.	.	PUNCT
fsr-3297	9	1	we	we	PRON
fsr-3297	9	2	compare	compare	VERB
fsr-3297	9	3	the	the	DET
fsr-3297	9	4	results	result	NOUN
fsr-3297	9	5	of	of	ADP
fsr-3297	9	6	the	the	DET
fsr-3297	9	7	two	two	NUM
fsr-3297	9	8	studies	study	NOUN
fsr-3297	9	9	.	.	PUNCT
fsr-3297	10	1	the	the	DET
fsr-3297	10	2	primary	primary	ADJ
fsr-3297	10	3	substantive	substantive	ADJ
fsr-3297	10	4	conclusions	conclusion	NOUN
fsr-3297	10	5	from	from	ADP
fsr-3297	10	6	this	this	DET
fsr-3297	10	7	study	study	NOUN
fsr-3297	10	8	depends	depend	VERB
fsr-3297	10	9	on	on	ADP
fsr-3297	10	10	the	the	DET
fsr-3297	10	11	age	age	NOUN
fsr-3297	10	12	comparisons	comparison	NOUN
fsr-3297	10	13	that	that	PRON
fsr-3297	10	14	are	be	AUX
fsr-3297	10	15	being	be	AUX
fsr-3297	10	16	made	make	VERB
fsr-3297	10	17	.	.	PUNCT
fsr-3297	11	1	for	for	ADP
fsr-3297	11	2	couples	couple	NOUN
fsr-3297	11	3	who	who	PRON
fsr-3297	11	4	retire	retire	VERB
fsr-3297	11	5	at	at	ADP
fsr-3297	11	6	the	the	DET
fsr-3297	11	7	same	same	ADJ
fsr-3297	11	8	age	age	NOUN
fsr-3297	11	9	or	or	CCONJ
fsr-3297	11	10	at	at	ADP
fsr-3297	11	11	different	different	ADJ
fsr-3297	11	12	ages	age	NOUN
fsr-3297	11	13	,	,	PUNCT
fsr-3297	11	14	the	the	PRON
fsr-3297	11	15	greater	great	ADJ
fsr-3297	11	16	the	the	DET
fsr-3297	11	17	age	age	NOUN
fsr-3297	11	18	difference	difference	NOUN
fsr-3297	11	19	the	the	PRON
fsr-3297	11	20	greater	great	ADJ
fsr-3297	11	21	the	the	DET
fsr-3297	11	22	incentive	incentive	NOUN
fsr-3297	11	23	to	to	PART
fsr-3297	11	24	retire	retire	VERB
fsr-3297	11	25	early	early	ADV
fsr-3297	11	26	as	as	SCONJ
fsr-3297	11	27	the	the	DET
fsr-3297	11	28	hurdle	hurdle	NOUN
fsr-3297	11	29	rate	rate	NOUN
fsr-3297	11	30	is	be	AUX
fsr-3297	11	31	lower	low	ADJ
fsr-3297	11	32	to	to	PART
fsr-3297	11	33	overcome	overcome	VERB
fsr-3297	11	34	.	.	PUNCT
fsr-3297	12	1	this	this	PRON
fsr-3297	12	2	is	be	AUX
fsr-3297	12	3	true	true	ADJ
fsr-3297	12	4	irrespective	irrespective	ADV
fsr-3297	12	5	who	who	PRON
fsr-3297	12	6	is	be	AUX
fsr-3297	12	7	older	old	ADJ
fsr-3297	12	8	and	and	CCONJ
fsr-3297	12	9	the	the	DET
fsr-3297	12	10	breadwinner	breadwinner	NOUN
fsr-3297	12	11	(	(	PUNCT
fsr-3297	12	12	earning	earning	NOUN
fsr-3297	12	13	spouse	spouse	NOUN
fsr-3297	12	14	)	)	PUNCT
fsr-3297	12	15	.	.	PUNCT
fsr-3297	13	1	women	woman	NOUN
fsr-3297	13	2	almost	almost	ADV
fsr-3297	13	3	always	always	ADV
fsr-3297	13	4	have	have	VERB
fsr-3297	13	5	higher	high	ADJ
fsr-3297	13	6	be	be	AUX
fsr-3297	13	7	irrs	irrs	NOUN
fsr-3297	13	8	than	than	ADP
fsr-3297	13	9	men	man	NOUN
fsr-3297	13	10	.	.	PUNCT
fsr-3297	14	1	the	the	DET
fsr-3297	14	2	implication	implication	NOUN
fsr-3297	14	3	is	be	AUX
fsr-3297	14	4	that	that	SCONJ
fsr-3297	14	5	in	in	ADP
fsr-3297	14	6	marriages	marriage	NOUN
fsr-3297	14	7	where	where	SCONJ
fsr-3297	14	8	the	the	DET
fsr-3297	14	9	spouse	spouse	NOUN
fsr-3297	14	10	is	be	AUX
fsr-3297	14	11	the	the	DET
fsr-3297	14	12	breadwinner	breadwinner	NOUN
fsr-3297	14	13	and	and	CCONJ
fsr-3297	14	14	the	the	DET
fsr-3297	14	15	older	old	ADJ
fsr-3297	14	16	partner	partner	NOUN
fsr-3297	14	17	,	,	PUNCT
fsr-3297	14	18	it	it	PRON
fsr-3297	14	19	is	be	AUX
fsr-3297	14	20	more	more	ADV
fsr-3297	14	21	difficult	difficult	ADJ
fsr-3297	14	22	for	for	SCONJ
fsr-3297	14	23	the	the	DET
fsr-3297	14	24	couple	couple	NOUN
fsr-3297	14	25	to	to	PART
fsr-3297	14	26	retire	retire	VERB
fsr-3297	14	27	early	early	ADV
fsr-3297	14	28	,	,	PUNCT
fsr-3297	14	29	as	as	SCONJ
fsr-3297	14	30	compared	compare	VERB
fsr-3297	14	31	to	to	ADP
fsr-3297	14	32	marriages	marriage	NOUN
fsr-3297	14	33	where	where	SCONJ
fsr-3297	14	34	the	the	DET
fsr-3297	14	35	spouse	spouse	NOUN
fsr-3297	14	36	is	be	AUX
fsr-3297	14	37	the	the	DET
fsr-3297	14	38	breadwinner	breadwinner	NOUN
fsr-3297	14	39	and	and	CCONJ
fsr-3297	14	40	the	the	DET
fsr-3297	14	41	older	old	ADJ
fsr-3297	14	42	partner	partner	NOUN
fsr-3297	14	43	.	.	PUNCT
fsr-3297	14	44	irrespective	irrespective	ADV
fsr-3297	14	45	of	of	ADP
fsr-3297	14	46	who	who	PRON
fsr-3297	14	47	is	be	AUX
fsr-3297	14	48	the	the	DET
fsr-3297	14	49	breadwinner	breadwinner	NOUN
fsr-3297	14	50	,	,	PUNCT
fsr-3297	14	51	hispanics	hispanic	NOUN
fsr-3297	14	52	have	have	VERB
fsr-3297	14	53	higher	high	ADJ
fsr-3297	14	54	hurdle	hurdle	NOUN
fsr-3297	14	55	rates	rate	NOUN
fsr-3297	14	56	,	,	PUNCT
fsr-3297	14	57	whereas	whereas	SCONJ
fsr-3297	14	58	whites	white	NOUN
fsr-3297	14	59	have	have	VERB
fsr-3297	14	60	lower	low	ADJ
fsr-3297	14	61	hurdle	hurdle	NOUN
fsr-3297	14	62	rates	rate	NOUN
fsr-3297	14	63	.	.	PUNCT
fsr-3297	15	1	for	for	ADP
fsr-3297	15	2	a	a	DET
fsr-3297	15	3	given	give	VERB
fsr-3297	15	4	retirement	retirement	NOUN
fsr-3297	15	5	age	age	NOUN
fsr-3297	15	6	comparison	comparison	NOUN
fsr-3297	15	7	or	or	CCONJ
fsr-3297	15	8	age	age	NOUN
fsr-3297	15	9	difference	difference	NOUN
fsr-3297	15	10	the	the	DET
fsr-3297	15	11	results	result	NOUN
fsr-3297	15	12	can	can	AUX
fsr-3297	15	13	be	be	AUX
fsr-3297	15	14	interpreted	interpret	VERB
fsr-3297	15	15	as	as	SCONJ
fsr-3297	15	16	follows	follow	VERB
fsr-3297	15	17	:	:	PUNCT
fsr-3297	15	18	the	the	DET
fsr-3297	15	19	high	high	ADJ
fsr-3297	15	20	(	(	PUNCT
fsr-3297	15	21	low	low	ADJ
fsr-3297	15	22	)	)	PUNCT
fsr-3297	15	23	breakeven	breakeven	NOUN
fsr-3297	15	24	group	group	NOUN
fsr-3297	15	25	would	would	AUX
fsr-3297	15	26	prefer	prefer	VERB
fsr-3297	15	27	to	to	ADP
fsr-3297	15	28	*	*	PUNCT
fsr-3297	15	29	corresponding	correspond	VERB
fsr-3297	15	30	author	author	NOUN
fsr-3297	15	31	.	.	PUNCT
fsr-3297	16	1	tel	tel	PROPN
fsr-3297	16	2	.	.	PUNCT
fsr-3297	16	3	:	:	PUNCT
fsr-3297	17	1	�	�	PROPN
fsr-3297	17	2	1	1	NUM
fsr-3297	17	3	-	-	PUNCT
fsr-3297	17	4	815	815	NUM
fsr-3297	17	5	-	-	PUNCT
fsr-3297	17	6	753	753	NUM
fsr-3297	17	7	-	-	SYM
fsr-3297	17	8	6396	6396	NUM
fsr-3297	17	9	;	;	PUNCT
fsr-3297	17	10	fax	fax	NOUN
fsr-3297	17	11	:	:	PUNCT
fsr-3297	17	12	�	�	PROPN
fsr-3297	17	13	1	1	NUM
fsr-3297	17	14	-	-	PUNCT
fsr-3297	17	15	815	815	NUM
fsr-3297	17	16	-	-	PUNCT
fsr-3297	17	17	753	753	NUM
fsr-3297	17	18	-	-	NUM
fsr-3297	17	19	0504	0504	NUM
fsr-3297	17	20	.	.	PUNCT
fsr-3297	18	1	e	e	X
fsr-3297	18	2	-	-	NOUN
fsr-3297	18	3	mail	mail	NOUN
fsr-3297	18	4	address	address	NOUN
fsr-3297	18	5	:	:	PUNCT
fsr-3297	18	6	ddocking@niu.edu	ddocking@niu.edu	PROPN
fsr-3297	18	7	(	(	PUNCT
fsr-3297	18	8	d.s	d.s	PROPN
fsr-3297	18	9	.	.	PROPN
fsr-3297	18	10	docking	docking	NOUN
fsr-3297	18	11	)	)	PUNCT
fsr-3297	18	12	financial	financial	ADJ
fsr-3297	18	13	services	service	NOUN
fsr-3297	18	14	review	review	VERB
fsr-3297	18	15	26	26	NUM
fsr-3297	18	16	(	(	PUNCT
fsr-3297	18	17	2017	2017	NUM
fsr-3297	18	18	)	)	PUNCT
fsr-3297	18	19	87–111	87–111	PROPN
fsr-3297	18	20	1057	1057	NUM
fsr-3297	18	21	-	-	SYM
fsr-3297	18	22	0810/17/$	0810/17/$	NUM
fsr-3297	18	23	–	–	PUNCT
fsr-3297	18	24	see	see	VERB
fsr-3297	18	25	front	front	ADJ
fsr-3297	18	26	matter	matter	NOUN
fsr-3297	18	27	©	©	PROPN
fsr-3297	18	28	2017	2017	NUM
fsr-3297	18	29	academy	academy	NOUN
fsr-3297	18	30	of	of	ADP
fsr-3297	18	31	financial	financial	ADJ
fsr-3297	18	32	services	service	NOUN
fsr-3297	18	33	.	.	PUNCT
fsr-3297	19	1	all	all	DET
fsr-3297	19	2	rights	right	NOUN
fsr-3297	19	3	reserved	reserve	VERB
fsr-3297	19	4	.	.	PUNCT
fsr-3297	19	5	retire	retire	VERB
fsr-3297	19	6	later	later	ADV
fsr-3297	19	7	(	(	PUNCT
fsr-3297	19	8	earlier	early	ADV
fsr-3297	19	9	)	)	PUNCT
fsr-3297	19	10	because	because	SCONJ
fsr-3297	19	11	the	the	DET
fsr-3297	19	12	hurdle	hurdle	NOUN
fsr-3297	19	13	rate	rate	NOUN
fsr-3297	19	14	is	be	AUX
fsr-3297	19	15	more	more	ADV
fsr-3297	19	16	difficult	difficult	ADJ
fsr-3297	19	17	(	(	PUNCT
fsr-3297	19	18	less	less	ADV
fsr-3297	19	19	difficult	difficult	ADJ
fsr-3297	19	20	)	)	PUNCT
fsr-3297	19	21	to	to	PART
fsr-3297	19	22	overcome	overcome	VERB
fsr-3297	19	23	.	.	PUNCT
fsr-3297	20	1	thus	thus	ADV
fsr-3297	20	2	,	,	PUNCT
fsr-3297	20	3	hispanics	hispanic	NOUN
fsr-3297	20	4	have	have	VERB
fsr-3297	20	5	a	a	DET
fsr-3297	20	6	more	more	ADV
fsr-3297	20	7	difficult	difficult	ADJ
fsr-3297	20	8	time	time	NOUN
fsr-3297	20	9	retiring	retire	VERB
fsr-3297	20	10	early	early	ADV
fsr-3297	20	11	,	,	PUNCT
fsr-3297	20	12	whereas	whereas	SCONJ
fsr-3297	20	13	whites	white	NOUN
fsr-3297	20	14	have	have	VERB
fsr-3297	20	15	a	a	DET
fsr-3297	20	16	less	less	ADV
fsr-3297	20	17	difficult	difficult	ADJ
fsr-3297	20	18	time	time	NOUN
fsr-3297	20	19	retiring	retire	VERB
fsr-3297	20	20	early	early	ADV
fsr-3297	20	21	.	.	PUNCT
fsr-3297	21	1	©	©	PROPN
fsr-3297	21	2	2017	2017	NUM
fsr-3297	21	3	academy	academy	NOUN
fsr-3297	21	4	of	of	ADP
fsr-3297	21	5	financial	financial	ADJ
fsr-3297	21	6	services	service	NOUN
fsr-3297	21	7	.	.	PUNCT
fsr-3297	22	1	all	all	DET
fsr-3297	22	2	rights	right	NOUN
fsr-3297	22	3	reserved	reserve	VERB
fsr-3297	22	4	.	.	PUNCT
fsr-3297	23	1	keywords	keyword	NOUN
fsr-3297	23	2	:	:	PUNCT
fsr-3297	23	3	social	social	ADJ
fsr-3297	23	4	security	security	NOUN
fsr-3297	23	5	;	;	PUNCT
fsr-3297	23	6	retirement	retirement	NOUN
fsr-3297	23	7	;	;	PUNCT
fsr-3297	23	8	financial	financial	ADJ
fsr-3297	23	9	planning	planning	NOUN
fsr-3297	23	10	;	;	PUNCT
fsr-3297	23	11	retirement	retirement	NOUN
fsr-3297	23	12	age	age	NOUN
fsr-3297	23	13	1	1	NUM
fsr-3297	23	14	.	.	PUNCT
fsr-3297	24	1	introduction	introduction	NOUN
fsr-3297	24	2	the	the	DET
fsr-3297	24	3	purpose	purpose	NOUN
fsr-3297	24	4	of	of	ADP
fsr-3297	24	5	this	this	DET
fsr-3297	24	6	study	study	NOUN
fsr-3297	24	7	is	be	AUX
fsr-3297	24	8	to	to	PART
fsr-3297	24	9	examine	examine	VERB
fsr-3297	24	10	the	the	DET
fsr-3297	24	11	impact	impact	NOUN
fsr-3297	24	12	of	of	ADP
fsr-3297	24	13	age	age	NOUN
fsr-3297	24	14	differences	difference	NOUN
fsr-3297	24	15	on	on	ADP
fsr-3297	24	16	the	the	DET
fsr-3297	24	17	social	social	ADJ
fsr-3297	24	18	security	security	NOUN
fsr-3297	24	19	early	early	ADV
fsr-3297	24	20	and	and	CCONJ
fsr-3297	24	21	delayed	delay	VERB
fsr-3297	24	22	retirement	retirement	NOUN
fsr-3297	24	23	decision	decision	NOUN
fsr-3297	24	24	for	for	ADP
fsr-3297	24	25	married	married	ADJ
fsr-3297	24	26	couples	couple	NOUN
fsr-3297	24	27	.	.	PUNCT
fsr-3297	25	1	this	this	DET
fsr-3297	25	2	article	article	NOUN
fsr-3297	25	3	extends	extend	VERB
fsr-3297	25	4	the	the	DET
fsr-3297	25	5	analysis	analysis	NOUN
fsr-3297	25	6	of	of	ADP
fsr-3297	25	7	docking	docking	NOUN
fsr-3297	25	8	,	,	PUNCT
fsr-3297	25	9	fortin	fortin	PROPN
fsr-3297	25	10	,	,	PUNCT
fsr-3297	25	11	and	and	CCONJ
fsr-3297	25	12	michelson	michelson	PROPN
fsr-3297	25	13	(	(	PUNCT
fsr-3297	25	14	2015	2015	NUM
fsr-3297	25	15	)	)	PUNCT
fsr-3297	25	16	,	,	PUNCT
fsr-3297	25	17	where	where	SCONJ
fsr-3297	25	18	we	we	PRON
fsr-3297	25	19	assumed	assume	VERB
fsr-3297	25	20	the	the	DET
fsr-3297	25	21	working	working	NOUN
fsr-3297	25	22	spouse	spouse	NOUN
fsr-3297	25	23	(	(	PUNCT
fsr-3297	25	24	male	male	NOUN
fsr-3297	25	25	)	)	PUNCT
fsr-3297	25	26	is	be	AUX
fsr-3297	25	27	older	old	ADJ
fsr-3297	25	28	than	than	ADP
fsr-3297	25	29	the	the	DET
fsr-3297	25	30	non	non	ADJ
fsr-3297	25	31	-	-	ADJ
fsr-3297	25	32	working	working	ADJ
fsr-3297	25	33	spouse	spouse	NOUN
fsr-3297	25	34	(	(	PUNCT
fsr-3297	25	35	female	female	NOUN
fsr-3297	25	36	)	)	PUNCT
fsr-3297	25	37	.	.	PUNCT
fsr-3297	26	1	in	in	ADP
fsr-3297	26	2	this	this	DET
fsr-3297	26	3	current	current	ADJ
fsr-3297	26	4	study	study	NOUN
fsr-3297	26	5	,	,	PUNCT
fsr-3297	26	6	we	we	PRON
fsr-3297	26	7	reverse	reverse	VERB
fsr-3297	26	8	the	the	DET
fsr-3297	26	9	spouse	spouse	NOUN
fsr-3297	26	10	and	and	CCONJ
fsr-3297	26	11	spouse	spouse	NOUN
fsr-3297	26	12	employment	employment	NOUN
fsr-3297	26	13	role	role	NOUN
fsr-3297	26	14	and	and	CCONJ
fsr-3297	26	15	ages	age	NOUN
fsr-3297	26	16	.	.	PUNCT
fsr-3297	27	1	we	we	PRON
fsr-3297	27	2	now	now	ADV
fsr-3297	27	3	assume	assume	VERB
fsr-3297	27	4	the	the	DET
fsr-3297	27	5	working	working	NOUN
fsr-3297	27	6	spouse	spouse	NOUN
fsr-3297	27	7	(	(	PUNCT
fsr-3297	27	8	female	female	NOUN
fsr-3297	27	9	)	)	PUNCT
fsr-3297	27	10	is	be	AUX
fsr-3297	27	11	older	old	ADJ
fsr-3297	27	12	than	than	ADP
fsr-3297	27	13	the	the	DET
fsr-3297	27	14	non	non	ADJ
fsr-3297	27	15	-	-	ADJ
fsr-3297	27	16	working	working	ADJ
fsr-3297	27	17	spouse	spouse	NOUN
fsr-3297	27	18	(	(	PUNCT
fsr-3297	27	19	male	male	NOUN
fsr-3297	27	20	)	)	PUNCT
fsr-3297	27	21	.	.	PUNCT
fsr-3297	28	1	this	this	DET
fsr-3297	28	2	extended	extended	ADJ
fsr-3297	28	3	analysis	analysis	NOUN
fsr-3297	28	4	is	be	AUX
fsr-3297	28	5	done	do	VERB
fsr-3297	28	6	for	for	ADP
fsr-3297	28	7	married	married	ADJ
fsr-3297	28	8	couples	couple	NOUN
fsr-3297	28	9	by	by	ADP
fsr-3297	28	10	race	race	NOUN
fsr-3297	28	11	.	.	PUNCT
fsr-3297	29	1	more	more	ADV
fsr-3297	29	2	specifically	specifically	ADV
fsr-3297	29	3	,	,	PUNCT
fsr-3297	29	4	we	we	PRON
fsr-3297	29	5	analyze	analyze	VERB
fsr-3297	29	6	the	the	DET
fsr-3297	29	7	nine	nine	NUM
fsr-3297	29	8	married	married	ADJ
fsr-3297	29	9	couple	couple	NOUN
fsr-3297	29	10	combinations	combination	NOUN
fsr-3297	29	11	for	for	ADP
fsr-3297	29	12	the	the	DET
fsr-3297	29	13	following	follow	VERB
fsr-3297	29	14	races	race	NOUN
fsr-3297	29	15	:	:	PUNCT
fsr-3297	29	16	whites	white	NOUN
fsr-3297	29	17	(	(	PUNCT
fsr-3297	29	18	w	w	NOUN
fsr-3297	29	19	)	)	PUNCT
fsr-3297	29	20	,	,	PUNCT
fsr-3297	29	21	hispanics	hispanic	NOUN
fsr-3297	29	22	(	(	PUNCT
fsr-3297	29	23	h	h	NOUN
fsr-3297	29	24	)	)	PUNCT
fsr-3297	29	25	,	,	PUNCT
fsr-3297	29	26	and	and	CCONJ
fsr-3297	29	27	blacks	black	NOUN
fsr-3297	29	28	(	(	PUNCT
fsr-3297	29	29	b	b	NOUN
fsr-3297	29	30	)	)	PUNCT
fsr-3297	29	31	.	.	PUNCT
fsr-3297	30	1	the	the	DET
fsr-3297	30	2	nine	nine	NUM
fsr-3297	30	3	spouse	spouse	NOUN
fsr-3297	30	4	(	(	PUNCT
fsr-3297	30	5	male	male	NOUN
fsr-3297	30	6	,	,	PUNCT
fsr-3297	30	7	m)/spouse	m)/spouse	NOUN
fsr-3297	30	8	(	(	PUNCT
fsr-3297	30	9	female	female	NOUN
fsr-3297	30	10	,	,	PUNCT
fsr-3297	30	11	f	f	X
fsr-3297	30	12	)	)	PUNCT
fsr-3297	30	13	combinations	combination	NOUN
fsr-3297	30	14	are	be	AUX
fsr-3297	30	15	:	:	PUNCT
fsr-3297	30	16	wm_wf	wm_wf	ADJ
fsr-3297	30	17	,	,	PUNCT
fsr-3297	30	18	bm_bf	bm_bf	PROPN
fsr-3297	30	19	,	,	PUNCT
fsr-3297	30	20	hm_hf	hm_hf	PROPN
fsr-3297	30	21	,	,	PUNCT
fsr-3297	30	22	wm_bf	wm_bf	PROPN
fsr-3297	30	23	,	,	PUNCT
fsr-3297	30	24	bm_wf	bm_wf	PROPN
fsr-3297	30	25	,	,	PUNCT
fsr-3297	30	26	wm_hf	wm_hf	PROPN
fsr-3297	30	27	,	,	PUNCT
fsr-3297	30	28	hm_wf	hm_wf	PROPN
fsr-3297	30	29	,	,	PUNCT
fsr-3297	30	30	bm_hf	bm_hf	NOUN
fsr-3297	30	31	,	,	PUNCT
fsr-3297	30	32	and	and	CCONJ
fsr-3297	30	33	hm_bf	hm_bf	PROPN
fsr-3297	30	34	.	.	PUNCT
fsr-3297	31	1	we	we	PRON
fsr-3297	31	2	develop	develop	VERB
fsr-3297	31	3	an	an	DET
fsr-3297	31	4	excel	excel	NOUN
fsr-3297	31	5	model	model	NOUN
fsr-3297	31	6	to	to	PART
fsr-3297	31	7	compute	compute	VERB
fsr-3297	31	8	the	the	DET
fsr-3297	31	9	breakeven	breakeven	ADJ
fsr-3297	31	10	irr	irr	NOUN
fsr-3297	31	11	for	for	ADP
fsr-3297	31	12	each	each	PRON
fsr-3297	31	13	of	of	ADP
fsr-3297	31	14	the	the	DET
fsr-3297	31	15	nine	nine	NUM
fsr-3297	31	16	race	race	NOUN
fsr-3297	31	17	combinations	combination	NOUN
fsr-3297	31	18	.	.	PUNCT
fsr-3297	32	1	following	follow	VERB
fsr-3297	32	2	blanchett	blanchett	PROPN
fsr-3297	32	3	(	(	PUNCT
fsr-3297	32	4	2013	2013	NUM
fsr-3297	32	5	)	)	PUNCT
fsr-3297	32	6	,	,	PUNCT
fsr-3297	32	7	three	three	NUM
fsr-3297	32	8	claiming	claim	VERB
fsr-3297	32	9	scenarios	scenario	NOUN
fsr-3297	32	10	are	be	AUX
fsr-3297	32	11	considered	consider	VERB
fsr-3297	32	12	:	:	PUNCT
fsr-3297	32	13	receiving	receive	VERB
fsr-3297	32	14	benefits	benefit	NOUN
fsr-3297	32	15	early	early	ADV
fsr-3297	32	16	(	(	PUNCT
fsr-3297	32	17	e.g.	e.g.	ADV
fsr-3297	32	18	,	,	PUNCT
fsr-3297	32	19	at	at	ADP
fsr-3297	32	20	age	age	NOUN
fsr-3297	32	21	62	62	NUM
fsr-3297	32	22	vs.	vs.	ADP
fsr-3297	32	23	66	66	NUM
fsr-3297	32	24	)	)	PUNCT
fsr-3297	32	25	,	,	PUNCT
fsr-3297	32	26	the	the	DET
fsr-3297	32	27	maximum	maximum	ADJ
fsr-3297	32	28	realistic	realistic	ADJ
fsr-3297	32	29	delay	delay	NOUN
fsr-3297	32	30	period	period	NOUN
fsr-3297	32	31	(	(	PUNCT
fsr-3297	32	32	e.g.	e.g.	ADV
fsr-3297	32	33	,	,	PUNCT
fsr-3297	32	34	at	at	ADP
fsr-3297	32	35	age	age	NOUN
fsr-3297	32	36	62	62	NUM
fsr-3297	32	37	vs.	vs.	ADP
fsr-3297	32	38	70	70	NUM
fsr-3297	32	39	)	)	PUNCT
fsr-3297	32	40	,	,	PUNCT
fsr-3297	32	41	and	and	CCONJ
fsr-3297	32	42	delaying	delay	VERB
fsr-3297	32	43	benefits	benefit	NOUN
fsr-3297	32	44	past	past	ADP
fsr-3297	32	45	full	full	ADJ
fsr-3297	32	46	retirement	retirement	NOUN
fsr-3297	32	47	age	age	NOUN
fsr-3297	32	48	(	(	PUNCT
fsr-3297	32	49	e.g.	e.g.	ADV
fsr-3297	32	50	,	,	PUNCT
fsr-3297	32	51	age	age	NOUN
fsr-3297	32	52	66	66	NUM
fsr-3297	32	53	vs.	vs.	ADP
fsr-3297	32	54	70	70	NUM
fsr-3297	32	55	)	)	PUNCT
fsr-3297	32	56	.	.	PUNCT
fsr-3297	33	1	within	within	ADP
fsr-3297	33	2	these	these	DET
fsr-3297	33	3	three	three	NUM
fsr-3297	33	4	claiming	claim	VERB
fsr-3297	33	5	scenarios	scenario	NOUN
fsr-3297	33	6	we	we	PRON
fsr-3297	33	7	examine	examine	VERB
fsr-3297	33	8	couples	couple	NOUN
fsr-3297	33	9	by	by	ADP
fsr-3297	33	10	race	race	NOUN
fsr-3297	33	11	combination	combination	NOUN
fsr-3297	33	12	who	who	PRON
fsr-3297	33	13	retire	retire	VERB
fsr-3297	33	14	at	at	ADP
fsr-3297	33	15	the	the	DET
fsr-3297	33	16	same	same	ADJ
fsr-3297	33	17	age	age	NOUN
fsr-3297	33	18	and	and	CCONJ
fsr-3297	33	19	with	with	ADP
fsr-3297	33	20	age	age	NOUN
fsr-3297	33	21	differences	difference	NOUN
fsr-3297	33	22	of	of	ADP
fsr-3297	33	23	0	0	NUM
fsr-3297	33	24	,	,	PUNCT
fsr-3297	33	25	4	4	NUM
fsr-3297	33	26	,	,	PUNCT
fsr-3297	33	27	7	7	NUM
fsr-3297	33	28	,	,	PUNCT
fsr-3297	33	29	and	and	CCONJ
fsr-3297	33	30	10	10	NUM
fsr-3297	33	31	years	year	NOUN
fsr-3297	33	32	.	.	PUNCT
fsr-3297	34	1	we	we	PRON
fsr-3297	34	2	also	also	ADV
fsr-3297	34	3	look	look	VERB
fsr-3297	34	4	at	at	ADP
fsr-3297	34	5	a	a	DET
fsr-3297	34	6	specific	specific	ADJ
fsr-3297	34	7	scenario	scenario	NOUN
fsr-3297	34	8	where	where	SCONJ
fsr-3297	34	9	the	the	DET
fsr-3297	34	10	spouses	spouse	NOUN
fsr-3297	34	11	retire	retire	VERB
fsr-3297	34	12	at	at	ADP
fsr-3297	34	13	different	different	ADJ
fsr-3297	34	14	ages	age	NOUN
fsr-3297	34	15	and	and	CCONJ
fsr-3297	34	16	the	the	DET
fsr-3297	34	17	impact	impact	NOUN
fsr-3297	34	18	of	of	ADP
fsr-3297	34	19	age	age	NOUN
fsr-3297	34	20	differences	difference	NOUN
fsr-3297	34	21	on	on	ADP
fsr-3297	34	22	their	their	PRON
fsr-3297	34	23	retirement	retirement	NOUN
fsr-3297	34	24	decision	decision	NOUN
fsr-3297	34	25	.	.	PUNCT
fsr-3297	35	1	we	we	PRON
fsr-3297	35	2	then	then	ADV
fsr-3297	35	3	compare	compare	VERB
fsr-3297	35	4	these	these	DET
fsr-3297	35	5	results	result	NOUN
fsr-3297	35	6	with	with	ADP
fsr-3297	35	7	the	the	DET
fsr-3297	35	8	results	result	NOUN
fsr-3297	35	9	of	of	ADP
fsr-3297	35	10	the	the	DET
fsr-3297	35	11	docking	docking	NOUN
fsr-3297	35	12	,	,	PUNCT
fsr-3297	35	13	fortin	fortin	PROPN
fsr-3297	35	14	,	,	PUNCT
fsr-3297	35	15	and	and	CCONJ
fsr-3297	35	16	michelson	michelson	PROPN
fsr-3297	35	17	2015	2015	NUM
fsr-3297	35	18	study	study	NOUN
fsr-3297	35	19	.	.	PUNCT
fsr-3297	36	1	2	2	X
fsr-3297	36	2	.	.	X
fsr-3297	36	3	literature	literature	NOUN
fsr-3297	36	4	review	review	NOUN
fsr-3297	36	5	there	there	PRON
fsr-3297	36	6	has	have	AUX
fsr-3297	36	7	been	be	AUX
fsr-3297	36	8	an	an	DET
fsr-3297	36	9	extensive	extensive	ADJ
fsr-3297	36	10	number	number	NOUN
fsr-3297	36	11	of	of	ADP
fsr-3297	36	12	studies	study	NOUN
fsr-3297	36	13	on	on	ADP
fsr-3297	36	14	the	the	DET
fsr-3297	36	15	early	early	ADJ
fsr-3297	36	16	versus	versus	ADP
fsr-3297	36	17	delayed	delay	VERB
fsr-3297	36	18	social	social	ADJ
fsr-3297	36	19	security	security	NOUN
fsr-3297	36	20	retirement	retirement	NOUN
fsr-3297	36	21	decision	decision	NOUN
fsr-3297	36	22	for	for	ADP
fsr-3297	36	23	married	married	ADJ
fsr-3297	36	24	couples	couple	NOUN
fsr-3297	36	25	although	although	SCONJ
fsr-3297	36	26	none	none	NOUN
fsr-3297	36	27	have	have	AUX
fsr-3297	36	28	explicitly	explicitly	ADV
fsr-3297	36	29	addressed	address	VERB
fsr-3297	36	30	the	the	DET
fsr-3297	36	31	age	age	NOUN
fsr-3297	36	32	difference	difference	NOUN
fsr-3297	36	33	issue	issue	NOUN
fsr-3297	36	34	across	across	ADP
fsr-3297	36	35	race	race	NOUN
fsr-3297	36	36	categories	category	NOUN
fsr-3297	36	37	as	as	SCONJ
fsr-3297	36	38	this	this	DET
fsr-3297	36	39	study	study	NOUN
fsr-3297	36	40	does	do	VERB
fsr-3297	36	41	.	.	PUNCT
fsr-3297	37	1	for	for	ADP
fsr-3297	37	2	a	a	DET
fsr-3297	37	3	review	review	NOUN
fsr-3297	37	4	of	of	ADP
fsr-3297	37	5	prior	prior	ADJ
fsr-3297	37	6	literature	literature	NOUN
fsr-3297	37	7	,	,	PUNCT
fsr-3297	37	8	see	see	VERB
fsr-3297	37	9	docking	docking	NOUN
fsr-3297	37	10	,	,	PUNCT
fsr-3297	37	11	fortin	fortin	PROPN
fsr-3297	37	12	,	,	PUNCT
fsr-3297	37	13	and	and	CCONJ
fsr-3297	37	14	michelson	michelson	PROPN
fsr-3297	37	15	(	(	PUNCT
fsr-3297	37	16	2012	2012	NUM
fsr-3297	37	17	,	,	PUNCT
fsr-3297	37	18	2013	2013	NUM
fsr-3297	37	19	)	)	PUNCT
fsr-3297	37	20	.	.	PUNCT
fsr-3297	38	1	only	only	ADV
fsr-3297	38	2	a	a	DET
fsr-3297	38	3	few	few	ADJ
fsr-3297	38	4	studies	study	NOUN
fsr-3297	38	5	have	have	AUX
fsr-3297	38	6	looked	look	VERB
fsr-3297	38	7	at	at	ADP
fsr-3297	38	8	the	the	DET
fsr-3297	38	9	age	age	NOUN
fsr-3297	38	10	difference	difference	NOUN
fsr-3297	38	11	between	between	ADP
fsr-3297	38	12	the	the	DET
fsr-3297	38	13	spouses	spouse	NOUN
fsr-3297	38	14	in	in	ADP
fsr-3297	38	15	determining	determine	VERB
fsr-3297	38	16	the	the	DET
fsr-3297	38	17	optimal	optimal	ADJ
fsr-3297	38	18	retirement	retirement	NOUN
fsr-3297	38	19	age	age	NOUN
fsr-3297	38	20	.	.	PUNCT
fsr-3297	39	1	results	result	NOUN
fsr-3297	39	2	have	have	AUX
fsr-3297	39	3	been	be	AUX
fsr-3297	39	4	mixed	mix	VERB
fsr-3297	39	5	.	.	PUNCT
fsr-3297	40	1	coile	coile	NOUN
fsr-3297	40	2	,	,	PUNCT
fsr-3297	40	3	diamond	diamond	NOUN
fsr-3297	40	4	,	,	PUNCT
fsr-3297	40	5	gruber	gruber	NOUN
fsr-3297	40	6	,	,	PUNCT
fsr-3297	40	7	and	and	CCONJ
fsr-3297	40	8	jousten	jousten	VERB
fsr-3297	40	9	(	(	PUNCT
fsr-3297	40	10	2002	2002	NUM
fsr-3297	40	11	)	)	PUNCT
fsr-3297	40	12	find	find	VERB
fsr-3297	40	13	that	that	SCONJ
fsr-3297	40	14	if	if	SCONJ
fsr-3297	40	15	the	the	DET
fsr-3297	40	16	spouse	spouse	NOUN
fsr-3297	40	17	is	be	AUX
fsr-3297	40	18	older	old	ADJ
fsr-3297	40	19	than	than	ADP
fsr-3297	40	20	the	the	DET
fsr-3297	40	21	spouse	spouse	NOUN
fsr-3297	40	22	,	,	PUNCT
fsr-3297	40	23	then	then	ADV
fsr-3297	40	24	he	he	PRON
fsr-3297	40	25	should	should	AUX
fsr-3297	40	26	delay	delay	VERB
fsr-3297	40	27	retirement	retirement	NOUN
fsr-3297	40	28	to	to	ADP
fsr-3297	40	29	age	age	NOUN
fsr-3297	40	30	65	65	NUM
fsr-3297	40	31	;	;	PUNCT
fsr-3297	40	32	but	but	CCONJ
fsr-3297	40	33	if	if	SCONJ
fsr-3297	40	34	the	the	DET
fsr-3297	40	35	spouse	spouse	NOUN
fsr-3297	40	36	is	be	AUX
fsr-3297	40	37	five	five	NUM
fsr-3297	40	38	years	year	NOUN
fsr-3297	40	39	older	old	ADJ
fsr-3297	40	40	than	than	ADP
fsr-3297	40	41	her	her	PRON
fsr-3297	40	42	spouse	spouse	NOUN
fsr-3297	40	43	,	,	PUNCT
fsr-3297	40	44	he	he	PRON
fsr-3297	40	45	should	should	AUX
fsr-3297	40	46	retire	retire	VERB
fsr-3297	40	47	early	early	ADV
fsr-3297	40	48	at	at	ADP
fsr-3297	40	49	age	age	NOUN
fsr-3297	40	50	62	62	NUM
fsr-3297	40	51	.	.	PUNCT
fsr-3297	41	1	munnell	munnell	PROPN
fsr-3297	41	2	and	and	CCONJ
fsr-3297	41	3	soto	soto	PROPN
fsr-3297	41	4	(	(	PUNCT
fsr-3297	41	5	2007	2007	NUM
fsr-3297	41	6	)	)	PUNCT
fsr-3297	41	7	show	show	VERB
fsr-3297	41	8	that	that	SCONJ
fsr-3297	41	9	as	as	ADP
fsr-3297	41	10	the	the	DET
fsr-3297	41	11	age	age	NOUN
fsr-3297	41	12	difference	difference	NOUN
fsr-3297	41	13	between	between	ADP
fsr-3297	41	14	the	the	DET
fsr-3297	41	15	spouses	spouse	NOUN
fsr-3297	41	16	(	(	PUNCT
fsr-3297	41	17	spouse	spouse	NOUN
fsr-3297	41	18	minus	minus	CCONJ
fsr-3297	41	19	spouse	spouse	NOUN
fsr-3297	41	20	)	)	PUNCT
fsr-3297	41	21	increase	increase	NOUN
fsr-3297	41	22	,	,	PUNCT
fsr-3297	41	23	the	the	DET
fsr-3297	41	24	spouse	spouse	NOUN
fsr-3297	41	25	should	should	AUX
fsr-3297	41	26	claim	claim	VERB
fsr-3297	41	27	earlier	early	ADV
fsr-3297	41	28	(	(	PUNCT
fsr-3297	41	29	age	age	NOUN
fsr-3297	41	30	62	62	NUM
fsr-3297	41	31	)	)	PUNCT
fsr-3297	41	32	and	and	CCONJ
fsr-3297	41	33	the	the	DET
fsr-3297	41	34	spouse	spouse	NOUN
fsr-3297	41	35	should	should	AUX
fsr-3297	41	36	claim	claim	VERB
fsr-3297	41	37	later	later	ADV
fsr-3297	41	38	(	(	PUNCT
fsr-3297	41	39	age	age	NOUN
fsr-3297	41	40	69	69	NUM
fsr-3297	41	41	)	)	PUNCT
fsr-3297	41	42	.	.	PUNCT
fsr-3297	42	1	sun	sun	PROPN
fsr-3297	42	2	and	and	CCONJ
fsr-3297	42	3	webb	webb	PROPN
fsr-3297	42	4	(	(	PUNCT
fsr-3297	42	5	2009	2009	NUM
fsr-3297	42	6	)	)	PUNCT
fsr-3297	42	7	show	show	VERB
fsr-3297	42	8	that	that	SCONJ
fsr-3297	42	9	if	if	SCONJ
fsr-3297	42	10	the	the	DET
fsr-3297	42	11	spouse	spouse	NOUN
fsr-3297	42	12	is	be	AUX
fsr-3297	42	13	three	three	NUM
fsr-3297	42	14	or	or	CCONJ
fsr-3297	42	15	more	more	ADJ
fsr-3297	42	16	years	year	NOUN
fsr-3297	42	17	older	old	ADJ
fsr-3297	42	18	than	than	ADP
fsr-3297	42	19	her	her	PRON
fsr-3297	42	20	spouse	spouse	NOUN
fsr-3297	42	21	,	,	PUNCT
fsr-3297	42	22	he	he	PRON
fsr-3297	42	23	should	should	AUX
fsr-3297	42	24	retire	retire	VERB
fsr-3297	42	25	at	at	ADP
fsr-3297	42	26	69	69	NUM
fsr-3297	42	27	and	and	CCONJ
fsr-3297	42	28	she	she	PRON
fsr-3297	42	29	at	at	ADP
fsr-3297	42	30	66	66	NUM
fsr-3297	42	31	.	.	PUNCT
fsr-3297	43	1	tucker	tucker	PROPN
fsr-3297	43	2	(	(	PUNCT
fsr-3297	43	3	2009	2009	NUM
fsr-3297	43	4	)	)	PUNCT
fsr-3297	43	5	says	say	VERB
fsr-3297	43	6	both	both	PRON
fsr-3297	43	7	should	should	AUX
fsr-3297	43	8	retire	retire	VERB
fsr-3297	43	9	at	at	ADP
fsr-3297	43	10	age	age	NOUN
fsr-3297	43	11	62	62	NUM
fsr-3297	43	12	no	no	ADV
fsr-3297	43	13	matter	matter	ADV
fsr-3297	43	14	the	the	DET
fsr-3297	43	15	age	age	NOUN
fsr-3297	43	16	difference	difference	NOUN
fsr-3297	43	17	.	.	PUNCT
fsr-3297	44	1	mccormack	mccormack	PROPN
fsr-3297	44	2	and	and	CCONJ
fsr-3297	44	3	perdue	perdue	PROPN
fsr-3297	44	4	(	(	PUNCT
fsr-3297	44	5	2006	2006	NUM
fsr-3297	44	6	)	)	PUNCT
fsr-3297	44	7	assume	assume	VERB
fsr-3297	44	8	the	the	DET
fsr-3297	44	9	spouse	spouse	NOUN
fsr-3297	44	10	is	be	AUX
fsr-3297	44	11	seven	seven	NUM
fsr-3297	44	12	88	88	NUM
fsr-3297	44	13	d.s	d.s	PROPN
fsr-3297	44	14	.	.	PROPN
fsr-3297	44	15	docking	docking	NOUN
fsr-3297	44	16	et	et	PROPN
fsr-3297	44	17	al	al	PROPN
fsr-3297	44	18	.	.	PUNCT
fsr-3297	44	19	/	/	SYM
fsr-3297	44	20	financial	financial	ADJ
fsr-3297	44	21	services	service	NOUN
fsr-3297	44	22	review	review	VERB
fsr-3297	44	23	26	26	NUM
fsr-3297	44	24	(	(	PUNCT
fsr-3297	44	25	2017	2017	NUM
fsr-3297	44	26	)	)	PUNCT
fsr-3297	44	27	87–111	87–111	NUM
fsr-3297	44	28	years	year	NOUN
fsr-3297	44	29	older	old	ADJ
fsr-3297	44	30	than	than	ADP
fsr-3297	44	31	his	his	PRON
fsr-3297	44	32	spouse	spouse	NOUN
fsr-3297	44	33	and	and	CCONJ
fsr-3297	44	34	the	the	DET
fsr-3297	44	35	spouse	spouse	NOUN
fsr-3297	44	36	has	have	VERB
fsr-3297	44	37	the	the	DET
fsr-3297	44	38	higher	high	ADJ
fsr-3297	44	39	earnings	earning	NOUN
fsr-3297	44	40	.	.	PUNCT
fsr-3297	45	1	they	they	PRON
fsr-3297	45	2	conclude	conclude	VERB
fsr-3297	45	3	that	that	SCONJ
fsr-3297	45	4	both	both	PRON
fsr-3297	45	5	should	should	AUX
fsr-3297	45	6	retire	retire	VERB
fsr-3297	45	7	at	at	ADP
fsr-3297	45	8	age	age	NOUN
fsr-3297	45	9	62	62	NUM
fsr-3297	45	10	.	.	PUNCT
fsr-3297	46	1	blanchett	blanchett	PROPN
fsr-3297	46	2	(	(	PUNCT
fsr-3297	46	3	2013	2013	NUM
fsr-3297	46	4	)	)	PUNCT
fsr-3297	46	5	,	,	PUNCT
fsr-3297	46	6	examined	examine	VERB
fsr-3297	46	7	three	three	NUM
fsr-3297	46	8	claiming	claim	VERB
fsr-3297	46	9	scenarios	scenario	NOUN
fsr-3297	46	10	for	for	ADP
fsr-3297	46	11	married	married	ADJ
fsr-3297	46	12	couples	couple	NOUN
fsr-3297	46	13	:	:	PUNCT
fsr-3297	46	14	62	62	NUM
fsr-3297	46	15	versus	versus	ADP
fsr-3297	46	16	66	66	NUM
fsr-3297	46	17	,	,	PUNCT
fsr-3297	46	18	62	62	NUM
fsr-3297	46	19	versus	versus	ADP
fsr-3297	46	20	70	70	NUM
fsr-3297	46	21	,	,	PUNCT
fsr-3297	46	22	and	and	CCONJ
fsr-3297	46	23	66	66	NUM
fsr-3297	46	24	versus	versus	ADP
fsr-3297	46	25	70	70	NUM
fsr-3297	46	26	.	.	PUNCT
fsr-3297	47	1	they	they	PRON
fsr-3297	47	2	find	find	VERB
fsr-3297	47	3	that	that	SCONJ
fsr-3297	47	4	most	most	ADJ
fsr-3297	47	5	retirees	retiree	NOUN
fsr-3297	47	6	would	would	AUX
fsr-3297	47	7	be	be	AUX
fsr-3297	47	8	best	well	ADV
fsr-3297	47	9	served	serve	VERB
fsr-3297	47	10	by	by	ADP
fsr-3297	47	11	delaying	delay	VERB
fsr-3297	47	12	social	social	ADJ
fsr-3297	47	13	security	security	NOUN
fsr-3297	47	14	benefits	benefit	NOUN
fsr-3297	47	15	(	(	PUNCT
fsr-3297	47	16	ssbs	ssbs	PROPN
fsr-3297	47	17	)	)	PUNCT
fsr-3297	47	18	until	until	ADP
fsr-3297	47	19	at	at	ADP
fsr-3297	47	20	least	least	ADJ
fsr-3297	47	21	full	full	ADJ
fsr-3297	47	22	retirement	retirement	NOUN
fsr-3297	47	23	age	age	NOUN
fsr-3297	47	24	(	(	PUNCT
fsr-3297	47	25	fra	fra	NOUN
fsr-3297	47	26	)	)	PUNCT
fsr-3297	47	27	or	or	CCONJ
fsr-3297	47	28	later	later	ADV
fsr-3297	47	29	.	.	PUNCT
fsr-3297	48	1	docking	docking	NOUN
fsr-3297	48	2	,	,	PUNCT
fsr-3297	48	3	fortin	fortin	PROPN
fsr-3297	48	4	,	,	PUNCT
fsr-3297	48	5	and	and	CCONJ
fsr-3297	48	6	michelson	michelson	PROPN
fsr-3297	48	7	(	(	PUNCT
fsr-3297	48	8	2013	2013	NUM
fsr-3297	48	9	)	)	PUNCT
fsr-3297	48	10	look	look	VERB
fsr-3297	48	11	at	at	ADP
fsr-3297	48	12	the	the	DET
fsr-3297	48	13	impact	impact	NOUN
fsr-3297	48	14	of	of	ADP
fsr-3297	48	15	race	race	NOUN
fsr-3297	48	16	on	on	ADP
fsr-3297	48	17	the	the	DET
fsr-3297	48	18	retirement	retirement	NOUN
fsr-3297	48	19	decision	decision	NOUN
fsr-3297	48	20	for	for	ADP
fsr-3297	48	21	married	married	ADJ
fsr-3297	48	22	couples	couple	NOUN
fsr-3297	48	23	of	of	ADP
fsr-3297	48	24	the	the	DET
fsr-3297	48	25	same	same	ADJ
fsr-3297	48	26	age	age	NOUN
fsr-3297	48	27	who	who	PRON
fsr-3297	48	28	retire	retire	VERB
fsr-3297	48	29	at	at	ADP
fsr-3297	48	30	the	the	DET
fsr-3297	48	31	same	same	ADJ
fsr-3297	48	32	time	time	NOUN
fsr-3297	48	33	.	.	PUNCT
fsr-3297	49	1	they	they	PRON
fsr-3297	49	2	compute	compute	VERB
fsr-3297	49	3	a	a	DET
fsr-3297	49	4	breakeven	breakeven	PROPN
fsr-3297	49	5	(	(	PUNCT
fsr-3297	49	6	be	be	AUX
fsr-3297	49	7	)	)	PUNCT
fsr-3297	49	8	internal	internal	ADJ
fsr-3297	49	9	rate	rate	NOUN
fsr-3297	49	10	of	of	ADP
fsr-3297	49	11	return	return	NOUN
fsr-3297	49	12	(	(	PUNCT
fsr-3297	49	13	irr	irr	PROPN
fsr-3297	49	14	)	)	PUNCT
fsr-3297	49	15	for	for	ADP
fsr-3297	49	16	each	each	PRON
fsr-3297	49	17	of	of	ADP
fsr-3297	49	18	nine	nine	NUM
fsr-3297	49	19	race	race	NOUN
fsr-3297	49	20	combinations	combination	NOUN
fsr-3297	49	21	from	from	ADP
fsr-3297	49	22	age	age	NOUN
fsr-3297	49	23	62	62	NUM
fsr-3297	49	24	through	through	ADP
fsr-3297	49	25	age	age	NOUN
fsr-3297	49	26	70	70	NUM
fsr-3297	49	27	.	.	PUNCT
fsr-3297	50	1	if	if	SCONJ
fsr-3297	50	2	a	a	DET
fsr-3297	50	3	couple	couple	NOUN
fsr-3297	50	4	’s	’s	PART
fsr-3297	50	5	opportunity	opportunity	NOUN
fsr-3297	50	6	cost	cost	NOUN
fsr-3297	50	7	of	of	ADP
fsr-3297	50	8	capital	capital	NOUN
fsr-3297	50	9	(	(	PUNCT
fsr-3297	50	10	that	that	PRON
fsr-3297	50	11	can	can	AUX
fsr-3297	50	12	be	be	AUX
fsr-3297	50	13	considered	consider	VERB
fsr-3297	50	14	a	a	DET
fsr-3297	50	15	hurdle	hurdle	NOUN
fsr-3297	50	16	rate	rate	NOUN
fsr-3297	50	17	)	)	PUNCT
fsr-3297	50	18	is	be	AUX
fsr-3297	50	19	greater	great	ADJ
fsr-3297	50	20	than	than	ADP
fsr-3297	50	21	(	(	PUNCT
fsr-3297	50	22	less	less	ADJ
fsr-3297	50	23	than	than	ADP
fsr-3297	50	24	)	)	PUNCT
fsr-3297	50	25	the	the	DET
fsr-3297	50	26	computed	compute	VERB
fsr-3297	50	27	be	be	VERB
fsr-3297	50	28	irr	irr	PROPN
fsr-3297	50	29	,	,	PUNCT
fsr-3297	50	30	the	the	DET
fsr-3297	50	31	couple	couple	NOUN
fsr-3297	50	32	should	should	AUX
fsr-3297	50	33	retire	retire	VERB
fsr-3297	50	34	at	at	ADP
fsr-3297	50	35	the	the	DET
fsr-3297	50	36	earlier	early	ADJ
fsr-3297	50	37	(	(	PUNCT
fsr-3297	50	38	later	later	ADJ
fsr-3297	50	39	)	)	PUNCT
fsr-3297	50	40	age	age	NOUN
fsr-3297	50	41	.	.	PUNCT
fsr-3297	51	1	,	,	PUNCT
fsr-3297	51	2	that	that	ADV
fsr-3297	51	3	is	is	ADV
fsr-3297	51	4	,	,	PUNCT
fsr-3297	51	5	the	the	PRON
fsr-3297	51	6	greater	great	ADJ
fsr-3297	51	7	(	(	PUNCT
fsr-3297	51	8	lower	low	ADJ
fsr-3297	51	9	)	)	PUNCT
fsr-3297	51	10	the	the	DET
fsr-3297	51	11	be	be	AUX
fsr-3297	51	12	irr	irr	PROPN
fsr-3297	51	13	,	,	PUNCT
fsr-3297	51	14	the	the	DET
fsr-3297	51	15	more	more	ADV
fsr-3297	51	16	optimal	optimal	ADJ
fsr-3297	51	17	for	for	ADP
fsr-3297	51	18	a	a	DET
fsr-3297	51	19	couple	couple	NOUN
fsr-3297	51	20	to	to	PART
fsr-3297	51	21	retire	retire	VERB
fsr-3297	51	22	later	later	ADV
fsr-3297	51	23	(	(	PUNCT
fsr-3297	51	24	earlier	early	ADV
fsr-3297	51	25	)	)	PUNCT
fsr-3297	51	26	.	.	PUNCT
fsr-3297	52	1	results	result	NOUN
fsr-3297	52	2	are	be	AUX
fsr-3297	52	3	fairly	fairly	ADV
fsr-3297	52	4	uniformly	uniformly	ADV
fsr-3297	52	5	consistent	consistent	ADJ
fsr-3297	52	6	across	across	ADP
fsr-3297	52	7	the	the	DET
fsr-3297	52	8	nine	nine	NUM
fsr-3297	52	9	race	race	NOUN
fsr-3297	52	10	combinations	combination	NOUN
fsr-3297	52	11	:	:	PUNCT
fsr-3297	52	12	be	be	AUX
fsr-3297	52	13	irrs	irrs	NOUN
fsr-3297	52	14	for	for	ADP
fsr-3297	52	15	a	a	DET
fsr-3297	52	16	given	give	VERB
fsr-3297	52	17	base	base	NOUN
fsr-3297	52	18	age	age	NOUN
fsr-3297	52	19	are	be	AUX
fsr-3297	52	20	,	,	PUNCT
fsr-3297	52	21	in	in	ADP
fsr-3297	52	22	general	general	ADJ
fsr-3297	52	23	,	,	PUNCT
fsr-3297	52	24	monotonically	monotonically	ADV
fsr-3297	52	25	decreasing	decrease	VERB
fsr-3297	52	26	compared	compare	VERB
fsr-3297	52	27	with	with	ADP
fsr-3297	52	28	older	old	ADJ
fsr-3297	52	29	ages	age	NOUN
fsr-3297	52	30	.	.	PUNCT
fsr-3297	53	1	the	the	DET
fsr-3297	53	2	highest	high	ADJ
fsr-3297	53	3	be	be	NOUN
fsr-3297	53	4	irrs	irrs	NOUN
fsr-3297	53	5	are	be	AUX
fsr-3297	53	6	for	for	ADP
fsr-3297	53	7	couples	couple	NOUN
fsr-3297	53	8	with	with	ADP
fsr-3297	53	9	a	a	DET
fsr-3297	53	10	hispanic	hispanic	ADJ
fsr-3297	53	11	spouse	spouse	NOUN
fsr-3297	53	12	,	,	PUNCT
fsr-3297	53	13	and	and	CCONJ
fsr-3297	53	14	the	the	DET
fsr-3297	53	15	lowest	low	ADJ
fsr-3297	53	16	be	be	NOUN
fsr-3297	53	17	irrs	irrs	NOUN
fsr-3297	53	18	are	be	AUX
fsr-3297	53	19	for	for	ADP
fsr-3297	53	20	couples	couple	NOUN
fsr-3297	53	21	with	with	ADP
fsr-3297	53	22	a	a	DET
fsr-3297	53	23	white	white	ADJ
fsr-3297	53	24	spouse	spouse	NOUN
fsr-3297	53	25	.	.	PUNCT
fsr-3297	54	1	they	they	PRON
fsr-3297	54	2	conclude	conclude	VERB
fsr-3297	54	3	that	that	SCONJ
fsr-3297	54	4	,	,	PUNCT
fsr-3297	54	5	from	from	ADP
fsr-3297	54	6	a	a	DET
fsr-3297	54	7	given	give	VERB
fsr-3297	54	8	base	base	NOUN
fsr-3297	54	9	age	age	NOUN
fsr-3297	54	10	,	,	PUNCT
fsr-3297	54	11	it	it	PRON
fsr-3297	54	12	is	be	AUX
fsr-3297	54	13	generally	generally	ADV
fsr-3297	54	14	more	more	ADV
fsr-3297	54	15	optimal	optimal	ADJ
fsr-3297	54	16	to	to	PART
fsr-3297	54	17	retire	retire	VERB
fsr-3297	54	18	now	now	ADV
fsr-3297	54	19	with	with	ADP
fsr-3297	54	20	a	a	DET
fsr-3297	54	21	longer	long	ADJ
fsr-3297	54	22	time	time	NOUN
fsr-3297	54	23	horizon	horizon	NOUN
fsr-3297	54	24	since	since	SCONJ
fsr-3297	54	25	the	the	DET
fsr-3297	54	26	hurdle	hurdle	NOUN
fsr-3297	54	27	rate	rate	NOUN
fsr-3297	54	28	is	be	AUX
fsr-3297	54	29	lower	low	ADJ
fsr-3297	54	30	and	and	CCONJ
fsr-3297	54	31	later	later	ADV
fsr-3297	54	32	with	with	ADP
fsr-3297	54	33	a	a	DET
fsr-3297	54	34	short	short	ADJ
fsr-3297	54	35	time	time	NOUN
fsr-3297	54	36	horizon	horizon	NOUN
fsr-3297	54	37	because	because	SCONJ
fsr-3297	54	38	the	the	DET
fsr-3297	54	39	hurdle	hurdle	NOUN
fsr-3297	54	40	rate	rate	NOUN
fsr-3297	54	41	is	be	AUX
fsr-3297	54	42	higher	high	ADJ
fsr-3297	54	43	.	.	PUNCT
fsr-3297	55	1	docking	docking	NOUN
fsr-3297	55	2	,	,	PUNCT
fsr-3297	55	3	fortin	fortin	PROPN
fsr-3297	55	4	,	,	PUNCT
fsr-3297	55	5	and	and	CCONJ
fsr-3297	55	6	michelson	michelson	PROPN
fsr-3297	55	7	(	(	PUNCT
fsr-3297	55	8	2015	2015	NUM
fsr-3297	55	9	)	)	PUNCT
fsr-3297	55	10	look	look	VERB
fsr-3297	55	11	at	at	ADP
fsr-3297	55	12	the	the	DET
fsr-3297	55	13	impact	impact	NOUN
fsr-3297	55	14	of	of	ADP
fsr-3297	55	15	race	race	NOUN
fsr-3297	55	16	and	and	CCONJ
fsr-3297	55	17	age	age	NOUN
fsr-3297	55	18	difference	difference	NOUN
fsr-3297	55	19	on	on	ADP
fsr-3297	55	20	the	the	DET
fsr-3297	55	21	retirement	retirement	NOUN
fsr-3297	55	22	decision	decision	NOUN
fsr-3297	55	23	of	of	ADP
fsr-3297	55	24	married	married	ADJ
fsr-3297	55	25	couples	couple	NOUN
fsr-3297	55	26	retiring	retire	VERB
fsr-3297	55	27	at	at	ADP
fsr-3297	55	28	the	the	DET
fsr-3297	55	29	same	same	ADJ
fsr-3297	55	30	age	age	NOUN
fsr-3297	55	31	and	and	CCONJ
fsr-3297	55	32	at	at	ADP
fsr-3297	55	33	different	different	ADJ
fsr-3297	55	34	ages	age	NOUN
fsr-3297	55	35	.	.	PUNCT
fsr-3297	56	1	in	in	ADP
fsr-3297	56	2	this	this	DET
fsr-3297	56	3	study	study	NOUN
fsr-3297	56	4	they	they	PRON
fsr-3297	56	5	assume	assume	VERB
fsr-3297	56	6	the	the	DET
fsr-3297	56	7	spouse	spouse	NOUN
fsr-3297	56	8	is	be	AUX
fsr-3297	56	9	older	old	ADJ
fsr-3297	56	10	than	than	ADP
fsr-3297	56	11	the	the	DET
fsr-3297	56	12	spouse	spouse	NOUN
fsr-3297	56	13	and	and	CCONJ
fsr-3297	56	14	is	be	AUX
fsr-3297	56	15	the	the	DET
fsr-3297	56	16	only	only	ADJ
fsr-3297	56	17	earner	earner	NOUN
fsr-3297	56	18	or	or	CCONJ
fsr-3297	56	19	breadwinner	breadwinner	NOUN
fsr-3297	56	20	in	in	ADP
fsr-3297	56	21	the	the	DET
fsr-3297	56	22	family	family	NOUN
fsr-3297	56	23	.	.	PUNCT
fsr-3297	57	1	assuming	assume	VERB
fsr-3297	57	2	couples	couple	NOUN
fsr-3297	57	3	retire	retire	VERB
fsr-3297	57	4	at	at	ADP
fsr-3297	57	5	the	the	DET
fsr-3297	57	6	same	same	ADJ
fsr-3297	57	7	age	age	NOUN
fsr-3297	57	8	,	,	PUNCT
fsr-3297	57	9	for	for	ADP
fsr-3297	57	10	the	the	DET
fsr-3297	57	11	retirement	retirement	NOUN
fsr-3297	57	12	ages	age	NOUN
fsr-3297	57	13	62	62	NUM
fsr-3297	57	14	versus	versus	ADP
fsr-3297	57	15	66	66	NUM
fsr-3297	57	16	,	,	PUNCT
fsr-3297	57	17	the	the	DET
fsr-3297	57	18	be	be	AUX
fsr-3297	57	19	irrs	irrs	NOUN
fsr-3297	57	20	uniformly	uniformly	ADV
fsr-3297	57	21	decrease	decrease	NOUN
fsr-3297	57	22	as	as	ADP
fsr-3297	57	23	the	the	DET
fsr-3297	57	24	age	age	NOUN
fsr-3297	57	25	difference	difference	NOUN
fsr-3297	57	26	increases	increase	NOUN
fsr-3297	57	27	.	.	PUNCT
fsr-3297	58	1	this	this	PRON
fsr-3297	58	2	implies	imply	VERB
fsr-3297	58	3	that	that	SCONJ
fsr-3297	58	4	the	the	PRON
fsr-3297	58	5	greater	great	ADJ
fsr-3297	58	6	the	the	DET
fsr-3297	58	7	age	age	NOUN
fsr-3297	58	8	difference	difference	NOUN
fsr-3297	58	9	between	between	ADP
fsr-3297	58	10	couples	couple	NOUN
fsr-3297	58	11	,	,	PUNCT
fsr-3297	58	12	the	the	PRON
fsr-3297	58	13	earlier	early	ADJ
fsr-3297	58	14	the	the	DET
fsr-3297	58	15	couples	couple	NOUN
fsr-3297	58	16	should	should	AUX
fsr-3297	58	17	retire	retire	VERB
fsr-3297	58	18	.	.	PUNCT
fsr-3297	59	1	be	be	AUX
fsr-3297	59	2	irrs	irrs	NOUN
fsr-3297	59	3	range	range	NOUN
fsr-3297	59	4	from	from	ADP
fsr-3297	59	5	a	a	DET
fsr-3297	59	6	low	low	NOUN
fsr-3297	59	7	of	of	ADP
fsr-3297	59	8	5.0862	5.0862	NUM
fsr-3297	59	9	%	%	NOUN
fsr-3297	59	10	for	for	ADP
fsr-3297	59	11	the	the	DET
fsr-3297	59	12	wm_bf	wm_bf	PROPN
fsr-3297	59	13	combination	combination	NOUN
fsr-3297	59	14	with	with	ADP
fsr-3297	59	15	a	a	DET
fsr-3297	59	16	10	10	NUM
fsr-3297	59	17	-	-	PUNCT
fsr-3297	59	18	year	year	NOUN
fsr-3297	59	19	age	age	NOUN
fsr-3297	59	20	difference	difference	NOUN
fsr-3297	59	21	,	,	PUNCT
fsr-3297	59	22	to	to	ADP
fsr-3297	59	23	a	a	DET
fsr-3297	59	24	high	high	NOUN
fsr-3297	59	25	of	of	ADP
fsr-3297	59	26	5.8151	5.8151	NUM
fsr-3297	59	27	%	%	NOUN
fsr-3297	59	28	for	for	ADP
fsr-3297	59	29	the	the	DET
fsr-3297	59	30	hm_hf	hm_hf	ADJ
fsr-3297	59	31	combination	combination	NOUN
fsr-3297	59	32	with	with	ADP
fsr-3297	59	33	a	a	DET
fsr-3297	59	34	zero	zero	NUM
fsr-3297	59	35	year	year	NOUN
fsr-3297	59	36	age	age	NOUN
fsr-3297	59	37	difference	difference	NOUN
fsr-3297	59	38	.	.	PUNCT
fsr-3297	60	1	for	for	ADP
fsr-3297	60	2	the	the	DET
fsr-3297	60	3	retirement	retirement	NOUN
fsr-3297	60	4	ages	age	NOUN
fsr-3297	60	5	62	62	NUM
fsr-3297	60	6	versus	versus	ADP
fsr-3297	60	7	70	70	NUM
fsr-3297	60	8	,	,	PUNCT
fsr-3297	60	9	the	the	DET
fsr-3297	60	10	be	be	AUX
fsr-3297	60	11	irrs	irrs	NOUN
fsr-3297	60	12	uniformly	uniformly	ADV
fsr-3297	60	13	increase	increase	NOUN
fsr-3297	60	14	as	as	ADP
fsr-3297	60	15	the	the	DET
fsr-3297	60	16	age	age	NOUN
fsr-3297	60	17	difference	difference	NOUN
fsr-3297	60	18	increases	increase	NOUN
fsr-3297	60	19	.	.	PUNCT
fsr-3297	61	1	this	this	PRON
fsr-3297	61	2	implies	imply	VERB
fsr-3297	61	3	that	that	SCONJ
fsr-3297	61	4	the	the	PRON
fsr-3297	61	5	greater	great	ADJ
fsr-3297	61	6	the	the	DET
fsr-3297	61	7	age	age	NOUN
fsr-3297	61	8	difference	difference	NOUN
fsr-3297	61	9	between	between	ADP
fsr-3297	61	10	couples	couple	NOUN
fsr-3297	61	11	,	,	PUNCT
fsr-3297	61	12	the	the	DET
fsr-3297	61	13	later	later	ADV
fsr-3297	61	14	the	the	DET
fsr-3297	61	15	couples	couple	NOUN
fsr-3297	61	16	should	should	AUX
fsr-3297	61	17	retire	retire	VERB
fsr-3297	61	18	.	.	PUNCT
fsr-3297	62	1	however	however	ADV
fsr-3297	62	2	,	,	PUNCT
fsr-3297	62	3	the	the	DET
fsr-3297	62	4	be	be	NOUN
fsr-3297	62	5	irrs	irrs	NOUN
fsr-3297	62	6	are	be	AUX
fsr-3297	62	7	much	much	ADV
fsr-3297	62	8	lower	low	ADJ
fsr-3297	62	9	in	in	ADP
fsr-3297	62	10	this	this	DET
fsr-3297	62	11	retirement	retirement	NOUN
fsr-3297	62	12	decision	decision	NOUN
fsr-3297	62	13	,	,	PUNCT
fsr-3297	62	14	ranging	range	VERB
fsr-3297	62	15	from	from	ADP
fsr-3297	62	16	a	a	DET
fsr-3297	62	17	low	low	NOUN
fsr-3297	62	18	of	of	ADP
fsr-3297	62	19	2.8949	2.8949	NUM
fsr-3297	62	20	%	%	NOUN
fsr-3297	62	21	for	for	ADP
fsr-3297	62	22	the	the	DET
fsr-3297	62	23	wm_wf	wm_wf	PROPN
fsr-3297	62	24	combination	combination	NOUN
fsr-3297	62	25	with	with	ADP
fsr-3297	62	26	a	a	DET
fsr-3297	62	27	zero	zero	NUM
fsr-3297	62	28	year	year	NOUN
fsr-3297	62	29	age	age	NOUN
fsr-3297	62	30	difference	difference	NOUN
fsr-3297	62	31	,	,	PUNCT
fsr-3297	62	32	to	to	ADP
fsr-3297	62	33	a	a	DET
fsr-3297	62	34	high	high	NOUN
fsr-3297	62	35	of	of	ADP
fsr-3297	62	36	3.8750	3.8750	NUM
fsr-3297	62	37	%	%	NOUN
fsr-3297	62	38	for	for	ADP
fsr-3297	62	39	the	the	DET
fsr-3297	62	40	hm_hf	hm_hf	NOUN
fsr-3297	62	41	with	with	ADP
fsr-3297	62	42	a	a	DET
fsr-3297	62	43	10	10	NUM
fsr-3297	62	44	-	-	PUNCT
fsr-3297	62	45	year	year	NOUN
fsr-3297	62	46	age	age	NOUN
fsr-3297	62	47	difference	difference	NOUN
fsr-3297	62	48	.	.	PUNCT
fsr-3297	63	1	results	result	NOUN
fsr-3297	63	2	for	for	ADP
fsr-3297	63	3	the	the	DET
fsr-3297	63	4	66	66	NUM
fsr-3297	63	5	versus	versus	ADP
fsr-3297	63	6	70	70	NUM
fsr-3297	63	7	retirement	retirement	NOUN
fsr-3297	63	8	age	age	NOUN
fsr-3297	63	9	decision	decision	NOUN
fsr-3297	63	10	are	be	AUX
fsr-3297	63	11	similar	similar	ADJ
fsr-3297	63	12	to	to	ADP
fsr-3297	63	13	the	the	DET
fsr-3297	63	14	62	62	NUM
fsr-3297	63	15	versus	versus	ADP
fsr-3297	63	16	70	70	NUM
fsr-3297	63	17	decision	decision	NOUN
fsr-3297	63	18	;	;	PUNCT
fsr-3297	63	19	however	however	ADV
fsr-3297	63	20	,	,	PUNCT
fsr-3297	63	21	the	the	DET
fsr-3297	63	22	be	be	NOUN
fsr-3297	63	23	irrs	irrs	NOUN
fsr-3297	63	24	are	be	AUX
fsr-3297	63	25	even	even	ADV
fsr-3297	63	26	lower	low	ADJ
fsr-3297	63	27	.	.	PUNCT
fsr-3297	64	1	be	be	AUX
fsr-3297	64	2	irrs	irrs	NOUN
fsr-3297	64	3	range	range	NOUN
fsr-3297	64	4	from	from	ADP
fsr-3297	64	5	a	a	DET
fsr-3297	64	6	low	low	NOUN
fsr-3297	64	7	of	of	ADP
fsr-3297	64	8	�	�	NOUN
fsr-3297	64	9	0.123	0.123	NUM
fsr-3297	64	10	%	%	NOUN
fsr-3297	64	11	for	for	ADP
fsr-3297	64	12	the	the	DET
fsr-3297	64	13	wm_hf	wm_hf	PROPN
fsr-3297	64	14	combination	combination	NOUN
fsr-3297	64	15	with	with	ADP
fsr-3297	64	16	a	a	DET
fsr-3297	64	17	zero	zero	NUM
fsr-3297	64	18	year	year	NOUN
fsr-3297	64	19	age	age	NOUN
fsr-3297	64	20	difference	difference	NOUN
fsr-3297	64	21	,	,	PUNCT
fsr-3297	64	22	to	to	ADP
fsr-3297	64	23	a	a	DET
fsr-3297	64	24	high	high	NOUN
fsr-3297	64	25	of	of	ADP
fsr-3297	64	26	2.0017	2.0017	NUM
fsr-3297	64	27	%	%	NOUN
fsr-3297	64	28	for	for	ADP
fsr-3297	64	29	the	the	DET
fsr-3297	64	30	hm_bf	hm_bf	PROPN
fsr-3297	64	31	with	with	ADP
fsr-3297	64	32	a	a	DET
fsr-3297	64	33	10	10	NUM
fsr-3297	64	34	-	-	PUNCT
fsr-3297	64	35	year	year	NOUN
fsr-3297	64	36	age	age	NOUN
fsr-3297	64	37	difference	difference	NOUN
fsr-3297	64	38	.	.	PUNCT
fsr-3297	65	1	overall	overall	ADV
fsr-3297	65	2	,	,	PUNCT
fsr-3297	65	3	the	the	DET
fsr-3297	65	4	highest	high	ADJ
fsr-3297	65	5	be	be	NOUN
fsr-3297	65	6	irrs	irrs	NOUN
fsr-3297	65	7	have	have	VERB
fsr-3297	65	8	an	an	DET
fsr-3297	65	9	older	old	ADJ
fsr-3297	65	10	hispanic	hispanic	ADJ
fsr-3297	65	11	male	male	NOUN
fsr-3297	65	12	as	as	ADP
fsr-3297	65	13	the	the	DET
fsr-3297	65	14	breadwinner	breadwinner	NOUN
fsr-3297	65	15	;	;	PUNCT
fsr-3297	65	16	whereas	whereas	SCONJ
fsr-3297	65	17	the	the	DET
fsr-3297	65	18	lowest	low	ADJ
fsr-3297	65	19	be	be	AUX
fsr-3297	65	20	irrs	irrs	NOUN
fsr-3297	65	21	have	have	VERB
fsr-3297	65	22	an	an	DET
fsr-3297	65	23	older	old	ADJ
fsr-3297	65	24	white	white	ADJ
fsr-3297	65	25	male	male	NOUN
fsr-3297	65	26	as	as	ADP
fsr-3297	65	27	the	the	DET
fsr-3297	65	28	breadwinner	breadwinner	NOUN
fsr-3297	65	29	.	.	PUNCT
fsr-3297	66	1	this	this	PRON
fsr-3297	66	2	would	would	AUX
fsr-3297	66	3	suggest	suggest	VERB
fsr-3297	66	4	early	early	ADJ
fsr-3297	66	5	retirement	retirement	NOUN
fsr-3297	66	6	at	at	ADP
fsr-3297	66	7	all	all	DET
fsr-3297	66	8	age	age	NOUN
fsr-3297	66	9	differences	difference	NOUN
fsr-3297	66	10	and	and	CCONJ
fsr-3297	66	11	all	all	DET
fsr-3297	66	12	race	race	NOUN
fsr-3297	66	13	-	-	PUNCT
fsr-3297	66	14	gender	gender	NOUN
fsr-3297	66	15	combinations	combination	NOUN
fsr-3297	66	16	,	,	PUNCT
fsr-3297	66	17	given	give	VERB
fsr-3297	66	18	the	the	DET
fsr-3297	66	19	lower	low	ADJ
fsr-3297	66	20	hurdle	hurdle	NOUN
fsr-3297	66	21	rates	rate	NOUN
fsr-3297	66	22	(	(	PUNCT
fsr-3297	66	23	be	be	AUX
fsr-3297	66	24	irrs	irrs	NOUN
fsr-3297	66	25	)	)	PUNCT
fsr-3297	66	26	to	to	PART
fsr-3297	66	27	overcome	overcome	VERB
fsr-3297	66	28	.	.	PUNCT
fsr-3297	67	1	assuming	assume	VERB
fsr-3297	67	2	couples	couple	NOUN
fsr-3297	67	3	retire	retire	VERB
fsr-3297	67	4	at	at	ADP
fsr-3297	67	5	different	different	ADJ
fsr-3297	67	6	ages	age	NOUN
fsr-3297	67	7	,	,	PUNCT
fsr-3297	67	8	docking	docking	NOUN
fsr-3297	67	9	,	,	PUNCT
fsr-3297	67	10	fortin	fortin	PROPN
fsr-3297	67	11	,	,	PUNCT
fsr-3297	67	12	and	and	CCONJ
fsr-3297	67	13	michelson	michelson	PROPN
fsr-3297	67	14	(	(	PUNCT
fsr-3297	67	15	2015	2015	NUM
fsr-3297	67	16	)	)	PUNCT
fsr-3297	67	17	examined	examine	VERB
fsr-3297	67	18	a	a	DET
fsr-3297	67	19	specific	specific	ADJ
fsr-3297	67	20	scenario	scenario	NOUN
fsr-3297	67	21	of	of	ADP
fsr-3297	67	22	the	the	DET
fsr-3297	67	23	impact	impact	NOUN
fsr-3297	67	24	of	of	ADP
fsr-3297	67	25	age	age	NOUN
fsr-3297	67	26	differences	difference	NOUN
fsr-3297	67	27	on	on	ADP
fsr-3297	67	28	an	an	DET
fsr-3297	67	29	early	early	ADJ
fsr-3297	67	30	male	male	ADJ
fsr-3297	67	31	/	/	SYM
fsr-3297	67	32	female	female	ADJ
fsr-3297	67	33	retirement	retirement	NOUN
fsr-3297	67	34	of	of	ADP
fsr-3297	67	35	66	66	NUM
fsr-3297	67	36	and	and	CCONJ
fsr-3297	67	37	62	62	NUM
fsr-3297	67	38	,	,	PUNCT
fsr-3297	67	39	respectively	respectively	ADV
fsr-3297	67	40	,	,	PUNCT
fsr-3297	67	41	versus	versus	ADP
fsr-3297	67	42	a	a	DET
fsr-3297	67	43	late	late	ADJ
fsr-3297	67	44	male	male	ADJ
fsr-3297	67	45	/	/	SYM
fsr-3297	67	46	female	female	ADJ
fsr-3297	67	47	retirement	retirement	NOUN
fsr-3297	67	48	of	of	ADP
fsr-3297	67	49	70	70	NUM
fsr-3297	67	50	and	and	CCONJ
fsr-3297	67	51	66	66	NUM
fsr-3297	67	52	,	,	PUNCT
fsr-3297	67	53	respectively	respectively	ADV
fsr-3297	67	54	.	.	PUNCT
fsr-3297	68	1	in	in	ADP
fsr-3297	68	2	all	all	DET
fsr-3297	68	3	nine	nine	NUM
fsr-3297	68	4	race	race	NOUN
fsr-3297	68	5	combinations	combination	NOUN
fsr-3297	68	6	the	the	PRON
fsr-3297	68	7	be	be	AUX
fsr-3297	68	8	irrs	irrs	NOUN
fsr-3297	68	9	decline	decline	NOUN
fsr-3297	68	10	as	as	SCONJ
fsr-3297	68	11	the	the	DET
fsr-3297	68	12	age	age	NOUN
fsr-3297	68	13	differences	difference	NOUN
fsr-3297	68	14	increase	increase	VERB
fsr-3297	68	15	.	.	PUNCT
fsr-3297	69	1	this	this	PRON
fsr-3297	69	2	suggests	suggest	VERB
fsr-3297	69	3	that	that	SCONJ
fsr-3297	69	4	the	the	PRON
fsr-3297	69	5	greater	great	ADJ
fsr-3297	69	6	the	the	DET
fsr-3297	69	7	age	age	NOUN
fsr-3297	69	8	difference	difference	NOUN
fsr-3297	69	9	the	the	PRON
fsr-3297	69	10	greater	great	ADJ
fsr-3297	69	11	the	the	DET
fsr-3297	69	12	incentive	incentive	NOUN
fsr-3297	69	13	to	to	PART
fsr-3297	69	14	retire	retire	VERB
fsr-3297	69	15	early	early	ADV
fsr-3297	69	16	as	as	SCONJ
fsr-3297	69	17	the	the	DET
fsr-3297	69	18	hurdle	hurdle	NOUN
fsr-3297	69	19	rate	rate	NOUN
fsr-3297	69	20	is	be	AUX
fsr-3297	69	21	lower	low	ADJ
fsr-3297	69	22	to	to	PART
fsr-3297	69	23	overcome	overcome	VERB
fsr-3297	69	24	.	.	PUNCT
fsr-3297	70	1	89d.s	89d.s	NUM
fsr-3297	70	2	.	.	PUNCT
fsr-3297	71	1	docking	dock	VERB
fsr-3297	71	2	et	et	PROPN
fsr-3297	71	3	al	al	PROPN
fsr-3297	71	4	.	.	PUNCT
fsr-3297	71	5	/	/	SYM
fsr-3297	71	6	financial	financial	ADJ
fsr-3297	71	7	services	service	NOUN
fsr-3297	71	8	review	review	VERB
fsr-3297	71	9	26	26	NUM
fsr-3297	71	10	(	(	PUNCT
fsr-3297	71	11	2017	2017	NUM
fsr-3297	71	12	)	)	PUNCT
fsr-3297	71	13	87–111	87–111	PROPN
fsr-3297	71	14	3	3	NUM
fsr-3297	71	15	.	.	PUNCT
fsr-3297	72	1	how	how	SCONJ
fsr-3297	72	2	social	social	ADJ
fsr-3297	72	3	security	security	NOUN
fsr-3297	72	4	works	work	VERB
fsr-3297	72	5	a	a	DET
fsr-3297	72	6	detailed	detailed	ADJ
fsr-3297	72	7	description	description	NOUN
fsr-3297	72	8	of	of	ADP
fsr-3297	72	9	how	how	SCONJ
fsr-3297	72	10	social	social	ADJ
fsr-3297	72	11	security	security	NOUN
fsr-3297	72	12	works	work	NOUN
fsr-3297	72	13	can	can	AUX
fsr-3297	72	14	be	be	AUX
fsr-3297	72	15	found	find	VERB
fsr-3297	72	16	in	in	ADP
fsr-3297	72	17	docking	docking	NOUN
fsr-3297	72	18	,	,	PUNCT
fsr-3297	72	19	fortin	fortin	PROPN
fsr-3297	72	20	,	,	PUNCT
fsr-3297	72	21	and	and	CCONJ
fsr-3297	72	22	michelson	michelson	PROPN
fsr-3297	72	23	(	(	PUNCT
fsr-3297	72	24	2012	2012	NUM
fsr-3297	72	25	,	,	PUNCT
fsr-3297	72	26	2013	2013	NUM
fsr-3297	72	27	)	)	PUNCT
fsr-3297	72	28	.	.	PUNCT
fsr-3297	73	1	briefly	briefly	ADV
fsr-3297	73	2	,	,	PUNCT
fsr-3297	73	3	individuals	individual	NOUN
fsr-3297	73	4	aged	age	VERB
fsr-3297	73	5	62	62	NUM
fsr-3297	73	6	or	or	CCONJ
fsr-3297	73	7	older	old	ADJ
fsr-3297	73	8	who	who	PRON
fsr-3297	73	9	had	have	AUX
fsr-3297	73	10	earned	earn	VERB
fsr-3297	73	11	income	income	NOUN
fsr-3297	73	12	that	that	PRON
fsr-3297	73	13	was	be	AUX
fsr-3297	73	14	subject	subject	ADJ
fsr-3297	73	15	to	to	ADP
fsr-3297	73	16	the	the	DET
fsr-3297	73	17	social	social	ADJ
fsr-3297	73	18	security	security	NOUN
fsr-3297	73	19	payroll	payroll	NOUN
fsr-3297	73	20	tax	tax	NOUN
fsr-3297	73	21	for	for	ADP
fsr-3297	73	22	at	at	ADV
fsr-3297	73	23	least	least	ADV
fsr-3297	73	24	10	10	NUM
fsr-3297	73	25	years	year	NOUN
fsr-3297	73	26	(	(	PUNCT
fsr-3297	73	27	40	40	NUM
fsr-3297	73	28	quarters	quarter	NOUN
fsr-3297	73	29	)	)	PUNCT
fsr-3297	73	30	since	since	SCONJ
fsr-3297	73	31	1951	1951	NUM
fsr-3297	73	32	are	be	AUX
fsr-3297	73	33	eligible	eligible	ADJ
fsr-3297	73	34	for	for	ADP
fsr-3297	73	35	retirement	retirement	NOUN
fsr-3297	73	36	benefits	benefit	NOUN
fsr-3297	73	37	.	.	PUNCT
fsr-3297	74	1	individuals	individual	NOUN
fsr-3297	74	2	born	bear	VERB
fsr-3297	74	3	between	between	ADP
fsr-3297	74	4	1946	1946	NUM
fsr-3297	74	5	and	and	CCONJ
fsr-3297	74	6	1954	1954	NUM
fsr-3297	74	7	can	can	AUX
fsr-3297	74	8	retire	retire	VERB
fsr-3297	74	9	with	with	ADP
fsr-3297	74	10	full	full	ADJ
fsr-3297	74	11	ssbs	ssbs	NOUN
fsr-3297	74	12	at	at	ADP
fsr-3297	74	13	their	their	PRON
fsr-3297	74	14	fra	fra	NOUN
fsr-3297	74	15	of	of	ADP
fsr-3297	74	16	66	66	NUM
fsr-3297	74	17	.	.	PUNCT
fsr-3297	75	1	the	the	DET
fsr-3297	75	2	fra	fra	NOUN
fsr-3297	75	3	gradually	gradually	ADV
fsr-3297	75	4	rises	rise	VERB
fsr-3297	75	5	until	until	SCONJ
fsr-3297	75	6	it	it	PRON
fsr-3297	75	7	reaches	reach	VERB
fsr-3297	75	8	67	67	NUM
fsr-3297	75	9	for	for	ADP
fsr-3297	75	10	people	people	NOUN
fsr-3297	75	11	born	bear	VERB
fsr-3297	75	12	in	in	ADP
fsr-3297	75	13	1960	1960	NUM
fsr-3297	75	14	or	or	CCONJ
fsr-3297	75	15	later	later	ADV
fsr-3297	75	16	.	.	PUNCT
fsr-3297	76	1	however	however	ADV
fsr-3297	76	2	,	,	PUNCT
fsr-3297	76	3	individuals	individual	NOUN
fsr-3297	76	4	have	have	VERB
fsr-3297	76	5	the	the	DET
fsr-3297	76	6	option	option	NOUN
fsr-3297	76	7	to	to	PART
fsr-3297	76	8	retire	retire	VERB
fsr-3297	76	9	earlier	early	ADV
fsr-3297	76	10	or	or	CCONJ
fsr-3297	76	11	later	later	ADV
fsr-3297	76	12	than	than	ADP
fsr-3297	76	13	their	their	PRON
fsr-3297	76	14	fra	fra	NOUN
fsr-3297	76	15	.	.	PUNCT
fsr-3297	77	1	the	the	DET
fsr-3297	77	2	earliest	early	ADJ
fsr-3297	77	3	one	one	NOUN
fsr-3297	77	4	can	can	AUX
fsr-3297	77	5	retire	retire	VERB
fsr-3297	77	6	is	be	AUX
fsr-3297	77	7	age	age	NOUN
fsr-3297	77	8	62	62	NUM
fsr-3297	77	9	,	,	PUNCT
fsr-3297	77	10	and	and	CCONJ
fsr-3297	77	11	the	the	DET
fsr-3297	77	12	latest	late	ADJ
fsr-3297	77	13	is	be	AUX
fsr-3297	77	14	age	age	NOUN
fsr-3297	77	15	70	70	NUM
fsr-3297	77	16	.	.	PUNCT
fsr-3297	78	1	early	early	ADJ
fsr-3297	78	2	retirement	retirement	NOUN
fsr-3297	78	3	is	be	AUX
fsr-3297	78	4	attractive	attractive	ADJ
fsr-3297	78	5	for	for	ADP
fsr-3297	78	6	many	many	ADJ
fsr-3297	78	7	reasons	reason	NOUN
fsr-3297	78	8	:	:	PUNCT
fsr-3297	78	9	ssbs	ssbs	NOUN
fsr-3297	78	10	and	and	CCONJ
fsr-3297	78	11	rules	rule	NOUN
fsr-3297	78	12	can	can	AUX
fsr-3297	78	13	change	change	VERB
fsr-3297	78	14	,	,	PUNCT
fsr-3297	78	15	health	health	NOUN
fsr-3297	78	16	concerns	concern	NOUN
fsr-3297	78	17	,	,	PUNCT
fsr-3297	78	18	and	and	CCONJ
fsr-3297	78	19	increased	increase	VERB
fsr-3297	78	20	demand	demand	NOUN
fsr-3297	78	21	for	for	ADP
fsr-3297	78	22	leisure	leisure	NOUN
fsr-3297	78	23	.	.	PUNCT
fsr-3297	79	1	however	however	ADV
fsr-3297	79	2	,	,	PUNCT
fsr-3297	79	3	ssbs	ssbs	PROPN
fsr-3297	79	4	are	be	AUX
fsr-3297	79	5	permanently	permanently	ADV
fsr-3297	79	6	reduced	reduce	VERB
fsr-3297	79	7	by	by	ADP
fsr-3297	79	8	an	an	DET
fsr-3297	79	9	actuarial	actuarial	ADJ
fsr-3297	79	10	reduction	reduction	NOUN
fsr-3297	79	11	factor	factor	NOUN
fsr-3297	79	12	(	(	PUNCT
fsr-3297	79	13	5/9	5/9	NUM
fsr-3297	79	14	of	of	ADP
fsr-3297	79	15	1	1	NUM
fsr-3297	79	16	%	%	NOUN
fsr-3297	79	17	for	for	ADP
fsr-3297	79	18	the	the	DET
fsr-3297	79	19	first	first	ADJ
fsr-3297	79	20	36	36	NUM
fsr-3297	79	21	months	month	NOUN
fsr-3297	79	22	and	and	CCONJ
fsr-3297	79	23	5/12	5/12	NUM
fsr-3297	79	24	of	of	ADP
fsr-3297	79	25	1	1	NUM
fsr-3297	79	26	%	%	NOUN
fsr-3297	79	27	per	per	ADP
fsr-3297	79	28	month	month	NOUN
fsr-3297	79	29	thereafter	thereafter	ADV
fsr-3297	79	30	for	for	ADP
fsr-3297	79	31	early	early	ADJ
fsr-3297	79	32	retirement	retirement	NOUN
fsr-3297	79	33	)	)	PUNCT
fsr-3297	79	34	.	.	PUNCT
fsr-3297	80	1	for	for	ADP
fsr-3297	80	2	example	example	NOUN
fsr-3297	80	3	,	,	PUNCT
fsr-3297	80	4	a	a	DET
fsr-3297	80	5	worker	worker	NOUN
fsr-3297	80	6	with	with	ADP
fsr-3297	80	7	a	a	DET
fsr-3297	80	8	fra	fra	NOUN
fsr-3297	80	9	of	of	ADP
fsr-3297	80	10	66	66	NUM
fsr-3297	80	11	who	who	PRON
fsr-3297	80	12	claims	claim	VERB
fsr-3297	80	13	early	early	ADV
fsr-3297	80	14	at	at	ADP
fsr-3297	80	15	age	age	NOUN
fsr-3297	80	16	62	62	NUM
fsr-3297	80	17	receives	receive	VERB
fsr-3297	80	18	75	75	NUM
fsr-3297	80	19	%	%	NOUN
fsr-3297	80	20	of	of	ADP
fsr-3297	80	21	their	their	PRON
fsr-3297	80	22	fra	fra	NOUN
fsr-3297	80	23	benefit	benefit	NOUN
fsr-3297	80	24	amount	amount	NOUN
fsr-3297	80	25	;	;	PUNCT
fsr-3297	80	26	a	a	DET
fsr-3297	80	27	worker	worker	NOUN
fsr-3297	80	28	with	with	ADP
fsr-3297	80	29	a	a	DET
fsr-3297	80	30	fra	fra	NOUN
fsr-3297	80	31	of	of	ADP
fsr-3297	80	32	67	67	NUM
fsr-3297	80	33	who	who	PRON
fsr-3297	80	34	claims	claim	VERB
fsr-3297	80	35	at	at	ADP
fsr-3297	80	36	age	age	NOUN
fsr-3297	80	37	62	62	NUM
fsr-3297	80	38	receives	receive	VERB
fsr-3297	80	39	only	only	ADV
fsr-3297	80	40	70	70	NUM
fsr-3297	80	41	%	%	NOUN
fsr-3297	80	42	of	of	ADP
fsr-3297	80	43	their	their	PRON
fsr-3297	80	44	fra	fra	NOUN
fsr-3297	80	45	benefit	benefit	NOUN
fsr-3297	80	46	amount	amount	NOUN
fsr-3297	80	47	.	.	PUNCT
fsr-3297	81	1	delayed	delay	VERB
fsr-3297	81	2	retirement	retirement	NOUN
fsr-3297	81	3	is	be	AUX
fsr-3297	81	4	attractive	attractive	ADJ
fsr-3297	81	5	because	because	SCONJ
fsr-3297	81	6	ssbs	ssbs	PROPN
fsr-3297	81	7	are	be	AUX
fsr-3297	81	8	increased	increase	VERB
fsr-3297	81	9	by	by	ADP
fsr-3297	81	10	a	a	DET
fsr-3297	81	11	delayed	delay	VERB
fsr-3297	81	12	retirement	retirement	NOUN
fsr-3297	81	13	credit	credit	NOUN
fsr-3297	81	14	(	(	PUNCT
fsr-3297	81	15	drc	drc	PROPN
fsr-3297	81	16	)	)	PUNCT
fsr-3297	81	17	of	of	ADP
fsr-3297	81	18	8	8	NUM
fsr-3297	81	19	%	%	NOUN
fsr-3297	81	20	for	for	ADP
fsr-3297	81	21	each	each	DET
fsr-3297	81	22	year	year	NOUN
fsr-3297	81	23	of	of	ADP
fsr-3297	81	24	delay	delay	NOUN
fsr-3297	81	25	after	after	ADP
fsr-3297	81	26	fra	fra	NOUN
fsr-3297	81	27	up	up	ADP
fsr-3297	81	28	to	to	ADP
fsr-3297	81	29	age	age	NOUN
fsr-3297	81	30	70	70	NUM
fsr-3297	81	31	.	.	PUNCT
fsr-3297	82	1	in	in	ADP
fsr-3297	82	2	this	this	DET
fsr-3297	82	3	case	case	NOUN
fsr-3297	82	4	a	a	DET
fsr-3297	82	5	delayed	delay	VERB
fsr-3297	82	6	retirement	retirement	NOUN
fsr-3297	82	7	credit	credit	NOUN
fsr-3297	82	8	(	(	PUNCT
fsr-3297	82	9	drc	drc	PROPN
fsr-3297	82	10	)	)	PUNCT
fsr-3297	82	11	will	will	AUX
fsr-3297	82	12	be	be	AUX
fsr-3297	82	13	added	add	VERB
fsr-3297	82	14	to	to	ADP
fsr-3297	82	15	the	the	DET
fsr-3297	82	16	fra	fra	NOUN
fsr-3297	82	17	benefit	benefit	NOUN
fsr-3297	82	18	.	.	PUNCT
fsr-3297	83	1	for	for	ADP
fsr-3297	83	2	example	example	NOUN
fsr-3297	83	3	,	,	PUNCT
fsr-3297	83	4	a	a	DET
fsr-3297	83	5	worker	worker	NOUN
fsr-3297	83	6	with	with	ADP
fsr-3297	83	7	a	a	DET
fsr-3297	83	8	fra	fra	NOUN
fsr-3297	83	9	of	of	ADP
fsr-3297	83	10	66	66	NUM
fsr-3297	83	11	who	who	PRON
fsr-3297	83	12	delays	delay	VERB
fsr-3297	83	13	claiming	claim	VERB
fsr-3297	83	14	until	until	SCONJ
fsr-3297	83	15	age	age	NOUN
fsr-3297	83	16	70	70	NUM
fsr-3297	83	17	receives	receive	VERB
fsr-3297	83	18	132	132	NUM
fsr-3297	83	19	%	%	NOUN
fsr-3297	83	20	of	of	ADP
fsr-3297	83	21	their	their	PRON
fsr-3297	83	22	fra	fra	NOUN
fsr-3297	83	23	benefit	benefit	NOUN
fsr-3297	83	24	amount	amount	NOUN
fsr-3297	83	25	;	;	PUNCT
fsr-3297	83	26	a	a	DET
fsr-3297	83	27	worker	worker	NOUN
fsr-3297	83	28	with	with	ADP
fsr-3297	83	29	a	a	DET
fsr-3297	83	30	fra	fra	NOUN
fsr-3297	83	31	of	of	ADP
fsr-3297	83	32	67	67	NUM
fsr-3297	83	33	who	who	PRON
fsr-3297	83	34	claims	claim	VERB
fsr-3297	83	35	at	at	ADP
fsr-3297	83	36	age	age	NOUN
fsr-3297	83	37	70	70	NUM
fsr-3297	83	38	receives	receive	VERB
fsr-3297	83	39	only	only	ADV
fsr-3297	83	40	124	124	NUM
fsr-3297	83	41	%	%	NOUN
fsr-3297	83	42	of	of	ADP
fsr-3297	83	43	their	their	PRON
fsr-3297	83	44	fra	fra	NOUN
fsr-3297	83	45	benefit	benefit	NOUN
fsr-3297	83	46	amount	amount	NOUN
fsr-3297	83	47	.	.	PUNCT
fsr-3297	84	1	workers	worker	NOUN
fsr-3297	84	2	who	who	PRON
fsr-3297	84	3	claim	claim	VERB
fsr-3297	84	4	early	early	ADJ
fsr-3297	84	5	retirement	retirement	NOUN
fsr-3297	84	6	benefits	benefit	NOUN
fsr-3297	84	7	,	,	PUNCT
fsr-3297	84	8	but	but	CCONJ
fsr-3297	84	9	continue	continue	VERB
fsr-3297	84	10	to	to	PART
fsr-3297	84	11	work	work	VERB
fsr-3297	84	12	,	,	PUNCT
fsr-3297	84	13	may	may	AUX
fsr-3297	84	14	have	have	AUX
fsr-3297	84	15	their	their	PRON
fsr-3297	84	16	ssbs	ssbs	NOUN
fsr-3297	84	17	reduced	reduce	VERB
fsr-3297	84	18	.	.	PUNCT
fsr-3297	85	1	this	this	PRON
fsr-3297	85	2	is	be	AUX
fsr-3297	85	3	referred	refer	VERB
fsr-3297	85	4	to	to	ADP
fsr-3297	85	5	as	as	ADP
fsr-3297	85	6	the	the	DET
fsr-3297	85	7	earnings	earning	NOUN
fsr-3297	85	8	test	test	NOUN
fsr-3297	85	9	(	(	PUNCT
fsr-3297	85	10	et	et	NOUN
fsr-3297	85	11	)	)	PUNCT
fsr-3297	85	12	.	.	PUNCT
fsr-3297	86	1	however	however	ADV
fsr-3297	86	2	,	,	PUNCT
fsr-3297	86	3	since	since	SCONJ
fsr-3297	86	4	2000	2000	NUM
fsr-3297	86	5	,	,	PUNCT
fsr-3297	86	6	there	there	PRON
fsr-3297	86	7	has	have	AUX
fsr-3297	86	8	been	be	AUX
fsr-3297	86	9	no	no	DET
fsr-3297	86	10	et	et	NOUN
fsr-3297	86	11	above	above	ADP
fsr-3297	86	12	the	the	DET
fsr-3297	86	13	fra.1	fra.1	PROPN
fsr-3297	86	14	that	that	PRON
fsr-3297	86	15	is	be	AUX
fsr-3297	86	16	,	,	PUNCT
fsr-3297	86	17	ssbs	ssbs	PROPN
fsr-3297	86	18	are	be	AUX
fsr-3297	86	19	not	not	PART
fsr-3297	86	20	reduced	reduce	VERB
fsr-3297	86	21	if	if	SCONJ
fsr-3297	86	22	the	the	DET
fsr-3297	86	23	worker	worker	NOUN
fsr-3297	86	24	is	be	AUX
fsr-3297	86	25	of	of	ADP
fsr-3297	86	26	fra	fra	NOUN
fsr-3297	86	27	and	and	CCONJ
fsr-3297	86	28	continues	continue	VERB
fsr-3297	86	29	to	to	PART
fsr-3297	86	30	work	work	VERB
fsr-3297	86	31	.	.	PUNCT
fsr-3297	87	1	a	a	DET
fsr-3297	87	2	spouse	spouse	NOUN
fsr-3297	87	3	has	have	VERB
fsr-3297	87	4	dual	dual	ADJ
fsr-3297	87	5	entitlements	entitlement	NOUN
fsr-3297	87	6	to	to	PART
fsr-3297	87	7	ssbs	ssbs	VERB
fsr-3297	87	8	.	.	PUNCT
fsr-3297	88	1	a	a	DET
fsr-3297	88	2	spouse	spouse	NOUN
fsr-3297	88	3	is	be	AUX
fsr-3297	88	4	entitled	entitle	VERB
fsr-3297	88	5	to	to	ADP
fsr-3297	88	6	the	the	DET
fsr-3297	88	7	larger	large	ADJ
fsr-3297	88	8	of	of	ADP
fsr-3297	88	9	100	100	NUM
fsr-3297	88	10	%	%	NOUN
fsr-3297	88	11	of	of	ADP
fsr-3297	88	12	benefits	benefit	NOUN
fsr-3297	88	13	at	at	ADP
fsr-3297	88	14	fra	fra	NOUN
fsr-3297	88	15	based	base	VERB
fsr-3297	88	16	on	on	ADP
fsr-3297	88	17	his	his	PRON
fsr-3297	88	18	or	or	CCONJ
fsr-3297	88	19	her	her	PRON
fsr-3297	88	20	own	own	ADJ
fsr-3297	88	21	earnings	earning	NOUN
fsr-3297	88	22	record	record	NOUN
fsr-3297	88	23	or	or	CCONJ
fsr-3297	88	24	up	up	ADP
fsr-3297	88	25	to	to	PART
fsr-3297	88	26	50	50	NUM
fsr-3297	88	27	%	%	NOUN
fsr-3297	88	28	of	of	ADP
fsr-3297	88	29	the	the	DET
fsr-3297	88	30	spouse	spouse	NOUN
fsr-3297	88	31	’s	’s	PART
fsr-3297	88	32	benefits	benefit	NOUN
fsr-3297	88	33	at	at	ADP
fsr-3297	88	34	fra	fra	PROPN
fsr-3297	88	35	.	.	PUNCT
fsr-3297	89	1	ssbspouse1	ssbspouse1	PROPN
fsr-3297	89	2	�	�	PROPN
fsr-3297	89	3	max	max	PROPN
fsr-3297	89	4	{	{	PUNCT
fsr-3297	89	5	ssbown	ssbown	PROPN
fsr-3297	89	6	;	;	PUNCT
fsr-3297	89	7	.5(ssbspouse2	.5(ssbspouse2	PUNCT
fsr-3297	89	8	)	)	PUNCT
fsr-3297	89	9	}	}	PUNCT
fsr-3297	89	10	for	for	ADP
fsr-3297	89	11	example	example	NOUN
fsr-3297	89	12	,	,	PUNCT
fsr-3297	89	13	a	a	DET
fsr-3297	89	14	spouse	spouse	NOUN
fsr-3297	89	15	receives	receive	VERB
fsr-3297	89	16	one	one	NUM
fsr-3297	89	17	-	-	PUNCT
fsr-3297	89	18	half	half	NOUN
fsr-3297	89	19	of	of	ADP
fsr-3297	89	20	her	her	PRON
fsr-3297	89	21	spouse	spouse	NOUN
fsr-3297	89	22	’s	’s	PART
fsr-3297	89	23	full	full	ADJ
fsr-3297	89	24	retirement	retirement	NOUN
fsr-3297	89	25	benefit	benefit	NOUN
fsr-3297	89	26	unless	unless	SCONJ
fsr-3297	89	27	the	the	DET
fsr-3297	89	28	spouse	spouse	NOUN
fsr-3297	89	29	begins	begin	VERB
fsr-3297	89	30	collecting	collect	VERB
fsr-3297	89	31	benefits	benefit	NOUN
fsr-3297	89	32	before	before	ADP
fsr-3297	89	33	her	her	PRON
fsr-3297	89	34	fra	fra	NOUN
fsr-3297	89	35	.	.	PUNCT
fsr-3297	90	1	if	if	SCONJ
fsr-3297	90	2	the	the	DET
fsr-3297	90	3	spouse	spouse	NOUN
fsr-3297	90	4	begins	begin	VERB
fsr-3297	90	5	collecting	collect	VERB
fsr-3297	90	6	benefits	benefit	NOUN
fsr-3297	90	7	before	before	ADP
fsr-3297	90	8	her	her	PRON
fsr-3297	90	9	fra	fra	NOUN
fsr-3297	90	10	,	,	PUNCT
fsr-3297	90	11	the	the	DET
fsr-3297	90	12	amount	amount	NOUN
fsr-3297	90	13	of	of	ADP
fsr-3297	90	14	the	the	DET
fsr-3297	90	15	spouse	spouse	NOUN
fsr-3297	90	16	’s	’s	PART
fsr-3297	90	17	benefit	benefit	NOUN
fsr-3297	90	18	is	be	AUX
fsr-3297	90	19	reduced	reduce	VERB
fsr-3297	90	20	by	by	ADP
fsr-3297	90	21	a	a	DET
fsr-3297	90	22	percentage	percentage	NOUN
fsr-3297	90	23	base	base	NOUN
fsr-3297	90	24	on	on	ADP
fsr-3297	90	25	the	the	DET
fsr-3297	90	26	number	number	NOUN
fsr-3297	90	27	of	of	ADP
fsr-3297	90	28	months	month	NOUN
fsr-3297	90	29	before	before	SCONJ
fsr-3297	90	30	she	she	PRON
fsr-3297	90	31	reaches	reach	VERB
fsr-3297	90	32	fra.2	fra.2	PROPN
fsr-3297	90	33	for	for	ADP
fsr-3297	90	34	example	example	NOUN
fsr-3297	90	35	,	,	PUNCT
fsr-3297	90	36	based	base	VERB
fsr-3297	90	37	on	on	ADP
fsr-3297	90	38	the	the	DET
fsr-3297	90	39	fra	fra	NOUN
fsr-3297	90	40	of	of	ADP
fsr-3297	90	41	66	66	NUM
fsr-3297	90	42	,	,	PUNCT
fsr-3297	90	43	if	if	SCONJ
fsr-3297	90	44	the	the	DET
fsr-3297	90	45	spouse	spouse	NOUN
fsr-3297	90	46	begins	begin	VERB
fsr-3297	90	47	collecting	collect	VERB
fsr-3297	90	48	benefits	benefit	NOUN
fsr-3297	90	49	:	:	PUNCT
fsr-3297	90	50	at	at	ADP
fsr-3297	90	51	age	age	NOUN
fsr-3297	90	52	65	65	NUM
fsr-3297	90	53	,	,	PUNCT
fsr-3297	90	54	the	the	DET
fsr-3297	90	55	benefit	benefit	NOUN
fsr-3297	90	56	amount	amount	NOUN
fsr-3297	90	57	would	would	AUX
fsr-3297	90	58	be	be	AUX
fsr-3297	90	59	about	about	ADV
fsr-3297	90	60	45.8	45.8	NUM
fsr-3297	90	61	%	%	NOUN
fsr-3297	90	62	of	of	ADP
fsr-3297	90	63	the	the	DET
fsr-3297	90	64	retired	retire	VERB
fsr-3297	90	65	worker	worker	NOUN
fsr-3297	90	66	’s	’s	PART
fsr-3297	90	67	(	(	PUNCT
fsr-3297	90	68	spouse	spouse	NOUN
fsr-3297	90	69	’s	’s	PART
fsr-3297	90	70	)	)	PUNCT
fsr-3297	90	71	full	full	ADJ
fsr-3297	90	72	benefit	benefit	NOUN
fsr-3297	90	73	;	;	PUNCT
fsr-3297	90	74	at	at	ADP
fsr-3297	90	75	age	age	NOUN
fsr-3297	90	76	64	64	NUM
fsr-3297	90	77	,	,	PUNCT
fsr-3297	90	78	it	it	PRON
fsr-3297	90	79	would	would	AUX
fsr-3297	90	80	be	be	AUX
fsr-3297	90	81	about	about	ADV
fsr-3297	90	82	41.7	41.7	NUM
fsr-3297	90	83	%	%	NOUN
fsr-3297	90	84	;	;	PUNCT
fsr-3297	90	85	at	at	ADP
fsr-3297	90	86	age	age	NOUN
fsr-3297	90	87	63	63	NUM
fsr-3297	90	88	,	,	PUNCT
fsr-3297	90	89	37.5	37.5	NUM
fsr-3297	90	90	%	%	NOUN
fsr-3297	90	91	;	;	PUNCT
fsr-3297	90	92	and	and	CCONJ
fsr-3297	90	93	at	at	ADP
fsr-3297	90	94	age	age	NOUN
fsr-3297	90	95	62	62	NUM
fsr-3297	90	96	,	,	PUNCT
fsr-3297	90	97	35	35	NUM
fsr-3297	90	98	%	%	NOUN
fsr-3297	90	99	.	.	PUNCT
fsr-3297	91	1	if	if	SCONJ
fsr-3297	91	2	the	the	DET
fsr-3297	91	3	spouse	spouse	NOUN
fsr-3297	91	4	’s	’s	PART
fsr-3297	91	5	fra	fra	NOUN
fsr-3297	91	6	is	be	AUX
fsr-3297	91	7	greater	great	ADJ
fsr-3297	91	8	than	than	ADP
fsr-3297	91	9	66	66	NUM
fsr-3297	91	10	,	,	PUNCT
fsr-3297	91	11	spousal	spousal	NOUN
fsr-3297	91	12	benefits	benefit	NOUN
fsr-3297	91	13	are	be	AUX
fsr-3297	91	14	further	far	ADV
fsr-3297	91	15	reduced	reduce	VERB
fsr-3297	91	16	for	for	ADP
fsr-3297	91	17	early	early	ADJ
fsr-3297	91	18	retirement	retirement	NOUN
fsr-3297	91	19	.	.	PUNCT
fsr-3297	92	1	for	for	ADP
fsr-3297	92	2	example	example	NOUN
fsr-3297	92	3	,	,	PUNCT
fsr-3297	92	4	assume	assume	VERB
fsr-3297	92	5	dean	dean	PROPN
fsr-3297	92	6	is	be	AUX
fsr-3297	92	7	66	66	NUM
fsr-3297	92	8	and	and	CCONJ
fsr-3297	92	9	dorothy	dorothy	PROPN
fsr-3297	92	10	is	be	AUX
fsr-3297	92	11	62	62	NUM
fsr-3297	92	12	,	,	PUNCT
fsr-3297	92	13	both	both	CCONJ
fsr-3297	92	14	with	with	ADP
fsr-3297	92	15	a	a	DET
fsr-3297	92	16	fra	fra	NOUN
fsr-3297	92	17	of	of	ADP
fsr-3297	92	18	66	66	NUM
fsr-3297	92	19	.	.	PUNCT
fsr-3297	93	1	dean	dean	PROPN
fsr-3297	93	2	retires	retire	VERB
fsr-3297	93	3	at	at	ADP
fsr-3297	93	4	66	66	NUM
fsr-3297	93	5	with	with	ADP
fsr-3297	93	6	ssb	ssb	PROPN
fsr-3297	93	7	at	at	ADP
fsr-3297	93	8	fra	fra	NOUN
fsr-3297	93	9	of	of	ADP
fsr-3297	93	10	$	$	SYM
fsr-3297	93	11	2,000	2,000	NUM
fsr-3297	93	12	per	per	ADP
fsr-3297	93	13	month	month	NOUN
fsr-3297	93	14	.	.	PUNCT
fsr-3297	94	1	dorothy	dorothy	PROPN
fsr-3297	94	2	retires	retire	VERB
fsr-3297	94	3	early	early	ADV
fsr-3297	94	4	at	at	ADP
fsr-3297	94	5	62	62	NUM
fsr-3297	94	6	and	and	CCONJ
fsr-3297	94	7	receives	receive	VERB
fsr-3297	94	8	35	35	NUM
fsr-3297	94	9	%	%	NOUN
fsr-3297	94	10	of	of	ADP
fsr-3297	94	11	$	$	SYM
fsr-3297	94	12	2,000	2,000	NUM
fsr-3297	94	13	or	or	CCONJ
fsr-3297	94	14	$	$	SYM
fsr-3297	94	15	700	700	NUM
fsr-3297	94	16	per	per	ADP
fsr-3297	94	17	month	month	NOUN
fsr-3297	94	18	in	in	ADP
fsr-3297	94	19	spousal	spousal	NOUN
fsr-3297	94	20	ssbs	ssbs	PROPN
fsr-3297	94	21	.	.	PUNCT
fsr-3297	95	1	if	if	SCONJ
fsr-3297	95	2	dorothy	dorothy	PROPN
fsr-3297	95	3	waits	wait	VERB
fsr-3297	95	4	and	and	CCONJ
fsr-3297	95	5	retires	retire	VERB
fsr-3297	95	6	at	at	ADP
fsr-3297	95	7	her	her	PRON
fsr-3297	95	8	fra	fra	NOUN
fsr-3297	95	9	of	of	ADP
fsr-3297	95	10	66	66	NUM
fsr-3297	95	11	she	she	PRON
fsr-3297	95	12	receives	receive	VERB
fsr-3297	95	13	50	50	NUM
fsr-3297	95	14	%	%	NOUN
fsr-3297	95	15	of	of	ADP
fsr-3297	95	16	$	$	SYM
fsr-3297	95	17	2,000	2,000	NUM
fsr-3297	95	18	or	or	CCONJ
fsr-3297	95	19	$	$	SYM
fsr-3297	95	20	1,000	1,000	NUM
fsr-3297	95	21	in	in	ADP
fsr-3297	95	22	spousal	spousal	NOUN
fsr-3297	95	23	ssbs	ssbs	PROPN
fsr-3297	95	24	.	.	PUNCT
fsr-3297	96	1	90	90	NUM
fsr-3297	96	2	d.s	d.s	PROPN
fsr-3297	96	3	.	.	PROPN
fsr-3297	96	4	docking	docking	NOUN
fsr-3297	96	5	et	et	PROPN
fsr-3297	96	6	al	al	PROPN
fsr-3297	96	7	.	.	PUNCT
fsr-3297	96	8	/	/	SYM
fsr-3297	96	9	financial	financial	ADJ
fsr-3297	96	10	services	service	NOUN
fsr-3297	96	11	review	review	VERB
fsr-3297	96	12	26	26	NUM
fsr-3297	96	13	(	(	PUNCT
fsr-3297	96	14	2017	2017	NUM
fsr-3297	96	15	)	)	PUNCT
fsr-3297	97	1	87–111	87–111	PROPN
fsr-3297	97	2	once	once	SCONJ
fsr-3297	97	3	one	one	PRON
fsr-3297	97	4	begins	begin	VERB
fsr-3297	97	5	ssbs	ssbs	NOUN
fsr-3297	97	6	based	base	VERB
fsr-3297	97	7	on	on	ADP
fsr-3297	97	8	his	his	PRON
fsr-3297	97	9	or	or	CCONJ
fsr-3297	97	10	her	her	PRON
fsr-3297	97	11	own	own	ADJ
fsr-3297	97	12	work	work	NOUN
fsr-3297	97	13	record	record	NOUN
fsr-3297	97	14	they	they	PRON
fsr-3297	97	15	can	can	AUX
fsr-3297	97	16	not	not	PART
fsr-3297	97	17	later	later	ADV
fsr-3297	97	18	switch	switch	VERB
fsr-3297	97	19	to	to	PART
fsr-3297	97	20	ssbs	ssbs	VERB
fsr-3297	97	21	based	base	VERB
fsr-3297	97	22	on	on	ADP
fsr-3297	97	23	the	the	DET
fsr-3297	97	24	spouse	spouse	NOUN
fsr-3297	97	25	’s	’s	PART
fsr-3297	97	26	record	record	NOUN
fsr-3297	97	27	.	.	PUNCT
fsr-3297	98	1	also	also	ADV
fsr-3297	98	2	,	,	PUNCT
fsr-3297	98	3	one	one	PRON
fsr-3297	98	4	can	can	AUX
fsr-3297	98	5	not	not	PART
fsr-3297	98	6	begin	begin	VERB
fsr-3297	98	7	ssbs	ssbs	NOUN
fsr-3297	98	8	based	base	VERB
fsr-3297	98	9	on	on	ADP
fsr-3297	98	10	the	the	DET
fsr-3297	98	11	spouse	spouse	NOUN
fsr-3297	98	12	’s	’s	PART
fsr-3297	98	13	record	record	NOUN
fsr-3297	98	14	and	and	CCONJ
fsr-3297	98	15	then	then	ADV
fsr-3297	98	16	later	later	ADV
fsr-3297	98	17	switch	switch	VERB
fsr-3297	98	18	to	to	PART
fsr-3297	98	19	ssbs	ssbs	VERB
fsr-3297	98	20	based	base	VERB
fsr-3297	98	21	on	on	ADP
fsr-3297	98	22	his	his	PRON
fsr-3297	98	23	or	or	CCONJ
fsr-3297	98	24	her	her	PRON
fsr-3297	98	25	own	own	ADJ
fsr-3297	98	26	work	work	NOUN
fsr-3297	98	27	record	record	NOUN
fsr-3297	98	28	.	.	PUNCT
fsr-3297	99	1	however	however	ADV
fsr-3297	99	2	,	,	PUNCT
fsr-3297	99	3	there	there	PRON
fsr-3297	99	4	is	be	VERB
fsr-3297	99	5	an	an	DET
fsr-3297	99	6	exception	exception	NOUN
fsr-3297	99	7	:	:	PUNCT
fsr-3297	99	8	a	a	DET
fsr-3297	99	9	spouse	spouse	NOUN
fsr-3297	99	10	(	(	PUNCT
fsr-3297	99	11	spouse	spouse	NOUN
fsr-3297	99	12	)	)	PUNCT
fsr-3297	99	13	can	can	AUX
fsr-3297	99	14	retire	retire	VERB
fsr-3297	99	15	and	and	CCONJ
fsr-3297	99	16	begin	begin	VERB
fsr-3297	99	17	collecting	collect	VERB
fsr-3297	99	18	her	she	PRON
fsr-3297	99	19	(	(	PUNCT
fsr-3297	99	20	his	his	PRON
fsr-3297	99	21	)	)	PUNCT
fsr-3297	99	22	own	own	ADJ
fsr-3297	99	23	ssbs	ssbs	NOUN
fsr-3297	99	24	while	while	SCONJ
fsr-3297	99	25	her	she	PRON
fsr-3297	99	26	(	(	PUNCT
fsr-3297	99	27	his	his	PRON
fsr-3297	99	28	)	)	PUNCT
fsr-3297	99	29	spouse	spouse	NOUN
fsr-3297	99	30	(	(	PUNCT
fsr-3297	99	31	spouse	spouse	NOUN
fsr-3297	99	32	)	)	PUNCT
fsr-3297	99	33	still	still	ADV
fsr-3297	99	34	works	work	VERB
fsr-3297	99	35	and	and	CCONJ
fsr-3297	99	36	delays	delay	NOUN
fsr-3297	99	37	benefits	benefit	NOUN
fsr-3297	99	38	.	.	PUNCT
fsr-3297	100	1	upon	upon	SCONJ
fsr-3297	100	2	her	she	PRON
fsr-3297	100	3	(	(	PUNCT
fsr-3297	100	4	his	his	PRON
fsr-3297	100	5	)	)	PUNCT
fsr-3297	100	6	spouse	spouse	NOUN
fsr-3297	100	7	’s	’s	PART
fsr-3297	100	8	(	(	PUNCT
fsr-3297	100	9	spouse	spouse	NOUN
fsr-3297	100	10	’s	’s	PART
fsr-3297	100	11	)	)	PUNCT
fsr-3297	100	12	retirement	retirement	NOUN
fsr-3297	100	13	,	,	PUNCT
fsr-3297	100	14	she	she	PRON
fsr-3297	100	15	(	(	PUNCT
fsr-3297	100	16	he	he	PRON
fsr-3297	100	17	)	)	PUNCT
fsr-3297	100	18	can	can	AUX
fsr-3297	100	19	switch	switch	VERB
fsr-3297	100	20	over	over	ADP
fsr-3297	100	21	to	to	ADP
fsr-3297	100	22	50	50	NUM
fsr-3297	100	23	%	%	NOUN
fsr-3297	100	24	of	of	ADP
fsr-3297	100	25	his	his	PRON
fsr-3297	100	26	(	(	PUNCT
fsr-3297	100	27	her	her	PRON
fsr-3297	100	28	)	)	PUNCT
fsr-3297	100	29	benefits	benefit	NOUN
fsr-3297	100	30	,	,	PUNCT
fsr-3297	100	31	if	if	SCONJ
fsr-3297	100	32	spousal	spousal	NOUN
fsr-3297	100	33	benefits	benefit	NOUN
fsr-3297	100	34	are	be	AUX
fsr-3297	100	35	greater	great	ADJ
fsr-3297	100	36	than	than	ADP
fsr-3297	100	37	her	she	PRON
fsr-3297	100	38	(	(	PUNCT
fsr-3297	100	39	his	his	PRON
fsr-3297	100	40	)	)	PUNCT
fsr-3297	100	41	own	own	ADJ
fsr-3297	100	42	benefits	benefit	NOUN
fsr-3297	100	43	.	.	PUNCT
fsr-3297	101	1	spouse	spouse	NOUN
fsr-3297	101	2	’s	’s	PART
fsr-3297	101	3	benefits	benefit	NOUN
fsr-3297	101	4	do	do	AUX
fsr-3297	101	5	not	not	PART
fsr-3297	101	6	include	include	VERB
fsr-3297	101	7	any	any	DET
fsr-3297	101	8	accrued	accrue	VERB
fsr-3297	101	9	delayed	delay	VERB
fsr-3297	101	10	retirement	retirement	NOUN
fsr-3297	101	11	credits	credit	NOUN
fsr-3297	101	12	.	.	PUNCT
fsr-3297	102	1	for	for	ADP
fsr-3297	102	2	example	example	NOUN
fsr-3297	102	3	,	,	PUNCT
fsr-3297	102	4	assume	assume	VERB
fsr-3297	102	5	richard	richard	PROPN
fsr-3297	102	6	and	and	CCONJ
fsr-3297	102	7	jane	jane	PROPN
fsr-3297	102	8	,	,	PUNCT
fsr-3297	102	9	are	be	AUX
fsr-3297	102	10	both	both	PRON
fsr-3297	102	11	62	62	NUM
fsr-3297	102	12	with	with	ADP
fsr-3297	102	13	a	a	DET
fsr-3297	102	14	fra	fra	NOUN
fsr-3297	102	15	of	of	ADP
fsr-3297	102	16	66	66	NUM
fsr-3297	102	17	.	.	PUNCT
fsr-3297	103	1	currently	currently	ADV
fsr-3297	103	2	,	,	PUNCT
fsr-3297	103	3	richard	richard	PROPN
fsr-3297	103	4	’s	’s	PART
fsr-3297	103	5	ssbs	ssbs	PROPN
fsr-3297	103	6	at	at	ADP
fsr-3297	103	7	fra	fra	NOUN
fsr-3297	103	8	are	be	AUX
fsr-3297	103	9	$	$	SYM
fsr-3297	103	10	2,000	2,000	NUM
fsr-3297	103	11	per	per	ADP
fsr-3297	103	12	month	month	NOUN
fsr-3297	103	13	and	and	CCONJ
fsr-3297	103	14	jane	jane	PROPN
fsr-3297	103	15	’s	’s	PART
fsr-3297	103	16	ssbs	ssbs	NOUN
fsr-3297	103	17	at	at	ADP
fsr-3297	103	18	fra	fra	NOUN
fsr-3297	103	19	are	be	AUX
fsr-3297	103	20	$	$	SYM
fsr-3297	103	21	1,000	1,000	NUM
fsr-3297	103	22	.	.	PUNCT
fsr-3297	104	1	jane	jane	NOUN
fsr-3297	104	2	retires	retire	VERB
fsr-3297	104	3	at	at	ADP
fsr-3297	104	4	62	62	NUM
fsr-3297	104	5	and	and	CCONJ
fsr-3297	104	6	receives	receive	VERB
fsr-3297	104	7	75	75	NUM
fsr-3297	104	8	%	%	NOUN
fsr-3297	104	9	of	of	ADP
fsr-3297	104	10	1,000	1,000	NUM
fsr-3297	104	11	or	or	CCONJ
fsr-3297	104	12	$	$	SYM
fsr-3297	104	13	750	750	NUM
fsr-3297	104	14	per	per	ADP
fsr-3297	104	15	month	month	NOUN
fsr-3297	104	16	.	.	PUNCT
fsr-3297	105	1	richard	richard	PROPN
fsr-3297	105	2	continues	continue	VERB
fsr-3297	105	3	to	to	PART
fsr-3297	105	4	work	work	VERB
fsr-3297	105	5	until	until	ADP
fsr-3297	105	6	age	age	NOUN
fsr-3297	105	7	66	66	NUM
fsr-3297	105	8	.	.	PUNCT
fsr-3297	106	1	his	his	PRON
fsr-3297	106	2	ssbs	ssbs	NOUN
fsr-3297	106	3	at	at	ADP
fsr-3297	106	4	fra	fra	NOUN
fsr-3297	106	5	are	be	AUX
fsr-3297	106	6	still	still	ADV
fsr-3297	106	7	$	$	SYM
fsr-3297	106	8	2,000	2,000	NUM
fsr-3297	106	9	per	per	ADP
fsr-3297	106	10	month	month	NOUN
fsr-3297	106	11	and	and	CCONJ
fsr-3297	106	12	he	he	PRON
fsr-3297	106	13	retires	retire	VERB
fsr-3297	106	14	at	at	ADP
fsr-3297	106	15	fra	fra	NOUN
fsr-3297	106	16	.	.	PUNCT
fsr-3297	107	1	assuming	assume	VERB
fsr-3297	107	2	no	no	DET
fsr-3297	107	3	cola	cola	NOUN
fsr-3297	107	4	for	for	ADP
fsr-3297	107	5	jane	jane	PROPN
fsr-3297	107	6	’s	’s	PART
fsr-3297	107	7	ssbs	ssbs	NOUN
fsr-3297	107	8	,	,	PUNCT
fsr-3297	107	9	she	she	PRON
fsr-3297	107	10	can	can	AUX
fsr-3297	107	11	now	now	ADV
fsr-3297	107	12	switch	switch	VERB
fsr-3297	107	13	over	over	ADP
fsr-3297	107	14	to	to	ADP
fsr-3297	107	15	spousal	spousal	NOUN
fsr-3297	107	16	benefits	benefit	NOUN
fsr-3297	107	17	of	of	ADP
fsr-3297	107	18	50	50	NUM
fsr-3297	107	19	%	%	NOUN
fsr-3297	107	20	�	�	PROPN
fsr-3297	107	21	$	$	SYM
fsr-3297	107	22	2,000	2,000	NUM
fsr-3297	107	23	�	�	NOUN
fsr-3297	107	24	$	$	SYM
fsr-3297	107	25	1,000	1,000	NUM
fsr-3297	107	26	per	per	ADP
fsr-3297	107	27	month	month	NOUN
fsr-3297	107	28	.	.	PUNCT
fsr-3297	108	1	4	4	X
fsr-3297	108	2	.	.	X
fsr-3297	108	3	model	model	NOUN
fsr-3297	108	4	similar	similar	ADJ
fsr-3297	108	5	to	to	ADP
fsr-3297	108	6	mccormack	mccormack	PROPN
fsr-3297	108	7	and	and	CCONJ
fsr-3297	108	8	perdue	perdue	PROPN
fsr-3297	108	9	(	(	PUNCT
fsr-3297	108	10	2006	2006	NUM
fsr-3297	108	11	)	)	PUNCT
fsr-3297	108	12	we	we	PRON
fsr-3297	108	13	avoid	avoid	VERB
fsr-3297	108	14	the	the	DET
fsr-3297	108	15	problem	problem	NOUN
fsr-3297	108	16	of	of	ADP
fsr-3297	108	17	an	an	DET
fsr-3297	108	18	uncertain	uncertain	ADJ
fsr-3297	108	19	discount	discount	NOUN
fsr-3297	108	20	rate	rate	NOUN
fsr-3297	108	21	(	(	PUNCT
fsr-3297	108	22	dr	dr	PROPN
fsr-3297	108	23	)	)	PUNCT
fsr-3297	108	24	by	by	ADP
fsr-3297	108	25	computing	compute	VERB
fsr-3297	108	26	the	the	DET
fsr-3297	108	27	internal	internal	ADJ
fsr-3297	108	28	rate	rate	NOUN
fsr-3297	108	29	of	of	ADP
fsr-3297	108	30	return	return	NOUN
fsr-3297	108	31	(	(	PUNCT
fsr-3297	108	32	irr	irr	PROPN
fsr-3297	108	33	)	)	PUNCT
fsr-3297	108	34	equating	equate	VERB
fsr-3297	108	35	two	two	NUM
fsr-3297	108	36	retirement	retirement	NOUN
fsr-3297	108	37	options	option	NOUN
fsr-3297	108	38	.	.	PUNCT
fsr-3297	109	1	following	follow	VERB
fsr-3297	109	2	docking	docking	NOUN
fsr-3297	109	3	,	,	PUNCT
fsr-3297	109	4	fortin	fortin	PROPN
fsr-3297	109	5	,	,	PUNCT
fsr-3297	109	6	and	and	CCONJ
fsr-3297	109	7	michelson	michelson	PROPN
fsr-3297	109	8	(	(	PUNCT
fsr-3297	109	9	2015	2015	NUM
fsr-3297	109	10	)	)	PUNCT
fsr-3297	109	11	,	,	PUNCT
fsr-3297	109	12	for	for	ADP
fsr-3297	109	13	married	married	ADJ
fsr-3297	109	14	couples	couple	NOUN
fsr-3297	109	15	of	of	ADP
fsr-3297	109	16	the	the	DET
fsr-3297	109	17	same	same	ADJ
fsr-3297	109	18	age	age	NOUN
fsr-3297	109	19	,	,	PUNCT
fsr-3297	109	20	the	the	DET
fsr-3297	109	21	irr	irr	NOUN
fsr-3297	109	22	can	can	AUX
fsr-3297	109	23	be	be	AUX
fsr-3297	109	24	solved	solve	VERB
fsr-3297	109	25	for	for	ADP
fsr-3297	109	26	by	by	ADP
fsr-3297	109	27	using	use	VERB
fsr-3297	109	28	the	the	DET
fsr-3297	109	29	following	follow	VERB
fsr-3297	109	30	equation	equation	NOUN
fsr-3297	109	31	:	:	PUNCT
fsr-3297	109	32	%	%	PROPN
fsr-3297	109	33	benefit_1	benefit_1	PROPN
fsr-3297	109	34	�	�	PROPN
fsr-3297	109	35	�	�	PROPN
fsr-3297	109	36	1	1	NUM
fsr-3297	110	1	i	i	NOUN
fsr-3297	110	2	�	�	PROPN
fsr-3297	110	3	1	1	NUM
fsr-3297	110	4	1	1	NUM
fsr-3297	110	5	�	�	PROPN
fsr-3297	110	6	irr	irr	NOUN
fsr-3297	110	7	12	12	NUM
fsr-3297	110	8	�	�	NOUN
fsr-3297	110	9	i	i	PRON
fsr-3297	110	10	�	�	PROPN
fsr-3297	110	11	%	%	NOUN
fsr-3297	110	12	benefit_2	benefit_2	PROPN
fsr-3297	110	13	�	�	PROPN
fsr-3297	110	14	�	�	PROPN
fsr-3297	110	15	1	1	NUM
fsr-3297	110	16	j	j	PROPN
fsr-3297	110	17	�	�	PROPN
fsr-3297	110	18	1	1	NUM
fsr-3297	110	19	1	1	NUM
fsr-3297	110	20	�	�	PROPN
fsr-3297	110	21	irr	irr	NOUN
fsr-3297	110	22	12	12	NUM
fsr-3297	110	23	�	�	PROPN
fsr-3297	110	24	j	j	PROPN
fsr-3297	110	25	�	�	PROPN
fsr-3297	110	26	%	%	PROPN
fsr-3297	110	27	benefit_3	benefit_3	PROPN
fsr-3297	110	28	�	�	PROPN
fsr-3297	110	29	�	�	PROPN
fsr-3297	110	30	1	1	NUM
fsr-3297	110	31	m	m	NOUN
fsr-3297	110	32	�	�	PROPN
fsr-3297	110	33	1	1	NUM
fsr-3297	110	34	1	1	NUM
fsr-3297	110	35	�	�	PROPN
fsr-3297	110	36	irr	irr	NOUN
fsr-3297	110	37	12	12	NUM
fsr-3297	110	38	�	�	PROPN
fsr-3297	110	39	m	m	NUM
fsr-3297	110	40	�	�	PROPN
fsr-3297	110	41	�	�	PROPN
fsr-3297	110	42	1	1	NUM
fsr-3297	110	43	1	1	NUM
fsr-3297	110	44	�	�	PROPN
fsr-3297	110	45	irr	irr	NOUN
fsr-3297	110	46	12	12	NUM
fsr-3297	110	47	�	�	PROPN
fsr-3297	110	48	n3	n3	PROPN
fsr-3297	110	49	�	�	PROPN
fsr-3297	110	50	n1	n1	PROPN
fsr-3297	110	51	�	�	PROPN
fsr-3297	110	52	%	%	NOUN
fsr-3297	110	53	benefit_4	benefit_4	PROPN
fsr-3297	110	54	�	�	PROPN
fsr-3297	110	55	�	�	PROPN
fsr-3297	110	56	1	1	NUM
fsr-3297	110	57	n	n	PRON
fsr-3297	110	58	�	�	PROPN
fsr-3297	110	59	1	1	NUM
fsr-3297	110	60	1	1	NUM
fsr-3297	110	61	�	�	PROPN
fsr-3297	110	62	irr	irr	NOUN
fsr-3297	110	63	12	12	NUM
fsr-3297	110	64	�	�	PROPN
fsr-3297	110	65	n	n	CCONJ
fsr-3297	110	66	�	�	PROPN
fsr-3297	110	67	�	�	PROPN
fsr-3297	110	68	1	1	NUM
fsr-3297	110	69	1	1	NUM
fsr-3297	110	70	�	�	PROPN
fsr-3297	110	71	irr	irr	NOUN
fsr-3297	110	72	12	12	NUM
fsr-3297	110	73	�	�	PROPN
fsr-3297	110	74	n4	n4	PROPN
fsr-3297	110	75	�	�	PROPN
fsr-3297	110	76	n2	n2	PROPN
fsr-3297	110	77	where	where	SCONJ
fsr-3297	110	78	:	:	PUNCT
fsr-3297	110	79	benefit_x	benefit_x	X
fsr-3297	110	80	�	�	PROPN
fsr-3297	110	81	percent	percent	NOUN
fsr-3297	110	82	of	of	ADP
fsr-3297	110	83	ssb	ssb	PROPN
fsr-3297	110	84	received	receive	VERB
fsr-3297	110	85	based	base	VERB
fsr-3297	110	86	on	on	ADP
fsr-3297	110	87	retirement	retirement	NOUN
fsr-3297	110	88	age	age	NOUN
fsr-3297	111	1	i	i	PRON
fsr-3297	111	2	�	�	PROPN
fsr-3297	111	3	1	1	NUM
fsr-3297	111	4	to	to	ADP
fsr-3297	111	5	months	month	NOUN
fsr-3297	111	6	to	to	ADP
fsr-3297	111	7	life	life	NOUN
fsr-3297	111	8	expectancy	expectancy	NOUN
fsr-3297	111	9	for	for	ADP
fsr-3297	111	10	retirement	retirement	NOUN
fsr-3297	111	11	age	age	NOUN
fsr-3297	111	12	1	1	NUM
fsr-3297	111	13	of	of	ADP
fsr-3297	111	14	spouse_1	spouse_1	NOUN
fsr-3297	111	15	(	(	PUNCT
fsr-3297	111	16	n1	n1	NOUN
fsr-3297	111	17	)	)	PUNCT
fsr-3297	111	18	j	j	PROPN
fsr-3297	111	19	�	�	PROPN
fsr-3297	111	20	1	1	NUM
fsr-3297	111	21	to	to	ADP
fsr-3297	111	22	months	month	NOUN
fsr-3297	111	23	to	to	ADP
fsr-3297	111	24	life	life	NOUN
fsr-3297	111	25	expectancy	expectancy	NOUN
fsr-3297	111	26	for	for	ADP
fsr-3297	111	27	retirement	retirement	NOUN
fsr-3297	111	28	age	age	NOUN
fsr-3297	111	29	1	1	NUM
fsr-3297	111	30	of	of	ADP
fsr-3297	111	31	spouse_2	spouse_2	PROPN
fsr-3297	111	32	(	(	PUNCT
fsr-3297	111	33	n2	n2	NOUN
fsr-3297	111	34	)	)	PUNCT
fsr-3297	111	35	m	m	VERB
fsr-3297	111	36	�	�	PROPN
fsr-3297	111	37	1	1	NUM
fsr-3297	111	38	to	to	ADP
fsr-3297	111	39	months	month	NOUN
fsr-3297	111	40	to	to	ADP
fsr-3297	111	41	life	life	NOUN
fsr-3297	111	42	expectancy	expectancy	NOUN
fsr-3297	111	43	for	for	ADP
fsr-3297	111	44	retirement	retirement	NOUN
fsr-3297	111	45	age	age	NOUN
fsr-3297	111	46	2	2	NUM
fsr-3297	111	47	of	of	ADP
fsr-3297	111	48	spouse_1	spouse_1	NOUN
fsr-3297	111	49	(	(	PUNCT
fsr-3297	111	50	n3	n3	NOUN
fsr-3297	111	51	)	)	PUNCT
fsr-3297	111	52	n	n	PRON
fsr-3297	111	53	�	�	PROPN
fsr-3297	111	54	1	1	NUM
fsr-3297	111	55	to	to	ADP
fsr-3297	111	56	months	month	NOUN
fsr-3297	111	57	to	to	ADP
fsr-3297	111	58	life	life	NOUN
fsr-3297	111	59	expectancy	expectancy	NOUN
fsr-3297	111	60	for	for	ADP
fsr-3297	111	61	retirement	retirement	NOUN
fsr-3297	111	62	age	age	NOUN
fsr-3297	111	63	2	2	NUM
fsr-3297	111	64	of	of	ADP
fsr-3297	111	65	spouse_2	spouse_2	PROPN
fsr-3297	111	66	(	(	PUNCT
fsr-3297	111	67	n4	n4	PROPN
fsr-3297	111	68	)	)	PUNCT
fsr-3297	111	69	91d.s	91d.s	NUM
fsr-3297	111	70	.	.	PUNCT
fsr-3297	112	1	docking	dock	VERB
fsr-3297	112	2	et	et	NOUN
fsr-3297	112	3	al	al	PROPN
fsr-3297	112	4	.	.	PUNCT
fsr-3297	112	5	/	/	SYM
fsr-3297	112	6	financial	financial	ADJ
fsr-3297	112	7	services	service	NOUN
fsr-3297	112	8	review	review	VERB
fsr-3297	112	9	26	26	NUM
fsr-3297	112	10	(	(	PUNCT
fsr-3297	112	11	2017	2017	NUM
fsr-3297	112	12	)	)	PUNCT
fsr-3297	112	13	87–111	87–111	PROPN
fsr-3297	112	14	n3	n3	NOUN
fsr-3297	112	15	–	–	PUNCT
fsr-3297	112	16	n1	n1	PROPN
fsr-3297	112	17	and	and	CCONJ
fsr-3297	112	18	n4	n4	PROPN
fsr-3297	112	19	–	–	PUNCT
fsr-3297	112	20	n2	n2	ADJ
fsr-3297	112	21	�	�	PROPN
fsr-3297	112	22	difference	difference	NOUN
fsr-3297	112	23	in	in	ADP
fsr-3297	112	24	months	month	NOUN
fsr-3297	112	25	between	between	ADP
fsr-3297	112	26	retirement	retirement	NOUN
fsr-3297	112	27	age	age	NOUN
fsr-3297	112	28	1	1	NUM
fsr-3297	112	29	and	and	CCONJ
fsr-3297	112	30	retirement	retirement	NOUN
fsr-3297	112	31	age	age	NOUN
fsr-3297	112	32	2	2	NUM
fsr-3297	112	33	,	,	PUNCT
fsr-3297	112	34	where	where	SCONJ
fsr-3297	112	35	retirement	retirement	NOUN
fsr-3297	112	36	age	age	NOUN
fsr-3297	112	37	2	2	NUM
fsr-3297	112	38	is	be	AUX
fsr-3297	112	39	greater	great	ADJ
fsr-3297	112	40	than	than	ADP
fsr-3297	112	41	retirement	retirement	NOUN
fsr-3297	112	42	age	age	NOUN
fsr-3297	112	43	1	1	NUM
fsr-3297	112	44	.	.	PUNCT
fsr-3297	113	1	the	the	DET
fsr-3297	113	2	two	two	NUM
fsr-3297	113	3	terms	term	NOUN
fsr-3297	113	4	on	on	ADP
fsr-3297	113	5	the	the	DET
fsr-3297	113	6	left	left	ADJ
fsr-3297	113	7	-	-	PUNCT
fsr-3297	113	8	hand	hand	NOUN
fsr-3297	113	9	side	side	NOUN
fsr-3297	113	10	of	of	ADP
fsr-3297	113	11	the	the	DET
fsr-3297	113	12	equation	equation	NOUN
fsr-3297	113	13	,	,	PUNCT
fsr-3297	113	14	%	%	ADP
fsr-3297	113	15	benefit_1	benefit_1	PROPN
fsr-3297	113	16	�	�	PROPN
fsr-3297	113	17	�	�	PROPN
fsr-3297	113	18	1	1	NUM
fsr-3297	113	19	i	i	NOUN
fsr-3297	113	20	�	�	PROPN
fsr-3297	113	21	1	1	NUM
fsr-3297	113	22	1	1	NUM
fsr-3297	113	23	�	�	PROPN
fsr-3297	113	24	irr	irr	NOUN
fsr-3297	113	25	12	12	NUM
fsr-3297	113	26	�	�	NOUN
fsr-3297	113	27	i	i	PRON
fsr-3297	113	28	and	and	CCONJ
fsr-3297	113	29	%	%	NOUN
fsr-3297	113	30	benefit_2	benefit_2	PROPN
fsr-3297	113	31	�	�	PROPN
fsr-3297	113	32	�	�	PROPN
fsr-3297	113	33	1	1	NUM
fsr-3297	113	34	j	j	PROPN
fsr-3297	113	35	�	�	PROPN
fsr-3297	113	36	1	1	NUM
fsr-3297	113	37	1	1	NUM
fsr-3297	113	38	�	�	PROPN
fsr-3297	113	39	irr	irr	NOUN
fsr-3297	113	40	12	12	NUM
fsr-3297	113	41	�	�	PROPN
fsr-3297	113	42	j	j	PROPN
fsr-3297	113	43	,	,	PUNCT
fsr-3297	113	44	represent	represent	VERB
fsr-3297	113	45	the	the	DET
fsr-3297	113	46	present	present	ADJ
fsr-3297	113	47	value	value	NOUN
fsr-3297	113	48	of	of	ADP
fsr-3297	113	49	initiating	initiate	VERB
fsr-3297	113	50	receipt	receipt	NOUN
fsr-3297	113	51	of	of	ADP
fsr-3297	113	52	benefits	benefit	NOUN
fsr-3297	113	53	at	at	ADP
fsr-3297	113	54	retirement	retirement	NOUN
fsr-3297	113	55	age	age	NOUN
fsr-3297	113	56	1	1	NUM
fsr-3297	113	57	.	.	PUNCT
fsr-3297	114	1	the	the	DET
fsr-3297	114	2	two	two	NUM
fsr-3297	114	3	terms	term	NOUN
fsr-3297	114	4	on	on	ADP
fsr-3297	114	5	the	the	DET
fsr-3297	114	6	right	right	ADJ
fsr-3297	114	7	-	-	PUNCT
fsr-3297	114	8	hand	hand	NOUN
fsr-3297	114	9	side	side	NOUN
fsr-3297	114	10	of	of	ADP
fsr-3297	114	11	the	the	DET
fsr-3297	114	12	equation	equation	NOUN
fsr-3297	114	13	,	,	PUNCT
fsr-3297	114	14	%	%	INTJ
fsr-3297	114	15	benefit_3	benefit_3	PROPN
fsr-3297	114	16	�	�	PROPN
fsr-3297	114	17	�	�	PROPN
fsr-3297	114	18	1	1	NUM
fsr-3297	114	19	m	m	NOUN
fsr-3297	114	20	�	�	PROPN
fsr-3297	114	21	1	1	NUM
fsr-3297	114	22	1	1	NUM
fsr-3297	114	23	�	�	PROPN
fsr-3297	114	24	irr	irr	NOUN
fsr-3297	114	25	12	12	NUM
fsr-3297	114	26	�	�	PROPN
fsr-3297	114	27	m	m	PROPN
fsr-3297	114	28	and	and	CCONJ
fsr-3297	114	29	%	%	INTJ
fsr-3297	114	30	benefit_4	benefit_4	PROPN
fsr-3297	114	31	�	�	PROPN
fsr-3297	114	32	�	�	PROPN
fsr-3297	114	33	1	1	NUM
fsr-3297	114	34	n	n	PRON
fsr-3297	114	35	�	�	PROPN
fsr-3297	114	36	1	1	NUM
fsr-3297	114	37	1	1	NUM
fsr-3297	114	38	�	�	PROPN
fsr-3297	114	39	irr	irr	NOUN
fsr-3297	114	40	12	12	NUM
fsr-3297	114	41	�	�	PROPN
fsr-3297	114	42	n	n	CCONJ
fsr-3297	114	43	,	,	PUNCT
fsr-3297	114	44	represent	represent	VERB
fsr-3297	114	45	the	the	DET
fsr-3297	114	46	present	present	ADJ
fsr-3297	114	47	value	value	NOUN
fsr-3297	114	48	of	of	ADP
fsr-3297	114	49	initiating	initiate	VERB
fsr-3297	114	50	receipt	receipt	NOUN
fsr-3297	114	51	of	of	ADP
fsr-3297	114	52	benefits	benefit	NOUN
fsr-3297	114	53	at	at	ADP
fsr-3297	114	54	retirement	retirement	NOUN
fsr-3297	114	55	age	age	NOUN
fsr-3297	114	56	2	2	NUM
fsr-3297	114	57	;	;	PUNCT
fsr-3297	114	58	the	the	DET
fsr-3297	114	59	two	two	NUM
fsr-3297	114	60	second	second	ADJ
fsr-3297	114	61	terms	term	NOUN
fsr-3297	114	62	on	on	ADP
fsr-3297	114	63	the	the	DET
fsr-3297	114	64	right	right	ADJ
fsr-3297	114	65	-	-	PUNCT
fsr-3297	114	66	hand	hand	NOUN
fsr-3297	114	67	side	side	NOUN
fsr-3297	114	68	,	,	PUNCT
fsr-3297	114	69	�	�	PROPN
fsr-3297	114	70	1	1	NUM
fsr-3297	114	71	1	1	NUM
fsr-3297	114	72	�	�	PROPN
fsr-3297	114	73	irr	irr	NOUN
fsr-3297	114	74	12	12	NUM
fsr-3297	114	75	�	�	PROPN
fsr-3297	114	76	n3	n3	PROPN
fsr-3297	114	77	�	�	PROPN
fsr-3297	114	78	n1	n1	PROPN
fsr-3297	114	79	and	and	CCONJ
fsr-3297	114	80	�	�	PROPN
fsr-3297	114	81	1	1	NUM
fsr-3297	114	82	1	1	NUM
fsr-3297	114	83	�	�	PROPN
fsr-3297	114	84	irr	irr	NOUN
fsr-3297	114	85	12	12	NUM
fsr-3297	114	86	�	�	PROPN
fsr-3297	114	87	n4	n4	PROPN
fsr-3297	114	88	�	�	PROPN
fsr-3297	114	89	n2	n2	PROPN
fsr-3297	114	90	discount	discount	NOUN
fsr-3297	114	91	the	the	DET
fsr-3297	114	92	present	present	ADJ
fsr-3297	114	93	value	value	NOUN
fsr-3297	114	94	of	of	ADP
fsr-3297	114	95	benefits	benefit	NOUN
fsr-3297	114	96	at	at	ADP
fsr-3297	114	97	retirement	retirement	NOUN
fsr-3297	114	98	age	age	NOUN
fsr-3297	114	99	2	2	NUM
fsr-3297	114	100	back	back	ADV
fsr-3297	114	101	to	to	ADP
fsr-3297	114	102	retirement	retirement	NOUN
fsr-3297	114	103	age	age	NOUN
fsr-3297	114	104	1	1	NUM
fsr-3297	114	105	so	so	SCONJ
fsr-3297	114	106	that	that	SCONJ
fsr-3297	114	107	the	the	DET
fsr-3297	114	108	irr	irr	NOUN
fsr-3297	114	109	can	can	AUX
fsr-3297	114	110	be	be	AUX
fsr-3297	114	111	computed	compute	VERB
fsr-3297	114	112	at	at	ADP
fsr-3297	114	113	the	the	DET
fsr-3297	114	114	same	same	ADJ
fsr-3297	114	115	point	point	NOUN
fsr-3297	114	116	in	in	ADP
fsr-3297	114	117	time	time	NOUN
fsr-3297	114	118	.	.	PUNCT
fsr-3297	115	1	for	for	ADP
fsr-3297	115	2	example	example	NOUN
fsr-3297	115	3	,	,	PUNCT
fsr-3297	115	4	if	if	SCONJ
fsr-3297	115	5	the	the	DET
fsr-3297	115	6	first	first	ADJ
fsr-3297	115	7	retirement	retirement	NOUN
fsr-3297	115	8	age	age	NOUN
fsr-3297	115	9	is	be	AUX
fsr-3297	115	10	62	62	NUM
fsr-3297	115	11	and	and	CCONJ
fsr-3297	115	12	the	the	DET
fsr-3297	115	13	second	second	ADJ
fsr-3297	115	14	retirement	retirement	NOUN
fsr-3297	115	15	age	age	NOUN
fsr-3297	115	16	is	be	AUX
fsr-3297	115	17	66	66	NUM
fsr-3297	115	18	,	,	PUNCT
fsr-3297	115	19	the	the	DET
fsr-3297	115	20	irr	irr	NOUN
fsr-3297	115	21	computation	computation	NOUN
fsr-3297	115	22	for	for	ADP
fsr-3297	115	23	the	the	DET
fsr-3297	115	24	age	age	NOUN
fsr-3297	115	25	66	66	NUM
fsr-3297	115	26	term	term	NOUN
fsr-3297	115	27	must	must	AUX
fsr-3297	115	28	be	be	AUX
fsr-3297	115	29	discounted	discount	VERB
fsr-3297	115	30	back	back	ADV
fsr-3297	115	31	to	to	ADP
fsr-3297	115	32	the	the	DET
fsr-3297	115	33	same	same	ADJ
fsr-3297	115	34	point	point	NOUN
fsr-3297	115	35	in	in	ADP
fsr-3297	115	36	time	time	NOUN
fsr-3297	115	37	as	as	ADP
fsr-3297	115	38	the	the	DET
fsr-3297	115	39	age	age	NOUN
fsr-3297	115	40	62	62	NUM
fsr-3297	115	41	term	term	NOUN
fsr-3297	115	42	.	.	PUNCT
fsr-3297	116	1	it	it	PRON
fsr-3297	116	2	should	should	AUX
fsr-3297	116	3	be	be	AUX
fsr-3297	116	4	noted	note	VERB
fsr-3297	116	5	that	that	SCONJ
fsr-3297	116	6	this	this	DET
fsr-3297	116	7	model	model	NOUN
fsr-3297	116	8	is	be	AUX
fsr-3297	116	9	appropriate	appropriate	ADJ
fsr-3297	116	10	only	only	ADV
fsr-3297	116	11	for	for	ADP
fsr-3297	116	12	same	same	ADJ
fsr-3297	116	13	aged	aged	ADJ
fsr-3297	116	14	couples	couple	NOUN
fsr-3297	116	15	retiring	retire	VERB
fsr-3297	116	16	at	at	ADP
fsr-3297	116	17	the	the	DET
fsr-3297	116	18	same	same	ADJ
fsr-3297	116	19	age	age	NOUN
fsr-3297	116	20	.	.	PUNCT
fsr-3297	117	1	when	when	SCONJ
fsr-3297	117	2	the	the	DET
fsr-3297	117	3	couples	couple	NOUN
fsr-3297	117	4	are	be	AUX
fsr-3297	117	5	different	different	ADJ
fsr-3297	117	6	ages	age	NOUN
fsr-3297	117	7	but	but	CCONJ
fsr-3297	117	8	still	still	ADV
fsr-3297	117	9	retire	retire	VERB
fsr-3297	117	10	at	at	ADP
fsr-3297	117	11	the	the	DET
fsr-3297	117	12	same	same	ADJ
fsr-3297	117	13	age	age	NOUN
fsr-3297	117	14	,	,	PUNCT
fsr-3297	117	15	an	an	DET
fsr-3297	117	16	additional	additional	ADJ
fsr-3297	117	17	discount	discount	NOUN
fsr-3297	117	18	factor	factor	NOUN
fsr-3297	117	19	�	�	PROPN
fsr-3297	117	20	1	1	NUM
fsr-3297	117	21	1	1	NUM
fsr-3297	117	22	�	�	PROPN
fsr-3297	117	23	irr	irr	NOUN
fsr-3297	117	24	12	12	NUM
fsr-3297	117	25	�	�	PROPN
fsr-3297	117	26	d	d	NOUN
fsr-3297	117	27	is	be	AUX
fsr-3297	117	28	required	require	VERB
fsr-3297	117	29	to	to	PART
fsr-3297	117	30	discount	discount	VERB
fsr-3297	117	31	all	all	DET
fsr-3297	117	32	expected	expect	VERB
fsr-3297	117	33	cash	cash	NOUN
fsr-3297	117	34	flows	flow	VERB
fsr-3297	117	35	back	back	ADV
fsr-3297	117	36	to	to	ADP
fsr-3297	117	37	the	the	DET
fsr-3297	117	38	initial	initial	ADJ
fsr-3297	117	39	start	start	NOUN
fsr-3297	117	40	of	of	ADP
fsr-3297	117	41	benefits	benefit	NOUN
fsr-3297	117	42	.	.	PUNCT
fsr-3297	118	1	the	the	DET
fsr-3297	118	2	model	model	NOUN
fsr-3297	118	3	now	now	ADV
fsr-3297	118	4	becomes	become	VERB
fsr-3297	118	5	:	:	PUNCT
fsr-3297	118	6	%	%	PROPN
fsr-3297	118	7	benefit_1	benefit_1	PROPN
fsr-3297	118	8	�	�	PROPN
fsr-3297	118	9	�	�	PROPN
fsr-3297	118	10	1	1	NUM
fsr-3297	119	1	i	i	NOUN
fsr-3297	119	2	�	�	PROPN
fsr-3297	119	3	1	1	NUM
fsr-3297	119	4	1	1	NUM
fsr-3297	119	5	�	�	PROPN
fsr-3297	119	6	irr	irr	NOUN
fsr-3297	119	7	12	12	NUM
fsr-3297	119	8	�	�	NOUN
fsr-3297	119	9	i	i	PRON
fsr-3297	119	10	�	�	PROPN
fsr-3297	119	11	%	%	NOUN
fsr-3297	119	12	benefit_2	benefit_2	PROPN
fsr-3297	119	13	�	�	PROPN
fsr-3297	119	14	�	�	PROPN
fsr-3297	119	15	1	1	NUM
fsr-3297	119	16	j	j	PROPN
fsr-3297	119	17	�	�	PROPN
fsr-3297	119	18	1	1	NUM
fsr-3297	119	19	1	1	NUM
fsr-3297	119	20	�	�	PROPN
fsr-3297	119	21	irr	irr	NOUN
fsr-3297	119	22	12	12	NUM
fsr-3297	119	23	�	�	PROPN
fsr-3297	119	24	j	j	PROPN
fsr-3297	119	25	�	�	PROPN
fsr-3297	119	26	�	�	PROPN
fsr-3297	119	27	1	1	NUM
fsr-3297	119	28	1	1	NUM
fsr-3297	119	29	�	�	PROPN
fsr-3297	119	30	irr	irr	NOUN
fsr-3297	119	31	12	12	NUM
fsr-3297	119	32	�	�	PROPN
fsr-3297	119	33	d	d	SYM
fsr-3297	119	34	�	�	PROPN
fsr-3297	119	35	%	%	PROPN
fsr-3297	119	36	benefit_3	benefit_3	PROPN
fsr-3297	119	37	�	�	PROPN
fsr-3297	119	38	�	�	PROPN
fsr-3297	119	39	1	1	NUM
fsr-3297	119	40	m	m	NOUN
fsr-3297	119	41	�	�	PROPN
fsr-3297	119	42	1	1	NUM
fsr-3297	119	43	1	1	NUM
fsr-3297	119	44	�	�	PROPN
fsr-3297	119	45	irr	irr	NOUN
fsr-3297	119	46	12	12	NUM
fsr-3297	119	47	�	�	PROPN
fsr-3297	119	48	m	m	NUM
fsr-3297	119	49	�	�	PROPN
fsr-3297	119	50	�	�	PROPN
fsr-3297	119	51	1	1	NUM
fsr-3297	119	52	1	1	NUM
fsr-3297	119	53	�	�	PROPN
fsr-3297	119	54	irr	irr	NOUN
fsr-3297	119	55	12	12	NUM
fsr-3297	119	56	�	�	PROPN
fsr-3297	119	57	n3	n3	PROPN
fsr-3297	119	58	�	�	PROPN
fsr-3297	119	59	n1	n1	PROPN
fsr-3297	119	60	�	�	PROPN
fsr-3297	119	61	%	%	NOUN
fsr-3297	119	62	benefit_4	benefit_4	PROPN
fsr-3297	119	63	�	�	PROPN
fsr-3297	119	64	�	�	PROPN
fsr-3297	119	65	1	1	NUM
fsr-3297	119	66	n	n	PRON
fsr-3297	119	67	�	�	PROPN
fsr-3297	119	68	1	1	NUM
fsr-3297	119	69	1	1	NUM
fsr-3297	119	70	�	�	PROPN
fsr-3297	119	71	irr	irr	NOUN
fsr-3297	119	72	12	12	NUM
fsr-3297	119	73	�	�	PROPN
fsr-3297	119	74	n	n	CCONJ
fsr-3297	119	75	�	�	PROPN
fsr-3297	119	76	�	�	PROPN
fsr-3297	119	77	1	1	NUM
fsr-3297	119	78	1	1	NUM
fsr-3297	119	79	�	�	PROPN
fsr-3297	119	80	irr	irr	NOUN
fsr-3297	119	81	12	12	NUM
fsr-3297	119	82	�	�	PROPN
fsr-3297	119	83	n4	n4	PROPN
fsr-3297	119	84	�	�	PROPN
fsr-3297	119	85	n2	n2	PROPN
fsr-3297	119	86	�	�	PROPN
fsr-3297	119	87	�	�	PROPN
fsr-3297	119	88	1	1	NUM
fsr-3297	119	89	1	1	NUM
fsr-3297	119	90	�	�	PROPN
fsr-3297	119	91	irr	irr	NOUN
fsr-3297	119	92	12	12	NUM
fsr-3297	119	93	�	�	PROPN
fsr-3297	119	94	d	d	ADP
fsr-3297	119	95	92	92	NUM
fsr-3297	119	96	d.s	d.s	PROPN
fsr-3297	119	97	.	.	PROPN
fsr-3297	119	98	docking	docking	NOUN
fsr-3297	119	99	et	et	PROPN
fsr-3297	119	100	al	al	PROPN
fsr-3297	119	101	.	.	PUNCT
fsr-3297	119	102	/	/	SYM
fsr-3297	119	103	financial	financial	ADJ
fsr-3297	119	104	services	service	NOUN
fsr-3297	119	105	review	review	VERB
fsr-3297	119	106	26	26	NUM
fsr-3297	119	107	(	(	PUNCT
fsr-3297	119	108	2017	2017	NUM
fsr-3297	119	109	)	)	PUNCT
fsr-3297	120	1	87–111	87–111	NUM
fsr-3297	120	2	where	where	SCONJ
fsr-3297	120	3	:	:	PUNCT
fsr-3297	120	4	d	d	X
fsr-3297	120	5	�	�	PROPN
fsr-3297	120	6	the	the	DET
fsr-3297	120	7	age	age	NOUN
fsr-3297	120	8	difference	difference	NOUN
fsr-3297	120	9	in	in	ADP
fsr-3297	120	10	months	month	NOUN
fsr-3297	120	11	between	between	ADP
fsr-3297	120	12	the	the	DET
fsr-3297	120	13	spouses	spouse	NOUN
fsr-3297	120	14	(	(	PUNCT
fsr-3297	120	15	agespouse_1	agespouse_1	PROPN
fsr-3297	120	16	–	–	PUNCT
fsr-3297	120	17	agespouse_2	agespouse_2	NOUN
fsr-3297	120	18	)	)	PUNCT
fsr-3297	120	19	and	and	CCONJ
fsr-3297	120	20	agespouse_1	agespouse_1	VERB
fsr-3297	120	21	�	�	PROPN
fsr-3297	120	22	agespouse_2	agespouse_2	PROPN
fsr-3297	120	23	.	.	PUNCT
fsr-3297	121	1	in	in	ADP
fsr-3297	121	2	addition	addition	NOUN
fsr-3297	121	3	,	,	PUNCT
fsr-3297	121	4	if	if	SCONJ
fsr-3297	121	5	the	the	DET
fsr-3297	121	6	couples	couple	NOUN
fsr-3297	121	7	are	be	AUX
fsr-3297	121	8	different	different	ADJ
fsr-3297	121	9	ages	age	NOUN
fsr-3297	121	10	and	and	CCONJ
fsr-3297	121	11	retire	retire	VERB
fsr-3297	121	12	at	at	ADP
fsr-3297	121	13	different	different	ADJ
fsr-3297	121	14	ages	age	NOUN
fsr-3297	121	15	,	,	PUNCT
fsr-3297	121	16	additional	additional	ADJ
fsr-3297	121	17	discounting	discount	VERB
fsr-3297	121	18	complications	complication	NOUN
fsr-3297	121	19	are	be	AUX
fsr-3297	121	20	introduced	introduce	VERB
fsr-3297	121	21	.	.	PUNCT
fsr-3297	122	1	the	the	DET
fsr-3297	122	2	model	model	NOUN
fsr-3297	122	3	now	now	ADV
fsr-3297	122	4	becomes	become	VERB
fsr-3297	122	5	:	:	PUNCT
fsr-3297	122	6	%	%	PROPN
fsr-3297	122	7	benefit_1	benefit_1	PROPN
fsr-3297	122	8	�	�	PROPN
fsr-3297	122	9	�	�	PROPN
fsr-3297	122	10	1	1	NUM
fsr-3297	123	1	i	i	NOUN
fsr-3297	123	2	�	�	PROPN
fsr-3297	123	3	1	1	NUM
fsr-3297	123	4	1	1	NUM
fsr-3297	123	5	�	�	PROPN
fsr-3297	123	6	irr	irr	NOUN
fsr-3297	123	7	12	12	NUM
fsr-3297	123	8	�	�	NOUN
fsr-3297	123	9	i	i	PRON
fsr-3297	123	10	�	�	PROPN
fsr-3297	123	11	%	%	NOUN
fsr-3297	123	12	benefit_2	benefit_2	PROPN
fsr-3297	123	13	�	�	PROPN
fsr-3297	123	14	�	�	PROPN
fsr-3297	123	15	1	1	NUM
fsr-3297	123	16	j	j	PROPN
fsr-3297	123	17	�	�	PROPN
fsr-3297	123	18	1	1	NUM
fsr-3297	123	19	1	1	NUM
fsr-3297	123	20	�	�	PROPN
fsr-3297	123	21	irr	irr	NOUN
fsr-3297	123	22	12	12	NUM
fsr-3297	123	23	�	�	PROPN
fsr-3297	123	24	j	j	PROPN
fsr-3297	123	25	�	�	PROPN
fsr-3297	123	26	�	�	PROPN
fsr-3297	123	27	1	1	NUM
fsr-3297	123	28	1	1	NUM
fsr-3297	123	29	�	�	PROPN
fsr-3297	123	30	irr	irr	NOUN
fsr-3297	123	31	12	12	NUM
fsr-3297	123	32	�	�	PROPN
fsr-3297	123	33	d	d	PROPN
fsr-3297	123	34	�	�	PROPN
fsr-3297	123	35	�	�	PROPN
fsr-3297	123	36	n	n	CCONJ
fsr-3297	123	37	�	�	PROPN
fsr-3297	123	38	n2	n2	ADJ
fsr-3297	123	39	�	�	PROPN
fsr-3297	123	40	�	�	PROPN
fsr-3297	123	41	%	%	PROPN
fsr-3297	123	42	benefit_3	benefit_3	PROPN
fsr-3297	123	43	�	�	PROPN
fsr-3297	123	44	�	�	PROPN
fsr-3297	123	45	1	1	NUM
fsr-3297	123	46	m	m	NOUN
fsr-3297	123	47	�	�	PROPN
fsr-3297	123	48	1	1	NUM
fsr-3297	123	49	1	1	NUM
fsr-3297	123	50	�	�	PROPN
fsr-3297	123	51	irr	irr	NOUN
fsr-3297	123	52	12	12	NUM
fsr-3297	123	53	�	�	PROPN
fsr-3297	123	54	m	m	NUM
fsr-3297	123	55	�	�	PROPN
fsr-3297	123	56	�	�	PROPN
fsr-3297	123	57	1	1	NUM
fsr-3297	123	58	1	1	NUM
fsr-3297	123	59	�	�	PROPN
fsr-3297	123	60	irr	irr	NOUN
fsr-3297	123	61	12	12	NUM
fsr-3297	123	62	�	�	PROPN
fsr-3297	123	63	n3	n3	PROPN
fsr-3297	123	64	�	�	PROPN
fsr-3297	123	65	n1	n1	PROPN
fsr-3297	123	66	�	�	PROPN
fsr-3297	123	67	%	%	NOUN
fsr-3297	123	68	benefit_4	benefit_4	PROPN
fsr-3297	123	69	�	�	PROPN
fsr-3297	123	70	�	�	PROPN
fsr-3297	123	71	1	1	NUM
fsr-3297	123	72	n	n	PRON
fsr-3297	123	73	�	�	PROPN
fsr-3297	123	74	1	1	NUM
fsr-3297	123	75	1	1	NUM
fsr-3297	123	76	�	�	PROPN
fsr-3297	123	77	irr	irr	NOUN
fsr-3297	123	78	12	12	NUM
fsr-3297	123	79	�	�	PROPN
fsr-3297	123	80	n	n	CCONJ
fsr-3297	123	81	�	�	PROPN
fsr-3297	123	82	�	�	PROPN
fsr-3297	123	83	1	1	NUM
fsr-3297	123	84	1	1	NUM
fsr-3297	123	85	�	�	PROPN
fsr-3297	123	86	irr	irr	NOUN
fsr-3297	123	87	12	12	NUM
fsr-3297	123	88	�	�	PROPN
fsr-3297	123	89	n4	n4	PROPN
fsr-3297	123	90	�	�	PROPN
fsr-3297	123	91	n2	n2	PROPN
fsr-3297	123	92	�	�	PROPN
fsr-3297	123	93	�	�	PROPN
fsr-3297	123	94	1	1	NUM
fsr-3297	123	95	1	1	NUM
fsr-3297	123	96	�	�	PROPN
fsr-3297	123	97	irr	irr	NOUN
fsr-3297	123	98	12	12	NUM
fsr-3297	123	99	�	�	PROPN
fsr-3297	123	100	dd	dd	PROPN
fsr-3297	123	101	�	�	PROPN
fsr-3297	123	102	�	�	PROPN
fsr-3297	123	103	n3	n3	PROPN
fsr-3297	123	104	�	�	PROPN
fsr-3297	123	105	n4	n4	PROPN
fsr-3297	123	106	�	�	PROPN
fsr-3297	123	107	in	in	ADP
fsr-3297	123	108	our	our	PRON
fsr-3297	123	109	2015	2015	NUM
fsr-3297	123	110	study	study	NOUN
fsr-3297	123	111	,	,	PUNCT
fsr-3297	123	112	we	we	PRON
fsr-3297	123	113	assumed	assume	VERB
fsr-3297	123	114	spouse_1	spouse_1	NOUN
fsr-3297	123	115	was	be	AUX
fsr-3297	123	116	the	the	DET
fsr-3297	123	117	male	male	NOUN
fsr-3297	123	118	/	/	SYM
fsr-3297	123	119	spouse	spouse	NOUN
fsr-3297	123	120	and	and	CCONJ
fsr-3297	123	121	spouse_2	spouse_2	NOUN
fsr-3297	123	122	was	be	AUX
fsr-3297	123	123	the	the	DET
fsr-3297	123	124	female	female	NOUN
fsr-3297	123	125	/	/	SYM
fsr-3297	123	126	spouse	spouse	NOUN
fsr-3297	123	127	and	and	CCONJ
fsr-3297	123	128	spouse_1	spouse_1	VERB
fsr-3297	123	129	male	male	NOUN
fsr-3297	123	130	was	be	AUX
fsr-3297	123	131	older	old	ADJ
fsr-3297	123	132	than	than	ADP
fsr-3297	123	133	spouse	spouse	NOUN
fsr-3297	123	134	2_female	2_female	NUM
fsr-3297	123	135	.	.	PROPN
fsr-3297	123	136	4.1	4.1	NUM
fsr-3297	123	137	.	.	PUNCT
fsr-3297	124	1	assumptions	assumption	NOUN
fsr-3297	124	2	in	in	ADP
fsr-3297	124	3	the	the	DET
fsr-3297	124	4	model	model	NOUN
fsr-3297	124	5	like	like	ADP
fsr-3297	124	6	our	our	PRON
fsr-3297	124	7	2015	2015	NUM
fsr-3297	124	8	study	study	NOUN
fsr-3297	124	9	,	,	PUNCT
fsr-3297	124	10	the	the	DET
fsr-3297	124	11	following	follow	VERB
fsr-3297	124	12	assumptions	assumption	NOUN
fsr-3297	124	13	are	be	AUX
fsr-3297	124	14	made	make	VERB
fsr-3297	124	15	:	:	PUNCT
fsr-3297	124	16	1	1	X
fsr-3297	124	17	.	.	X
fsr-3297	124	18	ssb	ssb	PROPN
fsr-3297	124	19	are	be	AUX
fsr-3297	124	20	received	receive	VERB
fsr-3297	124	21	monthly	monthly	ADV
fsr-3297	124	22	.	.	PUNCT
fsr-3297	125	1	2	2	X
fsr-3297	125	2	.	.	X
fsr-3297	125	3	the	the	DET
fsr-3297	125	4	retirement	retirement	NOUN
fsr-3297	125	5	decision	decision	NOUN
fsr-3297	125	6	is	be	AUX
fsr-3297	125	7	made	make	VERB
fsr-3297	125	8	annually	annually	ADV
fsr-3297	125	9	because	because	SCONJ
fsr-3297	125	10	life	life	NOUN
fsr-3297	125	11	expectancy	expectancy	NOUN
fsr-3297	125	12	tables	table	NOUN
fsr-3297	125	13	only	only	ADV
fsr-3297	125	14	provide	provide	VERB
fsr-3297	125	15	annual	annual	ADJ
fsr-3297	125	16	data	datum	NOUN
fsr-3297	125	17	.	.	PUNCT
fsr-3297	126	1	3	3	X
fsr-3297	126	2	.	.	X
fsr-3297	126	3	the	the	DET
fsr-3297	126	4	2006	2006	NUM
fsr-3297	126	5	united	united	PROPN
fsr-3297	126	6	states	states	PROPN
fsr-3297	126	7	life	life	NOUN
fsr-3297	126	8	tables	table	NOUN
fsr-3297	126	9	and	and	CCONJ
fsr-3297	126	10	the	the	DET
fsr-3297	126	11	2010	2010	NUM
fsr-3297	126	12	national	national	ADJ
fsr-3297	126	13	center	center	NOUN
fsr-3297	126	14	for	for	ADP
fsr-3297	126	15	health	health	NOUN
fsr-3297	126	16	statistics	statistic	NOUN
fsr-3297	126	17	provide	provide	VERB
fsr-3297	126	18	life	life	NOUN
fsr-3297	126	19	expectancies.3	expectancies.3	ADJ
fsr-3297	126	20	life	life	NOUN
fsr-3297	126	21	expectancy	expectancy	NOUN
fsr-3297	126	22	is	be	AUX
fsr-3297	126	23	adjusted	adjust	VERB
fsr-3297	126	24	for	for	ADP
fsr-3297	126	25	when	when	SCONJ
fsr-3297	126	26	a	a	DET
fsr-3297	126	27	worker	worker	NOUN
fsr-3297	126	28	retires	retire	VERB
fsr-3297	126	29	.	.	PUNCT
fsr-3297	127	1	for	for	ADP
fsr-3297	127	2	example	example	NOUN
fsr-3297	127	3	,	,	PUNCT
fsr-3297	127	4	a	a	DET
fsr-3297	127	5	white	white	ADJ
fsr-3297	127	6	male	male	NOUN
fsr-3297	127	7	who	who	PRON
fsr-3297	127	8	retires	retire	VERB
fsr-3297	127	9	at	at	ADP
fsr-3297	127	10	age	age	NOUN
fsr-3297	127	11	62	62	NUM
fsr-3297	127	12	is	be	AUX
fsr-3297	127	13	expected	expect	VERB
fsr-3297	127	14	to	to	PART
fsr-3297	127	15	live	live	VERB
fsr-3297	127	16	approximately	approximately	ADV
fsr-3297	127	17	19	19	NUM
fsr-3297	127	18	more	more	ADJ
fsr-3297	127	19	years	year	NOUN
fsr-3297	127	20	to	to	PART
fsr-3297	127	21	age	age	NOUN
fsr-3297	127	22	81	81	NUM
fsr-3297	127	23	;	;	PUNCT
fsr-3297	127	24	whereas	whereas	SCONJ
fsr-3297	127	25	if	if	SCONJ
fsr-3297	127	26	he	he	PRON
fsr-3297	127	27	waits	wait	VERB
fsr-3297	127	28	and	and	CCONJ
fsr-3297	127	29	retires	retire	VERB
fsr-3297	127	30	at	at	ADP
fsr-3297	127	31	age	age	NOUN
fsr-3297	127	32	66	66	NUM
fsr-3297	127	33	he	he	PRON
fsr-3297	127	34	is	be	AUX
fsr-3297	127	35	expected	expect	VERB
fsr-3297	127	36	to	to	PART
fsr-3297	127	37	live	live	VERB
fsr-3297	127	38	approximately	approximately	ADV
fsr-3297	127	39	16	16	NUM
fsr-3297	127	40	more	more	ADJ
fsr-3297	127	41	years	year	NOUN
fsr-3297	127	42	to	to	PART
fsr-3297	127	43	age	age	NOUN
fsr-3297	127	44	82	82	NUM
fsr-3297	127	45	.	.	PUNCT
fsr-3297	128	1	we	we	PRON
fsr-3297	128	2	look	look	VERB
fsr-3297	128	3	at	at	ADP
fsr-3297	128	4	life	life	NOUN
fsr-3297	128	5	expectancies	expectancy	NOUN
fsr-3297	128	6	based	base	VERB
fsr-3297	128	7	on	on	ADP
fsr-3297	128	8	gender	gender	NOUN
fsr-3297	128	9	and	and	CCONJ
fsr-3297	128	10	race	race	NOUN
fsr-3297	128	11	.	.	PUNCT
fsr-3297	129	1	4	4	X
fsr-3297	129	2	.	.	X
fsr-3297	129	3	we	we	PRON
fsr-3297	129	4	assume	assume	VERB
fsr-3297	129	5	excess	excess	ADJ
fsr-3297	129	6	earnings	earning	NOUN
fsr-3297	129	7	are	be	AUX
fsr-3297	129	8	$	$	SYM
fsr-3297	129	9	0	0	NUM
fsr-3297	129	10	and	and	CCONJ
fsr-3297	129	11	that	that	SCONJ
fsr-3297	129	12	early	early	ADJ
fsr-3297	129	13	retirement	retirement	NOUN
fsr-3297	129	14	ssb	ssb	PROPN
fsr-3297	129	15	are	be	AUX
fsr-3297	129	16	not	not	PART
fsr-3297	129	17	further	far	ADV
fsr-3297	129	18	reduced	reduce	VERB
fsr-3297	129	19	by	by	ADP
fsr-3297	129	20	the	the	DET
fsr-3297	129	21	earnings	earning	NOUN
fsr-3297	129	22	test	test	NOUN
fsr-3297	129	23	.	.	PUNCT
fsr-3297	130	1	5	5	X
fsr-3297	130	2	.	.	X
fsr-3297	130	3	if	if	SCONJ
fsr-3297	130	4	a	a	DET
fsr-3297	130	5	retiree	retiree	NOUN
fsr-3297	130	6	has	have	VERB
fsr-3297	130	7	substantial	substantial	ADJ
fsr-3297	130	8	income	income	NOUN
fsr-3297	130	9	(	(	PUNCT
fsr-3297	130	10	earned	earn	VERB
fsr-3297	130	11	and	and	CCONJ
fsr-3297	130	12	unearned	unearned	ADJ
fsr-3297	130	13	)	)	PUNCT
fsr-3297	130	14	in	in	ADP
fsr-3297	130	15	addition	addition	NOUN
fsr-3297	130	16	to	to	ADP
fsr-3297	130	17	his	his	PRON
fsr-3297	130	18	ssb	ssb	PROPN
fsr-3297	130	19	,	,	PUNCT
fsr-3297	130	20	up	up	ADP
fsr-3297	130	21	to	to	PART
fsr-3297	130	22	85	85	NUM
fsr-3297	130	23	%	%	NOUN
fsr-3297	130	24	of	of	ADP
fsr-3297	130	25	his	his	PRON
fsr-3297	130	26	annual	annual	ADJ
fsr-3297	130	27	benefits	benefit	NOUN
fsr-3297	130	28	may	may	AUX
fsr-3297	130	29	be	be	AUX
fsr-3297	130	30	subject	subject	ADJ
fsr-3297	130	31	to	to	ADP
fsr-3297	130	32	federal	federal	ADJ
fsr-3297	130	33	income	income	NOUN
fsr-3297	130	34	tax	tax	NOUN
fsr-3297	130	35	.	.	PUNCT
fsr-3297	131	1	in	in	ADP
fsr-3297	131	2	our	our	PRON
fsr-3297	131	3	analysis	analysis	NOUN
fsr-3297	131	4	we	we	PRON
fsr-3297	131	5	assume	assume	VERB
fsr-3297	131	6	other	other	ADJ
fsr-3297	131	7	income	income	NOUN
fsr-3297	131	8	is	be	AUX
fsr-3297	131	9	below	below	ADP
fsr-3297	131	10	the	the	DET
fsr-3297	131	11	minimum	minimum	NOUN
fsr-3297	131	12	such	such	ADJ
fsr-3297	131	13	that	that	DET
fsr-3297	131	14	0	0	NUM
fsr-3297	131	15	%	%	NOUN
fsr-3297	131	16	of	of	ADP
fsr-3297	131	17	ssb	ssb	PROPN
fsr-3297	131	18	are	be	AUX
fsr-3297	131	19	taxed	tax	VERB
fsr-3297	131	20	.	.	PUNCT
fsr-3297	132	1	however	however	ADV
fsr-3297	132	2	,	,	PUNCT
fsr-3297	132	3	by	by	ADP
fsr-3297	132	4	using	use	VERB
fsr-3297	132	5	the	the	DET
fsr-3297	132	6	irr	irr	NOUN
fsr-3297	132	7	method	method	NOUN
fsr-3297	132	8	to	to	PART
fsr-3297	132	9	find	find	VERB
fsr-3297	132	10	the	the	DET
fsr-3297	132	11	optimal	optimal	ADJ
fsr-3297	132	12	retirement	retirement	NOUN
fsr-3297	132	13	age	age	NOUN
fsr-3297	132	14	,	,	PUNCT
fsr-3297	132	15	taxation	taxation	NOUN
fsr-3297	132	16	of	of	ADP
fsr-3297	132	17	ssb	ssb	PROPN
fsr-3297	132	18	really	really	ADV
fsr-3297	132	19	becomes	become	VERB
fsr-3297	132	20	irrelevant	irrelevant	ADJ
fsr-3297	132	21	,	,	PUNCT
fsr-3297	132	22	since	since	SCONJ
fsr-3297	132	23	(	(	PUNCT
fsr-3297	132	24	1	1	NUM
fsr-3297	132	25	-	-	PUNCT
fsr-3297	132	26	tax	tax	NOUN
fsr-3297	132	27	rate	rate	NOUN
fsr-3297	132	28	of	of	ADP
fsr-3297	132	29	ssb	ssb	PROPN
fsr-3297	132	30	)	)	PUNCT
fsr-3297	132	31	shows	show	VERB
fsr-3297	132	32	up	up	ADP
fsr-3297	132	33	on	on	ADP
fsr-3297	132	34	both	both	CCONJ
fsr-3297	132	35	the	the	DET
fsr-3297	132	36	leftand	leftand	NOUN
fsr-3297	132	37	right	right	ADJ
fsr-3297	132	38	-	-	PUNCT
fsr-3297	132	39	hand	hand	NOUN
fsr-3297	132	40	sides	side	NOUN
fsr-3297	132	41	of	of	ADP
fsr-3297	132	42	our	our	PRON
fsr-3297	132	43	equation	equation	NOUN
fsr-3297	132	44	,	,	PUNCT
fsr-3297	132	45	effectively	effectively	ADV
fsr-3297	132	46	cancelling	cancel	VERB
fsr-3297	132	47	out	out	ADP
fsr-3297	132	48	one	one	NUM
fsr-3297	132	49	another	another	DET
fsr-3297	132	50	.	.	PUNCT
fsr-3297	133	1	93d.s	93d.s	X
fsr-3297	133	2	.	.	PUNCT
fsr-3297	133	3	docking	dock	VERB
fsr-3297	133	4	et	et	NOUN
fsr-3297	133	5	al	al	PROPN
fsr-3297	133	6	.	.	PUNCT
fsr-3297	133	7	/	/	SYM
fsr-3297	133	8	financial	financial	ADJ
fsr-3297	133	9	services	service	NOUN
fsr-3297	133	10	review	review	VERB
fsr-3297	133	11	26	26	NUM
fsr-3297	133	12	(	(	PUNCT
fsr-3297	133	13	2017	2017	NUM
fsr-3297	133	14	)	)	PUNCT
fsr-3297	133	15	87–111	87–111	PROPN
fsr-3297	133	16	6	6	NUM
fsr-3297	133	17	.	.	PUNCT
fsr-3297	134	1	since	since	SCONJ
fsr-3297	134	2	1983	1983	NUM
fsr-3297	134	3	,	,	PUNCT
fsr-3297	134	4	the	the	DET
fsr-3297	134	5	ssa	ssa	NOUN
fsr-3297	134	6	provides	provide	VERB
fsr-3297	134	7	for	for	ADP
fsr-3297	134	8	an	an	DET
fsr-3297	134	9	automatic	automatic	ADJ
fsr-3297	134	10	increase	increase	NOUN
fsr-3297	134	11	in	in	ADP
fsr-3297	134	12	ssb	ssb	PROPN
fsr-3297	134	13	if	if	SCONJ
fsr-3297	134	14	there	there	PRON
fsr-3297	134	15	is	be	VERB
fsr-3297	134	16	an	an	DET
fsr-3297	134	17	increase	increase	NOUN
fsr-3297	134	18	in	in	ADP
fsr-3297	134	19	the	the	DET
fsr-3297	134	20	cpi	cpi	NOUN
fsr-3297	134	21	-	-	PUNCT
fsr-3297	134	22	w	w	PROPN
fsr-3297	134	23	from	from	ADP
fsr-3297	134	24	third	third	ADJ
fsr-3297	134	25	quarter	quarter	NOUN
fsr-3297	134	26	last	last	ADJ
fsr-3297	134	27	year	year	NOUN
fsr-3297	134	28	to	to	ADP
fsr-3297	134	29	third	third	ADJ
fsr-3297	134	30	quarter	quarter	NOUN
fsr-3297	134	31	of	of	ADP
fsr-3297	134	32	the	the	DET
fsr-3297	134	33	current	current	ADJ
fsr-3297	134	34	year	year	NOUN
fsr-3297	134	35	.	.	PUNCT
fsr-3297	135	1	spitzer	spitzer	PROPN
fsr-3297	135	2	(	(	PUNCT
fsr-3297	135	3	2006	2006	NUM
fsr-3297	135	4	)	)	PUNCT
fsr-3297	135	5	finds	find	VERB
fsr-3297	135	6	that	that	SCONJ
fsr-3297	135	7	only	only	ADJ
fsr-3297	135	8	longevity	longevity	NOUN
fsr-3297	135	9	and	and	CCONJ
fsr-3297	135	10	expected	expect	VERB
fsr-3297	135	11	rates	rate	NOUN
fsr-3297	135	12	of	of	ADP
fsr-3297	135	13	return	return	NOUN
fsr-3297	135	14	are	be	AUX
fsr-3297	135	15	determining	determine	VERB
fsr-3297	135	16	factors	factor	NOUN
fsr-3297	135	17	as	as	ADP
fsr-3297	135	18	the	the	DET
fsr-3297	135	19	optimal	optimal	ADJ
fsr-3297	135	20	time	time	NOUN
fsr-3297	135	21	to	to	PART
fsr-3297	135	22	retire	retire	VERB
fsr-3297	135	23	and	and	CCONJ
fsr-3297	135	24	that	that	SCONJ
fsr-3297	135	25	inflation	inflation	NOUN
fsr-3297	135	26	and	and	CCONJ
fsr-3297	135	27	taxes	taxis	NOUN
fsr-3297	135	28	play	play	VERB
fsr-3297	135	29	no	no	DET
fsr-3297	135	30	significant	significant	ADJ
fsr-3297	135	31	role	role	NOUN
fsr-3297	135	32	.	.	PUNCT
fsr-3297	136	1	as	as	ADP
fsr-3297	136	2	a	a	DET
fsr-3297	136	3	consequence	consequence	NOUN
fsr-3297	136	4	,	,	PUNCT
fsr-3297	136	5	we	we	PRON
fsr-3297	136	6	assume	assume	VERB
fsr-3297	136	7	cola	cola	PROPN
fsr-3297	136	8	is	be	AUX
fsr-3297	136	9	zero	zero	NUM
fsr-3297	136	10	.	.	PUNCT
fsr-3297	137	1	7	7	X
fsr-3297	137	2	.	.	X
fsr-3297	137	3	we	we	PRON
fsr-3297	137	4	also	also	ADV
fsr-3297	137	5	assume	assume	VERB
fsr-3297	137	6	the	the	DET
fsr-3297	137	7	couple	couple	NOUN
fsr-3297	137	8	has	have	VERB
fsr-3297	137	9	no	no	DET
fsr-3297	137	10	dependents	dependent	NOUN
fsr-3297	137	11	,	,	PUNCT
fsr-3297	137	12	and	and	CCONJ
fsr-3297	137	13	that	that	SCONJ
fsr-3297	137	14	neither	neither	DET
fsr-3297	137	15	party	party	NOUN
fsr-3297	137	16	receives	receive	VERB
fsr-3297	137	17	a	a	DET
fsr-3297	137	18	government	government	NOUN
fsr-3297	137	19	pension	pension	NOUN
fsr-3297	137	20	.	.	PUNCT
fsr-3297	138	1	furthermore	furthermore	ADV
fsr-3297	138	2	,	,	PUNCT
fsr-3297	138	3	the	the	DET
fsr-3297	138	4	couple	couple	NOUN
fsr-3297	138	5	may	may	AUX
fsr-3297	138	6	be	be	AUX
fsr-3297	138	7	forced	force	VERB
fsr-3297	138	8	into	into	ADP
fsr-3297	138	9	a	a	DET
fsr-3297	138	10	higher	high	ADJ
fsr-3297	138	11	federal	federal	ADJ
fsr-3297	138	12	or	or	CCONJ
fsr-3297	138	13	state	state	NOUN
fsr-3297	138	14	tax	tax	NOUN
fsr-3297	138	15	bracket	bracket	NOUN
fsr-3297	138	16	because	because	SCONJ
fsr-3297	138	17	of	of	ADP
fsr-3297	138	18	other	other	ADJ
fsr-3297	138	19	income	income	NOUN
fsr-3297	138	20	;	;	PUNCT
fsr-3297	138	21	this	this	PRON
fsr-3297	138	22	,	,	PUNCT
fsr-3297	138	23	too	too	ADV
fsr-3297	138	24	,	,	PUNCT
fsr-3297	138	25	is	be	AUX
fsr-3297	138	26	irrelevant	irrelevant	ADJ
fsr-3297	138	27	in	in	ADP
fsr-3297	138	28	our	our	PRON
fsr-3297	138	29	analysis	analysis	NOUN
fsr-3297	138	30	and	and	CCONJ
fsr-3297	138	31	is	be	AUX
fsr-3297	138	32	ignored	ignore	VERB
fsr-3297	138	33	.	.	PUNCT
fsr-3297	139	1	in	in	ADP
fsr-3297	139	2	this	this	DET
fsr-3297	139	3	study	study	NOUN
fsr-3297	139	4	we	we	PRON
fsr-3297	139	5	make	make	VERB
fsr-3297	139	6	two	two	NUM
fsr-3297	139	7	different	different	ADJ
fsr-3297	139	8	assumptions	assumption	NOUN
fsr-3297	139	9	from	from	ADP
fsr-3297	139	10	out	out	ADP
fsr-3297	139	11	2015	2015	NUM
fsr-3297	139	12	study	study	NOUN
fsr-3297	139	13	:	:	PUNCT
fsr-3297	140	1	8	8	X
fsr-3297	140	2	.	.	X
fsr-3297	141	1	we	we	PRON
fsr-3297	141	2	assume	assume	VERB
fsr-3297	141	3	spouse_1	spouse_1	NOUN
fsr-3297	141	4	is	be	AUX
fsr-3297	141	5	the	the	DET
fsr-3297	141	6	spouse	spouse	NOUN
fsr-3297	141	7	(	(	PUNCT
fsr-3297	141	8	female	female	NOUN
fsr-3297	141	9	)	)	PUNCT
fsr-3297	141	10	and	and	CCONJ
fsr-3297	141	11	spouse_2	spouse_2	NOUN
fsr-3297	141	12	is	be	AUX
fsr-3297	141	13	the	the	DET
fsr-3297	141	14	spouse	spouse	NOUN
fsr-3297	141	15	(	(	PUNCT
fsr-3297	141	16	male	male	NOUN
fsr-3297	141	17	)	)	PUNCT
fsr-3297	141	18	.	.	PUNCT
fsr-3297	142	1	the	the	DET
fsr-3297	142	2	spouse	spouse	NOUN
fsr-3297	142	3	(	(	PUNCT
fsr-3297	142	4	female	female	NOUN
fsr-3297	142	5	)	)	PUNCT
fsr-3297	142	6	is	be	AUX
fsr-3297	142	7	older	old	ADJ
fsr-3297	142	8	than	than	ADP
fsr-3297	142	9	the	the	DET
fsr-3297	142	10	spouse	spouse	NOUN
fsr-3297	142	11	(	(	PUNCT
fsr-3297	142	12	male	male	NOUN
fsr-3297	142	13	)	)	PUNCT
fsr-3297	142	14	.	.	PUNCT
fsr-3297	143	1	we	we	PRON
fsr-3297	143	2	look	look	VERB
fsr-3297	143	3	at	at	ADP
fsr-3297	143	4	age	age	NOUN
fsr-3297	143	5	differences	difference	NOUN
fsr-3297	143	6	(	(	PUNCT
fsr-3297	143	7	agefemale	agefemale	NOUN
fsr-3297	143	8	–	–	PUNCT
fsr-3297	143	9	agemale	agemale	NOUN
fsr-3297	143	10	)	)	PUNCT
fsr-3297	143	11	of	of	ADP
fsr-3297	143	12	0	0	NUM
fsr-3297	143	13	,	,	PUNCT
fsr-3297	143	14	4	4	NUM
fsr-3297	143	15	,	,	PUNCT
fsr-3297	143	16	7	7	NUM
fsr-3297	143	17	,	,	PUNCT
fsr-3297	143	18	and	and	CCONJ
fsr-3297	143	19	10	10	NUM
fsr-3297	143	20	.	.	PUNCT
fsr-3297	143	21	table	table	NOUN
fsr-3297	143	22	1	1	NUM
fsr-3297	143	23	average	average	ADJ
fsr-3297	143	24	life	life	NOUN
fsr-3297	143	25	expectancy	expectancy	NOUN
fsr-3297	143	26	given	give	VERB
fsr-3297	143	27	current	current	ADJ
fsr-3297	143	28	age	age	NOUN
fsr-3297	143	29	age	age	NOUN
fsr-3297	143	30	all	all	DET
fsr-3297	143	31	males	male	NOUN
fsr-3297	143	32	white	white	ADJ
fsr-3297	143	33	males	male	NOUN
fsr-3297	143	34	black	black	ADJ
fsr-3297	143	35	males	male	NOUN
fsr-3297	143	36	hispanic	hispanic	ADJ
fsr-3297	143	37	males	male	NOUN
fsr-3297	143	38	avg	avg	NOUN
fsr-3297	143	39	#	#	NOUN
fsr-3297	143	40	years	year	NOUN
fsr-3297	143	41	remaining	remain	VERB
fsr-3297	143	42	expected	expect	VERB
fsr-3297	143	43	age	age	NOUN
fsr-3297	143	44	to	to	PART
fsr-3297	143	45	die	die	VERB
fsr-3297	143	46	avg	avg	NOUN
fsr-3297	143	47	#	#	NOUN
fsr-3297	143	48	years	year	NOUN
fsr-3297	143	49	remaining	remain	VERB
fsr-3297	143	50	expected	expect	VERB
fsr-3297	143	51	age	age	NOUN
fsr-3297	143	52	to	to	PART
fsr-3297	143	53	die	die	VERB
fsr-3297	143	54	avg	avg	NOUN
fsr-3297	143	55	#	#	NOUN
fsr-3297	143	56	years	year	NOUN
fsr-3297	143	57	remaining	remain	VERB
fsr-3297	143	58	expected	expect	VERB
fsr-3297	143	59	age	age	NOUN
fsr-3297	143	60	to	to	PART
fsr-3297	143	61	die	die	VERB
fsr-3297	143	62	avg	avg	NOUN
fsr-3297	143	63	#	#	NOUN
fsr-3297	143	64	years	year	NOUN
fsr-3297	143	65	remaining	remain	VERB
fsr-3297	143	66	expected	expect	VERB
fsr-3297	143	67	age	age	NOUN
fsr-3297	143	68	to	to	PART
fsr-3297	143	69	die	die	VERB
fsr-3297	143	70	62	62	NUM
fsr-3297	143	71	19.19	19.19	NUM
fsr-3297	143	72	81.19	81.19	NUM
fsr-3297	143	73	19.32	19.32	NUM
fsr-3297	143	74	81.32	81.32	NUM
fsr-3297	143	75	16.90	16.90	NUM
fsr-3297	143	76	78.90	78.90	NUM
fsr-3297	143	77	21.26	21.26	NUM
fsr-3297	143	78	83.26	83.26	NUM
fsr-3297	143	79	63	63	NUM
fsr-3297	143	80	18.46	18.46	NUM
fsr-3297	143	81	81.46	81.46	NUM
fsr-3297	143	82	18.57	18.57	NUM
fsr-3297	143	83	81.57	81.57	NUM
fsr-3297	143	84	16.29	16.29	NUM
fsr-3297	143	85	79.29	79.29	NUM
fsr-3297	143	86	20.48	20.48	NUM
fsr-3297	143	87	83.48	83.48	NUM
fsr-3297	143	88	64	64	NUM
fsr-3297	143	89	17.73	17.73	NUM
fsr-3297	143	90	81.73	81.73	NUM
fsr-3297	143	91	17.83	17.83	NUM
fsr-3297	143	92	81.83	81.83	NUM
fsr-3297	143	93	15.69	15.69	NUM
fsr-3297	143	94	79.69	79.69	NUM
fsr-3297	143	95	19.71	19.71	NUM
fsr-3297	143	96	83.71	83.71	NUM
fsr-3297	143	97	65	65	NUM
fsr-3297	143	98	17.01	17.01	NUM
fsr-3297	143	99	82.01	82.01	NUM
fsr-3297	143	100	17.10	17.10	NUM
fsr-3297	143	101	82.10	82.10	NUM
fsr-3297	143	102	15.10	15.10	NUM
fsr-3297	143	103	80.10	80.10	NUM
fsr-3297	143	104	18.96	18.96	NUM
fsr-3297	143	105	83.96	83.96	NUM
fsr-3297	143	106	66	66	NUM
fsr-3297	143	107	16.30	16.30	NUM
fsr-3297	143	108	82.30	82.30	NUM
fsr-3297	143	109	16.38	16.38	NUM
fsr-3297	143	110	82.38	82.38	NUM
fsr-3297	143	111	14.51	14.51	NUM
fsr-3297	143	112	80.51	80.51	NUM
fsr-3297	143	113	18.21	18.21	NUM
fsr-3297	143	114	84.21	84.21	NUM
fsr-3297	143	115	67	67	NUM
fsr-3297	143	116	15.60	15.60	NUM
fsr-3297	143	117	82.60	82.60	NUM
fsr-3297	143	118	15.67	15.67	NUM
fsr-3297	143	119	82.67	82.67	NUM
fsr-3297	143	120	13.93	13.93	NUM
fsr-3297	143	121	80.93	80.93	NUM
fsr-3297	143	122	17.48	17.48	NUM
fsr-3297	143	123	84.48	84.48	NUM
fsr-3297	143	124	68	68	NUM
fsr-3297	143	125	14.90	14.90	NUM
fsr-3297	143	126	82.90	82.90	NUM
fsr-3297	143	127	14.97	14.97	NUM
fsr-3297	143	128	82.97	82.97	NUM
fsr-3297	143	129	13.36	13.36	NUM
fsr-3297	143	130	81.36	81.36	NUM
fsr-3297	143	131	16.77	16.77	NUM
fsr-3297	143	132	84.77	84.77	NUM
fsr-3297	143	133	69	69	NUM
fsr-3297	143	134	14.22	14.22	NUM
fsr-3297	143	135	83.22	83.22	NUM
fsr-3297	143	136	14.28	14.28	NUM
fsr-3297	143	137	83.28	83.28	NUM
fsr-3297	143	138	12.80	12.80	NUM
fsr-3297	143	139	81.80	81.80	NUM
fsr-3297	143	140	16.07	16.07	NUM
fsr-3297	143	141	85.07	85.07	NUM
fsr-3297	143	142	70	70	NUM
fsr-3297	143	143	13.55	13.55	NUM
fsr-3297	143	144	83.55	83.55	NUM
fsr-3297	143	145	13.60	13.60	NUM
fsr-3297	143	146	83.60	83.60	NUM
fsr-3297	143	147	12.25	12.25	NUM
fsr-3297	143	148	82.25	82.25	NUM
fsr-3297	143	149	15.38	15.38	NUM
fsr-3297	143	150	85.38	85.38	NUM
fsr-3297	143	151	age	age	NOUN
fsr-3297	143	152	all	all	DET
fsr-3297	143	153	females	female	NOUN
fsr-3297	143	154	white	white	ADJ
fsr-3297	143	155	females	female	NOUN
fsr-3297	143	156	black	black	ADJ
fsr-3297	143	157	females	female	NOUN
fsr-3297	143	158	hispanic	hispanic	ADJ
fsr-3297	143	159	females	female	NOUN
fsr-3297	143	160	avg	avg	NOUN
fsr-3297	143	161	#	#	NOUN
fsr-3297	143	162	years	year	NOUN
fsr-3297	143	163	remaining	remain	VERB
fsr-3297	143	164	expected	expect	VERB
fsr-3297	143	165	age	age	NOUN
fsr-3297	143	166	to	to	PART
fsr-3297	143	167	die	die	VERB
fsr-3297	143	168	avg	avg	NOUN
fsr-3297	143	169	#	#	NOUN
fsr-3297	143	170	years	year	NOUN
fsr-3297	143	171	remaining	remain	VERB
fsr-3297	143	172	expected	expect	VERB
fsr-3297	143	173	age	age	NOUN
fsr-3297	143	174	to	to	PART
fsr-3297	143	175	die	die	VERB
fsr-3297	143	176	avg	avg	NOUN
fsr-3297	143	177	#	#	NOUN
fsr-3297	143	178	years	year	NOUN
fsr-3297	143	179	remaining	remain	VERB
fsr-3297	143	180	expected	expect	VERB
fsr-3297	143	181	age	age	NOUN
fsr-3297	143	182	to	to	PART
fsr-3297	143	183	die	die	VERB
fsr-3297	143	184	avg	avg	NOUN
fsr-3297	143	185	#	#	NOUN
fsr-3297	143	186	years	year	NOUN
fsr-3297	143	187	remaining	remain	VERB
fsr-3297	143	188	expected	expect	VERB
fsr-3297	143	189	age	age	NOUN
fsr-3297	143	190	to	to	PART
fsr-3297	143	191	die	die	VERB
fsr-3297	143	192	62	62	NUM
fsr-3297	143	193	22.11	22.11	NUM
fsr-3297	143	194	84.11	84.11	NUM
fsr-3297	143	195	22.18	22.18	NUM
fsr-3297	143	196	84.18	84.18	NUM
fsr-3297	143	197	20.72	20.72	NUM
fsr-3297	143	198	82.72	82.72	NUM
fsr-3297	143	199	24.24	24.24	NUM
fsr-3297	143	200	86.24	86.24	NUM
fsr-3297	143	201	63	63	NUM
fsr-3297	143	202	21.30	21.30	NUM
fsr-3297	143	203	84.30	84.30	NUM
fsr-3297	143	204	21.37	21.37	NUM
fsr-3297	143	205	84.37	84.37	NUM
fsr-3297	143	206	19.99	19.99	NUM
fsr-3297	143	207	82.99	82.99	NUM
fsr-3297	143	208	23.39	23.39	NUM
fsr-3297	143	209	86.39	86.39	NUM
fsr-3297	143	210	64	64	NUM
fsr-3297	143	211	20.50	20.50	NUM
fsr-3297	143	212	84.50	84.50	NUM
fsr-3297	143	213	20.56	20.56	NUM
fsr-3297	143	214	84.56	84.56	NUM
fsr-3297	143	215	19.27	19.27	NUM
fsr-3297	143	216	83.27	83.27	NUM
fsr-3297	143	217	22.55	22.55	NUM
fsr-3297	143	218	86.55	86.55	NUM
fsr-3297	143	219	65	65	NUM
fsr-3297	143	220	19.71	19.71	NUM
fsr-3297	143	221	84.71	84.71	NUM
fsr-3297	143	222	19.76	19.76	NUM
fsr-3297	143	223	84.76	84.76	NUM
fsr-3297	143	224	18.57	18.57	NUM
fsr-3297	143	225	83.57	83.57	NUM
fsr-3297	143	226	21.72	21.72	NUM
fsr-3297	143	227	86.72	86.72	NUM
fsr-3297	143	228	66	66	NUM
fsr-3297	143	229	18.93	18.93	NUM
fsr-3297	143	230	84.93	84.93	NUM
fsr-3297	143	231	18.97	18.97	NUM
fsr-3297	143	232	84.97	84.97	NUM
fsr-3297	143	233	17.87	17.87	NUM
fsr-3297	143	234	83.87	83.87	NUM
fsr-3297	143	235	20.90	20.90	NUM
fsr-3297	143	236	86.90	86.90	NUM
fsr-3297	143	237	67	67	NUM
fsr-3297	143	238	18.15	18.15	NUM
fsr-3297	143	239	85.15	85.15	NUM
fsr-3297	143	240	18.18	18.18	NUM
fsr-3297	143	241	85.18	85.18	NUM
fsr-3297	143	242	17.17	17.17	NUM
fsr-3297	143	243	84.17	84.17	NUM
fsr-3297	143	244	20.10	20.10	NUM
fsr-3297	143	245	87.10	87.10	NUM
fsr-3297	143	246	68	68	NUM
fsr-3297	143	247	17.38	17.38	NUM
fsr-3297	143	248	85.38	85.38	NUM
fsr-3297	143	249	17.41	17.41	NUM
fsr-3297	143	250	85.41	85.41	NUM
fsr-3297	143	251	16.48	16.48	NUM
fsr-3297	143	252	84.48	84.48	NUM
fsr-3297	143	253	19.30	19.30	NUM
fsr-3297	143	254	87.30	87.30	NUM
fsr-3297	143	255	69	69	NUM
fsr-3297	143	256	16.62	16.62	NUM
fsr-3297	143	257	85.62	85.62	NUM
fsr-3297	143	258	16.64	16.64	NUM
fsr-3297	143	259	85.64	85.64	NUM
fsr-3297	143	260	15.80	15.80	NUM
fsr-3297	143	261	84.80	84.80	NUM
fsr-3297	143	262	18.51	18.51	NUM
fsr-3297	143	263	87.51	87.51	NUM
fsr-3297	143	264	70	70	NUM
fsr-3297	143	265	15.87	15.87	NUM
fsr-3297	143	266	85.87	85.87	NUM
fsr-3297	143	267	15.89	15.89	NUM
fsr-3297	143	268	85.89	85.89	NUM
fsr-3297	143	269	15.14	15.14	NUM
fsr-3297	143	270	85.14	85.14	NUM
fsr-3297	143	271	17.74	17.74	NUM
fsr-3297	143	272	87.74	87.74	NUM
fsr-3297	143	273	source	source	NOUN
fsr-3297	143	274	:	:	PUNCT
fsr-3297	143	275	national	national	ADJ
fsr-3297	143	276	vital	vital	ADJ
fsr-3297	143	277	statistics	statistic	NOUN
fsr-3297	143	278	report	report	NOUN
fsr-3297	143	279	(	(	PUNCT
fsr-3297	143	280	2010	2010	NUM
fsr-3297	143	281	)	)	PUNCT
fsr-3297	143	282	,	,	PUNCT
fsr-3297	143	283	june	june	PROPN
fsr-3297	143	284	28	28	NUM
fsr-3297	143	285	,	,	PUNCT
fsr-3297	143	286	2010	2010	NUM
fsr-3297	143	287	,	,	PUNCT
fsr-3297	143	288	volume	volume	NOUN
fsr-3297	143	289	58	58	NUM
fsr-3297	143	290	,	,	PUNCT
fsr-3297	143	291	number	number	NOUN
fsr-3297	143	292	21	21	NUM
fsr-3297	143	293	,	,	PUNCT
fsr-3297	143	294	united	united	PROPN
fsr-3297	143	295	states	states	PROPN
fsr-3297	143	296	life	life	NOUN
fsr-3297	143	297	tables	table	NOUN
fsr-3297	143	298	,	,	PUNCT
fsr-3297	143	299	2006	2006	NUM
fsr-3297	143	300	;	;	PUNCT
fsr-3297	143	301	and	and	CCONJ
fsr-3297	143	302	arias	aria	NOUN
fsr-3297	143	303	(	(	PUNCT
fsr-3297	143	304	2010	2010	NUM
fsr-3297	143	305	)	)	PUNCT
fsr-3297	143	306	,	,	PUNCT
fsr-3297	143	307	united	united	PROPN
fsr-3297	143	308	states	states	PROPN
fsr-3297	143	309	life	life	NOUN
fsr-3297	143	310	tables	table	NOUN
fsr-3297	143	311	by	by	ADP
fsr-3297	143	312	hispanic	hispanic	ADJ
fsr-3297	143	313	origin	origin	NOUN
fsr-3297	143	314	.	.	PUNCT
fsr-3297	144	1	national	national	ADJ
fsr-3297	144	2	center	center	NOUN
fsr-3297	144	3	for	for	ADP
fsr-3297	144	4	health	health	NOUN
fsr-3297	144	5	statistics	statistic	NOUN
fsr-3297	144	6	.	.	PUNCT
fsr-3297	145	1	vital	vital	ADJ
fsr-3297	145	2	health	health	NOUN
fsr-3297	145	3	stat	stat	PROPN
fsr-3297	145	4	2(152	2(152	NUM
fsr-3297	145	5	)	)	PUNCT
fsr-3297	145	6	.	.	PUNCT
fsr-3297	146	1	2010	2010	NUM
fsr-3297	146	2	.	.	PUNCT
fsr-3297	147	1	94	94	NUM
fsr-3297	147	2	d.s	d.s	PROPN
fsr-3297	147	3	.	.	PROPN
fsr-3297	147	4	docking	docking	NOUN
fsr-3297	147	5	et	et	PROPN
fsr-3297	147	6	al	al	PROPN
fsr-3297	147	7	.	.	PUNCT
fsr-3297	147	8	/	/	SYM
fsr-3297	147	9	financial	financial	ADJ
fsr-3297	147	10	services	service	NOUN
fsr-3297	147	11	review	review	VERB
fsr-3297	147	12	26	26	NUM
fsr-3297	147	13	(	(	PUNCT
fsr-3297	147	14	2017	2017	NUM
fsr-3297	147	15	)	)	PUNCT
fsr-3297	147	16	87–111	87–111	PROPN
fsr-3297	147	17	9	9	NUM
fsr-3297	147	18	.	.	PUNCT
fsr-3297	148	1	we	we	PRON
fsr-3297	148	2	assume	assume	VERB
fsr-3297	148	3	a	a	DET
fsr-3297	148	4	one	one	NUM
fsr-3297	148	5	-	-	PUNCT
fsr-3297	148	6	earner	earner	NOUN
fsr-3297	148	7	family	family	NOUN
fsr-3297	148	8	.	.	PUNCT
fsr-3297	149	1	the	the	DET
fsr-3297	149	2	spouse	spouse	NOUN
fsr-3297	149	3	is	be	AUX
fsr-3297	149	4	the	the	DET
fsr-3297	149	5	working	work	VERB
fsr-3297	149	6	spouse_1	spouse_1	PROPN
fsr-3297	149	7	,	,	PUNCT
fsr-3297	149	8	and	and	CCONJ
fsr-3297	149	9	the	the	DET
fsr-3297	149	10	spouse	spouse	NOUN
fsr-3297	149	11	is	be	AUX
fsr-3297	149	12	the	the	DET
fsr-3297	149	13	non	non	ADJ
fsr-3297	149	14	-	-	ADJ
fsr-3297	149	15	working	working	ADJ
fsr-3297	149	16	spouse_2	spouse_2	NOUN
fsr-3297	149	17	.	.	PUNCT
fsr-3297	150	1	5	5	NUM
fsr-3297	150	2	.	.	PUNCT
fsr-3297	150	3	examples	example	NOUN
fsr-3297	150	4	5.1	5.1	NUM
fsr-3297	150	5	.	.	PUNCT
fsr-3297	150	6	spouse	spouse	NOUN
fsr-3297	150	7	earner	earner	NOUN
fsr-3297	150	8	,	,	PUNCT
fsr-3297	150	9	spouse	spouse	NOUN
fsr-3297	150	10	and	and	CCONJ
fsr-3297	150	11	spouse	spouse	NOUN
fsr-3297	150	12	same	same	ADJ
fsr-3297	150	13	age	age	NOUN
fsr-3297	150	14	,	,	PUNCT
fsr-3297	150	15	spouse	spouse	NOUN
fsr-3297	150	16	and	and	CCONJ
fsr-3297	150	17	spouse	spouse	NOUN
fsr-3297	150	18	retire	retire	NOUN
fsr-3297	150	19	at	at	ADP
fsr-3297	150	20	same	same	ADJ
fsr-3297	150	21	time	time	NOUN
fsr-3297	150	22	michael	michael	PROPN
fsr-3297	150	23	,	,	PUNCT
fsr-3297	150	24	a	a	DET
fsr-3297	150	25	black	black	ADJ
fsr-3297	150	26	male	male	NOUN
fsr-3297	150	27	born	bear	VERB
fsr-3297	150	28	in	in	ADP
fsr-3297	150	29	1948	1948	NUM
fsr-3297	150	30	,	,	PUNCT
fsr-3297	150	31	is	be	AUX
fsr-3297	150	32	married	married	ADJ
fsr-3297	150	33	to	to	ADP
fsr-3297	150	34	angela	angela	PROPN
fsr-3297	150	35	,	,	PUNCT
fsr-3297	150	36	a	a	DET
fsr-3297	150	37	black	black	ADJ
fsr-3297	150	38	female	female	NOUN
fsr-3297	150	39	born	bear	VERB
fsr-3297	150	40	in	in	ADP
fsr-3297	150	41	1948	1948	NUM
fsr-3297	150	42	.	.	PUNCT
fsr-3297	151	1	they	they	PRON
fsr-3297	151	2	are	be	AUX
fsr-3297	151	3	trying	try	VERB
fsr-3297	151	4	to	to	PART
fsr-3297	151	5	decide	decide	VERB
fsr-3297	151	6	if	if	SCONJ
fsr-3297	151	7	they	they	PRON
fsr-3297	151	8	should	should	AUX
fsr-3297	151	9	retire	retire	VERB
fsr-3297	151	10	early	early	ADV
fsr-3297	151	11	at	at	ADP
fsr-3297	151	12	age	age	NOUN
fsr-3297	151	13	62	62	NUM
fsr-3297	151	14	or	or	CCONJ
fsr-3297	151	15	wait	wait	VERB
fsr-3297	151	16	until	until	ADP
fsr-3297	151	17	fra	fra	NOUN
fsr-3297	151	18	of	of	ADP
fsr-3297	151	19	66	66	NUM
fsr-3297	151	20	.	.	PUNCT
fsr-3297	152	1	michael	michael	PROPN
fsr-3297	152	2	is	be	AUX
fsr-3297	152	3	the	the	DET
fsr-3297	152	4	sole	sole	ADJ
fsr-3297	152	5	breadwinner	breadwinner	NOUN
fsr-3297	152	6	of	of	ADP
fsr-3297	152	7	the	the	DET
fsr-3297	152	8	family	family	NOUN
fsr-3297	152	9	.	.	PUNCT
fsr-3297	153	1	angela	angela	PROPN
fsr-3297	153	2	has	have	VERB
fsr-3297	153	3	no	no	DET
fsr-3297	153	4	ssbs	ssbs	NOUN
fsr-3297	153	5	of	of	ADP
fsr-3297	153	6	her	her	PRON
fsr-3297	153	7	own	own	ADJ
fsr-3297	153	8	.	.	PUNCT
fsr-3297	154	1	according	accord	VERB
fsr-3297	154	2	to	to	ADP
fsr-3297	154	3	table	table	NOUN
fsr-3297	154	4	1	1	NUM
fsr-3297	154	5	,	,	PUNCT
fsr-3297	154	6	michael	michael	PROPN
fsr-3297	154	7	’s	’s	PART
fsr-3297	154	8	life	life	NOUN
fsr-3297	154	9	expectancy	expectancy	NOUN
fsr-3297	154	10	at	at	ADP
fsr-3297	154	11	age	age	NOUN
fsr-3297	154	12	62	62	NUM
fsr-3297	154	13	is	be	AUX
fsr-3297	154	14	an	an	DET
fsr-3297	154	15	additional	additional	ADJ
fsr-3297	154	16	16.90	16.90	NUM
fsr-3297	154	17	years	year	NOUN
fsr-3297	154	18	(	(	PUNCT
fsr-3297	154	19	202.8	202.8	NUM
fsr-3297	154	20	months	month	NOUN
fsr-3297	154	21	)	)	PUNCT
fsr-3297	154	22	to	to	PART
fsr-3297	154	23	age	age	NOUN
fsr-3297	154	24	78.9	78.9	NUM
fsr-3297	154	25	;	;	PUNCT
fsr-3297	154	26	while	while	SCONJ
fsr-3297	154	27	his	his	PRON
fsr-3297	154	28	life	life	NOUN
fsr-3297	154	29	expectancy	expectancy	NOUN
fsr-3297	154	30	at	at	ADP
fsr-3297	154	31	age	age	NOUN
fsr-3297	154	32	66	66	NUM
fsr-3297	154	33	is	be	AUX
fsr-3297	154	34	an	an	DET
fsr-3297	154	35	additional	additional	ADJ
fsr-3297	154	36	14.51	14.51	NUM
fsr-3297	154	37	years	year	NOUN
fsr-3297	154	38	(	(	PUNCT
fsr-3297	154	39	174.12	174.12	NUM
fsr-3297	154	40	months	month	NOUN
fsr-3297	154	41	)	)	PUNCT
fsr-3297	154	42	to	to	PART
fsr-3297	154	43	age	age	NOUN
fsr-3297	154	44	80.51	80.51	NUM
fsr-3297	154	45	.	.	PUNCT
fsr-3297	155	1	angela	angela	PROPN
fsr-3297	155	2	’s	’s	PART
fsr-3297	155	3	life	life	NOUN
fsr-3297	155	4	expectancy	expectancy	NOUN
fsr-3297	155	5	at	at	ADP
fsr-3297	155	6	age	age	NOUN
fsr-3297	155	7	62	62	NUM
fsr-3297	155	8	is	be	AUX
fsr-3297	155	9	an	an	DET
fsr-3297	155	10	additional	additional	ADJ
fsr-3297	155	11	20.72	20.72	NUM
fsr-3297	155	12	years	year	NOUN
fsr-3297	155	13	(	(	PUNCT
fsr-3297	155	14	248.64	248.64	NUM
fsr-3297	155	15	months	month	NOUN
fsr-3297	155	16	)	)	PUNCT
fsr-3297	155	17	to	to	PART
fsr-3297	155	18	age	age	NOUN
fsr-3297	155	19	82.72	82.72	NUM
fsr-3297	155	20	;	;	PUNCT
fsr-3297	155	21	whereas	whereas	SCONJ
fsr-3297	155	22	her	her	PRON
fsr-3297	155	23	life	life	NOUN
fsr-3297	155	24	expectancy	expectancy	NOUN
fsr-3297	155	25	at	at	ADP
fsr-3297	155	26	age	age	NOUN
fsr-3297	155	27	66	66	NUM
fsr-3297	155	28	is	be	AUX
fsr-3297	155	29	an	an	DET
fsr-3297	155	30	additional	additional	ADJ
fsr-3297	155	31	17.87	17.87	NUM
fsr-3297	155	32	years	year	NOUN
fsr-3297	155	33	(	(	PUNCT
fsr-3297	155	34	214.44	214.44	NUM
fsr-3297	155	35	months	month	NOUN
fsr-3297	155	36	)	)	PUNCT
fsr-3297	155	37	to	to	PART
fsr-3297	155	38	age	age	NOUN
fsr-3297	155	39	83.87	83.87	NUM
fsr-3297	155	40	.	.	PUNCT
fsr-3297	156	1	based	base	VERB
fsr-3297	156	2	on	on	ADP
fsr-3297	156	3	current	current	ADJ
fsr-3297	156	4	social	social	ADJ
fsr-3297	156	5	security	security	NOUN
fsr-3297	156	6	requirements	requirement	NOUN
fsr-3297	156	7	,	,	PUNCT
fsr-3297	156	8	michael	michael	PROPN
fsr-3297	156	9	will	will	AUX
fsr-3297	156	10	receive	receive	VERB
fsr-3297	156	11	100	100	NUM
fsr-3297	156	12	%	%	NOUN
fsr-3297	156	13	of	of	ADP
fsr-3297	156	14	his	his	PRON
fsr-3297	156	15	ssb	ssb	NOUN
fsr-3297	156	16	at	at	ADP
fsr-3297	156	17	age	age	NOUN
fsr-3297	156	18	66	66	NUM
fsr-3297	156	19	,	,	PUNCT
fsr-3297	156	20	but	but	CCONJ
fsr-3297	156	21	only	only	ADV
fsr-3297	156	22	75	75	NUM
fsr-3297	156	23	%	%	NOUN
fsr-3297	156	24	of	of	ADP
fsr-3297	156	25	his	his	PRON
fsr-3297	156	26	fra	fra	NOUN
fsr-3297	156	27	benefits	benefit	NOUN
fsr-3297	156	28	at	at	ADP
fsr-3297	156	29	age	age	NOUN
fsr-3297	156	30	62	62	NUM
fsr-3297	156	31	.	.	PUNCT
fsr-3297	157	1	angela	angela	PROPN
fsr-3297	157	2	is	be	AUX
fsr-3297	157	3	able	able	ADJ
fsr-3297	157	4	to	to	PART
fsr-3297	157	5	claim	claim	VERB
fsr-3297	157	6	up	up	ADP
fsr-3297	157	7	to	to	PART
fsr-3297	157	8	50	50	NUM
fsr-3297	157	9	%	%	NOUN
fsr-3297	157	10	of	of	ADP
fsr-3297	157	11	michael	michael	PROPN
fsr-3297	157	12	’s	’s	PART
fsr-3297	157	13	ssb	ssb	PROPN
fsr-3297	157	14	if	if	SCONJ
fsr-3297	157	15	she	she	PRON
fsr-3297	157	16	is	be	AUX
fsr-3297	157	17	at	at	ADP
fsr-3297	157	18	fra	fra	NOUN
fsr-3297	157	19	,	,	PUNCT
fsr-3297	157	20	but	but	CCONJ
fsr-3297	157	21	only	only	ADV
fsr-3297	157	22	35	35	NUM
fsr-3297	157	23	%	%	NOUN
fsr-3297	157	24	at	at	ADP
fsr-3297	157	25	age	age	NOUN
fsr-3297	157	26	62	62	NUM
fsr-3297	157	27	.	.	PUNCT
fsr-3297	158	1	using	use	VERB
fsr-3297	158	2	excel	excel	NOUN
fsr-3297	158	3	we	we	PRON
fsr-3297	158	4	can	can	AUX
fsr-3297	158	5	find	find	VERB
fsr-3297	158	6	the	the	DET
fsr-3297	158	7	irr	irr	NOUN
fsr-3297	158	8	that	that	PRON
fsr-3297	158	9	will	will	AUX
fsr-3297	158	10	equate	equate	VERB
fsr-3297	158	11	both	both	DET
fsr-3297	158	12	sides	side	NOUN
fsr-3297	158	13	of	of	ADP
fsr-3297	158	14	the	the	DET
fsr-3297	158	15	following	follow	VERB
fsr-3297	158	16	equation	equation	NOUN
fsr-3297	158	17	:	:	PUNCT
fsr-3297	158	18	75	75	NUM
fsr-3297	158	19	%	%	NOUN
fsr-3297	158	20	�	�	PROPN
fsr-3297	158	21	�	�	PROPN
fsr-3297	158	22	1	1	NUM
fsr-3297	158	23	202.8	202.8	NUM
fsr-3297	158	24	�	�	NOUN
fsr-3297	158	25	1	1	NUM
fsr-3297	158	26	1	1	NUM
fsr-3297	158	27	�	�	PROPN
fsr-3297	158	28	irr	irr	NOUN
fsr-3297	158	29	12	12	NUM
fsr-3297	158	30	�	�	PROPN
fsr-3297	158	31	i	i	PRON
fsr-3297	158	32	�	�	PROPN
fsr-3297	158	33	35	35	NUM
fsr-3297	158	34	%	%	NOUN
fsr-3297	158	35	�	�	PROPN
fsr-3297	158	36	�	�	PROPN
fsr-3297	158	37	1	1	NUM
fsr-3297	158	38	248.64	248.64	NUM
fsr-3297	158	39	�	�	NOUN
fsr-3297	158	40	1	1	NUM
fsr-3297	158	41	1	1	NUM
fsr-3297	158	42	�	�	PROPN
fsr-3297	158	43	irr	irr	NOUN
fsr-3297	158	44	12	12	NUM
fsr-3297	158	45	�	�	PROPN
fsr-3297	158	46	j	j	PROPN
fsr-3297	158	47	�	�	PROPN
fsr-3297	158	48	100	100	NUM
fsr-3297	158	49	%	%	NOUN
fsr-3297	158	50	�	�	PROPN
fsr-3297	158	51	�	�	PROPN
fsr-3297	158	52	1	1	NUM
fsr-3297	158	53	174.12	174.12	NUM
fsr-3297	158	54	�	�	NOUN
fsr-3297	158	55	1	1	NUM
fsr-3297	158	56	1	1	NUM
fsr-3297	158	57	�	�	PROPN
fsr-3297	158	58	irr	irr	NOUN
fsr-3297	158	59	12	12	NUM
fsr-3297	158	60	�	�	PROPN
fsr-3297	158	61	m	m	NUM
fsr-3297	158	62	�	�	PROPN
fsr-3297	158	63	�	�	PROPN
fsr-3297	158	64	1	1	NUM
fsr-3297	158	65	1	1	NUM
fsr-3297	158	66	�	�	PROPN
fsr-3297	158	67	irr	irr	NOUN
fsr-3297	158	68	12	12	NUM
fsr-3297	158	69	�	�	PROPN
fsr-3297	158	70	�	�	PROPN
fsr-3297	158	71	66	66	NUM
fsr-3297	158	72	�	�	PROPN
fsr-3297	158	73	62	62	NUM
fsr-3297	158	74	�	�	PROPN
fsr-3297	158	75	�	�	PROPN
fsr-3297	158	76	12	12	NUM
fsr-3297	158	77	�	�	PROPN
fsr-3297	158	78	50	50	NUM
fsr-3297	158	79	%	%	NOUN
fsr-3297	158	80	�	�	PROPN
fsr-3297	158	81	�	�	PROPN
fsr-3297	158	82	1	1	NUM
fsr-3297	158	83	214.44	214.44	NUM
fsr-3297	158	84	�	�	NOUN
fsr-3297	158	85	1	1	NUM
fsr-3297	158	86	1	1	NUM
fsr-3297	158	87	�	�	PROPN
fsr-3297	158	88	irr	irr	NOUN
fsr-3297	158	89	12	12	NUM
fsr-3297	158	90	�	�	PROPN
fsr-3297	158	91	n	n	CCONJ
fsr-3297	158	92	�	�	PROPN
fsr-3297	158	93	�	�	PROPN
fsr-3297	158	94	1	1	NUM
fsr-3297	158	95	1	1	NUM
fsr-3297	158	96	�	�	PROPN
fsr-3297	158	97	irr	irr	NOUN
fsr-3297	158	98	12	12	NUM
fsr-3297	158	99	�	�	PROPN
fsr-3297	158	100	�	�	PROPN
fsr-3297	158	101	66	66	NUM
fsr-3297	158	102	�	�	PROPN
fsr-3297	158	103	62	62	NUM
fsr-3297	158	104	�	�	PROPN
fsr-3297	158	105	�	�	PROPN
fsr-3297	158	106	12	12	NUM
fsr-3297	158	107	the	the	DET
fsr-3297	158	108	irr	irr	NOUN
fsr-3297	158	109	that	that	PRON
fsr-3297	158	110	equates	equate	VERB
fsr-3297	158	111	both	both	DET
fsr-3297	158	112	sides	side	NOUN
fsr-3297	158	113	is	be	AUX
fsr-3297	158	114	equal	equal	ADJ
fsr-3297	158	115	to	to	ADP
fsr-3297	158	116	5.5291	5.5291	NUM
fsr-3297	158	117	%	%	NOUN
fsr-3297	158	118	(	(	PUNCT
fsr-3297	158	119	see	see	VERB
fsr-3297	158	120	table	table	NOUN
fsr-3297	158	121	2a	2a	NUM
fsr-3297	158	122	)	)	PUNCT
fsr-3297	158	123	or	or	CCONJ
fsr-3297	158	124	approximately	approximately	ADV
fsr-3297	158	125	5.53	5.53	NUM
fsr-3297	158	126	%	%	NOUN
fsr-3297	158	127	.	.	PUNCT
fsr-3297	159	1	if	if	SCONJ
fsr-3297	159	2	the	the	DET
fsr-3297	159	3	couple	couple	NOUN
fsr-3297	159	4	’s	’s	PART
fsr-3297	159	5	opportunity	opportunity	NOUN
fsr-3297	159	6	costs	cost	NOUN
fsr-3297	159	7	are	be	AUX
fsr-3297	159	8	less	less	ADJ
fsr-3297	159	9	(	(	PUNCT
fsr-3297	159	10	greater	great	ADJ
fsr-3297	159	11	)	)	PUNCT
fsr-3297	159	12	than	than	ADP
fsr-3297	159	13	5.53	5.53	NUM
fsr-3297	159	14	%	%	NOUN
fsr-3297	159	15	,	,	PUNCT
fsr-3297	159	16	then	then	ADV
fsr-3297	159	17	they	they	PRON
fsr-3297	159	18	should	should	AUX
fsr-3297	159	19	retire	retire	VERB
fsr-3297	159	20	at	at	ADP
fsr-3297	159	21	the	the	DET
fsr-3297	159	22	later	later	ADV
fsr-3297	159	23	(	(	PUNCT
fsr-3297	159	24	earlier	early	ADJ
fsr-3297	159	25	)	)	PUNCT
fsr-3297	159	26	age	age	NOUN
fsr-3297	159	27	.	.	PUNCT
fsr-3297	160	1	assume	assume	VERB
fsr-3297	160	2	michael	michael	PROPN
fsr-3297	160	3	’s	’s	PROPN
fsr-3297	160	4	ssb	ssb	PROPN
fsr-3297	160	5	at	at	ADP
fsr-3297	160	6	fra	fra	NOUN
fsr-3297	160	7	of	of	ADP
fsr-3297	160	8	66	66	NUM
fsr-3297	160	9	is	be	AUX
fsr-3297	160	10	$	$	SYM
fsr-3297	160	11	1,600	1,600	NUM
fsr-3297	160	12	per	per	ADP
fsr-3297	160	13	month	month	NOUN
fsr-3297	160	14	and	and	CCONJ
fsr-3297	160	15	his	his	PRON
fsr-3297	160	16	early	early	ADJ
fsr-3297	160	17	retirement	retirement	NOUN
fsr-3297	160	18	benefit	benefit	NOUN
fsr-3297	160	19	is	be	AUX
fsr-3297	160	20	75	75	NUM
fsr-3297	160	21	%	%	NOUN
fsr-3297	160	22	or	or	CCONJ
fsr-3297	160	23	$	$	SYM
fsr-3297	160	24	1,200	1,200	NUM
fsr-3297	160	25	per	per	ADP
fsr-3297	160	26	month	month	NOUN
fsr-3297	160	27	at	at	ADP
fsr-3297	160	28	age	age	NOUN
fsr-3297	160	29	62	62	NUM
fsr-3297	160	30	.	.	PUNCT
fsr-3297	161	1	based	base	VERB
fsr-3297	161	2	on	on	ADP
fsr-3297	161	3	michael	michael	PROPN
fsr-3297	161	4	’s	’s	PART
fsr-3297	161	5	fra	fra	NOUN
fsr-3297	161	6	benefit	benefit	NOUN
fsr-3297	161	7	of	of	ADP
fsr-3297	161	8	$	$	SYM
fsr-3297	161	9	1,600	1,600	NUM
fsr-3297	161	10	per	per	ADP
fsr-3297	161	11	month	month	NOUN
fsr-3297	161	12	,	,	PUNCT
fsr-3297	161	13	angela	angela	PROPN
fsr-3297	161	14	’s	’s	PART
fsr-3297	161	15	ssb	ssb	PROPN
fsr-3297	161	16	will	will	AUX
fsr-3297	161	17	be	be	AUX
fsr-3297	161	18	35	35	NUM
fsr-3297	161	19	%	%	NOUN
fsr-3297	161	20	of	of	ADP
fsr-3297	161	21	$	$	SYM
fsr-3297	161	22	1,600	1,600	NUM
fsr-3297	161	23	or	or	CCONJ
fsr-3297	161	24	$	$	SYM
fsr-3297	161	25	560	560	NUM
fsr-3297	161	26	per	per	ADP
fsr-3297	161	27	month	month	NOUN
fsr-3297	161	28	at	at	ADP
fsr-3297	161	29	age	age	NOUN
fsr-3297	161	30	62	62	NUM
fsr-3297	161	31	.	.	PUNCT
fsr-3297	162	1	at	at	ADP
fsr-3297	162	2	age	age	NOUN
fsr-3297	162	3	66	66	NUM
fsr-3297	162	4	michael	michael	PROPN
fsr-3297	162	5	will	will	AUX
fsr-3297	162	6	receive	receive	VERB
fsr-3297	162	7	$	$	SYM
fsr-3297	162	8	1,600	1,600	NUM
fsr-3297	162	9	per	per	ADP
fsr-3297	162	10	month	month	NOUN
fsr-3297	162	11	and	and	CCONJ
fsr-3297	162	12	angela	angela	PROPN
fsr-3297	162	13	will	will	AUX
fsr-3297	162	14	receive	receive	VERB
fsr-3297	162	15	50	50	NUM
fsr-3297	162	16	%	%	NOUN
fsr-3297	162	17	of	of	ADP
fsr-3297	162	18	$	$	SYM
fsr-3297	162	19	1,600	1,600	NUM
fsr-3297	162	20	or	or	CCONJ
fsr-3297	162	21	$	$	SYM
fsr-3297	162	22	800	800	NUM
fsr-3297	162	23	per	per	ADP
fsr-3297	162	24	month	month	NOUN
fsr-3297	162	25	.	.	PUNCT
fsr-3297	163	1	if	if	SCONJ
fsr-3297	163	2	the	the	DET
fsr-3297	163	3	current	current	ADJ
fsr-3297	163	4	market	market	NOUN
fsr-3297	163	5	interest	interest	NOUN
fsr-3297	163	6	rate	rate	NOUN
fsr-3297	163	7	is	be	AUX
fsr-3297	163	8	5	5	NUM
fsr-3297	163	9	%	%	NOUN
fsr-3297	163	10	,	,	PUNCT
fsr-3297	163	11	then	then	ADV
fsr-3297	163	12	the	the	DET
fsr-3297	163	13	present	present	ADJ
fsr-3297	163	14	value	value	NOUN
fsr-3297	163	15	(	(	PUNCT
fsr-3297	163	16	pv	pv	NOUN
fsr-3297	163	17	)	)	PUNCT
fsr-3297	163	18	of	of	ADP
fsr-3297	163	19	the	the	DET
fsr-3297	163	20	left	left	ADJ
fsr-3297	163	21	-	-	PUNCT
fsr-3297	163	22	hand	hand	NOUN
fsr-3297	163	23	side	side	NOUN
fsr-3297	163	24	of	of	ADP
fsr-3297	163	25	the	the	DET
fsr-3297	163	26	equation	equation	NOUN
fsr-3297	163	27	(	(	PUNCT
fsr-3297	163	28	retire	retire	VERB
fsr-3297	163	29	early	early	ADV
fsr-3297	163	30	at	at	ADP
fsr-3297	163	31	age	age	NOUN
fsr-3297	163	32	62	62	NUM
fsr-3297	163	33	)	)	PUNCT
fsr-3297	163	34	is	be	AUX
fsr-3297	163	35	$	$	SYM
fsr-3297	163	36	164,070	164,070	NUM
fsr-3297	163	37	(	(	PUNCT
fsr-3297	163	38	michael	michael	PROPN
fsr-3297	163	39	)	)	PUNCT
fsr-3297	163	40	plus	plus	CCONJ
fsr-3297	163	41	$	$	SYM
fsr-3297	163	42	86,603	86,603	NUM
fsr-3297	163	43	(	(	PUNCT
fsr-3297	163	44	angela	angela	PROPN
fsr-3297	163	45	)	)	PUNCT
fsr-3297	163	46	for	for	ADP
fsr-3297	163	47	a	a	DET
fsr-3297	163	48	total	total	NOUN
fsr-3297	163	49	of	of	ADP
fsr-3297	163	50	$	$	SYM
fsr-3297	163	51	250,673	250,673	NUM
fsr-3297	163	52	.	.	PUNCT
fsr-3297	164	1	the	the	DET
fsr-3297	164	2	pv	pv	NOUN
fsr-3297	164	3	of	of	ADP
fsr-3297	164	4	the	the	DET
fsr-3297	164	5	right	right	ADJ
fsr-3297	164	6	-	-	PUNCT
fsr-3297	164	7	hand	hand	NOUN
fsr-3297	164	8	side	side	NOUN
fsr-3297	164	9	of	of	ADP
fsr-3297	164	10	the	the	DET
fsr-3297	164	11	equation	equation	NOUN
fsr-3297	164	12	(	(	PUNCT
fsr-3297	164	13	delay	delay	VERB
fsr-3297	164	14	retirement	retirement	NOUN
fsr-3297	164	15	to	to	ADP
fsr-3297	164	16	age	age	NOUN
fsr-3297	164	17	66	66	NUM
fsr-3297	164	18	)	)	PUNCT
fsr-3297	164	19	is	be	AUX
fsr-3297	164	20	$	$	SYM
fsr-3297	164	21	162,038	162,038	NUM
fsr-3297	164	22	(	(	PUNCT
fsr-3297	164	23	michael	michael	PROPN
fsr-3297	164	24	)	)	PUNCT
fsr-3297	164	25	and	and	CCONJ
fsr-3297	164	26	$	$	SYM
fsr-3297	164	27	92,787	92,787	NUM
fsr-3297	164	28	(	(	PUNCT
fsr-3297	164	29	angela	angela	PROPN
fsr-3297	164	30	)	)	PUNCT
fsr-3297	164	31	for	for	ADP
fsr-3297	164	32	a	a	DET
fsr-3297	164	33	total	total	NOUN
fsr-3297	164	34	of	of	ADP
fsr-3297	164	35	$	$	SYM
fsr-3297	164	36	254,825	254,825	NUM
fsr-3297	164	37	.	.	PUNCT
fsr-3297	165	1	this	this	DET
fsr-3297	165	2	results	result	VERB
fsr-3297	165	3	in	in	ADP
fsr-3297	165	4	a	a	DET
fsr-3297	165	5	difference	difference	NOUN
fsr-3297	165	6	95d.s	95d.s	NUM
fsr-3297	165	7	.	.	PUNCT
fsr-3297	166	1	docking	dock	VERB
fsr-3297	166	2	et	et	NOUN
fsr-3297	166	3	al	al	PROPN
fsr-3297	166	4	.	.	PUNCT
fsr-3297	166	5	/	/	SYM
fsr-3297	166	6	financial	financial	ADJ
fsr-3297	166	7	services	service	NOUN
fsr-3297	166	8	review	review	VERB
fsr-3297	166	9	26	26	NUM
fsr-3297	166	10	(	(	PUNCT
fsr-3297	166	11	2017	2017	NUM
fsr-3297	166	12	)	)	PUNCT
fsr-3297	166	13	87–111	87–111	PROPN
fsr-3297	166	14	of	of	ADP
fsr-3297	166	15	$	$	SYM
fsr-3297	166	16	4,152	4,152	NUM
fsr-3297	166	17	,	,	PUNCT
fsr-3297	166	18	implying	imply	VERB
fsr-3297	166	19	that	that	SCONJ
fsr-3297	166	20	michael	michael	PROPN
fsr-3297	166	21	and	and	CCONJ
fsr-3297	166	22	angela	angela	PROPN
fsr-3297	166	23	should	should	AUX
fsr-3297	166	24	wait	wait	VERB
fsr-3297	166	25	until	until	SCONJ
fsr-3297	166	26	age	age	NOUN
fsr-3297	166	27	66	66	NUM
fsr-3297	166	28	to	to	PART
fsr-3297	166	29	retire	retire	VERB
fsr-3297	166	30	.	.	PUNCT
fsr-3297	167	1	if	if	SCONJ
fsr-3297	167	2	michael	michael	PROPN
fsr-3297	167	3	and	and	CCONJ
fsr-3297	167	4	angela	angela	PROPN
fsr-3297	167	5	believe	believe	VERB
fsr-3297	167	6	they	they	PRON
fsr-3297	167	7	could	could	AUX
fsr-3297	167	8	invest	invest	VERB
fsr-3297	167	9	their	their	PRON
fsr-3297	167	10	monthly	monthly	ADJ
fsr-3297	167	11	ssb	ssb	NOUN
fsr-3297	167	12	at	at	ADP
fsr-3297	167	13	5.53	5.53	NUM
fsr-3297	167	14	%	%	NOUN
fsr-3297	167	15	or	or	CCONJ
fsr-3297	167	16	greater	great	ADJ
fsr-3297	167	17	over	over	ADP
fsr-3297	167	18	the	the	DET
fsr-3297	167	19	next	next	ADJ
fsr-3297	167	20	four	four	NUM
fsr-3297	167	21	years	year	NOUN
fsr-3297	167	22	,	,	PUNCT
fsr-3297	167	23	then	then	ADV
fsr-3297	167	24	they	they	PRON
fsr-3297	167	25	should	should	AUX
fsr-3297	167	26	retire	retire	VERB
fsr-3297	167	27	early	early	ADV
fsr-3297	167	28	,	,	PUNCT
fsr-3297	167	29	at	at	ADP
fsr-3297	167	30	age	age	NOUN
fsr-3297	167	31	62	62	NUM
fsr-3297	167	32	;	;	PUNCT
fsr-3297	167	33	if	if	SCONJ
fsr-3297	167	34	not	not	PART
fsr-3297	167	35	,	,	PUNCT
fsr-3297	167	36	they	they	PRON
fsr-3297	167	37	should	should	AUX
fsr-3297	167	38	delay	delay	VERB
fsr-3297	167	39	retirement	retirement	NOUN
fsr-3297	167	40	until	until	ADP
fsr-3297	167	41	age	age	NOUN
fsr-3297	167	42	66	66	NUM
fsr-3297	167	43	.	.	PUNCT
fsr-3297	168	1	of	of	ADP
fsr-3297	168	2	course	course	ADV
fsr-3297	168	3	,	,	PUNCT
fsr-3297	168	4	this	this	PRON
fsr-3297	168	5	assumes	assume	VERB
fsr-3297	168	6	they	they	PRON
fsr-3297	168	7	do	do	AUX
fsr-3297	168	8	not	not	PART
fsr-3297	168	9	need	need	VERB
fsr-3297	168	10	any	any	PRON
fsr-3297	168	11	of	of	ADP
fsr-3297	168	12	their	their	PRON
fsr-3297	168	13	ssb	ssb	NOUN
fsr-3297	168	14	on	on	ADP
fsr-3297	168	15	which	which	PRON
fsr-3297	168	16	to	to	PART
fsr-3297	168	17	live	live	VERB
fsr-3297	168	18	;	;	PUNCT
fsr-3297	168	19	a	a	DET
fsr-3297	168	20	highly	highly	ADV
fsr-3297	168	21	unlikely	unlikely	ADJ
fsr-3297	168	22	assumption	assumption	NOUN
fsr-3297	168	23	.	.	PUNCT
fsr-3297	169	1	5.2	5.2	NUM
fsr-3297	169	2	.	.	PUNCT
fsr-3297	169	3	spouse	spouse	NOUN
fsr-3297	169	4	earner	earner	NOUN
fsr-3297	169	5	,	,	PUNCT
fsr-3297	169	6	spouse	spouse	NOUN
fsr-3297	169	7	age	age	NOUN
fsr-3297	169	8	�	�	PROPN
fsr-3297	169	9	spouse	spouse	NOUN
fsr-3297	169	10	age	age	NOUN
fsr-3297	169	11	,	,	PUNCT
fsr-3297	169	12	spouse	spouse	NOUN
fsr-3297	169	13	and	and	CCONJ
fsr-3297	169	14	spouse	spouse	NOUN
fsr-3297	169	15	retire	retire	NOUN
fsr-3297	169	16	at	at	ADP
fsr-3297	169	17	same	same	ADJ
fsr-3297	169	18	time	time	NOUN
fsr-3297	169	19	now	now	ADV
fsr-3297	169	20	,	,	PUNCT
fsr-3297	169	21	assume	assume	VERB
fsr-3297	169	22	angela	angela	PROPN
fsr-3297	169	23	was	be	AUX
fsr-3297	169	24	born	bear	VERB
fsr-3297	169	25	in	in	ADP
fsr-3297	169	26	1952	1952	NUM
fsr-3297	169	27	and	and	CCONJ
fsr-3297	169	28	is	be	AUX
fsr-3297	169	29	four	four	NUM
fsr-3297	169	30	years	year	NOUN
fsr-3297	169	31	younger	young	ADJ
fsr-3297	169	32	than	than	ADP
fsr-3297	169	33	michael	michael	PROPN
fsr-3297	169	34	.	.	PUNCT
fsr-3297	170	1	there	there	PRON
fsr-3297	170	2	is	be	VERB
fsr-3297	170	3	an	an	DET
fsr-3297	170	4	additional	additional	ADJ
fsr-3297	170	5	four	four	NUM
fsr-3297	170	6	years	year	NOUN
fsr-3297	170	7	of	of	ADP
fsr-3297	170	8	discounting	discount	VERB
fsr-3297	170	9	required	require	VERB
fsr-3297	170	10	(	(	PUNCT
fsr-3297	170	11	48	48	NUM
fsr-3297	170	12	months	month	NOUN
fsr-3297	170	13	)	)	PUNCT
fsr-3297	170	14	for	for	ADP
fsr-3297	170	15	the	the	DET
fsr-3297	170	16	spouse	spouse	NOUN
fsr-3297	170	17	’s	’s	PART
fsr-3297	170	18	spousal	spousal	NOUN
fsr-3297	170	19	benefits	benefit	NOUN
fsr-3297	170	20	at	at	ADP
fsr-3297	170	21	both	both	DET
fsr-3297	170	22	age	age	NOUN
fsr-3297	170	23	62	62	NUM
fsr-3297	170	24	and	and	CCONJ
fsr-3297	170	25	66	66	NUM
fsr-3297	170	26	.	.	PUNCT
fsr-3297	171	1	this	this	PRON
fsr-3297	171	2	is	be	AUX
fsr-3297	171	3	reflected	reflect	VERB
fsr-3297	171	4	in	in	ADP
fsr-3297	171	5	the	the	DET
fsr-3297	171	6	following	follow	VERB
fsr-3297	171	7	formula	formula	NOUN
fsr-3297	171	8	:	:	PUNCT
fsr-3297	171	9	75	75	NUM
fsr-3297	171	10	%	%	NOUN
fsr-3297	171	11	�	�	PROPN
fsr-3297	171	12	�	�	PROPN
fsr-3297	171	13	1	1	NUM
fsr-3297	171	14	202.8	202.8	NUM
fsr-3297	171	15	�	�	NOUN
fsr-3297	171	16	1	1	NUM
fsr-3297	171	17	1	1	NUM
fsr-3297	171	18	�	�	PROPN
fsr-3297	171	19	irr	irr	NOUN
fsr-3297	171	20	12	12	NUM
fsr-3297	171	21	�	�	PROPN
fsr-3297	171	22	i	i	PRON
fsr-3297	171	23	�	�	PROPN
fsr-3297	171	24	35	35	NUM
fsr-3297	171	25	%	%	NOUN
fsr-3297	171	26	�	�	PROPN
fsr-3297	171	27	�	�	PROPN
fsr-3297	171	28	1	1	NUM
fsr-3297	171	29	248.64	248.64	NUM
fsr-3297	171	30	�	�	NOUN
fsr-3297	171	31	1	1	NUM
fsr-3297	171	32	1	1	NUM
fsr-3297	171	33	�	�	PROPN
fsr-3297	171	34	irr	irr	NOUN
fsr-3297	171	35	12	12	NUM
fsr-3297	171	36	�	�	PROPN
fsr-3297	171	37	j	j	PROPN
fsr-3297	171	38	�	�	PROPN
fsr-3297	171	39	�	�	PROPN
fsr-3297	171	40	1	1	NUM
fsr-3297	171	41	1	1	NUM
fsr-3297	171	42	�	�	PROPN
fsr-3297	171	43	irr	irr	NOUN
fsr-3297	171	44	12	12	NUM
fsr-3297	171	45	�	�	PROPN
fsr-3297	171	46	�	�	PROPN
fsr-3297	171	47	4	4	NUM
fsr-3297	171	48	�	�	PROPN
fsr-3297	171	49	12	12	NUM
fsr-3297	171	50	�	�	PROPN
fsr-3297	171	51	�	�	PROPN
fsr-3297	171	52	100	100	NUM
fsr-3297	171	53	%	%	NOUN
fsr-3297	171	54	�	�	PROPN
fsr-3297	171	55	�	�	PROPN
fsr-3297	171	56	1	1	NUM
fsr-3297	171	57	174.12	174.12	NUM
fsr-3297	171	58	�	�	NOUN
fsr-3297	171	59	1	1	NUM
fsr-3297	171	60	1	1	NUM
fsr-3297	171	61	�	�	PROPN
fsr-3297	171	62	irr	irr	NOUN
fsr-3297	171	63	12	12	NUM
fsr-3297	171	64	�	�	PROPN
fsr-3297	171	65	m	m	NUM
fsr-3297	171	66	�	�	PROPN
fsr-3297	171	67	�	�	PROPN
fsr-3297	171	68	1	1	NUM
fsr-3297	171	69	1	1	NUM
fsr-3297	171	70	�	�	PROPN
fsr-3297	171	71	irr	irr	NOUN
fsr-3297	171	72	12	12	NUM
fsr-3297	171	73	�	�	PROPN
fsr-3297	171	74	�	�	PROPN
fsr-3297	171	75	66	66	NUM
fsr-3297	171	76	�	�	PROPN
fsr-3297	171	77	62	62	NUM
fsr-3297	171	78	�	�	PROPN
fsr-3297	171	79	�	�	PROPN
fsr-3297	171	80	12	12	NUM
fsr-3297	171	81	�	�	PROPN
fsr-3297	171	82	50	50	NUM
fsr-3297	171	83	%	%	NOUN
fsr-3297	171	84	�	�	PROPN
fsr-3297	171	85	�	�	PROPN
fsr-3297	171	86	1	1	NUM
fsr-3297	171	87	214.44	214.44	NUM
fsr-3297	171	88	�	�	NOUN
fsr-3297	171	89	1	1	NUM
fsr-3297	171	90	1	1	NUM
fsr-3297	171	91	�	�	PROPN
fsr-3297	171	92	irr	irr	NOUN
fsr-3297	171	93	12	12	NUM
fsr-3297	171	94	�	�	PROPN
fsr-3297	171	95	n	n	CCONJ
fsr-3297	171	96	�	�	PROPN
fsr-3297	171	97	�	�	PROPN
fsr-3297	171	98	1	1	NUM
fsr-3297	171	99	1	1	NUM
fsr-3297	171	100	�	�	PROPN
fsr-3297	171	101	irr	irr	NOUN
fsr-3297	171	102	12	12	NUM
fsr-3297	171	103	�	�	PROPN
fsr-3297	171	104	�	�	PROPN
fsr-3297	171	105	66	66	NUM
fsr-3297	171	106	�	�	PROPN
fsr-3297	171	107	62	62	NUM
fsr-3297	171	108	�	�	PROPN
fsr-3297	171	109	�	�	PROPN
fsr-3297	171	110	12	12	NUM
fsr-3297	171	111	�	�	PROPN
fsr-3297	171	112	�	�	PROPN
fsr-3297	171	113	1	1	NUM
fsr-3297	171	114	1	1	NUM
fsr-3297	171	115	�	�	PROPN
fsr-3297	171	116	irr	irr	NOUN
fsr-3297	171	117	12	12	NUM
fsr-3297	171	118	�	�	PROPN
fsr-3297	171	119	�	�	PROPN
fsr-3297	171	120	4	4	NUM
fsr-3297	171	121	�	�	PROPN
fsr-3297	171	122	12	12	NUM
fsr-3297	171	123	�	�	PROPN
fsr-3297	171	124	note	note	NOUN
fsr-3297	171	125	that	that	SCONJ
fsr-3297	171	126	the	the	DET
fsr-3297	171	127	age	age	NOUN
fsr-3297	171	128	62	62	NUM
fsr-3297	171	129	spousal	spousal	NOUN
fsr-3297	171	130	benefits	benefit	NOUN
fsr-3297	171	131	are	be	AUX
fsr-3297	171	132	now	now	ADV
fsr-3297	171	133	discounted	discount	VERB
fsr-3297	171	134	48	48	NUM
fsr-3297	171	135	months	month	NOUN
fsr-3297	171	136	(	(	PUNCT
fsr-3297	171	137	instead	instead	ADV
fsr-3297	171	138	of	of	ADP
fsr-3297	171	139	none	none	NOUN
fsr-3297	171	140	previously	previously	ADV
fsr-3297	171	141	)	)	PUNCT
fsr-3297	171	142	and	and	CCONJ
fsr-3297	171	143	the	the	DET
fsr-3297	171	144	age	age	NOUN
fsr-3297	171	145	66	66	NUM
fsr-3297	171	146	spousal	spousal	NOUN
fsr-3297	171	147	benefits	benefit	NOUN
fsr-3297	171	148	are	be	AUX
fsr-3297	171	149	now	now	ADV
fsr-3297	171	150	discounted	discount	VERB
fsr-3297	171	151	96	96	NUM
fsr-3297	171	152	months	month	NOUN
fsr-3297	171	153	instead	instead	ADV
fsr-3297	171	154	of	of	ADP
fsr-3297	171	155	48	48	NUM
fsr-3297	171	156	months	month	NOUN
fsr-3297	171	157	.	.	PUNCT
fsr-3297	172	1	using	use	VERB
fsr-3297	172	2	excel	excel	NOUN
fsr-3297	172	3	we	we	PRON
fsr-3297	172	4	find	find	VERB
fsr-3297	172	5	the	the	DET
fsr-3297	172	6	be	be	AUX
fsr-3297	172	7	irr	irr	NOUN
fsr-3297	172	8	is	be	AUX
fsr-3297	172	9	5.4042	5.4042	NUM
fsr-3297	172	10	%	%	NOUN
fsr-3297	172	11	(	(	PUNCT
fsr-3297	172	12	approximately	approximately	ADV
fsr-3297	172	13	5.40	5.40	NUM
fsr-3297	172	14	%	%	NOUN
fsr-3297	172	15	)	)	PUNCT
fsr-3297	172	16	that	that	PRON
fsr-3297	172	17	is	be	AUX
fsr-3297	172	18	reflected	reflect	VERB
fsr-3297	172	19	in	in	ADP
fsr-3297	172	20	table	table	NOUN
fsr-3297	172	21	2a	2a	NUM
fsr-3297	172	22	with	with	ADP
fsr-3297	172	23	a	a	DET
fsr-3297	172	24	four	four	NUM
fsr-3297	172	25	year	year	NOUN
fsr-3297	172	26	age	age	NOUN
fsr-3297	172	27	difference	difference	NOUN
fsr-3297	172	28	.	.	PUNCT
fsr-3297	173	1	if	if	SCONJ
fsr-3297	173	2	the	the	DET
fsr-3297	173	3	couple	couple	NOUN
fsr-3297	173	4	’s	’s	PART
fsr-3297	173	5	opportunity	opportunity	NOUN
fsr-3297	173	6	costs	cost	NOUN
fsr-3297	173	7	are	be	AUX
fsr-3297	173	8	less	less	ADJ
fsr-3297	173	9	(	(	PUNCT
fsr-3297	173	10	greater	great	ADJ
fsr-3297	173	11	)	)	PUNCT
fsr-3297	173	12	than	than	ADP
fsr-3297	173	13	5.40	5.40	NUM
fsr-3297	173	14	%	%	NOUN
fsr-3297	173	15	,	,	PUNCT
fsr-3297	173	16	then	then	ADV
fsr-3297	173	17	they	they	PRON
fsr-3297	173	18	should	should	AUX
fsr-3297	173	19	retire	retire	VERB
fsr-3297	173	20	at	at	ADP
fsr-3297	173	21	the	the	DET
fsr-3297	173	22	later	later	ADV
fsr-3297	173	23	(	(	PUNCT
fsr-3297	173	24	earlier	early	ADJ
fsr-3297	173	25	)	)	PUNCT
fsr-3297	173	26	age	age	NOUN
fsr-3297	173	27	.	.	PUNCT
fsr-3297	174	1	again	again	ADV
fsr-3297	174	2	,	,	PUNCT
fsr-3297	174	3	if	if	SCONJ
fsr-3297	174	4	we	we	PRON
fsr-3297	174	5	assume	assume	VERB
fsr-3297	174	6	michael	michael	PROPN
fsr-3297	174	7	’s	’s	PART
fsr-3297	174	8	ssb	ssb	PROPN
fsr-3297	174	9	at	at	ADP
fsr-3297	174	10	fra	fra	NOUN
fsr-3297	174	11	of	of	ADP
fsr-3297	174	12	66	66	NUM
fsr-3297	174	13	is	be	AUX
fsr-3297	174	14	$	$	SYM
fsr-3297	174	15	1,600	1,600	NUM
fsr-3297	174	16	per	per	ADP
fsr-3297	174	17	month	month	NOUN
fsr-3297	174	18	and	and	CCONJ
fsr-3297	174	19	if	if	SCONJ
fsr-3297	174	20	the	the	DET
fsr-3297	174	21	current	current	ADJ
fsr-3297	174	22	market	market	NOUN
fsr-3297	174	23	interest	interest	NOUN
fsr-3297	174	24	rate	rate	NOUN
fsr-3297	174	25	is	be	AUX
fsr-3297	174	26	5	5	NUM
fsr-3297	174	27	%	%	NOUN
fsr-3297	174	28	,	,	PUNCT
fsr-3297	174	29	then	then	ADV
fsr-3297	174	30	the	the	DET
fsr-3297	174	31	pv	pv	NOUN
fsr-3297	174	32	of	of	ADP
fsr-3297	174	33	the	the	DET
fsr-3297	174	34	left	left	ADJ
fsr-3297	174	35	-	-	PUNCT
fsr-3297	174	36	hand	hand	NOUN
fsr-3297	174	37	side	side	NOUN
fsr-3297	174	38	of	of	ADP
fsr-3297	174	39	the	the	DET
fsr-3297	174	40	equation	equation	NOUN
fsr-3297	174	41	(	(	PUNCT
fsr-3297	174	42	retire	retire	VERB
fsr-3297	174	43	early	early	ADV
fsr-3297	174	44	at	at	ADP
fsr-3297	174	45	age	age	NOUN
fsr-3297	174	46	62	62	NUM
fsr-3297	174	47	)	)	PUNCT
fsr-3297	174	48	is	be	AUX
fsr-3297	174	49	$	$	SYM
fsr-3297	174	50	164,070	164,070	NUM
fsr-3297	174	51	(	(	PUNCT
fsr-3297	174	52	michael	michael	PROPN
fsr-3297	174	53	)	)	PUNCT
fsr-3297	174	54	plus	plus	CCONJ
fsr-3297	174	55	$	$	SYM
fsr-3297	174	56	70,933	70,933	NUM
fsr-3297	174	57	(	(	PUNCT
fsr-3297	174	58	angela	angela	PROPN
fsr-3297	174	59	)	)	PUNCT
fsr-3297	174	60	for	for	ADP
fsr-3297	174	61	a	a	DET
fsr-3297	174	62	total	total	NOUN
fsr-3297	174	63	of	of	ADP
fsr-3297	174	64	$	$	SYM
fsr-3297	174	65	235,003	235,003	NUM
fsr-3297	174	66	.	.	PUNCT
fsr-3297	175	1	the	the	DET
fsr-3297	175	2	pv	pv	NOUN
fsr-3297	175	3	of	of	ADP
fsr-3297	175	4	the	the	DET
fsr-3297	175	5	right	right	ADJ
fsr-3297	175	6	-	-	PUNCT
fsr-3297	175	7	hand	hand	NOUN
fsr-3297	175	8	side	side	NOUN
fsr-3297	175	9	of	of	ADP
fsr-3297	175	10	the	the	DET
fsr-3297	175	11	equation	equation	NOUN
fsr-3297	175	12	(	(	PUNCT
fsr-3297	175	13	delay	delay	VERB
fsr-3297	175	14	retirement	retirement	NOUN
fsr-3297	175	15	to	to	ADP
fsr-3297	175	16	age	age	NOUN
fsr-3297	175	17	66	66	NUM
fsr-3297	175	18	)	)	PUNCT
fsr-3297	175	19	is	be	AUX
fsr-3297	175	20	$	$	SYM
fsr-3297	175	21	162,038	162,038	NUM
fsr-3297	175	22	(	(	PUNCT
fsr-3297	175	23	michael	michael	PROPN
fsr-3297	175	24	)	)	PUNCT
fsr-3297	175	25	and	and	CCONJ
fsr-3297	175	26	$	$	SYM
fsr-3297	175	27	75,999	75,999	NUM
fsr-3297	175	28	(	(	PUNCT
fsr-3297	175	29	angela	angela	PROPN
fsr-3297	175	30	)	)	PUNCT
fsr-3297	175	31	for	for	ADP
fsr-3297	175	32	a	a	DET
fsr-3297	175	33	total	total	NOUN
fsr-3297	175	34	of	of	ADP
fsr-3297	175	35	$	$	SYM
fsr-3297	175	36	238,037	238,037	NUM
fsr-3297	175	37	.	.	PUNCT
fsr-3297	176	1	this	this	DET
fsr-3297	176	2	results	result	VERB
fsr-3297	176	3	in	in	ADP
fsr-3297	176	4	a	a	DET
fsr-3297	176	5	difference	difference	NOUN
fsr-3297	176	6	of	of	ADP
fsr-3297	176	7	$	$	SYM
fsr-3297	176	8	3,034	3,034	NUM
fsr-3297	176	9	,	,	PUNCT
fsr-3297	176	10	implying	imply	VERB
fsr-3297	176	11	that	that	SCONJ
fsr-3297	176	12	michael	michael	PROPN
fsr-3297	176	13	and	and	CCONJ
fsr-3297	176	14	angela	angela	PROPN
fsr-3297	176	15	should	should	AUX
fsr-3297	176	16	wait	wait	VERB
fsr-3297	176	17	until	until	SCONJ
fsr-3297	176	18	age	age	NOUN
fsr-3297	176	19	66	66	NUM
fsr-3297	176	20	to	to	PART
fsr-3297	176	21	retire	retire	VERB
fsr-3297	176	22	.	.	PUNCT
fsr-3297	177	1	if	if	SCONJ
fsr-3297	177	2	michael	michael	PROPN
fsr-3297	177	3	and	and	CCONJ
fsr-3297	177	4	angela	angela	PROPN
fsr-3297	177	5	believe	believe	VERB
fsr-3297	177	6	they	they	PRON
fsr-3297	177	7	could	could	AUX
fsr-3297	177	8	invest	invest	VERB
fsr-3297	177	9	their	their	PRON
fsr-3297	177	10	monthly	monthly	ADJ
fsr-3297	177	11	ssb	ssb	NOUN
fsr-3297	177	12	at	at	ADP
fsr-3297	177	13	5.40	5.40	NUM
fsr-3297	177	14	%	%	NOUN
fsr-3297	177	15	or	or	CCONJ
fsr-3297	177	16	greater	great	ADJ
fsr-3297	177	17	over	over	ADP
fsr-3297	177	18	the	the	DET
fsr-3297	177	19	next	next	ADJ
fsr-3297	177	20	four	four	NUM
fsr-3297	177	21	years	year	NOUN
fsr-3297	177	22	,	,	PUNCT
fsr-3297	177	23	then	then	ADV
fsr-3297	177	24	they	they	PRON
fsr-3297	177	25	should	should	AUX
fsr-3297	177	26	retire	retire	VERB
fsr-3297	177	27	early	early	ADV
fsr-3297	177	28	,	,	PUNCT
fsr-3297	177	29	at	at	ADP
fsr-3297	177	30	age	age	NOUN
fsr-3297	177	31	62	62	NUM
fsr-3297	177	32	;	;	PUNCT
fsr-3297	177	33	if	if	SCONJ
fsr-3297	177	34	not	not	PART
fsr-3297	177	35	,	,	PUNCT
fsr-3297	177	36	they	they	PRON
fsr-3297	177	37	should	should	AUX
fsr-3297	177	38	delay	delay	VERB
fsr-3297	177	39	retirement	retirement	NOUN
fsr-3297	177	40	until	until	ADP
fsr-3297	177	41	age	age	NOUN
fsr-3297	177	42	66	66	NUM
fsr-3297	177	43	.	.	PUNCT
fsr-3297	178	1	again	again	ADV
fsr-3297	178	2	,	,	PUNCT
fsr-3297	178	3	this	this	PRON
fsr-3297	178	4	assumes	assume	VERB
fsr-3297	178	5	they	they	PRON
fsr-3297	178	6	do	do	AUX
fsr-3297	178	7	not	not	PART
fsr-3297	178	8	need	need	VERB
fsr-3297	178	9	any	any	PRON
fsr-3297	178	10	of	of	ADP
fsr-3297	178	11	their	their	PRON
fsr-3297	178	12	ssb	ssb	NOUN
fsr-3297	178	13	on	on	ADP
fsr-3297	178	14	which	which	PRON
fsr-3297	178	15	to	to	PART
fsr-3297	178	16	live	live	VERB
fsr-3297	178	17	.	.	PUNCT
fsr-3297	179	1	now	now	ADV
fsr-3297	179	2	,	,	PUNCT
fsr-3297	179	3	assume	assume	VERB
fsr-3297	179	4	angela	angela	PROPN
fsr-3297	179	5	was	be	AUX
fsr-3297	179	6	born	bear	VERB
fsr-3297	179	7	in	in	ADP
fsr-3297	179	8	1958	1958	NUM
fsr-3297	179	9	and	and	CCONJ
fsr-3297	179	10	is	be	AUX
fsr-3297	179	11	10	10	NUM
fsr-3297	179	12	years	year	NOUN
fsr-3297	179	13	younger	young	ADJ
fsr-3297	179	14	than	than	ADP
fsr-3297	179	15	michael	michael	PROPN
fsr-3297	179	16	.	.	PUNCT
fsr-3297	180	1	there	there	PRON
fsr-3297	180	2	is	be	VERB
fsr-3297	180	3	an	an	DET
fsr-3297	180	4	additional	additional	ADJ
fsr-3297	180	5	10	10	NUM
fsr-3297	180	6	years	year	NOUN
fsr-3297	180	7	of	of	ADP
fsr-3297	180	8	discounting	discount	VERB
fsr-3297	180	9	required	require	VERB
fsr-3297	180	10	(	(	PUNCT
fsr-3297	180	11	120	120	NUM
fsr-3297	180	12	months	month	NOUN
fsr-3297	180	13	)	)	PUNCT
fsr-3297	180	14	for	for	ADP
fsr-3297	180	15	the	the	DET
fsr-3297	180	16	spouse	spouse	NOUN
fsr-3297	180	17	spousal	spousal	NOUN
fsr-3297	180	18	benefits	benefit	NOUN
fsr-3297	180	19	at	at	ADP
fsr-3297	180	20	96	96	NUM
fsr-3297	180	21	d.s	d.s	PROPN
fsr-3297	180	22	.	.	PROPN
fsr-3297	180	23	docking	docking	NOUN
fsr-3297	180	24	et	et	PROPN
fsr-3297	180	25	al	al	PROPN
fsr-3297	180	26	.	.	PUNCT
fsr-3297	180	27	/	/	SYM
fsr-3297	180	28	financial	financial	ADJ
fsr-3297	180	29	services	service	NOUN
fsr-3297	180	30	review	review	VERB
fsr-3297	180	31	26	26	NUM
fsr-3297	180	32	(	(	PUNCT
fsr-3297	180	33	2017	2017	NUM
fsr-3297	180	34	)	)	PUNCT
fsr-3297	180	35	87–111	87–111	NUM
fsr-3297	180	36	both	both	DET
fsr-3297	180	37	age	age	NOUN
fsr-3297	180	38	62	62	NUM
fsr-3297	180	39	and	and	CCONJ
fsr-3297	180	40	66	66	NUM
fsr-3297	180	41	.	.	PUNCT
fsr-3297	181	1	based	base	VERB
fsr-3297	181	2	on	on	ADP
fsr-3297	181	3	current	current	ADJ
fsr-3297	181	4	social	social	ADJ
fsr-3297	181	5	security	security	NOUN
fsr-3297	181	6	requirements	requirement	NOUN
fsr-3297	181	7	,	,	PUNCT
fsr-3297	181	8	michael	michael	PROPN
fsr-3297	181	9	will	will	AUX
fsr-3297	181	10	receive	receive	VERB
fsr-3297	181	11	100	100	NUM
fsr-3297	181	12	%	%	NOUN
fsr-3297	181	13	of	of	ADP
fsr-3297	181	14	his	his	PRON
fsr-3297	181	15	ssb	ssb	NOUN
fsr-3297	181	16	at	at	ADP
fsr-3297	181	17	age	age	NOUN
fsr-3297	181	18	66	66	NUM
fsr-3297	181	19	,	,	PUNCT
fsr-3297	181	20	but	but	CCONJ
fsr-3297	181	21	only	only	ADV
fsr-3297	181	22	75	75	NUM
fsr-3297	181	23	%	%	NOUN
fsr-3297	181	24	of	of	ADP
fsr-3297	181	25	his	his	PRON
fsr-3297	181	26	fra	fra	NOUN
fsr-3297	181	27	benefits	benefit	NOUN
fsr-3297	181	28	at	at	ADP
fsr-3297	181	29	age	age	NOUN
fsr-3297	181	30	62	62	NUM
fsr-3297	181	31	.	.	PUNCT
fsr-3297	182	1	angela	angela	PROPN
fsr-3297	182	2	is	be	AUX
fsr-3297	182	3	able	able	ADJ
fsr-3297	182	4	to	to	PART
fsr-3297	182	5	claim	claim	VERB
fsr-3297	182	6	up	up	ADP
fsr-3297	182	7	to	to	PART
fsr-3297	182	8	47.2	47.2	NUM
fsr-3297	182	9	%	%	NOUN
fsr-3297	182	10	of	of	ADP
fsr-3297	182	11	michael	michael	PROPN
fsr-3297	182	12	’s	’s	PART
fsr-3297	182	13	ssb	ssb	PROPN
fsr-3297	182	14	at	at	ADP
fsr-3297	182	15	age	age	NOUN
fsr-3297	182	16	66	66	NUM
fsr-3297	182	17	,	,	PUNCT
fsr-3297	182	18	but	but	CCONJ
fsr-3297	182	19	only	only	ADV
fsr-3297	182	20	33.3	33.3	NUM
fsr-3297	182	21	%	%	NOUN
fsr-3297	182	22	at	at	ADP
fsr-3297	182	23	age	age	NOUN
fsr-3297	182	24	62.4	62.4	NUM
fsr-3297	182	25	this	this	PRON
fsr-3297	182	26	is	be	AUX
fsr-3297	182	27	reflected	reflect	VERB
fsr-3297	182	28	in	in	ADP
fsr-3297	182	29	the	the	DET
fsr-3297	182	30	following	follow	VERB
fsr-3297	182	31	formula	formula	NOUN
fsr-3297	182	32	:	:	PUNCT
fsr-3297	182	33	75	75	NUM
fsr-3297	182	34	%	%	NOUN
fsr-3297	182	35	�	�	PROPN
fsr-3297	182	36	�	�	PROPN
fsr-3297	182	37	1	1	NUM
fsr-3297	182	38	202.8	202.8	NUM
fsr-3297	182	39	�	�	NOUN
fsr-3297	182	40	1	1	NUM
fsr-3297	182	41	1	1	NUM
fsr-3297	182	42	�	�	PROPN
fsr-3297	182	43	irr	irr	NOUN
fsr-3297	182	44	12	12	NUM
fsr-3297	182	45	�	�	PROPN
fsr-3297	182	46	i	i	PRON
fsr-3297	182	47	�	�	PROPN
fsr-3297	182	48	33.3	33.3	NUM
fsr-3297	182	49	%	%	NOUN
fsr-3297	182	50	�	�	PROPN
fsr-3297	182	51	�	�	PROPN
fsr-3297	182	52	1	1	NUM
fsr-3297	182	53	248.64	248.64	NUM
fsr-3297	182	54	�	�	NOUN
fsr-3297	182	55	1	1	NUM
fsr-3297	182	56	1	1	NUM
fsr-3297	182	57	�	�	PROPN
fsr-3297	182	58	irr	irr	NOUN
fsr-3297	182	59	12	12	NUM
fsr-3297	182	60	�	�	PROPN
fsr-3297	182	61	j	j	PROPN
fsr-3297	182	62	�	�	PROPN
fsr-3297	182	63	�	�	PROPN
fsr-3297	182	64	1	1	NUM
fsr-3297	182	65	1	1	NUM
fsr-3297	182	66	�	�	PROPN
fsr-3297	182	67	irr	irr	NOUN
fsr-3297	182	68	12	12	NUM
fsr-3297	182	69	�	�	PROPN
fsr-3297	182	70	�	�	PROPN
fsr-3297	182	71	10	10	NUM
fsr-3297	182	72	�	�	PROPN
fsr-3297	182	73	12	12	NUM
fsr-3297	182	74	�	�	PROPN
fsr-3297	182	75	�	�	PROPN
fsr-3297	182	76	100	100	NUM
fsr-3297	182	77	%	%	NOUN
fsr-3297	182	78	�	�	PROPN
fsr-3297	182	79	�	�	PROPN
fsr-3297	182	80	1	1	NUM
fsr-3297	182	81	174.12	174.12	NUM
fsr-3297	182	82	�	�	NOUN
fsr-3297	182	83	1	1	NUM
fsr-3297	182	84	1	1	NUM
fsr-3297	182	85	�	�	PROPN
fsr-3297	182	86	irr	irr	NOUN
fsr-3297	182	87	12	12	NUM
fsr-3297	182	88	�	�	PROPN
fsr-3297	182	89	m	m	NUM
fsr-3297	182	90	�	�	PROPN
fsr-3297	182	91	�	�	PROPN
fsr-3297	182	92	1	1	NUM
fsr-3297	182	93	1	1	NUM
fsr-3297	182	94	�	�	PROPN
fsr-3297	182	95	irr	irr	NOUN
fsr-3297	182	96	12	12	NUM
fsr-3297	182	97	�	�	PROPN
fsr-3297	182	98	�	�	PROPN
fsr-3297	182	99	66	66	NUM
fsr-3297	182	100	�	�	PROPN
fsr-3297	182	101	62	62	NUM
fsr-3297	182	102	�	�	PROPN
fsr-3297	182	103	�	�	PROPN
fsr-3297	182	104	12	12	NUM
fsr-3297	182	105	�	�	PROPN
fsr-3297	182	106	47.2	47.2	NUM
fsr-3297	182	107	%	%	NOUN
fsr-3297	182	108	�	�	PROPN
fsr-3297	182	109	�	�	PROPN
fsr-3297	182	110	1	1	NUM
fsr-3297	182	111	214.44	214.44	NUM
fsr-3297	182	112	�	�	NOUN
fsr-3297	182	113	1	1	NUM
fsr-3297	182	114	1	1	NUM
fsr-3297	182	115	�	�	PROPN
fsr-3297	182	116	irr	irr	NOUN
fsr-3297	182	117	12	12	NUM
fsr-3297	182	118	�	�	PROPN
fsr-3297	182	119	n	n	CCONJ
fsr-3297	182	120	�	�	PROPN
fsr-3297	182	121	�	�	PROPN
fsr-3297	182	122	1	1	NUM
fsr-3297	182	123	1	1	NUM
fsr-3297	182	124	�	�	PROPN
fsr-3297	182	125	irr	irr	NOUN
fsr-3297	182	126	12	12	NUM
fsr-3297	182	127	�	�	PROPN
fsr-3297	182	128	�	�	PROPN
fsr-3297	182	129	66	66	NUM
fsr-3297	182	130	�	�	PROPN
fsr-3297	182	131	62	62	NUM
fsr-3297	182	132	�	�	PROPN
fsr-3297	182	133	�	�	PROPN
fsr-3297	182	134	12	12	NUM
fsr-3297	182	135	�	�	PROPN
fsr-3297	182	136	�	�	PROPN
fsr-3297	182	137	1	1	NUM
fsr-3297	182	138	1	1	NUM
fsr-3297	182	139	�	�	PROPN
fsr-3297	182	140	irr	irr	NOUN
fsr-3297	182	141	12	12	NUM
fsr-3297	182	142	�	�	PROPN
fsr-3297	182	143	�	�	PROPN
fsr-3297	182	144	10	10	NUM
fsr-3297	182	145	�	�	PROPN
fsr-3297	182	146	12	12	NUM
fsr-3297	182	147	�	�	PROPN
fsr-3297	182	148	note	note	NOUN
fsr-3297	182	149	that	that	SCONJ
fsr-3297	182	150	the	the	DET
fsr-3297	182	151	age	age	NOUN
fsr-3297	182	152	62	62	NUM
fsr-3297	182	153	spousal	spousal	NOUN
fsr-3297	182	154	benefits	benefit	NOUN
fsr-3297	182	155	are	be	AUX
fsr-3297	182	156	now	now	ADV
fsr-3297	182	157	discounted	discount	VERB
fsr-3297	182	158	120	120	NUM
fsr-3297	182	159	months	month	NOUN
fsr-3297	182	160	and	and	CCONJ
fsr-3297	182	161	the	the	DET
fsr-3297	182	162	age	age	NOUN
fsr-3297	182	163	66	66	NUM
fsr-3297	182	164	spousal	spousal	NOUN
fsr-3297	182	165	benefits	benefit	NOUN
fsr-3297	182	166	are	be	AUX
fsr-3297	182	167	now	now	ADV
fsr-3297	182	168	discounted	discount	VERB
fsr-3297	182	169	168	168	NUM
fsr-3297	182	170	months	month	NOUN
fsr-3297	182	171	.	.	PUNCT
fsr-3297	183	1	using	use	VERB
fsr-3297	183	2	excel	excel	NOUN
fsr-3297	183	3	we	we	PRON
fsr-3297	183	4	find	find	VERB
fsr-3297	183	5	the	the	DET
fsr-3297	183	6	be	be	AUX
fsr-3297	183	7	irr	irr	NOUN
fsr-3297	183	8	is	be	AUX
fsr-3297	183	9	5.1618	5.1618	NUM
fsr-3297	183	10	%	%	NOUN
fsr-3297	183	11	that	that	PRON
fsr-3297	183	12	is	be	AUX
fsr-3297	183	13	reflected	reflect	VERB
fsr-3297	183	14	in	in	ADP
fsr-3297	183	15	table	table	NOUN
fsr-3297	183	16	2a	2a	NUM
fsr-3297	183	17	with	with	ADP
fsr-3297	183	18	a	a	DET
fsr-3297	183	19	10	10	NUM
fsr-3297	183	20	year	year	NOUN
fsr-3297	183	21	age	age	NOUN
fsr-3297	183	22	difference	difference	NOUN
fsr-3297	183	23	.	.	PUNCT
fsr-3297	184	1	5.3	5.3	NUM
fsr-3297	184	2	.	.	PUNCT
fsr-3297	184	3	spouse	spouse	NOUN
fsr-3297	184	4	earner	earner	NOUN
fsr-3297	184	5	,	,	PUNCT
fsr-3297	184	6	spouse	spouse	NOUN
fsr-3297	184	7	age	age	NOUN
fsr-3297	184	8	�	�	PROPN
fsr-3297	184	9	spouse	spouse	NOUN
fsr-3297	184	10	age	age	NOUN
fsr-3297	184	11	,	,	PUNCT
fsr-3297	184	12	spouse	spouse	NOUN
fsr-3297	184	13	and	and	CCONJ
fsr-3297	184	14	spouse	spouse	NOUN
fsr-3297	184	15	retire	retire	NOUN
fsr-3297	184	16	at	at	ADP
fsr-3297	184	17	different	different	ADJ
fsr-3297	184	18	times	time	NOUN
fsr-3297	184	19	to	to	PART
fsr-3297	184	20	illustrate	illustrate	VERB
fsr-3297	184	21	an	an	DET
fsr-3297	184	22	example	example	NOUN
fsr-3297	184	23	from	from	ADP
fsr-3297	184	24	table	table	NOUN
fsr-3297	184	25	3a	3a	NUM
fsr-3297	184	26	again	again	ADV
fsr-3297	184	27	consider	consider	VERB
fsr-3297	184	28	the	the	DET
fsr-3297	184	29	same	same	ADJ
fsr-3297	184	30	couple	couple	NOUN
fsr-3297	184	31	above	above	ADV
fsr-3297	184	32	with	with	ADP
fsr-3297	184	33	a	a	DET
fsr-3297	184	34	four	four	NUM
fsr-3297	184	35	year	year	NOUN
fsr-3297	184	36	age	age	NOUN
fsr-3297	184	37	difference	difference	NOUN
fsr-3297	184	38	but	but	CCONJ
fsr-3297	184	39	with	with	ADP
fsr-3297	184	40	the	the	DET
fsr-3297	184	41	h	h	NOUN
fsr-3297	184	42	/	/	SYM
fsr-3297	184	43	w	w	PROPN
fsr-3297	184	44	early	early	ADJ
fsr-3297	184	45	retirement	retirement	NOUN
fsr-3297	184	46	ages	age	NOUN
fsr-3297	184	47	of	of	ADP
fsr-3297	184	48	66/62	66/62	NUM
fsr-3297	184	49	and	and	CCONJ
fsr-3297	184	50	delayed	delay	VERB
fsr-3297	184	51	retirement	retirement	NOUN
fsr-3297	184	52	ages	age	NOUN
fsr-3297	184	53	of	of	ADP
fsr-3297	184	54	70/66	70/66	NUM
fsr-3297	184	55	.	.	PUNCT
fsr-3297	185	1	the	the	DET
fsr-3297	185	2	formula	formula	NOUN
fsr-3297	185	3	to	to	PART
fsr-3297	185	4	solve	solve	VERB
fsr-3297	185	5	this	this	DET
fsr-3297	185	6	example	example	NOUN
fsr-3297	185	7	would	would	AUX
fsr-3297	185	8	be	be	AUX
fsr-3297	185	9	:	:	PUNCT
fsr-3297	185	10	100	100	NUM
fsr-3297	185	11	%	%	NOUN
fsr-3297	185	12	�	�	PROPN
fsr-3297	185	13	�	�	PROPN
fsr-3297	185	14	1	1	NUM
fsr-3297	185	15	174.12	174.12	NUM
fsr-3297	185	16	�	�	NOUN
fsr-3297	185	17	1	1	NUM
fsr-3297	185	18	1	1	NUM
fsr-3297	185	19	�	�	PROPN
fsr-3297	185	20	irr	irr	NOUN
fsr-3297	185	21	12	12	NUM
fsr-3297	185	22	�	�	PROPN
fsr-3297	185	23	i	i	PRON
fsr-3297	185	24	�	�	PROPN
fsr-3297	185	25	35	35	NUM
fsr-3297	185	26	%	%	NOUN
fsr-3297	185	27	�	�	PROPN
fsr-3297	185	28	�	�	PROPN
fsr-3297	185	29	1	1	NUM
fsr-3297	185	30	248.64	248.64	NUM
fsr-3297	185	31	�	�	NOUN
fsr-3297	185	32	1	1	NUM
fsr-3297	185	33	1	1	NUM
fsr-3297	185	34	�	�	PROPN
fsr-3297	185	35	irr	irr	NOUN
fsr-3297	185	36	12	12	NUM
fsr-3297	185	37	�	�	PROPN
fsr-3297	185	38	j	j	PROPN
fsr-3297	185	39	�	�	PROPN
fsr-3297	185	40	�	�	PROPN
fsr-3297	185	41	�	�	PROPN
fsr-3297	185	42	1	1	NUM
fsr-3297	185	43	1	1	NUM
fsr-3297	185	44	�	�	PROPN
fsr-3297	185	45	irr	irr	NOUN
fsr-3297	185	46	12	12	NUM
fsr-3297	185	47	�	�	PROPN
fsr-3297	185	48	4	4	NUM
fsr-3297	185	49	�	�	PROPN
fsr-3297	185	50	�	�	PROPN
fsr-3297	185	51	66	66	NUM
fsr-3297	185	52	�	�	PROPN
fsr-3297	185	53	62	62	NUM
fsr-3297	185	54	�	�	PROPN
fsr-3297	185	55	�	�	PROPN
fsr-3297	185	56	12	12	NUM
fsr-3297	185	57	�	�	PROPN
fsr-3297	185	58	�	�	PROPN
fsr-3297	185	59	132	132	NUM
fsr-3297	185	60	%	%	NOUN
fsr-3297	185	61	�	�	PROPN
fsr-3297	185	62	�	�	PROPN
fsr-3297	185	63	1	1	NUM
fsr-3297	185	64	147	147	NUM
fsr-3297	185	65	�	�	NOUN
fsr-3297	185	66	1	1	NUM
fsr-3297	185	67	1	1	NUM
fsr-3297	185	68	�	�	PROPN
fsr-3297	185	69	irr	irr	NOUN
fsr-3297	185	70	12	12	NUM
fsr-3297	185	71	�	�	PROPN
fsr-3297	185	72	m	m	NUM
fsr-3297	185	73	�	�	PROPN
fsr-3297	185	74	�	�	PROPN
fsr-3297	185	75	1	1	NUM
fsr-3297	185	76	1	1	NUM
fsr-3297	185	77	�	�	PROPN
fsr-3297	185	78	irr	irr	NOUN
fsr-3297	185	79	12	12	NUM
fsr-3297	185	80	�	�	PROPN
fsr-3297	185	81	�	�	PROPN
fsr-3297	185	82	70	70	NUM
fsr-3297	185	83	�	�	PROPN
fsr-3297	185	84	66	66	NUM
fsr-3297	185	85	�	�	PROPN
fsr-3297	185	86	�	�	PROPN
fsr-3297	185	87	12	12	NUM
fsr-3297	185	88	�	�	PROPN
fsr-3297	185	89	50	50	NUM
fsr-3297	185	90	%	%	NOUN
fsr-3297	185	91	�	�	PROPN
fsr-3297	185	92	�	�	PROPN
fsr-3297	185	93	1	1	NUM
fsr-3297	185	94	214.44	214.44	NUM
fsr-3297	185	95	�	�	NOUN
fsr-3297	185	96	1	1	NUM
fsr-3297	185	97	1	1	NUM
fsr-3297	185	98	�	�	PROPN
fsr-3297	185	99	irr	irr	NOUN
fsr-3297	185	100	12	12	NUM
fsr-3297	185	101	�	�	PROPN
fsr-3297	185	102	n	n	CCONJ
fsr-3297	185	103	�	�	PROPN
fsr-3297	185	104	�	�	PROPN
fsr-3297	185	105	1	1	NUM
fsr-3297	185	106	1	1	NUM
fsr-3297	185	107	�	�	PROPN
fsr-3297	185	108	irr	irr	NOUN
fsr-3297	185	109	12	12	NUM
fsr-3297	185	110	�	�	PROPN
fsr-3297	185	111	�	�	PROPN
fsr-3297	185	112	66	66	NUM
fsr-3297	185	113	�	�	PROPN
fsr-3297	185	114	62	62	NUM
fsr-3297	185	115	�	�	PROPN
fsr-3297	185	116	�	�	PROPN
fsr-3297	185	117	12	12	NUM
fsr-3297	185	118	�	�	PROPN
fsr-3297	185	119	�	�	PROPN
fsr-3297	185	120	�	�	PROPN
fsr-3297	185	121	1	1	NUM
fsr-3297	185	122	1	1	NUM
fsr-3297	185	123	�	�	PROPN
fsr-3297	185	124	irr	irr	NOUN
fsr-3297	185	125	12	12	NUM
fsr-3297	185	126	�	�	PROPN
fsr-3297	185	127	4	4	NUM
fsr-3297	185	128	�	�	PROPN
fsr-3297	185	129	�	�	PROPN
fsr-3297	185	130	70	70	NUM
fsr-3297	185	131	�	�	PROPN
fsr-3297	185	132	66	66	NUM
fsr-3297	185	133	�	�	PROPN
fsr-3297	185	134	�	�	PROPN
fsr-3297	185	135	12	12	NUM
fsr-3297	185	136	�	�	PROPN
fsr-3297	185	137	using	use	VERB
fsr-3297	185	138	excel	excel	NOUN
fsr-3297	185	139	to	to	PART
fsr-3297	185	140	solve	solve	VERB
fsr-3297	185	141	for	for	ADP
fsr-3297	185	142	the	the	DET
fsr-3297	185	143	be	be	NOUN
fsr-3297	185	144	irr	irr	NOUN
fsr-3297	185	145	yields	yield	NOUN
fsr-3297	185	146	4.7984	4.7984	NUM
fsr-3297	185	147	%	%	NOUN
fsr-3297	185	148	or	or	CCONJ
fsr-3297	185	149	approximately	approximately	ADV
fsr-3297	185	150	4.80	4.80	NUM
fsr-3297	185	151	%	%	NOUN
fsr-3297	185	152	(	(	PUNCT
fsr-3297	185	153	see	see	VERB
fsr-3297	185	154	table	table	NOUN
fsr-3297	185	155	3a	3a	NUM
fsr-3297	185	156	)	)	PUNCT
fsr-3297	185	157	.	.	PUNCT
fsr-3297	186	1	97d.s	97d.s	NUM
fsr-3297	186	2	.	.	PUNCT
fsr-3297	186	3	docking	dock	VERB
fsr-3297	186	4	et	et	NOUN
fsr-3297	186	5	al	al	PROPN
fsr-3297	186	6	.	.	PUNCT
fsr-3297	186	7	/	/	SYM
fsr-3297	186	8	financial	financial	ADJ
fsr-3297	186	9	services	service	NOUN
fsr-3297	186	10	review	review	VERB
fsr-3297	186	11	26	26	NUM
fsr-3297	186	12	(	(	PUNCT
fsr-3297	186	13	2017	2017	NUM
fsr-3297	186	14	)	)	PUNCT
fsr-3297	187	1	87–111	87–111	PROPN
fsr-3297	187	2	6	6	NUM
fsr-3297	187	3	.	.	PUNCT
fsr-3297	187	4	results	result	VERB
fsr-3297	187	5	6.1	6.1	NUM
fsr-3297	187	6	.	.	PUNCT
fsr-3297	188	1	retiring	retire	VERB
fsr-3297	188	2	at	at	ADP
fsr-3297	188	3	same	same	ADJ
fsr-3297	188	4	age	age	NOUN
fsr-3297	188	5	the	the	DET
fsr-3297	188	6	results	result	NOUN
fsr-3297	188	7	presented	present	VERB
fsr-3297	188	8	in	in	ADP
fsr-3297	188	9	tables	table	NOUN
fsr-3297	188	10	2a	2a	NUM
fsr-3297	188	11	are	be	AUX
fsr-3297	188	12	from	from	ADP
fsr-3297	188	13	docking	docking	NOUN
fsr-3297	188	14	,	,	PUNCT
fsr-3297	188	15	fortin	fortin	PROPN
fsr-3297	188	16	,	,	PUNCT
fsr-3297	188	17	and	and	CCONJ
fsr-3297	188	18	michelson	michelson	PROPN
fsr-3297	188	19	(	(	PUNCT
fsr-3297	188	20	2015	2015	NUM
fsr-3297	188	21	)	)	PUNCT
fsr-3297	188	22	and	and	CCONJ
fsr-3297	188	23	are	be	AUX
fsr-3297	188	24	based	base	VERB
fsr-3297	188	25	on	on	ADP
fsr-3297	188	26	applying	apply	VERB
fsr-3297	188	27	the	the	DET
fsr-3297	188	28	previously	previously	ADV
fsr-3297	188	29	described	describe	VERB
fsr-3297	188	30	excel	excel	NOUN
fsr-3297	188	31	models	model	NOUN
fsr-3297	188	32	for	for	ADP
fsr-3297	188	33	a	a	DET
fsr-3297	188	34	representative	representative	ADJ
fsr-3297	188	35	baby	baby	NOUN
fsr-3297	188	36	boom	boom	NOUN
fsr-3297	188	37	birth	birth	NOUN
fsr-3297	188	38	year	year	NOUN
fsr-3297	188	39	of	of	ADP
fsr-3297	188	40	1948	1948	NUM
fsr-3297	188	41	for	for	ADP
fsr-3297	188	42	both	both	CCONJ
fsr-3297	188	43	the	the	DET
fsr-3297	188	44	spouse	spouse	NOUN
fsr-3297	188	45	and	and	CCONJ
fsr-3297	188	46	spouse	spouse	NOUN
fsr-3297	188	47	initially	initially	ADV
fsr-3297	188	48	and	and	CCONJ
fsr-3297	189	1	progressively	progressively	ADV
fsr-3297	189	2	later	late	ADJ
fsr-3297	189	3	years	year	NOUN
fsr-3297	189	4	for	for	ADP
fsr-3297	189	5	the	the	DET
fsr-3297	189	6	non	non	ADJ
fsr-3297	189	7	-	-	ADJ
fsr-3297	189	8	working	working	ADJ
fsr-3297	189	9	female	female	ADJ
fsr-3297	189	10	spouse	spouse	NOUN
fsr-3297	189	11	.	.	PUNCT
fsr-3297	190	1	the	the	DET
fsr-3297	190	2	tables	table	NOUN
fsr-3297	190	3	provide	provide	VERB
fsr-3297	190	4	the	the	DET
fsr-3297	190	5	be	be	NOUN
fsr-3297	190	6	irrs	irrs	NOUN
fsr-3297	190	7	for	for	ADP
fsr-3297	190	8	the	the	DET
fsr-3297	190	9	nine	nine	NUM
fsr-3297	190	10	race	race	NOUN
fsr-3297	190	11	/	/	SYM
fsr-3297	190	12	gender	gender	NOUN
fsr-3297	190	13	combinations	combination	NOUN
fsr-3297	190	14	where	where	SCONJ
fsr-3297	190	15	w	w	PROPN
fsr-3297	190	16	�	�	PROPN
fsr-3297	190	17	white	white	PROPN
fsr-3297	190	18	,	,	PUNCT
fsr-3297	190	19	b	b	PROPN
fsr-3297	190	20	�	�	PROPN
fsr-3297	190	21	black	black	PROPN
fsr-3297	190	22	,	,	PUNCT
fsr-3297	190	23	h	h	NOUN
fsr-3297	190	24	�	�	PROPN
fsr-3297	190	25	hispanic	hispanic	PROPN
fsr-3297	190	26	,	,	PUNCT
fsr-3297	190	27	m	m	VERB
fsr-3297	190	28	�	�	NOUN
fsr-3297	190	29	male	male	NOUN
fsr-3297	190	30	,	,	PUNCT
fsr-3297	190	31	and	and	CCONJ
fsr-3297	190	32	f	f	PROPN
fsr-3297	190	33	�	�	PROPN
fsr-3297	190	34	female	female	NOUN
fsr-3297	190	35	.	.	PUNCT
fsr-3297	191	1	the	the	DET
fsr-3297	191	2	nine	nine	NUM
fsr-3297	191	3	race	race	NOUN
fsr-3297	191	4	/	/	SYM
fsr-3297	191	5	gender	gender	NOUN
fsr-3297	191	6	combinations	combination	NOUN
fsr-3297	191	7	are	be	AUX
fsr-3297	191	8	:	:	PUNCT
fsr-3297	191	9	wm_wf	wm_wf	ADJ
fsr-3297	191	10	,	,	PUNCT
fsr-3297	191	11	bm_bf	bm_bf	PROPN
fsr-3297	191	12	,	,	PUNCT
fsr-3297	191	13	hm_hf	hm_hf	PROPN
fsr-3297	191	14	,	,	PUNCT
fsr-3297	191	15	wm_bf	wm_bf	PROPN
fsr-3297	191	16	,	,	PUNCT
fsr-3297	191	17	bm_wf	bm_wf	PROPN
fsr-3297	191	18	,	,	PUNCT
fsr-3297	191	19	wm_hf	wm_hf	PROPN
fsr-3297	191	20	,	,	PUNCT
fsr-3297	191	21	hm_wf	hm_wf	PROPN
fsr-3297	191	22	,	,	PUNCT
fsr-3297	191	23	bm_hf	bm_hf	NOUN
fsr-3297	191	24	,	,	PUNCT
fsr-3297	191	25	and	and	CCONJ
fsr-3297	191	26	hm_bf	hm_bf	PROPN
fsr-3297	191	27	.	.	PUNCT
fsr-3297	192	1	three	three	NUM
fsr-3297	192	2	claiming	claim	VERB
fsr-3297	192	3	scenarios	scenario	NOUN
fsr-3297	192	4	are	be	AUX
fsr-3297	192	5	considered	consider	VERB
fsr-3297	192	6	:	:	PUNCT
fsr-3297	192	7	receiving	receive	VERB
fsr-3297	192	8	benefits	benefit	NOUN
fsr-3297	192	9	early	early	ADV
fsr-3297	192	10	(	(	PUNCT
fsr-3297	192	11	e.g.	e.g.	ADV
fsr-3297	192	12	,	,	PUNCT
fsr-3297	192	13	at	at	ADP
fsr-3297	192	14	age	age	NOUN
fsr-3297	192	15	62	62	NUM
fsr-3297	192	16	vs.	vs.	ADP
fsr-3297	192	17	66	66	NUM
fsr-3297	192	18	)	)	PUNCT
fsr-3297	192	19	;	;	PUNCT
fsr-3297	192	20	the	the	DET
fsr-3297	192	21	maximum	maximum	ADJ
fsr-3297	192	22	realistic	realistic	ADJ
fsr-3297	192	23	delay	delay	NOUN
fsr-3297	192	24	period	period	NOUN
fsr-3297	192	25	(	(	PUNCT
fsr-3297	192	26	e.g.	e.g.	ADV
fsr-3297	192	27	,	,	PUNCT
fsr-3297	192	28	at	at	ADP
fsr-3297	192	29	age	age	NOUN
fsr-3297	192	30	62	62	NUM
fsr-3297	192	31	vs.	vs.	ADP
fsr-3297	192	32	70	70	NUM
fsr-3297	192	33	)	)	PUNCT
fsr-3297	192	34	and	and	CCONJ
fsr-3297	192	35	delaying	delay	VERB
fsr-3297	192	36	benefits	benefit	NOUN
fsr-3297	192	37	past	past	ADP
fsr-3297	192	38	fra	fra	X
fsr-3297	192	39	(	(	PUNCT
fsr-3297	192	40	e.g.	e.g.	ADV
fsr-3297	192	41	,	,	PUNCT
fsr-3297	192	42	age	age	NOUN
fsr-3297	192	43	66	66	NUM
fsr-3297	192	44	vs.	vs.	ADP
fsr-3297	192	45	70	70	NUM
fsr-3297	192	46	)	)	PUNCT
fsr-3297	192	47	.	.	PUNCT
fsr-3297	193	1	within	within	ADP
fsr-3297	193	2	these	these	DET
fsr-3297	193	3	three	three	NUM
fsr-3297	193	4	claiming	claim	VERB
fsr-3297	193	5	scenarios	scenario	NOUN
fsr-3297	193	6	we	we	PRON
fsr-3297	193	7	examine	examine	VERB
fsr-3297	193	8	couples	couple	NOUN
fsr-3297	193	9	by	by	ADP
fsr-3297	193	10	race	race	NOUN
fsr-3297	193	11	combination	combination	NOUN
fsr-3297	193	12	who	who	PRON
fsr-3297	193	13	retire	retire	VERB
fsr-3297	193	14	at	at	ADP
fsr-3297	193	15	the	the	DET
fsr-3297	193	16	same	same	ADJ
fsr-3297	193	17	age	age	NOUN
fsr-3297	193	18	with	with	ADP
fsr-3297	193	19	age	age	NOUN
fsr-3297	193	20	differences	difference	NOUN
fsr-3297	193	21	of	of	ADP
fsr-3297	193	22	0	0	NUM
fsr-3297	193	23	,	,	PUNCT
fsr-3297	193	24	4	4	NUM
fsr-3297	193	25	,	,	PUNCT
fsr-3297	193	26	7	7	NUM
fsr-3297	193	27	,	,	PUNCT
fsr-3297	193	28	and	and	CCONJ
fsr-3297	193	29	10	10	NUM
fsr-3297	193	30	years	year	NOUN
fsr-3297	193	31	with	with	ADP
fsr-3297	193	32	the	the	DET
fsr-3297	193	33	non	non	ADJ
fsr-3297	193	34	-	-	ADJ
fsr-3297	193	35	working	working	ADJ
fsr-3297	193	36	spouse	spouse	NOUN
fsr-3297	193	37	younger	young	ADJ
fsr-3297	193	38	than	than	ADP
fsr-3297	193	39	the	the	DET
fsr-3297	193	40	working	working	NOUN
fsr-3297	193	41	spouse	spouse	NOUN
fsr-3297	193	42	.	.	PUNCT
fsr-3297	194	1	6.1.1	6.1.1	X
fsr-3297	194	2	.	.	PUNCT
fsr-3297	194	3	results	result	NOUN
fsr-3297	194	4	of	of	ADP
fsr-3297	194	5	role	role	NOUN
fsr-3297	194	6	switching	switch	VERB
fsr-3297	194	7	table	table	NOUN
fsr-3297	194	8	2b	2b	NUM
fsr-3297	194	9	shows	show	NOUN
fsr-3297	194	10	be	be	VERB
fsr-3297	194	11	irrs	irrs	NOUN
fsr-3297	194	12	when	when	SCONJ
fsr-3297	194	13	the	the	DET
fsr-3297	194	14	spouse	spouse	NOUN
fsr-3297	194	15	is	be	AUX
fsr-3297	194	16	the	the	DET
fsr-3297	194	17	earner	earner	NOUN
fsr-3297	194	18	and	and	CCONJ
fsr-3297	194	19	is	be	AUX
fsr-3297	194	20	older	old	ADJ
fsr-3297	194	21	than	than	ADP
fsr-3297	194	22	the	the	DET
fsr-3297	194	23	spouse	spouse	NOUN
fsr-3297	194	24	.	.	PUNCT
fsr-3297	195	1	the	the	DET
fsr-3297	195	2	results	result	NOUN
fsr-3297	195	3	presented	present	VERB
fsr-3297	195	4	in	in	ADP
fsr-3297	195	5	tables	table	NOUN
fsr-3297	195	6	2b	2b	NUM
fsr-3297	195	7	are	be	AUX
fsr-3297	195	8	based	base	VERB
fsr-3297	195	9	on	on	ADP
fsr-3297	195	10	applying	apply	VERB
fsr-3297	195	11	the	the	DET
fsr-3297	195	12	previously	previously	ADV
fsr-3297	195	13	described	describe	VERB
fsr-3297	195	14	excel	excel	NOUN
fsr-3297	195	15	models	model	NOUN
fsr-3297	195	16	for	for	ADP
fsr-3297	195	17	a	a	DET
fsr-3297	195	18	representative	representative	ADJ
fsr-3297	195	19	baby	baby	NOUN
fsr-3297	195	20	boom	boom	NOUN
fsr-3297	195	21	birth	birth	NOUN
fsr-3297	195	22	year	year	NOUN
fsr-3297	195	23	of	of	ADP
fsr-3297	195	24	1948	1948	NUM
fsr-3297	195	25	for	for	ADP
fsr-3297	195	26	both	both	CCONJ
fsr-3297	195	27	the	the	DET
fsr-3297	195	28	spouse	spouse	NOUN
fsr-3297	195	29	and	and	CCONJ
fsr-3297	195	30	spouse	spouse	NOUN
fsr-3297	195	31	initially	initially	ADV
fsr-3297	195	32	and	and	CCONJ
fsr-3297	195	33	progressively	progressively	ADV
fsr-3297	195	34	later	late	ADJ
fsr-3297	195	35	years	year	NOUN
fsr-3297	195	36	for	for	ADP
fsr-3297	195	37	the	the	DET
fsr-3297	195	38	non	non	ADJ
fsr-3297	195	39	-	-	ADJ
fsr-3297	195	40	working	working	ADJ
fsr-3297	195	41	male	male	NOUN
fsr-3297	195	42	spouse	spouse	NOUN
fsr-3297	195	43	.	.	PUNCT
fsr-3297	196	1	keep	keep	VERB
fsr-3297	196	2	in	in	ADP
fsr-3297	196	3	mind	mind	NOUN
fsr-3297	196	4	that	that	SCONJ
fsr-3297	196	5	the	the	DET
fsr-3297	196	6	be	be	NOUN
fsr-3297	196	7	irrs	irrs	NOUN
fsr-3297	196	8	can	can	AUX
fsr-3297	196	9	be	be	AUX
fsr-3297	196	10	viewed	view	VERB
fsr-3297	196	11	as	as	ADP
fsr-3297	196	12	“	"	PUNCT
fsr-3297	196	13	hurdle	hurdle	NOUN
fsr-3297	196	14	rates	rate	NOUN
fsr-3297	196	15	”	"	PUNCT
fsr-3297	196	16	where	where	SCONJ
fsr-3297	196	17	if	if	SCONJ
fsr-3297	196	18	a	a	DET
fsr-3297	196	19	couple	couple	NOUN
fsr-3297	196	20	’s	’s	PART
fsr-3297	196	21	expected	expect	VERB
fsr-3297	196	22	return	return	NOUN
fsr-3297	196	23	or	or	CCONJ
fsr-3297	196	24	opportunity	opportunity	NOUN
fsr-3297	196	25	cost	cost	NOUN
fsr-3297	196	26	of	of	ADP
fsr-3297	196	27	capital	capital	NOUN
fsr-3297	196	28	is	be	AUX
fsr-3297	196	29	greater	great	ADJ
fsr-3297	196	30	than	than	ADP
fsr-3297	196	31	(	(	PUNCT
fsr-3297	196	32	less	less	ADJ
fsr-3297	196	33	than	than	ADP
fsr-3297	196	34	)	)	PUNCT
fsr-3297	196	35	the	the	DET
fsr-3297	196	36	computed	compute	VERB
fsr-3297	196	37	be	be	AUX
fsr-3297	196	38	irr	irr	NOUN
fsr-3297	196	39	over	over	ADP
fsr-3297	196	40	the	the	DET
fsr-3297	196	41	given	give	VERB
fsr-3297	196	42	time	time	NOUN
fsr-3297	196	43	horizon	horizon	NOUN
fsr-3297	196	44	,	,	PUNCT
fsr-3297	196	45	the	the	DET
fsr-3297	196	46	couple	couple	NOUN
fsr-3297	196	47	should	should	AUX
fsr-3297	196	48	retire	retire	VERB
fsr-3297	196	49	at	at	ADP
fsr-3297	196	50	the	the	DET
fsr-3297	196	51	earlier	early	ADJ
fsr-3297	196	52	(	(	PUNCT
fsr-3297	196	53	later	later	ADJ
fsr-3297	196	54	)	)	PUNCT
fsr-3297	196	55	age	age	NOUN
fsr-3297	196	56	.	.	PUNCT
fsr-3297	197	1	this	this	DET
fsr-3297	197	2	analysis	analysis	NOUN
fsr-3297	197	3	also	also	ADV
fsr-3297	197	4	assumes	assume	VERB
fsr-3297	197	5	that	that	SCONJ
fsr-3297	197	6	the	the	DET
fsr-3297	197	7	couple	couple	NOUN
fsr-3297	197	8	does	do	AUX
fsr-3297	197	9	not	not	PART
fsr-3297	197	10	need	need	VERB
fsr-3297	197	11	the	the	DET
fsr-3297	197	12	ssbs	ssbs	NOUN
fsr-3297	197	13	to	to	PART
fsr-3297	197	14	live	live	VERB
fsr-3297	197	15	on	on	ADP
fsr-3297	197	16	and	and	CCONJ
fsr-3297	197	17	can	can	AUX
fsr-3297	197	18	invest	invest	VERB
fsr-3297	197	19	the	the	DET
fsr-3297	197	20	benefits	benefit	NOUN
fsr-3297	197	21	in	in	ADP
fsr-3297	197	22	the	the	DET
fsr-3297	197	23	capital	capital	NOUN
fsr-3297	197	24	markets	market	NOUN
fsr-3297	197	25	if	if	SCONJ
fsr-3297	197	26	the	the	DET
fsr-3297	197	27	decision	decision	NOUN
fsr-3297	197	28	is	be	AUX
fsr-3297	197	29	made	make	VERB
fsr-3297	197	30	to	to	PART
fsr-3297	197	31	retire	retire	VERB
fsr-3297	197	32	early	early	ADV
fsr-3297	197	33	.	.	PUNCT
fsr-3297	198	1	results	result	NOUN
fsr-3297	198	2	are	be	AUX
fsr-3297	198	3	similar	similar	ADJ
fsr-3297	198	4	to	to	ADP
fsr-3297	198	5	when	when	SCONJ
fsr-3297	198	6	we	we	PRON
fsr-3297	198	7	assume	assume	VERB
fsr-3297	198	8	the	the	DET
fsr-3297	198	9	spouse	spouse	NOUN
fsr-3297	198	10	was	be	AUX
fsr-3297	198	11	the	the	DET
fsr-3297	198	12	earner	earner	NOUN
fsr-3297	198	13	and	and	CCONJ
fsr-3297	198	14	was	be	AUX
fsr-3297	198	15	older	old	ADJ
fsr-3297	198	16	than	than	ADP
fsr-3297	198	17	the	the	DET
fsr-3297	198	18	spouse	spouse	NOUN
fsr-3297	198	19	.	.	PUNCT
fsr-3297	199	1	assuming	assume	VERB
fsr-3297	199	2	couples	couple	NOUN
fsr-3297	199	3	retire	retire	VERB
fsr-3297	199	4	at	at	ADP
fsr-3297	199	5	the	the	DET
fsr-3297	199	6	same	same	ADJ
fsr-3297	199	7	age	age	NOUN
fsr-3297	199	8	,	,	PUNCT
fsr-3297	199	9	for	for	ADP
fsr-3297	199	10	the	the	DET
fsr-3297	199	11	retirement	retirement	NOUN
fsr-3297	199	12	ages	age	NOUN
fsr-3297	199	13	62	62	NUM
fsr-3297	199	14	versus	versus	ADP
fsr-3297	199	15	66	66	NUM
fsr-3297	199	16	,	,	PUNCT
fsr-3297	199	17	the	the	DET
fsr-3297	199	18	be	be	AUX
fsr-3297	199	19	irrs	irrs	NOUN
fsr-3297	199	20	uniformly	uniformly	ADV
fsr-3297	199	21	decrease	decrease	NOUN
fsr-3297	199	22	as	as	ADP
fsr-3297	199	23	the	the	DET
fsr-3297	199	24	age	age	NOUN
fsr-3297	199	25	difference	difference	NOUN
fsr-3297	199	26	increases	increase	NOUN
fsr-3297	199	27	.	.	PUNCT
fsr-3297	200	1	this	this	PRON
fsr-3297	200	2	implies	imply	VERB
fsr-3297	200	3	that	that	SCONJ
fsr-3297	200	4	the	the	PRON
fsr-3297	200	5	greater	great	ADJ
fsr-3297	200	6	the	the	DET
fsr-3297	200	7	age	age	NOUN
fsr-3297	200	8	difference	difference	NOUN
fsr-3297	200	9	between	between	ADP
fsr-3297	200	10	couples	couple	NOUN
fsr-3297	200	11	,	,	PUNCT
fsr-3297	200	12	the	the	PRON
fsr-3297	200	13	earlier	early	ADJ
fsr-3297	200	14	the	the	DET
fsr-3297	200	15	couples	couple	NOUN
fsr-3297	200	16	should	should	AUX
fsr-3297	200	17	retire	retire	VERB
fsr-3297	200	18	.	.	PUNCT
fsr-3297	201	1	be	be	AUX
fsr-3297	201	2	irrs	irrs	NOUN
fsr-3297	201	3	range	range	NOUN
fsr-3297	201	4	from	from	ADP
fsr-3297	201	5	a	a	DET
fsr-3297	201	6	low	low	NOUN
fsr-3297	201	7	of	of	ADP
fsr-3297	201	8	5.26	5.26	NUM
fsr-3297	201	9	%	%	NOUN
fsr-3297	201	10	for	for	ADP
fsr-3297	201	11	the	the	DET
fsr-3297	201	12	bm_wf	bm_wf	NOUN
fsr-3297	201	13	combination	combination	NOUN
fsr-3297	201	14	with	with	ADP
fsr-3297	201	15	a	a	DET
fsr-3297	201	16	10	10	NUM
fsr-3297	201	17	-	-	PUNCT
fsr-3297	201	18	year	year	NOUN
fsr-3297	201	19	age	age	NOUN
fsr-3297	201	20	difference	difference	NOUN
fsr-3297	201	21	,	,	PUNCT
fsr-3297	201	22	to	to	ADP
fsr-3297	201	23	a	a	DET
fsr-3297	201	24	high	high	NOUN
fsr-3297	201	25	of	of	ADP
fsr-3297	201	26	5.87	5.87	NUM
fsr-3297	201	27	%	%	NOUN
fsr-3297	201	28	for	for	ADP
fsr-3297	201	29	the	the	DET
fsr-3297	201	30	hm_hf	hm_hf	ADJ
fsr-3297	201	31	combination	combination	NOUN
fsr-3297	201	32	with	with	ADP
fsr-3297	201	33	a	a	DET
fsr-3297	201	34	zero	zero	NUM
fsr-3297	201	35	year	year	NOUN
fsr-3297	201	36	age	age	NOUN
fsr-3297	201	37	difference	difference	NOUN
fsr-3297	201	38	.	.	PUNCT
fsr-3297	202	1	for	for	ADP
fsr-3297	202	2	the	the	DET
fsr-3297	202	3	retirement	retirement	NOUN
fsr-3297	202	4	ages	age	NOUN
fsr-3297	202	5	62	62	NUM
fsr-3297	202	6	versus	versus	ADP
fsr-3297	202	7	70	70	NUM
fsr-3297	202	8	,	,	PUNCT
fsr-3297	202	9	the	the	DET
fsr-3297	202	10	be	be	AUX
fsr-3297	202	11	irrs	irrs	NOUN
fsr-3297	202	12	uniformly	uniformly	ADV
fsr-3297	202	13	increase	increase	NOUN
fsr-3297	202	14	as	as	ADP
fsr-3297	202	15	the	the	DET
fsr-3297	202	16	age	age	NOUN
fsr-3297	202	17	difference	difference	NOUN
fsr-3297	202	18	increases	increase	NOUN
fsr-3297	202	19	.	.	PUNCT
fsr-3297	203	1	this	this	PRON
fsr-3297	203	2	implies	imply	VERB
fsr-3297	203	3	that	that	SCONJ
fsr-3297	203	4	the	the	PRON
fsr-3297	203	5	greater	great	ADJ
fsr-3297	203	6	the	the	DET
fsr-3297	203	7	age	age	NOUN
fsr-3297	203	8	difference	difference	NOUN
fsr-3297	203	9	between	between	ADP
fsr-3297	203	10	couples	couple	NOUN
fsr-3297	203	11	,	,	PUNCT
fsr-3297	203	12	the	the	DET
fsr-3297	203	13	later	later	ADV
fsr-3297	203	14	the	the	DET
fsr-3297	203	15	couples	couple	NOUN
fsr-3297	203	16	should	should	AUX
fsr-3297	203	17	retire	retire	VERB
fsr-3297	203	18	.	.	PUNCT
fsr-3297	204	1	however	however	ADV
fsr-3297	204	2	,	,	PUNCT
fsr-3297	204	3	the	the	DET
fsr-3297	204	4	be	be	NOUN
fsr-3297	204	5	irrs	irrs	NOUN
fsr-3297	204	6	are	be	AUX
fsr-3297	204	7	much	much	ADV
fsr-3297	204	8	lower	low	ADJ
fsr-3297	204	9	in	in	ADP
fsr-3297	204	10	this	this	DET
fsr-3297	204	11	retirement	retirement	NOUN
fsr-3297	204	12	decision	decision	NOUN
fsr-3297	204	13	,	,	PUNCT
fsr-3297	204	14	ranging	range	VERB
fsr-3297	204	15	from	from	ADP
fsr-3297	204	16	a	a	DET
fsr-3297	204	17	low	low	NOUN
fsr-3297	204	18	of	of	ADP
fsr-3297	204	19	3.25	3.25	NUM
fsr-3297	204	20	%	%	NOUN
fsr-3297	204	21	for	for	ADP
fsr-3297	204	22	the	the	DET
fsr-3297	204	23	wm_wf	wm_wf	PROPN
fsr-3297	204	24	combination	combination	NOUN
fsr-3297	204	25	with	with	ADP
fsr-3297	204	26	a	a	DET
fsr-3297	204	27	zero	zero	NUM
fsr-3297	204	28	year	year	NOUN
fsr-3297	204	29	age	age	NOUN
fsr-3297	204	30	difference	difference	NOUN
fsr-3297	204	31	,	,	PUNCT
fsr-3297	204	32	to	to	ADP
fsr-3297	204	33	a	a	DET
fsr-3297	204	34	high	high	NOUN
fsr-3297	204	35	of	of	ADP
fsr-3297	204	36	4.20	4.20	NUM
fsr-3297	204	37	%	%	NOUN
fsr-3297	204	38	for	for	ADP
fsr-3297	204	39	the	the	DET
fsr-3297	204	40	bm_hf	bm_hf	NOUN
fsr-3297	204	41	with	with	ADP
fsr-3297	204	42	a	a	DET
fsr-3297	204	43	10	10	NUM
fsr-3297	204	44	-	-	PUNCT
fsr-3297	204	45	year	year	NOUN
fsr-3297	204	46	age	age	NOUN
fsr-3297	204	47	difference	difference	NOUN
fsr-3297	204	48	.	.	PUNCT
fsr-3297	205	1	results	result	NOUN
fsr-3297	205	2	for	for	ADP
fsr-3297	205	3	the	the	DET
fsr-3297	205	4	66	66	NUM
fsr-3297	205	5	versus	versus	ADP
fsr-3297	205	6	70	70	NUM
fsr-3297	205	7	retirement	retirement	NOUN
fsr-3297	205	8	age	age	NOUN
fsr-3297	205	9	decision	decision	NOUN
fsr-3297	205	10	are	be	AUX
fsr-3297	205	11	similar	similar	ADJ
fsr-3297	205	12	to	to	ADP
fsr-3297	205	13	the	the	DET
fsr-3297	205	14	62	62	NUM
fsr-3297	205	15	versus	versus	ADP
fsr-3297	205	16	70	70	NUM
fsr-3297	205	17	decision	decision	NOUN
fsr-3297	205	18	,	,	PUNCT
fsr-3297	205	19	however	however	ADV
fsr-3297	205	20	the	the	DET
fsr-3297	205	21	be	be	PROPN
fsr-3297	205	22	irrs	irrs	NOUN
fsr-3297	205	23	are	be	AUX
fsr-3297	205	24	even	even	ADV
fsr-3297	205	25	lower	low	ADJ
fsr-3297	205	26	.	.	PUNCT
fsr-3297	206	1	be	be	AUX
fsr-3297	206	2	irrs	irrs	NOUN
fsr-3297	206	3	range	range	NOUN
fsr-3297	206	4	from	from	ADP
fsr-3297	206	5	a	a	DET
fsr-3297	206	6	low	low	NOUN
fsr-3297	206	7	of	of	ADP
fsr-3297	206	8	0.82	0.82	NUM
fsr-3297	206	9	%	%	NOUN
fsr-3297	206	10	for	for	ADP
fsr-3297	206	11	the	the	DET
fsr-3297	206	12	hm_wf	hm_wf	PROPN
fsr-3297	206	13	combination	combination	NOUN
fsr-3297	206	14	with	with	ADP
fsr-3297	206	15	a	a	DET
fsr-3297	206	16	zero	zero	NUM
fsr-3297	206	17	year	year	NOUN
fsr-3297	206	18	age	age	NOUN
fsr-3297	206	19	difference	difference	NOUN
fsr-3297	206	20	,	,	PUNCT
fsr-3297	206	21	to	to	ADP
fsr-3297	206	22	a	a	DET
fsr-3297	206	23	high	high	NOUN
fsr-3297	206	24	of	of	ADP
fsr-3297	206	25	2.66	2.66	NUM
fsr-3297	206	26	%	%	NOUN
fsr-3297	206	27	for	for	ADP
fsr-3297	206	28	the	the	DET
fsr-3297	206	29	bm_hf	bm_hf	NOUN
fsr-3297	206	30	with	with	ADP
fsr-3297	206	31	a	a	DET
fsr-3297	206	32	10	10	NUM
fsr-3297	206	33	-	-	PUNCT
fsr-3297	206	34	year	year	NOUN
fsr-3297	206	35	age	age	NOUN
fsr-3297	206	36	difference	difference	NOUN
fsr-3297	206	37	.	.	PUNCT
fsr-3297	207	1	overall	overall	ADJ
fsr-3297	207	2	the	the	DET
fsr-3297	207	3	highest	high	ADJ
fsr-3297	207	4	be	be	NOUN
fsr-3297	207	5	irrs	irrs	NOUN
fsr-3297	207	6	have	have	VERB
fsr-3297	207	7	an	an	DET
fsr-3297	207	8	older	old	ADJ
fsr-3297	207	9	hispanic	hispanic	ADJ
fsr-3297	207	10	female	female	NOUN
fsr-3297	207	11	as	as	ADP
fsr-3297	207	12	the	the	DET
fsr-3297	207	13	breadwinner	breadwinner	NOUN
fsr-3297	207	14	;	;	PUNCT
fsr-3297	207	15	whereas	whereas	SCONJ
fsr-3297	207	16	the	the	DET
fsr-3297	207	17	lowest	low	ADJ
fsr-3297	207	18	be	be	AUX
fsr-3297	207	19	irrs	irrs	NOUN
fsr-3297	207	20	have	have	VERB
fsr-3297	207	21	an	an	DET
fsr-3297	207	22	older	old	ADJ
fsr-3297	207	23	white	white	ADJ
fsr-3297	207	24	female	female	NOUN
fsr-3297	207	25	as	as	ADP
fsr-3297	207	26	the	the	DET
fsr-3297	207	27	breadwinner	breadwinner	NOUN
fsr-3297	207	28	.	.	PUNCT
fsr-3297	208	1	this	this	PRON
fsr-3297	208	2	would	would	AUX
fsr-3297	208	3	suggest	suggest	VERB
fsr-3297	208	4	early	early	ADJ
fsr-3297	208	5	retirement	retirement	NOUN
fsr-3297	208	6	98	98	NUM
fsr-3297	208	7	d.s	d.s	PROPN
fsr-3297	208	8	.	.	PROPN
fsr-3297	208	9	docking	docking	NOUN
fsr-3297	208	10	et	et	PROPN
fsr-3297	208	11	al	al	PROPN
fsr-3297	208	12	.	.	PUNCT
fsr-3297	208	13	/	/	SYM
fsr-3297	208	14	financial	financial	ADJ
fsr-3297	208	15	services	service	NOUN
fsr-3297	208	16	review	review	VERB
fsr-3297	208	17	26	26	NUM
fsr-3297	208	18	(	(	PUNCT
fsr-3297	208	19	2017	2017	NUM
fsr-3297	208	20	)	)	PUNCT
fsr-3297	209	1	87–111	87–111	PROPN
fsr-3297	209	2	t	t	PROPN
fsr-3297	209	3	ab	ab	PROPN
fsr-3297	209	4	le	le	X
fsr-3297	209	5	2a	2a	PROPN
fsr-3297	209	6	b	b	PROPN
fsr-3297	209	7	re	re	VERB
fsr-3297	209	8	ak	ak	PROPN
fsr-3297	209	9	ev	ev	PROPN
fsr-3297	209	10	en	en	X
fsr-3297	209	11	ir	ir	PROPN
fsr-3297	210	1	r	r	NOUN
fsr-3297	210	2	s	s	NOUN
fsr-3297	210	3	fo	fo	ADP
fsr-3297	210	4	r	r	NOUN
fsr-3297	210	5	a	a	DET
fsr-3297	210	6	sa	sa	NOUN
fsr-3297	210	7	m	m	VERB
fsr-3297	210	8	pl	pl	PROPN
fsr-3297	210	9	e	e	PROPN
fsr-3297	210	10	of	of	ADP
fsr-3297	210	11	m	m	PROPN
fsr-3297	210	12	ar	ar	PROPN
fsr-3297	210	13	ri	ri	PROPN
fsr-3297	210	14	ed	ed	PROPN
fsr-3297	210	15	re	re	PROPN
fsr-3297	210	16	tir	tir	VERB
fsr-3297	210	17	em	em	PRON
fsr-3297	210	18	en	en	PROPN
fsr-3297	210	19	t	t	PROPN
fsr-3297	210	20	ag	ag	PROPN
fsr-3297	210	21	es	es	PROPN
fsr-3297	210	22	w	w	PROPN
fsr-3297	210	23	ith	ith	NOUN
fsr-3297	210	24	in	in	ADP
fsr-3297	210	25	cr	cr	PROPN
fsr-3297	210	26	ea	ea	PROPN
fsr-3297	210	27	si	si	PROPN
fsr-3297	210	28	ng	ng	PROPN
fsr-3297	210	29	ag	ag	PROPN
fsr-3297	210	30	e	e	PROPN
fsr-3297	210	31	di	di	NOUN
fsr-3297	210	32	ff	ff	INTJ
fsr-3297	210	33	er	er	INTJ
fsr-3297	210	34	en	en	PROPN
fsr-3297	210	35	ce	ce	PROPN
fsr-3297	210	36	s	s	PROPN
fsr-3297	210	37	w	w	PROPN
fsr-3297	210	38	ith	ith	PROPN
fsr-3297	210	39	m	m	PROPN
fsr-3297	210	40	al	al	PROPN
fsr-3297	210	41	e	e	PROPN
fsr-3297	210	42	as	as	ADP
fsr-3297	210	43	br	br	PROPN
fsr-3297	210	44	ea	ea	X
fsr-3297	210	45	dw	dw	PROPN
fsr-3297	210	46	in	in	ADP
fsr-3297	210	47	ne	ne	PROPN
fsr-3297	210	48	r	r	NOUN
fsr-3297	210	49	an	an	PROPN
fsr-3297	210	50	d	d	NOUN
fsr-3297	210	51	m	m	VERB
fsr-3297	210	52	al	al	PROPN
fsr-3297	210	53	e	e	PROPN
fsr-3297	210	54	ol	ol	PROPN
fsr-3297	210	55	de	de	ADP
fsr-3297	210	56	r	r	PROPN
fsr-3297	210	57	(	(	PUNCT
fsr-3297	210	58	m	m	PROPN
fsr-3297	210	59	al	al	PROPN
fsr-3297	210	60	e	e	PROPN
fsr-3297	210	61	bo	bo	PROPN
fsr-3297	210	62	rn	rn	PROPN
fsr-3297	210	63	19	19	NUM
fsr-3297	210	64	48	48	NUM
fsr-3297	210	65	;	;	PUNCT
fsr-3297	210	66	fe	fe	X
fsr-3297	210	67	m	m	PROPN
fsr-3297	210	68	al	al	PROPN
fsr-3297	210	69	e	e	PROPN
fsr-3297	210	70	bo	bo	PROPN
fsr-3297	210	71	rn	rn	PROPN
fsr-3297	210	72	19	19	NUM
fsr-3297	210	73	48	48	NUM
fsr-3297	210	74	,	,	PUNCT
fsr-3297	210	75	19	19	NUM
fsr-3297	210	76	52	52	NUM
fsr-3297	210	77	,	,	PUNCT
fsr-3297	210	78	19	19	NUM
fsr-3297	210	79	55	55	NUM
fsr-3297	210	80	,	,	PUNCT
fsr-3297	210	81	19	19	NUM
fsr-3297	210	82	58	58	NUM
fsr-3297	210	83	)	)	PUNCT
fsr-3297	210	84	a	a	DET
fsr-3297	210	85	ge	ge	PROPN
fsr-3297	210	86	di	di	PROPN
fsr-3297	211	1	ff	ff	INTJ
fsr-3297	212	1	er	er	INTJ
fsr-3297	212	2	en	en	PROPN
fsr-3297	212	3	ce	ce	PROPN
fsr-3297	212	4	m	m	PROPN
fsr-3297	212	5	al	al	PROPN
fsr-3297	212	6	e	e	PROPN
fsr-3297	212	7	re	re	AUX
fsr-3297	212	8	tir	tir	VERB
fsr-3297	212	9	em	em	PRON
fsr-3297	212	10	en	en	PROPN
fsr-3297	212	11	t	t	PROPN
fsr-3297	212	12	ag	ag	PROPN
fsr-3297	212	13	e	e	PROPN
fsr-3297	212	14	1	1	NUM
fsr-3297	212	15	fe	fe	X
fsr-3297	212	16	m	m	PROPN
fsr-3297	212	17	al	al	PROPN
fsr-3297	212	18	e	e	PROPN
fsr-3297	212	19	re	re	AUX
fsr-3297	212	20	tir	tir	VERB
fsr-3297	212	21	em	em	PRON
fsr-3297	212	22	en	en	PROPN
fsr-3297	212	23	t	t	PROPN
fsr-3297	212	24	ag	ag	PROPN
fsr-3297	212	25	e	e	PROPN
fsr-3297	212	26	1	1	NUM
fsr-3297	212	27	m	m	VERB
fsr-3297	212	28	al	al	PROPN
fsr-3297	212	29	e	e	PROPN
fsr-3297	212	30	re	re	AUX
fsr-3297	212	31	tir	tir	VERB
fsr-3297	212	32	em	em	PRON
fsr-3297	212	33	en	en	PROPN
fsr-3297	212	34	t	t	PROPN
fsr-3297	212	35	ag	ag	PROPN
fsr-3297	212	36	e	e	PROPN
fsr-3297	212	37	2	2	NUM
fsr-3297	212	38	fe	fe	X
fsr-3297	212	39	m	m	NOUN
fsr-3297	212	40	al	al	PROPN
fsr-3297	212	41	e	e	PROPN
fsr-3297	212	42	re	re	AUX
fsr-3297	212	43	tir	tir	VERB
fsr-3297	212	44	em	em	PRON
fsr-3297	212	45	en	en	PROPN
fsr-3297	212	46	t	t	PROPN
fsr-3297	212	47	ag	ag	PROPN
fsr-3297	212	48	e	e	PROPN
fsr-3297	212	49	2	2	NUM
fsr-3297	212	50	w	w	NOUN
fsr-3297	212	51	m	m	NUM
fsr-3297	212	52	_	_	PUNCT
fsr-3297	213	1	w	w	NOUN
fsr-3297	213	2	f	f	NOUN
fsr-3297	213	3	br	br	NOUN
fsr-3297	213	4	ea	ea	PROPN
fsr-3297	213	5	ke	ke	PROPN
fsr-3297	213	6	ve	ve	PROPN
fsr-3297	213	7	n	n	ADV
fsr-3297	213	8	ir	ir	NOUN
fsr-3297	213	9	r	r	NOUN
fsr-3297	213	10	b	b	PROPN
fsr-3297	213	11	m	m	NOUN
fsr-3297	213	12	_	_	NOUN
fsr-3297	213	13	b	b	X
fsr-3297	213	14	f	f	NOUN
fsr-3297	213	15	br	br	NOUN
fsr-3297	213	16	ea	ea	PROPN
fsr-3297	213	17	ke	ke	PROPN
fsr-3297	213	18	ve	ve	PROPN
fsr-3297	213	19	n	n	ADV
fsr-3297	213	20	ir	ir	NOUN
fsr-3297	213	21	r	r	NOUN
fsr-3297	213	22	h	h	NOUN
fsr-3297	213	23	m	m	NOUN
fsr-3297	213	24	_	_	NOUN
fsr-3297	214	1	h	h	NOUN
fsr-3297	214	2	f	f	NOUN
fsr-3297	214	3	br	br	NOUN
fsr-3297	214	4	ea	ea	X
fsr-3297	215	1	ke	ke	PROPN
fsr-3297	215	2	ve	ve	PROPN
fsr-3297	215	3	n	n	ADV
fsr-3297	215	4	ir	ir	NOUN
fsr-3297	215	5	r	r	NOUN
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fsr-3297	221	400	%	%	NOUN
fsr-3297	221	401	3	3	NUM
fsr-3297	221	402	.	.	NOUN
fsr-3297	221	403	86	86	NUM
fsr-3297	221	404	30	30	NUM
fsr-3297	221	405	%	%	NOUN
fsr-3297	221	406	0	0	NUM
fsr-3297	221	407	66	66	NUM
fsr-3297	221	408	66	66	NUM
fsr-3297	221	409	70	70	NUM
fsr-3297	221	410	70	70	NUM
fsr-3297	221	411	0	0	NUM
fsr-3297	221	412	.	.	PUNCT
fsr-3297	221	413	04	04	NUM
fsr-3297	221	414	97	97	NUM
fsr-3297	221	415	%	%	NOUN
fsr-3297	221	416	0	0	NUM
fsr-3297	221	417	.	.	NOUN
fsr-3297	221	418	46	46	NUM
fsr-3297	221	419	23	23	NUM
fsr-3297	221	420	%	%	NOUN
fsr-3297	221	421	0	0	NUM
fsr-3297	221	422	.	.	PUNCT
fsr-3297	222	1	71	71	NUM
fsr-3297	222	2	19	19	NUM
fsr-3297	222	3	%	%	NOUN
fsr-3297	222	4	0	0	NUM
fsr-3297	222	5	.	.	PUNCT
fsr-3297	222	6	31	31	NUM
fsr-3297	222	7	48	48	NUM
fsr-3297	222	8	%	%	NOUN
fsr-3297	222	9	0	0	NUM
fsr-3297	222	10	.	.	PROPN
fsr-3297	222	11	19	19	NUM
fsr-3297	222	12	22	22	NUM
fsr-3297	222	13	%	%	NOUN
fsr-3297	222	14	�	�	PROPN
fsr-3297	222	15	0	0	NUM
fsr-3297	222	16	.	.	PROPN
fsr-3297	222	17	01	01	NUM
fsr-3297	222	18	23	23	NUM
fsr-3297	222	19	%	%	NOUN
fsr-3297	222	20	0	0	NUM
fsr-3297	222	21	.	.	PUNCT
fsr-3297	222	22	77	77	NUM
fsr-3297	222	23	10	10	NUM
fsr-3297	222	24	%	%	NOUN
fsr-3297	222	25	0	0	NUM
fsr-3297	222	26	.	.	NOUN
fsr-3297	222	27	12	12	NUM
fsr-3297	222	28	75	75	NUM
fsr-3297	222	29	%	%	NOUN
fsr-3297	222	30	0	0	NUM
fsr-3297	222	31	.	.	PUNCT
fsr-3297	223	1	99	99	NUM
fsr-3297	223	2	83	83	NUM
fsr-3297	223	3	%	%	NOUN
fsr-3297	223	4	4	4	NUM
fsr-3297	223	5	66	66	NUM
fsr-3297	223	6	66	66	NUM
fsr-3297	223	7	70	70	NUM
fsr-3297	223	8	70	70	NUM
fsr-3297	223	9	0	0	NUM
fsr-3297	223	10	.	.	PUNCT
fsr-3297	224	1	05	05	NUM
fsr-3297	224	2	50	50	NUM
fsr-3297	224	3	%	%	NOUN
fsr-3297	224	4	0	0	NUM
fsr-3297	224	5	.	.	NOUN
fsr-3297	224	6	50	50	NUM
fsr-3297	224	7	83	83	NUM
fsr-3297	224	8	%	%	NOUN
fsr-3297	224	9	0	0	NUM
fsr-3297	224	10	.	.	PUNCT
fsr-3297	224	11	78	78	NUM
fsr-3297	225	1	65	65	NUM
fsr-3297	225	2	%	%	NOUN
fsr-3297	225	3	0	0	NUM
fsr-3297	225	4	.	.	PUNCT
fsr-3297	226	1	34	34	NUM
fsr-3297	226	2	46	46	NUM
fsr-3297	226	3	%	%	NOUN
fsr-3297	226	4	0	0	NUM
fsr-3297	226	5	.	.	NUM
fsr-3297	226	6	21	21	NUM
fsr-3297	226	7	37	37	NUM
fsr-3297	226	8	%	%	NOUN
fsr-3297	226	9	�	�	PROPN
fsr-3297	226	10	0	0	NUM
fsr-3297	226	11	.	.	PROPN
fsr-3297	226	12	01	01	NUM
fsr-3297	226	13	37	37	NUM
fsr-3297	226	14	%	%	NOUN
fsr-3297	226	15	0	0	NUM
fsr-3297	226	16	.	.	NOUN
fsr-3297	226	17	85	85	NUM
fsr-3297	226	18	04	04	NUM
fsr-3297	226	19	%	%	NOUN
fsr-3297	226	20	0	0	NUM
fsr-3297	226	21	.	.	NOUN
fsr-3297	226	22	14	14	NUM
fsr-3297	226	23	20	20	NUM
fsr-3297	226	24	%	%	NOUN
fsr-3297	226	25	1	1	NUM
fsr-3297	226	26	.	.	NOUN
fsr-3297	226	27	09	09	NUM
fsr-3297	226	28	12	12	NUM
fsr-3297	226	29	%	%	NOUN
fsr-3297	226	30	7	7	NUM
fsr-3297	226	31	66	66	NUM
fsr-3297	226	32	66	66	NUM
fsr-3297	226	33	70	70	NUM
fsr-3297	226	34	70	70	NUM
fsr-3297	226	35	0	0	NUM
fsr-3297	226	36	.	.	NOUN
fsr-3297	226	37	30	30	NUM
fsr-3297	226	38	27	27	NUM
fsr-3297	226	39	%	%	NOUN
fsr-3297	226	40	0	0	NUM
fsr-3297	226	41	.	.	PUNCT
fsr-3297	227	1	77	77	NUM
fsr-3297	227	2	09	09	NUM
fsr-3297	227	3	%	%	NOUN
fsr-3297	227	4	1	1	NUM
fsr-3297	227	5	.	.	NOUN
fsr-3297	227	6	07	07	NUM
fsr-3297	227	7	86	86	NUM
fsr-3297	227	8	%	%	NOUN
fsr-3297	227	9	0	0	NUM
fsr-3297	227	10	.	.	PUNCT
fsr-3297	228	1	58	58	NUM
fsr-3297	228	2	73	73	NUM
fsr-3297	228	3	%	%	NOUN
fsr-3297	228	4	0	0	NUM
fsr-3297	228	5	.	.	PUNCT
fsr-3297	229	1	48	48	NUM
fsr-3297	229	2	28	28	NUM
fsr-3297	229	3	%	%	NOUN
fsr-3297	229	4	0	0	NUM
fsr-3297	229	5	.	.	NOUN
fsr-3297	229	6	25	25	NUM
fsr-3297	229	7	25	25	NUM
fsr-3297	229	8	%	%	NOUN
fsr-3297	229	9	1	1	NUM
fsr-3297	229	10	.	.	NOUN
fsr-3297	229	11	12	12	NUM
fsr-3297	229	12	70	70	NUM
fsr-3297	229	13	%	%	NOUN
fsr-3297	229	14	0	0	NUM
fsr-3297	229	15	.	.	PUNCT
fsr-3297	230	1	42	42	NUM
fsr-3297	230	2	97	97	NUM
fsr-3297	230	3	%	%	NOUN
fsr-3297	230	4	1	1	NUM
fsr-3297	230	5	.	.	NOUN
fsr-3297	230	6	35	35	NUM
fsr-3297	230	7	86	86	NUM
fsr-3297	230	8	%	%	NOUN
fsr-3297	230	9	10	10	NUM
fsr-3297	230	10	66	66	NUM
fsr-3297	230	11	66	66	NUM
fsr-3297	230	12	70	70	NUM
fsr-3297	230	13	70	70	NUM
fsr-3297	230	14	1	1	NUM
fsr-3297	230	15	.	.	PUNCT
fsr-3297	231	1	05	05	NUM
fsr-3297	231	2	09	09	NUM
fsr-3297	231	3	%	%	NOUN
fsr-3297	231	4	1	1	NUM
fsr-3297	231	5	.	.	NUM
fsr-3297	231	6	48	48	NUM
fsr-3297	231	7	49	49	NUM
fsr-3297	231	8	%	%	NOUN
fsr-3297	231	9	1	1	NUM
fsr-3297	231	10	.	.	X
fsr-3297	231	11	82	82	NUM
fsr-3297	231	12	12	12	NUM
fsr-3297	231	13	%	%	NOUN
fsr-3297	231	14	1	1	NUM
fsr-3297	231	15	.	.	NOUN
fsr-3297	231	16	27	27	NUM
fsr-3297	231	17	27	27	NUM
fsr-3297	231	18	%	%	NOUN
fsr-3297	231	19	1	1	NUM
fsr-3297	231	20	.	.	NOUN
fsr-3297	231	21	26	26	NUM
fsr-3297	231	22	29	29	NUM
fsr-3297	231	23	%	%	NOUN
fsr-3297	231	24	1	1	NUM
fsr-3297	231	25	.	.	PUNCT
fsr-3297	231	26	05	05	NUM
fsr-3297	232	1	92	92	NUM
fsr-3297	232	2	%	%	NOUN
fsr-3297	232	3	1	1	NUM
fsr-3297	232	4	.	.	NOUN
fsr-3297	232	5	82	82	NUM
fsr-3297	232	6	20	20	NUM
fsr-3297	232	7	%	%	NOUN
fsr-3297	232	8	1	1	NUM
fsr-3297	232	9	.	.	NUM
fsr-3297	232	10	26	26	NUM
fsr-3297	232	11	86	86	NUM
fsr-3297	232	12	%	%	NOUN
fsr-3297	232	13	2	2	NUM
fsr-3297	232	14	.	.	NOUN
fsr-3297	232	15	00	00	NUM
fsr-3297	233	1	17	17	NUM
fsr-3297	233	2	%	%	NOUN
fsr-3297	233	3	n	n	PRON
fsr-3297	233	4	ot	ot	NOUN
fsr-3297	233	5	es	es	X
fsr-3297	233	6	:	:	PUNCT
fsr-3297	233	7	ir	ir	PROPN
fsr-3297	233	8	r	r	NOUN
fsr-3297	233	9	�	�	PROPN
fsr-3297	233	10	in	in	ADP
fsr-3297	233	11	te	te	PROPN
fsr-3297	233	12	rn	rn	PROPN
fsr-3297	233	13	al	al	PROPN
fsr-3297	233	14	ra	ra	PROPN
fsr-3297	233	15	te	te	PROPN
fsr-3297	233	16	of	of	ADP
fsr-3297	233	17	re	re	PROPN
fsr-3297	233	18	tu	tu	PROPN
fsr-3297	233	19	rn	rn	PROPN
fsr-3297	233	20	;	;	PUNCT
fsr-3297	233	21	w	w	PROPN
fsr-3297	233	22	�	�	PROPN
fsr-3297	233	23	w	w	PROPN
fsr-3297	233	24	hi	hi	INTJ
fsr-3297	233	25	te	te	PROPN
fsr-3297	233	26	;	;	PUNCT
fsr-3297	233	27	b	b	X
fsr-3297	233	28	�	�	PROPN
fsr-3297	233	29	b	b	PROPN
fsr-3297	233	30	la	la	X
fsr-3297	233	31	ck	ck	ADV
fsr-3297	233	32	;	;	PUNCT
fsr-3297	233	33	h	h	PROPN
fsr-3297	233	34	�	�	PROPN
fsr-3297	233	35	h	h	PROPN
fsr-3297	233	36	is	be	AUX
fsr-3297	233	37	pa	pa	PROPN
fsr-3297	233	38	ni	ni	PROPN
fsr-3297	233	39	c	c	PROPN
fsr-3297	233	40	;	;	PUNCT
fsr-3297	233	41	m	m	VERB
fsr-3297	233	42	�	�	PROPN
fsr-3297	233	43	m	m	PROPN
fsr-3297	233	44	al	al	PROPN
fsr-3297	233	45	e	e	PROPN
fsr-3297	233	46	;	;	PUNCT
fsr-3297	233	47	f	f	PROPN
fsr-3297	233	48	�	�	PROPN
fsr-3297	233	49	fe	fe	PROPN
fsr-3297	233	50	m	m	PROPN
fsr-3297	233	51	al	al	PROPN
fsr-3297	233	52	e.	e.	PROPN
fsr-3297	233	53	99d.s	99d.s	PROPN
fsr-3297	233	54	.	.	PUNCT
fsr-3297	234	1	docking	dock	VERB
fsr-3297	234	2	et	et	PROPN
fsr-3297	234	3	al	al	PROPN
fsr-3297	234	4	.	.	PUNCT
fsr-3297	234	5	/	/	SYM
fsr-3297	234	6	financial	financial	ADJ
fsr-3297	234	7	services	service	NOUN
fsr-3297	234	8	review	review	VERB
fsr-3297	234	9	26	26	NUM
fsr-3297	234	10	(	(	PUNCT
fsr-3297	234	11	2017	2017	NUM
fsr-3297	234	12	)	)	PUNCT
fsr-3297	235	1	87–111	87–111	PROPN
fsr-3297	235	2	t	t	PROPN
fsr-3297	235	3	ab	ab	PROPN
fsr-3297	235	4	le	le	X
fsr-3297	235	5	2b	2b	PROPN
fsr-3297	235	6	b	b	PROPN
fsr-3297	235	7	re	re	VERB
fsr-3297	235	8	ak	ak	PROPN
fsr-3297	235	9	ev	ev	PROPN
fsr-3297	235	10	en	en	X
fsr-3297	235	11	ir	ir	PROPN
fsr-3297	236	1	r	r	NOUN
fsr-3297	236	2	s	s	NOUN
fsr-3297	236	3	fo	fo	ADP
fsr-3297	236	4	r	r	NOUN
fsr-3297	236	5	a	a	DET
fsr-3297	236	6	sa	sa	NOUN
fsr-3297	236	7	m	m	VERB
fsr-3297	236	8	pl	pl	PROPN
fsr-3297	236	9	e	e	PROPN
fsr-3297	236	10	of	of	ADP
fsr-3297	236	11	m	m	PROPN
fsr-3297	236	12	ar	ar	PROPN
fsr-3297	236	13	ri	ri	PROPN
fsr-3297	236	14	ed	ed	PROPN
fsr-3297	236	15	re	re	PROPN
fsr-3297	236	16	tir	tir	VERB
fsr-3297	236	17	em	em	PRON
fsr-3297	236	18	en	en	PROPN
fsr-3297	236	19	t	t	PROPN
fsr-3297	236	20	ag	ag	PROPN
fsr-3297	236	21	es	es	PROPN
fsr-3297	236	22	w	w	PROPN
fsr-3297	236	23	ith	ith	NOUN
fsr-3297	236	24	in	in	ADP
fsr-3297	236	25	cr	cr	PROPN
fsr-3297	236	26	ea	ea	PROPN
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fsr-3297	236	28	ng	ng	PROPN
fsr-3297	236	29	ag	ag	PROPN
fsr-3297	236	30	e	e	PROPN
fsr-3297	236	31	di	di	NOUN
fsr-3297	236	32	ff	ff	INTJ
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fsr-3297	236	34	en	en	PROPN
fsr-3297	236	35	ce	ce	PROPN
fsr-3297	236	36	s	s	PROPN
fsr-3297	236	37	w	w	PROPN
fsr-3297	236	38	ith	ith	PROPN
fsr-3297	236	39	fe	fe	PROPN
fsr-3297	236	40	m	m	PROPN
fsr-3297	236	41	al	al	PROPN
fsr-3297	236	42	e	e	PROPN
fsr-3297	236	43	as	as	ADP
fsr-3297	236	44	br	br	PROPN
fsr-3297	236	45	ea	ea	X
fsr-3297	236	46	dw	dw	PROPN
fsr-3297	236	47	in	in	ADP
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fsr-3297	236	49	r	r	VERB
fsr-3297	236	50	an	an	DET
fsr-3297	236	51	d	d	X
fsr-3297	236	52	fe	fe	X
fsr-3297	236	53	m	m	NOUN
fsr-3297	236	54	al	al	PROPN
fsr-3297	236	55	e	e	PROPN
fsr-3297	236	56	ol	ol	PROPN
fsr-3297	236	57	de	de	ADP
fsr-3297	236	58	r	r	PROPN
fsr-3297	236	59	(	(	PUNCT
fsr-3297	236	60	f	f	X
fsr-3297	236	61	em	em	PROPN
fsr-3297	236	62	al	al	PROPN
fsr-3297	236	63	e	e	PROPN
fsr-3297	236	64	bo	bo	PROPN
fsr-3297	236	65	rn	rn	PROPN
fsr-3297	236	66	19	19	NUM
fsr-3297	236	67	48	48	NUM
fsr-3297	236	68	;	;	PUNCT
fsr-3297	236	69	m	m	VERB
fsr-3297	236	70	al	al	PROPN
fsr-3297	236	71	e	e	PROPN
fsr-3297	236	72	bo	bo	PROPN
fsr-3297	236	73	rn	rn	PROPN
fsr-3297	236	74	19	19	NUM
fsr-3297	236	75	48	48	NUM
fsr-3297	236	76	,	,	PUNCT
fsr-3297	236	77	19	19	NUM
fsr-3297	236	78	52	52	NUM
fsr-3297	236	79	,	,	PUNCT
fsr-3297	236	80	19	19	NUM
fsr-3297	236	81	55	55	NUM
fsr-3297	236	82	,	,	PUNCT
fsr-3297	236	83	19	19	NUM
fsr-3297	236	84	58	58	NUM
fsr-3297	236	85	)	)	PUNCT
fsr-3297	236	86	a	a	DET
fsr-3297	236	87	ge	ge	PROPN
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fsr-3297	237	1	ff	ff	INTJ
fsr-3297	238	1	er	er	INTJ
fsr-3297	238	2	en	en	PROPN
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fsr-3297	238	5	al	al	PROPN
fsr-3297	238	6	e	e	PROPN
fsr-3297	238	7	re	re	AUX
fsr-3297	238	8	tir	tir	VERB
fsr-3297	238	9	em	em	PRON
fsr-3297	238	10	en	en	PROPN
fsr-3297	238	11	t	t	PROPN
fsr-3297	238	12	ag	ag	PROPN
fsr-3297	238	13	e	e	PROPN
fsr-3297	238	14	1	1	NUM
fsr-3297	238	15	fe	fe	X
fsr-3297	238	16	m	m	PROPN
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fsr-3297	238	18	e	e	PROPN
fsr-3297	238	19	re	re	AUX
fsr-3297	238	20	tir	tir	VERB
fsr-3297	238	21	em	em	PRON
fsr-3297	238	22	en	en	PROPN
fsr-3297	238	23	t	t	PROPN
fsr-3297	238	24	ag	ag	PROPN
fsr-3297	238	25	e	e	PROPN
fsr-3297	238	26	1	1	NUM
fsr-3297	238	27	m	m	VERB
fsr-3297	238	28	al	al	PROPN
fsr-3297	238	29	e	e	PROPN
fsr-3297	238	30	re	re	AUX
fsr-3297	238	31	tir	tir	VERB
fsr-3297	238	32	em	em	PRON
fsr-3297	238	33	en	en	PROPN
fsr-3297	238	34	t	t	PROPN
fsr-3297	238	35	ag	ag	PROPN
fsr-3297	238	36	e	e	PROPN
fsr-3297	238	37	2	2	NUM
fsr-3297	238	38	fe	fe	X
fsr-3297	238	39	m	m	NOUN
fsr-3297	238	40	al	al	PROPN
fsr-3297	238	41	e	e	PROPN
fsr-3297	238	42	re	re	AUX
fsr-3297	238	43	tir	tir	VERB
fsr-3297	238	44	em	em	PRON
fsr-3297	238	45	en	en	PROPN
fsr-3297	238	46	t	t	PROPN
fsr-3297	238	47	ag	ag	PROPN
fsr-3297	238	48	e	e	PROPN
fsr-3297	238	49	2	2	NUM
fsr-3297	238	50	w	w	NOUN
fsr-3297	238	51	m	m	NUM
fsr-3297	238	52	_	_	PUNCT
fsr-3297	239	1	w	w	NOUN
fsr-3297	239	2	f	f	NOUN
fsr-3297	239	3	br	br	NOUN
fsr-3297	239	4	ea	ea	PROPN
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fsr-3297	239	6	ve	ve	PROPN
fsr-3297	239	7	n	n	ADV
fsr-3297	239	8	ir	ir	NOUN
fsr-3297	239	9	r	r	NOUN
fsr-3297	239	10	b	b	PROPN
fsr-3297	239	11	m	m	NOUN
fsr-3297	239	12	_	_	NOUN
fsr-3297	239	13	b	b	X
fsr-3297	239	14	f	f	NOUN
fsr-3297	239	15	br	br	NOUN
fsr-3297	239	16	ea	ea	PROPN
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fsr-3297	239	18	ve	ve	PROPN
fsr-3297	239	19	n	n	ADV
fsr-3297	239	20	ir	ir	NOUN
fsr-3297	239	21	r	r	NOUN
fsr-3297	239	22	h	h	NOUN
fsr-3297	239	23	m	m	NOUN
fsr-3297	239	24	_	_	NOUN
fsr-3297	240	1	h	h	NOUN
fsr-3297	240	2	f	f	NOUN
fsr-3297	240	3	br	br	NOUN
fsr-3297	240	4	ea	ea	X
fsr-3297	241	1	ke	ke	PROPN
fsr-3297	241	2	ve	ve	PROPN
fsr-3297	241	3	n	n	ADV
fsr-3297	241	4	ir	ir	NOUN
fsr-3297	241	5	r	r	NOUN
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fsr-3297	252	14	%	%	NOUN
fsr-3297	252	15	1	1	NUM
fsr-3297	252	16	.	.	X
fsr-3297	252	17	56	56	NUM
fsr-3297	252	18	%	%	NOUN
fsr-3297	252	19	0	0	NUM
fsr-3297	252	20	.	.	NOUN
fsr-3297	252	21	89	89	NUM
fsr-3297	252	22	%	%	NOUN
fsr-3297	252	23	1	1	NUM
fsr-3297	252	24	.	.	NUM
fsr-3297	252	25	89	89	NUM
fsr-3297	252	26	%	%	NOUN
fsr-3297	252	27	1	1	NUM
fsr-3297	252	28	.	.	NUM
fsr-3297	252	29	06	06	NUM
fsr-3297	252	30	%	%	NOUN
fsr-3297	252	31	7	7	NUM
fsr-3297	252	32	66	66	NUM
fsr-3297	252	33	66	66	NUM
fsr-3297	252	34	70	70	NUM
fsr-3297	252	35	70	70	NUM
fsr-3297	252	36	1	1	NUM
fsr-3297	252	37	.	.	X
fsr-3297	252	38	19	19	NUM
fsr-3297	252	39	%	%	NOUN
fsr-3297	252	40	1	1	NUM
fsr-3297	252	41	.	.	NUM
fsr-3297	252	42	72	72	NUM
fsr-3297	252	43	%	%	NOUN
fsr-3297	252	44	1	1	NUM
fsr-3297	252	45	.	.	NOUN
fsr-3297	252	46	80	80	NUM
fsr-3297	252	47	%	%	NOUN
fsr-3297	252	48	1	1	NUM
fsr-3297	252	49	.	.	NOUN
fsr-3297	252	50	37	37	NUM
fsr-3297	252	51	%	%	NOUN
fsr-3297	252	52	1	1	NUM
fsr-3297	252	53	.	.	X
fsr-3297	252	54	54	54	NUM
fsr-3297	252	55	%	%	NOUN
fsr-3297	252	56	1	1	NUM
fsr-3297	252	57	.	.	NOUN
fsr-3297	252	58	83	83	NUM
fsr-3297	252	59	%	%	NOUN
fsr-3297	252	60	1	1	NUM
fsr-3297	252	61	.	.	NOUN
fsr-3297	252	62	15	15	NUM
fsr-3297	252	63	%	%	NOUN
fsr-3297	252	64	2	2	NUM
fsr-3297	252	65	.	.	NOUN
fsr-3297	252	66	14	14	NUM
fsr-3297	252	67	%	%	NOUN
fsr-3297	252	68	1	1	NUM
fsr-3297	252	69	.	.	PUNCT
fsr-3297	252	70	33	33	NUM
fsr-3297	252	71	%	%	NOUN
fsr-3297	252	72	10	10	NUM
fsr-3297	252	73	66	66	NUM
fsr-3297	252	74	66	66	NUM
fsr-3297	252	75	70	70	NUM
fsr-3297	252	76	70	70	NUM
fsr-3297	252	77	1	1	NUM
fsr-3297	252	78	.	.	PUNCT
fsr-3297	252	79	80	80	NUM
fsr-3297	252	80	%	%	NOUN
fsr-3297	252	81	2	2	NUM
fsr-3297	252	82	.	.	NOUN
fsr-3297	252	83	26	26	NUM
fsr-3297	252	84	%	%	NOUN
fsr-3297	252	85	2	2	NUM
fsr-3297	252	86	.	.	NUM
fsr-3297	252	87	42	42	NUM
fsr-3297	252	88	%	%	NOUN
fsr-3297	252	89	1	1	NUM
fsr-3297	252	90	.	.	NUM
fsr-3297	252	91	99	99	NUM
fsr-3297	252	92	%	%	NOUN
fsr-3297	252	93	2	2	NUM
fsr-3297	252	94	.	.	NUM
fsr-3297	252	95	08	08	NUM
fsr-3297	252	96	%	%	NOUN
fsr-3297	252	97	2	2	NUM
fsr-3297	252	98	.	.	NUM
fsr-3297	252	99	42	42	NUM
fsr-3297	252	100	%	%	NOUN
fsr-3297	252	101	1	1	NUM
fsr-3297	252	102	.	.	PUNCT
fsr-3297	252	103	81	81	NUM
fsr-3297	252	104	%	%	NOUN
fsr-3297	252	105	2	2	NUM
fsr-3297	252	106	.	.	NUM
fsr-3297	252	107	66	66	NUM
fsr-3297	252	108	%	%	NOUN
fsr-3297	252	109	2	2	NUM
fsr-3297	252	110	.	.	NOUN
fsr-3297	252	111	00	00	NUM
fsr-3297	253	1	%	%	NOUN
fsr-3297	254	1	n	n	CCONJ
fsr-3297	254	2	ot	ot	INTJ
fsr-3297	254	3	es	es	X
fsr-3297	254	4	:	:	PUNCT
fsr-3297	254	5	ir	ir	PROPN
fsr-3297	254	6	r	r	NOUN
fsr-3297	254	7	�	�	PROPN
fsr-3297	254	8	in	in	ADP
fsr-3297	254	9	te	te	PROPN
fsr-3297	254	10	rn	rn	PROPN
fsr-3297	254	11	al	al	PROPN
fsr-3297	254	12	ra	ra	PROPN
fsr-3297	255	1	te	te	PROPN
fsr-3297	255	2	of	of	ADP
fsr-3297	255	3	re	re	PROPN
fsr-3297	255	4	tu	tu	PROPN
fsr-3297	255	5	rn	rn	PROPN
fsr-3297	255	6	;	;	PUNCT
fsr-3297	255	7	w	w	PROPN
fsr-3297	255	8	�	�	PROPN
fsr-3297	255	9	w	w	PROPN
fsr-3297	255	10	hi	hi	INTJ
fsr-3297	255	11	te	te	PROPN
fsr-3297	255	12	;	;	PUNCT
fsr-3297	255	13	b	b	X
fsr-3297	255	14	�	�	PROPN
fsr-3297	255	15	b	b	PROPN
fsr-3297	255	16	la	la	X
fsr-3297	255	17	ck	ck	ADV
fsr-3297	255	18	;	;	PUNCT
fsr-3297	255	19	h	h	PROPN
fsr-3297	255	20	�	�	PROPN
fsr-3297	255	21	h	h	PROPN
fsr-3297	255	22	is	be	AUX
fsr-3297	255	23	pa	pa	PROPN
fsr-3297	255	24	ni	ni	PROPN
fsr-3297	255	25	c	c	PROPN
fsr-3297	255	26	;	;	PUNCT
fsr-3297	255	27	m	m	VERB
fsr-3297	255	28	�	�	PROPN
fsr-3297	255	29	m	m	PROPN
fsr-3297	255	30	al	al	PROPN
fsr-3297	255	31	e	e	PROPN
fsr-3297	255	32	;	;	PUNCT
fsr-3297	255	33	f	f	PROPN
fsr-3297	255	34	�	�	PROPN
fsr-3297	255	35	fe	fe	PROPN
fsr-3297	255	36	m	m	PROPN
fsr-3297	255	37	al	al	PROPN
fsr-3297	255	38	e.	e.	PROPN
fsr-3297	255	39	100	100	NUM
fsr-3297	255	40	d.s	d.s	PROPN
fsr-3297	255	41	.	.	PROPN
fsr-3297	255	42	docking	docking	NOUN
fsr-3297	255	43	et	et	PROPN
fsr-3297	255	44	al	al	PROPN
fsr-3297	255	45	.	.	PUNCT
fsr-3297	255	46	/	/	SYM
fsr-3297	255	47	financial	financial	ADJ
fsr-3297	255	48	services	service	NOUN
fsr-3297	255	49	review	review	VERB
fsr-3297	255	50	26	26	NUM
fsr-3297	255	51	(	(	PUNCT
fsr-3297	255	52	2017	2017	NUM
fsr-3297	255	53	)	)	PUNCT
fsr-3297	255	54	87–111	87–111	PROPN
fsr-3297	255	55	at	at	ADP
fsr-3297	255	56	all	all	DET
fsr-3297	255	57	age	age	NOUN
fsr-3297	255	58	differences	difference	NOUN
fsr-3297	255	59	and	and	CCONJ
fsr-3297	255	60	all	all	DET
fsr-3297	255	61	race	race	NOUN
fsr-3297	255	62	-	-	PUNCT
fsr-3297	255	63	gender	gender	NOUN
fsr-3297	255	64	combinations	combination	NOUN
fsr-3297	255	65	,	,	PUNCT
fsr-3297	255	66	given	give	VERB
fsr-3297	255	67	the	the	DET
fsr-3297	255	68	lower	low	ADJ
fsr-3297	255	69	hurdle	hurdle	NOUN
fsr-3297	255	70	rates	rate	NOUN
fsr-3297	255	71	(	(	PUNCT
fsr-3297	255	72	be	be	AUX
fsr-3297	255	73	irrs	irrs	NOUN
fsr-3297	255	74	)	)	PUNCT
fsr-3297	255	75	to	to	PART
fsr-3297	255	76	overcome	overcome	VERB
fsr-3297	255	77	.	.	PUNCT
fsr-3297	256	1	from	from	ADP
fsr-3297	256	2	table	table	NOUN
fsr-3297	256	3	2c	2c	NOUN
fsr-3297	256	4	and	and	CCONJ
fsr-3297	256	5	2d	2d	NOUN
fsr-3297	256	6	we	we	PRON
fsr-3297	256	7	can	can	AUX
fsr-3297	256	8	see	see	VERB
fsr-3297	256	9	that	that	SCONJ
fsr-3297	256	10	in	in	ADP
fsr-3297	256	11	all	all	DET
fsr-3297	256	12	but	but	CCONJ
fsr-3297	256	13	seven	seven	NUM
fsr-3297	256	14	scenarios	scenario	NOUN
fsr-3297	256	15	,	,	PUNCT
fsr-3297	256	16	the	the	DET
fsr-3297	256	17	be	be	NOUN
fsr-3297	256	18	irrs	irrs	NOUN
fsr-3297	256	19	are	be	AUX
fsr-3297	256	20	greater	great	ADJ
fsr-3297	256	21	when	when	SCONJ
fsr-3297	256	22	the	the	DET
fsr-3297	256	23	working	working	NOUN
fsr-3297	256	24	spouse	spouse	NOUN
fsr-3297	256	25	is	be	AUX
fsr-3297	256	26	female	female	ADJ
fsr-3297	256	27	.	.	PUNCT
fsr-3297	257	1	women	woman	NOUN
fsr-3297	257	2	almost	almost	ADV
fsr-3297	257	3	always	always	ADV
fsr-3297	257	4	have	have	VERB
fsr-3297	257	5	higher	high	ADJ
fsr-3297	257	6	be	be	AUX
fsr-3297	257	7	irrs	irrs	NOUN
fsr-3297	257	8	.	.	PUNCT
fsr-3297	258	1	when	when	SCONJ
fsr-3297	258	2	deciding	decide	VERB
fsr-3297	258	3	to	to	PART
fsr-3297	258	4	retire	retire	VERB
fsr-3297	258	5	early	early	ADV
fsr-3297	258	6	or	or	CCONJ
fsr-3297	258	7	later	later	ADV
fsr-3297	258	8	,	,	PUNCT
fsr-3297	258	9	the	the	PRON
fsr-3297	258	10	higher	high	ADJ
fsr-3297	258	11	the	the	DET
fsr-3297	258	12	hurdle	hurdle	NOUN
fsr-3297	258	13	rate	rate	NOUN
fsr-3297	258	14	,	,	PUNCT
fsr-3297	258	15	the	the	PRON
fsr-3297	258	16	more	more	ADV
fsr-3297	258	17	difficult	difficult	ADJ
fsr-3297	258	18	it	it	PRON
fsr-3297	258	19	is	be	AUX
fsr-3297	258	20	to	to	PART
fsr-3297	258	21	retire	retire	VERB
fsr-3297	258	22	early	early	ADV
fsr-3297	258	23	.	.	PUNCT
fsr-3297	259	1	the	the	DET
fsr-3297	259	2	implication	implication	NOUN
fsr-3297	259	3	is	be	AUX
fsr-3297	259	4	that	that	SCONJ
fsr-3297	259	5	in	in	ADP
fsr-3297	259	6	marriages	marriage	NOUN
fsr-3297	259	7	where	where	SCONJ
fsr-3297	259	8	the	the	DET
fsr-3297	259	9	spouse	spouse	NOUN
fsr-3297	259	10	is	be	AUX
fsr-3297	259	11	the	the	DET
fsr-3297	259	12	breadwinner	breadwinner	NOUN
fsr-3297	259	13	and	and	CCONJ
fsr-3297	259	14	is	be	AUX
fsr-3297	259	15	the	the	DET
fsr-3297	259	16	older	old	ADJ
fsr-3297	259	17	partner	partner	NOUN
fsr-3297	259	18	,	,	PUNCT
fsr-3297	259	19	it	it	PRON
fsr-3297	259	20	is	be	AUX
fsr-3297	259	21	more	more	ADV
fsr-3297	259	22	difficult	difficult	ADJ
fsr-3297	259	23	for	for	SCONJ
fsr-3297	259	24	the	the	DET
fsr-3297	259	25	couple	couple	NOUN
fsr-3297	259	26	to	to	PART
fsr-3297	259	27	retire	retire	VERB
fsr-3297	259	28	early	early	ADV
fsr-3297	259	29	,	,	PUNCT
fsr-3297	259	30	as	as	SCONJ
fsr-3297	259	31	compared	compare	VERB
fsr-3297	259	32	to	to	ADP
fsr-3297	259	33	marriages	marriage	NOUN
fsr-3297	259	34	where	where	SCONJ
fsr-3297	259	35	the	the	DET
fsr-3297	259	36	spouse	spouse	NOUN
fsr-3297	259	37	is	be	AUX
fsr-3297	259	38	the	the	DET
fsr-3297	259	39	breadwinner	breadwinner	NOUN
fsr-3297	259	40	and	and	CCONJ
fsr-3297	259	41	is	be	AUX
fsr-3297	259	42	the	the	DET
fsr-3297	259	43	older	old	ADJ
fsr-3297	259	44	partner	partner	NOUN
fsr-3297	259	45	.	.	PUNCT
fsr-3297	260	1	it	it	PRON
fsr-3297	260	2	is	be	AUX
fsr-3297	260	3	also	also	ADV
fsr-3297	260	4	interesting	interesting	ADJ
fsr-3297	260	5	and	and	CCONJ
fsr-3297	260	6	useful	useful	ADJ
fsr-3297	260	7	to	to	PART
fsr-3297	260	8	compare	compare	VERB
fsr-3297	260	9	the	the	DET
fsr-3297	260	10	results	result	NOUN
fsr-3297	260	11	across	across	ADP
fsr-3297	260	12	race	race	NOUN
fsr-3297	260	13	categories	category	NOUN
fsr-3297	260	14	at	at	ADP
fsr-3297	260	15	key	key	ADJ
fsr-3297	260	16	comparison	comparison	NOUN
fsr-3297	260	17	ages	age	NOUN
fsr-3297	260	18	.	.	PUNCT
fsr-3297	261	1	from	from	ADP
fsr-3297	261	2	tables	table	NOUN
fsr-3297	261	3	2a	2a	NUM
fsr-3297	261	4	and	and	CCONJ
fsr-3297	261	5	2b	2b	NUM
fsr-3297	261	6	the	the	DET
fsr-3297	261	7	high	high	ADJ
fsr-3297	261	8	and	and	CCONJ
fsr-3297	261	9	low	low	ADJ
fsr-3297	261	10	be	be	AUX
fsr-3297	261	11	irrs	irrs	NOUN
fsr-3297	261	12	for	for	ADP
fsr-3297	261	13	the	the	DET
fsr-3297	261	14	following	follow	VERB
fsr-3297	261	15	retirement	retirement	NOUN
fsr-3297	261	16	age	age	NOUN
fsr-3297	261	17	comparisons	comparison	NOUN
fsr-3297	261	18	are	be	AUX
fsr-3297	261	19	evident	evident	ADJ
fsr-3297	261	20	.	.	PUNCT
fsr-3297	262	1	retirement	retirement	NOUN
fsr-3297	262	2	age	age	NOUN
fsr-3297	262	3	comparison	comparison	NOUN
fsr-3297	262	4	male	male	NOUN
fsr-3297	262	5	as	as	ADP
fsr-3297	262	6	breadwinner	breadwinner	NOUN
fsr-3297	262	7	and	and	CCONJ
fsr-3297	262	8	older	old	ADJ
fsr-3297	262	9	female	female	ADJ
fsr-3297	262	10	as	as	ADP
fsr-3297	262	11	breadwinner	breadwinner	NOUN
fsr-3297	262	12	and	and	CCONJ
fsr-3297	262	13	older	old	ADJ
fsr-3297	262	14	high	high	ADJ
fsr-3297	262	15	breakeven	breakeven	PROPN
fsr-3297	262	16	irr	irr	PROPN
fsr-3297	262	17	low	low	PROPN
fsr-3297	262	18	breakeven	breakeven	PROPN
fsr-3297	262	19	irr	irr	PROPN
fsr-3297	262	20	high	high	PROPN
fsr-3297	262	21	breakeven	breakeven	PROPN
fsr-3297	262	22	irr	irr	PROPN
fsr-3297	262	23	low	low	PROPN
fsr-3297	262	24	breakeven	breakeven	PROPN
fsr-3297	262	25	irr	irr	NOUN
fsr-3297	262	26	62/62	62/62	NUM
fsr-3297	262	27	vs.	vs.	ADP
fsr-3297	262	28	66/66	66/66	NUM
fsr-3297	262	29	age	age	NOUN
fsr-3297	262	30	difference	difference	NOUN
fsr-3297	262	31	0	0	PUNCT
fsr-3297	263	1	hm_hf	hm_hf	INTJ
fsr-3297	263	2	wm_bf	wm_bf	PROPN
fsr-3297	263	3	hm_hf	hm_hf	PROPN
fsr-3297	263	4	bm_wf	bm_wf	PROPN
fsr-3297	263	5	4	4	NUM
fsr-3297	263	6	hm_hf	hm_hf	VERB
fsr-3297	263	7	wm_bf	wm_bf	PROPN
fsr-3297	263	8	hm_hf	hm_hf	PROPN
fsr-3297	263	9	bm_wf	bm_wf	PROPN
fsr-3297	263	10	7	7	NUM
fsr-3297	263	11	hm_hf	hm_hf	VERB
fsr-3297	264	1	wm_bf	wm_bf	PROPN
fsr-3297	264	2	hm_hf	hm_hf	PROPN
fsr-3297	264	3	bm_wf	bm_wf	PROPN
fsr-3297	264	4	10	10	NUM
fsr-3297	264	5	hm_hf	hm_hf	VERB
fsr-3297	265	1	wm_bf	wm_bf	PROPN
fsr-3297	265	2	hm_hf	hm_hf	PROPN
fsr-3297	265	3	bm_wf	bm_wf	PROPN
fsr-3297	265	4	62/62	62/62	NUM
fsr-3297	265	5	vs.	vs.	ADP
fsr-3297	265	6	70/70	70/70	NUM
fsr-3297	265	7	age	age	NOUN
fsr-3297	265	8	difference	difference	NOUN
fsr-3297	265	9	0	0	NUM
fsr-3297	266	1	hm_bf	hm_bf	PROPN
fsr-3297	266	2	wm_wf	wm_wf	PROPN
fsr-3297	266	3	bm_hf	bm_hf	NOUN
fsr-3297	266	4	wm_wf	wm_wf	NOUN
fsr-3297	266	5	4	4	NUM
fsr-3297	266	6	hm_bf	hm_bf	NOUN
fsr-3297	266	7	wm_wf	wm_wf	NOUN
fsr-3297	267	1	bm_hf	bm_hf	NOUN
fsr-3297	267	2	wm_wf	wm_wf	NOUN
fsr-3297	267	3	7	7	NUM
fsr-3297	267	4	hm_bf	hm_bf	PROPN
fsr-3297	267	5	wm_wf	wm_wf	PROPN
fsr-3297	268	1	bm_hf	bm_hf	NOUN
fsr-3297	268	2	wm_wf	wm_wf	PROPN
fsr-3297	268	3	10	10	NUM
fsr-3297	269	1	hm_hf	hm_hf	PROPN
fsr-3297	269	2	wm_wf	wm_wf	NOUN
fsr-3297	270	1	bm_hf	bm_hf	PROPN
fsr-3297	270	2	wm_wf	wm_wf	NOUN
fsr-3297	270	3	66/66	66/66	NUM
fsr-3297	270	4	vs.	vs.	ADP
fsr-3297	270	5	70/70	70/70	NUM
fsr-3297	270	6	age	age	NOUN
fsr-3297	270	7	difference	difference	NOUN
fsr-3297	270	8	0	0	NUM
fsr-3297	271	1	hm_bf	hm_bf	PROPN
fsr-3297	271	2	wm_hf	wm_hf	INTJ
fsr-3297	272	1	bm_hf	bm_hf	NOUN
fsr-3297	272	2	hm_wf	hm_wf	PROPN
fsr-3297	272	3	4	4	NUM
fsr-3297	272	4	hm_bf	hm_bf	PROPN
fsr-3297	272	5	wm_hf	wm_hf	INTJ
fsr-3297	273	1	bm_hf	bm_hf	NOUN
fsr-3297	273	2	hm_wf	hm_wf	PROPN
fsr-3297	273	3	7	7	NUM
fsr-3297	273	4	hm_bf	hm_bf	PROPN
fsr-3297	273	5	wm_hf	wm_hf	INTJ
fsr-3297	274	1	bm_hf	bm_hf	NOUN
fsr-3297	274	2	hm_wf	hm_wf	PROPN
fsr-3297	275	1	10	10	NUM
fsr-3297	275	2	hm_bf	hm_bf	PROPN
fsr-3297	275	3	wm_wf	wm_wf	PROPN
fsr-3297	275	4	bm_hf	bm_hf	NOUN
fsr-3297	275	5	wm_wf	wm_wf	NOUN
fsr-3297	275	6	remember	remember	VERB
fsr-3297	275	7	that	that	SCONJ
fsr-3297	275	8	a	a	PRON
fsr-3297	275	9	higher	high	ADJ
fsr-3297	275	10	(	(	PUNCT
fsr-3297	275	11	lower	low	ADJ
fsr-3297	275	12	)	)	PUNCT
fsr-3297	275	13	be	be	AUX
fsr-3297	275	14	irr	irr	NOUN
fsr-3297	275	15	would	would	AUX
fsr-3297	275	16	imply	imply	VERB
fsr-3297	275	17	retiring	retire	VERB
fsr-3297	275	18	later	later	ADV
fsr-3297	275	19	(	(	PUNCT
fsr-3297	275	20	earlier	early	ADV
fsr-3297	275	21	)	)	PUNCT
fsr-3297	275	22	because	because	SCONJ
fsr-3297	275	23	the	the	DET
fsr-3297	275	24	hurdle	hurdle	NOUN
fsr-3297	275	25	rate	rate	NOUN
fsr-3297	275	26	opportunity	opportunity	NOUN
fsr-3297	275	27	cost	cost	NOUN
fsr-3297	275	28	is	be	AUX
fsr-3297	275	29	more	more	ADV
fsr-3297	275	30	difficult	difficult	ADJ
fsr-3297	275	31	(	(	PUNCT
fsr-3297	275	32	less	less	ADV
fsr-3297	275	33	difficult	difficult	ADJ
fsr-3297	275	34	)	)	PUNCT
fsr-3297	275	35	to	to	PART
fsr-3297	275	36	overcome	overcome	VERB
fsr-3297	275	37	.	.	PUNCT
fsr-3297	276	1	when	when	SCONJ
fsr-3297	276	2	the	the	DET
fsr-3297	276	3	male	male	NOUN
fsr-3297	276	4	is	be	AUX
fsr-3297	276	5	the	the	DET
fsr-3297	276	6	breadwinner	breadwinner	NOUN
fsr-3297	276	7	and	and	CCONJ
fsr-3297	276	8	older	old	ADJ
fsr-3297	276	9	,	,	PUNCT
fsr-3297	276	10	the	the	DET
fsr-3297	276	11	high	high	ADJ
fsr-3297	276	12	be	be	AUX
fsr-3297	276	13	irr	irr	NOUN
fsr-3297	276	14	column	column	NOUN
fsr-3297	276	15	is	be	AUX
fsr-3297	276	16	dominated	dominate	VERB
fsr-3297	276	17	by	by	ADP
fsr-3297	276	18	hm_bf	hm_bf	PROPN
fsr-3297	276	19	(	(	PUNCT
fsr-3297	276	20	seven	seven	NUM
fsr-3297	276	21	occurrences	occurrence	NOUN
fsr-3297	276	22	)	)	PUNCT
fsr-3297	276	23	and	and	CCONJ
fsr-3297	276	24	hm_hf	hm_hf	PROPN
fsr-3297	276	25	(	(	PUNCT
fsr-3297	276	26	five	five	NUM
fsr-3297	276	27	occurrences	occurrence	NOUN
fsr-3297	276	28	)	)	PUNCT
fsr-3297	276	29	.	.	PUNCT
fsr-3297	277	1	the	the	DET
fsr-3297	277	2	low	low	ADJ
fsr-3297	277	3	be	be	AUX
fsr-3297	277	4	irr	irr	NOUN
fsr-3297	277	5	column	column	NOUN
fsr-3297	277	6	has	have	VERB
fsr-3297	277	7	5	5	NUM
fsr-3297	277	8	wm_wf	wm_wf	NOUN
fsr-3297	277	9	lows	low	NOUN
fsr-3297	277	10	,	,	PUNCT
fsr-3297	277	11	4	4	NUM
fsr-3297	277	12	wm_bf	wm_bf	PROPN
fsr-3297	277	13	lows	low	NOUN
fsr-3297	277	14	and	and	CCONJ
fsr-3297	277	15	3	3	NUM
fsr-3297	277	16	wm_hf	wm_hf	NOUN
fsr-3297	277	17	lows	low	NOUN
fsr-3297	277	18	.	.	PUNCT
fsr-3297	278	1	the	the	DET
fsr-3297	278	2	most	most	ADV
fsr-3297	278	3	obvious	obvious	ADJ
fsr-3297	278	4	patterns	pattern	NOUN
fsr-3297	278	5	here	here	ADV
fsr-3297	278	6	are	be	AUX
fsr-3297	278	7	that	that	SCONJ
fsr-3297	278	8	the	the	DET
fsr-3297	278	9	high	high	ADJ
fsr-3297	278	10	be	be	AUX
fsr-3297	278	11	irr	irr	NOUN
fsr-3297	278	12	group	group	NOUN
fsr-3297	278	13	consistently	consistently	ADV
fsr-3297	278	14	has	have	VERB
fsr-3297	278	15	a	a	DET
fsr-3297	278	16	hispanic	hispanic	ADJ
fsr-3297	278	17	spouse	spouse	NOUN
fsr-3297	278	18	and	and	CCONJ
fsr-3297	278	19	low	low	ADJ
fsr-3297	278	20	be	be	AUX
fsr-3297	278	21	irr	irr	NOUN
fsr-3297	278	22	group	group	NOUN
fsr-3297	278	23	consistently	consistently	ADV
fsr-3297	278	24	has	have	VERB
fsr-3297	278	25	a	a	DET
fsr-3297	278	26	white	white	ADJ
fsr-3297	278	27	spouse	spouse	NOUN
fsr-3297	278	28	.	.	PUNCT
fsr-3297	279	1	when	when	SCONJ
fsr-3297	279	2	the	the	DET
fsr-3297	279	3	female	female	NOUN
fsr-3297	279	4	is	be	AUX
fsr-3297	279	5	the	the	DET
fsr-3297	279	6	breadwinner	breadwinner	NOUN
fsr-3297	279	7	and	and	CCONJ
fsr-3297	279	8	older	old	ADJ
fsr-3297	279	9	,	,	PUNCT
fsr-3297	279	10	the	the	DET
fsr-3297	279	11	high	high	ADJ
fsr-3297	279	12	be	be	AUX
fsr-3297	279	13	irr	irr	NOUN
fsr-3297	279	14	column	column	NOUN
fsr-3297	279	15	is	be	AUX
fsr-3297	279	16	dominated	dominate	VERB
fsr-3297	279	17	by	by	ADP
fsr-3297	279	18	bm_hf	bm_hf	PROPN
fsr-3297	279	19	(	(	PUNCT
fsr-3297	279	20	eight	eight	NUM
fsr-3297	279	21	occurrences	occurrence	NOUN
fsr-3297	279	22	)	)	PUNCT
fsr-3297	279	23	and	and	CCONJ
fsr-3297	279	24	hm_hf	hm_hf	PROPN
fsr-3297	279	25	(	(	PUNCT
fsr-3297	279	26	four	four	NUM
fsr-3297	279	27	occurrences	occurrence	NOUN
fsr-3297	279	28	)	)	PUNCT
fsr-3297	279	29	.	.	PUNCT
fsr-3297	280	1	the	the	DET
fsr-3297	280	2	low	low	ADJ
fsr-3297	280	3	be	be	AUX
fsr-3297	280	4	irr	irr	NOUN
fsr-3297	280	5	column	column	NOUN
fsr-3297	280	6	has	have	VERB
fsr-3297	280	7	5	5	NUM
fsr-3297	280	8	wm_wf	wm_wf	NOUN
fsr-3297	280	9	lows	low	NOUN
fsr-3297	280	10	,	,	PUNCT
fsr-3297	280	11	4	4	NUM
fsr-3297	280	12	bm_wf	bm_wf	NOUN
fsr-3297	280	13	lows	low	NOUN
fsr-3297	280	14	and	and	CCONJ
fsr-3297	280	15	3	3	NUM
fsr-3297	280	16	hm_wf	hm_wf	PROPN
fsr-3297	280	17	lows	low	NOUN
fsr-3297	280	18	.	.	PUNCT
fsr-3297	281	1	the	the	DET
fsr-3297	281	2	most	most	ADV
fsr-3297	281	3	obvious	obvious	ADJ
fsr-3297	281	4	patterns	pattern	NOUN
fsr-3297	281	5	here	here	ADV
fsr-3297	281	6	are	be	AUX
fsr-3297	281	7	that	that	SCONJ
fsr-3297	281	8	the	the	DET
fsr-3297	281	9	high	high	ADJ
fsr-3297	281	10	be	be	AUX
fsr-3297	281	11	irr	irr	NOUN
fsr-3297	281	12	group	group	NOUN
fsr-3297	281	13	consistently	consistently	ADV
fsr-3297	281	14	has	have	VERB
fsr-3297	281	15	a	a	DET
fsr-3297	281	16	hispanic	hispanic	ADJ
fsr-3297	281	17	spouse	spouse	NOUN
fsr-3297	281	18	and	and	CCONJ
fsr-3297	281	19	low	low	ADJ
fsr-3297	281	20	be	be	AUX
fsr-3297	281	21	irr	irr	NOUN
fsr-3297	281	22	group	group	NOUN
fsr-3297	281	23	consistently	consistently	ADV
fsr-3297	281	24	has	have	VERB
fsr-3297	281	25	a	a	DET
fsr-3297	281	26	white	white	ADJ
fsr-3297	281	27	spouse	spouse	NOUN
fsr-3297	281	28	.	.	PUNCT
fsr-3297	282	1	thus	thus	ADV
fsr-3297	282	2	,	,	PUNCT
fsr-3297	282	3	irrespective	irrespective	ADV
fsr-3297	282	4	of	of	ADP
fsr-3297	282	5	who	who	PRON
fsr-3297	282	6	is	be	AUX
fsr-3297	282	7	the	the	DET
fsr-3297	282	8	breadwinner	breadwinner	NOUN
fsr-3297	282	9	,	,	PUNCT
fsr-3297	282	10	hispanics	hispanic	NOUN
fsr-3297	282	11	have	have	VERB
fsr-3297	282	12	higher	high	ADJ
fsr-3297	282	13	hurdle	hurdle	NOUN
fsr-3297	282	14	rates	rate	NOUN
fsr-3297	282	15	;	;	PUNCT
fsr-3297	282	16	while	while	SCONJ
fsr-3297	282	17	whites	white	NOUN
fsr-3297	282	18	have	have	VERB
fsr-3297	282	19	lower	low	ADJ
fsr-3297	282	20	hurdle	hurdle	NOUN
fsr-3297	282	21	rates	rate	NOUN
fsr-3297	282	22	.	.	PUNCT
fsr-3297	283	1	for	for	ADP
fsr-3297	283	2	a	a	DET
fsr-3297	283	3	given	give	VERB
fsr-3297	283	4	retirement	retirement	NOUN
fsr-3297	283	5	age	age	NOUN
fsr-3297	283	6	comparison	comparison	NOUN
fsr-3297	283	7	or	or	CCONJ
fsr-3297	283	8	age	age	NOUN
fsr-3297	283	9	difference	difference	NOUN
fsr-3297	283	10	the	the	DET
fsr-3297	283	11	101d.s	101d.s	NUM
fsr-3297	283	12	.	.	PUNCT
fsr-3297	284	1	docking	dock	VERB
fsr-3297	284	2	et	et	NOUN
fsr-3297	284	3	al	al	PROPN
fsr-3297	284	4	.	.	PUNCT
fsr-3297	284	5	/	/	SYM
fsr-3297	284	6	financial	financial	ADJ
fsr-3297	284	7	services	service	NOUN
fsr-3297	284	8	review	review	VERB
fsr-3297	284	9	26	26	NUM
fsr-3297	284	10	(	(	PUNCT
fsr-3297	284	11	2017	2017	NUM
fsr-3297	284	12	)	)	PUNCT
fsr-3297	285	1	87–111	87–111	PROPN
fsr-3297	285	2	t	t	PROPN
fsr-3297	285	3	ab	ab	PROPN
fsr-3297	285	4	le	le	PROPN
fsr-3297	285	5	2c	2c	PROPN
fsr-3297	285	6	pe	pe	PROPN
fsr-3297	285	7	rc	rc	PROPN
fsr-3297	285	8	en	en	X
fsr-3297	285	9	ta	ta	X
fsr-3297	285	10	ge	ge	PROPN
fsr-3297	285	11	di	di	PROPN
fsr-3297	286	1	ff	ff	INTJ
fsr-3297	286	2	er	er	INTJ
fsr-3297	286	3	en	en	X
fsr-3297	286	4	ce	ce	PROPN
fsr-3297	286	5	in	in	ADP
fsr-3297	286	6	br	br	PROPN
fsr-3297	286	7	ea	ea	PROPN
fsr-3297	286	8	ke	ke	PROPN
fsr-3297	286	9	ve	ve	PROPN
fsr-3297	286	10	n	n	ADV
fsr-3297	286	11	ir	ir	NOUN
fsr-3297	286	12	r	r	NOUN
fsr-3297	286	13	s	s	NOUN
fsr-3297	286	14	fo	fo	ADP
fsr-3297	286	15	r	r	NOUN
fsr-3297	286	16	a	a	DET
fsr-3297	286	17	sa	sa	NOUN
fsr-3297	286	18	m	m	VERB
fsr-3297	286	19	pl	pl	PROPN
fsr-3297	286	20	e	e	PROPN
fsr-3297	286	21	of	of	ADP
fsr-3297	286	22	m	m	PROPN
fsr-3297	286	23	ar	ar	PROPN
fsr-3297	286	24	ri	ri	PROPN
fsr-3297	286	25	ed	ed	PROPN
fsr-3297	286	26	re	re	PROPN
fsr-3297	286	27	tir	tir	VERB
fsr-3297	286	28	em	em	PRON
fsr-3297	286	29	en	en	PROPN
fsr-3297	286	30	t	t	PROPN
fsr-3297	286	31	ag	ag	PROPN
fsr-3297	286	32	es	es	PROPN
fsr-3297	286	33	w	w	PROPN
fsr-3297	286	34	ith	ith	NOUN
fsr-3297	286	35	in	in	ADP
fsr-3297	286	36	cr	cr	PROPN
fsr-3297	286	37	ea	ea	PROPN
fsr-3297	286	38	si	si	PROPN
fsr-3297	286	39	ng	ng	PROPN
fsr-3297	286	40	ag	ag	PROPN
fsr-3297	286	41	e	e	PROPN
fsr-3297	286	42	di	di	NOUN
fsr-3297	287	1	ff	ff	INTJ
fsr-3297	287	2	er	er	INTJ
fsr-3297	287	3	en	en	PROPN
fsr-3297	287	4	ce	ce	PROPN
fsr-3297	287	5	s	s	PROPN
fsr-3297	287	6	a	a	DET
fsr-3297	287	7	ge	ge	PROPN
fsr-3297	287	8	di	di	INTJ
fsr-3297	288	1	ff	ff	INTJ
fsr-3297	288	2	er	er	INTJ
fsr-3297	288	3	en	en	PROPN
fsr-3297	288	4	ce	ce	PROPN
fsr-3297	288	5	m	m	PROPN
fsr-3297	288	6	al	al	PROPN
fsr-3297	288	7	e	e	PROPN
fsr-3297	288	8	re	re	AUX
fsr-3297	288	9	tir	tir	VERB
fsr-3297	288	10	em	em	PRON
fsr-3297	288	11	en	en	PROPN
fsr-3297	288	12	t	t	PROPN
fsr-3297	288	13	ag	ag	PROPN
fsr-3297	288	14	e	e	PROPN
fsr-3297	288	15	1	1	NUM
fsr-3297	288	16	fe	fe	X
fsr-3297	288	17	m	m	PROPN
fsr-3297	288	18	al	al	PROPN
fsr-3297	288	19	e	e	PROPN
fsr-3297	288	20	re	re	AUX
fsr-3297	288	21	tir	tir	VERB
fsr-3297	288	22	em	em	PRON
fsr-3297	288	23	en	en	PROPN
fsr-3297	288	24	t	t	PROPN
fsr-3297	288	25	ag	ag	PROPN
fsr-3297	288	26	e	e	PROPN
fsr-3297	288	27	1	1	NUM
fsr-3297	288	28	m	m	VERB
fsr-3297	288	29	al	al	PROPN
fsr-3297	288	30	e	e	PROPN
fsr-3297	288	31	re	re	AUX
fsr-3297	288	32	tir	tir	VERB
fsr-3297	288	33	em	em	PRON
fsr-3297	288	34	en	en	PROPN
fsr-3297	288	35	t	t	PROPN
fsr-3297	288	36	ag	ag	PROPN
fsr-3297	288	37	e	e	PROPN
fsr-3297	288	38	2	2	NUM
fsr-3297	288	39	fe	fe	X
fsr-3297	288	40	m	m	NOUN
fsr-3297	288	41	al	al	PROPN
fsr-3297	288	42	e	e	PROPN
fsr-3297	288	43	re	re	AUX
fsr-3297	288	44	tir	tir	VERB
fsr-3297	288	45	em	em	PRON
fsr-3297	288	46	en	en	PROPN
fsr-3297	288	47	t	t	PROPN
fsr-3297	288	48	ag	ag	PROPN
fsr-3297	288	49	e	e	PROPN
fsr-3297	288	50	2	2	NUM
fsr-3297	289	1	w	w	NOUN
fsr-3297	289	2	m	m	NUM
fsr-3297	289	3	_	_	PUNCT
fsr-3297	289	4	w	w	NOUN
fsr-3297	289	5	f	f	NOUN
fsr-3297	289	6	br	br	NOUN
fsr-3297	289	7	ea	ea	PROPN
fsr-3297	289	8	ke	ke	PROPN
fsr-3297	289	9	ve	ve	PROPN
fsr-3297	289	10	n	n	ADV
fsr-3297	289	11	ir	ir	NOUN
fsr-3297	289	12	r	r	NOUN
fsr-3297	289	13	a	a	DET
fsr-3297	289	14	b	b	NOUN
fsr-3297	289	15	m	m	NOUN
fsr-3297	289	16	_	_	NOUN
fsr-3297	290	1	b	b	X
fsr-3297	290	2	f	f	NOUN
fsr-3297	290	3	br	br	NOUN
fsr-3297	290	4	ea	ea	PROPN
fsr-3297	290	5	ke	ke	PROPN
fsr-3297	290	6	ve	ve	PROPN
fsr-3297	290	7	n	n	ADV
fsr-3297	290	8	ir	ir	NOUN
fsr-3297	290	9	r	r	NOUN
fsr-3297	290	10	h	h	NOUN
fsr-3297	290	11	m	m	NOUN
fsr-3297	290	12	_	_	NOUN
fsr-3297	291	1	h	h	NOUN
fsr-3297	291	2	f	f	NOUN
fsr-3297	291	3	br	br	NOUN
fsr-3297	291	4	ea	ea	X
fsr-3297	292	1	ke	ke	PROPN
fsr-3297	292	2	ve	ve	PROPN
fsr-3297	292	3	n	n	ADV
fsr-3297	292	4	ir	ir	NOUN
fsr-3297	292	5	r	r	NOUN
fsr-3297	292	6	w	w	PROPN
fsr-3297	292	7	m	m	NOUN
fsr-3297	292	8	_	_	NOUN
fsr-3297	292	9	b	b	X
fsr-3297	292	10	f	f	NOUN
fsr-3297	292	11	br	br	NOUN
fsr-3297	292	12	ea	ea	PROPN
fsr-3297	292	13	ke	ke	PROPN
fsr-3297	292	14	ve	ve	PROPN
fsr-3297	292	15	n	n	ADV
fsr-3297	292	16	ir	ir	NOUN
fsr-3297	292	17	r	r	NOUN
fsr-3297	292	18	b	b	PROPN
fsr-3297	292	19	m	m	NOUN
fsr-3297	292	20	_	_	PUNCT
fsr-3297	293	1	w	w	NOUN
fsr-3297	293	2	f	f	NOUN
fsr-3297	293	3	br	br	NOUN
fsr-3297	293	4	ea	ea	PROPN
fsr-3297	293	5	ke	ke	PROPN
fsr-3297	293	6	ve	ve	PROPN
fsr-3297	293	7	n	n	ADV
fsr-3297	293	8	ir	ir	NOUN
fsr-3297	293	9	r	r	NOUN
fsr-3297	293	10	w	w	PROPN
fsr-3297	293	11	m	m	NOUN
fsr-3297	293	12	_	_	NOUN
fsr-3297	293	13	h	h	NOUN
fsr-3297	294	1	f	f	NOUN
fsr-3297	294	2	br	br	NOUN
fsr-3297	294	3	ea	ea	X
fsr-3297	294	4	ke	ke	PROPN
fsr-3297	294	5	ve	ve	PROPN
fsr-3297	294	6	n	n	ADV
fsr-3297	294	7	ir	ir	NOUN
fsr-3297	294	8	r	r	NOUN
fsr-3297	295	1	h	h	NOUN
fsr-3297	295	2	m	m	NOUN
fsr-3297	295	3	_	_	NOUN
fsr-3297	296	1	w	w	NOUN
fsr-3297	296	2	f	f	NOUN
fsr-3297	296	3	br	br	NOUN
fsr-3297	296	4	ea	ea	PROPN
fsr-3297	296	5	ke	ke	PROPN
fsr-3297	296	6	ve	ve	PROPN
fsr-3297	296	7	n	n	ADV
fsr-3297	296	8	ir	ir	NOUN
fsr-3297	296	9	r	r	NOUN
fsr-3297	296	10	b	b	PROPN
fsr-3297	296	11	m	m	NOUN
fsr-3297	296	12	_	_	NOUN
fsr-3297	296	13	h	h	NOUN
fsr-3297	297	1	f	f	NOUN
fsr-3297	297	2	br	br	NOUN
fsr-3297	297	3	ea	ea	X
fsr-3297	297	4	ke	ke	PROPN
fsr-3297	297	5	ve	ve	PROPN
fsr-3297	297	6	n	n	ADV
fsr-3297	297	7	ir	ir	NOUN
fsr-3297	297	8	r	r	NOUN
fsr-3297	297	9	h	h	NOUN
fsr-3297	297	10	m	m	NOUN
fsr-3297	297	11	_	_	NOUN
fsr-3297	297	12	b	b	X
fsr-3297	297	13	f	f	NOUN
fsr-3297	297	14	br	br	NOUN
fsr-3297	297	15	ea	ea	PROPN
fsr-3297	298	1	ke	ke	PROPN
fsr-3297	298	2	ve	ve	PROPN
fsr-3297	298	3	n	n	ADV
fsr-3297	298	4	ir	ir	NOUN
fsr-3297	298	5	r	r	NOUN
fsr-3297	298	6	0	0	NUM
fsr-3297	298	7	62	62	NUM
fsr-3297	298	8	62	62	NUM
fsr-3297	298	9	66	66	NUM
fsr-3297	298	10	66	66	NUM
fsr-3297	298	11	1	1	NUM
fsr-3297	298	12	.	.	X
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fsr-3297	310	71	1	1	NUM
fsr-3297	310	72	.	.	NUM
fsr-3297	310	73	78	78	NUM
fsr-3297	310	74	%	%	NOUN
fsr-3297	310	75	10	10	NUM
fsr-3297	310	76	66	66	NUM
fsr-3297	310	77	66	66	NUM
fsr-3297	310	78	70	70	NUM
fsr-3297	310	79	70	70	NUM
fsr-3297	310	80	71	71	NUM
fsr-3297	310	81	.3	.3	NUM
fsr-3297	310	82	0	0	NUM
fsr-3297	310	83	%	%	NOUN
fsr-3297	310	84	52	52	NUM
fsr-3297	310	85	.4	.4	NUM
fsr-3297	310	86	6	6	NUM
fsr-3297	310	87	%	%	NOUN
fsr-3297	310	88	32	32	NUM
fsr-3297	310	89	.7	.7	NUM
fsr-3297	310	90	1	1	NUM
fsr-3297	310	91	%	%	NOUN
fsr-3297	310	92	56	56	NUM
fsr-3297	310	93	.2	.2	NUM
fsr-3297	310	94	6	6	NUM
fsr-3297	310	95	%	%	NOUN
fsr-3297	310	96	64	64	NUM
fsr-3297	310	97	.7	.7	NUM
fsr-3297	310	98	8	8	NUM
fsr-3297	310	99	%	%	NOUN
fsr-3297	310	100	12	12	NUM
fsr-3297	310	101	8	8	NUM
fsr-3297	310	102	.	.	PUNCT
fsr-3297	310	103	09	09	NUM
fsr-3297	310	104	%	%	NOUN
fsr-3297	310	105	�	�	PROPN
fsr-3297	310	106	0	0	NUM
fsr-3297	310	107	.	.	PUNCT
fsr-3297	311	1	71	71	NUM
fsr-3297	311	2	%	%	NOUN
fsr-3297	311	3	10	10	NUM
fsr-3297	311	4	9	9	NUM
fsr-3297	311	5	.	.	X
fsr-3297	311	6	54	54	NUM
fsr-3297	311	7	%	%	NOUN
fsr-3297	311	8	�	�	PROPN
fsr-3297	311	9	0	0	NUM
fsr-3297	311	10	.	.	PROPN
fsr-3297	311	11	33	33	NUM
fsr-3297	311	12	%	%	NOUN
fsr-3297	312	1	n	n	PRON
fsr-3297	312	2	ot	ot	INTJ
fsr-3297	312	3	es	es	X
fsr-3297	312	4	:	:	PUNCT
fsr-3297	312	5	ir	ir	PROPN
fsr-3297	312	6	r	r	NOUN
fsr-3297	312	7	�	�	PROPN
fsr-3297	312	8	in	in	ADP
fsr-3297	312	9	te	te	PROPN
fsr-3297	312	10	rn	rn	PROPN
fsr-3297	312	11	al	al	PROPN
fsr-3297	312	12	ra	ra	PROPN
fsr-3297	313	1	te	te	PROPN
fsr-3297	313	2	of	of	ADP
fsr-3297	313	3	re	re	PROPN
fsr-3297	313	4	tu	tu	PROPN
fsr-3297	313	5	rn	rn	PROPN
fsr-3297	313	6	;	;	PUNCT
fsr-3297	313	7	w	w	PROPN
fsr-3297	313	8	�	�	PROPN
fsr-3297	313	9	w	w	PROPN
fsr-3297	313	10	hi	hi	INTJ
fsr-3297	313	11	te	te	PROPN
fsr-3297	313	12	;	;	PUNCT
fsr-3297	313	13	b	b	X
fsr-3297	313	14	�	�	PROPN
fsr-3297	313	15	b	b	PROPN
fsr-3297	313	16	la	la	X
fsr-3297	313	17	ck	ck	ADV
fsr-3297	313	18	;	;	PUNCT
fsr-3297	313	19	h	h	PROPN
fsr-3297	313	20	�	�	PROPN
fsr-3297	313	21	h	h	PROPN
fsr-3297	313	22	is	be	AUX
fsr-3297	313	23	pa	pa	PROPN
fsr-3297	313	24	ni	ni	PROPN
fsr-3297	313	25	c	c	PROPN
fsr-3297	313	26	;	;	PUNCT
fsr-3297	313	27	m	m	VERB
fsr-3297	313	28	�	�	PROPN
fsr-3297	313	29	m	m	PROPN
fsr-3297	313	30	al	al	PROPN
fsr-3297	313	31	e	e	PROPN
fsr-3297	313	32	;	;	PUNCT
fsr-3297	313	33	f	f	PROPN
fsr-3297	313	34	�	�	PROPN
fsr-3297	313	35	fe	fe	PROPN
fsr-3297	313	36	m	m	PROPN
fsr-3297	313	37	al	al	PROPN
fsr-3297	313	38	e.	e.	PROPN
fsr-3297	313	39	a	a	PROPN
fsr-3297	313	40	pe	pe	PROPN
fsr-3297	313	41	rc	rc	PROPN
fsr-3297	313	42	en	en	X
fsr-3297	313	43	ta	ta	X
fsr-3297	314	1	ge	ge	PROPN
fsr-3297	314	2	di	di	PROPN
fsr-3297	314	3	ff	ff	INTJ
fsr-3297	314	4	er	er	INTJ
fsr-3297	314	5	en	en	X
fsr-3297	314	6	ce	ce	PROPN
fsr-3297	314	7	ca	can	AUX
fsr-3297	314	8	lc	lc	PROPN
fsr-3297	314	9	ul	ul	INTJ
fsr-3297	314	10	at	at	ADP
fsr-3297	314	11	ed	ed	PROPN
fsr-3297	314	12	as	as	SCONJ
fsr-3297	314	13	ab	ab	PROPN
fsr-3297	314	14	so	so	ADV
fsr-3297	314	15	lu	lu	PROPN
fsr-3297	314	16	te	te	PROPN
fsr-3297	314	17	va	va	PROPN
fsr-3297	314	18	lu	lu	PROPN
fsr-3297	315	1	e	e	PROPN
fsr-3297	315	2	of	of	ADP
fsr-3297	315	3	(	(	PUNCT
fsr-3297	315	4	f	f	X
fsr-3297	315	5	em	em	PROPN
fsr-3297	315	6	al	al	PROPN
fsr-3297	315	7	e	e	PROPN
fsr-3297	315	8	br	br	NOUN
fsr-3297	315	9	ea	ea	X
fsr-3297	315	10	dw	dw	PROPN
fsr-3297	315	11	in	in	ADP
fsr-3297	315	12	ne	ne	NOUN
fsr-3297	315	13	r	r	NOUN
fsr-3297	315	14	ir	ir	PROPN
fsr-3297	315	15	r	r	NOUN
fsr-3297	315	16	m	m	VERB
fsr-3297	315	17	al	al	NOUN
fsr-3297	315	18	e	e	PROPN
fsr-3297	315	19	br	br	NOUN
fsr-3297	315	20	ea	ea	X
fsr-3297	315	21	dw	dw	PROPN
fsr-3297	315	22	in	in	ADP
fsr-3297	315	23	ne	ne	NOUN
fsr-3297	315	24	r	r	NOUN
fsr-3297	315	25	ir	ir	PROPN
fsr-3297	315	26	r	r	NOUN
fsr-3297	315	27	)	)	PUNCT
fsr-3297	315	28	di	di	NOUN
fsr-3297	315	29	vi	vi	PROPN
fsr-3297	315	30	de	de	PROPN
fsr-3297	315	31	d	d	PROPN
fsr-3297	315	32	by	by	ADP
fsr-3297	315	33	m	m	PROPN
fsr-3297	315	34	al	al	PROPN
fsr-3297	315	35	e	e	PROPN
fsr-3297	315	36	br	br	NOUN
fsr-3297	315	37	ea	ea	X
fsr-3297	315	38	dw	dw	PROPN
fsr-3297	315	39	in	in	ADP
fsr-3297	315	40	ne	ne	NOUN
fsr-3297	315	41	r	r	NOUN
fsr-3297	315	42	ir	ir	NOUN
fsr-3297	315	43	r	r	NOUN
fsr-3297	315	44	or	or	CCONJ
fsr-3297	315	45	(	(	PUNCT
fsr-3297	315	46	t	t	PROPN
fsr-3297	315	47	ab	ab	PROPN
fsr-3297	315	48	le	le	X
fsr-3297	315	49	2b	2b	X
fsr-3297	315	50	ir	ir	PROPN
fsr-3297	315	51	r	r	PROPN
fsr-3297	315	52	t	t	PROPN
fsr-3297	315	53	ab	ab	PROPN
fsr-3297	315	54	le	le	X
fsr-3297	315	55	2a	2a	PROPN
fsr-3297	315	56	ir	ir	PROPN
fsr-3297	315	57	r	r	NOUN
fsr-3297	315	58	)	)	PUNCT
fsr-3297	315	59	/	/	SYM
fsr-3297	315	60	a	a	DET
fsr-3297	315	61	b	b	X
fsr-3297	315	62	s	s	X
fsr-3297	315	63	(	(	PUNCT
fsr-3297	315	64	t	t	PROPN
fsr-3297	315	65	ab	ab	PROPN
fsr-3297	315	66	le	le	X
fsr-3297	315	67	2a	2a	PROPN
fsr-3297	315	68	ir	ir	X
fsr-3297	315	69	r	r	NOUN
fsr-3297	315	70	)	)	PUNCT
fsr-3297	315	71	.	.	PUNCT
fsr-3297	316	1	102	102	NUM
fsr-3297	316	2	d.s	d.s	PROPN
fsr-3297	316	3	.	.	PROPN
fsr-3297	316	4	docking	docking	NOUN
fsr-3297	316	5	et	et	PROPN
fsr-3297	316	6	al	al	PROPN
fsr-3297	316	7	.	.	PUNCT
fsr-3297	316	8	/	/	SYM
fsr-3297	316	9	financial	financial	ADJ
fsr-3297	316	10	services	service	NOUN
fsr-3297	316	11	review	review	VERB
fsr-3297	316	12	26	26	NUM
fsr-3297	316	13	(	(	PUNCT
fsr-3297	316	14	2017	2017	NUM
fsr-3297	316	15	)	)	PUNCT
fsr-3297	317	1	87–111	87–111	PROPN
fsr-3297	317	2	t	t	PROPN
fsr-3297	317	3	ab	ab	PROPN
fsr-3297	317	4	le	le	X
fsr-3297	317	5	2d	2d	PROPN
fsr-3297	317	6	pe	pe	PROPN
fsr-3297	317	7	rc	rc	PROPN
fsr-3297	317	8	en	en	PROPN
fsr-3297	317	9	t	t	PROPN
fsr-3297	317	10	di	di	X
fsr-3297	318	1	ff	ff	INTJ
fsr-3297	318	2	er	er	INTJ
fsr-3297	318	3	en	en	X
fsr-3297	318	4	ce	ce	PROPN
fsr-3297	318	5	in	in	ADP
fsr-3297	318	6	br	br	PROPN
fsr-3297	318	7	ea	ea	PROPN
fsr-3297	318	8	ke	ke	PROPN
fsr-3297	318	9	ve	ve	PROPN
fsr-3297	318	10	n	n	ADV
fsr-3297	318	11	ir	ir	NOUN
fsr-3297	318	12	r	r	NOUN
fsr-3297	318	13	s	s	NOUN
fsr-3297	318	14	fo	fo	ADP
fsr-3297	318	15	r	r	NOUN
fsr-3297	318	16	a	a	DET
fsr-3297	318	17	sa	sa	NOUN
fsr-3297	318	18	m	m	VERB
fsr-3297	318	19	pl	pl	PROPN
fsr-3297	318	20	e	e	PROPN
fsr-3297	318	21	of	of	ADP
fsr-3297	318	22	m	m	PROPN
fsr-3297	318	23	ar	ar	PROPN
fsr-3297	318	24	ri	ri	PROPN
fsr-3297	318	25	ed	ed	PROPN
fsr-3297	318	26	re	re	PROPN
fsr-3297	318	27	tir	tir	VERB
fsr-3297	318	28	em	em	PRON
fsr-3297	318	29	en	en	PROPN
fsr-3297	318	30	t	t	PROPN
fsr-3297	318	31	ag	ag	PROPN
fsr-3297	318	32	es	es	PROPN
fsr-3297	318	33	w	w	PROPN
fsr-3297	318	34	ith	ith	NOUN
fsr-3297	318	35	in	in	ADP
fsr-3297	318	36	cr	cr	PROPN
fsr-3297	318	37	ea	ea	PROPN
fsr-3297	318	38	si	si	PROPN
fsr-3297	318	39	ng	ng	PROPN
fsr-3297	318	40	ag	ag	PROPN
fsr-3297	318	41	e	e	PROPN
fsr-3297	318	42	di	di	NOUN
fsr-3297	319	1	ff	ff	INTJ
fsr-3297	319	2	er	er	INTJ
fsr-3297	319	3	en	en	PROPN
fsr-3297	319	4	ce	ce	PROPN
fsr-3297	319	5	s	s	PROPN
fsr-3297	319	6	a	a	DET
fsr-3297	319	7	ge	ge	PROPN
fsr-3297	319	8	di	di	INTJ
fsr-3297	320	1	ff	ff	INTJ
fsr-3297	320	2	er	er	INTJ
fsr-3297	320	3	en	en	PROPN
fsr-3297	320	4	ce	ce	PROPN
fsr-3297	320	5	m	m	PROPN
fsr-3297	320	6	al	al	PROPN
fsr-3297	320	7	e	e	PROPN
fsr-3297	320	8	re	re	AUX
fsr-3297	320	9	tir	tir	VERB
fsr-3297	320	10	em	em	PRON
fsr-3297	320	11	en	en	PROPN
fsr-3297	320	12	t	t	PROPN
fsr-3297	320	13	ag	ag	PROPN
fsr-3297	320	14	e	e	PROPN
fsr-3297	320	15	1	1	NUM
fsr-3297	320	16	fe	fe	X
fsr-3297	320	17	m	m	PROPN
fsr-3297	320	18	al	al	PROPN
fsr-3297	320	19	e	e	PROPN
fsr-3297	320	20	re	re	AUX
fsr-3297	320	21	tir	tir	VERB
fsr-3297	320	22	em	em	PRON
fsr-3297	320	23	en	en	PROPN
fsr-3297	320	24	t	t	PROPN
fsr-3297	320	25	ag	ag	PROPN
fsr-3297	320	26	e	e	PROPN
fsr-3297	320	27	1	1	NUM
fsr-3297	320	28	m	m	VERB
fsr-3297	320	29	al	al	PROPN
fsr-3297	320	30	e	e	PROPN
fsr-3297	320	31	re	re	AUX
fsr-3297	320	32	tir	tir	VERB
fsr-3297	320	33	em	em	PRON
fsr-3297	320	34	en	en	PROPN
fsr-3297	320	35	t	t	PROPN
fsr-3297	320	36	ag	ag	PROPN
fsr-3297	320	37	e	e	PROPN
fsr-3297	320	38	2	2	NUM
fsr-3297	320	39	fe	fe	X
fsr-3297	320	40	m	m	NOUN
fsr-3297	320	41	al	al	PROPN
fsr-3297	320	42	e	e	PROPN
fsr-3297	320	43	re	re	AUX
fsr-3297	320	44	tir	tir	VERB
fsr-3297	320	45	em	em	PRON
fsr-3297	320	46	en	en	PROPN
fsr-3297	320	47	t	t	PROPN
fsr-3297	320	48	ag	ag	PROPN
fsr-3297	320	49	e	e	PROPN
fsr-3297	320	50	2	2	NUM
fsr-3297	321	1	w	w	NOUN
fsr-3297	321	2	m	m	NUM
fsr-3297	321	3	_	_	PUNCT
fsr-3297	321	4	w	w	NOUN
fsr-3297	321	5	f	f	NOUN
fsr-3297	321	6	br	br	NOUN
fsr-3297	321	7	ea	ea	PROPN
fsr-3297	321	8	ke	ke	PROPN
fsr-3297	321	9	ve	ve	PROPN
fsr-3297	321	10	n	n	ADV
fsr-3297	321	11	ir	ir	NOUN
fsr-3297	321	12	r	r	NOUN
fsr-3297	321	13	a	a	DET
fsr-3297	321	14	b	b	NOUN
fsr-3297	321	15	m	m	NOUN
fsr-3297	321	16	_	_	NOUN
fsr-3297	322	1	b	b	X
fsr-3297	322	2	f	f	NOUN
fsr-3297	322	3	br	br	NOUN
fsr-3297	322	4	ea	ea	PROPN
fsr-3297	322	5	ke	ke	PROPN
fsr-3297	322	6	ve	ve	PROPN
fsr-3297	322	7	n	n	ADV
fsr-3297	322	8	ir	ir	NOUN
fsr-3297	322	9	r	r	NOUN
fsr-3297	322	10	h	h	NOUN
fsr-3297	322	11	m	m	NOUN
fsr-3297	322	12	_	_	NOUN
fsr-3297	323	1	h	h	NOUN
fsr-3297	323	2	f	f	NOUN
fsr-3297	323	3	br	br	NOUN
fsr-3297	323	4	ea	ea	X
fsr-3297	324	1	ke	ke	PROPN
fsr-3297	324	2	ve	ve	PROPN
fsr-3297	324	3	n	n	ADV
fsr-3297	324	4	ir	ir	NOUN
fsr-3297	324	5	r	r	NOUN
fsr-3297	324	6	w	w	PROPN
fsr-3297	324	7	m	m	NOUN
fsr-3297	324	8	_	_	NOUN
fsr-3297	324	9	b	b	X
fsr-3297	324	10	f	f	NOUN
fsr-3297	324	11	br	br	NOUN
fsr-3297	324	12	ea	ea	PROPN
fsr-3297	324	13	ke	ke	PROPN
fsr-3297	324	14	ve	ve	PROPN
fsr-3297	324	15	n	n	ADV
fsr-3297	324	16	ir	ir	NOUN
fsr-3297	324	17	r	r	NOUN
fsr-3297	324	18	b	b	PROPN
fsr-3297	324	19	m	m	NOUN
fsr-3297	324	20	_	_	PUNCT
fsr-3297	325	1	w	w	NOUN
fsr-3297	325	2	f	f	NOUN
fsr-3297	325	3	br	br	NOUN
fsr-3297	325	4	ea	ea	PROPN
fsr-3297	325	5	ke	ke	PROPN
fsr-3297	325	6	ve	ve	PROPN
fsr-3297	325	7	n	n	ADV
fsr-3297	325	8	ir	ir	NOUN
fsr-3297	325	9	r	r	NOUN
fsr-3297	325	10	w	w	PROPN
fsr-3297	325	11	m	m	NOUN
fsr-3297	325	12	_	_	NOUN
fsr-3297	325	13	h	h	NOUN
fsr-3297	326	1	f	f	NOUN
fsr-3297	326	2	br	br	NOUN
fsr-3297	326	3	ea	ea	X
fsr-3297	326	4	ke	ke	PROPN
fsr-3297	326	5	ve	ve	PROPN
fsr-3297	326	6	n	n	ADV
fsr-3297	326	7	ir	ir	NOUN
fsr-3297	326	8	r	r	NOUN
fsr-3297	327	1	h	h	NOUN
fsr-3297	327	2	m	m	NOUN
fsr-3297	327	3	_	_	NOUN
fsr-3297	328	1	w	w	NOUN
fsr-3297	328	2	f	f	NOUN
fsr-3297	328	3	br	br	NOUN
fsr-3297	328	4	ea	ea	PROPN
fsr-3297	328	5	ke	ke	PROPN
fsr-3297	328	6	ve	ve	PROPN
fsr-3297	328	7	n	n	ADV
fsr-3297	328	8	ir	ir	NOUN
fsr-3297	328	9	r	r	NOUN
fsr-3297	328	10	b	b	PROPN
fsr-3297	328	11	m	m	NOUN
fsr-3297	328	12	_	_	NOUN
fsr-3297	328	13	h	h	NOUN
fsr-3297	329	1	f	f	NOUN
fsr-3297	329	2	br	br	NOUN
fsr-3297	329	3	ea	ea	X
fsr-3297	329	4	ke	ke	PROPN
fsr-3297	329	5	ve	ve	PROPN
fsr-3297	329	6	n	n	ADV
fsr-3297	329	7	ir	ir	NOUN
fsr-3297	329	8	r	r	NOUN
fsr-3297	329	9	h	h	NOUN
fsr-3297	329	10	m	m	NOUN
fsr-3297	329	11	_	_	NOUN
fsr-3297	329	12	b	b	X
fsr-3297	329	13	f	f	NOUN
fsr-3297	329	14	br	br	NOUN
fsr-3297	329	15	ea	ea	PROPN
fsr-3297	330	1	ke	ke	PROPN
fsr-3297	330	2	ve	ve	PROPN
fsr-3297	330	3	n	n	ADV
fsr-3297	330	4	ir	ir	NOUN
fsr-3297	330	5	r	r	NOUN
fsr-3297	330	6	0	0	NUM
fsr-3297	330	7	62	62	NUM
fsr-3297	330	8	62	62	NUM
fsr-3297	330	9	66	66	NUM
fsr-3297	330	10	66	66	NUM
fsr-3297	330	11	0	0	NUM
fsr-3297	330	12	.	.	PUNCT
fsr-3297	331	1	07	07	NUM
fsr-3297	331	2	%	%	NOUN
fsr-3297	331	3	0	0	NUM
fsr-3297	331	4	.	.	NOUN
fsr-3297	331	5	03	03	NUM
fsr-3297	332	1	%	%	NOUN
fsr-3297	332	2	0	0	NUM
fsr-3297	332	3	.	.	NUM
fsr-3297	332	4	06	06	NUM
fsr-3297	332	5	%	%	NOUN
fsr-3297	332	6	0	0	NUM
fsr-3297	332	7	.	.	PROPN
fsr-3297	332	8	12	12	NUM
fsr-3297	332	9	%	%	NOUN
fsr-3297	332	10	�	�	PROPN
fsr-3297	332	11	0	0	NUM
fsr-3297	332	12	.	.	PUNCT
fsr-3297	332	13	02	02	NUM
fsr-3297	332	14	%	%	NOUN
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fsr-3297	361	3	1	1	NUM
fsr-3297	361	4	.	.	SYM
fsr-3297	361	5	39	39	NUM
fsr-3297	361	6	%	%	NOUN
fsr-3297	361	7	�	�	PROPN
fsr-3297	361	8	0	0	NUM
fsr-3297	361	9	.	.	PROPN
fsr-3297	361	10	01	01	NUM
fsr-3297	361	11	%	%	NOUN
fsr-3297	361	12	w	w	PROPN
fsr-3297	361	13	�	�	PROPN
fsr-3297	362	1	w	w	PROPN
fsr-3297	362	2	hi	hi	INTJ
fsr-3297	362	3	te	te	PROPN
fsr-3297	362	4	,	,	PUNCT
fsr-3297	362	5	b	b	PROPN
fsr-3297	362	6	�	�	PROPN
fsr-3297	362	7	b	b	PROPN
fsr-3297	362	8	la	la	INTJ
fsr-3297	362	9	ck	ck	INTJ
fsr-3297	362	10	,	,	PUNCT
fsr-3297	362	11	h	h	PROPN
fsr-3297	362	12	�	�	PROPN
fsr-3297	362	13	h	h	PROPN
fsr-3297	362	14	is	be	AUX
fsr-3297	362	15	pa	pa	PROPN
fsr-3297	362	16	ni	ni	PROPN
fsr-3297	362	17	c	c	PROPN
fsr-3297	362	18	,	,	PUNCT
fsr-3297	362	19	m	m	VERB
fsr-3297	362	20	�	�	PROPN
fsr-3297	362	21	m	m	NOUN
fsr-3297	362	22	al	al	PROPN
fsr-3297	362	23	e	e	PROPN
fsr-3297	362	24	,	,	PUNCT
fsr-3297	362	25	f	f	PROPN
fsr-3297	362	26	�	�	PROPN
fsr-3297	362	27	fe	fe	PROPN
fsr-3297	362	28	m	m	PROPN
fsr-3297	362	29	al	al	PROPN
fsr-3297	362	30	e.	e.	PROPN
fsr-3297	363	1	a	a	PROPN
fsr-3297	363	2	pe	pe	PROPN
fsr-3297	363	3	rc	rc	PROPN
fsr-3297	363	4	en	en	X
fsr-3297	363	5	t	t	PROPN
fsr-3297	364	1	d	d	NOUN
fsr-3297	364	2	if	if	SCONJ
fsr-3297	364	3	fe	fe	X
fsr-3297	364	4	re	re	VERB
fsr-3297	364	5	nc	nc	PROPN
fsr-3297	364	6	e	e	PROPN
fsr-3297	364	7	ca	can	AUX
fsr-3297	364	8	lc	lc	PROPN
fsr-3297	364	9	ul	ul	INTJ
fsr-3297	364	10	at	at	ADP
fsr-3297	364	11	ed	ed	NOUN
fsr-3297	364	12	as	as	ADP
fsr-3297	364	13	(	(	PUNCT
fsr-3297	364	14	f	f	X
fsr-3297	364	15	em	em	PROPN
fsr-3297	364	16	al	al	PROPN
fsr-3297	364	17	e	e	PROPN
fsr-3297	364	18	br	br	NOUN
fsr-3297	364	19	ea	ea	X
fsr-3297	364	20	dw	dw	PROPN
fsr-3297	364	21	in	in	ADP
fsr-3297	364	22	ne	ne	NOUN
fsr-3297	364	23	r	r	NOUN
fsr-3297	364	24	ir	ir	PROPN
fsr-3297	364	25	r	r	NOUN
fsr-3297	364	26	m	m	VERB
fsr-3297	364	27	al	al	NOUN
fsr-3297	364	28	e	e	PROPN
fsr-3297	364	29	br	br	NOUN
fsr-3297	364	30	ea	ea	X
fsr-3297	364	31	dw	dw	PROPN
fsr-3297	364	32	in	in	ADP
fsr-3297	364	33	ne	ne	NOUN
fsr-3297	364	34	r	r	NOUN
fsr-3297	364	35	ir	ir	NOUN
fsr-3297	364	36	r	r	NOUN
fsr-3297	364	37	)	)	PUNCT
fsr-3297	364	38	or	or	CCONJ
fsr-3297	364	39	(	(	PUNCT
fsr-3297	364	40	t	t	PROPN
fsr-3297	364	41	ab	ab	PROPN
fsr-3297	364	42	le	le	X
fsr-3297	364	43	2b	2b	X
fsr-3297	364	44	ir	ir	PROPN
fsr-3297	364	45	r	r	PROPN
fsr-3297	364	46	t	t	PROPN
fsr-3297	364	47	ab	ab	PROPN
fsr-3297	364	48	le	le	X
fsr-3297	364	49	2a	2a	PROPN
fsr-3297	364	50	ir	ir	X
fsr-3297	364	51	r	r	NOUN
fsr-3297	364	52	)	)	PUNCT
fsr-3297	364	53	.	.	PUNCT
fsr-3297	365	1	103d.s	103d.s	NUM
fsr-3297	365	2	.	.	PUNCT
fsr-3297	366	1	docking	dock	VERB
fsr-3297	366	2	et	et	PROPN
fsr-3297	366	3	al	al	PROPN
fsr-3297	366	4	.	.	PUNCT
fsr-3297	366	5	/	/	SYM
fsr-3297	366	6	financial	financial	ADJ
fsr-3297	366	7	services	service	NOUN
fsr-3297	366	8	review	review	VERB
fsr-3297	366	9	26	26	NUM
fsr-3297	366	10	(	(	PUNCT
fsr-3297	366	11	2017	2017	NUM
fsr-3297	367	1	)	)	PUNCT
fsr-3297	367	2	87–111	87–111	PROPN
fsr-3297	367	3	results	result	NOUN
fsr-3297	367	4	can	can	AUX
fsr-3297	367	5	be	be	AUX
fsr-3297	367	6	interpreted	interpret	VERB
fsr-3297	367	7	as	as	SCONJ
fsr-3297	367	8	follows	follow	VERB
fsr-3297	367	9	:	:	PUNCT
fsr-3297	367	10	the	the	DET
fsr-3297	367	11	high	high	ADJ
fsr-3297	367	12	(	(	PUNCT
fsr-3297	367	13	low	low	ADJ
fsr-3297	367	14	)	)	PUNCT
fsr-3297	367	15	breakeven	breakeven	NOUN
fsr-3297	367	16	group	group	NOUN
fsr-3297	367	17	would	would	AUX
fsr-3297	367	18	prefer	prefer	VERB
fsr-3297	367	19	to	to	PART
fsr-3297	367	20	retire	retire	VERB
fsr-3297	367	21	later	later	ADV
fsr-3297	367	22	(	(	PUNCT
fsr-3297	367	23	earlier	early	ADV
fsr-3297	367	24	)	)	PUNCT
fsr-3297	367	25	because	because	SCONJ
fsr-3297	367	26	the	the	DET
fsr-3297	367	27	hurdle	hurdle	NOUN
fsr-3297	367	28	rate	rate	NOUN
fsr-3297	367	29	is	be	AUX
fsr-3297	367	30	more	more	ADV
fsr-3297	367	31	difficult	difficult	ADJ
fsr-3297	367	32	(	(	PUNCT
fsr-3297	367	33	less	less	ADV
fsr-3297	367	34	difficult	difficult	ADJ
fsr-3297	367	35	)	)	PUNCT
fsr-3297	367	36	to	to	PART
fsr-3297	367	37	overcome	overcome	VERB
fsr-3297	367	38	.	.	PUNCT
fsr-3297	368	1	thus	thus	ADV
fsr-3297	368	2	,	,	PUNCT
fsr-3297	368	3	hispanics	hispanic	NOUN
fsr-3297	368	4	have	have	VERB
fsr-3297	368	5	a	a	DET
fsr-3297	368	6	more	more	ADV
fsr-3297	368	7	difficult	difficult	ADJ
fsr-3297	368	8	time	time	NOUN
fsr-3297	368	9	retiring	retire	VERB
fsr-3297	368	10	early	early	ADV
fsr-3297	368	11	and	and	CCONJ
fsr-3297	368	12	whites	white	NOUN
fsr-3297	368	13	have	have	VERB
fsr-3297	368	14	a	a	DET
fsr-3297	368	15	less	less	ADV
fsr-3297	368	16	difficult	difficult	ADJ
fsr-3297	368	17	time	time	NOUN
fsr-3297	368	18	retiring	retire	VERB
fsr-3297	368	19	early	early	ADV
fsr-3297	368	20	.	.	PUNCT
fsr-3297	369	1	6.2	6.2	NUM
fsr-3297	369	2	.	.	PUNCT
fsr-3297	370	1	retiring	retire	VERB
fsr-3297	370	2	at	at	ADP
fsr-3297	370	3	different	different	ADJ
fsr-3297	370	4	ages	age	NOUN
fsr-3297	370	5	the	the	DET
fsr-3297	370	6	results	result	NOUN
fsr-3297	370	7	presented	present	VERB
fsr-3297	370	8	in	in	ADP
fsr-3297	370	9	table	table	NOUN
fsr-3297	370	10	3a	3a	NUM
fsr-3297	370	11	are	be	AUX
fsr-3297	370	12	from	from	ADP
fsr-3297	370	13	docking	docking	NOUN
fsr-3297	370	14	,	,	PUNCT
fsr-3297	370	15	fortin	fortin	PROPN
fsr-3297	370	16	,	,	PUNCT
fsr-3297	370	17	and	and	CCONJ
fsr-3297	370	18	michelson	michelson	PROPN
fsr-3297	370	19	(	(	PUNCT
fsr-3297	370	20	2015	2015	NUM
fsr-3297	370	21	)	)	PUNCT
fsr-3297	370	22	and	and	CCONJ
fsr-3297	370	23	are	be	AUX
fsr-3297	370	24	based	base	VERB
fsr-3297	370	25	on	on	ADP
fsr-3297	370	26	applying	apply	VERB
fsr-3297	370	27	the	the	DET
fsr-3297	370	28	previously	previously	ADV
fsr-3297	370	29	described	describe	VERB
fsr-3297	370	30	excel	excel	NOUN
fsr-3297	370	31	models	model	NOUN
fsr-3297	370	32	for	for	ADP
fsr-3297	370	33	a	a	DET
fsr-3297	370	34	representative	representative	ADJ
fsr-3297	370	35	baby	baby	NOUN
fsr-3297	370	36	boom	boom	NOUN
fsr-3297	370	37	birth	birth	NOUN
fsr-3297	370	38	year	year	NOUN
fsr-3297	370	39	of	of	ADP
fsr-3297	370	40	1948	1948	NUM
fsr-3297	370	41	for	for	ADP
fsr-3297	370	42	both	both	CCONJ
fsr-3297	370	43	the	the	DET
fsr-3297	370	44	spouse	spouse	NOUN
fsr-3297	370	45	and	and	CCONJ
fsr-3297	370	46	spouse	spouse	NOUN
fsr-3297	370	47	initially	initially	ADV
fsr-3297	370	48	and	and	CCONJ
fsr-3297	371	1	progressively	progressively	ADV
fsr-3297	371	2	later	late	ADJ
fsr-3297	371	3	years	year	NOUN
fsr-3297	371	4	for	for	ADP
fsr-3297	371	5	the	the	DET
fsr-3297	371	6	non	non	ADJ
fsr-3297	371	7	-	-	ADJ
fsr-3297	371	8	working	working	ADJ
fsr-3297	371	9	female	female	ADJ
fsr-3297	371	10	spouse	spouse	NOUN
fsr-3297	371	11	.	.	PUNCT
fsr-3297	372	1	the	the	DET
fsr-3297	372	2	spouses	spouse	NOUN
fsr-3297	372	3	are	be	AUX
fsr-3297	372	4	assumed	assume	VERB
fsr-3297	372	5	to	to	PART
fsr-3297	372	6	retire	retire	VERB
fsr-3297	372	7	at	at	ADP
fsr-3297	372	8	different	different	ADJ
fsr-3297	372	9	ages	age	NOUN
fsr-3297	372	10	.	.	PUNCT
fsr-3297	373	1	a	a	DET
fsr-3297	373	2	specific	specific	ADJ
fsr-3297	373	3	scenario	scenario	NOUN
fsr-3297	373	4	of	of	ADP
fsr-3297	373	5	the	the	DET
fsr-3297	373	6	impact	impact	NOUN
fsr-3297	373	7	of	of	ADP
fsr-3297	373	8	age	age	NOUN
fsr-3297	373	9	differences	difference	NOUN
fsr-3297	373	10	on	on	ADP
fsr-3297	373	11	an	an	DET
fsr-3297	373	12	early	early	ADJ
fsr-3297	373	13	male	male	ADJ
fsr-3297	373	14	/	/	SYM
fsr-3297	373	15	female	female	ADJ
fsr-3297	373	16	retirement	retirement	NOUN
fsr-3297	373	17	of	of	ADP
fsr-3297	373	18	66	66	NUM
fsr-3297	373	19	and	and	CCONJ
fsr-3297	373	20	62	62	NUM
fsr-3297	373	21	,	,	PUNCT
fsr-3297	373	22	respectively	respectively	ADV
fsr-3297	373	23	,	,	PUNCT
fsr-3297	373	24	versus	versus	ADP
fsr-3297	373	25	a	a	DET
fsr-3297	373	26	late	late	ADJ
fsr-3297	373	27	male	male	ADJ
fsr-3297	373	28	/	/	SYM
fsr-3297	373	29	female	female	ADJ
fsr-3297	373	30	retirement	retirement	NOUN
fsr-3297	373	31	of	of	ADP
fsr-3297	373	32	70	70	NUM
fsr-3297	373	33	and	and	CCONJ
fsr-3297	373	34	66	66	NUM
fsr-3297	373	35	,	,	PUNCT
fsr-3297	373	36	respectively	respectively	ADV
fsr-3297	373	37	,	,	PUNCT
fsr-3297	373	38	is	be	AUX
fsr-3297	373	39	examined	examine	VERB
fsr-3297	373	40	.	.	PUNCT
fsr-3297	374	1	there	there	PRON
fsr-3297	374	2	is	be	VERB
fsr-3297	374	3	a	a	DET
fsr-3297	374	4	not	not	PART
fsr-3297	374	5	applicable	applicable	ADJ
fsr-3297	374	6	(	(	PUNCT
fsr-3297	374	7	na	na	NOUN
fsr-3297	374	8	)	)	PUNCT
fsr-3297	374	9	in	in	ADP
fsr-3297	374	10	the	the	DET
fsr-3297	374	11	table	table	NOUN
fsr-3297	374	12	for	for	ADP
fsr-3297	374	13	an	an	DET
fsr-3297	374	14	age	age	NOUN
fsr-3297	374	15	difference	difference	NOUN
fsr-3297	374	16	of	of	ADP
fsr-3297	374	17	0	0	NUM
fsr-3297	374	18	because	because	SCONJ
fsr-3297	374	19	spousal	spousal	NOUN
fsr-3297	374	20	benefits	benefit	NOUN
fsr-3297	374	21	can	can	AUX
fsr-3297	374	22	not	not	PART
fsr-3297	374	23	be	be	AUX
fsr-3297	374	24	claimed	claim	VERB
fsr-3297	374	25	by	by	ADP
fsr-3297	374	26	the	the	DET
fsr-3297	374	27	female	female	NOUN
fsr-3297	374	28	until	until	SCONJ
fsr-3297	374	29	the	the	DET
fsr-3297	374	30	male	male	NOUN
fsr-3297	374	31	retires	retire	VERB
fsr-3297	374	32	.	.	PUNCT
fsr-3297	375	1	in	in	ADP
fsr-3297	375	2	all	all	DET
fsr-3297	375	3	nine	nine	NUM
fsr-3297	375	4	race	race	NOUN
fsr-3297	375	5	combinations	combination	NOUN
fsr-3297	375	6	the	the	PRON
fsr-3297	375	7	be	be	AUX
fsr-3297	375	8	irrs	irrs	NOUN
fsr-3297	375	9	decline	decline	NOUN
fsr-3297	375	10	as	as	SCONJ
fsr-3297	375	11	the	the	DET
fsr-3297	375	12	age	age	NOUN
fsr-3297	375	13	differences	difference	NOUN
fsr-3297	375	14	increase	increase	VERB
fsr-3297	375	15	.	.	PUNCT
fsr-3297	376	1	this	this	PRON
fsr-3297	376	2	suggests	suggest	VERB
fsr-3297	376	3	that	that	SCONJ
fsr-3297	376	4	the	the	PRON
fsr-3297	376	5	greater	great	ADJ
fsr-3297	376	6	the	the	DET
fsr-3297	376	7	age	age	NOUN
fsr-3297	376	8	difference	difference	NOUN
fsr-3297	376	9	the	the	PRON
fsr-3297	376	10	greater	great	ADJ
fsr-3297	376	11	the	the	DET
fsr-3297	376	12	incentive	incentive	NOUN
fsr-3297	376	13	to	to	PART
fsr-3297	376	14	retire	retire	VERB
fsr-3297	376	15	early	early	ADV
fsr-3297	376	16	as	as	SCONJ
fsr-3297	376	17	the	the	DET
fsr-3297	376	18	hurdle	hurdle	NOUN
fsr-3297	376	19	rate	rate	NOUN
fsr-3297	376	20	is	be	AUX
fsr-3297	376	21	lower	low	ADJ
fsr-3297	376	22	to	to	PART
fsr-3297	376	23	overcome	overcome	VERB
fsr-3297	376	24	.	.	PUNCT
fsr-3297	377	1	6.2.1	6.2.1	X
fsr-3297	377	2	.	.	PUNCT
fsr-3297	378	1	results	result	NOUN
fsr-3297	378	2	of	of	ADP
fsr-3297	378	3	role	role	NOUN
fsr-3297	378	4	switching	switch	VERB
fsr-3297	378	5	table	table	NOUN
fsr-3297	378	6	3b	3b	NOUN
fsr-3297	378	7	shows	show	NOUN
fsr-3297	378	8	be	be	VERB
fsr-3297	378	9	irrs	irrs	NOUN
fsr-3297	378	10	when	when	SCONJ
fsr-3297	378	11	the	the	DET
fsr-3297	378	12	spouse	spouse	NOUN
fsr-3297	378	13	is	be	AUX
fsr-3297	378	14	the	the	DET
fsr-3297	378	15	earner	earner	NOUN
fsr-3297	378	16	and	and	CCONJ
fsr-3297	378	17	is	be	AUX
fsr-3297	378	18	older	old	ADJ
fsr-3297	378	19	than	than	ADP
fsr-3297	378	20	the	the	DET
fsr-3297	378	21	spouse	spouse	NOUN
fsr-3297	378	22	.	.	PUNCT
fsr-3297	379	1	results	result	NOUN
fsr-3297	379	2	are	be	AUX
fsr-3297	379	3	similar	similar	ADJ
fsr-3297	379	4	to	to	ADP
fsr-3297	379	5	when	when	SCONJ
fsr-3297	379	6	we	we	PRON
fsr-3297	379	7	assume	assume	VERB
fsr-3297	379	8	the	the	DET
fsr-3297	379	9	spouse	spouse	NOUN
fsr-3297	379	10	was	be	AUX
fsr-3297	379	11	the	the	DET
fsr-3297	379	12	earner	earner	NOUN
fsr-3297	379	13	and	and	CCONJ
fsr-3297	379	14	was	be	AUX
fsr-3297	379	15	older	old	ADJ
fsr-3297	379	16	than	than	ADP
fsr-3297	379	17	the	the	DET
fsr-3297	379	18	spouse	spouse	NOUN
fsr-3297	379	19	.	.	PUNCT
fsr-3297	380	1	again	again	ADV
fsr-3297	380	2	,	,	PUNCT
fsr-3297	380	3	the	the	DET
fsr-3297	380	4	be	be	AUX
fsr-3297	380	5	irrs	irrs	NOUN
fsr-3297	380	6	uniformly	uniformly	ADV
fsr-3297	380	7	decrease	decrease	NOUN
fsr-3297	380	8	as	as	ADP
fsr-3297	380	9	the	the	DET
fsr-3297	380	10	age	age	NOUN
fsr-3297	380	11	difference	difference	NOUN
fsr-3297	380	12	increases	increase	NOUN
fsr-3297	380	13	.	.	PUNCT
fsr-3297	381	1	this	this	PRON
fsr-3297	381	2	implies	imply	VERB
fsr-3297	381	3	that	that	SCONJ
fsr-3297	381	4	the	the	PRON
fsr-3297	381	5	greater	great	ADJ
fsr-3297	381	6	the	the	DET
fsr-3297	381	7	age	age	NOUN
fsr-3297	381	8	difference	difference	NOUN
fsr-3297	381	9	between	between	ADP
fsr-3297	381	10	couples	couple	NOUN
fsr-3297	381	11	,	,	PUNCT
fsr-3297	381	12	the	the	PRON
fsr-3297	381	13	earlier	early	ADJ
fsr-3297	381	14	the	the	DET
fsr-3297	381	15	couples	couple	NOUN
fsr-3297	381	16	should	should	AUX
fsr-3297	381	17	retire	retire	VERB
fsr-3297	381	18	.	.	PUNCT
fsr-3297	382	1	from	from	ADP
fsr-3297	382	2	table	table	NOUN
fsr-3297	382	3	3c	3c	NUM
fsr-3297	382	4	and	and	CCONJ
fsr-3297	382	5	3d	3d	NOUN
fsr-3297	382	6	we	we	PRON
fsr-3297	382	7	can	can	AUX
fsr-3297	382	8	see	see	VERB
fsr-3297	382	9	that	that	SCONJ
fsr-3297	382	10	in	in	ADP
fsr-3297	382	11	all	all	DET
fsr-3297	382	12	but	but	CCONJ
fsr-3297	382	13	seven	seven	NUM
fsr-3297	382	14	scenarios	scenario	NOUN
fsr-3297	382	15	,	,	PUNCT
fsr-3297	382	16	the	the	DET
fsr-3297	382	17	be	be	NOUN
fsr-3297	382	18	irrs	irrs	NOUN
fsr-3297	382	19	are	be	AUX
fsr-3297	382	20	greater	great	ADJ
fsr-3297	382	21	when	when	SCONJ
fsr-3297	382	22	the	the	DET
fsr-3297	382	23	working	working	NOUN
fsr-3297	382	24	spouse	spouse	NOUN
fsr-3297	382	25	is	be	AUX
fsr-3297	382	26	female	female	ADJ
fsr-3297	382	27	.	.	PUNCT
fsr-3297	383	1	again	again	ADV
fsr-3297	383	2	,	,	PUNCT
fsr-3297	383	3	women	woman	NOUN
fsr-3297	383	4	almost	almost	ADV
fsr-3297	383	5	always	always	ADV
fsr-3297	383	6	have	have	VERB
fsr-3297	383	7	higher	high	ADJ
fsr-3297	383	8	be	be	AUX
fsr-3297	383	9	irrs	irrs	NOUN
fsr-3297	383	10	.	.	PUNCT
fsr-3297	384	1	the	the	DET
fsr-3297	384	2	implication	implication	NOUN
fsr-3297	384	3	is	be	AUX
fsr-3297	384	4	that	that	SCONJ
fsr-3297	384	5	in	in	ADP
fsr-3297	384	6	marriages	marriage	NOUN
fsr-3297	384	7	where	where	SCONJ
fsr-3297	384	8	the	the	DET
fsr-3297	384	9	spouse	spouse	NOUN
fsr-3297	384	10	is	be	AUX
fsr-3297	384	11	the	the	DET
fsr-3297	384	12	breadwinner	breadwinner	NOUN
fsr-3297	384	13	and	and	CCONJ
fsr-3297	384	14	is	be	AUX
fsr-3297	384	15	the	the	DET
fsr-3297	384	16	older	old	ADJ
fsr-3297	384	17	partner	partner	NOUN
fsr-3297	384	18	,	,	PUNCT
fsr-3297	384	19	it	it	PRON
fsr-3297	384	20	is	be	AUX
fsr-3297	384	21	more	more	ADV
fsr-3297	384	22	difficult	difficult	ADJ
fsr-3297	384	23	for	for	SCONJ
fsr-3297	384	24	the	the	DET
fsr-3297	384	25	couple	couple	NOUN
fsr-3297	384	26	to	to	PART
fsr-3297	384	27	retire	retire	VERB
fsr-3297	384	28	early	early	ADV
fsr-3297	384	29	,	,	PUNCT
fsr-3297	384	30	as	as	SCONJ
fsr-3297	384	31	compared	compare	VERB
fsr-3297	384	32	with	with	ADP
fsr-3297	384	33	marriages	marriage	NOUN
fsr-3297	384	34	where	where	SCONJ
fsr-3297	384	35	the	the	DET
fsr-3297	384	36	spouse	spouse	NOUN
fsr-3297	384	37	is	be	AUX
fsr-3297	384	38	the	the	DET
fsr-3297	384	39	breadwinner	breadwinner	NOUN
fsr-3297	384	40	and	and	CCONJ
fsr-3297	384	41	is	be	AUX
fsr-3297	384	42	older	old	ADJ
fsr-3297	384	43	partner	partner	NOUN
fsr-3297	384	44	.	.	PUNCT
fsr-3297	385	1	it	it	PRON
fsr-3297	385	2	is	be	AUX
fsr-3297	385	3	also	also	ADV
fsr-3297	385	4	interesting	interesting	ADJ
fsr-3297	385	5	to	to	PART
fsr-3297	385	6	examine	examine	VERB
fsr-3297	385	7	the	the	DET
fsr-3297	385	8	high	high	ADJ
fsr-3297	385	9	and	and	CCONJ
fsr-3297	385	10	low	low	ADJ
fsr-3297	385	11	be	be	AUX
fsr-3297	385	12	irrs	irrs	NOUN
fsr-3297	385	13	for	for	ADP
fsr-3297	385	14	this	this	DET
fsr-3297	385	15	comparison	comparison	NOUN
fsr-3297	385	16	for	for	ADP
fsr-3297	385	17	each	each	DET
fsr-3297	385	18	age	age	NOUN
fsr-3297	385	19	difference	difference	NOUN
fsr-3297	385	20	by	by	ADP
fsr-3297	385	21	race	race	NOUN
fsr-3297	385	22	category	category	NOUN
fsr-3297	385	23	.	.	PUNCT
fsr-3297	386	1	from	from	ADP
fsr-3297	386	2	tables	table	NOUN
fsr-3297	386	3	3a	3a	NUM
fsr-3297	386	4	and	and	CCONJ
fsr-3297	386	5	3b	3b	NUM
fsr-3297	386	6	the	the	DET
fsr-3297	386	7	high	high	ADJ
fsr-3297	386	8	and	and	CCONJ
fsr-3297	386	9	low	low	ADJ
fsr-3297	386	10	be	be	AUX
fsr-3297	386	11	irrs	irrs	NOUN
fsr-3297	386	12	for	for	ADP
fsr-3297	386	13	the	the	DET
fsr-3297	386	14	following	follow	VERB
fsr-3297	386	15	retirement	retirement	NOUN
fsr-3297	386	16	age	age	NOUN
fsr-3297	386	17	comparisons	comparison	NOUN
fsr-3297	386	18	are	be	AUX
fsr-3297	386	19	evident	evident	ADJ
fsr-3297	386	20	.	.	PUNCT
fsr-3297	387	1	retirement	retirement	NOUN
fsr-3297	387	2	age	age	NOUN
fsr-3297	387	3	comparison	comparison	NOUN
fsr-3297	387	4	male	male	NOUN
fsr-3297	387	5	as	as	ADP
fsr-3297	387	6	breadwinner	breadwinner	NOUN
fsr-3297	387	7	and	and	CCONJ
fsr-3297	387	8	older	old	ADJ
fsr-3297	387	9	female	female	ADJ
fsr-3297	387	10	as	as	ADP
fsr-3297	387	11	breadwinner	breadwinner	NOUN
fsr-3297	387	12	and	and	CCONJ
fsr-3297	387	13	older	old	ADJ
fsr-3297	387	14	high	high	ADJ
fsr-3297	387	15	breakeven	breakeven	PROPN
fsr-3297	387	16	irr	irr	PROPN
fsr-3297	387	17	low	low	PROPN
fsr-3297	387	18	breakeven	breakeven	PROPN
fsr-3297	387	19	irr	irr	PROPN
fsr-3297	387	20	high	high	PROPN
fsr-3297	387	21	breakeven	breakeven	PROPN
fsr-3297	387	22	irr	irr	PROPN
fsr-3297	387	23	low	low	PROPN
fsr-3297	387	24	breakeven	breakeven	PROPN
fsr-3297	387	25	irr	irr	NOUN
fsr-3297	387	26	66/62	66/62	NUM
fsr-3297	387	27	vs.	vs.	ADP
fsr-3297	387	28	70/66	70/66	NUM
fsr-3297	387	29	age	age	NOUN
fsr-3297	387	30	difference	difference	NOUN
fsr-3297	387	31	0	0	NUM
fsr-3297	387	32	na	na	NOUN
fsr-3297	387	33	na	na	NOUN
fsr-3297	387	34	na	na	ADV
fsr-3297	387	35	na	na	PART
fsr-3297	387	36	4	4	NUM
fsr-3297	387	37	hm_hf	hm_hf	INTJ
fsr-3297	387	38	wm_bf	wm_bf	PROPN
fsr-3297	387	39	hm_hf	hm_hf	PROPN
fsr-3297	387	40	bm_wf	bm_wf	PROPN
fsr-3297	387	41	7	7	NUM
fsr-3297	387	42	hm_hf	hm_hf	VERB
fsr-3297	388	1	wm_bf	wm_bf	PROPN
fsr-3297	388	2	hm_hf	hm_hf	PROPN
fsr-3297	388	3	bm_wf	bm_wf	PROPN
fsr-3297	388	4	10	10	NUM
fsr-3297	388	5	hm_hf	hm_hf	VERB
fsr-3297	389	1	wm_bf	wm_bf	PROPN
fsr-3297	389	2	hm_hf	hm_hf	PROPN
fsr-3297	389	3	bm_wf	bm_wf	PROPN
fsr-3297	389	4	remember	remember	VERB
fsr-3297	389	5	that	that	SCONJ
fsr-3297	389	6	a	a	PRON
fsr-3297	389	7	higher	high	ADJ
fsr-3297	389	8	(	(	PUNCT
fsr-3297	389	9	lower	low	ADJ
fsr-3297	389	10	)	)	PUNCT
fsr-3297	389	11	be	be	AUX
fsr-3297	389	12	irr	irr	NOUN
fsr-3297	389	13	would	would	AUX
fsr-3297	389	14	imply	imply	VERB
fsr-3297	389	15	retiring	retire	VERB
fsr-3297	389	16	later	later	ADV
fsr-3297	389	17	(	(	PUNCT
fsr-3297	389	18	earlier	early	ADV
fsr-3297	389	19	)	)	PUNCT
fsr-3297	389	20	because	because	SCONJ
fsr-3297	389	21	the	the	DET
fsr-3297	389	22	hurdle	hurdle	NOUN
fsr-3297	389	23	rate	rate	NOUN
fsr-3297	389	24	opportunity	opportunity	NOUN
fsr-3297	389	25	cost	cost	NOUN
fsr-3297	389	26	is	be	AUX
fsr-3297	389	27	more	more	ADV
fsr-3297	389	28	difficult	difficult	ADJ
fsr-3297	389	29	(	(	PUNCT
fsr-3297	389	30	less	less	ADV
fsr-3297	389	31	difficult	difficult	ADJ
fsr-3297	389	32	)	)	PUNCT
fsr-3297	389	33	to	to	PART
fsr-3297	389	34	overcome	overcome	VERB
fsr-3297	389	35	.	.	PUNCT
fsr-3297	390	1	the	the	DET
fsr-3297	390	2	high	high	ADJ
fsr-3297	390	3	be	be	AUX
fsr-3297	390	4	irr	irr	PROPN
fsr-3297	390	5	104	104	NUM
fsr-3297	390	6	d.s	d.s	PROPN
fsr-3297	390	7	.	.	PROPN
fsr-3297	390	8	docking	dock	VERB
fsr-3297	390	9	et	et	PROPN
fsr-3297	390	10	al	al	PROPN
fsr-3297	390	11	.	.	PUNCT
fsr-3297	390	12	/	/	SYM
fsr-3297	390	13	financial	financial	ADJ
fsr-3297	390	14	services	service	NOUN
fsr-3297	390	15	review	review	VERB
fsr-3297	390	16	26	26	NUM
fsr-3297	390	17	(	(	PUNCT
fsr-3297	390	18	2017	2017	NUM
fsr-3297	390	19	)	)	PUNCT
fsr-3297	391	1	87–111	87–111	PROPN
fsr-3297	391	2	t	t	PROPN
fsr-3297	391	3	ab	ab	PROPN
fsr-3297	391	4	le	le	PROPN
fsr-3297	391	5	3a	3a	PROPN
fsr-3297	391	6	b	b	PROPN
fsr-3297	391	7	re	re	VERB
fsr-3297	391	8	ak	ak	PROPN
fsr-3297	391	9	ev	ev	PROPN
fsr-3297	391	10	en	en	X
fsr-3297	391	11	ir	ir	PROPN
fsr-3297	391	12	r	r	NOUN
fsr-3297	391	13	s	s	NOUN
fsr-3297	391	14	fo	fo	ADP
fsr-3297	391	15	r	r	NOUN
fsr-3297	391	16	a	a	DET
fsr-3297	391	17	sa	sa	NOUN
fsr-3297	391	18	m	m	VERB
fsr-3297	391	19	pl	pl	PROPN
fsr-3297	391	20	e	e	PROPN
fsr-3297	391	21	of	of	ADP
fsr-3297	391	22	m	m	PROPN
fsr-3297	391	23	ar	ar	PROPN
fsr-3297	391	24	ri	ri	PROPN
fsr-3297	391	25	ed	ed	PROPN
fsr-3297	391	26	re	re	PROPN
fsr-3297	391	27	tir	tir	VERB
fsr-3297	391	28	em	em	PRON
fsr-3297	391	29	en	en	PROPN
fsr-3297	391	30	t	t	PROPN
fsr-3297	391	31	ag	ag	PROPN
fsr-3297	391	32	es	es	PROPN
fsr-3297	391	33	w	w	PROPN
fsr-3297	391	34	ith	ith	PROPN
fsr-3297	391	35	di	di	PROPN
fsr-3297	392	1	ff	ff	INTJ
fsr-3297	393	1	er	er	INTJ
fsr-3297	393	2	en	en	ADP
fsr-3297	393	3	t	t	PROPN
fsr-3297	393	4	re	re	AUX
fsr-3297	393	5	tir	tir	VERB
fsr-3297	393	6	em	em	PRON
fsr-3297	393	7	en	en	PROPN
fsr-3297	393	8	t	t	PROPN
fsr-3297	393	9	ag	ag	PROPN
fsr-3297	393	10	es	es	ADP
fsr-3297	393	11	an	an	DET
fsr-3297	393	12	d	d	NOUN
fsr-3297	393	13	in	in	ADP
fsr-3297	393	14	cr	cr	X
fsr-3297	393	15	ea	ea	PROPN
fsr-3297	393	16	si	si	PROPN
fsr-3297	393	17	ng	ng	PROPN
fsr-3297	393	18	ag	ag	PROPN
fsr-3297	393	19	e	e	PROPN
fsr-3297	393	20	di	di	NOUN
fsr-3297	394	1	ff	ff	INTJ
fsr-3297	394	2	er	er	INTJ
fsr-3297	394	3	en	en	PROPN
fsr-3297	394	4	ce	ce	PROPN
fsr-3297	394	5	s.	s.	PROPN
fsr-3297	394	6	m	m	PROPN
fsr-3297	394	7	al	al	PROPN
fsr-3297	394	8	e	e	PROPN
fsr-3297	394	9	as	as	ADP
fsr-3297	394	10	br	br	PROPN
fsr-3297	394	11	ea	ea	X
fsr-3297	394	12	dw	dw	PROPN
fsr-3297	394	13	in	in	ADP
fsr-3297	394	14	ne	ne	PROPN
fsr-3297	394	15	r	r	NOUN
fsr-3297	394	16	an	an	PROPN
fsr-3297	394	17	d	d	NOUN
fsr-3297	394	18	m	m	VERB
fsr-3297	394	19	al	al	PROPN
fsr-3297	394	20	e	e	PROPN
fsr-3297	394	21	ol	ol	PROPN
fsr-3297	394	22	de	de	ADP
fsr-3297	394	23	r	r	PROPN
fsr-3297	394	24	(	(	PUNCT
fsr-3297	394	25	m	m	PROPN
fsr-3297	394	26	al	al	PROPN
fsr-3297	394	27	e	e	PROPN
fsr-3297	394	28	bo	bo	PROPN
fsr-3297	394	29	rn	rn	PROPN
fsr-3297	394	30	19	19	NUM
fsr-3297	394	31	48	48	NUM
fsr-3297	394	32	;	;	PUNCT
fsr-3297	394	33	fe	fe	X
fsr-3297	394	34	m	m	PROPN
fsr-3297	394	35	al	al	PROPN
fsr-3297	394	36	e	e	PROPN
fsr-3297	394	37	bo	bo	PROPN
fsr-3297	394	38	rn	rn	PROPN
fsr-3297	394	39	19	19	NUM
fsr-3297	394	40	48	48	NUM
fsr-3297	394	41	,	,	PUNCT
fsr-3297	394	42	19	19	NUM
fsr-3297	394	43	52	52	NUM
fsr-3297	394	44	,	,	PUNCT
fsr-3297	394	45	19	19	NUM
fsr-3297	394	46	55	55	NUM
fsr-3297	394	47	,	,	PUNCT
fsr-3297	394	48	19	19	NUM
fsr-3297	394	49	58	58	NUM
fsr-3297	394	50	)	)	PUNCT
fsr-3297	394	51	a	a	DET
fsr-3297	394	52	ge	ge	PROPN
fsr-3297	394	53	di	di	PROPN
fsr-3297	394	54	ff	ff	INTJ
fsr-3297	394	55	er	er	INTJ
fsr-3297	394	56	en	en	PROPN
fsr-3297	394	57	ce	ce	PROPN
fsr-3297	394	58	m	m	PROPN
fsr-3297	394	59	al	al	PROPN
fsr-3297	394	60	e	e	PROPN
fsr-3297	394	61	re	re	AUX
fsr-3297	394	62	tir	tir	VERB
fsr-3297	394	63	em	em	PRON
fsr-3297	394	64	en	en	PROPN
fsr-3297	394	65	t	t	PROPN
fsr-3297	394	66	ag	ag	PROPN
fsr-3297	394	67	e	e	PROPN
fsr-3297	394	68	1	1	NUM
fsr-3297	394	69	fe	fe	X
fsr-3297	394	70	m	m	PROPN
fsr-3297	394	71	al	al	PROPN
fsr-3297	394	72	e	e	PROPN
fsr-3297	394	73	re	re	AUX
fsr-3297	394	74	tir	tir	VERB
fsr-3297	394	75	em	em	PRON
fsr-3297	394	76	en	en	PROPN
fsr-3297	394	77	t	t	PROPN
fsr-3297	394	78	ag	ag	PROPN
fsr-3297	394	79	e	e	PROPN
fsr-3297	394	80	1	1	NUM
fsr-3297	394	81	m	m	VERB
fsr-3297	394	82	al	al	PROPN
fsr-3297	394	83	e	e	PROPN
fsr-3297	394	84	re	re	AUX
fsr-3297	394	85	tir	tir	VERB
fsr-3297	394	86	em	em	PRON
fsr-3297	394	87	en	en	PROPN
fsr-3297	394	88	t	t	PROPN
fsr-3297	394	89	ag	ag	PROPN
fsr-3297	394	90	e	e	PROPN
fsr-3297	394	91	2	2	NUM
fsr-3297	394	92	fe	fe	X
fsr-3297	394	93	m	m	NOUN
fsr-3297	394	94	al	al	PROPN
fsr-3297	394	95	e	e	PROPN
fsr-3297	394	96	re	re	AUX
fsr-3297	394	97	tir	tir	VERB
fsr-3297	394	98	em	em	PRON
fsr-3297	394	99	en	en	PROPN
fsr-3297	394	100	t	t	PROPN
fsr-3297	394	101	ag	ag	PROPN
fsr-3297	394	102	e	e	PROPN
fsr-3297	394	103	2	2	NUM
fsr-3297	394	104	w	w	NOUN
fsr-3297	394	105	m	m	NUM
fsr-3297	394	106	_	_	PUNCT
fsr-3297	395	1	w	w	NOUN
fsr-3297	395	2	f	f	NOUN
fsr-3297	395	3	br	br	NOUN
fsr-3297	395	4	ea	ea	PROPN
fsr-3297	395	5	ke	ke	PROPN
fsr-3297	395	6	ve	ve	PROPN
fsr-3297	395	7	n	n	ADV
fsr-3297	395	8	ir	ir	NOUN
fsr-3297	395	9	r	r	NOUN
fsr-3297	395	10	b	b	PROPN
fsr-3297	395	11	m	m	NOUN
fsr-3297	395	12	_	_	NOUN
fsr-3297	395	13	b	b	X
fsr-3297	395	14	f	f	NOUN
fsr-3297	395	15	br	br	NOUN
fsr-3297	395	16	ea	ea	PROPN
fsr-3297	395	17	ke	ke	PROPN
fsr-3297	395	18	ve	ve	PROPN
fsr-3297	395	19	n	n	ADV
fsr-3297	395	20	ir	ir	NOUN
fsr-3297	395	21	r	r	NOUN
fsr-3297	395	22	h	h	NOUN
fsr-3297	395	23	m	m	NOUN
fsr-3297	395	24	_	_	NOUN
fsr-3297	396	1	h	h	NOUN
fsr-3297	396	2	f	f	NOUN
fsr-3297	396	3	br	br	NOUN
fsr-3297	396	4	ea	ea	X
fsr-3297	397	1	ke	ke	PROPN
fsr-3297	397	2	ve	ve	PROPN
fsr-3297	397	3	n	n	ADV
fsr-3297	397	4	ir	ir	NOUN
fsr-3297	397	5	r	r	NOUN
fsr-3297	397	6	w	w	PROPN
fsr-3297	397	7	m	m	NOUN
fsr-3297	397	8	_	_	NOUN
fsr-3297	397	9	b	b	X
fsr-3297	397	10	f	f	NOUN
fsr-3297	397	11	br	br	NOUN
fsr-3297	397	12	ea	ea	PROPN
fsr-3297	397	13	ke	ke	PROPN
fsr-3297	397	14	ve	ve	PROPN
fsr-3297	397	15	n	n	ADV
fsr-3297	397	16	ir	ir	NOUN
fsr-3297	397	17	r	r	NOUN
fsr-3297	397	18	b	b	PROPN
fsr-3297	397	19	m	m	NOUN
fsr-3297	397	20	_	_	PUNCT
fsr-3297	398	1	w	w	NOUN
fsr-3297	398	2	f	f	NOUN
fsr-3297	398	3	br	br	NOUN
fsr-3297	398	4	ea	ea	PROPN
fsr-3297	398	5	ke	ke	PROPN
fsr-3297	398	6	ve	ve	PROPN
fsr-3297	398	7	n	n	ADV
fsr-3297	398	8	ir	ir	NOUN
fsr-3297	398	9	r	r	NOUN
fsr-3297	398	10	w	w	PROPN
fsr-3297	398	11	m	m	NOUN
fsr-3297	398	12	_	_	NOUN
fsr-3297	398	13	h	h	NOUN
fsr-3297	399	1	f	f	NOUN
fsr-3297	399	2	br	br	NOUN
fsr-3297	399	3	ea	ea	X
fsr-3297	399	4	ke	ke	PROPN
fsr-3297	399	5	ve	ve	PROPN
fsr-3297	399	6	n	n	ADV
fsr-3297	399	7	ir	ir	NOUN
fsr-3297	399	8	r	r	NOUN
fsr-3297	400	1	h	h	NOUN
fsr-3297	400	2	m	m	NOUN
fsr-3297	400	3	_	_	NOUN
fsr-3297	401	1	w	w	NOUN
fsr-3297	401	2	f	f	NOUN
fsr-3297	401	3	br	br	NOUN
fsr-3297	401	4	ea	ea	PROPN
fsr-3297	401	5	ke	ke	PROPN
fsr-3297	401	6	ve	ve	PROPN
fsr-3297	401	7	n	n	ADV
fsr-3297	401	8	ir	ir	NOUN
fsr-3297	401	9	r	r	NOUN
fsr-3297	401	10	b	b	PROPN
fsr-3297	401	11	m	m	NOUN
fsr-3297	401	12	_	_	NOUN
fsr-3297	401	13	h	h	NOUN
fsr-3297	402	1	f	f	NOUN
fsr-3297	402	2	br	br	NOUN
fsr-3297	402	3	ea	ea	X
fsr-3297	402	4	ke	ke	PROPN
fsr-3297	402	5	ve	ve	PROPN
fsr-3297	402	6	n	n	ADV
fsr-3297	402	7	ir	ir	NOUN
fsr-3297	402	8	r	r	NOUN
fsr-3297	402	9	h	h	NOUN
fsr-3297	402	10	m	m	NOUN
fsr-3297	402	11	_	_	NOUN
fsr-3297	402	12	b	b	X
fsr-3297	402	13	f	f	NOUN
fsr-3297	402	14	br	br	NOUN
fsr-3297	402	15	ea	ea	PROPN
fsr-3297	403	1	ke	ke	PROPN
fsr-3297	403	2	ve	ve	PROPN
fsr-3297	403	3	n	n	ADV
fsr-3297	403	4	ir	ir	NOUN
fsr-3297	403	5	r	r	NOUN
fsr-3297	403	6	0	0	NUM
fsr-3297	403	7	66	66	NUM
fsr-3297	403	8	62	62	NUM
fsr-3297	403	9	70	70	NUM
fsr-3297	403	10	66	66	NUM
fsr-3297	403	11	n	n	DET
fsr-3297	403	12	a	a	PRON
fsr-3297	403	13	n	n	NOUN
fsr-3297	403	14	a	a	PRON
fsr-3297	403	15	n	n	NOUN
fsr-3297	403	16	a	a	PRON
fsr-3297	403	17	n	n	NOUN
fsr-3297	403	18	a	a	PRON
fsr-3297	403	19	n	n	NOUN
fsr-3297	403	20	a	a	PRON
fsr-3297	403	21	n	n	NOUN
fsr-3297	403	22	a	a	PRON
fsr-3297	403	23	n	n	NOUN
fsr-3297	403	24	a	a	PRON
fsr-3297	403	25	n	n	NOUN
fsr-3297	403	26	a	a	PRON
fsr-3297	403	27	n	n	NOUN
fsr-3297	403	28	a	a	DET
fsr-3297	403	29	4	4	NUM
fsr-3297	403	30	66	66	NUM
fsr-3297	403	31	62	62	NUM
fsr-3297	403	32	70	70	NUM
fsr-3297	403	33	66	66	NUM
fsr-3297	403	34	4	4	NUM
fsr-3297	403	35	.	.	PUNCT
fsr-3297	403	36	60	60	NUM
fsr-3297	403	37	%	%	NOUN
fsr-3297	403	38	4	4	NUM
fsr-3297	403	39	.	.	NOUN
fsr-3297	403	40	80	80	NUM
fsr-3297	403	41	%	%	NOUN
fsr-3297	403	42	5	5	NUM
fsr-3297	403	43	.	.	NUM
fsr-3297	403	44	08	08	NUM
fsr-3297	404	1	%	%	NOUN
fsr-3297	405	1	4	4	NUM
fsr-3297	405	2	.	.	NUM
fsr-3297	405	3	59	59	NUM
fsr-3297	405	4	%	%	NOUN
fsr-3297	405	5	4	4	NUM
fsr-3297	405	6	.	.	NOUN
fsr-3297	405	7	81	81	NUM
fsr-3297	405	8	%	%	NOUN
fsr-3297	405	9	4	4	NUM
fsr-3297	405	10	.	.	NOUN
fsr-3297	405	11	75	75	NUM
fsr-3297	405	12	%	%	NOUN
fsr-3297	405	13	4	4	NUM
fsr-3297	405	14	.	.	NOUN
fsr-3297	405	15	95	95	NUM
fsr-3297	405	16	%	%	NOUN
fsr-3297	405	17	4	4	NUM
fsr-3297	405	18	.	.	NOUN
fsr-3297	405	19	95	95	NUM
fsr-3297	405	20	%	%	NOUN
fsr-3297	405	21	4	4	NUM
fsr-3297	405	22	.	.	NOUN
fsr-3297	405	23	94	94	NUM
fsr-3297	405	24	%	%	NOUN
fsr-3297	405	25	7	7	NUM
fsr-3297	405	26	66	66	NUM
fsr-3297	405	27	62	62	NUM
fsr-3297	405	28	70	70	NUM
fsr-3297	405	29	66	66	NUM
fsr-3297	405	30	4	4	NUM
fsr-3297	405	31	.	.	X
fsr-3297	405	32	46	46	NUM
fsr-3297	405	33	%	%	NOUN
fsr-3297	405	34	4	4	NUM
fsr-3297	405	35	.	.	NUM
fsr-3297	405	36	66	66	NUM
fsr-3297	405	37	%	%	NOUN
fsr-3297	405	38	4	4	NUM
fsr-3297	405	39	.	.	NOUN
fsr-3297	405	40	94	94	NUM
fsr-3297	405	41	%	%	NOUN
fsr-3297	405	42	4	4	NUM
fsr-3297	405	43	.	.	NOUN
fsr-3297	405	44	45	45	NUM
fsr-3297	405	45	%	%	NOUN
fsr-3297	405	46	4	4	NUM
fsr-3297	405	47	.	.	NOUN
fsr-3297	405	48	67	67	NUM
fsr-3297	405	49	%	%	NOUN
fsr-3297	405	50	4	4	NUM
fsr-3297	405	51	.	.	NUM
fsr-3297	405	52	59	59	NUM
fsr-3297	405	53	%	%	NOUN
fsr-3297	405	54	4	4	NUM
fsr-3297	405	55	.	.	NOUN
fsr-3297	405	56	82	82	NUM
fsr-3297	405	57	%	%	NOUN
fsr-3297	405	58	4	4	NUM
fsr-3297	405	59	.	.	NOUN
fsr-3297	405	60	80	80	NUM
fsr-3297	405	61	%	%	NOUN
fsr-3297	405	62	4	4	NUM
fsr-3297	405	63	.	.	NOUN
fsr-3297	405	64	81	81	NUM
fsr-3297	405	65	%	%	NOUN
fsr-3297	405	66	10	10	NUM
fsr-3297	405	67	66	66	NUM
fsr-3297	405	68	62	62	NUM
fsr-3297	405	69	70	70	NUM
fsr-3297	405	70	66	66	NUM
fsr-3297	405	71	4	4	NUM
fsr-3297	405	72	.	.	NOUN
fsr-3297	405	73	29	29	NUM
fsr-3297	405	74	%	%	NOUN
fsr-3297	405	75	4	4	NUM
fsr-3297	405	76	.	.	NOUN
fsr-3297	405	77	50	50	NUM
fsr-3297	405	78	%	%	NOUN
fsr-3297	405	79	4	4	NUM
fsr-3297	405	80	.	.	NOUN
fsr-3297	405	81	78	78	NUM
fsr-3297	405	82	%	%	NOUN
fsr-3297	405	83	4	4	NUM
fsr-3297	405	84	.	.	NOUN
fsr-3297	405	85	28	28	NUM
fsr-3297	405	86	%	%	NOUN
fsr-3297	405	87	4	4	NUM
fsr-3297	405	88	.	.	NOUN
fsr-3297	405	89	51	51	NUM
fsr-3297	405	90	%	%	NOUN
fsr-3297	405	91	4	4	NUM
fsr-3297	405	92	.	.	NOUN
fsr-3297	405	93	41	41	NUM
fsr-3297	405	94	%	%	NOUN
fsr-3297	405	95	4	4	NUM
fsr-3297	405	96	.	.	NOUN
fsr-3297	405	97	68	68	NUM
fsr-3297	405	98	%	%	NOUN
fsr-3297	405	99	4	4	NUM
fsr-3297	405	100	.	.	NOUN
fsr-3297	405	101	62	62	NUM
fsr-3297	405	102	%	%	NOUN
fsr-3297	405	103	4	4	NUM
fsr-3297	405	104	.	.	NOUN
fsr-3297	405	105	67	67	NUM
fsr-3297	405	106	%	%	NOUN
fsr-3297	406	1	n	n	PRON
fsr-3297	406	2	ot	ot	NOUN
fsr-3297	406	3	es	es	X
fsr-3297	406	4	:	:	PUNCT
fsr-3297	406	5	ir	ir	PROPN
fsr-3297	406	6	r	r	NOUN
fsr-3297	406	7	�	�	PROPN
fsr-3297	406	8	in	in	ADP
fsr-3297	406	9	te	te	PROPN
fsr-3297	406	10	rn	rn	PROPN
fsr-3297	406	11	al	al	PROPN
fsr-3297	406	12	ra	ra	PROPN
fsr-3297	406	13	te	te	PROPN
fsr-3297	406	14	of	of	ADP
fsr-3297	406	15	re	re	PROPN
fsr-3297	406	16	tu	tu	PROPN
fsr-3297	406	17	rn	rn	PROPN
fsr-3297	406	18	;	;	PUNCT
fsr-3297	406	19	w	w	PROPN
fsr-3297	406	20	�	�	PROPN
fsr-3297	406	21	w	w	PROPN
fsr-3297	406	22	hi	hi	INTJ
fsr-3297	406	23	te	te	PROPN
fsr-3297	406	24	;	;	PUNCT
fsr-3297	406	25	b	b	X
fsr-3297	406	26	�	�	PROPN
fsr-3297	406	27	b	b	PROPN
fsr-3297	406	28	la	la	X
fsr-3297	406	29	ck	ck	ADV
fsr-3297	406	30	;	;	PUNCT
fsr-3297	406	31	h	h	PROPN
fsr-3297	406	32	�	�	PROPN
fsr-3297	406	33	h	h	PROPN
fsr-3297	406	34	is	be	AUX
fsr-3297	406	35	pa	pa	PROPN
fsr-3297	406	36	ni	ni	PROPN
fsr-3297	406	37	c	c	PROPN
fsr-3297	406	38	;	;	PUNCT
fsr-3297	406	39	m	m	VERB
fsr-3297	406	40	�	�	PROPN
fsr-3297	406	41	m	m	PROPN
fsr-3297	406	42	al	al	PROPN
fsr-3297	406	43	e	e	PROPN
fsr-3297	406	44	;	;	PUNCT
fsr-3297	406	45	f	f	PROPN
fsr-3297	406	46	�	�	PROPN
fsr-3297	406	47	fe	fe	PROPN
fsr-3297	406	48	m	m	PROPN
fsr-3297	406	49	al	al	PROPN
fsr-3297	406	50	e.	e.	PROPN
fsr-3297	406	51	n	n	PROPN
fsr-3297	406	52	a	a	DET
fsr-3297	406	53	�	�	PROPN
fsr-3297	406	54	no	no	DET
fsr-3297	406	55	t	t	NOUN
fsr-3297	406	56	ap	ap	PROPN
fsr-3297	406	57	pl	pl	PROPN
fsr-3297	406	58	ic	ic	PROPN
fsr-3297	406	59	ab	ab	PROPN
fsr-3297	406	60	le	le	PROPN
fsr-3297	406	61	be	be	AUX
fsr-3297	406	62	ca	can	AUX
fsr-3297	406	63	us	us	PROPN
fsr-3297	406	64	e	e	NOUN
fsr-3297	406	65	if	if	SCONJ
fsr-3297	406	66	hu	hu	PROPN
fsr-3297	406	67	sb	sb	PROPN
fsr-3297	406	68	an	an	DET
fsr-3297	406	69	d	d	PROPN
fsr-3297	406	70	(	(	PUNCT
fsr-3297	406	71	m	m	PROPN
fsr-3297	406	72	al	al	PROPN
fsr-3297	406	73	e	e	PROPN
fsr-3297	406	74	)	)	PUNCT
fsr-3297	406	75	an	an	DET
fsr-3297	406	76	d	d	X
fsr-3297	406	77	w	w	NOUN
fsr-3297	406	78	if	if	SCONJ
fsr-3297	406	79	e	e	X
fsr-3297	406	80	(	(	PUNCT
fsr-3297	406	81	fe	fe	X
fsr-3297	406	82	m	m	PROPN
fsr-3297	406	83	al	al	PROPN
fsr-3297	406	84	e	e	PROPN
fsr-3297	406	85	)	)	PUNCT
fsr-3297	406	86	ar	ar	PROPN
fsr-3297	406	87	e	e	PROPN
fsr-3297	406	88	sa	sa	PROPN
fsr-3297	406	89	m	m	PROPN
fsr-3297	406	90	e	e	PROPN
fsr-3297	406	91	ag	ag	PROPN
fsr-3297	406	92	e	e	PROPN
fsr-3297	406	93	,	,	PUNCT
fsr-3297	406	94	w	w	SCONJ
fsr-3297	406	95	if	if	SCONJ
fsr-3297	406	96	e	e	PROPN
fsr-3297	406	97	ca	can	AUX
fsr-3297	406	98	nn	nn	INTJ
fsr-3297	406	99	ot	ot	X
fsr-3297	406	100	re	re	X
fsr-3297	406	101	tir	tir	PROPN
fsr-3297	406	102	e	e	PROPN
fsr-3297	406	103	an	an	PROPN
fsr-3297	406	104	d	d	X
fsr-3297	406	105	dr	dr	PROPN
fsr-3297	406	106	aw	aw	INTJ
fsr-3297	406	107	sp	sp	ADP
fsr-3297	406	108	ou	ou	PROPN
fsr-3297	406	109	sa	sa	PROPN
fsr-3297	406	110	l	l	PROPN
fsr-3297	406	111	be	be	AUX
fsr-3297	406	112	ne	ne	X
fsr-3297	406	113	fit	fit	PROPN
fsr-3297	406	114	s	s	PART
fsr-3297	406	115	be	be	VERB
fsr-3297	406	116	fo	fo	ADP
fsr-3297	406	117	re	re	INTJ
fsr-3297	406	118	he	he	PRON
fsr-3297	407	1	r	r	PROPN
fsr-3297	407	2	hu	hu	PROPN
fsr-3297	407	3	sb	sb	PROPN
fsr-3297	407	4	an	an	PROPN
fsr-3297	407	5	d	d	X
fsr-3297	407	6	re	re	X
fsr-3297	407	7	tir	tir	PROPN
fsr-3297	407	8	es	es	NOUN
fsr-3297	407	9	.	.	PUNCT
fsr-3297	408	1	105d.s	105d.s	X
fsr-3297	408	2	.	.	PUNCT
fsr-3297	408	3	docking	dock	VERB
fsr-3297	408	4	et	et	NOUN
fsr-3297	408	5	al	al	PROPN
fsr-3297	408	6	.	.	PUNCT
fsr-3297	408	7	/	/	SYM
fsr-3297	408	8	financial	financial	ADJ
fsr-3297	408	9	services	service	NOUN
fsr-3297	408	10	review	review	VERB
fsr-3297	408	11	26	26	NUM
fsr-3297	408	12	(	(	PUNCT
fsr-3297	408	13	2017	2017	NUM
fsr-3297	408	14	)	)	PUNCT
fsr-3297	409	1	87–111	87–111	PROPN
fsr-3297	409	2	t	t	PROPN
fsr-3297	409	3	ab	ab	PROPN
fsr-3297	409	4	le	le	X
fsr-3297	409	5	3b	3b	PROPN
fsr-3297	409	6	b	b	PROPN
fsr-3297	409	7	re	re	VERB
fsr-3297	409	8	ak	ak	PROPN
fsr-3297	409	9	ev	ev	PROPN
fsr-3297	409	10	en	en	X
fsr-3297	409	11	ir	ir	PROPN
fsr-3297	410	1	r	r	NOUN
fsr-3297	410	2	s	s	NOUN
fsr-3297	410	3	fo	fo	ADP
fsr-3297	410	4	r	r	NOUN
fsr-3297	410	5	a	a	DET
fsr-3297	410	6	sa	sa	NOUN
fsr-3297	410	7	m	m	VERB
fsr-3297	410	8	pl	pl	PROPN
fsr-3297	410	9	e	e	PROPN
fsr-3297	410	10	of	of	ADP
fsr-3297	410	11	m	m	PROPN
fsr-3297	410	12	ar	ar	PROPN
fsr-3297	410	13	ri	ri	PROPN
fsr-3297	410	14	ed	ed	PROPN
fsr-3297	410	15	re	re	PROPN
fsr-3297	410	16	tir	tir	VERB
fsr-3297	410	17	em	em	PRON
fsr-3297	410	18	en	en	PROPN
fsr-3297	410	19	t	t	PROPN
fsr-3297	410	20	ag	ag	PROPN
fsr-3297	410	21	es	es	PROPN
fsr-3297	410	22	w	w	PROPN
fsr-3297	410	23	ith	ith	PROPN
fsr-3297	410	24	di	di	PROPN
fsr-3297	411	1	ff	ff	INTJ
fsr-3297	412	1	er	er	INTJ
fsr-3297	412	2	en	en	ADP
fsr-3297	412	3	t	t	PROPN
fsr-3297	412	4	re	re	AUX
fsr-3297	412	5	tir	tir	VERB
fsr-3297	412	6	em	em	PRON
fsr-3297	412	7	en	en	PROPN
fsr-3297	412	8	t	t	PROPN
fsr-3297	412	9	ag	ag	PROPN
fsr-3297	412	10	es	es	ADP
fsr-3297	412	11	an	an	DET
fsr-3297	412	12	d	d	NOUN
fsr-3297	412	13	in	in	ADP
fsr-3297	412	14	cr	cr	X
fsr-3297	412	15	ea	ea	PROPN
fsr-3297	412	16	si	si	PROPN
fsr-3297	412	17	ng	ng	PROPN
fsr-3297	412	18	ag	ag	PROPN
fsr-3297	412	19	e	e	PROPN
fsr-3297	412	20	di	di	NOUN
fsr-3297	413	1	ff	ff	INTJ
fsr-3297	413	2	er	er	INTJ
fsr-3297	413	3	en	en	PROPN
fsr-3297	413	4	ce	ce	PROPN
fsr-3297	413	5	s.	s.	PROPN
fsr-3297	413	6	fe	fe	PROPN
fsr-3297	413	7	m	m	PROPN
fsr-3297	413	8	al	al	PROPN
fsr-3297	413	9	e	e	PROPN
fsr-3297	413	10	as	as	ADP
fsr-3297	413	11	br	br	PROPN
fsr-3297	413	12	ea	ea	X
fsr-3297	413	13	dw	dw	PROPN
fsr-3297	413	14	in	in	ADP
fsr-3297	413	15	ne	ne	PROPN
fsr-3297	413	16	r	r	VERB
fsr-3297	413	17	an	an	DET
fsr-3297	413	18	d	d	X
fsr-3297	413	19	fe	fe	X
fsr-3297	413	20	m	m	NOUN
fsr-3297	413	21	al	al	PROPN
fsr-3297	413	22	e	e	PROPN
fsr-3297	413	23	ol	ol	PROPN
fsr-3297	413	24	de	de	ADP
fsr-3297	413	25	r	r	PROPN
fsr-3297	413	26	(	(	PUNCT
fsr-3297	413	27	f	f	X
fsr-3297	413	28	em	em	PROPN
fsr-3297	413	29	al	al	PROPN
fsr-3297	413	30	e	e	PROPN
fsr-3297	413	31	bo	bo	PROPN
fsr-3297	413	32	rn	rn	PROPN
fsr-3297	413	33	19	19	NUM
fsr-3297	413	34	48	48	NUM
fsr-3297	413	35	;	;	PUNCT
fsr-3297	413	36	m	m	VERB
fsr-3297	413	37	al	al	PROPN
fsr-3297	413	38	e	e	PROPN
fsr-3297	413	39	bo	bo	PROPN
fsr-3297	413	40	rn	rn	PROPN
fsr-3297	413	41	19	19	NUM
fsr-3297	413	42	48	48	NUM
fsr-3297	413	43	,	,	PUNCT
fsr-3297	413	44	19	19	NUM
fsr-3297	413	45	52	52	NUM
fsr-3297	413	46	,	,	PUNCT
fsr-3297	413	47	19	19	NUM
fsr-3297	413	48	55	55	NUM
fsr-3297	413	49	,	,	PUNCT
fsr-3297	413	50	19	19	NUM
fsr-3297	413	51	58	58	NUM
fsr-3297	413	52	)	)	PUNCT
fsr-3297	413	53	a	a	DET
fsr-3297	413	54	ge	ge	PROPN
fsr-3297	413	55	di	di	PROPN
fsr-3297	413	56	ff	ff	INTJ
fsr-3297	413	57	er	er	INTJ
fsr-3297	413	58	en	en	PROPN
fsr-3297	413	59	ce	ce	PROPN
fsr-3297	413	60	fe	fe	PROPN
fsr-3297	413	61	m	m	PROPN
fsr-3297	413	62	al	al	PROPN
fsr-3297	413	63	e	e	PROPN
fsr-3297	413	64	re	re	AUX
fsr-3297	413	65	tir	tir	VERB
fsr-3297	413	66	em	em	PRON
fsr-3297	413	67	en	en	PROPN
fsr-3297	413	68	t	t	PROPN
fsr-3297	413	69	ag	ag	PROPN
fsr-3297	413	70	e	e	PROPN
fsr-3297	413	71	1	1	NUM
fsr-3297	413	72	m	m	VERB
fsr-3297	413	73	al	al	PROPN
fsr-3297	413	74	e	e	PROPN
fsr-3297	413	75	re	re	AUX
fsr-3297	413	76	tir	tir	VERB
fsr-3297	413	77	em	em	PRON
fsr-3297	413	78	en	en	PROPN
fsr-3297	413	79	t	t	PROPN
fsr-3297	413	80	ag	ag	PROPN
fsr-3297	413	81	e	e	PROPN
fsr-3297	413	82	1	1	NUM
fsr-3297	413	83	fe	fe	X
fsr-3297	413	84	m	m	PROPN
fsr-3297	413	85	al	al	PROPN
fsr-3297	413	86	e	e	PROPN
fsr-3297	413	87	re	re	AUX
fsr-3297	413	88	tir	tir	VERB
fsr-3297	413	89	em	em	PRON
fsr-3297	413	90	en	en	PROPN
fsr-3297	413	91	t	t	PROPN
fsr-3297	413	92	ag	ag	PROPN
fsr-3297	413	93	e	e	PROPN
fsr-3297	413	94	2	2	NUM
fsr-3297	413	95	m	m	NOUN
fsr-3297	413	96	al	al	PROPN
fsr-3297	413	97	e	e	PROPN
fsr-3297	413	98	re	re	AUX
fsr-3297	413	99	tir	tir	VERB
fsr-3297	413	100	em	em	PRON
fsr-3297	413	101	en	en	PROPN
fsr-3297	413	102	t	t	PROPN
fsr-3297	413	103	ag	ag	PROPN
fsr-3297	413	104	e	e	PROPN
fsr-3297	413	105	2	2	NUM
fsr-3297	414	1	w	w	NOUN
fsr-3297	414	2	m	m	NUM
fsr-3297	414	3	_	_	PUNCT
fsr-3297	414	4	w	w	NOUN
fsr-3297	414	5	f	f	NOUN
fsr-3297	414	6	br	br	NOUN
fsr-3297	414	7	ea	ea	PROPN
fsr-3297	414	8	ke	ke	PROPN
fsr-3297	414	9	ve	ve	PROPN
fsr-3297	414	10	n	n	ADV
fsr-3297	414	11	ir	ir	NOUN
fsr-3297	414	12	r	r	NOUN
fsr-3297	414	13	b	b	PROPN
fsr-3297	414	14	m	m	NOUN
fsr-3297	414	15	_	_	NOUN
fsr-3297	415	1	b	b	X
fsr-3297	415	2	f	f	NOUN
fsr-3297	415	3	br	br	NOUN
fsr-3297	415	4	ea	ea	PROPN
fsr-3297	415	5	ke	ke	PROPN
fsr-3297	415	6	ve	ve	PROPN
fsr-3297	415	7	n	n	ADV
fsr-3297	415	8	ir	ir	NOUN
fsr-3297	415	9	r	r	NOUN
fsr-3297	415	10	h	h	NOUN
fsr-3297	415	11	m	m	NOUN
fsr-3297	415	12	_	_	NOUN
fsr-3297	416	1	h	h	NOUN
fsr-3297	416	2	f	f	NOUN
fsr-3297	416	3	br	br	NOUN
fsr-3297	416	4	ea	ea	X
fsr-3297	417	1	ke	ke	PROPN
fsr-3297	417	2	ve	ve	PROPN
fsr-3297	417	3	n	n	ADV
fsr-3297	417	4	ir	ir	NOUN
fsr-3297	417	5	r	r	NOUN
fsr-3297	417	6	w	w	PROPN
fsr-3297	417	7	m	m	NOUN
fsr-3297	417	8	_	_	NOUN
fsr-3297	417	9	b	b	X
fsr-3297	417	10	f	f	NOUN
fsr-3297	417	11	br	br	NOUN
fsr-3297	417	12	ea	ea	PROPN
fsr-3297	417	13	ke	ke	PROPN
fsr-3297	417	14	ve	ve	PROPN
fsr-3297	417	15	n	n	ADV
fsr-3297	417	16	ir	ir	NOUN
fsr-3297	417	17	r	r	NOUN
fsr-3297	417	18	b	b	PROPN
fsr-3297	417	19	m	m	NOUN
fsr-3297	417	20	_	_	PUNCT
fsr-3297	418	1	w	w	NOUN
fsr-3297	418	2	f	f	NOUN
fsr-3297	418	3	br	br	NOUN
fsr-3297	418	4	ea	ea	PROPN
fsr-3297	418	5	ke	ke	PROPN
fsr-3297	418	6	ve	ve	PROPN
fsr-3297	418	7	n	n	ADV
fsr-3297	418	8	ir	ir	NOUN
fsr-3297	418	9	r	r	NOUN
fsr-3297	418	10	w	w	PROPN
fsr-3297	418	11	m	m	NOUN
fsr-3297	418	12	_	_	NOUN
fsr-3297	418	13	h	h	NOUN
fsr-3297	419	1	f	f	NOUN
fsr-3297	419	2	br	br	NOUN
fsr-3297	419	3	ea	ea	X
fsr-3297	419	4	ke	ke	PROPN
fsr-3297	419	5	ve	ve	PROPN
fsr-3297	419	6	n	n	ADV
fsr-3297	419	7	ir	ir	NOUN
fsr-3297	419	8	r	r	NOUN
fsr-3297	420	1	h	h	NOUN
fsr-3297	420	2	m	m	NOUN
fsr-3297	420	3	_	_	NOUN
fsr-3297	421	1	w	w	NOUN
fsr-3297	421	2	f	f	NOUN
fsr-3297	421	3	br	br	NOUN
fsr-3297	421	4	ea	ea	PROPN
fsr-3297	421	5	ke	ke	PROPN
fsr-3297	421	6	ve	ve	PROPN
fsr-3297	421	7	n	n	ADV
fsr-3297	421	8	ir	ir	NOUN
fsr-3297	421	9	r	r	NOUN
fsr-3297	421	10	b	b	PROPN
fsr-3297	421	11	m	m	NOUN
fsr-3297	421	12	_	_	NOUN
fsr-3297	421	13	h	h	NOUN
fsr-3297	422	1	f	f	NOUN
fsr-3297	422	2	br	br	NOUN
fsr-3297	422	3	ea	ea	X
fsr-3297	422	4	ke	ke	PROPN
fsr-3297	422	5	ve	ve	PROPN
fsr-3297	422	6	n	n	ADV
fsr-3297	422	7	ir	ir	NOUN
fsr-3297	422	8	r	r	NOUN
fsr-3297	422	9	h	h	NOUN
fsr-3297	422	10	m	m	NOUN
fsr-3297	422	11	_	_	NOUN
fsr-3297	422	12	b	b	X
fsr-3297	422	13	f	f	NOUN
fsr-3297	422	14	br	br	NOUN
fsr-3297	422	15	ea	ea	PROPN
fsr-3297	423	1	ke	ke	PROPN
fsr-3297	423	2	ve	ve	PROPN
fsr-3297	423	3	n	n	ADV
fsr-3297	423	4	ir	ir	NOUN
fsr-3297	423	5	r	r	NOUN
fsr-3297	423	6	0	0	NUM
fsr-3297	423	7	66	66	NUM
fsr-3297	423	8	62	62	NUM
fsr-3297	423	9	70	70	NUM
fsr-3297	423	10	66	66	NUM
fsr-3297	423	11	n	n	DET
fsr-3297	423	12	a	a	PRON
fsr-3297	423	13	n	n	NOUN
fsr-3297	423	14	a	a	PRON
fsr-3297	423	15	n	n	NOUN
fsr-3297	423	16	a	a	PRON
fsr-3297	423	17	n	n	NOUN
fsr-3297	423	18	a	a	PRON
fsr-3297	423	19	n	n	NOUN
fsr-3297	423	20	a	a	PRON
fsr-3297	423	21	n	n	NOUN
fsr-3297	423	22	a	a	PRON
fsr-3297	423	23	n	n	NOUN
fsr-3297	423	24	a	a	PRON
fsr-3297	423	25	n	n	NOUN
fsr-3297	423	26	a	a	PRON
fsr-3297	423	27	n	n	NOUN
fsr-3297	423	28	a	a	DET
fsr-3297	423	29	4	4	NUM
fsr-3297	423	30	66	66	NUM
fsr-3297	423	31	62	62	NUM
fsr-3297	423	32	70	70	NUM
fsr-3297	423	33	66	66	NUM
fsr-3297	423	34	4	4	NUM
fsr-3297	423	35	.	.	ADP
fsr-3297	423	36	67	67	NUM
fsr-3297	423	37	%	%	NOUN
fsr-3297	423	38	4	4	NUM
fsr-3297	423	39	.	.	NOUN
fsr-3297	423	40	78	78	NUM
fsr-3297	423	41	%	%	NOUN
fsr-3297	423	42	5	5	NUM
fsr-3297	423	43	.	.	NOUN
fsr-3297	423	44	12	12	NUM
fsr-3297	423	45	%	%	NOUN
fsr-3297	423	46	4	4	NUM
fsr-3297	423	47	.	.	NOUN
fsr-3297	423	48	81	81	NUM
fsr-3297	423	49	%	%	NOUN
fsr-3297	423	50	4	4	NUM
fsr-3297	423	51	.	.	NOUN
fsr-3297	423	52	64	64	NUM
fsr-3297	423	53	%	%	NOUN
fsr-3297	423	54	4	4	NUM
fsr-3297	423	55	.	.	NOUN
fsr-3297	423	56	99	99	NUM
fsr-3297	423	57	%	%	NOUN
fsr-3297	423	58	4	4	NUM
fsr-3297	423	59	.	.	NOUN
fsr-3297	423	60	82	82	NUM
fsr-3297	423	61	%	%	NOUN
fsr-3297	423	62	4	4	NUM
fsr-3297	423	63	.	.	NOUN
fsr-3297	423	64	96	96	NUM
fsr-3297	423	65	%	%	NOUN
fsr-3297	423	66	4	4	NUM
fsr-3297	423	67	.	.	NOUN
fsr-3297	423	68	95	95	NUM
fsr-3297	423	69	%	%	NOUN
fsr-3297	423	70	7	7	NUM
fsr-3297	423	71	66	66	NUM
fsr-3297	423	72	62	62	NUM
fsr-3297	423	73	70	70	NUM
fsr-3297	423	74	66	66	NUM
fsr-3297	423	75	4	4	NUM
fsr-3297	423	76	.	.	PUNCT
fsr-3297	423	77	56	56	NUM
fsr-3297	423	78	%	%	NOUN
fsr-3297	423	79	4	4	NUM
fsr-3297	423	80	.	.	NOUN
fsr-3297	423	81	68	68	NUM
fsr-3297	423	82	%	%	NOUN
fsr-3297	423	83	5	5	NUM
fsr-3297	423	84	.	.	NOUN
fsr-3297	423	85	01	01	NUM
fsr-3297	423	86	%	%	NOUN
fsr-3297	423	87	4	4	NUM
fsr-3297	423	88	.	.	X
fsr-3297	423	89	70	70	NUM
fsr-3297	423	90	%	%	NOUN
fsr-3297	423	91	4	4	NUM
fsr-3297	423	92	.	.	X
fsr-3297	423	93	54	54	NUM
fsr-3297	423	94	%	%	NOUN
fsr-3297	423	95	4	4	NUM
fsr-3297	423	96	.	.	NUM
fsr-3297	423	97	89	89	NUM
fsr-3297	423	98	%	%	NOUN
fsr-3297	423	99	4	4	NUM
fsr-3297	423	100	.	.	NOUN
fsr-3297	423	101	69	69	NUM
fsr-3297	423	102	%	%	NOUN
fsr-3297	423	103	4	4	NUM
fsr-3297	423	104	.	.	X
fsr-3297	423	105	87	87	NUM
fsr-3297	423	106	%	%	NOUN
fsr-3297	423	107	4	4	NUM
fsr-3297	423	108	.	.	NOUN
fsr-3297	423	109	83	83	NUM
fsr-3297	423	110	%	%	NOUN
fsr-3297	423	111	10	10	NUM
fsr-3297	423	112	66	66	NUM
fsr-3297	423	113	62	62	NUM
fsr-3297	423	114	70	70	NUM
fsr-3297	423	115	66	66	NUM
fsr-3297	423	116	4	4	NUM
fsr-3297	423	117	.	.	X
fsr-3297	423	118	43	43	NUM
fsr-3297	423	119	%	%	NOUN
fsr-3297	423	120	4	4	NUM
fsr-3297	423	121	.	.	NOUN
fsr-3297	423	122	56	56	NUM
fsr-3297	423	123	%	%	NOUN
fsr-3297	423	124	4	4	NUM
fsr-3297	423	125	.	.	NOUN
fsr-3297	423	126	88	88	NUM
fsr-3297	423	127	%	%	NOUN
fsr-3297	423	128	4	4	NUM
fsr-3297	423	129	.	.	X
fsr-3297	423	130	58	58	NUM
fsr-3297	423	131	%	%	NOUN
fsr-3297	423	132	4	4	NUM
fsr-3297	423	133	.	.	NOUN
fsr-3297	423	134	41	41	NUM
fsr-3297	423	135	%	%	NOUN
fsr-3297	423	136	4	4	NUM
fsr-3297	423	137	.	.	NOUN
fsr-3297	423	138	78	78	NUM
fsr-3297	423	139	%	%	NOUN
fsr-3297	423	140	4	4	NUM
fsr-3297	423	141	.	.	X
fsr-3297	423	142	55	55	NUM
fsr-3297	423	143	%	%	NOUN
fsr-3297	423	144	4	4	NUM
fsr-3297	423	145	.	.	NOUN
fsr-3297	423	146	76	76	NUM
fsr-3297	423	147	%	%	NOUN
fsr-3297	423	148	4	4	NUM
fsr-3297	423	149	.	.	NUM
fsr-3297	423	150	69	69	NUM
fsr-3297	423	151	%	%	NOUN
fsr-3297	424	1	n	n	PRON
fsr-3297	424	2	ot	ot	NOUN
fsr-3297	424	3	es	es	X
fsr-3297	424	4	:	:	PUNCT
fsr-3297	424	5	ir	ir	PROPN
fsr-3297	424	6	r	r	NOUN
fsr-3297	424	7	�	�	PROPN
fsr-3297	424	8	in	in	ADP
fsr-3297	424	9	te	te	PROPN
fsr-3297	424	10	rn	rn	PROPN
fsr-3297	424	11	al	al	PROPN
fsr-3297	424	12	ra	ra	PROPN
fsr-3297	425	1	te	te	PROPN
fsr-3297	425	2	of	of	ADP
fsr-3297	425	3	re	re	PROPN
fsr-3297	425	4	tu	tu	PROPN
fsr-3297	425	5	rn	rn	PROPN
fsr-3297	425	6	;	;	PUNCT
fsr-3297	425	7	w	w	PROPN
fsr-3297	425	8	�	�	PROPN
fsr-3297	425	9	w	w	PROPN
fsr-3297	425	10	hi	hi	INTJ
fsr-3297	425	11	te	te	PROPN
fsr-3297	425	12	;	;	PUNCT
fsr-3297	425	13	b	b	X
fsr-3297	425	14	�	�	PROPN
fsr-3297	425	15	b	b	PROPN
fsr-3297	425	16	la	la	X
fsr-3297	425	17	ck	ck	ADV
fsr-3297	425	18	;	;	PUNCT
fsr-3297	425	19	h	h	PROPN
fsr-3297	425	20	�	�	PROPN
fsr-3297	425	21	h	h	PROPN
fsr-3297	425	22	is	be	AUX
fsr-3297	425	23	pa	pa	PROPN
fsr-3297	425	24	ni	ni	PROPN
fsr-3297	425	25	c	c	PROPN
fsr-3297	425	26	;	;	PUNCT
fsr-3297	425	27	m	m	VERB
fsr-3297	425	28	�	�	PROPN
fsr-3297	425	29	m	m	PROPN
fsr-3297	425	30	al	al	PROPN
fsr-3297	425	31	e	e	PROPN
fsr-3297	425	32	;	;	PUNCT
fsr-3297	425	33	f	f	PROPN
fsr-3297	425	34	�	�	PROPN
fsr-3297	425	35	fe	fe	PROPN
fsr-3297	425	36	m	m	PROPN
fsr-3297	425	37	al	al	PROPN
fsr-3297	425	38	e.	e.	PROPN
fsr-3297	425	39	n	n	PROPN
fsr-3297	425	40	a	a	DET
fsr-3297	425	41	�	�	PROPN
fsr-3297	425	42	n	n	ADP
fsr-3297	425	43	ot	ot	INTJ
fsr-3297	425	44	ap	ap	PROPN
fsr-3297	425	45	pl	pl	PROPN
fsr-3297	425	46	ic	ic	PROPN
fsr-3297	425	47	ab	ab	PROPN
fsr-3297	425	48	le	le	PROPN
fsr-3297	425	49	be	be	AUX
fsr-3297	425	50	ca	can	AUX
fsr-3297	425	51	us	us	PROPN
fsr-3297	425	52	e	e	NOUN
fsr-3297	425	53	if	if	SCONJ
fsr-3297	425	54	hu	hu	PROPN
fsr-3297	425	55	sb	sb	PROPN
fsr-3297	425	56	an	an	DET
fsr-3297	425	57	d	d	PROPN
fsr-3297	425	58	(	(	PUNCT
fsr-3297	425	59	m	m	PROPN
fsr-3297	425	60	al	al	PROPN
fsr-3297	425	61	e	e	PROPN
fsr-3297	425	62	)	)	PUNCT
fsr-3297	425	63	an	an	DET
fsr-3297	425	64	d	d	X
fsr-3297	425	65	w	w	NOUN
fsr-3297	425	66	if	if	SCONJ
fsr-3297	425	67	e	e	X
fsr-3297	425	68	(	(	PUNCT
fsr-3297	425	69	fe	fe	X
fsr-3297	425	70	m	m	PROPN
fsr-3297	425	71	al	al	PROPN
fsr-3297	425	72	e	e	PROPN
fsr-3297	425	73	)	)	PUNCT
fsr-3297	425	74	ar	ar	PROPN
fsr-3297	425	75	e	e	PROPN
fsr-3297	425	76	sa	sa	PROPN
fsr-3297	425	77	m	m	PROPN
fsr-3297	425	78	e	e	PROPN
fsr-3297	425	79	ag	ag	PROPN
fsr-3297	425	80	e	e	PROPN
fsr-3297	425	81	,	,	PUNCT
fsr-3297	425	82	hu	hu	PROPN
fsr-3297	425	83	sb	sb	PROPN
fsr-3297	426	1	an	an	PRON
fsr-3297	426	2	d	d	PROPN
fsr-3297	426	3	ca	can	AUX
fsr-3297	426	4	nn	nn	INTJ
fsr-3297	426	5	ot	ot	X
fsr-3297	426	6	re	re	X
fsr-3297	426	7	tir	tir	PROPN
fsr-3297	426	8	e	e	PROPN
fsr-3297	426	9	an	an	PROPN
fsr-3297	426	10	d	d	X
fsr-3297	426	11	dr	dr	PROPN
fsr-3297	426	12	aw	aw	INTJ
fsr-3297	426	13	sp	sp	ADP
fsr-3297	426	14	ou	ou	PROPN
fsr-3297	426	15	sa	sa	PROPN
fsr-3297	426	16	l	l	PROPN
fsr-3297	426	17	be	be	AUX
fsr-3297	426	18	ne	ne	X
fsr-3297	426	19	fit	fit	PROPN
fsr-3297	426	20	s	s	PART
fsr-3297	426	21	be	be	VERB
fsr-3297	426	22	fo	fo	ADP
fsr-3297	426	23	re	re	INTJ
fsr-3297	426	24	hi	hi	PROPN
fsr-3297	426	25	s	s	VERB
fsr-3297	426	26	w	w	NOUN
fsr-3297	426	27	if	if	SCONJ
fsr-3297	426	28	e	e	X
fsr-3297	426	29	re	re	VERB
fsr-3297	426	30	tir	tir	PROPN
fsr-3297	426	31	es	es	PROPN
fsr-3297	426	32	.	.	PUNCT
fsr-3297	427	1	106	106	NUM
fsr-3297	427	2	d.s	d.s	PROPN
fsr-3297	427	3	.	.	PROPN
fsr-3297	427	4	docking	docking	NOUN
fsr-3297	427	5	et	et	PROPN
fsr-3297	427	6	al	al	PROPN
fsr-3297	427	7	.	.	PUNCT
fsr-3297	427	8	/	/	SYM
fsr-3297	427	9	financial	financial	ADJ
fsr-3297	427	10	services	service	NOUN
fsr-3297	427	11	review	review	VERB
fsr-3297	427	12	26	26	NUM
fsr-3297	427	13	(	(	PUNCT
fsr-3297	427	14	2017	2017	NUM
fsr-3297	427	15	)	)	PUNCT
fsr-3297	428	1	87–111	87–111	PROPN
fsr-3297	428	2	t	t	PROPN
fsr-3297	428	3	ab	ab	PROPN
fsr-3297	428	4	le	le	PROPN
fsr-3297	428	5	3c	3c	NUM
fsr-3297	428	6	pe	pe	PROPN
fsr-3297	428	7	rc	rc	PROPN
fsr-3297	428	8	en	en	X
fsr-3297	428	9	ta	ta	X
fsr-3297	428	10	ge	ge	PROPN
fsr-3297	428	11	di	di	PROPN
fsr-3297	429	1	ff	ff	INTJ
fsr-3297	429	2	er	er	INTJ
fsr-3297	429	3	en	en	X
fsr-3297	429	4	ce	ce	PROPN
fsr-3297	429	5	in	in	ADP
fsr-3297	429	6	br	br	PROPN
fsr-3297	429	7	ea	ea	PROPN
fsr-3297	429	8	ke	ke	PROPN
fsr-3297	429	9	ve	ve	PROPN
fsr-3297	429	10	n	n	ADV
fsr-3297	429	11	ir	ir	NOUN
fsr-3297	429	12	r	r	NOUN
fsr-3297	429	13	s	s	NOUN
fsr-3297	429	14	fo	fo	ADP
fsr-3297	429	15	r	r	NOUN
fsr-3297	429	16	a	a	DET
fsr-3297	429	17	sa	sa	NOUN
fsr-3297	429	18	m	m	VERB
fsr-3297	429	19	pl	pl	PROPN
fsr-3297	429	20	e	e	PROPN
fsr-3297	429	21	of	of	ADP
fsr-3297	429	22	m	m	PROPN
fsr-3297	429	23	ar	ar	PROPN
fsr-3297	429	24	ri	ri	PROPN
fsr-3297	429	25	ed	ed	PROPN
fsr-3297	429	26	re	re	PROPN
fsr-3297	429	27	tir	tir	VERB
fsr-3297	429	28	em	em	PRON
fsr-3297	429	29	en	en	PROPN
fsr-3297	429	30	t	t	PROPN
fsr-3297	429	31	ag	ag	PROPN
fsr-3297	429	32	es	es	PROPN
fsr-3297	429	33	w	w	PROPN
fsr-3297	429	34	ith	ith	PROPN
fsr-3297	429	35	di	di	PROPN
fsr-3297	430	1	ff	ff	INTJ
fsr-3297	430	2	er	er	INTJ
fsr-3297	430	3	en	en	ADP
fsr-3297	430	4	t	t	PROPN
fsr-3297	430	5	re	re	AUX
fsr-3297	430	6	tir	tir	VERB
fsr-3297	430	7	em	em	PRON
fsr-3297	430	8	en	en	PROPN
fsr-3297	430	9	t	t	PROPN
fsr-3297	430	10	ag	ag	PROPN
fsr-3297	430	11	es	es	ADP
fsr-3297	430	12	an	an	DET
fsr-3297	430	13	d	d	NOUN
fsr-3297	430	14	in	in	ADP
fsr-3297	430	15	cr	cr	X
fsr-3297	430	16	ea	ea	PROPN
fsr-3297	430	17	si	si	PROPN
fsr-3297	430	18	ng	ng	PROPN
fsr-3297	430	19	ag	ag	PROPN
fsr-3297	430	20	e	e	PROPN
fsr-3297	430	21	di	di	NOUN
fsr-3297	431	1	ff	ff	INTJ
fsr-3297	431	2	er	er	INTJ
fsr-3297	431	3	en	en	PROPN
fsr-3297	431	4	ce	ce	PROPN
fsr-3297	431	5	s	s	PROPN
fsr-3297	431	6	a	a	DET
fsr-3297	431	7	ge	ge	PROPN
fsr-3297	431	8	di	di	INTJ
fsr-3297	432	1	ff	ff	INTJ
fsr-3297	432	2	er	er	INTJ
fsr-3297	432	3	en	en	PROPN
fsr-3297	432	4	ce	ce	PROPN
fsr-3297	432	5	fe	fe	PROPN
fsr-3297	432	6	m	m	PROPN
fsr-3297	432	7	al	al	PROPN
fsr-3297	432	8	e/	e/	PROPN
fsr-3297	432	9	m	m	VERB
fsr-3297	432	10	al	al	PROPN
fsr-3297	432	11	e	e	PROPN
fsr-3297	432	12	re	re	AUX
fsr-3297	432	13	tir	tir	VERB
fsr-3297	432	14	em	em	PRON
fsr-3297	432	15	en	en	PROPN
fsr-3297	432	16	t	t	PROPN
fsr-3297	432	17	ag	ag	PROPN
fsr-3297	432	18	e	e	PROPN
fsr-3297	432	19	1	1	NUM
fsr-3297	432	20	m	m	VERB
fsr-3297	432	21	al	al	PROPN
fsr-3297	432	22	e/	e/	PROPN
fsr-3297	432	23	fe	fe	X
fsr-3297	432	24	m	m	VERB
fsr-3297	432	25	al	al	PROPN
fsr-3297	432	26	e	e	PROPN
fsr-3297	432	27	re	re	AUX
fsr-3297	432	28	tir	tir	VERB
fsr-3297	432	29	em	em	PRON
fsr-3297	432	30	en	en	PROPN
fsr-3297	432	31	t	t	PROPN
fsr-3297	432	32	ag	ag	PROPN
fsr-3297	432	33	e	e	PROPN
fsr-3297	432	34	1	1	NUM
fsr-3297	432	35	fe	fe	X
fsr-3297	432	36	m	m	PROPN
fsr-3297	432	37	al	al	PROPN
fsr-3297	432	38	e/	e/	PROPN
fsr-3297	432	39	m	m	VERB
fsr-3297	432	40	al	al	PROPN
fsr-3297	432	41	e	e	PROPN
fsr-3297	432	42	re	re	AUX
fsr-3297	432	43	tir	tir	VERB
fsr-3297	432	44	em	em	PRON
fsr-3297	432	45	en	en	PROPN
fsr-3297	432	46	t	t	PROPN
fsr-3297	432	47	ag	ag	PROPN
fsr-3297	432	48	e	e	PROPN
fsr-3297	432	49	2	2	NUM
fsr-3297	432	50	m	m	VERB
fsr-3297	432	51	al	al	PROPN
fsr-3297	432	52	e/	e/	PROPN
fsr-3297	432	53	fe	fe	X
fsr-3297	432	54	m	m	VERB
fsr-3297	432	55	al	al	PROPN
fsr-3297	432	56	e	e	PROPN
fsr-3297	432	57	re	re	AUX
fsr-3297	432	58	tir	tir	VERB
fsr-3297	432	59	em	em	PRON
fsr-3297	432	60	en	en	PROPN
fsr-3297	432	61	t	t	PROPN
fsr-3297	432	62	ag	ag	PROPN
fsr-3297	432	63	e	e	PROPN
fsr-3297	432	64	2	2	NUM
fsr-3297	433	1	w	w	NOUN
fsr-3297	433	2	m	m	NUM
fsr-3297	433	3	_	_	PUNCT
fsr-3297	433	4	w	w	NOUN
fsr-3297	433	5	f	f	NOUN
fsr-3297	433	6	br	br	NOUN
fsr-3297	433	7	ea	ea	PROPN
fsr-3297	433	8	ke	ke	PROPN
fsr-3297	433	9	ve	ve	PROPN
fsr-3297	433	10	n	n	ADV
fsr-3297	433	11	ir	ir	NOUN
fsr-3297	433	12	r	r	NOUN
fsr-3297	433	13	a	a	DET
fsr-3297	433	14	b	b	NOUN
fsr-3297	433	15	m	m	NOUN
fsr-3297	433	16	_	_	NOUN
fsr-3297	434	1	b	b	X
fsr-3297	434	2	f	f	NOUN
fsr-3297	434	3	br	br	NOUN
fsr-3297	434	4	ea	ea	PROPN
fsr-3297	434	5	ke	ke	PROPN
fsr-3297	434	6	ve	ve	PROPN
fsr-3297	434	7	n	n	ADV
fsr-3297	434	8	ir	ir	NOUN
fsr-3297	434	9	r	r	NOUN
fsr-3297	434	10	h	h	NOUN
fsr-3297	434	11	m	m	NOUN
fsr-3297	434	12	_	_	NOUN
fsr-3297	435	1	h	h	NOUN
fsr-3297	435	2	f	f	NOUN
fsr-3297	435	3	br	br	NOUN
fsr-3297	435	4	ea	ea	X
fsr-3297	436	1	ke	ke	PROPN
fsr-3297	436	2	ve	ve	PROPN
fsr-3297	436	3	n	n	ADV
fsr-3297	436	4	ir	ir	NOUN
fsr-3297	436	5	r	r	NOUN
fsr-3297	436	6	w	w	PROPN
fsr-3297	436	7	m	m	NOUN
fsr-3297	436	8	_	_	NOUN
fsr-3297	436	9	b	b	X
fsr-3297	436	10	f	f	NOUN
fsr-3297	436	11	br	br	NOUN
fsr-3297	436	12	ea	ea	PROPN
fsr-3297	436	13	ke	ke	PROPN
fsr-3297	436	14	ve	ve	PROPN
fsr-3297	436	15	n	n	ADV
fsr-3297	436	16	ir	ir	NOUN
fsr-3297	436	17	r	r	NOUN
fsr-3297	436	18	b	b	PROPN
fsr-3297	436	19	m	m	NOUN
fsr-3297	436	20	_	_	PUNCT
fsr-3297	437	1	w	w	NOUN
fsr-3297	437	2	f	f	NOUN
fsr-3297	437	3	br	br	NOUN
fsr-3297	437	4	ea	ea	PROPN
fsr-3297	437	5	ke	ke	PROPN
fsr-3297	437	6	ve	ve	PROPN
fsr-3297	437	7	n	n	ADV
fsr-3297	437	8	ir	ir	NOUN
fsr-3297	437	9	r	r	NOUN
fsr-3297	437	10	w	w	PROPN
fsr-3297	437	11	m	m	NOUN
fsr-3297	437	12	_	_	NOUN
fsr-3297	437	13	h	h	NOUN
fsr-3297	438	1	f	f	NOUN
fsr-3297	438	2	br	br	NOUN
fsr-3297	438	3	ea	ea	X
fsr-3297	438	4	ke	ke	PROPN
fsr-3297	438	5	ve	ve	PROPN
fsr-3297	438	6	n	n	ADV
fsr-3297	438	7	ir	ir	NOUN
fsr-3297	438	8	r	r	NOUN
fsr-3297	439	1	h	h	NOUN
fsr-3297	439	2	m	m	NOUN
fsr-3297	439	3	_	_	NOUN
fsr-3297	440	1	w	w	NOUN
fsr-3297	440	2	f	f	NOUN
fsr-3297	440	3	br	br	NOUN
fsr-3297	440	4	ea	ea	PROPN
fsr-3297	440	5	ke	ke	PROPN
fsr-3297	440	6	ve	ve	PROPN
fsr-3297	440	7	n	n	ADV
fsr-3297	440	8	ir	ir	NOUN
fsr-3297	440	9	r	r	NOUN
fsr-3297	440	10	b	b	PROPN
fsr-3297	440	11	m	m	NOUN
fsr-3297	440	12	_	_	NOUN
fsr-3297	440	13	h	h	NOUN
fsr-3297	441	1	f	f	NOUN
fsr-3297	441	2	br	br	NOUN
fsr-3297	441	3	ea	ea	X
fsr-3297	441	4	ke	ke	PROPN
fsr-3297	441	5	ve	ve	PROPN
fsr-3297	441	6	n	n	ADV
fsr-3297	441	7	ir	ir	NOUN
fsr-3297	441	8	r	r	NOUN
fsr-3297	441	9	h	h	NOUN
fsr-3297	441	10	m	m	NOUN
fsr-3297	441	11	_	_	NOUN
fsr-3297	441	12	b	b	X
fsr-3297	441	13	f	f	NOUN
fsr-3297	441	14	br	br	NOUN
fsr-3297	441	15	ea	ea	PROPN
fsr-3297	442	1	ke	ke	PROPN
fsr-3297	442	2	ve	ve	PROPN
fsr-3297	442	3	n	n	ADV
fsr-3297	442	4	ir	ir	NOUN
fsr-3297	442	5	r	r	NOUN
fsr-3297	442	6	0	0	NUM
fsr-3297	442	7	66	66	NUM
fsr-3297	442	8	62	62	NUM
fsr-3297	442	9	70	70	NUM
fsr-3297	442	10	66	66	NUM
fsr-3297	442	11	n	n	DET
fsr-3297	442	12	a	a	PRON
fsr-3297	442	13	n	n	NOUN
fsr-3297	442	14	a	a	PRON
fsr-3297	442	15	n	n	NOUN
fsr-3297	442	16	a	a	PRON
fsr-3297	442	17	n	n	NOUN
fsr-3297	442	18	a	a	PRON
fsr-3297	442	19	n	n	NOUN
fsr-3297	442	20	a	a	PRON
fsr-3297	442	21	n	n	NOUN
fsr-3297	442	22	a	a	PRON
fsr-3297	442	23	n	n	NOUN
fsr-3297	442	24	a	a	PRON
fsr-3297	442	25	n	n	NOUN
fsr-3297	442	26	a	a	PRON
fsr-3297	442	27	n	n	NOUN
fsr-3297	442	28	a	a	DET
fsr-3297	442	29	4	4	NUM
fsr-3297	442	30	66	66	NUM
fsr-3297	442	31	62	62	NUM
fsr-3297	442	32	70	70	NUM
fsr-3297	442	33	66	66	NUM
fsr-3297	442	34	1	1	NUM
fsr-3297	442	35	.	.	X
fsr-3297	442	36	55	55	NUM
fsr-3297	442	37	%	%	NOUN
fsr-3297	442	38	�	�	PROPN
fsr-3297	442	39	0	0	NUM
fsr-3297	442	40	.	.	PUNCT
fsr-3297	443	1	38	38	NUM
fsr-3297	443	2	%	%	NOUN
fsr-3297	443	3	0	0	NUM
fsr-3297	443	4	.	.	NOUN
fsr-3297	443	5	85	85	NUM
fsr-3297	443	6	%	%	NOUN
fsr-3297	443	7	4	4	NUM
fsr-3297	443	8	.	.	NOUN
fsr-3297	443	9	80	80	NUM
fsr-3297	443	10	%	%	NOUN
fsr-3297	443	11	�	�	PROPN
fsr-3297	443	12	3	3	NUM
fsr-3297	443	13	.	.	NOUN
fsr-3297	443	14	48	48	NUM
fsr-3297	443	15	%	%	NOUN
fsr-3297	443	16	5	5	NUM
fsr-3297	443	17	.	.	SYM
fsr-3297	443	18	06	06	NUM
fsr-3297	443	19	%	%	NOUN
fsr-3297	443	20	�	�	PROPN
fsr-3297	443	21	2	2	NUM
fsr-3297	443	22	.	.	NOUN
fsr-3297	443	23	57	57	NUM
fsr-3297	443	24	%	%	NOUN
fsr-3297	443	25	0	0	NUM
fsr-3297	443	26	.	.	NOUN
fsr-3297	443	27	21	21	NUM
fsr-3297	443	28	%	%	NOUN
fsr-3297	443	29	0	0	NUM
fsr-3297	443	30	.	.	NOUN
fsr-3297	443	31	30	30	NUM
fsr-3297	443	32	%	%	NOUN
fsr-3297	443	33	7	7	NUM
fsr-3297	443	34	66	66	NUM
fsr-3297	443	35	62	62	NUM
fsr-3297	443	36	70	70	NUM
fsr-3297	443	37	66	66	NUM
fsr-3297	443	38	2	2	NUM
fsr-3297	443	39	.	.	NUM
fsr-3297	443	40	35	35	NUM
fsr-3297	443	41	%	%	NOUN
fsr-3297	443	42	0	0	NUM
fsr-3297	443	43	.	.	PUNCT
fsr-3297	444	1	38	38	NUM
fsr-3297	444	2	%	%	NOUN
fsr-3297	444	3	1	1	NUM
fsr-3297	444	4	.	.	NOUN
fsr-3297	444	5	46	46	NUM
fsr-3297	444	6	%	%	NOUN
fsr-3297	444	7	5	5	NUM
fsr-3297	444	8	.	.	SYM
fsr-3297	444	9	76	76	NUM
fsr-3297	444	10	%	%	NOUN
fsr-3297	444	11	�	�	PROPN
fsr-3297	444	12	2	2	NUM
fsr-3297	444	13	.	.	NOUN
fsr-3297	444	14	88	88	NUM
fsr-3297	444	15	%	%	NOUN
fsr-3297	444	16	6	6	NUM
fsr-3297	444	17	.	.	X
fsr-3297	444	18	59	59	NUM
fsr-3297	444	19	%	%	NOUN
fsr-3297	444	20	�	�	PROPN
fsr-3297	444	21	2	2	NUM
fsr-3297	444	22	.	.	NOUN
fsr-3297	444	23	64	64	NUM
fsr-3297	444	24	%	%	NOUN
fsr-3297	444	25	1	1	NUM
fsr-3297	444	26	.	.	X
fsr-3297	444	27	51	51	NUM
fsr-3297	444	28	%	%	NOUN
fsr-3297	444	29	0	0	NUM
fsr-3297	444	30	.	.	NOUN
fsr-3297	444	31	37	37	NUM
fsr-3297	444	32	%	%	NOUN
fsr-3297	444	33	10	10	NUM
fsr-3297	444	34	66	66	NUM
fsr-3297	444	35	62	62	NUM
fsr-3297	444	36	70	70	NUM
fsr-3297	444	37	66	66	NUM
fsr-3297	444	38	3	3	NUM
fsr-3297	444	39	.	.	X
fsr-3297	444	40	33	33	NUM
fsr-3297	444	41	%	%	NOUN
fsr-3297	444	42	1	1	NUM
fsr-3297	444	43	.	.	SYM
fsr-3297	444	44	30	30	NUM
fsr-3297	444	45	%	%	NOUN
fsr-3297	444	46	2	2	NUM
fsr-3297	444	47	.	.	NOUN
fsr-3297	444	48	19	19	NUM
fsr-3297	444	49	%	%	NOUN
fsr-3297	444	50	6	6	NUM
fsr-3297	444	51	.	.	X
fsr-3297	444	52	93	93	NUM
fsr-3297	444	53	%	%	NOUN
fsr-3297	444	54	�	�	PROPN
fsr-3297	444	55	2	2	NUM
fsr-3297	444	56	.	.	NOUN
fsr-3297	444	57	14	14	NUM
fsr-3297	444	58	%	%	NOUN
fsr-3297	444	59	8	8	NUM
fsr-3297	444	60	.	.	PUNCT
fsr-3297	445	1	47	47	NUM
fsr-3297	445	2	%	%	NOUN
fsr-3297	445	3	�	�	PROPN
fsr-3297	445	4	2	2	NUM
fsr-3297	445	5	.	.	NUM
fsr-3297	445	6	72	72	NUM
fsr-3297	445	7	%	%	NOUN
fsr-3297	445	8	3	3	NUM
fsr-3297	445	9	.	.	NOUN
fsr-3297	445	10	08	08	NUM
fsr-3297	446	1	%	%	NOUN
fsr-3297	446	2	0	0	NUM
fsr-3297	446	3	.	.	PROPN
fsr-3297	447	1	44	44	NUM
fsr-3297	447	2	%	%	NOUN
fsr-3297	447	3	n	n	PRON
fsr-3297	447	4	ot	ot	NOUN
fsr-3297	447	5	es	es	X
fsr-3297	447	6	:	:	PUNCT
fsr-3297	447	7	ir	ir	PROPN
fsr-3297	447	8	r	r	NOUN
fsr-3297	447	9	�	�	PROPN
fsr-3297	447	10	in	in	ADP
fsr-3297	447	11	te	te	PROPN
fsr-3297	447	12	rn	rn	PROPN
fsr-3297	447	13	al	al	PROPN
fsr-3297	447	14	ra	ra	PROPN
fsr-3297	447	15	te	te	PROPN
fsr-3297	447	16	of	of	ADP
fsr-3297	447	17	re	re	PROPN
fsr-3297	447	18	tu	tu	PROPN
fsr-3297	447	19	rn	rn	PROPN
fsr-3297	447	20	;	;	PUNCT
fsr-3297	447	21	w	w	PROPN
fsr-3297	447	22	�	�	PROPN
fsr-3297	447	23	w	w	PROPN
fsr-3297	447	24	hi	hi	INTJ
fsr-3297	447	25	te	te	PROPN
fsr-3297	447	26	;	;	PUNCT
fsr-3297	447	27	b	b	X
fsr-3297	447	28	�	�	PROPN
fsr-3297	447	29	b	b	PROPN
fsr-3297	447	30	la	la	X
fsr-3297	447	31	ck	ck	ADV
fsr-3297	447	32	;	;	PUNCT
fsr-3297	447	33	h	h	PROPN
fsr-3297	447	34	�	�	PROPN
fsr-3297	447	35	h	h	PROPN
fsr-3297	447	36	is	be	AUX
fsr-3297	447	37	pa	pa	PROPN
fsr-3297	447	38	ni	ni	PROPN
fsr-3297	447	39	c	c	PROPN
fsr-3297	447	40	;	;	PUNCT
fsr-3297	447	41	m	m	VERB
fsr-3297	447	42	�	�	PROPN
fsr-3297	447	43	m	m	PROPN
fsr-3297	447	44	al	al	PROPN
fsr-3297	447	45	e	e	PROPN
fsr-3297	447	46	;	;	PUNCT
fsr-3297	447	47	f	f	PROPN
fsr-3297	447	48	�	�	PROPN
fsr-3297	447	49	fe	fe	PROPN
fsr-3297	447	50	m	m	PROPN
fsr-3297	447	51	al	al	PROPN
fsr-3297	447	52	e.	e.	PROPN
fsr-3297	447	53	a	a	PROPN
fsr-3297	447	54	pe	pe	PROPN
fsr-3297	447	55	rc	rc	PROPN
fsr-3297	447	56	en	en	X
fsr-3297	447	57	ta	ta	X
fsr-3297	448	1	ge	ge	PROPN
fsr-3297	448	2	di	di	PROPN
fsr-3297	448	3	ff	ff	INTJ
fsr-3297	448	4	er	er	INTJ
fsr-3297	448	5	en	en	X
fsr-3297	448	6	ce	ce	PROPN
fsr-3297	448	7	ca	can	AUX
fsr-3297	448	8	lc	lc	PROPN
fsr-3297	448	9	ul	ul	INTJ
fsr-3297	448	10	at	at	ADP
fsr-3297	448	11	ed	ed	NOUN
fsr-3297	448	12	as	as	ADP
fsr-3297	448	13	(	(	PUNCT
fsr-3297	448	14	f	f	X
fsr-3297	448	15	em	em	PROPN
fsr-3297	448	16	al	al	PROPN
fsr-3297	448	17	e	e	PROPN
fsr-3297	448	18	br	br	NOUN
fsr-3297	448	19	ea	ea	X
fsr-3297	448	20	dw	dw	PROPN
fsr-3297	448	21	in	in	ADP
fsr-3297	448	22	ne	ne	NOUN
fsr-3297	448	23	r	r	NOUN
fsr-3297	448	24	ir	ir	PROPN
fsr-3297	448	25	r	r	NOUN
fsr-3297	448	26	m	m	VERB
fsr-3297	448	27	al	al	NOUN
fsr-3297	448	28	e	e	PROPN
fsr-3297	448	29	br	br	NOUN
fsr-3297	448	30	ea	ea	X
fsr-3297	448	31	dw	dw	PROPN
fsr-3297	448	32	in	in	ADP
fsr-3297	448	33	ne	ne	NOUN
fsr-3297	448	34	r	r	NOUN
fsr-3297	448	35	ir	ir	PROPN
fsr-3297	448	36	r	r	NOUN
fsr-3297	448	37	)	)	PUNCT
fsr-3297	448	38	di	di	NOUN
fsr-3297	448	39	vi	vi	PROPN
fsr-3297	448	40	de	de	PROPN
fsr-3297	448	41	d	d	PROPN
fsr-3297	448	42	by	by	ADP
fsr-3297	448	43	m	m	PROPN
fsr-3297	448	44	al	al	PROPN
fsr-3297	448	45	e	e	PROPN
fsr-3297	448	46	br	br	NOUN
fsr-3297	448	47	ea	ea	X
fsr-3297	448	48	dw	dw	PROPN
fsr-3297	448	49	in	in	ADP
fsr-3297	448	50	ne	ne	NOUN
fsr-3297	448	51	r	r	NOUN
fsr-3297	448	52	ir	ir	NOUN
fsr-3297	448	53	r	r	NOUN
fsr-3297	448	54	or	or	CCONJ
fsr-3297	448	55	(	(	PUNCT
fsr-3297	448	56	t	t	PROPN
fsr-3297	448	57	ab	ab	PROPN
fsr-3297	448	58	le	le	X
fsr-3297	448	59	3b	3b	PROPN
fsr-3297	448	60	ir	ir	INTJ
fsr-3297	448	61	r	r	NOUN
fsr-3297	448	62	t	t	PROPN
fsr-3297	448	63	ab	ab	PROPN
fsr-3297	448	64	le	le	PROPN
fsr-3297	448	65	3a	3a	PROPN
fsr-3297	448	66	ir	ir	PROPN
fsr-3297	448	67	r	r	NOUN
fsr-3297	448	68	)	)	PUNCT
fsr-3297	448	69	/	/	SYM
fsr-3297	448	70	t	t	PROPN
fsr-3297	448	71	ab	ab	PROPN
fsr-3297	448	72	le	le	PROPN
fsr-3297	448	73	3a	3a	PROPN
fsr-3297	448	74	ir	ir	PROPN
fsr-3297	448	75	r	r	NOUN
fsr-3297	448	76	)	)	PUNCT
fsr-3297	448	77	.	.	PUNCT
fsr-3297	449	1	r	r	NOUN
fsr-3297	449	2	ac	ac	PROPN
fsr-3297	449	3	e	e	PROPN
fsr-3297	449	4	an	an	PROPN
fsr-3297	449	5	d	d	X
fsr-3297	449	6	ge	ge	PROPN
fsr-3297	450	1	nd	nd	INTJ
fsr-3297	450	2	er	er	INTJ
fsr-3297	450	3	he	he	PRON
fsr-3297	450	4	ld	ld	INTJ
fsr-3297	450	5	co	co	VERB
fsr-3297	450	6	ns	ns	VERB
fsr-3297	450	7	ta	ta	PROPN
fsr-3297	450	8	nt	not	PART
fsr-3297	450	9	.	.	PUNCT
fsr-3297	451	1	107d.s	107d.s	X
fsr-3297	451	2	.	.	PUNCT
fsr-3297	452	1	docking	dock	VERB
fsr-3297	452	2	et	et	PROPN
fsr-3297	452	3	al	al	PROPN
fsr-3297	452	4	.	.	PUNCT
fsr-3297	452	5	/	/	SYM
fsr-3297	452	6	financial	financial	ADJ
fsr-3297	452	7	services	service	NOUN
fsr-3297	452	8	review	review	VERB
fsr-3297	452	9	26	26	NUM
fsr-3297	452	10	(	(	PUNCT
fsr-3297	452	11	2017	2017	NUM
fsr-3297	452	12	)	)	PUNCT
fsr-3297	453	1	87–111	87–111	PROPN
fsr-3297	453	2	t	t	PROPN
fsr-3297	453	3	ab	ab	PROPN
fsr-3297	453	4	le	le	X
fsr-3297	453	5	3d	3d	PROPN
fsr-3297	453	6	pe	pe	PROPN
fsr-3297	453	7	rc	rc	PROPN
fsr-3297	453	8	en	en	PROPN
fsr-3297	453	9	t	t	PROPN
fsr-3297	453	10	di	di	X
fsr-3297	454	1	ff	ff	INTJ
fsr-3297	454	2	er	er	INTJ
fsr-3297	454	3	en	en	X
fsr-3297	454	4	ce	ce	PROPN
fsr-3297	454	5	in	in	ADP
fsr-3297	454	6	br	br	PROPN
fsr-3297	454	7	ea	ea	PROPN
fsr-3297	454	8	ke	ke	PROPN
fsr-3297	454	9	ve	ve	PROPN
fsr-3297	454	10	n	n	ADV
fsr-3297	454	11	ir	ir	NOUN
fsr-3297	454	12	r	r	NOUN
fsr-3297	454	13	s	s	NOUN
fsr-3297	454	14	fo	fo	ADP
fsr-3297	454	15	r	r	NOUN
fsr-3297	454	16	a	a	DET
fsr-3297	454	17	sa	sa	NOUN
fsr-3297	454	18	m	m	VERB
fsr-3297	454	19	pl	pl	PROPN
fsr-3297	454	20	e	e	PROPN
fsr-3297	454	21	of	of	ADP
fsr-3297	454	22	m	m	PROPN
fsr-3297	454	23	ar	ar	PROPN
fsr-3297	454	24	ri	ri	PROPN
fsr-3297	454	25	ed	ed	PROPN
fsr-3297	454	26	re	re	PROPN
fsr-3297	454	27	tir	tir	VERB
fsr-3297	454	28	em	em	PRON
fsr-3297	454	29	en	en	PROPN
fsr-3297	454	30	t	t	PROPN
fsr-3297	454	31	ag	ag	PROPN
fsr-3297	454	32	es	es	PROPN
fsr-3297	454	33	w	w	PROPN
fsr-3297	454	34	ith	ith	PROPN
fsr-3297	454	35	di	di	PROPN
fsr-3297	455	1	ff	ff	INTJ
fsr-3297	455	2	er	er	INTJ
fsr-3297	455	3	en	en	ADP
fsr-3297	455	4	t	t	PROPN
fsr-3297	455	5	re	re	AUX
fsr-3297	455	6	tir	tir	VERB
fsr-3297	455	7	em	em	PRON
fsr-3297	455	8	en	en	PROPN
fsr-3297	455	9	t	t	PROPN
fsr-3297	455	10	ag	ag	PROPN
fsr-3297	455	11	es	es	ADP
fsr-3297	455	12	an	an	DET
fsr-3297	455	13	d	d	NOUN
fsr-3297	455	14	in	in	ADP
fsr-3297	455	15	cr	cr	X
fsr-3297	455	16	ea	ea	PROPN
fsr-3297	455	17	si	si	PROPN
fsr-3297	455	18	ng	ng	PROPN
fsr-3297	455	19	ag	ag	PROPN
fsr-3297	455	20	e	e	PROPN
fsr-3297	455	21	di	di	NOUN
fsr-3297	456	1	ff	ff	INTJ
fsr-3297	456	2	er	er	INTJ
fsr-3297	456	3	en	en	PROPN
fsr-3297	456	4	ce	ce	PROPN
fsr-3297	456	5	s	s	PROPN
fsr-3297	456	6	a	a	DET
fsr-3297	456	7	ge	ge	PROPN
fsr-3297	456	8	di	di	INTJ
fsr-3297	457	1	ff	ff	INTJ
fsr-3297	457	2	er	er	INTJ
fsr-3297	457	3	en	en	PROPN
fsr-3297	457	4	ce	ce	PROPN
fsr-3297	457	5	fe	fe	PROPN
fsr-3297	457	6	m	m	PROPN
fsr-3297	457	7	al	al	PROPN
fsr-3297	457	8	e/	e/	PROPN
fsr-3297	457	9	m	m	VERB
fsr-3297	457	10	al	al	PROPN
fsr-3297	457	11	e	e	PROPN
fsr-3297	457	12	re	re	AUX
fsr-3297	457	13	tir	tir	VERB
fsr-3297	457	14	em	em	PRON
fsr-3297	457	15	en	en	PROPN
fsr-3297	457	16	t	t	PROPN
fsr-3297	457	17	ag	ag	PROPN
fsr-3297	457	18	e	e	PROPN
fsr-3297	457	19	1	1	NUM
fsr-3297	457	20	m	m	VERB
fsr-3297	457	21	al	al	PROPN
fsr-3297	457	22	e/	e/	PROPN
fsr-3297	457	23	fe	fe	X
fsr-3297	457	24	m	m	VERB
fsr-3297	457	25	al	al	PROPN
fsr-3297	457	26	e	e	PROPN
fsr-3297	457	27	re	re	AUX
fsr-3297	457	28	tir	tir	VERB
fsr-3297	457	29	em	em	PRON
fsr-3297	457	30	en	en	PROPN
fsr-3297	457	31	t	t	PROPN
fsr-3297	457	32	ag	ag	PROPN
fsr-3297	457	33	e	e	PROPN
fsr-3297	457	34	1	1	NUM
fsr-3297	457	35	fe	fe	X
fsr-3297	457	36	m	m	PROPN
fsr-3297	457	37	al	al	PROPN
fsr-3297	457	38	e/	e/	PROPN
fsr-3297	457	39	m	m	VERB
fsr-3297	457	40	al	al	PROPN
fsr-3297	457	41	e	e	PROPN
fsr-3297	457	42	re	re	AUX
fsr-3297	457	43	tir	tir	VERB
fsr-3297	457	44	em	em	PRON
fsr-3297	457	45	en	en	PROPN
fsr-3297	457	46	t	t	PROPN
fsr-3297	457	47	ag	ag	PROPN
fsr-3297	457	48	e	e	PROPN
fsr-3297	457	49	2	2	NUM
fsr-3297	457	50	m	m	VERB
fsr-3297	457	51	al	al	PROPN
fsr-3297	457	52	e/	e/	PROPN
fsr-3297	457	53	fe	fe	X
fsr-3297	457	54	m	m	VERB
fsr-3297	457	55	al	al	PROPN
fsr-3297	457	56	e	e	PROPN
fsr-3297	457	57	re	re	AUX
fsr-3297	457	58	tir	tir	VERB
fsr-3297	457	59	em	em	PRON
fsr-3297	457	60	en	en	PROPN
fsr-3297	457	61	t	t	PROPN
fsr-3297	457	62	ag	ag	PROPN
fsr-3297	457	63	e	e	PROPN
fsr-3297	457	64	2	2	NUM
fsr-3297	458	1	w	w	NOUN
fsr-3297	458	2	m	m	NUM
fsr-3297	458	3	_	_	PUNCT
fsr-3297	458	4	w	w	NOUN
fsr-3297	458	5	f	f	NOUN
fsr-3297	458	6	br	br	NOUN
fsr-3297	458	7	ea	ea	PROPN
fsr-3297	458	8	ke	ke	PROPN
fsr-3297	458	9	ve	ve	PROPN
fsr-3297	458	10	n	n	ADV
fsr-3297	458	11	ir	ir	NOUN
fsr-3297	458	12	r	r	NOUN
fsr-3297	458	13	a	a	DET
fsr-3297	458	14	b	b	NOUN
fsr-3297	458	15	m	m	NOUN
fsr-3297	458	16	_	_	NOUN
fsr-3297	459	1	b	b	X
fsr-3297	459	2	f	f	NOUN
fsr-3297	459	3	br	br	NOUN
fsr-3297	459	4	ea	ea	PROPN
fsr-3297	459	5	ke	ke	PROPN
fsr-3297	459	6	ve	ve	PROPN
fsr-3297	459	7	n	n	ADV
fsr-3297	459	8	ir	ir	NOUN
fsr-3297	459	9	r	r	NOUN
fsr-3297	459	10	h	h	NOUN
fsr-3297	459	11	m	m	NOUN
fsr-3297	459	12	_	_	NOUN
fsr-3297	460	1	h	h	NOUN
fsr-3297	460	2	f	f	NOUN
fsr-3297	460	3	br	br	NOUN
fsr-3297	460	4	ea	ea	X
fsr-3297	461	1	ke	ke	PROPN
fsr-3297	461	2	ve	ve	PROPN
fsr-3297	461	3	n	n	ADV
fsr-3297	461	4	ir	ir	NOUN
fsr-3297	461	5	r	r	NOUN
fsr-3297	461	6	w	w	PROPN
fsr-3297	461	7	m	m	NOUN
fsr-3297	461	8	_	_	NOUN
fsr-3297	461	9	b	b	X
fsr-3297	461	10	f	f	NOUN
fsr-3297	461	11	br	br	NOUN
fsr-3297	461	12	ea	ea	PROPN
fsr-3297	461	13	ke	ke	PROPN
fsr-3297	461	14	ve	ve	PROPN
fsr-3297	461	15	n	n	ADV
fsr-3297	461	16	ir	ir	NOUN
fsr-3297	461	17	r	r	NOUN
fsr-3297	461	18	b	b	PROPN
fsr-3297	461	19	m	m	NOUN
fsr-3297	461	20	_	_	PUNCT
fsr-3297	462	1	w	w	NOUN
fsr-3297	462	2	f	f	NOUN
fsr-3297	462	3	br	br	NOUN
fsr-3297	462	4	ea	ea	PROPN
fsr-3297	462	5	ke	ke	PROPN
fsr-3297	462	6	ve	ve	PROPN
fsr-3297	462	7	n	n	ADV
fsr-3297	462	8	ir	ir	NOUN
fsr-3297	462	9	r	r	NOUN
fsr-3297	462	10	w	w	PROPN
fsr-3297	462	11	m	m	NOUN
fsr-3297	462	12	_	_	NOUN
fsr-3297	462	13	h	h	NOUN
fsr-3297	463	1	f	f	NOUN
fsr-3297	463	2	br	br	NOUN
fsr-3297	463	3	ea	ea	X
fsr-3297	463	4	ke	ke	PROPN
fsr-3297	463	5	ve	ve	PROPN
fsr-3297	463	6	n	n	ADV
fsr-3297	463	7	ir	ir	NOUN
fsr-3297	463	8	r	r	NOUN
fsr-3297	464	1	h	h	NOUN
fsr-3297	464	2	m	m	NOUN
fsr-3297	464	3	_	_	NOUN
fsr-3297	465	1	w	w	NOUN
fsr-3297	465	2	f	f	NOUN
fsr-3297	465	3	br	br	NOUN
fsr-3297	465	4	ea	ea	PROPN
fsr-3297	465	5	ke	ke	PROPN
fsr-3297	465	6	ve	ve	PROPN
fsr-3297	465	7	n	n	ADV
fsr-3297	465	8	ir	ir	NOUN
fsr-3297	465	9	r	r	NOUN
fsr-3297	465	10	b	b	PROPN
fsr-3297	465	11	m	m	NOUN
fsr-3297	465	12	_	_	NOUN
fsr-3297	465	13	h	h	NOUN
fsr-3297	466	1	f	f	NOUN
fsr-3297	466	2	br	br	NOUN
fsr-3297	466	3	ea	ea	X
fsr-3297	466	4	ke	ke	PROPN
fsr-3297	466	5	ve	ve	PROPN
fsr-3297	466	6	n	n	ADV
fsr-3297	466	7	ir	ir	NOUN
fsr-3297	466	8	r	r	NOUN
fsr-3297	466	9	h	h	NOUN
fsr-3297	466	10	m	m	NOUN
fsr-3297	466	11	_	_	NOUN
fsr-3297	466	12	b	b	X
fsr-3297	466	13	f	f	NOUN
fsr-3297	466	14	br	br	NOUN
fsr-3297	466	15	ea	ea	PROPN
fsr-3297	467	1	ke	ke	PROPN
fsr-3297	467	2	ve	ve	PROPN
fsr-3297	467	3	n	n	ADV
fsr-3297	467	4	ir	ir	NOUN
fsr-3297	467	5	r	r	NOUN
fsr-3297	467	6	0	0	NUM
fsr-3297	467	7	66	66	NUM
fsr-3297	467	8	62	62	NUM
fsr-3297	467	9	70	70	NUM
fsr-3297	467	10	66	66	NUM
fsr-3297	467	11	n	n	DET
fsr-3297	467	12	a	a	PRON
fsr-3297	467	13	n	n	NOUN
fsr-3297	467	14	a	a	PRON
fsr-3297	467	15	n	n	NOUN
fsr-3297	467	16	a	a	PRON
fsr-3297	467	17	n	n	NOUN
fsr-3297	467	18	a	a	PRON
fsr-3297	467	19	n	n	NOUN
fsr-3297	467	20	a	a	PRON
fsr-3297	467	21	n	n	NOUN
fsr-3297	467	22	a	a	PRON
fsr-3297	467	23	n	n	NOUN
fsr-3297	467	24	a	a	PRON
fsr-3297	467	25	n	n	NOUN
fsr-3297	467	26	a	a	PRON
fsr-3297	467	27	n	n	NOUN
fsr-3297	467	28	a	a	DET
fsr-3297	467	29	4	4	NUM
fsr-3297	467	30	66	66	NUM
fsr-3297	467	31	62	62	NUM
fsr-3297	467	32	70	70	NUM
fsr-3297	467	33	66	66	NUM
fsr-3297	467	34	0	0	NUM
fsr-3297	467	35	.	.	PUNCT
fsr-3297	468	1	07	07	NUM
fsr-3297	468	2	%	%	NOUN
fsr-3297	468	3	�	�	PROPN
fsr-3297	468	4	0	0	NUM
fsr-3297	468	5	.	.	PUNCT
fsr-3297	468	6	02	02	NUM
fsr-3297	468	7	%	%	NOUN
fsr-3297	468	8	0	0	NUM
fsr-3297	468	9	.	.	NOUN
fsr-3297	468	10	04	04	NUM
fsr-3297	468	11	%	%	NOUN
fsr-3297	468	12	0	0	NUM
fsr-3297	468	13	.	.	PROPN
fsr-3297	468	14	22	22	NUM
fsr-3297	468	15	%	%	NOUN
fsr-3297	468	16	�	�	PROPN
fsr-3297	468	17	0	0	NUM
fsr-3297	468	18	.	.	PROPN
fsr-3297	468	19	17	17	NUM
fsr-3297	468	20	%	%	NOUN
fsr-3297	468	21	0	0	NUM
fsr-3297	468	22	.	.	NOUN
fsr-3297	468	23	24	24	NUM
fsr-3297	468	24	%	%	NOUN
fsr-3297	468	25	�	�	PROPN
fsr-3297	468	26	0	0	NUM
fsr-3297	468	27	.	.	PROPN
fsr-3297	468	28	13	13	NUM
fsr-3297	468	29	%	%	NOUN
fsr-3297	468	30	0	0	NUM
fsr-3297	468	31	.	.	PROPN
fsr-3297	468	32	01	01	NUM
fsr-3297	468	33	%	%	NOUN
fsr-3297	468	34	0	0	NUM
fsr-3297	468	35	.	.	PROPN
fsr-3297	468	36	01	01	NUM
fsr-3297	468	37	%	%	NOUN
fsr-3297	468	38	7	7	NUM
fsr-3297	468	39	66	66	NUM
fsr-3297	468	40	62	62	NUM
fsr-3297	468	41	70	70	NUM
fsr-3297	468	42	66	66	NUM
fsr-3297	468	43	0	0	NUM
fsr-3297	468	44	.	.	PUNCT
fsr-3297	468	45	10	10	NUM
fsr-3297	468	46	%	%	NOUN
fsr-3297	468	47	0	0	NUM
fsr-3297	468	48	.	.	PUNCT
fsr-3297	468	49	02	02	NUM
fsr-3297	468	50	%	%	NOUN
fsr-3297	468	51	0	0	NUM
fsr-3297	468	52	.	.	NOUN
fsr-3297	468	53	07	07	NUM
fsr-3297	468	54	%	%	NOUN
fsr-3297	468	55	0	0	NUM
fsr-3297	468	56	.	.	PROPN
fsr-3297	468	57	26	26	NUM
fsr-3297	468	58	%	%	NOUN
fsr-3297	468	59	�	�	PROPN
fsr-3297	468	60	0	0	NUM
fsr-3297	468	61	.	.	PROPN
fsr-3297	468	62	13	13	NUM
fsr-3297	468	63	%	%	NOUN
fsr-3297	468	64	0	0	NUM
fsr-3297	468	65	.	.	PROPN
fsr-3297	468	66	30	30	NUM
fsr-3297	468	67	%	%	NOUN
fsr-3297	468	68	�	�	PROPN
fsr-3297	468	69	0	0	NUM
fsr-3297	468	70	.	.	PROPN
fsr-3297	468	71	13	13	NUM
fsr-3297	468	72	%	%	NOUN
fsr-3297	468	73	0	0	NUM
fsr-3297	468	74	.	.	NOUN
fsr-3297	468	75	07	07	NUM
fsr-3297	468	76	%	%	NOUN
fsr-3297	468	77	0	0	NUM
fsr-3297	468	78	.	.	PUNCT
fsr-3297	468	79	02	02	NUM
fsr-3297	468	80	%	%	NOUN
fsr-3297	468	81	10	10	NUM
fsr-3297	468	82	66	66	NUM
fsr-3297	468	83	62	62	NUM
fsr-3297	468	84	70	70	NUM
fsr-3297	468	85	66	66	NUM
fsr-3297	468	86	0	0	NUM
fsr-3297	468	87	.	.	PUNCT
fsr-3297	468	88	14	14	NUM
fsr-3297	468	89	%	%	NOUN
fsr-3297	468	90	0	0	NUM
fsr-3297	468	91	.	.	NOUN
fsr-3297	468	92	06	06	NUM
fsr-3297	468	93	%	%	NOUN
fsr-3297	468	94	0	0	NUM
fsr-3297	468	95	.	.	PROPN
fsr-3297	468	96	10	10	NUM
fsr-3297	468	97	%	%	NOUN
fsr-3297	468	98	0	0	NUM
fsr-3297	468	99	.	.	NOUN
fsr-3297	468	100	30	30	NUM
fsr-3297	468	101	%	%	NOUN
fsr-3297	468	102	�	�	PROPN
fsr-3297	468	103	0	0	NUM
fsr-3297	468	104	.	.	PROPN
fsr-3297	468	105	10	10	NUM
fsr-3297	468	106	%	%	NOUN
fsr-3297	468	107	0	0	NUM
fsr-3297	468	108	.	.	X
fsr-3297	468	109	37	37	NUM
fsr-3297	468	110	%	%	NOUN
fsr-3297	468	111	�	�	PROPN
fsr-3297	468	112	0	0	NUM
fsr-3297	468	113	.	.	PROPN
fsr-3297	468	114	13	13	NUM
fsr-3297	468	115	%	%	NOUN
fsr-3297	468	116	0	0	NUM
fsr-3297	468	117	.	.	PUNCT
fsr-3297	468	118	14	14	NUM
fsr-3297	468	119	%	%	NOUN
fsr-3297	468	120	0	0	NUM
fsr-3297	468	121	.	.	NOUN
fsr-3297	468	122	02	02	NUM
fsr-3297	468	123	%	%	NOUN
fsr-3297	468	124	n	n	CCONJ
fsr-3297	468	125	ot	ot	NOUN
fsr-3297	468	126	es	es	X
fsr-3297	468	127	:	:	PUNCT
fsr-3297	468	128	ir	ir	PROPN
fsr-3297	468	129	r	r	NOUN
fsr-3297	468	130	�	�	PROPN
fsr-3297	468	131	in	in	ADP
fsr-3297	468	132	te	te	PROPN
fsr-3297	468	133	rn	rn	PROPN
fsr-3297	468	134	al	al	PROPN
fsr-3297	468	135	ra	ra	PROPN
fsr-3297	468	136	te	te	PROPN
fsr-3297	468	137	of	of	ADP
fsr-3297	468	138	re	re	PROPN
fsr-3297	468	139	tu	tu	PROPN
fsr-3297	468	140	rn	rn	PROPN
fsr-3297	468	141	;	;	PUNCT
fsr-3297	468	142	w	w	PROPN
fsr-3297	468	143	�	�	PROPN
fsr-3297	468	144	w	w	PROPN
fsr-3297	468	145	hi	hi	INTJ
fsr-3297	468	146	te	te	PROPN
fsr-3297	468	147	;	;	PUNCT
fsr-3297	468	148	b	b	X
fsr-3297	468	149	�	�	PROPN
fsr-3297	468	150	b	b	PROPN
fsr-3297	468	151	la	la	X
fsr-3297	468	152	ck	ck	ADV
fsr-3297	468	153	;	;	PUNCT
fsr-3297	468	154	h	h	PROPN
fsr-3297	468	155	�	�	PROPN
fsr-3297	468	156	h	h	PROPN
fsr-3297	468	157	is	be	AUX
fsr-3297	468	158	pa	pa	PROPN
fsr-3297	468	159	ni	ni	PROPN
fsr-3297	468	160	c	c	PROPN
fsr-3297	468	161	;	;	PUNCT
fsr-3297	468	162	m	m	VERB
fsr-3297	468	163	�	�	PROPN
fsr-3297	468	164	m	m	PROPN
fsr-3297	468	165	al	al	PROPN
fsr-3297	468	166	e	e	PROPN
fsr-3297	468	167	;	;	PUNCT
fsr-3297	468	168	f	f	PROPN
fsr-3297	468	169	�	�	PROPN
fsr-3297	468	170	fe	fe	PROPN
fsr-3297	468	171	m	m	PROPN
fsr-3297	468	172	al	al	PROPN
fsr-3297	468	173	e.	e.	PROPN
fsr-3297	468	174	a	a	PROPN
fsr-3297	468	175	pe	pe	PROPN
fsr-3297	468	176	rc	rc	PROPN
fsr-3297	468	177	en	en	PROPN
fsr-3297	468	178	t	t	PROPN
fsr-3297	468	179	di	di	X
fsr-3297	469	1	ff	ff	INTJ
fsr-3297	469	2	er	er	INTJ
fsr-3297	469	3	en	en	X
fsr-3297	469	4	ce	ce	PROPN
fsr-3297	469	5	ca	can	AUX
fsr-3297	469	6	lc	lc	PROPN
fsr-3297	469	7	ul	ul	INTJ
fsr-3297	469	8	at	at	ADP
fsr-3297	469	9	ed	ed	NOUN
fsr-3297	469	10	as	as	ADP
fsr-3297	469	11	(	(	PUNCT
fsr-3297	469	12	f	f	X
fsr-3297	469	13	em	em	PROPN
fsr-3297	469	14	al	al	PROPN
fsr-3297	469	15	e	e	PROPN
fsr-3297	469	16	br	br	NOUN
fsr-3297	469	17	ea	ea	X
fsr-3297	469	18	dw	dw	PROPN
fsr-3297	469	19	in	in	ADP
fsr-3297	469	20	ne	ne	NOUN
fsr-3297	469	21	r	r	NOUN
fsr-3297	469	22	ir	ir	PROPN
fsr-3297	469	23	r	r	NOUN
fsr-3297	469	24	m	m	VERB
fsr-3297	469	25	al	al	NOUN
fsr-3297	469	26	e	e	PROPN
fsr-3297	469	27	br	br	NOUN
fsr-3297	469	28	ea	ea	X
fsr-3297	469	29	dw	dw	PROPN
fsr-3297	469	30	in	in	ADP
fsr-3297	469	31	ne	ne	NOUN
fsr-3297	469	32	r	r	NOUN
fsr-3297	469	33	ir	ir	NOUN
fsr-3297	469	34	r	r	NOUN
fsr-3297	469	35	)	)	PUNCT
fsr-3297	469	36	or	or	CCONJ
fsr-3297	469	37	(	(	PUNCT
fsr-3297	469	38	t	t	PROPN
fsr-3297	469	39	ab	ab	PROPN
fsr-3297	469	40	le	le	X
fsr-3297	469	41	3b	3b	PROPN
fsr-3297	469	42	ir	ir	INTJ
fsr-3297	469	43	r	r	NOUN
fsr-3297	469	44	t	t	PROPN
fsr-3297	469	45	ab	ab	PROPN
fsr-3297	469	46	le	le	PROPN
fsr-3297	469	47	3a	3a	PROPN
fsr-3297	469	48	ir	ir	PROPN
fsr-3297	469	49	r	r	NOUN
fsr-3297	469	50	)	)	PUNCT
fsr-3297	469	51	.	.	PUNCT
fsr-3297	470	1	r	r	NOUN
fsr-3297	470	2	ac	ac	PROPN
fsr-3297	470	3	e	e	PROPN
fsr-3297	470	4	an	an	PROPN
fsr-3297	470	5	d	d	X
fsr-3297	470	6	ge	ge	PROPN
fsr-3297	471	1	nd	nd	INTJ
fsr-3297	471	2	er	er	INTJ
fsr-3297	471	3	he	he	PRON
fsr-3297	471	4	ld	ld	INTJ
fsr-3297	471	5	co	co	VERB
fsr-3297	471	6	ns	ns	VERB
fsr-3297	471	7	ta	ta	PROPN
fsr-3297	471	8	nt	not	PART
fsr-3297	471	9	.	.	PUNCT
fsr-3297	472	1	108	108	NUM
fsr-3297	472	2	d.s	d.s	PROPN
fsr-3297	472	3	.	.	PROPN
fsr-3297	472	4	docking	docking	NOUN
fsr-3297	472	5	et	et	PROPN
fsr-3297	472	6	al	al	PROPN
fsr-3297	472	7	.	.	PUNCT
fsr-3297	472	8	/	/	SYM
fsr-3297	472	9	financial	financial	ADJ
fsr-3297	472	10	services	service	NOUN
fsr-3297	472	11	review	review	VERB
fsr-3297	472	12	26	26	NUM
fsr-3297	472	13	(	(	PUNCT
fsr-3297	472	14	2017	2017	NUM
fsr-3297	473	1	)	)	PUNCT
fsr-3297	473	2	87–111	87–111	PROPN
fsr-3297	473	3	column	column	NOUN
fsr-3297	473	4	is	be	AUX
fsr-3297	473	5	dominated	dominate	VERB
fsr-3297	473	6	by	by	ADP
fsr-3297	473	7	hm_hf	hm_hf	PROPN
fsr-3297	473	8	,	,	PUNCT
fsr-3297	473	9	no	no	ADV
fsr-3297	473	10	matter	matter	ADV
fsr-3297	473	11	which	which	DET
fsr-3297	473	12	spouse	spouse	NOUN
fsr-3297	473	13	is	be	AUX
fsr-3297	473	14	older	old	ADJ
fsr-3297	473	15	or	or	CCONJ
fsr-3297	473	16	which	which	DET
fsr-3297	473	17	spouse	spouse	NOUN
fsr-3297	473	18	is	be	AUX
fsr-3297	473	19	the	the	DET
fsr-3297	473	20	breadwinner	breadwinner	NOUN
fsr-3297	473	21	.	.	PUNCT
fsr-3297	474	1	when	when	SCONJ
fsr-3297	474	2	the	the	DET
fsr-3297	474	3	male	male	NOUN
fsr-3297	474	4	is	be	AUX
fsr-3297	474	5	older	old	ADJ
fsr-3297	474	6	and	and	CCONJ
fsr-3297	474	7	the	the	DET
fsr-3297	474	8	breadwinner	breadwinner	NOUN
fsr-3297	474	9	,	,	PUNCT
fsr-3297	474	10	the	the	DET
fsr-3297	474	11	low	low	ADJ
fsr-3297	474	12	be	be	AUX
fsr-3297	474	13	irr	irr	NOUN
fsr-3297	474	14	is	be	AUX
fsr-3297	474	15	dominated	dominate	VERB
fsr-3297	474	16	by	by	ADP
fsr-3297	474	17	wm_bf	wm_bf	PROPN
fsr-3297	474	18	.	.	PUNCT
fsr-3297	475	1	when	when	SCONJ
fsr-3297	475	2	the	the	DET
fsr-3297	475	3	female	female	NOUN
fsr-3297	475	4	is	be	AUX
fsr-3297	475	5	older	old	ADJ
fsr-3297	475	6	and	and	CCONJ
fsr-3297	475	7	the	the	DET
fsr-3297	475	8	breadwinner	breadwinner	NOUN
fsr-3297	475	9	,	,	PUNCT
fsr-3297	475	10	the	the	DET
fsr-3297	475	11	low	low	ADJ
fsr-3297	475	12	be	be	AUX
fsr-3297	475	13	irr	irr	NOUN
fsr-3297	475	14	is	be	AUX
fsr-3297	475	15	dominated	dominate	VERB
fsr-3297	475	16	by	by	ADP
fsr-3297	475	17	bm_wf	bm_wf	PROPN
fsr-3297	475	18	.	.	PUNCT
fsr-3297	476	1	the	the	DET
fsr-3297	476	2	most	most	ADV
fsr-3297	476	3	obvious	obvious	ADJ
fsr-3297	476	4	pattern	pattern	NOUN
fsr-3297	476	5	here	here	ADV
fsr-3297	476	6	that	that	SCONJ
fsr-3297	476	7	the	the	DET
fsr-3297	476	8	low	low	NOUN
fsr-3297	476	9	be	be	AUX
fsr-3297	476	10	irr	irr	NOUN
fsr-3297	476	11	group	group	NOUN
fsr-3297	476	12	has	have	VERB
fsr-3297	476	13	an	an	DET
fsr-3297	476	14	older	old	ADJ
fsr-3297	476	15	white	white	ADJ
fsr-3297	476	16	breadwinner	breadwinner	NOUN
fsr-3297	476	17	and	and	CCONJ
fsr-3297	476	18	a	a	DET
fsr-3297	476	19	younger	young	ADJ
fsr-3297	476	20	black	black	ADJ
fsr-3297	476	21	non	non	ADJ
fsr-3297	476	22	-	-	ADJ
fsr-3297	476	23	earning	earning	ADJ
fsr-3297	476	24	spouse	spouse	NOUN
fsr-3297	476	25	.	.	PUNCT
fsr-3297	477	1	irrespective	irrespective	ADV
fsr-3297	477	2	of	of	ADP
fsr-3297	477	3	who	who	PRON
fsr-3297	477	4	is	be	AUX
fsr-3297	477	5	the	the	DET
fsr-3297	477	6	breadwinner	breadwinner	NOUN
fsr-3297	477	7	,	,	PUNCT
fsr-3297	477	8	hispanics	hispanic	NOUN
fsr-3297	477	9	have	have	VERB
fsr-3297	477	10	higher	high	ADJ
fsr-3297	477	11	hurdle	hurdle	NOUN
fsr-3297	477	12	rates	rate	NOUN
fsr-3297	477	13	;	;	PUNCT
fsr-3297	477	14	whereas	whereas	SCONJ
fsr-3297	477	15	whites	white	NOUN
fsr-3297	477	16	have	have	VERB
fsr-3297	477	17	lower	low	ADJ
fsr-3297	477	18	hurdle	hurdle	NOUN
fsr-3297	477	19	rates	rate	NOUN
fsr-3297	477	20	.	.	PUNCT
fsr-3297	478	1	for	for	ADP
fsr-3297	478	2	a	a	DET
fsr-3297	478	3	given	give	VERB
fsr-3297	478	4	retirement	retirement	NOUN
fsr-3297	478	5	age	age	NOUN
fsr-3297	478	6	comparison	comparison	NOUN
fsr-3297	478	7	or	or	CCONJ
fsr-3297	478	8	age	age	NOUN
fsr-3297	478	9	difference	difference	NOUN
fsr-3297	478	10	the	the	DET
fsr-3297	478	11	results	result	NOUN
fsr-3297	478	12	can	can	AUX
fsr-3297	478	13	be	be	AUX
fsr-3297	478	14	interpreted	interpret	VERB
fsr-3297	478	15	as	as	SCONJ
fsr-3297	478	16	follows	follow	VERB
fsr-3297	478	17	:	:	PUNCT
fsr-3297	478	18	the	the	DET
fsr-3297	478	19	high	high	ADJ
fsr-3297	478	20	(	(	PUNCT
fsr-3297	478	21	low	low	ADJ
fsr-3297	478	22	)	)	PUNCT
fsr-3297	478	23	breakeven	breakeven	NOUN
fsr-3297	478	24	group	group	NOUN
fsr-3297	478	25	would	would	AUX
fsr-3297	478	26	prefer	prefer	VERB
fsr-3297	478	27	to	to	PART
fsr-3297	478	28	retire	retire	VERB
fsr-3297	478	29	later	later	ADV
fsr-3297	478	30	(	(	PUNCT
fsr-3297	478	31	earlier	early	ADV
fsr-3297	478	32	)	)	PUNCT
fsr-3297	478	33	because	because	SCONJ
fsr-3297	478	34	the	the	DET
fsr-3297	478	35	hurdle	hurdle	NOUN
fsr-3297	478	36	rate	rate	NOUN
fsr-3297	478	37	is	be	AUX
fsr-3297	478	38	more	more	ADV
fsr-3297	478	39	difficult	difficult	ADJ
fsr-3297	478	40	(	(	PUNCT
fsr-3297	478	41	less	less	ADV
fsr-3297	478	42	difficult	difficult	ADJ
fsr-3297	478	43	)	)	PUNCT
fsr-3297	478	44	to	to	PART
fsr-3297	478	45	overcome	overcome	VERB
fsr-3297	478	46	.	.	PUNCT
fsr-3297	479	1	thus	thus	ADV
fsr-3297	479	2	,	,	PUNCT
fsr-3297	479	3	hispanics	hispanic	NOUN
fsr-3297	479	4	have	have	VERB
fsr-3297	479	5	a	a	DET
fsr-3297	479	6	more	more	ADV
fsr-3297	479	7	difficult	difficult	ADJ
fsr-3297	479	8	time	time	NOUN
fsr-3297	479	9	retiring	retire	VERB
fsr-3297	479	10	early	early	ADV
fsr-3297	479	11	and	and	CCONJ
fsr-3297	479	12	whites	white	NOUN
fsr-3297	479	13	have	have	VERB
fsr-3297	479	14	a	a	DET
fsr-3297	479	15	less	less	ADV
fsr-3297	479	16	difficult	difficult	ADJ
fsr-3297	479	17	time	time	NOUN
fsr-3297	479	18	retiring	retire	VERB
fsr-3297	479	19	early	early	ADV
fsr-3297	479	20	.	.	PUNCT
fsr-3297	480	1	7	7	X
fsr-3297	480	2	.	.	X
fsr-3297	480	3	applications	application	NOUN
fsr-3297	480	4	and	and	CCONJ
fsr-3297	480	5	implications	implication	NOUN
fsr-3297	480	6	the	the	DET
fsr-3297	480	7	practical	practical	ADJ
fsr-3297	480	8	applications	application	NOUN
fsr-3297	480	9	/	/	SYM
fsr-3297	480	10	implications	implication	NOUN
fsr-3297	480	11	of	of	ADP
fsr-3297	480	12	our	our	PRON
fsr-3297	480	13	results	result	NOUN
fsr-3297	480	14	primarily	primarily	ADV
fsr-3297	480	15	depend	depend	VERB
fsr-3297	480	16	on	on	ADP
fsr-3297	480	17	the	the	DET
fsr-3297	480	18	couple	couple	NOUN
fsr-3297	480	19	’s	’s	PART
fsr-3297	480	20	opportunity	opportunity	NOUN
fsr-3297	480	21	cost	cost	NOUN
fsr-3297	480	22	of	of	ADP
fsr-3297	480	23	capital	capital	NOUN
fsr-3297	480	24	and	and	CCONJ
fsr-3297	480	25	available	available	ADJ
fsr-3297	480	26	other	other	ADJ
fsr-3297	480	27	resources	resource	NOUN
fsr-3297	480	28	.	.	PUNCT
fsr-3297	481	1	if	if	SCONJ
fsr-3297	481	2	the	the	DET
fsr-3297	481	3	couple	couple	NOUN
fsr-3297	481	4	’s	’s	PART
fsr-3297	481	5	portfolio	portfolio	NOUN
fsr-3297	481	6	expected	expect	VERB
fsr-3297	481	7	return	return	NOUN
fsr-3297	481	8	or	or	CCONJ
fsr-3297	481	9	opportunity	opportunity	NOUN
fsr-3297	481	10	cost	cost	NOUN
fsr-3297	481	11	of	of	ADP
fsr-3297	481	12	capital	capital	NOUN
fsr-3297	481	13	is	be	AUX
fsr-3297	481	14	greater	great	ADJ
fsr-3297	481	15	than	than	ADP
fsr-3297	481	16	(	(	PUNCT
fsr-3297	481	17	less	less	ADJ
fsr-3297	481	18	than	than	ADP
fsr-3297	481	19	)	)	PUNCT
fsr-3297	481	20	the	the	DET
fsr-3297	481	21	computed	compute	VERB
fsr-3297	481	22	be	be	VERB
fsr-3297	481	23	irr	irr	PROPN
fsr-3297	481	24	,	,	PUNCT
fsr-3297	481	25	this	this	PRON
fsr-3297	481	26	would	would	AUX
fsr-3297	481	27	suggest	suggest	VERB
fsr-3297	481	28	that	that	SCONJ
fsr-3297	481	29	this	this	DET
fsr-3297	481	30	couple	couple	NOUN
fsr-3297	481	31	retire	retire	VERB
fsr-3297	481	32	at	at	ADP
fsr-3297	481	33	the	the	DET
fsr-3297	481	34	earlier	early	ADJ
fsr-3297	481	35	(	(	PUNCT
fsr-3297	481	36	later	later	ADJ
fsr-3297	481	37	)	)	PUNCT
fsr-3297	481	38	date	date	NOUN
fsr-3297	481	39	in	in	ADP
fsr-3297	481	40	the	the	DET
fsr-3297	481	41	comparative	comparative	ADJ
fsr-3297	481	42	analysis	analysis	NOUN
fsr-3297	481	43	.	.	PUNCT
fsr-3297	482	1	these	these	DET
fsr-3297	482	2	results	result	NOUN
fsr-3297	482	3	should	should	AUX
fsr-3297	482	4	be	be	AUX
fsr-3297	482	5	useful	useful	ADJ
fsr-3297	482	6	for	for	ADP
fsr-3297	482	7	couples	couple	NOUN
fsr-3297	482	8	of	of	ADP
fsr-3297	482	9	different	different	ADJ
fsr-3297	482	10	ages	age	NOUN
fsr-3297	482	11	facing	face	VERB
fsr-3297	482	12	the	the	DET
fsr-3297	482	13	social	social	ADJ
fsr-3297	482	14	security	security	NOUN
fsr-3297	482	15	early	early	ADV
fsr-3297	482	16	versus	versus	ADP
fsr-3297	482	17	delayed	delay	VERB
fsr-3297	482	18	retirement	retirement	NOUN
fsr-3297	482	19	decision	decision	NOUN
fsr-3297	482	20	and	and	CCONJ
fsr-3297	482	21	financial	financial	ADJ
fsr-3297	482	22	planners	planner	NOUN
fsr-3297	482	23	.	.	PUNCT
fsr-3297	483	1	using	use	VERB
fsr-3297	483	2	the	the	DET
fsr-3297	483	3	analytics	analytic	NOUN
fsr-3297	483	4	described	describe	VERB
fsr-3297	483	5	in	in	ADP
fsr-3297	483	6	this	this	DET
fsr-3297	483	7	paper	paper	NOUN
fsr-3297	483	8	,	,	PUNCT
fsr-3297	483	9	couples	couple	NOUN
fsr-3297	483	10	and/or	and/or	CCONJ
fsr-3297	483	11	their	their	PRON
fsr-3297	483	12	financial	financial	ADJ
fsr-3297	483	13	planners	planner	NOUN
fsr-3297	483	14	could	could	AUX
fsr-3297	483	15	first	first	ADV
fsr-3297	483	16	compute	compute	VERB
fsr-3297	483	17	their	their	PRON
fsr-3297	483	18	breakeven	breakeven	ADJ
fsr-3297	483	19	internal	internal	ADJ
fsr-3297	483	20	rates	rate	NOUN
fsr-3297	483	21	of	of	ADP
fsr-3297	483	22	return	return	NOUN
fsr-3297	483	23	at	at	ADP
fsr-3297	483	24	various	various	ADJ
fsr-3297	483	25	comparison	comparison	NOUN
fsr-3297	483	26	ages	age	NOUN
fsr-3297	483	27	and	and	CCONJ
fsr-3297	483	28	then	then	ADV
fsr-3297	483	29	compare	compare	VERB
fsr-3297	483	30	this	this	PRON
fsr-3297	483	31	be	be	AUX
fsr-3297	483	32	irr	irr	NOUN
fsr-3297	483	33	to	to	ADP
fsr-3297	483	34	their	their	PRON
fsr-3297	483	35	expected	expect	VERB
fsr-3297	483	36	portfolio	portfolio	NOUN
fsr-3297	483	37	return	return	VERB
fsr-3297	483	38	over	over	ADP
fsr-3297	483	39	the	the	DET
fsr-3297	483	40	comparison	comparison	NOUN
fsr-3297	483	41	period	period	NOUN
fsr-3297	483	42	.	.	PUNCT
fsr-3297	484	1	if	if	SCONJ
fsr-3297	484	2	their	their	PRON
fsr-3297	484	3	expected	expect	VERB
fsr-3297	484	4	portfolio	portfolio	NOUN
fsr-3297	484	5	return	return	NOUN
fsr-3297	484	6	was	be	AUX
fsr-3297	484	7	greater	great	ADJ
fsr-3297	484	8	than	than	ADP
fsr-3297	484	9	(	(	PUNCT
fsr-3297	484	10	less	less	ADJ
fsr-3297	484	11	than	than	ADP
fsr-3297	484	12	)	)	PUNCT
fsr-3297	484	13	their	their	PRON
fsr-3297	484	14	be	be	AUX
fsr-3297	484	15	irr	irr	NOUN
fsr-3297	484	16	then	then	ADV
fsr-3297	484	17	they	they	PRON
fsr-3297	484	18	should	should	AUX
fsr-3297	484	19	consider	consider	VERB
fsr-3297	484	20	retiring	retire	VERB
fsr-3297	484	21	at	at	ADP
fsr-3297	484	22	the	the	DET
fsr-3297	484	23	earlier	early	ADJ
fsr-3297	484	24	(	(	PUNCT
fsr-3297	484	25	later	later	ADJ
fsr-3297	484	26	)	)	PUNCT
fsr-3297	484	27	age	age	NOUN
fsr-3297	484	28	.	.	PUNCT
fsr-3297	485	1	8	8	NUM
fsr-3297	485	2	.	.	PUNCT
fsr-3297	485	3	conclusions	conclusion	NOUN
fsr-3297	485	4	the	the	DET
fsr-3297	485	5	primary	primary	ADJ
fsr-3297	485	6	substantive	substantive	ADJ
fsr-3297	485	7	conclusions	conclusion	NOUN
fsr-3297	485	8	from	from	ADP
fsr-3297	485	9	this	this	DET
fsr-3297	485	10	study	study	NOUN
fsr-3297	485	11	depends	depend	VERB
fsr-3297	485	12	on	on	ADP
fsr-3297	485	13	the	the	DET
fsr-3297	485	14	age	age	NOUN
fsr-3297	485	15	comparisons	comparison	NOUN
fsr-3297	485	16	that	that	PRON
fsr-3297	485	17	are	be	AUX
fsr-3297	485	18	being	be	AUX
fsr-3297	485	19	made	make	VERB
fsr-3297	485	20	.	.	PUNCT
fsr-3297	486	1	for	for	ADP
fsr-3297	486	2	different	different	ADJ
fsr-3297	486	3	aged	aged	ADJ
fsr-3297	486	4	couples	couple	NOUN
fsr-3297	486	5	,	,	PUNCT
fsr-3297	486	6	irrespective	irrespective	ADV
fsr-3297	486	7	who	who	PRON
fsr-3297	486	8	is	be	AUX
fsr-3297	486	9	older	old	ADJ
fsr-3297	486	10	and	and	CCONJ
fsr-3297	486	11	the	the	DET
fsr-3297	486	12	breadwinner	breadwinner	NOUN
fsr-3297	486	13	,	,	PUNCT
fsr-3297	486	14	couples	couple	NOUN
fsr-3297	486	15	who	who	PRON
fsr-3297	486	16	retire	retire	VERB
fsr-3297	486	17	at	at	ADP
fsr-3297	486	18	the	the	DET
fsr-3297	486	19	same	same	ADJ
fsr-3297	486	20	chronological	chronological	ADJ
fsr-3297	486	21	age	age	NOUN
fsr-3297	486	22	,	,	PUNCT
fsr-3297	486	23	the	the	DET
fsr-3297	486	24	age	age	NOUN
fsr-3297	486	25	62	62	NUM
fsr-3297	486	26	versus	versus	ADP
fsr-3297	486	27	66	66	NUM
fsr-3297	486	28	comparisons	comparison	NOUN
fsr-3297	486	29	show	show	NOUN
fsr-3297	486	30	be	be	VERB
fsr-3297	486	31	irrs	irrs	NOUN
fsr-3297	486	32	uniformly	uniformly	ADV
fsr-3297	486	33	decrease	decrease	NOUN
fsr-3297	486	34	as	as	ADP
fsr-3297	486	35	the	the	DET
fsr-3297	486	36	age	age	NOUN
fsr-3297	486	37	difference	difference	NOUN
fsr-3297	486	38	increases	increase	NOUN
fsr-3297	486	39	.	.	PUNCT
fsr-3297	487	1	because	because	SCONJ
fsr-3297	487	2	these	these	PRON
fsr-3297	487	3	be	be	VERB
fsr-3297	487	4	irrs	irrs	NOUN
fsr-3297	487	5	are	be	AUX
fsr-3297	487	6	hurdle	hurdle	NOUN
fsr-3297	487	7	rates	rate	NOUN
fsr-3297	487	8	,	,	PUNCT
fsr-3297	487	9	this	this	PRON
fsr-3297	487	10	implies	imply	VERB
fsr-3297	487	11	that	that	SCONJ
fsr-3297	487	12	greater	great	ADJ
fsr-3297	487	13	age	age	NOUN
fsr-3297	487	14	difference	difference	NOUN
fsr-3297	487	15	couples	couple	NOUN
fsr-3297	487	16	should	should	AUX
fsr-3297	487	17	retire	retire	VERB
fsr-3297	487	18	earlier	early	ADV
fsr-3297	487	19	because	because	SCONJ
fsr-3297	487	20	the	the	DET
fsr-3297	487	21	hurdle	hurdle	NOUN
fsr-3297	487	22	rate	rate	NOUN
fsr-3297	487	23	is	be	AUX
fsr-3297	487	24	less	less	ADJ
fsr-3297	487	25	to	to	PART
fsr-3297	487	26	overcome	overcome	VERB
fsr-3297	487	27	than	than	ADP
fsr-3297	487	28	at	at	ADP
fsr-3297	487	29	a	a	DET
fsr-3297	487	30	smaller	small	ADJ
fsr-3297	487	31	age	age	NOUN
fsr-3297	487	32	difference	difference	NOUN
fsr-3297	487	33	.	.	PUNCT
fsr-3297	488	1	these	these	DET
fsr-3297	488	2	results	result	NOUN
fsr-3297	488	3	reverse	reverse	VERB
fsr-3297	488	4	for	for	ADP
fsr-3297	488	5	the	the	DET
fsr-3297	488	6	age	age	NOUN
fsr-3297	488	7	62	62	NUM
fsr-3297	488	8	versus	versus	ADP
fsr-3297	488	9	70	70	NUM
fsr-3297	488	10	comparison	comparison	NOUN
fsr-3297	488	11	and	and	CCONJ
fsr-3297	488	12	age	age	NOUN
fsr-3297	488	13	66	66	NUM
fsr-3297	488	14	versus	versus	ADP
fsr-3297	488	15	70	70	NUM
fsr-3297	488	16	comparisons	comparison	NOUN
fsr-3297	488	17	where	where	SCONJ
fsr-3297	488	18	the	the	DET
fsr-3297	488	19	irrs	irrs	NOUN
fsr-3297	488	20	uniformly	uniformly	ADV
fsr-3297	488	21	increase	increase	VERB
fsr-3297	488	22	with	with	ADP
fsr-3297	488	23	age	age	NOUN
fsr-3297	488	24	differences	difference	NOUN
fsr-3297	488	25	across	across	ADP
fsr-3297	488	26	all	all	DET
fsr-3297	488	27	race	race	NOUN
fsr-3297	488	28	combinations	combination	NOUN
fsr-3297	488	29	.	.	PUNCT
fsr-3297	489	1	this	this	PRON
fsr-3297	489	2	implies	imply	VERB
fsr-3297	489	3	that	that	SCONJ
fsr-3297	489	4	greater	great	ADJ
fsr-3297	489	5	age	age	NOUN
fsr-3297	489	6	differences	difference	NOUN
fsr-3297	489	7	involve	involve	VERB
fsr-3297	489	8	a	a	DET
fsr-3297	489	9	greater	great	ADJ
fsr-3297	489	10	hurdle	hurdle	NOUN
fsr-3297	489	11	and	and	CCONJ
fsr-3297	489	12	the	the	DET
fsr-3297	489	13	smaller	small	ADJ
fsr-3297	489	14	the	the	DET
fsr-3297	489	15	age	age	NOUN
fsr-3297	489	16	difference	difference	NOUN
fsr-3297	489	17	the	the	PRON
fsr-3297	489	18	greater	great	ADJ
fsr-3297	489	19	the	the	DET
fsr-3297	489	20	incentive	incentive	NOUN
fsr-3297	489	21	to	to	PART
fsr-3297	489	22	retire	retire	VERB
fsr-3297	489	23	earlier	early	ADV
fsr-3297	489	24	because	because	SCONJ
fsr-3297	489	25	the	the	DET
fsr-3297	489	26	hurdle	hurdle	NOUN
fsr-3297	489	27	rate	rate	NOUN
fsr-3297	489	28	is	be	AUX
fsr-3297	489	29	lower	low	ADJ
fsr-3297	489	30	.	.	PUNCT
fsr-3297	490	1	for	for	ADP
fsr-3297	490	2	couples	couple	NOUN
fsr-3297	490	3	who	who	PRON
fsr-3297	490	4	have	have	VERB
fsr-3297	490	5	an	an	DET
fsr-3297	490	6	early	early	ADJ
fsr-3297	490	7	male	male	ADJ
fsr-3297	490	8	/	/	SYM
fsr-3297	490	9	female	female	ADJ
fsr-3297	490	10	retirement	retirement	NOUN
fsr-3297	490	11	of	of	ADP
fsr-3297	490	12	66	66	NUM
fsr-3297	490	13	and	and	CCONJ
fsr-3297	490	14	62	62	NUM
fsr-3297	490	15	,	,	PUNCT
fsr-3297	490	16	respectively	respectively	ADV
fsr-3297	490	17	,	,	PUNCT
fsr-3297	490	18	versus	versus	ADP
fsr-3297	490	19	a	a	DET
fsr-3297	490	20	late	late	ADJ
fsr-3297	490	21	male	male	ADJ
fsr-3297	490	22	/	/	SYM
fsr-3297	490	23	female	female	ADJ
fsr-3297	490	24	retirement	retirement	NOUN
fsr-3297	490	25	of	of	ADP
fsr-3297	490	26	70	70	NUM
fsr-3297	490	27	and	and	CCONJ
fsr-3297	490	28	66	66	NUM
fsr-3297	490	29	,	,	PUNCT
fsr-3297	490	30	respectively	respectively	ADV
fsr-3297	490	31	,	,	PUNCT
fsr-3297	490	32	the	the	DET
fsr-3297	490	33	be	be	NOUN
fsr-3297	490	34	irrs	irrs	NOUN
fsr-3297	490	35	consistently	consistently	ADV
fsr-3297	490	36	decline	decline	VERB
fsr-3297	490	37	as	as	SCONJ
fsr-3297	490	38	the	the	DET
fsr-3297	490	39	age	age	NOUN
fsr-3297	490	40	differences	difference	NOUN
fsr-3297	490	41	increase	increase	VERB
fsr-3297	490	42	across	across	ADP
fsr-3297	490	43	all	all	DET
fsr-3297	490	44	race	race	NOUN
fsr-3297	490	45	109d.s	109d.s	ADJ
fsr-3297	490	46	.	.	PUNCT
fsr-3297	491	1	docking	dock	VERB
fsr-3297	491	2	et	et	NOUN
fsr-3297	491	3	al	al	PROPN
fsr-3297	491	4	.	.	PUNCT
fsr-3297	491	5	/	/	SYM
fsr-3297	491	6	financial	financial	ADJ
fsr-3297	491	7	services	service	NOUN
fsr-3297	491	8	review	review	VERB
fsr-3297	491	9	26	26	NUM
fsr-3297	491	10	(	(	PUNCT
fsr-3297	491	11	2017	2017	NUM
fsr-3297	491	12	)	)	PUNCT
fsr-3297	491	13	87–111	87–111	PROPN
fsr-3297	491	14	combinations	combination	NOUN
fsr-3297	491	15	.	.	PUNCT
fsr-3297	492	1	this	this	PRON
fsr-3297	492	2	suggests	suggest	VERB
fsr-3297	492	3	that	that	SCONJ
fsr-3297	492	4	the	the	PRON
fsr-3297	492	5	greater	great	ADJ
fsr-3297	492	6	the	the	DET
fsr-3297	492	7	age	age	NOUN
fsr-3297	492	8	difference	difference	NOUN
fsr-3297	492	9	the	the	PRON
fsr-3297	492	10	greater	great	ADJ
fsr-3297	492	11	the	the	DET
fsr-3297	492	12	incentive	incentive	NOUN
fsr-3297	492	13	to	to	PART
fsr-3297	492	14	retire	retire	VERB
fsr-3297	492	15	early	early	ADV
fsr-3297	492	16	as	as	SCONJ
fsr-3297	492	17	the	the	DET
fsr-3297	492	18	hurdle	hurdle	NOUN
fsr-3297	492	19	rate	rate	NOUN
fsr-3297	492	20	is	be	AUX
fsr-3297	492	21	lower	low	ADJ
fsr-3297	492	22	to	to	PART
fsr-3297	492	23	overcome	overcome	VERB
fsr-3297	492	24	.	.	PUNCT
fsr-3297	493	1	for	for	ADP
fsr-3297	493	2	couples	couple	NOUN
fsr-3297	493	3	who	who	PRON
fsr-3297	493	4	retire	retire	VERB
fsr-3297	493	5	at	at	ADP
fsr-3297	493	6	different	different	ADJ
fsr-3297	493	7	ages	age	NOUN
fsr-3297	493	8	,	,	PUNCT
fsr-3297	493	9	the	the	PRON
fsr-3297	493	10	greater	great	ADJ
fsr-3297	493	11	the	the	DET
fsr-3297	493	12	age	age	NOUN
fsr-3297	493	13	difference	difference	NOUN
fsr-3297	493	14	the	the	PRON
fsr-3297	493	15	greater	great	ADJ
fsr-3297	493	16	the	the	DET
fsr-3297	493	17	incentive	incentive	NOUN
fsr-3297	493	18	to	to	PART
fsr-3297	493	19	retire	retire	VERB
fsr-3297	493	20	early	early	ADV
fsr-3297	493	21	as	as	SCONJ
fsr-3297	493	22	the	the	DET
fsr-3297	493	23	hurdle	hurdle	NOUN
fsr-3297	493	24	rate	rate	NOUN
fsr-3297	493	25	is	be	AUX
fsr-3297	493	26	lower	low	ADJ
fsr-3297	493	27	to	to	PART
fsr-3297	493	28	overcome	overcome	VERB
fsr-3297	493	29	.	.	PUNCT
fsr-3297	494	1	this	this	PRON
fsr-3297	494	2	is	be	AUX
fsr-3297	494	3	true	true	ADJ
fsr-3297	494	4	irrespective	irrespective	ADV
fsr-3297	494	5	who	who	PRON
fsr-3297	494	6	is	be	AUX
fsr-3297	494	7	older	old	ADJ
fsr-3297	494	8	and	and	CCONJ
fsr-3297	494	9	the	the	DET
fsr-3297	494	10	breadwinner	breadwinner	NOUN
fsr-3297	494	11	.	.	PUNCT
fsr-3297	495	1	women	woman	NOUN
fsr-3297	495	2	almost	almost	ADV
fsr-3297	495	3	always	always	ADV
fsr-3297	495	4	have	have	VERB
fsr-3297	495	5	higher	high	ADJ
fsr-3297	495	6	be	be	AUX
fsr-3297	495	7	irrs	irrs	NOUN
fsr-3297	495	8	.	.	PUNCT
fsr-3297	496	1	the	the	DET
fsr-3297	496	2	implication	implication	NOUN
fsr-3297	496	3	is	be	AUX
fsr-3297	496	4	that	that	SCONJ
fsr-3297	496	5	in	in	ADP
fsr-3297	496	6	marriages	marriage	NOUN
fsr-3297	496	7	where	where	SCONJ
fsr-3297	496	8	the	the	DET
fsr-3297	496	9	spouse	spouse	NOUN
fsr-3297	496	10	is	be	AUX
fsr-3297	496	11	the	the	DET
fsr-3297	496	12	breadwinner	breadwinner	NOUN
fsr-3297	496	13	and	and	CCONJ
fsr-3297	496	14	is	be	AUX
fsr-3297	496	15	the	the	DET
fsr-3297	496	16	older	old	ADJ
fsr-3297	496	17	partner	partner	NOUN
fsr-3297	496	18	,	,	PUNCT
fsr-3297	496	19	it	it	PRON
fsr-3297	496	20	is	be	AUX
fsr-3297	496	21	more	more	ADV
fsr-3297	496	22	difficult	difficult	ADJ
fsr-3297	496	23	for	for	SCONJ
fsr-3297	496	24	the	the	DET
fsr-3297	496	25	couple	couple	NOUN
fsr-3297	496	26	to	to	PART
fsr-3297	496	27	retire	retire	VERB
fsr-3297	496	28	early	early	ADV
fsr-3297	496	29	,	,	PUNCT
fsr-3297	496	30	as	as	SCONJ
fsr-3297	496	31	compared	compare	VERB
fsr-3297	496	32	with	with	ADP
fsr-3297	496	33	marriages	marriage	NOUN
fsr-3297	496	34	where	where	SCONJ
fsr-3297	496	35	the	the	DET
fsr-3297	496	36	spouse	spouse	NOUN
fsr-3297	496	37	is	be	AUX
fsr-3297	496	38	the	the	DET
fsr-3297	496	39	breadwinner	breadwinner	NOUN
fsr-3297	496	40	and	and	CCONJ
fsr-3297	496	41	is	be	AUX
fsr-3297	496	42	older	old	ADJ
fsr-3297	496	43	partner	partner	NOUN
fsr-3297	496	44	.	.	PUNCT
fsr-3297	496	45	irrespective	irrespective	ADV
fsr-3297	496	46	of	of	ADP
fsr-3297	496	47	who	who	PRON
fsr-3297	496	48	is	be	AUX
fsr-3297	496	49	the	the	DET
fsr-3297	496	50	breadwinner	breadwinner	NOUN
fsr-3297	496	51	,	,	PUNCT
fsr-3297	496	52	hispanics	hispanic	NOUN
fsr-3297	496	53	have	have	VERB
fsr-3297	496	54	higher	high	ADJ
fsr-3297	496	55	hurdle	hurdle	NOUN
fsr-3297	496	56	rates	rate	NOUN
fsr-3297	496	57	;	;	PUNCT
fsr-3297	496	58	whereas	whereas	SCONJ
fsr-3297	496	59	whites	white	NOUN
fsr-3297	496	60	have	have	VERB
fsr-3297	496	61	lower	low	ADJ
fsr-3297	496	62	hurdle	hurdle	NOUN
fsr-3297	496	63	rates	rate	NOUN
fsr-3297	496	64	.	.	PUNCT
fsr-3297	497	1	for	for	ADP
fsr-3297	497	2	a	a	DET
fsr-3297	497	3	given	give	VERB
fsr-3297	497	4	retirement	retirement	NOUN
fsr-3297	497	5	age	age	NOUN
fsr-3297	497	6	comparison	comparison	NOUN
fsr-3297	497	7	or	or	CCONJ
fsr-3297	497	8	age	age	NOUN
fsr-3297	497	9	difference	difference	NOUN
fsr-3297	497	10	the	the	DET
fsr-3297	497	11	results	result	NOUN
fsr-3297	497	12	can	can	AUX
fsr-3297	497	13	be	be	AUX
fsr-3297	497	14	interpreted	interpret	VERB
fsr-3297	497	15	as	as	SCONJ
fsr-3297	497	16	follows	follow	VERB
fsr-3297	497	17	:	:	PUNCT
fsr-3297	497	18	the	the	DET
fsr-3297	497	19	high	high	ADJ
fsr-3297	497	20	(	(	PUNCT
fsr-3297	497	21	low	low	ADJ
fsr-3297	497	22	)	)	PUNCT
fsr-3297	497	23	breakeven	breakeven	NOUN
fsr-3297	497	24	group	group	NOUN
fsr-3297	497	25	would	would	AUX
fsr-3297	497	26	prefer	prefer	VERB
fsr-3297	497	27	to	to	PART
fsr-3297	497	28	retire	retire	VERB
fsr-3297	497	29	later	later	ADV
fsr-3297	497	30	(	(	PUNCT
fsr-3297	497	31	earlier	early	ADV
fsr-3297	497	32	)	)	PUNCT
fsr-3297	497	33	because	because	SCONJ
fsr-3297	497	34	the	the	DET
fsr-3297	497	35	hurdle	hurdle	NOUN
fsr-3297	497	36	rate	rate	NOUN
fsr-3297	497	37	is	be	AUX
fsr-3297	497	38	more	more	ADV
fsr-3297	497	39	difficult	difficult	ADJ
fsr-3297	497	40	(	(	PUNCT
fsr-3297	497	41	less	less	ADV
fsr-3297	497	42	difficult	difficult	ADJ
fsr-3297	497	43	)	)	PUNCT
fsr-3297	497	44	to	to	PART
fsr-3297	497	45	overcome	overcome	VERB
fsr-3297	497	46	.	.	PUNCT
fsr-3297	498	1	thus	thus	ADV
fsr-3297	498	2	,	,	PUNCT
fsr-3297	498	3	hispanics	hispanic	NOUN
fsr-3297	498	4	have	have	VERB
fsr-3297	498	5	a	a	DET
fsr-3297	498	6	more	more	ADV
fsr-3297	498	7	difficult	difficult	ADJ
fsr-3297	498	8	time	time	NOUN
fsr-3297	498	9	retiring	retire	VERB
fsr-3297	498	10	early	early	ADV
fsr-3297	498	11	and	and	CCONJ
fsr-3297	498	12	whites	white	NOUN
fsr-3297	498	13	have	have	VERB
fsr-3297	498	14	a	a	DET
fsr-3297	498	15	less	less	ADV
fsr-3297	498	16	difficult	difficult	ADJ
fsr-3297	498	17	time	time	NOUN
fsr-3297	498	18	retiring	retire	VERB
fsr-3297	498	19	early	early	ADV
fsr-3297	498	20	.	.	PUNCT
fsr-3297	499	1	notes	note	VERB
fsr-3297	499	2	1	1	NUM
fsr-3297	499	3	http://www.socialsecurity.gov/pubs/10003.html	http://www.socialsecurity.gov/pubs/10003.html	NOUN
fsr-3297	499	4	.	.	PUNCT
fsr-3297	500	1	2	2	NUM
fsr-3297	500	2	the	the	DET
fsr-3297	500	3	percentage	percentage	NOUN
fsr-3297	500	4	reduction	reduction	NOUN
fsr-3297	500	5	for	for	ADP
fsr-3297	500	6	spousal	spousal	NOUN
fsr-3297	500	7	benefits	benefit	NOUN
fsr-3297	500	8	is	be	AUX
fsr-3297	500	9	25/36	25/36	NUM
fsr-3297	500	10	of	of	ADP
fsr-3297	500	11	1	1	NUM
fsr-3297	500	12	%	%	NOUN
fsr-3297	500	13	per	per	ADP
fsr-3297	500	14	month	month	NOUN
fsr-3297	500	15	for	for	ADP
fsr-3297	500	16	the	the	DET
fsr-3297	500	17	first	first	ADJ
fsr-3297	500	18	36	36	NUM
fsr-3297	500	19	months	month	NOUN
fsr-3297	500	20	and	and	CCONJ
fsr-3297	500	21	5/12	5/12	NUM
fsr-3297	500	22	of	of	ADP
fsr-3297	500	23	1	1	NUM
fsr-3297	500	24	%	%	NOUN
fsr-3297	500	25	for	for	ADP
fsr-3297	500	26	each	each	DET
fsr-3297	500	27	additional	additional	ADJ
fsr-3297	500	28	month	month	NOUN
fsr-3297	500	29	.	.	PUNCT
fsr-3297	501	1	3	3	NUM
fsr-3297	501	2	national	national	ADJ
fsr-3297	501	3	vital	vital	ADJ
fsr-3297	501	4	statistics	statistic	NOUN
fsr-3297	501	5	report	report	NOUN
fsr-3297	501	6	,	,	PUNCT
fsr-3297	501	7	june	june	PROPN
fsr-3297	501	8	28	28	NUM
fsr-3297	501	9	,	,	PUNCT
fsr-3297	501	10	2010	2010	NUM
fsr-3297	501	11	,	,	PUNCT
fsr-3297	501	12	volume	volume	NOUN
fsr-3297	501	13	58	58	NUM
fsr-3297	501	14	,	,	PUNCT
fsr-3297	501	15	number	number	NOUN
fsr-3297	501	16	21	21	NUM
fsr-3297	501	17	;	;	PUNCT
fsr-3297	501	18	united	united	PROPN
fsr-3297	501	19	states	states	PROPN
fsr-3297	501	20	life	life	NOUN
fsr-3297	501	21	tables	table	NOUN
fsr-3297	501	22	,	,	PUNCT
fsr-3297	501	23	2006	2006	NUM
fsr-3297	501	24	provides	provide	VERB
fsr-3297	501	25	life	life	NOUN
fsr-3297	501	26	expectancies	expectancy	NOUN
fsr-3297	501	27	for	for	ADP
fsr-3297	501	28	black	black	ADJ
fsr-3297	501	29	and	and	CCONJ
fsr-3297	501	30	white	white	ADJ
fsr-3297	501	31	males	male	NOUN
fsr-3297	501	32	and	and	CCONJ
fsr-3297	501	33	females	female	NOUN
fsr-3297	501	34	.	.	PUNCT
fsr-3297	502	1	e.	e.	PROPN
fsr-3297	502	2	arias	arias	PROPN
fsr-3297	502	3	,	,	PUNCT
fsr-3297	502	4	united	united	PROPN
fsr-3297	502	5	states	states	PROPN
fsr-3297	502	6	life	life	NOUN
fsr-3297	502	7	tables	table	NOUN
fsr-3297	502	8	by	by	ADP
fsr-3297	502	9	hispanic	hispanic	ADJ
fsr-3297	502	10	origin	origin	NOUN
fsr-3297	502	11	.	.	PUNCT
fsr-3297	503	1	national	national	ADJ
fsr-3297	503	2	center	center	NOUN
fsr-3297	503	3	for	for	ADP
fsr-3297	503	4	health	health	NOUN
fsr-3297	503	5	statistics	statistic	NOUN
fsr-3297	503	6	.	.	PUNCT
fsr-3297	504	1	vital	vital	ADJ
fsr-3297	504	2	health	health	NOUN
fsr-3297	504	3	stat	stat	PROPN
fsr-3297	504	4	2(152	2(152	NUM
fsr-3297	504	5	)	)	PUNCT
fsr-3297	504	6	.	.	PUNCT
fsr-3297	505	1	2010	2010	NUM
fsr-3297	505	2	provides	provide	VERB
fsr-3297	505	3	life	life	NOUN
fsr-3297	505	4	expectancies	expectancy	NOUN
fsr-3297	505	5	for	for	ADP
fsr-3297	505	6	hispanic	hispanic	ADJ
fsr-3297	505	7	males	male	NOUN
fsr-3297	505	8	and	and	CCONJ
fsr-3297	505	9	females	female	NOUN
fsr-3297	505	10	(	(	PUNCT
fsr-3297	505	11	arias	aria	NOUN
fsr-3297	505	12	,	,	PUNCT
fsr-3297	505	13	2010	2010	NUM
fsr-3297	505	14	)	)	PUNCT
fsr-3297	505	15	.	.	PUNCT
fsr-3297	506	1	4	4	NUM
fsr-3297	506	2	because	because	SCONJ
fsr-3297	506	3	angela	angela	PROPN
fsr-3297	506	4	is	be	AUX
fsr-3297	506	5	born	bear	VERB
fsr-3297	506	6	in	in	ADP
fsr-3297	506	7	1958	1958	NUM
fsr-3297	506	8	,	,	PUNCT
fsr-3297	506	9	her	her	PRON
fsr-3297	506	10	fra	fra	NOUN
fsr-3297	506	11	is	be	AUX
fsr-3297	506	12	66	66	NUM
fsr-3297	506	13	and	and	CCONJ
fsr-3297	506	14	8	8	NUM
fsr-3297	506	15	months	month	NOUN
fsr-3297	506	16	.	.	PUNCT
fsr-3297	507	1	thus	thus	ADV
fsr-3297	507	2	her	her	PRON
fsr-3297	507	3	spousal	spousal	NOUN
fsr-3297	507	4	benefits	benefit	NOUN
fsr-3297	507	5	are	be	AUX
fsr-3297	507	6	reduced	reduce	VERB
fsr-3297	507	7	by	by	ADP
fsr-3297	507	8	an	an	DET
fsr-3297	507	9	extra	extra	ADJ
fsr-3297	507	10	8	8	NUM
fsr-3297	507	11	months	month	NOUN
fsr-3297	507	12	.	.	PUNCT
fsr-3297	508	1	references	reference	NOUN
fsr-3297	508	2	arias	arias	PROPN
fsr-3297	508	3	,	,	PUNCT
fsr-3297	508	4	e.	e.	PROPN
fsr-3297	508	5	(	(	PUNCT
fsr-3297	508	6	2010	2010	NUM
fsr-3297	508	7	)	)	PUNCT
fsr-3297	508	8	.	.	PUNCT
fsr-3297	509	1	united	united	PROPN
fsr-3297	509	2	states	states	PROPN
fsr-3297	509	3	life	life	NOUN
fsr-3297	509	4	tables	table	NOUN
fsr-3297	509	5	by	by	ADP
fsr-3297	509	6	hispanic	hispanic	ADJ
fsr-3297	509	7	origin	origin	NOUN
fsr-3297	509	8	.	.	PUNCT
fsr-3297	510	1	national	national	ADJ
fsr-3297	510	2	center	center	NOUN
fsr-3297	510	3	for	for	ADP
fsr-3297	510	4	health	health	NOUN
fsr-3297	510	5	statistics	statistic	NOUN
fsr-3297	510	6	.	.	PUNCT
fsr-3297	511	1	vital	vital	ADJ
fsr-3297	511	2	health	health	NOUN
fsr-3297	511	3	stat	stat	PROPN
fsr-3297	511	4	2(152	2(152	NUM
fsr-3297	511	5	)	)	PUNCT
fsr-3297	511	6	.	.	PUNCT
fsr-3297	512	1	blanchett	blanchett	PROPN
fsr-3297	512	2	,	,	PUNCT
fsr-3297	512	3	d.	d.	PROPN
fsr-3297	512	4	(	(	PUNCT
fsr-3297	512	5	2012	2012	NUM
fsr-3297	512	6	)	)	PUNCT
fsr-3297	512	7	.	.	PUNCT
fsr-3297	513	1	when	when	SCONJ
fsr-3297	513	2	to	to	PART
fsr-3297	513	3	claim	claim	VERB
fsr-3297	513	4	social	social	ADJ
fsr-3297	513	5	security	security	NOUN
fsr-3297	513	6	benefits	benefit	NOUN
fsr-3297	513	7	.	.	PUNCT
fsr-3297	514	1	journal	journal	NOUN
fsr-3297	514	2	of	of	ADP
fsr-3297	514	3	personal	personal	ADJ
fsr-3297	514	4	finance	finance	NOUN
fsr-3297	514	5	,	,	PUNCT
fsr-3297	514	6	11	11	NUM
fsr-3297	514	7	,	,	PUNCT
fsr-3297	514	8	36–87	36–87	NUM
fsr-3297	514	9	.	.	PUNCT
fsr-3297	515	1	coile	coile	PROPN
fsr-3297	515	2	,	,	PUNCT
fsr-3297	515	3	c.	c.	PROPN
fsr-3297	515	4	,	,	PUNCT
fsr-3297	515	5	diamond	diamond	NOUN
fsr-3297	515	6	,	,	PUNCT
fsr-3297	515	7	p.	p.	NOUN
fsr-3297	515	8	,	,	PUNCT
fsr-3297	515	9	gruber	gruber	PROPN
fsr-3297	515	10	,	,	PUNCT
fsr-3297	515	11	j.	j.	PROPN
fsr-3297	515	12	,	,	PUNCT
fsr-3297	515	13	&	&	CCONJ
fsr-3297	515	14	jousten	jousten	PROPN
fsr-3297	515	15	,	,	PUNCT
fsr-3297	515	16	a.	a.	NOUN
fsr-3297	515	17	(	(	PUNCT
fsr-3297	515	18	2002	2002	NUM
fsr-3297	515	19	)	)	PUNCT
fsr-3297	515	20	.	.	PUNCT
fsr-3297	516	1	delays	delay	NOUN
fsr-3297	516	2	in	in	ADP
fsr-3297	516	3	claiming	claim	VERB
fsr-3297	516	4	social	social	ADJ
fsr-3297	516	5	security	security	NOUN
fsr-3297	516	6	benefits	benefit	NOUN
fsr-3297	516	7	.	.	PUNCT
fsr-3297	517	1	journal	journal	NOUN
fsr-3297	517	2	of	of	ADP
fsr-3297	517	3	public	public	ADJ
fsr-3297	517	4	economics	economic	NOUN
fsr-3297	517	5	,	,	PUNCT
fsr-3297	517	6	84	84	NUM
fsr-3297	517	7	,	,	PUNCT
fsr-3297	517	8	357–385	357–385	NUM
fsr-3297	517	9	.	.	PUNCT
fsr-3297	518	1	docking	docking	NOUN
fsr-3297	518	2	,	,	PUNCT
fsr-3297	518	3	d.	d.	PROPN
fsr-3297	518	4	s.	s.	PROPN
fsr-3297	518	5	,	,	PUNCT
fsr-3297	518	6	fortin	fortin	PROPN
fsr-3297	518	7	,	,	PUNCT
fsr-3297	518	8	r.	r.	PROPN
fsr-3297	518	9	,	,	PUNCT
fsr-3297	518	10	&	&	CCONJ
fsr-3297	518	11	michelson	michelson	PROPN
fsr-3297	518	12	,	,	PUNCT
fsr-3297	518	13	s.	s.	PROPN
fsr-3297	518	14	(	(	PUNCT
fsr-3297	518	15	2012	2012	NUM
fsr-3297	518	16	)	)	PUNCT
fsr-3297	518	17	.	.	PUNCT
fsr-3297	519	1	the	the	DET
fsr-3297	519	2	influence	influence	NOUN
fsr-3297	519	3	of	of	ADP
fsr-3297	519	4	gender	gender	NOUN
fsr-3297	519	5	and	and	CCONJ
fsr-3297	519	6	race	race	NOUN
fsr-3297	519	7	on	on	ADP
fsr-3297	519	8	the	the	DET
fsr-3297	519	9	social	social	ADJ
fsr-3297	519	10	security	security	NOUN
fsr-3297	519	11	early	early	ADJ
fsr-3297	519	12	retirement	retirement	NOUN
fsr-3297	519	13	decision	decision	NOUN
fsr-3297	519	14	for	for	ADP
fsr-3297	519	15	single	single	ADJ
fsr-3297	519	16	individuals	individual	NOUN
fsr-3297	519	17	.	.	PUNCT
fsr-3297	520	1	journal	journal	PROPN
fsr-3297	520	2	of	of	ADP
fsr-3297	520	3	economics	economic	NOUN
fsr-3297	520	4	and	and	CCONJ
fsr-3297	520	5	economic	economic	ADJ
fsr-3297	520	6	education	education	NOUN
fsr-3297	520	7	research	research	NOUN
fsr-3297	520	8	,	,	PUNCT
fsr-3297	520	9	13	13	NUM
fsr-3297	520	10	,	,	PUNCT
fsr-3297	520	11	87–104	87–104	PROPN
fsr-3297	520	12	.	.	PUNCT
fsr-3297	521	1	docking	docking	PROPN
fsr-3297	521	2	,	,	PUNCT
fsr-3297	521	3	d.	d.	PROPN
fsr-3297	521	4	s.	s.	PROPN
fsr-3297	521	5	,	,	PUNCT
fsr-3297	521	6	fortin	fortin	PROPN
fsr-3297	521	7	,	,	PUNCT
fsr-3297	521	8	r.	r.	PROPN
fsr-3297	521	9	,	,	PUNCT
fsr-3297	521	10	&	&	CCONJ
fsr-3297	521	11	michelson	michelson	PROPN
fsr-3297	521	12	,	,	PUNCT
fsr-3297	521	13	s.	s.	PROPN
fsr-3297	521	14	(	(	PUNCT
fsr-3297	521	15	2013	2013	NUM
fsr-3297	521	16	)	)	PUNCT
fsr-3297	521	17	.	.	PUNCT
fsr-3297	522	1	the	the	DET
fsr-3297	522	2	influence	influence	NOUN
fsr-3297	522	3	of	of	ADP
fsr-3297	522	4	race	race	NOUN
fsr-3297	522	5	on	on	ADP
fsr-3297	522	6	the	the	DET
fsr-3297	522	7	social	social	ADJ
fsr-3297	522	8	security	security	NOUN
fsr-3297	522	9	early	early	ADJ
fsr-3297	522	10	retirement	retirement	NOUN
fsr-3297	522	11	decision	decision	NOUN
fsr-3297	522	12	for	for	ADP
fsr-3297	522	13	married	married	ADJ
fsr-3297	522	14	couples	couple	NOUN
fsr-3297	522	15	.	.	PUNCT
fsr-3297	523	1	financial	financial	ADJ
fsr-3297	523	2	services	service	NOUN
fsr-3297	523	3	review	review	PROPN
fsr-3297	523	4	,	,	PUNCT
fsr-3297	523	5	22	22	NUM
fsr-3297	523	6	,	,	PUNCT
fsr-3297	523	7	133–150	133–150	NUM
fsr-3297	523	8	.	.	PUNCT
fsr-3297	524	1	docking	docking	NOUN
fsr-3297	524	2	,	,	PUNCT
fsr-3297	524	3	d.	d.	PROPN
fsr-3297	524	4	s.	s.	PROPN
fsr-3297	524	5	,	,	PUNCT
fsr-3297	524	6	fortin	fortin	PROPN
fsr-3297	524	7	,	,	PUNCT
fsr-3297	524	8	r.	r.	PROPN
fsr-3297	524	9	,	,	PUNCT
fsr-3297	524	10	&	&	CCONJ
fsr-3297	524	11	michelson	michelson	PROPN
fsr-3297	524	12	,	,	PUNCT
fsr-3297	524	13	s.	s.	PROPN
fsr-3297	524	14	(	(	PUNCT
fsr-3297	524	15	2015	2015	NUM
fsr-3297	524	16	)	)	PUNCT
fsr-3297	524	17	.	.	PUNCT
fsr-3297	525	1	the	the	DET
fsr-3297	525	2	impact	impact	NOUN
fsr-3297	525	3	of	of	ADP
fsr-3297	525	4	different	different	ADJ
fsr-3297	525	5	ages	age	NOUN
fsr-3297	525	6	and	and	CCONJ
fsr-3297	525	7	race	race	NOUN
fsr-3297	525	8	on	on	ADP
fsr-3297	525	9	the	the	DET
fsr-3297	525	10	social	social	ADJ
fsr-3297	525	11	security	security	NOUN
fsr-3297	525	12	early	early	ADJ
fsr-3297	525	13	retirement	retirement	NOUN
fsr-3297	525	14	decision	decision	NOUN
fsr-3297	525	15	for	for	ADP
fsr-3297	525	16	married	married	ADJ
fsr-3297	525	17	couples	couple	NOUN
fsr-3297	525	18	.	.	PUNCT
fsr-3297	526	1	journal	journal	NOUN
fsr-3297	526	2	of	of	ADP
fsr-3297	526	3	economics	economic	NOUN
fsr-3297	526	4	and	and	CCONJ
fsr-3297	526	5	economic	economic	ADJ
fsr-3297	526	6	education	education	NOUN
fsr-3297	526	7	research	research	NOUN
fsr-3297	526	8	,	,	PUNCT
fsr-3297	526	9	16	16	NUM
fsr-3297	526	10	,	,	PUNCT
fsr-3297	526	11	72–88	72–88	NUM
fsr-3297	526	12	.	.	PUNCT
fsr-3297	527	1	mccormack	mccormack	PROPN
fsr-3297	527	2	,	,	PUNCT
fsr-3297	527	3	j.	j.	PROPN
fsr-3297	527	4	p.	p.	PROPN
fsr-3297	527	5	,	,	PUNCT
fsr-3297	527	6	&	&	CCONJ
fsr-3297	527	7	perdue	perdue	PROPN
fsr-3297	527	8	,	,	PUNCT
fsr-3297	527	9	g.	g.	PROPN
fsr-3297	527	10	(	(	PUNCT
fsr-3297	527	11	2006	2006	NUM
fsr-3297	527	12	)	)	PUNCT
fsr-3297	527	13	.	.	PUNCT
fsr-3297	528	1	optimizing	optimize	VERB
fsr-3297	528	2	the	the	DET
fsr-3297	528	3	initiation	initiation	NOUN
fsr-3297	528	4	of	of	ADP
fsr-3297	528	5	social	social	ADJ
fsr-3297	528	6	security	security	NOUN
fsr-3297	528	7	benefits	benefit	NOUN
fsr-3297	528	8	.	.	PUNCT
fsr-3297	529	1	financial	financial	ADJ
fsr-3297	529	2	services	service	NOUN
fsr-3297	529	3	review	review	PROPN
fsr-3297	529	4	,	,	PUNCT
fsr-3297	529	5	15	15	NUM
fsr-3297	529	6	,	,	PUNCT
fsr-3297	529	7	335–348	335–348	NUM
fsr-3297	529	8	.	.	PUNCT
fsr-3297	530	1	110	110	NUM
fsr-3297	530	2	d.s	d.s	PROPN
fsr-3297	530	3	.	.	PROPN
fsr-3297	530	4	docking	docking	NOUN
fsr-3297	530	5	et	et	PROPN
fsr-3297	530	6	al	al	PROPN
fsr-3297	530	7	.	.	PUNCT
fsr-3297	530	8	/	/	SYM
fsr-3297	530	9	financial	financial	ADJ
fsr-3297	530	10	services	service	NOUN
fsr-3297	530	11	review	review	VERB
fsr-3297	530	12	26	26	NUM
fsr-3297	530	13	(	(	PUNCT
fsr-3297	530	14	2017	2017	NUM
fsr-3297	530	15	)	)	PUNCT
fsr-3297	530	16	87–111	87–111	NUM
fsr-3297	530	17	munnell	munnell	NOUN
fsr-3297	530	18	,	,	PUNCT
fsr-3297	530	19	a.	a.	PROPN
fsr-3297	530	20	h.	h.	PROPN
fsr-3297	530	21	,	,	PUNCT
fsr-3297	530	22	&	&	CCONJ
fsr-3297	530	23	soto	soto	PROPN
fsr-3297	530	24	,	,	PUNCT
fsr-3297	530	25	m.	m.	NOUN
fsr-3297	530	26	(	(	PUNCT
fsr-3297	530	27	2007	2007	NUM
fsr-3297	530	28	)	)	PUNCT
fsr-3297	530	29	.	.	PUNCT
fsr-3297	531	1	when	when	SCONJ
fsr-3297	531	2	should	should	AUX
fsr-3297	531	3	women	woman	NOUN
fsr-3297	531	4	claim	claim	VERB
fsr-3297	531	5	social	social	ADJ
fsr-3297	531	6	security	security	NOUN
fsr-3297	531	7	benefits	benefit	NOUN
fsr-3297	531	8	?	?	PUNCT
fsr-3297	532	1	journal	journal	NOUN
fsr-3297	532	2	of	of	ADP
fsr-3297	532	3	financial	financial	ADJ
fsr-3297	532	4	planning	planning	NOUN
fsr-3297	532	5	,	,	PUNCT
fsr-3297	532	6	20	20	NUM
fsr-3297	532	7	,	,	PUNCT
fsr-3297	532	8	58–65	58–65	NUM
fsr-3297	532	9	.	.	PUNCT
fsr-3297	533	1	national	national	ADJ
fsr-3297	533	2	vital	vital	ADJ
fsr-3297	533	3	statistics	statistic	NOUN
fsr-3297	533	4	report	report	NOUN
fsr-3297	533	5	.	.	PUNCT
fsr-3297	534	1	(	(	PUNCT
fsr-3297	534	2	2010	2010	NUM
fsr-3297	534	3	)	)	PUNCT
fsr-3297	534	4	.	.	PUNCT
fsr-3297	535	1	united	united	PROPN
fsr-3297	535	2	states	states	PROPN
fsr-3297	535	3	life	life	NOUN
fsr-3297	535	4	tables	table	NOUN
fsr-3297	535	5	,	,	PUNCT
fsr-3297	535	6	2006	2006	NUM
fsr-3297	535	7	;	;	PUNCT
fsr-3297	535	8	volume	volume	NOUN
fsr-3297	535	9	58	58	NUM
fsr-3297	535	10	,	,	PUNCT
fsr-3297	535	11	number	number	NOUN
fsr-3297	535	12	21	21	NUM
fsr-3297	535	13	.	.	PUNCT
fsr-3297	536	1	june	june	PROPN
fsr-3297	536	2	28	28	NUM
fsr-3297	536	3	,	,	PUNCT
fsr-3297	536	4	2010	2010	NUM
fsr-3297	536	5	.	.	PUNCT
fsr-3297	537	1	social	social	ADJ
fsr-3297	537	2	security	security	NOUN
fsr-3297	537	3	administration	administration	NOUN
fsr-3297	537	4	.	.	PUNCT
fsr-3297	538	1	(	(	PUNCT
fsr-3297	538	2	2017	2017	NUM
fsr-3297	538	3	)	)	PUNCT
fsr-3297	538	4	.	.	PUNCT
fsr-3297	539	1	national	national	ADJ
fsr-3297	539	2	vital	vital	ADJ
fsr-3297	539	3	statistics	statistic	NOUN
fsr-3297	539	4	report	report	NOUN
fsr-3297	539	5	(	(	PUNCT
fsr-3297	539	6	available	available	ADJ
fsr-3297	539	7	at	at	ADP
fsr-3297	539	8	http://www.socialsecurity.gov/pubs/10003.html	http://www.socialsecurity.gov/pubs/10003.html	PROPN
fsr-3297	539	9	)	)	PUNCT
fsr-3297	539	10	.	.	PUNCT
fsr-3297	540	1	spitzer	spitzer	PROPN
fsr-3297	540	2	,	,	PUNCT
fsr-3297	540	3	j.	j.	PROPN
fsr-3297	540	4	j.	j.	PROPN
fsr-3297	540	5	(	(	PUNCT
fsr-3297	540	6	2006	2006	NUM
fsr-3297	540	7	)	)	PUNCT
fsr-3297	540	8	.	.	PUNCT
fsr-3297	541	1	delaying	delay	VERB
fsr-3297	541	2	social	social	ADJ
fsr-3297	541	3	security	security	NOUN
fsr-3297	541	4	payments	payment	NOUN
fsr-3297	541	5	:	:	PUNCT
fsr-3297	541	6	a	a	DET
fsr-3297	541	7	bootstrap	bootstrap	NOUN
fsr-3297	541	8	.	.	PUNCT
fsr-3297	542	1	financial	financial	ADJ
fsr-3297	542	2	services	services	PROPN
fsr-3297	542	3	review	review	PROPN
fsr-3297	542	4	,	,	PUNCT
fsr-3297	542	5	15	15	NUM
fsr-3297	542	6	,	,	PUNCT
fsr-3297	542	7	233–245	233–245	NUM
fsr-3297	542	8	.	.	PUNCT
fsr-3297	543	1	sun	sun	PROPN
fsr-3297	543	2	,	,	PUNCT
fsr-3297	543	3	w.	w.	PROPN
fsr-3297	543	4	,	,	PUNCT
fsr-3297	543	5	&	&	CCONJ
fsr-3297	543	6	webb	webb	PROPN
fsr-3297	543	7	,	,	PUNCT
fsr-3297	543	8	a.	a.	NOUN
fsr-3297	543	9	(	(	PUNCT
fsr-3297	543	10	2009	2009	NUM
fsr-3297	543	11	)	)	PUNCT
fsr-3297	543	12	.	.	PUNCT
fsr-3297	544	1	how	how	SCONJ
fsr-3297	544	2	much	much	ADJ
fsr-3297	544	3	do	do	AUX
fsr-3297	544	4	households	household	NOUN
fsr-3297	544	5	really	really	ADV
fsr-3297	544	6	lose	lose	VERB
fsr-3297	544	7	by	by	ADP
fsr-3297	544	8	claiming	claim	VERB
fsr-3297	544	9	social	social	ADJ
fsr-3297	544	10	security	security	NOUN
fsr-3297	544	11	at	at	ADP
fsr-3297	544	12	age	age	NOUN
fsr-3297	544	13	62	62	NUM
fsr-3297	544	14	?	?	PUNCT
fsr-3297	545	1	center	center	NOUN
fsr-3297	545	2	for	for	ADP
fsr-3297	545	3	retirement	retirement	NOUN
fsr-3297	545	4	research	research	NOUN
fsr-3297	545	5	at	at	ADP
fsr-3297	545	6	boston	boston	PROPN
fsr-3297	545	7	college	college	PROPN
fsr-3297	545	8	,	,	PUNCT
fsr-3297	545	9	crr	crr	PROPN
fsr-3297	545	10	wp	wp	PROPN
fsr-3297	545	11	2009–11	2009–11	PROPN
fsr-3297	545	12	,	,	PUNCT
fsr-3297	545	13	march	march	PROPN
fsr-3297	545	14	,	,	PUNCT
fsr-3297	545	15	1–28	1–28	PROPN
fsr-3297	545	16	.	.	PUNCT
fsr-3297	546	1	tucker	tucker	PROPN
fsr-3297	546	2	,	,	PUNCT
fsr-3297	546	3	m.	m.	NOUN
fsr-3297	546	4	(	(	PUNCT
fsr-3297	546	5	2009	2009	NUM
fsr-3297	546	6	)	)	PUNCT
fsr-3297	546	7	.	.	PUNCT
fsr-3297	547	1	optimal	optimal	ADJ
fsr-3297	547	2	retirement	retirement	NOUN
fsr-3297	547	3	age	age	NOUN
fsr-3297	547	4	under	under	ADP
fsr-3297	547	5	normal	normal	ADJ
fsr-3297	547	6	and	and	CCONJ
fsr-3297	547	7	negative	negative	ADJ
fsr-3297	547	8	market	market	NOUN
fsr-3297	547	9	conditions	condition	NOUN
fsr-3297	547	10	considering	consider	VERB
fsr-3297	547	11	social	social	ADJ
fsr-3297	547	12	security	security	NOUN
fsr-3297	547	13	and	and	CCONJ
fsr-3297	547	14	private	private	ADJ
fsr-3297	547	15	savings	saving	NOUN
fsr-3297	547	16	.	.	PUNCT
fsr-3297	548	1	journal	journal	PROPN
fsr-3297	548	2	of	of	ADP
fsr-3297	548	3	financial	financial	ADJ
fsr-3297	548	4	planning	planning	NOUN
fsr-3297	548	5	,	,	PUNCT
fsr-3297	548	6	july	july	PROPN
fsr-3297	548	7	,	,	PUNCT
fsr-3297	548	8	42–49	42–49	NUM
fsr-3297	548	9	.	.	PUNCT
fsr-3297	549	1	111d.s	111d.s	NUM
fsr-3297	549	2	.	.	PUNCT
fsr-3297	550	1	docking	dock	VERB
fsr-3297	550	2	et	et	PROPN
fsr-3297	550	3	al	al	PROPN
fsr-3297	550	4	.	.	PUNCT
fsr-3297	550	5	/	/	SYM
fsr-3297	550	6	financial	financial	ADJ
fsr-3297	550	7	services	service	NOUN
fsr-3297	550	8	review	review	VERB
fsr-3297	550	9	26	26	NUM
fsr-3297	550	10	(	(	PUNCT
fsr-3297	550	11	2017	2017	NUM
fsr-3297	550	12	)	)	PUNCT
fsr-3297	550	13	87–111	87–111	NUM