id	sid	tid	token	lemma	pos
fsr-3299	1	1	from	from	ADP
fsr-3299	1	2	the	the	DET
fsr-3299	1	3	editor	editor	NOUN
fsr-3299	1	4	this	this	DET
fsr-3299	1	5	issue	issue	NOUN
fsr-3299	1	6	contains	contain	VERB
fsr-3299	1	7	issue	issue	NOUN
fsr-3299	1	8	1	1	NUM
fsr-3299	1	9	of	of	ADP
fsr-3299	1	10	volume	volume	NOUN
fsr-3299	1	11	26	26	NUM
fsr-3299	1	12	of	of	ADP
fsr-3299	1	13	financial	financial	ADJ
fsr-3299	1	14	services	service	NOUN
fsr-3299	1	15	review	review	NOUN
fsr-3299	1	16	(	(	PUNCT
fsr-3299	1	17	fsr	fsr	PROPN
fsr-3299	1	18	)	)	PUNCT
fsr-3299	1	19	.	.	PUNCT
fsr-3299	2	1	i	i	PRON
fsr-3299	2	2	would	would	AUX
fsr-3299	2	3	like	like	VERB
fsr-3299	2	4	to	to	PART
fsr-3299	2	5	thank	thank	VERB
fsr-3299	2	6	the	the	DET
fsr-3299	2	7	board	board	NOUN
fsr-3299	2	8	and	and	CCONJ
fsr-3299	2	9	members	member	NOUN
fsr-3299	2	10	of	of	ADP
fsr-3299	2	11	the	the	DET
fsr-3299	2	12	academy	academy	NOUN
fsr-3299	2	13	of	of	ADP
fsr-3299	2	14	financial	financial	ADJ
fsr-3299	2	15	services	service	NOUN
fsr-3299	2	16	for	for	ADP
fsr-3299	2	17	their	their	PRON
fsr-3299	2	18	continued	continue	VERB
fsr-3299	2	19	support	support	NOUN
fsr-3299	2	20	.	.	PUNCT
fsr-3299	3	1	i	i	PRON
fsr-3299	3	2	continue	continue	VERB
fsr-3299	3	3	to	to	PART
fsr-3299	3	4	work	work	VERB
fsr-3299	3	5	in	in	ADP
fsr-3299	3	6	broadening	broaden	VERB
fsr-3299	3	7	the	the	DET
fsr-3299	3	8	scope	scope	NOUN
fsr-3299	3	9	of	of	ADP
fsr-3299	3	10	articles	article	NOUN
fsr-3299	3	11	,	,	PUNCT
fsr-3299	3	12	while	while	SCONJ
fsr-3299	3	13	still	still	ADV
fsr-3299	3	14	focusing	focus	VERB
fsr-3299	3	15	on	on	ADP
fsr-3299	3	16	individual	individual	ADJ
fsr-3299	3	17	financial	financial	ADJ
fsr-3299	3	18	management	management	NOUN
fsr-3299	3	19	and	and	CCONJ
fsr-3299	3	20	personal	personal	ADJ
fsr-3299	3	21	financial	financial	ADJ
fsr-3299	3	22	planning	planning	NOUN
fsr-3299	3	23	.	.	PUNCT
fsr-3299	4	1	i	i	PRON
fsr-3299	4	2	encourage	encourage	VERB
fsr-3299	4	3	authors	author	NOUN
fsr-3299	4	4	to	to	PART
fsr-3299	4	5	reach	reach	VERB
fsr-3299	4	6	out	out	ADP
fsr-3299	4	7	when	when	SCONJ
fsr-3299	4	8	discussing	discuss	VERB
fsr-3299	4	9	implications	implication	NOUN
fsr-3299	4	10	of	of	ADP
fsr-3299	4	11	their	their	PRON
fsr-3299	4	12	findings	finding	NOUN
fsr-3299	4	13	in	in	ADP
fsr-3299	4	14	a	a	DET
fsr-3299	4	15	more	more	ADV
fsr-3299	4	16	comprehensive	comprehensive	ADJ
fsr-3299	4	17	way	way	NOUN
fsr-3299	4	18	.	.	PUNCT
fsr-3299	5	1	as	as	SCONJ
fsr-3299	5	2	such	such	ADJ
fsr-3299	5	3	,	,	PUNCT
fsr-3299	5	4	all	all	DET
fsr-3299	5	5	articles	article	NOUN
fsr-3299	5	6	in	in	ADP
fsr-3299	5	7	the	the	DET
fsr-3299	5	8	journal	journal	NOUN
fsr-3299	5	9	more	more	ADV
fsr-3299	5	10	appropriately	appropriately	ADV
fsr-3299	5	11	relate	relate	VERB
fsr-3299	5	12	to	to	ADP
fsr-3299	5	13	financial	financial	ADJ
fsr-3299	5	14	planning	planning	NOUN
fsr-3299	5	15	issues	issue	NOUN
fsr-3299	5	16	.	.	PUNCT
fsr-3299	6	1	the	the	DET
fsr-3299	6	2	lead	lead	ADJ
fsr-3299	6	3	article	article	NOUN
fsr-3299	6	4	“	"	PUNCT
fsr-3299	6	5	individual	individual	ADJ
fsr-3299	6	6	estimates	estimate	NOUN
fsr-3299	6	7	of	of	ADP
fsr-3299	6	8	life	life	NOUN
fsr-3299	6	9	expectancy	expectancy	NOUN
fsr-3299	6	10	and	and	CCONJ
fsr-3299	6	11	consumption	consumption	NOUN
fsr-3299	6	12	patterns	pattern	NOUN
fsr-3299	6	13	,	,	PUNCT
fsr-3299	6	14	”	"	PUNCT
fsr-3299	6	15	is	be	AUX
fsr-3299	6	16	coauthored	coauthore	VERB
fsr-3299	6	17	derek	derek	PROPN
fsr-3299	6	18	r.	r.	PROPN
fsr-3299	6	19	lawson	lawson	PROPN
fsr-3299	6	20	and	and	CCONJ
fsr-3299	6	21	stuart	stuart	PROPN
fsr-3299	6	22	j.	j.	PROPN
fsr-3299	6	23	heckman	heckman	PROPN
fsr-3299	6	24	,	,	PUNCT
fsr-3299	6	25	both	both	CCONJ
fsr-3299	6	26	at	at	ADP
fsr-3299	6	27	kansas	kansas	PROPN
fsr-3299	6	28	state	state	PROPN
fsr-3299	6	29	university	university	PROPN
fsr-3299	6	30	.	.	PUNCT
fsr-3299	7	1	using	use	VERB
fsr-3299	7	2	the	the	DET
fsr-3299	7	3	2013	2013	NUM
fsr-3299	7	4	survey	survey	NOUN
fsr-3299	7	5	of	of	ADP
fsr-3299	7	6	consumer	consumer	NOUN
fsr-3299	7	7	finances	finance	NOUN
fsr-3299	7	8	,	,	PUNCT
fsr-3299	7	9	the	the	DET
fsr-3299	7	10	authors	author	NOUN
fsr-3299	7	11	investigate	investigate	VERB
fsr-3299	7	12	the	the	DET
fsr-3299	7	13	relationship	relationship	NOUN
fsr-3299	7	14	between	between	ADP
fsr-3299	7	15	subjective	subjective	ADJ
fsr-3299	7	16	life	life	NOUN
fsr-3299	7	17	expectancy	expectancy	NOUN
fsr-3299	7	18	and	and	CCONJ
fsr-3299	7	19	three	three	NUM
fsr-3299	7	20	indicators	indicator	NOUN
fsr-3299	7	21	of	of	ADP
fsr-3299	7	22	consumption	consumption	NOUN
fsr-3299	7	23	:	:	PUNCT
fsr-3299	7	24	financial	financial	ADJ
fsr-3299	7	25	assets	asset	NOUN
fsr-3299	7	26	,	,	PUNCT
fsr-3299	7	27	credit	credit	NOUN
fsr-3299	7	28	card	card	NOUN
fsr-3299	7	29	debt	debt	NOUN
fsr-3299	7	30	,	,	PUNCT
fsr-3299	7	31	and	and	CCONJ
fsr-3299	7	32	saving	save	VERB
fsr-3299	7	33	behavior	behavior	NOUN
fsr-3299	7	34	.	.	PUNCT
fsr-3299	8	1	their	their	PRON
fsr-3299	8	2	results	result	NOUN
fsr-3299	8	3	indicate	indicate	VERB
fsr-3299	8	4	that	that	SCONJ
fsr-3299	8	5	remaining	remain	VERB
fsr-3299	8	6	work	work	NOUN
fsr-3299	8	7	life	life	NOUN
fsr-3299	8	8	expectancy	expectancy	NOUN
fsr-3299	8	9	and	and	CCONJ
fsr-3299	8	10	retirement	retirement	NOUN
fsr-3299	8	11	life	life	NOUN
fsr-3299	8	12	expectancy	expectancy	NOUN
fsr-3299	8	13	are	be	AUX
fsr-3299	8	14	associated	associate	VERB
fsr-3299	8	15	with	with	ADP
fsr-3299	8	16	financial	financial	ADJ
fsr-3299	8	17	assets	asset	NOUN
fsr-3299	8	18	and	and	CCONJ
fsr-3299	8	19	that	that	SCONJ
fsr-3299	8	20	retirement	retirement	NOUN
fsr-3299	8	21	life	life	NOUN
fsr-3299	8	22	expectancy	expectancy	NOUN
fsr-3299	8	23	is	be	AUX
fsr-3299	8	24	associated	associate	VERB
fsr-3299	8	25	with	with	ADP
fsr-3299	8	26	savings	saving	NOUN
fsr-3299	8	27	behavior	behavior	NOUN
fsr-3299	8	28	.	.	PUNCT
fsr-3299	9	1	the	the	DET
fsr-3299	9	2	second	second	ADJ
fsr-3299	9	3	article	article	NOUN
fsr-3299	9	4	“	"	PUNCT
fsr-3299	9	5	employees	employee	NOUN
fsr-3299	9	6	’	'	PUNCT
fsr-3299	9	7	financial	financial	ADJ
fsr-3299	9	8	behaviors	behavior	NOUN
fsr-3299	9	9	following	follow	VERB
fsr-3299	9	10	the	the	DET
fsr-3299	9	11	2007–2009	2007–2009	NUM
fsr-3299	9	12	financial	financial	ADJ
fsr-3299	9	13	crisis	crisis	NOUN
fsr-3299	9	14	,	,	PUNCT
fsr-3299	9	15	”	"	PUNCT
fsr-3299	9	16	is	be	AUX
fsr-3299	9	17	coauthored	coauthore	VERB
fsr-3299	9	18	by	by	ADP
fsr-3299	9	19	crystal	crystal	PROPN
fsr-3299	9	20	hudson	hudson	PROPN
fsr-3299	9	21	at	at	ADP
fsr-3299	9	22	clark	clark	PROPN
fsr-3299	9	23	atlanta	atlanta	PROPN
fsr-3299	9	24	university	university	PROPN
fsr-3299	9	25	,	,	PUNCT
fsr-3299	9	26	wookjae	wookjae	ADV
fsr-3299	9	27	heo	heo	PROPN
fsr-3299	9	28	at	at	ADP
fsr-3299	9	29	south	south	PROPN
fsr-3299	9	30	dakota	dakota	PROPN
fsr-3299	9	31	state	state	PROPN
fsr-3299	9	32	university	university	PROPN
fsr-3299	9	33	,	,	PUNCT
fsr-3299	9	34	heejung	heejung	PROPN
fsr-3299	9	35	park	park	NOUN
fsr-3299	9	36	at	at	ADP
fsr-3299	9	37	university	university	PROPN
fsr-3299	9	38	of	of	ADP
fsr-3299	9	39	wyoming	wyoming	PROPN
fsr-3299	9	40	,	,	PUNCT
fsr-3299	9	41	and	and	CCONJ
fsr-3299	9	42	lance	lance	PROPN
fsr-3299	9	43	palmer	palmer	PROPN
fsr-3299	9	44	at	at	ADP
fsr-3299	9	45	university	university	PROPN
fsr-3299	9	46	of	of	ADP
fsr-3299	9	47	georgia	georgia	PROPN
fsr-3299	9	48	.	.	PUNCT
fsr-3299	10	1	this	this	DET
fsr-3299	10	2	paper	paper	NOUN
fsr-3299	10	3	is	be	AUX
fsr-3299	10	4	based	base	VERB
fsr-3299	10	5	on	on	ADP
fsr-3299	10	6	the	the	DET
fsr-3299	10	7	foundation	foundation	NOUN
fsr-3299	10	8	that	that	PRON
fsr-3299	10	9	lowand	lowand	ADJ
fsr-3299	10	10	middle	middle	ADJ
fsr-3299	10	11	-	-	PUNCT
fsr-3299	10	12	income	income	NOUN
fsr-3299	10	13	employees	employee	NOUN
fsr-3299	10	14	make	make	VERB
fsr-3299	10	15	up	up	ADP
fsr-3299	10	16	the	the	DET
fsr-3299	10	17	bulk	bulk	NOUN
fsr-3299	10	18	of	of	ADP
fsr-3299	10	19	potential	potential	ADJ
fsr-3299	10	20	participants	participant	NOUN
fsr-3299	10	21	in	in	ADP
fsr-3299	10	22	employer	employer	NOUN
fsr-3299	10	23	-	-	PUNCT
fsr-3299	10	24	sponsored	sponsor	VERB
fsr-3299	10	25	retirement	retirement	NOUN
fsr-3299	10	26	plans	plan	NOUN
fsr-3299	10	27	and	and	CCONJ
fsr-3299	10	28	employers	employer	NOUN
fsr-3299	10	29	find	find	VERB
fsr-3299	10	30	it	it	PRON
fsr-3299	10	31	difficult	difficult	ADJ
fsr-3299	10	32	to	to	PART
fsr-3299	10	33	alter	alter	VERB
fsr-3299	10	34	the	the	DET
fsr-3299	10	35	employees	employee	NOUN
fsr-3299	10	36	savings	saving	NOUN
fsr-3299	10	37	behavior	behavior	NOUN
fsr-3299	10	38	.	.	PUNCT
fsr-3299	11	1	noting	note	VERB
fsr-3299	11	2	that	that	SCONJ
fsr-3299	11	3	financial	financial	ADJ
fsr-3299	11	4	crises	crisis	NOUN
fsr-3299	11	5	may	may	AUX
fsr-3299	11	6	have	have	AUX
fsr-3299	11	7	unintended	unintended	ADJ
fsr-3299	11	8	positive	positive	ADJ
fsr-3299	11	9	effects	effect	NOUN
fsr-3299	11	10	on	on	ADP
fsr-3299	11	11	low	low	ADJ
fsr-3299	11	12	-	-	PUNCT
fsr-3299	11	13	income	income	NOUN
fsr-3299	11	14	employees	employee	NOUN
fsr-3299	11	15	’	’	PART
fsr-3299	11	16	behavior	behavior	NOUN
fsr-3299	11	17	,	,	PUNCT
fsr-3299	11	18	the	the	DET
fsr-3299	11	19	authors	author	NOUN
fsr-3299	11	20	examine	examine	VERB
fsr-3299	11	21	the	the	DET
fsr-3299	11	22	effect	effect	NOUN
fsr-3299	11	23	of	of	ADP
fsr-3299	11	24	the	the	DET
fsr-3299	11	25	2007–2009	2007–2009	NUM
fsr-3299	11	26	financial	financial	ADJ
fsr-3299	11	27	crisis	crisis	NOUN
fsr-3299	11	28	on	on	ADP
fsr-3299	11	29	employees	employee	NOUN
fsr-3299	11	30	’	’	PART
fsr-3299	11	31	financial	financial	ADJ
fsr-3299	11	32	behaviors	behavior	NOUN
fsr-3299	11	33	using	use	VERB
fsr-3299	11	34	data	datum	NOUN
fsr-3299	11	35	from	from	ADP
fsr-3299	11	36	the	the	DET
fsr-3299	11	37	survey	survey	NOUN
fsr-3299	11	38	of	of	ADP
fsr-3299	11	39	consumer	consumer	NOUN
fsr-3299	11	40	finances	finance	NOUN
fsr-3299	11	41	.	.	PUNCT
fsr-3299	12	1	their	their	PRON
fsr-3299	12	2	results	result	NOUN
fsr-3299	12	3	show	show	VERB
fsr-3299	12	4	that	that	SCONJ
fsr-3299	12	5	following	follow	VERB
fsr-3299	12	6	the	the	DET
fsr-3299	12	7	financial	financial	ADJ
fsr-3299	12	8	crisis	crisis	NOUN
fsr-3299	12	9	,	,	PUNCT
fsr-3299	12	10	all	all	DET
fsr-3299	12	11	employees	employee	NOUN
fsr-3299	12	12	’	'	PUNCT
fsr-3299	12	13	and	and	CCONJ
fsr-3299	12	14	low	low	ADJ
fsr-3299	12	15	-	-	PUNCT
fsr-3299	12	16	income	income	NOUN
fsr-3299	12	17	employees	employee	NOUN
fsr-3299	12	18	’	’	PART
fsr-3299	12	19	savings	saving	NOUN
fsr-3299	12	20	behavior	behavior	NOUN
fsr-3299	12	21	significantly	significantly	ADV
fsr-3299	12	22	improved	improve	VERB
fsr-3299	12	23	and	and	CCONJ
fsr-3299	12	24	employees	employee	NOUN
fsr-3299	12	25	’	’	PART
fsr-3299	12	26	cash	cash	NOUN
fsr-3299	12	27	flow	flow	NOUN
fsr-3299	12	28	management	management	NOUN
fsr-3299	12	29	behavior	behavior	NOUN
fsr-3299	12	30	improved	improve	VERB
fsr-3299	12	31	following	follow	VERB
fsr-3299	12	32	the	the	DET
fsr-3299	12	33	crisis	crisis	NOUN
fsr-3299	12	34	,	,	PUNCT
fsr-3299	12	35	while	while	SCONJ
fsr-3299	12	36	it	it	PRON
fsr-3299	12	37	had	have	VERB
fsr-3299	12	38	no	no	DET
fsr-3299	12	39	effect	effect	NOUN
fsr-3299	12	40	on	on	ADP
fsr-3299	12	41	low	low	ADJ
fsr-3299	12	42	-	-	PUNCT
fsr-3299	12	43	income	income	NOUN
fsr-3299	12	44	employees	employee	NOUN
fsr-3299	12	45	’	’	PART
fsr-3299	12	46	cash	cash	NOUN
fsr-3299	12	47	flow	flow	NOUN
fsr-3299	12	48	management	management	NOUN
fsr-3299	12	49	behavior	behavior	NOUN
fsr-3299	12	50	.	.	PUNCT
fsr-3299	13	1	the	the	DET
fsr-3299	13	2	third	third	ADJ
fsr-3299	13	3	article	article	NOUN
fsr-3299	13	4	,	,	PUNCT
fsr-3299	13	5	“	"	PUNCT
fsr-3299	13	6	value	value	NOUN
fsr-3299	13	7	line	line	NOUN
fsr-3299	13	8	quarterly	quarterly	PROPN
fsr-3299	13	9	eps	eps	PROPN
fsr-3299	13	10	forecast	forecast	NOUN
fsr-3299	13	11	error	error	NOUN
fsr-3299	13	12	:	:	PUNCT
fsr-3299	13	13	analyst	analyst	NOUN
fsr-3299	13	14	credibility	credibility	NOUN
fsr-3299	13	15	or	or	CCONJ
fsr-3299	13	16	management	management	NOUN
fsr-3299	13	17	appeasement	appeasement	NOUN
fsr-3299	13	18	?	?	PUNCT
fsr-3299	13	19	”	"	PUNCT
fsr-3299	13	20	is	be	AUX
fsr-3299	13	21	authored	author	VERB
fsr-3299	13	22	by	by	ADP
fsr-3299	13	23	philip	philip	PROPN
fsr-3299	13	24	baird	baird	PROPN
fsr-3299	13	25	at	at	ADP
fsr-3299	13	26	duquesne	duquesne	PROPN
fsr-3299	13	27	university	university	PROPN
fsr-3299	13	28	.	.	PUNCT
fsr-3299	14	1	the	the	DET
fsr-3299	14	2	author	author	NOUN
fsr-3299	14	3	studies	study	VERB
fsr-3299	14	4	value	value	NOUN
fsr-3299	14	5	line	line	NOUN
fsr-3299	14	6	quarterly	quarterly	ADJ
fsr-3299	14	7	earnings	earning	NOUN
fsr-3299	14	8	forecast	forecast	NOUN
fsr-3299	14	9	errors	error	NOUN
fsr-3299	14	10	from	from	ADP
fsr-3299	14	11	1999	1999	NUM
fsr-3299	14	12	through	through	ADP
fsr-3299	14	13	2016	2016	NUM
fsr-3299	14	14	and	and	CCONJ
fsr-3299	14	15	shows	show	VERB
fsr-3299	14	16	that	that	SCONJ
fsr-3299	14	17	the	the	DET
fsr-3299	14	18	direction	direction	NOUN
fsr-3299	14	19	of	of	ADP
fsr-3299	14	20	forecast	forecast	NOUN
fsr-3299	14	21	bias	bias	NOUN
fsr-3299	14	22	and	and	CCONJ
fsr-3299	14	23	forecast	forecast	NOUN
fsr-3299	14	24	efficiency	efficiency	NOUN
fsr-3299	14	25	with	with	ADP
fsr-3299	14	26	respect	respect	NOUN
fsr-3299	14	27	to	to	ADP
fsr-3299	14	28	earnings	earning	NOUN
fsr-3299	14	29	news	news	NOUN
fsr-3299	14	30	depend	depend	VERB
fsr-3299	14	31	on	on	ADP
fsr-3299	14	32	investment	investment	NOUN
fsr-3299	14	33	rating	rating	NOUN
fsr-3299	14	34	.	.	PUNCT
fsr-3299	15	1	he	he	PRON
fsr-3299	15	2	concludes	conclude	VERB
fsr-3299	15	3	that	that	SCONJ
fsr-3299	15	4	patterns	pattern	NOUN
fsr-3299	15	5	of	of	ADP
fsr-3299	15	6	bias	bias	NOUN
fsr-3299	15	7	and	and	CCONJ
fsr-3299	15	8	inefficiency	inefficiency	NOUN
fsr-3299	15	9	indicate	indicate	VERB
fsr-3299	15	10	that	that	PRON
fsr-3299	15	11	value	value	NOUN
fsr-3299	15	12	line	line	NOUN
fsr-3299	15	13	analysts	analyst	NOUN
fsr-3299	15	14	are	be	AUX
fsr-3299	15	15	primarily	primarily	ADV
fsr-3299	15	16	motivated	motivated	ADJ
fsr-3299	15	17	to	to	PART
fsr-3299	15	18	maintain	maintain	VERB
fsr-3299	15	19	credibility	credibility	NOUN
fsr-3299	15	20	with	with	ADP
fsr-3299	15	21	investors	investor	NOUN
fsr-3299	15	22	than	than	SCONJ
fsr-3299	15	23	to	to	PART
fsr-3299	15	24	appease	appease	VERB
fsr-3299	15	25	company	company	NOUN
fsr-3299	15	26	managers	manager	NOUN
fsr-3299	15	27	.	.	PUNCT
fsr-3299	16	1	he	he	PRON
fsr-3299	16	2	also	also	ADV
fsr-3299	16	3	shows	show	VERB
fsr-3299	16	4	that	that	SCONJ
fsr-3299	16	5	for	for	ADP
fsr-3299	16	6	buy	buy	NOUN
fsr-3299	16	7	-	-	PUNCT
fsr-3299	16	8	rated	rate	VERB
fsr-3299	16	9	stocks	stock	NOUN
fsr-3299	16	10	,	,	PUNCT
fsr-3299	16	11	forecast	forecast	NOUN
fsr-3299	16	12	bias	bias	NOUN
fsr-3299	16	13	is	be	AUX
fsr-3299	16	14	pessimistic	pessimistic	ADJ
fsr-3299	16	15	,	,	PUNCT
fsr-3299	16	16	and	and	CCONJ
fsr-3299	16	17	forecasts	forecast	NOUN
fsr-3299	16	18	are	be	AUX
fsr-3299	16	19	inefficient	inefficient	ADJ
fsr-3299	16	20	with	with	ADP
fsr-3299	16	21	respect	respect	NOUN
fsr-3299	16	22	to	to	ADP
fsr-3299	16	23	good	good	ADJ
fsr-3299	16	24	earnings	earning	NOUN
fsr-3299	16	25	news	news	NOUN
fsr-3299	16	26	.	.	PUNCT
fsr-3299	17	1	when	when	SCONJ
fsr-3299	17	2	news	news	NOUN
fsr-3299	17	3	is	be	AUX
fsr-3299	17	4	bad	bad	ADJ
fsr-3299	17	5	for	for	ADP
fsr-3299	17	6	buy	buy	NOUN
fsr-3299	17	7	-	-	PUNCT
fsr-3299	17	8	rated	rate	VERB
fsr-3299	17	9	stocks	stock	NOUN
fsr-3299	17	10	,	,	PUNCT
fsr-3299	17	11	forecasts	forecast	NOUN
fsr-3299	17	12	are	be	AUX
fsr-3299	17	13	unbiased	unbiased	ADJ
fsr-3299	17	14	and	and	CCONJ
fsr-3299	17	15	efficient	efficient	ADJ
fsr-3299	17	16	.	.	PUNCT
fsr-3299	18	1	for	for	ADP
fsr-3299	18	2	sell	sell	NOUN
fsr-3299	18	3	-	-	PUNCT
fsr-3299	18	4	rated	rate	VERB
fsr-3299	18	5	stocks	stock	NOUN
fsr-3299	18	6	,	,	PUNCT
fsr-3299	18	7	forecast	forecast	NOUN
fsr-3299	18	8	bias	bias	NOUN
fsr-3299	18	9	is	be	AUX
fsr-3299	18	10	optimistic	optimistic	ADJ
fsr-3299	18	11	,	,	PUNCT
fsr-3299	18	12	financial	financial	ADJ
fsr-3299	18	13	services	service	NOUN
fsr-3299	18	14	review	review	VERB
fsr-3299	18	15	26	26	NUM
fsr-3299	18	16	(	(	PUNCT
fsr-3299	18	17	2017	2017	NUM
fsr-3299	18	18	)	)	PUNCT
fsr-3299	18	19	v	v	NOUN
fsr-3299	18	20	–	–	PUNCT
fsr-3299	18	21	vi	vi	NOUN
fsr-3299	18	22	1057	1057	NUM
fsr-3299	18	23	-	-	SYM
fsr-3299	18	24	0810/17/$	0810/17/$	NUM
fsr-3299	18	25	–	–	PUNCT
fsr-3299	18	26	see	see	VERB
fsr-3299	18	27	front	front	ADJ
fsr-3299	18	28	matter	matter	NOUN
fsr-3299	18	29	©	©	PROPN
fsr-3299	18	30	2017	2017	NUM
fsr-3299	18	31	academy	academy	NOUN
fsr-3299	18	32	of	of	ADP
fsr-3299	18	33	financial	financial	ADJ
fsr-3299	18	34	services	service	NOUN
fsr-3299	18	35	.	.	PUNCT
fsr-3299	19	1	all	all	DET
fsr-3299	19	2	rights	right	NOUN
fsr-3299	19	3	reserved	reserve	VERB
fsr-3299	19	4	.	.	PUNCT
fsr-3299	20	1	and	and	CCONJ
fsr-3299	20	2	forecasts	forecast	NOUN
fsr-3299	20	3	are	be	AUX
fsr-3299	20	4	inefficient	inefficient	ADJ
fsr-3299	20	5	with	with	ADP
fsr-3299	20	6	respect	respect	NOUN
fsr-3299	20	7	to	to	ADP
fsr-3299	20	8	bad	bad	ADJ
fsr-3299	20	9	earnings	earning	NOUN
fsr-3299	20	10	news	news	NOUN
fsr-3299	20	11	.	.	PUNCT
fsr-3299	21	1	when	when	SCONJ
fsr-3299	21	2	news	news	NOUN
fsr-3299	21	3	is	be	AUX
fsr-3299	21	4	good	good	ADJ
fsr-3299	21	5	for	for	ADP
fsr-3299	21	6	sell	sell	NOUN
fsr-3299	21	7	-	-	PUNCT
fsr-3299	21	8	rated	rate	VERB
fsr-3299	21	9	stocks	stock	NOUN
fsr-3299	21	10	,	,	PUNCT
fsr-3299	21	11	forecasts	forecast	NOUN
fsr-3299	21	12	are	be	AUX
fsr-3299	21	13	unbiased	unbiased	ADJ
fsr-3299	21	14	and	and	CCONJ
fsr-3299	21	15	efficient	efficient	ADJ
fsr-3299	21	16	.	.	PUNCT
fsr-3299	22	1	the	the	DET
fsr-3299	22	2	fourth	fourth	ADJ
fsr-3299	22	3	article	article	NOUN
fsr-3299	22	4	,	,	PUNCT
fsr-3299	22	5	“	"	PUNCT
fsr-3299	22	6	personality	personality	NOUN
fsr-3299	22	7	and	and	CCONJ
fsr-3299	22	8	borrowing	borrowing	NOUN
fsr-3299	22	9	behavior	behavior	NOUN
fsr-3299	22	10	:	:	PUNCT
fsr-3299	22	11	an	an	DET
fsr-3299	22	12	examination	examination	NOUN
fsr-3299	22	13	of	of	ADP
fsr-3299	22	14	the	the	DET
fsr-3299	22	15	role	role	NOUN
fsr-3299	22	16	of	of	ADP
fsr-3299	22	17	need	need	NOUN
fsr-3299	22	18	for	for	ADP
fsr-3299	22	19	material	material	ADJ
fsr-3299	22	20	resources	resource	NOUN
fsr-3299	22	21	and	and	CCONJ
fsr-3299	22	22	need	need	VERB
fsr-3299	22	23	for	for	ADP
fsr-3299	22	24	arousal	arousal	ADJ
fsr-3299	22	25	traits	trait	NOUN
fsr-3299	22	26	on	on	ADP
fsr-3299	22	27	household	household	NOUN
fsr-3299	22	28	’s	’s	PART
fsr-3299	22	29	borrowing	borrowing	NOUN
fsr-3299	22	30	decisions	decision	NOUN
fsr-3299	22	31	”	"	PUNCT
fsr-3299	22	32	is	be	AUX
fsr-3299	22	33	coauthored	coauthore	VERB
fsr-3299	22	34	by	by	ADP
fsr-3299	22	35	atefeh	atefeh	PROPN
fsr-3299	22	36	yazdanparast	yazdanparast	PROPN
fsr-3299	22	37	and	and	CCONJ
fsr-3299	22	38	yasser	yasser	PROPN
fsr-3299	22	39	alhenawi	alhenawi	PROPN
fsr-3299	22	40	,	,	PUNCT
fsr-3299	22	41	both	both	CCONJ
fsr-3299	22	42	at	at	ADP
fsr-3299	22	43	university	university	PROPN
fsr-3299	22	44	of	of	ADP
fsr-3299	22	45	evansville	evansville	PROPN
fsr-3299	22	46	.	.	PUNCT
fsr-3299	23	1	the	the	DET
fsr-3299	23	2	authors	author	NOUN
fsr-3299	23	3	examine	examine	VERB
fsr-3299	23	4	the	the	DET
fsr-3299	23	5	role	role	NOUN
fsr-3299	23	6	of	of	ADP
fsr-3299	23	7	psychological	psychological	ADJ
fsr-3299	23	8	characteristics	characteristic	NOUN
fsr-3299	23	9	of	of	ADP
fsr-3299	23	10	household	household	NOUN
fsr-3299	23	11	decision	decision	NOUN
fsr-3299	23	12	makers	maker	NOUN
fsr-3299	23	13	in	in	ADP
fsr-3299	23	14	their	their	PRON
fsr-3299	23	15	borrowing	borrowing	NOUN
fsr-3299	23	16	decisions	decision	NOUN
fsr-3299	23	17	using	use	VERB
fsr-3299	23	18	the	the	DET
fsr-3299	23	19	survey	survey	NOUN
fsr-3299	23	20	of	of	ADP
fsr-3299	23	21	consumer	consumer	NOUN
fsr-3299	23	22	finances	finance	NOUN
fsr-3299	23	23	and	and	CCONJ
fsr-3299	23	24	direct	direct	ADJ
fsr-3299	23	25	measures	measure	NOUN
fsr-3299	23	26	of	of	ADP
fsr-3299	23	27	each	each	DET
fsr-3299	23	28	surveyed	survey	VERB
fsr-3299	23	29	household	household	NOUN
fsr-3299	23	30	’s	’s	PART
fsr-3299	23	31	personality	personality	NOUN
fsr-3299	23	32	scores	score	NOUN
fsr-3299	23	33	,	,	PUNCT
fsr-3299	23	34	relevant	relevant	ADJ
fsr-3299	23	35	attitudes	attitude	NOUN
fsr-3299	23	36	,	,	PUNCT
fsr-3299	23	37	and	and	CCONJ
fsr-3299	23	38	financial	financial	ADJ
fsr-3299	23	39	profiles	profile	NOUN
fsr-3299	23	40	.	.	PUNCT
fsr-3299	24	1	they	they	PRON
fsr-3299	24	2	examine	examine	VERB
fsr-3299	24	3	the	the	DET
fsr-3299	24	4	relationship	relationship	NOUN
fsr-3299	24	5	between	between	ADP
fsr-3299	24	6	attitude	attitude	NOUN
fsr-3299	24	7	towards	towards	ADP
fsr-3299	24	8	borrowing	borrowing	NOUN
fsr-3299	24	9	and	and	CCONJ
fsr-3299	24	10	intentions	intention	NOUN
fsr-3299	24	11	to	to	PART
fsr-3299	24	12	apply	apply	VERB
fsr-3299	24	13	for	for	ADP
fsr-3299	24	14	specific	specific	ADJ
fsr-3299	24	15	borrowing	borrowing	NOUN
fsr-3299	24	16	options	option	NOUN
fsr-3299	24	17	and	and	CCONJ
fsr-3299	24	18	inspect	inspect	VERB
fsr-3299	24	19	the	the	DET
fsr-3299	24	20	role	role	NOUN
fsr-3299	24	21	of	of	ADP
fsr-3299	24	22	personality	personality	NOUN
fsr-3299	24	23	traits	trait	NOUN
fsr-3299	24	24	in	in	ADP
fsr-3299	24	25	such	such	ADJ
fsr-3299	24	26	decisions	decision	NOUN
fsr-3299	24	27	.	.	PUNCT
fsr-3299	25	1	their	their	PRON
fsr-3299	25	2	findings	finding	NOUN
fsr-3299	25	3	indicate	indicate	VERB
fsr-3299	25	4	that	that	SCONJ
fsr-3299	25	5	the	the	DET
fsr-3299	25	6	attitude	attitude	NOUN
fsr-3299	25	7	toward	toward	ADP
fsr-3299	25	8	borrowing	borrowing	NOUN
fsr-3299	25	9	and	and	CCONJ
fsr-3299	25	10	the	the	DET
fsr-3299	25	11	intuition	intuition	NOUN
fsr-3299	25	12	to	to	PART
fsr-3299	25	13	borrow	borrow	VERB
fsr-3299	25	14	are	be	AUX
fsr-3299	25	15	not	not	PART
fsr-3299	25	16	always	always	ADV
fsr-3299	25	17	consistent	consistent	ADJ
fsr-3299	25	18	and	and	CCONJ
fsr-3299	25	19	the	the	DET
fsr-3299	25	20	discrepancies	discrepancy	NOUN
fsr-3299	25	21	between	between	ADP
fsr-3299	25	22	the	the	DET
fsr-3299	25	23	two	two	NUM
fsr-3299	25	24	vary	vary	VERB
fsr-3299	25	25	across	across	ADP
fsr-3299	25	26	personalities	personality	NOUN
fsr-3299	25	27	,	,	PUNCT
fsr-3299	25	28	highlighting	highlight	VERB
fsr-3299	25	29	the	the	DET
fsr-3299	25	30	role	role	NOUN
fsr-3299	25	31	of	of	ADP
fsr-3299	25	32	personality	personality	NOUN
fsr-3299	25	33	traits	trait	NOUN
fsr-3299	25	34	in	in	ADP
fsr-3299	25	35	borrowing	borrowing	NOUN
fsr-3299	25	36	decisions	decision	NOUN
fsr-3299	25	37	.	.	PUNCT
fsr-3299	26	1	the	the	DET
fsr-3299	26	2	authors	author	NOUN
fsr-3299	26	3	report	report	VERB
fsr-3299	26	4	strong	strong	ADJ
fsr-3299	26	5	evidence	evidence	NOUN
fsr-3299	26	6	that	that	SCONJ
fsr-3299	26	7	personal	personal	ADJ
fsr-3299	26	8	attitudinal	attitudinal	ADJ
fsr-3299	26	9	biases	bias	NOUN
fsr-3299	26	10	towards	towards	ADP
fsr-3299	26	11	money	money	NOUN
fsr-3299	26	12	,	,	PUNCT
fsr-3299	26	13	risk	risk	NOUN
fsr-3299	26	14	,	,	PUNCT
fsr-3299	26	15	financial	financial	ADJ
fsr-3299	26	16	planning	planning	NOUN
fsr-3299	26	17	,	,	PUNCT
fsr-3299	26	18	and	and	CCONJ
fsr-3299	26	19	borrowing	borrow	VERB
fsr-3299	26	20	as	as	ADV
fsr-3299	26	21	well	well	ADV
fsr-3299	26	22	as	as	ADP
fsr-3299	26	23	certain	certain	ADJ
fsr-3299	26	24	demographic	demographic	ADJ
fsr-3299	26	25	characteristics	characteristic	NOUN
fsr-3299	26	26	influence	influence	NOUN
fsr-3299	26	27	household	household	NOUN
fsr-3299	26	28	’s	’s	PART
fsr-3299	26	29	borrowing	borrowing	NOUN
fsr-3299	26	30	behavior	behavior	NOUN
fsr-3299	26	31	.	.	PUNCT
fsr-3299	27	1	the	the	DET
fsr-3299	27	2	final	final	ADJ
fsr-3299	27	3	article	article	NOUN
fsr-3299	27	4	,	,	PUNCT
fsr-3299	27	5	“	"	PUNCT
fsr-3299	27	6	the	the	DET
fsr-3299	27	7	impact	impact	NOUN
fsr-3299	27	8	of	of	ADP
fsr-3299	27	9	age	age	NOUN
fsr-3299	27	10	differences	difference	NOUN
fsr-3299	27	11	and	and	CCONJ
fsr-3299	27	12	race	race	NOUN
fsr-3299	27	13	on	on	ADP
fsr-3299	27	14	the	the	DET
fsr-3299	27	15	social	social	ADJ
fsr-3299	27	16	security	security	NOUN
fsr-3299	27	17	early	early	ADJ
fsr-3299	27	18	retirement	retirement	NOUN
fsr-3299	27	19	decision	decision	NOUN
fsr-3299	27	20	for	for	ADP
fsr-3299	27	21	married	married	ADJ
fsr-3299	27	22	couples	couple	NOUN
fsr-3299	27	23	:	:	PUNCT
fsr-3299	27	24	an	an	DET
fsr-3299	27	25	extension	extension	NOUN
fsr-3299	27	26	with	with	ADP
fsr-3299	27	27	gender	gender	NOUN
fsr-3299	27	28	role	role	NOUN
fsr-3299	27	29	reversals	reversal	NOUN
fsr-3299	27	30	,	,	PUNCT
fsr-3299	27	31	”	"	PUNCT
fsr-3299	27	32	is	be	AUX
fsr-3299	27	33	coauthored	coauthore	VERB
fsr-3299	27	34	by	by	ADP
fsr-3299	27	35	diane	diane	PROPN
fsr-3299	27	36	scott	scott	PROPN
fsr-3299	27	37	docking	docking	NOUN
fsr-3299	27	38	at	at	ADP
fsr-3299	27	39	northern	northern	ADJ
fsr-3299	27	40	illinois	illinois	PROPN
fsr-3299	27	41	university	university	PROPN
fsr-3299	27	42	,	,	PUNCT
fsr-3299	27	43	rich	rich	ADJ
fsr-3299	27	44	fortin	fortin	PROPN
fsr-3299	27	45	at	at	ADP
fsr-3299	27	46	new	new	PROPN
fsr-3299	27	47	mexico	mexico	PROPN
fsr-3299	27	48	state	state	PROPN
fsr-3299	27	49	university	university	PROPN
fsr-3299	27	50	,	,	PUNCT
fsr-3299	27	51	and	and	CCONJ
fsr-3299	27	52	s.	s.	PROPN
fsr-3299	27	53	e.	e.	PROPN
fsr-3299	27	54	michelson	michelson	PROPN
fsr-3299	27	55	at	at	ADP
fsr-3299	27	56	stetson	stetson	PROPN
fsr-3299	27	57	university	university	PROPN
fsr-3299	27	58	.	.	PUNCT
fsr-3299	28	1	the	the	DET
fsr-3299	28	2	authors	author	NOUN
fsr-3299	28	3	examine	examine	VERB
fsr-3299	28	4	the	the	DET
fsr-3299	28	5	impact	impact	NOUN
fsr-3299	28	6	of	of	ADP
fsr-3299	28	7	age	age	NOUN
fsr-3299	28	8	differences	difference	NOUN
fsr-3299	28	9	on	on	ADP
fsr-3299	28	10	the	the	DET
fsr-3299	28	11	social	social	ADJ
fsr-3299	28	12	security	security	NOUN
fsr-3299	28	13	early	early	ADV
fsr-3299	28	14	and	and	CCONJ
fsr-3299	28	15	delayed	delay	VERB
fsr-3299	28	16	retirement	retirement	NOUN
fsr-3299	28	17	decision	decision	NOUN
fsr-3299	28	18	for	for	ADP
fsr-3299	28	19	married	married	ADJ
fsr-3299	28	20	couples	couple	NOUN
fsr-3299	28	21	.	.	PUNCT
fsr-3299	29	1	they	they	PRON
fsr-3299	29	2	develop	develop	VERB
fsr-3299	29	3	an	an	DET
fsr-3299	29	4	excel	excel	NOUN
fsr-3299	29	5	model	model	NOUN
fsr-3299	29	6	to	to	PART
fsr-3299	29	7	compute	compute	VERB
fsr-3299	29	8	the	the	DET
fsr-3299	29	9	breakeven	breakeven	ADJ
fsr-3299	29	10	internal	internal	ADJ
fsr-3299	29	11	rate	rate	NOUN
fsr-3299	29	12	of	of	ADP
fsr-3299	29	13	return	return	NOUN
fsr-3299	29	14	for	for	ADP
fsr-3299	29	15	each	each	PRON
fsr-3299	29	16	of	of	ADP
fsr-3299	29	17	the	the	DET
fsr-3299	29	18	race	race	NOUN
fsr-3299	29	19	combinations	combination	NOUN
fsr-3299	29	20	.	.	PUNCT
fsr-3299	30	1	they	they	PRON
fsr-3299	30	2	find	find	VERB
fsr-3299	30	3	for	for	ADP
fsr-3299	30	4	couples	couple	NOUN
fsr-3299	30	5	the	the	PRON
fsr-3299	30	6	greater	great	ADJ
fsr-3299	30	7	the	the	DET
fsr-3299	30	8	age	age	NOUN
fsr-3299	30	9	difference	difference	NOUN
fsr-3299	30	10	,	,	PUNCT
fsr-3299	30	11	the	the	PRON
fsr-3299	30	12	greater	great	ADJ
fsr-3299	30	13	the	the	DET
fsr-3299	30	14	incentive	incentive	NOUN
fsr-3299	30	15	to	to	PART
fsr-3299	30	16	retire	retire	VERB
fsr-3299	30	17	early	early	ADV
fsr-3299	30	18	,	,	PUNCT
fsr-3299	30	19	as	as	SCONJ
fsr-3299	30	20	the	the	DET
fsr-3299	30	21	hurdle	hurdle	NOUN
fsr-3299	30	22	rate	rate	NOUN
fsr-3299	30	23	is	be	AUX
fsr-3299	30	24	lower	low	ADJ
fsr-3299	30	25	to	to	PART
fsr-3299	30	26	overcome	overcome	VERB
fsr-3299	30	27	.	.	PUNCT
fsr-3299	31	1	because	because	SCONJ
fsr-3299	31	2	women	woman	NOUN
fsr-3299	31	3	almost	almost	ADV
fsr-3299	31	4	always	always	ADV
fsr-3299	31	5	have	have	VERB
fsr-3299	31	6	higher	high	ADJ
fsr-3299	31	7	be	be	AUX
fsr-3299	31	8	irrs	irrs	NOUN
fsr-3299	31	9	than	than	ADP
fsr-3299	31	10	men	man	NOUN
fsr-3299	31	11	,	,	PUNCT
fsr-3299	31	12	they	they	PRON
fsr-3299	31	13	find	find	VERB
fsr-3299	31	14	that	that	SCONJ
fsr-3299	31	15	in	in	ADP
fsr-3299	31	16	marriages	marriage	NOUN
fsr-3299	31	17	where	where	SCONJ
fsr-3299	31	18	the	the	DET
fsr-3299	31	19	wife	wife	NOUN
fsr-3299	31	20	is	be	AUX
fsr-3299	31	21	the	the	DET
fsr-3299	31	22	breadwinner	breadwinner	NOUN
fsr-3299	31	23	and	and	CCONJ
fsr-3299	31	24	the	the	DET
fsr-3299	31	25	older	old	ADJ
fsr-3299	31	26	partner	partner	NOUN
fsr-3299	31	27	,	,	PUNCT
fsr-3299	31	28	it	it	PRON
fsr-3299	31	29	is	be	AUX
fsr-3299	31	30	more	more	ADV
fsr-3299	31	31	difficult	difficult	ADJ
fsr-3299	31	32	for	for	SCONJ
fsr-3299	31	33	the	the	DET
fsr-3299	31	34	couple	couple	NOUN
fsr-3299	31	35	to	to	PART
fsr-3299	31	36	retire	retire	VERB
fsr-3299	31	37	early	early	ADV
fsr-3299	31	38	,	,	PUNCT
fsr-3299	31	39	as	as	SCONJ
fsr-3299	31	40	compared	compare	VERB
fsr-3299	31	41	to	to	ADP
fsr-3299	31	42	marriages	marriage	NOUN
fsr-3299	31	43	where	where	SCONJ
fsr-3299	31	44	the	the	DET
fsr-3299	31	45	husband	husband	NOUN
fsr-3299	31	46	is	be	AUX
fsr-3299	31	47	the	the	DET
fsr-3299	31	48	breadwinner	breadwinner	NOUN
fsr-3299	31	49	and	and	CCONJ
fsr-3299	31	50	the	the	DET
fsr-3299	31	51	older	old	ADJ
fsr-3299	31	52	partner	partner	NOUN
fsr-3299	31	53	.	.	PUNCT
fsr-3299	32	1	hispanics	hispanic	NOUN
fsr-3299	32	2	have	have	VERB
fsr-3299	32	3	higher	high	ADJ
fsr-3299	32	4	hurdle	hurdle	NOUN
fsr-3299	32	5	rates	rate	NOUN
fsr-3299	32	6	;	;	PUNCT
fsr-3299	32	7	while	while	SCONJ
fsr-3299	32	8	whites	white	NOUN
fsr-3299	32	9	have	have	VERB
fsr-3299	32	10	lower	low	ADJ
fsr-3299	32	11	hurdle	hurdle	NOUN
fsr-3299	32	12	rates	rate	NOUN
fsr-3299	32	13	.	.	PUNCT
fsr-3299	33	1	because	because	SCONJ
fsr-3299	33	2	of	of	ADP
fsr-3299	33	3	the	the	DET
fsr-3299	33	4	difference	difference	NOUN
fsr-3299	33	5	in	in	ADP
fsr-3299	33	6	break	break	NOUN
fsr-3299	33	7	-	-	PUNCT
fsr-3299	33	8	evens	even	NOUN
fsr-3299	33	9	,	,	PUNCT
fsr-3299	33	10	hispanics	hispanic	NOUN
fsr-3299	33	11	have	have	VERB
fsr-3299	33	12	a	a	DET
fsr-3299	33	13	more	more	ADV
fsr-3299	33	14	difficult	difficult	ADJ
fsr-3299	33	15	time	time	NOUN
fsr-3299	33	16	retiring	retire	VERB
fsr-3299	33	17	early	early	ADV
fsr-3299	33	18	,	,	PUNCT
fsr-3299	33	19	while	while	SCONJ
fsr-3299	33	20	whites	white	NOUN
fsr-3299	33	21	have	have	VERB
fsr-3299	33	22	a	a	DET
fsr-3299	33	23	less	less	ADJ
fsr-3299	33	24	difficulty	difficulty	NOUN
fsr-3299	33	25	retiring	retire	VERB
fsr-3299	33	26	early	early	ADV
fsr-3299	33	27	.	.	PUNCT
fsr-3299	34	1	thanks	thank	NOUN
fsr-3299	34	2	to	to	ADP
fsr-3299	34	3	those	those	PRON
fsr-3299	34	4	who	who	PRON
fsr-3299	34	5	make	make	VERB
fsr-3299	34	6	the	the	DET
fsr-3299	34	7	journal	journal	NOUN
fsr-3299	34	8	possible	possible	ADJ
fsr-3299	34	9	,	,	PUNCT
fsr-3299	34	10	especially	especially	ADV
fsr-3299	34	11	the	the	DET
fsr-3299	34	12	referees	referee	NOUN
fsr-3299	34	13	and	and	CCONJ
fsr-3299	34	14	contributing	contribute	VERB
fsr-3299	34	15	authors	author	NOUN
fsr-3299	34	16	.	.	PUNCT
fsr-3299	35	1	over	over	ADP
fsr-3299	35	2	the	the	DET
fsr-3299	35	3	past	past	ADJ
fsr-3299	35	4	year	year	NOUN
fsr-3299	35	5	,	,	PUNCT
fsr-3299	35	6	the	the	DET
fsr-3299	35	7	following	follow	VERB
fsr-3299	35	8	reviewers	reviewer	NOUN
fsr-3299	35	9	provided	provide	VERB
fsr-3299	35	10	excellent	excellent	ADJ
fsr-3299	35	11	reviews	review	NOUN
fsr-3299	35	12	of	of	ADP
fsr-3299	35	13	the	the	DET
fsr-3299	35	14	articles	article	NOUN
fsr-3299	35	15	you	you	PRON
fsr-3299	35	16	enjoyed	enjoy	VERB
fsr-3299	35	17	within	within	ADP
fsr-3299	35	18	the	the	DET
fsr-3299	35	19	pages	page	NOUN
fsr-3299	35	20	of	of	ADP
fsr-3299	35	21	financial	financial	ADJ
fsr-3299	35	22	services	service	NOUN
fsr-3299	35	23	review	review	NOUN
fsr-3299	35	24	.	.	PUNCT
fsr-3299	36	1	i	i	PRON
fsr-3299	36	2	would	would	AUX
fsr-3299	36	3	like	like	VERB
fsr-3299	36	4	to	to	PART
fsr-3299	36	5	send	send	VERB
fsr-3299	36	6	a	a	DET
fsr-3299	36	7	special	special	ADJ
fsr-3299	36	8	thank	thank	NOUN
fsr-3299	36	9	you	you	PRON
fsr-3299	36	10	to	to	ADP
fsr-3299	36	11	the	the	DET
fsr-3299	36	12	many	many	ADJ
fsr-3299	36	13	reviewers	reviewer	NOUN
fsr-3299	36	14	that	that	PRON
fsr-3299	36	15	have	have	AUX
fsr-3299	36	16	significantly	significantly	ADV
fsr-3299	36	17	contributed	contribute	VERB
fsr-3299	36	18	to	to	ADP
fsr-3299	36	19	the	the	DET
fsr-3299	36	20	quality	quality	NOUN
fsr-3299	36	21	of	of	ADP
fsr-3299	36	22	our	our	PRON
fsr-3299	36	23	journal	journal	NOUN
fsr-3299	36	24	by	by	ADP
fsr-3299	36	25	providing	provide	VERB
fsr-3299	36	26	timely	timely	ADJ
fsr-3299	36	27	and	and	CCONJ
fsr-3299	36	28	thorough	thorough	ADJ
fsr-3299	36	29	reviews	review	NOUN
fsr-3299	36	30	of	of	ADP
fsr-3299	36	31	the	the	DET
fsr-3299	36	32	submissions	submission	NOUN
fsr-3299	36	33	to	to	ADP
fsr-3299	36	34	our	our	PRON
fsr-3299	36	35	journal	journal	NOUN
fsr-3299	36	36	.	.	PUNCT
fsr-3299	37	1	please	please	INTJ
fsr-3299	37	2	consider	consider	VERB
fsr-3299	37	3	submission	submission	NOUN
fsr-3299	37	4	to	to	ADP
fsr-3299	37	5	the	the	DET
fsr-3299	37	6	financial	financial	ADJ
fsr-3299	37	7	services	service	NOUN
fsr-3299	37	8	review	review	NOUN
fsr-3299	37	9	and	and	CCONJ
fsr-3299	37	10	rely	rely	VERB
fsr-3299	37	11	on	on	ADP
fsr-3299	37	12	the	the	DET
fsr-3299	37	13	style	style	NOUN
fsr-3299	37	14	information	information	NOUN
fsr-3299	37	15	provided	provide	VERB
fsr-3299	37	16	to	to	PART
fsr-3299	37	17	ease	ease	VERB
fsr-3299	37	18	readability	readability	NOUN
fsr-3299	37	19	and	and	CCONJ
fsr-3299	37	20	streamline	streamline	VERB
fsr-3299	37	21	the	the	DET
fsr-3299	37	22	review	review	NOUN
fsr-3299	37	23	process	process	NOUN
fsr-3299	37	24	.	.	PUNCT
fsr-3299	38	1	the	the	DET
fsr-3299	38	2	journal	journal	NOUN
fsr-3299	38	3	welcomes	welcome	VERB
fsr-3299	38	4	articles	article	NOUN
fsr-3299	38	5	over	over	ADP
fsr-3299	38	6	the	the	DET
fsr-3299	38	7	range	range	NOUN
fsr-3299	38	8	of	of	ADP
fsr-3299	38	9	areas	area	NOUN
fsr-3299	38	10	that	that	PRON
fsr-3299	38	11	comprise	comprise	VERB
fsr-3299	38	12	personal	personal	ADJ
fsr-3299	38	13	financial	financial	ADJ
fsr-3299	38	14	planning	planning	NOUN
fsr-3299	38	15	.	.	PUNCT
fsr-3299	39	1	while	while	SCONJ
fsr-3299	39	2	fsr	fsr	PROPN
fsr-3299	39	3	articles	article	NOUN
fsr-3299	39	4	are	be	AUX
fsr-3299	39	5	certainly	certainly	ADV
fsr-3299	39	6	diverse	diverse	ADJ
fsr-3299	39	7	in	in	ADP
fsr-3299	39	8	terms	term	NOUN
fsr-3299	39	9	of	of	ADP
fsr-3299	39	10	topic	topic	NOUN
fsr-3299	39	11	,	,	PUNCT
fsr-3299	39	12	data	datum	NOUN
fsr-3299	39	13	,	,	PUNCT
fsr-3299	39	14	and	and	CCONJ
fsr-3299	39	15	method	method	NOUN
fsr-3299	39	16	,	,	PUNCT
fsr-3299	39	17	they	they	PRON
fsr-3299	39	18	are	be	AUX
fsr-3299	39	19	focused	focus	VERB
fsr-3299	39	20	in	in	ADP
fsr-3299	39	21	terms	term	NOUN
fsr-3299	39	22	of	of	ADP
fsr-3299	39	23	motivation	motivation	NOUN
fsr-3299	39	24	.	.	PUNCT
fsr-3299	40	1	fsr	fsr	PROPN
fsr-3299	40	2	exists	exist	VERB
fsr-3299	40	3	to	to	PART
fsr-3299	40	4	produce	produce	VERB
fsr-3299	40	5	research	research	NOUN
fsr-3299	40	6	that	that	PRON
fsr-3299	40	7	addresses	address	VERB
fsr-3299	40	8	issues	issue	NOUN
fsr-3299	40	9	that	that	PRON
fsr-3299	40	10	matter	matter	VERB
fsr-3299	40	11	to	to	ADP
fsr-3299	40	12	individuals	individual	NOUN
fsr-3299	40	13	.	.	PUNCT
fsr-3299	41	1	i	i	PRON
fsr-3299	41	2	remain	remain	VERB
fsr-3299	41	3	committed	committed	ADJ
fsr-3299	41	4	to	to	ADP
fsr-3299	41	5	the	the	DET
fsr-3299	41	6	goal	goal	NOUN
fsr-3299	41	7	of	of	ADP
fsr-3299	41	8	making	make	VERB
fsr-3299	41	9	financial	financial	ADJ
fsr-3299	41	10	services	service	NOUN
fsr-3299	41	11	review	review	VERB
fsr-3299	41	12	the	the	DET
fsr-3299	41	13	best	good	ADJ
fsr-3299	41	14	academic	academic	ADJ
fsr-3299	41	15	journal	journal	NOUN
fsr-3299	41	16	in	in	ADP
fsr-3299	41	17	individual	individual	ADJ
fsr-3299	41	18	financial	financial	ADJ
fsr-3299	41	19	management	management	NOUN
fsr-3299	41	20	and	and	CCONJ
fsr-3299	41	21	personal	personal	ADJ
fsr-3299	41	22	financial	financial	ADJ
fsr-3299	41	23	planning	planning	NOUN
fsr-3299	41	24	.	.	PUNCT
fsr-3299	42	1	best	good	ADJ
fsr-3299	42	2	regards	regard	VERB
fsr-3299	42	3	,	,	PUNCT
fsr-3299	42	4	stuart	stuart	PROPN
fsr-3299	42	5	michelson	michelson	PROPN
fsr-3299	42	6	editor	editor	PROPN
fsr-3299	42	7	financial	financial	PROPN
fsr-3299	42	8	services	services	PROPN
fsr-3299	42	9	review	review	VERB
fsr-3299	42	10	vi	vi	PROPN
fsr-3299	42	11	editorial	editorial	NOUN
fsr-3299	42	12	/	/	SYM
fsr-3299	42	13	financial	financial	ADJ
fsr-3299	42	14	services	service	NOUN
fsr-3299	42	15	review	review	VERB
fsr-3299	42	16	26	26	NUM
fsr-3299	42	17	(	(	PUNCT
fsr-3299	42	18	2017	2017	NUM
fsr-3299	42	19	)	)	PUNCT
fsr-3299	42	20	v	v	NOUN
fsr-3299	42	21	–	–	PUNCT
fsr-3299	42	22	vi	vi	NOUN