id	sid	tid	token	lemma	pos
fsr-3305	1	1	the	the	DET
fsr-3305	1	2	financial	financial	ADJ
fsr-3305	1	3	literacy	literacy	NOUN
fsr-3305	1	4	of	of	ADP
fsr-3305	1	5	generation	generation	NOUN
fsr-3305	1	6	y	y	PROPN
fsr-3305	1	7	and	and	CCONJ
fsr-3305	1	8	the	the	DET
fsr-3305	1	9	influence	influence	NOUN
fsr-3305	1	10	that	that	PRON
fsr-3305	1	11	personality	personality	NOUN
fsr-3305	1	12	traits	trait	NOUN
fsr-3305	1	13	have	have	VERB
fsr-3305	1	14	on	on	ADP
fsr-3305	1	15	financial	financial	ADJ
fsr-3305	1	16	knowledge	knowledge	NOUN
fsr-3305	1	17	:	:	PUNCT
fsr-3305	1	18	evidence	evidence	NOUN
fsr-3305	1	19	from	from	ADP
fsr-3305	1	20	canada	canada	PROPN
fsr-3305	1	21	robert	robert	PROPN
fsr-3305	1	22	n.	n.	PROPN
fsr-3305	1	23	killinsa	killinsa	PROPN
fsr-3305	1	24	,	,	PUNCT
fsr-3305	1	25	*	*	PUNCT
fsr-3305	1	26	aschool	aschool	NOUN
fsr-3305	1	27	of	of	ADP
fsr-3305	1	28	accounting	accounting	NOUN
fsr-3305	1	29	and	and	CCONJ
fsr-3305	1	30	financial	financial	ADJ
fsr-3305	1	31	services	service	NOUN
fsr-3305	1	32	,	,	PUNCT
fsr-3305	1	33	seneca	seneca	PROPN
fsr-3305	1	34	college	college	NOUN
fsr-3305	1	35	,	,	PUNCT
fsr-3305	1	36	1750	1750	NUM
fsr-3305	1	37	finch	finch	PROPN
fsr-3305	1	38	avenue	avenue	PROPN
fsr-3305	1	39	e.	e.	PROPN
fsr-3305	1	40	,	,	PUNCT
fsr-3305	1	41	toronto	toronto	PROPN
fsr-3305	1	42	,	,	PUNCT
fsr-3305	1	43	ontario	ontario	PROPN
fsr-3305	1	44	m2j	m2j	PROPN
fsr-3305	1	45	2x5	2x5	NUM
fsr-3305	1	46	canada	canada	PROPN
fsr-3305	1	47	abstract	abstract	ADV
fsr-3305	1	48	this	this	DET
fsr-3305	1	49	article	article	NOUN
fsr-3305	1	50	examines	examine	VERB
fsr-3305	1	51	the	the	DET
fsr-3305	1	52	financial	financial	ADJ
fsr-3305	1	53	literacy	literacy	NOUN
fsr-3305	1	54	of	of	ADP
fsr-3305	1	55	the	the	DET
fsr-3305	1	56	generation	generation	NOUN
fsr-3305	1	57	y	y	PROPN
fsr-3305	1	58	age	age	NOUN
fsr-3305	1	59	cohort	cohort	NOUN
fsr-3305	1	60	and	and	CCONJ
fsr-3305	1	61	explores	explore	VERB
fsr-3305	1	62	how	how	SCONJ
fsr-3305	1	63	personality	personality	NOUN
fsr-3305	1	64	traits	trait	VERB
fsr-3305	1	65	influence	influence	NOUN
fsr-3305	1	66	individual	individual	NOUN
fsr-3305	1	67	’s	’s	PART
fsr-3305	1	68	financial	financial	ADJ
fsr-3305	1	69	knowledge	knowledge	NOUN
fsr-3305	1	70	.	.	PUNCT
fsr-3305	2	1	using	use	VERB
fsr-3305	2	2	a	a	DET
fsr-3305	2	3	detailed	detailed	ADJ
fsr-3305	2	4	financial	financial	ADJ
fsr-3305	2	5	literacy	literacy	NOUN
fsr-3305	2	6	survey	survey	NOUN
fsr-3305	2	7	,	,	PUNCT
fsr-3305	2	8	multiple	multiple	ADJ
fsr-3305	2	9	areas	area	NOUN
fsr-3305	2	10	of	of	ADP
fsr-3305	2	11	financial	financial	ADJ
fsr-3305	2	12	literacy	literacy	NOUN
fsr-3305	2	13	are	be	AUX
fsr-3305	2	14	measured	measure	VERB
fsr-3305	2	15	(	(	PUNCT
fsr-3305	2	16	investments	investment	NOUN
fsr-3305	2	17	,	,	PUNCT
fsr-3305	2	18	budgeting	budgeting	NOUN
fsr-3305	2	19	,	,	PUNCT
fsr-3305	2	20	economics	economic	NOUN
fsr-3305	2	21	,	,	PUNCT
fsr-3305	2	22	risk	risk	NOUN
fsr-3305	2	23	management	management	NOUN
fsr-3305	2	24	,	,	PUNCT
fsr-3305	2	25	and	and	CCONJ
fsr-3305	2	26	retirement	retirement	NOUN
fsr-3305	2	27	planning	planning	NOUN
fsr-3305	2	28	)	)	PUNCT
fsr-3305	2	29	along	along	ADP
fsr-3305	2	30	with	with	ADP
fsr-3305	2	31	the	the	DET
fsr-3305	2	32	well	well	ADV
fsr-3305	2	33	-	-	PUNCT
fsr-3305	2	34	known	know	VERB
fsr-3305	2	35	big	big	ADJ
fsr-3305	2	36	five	five	NUM
fsr-3305	2	37	personality	personality	NOUN
fsr-3305	2	38	traits	trait	NOUN
fsr-3305	2	39	.	.	PUNCT
fsr-3305	3	1	the	the	DET
fsr-3305	3	2	findings	finding	NOUN
fsr-3305	3	3	of	of	ADP
fsr-3305	3	4	this	this	DET
fsr-3305	3	5	article	article	NOUN
fsr-3305	3	6	suggest	suggest	VERB
fsr-3305	3	7	that	that	SCONJ
fsr-3305	3	8	the	the	DET
fsr-3305	3	9	generation	generation	NOUN
fsr-3305	3	10	y	y	PROPN
fsr-3305	3	11	cohort	cohort	NOUN
fsr-3305	3	12	is	be	AUX
fsr-3305	3	13	more	more	ADV
fsr-3305	3	14	knowledgeable	knowledgeable	ADJ
fsr-3305	3	15	in	in	ADP
fsr-3305	3	16	budgeting	budgeting	NOUN
fsr-3305	3	17	and	and	CCONJ
fsr-3305	3	18	risk	risk	NOUN
fsr-3305	3	19	management	management	NOUN
fsr-3305	3	20	segments	segment	NOUN
fsr-3305	3	21	of	of	ADP
fsr-3305	3	22	financial	financial	ADJ
fsr-3305	3	23	literacy	literacy	NOUN
fsr-3305	3	24	but	but	CCONJ
fsr-3305	3	25	lack	lack	VERB
fsr-3305	3	26	knowledge	knowledge	NOUN
fsr-3305	3	27	in	in	ADP
fsr-3305	3	28	retirement	retirement	NOUN
fsr-3305	3	29	planning	planning	NOUN
fsr-3305	3	30	.	.	PUNCT
fsr-3305	4	1	secondly	secondly	ADV
fsr-3305	4	2	,	,	PUNCT
fsr-3305	4	3	extraversion	extraversion	NOUN
fsr-3305	4	4	and	and	CCONJ
fsr-3305	4	5	conscientiousness	conscientiousness	NOUN
fsr-3305	4	6	are	be	AUX
fsr-3305	4	7	both	both	PRON
fsr-3305	4	8	important	important	ADJ
fsr-3305	4	9	personality	personality	NOUN
fsr-3305	4	10	traits	trait	NOUN
fsr-3305	4	11	when	when	SCONJ
fsr-3305	4	12	regressed	regress	VERB
fsr-3305	4	13	on	on	ADP
fsr-3305	4	14	individuals	individual	NOUN
fsr-3305	4	15	overall	overall	ADJ
fsr-3305	4	16	financial	financial	ADJ
fsr-3305	4	17	literacy	literacy	NOUN
fsr-3305	4	18	levels	level	NOUN
fsr-3305	4	19	.	.	PUNCT
fsr-3305	5	1	these	these	DET
fsr-3305	5	2	finding	find	VERB
fsr-3305	5	3	help	help	NOUN
fsr-3305	5	4	develop	develop	VERB
fsr-3305	5	5	the	the	DET
fsr-3305	5	6	insights	insight	NOUN
fsr-3305	5	7	into	into	ADP
fsr-3305	5	8	how	how	SCONJ
fsr-3305	5	9	behavioral	behavioral	ADJ
fsr-3305	5	10	and	and	CCONJ
fsr-3305	5	11	personality	personality	NOUN
fsr-3305	5	12	traits	trait	NOUN
fsr-3305	5	13	influence	influence	VERB
fsr-3305	5	14	the	the	DET
fsr-3305	5	15	cognitive	cognitive	ADJ
fsr-3305	5	16	and	and	CCONJ
fsr-3305	5	17	financial	financial	ADJ
fsr-3305	5	18	decision	decision	NOUN
fsr-3305	5	19	-	-	PUNCT
fsr-3305	5	20	making	make	VERB
fsr-3305	5	21	ability	ability	NOUN
fsr-3305	5	22	of	of	ADP
fsr-3305	5	23	individuals	individual	NOUN
fsr-3305	5	24	.	.	PUNCT
fsr-3305	6	1	©	©	PROPN
fsr-3305	6	2	2017	2017	NUM
fsr-3305	6	3	academy	academy	NOUN
fsr-3305	6	4	of	of	ADP
fsr-3305	6	5	financial	financial	ADJ
fsr-3305	6	6	services	service	NOUN
fsr-3305	6	7	.	.	PUNCT
fsr-3305	7	1	all	all	DET
fsr-3305	7	2	rights	right	NOUN
fsr-3305	7	3	reserved	reserve	VERB
fsr-3305	7	4	.	.	PUNCT
fsr-3305	8	1	jel	jel	PROPN
fsr-3305	8	2	classification	classification	PROPN
fsr-3305	8	3	:	:	PUNCT
fsr-3305	8	4	a20	a20	PROPN
fsr-3305	8	5	;	;	PUNCT
fsr-3305	8	6	i20	i20	NOUN
fsr-3305	8	7	;	;	PUNCT
fsr-3305	8	8	d04	d04	NOUN
fsr-3305	8	9	keywords	keyword	NOUN
fsr-3305	8	10	:	:	PUNCT
fsr-3305	8	11	financial	financial	ADJ
fsr-3305	8	12	literacy	literacy	NOUN
fsr-3305	8	13	;	;	PUNCT
fsr-3305	8	14	behavioral	behavioral	ADJ
fsr-3305	8	15	finance	finance	NOUN
fsr-3305	8	16	;	;	PUNCT
fsr-3305	8	17	personality	personality	NOUN
fsr-3305	8	18	;	;	PUNCT
fsr-3305	8	19	generation	generation	NOUN
fsr-3305	8	20	y	y	PROPN
fsr-3305	8	21	1	1	NUM
fsr-3305	8	22	.	.	PUNCT
fsr-3305	9	1	introduction	introduction	NOUN
fsr-3305	9	2	individuals	individual	NOUN
fsr-3305	9	3	around	around	ADP
fsr-3305	9	4	the	the	DET
fsr-3305	9	5	globe	globe	NOUN
fsr-3305	9	6	are	be	AUX
fsr-3305	9	7	confronted	confront	VERB
fsr-3305	9	8	with	with	ADP
fsr-3305	9	9	financial	financial	ADJ
fsr-3305	9	10	decisions	decision	NOUN
fsr-3305	9	11	on	on	ADP
fsr-3305	9	12	a	a	DET
fsr-3305	9	13	daily	daily	ADJ
fsr-3305	9	14	basis	basis	NOUN
fsr-3305	9	15	.	.	PUNCT
fsr-3305	10	1	with	with	ADP
fsr-3305	10	2	the	the	DET
fsr-3305	10	3	evolving	evolve	VERB
fsr-3305	10	4	information	information	NOUN
fsr-3305	10	5	technology	technology	NOUN
fsr-3305	10	6	landscape	landscape	NOUN
fsr-3305	10	7	,	,	PUNCT
fsr-3305	10	8	financial	financial	ADJ
fsr-3305	10	9	information	information	NOUN
fsr-3305	10	10	is	be	AUX
fsr-3305	10	11	more	more	ADV
fsr-3305	10	12	abundant	abundant	ADJ
fsr-3305	10	13	than	than	ADP
fsr-3305	10	14	ever	ever	ADV
fsr-3305	10	15	before	before	ADV
fsr-3305	10	16	.	.	PUNCT
fsr-3305	11	1	following	follow	VERB
fsr-3305	11	2	conventional	conventional	ADJ
fsr-3305	11	3	economic	economic	ADJ
fsr-3305	11	4	theory	theory	NOUN
fsr-3305	11	5	,	,	PUNCT
fsr-3305	11	6	one	one	PRON
fsr-3305	11	7	would	would	AUX
fsr-3305	11	8	conclude	conclude	VERB
fsr-3305	11	9	that	that	SCONJ
fsr-3305	11	10	with	with	ADP
fsr-3305	11	11	all	all	DET
fsr-3305	11	12	this	this	DET
fsr-3305	11	13	*	*	PUNCT
fsr-3305	11	14	corresponding	correspond	VERB
fsr-3305	11	15	author	author	NOUN
fsr-3305	11	16	.	.	PUNCT
fsr-3305	12	1	tel	tel	PROPN
fsr-3305	12	2	.	.	PUNCT
fsr-3305	12	3	:	:	PUNCT
fsr-3305	13	1	�	�	PROPN
fsr-3305	13	2	1	1	NUM
fsr-3305	13	3	-	-	SYM
fsr-3305	13	4	416	416	NUM
fsr-3305	13	5	-	-	PUNCT
fsr-3305	13	6	491	491	NUM
fsr-3305	13	7	-	-	NUM
fsr-3305	13	8	5050	5050	NUM
fsr-3305	13	9	ext	ext	NOUN
fsr-3305	13	10	.	.	PROPN
fsr-3305	13	11	22671	22671	NUM
fsr-3305	13	12	;	;	PUNCT
fsr-3305	13	13	fax	fax	NOUN
fsr-3305	13	14	:	:	PUNCT
fsr-3305	13	15	�	�	PROPN
fsr-3305	13	16	1	1	NUM
fsr-3305	13	17	-	-	SYM
fsr-3305	13	18	416	416	NUM
fsr-3305	13	19	-	-	PUNCT
fsr-3305	13	20	493	493	NUM
fsr-3305	13	21	-	-	PUNCT
fsr-3305	13	22	0210	0210	NUM
fsr-3305	13	23	.	.	PUNCT
fsr-3305	14	1	e	e	X
fsr-3305	14	2	-	-	NOUN
fsr-3305	14	3	mail	mail	NOUN
fsr-3305	14	4	address	address	NOUN
fsr-3305	14	5	:	:	PUNCT
fsr-3305	14	6	robert.killins@senecacollege.ca	robert.killins@senecacollege.ca	VERB
fsr-3305	14	7	financial	financial	ADJ
fsr-3305	14	8	services	service	NOUN
fsr-3305	14	9	review	review	VERB
fsr-3305	14	10	26	26	NUM
fsr-3305	14	11	(	(	PUNCT
fsr-3305	14	12	2017	2017	NUM
fsr-3305	14	13	)	)	PUNCT
fsr-3305	14	14	143–165	143–165	NUM
fsr-3305	14	15	1057	1057	NUM
fsr-3305	14	16	-	-	SYM
fsr-3305	14	17	0810/17/$	0810/17/$	NUM
fsr-3305	14	18	–	–	PUNCT
fsr-3305	14	19	see	see	VERB
fsr-3305	14	20	front	front	ADJ
fsr-3305	14	21	matter	matter	NOUN
fsr-3305	14	22	©	©	PROPN
fsr-3305	14	23	2017	2017	NUM
fsr-3305	14	24	academy	academy	NOUN
fsr-3305	14	25	of	of	ADP
fsr-3305	14	26	financial	financial	ADJ
fsr-3305	14	27	services	service	NOUN
fsr-3305	14	28	.	.	PUNCT
fsr-3305	15	1	all	all	DET
fsr-3305	15	2	rights	right	NOUN
fsr-3305	15	3	reserved	reserve	VERB
fsr-3305	15	4	.	.	PUNCT
fsr-3305	16	1	readily	readily	ADV
fsr-3305	16	2	available	available	ADJ
fsr-3305	16	3	information	information	NOUN
fsr-3305	16	4	,	,	PUNCT
fsr-3305	16	5	individuals	individual	NOUN
fsr-3305	16	6	should	should	AUX
fsr-3305	16	7	be	be	AUX
fsr-3305	16	8	able	able	ADJ
fsr-3305	16	9	to	to	PART
fsr-3305	16	10	make	make	VERB
fsr-3305	16	11	better	well	ADJ
fsr-3305	16	12	financial	financial	ADJ
fsr-3305	16	13	decisions	decision	NOUN
fsr-3305	16	14	.	.	PUNCT
fsr-3305	17	1	however	however	ADV
fsr-3305	17	2	,	,	PUNCT
fsr-3305	17	3	to	to	PART
fsr-3305	17	4	make	make	VERB
fsr-3305	17	5	better	well	ADJ
fsr-3305	17	6	decisions	decision	NOUN
fsr-3305	17	7	,	,	PUNCT
fsr-3305	17	8	individuals	individual	NOUN
fsr-3305	17	9	need	need	VERB
fsr-3305	17	10	to	to	PART
fsr-3305	17	11	know	know	VERB
fsr-3305	17	12	how	how	SCONJ
fsr-3305	17	13	to	to	PART
fsr-3305	17	14	interpret	interpret	VERB
fsr-3305	17	15	and	and	CCONJ
fsr-3305	17	16	use	use	VERB
fsr-3305	17	17	this	this	DET
fsr-3305	17	18	information	information	NOUN
fsr-3305	17	19	effectively	effectively	ADV
fsr-3305	17	20	.	.	PUNCT
fsr-3305	18	1	further	far	ADV
fsr-3305	18	2	,	,	PUNCT
fsr-3305	18	3	even	even	ADV
fsr-3305	18	4	with	with	ADP
fsr-3305	18	5	the	the	DET
fsr-3305	18	6	ability	ability	NOUN
fsr-3305	18	7	to	to	PART
fsr-3305	18	8	understand	understand	VERB
fsr-3305	18	9	and	and	CCONJ
fsr-3305	18	10	effectively	effectively	ADV
fsr-3305	18	11	apply	apply	VERB
fsr-3305	18	12	the	the	DET
fsr-3305	18	13	abundant	abundant	ADJ
fsr-3305	18	14	amount	amount	NOUN
fsr-3305	18	15	of	of	ADP
fsr-3305	18	16	financial	financial	ADJ
fsr-3305	18	17	information	information	NOUN
fsr-3305	18	18	,	,	PUNCT
fsr-3305	18	19	society	society	NOUN
fsr-3305	18	20	is	be	AUX
fsr-3305	18	21	faced	face	VERB
fsr-3305	18	22	with	with	ADP
fsr-3305	18	23	several	several	ADJ
fsr-3305	18	24	more	more	ADJ
fsr-3305	18	25	choices	choice	NOUN
fsr-3305	18	26	of	of	ADP
fsr-3305	18	27	financial	financial	ADJ
fsr-3305	18	28	products	product	NOUN
fsr-3305	18	29	and	and	CCONJ
fsr-3305	18	30	services	service	NOUN
fsr-3305	18	31	.	.	PUNCT
fsr-3305	19	1	these	these	DET
fsr-3305	19	2	changes	change	NOUN
fsr-3305	19	3	in	in	ADP
fsr-3305	19	4	the	the	DET
fsr-3305	19	5	financial	financial	ADJ
fsr-3305	19	6	services	service	NOUN
fsr-3305	19	7	industry	industry	NOUN
fsr-3305	19	8	may	may	AUX
fsr-3305	19	9	lead	lead	VERB
fsr-3305	19	10	to	to	ADP
fsr-3305	19	11	what	what	PRON
fsr-3305	19	12	is	be	AUX
fsr-3305	19	13	known	know	VERB
fsr-3305	19	14	as	as	ADP
fsr-3305	19	15	the	the	DET
fsr-3305	19	16	“	"	PUNCT
fsr-3305	19	17	paradox	paradox	NOUN
fsr-3305	19	18	of	of	ADP
fsr-3305	19	19	choice	choice	NOUN
fsr-3305	19	20	.	.	PUNCT
fsr-3305	19	21	”	"	PUNCT
fsr-3305	20	1	as	as	SCONJ
fsr-3305	20	2	schwartz	schwartz	PROPN
fsr-3305	20	3	(	(	PUNCT
fsr-3305	20	4	2004	2004	NUM
fsr-3305	20	5	)	)	PUNCT
fsr-3305	20	6	suggests	suggest	VERB
fsr-3305	20	7	,	,	PUNCT
fsr-3305	20	8	the	the	DET
fsr-3305	20	9	fact	fact	NOUN
fsr-3305	20	10	that	that	SCONJ
fsr-3305	20	11	some	some	DET
fsr-3305	20	12	choice	choice	NOUN
fsr-3305	20	13	is	be	AUX
fsr-3305	20	14	good	good	ADJ
fsr-3305	20	15	does	do	AUX
fsr-3305	20	16	not	not	PART
fsr-3305	20	17	necessarily	necessarily	ADV
fsr-3305	20	18	mean	mean	VERB
fsr-3305	20	19	that	that	SCONJ
fsr-3305	20	20	more	more	ADJ
fsr-3305	20	21	choice	choice	NOUN
fsr-3305	20	22	is	be	AUX
fsr-3305	20	23	better	well	ADJ
fsr-3305	20	24	.	.	PUNCT
fsr-3305	21	1	the	the	DET
fsr-3305	21	2	financial	financial	ADJ
fsr-3305	21	3	literacy	literacy	NOUN
fsr-3305	21	4	of	of	ADP
fsr-3305	21	5	individuals	individual	NOUN
fsr-3305	21	6	has	have	AUX
fsr-3305	21	7	been	be	AUX
fsr-3305	21	8	assessed	assess	VERB
fsr-3305	21	9	in	in	ADP
fsr-3305	21	10	many	many	ADJ
fsr-3305	21	11	countries	country	NOUN
fsr-3305	21	12	,	,	PUNCT
fsr-3305	21	13	and	and	CCONJ
fsr-3305	21	14	the	the	DET
fsr-3305	21	15	consensus	consensus	NOUN
fsr-3305	21	16	is	be	AUX
fsr-3305	21	17	that	that	SCONJ
fsr-3305	21	18	people	people	NOUN
fsr-3305	21	19	lack	lack	VERB
fsr-3305	21	20	the	the	DET
fsr-3305	21	21	financial	financial	ADJ
fsr-3305	21	22	knowledge	knowledge	NOUN
fsr-3305	21	23	to	to	PART
fsr-3305	21	24	make	make	VERB
fsr-3305	21	25	use	use	NOUN
fsr-3305	21	26	of	of	ADP
fsr-3305	21	27	the	the	DET
fsr-3305	21	28	new	new	ADJ
fsr-3305	21	29	information	information	NOUN
fsr-3305	21	30	that	that	PRON
fsr-3305	21	31	is	be	AUX
fsr-3305	21	32	provided	provide	VERB
fsr-3305	21	33	to	to	ADP
fsr-3305	21	34	them	they	PRON
fsr-3305	21	35	in	in	ADP
fsr-3305	21	36	the	the	DET
fsr-3305	21	37	new	new	ADJ
fsr-3305	21	38	age	age	NOUN
fsr-3305	21	39	of	of	ADP
fsr-3305	21	40	information	information	NOUN
fsr-3305	21	41	sharing	sharing	NOUN
fsr-3305	21	42	.	.	PUNCT
fsr-3305	22	1	the	the	DET
fsr-3305	22	2	recent	recent	ADJ
fsr-3305	22	3	financial	financial	ADJ
fsr-3305	22	4	product	product	NOUN
fsr-3305	22	5	developments	development	NOUN
fsr-3305	22	6	now	now	ADV
fsr-3305	22	7	make	make	VERB
fsr-3305	22	8	it	it	PRON
fsr-3305	22	9	even	even	ADV
fsr-3305	22	10	more	more	ADV
fsr-3305	22	11	important	important	ADJ
fsr-3305	22	12	for	for	SCONJ
fsr-3305	22	13	individuals	individual	NOUN
fsr-3305	22	14	to	to	PART
fsr-3305	22	15	understand	understand	VERB
fsr-3305	22	16	the	the	DET
fsr-3305	22	17	financial	financial	ADJ
fsr-3305	22	18	decisions	decision	NOUN
fsr-3305	22	19	they	they	PRON
fsr-3305	22	20	are	be	AUX
fsr-3305	22	21	making	make	VERB
fsr-3305	22	22	as	as	SCONJ
fsr-3305	22	23	the	the	DET
fsr-3305	22	24	“	"	PUNCT
fsr-3305	22	25	human	human	ADJ
fsr-3305	22	26	touch	touch	NOUN
fsr-3305	22	27	”	"	PUNCT
fsr-3305	22	28	of	of	ADP
fsr-3305	22	29	traditional	traditional	ADJ
fsr-3305	22	30	banking	banking	NOUN
fsr-3305	22	31	services	service	NOUN
fsr-3305	22	32	are	be	AUX
fsr-3305	22	33	now	now	ADV
fsr-3305	22	34	being	be	AUX
fsr-3305	22	35	transitioned	transition	VERB
fsr-3305	22	36	to	to	ADP
fsr-3305	22	37	internet	internet	NOUN
fsr-3305	22	38	-	-	PUNCT
fsr-3305	22	39	based	base	VERB
fsr-3305	22	40	platforms	platform	NOUN
fsr-3305	22	41	and	and	CCONJ
fsr-3305	22	42	algorithms	algorithm	NOUN
fsr-3305	22	43	.	.	PUNCT
fsr-3305	23	1	many	many	ADJ
fsr-3305	23	2	of	of	ADP
fsr-3305	23	3	these	these	DET
fsr-3305	23	4	new	new	ADJ
fsr-3305	23	5	“	"	PUNCT
fsr-3305	23	6	fintech	fintech	NOUN
fsr-3305	23	7	”	"	PUNCT
fsr-3305	23	8	products	product	NOUN
fsr-3305	23	9	are	be	AUX
fsr-3305	23	10	adopted	adopt	VERB
fsr-3305	23	11	by	by	ADP
fsr-3305	23	12	the	the	DET
fsr-3305	23	13	generation	generation	NOUN
fsr-3305	23	14	y	y	PROPN
fsr-3305	23	15	age	age	NOUN
fsr-3305	23	16	cohort	cohort	NOUN
fsr-3305	23	17	,	,	PUNCT
fsr-3305	23	18	which	which	PRON
fsr-3305	23	19	in	in	ADP
fsr-3305	23	20	previous	previous	ADJ
fsr-3305	23	21	financial	financial	ADJ
fsr-3305	23	22	literacy	literacy	NOUN
fsr-3305	23	23	research	research	NOUN
fsr-3305	23	24	has	have	AUX
fsr-3305	23	25	been	be	AUX
fsr-3305	23	26	shown	show	VERB
fsr-3305	23	27	to	to	PART
fsr-3305	23	28	exhibit	exhibit	VERB
fsr-3305	23	29	low	low	ADJ
fsr-3305	23	30	levels	level	NOUN
fsr-3305	23	31	of	of	ADP
fsr-3305	23	32	financial	financial	ADJ
fsr-3305	23	33	literacy	literacy	NOUN
fsr-3305	23	34	.	.	PUNCT
fsr-3305	24	1	this	this	DET
fsr-3305	24	2	generation	generation	NOUN
fsr-3305	24	3	has	have	VERB
fsr-3305	24	4	to	to	PART
fsr-3305	24	5	make	make	VERB
fsr-3305	24	6	critical	critical	ADJ
fsr-3305	24	7	financial	financial	ADJ
fsr-3305	24	8	decisions	decision	NOUN
fsr-3305	24	9	early	early	ADV
fsr-3305	24	10	in	in	ADP
fsr-3305	24	11	life	life	NOUN
fsr-3305	24	12	,	,	PUNCT
fsr-3305	24	13	such	such	ADJ
fsr-3305	24	14	as	as	ADP
fsr-3305	24	15	going	go	VERB
fsr-3305	24	16	to	to	ADP
fsr-3305	24	17	postsecondary	postsecondary	ADJ
fsr-3305	24	18	education	education	NOUN
fsr-3305	24	19	,	,	PUNCT
fsr-3305	24	20	buying	buy	VERB
fsr-3305	24	21	a	a	DET
fsr-3305	24	22	vehicle	vehicle	NOUN
fsr-3305	24	23	,	,	PUNCT
fsr-3305	24	24	housing	housing	NOUN
fsr-3305	24	25	decisions	decision	NOUN
fsr-3305	24	26	,	,	PUNCT
fsr-3305	24	27	among	among	ADP
fsr-3305	24	28	others	other	NOUN
fsr-3305	24	29	that	that	PRON
fsr-3305	24	30	are	be	AUX
fsr-3305	24	31	vital	vital	ADJ
fsr-3305	24	32	to	to	ADP
fsr-3305	24	33	their	their	PRON
fsr-3305	24	34	future	future	ADJ
fsr-3305	24	35	financial	financial	ADJ
fsr-3305	24	36	positions	position	NOUN
fsr-3305	24	37	.	.	PUNCT
fsr-3305	25	1	thus	thus	ADV
fsr-3305	25	2	,	,	PUNCT
fsr-3305	25	3	it	it	PRON
fsr-3305	25	4	is	be	AUX
fsr-3305	25	5	important	important	ADJ
fsr-3305	25	6	for	for	SCONJ
fsr-3305	25	7	practitioners	practitioner	NOUN
fsr-3305	25	8	,	,	PUNCT
fsr-3305	25	9	academics	academic	NOUN
fsr-3305	25	10	,	,	PUNCT
fsr-3305	25	11	and	and	CCONJ
fsr-3305	25	12	regulators	regulator	NOUN
fsr-3305	25	13	to	to	PART
fsr-3305	25	14	better	well	ADV
fsr-3305	25	15	understand	understand	VERB
fsr-3305	25	16	the	the	DET
fsr-3305	25	17	financial	financial	ADJ
fsr-3305	25	18	literacy	literacy	NOUN
fsr-3305	25	19	levels	level	NOUN
fsr-3305	25	20	of	of	ADP
fsr-3305	25	21	the	the	DET
fsr-3305	25	22	generation	generation	NOUN
fsr-3305	25	23	y	y	PROPN
fsr-3305	25	24	demographic	demographic	ADJ
fsr-3305	26	1	and	and	CCONJ
fsr-3305	26	2	this	this	DET
fsr-3305	26	3	study	study	NOUN
fsr-3305	26	4	aims	aim	VERB
fsr-3305	26	5	add	add	VERB
fsr-3305	26	6	to	to	ADP
fsr-3305	26	7	the	the	DET
fsr-3305	26	8	growing	grow	VERB
fsr-3305	26	9	amount	amount	NOUN
fsr-3305	26	10	of	of	ADP
fsr-3305	26	11	information	information	NOUN
fsr-3305	26	12	on	on	ADP
fsr-3305	26	13	this	this	DET
fsr-3305	26	14	group	group	NOUN
fsr-3305	26	15	.	.	PUNCT
fsr-3305	27	1	behavioral	behavioral	ADJ
fsr-3305	27	2	finance	finance	NOUN
fsr-3305	27	3	has	have	AUX
fsr-3305	27	4	also	also	ADV
fsr-3305	27	5	emerged	emerge	VERB
fsr-3305	27	6	as	as	ADP
fsr-3305	27	7	an	an	DET
fsr-3305	27	8	alternate	alternate	ADJ
fsr-3305	27	9	view	view	NOUN
fsr-3305	27	10	on	on	ADP
fsr-3305	27	11	decision	decision	NOUN
fsr-3305	27	12	-	-	PUNCT
fsr-3305	27	13	making	making	NOUN
fsr-3305	27	14	from	from	ADP
fsr-3305	27	15	the	the	DET
fsr-3305	27	16	traditional	traditional	ADJ
fsr-3305	27	17	finance	finance	NOUN
fsr-3305	27	18	theory	theory	NOUN
fsr-3305	27	19	which	which	PRON
fsr-3305	27	20	depended	depend	VERB
fsr-3305	27	21	on	on	ADP
fsr-3305	27	22	rational	rational	ADJ
fsr-3305	27	23	decision	decision	NOUN
fsr-3305	27	24	-	-	PUNCT
fsr-3305	27	25	making	make	VERB
fsr-3305	27	26	models	model	NOUN
fsr-3305	27	27	.	.	PUNCT
fsr-3305	28	1	from	from	ADP
fsr-3305	28	2	the	the	DET
fsr-3305	28	3	behavioral	behavioral	ADJ
fsr-3305	28	4	finance	finance	NOUN
fsr-3305	28	5	stream	stream	NOUN
fsr-3305	28	6	,	,	PUNCT
fsr-3305	28	7	previous	previous	ADJ
fsr-3305	28	8	literature	literature	NOUN
fsr-3305	28	9	has	have	AUX
fsr-3305	28	10	investigated	investigate	VERB
fsr-3305	28	11	how	how	SCONJ
fsr-3305	28	12	personality	personality	NOUN
fsr-3305	28	13	traits	trait	VERB
fsr-3305	28	14	impact	impact	NOUN
fsr-3305	28	15	investment	investment	NOUN
fsr-3305	28	16	choices	choice	NOUN
fsr-3305	28	17	and	and	CCONJ
fsr-3305	28	18	other	other	ADJ
fsr-3305	28	19	financially	financially	ADV
fsr-3305	28	20	related	relate	VERB
fsr-3305	28	21	decisions	decision	NOUN
fsr-3305	28	22	,	,	PUNCT
fsr-3305	28	23	but	but	CCONJ
fsr-3305	28	24	little	little	ADJ
fsr-3305	28	25	research	research	NOUN
fsr-3305	28	26	has	have	AUX
fsr-3305	28	27	focused	focus	VERB
fsr-3305	28	28	on	on	ADP
fsr-3305	28	29	how	how	SCONJ
fsr-3305	28	30	personality	personality	NOUN
fsr-3305	28	31	traits	trait	NOUN
fsr-3305	28	32	affect	affect	VERB
fsr-3305	28	33	one	one	NUM
fsr-3305	28	34	’s	’s	PART
fsr-3305	28	35	financial	financial	ADJ
fsr-3305	28	36	literacy	literacy	NOUN
fsr-3305	28	37	.	.	PUNCT
fsr-3305	29	1	this	this	DET
fsr-3305	29	2	study	study	NOUN
fsr-3305	29	3	intends	intend	VERB
fsr-3305	29	4	to	to	PART
fsr-3305	29	5	fill	fill	VERB
fsr-3305	29	6	such	such	ADJ
fsr-3305	29	7	gap	gap	NOUN
fsr-3305	29	8	in	in	ADP
fsr-3305	29	9	the	the	DET
fsr-3305	29	10	literature	literature	NOUN
fsr-3305	29	11	and	and	CCONJ
fsr-3305	29	12	provides	provide	VERB
fsr-3305	29	13	academics	academic	NOUN
fsr-3305	29	14	and	and	CCONJ
fsr-3305	29	15	practitioners	practitioner	NOUN
fsr-3305	29	16	with	with	ADP
fsr-3305	29	17	a	a	DET
fsr-3305	29	18	new	new	ADJ
fsr-3305	29	19	understanding	understanding	NOUN
fsr-3305	29	20	of	of	ADP
fsr-3305	29	21	how	how	SCONJ
fsr-3305	29	22	personality	personality	NOUN
fsr-3305	29	23	traits	trait	VERB
fsr-3305	29	24	influence	influence	NOUN
fsr-3305	29	25	one	one	NUM
fsr-3305	29	26	’s	’s	PART
fsr-3305	29	27	ability	ability	NOUN
fsr-3305	29	28	to	to	PART
fsr-3305	29	29	digest	digest	VERB
fsr-3305	29	30	and	and	CCONJ
fsr-3305	29	31	implement	implement	VERB
fsr-3305	29	32	the	the	DET
fsr-3305	29	33	financial	financial	ADJ
fsr-3305	29	34	information	information	NOUN
fsr-3305	29	35	provided	provide	VERB
fsr-3305	29	36	to	to	ADP
fsr-3305	29	37	them	they	PRON
fsr-3305	29	38	.	.	PUNCT
fsr-3305	30	1	additional	additional	ADJ
fsr-3305	30	2	stakeholders	stakeholder	NOUN
fsr-3305	30	3	can	can	AUX
fsr-3305	30	4	benefit	benefit	VERB
fsr-3305	30	5	from	from	ADP
fsr-3305	30	6	understanding	understanding	NOUN
fsr-3305	30	7	and	and	CCONJ
fsr-3305	30	8	increasing	increase	VERB
fsr-3305	30	9	the	the	DET
fsr-3305	30	10	financial	financial	ADJ
fsr-3305	30	11	literacy	literacy	NOUN
fsr-3305	30	12	of	of	ADP
fsr-3305	30	13	canadians	canadians	PROPN
fsr-3305	30	14	.	.	PUNCT
fsr-3305	31	1	financial	financial	ADJ
fsr-3305	31	2	institutions	institution	NOUN
fsr-3305	31	3	can	can	AUX
fsr-3305	31	4	benefit	benefit	VERB
fsr-3305	31	5	from	from	ADP
fsr-3305	31	6	understanding	understand	VERB
fsr-3305	31	7	the	the	DET
fsr-3305	31	8	financial	financial	ADJ
fsr-3305	31	9	literacy	literacy	NOUN
fsr-3305	31	10	of	of	ADP
fsr-3305	31	11	the	the	DET
fsr-3305	31	12	individuals	individual	NOUN
fsr-3305	31	13	whom	whom	PRON
fsr-3305	31	14	they	they	PRON
fsr-3305	31	15	serve	serve	VERB
fsr-3305	31	16	to	to	ADP
fsr-3305	31	17	better	well	ADJ
fsr-3305	31	18	cater	cater	NOUN
fsr-3305	31	19	products	product	NOUN
fsr-3305	31	20	and	and	CCONJ
fsr-3305	31	21	services	service	NOUN
fsr-3305	31	22	to	to	ADP
fsr-3305	31	23	them	they	PRON
fsr-3305	31	24	;	;	PUNCT
fsr-3305	31	25	thus	thus	ADV
fsr-3305	31	26	,	,	PUNCT
fsr-3305	31	27	improving	improve	VERB
fsr-3305	31	28	customer	customer	NOUN
fsr-3305	31	29	retention	retention	NOUN
fsr-3305	31	30	and	and	CCONJ
fsr-3305	31	31	reducing	reduce	VERB
fsr-3305	31	32	the	the	DET
fsr-3305	31	33	potential	potential	ADJ
fsr-3305	31	34	risks	risk	NOUN
fsr-3305	31	35	financial	financial	ADJ
fsr-3305	31	36	service	service	NOUN
fsr-3305	31	37	firms	firm	NOUN
fsr-3305	31	38	face	face	VERB
fsr-3305	31	39	via	via	ADP
fsr-3305	31	40	litigation	litigation	NOUN
fsr-3305	31	41	or	or	CCONJ
fsr-3305	31	42	debt	debt	NOUN
fsr-3305	31	43	defaults	default	NOUN
fsr-3305	31	44	.	.	PUNCT
fsr-3305	32	1	additionally	additionally	ADV
fsr-3305	32	2	,	,	PUNCT
fsr-3305	32	3	policymakers	policymaker	NOUN
fsr-3305	32	4	and	and	CCONJ
fsr-3305	32	5	regulators	regulator	NOUN
fsr-3305	32	6	will	will	AUX
fsr-3305	32	7	benefit	benefit	VERB
fsr-3305	32	8	from	from	ADP
fsr-3305	32	9	insights	insight	NOUN
fsr-3305	32	10	into	into	ADP
fsr-3305	32	11	the	the	DET
fsr-3305	32	12	financial	financial	ADJ
fsr-3305	32	13	literacy	literacy	NOUN
fsr-3305	32	14	of	of	ADP
fsr-3305	32	15	the	the	DET
fsr-3305	32	16	generation	generation	NOUN
fsr-3305	32	17	y	y	PROPN
fsr-3305	32	18	cohort	cohort	NOUN
fsr-3305	32	19	in	in	ADP
fsr-3305	32	20	canada	canada	PROPN
fsr-3305	32	21	.	.	PUNCT
fsr-3305	33	1	beginning	begin	VERB
fsr-3305	33	2	in	in	ADP
fsr-3305	33	3	2009	2009	NUM
fsr-3305	33	4	the	the	DET
fsr-3305	33	5	canadian	canadian	ADJ
fsr-3305	33	6	federal	federal	ADJ
fsr-3305	33	7	government	government	NOUN
fsr-3305	33	8	initiated	initiate	VERB
fsr-3305	33	9	a	a	DET
fsr-3305	33	10	financial	financial	ADJ
fsr-3305	33	11	literacy	literacy	NOUN
fsr-3305	33	12	task	task	NOUN
fsr-3305	33	13	force	force	NOUN
fsr-3305	33	14	that	that	PRON
fsr-3305	33	15	has	have	AUX
fsr-3305	33	16	further	far	ADV
fsr-3305	33	17	evolved	evolve	VERB
fsr-3305	33	18	into	into	ADP
fsr-3305	33	19	what	what	PRON
fsr-3305	33	20	is	be	AUX
fsr-3305	33	21	now	now	ADV
fsr-3305	33	22	the	the	DET
fsr-3305	33	23	national	national	ADJ
fsr-3305	33	24	strategy	strategy	NOUN
fsr-3305	33	25	for	for	ADP
fsr-3305	33	26	financial	financial	ADJ
fsr-3305	33	27	literacy	literacy	NOUN
fsr-3305	33	28	–	–	PUNCT
fsr-3305	33	29	count	count	VERB
fsr-3305	33	30	me	i	PRON
fsr-3305	33	31	in	in	ADP
fsr-3305	33	32	,	,	PUNCT
fsr-3305	33	33	canada	canada	PROPN
fsr-3305	33	34	.	.	PUNCT
fsr-3305	34	1	the	the	DET
fsr-3305	34	2	national	national	ADJ
fsr-3305	34	3	strategy	strategy	NOUN
fsr-3305	34	4	focuses	focus	VERB
fsr-3305	34	5	on	on	ADP
fsr-3305	34	6	bringing	bring	VERB
fsr-3305	34	7	together	together	ADV
fsr-3305	34	8	various	various	ADJ
fsr-3305	34	9	stakeholders	stakeholder	NOUN
fsr-3305	34	10	in	in	ADP
fsr-3305	34	11	the	the	DET
fsr-3305	34	12	financial	financial	ADJ
fsr-3305	34	13	services	service	NOUN
fsr-3305	34	14	landscape	landscape	NOUN
fsr-3305	34	15	to	to	PART
fsr-3305	34	16	further	further	VERB
fsr-3305	34	17	the	the	DET
fsr-3305	34	18	development	development	NOUN
fsr-3305	34	19	and	and	CCONJ
fsr-3305	34	20	understanding	understanding	NOUN
fsr-3305	34	21	of	of	ADP
fsr-3305	34	22	financial	financial	ADJ
fsr-3305	34	23	literacy	literacy	NOUN
fsr-3305	34	24	in	in	ADP
fsr-3305	34	25	canada	canada	PROPN
fsr-3305	34	26	.	.	PUNCT
fsr-3305	35	1	this	this	DET
fsr-3305	35	2	research	research	NOUN
fsr-3305	35	3	complements	complement	VERB
fsr-3305	35	4	the	the	DET
fsr-3305	35	5	canadian	canadian	ADJ
fsr-3305	35	6	government	government	NOUN
fsr-3305	35	7	initiative	initiative	NOUN
fsr-3305	35	8	by	by	ADP
fsr-3305	35	9	providing	provide	VERB
fsr-3305	35	10	a	a	DET
fsr-3305	35	11	detailed	detailed	ADJ
fsr-3305	35	12	view	view	NOUN
fsr-3305	35	13	of	of	ADP
fsr-3305	35	14	the	the	DET
fsr-3305	35	15	financial	financial	ADJ
fsr-3305	35	16	literacy	literacy	NOUN
fsr-3305	35	17	levels	level	NOUN
fsr-3305	35	18	of	of	ADP
fsr-3305	35	19	young	young	ADJ
fsr-3305	35	20	canadians	canadian	NOUN
fsr-3305	35	21	and	and	CCONJ
fsr-3305	35	22	also	also	ADV
fsr-3305	35	23	testing	test	VERB
fsr-3305	35	24	how	how	SCONJ
fsr-3305	35	25	behavioral	behavioral	ADJ
fsr-3305	35	26	(	(	PUNCT
fsr-3305	35	27	personality	personality	NOUN
fsr-3305	35	28	)	)	PUNCT
fsr-3305	35	29	traits	trait	NOUN
fsr-3305	35	30	can	can	AUX
fsr-3305	35	31	influence	influence	VERB
fsr-3305	35	32	their	their	PRON
fsr-3305	35	33	financial	financial	ADJ
fsr-3305	35	34	understanding	understanding	NOUN
fsr-3305	35	35	.	.	PUNCT
fsr-3305	36	1	the	the	DET
fsr-3305	36	2	remainder	remainder	NOUN
fsr-3305	36	3	of	of	ADP
fsr-3305	36	4	this	this	DET
fsr-3305	36	5	article	article	NOUN
fsr-3305	36	6	is	be	AUX
fsr-3305	36	7	as	as	SCONJ
fsr-3305	36	8	follows	follow	VERB
fsr-3305	36	9	:	:	PUNCT
fsr-3305	36	10	section	section	NOUN
fsr-3305	36	11	2	2	NUM
fsr-3305	36	12	will	will	AUX
fsr-3305	36	13	provide	provide	VERB
fsr-3305	36	14	an	an	DET
fsr-3305	36	15	overview	overview	NOUN
fsr-3305	36	16	of	of	ADP
fsr-3305	36	17	the	the	DET
fsr-3305	36	18	relevant	relevant	ADJ
fsr-3305	36	19	literature	literature	NOUN
fsr-3305	36	20	on	on	ADP
fsr-3305	36	21	financial	financial	ADJ
fsr-3305	36	22	literacy	literacy	NOUN
fsr-3305	36	23	and	and	CCONJ
fsr-3305	36	24	behavioral	behavioral	ADJ
fsr-3305	36	25	finance	finance	NOUN
fsr-3305	36	26	.	.	PUNCT
fsr-3305	37	1	section	section	NOUN
fsr-3305	37	2	3	3	NUM
fsr-3305	37	3	will	will	AUX
fsr-3305	37	4	outline	outline	VERB
fsr-3305	37	5	the	the	DET
fsr-3305	37	6	data	datum	NOUN
fsr-3305	37	7	sources	source	NOUN
fsr-3305	37	8	.	.	PUNCT
fsr-3305	38	1	section	section	NOUN
fsr-3305	38	2	4	4	NUM
fsr-3305	38	3	describes	describe	VERB
fsr-3305	38	4	the	the	DET
fsr-3305	38	5	methodology	methodology	NOUN
fsr-3305	38	6	.	.	PUNCT
fsr-3305	39	1	section	section	NOUN
fsr-3305	39	2	5	5	NUM
fsr-3305	39	3	will	will	AUX
fsr-3305	39	4	consist	consist	VERB
fsr-3305	39	5	of	of	ADP
fsr-3305	39	6	the	the	DET
fsr-3305	39	7	results	result	NOUN
fsr-3305	39	8	.	.	PUNCT
fsr-3305	40	1	section	section	NOUN
fsr-3305	40	2	144	144	NUM
fsr-3305	40	3	r.n	r.n	PROPN
fsr-3305	40	4	.	.	PROPN
fsr-3305	40	5	killins	killins	PROPN
fsr-3305	40	6	/	/	SYM
fsr-3305	40	7	financial	financial	ADJ
fsr-3305	40	8	services	service	NOUN
fsr-3305	40	9	review	review	VERB
fsr-3305	40	10	26	26	NUM
fsr-3305	40	11	(	(	PUNCT
fsr-3305	40	12	2017	2017	NUM
fsr-3305	40	13	)	)	PUNCT
fsr-3305	40	14	143–165	143–165	NUM
fsr-3305	40	15	6	6	NUM
fsr-3305	40	16	will	will	AUX
fsr-3305	40	17	provide	provide	VERB
fsr-3305	40	18	a	a	DET
fsr-3305	40	19	discussion	discussion	NOUN
fsr-3305	40	20	of	of	ADP
fsr-3305	40	21	the	the	DET
fsr-3305	40	22	results	result	NOUN
fsr-3305	40	23	including	include	VERB
fsr-3305	40	24	the	the	DET
fsr-3305	40	25	implications	implication	NOUN
fsr-3305	40	26	.	.	PUNCT
fsr-3305	41	1	section	section	NOUN
fsr-3305	41	2	7	7	NUM
fsr-3305	41	3	will	will	AUX
fsr-3305	41	4	provide	provide	VERB
fsr-3305	41	5	the	the	DET
fsr-3305	41	6	conclusion	conclusion	NOUN
fsr-3305	41	7	and	and	CCONJ
fsr-3305	41	8	recommendations	recommendation	NOUN
fsr-3305	41	9	for	for	ADP
fsr-3305	41	10	future	future	ADJ
fsr-3305	41	11	research	research	NOUN
fsr-3305	41	12	.	.	PUNCT
fsr-3305	42	1	2	2	X
fsr-3305	42	2	.	.	X
fsr-3305	42	3	background	background	NOUN
fsr-3305	42	4	and	and	CCONJ
fsr-3305	42	5	literature	literature	NOUN
fsr-3305	42	6	review	review	PROPN
fsr-3305	42	7	2.1	2.1	NUM
fsr-3305	42	8	.	.	PUNCT
fsr-3305	43	1	financial	financial	ADJ
fsr-3305	43	2	literacy	literacy	NOUN
fsr-3305	43	3	financial	financial	ADJ
fsr-3305	43	4	literacy	literacy	NOUN
fsr-3305	43	5	is	be	AUX
fsr-3305	43	6	defined	define	VERB
fsr-3305	43	7	as	as	ADP
fsr-3305	43	8	the	the	DET
fsr-3305	43	9	ability	ability	NOUN
fsr-3305	43	10	to	to	PART
fsr-3305	43	11	process	process	VERB
fsr-3305	43	12	economic	economic	ADJ
fsr-3305	43	13	information	information	NOUN
fsr-3305	43	14	and	and	CCONJ
fsr-3305	43	15	make	make	VERB
fsr-3305	43	16	an	an	DET
fsr-3305	43	17	informed	informed	ADJ
fsr-3305	43	18	decision	decision	NOUN
fsr-3305	43	19	about	about	ADP
fsr-3305	43	20	financial	financial	ADJ
fsr-3305	43	21	planning	planning	NOUN
fsr-3305	43	22	,	,	PUNCT
fsr-3305	43	23	wealth	wealth	NOUN
fsr-3305	43	24	accumulation	accumulation	NOUN
fsr-3305	43	25	,	,	PUNCT
fsr-3305	43	26	debt	debt	NOUN
fsr-3305	43	27	,	,	PUNCT
fsr-3305	43	28	and	and	CCONJ
fsr-3305	43	29	pensions	pension	NOUN
fsr-3305	43	30	(	(	PUNCT
fsr-3305	43	31	lusardi	lusardi	NOUN
fsr-3305	43	32	,	,	PUNCT
fsr-3305	43	33	2015	2015	NUM
fsr-3305	43	34	)	)	PUNCT
fsr-3305	43	35	.	.	PUNCT
fsr-3305	44	1	over	over	ADP
fsr-3305	44	2	the	the	DET
fsr-3305	44	3	past	past	ADJ
fsr-3305	44	4	decade	decade	NOUN
fsr-3305	44	5	,	,	PUNCT
fsr-3305	44	6	financial	financial	ADJ
fsr-3305	44	7	literacy	literacy	NOUN
fsr-3305	44	8	has	have	AUX
fsr-3305	44	9	been	be	AUX
fsr-3305	44	10	pushed	push	VERB
fsr-3305	44	11	into	into	ADP
fsr-3305	44	12	the	the	DET
fsr-3305	44	13	spotlight	spotlight	NOUN
fsr-3305	44	14	by	by	ADP
fsr-3305	44	15	different	different	ADJ
fsr-3305	44	16	government	government	NOUN
fsr-3305	44	17	organizations	organization	NOUN
fsr-3305	44	18	around	around	ADP
fsr-3305	44	19	the	the	DET
fsr-3305	44	20	globe	globe	NOUN
fsr-3305	44	21	.	.	PUNCT
fsr-3305	45	1	the	the	DET
fsr-3305	45	2	organization	organization	NOUN
fsr-3305	45	3	for	for	ADP
fsr-3305	45	4	economic	economic	ADJ
fsr-3305	45	5	co	co	NOUN
fsr-3305	45	6	-	-	NOUN
fsr-3305	45	7	operation	operation	NOUN
fsr-3305	45	8	and	and	CCONJ
fsr-3305	45	9	development	development	NOUN
fsr-3305	45	10	(	(	PUNCT
fsr-3305	45	11	oced	oce	VERB
fsr-3305	45	12	)	)	PUNCT
fsr-3305	45	13	has	have	AUX
fsr-3305	45	14	initiated	initiate	VERB
fsr-3305	45	15	some	some	DET
fsr-3305	45	16	financial	financial	ADJ
fsr-3305	45	17	literacy	literacy	NOUN
fsr-3305	45	18	programs	program	NOUN
fsr-3305	45	19	and	and	CCONJ
fsr-3305	45	20	studies	study	NOUN
fsr-3305	45	21	via	via	ADP
fsr-3305	45	22	the	the	DET
fsr-3305	45	23	program	program	NOUN
fsr-3305	45	24	for	for	ADP
fsr-3305	45	25	international	international	ADJ
fsr-3305	45	26	student	student	NOUN
fsr-3305	45	27	assessment	assessment	NOUN
fsr-3305	45	28	to	to	PART
fsr-3305	45	29	assess	assess	VERB
fsr-3305	45	30	and	and	CCONJ
fsr-3305	45	31	develop	develop	VERB
fsr-3305	45	32	the	the	DET
fsr-3305	45	33	financial	financial	ADJ
fsr-3305	45	34	literacy	literacy	NOUN
fsr-3305	45	35	of	of	ADP
fsr-3305	45	36	youth	youth	NOUN
fsr-3305	45	37	across	across	ADP
fsr-3305	45	38	the	the	DET
fsr-3305	45	39	globe	globe	NOUN
fsr-3305	45	40	.	.	PUNCT
fsr-3305	46	1	on	on	ADP
fsr-3305	46	2	a	a	DET
fsr-3305	46	3	national	national	ADJ
fsr-3305	46	4	scale	scale	NOUN
fsr-3305	46	5	,	,	PUNCT
fsr-3305	46	6	many	many	ADJ
fsr-3305	46	7	developed	develop	VERB
fsr-3305	46	8	countries	country	NOUN
fsr-3305	46	9	now	now	ADV
fsr-3305	46	10	see	see	VERB
fsr-3305	46	11	the	the	DET
fsr-3305	46	12	importance	importance	NOUN
fsr-3305	46	13	of	of	ADP
fsr-3305	46	14	financial	financial	ADJ
fsr-3305	46	15	literacy	literacy	NOUN
fsr-3305	46	16	,	,	PUNCT
fsr-3305	46	17	which	which	PRON
fsr-3305	46	18	can	can	AUX
fsr-3305	46	19	bring	bring	VERB
fsr-3305	46	20	increased	increase	VERB
fsr-3305	46	21	financial	financial	ADJ
fsr-3305	46	22	stability	stability	NOUN
fsr-3305	46	23	to	to	ADP
fsr-3305	46	24	financial	financial	ADJ
fsr-3305	46	25	markets	market	NOUN
fsr-3305	46	26	and	and	CCONJ
fsr-3305	46	27	have	have	AUX
fsr-3305	46	28	launched	launch	VERB
fsr-3305	46	29	campaigns	campaign	NOUN
fsr-3305	46	30	and	and	CCONJ
fsr-3305	46	31	surveys	survey	NOUN
fsr-3305	46	32	to	to	PART
fsr-3305	46	33	promote	promote	VERB
fsr-3305	46	34	and	and	CCONJ
fsr-3305	46	35	collect	collect	VERB
fsr-3305	46	36	data	datum	NOUN
fsr-3305	46	37	on	on	ADP
fsr-3305	46	38	financial	financial	ADJ
fsr-3305	46	39	literacy	literacy	NOUN
fsr-3305	46	40	.	.	PUNCT
fsr-3305	47	1	in	in	ADP
fsr-3305	47	2	the	the	DET
fsr-3305	47	3	united	united	PROPN
fsr-3305	47	4	states	states	PROPN
fsr-3305	47	5	,	,	PUNCT
fsr-3305	47	6	beginning	begin	VERB
fsr-3305	47	7	in	in	ADP
fsr-3305	47	8	2004	2004	NUM
fsr-3305	47	9	financial	financial	ADJ
fsr-3305	47	10	literacy	literacy	NOUN
fsr-3305	47	11	questions	question	NOUN
fsr-3305	47	12	were	be	AUX
fsr-3305	47	13	added	add	VERB
fsr-3305	47	14	to	to	ADP
fsr-3305	47	15	the	the	DET
fsr-3305	47	16	health	health	NOUN
fsr-3305	47	17	and	and	CCONJ
fsr-3305	47	18	retirement	retirement	NOUN
fsr-3305	47	19	study	study	NOUN
fsr-3305	47	20	(	(	PUNCT
fsr-3305	47	21	hrs	hrs	NOUN
fsr-3305	47	22	)	)	PUNCT
fsr-3305	47	23	and	and	CCONJ
fsr-3305	47	24	later	later	ADV
fsr-3305	47	25	added	add	VERB
fsr-3305	47	26	to	to	ADP
fsr-3305	47	27	several	several	ADJ
fsr-3305	47	28	other	other	ADJ
fsr-3305	47	29	surveys	survey	NOUN
fsr-3305	47	30	including	include	VERB
fsr-3305	47	31	the	the	DET
fsr-3305	47	32	national	national	ADJ
fsr-3305	47	33	financial	financial	ADJ
fsr-3305	47	34	capability	capability	NOUN
fsr-3305	47	35	survey	survey	NOUN
fsr-3305	47	36	(	(	PUNCT
fsr-3305	47	37	nfcs	nfc	NOUN
fsr-3305	47	38	)	)	PUNCT
fsr-3305	47	39	.	.	PUNCT
fsr-3305	48	1	data	datum	NOUN
fsr-3305	48	2	from	from	ADP
fsr-3305	48	3	these	these	DET
fsr-3305	48	4	surveys	survey	NOUN
fsr-3305	48	5	indicate	indicate	VERB
fsr-3305	48	6	low	low	ADJ
fsr-3305	48	7	levels	level	NOUN
fsr-3305	48	8	of	of	ADP
fsr-3305	48	9	financial	financial	ADJ
fsr-3305	48	10	literacy	literacy	NOUN
fsr-3305	48	11	by	by	ADP
fsr-3305	48	12	individuals	individual	NOUN
fsr-3305	48	13	in	in	ADP
fsr-3305	48	14	the	the	DET
fsr-3305	48	15	united	united	PROPN
fsr-3305	48	16	states	states	PROPN
fsr-3305	48	17	(	(	PUNCT
fsr-3305	48	18	lusardi	lusardi	PROPN
fsr-3305	48	19	&	&	CCONJ
fsr-3305	48	20	mitchell	mitchell	PROPN
fsr-3305	48	21	,	,	PUNCT
fsr-3305	48	22	2011a	2011a	NUM
fsr-3305	48	23	;	;	PUNCT
fsr-3305	48	24	lusardi	lusardi	PROPN
fsr-3305	48	25	&	&	CCONJ
fsr-3305	48	26	mitchell	mitchell	PROPN
fsr-3305	48	27	,	,	PUNCT
fsr-3305	48	28	2011b	2011b	NUM
fsr-3305	48	29	lusardi	lusardi	PROPN
fsr-3305	48	30	,	,	PUNCT
fsr-3305	48	31	mitchell	mitchell	PROPN
fsr-3305	48	32	,	,	PUNCT
fsr-3305	48	33	&	&	CCONJ
fsr-3305	48	34	curto	curto	PROPN
fsr-3305	48	35	,	,	PUNCT
fsr-3305	48	36	2010	2010	NUM
fsr-3305	48	37	)	)	PUNCT
fsr-3305	48	38	.	.	PUNCT
fsr-3305	49	1	other	other	ADJ
fsr-3305	49	2	studies	study	NOUN
fsr-3305	49	3	such	such	ADJ
fsr-3305	49	4	as	as	ADP
fsr-3305	49	5	bernheim	bernheim	NOUN
fsr-3305	49	6	(	(	PUNCT
fsr-3305	49	7	1995	1995	NUM
fsr-3305	49	8	,	,	PUNCT
fsr-3305	49	9	1998	1998	NUM
fsr-3305	49	10	)	)	PUNCT
fsr-3305	49	11	,	,	PUNCT
fsr-3305	49	12	lusardi	lusardi	NOUN
fsr-3305	49	13	and	and	CCONJ
fsr-3305	49	14	mitchell	mitchell	PROPN
fsr-3305	49	15	(	(	PUNCT
fsr-3305	49	16	2014	2014	NUM
fsr-3305	49	17	)	)	PUNCT
fsr-3305	49	18	,	,	PUNCT
fsr-3305	49	19	lusardi	lusardi	NOUN
fsr-3305	49	20	and	and	CCONJ
fsr-3305	49	21	tufano	tufano	ADJ
fsr-3305	49	22	(	(	PUNCT
fsr-3305	49	23	2009	2009	NUM
fsr-3305	49	24	)	)	PUNCT
fsr-3305	49	25	,	,	PUNCT
fsr-3305	49	26	and	and	CCONJ
fsr-3305	49	27	smith	smith	PROPN
fsr-3305	49	28	and	and	CCONJ
fsr-3305	49	29	stewart	stewart	PROPN
fsr-3305	49	30	(	(	PUNCT
fsr-3305	49	31	2009	2009	NUM
fsr-3305	49	32	)	)	PUNCT
fsr-3305	49	33	all	all	PRON
fsr-3305	49	34	draw	draw	VERB
fsr-3305	49	35	similar	similar	ADJ
fsr-3305	49	36	conclusions	conclusion	NOUN
fsr-3305	49	37	suggesting	suggest	VERB
fsr-3305	49	38	the	the	DET
fsr-3305	49	39	lack	lack	NOUN
fsr-3305	49	40	of	of	ADP
fsr-3305	49	41	knowledge	knowledge	NOUN
fsr-3305	49	42	of	of	ADP
fsr-3305	49	43	basic	basic	ADJ
fsr-3305	49	44	financial	financial	ADJ
fsr-3305	49	45	concepts	concept	NOUN
fsr-3305	49	46	for	for	ADP
fsr-3305	49	47	the	the	DET
fsr-3305	49	48	general	general	ADJ
fsr-3305	49	49	u.s	u.s	PROPN
fsr-3305	49	50	.	.	PROPN
fsr-3305	49	51	population	population	NOUN
fsr-3305	49	52	.	.	PUNCT
fsr-3305	50	1	additional	additional	ADJ
fsr-3305	50	2	data	datum	NOUN
fsr-3305	50	3	from	from	ADP
fsr-3305	50	4	the	the	DET
fsr-3305	50	5	jump$tart	jump$tart	NOUN
fsr-3305	50	6	coalition	coalition	NOUN
fsr-3305	50	7	for	for	ADP
fsr-3305	50	8	personal	personal	ADJ
fsr-3305	50	9	financial	financial	ADJ
fsr-3305	50	10	literacy	literacy	NOUN
fsr-3305	50	11	and	and	CCONJ
fsr-3305	50	12	national	national	ADJ
fsr-3305	50	13	council	council	PROPN
fsr-3305	50	14	on	on	ADP
fsr-3305	50	15	economic	economic	ADJ
fsr-3305	50	16	education	education	NOUN
fsr-3305	50	17	focuses	focus	VERB
fsr-3305	50	18	on	on	ADP
fsr-3305	50	19	a	a	DET
fsr-3305	50	20	younger	young	ADJ
fsr-3305	50	21	sample	sample	NOUN
fsr-3305	50	22	of	of	ADP
fsr-3305	50	23	the	the	DET
fsr-3305	50	24	u.s	u.s	PROPN
fsr-3305	50	25	.	.	PROPN
fsr-3305	50	26	population	population	NOUN
fsr-3305	50	27	.	.	PUNCT
fsr-3305	51	1	using	use	VERB
fsr-3305	51	2	data	datum	NOUN
fsr-3305	51	3	from	from	ADP
fsr-3305	51	4	this	this	DET
fsr-3305	51	5	survey	survey	NOUN
fsr-3305	51	6	,	,	PUNCT
fsr-3305	51	7	mandell	mandell	PROPN
fsr-3305	51	8	(	(	PUNCT
fsr-3305	51	9	2008	2008	NUM
fsr-3305	51	10	)	)	PUNCT
fsr-3305	51	11	along	along	ADP
fsr-3305	51	12	with	with	ADP
fsr-3305	51	13	mandell	mandell	PROPN
fsr-3305	51	14	and	and	CCONJ
fsr-3305	51	15	klien	klien	PROPN
fsr-3305	51	16	(	(	PUNCT
fsr-3305	51	17	2007	2007	NUM
fsr-3305	51	18	)	)	PUNCT
fsr-3305	51	19	find	find	VERB
fsr-3305	51	20	high	high	ADJ
fsr-3305	51	21	school	school	NOUN
fsr-3305	51	22	students	student	NOUN
fsr-3305	51	23	in	in	ADP
fsr-3305	51	24	the	the	DET
fsr-3305	51	25	u.s	u.s	PROPN
fsr-3305	51	26	.	.	PROPN
fsr-3305	51	27	also	also	ADV
fsr-3305	51	28	receive	receive	VERB
fsr-3305	51	29	a	a	DET
fsr-3305	51	30	poor	poor	ADJ
fsr-3305	51	31	grade	grade	NOUN
fsr-3305	51	32	for	for	ADP
fsr-3305	51	33	their	their	PRON
fsr-3305	51	34	financial	financial	ADJ
fsr-3305	51	35	literacy	literacy	NOUN
fsr-3305	51	36	.	.	PUNCT
fsr-3305	52	1	outside	outside	ADP
fsr-3305	52	2	of	of	ADP
fsr-3305	52	3	the	the	DET
fsr-3305	52	4	united	united	PROPN
fsr-3305	52	5	states	states	PROPN
fsr-3305	52	6	,	,	PUNCT
fsr-3305	52	7	several	several	ADJ
fsr-3305	52	8	studies	study	NOUN
fsr-3305	52	9	in	in	ADP
fsr-3305	52	10	europe	europe	PROPN
fsr-3305	52	11	and	and	CCONJ
fsr-3305	52	12	asia	asia	PROPN
fsr-3305	52	13	has	have	AUX
fsr-3305	52	14	yielded	yield	VERB
fsr-3305	52	15	similar	similar	ADJ
fsr-3305	52	16	findings.1	findings.1	NOUN
fsr-3305	52	17	in	in	ADP
fsr-3305	52	18	canada	canada	PROPN
fsr-3305	52	19	,	,	PUNCT
fsr-3305	52	20	the	the	DET
fsr-3305	52	21	quantitative	quantitative	ADJ
fsr-3305	52	22	survey	survey	NOUN
fsr-3305	52	23	data	datum	NOUN
fsr-3305	52	24	has	have	AUX
fsr-3305	52	25	started	start	VERB
fsr-3305	52	26	to	to	PART
fsr-3305	52	27	develop	develop	VERB
fsr-3305	52	28	but	but	CCONJ
fsr-3305	52	29	still	still	ADV
fsr-3305	52	30	lags	lag	VERB
fsr-3305	52	31	behind	behind	ADP
fsr-3305	52	32	the	the	DET
fsr-3305	52	33	united	united	PROPN
fsr-3305	52	34	states	states	PROPN
fsr-3305	52	35	and	and	CCONJ
fsr-3305	52	36	some	some	DET
fsr-3305	52	37	european	european	ADJ
fsr-3305	52	38	countries	country	NOUN
fsr-3305	52	39	.	.	PUNCT
fsr-3305	53	1	the	the	DET
fsr-3305	53	2	primary	primary	ADJ
fsr-3305	53	3	sources	source	NOUN
fsr-3305	53	4	of	of	ADP
fsr-3305	53	5	financial	financial	ADJ
fsr-3305	53	6	literacy	literacy	NOUN
fsr-3305	53	7	data	datum	NOUN
fsr-3305	53	8	are	be	AUX
fsr-3305	53	9	the	the	DET
fsr-3305	53	10	survey	survey	NOUN
fsr-3305	53	11	’s	’	VERB
fsr-3305	53	12	sponsored	sponsor	VERB
fsr-3305	53	13	by	by	ADP
fsr-3305	53	14	the	the	DET
fsr-3305	53	15	financial	financial	ADJ
fsr-3305	53	16	agency	agency	NOUN
fsr-3305	53	17	of	of	ADP
fsr-3305	53	18	canada	canada	PROPN
fsr-3305	53	19	(	(	PUNCT
fsr-3305	53	20	fcac	fcac	PROPN
fsr-3305	53	21	)	)	PUNCT
fsr-3305	53	22	and	and	CCONJ
fsr-3305	53	23	statistics	statistics	PROPN
fsr-3305	53	24	canada	canada	PROPN
fsr-3305	53	25	financial	financial	ADJ
fsr-3305	53	26	capability	capability	NOUN
fsr-3305	53	27	survey	survey	NOUN
fsr-3305	53	28	(	(	PUNCT
fsr-3305	53	29	fcs	fcs	PROPN
fsr-3305	53	30	)	)	PUNCT
fsr-3305	53	31	.	.	PUNCT
fsr-3305	54	1	the	the	DET
fsr-3305	54	2	most	most	ADV
fsr-3305	54	3	recent	recent	ADJ
fsr-3305	54	4	fcs	fc	NOUN
fsr-3305	54	5	in	in	ADP
fsr-3305	54	6	2014	2014	NUM
fsr-3305	54	7	indicated	indicate	VERB
fsr-3305	54	8	that	that	SCONJ
fsr-3305	54	9	60	60	NUM
fsr-3305	54	10	%	%	NOUN
fsr-3305	54	11	of	of	ADP
fsr-3305	54	12	adults	adult	NOUN
fsr-3305	54	13	rate	rate	VERB
fsr-3305	54	14	their	their	PRON
fsr-3305	54	15	financial	financial	ADJ
fsr-3305	54	16	knowledge	knowledge	NOUN
fsr-3305	54	17	as	as	ADP
fsr-3305	54	18	“	"	PUNCT
fsr-3305	54	19	fair	fair	ADJ
fsr-3305	54	20	”	"	PUNCT
fsr-3305	54	21	or	or	CCONJ
fsr-3305	54	22	“	"	PUNCT
fsr-3305	54	23	poor	poor	ADJ
fsr-3305	54	24	”	"	PUNCT
fsr-3305	54	25	and	and	CCONJ
fsr-3305	54	26	80	80	NUM
fsr-3305	54	27	%	%	NOUN
fsr-3305	54	28	of	of	ADP
fsr-3305	54	29	young	young	ADJ
fsr-3305	54	30	canadians	canadian	NOUN
fsr-3305	54	31	are	be	AUX
fsr-3305	54	32	not	not	PART
fsr-3305	54	33	confident	confident	ADJ
fsr-3305	54	34	in	in	ADP
fsr-3305	54	35	their	their	PRON
fsr-3305	54	36	financial	financial	ADJ
fsr-3305	54	37	knowledge	knowledge	NOUN
fsr-3305	54	38	.	.	PUNCT
fsr-3305	55	1	boisclair	boisclair	NOUN
fsr-3305	55	2	,	,	PUNCT
fsr-3305	55	3	lusardi	lusardi	NOUN
fsr-3305	55	4	,	,	PUNCT
fsr-3305	55	5	and	and	CCONJ
fsr-3305	55	6	michaud	michaud	PROPN
fsr-3305	55	7	(	(	PUNCT
fsr-3305	55	8	2014	2014	NUM
fsr-3305	55	9	)	)	PUNCT
fsr-3305	55	10	find	find	VERB
fsr-3305	55	11	that	that	SCONJ
fsr-3305	55	12	42	42	NUM
fsr-3305	55	13	%	%	NOUN
fsr-3305	55	14	of	of	ADP
fsr-3305	55	15	canadians	canadian	NOUN
fsr-3305	55	16	were	be	AUX
fsr-3305	55	17	able	able	ADJ
fsr-3305	55	18	to	to	PART
fsr-3305	55	19	correctly	correctly	ADV
fsr-3305	55	20	answer	answer	VERB
fsr-3305	55	21	three	three	NUM
fsr-3305	55	22	questions	question	NOUN
fsr-3305	55	23	centered	center	VERB
fsr-3305	55	24	on	on	ADP
fsr-3305	55	25	interest	interest	NOUN
fsr-3305	55	26	compounding	compounding	NOUN
fsr-3305	55	27	,	,	PUNCT
fsr-3305	55	28	inflation	inflation	NOUN
fsr-3305	55	29	,	,	PUNCT
fsr-3305	55	30	and	and	CCONJ
fsr-3305	55	31	risk	risk	NOUN
fsr-3305	55	32	diversification	diversification	NOUN
fsr-3305	55	33	.	.	PUNCT
fsr-3305	56	1	these	these	DET
fsr-3305	56	2	findings	finding	NOUN
fsr-3305	56	3	put	put	VERB
fsr-3305	56	4	canada	canada	PROPN
fsr-3305	56	5	ahead	ahead	ADV
fsr-3305	56	6	of	of	ADP
fsr-3305	56	7	the	the	DET
fsr-3305	56	8	united	united	PROPN
fsr-3305	56	9	states	states	PROPN
fsr-3305	56	10	but	but	CCONJ
fsr-3305	56	11	lagging	lag	VERB
fsr-3305	56	12	behind	behind	ADP
fsr-3305	56	13	some	some	DET
fsr-3305	56	14	european	european	ADJ
fsr-3305	56	15	countries	country	NOUN
fsr-3305	56	16	.	.	PUNCT
fsr-3305	57	1	also	also	ADV
fsr-3305	57	2	,	,	PUNCT
fsr-3305	57	3	they	they	PRON
fsr-3305	57	4	also	also	ADV
fsr-3305	57	5	conclude	conclude	VERB
fsr-3305	57	6	that	that	SCONJ
fsr-3305	57	7	the	the	DET
fsr-3305	57	8	young	young	ADJ
fsr-3305	57	9	and	and	CCONJ
fsr-3305	57	10	the	the	DET
fsr-3305	57	11	old	old	ADJ
fsr-3305	57	12	,	,	PUNCT
fsr-3305	57	13	women	woman	NOUN
fsr-3305	57	14	,	,	PUNCT
fsr-3305	57	15	and	and	CCONJ
fsr-3305	57	16	minorities	minority	NOUN
fsr-3305	57	17	score	score	VERB
fsr-3305	57	18	lower	lower	ADV
fsr-3305	57	19	in	in	ADP
fsr-3305	57	20	their	their	PRON
fsr-3305	57	21	financial	financial	ADJ
fsr-3305	57	22	literacy	literacy	NOUN
fsr-3305	57	23	level	level	NOUN
fsr-3305	57	24	.	.	PUNCT
fsr-3305	58	1	buckland	buckland	PROPN
fsr-3305	58	2	(	(	PUNCT
fsr-3305	58	3	2010	2010	NUM
fsr-3305	58	4	)	)	PUNCT
fsr-3305	58	5	draws	draw	VERB
fsr-3305	58	6	qualitative	qualitative	ADJ
fsr-3305	58	7	data	datum	NOUN
fsr-3305	58	8	from	from	ADP
fsr-3305	58	9	a	a	DET
fsr-3305	58	10	subsection	subsection	NOUN
fsr-3305	58	11	of	of	ADP
fsr-3305	58	12	low	low	ADJ
fsr-3305	58	13	-	-	PUNCT
fsr-3305	58	14	income	income	NOUN
fsr-3305	58	15	canadians	canadian	NOUN
fsr-3305	58	16	and	and	CCONJ
fsr-3305	58	17	finds	find	VERB
fsr-3305	58	18	that	that	SCONJ
fsr-3305	58	19	the	the	DET
fsr-3305	58	20	“	"	PUNCT
fsr-3305	58	21	low	low	ADJ
fsr-3305	58	22	income	income	NOUN
fsr-3305	58	23	”	"	PUNCT
fsr-3305	58	24	population	population	NOUN
fsr-3305	58	25	of	of	ADP
fsr-3305	58	26	canada	canada	PROPN
fsr-3305	58	27	is	be	AUX
fsr-3305	58	28	perhaps	perhaps	ADV
fsr-3305	58	29	more	more	ADV
fsr-3305	58	30	financially	financially	ADV
fsr-3305	58	31	literate	literate	ADJ
fsr-3305	58	32	than	than	SCONJ
fsr-3305	58	33	the	the	DET
fsr-3305	58	34	quantitative	quantitative	ADJ
fsr-3305	58	35	data	data	NOUN
fsr-3305	58	36	suggests	suggest	VERB
fsr-3305	58	37	.	.	PUNCT
fsr-3305	59	1	he	he	PRON
fsr-3305	59	2	suggests	suggest	VERB
fsr-3305	59	3	that	that	SCONJ
fsr-3305	59	4	the	the	DET
fsr-3305	59	5	low	low	ADJ
fsr-3305	59	6	-	-	PUNCT
fsr-3305	59	7	income	income	NOUN
fsr-3305	59	8	sample	sample	NOUN
fsr-3305	59	9	he	he	PRON
fsr-3305	59	10	drew	draw	VERB
fsr-3305	59	11	from	from	ADP
fsr-3305	59	12	cope	cope	VERB
fsr-3305	59	13	well	well	ADJ
fsr-3305	59	14	145r.n	145r.n	NUM
fsr-3305	59	15	.	.	PUNCT
fsr-3305	60	1	killins	killins	PROPN
fsr-3305	60	2	/	/	SYM
fsr-3305	60	3	financial	financial	ADJ
fsr-3305	60	4	services	service	NOUN
fsr-3305	60	5	review	review	VERB
fsr-3305	60	6	26	26	NUM
fsr-3305	60	7	(	(	PUNCT
fsr-3305	60	8	2017	2017	NUM
fsr-3305	60	9	)	)	PUNCT
fsr-3305	60	10	143–165	143–165	NUM
fsr-3305	60	11	with	with	ADP
fsr-3305	60	12	budgeting	budgeting	NOUN
fsr-3305	60	13	,	,	PUNCT
fsr-3305	60	14	credit	credit	NOUN
fsr-3305	60	15	,	,	PUNCT
fsr-3305	60	16	and	and	CCONJ
fsr-3305	60	17	knowledge	knowledge	NOUN
fsr-3305	60	18	of	of	ADP
fsr-3305	60	19	government	government	NOUN
fsr-3305	60	20	programs	program	NOUN
fsr-3305	60	21	but	but	CCONJ
fsr-3305	60	22	may	may	AUX
fsr-3305	60	23	lack	lack	VERB
fsr-3305	60	24	knowledge	knowledge	NOUN
fsr-3305	60	25	in	in	ADP
fsr-3305	60	26	institutional	institutional	ADJ
fsr-3305	60	27	policies	policy	NOUN
fsr-3305	60	28	and	and	CCONJ
fsr-3305	60	29	deeper	deep	ADJ
fsr-3305	60	30	financial	financial	ADJ
fsr-3305	60	31	life	life	NOUN
fsr-3305	60	32	goals	goal	NOUN
fsr-3305	60	33	.	.	PUNCT
fsr-3305	61	1	2.2	2.2	NUM
fsr-3305	61	2	.	.	PUNCT
fsr-3305	62	1	generation	generation	NOUN
fsr-3305	62	2	y	y	PROPN
fsr-3305	62	3	following	follow	VERB
fsr-3305	62	4	brosdahl	brosdahl	NOUN
fsr-3305	62	5	and	and	CCONJ
fsr-3305	62	6	carpenter	carpenter	NOUN
fsr-3305	62	7	(	(	PUNCT
fsr-3305	62	8	2011	2011	NUM
fsr-3305	62	9	)	)	PUNCT
fsr-3305	62	10	individuals	individual	NOUN
fsr-3305	62	11	born	bear	VERB
fsr-3305	62	12	after	after	ADP
fsr-3305	62	13	1981	1981	NUM
fsr-3305	62	14	are	be	AUX
fsr-3305	62	15	classified	classify	VERB
fsr-3305	62	16	as	as	ADP
fsr-3305	62	17	the	the	DET
fsr-3305	62	18	generation	generation	NOUN
fsr-3305	62	19	y	y	PROPN
fsr-3305	62	20	age	age	NOUN
fsr-3305	62	21	cohort	cohort	VERB
fsr-3305	62	22	.	.	PUNCT
fsr-3305	63	1	a	a	DET
fsr-3305	63	2	key	key	ADJ
fsr-3305	63	3	formative	formative	ADJ
fsr-3305	63	4	characteristic	characteristic	NOUN
fsr-3305	63	5	for	for	ADP
fsr-3305	63	6	generation	generation	NOUN
fsr-3305	63	7	y	y	PROPN
fsr-3305	63	8	is	be	AUX
fsr-3305	63	9	early	early	ADJ
fsr-3305	63	10	and	and	CCONJ
fsr-3305	63	11	frequent	frequent	ADJ
fsr-3305	63	12	exposure	exposure	NOUN
fsr-3305	63	13	to	to	ADP
fsr-3305	63	14	technology	technology	NOUN
fsr-3305	63	15	,	,	PUNCT
fsr-3305	63	16	which	which	PRON
fsr-3305	63	17	has	have	VERB
fsr-3305	63	18	advantages	advantage	NOUN
fsr-3305	63	19	and	and	CCONJ
fsr-3305	63	20	disadvantages	disadvantage	NOUN
fsr-3305	63	21	regarding	regard	VERB
fsr-3305	63	22	cognitive	cognitive	ADJ
fsr-3305	63	23	,	,	PUNCT
fsr-3305	63	24	emotional	emotional	ADJ
fsr-3305	63	25	,	,	PUNCT
fsr-3305	63	26	and	and	CCONJ
fsr-3305	63	27	social	social	ADJ
fsr-3305	63	28	outcomes	outcome	NOUN
fsr-3305	63	29	(	(	PUNCT
fsr-3305	63	30	immordino	immordino	NOUN
fsr-3305	63	31	-	-	PUNCT
fsr-3305	63	32	yang	yang	PROPN
fsr-3305	63	33	,	,	PUNCT
fsr-3305	63	34	chrisodoulou	chrisodoulou	PROPN
fsr-3305	63	35	,	,	PUNCT
fsr-3305	63	36	&	&	CCONJ
fsr-3305	63	37	singh	singh	PROPN
fsr-3305	63	38	,	,	PUNCT
fsr-3305	63	39	2012	2012	NUM
fsr-3305	63	40	)	)	PUNCT
fsr-3305	63	41	.	.	PUNCT
fsr-3305	64	1	generation	generation	NOUN
fsr-3305	64	2	y	y	PROPN
fsr-3305	64	3	consumers	consumer	NOUN
fsr-3305	64	4	have	have	AUX
fsr-3305	64	5	also	also	ADV
fsr-3305	64	6	benefited	benefit	VERB
fsr-3305	64	7	from	from	ADP
fsr-3305	64	8	the	the	DET
fsr-3305	64	9	increased	increase	VERB
fsr-3305	64	10	availability	availability	NOUN
fsr-3305	64	11	of	of	ADP
fsr-3305	64	12	customized	customized	ADJ
fsr-3305	64	13	products	product	NOUN
fsr-3305	64	14	and	and	CCONJ
fsr-3305	64	15	personalized	personalized	ADJ
fsr-3305	64	16	services	service	NOUN
fsr-3305	64	17	.	.	PUNCT
fsr-3305	65	1	they	they	PRON
fsr-3305	65	2	“	"	PUNCT
fsr-3305	65	3	want	want	VERB
fsr-3305	65	4	it	it	PRON
fsr-3305	65	5	all	all	PRON
fsr-3305	65	6	”	"	PUNCT
fsr-3305	65	7	and	and	CCONJ
fsr-3305	65	8	“	"	PUNCT
fsr-3305	65	9	want	want	VERB
fsr-3305	65	10	it	it	PRON
fsr-3305	65	11	now	now	ADV
fsr-3305	65	12	,	,	PUNCT
fsr-3305	65	13	”	"	PUNCT
fsr-3305	65	14	particularly	particularly	ADV
fsr-3305	65	15	in	in	ADP
fsr-3305	65	16	relation	relation	NOUN
fsr-3305	65	17	to	to	PART
fsr-3305	65	18	work	work	VERB
fsr-3305	65	19	/	/	SYM
fsr-3305	65	20	pay	pay	NOUN
fsr-3305	65	21	and	and	CCONJ
fsr-3305	65	22	benefits	benefit	NOUN
fsr-3305	65	23	,	,	PUNCT
fsr-3305	65	24	career	career	NOUN
fsr-3305	65	25	advancement	advancement	NOUN
fsr-3305	65	26	,	,	PUNCT
fsr-3305	65	27	work	work	NOUN
fsr-3305	65	28	or	or	CCONJ
fsr-3305	65	29	life	life	NOUN
fsr-3305	65	30	balance	balance	NOUN
fsr-3305	65	31	,	,	PUNCT
fsr-3305	65	32	interesting	interesting	ADJ
fsr-3305	65	33	work	work	NOUN
fsr-3305	65	34	and	and	CCONJ
fsr-3305	65	35	being	be	AUX
fsr-3305	65	36	able	able	ADJ
fsr-3305	65	37	to	to	PART
fsr-3305	65	38	make	make	VERB
fsr-3305	65	39	a	a	DET
fsr-3305	65	40	contribution	contribution	NOUN
fsr-3305	65	41	to	to	ADP
fsr-3305	65	42	society	society	NOUN
fsr-3305	65	43	via	via	ADP
fsr-3305	65	44	their	their	PRON
fsr-3305	65	45	work	work	NOUN
fsr-3305	65	46	(	(	PUNCT
fsr-3305	65	47	howe	howe	PROPN
fsr-3305	65	48	&	&	CCONJ
fsr-3305	65	49	strauss	strauss	PROPN
fsr-3305	65	50	,	,	PUNCT
fsr-3305	65	51	2009	2009	NUM
fsr-3305	65	52	;	;	PUNCT
fsr-3305	65	53	ng	ng	PROPN
fsr-3305	65	54	,	,	PUNCT
fsr-3305	65	55	schweitzer	schweitzer	NOUN
fsr-3305	65	56	,	,	PUNCT
fsr-3305	65	57	&	&	CCONJ
fsr-3305	65	58	lyons	lyons	PROPN
fsr-3305	65	59	,	,	PUNCT
fsr-3305	65	60	2010	2010	NUM
fsr-3305	65	61	)	)	PUNCT
fsr-3305	65	62	.	.	PUNCT
fsr-3305	66	1	within	within	ADP
fsr-3305	66	2	the	the	DET
fsr-3305	66	3	financial	financial	ADJ
fsr-3305	66	4	landscape	landscape	NOUN
fsr-3305	66	5	,	,	PUNCT
fsr-3305	66	6	youth	youth	NOUN
fsr-3305	66	7	have	have	AUX
fsr-3305	66	8	been	be	AUX
fsr-3305	66	9	targets	target	NOUN
fsr-3305	66	10	of	of	ADP
fsr-3305	66	11	financial	financial	ADJ
fsr-3305	66	12	institutions	institution	NOUN
fsr-3305	66	13	growth	growth	NOUN
fsr-3305	66	14	plans	plan	NOUN
fsr-3305	66	15	for	for	ADP
fsr-3305	66	16	decades	decade	NOUN
fsr-3305	66	17	.	.	PUNCT
fsr-3305	67	1	advertisements	advertisement	NOUN
fsr-3305	67	2	from	from	ADP
fsr-3305	67	3	the	the	DET
fsr-3305	67	4	financial	financial	ADJ
fsr-3305	67	5	services	service	NOUN
fsr-3305	67	6	industry	industry	NOUN
fsr-3305	67	7	can	can	AUX
fsr-3305	67	8	be	be	AUX
fsr-3305	67	9	seen	see	VERB
fsr-3305	67	10	on	on	ADP
fsr-3305	67	11	display	display	NOUN
fsr-3305	67	12	across	across	ADP
fsr-3305	67	13	college	college	NOUN
fsr-3305	67	14	campuses	campus	NOUN
fsr-3305	67	15	across	across	ADP
fsr-3305	67	16	canada	canada	PROPN
fsr-3305	67	17	.	.	PUNCT
fsr-3305	68	1	students	student	NOUN
fsr-3305	68	2	can	can	AUX
fsr-3305	68	3	sign	sign	VERB
fsr-3305	68	4	up	up	ADP
fsr-3305	68	5	for	for	ADP
fsr-3305	68	6	credit	credit	NOUN
fsr-3305	68	7	cards	card	NOUN
fsr-3305	68	8	on	on	ADP
fsr-3305	68	9	campus	campus	NOUN
fsr-3305	68	10	with	with	ADP
fsr-3305	68	11	little	little	ADJ
fsr-3305	68	12	information	information	NOUN
fsr-3305	68	13	provided	provide	VERB
fsr-3305	68	14	and	and	CCONJ
fsr-3305	68	15	little	little	ADJ
fsr-3305	68	16	income	income	NOUN
fsr-3305	68	17	to	to	PART
fsr-3305	68	18	pay	pay	VERB
fsr-3305	68	19	for	for	ADP
fsr-3305	68	20	the	the	DET
fsr-3305	68	21	credit	credit	NOUN
fsr-3305	68	22	extended	extend	VERB
fsr-3305	68	23	to	to	ADP
fsr-3305	68	24	them	they	PRON
fsr-3305	68	25	.	.	PUNCT
fsr-3305	69	1	cudmore	cudmore	ADV
fsr-3305	69	2	,	,	PUNCT
fsr-3305	69	3	patton	patton	PROPN
fsr-3305	69	4	,	,	PUNCT
fsr-3305	69	5	ng	ng	PROPN
fsr-3305	69	6	,	,	PUNCT
fsr-3305	69	7	and	and	CCONJ
fsr-3305	69	8	mcclure	mcclure	PROPN
fsr-3305	69	9	(	(	PUNCT
fsr-3305	69	10	2010	2010	NUM
fsr-3305	69	11	)	)	PUNCT
fsr-3305	69	12	documents	document	VERB
fsr-3305	69	13	the	the	DET
fsr-3305	69	14	importance	importance	NOUN
fsr-3305	69	15	of	of	ADP
fsr-3305	69	16	financial	financial	ADJ
fsr-3305	69	17	literacy	literacy	NOUN
fsr-3305	69	18	to	to	PART
fsr-3305	69	19	“	"	PUNCT
fsr-3305	69	20	protect	protect	VERB
fsr-3305	69	21	”	"	PUNCT
fsr-3305	69	22	the	the	DET
fsr-3305	69	23	millennial	millennial	ADJ
fsr-3305	69	24	generation	generation	NOUN
fsr-3305	69	25	from	from	ADP
fsr-3305	69	26	aggressive	aggressive	ADJ
fsr-3305	69	27	and	and	CCONJ
fsr-3305	69	28	sometimes	sometimes	ADV
fsr-3305	69	29	deceptive	deceptive	ADJ
fsr-3305	69	30	tactics	tactic	NOUN
fsr-3305	69	31	by	by	ADP
fsr-3305	69	32	financial	financial	ADJ
fsr-3305	69	33	institutions	institution	NOUN
fsr-3305	69	34	.	.	PUNCT
fsr-3305	70	1	innovations	innovation	NOUN
fsr-3305	70	2	by	by	ADP
fsr-3305	70	3	financial	financial	ADJ
fsr-3305	70	4	institutions	institution	NOUN
fsr-3305	70	5	via	via	ADP
fsr-3305	70	6	the	the	DET
fsr-3305	70	7	technology	technology	NOUN
fsr-3305	70	8	sector	sector	NOUN
fsr-3305	70	9	has	have	AUX
fsr-3305	70	10	created	create	VERB
fsr-3305	70	11	a	a	DET
fsr-3305	70	12	new	new	ADJ
fsr-3305	70	13	avenue	avenue	NOUN
fsr-3305	70	14	for	for	ADP
fsr-3305	70	15	financial	financial	ADJ
fsr-3305	70	16	institutions	institution	NOUN
fsr-3305	70	17	to	to	PART
fsr-3305	70	18	strengthen	strengthen	VERB
fsr-3305	70	19	their	their	PRON
fsr-3305	70	20	positions	position	NOUN
fsr-3305	70	21	with	with	ADP
fsr-3305	70	22	this	this	PRON
fsr-3305	70	23	up	up	ADP
fsr-3305	70	24	and	and	CCONJ
fsr-3305	70	25	coming	come	VERB
fsr-3305	70	26	generation	generation	NOUN
fsr-3305	70	27	.	.	PUNCT
fsr-3305	71	1	prior	prior	ADJ
fsr-3305	71	2	studies	study	NOUN
fsr-3305	71	3	on	on	ADP
fsr-3305	71	4	the	the	DET
fsr-3305	71	5	financial	financial	ADJ
fsr-3305	71	6	literacy	literacy	NOUN
fsr-3305	71	7	of	of	ADP
fsr-3305	71	8	the	the	DET
fsr-3305	71	9	college	college	NOUN
fsr-3305	71	10	-	-	PUNCT
fsr-3305	71	11	aged	age	VERB
fsr-3305	71	12	demographic	demographic	ADJ
fsr-3305	71	13	show	show	NOUN
fsr-3305	71	14	that	that	SCONJ
fsr-3305	71	15	they	they	PRON
fsr-3305	71	16	are	be	AUX
fsr-3305	71	17	not	not	PART
fsr-3305	71	18	very	very	ADV
fsr-3305	71	19	knowledgeable	knowledgeable	ADJ
fsr-3305	71	20	about	about	ADP
fsr-3305	71	21	personal	personal	ADJ
fsr-3305	71	22	finances	finance	NOUN
fsr-3305	71	23	pillars	pillar	NOUN
fsr-3305	71	24	(	(	PUNCT
fsr-3305	71	25	chen	chen	PROPN
fsr-3305	71	26	&	&	CCONJ
fsr-3305	71	27	volpe	volpe	PROPN
fsr-3305	71	28	,	,	PUNCT
fsr-3305	71	29	1998	1998	NUM
fsr-3305	71	30	;	;	PUNCT
fsr-3305	71	31	harrison	harrison	PROPN
fsr-3305	71	32	&	&	CCONJ
fsr-3305	71	33	chudry	chudry	PROPN
fsr-3305	71	34	,	,	PUNCT
fsr-3305	71	35	2011	2011	NUM
fsr-3305	71	36	;	;	PUNCT
fsr-3305	71	37	lusardi	lusardi	NOUN
fsr-3305	71	38	,	,	PUNCT
fsr-3305	71	39	2015	2015	NUM
fsr-3305	71	40	)	)	PUNCT
fsr-3305	71	41	.	.	PUNCT
fsr-3305	72	1	thus	thus	ADV
fsr-3305	72	2	,	,	PUNCT
fsr-3305	72	3	there	there	PRON
fsr-3305	72	4	is	be	VERB
fsr-3305	72	5	a	a	DET
fsr-3305	72	6	potential	potential	NOUN
fsr-3305	72	7	for	for	ADP
fsr-3305	72	8	severe	severe	ADJ
fsr-3305	72	9	risks	risk	NOUN
fsr-3305	72	10	to	to	ADP
fsr-3305	72	11	the	the	DET
fsr-3305	72	12	millennial	millennial	ADJ
fsr-3305	72	13	demographic	demographic	ADJ
fsr-3305	72	14	but	but	CCONJ
fsr-3305	72	15	also	also	ADV
fsr-3305	72	16	to	to	ADP
fsr-3305	72	17	the	the	DET
fsr-3305	72	18	financial	financial	ADJ
fsr-3305	72	19	markets	market	NOUN
fsr-3305	72	20	as	as	ADP
fsr-3305	72	21	a	a	DET
fsr-3305	72	22	whole	whole	NOUN
fsr-3305	72	23	if	if	SCONJ
fsr-3305	72	24	young	young	ADJ
fsr-3305	72	25	adults	adult	NOUN
fsr-3305	72	26	turn	turn	VERB
fsr-3305	72	27	to	to	ADP
fsr-3305	72	28	“	"	PUNCT
fsr-3305	72	29	fintech	fintech	NOUN
fsr-3305	72	30	”	"	PUNCT
fsr-3305	72	31	resources	resource	NOUN
fsr-3305	72	32	without	without	ADP
fsr-3305	72	33	the	the	DET
fsr-3305	72	34	necessary	necessary	ADJ
fsr-3305	72	35	knowledge	knowledge	NOUN
fsr-3305	72	36	of	of	ADP
fsr-3305	72	37	the	the	DET
fsr-3305	72	38	economic	economic	ADJ
fsr-3305	72	39	landscape	landscape	NOUN
fsr-3305	72	40	.	.	PUNCT
fsr-3305	73	1	further	far	ADV
fsr-3305	73	2	,	,	PUNCT
fsr-3305	73	3	as	as	SCONJ
fsr-3305	73	4	the	the	DET
fsr-3305	73	5	baby	baby	NOUN
fsr-3305	73	6	boomer	boomer	NOUN
fsr-3305	73	7	transition	transition	NOUN
fsr-3305	73	8	into	into	ADP
fsr-3305	73	9	retirement	retirement	NOUN
fsr-3305	73	10	,	,	PUNCT
fsr-3305	73	11	an	an	DET
fsr-3305	73	12	estimated	estimate	VERB
fsr-3305	73	13	$	$	SYM
fsr-3305	73	14	750	750	NUM
fsr-3305	73	15	billion	billion	NUM
fsr-3305	73	16	dollars	dollar	NOUN
fsr-3305	73	17	in	in	ADP
fsr-3305	73	18	wealth	wealth	NOUN
fsr-3305	73	19	will	will	AUX
fsr-3305	73	20	be	be	AUX
fsr-3305	73	21	transferred	transfer	VERB
fsr-3305	73	22	to	to	ADP
fsr-3305	73	23	a	a	DET
fsr-3305	73	24	younger	young	ADJ
fsr-3305	73	25	generation	generation	NOUN
fsr-3305	73	26	in	in	ADP
fsr-3305	73	27	canada	canada	PROPN
fsr-3305	73	28	.	.	PUNCT
fsr-3305	74	1	this	this	PRON
fsr-3305	74	2	leads	lead	VERB
fsr-3305	74	3	to	to	ADP
fsr-3305	74	4	significant	significant	ADJ
fsr-3305	74	5	implications	implication	NOUN
fsr-3305	74	6	for	for	ADP
fsr-3305	74	7	the	the	DET
fsr-3305	74	8	entire	entire	ADJ
fsr-3305	74	9	financial	financial	ADJ
fsr-3305	74	10	system	system	NOUN
fsr-3305	74	11	,	,	PUNCT
fsr-3305	74	12	and	and	CCONJ
fsr-3305	74	13	increased	increase	VERB
fsr-3305	74	14	emphasis	emphasis	NOUN
fsr-3305	74	15	on	on	ADP
fsr-3305	74	16	the	the	DET
fsr-3305	74	17	importance	importance	NOUN
fsr-3305	74	18	of	of	ADP
fsr-3305	74	19	financial	financial	ADJ
fsr-3305	74	20	literacy	literacy	NOUN
fsr-3305	74	21	for	for	ADP
fsr-3305	74	22	the	the	DET
fsr-3305	74	23	young	young	ADJ
fsr-3305	74	24	generation	generation	NOUN
fsr-3305	74	25	is	be	AUX
fsr-3305	74	26	warranted	warrant	VERB
fsr-3305	74	27	.	.	PUNCT
fsr-3305	75	1	2.3	2.3	NUM
fsr-3305	75	2	.	.	PUNCT
fsr-3305	75	3	psychological	psychological	ADJ
fsr-3305	75	4	elements	element	NOUN
fsr-3305	75	5	and	and	CCONJ
fsr-3305	75	6	financial	financial	ADJ
fsr-3305	75	7	decision	decision	NOUN
fsr-3305	75	8	making	make	VERB
fsr-3305	75	9	a	a	DET
fsr-3305	75	10	fundamental	fundamental	ADJ
fsr-3305	75	11	assumption	assumption	NOUN
fsr-3305	75	12	in	in	ADP
fsr-3305	75	13	the	the	DET
fsr-3305	75	14	traditional	traditional	ADJ
fsr-3305	75	15	literature	literature	NOUN
fsr-3305	75	16	on	on	ADP
fsr-3305	75	17	financial	financial	ADJ
fsr-3305	75	18	markets	market	NOUN
fsr-3305	75	19	centers	center	NOUN
fsr-3305	75	20	on	on	ADP
fsr-3305	75	21	rational	rational	ADJ
fsr-3305	75	22	expectations	expectation	NOUN
fsr-3305	75	23	theory	theory	NOUN
fsr-3305	75	24	,	,	PUNCT
fsr-3305	75	25	which	which	PRON
fsr-3305	75	26	states	state	VERB
fsr-3305	75	27	that	that	SCONJ
fsr-3305	75	28	individuals	individual	NOUN
fsr-3305	75	29	use	use	VERB
fsr-3305	75	30	all	all	DET
fsr-3305	75	31	the	the	DET
fsr-3305	75	32	relevant	relevant	ADJ
fsr-3305	75	33	information	information	NOUN
fsr-3305	75	34	available	available	ADJ
fsr-3305	75	35	when	when	SCONJ
fsr-3305	75	36	forming	form	VERB
fsr-3305	75	37	their	their	PRON
fsr-3305	75	38	expectations	expectation	NOUN
fsr-3305	75	39	about	about	ADP
fsr-3305	75	40	economic	economic	ADJ
fsr-3305	75	41	decisions	decision	NOUN
fsr-3305	75	42	.	.	PUNCT
fsr-3305	76	1	in	in	ADP
fsr-3305	76	2	this	this	DET
fsr-3305	76	3	traditional	traditional	ADJ
fsr-3305	76	4	theory	theory	NOUN
fsr-3305	76	5	,	,	PUNCT
fsr-3305	76	6	to	to	PART
fsr-3305	76	7	make	make	VERB
fsr-3305	76	8	good	good	ADJ
fsr-3305	76	9	financial	financial	ADJ
fsr-3305	76	10	decisions	decision	NOUN
fsr-3305	76	11	,	,	PUNCT
fsr-3305	76	12	an	an	DET
fsr-3305	76	13	individual	individual	NOUN
fsr-3305	76	14	requires	require	VERB
fsr-3305	76	15	proper	proper	ADJ
fsr-3305	76	16	information	information	NOUN
fsr-3305	76	17	as	as	ADV
fsr-3305	76	18	well	well	ADV
fsr-3305	76	19	as	as	ADP
fsr-3305	76	20	the	the	DET
fsr-3305	76	21	ability	ability	NOUN
fsr-3305	76	22	to	to	PART
fsr-3305	76	23	process	process	VERB
fsr-3305	76	24	this	this	DET
fsr-3305	76	25	information	information	NOUN
fsr-3305	76	26	.	.	PUNCT
fsr-3305	77	1	in	in	ADP
fsr-3305	77	2	the	the	DET
fsr-3305	77	3	recent	recent	ADJ
fsr-3305	77	4	past	past	NOUN
fsr-3305	77	5	,	,	PUNCT
fsr-3305	77	6	the	the	DET
fsr-3305	77	7	traditional	traditional	ADJ
fsr-3305	77	8	view	view	NOUN
fsr-3305	77	9	on	on	ADP
fsr-3305	77	10	financial	financial	ADJ
fsr-3305	77	11	markets	market	NOUN
fsr-3305	77	12	has	have	AUX
fsr-3305	77	13	been	be	AUX
fsr-3305	77	14	challenged	challenge	VERB
fsr-3305	77	15	,	,	PUNCT
fsr-3305	77	16	and	and	CCONJ
fsr-3305	77	17	the	the	DET
fsr-3305	77	18	behavioral	behavioral	ADJ
fsr-3305	77	19	characteristics	characteristic	NOUN
fsr-3305	77	20	of	of	ADP
fsr-3305	77	21	individuals	individual	NOUN
fsr-3305	77	22	have	have	AUX
fsr-3305	77	23	been	be	AUX
fsr-3305	77	24	used	use	VERB
fsr-3305	77	25	to	to	PART
fsr-3305	77	26	better	well	ADV
fsr-3305	77	27	understand	understand	VERB
fsr-3305	77	28	the	the	DET
fsr-3305	77	29	choices	choice	NOUN
fsr-3305	77	30	people	people	NOUN
fsr-3305	77	31	make	make	VERB
fsr-3305	77	32	in	in	ADP
fsr-3305	77	33	the	the	DET
fsr-3305	77	34	financial	financial	ADJ
fsr-3305	77	35	markets	market	NOUN
fsr-3305	77	36	(	(	PUNCT
fsr-3305	77	37	shiller	shiller	NOUN
fsr-3305	77	38	,	,	PUNCT
fsr-3305	77	39	2003	2003	NUM
fsr-3305	77	40	;	;	PUNCT
fsr-3305	77	41	shleifer	shleifer	NOUN
fsr-3305	77	42	,	,	PUNCT
fsr-3305	77	43	2000	2000	NUM
fsr-3305	77	44	;	;	PUNCT
fsr-3305	78	1	thaler	thaler	PROPN
fsr-3305	78	2	&	&	CCONJ
fsr-3305	78	3	de	de	PROPN
fsr-3305	78	4	bondt	bondt	PROPN
fsr-3305	78	5	,	,	PUNCT
fsr-3305	78	6	1993	1993	NUM
fsr-3305	78	7	)	)	PUNCT
fsr-3305	78	8	.	.	PUNCT
fsr-3305	79	1	personality	personality	NOUN
fsr-3305	79	2	traits	trait	NOUN
fsr-3305	79	3	are	be	AUX
fsr-3305	79	4	important	important	ADJ
fsr-3305	79	5	because	because	SCONJ
fsr-3305	79	6	they	they	PRON
fsr-3305	79	7	influence	influence	VERB
fsr-3305	79	8	the	the	DET
fsr-3305	79	9	way	way	NOUN
fsr-3305	79	10	individuals	individual	NOUN
fsr-3305	79	11	interact	interact	VERB
fsr-3305	79	12	within	within	ADP
fsr-3305	79	13	a	a	DET
fsr-3305	79	14	particular	particular	ADJ
fsr-3305	79	15	environment	environment	NOUN
fsr-3305	79	16	.	.	PUNCT
fsr-3305	80	1	the	the	DET
fsr-3305	80	2	big	big	ADJ
fsr-3305	80	3	five	five	NUM
fsr-3305	80	4	taxonomy	taxonomy	NOUN
fsr-3305	80	5	has	have	AUX
fsr-3305	80	6	been	be	AUX
fsr-3305	80	7	used	use	VERB
fsr-3305	80	8	to	to	PART
fsr-3305	80	9	provide	provide	VERB
fsr-3305	80	10	evidence	evidence	NOUN
fsr-3305	80	11	linking	link	VERB
fsr-3305	80	12	146	146	NUM
fsr-3305	80	13	r.n	r.n	PROPN
fsr-3305	80	14	.	.	PROPN
fsr-3305	80	15	killins	killins	PROPN
fsr-3305	80	16	/	/	SYM
fsr-3305	80	17	financial	financial	ADJ
fsr-3305	80	18	services	service	NOUN
fsr-3305	80	19	review	review	VERB
fsr-3305	80	20	26	26	NUM
fsr-3305	80	21	(	(	PUNCT
fsr-3305	80	22	2017	2017	NUM
fsr-3305	80	23	)	)	PUNCT
fsr-3305	80	24	143–165	143–165	NUM
fsr-3305	80	25	personality	personality	NOUN
fsr-3305	80	26	traits	trait	NOUN
fsr-3305	80	27	to	to	ADP
fsr-3305	80	28	various	various	ADJ
fsr-3305	80	29	elements	element	NOUN
fsr-3305	80	30	of	of	ADP
fsr-3305	80	31	a	a	DET
fsr-3305	80	32	person	person	NOUN
fsr-3305	80	33	’s	’s	PART
fsr-3305	80	34	life	life	NOUN
fsr-3305	80	35	including	include	VERB
fsr-3305	80	36	health	health	NOUN
fsr-3305	80	37	and	and	CCONJ
fsr-3305	80	38	longevity	longevity	NOUN
fsr-3305	80	39	,	,	PUNCT
fsr-3305	80	40	social	social	ADJ
fsr-3305	80	41	,	,	PUNCT
fsr-3305	80	42	work	work	NOUN
fsr-3305	80	43	,	,	PUNCT
fsr-3305	80	44	and	and	CCONJ
fsr-3305	80	45	academic	academic	ADJ
fsr-3305	80	46	outcomes.2	outcomes.2	NOUN
fsr-3305	80	47	when	when	SCONJ
fsr-3305	80	48	focusing	focus	VERB
fsr-3305	80	49	on	on	ADP
fsr-3305	80	50	how	how	SCONJ
fsr-3305	80	51	personality	personality	NOUN
fsr-3305	80	52	traits	trait	NOUN
fsr-3305	80	53	may	may	AUX
fsr-3305	80	54	influence	influence	VERB
fsr-3305	80	55	one	one	NUM
fsr-3305	80	56	’s	’s	PART
fsr-3305	80	57	financial	financial	ADJ
fsr-3305	80	58	environment	environment	NOUN
fsr-3305	80	59	,	,	PUNCT
fsr-3305	80	60	the	the	DET
fsr-3305	80	61	behavioral	behavioral	ADJ
fsr-3305	80	62	finance	finance	NOUN
fsr-3305	80	63	literature	literature	NOUN
fsr-3305	80	64	has	have	AUX
fsr-3305	80	65	provided	provide	VERB
fsr-3305	80	66	some	some	DET
fsr-3305	80	67	possible	possible	ADJ
fsr-3305	80	68	connections	connection	NOUN
fsr-3305	80	69	.	.	PUNCT
fsr-3305	81	1	mayfield	mayfield	PROPN
fsr-3305	81	2	,	,	PUNCT
fsr-3305	81	3	perdue	perdue	ADJ
fsr-3305	81	4	,	,	PUNCT
fsr-3305	81	5	and	and	CCONJ
fsr-3305	81	6	wooten	wooten	X
fsr-3305	81	7	(	(	PUNCT
fsr-3305	81	8	2008	2008	NUM
fsr-3305	81	9	)	)	PUNCT
fsr-3305	81	10	research	research	NOUN
fsr-3305	81	11	indicate	indicate	VERB
fsr-3305	81	12	that	that	SCONJ
fsr-3305	81	13	individuals	individual	NOUN
fsr-3305	81	14	who	who	PRON
fsr-3305	81	15	are	be	AUX
fsr-3305	81	16	more	more	ADV
fsr-3305	81	17	extroverted	extroverted	ADJ
fsr-3305	81	18	intend	intend	NOUN
fsr-3305	81	19	to	to	PART
fsr-3305	81	20	engage	engage	VERB
fsr-3305	81	21	in	in	ADP
fsr-3305	81	22	short	short	ADJ
fsr-3305	81	23	-	-	PUNCT
fsr-3305	81	24	term	term	NOUN
fsr-3305	81	25	investing	investing	NOUN
fsr-3305	81	26	,	,	PUNCT
fsr-3305	81	27	while	while	SCONJ
fsr-3305	81	28	those	those	PRON
fsr-3305	81	29	who	who	PRON
fsr-3305	81	30	are	be	AUX
fsr-3305	81	31	higher	high	ADJ
fsr-3305	81	32	in	in	ADP
fsr-3305	81	33	neuroticism	neuroticism	NOUN
fsr-3305	81	34	and	and	CCONJ
fsr-3305	81	35	risk	risk	NOUN
fsr-3305	81	36	aversion	aversion	NOUN
fsr-3305	81	37	avoid	avoid	VERB
fsr-3305	81	38	this	this	DET
fsr-3305	81	39	activity	activity	NOUN
fsr-3305	81	40	.	.	PUNCT
fsr-3305	82	1	risk	risk	NOUN
fsr-3305	82	2	adverse	adverse	ADJ
fsr-3305	82	3	individuals	individual	NOUN
fsr-3305	82	4	also	also	ADV
fsr-3305	82	5	do	do	AUX
fsr-3305	82	6	not	not	PART
fsr-3305	82	7	engage	engage	VERB
fsr-3305	82	8	in	in	ADP
fsr-3305	82	9	long	long	ADJ
fsr-3305	82	10	-	-	PUNCT
fsr-3305	82	11	term	term	NOUN
fsr-3305	82	12	investing	investing	NOUN
fsr-3305	82	13	.	.	PUNCT
fsr-3305	83	1	further	far	ADV
fsr-3305	83	2	,	,	PUNCT
fsr-3305	83	3	individuals	individual	NOUN
fsr-3305	83	4	who	who	PRON
fsr-3305	83	5	are	be	AUX
fsr-3305	83	6	more	more	ADV
fsr-3305	83	7	open	open	ADJ
fsr-3305	83	8	to	to	ADP
fsr-3305	83	9	experience	experience	NOUN
fsr-3305	83	10	are	be	AUX
fsr-3305	83	11	inclined	incline	VERB
fsr-3305	83	12	to	to	PART
fsr-3305	83	13	engage	engage	VERB
fsr-3305	83	14	in	in	ADP
fsr-3305	83	15	long	long	ADJ
fsr-3305	83	16	-	-	PUNCT
fsr-3305	83	17	term	term	NOUN
fsr-3305	83	18	investing	investing	NOUN
fsr-3305	83	19	;	;	PUNCT
fsr-3305	83	20	however	however	ADV
fsr-3305	83	21	,	,	PUNCT
fsr-3305	83	22	openness	openness	NOUN
fsr-3305	83	23	did	do	AUX
fsr-3305	83	24	not	not	PART
fsr-3305	83	25	predict	predict	VERB
fsr-3305	83	26	short	short	ADJ
fsr-3305	83	27	-	-	PUNCT
fsr-3305	83	28	term	term	NOUN
fsr-3305	83	29	investing	investing	NOUN
fsr-3305	83	30	.	.	PUNCT
fsr-3305	84	1	further	far	ADV
fsr-3305	84	2	,	,	PUNCT
fsr-3305	84	3	wilhelm	wilhelm	PROPN
fsr-3305	84	4	,	,	PUNCT
fsr-3305	84	5	varcoe	varcoe	ADJ
fsr-3305	84	6	,	,	PUNCT
fsr-3305	84	7	and	and	CCONJ
fsr-3305	84	8	fridrich	fridrich	INTJ
fsr-3305	84	9	(	(	PUNCT
fsr-3305	84	10	1993	1993	NUM
fsr-3305	84	11	)	)	PUNCT
fsr-3305	84	12	found	find	VERB
fsr-3305	84	13	that	that	SCONJ
fsr-3305	84	14	conscientious	conscientious	ADJ
fsr-3305	84	15	people	people	NOUN
fsr-3305	84	16	are	be	AUX
fsr-3305	84	17	more	more	ADV
fsr-3305	84	18	likely	likely	ADJ
fsr-3305	84	19	to	to	PART
fsr-3305	84	20	be	be	AUX
fsr-3305	84	21	savers	saver	NOUN
fsr-3305	84	22	.	.	PUNCT
fsr-3305	85	1	brandstatter	brandstatter	PROPN
fsr-3305	85	2	(	(	PUNCT
fsr-3305	85	3	1996	1996	NUM
fsr-3305	85	4	)	)	PUNCT
fsr-3305	85	5	found	find	VERB
fsr-3305	85	6	emotional	emotional	ADJ
fsr-3305	85	7	instability	instability	NOUN
fsr-3305	85	8	and	and	CCONJ
fsr-3305	85	9	introversion	introversion	NOUN
fsr-3305	85	10	are	be	AUX
fsr-3305	85	11	linked	link	VERB
fsr-3305	85	12	to	to	ADP
fsr-3305	85	13	the	the	DET
fsr-3305	85	14	increased	increase	VERB
fsr-3305	85	15	likelihood	likelihood	NOUN
fsr-3305	85	16	of	of	ADP
fsr-3305	85	17	one	one	NUM
fsr-3305	85	18	saving	save	VERB
fsr-3305	85	19	over	over	ADP
fsr-3305	85	20	spending	spending	NOUN
fsr-3305	85	21	.	.	PUNCT
fsr-3305	86	1	more	more	ADV
fsr-3305	86	2	recently	recently	ADV
fsr-3305	86	3	,	,	PUNCT
fsr-3305	86	4	davis	davis	PROPN
fsr-3305	86	5	and	and	CCONJ
fsr-3305	86	6	runyan	runyan	PROPN
fsr-3305	86	7	(	(	PUNCT
fsr-3305	86	8	2016	2016	NUM
fsr-3305	86	9	)	)	PUNCT
fsr-3305	86	10	explore	explore	VERB
fsr-3305	86	11	individual	individual	ADJ
fsr-3305	86	12	’s	’s	PART
fsr-3305	86	13	personality	personality	NOUN
fsr-3305	86	14	characteristics	characteristic	NOUN
fsr-3305	86	15	and	and	CCONJ
fsr-3305	86	16	financial	financial	ADJ
fsr-3305	86	17	satisfaction	satisfaction	NOUN
fsr-3305	86	18	.	.	PUNCT
fsr-3305	87	1	their	their	PRON
fsr-3305	87	2	findings	finding	NOUN
fsr-3305	87	3	suggest	suggest	VERB
fsr-3305	87	4	that	that	SCONJ
fsr-3305	87	5	trait	trait	NOUN
fsr-3305	87	6	characteristics	characteristic	NOUN
fsr-3305	87	7	such	such	ADJ
fsr-3305	87	8	as	as	ADP
fsr-3305	87	9	the	the	DET
fsr-3305	87	10	need	need	NOUN
fsr-3305	87	11	for	for	ADP
fsr-3305	87	12	material	material	ADJ
fsr-3305	87	13	resources	resource	NOUN
fsr-3305	87	14	and	and	CCONJ
fsr-3305	87	15	emotional	emotional	ADJ
fsr-3305	87	16	instability	instability	NOUN
fsr-3305	87	17	affect	affect	VERB
fsr-3305	87	18	one	one	NUM
fsr-3305	87	19	’s	’s	PART
fsr-3305	87	20	overall	overall	ADJ
fsr-3305	87	21	financial	financial	ADJ
fsr-3305	87	22	satisfaction	satisfaction	NOUN
fsr-3305	87	23	.	.	PUNCT
fsr-3305	88	1	although	although	SCONJ
fsr-3305	88	2	research	research	NOUN
fsr-3305	88	3	linking	link	VERB
fsr-3305	88	4	personality	personality	NOUN
fsr-3305	88	5	traits	trait	NOUN
fsr-3305	88	6	and	and	CCONJ
fsr-3305	88	7	financial	financial	ADJ
fsr-3305	88	8	literacy	literacy	NOUN
fsr-3305	88	9	is	be	AUX
fsr-3305	88	10	limited	limited	ADJ
fsr-3305	88	11	,	,	PUNCT
fsr-3305	88	12	previous	previous	ADJ
fsr-3305	88	13	literature	literature	NOUN
fsr-3305	88	14	does	do	AUX
fsr-3305	88	15	provide	provide	VERB
fsr-3305	88	16	us	we	PRON
fsr-3305	88	17	with	with	ADP
fsr-3305	88	18	potential	potential	ADJ
fsr-3305	88	19	linkages	linkage	NOUN
fsr-3305	88	20	.	.	PUNCT
fsr-3305	89	1	garcia	garcia	PROPN
fsr-3305	89	2	(	(	PUNCT
fsr-3305	89	3	2011	2011	NUM
fsr-3305	89	4	)	)	PUNCT
fsr-3305	89	5	discusses	discuss	VERB
fsr-3305	89	6	both	both	PRON
fsr-3305	89	7	behavioral	behavioral	ADJ
fsr-3305	89	8	finance	finance	NOUN
fsr-3305	89	9	and	and	CCONJ
fsr-3305	89	10	financial	financial	ADJ
fsr-3305	89	11	literacy	literacy	NOUN
fsr-3305	89	12	.	.	PUNCT
fsr-3305	90	1	one	one	NUM
fsr-3305	90	2	discussion	discussion	NOUN
fsr-3305	90	3	in	in	ADP
fsr-3305	90	4	her	her	PRON
fsr-3305	90	5	article	article	NOUN
fsr-3305	90	6	centers	center	NOUN
fsr-3305	90	7	on	on	ADP
fsr-3305	90	8	the	the	DET
fsr-3305	90	9	topic	topic	NOUN
fsr-3305	90	10	of	of	ADP
fsr-3305	90	11	“	"	PUNCT
fsr-3305	90	12	bounded	bounded	ADJ
fsr-3305	90	13	rationality	rationality	NOUN
fsr-3305	90	14	”	"	PUNCT
fsr-3305	90	15	of	of	ADP
fsr-3305	90	16	individuals	individual	NOUN
fsr-3305	90	17	,	,	PUNCT
fsr-3305	90	18	which	which	PRON
fsr-3305	90	19	suggests	suggest	VERB
fsr-3305	90	20	that	that	SCONJ
fsr-3305	90	21	it	it	PRON
fsr-3305	90	22	is	be	AUX
fsr-3305	90	23	almost	almost	ADV
fsr-3305	90	24	impossible	impossible	ADJ
fsr-3305	90	25	for	for	SCONJ
fsr-3305	90	26	individuals	individual	NOUN
fsr-3305	90	27	to	to	PART
fsr-3305	90	28	process	process	VERB
fsr-3305	90	29	the	the	DET
fsr-3305	90	30	sizable	sizable	ADJ
fsr-3305	90	31	amount	amount	NOUN
fsr-3305	90	32	of	of	ADP
fsr-3305	90	33	financial	financial	ADJ
fsr-3305	90	34	information	information	NOUN
fsr-3305	90	35	in	in	ADP
fsr-3305	90	36	the	the	DET
fsr-3305	90	37	current	current	ADJ
fsr-3305	90	38	informational	informational	ADJ
fsr-3305	90	39	environment	environment	NOUN
fsr-3305	90	40	and	and	CCONJ
fsr-3305	90	41	thus	thus	ADV
fsr-3305	90	42	individuals	individual	NOUN
fsr-3305	90	43	take	take	VERB
fsr-3305	90	44	“	"	PUNCT
fsr-3305	90	45	shortcuts	shortcut	NOUN
fsr-3305	90	46	”	"	PUNCT
fsr-3305	90	47	when	when	SCONJ
fsr-3305	90	48	making	make	VERB
fsr-3305	90	49	financial	financial	ADJ
fsr-3305	90	50	decisions	decision	NOUN
fsr-3305	90	51	.	.	PUNCT
fsr-3305	91	1	these	these	DET
fsr-3305	91	2	shortcuts	shortcut	NOUN
fsr-3305	91	3	are	be	AUX
fsr-3305	91	4	what	what	PRON
fsr-3305	91	5	kahneman	kahneman	NOUN
fsr-3305	91	6	and	and	CCONJ
fsr-3305	91	7	tversky	tversky	ADJ
fsr-3305	91	8	(	(	PUNCT
fsr-3305	91	9	2000	2000	NUM
fsr-3305	91	10	)	)	PUNCT
fsr-3305	91	11	referred	refer	VERB
fsr-3305	91	12	to	to	ADP
fsr-3305	91	13	as	as	ADP
fsr-3305	91	14	biases	bias	NOUN
fsr-3305	91	15	and	and	CCONJ
fsr-3305	91	16	heuristics	heuristic	NOUN
fsr-3305	91	17	.	.	PUNCT
fsr-3305	92	1	lusardi	lusardi	PROPN
fsr-3305	92	2	(	(	PUNCT
fsr-3305	92	3	2008	2008	NUM
fsr-3305	92	4	)	)	PUNCT
fsr-3305	92	5	concluded	conclude	VERB
fsr-3305	92	6	that	that	SCONJ
fsr-3305	92	7	to	to	PART
fsr-3305	92	8	improve	improve	VERB
fsr-3305	92	9	individual	individual	ADJ
fsr-3305	92	10	’s	’s	PART
fsr-3305	92	11	financial	financial	ADJ
fsr-3305	92	12	decision	decision	NOUN
fsr-3305	92	13	-	-	PUNCT
fsr-3305	92	14	making	make	VERB
fsr-3305	92	15	ability	ability	NOUN
fsr-3305	92	16	,	,	PUNCT
fsr-3305	92	17	the	the	DET
fsr-3305	92	18	process	process	NOUN
fsr-3305	92	19	must	must	AUX
fsr-3305	92	20	be	be	AUX
fsr-3305	92	21	simplified	simplify	VERB
fsr-3305	92	22	,	,	PUNCT
fsr-3305	92	23	and	and	CCONJ
fsr-3305	92	24	barriers	barrier	NOUN
fsr-3305	92	25	for	for	ADP
fsr-3305	92	26	processing	process	VERB
fsr-3305	92	27	information	information	NOUN
fsr-3305	92	28	must	must	AUX
fsr-3305	92	29	be	be	AUX
fsr-3305	92	30	reduced	reduce	VERB
fsr-3305	92	31	.	.	PUNCT
fsr-3305	93	1	one	one	NUM
fsr-3305	93	2	shortcoming	shortcoming	NOUN
fsr-3305	93	3	of	of	ADP
fsr-3305	93	4	the	the	DET
fsr-3305	93	5	lusardi	lusardi	NOUN
fsr-3305	93	6	(	(	PUNCT
fsr-3305	93	7	2008	2008	NUM
fsr-3305	93	8	)	)	PUNCT
fsr-3305	93	9	conclusion	conclusion	NOUN
fsr-3305	93	10	is	be	AUX
fsr-3305	93	11	that	that	SCONJ
fsr-3305	93	12	not	not	PART
fsr-3305	93	13	all	all	DET
fsr-3305	93	14	individuals	individual	NOUN
fsr-3305	93	15	are	be	AUX
fsr-3305	93	16	alike	alike	ADJ
fsr-3305	93	17	in	in	ADP
fsr-3305	93	18	their	their	PRON
fsr-3305	93	19	abilities	ability	NOUN
fsr-3305	93	20	to	to	PART
fsr-3305	93	21	filter	filter	VERB
fsr-3305	93	22	,	,	PUNCT
fsr-3305	93	23	understand	understand	VERB
fsr-3305	93	24	,	,	PUNCT
fsr-3305	93	25	and	and	CCONJ
fsr-3305	93	26	interpret	interpret	VERB
fsr-3305	93	27	financial	financial	ADJ
fsr-3305	93	28	information	information	NOUN
fsr-3305	93	29	and	and	CCONJ
fsr-3305	93	30	thus	thus	ADV
fsr-3305	93	31	furthering	further	VERB
fsr-3305	93	32	the	the	DET
fsr-3305	93	33	understanding	understanding	NOUN
fsr-3305	93	34	of	of	ADP
fsr-3305	93	35	what	what	PRON
fsr-3305	93	36	impacts	impact	VERB
fsr-3305	93	37	the	the	DET
fsr-3305	93	38	financial	financial	ADJ
fsr-3305	93	39	literacy	literacy	NOUN
fsr-3305	93	40	levels	level	NOUN
fsr-3305	93	41	of	of	ADP
fsr-3305	93	42	individuals	individual	NOUN
fsr-3305	93	43	may	may	AUX
fsr-3305	93	44	aid	aid	VERB
fsr-3305	93	45	financial	financial	ADJ
fsr-3305	93	46	planning	planning	NOUN
fsr-3305	93	47	practitioners	practitioner	NOUN
fsr-3305	93	48	in	in	ADP
fsr-3305	93	49	determining	determine	VERB
fsr-3305	93	50	whether	whether	SCONJ
fsr-3305	93	51	biases	bias	NOUN
fsr-3305	93	52	or	or	CCONJ
fsr-3305	93	53	shortcuts	shortcut	NOUN
fsr-3305	93	54	need	need	VERB
fsr-3305	93	55	to	to	PART
fsr-3305	93	56	be	be	AUX
fsr-3305	93	57	monitored	monitor	VERB
fsr-3305	93	58	.	.	PUNCT
fsr-3305	94	1	previous	previous	ADJ
fsr-3305	94	2	research	research	NOUN
fsr-3305	94	3	has	have	AUX
fsr-3305	94	4	identified	identify	VERB
fsr-3305	94	5	several	several	ADJ
fsr-3305	94	6	important	important	ADJ
fsr-3305	94	7	control	control	NOUN
fsr-3305	94	8	variables	variable	NOUN
fsr-3305	94	9	to	to	PART
fsr-3305	94	10	include	include	VERB
fsr-3305	94	11	when	when	SCONJ
fsr-3305	94	12	examining	examine	VERB
fsr-3305	94	13	the	the	DET
fsr-3305	94	14	level	level	NOUN
fsr-3305	94	15	of	of	ADP
fsr-3305	94	16	one	one	NUM
fsr-3305	94	17	’s	’s	PART
fsr-3305	94	18	financial	financial	ADJ
fsr-3305	94	19	literacy	literacy	NOUN
fsr-3305	94	20	and	and	CCONJ
fsr-3305	94	21	behaviors	behavior	NOUN
fsr-3305	94	22	.	.	PUNCT
fsr-3305	95	1	these	these	DET
fsr-3305	95	2	variables	variable	NOUN
fsr-3305	95	3	include	include	VERB
fsr-3305	95	4	gender	gender	NOUN
fsr-3305	95	5	,	,	PUNCT
fsr-3305	95	6	age	age	NOUN
fsr-3305	95	7	,	,	PUNCT
fsr-3305	95	8	race	race	NOUN
fsr-3305	95	9	,	,	PUNCT
fsr-3305	95	10	marital	marital	ADJ
fsr-3305	95	11	status	status	NOUN
fsr-3305	95	12	,	,	PUNCT
fsr-3305	95	13	presence	presence	NOUN
fsr-3305	95	14	of	of	ADP
fsr-3305	95	15	children	child	NOUN
fsr-3305	95	16	,	,	PUNCT
fsr-3305	95	17	employment	employment	NOUN
fsr-3305	95	18	status	status	NOUN
fsr-3305	95	19	,	,	PUNCT
fsr-3305	95	20	education	education	NOUN
fsr-3305	95	21	,	,	PUNCT
fsr-3305	95	22	and	and	CCONJ
fsr-3305	95	23	income	income	NOUN
fsr-3305	95	24	(	(	PUNCT
fsr-3305	95	25	fernandes	fernandes	PROPN
fsr-3305	95	26	,	,	PUNCT
fsr-3305	95	27	lynch	lynch	PROPN
fsr-3305	95	28	,	,	PUNCT
fsr-3305	95	29	&	&	CCONJ
fsr-3305	95	30	netemeyer	netemeyer	PROPN
fsr-3305	95	31	,	,	PUNCT
fsr-3305	95	32	2014	2014	NUM
fsr-3305	95	33	;	;	PUNCT
fsr-3305	95	34	robb	robb	NOUN
fsr-3305	95	35	&	&	CCONJ
fsr-3305	95	36	woodyard	woodyard	PROPN
fsr-3305	95	37	,	,	PUNCT
fsr-3305	95	38	2011	2011	NUM
fsr-3305	95	39	;	;	PUNCT
fsr-3305	95	40	xiao	xiao	PROPN
fsr-3305	95	41	,	,	PUNCT
fsr-3305	95	42	chen	chen	PROPN
fsr-3305	95	43	,	,	PUNCT
fsr-3305	95	44	&	&	CCONJ
fsr-3305	95	45	chen	chen	PROPN
fsr-3305	95	46	,	,	PUNCT
fsr-3305	95	47	2014	2014	NUM
fsr-3305	95	48	;	;	PUNCT
fsr-3305	95	49	xiao	xiao	PROPN
fsr-3305	95	50	,	,	PUNCT
fsr-3305	95	51	chen	chen	PROPN
fsr-3305	95	52	,	,	PUNCT
fsr-3305	95	53	&	&	CCONJ
fsr-3305	95	54	sun	sun	PROPN
fsr-3305	95	55	,	,	PUNCT
fsr-3305	95	56	2015	2015	NUM
fsr-3305	95	57	;	;	PUNCT
fsr-3305	95	58	zick	zick	PROPN
fsr-3305	95	59	,	,	PUNCT
fsr-3305	95	60	mayer	mayer	PROPN
fsr-3305	95	61	,	,	PUNCT
fsr-3305	95	62	&	&	CCONJ
fsr-3305	95	63	glaubitz	glaubitz	PROPN
fsr-3305	95	64	,	,	PUNCT
fsr-3305	95	65	2012	2012	NUM
fsr-3305	95	66	)	)	PUNCT
fsr-3305	95	67	.	.	PUNCT
fsr-3305	96	1	for	for	ADP
fsr-3305	96	2	example	example	NOUN
fsr-3305	96	3	,	,	PUNCT
fsr-3305	96	4	minorities	minority	NOUN
fsr-3305	96	5	and	and	CCONJ
fsr-3305	96	6	those	those	PRON
fsr-3305	96	7	with	with	ADP
fsr-3305	96	8	less	less	ADJ
fsr-3305	96	9	education	education	NOUN
fsr-3305	96	10	and	and	CCONJ
fsr-3305	96	11	income	income	NOUN
fsr-3305	96	12	tend	tend	VERB
fsr-3305	96	13	to	to	PART
fsr-3305	96	14	score	score	VERB
fsr-3305	96	15	lower	lower	ADV
fsr-3305	96	16	on	on	ADP
fsr-3305	96	17	measures	measure	NOUN
fsr-3305	96	18	of	of	ADP
fsr-3305	96	19	financial	financial	ADJ
fsr-3305	96	20	knowledge	knowledge	NOUN
fsr-3305	96	21	and	and	CCONJ
fsr-3305	96	22	women	woman	NOUN
fsr-3305	96	23	tend	tend	VERB
fsr-3305	96	24	to	to	PART
fsr-3305	96	25	score	score	VERB
fsr-3305	96	26	lower	lower	ADV
fsr-3305	96	27	than	than	ADP
fsr-3305	96	28	men	man	NOUN
fsr-3305	96	29	.	.	PUNCT
fsr-3305	97	1	the	the	DET
fsr-3305	97	2	studies	study	NOUN
fsr-3305	97	3	mentioned	mention	VERB
fsr-3305	97	4	above	above	ADP
fsr-3305	97	5	provide	provide	VERB
fsr-3305	97	6	evidence	evidence	NOUN
fsr-3305	97	7	that	that	SCONJ
fsr-3305	97	8	financial	financial	ADJ
fsr-3305	97	9	literacy	literacy	NOUN
fsr-3305	97	10	is	be	AUX
fsr-3305	97	11	sensitive	sensitive	ADJ
fsr-3305	97	12	to	to	ADP
fsr-3305	97	13	a	a	DET
fsr-3305	97	14	variety	variety	NOUN
fsr-3305	97	15	of	of	ADP
fsr-3305	97	16	elements	element	NOUN
fsr-3305	97	17	unique	unique	ADJ
fsr-3305	97	18	to	to	ADP
fsr-3305	97	19	each	each	DET
fsr-3305	97	20	individual	individual	NOUN
fsr-3305	97	21	but	but	CCONJ
fsr-3305	97	22	does	do	AUX
fsr-3305	97	23	not	not	PART
fsr-3305	97	24	explore	explore	VERB
fsr-3305	97	25	the	the	DET
fsr-3305	97	26	impact	impact	NOUN
fsr-3305	97	27	personality	personality	NOUN
fsr-3305	97	28	,	,	PUNCT
fsr-3305	97	29	or	or	CCONJ
fsr-3305	97	30	behavioral	behavioral	ADJ
fsr-3305	97	31	traits	trait	NOUN
fsr-3305	97	32	have	have	VERB
fsr-3305	97	33	on	on	ADP
fsr-3305	97	34	one	one	NUM
fsr-3305	97	35	’s	’s	PART
fsr-3305	97	36	financial	financial	ADJ
fsr-3305	97	37	literacy	literacy	NOUN
fsr-3305	97	38	.	.	PUNCT
fsr-3305	98	1	previous	previous	ADJ
fsr-3305	98	2	studies	study	NOUN
fsr-3305	98	3	have	have	AUX
fsr-3305	98	4	shown	show	VERB
fsr-3305	98	5	potential	potential	ADJ
fsr-3305	98	6	pathways	pathway	NOUN
fsr-3305	98	7	between	between	ADP
fsr-3305	98	8	personality	personality	NOUN
fsr-3305	98	9	traits	trait	NOUN
fsr-3305	98	10	and	and	CCONJ
fsr-3305	98	11	cognitive	cognitive	ADJ
fsr-3305	98	12	performance	performance	NOUN
fsr-3305	98	13	.	.	PUNCT
fsr-3305	99	1	specific	specific	ADJ
fsr-3305	99	2	personality	personality	NOUN
fsr-3305	99	3	traits	trait	NOUN
fsr-3305	99	4	such	such	ADJ
fsr-3305	99	5	as	as	ADP
fsr-3305	99	6	conscientiousness	conscientiousness	NOUN
fsr-3305	99	7	as	as	ADV
fsr-3305	99	8	well	well	ADV
fsr-3305	99	9	as	as	ADP
fsr-3305	99	10	openness	openness	NOUN
fsr-3305	99	11	are	be	AUX
fsr-3305	99	12	positively	positively	ADV
fsr-3305	99	13	correlated	correlate	VERB
fsr-3305	99	14	with	with	ADP
fsr-3305	99	15	academic	academic	ADJ
fsr-3305	99	16	performance	performance	NOUN
fsr-3305	99	17	(	(	PUNCT
fsr-3305	99	18	goldberg	goldberg	PROPN
fsr-3305	99	19	,	,	PUNCT
fsr-3305	99	20	sweeney	sweeney	PROPN
fsr-3305	99	21	,	,	PUNCT
fsr-3305	99	22	merenda	merenda	PROPN
fsr-3305	99	23	,	,	PUNCT
fsr-3305	99	24	&	&	CCONJ
fsr-3305	99	25	hughes	hughes	PROPN
fsr-3305	99	26	,	,	PUNCT
fsr-3305	99	27	1998	1998	NUM
fsr-3305	99	28	;	;	PUNCT
fsr-3305	99	29	noftle	noftle	NOUN
fsr-3305	99	30	&	&	CCONJ
fsr-3305	99	31	robins	robin	NOUN
fsr-3305	99	32	,	,	PUNCT
fsr-3305	99	33	2007	2007	NUM
fsr-3305	99	34	)	)	PUNCT
fsr-3305	99	35	.	.	PUNCT
fsr-3305	100	1	further	far	ADV
fsr-3305	100	2	,	,	PUNCT
fsr-3305	100	3	davis	davis	PROPN
fsr-3305	100	4	and	and	CCONJ
fsr-3305	100	5	runyan	runyan	PROPN
fsr-3305	100	6	(	(	PUNCT
fsr-3305	100	7	2016	2016	NUM
fsr-3305	100	8	)	)	PUNCT
fsr-3305	100	9	suggest	suggest	VERB
fsr-3305	100	10	conscientious	conscientious	ADJ
fsr-3305	100	11	individuals	individual	NOUN
fsr-3305	100	12	might	might	AUX
fsr-3305	100	13	be	be	AUX
fsr-3305	100	14	more	more	ADV
fsr-3305	100	15	effective	effective	ADJ
fsr-3305	100	16	problem	problem	NOUN
fsr-3305	100	17	solvers	solver	NOUN
fsr-3305	100	18	lead	lead	VERB
fsr-3305	100	19	to	to	ADP
fsr-3305	100	20	better	well	ADJ
fsr-3305	100	21	understating	understating	NOUN
fsr-3305	100	22	of	of	ADP
fsr-3305	100	23	the	the	DET
fsr-3305	100	24	complexities	complexity	NOUN
fsr-3305	100	25	of	of	ADP
fsr-3305	100	26	the	the	DET
fsr-3305	100	27	personal	personal	ADJ
fsr-3305	100	28	financial	financial	ADJ
fsr-3305	100	29	landscape	landscape	NOUN
fsr-3305	100	30	.	.	PUNCT
fsr-3305	101	1	this	this	PRON
fsr-3305	101	2	leads	lead	VERB
fsr-3305	101	3	this	this	DET
fsr-3305	101	4	research	research	NOUN
fsr-3305	101	5	to	to	PART
fsr-3305	101	6	suggest	suggest	VERB
fsr-3305	101	7	that	that	SCONJ
fsr-3305	101	8	conscientiousness	conscientiousness	NOUN
fsr-3305	101	9	will	will	AUX
fsr-3305	101	10	be	be	AUX
fsr-3305	101	11	the	the	DET
fsr-3305	101	12	strongest	strong	ADJ
fsr-3305	101	13	147r.n	147r.n	NUM
fsr-3305	101	14	.	.	PUNCT
fsr-3305	102	1	killins	killins	PROPN
fsr-3305	102	2	/	/	SYM
fsr-3305	102	3	financial	financial	ADJ
fsr-3305	102	4	services	service	NOUN
fsr-3305	102	5	review	review	VERB
fsr-3305	102	6	26	26	NUM
fsr-3305	102	7	(	(	PUNCT
fsr-3305	102	8	2017	2017	NUM
fsr-3305	102	9	)	)	PUNCT
fsr-3305	102	10	143–165	143–165	NUM
fsr-3305	102	11	personality	personality	NOUN
fsr-3305	102	12	trait	trait	NOUN
fsr-3305	102	13	influencing	influence	VERB
fsr-3305	102	14	one	one	NUM
fsr-3305	102	15	’s	’s	PART
fsr-3305	102	16	financial	financial	ADJ
fsr-3305	102	17	literacy	literacy	NOUN
fsr-3305	102	18	and	and	CCONJ
fsr-3305	102	19	suggests	suggest	VERB
fsr-3305	102	20	it	it	PRON
fsr-3305	102	21	will	will	AUX
fsr-3305	102	22	have	have	VERB
fsr-3305	102	23	a	a	DET
fsr-3305	102	24	positive	positive	ADJ
fsr-3305	102	25	impact	impact	NOUN
fsr-3305	102	26	.	.	PUNCT
fsr-3305	103	1	hypothesis	hypothesis	NOUN
fsr-3305	103	2	1	1	NUM
fsr-3305	103	3	:	:	PUNCT
fsr-3305	103	4	individuals	individual	NOUN
fsr-3305	103	5	scoring	score	VERB
fsr-3305	103	6	high	high	ADJ
fsr-3305	103	7	in	in	ADP
fsr-3305	103	8	conscientiousness	conscientiousness	NOUN
fsr-3305	103	9	will	will	AUX
fsr-3305	103	10	score	score	VERB
fsr-3305	103	11	higher	higher	ADV
fsr-3305	103	12	in	in	ADP
fsr-3305	103	13	their	their	PRON
fsr-3305	103	14	overall	overall	ADJ
fsr-3305	103	15	financial	financial	ADJ
fsr-3305	103	16	literacy	literacy	NOUN
fsr-3305	103	17	.	.	PUNCT
fsr-3305	104	1	secondly	secondly	ADV
fsr-3305	104	2	,	,	PUNCT
fsr-3305	104	3	saucier	saucy	ADJ
fsr-3305	104	4	and	and	CCONJ
fsr-3305	104	5	goldberg	goldberg	PROPN
fsr-3305	104	6	(	(	PUNCT
fsr-3305	104	7	1996	1996	NUM
fsr-3305	104	8	)	)	PUNCT
fsr-3305	105	1	drawing	draw	VERB
fsr-3305	105	2	from	from	ADP
fsr-3305	105	3	their	their	PRON
fsr-3305	105	4	research	research	NOUN
fsr-3305	105	5	on	on	ADP
fsr-3305	105	6	the	the	DET
fsr-3305	105	7	big	big	ADJ
fsr-3305	105	8	five	five	NUM
fsr-3305	105	9	trait	trait	NOUN
fsr-3305	105	10	domains	domain	NOUN
fsr-3305	105	11	,	,	PUNCT
fsr-3305	105	12	conceptualized	conceptualize	VERB
fsr-3305	105	13	the	the	DET
fsr-3305	105	14	openness	openness	NOUN
fsr-3305	105	15	domain	domain	NOUN
fsr-3305	105	16	as	as	ADP
fsr-3305	105	17	“	"	PUNCT
fsr-3305	105	18	intellect	intellect	NOUN
fsr-3305	105	19	,	,	PUNCT
fsr-3305	105	20	”	"	PUNCT
fsr-3305	105	21	emphasizing	emphasize	VERB
fsr-3305	105	22	its	its	PRON
fsr-3305	105	23	connection	connection	NOUN
fsr-3305	105	24	to	to	ADP
fsr-3305	105	25	creativity	creativity	NOUN
fsr-3305	105	26	,	,	PUNCT
fsr-3305	105	27	abstract	abstract	ADJ
fsr-3305	105	28	thinking	thinking	NOUN
fsr-3305	105	29	,	,	PUNCT
fsr-3305	105	30	depth	depth	NOUN
fsr-3305	105	31	of	of	ADP
fsr-3305	105	32	thought	thought	NOUN
fsr-3305	105	33	,	,	PUNCT
fsr-3305	105	34	and	and	CCONJ
fsr-3305	105	35	other	other	ADJ
fsr-3305	105	36	intellective	intellective	ADJ
fsr-3305	105	37	qualities	quality	NOUN
fsr-3305	105	38	.	.	PUNCT
fsr-3305	106	1	thus	thus	ADV
fsr-3305	106	2	,	,	PUNCT
fsr-3305	106	3	this	this	DET
fsr-3305	106	4	article	article	NOUN
fsr-3305	106	5	will	will	AUX
fsr-3305	106	6	test	test	VERB
fsr-3305	106	7	the	the	DET
fsr-3305	106	8	impact	impact	NOUN
fsr-3305	106	9	of	of	ADP
fsr-3305	106	10	openness	openness	NOUN
fsr-3305	106	11	on	on	ADP
fsr-3305	106	12	one	one	NUM
fsr-3305	106	13	’s	’s	PART
fsr-3305	106	14	financial	financial	ADJ
fsr-3305	106	15	literacy	literacy	NOUN
fsr-3305	106	16	and	and	CCONJ
fsr-3305	106	17	suggests	suggest	VERB
fsr-3305	106	18	that	that	SCONJ
fsr-3305	106	19	openness	openness	NOUN
fsr-3305	106	20	will	will	AUX
fsr-3305	106	21	have	have	VERB
fsr-3305	106	22	a	a	DET
fsr-3305	106	23	positive	positive	ADJ
fsr-3305	106	24	impact	impact	NOUN
fsr-3305	106	25	.	.	PUNCT
fsr-3305	107	1	hypothesis	hypothesis	NOUN
fsr-3305	107	2	2	2	NUM
fsr-3305	107	3	:	:	PUNCT
fsr-3305	107	4	individuals	individual	NOUN
fsr-3305	107	5	scoring	score	VERB
fsr-3305	107	6	high	high	ADJ
fsr-3305	107	7	in	in	ADP
fsr-3305	107	8	openness	openness	NOUN
fsr-3305	107	9	will	will	AUX
fsr-3305	107	10	score	score	VERB
fsr-3305	107	11	higher	higher	ADV
fsr-3305	107	12	in	in	ADP
fsr-3305	107	13	financial	financial	ADJ
fsr-3305	107	14	literacy	literacy	NOUN
fsr-3305	107	15	.	.	PUNCT
fsr-3305	108	1	finally	finally	ADV
fsr-3305	108	2	,	,	PUNCT
fsr-3305	108	3	connor	connor	PROPN
fsr-3305	108	4	-	-	PUNCT
fsr-3305	108	5	smith	smith	PROPN
fsr-3305	108	6	and	and	CCONJ
fsr-3305	108	7	flachsbart	flachsbart	NOUN
fsr-3305	108	8	(	(	PUNCT
fsr-3305	108	9	2007	2007	NUM
fsr-3305	108	10	)	)	PUNCT
fsr-3305	108	11	found	find	VERB
fsr-3305	108	12	extraversion	extraversion	NOUN
fsr-3305	108	13	was	be	AUX
fsr-3305	108	14	predictive	predictive	ADJ
fsr-3305	108	15	of	of	ADP
fsr-3305	108	16	concrete	concrete	ADJ
fsr-3305	108	17	problem	problem	NOUN
fsr-3305	108	18	-	-	PUNCT
fsr-3305	108	19	solving	solve	VERB
fsr-3305	108	20	skills	skill	NOUN
fsr-3305	108	21	as	as	ADV
fsr-3305	108	22	well	well	ADV
fsr-3305	108	23	as	as	ADP
fsr-3305	108	24	coping	cope	VERB
fsr-3305	108	25	strategies	strategy	NOUN
fsr-3305	108	26	.	.	PUNCT
fsr-3305	109	1	further	far	ADV
fsr-3305	109	2	,	,	PUNCT
fsr-3305	109	3	extroverted	extroverted	ADJ
fsr-3305	109	4	individuals	individual	NOUN
fsr-3305	109	5	,	,	PUNCT
fsr-3305	109	6	who	who	PRON
fsr-3305	109	7	are	be	AUX
fsr-3305	109	8	optimistic	optimistic	ADJ
fsr-3305	109	9	and	and	CCONJ
fsr-3305	109	10	outgoing	outgoing	ADJ
fsr-3305	109	11	,	,	PUNCT
fsr-3305	109	12	can	can	AUX
fsr-3305	109	13	be	be	AUX
fsr-3305	109	14	seen	see	VERB
fsr-3305	109	15	as	as	ADP
fsr-3305	109	16	more	more	ADV
fsr-3305	109	17	likely	likely	ADJ
fsr-3305	109	18	to	to	PART
fsr-3305	109	19	consult	consult	VERB
fsr-3305	109	20	someone	someone	PRON
fsr-3305	109	21	for	for	ADP
fsr-3305	109	22	financial	financial	ADJ
fsr-3305	109	23	advice	advice	NOUN
fsr-3305	109	24	and	and	CCONJ
fsr-3305	109	25	take	take	VERB
fsr-3305	109	26	the	the	DET
fsr-3305	109	27	initiative	initiative	NOUN
fsr-3305	109	28	to	to	PART
fsr-3305	109	29	gather	gather	VERB
fsr-3305	109	30	additional	additional	ADJ
fsr-3305	109	31	resources	resource	NOUN
fsr-3305	109	32	to	to	PART
fsr-3305	109	33	become	become	VERB
fsr-3305	109	34	better	well	ADV
fsr-3305	109	35	informed	inform	VERB
fsr-3305	109	36	.	.	PUNCT
fsr-3305	110	1	thus	thus	ADV
fsr-3305	110	2	,	,	PUNCT
fsr-3305	110	3	the	the	DET
fsr-3305	110	4	third	third	ADJ
fsr-3305	110	5	hypothesis	hypothesis	NOUN
fsr-3305	110	6	suggests	suggest	VERB
fsr-3305	110	7	extroverted	extroverted	ADJ
fsr-3305	110	8	individuals	individual	NOUN
fsr-3305	110	9	will	will	AUX
fsr-3305	110	10	have	have	VERB
fsr-3305	110	11	higher	high	ADJ
fsr-3305	110	12	levels	level	NOUN
fsr-3305	110	13	of	of	ADP
fsr-3305	110	14	financial	financial	ADJ
fsr-3305	110	15	literacy	literacy	NOUN
fsr-3305	110	16	.	.	PUNCT
fsr-3305	111	1	hypothesis	hypothesis	NOUN
fsr-3305	111	2	3	3	NUM
fsr-3305	111	3	:	:	PUNCT
fsr-3305	111	4	individuals	individual	NOUN
fsr-3305	111	5	scoring	score	VERB
fsr-3305	111	6	high	high	ADJ
fsr-3305	111	7	in	in	ADP
fsr-3305	111	8	extroversion	extroversion	NOUN
fsr-3305	111	9	will	will	AUX
fsr-3305	111	10	score	score	VERB
fsr-3305	111	11	higher	higher	ADV
fsr-3305	111	12	in	in	ADP
fsr-3305	111	13	financial	financial	ADJ
fsr-3305	111	14	literacy	literacy	NOUN
fsr-3305	111	15	.	.	PUNCT
fsr-3305	112	1	3	3	X
fsr-3305	112	2	.	.	X
fsr-3305	112	3	data	datum	NOUN
fsr-3305	112	4	this	this	DET
fsr-3305	112	5	study	study	NOUN
fsr-3305	112	6	uses	use	VERB
fsr-3305	112	7	the	the	DET
fsr-3305	112	8	“	"	PUNCT
fsr-3305	112	9	big	big	ADJ
fsr-3305	112	10	five	five	NUM
fsr-3305	112	11	”	"	PUNCT
fsr-3305	112	12	personality	personality	NOUN
fsr-3305	112	13	framework	framework	NOUN
fsr-3305	112	14	to	to	PART
fsr-3305	112	15	capture	capture	VERB
fsr-3305	112	16	the	the	DET
fsr-3305	112	17	personality	personality	NOUN
fsr-3305	112	18	characteristics	characteristic	NOUN
fsr-3305	112	19	of	of	ADP
fsr-3305	112	20	each	each	DET
fsr-3305	112	21	individual	individual	NOUN
fsr-3305	112	22	.	.	PUNCT
fsr-3305	113	1	this	this	DET
fsr-3305	113	2	research	research	NOUN
fsr-3305	113	3	uses	use	VERB
fsr-3305	113	4	five	five	NUM
fsr-3305	113	5	-	-	PUNCT
fsr-3305	113	6	factor	factor	NOUN
fsr-3305	113	7	model	model	NOUN
fsr-3305	113	8	(	(	PUNCT
fsr-3305	113	9	ffm	ffm	NOUN
fsr-3305	113	10	)	)	PUNCT
fsr-3305	113	11	,	,	PUNCT
fsr-3305	113	12	or	or	CCONJ
fsr-3305	113	13	the	the	DET
fsr-3305	113	14	“	"	PUNCT
fsr-3305	113	15	big	big	ADJ
fsr-3305	113	16	five	five	NUM
fsr-3305	113	17	,	,	PUNCT
fsr-3305	113	18	”	"	PUNCT
fsr-3305	113	19	because	because	SCONJ
fsr-3305	113	20	it	it	PRON
fsr-3305	113	21	is	be	AUX
fsr-3305	113	22	,	,	PUNCT
fsr-3305	113	23	unquestionably	unquestionably	ADV
fsr-3305	113	24	,	,	PUNCT
fsr-3305	113	25	the	the	DET
fsr-3305	113	26	most	most	ADV
fsr-3305	113	27	universal	universal	ADJ
fsr-3305	113	28	and	and	CCONJ
fsr-3305	113	29	widely	widely	ADV
fsr-3305	113	30	accepted	accept	VERB
fsr-3305	113	31	trait	trait	NOUN
fsr-3305	113	32	framework	framework	NOUN
fsr-3305	113	33	in	in	ADP
fsr-3305	113	34	the	the	DET
fsr-3305	113	35	history	history	NOUN
fsr-3305	113	36	of	of	ADP
fsr-3305	113	37	personality	personality	NOUN
fsr-3305	113	38	psychology	psychology	NOUN
fsr-3305	113	39	(	(	PUNCT
fsr-3305	113	40	john	john	PROPN
fsr-3305	113	41	&	&	CCONJ
fsr-3305	113	42	srivastava	srivastava	PROPN
fsr-3305	113	43	,	,	PUNCT
fsr-3305	113	44	1999).3	1999).3	NUM
fsr-3305	113	45	specifically	specifically	ADV
fsr-3305	113	46	,	,	PUNCT
fsr-3305	113	47	the	the	DET
fsr-3305	113	48	article	article	NOUN
fsr-3305	113	49	uses	use	VERB
fsr-3305	113	50	the	the	DET
fsr-3305	113	51	44	44	NUM
fsr-3305	113	52	-	-	PUNCT
fsr-3305	113	53	item	item	NOUN
fsr-3305	113	54	inventory	inventory	NOUN
fsr-3305	113	55	(	(	PUNCT
fsr-3305	113	56	version	version	NOUN
fsr-3305	113	57	4a	4a	NOUN
fsr-3305	113	58	and	and	CCONJ
fsr-3305	113	59	54	54	NUM
fsr-3305	113	60	)	)	PUNCT
fsr-3305	113	61	that	that	PRON
fsr-3305	113	62	measures	measure	VERB
fsr-3305	113	63	an	an	DET
fsr-3305	113	64	individual	individual	NOUN
fsr-3305	113	65	on	on	ADP
fsr-3305	113	66	the	the	DET
fsr-3305	113	67	big	big	ADJ
fsr-3305	113	68	five	five	NUM
fsr-3305	113	69	factors	factor	NOUN
fsr-3305	113	70	(	(	PUNCT
fsr-3305	113	71	dimensions	dimension	NOUN
fsr-3305	113	72	)	)	PUNCT
fsr-3305	113	73	of	of	ADP
fsr-3305	113	74	personality.4	personality.4	NOUN
fsr-3305	113	75	the	the	DET
fsr-3305	113	76	first	first	ADJ
fsr-3305	113	77	dimension	dimension	NOUN
fsr-3305	113	78	refers	refer	VERB
fsr-3305	113	79	extraversion	extraversion	NOUN
fsr-3305	113	80	or	or	CCONJ
fsr-3305	113	81	introversion	introversion	NOUN
fsr-3305	113	82	to	to	ADP
fsr-3305	113	83	the	the	DET
fsr-3305	113	84	preference	preference	NOUN
fsr-3305	113	85	of	of	ADP
fsr-3305	113	86	interacting	interact	VERB
fsr-3305	113	87	with	with	ADP
fsr-3305	113	88	others	other	NOUN
fsr-3305	113	89	or	or	CCONJ
fsr-3305	113	90	being	be	AUX
fsr-3305	113	91	alone	alone	ADJ
fsr-3305	113	92	.	.	PUNCT
fsr-3305	114	1	the	the	DET
fsr-3305	114	2	second	second	ADJ
fsr-3305	114	3	agreeableness	agreeableness	NOUN
fsr-3305	114	4	includes	include	VERB
fsr-3305	114	5	trust	trust	NOUN
fsr-3305	114	6	,	,	PUNCT
fsr-3305	114	7	moderation	moderation	NOUN
fsr-3305	114	8	,	,	PUNCT
fsr-3305	114	9	altruism	altruism	NOUN
fsr-3305	114	10	,	,	PUNCT
fsr-3305	114	11	cooperativeness	cooperativeness	NOUN
fsr-3305	114	12	,	,	PUNCT
fsr-3305	114	13	modesty	modesty	NOUN
fsr-3305	114	14	and	and	CCONJ
fsr-3305	114	15	kindness	kindness	NOUN
fsr-3305	114	16	or	or	CCONJ
fsr-3305	114	17	compassion	compassion	NOUN
fsr-3305	114	18	(	(	PUNCT
fsr-3305	114	19	mccrae	mccrae	PROPN
fsr-3305	114	20	&	&	CCONJ
fsr-3305	114	21	costa	costa	PROPN
fsr-3305	114	22	,	,	PUNCT
fsr-3305	114	23	2010	2010	NUM
fsr-3305	114	24	)	)	PUNCT
fsr-3305	114	25	.	.	PUNCT
fsr-3305	115	1	the	the	DET
fsr-3305	115	2	third	third	ADJ
fsr-3305	115	3	conscientiousness	conscientiousness	NOUN
fsr-3305	115	4	involves	involve	VERB
fsr-3305	115	5	competence	competence	NOUN
fsr-3305	115	6	,	,	PUNCT
fsr-3305	115	7	order	order	NOUN
fsr-3305	115	8	,	,	PUNCT
fsr-3305	115	9	sense	sense	NOUN
fsr-3305	115	10	of	of	ADP
fsr-3305	115	11	duty	duty	NOUN
fsr-3305	115	12	,	,	PUNCT
fsr-3305	115	13	a	a	DET
fsr-3305	115	14	tendency	tendency	NOUN
fsr-3305	115	15	toward	toward	ADP
fsr-3305	115	16	achievement	achievement	NOUN
fsr-3305	115	17	,	,	PUNCT
fsr-3305	115	18	self	self	NOUN
fsr-3305	115	19	-	-	PUNCT
fsr-3305	115	20	discipline	discipline	NOUN
fsr-3305	115	21	,	,	PUNCT
fsr-3305	115	22	and	and	CCONJ
fsr-3305	115	23	cautiousness	cautiousness	NOUN
fsr-3305	115	24	.	.	PUNCT
fsr-3305	116	1	this	this	DET
fsr-3305	116	2	dimension	dimension	NOUN
fsr-3305	116	3	has	have	AUX
fsr-3305	116	4	been	be	AUX
fsr-3305	116	5	associated	associate	VERB
fsr-3305	116	6	with	with	ADP
fsr-3305	116	7	academic	academic	ADJ
fsr-3305	116	8	success	success	NOUN
fsr-3305	116	9	(	(	PUNCT
fsr-3305	116	10	mccrae	mccrae	PROPN
fsr-3305	116	11	&	&	CCONJ
fsr-3305	116	12	costa	costa	PROPN
fsr-3305	116	13	,	,	PUNCT
fsr-3305	116	14	2010	2010	NUM
fsr-3305	116	15	)	)	PUNCT
fsr-3305	116	16	.	.	PUNCT
fsr-3305	117	1	the	the	DET
fsr-3305	117	2	fourth	fourth	ADJ
fsr-3305	117	3	neuroticism	neuroticism	NOUN
fsr-3305	117	4	is	be	AUX
fsr-3305	117	5	defined	define	VERB
fsr-3305	117	6	as	as	ADP
fsr-3305	117	7	a	a	DET
fsr-3305	117	8	personality	personality	NOUN
fsr-3305	117	9	dimension	dimension	NOUN
fsr-3305	117	10	characterized	characterize	VERB
fsr-3305	117	11	by	by	ADP
fsr-3305	117	12	a	a	DET
fsr-3305	117	13	tendency	tendency	NOUN
fsr-3305	117	14	to	to	PART
fsr-3305	117	15	experience	experience	VERB
fsr-3305	117	16	negative	negative	ADJ
fsr-3305	117	17	emotions	emotion	NOUN
fsr-3305	117	18	and	and	CCONJ
fsr-3305	117	19	is	be	AUX
fsr-3305	117	20	associated	associate	VERB
fsr-3305	117	21	with	with	ADP
fsr-3305	117	22	emotional	emotional	ADJ
fsr-3305	117	23	distress	distress	NOUN
fsr-3305	117	24	or	or	CCONJ
fsr-3305	117	25	negative	negative	ADJ
fsr-3305	117	26	effect	effect	NOUN
fsr-3305	117	27	.	.	PUNCT
fsr-3305	118	1	people	people	NOUN
fsr-3305	118	2	scoring	score	VERB
fsr-3305	118	3	high	high	ADJ
fsr-3305	118	4	in	in	ADP
fsr-3305	118	5	neuroticism	neuroticism	NOUN
fsr-3305	118	6	report	report	VERB
fsr-3305	118	7	greater	great	ADJ
fsr-3305	118	8	anxiety	anxiety	NOUN
fsr-3305	118	9	,	,	PUNCT
fsr-3305	118	10	depression	depression	NOUN
fsr-3305	118	11	,	,	PUNCT
fsr-3305	118	12	hostile	hostile	ADJ
fsr-3305	118	13	anger	anger	NOUN
fsr-3305	118	14	,	,	PUNCT
fsr-3305	118	15	impulsiveness	impulsiveness	NOUN
fsr-3305	118	16	,	,	PUNCT
fsr-3305	118	17	self	self	NOUN
fsr-3305	118	18	-	-	PUNCT
fsr-3305	118	19	consciousness	consciousness	NOUN
fsr-3305	118	20	,	,	PUNCT
fsr-3305	118	21	and	and	CCONJ
fsr-3305	118	22	emotional	emotional	ADJ
fsr-3305	118	23	vulnerability	vulnerability	NOUN
fsr-3305	118	24	.	.	PUNCT
fsr-3305	119	1	the	the	DET
fsr-3305	119	2	fifth	fifth	ADJ
fsr-3305	119	3	openness	openness	NOUN
fsr-3305	119	4	includes	include	VERB
fsr-3305	119	5	esthetic	esthetic	ADJ
fsr-3305	119	6	openness	openness	NOUN
fsr-3305	119	7	and	and	CCONJ
fsr-3305	119	8	openness	openness	NOUN
fsr-3305	119	9	to	to	ADP
fsr-3305	119	10	feelings	feeling	NOUN
fsr-3305	119	11	,	,	PUNCT
fsr-3305	119	12	activities	activity	NOUN
fsr-3305	119	13	,	,	PUNCT
fsr-3305	119	14	ideas	idea	NOUN
fsr-3305	119	15	,	,	PUNCT
fsr-3305	119	16	and	and	CCONJ
fsr-3305	119	17	values	value	NOUN
fsr-3305	119	18	(	(	PUNCT
fsr-3305	119	19	mccrae	mccrae	PROPN
fsr-3305	119	20	&	&	CCONJ
fsr-3305	119	21	costa	costa	PROPN
fsr-3305	119	22	,	,	PUNCT
fsr-3305	119	23	2010	2010	NUM
fsr-3305	119	24	)	)	PUNCT
fsr-3305	119	25	.	.	PUNCT
fsr-3305	120	1	following	follow	VERB
fsr-3305	120	2	the	the	DET
fsr-3305	120	3	standard	standard	ADJ
fsr-3305	120	4	approach	approach	NOUN
fsr-3305	120	5	in	in	ADP
fsr-3305	120	6	the	the	DET
fsr-3305	120	7	literature	literature	NOUN
fsr-3305	120	8	this	this	DET
fsr-3305	120	9	research	research	NOUN
fsr-3305	120	10	creates	create	VERB
fsr-3305	120	11	the	the	DET
fsr-3305	120	12	standardized	standardized	ADJ
fsr-3305	120	13	cronbach	cronbach	ADJ
fsr-3305	120	14	alpha	alpha	NOUN
fsr-3305	120	15	reliability	reliability	NOUN
fsr-3305	120	16	index	index	NOUN
fsr-3305	120	17	to	to	PART
fsr-3305	120	18	assess	assess	VERB
fsr-3305	120	19	the	the	DET
fsr-3305	120	20	internal	internal	ADJ
fsr-3305	120	21	consistency	consistency	NOUN
fsr-3305	120	22	of	of	ADP
fsr-3305	120	23	the	the	DET
fsr-3305	120	24	five	five	NUM
fsr-3305	120	25	items	item	NOUN
fsr-3305	120	26	,	,	PUNCT
fsr-3305	120	27	leading	lead	VERB
fsr-3305	120	28	to	to	ADP
fsr-3305	120	29	the	the	DET
fsr-3305	120	30	following	follow	VERB
fsr-3305	120	31	reliability	reliability	NOUN
fsr-3305	120	32	measures	measure	NOUN
fsr-3305	120	33	for	for	ADP
fsr-3305	120	34	the	the	DET
fsr-3305	120	35	sample	sample	NOUN
fsr-3305	120	36	:	:	PUNCT
fsr-3305	120	37	conscientiousness	conscientiousness	NOUN
fsr-3305	120	38	(	(	PUNCT
fsr-3305	120	39	0.77	0.77	NUM
fsr-3305	120	40	)	)	PUNCT
fsr-3305	120	41	,	,	PUNCT
fsr-3305	120	42	extraversion	extraversion	NOUN
fsr-3305	120	43	(	(	PUNCT
fsr-3305	120	44	0.86	0.86	NUM
fsr-3305	120	45	)	)	PUNCT
fsr-3305	120	46	,	,	PUNCT
fsr-3305	120	47	agreeableness	agreeableness	NOUN
fsr-3305	120	48	(	(	PUNCT
fsr-3305	120	49	0.75	0.75	NUM
fsr-3305	120	50	)	)	PUNCT
fsr-3305	120	51	,	,	PUNCT
fsr-3305	120	52	neuroticism	neuroticism	NOUN
fsr-3305	120	53	(	(	PUNCT
fsr-3305	120	54	0.81	0.81	NUM
fsr-3305	120	55	)	)	PUNCT
fsr-3305	120	56	,	,	PUNCT
fsr-3305	120	57	and	and	CCONJ
fsr-3305	120	58	openness	openness	NOUN
fsr-3305	120	59	(	(	PUNCT
fsr-3305	120	60	0.73	0.73	NUM
fsr-3305	120	61	)	)	PUNCT
fsr-3305	120	62	.	.	PUNCT
fsr-3305	121	1	these	these	DET
fsr-3305	121	2	diagnostic	diagnostic	ADJ
fsr-3305	121	3	measures	measure	NOUN
fsr-3305	121	4	of	of	ADP
fsr-3305	121	5	148	148	NUM
fsr-3305	121	6	r.n	r.n	PROPN
fsr-3305	121	7	.	.	PROPN
fsr-3305	121	8	killins	killins	PROPN
fsr-3305	121	9	/	/	SYM
fsr-3305	121	10	financial	financial	ADJ
fsr-3305	121	11	services	service	NOUN
fsr-3305	121	12	review	review	VERB
fsr-3305	121	13	26	26	NUM
fsr-3305	121	14	(	(	PUNCT
fsr-3305	121	15	2017	2017	NUM
fsr-3305	121	16	)	)	PUNCT
fsr-3305	121	17	143–165	143–165	NUM
fsr-3305	121	18	reliability	reliability	NOUN
fsr-3305	121	19	fall	fall	NOUN
fsr-3305	121	20	within	within	ADP
fsr-3305	121	21	the	the	DET
fsr-3305	121	22	previous	previous	ADJ
fsr-3305	121	23	reliability	reliability	NOUN
fsr-3305	121	24	findings	finding	NOUN
fsr-3305	121	25	of	of	ADP
fsr-3305	121	26	the	the	DET
fsr-3305	121	27	various	various	ADJ
fsr-3305	121	28	big	big	ADJ
fsr-3305	121	29	five	five	NUM
fsr-3305	121	30	personality	personality	NOUN
fsr-3305	121	31	traits	trait	VERB
fsr-3305	121	32	surveys	survey	NOUN
fsr-3305	121	33	and	and	CCONJ
fsr-3305	121	34	provide	provide	VERB
fsr-3305	121	35	confidence	confidence	NOUN
fsr-3305	121	36	(	(	PUNCT
fsr-3305	121	37	above	above	ADP
fsr-3305	121	38	0.70	0.70	NUM
fsr-3305	121	39	)	)	PUNCT
fsr-3305	121	40	of	of	ADP
fsr-3305	121	41	the	the	DET
fsr-3305	121	42	reliability	reliability	NOUN
fsr-3305	121	43	of	of	ADP
fsr-3305	121	44	the	the	DET
fsr-3305	121	45	assessment	assessment	NOUN
fsr-3305	121	46	in	in	ADP
fsr-3305	121	47	this	this	DET
fsr-3305	121	48	study	study	NOUN
fsr-3305	121	49	.	.	PUNCT
fsr-3305	122	1	the	the	DET
fsr-3305	122	2	financial	financial	ADJ
fsr-3305	122	3	literacy	literacy	NOUN
fsr-3305	122	4	questions	question	NOUN
fsr-3305	122	5	were	be	AUX
fsr-3305	122	6	developed	develop	VERB
fsr-3305	122	7	by	by	ADP
fsr-3305	122	8	the	the	DET
fsr-3305	122	9	author	author	NOUN
fsr-3305	122	10	by	by	ADP
fsr-3305	122	11	incorporating	incorporate	VERB
fsr-3305	122	12	previous	previous	ADJ
fsr-3305	122	13	financial	financial	ADJ
fsr-3305	122	14	literacy	literacy	NOUN
fsr-3305	122	15	surveys	survey	NOUN
fsr-3305	122	16	such	such	ADJ
fsr-3305	122	17	canadian	canadian	ADJ
fsr-3305	122	18	financial	financial	ADJ
fsr-3305	122	19	capabilities	capability	NOUN
fsr-3305	122	20	survey	survey	NOUN
fsr-3305	122	21	(	(	PUNCT
fsr-3305	122	22	cfsc	cfsc	X
fsr-3305	122	23	)	)	PUNCT
fsr-3305	122	24	conducted	conduct	VERB
fsr-3305	122	25	by	by	ADP
fsr-3305	122	26	statistics	statistic	NOUN
fsr-3305	122	27	canada5	canada5	PROPN
fsr-3305	122	28	along	along	ADP
fsr-3305	122	29	with	with	ADP
fsr-3305	122	30	academic	academic	ADJ
fsr-3305	122	31	studies	study	NOUN
fsr-3305	122	32	by	by	ADP
fsr-3305	122	33	chen	chen	PROPN
fsr-3305	122	34	and	and	CCONJ
fsr-3305	122	35	volpe	volpe	PROPN
fsr-3305	122	36	(	(	PUNCT
fsr-3305	122	37	1998	1998	NUM
fsr-3305	122	38	)	)	PUNCT
fsr-3305	122	39	and	and	CCONJ
fsr-3305	122	40	lusardi	lusardi	PROPN
fsr-3305	122	41	(	(	PUNCT
fsr-3305	122	42	2015	2015	NUM
fsr-3305	122	43	)	)	PUNCT
fsr-3305	122	44	.	.	PUNCT
fsr-3305	123	1	this	this	DET
fsr-3305	123	2	new	new	ADJ
fsr-3305	123	3	survey	survey	NOUN
fsr-3305	123	4	measures	measure	NOUN
fsr-3305	123	5	not	not	PART
fsr-3305	123	6	only	only	ADV
fsr-3305	123	7	the	the	DET
fsr-3305	123	8	overall	overall	ADJ
fsr-3305	123	9	financial	financial	ADJ
fsr-3305	123	10	literacy	literacy	NOUN
fsr-3305	123	11	of	of	ADP
fsr-3305	123	12	an	an	DET
fsr-3305	123	13	individual	individual	NOUN
fsr-3305	123	14	but	but	CCONJ
fsr-3305	123	15	also	also	ADV
fsr-3305	123	16	how	how	SCONJ
fsr-3305	123	17	knowledgeable	knowledgeable	ADJ
fsr-3305	123	18	a	a	DET
fsr-3305	123	19	participant	participant	NOUN
fsr-3305	123	20	is	be	AUX
fsr-3305	123	21	in	in	ADP
fsr-3305	123	22	the	the	DET
fsr-3305	123	23	different	different	ADJ
fsr-3305	123	24	subcategories	subcategorie	NOUN
fsr-3305	123	25	of	of	ADP
fsr-3305	123	26	financial	financial	ADJ
fsr-3305	123	27	literacy	literacy	NOUN
fsr-3305	123	28	that	that	PRON
fsr-3305	123	29	include	include	VERB
fsr-3305	123	30	;	;	PUNCT
fsr-3305	123	31	investments	investment	NOUN
fsr-3305	123	32	,	,	PUNCT
fsr-3305	123	33	budgeting	budgeting	NOUN
fsr-3305	123	34	,	,	PUNCT
fsr-3305	123	35	economics	economic	NOUN
fsr-3305	123	36	,	,	PUNCT
fsr-3305	123	37	risk	risk	NOUN
fsr-3305	123	38	management	management	NOUN
fsr-3305	123	39	,	,	PUNCT
fsr-3305	123	40	and	and	CCONJ
fsr-3305	123	41	retirement	retirement	NOUN
fsr-3305	123	42	planning	planning	NOUN
fsr-3305	123	43	.	.	PUNCT
fsr-3305	124	1	thus	thus	ADV
fsr-3305	124	2	,	,	PUNCT
fsr-3305	124	3	this	this	DET
fsr-3305	124	4	survey	survey	NOUN
fsr-3305	124	5	provides	provide	VERB
fsr-3305	124	6	further	further	ADJ
fsr-3305	124	7	details	detail	NOUN
fsr-3305	124	8	into	into	ADP
fsr-3305	124	9	the	the	DET
fsr-3305	124	10	strengths	strength	NOUN
fsr-3305	124	11	and	and	CCONJ
fsr-3305	124	12	weaknesses	weakness	NOUN
fsr-3305	124	13	that	that	PRON
fsr-3305	124	14	individuals	individual	NOUN
fsr-3305	124	15	may	may	AUX
fsr-3305	124	16	have	have	VERB
fsr-3305	124	17	in	in	ADP
fsr-3305	124	18	regards	regard	NOUN
fsr-3305	124	19	to	to	ADP
fsr-3305	124	20	their	their	PRON
fsr-3305	124	21	financial	financial	ADJ
fsr-3305	124	22	knowledge	knowledge	NOUN
fsr-3305	124	23	and	and	CCONJ
fsr-3305	124	24	allows	allow	VERB
fsr-3305	124	25	policymakers	policymaker	NOUN
fsr-3305	124	26	,	,	PUNCT
fsr-3305	124	27	practitioners	practitioner	NOUN
fsr-3305	124	28	,	,	PUNCT
fsr-3305	124	29	and	and	CCONJ
fsr-3305	124	30	educators	educator	NOUN
fsr-3305	124	31	to	to	PART
fsr-3305	124	32	potentially	potentially	ADV
fsr-3305	124	33	focus	focus	VERB
fsr-3305	124	34	more	more	ADJ
fsr-3305	124	35	resources	resource	NOUN
fsr-3305	124	36	on	on	ADP
fsr-3305	124	37	specific	specific	ADJ
fsr-3305	124	38	areas	area	NOUN
fsr-3305	124	39	of	of	ADP
fsr-3305	124	40	the	the	DET
fsr-3305	124	41	financial	financial	ADJ
fsr-3305	124	42	services	service	NOUN
fsr-3305	124	43	environment	environment	NOUN
fsr-3305	124	44	(	(	PUNCT
fsr-3305	124	45	see	see	VERB
fsr-3305	124	46	appendix	appendix	NOUN
fsr-3305	124	47	for	for	ADP
fsr-3305	124	48	financial	financial	ADJ
fsr-3305	124	49	literacy	literacy	NOUN
fsr-3305	124	50	survey	survey	NOUN
fsr-3305	124	51	)	)	PUNCT
fsr-3305	124	52	.	.	PUNCT
fsr-3305	125	1	the	the	DET
fsr-3305	125	2	data	datum	NOUN
fsr-3305	125	3	from	from	ADP
fsr-3305	125	4	the	the	DET
fsr-3305	125	5	survey	survey	NOUN
fsr-3305	125	6	was	be	AUX
fsr-3305	125	7	collected	collect	VERB
fsr-3305	125	8	via	via	ADP
fsr-3305	125	9	two	two	NUM
fsr-3305	125	10	different	different	ADJ
fsr-3305	125	11	college	college	NOUN
fsr-3305	125	12	campuses	campus	NOUN
fsr-3305	125	13	in	in	ADP
fsr-3305	125	14	canada	canada	PROPN
fsr-3305	125	15	during	during	ADP
fsr-3305	125	16	october	october	PROPN
fsr-3305	125	17	2016	2016	NUM
fsr-3305	125	18	and	and	CCONJ
fsr-3305	125	19	april	april	PROPN
fsr-3305	125	20	2017	2017	NUM
fsr-3305	125	21	.	.	PUNCT
fsr-3305	126	1	both	both	DET
fsr-3305	126	2	schools	school	NOUN
fsr-3305	126	3	were	be	AUX
fsr-3305	126	4	located	locate	VERB
fsr-3305	126	5	in	in	ADP
fsr-3305	126	6	large	large	ADJ
fsr-3305	126	7	metropolitan	metropolitan	ADJ
fsr-3305	126	8	centers	center	NOUN
fsr-3305	126	9	and	and	CCONJ
fsr-3305	126	10	benefited	benefit	VERB
fsr-3305	126	11	from	from	ADP
fsr-3305	126	12	a	a	DET
fsr-3305	126	13	broad	broad	ADJ
fsr-3305	126	14	range	range	NOUN
fsr-3305	126	15	of	of	ADP
fsr-3305	126	16	ethnic	ethnic	ADJ
fsr-3305	126	17	diversity	diversity	NOUN
fsr-3305	126	18	,	,	PUNCT
fsr-3305	126	19	educational	educational	ADJ
fsr-3305	126	20	backgrounds	background	NOUN
fsr-3305	126	21	,	,	PUNCT
fsr-3305	126	22	and	and	CCONJ
fsr-3305	126	23	prior	prior	ADJ
fsr-3305	126	24	financial	financial	ADJ
fsr-3305	126	25	experiences	experience	NOUN
fsr-3305	126	26	.	.	PUNCT
fsr-3305	127	1	in	in	ADP
fsr-3305	127	2	total	total	ADJ
fsr-3305	127	3	,	,	PUNCT
fsr-3305	127	4	157	157	NUM
fsr-3305	127	5	individuals	individual	NOUN
fsr-3305	127	6	participated	participate	VERB
fsr-3305	127	7	in	in	ADP
fsr-3305	127	8	the	the	DET
fsr-3305	127	9	study	study	NOUN
fsr-3305	127	10	in	in	ADP
fsr-3305	127	11	which	which	PRON
fsr-3305	127	12	149	149	NUM
fsr-3305	127	13	of	of	ADP
fsr-3305	127	14	these	these	PRON
fsr-3305	127	15	were	be	AUX
fsr-3305	127	16	able	able	ADJ
fsr-3305	127	17	to	to	PART
fsr-3305	127	18	be	be	AUX
fsr-3305	127	19	used	use	VERB
fsr-3305	127	20	(	(	PUNCT
fsr-3305	127	21	eight	eight	NUM
fsr-3305	127	22	incomplete	incomplete	ADJ
fsr-3305	127	23	surveys	survey	NOUN
fsr-3305	127	24	)	)	PUNCT
fsr-3305	127	25	.	.	PUNCT
fsr-3305	128	1	while	while	SCONJ
fsr-3305	128	2	the	the	DET
fsr-3305	128	3	sample	sample	NOUN
fsr-3305	128	4	size	size	NOUN
fsr-3305	128	5	is	be	AUX
fsr-3305	128	6	somewhat	somewhat	ADV
fsr-3305	128	7	smaller	small	ADJ
fsr-3305	128	8	than	than	ADP
fsr-3305	128	9	other	other	ADJ
fsr-3305	128	10	studies	study	NOUN
fsr-3305	128	11	using	use	VERB
fsr-3305	128	12	national	national	ADJ
fsr-3305	128	13	datasets	dataset	NOUN
fsr-3305	128	14	,	,	PUNCT
fsr-3305	128	15	the	the	DET
fsr-3305	128	16	power	power	NOUN
fsr-3305	128	17	and	and	CCONJ
fsr-3305	128	18	generalizability	generalizability	NOUN
fsr-3305	128	19	of	of	ADP
fsr-3305	128	20	this	this	DET
fsr-3305	128	21	study	study	NOUN
fsr-3305	128	22	remain	remain	VERB
fsr-3305	128	23	robust	robust	ADJ
fsr-3305	128	24	with	with	ADP
fsr-3305	128	25	the	the	DET
fsr-3305	128	26	inclusion	inclusion	NOUN
fsr-3305	128	27	of	of	ADP
fsr-3305	128	28	four	four	NUM
fsr-3305	128	29	(	(	PUNCT
fsr-3305	128	30	base	base	NOUN
fsr-3305	128	31	model	model	NOUN
fsr-3305	128	32	)	)	PUNCT
fsr-3305	128	33	and	and	CCONJ
fsr-3305	128	34	nine	nine	NUM
fsr-3305	128	35	(	(	PUNCT
fsr-3305	128	36	full	full	ADJ
fsr-3305	128	37	model	model	NOUN
fsr-3305	128	38	)	)	PUNCT
fsr-3305	128	39	independent	independent	ADJ
fsr-3305	128	40	variables.6	variables.6	PROPN
fsr-3305	128	41	table	table	NOUN
fsr-3305	128	42	1	1	NUM
fsr-3305	128	43	shows	show	VERB
fsr-3305	128	44	the	the	DET
fsr-3305	128	45	descriptive	descriptive	ADJ
fsr-3305	128	46	statistics	statistic	NOUN
fsr-3305	128	47	of	of	ADP
fsr-3305	128	48	the	the	DET
fsr-3305	128	49	variables	variable	NOUN
fsr-3305	128	50	used	use	VERB
fsr-3305	128	51	in	in	ADP
fsr-3305	128	52	the	the	DET
fsr-3305	128	53	study	study	NOUN
fsr-3305	128	54	.	.	PUNCT
fsr-3305	129	1	panel	panel	NOUN
fsr-3305	129	2	a	a	DET
fsr-3305	129	3	of	of	ADP
fsr-3305	129	4	table	table	NOUN
fsr-3305	129	5	1	1	NUM
fsr-3305	129	6	illustrates	illustrate	VERB
fsr-3305	129	7	the	the	DET
fsr-3305	129	8	distribution	distribution	NOUN
fsr-3305	129	9	of	of	ADP
fsr-3305	129	10	individuals	individual	NOUN
fsr-3305	129	11	based	base	VERB
fsr-3305	129	12	on	on	ADP
fsr-3305	129	13	gender	gender	NOUN
fsr-3305	129	14	,	,	PUNCT
fsr-3305	129	15	race	race	NOUN
fsr-3305	129	16	,	,	PUNCT
fsr-3305	129	17	and	and	CCONJ
fsr-3305	129	18	employment	employment	NOUN
fsr-3305	129	19	status	status	NOUN
fsr-3305	129	20	.	.	PUNCT
fsr-3305	130	1	panel	panel	NOUN
fsr-3305	130	2	b	b	PROPN
fsr-3305	130	3	of	of	ADP
fsr-3305	130	4	table	table	NOUN
fsr-3305	130	5	1	1	NUM
fsr-3305	130	6	outlines	outline	VERB
fsr-3305	130	7	the	the	DET
fsr-3305	130	8	financial	financial	ADJ
fsr-3305	130	9	literacy	literacy	NOUN
fsr-3305	130	10	and	and	CCONJ
fsr-3305	130	11	big	big	ADJ
fsr-3305	130	12	five	five	NUM
fsr-3305	130	13	personality	personality	NOUN
fsr-3305	130	14	variables	variable	NOUN
fsr-3305	130	15	.	.	PUNCT
fsr-3305	131	1	the	the	DET
fsr-3305	131	2	personality	personality	NOUN
fsr-3305	131	3	traits	trait	NOUN
fsr-3305	131	4	are	be	AUX
fsr-3305	131	5	ranked	rank	VERB
fsr-3305	131	6	on	on	ADP
fsr-3305	131	7	a	a	DET
fsr-3305	131	8	five	five	NUM
fsr-3305	131	9	-	-	PUNCT
fsr-3305	131	10	point	point	NOUN
fsr-3305	131	11	scale	scale	NOUN
fsr-3305	131	12	,	,	PUNCT
fsr-3305	131	13	and	and	CCONJ
fsr-3305	131	14	the	the	DET
fsr-3305	131	15	data	data	NOUN
fsr-3305	131	16	suggests	suggest	VERB
fsr-3305	131	17	we	we	PRON
fsr-3305	131	18	have	have	VERB
fsr-3305	131	19	a	a	DET
fsr-3305	131	20	wide	wide	ADJ
fsr-3305	131	21	variety	variety	NOUN
fsr-3305	131	22	of	of	ADP
fsr-3305	131	23	different	different	ADJ
fsr-3305	131	24	personality	personality	NOUN
fsr-3305	131	25	traits	trait	NOUN
fsr-3305	131	26	across	across	ADP
fsr-3305	131	27	individuals	individual	NOUN
fsr-3305	131	28	in	in	ADP
fsr-3305	131	29	the	the	DET
fsr-3305	131	30	study	study	NOUN
fsr-3305	131	31	.	.	PUNCT
fsr-3305	132	1	the	the	DET
fsr-3305	132	2	first	first	ADJ
fsr-3305	132	3	financial	financial	ADJ
fsr-3305	132	4	literacy	literacy	NOUN
fsr-3305	132	5	variable	variable	NOUN
fsr-3305	132	6	(	(	PUNCT
fsr-3305	132	7	flo	flo	ADJ
fsr-3305	132	8	)	)	PUNCT
fsr-3305	132	9	indicates	indicate	VERB
fsr-3305	132	10	that	that	SCONJ
fsr-3305	132	11	the	the	DET
fsr-3305	132	12	highest	high	ADJ
fsr-3305	132	13	score	score	NOUN
fsr-3305	132	14	recorded	record	VERB
fsr-3305	132	15	on	on	ADP
fsr-3305	132	16	the	the	DET
fsr-3305	132	17	financial	financial	ADJ
fsr-3305	132	18	literacy	literacy	NOUN
fsr-3305	132	19	survey	survey	NOUN
fsr-3305	132	20	was	be	AUX
fsr-3305	132	21	97	97	NUM
fsr-3305	132	22	%	%	NOUN
fsr-3305	132	23	and	and	CCONJ
fsr-3305	132	24	the	the	DET
fsr-3305	132	25	lowest	low	ADJ
fsr-3305	132	26	only	only	ADV
fsr-3305	132	27	21	21	NUM
fsr-3305	132	28	%	%	NOUN
fsr-3305	132	29	with	with	ADP
fsr-3305	132	30	a	a	DET
fsr-3305	132	31	mean	mean	ADJ
fsr-3305	132	32	score	score	NOUN
fsr-3305	132	33	of	of	ADP
fsr-3305	132	34	67	67	NUM
fsr-3305	132	35	%	%	NOUN
fsr-3305	132	36	.	.	PUNCT
fsr-3305	133	1	out	out	ADP
fsr-3305	133	2	of	of	ADP
fsr-3305	133	3	the	the	DET
fsr-3305	133	4	five	five	NUM
fsr-3305	133	5	different	different	ADJ
fsr-3305	133	6	subcategories	subcategorie	NOUN
fsr-3305	133	7	of	of	ADP
fsr-3305	133	8	financial	financial	ADJ
fsr-3305	133	9	literacy	literacy	NOUN
fsr-3305	133	10	,	,	PUNCT
fsr-3305	133	11	participates	participate	VERB
fsr-3305	133	12	scored	score	VERB
fsr-3305	133	13	well	well	ADV
fsr-3305	133	14	in	in	ADP
fsr-3305	133	15	budgeting	budgeting	NOUN
fsr-3305	133	16	,	,	PUNCT
fsr-3305	133	17	economics	economic	NOUN
fsr-3305	133	18	,	,	PUNCT
fsr-3305	133	19	and	and	CCONJ
fsr-3305	133	20	risk	risk	NOUN
fsr-3305	133	21	management	management	NOUN
fsr-3305	133	22	but	but	CCONJ
fsr-3305	133	23	are	be	AUX
fsr-3305	133	24	weaker	weak	ADJ
fsr-3305	133	25	in	in	ADP
fsr-3305	133	26	categories	category	NOUN
fsr-3305	133	27	of	of	ADP
fsr-3305	133	28	investments	investment	NOUN
fsr-3305	133	29	and	and	CCONJ
fsr-3305	133	30	retirement	retirement	NOUN
fsr-3305	133	31	planning	planning	NOUN
fsr-3305	133	32	.	.	PUNCT
fsr-3305	134	1	table	table	NOUN
fsr-3305	134	2	2	2	NUM
fsr-3305	134	3	documents	document	NOUN
fsr-3305	134	4	the	the	DET
fsr-3305	134	5	correlation	correlation	NOUN
fsr-3305	134	6	matrix	matrix	NOUN
fsr-3305	134	7	for	for	ADP
fsr-3305	134	8	the	the	DET
fsr-3305	134	9	financial	financial	ADJ
fsr-3305	134	10	literacy	literacy	NOUN
fsr-3305	134	11	and	and	CCONJ
fsr-3305	134	12	personality	personality	NOUN
fsr-3305	134	13	measures	measure	NOUN
fsr-3305	134	14	.	.	PUNCT
fsr-3305	135	1	high	high	ADJ
fsr-3305	135	2	degrees	degree	NOUN
fsr-3305	135	3	of	of	ADP
fsr-3305	135	4	correlation	correlation	NOUN
fsr-3305	135	5	exists	exist	VERB
fsr-3305	135	6	between	between	ADP
fsr-3305	135	7	the	the	DET
fsr-3305	135	8	financial	financial	ADJ
fsr-3305	135	9	literacy	literacy	NOUN
fsr-3305	135	10	variables	variable	NOUN
fsr-3305	135	11	,	,	PUNCT
fsr-3305	135	12	but	but	CCONJ
fsr-3305	135	13	little	little	ADJ
fsr-3305	135	14	correlation	correlation	NOUN
fsr-3305	135	15	is	be	AUX
fsr-3305	135	16	shown	show	VERB
fsr-3305	135	17	between	between	ADP
fsr-3305	135	18	the	the	DET
fsr-3305	135	19	big	big	ADJ
fsr-3305	135	20	five	five	NUM
fsr-3305	135	21	personality	personality	NOUN
fsr-3305	135	22	traits	trait	NOUN
fsr-3305	135	23	that	that	PRON
fsr-3305	135	24	will	will	AUX
fsr-3305	135	25	be	be	AUX
fsr-3305	135	26	included	include	VERB
fsr-3305	135	27	as	as	ADP
fsr-3305	135	28	independent	independent	ADJ
fsr-3305	135	29	variables	variable	NOUN
fsr-3305	135	30	in	in	ADP
fsr-3305	135	31	the	the	DET
fsr-3305	135	32	regression	regression	NOUN
fsr-3305	135	33	which	which	PRON
fsr-3305	135	34	should	should	AUX
fsr-3305	135	35	lead	lead	VERB
fsr-3305	135	36	to	to	ADP
fsr-3305	135	37	robust	robust	ADJ
fsr-3305	135	38	results	result	NOUN
fsr-3305	135	39	.	.	PUNCT
fsr-3305	136	1	4	4	X
fsr-3305	136	2	.	.	X
fsr-3305	136	3	empirical	empirical	ADJ
fsr-3305	136	4	methodology	methodology	NOUN
fsr-3305	136	5	this	this	DET
fsr-3305	136	6	study	study	NOUN
fsr-3305	136	7	uses	use	VERB
fsr-3305	136	8	a	a	DET
fsr-3305	136	9	multiple	multiple	ADJ
fsr-3305	136	10	regression	regression	NOUN
fsr-3305	136	11	approach	approach	NOUN
fsr-3305	136	12	to	to	PART
fsr-3305	136	13	investigate	investigate	VERB
fsr-3305	136	14	the	the	DET
fsr-3305	136	15	impact	impact	NOUN
fsr-3305	136	16	personality	personality	NOUN
fsr-3305	136	17	traits	trait	NOUN
fsr-3305	136	18	have	have	VERB
fsr-3305	136	19	on	on	ADP
fsr-3305	136	20	financial	financial	ADJ
fsr-3305	136	21	literacy	literacy	NOUN
fsr-3305	136	22	.	.	PUNCT
fsr-3305	137	1	the	the	DET
fsr-3305	137	2	initial	initial	ADJ
fsr-3305	137	3	model	model	NOUN
fsr-3305	137	4	development	development	NOUN
fsr-3305	137	5	was	be	AUX
fsr-3305	137	6	based	base	VERB
fsr-3305	137	7	on	on	ADP
fsr-3305	137	8	previous	previous	ADJ
fsr-3305	137	9	literature	literature	NOUN
fsr-3305	137	10	that	that	PRON
fsr-3305	137	11	has	have	AUX
fsr-3305	137	12	suggested	suggest	VERB
fsr-3305	137	13	that	that	SCONJ
fsr-3305	137	14	gender	gender	NOUN
fsr-3305	137	15	,	,	PUNCT
fsr-3305	137	16	race	race	NOUN
fsr-3305	137	17	,	,	PUNCT
fsr-3305	137	18	and	and	CCONJ
fsr-3305	137	19	employments	employment	NOUN
fsr-3305	137	20	status	status	NOUN
fsr-3305	137	21	tend	tend	VERB
fsr-3305	137	22	to	to	PART
fsr-3305	137	23	impact	impact	VERB
fsr-3305	137	24	one	one	NUM
fsr-3305	137	25	’s	’s	PART
fsr-3305	137	26	level	level	NOUN
fsr-3305	137	27	of	of	ADP
fsr-3305	137	28	financial	financial	ADJ
fsr-3305	137	29	literacy	literacy	NOUN
fsr-3305	137	30	(	(	PUNCT
fsr-3305	137	31	fernandes	fernande	NOUN
fsr-3305	137	32	et	et	PROPN
fsr-3305	137	33	al	al	PROPN
fsr-3305	137	34	.	.	PROPN
fsr-3305	137	35	,	,	PUNCT
fsr-3305	137	36	2014	2014	NUM
fsr-3305	137	37	;	;	PUNCT
fsr-3305	137	38	xiao	xiao	PROPN
fsr-3305	137	39	et	et	PROPN
fsr-3305	137	40	al	al	PROPN
fsr-3305	137	41	.	.	PROPN
fsr-3305	137	42	,	,	PUNCT
fsr-3305	137	43	2014	2014	NUM
fsr-3305	137	44	;	;	PUNCT
fsr-3305	137	45	xiao	xiao	PROPN
fsr-3305	137	46	et	et	PROPN
fsr-3305	137	47	al	al	PROPN
fsr-3305	137	48	.	.	PROPN
fsr-3305	137	49	,	,	PUNCT
fsr-3305	137	50	2015	2015	NUM
fsr-3305	137	51	)	)	PUNCT
fsr-3305	137	52	.	.	PUNCT
fsr-3305	138	1	further	far	ADV
fsr-3305	138	2	,	,	PUNCT
fsr-3305	138	3	because	because	SCONJ
fsr-3305	138	4	of	of	ADP
fsr-3305	138	5	canada	canada	PROPN
fsr-3305	138	6	immigration	immigration	NOUN
fsr-3305	138	7	policies	policy	NOUN
fsr-3305	138	8	and	and	CCONJ
fsr-3305	138	9	the	the	DET
fsr-3305	138	10	high	high	ADJ
fsr-3305	138	11	proportion	proportion	NOUN
fsr-3305	138	12	of	of	ADP
fsr-3305	138	13	international	international	ADJ
fsr-3305	138	14	students	student	NOUN
fsr-3305	138	15	in	in	ADP
fsr-3305	138	16	postsecondary	postsecondary	ADJ
fsr-3305	138	17	education	education	NOUN
fsr-3305	138	18	,	,	PUNCT
fsr-3305	138	19	this	this	DET
fsr-3305	138	20	study	study	NOUN
fsr-3305	138	21	controls	control	VERB
fsr-3305	138	22	and	and	CCONJ
fsr-3305	138	23	tests	test	NOUN
fsr-3305	138	24	whether	whether	SCONJ
fsr-3305	138	25	149r.n	149r.n	NUM
fsr-3305	138	26	.	.	PUNCT
fsr-3305	139	1	killins	killins	PROPN
fsr-3305	139	2	/	/	SYM
fsr-3305	139	3	financial	financial	ADJ
fsr-3305	139	4	services	service	NOUN
fsr-3305	139	5	review	review	VERB
fsr-3305	139	6	26	26	NUM
fsr-3305	139	7	(	(	PUNCT
fsr-3305	139	8	2017	2017	NUM
fsr-3305	139	9	)	)	PUNCT
fsr-3305	139	10	143–165	143–165	NUM
fsr-3305	139	11	new	new	ADJ
fsr-3305	139	12	immigrant	immigrant	ADJ
fsr-3305	139	13	status	status	NOUN
fsr-3305	139	14	impacts	impact	VERB
fsr-3305	139	15	the	the	DET
fsr-3305	139	16	level	level	NOUN
fsr-3305	139	17	of	of	ADP
fsr-3305	139	18	financial	financial	ADJ
fsr-3305	139	19	literacy	literacy	NOUN
fsr-3305	139	20	.	.	PUNCT
fsr-3305	140	1	thus	thus	ADV
fsr-3305	140	2	,	,	PUNCT
fsr-3305	140	3	the	the	DET
fsr-3305	140	4	base	base	NOUN
fsr-3305	140	5	model	model	NOUN
fsr-3305	140	6	takes	take	VERB
fsr-3305	140	7	on	on	ADP
fsr-3305	140	8	the	the	DET
fsr-3305	140	9	following	follow	VERB
fsr-3305	140	10	form	form	NOUN
fsr-3305	140	11	;	;	PUNCT
fsr-3305	140	12	fli	fli	PROPN
fsr-3305	140	13	�	�	PROPN
fsr-3305	140	14	�	�	PROPN
fsr-3305	140	15	0	0	PROPN
fsr-3305	140	16	�	�	PROPN
fsr-3305	140	17	�	�	PROPN
fsr-3305	140	18	1geni	1geni	PROPN
fsr-3305	140	19	�	�	PROPN
fsr-3305	140	20	�	�	PROPN
fsr-3305	140	21	2racei	2racei	PROPN
fsr-3305	140	22	�	�	PROPN
fsr-3305	140	23	�	�	PROPN
fsr-3305	140	24	3empi	3empi	PROPN
fsr-3305	140	25	�	�	PROPN
fsr-3305	140	26	�	�	PROPN
fsr-3305	140	27	4resi	4resi	NUM
fsr-3305	140	28	�	�	PROPN
fsr-3305	140	29	�	�	PROPN
fsr-3305	140	30	(	(	PUNCT
fsr-3305	140	31	1	1	NUM
fsr-3305	140	32	)	)	PUNCT
fsr-3305	140	33	where	where	SCONJ
fsr-3305	140	34	fli	fli	NOUN
fsr-3305	140	35	is	be	AUX
fsr-3305	140	36	the	the	DET
fsr-3305	140	37	financial	financial	ADJ
fsr-3305	140	38	literacy	literacy	NOUN
fsr-3305	140	39	score	score	NOUN
fsr-3305	140	40	of	of	ADP
fsr-3305	140	41	the	the	DET
fsr-3305	140	42	participant	participant	ADJ
fsr-3305	140	43	i.	i.	NOUN
fsr-3305	140	44	this	this	DET
fsr-3305	140	45	study	study	NOUN
fsr-3305	140	46	uses	use	VERB
fsr-3305	140	47	an	an	DET
fsr-3305	140	48	overall	overall	ADJ
fsr-3305	140	49	financial	financial	ADJ
fsr-3305	140	50	literacy	literacy	NOUN
fsr-3305	140	51	score	score	NOUN
fsr-3305	140	52	(	(	PUNCT
fsr-3305	140	53	flo	flo	ADJ
fsr-3305	140	54	)	)	PUNCT
fsr-3305	140	55	based	base	VERB
fsr-3305	140	56	on	on	ADP
fsr-3305	140	57	28	28	NUM
fsr-3305	140	58	questions	question	NOUN
fsr-3305	140	59	survey	survey	NOUN
fsr-3305	140	60	,	,	PUNCT
fsr-3305	140	61	along	along	ADP
fsr-3305	140	62	with	with	ADP
fsr-3305	140	63	financial	financial	ADJ
fsr-3305	140	64	literacy	literacy	NOUN
fsr-3305	140	65	scores	score	NOUN
fsr-3305	140	66	for	for	ADP
fsr-3305	140	67	subsections	subsection	NOUN
fsr-3305	140	68	of	of	ADP
fsr-3305	140	69	financial	financial	ADJ
fsr-3305	140	70	literacy	literacy	NOUN
fsr-3305	140	71	which	which	PRON
fsr-3305	140	72	includes	include	VERB
fsr-3305	140	73	:	:	PUNCT
fsr-3305	140	74	investments	investment	NOUN
fsr-3305	140	75	,	,	PUNCT
fsr-3305	140	76	budgeting	budgeting	NOUN
fsr-3305	140	77	,	,	PUNCT
fsr-3305	140	78	economics	economic	NOUN
fsr-3305	140	79	,	,	PUNCT
fsr-3305	140	80	risk	risk	NOUN
fsr-3305	140	81	management	management	NOUN
fsr-3305	140	82	,	,	PUNCT
fsr-3305	140	83	and	and	CCONJ
fsr-3305	140	84	retirement	retirement	NOUN
fsr-3305	140	85	planning	planning	NOUN
fsr-3305	140	86	.	.	PUNCT
fsr-3305	141	1	geni	geni	PROPN
fsr-3305	141	2	is	be	AUX
fsr-3305	141	3	a	a	DET
fsr-3305	141	4	dummy	dummy	ADJ
fsr-3305	141	5	variable	variable	NOUN
fsr-3305	141	6	equal	equal	ADJ
fsr-3305	141	7	to	to	ADP
fsr-3305	141	8	1	1	NUM
fsr-3305	141	9	for	for	ADP
fsr-3305	141	10	male	male	NOUN
fsr-3305	141	11	participates	participate	NOUN
fsr-3305	141	12	and	and	CCONJ
fsr-3305	141	13	0	0	NUM
fsr-3305	141	14	for	for	ADP
fsr-3305	141	15	female	female	NOUN
fsr-3305	141	16	.	.	PUNCT
fsr-3305	142	1	race	race	NOUN
fsr-3305	142	2	is	be	AUX
fsr-3305	142	3	a	a	DET
fsr-3305	142	4	dummy	dummy	ADJ
fsr-3305	142	5	variable	variable	NOUN
fsr-3305	142	6	equal	equal	ADJ
fsr-3305	142	7	to	to	ADP
fsr-3305	142	8	1	1	NUM
fsr-3305	142	9	if	if	SCONJ
fsr-3305	142	10	the	the	DET
fsr-3305	142	11	participant	participant	NOUN
fsr-3305	142	12	is	be	AUX
fsr-3305	142	13	white	white	ADJ
fsr-3305	142	14	and	and	CCONJ
fsr-3305	142	15	0	0	NUM
fsr-3305	142	16	if	if	SCONJ
fsr-3305	142	17	identified	identify	VERB
fsr-3305	142	18	as	as	ADP
fsr-3305	142	19	a	a	DET
fsr-3305	142	20	minority	minority	NOUN
fsr-3305	142	21	.	.	PUNCT
fsr-3305	143	1	emp	emp	NOUN
fsr-3305	143	2	is	be	AUX
fsr-3305	143	3	a	a	DET
fsr-3305	143	4	dummy	dummy	ADJ
fsr-3305	143	5	variable	variable	NOUN
fsr-3305	143	6	equal	equal	ADJ
fsr-3305	143	7	to	to	ADP
fsr-3305	143	8	1	1	NUM
fsr-3305	143	9	if	if	SCONJ
fsr-3305	143	10	the	the	DET
fsr-3305	143	11	participant	participant	NOUN
fsr-3305	143	12	has	have	AUX
fsr-3305	143	13	been	be	AUX
fsr-3305	143	14	employed	employ	VERB
fsr-3305	143	15	for	for	ADP
fsr-3305	143	16	over	over	ADP
fsr-3305	143	17	two	two	NUM
fsr-3305	143	18	years	year	NOUN
fsr-3305	143	19	and	and	CCONJ
fsr-3305	143	20	0	0	NUM
fsr-3305	143	21	if	if	SCONJ
fsr-3305	143	22	not	not	PART
fsr-3305	143	23	.	.	PUNCT
fsr-3305	144	1	finally	finally	ADV
fsr-3305	144	2	,	,	PUNCT
fsr-3305	144	3	res	re	NOUN
fsr-3305	144	4	is	be	AUX
fsr-3305	144	5	a	a	DET
fsr-3305	144	6	dummy	dummy	ADJ
fsr-3305	144	7	variable	variable	NOUN
fsr-3305	144	8	taking	take	VERB
fsr-3305	144	9	a	a	DET
fsr-3305	144	10	value	value	NOUN
fsr-3305	144	11	of	of	ADP
fsr-3305	144	12	1	1	NUM
fsr-3305	144	13	if	if	SCONJ
fsr-3305	144	14	the	the	DET
fsr-3305	144	15	participant	participant	NOUN
fsr-3305	144	16	has	have	AUX
fsr-3305	144	17	been	be	AUX
fsr-3305	144	18	a	a	DET
fsr-3305	144	19	resident	resident	NOUN
fsr-3305	144	20	of	of	ADP
fsr-3305	144	21	canada	canada	PROPN
fsr-3305	144	22	for	for	ADP
fsr-3305	144	23	over	over	ADP
fsr-3305	144	24	five	five	NUM
fsr-3305	144	25	years	year	NOUN
fsr-3305	144	26	and	and	CCONJ
fsr-3305	144	27	zero	zero	NUM
fsr-3305	144	28	if	if	SCONJ
fsr-3305	144	29	not	not	PART
fsr-3305	144	30	.	.	PUNCT
fsr-3305	145	1	consistent	consistent	ADJ
fsr-3305	145	2	with	with	ADP
fsr-3305	145	3	the	the	DET
fsr-3305	145	4	previous	previous	ADJ
fsr-3305	145	5	literature	literature	NOUN
fsr-3305	145	6	,	,	PUNCT
fsr-3305	145	7	we	we	PRON
fsr-3305	145	8	would	would	AUX
fsr-3305	145	9	expect	expect	VERB
fsr-3305	145	10	that	that	PRON
fsr-3305	145	11	�	�	PROPN
fsr-3305	145	12	1	1	NUM
fsr-3305	145	13	�	�	PROPN
fsr-3305	145	14	0	0	NUM
fsr-3305	145	15	,	,	PUNCT
fsr-3305	145	16	�	�	PROPN
fsr-3305	145	17	2	2	NUM
fsr-3305	145	18	�	�	PROPN
fsr-3305	145	19	0	0	NUM
fsr-3305	145	20	,	,	PUNCT
fsr-3305	145	21	�	�	PROPN
fsr-3305	145	22	3	3	NUM
fsr-3305	145	23	�	�	PROPN
fsr-3305	145	24	0	0	NUM
fsr-3305	145	25	and	and	CCONJ
fsr-3305	145	26	�	�	PROPN
fsr-3305	145	27	4	4	NUM
fsr-3305	145	28	�	�	PROPN
fsr-3305	145	29	0	0	NUM
fsr-3305	145	30	.	.	PUNCT
fsr-3305	146	1	table	table	NOUN
fsr-3305	146	2	1	1	NUM
fsr-3305	146	3	descriptive	descriptive	ADJ
fsr-3305	146	4	statistics	statistic	NOUN
fsr-3305	146	5	panel	panel	NOUN
fsr-3305	146	6	a	a	DET
fsr-3305	146	7	:	:	PUNCT
fsr-3305	146	8	categorical	categorical	ADJ
fsr-3305	146	9	and	and	CCONJ
fsr-3305	146	10	dummy	dummy	ADJ
fsr-3305	146	11	variables	variable	NOUN
fsr-3305	146	12	variable	variable	ADJ
fsr-3305	146	13	n	n	PRON
fsr-3305	146	14	%	%	NOUN
fsr-3305	146	15	gender	gender	NOUN
fsr-3305	146	16	male	male	NOUN
fsr-3305	146	17	86	86	NUM
fsr-3305	146	18	57.7	57.7	NUM
fsr-3305	146	19	female	female	ADJ
fsr-3305	146	20	63	63	NUM
fsr-3305	146	21	42.3	42.3	NUM
fsr-3305	146	22	education	education	NOUN
fsr-3305	146	23	high	high	ADJ
fsr-3305	146	24	school	school	NOUN
fsr-3305	146	25	117	117	NUM
fsr-3305	146	26	78.5	78.5	NUM
fsr-3305	146	27	college	college	NOUN
fsr-3305	146	28	diploma	diploma	NOUN
fsr-3305	146	29	17	17	NUM
fsr-3305	146	30	11.4	11.4	NUM
fsr-3305	146	31	bachelor	bachelor	NOUN
fsr-3305	146	32	degree	degree	NOUN
fsr-3305	146	33	11	11	NUM
fsr-3305	146	34	7.4	7.4	NUM
fsr-3305	146	35	master	master	NOUN
fsr-3305	146	36	’s	’s	PART
fsr-3305	146	37	degree	degree	NOUN
fsr-3305	146	38	4	4	NUM
fsr-3305	146	39	2.7	2.7	NUM
fsr-3305	146	40	marital	marital	ADJ
fsr-3305	146	41	status	status	NOUN
fsr-3305	146	42	single	single	ADJ
fsr-3305	146	43	124	124	NUM
fsr-3305	146	44	83.2	83.2	NUM
fsr-3305	146	45	married	marry	VERB
fsr-3305	146	46	22	22	NUM
fsr-3305	146	47	14.8	14.8	NUM
fsr-3305	146	48	divorced	divorce	VERB
fsr-3305	146	49	3	3	NUM
fsr-3305	146	50	2.0	2.0	NUM
fsr-3305	146	51	years	year	NOUN
fsr-3305	146	52	in	in	ADP
fsr-3305	146	53	canada	canada	PROPN
fsr-3305	146	54	0–2	0–2	PUNCT
fsr-3305	147	1	19	19	NUM
fsr-3305	147	2	12.8	12.8	NUM
fsr-3305	147	3	3–5	3–5	NUM
fsr-3305	147	4	56	56	NUM
fsr-3305	147	5	37.6	37.6	NUM
fsr-3305	147	6	6–8	6–8	NUM
fsr-3305	147	7	12	12	NUM
fsr-3305	147	8	8.1	8.1	NUM
fsr-3305	147	9	8	8	NUM
fsr-3305	147	10	or	or	CCONJ
fsr-3305	147	11	more	more	ADJ
fsr-3305	147	12	62	62	NUM
fsr-3305	147	13	41.6	41.6	NUM
fsr-3305	147	14	employment	employment	NOUN
fsr-3305	147	15	status	status	NOUN
fsr-3305	147	16	employed	employ	VERB
fsr-3305	147	17	96	96	NUM
fsr-3305	147	18	35.6	35.6	NUM
fsr-3305	147	19	unemployed	unemployed	ADJ
fsr-3305	147	20	53	53	NUM
fsr-3305	147	21	64.4	64.4	NUM
fsr-3305	147	22	gross	gross	ADJ
fsr-3305	147	23	income	income	NOUN
fsr-3305	147	24	per	per	ADP
fsr-3305	147	25	year	year	NOUN
fsr-3305	147	26	�	�	PROPN
fsr-3305	147	27	$	$	SYM
fsr-3305	147	28	15,000	15,000	NUM
fsr-3305	147	29	69	69	NUM
fsr-3305	147	30	46.3	46.3	NUM
fsr-3305	147	31	$	$	SYM
fsr-3305	147	32	15,001	15,001	NUM
fsr-3305	147	33	to	to	PART
fsr-3305	147	34	$	$	SYM
fsr-3305	147	35	30,000	30,000	NUM
fsr-3305	147	36	34	34	NUM
fsr-3305	147	37	22.8	22.8	NUM
fsr-3305	147	38	$	$	SYM
fsr-3305	147	39	30,001	30,001	NUM
fsr-3305	147	40	to	to	PART
fsr-3305	147	41	$	$	SYM
fsr-3305	147	42	65,000	65,000	NUM
fsr-3305	147	43	22	22	NUM
fsr-3305	147	44	14.8	14.8	NUM
fsr-3305	147	45	�	�	PROPN
fsr-3305	147	46	65,001	65,001	NUM
fsr-3305	147	47	24	24	NUM
fsr-3305	147	48	16.1	16.1	NUM
fsr-3305	147	49	ethnicity	ethnicity	NOUN
fsr-3305	147	50	white	white	ADJ
fsr-3305	147	51	49	49	NUM
fsr-3305	147	52	32.9	32.9	NUM
fsr-3305	147	53	african	african	ADJ
fsr-3305	147	54	american	american	PROPN
fsr-3305	147	55	/	/	SYM
fsr-3305	147	56	black	black	ADJ
fsr-3305	147	57	16	16	NUM
fsr-3305	147	58	10.7	10.7	NUM
fsr-3305	147	59	hispanic	hispanic	ADJ
fsr-3305	147	60	/	/	SYM
fsr-3305	147	61	latino	latino	ADJ
fsr-3305	147	62	21	21	NUM
fsr-3305	147	63	14.1	14.1	NUM
fsr-3305	147	64	asian	asian	ADJ
fsr-3305	147	65	36	36	NUM
fsr-3305	147	66	24.2	24.2	NUM
fsr-3305	147	67	other	other	ADJ
fsr-3305	147	68	27	27	NUM
fsr-3305	147	69	18.1	18.1	NUM
fsr-3305	147	70	150	150	NUM
fsr-3305	147	71	r.n	r.n	PROPN
fsr-3305	147	72	.	.	PROPN
fsr-3305	147	73	killins	killins	PROPN
fsr-3305	147	74	/	/	SYM
fsr-3305	147	75	financial	financial	ADJ
fsr-3305	147	76	services	service	NOUN
fsr-3305	147	77	review	review	VERB
fsr-3305	147	78	26	26	NUM
fsr-3305	147	79	(	(	PUNCT
fsr-3305	147	80	2017	2017	NUM
fsr-3305	147	81	)	)	PUNCT
fsr-3305	148	1	143–165	143–165	NUM
fsr-3305	148	2	building	build	VERB
fsr-3305	148	3	off	off	ADP
fsr-3305	148	4	the	the	DET
fsr-3305	148	5	base	base	NOUN
fsr-3305	148	6	model	model	NOUN
fsr-3305	148	7	,	,	PUNCT
fsr-3305	148	8	this	this	DET
fsr-3305	148	9	research	research	NOUN
fsr-3305	148	10	will	will	AUX
fsr-3305	148	11	incorporate	incorporate	VERB
fsr-3305	148	12	the	the	DET
fsr-3305	148	13	personality	personality	NOUN
fsr-3305	148	14	measures	measure	NOUN
fsr-3305	148	15	to	to	PART
fsr-3305	148	16	explore	explore	VERB
fsr-3305	148	17	how	how	SCONJ
fsr-3305	148	18	they	they	PRON
fsr-3305	148	19	may	may	AUX
fsr-3305	148	20	influence	influence	VERB
fsr-3305	148	21	individual	individual	NOUN
fsr-3305	148	22	’s	’s	PART
fsr-3305	148	23	financial	financial	ADJ
fsr-3305	148	24	literacy	literacy	NOUN
fsr-3305	148	25	.	.	PUNCT
fsr-3305	149	1	the	the	DET
fsr-3305	149	2	second	second	ADJ
fsr-3305	149	3	model	model	NOUN
fsr-3305	149	4	takes	take	VERB
fsr-3305	149	5	on	on	ADP
fsr-3305	149	6	the	the	DET
fsr-3305	149	7	following	follow	VERB
fsr-3305	149	8	form	form	NOUN
fsr-3305	149	9	;	;	PUNCT
fsr-3305	149	10	fli	fli	PROPN
fsr-3305	149	11	�	�	PROPN
fsr-3305	149	12	�	�	PROPN
fsr-3305	149	13	0	0	PROPN
fsr-3305	149	14	�	�	PROPN
fsr-3305	149	15	�	�	PROPN
fsr-3305	149	16	1geni	1geni	PROPN
fsr-3305	149	17	�	�	PROPN
fsr-3305	149	18	�	�	PROPN
fsr-3305	149	19	2	2	NUM
fsr-3305	149	20	racei	racei	NOUN
fsr-3305	149	21	�	�	PROPN
fsr-3305	149	22	�	�	PROPN
fsr-3305	149	23	3empi	3empi	PROPN
fsr-3305	149	24	�	�	PROPN
fsr-3305	149	25	�	�	PROPN
fsr-3305	149	26	4resi	4resi	NUM
fsr-3305	149	27	�	�	PROPN
fsr-3305	149	28	�	�	PROPN
fsr-3305	149	29	5bfiei	5bfiei	PROPN
fsr-3305	149	30	�	�	PROPN
fsr-3305	149	31	�	�	PROPN
fsr-3305	149	32	6bfiai	6bfiai	PROPN
fsr-3305	149	33	�	�	PROPN
fsr-3305	149	34	�	�	PROPN
fsr-3305	149	35	7bfici	7bfici	PROPN
fsr-3305	149	36	�	�	PROPN
fsr-3305	149	37	�	�	PROPN
fsr-3305	149	38	8bfini	8bfini	PROPN
fsr-3305	149	39	�	�	PROPN
fsr-3305	149	40	�	�	PROPN
fsr-3305	149	41	9bfioi	9bfioi	PROPN
fsr-3305	149	42	�	�	PROPN
fsr-3305	149	43	�	�	PROPN
fsr-3305	149	44	(	(	PUNCT
fsr-3305	149	45	2	2	NUM
fsr-3305	149	46	)	)	PUNCT
fsr-3305	149	47	where	where	SCONJ
fsr-3305	149	48	the	the	DET
fsr-3305	149	49	measurement	measurement	NOUN
fsr-3305	149	50	of	of	ADP
fsr-3305	149	51	fl	fl	PROPN
fsr-3305	149	52	,	,	PUNCT
fsr-3305	149	53	gen	gen	PROPN
fsr-3305	149	54	,	,	PUNCT
fsr-3305	149	55	race	race	NOUN
fsr-3305	149	56	,	,	PUNCT
fsr-3305	149	57	emp	emp	NOUN
fsr-3305	149	58	,	,	PUNCT
fsr-3305	149	59	and	and	CCONJ
fsr-3305	149	60	res	re	NOUN
fsr-3305	149	61	are	be	AUX
fsr-3305	149	62	as	as	ADV
fsr-3305	149	63	above	above	ADV
fsr-3305	149	64	in	in	ADP
fsr-3305	149	65	the	the	DET
fsr-3305	149	66	base	base	NOUN
fsr-3305	149	67	model	model	NOUN
fsr-3305	149	68	.	.	PUNCT
fsr-3305	150	1	bfie	bfie	NOUN
fsr-3305	150	2	is	be	AUX
fsr-3305	150	3	the	the	DET
fsr-3305	150	4	measurement	measurement	NOUN
fsr-3305	150	5	of	of	ADP
fsr-3305	150	6	extraversion	extraversion	NOUN
fsr-3305	150	7	/	/	SYM
fsr-3305	150	8	introversion	introversion	NOUN
fsr-3305	150	9	,	,	PUNCT
fsr-3305	150	10	bfiai	bfiai	PROPN
fsr-3305	150	11	is	be	AUX
fsr-3305	150	12	the	the	DET
fsr-3305	150	13	measurement	measurement	NOUN
fsr-3305	150	14	of	of	ADP
fsr-3305	150	15	agreeableness	agreeableness	NOUN
fsr-3305	150	16	,	,	PUNCT
fsr-3305	150	17	bfici	bfici	NOUN
fsr-3305	150	18	is	be	AUX
fsr-3305	150	19	the	the	DET
fsr-3305	150	20	measurement	measurement	NOUN
fsr-3305	150	21	of	of	ADP
fsr-3305	150	22	conscientiousness	conscientiousness	NOUN
fsr-3305	150	23	,	,	PUNCT
fsr-3305	150	24	bfin	bfin	PROPN
fsr-3305	150	25	is	be	AUX
fsr-3305	150	26	the	the	DET
fsr-3305	150	27	measurement	measurement	NOUN
fsr-3305	150	28	of	of	ADP
fsr-3305	150	29	neuroticism	neuroticism	NOUN
fsr-3305	150	30	and	and	CCONJ
fsr-3305	150	31	bfioi	bfioi	NOUN
fsr-3305	150	32	is	be	AUX
fsr-3305	150	33	the	the	DET
fsr-3305	150	34	measurement	measurement	NOUN
fsr-3305	150	35	of	of	ADP
fsr-3305	150	36	openness	openness	NOUN
fsr-3305	150	37	.	.	PUNCT
fsr-3305	151	1	we	we	PRON
fsr-3305	151	2	would	would	AUX
fsr-3305	151	3	expect	expect	VERB
fsr-3305	151	4	that	that	PRON
fsr-3305	151	5	�	�	PROPN
fsr-3305	151	6	5	5	NUM
fsr-3305	151	7	�	�	PROPN
fsr-3305	151	8	0	0	NUM
fsr-3305	151	9	,	,	PUNCT
fsr-3305	151	10	�	�	PROPN
fsr-3305	151	11	6	6	NUM
fsr-3305	151	12	�	�	PROPN
fsr-3305	151	13	0	0	NUM
fsr-3305	151	14	,	,	PUNCT
fsr-3305	151	15	�	�	PROPN
fsr-3305	151	16	7	7	NUM
fsr-3305	151	17	�	�	PROPN
fsr-3305	151	18	0	0	NUM
fsr-3305	151	19	,	,	PUNCT
fsr-3305	151	20	�	�	PROPN
fsr-3305	151	21	8	8	NUM
fsr-3305	151	22	�	�	PROPN
fsr-3305	151	23	0	0	NUM
fsr-3305	151	24	,	,	PUNCT
fsr-3305	151	25	and	and	CCONJ
fsr-3305	151	26	�	�	PROPN
fsr-3305	151	27	9	9	NUM
fsr-3305	151	28	�	�	PROPN
fsr-3305	151	29	0	0	NUM
fsr-3305	151	30	.	.	PROPN
fsr-3305	152	1	5	5	NUM
fsr-3305	152	2	.	.	NOUN
fsr-3305	152	3	results	result	VERB
fsr-3305	152	4	the	the	DET
fsr-3305	152	5	results	result	NOUN
fsr-3305	152	6	from	from	ADP
fsr-3305	152	7	the	the	DET
fsr-3305	152	8	base	base	NOUN
fsr-3305	152	9	regression	regression	NOUN
fsr-3305	152	10	model	model	NOUN
fsr-3305	152	11	(	(	PUNCT
fsr-3305	152	12	1	1	X
fsr-3305	152	13	)	)	PUNCT
fsr-3305	152	14	can	can	AUX
fsr-3305	152	15	be	be	AUX
fsr-3305	152	16	seen	see	VERB
fsr-3305	152	17	in	in	ADP
fsr-3305	152	18	table	table	NOUN
fsr-3305	152	19	3	3	NUM
fsr-3305	152	20	.	.	PUNCT
fsr-3305	153	1	the	the	DET
fsr-3305	153	2	findings	finding	NOUN
fsr-3305	153	3	suggest	suggest	VERB
fsr-3305	153	4	that	that	SCONJ
fsr-3305	153	5	only	only	ADJ
fsr-3305	153	6	race	race	NOUN
fsr-3305	153	7	has	have	VERB
fsr-3305	153	8	a	a	DET
fsr-3305	153	9	significant	significant	ADJ
fsr-3305	153	10	impact	impact	NOUN
fsr-3305	153	11	on	on	ADP
fsr-3305	153	12	financial	financial	ADJ
fsr-3305	153	13	literacy	literacy	NOUN
fsr-3305	153	14	levels	level	NOUN
fsr-3305	153	15	of	of	ADP
fsr-3305	153	16	the	the	DET
fsr-3305	153	17	generation	generation	NOUN
fsr-3305	153	18	y	y	PROPN
fsr-3305	153	19	demographic	demographic	ADJ
fsr-3305	153	20	in	in	ADP
fsr-3305	153	21	canada	canada	PROPN
fsr-3305	153	22	.	.	PUNCT
fsr-3305	154	1	the	the	DET
fsr-3305	154	2	coefficient	coefficient	NOUN
fsr-3305	154	3	of	of	ADP
fsr-3305	154	4	0.129	0.129	NUM
fsr-3305	154	5	indicates	indicate	VERB
fsr-3305	154	6	that	that	SCONJ
fsr-3305	154	7	minorities	minority	NOUN
fsr-3305	154	8	exhibit	exhibit	VERB
fsr-3305	154	9	approxpanel	approxpanel	NOUN
fsr-3305	155	1	b	b	NOUN
fsr-3305	155	2	:	:	PUNCT
fsr-3305	155	3	descriptive	descriptive	ADJ
fsr-3305	155	4	statistics	statistic	NOUN
fsr-3305	155	5	(	(	PUNCT
fsr-3305	155	6	financial	financial	ADJ
fsr-3305	155	7	literacy	literacy	NOUN
fsr-3305	155	8	and	and	CCONJ
fsr-3305	155	9	personality	personality	NOUN
fsr-3305	155	10	traits	trait	NOUN
fsr-3305	155	11	)	)	PUNCT
fsr-3305	155	12	variable	variable	NOUN
fsr-3305	155	13	n	n	CCONJ
fsr-3305	155	14	minimum	minimum	ADJ
fsr-3305	155	15	maximum	maximum	ADJ
fsr-3305	155	16	mean	mean	NOUN
fsr-3305	155	17	standard	standard	ADJ
fsr-3305	155	18	deviation	deviation	NOUN
fsr-3305	155	19	skewness	skewness	NOUN
fsr-3305	155	20	kurtosis	kurtosis	VERB
fsr-3305	155	21	flo	flo	ADJ
fsr-3305	155	22	149	149	NUM
fsr-3305	155	23	0.19	0.19	NUM
fsr-3305	155	24	0.97	0.97	NUM
fsr-3305	155	25	0.71	0.71	NUM
fsr-3305	155	26	0.13	0.13	NUM
fsr-3305	155	27	�	�	PROPN
fsr-3305	155	28	0.43	0.43	NUM
fsr-3305	155	29	�	�	PROPN
fsr-3305	155	30	0.59	0.59	NUM
fsr-3305	155	31	fli	fli	NOUN
fsr-3305	155	32	149	149	NUM
fsr-3305	155	33	0.17	0.17	NUM
fsr-3305	155	34	1.00	1.00	NUM
fsr-3305	155	35	0.67	0.67	NUM
fsr-3305	155	36	0.19	0.19	NUM
fsr-3305	155	37	�	�	PROPN
fsr-3305	155	38	0.31	0.31	NUM
fsr-3305	155	39	�	�	PROPN
fsr-3305	155	40	1.11	1.11	NUM
fsr-3305	155	41	flb	flb	NOUN
fsr-3305	155	42	149	149	NUM
fsr-3305	155	43	0.00	0.00	NUM
fsr-3305	155	44	1.00	1.00	NUM
fsr-3305	155	45	0.74	0.74	NUM
fsr-3305	155	46	0.16	0.16	NUM
fsr-3305	155	47	�	�	PROPN
fsr-3305	155	48	0.40	0.40	NUM
fsr-3305	155	49	1.62	1.62	NUM
fsr-3305	155	50	fle	fle	NOUN
fsr-3305	155	51	149	149	NUM
fsr-3305	155	52	0.11	0.11	NUM
fsr-3305	155	53	1.00	1.00	NUM
fsr-3305	155	54	0.73	0.73	NUM
fsr-3305	155	55	0.24	0.24	NUM
fsr-3305	155	56	�	�	PROPN
fsr-3305	155	57	0.38	0.38	NUM
fsr-3305	155	58	�	�	PROPN
fsr-3305	155	59	0.16	0.16	NUM
fsr-3305	155	60	flrm	flrm	VERB
fsr-3305	155	61	149	149	NUM
fsr-3305	155	62	0.00	0.00	NUM
fsr-3305	155	63	1.00	1.00	NUM
fsr-3305	155	64	0.72	0.72	NUM
fsr-3305	155	65	0.26	0.26	NUM
fsr-3305	155	66	�	�	PROPN
fsr-3305	155	67	0.94	0.94	NUM
fsr-3305	155	68	0.48	0.48	NUM
fsr-3305	155	69	flrp	flrp	NOUN
fsr-3305	155	70	149	149	NUM
fsr-3305	155	71	0.00	0.00	NUM
fsr-3305	155	72	1.00	1.00	NUM
fsr-3305	155	73	0.58	0.58	NUM
fsr-3305	155	74	0.28	0.28	NUM
fsr-3305	155	75	0.09	0.09	NUM
fsr-3305	155	76	�	�	PROPN
fsr-3305	155	77	0.17	0.17	NUM
fsr-3305	155	78	bfie	bfie	NOUN
fsr-3305	155	79	149	149	NUM
fsr-3305	155	80	2.01	2.01	NUM
fsr-3305	155	81	4.75	4.75	NUM
fsr-3305	155	82	3.58	3.58	NUM
fsr-3305	155	83	0.55	0.55	NUM
fsr-3305	155	84	�	�	PROPN
fsr-3305	155	85	0.24	0.24	NUM
fsr-3305	155	86	�	�	PROPN
fsr-3305	155	87	0.24	0.24	NUM
fsr-3305	155	88	bfia	bfia	NOUN
fsr-3305	155	89	149	149	NUM
fsr-3305	155	90	1.75	1.75	NUM
fsr-3305	155	91	5.00	5.00	NUM
fsr-3305	155	92	3.98	3.98	NUM
fsr-3305	155	93	0.60	0.60	NUM
fsr-3305	155	94	�	�	NOUN
fsr-3305	155	95	0.51	0.51	NUM
fsr-3305	155	96	0.69	0.69	NUM
fsr-3305	155	97	bfic	bfic	NOUN
fsr-3305	155	98	149	149	NUM
fsr-3305	155	99	1.95	1.95	NUM
fsr-3305	155	100	5.00	5.00	NUM
fsr-3305	155	101	3.43	3.43	NUM
fsr-3305	155	102	0.58	0.58	NUM
fsr-3305	155	103	�	�	PROPN
fsr-3305	155	104	0.27	0.27	NUM
fsr-3305	155	105	0.17	0.17	NUM
fsr-3305	155	106	bfin	bfin	NOUN
fsr-3305	155	107	149	149	NUM
fsr-3305	155	108	1.00	1.00	NUM
fsr-3305	155	109	4.45	4.45	NUM
fsr-3305	155	110	2.89	2.89	NUM
fsr-3305	155	111	0.61	0.61	NUM
fsr-3305	155	112	�	�	NOUN
fsr-3305	155	113	0.56	0.56	NUM
fsr-3305	155	114	0.26	0.26	NUM
fsr-3305	155	115	bfio	bfio	NOUN
fsr-3305	155	116	149	149	NUM
fsr-3305	155	117	2.35	2.35	NUM
fsr-3305	155	118	4.90	4.90	NUM
fsr-3305	155	119	3.61	3.61	NUM
fsr-3305	155	120	0.51	0.51	NUM
fsr-3305	155	121	0.17	0.17	NUM
fsr-3305	155	122	�	�	PROPN
fsr-3305	155	123	0.39	0.39	NUM
fsr-3305	155	124	overall	overall	ADJ
fsr-3305	155	125	financial	financial	ADJ
fsr-3305	155	126	literacy	literacy	NOUN
fsr-3305	155	127	(	(	PUNCT
fsr-3305	155	128	flo	flo	ADJ
fsr-3305	155	129	)	)	PUNCT
fsr-3305	155	130	is	be	AUX
fsr-3305	155	131	the	the	DET
fsr-3305	155	132	percentage	percentage	NOUN
fsr-3305	155	133	of	of	ADP
fsr-3305	155	134	correct	correct	ADJ
fsr-3305	155	135	scores	score	NOUN
fsr-3305	155	136	from	from	ADP
fsr-3305	155	137	28	28	NUM
fsr-3305	155	138	questions	question	NOUN
fsr-3305	155	139	on	on	ADP
fsr-3305	155	140	financial	financial	ADJ
fsr-3305	155	141	literacy	literacy	NOUN
fsr-3305	155	142	.	.	PUNCT
fsr-3305	156	1	fli	fli	NOUN
fsr-3305	156	2	represents	represent	VERB
fsr-3305	156	3	the	the	DET
fsr-3305	156	4	financial	financial	ADJ
fsr-3305	156	5	literacy	literacy	NOUN
fsr-3305	156	6	metric	metric	NOUN
fsr-3305	156	7	focused	focus	VERB
fsr-3305	156	8	on	on	ADP
fsr-3305	156	9	investments	investment	NOUN
fsr-3305	156	10	.	.	PUNCT
fsr-3305	157	1	flb	flb	PROPN
fsr-3305	157	2	represents	represent	VERB
fsr-3305	157	3	the	the	DET
fsr-3305	157	4	financial	financial	ADJ
fsr-3305	157	5	literacy	literacy	NOUN
fsr-3305	157	6	metric	metric	NOUN
fsr-3305	157	7	focused	focus	VERB
fsr-3305	157	8	on	on	ADP
fsr-3305	157	9	budgeting	budgeting	NOUN
fsr-3305	157	10	.	.	PUNCT
fsr-3305	158	1	fle	fle	PROPN
fsr-3305	158	2	represents	represent	VERB
fsr-3305	158	3	the	the	DET
fsr-3305	158	4	financial	financial	ADJ
fsr-3305	158	5	literacy	literacy	NOUN
fsr-3305	158	6	metric	metric	NOUN
fsr-3305	158	7	focused	focus	VERB
fsr-3305	158	8	on	on	ADP
fsr-3305	158	9	economics	economic	NOUN
fsr-3305	158	10	.	.	PUNCT
fsr-3305	159	1	frrm	frrm	PROPN
fsr-3305	159	2	represents	represent	VERB
fsr-3305	159	3	the	the	DET
fsr-3305	159	4	financial	financial	ADJ
fsr-3305	159	5	literacy	literacy	NOUN
fsr-3305	159	6	metric	metric	NOUN
fsr-3305	159	7	focused	focus	VERB
fsr-3305	159	8	on	on	ADP
fsr-3305	159	9	risk	risk	NOUN
fsr-3305	159	10	management	management	NOUN
fsr-3305	159	11	.	.	PUNCT
fsr-3305	160	1	flrp	flrp	PROPN
fsr-3305	160	2	represents	represent	VERB
fsr-3305	160	3	the	the	DET
fsr-3305	160	4	financial	financial	ADJ
fsr-3305	160	5	literacy	literacy	NOUN
fsr-3305	160	6	metric	metric	NOUN
fsr-3305	160	7	focused	focus	VERB
fsr-3305	160	8	on	on	ADP
fsr-3305	160	9	retirement	retirement	NOUN
fsr-3305	160	10	planning	planning	NOUN
fsr-3305	160	11	.	.	PUNCT
fsr-3305	161	1	bfie	bfie	NOUN
fsr-3305	161	2	represents	represent	VERB
fsr-3305	161	3	the	the	DET
fsr-3305	161	4	level	level	NOUN
fsr-3305	161	5	of	of	ADP
fsr-3305	161	6	extroversion	extroversion	NOUN
fsr-3305	161	7	an	an	DET
fsr-3305	161	8	individual	individual	ADJ
fsr-3305	161	9	exhibits	exhibit	NOUN
fsr-3305	161	10	as	as	SCONJ
fsr-3305	161	11	measured	measure	VERB
fsr-3305	161	12	by	by	ADP
fsr-3305	161	13	the	the	DET
fsr-3305	161	14	big	big	ADJ
fsr-3305	161	15	five	five	NUM
fsr-3305	161	16	personality	personality	NOUN
fsr-3305	161	17	survey	survey	NOUN
fsr-3305	161	18	with	with	ADP
fsr-3305	161	19	scores	score	NOUN
fsr-3305	161	20	ranging	range	VERB
fsr-3305	161	21	from	from	ADP
fsr-3305	161	22	0.1	0.1	NUM
fsr-3305	161	23	(	(	PUNCT
fsr-3305	161	24	introvert	introvert	ADJ
fsr-3305	161	25	)	)	PUNCT
fsr-3305	161	26	to	to	ADP
fsr-3305	161	27	5.0	5.0	NUM
fsr-3305	161	28	(	(	PUNCT
fsr-3305	161	29	extrovert	extrovert	ADJ
fsr-3305	161	30	)	)	PUNCT
fsr-3305	161	31	.	.	PUNCT
fsr-3305	162	1	bfia	bfia	PROPN
fsr-3305	162	2	represents	represent	VERB
fsr-3305	162	3	the	the	DET
fsr-3305	162	4	level	level	NOUN
fsr-3305	162	5	of	of	ADP
fsr-3305	162	6	agreeableness	agreeableness	NOUN
fsr-3305	162	7	an	an	DET
fsr-3305	162	8	individual	individual	ADJ
fsr-3305	162	9	exhibits	exhibit	NOUN
fsr-3305	162	10	as	as	SCONJ
fsr-3305	162	11	measured	measure	VERB
fsr-3305	162	12	by	by	ADP
fsr-3305	162	13	the	the	DET
fsr-3305	162	14	big	big	ADJ
fsr-3305	162	15	five	five	NUM
fsr-3305	162	16	personality	personality	NOUN
fsr-3305	162	17	survey	survey	NOUN
fsr-3305	162	18	with	with	ADP
fsr-3305	162	19	scores	score	NOUN
fsr-3305	162	20	ranging	range	VERB
fsr-3305	162	21	from	from	ADP
fsr-3305	162	22	0.1	0.1	NUM
fsr-3305	162	23	(	(	PUNCT
fsr-3305	162	24	not	not	PART
fsr-3305	162	25	agreeable	agreeable	ADJ
fsr-3305	162	26	)	)	PUNCT
fsr-3305	162	27	to	to	ADP
fsr-3305	162	28	5.0	5.0	NUM
fsr-3305	162	29	(	(	PUNCT
fsr-3305	162	30	very	very	ADV
fsr-3305	162	31	agreeable	agreeable	ADJ
fsr-3305	162	32	)	)	PUNCT
fsr-3305	162	33	.	.	PUNCT
fsr-3305	163	1	bfic	bfic	NOUN
fsr-3305	163	2	represents	represent	VERB
fsr-3305	163	3	the	the	DET
fsr-3305	163	4	level	level	NOUN
fsr-3305	163	5	of	of	ADP
fsr-3305	163	6	conscientiousness	conscientiousness	NOUN
fsr-3305	163	7	an	an	DET
fsr-3305	163	8	individual	individual	ADJ
fsr-3305	163	9	exhibits	exhibit	NOUN
fsr-3305	163	10	as	as	SCONJ
fsr-3305	163	11	measured	measure	VERB
fsr-3305	163	12	by	by	ADP
fsr-3305	163	13	the	the	DET
fsr-3305	163	14	big	big	ADJ
fsr-3305	163	15	five	five	NUM
fsr-3305	163	16	personality	personality	NOUN
fsr-3305	163	17	survey	survey	NOUN
fsr-3305	163	18	with	with	ADP
fsr-3305	163	19	scores	score	NOUN
fsr-3305	163	20	ranging	range	VERB
fsr-3305	163	21	from	from	ADP
fsr-3305	163	22	0.1	0.1	NUM
fsr-3305	163	23	(	(	PUNCT
fsr-3305	163	24	not	not	PART
fsr-3305	163	25	conscientious	conscientious	ADJ
fsr-3305	163	26	)	)	PUNCT
fsr-3305	163	27	to	to	ADP
fsr-3305	163	28	5.0	5.0	NUM
fsr-3305	163	29	(	(	PUNCT
fsr-3305	163	30	very	very	ADV
fsr-3305	163	31	conscientious	conscientious	ADJ
fsr-3305	163	32	)	)	PUNCT
fsr-3305	163	33	.	.	PUNCT
fsr-3305	164	1	bfin	bfin	PROPN
fsr-3305	164	2	represents	represent	VERB
fsr-3305	164	3	the	the	DET
fsr-3305	164	4	level	level	NOUN
fsr-3305	164	5	of	of	ADP
fsr-3305	164	6	neuroticism	neuroticism	NOUN
fsr-3305	164	7	an	an	DET
fsr-3305	164	8	individual	individual	ADJ
fsr-3305	164	9	exhibits	exhibit	NOUN
fsr-3305	164	10	as	as	SCONJ
fsr-3305	164	11	measured	measure	VERB
fsr-3305	164	12	by	by	ADP
fsr-3305	164	13	the	the	DET
fsr-3305	164	14	big	big	ADJ
fsr-3305	164	15	five	five	NUM
fsr-3305	164	16	personality	personality	NOUN
fsr-3305	164	17	survey	survey	NOUN
fsr-3305	164	18	with	with	ADP
fsr-3305	164	19	scores	score	NOUN
fsr-3305	164	20	ranging	range	VERB
fsr-3305	164	21	from	from	ADP
fsr-3305	164	22	0.1	0.1	NUM
fsr-3305	164	23	(	(	PUNCT
fsr-3305	164	24	low	low	ADJ
fsr-3305	164	25	neuroticism	neuroticism	NOUN
fsr-3305	164	26	)	)	PUNCT
fsr-3305	164	27	to	to	ADP
fsr-3305	164	28	5.0	5.0	NUM
fsr-3305	164	29	(	(	PUNCT
fsr-3305	164	30	high	high	ADJ
fsr-3305	164	31	neuroticism	neuroticism	NOUN
fsr-3305	164	32	)	)	PUNCT
fsr-3305	164	33	.	.	PUNCT
fsr-3305	165	1	bfio	bfio	NOUN
fsr-3305	165	2	represents	represent	VERB
fsr-3305	165	3	the	the	DET
fsr-3305	165	4	level	level	NOUN
fsr-3305	165	5	of	of	ADP
fsr-3305	165	6	openness	openness	NOUN
fsr-3305	165	7	an	an	DET
fsr-3305	165	8	individual	individual	ADJ
fsr-3305	165	9	exhibits	exhibit	NOUN
fsr-3305	165	10	as	as	SCONJ
fsr-3305	165	11	measured	measure	VERB
fsr-3305	165	12	by	by	ADP
fsr-3305	165	13	the	the	DET
fsr-3305	165	14	big	big	ADJ
fsr-3305	165	15	five	five	NUM
fsr-3305	165	16	personality	personality	NOUN
fsr-3305	165	17	survey	survey	NOUN
fsr-3305	165	18	with	with	ADP
fsr-3305	165	19	scores	score	NOUN
fsr-3305	165	20	ranging	range	VERB
fsr-3305	165	21	from	from	ADP
fsr-3305	165	22	0.1	0.1	NUM
fsr-3305	165	23	(	(	PUNCT
fsr-3305	165	24	closed	closed	ADJ
fsr-3305	165	25	)	)	PUNCT
fsr-3305	165	26	to	to	ADP
fsr-3305	165	27	5.0	5.0	NUM
fsr-3305	165	28	(	(	PUNCT
fsr-3305	165	29	very	very	ADV
fsr-3305	165	30	open	open	ADJ
fsr-3305	165	31	)	)	PUNCT
fsr-3305	165	32	.	.	PUNCT
fsr-3305	166	1	151r.n	151r.n	NUM
fsr-3305	166	2	.	.	PUNCT
fsr-3305	167	1	killins	killins	PROPN
fsr-3305	167	2	/	/	SYM
fsr-3305	167	3	financial	financial	ADJ
fsr-3305	167	4	services	service	NOUN
fsr-3305	167	5	review	review	VERB
fsr-3305	167	6	26	26	NUM
fsr-3305	167	7	(	(	PUNCT
fsr-3305	167	8	2017	2017	NUM
fsr-3305	167	9	)	)	PUNCT
fsr-3305	167	10	143–165	143–165	NUM
fsr-3305	167	11	table	table	NOUN
fsr-3305	167	12	2	2	NUM
fsr-3305	167	13	correlation	correlation	NOUN
fsr-3305	167	14	matrix	matrix	NOUN
fsr-3305	167	15	flo	flo	PROPN
fsr-3305	167	16	fli	fli	PROPN
fsr-3305	167	17	flb	flb	PROPN
fsr-3305	167	18	fle	fle	PROPN
fsr-3305	167	19	flrm	flrm	PROPN
fsr-3305	167	20	flrp	flrp	PROPN
fsr-3305	167	21	bfie	bfie	NOUN
fsr-3305	167	22	bfia	bfia	NOUN
fsr-3305	167	23	bfic	bfic	PROPN
fsr-3305	167	24	bfin	bfin	PROPN
fsr-3305	167	25	bfio	bfio	PROPN
fsr-3305	167	26	flo	flo	PROPN
fsr-3305	167	27	1.00	1.00	NUM
fsr-3305	167	28	fli	fli	NOUN
fsr-3305	167	29	0.73	0.73	NUM
fsr-3305	167	30	1.00	1.00	NUM
fsr-3305	167	31	flb	flb	NOUN
fsr-3305	167	32	0.59	0.59	NUM
fsr-3305	167	33	0.42	0.42	NUM
fsr-3305	167	34	1.00	1.00	NUM
fsr-3305	167	35	fle	fle	NOUN
fsr-3305	167	36	0.77	0.77	NUM
fsr-3305	167	37	0.38	0.38	NUM
fsr-3305	167	38	0.36	0.36	NUM
fsr-3305	167	39	1.00	1.00	NUM
fsr-3305	167	40	flrm	flrm	VERB
fsr-3305	167	41	0.73	0.73	NUM
fsr-3305	167	42	0.35	0.35	NUM
fsr-3305	167	43	0.38	0.38	NUM
fsr-3305	167	44	0.53	0.53	NUM
fsr-3305	167	45	1.00	1.00	NUM
fsr-3305	167	46	flrp	flrp	NOUN
fsr-3305	167	47	0.79	0.79	NUM
fsr-3305	167	48	0.56	0.56	NUM
fsr-3305	167	49	0.27	0.27	NUM
fsr-3305	167	50	0.59	0.59	NUM
fsr-3305	167	51	0.44	0.44	NUM
fsr-3305	167	52	1.00	1.00	NUM
fsr-3305	167	53	bfie	bfie	NOUN
fsr-3305	167	54	�	�	PROPN
fsr-3305	167	55	0.06	0.06	NUM
fsr-3305	167	56	�	�	PROPN
fsr-3305	167	57	0.09	0.09	NUM
fsr-3305	167	58	�	�	PROPN
fsr-3305	167	59	0.19	0.19	NUM
fsr-3305	167	60	0.02	0.02	NUM
fsr-3305	167	61	0.14	0.14	NUM
fsr-3305	167	62	�	�	PROPN
fsr-3305	167	63	0.13	0.13	NUM
fsr-3305	167	64	1.00	1.00	NUM
fsr-3305	167	65	bfia	bfia	NOUN
fsr-3305	167	66	0.09	0.09	NUM
fsr-3305	167	67	0.14	0.14	NUM
fsr-3305	167	68	0.15	0.15	NUM
fsr-3305	167	69	�	�	PROPN
fsr-3305	167	70	0.03	0.03	NUM
fsr-3305	167	71	0.18	0.18	NUM
fsr-3305	167	72	�	�	PROPN
fsr-3305	167	73	0.10	0.10	NUM
fsr-3305	167	74	0.15	0.15	NUM
fsr-3305	167	75	1.00	1.00	NUM
fsr-3305	167	76	bfic	bfic	NOUN
fsr-3305	167	77	0.28	0.28	NUM
fsr-3305	167	78	0.22	0.22	NUM
fsr-3305	167	79	0.32	0.32	NUM
fsr-3305	167	80	0.25	0.25	NUM
fsr-3305	167	81	0.40	0.40	NUM
fsr-3305	167	82	0.17	0.17	NUM
fsr-3305	167	83	0.43	0.43	NUM
fsr-3305	167	84	0.37	0.37	NUM
fsr-3305	167	85	1.00	1.00	NUM
fsr-3305	167	86	bfin	bfin	PROPN
fsr-3305	167	87	�	�	PROPN
fsr-3305	167	88	0.09	0.09	NUM
fsr-3305	167	89	�	�	PROPN
fsr-3305	167	90	0.14	0.14	NUM
fsr-3305	167	91	0.08	0.08	NUM
fsr-3305	167	92	�	�	PROPN
fsr-3305	167	93	0.04	0.04	NUM
fsr-3305	167	94	�	�	PROPN
fsr-3305	167	95	0.09	0.09	NUM
fsr-3305	167	96	�	�	PROPN
fsr-3305	167	97	0.09	0.09	NUM
fsr-3305	167	98	�	�	PROPN
fsr-3305	167	99	0.32	0.32	NUM
fsr-3305	167	100	�	�	PROPN
fsr-3305	167	101	0.16	0.16	NUM
fsr-3305	167	102	�	�	PROPN
fsr-3305	167	103	0.35	0.35	NUM
fsr-3305	167	104	1.00	1.00	NUM
fsr-3305	167	105	bfio	bfio	NOUN
fsr-3305	167	106	0.14	0.14	NUM
fsr-3305	167	107	0.13	0.13	NUM
fsr-3305	167	108	0.21	0.21	NUM
fsr-3305	167	109	0.03	0.03	NUM
fsr-3305	167	110	�	�	PROPN
fsr-3305	167	111	0.04	0.04	NUM
fsr-3305	167	112	�	�	NOUN
fsr-3305	167	113	0.04	0.04	NUM
fsr-3305	167	114	0.35	0.35	NUM
fsr-3305	167	115	0.18	0.18	NUM
fsr-3305	167	116	0.33	0.33	NUM
fsr-3305	167	117	�	�	NOUN
fsr-3305	167	118	0.25	0.25	NUM
fsr-3305	167	119	1.00	1.00	NUM
fsr-3305	167	120	overall	overall	ADJ
fsr-3305	167	121	financial	financial	ADJ
fsr-3305	167	122	literacy	literacy	NOUN
fsr-3305	167	123	(	(	PUNCT
fsr-3305	167	124	flo	flo	ADJ
fsr-3305	167	125	)	)	PUNCT
fsr-3305	167	126	is	be	AUX
fsr-3305	167	127	the	the	DET
fsr-3305	167	128	percentage	percentage	NOUN
fsr-3305	167	129	of	of	ADP
fsr-3305	167	130	correct	correct	ADJ
fsr-3305	167	131	scores	score	NOUN
fsr-3305	167	132	from	from	ADP
fsr-3305	167	133	28	28	NUM
fsr-3305	167	134	questions	question	NOUN
fsr-3305	167	135	on	on	ADP
fsr-3305	167	136	financial	financial	ADJ
fsr-3305	167	137	literacy	literacy	NOUN
fsr-3305	167	138	.	.	PUNCT
fsr-3305	168	1	fli	fli	NOUN
fsr-3305	168	2	represents	represent	VERB
fsr-3305	168	3	the	the	DET
fsr-3305	168	4	financial	financial	ADJ
fsr-3305	168	5	literacy	literacy	NOUN
fsr-3305	168	6	metric	metric	NOUN
fsr-3305	168	7	focused	focus	VERB
fsr-3305	168	8	on	on	ADP
fsr-3305	168	9	investments	investment	NOUN
fsr-3305	168	10	.	.	PUNCT
fsr-3305	169	1	flb	flb	PROPN
fsr-3305	169	2	represents	represent	VERB
fsr-3305	169	3	the	the	DET
fsr-3305	169	4	financial	financial	ADJ
fsr-3305	169	5	literacy	literacy	NOUN
fsr-3305	169	6	metric	metric	NOUN
fsr-3305	169	7	focused	focus	VERB
fsr-3305	169	8	on	on	ADP
fsr-3305	169	9	budgeting	budgeting	NOUN
fsr-3305	169	10	.	.	PUNCT
fsr-3305	170	1	fle	fle	PROPN
fsr-3305	170	2	represents	represent	VERB
fsr-3305	170	3	the	the	DET
fsr-3305	170	4	financial	financial	ADJ
fsr-3305	170	5	literacy	literacy	NOUN
fsr-3305	170	6	metric	metric	NOUN
fsr-3305	170	7	focused	focus	VERB
fsr-3305	170	8	on	on	ADP
fsr-3305	170	9	economics	economic	NOUN
fsr-3305	170	10	.	.	PUNCT
fsr-3305	171	1	frrm	frrm	PROPN
fsr-3305	171	2	represents	represent	VERB
fsr-3305	171	3	the	the	DET
fsr-3305	171	4	financial	financial	ADJ
fsr-3305	171	5	literacy	literacy	NOUN
fsr-3305	171	6	metric	metric	NOUN
fsr-3305	171	7	focused	focus	VERB
fsr-3305	171	8	on	on	ADP
fsr-3305	171	9	risk	risk	NOUN
fsr-3305	171	10	management	management	NOUN
fsr-3305	171	11	.	.	PUNCT
fsr-3305	172	1	flrp	flrp	PROPN
fsr-3305	172	2	represents	represent	VERB
fsr-3305	172	3	the	the	DET
fsr-3305	172	4	financial	financial	ADJ
fsr-3305	172	5	literacy	literacy	NOUN
fsr-3305	172	6	metric	metric	NOUN
fsr-3305	172	7	focused	focus	VERB
fsr-3305	172	8	on	on	ADP
fsr-3305	172	9	retirement	retirement	NOUN
fsr-3305	172	10	planning	planning	NOUN
fsr-3305	172	11	.	.	PUNCT
fsr-3305	173	1	bfie	bfie	NOUN
fsr-3305	173	2	represents	represent	VERB
fsr-3305	173	3	the	the	DET
fsr-3305	173	4	level	level	NOUN
fsr-3305	173	5	of	of	ADP
fsr-3305	173	6	extroversion	extroversion	NOUN
fsr-3305	173	7	an	an	DET
fsr-3305	173	8	individual	individual	ADJ
fsr-3305	173	9	exhibits	exhibit	NOUN
fsr-3305	173	10	as	as	SCONJ
fsr-3305	173	11	measured	measure	VERB
fsr-3305	173	12	by	by	ADP
fsr-3305	173	13	the	the	DET
fsr-3305	173	14	big	big	ADJ
fsr-3305	173	15	five	five	NUM
fsr-3305	173	16	personality	personality	NOUN
fsr-3305	173	17	survey	survey	NOUN
fsr-3305	173	18	with	with	ADP
fsr-3305	173	19	scores	score	NOUN
fsr-3305	173	20	ranging	range	VERB
fsr-3305	173	21	from	from	ADP
fsr-3305	173	22	0.1	0.1	NUM
fsr-3305	173	23	(	(	PUNCT
fsr-3305	173	24	introvert	introvert	ADJ
fsr-3305	173	25	)	)	PUNCT
fsr-3305	173	26	to	to	ADP
fsr-3305	173	27	5.0	5.0	NUM
fsr-3305	173	28	(	(	PUNCT
fsr-3305	173	29	extrovert	extrovert	ADJ
fsr-3305	173	30	)	)	PUNCT
fsr-3305	173	31	.	.	PUNCT
fsr-3305	174	1	bfia	bfia	PROPN
fsr-3305	174	2	represents	represent	VERB
fsr-3305	174	3	the	the	DET
fsr-3305	174	4	level	level	NOUN
fsr-3305	174	5	of	of	ADP
fsr-3305	174	6	agreeableness	agreeableness	NOUN
fsr-3305	174	7	an	an	DET
fsr-3305	174	8	individual	individual	ADJ
fsr-3305	174	9	exhibits	exhibit	NOUN
fsr-3305	174	10	as	as	SCONJ
fsr-3305	174	11	measured	measure	VERB
fsr-3305	174	12	by	by	ADP
fsr-3305	174	13	the	the	DET
fsr-3305	174	14	big	big	ADJ
fsr-3305	174	15	five	five	NUM
fsr-3305	174	16	personality	personality	NOUN
fsr-3305	174	17	survey	survey	NOUN
fsr-3305	174	18	with	with	ADP
fsr-3305	174	19	scores	score	NOUN
fsr-3305	174	20	ranging	range	VERB
fsr-3305	174	21	from	from	ADP
fsr-3305	174	22	0.1	0.1	NUM
fsr-3305	174	23	(	(	PUNCT
fsr-3305	174	24	not	not	PART
fsr-3305	174	25	agreeable	agreeable	ADJ
fsr-3305	174	26	)	)	PUNCT
fsr-3305	174	27	to	to	ADP
fsr-3305	174	28	5.0	5.0	NUM
fsr-3305	174	29	(	(	PUNCT
fsr-3305	174	30	very	very	ADV
fsr-3305	174	31	agreeable	agreeable	ADJ
fsr-3305	174	32	)	)	PUNCT
fsr-3305	174	33	.	.	PUNCT
fsr-3305	175	1	bfic	bfic	NOUN
fsr-3305	175	2	represents	represent	VERB
fsr-3305	175	3	the	the	DET
fsr-3305	175	4	level	level	NOUN
fsr-3305	175	5	of	of	ADP
fsr-3305	175	6	conscientiousness	conscientiousness	NOUN
fsr-3305	175	7	an	an	DET
fsr-3305	175	8	individual	individual	ADJ
fsr-3305	175	9	exhibits	exhibit	NOUN
fsr-3305	175	10	as	as	SCONJ
fsr-3305	175	11	measured	measure	VERB
fsr-3305	175	12	by	by	ADP
fsr-3305	175	13	the	the	DET
fsr-3305	175	14	big	big	ADJ
fsr-3305	175	15	five	five	NUM
fsr-3305	175	16	personality	personality	NOUN
fsr-3305	175	17	survey	survey	NOUN
fsr-3305	175	18	with	with	ADP
fsr-3305	175	19	scores	score	NOUN
fsr-3305	175	20	ranging	range	VERB
fsr-3305	175	21	from	from	ADP
fsr-3305	175	22	0.1	0.1	NUM
fsr-3305	175	23	(	(	PUNCT
fsr-3305	175	24	not	not	PART
fsr-3305	175	25	conscientious	conscientious	ADJ
fsr-3305	175	26	)	)	PUNCT
fsr-3305	175	27	to	to	ADP
fsr-3305	175	28	5.0	5.0	NUM
fsr-3305	175	29	(	(	PUNCT
fsr-3305	175	30	very	very	ADV
fsr-3305	175	31	conscientious	conscientious	ADJ
fsr-3305	175	32	)	)	PUNCT
fsr-3305	175	33	.	.	PUNCT
fsr-3305	176	1	bfin	bfin	PROPN
fsr-3305	176	2	represents	represent	VERB
fsr-3305	176	3	the	the	DET
fsr-3305	176	4	level	level	NOUN
fsr-3305	176	5	of	of	ADP
fsr-3305	176	6	neuroticism	neuroticism	NOUN
fsr-3305	176	7	an	an	DET
fsr-3305	176	8	individual	individual	ADJ
fsr-3305	176	9	exhibits	exhibit	NOUN
fsr-3305	176	10	as	as	SCONJ
fsr-3305	176	11	measured	measure	VERB
fsr-3305	176	12	by	by	ADP
fsr-3305	176	13	the	the	DET
fsr-3305	176	14	big	big	ADJ
fsr-3305	176	15	five	five	NUM
fsr-3305	176	16	personality	personality	NOUN
fsr-3305	176	17	survey	survey	NOUN
fsr-3305	176	18	with	with	ADP
fsr-3305	176	19	scores	score	NOUN
fsr-3305	176	20	ranging	range	VERB
fsr-3305	176	21	from	from	ADP
fsr-3305	176	22	0.1	0.1	NUM
fsr-3305	176	23	(	(	PUNCT
fsr-3305	176	24	low	low	ADJ
fsr-3305	176	25	neuroticism	neuroticism	NOUN
fsr-3305	176	26	)	)	PUNCT
fsr-3305	176	27	to	to	ADP
fsr-3305	176	28	5.0	5.0	NUM
fsr-3305	176	29	(	(	PUNCT
fsr-3305	176	30	high	high	ADJ
fsr-3305	176	31	neuroticism	neuroticism	NOUN
fsr-3305	176	32	)	)	PUNCT
fsr-3305	176	33	.	.	PUNCT
fsr-3305	177	1	bfio	bfio	NOUN
fsr-3305	177	2	represents	represent	VERB
fsr-3305	177	3	the	the	DET
fsr-3305	177	4	level	level	NOUN
fsr-3305	177	5	of	of	ADP
fsr-3305	177	6	openness	openness	NOUN
fsr-3305	177	7	an	an	DET
fsr-3305	177	8	individual	individual	ADJ
fsr-3305	177	9	exhibits	exhibit	NOUN
fsr-3305	177	10	as	as	SCONJ
fsr-3305	177	11	measured	measure	VERB
fsr-3305	177	12	by	by	ADP
fsr-3305	177	13	the	the	DET
fsr-3305	177	14	big	big	ADJ
fsr-3305	177	15	five	five	NUM
fsr-3305	177	16	personality	personality	NOUN
fsr-3305	177	17	survey	survey	NOUN
fsr-3305	177	18	with	with	ADP
fsr-3305	177	19	scores	score	NOUN
fsr-3305	177	20	ranging	range	VERB
fsr-3305	177	21	from	from	ADP
fsr-3305	177	22	0.1	0.1	NUM
fsr-3305	177	23	(	(	PUNCT
fsr-3305	177	24	closed	closed	ADJ
fsr-3305	177	25	)	)	PUNCT
fsr-3305	177	26	to	to	ADP
fsr-3305	177	27	5.0	5.0	NUM
fsr-3305	177	28	(	(	PUNCT
fsr-3305	177	29	very	very	ADV
fsr-3305	177	30	open	open	ADJ
fsr-3305	177	31	)	)	PUNCT
fsr-3305	177	32	.	.	PUNCT
fsr-3305	178	1	table	table	NOUN
fsr-3305	178	2	3	3	NUM
fsr-3305	178	3	regression	regression	NOUN
fsr-3305	178	4	results	result	NOUN
fsr-3305	178	5	(	(	PUNCT
fsr-3305	178	6	base	base	NOUN
fsr-3305	178	7	model	model	NOUN
fsr-3305	178	8	)	)	PUNCT
fsr-3305	178	9	variable	variable	NOUN
fsr-3305	178	10	flo	flo	PROPN
fsr-3305	178	11	fli	fli	PROPN
fsr-3305	178	12	flb	flb	PROPN
fsr-3305	178	13	fle	fle	PROPN
fsr-3305	178	14	flrm	flrm	PROPN
fsr-3305	178	15	flrp	flrp	ADJ
fsr-3305	178	16	constant	constant	ADJ
fsr-3305	178	17	0.627c	0.627c	NOUN
fsr-3305	178	18	(	(	PUNCT
fsr-3305	178	19	0.051	0.051	NUM
fsr-3305	178	20	)	)	PUNCT
fsr-3305	178	21	0.519c	0.519c	PROPN
fsr-3305	178	22	(	(	PUNCT
fsr-3305	178	23	0.061	0.061	NUM
fsr-3305	178	24	)	)	PUNCT
fsr-3305	178	25	0.682c	0.682c	PROPN
fsr-3305	178	26	(	(	PUNCT
fsr-3305	178	27	0.054	0.054	NUM
fsr-3305	178	28	)	)	PUNCT
fsr-3305	178	29	0.666c	0.666c	NOUN
fsr-3305	178	30	(	(	PUNCT
fsr-3305	178	31	0.074	0.074	NUM
fsr-3305	178	32	)	)	PUNCT
fsr-3305	178	33	0.802c	0.802c	ADV
fsr-3305	178	34	(	(	PUNCT
fsr-3305	178	35	0.082	0.082	NUM
fsr-3305	178	36	)	)	PUNCT
fsr-3305	178	37	0.522c	0.522c	NOUN
fsr-3305	178	38	(	(	PUNCT
fsr-3305	178	39	0.081	0.081	NUM
fsr-3305	178	40	)	)	PUNCT
fsr-3305	178	41	gen	gen	PROPN
fsr-3305	178	42	�	�	PROPN
fsr-3305	178	43	0.019	0.019	NUM
fsr-3305	178	44	(	(	PUNCT
fsr-3305	178	45	0.043	0.043	NUM
fsr-3305	178	46	)	)	PUNCT
fsr-3305	178	47	0.019	0.019	NUM
fsr-3305	178	48	(	(	PUNCT
fsr-3305	178	49	0.051	0.051	NUM
fsr-3305	178	50	)	)	PUNCT
fsr-3305	178	51	0.020	0.020	NUM
fsr-3305	178	52	(	(	PUNCT
fsr-3305	178	53	0.047	0.047	NUM
fsr-3305	178	54	)	)	PUNCT
fsr-3305	178	55	�	�	PROPN
fsr-3305	178	56	0.026	0.026	NUM
fsr-3305	178	57	(	(	PUNCT
fsr-3305	178	58	0.064	0.064	NUM
fsr-3305	178	59	)	)	PUNCT
fsr-3305	178	60	�	�	PROPN
fsr-3305	178	61	0.121a	0.121a	NUM
fsr-3305	178	62	(	(	PUNCT
fsr-3305	178	63	0.071	0.071	NUM
fsr-3305	178	64	)	)	PUNCT
fsr-3305	178	65	�	�	PROPN
fsr-3305	178	66	0.054	0.054	NUM
fsr-3305	178	67	(	(	PUNCT
fsr-3305	178	68	0.071	0.071	NUM
fsr-3305	178	69	)	)	PUNCT
fsr-3305	178	70	race	race	NOUN
fsr-3305	178	71	0.129c	0.129c	NUM
fsr-3305	178	72	(	(	PUNCT
fsr-3305	178	73	0.044	0.044	NUM
fsr-3305	178	74	)	)	PUNCT
fsr-3305	178	75	0.167c	0.167c	PROPN
fsr-3305	178	76	(	(	PUNCT
fsr-3305	178	77	0.053	0.053	NUM
fsr-3305	178	78	)	)	PUNCT
fsr-3305	178	79	0.085a	0.085a	NOUN
fsr-3305	178	80	(	(	PUNCT
fsr-3305	178	81	0.048	0.048	NUM
fsr-3305	178	82	)	)	PUNCT
fsr-3305	178	83	0.144b	0.144b	PROPN
fsr-3305	178	84	(	(	PUNCT
fsr-3305	178	85	0.66	0.66	NUM
fsr-3305	178	86	)	)	PUNCT
fsr-3305	178	87	0.149b	0.149b	NOUN
fsr-3305	178	88	(	(	PUNCT
fsr-3305	178	89	0.073	0.073	NUM
fsr-3305	178	90	)	)	PUNCT
fsr-3305	178	91	0.143b	0.143b	NOUN
fsr-3305	178	92	(	(	PUNCT
fsr-3305	178	93	0.072	0.072	NUM
fsr-3305	178	94	)	)	PUNCT
fsr-3305	178	95	emp	emp	NOUN
fsr-3305	178	96	0.029	0.029	NUM
fsr-3305	178	97	(	(	PUNCT
fsr-3305	178	98	0.042	0.042	NUM
fsr-3305	178	99	)	)	PUNCT
fsr-3305	178	100	0.059	0.059	NUM
fsr-3305	178	101	(	(	PUNCT
fsr-3305	178	102	0.051	0.051	NUM
fsr-3305	178	103	)	)	PUNCT
fsr-3305	178	104	0.002	0.002	NUM
fsr-3305	178	105	(	(	PUNCT
fsr-3305	178	106	0.046	0.046	NUM
fsr-3305	178	107	)	)	PUNCT
fsr-3305	178	108	0.065	0.065	NUM
fsr-3305	178	109	(	(	PUNCT
fsr-3305	178	110	0.063	0.063	NUM
fsr-3305	178	111	)	)	PUNCT
fsr-3305	178	112	0.040	0.040	NUM
fsr-3305	178	113	(	(	PUNCT
fsr-3305	178	114	0.071	0.071	NUM
fsr-3305	178	115	)	)	PUNCT
fsr-3305	178	116	0.041	0.041	NUM
fsr-3305	178	117	(	(	PUNCT
fsr-3305	178	118	0.069	0.069	NUM
fsr-3305	178	119	)	)	PUNCT
fsr-3305	178	120	res	re	NOUN
fsr-3305	178	121	�	�	PROPN
fsr-3305	178	122	0.008	0.008	NUM
fsr-3305	178	123	(	(	PUNCT
fsr-3305	178	124	0.044	0.044	NUM
fsr-3305	178	125	)	)	PUNCT
fsr-3305	178	126	0.089	0.089	NUM
fsr-3305	178	127	(	(	PUNCT
fsr-3305	178	128	0.053	0.053	NUM
fsr-3305	178	129	)	)	PUNCT
fsr-3305	178	130	�	�	PROPN
fsr-3305	178	131	0.015	0.015	NUM
fsr-3305	178	132	(	(	PUNCT
fsr-3305	178	133	0.048	0.048	NUM
fsr-3305	178	134	)	)	PUNCT
fsr-3305	178	135	�	�	PROPN
fsr-3305	178	136	0.034	0.034	NUM
fsr-3305	178	137	(	(	PUNCT
fsr-3305	178	138	0.066	0.066	NUM
fsr-3305	178	139	)	)	PUNCT
fsr-3305	178	140	�	�	PROPN
fsr-3305	178	141	0.087	0.087	NUM
fsr-3305	178	142	(	(	PUNCT
fsr-3305	178	143	0.073	0.073	NUM
fsr-3305	178	144	)	)	PUNCT
fsr-3305	178	145	�	�	PROPN
fsr-3305	178	146	0.054	0.054	NUM
fsr-3305	178	147	(	(	PUNCT
fsr-3305	178	148	0.072	0.072	NUM
fsr-3305	178	149	)	)	PUNCT
fsr-3305	178	150	r2	r2	NOUN
fsr-3305	178	151	0.148	0.148	NUM
fsr-3305	178	152	0.152	0.152	NUM
fsr-3305	178	153	0.091	0.091	NUM
fsr-3305	178	154	0.091	0.091	NUM
fsr-3305	178	155	0.131	0.131	NUM
fsr-3305	178	156	0.086	0.086	NUM
fsr-3305	178	157	f	f	X
fsr-3305	178	158	-	-	PUNCT
fsr-3305	178	159	statistic	statistic	ADJ
fsr-3305	178	160	3.19c	3.19c	NUM
fsr-3305	178	161	3.24c	3.24c	NUM
fsr-3305	178	162	2.721b	2.721b	NUM
fsr-3305	178	163	2.654b	2.654b	PROPN
fsr-3305	178	164	2.983b	2.983b	NOUN
fsr-3305	178	165	2.457a	2.457a	VERB
fsr-3305	178	166	the	the	DET
fsr-3305	178	167	dependent	dependent	ADJ
fsr-3305	178	168	variables	variable	NOUN
fsr-3305	178	169	include	include	VERB
fsr-3305	178	170	:	:	PUNCT
fsr-3305	178	171	overall	overall	ADJ
fsr-3305	178	172	financial	financial	ADJ
fsr-3305	178	173	literacy	literacy	NOUN
fsr-3305	178	174	(	(	PUNCT
fsr-3305	178	175	flo	flo	ADJ
fsr-3305	178	176	)	)	PUNCT
fsr-3305	178	177	is	be	AUX
fsr-3305	178	178	the	the	DET
fsr-3305	178	179	percentage	percentage	NOUN
fsr-3305	178	180	of	of	ADP
fsr-3305	178	181	correct	correct	ADJ
fsr-3305	178	182	scores	score	NOUN
fsr-3305	178	183	from	from	ADP
fsr-3305	178	184	28	28	NUM
fsr-3305	178	185	questions	question	NOUN
fsr-3305	178	186	on	on	ADP
fsr-3305	178	187	financial	financial	ADJ
fsr-3305	178	188	literacy	literacy	NOUN
fsr-3305	178	189	.	.	PUNCT
fsr-3305	179	1	fli	fli	NOUN
fsr-3305	179	2	represents	represent	VERB
fsr-3305	179	3	the	the	DET
fsr-3305	179	4	financial	financial	ADJ
fsr-3305	179	5	literacy	literacy	NOUN
fsr-3305	179	6	metric	metric	NOUN
fsr-3305	179	7	focused	focus	VERB
fsr-3305	179	8	on	on	ADP
fsr-3305	179	9	investments	investment	NOUN
fsr-3305	179	10	.	.	PUNCT
fsr-3305	180	1	flb	flb	PROPN
fsr-3305	180	2	represents	represent	VERB
fsr-3305	180	3	the	the	DET
fsr-3305	180	4	financial	financial	ADJ
fsr-3305	180	5	literacy	literacy	NOUN
fsr-3305	180	6	metric	metric	NOUN
fsr-3305	180	7	focused	focus	VERB
fsr-3305	180	8	on	on	ADP
fsr-3305	180	9	budgeting	budgeting	NOUN
fsr-3305	180	10	.	.	PUNCT
fsr-3305	181	1	fle	fle	PROPN
fsr-3305	181	2	represents	represent	VERB
fsr-3305	181	3	the	the	DET
fsr-3305	181	4	financial	financial	ADJ
fsr-3305	181	5	literacy	literacy	NOUN
fsr-3305	181	6	metric	metric	NOUN
fsr-3305	181	7	focused	focus	VERB
fsr-3305	181	8	on	on	ADP
fsr-3305	181	9	economics	economic	NOUN
fsr-3305	181	10	.	.	PUNCT
fsr-3305	182	1	frrm	frrm	PROPN
fsr-3305	182	2	represents	represent	VERB
fsr-3305	182	3	the	the	DET
fsr-3305	182	4	financial	financial	ADJ
fsr-3305	182	5	literacy	literacy	NOUN
fsr-3305	182	6	metric	metric	NOUN
fsr-3305	182	7	focused	focus	VERB
fsr-3305	182	8	on	on	ADP
fsr-3305	182	9	risk	risk	NOUN
fsr-3305	182	10	management	management	NOUN
fsr-3305	182	11	.	.	PUNCT
fsr-3305	183	1	flrp	flrp	PROPN
fsr-3305	183	2	represents	represent	VERB
fsr-3305	183	3	the	the	DET
fsr-3305	183	4	financial	financial	ADJ
fsr-3305	183	5	literacy	literacy	NOUN
fsr-3305	183	6	metric	metric	NOUN
fsr-3305	183	7	focused	focus	VERB
fsr-3305	183	8	on	on	ADP
fsr-3305	183	9	retirement	retirement	NOUN
fsr-3305	183	10	planning	planning	NOUN
fsr-3305	183	11	.	.	PUNCT
fsr-3305	184	1	the	the	DET
fsr-3305	184	2	independent	independent	ADJ
fsr-3305	184	3	variables	variable	NOUN
fsr-3305	184	4	include	include	VERB
fsr-3305	184	5	:	:	PUNCT
fsr-3305	184	6	gender	gender	NOUN
fsr-3305	184	7	(	(	PUNCT
fsr-3305	184	8	gen	gen	PROPN
fsr-3305	184	9	)	)	PUNCT
fsr-3305	184	10	equal	equal	ADJ
fsr-3305	184	11	to	to	ADP
fsr-3305	184	12	1	1	NUM
fsr-3305	184	13	if	if	SCONJ
fsr-3305	184	14	the	the	DET
fsr-3305	184	15	participant	participant	NOUN
fsr-3305	184	16	is	be	AUX
fsr-3305	184	17	male	male	ADJ
fsr-3305	184	18	and	and	CCONJ
fsr-3305	184	19	zero	zero	NUM
fsr-3305	184	20	if	if	SCONJ
fsr-3305	184	21	female	female	NOUN
fsr-3305	184	22	.	.	PUNCT
fsr-3305	185	1	race	race	NOUN
fsr-3305	185	2	(	(	PUNCT
fsr-3305	185	3	race	race	NOUN
fsr-3305	185	4	)	)	PUNCT
fsr-3305	185	5	equal	equal	ADJ
fsr-3305	185	6	to	to	ADP
fsr-3305	185	7	1	1	NUM
fsr-3305	185	8	if	if	SCONJ
fsr-3305	185	9	the	the	DET
fsr-3305	185	10	participant	participant	NOUN
fsr-3305	185	11	identifies	identify	VERB
fsr-3305	185	12	as	as	ADP
fsr-3305	185	13	caucasian	caucasian	ADJ
fsr-3305	185	14	and	and	CCONJ
fsr-3305	185	15	zero	zero	NUM
fsr-3305	185	16	if	if	SCONJ
fsr-3305	185	17	otherwise	otherwise	ADV
fsr-3305	185	18	.	.	PUNCT
fsr-3305	186	1	employment	employment	NOUN
fsr-3305	186	2	status	status	NOUN
fsr-3305	186	3	(	(	PUNCT
fsr-3305	186	4	emp	emp	NOUN
fsr-3305	186	5	)	)	PUNCT
fsr-3305	186	6	equal	equal	ADJ
fsr-3305	186	7	to	to	ADP
fsr-3305	186	8	one	one	NUM
fsr-3305	186	9	if	if	SCONJ
fsr-3305	186	10	the	the	DET
fsr-3305	186	11	participant	participant	NOUN
fsr-3305	186	12	has	have	AUX
fsr-3305	186	13	been	be	AUX
fsr-3305	186	14	in	in	ADP
fsr-3305	186	15	the	the	DET
fsr-3305	186	16	workforce	workforce	NOUN
fsr-3305	186	17	force	force	NOUN
fsr-3305	186	18	for	for	ADP
fsr-3305	186	19	more	more	ADJ
fsr-3305	186	20	than	than	ADP
fsr-3305	186	21	2	2	NUM
fsr-3305	186	22	years	year	NOUN
fsr-3305	186	23	and	and	CCONJ
fsr-3305	186	24	zero	zero	NUM
fsr-3305	186	25	if	if	SCONJ
fsr-3305	186	26	not	not	PART
fsr-3305	186	27	.	.	PUNCT
fsr-3305	187	1	residence	residence	NOUN
fsr-3305	187	2	in	in	ADP
fsr-3305	187	3	canada	canada	PROPN
fsr-3305	187	4	(	(	PUNCT
fsr-3305	187	5	res	re	NOUN
fsr-3305	187	6	)	)	PUNCT
fsr-3305	187	7	equal	equal	ADJ
fsr-3305	187	8	to	to	ADP
fsr-3305	187	9	one	one	NUM
fsr-3305	187	10	if	if	SCONJ
fsr-3305	187	11	the	the	DET
fsr-3305	187	12	participant	participant	NOUN
fsr-3305	187	13	has	have	AUX
fsr-3305	187	14	held	hold	VERB
fsr-3305	187	15	residence	residence	NOUN
fsr-3305	187	16	in	in	ADP
fsr-3305	187	17	canada	canada	PROPN
fsr-3305	187	18	for	for	ADP
fsr-3305	187	19	more	more	ADJ
fsr-3305	187	20	5	5	NUM
fsr-3305	187	21	years	year	NOUN
fsr-3305	187	22	and	and	CCONJ
fsr-3305	187	23	0	0	NUM
fsr-3305	187	24	if	if	SCONJ
fsr-3305	187	25	otherwise	otherwise	ADV
fsr-3305	187	26	.	.	PUNCT
fsr-3305	188	1	aindicates	aindicate	NOUN
fsr-3305	188	2	significance	significance	NOUN
fsr-3305	188	3	at	at	ADP
fsr-3305	188	4	the	the	DET
fsr-3305	188	5	10	10	NUM
fsr-3305	188	6	%	%	NOUN
fsr-3305	188	7	level	level	NOUN
fsr-3305	188	8	,	,	PUNCT
fsr-3305	188	9	bat	bat	VERB
fsr-3305	188	10	the	the	DET
fsr-3305	188	11	5	5	NUM
fsr-3305	188	12	%	%	NOUN
fsr-3305	188	13	level	level	NOUN
fsr-3305	188	14	,	,	PUNCT
fsr-3305	188	15	cat	cat	NOUN
fsr-3305	188	16	the	the	DET
fsr-3305	188	17	1	1	NUM
fsr-3305	188	18	%	%	NOUN
fsr-3305	188	19	level	level	NOUN
fsr-3305	188	20	.	.	PUNCT
fsr-3305	189	1	152	152	NUM
fsr-3305	189	2	r.n	r.n	PROPN
fsr-3305	189	3	.	.	PROPN
fsr-3305	189	4	killins	killins	PROPN
fsr-3305	189	5	/	/	SYM
fsr-3305	189	6	financial	financial	ADJ
fsr-3305	189	7	services	service	NOUN
fsr-3305	189	8	review	review	VERB
fsr-3305	189	9	26	26	NUM
fsr-3305	189	10	(	(	PUNCT
fsr-3305	189	11	2017	2017	NUM
fsr-3305	189	12	)	)	PUNCT
fsr-3305	189	13	143–165	143–165	NUM
fsr-3305	189	14	imately	imately	ADV
fsr-3305	189	15	13	13	NUM
fsr-3305	189	16	%	%	NOUN
fsr-3305	189	17	lower	low	ADJ
fsr-3305	189	18	scores	score	NOUN
fsr-3305	189	19	in	in	ADP
fsr-3305	189	20	the	the	DET
fsr-3305	189	21	overall	overall	ADJ
fsr-3305	189	22	financial	financial	ADJ
fsr-3305	189	23	literacy	literacy	NOUN
fsr-3305	189	24	survey	survey	NOUN
fsr-3305	189	25	.	.	PUNCT
fsr-3305	190	1	this	this	DET
fsr-3305	190	2	result	result	NOUN
fsr-3305	190	3	holds	hold	VERB
fsr-3305	190	4	across	across	ADP
fsr-3305	190	5	all	all	DET
fsr-3305	190	6	five	five	NUM
fsr-3305	190	7	subsections	subsection	NOUN
fsr-3305	190	8	(	(	PUNCT
fsr-3305	190	9	investments	investment	NOUN
fsr-3305	190	10	,	,	PUNCT
fsr-3305	190	11	budgeting	budgeting	NOUN
fsr-3305	190	12	,	,	PUNCT
fsr-3305	190	13	economics	economic	NOUN
fsr-3305	190	14	,	,	PUNCT
fsr-3305	190	15	risk	risk	NOUN
fsr-3305	190	16	management	management	NOUN
fsr-3305	190	17	,	,	PUNCT
fsr-3305	190	18	and	and	CCONJ
fsr-3305	190	19	retirement	retirement	NOUN
fsr-3305	190	20	planning	planning	NOUN
fsr-3305	190	21	)	)	PUNCT
fsr-3305	190	22	of	of	ADP
fsr-3305	190	23	the	the	DET
fsr-3305	190	24	financial	financial	ADJ
fsr-3305	190	25	literacy	literacy	NOUN
fsr-3305	190	26	survey	survey	NOUN
fsr-3305	190	27	and	and	CCONJ
fsr-3305	190	28	is	be	AUX
fsr-3305	190	29	significant	significant	ADJ
fsr-3305	190	30	at	at	ADP
fsr-3305	190	31	all	all	DET
fsr-3305	190	32	conventional	conventional	ADJ
fsr-3305	190	33	statistical	statistical	ADJ
fsr-3305	190	34	significance	significance	NOUN
fsr-3305	190	35	levels	level	NOUN
fsr-3305	190	36	.	.	PUNCT
fsr-3305	191	1	unlike	unlike	ADP
fsr-3305	191	2	previous	previous	ADJ
fsr-3305	191	3	studies	study	NOUN
fsr-3305	191	4	by	by	ADP
fsr-3305	191	5	lusardi	lusardi	PROPN
fsr-3305	191	6	and	and	CCONJ
fsr-3305	191	7	mitchell	mitchell	PROPN
fsr-3305	191	8	(	(	PUNCT
fsr-3305	191	9	2011a	2011a	NUM
fsr-3305	191	10	)	)	PUNCT
fsr-3305	191	11	and	and	CCONJ
fsr-3305	191	12	van	van	PROPN
fsr-3305	191	13	rooij	rooij	NOUN
fsr-3305	191	14	,	,	PUNCT
fsr-3305	191	15	lusardi	lusardi	NOUN
fsr-3305	191	16	,	,	PUNCT
fsr-3305	191	17	and	and	CCONJ
fsr-3305	191	18	alessie	alessie	ADJ
fsr-3305	191	19	(	(	PUNCT
fsr-3305	191	20	2011	2011	NUM
fsr-3305	191	21	)	)	PUNCT
fsr-3305	191	22	who	who	PRON
fsr-3305	191	23	find	find	VERB
fsr-3305	191	24	that	that	SCONJ
fsr-3305	191	25	women	woman	NOUN
fsr-3305	191	26	exhibit	exhibit	VERB
fsr-3305	191	27	lower	low	ADJ
fsr-3305	191	28	scores	score	NOUN
fsr-3305	191	29	in	in	ADP
fsr-3305	191	30	financial	financial	ADJ
fsr-3305	191	31	literacy	literacy	NOUN
fsr-3305	191	32	than	than	ADP
fsr-3305	191	33	men	man	NOUN
fsr-3305	191	34	,	,	PUNCT
fsr-3305	191	35	this	this	DET
fsr-3305	191	36	study	study	NOUN
fsr-3305	191	37	does	do	AUX
fsr-3305	191	38	not	not	PART
fsr-3305	191	39	find	find	VERB
fsr-3305	191	40	the	the	DET
fsr-3305	191	41	gender	gender	NOUN
fsr-3305	191	42	variable	variable	NOUN
fsr-3305	191	43	significant	significant	ADJ
fsr-3305	191	44	in	in	ADP
fsr-3305	191	45	determining	determine	VERB
fsr-3305	191	46	financial	financial	ADJ
fsr-3305	191	47	literacy	literacy	NOUN
fsr-3305	191	48	levels	level	NOUN
fsr-3305	191	49	.	.	PUNCT
fsr-3305	192	1	in	in	ADP
fsr-3305	192	2	fact	fact	NOUN
fsr-3305	192	3	,	,	PUNCT
fsr-3305	192	4	when	when	SCONJ
fsr-3305	192	5	measuring	measure	VERB
fsr-3305	192	6	financial	financial	ADJ
fsr-3305	192	7	literacy	literacy	NOUN
fsr-3305	192	8	surrounding	surround	VERB
fsr-3305	192	9	risk	risk	NOUN
fsr-3305	192	10	management	management	NOUN
fsr-3305	192	11	,	,	PUNCT
fsr-3305	192	12	males	male	NOUN
fsr-3305	192	13	tend	tend	VERB
fsr-3305	192	14	to	to	PART
fsr-3305	192	15	exhibit	exhibit	VERB
fsr-3305	192	16	lower	low	ADJ
fsr-3305	192	17	financial	financial	ADJ
fsr-3305	192	18	literacy	literacy	NOUN
fsr-3305	192	19	than	than	ADP
fsr-3305	192	20	females	female	NOUN
fsr-3305	192	21	.	.	PUNCT
fsr-3305	193	1	finally	finally	ADV
fsr-3305	193	2	,	,	PUNCT
fsr-3305	193	3	employment	employment	NOUN
fsr-3305	193	4	status	status	NOUN
fsr-3305	193	5	or	or	CCONJ
fsr-3305	193	6	experience	experience	NOUN
fsr-3305	193	7	and	and	CCONJ
fsr-3305	193	8	residency	residency	NOUN
fsr-3305	193	9	length	length	NOUN
fsr-3305	193	10	do	do	AUX
fsr-3305	193	11	not	not	PART
fsr-3305	193	12	seem	seem	VERB
fsr-3305	193	13	to	to	PART
fsr-3305	193	14	influence	influence	VERB
fsr-3305	193	15	the	the	DET
fsr-3305	193	16	levels	level	NOUN
fsr-3305	193	17	of	of	ADP
fsr-3305	193	18	the	the	DET
fsr-3305	193	19	participants	participant	NOUN
fsr-3305	193	20	in	in	ADP
fsr-3305	193	21	this	this	DET
fsr-3305	193	22	survey	survey	NOUN
fsr-3305	193	23	.	.	PUNCT
fsr-3305	194	1	table	table	NOUN
fsr-3305	194	2	4	4	NUM
fsr-3305	194	3	provides	provide	VERB
fsr-3305	194	4	the	the	DET
fsr-3305	194	5	results	result	NOUN
fsr-3305	194	6	from	from	ADP
fsr-3305	194	7	regression	regression	NOUN
fsr-3305	194	8	(	(	PUNCT
fsr-3305	194	9	2	2	NUM
fsr-3305	194	10	)	)	PUNCT
fsr-3305	194	11	which	which	PRON
fsr-3305	194	12	incorporates	incorporate	VERB
fsr-3305	194	13	the	the	DET
fsr-3305	194	14	control	control	NOUN
fsr-3305	194	15	variables	variable	NOUN
fsr-3305	194	16	above	above	ADV
fsr-3305	194	17	along	along	ADP
fsr-3305	194	18	with	with	ADP
fsr-3305	194	19	the	the	DET
fsr-3305	194	20	big	big	ADJ
fsr-3305	194	21	five	five	NUM
fsr-3305	194	22	personality	personality	NOUN
fsr-3305	194	23	traits	trait	NOUN
fsr-3305	194	24	(	(	PUNCT
fsr-3305	194	25	extraversion	extraversion	NOUN
fsr-3305	194	26	,	,	PUNCT
fsr-3305	194	27	agreeableness	agreeableness	NOUN
fsr-3305	194	28	,	,	PUNCT
fsr-3305	194	29	conscientiousness	conscientiousness	NOUN
fsr-3305	194	30	,	,	PUNCT
fsr-3305	194	31	neuroticism	neuroticism	NOUN
fsr-3305	194	32	,	,	PUNCT
fsr-3305	194	33	and	and	CCONJ
fsr-3305	194	34	openness	openness	NOUN
fsr-3305	194	35	)	)	PUNCT
fsr-3305	194	36	.	.	PUNCT
fsr-3305	195	1	the	the	DET
fsr-3305	195	2	extraversion	extraversion	NOUN
fsr-3305	195	3	and	and	CCONJ
fsr-3305	195	4	conscientiousness	conscientiousness	NOUN
fsr-3305	195	5	variables	variable	NOUN
fsr-3305	195	6	show	show	VERB
fsr-3305	195	7	to	to	PART
fsr-3305	195	8	be	be	AUX
fsr-3305	195	9	statistically	statistically	ADV
fsr-3305	195	10	significant	significant	ADJ
fsr-3305	195	11	on	on	ADP
fsr-3305	195	12	the	the	DET
fsr-3305	195	13	various	various	ADJ
fsr-3305	195	14	measures	measure	NOUN
fsr-3305	195	15	of	of	ADP
fsr-3305	195	16	financial	financial	ADJ
fsr-3305	195	17	literacy	literacy	NOUN
fsr-3305	195	18	but	but	CCONJ
fsr-3305	195	19	have	have	VERB
fsr-3305	195	20	differing	differ	VERB
fsr-3305	195	21	effects	effect	NOUN
fsr-3305	195	22	.	.	PUNCT
fsr-3305	196	1	the	the	DET
fsr-3305	196	2	extraversion	extraversion	NOUN
fsr-3305	196	3	coefficient	coefficient	NOUN
fsr-3305	196	4	ranges	range	VERB
fsr-3305	196	5	from	from	ADP
fsr-3305	196	6	�	�	PROPN
fsr-3305	196	7	0.120	0.120	NUM
fsr-3305	196	8	to	to	ADP
fsr-3305	196	9	�	�	VERB
fsr-3305	196	10	0.023	0.023	NUM
fsr-3305	196	11	across	across	ADP
fsr-3305	196	12	the	the	DET
fsr-3305	196	13	various	various	ADJ
fsr-3305	196	14	measures	measure	NOUN
fsr-3305	196	15	of	of	ADP
fsr-3305	196	16	financial	financial	ADJ
fsr-3305	196	17	literacy	literacy	NOUN
fsr-3305	196	18	suggesting	suggest	VERB
fsr-3305	196	19	that	that	SCONJ
fsr-3305	196	20	individuals	individual	NOUN
fsr-3305	196	21	that	that	PRON
fsr-3305	196	22	exhibit	exhibit	VERB
fsr-3305	196	23	more	more	ADJ
fsr-3305	196	24	extroversive	extroversive	ADJ
fsr-3305	196	25	characteristics	characteristic	NOUN
fsr-3305	196	26	have	have	VERB
fsr-3305	196	27	lower	low	ADJ
fsr-3305	196	28	levels	level	NOUN
fsr-3305	196	29	financial	financial	ADJ
fsr-3305	196	30	literacy	literacy	NOUN
fsr-3305	196	31	than	than	ADP
fsr-3305	196	32	those	those	PRON
fsr-3305	196	33	who	who	PRON
fsr-3305	196	34	may	may	AUX
fsr-3305	196	35	be	be	AUX
fsr-3305	196	36	more	more	ADJ
fsr-3305	196	37	of	of	ADP
fsr-3305	196	38	an	an	DET
fsr-3305	196	39	introvert	introvert	NOUN
fsr-3305	196	40	.	.	PUNCT
fsr-3305	197	1	the	the	DET
fsr-3305	197	2	conscientiousness	conscientiousness	NOUN
fsr-3305	197	3	variable	variable	NOUN
fsr-3305	197	4	ranges	range	VERB
fsr-3305	197	5	from	from	ADP
fsr-3305	197	6	0.164	0.164	NUM
fsr-3305	197	7	to	to	ADP
fsr-3305	197	8	0.021	0.021	NUM
fsr-3305	197	9	,	,	PUNCT
fsr-3305	197	10	indicating	indicate	VERB
fsr-3305	197	11	that	that	SCONJ
fsr-3305	197	12	individuals	individual	NOUN
fsr-3305	197	13	who	who	PRON
fsr-3305	197	14	score	score	VERB
fsr-3305	197	15	higher	higher	ADV
fsr-3305	197	16	on	on	ADP
fsr-3305	197	17	conscientiousness	conscientiousness	NOUN
fsr-3305	197	18	tend	tend	VERB
fsr-3305	197	19	to	to	PART
fsr-3305	197	20	have	have	VERB
fsr-3305	197	21	a	a	DET
fsr-3305	197	22	greater	great	ADJ
fsr-3305	197	23	degree	degree	NOUN
fsr-3305	197	24	of	of	ADP
fsr-3305	197	25	financial	financial	ADJ
fsr-3305	197	26	literacy	literacy	NOUN
fsr-3305	197	27	.	.	PUNCT
fsr-3305	198	1	conscientiousness	conscientiousness	NOUN
fsr-3305	198	2	tends	tend	VERB
fsr-3305	198	3	to	to	PART
fsr-3305	198	4	impact	impact	VERB
fsr-3305	198	5	risk	risk	NOUN
fsr-3305	198	6	management	management	NOUN
fsr-3305	198	7	and	and	CCONJ
fsr-3305	198	8	economics	economic	NOUN
fsr-3305	198	9	literacy	literacy	NOUN
fsr-3305	198	10	the	the	DET
fsr-3305	198	11	most	most	ADV
fsr-3305	198	12	but	but	CCONJ
fsr-3305	198	13	has	have	VERB
fsr-3305	198	14	little	little	ADJ
fsr-3305	198	15	impact	impact	NOUN
fsr-3305	198	16	on	on	ADP
fsr-3305	198	17	budgeting	budgeting	NOUN
fsr-3305	198	18	.	.	PUNCT
fsr-3305	199	1	of	of	ADP
fsr-3305	199	2	the	the	DET
fsr-3305	199	3	other	other	ADJ
fsr-3305	199	4	personality	personality	NOUN
fsr-3305	199	5	traits	trait	NOUN
fsr-3305	199	6	table	table	NOUN
fsr-3305	199	7	4	4	NUM
fsr-3305	199	8	regression	regression	NOUN
fsr-3305	199	9	results	result	NOUN
fsr-3305	199	10	(	(	PUNCT
fsr-3305	199	11	full	full	ADJ
fsr-3305	199	12	model	model	NOUN
fsr-3305	199	13	)	)	PUNCT
fsr-3305	199	14	variable	variable	NOUN
fsr-3305	199	15	flo	flo	PROPN
fsr-3305	199	16	fli	fli	PROPN
fsr-3305	199	17	flb	flb	PROPN
fsr-3305	199	18	fle	fle	PROPN
fsr-3305	199	19	flrm	flrm	PROPN
fsr-3305	199	20	flrp	flrp	PROPN
fsr-3305	199	21	constant	constant	ADJ
fsr-3305	199	22	0.386	0.386	NUM
fsr-3305	199	23	(	(	PUNCT
fsr-3305	199	24	0.252	0.252	NUM
fsr-3305	199	25	)	)	PUNCT
fsr-3305	199	26	0.337	0.337	NUM
fsr-3305	199	27	(	(	PUNCT
fsr-3305	199	28	0.311	0.311	NUM
fsr-3305	199	29	)	)	PUNCT
fsr-3305	199	30	0.188	0.188	NUM
fsr-3305	199	31	(	(	PUNCT
fsr-3305	199	32	0.277	0.277	NUM
fsr-3305	199	33	)	)	PUNCT
fsr-3305	199	34	0.363	0.363	NUM
fsr-3305	199	35	(	(	PUNCT
fsr-3305	199	36	0.398	0.398	NUM
fsr-3305	199	37	)	)	PUNCT
fsr-3305	199	38	�	�	PROPN
fsr-3305	199	39	0.068	0.068	NUM
fsr-3305	199	40	(	(	PUNCT
fsr-3305	199	41	0.408	0.408	NUM
fsr-3305	199	42	)	)	PUNCT
fsr-3305	199	43	0.992b	0.992b	NOUN
fsr-3305	199	44	(	(	PUNCT
fsr-3305	199	45	0.434	0.434	NUM
fsr-3305	199	46	)	)	PUNCT
fsr-3305	199	47	gen	gen	PROPN
fsr-3305	199	48	�	�	PROPN
fsr-3305	199	49	0.007	0.007	NUM
fsr-3305	199	50	(	(	PUNCT
fsr-3305	199	51	0.042	0.042	NUM
fsr-3305	199	52	)	)	PUNCT
fsr-3305	199	53	0.023	0.023	NUM
fsr-3305	199	54	(	(	PUNCT
fsr-3305	199	55	0.052	0.052	NUM
fsr-3305	199	56	)	)	PUNCT
fsr-3305	199	57	0.029	0.029	NUM
fsr-3305	199	58	(	(	PUNCT
fsr-3305	199	59	0.046	0.046	NUM
fsr-3305	199	60	)	)	PUNCT
fsr-3305	199	61	0.005	0.005	NUM
fsr-3305	199	62	(	(	PUNCT
fsr-3305	199	63	0.067	0.067	NUM
fsr-3305	199	64	)	)	PUNCT
fsr-3305	199	65	�	�	PROPN
fsr-3305	199	66	0.082	0.082	NUM
fsr-3305	199	67	(	(	PUNCT
fsr-3305	199	68	0.068	0.068	NUM
fsr-3305	199	69	)	)	PUNCT
fsr-3305	199	70	�	�	PROPN
fsr-3305	199	71	0.059	0.059	NUM
fsr-3305	199	72	(	(	PUNCT
fsr-3305	199	73	0.073	0.073	NUM
fsr-3305	199	74	)	)	PUNCT
fsr-3305	199	75	race	race	NOUN
fsr-3305	199	76	0.134c	0.134c	NOUN
fsr-3305	199	77	(	(	PUNCT
fsr-3305	199	78	0.041	0.041	NUM
fsr-3305	199	79	)	)	PUNCT
fsr-3305	199	80	0.166c	0.166c	NOUN
fsr-3305	199	81	(	(	PUNCT
fsr-3305	199	82	0.051	0.051	NUM
fsr-3305	199	83	)	)	PUNCT
fsr-3305	199	84	0.079a	0.079a	NOUN
fsr-3305	199	85	(	(	PUNCT
fsr-3305	199	86	0.045	0.045	NUM
fsr-3305	199	87	)	)	PUNCT
fsr-3305	199	88	0.164b	0.164b	NOUN
fsr-3305	199	89	(	(	PUNCT
fsr-3305	199	90	0.065	0.065	NUM
fsr-3305	199	91	)	)	PUNCT
fsr-3305	199	92	0.162b	0.162b	NOUN
fsr-3305	199	93	(	(	PUNCT
fsr-3305	199	94	0.067	0.067	NUM
fsr-3305	199	95	)	)	PUNCT
fsr-3305	199	96	0.153b	0.153b	NOUN
fsr-3305	199	97	(	(	PUNCT
fsr-3305	199	98	0.071	0.071	NUM
fsr-3305	199	99	)	)	PUNCT
fsr-3305	199	100	emp	emp	NOUN
fsr-3305	199	101	0.010	0.010	NUM
fsr-3305	199	102	(	(	PUNCT
fsr-3305	199	103	0.040	0.040	NUM
fsr-3305	199	104	)	)	PUNCT
fsr-3305	199	105	0.043	0.043	NUM
fsr-3305	199	106	(	(	PUNCT
fsr-3305	199	107	0.050	0.050	NUM
fsr-3305	199	108	)	)	PUNCT
fsr-3305	199	109	0.015	0.015	NUM
fsr-3305	199	110	(	(	PUNCT
fsr-3305	199	111	0.044	0.044	NUM
fsr-3305	199	112	)	)	PUNCT
fsr-3305	199	113	0.031	0.031	NUM
fsr-3305	199	114	(	(	PUNCT
fsr-3305	199	115	0.064	0.064	NUM
fsr-3305	199	116	)	)	PUNCT
fsr-3305	199	117	0.018	0.018	NUM
fsr-3305	199	118	(	(	PUNCT
fsr-3305	199	119	0.065	0.065	NUM
fsr-3305	199	120	)	)	PUNCT
fsr-3305	199	121	�	�	PROPN
fsr-3305	199	122	0.006	0.006	NUM
fsr-3305	199	123	(	(	PUNCT
fsr-3305	199	124	0.069	0.069	NUM
fsr-3305	199	125	)	)	PUNCT
fsr-3305	199	126	res	re	NOUN
fsr-3305	199	127	0.001	0.001	NUM
fsr-3305	199	128	(	(	PUNCT
fsr-3305	199	129	0.042	0.042	NUM
fsr-3305	199	130	)	)	PUNCT
fsr-3305	199	131	0.096a	0.096a	NOUN
fsr-3305	199	132	(	(	PUNCT
fsr-3305	199	133	0.051	0.051	NUM
fsr-3305	199	134	)	)	PUNCT
fsr-3305	199	135	�	�	PROPN
fsr-3305	199	136	0.030	0.030	NUM
fsr-3305	199	137	(	(	PUNCT
fsr-3305	199	138	0.045	0.045	NUM
fsr-3305	199	139	)	)	PUNCT
fsr-3305	199	140	�	�	PROPN
fsr-3305	199	141	0.001	0.001	NUM
fsr-3305	199	142	(	(	PUNCT
fsr-3305	199	143	0.065	0.065	NUM
fsr-3305	199	144	)	)	PUNCT
fsr-3305	199	145	�	�	PROPN
fsr-3305	199	146	0.069	0.069	NUM
fsr-3305	199	147	(	(	PUNCT
fsr-3305	199	148	0.066	0.066	NUM
fsr-3305	199	149	)	)	PUNCT
fsr-3305	199	150	�	�	PROPN
fsr-3305	199	151	0.028	0.028	NUM
fsr-3305	199	152	(	(	PUNCT
fsr-3305	199	153	0.071	0.071	NUM
fsr-3305	199	154	)	)	PUNCT
fsr-3305	199	155	bfie	bfie	NOUN
fsr-3305	199	156	�	�	NOUN
fsr-3305	199	157	0.071b	0.071b	VERB
fsr-3305	199	158	(	(	PUNCT
fsr-3305	199	159	0.034	0.034	NUM
fsr-3305	199	160	)	)	PUNCT
fsr-3305	199	161	�	�	PROPN
fsr-3305	199	162	0.089b	0.089b	PROPN
fsr-3305	199	163	(	(	PUNCT
fsr-3305	199	164	0.042	0.042	NUM
fsr-3305	199	165	)	)	PUNCT
fsr-3305	199	166	�	�	PROPN
fsr-3305	199	167	0.090b	0.090b	PROPN
fsr-3305	199	168	(	(	PUNCT
fsr-3305	199	169	0.037	0.037	NUM
fsr-3305	199	170	)	)	PUNCT
fsr-3305	199	171	�	�	PROPN
fsr-3305	199	172	0.034	0.034	NUM
fsr-3305	199	173	(	(	PUNCT
fsr-3305	199	174	0.054	0.054	NUM
fsr-3305	199	175	)	)	PUNCT
fsr-3305	199	176	�	�	PROPN
fsr-3305	199	177	0.023	0.023	NUM
fsr-3305	199	178	(	(	PUNCT
fsr-3305	199	179	0.055	0.055	NUM
fsr-3305	199	180	)	)	PUNCT
fsr-3305	199	181	�	�	NOUN
fsr-3305	199	182	0.120b	0.120b	PROPN
fsr-3305	199	183	(	(	PUNCT
fsr-3305	199	184	0.059	0.059	NUM
fsr-3305	199	185	)	)	PUNCT
fsr-3305	199	186	bfia	bfia	NOUN
fsr-3305	199	187	�	�	PROPN
fsr-3305	199	188	0.005	0.005	NUM
fsr-3305	199	189	(	(	PUNCT
fsr-3305	199	190	0.034	0.034	NUM
fsr-3305	199	191	)	)	PUNCT
fsr-3305	199	192	0.018	0.018	NUM
fsr-3305	199	193	(	(	PUNCT
fsr-3305	199	194	0.042	0.042	NUM
fsr-3305	199	195	)	)	PUNCT
fsr-3305	199	196	0.055	0.055	NUM
fsr-3305	199	197	(	(	PUNCT
fsr-3305	199	198	0.037	0.037	NUM
fsr-3305	199	199	)	)	PUNCT
fsr-3305	199	200	�	�	PROPN
fsr-3305	199	201	0.048	0.048	NUM
fsr-3305	199	202	(	(	PUNCT
fsr-3305	199	203	0.054	0.054	NUM
fsr-3305	199	204	)	)	PUNCT
fsr-3305	199	205	0.026	0.026	NUM
fsr-3305	199	206	(	(	PUNCT
fsr-3305	199	207	0.056	0.056	NUM
fsr-3305	199	208	)	)	PUNCT
fsr-3305	199	209	�	�	PROPN
fsr-3305	199	210	0.092	0.092	NUM
fsr-3305	199	211	(	(	PUNCT
fsr-3305	199	212	0.059	0.059	NUM
fsr-3305	199	213	)	)	PUNCT
fsr-3305	199	214	bfic	bfic	NOUN
fsr-3305	199	215	0.103c	0.103c	NUM
fsr-3305	199	216	(	(	PUNCT
fsr-3305	199	217	0.035	0.035	NUM
fsr-3305	199	218	)	)	PUNCT
fsr-3305	199	219	0.095b	0.095b	NOUN
fsr-3305	199	220	(	(	PUNCT
fsr-3305	199	221	0.042	0.042	NUM
fsr-3305	199	222	)	)	PUNCT
fsr-3305	199	223	0.021	0.021	NUM
fsr-3305	199	224	(	(	PUNCT
fsr-3305	199	225	0.038	0.038	NUM
fsr-3305	199	226	)	)	PUNCT
fsr-3305	199	227	0.149c	0.149c	PROPN
fsr-3305	199	228	(	(	PUNCT
fsr-3305	199	229	0.055	0.055	NUM
fsr-3305	199	230	)	)	PUNCT
fsr-3305	199	231	0.164c	0.164c	NUM
fsr-3305	199	232	(	(	PUNCT
fsr-3305	199	233	0.056	0.056	NUM
fsr-3305	199	234	)	)	PUNCT
fsr-3305	199	235	0.147b	0.147b	NUM
fsr-3305	199	236	(	(	PUNCT
fsr-3305	199	237	0.061	0.061	NUM
fsr-3305	199	238	)	)	PUNCT
fsr-3305	199	239	bfin	bfin	NOUN
fsr-3305	199	240	0.007	0.007	NUM
fsr-3305	199	241	(	(	PUNCT
fsr-3305	199	242	0.032	0.032	NUM
fsr-3305	199	243	)	)	PUNCT
fsr-3305	199	244	0.040	0.040	NUM
fsr-3305	199	245	(	(	PUNCT
fsr-3305	199	246	0.039	0.039	NUM
fsr-3305	199	247	)	)	PUNCT
fsr-3305	199	248	0.047	0.047	NUM
fsr-3305	199	249	(	(	PUNCT
fsr-3305	199	250	0.035	0.035	NUM
fsr-3305	199	251	)	)	PUNCT
fsr-3305	199	252	0.037	0.037	NUM
fsr-3305	199	253	(	(	PUNCT
fsr-3305	199	254	0.051	0.051	NUM
fsr-3305	199	255	)	)	PUNCT
fsr-3305	199	256	0.029	0.029	NUM
fsr-3305	199	257	(	(	PUNCT
fsr-3305	199	258	0.052	0.052	NUM
fsr-3305	199	259	)	)	PUNCT
fsr-3305	199	260	�	�	PROPN
fsr-3305	199	261	0.038	0.038	NUM
fsr-3305	199	262	(	(	PUNCT
fsr-3305	199	263	0.056	0.056	NUM
fsr-3305	199	264	)	)	PUNCT
fsr-3305	199	265	bfio	bfio	NOUN
fsr-3305	199	266	0.033	0.033	NUM
fsr-3305	199	267	(	(	PUNCT
fsr-3305	199	268	0.037	0.037	NUM
fsr-3305	199	269	)	)	PUNCT
fsr-3305	199	270	0.036	0.036	NUM
fsr-3305	199	271	(	(	PUNCT
fsr-3305	199	272	0.046	0.046	NUM
fsr-3305	199	273	)	)	PUNCT
fsr-3305	199	274	0.106b	0.106b	PROPN
fsr-3305	199	275	(	(	PUNCT
fsr-3305	199	276	0.041	0.041	NUM
fsr-3305	199	277	)	)	PUNCT
fsr-3305	199	278	�	�	PROPN
fsr-3305	199	279	0.008	0.008	NUM
fsr-3305	199	280	(	(	PUNCT
fsr-3305	199	281	0.059	0.059	NUM
fsr-3305	199	282	)	)	PUNCT
fsr-3305	199	283	0.046	0.046	NUM
fsr-3305	199	284	(	(	PUNCT
fsr-3305	199	285	0.060	0.060	NUM
fsr-3305	199	286	)	)	PUNCT
fsr-3305	199	287	�	�	PROPN
fsr-3305	199	288	0.032	0.032	NUM
fsr-3305	199	289	(	(	PUNCT
fsr-3305	199	290	0.064	0.064	NUM
fsr-3305	199	291	)	)	PUNCT
fsr-3305	199	292	r2	r2	NOUN
fsr-3305	199	293	0.276	0.276	NUM
fsr-3305	199	294	0.268	0.268	NUM
fsr-3305	199	295	0.252	0.252	NUM
fsr-3305	199	296	0.197	0.197	NUM
fsr-3305	199	297	0.271	0.271	NUM
fsr-3305	199	298	0.196	0.196	NUM
fsr-3305	199	299	f	f	X
fsr-3305	199	300	-	-	PUNCT
fsr-3305	199	301	statistic	statistic	ADJ
fsr-3305	199	302	4.156c	4.156c	NOUN
fsr-3305	199	303	3.456c	3.456c	NUM
fsr-3305	199	304	3.032c	3.032c	NUM
fsr-3305	199	305	2.602b	2.602b	NOUN
fsr-3305	199	306	3.756c	3.756c	NUM
fsr-3305	199	307	2.568b	2.568b	NUM
fsr-3305	199	308	the	the	DET
fsr-3305	199	309	dependent	dependent	ADJ
fsr-3305	199	310	variable(s	variable(s	NOUN
fsr-3305	199	311	)	)	PUNCT
fsr-3305	199	312	remain	remain	VERB
fsr-3305	199	313	as	as	ADP
fsr-3305	199	314	in	in	ADP
fsr-3305	199	315	table	table	NOUN
fsr-3305	199	316	3	3	NUM
fsr-3305	199	317	.	.	PUNCT
fsr-3305	200	1	the	the	DET
fsr-3305	200	2	control	control	NOUN
fsr-3305	200	3	variables	variables	PROPN
fsr-3305	200	4	gen	gen	PROPN
fsr-3305	200	5	,	,	PUNCT
fsr-3305	200	6	race	race	NOUN
fsr-3305	200	7	,	,	PUNCT
fsr-3305	200	8	emp	emp	NOUN
fsr-3305	200	9	,	,	PUNCT
fsr-3305	200	10	and	and	CCONJ
fsr-3305	200	11	res	re	NOUN
fsr-3305	200	12	remain	remain	VERB
fsr-3305	200	13	as	as	SCONJ
fsr-3305	200	14	described	describe	VERB
fsr-3305	200	15	in	in	ADP
fsr-3305	200	16	table	table	NOUN
fsr-3305	200	17	3	3	NUM
fsr-3305	200	18	.	.	PUNCT
fsr-3305	201	1	bfie	bfie	NOUN
fsr-3305	201	2	represents	represent	VERB
fsr-3305	201	3	the	the	DET
fsr-3305	201	4	level	level	NOUN
fsr-3305	201	5	of	of	ADP
fsr-3305	201	6	extroversion	extroversion	NOUN
fsr-3305	201	7	an	an	DET
fsr-3305	201	8	individual	individual	ADJ
fsr-3305	201	9	exhibits	exhibit	NOUN
fsr-3305	201	10	as	as	SCONJ
fsr-3305	201	11	measured	measure	VERB
fsr-3305	201	12	by	by	ADP
fsr-3305	201	13	the	the	DET
fsr-3305	201	14	big	big	ADJ
fsr-3305	201	15	five	five	NUM
fsr-3305	201	16	personality	personality	NOUN
fsr-3305	201	17	survey	survey	NOUN
fsr-3305	201	18	with	with	ADP
fsr-3305	201	19	scores	score	NOUN
fsr-3305	201	20	ranging	range	VERB
fsr-3305	201	21	from	from	ADP
fsr-3305	201	22	0.1	0.1	NUM
fsr-3305	201	23	(	(	PUNCT
fsr-3305	201	24	introvert	introvert	ADJ
fsr-3305	201	25	)	)	PUNCT
fsr-3305	201	26	to	to	ADP
fsr-3305	201	27	5.0	5.0	NUM
fsr-3305	201	28	(	(	PUNCT
fsr-3305	201	29	extrovert	extrovert	ADJ
fsr-3305	201	30	)	)	PUNCT
fsr-3305	201	31	.	.	PUNCT
fsr-3305	202	1	bfia	bfia	PROPN
fsr-3305	202	2	represents	represent	VERB
fsr-3305	202	3	the	the	DET
fsr-3305	202	4	level	level	NOUN
fsr-3305	202	5	of	of	ADP
fsr-3305	202	6	agreeableness	agreeableness	NOUN
fsr-3305	202	7	an	an	DET
fsr-3305	202	8	individual	individual	ADJ
fsr-3305	202	9	exhibits	exhibit	NOUN
fsr-3305	202	10	as	as	SCONJ
fsr-3305	202	11	measured	measure	VERB
fsr-3305	202	12	by	by	ADP
fsr-3305	202	13	the	the	DET
fsr-3305	202	14	big	big	ADJ
fsr-3305	202	15	five	five	NUM
fsr-3305	202	16	personality	personality	NOUN
fsr-3305	202	17	survey	survey	NOUN
fsr-3305	202	18	with	with	ADP
fsr-3305	202	19	scores	score	NOUN
fsr-3305	202	20	ranging	range	VERB
fsr-3305	202	21	from	from	ADP
fsr-3305	202	22	0.1	0.1	NUM
fsr-3305	202	23	(	(	PUNCT
fsr-3305	202	24	not	not	PART
fsr-3305	202	25	agreeable	agreeable	ADJ
fsr-3305	202	26	)	)	PUNCT
fsr-3305	202	27	to	to	ADP
fsr-3305	202	28	5.0	5.0	NUM
fsr-3305	202	29	(	(	PUNCT
fsr-3305	202	30	very	very	ADV
fsr-3305	202	31	agreeable	agreeable	ADJ
fsr-3305	202	32	)	)	PUNCT
fsr-3305	202	33	.	.	PUNCT
fsr-3305	203	1	bfic	bfic	NOUN
fsr-3305	203	2	represents	represent	VERB
fsr-3305	203	3	the	the	DET
fsr-3305	203	4	level	level	NOUN
fsr-3305	203	5	of	of	ADP
fsr-3305	203	6	conscientiousness	conscientiousness	NOUN
fsr-3305	203	7	an	an	DET
fsr-3305	203	8	individual	individual	ADJ
fsr-3305	203	9	exhibits	exhibit	NOUN
fsr-3305	203	10	as	as	SCONJ
fsr-3305	203	11	measured	measure	VERB
fsr-3305	203	12	by	by	ADP
fsr-3305	203	13	the	the	DET
fsr-3305	203	14	big	big	ADJ
fsr-3305	203	15	five	five	NUM
fsr-3305	203	16	personality	personality	NOUN
fsr-3305	203	17	survey	survey	NOUN
fsr-3305	203	18	with	with	ADP
fsr-3305	203	19	scores	score	NOUN
fsr-3305	203	20	ranging	range	VERB
fsr-3305	203	21	from	from	ADP
fsr-3305	203	22	0.1	0.1	NUM
fsr-3305	203	23	(	(	PUNCT
fsr-3305	203	24	not	not	PART
fsr-3305	203	25	conscientious	conscientious	ADJ
fsr-3305	203	26	)	)	PUNCT
fsr-3305	203	27	to	to	ADP
fsr-3305	203	28	5.0	5.0	NUM
fsr-3305	203	29	(	(	PUNCT
fsr-3305	203	30	very	very	ADV
fsr-3305	203	31	conscientious	conscientious	ADJ
fsr-3305	203	32	)	)	PUNCT
fsr-3305	203	33	.	.	PUNCT
fsr-3305	204	1	bfin	bfin	PROPN
fsr-3305	204	2	represents	represent	VERB
fsr-3305	204	3	the	the	DET
fsr-3305	204	4	level	level	NOUN
fsr-3305	204	5	of	of	ADP
fsr-3305	204	6	neuroticism	neuroticism	NOUN
fsr-3305	204	7	an	an	DET
fsr-3305	204	8	individual	individual	ADJ
fsr-3305	204	9	exhibits	exhibit	NOUN
fsr-3305	204	10	as	as	SCONJ
fsr-3305	204	11	measured	measure	VERB
fsr-3305	204	12	by	by	ADP
fsr-3305	204	13	the	the	DET
fsr-3305	204	14	big	big	ADJ
fsr-3305	204	15	five	five	NUM
fsr-3305	204	16	personality	personality	NOUN
fsr-3305	204	17	survey	survey	NOUN
fsr-3305	204	18	with	with	ADP
fsr-3305	204	19	scores	score	NOUN
fsr-3305	204	20	ranging	range	VERB
fsr-3305	204	21	from	from	ADP
fsr-3305	204	22	0.1	0.1	NUM
fsr-3305	204	23	(	(	PUNCT
fsr-3305	204	24	low	low	ADJ
fsr-3305	204	25	neuroticism	neuroticism	NOUN
fsr-3305	204	26	)	)	PUNCT
fsr-3305	204	27	to	to	ADP
fsr-3305	204	28	5.0	5.0	NUM
fsr-3305	204	29	(	(	PUNCT
fsr-3305	204	30	high	high	ADJ
fsr-3305	204	31	neuroticism	neuroticism	NOUN
fsr-3305	204	32	)	)	PUNCT
fsr-3305	204	33	.	.	PUNCT
fsr-3305	205	1	bfio	bfio	NOUN
fsr-3305	205	2	represents	represent	VERB
fsr-3305	205	3	the	the	DET
fsr-3305	205	4	level	level	NOUN
fsr-3305	205	5	of	of	ADP
fsr-3305	205	6	openness	openness	NOUN
fsr-3305	205	7	an	an	DET
fsr-3305	205	8	individual	individual	ADJ
fsr-3305	205	9	exhibits	exhibit	NOUN
fsr-3305	205	10	as	as	SCONJ
fsr-3305	205	11	measured	measure	VERB
fsr-3305	205	12	by	by	ADP
fsr-3305	205	13	the	the	DET
fsr-3305	205	14	big	big	ADJ
fsr-3305	205	15	five	five	NUM
fsr-3305	205	16	personality	personality	NOUN
fsr-3305	205	17	survey	survey	NOUN
fsr-3305	205	18	with	with	ADP
fsr-3305	205	19	scores	score	NOUN
fsr-3305	205	20	ranging	range	VERB
fsr-3305	205	21	from	from	ADP
fsr-3305	205	22	0.1	0.1	NUM
fsr-3305	205	23	(	(	PUNCT
fsr-3305	205	24	closed	closed	ADJ
fsr-3305	205	25	)	)	PUNCT
fsr-3305	205	26	to	to	ADP
fsr-3305	205	27	5.0	5.0	NUM
fsr-3305	205	28	(	(	PUNCT
fsr-3305	205	29	very	very	ADV
fsr-3305	205	30	open	open	ADJ
fsr-3305	205	31	)	)	PUNCT
fsr-3305	205	32	.	.	PUNCT
fsr-3305	206	1	aindicates	aindicate	NOUN
fsr-3305	206	2	significance	significance	NOUN
fsr-3305	206	3	at	at	ADP
fsr-3305	206	4	the	the	DET
fsr-3305	206	5	10	10	NUM
fsr-3305	206	6	%	%	NOUN
fsr-3305	206	7	level	level	NOUN
fsr-3305	206	8	,	,	PUNCT
fsr-3305	206	9	bat	bat	VERB
fsr-3305	206	10	the	the	DET
fsr-3305	206	11	5	5	NUM
fsr-3305	206	12	%	%	NOUN
fsr-3305	206	13	level	level	NOUN
fsr-3305	206	14	,	,	PUNCT
fsr-3305	206	15	cat	cat	NOUN
fsr-3305	206	16	the	the	DET
fsr-3305	206	17	1	1	NUM
fsr-3305	206	18	%	%	NOUN
fsr-3305	206	19	level	level	NOUN
fsr-3305	206	20	.	.	PUNCT
fsr-3305	207	1	153r.n	153r.n	X
fsr-3305	207	2	.	.	PUNCT
fsr-3305	207	3	killins	killins	PROPN
fsr-3305	207	4	/	/	SYM
fsr-3305	207	5	financial	financial	ADJ
fsr-3305	207	6	services	service	NOUN
fsr-3305	207	7	review	review	VERB
fsr-3305	207	8	26	26	NUM
fsr-3305	207	9	(	(	PUNCT
fsr-3305	207	10	2017	2017	NUM
fsr-3305	207	11	)	)	PUNCT
fsr-3305	207	12	143–165	143–165	NUM
fsr-3305	207	13	measured	measure	VERB
fsr-3305	207	14	by	by	ADP
fsr-3305	207	15	the	the	DET
fsr-3305	207	16	big	big	ADJ
fsr-3305	207	17	five	five	NUM
fsr-3305	207	18	,	,	PUNCT
fsr-3305	207	19	agreeableness	agreeableness	NOUN
fsr-3305	207	20	does	do	AUX
fsr-3305	207	21	not	not	PART
fsr-3305	207	22	seem	seem	VERB
fsr-3305	207	23	to	to	PART
fsr-3305	207	24	affect	affect	VERB
fsr-3305	207	25	financial	financial	ADJ
fsr-3305	207	26	literacy	literacy	NOUN
fsr-3305	207	27	in	in	ADP
fsr-3305	207	28	any	any	DET
fsr-3305	207	29	definitive	definitive	ADJ
fsr-3305	207	30	manner	manner	NOUN
fsr-3305	207	31	.	.	PUNCT
fsr-3305	208	1	neuroticism	neuroticism	PROPN
fsr-3305	208	2	tends	tend	VERB
fsr-3305	208	3	to	to	PART
fsr-3305	208	4	have	have	VERB
fsr-3305	208	5	a	a	DET
fsr-3305	208	6	positive	positive	ADJ
fsr-3305	208	7	impact	impact	NOUN
fsr-3305	208	8	(	(	PUNCT
fsr-3305	208	9	although	although	SCONJ
fsr-3305	208	10	not	not	PART
fsr-3305	208	11	significant	significant	ADJ
fsr-3305	208	12	)	)	PUNCT
fsr-3305	208	13	across	across	ADP
fsr-3305	208	14	most	most	ADJ
fsr-3305	208	15	financial	financial	ADJ
fsr-3305	208	16	literacy	literacy	NOUN
fsr-3305	208	17	measures	measure	NOUN
fsr-3305	208	18	expect	expect	VERB
fsr-3305	208	19	retirement	retirement	NOUN
fsr-3305	208	20	planning	planning	NOUN
fsr-3305	208	21	.	.	PUNCT
fsr-3305	209	1	finally	finally	ADV
fsr-3305	209	2	,	,	PUNCT
fsr-3305	209	3	openness	openness	NOUN
fsr-3305	209	4	tends	tend	VERB
fsr-3305	209	5	to	to	PART
fsr-3305	209	6	have	have	VERB
fsr-3305	209	7	a	a	DET
fsr-3305	209	8	mixed	mixed	ADJ
fsr-3305	209	9	impact	impact	NOUN
fsr-3305	209	10	on	on	ADP
fsr-3305	209	11	financial	financial	ADJ
fsr-3305	209	12	literacy	literacy	NOUN
fsr-3305	209	13	levels	level	NOUN
fsr-3305	209	14	but	but	CCONJ
fsr-3305	209	15	does	do	AUX
fsr-3305	209	16	have	have	VERB
fsr-3305	209	17	a	a	DET
fsr-3305	209	18	positive	positive	ADJ
fsr-3305	209	19	and	and	CCONJ
fsr-3305	209	20	significant	significant	ADJ
fsr-3305	209	21	impact	impact	NOUN
fsr-3305	209	22	budgeting	budgeting	ADJ
fsr-3305	209	23	literacy	literacy	NOUN
fsr-3305	209	24	.	.	PUNCT
fsr-3305	210	1	before	before	ADP
fsr-3305	210	2	moving	move	VERB
fsr-3305	210	3	on	on	ADP
fsr-3305	210	4	to	to	ADP
fsr-3305	210	5	the	the	DET
fsr-3305	210	6	discussion	discussion	NOUN
fsr-3305	210	7	and	and	CCONJ
fsr-3305	210	8	implications	implication	NOUN
fsr-3305	210	9	,	,	PUNCT
fsr-3305	210	10	the	the	DET
fsr-3305	210	11	assumptions	assumption	NOUN
fsr-3305	210	12	of	of	ADP
fsr-3305	210	13	the	the	DET
fsr-3305	210	14	regression	regression	NOUN
fsr-3305	210	15	analysis	analysis	NOUN
fsr-3305	210	16	seem	seem	VERB
fsr-3305	210	17	to	to	PART
fsr-3305	210	18	be	be	AUX
fsr-3305	210	19	met	meet	VERB
fsr-3305	210	20	.	.	PUNCT
fsr-3305	211	1	the	the	DET
fsr-3305	211	2	first	first	ADJ
fsr-3305	211	3	assumption	assumption	NOUN
fsr-3305	211	4	,	,	PUNCT
fsr-3305	211	5	linearity	linearity	NOUN
fsr-3305	211	6	,	,	PUNCT
fsr-3305	211	7	was	be	AUX
fsr-3305	211	8	assessed	assess	VERB
fsr-3305	211	9	through	through	ADP
fsr-3305	211	10	an	an	DET
fsr-3305	211	11	analysis	analysis	NOUN
fsr-3305	211	12	of	of	ADP
fsr-3305	211	13	residuals	residual	NOUN
fsr-3305	211	14	and	and	CCONJ
fsr-3305	211	15	these	these	DET
fsr-3305	211	16	results	result	NOUN
fsr-3305	211	17	do	do	AUX
fsr-3305	211	18	not	not	PART
fsr-3305	211	19	exhibit	exhibit	VERB
fsr-3305	211	20	any	any	DET
fsr-3305	211	21	nonlinear	nonlinear	ADJ
fsr-3305	211	22	patterns	pattern	NOUN
fsr-3305	211	23	.	.	PUNCT
fsr-3305	212	1	tests	test	NOUN
fsr-3305	212	2	to	to	PART
fsr-3305	212	3	see	see	VERB
fsr-3305	212	4	if	if	SCONJ
fsr-3305	212	5	the	the	DET
fsr-3305	212	6	data	datum	NOUN
fsr-3305	212	7	met	meet	VERB
fsr-3305	212	8	the	the	DET
fsr-3305	212	9	assumption	assumption	NOUN
fsr-3305	212	10	of	of	ADP
fsr-3305	212	11	collinearity	collinearity	NOUN
fsr-3305	212	12	indicated	indicate	VERB
fsr-3305	212	13	that	that	SCONJ
fsr-3305	212	14	multicollinearity	multicollinearity	NOUN
fsr-3305	212	15	was	be	AUX
fsr-3305	212	16	not	not	PART
fsr-3305	212	17	a	a	DET
fsr-3305	212	18	concern	concern	NOUN
fsr-3305	212	19	(	(	PUNCT
fsr-3305	212	20	vif	vif	NOUN
fsr-3305	212	21	scores	score	NOUN
fsr-3305	212	22	ranging	range	VERB
fsr-3305	212	23	from	from	ADP
fsr-3305	212	24	1.10	1.10	NUM
fsr-3305	212	25	to	to	ADP
fsr-3305	212	26	1.62	1.62	NUM
fsr-3305	212	27	.	.	PUNCT
fsr-3305	213	1	finally	finally	ADV
fsr-3305	213	2	,	,	PUNCT
fsr-3305	213	3	the	the	DET
fsr-3305	213	4	data	data	NOUN
fsr-3305	213	5	suggests	suggest	VERB
fsr-3305	213	6	that	that	SCONJ
fsr-3305	213	7	no	no	DET
fsr-3305	213	8	consistent	consistent	ADJ
fsr-3305	213	9	pattern	pattern	NOUN
fsr-3305	213	10	was	be	AUX
fsr-3305	213	11	found	find	VERB
fsr-3305	213	12	of	of	ADP
fsr-3305	213	13	the	the	DET
fsr-3305	213	14	residuals	residual	NOUN
fsr-3305	213	15	and	and	CCONJ
fsr-3305	213	16	normality	normality	NOUN
fsr-3305	213	17	of	of	ADP
fsr-3305	213	18	the	the	DET
fsr-3305	213	19	error	error	NOUN
fsr-3305	213	20	terms	term	NOUN
fsr-3305	213	21	,	,	PUNCT
fsr-3305	213	22	thus	thus	ADV
fsr-3305	213	23	fulfilling	fulfil	VERB
fsr-3305	213	24	the	the	DET
fsr-3305	213	25	independence	independence	NOUN
fsr-3305	213	26	and	and	CCONJ
fsr-3305	213	27	normality	normality	NOUN
fsr-3305	213	28	assumptions	assumption	NOUN
fsr-3305	213	29	.	.	PUNCT
fsr-3305	214	1	6	6	NUM
fsr-3305	214	2	.	.	X
fsr-3305	214	3	discussion	discussion	NOUN
fsr-3305	214	4	and	and	CCONJ
fsr-3305	214	5	implications	implication	NOUN
fsr-3305	214	6	the	the	DET
fsr-3305	214	7	findings	finding	NOUN
fsr-3305	214	8	of	of	ADP
fsr-3305	214	9	these	these	DET
fsr-3305	214	10	study	study	NOUN
fsr-3305	214	11	lead	lead	NOUN
fsr-3305	214	12	to	to	ADP
fsr-3305	214	13	several	several	ADJ
fsr-3305	214	14	implications	implication	NOUN
fsr-3305	214	15	for	for	ADP
fsr-3305	214	16	the	the	DET
fsr-3305	214	17	consumer	consumer	NOUN
fsr-3305	214	18	,	,	PUNCT
fsr-3305	214	19	financial	financial	ADJ
fsr-3305	214	20	institutions	institution	NOUN
fsr-3305	214	21	,	,	PUNCT
fsr-3305	214	22	and	and	CCONJ
fsr-3305	214	23	regulators	regulator	NOUN
fsr-3305	214	24	of	of	ADP
fsr-3305	214	25	the	the	DET
fsr-3305	214	26	financial	financial	ADJ
fsr-3305	214	27	sector	sector	NOUN
fsr-3305	214	28	.	.	PUNCT
fsr-3305	215	1	the	the	DET
fsr-3305	215	2	primary	primary	ADJ
fsr-3305	215	3	results	result	NOUN
fsr-3305	215	4	that	that	PRON
fsr-3305	215	5	focus	focus	VERB
fsr-3305	215	6	on	on	ADP
fsr-3305	215	7	behavioral	behavioral	ADJ
fsr-3305	215	8	traits	trait	NOUN
fsr-3305	215	9	of	of	ADP
fsr-3305	215	10	individuals	individual	NOUN
fsr-3305	215	11	add	add	VERB
fsr-3305	215	12	new	new	ADJ
fsr-3305	215	13	evidence	evidence	NOUN
fsr-3305	215	14	to	to	ADP
fsr-3305	215	15	the	the	DET
fsr-3305	215	16	financial	financial	ADJ
fsr-3305	215	17	literacy	literacy	NOUN
fsr-3305	215	18	literature	literature	NOUN
fsr-3305	215	19	that	that	PRON
fsr-3305	215	20	outlines	outline	VERB
fsr-3305	215	21	what	what	PRON
fsr-3305	215	22	groups	group	NOUN
fsr-3305	215	23	of	of	ADP
fsr-3305	215	24	people	people	NOUN
fsr-3305	215	25	may	may	AUX
fsr-3305	215	26	be	be	AUX
fsr-3305	215	27	most	most	ADV
fsr-3305	215	28	at	at	ADP
fsr-3305	215	29	risk	risk	NOUN
fsr-3305	215	30	when	when	SCONJ
fsr-3305	215	31	it	it	PRON
fsr-3305	215	32	comes	come	VERB
fsr-3305	215	33	to	to	ADP
fsr-3305	215	34	financial	financial	ADJ
fsr-3305	215	35	decision	decision	NOUN
fsr-3305	215	36	making	making	NOUN
fsr-3305	215	37	.	.	PUNCT
fsr-3305	216	1	the	the	DET
fsr-3305	216	2	results	result	NOUN
fsr-3305	216	3	indicate	indicate	VERB
fsr-3305	216	4	that	that	SCONJ
fsr-3305	216	5	extroverts	extrovert	NOUN
fsr-3305	216	6	exhibit	exhibit	VERB
fsr-3305	216	7	less	less	ADJ
fsr-3305	216	8	financial	financial	ADJ
fsr-3305	216	9	literacy	literacy	NOUN
fsr-3305	216	10	than	than	ADP
fsr-3305	216	11	introverts	introvert	NOUN
fsr-3305	216	12	,	,	PUNCT
fsr-3305	216	13	which	which	PRON
fsr-3305	216	14	should	should	AUX
fsr-3305	216	15	lead	lead	VERB
fsr-3305	216	16	financial	financial	ADJ
fsr-3305	216	17	services	service	NOUN
fsr-3305	216	18	practitioners	practitioner	NOUN
fsr-3305	216	19	to	to	PART
fsr-3305	216	20	be	be	AUX
fsr-3305	216	21	more	more	ADV
fsr-3305	216	22	cautious	cautious	ADJ
fsr-3305	216	23	in	in	ADP
fsr-3305	216	24	their	their	PRON
fsr-3305	216	25	dealing	deal	VERB
fsr-3305	216	26	with	with	ADP
fsr-3305	216	27	these	these	DET
fsr-3305	216	28	types	type	NOUN
fsr-3305	216	29	of	of	ADP
fsr-3305	216	30	individuals	individual	NOUN
fsr-3305	216	31	and	and	CCONJ
fsr-3305	216	32	ensure	ensure	VERB
fsr-3305	216	33	that	that	SCONJ
fsr-3305	216	34	additional	additional	ADJ
fsr-3305	216	35	resources	resource	NOUN
fsr-3305	216	36	are	be	AUX
fsr-3305	216	37	provided	provide	VERB
fsr-3305	216	38	,	,	PUNCT
fsr-3305	216	39	so	so	SCONJ
fsr-3305	216	40	they	they	PRON
fsr-3305	216	41	are	be	AUX
fsr-3305	216	42	aware	aware	ADJ
fsr-3305	216	43	of	of	ADP
fsr-3305	216	44	the	the	DET
fsr-3305	216	45	financial	financial	ADJ
fsr-3305	216	46	products	product	NOUN
fsr-3305	216	47	and	and	CCONJ
fsr-3305	216	48	services	service	NOUN
fsr-3305	216	49	they	they	PRON
fsr-3305	216	50	are	be	AUX
fsr-3305	216	51	receiving	receive	VERB
fsr-3305	216	52	.	.	PUNCT
fsr-3305	217	1	second	second	ADJ
fsr-3305	217	2	,	,	PUNCT
fsr-3305	217	3	for	for	ADP
fsr-3305	217	4	firms	firm	NOUN
fsr-3305	217	5	that	that	PRON
fsr-3305	217	6	are	be	AUX
fsr-3305	217	7	seeking	seek	VERB
fsr-3305	217	8	to	to	PART
fsr-3305	217	9	employ	employ	VERB
fsr-3305	217	10	individuals	individual	NOUN
fsr-3305	217	11	that	that	PRON
fsr-3305	217	12	provide	provide	VERB
fsr-3305	217	13	financial	financial	ADJ
fsr-3305	217	14	products	product	NOUN
fsr-3305	217	15	and	and	CCONJ
fsr-3305	217	16	services	service	NOUN
fsr-3305	217	17	to	to	ADP
fsr-3305	217	18	consumers	consumer	NOUN
fsr-3305	217	19	,	,	PUNCT
fsr-3305	217	20	extroverts	extrovert	NOUN
fsr-3305	217	21	are	be	AUX
fsr-3305	217	22	sometimes	sometimes	ADV
fsr-3305	217	23	preferred	prefer	VERB
fsr-3305	217	24	over	over	ADP
fsr-3305	217	25	introverts	introvert	NOUN
fsr-3305	217	26	,	,	PUNCT
fsr-3305	217	27	as	as	SCONJ
fsr-3305	217	28	interaction	interaction	NOUN
fsr-3305	217	29	with	with	ADP
fsr-3305	217	30	people	people	NOUN
fsr-3305	217	31	is	be	AUX
fsr-3305	217	32	a	a	DET
fsr-3305	217	33	necessary	necessary	ADJ
fsr-3305	217	34	step	step	NOUN
fsr-3305	217	35	in	in	ADP
fsr-3305	217	36	providing	provide	VERB
fsr-3305	217	37	financial	financial	ADJ
fsr-3305	217	38	services	service	NOUN
fsr-3305	217	39	.	.	PUNCT
fsr-3305	218	1	popular	popular	ADJ
fsr-3305	218	2	human	human	ADJ
fsr-3305	218	3	resource	resource	NOUN
fsr-3305	218	4	questionnaires	questionnaire	NOUN
fsr-3305	218	5	that	that	PRON
fsr-3305	218	6	screen	screen	NOUN
fsr-3305	218	7	for	for	ADP
fsr-3305	218	8	behavioral	behavioral	ADJ
fsr-3305	218	9	traits	trait	NOUN
fsr-3305	218	10	that	that	PRON
fsr-3305	218	11	translate	translate	VERB
fsr-3305	218	12	into	into	ADP
fsr-3305	218	13	sales	sale	NOUN
fsr-3305	218	14	roles	role	NOUN
fsr-3305	218	15	may	may	AUX
fsr-3305	218	16	conflict	conflict	VERB
fsr-3305	218	17	with	with	ADP
fsr-3305	218	18	characteristics	characteristic	NOUN
fsr-3305	218	19	that	that	PRON
fsr-3305	218	20	ensure	ensure	VERB
fsr-3305	218	21	cognitive	cognitive	ADJ
fsr-3305	218	22	abilities	ability	NOUN
fsr-3305	218	23	in	in	ADP
fsr-3305	218	24	financial	financial	ADJ
fsr-3305	218	25	markets	market	NOUN
fsr-3305	218	26	.	.	PUNCT
fsr-3305	219	1	thus	thus	ADV
fsr-3305	219	2	,	,	PUNCT
fsr-3305	219	3	regulators	regulator	NOUN
fsr-3305	219	4	and	and	CCONJ
fsr-3305	219	5	firms	firm	NOUN
fsr-3305	219	6	should	should	AUX
fsr-3305	219	7	seek	seek	VERB
fsr-3305	219	8	a	a	DET
fsr-3305	219	9	proper	proper	ADJ
fsr-3305	219	10	balance	balance	NOUN
fsr-3305	219	11	when	when	SCONJ
fsr-3305	219	12	determining	determine	VERB
fsr-3305	219	13	which	which	DET
fsr-3305	219	14	traits	trait	NOUN
fsr-3305	219	15	to	to	PART
fsr-3305	219	16	value	value	VERB
fsr-3305	219	17	during	during	ADP
fsr-3305	219	18	employment	employment	NOUN
fsr-3305	219	19	assessments	assessment	NOUN
fsr-3305	219	20	.	.	PUNCT
fsr-3305	220	1	as	as	SCONJ
fsr-3305	220	2	the	the	DET
fsr-3305	220	3	industry	industry	NOUN
fsr-3305	220	4	moves	move	VERB
fsr-3305	220	5	towards	towards	ADP
fsr-3305	220	6	technology	technology	NOUN
fsr-3305	220	7	-	-	PUNCT
fsr-3305	220	8	based	base	VERB
fsr-3305	220	9	platforms	platform	NOUN
fsr-3305	220	10	where	where	SCONJ
fsr-3305	220	11	traditional	traditional	ADJ
fsr-3305	220	12	human	human	ADJ
fsr-3305	220	13	interaction	interaction	NOUN
fsr-3305	220	14	is	be	AUX
fsr-3305	220	15	becoming	become	VERB
fsr-3305	220	16	less	less	ADV
fsr-3305	220	17	important	important	ADJ
fsr-3305	220	18	,	,	PUNCT
fsr-3305	220	19	the	the	DET
fsr-3305	220	20	financial	financial	ADJ
fsr-3305	220	21	sector	sector	NOUN
fsr-3305	220	22	may	may	AUX
fsr-3305	220	23	benefit	benefit	VERB
fsr-3305	220	24	from	from	ADP
fsr-3305	220	25	introverts	introvert	NOUN
fsr-3305	220	26	being	be	AUX
fsr-3305	220	27	more	more	ADV
fsr-3305	220	28	employable	employable	ADJ
fsr-3305	220	29	and	and	CCONJ
fsr-3305	220	30	strengthening	strengthen	VERB
fsr-3305	220	31	the	the	DET
fsr-3305	220	32	financial	financial	ADJ
fsr-3305	220	33	sector	sector	NOUN
fsr-3305	220	34	’s	’s	PART
fsr-3305	220	35	human	human	ADJ
fsr-3305	220	36	capital	capital	NOUN
fsr-3305	220	37	by	by	ADP
fsr-3305	220	38	providing	provide	VERB
fsr-3305	220	39	training	training	NOUN
fsr-3305	220	40	models	model	NOUN
fsr-3305	220	41	via	via	ADP
fsr-3305	220	42	alternative	alternative	ADJ
fsr-3305	220	43	mediums	medium	NOUN
fsr-3305	220	44	such	such	ADJ
fsr-3305	220	45	as	as	ADP
fsr-3305	220	46	social	social	ADJ
fsr-3305	220	47	media	medium	NOUN
fsr-3305	220	48	platforms	platform	NOUN
fsr-3305	220	49	.	.	PUNCT
fsr-3305	221	1	further	far	ADV
fsr-3305	221	2	,	,	PUNCT
fsr-3305	221	3	conscientiousness	conscientiousness	NOUN
fsr-3305	221	4	is	be	AUX
fsr-3305	221	5	an	an	DET
fsr-3305	221	6	important	important	ADJ
fsr-3305	221	7	trait	trait	NOUN
fsr-3305	221	8	for	for	ADP
fsr-3305	221	9	financial	financial	ADJ
fsr-3305	221	10	service	service	NOUN
fsr-3305	221	11	employees	employee	NOUN
fsr-3305	221	12	to	to	PART
fsr-3305	221	13	have	have	VERB
fsr-3305	221	14	and	and	CCONJ
fsr-3305	221	15	this	this	PRON
fsr-3305	221	16	adds	add	VERB
fsr-3305	221	17	further	further	ADJ
fsr-3305	221	18	evidence	evidence	NOUN
fsr-3305	221	19	that	that	SCONJ
fsr-3305	221	20	employers	employer	NOUN
fsr-3305	221	21	should	should	AUX
fsr-3305	221	22	value	value	VERB
fsr-3305	221	23	this	this	DET
fsr-3305	221	24	quality	quality	NOUN
fsr-3305	221	25	when	when	SCONJ
fsr-3305	221	26	making	make	VERB
fsr-3305	221	27	hiring	hire	VERB
fsr-3305	221	28	decisions	decision	NOUN
fsr-3305	221	29	in	in	ADP
fsr-3305	221	30	the	the	DET
fsr-3305	221	31	financial	financial	ADJ
fsr-3305	221	32	sector	sector	NOUN
fsr-3305	221	33	as	as	SCONJ
fsr-3305	221	34	these	these	DET
fsr-3305	221	35	individuals	individual	NOUN
fsr-3305	221	36	exhibit	exhibit	VERB
fsr-3305	221	37	a	a	DET
fsr-3305	221	38	better	well	ADJ
fsr-3305	221	39	understanding	understanding	NOUN
fsr-3305	221	40	of	of	ADP
fsr-3305	221	41	the	the	DET
fsr-3305	221	42	overall	overall	ADJ
fsr-3305	221	43	financial	financial	ADJ
fsr-3305	221	44	landscape	landscape	NOUN
fsr-3305	221	45	and	and	CCONJ
fsr-3305	221	46	again	again	ADV
fsr-3305	221	47	can	can	AUX
fsr-3305	221	48	add	add	VERB
fsr-3305	221	49	more	more	ADJ
fsr-3305	221	50	stability	stability	NOUN
fsr-3305	221	51	to	to	ADP
fsr-3305	221	52	the	the	DET
fsr-3305	221	53	overall	overall	ADJ
fsr-3305	221	54	financial	financial	ADJ
fsr-3305	221	55	system	system	NOUN
fsr-3305	221	56	.	.	PUNCT
fsr-3305	222	1	the	the	DET
fsr-3305	222	2	lack	lack	NOUN
fsr-3305	222	3	of	of	ADP
fsr-3305	222	4	significance	significance	NOUN
fsr-3305	222	5	of	of	ADP
fsr-3305	222	6	the	the	DET
fsr-3305	222	7	gender	gender	NOUN
fsr-3305	222	8	dummy	dummy	NOUN
fsr-3305	222	9	provides	provide	VERB
fsr-3305	222	10	differing	differ	VERB
fsr-3305	222	11	results	result	NOUN
fsr-3305	222	12	from	from	ADP
fsr-3305	222	13	previous	previous	ADJ
fsr-3305	222	14	studies	study	NOUN
fsr-3305	222	15	such	such	ADJ
fsr-3305	222	16	as	as	ADP
fsr-3305	222	17	,	,	PUNCT
fsr-3305	222	18	chen	chen	PROPN
fsr-3305	222	19	and	and	CCONJ
fsr-3305	222	20	volpe	volpe	PROPN
fsr-3305	222	21	(	(	PUNCT
fsr-3305	222	22	2002	2002	NUM
fsr-3305	222	23	)	)	PUNCT
fsr-3305	222	24	;	;	PUNCT
fsr-3305	222	25	lusardi	lusardi	NOUN
fsr-3305	222	26	and	and	CCONJ
fsr-3305	222	27	mitchell	mitchell	PROPN
fsr-3305	222	28	(	(	PUNCT
fsr-3305	222	29	2011a	2011a	NUM
fsr-3305	222	30	)	)	PUNCT
fsr-3305	222	31	;	;	PUNCT
fsr-3305	222	32	van	van	PROPN
fsr-3305	222	33	rooij	rooij	NOUN
fsr-3305	222	34	et	et	PROPN
fsr-3305	222	35	al	al	PROPN
fsr-3305	222	36	.	.	PUNCT
fsr-3305	223	1	(	(	PUNCT
fsr-3305	223	2	2011	2011	NUM
fsr-3305	223	3	)	)	PUNCT
fsr-3305	223	4	,	,	PUNCT
fsr-3305	223	5	among	among	ADP
fsr-3305	223	6	others	other	NOUN
fsr-3305	223	7	who	who	PRON
fsr-3305	223	8	find	find	VERB
fsr-3305	223	9	that	that	SCONJ
fsr-3305	223	10	women	woman	NOUN
fsr-3305	223	11	seem	seem	VERB
fsr-3305	223	12	to	to	PART
fsr-3305	223	13	exhibit	exhibit	VERB
fsr-3305	223	14	lower	low	ADJ
fsr-3305	223	15	scores	score	NOUN
fsr-3305	223	16	in	in	ADP
fsr-3305	223	17	financial	financial	ADJ
fsr-3305	223	18	literacy	literacy	NOUN
fsr-3305	223	19	than	than	ADP
fsr-3305	223	20	men	man	NOUN
fsr-3305	223	21	.	.	PUNCT
fsr-3305	224	1	this	this	DET
fsr-3305	224	2	sample	sample	NOUN
fsr-3305	224	3	of	of	ADP
fsr-3305	224	4	individuals	individual	NOUN
fsr-3305	224	5	drawn	draw	VERB
fsr-3305	224	6	from	from	ADP
fsr-3305	224	7	the	the	DET
fsr-3305	224	8	canadian	canadian	ADJ
fsr-3305	224	9	population	population	NOUN
fsr-3305	224	10	suggests	suggest	VERB
fsr-3305	224	11	that	that	SCONJ
fsr-3305	224	12	canadian	canadian	ADJ
fsr-3305	224	13	women	woman	NOUN
fsr-3305	224	14	have	have	VERB
fsr-3305	224	15	similar	similar	ADJ
fsr-3305	224	16	financial	financial	ADJ
fsr-3305	224	17	knowledge	knowledge	NOUN
fsr-3305	224	18	when	when	SCONJ
fsr-3305	224	19	compared	compare	VERB
fsr-3305	224	20	with	with	ADP
fsr-3305	224	21	their	their	PRON
fsr-3305	224	22	male	male	ADJ
fsr-3305	224	23	counterparts	counterpart	NOUN
fsr-3305	224	24	.	.	PUNCT
fsr-3305	225	1	this	this	PRON
fsr-3305	225	2	may	may	AUX
fsr-3305	225	3	be	be	AUX
fsr-3305	225	4	because	because	SCONJ
fsr-3305	225	5	of	of	ADP
fsr-3305	225	6	the	the	DET
fsr-3305	225	7	increased	increase	VERB
fsr-3305	225	8	gender	gender	NOUN
fsr-3305	225	9	neutrality	neutrality	NOUN
fsr-3305	225	10	that	that	PRON
fsr-3305	225	11	canada	canada	PROPN
fsr-3305	225	12	has	have	AUX
fsr-3305	225	13	been	be	AUX
fsr-3305	225	14	154	154	NUM
fsr-3305	225	15	r.n	r.n	PROPN
fsr-3305	225	16	.	.	PROPN
fsr-3305	225	17	killins	killins	PROPN
fsr-3305	225	18	/	/	SYM
fsr-3305	225	19	financial	financial	ADJ
fsr-3305	225	20	services	service	NOUN
fsr-3305	225	21	review	review	VERB
fsr-3305	225	22	26	26	NUM
fsr-3305	225	23	(	(	PUNCT
fsr-3305	225	24	2017	2017	NUM
fsr-3305	225	25	)	)	PUNCT
fsr-3305	225	26	143–165	143–165	NUM
fsr-3305	225	27	pushing	push	VERB
fsr-3305	225	28	for	for	ADP
fsr-3305	225	29	in	in	ADP
fsr-3305	225	30	the	the	DET
fsr-3305	225	31	past	past	ADJ
fsr-3305	225	32	decade	decade	NOUN
fsr-3305	225	33	in	in	ADP
fsr-3305	225	34	the	the	DET
fsr-3305	225	35	overall	overall	ADJ
fsr-3305	225	36	workforce	workforce	NOUN
fsr-3305	225	37	.	.	PUNCT
fsr-3305	226	1	as	as	ADP
fsr-3305	226	2	drolet	drolet	NOUN
fsr-3305	226	3	(	(	PUNCT
fsr-3305	226	4	2016	2016	NUM
fsr-3305	226	5	)	)	PUNCT
fsr-3305	226	6	outlines	outline	NOUN
fsr-3305	226	7	,	,	PUNCT
fsr-3305	226	8	women	woman	NOUN
fsr-3305	226	9	now	now	ADV
fsr-3305	226	10	play	play	VERB
fsr-3305	226	11	a	a	DET
fsr-3305	226	12	greater	great	ADJ
fsr-3305	226	13	role	role	NOUN
fsr-3305	226	14	in	in	ADP
fsr-3305	226	15	the	the	DET
fsr-3305	226	16	purchase	purchase	NOUN
fsr-3305	226	17	of	of	ADP
fsr-3305	226	18	items	item	NOUN
fsr-3305	226	19	such	such	ADJ
fsr-3305	226	20	as	as	ADP
fsr-3305	226	21	houses	house	NOUN
fsr-3305	226	22	,	,	PUNCT
fsr-3305	226	23	automobiles	automobile	NOUN
fsr-3305	226	24	,	,	PUNCT
fsr-3305	226	25	insurance	insurance	NOUN
fsr-3305	226	26	,	,	PUNCT
fsr-3305	226	27	and	and	CCONJ
fsr-3305	226	28	financial	financial	ADJ
fsr-3305	226	29	services	service	NOUN
fsr-3305	226	30	.	.	PUNCT
fsr-3305	227	1	women	woman	NOUN
fsr-3305	227	2	also	also	ADV
fsr-3305	227	3	face	face	VERB
fsr-3305	227	4	different	different	ADJ
fsr-3305	227	5	financial	financial	ADJ
fsr-3305	227	6	challenges	challenge	NOUN
fsr-3305	227	7	than	than	ADP
fsr-3305	227	8	men	man	NOUN
fsr-3305	227	9	.	.	PUNCT
fsr-3305	228	1	canadian	canadian	ADJ
fsr-3305	228	2	women	woman	NOUN
fsr-3305	228	3	can	can	AUX
fsr-3305	228	4	expect	expect	VERB
fsr-3305	228	5	to	to	PART
fsr-3305	228	6	live	live	VERB
fsr-3305	228	7	about	about	ADP
fsr-3305	228	8	4.5	4.5	NUM
fsr-3305	228	9	years	year	NOUN
fsr-3305	228	10	longer	long	ADV
fsr-3305	228	11	than	than	ADP
fsr-3305	228	12	men	man	NOUN
fsr-3305	228	13	and	and	CCONJ
fsr-3305	228	14	,	,	PUNCT
fsr-3305	228	15	therefore	therefore	ADV
fsr-3305	228	16	,	,	PUNCT
fsr-3305	228	17	must	must	AUX
fsr-3305	228	18	finance	finance	VERB
fsr-3305	228	19	a	a	DET
fsr-3305	228	20	longer	long	ADJ
fsr-3305	228	21	period	period	NOUN
fsr-3305	228	22	of	of	ADP
fsr-3305	228	23	retirement	retirement	NOUN
fsr-3305	228	24	.	.	PUNCT
fsr-3305	229	1	canadian	canadian	ADJ
fsr-3305	229	2	women	woman	NOUN
fsr-3305	229	3	have	have	VERB
fsr-3305	229	4	higher	high	ADJ
fsr-3305	229	5	disability	disability	NOUN
fsr-3305	229	6	rates	rate	NOUN
fsr-3305	229	7	than	than	ADP
fsr-3305	229	8	men	man	NOUN
fsr-3305	229	9	and	and	CCONJ
fsr-3305	229	10	may	may	AUX
fsr-3305	229	11	incur	incur	VERB
fsr-3305	229	12	costly	costly	ADJ
fsr-3305	229	13	long	long	ADJ
fsr-3305	229	14	-	-	PUNCT
fsr-3305	229	15	term	term	NOUN
fsr-3305	229	16	care	care	NOUN
fsr-3305	229	17	needs	need	NOUN
fsr-3305	229	18	as	as	SCONJ
fsr-3305	229	19	they	they	PRON
fsr-3305	229	20	age	age	VERB
fsr-3305	229	21	.	.	PUNCT
fsr-3305	230	1	these	these	DET
fsr-3305	230	2	findings	finding	NOUN
fsr-3305	230	3	showcase	showcase	VERB
fsr-3305	230	4	why	why	SCONJ
fsr-3305	230	5	financial	financial	ADJ
fsr-3305	230	6	literacy	literacy	NOUN
fsr-3305	230	7	is	be	AUX
fsr-3305	230	8	of	of	ADP
fsr-3305	230	9	great	great	ADJ
fsr-3305	230	10	importance	importance	NOUN
fsr-3305	230	11	to	to	ADP
fsr-3305	230	12	females	female	NOUN
fsr-3305	230	13	and	and	CCONJ
fsr-3305	230	14	that	that	SCONJ
fsr-3305	230	15	issues	issue	NOUN
fsr-3305	230	16	such	such	ADJ
fsr-3305	230	17	as	as	ADP
fsr-3305	230	18	insurance	insurance	NOUN
fsr-3305	230	19	and	and	CCONJ
fsr-3305	230	20	estate	estate	NOUN
fsr-3305	230	21	planning	planning	NOUN
fsr-3305	230	22	should	should	AUX
fsr-3305	230	23	be	be	AUX
fsr-3305	230	24	emphasized	emphasize	VERB
fsr-3305	230	25	in	in	ADP
fsr-3305	230	26	future	future	ADJ
fsr-3305	230	27	research	research	NOUN
fsr-3305	230	28	.	.	PUNCT
fsr-3305	231	1	the	the	DET
fsr-3305	231	2	result	result	NOUN
fsr-3305	231	3	that	that	PRON
fsr-3305	231	4	indicates	indicate	VERB
fsr-3305	231	5	that	that	SCONJ
fsr-3305	231	6	non	non	ADJ
fsr-3305	231	7	-	-	ADJ
fsr-3305	231	8	whites	whites	ADJ
fsr-3305	231	9	experience	experience	VERB
fsr-3305	231	10	lower	low	ADJ
fsr-3305	231	11	financial	financial	ADJ
fsr-3305	231	12	literacy	literacy	NOUN
fsr-3305	231	13	rates	rate	NOUN
fsr-3305	231	14	confirms	confirm	VERB
fsr-3305	231	15	previous	previous	ADJ
fsr-3305	231	16	findings	finding	NOUN
fsr-3305	231	17	such	such	ADJ
fsr-3305	231	18	as	as	ADP
fsr-3305	231	19	lusardi	lusardi	PROPN
fsr-3305	231	20	et	et	PROPN
fsr-3305	231	21	al	al	PROPN
fsr-3305	231	22	.	.	PROPN
fsr-3305	231	23	(	(	PUNCT
fsr-3305	231	24	2010	2010	NUM
fsr-3305	231	25	)	)	PUNCT
fsr-3305	231	26	and	and	CCONJ
fsr-3305	231	27	lusardi	lusardi	PROPN
fsr-3305	231	28	and	and	CCONJ
fsr-3305	231	29	mitchell	mitchell	PROPN
fsr-3305	231	30	(	(	PUNCT
fsr-3305	231	31	2014	2014	NUM
fsr-3305	231	32	)	)	PUNCT
fsr-3305	231	33	who	who	PRON
fsr-3305	231	34	find	find	VERB
fsr-3305	231	35	minorities	minority	NOUN
fsr-3305	231	36	have	have	VERB
fsr-3305	231	37	significantly	significantly	ADV
fsr-3305	231	38	less	less	ADV
fsr-3305	231	39	financial	financial	ADJ
fsr-3305	231	40	literacy	literacy	NOUN
fsr-3305	231	41	when	when	SCONJ
fsr-3305	231	42	compared	compare	VERB
fsr-3305	231	43	to	to	ADP
fsr-3305	231	44	whites	white	NOUN
fsr-3305	231	45	.	.	PUNCT
fsr-3305	232	1	the	the	DET
fsr-3305	232	2	findings	finding	NOUN
fsr-3305	232	3	from	from	ADP
fsr-3305	232	4	the	the	DET
fsr-3305	232	5	previous	previous	ADJ
fsr-3305	232	6	research	research	NOUN
fsr-3305	232	7	along	along	ADP
fsr-3305	232	8	with	with	ADP
fsr-3305	232	9	this	this	DET
fsr-3305	232	10	article	article	NOUN
fsr-3305	232	11	should	should	AUX
fsr-3305	232	12	provide	provide	VERB
fsr-3305	232	13	financial	financial	ADJ
fsr-3305	232	14	literacy	literacy	NOUN
fsr-3305	232	15	groups	group	NOUN
fsr-3305	232	16	in	in	ADP
fsr-3305	232	17	canada	canada	PROPN
fsr-3305	232	18	such	such	ADJ
fsr-3305	232	19	as	as	ADP
fsr-3305	232	20	the	the	DET
fsr-3305	232	21	financial	financial	ADJ
fsr-3305	232	22	consumer	consumer	NOUN
fsr-3305	232	23	agency	agency	NOUN
fsr-3305	232	24	of	of	ADP
fsr-3305	232	25	canada	canada	PROPN
fsr-3305	232	26	(	(	PUNCT
fsr-3305	232	27	fcac	fcac	PROPN
fsr-3305	232	28	)	)	PUNCT
fsr-3305	232	29	to	to	PART
fsr-3305	232	30	fund	fund	VERB
fsr-3305	232	31	projects	project	NOUN
fsr-3305	232	32	that	that	PRON
fsr-3305	232	33	are	be	AUX
fsr-3305	232	34	focused	focus	VERB
fsr-3305	232	35	on	on	ADP
fsr-3305	232	36	developing	develop	VERB
fsr-3305	232	37	the	the	DET
fsr-3305	232	38	financial	financial	ADJ
fsr-3305	232	39	literacy	literacy	NOUN
fsr-3305	232	40	of	of	ADP
fsr-3305	232	41	minority	minority	NOUN
fsr-3305	232	42	groups	group	NOUN
fsr-3305	232	43	in	in	ADP
fsr-3305	232	44	canada	canada	PROPN
fsr-3305	232	45	.	.	PUNCT
fsr-3305	233	1	after	after	ADP
fsr-3305	233	2	controlling	control	VERB
fsr-3305	233	3	for	for	ADP
fsr-3305	233	4	length	length	NOUN
fsr-3305	233	5	of	of	ADP
fsr-3305	233	6	residency	residency	NOUN
fsr-3305	233	7	in	in	ADP
fsr-3305	233	8	canada	canada	PROPN
fsr-3305	233	9	,	,	PUNCT
fsr-3305	233	10	it	it	PRON
fsr-3305	233	11	seems	seem	VERB
fsr-3305	233	12	that	that	SCONJ
fsr-3305	233	13	new	new	ADJ
fsr-3305	233	14	immigrants	immigrant	NOUN
fsr-3305	233	15	have	have	AUX
fsr-3305	233	16	transitioned	transition	VERB
fsr-3305	233	17	well	well	ADV
fsr-3305	233	18	into	into	ADP
fsr-3305	233	19	the	the	DET
fsr-3305	233	20	canadian	canadian	ADJ
fsr-3305	233	21	financial	financial	ADJ
fsr-3305	233	22	system	system	NOUN
fsr-3305	233	23	.	.	PUNCT
fsr-3305	234	1	this	this	PRON
fsr-3305	234	2	becomes	become	VERB
fsr-3305	234	3	increasingly	increasingly	ADV
fsr-3305	234	4	important	important	ADJ
fsr-3305	234	5	as	as	SCONJ
fsr-3305	234	6	new	new	ADJ
fsr-3305	234	7	immigrants	immigrant	NOUN
fsr-3305	234	8	to	to	ADP
fsr-3305	234	9	canada	canada	PROPN
fsr-3305	234	10	have	have	AUX
fsr-3305	234	11	reached	reach	VERB
fsr-3305	234	12	all	all	DET
fsr-3305	234	13	-	-	PUNCT
fsr-3305	234	14	time	time	NOUN
fsr-3305	234	15	highs	high	NOUN
fsr-3305	234	16	in	in	ADP
fsr-3305	234	17	the	the	DET
fsr-3305	234	18	past	past	ADJ
fsr-3305	234	19	decade	decade	NOUN
fsr-3305	234	20	and	and	CCONJ
fsr-3305	234	21	the	the	DET
fsr-3305	234	22	transition	transition	NOUN
fsr-3305	234	23	into	into	ADP
fsr-3305	234	24	a	a	DET
fsr-3305	234	25	new	new	ADJ
fsr-3305	234	26	banking	banking	NOUN
fsr-3305	234	27	system	system	NOUN
fsr-3305	234	28	and	and	CCONJ
fsr-3305	234	29	economy	economy	NOUN
fsr-3305	234	30	can	can	AUX
fsr-3305	234	31	be	be	AUX
fsr-3305	234	32	difficult	difficult	ADJ
fsr-3305	234	33	for	for	ADP
fsr-3305	234	34	them	they	PRON
fsr-3305	234	35	and	and	CCONJ
fsr-3305	234	36	could	could	AUX
fsr-3305	234	37	provide	provide	VERB
fsr-3305	234	38	risks	risk	NOUN
fsr-3305	234	39	to	to	ADP
fsr-3305	234	40	the	the	DET
fsr-3305	234	41	overall	overall	ADJ
fsr-3305	234	42	financial	financial	ADJ
fsr-3305	234	43	sector	sector	NOUN
fsr-3305	234	44	.	.	PUNCT
fsr-3305	235	1	further	further	ADJ
fsr-3305	235	2	research	research	NOUN
fsr-3305	235	3	focused	focus	VERB
fsr-3305	235	4	on	on	ADP
fsr-3305	235	5	new	new	ADJ
fsr-3305	235	6	immigrants	immigrant	NOUN
fsr-3305	235	7	(	(	PUNCT
fsr-3305	235	8	potentially	potentially	ADV
fsr-3305	235	9	on	on	ADP
fsr-3305	235	10	various	various	ADJ
fsr-3305	235	11	age	age	NOUN
fsr-3305	235	12	demographics	demographic	NOUN
fsr-3305	235	13	)	)	PUNCT
fsr-3305	235	14	is	be	AUX
fsr-3305	235	15	warranted	warrant	VERB
fsr-3305	235	16	to	to	PART
fsr-3305	235	17	ensure	ensure	VERB
fsr-3305	235	18	new	new	ADJ
fsr-3305	235	19	financial	financial	ADJ
fsr-3305	235	20	literacy	literacy	NOUN
fsr-3305	235	21	programs	program	NOUN
fsr-3305	235	22	are	be	AUX
fsr-3305	235	23	directed	direct	VERB
fsr-3305	235	24	at	at	ADP
fsr-3305	235	25	the	the	DET
fsr-3305	235	26	individuals	individual	NOUN
fsr-3305	235	27	most	most	ADV
fsr-3305	235	28	at	at	ADP
fsr-3305	235	29	need	need	NOUN
fsr-3305	235	30	.	.	PUNCT
fsr-3305	236	1	7	7	X
fsr-3305	236	2	.	.	X
fsr-3305	236	3	conclusion	conclusion	NOUN
fsr-3305	236	4	it	it	PRON
fsr-3305	236	5	is	be	AUX
fsr-3305	236	6	important	important	ADJ
fsr-3305	236	7	to	to	PART
fsr-3305	236	8	push	push	VERB
fsr-3305	236	9	forward	forward	ADV
fsr-3305	236	10	the	the	DET
fsr-3305	236	11	financial	financial	ADJ
fsr-3305	236	12	literacy	literacy	NOUN
fsr-3305	236	13	of	of	ADP
fsr-3305	236	14	canadians	canadian	NOUN
fsr-3305	236	15	in	in	ADP
fsr-3305	236	16	many	many	ADJ
fsr-3305	236	17	regards	regard	NOUN
fsr-3305	236	18	.	.	PUNCT
fsr-3305	237	1	lusardi	lusardi	PROPN
fsr-3305	237	2	and	and	CCONJ
fsr-3305	237	3	mitchell	mitchell	PROPN
fsr-3305	237	4	(	(	PUNCT
fsr-3305	237	5	2007	2007	NUM
fsr-3305	237	6	,	,	PUNCT
fsr-3305	237	7	2011a	2011a	NUM
fsr-3305	237	8	,	,	PUNCT
fsr-3305	237	9	2011b	2011b	NUM
fsr-3305	237	10	)	)	PUNCT
fsr-3305	237	11	provided	provide	VERB
fsr-3305	237	12	multiperiod	multiperiod	NOUN
fsr-3305	237	13	life	life	NOUN
fsr-3305	237	14	cycle	cycle	NOUN
fsr-3305	237	15	model	model	NOUN
fsr-3305	237	16	and	and	CCONJ
fsr-3305	237	17	evidence	evidence	NOUN
fsr-3305	237	18	that	that	PRON
fsr-3305	237	19	shows	show	VERB
fsr-3305	237	20	that	that	SCONJ
fsr-3305	237	21	it	it	PRON
fsr-3305	237	22	is	be	AUX
fsr-3305	237	23	socially	socially	ADV
fsr-3305	237	24	optimal	optimal	ADJ
fsr-3305	237	25	to	to	PART
fsr-3305	237	26	raise	raise	VERB
fsr-3305	237	27	financial	financial	ADJ
fsr-3305	237	28	knowledge	knowledge	NOUN
fsr-3305	237	29	of	of	ADP
fsr-3305	237	30	everyone	everyone	PRON
fsr-3305	237	31	early	early	ADV
fsr-3305	237	32	in	in	ADP
fsr-3305	237	33	life	life	NOUN
fsr-3305	237	34	.	.	PUNCT
fsr-3305	238	1	former	former	ADJ
fsr-3305	238	2	federal	federal	PROPN
fsr-3305	238	3	reserve	reserve	PROPN
fsr-3305	238	4	board	board	PROPN
fsr-3305	238	5	chair	chair	PROPN
fsr-3305	238	6	,	,	PUNCT
fsr-3305	238	7	ben	ben	PROPN
fsr-3305	238	8	bernanke	bernanke	PROPN
fsr-3305	238	9	stated	state	VERB
fsr-3305	238	10	in	in	ADP
fsr-3305	238	11	a	a	DET
fsr-3305	238	12	speech	speech	NOUN
fsr-3305	238	13	in	in	ADP
fsr-3305	238	14	2013	2013	NUM
fsr-3305	238	15	that	that	SCONJ
fsr-3305	238	16	,	,	PUNCT
fsr-3305	238	17	“	"	PUNCT
fsr-3305	238	18	among	among	ADP
fsr-3305	238	19	the	the	DET
fsr-3305	238	20	lessons	lesson	NOUN
fsr-3305	238	21	of	of	ADP
fsr-3305	238	22	the	the	DET
fsr-3305	238	23	financial	financial	ADJ
fsr-3305	238	24	crisis	crisis	NOUN
fsr-3305	238	25	is	be	AUX
fsr-3305	238	26	the	the	DET
fsr-3305	238	27	need	need	NOUN
fsr-3305	238	28	for	for	SCONJ
fsr-3305	238	29	virtually	virtually	ADV
fsr-3305	238	30	everyone	everyone	PRON
fsr-3305	238	31	both	both	CCONJ
fsr-3305	238	32	young	young	ADJ
fsr-3305	238	33	and	and	CCONJ
fsr-3305	238	34	oldto	oldto	ADJ
fsr-3305	238	35	acquire	acquire	VERB
fsr-3305	238	36	a	a	DET
fsr-3305	238	37	basic	basic	ADJ
fsr-3305	238	38	knowledge	knowledge	NOUN
fsr-3305	238	39	of	of	ADP
fsr-3305	238	40	finance	finance	NOUN
fsr-3305	238	41	and	and	CCONJ
fsr-3305	238	42	economics	economic	NOUN
fsr-3305	238	43	.	.	PUNCT
fsr-3305	239	1	such	such	ADJ
fsr-3305	239	2	knowledge	knowledge	NOUN
fsr-3305	239	3	is	be	AUX
fsr-3305	239	4	necessary	necessary	ADJ
fsr-3305	239	5	for	for	ADP
fsr-3305	239	6	anyone	anyone	PRON
fsr-3305	239	7	who	who	PRON
fsr-3305	239	8	will	will	AUX
fsr-3305	239	9	be	be	AUX
fsr-3305	239	10	faced	face	VERB
fsr-3305	239	11	with	with	ADP
fsr-3305	239	12	managing	manage	VERB
fsr-3305	239	13	a	a	DET
fsr-3305	239	14	household	household	NOUN
fsr-3305	239	15	budget	budget	NOUN
fsr-3305	239	16	,	,	PUNCT
fsr-3305	239	17	making	make	VERB
fsr-3305	239	18	financial	financial	ADJ
fsr-3305	239	19	investments	investment	NOUN
fsr-3305	239	20	,	,	PUNCT
fsr-3305	239	21	finding	find	VERB
fsr-3305	239	22	reliable	reliable	ADJ
fsr-3305	239	23	information	information	NOUN
fsr-3305	239	24	about	about	ADP
fsr-3305	239	25	buying	buy	VERB
fsr-3305	239	26	a	a	DET
fsr-3305	239	27	car	car	NOUN
fsr-3305	239	28	or	or	CCONJ
fsr-3305	239	29	a	a	DET
fsr-3305	239	30	house	house	NOUN
fsr-3305	239	31	and	and	CCONJ
fsr-3305	239	32	preparing	prepare	VERB
fsr-3305	239	33	financially	financially	ADV
fsr-3305	239	34	for	for	ADP
fsr-3305	239	35	retirement	retirement	NOUN
fsr-3305	239	36	and	and	CCONJ
fsr-3305	239	37	other	other	ADJ
fsr-3305	239	38	life	life	NOUN
fsr-3305	239	39	goals	goal	NOUN
fsr-3305	239	40	”	"	PUNCT
fsr-3305	239	41	(	(	PUNCT
fsr-3305	239	42	bernanke	bernanke	PROPN
fsr-3305	239	43	,	,	PUNCT
fsr-3305	239	44	2013	2013	NUM
fsr-3305	239	45	)	)	PUNCT
fsr-3305	239	46	.	.	PUNCT
fsr-3305	240	1	as	as	SCONJ
fsr-3305	240	2	we	we	PRON
fsr-3305	240	3	push	push	VERB
fsr-3305	240	4	forward	forward	ADV
fsr-3305	240	5	with	with	ADP
fsr-3305	240	6	financial	financial	ADJ
fsr-3305	240	7	education	education	NOUN
fsr-3305	240	8	programs	program	NOUN
fsr-3305	240	9	to	to	PART
fsr-3305	240	10	foster	foster	VERB
fsr-3305	240	11	the	the	DET
fsr-3305	240	12	financial	financial	ADJ
fsr-3305	240	13	literacy	literacy	NOUN
fsr-3305	240	14	of	of	ADP
fsr-3305	240	15	households	household	NOUN
fsr-3305	240	16	and	and	CCONJ
fsr-3305	240	17	individuals	individual	NOUN
fsr-3305	240	18	it	it	PRON
fsr-3305	240	19	is	be	AUX
fsr-3305	240	20	important	important	ADJ
fsr-3305	240	21	to	to	PART
fsr-3305	240	22	understand	understand	VERB
fsr-3305	240	23	where	where	SCONJ
fsr-3305	240	24	educators	educator	NOUN
fsr-3305	240	25	and	and	CCONJ
fsr-3305	240	26	regulators	regulator	NOUN
fsr-3305	240	27	focus	focus	VERB
fsr-3305	240	28	their	their	PRON
fsr-3305	240	29	attention	attention	NOUN
fsr-3305	240	30	.	.	PUNCT
fsr-3305	241	1	this	this	DET
fsr-3305	241	2	research	research	NOUN
fsr-3305	241	3	concentrates	concentrate	VERB
fsr-3305	241	4	on	on	ADP
fsr-3305	241	5	the	the	DET
fsr-3305	241	6	generation	generation	NOUN
fsr-3305	241	7	y	y	PROPN
fsr-3305	241	8	age	age	NOUN
fsr-3305	241	9	demographic	demographic	ADJ
fsr-3305	241	10	,	,	PUNCT
fsr-3305	241	11	which	which	PRON
fsr-3305	241	12	are	be	AUX
fsr-3305	241	13	some	some	PRON
fsr-3305	241	14	of	of	ADP
fsr-3305	241	15	the	the	DET
fsr-3305	241	16	early	early	ADJ
fsr-3305	241	17	adopters	adopter	NOUN
fsr-3305	241	18	of	of	ADP
fsr-3305	241	19	the	the	DET
fsr-3305	241	20	financial	financial	ADJ
fsr-3305	241	21	technology	technology	NOUN
fsr-3305	241	22	(	(	PUNCT
fsr-3305	241	23	fintech	fintech	NOUN
fsr-3305	241	24	)	)	PUNCT
fsr-3305	241	25	products	product	NOUN
fsr-3305	241	26	and	and	CCONJ
fsr-3305	241	27	services	service	NOUN
fsr-3305	241	28	.	.	PUNCT
fsr-3305	242	1	while	while	SCONJ
fsr-3305	242	2	focusing	focus	VERB
fsr-3305	242	3	on	on	ADP
fsr-3305	242	4	this	this	DET
fsr-3305	242	5	demographic	demographic	ADJ
fsr-3305	242	6	,	,	PUNCT
fsr-3305	242	7	this	this	DET
fsr-3305	242	8	research	research	NOUN
fsr-3305	242	9	measures	measure	VERB
fsr-3305	242	10	the	the	DET
fsr-3305	242	11	personality	personality	NOUN
fsr-3305	242	12	traits	trait	NOUN
fsr-3305	242	13	of	of	ADP
fsr-3305	242	14	individuals	individual	NOUN
fsr-3305	242	15	and	and	CCONJ
fsr-3305	242	16	shines	shine	VERB
fsr-3305	242	17	new	new	ADJ
fsr-3305	242	18	light	light	NOUN
fsr-3305	242	19	on	on	ADP
fsr-3305	242	20	how	how	SCONJ
fsr-3305	242	21	behavioral	behavioral	ADJ
fsr-3305	242	22	traits	trait	NOUN
fsr-3305	242	23	may	may	AUX
fsr-3305	242	24	influence	influence	VERB
fsr-3305	242	25	one	one	NUM
fsr-3305	242	26	’s	’s	PART
fsr-3305	242	27	ability	ability	NOUN
fsr-3305	242	28	to	to	PART
fsr-3305	242	29	understand	understand	VERB
fsr-3305	242	30	the	the	DET
fsr-3305	242	31	complexities	complexity	NOUN
fsr-3305	242	32	of	of	ADP
fsr-3305	242	33	the	the	DET
fsr-3305	242	34	financial	financial	ADJ
fsr-3305	242	35	decisions	decision	NOUN
fsr-3305	242	36	people	people	NOUN
fsr-3305	242	37	face	face	VERB
fsr-3305	242	38	.	.	PUNCT
fsr-3305	243	1	the	the	DET
fsr-3305	243	2	results	result	NOUN
fsr-3305	243	3	of	of	ADP
fsr-3305	243	4	this	this	DET
fsr-3305	243	5	research	research	NOUN
fsr-3305	243	6	indicate	indicate	VERB
fsr-3305	243	7	that	that	SCONJ
fsr-3305	243	8	some	some	DET
fsr-3305	243	9	personality	personality	NOUN
fsr-3305	243	10	traits	trait	NOUN
fsr-3305	243	11	do	do	AUX
fsr-3305	243	12	in	in	ADP
fsr-3305	243	13	fact	fact	NOUN
fsr-3305	243	14	play	play	VERB
fsr-3305	243	15	a	a	DET
fsr-3305	243	16	role	role	NOUN
fsr-3305	243	17	in	in	ADP
fsr-3305	243	18	financial	financial	ADJ
fsr-3305	243	19	literacy	literacy	NOUN
fsr-3305	243	20	of	of	ADP
fsr-3305	243	21	an	an	DET
fsr-3305	243	22	individual	individual	NOUN
fsr-3305	243	23	.	.	PUNCT
fsr-3305	244	1	the	the	DET
fsr-3305	244	2	most	most	ADV
fsr-3305	244	3	significant	significant	ADJ
fsr-3305	244	4	personality	personality	NOUN
fsr-3305	244	5	trait	trait	NOUN
fsr-3305	244	6	shown	show	VERB
fsr-3305	244	7	to	to	PART
fsr-3305	244	8	impact	impact	VERB
fsr-3305	244	9	financial	financial	ADJ
fsr-3305	244	10	literacy	literacy	NOUN
fsr-3305	244	11	is	be	AUX
fsr-3305	244	12	conscientiousness	conscientiousness	NOUN
fsr-3305	244	13	.	.	PUNCT
fsr-3305	245	1	individuals	individual	NOUN
fsr-3305	245	2	that	that	PRON
fsr-3305	245	3	have	have	VERB
fsr-3305	245	4	a	a	DET
fsr-3305	245	5	higher	high	ADJ
fsr-3305	245	6	degree	degree	NOUN
fsr-3305	245	7	of	of	ADP
fsr-3305	245	8	conscientiousness	conscientiousness	NOUN
fsr-3305	245	9	tend	tend	VERB
fsr-3305	245	10	to	to	PART
fsr-3305	245	11	exhibit	exhibit	VERB
fsr-3305	245	12	higher	high	ADJ
fsr-3305	245	13	levels	level	NOUN
fsr-3305	245	14	of	of	ADP
fsr-3305	245	15	overall	overall	ADJ
fsr-3305	245	16	financial	financial	ADJ
fsr-3305	245	17	literacy	literacy	NOUN
fsr-3305	245	18	.	.	PUNCT
fsr-3305	246	1	these	these	DET
fsr-3305	246	2	results	result	NOUN
fsr-3305	246	3	hold	hold	VERB
fsr-3305	246	4	across	across	ADP
fsr-3305	246	5	155r.n	155r.n	NUM
fsr-3305	246	6	.	.	PUNCT
fsr-3305	247	1	killins	killin	NOUN
fsr-3305	247	2	/	/	SYM
fsr-3305	247	3	financial	financial	ADJ
fsr-3305	247	4	services	service	NOUN
fsr-3305	247	5	review	review	VERB
fsr-3305	247	6	26	26	NUM
fsr-3305	247	7	(	(	PUNCT
fsr-3305	247	8	2017	2017	NUM
fsr-3305	247	9	)	)	PUNCT
fsr-3305	247	10	143–165	143–165	NUM
fsr-3305	247	11	the	the	DET
fsr-3305	247	12	various	various	ADJ
fsr-3305	247	13	measures	measure	NOUN
fsr-3305	247	14	of	of	ADP
fsr-3305	247	15	financial	financial	ADJ
fsr-3305	247	16	literacy	literacy	NOUN
fsr-3305	247	17	which	which	PRON
fsr-3305	247	18	include	include	VERB
fsr-3305	247	19	:	:	PUNCT
fsr-3305	247	20	investments	investment	NOUN
fsr-3305	247	21	,	,	PUNCT
fsr-3305	247	22	budgeting	budgeting	NOUN
fsr-3305	247	23	,	,	PUNCT
fsr-3305	247	24	economics	economic	NOUN
fsr-3305	247	25	,	,	PUNCT
fsr-3305	247	26	risk	risk	NOUN
fsr-3305	247	27	management	management	NOUN
fsr-3305	247	28	,	,	PUNCT
fsr-3305	247	29	and	and	CCONJ
fsr-3305	247	30	retirement	retirement	NOUN
fsr-3305	247	31	planning	planning	NOUN
fsr-3305	247	32	.	.	PUNCT
fsr-3305	248	1	another	another	DET
fsr-3305	248	2	personality	personality	NOUN
fsr-3305	248	3	trait	trait	NOUN
fsr-3305	248	4	that	that	PRON
fsr-3305	248	5	has	have	VERB
fsr-3305	248	6	an	an	DET
fsr-3305	248	7	influence	influence	NOUN
fsr-3305	248	8	on	on	ADP
fsr-3305	248	9	one	one	NUM
fsr-3305	248	10	’s	’s	PART
fsr-3305	248	11	overall	overall	ADJ
fsr-3305	248	12	financial	financial	ADJ
fsr-3305	248	13	literacy	literacy	NOUN
fsr-3305	248	14	is	be	AUX
fsr-3305	248	15	extraversion	extraversion	NOUN
fsr-3305	248	16	.	.	PUNCT
fsr-3305	249	1	those	those	PRON
fsr-3305	249	2	who	who	PRON
fsr-3305	249	3	tend	tend	VERB
fsr-3305	249	4	to	to	PART
fsr-3305	249	5	be	be	AUX
fsr-3305	249	6	more	more	ADV
fsr-3305	249	7	extroverted	extroverted	ADJ
fsr-3305	249	8	tend	tend	NOUN
fsr-3305	249	9	to	to	PART
fsr-3305	249	10	score	score	VERB
fsr-3305	249	11	lower	lower	ADV
fsr-3305	249	12	in	in	ADP
fsr-3305	249	13	their	their	PRON
fsr-3305	249	14	overall	overall	ADJ
fsr-3305	249	15	financial	financial	ADJ
fsr-3305	249	16	literacy	literacy	NOUN
fsr-3305	249	17	.	.	PUNCT
fsr-3305	250	1	although	although	SCONJ
fsr-3305	250	2	the	the	DET
fsr-3305	250	3	primary	primary	ADJ
fsr-3305	250	4	research	research	NOUN
fsr-3305	250	5	goal	goal	NOUN
fsr-3305	250	6	of	of	ADP
fsr-3305	250	7	this	this	DET
fsr-3305	250	8	article	article	NOUN
fsr-3305	250	9	was	be	AUX
fsr-3305	250	10	to	to	PART
fsr-3305	250	11	uncover	uncover	VERB
fsr-3305	250	12	the	the	DET
fsr-3305	250	13	role	role	NOUN
fsr-3305	250	14	of	of	ADP
fsr-3305	250	15	personality	personality	NOUN
fsr-3305	250	16	traits	trait	NOUN
fsr-3305	250	17	on	on	ADP
fsr-3305	250	18	financial	financial	ADJ
fsr-3305	250	19	literacy	literacy	NOUN
fsr-3305	250	20	this	this	DET
fsr-3305	250	21	article	article	NOUN
fsr-3305	250	22	also	also	ADV
fsr-3305	250	23	confirmed	confirm	VERB
fsr-3305	250	24	that	that	SCONJ
fsr-3305	250	25	minorities	minority	NOUN
fsr-3305	250	26	tend	tend	VERB
fsr-3305	250	27	to	to	PART
fsr-3305	250	28	exhibit	exhibit	VERB
fsr-3305	250	29	a	a	DET
fsr-3305	250	30	lower	low	ADJ
fsr-3305	250	31	level	level	NOUN
fsr-3305	250	32	of	of	ADP
fsr-3305	250	33	financial	financial	ADJ
fsr-3305	250	34	literacy	literacy	NOUN
fsr-3305	250	35	,	,	PUNCT
fsr-3305	250	36	which	which	PRON
fsr-3305	250	37	is	be	AUX
fsr-3305	250	38	supported	support	VERB
fsr-3305	250	39	by	by	ADP
fsr-3305	250	40	previous	previous	ADJ
fsr-3305	250	41	work	work	NOUN
fsr-3305	250	42	by	by	ADP
fsr-3305	250	43	lusardi	lusardi	PROPN
fsr-3305	250	44	and	and	CCONJ
fsr-3305	250	45	mitchell	mitchell	PROPN
fsr-3305	250	46	(	(	PUNCT
fsr-3305	250	47	2014	2014	NUM
fsr-3305	250	48	)	)	PUNCT
fsr-3305	250	49	,	,	PUNCT
fsr-3305	250	50	among	among	ADP
fsr-3305	250	51	others	other	NOUN
fsr-3305	250	52	.	.	PUNCT
fsr-3305	251	1	in	in	ADP
fsr-3305	251	2	contrast	contrast	NOUN
fsr-3305	251	3	to	to	ADP
fsr-3305	251	4	the	the	DET
fsr-3305	251	5	previous	previous	ADJ
fsr-3305	251	6	finding	finding	NOUN
fsr-3305	251	7	by	by	ADP
fsr-3305	251	8	chen	chen	PROPN
fsr-3305	251	9	and	and	CCONJ
fsr-3305	251	10	volpe	volpe	PROPN
fsr-3305	251	11	(	(	PUNCT
fsr-3305	251	12	2002	2002	NUM
fsr-3305	251	13	)	)	PUNCT
fsr-3305	251	14	and	and	CCONJ
fsr-3305	251	15	lusardi	lusardi	PROPN
fsr-3305	251	16	and	and	CCONJ
fsr-3305	251	17	mitchell	mitchell	PROPN
fsr-3305	251	18	(	(	PUNCT
fsr-3305	251	19	2011a	2011a	NUM
fsr-3305	251	20	)	)	PUNCT
fsr-3305	251	21	,	,	PUNCT
fsr-3305	251	22	the	the	DET
fsr-3305	251	23	gender	gender	NOUN
fsr-3305	251	24	dummy	dummy	ADJ
fsr-3305	251	25	variable	variable	NOUN
fsr-3305	251	26	did	do	AUX
fsr-3305	251	27	not	not	PART
fsr-3305	251	28	show	show	VERB
fsr-3305	251	29	any	any	DET
fsr-3305	251	30	statistical	statistical	ADJ
fsr-3305	251	31	significance	significance	NOUN
fsr-3305	251	32	suggesting	suggest	VERB
fsr-3305	251	33	that	that	SCONJ
fsr-3305	251	34	males	male	NOUN
fsr-3305	251	35	and	and	CCONJ
fsr-3305	251	36	females	female	NOUN
fsr-3305	251	37	in	in	ADP
fsr-3305	251	38	the	the	DET
fsr-3305	251	39	generation	generation	NOUN
fsr-3305	251	40	y	y	PROPN
fsr-3305	251	41	age	age	NOUN
fsr-3305	251	42	cohort	cohort	NOUN
fsr-3305	251	43	share	share	VERB
fsr-3305	251	44	similar	similar	ADJ
fsr-3305	251	45	levels	level	NOUN
fsr-3305	251	46	of	of	ADP
fsr-3305	251	47	financial	financial	ADJ
fsr-3305	251	48	literacy	literacy	NOUN
fsr-3305	251	49	.	.	PUNCT
fsr-3305	252	1	the	the	DET
fsr-3305	252	2	results	result	NOUN
fsr-3305	252	3	of	of	ADP
fsr-3305	252	4	this	this	DET
fsr-3305	252	5	research	research	NOUN
fsr-3305	252	6	add	add	VERB
fsr-3305	252	7	to	to	ADP
fsr-3305	252	8	the	the	DET
fsr-3305	252	9	growing	grow	VERB
fsr-3305	252	10	literature	literature	NOUN
fsr-3305	252	11	in	in	ADP
fsr-3305	252	12	both	both	CCONJ
fsr-3305	252	13	the	the	DET
fsr-3305	252	14	financial	financial	ADJ
fsr-3305	252	15	literacy	literacy	NOUN
fsr-3305	252	16	and	and	CCONJ
fsr-3305	252	17	behavioral	behavioral	ADJ
fsr-3305	252	18	finance	finance	NOUN
fsr-3305	252	19	fields	field	NOUN
fsr-3305	252	20	.	.	PUNCT
fsr-3305	253	1	policymakers	policymaker	NOUN
fsr-3305	253	2	and	and	CCONJ
fsr-3305	253	3	regulators	regulator	NOUN
fsr-3305	253	4	can	can	AUX
fsr-3305	253	5	use	use	VERB
fsr-3305	253	6	this	this	DET
fsr-3305	253	7	research	research	NOUN
fsr-3305	253	8	to	to	PART
fsr-3305	253	9	understand	understand	VERB
fsr-3305	253	10	how	how	SCONJ
fsr-3305	253	11	to	to	PART
fsr-3305	253	12	develop	develop	VERB
fsr-3305	253	13	their	their	PRON
fsr-3305	253	14	financial	financial	ADJ
fsr-3305	253	15	literacy	literacy	NOUN
fsr-3305	253	16	initiatives	initiative	NOUN
fsr-3305	253	17	.	.	PUNCT
fsr-3305	254	1	financial	financial	ADJ
fsr-3305	254	2	institutions	institution	NOUN
fsr-3305	254	3	in	in	ADP
fsr-3305	254	4	canada	canada	PROPN
fsr-3305	254	5	who	who	PRON
fsr-3305	254	6	want	want	VERB
fsr-3305	254	7	to	to	PART
fsr-3305	254	8	strengthen	strengthen	VERB
fsr-3305	254	9	their	their	PRON
fsr-3305	254	10	customer	customer	NOUN
fsr-3305	254	11	base	base	NOUN
fsr-3305	254	12	to	to	PART
fsr-3305	254	13	provide	provide	VERB
fsr-3305	254	14	additional	additional	ADJ
fsr-3305	254	15	products	product	NOUN
fsr-3305	254	16	and	and	CCONJ
fsr-3305	254	17	services	service	NOUN
fsr-3305	254	18	can	can	AUX
fsr-3305	254	19	also	also	ADV
fsr-3305	254	20	benefit	benefit	VERB
fsr-3305	254	21	from	from	ADP
fsr-3305	254	22	understanding	understand	VERB
fsr-3305	254	23	the	the	DET
fsr-3305	254	24	gaps	gap	NOUN
fsr-3305	254	25	that	that	PRON
fsr-3305	254	26	exist	exist	VERB
fsr-3305	254	27	in	in	ADP
fsr-3305	254	28	financial	financial	ADJ
fsr-3305	254	29	knowledge	knowledge	NOUN
fsr-3305	254	30	of	of	ADP
fsr-3305	254	31	the	the	DET
fsr-3305	254	32	generation	generation	NOUN
fsr-3305	254	33	y	y	PROPN
fsr-3305	254	34	age	age	NOUN
fsr-3305	254	35	cohort	cohort	NOUN
fsr-3305	254	36	.	.	PUNCT
fsr-3305	255	1	this	this	DET
fsr-3305	255	2	age	age	NOUN
fsr-3305	255	3	group	group	NOUN
fsr-3305	255	4	may	may	AUX
fsr-3305	255	5	need	need	VERB
fsr-3305	255	6	further	further	ADJ
fsr-3305	255	7	assistance	assistance	NOUN
fsr-3305	255	8	in	in	ADP
fsr-3305	255	9	developing	develop	VERB
fsr-3305	255	10	their	their	PRON
fsr-3305	255	11	financial	financial	ADJ
fsr-3305	255	12	literacy	literacy	NOUN
fsr-3305	255	13	levels	level	NOUN
fsr-3305	255	14	,	,	PUNCT
fsr-3305	255	15	and	and	CCONJ
fsr-3305	255	16	financial	financial	ADJ
fsr-3305	255	17	institutions	institution	NOUN
fsr-3305	255	18	and	and	CCONJ
fsr-3305	255	19	regulators	regulator	NOUN
fsr-3305	255	20	can	can	AUX
fsr-3305	255	21	use	use	VERB
fsr-3305	255	22	social	social	ADJ
fsr-3305	255	23	media	medium	NOUN
fsr-3305	255	24	outlets	outlet	NOUN
fsr-3305	255	25	to	to	PART
fsr-3305	255	26	engage	engage	VERB
fsr-3305	255	27	the	the	DET
fsr-3305	255	28	generation	generation	NOUN
fsr-3305	255	29	y	y	PROPN
fsr-3305	255	30	cohort	cohort	NOUN
fsr-3305	255	31	and	and	CCONJ
fsr-3305	255	32	build	build	VERB
fsr-3305	255	33	a	a	DET
fsr-3305	255	34	more	more	ADV
fsr-3305	255	35	financially	financially	ADV
fsr-3305	255	36	savvy	savvy	ADJ
fsr-3305	255	37	base	base	NOUN
fsr-3305	255	38	of	of	ADP
fsr-3305	255	39	young	young	ADJ
fsr-3305	255	40	clients	client	NOUN
fsr-3305	255	41	.	.	PUNCT
fsr-3305	256	1	finally	finally	ADV
fsr-3305	256	2	,	,	PUNCT
fsr-3305	256	3	financial	financial	ADJ
fsr-3305	256	4	institutions	institution	NOUN
fsr-3305	256	5	should	should	AUX
fsr-3305	256	6	be	be	AUX
fsr-3305	256	7	aware	aware	ADJ
fsr-3305	256	8	of	of	ADP
fsr-3305	256	9	the	the	DET
fsr-3305	256	10	“	"	PUNCT
fsr-3305	256	11	paradox	paradox	NOUN
fsr-3305	256	12	of	of	ADP
fsr-3305	256	13	choice	choice	NOUN
fsr-3305	256	14	.	.	PUNCT
fsr-3305	256	15	”	"	PUNCT
fsr-3305	257	1	as	as	SCONJ
fsr-3305	257	2	schwartz	schwartz	PROPN
fsr-3305	257	3	(	(	PUNCT
fsr-3305	257	4	2004	2004	NUM
fsr-3305	257	5	)	)	PUNCT
fsr-3305	257	6	suggests	suggest	VERB
fsr-3305	257	7	,	,	PUNCT
fsr-3305	257	8	the	the	DET
fsr-3305	257	9	fact	fact	NOUN
fsr-3305	257	10	that	that	SCONJ
fsr-3305	257	11	some	some	DET
fsr-3305	257	12	choice	choice	NOUN
fsr-3305	257	13	is	be	AUX
fsr-3305	257	14	good	good	ADJ
fsr-3305	257	15	does	do	AUX
fsr-3305	257	16	n’t	not	PART
fsr-3305	257	17	necessarily	necessarily	ADV
fsr-3305	257	18	mean	mean	VERB
fsr-3305	257	19	that	that	SCONJ
fsr-3305	257	20	more	more	ADJ
fsr-3305	257	21	choice	choice	NOUN
fsr-3305	257	22	is	be	AUX
fsr-3305	257	23	better	well	ADJ
fsr-3305	257	24	.	.	PUNCT
fsr-3305	258	1	understanding	understand	VERB
fsr-3305	258	2	the	the	DET
fsr-3305	258	3	limits	limit	NOUN
fsr-3305	258	4	of	of	ADP
fsr-3305	258	5	their	their	PRON
fsr-3305	258	6	customer	customer	NOUN
fsr-3305	258	7	base	base	NOUN
fsr-3305	258	8	should	should	AUX
fsr-3305	258	9	lead	lead	VERB
fsr-3305	258	10	banks	bank	NOUN
fsr-3305	258	11	and	and	CCONJ
fsr-3305	258	12	financial	financial	ADJ
fsr-3305	258	13	services	service	NOUN
fsr-3305	258	14	providers	provider	NOUN
fsr-3305	258	15	to	to	PART
fsr-3305	258	16	restrict	restrict	VERB
fsr-3305	258	17	the	the	DET
fsr-3305	258	18	number	number	NOUN
fsr-3305	258	19	of	of	ADP
fsr-3305	258	20	choices	choice	NOUN
fsr-3305	258	21	consumers	consumer	NOUN
fsr-3305	258	22	need	need	VERB
fsr-3305	258	23	to	to	PART
fsr-3305	258	24	make	make	VERB
fsr-3305	258	25	in	in	ADP
fsr-3305	258	26	complex	complex	ADJ
fsr-3305	258	27	financial	financial	ADJ
fsr-3305	258	28	planning	planning	NOUN
fsr-3305	258	29	areas	area	NOUN
fsr-3305	258	30	.	.	PUNCT
fsr-3305	259	1	further	further	ADJ
fsr-3305	259	2	research	research	NOUN
fsr-3305	259	3	is	be	AUX
fsr-3305	259	4	imperative	imperative	ADJ
fsr-3305	259	5	in	in	ADP
fsr-3305	259	6	canada	canada	PROPN
fsr-3305	259	7	and	and	CCONJ
fsr-3305	259	8	around	around	ADP
fsr-3305	259	9	the	the	DET
fsr-3305	259	10	globe	globe	NOUN
fsr-3305	259	11	,	,	PUNCT
fsr-3305	259	12	to	to	PART
fsr-3305	259	13	further	further	VERB
fsr-3305	259	14	the	the	DET
fsr-3305	259	15	understanding	understanding	NOUN
fsr-3305	259	16	of	of	ADP
fsr-3305	259	17	how	how	SCONJ
fsr-3305	259	18	financial	financial	ADJ
fsr-3305	259	19	literacy	literacy	NOUN
fsr-3305	259	20	affects	affect	VERB
fsr-3305	259	21	the	the	DET
fsr-3305	259	22	various	various	ADJ
fsr-3305	259	23	stakeholders	stakeholder	NOUN
fsr-3305	259	24	in	in	ADP
fsr-3305	259	25	the	the	DET
fsr-3305	259	26	financial	financial	ADJ
fsr-3305	259	27	markets	market	NOUN
fsr-3305	259	28	.	.	PUNCT
fsr-3305	260	1	as	as	ADP
fsr-3305	260	2	the	the	DET
fsr-3305	260	3	baby	baby	NOUN
fsr-3305	260	4	boomer	boomer	NOUN
fsr-3305	260	5	transition	transition	NOUN
fsr-3305	260	6	into	into	ADP
fsr-3305	260	7	retirement	retirement	NOUN
fsr-3305	260	8	,	,	PUNCT
fsr-3305	260	9	an	an	DET
fsr-3305	260	10	estimated	estimate	VERB
fsr-3305	260	11	$	$	SYM
fsr-3305	260	12	750	750	NUM
fsr-3305	260	13	billion	billion	NUM
fsr-3305	260	14	dollars	dollar	NOUN
fsr-3305	260	15	in	in	ADP
fsr-3305	260	16	wealth	wealth	NOUN
fsr-3305	260	17	will	will	AUX
fsr-3305	260	18	be	be	AUX
fsr-3305	260	19	transferred	transfer	VERB
fsr-3305	260	20	to	to	ADP
fsr-3305	260	21	a	a	DET
fsr-3305	260	22	younger	young	ADJ
fsr-3305	260	23	generation	generation	NOUN
fsr-3305	260	24	in	in	ADP
fsr-3305	260	25	canada	canada	PROPN
fsr-3305	260	26	.	.	PUNCT
fsr-3305	261	1	this	this	PRON
fsr-3305	261	2	leads	lead	VERB
fsr-3305	261	3	to	to	ADP
fsr-3305	261	4	significant	significant	ADJ
fsr-3305	261	5	implications	implication	NOUN
fsr-3305	261	6	for	for	ADP
fsr-3305	261	7	both	both	CCONJ
fsr-3305	261	8	young	young	ADJ
fsr-3305	261	9	and	and	CCONJ
fsr-3305	261	10	old	old	ADJ
fsr-3305	261	11	.	.	PUNCT
fsr-3305	262	1	the	the	DET
fsr-3305	262	2	older	old	ADJ
fsr-3305	262	3	generation	generation	NOUN
fsr-3305	262	4	will	will	AUX
fsr-3305	262	5	need	need	VERB
fsr-3305	262	6	to	to	PART
fsr-3305	262	7	structure	structure	VERB
fsr-3305	262	8	the	the	DET
fsr-3305	262	9	transfer	transfer	NOUN
fsr-3305	262	10	of	of	ADP
fsr-3305	262	11	this	this	DET
fsr-3305	262	12	wealth	wealth	NOUN
fsr-3305	262	13	properly	properly	ADV
fsr-3305	262	14	,	,	PUNCT
fsr-3305	262	15	and	and	CCONJ
fsr-3305	262	16	the	the	DET
fsr-3305	262	17	younger	young	ADJ
fsr-3305	262	18	generation	generation	NOUN
fsr-3305	262	19	will	will	AUX
fsr-3305	262	20	have	have	VERB
fsr-3305	262	21	abundant	abundant	ADJ
fsr-3305	262	22	amounts	amount	NOUN
fsr-3305	262	23	of	of	ADP
fsr-3305	262	24	capital	capital	NOUN
fsr-3305	262	25	that	that	PRON
fsr-3305	262	26	will	will	AUX
fsr-3305	262	27	need	need	VERB
fsr-3305	262	28	to	to	PART
fsr-3305	262	29	be	be	AUX
fsr-3305	262	30	managed	manage	VERB
fsr-3305	262	31	and	and	CCONJ
fsr-3305	262	32	preserved	preserve	VERB
fsr-3305	262	33	for	for	ADP
fsr-3305	262	34	future	future	ADJ
fsr-3305	262	35	generations	generation	NOUN
fsr-3305	262	36	.	.	PUNCT
fsr-3305	263	1	this	this	DET
fsr-3305	263	2	research	research	NOUN
fsr-3305	263	3	acknowledges	acknowledge	VERB
fsr-3305	263	4	that	that	SCONJ
fsr-3305	263	5	estate	estate	NOUN
fsr-3305	263	6	planning	planning	NOUN
fsr-3305	263	7	literacy	literacy	NOUN
fsr-3305	263	8	(	(	PUNCT
fsr-3305	263	9	outside	outside	ADP
fsr-3305	263	10	risk	risk	NOUN
fsr-3305	263	11	management	management	NOUN
fsr-3305	263	12	)	)	PUNCT
fsr-3305	263	13	was	be	AUX
fsr-3305	263	14	not	not	PART
fsr-3305	263	15	addressed	address	VERB
fsr-3305	263	16	and	and	CCONJ
fsr-3305	263	17	future	future	ADJ
fsr-3305	263	18	research	research	NOUN
fsr-3305	263	19	is	be	AUX
fsr-3305	263	20	needed	need	VERB
fsr-3305	263	21	to	to	PART
fsr-3305	263	22	better	well	ADV
fsr-3305	263	23	understand	understand	VERB
fsr-3305	263	24	how	how	SCONJ
fsr-3305	263	25	wealth	wealth	NOUN
fsr-3305	263	26	transfers	transfer	NOUN
fsr-3305	263	27	in	in	ADP
fsr-3305	263	28	the	the	DET
fsr-3305	263	29	coming	come	VERB
fsr-3305	263	30	decades	decade	NOUN
fsr-3305	263	31	can	can	AUX
fsr-3305	263	32	be	be	AUX
fsr-3305	263	33	managed	manage	VERB
fsr-3305	263	34	effectively	effectively	ADV
fsr-3305	263	35	.	.	PUNCT
fsr-3305	264	1	collins	collins	PROPN
fsr-3305	264	2	(	(	PUNCT
fsr-3305	264	3	2012	2012	NUM
fsr-3305	264	4	)	)	PUNCT
fsr-3305	264	5	has	have	AUX
fsr-3305	264	6	shown	show	VERB
fsr-3305	264	7	that	that	SCONJ
fsr-3305	264	8	financial	financial	ADJ
fsr-3305	264	9	literacy	literacy	NOUN
fsr-3305	264	10	impacts	impact	VERB
fsr-3305	264	11	one	one	NUM
fsr-3305	264	12	’s	’s	PART
fsr-3305	264	13	motivation	motivation	NOUN
fsr-3305	264	14	to	to	PART
fsr-3305	264	15	seek	seek	VERB
fsr-3305	264	16	professional	professional	ADJ
fsr-3305	264	17	financial	financial	ADJ
fsr-3305	264	18	advice	advice	NOUN
fsr-3305	264	19	which	which	PRON
fsr-3305	264	20	should	should	AUX
fsr-3305	264	21	provide	provide	VERB
fsr-3305	264	22	motivation	motivation	NOUN
fsr-3305	264	23	for	for	ADP
fsr-3305	264	24	industry	industry	NOUN
fsr-3305	264	25	professionals	professional	NOUN
fsr-3305	264	26	to	to	PART
fsr-3305	264	27	promote	promote	VERB
fsr-3305	264	28	financial	financial	ADJ
fsr-3305	264	29	literacy	literacy	NOUN
fsr-3305	264	30	as	as	ADP
fsr-3305	264	31	a	a	DET
fsr-3305	264	32	complement	complement	NOUN
fsr-3305	264	33	rather	rather	ADV
fsr-3305	264	34	than	than	ADP
fsr-3305	264	35	a	a	DET
fsr-3305	264	36	substitute	substitute	NOUN
fsr-3305	264	37	for	for	ADP
fsr-3305	264	38	their	their	PRON
fsr-3305	264	39	services	service	NOUN
fsr-3305	264	40	.	.	PUNCT
fsr-3305	265	1	further	far	ADV
fsr-3305	265	2	,	,	PUNCT
fsr-3305	265	3	industry	industry	NOUN
fsr-3305	265	4	professionals	professional	NOUN
fsr-3305	265	5	along	along	ADP
fsr-3305	265	6	with	with	ADP
fsr-3305	265	7	regulators	regulator	NOUN
fsr-3305	265	8	need	need	VERB
fsr-3305	265	9	to	to	PART
fsr-3305	265	10	modernize	modernize	VERB
fsr-3305	265	11	their	their	PRON
fsr-3305	265	12	communication	communication	NOUN
fsr-3305	265	13	mediums	medium	NOUN
fsr-3305	265	14	to	to	PART
fsr-3305	265	15	include	include	VERB
fsr-3305	265	16	the	the	DET
fsr-3305	265	17	various	various	ADJ
fsr-3305	265	18	social	social	ADJ
fsr-3305	265	19	media	medium	NOUN
fsr-3305	265	20	platforms	platform	NOUN
fsr-3305	265	21	which	which	PRON
fsr-3305	265	22	will	will	AUX
fsr-3305	265	23	allow	allow	VERB
fsr-3305	265	24	them	they	PRON
fsr-3305	265	25	to	to	PART
fsr-3305	265	26	capture	capture	VERB
fsr-3305	265	27	the	the	DET
fsr-3305	265	28	various	various	ADJ
fsr-3305	265	29	personality	personality	NOUN
fsr-3305	265	30	types	type	NOUN
fsr-3305	265	31	of	of	ADP
fsr-3305	265	32	the	the	DET
fsr-3305	265	33	generation	generation	NOUN
fsr-3305	265	34	y	y	PROPN
fsr-3305	265	35	age	age	NOUN
fsr-3305	265	36	cohort	cohort	NOUN
fsr-3305	265	37	.	.	PUNCT
fsr-3305	266	1	notes	note	NOUN
fsr-3305	266	2	1	1	NUM
fsr-3305	266	3	see	see	VERB
fsr-3305	266	4	lusardi	lusardi	NOUN
fsr-3305	266	5	and	and	CCONJ
fsr-3305	266	6	mitchell	mitchell	PROPN
fsr-3305	266	7	(	(	PUNCT
fsr-3305	266	8	2011b	2011b	NUM
fsr-3305	266	9	)	)	PUNCT
fsr-3305	266	10	for	for	ADP
fsr-3305	266	11	a	a	DET
fsr-3305	266	12	detailed	detailed	ADJ
fsr-3305	266	13	list	list	NOUN
fsr-3305	266	14	of	of	ADP
fsr-3305	266	15	literature	literature	NOUN
fsr-3305	266	16	outside	outside	ADP
fsr-3305	266	17	of	of	ADP
fsr-3305	266	18	the	the	DET
fsr-3305	266	19	united	united	PROPN
fsr-3305	266	20	states	states	PROPN
fsr-3305	266	21	.	.	PUNCT
fsr-3305	267	1	156	156	NUM
fsr-3305	267	2	r.n	r.n	PROPN
fsr-3305	267	3	.	.	PROPN
fsr-3305	267	4	killins	killins	PROPN
fsr-3305	267	5	/	/	SYM
fsr-3305	267	6	financial	financial	ADJ
fsr-3305	267	7	services	service	NOUN
fsr-3305	267	8	review	review	VERB
fsr-3305	267	9	26	26	NUM
fsr-3305	267	10	(	(	PUNCT
fsr-3305	267	11	2017	2017	NUM
fsr-3305	267	12	)	)	PUNCT
fsr-3305	267	13	143–165	143–165	NUM
fsr-3305	267	14	2	2	NUM
fsr-3305	267	15	for	for	ADP
fsr-3305	267	16	a	a	DET
fsr-3305	267	17	detailed	detailed	ADJ
fsr-3305	267	18	survey	survey	NOUN
fsr-3305	267	19	of	of	ADP
fsr-3305	267	20	the	the	DET
fsr-3305	267	21	literature	literature	NOUN
fsr-3305	267	22	on	on	ADP
fsr-3305	267	23	these	these	DET
fsr-3305	267	24	see	see	NOUN
fsr-3305	267	25	john	john	PROPN
fsr-3305	267	26	,	,	PUNCT
fsr-3305	267	27	naumann	naumann	PROPN
fsr-3305	267	28	,	,	PUNCT
fsr-3305	267	29	and	and	CCONJ
fsr-3305	267	30	soto	soto	PROPN
fsr-3305	267	31	(	(	PUNCT
fsr-3305	267	32	2008	2008	NUM
fsr-3305	267	33	)	)	PUNCT
fsr-3305	267	34	.	.	PUNCT
fsr-3305	268	1	3	3	NUM
fsr-3305	268	2	although	although	SCONJ
fsr-3305	268	3	widely	widely	ADV
fsr-3305	268	4	accepted	accept	VERB
fsr-3305	268	5	in	in	ADP
fsr-3305	268	6	the	the	DET
fsr-3305	268	7	psychology	psychology	NOUN
fsr-3305	268	8	literature	literature	NOUN
fsr-3305	268	9	,	,	PUNCT
fsr-3305	268	10	alternative	alternative	ADJ
fsr-3305	268	11	approaches	approach	NOUN
fsr-3305	268	12	to	to	ADP
fsr-3305	268	13	the	the	DET
fsr-3305	268	14	big	big	ADJ
fsr-3305	268	15	five	five	NUM
fsr-3305	268	16	approach	approach	NOUN
fsr-3305	268	17	have	have	AUX
fsr-3305	268	18	been	be	AUX
fsr-3305	268	19	put	put	VERB
fsr-3305	268	20	forward	forward	ADV
fsr-3305	268	21	including	include	VERB
fsr-3305	268	22	approaches	approach	NOUN
fsr-3305	268	23	with	with	ADP
fsr-3305	268	24	fewer	few	ADJ
fsr-3305	268	25	than	than	ADP
fsr-3305	268	26	five	five	NUM
fsr-3305	268	27	factors	factor	NOUN
fsr-3305	268	28	and	and	CCONJ
fsr-3305	268	29	approaches	approach	NOUN
fsr-3305	268	30	with	with	ADP
fsr-3305	268	31	more	more	ADJ
fsr-3305	268	32	than	than	ADP
fsr-3305	268	33	five	five	NUM
fsr-3305	268	34	factors	factor	NOUN
fsr-3305	268	35	.	.	PUNCT
fsr-3305	269	1	see	see	VERB
fsr-3305	269	2	almlund	almlund	PROPN
fsr-3305	269	3	,	,	PUNCT
fsr-3305	269	4	duckworth	duckworth	NOUN
fsr-3305	269	5	,	,	PUNCT
fsr-3305	269	6	heckman	heckman	PROPN
fsr-3305	269	7	,	,	PUNCT
fsr-3305	269	8	and	and	CCONJ
fsr-3305	269	9	kautz	kautz	ADJ
fsr-3305	269	10	(	(	PUNCT
fsr-3305	269	11	2011	2011	NUM
fsr-3305	269	12	)	)	PUNCT
fsr-3305	269	13	for	for	ADP
fsr-3305	269	14	a	a	DET
fsr-3305	269	15	discussion	discussion	NOUN
fsr-3305	269	16	of	of	ADP
fsr-3305	269	17	the	the	DET
fsr-3305	269	18	alternatives	alternative	NOUN
fsr-3305	269	19	to	to	ADP
fsr-3305	269	20	and	and	CCONJ
fsr-3305	269	21	criticisms	criticism	NOUN
fsr-3305	269	22	of	of	ADP
fsr-3305	269	23	the	the	DET
fsr-3305	269	24	big	big	ADJ
fsr-3305	269	25	five	five	NUM
fsr-3305	269	26	approach	approach	NOUN
fsr-3305	269	27	that	that	PRON
fsr-3305	269	28	have	have	AUX
fsr-3305	269	29	been	be	AUX
fsr-3305	269	30	put	put	VERB
fsr-3305	269	31	forward	forward	ADV
fsr-3305	269	32	in	in	ADP
fsr-3305	269	33	the	the	DET
fsr-3305	269	34	psychology	psychology	NOUN
fsr-3305	269	35	literature	literature	NOUN
fsr-3305	269	36	.	.	PUNCT
fsr-3305	270	1	4	4	NUM
fsr-3305	270	2	see	see	VERB
fsr-3305	270	3	john	john	PROPN
fsr-3305	270	4	,	,	PUNCT
fsr-3305	270	5	donahue	donahue	PROPN
fsr-3305	270	6	,	,	PUNCT
fsr-3305	270	7	and	and	CCONJ
fsr-3305	270	8	kentle	kentle	NOUN
fsr-3305	270	9	(	(	PUNCT
fsr-3305	270	10	1991	1991	NUM
fsr-3305	270	11	)	)	PUNCT
fsr-3305	270	12	and	and	CCONJ
fsr-3305	270	13	john	john	PROPN
fsr-3305	270	14	et	et	PROPN
fsr-3305	270	15	al	al	PROPN
fsr-3305	270	16	.	.	PROPN
fsr-3305	271	1	(	(	PUNCT
fsr-3305	271	2	2008	2008	NUM
fsr-3305	271	3	)	)	PUNCT
fsr-3305	271	4	for	for	ADP
fsr-3305	271	5	detailed	detailed	ADJ
fsr-3305	271	6	review	review	NOUN
fsr-3305	271	7	of	of	ADP
fsr-3305	271	8	the	the	DET
fsr-3305	271	9	survey	survey	NOUN
fsr-3305	271	10	used	use	VERB
fsr-3305	271	11	and	and	CCONJ
fsr-3305	271	12	analysis	analysis	NOUN
fsr-3305	271	13	of	of	ADP
fsr-3305	271	14	personality	personality	NOUN
fsr-3305	271	15	factors	factor	NOUN
fsr-3305	271	16	.	.	PUNCT
fsr-3305	272	1	5	5	NUM
fsr-3305	272	2	cfsc	cfsc	ADJ
fsr-3305	272	3	survey	survey	NOUN
fsr-3305	272	4	see	see	VERB
fsr-3305	272	5	www.23.statcan.gc.ca/imdb/p2sv.pl?function�getsurvey&sdds	www.23.statcan.gc.ca/imdb/p2sv.pl?function�getsurvey&sdd	VERB
fsr-3305	272	6	�	�	PROPN
fsr-3305	272	7	5159	5159	NUM
fsr-3305	272	8	6	6	NUM
fsr-3305	272	9	the	the	DET
fsr-3305	272	10	desired	desire	VERB
fsr-3305	272	11	ratio	ratio	NOUN
fsr-3305	272	12	of	of	ADP
fsr-3305	272	13	observations	observation	NOUN
fsr-3305	272	14	to	to	ADP
fsr-3305	272	15	independent	independent	ADJ
fsr-3305	272	16	variables	variable	NOUN
fsr-3305	272	17	is	be	AUX
fsr-3305	272	18	15:1	15:1	NUM
fsr-3305	272	19	.	.	PUNCT
fsr-3305	273	1	when	when	SCONJ
fsr-3305	273	2	this	this	DET
fsr-3305	273	3	level	level	NOUN
fsr-3305	273	4	is	be	AUX
fsr-3305	273	5	reached	reach	VERB
fsr-3305	273	6	,	,	PUNCT
fsr-3305	273	7	the	the	DET
fsr-3305	273	8	results	result	NOUN
fsr-3305	273	9	should	should	AUX
fsr-3305	273	10	be	be	AUX
fsr-3305	273	11	generalizable	generalizable	ADJ
fsr-3305	273	12	if	if	SCONJ
fsr-3305	273	13	the	the	PRON
fsr-3305	273	14	is	be	AUX
fsr-3305	273	15	representative	representative	ADJ
fsr-3305	273	16	.	.	PUNCT
fsr-3305	274	1	this	this	DET
fsr-3305	274	2	research	research	NOUN
fsr-3305	274	3	acknowledges	acknowledge	VERB
fsr-3305	274	4	that	that	SCONJ
fsr-3305	274	5	the	the	DET
fsr-3305	274	6	sample	sample	NOUN
fsr-3305	274	7	is	be	AUX
fsr-3305	274	8	representative	representative	NOUN
fsr-3305	274	9	of	of	ADP
fsr-3305	274	10	the	the	DET
fsr-3305	274	11	generation	generation	NOUN
fsr-3305	274	12	y	y	PROPN
fsr-3305	274	13	demographic	demographic	ADJ
fsr-3305	274	14	and	and	CCONJ
fsr-3305	274	15	the	the	DET
fsr-3305	274	16	results	result	NOUN
fsr-3305	274	17	should	should	AUX
fsr-3305	274	18	not	not	PART
fsr-3305	274	19	be	be	AUX
fsr-3305	274	20	applied	apply	VERB
fsr-3305	274	21	to	to	ADP
fsr-3305	274	22	other	other	ADJ
fsr-3305	274	23	age	age	NOUN
fsr-3305	274	24	groups	group	NOUN
fsr-3305	274	25	.	.	PUNCT
fsr-3305	275	1	appendix	appendix	VERB
fsr-3305	275	2	financial	financial	ADJ
fsr-3305	275	3	literacy	literacy	NOUN
fsr-3305	275	4	survey	survey	NOUN
fsr-3305	275	5	thank	thank	VERB
fsr-3305	275	6	you	you	PRON
fsr-3305	275	7	for	for	ADP
fsr-3305	275	8	participating	participate	VERB
fsr-3305	275	9	in	in	ADP
fsr-3305	275	10	our	our	PRON
fsr-3305	275	11	survey	survey	NOUN
fsr-3305	275	12	.	.	PUNCT
fsr-3305	276	1	this	this	DET
fsr-3305	276	2	survey	survey	NOUN
fsr-3305	276	3	is	be	AUX
fsr-3305	276	4	intended	intend	VERB
fsr-3305	276	5	to	to	PART
fsr-3305	276	6	measure	measure	VERB
fsr-3305	276	7	college	college	NOUN
fsr-3305	276	8	students	student	NOUN
fsr-3305	276	9	’	'	PUNCT
fsr-3305	276	10	knowledge	knowledge	NOUN
fsr-3305	276	11	of	of	ADP
fsr-3305	276	12	personal	personal	ADJ
fsr-3305	276	13	finance	finance	NOUN
fsr-3305	276	14	.	.	PUNCT
fsr-3305	277	1	the	the	DET
fsr-3305	277	2	results	result	NOUN
fsr-3305	277	3	will	will	AUX
fsr-3305	277	4	be	be	AUX
fsr-3305	277	5	used	use	VERB
fsr-3305	277	6	to	to	PART
fsr-3305	277	7	help	help	VERB
fsr-3305	277	8	students	student	NOUN
fsr-3305	277	9	improve	improve	VERB
fsr-3305	277	10	their	their	PRON
fsr-3305	277	11	knowledge	knowledge	NOUN
fsr-3305	277	12	and	and	CCONJ
fsr-3305	277	13	colleges	college	NOUN
fsr-3305	277	14	improve	improve	VERB
fsr-3305	277	15	curriculums	curriculum	NOUN
fsr-3305	277	16	.	.	PUNCT
fsr-3305	278	1	please	please	INTJ
fsr-3305	278	2	answer	answer	VERB
fsr-3305	278	3	all	all	DET
fsr-3305	278	4	the	the	DET
fsr-3305	278	5	questions	question	NOUN
fsr-3305	278	6	the	the	DET
fsr-3305	278	7	best	good	ADJ
fsr-3305	278	8	of	of	ADP
fsr-3305	278	9	your	your	PRON
fsr-3305	278	10	ability	ability	NOUN
fsr-3305	278	11	.	.	PUNCT
fsr-3305	279	1	again	again	ADV
fsr-3305	279	2	,	,	PUNCT
fsr-3305	279	3	thank	thank	VERB
fsr-3305	279	4	you	you	PRON
fsr-3305	279	5	for	for	ADP
fsr-3305	279	6	participating	participate	VERB
fsr-3305	279	7	.	.	PUNCT
fsr-3305	280	1	investments	investment	NOUN
fsr-3305	280	2	1	1	NUM
fsr-3305	280	3	.	.	NOUN
fsr-3305	280	4	which	which	PRON
fsr-3305	280	5	of	of	ADP
fsr-3305	280	6	the	the	DET
fsr-3305	280	7	following	follow	VERB
fsr-3305	280	8	investment	investment	NOUN
fsr-3305	280	9	types	type	NOUN
fsr-3305	280	10	carries	carry	VERB
fsr-3305	280	11	the	the	DET
fsr-3305	280	12	most	most	ADJ
fsr-3305	280	13	risk	risk	NOUN
fsr-3305	280	14	?	?	PUNCT
fsr-3305	281	1	a.	a.	NOUN
fsr-3305	281	2	equities	equity	NOUN
fsr-3305	281	3	(	(	PUNCT
fsr-3305	281	4	stocks	stocks	PROPN
fsr-3305	281	5	)	)	PUNCT
fsr-3305	281	6	b.	b.	PROPN
fsr-3305	281	7	short	short	ADJ
fsr-3305	281	8	-	-	PUNCT
fsr-3305	281	9	term	term	NOUN
fsr-3305	281	10	government	government	NOUN
fsr-3305	281	11	bonds	bond	NOUN
fsr-3305	281	12	c.	c.	PROPN
fsr-3305	281	13	grade	grade	PROPN
fsr-3305	281	14	aa	aa	PROPN
fsr-3305	281	15	corporate	corporate	ADJ
fsr-3305	281	16	bonds	bond	NOUN
fsr-3305	281	17	d.	d.	PROPN
fsr-3305	281	18	government	government	PROPN
fsr-3305	281	19	insured	insure	VERB
fsr-3305	281	20	certificates	certificate	NOUN
fsr-3305	281	21	(	(	PUNCT
fsr-3305	281	22	gics	gic	NOUN
fsr-3305	281	23	)	)	PUNCT
fsr-3305	281	24	e.	e.	PROPN
fsr-3305	281	25	balanced	balanced	PROPN
fsr-3305	281	26	canadian	canadian	PROPN
fsr-3305	281	27	mutual	mutual	ADJ
fsr-3305	281	28	fund	fund	NOUN
fsr-3305	281	29	2	2	NUM
fsr-3305	281	30	.	.	NOUN
fsr-3305	281	31	which	which	PRON
fsr-3305	281	32	of	of	ADP
fsr-3305	281	33	the	the	DET
fsr-3305	281	34	following	follow	VERB
fsr-3305	281	35	investment	investment	NOUN
fsr-3305	281	36	types	type	NOUN
fsr-3305	281	37	would	would	AUX
fsr-3305	281	38	offer	offer	VERB
fsr-3305	281	39	the	the	DET
fsr-3305	281	40	highest	high	ADJ
fsr-3305	281	41	expected	expect	VERB
fsr-3305	281	42	return	return	NOUN
fsr-3305	281	43	?	?	PUNCT
fsr-3305	282	1	a.	a.	NOUN
fsr-3305	282	2	grade	grade	NOUN
fsr-3305	282	3	aa	aa	NOUN
fsr-3305	282	4	corporate	corporate	ADJ
fsr-3305	282	5	bonds	bond	NOUN
fsr-3305	282	6	b.	b.	PROPN
fsr-3305	282	7	short	short	ADJ
fsr-3305	282	8	-	-	PUNCT
fsr-3305	282	9	term	term	NOUN
fsr-3305	282	10	government	government	NOUN
fsr-3305	282	11	bonds	bond	NOUN
fsr-3305	282	12	c.	c.	PROPN
fsr-3305	282	13	equities	equities	PROPN
fsr-3305	282	14	(	(	PUNCT
fsr-3305	282	15	stocks	stock	NOUN
fsr-3305	282	16	)	)	PUNCT
fsr-3305	282	17	d.	d.	PROPN
fsr-3305	282	18	balanced	balance	VERB
fsr-3305	282	19	canadian	canadian	PROPN
fsr-3305	282	20	mutual	mutual	ADJ
fsr-3305	282	21	fund	fund	NOUN
fsr-3305	282	22	e.	e.	PROPN
fsr-3305	282	23	government	government	PROPN
fsr-3305	282	24	insured	insure	VERB
fsr-3305	282	25	certificates	certificate	NOUN
fsr-3305	282	26	(	(	PUNCT
fsr-3305	282	27	gics	gic	NOUN
fsr-3305	282	28	)	)	PUNCT
fsr-3305	282	29	157r.n	157r.n	PROPN
fsr-3305	282	30	.	.	PUNCT
fsr-3305	283	1	killins	killins	PROPN
fsr-3305	283	2	/	/	SYM
fsr-3305	283	3	financial	financial	ADJ
fsr-3305	283	4	services	service	NOUN
fsr-3305	283	5	review	review	VERB
fsr-3305	283	6	26	26	NUM
fsr-3305	283	7	(	(	PUNCT
fsr-3305	283	8	2017	2017	NUM
fsr-3305	283	9	)	)	PUNCT
fsr-3305	284	1	143–165	143–165	NUM
fsr-3305	284	2	3	3	NUM
fsr-3305	284	3	.	.	PUNCT
fsr-3305	285	1	what	what	PRON
fsr-3305	285	2	do	do	AUX
fsr-3305	285	3	you	you	PRON
fsr-3305	285	4	think	think	VERB
fsr-3305	285	5	the	the	DET
fsr-3305	285	6	average	average	ADJ
fsr-3305	285	7	yearly	yearly	ADJ
fsr-3305	285	8	return	return	NOUN
fsr-3305	285	9	is	be	AUX
fsr-3305	285	10	on	on	ADP
fsr-3305	285	11	the	the	DET
fsr-3305	285	12	overall	overall	ADJ
fsr-3305	285	13	stock	stock	NOUN
fsr-3305	285	14	market	market	NOUN
fsr-3305	285	15	(	(	PUNCT
fsr-3305	285	16	toronto	toronto	PROPN
fsr-3305	285	17	stock	stock	PROPN
fsr-3305	285	18	exchange	exchange	PROPN
fsr-3305	285	19	)	)	PUNCT
fsr-3305	285	20	?	?	PUNCT
fsr-3305	286	1	a.	a.	NOUN
fsr-3305	286	2	30	30	NUM
fsr-3305	286	3	%	%	NOUN
fsr-3305	286	4	b.	b.	NOUN
fsr-3305	286	5	20	20	NUM
fsr-3305	286	6	%	%	NOUN
fsr-3305	286	7	c.	c.	NOUN
fsr-3305	286	8	2	2	NUM
fsr-3305	286	9	%	%	NOUN
fsr-3305	286	10	d.	d.	NOUN
fsr-3305	286	11	7	7	NUM
fsr-3305	286	12	%	%	NOUN
fsr-3305	286	13	e.	e.	PROPN
fsr-3305	286	14	-5	-5	PROPN
fsr-3305	286	15	%	%	NOUN
fsr-3305	286	16	4	4	NUM
fsr-3305	286	17	.	.	NOUN
fsr-3305	287	1	which	which	PRON
fsr-3305	287	2	of	of	ADP
fsr-3305	287	3	the	the	DET
fsr-3305	287	4	following	following	NOUN
fsr-3305	287	5	is	be	AUX
fsr-3305	287	6	false	false	ADJ
fsr-3305	287	7	?	?	PUNCT
fsr-3305	287	8	a.	a.	NOUN
fsr-3305	287	9	as	as	ADP
fsr-3305	287	10	shareholders	shareholder	NOUN
fsr-3305	287	11	of	of	ADP
fsr-3305	287	12	a	a	DET
fsr-3305	287	13	mutual	mutual	ADJ
fsr-3305	287	14	fund	fund	NOUN
fsr-3305	287	15	,	,	PUNCT
fsr-3305	287	16	you	you	PRON
fsr-3305	287	17	have	have	VERB
fsr-3305	287	18	a	a	DET
fsr-3305	287	19	right	right	NOUN
fsr-3305	287	20	to	to	PART
fsr-3305	287	21	tell	tell	VERB
fsr-3305	287	22	fund	fund	NOUN
fsr-3305	287	23	managers	manager	NOUN
fsr-3305	287	24	what	what	PRON
fsr-3305	287	25	securities	security	NOUN
fsr-3305	287	26	to	to	PART
fsr-3305	287	27	buy	buy	VERB
fsr-3305	287	28	.	.	PUNCT
fsr-3305	288	1	b.	b.	PROPN
fsr-3305	289	1	a	a	DET
fsr-3305	289	2	mutual	mutual	ADJ
fsr-3305	289	3	fund	fund	NOUN
fsr-3305	289	4	is	be	AUX
fsr-3305	289	5	a	a	DET
fsr-3305	289	6	diversified	diversify	VERB
fsr-3305	289	7	collection	collection	NOUN
fsr-3305	289	8	of	of	ADP
fsr-3305	289	9	securities	security	NOUN
fsr-3305	289	10	used	use	VERB
fsr-3305	289	11	as	as	ADP
fsr-3305	289	12	an	an	DET
fsr-3305	289	13	investment	investment	NOUN
fsr-3305	289	14	vehicle	vehicle	NOUN
fsr-3305	289	15	.	.	PUNCT
fsr-3305	290	1	c.	c.	PROPN
fsr-3305	290	2	a	a	DET
fsr-3305	290	3	mutual	mutual	ADJ
fsr-3305	290	4	fund	fund	NOUN
fsr-3305	290	5	is	be	AUX
fsr-3305	290	6	an	an	DET
fsr-3305	290	7	investment	investment	NOUN
fsr-3305	290	8	corporation	corporation	NOUN
fsr-3305	290	9	that	that	PRON
fsr-3305	290	10	raises	raise	VERB
fsr-3305	290	11	funds	fund	NOUN
fsr-3305	290	12	from	from	ADP
fsr-3305	290	13	investors	investor	NOUN
fsr-3305	290	14	and	and	CCONJ
fsr-3305	290	15	purchases	purchase	NOUN
fsr-3305	290	16	securities	security	NOUN
fsr-3305	290	17	.	.	PUNCT
fsr-3305	291	1	d.	d.	PROPN
fsr-3305	291	2	your	your	PRON
fsr-3305	291	3	ownership	ownership	NOUN
fsr-3305	291	4	in	in	ADP
fsr-3305	291	5	a	a	DET
fsr-3305	291	6	mutual	mutual	ADJ
fsr-3305	291	7	fund	fund	NOUN
fsr-3305	291	8	is	be	AUX
fsr-3305	291	9	proportional	proportional	ADJ
fsr-3305	291	10	to	to	ADP
fsr-3305	291	11	the	the	DET
fsr-3305	291	12	number	number	NOUN
fsr-3305	291	13	of	of	ADP
fsr-3305	291	14	shares	share	NOUN
fsr-3305	291	15	you	you	PRON
fsr-3305	291	16	own	own	VERB
fsr-3305	291	17	in	in	ADP
fsr-3305	291	18	the	the	DET
fsr-3305	291	19	fund	fund	NOUN
fsr-3305	291	20	.	.	PUNCT
fsr-3305	292	1	5	5	X
fsr-3305	292	2	.	.	X
fsr-3305	292	3	a	a	DET
fsr-3305	292	4	dividend	dividend	NOUN
fsr-3305	292	5	is	be	AUX
fsr-3305	292	6	,	,	PUNCT
fsr-3305	292	7	a.	a.	NOUN
fsr-3305	292	8	distributions	distribution	NOUN
fsr-3305	292	9	paid	pay	VERB
fsr-3305	292	10	to	to	ADP
fsr-3305	292	11	bond	bond	NOUN
fsr-3305	292	12	-	-	PUNCT
fsr-3305	292	13	holders	holder	NOUN
fsr-3305	292	14	b.	b.	PROPN
fsr-3305	292	15	distributions	distribution	NOUN
fsr-3305	292	16	paid	pay	VERB
fsr-3305	292	17	to	to	ADP
fsr-3305	292	18	executives	executive	NOUN
fsr-3305	292	19	c.	c.	PROPN
fsr-3305	292	20	distributions	distribution	NOUN
fsr-3305	292	21	paid	pay	VERB
fsr-3305	292	22	to	to	ADP
fsr-3305	292	23	equity(stock	equity(stock	PROPN
fsr-3305	292	24	)	)	PUNCT
fsr-3305	292	25	holders	holder	NOUN
fsr-3305	292	26	d.	d.	PROPN
fsr-3305	292	27	distributions	distribution	NOUN
fsr-3305	292	28	paid	pay	VERB
fsr-3305	292	29	from	from	ADP
fsr-3305	292	30	derivatives	derivative	NOUN
fsr-3305	292	31	budgeting	budgeting	NOUN
fsr-3305	292	32	(	(	PUNCT
fsr-3305	292	33	savings	saving	NOUN
fsr-3305	292	34	and	and	CCONJ
fsr-3305	292	35	borrowing	borrowing	NOUN
fsr-3305	292	36	)	)	PUNCT
fsr-3305	292	37	6	6	NUM
fsr-3305	292	38	.	.	NOUN
fsr-3305	293	1	which	which	PRON
fsr-3305	293	2	of	of	ADP
fsr-3305	293	3	the	the	DET
fsr-3305	293	4	following	following	NOUN
fsr-3305	293	5	can	can	AUX
fsr-3305	293	6	hurt	hurt	VERB
fsr-3305	293	7	your	your	PRON
fsr-3305	293	8	credit	credit	NOUN
fsr-3305	293	9	rating	rating	NOUN
fsr-3305	293	10	?	?	PUNCT
fsr-3305	294	1	a.	a.	NOUN
fsr-3305	294	2	making	make	VERB
fsr-3305	294	3	late	late	ADJ
fsr-3305	294	4	payments	payment	NOUN
fsr-3305	294	5	on	on	ADP
fsr-3305	294	6	loans	loan	NOUN
fsr-3305	294	7	and	and	CCONJ
fsr-3305	294	8	debts	debt	NOUN
fsr-3305	294	9	b.	b.	PROPN
fsr-3305	294	10	staying	stay	VERB
fsr-3305	294	11	in	in	ADP
fsr-3305	294	12	one	one	NUM
fsr-3305	294	13	job	job	NOUN
fsr-3305	294	14	too	too	ADV
fsr-3305	294	15	long	long	ADJ
fsr-3305	294	16	c.	c.	NOUN
fsr-3305	294	17	living	live	VERB
fsr-3305	294	18	in	in	ADP
fsr-3305	294	19	the	the	DET
fsr-3305	294	20	same	same	ADJ
fsr-3305	294	21	location	location	NOUN
fsr-3305	294	22	too	too	ADV
fsr-3305	294	23	long	long	ADV
fsr-3305	295	1	d.	d.	PROPN
fsr-3305	295	2	using	use	VERB
fsr-3305	295	3	your	your	PRON
fsr-3305	295	4	credit	credit	NOUN
fsr-3305	295	5	card	card	NOUN
fsr-3305	295	6	frequently	frequently	ADV
fsr-3305	295	7	for	for	ADP
fsr-3305	295	8	purchases	purchase	NOUN
fsr-3305	295	9	7	7	NUM
fsr-3305	295	10	.	.	PUNCT
fsr-3305	296	1	what	what	PRON
fsr-3305	296	2	can	can	AUX
fsr-3305	296	3	affect	affect	VERB
fsr-3305	296	4	the	the	DET
fsr-3305	296	5	amount	amount	NOUN
fsr-3305	296	6	of	of	ADP
fsr-3305	296	7	interest	interest	NOUN
fsr-3305	296	8	that	that	PRON
fsr-3305	296	9	you	you	PRON
fsr-3305	296	10	would	would	AUX
fsr-3305	296	11	pay	pay	VERB
fsr-3305	296	12	on	on	ADP
fsr-3305	296	13	a	a	DET
fsr-3305	296	14	loan	loan	NOUN
fsr-3305	296	15	?	?	PUNCT
fsr-3305	297	1	a.	a.	NOUN
fsr-3305	297	2	your	your	PRON
fsr-3305	297	3	credit	credit	NOUN
fsr-3305	297	4	rating	rating	NOUN
fsr-3305	297	5	b.	b.	PROPN
fsr-3305	297	6	how	how	SCONJ
fsr-3305	297	7	much	much	ADJ
fsr-3305	297	8	you	you	PRON
fsr-3305	297	9	borrow	borrow	VERB
fsr-3305	297	10	c.	c.	NOUN
fsr-3305	298	1	how	how	SCONJ
fsr-3305	298	2	long	long	ADV
fsr-3305	298	3	you	you	PRON
fsr-3305	298	4	take	take	VERB
fsr-3305	298	5	to	to	PART
fsr-3305	298	6	repay	repay	VERB
fsr-3305	298	7	the	the	DET
fsr-3305	298	8	loan	loan	NOUN
fsr-3305	298	9	d.	d.	PROPN
fsr-3305	298	10	all	all	PRON
fsr-3305	298	11	of	of	ADP
fsr-3305	298	12	the	the	DET
fsr-3305	298	13	above	above	ADP
fsr-3305	298	14	8	8	NUM
fsr-3305	298	15	.	.	PUNCT
fsr-3305	299	1	which	which	PRON
fsr-3305	299	2	of	of	ADP
fsr-3305	299	3	the	the	DET
fsr-3305	299	4	following	following	NOUN
fsr-3305	299	5	will	will	AUX
fsr-3305	299	6	help	help	VERB
fsr-3305	299	7	lower	lower	VERB
fsr-3305	299	8	the	the	DET
fsr-3305	299	9	cost	cost	NOUN
fsr-3305	299	10	of	of	ADP
fsr-3305	299	11	a	a	DET
fsr-3305	299	12	house	house	NOUN
fsr-3305	299	13	?	?	PUNCT
fsr-3305	300	1	a.	a.	NOUN
fsr-3305	300	2	paying	pay	VERB
fsr-3305	300	3	off	off	ADP
fsr-3305	300	4	the	the	DET
fsr-3305	300	5	mortgage	mortgage	NOUN
fsr-3305	300	6	over	over	ADP
fsr-3305	300	7	a	a	DET
fsr-3305	300	8	long	long	ADJ
fsr-3305	300	9	period	period	NOUN
fsr-3305	300	10	of	of	ADP
fsr-3305	300	11	time	time	NOUN
fsr-3305	300	12	b.	b.	PROPN
fsr-3305	300	13	agreeing	agree	VERB
fsr-3305	300	14	to	to	PART
fsr-3305	300	15	pay	pay	VERB
fsr-3305	300	16	the	the	DET
fsr-3305	300	17	current	current	ADJ
fsr-3305	300	18	rate	rate	NOUN
fsr-3305	300	19	of	of	ADP
fsr-3305	300	20	interest	interest	NOUN
fsr-3305	300	21	on	on	ADP
fsr-3305	300	22	the	the	DET
fsr-3305	300	23	mortgage	mortgage	NOUN
fsr-3305	300	24	for	for	ADP
fsr-3305	300	25	as	as	ADV
fsr-3305	300	26	many	many	ADJ
fsr-3305	300	27	years	year	NOUN
fsr-3305	300	28	as	as	ADP
fsr-3305	300	29	possible	possible	ADJ
fsr-3305	300	30	c.	c.	NOUN
fsr-3305	300	31	making	make	VERB
fsr-3305	300	32	a	a	DET
fsr-3305	300	33	larger	large	ADJ
fsr-3305	300	34	down	down	ADP
fsr-3305	300	35	payment	payment	NOUN
fsr-3305	300	36	at	at	ADP
fsr-3305	300	37	the	the	DET
fsr-3305	300	38	time	time	NOUN
fsr-3305	300	39	of	of	ADP
fsr-3305	300	40	purchase	purchase	NOUN
fsr-3305	300	41	d.	d.	NOUN
fsr-3305	300	42	making	make	VERB
fsr-3305	300	43	a	a	DET
fsr-3305	300	44	smaller	small	ADJ
fsr-3305	300	45	down	down	ADJ
fsr-3305	300	46	payment	payment	NOUN
fsr-3305	300	47	at	at	ADP
fsr-3305	300	48	the	the	DET
fsr-3305	300	49	time	time	NOUN
fsr-3305	300	50	of	of	ADP
fsr-3305	300	51	purchase	purchase	NOUN
fsr-3305	300	52	9	9	NUM
fsr-3305	300	53	.	.	PUNCT
fsr-3305	301	1	your	your	PRON
fsr-3305	301	2	savings	savings	NOUN
fsr-3305	301	3	accounts	account	NOUN
fsr-3305	301	4	in	in	ADP
fsr-3305	301	5	a	a	DET
fsr-3305	301	6	federally	federally	ADV
fsr-3305	301	7	insured	insure	VERB
fsr-3305	301	8	commercial	commercial	ADJ
fsr-3305	301	9	bank	bank	NOUN
fsr-3305	301	10	are	be	AUX
fsr-3305	301	11	insured	insure	VERB
fsr-3305	301	12	by	by	ADP
fsr-3305	301	13	a.	a.	NOUN
fsr-3305	301	14	boc	boc	NOUN
fsr-3305	301	15	to	to	ADP
fsr-3305	301	16	the	the	DET
fsr-3305	301	17	maximum	maximum	ADJ
fsr-3305	301	18	amount	amount	NOUN
fsr-3305	301	19	of	of	ADP
fsr-3305	301	20	$	$	SYM
fsr-3305	301	21	10,000	10,000	NUM
fsr-3305	301	22	per	per	ADP
fsr-3305	301	23	account	account	NOUN
fsr-3305	301	24	.	.	PUNCT
fsr-3305	302	1	158	158	NUM
fsr-3305	302	2	r.n	r.n	PROPN
fsr-3305	302	3	.	.	PROPN
fsr-3305	302	4	killins	killins	PROPN
fsr-3305	302	5	/	/	SYM
fsr-3305	302	6	financial	financial	ADJ
fsr-3305	302	7	services	service	NOUN
fsr-3305	302	8	review	review	VERB
fsr-3305	302	9	26	26	NUM
fsr-3305	302	10	(	(	PUNCT
fsr-3305	302	11	2017	2017	NUM
fsr-3305	302	12	)	)	PUNCT
fsr-3305	302	13	143–165	143–165	NUM
fsr-3305	302	14	b.	b.	PROPN
fsr-3305	302	15	cdic	cdic	NOUN
fsr-3305	302	16	to	to	ADP
fsr-3305	302	17	the	the	DET
fsr-3305	302	18	maximum	maximum	ADJ
fsr-3305	302	19	amount	amount	NOUN
fsr-3305	302	20	of	of	ADP
fsr-3305	302	21	$	$	SYM
fsr-3305	302	22	100,000	100,000	NUM
fsr-3305	302	23	.	.	PUNCT
fsr-3305	303	1	c.	c.	PROPN
fsr-3305	303	2	cdic	cdic	PROPN
fsr-3305	303	3	to	to	ADP
fsr-3305	303	4	the	the	DET
fsr-3305	303	5	maximum	maximum	ADJ
fsr-3305	303	6	amount	amount	NOUN
fsr-3305	303	7	of	of	ADP
fsr-3305	303	8	$	$	SYM
fsr-3305	303	9	50,000	50,000	NUM
fsr-3305	303	10	per	per	ADP
fsr-3305	303	11	account	account	NOUN
fsr-3305	303	12	.	.	PUNCT
fsr-3305	304	1	d.	d.	PROPN
fsr-3305	304	2	boc	boc	PROPN
fsr-3305	304	3	to	to	ADP
fsr-3305	304	4	the	the	DET
fsr-3305	304	5	maximum	maximum	ADJ
fsr-3305	304	6	amount	amount	NOUN
fsr-3305	304	7	of	of	ADP
fsr-3305	304	8	$	$	SYM
fsr-3305	304	9	100,000	100,000	NUM
fsr-3305	304	10	.	.	PUNCT
fsr-3305	305	1	10	10	NUM
fsr-3305	305	2	.	.	PUNCT
fsr-3305	306	1	if	if	SCONJ
fsr-3305	306	2	you	you	PRON
fsr-3305	306	3	invest	invest	VERB
fsr-3305	306	4	$	$	SYM
fsr-3305	306	5	1,000	1,000	NUM
fsr-3305	306	6	today	today	NOUN
fsr-3305	306	7	at	at	ADP
fsr-3305	306	8	4	4	NUM
fsr-3305	306	9	%	%	NOUN
fsr-3305	306	10	for	for	ADP
fsr-3305	306	11	a	a	DET
fsr-3305	306	12	year	year	NOUN
fsr-3305	306	13	,	,	PUNCT
fsr-3305	306	14	your	your	PRON
fsr-3305	306	15	balance	balance	NOUN
fsr-3305	306	16	in	in	ADP
fsr-3305	306	17	a	a	DET
fsr-3305	306	18	year	year	NOUN
fsr-3305	306	19	will	will	AUX
fsr-3305	306	20	be	be	AUX
fsr-3305	306	21	a.	a.	NOUN
fsr-3305	306	22	higher	high	ADJ
fsr-3305	306	23	if	if	SCONJ
fsr-3305	306	24	the	the	DET
fsr-3305	306	25	interest	interest	NOUN
fsr-3305	306	26	is	be	AUX
fsr-3305	306	27	compounded	compound	VERB
fsr-3305	306	28	daily	daily	ADV
fsr-3305	306	29	rather	rather	ADV
fsr-3305	306	30	than	than	ADP
fsr-3305	306	31	monthly	monthly	ADV
fsr-3305	306	32	.	.	PUNCT
fsr-3305	307	1	b.	b.	PROPN
fsr-3305	307	2	higher	high	ADJ
fsr-3305	307	3	if	if	SCONJ
fsr-3305	307	4	the	the	DET
fsr-3305	307	5	interest	interest	NOUN
fsr-3305	307	6	is	be	AUX
fsr-3305	307	7	compounded	compound	VERB
fsr-3305	307	8	quarterly	quarterly	ADV
fsr-3305	307	9	rather	rather	ADV
fsr-3305	307	10	than	than	ADP
fsr-3305	307	11	weekly	weekly	ADJ
fsr-3305	307	12	.	.	PUNCT
fsr-3305	308	1	c.	c.	PROPN
fsr-3305	308	2	higher	higher	ADV
fsr-3305	308	3	if	if	SCONJ
fsr-3305	308	4	the	the	DET
fsr-3305	308	5	interest	interest	NOUN
fsr-3305	308	6	is	be	AUX
fsr-3305	308	7	compounded	compound	VERB
fsr-3305	308	8	yearly	yearly	ADV
fsr-3305	308	9	rather	rather	ADV
fsr-3305	308	10	than	than	ADP
fsr-3305	308	11	quarterly	quarterly	ADV
fsr-3305	308	12	.	.	PUNCT
fsr-3305	309	1	d.	d.	PROPN
fsr-3305	309	2	$	$	SYM
fsr-3305	309	3	1,040	1,040	NUM
fsr-3305	309	4	no	no	ADV
fsr-3305	309	5	matter	matter	ADV
fsr-3305	309	6	how	how	SCONJ
fsr-3305	309	7	the	the	DET
fsr-3305	309	8	interest	interest	NOUN
fsr-3305	309	9	is	be	AUX
fsr-3305	309	10	computed	compute	VERB
fsr-3305	309	11	.	.	PUNCT
fsr-3305	310	1	e.	e.	PROPN
fsr-3305	310	2	$	$	SYM
fsr-3305	310	3	1,000	1,000	NUM
fsr-3305	310	4	no	no	ADV
fsr-3305	310	5	matter	matter	ADV
fsr-3305	310	6	how	how	SCONJ
fsr-3305	310	7	the	the	DET
fsr-3305	310	8	interest	interest	NOUN
fsr-3305	310	9	is	be	AUX
fsr-3305	310	10	computed	compute	VERB
fsr-3305	310	11	.	.	PUNCT
fsr-3305	311	1	11	11	NUM
fsr-3305	311	2	.	.	X
fsr-3305	311	3	which	which	PRON
fsr-3305	311	4	is	be	AUX
fsr-3305	311	5	false	false	ADJ
fsr-3305	311	6	concerning	concern	VERB
fsr-3305	311	7	credit	credit	NOUN
fsr-3305	311	8	cards	card	NOUN
fsr-3305	311	9	?	?	PUNCT
fsr-3305	312	1	a.	a.	NOUN
fsr-3305	312	2	you	you	PRON
fsr-3305	312	3	can	can	AUX
fsr-3305	312	4	use	use	VERB
fsr-3305	312	5	your	your	PRON
fsr-3305	312	6	credit	credit	NOUN
fsr-3305	312	7	card	card	NOUN
fsr-3305	312	8	to	to	PART
fsr-3305	312	9	receive	receive	VERB
fsr-3305	312	10	a	a	DET
fsr-3305	312	11	cash	cash	NOUN
fsr-3305	312	12	advance	advance	NOUN
fsr-3305	312	13	.	.	PUNCT
fsr-3305	313	1	b.	b.	PROPN
fsr-3305	314	1	if	if	SCONJ
fsr-3305	314	2	your	your	PRON
fsr-3305	314	3	credit	credit	NOUN
fsr-3305	314	4	card	card	NOUN
fsr-3305	314	5	balance	balance	NOUN
fsr-3305	314	6	is	be	AUX
fsr-3305	314	7	$	$	SYM
fsr-3305	314	8	1,000	1,000	NUM
fsr-3305	314	9	and	and	CCONJ
fsr-3305	314	10	you	you	PRON
fsr-3305	314	11	pay	pay	VERB
fsr-3305	314	12	$	$	SYM
fsr-3305	314	13	300	300	NUM
fsr-3305	314	14	,	,	PUNCT
fsr-3305	314	15	interest	interest	NOUN
fsr-3305	314	16	is	be	AUX
fsr-3305	314	17	charged	charge	VERB
fsr-3305	314	18	on	on	ADP
fsr-3305	314	19	the	the	DET
fsr-3305	314	20	unpaid	unpaid	ADJ
fsr-3305	314	21	balance	balance	NOUN
fsr-3305	314	22	of	of	ADP
fsr-3305	314	23	$	$	SYM
fsr-3305	314	24	700	700	NUM
fsr-3305	314	25	.	.	PUNCT
fsr-3305	315	1	c.	c.	NOUN
fsr-3305	315	2	the	the	DET
fsr-3305	315	3	rate	rate	NOUN
fsr-3305	315	4	of	of	ADP
fsr-3305	315	5	interest	interest	NOUN
fsr-3305	315	6	on	on	ADP
fsr-3305	315	7	your	your	PRON
fsr-3305	315	8	credit	credit	NOUN
fsr-3305	315	9	card	card	NOUN
fsr-3305	315	10	is	be	AUX
fsr-3305	315	11	normally	normally	ADV
fsr-3305	315	12	higher	high	ADJ
fsr-3305	315	13	than	than	SCONJ
fsr-3305	315	14	you	you	PRON
fsr-3305	315	15	can	can	AUX
fsr-3305	315	16	earn	earn	VERB
fsr-3305	315	17	on	on	ADP
fsr-3305	315	18	a	a	DET
fsr-3305	315	19	savings	saving	NOUN
fsr-3305	315	20	account	account	NOUN
fsr-3305	315	21	.	.	PUNCT
fsr-3305	316	1	d.	d.	PROPN
fsr-3305	316	2	a	a	DET
fsr-3305	316	3	credit	credit	NOUN
fsr-3305	316	4	card	card	NOUN
fsr-3305	316	5	company	company	NOUN
fsr-3305	316	6	will	will	AUX
fsr-3305	316	7	not	not	PART
fsr-3305	316	8	charge	charge	VERB
fsr-3305	316	9	you	you	PRON
fsr-3305	316	10	interest	interest	NOUN
fsr-3305	316	11	if	if	SCONJ
fsr-3305	316	12	you	you	PRON
fsr-3305	316	13	pay	pay	VERB
fsr-3305	316	14	off	off	ADP
fsr-3305	316	15	the	the	DET
fsr-3305	316	16	entire	entire	ADJ
fsr-3305	316	17	balance	balance	NOUN
fsr-3305	316	18	by	by	ADP
fsr-3305	316	19	the	the	DET
fsr-3305	316	20	due	due	ADJ
fsr-3305	316	21	date	date	NOUN
fsr-3305	316	22	.	.	PUNCT
fsr-3305	317	1	economics	economic	NOUN
fsr-3305	317	2	12	12	NUM
fsr-3305	317	3	.	.	PUNCT
fsr-3305	318	1	what	what	PRON
fsr-3305	318	2	is	be	AUX
fsr-3305	318	3	inflation	inflation	NOUN
fsr-3305	318	4	?	?	PUNCT
fsr-3305	319	1	a.	a.	NOUN
fsr-3305	320	1	the	the	DET
fsr-3305	320	2	rate	rate	NOUN
fsr-3305	320	3	at	at	ADP
fsr-3305	320	4	which	which	PRON
fsr-3305	320	5	the	the	DET
fsr-3305	320	6	country	country	NOUN
fsr-3305	320	7	’s	’s	PART
fsr-3305	320	8	exports	export	NOUN
fsr-3305	320	9	grow	grow	VERB
fsr-3305	320	10	b.	b.	PROPN
fsr-3305	320	11	the	the	DET
fsr-3305	320	12	rate	rate	NOUN
fsr-3305	320	13	at	at	ADP
fsr-3305	320	14	of	of	ADP
fsr-3305	320	15	unemployment	unemployment	NOUN
fsr-3305	320	16	in	in	ADP
fsr-3305	320	17	the	the	DET
fsr-3305	320	18	country	country	NOUN
fsr-3305	320	19	c.	c.	NOUN
fsr-3305	321	1	the	the	DET
fsr-3305	321	2	rate	rate	NOUN
fsr-3305	321	3	at	at	ADP
fsr-3305	321	4	which	which	PRON
fsr-3305	321	5	the	the	DET
fsr-3305	321	6	average	average	ADJ
fsr-3305	321	7	price	price	NOUN
fsr-3305	321	8	level	level	NOUN
fsr-3305	321	9	of	of	ADP
fsr-3305	321	10	goods	good	NOUN
fsr-3305	321	11	and	and	CCONJ
fsr-3305	321	12	services	service	NOUN
fsr-3305	321	13	changes	change	NOUN
fsr-3305	321	14	d.	d.	PROPN
fsr-3305	321	15	the	the	DET
fsr-3305	321	16	rate	rate	NOUN
fsr-3305	321	17	at	at	ADP
fsr-3305	321	18	which	which	PRON
fsr-3305	321	19	the	the	DET
fsr-3305	321	20	stock	stock	NOUN
fsr-3305	321	21	market	market	NOUN
fsr-3305	321	22	grows	grow	VERB
fsr-3305	321	23	13	13	NUM
fsr-3305	321	24	.	.	PUNCT
fsr-3305	322	1	how	how	SCONJ
fsr-3305	322	2	do	do	AUX
fsr-3305	322	3	economists	economist	NOUN
fsr-3305	322	4	classify	classify	VERB
fsr-3305	322	5	a	a	DET
fsr-3305	322	6	recession	recession	NOUN
fsr-3305	322	7	?	?	PUNCT
fsr-3305	323	1	a.	a.	NOUN
fsr-3305	323	2	two	two	NUM
fsr-3305	323	3	negative	negative	ADJ
fsr-3305	323	4	quarters	quarter	NOUN
fsr-3305	323	5	of	of	ADP
fsr-3305	323	6	gdp	gdp	NOUN
fsr-3305	323	7	growth	growth	PROPN
fsr-3305	323	8	b.	b.	PROPN
fsr-3305	324	1	unemployment	unemployment	NOUN
fsr-3305	324	2	reaches	reach	VERB
fsr-3305	324	3	10	10	NUM
fsr-3305	324	4	%	%	NOUN
fsr-3305	324	5	c.	c.	NOUN
fsr-3305	324	6	unemployment	unemployment	NOUN
fsr-3305	324	7	and	and	CCONJ
fsr-3305	324	8	inflation	inflation	NOUN
fsr-3305	324	9	both	both	PRON
fsr-3305	324	10	rise	rise	VERB
fsr-3305	324	11	d.	d.	PROPN
fsr-3305	324	12	one	one	NUM
fsr-3305	324	13	(	(	PUNCT
fsr-3305	324	14	1	1	NUM
fsr-3305	324	15	)	)	PUNCT
fsr-3305	324	16	month	month	NOUN
fsr-3305	324	17	of	of	ADP
fsr-3305	324	18	negative	negative	ADJ
fsr-3305	324	19	gdp	gdp	NOUN
fsr-3305	324	20	growth	growth	NOUN
fsr-3305	324	21	14	14	NUM
fsr-3305	324	22	.	.	PUNCT
fsr-3305	325	1	when	when	SCONJ
fsr-3305	325	2	the	the	DET
fsr-3305	325	3	central	central	ADJ
fsr-3305	325	4	bank	bank	PROPN
fsr-3305	325	5	of	of	ADP
fsr-3305	325	6	canada	canada	PROPN
fsr-3305	325	7	(	(	PUNCT
fsr-3305	325	8	the	the	DET
fsr-3305	325	9	bank	bank	PROPN
fsr-3305	325	10	of	of	ADP
fsr-3305	325	11	canada	canada	PROPN
fsr-3305	325	12	)	)	PUNCT
fsr-3305	325	13	raises	raise	VERB
fsr-3305	325	14	its	its	PRON
fsr-3305	325	15	interest	interest	NOUN
fsr-3305	325	16	rate	rate	NOUN
fsr-3305	325	17	how	how	SCONJ
fsr-3305	325	18	does	do	AUX
fsr-3305	325	19	this	this	PRON
fsr-3305	325	20	affect	affect	VERB
fsr-3305	325	21	you	you	PRON
fsr-3305	325	22	?	?	PUNCT
fsr-3305	326	1	a.	a.	NOUN
fsr-3305	326	2	makes	make	VERB
fsr-3305	326	3	my	my	PRON
fsr-3305	326	4	investments	investment	NOUN
fsr-3305	326	5	more	more	ADV
fsr-3305	326	6	profitable	profitable	ADJ
fsr-3305	326	7	b.	b.	PROPN
fsr-3305	326	8	makes	make	VERB
fsr-3305	326	9	my	my	PRON
fsr-3305	326	10	loans	loan	NOUN
fsr-3305	326	11	or	or	CCONJ
fsr-3305	326	12	mortgage	mortgage	NOUN
fsr-3305	326	13	more	more	ADJ
fsr-3305	326	14	affordable	affordable	ADJ
fsr-3305	326	15	c.	c.	NOUN
fsr-3305	326	16	makes	make	VERB
fsr-3305	326	17	my	my	PRON
fsr-3305	326	18	loans	loan	NOUN
fsr-3305	326	19	or	or	CCONJ
fsr-3305	326	20	mortgages	mortgage	NOUN
fsr-3305	326	21	more	more	ADV
fsr-3305	326	22	expensive	expensive	ADJ
fsr-3305	326	23	d.	d.	NOUN
fsr-3305	326	24	increases	increase	VERB
fsr-3305	326	25	inflation	inflation	NOUN
fsr-3305	326	26	and	and	CCONJ
fsr-3305	326	27	make	make	VERB
fsr-3305	326	28	products	product	NOUN
fsr-3305	326	29	and	and	CCONJ
fsr-3305	326	30	services	service	NOUN
fsr-3305	326	31	more	more	ADV
fsr-3305	326	32	expensive	expensive	ADJ
fsr-3305	326	33	15	15	NUM
fsr-3305	326	34	.	.	PUNCT
fsr-3305	327	1	as	as	SCONJ
fsr-3305	327	2	the	the	DET
fsr-3305	327	3	canadian	canadian	ADJ
fsr-3305	327	4	dollar	dollar	NOUN
fsr-3305	327	5	falls	fall	VERB
fsr-3305	327	6	in	in	ADP
fsr-3305	327	7	value	value	NOUN
fsr-3305	327	8	compared	compare	VERB
fsr-3305	327	9	to	to	ADP
fsr-3305	327	10	u.s	u.s	PROPN
fsr-3305	327	11	.	.	PROPN
fsr-3305	327	12	dollar	dollar	NOUN
fsr-3305	327	13	what	what	DET
fsr-3305	327	14	impact	impact	NOUN
fsr-3305	327	15	does	do	AUX
fsr-3305	327	16	that	that	PRON
fsr-3305	327	17	have	have	VERB
fsr-3305	327	18	on	on	ADP
fsr-3305	327	19	domestic	domestic	ADJ
fsr-3305	327	20	(	(	PUNCT
fsr-3305	327	21	canadian	canadian	ADJ
fsr-3305	327	22	)	)	PUNCT
fsr-3305	327	23	prices	price	NOUN
fsr-3305	327	24	?	?	PUNCT
fsr-3305	328	1	a.	a.	NOUN
fsr-3305	328	2	makes	make	VERB
fsr-3305	328	3	goods	good	NOUN
fsr-3305	328	4	and	and	CCONJ
fsr-3305	328	5	services	service	NOUN
fsr-3305	328	6	more	more	ADV
fsr-3305	328	7	expensive	expensive	ADJ
fsr-3305	328	8	b.	b.	PROPN
fsr-3305	328	9	makes	make	VERB
fsr-3305	328	10	goods	good	NOUN
fsr-3305	328	11	and	and	CCONJ
fsr-3305	328	12	services	service	NOUN
fsr-3305	328	13	less	less	ADV
fsr-3305	328	14	costly	costly	ADJ
fsr-3305	328	15	c.	c.	NOUN
fsr-3305	328	16	has	have	VERB
fsr-3305	328	17	no	no	DET
fsr-3305	328	18	direct	direct	ADJ
fsr-3305	328	19	effect	effect	NOUN
fsr-3305	328	20	159r.n	159r.n	NUM
fsr-3305	328	21	.	.	PUNCT
fsr-3305	329	1	killins	killins	PROPN
fsr-3305	329	2	/	/	SYM
fsr-3305	329	3	financial	financial	ADJ
fsr-3305	329	4	services	service	NOUN
fsr-3305	329	5	review	review	VERB
fsr-3305	329	6	26	26	NUM
fsr-3305	329	7	(	(	PUNCT
fsr-3305	329	8	2017	2017	NUM
fsr-3305	329	9	)	)	PUNCT
fsr-3305	329	10	143–165	143–165	NUM
fsr-3305	329	11	d.	d.	NOUN
fsr-3305	329	12	prices	price	NOUN
fsr-3305	329	13	will	will	AUX
fsr-3305	329	14	go	go	VERB
fsr-3305	329	15	up	up	ADP
fsr-3305	329	16	and	and	CCONJ
fsr-3305	329	17	then	then	ADV
fsr-3305	329	18	go	go	VERB
fsr-3305	329	19	down	down	ADV
fsr-3305	329	20	16	16	NUM
fsr-3305	329	21	.	.	PUNCT
fsr-3305	330	1	if	if	SCONJ
fsr-3305	330	2	the	the	DET
fsr-3305	330	3	inflation	inflation	NOUN
fsr-3305	330	4	rate	rate	NOUN
fsr-3305	330	5	was	be	AUX
fsr-3305	330	6	6	6	NUM
fsr-3305	330	7	%	%	NOUN
fsr-3305	330	8	and	and	CCONJ
fsr-3305	330	9	you	you	PRON
fsr-3305	330	10	made	make	VERB
fsr-3305	330	11	a	a	DET
fsr-3305	330	12	5	5	NUM
fsr-3305	330	13	%	%	NOUN
fsr-3305	330	14	return	return	NOUN
fsr-3305	330	15	on	on	ADP
fsr-3305	330	16	your	your	PRON
fsr-3305	330	17	investment	investment	NOUN
fsr-3305	330	18	in	in	ADP
fsr-3305	330	19	the	the	DET
fsr-3305	330	20	past	past	ADJ
fsr-3305	330	21	year	year	NOUN
fsr-3305	330	22	you	you	PRON
fsr-3305	330	23	would	would	AUX
fsr-3305	330	24	have	have	VERB
fsr-3305	330	25	more	more	ADJ
fsr-3305	330	26	purchasing	purchasing	NOUN
fsr-3305	330	27	power	power	NOUN
fsr-3305	330	28	now	now	ADV
fsr-3305	330	29	than	than	ADP
fsr-3305	330	30	at	at	ADP
fsr-3305	330	31	the	the	DET
fsr-3305	330	32	beginning	beginning	NOUN
fsr-3305	330	33	of	of	ADP
fsr-3305	330	34	the	the	DET
fsr-3305	330	35	year	year	NOUN
fsr-3305	330	36	?	?	PUNCT
fsr-3305	331	1	a.	a.	PROPN
fsr-3305	331	2	true	true	PROPN
fsr-3305	331	3	b.	b.	PROPN
fsr-3305	331	4	false	false	ADJ
fsr-3305	331	5	17	17	NUM
fsr-3305	331	6	.	.	PUNCT
fsr-3305	332	1	if	if	SCONJ
fsr-3305	332	2	interest	interest	NOUN
fsr-3305	332	3	rates	rate	NOUN
fsr-3305	332	4	rise	rise	VERB
fsr-3305	332	5	,	,	PUNCT
fsr-3305	332	6	the	the	DET
fsr-3305	332	7	price	price	NOUN
fsr-3305	332	8	of	of	ADP
fsr-3305	332	9	a	a	DET
fsr-3305	332	10	10	10	NUM
fsr-3305	332	11	-	-	PUNCT
fsr-3305	332	12	year	year	NOUN
fsr-3305	332	13	government	government	NOUN
fsr-3305	332	14	bond	bond	NOUN
fsr-3305	332	15	will	will	AUX
fsr-3305	332	16	a.	a.	NOUN
fsr-3305	332	17	increase	increase	VERB
fsr-3305	332	18	.	.	PUNCT
fsr-3305	333	1	b.	b.	PROPN
fsr-3305	333	2	decrease	decrease	NOUN
fsr-3305	333	3	.	.	PUNCT
fsr-3305	334	1	c.	c.	NOUN
fsr-3305	334	2	remains	remain	VERB
fsr-3305	334	3	the	the	DET
fsr-3305	334	4	same	same	ADJ
fsr-3305	334	5	.	.	PUNCT
fsr-3305	335	1	d.	d.	PROPN
fsr-3305	335	2	trade	trade	PROPN
fsr-3305	335	3	at	at	ADP
fsr-3305	335	4	a	a	DET
fsr-3305	335	5	premium	premium	NOUN
fsr-3305	335	6	.	.	PUNCT
fsr-3305	336	1	e.	e.	PROPN
fsr-3305	336	2	be	be	AUX
fsr-3305	336	3	impossible	impossible	ADJ
fsr-3305	336	4	to	to	PART
fsr-3305	336	5	predict	predict	VERB
fsr-3305	336	6	.	.	PUNCT
fsr-3305	337	1	risk	risk	NOUN
fsr-3305	337	2	management	management	NOUN
fsr-3305	337	3	18	18	NUM
fsr-3305	337	4	.	.	PUNCT
fsr-3305	338	1	if	if	SCONJ
fsr-3305	338	2	each	each	PRON
fsr-3305	338	3	of	of	ADP
fsr-3305	338	4	the	the	DET
fsr-3305	338	5	following	follow	VERB
fsr-3305	338	6	persons	person	NOUN
fsr-3305	338	7	had	have	VERB
fsr-3305	338	8	the	the	DET
fsr-3305	338	9	same	same	ADJ
fsr-3305	338	10	amount	amount	NOUN
fsr-3305	338	11	of	of	ADP
fsr-3305	338	12	take	take	VERB
fsr-3305	338	13	home	home	NOUN
fsr-3305	338	14	pay	pay	NOUN
fsr-3305	338	15	,	,	PUNCT
fsr-3305	338	16	who	who	PRON
fsr-3305	338	17	would	would	AUX
fsr-3305	338	18	need	need	VERB
fsr-3305	338	19	the	the	DET
fsr-3305	338	20	greatest	great	ADJ
fsr-3305	338	21	amount	amount	NOUN
fsr-3305	338	22	of	of	ADP
fsr-3305	338	23	life	life	NOUN
fsr-3305	338	24	insurance	insurance	NOUN
fsr-3305	338	25	?	?	PUNCT
fsr-3305	339	1	a.	a.	NOUN
fsr-3305	340	1	a	a	DET
fsr-3305	340	2	young	young	ADJ
fsr-3305	340	3	single	single	ADJ
fsr-3305	340	4	woman	woman	NOUN
fsr-3305	340	5	with	with	ADP
fsr-3305	340	6	two	two	NUM
fsr-3305	340	7	young	young	ADJ
fsr-3305	340	8	children	child	NOUN
fsr-3305	340	9	b.	b.	VERB
fsr-3305	340	10	a	a	DET
fsr-3305	340	11	young	young	ADJ
fsr-3305	340	12	single	single	ADJ
fsr-3305	340	13	woman	woman	NOUN
fsr-3305	340	14	without	without	ADP
fsr-3305	340	15	children	child	NOUN
fsr-3305	340	16	c.	c.	PROPN
fsr-3305	340	17	an	an	DET
fsr-3305	340	18	elderly	elderly	ADJ
fsr-3305	340	19	retired	retire	VERB
fsr-3305	340	20	man	man	NOUN
fsr-3305	340	21	,	,	PUNCT
fsr-3305	340	22	with	with	ADP
fsr-3305	340	23	a	a	DET
fsr-3305	340	24	spouse	spouse	NOUN
fsr-3305	340	25	who	who	PRON
fsr-3305	340	26	is	be	AUX
fsr-3305	340	27	also	also	ADV
fsr-3305	340	28	retired	retire	VERB
fsr-3305	340	29	d.	d.	PROPN
fsr-3305	340	30	a	a	DET
fsr-3305	340	31	young	young	ADJ
fsr-3305	340	32	married	married	ADJ
fsr-3305	340	33	man	man	NOUN
fsr-3305	340	34	without	without	ADP
fsr-3305	340	35	children	child	NOUN
fsr-3305	340	36	19	19	NUM
fsr-3305	340	37	.	.	PUNCT
fsr-3305	341	1	the	the	DET
fsr-3305	341	2	main	main	ADJ
fsr-3305	341	3	reason	reason	NOUN
fsr-3305	341	4	to	to	PART
fsr-3305	341	5	purchase	purchase	VERB
fsr-3305	341	6	insurance	insurance	NOUN
fsr-3305	341	7	is	be	AUX
fsr-3305	341	8	to	to	PART
fsr-3305	341	9	a.	a.	AUX
fsr-3305	341	10	protect	protect	VERB
fsr-3305	341	11	you	you	PRON
fsr-3305	341	12	from	from	ADP
fsr-3305	341	13	a	a	DET
fsr-3305	341	14	loss	loss	NOUN
fsr-3305	341	15	recently	recently	ADV
fsr-3305	341	16	incurred	incur	VERB
fsr-3305	341	17	.	.	PUNCT
fsr-3305	342	1	b.	b.	PROPN
fsr-3305	342	2	provide	provide	VERB
fsr-3305	342	3	you	you	PRON
fsr-3305	342	4	with	with	ADP
fsr-3305	342	5	excellent	excellent	ADJ
fsr-3305	342	6	investment	investment	NOUN
fsr-3305	342	7	returns	return	NOUN
fsr-3305	342	8	.	.	PUNCT
fsr-3305	343	1	c.	c.	NOUN
fsr-3305	343	2	protect	protect	VERB
fsr-3305	343	3	you	you	PRON
fsr-3305	343	4	from	from	ADP
fsr-3305	343	5	sustaining	sustain	VERB
fsr-3305	343	6	a	a	DET
fsr-3305	343	7	catastrophic	catastrophic	ADJ
fsr-3305	343	8	loss	loss	NOUN
fsr-3305	343	9	.	.	PUNCT
fsr-3305	344	1	d.	d.	PROPN
fsr-3305	344	2	protect	protect	VERB
fsr-3305	344	3	you	you	PRON
fsr-3305	344	4	from	from	ADP
fsr-3305	344	5	small	small	ADJ
fsr-3305	344	6	incidental	incidental	ADJ
fsr-3305	344	7	losses	loss	NOUN
fsr-3305	344	8	.	.	PUNCT
fsr-3305	345	1	20	20	NUM
fsr-3305	345	2	.	.	X
fsr-3305	346	1	what	what	DET
fsr-3305	346	2	type	type	NOUN
fsr-3305	346	3	of	of	ADP
fsr-3305	346	4	insurance	insurance	NOUN
fsr-3305	346	5	product	product	NOUN
fsr-3305	346	6	is	be	AUX
fsr-3305	346	7	limited	limit	VERB
fsr-3305	346	8	in	in	ADP
fsr-3305	346	9	length	length	NOUN
fsr-3305	346	10	of	of	ADP
fsr-3305	346	11	coverage	coverage	NOUN
fsr-3305	346	12	?	?	PUNCT
fsr-3305	347	1	a.	a.	NOUN
fsr-3305	347	2	whole	whole	ADJ
fsr-3305	347	3	-	-	PUNCT
fsr-3305	347	4	life	life	NOUN
fsr-3305	347	5	insurance	insurance	NOUN
fsr-3305	347	6	coverage	coverage	NOUN
fsr-3305	347	7	b.	b.	PROPN
fsr-3305	347	8	term	term	NOUN
fsr-3305	347	9	-	-	PUNCT
fsr-3305	347	10	insurance	insurance	NOUN
fsr-3305	347	11	coverage	coverage	NOUN
fsr-3305	347	12	c.	c.	PROPN
fsr-3305	347	13	duration	duration	NOUN
fsr-3305	347	14	-	-	PUNCT
fsr-3305	347	15	insurance	insurance	NOUN
fsr-3305	347	16	coverage	coverage	NOUN
fsr-3305	347	17	d.	d.	PROPN
fsr-3305	347	18	all	all	DET
fsr-3305	347	19	insurance	insurance	NOUN
fsr-3305	347	20	products	product	NOUN
fsr-3305	347	21	are	be	AUX
fsr-3305	347	22	limited	limit	VERB
fsr-3305	347	23	in	in	ADP
fsr-3305	347	24	length	length	NOUN
fsr-3305	347	25	21	21	NUM
fsr-3305	347	26	.	.	PUNCT
fsr-3305	348	1	auto	auto	NOUN
fsr-3305	348	2	insurance	insurance	NOUN
fsr-3305	348	3	companies	company	NOUN
fsr-3305	348	4	determine	determine	VERB
fsr-3305	348	5	your	your	PRON
fsr-3305	348	6	premium	premium	NOUN
fsr-3305	348	7	based	base	VERB
fsr-3305	348	8	on	on	ADP
fsr-3305	348	9	a.	a.	NOUN
fsr-3305	348	10	age	age	NOUN
fsr-3305	348	11	of	of	ADP
fsr-3305	348	12	insured	insure	VERB
fsr-3305	348	13	.	.	PUNCT
fsr-3305	349	1	b.	b.	PROPN
fsr-3305	349	2	record	record	NOUN
fsr-3305	349	3	of	of	ADP
fsr-3305	349	4	accidents	accident	NOUN
fsr-3305	349	5	.	.	PUNCT
fsr-3305	350	1	c.	c.	NOUN
fsr-3305	350	2	type	type	NOUN
fsr-3305	350	3	and	and	CCONJ
fsr-3305	350	4	age	age	NOUN
fsr-3305	350	5	of	of	ADP
fsr-3305	350	6	vehicle	vehicle	NOUN
fsr-3305	350	7	.	.	PUNCT
fsr-3305	351	1	d.	d.	PROPN
fsr-3305	351	2	all	all	PRON
fsr-3305	351	3	of	of	ADP
fsr-3305	351	4	the	the	DET
fsr-3305	351	5	above	above	ADJ
fsr-3305	351	6	.	.	PUNCT
fsr-3305	352	1	22	22	NUM
fsr-3305	352	2	.	.	PUNCT
fsr-3305	353	1	life	life	NOUN
fsr-3305	353	2	insurance	insurance	NOUN
fsr-3305	353	3	products	product	NOUN
fsr-3305	353	4	remain	remain	VERB
fsr-3305	353	5	in	in	ADP
fsr-3305	353	6	force	force	NOUN
fsr-3305	353	7	even	even	ADV
fsr-3305	353	8	though	though	SCONJ
fsr-3305	353	9	premiums	premium	NOUN
fsr-3305	353	10	have	have	AUX
fsr-3305	353	11	not	not	PART
fsr-3305	353	12	been	be	AUX
fsr-3305	353	13	paid	pay	VERB
fsr-3305	353	14	?	?	PUNCT
fsr-3305	354	1	a.	a.	PROPN
fsr-3305	354	2	true	true	PROPN
fsr-3305	354	3	b.	b.	PROPN
fsr-3305	354	4	false	false	ADJ
fsr-3305	354	5	160	160	NUM
fsr-3305	354	6	r.n	r.n	PROPN
fsr-3305	354	7	.	.	PROPN
fsr-3305	354	8	killins	killins	PROPN
fsr-3305	354	9	/	/	SYM
fsr-3305	354	10	financial	financial	ADJ
fsr-3305	354	11	services	service	NOUN
fsr-3305	354	12	review	review	VERB
fsr-3305	354	13	26	26	NUM
fsr-3305	354	14	(	(	PUNCT
fsr-3305	354	15	2017	2017	NUM
fsr-3305	354	16	)	)	PUNCT
fsr-3305	354	17	143–165	143–165	NUM
fsr-3305	354	18	retirement	retirement	NOUN
fsr-3305	354	19	planning	plan	VERB
fsr-3305	354	20	23	23	NUM
fsr-3305	354	21	.	.	PUNCT
fsr-3305	355	1	high	high	ADJ
fsr-3305	355	2	-	-	PUNCT
fsr-3305	355	3	risk	risk	NOUN
fsr-3305	355	4	and	and	CCONJ
fsr-3305	355	5	high	high	ADJ
fsr-3305	355	6	-	-	PUNCT
fsr-3305	355	7	return	return	NOUN
fsr-3305	355	8	investment	investment	NOUN
fsr-3305	355	9	strategy	strategy	NOUN
fsr-3305	355	10	would	would	AUX
fsr-3305	355	11	be	be	AUX
fsr-3305	355	12	most	most	ADV
fsr-3305	355	13	suitable	suitable	ADJ
fsr-3305	355	14	for	for	ADP
fsr-3305	355	15	a.	a.	NOUN
fsr-3305	355	16	an	an	DET
fsr-3305	355	17	elderly	elderly	ADJ
fsr-3305	355	18	retired	retire	VERB
fsr-3305	355	19	couple	couple	NOUN
fsr-3305	355	20	living	live	VERB
fsr-3305	355	21	on	on	ADP
fsr-3305	355	22	a	a	DET
fsr-3305	355	23	fixed	fixed	ADJ
fsr-3305	355	24	income	income	NOUN
fsr-3305	355	25	.	.	PUNCT
fsr-3305	356	1	b.	b.	PROPN
fsr-3305	357	1	a	a	DET
fsr-3305	357	2	middle	middle	NOUN
fsr-3305	357	3	-	-	PUNCT
fsr-3305	357	4	aged	aged	ADJ
fsr-3305	357	5	couple	couple	NOUN
fsr-3305	357	6	needing	need	VERB
fsr-3305	357	7	funds	fund	NOUN
fsr-3305	357	8	for	for	ADP
fsr-3305	357	9	their	their	PRON
fsr-3305	357	10	children	child	NOUN
fsr-3305	357	11	’s	’s	PART
fsr-3305	357	12	education	education	NOUN
fsr-3305	357	13	in	in	ADP
fsr-3305	357	14	two	two	NUM
fsr-3305	357	15	years	year	NOUN
fsr-3305	357	16	.	.	PUNCT
fsr-3305	358	1	c.	c.	PROPN
fsr-3305	358	2	a	a	DET
fsr-3305	358	3	young	young	ADJ
fsr-3305	358	4	married	married	ADJ
fsr-3305	358	5	couple	couple	NOUN
fsr-3305	358	6	without	without	ADP
fsr-3305	358	7	children	child	NOUN
fsr-3305	358	8	.	.	PUNCT
fsr-3305	359	1	d.	d.	PROPN
fsr-3305	359	2	all	all	PRON
fsr-3305	359	3	of	of	ADP
fsr-3305	359	4	the	the	DET
fsr-3305	359	5	above	above	ADV
fsr-3305	359	6	because	because	SCONJ
fsr-3305	359	7	they	they	PRON
fsr-3305	359	8	all	all	PRON
fsr-3305	359	9	need	need	VERB
fsr-3305	359	10	high	high	ADJ
fsr-3305	359	11	return	return	NOUN
fsr-3305	359	12	.	.	PUNCT
fsr-3305	360	1	24	24	NUM
fsr-3305	360	2	.	.	PUNCT
fsr-3305	361	1	upon	upon	SCONJ
fsr-3305	361	2	retirement	retirement	NOUN
fsr-3305	361	3	today	today	NOUN
fsr-3305	361	4	what	what	PRON
fsr-3305	361	5	is	be	AUX
fsr-3305	361	6	the	the	DET
fsr-3305	361	7	approximate	approximate	ADJ
fsr-3305	361	8	maximum	maximum	ADJ
fsr-3305	361	9	value	value	NOUN
fsr-3305	361	10	that	that	PRON
fsr-3305	361	11	a	a	DET
fsr-3305	361	12	person	person	NOUN
fsr-3305	361	13	could	could	AUX
fsr-3305	361	14	receive	receive	VERB
fsr-3305	361	15	from	from	ADP
fsr-3305	361	16	the	the	DET
fsr-3305	361	17	canadian	canadian	ADJ
fsr-3305	361	18	pension	pension	NOUN
fsr-3305	361	19	plan	plan	NOUN
fsr-3305	361	20	?	?	PUNCT
fsr-3305	362	1	(	(	PUNCT
fsr-3305	362	2	monthly	monthly	ADJ
fsr-3305	362	3	payment	payment	NOUN
fsr-3305	362	4	)	)	PUNCT
fsr-3305	362	5	a.	a.	NOUN
fsr-3305	362	6	505.00	505.00	NUM
fsr-3305	362	7	b.	b.	NOUN
fsr-3305	362	8	1065.00	1065.00	NUM
fsr-3305	362	9	c.	c.	PROPN
fsr-3305	362	10	1920.00	1920.00	NUM
fsr-3305	362	11	d.	d.	PROPN
fsr-3305	362	12	2510.00	2510.00	NUM
fsr-3305	362	13	25	25	NUM
fsr-3305	362	14	.	.	PUNCT
fsr-3305	363	1	your	your	PRON
fsr-3305	363	2	employer	employer	NOUN
fsr-3305	363	3	is	be	AUX
fsr-3305	363	4	obligated	obligate	VERB
fsr-3305	363	5	to	to	PART
fsr-3305	363	6	provide	provide	VERB
fsr-3305	363	7	you	you	PRON
fsr-3305	363	8	with	with	ADP
fsr-3305	363	9	retirement	retirement	NOUN
fsr-3305	363	10	income	income	NOUN
fsr-3305	363	11	if	if	SCONJ
fsr-3305	363	12	you	you	PRON
fsr-3305	363	13	worked	work	VERB
fsr-3305	363	14	for	for	ADP
fsr-3305	363	15	them	they	PRON
fsr-3305	363	16	for	for	ADP
fsr-3305	363	17	more	more	ADJ
fsr-3305	363	18	than	than	ADP
fsr-3305	363	19	25	25	NUM
fsr-3305	363	20	years	year	NOUN
fsr-3305	363	21	?	?	PUNCT
fsr-3305	364	1	a.	a.	PROPN
fsr-3305	364	2	true	true	PROPN
fsr-3305	364	3	b.	b.	PROPN
fsr-3305	364	4	false	false	ADJ
fsr-3305	364	5	26	26	NUM
fsr-3305	364	6	.	.	PUNCT
fsr-3305	365	1	consider	consider	VERB
fsr-3305	365	2	the	the	DET
fsr-3305	365	3	following	follow	VERB
fsr-3305	365	4	scenario	scenario	NOUN
fsr-3305	365	5	:	:	PUNCT
fsr-3305	365	6	jack	jack	PROPN
fsr-3305	365	7	and	and	CCONJ
fsr-3305	365	8	jill	jill	PROPN
fsr-3305	365	9	are	be	AUX
fsr-3305	365	10	twins	twin	NOUN
fsr-3305	365	11	.	.	PUNCT
fsr-3305	366	1	at	at	ADP
fsr-3305	366	2	the	the	DET
fsr-3305	366	3	age	age	NOUN
fsr-3305	366	4	of	of	ADP
fsr-3305	366	5	20	20	NUM
fsr-3305	366	6	,	,	PUNCT
fsr-3305	366	7	jack	jack	NOUN
fsr-3305	366	8	started	start	VERB
fsr-3305	366	9	contributing	contribute	VERB
fsr-3305	366	10	$	$	SYM
fsr-3305	366	11	20	20	NUM
fsr-3305	366	12	a	a	DET
fsr-3305	366	13	month	month	NOUN
fsr-3305	366	14	to	to	ADP
fsr-3305	366	15	a	a	DET
fsr-3305	366	16	savings	saving	NOUN
fsr-3305	366	17	account	account	NOUN
fsr-3305	366	18	.	.	PUNCT
fsr-3305	367	1	after	after	ADP
fsr-3305	367	2	20	20	NUM
fsr-3305	367	3	years	year	NOUN
fsr-3305	367	4	,	,	PUNCT
fsr-3305	367	5	at	at	ADP
fsr-3305	367	6	the	the	DET
fsr-3305	367	7	age	age	NOUN
fsr-3305	367	8	of	of	ADP
fsr-3305	367	9	40	40	NUM
fsr-3305	367	10	,	,	PUNCT
fsr-3305	367	11	he	he	PRON
fsr-3305	367	12	stopped	stop	VERB
fsr-3305	367	13	adding	add	VERB
fsr-3305	367	14	to	to	ADP
fsr-3305	367	15	his	his	PRON
fsr-3305	367	16	savings	saving	NOUN
fsr-3305	367	17	,	,	PUNCT
fsr-3305	367	18	but	but	CCONJ
fsr-3305	367	19	he	he	PRON
fsr-3305	367	20	left	leave	VERB
fsr-3305	367	21	the	the	DET
fsr-3305	367	22	money	money	NOUN
fsr-3305	367	23	in	in	ADP
fsr-3305	367	24	the	the	DET
fsr-3305	367	25	account	account	NOUN
fsr-3305	367	26	.	.	PUNCT
fsr-3305	368	1	jill	jill	PROPN
fsr-3305	368	2	did	do	AUX
fsr-3305	368	3	n’t	not	PART
fsr-3305	368	4	start	start	VERB
fsr-3305	368	5	to	to	PART
fsr-3305	368	6	save	save	VERB
fsr-3305	368	7	until	until	SCONJ
fsr-3305	368	8	she	she	PRON
fsr-3305	368	9	was	be	AUX
fsr-3305	368	10	40	40	NUM
fsr-3305	368	11	.	.	PUNCT
fsr-3305	369	1	then	then	ADV
fsr-3305	369	2	,	,	PUNCT
fsr-3305	369	3	she	she	PRON
fsr-3305	369	4	saved	save	VERB
fsr-3305	369	5	$	$	SYM
fsr-3305	369	6	20	20	NUM
fsr-3305	369	7	a	a	DET
fsr-3305	369	8	month	month	NOUN
fsr-3305	369	9	until	until	SCONJ
fsr-3305	369	10	she	she	PRON
fsr-3305	369	11	retired	retire	VERB
fsr-3305	369	12	20	20	NUM
fsr-3305	369	13	years	year	NOUN
fsr-3305	369	14	later	later	ADV
fsr-3305	369	15	at	at	ADP
fsr-3305	369	16	age	age	NOUN
fsr-3305	369	17	60	60	NUM
fsr-3305	369	18	.	.	PUNCT
fsr-3305	370	1	suppose	suppose	VERB
fsr-3305	370	2	both	both	DET
fsr-3305	370	3	jack	jack	PROPN
fsr-3305	370	4	and	and	CCONJ
fsr-3305	370	5	jill	jill	PROPN
fsr-3305	370	6	earned	earn	VERB
fsr-3305	370	7	6	6	NUM
fsr-3305	370	8	%	%	NOUN
fsr-3305	370	9	interest	interest	NOUN
fsr-3305	370	10	per	per	ADP
fsr-3305	370	11	year	year	NOUN
fsr-3305	370	12	on	on	ADP
fsr-3305	370	13	their	their	PRON
fsr-3305	370	14	savings	saving	NOUN
fsr-3305	370	15	.	.	PUNCT
fsr-3305	371	1	when	when	SCONJ
fsr-3305	371	2	they	they	PRON
fsr-3305	371	3	both	both	PRON
fsr-3305	371	4	retired	retire	VERB
fsr-3305	371	5	at	at	ADP
fsr-3305	371	6	age	age	NOUN
fsr-3305	371	7	60	60	NUM
fsr-3305	371	8	,	,	PUNCT
fsr-3305	371	9	who	who	PRON
fsr-3305	371	10	had	have	VERB
fsr-3305	371	11	more	more	ADJ
fsr-3305	371	12	money	money	NOUN
fsr-3305	371	13	?	?	PUNCT
fsr-3305	372	1	a.	a.	PROPN
fsr-3305	372	2	jack	jack	PROPN
fsr-3305	372	3	b.	b.	PROPN
fsr-3305	372	4	jill	jill	PROPN
fsr-3305	372	5	c.	c.	PROPN
fsr-3305	373	1	they	they	PRON
fsr-3305	373	2	had	have	VERB
fsr-3305	373	3	the	the	DET
fsr-3305	373	4	same	same	ADJ
fsr-3305	373	5	amount	amount	NOUN
fsr-3305	373	6	d.	d.	PROPN
fsr-3305	373	7	do	do	AUX
fsr-3305	373	8	n’t	not	PART
fsr-3305	373	9	know	know	VERB
fsr-3305	373	10	27	27	NUM
fsr-3305	373	11	.	.	PUNCT
fsr-3305	374	1	alice	alice	PROPN
fsr-3305	374	2	wants	want	VERB
fsr-3305	374	3	to	to	PART
fsr-3305	374	4	invest	invest	VERB
fsr-3305	374	5	$	$	SYM
fsr-3305	374	6	1,000	1,000	NUM
fsr-3305	374	7	for	for	ADP
fsr-3305	374	8	retirement	retirement	NOUN
fsr-3305	374	9	this	this	DET
fsr-3305	374	10	year	year	NOUN
fsr-3305	374	11	.	.	PUNCT
fsr-3305	375	1	her	her	PRON
fsr-3305	375	2	new	new	ADJ
fsr-3305	375	3	employer	employer	NOUN
fsr-3305	375	4	will	will	AUX
fsr-3305	375	5	fully	fully	ADV
fsr-3305	375	6	match	match	VERB
fsr-3305	375	7	her	her	PRON
fsr-3305	375	8	company	company	NOUN
fsr-3305	375	9	pension	pension	NOUN
fsr-3305	375	10	contributions	contribution	NOUN
fsr-3305	375	11	,	,	PUNCT
fsr-3305	375	12	up	up	ADP
fsr-3305	375	13	to	to	PART
fsr-3305	375	14	$	$	SYM
fsr-3305	375	15	10,000	10,000	NUM
fsr-3305	375	16	per	per	ADP
fsr-3305	375	17	year	year	NOUN
fsr-3305	375	18	.	.	PUNCT
fsr-3305	376	1	all	all	PRON
fsr-3305	376	2	else	else	ADV
fsr-3305	376	3	being	be	AUX
fsr-3305	376	4	equal	equal	ADJ
fsr-3305	376	5	,	,	PUNCT
fsr-3305	376	6	which	which	PRON
fsr-3305	376	7	of	of	ADP
fsr-3305	376	8	the	the	DET
fsr-3305	376	9	following	follow	VERB
fsr-3305	376	10	options	option	NOUN
fsr-3305	376	11	will	will	AUX
fsr-3305	376	12	give	give	VERB
fsr-3305	376	13	alice	alice	ADP
fsr-3305	376	14	the	the	DET
fsr-3305	376	15	highest	high	ADJ
fsr-3305	376	16	total	total	ADJ
fsr-3305	376	17	amount	amount	NOUN
fsr-3305	376	18	at	at	ADP
fsr-3305	376	19	the	the	DET
fsr-3305	376	20	end	end	NOUN
fsr-3305	376	21	of	of	ADP
fsr-3305	376	22	the	the	DET
fsr-3305	376	23	year	year	NOUN
fsr-3305	376	24	?	?	PUNCT
fsr-3305	377	1	a.	a.	PROPN
fsr-3305	377	2	alice	alice	PROPN
fsr-3305	377	3	contributes	contribute	VERB
fsr-3305	377	4	$	$	SYM
fsr-3305	377	5	1,000	1,000	NUM
fsr-3305	377	6	to	to	ADP
fsr-3305	377	7	her	her	PRON
fsr-3305	377	8	company	company	NOUN
fsr-3305	377	9	pension	pension	NOUN
fsr-3305	377	10	plan	plan	NOUN
fsr-3305	377	11	and	and	CCONJ
fsr-3305	377	12	invests	invest	NOUN
fsr-3305	377	13	that	that	DET
fsr-3305	377	14	money	money	NOUN
fsr-3305	377	15	in	in	ADP
fsr-3305	377	16	mutual	mutual	ADJ
fsr-3305	377	17	fund	fund	NOUN
fsr-3305	377	18	at	at	ADP
fsr-3305	377	19	the	the	DET
fsr-3305	377	20	end	end	NOUN
fsr-3305	377	21	of	of	ADP
fsr-3305	377	22	the	the	DET
fsr-3305	377	23	year	year	NOUN
fsr-3305	377	24	with	with	ADP
fsr-3305	377	25	mutual	mutual	ADJ
fsr-3305	377	26	fund	fund	NOUN
fsr-3305	377	27	a	a	PRON
fsr-3305	377	28	and	and	CCONJ
fsr-3305	377	29	has	have	AUX
fsr-3305	377	30	earned	earn	VERB
fsr-3305	377	31	a	a	DET
fsr-3305	377	32	5	5	NUM
fsr-3305	377	33	%	%	NOUN
fsr-3305	377	34	return	return	NOUN
fsr-3305	377	35	.	.	PUNCT
fsr-3305	378	1	b.	b.	PROPN
fsr-3305	378	2	alice	alice	PROPN
fsr-3305	378	3	does	do	AUX
fsr-3305	378	4	not	not	PART
fsr-3305	378	5	contribute	contribute	VERB
fsr-3305	378	6	to	to	ADP
fsr-3305	378	7	her	her	PRON
fsr-3305	378	8	company	company	NOUN
fsr-3305	378	9	pension	pension	NOUN
fsr-3305	378	10	plan	plan	NOUN
fsr-3305	378	11	but	but	CCONJ
fsr-3305	378	12	she	she	PRON
fsr-3305	378	13	invests	invest	VERB
fsr-3305	378	14	$	$	SYM
fsr-3305	378	15	1,000	1,000	NUM
fsr-3305	378	16	in	in	ADP
fsr-3305	378	17	mutual	mutual	ADJ
fsr-3305	378	18	fund	fund	NOUN
fsr-3305	378	19	x	x	X
fsr-3305	378	20	outside	outside	ADP
fsr-3305	378	21	of	of	ADP
fsr-3305	378	22	her	her	PRON
fsr-3305	378	23	company	company	NOUN
fsr-3305	378	24	pension	pension	NOUN
fsr-3305	378	25	plan	plan	NOUN
fsr-3305	378	26	.	.	PUNCT
fsr-3305	379	1	at	at	ADP
fsr-3305	379	2	the	the	DET
fsr-3305	379	3	end	end	NOUN
fsr-3305	379	4	of	of	ADP
fsr-3305	379	5	the	the	DET
fsr-3305	379	6	year	year	NOUN
fsr-3305	379	7	,	,	PUNCT
fsr-3305	379	8	mutual	mutual	ADJ
fsr-3305	379	9	fund	fund	NOUN
fsr-3305	379	10	x	x	AUX
fsr-3305	379	11	has	have	AUX
fsr-3305	379	12	earned	earn	VERB
fsr-3305	379	13	a	a	DET
fsr-3305	379	14	20	20	NUM
fsr-3305	379	15	%	%	NOUN
fsr-3305	379	16	return	return	NOUN
fsr-3305	379	17	.	.	PUNCT
fsr-3305	380	1	c.	c.	PROPN
fsr-3305	380	2	alice	alice	PROPN
fsr-3305	380	3	does	do	AUX
fsr-3305	380	4	not	not	PART
fsr-3305	380	5	contribute	contribute	VERB
fsr-3305	380	6	to	to	ADP
fsr-3305	380	7	her	her	PRON
fsr-3305	380	8	company	company	NOUN
fsr-3305	380	9	pension	pension	NOUN
fsr-3305	380	10	plan	plan	NOUN
fsr-3305	380	11	,	,	PUNCT
fsr-3305	380	12	but	but	CCONJ
fsr-3305	380	13	she	she	PRON
fsr-3305	380	14	invests	invest	VERB
fsr-3305	380	15	$	$	SYM
fsr-3305	380	16	1,000	1,000	NUM
fsr-3305	380	17	in	in	ADP
fsr-3305	380	18	mutual	mutual	ADJ
fsr-3305	380	19	fund	fund	NOUN
fsr-3305	380	20	y	y	PROPN
fsr-3305	380	21	outside	outside	ADP
fsr-3305	380	22	of	of	ADP
fsr-3305	380	23	her	her	PRON
fsr-3305	380	24	company	company	NOUN
fsr-3305	380	25	pension	pension	NOUN
fsr-3305	380	26	plan	plan	NOUN
fsr-3305	380	27	.	.	PUNCT
fsr-3305	381	1	at	at	ADP
fsr-3305	381	2	the	the	DET
fsr-3305	381	3	end	end	NOUN
fsr-3305	381	4	of	of	ADP
fsr-3305	381	5	the	the	DET
fsr-3305	381	6	year	year	NOUN
fsr-3305	381	7	,	,	PUNCT
fsr-3305	381	8	mutual	mutual	ADJ
fsr-3305	381	9	fund	fund	NOUN
fsr-3305	381	10	y	y	PROPN
fsr-3305	381	11	has	have	AUX
fsr-3305	381	12	earned	earn	VERB
fsr-3305	381	13	a	a	DET
fsr-3305	381	14	5	5	NUM
fsr-3305	381	15	%	%	NOUN
fsr-3305	381	16	return	return	NOUN
fsr-3305	381	17	.	.	PUNCT
fsr-3305	382	1	d.	d.	PROPN
fsr-3305	382	2	do	do	AUX
fsr-3305	382	3	n’t	not	PART
fsr-3305	382	4	know	know	VERB
fsr-3305	382	5	.	.	PUNCT
fsr-3305	383	1	161r.n	161r.n	X
fsr-3305	383	2	.	.	PUNCT
fsr-3305	384	1	killins	killins	PROPN
fsr-3305	384	2	/	/	SYM
fsr-3305	384	3	financial	financial	ADJ
fsr-3305	384	4	services	service	NOUN
fsr-3305	384	5	review	review	VERB
fsr-3305	384	6	26	26	NUM
fsr-3305	384	7	(	(	PUNCT
fsr-3305	384	8	2017	2017	NUM
fsr-3305	384	9	)	)	PUNCT
fsr-3305	384	10	143–165	143–165	NUM
fsr-3305	384	11	general	general	NOUN
fsr-3305	384	12	28	28	NUM
fsr-3305	384	13	.	.	PUNCT
fsr-3305	385	1	what	what	PRON
fsr-3305	385	2	age	age	NOUN
fsr-3305	385	3	category	category	NOUN
fsr-3305	385	4	do	do	AUX
fsr-3305	385	5	you	you	PRON
fsr-3305	385	6	fall	fall	VERB
fsr-3305	385	7	into	into	ADP
fsr-3305	385	8	?	?	PUNCT
fsr-3305	386	1	a.	a.	NOUN
fsr-3305	386	2	15–19	15–19	PROPN
fsr-3305	386	3	b.	b.	PROPN
fsr-3305	387	1	20–24	20–24	NUM
fsr-3305	387	2	c.	c.	PROPN
fsr-3305	387	3	25–29	25–29	PROPN
fsr-3305	387	4	d.	d.	PROPN
fsr-3305	387	5	30	30	NUM
fsr-3305	387	6	�	�	PROPN
fsr-3305	387	7	29	29	NUM
fsr-3305	387	8	.	.	PUNCT
fsr-3305	387	9	indicate	indicate	VERB
fsr-3305	387	10	the	the	DET
fsr-3305	387	11	highest	high	ADJ
fsr-3305	387	12	level	level	NOUN
fsr-3305	387	13	of	of	ADP
fsr-3305	387	14	formal	formal	ADJ
fsr-3305	387	15	education	education	NOUN
fsr-3305	387	16	completed	complete	VERB
fsr-3305	387	17	.	.	PUNCT
fsr-3305	388	1	a.	a.	PROPN
fsr-3305	388	2	high	high	PROPN
fsr-3305	388	3	school	school	PROPN
fsr-3305	388	4	b.	b.	PROPN
fsr-3305	388	5	some	some	DET
fsr-3305	388	6	college	college	NOUN
fsr-3305	388	7	c.	c.	PROPN
fsr-3305	388	8	4	4	NUM
fsr-3305	388	9	-	-	PUNCT
fsr-3305	388	10	year	year	NOUN
fsr-3305	388	11	bachelor	bachelor	NOUN
fsr-3305	388	12	degree	degree	NOUN
fsr-3305	388	13	d.	d.	PROPN
fsr-3305	388	14	master	master	PROPN
fsr-3305	388	15	’s	’s	PART
fsr-3305	388	16	degree	degree	NOUN
fsr-3305	388	17	or	or	CCONJ
fsr-3305	388	18	better	well	ADJ
fsr-3305	388	19	30	30	NUM
fsr-3305	388	20	.	.	PUNCT
fsr-3305	389	1	in	in	ADP
fsr-3305	389	2	the	the	DET
fsr-3305	389	3	above	above	ADJ
fsr-3305	389	4	education	education	NOUN
fsr-3305	389	5	were	be	AUX
fsr-3305	389	6	you	you	PRON
fsr-3305	389	7	enrolled	enrol	VERB
fsr-3305	389	8	in	in	ADP
fsr-3305	389	9	business	business	NOUN
fsr-3305	389	10	-	-	PUNCT
fsr-3305	389	11	specific	specific	ADJ
fsr-3305	389	12	program	program	NOUN
fsr-3305	389	13	?	?	PUNCT
fsr-3305	390	1	a.	a.	NOUN
fsr-3305	391	1	yes	yes	INTJ
fsr-3305	391	2	b.	b.	PROPN
fsr-3305	392	1	no	no	DET
fsr-3305	392	2	31	31	NUM
fsr-3305	392	3	.	.	PUNCT
fsr-3305	393	1	indicate	indicate	VERB
fsr-3305	393	2	which	which	DET
fsr-3305	393	3	ethnic	ethnic	ADJ
fsr-3305	393	4	category	category	NOUN
fsr-3305	393	5	you	you	PRON
fsr-3305	393	6	define	define	VERB
fsr-3305	393	7	yourself	yourself	PRON
fsr-3305	393	8	as	as	ADP
fsr-3305	393	9	,	,	PUNCT
fsr-3305	393	10	a.	a.	PROPN
fsr-3305	393	11	white	white	PROPN
fsr-3305	393	12	b.	b.	PROPN
fsr-3305	393	13	african	african	PROPN
fsr-3305	393	14	american	american	PROPN
fsr-3305	393	15	c.	c.	PROPN
fsr-3305	393	16	hispanic	hispanic	PROPN
fsr-3305	393	17	d.	d.	PROPN
fsr-3305	393	18	asian	asian	PROPN
fsr-3305	393	19	e.	e.	PROPN
fsr-3305	393	20	middle	middle	PROPN
fsr-3305	393	21	eastern	eastern	PROPN
fsr-3305	393	22	f.	f.	PROPN
fsr-3305	393	23	other	other	ADJ
fsr-3305	393	24	32	32	NUM
fsr-3305	393	25	.	.	PUNCT
fsr-3305	394	1	what	what	PRON
fsr-3305	394	2	is	be	AUX
fsr-3305	394	3	your	your	PRON
fsr-3305	394	4	gender	gender	NOUN
fsr-3305	394	5	/	/	SYM
fsr-3305	394	6	sex	sex	NOUN
fsr-3305	394	7	?	?	PUNCT
fsr-3305	395	1	a.	a.	NOUN
fsr-3305	395	2	male	male	PROPN
fsr-3305	395	3	b.	b.	PROPN
fsr-3305	395	4	female	female	PROPN
fsr-3305	395	5	33	33	NUM
fsr-3305	395	6	.	.	PUNCT
fsr-3305	396	1	what	what	PRON
fsr-3305	396	2	is	be	AUX
fsr-3305	396	3	you	you	PRON
fsr-3305	396	4	marital	marital	ADJ
fsr-3305	396	5	status	status	NOUN
fsr-3305	396	6	?	?	PUNCT
fsr-3305	397	1	a.	a.	PROPN
fsr-3305	397	2	single	single	PROPN
fsr-3305	397	3	b.	b.	PROPN
fsr-3305	397	4	married	married	PROPN
fsr-3305	397	5	c.	c.	PROPN
fsr-3305	397	6	separated	separate	VERB
fsr-3305	397	7	/	/	SYM
fsr-3305	397	8	divorced	divorced	ADJ
fsr-3305	397	9	34	34	NUM
fsr-3305	397	10	.	.	PUNCT
fsr-3305	398	1	how	how	SCONJ
fsr-3305	398	2	long	long	ADV
fsr-3305	398	3	have	have	AUX
fsr-3305	398	4	you	you	PRON
fsr-3305	398	5	lived	live	VERB
fsr-3305	398	6	in	in	ADP
fsr-3305	398	7	canada	canada	PROPN
fsr-3305	398	8	?	?	PUNCT
fsr-3305	399	1	a.	a.	NOUN
fsr-3305	399	2	0–2	0–2	NUM
fsr-3305	399	3	years	year	NOUN
fsr-3305	399	4	b.	b.	PROPN
fsr-3305	400	1	3–5	3–5	NUM
fsr-3305	400	2	years	year	NOUN
fsr-3305	400	3	c.	c.	PROPN
fsr-3305	400	4	6–8	6–8	PROPN
fsr-3305	400	5	years	year	NOUN
fsr-3305	400	6	d.	d.	PROPN
fsr-3305	400	7	8	8	NUM
fsr-3305	400	8	�	�	PROPN
fsr-3305	400	9	years	year	NOUN
fsr-3305	400	10	35	35	NUM
fsr-3305	400	11	.	.	PUNCT
fsr-3305	400	12	indicate	indicate	VERB
fsr-3305	400	13	how	how	SCONJ
fsr-3305	400	14	many	many	ADJ
fsr-3305	400	15	years	year	NOUN
fsr-3305	400	16	of	of	ADP
fsr-3305	400	17	experience	experience	NOUN
fsr-3305	400	18	you	you	PRON
fsr-3305	400	19	have	have	VERB
fsr-3305	400	20	in	in	ADP
fsr-3305	400	21	the	the	DET
fsr-3305	400	22	work	work	NOUN
fsr-3305	400	23	-	-	PUNCT
fsr-3305	400	24	force	force	NOUN
fsr-3305	400	25	.	.	PUNCT
fsr-3305	401	1	a.	a.	NOUN
fsr-3305	401	2	0–2	0–2	PROPN
fsr-3305	401	3	b.	b.	PROPN
fsr-3305	402	1	3–5	3–5	NUM
fsr-3305	402	2	c.	c.	PROPN
fsr-3305	403	1	6–8	6–8	PROPN
fsr-3305	404	1	d.	d.	PROPN
fsr-3305	404	2	8	8	NUM
fsr-3305	404	3	�	�	PROPN
fsr-3305	404	4	36	36	NUM
fsr-3305	404	5	.	.	PUNCT
fsr-3305	405	1	what	what	PRON
fsr-3305	405	2	is	be	AUX
fsr-3305	405	3	your	your	PRON
fsr-3305	405	4	approximate	approximate	ADJ
fsr-3305	405	5	gross	gross	ADJ
fsr-3305	405	6	income	income	NOUN
fsr-3305	405	7	per	per	ADP
fsr-3305	405	8	year	year	NOUN
fsr-3305	405	9	?	?	PUNCT
fsr-3305	406	1	162	162	NUM
fsr-3305	406	2	r.n	r.n	PROPN
fsr-3305	406	3	.	.	PROPN
fsr-3305	406	4	killins	killins	PROPN
fsr-3305	406	5	/	/	SYM
fsr-3305	406	6	financial	financial	ADJ
fsr-3305	406	7	services	service	NOUN
fsr-3305	406	8	review	review	VERB
fsr-3305	406	9	26	26	NUM
fsr-3305	406	10	(	(	PUNCT
fsr-3305	406	11	2017	2017	NUM
fsr-3305	406	12	)	)	PUNCT
fsr-3305	406	13	143–165	143–165	NUM
fsr-3305	406	14	a.	a.	NOUN
fsr-3305	406	15	less	less	ADJ
fsr-3305	406	16	than	than	ADP
fsr-3305	406	17	$	$	SYM
fsr-3305	406	18	15,000	15,000	NUM
fsr-3305	406	19	b.	b.	NOUN
fsr-3305	406	20	$	$	SYM
fsr-3305	406	21	15,001	15,001	NUM
fsr-3305	406	22	to	to	PART
fsr-3305	406	23	$	$	SYM
fsr-3305	406	24	30,000	30,000	NUM
fsr-3305	406	25	c.	c.	NOUN
fsr-3305	406	26	$	$	SYM
fsr-3305	406	27	30,001	30,001	NUM
fsr-3305	406	28	to	to	PART
fsr-3305	406	29	$	$	SYM
fsr-3305	406	30	65,000	65,000	NUM
fsr-3305	406	31	d.	d.	PROPN
fsr-3305	406	32	$	$	SYM
fsr-3305	406	33	65,000	65,000	NUM
fsr-3305	406	34	�	�	PROPN
fsr-3305	406	35	37	37	NUM
fsr-3305	406	36	.	.	PUNCT
fsr-3305	407	1	how	how	SCONJ
fsr-3305	407	2	many	many	ADJ
fsr-3305	407	3	times	time	NOUN
fsr-3305	407	4	in	in	ADP
fsr-3305	407	5	a	a	DET
fsr-3305	407	6	month	month	NOUN
fsr-3305	407	7	do	do	AUX
fsr-3305	407	8	you	you	PRON
fsr-3305	407	9	psychically	psychically	ADV
fsr-3305	407	10	go	go	VERB
fsr-3305	407	11	to	to	ADP
fsr-3305	407	12	you	you	PRON
fsr-3305	407	13	banking	banking	NOUN
fsr-3305	407	14	institution	institution	NOUN
fsr-3305	407	15	?	?	PUNCT
fsr-3305	408	1	a.	a.	NOUN
fsr-3305	408	2	0–1	0–1	PROPN
fsr-3305	408	3	b.	b.	PROPN
fsr-3305	408	4	1–3	1–3	PROPN
fsr-3305	408	5	c.	c.	PROPN
fsr-3305	408	6	3–5	3–5	PROPN
fsr-3305	408	7	d.	d.	NOUN
fsr-3305	408	8	5	5	NUM
fsr-3305	408	9	or	or	CCONJ
fsr-3305	408	10	more	more	ADJ
fsr-3305	408	11	38	38	NUM
fsr-3305	408	12	.	.	PUNCT
fsr-3305	409	1	how	how	SCONJ
fsr-3305	409	2	many	many	ADJ
fsr-3305	409	3	times	time	NOUN
fsr-3305	409	4	in	in	ADP
fsr-3305	409	5	a	a	DET
fsr-3305	409	6	month	month	NOUN
fsr-3305	409	7	do	do	AUX
fsr-3305	409	8	you	you	PRON
fsr-3305	409	9	check	check	VERB
fsr-3305	409	10	your	your	PRON
fsr-3305	409	11	bank	bank	NOUN
fsr-3305	409	12	account	account	NOUN
fsr-3305	409	13	online	online	ADV
fsr-3305	409	14	or	or	CCONJ
fsr-3305	409	15	via	via	ADP
fsr-3305	409	16	your	your	PRON
fsr-3305	409	17	banking	banking	NOUN
fsr-3305	409	18	app	app	NOUN
fsr-3305	409	19	?	?	PUNCT
fsr-3305	410	1	a.	a.	PROPN
fsr-3305	410	2	0–3	0–3	PROPN
fsr-3305	410	3	b.	b.	PROPN
fsr-3305	411	1	4–7	4–7	PROPN
fsr-3305	411	2	c.	c.	PROPN
fsr-3305	411	3	8–11	8–11	PROPN
fsr-3305	411	4	d.	d.	PROPN
fsr-3305	411	5	11	11	NUM
fsr-3305	411	6	or	or	CCONJ
fsr-3305	411	7	more	more	ADJ
fsr-3305	411	8	39	39	NUM
fsr-3305	411	9	.	.	PUNCT
fsr-3305	412	1	do	do	AUX
fsr-3305	412	2	you	you	PRON
fsr-3305	412	3	feel	feel	VERB
fsr-3305	412	4	more	more	ADV
fsr-3305	412	5	comfortable	comfortable	ADJ
fsr-3305	412	6	interacting	interact	VERB
fsr-3305	412	7	with	with	ADP
fsr-3305	412	8	someone	someone	PRON
fsr-3305	412	9	about	about	ADP
fsr-3305	412	10	your	your	PRON
fsr-3305	412	11	finance	finance	NOUN
fsr-3305	412	12	in	in	ADP
fsr-3305	412	13	person	person	NOUN
fsr-3305	412	14	or	or	CCONJ
fsr-3305	412	15	via	via	ADP
fsr-3305	412	16	a	a	DET
fsr-3305	412	17	technology	technology	NOUN
fsr-3305	412	18	based	base	VERB
fsr-3305	412	19	platform	platform	NOUN
fsr-3305	412	20	?	?	PUNCT
fsr-3305	413	1	a.	a.	NOUN
fsr-3305	413	2	in	in	ADP
fsr-3305	413	3	person	person	PROPN
fsr-3305	413	4	b.	b.	PROPN
fsr-3305	413	5	technology	technology	NOUN
fsr-3305	413	6	-	-	PUNCT
fsr-3305	413	7	based	base	VERB
fsr-3305	413	8	40	40	NUM
fsr-3305	413	9	.	.	PUNCT
fsr-3305	414	1	how	how	SCONJ
fsr-3305	414	2	many	many	ADJ
fsr-3305	414	3	credit	credit	NOUN
fsr-3305	414	4	cards	card	NOUN
fsr-3305	414	5	do	do	AUX
fsr-3305	414	6	you	you	PRON
fsr-3305	414	7	own	own	VERB
fsr-3305	414	8	?	?	PUNCT
fsr-3305	415	1	a.	a.	NOUN
fsr-3305	415	2	0	0	PROPN
fsr-3305	415	3	b.	b.	PROPN
fsr-3305	415	4	1	1	NUM
fsr-3305	415	5	c.	c.	PROPN
fsr-3305	415	6	2	2	NUM
fsr-3305	415	7	d.	d.	PROPN
fsr-3305	415	8	3	3	NUM
fsr-3305	415	9	e.	e.	PROPN
fsr-3305	415	10	4	4	NUM
fsr-3305	415	11	or	or	CCONJ
fsr-3305	415	12	more	more	ADJ
fsr-3305	415	13	thank	thank	VERB
fsr-3305	415	14	you	you	PRON
fsr-3305	415	15	!	!	PUNCT
fsr-3305	415	16	!	!	PUNCT
fsr-3305	415	17	!	!	PUNCT
fsr-3305	416	1	references	reference	NOUN
fsr-3305	416	2	almlund	almlund	PROPN
fsr-3305	416	3	,	,	PUNCT
fsr-3305	416	4	m.	m.	NOUN
fsr-3305	416	5	,	,	PUNCT
fsr-3305	416	6	duckworth	duckworth	NOUN
fsr-3305	416	7	,	,	PUNCT
fsr-3305	416	8	a.	a.	PROPN
fsr-3305	416	9	l.	l.	PROPN
fsr-3305	416	10	,	,	PUNCT
fsr-3305	416	11	heckman	heckman	PROPN
fsr-3305	416	12	,	,	PUNCT
fsr-3305	416	13	j.	j.	PROPN
fsr-3305	416	14	j.	j.	PROPN
fsr-3305	416	15	,	,	PUNCT
fsr-3305	416	16	&	&	CCONJ
fsr-3305	416	17	kautz	kautz	PROPN
fsr-3305	416	18	,	,	PUNCT
fsr-3305	416	19	t.	t.	PROPN
fsr-3305	416	20	d.	d.	PROPN
fsr-3305	416	21	(	(	PUNCT
fsr-3305	416	22	2011	2011	NUM
fsr-3305	416	23	)	)	PUNCT
fsr-3305	416	24	.	.	PUNCT
fsr-3305	417	1	personality	personality	NOUN
fsr-3305	417	2	psychology	psychology	NOUN
fsr-3305	417	3	and	and	CCONJ
fsr-3305	417	4	economics	economic	NOUN
fsr-3305	417	5	(	(	PUNCT
fsr-3305	417	6	no	no	INTJ
fsr-3305	417	7	.	.	PUNCT
fsr-3305	418	1	w16822	w16822	NOUN
fsr-3305	418	2	)	)	PUNCT
fsr-3305	418	3	.	.	PUNCT
fsr-3305	419	1	national	national	PROPN
fsr-3305	419	2	bureau	bureau	PROPN
fsr-3305	419	3	of	of	ADP
fsr-3305	419	4	economic	economic	ADJ
fsr-3305	419	5	research	research	NOUN
fsr-3305	419	6	.	.	PUNCT
fsr-3305	420	1	bernheim	bernheim	PROPN
fsr-3305	420	2	,	,	PUNCT
fsr-3305	420	3	d.	d.	PROPN
fsr-3305	420	4	(	(	PUNCT
fsr-3305	420	5	1995	1995	NUM
fsr-3305	420	6	)	)	PUNCT
fsr-3305	420	7	.	.	PUNCT
fsr-3305	421	1	do	do	AUX
fsr-3305	421	2	households	household	NOUN
fsr-3305	421	3	appreciate	appreciate	VERB
fsr-3305	421	4	their	their	PRON
fsr-3305	421	5	financial	financial	ADJ
fsr-3305	421	6	vulnerabilities	vulnerability	NOUN
fsr-3305	421	7	?	?	PUNCT
fsr-3305	422	1	an	an	DET
fsr-3305	422	2	analysis	analysis	NOUN
fsr-3305	422	3	of	of	ADP
fsr-3305	422	4	actions	action	NOUN
fsr-3305	422	5	,	,	PUNCT
fsr-3305	422	6	perceptions	perception	NOUN
fsr-3305	422	7	,	,	PUNCT
fsr-3305	422	8	and	and	CCONJ
fsr-3305	422	9	public	public	ADJ
fsr-3305	422	10	policy	policy	NOUN
fsr-3305	422	11	.	.	PUNCT
fsr-3305	423	1	tax	tax	NOUN
fsr-3305	423	2	policy	policy	NOUN
fsr-3305	423	3	and	and	CCONJ
fsr-3305	423	4	economic	economic	ADJ
fsr-3305	423	5	growth	growth	NOUN
fsr-3305	423	6	,	,	PUNCT
fsr-3305	423	7	3	3	NUM
fsr-3305	423	8	,	,	PUNCT
fsr-3305	423	9	11–13	11–13	NUM
fsr-3305	423	10	.	.	PUNCT
fsr-3305	423	11	bernheim	bernheim	PROPN
fsr-3305	423	12	,	,	PUNCT
fsr-3305	423	13	d.	d.	PROPN
fsr-3305	423	14	(	(	PUNCT
fsr-3305	423	15	1998	1998	NUM
fsr-3305	423	16	)	)	PUNCT
fsr-3305	423	17	.	.	PUNCT
fsr-3305	424	1	financial	financial	ADJ
fsr-3305	424	2	illiteracy	illiteracy	PROPN
fsr-3305	424	3	,	,	PUNCT
fsr-3305	424	4	education	education	NOUN
fsr-3305	424	5	,	,	PUNCT
fsr-3305	424	6	and	and	CCONJ
fsr-3305	424	7	retirement	retirement	NOUN
fsr-3305	424	8	saving	saving	NOUN
fsr-3305	424	9	(	(	PUNCT
fsr-3305	424	10	no	no	INTJ
fsr-3305	424	11	.	.	NOUN
fsr-3305	425	1	96	96	NUM
fsr-3305	425	2	-	-	SYM
fsr-3305	425	3	7	7	NUM
fsr-3305	425	4	)	)	PUNCT
fsr-3305	425	5	.	.	PUNCT
fsr-3305	426	1	wharton	wharton	PROPN
fsr-3305	426	2	school	school	NOUN
fsr-3305	426	3	pension	pension	NOUN
fsr-3305	426	4	research	research	NOUN
fsr-3305	426	5	council	council	PROPN
fsr-3305	426	6	,	,	PUNCT
fsr-3305	426	7	university	university	PROPN
fsr-3305	426	8	of	of	ADP
fsr-3305	426	9	pennsylvania	pennsylvania	PROPN
fsr-3305	426	10	.	.	PUNCT
fsr-3305	427	1	bernanke	bernanke	PROPN
fsr-3305	427	2	,	,	PUNCT
fsr-3305	427	3	b.	b.	PROPN
fsr-3305	427	4	s.	s.	PROPN
fsr-3305	427	5	(	(	PUNCT
fsr-3305	427	6	2013	2013	NUM
fsr-3305	427	7	)	)	PUNCT
fsr-3305	427	8	.	.	PUNCT
fsr-3305	428	1	financial	financial	ADJ
fsr-3305	428	2	and	and	CCONJ
fsr-3305	428	3	economic	economic	ADJ
fsr-3305	428	4	education	education	NOUN
fsr-3305	428	5	:	:	PUNCT
fsr-3305	428	6	a	a	DET
fsr-3305	428	7	speech	speech	NOUN
fsr-3305	428	8	at	at	ADP
fsr-3305	428	9	the	the	DET
fsr-3305	428	10	13th	13th	ADJ
fsr-3305	428	11	annual	annual	ADJ
fsr-3305	428	12	redefining	redefine	VERB
fsr-3305	428	13	investment	investment	NOUN
fsr-3305	428	14	strategy	strategy	NOUN
fsr-3305	428	15	education	education	NOUN
fsr-3305	428	16	(	(	PUNCT
fsr-3305	428	17	rise	rise	NOUN
fsr-3305	428	18	)	)	PUNCT
fsr-3305	428	19	forum	forum	PROPN
fsr-3305	428	20	,	,	PUNCT
fsr-3305	428	21	dayton	dayton	PROPN
fsr-3305	428	22	,	,	PUNCT
fsr-3305	428	23	ohio	ohio	PROPN
fsr-3305	428	24	(	(	PUNCT
fsr-3305	428	25	via	via	ADP
fsr-3305	428	26	prerecorded	prerecord	VERB
fsr-3305	428	27	video	video	NOUN
fsr-3305	428	28	)	)	PUNCT
fsr-3305	428	29	,	,	PUNCT
fsr-3305	428	30	april	april	PROPN
fsr-3305	428	31	4	4	NUM
fsr-3305	428	32	,	,	PUNCT
fsr-3305	428	33	2013	2013	NUM
fsr-3305	428	34	(	(	PUNCT
fsr-3305	428	35	no	no	NOUN
fsr-3305	428	36	.	.	NOUN
fsr-3305	428	37	626	626	NUM
fsr-3305	428	38	)	)	PUNCT
fsr-3305	428	39	.	.	PUNCT
fsr-3305	429	1	board	board	NOUN
fsr-3305	429	2	of	of	ADP
fsr-3305	429	3	governors	governor	NOUN
fsr-3305	429	4	of	of	ADP
fsr-3305	429	5	the	the	DET
fsr-3305	429	6	federal	federal	PROPN
fsr-3305	429	7	reserve	reserve	PROPN
fsr-3305	429	8	system	system	NOUN
fsr-3305	429	9	(	(	PUNCT
fsr-3305	429	10	us	us	PROPN
fsr-3305	429	11	)	)	PUNCT
fsr-3305	429	12	.	.	PUNCT
fsr-3305	430	1	boisclair	boisclair	PROPN
fsr-3305	430	2	,	,	PUNCT
fsr-3305	430	3	d.	d.	PROPN
fsr-3305	430	4	,	,	PUNCT
fsr-3305	430	5	lusardi	lusardi	PROPN
fsr-3305	430	6	,	,	PUNCT
fsr-3305	430	7	a.	a.	PROPN
fsr-3305	430	8	,	,	PUNCT
fsr-3305	430	9	&	&	CCONJ
fsr-3305	430	10	michaud	michaud	PROPN
fsr-3305	430	11	,	,	PUNCT
fsr-3305	430	12	p.	p.	PROPN
fsr-3305	430	13	c.	c.	PROPN
fsr-3305	431	1	(	(	PUNCT
fsr-3305	431	2	2014	2014	NUM
fsr-3305	431	3	)	)	PUNCT
fsr-3305	431	4	.	.	PUNCT
fsr-3305	432	1	financial	financial	ADJ
fsr-3305	432	2	literacy	literacy	NOUN
fsr-3305	432	3	and	and	CCONJ
fsr-3305	432	4	retirement	retirement	NOUN
fsr-3305	432	5	planning	planning	NOUN
fsr-3305	432	6	in	in	ADP
fsr-3305	432	7	canada	canada	PROPN
fsr-3305	432	8	.	.	PUNCT
fsr-3305	433	1	journal	journal	PROPN
fsr-3305	433	2	of	of	ADP
fsr-3305	433	3	pension	pension	NOUN
fsr-3305	433	4	economics	economic	NOUN
fsr-3305	433	5	and	and	CCONJ
fsr-3305	433	6	finance	finance	NOUN
fsr-3305	433	7	,	,	PUNCT
fsr-3305	433	8	16	16	NUM
fsr-3305	433	9	,	,	PUNCT
fsr-3305	433	10	1–20	1–20	PROPN
fsr-3305	433	11	.	.	PUNCT
fsr-3305	433	12	brandstatter	brandstatter	PROPN
fsr-3305	433	13	,	,	PUNCT
fsr-3305	433	14	h.	h.	PROPN
fsr-3305	433	15	(	(	PUNCT
fsr-3305	433	16	1996	1996	NUM
fsr-3305	433	17	)	)	PUNCT
fsr-3305	433	18	.	.	PUNCT
fsr-3305	434	1	saving	saving	NOUN
fsr-3305	434	2	,	,	PUNCT
fsr-3305	434	3	income	income	NOUN
fsr-3305	434	4	,	,	PUNCT
fsr-3305	434	5	and	and	CCONJ
fsr-3305	434	6	emotional	emotional	ADJ
fsr-3305	434	7	climate	climate	NOUN
fsr-3305	434	8	of	of	ADP
fsr-3305	434	9	households	household	NOUN
fsr-3305	434	10	related	relate	VERB
fsr-3305	434	11	to	to	ADP
fsr-3305	434	12	personality	personality	NOUN
fsr-3305	434	13	structure	structure	NOUN
fsr-3305	434	14	.	.	PUNCT
fsr-3305	435	1	center	center	NOUN
fsr-3305	435	2	for	for	ADP
fsr-3305	435	3	economic	economic	ADJ
fsr-3305	435	4	research	research	NOUN
fsr-3305	435	5	,	,	PUNCT
fsr-3305	435	6	tilburg	tilburg	PROPN
fsr-3305	435	7	university	university	NOUN
fsr-3305	435	8	,	,	PUNCT
fsr-3305	435	9	progress	progress	NOUN
fsr-3305	435	10	report	report	NOUN
fsr-3305	435	11	no	no	INTJ
fsr-3305	435	12	.	.	PROPN
fsr-3305	436	1	38	38	NUM
fsr-3305	436	2	.	.	PUNCT
fsr-3305	437	1	163r.n	163r.n	NUM
fsr-3305	437	2	.	.	PUNCT
fsr-3305	438	1	killins	killins	PROPN
fsr-3305	438	2	/	/	SYM
fsr-3305	438	3	financial	financial	ADJ
fsr-3305	438	4	services	service	NOUN
fsr-3305	438	5	review	review	VERB
fsr-3305	438	6	26	26	NUM
fsr-3305	438	7	(	(	PUNCT
fsr-3305	438	8	2017	2017	NUM
fsr-3305	438	9	)	)	PUNCT
fsr-3305	438	10	143–165	143–165	NUM
fsr-3305	438	11	brosdahl	brosdahl	NOUN
fsr-3305	438	12	,	,	PUNCT
fsr-3305	438	13	d.	d.	PROPN
fsr-3305	438	14	j.	j.	PROPN
fsr-3305	438	15	,	,	PUNCT
fsr-3305	438	16	&	&	CCONJ
fsr-3305	438	17	carpenter	carpenter	PROPN
fsr-3305	438	18	,	,	PUNCT
fsr-3305	438	19	j.	j.	PROPN
fsr-3305	438	20	m.	m.	PROPN
fsr-3305	438	21	(	(	PUNCT
fsr-3305	438	22	2011	2011	NUM
fsr-3305	438	23	)	)	PUNCT
fsr-3305	438	24	.	.	PUNCT
fsr-3305	439	1	shopping	shopping	NOUN
fsr-3305	439	2	orientations	orientation	NOUN
fsr-3305	439	3	of	of	ADP
fsr-3305	439	4	us	us	PROPN
fsr-3305	439	5	males	male	NOUN
fsr-3305	439	6	:	:	PUNCT
fsr-3305	439	7	a	a	DET
fsr-3305	439	8	generational	generational	ADJ
fsr-3305	439	9	cohort	cohort	NOUN
fsr-3305	439	10	comparison	comparison	NOUN
fsr-3305	439	11	.	.	PUNCT
fsr-3305	440	1	journal	journal	NOUN
fsr-3305	440	2	of	of	ADP
fsr-3305	440	3	retailing	retailing	NOUN
fsr-3305	440	4	and	and	CCONJ
fsr-3305	440	5	consumer	consumer	NOUN
fsr-3305	440	6	services	service	NOUN
fsr-3305	440	7	,	,	PUNCT
fsr-3305	440	8	18	18	NUM
fsr-3305	440	9	,	,	PUNCT
fsr-3305	440	10	548–554	548–554	NUM
fsr-3305	440	11	.	.	PUNCT
fsr-3305	441	1	buckland	buckland	PROPN
fsr-3305	441	2	,	,	PUNCT
fsr-3305	441	3	j.	j.	PROPN
fsr-3305	441	4	(	(	PUNCT
fsr-3305	441	5	2010	2010	NUM
fsr-3305	441	6	)	)	PUNCT
fsr-3305	441	7	.	.	PUNCT
fsr-3305	441	8	are	be	AUX
fsr-3305	441	9	low	low	ADJ
fsr-3305	441	10	-	-	PUNCT
fsr-3305	441	11	income	income	NOUN
fsr-3305	441	12	canadians	canadian	NOUN
fsr-3305	441	13	financially	financially	ADV
fsr-3305	441	14	literate	literate	ADJ
fsr-3305	441	15	?	?	PUNCT
fsr-3305	442	1	placing	place	VERB
fsr-3305	442	2	financial	financial	ADJ
fsr-3305	442	3	literacy	literacy	NOUN
fsr-3305	442	4	in	in	ADP
fsr-3305	442	5	the	the	DET
fsr-3305	442	6	context	context	NOUN
fsr-3305	442	7	of	of	ADP
fsr-3305	442	8	personal	personal	ADJ
fsr-3305	442	9	and	and	CCONJ
fsr-3305	442	10	structural	structural	ADJ
fsr-3305	442	11	constraints	constraint	NOUN
fsr-3305	442	12	.	.	PUNCT
fsr-3305	443	1	adult	adult	NOUN
fsr-3305	443	2	education	education	NOUN
fsr-3305	443	3	quarterly	quarterly	ADV
fsr-3305	443	4	,	,	PUNCT
fsr-3305	443	5	60	60	NUM
fsr-3305	443	6	,	,	PUNCT
fsr-3305	443	7	357–376	357–376	NUM
fsr-3305	443	8	.	.	PUNCT
fsr-3305	444	1	chen	chen	PROPN
fsr-3305	444	2	,	,	PUNCT
fsr-3305	444	3	h.	h.	PROPN
fsr-3305	444	4	,	,	PUNCT
fsr-3305	444	5	&	&	CCONJ
fsr-3305	444	6	volpe	volpe	PROPN
fsr-3305	444	7	,	,	PUNCT
fsr-3305	444	8	r.	r.	PROPN
fsr-3305	444	9	p.	p.	PROPN
fsr-3305	444	10	(	(	PUNCT
fsr-3305	444	11	1998	1998	NUM
fsr-3305	444	12	)	)	PUNCT
fsr-3305	444	13	.	.	PUNCT
fsr-3305	445	1	an	an	DET
fsr-3305	445	2	analysis	analysis	NOUN
fsr-3305	445	3	of	of	ADP
fsr-3305	445	4	personal	personal	ADJ
fsr-3305	445	5	financial	financial	ADJ
fsr-3305	445	6	literacy	literacy	NOUN
fsr-3305	445	7	among	among	ADP
fsr-3305	445	8	college	college	NOUN
fsr-3305	445	9	students	student	NOUN
fsr-3305	445	10	.	.	PUNCT
fsr-3305	446	1	financial	financial	ADJ
fsr-3305	446	2	services	service	NOUN
fsr-3305	446	3	review	review	PROPN
fsr-3305	446	4	,	,	PUNCT
fsr-3305	446	5	7	7	NUM
fsr-3305	446	6	,	,	PUNCT
fsr-3305	446	7	107–128	107–128	NUM
fsr-3305	446	8	.	.	PUNCT
fsr-3305	447	1	chen	chen	PROPN
fsr-3305	447	2	,	,	PUNCT
fsr-3305	447	3	h.	h.	PROPN
fsr-3305	447	4	,	,	PUNCT
fsr-3305	447	5	&	&	CCONJ
fsr-3305	447	6	volpe	volpe	PROPN
fsr-3305	447	7	,	,	PUNCT
fsr-3305	447	8	r.	r.	PROPN
fsr-3305	447	9	p.	p.	PROPN
fsr-3305	447	10	(	(	PUNCT
fsr-3305	447	11	2002	2002	NUM
fsr-3305	447	12	)	)	PUNCT
fsr-3305	447	13	.	.	PUNCT
fsr-3305	448	1	gender	gender	NOUN
fsr-3305	448	2	differences	difference	NOUN
fsr-3305	448	3	in	in	ADP
fsr-3305	448	4	personal	personal	ADJ
fsr-3305	448	5	financial	financial	ADJ
fsr-3305	448	6	literacy	literacy	NOUN
fsr-3305	448	7	among	among	ADP
fsr-3305	448	8	college	college	NOUN
fsr-3305	448	9	students	student	NOUN
fsr-3305	448	10	.	.	PUNCT
fsr-3305	449	1	financial	financial	ADJ
fsr-3305	449	2	services	service	NOUN
fsr-3305	449	3	review	review	PROPN
fsr-3305	449	4	,	,	PUNCT
fsr-3305	449	5	11	11	NUM
fsr-3305	449	6	,	,	PUNCT
fsr-3305	449	7	289–307	289–307	NUM
fsr-3305	449	8	.	.	PUNCT
fsr-3305	450	1	collins	collins	PROPN
fsr-3305	450	2	,	,	PUNCT
fsr-3305	450	3	j.	j.	PROPN
fsr-3305	450	4	m.	m.	PROPN
fsr-3305	450	5	(	(	PUNCT
fsr-3305	450	6	2012	2012	NUM
fsr-3305	450	7	)	)	PUNCT
fsr-3305	450	8	.	.	PUNCT
fsr-3305	451	1	financial	financial	ADJ
fsr-3305	451	2	advice	advice	NOUN
fsr-3305	451	3	:	:	PUNCT
fsr-3305	451	4	a	a	DET
fsr-3305	451	5	substitute	substitute	NOUN
fsr-3305	451	6	for	for	ADP
fsr-3305	451	7	financial	financial	ADJ
fsr-3305	451	8	literacy	literacy	NOUN
fsr-3305	451	9	?	?	PUNCT
fsr-3305	452	1	financial	financial	ADJ
fsr-3305	452	2	services	service	NOUN
fsr-3305	452	3	review	review	PROPN
fsr-3305	452	4	,	,	PUNCT
fsr-3305	452	5	21	21	NUM
fsr-3305	452	6	,	,	PUNCT
fsr-3305	452	7	307–322	307–322	NUM
fsr-3305	452	8	.	.	PUNCT
fsr-3305	453	1	connor	connor	NOUN
fsr-3305	453	2	-	-	PUNCT
fsr-3305	453	3	smith	smith	PROPN
fsr-3305	453	4	,	,	PUNCT
fsr-3305	453	5	j.	j.	PROPN
fsr-3305	453	6	k.	k.	PROPN
fsr-3305	453	7	,	,	PUNCT
fsr-3305	453	8	&	&	CCONJ
fsr-3305	453	9	flachsbart	flachsbart	PROPN
fsr-3305	453	10	,	,	PUNCT
fsr-3305	453	11	c.	c.	PROPN
fsr-3305	453	12	(	(	PUNCT
fsr-3305	453	13	2007	2007	NUM
fsr-3305	453	14	)	)	PUNCT
fsr-3305	453	15	.	.	PUNCT
fsr-3305	454	1	relations	relation	NOUN
fsr-3305	454	2	between	between	ADP
fsr-3305	454	3	personality	personality	NOUN
fsr-3305	454	4	and	and	CCONJ
fsr-3305	454	5	coping	cope	VERB
fsr-3305	454	6	:	:	PUNCT
fsr-3305	454	7	a	a	DET
fsr-3305	454	8	meta	meta	ADJ
fsr-3305	454	9	-	-	PUNCT
fsr-3305	454	10	analysis	analysis	NOUN
fsr-3305	454	11	.	.	PUNCT
fsr-3305	455	1	journal	journal	NOUN
fsr-3305	455	2	of	of	ADP
fsr-3305	455	3	personality	personality	NOUN
fsr-3305	455	4	and	and	CCONJ
fsr-3305	455	5	social	social	ADJ
fsr-3305	455	6	psychology	psychology	NOUN
fsr-3305	455	7	,	,	PUNCT
fsr-3305	455	8	93	93	NUM
fsr-3305	455	9	,	,	PUNCT
fsr-3305	455	10	1080–1107	1080–1107	NUM
fsr-3305	455	11	.	.	PUNCT
fsr-3305	456	1	cudmore	cudmore	ADV
fsr-3305	456	2	,	,	PUNCT
fsr-3305	456	3	b.	b.	PROPN
fsr-3305	456	4	a.	a.	PROPN
fsr-3305	456	5	,	,	PUNCT
fsr-3305	456	6	patton	patton	PROPN
fsr-3305	456	7	,	,	PUNCT
fsr-3305	456	8	j.	j.	PROPN
fsr-3305	456	9	,	,	PUNCT
fsr-3305	456	10	ng	ng	PROPN
fsr-3305	456	11	,	,	PUNCT
fsr-3305	456	12	k.	k.	PROPN
fsr-3305	456	13	,	,	PUNCT
fsr-3305	456	14	&	&	CCONJ
fsr-3305	456	15	mcclure	mcclure	PROPN
fsr-3305	456	16	,	,	PUNCT
fsr-3305	456	17	c.	c.	PROPN
fsr-3305	456	18	(	(	PUNCT
fsr-3305	456	19	2010	2010	NUM
fsr-3305	456	20	)	)	PUNCT
fsr-3305	456	21	.	.	PUNCT
fsr-3305	457	1	the	the	DET
fsr-3305	457	2	millennials	millennial	NOUN
fsr-3305	457	3	and	and	CCONJ
fsr-3305	457	4	money	money	NOUN
fsr-3305	457	5	management	management	NOUN
fsr-3305	457	6	.	.	PUNCT
fsr-3305	458	1	journal	journal	PROPN
fsr-3305	458	2	of	of	ADP
fsr-3305	458	3	management	management	NOUN
fsr-3305	458	4	and	and	CCONJ
fsr-3305	458	5	marketing	marketing	NOUN
fsr-3305	458	6	research	research	NOUN
fsr-3305	458	7	,	,	PUNCT
fsr-3305	458	8	4	4	NUM
fsr-3305	458	9	,	,	PUNCT
fsr-3305	458	10	1–28	1–28	PROPN
fsr-3305	458	11	.	.	PUNCT
fsr-3305	459	1	davis	davis	PROPN
fsr-3305	459	2	,	,	PUNCT
fsr-3305	459	3	k.	k.	PROPN
fsr-3305	459	4	,	,	PUNCT
fsr-3305	459	5	&	&	CCONJ
fsr-3305	459	6	runyan	runyan	PROPN
fsr-3305	459	7	,	,	PUNCT
fsr-3305	459	8	r.	r.	PROPN
fsr-3305	459	9	c.	c.	PROPN
fsr-3305	459	10	(	(	PUNCT
fsr-3305	459	11	2016	2016	NUM
fsr-3305	459	12	)	)	PUNCT
fsr-3305	459	13	.	.	PUNCT
fsr-3305	460	1	personality	personality	NOUN
fsr-3305	460	2	traits	trait	NOUN
fsr-3305	460	3	and	and	CCONJ
fsr-3305	460	4	financial	financial	ADJ
fsr-3305	460	5	satisfaction	satisfaction	NOUN
fsr-3305	460	6	:	:	PUNCT
fsr-3305	460	7	investigation	investigation	NOUN
fsr-3305	460	8	of	of	ADP
fsr-3305	460	9	a	a	DET
fsr-3305	460	10	hierarchical	hierarchical	ADJ
fsr-3305	460	11	approach	approach	NOUN
fsr-3305	460	12	.	.	PUNCT
fsr-3305	461	1	journal	journal	NOUN
fsr-3305	461	2	of	of	ADP
fsr-3305	461	3	financial	financial	ADJ
fsr-3305	461	4	counseling	counseling	NOUN
fsr-3305	461	5	and	and	CCONJ
fsr-3305	461	6	planning	planning	NOUN
fsr-3305	461	7	,	,	PUNCT
fsr-3305	461	8	27	27	NUM
fsr-3305	461	9	,	,	PUNCT
fsr-3305	461	10	47–60	47–60	NOUN
fsr-3305	461	11	.	.	PUNCT
fsr-3305	462	1	drolet	drolet	PROPN
fsr-3305	462	2	,	,	PUNCT
fsr-3305	462	3	m.	m.	NOUN
fsr-3305	462	4	(	(	PUNCT
fsr-3305	462	5	2016	2016	NUM
fsr-3305	462	6	)	)	PUNCT
fsr-3305	462	7	.	.	PUNCT
fsr-3305	463	1	gender	gender	NOUN
fsr-3305	463	2	differences	difference	NOUN
fsr-3305	463	3	in	in	ADP
fsr-3305	463	4	the	the	DET
fsr-3305	463	5	financial	financial	ADJ
fsr-3305	463	6	knowledge	knowledge	NOUN
fsr-3305	463	7	of	of	ADP
fsr-3305	463	8	canadians	canadians	PROPN
fsr-3305	463	9	.	.	PUNCT
fsr-3305	464	1	statistics	statistics	PROPN
fsr-3305	464	2	canada	canada	PROPN
fsr-3305	464	3	.	.	PUNCT
fsr-3305	465	1	available	available	ADJ
fsr-3305	465	2	at	at	ADP
fsr-3305	465	3	http://publications.gc.ca/collections/collection_2016/statcan/75-006-x/75-006-20	http://publications.gc.ca/collections/collection_2016/statcan/75-006-x/75-006-20	PROPN
fsr-3305	465	4	fernandes	fernandes	PROPN
fsr-3305	465	5	,	,	PUNCT
fsr-3305	465	6	d.	d.	PROPN
fsr-3305	465	7	,	,	PUNCT
fsr-3305	465	8	lynch	lynch	PROPN
fsr-3305	465	9	jr	jr	PROPN
fsr-3305	465	10	.	.	PROPN
fsr-3305	465	11	,	,	PUNCT
fsr-3305	465	12	j.	j.	PROPN
fsr-3305	465	13	g.	g.	PROPN
fsr-3305	465	14	,	,	PUNCT
fsr-3305	465	15	&	&	CCONJ
fsr-3305	465	16	netemeyer	netemeyer	PROPN
fsr-3305	465	17	,	,	PUNCT
fsr-3305	465	18	r.	r.	PROPN
fsr-3305	465	19	g.	g.	PROPN
fsr-3305	465	20	(	(	PUNCT
fsr-3305	465	21	2014	2014	NUM
fsr-3305	465	22	)	)	PUNCT
fsr-3305	465	23	.	.	PUNCT
fsr-3305	466	1	financial	financial	ADJ
fsr-3305	466	2	literacy	literacy	NOUN
fsr-3305	466	3	,	,	PUNCT
fsr-3305	466	4	financial	financial	ADJ
fsr-3305	466	5	education	education	NOUN
fsr-3305	466	6	,	,	PUNCT
fsr-3305	466	7	and	and	CCONJ
fsr-3305	466	8	downstream	downstream	ADJ
fsr-3305	466	9	financial	financial	ADJ
fsr-3305	466	10	behaviors	behavior	NOUN
fsr-3305	466	11	.	.	PUNCT
fsr-3305	467	1	management	management	NOUN
fsr-3305	467	2	science	science	NOUN
fsr-3305	467	3	,	,	PUNCT
fsr-3305	467	4	60	60	NUM
fsr-3305	467	5	,	,	PUNCT
fsr-3305	467	6	1861–1883	1861–1883	NUM
fsr-3305	467	7	.	.	PUNCT
fsr-3305	468	1	garcia	garcia	PROPN
fsr-3305	468	2	,	,	PUNCT
fsr-3305	468	3	m.	m.	PROPN
fsr-3305	468	4	j.	j.	PROPN
fsr-3305	468	5	r.	r.	PROPN
fsr-3305	468	6	(	(	PUNCT
fsr-3305	468	7	2011	2011	NUM
fsr-3305	468	8	)	)	PUNCT
fsr-3305	468	9	.	.	PUNCT
fsr-3305	469	1	financial	financial	ADJ
fsr-3305	469	2	education	education	NOUN
fsr-3305	469	3	and	and	CCONJ
fsr-3305	469	4	behavioral	behavioral	ADJ
fsr-3305	469	5	finance	finance	NOUN
fsr-3305	469	6	:	:	PUNCT
fsr-3305	469	7	new	new	ADJ
fsr-3305	469	8	insights	insight	NOUN
fsr-3305	469	9	into	into	ADP
fsr-3305	469	10	the	the	DET
fsr-3305	469	11	role	role	NOUN
fsr-3305	469	12	of	of	ADP
fsr-3305	469	13	information	information	NOUN
fsr-3305	469	14	in	in	ADP
fsr-3305	469	15	financial	financial	ADJ
fsr-3305	469	16	decisions	decision	NOUN
fsr-3305	469	17	.	.	PUNCT
fsr-3305	470	1	journal	journal	NOUN
fsr-3305	470	2	of	of	ADP
fsr-3305	470	3	economic	economic	ADJ
fsr-3305	470	4	surveys	survey	NOUN
fsr-3305	470	5	,	,	PUNCT
fsr-3305	470	6	27	27	NUM
fsr-3305	470	7	,	,	PUNCT
fsr-3305	470	8	297–315	297–315	NUM
fsr-3305	470	9	.	.	PUNCT
fsr-3305	471	1	goldberg	goldberg	PROPN
fsr-3305	471	2	,	,	PUNCT
fsr-3305	471	3	l.	l.	PROPN
fsr-3305	471	4	r.	r.	PROPN
fsr-3305	471	5	,	,	PUNCT
fsr-3305	471	6	sweeney	sweeney	PROPN
fsr-3305	471	7	,	,	PUNCT
fsr-3305	471	8	d.	d.	PROPN
fsr-3305	471	9	,	,	PUNCT
fsr-3305	471	10	merenda	merenda	PROPN
fsr-3305	471	11	,	,	PUNCT
fsr-3305	471	12	p.	p.	PROPN
fsr-3305	471	13	f.	f.	PROPN
fsr-3305	471	14	,	,	PUNCT
fsr-3305	471	15	&	&	CCONJ
fsr-3305	471	16	hughes	hughes	PROPN
fsr-3305	471	17	,	,	PUNCT
fsr-3305	471	18	j.	j.	PROPN
fsr-3305	471	19	e.	e.	PROPN
fsr-3305	471	20	(	(	PUNCT
fsr-3305	471	21	1998	1998	NUM
fsr-3305	471	22	)	)	PUNCT
fsr-3305	471	23	.	.	PUNCT
fsr-3305	472	1	demographic	demographic	ADJ
fsr-3305	472	2	variables	variable	NOUN
fsr-3305	472	3	and	and	CCONJ
fsr-3305	472	4	personality	personality	NOUN
fsr-3305	472	5	:	:	PUNCT
fsr-3305	472	6	the	the	DET
fsr-3305	472	7	effects	effect	NOUN
fsr-3305	472	8	of	of	ADP
fsr-3305	472	9	gender	gender	NOUN
fsr-3305	472	10	,	,	PUNCT
fsr-3305	472	11	age	age	NOUN
fsr-3305	472	12	,	,	PUNCT
fsr-3305	472	13	education	education	NOUN
fsr-3305	472	14	,	,	PUNCT
fsr-3305	472	15	and	and	CCONJ
fsr-3305	472	16	ethnic	ethnic	ADJ
fsr-3305	472	17	/	/	SYM
fsr-3305	472	18	racial	racial	ADJ
fsr-3305	472	19	status	status	NOUN
fsr-3305	472	20	on	on	ADP
fsr-3305	472	21	self	self	NOUN
fsr-3305	472	22	-	-	PUNCT
fsr-3305	472	23	descriptions	description	NOUN
fsr-3305	472	24	of	of	ADP
fsr-3305	472	25	personality	personality	NOUN
fsr-3305	472	26	attributes	attribute	VERB
fsr-3305	472	27	.	.	PUNCT
fsr-3305	473	1	personality	personality	NOUN
fsr-3305	473	2	and	and	CCONJ
fsr-3305	473	3	individual	individual	ADJ
fsr-3305	473	4	differences	difference	NOUN
fsr-3305	473	5	,	,	PUNCT
fsr-3305	473	6	24	24	NUM
fsr-3305	473	7	,	,	PUNCT
fsr-3305	473	8	393–403	393–403	NUM
fsr-3305	473	9	.	.	PUNCT
fsr-3305	474	1	harrison	harrison	PROPN
fsr-3305	474	2	,	,	PUNCT
fsr-3305	474	3	n.	n.	NOUN
fsr-3305	474	4	,	,	PUNCT
fsr-3305	474	5	&	&	CCONJ
fsr-3305	474	6	chudry	chudry	PROPN
fsr-3305	474	7	,	,	PUNCT
fsr-3305	474	8	f.	f.	PROPN
fsr-3305	474	9	(	(	PUNCT
fsr-3305	474	10	2011	2011	NUM
fsr-3305	474	11	)	)	PUNCT
fsr-3305	474	12	.	.	PUNCT
fsr-3305	475	1	overactive	overactive	ADJ
fsr-3305	475	2	,	,	PUNCT
fsr-3305	475	3	overwrought	overwrought	ADJ
fsr-3305	475	4	or	or	CCONJ
fsr-3305	475	5	overdrawn	overdrawn	ADJ
fsr-3305	475	6	?	?	PUNCT
fsr-3305	476	1	the	the	DET
fsr-3305	476	2	role	role	NOUN
fsr-3305	476	3	of	of	ADP
fsr-3305	476	4	personality	personality	NOUN
fsr-3305	476	5	in	in	ADP
fsr-3305	476	6	undergraduate	undergraduate	ADJ
fsr-3305	476	7	financial	financial	ADJ
fsr-3305	476	8	knowledge	knowledge	NOUN
fsr-3305	476	9	,	,	PUNCT
fsr-3305	476	10	decision	decision	NOUN
fsr-3305	476	11	-	-	PUNCT
fsr-3305	476	12	making	making	NOUN
fsr-3305	476	13	and	and	CCONJ
fsr-3305	476	14	debt	debt	NOUN
fsr-3305	476	15	.	.	PUNCT
fsr-3305	477	1	journal	journal	NOUN
fsr-3305	477	2	of	of	ADP
fsr-3305	477	3	further	further	ADJ
fsr-3305	477	4	and	and	CCONJ
fsr-3305	477	5	higher	high	ADJ
fsr-3305	477	6	education	education	NOUN
fsr-3305	477	7	,	,	PUNCT
fsr-3305	477	8	35	35	NUM
fsr-3305	477	9	,	,	PUNCT
fsr-3305	477	10	149–182	149–182	NUM
fsr-3305	477	11	.	.	PUNCT
fsr-3305	478	1	howe	howe	PROPN
fsr-3305	478	2	,	,	PUNCT
fsr-3305	478	3	n.	n.	NOUN
fsr-3305	478	4	,	,	PUNCT
fsr-3305	478	5	&	&	CCONJ
fsr-3305	478	6	strauss	strauss	PROPN
fsr-3305	478	7	,	,	PUNCT
fsr-3305	478	8	w.	w.	PROPN
fsr-3305	478	9	(	(	PUNCT
fsr-3305	478	10	2009	2009	NUM
fsr-3305	478	11	)	)	PUNCT
fsr-3305	478	12	.	.	PUNCT
fsr-3305	479	1	millennials	millennial	NOUN
fsr-3305	479	2	rising	rise	VERB
fsr-3305	479	3	:	:	PUNCT
fsr-3305	479	4	the	the	DET
fsr-3305	479	5	next	next	ADJ
fsr-3305	479	6	great	great	ADJ
fsr-3305	479	7	generation	generation	NOUN
fsr-3305	479	8	.	.	PUNCT
fsr-3305	480	1	new	new	PROPN
fsr-3305	480	2	york	york	PROPN
fsr-3305	480	3	,	,	PUNCT
fsr-3305	480	4	ny	ny	PROPN
fsr-3305	480	5	:	:	PUNCT
fsr-3305	480	6	vintage	vintage	NOUN
fsr-3305	480	7	.	.	PUNCT
fsr-3305	481	1	immordino	immordino	NOUN
fsr-3305	481	2	-	-	PUNCT
fsr-3305	481	3	yang	yang	PROPN
fsr-3305	481	4	,	,	PUNCT
fsr-3305	481	5	m.	m.	PROPN
fsr-3305	481	6	h.	h.	PROPN
fsr-3305	481	7	,	,	PUNCT
fsr-3305	481	8	christodoulou	christodoulou	PROPN
fsr-3305	481	9	,	,	PUNCT
fsr-3305	481	10	j.	j.	PROPN
fsr-3305	481	11	a.	a.	PROPN
fsr-3305	481	12	,	,	PUNCT
fsr-3305	481	13	&	&	CCONJ
fsr-3305	481	14	singh	singh	PROPN
fsr-3305	481	15	,	,	PUNCT
fsr-3305	481	16	v.(2012	v.(2012	NOUN
fsr-3305	481	17	)	)	PUNCT
fsr-3305	481	18	.	.	PUNCT
fsr-3305	482	1	rest	rest	NOUN
fsr-3305	482	2	is	be	AUX
fsr-3305	482	3	not	not	PART
fsr-3305	482	4	idleness	idleness	NOUN
fsr-3305	482	5	:	:	PUNCT
fsr-3305	482	6	implications	implication	NOUN
fsr-3305	482	7	of	of	ADP
fsr-3305	482	8	the	the	DET
fsr-3305	482	9	brain	brain	NOUN
fsr-3305	482	10	’s	’s	PART
fsr-3305	482	11	default	default	NOUN
fsr-3305	482	12	mode	mode	NOUN
fsr-3305	482	13	for	for	ADP
fsr-3305	482	14	human	human	ADJ
fsr-3305	482	15	development	development	NOUN
fsr-3305	482	16	and	and	CCONJ
fsr-3305	482	17	education	education	NOUN
fsr-3305	482	18	,	,	PUNCT
fsr-3305	482	19	perspectives	perspective	NOUN
fsr-3305	482	20	on	on	ADP
fsr-3305	482	21	psychological	psychological	ADJ
fsr-3305	482	22	science	science	NOUN
fsr-3305	482	23	,	,	PUNCT
fsr-3305	482	24	7	7	NUM
fsr-3305	482	25	,	,	PUNCT
fsr-3305	482	26	352–364	352–364	NUM
fsr-3305	482	27	.	.	PUNCT
fsr-3305	483	1	john	john	PROPN
fsr-3305	483	2	,	,	PUNCT
fsr-3305	483	3	o.	o.	PROPN
fsr-3305	483	4	p.	p.	PROPN
fsr-3305	483	5	,	,	PUNCT
fsr-3305	483	6	donahue	donahue	PROPN
fsr-3305	483	7	,	,	PUNCT
fsr-3305	483	8	e.	e.	PROPN
fsr-3305	483	9	m.	m.	PROPN
fsr-3305	483	10	,	,	PUNCT
fsr-3305	483	11	&	&	CCONJ
fsr-3305	483	12	kentle	kentle	PROPN
fsr-3305	483	13	,	,	PUNCT
fsr-3305	483	14	r.	r.	PROPN
fsr-3305	483	15	l.	l.	PROPN
fsr-3305	483	16	(	(	PUNCT
fsr-3305	483	17	1991	1991	NUM
fsr-3305	483	18	)	)	PUNCT
fsr-3305	483	19	.	.	PUNCT
fsr-3305	484	1	the	the	DET
fsr-3305	484	2	big	big	ADJ
fsr-3305	484	3	five	five	NUM
fsr-3305	484	4	inventory	inventory	NOUN
fsr-3305	484	5	–	–	PUNCT
fsr-3305	484	6	versions	version	NOUN
fsr-3305	484	7	4a	4a	NOUN
fsr-3305	484	8	and	and	CCONJ
fsr-3305	484	9	54	54	NUM
fsr-3305	484	10	.	.	PUNCT
fsr-3305	484	11	berkeley	berkeley	PROPN
fsr-3305	484	12	,	,	PUNCT
fsr-3305	484	13	ca	ca	PROPN
fsr-3305	484	14	:	:	PUNCT
fsr-3305	484	15	university	university	PROPN
fsr-3305	484	16	of	of	ADP
fsr-3305	484	17	california	california	PROPN
fsr-3305	484	18	,	,	PUNCT
fsr-3305	484	19	berkeley	berkeley	PROPN
fsr-3305	484	20	,	,	PUNCT
fsr-3305	484	21	institute	institute	NOUN
fsr-3305	484	22	of	of	ADP
fsr-3305	484	23	personality	personality	NOUN
fsr-3305	484	24	and	and	CCONJ
fsr-3305	484	25	social	social	ADJ
fsr-3305	484	26	research	research	NOUN
fsr-3305	484	27	.	.	PUNCT
fsr-3305	485	1	john	john	PROPN
fsr-3305	485	2	,	,	PUNCT
fsr-3305	485	3	o.	o.	PROPN
fsr-3305	485	4	p.	p.	PROPN
fsr-3305	485	5	,	,	PUNCT
fsr-3305	485	6	naumann	naumann	PROPN
fsr-3305	485	7	,	,	PUNCT
fsr-3305	485	8	l.	l.	PROPN
fsr-3305	485	9	p.	p.	PROPN
fsr-3305	485	10	,	,	PUNCT
fsr-3305	485	11	&	&	CCONJ
fsr-3305	485	12	soto	soto	PROPN
fsr-3305	485	13	,	,	PUNCT
fsr-3305	485	14	c.	c.	PROPN
fsr-3305	485	15	j.	j.	PROPN
fsr-3305	485	16	(	(	PUNCT
fsr-3305	485	17	2008	2008	NUM
fsr-3305	485	18	)	)	PUNCT
fsr-3305	485	19	.	.	PUNCT
fsr-3305	486	1	paradigm	paradigm	NOUN
fsr-3305	486	2	shift	shift	NOUN
fsr-3305	486	3	to	to	ADP
fsr-3305	486	4	the	the	DET
fsr-3305	486	5	integrative	integrative	ADJ
fsr-3305	486	6	big	big	ADJ
fsr-3305	486	7	five	five	NUM
fsr-3305	486	8	trait	trait	NOUN
fsr-3305	486	9	taxonomy	taxonomy	NOUN
fsr-3305	486	10	:	:	PUNCT
fsr-3305	486	11	history	history	NOUN
fsr-3305	486	12	,	,	PUNCT
fsr-3305	486	13	measurement	measurement	NOUN
fsr-3305	486	14	,	,	PUNCT
fsr-3305	486	15	and	and	CCONJ
fsr-3305	486	16	conceptual	conceptual	ADJ
fsr-3305	486	17	issues	issue	NOUN
fsr-3305	486	18	.	.	PUNCT
fsr-3305	487	1	in	in	ADP
fsr-3305	487	2	o.	o.	PROPN
fsr-3305	487	3	p.	p.	PROPN
fsr-3305	487	4	john	john	PROPN
fsr-3305	487	5	,	,	PUNCT
fsr-3305	487	6	r.	r.	PROPN
fsr-3305	487	7	w.	w.	PROPN
fsr-3305	487	8	robins	robins	PROPN
fsr-3305	487	9	,	,	PUNCT
fsr-3305	487	10	&	&	CCONJ
fsr-3305	487	11	l.	l.	PROPN
fsr-3305	487	12	a.	a.	PROPN
fsr-3305	487	13	pervin	pervin	NOUN
fsr-3305	487	14	(	(	PUNCT
fsr-3305	487	15	eds	ed	NOUN
fsr-3305	487	16	.	.	PUNCT
fsr-3305	487	17	)	)	PUNCT
fsr-3305	487	18	,	,	PUNCT
fsr-3305	487	19	handbook	handbook	NOUN
fsr-3305	487	20	of	of	ADP
fsr-3305	487	21	personality	personality	NOUN
fsr-3305	487	22	:	:	PUNCT
fsr-3305	487	23	theory	theory	NOUN
fsr-3305	487	24	and	and	CCONJ
fsr-3305	487	25	research	research	NOUN
fsr-3305	487	26	(	(	PUNCT
fsr-3305	487	27	pp	pp	ADJ
fsr-3305	487	28	.	.	PUNCT
fsr-3305	488	1	114–158	114–158	NUM
fsr-3305	488	2	)	)	PUNCT
fsr-3305	488	3	.	.	PUNCT
fsr-3305	489	1	new	new	PROPN
fsr-3305	489	2	york	york	PROPN
fsr-3305	489	3	,	,	PUNCT
fsr-3305	489	4	ny	ny	PROPN
fsr-3305	489	5	:	:	PUNCT
fsr-3305	489	6	guilford	guilford	PROPN
fsr-3305	489	7	press	press	PROPN
fsr-3305	489	8	.	.	PUNCT
fsr-3305	490	1	john	john	PROPN
fsr-3305	490	2	,	,	PUNCT
fsr-3305	490	3	o.	o.	PROPN
fsr-3305	490	4	p.	p.	PROPN
fsr-3305	490	5	,	,	PUNCT
fsr-3305	490	6	&	&	CCONJ
fsr-3305	490	7	srivastava	srivastava	PROPN
fsr-3305	490	8	,	,	PUNCT
fsr-3305	490	9	s.	s.	PROPN
fsr-3305	490	10	(	(	PUNCT
fsr-3305	490	11	1999	1999	NUM
fsr-3305	490	12	)	)	PUNCT
fsr-3305	490	13	.	.	PUNCT
fsr-3305	491	1	the	the	DET
fsr-3305	491	2	big	big	ADJ
fsr-3305	491	3	five	five	NUM
fsr-3305	491	4	trait	trait	NOUN
fsr-3305	491	5	taxonomy	taxonomy	NOUN
fsr-3305	491	6	:	:	PUNCT
fsr-3305	491	7	history	history	NOUN
fsr-3305	491	8	,	,	PUNCT
fsr-3305	491	9	measurement	measurement	NOUN
fsr-3305	491	10	,	,	PUNCT
fsr-3305	491	11	and	and	CCONJ
fsr-3305	491	12	theoretical	theoretical	ADJ
fsr-3305	491	13	perspectives	perspective	NOUN
fsr-3305	491	14	.	.	PUNCT
fsr-3305	492	1	handbook	handbook	NOUN
fsr-3305	492	2	of	of	ADP
fsr-3305	492	3	personality	personality	NOUN
fsr-3305	492	4	:	:	PUNCT
fsr-3305	492	5	theory	theory	NOUN
fsr-3305	492	6	and	and	CCONJ
fsr-3305	492	7	research	research	NOUN
fsr-3305	492	8	,	,	PUNCT
fsr-3305	492	9	2	2	NUM
fsr-3305	492	10	,	,	PUNCT
fsr-3305	492	11	102–138	102–138	NUM
fsr-3305	492	12	.	.	PUNCT
fsr-3305	493	1	kahneman	kahneman	PROPN
fsr-3305	493	2	,	,	PUNCT
fsr-3305	493	3	d.	d.	PROPN
fsr-3305	493	4	,	,	PUNCT
fsr-3305	493	5	&	&	CCONJ
fsr-3305	493	6	tversky	tversky	PROPN
fsr-3305	493	7	,	,	PUNCT
fsr-3305	493	8	a.	a.	NOUN
fsr-3305	493	9	(	(	PUNCT
fsr-3305	493	10	2000	2000	NUM
fsr-3305	493	11	)	)	PUNCT
fsr-3305	493	12	.	.	PUNCT
fsr-3305	494	1	choices	choice	NOUN
fsr-3305	494	2	,	,	PUNCT
fsr-3305	494	3	values	value	NOUN
fsr-3305	494	4	,	,	PUNCT
fsr-3305	494	5	and	and	CCONJ
fsr-3305	494	6	frames	frame	NOUN
fsr-3305	494	7	.	.	PUNCT
fsr-3305	495	1	cambridge	cambridge	PROPN
fsr-3305	495	2	,	,	PUNCT
fsr-3305	495	3	uk	uk	PROPN
fsr-3305	495	4	:	:	PUNCT
fsr-3305	495	5	cambridge	cambridge	PROPN
fsr-3305	495	6	university	university	PROPN
fsr-3305	495	7	press	press	NOUN
fsr-3305	495	8	.	.	PUNCT
fsr-3305	496	1	lusardi	lusardi	PROPN
fsr-3305	496	2	,	,	PUNCT
fsr-3305	496	3	a.	a.	NOUN
fsr-3305	496	4	(	(	PUNCT
fsr-3305	496	5	2008	2008	NUM
fsr-3305	496	6	)	)	PUNCT
fsr-3305	496	7	.	.	PUNCT
fsr-3305	497	1	household	household	NOUN
fsr-3305	497	2	saving	saving	NOUN
fsr-3305	497	3	behavior	behavior	NOUN
fsr-3305	497	4	:	:	PUNCT
fsr-3305	497	5	the	the	DET
fsr-3305	497	6	role	role	NOUN
fsr-3305	497	7	of	of	ADP
fsr-3305	497	8	financial	financial	ADJ
fsr-3305	497	9	literacy	literacy	NOUN
fsr-3305	497	10	,	,	PUNCT
fsr-3305	497	11	information	information	NOUN
fsr-3305	497	12	,	,	PUNCT
fsr-3305	497	13	and	and	CCONJ
fsr-3305	497	14	financial	financial	ADJ
fsr-3305	497	15	education	education	NOUN
fsr-3305	497	16	programs	program	NOUN
fsr-3305	497	17	(	(	PUNCT
fsr-3305	497	18	no	no	INTJ
fsr-3305	497	19	.	.	PUNCT
fsr-3305	498	1	w13824	w13824	NOUN
fsr-3305	498	2	)	)	PUNCT
fsr-3305	498	3	.	.	PUNCT
fsr-3305	499	1	national	national	PROPN
fsr-3305	499	2	bureau	bureau	PROPN
fsr-3305	499	3	of	of	ADP
fsr-3305	499	4	economic	economic	ADJ
fsr-3305	499	5	research	research	NOUN
fsr-3305	499	6	.	.	PUNCT
fsr-3305	500	1	lusardi	lusardi	PROPN
fsr-3305	500	2	,	,	PUNCT
fsr-3305	500	3	a.	a.	NOUN
fsr-3305	500	4	(	(	PUNCT
fsr-3305	500	5	2015	2015	NUM
fsr-3305	500	6	)	)	PUNCT
fsr-3305	500	7	.	.	PUNCT
fsr-3305	501	1	financial	financial	ADJ
fsr-3305	501	2	literacy	literacy	NOUN
fsr-3305	501	3	:	:	PUNCT
fsr-3305	501	4	do	do	AUX
fsr-3305	501	5	people	people	NOUN
fsr-3305	501	6	know	know	VERB
fsr-3305	501	7	the	the	DET
fsr-3305	501	8	abcs	abc	NOUN
fsr-3305	501	9	of	of	ADP
fsr-3305	501	10	finance	finance	NOUN
fsr-3305	501	11	?	?	PUNCT
fsr-3305	502	1	public	public	ADJ
fsr-3305	502	2	understanding	understanding	NOUN
fsr-3305	502	3	of	of	ADP
fsr-3305	502	4	science	science	NOUN
fsr-3305	502	5	,	,	PUNCT
fsr-3305	502	6	24	24	NUM
fsr-3305	502	7	,	,	PUNCT
fsr-3305	502	8	260–271	260–271	NUM
fsr-3305	502	9	.	.	PUNCT
fsr-3305	503	1	lusardi	lusardi	PROPN
fsr-3305	503	2	,	,	PUNCT
fsr-3305	503	3	a.	a.	PROPN
fsr-3305	503	4	,	,	PUNCT
fsr-3305	503	5	&	&	CCONJ
fsr-3305	503	6	mitchell	mitchell	PROPN
fsr-3305	503	7	,	,	PUNCT
fsr-3305	503	8	o.	o.	PROPN
fsr-3305	503	9	(	(	PUNCT
fsr-3305	503	10	2007	2007	NUM
fsr-3305	503	11	)	)	PUNCT
fsr-3305	503	12	.	.	PUNCT
fsr-3305	504	1	financial	financial	ADJ
fsr-3305	504	2	literacy	literacy	NOUN
fsr-3305	504	3	and	and	CCONJ
fsr-3305	504	4	retirement	retirement	NOUN
fsr-3305	504	5	preparedness	preparedness	NOUN
fsr-3305	504	6	:	:	PUNCT
fsr-3305	504	7	evidence	evidence	NOUN
fsr-3305	504	8	and	and	CCONJ
fsr-3305	504	9	implications	implication	NOUN
fsr-3305	504	10	for	for	ADP
fsr-3305	504	11	financial	financial	ADJ
fsr-3305	504	12	education	education	NOUN
fsr-3305	504	13	.	.	PUNCT
fsr-3305	505	1	business	business	NOUN
fsr-3305	505	2	economics	economic	NOUN
fsr-3305	505	3	,	,	PUNCT
fsr-3305	505	4	42	42	NUM
fsr-3305	505	5	,	,	PUNCT
fsr-3305	505	6	35–44	35–44	NUM
fsr-3305	505	7	.	.	PUNCT
fsr-3305	505	8	lusardi	lusardi	PROPN
fsr-3305	505	9	,	,	PUNCT
fsr-3305	505	10	a.	a.	PROPN
fsr-3305	505	11	,	,	PUNCT
fsr-3305	505	12	&	&	CCONJ
fsr-3305	505	13	mitchell	mitchell	PROPN
fsr-3305	505	14	,	,	PUNCT
fsr-3305	505	15	o.	o.	PROPN
fsr-3305	505	16	s.	s.	PROPN
fsr-3305	505	17	(	(	PUNCT
fsr-3305	505	18	2011a	2011a	NUM
fsr-3305	505	19	)	)	PUNCT
fsr-3305	505	20	financial	financial	ADJ
fsr-3305	505	21	literacy	literacy	NOUN
fsr-3305	505	22	and	and	CCONJ
fsr-3305	505	23	retirement	retirement	NOUN
fsr-3305	505	24	planning	planning	NOUN
fsr-3305	505	25	in	in	ADP
fsr-3305	505	26	the	the	DET
fsr-3305	505	27	united	united	PROPN
fsr-3305	505	28	states	states	PROPN
fsr-3305	505	29	.	.	PUNCT
fsr-3305	506	1	journal	journal	PROPN
fsr-3305	506	2	of	of	ADP
fsr-3305	506	3	pension	pension	NOUN
fsr-3305	506	4	economics	economic	NOUN
fsr-3305	506	5	and	and	CCONJ
fsr-3305	506	6	finance	finance	NOUN
fsr-3305	506	7	,	,	PUNCT
fsr-3305	506	8	10	10	NUM
fsr-3305	506	9	,	,	PUNCT
fsr-3305	506	10	509–525	509–525	NUM
fsr-3305	506	11	.	.	PUNCT
fsr-3305	507	1	lusardi	lusardi	PROPN
fsr-3305	507	2	,	,	PUNCT
fsr-3305	507	3	a.	a.	PROPN
fsr-3305	507	4	,	,	PUNCT
fsr-3305	507	5	&	&	CCONJ
fsr-3305	507	6	mitchell	mitchell	PROPN
fsr-3305	507	7	,	,	PUNCT
fsr-3305	507	8	o.	o.	PROPN
fsr-3305	507	9	s.	s.	PROPN
fsr-3305	507	10	(	(	PUNCT
fsr-3305	507	11	2011b	2011b	NUM
fsr-3305	507	12	)	)	PUNCT
fsr-3305	507	13	.	.	PUNCT
fsr-3305	508	1	financial	financial	ADJ
fsr-3305	508	2	literacy	literacy	NOUN
fsr-3305	508	3	around	around	ADP
fsr-3305	508	4	the	the	DET
fsr-3305	508	5	world	world	NOUN
fsr-3305	508	6	:	:	PUNCT
fsr-3305	508	7	an	an	DET
fsr-3305	508	8	overview	overview	NOUN
fsr-3305	508	9	.	.	PUNCT
fsr-3305	509	1	journal	journal	NOUN
fsr-3305	509	2	of	of	ADP
fsr-3305	509	3	pension	pension	NOUN
fsr-3305	509	4	economics	economic	NOUN
fsr-3305	509	5	and	and	CCONJ
fsr-3305	509	6	finance	finance	NOUN
fsr-3305	509	7	,	,	PUNCT
fsr-3305	509	8	10	10	NUM
fsr-3305	509	9	,	,	PUNCT
fsr-3305	509	10	497–508	497–508	NUM
fsr-3305	509	11	.	.	NOUN
fsr-3305	510	1	164	164	NUM
fsr-3305	510	2	r.n	r.n	PROPN
fsr-3305	510	3	.	.	PROPN
fsr-3305	510	4	killins	killins	PROPN
fsr-3305	510	5	/	/	SYM
fsr-3305	510	6	financial	financial	ADJ
fsr-3305	510	7	services	service	NOUN
fsr-3305	510	8	review	review	VERB
fsr-3305	510	9	26	26	NUM
fsr-3305	510	10	(	(	PUNCT
fsr-3305	510	11	2017	2017	NUM
fsr-3305	510	12	)	)	PUNCT
fsr-3305	510	13	143–165	143–165	NUM
fsr-3305	510	14	lusardi	lusardi	NOUN
fsr-3305	510	15	,	,	PUNCT
fsr-3305	510	16	a.	a.	PROPN
fsr-3305	510	17	,	,	PUNCT
fsr-3305	510	18	&	&	CCONJ
fsr-3305	510	19	mitchell	mitchell	PROPN
fsr-3305	510	20	,	,	PUNCT
fsr-3305	510	21	o.	o.	PROPN
fsr-3305	510	22	s.	s.	PROPN
fsr-3305	510	23	(	(	PUNCT
fsr-3305	510	24	2014	2014	NUM
fsr-3305	510	25	)	)	PUNCT
fsr-3305	510	26	.	.	PUNCT
fsr-3305	511	1	the	the	DET
fsr-3305	511	2	economic	economic	ADJ
fsr-3305	511	3	importance	importance	NOUN
fsr-3305	511	4	of	of	ADP
fsr-3305	511	5	financial	financial	ADJ
fsr-3305	511	6	literacy	literacy	NOUN
fsr-3305	511	7	:	:	PUNCT
fsr-3305	511	8	theory	theory	NOUN
fsr-3305	511	9	and	and	CCONJ
fsr-3305	511	10	evidence	evidence	NOUN
fsr-3305	511	11	.	.	PUNCT
fsr-3305	512	1	journal	journal	NOUN
fsr-3305	512	2	of	of	ADP
fsr-3305	512	3	economic	economic	ADJ
fsr-3305	512	4	literature	literature	NOUN
fsr-3305	512	5	,	,	PUNCT
fsr-3305	512	6	52	52	NUM
fsr-3305	512	7	,	,	PUNCT
fsr-3305	512	8	5–44	5–44	PROPN
fsr-3305	512	9	.	.	PROPN
fsr-3305	512	10	lusardi	lusardi	PROPN
fsr-3305	512	11	,	,	PUNCT
fsr-3305	512	12	a.	a.	PROPN
fsr-3305	512	13	,	,	PUNCT
fsr-3305	512	14	mitchell	mitchell	PROPN
fsr-3305	512	15	,	,	PUNCT
fsr-3305	512	16	o.	o.	PROPN
fsr-3305	512	17	s.	s.	PROPN
fsr-3305	512	18	,	,	PUNCT
fsr-3305	512	19	&	&	CCONJ
fsr-3305	512	20	curto	curto	PROPN
fsr-3305	512	21	,	,	PUNCT
fsr-3305	512	22	v.	v.	PROPN
fsr-3305	512	23	(	(	PUNCT
fsr-3305	512	24	2010	2010	NUM
fsr-3305	512	25	)	)	PUNCT
fsr-3305	512	26	.	.	PUNCT
fsr-3305	513	1	financial	financial	ADJ
fsr-3305	513	2	literacy	literacy	NOUN
fsr-3305	513	3	among	among	ADP
fsr-3305	513	4	the	the	DET
fsr-3305	513	5	young	young	ADJ
fsr-3305	513	6	.	.	PUNCT
fsr-3305	514	1	journal	journal	PROPN
fsr-3305	514	2	of	of	ADP
fsr-3305	514	3	consumer	consumer	NOUN
fsr-3305	514	4	affairs	affair	NOUN
fsr-3305	514	5	,	,	PUNCT
fsr-3305	514	6	44	44	NUM
fsr-3305	514	7	,	,	PUNCT
fsr-3305	514	8	358–380	358–380	NUM
fsr-3305	514	9	.	.	PUNCT
fsr-3305	515	1	lusardi	lusardi	PROPN
fsr-3305	515	2	,	,	PUNCT
fsr-3305	515	3	a.	a.	PROPN
fsr-3305	515	4	,	,	PUNCT
fsr-3305	515	5	&	&	CCONJ
fsr-3305	515	6	tufano	tufano	ADJ
fsr-3305	515	7	,	,	PUNCT
fsr-3305	515	8	p.	p.	NOUN
fsr-3305	515	9	(	(	PUNCT
fsr-3305	515	10	2009	2009	NUM
fsr-3305	515	11	)	)	PUNCT
fsr-3305	515	12	.	.	PUNCT
fsr-3305	516	1	debt	debt	NOUN
fsr-3305	516	2	literacy	literacy	NOUN
fsr-3305	516	3	,	,	PUNCT
fsr-3305	516	4	financial	financial	ADJ
fsr-3305	516	5	experiences	experience	NOUN
fsr-3305	516	6	,	,	PUNCT
fsr-3305	516	7	and	and	CCONJ
fsr-3305	516	8	overindebtedness	overindebtedness	NOUN
fsr-3305	516	9	(	(	PUNCT
fsr-3305	516	10	no	no	INTJ
fsr-3305	516	11	.	.	PUNCT
fsr-3305	517	1	w14808	w14808	NOUN
fsr-3305	517	2	)	)	PUNCT
fsr-3305	517	3	.	.	PUNCT
fsr-3305	518	1	national	national	PROPN
fsr-3305	518	2	bureau	bureau	PROPN
fsr-3305	518	3	of	of	ADP
fsr-3305	518	4	economic	economic	ADJ
fsr-3305	518	5	research	research	NOUN
fsr-3305	518	6	.	.	PUNCT
fsr-3305	519	1	mandell	mandell	PROPN
fsr-3305	519	2	,	,	PUNCT
fsr-3305	519	3	l.	l.	PROPN
fsr-3305	519	4	(	(	PUNCT
fsr-3305	519	5	2008	2008	NUM
fsr-3305	519	6	)	)	PUNCT
fsr-3305	519	7	.	.	PUNCT
fsr-3305	520	1	the	the	DET
fsr-3305	520	2	financial	financial	ADJ
fsr-3305	520	3	literacy	literacy	NOUN
fsr-3305	520	4	of	of	ADP
fsr-3305	520	5	young	young	ADJ
fsr-3305	520	6	american	american	ADJ
fsr-3305	520	7	adults	adult	NOUN
fsr-3305	520	8	:	:	PUNCT
fsr-3305	520	9	results	result	NOUN
fsr-3305	520	10	of	of	ADP
fsr-3305	520	11	the	the	DET
fsr-3305	520	12	2008	2008	NUM
fsr-3305	520	13	national	national	ADJ
fsr-3305	520	14	jump	jump	VERB
fsr-3305	520	15	$	$	SYM
fsr-3305	520	16	tart	tart	NOUN
fsr-3305	520	17	coalition	coalition	NOUN
fsr-3305	520	18	survey	survey	NOUN
fsr-3305	520	19	of	of	ADP
fsr-3305	520	20	high	high	ADJ
fsr-3305	520	21	school	school	NOUN
fsr-3305	520	22	seniors	senior	NOUN
fsr-3305	520	23	and	and	CCONJ
fsr-3305	520	24	college	college	NOUN
fsr-3305	520	25	students	student	NOUN
fsr-3305	520	26	.	.	PUNCT
fsr-3305	521	1	washington	washington	PROPN
fsr-3305	521	2	,	,	PUNCT
fsr-3305	521	3	dc	dc	PROPN
fsr-3305	521	4	:	:	PUNCT
fsr-3305	521	5	the	the	DET
fsr-3305	521	6	jump	jump	VERB
fsr-3305	521	7	$	$	SYM
fsr-3305	521	8	tart	tart	NOUN
fsr-3305	521	9	coalition	coalition	NOUN
fsr-3305	521	10	for	for	ADP
fsr-3305	521	11	personal	personal	ADJ
fsr-3305	521	12	financial	financial	ADJ
fsr-3305	521	13	literacy	literacy	NOUN
fsr-3305	521	14	.	.	PUNCT
fsr-3305	522	1	mandell	mandell	PROPN
fsr-3305	522	2	,	,	PUNCT
fsr-3305	522	3	l.	l.	PROPN
fsr-3305	522	4	,	,	PUNCT
fsr-3305	522	5	&	&	CCONJ
fsr-3305	522	6	klein	klein	PROPN
fsr-3305	522	7	,	,	PUNCT
fsr-3305	522	8	l.	l.	PROPN
fsr-3305	522	9	s.	s.	PROPN
fsr-3305	522	10	(	(	PUNCT
fsr-3305	522	11	2007	2007	NUM
fsr-3305	522	12	)	)	PUNCT
fsr-3305	522	13	.	.	PUNCT
fsr-3305	523	1	motivation	motivation	NOUN
fsr-3305	523	2	and	and	CCONJ
fsr-3305	523	3	financial	financial	ADJ
fsr-3305	523	4	literacy	literacy	NOUN
fsr-3305	523	5	.	.	PUNCT
fsr-3305	524	1	financial	financial	ADJ
fsr-3305	524	2	services	service	NOUN
fsr-3305	524	3	review	review	PROPN
fsr-3305	524	4	,	,	PUNCT
fsr-3305	524	5	16	16	NUM
fsr-3305	524	6	,	,	PUNCT
fsr-3305	524	7	105–116	105–116	NUM
fsr-3305	524	8	.	.	PUNCT
fsr-3305	525	1	mayfield	mayfield	PROPN
fsr-3305	525	2	,	,	PUNCT
fsr-3305	525	3	c.	c.	PROPN
fsr-3305	525	4	,	,	PUNCT
fsr-3305	525	5	perdue	perdue	PROPN
fsr-3305	525	6	,	,	PUNCT
fsr-3305	525	7	g.	g.	PROPN
fsr-3305	525	8	,	,	PUNCT
fsr-3305	525	9	&	&	CCONJ
fsr-3305	525	10	wooten	wooten	PROPN
fsr-3305	525	11	,	,	PUNCT
fsr-3305	525	12	k.	k.	PROPN
fsr-3305	525	13	(	(	PUNCT
fsr-3305	525	14	2008	2008	NUM
fsr-3305	525	15	)	)	PUNCT
fsr-3305	525	16	.	.	PUNCT
fsr-3305	526	1	investment	investment	NOUN
fsr-3305	526	2	management	management	NOUN
fsr-3305	526	3	and	and	CCONJ
fsr-3305	526	4	personality	personality	NOUN
fsr-3305	526	5	type	type	NOUN
fsr-3305	526	6	.	.	PUNCT
fsr-3305	527	1	financial	financial	ADJ
fsr-3305	527	2	services	services	PROPN
fsr-3305	527	3	review	review	PROPN
fsr-3305	527	4	,	,	PUNCT
fsr-3305	527	5	17	17	NUM
fsr-3305	527	6	,	,	PUNCT
fsr-3305	527	7	219–236	219–236	NUM
fsr-3305	527	8	.	.	PUNCT
fsr-3305	528	1	mccrae	mccrae	PROPN
fsr-3305	528	2	,	,	PUNCT
fsr-3305	528	3	r.	r.	PROPN
fsr-3305	528	4	r.	r.	PROPN
fsr-3305	528	5	,	,	PUNCT
fsr-3305	528	6	&	&	CCONJ
fsr-3305	528	7	costa	costa	PROPN
fsr-3305	528	8	,	,	PUNCT
fsr-3305	528	9	p.	p.	NOUN
fsr-3305	528	10	t.	t.	PROPN
fsr-3305	528	11	(	(	PUNCT
fsr-3305	528	12	2010	2010	NUM
fsr-3305	528	13	)	)	PUNCT
fsr-3305	528	14	.	.	PUNCT
fsr-3305	529	1	neo	neo	NOUN
fsr-3305	529	2	inventories	inventory	NOUN
fsr-3305	529	3	professional	professional	ADJ
fsr-3305	529	4	manual	manual	NOUN
fsr-3305	529	5	.	.	PUNCT
fsr-3305	530	1	odessa	odessa	ADJ
fsr-3305	530	2	,	,	PUNCT
fsr-3305	530	3	fl	fl	ADJ
fsr-3305	530	4	:	:	PUNCT
fsr-3305	530	5	psychological	psychological	ADJ
fsr-3305	530	6	assessment	assessment	NOUN
fsr-3305	530	7	resources	resource	NOUN
fsr-3305	530	8	.	.	PUNCT
fsr-3305	531	1	ng	ng	PROPN
fsr-3305	531	2	,	,	PUNCT
fsr-3305	531	3	e.	e.	PROPN
fsr-3305	531	4	s.	s.	PROPN
fsr-3305	531	5	,	,	PUNCT
fsr-3305	531	6	schweitzer	schweitzer	PROPN
fsr-3305	531	7	,	,	PUNCT
fsr-3305	531	8	l.	l.	PROPN
fsr-3305	531	9	,	,	PUNCT
fsr-3305	531	10	&	&	CCONJ
fsr-3305	531	11	lyons	lyons	PROPN
fsr-3305	531	12	,	,	PUNCT
fsr-3305	531	13	s.	s.	PROPN
fsr-3305	531	14	t.	t.	PROPN
fsr-3305	531	15	(	(	PUNCT
fsr-3305	531	16	2010	2010	NUM
fsr-3305	531	17	)	)	PUNCT
fsr-3305	531	18	.	.	PUNCT
fsr-3305	532	1	new	new	ADJ
fsr-3305	532	2	generation	generation	NOUN
fsr-3305	532	3	,	,	PUNCT
fsr-3305	532	4	great	great	ADJ
fsr-3305	532	5	expectations	expectation	NOUN
fsr-3305	532	6	:	:	PUNCT
fsr-3305	532	7	a	a	DET
fsr-3305	532	8	field	field	NOUN
fsr-3305	532	9	study	study	NOUN
fsr-3305	532	10	of	of	ADP
fsr-3305	532	11	the	the	DET
fsr-3305	532	12	millennial	millennial	ADJ
fsr-3305	532	13	generation	generation	NOUN
fsr-3305	532	14	.	.	PUNCT
fsr-3305	533	1	journal	journal	NOUN
fsr-3305	533	2	of	of	ADP
fsr-3305	533	3	business	business	NOUN
fsr-3305	533	4	and	and	CCONJ
fsr-3305	533	5	psychology	psychology	NOUN
fsr-3305	533	6	,	,	PUNCT
fsr-3305	533	7	25	25	NUM
fsr-3305	533	8	,	,	PUNCT
fsr-3305	533	9	281–292	281–292	NUM
fsr-3305	533	10	.	.	PUNCT
fsr-3305	534	1	noftle	noftle	NOUN
fsr-3305	534	2	,	,	PUNCT
fsr-3305	534	3	e.	e.	PROPN
fsr-3305	534	4	e.	e.	PROPN
fsr-3305	534	5	,	,	PUNCT
fsr-3305	534	6	&	&	CCONJ
fsr-3305	534	7	robins	robins	PROPN
fsr-3305	534	8	,	,	PUNCT
fsr-3305	534	9	r.	r.	PROPN
fsr-3305	534	10	w.	w.	PROPN
fsr-3305	534	11	(	(	PUNCT
fsr-3305	534	12	2007	2007	NUM
fsr-3305	534	13	)	)	PUNCT
fsr-3305	534	14	.	.	PUNCT
fsr-3305	535	1	personality	personality	NOUN
fsr-3305	535	2	predictors	predictor	NOUN
fsr-3305	535	3	of	of	ADP
fsr-3305	535	4	academic	academic	ADJ
fsr-3305	535	5	outcomes	outcome	NOUN
fsr-3305	535	6	:	:	PUNCT
fsr-3305	535	7	big	big	ADJ
fsr-3305	535	8	five	five	NUM
fsr-3305	535	9	correlates	correlate	NOUN
fsr-3305	535	10	of	of	ADP
fsr-3305	535	11	gpa	gpa	PROPN
fsr-3305	535	12	and	and	CCONJ
fsr-3305	535	13	sat	sit	VERB
fsr-3305	535	14	scores	score	NOUN
fsr-3305	535	15	.	.	PUNCT
fsr-3305	536	1	journal	journal	NOUN
fsr-3305	536	2	of	of	ADP
fsr-3305	536	3	personality	personality	NOUN
fsr-3305	536	4	and	and	CCONJ
fsr-3305	536	5	social	social	ADJ
fsr-3305	536	6	psychology	psychology	NOUN
fsr-3305	536	7	,	,	PUNCT
fsr-3305	536	8	93	93	NUM
fsr-3305	536	9	,	,	PUNCT
fsr-3305	536	10	116–130	116–130	NUM
fsr-3305	536	11	.	.	PUNCT
fsr-3305	537	1	robb	robb	NOUN
fsr-3305	537	2	,	,	PUNCT
fsr-3305	537	3	c.	c.	PROPN
fsr-3305	537	4	a.	a.	PROPN
fsr-3305	537	5	,	,	PUNCT
fsr-3305	537	6	&	&	CCONJ
fsr-3305	537	7	woodyard	woodyard	PROPN
fsr-3305	537	8	,	,	PUNCT
fsr-3305	537	9	a.	a.	PROPN
fsr-3305	537	10	s.	s.	PROPN
fsr-3305	537	11	(	(	PUNCT
fsr-3305	537	12	2011	2011	NUM
fsr-3305	537	13	)	)	PUNCT
fsr-3305	537	14	.	.	PUNCT
fsr-3305	538	1	financial	financial	ADJ
fsr-3305	538	2	knowledge	knowledge	NOUN
fsr-3305	538	3	and	and	CCONJ
fsr-3305	538	4	best	good	ADJ
fsr-3305	538	5	practice	practice	NOUN
fsr-3305	538	6	behavior	behavior	NOUN
fsr-3305	538	7	.	.	PUNCT
fsr-3305	539	1	journal	journal	PROPN
fsr-3305	539	2	of	of	ADP
fsr-3305	539	3	financial	financial	ADJ
fsr-3305	539	4	counseling	counseling	NOUN
fsr-3305	539	5	and	and	CCONJ
fsr-3305	539	6	planning	planning	NOUN
fsr-3305	539	7	volume	volume	NOUN
fsr-3305	539	8	,	,	PUNCT
fsr-3305	539	9	22	22	NUM
fsr-3305	539	10	,	,	PUNCT
fsr-3305	539	11	60–70	60–70	NUM
fsr-3305	539	12	.	.	PUNCT
fsr-3305	540	1	saucier	saucy	ADJ
fsr-3305	540	2	,	,	PUNCT
fsr-3305	540	3	g.	g.	PROPN
fsr-3305	540	4	,	,	PUNCT
fsr-3305	540	5	&	&	CCONJ
fsr-3305	540	6	goldberg	goldberg	PROPN
fsr-3305	540	7	,	,	PUNCT
fsr-3305	540	8	l.	l.	PROPN
fsr-3305	540	9	r.	r.	PROPN
fsr-3305	540	10	(	(	PUNCT
fsr-3305	540	11	1996	1996	NUM
fsr-3305	540	12	)	)	PUNCT
fsr-3305	540	13	.	.	PUNCT
fsr-3305	541	1	the	the	DET
fsr-3305	541	2	language	language	NOUN
fsr-3305	541	3	of	of	ADP
fsr-3305	541	4	personality	personality	NOUN
fsr-3305	541	5	:	:	PUNCT
fsr-3305	541	6	lexical	lexical	ADJ
fsr-3305	541	7	perspectives	perspective	NOUN
fsr-3305	541	8	.	.	PUNCT
fsr-3305	542	1	the	the	DET
fsr-3305	542	2	five	five	NUM
fsr-3305	542	3	-	-	PUNCT
fsr-3305	542	4	factor	factor	NOUN
fsr-3305	542	5	model	model	NOUN
fsr-3305	542	6	.	.	PUNCT
fsr-3305	543	1	in	in	ADP
fsr-3305	543	2	j.s	j.s	PROPN
fsr-3305	543	3	wiggins	wiggins	PROPN
fsr-3305	543	4	(	(	PUNCT
fsr-3305	543	5	ed	ed	NOUN
fsr-3305	543	6	.	.	PUNCT
fsr-3305	543	7	)	)	PUNCT
fsr-3305	543	8	,	,	PUNCT
fsr-3305	543	9	the	the	DET
fsr-3305	543	10	five	five	NUM
fsr-3305	543	11	-	-	PUNCT
fsr-3305	543	12	factor	factor	NOUN
fsr-3305	543	13	model	model	NOUN
fsr-3305	543	14	of	of	ADP
fsr-3305	543	15	personality	personality	NOUN
fsr-3305	543	16	:	:	PUNCT
fsr-3305	543	17	theoretical	theoretical	ADJ
fsr-3305	543	18	perspectives	perspective	NOUN
fsr-3305	543	19	(	(	PUNCT
fsr-3305	543	20	pp.21–50	pp.21–50	NOUN
fsr-3305	543	21	)	)	PUNCT
fsr-3305	543	22	.	.	PUNCT
fsr-3305	544	1	new	new	PROPN
fsr-3305	544	2	york	york	PROPN
fsr-3305	544	3	,	,	PUNCT
fsr-3305	544	4	ny	ny	PROPN
fsr-3305	544	5	:	:	PUNCT
fsr-3305	544	6	guilford	guilford	PROPN
fsr-3305	544	7	press	press	PROPN
fsr-3305	544	8	.	.	PUNCT
fsr-3305	545	1	schwartz	schwartz	PROPN
fsr-3305	545	2	,	,	PUNCT
fsr-3305	545	3	b.	b.	PROPN
fsr-3305	545	4	(	(	PUNCT
fsr-3305	545	5	2004	2004	NUM
fsr-3305	545	6	)	)	PUNCT
fsr-3305	545	7	.	.	PUNCT
fsr-3305	546	1	the	the	DET
fsr-3305	546	2	paradox	paradox	NOUN
fsr-3305	546	3	of	of	ADP
fsr-3305	546	4	choice	choice	NOUN
fsr-3305	546	5	:	:	PUNCT
fsr-3305	546	6	why	why	SCONJ
fsr-3305	546	7	more	more	ADJ
fsr-3305	546	8	is	be	AUX
fsr-3305	546	9	less	less	ADJ
fsr-3305	546	10	.	.	PUNCT
fsr-3305	547	1	new	new	PROPN
fsr-3305	547	2	york	york	PROPN
fsr-3305	547	3	,	,	PUNCT
fsr-3305	547	4	ny	ny	PROPN
fsr-3305	547	5	:	:	PUNCT
fsr-3305	547	6	ecco	ecco	X
fsr-3305	547	7	.	.	PUNCT
fsr-3305	548	1	shiller	shiller	PROPN
fsr-3305	548	2	,	,	PUNCT
fsr-3305	548	3	r.	r.	PROPN
fsr-3305	548	4	j.(2003	j.(2003	PROPN
fsr-3305	548	5	)	)	PUNCT
fsr-3305	548	6	.	.	PUNCT
fsr-3305	549	1	from	from	ADP
fsr-3305	549	2	efficient	efficient	ADJ
fsr-3305	549	3	markets	market	NOUN
fsr-3305	549	4	theory	theory	NOUN
fsr-3305	549	5	to	to	ADP
fsr-3305	549	6	behavioral	behavioral	ADJ
fsr-3305	549	7	finance	finance	NOUN
fsr-3305	549	8	.	.	PUNCT
fsr-3305	550	1	the	the	DET
fsr-3305	550	2	journal	journal	NOUN
fsr-3305	550	3	of	of	ADP
fsr-3305	550	4	economic	economic	ADJ
fsr-3305	550	5	perspectives	perspective	NOUN
fsr-3305	550	6	,	,	PUNCT
fsr-3305	550	7	17	17	NUM
fsr-3305	550	8	,	,	PUNCT
fsr-3305	550	9	83–104	83–104	PROPN
fsr-3305	550	10	.	.	PUNCT
fsr-3305	550	11	shleifer	shleifer	PROPN
fsr-3305	550	12	,	,	PUNCT
fsr-3305	550	13	a.	a.	NOUN
fsr-3305	550	14	(	(	PUNCT
fsr-3305	550	15	2000	2000	NUM
fsr-3305	550	16	)	)	PUNCT
fsr-3305	550	17	.	.	PUNCT
fsr-3305	551	1	inefficient	inefficient	ADJ
fsr-3305	551	2	markets	market	NOUN
fsr-3305	551	3	:	:	PUNCT
fsr-3305	551	4	an	an	DET
fsr-3305	551	5	introduction	introduction	NOUN
fsr-3305	551	6	to	to	ADP
fsr-3305	551	7	behavioral	behavioral	ADJ
fsr-3305	551	8	finance	finance	NOUN
fsr-3305	551	9	.	.	PUNCT
fsr-3305	552	1	new	new	PROPN
fsr-3305	552	2	york	york	PROPN
fsr-3305	552	3	,	,	PUNCT
fsr-3305	552	4	ny	ny	PROPN
fsr-3305	552	5	:	:	PUNCT
fsr-3305	552	6	oxford	oxford	PROPN
fsr-3305	552	7	university	university	PROPN
fsr-3305	552	8	press	press	NOUN
fsr-3305	552	9	.	.	PUNCT
fsr-3305	553	1	smith	smith	PROPN
fsr-3305	553	2	,	,	PUNCT
fsr-3305	553	3	b.	b.	PROPN
fsr-3305	553	4	a.	a.	PROPN
fsr-3305	553	5	,	,	PUNCT
fsr-3305	553	6	&	&	CCONJ
fsr-3305	553	7	stewart	stewart	PROPN
fsr-3305	553	8	,	,	PUNCT
fsr-3305	553	9	f.	f.	PROPN
fsr-3305	553	10	(	(	PUNCT
fsr-3305	553	11	2009	2009	NUM
fsr-3305	553	12	)	)	PUNCT
fsr-3305	553	13	.	.	PUNCT
fsr-3305	554	1	learning	learn	VERB
fsr-3305	554	2	from	from	ADP
fsr-3305	554	3	the	the	DET
fsr-3305	554	4	experience	experience	NOUN
fsr-3305	554	5	of	of	ADP
fsr-3305	554	6	organization	organization	NOUN
fsr-3305	554	7	for	for	ADP
fsr-3305	554	8	economic	economic	ADJ
fsr-3305	554	9	co	co	NOUN
fsr-3305	554	10	-	-	NOUN
fsr-3305	554	11	operation	operation	NOUN
fsr-3305	554	12	and	and	CCONJ
fsr-3305	554	13	development	development	NOUN
fsr-3305	554	14	countries	country	NOUN
fsr-3305	554	15	:	:	PUNCT
fsr-3305	554	16	lessons	lesson	NOUN
fsr-3305	554	17	for	for	ADP
fsr-3305	554	18	policy	policy	NOUN
fsr-3305	554	19	,	,	PUNCT
fsr-3305	554	20	programs	program	NOUN
fsr-3305	554	21	,	,	PUNCT
fsr-3305	554	22	and	and	CCONJ
fsr-3305	554	23	evaluations	evaluation	NOUN
fsr-3305	554	24	.	.	PUNCT
fsr-3305	555	1	in	in	ADP
fsr-3305	555	2	overcoming	overcome	VERB
fsr-3305	555	3	the	the	DET
fsr-3305	555	4	saving	saving	NOUN
fsr-3305	555	5	slump	slump	NOUN
fsr-3305	555	6	:	:	PUNCT
fsr-3305	555	7	how	how	SCONJ
fsr-3305	555	8	to	to	PART
fsr-3305	555	9	increase	increase	VERB
fsr-3305	555	10	the	the	DET
fsr-3305	555	11	effectiveness	effectiveness	NOUN
fsr-3305	555	12	of	of	ADP
fsr-3305	555	13	financial	financial	ADJ
fsr-3305	555	14	education	education	NOUN
fsr-3305	555	15	and	and	CCONJ
fsr-3305	555	16	saving	save	VERB
fsr-3305	555	17	programs	program	NOUN
fsr-3305	555	18	(	(	PUNCT
fsr-3305	555	19	pp	pp	ADJ
fsr-3305	555	20	.	.	PUNCT
fsr-3305	556	1	345–367	345–367	NUM
fsr-3305	556	2	)	)	PUNCT
fsr-3305	556	3	.	.	PUNCT
fsr-3305	557	1	chicago	chicago	PROPN
fsr-3305	557	2	,	,	PUNCT
fsr-3305	557	3	il	il	PROPN
fsr-3305	557	4	:	:	PUNCT
fsr-3305	557	5	university	university	PROPN
fsr-3305	557	6	of	of	ADP
fsr-3305	557	7	chicago	chicago	PROPN
fsr-3305	557	8	press	press	PROPN
fsr-3305	557	9	.	.	PUNCT
fsr-3305	558	1	thaler	thaler	PROPN
fsr-3305	558	2	,	,	PUNCT
fsr-3305	558	3	r.	r.	PROPN
fsr-3305	558	4	h.	h.	PROPN
fsr-3305	558	5	,	,	PUNCT
fsr-3305	558	6	&	&	CCONJ
fsr-3305	558	7	de	de	PROPN
fsr-3305	558	8	bondt	bondt	PROPN
fsr-3305	558	9	,	,	PUNCT
fsr-3305	558	10	w.	w.	PROPN
fsr-3305	558	11	(	(	PUNCT
fsr-3305	558	12	1993	1993	NUM
fsr-3305	558	13	)	)	PUNCT
fsr-3305	558	14	.	.	PUNCT
fsr-3305	559	1	advances	advance	NOUN
fsr-3305	559	2	in	in	ADP
fsr-3305	559	3	behavioral	behavioral	ADJ
fsr-3305	559	4	finance	finance	NOUN
fsr-3305	559	5	.	.	PUNCT
fsr-3305	560	1	new	new	PROPN
fsr-3305	560	2	york	york	PROPN
fsr-3305	560	3	,	,	PUNCT
fsr-3305	560	4	ny	ny	PROPN
fsr-3305	560	5	:	:	PUNCT
fsr-3305	560	6	russell	russell	PROPN
fsr-3305	560	7	sage	sage	PROPN
fsr-3305	560	8	foundation	foundation	PROPN
fsr-3305	560	9	.	.	PUNCT
fsr-3305	561	1	van	van	PROPN
fsr-3305	561	2	rooij	rooij	NOUN
fsr-3305	561	3	,	,	PUNCT
fsr-3305	561	4	m.	m.	NOUN
fsr-3305	561	5	,	,	PUNCT
fsr-3305	561	6	lusardi	lusardi	PROPN
fsr-3305	561	7	,	,	PUNCT
fsr-3305	561	8	a.	a.	NOUN
fsr-3305	561	9	,	,	PUNCT
fsr-3305	561	10	&	&	CCONJ
fsr-3305	561	11	alessie	alessie	PROPN
fsr-3305	561	12	,	,	PUNCT
fsr-3305	561	13	r.	r.	PROPN
fsr-3305	561	14	(	(	PUNCT
fsr-3305	561	15	2011	2011	NUM
fsr-3305	561	16	)	)	PUNCT
fsr-3305	561	17	.	.	PUNCT
fsr-3305	562	1	financial	financial	ADJ
fsr-3305	562	2	literacy	literacy	NOUN
fsr-3305	562	3	and	and	CCONJ
fsr-3305	562	4	stock	stock	NOUN
fsr-3305	562	5	market	market	NOUN
fsr-3305	562	6	participation	participation	NOUN
fsr-3305	562	7	.	.	PUNCT
fsr-3305	563	1	journal	journal	NOUN
fsr-3305	563	2	of	of	ADP
fsr-3305	563	3	financial	financial	ADJ
fsr-3305	563	4	economics	economic	NOUN
fsr-3305	563	5	,	,	PUNCT
fsr-3305	563	6	101	101	NUM
fsr-3305	563	7	,	,	PUNCT
fsr-3305	563	8	449–472	449–472	NUM
fsr-3305	563	9	.	.	PUNCT
fsr-3305	564	1	wilhelm	wilhelm	PROPN
fsr-3305	564	2	,	,	PUNCT
fsr-3305	564	3	m.	m.	PROPN
fsr-3305	564	4	s.	s.	PROPN
fsr-3305	564	5	,	,	PUNCT
fsr-3305	564	6	varcoe	varcoe	PROPN
fsr-3305	564	7	,	,	PUNCT
fsr-3305	564	8	k.	k.	PROPN
fsr-3305	564	9	,	,	PUNCT
fsr-3305	564	10	&	&	CCONJ
fsr-3305	564	11	fridrich	fridrich	PROPN
fsr-3305	564	12	,	,	PUNCT
fsr-3305	564	13	a.	a.	PROPN
fsr-3305	564	14	h.	h.	PROPN
fsr-3305	564	15	(	(	PUNCT
fsr-3305	564	16	1993	1993	NUM
fsr-3305	564	17	)	)	PUNCT
fsr-3305	564	18	.	.	PUNCT
fsr-3305	565	1	financial	financial	ADJ
fsr-3305	565	2	satisfaction	satisfaction	NOUN
fsr-3305	565	3	and	and	CCONJ
fsr-3305	565	4	assessment	assessment	NOUN
fsr-3305	565	5	of	of	ADP
fsr-3305	565	6	financial	financial	ADJ
fsr-3305	565	7	progress	progress	NOUN
fsr-3305	565	8	:	:	PUNCT
fsr-3305	565	9	importance	importance	NOUN
fsr-3305	565	10	of	of	ADP
fsr-3305	565	11	money	money	NOUN
fsr-3305	565	12	attitudes	attitude	NOUN
fsr-3305	565	13	.	.	PUNCT
fsr-3305	566	1	financial	financial	ADJ
fsr-3305	566	2	counseling	counseling	NOUN
fsr-3305	566	3	and	and	CCONJ
fsr-3305	566	4	planning	planning	NOUN
fsr-3305	566	5	,	,	PUNCT
fsr-3305	566	6	4	4	NUM
fsr-3305	566	7	,	,	PUNCT
fsr-3305	566	8	181–198	181–198	NUM
fsr-3305	566	9	.	.	PUNCT
fsr-3305	567	1	xiao	xiao	PROPN
fsr-3305	567	2	,	,	PUNCT
fsr-3305	567	3	j.	j.	PROPN
fsr-3305	567	4	j.	j.	PROPN
fsr-3305	567	5	,	,	PUNCT
fsr-3305	567	6	chen	chen	PROPN
fsr-3305	567	7	,	,	PUNCT
fsr-3305	567	8	c.	c.	PROPN
fsr-3305	567	9	,	,	PUNCT
fsr-3305	567	10	&	&	CCONJ
fsr-3305	567	11	chen	chen	PROPN
fsr-3305	567	12	,	,	PUNCT
fsr-3305	567	13	f.	f.	PROPN
fsr-3305	567	14	(	(	PUNCT
fsr-3305	567	15	2014	2014	NUM
fsr-3305	567	16	)	)	PUNCT
fsr-3305	567	17	.	.	PUNCT
fsr-3305	568	1	consumer	consumer	NOUN
fsr-3305	568	2	financial	financial	ADJ
fsr-3305	568	3	capability	capability	NOUN
fsr-3305	568	4	and	and	CCONJ
fsr-3305	568	5	financial	financial	ADJ
fsr-3305	568	6	satisfaction	satisfaction	NOUN
fsr-3305	568	7	.	.	PUNCT
fsr-3305	569	1	social	social	ADJ
fsr-3305	569	2	indicators	indicator	NOUN
fsr-3305	569	3	research	research	NOUN
fsr-3305	569	4	,	,	PUNCT
fsr-3305	569	5	118	118	NUM
fsr-3305	569	6	,	,	PUNCT
fsr-3305	569	7	415–432	415–432	NUM
fsr-3305	569	8	.	.	PUNCT
fsr-3305	570	1	xiao	xiao	PROPN
fsr-3305	570	2	,	,	PUNCT
fsr-3305	570	3	j.	j.	PROPN
fsr-3305	570	4	j.	j.	PROPN
fsr-3305	570	5	,	,	PUNCT
fsr-3305	570	6	chen	chen	PROPN
fsr-3305	570	7	,	,	PUNCT
fsr-3305	570	8	c.	c.	PROPN
fsr-3305	570	9	,	,	PUNCT
fsr-3305	570	10	&	&	CCONJ
fsr-3305	570	11	sun	sun	PROPN
fsr-3305	570	12	,	,	PUNCT
fsr-3305	570	13	l.	l.	PROPN
fsr-3305	570	14	(	(	PUNCT
fsr-3305	570	15	2015	2015	NUM
fsr-3305	570	16	)	)	PUNCT
fsr-3305	570	17	.	.	PUNCT
fsr-3305	571	1	age	age	NOUN
fsr-3305	571	2	differences	difference	NOUN
fsr-3305	571	3	in	in	ADP
fsr-3305	571	4	consumer	consumer	NOUN
fsr-3305	571	5	financial	financial	ADJ
fsr-3305	571	6	capability	capability	NOUN
fsr-3305	571	7	.	.	PUNCT
fsr-3305	572	1	international	international	ADJ
fsr-3305	572	2	journal	journal	PROPN
fsr-3305	572	3	of	of	ADP
fsr-3305	572	4	consumer	consumer	NOUN
fsr-3305	572	5	studies	study	NOUN
fsr-3305	572	6	,	,	PUNCT
fsr-3305	572	7	39	39	NUM
fsr-3305	572	8	,	,	PUNCT
fsr-3305	572	9	387–395	387–395	NUM
fsr-3305	572	10	.	.	PUNCT
fsr-3305	573	1	zick	zick	PROPN
fsr-3305	573	2	,	,	PUNCT
fsr-3305	573	3	c.	c.	PROPN
fsr-3305	573	4	d.	d.	PROPN
fsr-3305	573	5	,	,	PUNCT
fsr-3305	573	6	mayer	mayer	PROPN
fsr-3305	573	7	,	,	PUNCT
fsr-3305	573	8	r.	r.	PROPN
fsr-3305	573	9	n.	n.	PROPN
fsr-3305	573	10	,	,	PUNCT
fsr-3305	573	11	&	&	CCONJ
fsr-3305	573	12	glaubitz	glaubitz	PROPN
fsr-3305	573	13	,	,	PUNCT
fsr-3305	573	14	k.	k.	PROPN
fsr-3305	573	15	(	(	PUNCT
fsr-3305	573	16	2012	2012	NUM
fsr-3305	573	17	)	)	PUNCT
fsr-3305	573	18	.	.	PUNCT
fsr-3305	574	1	the	the	DET
fsr-3305	574	2	kids	kid	NOUN
fsr-3305	574	3	are	be	AUX
fsr-3305	574	4	all	all	ADV
fsr-3305	574	5	right	right	ADJ
fsr-3305	574	6	:	:	PUNCT
fsr-3305	574	7	generational	generational	ADJ
fsr-3305	574	8	differences	difference	NOUN
fsr-3305	574	9	in	in	ADP
fsr-3305	574	10	responses	response	NOUN
fsr-3305	574	11	to	to	ADP
fsr-3305	574	12	the	the	DET
fsr-3305	574	13	great	great	ADJ
fsr-3305	574	14	recession	recession	NOUN
fsr-3305	574	15	.	.	PUNCT
fsr-3305	575	1	journal	journal	NOUN
fsr-3305	575	2	of	of	ADP
fsr-3305	575	3	financial	financial	ADJ
fsr-3305	575	4	counseling	counseling	NOUN
fsr-3305	575	5	and	and	CCONJ
fsr-3305	575	6	planning	planning	NOUN
fsr-3305	575	7	,	,	PUNCT
fsr-3305	575	8	23	23	NUM
fsr-3305	575	9	,	,	PUNCT
fsr-3305	575	10	3–16	3–16	PROPN
fsr-3305	575	11	.	.	PUNCT
fsr-3305	576	1	165r.n	165r.n	NUM
fsr-3305	576	2	.	.	PUNCT
fsr-3305	576	3	killins	killins	PROPN
fsr-3305	576	4	/	/	SYM
fsr-3305	576	5	financial	financial	ADJ
fsr-3305	576	6	services	service	NOUN
fsr-3305	576	7	review	review	VERB
fsr-3305	576	8	26	26	NUM
fsr-3305	576	9	(	(	PUNCT
fsr-3305	576	10	2017	2017	NUM
fsr-3305	576	11	)	)	PUNCT
fsr-3305	576	12	143–165	143–165	NUM