id	sid	tid	token	lemma	pos
fsr-3323	1	1	relation	relation	NOUN
fsr-3323	1	2	between	between	ADP
fsr-3323	1	3	financial	financial	ADJ
fsr-3323	1	4	advisory	advisory	ADJ
fsr-3323	1	5	designations	designation	NOUN
fsr-3323	1	6	and	and	CCONJ
fsr-3323	1	7	finra	finra	PROPN
fsr-3323	1	8	misconduct	misconduct	PROPN
fsr-3323	1	9	fsr201714	fsr201714	VERB
fsr-3323	1	10	jeffrey	jeffrey	PROPN
fsr-3323	1	11	m.	m.	PROPN
fsr-3323	1	12	camarda	camarda	PROPN
fsr-3323	1	13	,	,	PUNCT
fsr-3323	1	14	phd	phd	NOUN
fsr-3323	1	15	,	,	PUNCT
fsr-3323	1	16	cfa	cfa	PROPN
fsr-3323	1	17	eaa	eaa	PROPN
fsr-3323	1	18	,	,	PUNCT
fsr-3323	1	19	*	*	PUNCT
fsr-3323	1	20	a4371	a4371	ADV
fsr-3323	1	21	us	we	PRON
fsr-3323	1	22	17	17	NUM
fsr-3323	1	23	,	,	PUNCT
fsr-3323	1	24	fleming	fleming	NOUN
fsr-3323	1	25	island	island	NOUN
fsr-3323	1	26	,	,	PUNCT
fsr-3323	1	27	fl	fl	PROPN
fsr-3323	1	28	32003	32003	NUM
fsr-3323	1	29	,	,	PUNCT
fsr-3323	1	30	usa	usa	PROPN
fsr-3323	1	31	abstract	abstract	ADJ
fsr-3323	1	32	registered	register	VERB
fsr-3323	1	33	representatives	representative	NOUN
fsr-3323	1	34	have	have	VERB
fsr-3323	1	35	no	no	DET
fsr-3323	1	36	general	general	ADJ
fsr-3323	1	37	fiduciary	fiduciary	ADJ
fsr-3323	1	38	duty	duty	NOUN
fsr-3323	1	39	.	.	PUNCT
fsr-3323	2	1	cfp	cfp	PROPN
fsr-3323	2	2	,	,	PUNCT
fsr-3323	2	3	chfc	chfc	NOUN
fsr-3323	2	4	,	,	PUNCT
fsr-3323	2	5	and	and	CCONJ
fsr-3323	2	6	cfa	cfa	PROPN
fsr-3323	2	7	designees	designee	NOUN
fsr-3323	2	8	have	have	VERB
fsr-3323	2	9	higher	high	ADJ
fsr-3323	2	10	ethical	ethical	ADJ
fsr-3323	2	11	duties	duty	NOUN
fsr-3323	2	12	and	and	CCONJ
fsr-3323	2	13	education	education	NOUN
fsr-3323	2	14	requirements	requirement	NOUN
fsr-3323	2	15	.	.	PUNCT
fsr-3323	3	1	registrants	registrant	NOUN
fsr-3323	3	2	’	'	PUNCT
fsr-3323	3	3	criminal	criminal	ADJ
fsr-3323	3	4	,	,	PUNCT
fsr-3323	3	5	regulatory	regulatory	ADJ
fsr-3323	3	6	,	,	PUNCT
fsr-3323	3	7	complaint	complaint	NOUN
fsr-3323	3	8	,	,	PUNCT
fsr-3323	3	9	and	and	CCONJ
fsr-3323	3	10	other	other	ADJ
fsr-3323	3	11	misconduct	misconduct	NOUN
fsr-3323	3	12	history	history	NOUN
fsr-3323	3	13	is	be	AUX
fsr-3323	3	14	public	public	ADJ
fsr-3323	3	15	.	.	PUNCT
fsr-3323	4	1	this	this	DET
fsr-3323	4	2	study	study	NOUN
fsr-3323	4	3	examines	examine	VERB
fsr-3323	4	4	misconduct	misconduct	NOUN
fsr-3323	4	5	disclosures	disclosure	NOUN
fsr-3323	4	6	of	of	ADP
fsr-3323	4	7	undesignated	undesignated	ADJ
fsr-3323	4	8	versus	versus	ADP
fsr-3323	4	9	designated	designate	VERB
fsr-3323	4	10	florida	florida	PROPN
fsr-3323	4	11	securities	security	NOUN
fsr-3323	4	12	salespeople	salesperson	NOUN
fsr-3323	4	13	,	,	PUNCT
fsr-3323	4	14	and	and	CCONJ
fsr-3323	4	15	finds	find	VERB
fsr-3323	4	16	adverse	adverse	ADJ
fsr-3323	4	17	disclosure	disclosure	NOUN
fsr-3323	4	18	materially	materially	ADV
fsr-3323	4	19	decreases	decrease	VERB
fsr-3323	4	20	for	for	ADP
fsr-3323	4	21	designees	designee	NOUN
fsr-3323	4	22	;	;	PUNCT
fsr-3323	4	23	it	it	PRON
fsr-3323	4	24	incidentally	incidentally	ADV
fsr-3323	4	25	finds	find	VERB
fsr-3323	4	26	misconduct	misconduct	NOUN
fsr-3323	4	27	increases	increase	NOUN
fsr-3323	4	28	with	with	ADP
fsr-3323	4	29	maleness	maleness	NOUN
fsr-3323	4	30	,	,	PUNCT
fsr-3323	4	31	dual	dual	ADJ
fsr-3323	4	32	investment	investment	NOUN
fsr-3323	4	33	advisor	advisor	NOUN
fsr-3323	4	34	/	/	SYM
fsr-3323	4	35	registered	register	VERB
fsr-3323	4	36	representative	representative	ADJ
fsr-3323	4	37	status	status	NOUN
fsr-3323	4	38	,	,	PUNCT
fsr-3323	4	39	and	and	CCONJ
fsr-3323	4	40	life	life	NOUN
fsr-3323	4	41	insurance	insurance	NOUN
fsr-3323	4	42	sales	sale	NOUN
fsr-3323	4	43	licensure	licensure	NOUN
fsr-3323	4	44	.	.	PUNCT
fsr-3323	5	1	this	this	PRON
fsr-3323	5	2	appears	appear	VERB
fsr-3323	5	3	to	to	PART
fsr-3323	5	4	be	be	AUX
fsr-3323	5	5	the	the	DET
fsr-3323	5	6	first	first	ADJ
fsr-3323	5	7	such	such	ADJ
fsr-3323	5	8	study	study	NOUN
fsr-3323	5	9	of	of	ADP
fsr-3323	5	10	adverse	adverse	ADJ
fsr-3323	5	11	disclosure	disclosure	NOUN
fsr-3323	5	12	association	association	NOUN
fsr-3323	5	13	with	with	ADP
fsr-3323	5	14	financial	financial	ADJ
fsr-3323	5	15	designations	designation	NOUN
fsr-3323	5	16	,	,	PUNCT
fsr-3323	5	17	adding	add	VERB
fsr-3323	5	18	to	to	ADP
fsr-3323	5	19	the	the	DET
fsr-3323	5	20	emerging	emerge	VERB
fsr-3323	5	21	misconduct	misconduct	NOUN
fsr-3323	5	22	and	and	CCONJ
fsr-3323	5	23	advisors	advisor	NOUN
fsr-3323	5	24	’	'	PUNCT
fsr-3323	5	25	ethics	ethic	NOUN
fsr-3323	5	26	literature	literature	NOUN
fsr-3323	5	27	.	.	PUNCT
fsr-3323	6	1	these	these	DET
fsr-3323	6	2	findings	finding	NOUN
fsr-3323	6	3	offer	offer	VERB
fsr-3323	6	4	important	important	ADJ
fsr-3323	6	5	policy	policy	NOUN
fsr-3323	6	6	and	and	CCONJ
fsr-3323	6	7	consumer	consumer	NOUN
fsr-3323	6	8	choice	choice	NOUN
fsr-3323	6	9	insight	insight	NOUN
fsr-3323	6	10	.	.	PUNCT
fsr-3323	7	1	©	©	PROPN
fsr-3323	7	2	2017	2017	NUM
fsr-3323	7	3	academy	academy	NOUN
fsr-3323	7	4	of	of	ADP
fsr-3323	7	5	financial	financial	ADJ
fsr-3323	7	6	services	service	NOUN
fsr-3323	7	7	.	.	PUNCT
fsr-3323	8	1	all	all	DET
fsr-3323	8	2	rights	right	NOUN
fsr-3323	8	3	reserved	reserve	VERB
fsr-3323	8	4	.	.	PUNCT
fsr-3323	9	1	jel	jel	PROPN
fsr-3323	9	2	classification	classification	NOUN
fsr-3323	9	3	:	:	PUNCT
fsr-3323	9	4	g020	g020	NOUN
fsr-3323	9	5	;	;	PUNCT
fsr-3323	9	6	g180	g180	PROPN
fsr-3323	9	7	;	;	PUNCT
fsr-3323	9	8	g220	g220	NUM
fsr-3323	9	9	;	;	PUNCT
fsr-3323	9	10	g280	g280	NUM
fsr-3323	9	11	;	;	PUNCT
fsr-3323	9	12	g290	g290	PROPN
fsr-3323	9	13	keywords	keyword	NOUN
fsr-3323	9	14	:	:	PUNCT
fsr-3323	9	15	advisor	advisor	NOUN
fsr-3323	9	16	;	;	PUNCT
fsr-3323	9	17	fiduciary	fiduciary	ADJ
fsr-3323	9	18	;	;	PUNCT
fsr-3323	9	19	designation	designation	NOUN
fsr-3323	9	20	;	;	PUNCT
fsr-3323	9	21	best	good	ADJ
fsr-3323	9	22	interest	interest	NOUN
fsr-3323	9	23	;	;	PUNCT
fsr-3323	9	24	misconduct	misconduct	NOUN
fsr-3323	9	25	1	1	NUM
fsr-3323	9	26	.	.	PUNCT
fsr-3323	10	1	introduction	introduction	NOUN
fsr-3323	10	2	financial	financial	ADJ
fsr-3323	10	3	industry	industry	NOUN
fsr-3323	10	4	regulatory	regulatory	ADJ
fsr-3323	10	5	authority	authority	NOUN
fsr-3323	10	6	(	(	PUNCT
fsr-3323	10	7	finra	finra	NOUN
fsr-3323	10	8	)	)	PUNCT
fsr-3323	10	9	registered	register	VERB
fsr-3323	10	10	representatives	representative	NOUN
fsr-3323	10	11	(	(	PUNCT
fsr-3323	10	12	rrs	rrs	NOUN
fsr-3323	10	13	)	)	PUNCT
fsr-3323	10	14	have	have	AUX
fsr-3323	10	15	come	come	VERB
fsr-3323	10	16	to	to	PART
fsr-3323	10	17	be	be	AUX
fsr-3323	10	18	known	know	VERB
fsr-3323	10	19	as	as	ADP
fsr-3323	10	20	financial	financial	ADJ
fsr-3323	10	21	“	"	PUNCT
fsr-3323	10	22	advisors	advisor	NOUN
fsr-3323	10	23	.	.	PUNCT
fsr-3323	10	24	”	"	PUNCT
fsr-3323	11	1	rrs	rrs	PROPN
fsr-3323	11	2	,	,	PUNCT
fsr-3323	11	3	as	as	ADP
fsr-3323	11	4	agents	agent	NOUN
fsr-3323	11	5	of	of	ADP
fsr-3323	11	6	broker	broker	NOUN
fsr-3323	11	7	dealer	dealer	NOUN
fsr-3323	11	8	(	(	PUNCT
fsr-3323	11	9	bds	bds	NOUN
fsr-3323	11	10	)	)	PUNCT
fsr-3323	11	11	organizations	organization	NOUN
fsr-3323	11	12	,	,	PUNCT
fsr-3323	11	13	are	be	AUX
fsr-3323	11	14	typically	typically	ADV
fsr-3323	11	15	commission	commission	NOUN
fsr-3323	11	16	salespeople	salesperson	NOUN
fsr-3323	11	17	generally	generally	ADV
fsr-3323	11	18	not	not	PART
fsr-3323	11	19	required	require	VERB
fsr-3323	11	20	to	to	PART
fsr-3323	11	21	put	put	VERB
fsr-3323	11	22	customers	customer	NOUN
fsr-3323	11	23	’	’	PART
fsr-3323	11	24	interests	interest	NOUN
fsr-3323	11	25	ahead	ahead	ADV
fsr-3323	11	26	of	of	ADP
fsr-3323	11	27	their	their	PRON
fsr-3323	11	28	own	own	ADJ
fsr-3323	11	29	compensation	compensation	NOUN
fsr-3323	11	30	,	,	PUNCT
fsr-3323	11	31	in	in	ADP
fsr-3323	11	32	contrast	contrast	NOUN
fsr-3323	11	33	to	to	ADP
fsr-3323	11	34	investment	investment	NOUN
fsr-3323	11	35	advisor	advisor	NOUN
fsr-3323	11	36	representatives	representative	NOUN
fsr-3323	11	37	(	(	PUNCT
fsr-3323	11	38	iars	iar	NOUN
fsr-3323	11	39	)	)	PUNCT
fsr-3323	11	40	,	,	PUNCT
fsr-3323	11	41	who	who	PRON
fsr-3323	11	42	are	be	AUX
fsr-3323	11	43	agents	agent	NOUN
fsr-3323	11	44	of	of	ADP
fsr-3323	11	45	fiduciary	fiduciary	ADJ
fsr-3323	11	46	registered	register	VERB
fsr-3323	11	47	investment	investment	NOUN
fsr-3323	11	48	advisor	advisor	NOUN
fsr-3323	11	49	organizations	organization	NOUN
fsr-3323	11	50	(	(	PUNCT
fsr-3323	11	51	rias	rias	PROPN
fsr-3323	11	52	)	)	PUNCT
fsr-3323	11	53	.	.	PUNCT
fsr-3323	12	1	many	many	ADJ
fsr-3323	12	2	rrs	rr	NOUN
fsr-3323	12	3	are	be	AUX
fsr-3323	12	4	also	also	ADV
fsr-3323	12	5	iars	iar	NOUN
fsr-3323	12	6	,	,	PUNCT
fsr-3323	12	7	with	with	ADP
fsr-3323	12	8	conflicting	conflicting	ADJ
fsr-3323	12	9	rules	rule	NOUN
fsr-3323	12	10	and	and	CCONJ
fsr-3323	12	11	duties	duty	NOUN
fsr-3323	12	12	,	,	PUNCT
fsr-3323	12	13	often	often	ADV
fsr-3323	12	14	to	to	ADP
fsr-3323	12	15	the	the	DET
fsr-3323	12	16	same	same	ADJ
fsr-3323	12	17	clients	client	NOUN
fsr-3323	12	18	,	,	PUNCT
fsr-3323	12	19	*	*	PUNCT
fsr-3323	12	20	corresponding	correspond	VERB
fsr-3323	12	21	author	author	NOUN
fsr-3323	12	22	.	.	PUNCT
fsr-3323	13	1	tel	tel	PROPN
fsr-3323	13	2	.	.	PUNCT
fsr-3323	13	3	:	:	PUNCT
fsr-3323	14	1	�	�	PROPN
fsr-3323	14	2	1	1	NUM
fsr-3323	14	3	-	-	PUNCT
fsr-3323	14	4	904	904	NUM
fsr-3323	14	5	-	-	PUNCT
fsr-3323	14	6	278	278	NUM
fsr-3323	14	7	-	-	PUNCT
fsr-3323	14	8	1177	1177	NUM
fsr-3323	14	9	;	;	PUNCT
fsr-3323	14	10	fax	fax	NOUN
fsr-3323	14	11	:	:	PUNCT
fsr-3323	14	12	�	�	PROPN
fsr-3323	14	13	1	1	NUM
fsr-3323	14	14	-	-	SYM
fsr-3323	14	15	278	278	NUM
fsr-3323	14	16	-	-	PUNCT
fsr-3323	14	17	1070	1070	NUM
fsr-3323	14	18	.	.	PUNCT
fsr-3323	15	1	e	e	X
fsr-3323	15	2	-	-	NOUN
fsr-3323	15	3	mail	mail	NOUN
fsr-3323	15	4	address	address	NOUN
fsr-3323	15	5	:	:	PUNCT
fsr-3323	15	6	j@camarda.com	j@camarda.com	X
fsr-3323	16	1	financial	financial	PROPN
fsr-3323	16	2	services	services	PROPN
fsr-3323	16	3	review	review	VERB
fsr-3323	16	4	26	26	NUM
fsr-3323	16	5	(	(	PUNCT
fsr-3323	16	6	2017	2017	NUM
fsr-3323	16	7	)	)	PUNCT
fsr-3323	17	1	271–290	271–290	NUM
fsr-3323	17	2	1057	1057	NUM
fsr-3323	17	3	-	-	SYM
fsr-3323	17	4	0810/17/$	0810/17/$	NUM
fsr-3323	17	5	–	–	PUNCT
fsr-3323	17	6	see	see	VERB
fsr-3323	17	7	front	front	ADJ
fsr-3323	17	8	matter	matter	NOUN
fsr-3323	17	9	©	©	PROPN
fsr-3323	17	10	2017	2017	NUM
fsr-3323	17	11	academy	academy	NOUN
fsr-3323	17	12	of	of	ADP
fsr-3323	17	13	financial	financial	ADJ
fsr-3323	17	14	services	service	NOUN
fsr-3323	17	15	.	.	PUNCT
fsr-3323	18	1	all	all	DET
fsr-3323	18	2	rights	right	NOUN
fsr-3323	18	3	reserved	reserve	VERB
fsr-3323	18	4	.	.	PUNCT
fsr-3323	19	1	depending	depend	VERB
fsr-3323	19	2	on	on	ADP
fsr-3323	19	3	the	the	DET
fsr-3323	19	4	hat	hat	NOUN
fsr-3323	19	5	worn	wear	VERB
fsr-3323	19	6	.	.	PUNCT
fsr-3323	20	1	the	the	DET
fsr-3323	20	2	respective	respective	ADJ
fsr-3323	20	3	codes	code	NOUN
fsr-3323	20	4	for	for	ADP
fsr-3323	20	5	certified	certified	ADJ
fsr-3323	20	6	financial	financial	ADJ
fsr-3323	20	7	planner	planner	NOUN
fsr-3323	20	8	(	(	PUNCT
fsr-3323	20	9	cfp	cfp	PROPN
fsr-3323	20	10	)	)	PUNCT
fsr-3323	20	11	,	,	PUNCT
fsr-3323	20	12	chartered	charter	VERB
fsr-3323	20	13	financial	financial	ADJ
fsr-3323	20	14	consultant	consultant	NOUN
fsr-3323	20	15	(	(	PUNCT
fsr-3323	20	16	chfc	chfc	NOUN
fsr-3323	20	17	)	)	PUNCT
fsr-3323	20	18	,	,	PUNCT
fsr-3323	20	19	and	and	CCONJ
fsr-3323	20	20	chartered	chartered	ADJ
fsr-3323	20	21	financial	financial	ADJ
fsr-3323	20	22	analyst	analyst	NOUN
fsr-3323	20	23	(	(	PUNCT
fsr-3323	20	24	cfa	cfa	PROPN
fsr-3323	20	25	)	)	PUNCT
fsr-3323	20	26	designees	designee	NOUN
fsr-3323	20	27	require	require	VERB
fsr-3323	20	28	greater	great	ADJ
fsr-3323	20	29	financial	financial	ADJ
fsr-3323	20	30	expertise	expertise	NOUN
fsr-3323	20	31	and	and	CCONJ
fsr-3323	20	32	ethical	ethical	ADJ
fsr-3323	20	33	duties	duty	NOUN
fsr-3323	20	34	to	to	ADP
fsr-3323	20	35	clients	client	NOUN
fsr-3323	20	36	than	than	SCONJ
fsr-3323	20	37	do	do	VERB
fsr-3323	20	38	rr	rr	NOUN
fsr-3323	20	39	rules	rule	NOUN
fsr-3323	20	40	.	.	PUNCT
fsr-3323	21	1	many	many	ADJ
fsr-3323	21	2	rrs	rrs	PROPN
fsr-3323	21	3	are	be	AUX
fsr-3323	21	4	designees	designee	NOUN
fsr-3323	21	5	.	.	PUNCT
fsr-3323	22	1	rr	rr	PROPN
fsr-3323	22	2	criminal	criminal	ADJ
fsr-3323	22	3	,	,	PUNCT
fsr-3323	22	4	regulatory	regulatory	ADJ
fsr-3323	22	5	,	,	PUNCT
fsr-3323	22	6	complaint	complaint	NOUN
fsr-3323	22	7	,	,	PUNCT
fsr-3323	22	8	and	and	CCONJ
fsr-3323	22	9	other	other	ADJ
fsr-3323	22	10	misconduct	misconduct	NOUN
fsr-3323	22	11	history	history	NOUN
fsr-3323	22	12	is	be	AUX
fsr-3323	22	13	public	public	ADJ
fsr-3323	22	14	record	record	NOUN
fsr-3323	22	15	.	.	PUNCT
fsr-3323	23	1	this	this	DET
fsr-3323	23	2	study	study	NOUN
fsr-3323	23	3	examines	examine	VERB
fsr-3323	23	4	the	the	DET
fsr-3323	23	5	comparative	comparative	ADJ
fsr-3323	23	6	misconduct	misconduct	NOUN
fsr-3323	23	7	of	of	ADP
fsr-3323	23	8	undesignated	undesignated	ADJ
fsr-3323	23	9	versus	versus	ADP
fsr-3323	23	10	designated	designate	VERB
fsr-3323	23	11	rrs	rrs	PROPN
fsr-3323	23	12	in	in	ADP
fsr-3323	23	13	florida	florida	PROPN
fsr-3323	23	14	.	.	PUNCT
fsr-3323	24	1	it	it	PRON
fsr-3323	24	2	appears	appear	VERB
fsr-3323	24	3	to	to	PART
fsr-3323	24	4	be	be	AUX
fsr-3323	24	5	the	the	DET
fsr-3323	24	6	first	first	ADJ
fsr-3323	24	7	such	such	ADJ
fsr-3323	24	8	study	study	NOUN
fsr-3323	24	9	of	of	ADP
fsr-3323	24	10	adverse	adverse	ADJ
fsr-3323	24	11	disclosure	disclosure	NOUN
fsr-3323	24	12	association	association	NOUN
fsr-3323	24	13	with	with	ADP
fsr-3323	24	14	financial	financial	ADJ
fsr-3323	24	15	designations	designation	NOUN
fsr-3323	24	16	,	,	PUNCT
fsr-3323	24	17	so	so	SCONJ
fsr-3323	24	18	adding	add	VERB
fsr-3323	24	19	to	to	ADP
fsr-3323	24	20	the	the	DET
fsr-3323	24	21	emerging	emerge	VERB
fsr-3323	24	22	finra	finra	PROPN
fsr-3323	24	23	misconduct	misconduct	NOUN
fsr-3323	24	24	literature	literature	PROPN
fsr-3323	24	25	(	(	PUNCT
fsr-3323	24	26	egan	egan	PROPN
fsr-3323	24	27	,	,	PUNCT
fsr-3323	24	28	matvos	matvos	NUM
fsr-3323	24	29	,	,	PUNCT
fsr-3323	24	30	&	&	CCONJ
fsr-3323	24	31	seru	seru	PROPN
fsr-3323	24	32	,	,	PUNCT
fsr-3323	24	33	2016	2016	NUM
fsr-3323	24	34	)	)	PUNCT
fsr-3323	24	35	.	.	PUNCT
fsr-3323	25	1	as	as	SCONJ
fsr-3323	25	2	the	the	DET
fsr-3323	25	3	financial	financial	ADJ
fsr-3323	25	4	advisory	advisory	ADJ
fsr-3323	25	5	industry	industry	NOUN
fsr-3323	25	6	evolves	evolve	NOUN
fsr-3323	25	7	and	and	CCONJ
fsr-3323	25	8	regulators	regulator	NOUN
fsr-3323	25	9	and	and	CCONJ
fsr-3323	25	10	other	other	ADJ
fsr-3323	25	11	stakeholders	stakeholder	NOUN
fsr-3323	25	12	seek	seek	VERB
fsr-3323	25	13	to	to	PART
fsr-3323	25	14	enhance	enhance	VERB
fsr-3323	25	15	practice	practice	NOUN
fsr-3323	25	16	quality	quality	NOUN
fsr-3323	25	17	and	and	CCONJ
fsr-3323	25	18	duties	duty	NOUN
fsr-3323	25	19	to	to	ADP
fsr-3323	25	20	investors	investor	NOUN
fsr-3323	25	21	,	,	PUNCT
fsr-3323	25	22	these	these	DET
fsr-3323	25	23	findings	finding	NOUN
fsr-3323	25	24	may	may	AUX
fsr-3323	25	25	offer	offer	VERB
fsr-3323	25	26	important	important	ADJ
fsr-3323	25	27	contributions	contribution	NOUN
fsr-3323	25	28	to	to	ADP
fsr-3323	25	29	policy	policy	NOUN
fsr-3323	25	30	,	,	PUNCT
fsr-3323	25	31	and	and	CCONJ
fsr-3323	25	32	help	help	VERB
fsr-3323	25	33	consumers	consumer	NOUN
fsr-3323	25	34	to	to	PART
fsr-3323	25	35	make	make	VERB
fsr-3323	25	36	better	well	ADJ
fsr-3323	25	37	advisor	advisor	NOUN
fsr-3323	25	38	choices	choice	NOUN
fsr-3323	25	39	.	.	PUNCT
fsr-3323	26	1	2	2	X
fsr-3323	26	2	.	.	X
fsr-3323	26	3	background	background	NOUN
fsr-3323	26	4	more	more	ADJ
fsr-3323	26	5	than	than	ADP
fsr-3323	26	6	650,000	650,000	NUM
fsr-3323	26	7	financial	financial	ADJ
fsr-3323	26	8	advisors	advisor	NOUN
fsr-3323	26	9	help	help	VERB
fsr-3323	26	10	manage	manage	VERB
fsr-3323	26	11	over	over	ADP
fsr-3323	26	12	$	$	SYM
fsr-3323	26	13	30	30	NUM
fsr-3323	26	14	trillion	trillion	NUM
fsr-3323	26	15	of	of	ADP
fsr-3323	26	16	investable	investable	ADJ
fsr-3323	26	17	assets	asset	NOUN
fsr-3323	26	18	in	in	ADP
fsr-3323	26	19	the	the	DET
fsr-3323	26	20	united	united	PROPN
fsr-3323	26	21	states	states	PROPN
fsr-3323	26	22	(	(	PUNCT
fsr-3323	26	23	egan	egan	PROPN
fsr-3323	26	24	,	,	PUNCT
fsr-3323	26	25	matvos	matvos	NUM
fsr-3323	26	26	,	,	PUNCT
fsr-3323	26	27	&	&	CCONJ
fsr-3323	26	28	seru	seru	PROPN
fsr-3323	26	29	,	,	PUNCT
fsr-3323	26	30	2016	2016	NUM
fsr-3323	26	31	)	)	PUNCT
fsr-3323	26	32	,	,	PUNCT
fsr-3323	26	33	with	with	ADP
fsr-3323	26	34	over	over	ADP
fsr-3323	26	35	one	one	NUM
fsr-3323	26	36	-	-	PUNCT
fsr-3323	26	37	half	half	NOUN
fsr-3323	26	38	of	of	ADP
fsr-3323	26	39	all	all	DET
fsr-3323	26	40	households	household	NOUN
fsr-3323	26	41	and	and	CCONJ
fsr-3323	26	42	nearly	nearly	ADV
fsr-3323	26	43	90	90	NUM
fsr-3323	26	44	%	%	NOUN
fsr-3323	26	45	of	of	ADP
fsr-3323	26	46	consumers	consumer	NOUN
fsr-3323	26	47	with	with	ADP
fsr-3323	26	48	investable	investable	ADJ
fsr-3323	26	49	assets	asset	NOUN
fsr-3323	26	50	over	over	ADP
fsr-3323	26	51	$	$	SYM
fsr-3323	26	52	100,000	100,000	NUM
fsr-3323	26	53	seeking	seek	VERB
fsr-3323	26	54	such	such	ADJ
fsr-3323	26	55	help	help	NOUN
fsr-3323	26	56	(	(	PUNCT
fsr-3323	26	57	smith	smith	PROPN
fsr-3323	26	58	,	,	PUNCT
fsr-3323	26	59	vibhakar	vibhakar	NOUN
fsr-3323	26	60	,	,	PUNCT
fsr-3323	26	61	&	&	CCONJ
fsr-3323	26	62	terry	terry	PROPN
fsr-3323	26	63	,	,	PUNCT
fsr-3323	26	64	2008	2008	NUM
fsr-3323	26	65	)	)	PUNCT
fsr-3323	26	66	.	.	PUNCT
fsr-3323	27	1	advisory	advisory	ADJ
fsr-3323	27	2	wrongdoing	wrongdoing	NOUN
fsr-3323	27	3	has	have	AUX
fsr-3323	27	4	not	not	PART
fsr-3323	27	5	undergone	undergo	VERB
fsr-3323	27	6	rigorous	rigorous	ADJ
fsr-3323	27	7	investigation	investigation	NOUN
fsr-3323	27	8	and	and	CCONJ
fsr-3323	27	9	analysis	analysis	NOUN
fsr-3323	27	10	(	(	PUNCT
fsr-3323	27	11	zingales	zingale	NOUN
fsr-3323	27	12	,	,	PUNCT
fsr-3323	27	13	2015	2015	NUM
fsr-3323	27	14	)	)	PUNCT
fsr-3323	27	15	.	.	PUNCT
fsr-3323	28	1	rr	rr	PROPN
fsr-3323	28	2	sales	sale	NOUN
fsr-3323	28	3	licensing	licensing	NOUN
fsr-3323	28	4	is	be	AUX
fsr-3323	28	5	relatively	relatively	ADV
fsr-3323	28	6	simple	simple	ADJ
fsr-3323	28	7	,	,	PUNCT
fsr-3323	28	8	and	and	CCONJ
fsr-3323	28	9	even	even	ADV
fsr-3323	28	10	exam	exam	NOUN
fsr-3323	28	11	cheaters	cheater	NOUN
fsr-3323	28	12	may	may	AUX
fsr-3323	28	13	become	become	VERB
fsr-3323	28	14	licensed	licensed	ADJ
fsr-3323	28	15	(	(	PUNCT
fsr-3323	28	16	finra	finra	NOUN
fsr-3323	28	17	,	,	PUNCT
fsr-3323	28	18	2016	2016	NUM
fsr-3323	28	19	)	)	PUNCT
fsr-3323	28	20	.	.	PUNCT
fsr-3323	29	1	even	even	ADV
fsr-3323	29	2	sophisticated	sophisticated	ADJ
fsr-3323	29	3	consumers	consumer	NOUN
fsr-3323	29	4	can	can	AUX
fsr-3323	29	5	easily	easily	ADV
fsr-3323	29	6	confuse	confuse	VERB
fsr-3323	29	7	rr	rr	NOUN
fsr-3323	29	8	sales	sale	NOUN
fsr-3323	29	9	reps	rep	NOUN
fsr-3323	29	10	for	for	ADP
fsr-3323	29	11	fiduciary	fiduciary	ADJ
fsr-3323	29	12	advisors	advisor	NOUN
fsr-3323	29	13	(	(	PUNCT
fsr-3323	29	14	government	government	NOUN
fsr-3323	29	15	accountability	accountability	NOUN
fsr-3323	29	16	office	office	NOUN
fsr-3323	30	1	[	[	X
fsr-3323	30	2	gao	gao	X
fsr-3323	30	3	]	]	X
fsr-3323	30	4	,	,	PUNCT
fsr-3323	30	5	2011	2011	NUM
fsr-3323	30	6	)	)	PUNCT
fsr-3323	30	7	.	.	PUNCT
fsr-3323	31	1	rr	rr	PROPN
fsr-3323	31	2	misconduct	misconduct	NOUN
fsr-3323	31	3	is	be	AUX
fsr-3323	31	4	widespread	widespread	ADJ
fsr-3323	31	5	,	,	PUNCT
fsr-3323	31	6	and	and	CCONJ
fsr-3323	31	7	tends	tend	VERB
fsr-3323	31	8	to	to	PART
fsr-3323	31	9	concentrate	concentrate	VERB
fsr-3323	31	10	at	at	ADP
fsr-3323	31	11	firms	firm	NOUN
fsr-3323	31	12	that	that	PRON
fsr-3323	31	13	may	may	AUX
fsr-3323	31	14	enable	enable	VERB
fsr-3323	31	15	it	it	PRON
fsr-3323	31	16	(	(	PUNCT
fsr-3323	31	17	egan	egan	PROPN
fsr-3323	31	18	et	et	PROPN
fsr-3323	31	19	al	al	PROPN
fsr-3323	31	20	.	.	PROPN
fsr-3323	31	21	,	,	PUNCT
fsr-3323	31	22	2016	2016	NUM
fsr-3323	31	23	)	)	PUNCT
fsr-3323	31	24	or	or	CCONJ
fsr-3323	31	25	even	even	ADV
fsr-3323	31	26	depend	depend	VERB
fsr-3323	31	27	on	on	ADP
fsr-3323	31	28	it	it	PRON
fsr-3323	31	29	as	as	ADP
fsr-3323	31	30	a	a	DET
fsr-3323	31	31	profit	profit	NOUN
fsr-3323	31	32	center	center	NOUN
fsr-3323	31	33	(	(	PUNCT
fsr-3323	31	34	woolley	woolley	PROPN
fsr-3323	31	35	,	,	PUNCT
fsr-3323	31	36	2016	2016	NUM
fsr-3323	31	37	)	)	PUNCT
fsr-3323	31	38	.	.	PUNCT
fsr-3323	32	1	consumers	consumer	NOUN
fsr-3323	32	2	seem	seem	VERB
fsr-3323	32	3	generally	generally	ADV
fsr-3323	32	4	ignorant	ignorant	ADJ
fsr-3323	32	5	of	of	ADP
fsr-3323	32	6	these	these	DET
fsr-3323	32	7	factors	factor	NOUN
fsr-3323	32	8	(	(	PUNCT
fsr-3323	32	9	mccann	mccann	PROPN
fsr-3323	32	10	,	,	PUNCT
fsr-3323	32	11	qin	qin	PROPN
fsr-3323	32	12	,	,	PUNCT
fsr-3323	32	13	&	&	CCONJ
fsr-3323	32	14	yan	yan	PROPN
fsr-3323	32	15	,	,	PUNCT
fsr-3323	32	16	2016	2016	NUM
fsr-3323	32	17	)	)	PUNCT
fsr-3323	32	18	,	,	PUNCT
fsr-3323	32	19	and	and	CCONJ
fsr-3323	32	20	social	social	ADJ
fsr-3323	32	21	cost	cost	NOUN
fsr-3323	32	22	is	be	AUX
fsr-3323	32	23	not	not	PART
fsr-3323	32	24	yet	yet	ADV
fsr-3323	32	25	known	know	VERB
fsr-3323	32	26	(	(	PUNCT
fsr-3323	32	27	ritholtz	ritholtz	NOUN
fsr-3323	32	28	,	,	PUNCT
fsr-3323	32	29	2016	2016	NUM
fsr-3323	32	30	)	)	PUNCT
fsr-3323	32	31	.	.	PUNCT
fsr-3323	33	1	ethically	ethically	ADV
fsr-3323	33	2	challenged	challenge	VERB
fsr-3323	33	3	advisor	advisor	NOUN
fsr-3323	33	4	behavior	behavior	NOUN
fsr-3323	33	5	is	be	AUX
fsr-3323	33	6	estimated	estimate	VERB
fsr-3323	33	7	to	to	PART
fsr-3323	33	8	waste	waste	VERB
fsr-3323	33	9	some	some	DET
fsr-3323	33	10	$	$	SYM
fsr-3323	33	11	17	17	NUM
fsr-3323	33	12	billion	billion	NUM
fsr-3323	33	13	per	per	ADP
fsr-3323	33	14	year	year	NOUN
fsr-3323	33	15	of	of	ADP
fsr-3323	33	16	consumer	consumer	NOUN
fsr-3323	33	17	wealth	wealth	NOUN
fsr-3323	33	18	(	(	PUNCT
fsr-3323	33	19	the	the	DET
fsr-3323	33	20	white	white	PROPN
fsr-3323	33	21	house	house	PROPN
fsr-3323	33	22	,	,	PUNCT
fsr-3323	33	23	2016	2016	NUM
fsr-3323	33	24	)	)	PUNCT
fsr-3323	33	25	.	.	PUNCT
fsr-3323	34	1	while	while	SCONJ
fsr-3323	34	2	rr	rr	PROPN
fsr-3323	34	3	misconduct	misconduct	PROPN
fsr-3323	34	4	data	datum	NOUN
fsr-3323	34	5	are	be	AUX
fsr-3323	34	6	public	public	ADJ
fsr-3323	34	7	,	,	PUNCT
fsr-3323	34	8	limited	limited	ADJ
fsr-3323	34	9	accessibility	accessibility	NOUN
fsr-3323	34	10	may	may	AUX
fsr-3323	34	11	damage	damage	VERB
fsr-3323	34	12	consumers	consumer	NOUN
fsr-3323	34	13	(	(	PUNCT
fsr-3323	34	14	piaba	piaba	PROPN
fsr-3323	34	15	foundation	foundation	PROPN
fsr-3323	34	16	,	,	PUNCT
fsr-3323	34	17	2015	2015	NUM
fsr-3323	34	18	)	)	PUNCT
fsr-3323	34	19	.	.	PUNCT
fsr-3323	35	1	designations	designation	NOUN
fsr-3323	35	2	sponsors	sponsor	NOUN
fsr-3323	35	3	’	'	PUNCT
fsr-3323	35	4	(	(	PUNCT
fsr-3323	35	5	cfa	cfa	PROPN
fsr-3323	35	6	institute	institute	PROPN
fsr-3323	35	7	,	,	PUNCT
fsr-3323	35	8	2016	2016	NUM
fsr-3323	35	9	,	,	PUNCT
fsr-3323	35	10	cfp	cfp	PROPN
fsr-3323	35	11	board	board	PROPN
fsr-3323	35	12	,	,	PUNCT
fsr-3323	35	13	2016	2016	NUM
fsr-3323	35	14	,	,	PUNCT
fsr-3323	35	15	the	the	DET
fsr-3323	35	16	american	american	PROPN
fsr-3323	35	17	college	college	PROPN
fsr-3323	35	18	,	,	PUNCT
fsr-3323	35	19	2016	2016	NUM
fsr-3323	35	20	)	)	PUNCT
fsr-3323	35	21	,	,	PUNCT
fsr-3323	35	22	send	send	VERB
fsr-3323	35	23	consumer	consumer	NOUN
fsr-3323	35	24	quality	quality	NOUN
fsr-3323	35	25	signals	signal	NOUN
fsr-3323	35	26	(	(	PUNCT
fsr-3323	35	27	terry	terry	PROPN
fsr-3323	35	28	&	&	CCONJ
fsr-3323	35	29	vibhakar	vibhakar	PROPN
fsr-3323	35	30	,	,	PUNCT
fsr-3323	35	31	2011	2011	NUM
fsr-3323	35	32	)	)	PUNCT
fsr-3323	35	33	implying	imply	VERB
fsr-3323	35	34	lower	low	ADJ
fsr-3323	35	35	misconduct	misconduct	NOUN
fsr-3323	35	36	for	for	ADP
fsr-3323	35	37	designees	designee	NOUN
fsr-3323	35	38	.	.	PUNCT
fsr-3323	36	1	findings	finding	NOUN
fsr-3323	36	2	of	of	ADP
fsr-3323	36	3	valid	valid	ADJ
fsr-3323	36	4	signals	signal	NOUN
fsr-3323	36	5	could	could	AUX
fsr-3323	36	6	have	have	VERB
fsr-3323	36	7	important	important	ADJ
fsr-3323	36	8	consumer	consumer	NOUN
fsr-3323	36	9	welfare	welfare	NOUN
fsr-3323	36	10	and	and	CCONJ
fsr-3323	36	11	policy	policy	NOUN
fsr-3323	36	12	implications	implication	NOUN
fsr-3323	36	13	,	,	PUNCT
fsr-3323	36	14	provide	provide	VERB
fsr-3323	36	15	justification	justification	NOUN
fsr-3323	36	16	to	to	PART
fsr-3323	36	17	adopt	adopt	VERB
fsr-3323	36	18	broad	broad	ADJ
fsr-3323	36	19	fiduciary	fiduciary	ADJ
fsr-3323	36	20	standards	standard	NOUN
fsr-3323	36	21	across	across	ADP
fsr-3323	36	22	the	the	DET
fsr-3323	36	23	multiple	multiple	ADJ
fsr-3323	36	24	advisory	advisory	ADJ
fsr-3323	36	25	channels	channel	NOUN
fsr-3323	36	26	,	,	PUNCT
fsr-3323	36	27	and	and	CCONJ
fsr-3323	36	28	nurture	nurture	VERB
fsr-3323	36	29	standardized	standardized	ADJ
fsr-3323	36	30	professionalism	professionalism	NOUN
fsr-3323	36	31	.	.	PUNCT
fsr-3323	37	1	unlike	unlike	ADP
fsr-3323	37	2	established	establish	VERB
fsr-3323	37	3	professions	profession	NOUN
fsr-3323	37	4	such	such	ADJ
fsr-3323	37	5	as	as	ADP
fsr-3323	37	6	law	law	NOUN
fsr-3323	37	7	,	,	PUNCT
fsr-3323	37	8	medicine	medicine	NOUN
fsr-3323	37	9	,	,	PUNCT
fsr-3323	37	10	and	and	CCONJ
fsr-3323	37	11	accounting	accounting	NOUN
fsr-3323	37	12	,	,	PUNCT
fsr-3323	37	13	advisors	advisor	NOUN
fsr-3323	37	14	have	have	VERB
fsr-3323	37	15	wide	wide	ADJ
fsr-3323	37	16	variations	variation	NOUN
fsr-3323	37	17	in	in	ADP
fsr-3323	37	18	ethical	ethical	ADJ
fsr-3323	37	19	duties	duty	NOUN
fsr-3323	37	20	and	and	CCONJ
fsr-3323	37	21	required	required	ADJ
fsr-3323	37	22	education	education	NOUN
fsr-3323	37	23	.	.	PUNCT
fsr-3323	38	1	regulatory	regulatory	ADJ
fsr-3323	38	2	gaps	gap	NOUN
fsr-3323	38	3	are	be	AUX
fsr-3323	38	4	significant	significant	ADJ
fsr-3323	38	5	and	and	CCONJ
fsr-3323	38	6	persistent	persistent	ADJ
fsr-3323	38	7	(	(	PUNCT
fsr-3323	38	8	gao	gao	PROPN
fsr-3323	38	9	,	,	PUNCT
fsr-3323	38	10	2011	2011	NUM
fsr-3323	38	11	)	)	PUNCT
fsr-3323	38	12	.	.	PUNCT
fsr-3323	39	1	ria	ria	PROPN
fsr-3323	39	2	companies	company	NOUN
fsr-3323	39	3	and	and	CCONJ
fsr-3323	39	4	their	their	PRON
fsr-3323	39	5	iar	iar	PROPN
fsr-3323	39	6	agents	agent	NOUN
fsr-3323	39	7	are	be	AUX
fsr-3323	39	8	required	require	VERB
fsr-3323	39	9	to	to	PART
fsr-3323	39	10	protect	protect	VERB
fsr-3323	39	11	clients	client	NOUN
fsr-3323	39	12	’	’	PART
fsr-3323	39	13	best	good	ADJ
fsr-3323	39	14	interests	interest	NOUN
fsr-3323	39	15	by	by	ADP
fsr-3323	39	16	being	be	AUX
fsr-3323	39	17	held	hold	VERB
fsr-3323	39	18	to	to	ADP
fsr-3323	39	19	a	a	DET
fsr-3323	39	20	fiduciary	fiduciary	ADJ
fsr-3323	39	21	standard	standard	NOUN
fsr-3323	39	22	,	,	PUNCT
fsr-3323	39	23	but	but	CCONJ
fsr-3323	39	24	rrs	rrs	NOUN
fsr-3323	39	25	—	—	PUNCT
fsr-3323	39	26	even	even	ADV
fsr-3323	39	27	when	when	SCONJ
fsr-3323	39	28	dully	dully	ADV
fsr-3323	39	29	licensed	license	VERB
fsr-3323	39	30	as	as	ADP
fsr-3323	39	31	iars	iar	NOUN
fsr-3323	39	32	—	—	PUNCT
fsr-3323	39	33	are	be	AUX
fsr-3323	39	34	not	not	PART
fsr-3323	39	35	.	.	PUNCT
fsr-3323	40	1	rrs	rrs	PROPN
fsr-3323	40	2	may	may	AUX
fsr-3323	40	3	appear	appear	VERB
fsr-3323	40	4	to	to	ADP
fsr-3323	40	5	consumers	consumer	NOUN
fsr-3323	40	6	as	as	ADP
fsr-3323	40	7	fiduciaries	fiduciary	NOUN
fsr-3323	40	8	,	,	PUNCT
fsr-3323	40	9	but	but	CCONJ
fsr-3323	40	10	are	be	AUX
fsr-3323	40	11	generally	generally	ADV
fsr-3323	40	12	held	hold	VERB
fsr-3323	40	13	only	only	ADV
fsr-3323	40	14	to	to	ADP
fsr-3323	40	15	the	the	DET
fsr-3323	40	16	lower	low	ADJ
fsr-3323	40	17	suitability	suitability	NOUN
fsr-3323	40	18	standard	standard	NOUN
fsr-3323	40	19	,	,	PUNCT
fsr-3323	40	20	allowing	allow	VERB
fsr-3323	40	21	them	they	PRON
fsr-3323	40	22	to	to	PART
fsr-3323	40	23	put	put	VERB
fsr-3323	40	24	their	their	PRON
fsr-3323	40	25	own	own	ADJ
fsr-3323	40	26	interests	interest	NOUN
fsr-3323	40	27	first	first	ADV
fsr-3323	40	28	.	.	PUNCT
fsr-3323	41	1	the	the	DET
fsr-3323	41	2	data	datum	NOUN
fsr-3323	41	3	here	here	ADV
fsr-3323	41	4	precede	precede	VERB
fsr-3323	41	5	implementation	implementation	NOUN
fsr-3323	41	6	of	of	ADP
fsr-3323	41	7	the	the	DET
fsr-3323	41	8	emerging	emerge	VERB
fsr-3323	41	9	dol	dol	NOUN
fsr-3323	41	10	rule	rule	NOUN
fsr-3323	41	11	that	that	PRON
fsr-3323	41	12	would	would	AUX
fsr-3323	41	13	apply	apply	VERB
fsr-3323	41	14	a	a	DET
fsr-3323	41	15	limited	limited	ADJ
fsr-3323	41	16	fiduciary	fiduciary	ADJ
fsr-3323	41	17	rr	rr	NOUN
fsr-3323	41	18	duty	duty	NOUN
fsr-3323	41	19	to	to	PART
fsr-3323	41	20	retirement	retirement	NOUN
fsr-3323	41	21	accounts	account	NOUN
fsr-3323	41	22	only	only	ADV
fsr-3323	41	23	.	.	PUNCT
fsr-3323	42	1	very	very	ADV
fsr-3323	42	2	many	many	ADJ
fsr-3323	42	3	study	study	NOUN
fsr-3323	42	4	rrs	rrs	NOUN
fsr-3323	42	5	have	have	VERB
fsr-3323	42	6	the	the	DET
fsr-3323	42	7	cfp	cfp	PROPN
fsr-3323	42	8	,	,	PUNCT
fsr-3323	42	9	chfc	chfc	NOUN
fsr-3323	42	10	,	,	PUNCT
fsr-3323	42	11	and	and	CCONJ
fsr-3323	42	12	cfa	cfa	PROPN
fsr-3323	42	13	designations	designation	NOUN
fsr-3323	42	14	(	(	PUNCT
fsr-3323	42	15	the	the	DET
fsr-3323	42	16	“	"	PUNCT
fsr-3323	42	17	study	study	NOUN
fsr-3323	42	18	designations	designation	NOUN
fsr-3323	42	19	”	"	PUNCT
fsr-3323	42	20	)	)	PUNCT
fsr-3323	42	21	.	.	PUNCT
fsr-3323	43	1	these	these	PRON
fsr-3323	43	2	require	require	VERB
fsr-3323	43	3	meaningful	meaningful	ADJ
fsr-3323	43	4	study	study	NOUN
fsr-3323	43	5	,	,	PUNCT
fsr-3323	43	6	examination	examination	NOUN
fsr-3323	43	7	,	,	PUNCT
fsr-3323	43	8	and	and	CCONJ
fsr-3323	43	9	allegiance	allegiance	NOUN
fsr-3323	43	10	to	to	ADP
fsr-3323	43	11	ethical	ethical	ADJ
fsr-3323	43	12	codes	code	NOUN
fsr-3323	43	13	with	with	ADP
fsr-3323	43	14	much	much	ADV
fsr-3323	43	15	stronger	strong	ADJ
fsr-3323	43	16	duties	duty	NOUN
fsr-3323	43	17	than	than	ADP
fsr-3323	43	18	rr	rr	NOUN
fsr-3323	43	19	rules	rule	NOUN
fsr-3323	43	20	.	.	PUNCT
fsr-3323	44	1	designated	designate	VERB
fsr-3323	44	2	and	and	CCONJ
fsr-3323	44	3	undesignated	undesignated	ADJ
fsr-3323	44	4	rrs	rrs	NOUN
fsr-3323	44	5	are	be	AUX
fsr-3323	44	6	hired	hire	VERB
fsr-3323	44	7	to	to	PART
fsr-3323	44	8	sell	sell	VERB
fsr-3323	44	9	commission	commission	NOUN
fsr-3323	44	10	products	product	NOUN
fsr-3323	44	11	and	and	CCONJ
fsr-3323	44	12	operate	operate	VERB
fsr-3323	44	13	under	under	ADP
fsr-3323	44	14	the	the	DET
fsr-3323	44	15	same	same	ADJ
fsr-3323	44	16	regulations	regulation	NOUN
fsr-3323	44	17	;	;	PUNCT
fsr-3323	44	18	neither	neither	CCONJ
fsr-3323	44	19	are	be	AUX
fsr-3323	44	20	legally	legally	ADV
fsr-3323	44	21	generally	generally	ADV
fsr-3323	44	22	272	272	NUM
fsr-3323	44	23	j.m	j.m	PROPN
fsr-3323	44	24	.	.	PROPN
fsr-3323	44	25	camarda	camarda	PROPN
fsr-3323	44	26	/	/	SYM
fsr-3323	44	27	financial	financial	ADJ
fsr-3323	44	28	services	service	NOUN
fsr-3323	44	29	review	review	VERB
fsr-3323	44	30	26	26	NUM
fsr-3323	44	31	(	(	PUNCT
fsr-3323	44	32	2017	2017	NUM
fsr-3323	44	33	)	)	PUNCT
fsr-3323	44	34	271–290	271–290	NUM
fsr-3323	44	35	required	require	VERB
fsr-3323	44	36	to	to	PART
fsr-3323	44	37	act	act	VERB
fsr-3323	44	38	as	as	ADP
fsr-3323	44	39	fiduciaries	fiduciary	NOUN
fsr-3323	44	40	.	.	PUNCT
fsr-3323	45	1	many	many	ADJ
fsr-3323	45	2	rrs	rrs	X
fsr-3323	45	3	offer	offer	NOUN
fsr-3323	45	4	advice	advice	NOUN
fsr-3323	45	5	under	under	ADP
fsr-3323	45	6	marketing	marketing	NOUN
fsr-3323	45	7	flags	flag	NOUN
fsr-3323	45	8	that	that	PRON
fsr-3323	45	9	inaccurately	inaccurately	ADV
fsr-3323	45	10	imply	imply	VERB
fsr-3323	45	11	fiduciary	fiduciary	ADJ
fsr-3323	45	12	duty	duty	NOUN
fsr-3323	45	13	(	(	PUNCT
fsr-3323	45	14	raymond	raymond	PROPN
fsr-3323	45	15	james	james	PROPN
fsr-3323	45	16	mission	mission	PROPN
fsr-3323	45	17	statement	statement	NOUN
fsr-3323	45	18	,	,	PUNCT
fsr-3323	45	19	2016	2016	NUM
fsr-3323	45	20	)	)	PUNCT
fsr-3323	45	21	,	,	PUNCT
fsr-3323	45	22	flown	fly	VERB
fsr-3323	45	23	by	by	ADP
fsr-3323	45	24	some	some	DET
fsr-3323	45	25	bds	bds	NOUN
fsr-3323	45	26	with	with	ADP
fsr-3323	45	27	the	the	DET
fsr-3323	45	28	very	very	ADV
fsr-3323	45	29	highest	high	ADJ
fsr-3323	45	30	misconduct	misconduct	NOUN
fsr-3323	45	31	rates	rate	NOUN
fsr-3323	45	32	(	(	PUNCT
fsr-3323	45	33	egan	egan	PROPN
fsr-3323	45	34	,	,	PUNCT
fsr-3323	45	35	matvos	matvos	NUM
fsr-3323	45	36	,	,	PUNCT
fsr-3323	45	37	&	&	CCONJ
fsr-3323	45	38	seru	seru	PROPN
fsr-3323	45	39	,	,	PUNCT
fsr-3323	45	40	2016	2016	NUM
fsr-3323	45	41	)	)	PUNCT
fsr-3323	45	42	.	.	PUNCT
fsr-3323	46	1	such	such	ADJ
fsr-3323	46	2	misleading	misleading	ADJ
fsr-3323	46	3	claims	claim	NOUN
fsr-3323	46	4	seem	seem	VERB
fsr-3323	46	5	common	common	ADJ
fsr-3323	46	6	.	.	PUNCT
fsr-3323	47	1	(	(	PUNCT
fsr-3323	47	2	vystar	vystar	NOUN
fsr-3323	47	3	ad	ad	NOUN
fsr-3323	47	4	,	,	PUNCT
fsr-3323	47	5	2016	2016	NUM
fsr-3323	47	6	,	,	PUNCT
fsr-3323	47	7	p.	p.	PROPN
fsr-3323	47	8	b-8	b-8	PROPN
fsr-3323	47	9	)	)	PUNCT
fsr-3323	47	10	.	.	PUNCT
fsr-3323	48	1	hauptman	hauptman	NOUN
fsr-3323	48	2	and	and	CCONJ
fsr-3323	48	3	roper	roper	NOUN
fsr-3323	48	4	(	(	PUNCT
fsr-3323	48	5	2017	2017	NUM
fsr-3323	48	6	)	)	PUNCT
fsr-3323	48	7	find	find	VERB
fsr-3323	48	8	such	such	ADJ
fsr-3323	48	9	claims	claim	NOUN
fsr-3323	48	10	endemic	endemic	ADJ
fsr-3323	48	11	to	to	ADP
fsr-3323	48	12	the	the	DET
fsr-3323	48	13	bd	bd	PROPN
fsr-3323	48	14	industry	industry	NOUN
fsr-3323	48	15	.	.	PUNCT
fsr-3323	49	1	finra	finra	PROPN
fsr-3323	49	2	advisors	advisor	NOUN
fsr-3323	49	3	exhibit	exhibit	VERB
fsr-3323	49	4	a	a	DET
fsr-3323	49	5	high	high	ADJ
fsr-3323	49	6	level	level	NOUN
fsr-3323	49	7	of	of	ADP
fsr-3323	49	8	misconduct	misconduct	NOUN
fsr-3323	49	9	,	,	PUNCT
fsr-3323	49	10	and	and	CCONJ
fsr-3323	49	11	an	an	DET
fsr-3323	49	12	anomalous	anomalous	ADJ
fsr-3323	49	13	concentration	concentration	NOUN
fsr-3323	49	14	of	of	ADP
fsr-3323	49	15	repeat	repeat	NOUN
fsr-3323	49	16	offenders	offender	NOUN
fsr-3323	49	17	,	,	PUNCT
fsr-3323	49	18	compared	compare	VERB
fsr-3323	49	19	with	with	ADP
fsr-3323	49	20	physicians	physician	NOUN
fsr-3323	49	21	(	(	PUNCT
fsr-3323	49	22	egan	egan	PROPN
fsr-3323	49	23	et	et	PROPN
fsr-3323	49	24	al	al	PROPN
fsr-3323	49	25	.	.	PROPN
fsr-3323	49	26	,	,	PUNCT
fsr-3323	49	27	2016	2016	NUM
fsr-3323	49	28	)	)	PUNCT
fsr-3323	49	29	.	.	PUNCT
fsr-3323	50	1	3	3	X
fsr-3323	50	2	.	.	X
fsr-3323	50	3	the	the	DET
fsr-3323	50	4	question	question	NOUN
fsr-3323	50	5	of	of	ADP
fsr-3323	50	6	financial	financial	ADJ
fsr-3323	50	7	advisor	advisor	NOUN
fsr-3323	50	8	professionalism	professionalism	NOUN
fsr-3323	50	9	there	there	PRON
fsr-3323	50	10	are	be	VERB
fsr-3323	50	11	no	no	DET
fsr-3323	50	12	uniform	uniform	ADJ
fsr-3323	50	13	professional	professional	ADJ
fsr-3323	50	14	standards	standard	NOUN
fsr-3323	50	15	to	to	PART
fsr-3323	50	16	which	which	PRON
fsr-3323	50	17	those	those	PRON
fsr-3323	50	18	calling	call	VERB
fsr-3323	50	19	themselves	themselves	PRON
fsr-3323	50	20	financial	financial	ADJ
fsr-3323	50	21	advisors	advisor	NOUN
fsr-3323	50	22	must	must	AUX
fsr-3323	50	23	adhere	adhere	VERB
fsr-3323	50	24	,	,	PUNCT
fsr-3323	50	25	and	and	CCONJ
fsr-3323	50	26	on	on	ADP
fsr-3323	50	27	which	which	PRON
fsr-3323	50	28	the	the	DET
fsr-3323	50	29	public	public	NOUN
fsr-3323	50	30	can	can	AUX
fsr-3323	50	31	rely	rely	VERB
fsr-3323	50	32	.	.	PUNCT
fsr-3323	51	1	the	the	DET
fsr-3323	51	2	occupation	occupation	NOUN
fsr-3323	51	3	,	,	PUNCT
fsr-3323	51	4	as	as	ADP
fsr-3323	51	5	a	a	DET
fsr-3323	51	6	whole	whole	NOUN
fsr-3323	51	7	,	,	PUNCT
fsr-3323	51	8	does	do	AUX
fsr-3323	51	9	not	not	PART
fsr-3323	51	10	rise	rise	VERB
fsr-3323	51	11	to	to	ADP
fsr-3323	51	12	established	establish	VERB
fsr-3323	51	13	standards	standard	NOUN
fsr-3323	51	14	of	of	ADP
fsr-3323	51	15	professionalism	professionalism	NOUN
fsr-3323	51	16	.	.	PUNCT
fsr-3323	52	1	while	while	SCONJ
fsr-3323	52	2	some	some	PRON
fsr-3323	52	3	,	,	PUNCT
fsr-3323	52	4	such	such	ADJ
fsr-3323	52	5	as	as	ADP
fsr-3323	52	6	study	study	NOUN
fsr-3323	52	7	designees	designee	NOUN
fsr-3323	52	8	,	,	PUNCT
fsr-3323	52	9	do	do	VERB
fsr-3323	52	10	or	or	CCONJ
fsr-3323	52	11	purport	purport	VERB
fsr-3323	52	12	to	to	PART
fsr-3323	52	13	,	,	PUNCT
fsr-3323	52	14	it	it	PRON
fsr-3323	52	15	is	be	AUX
fsr-3323	52	16	important	important	ADJ
fsr-3323	52	17	to	to	PART
fsr-3323	52	18	note	note	VERB
fsr-3323	52	19	that	that	SCONJ
fsr-3323	52	20	these	these	PRON
fsr-3323	52	21	represent	represent	VERB
fsr-3323	52	22	an	an	DET
fsr-3323	52	23	occupational	occupational	ADJ
fsr-3323	52	24	subset	subset	NOUN
fsr-3323	52	25	,	,	PUNCT
fsr-3323	52	26	and	and	CCONJ
fsr-3323	52	27	that	that	SCONJ
fsr-3323	52	28	the	the	DET
fsr-3323	52	29	public	public	NOUN
fsr-3323	52	30	may	may	AUX
fsr-3323	52	31	not	not	PART
fsr-3323	52	32	be	be	AUX
fsr-3323	52	33	aware	aware	ADJ
fsr-3323	52	34	of	of	ADP
fsr-3323	52	35	the	the	DET
fsr-3323	52	36	difference	difference	NOUN
fsr-3323	52	37	.	.	PUNCT
fsr-3323	53	1	this	this	DET
fsr-3323	53	2	study	study	NOUN
fsr-3323	53	3	distills	distill	VERB
fsr-3323	53	4	six	six	NUM
fsr-3323	53	5	theoretical	theoretical	ADJ
fsr-3323	53	6	attributes	attribute	NOUN
fsr-3323	53	7	of	of	ADP
fsr-3323	53	8	a	a	DET
fsr-3323	53	9	profession	profession	NOUN
fsr-3323	53	10	from	from	ADP
fsr-3323	53	11	the	the	DET
fsr-3323	53	12	literature	literature	NOUN
fsr-3323	53	13	(	(	PUNCT
fsr-3323	53	14	dean	dean	PROPN
fsr-3323	53	15	,	,	PUNCT
fsr-3323	53	16	1997	1997	NUM
fsr-3323	53	17	;	;	PUNCT
fsr-3323	53	18	flexner	flexner	NOUN
fsr-3323	53	19	,	,	PUNCT
fsr-3323	53	20	1976	1976	NUM
fsr-3323	53	21	;	;	PUNCT
fsr-3323	53	22	flexner	flexner	NOUN
fsr-3323	53	23	&	&	CCONJ
fsr-3323	53	24	metzger	metzger	PROPN
fsr-3323	53	25	,	,	PUNCT
fsr-3323	53	26	1976	1976	NUM
fsr-3323	53	27	;	;	PUNCT
fsr-3323	53	28	khurana	khurana	PROPN
fsr-3323	53	29	,	,	PUNCT
fsr-3323	53	30	nohria	nohria	PROPN
fsr-3323	53	31	,	,	PUNCT
fsr-3323	53	32	&	&	CCONJ
fsr-3323	53	33	penrice	penrice	PROPN
fsr-3323	53	34	,	,	PUNCT
fsr-3323	53	35	2005	2005	NUM
fsr-3323	53	36	,	,	PUNCT
fsr-3323	53	37	khurana	khurana	PROPN
fsr-3323	53	38	&	&	CCONJ
fsr-3323	53	39	nohria	nohria	PROPN
fsr-3323	53	40	,	,	PUNCT
fsr-3323	53	41	2008	2008	NUM
fsr-3323	53	42	;	;	PUNCT
fsr-3323	53	43	ragatz	ragatz	NOUN
fsr-3323	53	44	&	&	CCONJ
fsr-3323	53	45	duska	duska	PROPN
fsr-3323	53	46	,	,	PUNCT
fsr-3323	53	47	2010	2010	NUM
fsr-3323	53	48	;	;	PUNCT
fsr-3323	53	49	schaefer	schaefer	NOUN
fsr-3323	53	50	,	,	PUNCT
fsr-3323	53	51	1984	1984	NUM
fsr-3323	53	52	)	)	PUNCT
fsr-3323	53	53	and	and	CCONJ
fsr-3323	53	54	tests	test	VERB
fsr-3323	53	55	advisors	advisor	NOUN
fsr-3323	53	56	against	against	ADP
fsr-3323	53	57	them	they	PRON
fsr-3323	53	58	:	:	PUNCT
fsr-3323	53	59	1	1	X
fsr-3323	53	60	.	.	NUM
fsr-3323	53	61	specialized	specialize	VERB
fsr-3323	53	62	,	,	PUNCT
fsr-3323	53	63	arcane	arcane	ADJ
fsr-3323	53	64	,	,	PUNCT
fsr-3323	53	65	deep	deep	ADJ
fsr-3323	53	66	,	,	PUNCT
fsr-3323	53	67	socially	socially	ADV
fsr-3323	53	68	useful	useful	ADJ
fsr-3323	53	69	expert	expert	ADJ
fsr-3323	53	70	knowledge	knowledge	NOUN
fsr-3323	53	71	requiring	require	VERB
fsr-3323	53	72	hard	hard	ADJ
fsr-3323	53	73	and	and	CCONJ
fsr-3323	53	74	constant	constant	ADJ
fsr-3323	53	75	study	study	NOUN
fsr-3323	53	76	,	,	PUNCT
fsr-3323	53	77	that	that	PRON
fsr-3323	53	78	is	be	AUX
fsr-3323	53	79	codified	codify	VERB
fsr-3323	53	80	,	,	PUNCT
fsr-3323	53	81	evolves	evolve	NOUN
fsr-3323	53	82	and	and	CCONJ
fsr-3323	53	83	is	be	AUX
fsr-3323	53	84	perpetuated	perpetuate	VERB
fsr-3323	53	85	:	:	PUNCT
fsr-3323	53	86	while	while	SCONJ
fsr-3323	53	87	a	a	DET
fsr-3323	53	88	rigorous	rigorous	ADJ
fsr-3323	53	89	body	body	NOUN
fsr-3323	53	90	of	of	ADP
fsr-3323	53	91	academic	academic	ADJ
fsr-3323	53	92	knowledge	knowledge	NOUN
fsr-3323	53	93	is	be	AUX
fsr-3323	53	94	developing	develop	VERB
fsr-3323	53	95	(	(	PUNCT
fsr-3323	53	96	kitces	kitce	NOUN
fsr-3323	53	97	,	,	PUNCT
fsr-3323	53	98	2014b	2014b	NUM
fsr-3323	53	99	)	)	PUNCT
fsr-3323	53	100	,	,	PUNCT
fsr-3323	53	101	there	there	PRON
fsr-3323	53	102	is	be	VERB
fsr-3323	53	103	no	no	DET
fsr-3323	53	104	requirement	requirement	NOUN
fsr-3323	53	105	that	that	SCONJ
fsr-3323	53	106	a	a	DET
fsr-3323	53	107	practitioner	practitioner	NOUN
fsr-3323	53	108	obtain	obtain	VERB
fsr-3323	53	109	it	it	PRON
fsr-3323	53	110	(	(	PUNCT
fsr-3323	53	111	kitces	kitce	NOUN
fsr-3323	53	112	,	,	PUNCT
fsr-3323	53	113	2015b	2015b	NUM
fsr-3323	53	114	;	;	PUNCT
fsr-3323	53	115	moisand	moisand	NOUN
fsr-3323	53	116	,	,	PUNCT
fsr-3323	53	117	2008	2008	NUM
fsr-3323	53	118	)	)	PUNCT
fsr-3323	53	119	.	.	PUNCT
fsr-3323	54	1	2	2	X
fsr-3323	54	2	.	.	X
fsr-3323	54	3	rigorous	rigorous	ADJ
fsr-3323	54	4	testing	testing	NOUN
fsr-3323	54	5	,	,	PUNCT
fsr-3323	54	6	vetting	vetting	NOUN
fsr-3323	54	7	,	,	PUNCT
fsr-3323	54	8	and	and	CCONJ
fsr-3323	54	9	certification	certification	NOUN
fsr-3323	54	10	of	of	ADP
fsr-3323	54	11	expert	expert	ADJ
fsr-3323	54	12	knowledge	knowledge	NOUN
fsr-3323	54	13	and	and	CCONJ
fsr-3323	54	14	ability	ability	NOUN
fsr-3323	54	15	:	:	PUNCT
fsr-3323	54	16	no	no	DET
fsr-3323	54	17	practitioners	practitioner	NOUN
fsr-3323	54	18	’	'	PUNCT
fsr-3323	54	19	requirement	requirement	NOUN
fsr-3323	54	20	(	(	PUNCT
fsr-3323	54	21	gao	gao	PROPN
fsr-3323	54	22	,	,	PUNCT
fsr-3323	54	23	2011	2011	NUM
fsr-3323	54	24	;	;	PUNCT
fsr-3323	54	25	kitces	kitce	NOUN
fsr-3323	54	26	,	,	PUNCT
fsr-3323	54	27	2015b	2015b	NUM
fsr-3323	54	28	)	)	PUNCT
fsr-3323	54	29	.	.	PUNCT
fsr-3323	55	1	3	3	X
fsr-3323	55	2	.	.	X
fsr-3323	55	3	the	the	DET
fsr-3323	55	4	placing	placing	NOUN
fsr-3323	55	5	of	of	ADP
fsr-3323	55	6	explored	explore	VERB
fsr-3323	55	7	client	client	NOUN
fsr-3323	55	8	interests	interest	NOUN
fsr-3323	55	9	before	before	ADP
fsr-3323	55	10	the	the	DET
fsr-3323	55	11	professional	professional	NOUN
fsr-3323	55	12	’s	’s	NOUN
fsr-3323	55	13	:	:	PUNCT
fsr-3323	55	14	there	there	PRON
fsr-3323	55	15	is	be	VERB
fsr-3323	55	16	no	no	DET
fsr-3323	55	17	general	general	ADJ
fsr-3323	55	18	requirement	requirement	NOUN
fsr-3323	55	19	of	of	ADP
fsr-3323	55	20	fiduciary	fiduciary	ADJ
fsr-3323	55	21	duty	duty	NOUN
fsr-3323	55	22	(	(	PUNCT
fsr-3323	55	23	cummings	cummings	PROPN
fsr-3323	55	24	&	&	CCONJ
fsr-3323	55	25	finke	finke	PROPN
fsr-3323	55	26	,	,	PUNCT
fsr-3323	55	27	2010	2010	NUM
fsr-3323	55	28	;	;	PUNCT
fsr-3323	55	29	gao	gao	PROPN
fsr-3323	55	30	,	,	PUNCT
fsr-3323	55	31	2011	2011	NUM
fsr-3323	55	32	)	)	PUNCT
fsr-3323	55	33	.	.	PUNCT
fsr-3323	56	1	4	4	X
fsr-3323	56	2	.	.	X
fsr-3323	56	3	formal	formal	ADJ
fsr-3323	56	4	system	system	NOUN
fsr-3323	56	5	for	for	ADP
fsr-3323	56	6	professional	professional	ADJ
fsr-3323	56	7	standards	standard	NOUN
fsr-3323	56	8	promulgation	promulgation	NOUN
fsr-3323	56	9	and	and	CCONJ
fsr-3323	56	10	oversight	oversight	NOUN
fsr-3323	56	11	:	:	PUNCT
fsr-3323	56	12	while	while	SCONJ
fsr-3323	56	13	a	a	DET
fsr-3323	56	14	number	number	NOUN
fsr-3323	56	15	of	of	ADP
fsr-3323	56	16	detailed	detailed	ADJ
fsr-3323	56	17	financial	financial	ADJ
fsr-3323	56	18	designation	designation	NOUN
fsr-3323	56	19	ethical	ethical	ADJ
fsr-3323	56	20	codes	code	NOUN
fsr-3323	56	21	have	have	AUX
fsr-3323	56	22	emerged	emerge	VERB
fsr-3323	56	23	as	as	SCONJ
fsr-3323	56	24	cataloged	catalog	VERB
fsr-3323	56	25	by	by	ADP
fsr-3323	56	26	ragatz	ragatz	NOUN
fsr-3323	56	27	and	and	CCONJ
fsr-3323	56	28	duska	duska	NOUN
fsr-3323	56	29	(	(	PUNCT
fsr-3323	56	30	2010	2010	NUM
fsr-3323	56	31	)	)	PUNCT
fsr-3323	56	32	,	,	PUNCT
fsr-3323	56	33	these	these	PRON
fsr-3323	56	34	do	do	AUX
fsr-3323	56	35	not	not	PART
fsr-3323	56	36	apply	apply	VERB
fsr-3323	56	37	to	to	ADP
fsr-3323	56	38	all	all	DET
fsr-3323	56	39	financial	financial	ADJ
fsr-3323	56	40	advisory	advisory	ADJ
fsr-3323	56	41	practitioners	practitioner	NOUN
fsr-3323	56	42	.	.	PUNCT
fsr-3323	57	1	(	(	PUNCT
fsr-3323	57	2	gao	gao	PROPN
fsr-3323	57	3	,	,	PUNCT
fsr-3323	57	4	2011	2011	NUM
fsr-3323	57	5	;	;	PUNCT
fsr-3323	57	6	ragatz	ragatz	NOUN
fsr-3323	57	7	&	&	CCONJ
fsr-3323	57	8	duska	duska	PROPN
fsr-3323	57	9	,	,	PUNCT
fsr-3323	57	10	2010	2010	NUM
fsr-3323	57	11	)	)	PUNCT
fsr-3323	57	12	.	.	PUNCT
fsr-3323	58	1	5	5	X
fsr-3323	58	2	.	.	NOUN
fsr-3323	58	3	monopoly	monopoly	NOUN
fsr-3323	58	4	power	power	NOUN
fsr-3323	58	5	derived	derive	VERB
fsr-3323	58	6	from	from	ADP
fsr-3323	58	7	social	social	ADJ
fsr-3323	58	8	contract	contract	NOUN
fsr-3323	58	9	:	:	PUNCT
fsr-3323	58	10	this	this	DET
fsr-3323	58	11	aspect	aspect	NOUN
fsr-3323	58	12	is	be	AUX
fsr-3323	58	13	completely	completely	ADV
fsr-3323	58	14	nonexistent	nonexistent	ADJ
fsr-3323	58	15	in	in	ADP
fsr-3323	58	16	the	the	DET
fsr-3323	58	17	current	current	ADJ
fsr-3323	58	18	environment	environment	NOUN
fsr-3323	58	19	(	(	PUNCT
fsr-3323	58	20	cummings	cummings	PROPN
fsr-3323	58	21	&	&	CCONJ
fsr-3323	58	22	finke	finke	PROPN
fsr-3323	58	23	,	,	PUNCT
fsr-3323	58	24	2010	2010	NUM
fsr-3323	58	25	;	;	PUNCT
fsr-3323	58	26	gao	gao	PROPN
fsr-3323	58	27	,	,	PUNCT
fsr-3323	58	28	2011	2011	NUM
fsr-3323	58	29	)	)	PUNCT
fsr-3323	58	30	.	.	PUNCT
fsr-3323	59	1	6	6	X
fsr-3323	59	2	.	.	X
fsr-3323	59	3	commitment	commitment	NOUN
fsr-3323	59	4	to	to	ADP
fsr-3323	59	5	excellence	excellence	NOUN
fsr-3323	59	6	,	,	PUNCT
fsr-3323	59	7	service	service	NOUN
fsr-3323	59	8	,	,	PUNCT
fsr-3323	59	9	collegiality	collegiality	NOUN
fsr-3323	59	10	,	,	PUNCT
fsr-3323	59	11	and	and	CCONJ
fsr-3323	59	12	dignified	dignified	ADJ
fsr-3323	59	13	conduct	conduct	NOUN
fsr-3323	59	14	:	:	PUNCT
fsr-3323	59	15	for	for	ADP
fsr-3323	59	16	the	the	DET
fsr-3323	59	17	reasons	reason	NOUN
fsr-3323	59	18	discussed	discuss	VERB
fsr-3323	59	19	under	under	ADP
fsr-3323	59	20	4	4	NUM
fsr-3323	59	21	,	,	PUNCT
fsr-3323	59	22	above	above	ADV
fsr-3323	59	23	,	,	PUNCT
fsr-3323	59	24	this	this	DET
fsr-3323	59	25	test	test	NOUN
fsr-3323	59	26	is	be	AUX
fsr-3323	59	27	not	not	PART
fsr-3323	59	28	met	meet	VERB
fsr-3323	59	29	.	.	PUNCT
fsr-3323	60	1	moisand	moisand	NOUN
fsr-3323	60	2	(	(	PUNCT
fsr-3323	60	3	2012	2012	NUM
fsr-3323	60	4	)	)	PUNCT
fsr-3323	60	5	analyzes	analyze	VERB
fsr-3323	60	6	financial	financial	ADJ
fsr-3323	60	7	planning	planning	NOUN
fsr-3323	60	8	and	and	CCONJ
fsr-3323	60	9	also	also	ADV
fsr-3323	60	10	concludes	conclude	VERB
fsr-3323	60	11	it	it	PRON
fsr-3323	60	12	is	be	AUX
fsr-3323	60	13	not	not	PART
fsr-3323	60	14	a	a	DET
fsr-3323	60	15	profession	profession	NOUN
fsr-3323	60	16	.	.	PUNCT
fsr-3323	61	1	others	other	NOUN
fsr-3323	61	2	(	(	PUNCT
fsr-3323	61	3	financial	financial	ADJ
fsr-3323	61	4	planning	planning	NOUN
fsr-3323	61	5	coalition	coalition	NOUN
fsr-3323	61	6	,	,	PUNCT
fsr-3323	61	7	2014	2014	NUM
fsr-3323	61	8	;	;	PUNCT
fsr-3323	61	9	frumento	frumento	PROPN
fsr-3323	61	10	&	&	CCONJ
fsr-3323	61	11	korenman	korenman	PROPN
fsr-3323	61	12	,	,	PUNCT
fsr-3323	61	13	2013	2013	NUM
fsr-3323	61	14	)	)	PUNCT
fsr-3323	61	15	concur	concur	NOUN
fsr-3323	61	16	and	and	CCONJ
fsr-3323	61	17	suggest	suggest	VERB
fsr-3323	61	18	the	the	DET
fsr-3323	61	19	lack	lack	NOUN
fsr-3323	61	20	of	of	ADP
fsr-3323	61	21	real	real	ADJ
fsr-3323	61	22	governmental	governmental	ADJ
fsr-3323	61	23	regulation	regulation	NOUN
fsr-3323	61	24	as	as	ADP
fsr-3323	61	25	a	a	DET
fsr-3323	61	26	profession	profession	NOUN
fsr-3323	61	27	promotes	promote	VERB
fsr-3323	61	28	unethical	unethical	ADJ
fsr-3323	61	29	and	and	CCONJ
fsr-3323	61	30	fraudulent	fraudulent	ADJ
fsr-3323	61	31	activity	activity	NOUN
fsr-3323	61	32	.	.	PUNCT
fsr-3323	62	1	while	while	SCONJ
fsr-3323	62	2	a	a	DET
fsr-3323	62	3	profession	profession	NOUN
fsr-3323	62	4	is	be	AUX
fsr-3323	62	5	clearly	clearly	ADV
fsr-3323	62	6	emerging	emerge	VERB
fsr-3323	62	7	,	,	PUNCT
fsr-3323	62	8	a	a	DET
fsr-3323	62	9	still	still	ADV
fsr-3323	62	10	-	-	PUNCT
fsr-3323	62	11	nascent	nascent	ADJ
fsr-3323	62	12	commitment	commitment	NOUN
fsr-3323	62	13	to	to	ADP
fsr-3323	62	14	formalized	formalize	VERB
fsr-3323	62	15	academic	academic	ADJ
fsr-3323	62	16	development	development	NOUN
fsr-3323	62	17	is	be	AUX
fsr-3323	62	18	critical	critical	ADJ
fsr-3323	62	19	to	to	ADP
fsr-3323	62	20	its	its	PRON
fsr-3323	62	21	success	success	NOUN
fsr-3323	62	22	(	(	PUNCT
fsr-3323	62	23	warschauer	warschauer	NOUN
fsr-3323	62	24	,	,	PUNCT
fsr-3323	62	25	2002	2002	NUM
fsr-3323	62	26	)	)	PUNCT
fsr-3323	62	27	.	.	PUNCT
fsr-3323	63	1	undefined	undefined	ADJ
fsr-3323	63	2	terms	term	NOUN
fsr-3323	63	3	like	like	ADP
fsr-3323	63	4	financial	financial	ADJ
fsr-3323	63	5	advisor	advisor	NOUN
fsr-3323	63	6	are	be	AUX
fsr-3323	63	7	freely	freely	ADV
fsr-3323	63	8	used	use	VERB
fsr-3323	63	9	without	without	ADP
fsr-3323	63	10	regulation	regulation	NOUN
fsr-3323	63	11	(	(	PUNCT
fsr-3323	63	12	gao	gao	PROPN
fsr-3323	63	13	,	,	PUNCT
fsr-3323	63	14	2011	2011	NUM
fsr-3323	63	15	)	)	PUNCT
fsr-3323	63	16	.	.	PUNCT
fsr-3323	64	1	consumers	consumer	NOUN
fsr-3323	64	2	may	may	AUX
fsr-3323	64	3	not	not	PART
fsr-3323	64	4	understand	understand	VERB
fsr-3323	64	5	the	the	DET
fsr-3323	64	6	difference	difference	NOUN
fsr-3323	64	7	between	between	ADP
fsr-3323	64	8	fiduciary	fiduciary	ADJ
fsr-3323	64	9	iars	iar	NOUN
fsr-3323	64	10	and	and	CCONJ
fsr-3323	64	11	rrs	rrs	NOUN
fsr-3323	64	12	who	who	PRON
fsr-3323	64	13	are	be	AUX
fsr-3323	64	14	free	free	ADJ
fsr-3323	64	15	to	to	PART
fsr-3323	64	16	enrich	enrich	VERB
fsr-3323	64	17	themselves	themselves	PRON
fsr-3323	64	18	at	at	ADP
fsr-3323	64	19	clients	client	NOUN
fsr-3323	64	20	’	'	PUNCT
fsr-3323	64	21	expense	expense	NOUN
fsr-3323	64	22	(	(	PUNCT
fsr-3323	64	23	cummings	cumming	NOUN
fsr-3323	64	24	&	&	CCONJ
fsr-3323	64	25	finke	finke	PROPN
fsr-3323	64	26	,	,	PUNCT
fsr-3323	64	27	2010	2010	NUM
fsr-3323	64	28	;	;	PUNCT
fsr-3323	64	29	finke	finke	PROPN
fsr-3323	64	30	&	&	CCONJ
fsr-3323	64	31	langdon	langdon	PROPN
fsr-3323	64	32	,	,	PUNCT
fsr-3323	64	33	2012	2012	NUM
fsr-3323	64	34	;	;	PUNCT
fsr-3323	64	35	gao	gao	PROPN
fsr-3323	64	36	,	,	PUNCT
fsr-3323	64	37	2011	2011	NUM
fsr-3323	64	38	)	)	PUNCT
fsr-3323	64	39	but	but	CCONJ
fsr-3323	64	40	market	market	NOUN
fsr-3323	64	41	and	and	CCONJ
fsr-3323	64	42	sell	sell	VERB
fsr-3323	64	43	as	as	SCONJ
fsr-3323	64	44	if	if	SCONJ
fsr-3323	64	45	they	they	PRON
fsr-3323	64	46	put	put	VERB
fsr-3323	64	47	clients	client	NOUN
fsr-3323	64	48	first	first	ADV
fsr-3323	64	49	(	(	PUNCT
fsr-3323	64	50	hauptman	hauptman	NOUN
fsr-3323	64	51	&	&	CCONJ
fsr-3323	64	52	roper	roper	NOUN
fsr-3323	64	53	,	,	PUNCT
fsr-3323	64	54	2017	2017	NUM
fsr-3323	64	55	)	)	PUNCT
fsr-3323	64	56	.	.	PUNCT
fsr-3323	65	1	273j.m	273j.m	X
fsr-3323	65	2	.	.	PUNCT
fsr-3323	66	1	camarda	camarda	VERB
fsr-3323	66	2	/	/	SYM
fsr-3323	66	3	financial	financial	ADJ
fsr-3323	66	4	services	service	NOUN
fsr-3323	66	5	review	review	VERB
fsr-3323	66	6	26	26	NUM
fsr-3323	66	7	(	(	PUNCT
fsr-3323	66	8	2017	2017	NUM
fsr-3323	66	9	)	)	PUNCT
fsr-3323	66	10	271–290	271–290	NUM
fsr-3323	66	11	established	establish	VERB
fsr-3323	66	12	monopolistic	monopolistic	ADJ
fsr-3323	66	13	professions	profession	NOUN
fsr-3323	66	14	like	like	ADP
fsr-3323	66	15	law	law	NOUN
fsr-3323	66	16	and	and	CCONJ
fsr-3323	66	17	medicine	medicine	NOUN
fsr-3323	66	18	use	use	VERB
fsr-3323	66	19	strong	strong	ADJ
fsr-3323	66	20	signals	signal	NOUN
fsr-3323	66	21	to	to	PART
fsr-3323	66	22	establish	establish	VERB
fsr-3323	66	23	professionalism	professionalism	NOUN
fsr-3323	66	24	.	.	PUNCT
fsr-3323	67	1	in	in	ADP
fsr-3323	67	2	nonmonopolistic	nonmonopolistic	ADJ
fsr-3323	67	3	markets	market	NOUN
fsr-3323	67	4	,	,	PUNCT
fsr-3323	67	5	signal	signal	NOUN
fsr-3323	67	6	theory	theory	NOUN
fsr-3323	67	7	purports	purport	VERB
fsr-3323	67	8	that	that	PRON
fsr-3323	67	9	agents	agent	NOUN
fsr-3323	67	10	signal	signal	VERB
fsr-3323	67	11	skills	skill	NOUN
fsr-3323	67	12	with	with	ADP
fsr-3323	67	13	educational	educational	ADJ
fsr-3323	67	14	credentials	credential	NOUN
fsr-3323	67	15	;	;	PUNCT
fsr-3323	67	16	acquiring	acquire	VERB
fsr-3323	67	17	a	a	DET
fsr-3323	67	18	credential	credential	NOUN
fsr-3323	67	19	is	be	AUX
fsr-3323	67	20	essentially	essentially	ADV
fsr-3323	67	21	a	a	DET
fsr-3323	67	22	reputation	reputation	NOUN
fsr-3323	67	23	-	-	PUNCT
fsr-3323	67	24	for	for	ADP
fsr-3323	67	25	-	-	PUNCT
fsr-3323	67	26	quality	quality	NOUN
fsr-3323	67	27	purchase	purchase	NOUN
fsr-3323	67	28	(	(	PUNCT
fsr-3323	67	29	spence	spence	NOUN
fsr-3323	67	30	,	,	PUNCT
fsr-3323	67	31	1973	1973	NUM
fsr-3323	67	32	;	;	PUNCT
fsr-3323	67	33	spence	spence	NOUN
fsr-3323	67	34	,	,	PUNCT
fsr-3323	67	35	2002	2002	NUM
fsr-3323	67	36	)	)	PUNCT
fsr-3323	67	37	.	.	PUNCT
fsr-3323	68	1	in	in	ADP
fsr-3323	68	2	cases	case	NOUN
fsr-3323	68	3	like	like	ADP
fsr-3323	68	4	financial	financial	ADJ
fsr-3323	68	5	advisory	advisory	NOUN
fsr-3323	68	6	where	where	SCONJ
fsr-3323	68	7	uniform	uniform	ADJ
fsr-3323	68	8	professional	professional	ADJ
fsr-3323	68	9	standards	standard	NOUN
fsr-3323	68	10	are	be	AUX
fsr-3323	68	11	lacking	lack	VERB
fsr-3323	68	12	,	,	PUNCT
fsr-3323	68	13	practitioners	practitioner	NOUN
fsr-3323	68	14	can	can	AUX
fsr-3323	68	15	distinguish	distinguish	VERB
fsr-3323	68	16	themselves	themselves	PRON
fsr-3323	68	17	from	from	ADP
fsr-3323	68	18	the	the	PRON
fsr-3323	68	19	merely	merely	ADV
fsr-3323	68	20	licensed	license	VERB
fsr-3323	68	21	by	by	ADP
fsr-3323	68	22	associating	associate	VERB
fsr-3323	68	23	with	with	ADP
fsr-3323	68	24	certifying	certify	VERB
fsr-3323	68	25	bodies	body	NOUN
fsr-3323	68	26	(	(	PUNCT
fsr-3323	68	27	mauldin	mauldin	NOUN
fsr-3323	68	28	,	,	PUNCT
fsr-3323	68	29	wilder	wilder	ADJ
fsr-3323	68	30	,	,	PUNCT
fsr-3323	68	31	&	&	CCONJ
fsr-3323	68	32	stocks	stock	NOUN
fsr-3323	68	33	,	,	PUNCT
fsr-3323	68	34	2000	2000	NUM
fsr-3323	68	35	)	)	PUNCT
fsr-3323	68	36	.	.	PUNCT
fsr-3323	69	1	to	to	ADP
fsr-3323	69	2	consumers	consumer	NOUN
fsr-3323	69	3	,	,	PUNCT
fsr-3323	69	4	signals	signal	NOUN
fsr-3323	69	5	like	like	ADP
fsr-3323	69	6	md	md	NOUN
fsr-3323	69	7	or	or	CCONJ
fsr-3323	69	8	cpa	cpa	PROPN
fsr-3323	69	9	offer	offer	VERB
fsr-3323	69	10	clear	clear	ADJ
fsr-3323	69	11	indications	indication	NOUN
fsr-3323	69	12	of	of	ADP
fsr-3323	69	13	baseline	baseline	NOUN
fsr-3323	69	14	expertise	expertise	NOUN
fsr-3323	69	15	,	,	PUNCT
fsr-3323	69	16	and	and	CCONJ
fsr-3323	69	17	study	study	NOUN
fsr-3323	69	18	designations	designation	NOUN
fsr-3323	69	19	act	act	VERB
fsr-3323	69	20	similarly	similarly	ADV
fsr-3323	69	21	to	to	ADP
fsr-3323	69	22	these	these	PRON
fsr-3323	69	23	with	with	ADP
fsr-3323	69	24	the	the	DET
fsr-3323	69	25	key	key	ADJ
fsr-3323	69	26	difference	difference	NOUN
fsr-3323	69	27	that	that	PRON
fsr-3323	69	28	they	they	PRON
fsr-3323	69	29	are	be	AUX
fsr-3323	69	30	not	not	PART
fsr-3323	69	31	required	require	VERB
fsr-3323	69	32	by	by	ADP
fsr-3323	69	33	regulation	regulation	NOUN
fsr-3323	69	34	.	.	PUNCT
fsr-3323	70	1	mauldin	mauldin	PROPN
fsr-3323	70	2	,	,	PUNCT
fsr-3323	70	3	wilder	wilder	ADJ
fsr-3323	70	4	,	,	PUNCT
fsr-3323	70	5	and	and	CCONJ
fsr-3323	70	6	stocks	stock	NOUN
fsr-3323	70	7	(	(	PUNCT
fsr-3323	70	8	2000	2000	NUM
fsr-3323	70	9	)	)	PUNCT
fsr-3323	70	10	and	and	CCONJ
fsr-3323	70	11	brockman	brockman	PROPN
fsr-3323	70	12	and	and	CCONJ
fsr-3323	70	13	brooks	brooks	PROPN
fsr-3323	70	14	(	(	PUNCT
fsr-3323	70	15	1998	1998	NUM
fsr-3323	70	16	)	)	PUNCT
fsr-3323	70	17	find	find	VERB
fsr-3323	70	18	designations	designation	NOUN
fsr-3323	70	19	signal	signal	VERB
fsr-3323	70	20	objectivity	objectivity	NOUN
fsr-3323	70	21	,	,	PUNCT
fsr-3323	70	22	expertise	expertise	NOUN
fsr-3323	70	23	,	,	PUNCT
fsr-3323	70	24	and	and	CCONJ
fsr-3323	70	25	ethics	ethic	NOUN
fsr-3323	70	26	to	to	ADP
fsr-3323	70	27	consumers	consumer	NOUN
fsr-3323	70	28	.	.	PUNCT
fsr-3323	71	1	smith	smith	PROPN
fsr-3323	71	2	,	,	PUNCT
fsr-3323	71	3	vibhakar	vibhakar	NOUN
fsr-3323	71	4	,	,	PUNCT
fsr-3323	71	5	and	and	CCONJ
fsr-3323	71	6	terry	terry	PROPN
fsr-3323	71	7	(	(	PUNCT
fsr-3323	71	8	2008	2008	NUM
fsr-3323	71	9	)	)	PUNCT
fsr-3323	71	10	find	find	VERB
fsr-3323	71	11	advisors	advisor	NOUN
fsr-3323	71	12	obtain	obtain	VERB
fsr-3323	71	13	designations	designation	NOUN
fsr-3323	71	14	to	to	PART
fsr-3323	71	15	establish	establish	VERB
fsr-3323	71	16	professional	professional	ADJ
fsr-3323	71	17	expertise	expertise	NOUN
fsr-3323	71	18	and	and	CCONJ
fsr-3323	71	19	credibility	credibility	NOUN
fsr-3323	71	20	.	.	PUNCT
fsr-3323	72	1	designations	designation	NOUN
fsr-3323	72	2	serve	serve	VERB
fsr-3323	72	3	as	as	ADP
fsr-3323	72	4	an	an	DET
fsr-3323	72	5	“	"	PUNCT
fsr-3323	72	6	umbrella	umbrella	NOUN
fsr-3323	72	7	brand	brand	NOUN
fsr-3323	72	8	for	for	ADP
fsr-3323	72	9	the	the	PRON
fsr-3323	72	10	.	.	PUNCT
fsr-3323	72	11	.	.	PUNCT
fsr-3323	72	12	.	.	PUNCT
fsr-3323	73	1	cfp	cfp	PROPN
fsr-3323	73	2	or	or	CCONJ
fsr-3323	73	3	cfa	cfa	PROPN
fsr-3323	73	4	.	.	PUNCT
fsr-3323	73	5	.	.	PUNCT
fsr-3323	74	1	.	.	PUNCT
fsr-3323	75	1	(	(	PUNCT
fsr-3323	75	2	that	that	PRON
fsr-3323	75	3	’s	’s	ADV
fsr-3323	75	4	)	)	PUNCT
fsr-3323	75	5	worked	work	VERB
fsr-3323	75	6	successfully	successfully	ADV
fsr-3323	75	7	for	for	ADP
fsr-3323	75	8	cpas	cpa	NOUN
fsr-3323	75	9	for	for	ADP
fsr-3323	75	10	decades	decade	NOUN
fsr-3323	75	11	(	(	PUNCT
fsr-3323	75	12	smith	smith	PROPN
fsr-3323	75	13	et	et	PROPN
fsr-3323	75	14	al	al	PROPN
fsr-3323	75	15	.	.	PROPN
fsr-3323	75	16	,	,	PUNCT
fsr-3323	75	17	2008	2008	NUM
fsr-3323	75	18	,	,	PUNCT
fsr-3323	75	19	p.	p.	NOUN
fsr-3323	75	20	308	308	NUM
fsr-3323	75	21	)	)	PUNCT
fsr-3323	75	22	.	.	PUNCT
fsr-3323	76	1	the	the	DET
fsr-3323	76	2	effect	effect	NOUN
fsr-3323	76	3	of	of	ADP
fsr-3323	76	4	the	the	DET
fsr-3323	76	5	study	study	NOUN
fsr-3323	76	6	designations	designation	NOUN
fsr-3323	76	7	on	on	ADP
fsr-3323	76	8	rr	rr	PROPN
fsr-3323	76	9	misconduct	misconduct	NOUN
fsr-3323	76	10	is	be	AUX
fsr-3323	76	11	this	this	DET
fsr-3323	76	12	study	study	NOUN
fsr-3323	76	13	’s	’s	PART
fsr-3323	76	14	primary	primary	ADJ
fsr-3323	76	15	research	research	NOUN
fsr-3323	76	16	question	question	NOUN
fsr-3323	76	17	.	.	PUNCT
fsr-3323	77	1	the	the	DET
fsr-3323	77	2	cfp	cfp	PROPN
fsr-3323	77	3	mark	mark	PROPN
fsr-3323	77	4	has	have	AUX
fsr-3323	77	5	become	become	VERB
fsr-3323	77	6	the	the	DET
fsr-3323	77	7	preeminent	preeminent	ADJ
fsr-3323	77	8	financial	financial	ADJ
fsr-3323	77	9	planning	planning	NOUN
fsr-3323	77	10	designation	designation	NOUN
fsr-3323	77	11	(	(	PUNCT
fsr-3323	77	12	kitces	kitce	NOUN
fsr-3323	77	13	,	,	PUNCT
fsr-3323	77	14	2015	2015	NUM
fsr-3323	77	15	)	)	PUNCT
fsr-3323	77	16	,	,	PUNCT
fsr-3323	77	17	largely	largely	ADV
fsr-3323	77	18	because	because	SCONJ
fsr-3323	77	19	of	of	ADP
fsr-3323	77	20	expensive	expensive	ADJ
fsr-3323	77	21	and	and	CCONJ
fsr-3323	77	22	effective	effective	ADJ
fsr-3323	77	23	cfp	cfp	PROPN
fsr-3323	77	24	board	board	NOUN
fsr-3323	77	25	marketing	marketing	NOUN
fsr-3323	77	26	efforts	effort	NOUN
fsr-3323	77	27	(	(	PUNCT
fsr-3323	77	28	kitces	kitce	NOUN
fsr-3323	77	29	,	,	PUNCT
fsr-3323	77	30	2015c	2015c	NUM
fsr-3323	77	31	)	)	PUNCT
fsr-3323	77	32	.	.	PUNCT
fsr-3323	78	1	it	it	PRON
fsr-3323	78	2	is	be	AUX
fsr-3323	78	3	now	now	ADV
fsr-3323	78	4	most	most	ADV
fsr-3323	78	5	demanded	demand	VERB
fsr-3323	78	6	by	by	ADP
fsr-3323	78	7	consumers	consumer	NOUN
fsr-3323	78	8	,	,	PUNCT
fsr-3323	78	9	and	and	CCONJ
fsr-3323	78	10	more	more	ADJ
fsr-3323	78	11	recognized	recognize	VERB
fsr-3323	78	12	by	by	ADP
fsr-3323	78	13	consumers	consumer	NOUN
fsr-3323	78	14	by	by	ADP
fsr-3323	78	15	a	a	DET
fsr-3323	78	16	factor	factor	NOUN
fsr-3323	78	17	of	of	ADP
fsr-3323	78	18	over	over	ADP
fsr-3323	78	19	two	two	NUM
fsr-3323	78	20	compared	compare	VERB
fsr-3323	78	21	to	to	ADP
fsr-3323	78	22	cfa	cfa	PROPN
fsr-3323	78	23	and	and	CCONJ
fsr-3323	78	24	over	over	ADP
fsr-3323	78	25	four	four	NUM
fsr-3323	78	26	compared	compare	VERB
fsr-3323	78	27	to	to	ADP
fsr-3323	78	28	chfc	chfc	PROPN
fsr-3323	78	29	(	(	PUNCT
fsr-3323	78	30	cfp	cfp	PROPN
fsr-3323	78	31	board	board	NOUN
fsr-3323	78	32	,	,	PUNCT
fsr-3323	78	33	2015	2015	NUM
fsr-3323	78	34	)	)	PUNCT
fsr-3323	78	35	.	.	PUNCT
fsr-3323	79	1	it	it	PRON
fsr-3323	79	2	is	be	AUX
fsr-3323	79	3	perceived	perceive	VERB
fsr-3323	79	4	to	to	PART
fsr-3323	79	5	be	be	AUX
fsr-3323	79	6	more	more	ADV
fsr-3323	79	7	appropriate	appropriate	ADJ
fsr-3323	79	8	for	for	ADP
fsr-3323	79	9	financial	financial	ADJ
fsr-3323	79	10	planning	planning	NOUN
fsr-3323	79	11	than	than	ADP
fsr-3323	79	12	the	the	DET
fsr-3323	79	13	more	more	ADV
fsr-3323	79	14	specialized	specialized	ADJ
fsr-3323	79	15	investments	investment	NOUN
fsr-3323	79	16	-	-	PUNCT
fsr-3323	79	17	expert	expert	NOUN
fsr-3323	79	18	cfa	cfa	PROPN
fsr-3323	79	19	(	(	PUNCT
fsr-3323	79	20	terry	terry	PROPN
fsr-3323	79	21	&	&	CCONJ
fsr-3323	79	22	vibhakar	vibhakar	PROPN
fsr-3323	79	23	,	,	PUNCT
fsr-3323	79	24	2011	2011	NUM
fsr-3323	79	25	)	)	PUNCT
fsr-3323	79	26	.	.	PUNCT
fsr-3323	80	1	non	non	ADJ
fsr-3323	80	2	-	-	ADJ
fsr-3323	80	3	cfa	cfa	ADJ
fsr-3323	80	4	cfps	cfps	NOUN
fsr-3323	80	5	’	'	PUNCT
fsr-3323	80	6	confidence	confidence	NOUN
fsr-3323	80	7	in	in	ADP
fsr-3323	80	8	their	their	PRON
fsr-3323	80	9	investment	investment	NOUN
fsr-3323	80	10	skills	skill	NOUN
fsr-3323	80	11	may	may	AUX
fsr-3323	80	12	be	be	AUX
fsr-3323	80	13	overstated	overstate	VERB
fsr-3323	80	14	as	as	SCONJ
fsr-3323	80	15	compared	compare	VERB
fsr-3323	80	16	to	to	ADP
fsr-3323	80	17	those	those	PRON
fsr-3323	80	18	who	who	PRON
fsr-3323	80	19	have	have	AUX
fsr-3323	80	20	acquired	acquire	VERB
fsr-3323	80	21	both	both	PRON
fsr-3323	80	22	and	and	CCONJ
fsr-3323	80	23	perhaps	perhaps	ADV
fsr-3323	80	24	better	well	ADV
fsr-3323	80	25	recognize	recognize	VERB
fsr-3323	80	26	the	the	DET
fsr-3323	80	27	limits	limit	NOUN
fsr-3323	80	28	of	of	ADP
fsr-3323	80	29	their	their	PRON
fsr-3323	80	30	knowledge	knowledge	NOUN
fsr-3323	80	31	(	(	PUNCT
fsr-3323	80	32	cordell	cordell	PROPN
fsr-3323	80	33	,	,	PUNCT
fsr-3323	80	34	smith	smith	PROPN
fsr-3323	80	35	,	,	PUNCT
fsr-3323	80	36	&	&	CCONJ
fsr-3323	80	37	terry	terry	PROPN
fsr-3323	80	38	,	,	PUNCT
fsr-3323	80	39	2011	2011	NUM
fsr-3323	80	40	)	)	PUNCT
fsr-3323	80	41	.	.	PUNCT
fsr-3323	81	1	it	it	PRON
fsr-3323	81	2	is	be	AUX
fsr-3323	81	3	worth	worth	ADJ
fsr-3323	81	4	noting	note	VERB
fsr-3323	81	5	that	that	SCONJ
fsr-3323	81	6	this	this	DET
fsr-3323	81	7	study	study	NOUN
fsr-3323	81	8	deals	deal	VERB
fsr-3323	81	9	with	with	ADP
fsr-3323	81	10	investment	investment	NOUN
fsr-3323	81	11	sales	sale	NOUN
fsr-3323	81	12	agents	agent	NOUN
fsr-3323	81	13	,	,	PUNCT
fsr-3323	81	14	and	and	CCONJ
fsr-3323	81	15	that	that	SCONJ
fsr-3323	81	16	the	the	DET
fsr-3323	81	17	cfa	cfa	PROPN
fsr-3323	81	18	investment	investment	NOUN
fsr-3323	81	19	knowledge	knowledge	NOUN
fsr-3323	81	20	set	set	NOUN
fsr-3323	81	21	is	be	AUX
fsr-3323	81	22	much	much	ADV
fsr-3323	81	23	greater	great	ADJ
fsr-3323	81	24	than	than	ADP
fsr-3323	81	25	those	those	PRON
fsr-3323	81	26	for	for	ADP
fsr-3323	81	27	cfp	cfp	PROPN
fsr-3323	81	28	and	and	CCONJ
fsr-3323	81	29	chfc	chfc	NOUN
fsr-3323	81	30	.	.	PUNCT
fsr-3323	82	1	the	the	DET
fsr-3323	82	2	cfa	cfa	PROPN
fsr-3323	82	3	designation	designation	NOUN
fsr-3323	82	4	requires	require	VERB
fsr-3323	82	5	three	three	NUM
fsr-3323	82	6	successive	successive	ADJ
fsr-3323	82	7	eight	eight	NUM
fsr-3323	82	8	hour	hour	NOUN
fsr-3323	82	9	exams	exam	NOUN
fsr-3323	82	10	on	on	ADP
fsr-3323	82	11	investments	investment	NOUN
fsr-3323	82	12	management	management	NOUN
fsr-3323	82	13	.	.	PUNCT
fsr-3323	83	1	the	the	DET
fsr-3323	83	2	six	six	NUM
fsr-3323	83	3	-	-	PUNCT
fsr-3323	83	4	hour	hour	NOUN
fsr-3323	83	5	cfp	cfp	NOUN
fsr-3323	83	6	exam	exam	NOUN
fsr-3323	83	7	tests	test	VERB
fsr-3323	83	8	nine	nine	NUM
fsr-3323	83	9	subject	subject	ADJ
fsr-3323	83	10	areas	area	NOUN
fsr-3323	83	11	,	,	PUNCT
fsr-3323	83	12	including	include	VERB
fsr-3323	83	13	investments	investment	NOUN
fsr-3323	83	14	,	,	PUNCT
fsr-3323	83	15	insurance	insurance	NOUN
fsr-3323	83	16	and	and	CCONJ
fsr-3323	83	17	risk	risk	NOUN
fsr-3323	83	18	management	management	NOUN
fsr-3323	83	19	,	,	PUNCT
fsr-3323	83	20	income	income	NOUN
fsr-3323	83	21	taxes	taxis	NOUN
fsr-3323	83	22	,	,	PUNCT
fsr-3323	83	23	estate	estate	NOUN
fsr-3323	83	24	planning	planning	NOUN
fsr-3323	83	25	,	,	PUNCT
fsr-3323	83	26	retirement	retirement	NOUN
fsr-3323	83	27	planning	planning	NOUN
fsr-3323	83	28	,	,	PUNCT
fsr-3323	83	29	employee	employee	NOUN
fsr-3323	83	30	benefits	benefit	NOUN
fsr-3323	83	31	,	,	PUNCT
fsr-3323	83	32	professional	professional	ADJ
fsr-3323	83	33	conduct	conduct	NOUN
fsr-3323	83	34	,	,	PUNCT
fsr-3323	83	35	financial	financial	ADJ
fsr-3323	83	36	planning	planning	NOUN
fsr-3323	83	37	principles	principle	NOUN
fsr-3323	83	38	,	,	PUNCT
fsr-3323	83	39	and	and	CCONJ
fsr-3323	83	40	financial	financial	ADJ
fsr-3323	83	41	plan	plan	NOUN
fsr-3323	83	42	development	development	NOUN
fsr-3323	83	43	.	.	PUNCT
fsr-3323	84	1	the	the	DET
fsr-3323	84	2	chfc	chfc	PROPN
fsr-3323	84	3	designation	designation	NOUN
fsr-3323	84	4	requires	require	VERB
fsr-3323	84	5	the	the	DET
fsr-3323	84	6	completion	completion	NOUN
fsr-3323	84	7	of	of	ADP
fsr-3323	84	8	nine	nine	NUM
fsr-3323	84	9	courses	course	NOUN
fsr-3323	84	10	in	in	ADP
fsr-3323	84	11	financial	financial	ADJ
fsr-3323	84	12	planning	planning	NOUN
fsr-3323	84	13	,	,	PUNCT
fsr-3323	84	14	including	include	VERB
fsr-3323	84	15	income	income	NOUN
fsr-3323	84	16	taxation	taxation	NOUN
fsr-3323	84	17	,	,	PUNCT
fsr-3323	84	18	insurance	insurance	NOUN
fsr-3323	84	19	,	,	PUNCT
fsr-3323	84	20	retirement	retirement	NOUN
fsr-3323	84	21	planning	planning	NOUN
fsr-3323	84	22	,	,	PUNCT
fsr-3323	84	23	investments	investment	NOUN
fsr-3323	84	24	,	,	PUNCT
fsr-3323	84	25	estate	estate	NOUN
fsr-3323	84	26	planning	planning	NOUN
fsr-3323	84	27	,	,	PUNCT
fsr-3323	84	28	and	and	CCONJ
fsr-3323	84	29	case	case	NOUN
fsr-3323	84	30	studies	study	NOUN
fsr-3323	84	31	(	(	PUNCT
fsr-3323	84	32	the	the	DET
fsr-3323	84	33	american	american	PROPN
fsr-3323	84	34	college	college	PROPN
fsr-3323	84	35	chartered	charter	VERB
fsr-3323	84	36	financial	financial	ADJ
fsr-3323	84	37	consultant	consultant	NOUN
fsr-3323	84	38	,	,	PUNCT
fsr-3323	84	39	2016b	2016b	NUM
fsr-3323	84	40	)	)	PUNCT
fsr-3323	84	41	.	.	PUNCT
fsr-3323	85	1	the	the	DET
fsr-3323	85	2	cfp	cfp	PROPN
fsr-3323	85	3	board	board	PROPN
fsr-3323	85	4	standards	standard	NOUN
fsr-3323	85	5	of	of	ADP
fsr-3323	85	6	professional	professional	ADJ
fsr-3323	85	7	conduct	conduct	NOUN
fsr-3323	85	8	requires	require	VERB
fsr-3323	85	9	certificates	certificate	NOUN
fsr-3323	85	10	to	to	PART
fsr-3323	85	11	“	"	PUNCT
fsr-3323	85	12	at	at	ADP
fsr-3323	85	13	all	all	DET
fsr-3323	85	14	times	time	NOUN
fsr-3323	85	15	place	place	VERB
fsr-3323	85	16	the	the	DET
fsr-3323	85	17	interest	interest	NOUN
fsr-3323	85	18	of	of	ADP
fsr-3323	85	19	the	the	DET
fsr-3323	85	20	client	client	NOUN
fsr-3323	85	21	ahead	ahead	ADV
fsr-3323	85	22	of	of	ADP
fsr-3323	85	23	his	his	PRON
fsr-3323	85	24	or	or	CCONJ
fsr-3323	85	25	her	her	PRON
fsr-3323	85	26	own	own	ADJ
fsr-3323	85	27	,	,	PUNCT
fsr-3323	85	28	”	"	PUNCT
fsr-3323	85	29	(	(	PUNCT
fsr-3323	85	30	cfp	cfp	PROPN
fsr-3323	85	31	standards	standard	NOUN
fsr-3323	85	32	of	of	ADP
fsr-3323	85	33	professional	professional	ADJ
fsr-3323	85	34	conduct	conduct	NOUN
fsr-3323	85	35	,	,	PUNCT
fsr-3323	85	36	2008/2014	2008/2014	NUM
fsr-3323	85	37	)	)	PUNCT
fsr-3323	85	38	,	,	PUNCT
fsr-3323	85	39	but	but	CCONJ
fsr-3323	85	40	it	it	PRON
fsr-3323	85	41	is	be	AUX
fsr-3323	85	42	worth	worth	ADJ
fsr-3323	85	43	noting	note	VERB
fsr-3323	85	44	that	that	SCONJ
fsr-3323	85	45	cfp	cfp	PROPN
fsr-3323	85	46	board	board	PROPN
fsr-3323	85	47	’s	’s	PART
fsr-3323	85	48	public	public	ADJ
fsr-3323	85	49	position	position	NOUN
fsr-3323	85	50	has	have	AUX
fsr-3323	85	51	been	be	AUX
fsr-3323	85	52	that	that	SCONJ
fsr-3323	85	53	a	a	DET
fsr-3323	85	54	fiduciary	fiduciary	ADJ
fsr-3323	85	55	duty	duty	NOUN
fsr-3323	85	56	is	be	AUX
fsr-3323	85	57	only	only	ADV
fsr-3323	85	58	owed	owe	VERB
fsr-3323	85	59	for	for	ADP
fsr-3323	85	60	financial	financial	ADJ
fsr-3323	85	61	planning	planning	NOUN
fsr-3323	85	62	engagements	engagement	NOUN
fsr-3323	85	63	as	as	SCONJ
fsr-3323	85	64	opposed	oppose	VERB
fsr-3323	85	65	to	to	ADP
fsr-3323	85	66	product	product	NOUN
fsr-3323	85	67	sales	sale	NOUN
fsr-3323	85	68	.	.	PUNCT
fsr-3323	86	1	the	the	DET
fsr-3323	86	2	cfa	cfa	PROPN
fsr-3323	86	3	code	code	PROPN
fsr-3323	86	4	of	of	ADP
fsr-3323	86	5	ethics	ethic	NOUN
fsr-3323	86	6	requires	require	VERB
fsr-3323	86	7	charter	charter	NOUN
fsr-3323	86	8	holders	holder	NOUN
fsr-3323	86	9	to	to	PART
fsr-3323	86	10	place	place	VERB
fsr-3323	86	11	the	the	DET
fsr-3323	86	12	interests	interest	NOUN
fsr-3323	86	13	of	of	ADP
fsr-3323	86	14	clients	client	NOUN
fsr-3323	86	15	above	above	ADP
fsr-3323	86	16	their	their	PRON
fsr-3323	86	17	own	own	ADJ
fsr-3323	86	18	,	,	PUNCT
fsr-3323	86	19	to	to	PART
fsr-3323	86	20	act	act	VERB
fsr-3323	86	21	with	with	ADP
fsr-3323	86	22	integrity	integrity	NOUN
fsr-3323	86	23	,	,	PUNCT
fsr-3323	86	24	competence	competence	NOUN
fsr-3323	86	25	,	,	PUNCT
fsr-3323	86	26	and	and	CCONJ
fsr-3323	86	27	respect	respect	NOUN
fsr-3323	86	28	,	,	PUNCT
fsr-3323	86	29	and	and	CCONJ
fsr-3323	86	30	to	to	PART
fsr-3323	86	31	maintain	maintain	VERB
fsr-3323	86	32	and	and	CCONJ
fsr-3323	86	33	develop	develop	VERB
fsr-3323	86	34	professional	professional	ADJ
fsr-3323	86	35	expertise	expertise	NOUN
fsr-3323	86	36	(	(	PUNCT
fsr-3323	86	37	cfa	cfa	PROPN
fsr-3323	86	38	institute	institute	PROPN
fsr-3323	86	39	,	,	PUNCT
fsr-3323	86	40	2015	2015	NUM
fsr-3323	86	41	)	)	PUNCT
fsr-3323	86	42	.	.	PUNCT
fsr-3323	87	1	“	"	PUNCT
fsr-3323	87	2	chfc	chfc	ADJ
fsr-3323	87	3	advisors	advisor	NOUN
fsr-3323	87	4	are	be	AUX
fsr-3323	87	5	required	require	VERB
fsr-3323	87	6	to	to	PART
fsr-3323	87	7	do	do	VERB
fsr-3323	87	8	the	the	DET
fsr-3323	87	9	same	same	ADJ
fsr-3323	87	10	for	for	ADP
fsr-3323	87	11	clients	client	NOUN
fsr-3323	87	12	that	that	SCONJ
fsr-3323	87	13	they	they	PRON
fsr-3323	87	14	would	would	AUX
fsr-3323	87	15	do	do	VERB
fsr-3323	87	16	for	for	ADP
fsr-3323	87	17	themselves	themselves	PRON
fsr-3323	87	18	in	in	ADP
fsr-3323	87	19	similar	similar	ADJ
fsr-3323	87	20	circumstances	circumstance	NOUN
fsr-3323	87	21	,	,	PUNCT
fsr-3323	87	22	the	the	DET
fsr-3323	87	23	standard	standard	NOUN
fsr-3323	87	24	of	of	ADP
fsr-3323	87	25	ethical	ethical	ADJ
fsr-3323	87	26	behavior	behavior	NOUN
fsr-3323	87	27	most	most	ADV
fsr-3323	87	28	beneficial	beneficial	ADJ
fsr-3323	87	29	for	for	ADP
fsr-3323	87	30	their	their	PRON
fsr-3323	87	31	clients	client	NOUN
fsr-3323	87	32	”	"	PUNCT
fsr-3323	87	33	(	(	PUNCT
fsr-3323	87	34	the	the	DET
fsr-3323	87	35	american	american	PROPN
fsr-3323	87	36	college	college	PROPN
fsr-3323	87	37	the	the	DET
fsr-3323	87	38	highest	high	ADJ
fsr-3323	87	39	standard	standard	NOUN
fsr-3323	87	40	,	,	PUNCT
fsr-3323	87	41	2016a	2016a	NUM
fsr-3323	87	42	,	,	PUNCT
fsr-3323	87	43	p.	p.	NOUN
fsr-3323	87	44	1	1	NUM
fsr-3323	87	45	)	)	PUNCT
fsr-3323	87	46	.	.	PUNCT
fsr-3323	88	1	from	from	ADP
fsr-3323	88	2	a	a	DET
fsr-3323	88	3	fiduciary	fiduciary	ADJ
fsr-3323	88	4	perspective	perspective	NOUN
fsr-3323	88	5	,	,	PUNCT
fsr-3323	88	6	the	the	DET
fsr-3323	88	7	cfa	cfa	PROPN
fsr-3323	88	8	,	,	PUNCT
fsr-3323	88	9	chfc	chfc	NOUN
fsr-3323	88	10	,	,	PUNCT
fsr-3323	88	11	and	and	CCONJ
fsr-3323	88	12	cfp	cfp	PROPN
fsr-3323	88	13	ethical	ethical	ADJ
fsr-3323	88	14	requirements	requirement	NOUN
fsr-3323	88	15	are	be	AUX
fsr-3323	88	16	functionally	functionally	ADV
fsr-3323	88	17	equivalent	equivalent	ADJ
fsr-3323	88	18	,	,	PUNCT
fsr-3323	88	19	and	and	CCONJ
fsr-3323	88	20	well	well	ADV
fsr-3323	88	21	beyond	beyond	ADP
fsr-3323	88	22	the	the	DET
fsr-3323	88	23	rr	rr	PROPN
fsr-3323	88	24	regulatory	regulatory	ADJ
fsr-3323	88	25	standard	standard	NOUN
fsr-3323	88	26	.	.	PUNCT
fsr-3323	89	1	the	the	DET
fsr-3323	89	2	designation	designation	NOUN
fsr-3323	89	3	codes	code	NOUN
fsr-3323	89	4	do	do	AUX
fsr-3323	89	5	not	not	PART
fsr-3323	89	6	carry	carry	VERB
fsr-3323	89	7	the	the	DET
fsr-3323	89	8	force	force	NOUN
fsr-3323	89	9	of	of	ADP
fsr-3323	89	10	law	law	NOUN
fsr-3323	89	11	,	,	PUNCT
fsr-3323	89	12	and	and	CCONJ
fsr-3323	89	13	compliance	compliance	NOUN
fsr-3323	89	14	—	—	PUNCT
fsr-3323	89	15	and	and	CCONJ
fsr-3323	89	16	ethics	ethic	NOUN
fsr-3323	89	17	code	code	NOUN
fsr-3323	89	18	understandings	understanding	NOUN
fsr-3323	89	19	—	—	PUNCT
fsr-3323	89	20	may	may	AUX
fsr-3323	89	21	vary	vary	VERB
fsr-3323	89	22	considerably	considerably	ADV
fsr-3323	89	23	among	among	ADP
fsr-3323	89	24	designees	designee	NOUN
fsr-3323	89	25	.	.	PUNCT
fsr-3323	90	1	274	274	NUM
fsr-3323	90	2	j.m	j.m	PROPN
fsr-3323	90	3	.	.	PROPN
fsr-3323	90	4	camarda	camarda	PROPN
fsr-3323	90	5	/	/	SYM
fsr-3323	90	6	financial	financial	ADJ
fsr-3323	90	7	services	service	NOUN
fsr-3323	90	8	review	review	VERB
fsr-3323	90	9	26	26	NUM
fsr-3323	90	10	(	(	PUNCT
fsr-3323	90	11	2017	2017	NUM
fsr-3323	90	12	)	)	PUNCT
fsr-3323	90	13	271–290	271–290	NUM
fsr-3323	90	14	conferring	conferring	NOUN
fsr-3323	90	15	institutions	institution	NOUN
fsr-3323	90	16	’	'	PUNCT
fsr-3323	90	17	claims	claim	NOUN
fsr-3323	90	18	of	of	ADP
fsr-3323	90	19	designations	designation	NOUN
fsr-3323	90	20	’	'	PUNCT
fsr-3323	90	21	signal	signal	NOUN
fsr-3323	90	22	validity	validity	NOUN
fsr-3323	90	23	are	be	AUX
fsr-3323	90	24	compelling	compelling	ADJ
fsr-3323	90	25	and	and	CCONJ
fsr-3323	90	26	uncompromising	uncompromising	NOUN
fsr-3323	90	27	.	.	PUNCT
fsr-3323	91	1	chfcs	chfc	NOUN
fsr-3323	91	2	are	be	AUX
fsr-3323	91	3	said	say	VERB
fsr-3323	91	4	to	to	PART
fsr-3323	91	5	have	have	VERB
fsr-3323	91	6	“	"	PUNCT
fsr-3323	91	7	the	the	DET
fsr-3323	91	8	most	most	ADV
fsr-3323	91	9	extensive	extensive	ADJ
fsr-3323	91	10	educational	educational	ADJ
fsr-3323	91	11	program	program	NOUN
fsr-3323	91	12	.	.	PUNCT
fsr-3323	91	13	.	.	PUNCT
fsr-3323	91	14	.	.	PUNCT
fsr-3323	92	1	strict	strict	ADJ
fsr-3323	92	2	ethical	ethical	ADJ
fsr-3323	92	3	standards	standard	NOUN
fsr-3323	92	4	,	,	PUNCT
fsr-3323	92	5	and	and	CCONJ
fsr-3323	92	6	.	.	PUNCT
fsr-3323	92	7	.	.	PUNCT
fsr-3323	93	1	.	.	PUNCT
fsr-3323	94	1	serve	serve	VERB
fsr-3323	94	2	you	you	PRON
fsr-3323	94	3	with	with	ADP
fsr-3323	94	4	the	the	DET
fsr-3323	94	5	highest	high	ADJ
fsr-3323	94	6	level	level	NOUN
fsr-3323	94	7	of	of	ADP
fsr-3323	94	8	professionalism	professionalism	NOUN
fsr-3323	94	9	”	"	PUNCT
fsr-3323	94	10	(	(	PUNCT
fsr-3323	94	11	the	the	DET
fsr-3323	94	12	american	american	PROPN
fsr-3323	94	13	college	college	PROPN
fsr-3323	94	14	the	the	DET
fsr-3323	94	15	highest	high	ADJ
fsr-3323	94	16	standard	standard	NOUN
fsr-3323	94	17	,	,	PUNCT
fsr-3323	94	18	2016	2016	NUM
fsr-3323	94	19	,	,	PUNCT
fsr-3323	94	20	p.	p.	NOUN
fsr-3323	94	21	1	1	NUM
fsr-3323	94	22	;	;	PUNCT
fsr-3323	94	23	the	the	DET
fsr-3323	94	24	american	american	PROPN
fsr-3323	94	25	college	college	PROPN
fsr-3323	94	26	code	code	PROPN
fsr-3323	94	27	of	of	ADP
fsr-3323	94	28	ethics	ethic	NOUN
fsr-3323	94	29	,	,	PUNCT
fsr-3323	94	30	2016c	2016c	NUM
fsr-3323	94	31	)	)	PUNCT
fsr-3323	94	32	.	.	PUNCT
fsr-3323	95	1	cfp	cfp	PROPN
fsr-3323	95	2	board	board	PROPN
fsr-3323	95	3	notes	note	VERB
fsr-3323	95	4	that	that	SCONJ
fsr-3323	95	5	“	"	PUNCT
fsr-3323	95	6	.	.	PUNCT
fsr-3323	95	7	.	.	PUNCT
fsr-3323	95	8	.	.	PUNCT
fsr-3323	96	1	cfps	cfps	NOUN
fsr-3323	96	2	.	.	PUNCT
fsr-3323	96	3	.	.	PUNCT
fsr-3323	96	4	.	.	PUNCT
fsr-3323	97	1	have	have	VERB
fsr-3323	97	2	.	.	PUNCT
fsr-3323	97	3	.	.	PUNCT
fsr-3323	97	4	.	.	PUNCT
fsr-3323	98	1	extensive	extensive	ADJ
fsr-3323	98	2	training	training	NOUN
fsr-3323	98	3	and	and	CCONJ
fsr-3323	98	4	experience	experience	NOUN
fsr-3323	98	5	.	.	PUNCT
fsr-3323	98	6	.	.	PUNCT
fsr-3323	98	7	.	.	PUNCT
fsr-3323	99	1	and	and	CCONJ
fsr-3323	99	2	.	.	PUNCT
fsr-3323	99	3	.	.	PUNCT
fsr-3323	99	4	.	.	PUNCT
fsr-3323	100	1	held	hold	VERB
fsr-3323	100	2	to	to	ADP
fsr-3323	100	3	rigorous	rigorous	ADJ
fsr-3323	100	4	ethical	ethical	ADJ
fsr-3323	100	5	standards	standard	NOUN
fsr-3323	100	6	.	.	PUNCT
fsr-3323	100	7	.	.	PUNCT
fsr-3323	101	1	.	.	PUNCT
fsr-3323	102	1	will	will	AUX
fsr-3323	102	2	make	make	VERB
fsr-3323	102	3	recommendations	recommendation	NOUN
fsr-3323	102	4	in	in	ADP
fsr-3323	102	5	your	your	PRON
fsr-3323	102	6	best	good	ADJ
fsr-3323	102	7	interest	interest	NOUN
fsr-3323	102	8	”	"	PUNCT
fsr-3323	102	9	(	(	PUNCT
fsr-3323	102	10	cfp	cfp	PROPN
fsr-3323	102	11	board	board	NOUN
fsr-3323	102	12	,	,	PUNCT
fsr-3323	102	13	2016	2016	NUM
fsr-3323	102	14	,	,	PUNCT
fsr-3323	102	15	p.	p.	NOUN
fsr-3323	102	16	1	1	NUM
fsr-3323	102	17	)	)	PUNCT
fsr-3323	102	18	.	.	PUNCT
fsr-3323	103	1	cfas	cfas	PROPN
fsr-3323	103	2	are	be	AUX
fsr-3323	103	3	promoted	promote	VERB
fsr-3323	103	4	as	as	ADP
fsr-3323	103	5	setting	set	VERB
fsr-3323	103	6	“	"	PUNCT
fsr-3323	103	7	.	.	PUNCT
fsr-3323	103	8	.	.	PUNCT
fsr-3323	103	9	.	.	PUNCT
fsr-3323	104	1	the	the	DET
fsr-3323	104	2	global	global	ADJ
fsr-3323	104	3	standard	standard	PROPN
fsr-3323	104	4	for	for	ADP
fsr-3323	104	5	.	.	PUNCT
fsr-3323	104	6	.	.	PUNCT
fsr-3323	104	7	.	.	PUNCT
fsr-3323	105	1	integrity	integrity	NOUN
fsr-3323	105	2	,	,	PUNCT
fsr-3323	105	3	dedication	dedication	NOUN
fsr-3323	105	4	,	,	PUNCT
fsr-3323	105	5	and	and	CCONJ
fsr-3323	105	6	advanced	advanced	ADJ
fsr-3323	105	7	skills	skill	NOUN
fsr-3323	105	8	.	.	PUNCT
fsr-3323	105	9	.	.	PUNCT
fsr-3323	105	10	.	.	PUNCT
fsr-3323	106	1	no	no	DET
fsr-3323	106	2	credential	credential	NOUN
fsr-3323	106	3	is	be	AUX
fsr-3323	106	4	as	as	ADV
fsr-3323	106	5	widely	widely	ADV
fsr-3323	106	6	respected	respect	VERB
fsr-3323	106	7	.	.	PUNCT
fsr-3323	106	8	.	.	PUNCT
fsr-3323	106	9	.	.	PUNCT
fsr-3323	107	1	(	(	PUNCT
fsr-3323	107	2	to	to	PART
fsr-3323	107	3	)	)	PUNCT
fsr-3323	107	4	serve	serve	VERB
fsr-3323	107	5	the	the	DET
fsr-3323	107	6	best	good	ADJ
fsr-3323	107	7	interests	interest	NOUN
fsr-3323	107	8	of	of	ADP
fsr-3323	107	9	investors	investor	NOUN
fsr-3323	107	10	and	and	CCONJ
fsr-3323	107	11	society	society	NOUN
fsr-3323	107	12	”	"	PUNCT
fsr-3323	107	13	(	(	PUNCT
fsr-3323	107	14	cfa	cfa	PROPN
fsr-3323	107	15	institute	institute	PROPN
fsr-3323	107	16	value	value	NOUN
fsr-3323	107	17	of	of	ADP
fsr-3323	107	18	the	the	DET
fsr-3323	107	19	cfa	cfa	PROPN
fsr-3323	107	20	charter	charter	NOUN
fsr-3323	107	21	,	,	PUNCT
fsr-3323	107	22	2016	2016	NUM
fsr-3323	107	23	,	,	PUNCT
fsr-3323	107	24	p.	p.	NOUN
fsr-3323	107	25	1	1	NUM
fsr-3323	107	26	)	)	PUNCT
fsr-3323	107	27	.	.	PUNCT
fsr-3323	108	1	finra	finra	PROPN
fsr-3323	108	2	misconduct	misconduct	PROPN
fsr-3323	108	3	studies	study	NOUN
fsr-3323	108	4	are	be	AUX
fsr-3323	108	5	nascent	nascent	ADJ
fsr-3323	108	6	.	.	PUNCT
fsr-3323	109	1	barry	barry	PROPN
fsr-3323	109	2	and	and	CCONJ
fsr-3323	109	3	eaglesham	eaglesham	PROPN
fsr-3323	109	4	(	(	PUNCT
fsr-3323	109	5	2014	2014	NUM
fsr-3323	109	6	)	)	PUNCT
fsr-3323	109	7	find	find	VERB
fsr-3323	109	8	that	that	SCONJ
fsr-3323	109	9	data	datum	NOUN
fsr-3323	109	10	restrictions	restriction	NOUN
fsr-3323	109	11	confound	confound	VERB
fsr-3323	109	12	study	study	NOUN
fsr-3323	109	13	,	,	PUNCT
fsr-3323	109	14	and	and	CCONJ
fsr-3323	109	15	that	that	SCONJ
fsr-3323	109	16	industry	industry	NOUN
fsr-3323	109	17	-	-	PUNCT
fsr-3323	109	18	controlled	control	VERB
fsr-3323	109	19	finra	finra	NOUN
fsr-3323	109	20	does	do	VERB
fsr-3323	109	21	this	this	PRON
fsr-3323	109	22	intentionally	intentionally	ADV
fsr-3323	109	23	.	.	PUNCT
fsr-3323	110	1	mccann	mccann	PROPN
fsr-3323	110	2	,	,	PUNCT
fsr-3323	110	3	qin	qin	PROPN
fsr-3323	110	4	,	,	PUNCT
fsr-3323	110	5	and	and	CCONJ
fsr-3323	110	6	yan	yan	PROPN
fsr-3323	110	7	(	(	PUNCT
fsr-3323	110	8	2016	2016	NUM
fsr-3323	110	9	)	)	PUNCT
fsr-3323	110	10	agree	agree	VERB
fsr-3323	110	11	,	,	PUNCT
fsr-3323	110	12	finding	find	VERB
fsr-3323	110	13	this	this	PRON
fsr-3323	110	14	done	do	VERB
fsr-3323	110	15	to	to	PART
fsr-3323	110	16	promote	promote	VERB
fsr-3323	110	17	the	the	DET
fsr-3323	110	18	illusion	illusion	NOUN
fsr-3323	110	19	of	of	ADP
fsr-3323	110	20	transparency	transparency	NOUN
fsr-3323	110	21	,	,	PUNCT
fsr-3323	110	22	and	and	CCONJ
fsr-3323	110	23	conceal	conceal	VERB
fsr-3323	110	24	that	that	DET
fsr-3323	110	25	misconduct	misconduct	NOUN
fsr-3323	110	26	is	be	AUX
fsr-3323	110	27	recurring	recur	VERB
fsr-3323	110	28	and	and	CCONJ
fsr-3323	110	29	predictable	predictable	ADJ
fsr-3323	110	30	.	.	PUNCT
fsr-3323	111	1	eagan	eagan	PROPN
fsr-3323	111	2	,	,	PUNCT
fsr-3323	111	3	matvos	matvos	PROPN
fsr-3323	111	4	,	,	PUNCT
fsr-3323	111	5	and	and	CCONJ
fsr-3323	111	6	seru	seru	PROPN
fsr-3323	111	7	(	(	PUNCT
fsr-3323	111	8	2016	2016	NUM
fsr-3323	111	9	)	)	PUNCT
fsr-3323	111	10	build	build	VERB
fsr-3323	111	11	a	a	DET
fsr-3323	111	12	regressable	regressable	ADJ
fsr-3323	111	13	database	database	NOUN
fsr-3323	111	14	by	by	ADP
fsr-3323	111	15	accessing	access	VERB
fsr-3323	111	16	individual	individual	ADJ
fsr-3323	111	17	rrs	rrs	PROPN
fsr-3323	111	18	’	'	PUNCT
fsr-3323	111	19	brokercheck	brokercheck	PROPN
fsr-3323	111	20	records	record	NOUN
fsr-3323	111	21	,	,	PUNCT
fsr-3323	111	22	one	one	NUM
fsr-3323	111	23	at	at	ADP
fsr-3323	111	24	a	a	DET
fsr-3323	111	25	time	time	NOUN
fsr-3323	111	26	,	,	PUNCT
fsr-3323	111	27	to	to	PART
fsr-3323	111	28	facilitate	facilitate	VERB
fsr-3323	111	29	statistical	statistical	ADJ
fsr-3323	111	30	analysis	analysis	NOUN
fsr-3323	111	31	,	,	PUNCT
fsr-3323	111	32	finding	find	VERB
fsr-3323	111	33	that	that	SCONJ
fsr-3323	111	34	12	12	NUM
fsr-3323	111	35	%	%	NOUN
fsr-3323	111	36	of	of	ADP
fsr-3323	111	37	rrs	rrs	PROPN
fsr-3323	111	38	have	have	VERB
fsr-3323	111	39	misconduct	misconduct	NOUN
fsr-3323	111	40	disclosures	disclosure	NOUN
fsr-3323	111	41	and	and	CCONJ
fsr-3323	111	42	7	7	NUM
fsr-3323	111	43	%	%	NOUN
fsr-3323	111	44	have	have	AUX
fsr-3323	111	45	been	be	AUX
fsr-3323	111	46	disciplined	discipline	VERB
fsr-3323	111	47	for	for	ADP
fsr-3323	111	48	misconduct	misconduct	NOUN
fsr-3323	111	49	or	or	CCONJ
fsr-3323	111	50	fraud	fraud	NOUN
fsr-3323	111	51	,	,	PUNCT
fsr-3323	111	52	and	and	CCONJ
fsr-3323	111	53	that	that	SCONJ
fsr-3323	111	54	those	those	PRON
fsr-3323	111	55	with	with	ADP
fsr-3323	111	56	misconduct	misconduct	NOUN
fsr-3323	111	57	are	be	AUX
fsr-3323	111	58	five	five	NUM
fsr-3323	111	59	times	time	NOUN
fsr-3323	111	60	more	more	ADV
fsr-3323	111	61	likely	likely	ADJ
fsr-3323	111	62	to	to	PART
fsr-3323	111	63	repeat	repeat	VERB
fsr-3323	111	64	it	it	PRON
fsr-3323	111	65	.	.	PUNCT
fsr-3323	112	1	they	they	PRON
fsr-3323	112	2	find	find	VERB
fsr-3323	112	3	such	such	ADJ
fsr-3323	112	4	misconduct	misconduct	NOUN
fsr-3323	112	5	elevates	elevate	VERB
fsr-3323	112	6	in	in	ADP
fsr-3323	112	7	firms	firm	NOUN
fsr-3323	112	8	targeting	target	VERB
fsr-3323	112	9	customers	customer	NOUN
fsr-3323	112	10	in	in	ADP
fsr-3323	112	11	areas	area	NOUN
fsr-3323	112	12	with	with	ADP
fsr-3323	112	13	concentrations	concentration	NOUN
fsr-3323	112	14	of	of	ADP
fsr-3323	112	15	people	people	NOUN
fsr-3323	112	16	who	who	PRON
fsr-3323	112	17	are	be	AUX
fsr-3323	112	18	elderly	elderly	ADJ
fsr-3323	112	19	,	,	PUNCT
fsr-3323	112	20	and/or	and/or	CCONJ
fsr-3323	112	21	have	have	VERB
fsr-3323	112	22	high	high	ADJ
fsr-3323	112	23	incomes	income	NOUN
fsr-3323	112	24	.	.	PUNCT
fsr-3323	113	1	of	of	ADP
fsr-3323	113	2	note	note	NOUN
fsr-3323	113	3	to	to	ADP
fsr-3323	113	4	this	this	DET
fsr-3323	113	5	study	study	NOUN
fsr-3323	113	6	,	,	PUNCT
fsr-3323	113	7	florida	florida	PROPN
fsr-3323	113	8	has	have	VERB
fsr-3323	113	9	a	a	DET
fsr-3323	113	10	high	high	ADJ
fsr-3323	113	11	concentration	concentration	NOUN
fsr-3323	113	12	of	of	ADP
fsr-3323	113	13	such	such	ADJ
fsr-3323	113	14	populations	population	NOUN
fsr-3323	113	15	.	.	PUNCT
fsr-3323	114	1	4	4	X
fsr-3323	114	2	.	.	X
fsr-3323	114	3	research	research	NOUN
fsr-3323	114	4	design	design	NOUN
fsr-3323	114	5	and	and	CCONJ
fsr-3323	114	6	methodology	methodology	NOUN
fsr-3323	114	7	this	this	DET
fsr-3323	114	8	study	study	NOUN
fsr-3323	114	9	uses	use	VERB
fsr-3323	114	10	secondary	secondary	ADJ
fsr-3323	114	11	finra	finra	PROPN
fsr-3323	114	12	data	data	PROPN
fsr-3323	114	13	.	.	PUNCT
fsr-3323	115	1	rrs	rrs	PROPN
fsr-3323	115	2	must	must	AUX
fsr-3323	115	3	keep	keep	VERB
fsr-3323	115	4	current	current	ADJ
fsr-3323	115	5	form	form	NOUN
fsr-3323	115	6	u4	u4	PROPN
fsr-3323	115	7	,	,	PUNCT
fsr-3323	115	8	which	which	PRON
fsr-3323	115	9	requires	require	VERB
fsr-3323	115	10	answers	answer	NOUN
fsr-3323	115	11	to	to	ADP
fsr-3323	115	12	57	57	NUM
fsr-3323	115	13	misconduct	misconduct	NOUN
fsr-3323	115	14	questions	question	NOUN
fsr-3323	115	15	,	,	PUNCT
fsr-3323	115	16	involving	involve	VERB
fsr-3323	115	17	criminal	criminal	ADJ
fsr-3323	115	18	,	,	PUNCT
fsr-3323	115	19	regulatory	regulatory	ADJ
fsr-3323	115	20	,	,	PUNCT
fsr-3323	115	21	civil	civil	ADJ
fsr-3323	115	22	,	,	PUNCT
fsr-3323	115	23	complaint	complaint	NOUN
fsr-3323	115	24	,	,	PUNCT
fsr-3323	115	25	and	and	CCONJ
fsr-3323	115	26	other	other	ADJ
fsr-3323	115	27	adverse	adverse	ADJ
fsr-3323	115	28	items	item	NOUN
fsr-3323	115	29	.	.	PUNCT
fsr-3323	116	1	finra	finra	NOUN
fsr-3323	116	2	maintains	maintain	VERB
fsr-3323	116	3	records	record	NOUN
fsr-3323	116	4	of	of	ADP
fsr-3323	116	5	disclosure	disclosure	NOUN
fsr-3323	116	6	events	event	NOUN
fsr-3323	116	7	that	that	PRON
fsr-3323	116	8	may	may	AUX
fsr-3323	116	9	be	be	AUX
fsr-3323	116	10	indicative	indicative	ADJ
fsr-3323	116	11	of	of	ADP
fsr-3323	116	12	unethical	unethical	ADJ
fsr-3323	116	13	practice	practice	NOUN
fsr-3323	116	14	,	,	PUNCT
fsr-3323	116	15	which	which	PRON
fsr-3323	116	16	this	this	DET
fsr-3323	116	17	study	study	NOUN
fsr-3323	116	18	refers	refer	VERB
fsr-3323	116	19	to	to	ADP
fsr-3323	116	20	as	as	ADP
fsr-3323	116	21	disclosure	disclosure	NOUN
fsr-3323	116	22	items	item	NOUN
fsr-3323	116	23	,	,	PUNCT
fsr-3323	116	24	or	or	CCONJ
fsr-3323	116	25	misconduct	misconduct	NOUN
fsr-3323	116	26	.	.	PUNCT
fsr-3323	117	1	misconduct	misconduct	NOUN
fsr-3323	117	2	measures	measure	NOUN
fsr-3323	117	3	comprise	comprise	VERB
fsr-3323	117	4	the	the	DET
fsr-3323	117	5	dependent	dependent	ADJ
fsr-3323	117	6	variables	variable	NOUN
fsr-3323	117	7	using	use	VERB
fsr-3323	117	8	a	a	DET
fsr-3323	117	9	unique	unique	ADJ
fsr-3323	117	10	model	model	NOUN
fsr-3323	117	11	developed	develop	VERB
fsr-3323	117	12	for	for	ADP
fsr-3323	117	13	this	this	DET
fsr-3323	117	14	study	study	NOUN
fsr-3323	117	15	that	that	PRON
fsr-3323	117	16	compiles	compile	VERB
fsr-3323	117	17	adverse	adverse	ADJ
fsr-3323	117	18	yes	yes	INTJ
fsr-3323	117	19	disclosure	disclosure	NOUN
fsr-3323	117	20	answers	answer	NOUN
fsr-3323	117	21	from	from	ADP
fsr-3323	117	22	rrs	rrs	NOUN
fsr-3323	117	23	’	'	PUNCT
fsr-3323	117	24	u4s	u4s	NOUN
fsr-3323	117	25	.	.	PUNCT
fsr-3323	118	1	this	this	DET
fsr-3323	118	2	study	study	NOUN
fsr-3323	118	3	’s	’s	PART
fsr-3323	118	4	independent	independent	ADJ
fsr-3323	118	5	variable	variable	NOUN
fsr-3323	118	6	(	(	PUNCT
fsr-3323	118	7	iv	iv	X
fsr-3323	118	8	)	)	PUNCT
fsr-3323	118	9	is	be	AUX
fsr-3323	118	10	the	the	DET
fsr-3323	118	11	presence	presence	NOUN
fsr-3323	118	12	of	of	ADP
fsr-3323	118	13	at	at	ADV
fsr-3323	118	14	least	least	ADJ
fsr-3323	118	15	one	one	NUM
fsr-3323	118	16	of	of	ADP
fsr-3323	118	17	the	the	DET
fsr-3323	118	18	study	study	NOUN
fsr-3323	118	19	designations	designation	NOUN
fsr-3323	118	20	.	.	PUNCT
fsr-3323	119	1	control	control	PROPN
fsr-3323	119	2	ivs	ivs	PROPN
fsr-3323	119	3	include	include	VERB
fsr-3323	119	4	age	age	NOUN
fsr-3323	119	5	and	and	CCONJ
fsr-3323	119	6	gender	gender	NOUN
fsr-3323	119	7	,	,	PUNCT
fsr-3323	119	8	years	year	NOUN
fsr-3323	119	9	of	of	ADP
fsr-3323	119	10	rr	rr	NOUN
fsr-3323	119	11	registration	registration	NOUN
fsr-3323	119	12	,	,	PUNCT
fsr-3323	119	13	employee	employee	NOUN
fsr-3323	119	14	verses	verses	ADP
fsr-3323	119	15	independent	independent	ADJ
fsr-3323	119	16	contractor	contractor	NOUN
fsr-3323	119	17	status	status	NOUN
fsr-3323	119	18	,	,	PUNCT
fsr-3323	119	19	the	the	DET
fsr-3323	119	20	presence	presence	NOUN
fsr-3323	119	21	or	or	CCONJ
fsr-3323	119	22	absence	absence	NOUN
fsr-3323	119	23	of	of	ADP
fsr-3323	119	24	a	a	DET
fsr-3323	119	25	life	life	NOUN
fsr-3323	119	26	insurance	insurance	NOUN
fsr-3323	119	27	sales	sale	NOUN
fsr-3323	119	28	license	license	NOUN
fsr-3323	119	29	and	and	CCONJ
fsr-3323	119	30	the	the	DET
fsr-3323	119	31	presence	presence	NOUN
fsr-3323	119	32	of	of	ADP
fsr-3323	119	33	an	an	DET
fsr-3323	119	34	active	active	ADJ
fsr-3323	119	35	fiduciary	fiduciary	ADJ
fsr-3323	119	36	investment	investment	NOUN
fsr-3323	119	37	advisor	advisor	NOUN
fsr-3323	119	38	’s	’s	PART
fsr-3323	119	39	iar	iar	PROPN
fsr-3323	119	40	license	license	NOUN
fsr-3323	119	41	in	in	ADP
fsr-3323	119	42	addition	addition	NOUN
fsr-3323	119	43	to	to	ADP
fsr-3323	119	44	the	the	DET
fsr-3323	119	45	rr	rr	PROPN
fsr-3323	119	46	investments	investment	NOUN
fsr-3323	119	47	products	product	VERB
fsr-3323	119	48	sales	sale	NOUN
fsr-3323	119	49	license	license	NOUN
fsr-3323	119	50	.	.	PUNCT
fsr-3323	120	1	given	give	VERB
fsr-3323	120	2	their	their	PRON
fsr-3323	120	3	additional	additional	ADJ
fsr-3323	120	4	education	education	NOUN
fsr-3323	120	5	and	and	CCONJ
fsr-3323	120	6	ethical	ethical	ADJ
fsr-3323	120	7	requirements	requirement	NOUN
fsr-3323	120	8	,	,	PUNCT
fsr-3323	120	9	designees	designee	NOUN
fsr-3323	120	10	should	should	AUX
fsr-3323	120	11	be	be	AUX
fsr-3323	120	12	more	more	ADV
fsr-3323	120	13	effective	effective	ADJ
fsr-3323	120	14	in	in	ADP
fsr-3323	120	15	subordinating	subordinate	VERB
fsr-3323	120	16	their	their	PRON
fsr-3323	120	17	interests	interest	NOUN
fsr-3323	120	18	and	and	CCONJ
fsr-3323	120	19	dispensing	dispense	VERB
fsr-3323	120	20	better	well	ADJ
fsr-3323	120	21	advice	advice	NOUN
fsr-3323	120	22	than	than	ADP
fsr-3323	120	23	undesignated	undesignated	ADJ
fsr-3323	120	24	reps	rep	NOUN
fsr-3323	120	25	.	.	PROPN
fsr-3323	121	1	this	this	PRON
fsr-3323	121	2	might	might	AUX
fsr-3323	121	3	reasonably	reasonably	ADV
fsr-3323	121	4	be	be	AUX
fsr-3323	121	5	expected	expect	VERB
fsr-3323	121	6	to	to	PART
fsr-3323	121	7	be	be	AUX
fsr-3323	121	8	associated	associate	VERB
fsr-3323	121	9	with	with	ADP
fsr-3323	121	10	lower	low	ADJ
fsr-3323	121	11	disclosure	disclosure	NOUN
fsr-3323	121	12	.	.	PUNCT
fsr-3323	122	1	because	because	SCONJ
fsr-3323	122	2	this	this	DET
fsr-3323	122	3	study	study	NOUN
fsr-3323	122	4	restricts	restrict	VERB
fsr-3323	122	5	analysis	analysis	NOUN
fsr-3323	122	6	to	to	AUX
fsr-3323	122	7	rr	rr	VERB
fsr-3323	122	8	sales	sale	NOUN
fsr-3323	122	9	agents	agent	NOUN
fsr-3323	122	10	,	,	PUNCT
fsr-3323	122	11	it	it	PRON
fsr-3323	122	12	controls	control	VERB
fsr-3323	122	13	for	for	ADP
fsr-3323	122	14	the	the	DET
fsr-3323	122	15	difference	difference	NOUN
fsr-3323	122	16	between	between	ADP
fsr-3323	122	17	suitability	suitability	NOUN
fsr-3323	122	18	sales	sale	NOUN
fsr-3323	122	19	agents	agent	NOUN
fsr-3323	122	20	and	and	CCONJ
fsr-3323	122	21	legally	legally	ADV
fsr-3323	122	22	dedicated	dedicate	VERB
fsr-3323	122	23	fiduciary	fiduciary	ADJ
fsr-3323	122	24	non	non	ADJ
fsr-3323	122	25	-	-	ADJ
fsr-3323	122	26	rr	rr	ADJ
fsr-3323	122	27	iars	iar	NOUN
fsr-3323	122	28	,	,	PUNCT
fsr-3323	122	29	because	because	SCONJ
fsr-3323	122	30	these	these	DET
fsr-3323	122	31	latter	latter	NOUN
fsr-3323	122	32	do	do	AUX
fsr-3323	122	33	not	not	PART
fsr-3323	122	34	also	also	ADV
fsr-3323	122	35	sell	sell	VERB
fsr-3323	122	36	securities	security	NOUN
fsr-3323	122	37	products	product	NOUN
fsr-3323	122	38	under	under	ADP
fsr-3323	122	39	suitability	suitability	NOUN
fsr-3323	122	40	.	.	PUNCT
fsr-3323	123	1	it	it	PRON
fsr-3323	123	2	should	should	AUX
fsr-3323	123	3	be	be	AUX
fsr-3323	123	4	emphasized	emphasize	VERB
fsr-3323	123	5	that	that	SCONJ
fsr-3323	123	6	some	some	DET
fsr-3323	123	7	study	study	NOUN
fsr-3323	123	8	rrs	rrs	NOUN
fsr-3323	123	9	wear	wear	VERB
fsr-3323	123	10	both	both	DET
fsr-3323	123	11	hats	hat	NOUN
fsr-3323	123	12	,	,	PUNCT
fsr-3323	123	13	enhancing	enhance	VERB
fsr-3323	123	14	conflicts	conflict	NOUN
fsr-3323	123	15	for	for	ADP
fsr-3323	123	16	these	these	PRON
fsr-3323	123	17	.	.	PUNCT
fsr-3323	124	1	including	include	VERB
fsr-3323	124	2	only	only	ADV
fsr-3323	124	3	those	those	PRON
fsr-3323	124	4	licensed	license	VERB
fsr-3323	124	5	as	as	ADP
fsr-3323	124	6	rrs	rrs	PROPN
fsr-3323	124	7	is	be	AUX
fsr-3323	124	8	intended	intend	VERB
fsr-3323	124	9	to	to	PART
fsr-3323	124	10	highlight	highlight	VERB
fsr-3323	124	11	any	any	DET
fsr-3323	124	12	pure	pure	ADJ
fsr-3323	124	13	designation	designation	NOUN
fsr-3323	124	14	effect	effect	NOUN
fsr-3323	124	15	differences	difference	NOUN
fsr-3323	124	16	associated	associate	VERB
fsr-3323	124	17	with	with	ADP
fsr-3323	124	18	those	those	PRON
fsr-3323	124	19	bound	bind	VERB
fsr-3323	124	20	by	by	ADP
fsr-3323	124	21	designation	designation	NOUN
fsr-3323	124	22	fiduciary	fiduciary	ADJ
fsr-3323	124	23	ethical	ethical	ADJ
fsr-3323	124	24	codes	code	NOUN
fsr-3323	124	25	who	who	PRON
fsr-3323	124	26	operate	operate	VERB
fsr-3323	124	27	in	in	ADP
fsr-3323	124	28	a	a	DET
fsr-3323	124	29	suitability	suitability	NOUN
fsr-3323	124	30	standard	standard	ADJ
fsr-3323	124	31	product	product	NOUN
fsr-3323	124	32	sales	sale	NOUN
fsr-3323	124	33	environment	environment	NOUN
fsr-3323	124	34	.	.	PUNCT
fsr-3323	125	1	there	there	PRON
fsr-3323	125	2	is	be	VERB
fsr-3323	125	3	potential	potential	ADJ
fsr-3323	125	4	endogeneity	endogeneity	NOUN
fsr-3323	125	5	,	,	PUNCT
fsr-3323	125	6	but	but	CCONJ
fsr-3323	125	7	it	it	PRON
fsr-3323	125	8	is	be	AUX
fsr-3323	125	9	unclear	unclear	ADJ
fsr-3323	125	10	what	what	PRON
fsr-3323	125	11	,	,	PUNCT
fsr-3323	125	12	if	if	SCONJ
fsr-3323	125	13	any	any	PRON
fsr-3323	125	14	,	,	PUNCT
fsr-3323	125	15	bias	bias	NOUN
fsr-3323	125	16	this	this	PRON
fsr-3323	125	17	has	have	VERB
fsr-3323	125	18	on	on	ADP
fsr-3323	125	19	results	result	NOUN
fsr-3323	125	20	.	.	PUNCT
fsr-3323	126	1	would	would	AUX
fsr-3323	126	2	-	-	PUNCT
fsr-3323	126	3	be	be	AUX
fsr-3323	126	4	designees	designee	NOUN
fsr-3323	126	5	with	with	ADP
fsr-3323	126	6	misconduct	misconduct	NOUN
fsr-3323	126	7	may	may	AUX
fsr-3323	126	8	be	be	AUX
fsr-3323	126	9	prevented	prevent	VERB
fsr-3323	126	10	,	,	PUNCT
fsr-3323	126	11	via	via	ADP
fsr-3323	126	12	prescreening	prescreening	NOUN
fsr-3323	126	13	,	,	PUNCT
fsr-3323	126	14	suspensions	suspension	NOUN
fsr-3323	126	15	,	,	PUNCT
fsr-3323	126	16	or	or	CCONJ
fsr-3323	126	17	revocations	revocation	NOUN
fsr-3323	126	18	,	,	PUNCT
fsr-3323	126	19	275j.m	275j.m	NUM
fsr-3323	126	20	.	.	PUNCT
fsr-3323	127	1	camarda	camarda	PROPN
fsr-3323	127	2	/	/	SYM
fsr-3323	127	3	financial	financial	ADJ
fsr-3323	127	4	services	service	NOUN
fsr-3323	127	5	review	review	VERB
fsr-3323	127	6	26	26	NUM
fsr-3323	127	7	(	(	PUNCT
fsr-3323	127	8	2017	2017	NUM
fsr-3323	127	9	)	)	PUNCT
fsr-3323	127	10	271–290	271–290	NUM
fsr-3323	127	11	from	from	ADP
fsr-3323	127	12	using	use	VERB
fsr-3323	127	13	a	a	DET
fsr-3323	127	14	designation	designation	NOUN
fsr-3323	127	15	,	,	PUNCT
fsr-3323	127	16	resulting	result	VERB
fsr-3323	127	17	in	in	ADP
fsr-3323	127	18	a	a	DET
fsr-3323	127	19	mechanical	mechanical	ADJ
fsr-3323	127	20	suppression	suppression	NOUN
fsr-3323	127	21	of	of	ADP
fsr-3323	127	22	designee	designee	NOUN
fsr-3323	127	23	misconduct	misconduct	NOUN
fsr-3323	127	24	per	per	ADP
fsr-3323	127	25	se	se	X
fsr-3323	127	26	.	.	PUNCT
fsr-3323	128	1	this	this	PRON
fsr-3323	128	2	could	could	AUX
fsr-3323	128	3	induce	induce	VERB
fsr-3323	128	4	a	a	DET
fsr-3323	128	5	survivorship	survivorship	NOUN
fsr-3323	128	6	bias	bias	NOUN
fsr-3323	128	7	and	and	CCONJ
fsr-3323	128	8	a	a	DET
fsr-3323	128	9	cross	cross	NOUN
fsr-3323	128	10	section	section	NOUN
fsr-3323	128	11	study	study	NOUN
fsr-3323	128	12	flaw	flaw	NOUN
fsr-3323	128	13	where	where	SCONJ
fsr-3323	128	14	misconduct	misconduct	NOUN
fsr-3323	128	15	is	be	AUX
fsr-3323	128	16	found	find	VERB
fsr-3323	128	17	to	to	PART
fsr-3323	128	18	decline	decline	VERB
fsr-3323	128	19	for	for	ADP
fsr-3323	128	20	designees	designee	NOUN
fsr-3323	128	21	.	.	PUNCT
fsr-3323	129	1	it	it	PRON
fsr-3323	129	2	is	be	AUX
fsr-3323	129	3	possible	possible	ADJ
fsr-3323	129	4	than	than	SCONJ
fsr-3323	129	5	any	any	DET
fsr-3323	129	6	misconduct	misconduct	NOUN
fsr-3323	129	7	or	or	CCONJ
fsr-3323	129	8	revocation	revocation	NOUN
fsr-3323	129	9	effect	effect	NOUN
fsr-3323	129	10	may	may	AUX
fsr-3323	129	11	be	be	AUX
fsr-3323	129	12	somewhat	somewhat	ADV
fsr-3323	129	13	self	self	NOUN
fsr-3323	129	14	-	-	PUNCT
fsr-3323	129	15	correcting	correct	VERB
fsr-3323	129	16	because	because	SCONJ
fsr-3323	129	17	designees	designee	NOUN
fsr-3323	129	18	disclosing	disclose	VERB
fsr-3323	129	19	misconduct	misconduct	NOUN
fsr-3323	129	20	may	may	AUX
fsr-3323	129	21	find	find	VERB
fsr-3323	129	22	their	their	PRON
fsr-3323	129	23	designations	designation	NOUN
fsr-3323	129	24	revoked	revoke	VERB
fsr-3323	129	25	after	after	ADP
fsr-3323	129	26	a	a	DET
fsr-3323	129	27	lag	lag	NOUN
fsr-3323	129	28	,	,	PUNCT
fsr-3323	129	29	who	who	PRON
fsr-3323	129	30	would	would	AUX
fsr-3323	129	31	subsequently	subsequently	ADV
fsr-3323	129	32	be	be	AUX
fsr-3323	129	33	measured	measure	VERB
fsr-3323	129	34	as	as	ADP
fsr-3323	129	35	undesignated	undesignated	ADJ
fsr-3323	129	36	rrs	rrs	NOUN
fsr-3323	129	37	,	,	PUNCT
fsr-3323	129	38	and	and	CCONJ
fsr-3323	129	39	that	that	SCONJ
fsr-3323	129	40	these	these	DET
fsr-3323	129	41	fluctuations	fluctuation	NOUN
fsr-3323	129	42	would	would	AUX
fsr-3323	129	43	damp	damp	VERB
fsr-3323	129	44	out	out	ADP
fsr-3323	129	45	in	in	ADP
fsr-3323	129	46	large	large	ADJ
fsr-3323	129	47	samples	sample	NOUN
fsr-3323	129	48	over	over	ADP
fsr-3323	129	49	time	time	NOUN
fsr-3323	129	50	.	.	PUNCT
fsr-3323	130	1	if	if	SCONJ
fsr-3323	130	2	endogeneity	endogeneity	NOUN
fsr-3323	130	3	is	be	AUX
fsr-3323	130	4	a	a	DET
fsr-3323	130	5	significant	significant	ADJ
fsr-3323	130	6	factor	factor	NOUN
fsr-3323	130	7	—	—	PUNCT
fsr-3323	130	8	because	because	SCONJ
fsr-3323	130	9	designees	designee	NOUN
fsr-3323	130	10	are	be	AUX
fsr-3323	130	11	closely	closely	ADV
fsr-3323	130	12	scrutinized	scrutinize	VERB
fsr-3323	130	13	for	for	ADP
fsr-3323	130	14	disclosure	disclosure	NOUN
fsr-3323	130	15	events	event	NOUN
fsr-3323	130	16	,	,	PUNCT
fsr-3323	130	17	and	and	CCONJ
fsr-3323	130	18	because	because	SCONJ
fsr-3323	130	19	observations	observation	NOUN
fsr-3323	130	20	of	of	ADP
fsr-3323	130	21	disclosed	disclose	VERB
fsr-3323	130	22	misconduct	misconduct	NOUN
fsr-3323	130	23	are	be	AUX
fsr-3323	130	24	correlated	correlate	VERB
fsr-3323	130	25	with	with	ADP
fsr-3323	130	26	revocations	revocation	NOUN
fsr-3323	130	27	—	—	PUNCT
fsr-3323	130	28	one	one	PRON
fsr-3323	130	29	would	would	AUX
fsr-3323	130	30	expect	expect	VERB
fsr-3323	130	31	lower	low	ADJ
fsr-3323	130	32	scores	score	NOUN
fsr-3323	130	33	for	for	ADP
fsr-3323	130	34	surviving	survive	VERB
fsr-3323	130	35	designees	designee	NOUN
fsr-3323	130	36	,	,	PUNCT
fsr-3323	130	37	which	which	PRON
fsr-3323	130	38	should	should	AUX
fsr-3323	130	39	affirm	affirm	VERB
fsr-3323	130	40	the	the	DET
fsr-3323	130	41	desired	desire	VERB
fsr-3323	130	42	signaling	signal	VERB
fsr-3323	130	43	mechanism	mechanism	NOUN
fsr-3323	130	44	.	.	PUNCT
fsr-3323	131	1	it	it	PRON
fsr-3323	131	2	is	be	AUX
fsr-3323	131	3	also	also	ADV
fsr-3323	131	4	quite	quite	ADV
fsr-3323	131	5	possible	possible	ADJ
fsr-3323	131	6	that	that	SCONJ
fsr-3323	131	7	a	a	DET
fsr-3323	131	8	number	number	NOUN
fsr-3323	131	9	of	of	ADP
fsr-3323	131	10	errant	errant	ADJ
fsr-3323	131	11	designees	designee	NOUN
fsr-3323	131	12	slip	slip	VERB
fsr-3323	131	13	through	through	ADP
fsr-3323	131	14	the	the	DET
fsr-3323	131	15	designators	designator	NOUN
fsr-3323	131	16	’	’	PART
fsr-3323	131	17	enforcement	enforcement	NOUN
fsr-3323	131	18	nets	net	NOUN
fsr-3323	131	19	.	.	PUNCT
fsr-3323	132	1	it	it	PRON
fsr-3323	132	2	should	should	AUX
fsr-3323	132	3	be	be	AUX
fsr-3323	132	4	noted	note	VERB
fsr-3323	132	5	that	that	SCONJ
fsr-3323	132	6	professional	professional	ADJ
fsr-3323	132	7	bodies	body	NOUN
fsr-3323	132	8	such	such	ADJ
fsr-3323	132	9	as	as	ADP
fsr-3323	132	10	the	the	DET
fsr-3323	132	11	cfp	cfp	PROPN
fsr-3323	132	12	board	board	PROPN
fsr-3323	132	13	and	and	CCONJ
fsr-3323	132	14	the	the	DET
fsr-3323	132	15	cfa	cfa	PROPN
fsr-3323	132	16	institute	institute	NOUN
fsr-3323	132	17	may	may	AUX
fsr-3323	132	18	only	only	ADV
fsr-3323	132	19	on	on	ADP
fsr-3323	132	20	third	third	ADJ
fsr-3323	132	21	party	party	NOUN
fsr-3323	132	22	complaints	complaint	NOUN
fsr-3323	132	23	and	and	CCONJ
fsr-3323	132	24	the	the	DET
fsr-3323	132	25	self	self	NOUN
fsr-3323	132	26	reporting	reporting	NOUN
fsr-3323	132	27	of	of	ADP
fsr-3323	132	28	ethical	ethical	ADJ
fsr-3323	132	29	violations	violation	NOUN
fsr-3323	132	30	for	for	ADP
fsr-3323	132	31	this	this	DET
fsr-3323	132	32	information	information	NOUN
fsr-3323	132	33	;	;	PUNCT
fsr-3323	132	34	perhaps	perhaps	ADV
fsr-3323	132	35	routine	routine	ADJ
fsr-3323	132	36	screening	screening	NOUN
fsr-3323	132	37	via	via	ADP
fsr-3323	132	38	the	the	DET
fsr-3323	132	39	brokercheck	brokercheck	PROPN
fsr-3323	132	40	algorithm	algorithm	NOUN
fsr-3323	132	41	would	would	AUX
fsr-3323	132	42	be	be	AUX
fsr-3323	132	43	prudent	prudent	ADJ
fsr-3323	132	44	.	.	PUNCT
fsr-3323	133	1	it	it	PRON
fsr-3323	133	2	should	should	AUX
fsr-3323	133	3	be	be	AUX
fsr-3323	133	4	also	also	ADV
fsr-3323	133	5	be	be	AUX
fsr-3323	133	6	noted	note	VERB
fsr-3323	133	7	that	that	SCONJ
fsr-3323	133	8	while	while	SCONJ
fsr-3323	133	9	the	the	DET
fsr-3323	133	10	ria	ria	PROPN
fsr-3323	133	11	/	/	SYM
fsr-3323	133	12	iar	iar	PROPN
fsr-3323	133	13	disclosure	disclosure	NOUN
fsr-3323	133	14	form	form	NOUN
fsr-3323	133	15	adv	adv	PROPN
fsr-3323	133	16	discloses	disclose	VERB
fsr-3323	133	17	designation	designation	NOUN
fsr-3323	133	18	suspensions	suspension	NOUN
fsr-3323	133	19	or	or	CCONJ
fsr-3323	133	20	revocations	revocation	NOUN
fsr-3323	133	21	,	,	PUNCT
fsr-3323	133	22	the	the	DET
fsr-3323	133	23	rr	rr	PROPN
fsr-3323	133	24	form	form	NOUN
fsr-3323	133	25	u4	u4	PROPN
fsr-3323	133	26	does	do	VERB
fsr-3323	133	27	not	not	PART
fsr-3323	133	28	.	.	PUNCT
fsr-3323	134	1	there	there	PRON
fsr-3323	134	2	are	be	VERB
fsr-3323	134	3	no	no	DET
fsr-3323	134	4	reasonably	reasonably	ADV
fsr-3323	134	5	clear	clear	ADJ
fsr-3323	134	6	endogeneity	endogeneity	NOUN
fsr-3323	134	7	effects	effect	NOUN
fsr-3323	134	8	affecting	affect	VERB
fsr-3323	134	9	this	this	DET
fsr-3323	134	10	study	study	NOUN
fsr-3323	134	11	’s	’s	PART
fsr-3323	134	12	results	result	NOUN
fsr-3323	134	13	.	.	PUNCT
fsr-3323	135	1	the	the	DET
fsr-3323	135	2	regression	regression	NOUN
fsr-3323	135	3	models	model	NOUN
fsr-3323	135	4	equate	equate	VERB
fsr-3323	135	5	various	various	ADJ
fsr-3323	135	6	measures	measure	NOUN
fsr-3323	135	7	of	of	ADP
fsr-3323	135	8	misconduct	misconduct	NOUN
fsr-3323	135	9	against	against	ADP
fsr-3323	135	10	the	the	DET
fsr-3323	135	11	study	study	NOUN
fsr-3323	135	12	and	and	CCONJ
fsr-3323	135	13	control	control	VERB
fsr-3323	135	14	independent	independent	ADJ
fsr-3323	135	15	variables	variable	NOUN
fsr-3323	135	16	available	available	ADJ
fsr-3323	135	17	in	in	ADP
fsr-3323	135	18	the	the	DET
fsr-3323	135	19	data	datum	NOUN
fsr-3323	135	20	.	.	PUNCT
fsr-3323	136	1	the	the	DET
fsr-3323	136	2	primary	primary	ADJ
fsr-3323	136	3	dependent	dependent	ADJ
fsr-3323	136	4	variable	variable	NOUN
fsr-3323	136	5	(	(	PUNCT
fsr-3323	136	6	dv	dv	PROPN
fsr-3323	136	7	)	)	PUNCT
fsr-3323	136	8	is	be	AUX
fsr-3323	136	9	a	a	DET
fsr-3323	136	10	construct	construct	NOUN
fsr-3323	136	11	referred	refer	VERB
fsr-3323	136	12	to	to	ADP
fsr-3323	136	13	as	as	ADP
fsr-3323	136	14	disclosure	disclosure	NOUN
fsr-3323	136	15	incidence	incidence	NOUN
fsr-3323	136	16	score	score	NOUN
fsr-3323	136	17	(	(	PUNCT
fsr-3323	136	18	dis	dis	PROPN
fsr-3323	136	19	)	)	PUNCT
fsr-3323	136	20	;	;	PUNCT
fsr-3323	136	21	all	all	DET
fsr-3323	136	22	other	other	ADJ
fsr-3323	136	23	dvs	dvs	NOUN
fsr-3323	136	24	are	be	AUX
fsr-3323	136	25	derived	derive	VERB
fsr-3323	136	26	from	from	ADP
fsr-3323	136	27	dis	dis	PROPN
fsr-3323	136	28	.	.	PUNCT
fsr-3323	137	1	the	the	DET
fsr-3323	137	2	dis	dis	PROPN
fsr-3323	137	3	model	model	NOUN
fsr-3323	137	4	assigns	assign	VERB
fsr-3323	137	5	a	a	DET
fsr-3323	137	6	point	point	NOUN
fsr-3323	137	7	value	value	NOUN
fsr-3323	137	8	subscore	subscore	ADV
fsr-3323	137	9	to	to	ADP
fsr-3323	137	10	each	each	DET
fsr-3323	137	11	u4	u4	PROPN
fsr-3323	137	12	yes	yes	INTJ
fsr-3323	137	13	answer	answer	NOUN
fsr-3323	137	14	depending	depend	VERB
fsr-3323	137	15	on	on	ADP
fsr-3323	137	16	nature	nature	NOUN
fsr-3323	137	17	and	and	CCONJ
fsr-3323	137	18	severity	severity	NOUN
fsr-3323	137	19	.	.	PUNCT
fsr-3323	138	1	dis	dis	PROPN
fsr-3323	138	2	results	result	NOUN
fsr-3323	138	3	shows	show	VERB
fsr-3323	138	4	a	a	DET
fsr-3323	138	5	censored	censored	ADJ
fsr-3323	138	6	range	range	NOUN
fsr-3323	138	7	from	from	ADP
fsr-3323	138	8	0	0	NUM
fsr-3323	138	9	to	to	ADP
fsr-3323	138	10	56	56	NUM
fsr-3323	138	11	.	.	PUNCT
fsr-3323	139	1	most	most	ADJ
fsr-3323	139	2	registrants	registrant	NOUN
fsr-3323	139	3	’	’	PART
fsr-3323	139	4	misconduct	misconduct	NOUN
fsr-3323	139	5	scores	score	NOUN
fsr-3323	139	6	are	be	AUX
fsr-3323	139	7	at	at	ADP
fsr-3323	139	8	or	or	CCONJ
fsr-3323	139	9	near	near	ADP
fsr-3323	139	10	zero	zero	NUM
fsr-3323	139	11	,	,	PUNCT
fsr-3323	139	12	producing	produce	VERB
fsr-3323	139	13	a	a	DET
fsr-3323	139	14	very	very	ADV
fsr-3323	139	15	non	non	ADJ
fsr-3323	139	16	-	-	ADJ
fsr-3323	139	17	normal	normal	ADJ
fsr-3323	139	18	distribution	distribution	NOUN
fsr-3323	139	19	.	.	PUNCT
fsr-3323	140	1	the	the	DET
fsr-3323	140	2	target	target	NOUN
fsr-3323	140	3	population	population	NOUN
fsr-3323	140	4	are	be	AUX
fsr-3323	140	5	those	those	PRON
fsr-3323	140	6	licensed	licensed	ADJ
fsr-3323	140	7	as	as	ADP
fsr-3323	140	8	retail	retail	ADJ
fsr-3323	140	9	rrs	rrs	NOUN
fsr-3323	140	10	in	in	ADP
fsr-3323	140	11	florida	florida	PROPN
fsr-3323	140	12	.	.	PUNCT
fsr-3323	141	1	those	those	PRON
fsr-3323	141	2	modeled	model	VERB
fsr-3323	141	3	as	as	ADP
fsr-3323	141	4	nonretail	nonretail	NOUN
fsr-3323	141	5	rrs	rrs	NOUN
fsr-3323	141	6	,	,	PUNCT
fsr-3323	141	7	such	such	ADJ
fsr-3323	141	8	as	as	ADP
fsr-3323	141	9	analysts	analyst	NOUN
fsr-3323	141	10	,	,	PUNCT
fsr-3323	141	11	are	be	AUX
fsr-3323	141	12	removed	remove	VERB
fsr-3323	141	13	.	.	PUNCT
fsr-3323	142	1	from	from	ADP
fsr-3323	142	2	35,361	35,361	NUM
fsr-3323	142	3	rrs	rrs	NOUN
fsr-3323	142	4	in	in	ADP
fsr-3323	142	5	the	the	DET
fsr-3323	142	6	raw	raw	ADJ
fsr-3323	142	7	data	datum	NOUN
fsr-3323	142	8	,	,	PUNCT
fsr-3323	142	9	26,667	26,667	NUM
fsr-3323	142	10	are	be	AUX
fsr-3323	142	11	modeled	model	VERB
fsr-3323	142	12	as	as	ADP
fsr-3323	142	13	retail	retail	NOUN
fsr-3323	142	14	.	.	PUNCT
fsr-3323	143	1	of	of	ADP
fsr-3323	143	2	these	these	PRON
fsr-3323	143	3	,	,	PUNCT
fsr-3323	143	4	116	116	NUM
fsr-3323	143	5	(	(	PUNCT
fsr-3323	143	6	0.4	0.4	NUM
fsr-3323	143	7	%	%	NOUN
fsr-3323	143	8	)	)	PUNCT
fsr-3323	143	9	have	have	VERB
fsr-3323	143	10	the	the	DET
fsr-3323	143	11	cfa	cfa	NOUN
fsr-3323	143	12	,	,	PUNCT
fsr-3323	143	13	2,534	2,534	NUM
fsr-3323	143	14	(	(	PUNCT
fsr-3323	143	15	9.50	9.50	NUM
fsr-3323	143	16	%	%	NOUN
fsr-3323	143	17	)	)	PUNCT
fsr-3323	143	18	the	the	DET
fsr-3323	143	19	cfp	cfp	NOUN
fsr-3323	143	20	,	,	PUNCT
fsr-3323	143	21	and	and	CCONJ
fsr-3323	143	22	970	970	NUM
fsr-3323	143	23	(	(	PUNCT
fsr-3323	143	24	3.64	3.64	NUM
fsr-3323	143	25	%	%	NOUN
fsr-3323	143	26	)	)	PUNCT
fsr-3323	143	27	the	the	DET
fsr-3323	143	28	chfc	chfc	NOUN
fsr-3323	143	29	.	.	PUNCT
fsr-3323	144	1	florida	florida	PROPN
fsr-3323	144	2	is	be	AUX
fsr-3323	144	3	one	one	NUM
fsr-3323	144	4	of	of	ADP
fsr-3323	144	5	the	the	DET
fsr-3323	144	6	three	three	NUM
fsr-3323	144	7	highest	high	ADJ
fsr-3323	144	8	misconduct	misconduct	NOUN
fsr-3323	144	9	states	state	NOUN
fsr-3323	144	10	,	,	PUNCT
fsr-3323	144	11	has	have	VERB
fsr-3323	144	12	one	one	NUM
fsr-3323	144	13	of	of	ADP
fsr-3323	144	14	the	the	DET
fsr-3323	144	15	highest	high	ADJ
fsr-3323	144	16	concentrations	concentration	NOUN
fsr-3323	144	17	of	of	ADP
fsr-3323	144	18	rrs	rrs	NOUN
fsr-3323	144	19	(	(	PUNCT
fsr-3323	144	20	egan	egan	PROPN
fsr-3323	144	21	et	et	PROPN
fsr-3323	144	22	al	al	PROPN
fsr-3323	144	23	.	.	PROPN
fsr-3323	144	24	,	,	PUNCT
fsr-3323	144	25	2016	2016	NUM
fsr-3323	144	26	)	)	PUNCT
fsr-3323	144	27	,	,	PUNCT
fsr-3323	144	28	and	and	CCONJ
fsr-3323	144	29	is	be	AUX
fsr-3323	144	30	one	one	NUM
fsr-3323	144	31	of	of	ADP
fsr-3323	144	32	only	only	ADV
fsr-3323	144	33	12	12	NUM
fsr-3323	144	34	states	state	NOUN
fsr-3323	144	35	imposing	impose	VERB
fsr-3323	144	36	a	a	DET
fsr-3323	144	37	limited	limited	ADJ
fsr-3323	144	38	fiduciary	fiduciary	ADJ
fsr-3323	144	39	duty	duty	NOUN
fsr-3323	144	40	on	on	ADP
fsr-3323	144	41	rrs	rrs	PROPN
fsr-3323	144	42	(	(	PUNCT
fsr-3323	144	43	finke	finke	PROPN
fsr-3323	144	44	&	&	CCONJ
fsr-3323	144	45	langdon	langdon	PROPN
fsr-3323	144	46	,	,	PUNCT
fsr-3323	144	47	2012	2012	NUM
fsr-3323	144	48	)	)	PUNCT
fsr-3323	144	49	.	.	PUNCT
fsr-3323	145	1	given	give	VERB
fsr-3323	145	2	this	this	PRON
fsr-3323	145	3	,	,	PUNCT
fsr-3323	145	4	the	the	DET
fsr-3323	145	5	greater	great	ADJ
fsr-3323	145	6	florida	florida	PROPN
fsr-3323	145	7	misconduct	misconduct	NOUN
fsr-3323	145	8	incidence	incidence	NOUN
fsr-3323	145	9	noted	note	VERB
fsr-3323	145	10	by	by	ADP
fsr-3323	145	11	egan	egan	PROPN
fsr-3323	145	12	et	et	PROPN
fsr-3323	145	13	al	al	PROPN
fsr-3323	145	14	.	.	PROPN
fsr-3323	145	15	,	,	PUNCT
fsr-3323	145	16	(	(	PUNCT
fsr-3323	145	17	2016	2016	NUM
fsr-3323	145	18	)	)	PUNCT
fsr-3323	145	19	may	may	AUX
fsr-3323	145	20	underscore	underscore	VERB
fsr-3323	145	21	any	any	DET
fsr-3323	145	22	designation	designation	NOUN
fsr-3323	145	23	effect	effect	NOUN
fsr-3323	145	24	found	find	VERB
fsr-3323	145	25	here	here	ADV
fsr-3323	145	26	.	.	PUNCT
fsr-3323	146	1	u4	u4	PROPN
fsr-3323	146	2	data	datum	NOUN
fsr-3323	146	3	are	be	AUX
fsr-3323	146	4	obtained	obtain	VERB
fsr-3323	146	5	from	from	ADP
fsr-3323	146	6	a	a	DET
fsr-3323	146	7	vendor	vendor	NOUN
fsr-3323	146	8	serving	serve	VERB
fsr-3323	146	9	industry	industry	NOUN
fsr-3323	146	10	recruiting	recruiting	NOUN
fsr-3323	146	11	interests	interest	NOUN
fsr-3323	146	12	,	,	PUNCT
fsr-3323	146	13	and	and	CCONJ
fsr-3323	146	14	are	be	AUX
fsr-3323	146	15	generally	generally	ADV
fsr-3323	146	16	consistent	consistent	ADJ
fsr-3323	146	17	with	with	ADP
fsr-3323	146	18	those	those	PRON
fsr-3323	146	19	on	on	ADP
fsr-3323	146	20	brokercheck	brokercheck	NOUN
fsr-3323	146	21	and	and	CCONJ
fsr-3323	146	22	referenced	reference	VERB
fsr-3323	146	23	in	in	ADP
fsr-3323	146	24	other	other	ADJ
fsr-3323	146	25	studies	study	NOUN
fsr-3323	146	26	(	(	PUNCT
fsr-3323	146	27	barry	barry	PROPN
fsr-3323	146	28	&	&	CCONJ
fsr-3323	146	29	eaglesham	eaglesham	PROPN
fsr-3323	146	30	,	,	PUNCT
fsr-3323	146	31	2014	2014	NUM
fsr-3323	146	32	;	;	PUNCT
fsr-3323	146	33	egan	egan	PROPN
fsr-3323	146	34	et	et	PROPN
fsr-3323	146	35	al	al	PROPN
fsr-3323	146	36	.	.	PROPN
fsr-3323	146	37	,	,	PUNCT
fsr-3323	146	38	2016	2016	NUM
fsr-3323	146	39	;	;	PUNCT
fsr-3323	146	40	mccann	mccann	PROPN
fsr-3323	146	41	et	et	PROPN
fsr-3323	146	42	al	al	PROPN
fsr-3323	146	43	.	.	PROPN
fsr-3323	146	44	,	,	PUNCT
fsr-3323	146	45	2016	2016	NUM
fsr-3323	146	46	)	)	PUNCT
fsr-3323	146	47	.	.	PUNCT
fsr-3323	147	1	given	give	VERB
fsr-3323	147	2	this	this	DET
fsr-3323	147	3	study	study	NOUN
fsr-3323	147	4	’s	’s	PART
fsr-3323	147	5	data	datum	NOUN
fsr-3323	147	6	comprise	comprise	VERB
fsr-3323	147	7	virtually	virtually	ADV
fsr-3323	147	8	the	the	DET
fsr-3323	147	9	entire	entire	ADJ
fsr-3323	147	10	population	population	NOUN
fsr-3323	147	11	,	,	PUNCT
fsr-3323	147	12	traditional	traditional	ADJ
fsr-3323	147	13	reliability	reliability	NOUN
fsr-3323	147	14	concerns	concern	NOUN
fsr-3323	147	15	are	be	AUX
fsr-3323	147	16	not	not	PART
fsr-3323	147	17	an	an	DET
fsr-3323	147	18	issue	issue	NOUN
fsr-3323	147	19	.	.	PUNCT
fsr-3323	148	1	data	datum	NOUN
fsr-3323	148	2	are	be	AUX
fsr-3323	148	3	such	such	ADJ
fsr-3323	148	4	that	that	SCONJ
fsr-3323	148	5	misconduct	misconduct	NOUN
fsr-3323	148	6	scores	score	NOUN
fsr-3323	148	7	are	be	AUX
fsr-3323	148	8	cumulative	cumulative	ADJ
fsr-3323	148	9	and	and	CCONJ
fsr-3323	148	10	not	not	PART
fsr-3323	148	11	transitory	transitory	ADJ
fsr-3323	148	12	.	.	PUNCT
fsr-3323	149	1	note	note	VERB
fsr-3323	149	2	they	they	PRON
fsr-3323	149	3	allow	allow	VERB
fsr-3323	149	4	for	for	ADP
fsr-3323	149	5	only	only	ADV
fsr-3323	149	6	one	one	NUM
fsr-3323	149	7	response	response	NOUN
fsr-3323	149	8	to	to	ADP
fsr-3323	149	9	each	each	DET
fsr-3323	149	10	question	question	NOUN
fsr-3323	149	11	,	,	PUNCT
fsr-3323	149	12	regardless	regardless	ADV
fsr-3323	149	13	of	of	ADP
fsr-3323	149	14	the	the	DET
fsr-3323	149	15	number	number	NOUN
fsr-3323	149	16	of	of	ADP
fsr-3323	149	17	incidents	incident	NOUN
fsr-3323	149	18	to	to	PART
fsr-3323	149	19	which	which	PRON
fsr-3323	149	20	it	it	PRON
fsr-3323	149	21	might	might	AUX
fsr-3323	149	22	apply	apply	VERB
fsr-3323	149	23	.	.	PUNCT
fsr-3323	150	1	for	for	ADP
fsr-3323	150	2	example	example	NOUN
fsr-3323	150	3	,	,	PUNCT
fsr-3323	150	4	a	a	DET
fsr-3323	150	5	rr	rr	NOUN
fsr-3323	150	6	whose	whose	DET
fsr-3323	150	7	license	license	NOUN
fsr-3323	150	8	has	have	AUX
fsr-3323	150	9	been	be	AUX
fsr-3323	150	10	revoked	revoke	VERB
fsr-3323	150	11	six	six	NUM
fsr-3323	150	12	times	time	NOUN
fsr-3323	150	13	would	would	AUX
fsr-3323	150	14	show	show	VERB
fsr-3323	150	15	the	the	DET
fsr-3323	150	16	same	same	ADJ
fsr-3323	150	17	score	score	NOUN
fsr-3323	150	18	for	for	ADP
fsr-3323	150	19	the	the	DET
fsr-3323	150	20	applicable	applicable	ADJ
fsr-3323	150	21	question	question	NOUN
fsr-3323	150	22	as	as	ADP
fsr-3323	150	23	one	one	NUM
fsr-3323	150	24	revoked	revoke	VERB
fsr-3323	150	25	only	only	ADV
fsr-3323	150	26	once	once	ADV
fsr-3323	150	27	;	;	PUNCT
fsr-3323	150	28	this	this	PRON
fsr-3323	150	29	will	will	AUX
fsr-3323	150	30	likely	likely	ADV
fsr-3323	150	31	produce	produce	VERB
fsr-3323	150	32	under	under	ADP
fsr-3323	150	33	-	-	PUNCT
fsr-3323	150	34	measurement	measurement	NOUN
fsr-3323	150	35	distortions	distortion	NOUN
fsr-3323	150	36	.	.	PUNCT
fsr-3323	151	1	5	5	X
fsr-3323	151	2	.	.	PUNCT
fsr-3323	151	3	model	model	PROPN
fsr-3323	151	4	specification	specification	PROPN
fsr-3323	151	5	,	,	PUNCT
fsr-3323	151	6	dependent	dependent	ADJ
fsr-3323	151	7	and	and	CCONJ
fsr-3323	151	8	independent	independent	ADJ
fsr-3323	151	9	variables	variable	NOUN
fsr-3323	151	10	dis	dis	PROPN
fsr-3323	151	11	is	be	AUX
fsr-3323	151	12	comprised	comprise	VERB
fsr-3323	151	13	of	of	ADP
fsr-3323	151	14	the	the	DET
fsr-3323	151	15	sum	sum	NOUN
fsr-3323	151	16	of	of	ADP
fsr-3323	151	17	the	the	DET
fsr-3323	151	18	subscores	subscore	NOUN
fsr-3323	151	19	for	for	ADP
fsr-3323	151	20	all	all	DET
fsr-3323	151	21	u4	u4	PROPN
fsr-3323	151	22	disclosure	disclosure	NOUN
fsr-3323	151	23	questions	question	NOUN
fsr-3323	151	24	,	,	PUNCT
fsr-3323	151	25	advisorrelated	advisorrelate	VERB
fsr-3323	151	26	or	or	CCONJ
fsr-3323	151	27	not	not	PART
fsr-3323	151	28	,	,	PUNCT
fsr-3323	151	29	and	and	CCONJ
fsr-3323	151	30	whether	whether	SCONJ
fsr-3323	151	31	indicative	indicative	ADJ
fsr-3323	151	32	of	of	ADP
fsr-3323	151	33	mere	mere	ADJ
fsr-3323	151	34	allegation	allegation	NOUN
fsr-3323	151	35	or	or	CCONJ
fsr-3323	151	36	clear	clear	ADJ
fsr-3323	151	37	wrongdoing	wrongdoing	NOUN
fsr-3323	151	38	.	.	PUNCT
fsr-3323	152	1	dis	dis	PROPN
fsr-3323	152	2	is	be	AUX
fsr-3323	152	3	thus	thus	ADV
fsr-3323	152	4	the	the	DET
fsr-3323	152	5	broadest	broad	ADJ
fsr-3323	152	6	misconduct	misconduct	NOUN
fsr-3323	152	7	measure	measure	NOUN
fsr-3323	152	8	in	in	ADP
fsr-3323	152	9	the	the	DET
fsr-3323	152	10	study	study	NOUN
fsr-3323	152	11	.	.	PUNCT
fsr-3323	153	1	dis	dis	PROPN
fsr-3323	153	2	scoring	score	VERB
fsr-3323	153	3	methodology	methodology	NOUN
fsr-3323	153	4	is	be	AUX
fsr-3323	153	5	described	describe	VERB
fsr-3323	153	6	below	below	ADV
fsr-3323	153	7	.	.	PUNCT
fsr-3323	154	1	276	276	NUM
fsr-3323	154	2	j.m	j.m	PROPN
fsr-3323	154	3	.	.	PROPN
fsr-3323	154	4	camarda	camarda	PROPN
fsr-3323	154	5	/	/	SYM
fsr-3323	154	6	financial	financial	ADJ
fsr-3323	154	7	services	service	NOUN
fsr-3323	154	8	review	review	VERB
fsr-3323	154	9	26	26	NUM
fsr-3323	154	10	(	(	PUNCT
fsr-3323	154	11	2017	2017	NUM
fsr-3323	154	12	)	)	PUNCT
fsr-3323	154	13	271–290	271–290	NUM
fsr-3323	154	14	adis	adi	NOUN
fsr-3323	154	15	(	(	PUNCT
fsr-3323	154	16	advisor	advisor	NOUN
fsr-3323	154	17	dis	dis	PROPN
fsr-3323	154	18	)	)	PUNCT
fsr-3323	154	19	,	,	PUNCT
fsr-3323	154	20	is	be	AUX
fsr-3323	154	21	a	a	DET
fsr-3323	154	22	dis	dis	PROPN
fsr-3323	154	23	subset	subset	NOUN
fsr-3323	154	24	restricted	restrict	VERB
fsr-3323	154	25	to	to	ADP
fsr-3323	154	26	the	the	DET
fsr-3323	154	27	sum	sum	NOUN
fsr-3323	154	28	of	of	ADP
fsr-3323	154	29	all	all	DET
fsr-3323	154	30	dis	dis	PROPN
fsr-3323	154	31	subscores	subscore	NOUN
fsr-3323	154	32	that	that	PRON
fsr-3323	154	33	relate	relate	VERB
fsr-3323	154	34	only	only	ADV
fsr-3323	154	35	to	to	ADP
fsr-3323	154	36	advisor	advisor	NOUN
fsr-3323	154	37	functions	function	NOUN
fsr-3323	154	38	;	;	PUNCT
fsr-3323	154	39	for	for	ADP
fsr-3323	154	40	instance	instance	NOUN
fsr-3323	154	41	,	,	PUNCT
fsr-3323	154	42	financial	financial	ADJ
fsr-3323	154	43	fraud	fraud	NOUN
fsr-3323	154	44	or	or	CCONJ
fsr-3323	154	45	regulatory	regulatory	ADJ
fsr-3323	154	46	suspension	suspension	NOUN
fsr-3323	154	47	would	would	AUX
fsr-3323	154	48	be	be	AUX
fsr-3323	154	49	included	include	VERB
fsr-3323	154	50	,	,	PUNCT
fsr-3323	154	51	but	but	CCONJ
fsr-3323	154	52	domestic	domestic	ADJ
fsr-3323	154	53	abuse	abuse	NOUN
fsr-3323	154	54	or	or	CCONJ
fsr-3323	154	55	personal	personal	ADJ
fsr-3323	154	56	bankruptcy	bankruptcy	NOUN
fsr-3323	154	57	would	would	AUX
fsr-3323	154	58	not	not	PART
fsr-3323	154	59	.	.	PUNCT
fsr-3323	155	1	adis	adis	PROPN
fsr-3323	155	2	includes	include	VERB
fsr-3323	155	3	both	both	DET
fsr-3323	155	4	allegations	allegation	NOUN
fsr-3323	155	5	and	and	CCONJ
fsr-3323	155	6	indications	indication	NOUN
fsr-3323	155	7	of	of	ADP
fsr-3323	155	8	culpability	culpability	NOUN
fsr-3323	155	9	.	.	PUNCT
fsr-3323	156	1	cad	cad	PROPN
fsr-3323	156	2	(	(	PUNCT
fsr-3323	156	3	culpable	culpable	ADJ
fsr-3323	156	4	advisor	advisor	NOUN
fsr-3323	156	5	disclosure	disclosure	NOUN
fsr-3323	156	6	)	)	PUNCT
fsr-3323	156	7	sums	sum	VERB
fsr-3323	156	8	only	only	ADV
fsr-3323	156	9	the	the	DET
fsr-3323	156	10	subscores	subscore	NOUN
fsr-3323	156	11	that	that	PRON
fsr-3323	156	12	are	be	AUX
fsr-3323	156	13	both	both	PRON
fsr-3323	156	14	advisor	advisor	NOUN
fsr-3323	156	15	-	-	PUNCT
fsr-3323	156	16	related	relate	VERB
fsr-3323	156	17	and	and	CCONJ
fsr-3323	156	18	indicate	indicate	VERB
fsr-3323	156	19	findings	finding	NOUN
fsr-3323	156	20	of	of	ADP
fsr-3323	156	21	wrongdoing	wrongdoing	NOUN
fsr-3323	156	22	or	or	CCONJ
fsr-3323	156	23	other	other	ADJ
fsr-3323	156	24	clear	clear	ADJ
fsr-3323	156	25	indications	indication	NOUN
fsr-3323	156	26	of	of	ADP
fsr-3323	156	27	culpability	culpability	NOUN
fsr-3323	156	28	.	.	PUNCT
fsr-3323	157	1	as	as	ADP
fsr-3323	157	2	such	such	ADJ
fsr-3323	157	3	it	it	PRON
fsr-3323	157	4	is	be	AUX
fsr-3323	157	5	this	this	DET
fsr-3323	157	6	study	study	NOUN
fsr-3323	157	7	’s	’s	PART
fsr-3323	157	8	most	most	ADV
fsr-3323	157	9	specific	specific	ADJ
fsr-3323	157	10	and	and	CCONJ
fsr-3323	157	11	important	important	ADJ
fsr-3323	157	12	misconduct	misconduct	NOUN
fsr-3323	157	13	measure	measure	NOUN
fsr-3323	157	14	.	.	PUNCT
fsr-3323	158	1	the	the	DET
fsr-3323	158	2	b	b	X
fsr-3323	158	3	-	-	PUNCT
fsr-3323	158	4	dvs	dvs	NOUN
fsr-3323	158	5	are	be	AUX
fsr-3323	158	6	binary	binary	ADJ
fsr-3323	158	7	transformations	transformation	NOUN
fsr-3323	158	8	of	of	ADP
fsr-3323	158	9	the	the	DET
fsr-3323	158	10	corresponding	correspond	VERB
fsr-3323	158	11	dvs	dvs	NOUN
fsr-3323	158	12	.	.	PUNCT
fsr-3323	159	1	for	for	ADP
fsr-3323	159	2	each	each	PRON
fsr-3323	159	3	,	,	PUNCT
fsr-3323	159	4	if	if	SCONJ
fsr-3323	159	5	the	the	DET
fsr-3323	159	6	correspondent	correspondent	NOUN
fsr-3323	159	7	is	be	AUX
fsr-3323	159	8	greater	great	ADJ
fsr-3323	159	9	than	than	ADP
fsr-3323	159	10	zero	zero	NUM
fsr-3323	159	11	,	,	PUNCT
fsr-3323	159	12	the	the	DET
fsr-3323	159	13	bvalue	bvalue	NOUN
fsr-3323	159	14	would	would	AUX
fsr-3323	159	15	be	be	AUX
fsr-3323	159	16	one	one	NUM
fsr-3323	159	17	;	;	PUNCT
fsr-3323	159	18	if	if	SCONJ
fsr-3323	159	19	the	the	DET
fsr-3323	159	20	correspondent	correspondent	NOUN
fsr-3323	159	21	is	be	AUX
fsr-3323	159	22	zero	zero	NUM
fsr-3323	159	23	,	,	PUNCT
fsr-3323	159	24	the	the	DET
fsr-3323	159	25	b	b	NOUN
fsr-3323	159	26	-	-	PUNCT
fsr-3323	159	27	value	value	NOUN
fsr-3323	159	28	is	be	AUX
fsr-3323	159	29	zero	zero	NUM
fsr-3323	159	30	.	.	PUNCT
fsr-3323	160	1	note	note	VERB
fsr-3323	160	2	scalar	scalar	ADJ
fsr-3323	160	3	information	information	NOUN
fsr-3323	160	4	is	be	AUX
fsr-3323	160	5	lost	lose	VERB
fsr-3323	160	6	;	;	PUNCT
fsr-3323	160	7	dis	dis	PROPN
fsr-3323	160	8	�	�	PROPN
fsr-3323	160	9	56	56	NUM
fsr-3323	160	10	or	or	CCONJ
fsr-3323	160	11	dis	dis	INTJ
fsr-3323	160	12	�	�	PROPN
fsr-3323	160	13	1	1	NUM
fsr-3323	160	14	both	both	PRON
fsr-3323	160	15	become	become	VERB
fsr-3323	160	16	b	b	NOUN
fsr-3323	160	17	-	-	PUNCT
fsr-3323	160	18	dis	dis	NOUN
fsr-3323	160	19	�	�	PROPN
fsr-3323	160	20	1	1	NUM
fsr-3323	160	21	.	.	PUNCT
fsr-3323	161	1	the	the	DET
fsr-3323	161	2	binary	binary	ADJ
fsr-3323	161	3	transformations	transformation	NOUN
fsr-3323	161	4	are	be	AUX
fsr-3323	161	5	needed	need	VERB
fsr-3323	161	6	for	for	ADP
fsr-3323	161	7	logit	logit	NOUN
fsr-3323	161	8	and	and	CCONJ
fsr-3323	161	9	facilitate	facilitate	VERB
fsr-3323	161	10	informative	informative	ADJ
fsr-3323	161	11	descriptive	descriptive	ADJ
fsr-3323	161	12	statistics	statistic	NOUN
fsr-3323	161	13	.	.	PUNCT
fsr-3323	162	1	b	b	X
fsr-3323	162	2	-	-	PUNCT
fsr-3323	162	3	dis	dis	INTJ
fsr-3323	162	4	–	–	PUNCT
fsr-3323	162	5	the	the	DET
fsr-3323	162	6	binary	binary	ADJ
fsr-3323	162	7	transformation	transformation	NOUN
fsr-3323	162	8	of	of	ADP
fsr-3323	162	9	dis	dis	PROPN
fsr-3323	162	10	.	.	PUNCT
fsr-3323	163	1	b	b	X
fsr-3323	163	2	-	-	PUNCT
fsr-3323	163	3	adis	adis	PROPN
fsr-3323	163	4	–	–	PUNCT
fsr-3323	163	5	the	the	DET
fsr-3323	163	6	binary	binary	ADJ
fsr-3323	163	7	transformation	transformation	NOUN
fsr-3323	163	8	of	of	ADP
fsr-3323	163	9	adis	adis	PROPN
fsr-3323	163	10	.	.	PUNCT
fsr-3323	164	1	b	b	X
fsr-3323	164	2	-	-	PUNCT
fsr-3323	164	3	cad	cad	X
fsr-3323	164	4	–	–	PUNCT
fsr-3323	164	5	the	the	DET
fsr-3323	164	6	binary	binary	ADJ
fsr-3323	164	7	transformation	transformation	NOUN
fsr-3323	164	8	of	of	ADP
fsr-3323	164	9	cad	cad	PROPN
fsr-3323	164	10	.	.	PUNCT
fsr-3323	165	1	anydes	anydes	PROPN
fsr-3323	165	2	is	be	AUX
fsr-3323	165	3	an	an	DET
fsr-3323	165	4	indicator	indicator	NOUN
fsr-3323	165	5	iv	iv	NUM
fsr-3323	165	6	for	for	ADP
fsr-3323	165	7	rrs	rrs	NOUN
fsr-3323	165	8	holding	hold	VERB
fsr-3323	165	9	at	at	ADP
fsr-3323	165	10	least	least	ADJ
fsr-3323	165	11	any	any	DET
fsr-3323	165	12	one	one	NUM
fsr-3323	165	13	of	of	ADP
fsr-3323	165	14	the	the	DET
fsr-3323	165	15	three	three	NUM
fsr-3323	165	16	study	study	NOUN
fsr-3323	165	17	designations	designation	NOUN
fsr-3323	165	18	.	.	PUNCT
fsr-3323	166	1	this	this	PRON
fsr-3323	166	2	is	be	AUX
fsr-3323	166	3	the	the	DET
fsr-3323	166	4	study	study	NOUN
fsr-3323	166	5	iv	iv	NOUN
fsr-3323	166	6	.	.	PUNCT
fsr-3323	167	1	this	this	DET
fsr-3323	167	2	study	study	NOUN
fsr-3323	167	3	also	also	ADV
fsr-3323	167	4	uses	use	VERB
fsr-3323	167	5	control	control	NOUN
fsr-3323	167	6	ivs	ivs	PROPN
fsr-3323	167	7	of	of	ADP
fsr-3323	167	8	age	age	NOUN
fsr-3323	167	9	,	,	PUNCT
fsr-3323	167	10	gender	gender	NOUN
fsr-3323	167	11	,	,	PUNCT
fsr-3323	167	12	years	year	NOUN
fsr-3323	167	13	finra	finra	PROPN
fsr-3323	167	14	registered	register	VERB
fsr-3323	167	15	,	,	PUNCT
fsr-3323	167	16	life	life	NOUN
fsr-3323	167	17	insurance	insurance	NOUN
fsr-3323	167	18	sales	sale	NOUN
fsr-3323	167	19	licensure	licensure	NOUN
fsr-3323	167	20	,	,	PUNCT
fsr-3323	167	21	independent	independent	ADJ
fsr-3323	167	22	contractor	contractor	NOUN
fsr-3323	167	23	versus	versus	ADP
fsr-3323	167	24	employee	employee	NOUN
fsr-3323	167	25	status	status	NOUN
fsr-3323	167	26	,	,	PUNCT
fsr-3323	167	27	and	and	CCONJ
fsr-3323	167	28	dual	dual	ADJ
fsr-3323	167	29	rr	rr	PROPN
fsr-3323	167	30	/	/	SYM
fsr-3323	167	31	iar	iar	PROPN
fsr-3323	167	32	registration	registration	NOUN
fsr-3323	167	33	status	status	NOUN
fsr-3323	167	34	.	.	PUNCT
fsr-3323	168	1	employment	employment	NOUN
fsr-3323	168	2	status	status	NOUN
fsr-3323	168	3	seeks	seek	VERB
fsr-3323	168	4	to	to	PART
fsr-3323	168	5	control	control	VERB
fsr-3323	168	6	for	for	ADP
fsr-3323	168	7	possible	possible	ADJ
fsr-3323	168	8	higher	high	ADJ
fsr-3323	168	9	employer	employer	NOUN
fsr-3323	168	10	supervision	supervision	NOUN
fsr-3323	168	11	effects	effect	NOUN
fsr-3323	168	12	verses	verses	ADP
fsr-3323	168	13	perhaps	perhaps	ADV
fsr-3323	168	14	reduced	reduce	VERB
fsr-3323	168	15	compliance	compliance	NOUN
fsr-3323	168	16	oversight	oversight	NOUN
fsr-3323	168	17	for	for	ADP
fsr-3323	168	18	nonemployee	nonemployee	ADJ
fsr-3323	168	19	contractors	contractor	NOUN
fsr-3323	168	20	.	.	PUNCT
fsr-3323	169	1	note	note	VERB
fsr-3323	169	2	dual	dual	ADJ
fsr-3323	169	3	registration	registration	NOUN
fsr-3323	169	4	means	mean	VERB
fsr-3323	169	5	the	the	DET
fsr-3323	169	6	subjects	subject	NOUN
fsr-3323	169	7	can	can	AUX
fsr-3323	169	8	do	do	VERB
fsr-3323	169	9	business	business	NOUN
fsr-3323	169	10	as	as	ADP
fsr-3323	169	11	both	both	DET
fsr-3323	169	12	rrs	rrs	NOUN
fsr-3323	169	13	and	and	CCONJ
fsr-3323	169	14	iars	iar	NOUN
fsr-3323	169	15	,	,	PUNCT
fsr-3323	169	16	a	a	DET
fsr-3323	169	17	conflicted	conflicted	ADJ
fsr-3323	169	18	situation	situation	NOUN
fsr-3323	169	19	given	give	VERB
fsr-3323	169	20	respective	respective	ADJ
fsr-3323	169	21	suitability	suitability	NOUN
fsr-3323	169	22	versus	versus	ADP
fsr-3323	169	23	fiduciary	fiduciary	ADJ
fsr-3323	169	24	duties	duty	NOUN
fsr-3323	169	25	.	.	PUNCT
fsr-3323	170	1	rrs	rrs	NOUN
fsr-3323	170	2	with	with	ADP
fsr-3323	170	3	insurance	insurance	NOUN
fsr-3323	170	4	licenses	license	NOUN
fsr-3323	170	5	have	have	VERB
fsr-3323	170	6	the	the	DET
fsr-3323	170	7	ability	ability	NOUN
fsr-3323	170	8	to	to	PART
fsr-3323	170	9	also	also	ADV
fsr-3323	170	10	sell	sell	VERB
fsr-3323	170	11	fixed	fix	VERB
fsr-3323	170	12	and	and	CCONJ
fsr-3323	170	13	variable	variable	ADJ
fsr-3323	170	14	life	life	NOUN
fsr-3323	170	15	insurance	insurance	NOUN
fsr-3323	170	16	products	product	NOUN
fsr-3323	170	17	such	such	ADJ
fsr-3323	170	18	as	as	ADP
fsr-3323	170	19	annuities	annuity	NOUN
fsr-3323	170	20	,	,	PUNCT
fsr-3323	170	21	often	often	ADV
fsr-3323	170	22	marketed	market	VERB
fsr-3323	170	23	as	as	ADP
fsr-3323	170	24	investments	investment	NOUN
fsr-3323	170	25	,	,	PUNCT
fsr-3323	170	26	which	which	PRON
fsr-3323	170	27	have	have	VERB
fsr-3323	170	28	a	a	DET
fsr-3323	170	29	robust	robust	ADJ
fsr-3323	170	30	history	history	NOUN
fsr-3323	170	31	of	of	ADP
fsr-3323	170	32	complaints	complaint	NOUN
fsr-3323	170	33	.	.	PUNCT
fsr-3323	171	1	while	while	SCONJ
fsr-3323	171	2	the	the	DET
fsr-3323	171	3	control	control	NOUN
fsr-3323	171	4	variables	variable	NOUN
fsr-3323	171	5	are	be	AUX
fsr-3323	171	6	not	not	PART
fsr-3323	171	7	hypothesized	hypothesize	VERB
fsr-3323	171	8	in	in	ADP
fsr-3323	171	9	this	this	DET
fsr-3323	171	10	study	study	NOUN
fsr-3323	171	11	as	as	ADP
fsr-3323	171	12	explanatory	explanatory	ADJ
fsr-3323	171	13	,	,	PUNCT
fsr-3323	171	14	some	some	PRON
fsr-3323	171	15	of	of	ADP
fsr-3323	171	16	their	their	PRON
fsr-3323	171	17	results	result	NOUN
fsr-3323	171	18	seem	seem	VERB
fsr-3323	171	19	quite	quite	ADV
fsr-3323	171	20	interesting	interesting	ADJ
fsr-3323	171	21	and	and	CCONJ
fsr-3323	171	22	worthy	worthy	ADJ
fsr-3323	171	23	of	of	ADP
fsr-3323	171	24	further	further	ADJ
fsr-3323	171	25	study	study	NOUN
fsr-3323	171	26	.	.	PUNCT
fsr-3323	172	1	6	6	X
fsr-3323	172	2	.	.	X
fsr-3323	172	3	construction	construction	NOUN
fsr-3323	172	4	of	of	ADP
fsr-3323	172	5	dependent	dependent	ADJ
fsr-3323	172	6	variables	variable	NOUN
fsr-3323	172	7	there	there	PRON
fsr-3323	172	8	are	be	VERB
fsr-3323	172	9	57	57	NUM
fsr-3323	172	10	individual	individual	ADJ
fsr-3323	172	11	disclosure	disclosure	NOUN
fsr-3323	172	12	categories	category	NOUN
fsr-3323	172	13	queried	query	VERB
fsr-3323	172	14	on	on	ADP
fsr-3323	172	15	the	the	DET
fsr-3323	172	16	form	form	NOUN
fsr-3323	172	17	u4	u4	PROPN
fsr-3323	172	18	.	.	PUNCT
fsr-3323	173	1	the	the	DET
fsr-3323	173	2	excerpt	excerpt	NOUN
fsr-3323	173	3	in	in	ADP
fsr-3323	173	4	fig	fig	NOUN
fsr-3323	173	5	.	.	PUNCT
fsr-3323	174	1	1	1	NUM
fsr-3323	174	2	offers	offer	VERB
fsr-3323	174	3	an	an	DET
fsr-3323	174	4	example	example	NOUN
fsr-3323	174	5	of	of	ADP
fsr-3323	174	6	these	these	DET
fsr-3323	174	7	questions	question	NOUN
fsr-3323	174	8	.	.	PUNCT
fsr-3323	175	1	some	some	PRON
fsr-3323	175	2	of	of	ADP
fsr-3323	175	3	these	these	PRON
fsr-3323	175	4	—	—	PUNCT
fsr-3323	175	5	such	such	ADJ
fsr-3323	175	6	as	as	ADP
fsr-3323	175	7	“	"	PUNCT
fsr-3323	175	8	have	have	AUX
fsr-3323	175	9	you	you	PRON
fsr-3323	175	10	ever	ever	ADV
fsr-3323	175	11	been	be	AUX
fsr-3323	175	12	charged	charge	VERB
fsr-3323	175	13	with	with	ADP
fsr-3323	175	14	any	any	DET
fsr-3323	175	15	felony?”—disclose	felony?”—disclose	DET
fsr-3323	175	16	allegation	allegation	NOUN
fsr-3323	175	17	,	,	PUNCT
fsr-3323	175	18	but	but	CCONJ
fsr-3323	175	19	not	not	PART
fsr-3323	175	20	culpability	culpability	NOUN
fsr-3323	175	21	,	,	PUNCT
fsr-3323	175	22	of	of	ADP
fsr-3323	175	23	a	a	DET
fsr-3323	175	24	non	non	ADJ
fsr-3323	175	25	-	-	ADJ
fsr-3323	175	26	advisor	advisor	ADJ
fsr-3323	175	27	–	–	PUNCT
fsr-3323	175	28	specific	specific	ADJ
fsr-3323	175	29	disclosure	disclosure	NOUN
fsr-3323	175	30	,	,	PUNCT
fsr-3323	175	31	while	while	SCONJ
fsr-3323	175	32	others	other	NOUN
fsr-3323	175	33	,	,	PUNCT
fsr-3323	175	34	such	such	ADJ
fsr-3323	175	35	as	as	ADP
fsr-3323	175	36	“	"	PUNCT
fsr-3323	175	37	have	have	AUX
fsr-3323	175	38	you	you	PRON
fsr-3323	175	39	ever	ever	ADV
fsr-3323	175	40	been	be	AUX
fsr-3323	175	41	convicted	convict	VERB
fsr-3323	175	42	of	of	ADP
fsr-3323	175	43	.	.	PUNCT
fsr-3323	175	44	.	.	PUNCT
fsr-3323	175	45	.	.	PUNCT
fsr-3323	176	1	a	a	DET
fsr-3323	176	2	misdemeanor	misdemeanor	NOUN
fsr-3323	176	3	involving	involve	VERB
fsr-3323	176	4	investments	investment	NOUN
fsr-3323	176	5	.	.	PUNCT
fsr-3323	176	6	.	.	PUNCT
fsr-3323	177	1	.	.	PUNCT
fsr-3323	178	1	or	or	CCONJ
fsr-3323	178	2	any	any	DET
fsr-3323	178	3	fraud	fraud	NOUN
fsr-3323	178	4	.	.	PUNCT
fsr-3323	178	5	.	.	PUNCT
fsr-3323	178	6	.	.	PUNCT
fsr-3323	178	7	”	"	PUNCT
fsr-3323	179	1	connote	connote	VERB
fsr-3323	179	2	a	a	DET
fsr-3323	179	3	finding	finding	NOUN
fsr-3323	179	4	of	of	ADP
fsr-3323	179	5	clear	clear	ADJ
fsr-3323	179	6	advisor	advisor	NOUN
fsr-3323	179	7	-	-	PUNCT
fsr-3323	179	8	related	relate	VERB
fsr-3323	179	9	wrongdoing	wrongdoing	NOUN
fsr-3323	179	10	.	.	PUNCT
fsr-3323	180	1	to	to	PART
fsr-3323	180	2	assess	assess	VERB
fsr-3323	180	3	the	the	DET
fsr-3323	180	4	potential	potential	ADJ
fsr-3323	180	5	impact	impact	NOUN
fsr-3323	180	6	on	on	ADP
fsr-3323	180	7	advisory	advisory	ADJ
fsr-3323	180	8	quality	quality	NOUN
fsr-3323	180	9	,	,	PUNCT
fsr-3323	180	10	the	the	DET
fsr-3323	180	11	study	study	NOUN
fsr-3323	180	12	quantifies	quantify	VERB
fsr-3323	180	13	each	each	DET
fsr-3323	180	14	yes	yes	INTJ
fsr-3323	180	15	disclosure	disclosure	NOUN
fsr-3323	180	16	based	base	VERB
fsr-3323	180	17	on	on	ADP
fsr-3323	180	18	the	the	DET
fsr-3323	180	19	applicable	applicable	ADJ
fsr-3323	180	20	two	two	NUM
fsr-3323	180	21	of	of	ADP
fsr-3323	180	22	four	four	NUM
fsr-3323	180	23	possible	possible	ADJ
fsr-3323	180	24	conditions	condition	NOUN
fsr-3323	180	25	:	:	PUNCT
fsr-3323	180	26	is	be	AUX
fsr-3323	180	27	the	the	DET
fsr-3323	180	28	disclosure	disclosure	NOUN
fsr-3323	180	29	of	of	ADP
fsr-3323	180	30	mere	mere	ADJ
fsr-3323	180	31	allegation	allegation	NOUN
fsr-3323	180	32	,	,	PUNCT
fsr-3323	180	33	or	or	CCONJ
fsr-3323	180	34	does	do	AUX
fsr-3323	180	35	it	it	PRON
fsr-3323	180	36	reasonably	reasonably	ADV
fsr-3323	180	37	indicate	indicate	VERB
fsr-3323	180	38	culpability	culpability	NOUN
fsr-3323	180	39	?	?	PUNCT
fsr-3323	181	1	does	do	AUX
fsr-3323	181	2	the	the	DET
fsr-3323	181	3	disclosure	disclosure	NOUN
fsr-3323	181	4	specifically	specifically	ADV
fsr-3323	181	5	relate	relate	VERB
fsr-3323	181	6	to	to	ADP
fsr-3323	181	7	theft	theft	NOUN
fsr-3323	181	8	or	or	CCONJ
fsr-3323	181	9	consumer	consumer	NOUN
fsr-3323	181	10	investment	investment	NOUN
fsr-3323	181	11	harm	harm	NOUN
fsr-3323	181	12	,	,	PUNCT
fsr-3323	181	13	or	or	CCONJ
fsr-3323	181	14	instead	instead	ADV
fsr-3323	181	15	relate	relate	VERB
fsr-3323	181	16	to	to	ADP
fsr-3323	181	17	nonadvisor	nonadvisor	NOUN
fsr-3323	181	18	-	-	PUNCT
fsr-3323	181	19	specific	specific	ADJ
fsr-3323	181	20	unethical	unethical	ADJ
fsr-3323	181	21	behavior	behavior	NOUN
fsr-3323	181	22	?	?	PUNCT
fsr-3323	182	1	each	each	DET
fsr-3323	182	2	condition	condition	NOUN
fsr-3323	182	3	is	be	AUX
fsr-3323	182	4	assigned	assign	VERB
fsr-3323	182	5	a	a	DET
fsr-3323	182	6	dis	dis	NOUN
fsr-3323	182	7	factor	factor	NOUN
fsr-3323	182	8	value	value	NOUN
fsr-3323	182	9	of	of	ADP
fsr-3323	182	10	1–4	1–4	NUM
fsr-3323	182	11	,	,	PUNCT
fsr-3323	182	12	and	and	CCONJ
fsr-3323	182	13	the	the	DET
fsr-3323	182	14	product	product	NOUN
fsr-3323	182	15	of	of	ADP
fsr-3323	182	16	the	the	DET
fsr-3323	182	17	factors	factor	NOUN
fsr-3323	182	18	corresponding	correspond	VERB
fsr-3323	182	19	to	to	ADP
fsr-3323	182	20	a	a	DET
fsr-3323	182	21	specific	specific	ADJ
fsr-3323	182	22	combination	combination	NOUN
fsr-3323	182	23	of	of	ADP
fsr-3323	182	24	conditions	condition	NOUN
fsr-3323	182	25	determines	determine	VERB
fsr-3323	182	26	the	the	DET
fsr-3323	182	27	misconduct	misconduct	NOUN
fsr-3323	182	28	subscore	subscore	ADJ
fsr-3323	182	29	for	for	ADP
fsr-3323	182	30	a	a	DET
fsr-3323	182	31	particular	particular	ADJ
fsr-3323	182	32	disclosure	disclosure	NOUN
fsr-3323	182	33	question	question	NOUN
fsr-3323	182	34	.	.	PUNCT
fsr-3323	183	1	for	for	ADP
fsr-3323	183	2	each	each	DET
fsr-3323	183	3	registrant	registrant	NOUN
fsr-3323	183	4	,	,	PUNCT
fsr-3323	183	5	each	each	DET
fsr-3323	183	6	question	question	NOUN
fsr-3323	183	7	’s	’s	PART
fsr-3323	183	8	subscores	subscore	NOUN
fsr-3323	183	9	are	be	AUX
fsr-3323	183	10	summed	sum	VERB
fsr-3323	183	11	to	to	PART
fsr-3323	183	12	determine	determine	VERB
fsr-3323	183	13	a	a	DET
fsr-3323	183	14	regis277j.m	regis277j.m	NOUN
fsr-3323	183	15	.	.	PUNCT
fsr-3323	184	1	camarda	camarda	VERB
fsr-3323	184	2	/	/	SYM
fsr-3323	184	3	financial	financial	ADJ
fsr-3323	184	4	services	service	NOUN
fsr-3323	184	5	review	review	VERB
fsr-3323	184	6	26	26	NUM
fsr-3323	184	7	(	(	PUNCT
fsr-3323	184	8	2017	2017	NUM
fsr-3323	184	9	)	)	PUNCT
fsr-3323	184	10	271–290	271–290	NUM
fsr-3323	184	11	trant	trant	NOUN
fsr-3323	184	12	’s	’s	PART
fsr-3323	184	13	total	total	ADJ
fsr-3323	184	14	disclosure	disclosure	NOUN
fsr-3323	184	15	score	score	NOUN
fsr-3323	184	16	,	,	PUNCT
fsr-3323	184	17	which	which	PRON
fsr-3323	184	18	is	be	AUX
fsr-3323	184	19	used	use	VERB
fsr-3323	184	20	as	as	ADP
fsr-3323	184	21	the	the	DET
fsr-3323	184	22	basis	basis	NOUN
fsr-3323	184	23	for	for	ADP
fsr-3323	184	24	the	the	DET
fsr-3323	184	25	dependent	dependent	ADJ
fsr-3323	184	26	variables	variable	NOUN
fsr-3323	184	27	in	in	ADP
fsr-3323	184	28	this	this	DET
fsr-3323	184	29	study	study	NOUN
fsr-3323	184	30	.	.	PUNCT
fsr-3323	185	1	to	to	PART
fsr-3323	185	2	reiterate	reiterate	VERB
fsr-3323	185	3	,	,	PUNCT
fsr-3323	185	4	this	this	DET
fsr-3323	185	5	study	study	NOUN
fsr-3323	185	6	uses	use	VERB
fsr-3323	185	7	four	four	NUM
fsr-3323	185	8	conditions	condition	NOUN
fsr-3323	185	9	and	and	CCONJ
fsr-3323	185	10	four	four	NUM
fsr-3323	185	11	dis	dis	PROPN
fsr-3323	185	12	factors	factor	NOUN
fsr-3323	185	13	to	to	PART
fsr-3323	185	14	determine	determine	VERB
fsr-3323	185	15	the	the	DET
fsr-3323	185	16	dis	dis	PROPN
fsr-3323	185	17	and	and	CCONJ
fsr-3323	185	18	other	other	ADJ
fsr-3323	185	19	study	study	NOUN
fsr-3323	185	20	dvs	dvs	NOUN
fsr-3323	185	21	:	:	PUNCT
fsr-3323	185	22	1	1	X
fsr-3323	185	23	.	.	PUNCT
fsr-3323	185	24	does	do	AUX
fsr-3323	185	25	the	the	DET
fsr-3323	185	26	item	item	NOUN
fsr-3323	185	27	generally	generally	ADV
fsr-3323	185	28	relate	relate	VERB
fsr-3323	185	29	to	to	ADP
fsr-3323	185	30	non	non	NOUN
fsr-3323	185	31	-	-	ADJ
fsr-3323	185	32	investments	investment	NOUN
fsr-3323	185	33	–	–	PUNCT
fsr-3323	185	34	specific	specific	ADJ
fsr-3323	185	35	amoral	amoral	ADJ
fsr-3323	185	36	or	or	CCONJ
fsr-3323	185	37	unethical	unethical	ADJ
fsr-3323	185	38	behavior	behavior	NOUN
fsr-3323	185	39	?	?	PUNCT
fsr-3323	186	1	dis	dis	PROPN
fsr-3323	186	2	factor	factor	NOUN
fsr-3323	186	3	�	�	PROPN
fsr-3323	186	4	1	1	NUM
fsr-3323	186	5	2	2	NUM
fsr-3323	186	6	.	.	PUNCT
fsr-3323	187	1	does	do	AUX
fsr-3323	187	2	the	the	DET
fsr-3323	187	3	item	item	NOUN
fsr-3323	187	4	directly	directly	ADV
fsr-3323	187	5	relate	relate	VERB
fsr-3323	187	6	to	to	PART
fsr-3323	187	7	registrant	registrant	VERB
fsr-3323	187	8	’s	’s	PART
fsr-3323	187	9	actions	action	NOUN
fsr-3323	187	10	with	with	ADP
fsr-3323	187	11	respect	respect	NOUN
fsr-3323	187	12	to	to	ADP
fsr-3323	187	13	investments	investment	NOUN
fsr-3323	187	14	or	or	CCONJ
fsr-3323	187	15	theft	theft	NOUN
fsr-3323	187	16	?	?	PUNCT
fsr-3323	188	1	dis	dis	PROPN
fsr-3323	188	2	factor	factor	NOUN
fsr-3323	188	3	�	�	PROPN
fsr-3323	188	4	2	2	NUM
fsr-3323	188	5	3	3	NUM
fsr-3323	188	6	.	.	PUNCT
fsr-3323	189	1	does	do	AUX
fsr-3323	189	2	the	the	DET
fsr-3323	189	3	item	item	NOUN
fsr-3323	189	4	relate	relate	VERB
fsr-3323	189	5	to	to	ADP
fsr-3323	189	6	allegations	allegation	NOUN
fsr-3323	189	7	against	against	ADP
fsr-3323	189	8	registrant	registrant	NOUN
fsr-3323	189	9	without	without	ADP
fsr-3323	189	10	other	other	ADJ
fsr-3323	189	11	implication	implication	NOUN
fsr-3323	189	12	of	of	ADP
fsr-3323	189	13	culpability	culpability	NOUN
fsr-3323	189	14	?	?	PUNCT
fsr-3323	190	1	dis	dis	PROPN
fsr-3323	190	2	factor	factor	NOUN
fsr-3323	190	3	�	�	PROPN
fsr-3323	190	4	1	1	NUM
fsr-3323	190	5	4	4	NUM
fsr-3323	190	6	.	.	PUNCT
fsr-3323	191	1	does	do	AUX
fsr-3323	191	2	the	the	DET
fsr-3323	191	3	item	item	NOUN
fsr-3323	191	4	relate	relate	VERB
fsr-3323	191	5	to	to	ADP
fsr-3323	191	6	allegations	allegation	NOUN
fsr-3323	191	7	against	against	ADP
fsr-3323	191	8	registrant	registrant	NOUN
fsr-3323	191	9	with	with	ADP
fsr-3323	191	10	reasonable	reasonable	ADJ
fsr-3323	191	11	implication	implication	NOUN
fsr-3323	191	12	of	of	ADP
fsr-3323	191	13	culpability	culpability	NOUN
fsr-3323	191	14	?	?	PUNCT
fsr-3323	192	1	dis	dis	PROPN
fsr-3323	192	2	factor	factor	NOUN
fsr-3323	192	3	�	�	PROPN
fsr-3323	192	4	2	2	NUM
fsr-3323	192	5	both	both	CCONJ
fsr-3323	192	6	a	a	DET
fsr-3323	192	7	sum	sum	NOUN
fsr-3323	192	8	and	and	CCONJ
fsr-3323	192	9	a	a	DET
fsr-3323	192	10	product	product	NOUN
fsr-3323	192	11	version	version	NOUN
fsr-3323	192	12	of	of	ADP
fsr-3323	192	13	the	the	DET
fsr-3323	192	14	dis	dis	PROPN
fsr-3323	192	15	calculation	calculation	NOUN
fsr-3323	192	16	were	be	AUX
fsr-3323	192	17	considered	consider	VERB
fsr-3323	192	18	for	for	ADP
fsr-3323	192	19	this	this	DET
fsr-3323	192	20	study	study	NOUN
fsr-3323	192	21	.	.	PUNCT
fsr-3323	193	1	the	the	DET
fsr-3323	193	2	product	product	NOUN
fsr-3323	193	3	version	version	NOUN
fsr-3323	193	4	is	be	AUX
fsr-3323	193	5	used	use	VERB
fsr-3323	193	6	as	as	SCONJ
fsr-3323	193	7	it	it	PRON
fsr-3323	193	8	offers	offer	VERB
fsr-3323	193	9	a	a	DET
fsr-3323	193	10	more	more	ADV
fsr-3323	193	11	appropriate	appropriate	ADJ
fsr-3323	193	12	severity	severity	NOUN
fsr-3323	193	13	score	score	NOUN
fsr-3323	193	14	gradient	gradient	NOUN
fsr-3323	193	15	.	.	PUNCT
fsr-3323	194	1	for	for	ADP
fsr-3323	194	2	instance	instance	NOUN
fsr-3323	194	3	,	,	PUNCT
fsr-3323	194	4	as	as	SCONJ
fsr-3323	194	5	seen	see	VERB
fsr-3323	194	6	in	in	ADP
fsr-3323	194	7	table	table	NOUN
fsr-3323	194	8	1	1	NUM
fsr-3323	194	9	,	,	PUNCT
fsr-3323	194	10	conditions	condition	NOUN
fsr-3323	194	11	one	one	NUM
fsr-3323	194	12	and	and	CCONJ
fsr-3323	194	13	three	three	NUM
fsr-3323	194	14	—	—	PUNCT
fsr-3323	194	15	mere	mere	ADJ
fsr-3323	194	16	allegation	allegation	NOUN
fsr-3323	194	17	of	of	ADP
fsr-3323	194	18	a	a	DET
fsr-3323	194	19	non	non	ADJ
fsr-3323	194	20	-	-	ADJ
fsr-3323	194	21	advisory	advisory	ADJ
fsr-3323	194	22	item	item	NOUN
fsr-3323	194	23	—	—	PUNCT
fsr-3323	194	24	only	only	ADV
fsr-3323	194	25	produces	produce	VERB
fsr-3323	194	26	a	a	DET
fsr-3323	194	27	subscore	subscore	NOUN
fsr-3323	194	28	of	of	ADP
fsr-3323	194	29	1	1	NUM
fsr-3323	194	30	using	use	VERB
fsr-3323	194	31	the	the	DET
fsr-3323	194	32	product	product	NOUN
fsr-3323	194	33	method	method	NOUN
fsr-3323	194	34	,	,	PUNCT
fsr-3323	194	35	one	one	NUM
fsr-3323	194	36	-	-	PUNCT
fsr-3323	194	37	fourth	fourth	NOUN
fsr-3323	194	38	as	as	ADV
fsr-3323	194	39	much	much	ADV
fsr-3323	194	40	as	as	ADP
fsr-3323	194	41	a	a	DET
fsr-3323	194	42	finding	finding	NOUN
fsr-3323	194	43	of	of	ADP
fsr-3323	194	44	an	an	DET
fsr-3323	194	45	advisory	advisory	ADJ
fsr-3323	194	46	item	item	NOUN
fsr-3323	194	47	like	like	ADP
fsr-3323	194	48	financial	financial	ADJ
fsr-3323	194	49	fraud	fraud	NOUN
fsr-3323	194	50	that	that	PRON
fsr-3323	194	51	would	would	AUX
fsr-3323	194	52	yields	yield	VERB
fsr-3323	194	53	a	a	DET
fsr-3323	194	54	subscore	subscore	NOUN
fsr-3323	194	55	of	of	ADP
fsr-3323	194	56	4	4	NUM
fsr-3323	194	57	.	.	PUNCT
fsr-3323	195	1	the	the	DET
fsr-3323	195	2	sum	sum	NOUN
fsr-3323	195	3	method	method	NOUN
fsr-3323	195	4	would	would	AUX
fsr-3323	195	5	produce	produce	VERB
fsr-3323	195	6	a	a	DET
fsr-3323	195	7	subscore	subscore	NOUN
fsr-3323	195	8	of	of	ADP
fsr-3323	195	9	2	2	NUM
fsr-3323	195	10	for	for	ADP
fsr-3323	195	11	a	a	DET
fsr-3323	195	12	disclosure	disclosure	NOUN
fsr-3323	195	13	of	of	ADP
fsr-3323	195	14	a	a	DET
fsr-3323	195	15	mere	mere	ADJ
fsr-3323	195	16	allegation	allegation	NOUN
fsr-3323	195	17	of	of	ADP
fsr-3323	195	18	non	non	ADJ
fsr-3323	195	19	-	-	ADJ
fsr-3323	195	20	advisory	advisory	ADJ
fsr-3323	195	21	fig	fig	NOUN
fsr-3323	195	22	.	.	PUNCT
fsr-3323	196	1	1	1	X
fsr-3323	196	2	.	.	X
fsr-3323	196	3	typical	typical	ADJ
fsr-3323	196	4	finra	finra	PROPN
fsr-3323	196	5	form	form	NOUN
fsr-3323	196	6	u4	u4	PROPN
fsr-3323	196	7	questions	question	NOUN
fsr-3323	196	8	.	.	PUNCT
fsr-3323	197	1	278	278	NUM
fsr-3323	197	2	j.m	j.m	PROPN
fsr-3323	197	3	.	.	PROPN
fsr-3323	197	4	camarda	camarda	PROPN
fsr-3323	197	5	/	/	SYM
fsr-3323	197	6	financial	financial	ADJ
fsr-3323	197	7	services	service	NOUN
fsr-3323	197	8	review	review	VERB
fsr-3323	197	9	26	26	NUM
fsr-3323	197	10	(	(	PUNCT
fsr-3323	197	11	2017	2017	NUM
fsr-3323	197	12	)	)	PUNCT
fsr-3323	198	1	271–290	271–290	NUM
fsr-3323	198	2	issue	issue	NOUN
fsr-3323	198	3	,	,	PUNCT
fsr-3323	198	4	twice	twice	DET
fsr-3323	198	5	the	the	DET
fsr-3323	198	6	value	value	NOUN
fsr-3323	198	7	produced	produce	VERB
fsr-3323	198	8	by	by	ADP
fsr-3323	198	9	the	the	DET
fsr-3323	198	10	product	product	NOUN
fsr-3323	198	11	form	form	NOUN
fsr-3323	198	12	.	.	PUNCT
fsr-3323	199	1	this	this	PRON
fsr-3323	199	2	seems	seem	VERB
fsr-3323	199	3	intuitively	intuitively	ADV
fsr-3323	199	4	disproportionate	disproportionate	ADJ
fsr-3323	199	5	.	.	PUNCT
fsr-3323	200	1	these	these	DET
fsr-3323	200	2	subscores	subscore	NOUN
fsr-3323	200	3	are	be	AUX
fsr-3323	200	4	ascribed	ascribe	VERB
fsr-3323	200	5	to	to	ADP
fsr-3323	200	6	specific	specific	ADJ
fsr-3323	200	7	u4	u4	PROPN
fsr-3323	200	8	questions	question	NOUN
fsr-3323	200	9	as	as	SCONJ
fsr-3323	200	10	illustrated	illustrate	VERB
fsr-3323	200	11	in	in	ADP
fsr-3323	200	12	fig	fig	NOUN
fsr-3323	200	13	.	.	PUNCT
fsr-3323	201	1	2	2	NUM
fsr-3323	201	2	.	.	X
fsr-3323	201	3	7	7	NUM
fsr-3323	201	4	.	.	X
fsr-3323	201	5	descriptive	descriptive	ADJ
fsr-3323	201	6	statistics	statistic	NOUN
fsr-3323	201	7	as	as	SCONJ
fsr-3323	201	8	seen	see	VERB
fsr-3323	201	9	in	in	ADP
fsr-3323	201	10	table	table	NOUN
fsr-3323	201	11	2	2	NUM
fsr-3323	201	12	,	,	PUNCT
fsr-3323	201	13	only	only	ADV
fsr-3323	201	14	about	about	ADV
fsr-3323	201	15	12	12	NUM
fsr-3323	201	16	%	%	NOUN
fsr-3323	201	17	of	of	ADP
fsr-3323	201	18	the	the	DET
fsr-3323	201	19	florida	florida	PROPN
fsr-3323	201	20	rr	rr	PROPN
fsr-3323	201	21	population	population	NOUN
fsr-3323	201	22	holds	hold	VERB
fsr-3323	201	23	any	any	DET
fsr-3323	201	24	study	study	NOUN
fsr-3323	201	25	designation	designation	NOUN
fsr-3323	201	26	at	at	ADV
fsr-3323	201	27	all	all	ADV
fsr-3323	201	28	.	.	PUNCT
fsr-3323	202	1	of	of	ADP
fsr-3323	202	2	those	those	PRON
fsr-3323	202	3	that	that	PRON
fsr-3323	202	4	do	do	VERB
fsr-3323	202	5	,	,	PUNCT
fsr-3323	202	6	cfps	cfps	NOUN
fsr-3323	202	7	are	be	AUX
fsr-3323	202	8	by	by	ADP
fsr-3323	202	9	far	far	ADV
fsr-3323	202	10	the	the	DET
fsr-3323	202	11	most	most	ADV
fsr-3323	202	12	numerous	numerous	ADJ
fsr-3323	202	13	,	,	PUNCT
fsr-3323	202	14	with	with	ADP
fsr-3323	202	15	less	less	ADJ
fsr-3323	202	16	than	than	ADP
fsr-3323	202	17	half	half	DET
fsr-3323	202	18	as	as	ADV
fsr-3323	202	19	many	many	ADJ
fsr-3323	202	20	chfcs	chfc	NOUN
fsr-3323	202	21	,	,	PUNCT
fsr-3323	202	22	and	and	CCONJ
fsr-3323	202	23	with	with	SCONJ
fsr-3323	202	24	the	the	DET
fsr-3323	202	25	cfa	cfa	PROPN
fsr-3323	202	26	barely	barely	ADV
fsr-3323	202	27	represented	represent	VERB
fsr-3323	202	28	.	.	PUNCT
fsr-3323	203	1	the	the	DET
fsr-3323	203	2	study	study	NOUN
fsr-3323	203	3	population	population	NOUN
fsr-3323	203	4	is	be	AUX
fsr-3323	203	5	overwhelmingly	overwhelmingly	ADV
fsr-3323	203	6	male	male	ADJ
fsr-3323	203	7	,	,	PUNCT
fsr-3323	203	8	mostly	mostly	ADV
fsr-3323	203	9	employee	employee	NOUN
fsr-3323	203	10	,	,	PUNCT
fsr-3323	203	11	with	with	ADP
fsr-3323	203	12	over	over	ADP
fsr-3323	203	13	half	half	NOUN
fsr-3323	203	14	holding	hold	VERB
fsr-3323	203	15	insurance	insurance	NOUN
fsr-3323	203	16	licenses	license	NOUN
fsr-3323	203	17	and	and	CCONJ
fsr-3323	203	18	iar	iar	PROPN
fsr-3323	203	19	registrations	registration	NOUN
fsr-3323	203	20	.	.	PUNCT
fsr-3323	204	1	table	table	NOUN
fsr-3323	204	2	1	1	NUM
fsr-3323	204	3	dis	dis	NOUN
fsr-3323	204	4	subscores	subscore	NOUN
fsr-3323	204	5	as	as	ADP
fsr-3323	204	6	function	function	NOUN
fsr-3323	204	7	of	of	ADP
fsr-3323	204	8	condition	condition	NOUN
fsr-3323	204	9	combinations	combination	NOUN
fsr-3323	204	10	and	and	CCONJ
fsr-3323	204	11	product	product	NOUN
fsr-3323	204	12	form	form	NOUN
fsr-3323	204	13	dis	dis	PROPN
fsr-3323	204	14	subscore	subscore	ADJ
fsr-3323	204	15	condition	condition	NOUN
fsr-3323	204	16	combination	combination	NOUN
fsr-3323	204	17	condition	condition	NOUN
fsr-3323	204	18	1	1	NUM
fsr-3323	204	19	or	or	CCONJ
fsr-3323	204	20	2	2	NUM
fsr-3323	204	21	condition	condition	NOUN
fsr-3323	204	22	3	3	NUM
fsr-3323	204	23	or	or	CCONJ
fsr-3323	204	24	4	4	NUM
fsr-3323	204	25	dis	dis	NOUN
fsr-3323	204	26	question	question	NOUN
fsr-3323	204	27	subscore	subscore	ADJ
fsr-3323	204	28	as	as	ADP
fsr-3323	204	29	product	product	NOUN
fsr-3323	204	30	of	of	ADP
fsr-3323	204	31	factors	factor	NOUN
fsr-3323	204	32	1,3	1,3	NUM
fsr-3323	204	33	not	not	PART
fsr-3323	204	34	investment	investment	NOUN
fsr-3323	204	35	/	/	SYM
fsr-3323	204	36	theft	theft	NOUN
fsr-3323	204	37	specific	specific	NOUN
fsr-3323	204	38	no	no	DET
fsr-3323	204	39	clear	clear	ADJ
fsr-3323	204	40	indication	indication	NOUN
fsr-3323	204	41	culpability	culpability	NOUN
fsr-3323	204	42	1	1	NUM
fsr-3323	204	43	1,4	1,4	NUM
fsr-3323	204	44	not	not	PART
fsr-3323	204	45	investment	investment	NOUN
fsr-3323	204	46	/	/	SYM
fsr-3323	204	47	theft	theft	NOUN
fsr-3323	204	48	specific	specific	ADJ
fsr-3323	204	49	clear	clear	ADJ
fsr-3323	204	50	indication	indication	NOUN
fsr-3323	204	51	culpability	culpability	NOUN
fsr-3323	204	52	2	2	NUM
fsr-3323	204	53	2,3	2,3	NUM
fsr-3323	204	54	investment	investment	NOUN
fsr-3323	204	55	/	/	SYM
fsr-3323	204	56	theft	theft	NOUN
fsr-3323	204	57	specific	specific	NOUN
fsr-3323	204	58	no	no	DET
fsr-3323	204	59	clear	clear	ADJ
fsr-3323	204	60	indication	indication	NOUN
fsr-3323	204	61	culpability	culpability	NOUN
fsr-3323	204	62	2	2	NUM
fsr-3323	204	63	2,4	2,4	NUM
fsr-3323	204	64	investment	investment	NOUN
fsr-3323	204	65	/	/	SYM
fsr-3323	204	66	theft	theft	NOUN
fsr-3323	204	67	specific	specific	ADJ
fsr-3323	204	68	clear	clear	ADJ
fsr-3323	204	69	indication	indication	NOUN
fsr-3323	204	70	culpability	culpability	NOUN
fsr-3323	204	71	4	4	NUM
fsr-3323	204	72	dis	dis	PROPN
fsr-3323	204	73	�	�	PROPN
fsr-3323	204	74	disclosure	disclosure	NOUN
fsr-3323	204	75	incidence	incidence	NOUN
fsr-3323	204	76	score	score	NOUN
fsr-3323	204	77	.	.	PUNCT
fsr-3323	205	1	fig	fig	NOUN
fsr-3323	205	2	.	.	PUNCT
fsr-3323	206	1	2	2	X
fsr-3323	206	2	.	.	X
fsr-3323	206	3	dis	dis	PROPN
fsr-3323	206	4	subscoring	subscore	VERB
fsr-3323	206	5	of	of	ADP
fsr-3323	206	6	u4	u4	PROPN
fsr-3323	206	7	questions	question	NOUN
fsr-3323	206	8	.	.	PUNCT
fsr-3323	207	1	279j.m	279j.m	X
fsr-3323	207	2	.	.	PUNCT
fsr-3323	207	3	camarda	camarda	PROPN
fsr-3323	207	4	/	/	SYM
fsr-3323	207	5	financial	financial	ADJ
fsr-3323	207	6	services	service	NOUN
fsr-3323	207	7	review	review	VERB
fsr-3323	207	8	26	26	NUM
fsr-3323	207	9	(	(	PUNCT
fsr-3323	207	10	2017	2017	NUM
fsr-3323	207	11	)	)	PUNCT
fsr-3323	207	12	271–290	271–290	NUM
fsr-3323	207	13	of	of	ADP
fsr-3323	207	14	note	note	NOUN
fsr-3323	207	15	in	in	ADP
fsr-3323	207	16	table	table	NOUN
fsr-3323	207	17	3	3	NUM
fsr-3323	207	18	,	,	PUNCT
fsr-3323	207	19	non	non	ADJ
fsr-3323	207	20	-	-	ADJ
fsr-3323	207	21	cfa	cfa	ADJ
fsr-3323	207	22	designees	designee	NOUN
fsr-3323	207	23	tend	tend	VERB
fsr-3323	207	24	to	to	PART
fsr-3323	207	25	be	be	AUX
fsr-3323	207	26	older	old	ADJ
fsr-3323	207	27	and	and	CCONJ
fsr-3323	207	28	longer	long	ADV
fsr-3323	207	29	-	-	PUNCT
fsr-3323	207	30	registered	register	VERB
fsr-3323	207	31	than	than	ADP
fsr-3323	207	32	other	other	ADJ
fsr-3323	207	33	non	non	NOUN
fsr-3323	207	34	-	-	NOUN
fsr-3323	207	35	designees	designee	NOUN
fsr-3323	207	36	.	.	PUNCT
fsr-3323	208	1	this	this	PRON
fsr-3323	208	2	is	be	AUX
fsr-3323	208	3	also	also	ADV
fsr-3323	208	4	true	true	ADJ
fsr-3323	208	5	for	for	ADP
fsr-3323	208	6	insurance	insurance	NOUN
fsr-3323	208	7	licensees	licensee	NOUN
fsr-3323	208	8	and	and	CCONJ
fsr-3323	208	9	somewhat	somewhat	ADV
fsr-3323	208	10	true	true	ADJ
fsr-3323	208	11	for	for	ADP
fsr-3323	208	12	independent	independent	ADJ
fsr-3323	208	13	contractors	contractor	NOUN
fsr-3323	208	14	.	.	PUNCT
fsr-3323	209	1	study	study	NOUN
fsr-3323	209	2	designees	designee	NOUN
fsr-3323	209	3	are	be	AUX
fsr-3323	209	4	predominantly	predominantly	ADV
fsr-3323	209	5	male	male	ADJ
fsr-3323	209	6	as	as	SCONJ
fsr-3323	209	7	seen	see	VERB
fsr-3323	209	8	in	in	ADP
fsr-3323	209	9	table	table	NOUN
fsr-3323	209	10	4	4	NUM
fsr-3323	209	11	,	,	PUNCT
fsr-3323	209	12	with	with	ADP
fsr-3323	209	13	designation	designation	NOUN
fsr-3323	209	14	holders	holder	NOUN
fsr-3323	209	15	over	over	ADP
fsr-3323	209	16	80	80	NUM
fsr-3323	209	17	%	%	NOUN
fsr-3323	209	18	male	male	NOUN
fsr-3323	209	19	.	.	PUNCT
fsr-3323	210	1	given	give	VERB
fsr-3323	210	2	the	the	DET
fsr-3323	210	3	sample	sample	NOUN
fsr-3323	210	4	gender	gender	NOUN
fsr-3323	210	5	distribution	distribution	NOUN
fsr-3323	210	6	from	from	ADP
fsr-3323	210	7	table	table	NOUN
fsr-3323	210	8	2	2	NUM
fsr-3323	210	9	,	,	PUNCT
fsr-3323	210	10	it	it	PRON
fsr-3323	210	11	is	be	AUX
fsr-3323	210	12	not	not	PART
fsr-3323	210	13	surprising	surprising	ADJ
fsr-3323	210	14	that	that	SCONJ
fsr-3323	210	15	all	all	DET
fsr-3323	210	16	iv	iv	NUM
fsr-3323	210	17	categories	category	NOUN
fsr-3323	210	18	are	be	AUX
fsr-3323	210	19	mostly	mostly	ADV
fsr-3323	210	20	populated	populate	VERB
fsr-3323	210	21	by	by	ADP
fsr-3323	210	22	males	male	NOUN
fsr-3323	210	23	.	.	PUNCT
fsr-3323	211	1	we	we	PRON
fsr-3323	211	2	also	also	ADV
fsr-3323	211	3	see	see	VERB
fsr-3323	211	4	in	in	ADP
fsr-3323	211	5	table	table	NOUN
fsr-3323	211	6	4	4	NUM
fsr-3323	211	7	that	that	PRON
fsr-3323	211	8	most	most	ADJ
fsr-3323	211	9	cfps	cfps	NOUN
fsr-3323	211	10	and	and	CCONJ
fsr-3323	211	11	cfas	cfas	NOUN
fsr-3323	211	12	are	be	AUX
fsr-3323	211	13	employees	employee	NOUN
fsr-3323	211	14	,	,	PUNCT
fsr-3323	211	15	but	but	CCONJ
fsr-3323	211	16	that	that	SCONJ
fsr-3323	211	17	most	most	ADJ
fsr-3323	211	18	chfcs	chfc	NOUN
fsr-3323	211	19	are	be	AUX
fsr-3323	211	20	independent	independent	ADJ
fsr-3323	211	21	contractors	contractor	NOUN
fsr-3323	211	22	.	.	PUNCT
fsr-3323	212	1	it	it	PRON
fsr-3323	212	2	is	be	AUX
fsr-3323	212	3	perhaps	perhaps	ADV
fsr-3323	212	4	not	not	PART
fsr-3323	212	5	surprising	surprising	ADJ
fsr-3323	212	6	that	that	SCONJ
fsr-3323	212	7	most	most	ADJ
fsr-3323	212	8	cfps	cfps	NOUN
fsr-3323	212	9	and	and	CCONJ
fsr-3323	212	10	chfcs	chfc	NOUN
fsr-3323	212	11	,	,	PUNCT
fsr-3323	212	12	and	and	CCONJ
fsr-3323	212	13	hence	hence	ADV
fsr-3323	212	14	most	most	ADJ
fsr-3323	212	15	designees	designee	NOUN
fsr-3323	212	16	,	,	PUNCT
fsr-3323	212	17	are	be	AUX
fsr-3323	212	18	insurance	insurance	NOUN
fsr-3323	212	19	licensed	license	VERB
fsr-3323	212	20	given	give	VERB
fsr-3323	212	21	these	these	DET
fsr-3323	212	22	financial	financial	ADJ
fsr-3323	212	23	planning	planning	NOUN
fsr-3323	212	24	designations	designation	NOUN
fsr-3323	212	25	include	include	VERB
fsr-3323	212	26	strong	strong	ADJ
fsr-3323	212	27	insurance	insurance	NOUN
fsr-3323	212	28	components	component	NOUN
fsr-3323	212	29	.	.	PUNCT
fsr-3323	213	1	it	it	PRON
fsr-3323	213	2	was	be	AUX
fsr-3323	213	3	unexpected	unexpected	ADJ
fsr-3323	213	4	that	that	SCONJ
fsr-3323	213	5	over	over	ADP
fsr-3323	213	6	half	half	NOUN
fsr-3323	213	7	of	of	ADP
fsr-3323	213	8	cfas	cfas	NOUN
fsr-3323	213	9	are	be	AUX
fsr-3323	213	10	licensed	license	VERB
fsr-3323	213	11	to	to	PART
fsr-3323	213	12	sell	sell	VERB
fsr-3323	213	13	life	life	NOUN
fsr-3323	213	14	insurance	insurance	NOUN
fsr-3323	213	15	,	,	PUNCT
fsr-3323	213	16	but	but	CCONJ
fsr-3323	213	17	this	this	PRON
fsr-3323	213	18	does	do	AUX
fsr-3323	213	19	underscore	underscore	VERB
fsr-3323	213	20	the	the	DET
fsr-3323	213	21	study	study	NOUN
fsr-3323	213	22	model	model	NOUN
fsr-3323	213	23	’s	’s	PART
fsr-3323	213	24	utility	utility	NOUN
fsr-3323	213	25	in	in	ADP
fsr-3323	213	26	identifying	identify	VERB
fsr-3323	213	27	cfas	cfas	NOUN
fsr-3323	213	28	who	who	PRON
fsr-3323	213	29	play	play	VERB
fsr-3323	213	30	retail	retail	ADJ
fsr-3323	213	31	advisory	advisory	ADJ
fsr-3323	213	32	roles	role	NOUN
fsr-3323	213	33	,	,	PUNCT
fsr-3323	213	34	and	and	CCONJ
fsr-3323	213	35	who	who	PRON
fsr-3323	213	36	are	be	AUX
fsr-3323	213	37	perhaps	perhaps	ADV
fsr-3323	213	38	required	require	VERB
fsr-3323	213	39	to	to	PART
fsr-3323	213	40	be	be	AUX
fsr-3323	213	41	licensed	license	VERB
fsr-3323	213	42	to	to	PART
fsr-3323	213	43	sell	sell	VERB
fsr-3323	213	44	these	these	DET
fsr-3323	213	45	products	product	NOUN
fsr-3323	213	46	.	.	PUNCT
fsr-3323	214	1	table	table	NOUN
fsr-3323	214	2	4	4	NUM
fsr-3323	214	3	also	also	ADV
fsr-3323	214	4	reveals	reveal	VERB
fsr-3323	214	5	that	that	SCONJ
fsr-3323	214	6	most	most	ADJ
fsr-3323	214	7	independent	independent	ADJ
fsr-3323	214	8	table	table	NOUN
fsr-3323	214	9	2	2	NUM
fsr-3323	214	10	independent	independent	ADJ
fsr-3323	214	11	variables	variable	NOUN
fsr-3323	214	12	counts	count	NOUN
fsr-3323	214	13	and	and	CCONJ
fsr-3323	214	14	sample	sample	NOUN
fsr-3323	214	15	weights	weight	VERB
fsr-3323	214	16	independent	independent	ADJ
fsr-3323	214	17	variable	variable	ADJ
fsr-3323	214	18	count	count	NOUN
fsr-3323	214	19	in	in	ADP
fsr-3323	214	20	26,667	26,667	NUM
fsr-3323	214	21	sample	sample	NOUN
fsr-3323	214	22	percent	percent	NOUN
fsr-3323	214	23	of	of	ADP
fsr-3323	214	24	sample	sample	NOUN
fsr-3323	214	25	holds	hold	VERB
fsr-3323	214	26	at	at	ADV
fsr-3323	214	27	least	least	ADJ
fsr-3323	214	28	one	one	NUM
fsr-3323	214	29	of	of	ADP
fsr-3323	214	30	any	any	DET
fsr-3323	214	31	designation	designation	NOUN
fsr-3323	214	32	3,197	3,197	NUM
fsr-3323	214	33	12.00	12.00	NUM
fsr-3323	214	34	%	%	NOUN
fsr-3323	214	35	holds	hold	VERB
fsr-3323	214	36	cfp	cfp	PROPN
fsr-3323	214	37	2,534	2,534	NUM
fsr-3323	214	38	9.50	9.50	NUM
fsr-3323	214	39	%	%	NOUN
fsr-3323	214	40	holds	hold	VERB
fsr-3323	214	41	chfc	chfc	NOUN
fsr-3323	214	42	970	970	NUM
fsr-3323	214	43	3.60	3.60	NUM
fsr-3323	214	44	%	%	NOUN
fsr-3323	214	45	holds	hold	VERB
fsr-3323	214	46	cfa	cfa	PROPN
fsr-3323	214	47	116	116	NUM
fsr-3323	214	48	0.40	0.40	NUM
fsr-3323	214	49	%	%	NOUN
fsr-3323	214	50	male	male	NOUN
fsr-3323	214	51	19,815	19,815	NUM
fsr-3323	214	52	74.30	74.30	NUM
fsr-3323	214	53	%	%	NOUN
fsr-3323	214	54	female	female	ADJ
fsr-3323	214	55	6,852	6,852	NUM
fsr-3323	214	56	25.70	25.70	NUM
fsr-3323	214	57	%	%	NOUN
fsr-3323	214	58	employee	employee	NOUN
fsr-3323	214	59	16,871	16,871	NUM
fsr-3323	214	60	63.30	63.30	NUM
fsr-3323	214	61	%	%	NOUN
fsr-3323	214	62	independent	independent	ADJ
fsr-3323	214	63	contractor	contractor	NOUN
fsr-3323	214	64	9,796	9,796	NUM
fsr-3323	214	65	36.70	36.70	NUM
fsr-3323	214	66	%	%	NOUN
fsr-3323	214	67	dually	dually	ADV
fsr-3323	214	68	licensed	license	VERB
fsr-3323	214	69	as	as	ADP
fsr-3323	214	70	rr	rr	PROPN
fsr-3323	214	71	and	and	CCONJ
fsr-3323	214	72	iar	iar	PROPN
fsr-3323	214	73	14,964	14,964	NUM
fsr-3323	214	74	56.10	56.10	NUM
fsr-3323	214	75	%	%	NOUN
fsr-3323	214	76	holds	hold	VERB
fsr-3323	214	77	life	life	NOUN
fsr-3323	214	78	insurances	insurance	NOUN
fsr-3323	214	79	/	/	SYM
fsr-3323	214	80	annuities	annuity	NOUN
fsr-3323	214	81	license	license	VERB
fsr-3323	214	82	15,324	15,324	NUM
fsr-3323	214	83	57.50	57.50	NUM
fsr-3323	214	84	%	%	NOUN
fsr-3323	214	85	cfp	cfp	PROPN
fsr-3323	214	86	�	�	PROPN
fsr-3323	214	87	certified	certify	VERB
fsr-3323	214	88	financial	financial	ADJ
fsr-3323	214	89	planner	planner	NOUN
fsr-3323	214	90	;	;	PUNCT
fsr-3323	214	91	chfc	chfc	PROPN
fsr-3323	214	92	�	�	PROPN
fsr-3323	214	93	chartered	charter	VERB
fsr-3323	214	94	financial	financial	ADJ
fsr-3323	214	95	consultant	consultant	NOUN
fsr-3323	214	96	;	;	PUNCT
fsr-3323	214	97	cfa	cfa	PROPN
fsr-3323	214	98	�	�	PROPN
fsr-3323	214	99	chartered	charter	VERB
fsr-3323	214	100	financial	financial	ADJ
fsr-3323	214	101	analyst	analyst	NOUN
fsr-3323	214	102	;	;	PUNCT
fsr-3323	214	103	rr	rr	PROPN
fsr-3323	214	104	�	�	PROPN
fsr-3323	214	105	registered	register	VERB
fsr-3323	214	106	representatives	representative	NOUN
fsr-3323	214	107	;	;	PUNCT
fsr-3323	214	108	iar	iar	PROPN
fsr-3323	214	109	�	�	PROPN
fsr-3323	214	110	investment	investment	PROPN
fsr-3323	214	111	advisor	advisor	NOUN
fsr-3323	214	112	representatives	representative	NOUN
fsr-3323	214	113	.	.	PUNCT
fsr-3323	215	1	table	table	NOUN
fsr-3323	215	2	3	3	NUM
fsr-3323	215	3	mean	mean	NOUN
fsr-3323	215	4	ages	age	NOUN
fsr-3323	215	5	and	and	CCONJ
fsr-3323	215	6	years	year	NOUN
fsr-3323	215	7	registered	register	VERB
fsr-3323	215	8	by	by	ADP
fsr-3323	215	9	independent	independent	ADJ
fsr-3323	215	10	variable	variable	ADJ
fsr-3323	215	11	and	and	CCONJ
fsr-3323	215	12	individual	individual	ADJ
fsr-3323	215	13	designations	designation	NOUN
fsr-3323	215	14	independent	independent	ADJ
fsr-3323	215	15	variable	variable	ADJ
fsr-3323	215	16	�	�	PROPN
fsr-3323	215	17	age	age	NOUN
fsr-3323	215	18	�	�	PROPN
fsr-3323	215	19	years	year	NOUN
fsr-3323	215	20	registered	register	VERB
fsr-3323	215	21	any	any	DET
fsr-3323	215	22	designation	designation	NOUN
fsr-3323	215	23	51	51	NUM
fsr-3323	215	24	23	23	NUM
fsr-3323	215	25	no	no	DET
fsr-3323	215	26	designation	designation	NOUN
fsr-3323	215	27	42	42	NUM
fsr-3323	215	28	10	10	NUM
fsr-3323	215	29	cfp	cfp	NOUN
fsr-3323	215	30	53	53	NUM
fsr-3323	215	31	22	22	NUM
fsr-3323	215	32	non	non	ADJ
fsr-3323	215	33	-	-	NOUN
fsr-3323	215	34	cfp	cfp	ADJ
fsr-3323	215	35	47	47	NUM
fsr-3323	215	36	15	15	NUM
fsr-3323	215	37	chfc	chfc	NOUN
fsr-3323	215	38	57	57	NUM
fsr-3323	215	39	26	26	NUM
fsr-3323	215	40	non	non	ADJ
fsr-3323	215	41	-	-	ADJ
fsr-3323	215	42	chfc	chfc	ADJ
fsr-3323	215	43	47	47	NUM
fsr-3323	215	44	15	15	NUM
fsr-3323	215	45	cfa	cfa	NOUN
fsr-3323	215	46	48	48	NUM
fsr-3323	215	47	18	18	NUM
fsr-3323	215	48	non	non	ADJ
fsr-3323	215	49	-	-	ADJ
fsr-3323	215	50	cfa	cfa	ADJ
fsr-3323	215	51	48	48	NUM
fsr-3323	215	52	15	15	NUM
fsr-3323	215	53	male	male	NOUN
fsr-3323	215	54	48	48	NUM
fsr-3323	215	55	16	16	NUM
fsr-3323	215	56	female	female	NOUN
fsr-3323	215	57	47	47	NUM
fsr-3323	215	58	13	13	NUM
fsr-3323	215	59	independent	independent	ADJ
fsr-3323	215	60	contractor	contractor	NOUN
fsr-3323	215	61	52	52	NUM
fsr-3323	215	62	17	17	NUM
fsr-3323	215	63	employee	employee	NOUN
fsr-3323	215	64	45	45	NUM
fsr-3323	215	65	14	14	NUM
fsr-3323	215	66	iar	iar	PROPN
fsr-3323	215	67	48	48	NUM
fsr-3323	215	68	17	17	NUM
fsr-3323	215	69	non	non	ADJ
fsr-3323	215	70	-	-	ADJ
fsr-3323	215	71	iar	iar	ADJ
fsr-3323	215	72	48	48	NUM
fsr-3323	215	73	14	14	NUM
fsr-3323	215	74	insurance	insurance	NOUN
fsr-3323	215	75	license	license	NOUN
fsr-3323	215	76	52	52	NUM
fsr-3323	215	77	19	19	NUM
fsr-3323	215	78	no	no	DET
fsr-3323	215	79	insurance	insurance	NOUN
fsr-3323	215	80	license	license	NOUN
fsr-3323	215	81	42	42	NUM
fsr-3323	215	82	10	10	NUM
fsr-3323	215	83	cfp	cfp	PROPN
fsr-3323	215	84	�	�	PROPN
fsr-3323	215	85	certified	certify	VERB
fsr-3323	215	86	financial	financial	ADJ
fsr-3323	215	87	planner	planner	NOUN
fsr-3323	215	88	;	;	PUNCT
fsr-3323	215	89	chfc	chfc	PROPN
fsr-3323	215	90	�	�	PROPN
fsr-3323	215	91	chartered	charter	VERB
fsr-3323	215	92	financial	financial	ADJ
fsr-3323	215	93	consultant	consultant	NOUN
fsr-3323	215	94	;	;	PUNCT
fsr-3323	215	95	cfa	cfa	PROPN
fsr-3323	215	96	�	�	PROPN
fsr-3323	215	97	chartered	charter	VERB
fsr-3323	215	98	financial	financial	ADJ
fsr-3323	215	99	analyst	analyst	NOUN
fsr-3323	215	100	;	;	PUNCT
fsr-3323	215	101	iar	iar	PROPN
fsr-3323	215	102	�	�	PROPN
fsr-3323	215	103	investment	investment	PROPN
fsr-3323	215	104	advisor	advisor	NOUN
fsr-3323	215	105	representatives	representative	NOUN
fsr-3323	215	106	.	.	PUNCT
fsr-3323	216	1	280	280	NUM
fsr-3323	216	2	j.m	j.m	PROPN
fsr-3323	216	3	.	.	PROPN
fsr-3323	216	4	camarda	camarda	PROPN
fsr-3323	216	5	/	/	SYM
fsr-3323	216	6	financial	financial	ADJ
fsr-3323	216	7	services	service	NOUN
fsr-3323	216	8	review	review	VERB
fsr-3323	216	9	26	26	NUM
fsr-3323	216	10	(	(	PUNCT
fsr-3323	216	11	2017	2017	NUM
fsr-3323	216	12	)	)	PUNCT
fsr-3323	216	13	271–290	271–290	NUM
fsr-3323	216	14	contractors	contractor	NOUN
fsr-3323	216	15	are	be	AUX
fsr-3323	216	16	insurance	insurance	NOUN
fsr-3323	216	17	licensed	license	VERB
fsr-3323	216	18	,	,	PUNCT
fsr-3323	216	19	and	and	CCONJ
fsr-3323	216	20	that	that	SCONJ
fsr-3323	216	21	a	a	DET
fsr-3323	216	22	slight	slight	ADJ
fsr-3323	216	23	majority	majority	NOUN
fsr-3323	216	24	of	of	ADP
fsr-3323	216	25	all	all	DET
fsr-3323	216	26	rrs	rrs	NOUN
fsr-3323	216	27	are	be	AUX
fsr-3323	216	28	also	also	ADV
fsr-3323	216	29	registered	register	VERB
fsr-3323	216	30	as	as	ADP
fsr-3323	216	31	fiduciary	fiduciary	ADJ
fsr-3323	216	32	iars	iar	NOUN
fsr-3323	216	33	,	,	PUNCT
fsr-3323	216	34	with	with	SCONJ
fsr-3323	216	35	this	this	DET
fsr-3323	216	36	tendency	tendency	NOUN
fsr-3323	216	37	substantially	substantially	ADV
fsr-3323	216	38	increased	increase	VERB
fsr-3323	216	39	for	for	ADP
fsr-3323	216	40	designees	designee	NOUN
fsr-3323	216	41	,	,	PUNCT
fsr-3323	216	42	particularly	particularly	ADV
fsr-3323	216	43	cfps	cfps	NOUN
fsr-3323	216	44	and	and	CCONJ
fsr-3323	216	45	cfas	cfas	NOUN
fsr-3323	216	46	.	.	PUNCT
fsr-3323	217	1	rr	rr	PROPN
fsr-3323	217	2	/	/	SYM
fsr-3323	217	3	iars	iar	NOUN
fsr-3323	217	4	tend	tend	VERB
fsr-3323	217	5	to	to	PART
fsr-3323	217	6	be	be	AUX
fsr-3323	217	7	employees	employee	NOUN
fsr-3323	217	8	.	.	PUNCT
fsr-3323	218	1	finally	finally	ADV
fsr-3323	218	2	,	,	PUNCT
fsr-3323	218	3	table	table	NOUN
fsr-3323	218	4	4	4	NUM
fsr-3323	218	5	also	also	ADV
fsr-3323	218	6	shows	show	VERB
fsr-3323	218	7	there	there	PRON
fsr-3323	218	8	’s	’	VERB
fsr-3323	218	9	a	a	DET
fsr-3323	218	10	tendency	tendency	NOUN
fsr-3323	218	11	for	for	SCONJ
fsr-3323	218	12	rrs	rrs	NOUN
fsr-3323	218	13	to	to	PART
fsr-3323	218	14	also	also	ADV
fsr-3323	218	15	be	be	AUX
fsr-3323	218	16	licensed	license	VERB
fsr-3323	218	17	as	as	ADP
fsr-3323	218	18	fiduciary	fiduciary	ADJ
fsr-3323	218	19	investment	investment	NOUN
fsr-3323	218	20	advisors	advisor	NOUN
fsr-3323	218	21	and	and	CCONJ
fsr-3323	218	22	to	to	PART
fsr-3323	218	23	sell	sell	VERB
fsr-3323	218	24	commissionable	commissionable	ADJ
fsr-3323	218	25	life	life	NOUN
fsr-3323	218	26	insurance	insurance	NOUN
fsr-3323	218	27	as	as	ADV
fsr-3323	218	28	well	well	ADV
fsr-3323	218	29	as	as	ADP
fsr-3323	218	30	commissionable	commissionable	ADJ
fsr-3323	218	31	securities	security	NOUN
fsr-3323	218	32	as	as	ADP
fsr-3323	218	33	rrs	rrs	PROPN
fsr-3323	218	34	.	.	PUNCT
fsr-3323	219	1	average	average	ADJ
fsr-3323	219	2	misconduct	misconduct	NOUN
fsr-3323	219	3	scores	score	NOUN
fsr-3323	219	4	for	for	ADP
fsr-3323	219	5	the	the	DET
fsr-3323	219	6	sample	sample	NOUN
fsr-3323	219	7	and	and	CCONJ
fsr-3323	219	8	by	by	ADP
fsr-3323	219	9	independent	independent	ADJ
fsr-3323	219	10	variable	variable	NOUN
fsr-3323	219	11	are	be	AUX
fsr-3323	219	12	reviewed	review	VERB
fsr-3323	219	13	in	in	ADP
fsr-3323	219	14	table	table	NOUN
fsr-3323	219	15	5	5	NUM
fsr-3323	219	16	.	.	PUNCT
fsr-3323	220	1	it	it	PRON
fsr-3323	220	2	should	should	AUX
fsr-3323	220	3	be	be	AUX
fsr-3323	220	4	noted	note	VERB
fsr-3323	220	5	that	that	SCONJ
fsr-3323	220	6	the	the	DET
fsr-3323	220	7	heavy	heavy	ADJ
fsr-3323	220	8	skewness	skewness	NOUN
fsr-3323	220	9	of	of	ADP
fsr-3323	220	10	the	the	DET
fsr-3323	220	11	discrete	discrete	ADJ
fsr-3323	220	12	dvs	dvs	NOUN
fsr-3323	220	13	toward	toward	ADP
fsr-3323	220	14	the	the	DET
fsr-3323	220	15	zero	zero	NUM
fsr-3323	220	16	bound	bind	VERB
fsr-3323	220	17	of	of	ADP
fsr-3323	220	18	the	the	DET
fsr-3323	220	19	distributions	distribution	NOUN
fsr-3323	220	20	limits	limit	VERB
fsr-3323	220	21	the	the	DET
fsr-3323	220	22	interpretative	interpretative	ADJ
fsr-3323	220	23	value	value	NOUN
fsr-3323	220	24	of	of	ADP
fsr-3323	220	25	these	these	DET
fsr-3323	220	26	means	mean	NOUN
fsr-3323	220	27	.	.	PUNCT
fsr-3323	221	1	an	an	DET
fsr-3323	221	2	alternative	alternative	ADJ
fsr-3323	221	3	perspective	perspective	NOUN
fsr-3323	221	4	is	be	AUX
fsr-3323	221	5	offered	offer	VERB
fsr-3323	221	6	by	by	ADP
fsr-3323	221	7	the	the	DET
fsr-3323	221	8	means	mean	NOUN
fsr-3323	221	9	of	of	ADP
fsr-3323	221	10	the	the	DET
fsr-3323	221	11	binary	binary	PROPN
fsr-3323	221	12	dvs	dvs	NOUN
fsr-3323	221	13	that	that	PRON
fsr-3323	221	14	report	report	VERB
fsr-3323	221	15	the	the	DET
fsr-3323	221	16	percentage	percentage	NOUN
fsr-3323	221	17	of	of	ADP
fsr-3323	221	18	subsample	subsample	ADJ
fsr-3323	221	19	disclosing	disclose	VERB
fsr-3323	221	20	misconduct	misconduct	NOUN
fsr-3323	221	21	by	by	ADP
fsr-3323	221	22	dv	dv	PROPN
fsr-3323	221	23	,	,	PUNCT
fsr-3323	221	24	without	without	ADP
fsr-3323	221	25	magnitude	magnitude	NOUN
fsr-3323	221	26	.	.	PUNCT
fsr-3323	222	1	it	it	PRON
fsr-3323	222	2	seems	seem	VERB
fsr-3323	222	3	noteworthy	noteworthy	ADJ
fsr-3323	222	4	that	that	SCONJ
fsr-3323	222	5	scores	score	NOUN
fsr-3323	222	6	and	and	CCONJ
fsr-3323	222	7	percentage	percentage	NOUN
fsr-3323	222	8	misconduct	misconduct	NOUN
fsr-3323	222	9	uniformly	uniformly	ADV
fsr-3323	222	10	rise	rise	VERB
fsr-3323	222	11	for	for	ADP
fsr-3323	222	12	the	the	DET
fsr-3323	222	13	cfp	cfp	PROPN
fsr-3323	222	14	and	and	CCONJ
fsr-3323	222	15	chfc	chfc	NOUN
fsr-3323	222	16	designations	designation	NOUN
fsr-3323	222	17	,	,	PUNCT
fsr-3323	222	18	but	but	CCONJ
fsr-3323	222	19	that	that	SCONJ
fsr-3323	222	20	the	the	DET
fsr-3323	222	21	opposite	opposite	NOUN
fsr-3323	222	22	is	be	AUX
fsr-3323	222	23	observed	observe	VERB
fsr-3323	222	24	for	for	ADP
fsr-3323	222	25	cfas	cfas	NOUN
fsr-3323	222	26	.	.	PUNCT
fsr-3323	223	1	in	in	ADP
fsr-3323	223	2	other	other	ADJ
fsr-3323	223	3	words	word	NOUN
fsr-3323	223	4	,	,	PUNCT
fsr-3323	223	5	cfps	cfps	NOUN
fsr-3323	223	6	and	and	CCONJ
fsr-3323	223	7	chfcs	chfc	NOUN
fsr-3323	223	8	,	,	PUNCT
fsr-3323	223	9	respectively	respectively	ADV
fsr-3323	223	10	show	show	VERB
fsr-3323	223	11	higher	high	ADJ
fsr-3323	223	12	misconduct	misconduct	NOUN
fsr-3323	223	13	than	than	ADP
fsr-3323	223	14	non	non	ADJ
fsr-3323	223	15	-	-	NOUN
fsr-3323	223	16	cfps	cfps	ADJ
fsr-3323	223	17	and	and	CCONJ
fsr-3323	223	18	non	non	NOUN
fsr-3323	223	19	-	-	NOUN
fsr-3323	223	20	chfcs	chfc	NOUN
fsr-3323	223	21	,	,	PUNCT
fsr-3323	223	22	and	and	CCONJ
fsr-3323	223	23	the	the	DET
fsr-3323	223	24	percentages	percentage	NOUN
fsr-3323	223	25	of	of	ADP
fsr-3323	223	26	sample	sample	NOUN
fsr-3323	223	27	showing	show	VERB
fsr-3323	223	28	any	any	DET
fsr-3323	223	29	misconduct	misconduct	NOUN
fsr-3323	223	30	at	at	ADV
fsr-3323	223	31	all	all	ADV
fsr-3323	223	32	for	for	ADP
fsr-3323	223	33	each	each	DET
fsr-3323	223	34	measure	measure	NOUN
fsr-3323	223	35	is	be	AUX
fsr-3323	223	36	higher	high	ADJ
fsr-3323	223	37	for	for	ADP
fsr-3323	223	38	these	these	DET
fsr-3323	223	39	designees	designee	NOUN
fsr-3323	223	40	than	than	ADP
fsr-3323	223	41	for	for	ADP
fsr-3323	223	42	those	those	PRON
fsr-3323	223	43	without	without	ADP
fsr-3323	223	44	them	they	PRON
fsr-3323	223	45	.	.	PUNCT
fsr-3323	224	1	while	while	SCONJ
fsr-3323	224	2	these	these	DET
fsr-3323	224	3	observations	observation	NOUN
fsr-3323	224	4	are	be	AUX
fsr-3323	224	5	mitigated	mitigate	VERB
fsr-3323	224	6	somewhat	somewhat	ADV
fsr-3323	224	7	by	by	ADP
fsr-3323	224	8	regression	regression	NOUN
fsr-3323	224	9	against	against	ADP
fsr-3323	224	10	control	control	PROPN
fsr-3323	224	11	ivs	ivs	PROPN
fsr-3323	224	12	,	,	PUNCT
fsr-3323	224	13	it	it	PRON
fsr-3323	224	14	is	be	AUX
fsr-3323	224	15	interesting	interesting	ADJ
fsr-3323	224	16	that	that	SCONJ
fsr-3323	224	17	the	the	DET
fsr-3323	224	18	three	three	NUM
fsr-3323	224	19	designations	designation	NOUN
fsr-3323	224	20	share	share	VERB
fsr-3323	224	21	similar	similar	ADJ
fsr-3323	224	22	age	age	NOUN
fsr-3323	224	23	and	and	CCONJ
fsr-3323	224	24	gender	gender	NOUN
fsr-3323	224	25	profiles	profile	NOUN
fsr-3323	224	26	,	,	PUNCT
fsr-3323	224	27	and	and	CCONJ
fsr-3323	224	28	that	that	SCONJ
fsr-3323	224	29	gender	gender	NOUN
fsr-3323	224	30	is	be	AUX
fsr-3323	224	31	clearly	clearly	ADV
fsr-3323	224	32	the	the	DET
fsr-3323	224	33	single	single	ADJ
fsr-3323	224	34	most	most	ADV
fsr-3323	224	35	powerful	powerful	ADJ
fsr-3323	224	36	confounding	confound	VERB
fsr-3323	224	37	factor	factor	NOUN
fsr-3323	224	38	appearing	appear	VERB
fsr-3323	224	39	in	in	ADP
fsr-3323	224	40	these	these	DET
fsr-3323	224	41	descriptive	descriptive	ADJ
fsr-3323	224	42	statistics	statistic	NOUN
fsr-3323	224	43	,	,	PUNCT
fsr-3323	224	44	with	with	ADP
fsr-3323	224	45	males	male	NOUN
fsr-3323	224	46	showing	show	VERB
fsr-3323	224	47	consistently	consistently	ADV
fsr-3323	224	48	sharply	sharply	ADV
fsr-3323	224	49	higher	high	ADJ
fsr-3323	224	50	misconduct	misconduct	NOUN
fsr-3323	224	51	.	.	PUNCT
fsr-3323	225	1	besides	besides	SCONJ
fsr-3323	225	2	maleness	maleness	NOUN
fsr-3323	225	3	,	,	PUNCT
fsr-3323	225	4	iar	iar	PROPN
fsr-3323	225	5	and	and	CCONJ
fsr-3323	225	6	insurance	insurance	NOUN
fsr-3323	225	7	licensee	licensee	NOUN
fsr-3323	225	8	status	status	NOUN
fsr-3323	225	9	also	also	ADV
fsr-3323	225	10	show	show	VERB
fsr-3323	225	11	strong	strong	ADJ
fsr-3323	225	12	associations	association	NOUN
fsr-3323	225	13	with	with	ADP
fsr-3323	225	14	higher	high	ADJ
fsr-3323	225	15	misconduct	misconduct	NOUN
fsr-3323	225	16	.	.	PUNCT
fsr-3323	226	1	8	8	X
fsr-3323	226	2	.	.	PUNCT
fsr-3323	226	3	test	test	NOUN
fsr-3323	226	4	hypotheses	hypothese	VERB
fsr-3323	226	5	the	the	DET
fsr-3323	226	6	null	null	ADJ
fsr-3323	226	7	hypothesis	hypothesis	NOUN
fsr-3323	226	8	is	be	AUX
fsr-3323	226	9	that	that	SCONJ
fsr-3323	226	10	the	the	DET
fsr-3323	226	11	study	study	NOUN
fsr-3323	226	12	misconduct	misconduct	NOUN
fsr-3323	226	13	measures	measure	NOUN
fsr-3323	226	14	are	be	AUX
fsr-3323	226	15	not	not	PART
fsr-3323	226	16	affected	affect	VERB
fsr-3323	226	17	by	by	ADP
fsr-3323	226	18	having	have	VERB
fsr-3323	226	19	any	any	DET
fsr-3323	226	20	one	one	NUM
fsr-3323	226	21	of	of	ADP
fsr-3323	226	22	the	the	DET
fsr-3323	226	23	study	study	NOUN
fsr-3323	226	24	designations	designation	NOUN
fsr-3323	226	25	,	,	PUNCT
fsr-3323	226	26	so	so	SCONJ
fsr-3323	226	27	that	that	SCONJ
fsr-3323	226	28	that	that	SCONJ
fsr-3323	226	29	there	there	PRON
fsr-3323	226	30	is	be	VERB
fsr-3323	226	31	no	no	DET
fsr-3323	226	32	disclosure	disclosure	NOUN
fsr-3323	226	33	difference	difference	NOUN
fsr-3323	226	34	associated	associate	VERB
fsr-3323	226	35	with	with	ADP
fsr-3323	226	36	table	table	NOUN
fsr-3323	226	37	4	4	NUM
fsr-3323	226	38	gender	gender	NOUN
fsr-3323	226	39	,	,	PUNCT
fsr-3323	226	40	employment	employment	NOUN
fsr-3323	226	41	,	,	PUNCT
fsr-3323	226	42	insurance	insurance	NOUN
fsr-3323	226	43	license	license	NOUN
fsr-3323	226	44	,	,	PUNCT
fsr-3323	226	45	and	and	CCONJ
fsr-3323	226	46	rr	rr	PROPN
fsr-3323	226	47	/	/	SYM
fsr-3323	226	48	iar	iar	PROPN
fsr-3323	226	49	status	status	NOUN
fsr-3323	226	50	distribution	distribution	NOUN
fsr-3323	226	51	by	by	ADP
fsr-3323	226	52	independent	independent	ADJ
fsr-3323	226	53	variable	variable	ADJ
fsr-3323	226	54	independent	independent	ADJ
fsr-3323	226	55	variable	variable	ADJ
fsr-3323	226	56	male	male	ADJ
fsr-3323	226	57	female	female	ADJ
fsr-3323	226	58	iar	iar	PROPN
fsr-3323	226	59	not	not	PART
fsr-3323	226	60	iar	iar	PROPN
fsr-3323	226	61	independent	independent	ADJ
fsr-3323	226	62	contractor	contractor	NOUN
fsr-3323	226	63	employee	employee	NOUN
fsr-3323	226	64	insurance	insurance	NOUN
fsr-3323	226	65	license	license	NOUN
fsr-3323	226	66	no	no	DET
fsr-3323	226	67	insurance	insurance	NOUN
fsr-3323	226	68	any	any	DET
fsr-3323	226	69	designation	designation	NOUN
fsr-3323	226	70	82	82	NUM
fsr-3323	226	71	%	%	NOUN
fsr-3323	226	72	18	18	NUM
fsr-3323	226	73	%	%	NOUN
fsr-3323	226	74	70	70	NUM
fsr-3323	226	75	%	%	NOUN
fsr-3323	226	76	30	30	NUM
fsr-3323	226	77	%	%	NOUN
fsr-3323	226	78	49	49	NUM
fsr-3323	226	79	%	%	NOUN
fsr-3323	226	80	51	51	NUM
fsr-3323	226	81	%	%	NOUN
fsr-3323	226	82	89	89	NUM
fsr-3323	226	83	%	%	NOUN
fsr-3323	226	84	11	11	NUM
fsr-3323	226	85	%	%	NOUN
fsr-3323	226	86	no	no	DET
fsr-3323	226	87	designation	designation	NOUN
fsr-3323	226	88	73	73	NUM
fsr-3323	226	89	%	%	NOUN
fsr-3323	226	90	27	27	NUM
fsr-3323	226	91	%	%	NOUN
fsr-3323	226	92	54	54	NUM
fsr-3323	226	93	%	%	NOUN
fsr-3323	226	94	46	46	NUM
fsr-3323	226	95	%	%	NOUN
fsr-3323	226	96	35	35	NUM
fsr-3323	226	97	%	%	NOUN
fsr-3323	226	98	65	65	NUM
fsr-3323	226	99	%	%	NOUN
fsr-3323	226	100	53	53	NUM
fsr-3323	226	101	%	%	NOUN
fsr-3323	226	102	47	47	NUM
fsr-3323	226	103	%	%	NOUN
fsr-3323	226	104	cfp	cfp	NOUN
fsr-3323	226	105	81	81	NUM
fsr-3323	226	106	%	%	NOUN
fsr-3323	226	107	19	19	NUM
fsr-3323	226	108	%	%	NOUN
fsr-3323	226	109	74	74	NUM
fsr-3323	226	110	%	%	NOUN
fsr-3323	226	111	26	26	NUM
fsr-3323	226	112	%	%	NOUN
fsr-3323	226	113	45	45	NUM
fsr-3323	226	114	%	%	NOUN
fsr-3323	226	115	55	55	NUM
fsr-3323	226	116	%	%	NOUN
fsr-3323	226	117	91	91	NUM
fsr-3323	226	118	%	%	NOUN
fsr-3323	226	119	9	9	NUM
fsr-3323	226	120	%	%	NOUN
fsr-3323	226	121	non	non	NOUN
fsr-3323	226	122	-	-	NOUN
fsr-3323	226	123	cfp	cfp	ADJ
fsr-3323	226	124	74	74	NUM
fsr-3323	226	125	%	%	NOUN
fsr-3323	226	126	26	26	NUM
fsr-3323	226	127	%	%	NOUN
fsr-3323	226	128	54	54	NUM
fsr-3323	226	129	%	%	NOUN
fsr-3323	226	130	46	46	NUM
fsr-3323	226	131	%	%	NOUN
fsr-3323	226	132	36	36	NUM
fsr-3323	226	133	%	%	NOUN
fsr-3323	226	134	64	64	NUM
fsr-3323	226	135	%	%	NOUN
fsr-3323	226	136	54	54	NUM
fsr-3323	226	137	%	%	NOUN
fsr-3323	226	138	46	46	NUM
fsr-3323	226	139	%	%	NOUN
fsr-3323	226	140	chfc	chfc	NOUN
fsr-3323	226	141	86	86	NUM
fsr-3323	226	142	%	%	NOUN
fsr-3323	226	143	14	14	NUM
fsr-3323	226	144	%	%	NOUN
fsr-3323	226	145	59	59	NUM
fsr-3323	226	146	%	%	NOUN
fsr-3323	226	147	41	41	NUM
fsr-3323	226	148	%	%	NOUN
fsr-3323	226	149	65	65	NUM
fsr-3323	226	150	%	%	NOUN
fsr-3323	226	151	35	35	NUM
fsr-3323	226	152	%	%	NOUN
fsr-3323	226	153	92	92	NUM
fsr-3323	226	154	%	%	NOUN
fsr-3323	226	155	8	8	NUM
fsr-3323	226	156	%	%	NOUN
fsr-3323	226	157	non	non	ADJ
fsr-3323	226	158	-	-	ADJ
fsr-3323	226	159	chfc	chfc	ADJ
fsr-3323	226	160	74	74	NUM
fsr-3323	226	161	%	%	NOUN
fsr-3323	226	162	26	26	NUM
fsr-3323	226	163	%	%	NOUN
fsr-3323	226	164	56	56	NUM
fsr-3323	226	165	%	%	NOUN
fsr-3323	226	166	44	44	NUM
fsr-3323	226	167	%	%	NOUN
fsr-3323	226	168	36	36	NUM
fsr-3323	226	169	%	%	NOUN
fsr-3323	226	170	64	64	NUM
fsr-3323	226	171	%	%	NOUN
fsr-3323	226	172	56	56	NUM
fsr-3323	226	173	%	%	NOUN
fsr-3323	226	174	44	44	NUM
fsr-3323	226	175	%	%	NOUN
fsr-3323	226	176	cfa	cfa	PROPN
fsr-3323	226	177	84	84	NUM
fsr-3323	226	178	%	%	NOUN
fsr-3323	226	179	16	16	NUM
fsr-3323	226	180	%	%	NOUN
fsr-3323	226	181	76	76	NUM
fsr-3323	226	182	%	%	NOUN
fsr-3323	226	183	24	24	NUM
fsr-3323	226	184	%	%	NOUN
fsr-3323	226	185	25	25	NUM
fsr-3323	226	186	%	%	NOUN
fsr-3323	226	187	75	75	NUM
fsr-3323	226	188	%	%	NOUN
fsr-3323	226	189	55	55	NUM
fsr-3323	226	190	%	%	NOUN
fsr-3323	226	191	45	45	NUM
fsr-3323	226	192	%	%	NOUN
fsr-3323	227	1	non	non	ADJ
fsr-3323	227	2	-	-	ADJ
fsr-3323	227	3	cfa	cfa	ADJ
fsr-3323	227	4	74	74	NUM
fsr-3323	227	5	%	%	NOUN
fsr-3323	227	6	26	26	NUM
fsr-3323	227	7	%	%	NOUN
fsr-3323	227	8	56	56	NUM
fsr-3323	227	9	%	%	NOUN
fsr-3323	227	10	44	44	NUM
fsr-3323	227	11	%	%	NOUN
fsr-3323	227	12	37	37	NUM
fsr-3323	227	13	%	%	NOUN
fsr-3323	227	14	63	63	NUM
fsr-3323	227	15	%	%	NOUN
fsr-3323	227	16	57	57	NUM
fsr-3323	227	17	%	%	NOUN
fsr-3323	227	18	43	43	NUM
fsr-3323	227	19	%	%	NOUN
fsr-3323	227	20	male	male	NOUN
fsr-3323	227	21	100	100	NUM
fsr-3323	227	22	%	%	NOUN
fsr-3323	227	23	0	0	NUM
fsr-3323	227	24	%	%	NOUN
fsr-3323	227	25	59	59	NUM
fsr-3323	227	26	%	%	NOUN
fsr-3323	227	27	41	41	NUM
fsr-3323	227	28	%	%	NOUN
fsr-3323	227	29	39	39	NUM
fsr-3323	227	30	%	%	NOUN
fsr-3323	227	31	61	61	NUM
fsr-3323	227	32	%	%	NOUN
fsr-3323	227	33	60	60	NUM
fsr-3323	227	34	%	%	NOUN
fsr-3323	227	35	40	40	NUM
fsr-3323	227	36	%	%	NOUN
fsr-3323	227	37	female	female	ADJ
fsr-3323	227	38	0	0	NUM
fsr-3323	227	39	%	%	NOUN
fsr-3323	227	40	100	100	NUM
fsr-3323	227	41	%	%	NOUN
fsr-3323	227	42	47	47	NUM
fsr-3323	227	43	%	%	NOUN
fsr-3323	227	44	53	53	NUM
fsr-3323	227	45	%	%	NOUN
fsr-3323	227	46	30	30	NUM
fsr-3323	227	47	%	%	NOUN
fsr-3323	227	48	70	70	NUM
fsr-3323	227	49	%	%	NOUN
fsr-3323	227	50	50	50	NUM
fsr-3323	227	51	%	%	NOUN
fsr-3323	227	52	50	50	NUM
fsr-3323	227	53	%	%	NOUN
fsr-3323	227	54	independent	independent	ADJ
fsr-3323	227	55	contractor	contractor	NOUN
fsr-3323	227	56	79	79	NUM
fsr-3323	227	57	%	%	NOUN
fsr-3323	227	58	21	21	NUM
fsr-3323	227	59	%	%	NOUN
fsr-3323	227	60	44	44	NUM
fsr-3323	227	61	%	%	NOUN
fsr-3323	227	62	56	56	NUM
fsr-3323	227	63	%	%	NOUN
fsr-3323	227	64	100	100	NUM
fsr-3323	227	65	%	%	NOUN
fsr-3323	227	66	0	0	NUM
fsr-3323	227	67	%	%	NOUN
fsr-3323	227	68	74	74	NUM
fsr-3323	227	69	%	%	NOUN
fsr-3323	227	70	26	26	NUM
fsr-3323	227	71	%	%	NOUN
fsr-3323	227	72	employee	employee	NOUN
fsr-3323	227	73	72	72	NUM
fsr-3323	227	74	%	%	NOUN
fsr-3323	227	75	37	37	NUM
fsr-3323	227	76	%	%	NOUN
fsr-3323	227	77	63	63	NUM
fsr-3323	227	78	%	%	NOUN
fsr-3323	227	79	37	37	NUM
fsr-3323	227	80	%	%	NOUN
fsr-3323	227	81	0	0	NUM
fsr-3323	227	82	%	%	NOUN
fsr-3323	227	83	100	100	NUM
fsr-3323	227	84	%	%	NOUN
fsr-3323	227	85	48	48	NUM
fsr-3323	227	86	%	%	NOUN
fsr-3323	227	87	52	52	NUM
fsr-3323	227	88	%	%	NOUN
fsr-3323	227	89	iar	iar	PROPN
fsr-3323	227	90	79	79	NUM
fsr-3323	227	91	%	%	NOUN
fsr-3323	227	92	21	21	NUM
fsr-3323	227	93	%	%	NOUN
fsr-3323	227	94	100	100	NUM
fsr-3323	227	95	%	%	NOUN
fsr-3323	227	96	0	0	NUM
fsr-3323	227	97	%	%	NOUN
fsr-3323	227	98	29	29	NUM
fsr-3323	227	99	%	%	NOUN
fsr-3323	227	100	71	71	NUM
fsr-3323	227	101	%	%	NOUN
fsr-3323	227	102	64	64	NUM
fsr-3323	227	103	%	%	NOUN
fsr-3323	227	104	36	36	NUM
fsr-3323	227	105	%	%	NOUN
fsr-3323	227	106	non	non	ADJ
fsr-3323	227	107	-	-	ADJ
fsr-3323	227	108	iar	iar	ADJ
fsr-3323	227	109	69	69	NUM
fsr-3323	227	110	%	%	NOUN
fsr-3323	227	111	31	31	NUM
fsr-3323	227	112	%	%	NOUN
fsr-3323	227	113	0	0	NUM
fsr-3323	227	114	%	%	NOUN
fsr-3323	227	115	100	100	NUM
fsr-3323	227	116	%	%	NOUN
fsr-3323	227	117	47	47	NUM
fsr-3323	227	118	%	%	NOUN
fsr-3323	227	119	53	53	NUM
fsr-3323	227	120	%	%	NOUN
fsr-3323	227	121	49	49	NUM
fsr-3323	227	122	%	%	NOUN
fsr-3323	227	123	51	51	NUM
fsr-3323	227	124	%	%	NOUN
fsr-3323	227	125	insurance	insurance	NOUN
fsr-3323	227	126	license	license	NOUN
fsr-3323	227	127	78	78	NUM
fsr-3323	227	128	%	%	NOUN
fsr-3323	227	129	22	22	NUM
fsr-3323	227	130	%	%	NOUN
fsr-3323	227	131	62	62	NUM
fsr-3323	227	132	%	%	NOUN
fsr-3323	227	133	38	38	NUM
fsr-3323	227	134	%	%	NOUN
fsr-3323	227	135	47	47	NUM
fsr-3323	227	136	%	%	NOUN
fsr-3323	227	137	53	53	NUM
fsr-3323	227	138	%	%	NOUN
fsr-3323	227	139	100	100	NUM
fsr-3323	227	140	%	%	NOUN
fsr-3323	227	141	0	0	NUM
fsr-3323	227	142	%	%	NOUN
fsr-3323	227	143	no	no	DET
fsr-3323	227	144	insurance	insurance	NOUN
fsr-3323	227	145	license	license	NOUN
fsr-3323	227	146	70	70	NUM
fsr-3323	227	147	%	%	NOUN
fsr-3323	227	148	30	30	NUM
fsr-3323	227	149	%	%	NOUN
fsr-3323	227	150	48	48	NUM
fsr-3323	227	151	%	%	NOUN
fsr-3323	227	152	52	52	NUM
fsr-3323	227	153	%	%	NOUN
fsr-3323	227	154	23	23	NUM
fsr-3323	227	155	%	%	NOUN
fsr-3323	227	156	77	77	NUM
fsr-3323	227	157	%	%	NOUN
fsr-3323	227	158	0	0	NUM
fsr-3323	227	159	%	%	NOUN
fsr-3323	227	160	100	100	NUM
fsr-3323	227	161	%	%	NOUN
fsr-3323	227	162	cfp	cfp	PROPN
fsr-3323	227	163	�	�	PROPN
fsr-3323	227	164	certified	certify	VERB
fsr-3323	227	165	financial	financial	ADJ
fsr-3323	227	166	planner	planner	NOUN
fsr-3323	227	167	;	;	PUNCT
fsr-3323	227	168	chfc	chfc	PROPN
fsr-3323	227	169	�	�	PROPN
fsr-3323	227	170	chartered	charter	VERB
fsr-3323	227	171	financial	financial	ADJ
fsr-3323	227	172	consultant	consultant	NOUN
fsr-3323	227	173	;	;	PUNCT
fsr-3323	227	174	cfa	cfa	PROPN
fsr-3323	227	175	�	�	PROPN
fsr-3323	227	176	chartered	charter	VERB
fsr-3323	227	177	financial	financial	ADJ
fsr-3323	227	178	analyst	analyst	NOUN
fsr-3323	227	179	;	;	PUNCT
fsr-3323	227	180	rr	rr	PROPN
fsr-3323	227	181	�	�	PROPN
fsr-3323	227	182	registered	register	VERB
fsr-3323	227	183	representatives	representative	NOUN
fsr-3323	227	184	;	;	PUNCT
fsr-3323	227	185	iar	iar	PROPN
fsr-3323	227	186	�	�	PROPN
fsr-3323	227	187	investment	investment	PROPN
fsr-3323	227	188	advisor	advisor	NOUN
fsr-3323	227	189	representatives	representative	NOUN
fsr-3323	227	190	.	.	PUNCT
fsr-3323	228	1	281j.m	281j.m	X
fsr-3323	228	2	.	.	PUNCT
fsr-3323	228	3	camarda	camarda	PROPN
fsr-3323	228	4	/	/	SYM
fsr-3323	228	5	financial	financial	ADJ
fsr-3323	228	6	services	service	NOUN
fsr-3323	228	7	review	review	VERB
fsr-3323	228	8	26	26	NUM
fsr-3323	228	9	(	(	PUNCT
fsr-3323	228	10	2017	2017	NUM
fsr-3323	228	11	)	)	PUNCT
fsr-3323	228	12	271–290	271–290	NUM
fsr-3323	229	1	having	have	VERB
fsr-3323	229	2	any	any	DET
fsr-3323	229	3	designation	designation	NOUN
fsr-3323	229	4	compared	compare	VERB
fsr-3323	229	5	with	with	ADP
fsr-3323	229	6	having	have	VERB
fsr-3323	229	7	none	none	NOUN
fsr-3323	229	8	.	.	PUNCT
fsr-3323	230	1	the	the	DET
fsr-3323	230	2	alternate	alternate	NOUN
fsr-3323	230	3	is	be	AUX
fsr-3323	230	4	that	that	SCONJ
fsr-3323	230	5	scores	score	NOUN
fsr-3323	230	6	will	will	AUX
fsr-3323	230	7	be	be	AUX
fsr-3323	230	8	different	different	ADJ
fsr-3323	230	9	for	for	ADP
fsr-3323	230	10	holders	holder	NOUN
fsr-3323	230	11	of	of	ADP
fsr-3323	230	12	at	at	ADV
fsr-3323	230	13	least	least	ADJ
fsr-3323	230	14	one	one	NUM
fsr-3323	230	15	of	of	ADP
fsr-3323	230	16	these	these	DET
fsr-3323	230	17	designations	designation	NOUN
fsr-3323	230	18	.	.	PUNCT
fsr-3323	231	1	it	it	PRON
fsr-3323	231	2	is	be	AUX
fsr-3323	231	3	expected	expect	VERB
fsr-3323	231	4	that	that	SCONJ
fsr-3323	231	5	designated	designate	VERB
fsr-3323	231	6	rrs	rrs	PROPN
fsr-3323	231	7	should	should	AUX
fsr-3323	231	8	show	show	VERB
fsr-3323	231	9	lower	low	ADJ
fsr-3323	231	10	misconduct	misconduct	NOUN
fsr-3323	231	11	.	.	PUNCT
fsr-3323	232	1	h0	h0	PROPN
fsr-3323	232	2	:	:	PUNCT
fsr-3323	232	3	�	�	PROPN
fsr-3323	232	4	anydes	anydes	PROPN
fsr-3323	232	5	�	�	PROPN
fsr-3323	232	6	0	0	NUM
fsr-3323	232	7	h1	h1	PROPN
fsr-3323	232	8	:	:	PUNCT
fsr-3323	232	9	�	�	PROPN
fsr-3323	232	10	anydes	anydes	PROPN
fsr-3323	232	11	�	�	PROPN
fsr-3323	232	12	0	0	PUNCT
fsr-3323	233	1	the	the	DET
fsr-3323	233	2	primary	primary	ADJ
fsr-3323	233	3	regression	regression	NOUN
fsr-3323	233	4	method	method	NOUN
fsr-3323	233	5	is	be	AUX
fsr-3323	233	6	tobit	tobit	NOUN
fsr-3323	233	7	;	;	PUNCT
fsr-3323	233	8	data	datum	NOUN
fsr-3323	233	9	are	be	AUX
fsr-3323	233	10	censored	censor	VERB
fsr-3323	233	11	,	,	PUNCT
fsr-3323	233	12	with	with	ADP
fsr-3323	233	13	results	result	NOUN
fsr-3323	233	14	heavily	heavily	ADV
fsr-3323	233	15	skewed	skewed	ADJ
fsr-3323	233	16	,	,	PUNCT
fsr-3323	233	17	with	with	ADP
fsr-3323	233	18	most	most	ADJ
fsr-3323	233	19	at	at	ADP
fsr-3323	233	20	or	or	CCONJ
fsr-3323	233	21	close	close	ADJ
fsr-3323	233	22	to	to	ADP
fsr-3323	233	23	zero	zero	NUM
fsr-3323	233	24	.	.	PUNCT
fsr-3323	234	1	logit	logit	PROPN
fsr-3323	234	2	is	be	AUX
fsr-3323	234	3	the	the	DET
fsr-3323	234	4	primary	primary	NOUN
fsr-3323	234	5	,	,	PUNCT
fsr-3323	234	6	and	and	CCONJ
fsr-3323	234	7	ols	ol	NOUN
fsr-3323	234	8	a	a	DET
fsr-3323	234	9	secondary	secondary	ADJ
fsr-3323	234	10	,	,	PUNCT
fsr-3323	234	11	robustness	robustness	NOUN
fsr-3323	234	12	check	check	NOUN
fsr-3323	234	13	.	.	PUNCT
fsr-3323	235	1	the	the	DET
fsr-3323	235	2	regressions	regression	NOUN
fsr-3323	235	3	explore	explore	VERB
fsr-3323	235	4	if	if	SCONJ
fsr-3323	235	5	having	have	VERB
fsr-3323	235	6	any	any	PRON
fsr-3323	235	7	of	of	ADP
fsr-3323	235	8	the	the	DET
fsr-3323	235	9	study	study	NOUN
fsr-3323	235	10	designations	designation	NOUN
fsr-3323	235	11	is	be	AUX
fsr-3323	235	12	associated	associate	VERB
fsr-3323	235	13	with	with	ADP
fsr-3323	235	14	lower	low	ADJ
fsr-3323	235	15	misconduct	misconduct	NOUN
fsr-3323	235	16	after	after	ADP
fsr-3323	235	17	controlling	control	VERB
fsr-3323	235	18	for	for	ADP
fsr-3323	235	19	other	other	ADJ
fsr-3323	235	20	factors	factor	NOUN
fsr-3323	235	21	available	available	ADJ
fsr-3323	235	22	in	in	ADP
fsr-3323	235	23	the	the	DET
fsr-3323	235	24	dataset	dataset	NOUN
fsr-3323	235	25	,	,	PUNCT
fsr-3323	235	26	including	include	VERB
fsr-3323	235	27	those	those	PRON
fsr-3323	235	28	identified	identify	VERB
fsr-3323	235	29	in	in	ADP
fsr-3323	235	30	the	the	DET
fsr-3323	235	31	descriptive	descriptive	ADJ
fsr-3323	235	32	statistics	statistic	NOUN
fsr-3323	235	33	to	to	PART
fsr-3323	235	34	be	be	AUX
fsr-3323	235	35	associated	associate	VERB
fsr-3323	235	36	with	with	ADP
fsr-3323	235	37	higher	high	ADJ
fsr-3323	235	38	levels	level	NOUN
fsr-3323	235	39	of	of	ADP
fsr-3323	235	40	misconduct	misconduct	NOUN
fsr-3323	235	41	,	,	PUNCT
fsr-3323	235	42	such	such	ADJ
fsr-3323	235	43	as	as	ADP
fsr-3323	235	44	insurance	insurance	NOUN
fsr-3323	235	45	licensure	licensure	NOUN
fsr-3323	235	46	,	,	PUNCT
fsr-3323	235	47	iar	iar	ADJ
fsr-3323	235	48	registration	registration	NOUN
fsr-3323	235	49	,	,	PUNCT
fsr-3323	235	50	and	and	CCONJ
fsr-3323	235	51	maleness	maleness	NOUN
fsr-3323	235	52	.	.	PUNCT
fsr-3323	236	1	as	as	SCONJ
fsr-3323	236	2	noted	note	VERB
fsr-3323	236	3	,	,	PUNCT
fsr-3323	236	4	higher	high	ADJ
fsr-3323	236	5	misconduct	misconduct	NOUN
fsr-3323	236	6	scores	score	NOUN
fsr-3323	236	7	are	be	AUX
fsr-3323	236	8	generally	generally	ADV
fsr-3323	236	9	associated	associate	VERB
fsr-3323	236	10	with	with	ADP
fsr-3323	236	11	designations	designation	NOUN
fsr-3323	236	12	,	,	PUNCT
fsr-3323	236	13	the	the	DET
fsr-3323	236	14	exception	exception	NOUN
fsr-3323	236	15	being	be	AUX
fsr-3323	236	16	cfas	cfas	NOUN
fsr-3323	236	17	,	,	PUNCT
fsr-3323	236	18	which	which	PRON
fsr-3323	236	19	are	be	AUX
fsr-3323	236	20	quite	quite	ADV
fsr-3323	236	21	scarce	scarce	ADJ
fsr-3323	236	22	in	in	ADP
fsr-3323	236	23	the	the	DET
fsr-3323	236	24	sample	sample	NOUN
fsr-3323	236	25	.	.	PUNCT
fsr-3323	237	1	the	the	DET
fsr-3323	237	2	regressions	regression	NOUN
fsr-3323	237	3	seek	seek	VERB
fsr-3323	237	4	to	to	PART
fsr-3323	237	5	unbundle	unbundle	VERB
fsr-3323	237	6	the	the	DET
fsr-3323	237	7	effects	effect	NOUN
fsr-3323	237	8	.	.	PUNCT
fsr-3323	238	1	the	the	DET
fsr-3323	238	2	tobit	tobit	PROPN
fsr-3323	238	3	and	and	CCONJ
fsr-3323	238	4	ols	ol	NOUN
fsr-3323	238	5	regression	regression	NOUN
fsr-3323	238	6	models	model	NOUN
fsr-3323	238	7	specifications	specification	NOUN
fsr-3323	238	8	are	be	AUX
fsr-3323	238	9	:	:	PUNCT
fsr-3323	238	10	dis	dis	PROPN
fsr-3323	238	11	�	�	PROPN
fsr-3323	238	12	�	�	PROPN
fsr-3323	238	13	1	1	NUM
fsr-3323	238	14	�	�	PROPN
fsr-3323	238	15	�	�	PROPN
fsr-3323	238	16	yr	yr	PROPN
fsr-3323	238	17	�	�	PROPN
fsr-3323	238	18	�	�	PROPN
fsr-3323	238	19	a	a	DET
fsr-3323	238	20	�	�	PROPN
fsr-3323	238	21	�	�	PROPN
fsr-3323	238	22	g	g	PROPN
fsr-3323	238	23	�	�	PROPN
fsr-3323	238	24	�	�	PROPN
fsr-3323	238	25	ic	ic	PROPN
fsr-3323	238	26	�	�	PROPN
fsr-3323	238	27	�	�	PROPN
fsr-3323	238	28	rr&iar	rr&iar	PROPN
fsr-3323	238	29	�	�	PROPN
fsr-3323	238	30	�	�	PROPN
fsr-3323	238	31	ins	ins	PROPN
fsr-3323	238	32	�	�	PROPN
fsr-3323	238	33	�	�	PROPN
fsr-3323	238	34	anydes	anydes	PROPN
fsr-3323	238	35	�	�	PROPN
fsr-3323	238	36	�	�	PROPN
fsr-3323	238	37	(	(	PUNCT
fsr-3323	238	38	1	1	NUM
fsr-3323	238	39	)	)	PUNCT
fsr-3323	238	40	adis	adis	PROPN
fsr-3323	238	41	�	�	PROPN
fsr-3323	238	42	�	�	PROPN
fsr-3323	238	43	1	1	NUM
fsr-3323	238	44	�	�	PROPN
fsr-3323	238	45	�	�	PROPN
fsr-3323	238	46	yr	yr	PROPN
fsr-3323	238	47	�	�	PROPN
fsr-3323	238	48	�	�	PROPN
fsr-3323	238	49	a	a	DET
fsr-3323	238	50	�	�	PROPN
fsr-3323	238	51	�	�	PROPN
fsr-3323	238	52	g	g	PROPN
fsr-3323	238	53	�	�	PROPN
fsr-3323	238	54	�	�	PROPN
fsr-3323	238	55	ic	ic	PROPN
fsr-3323	238	56	�	�	PROPN
fsr-3323	238	57	�	�	PROPN
fsr-3323	238	58	rr&iar	rr&iar	PROPN
fsr-3323	238	59	�	�	PROPN
fsr-3323	238	60	�	�	PROPN
fsr-3323	238	61	ins	ins	PROPN
fsr-3323	238	62	�	�	PROPN
fsr-3323	238	63	�	�	PROPN
fsr-3323	238	64	anydes	anydes	PROPN
fsr-3323	238	65	�	�	PROPN
fsr-3323	238	66	�	�	PROPN
fsr-3323	238	67	(	(	PUNCT
fsr-3323	238	68	2	2	NUM
fsr-3323	238	69	)	)	PUNCT
fsr-3323	238	70	cad	cad	PROPN
fsr-3323	238	71	�	�	PROPN
fsr-3323	238	72	�	�	PROPN
fsr-3323	238	73	1	1	NUM
fsr-3323	238	74	�	�	PROPN
fsr-3323	238	75	�	�	PROPN
fsr-3323	238	76	yr	yr	PROPN
fsr-3323	238	77	�	�	PROPN
fsr-3323	238	78	�	�	PROPN
fsr-3323	238	79	a	a	DET
fsr-3323	238	80	�	�	PROPN
fsr-3323	238	81	�	�	PROPN
fsr-3323	238	82	g	g	PROPN
fsr-3323	238	83	�	�	PROPN
fsr-3323	238	84	�	�	PROPN
fsr-3323	238	85	ic	ic	PROPN
fsr-3323	238	86	�	�	PROPN
fsr-3323	238	87	�	�	PROPN
fsr-3323	238	88	rr&iar	rr&iar	PROPN
fsr-3323	238	89	�	�	PROPN
fsr-3323	238	90	�	�	PROPN
fsr-3323	238	91	ins	ins	PROPN
fsr-3323	238	92	�	�	PROPN
fsr-3323	238	93	�	�	PROPN
fsr-3323	238	94	anydes	anydes	PROPN
fsr-3323	238	95	�	�	PROPN
fsr-3323	238	96	�	�	PROPN
fsr-3323	238	97	(	(	PUNCT
fsr-3323	238	98	3	3	NUM
fsr-3323	238	99	)	)	PUNCT
fsr-3323	238	100	table	table	NOUN
fsr-3323	238	101	5	5	NUM
fsr-3323	238	102	dis	dis	PROPN
fsr-3323	238	103	,	,	PUNCT
fsr-3323	238	104	adis	adis	PROPN
fsr-3323	238	105	,	,	PUNCT
fsr-3323	238	106	cad	cad	PROPN
fsr-3323	238	107	,	,	PUNCT
fsr-3323	238	108	and	and	CCONJ
fsr-3323	238	109	binary	binary	ADJ
fsr-3323	238	110	analog	analog	NOUN
fsr-3323	238	111	misconduct	misconduct	NOUN
fsr-3323	238	112	by	by	ADP
fsr-3323	238	113	designation	designation	NOUN
fsr-3323	238	114	,	,	PUNCT
fsr-3323	238	115	gender	gender	NOUN
fsr-3323	238	116	,	,	PUNCT
fsr-3323	238	117	employment	employment	NOUN
fsr-3323	238	118	status	status	NOUN
fsr-3323	238	119	,	,	PUNCT
fsr-3323	238	120	and	and	CCONJ
fsr-3323	238	121	insurance	insurance	NOUN
fsr-3323	238	122	and	and	CCONJ
fsr-3323	238	123	iar	iar	PROPN
fsr-3323	238	124	licensure	licensure	NOUN
fsr-3323	238	125	independent	independent	ADJ
fsr-3323	238	126	variable	variable	ADJ
fsr-3323	238	127	�	�	PROPN
fsr-3323	238	128	b	b	PROPN
fsr-3323	238	129	-	-	PUNCT
fsr-3323	238	130	cad	cad	PROPN
fsr-3323	238	131	�	�	PROPN
fsr-3323	238	132	b	b	PROPN
fsr-3323	238	133	-	-	PUNCT
fsr-3323	238	134	adis	adis	PROPN
fsr-3323	238	135	�	�	PROPN
fsr-3323	238	136	b	b	PROPN
fsr-3323	238	137	-	-	PUNCT
fsr-3323	238	138	dis	dis	PROPN
fsr-3323	238	139	�	�	PROPN
fsr-3323	238	140	cad	cad	PROPN
fsr-3323	238	141	�	�	PROPN
fsr-3323	238	142	adis	adis	PROPN
fsr-3323	238	143	�	�	PROPN
fsr-3323	238	144	dis	dis	PROPN
fsr-3323	238	145	sample	sample	NOUN
fsr-3323	238	146	mean	mean	VERB
fsr-3323	238	147	0.12	0.12	NUM
fsr-3323	238	148	0.15	0.15	NUM
fsr-3323	238	149	0.24	0.24	NUM
fsr-3323	238	150	0.75	0.75	NUM
fsr-3323	238	151	0.86	0.86	NUM
fsr-3323	238	152	1.10	1.10	NUM
fsr-3323	238	153	any	any	DET
fsr-3323	238	154	designation	designation	NOUN
fsr-3323	238	155	0.18	0.18	NUM
fsr-3323	238	156	0.22	0.22	NUM
fsr-3323	238	157	0.28	0.28	NUM
fsr-3323	238	158	1.10	1.10	NUM
fsr-3323	238	159	1.23	1.23	NUM
fsr-3323	238	160	1.41	1.41	NUM
fsr-3323	238	161	no	no	DET
fsr-3323	238	162	designation	designation	NOUN
fsr-3323	238	163	0.11	0.11	NUM
fsr-3323	238	164	0.13	0.13	NUM
fsr-3323	238	165	0.23	0.23	NUM
fsr-3323	238	166	0.71	0.71	NUM
fsr-3323	238	167	0.81	0.81	NUM
fsr-3323	238	168	1.06	1.06	NUM
fsr-3323	238	169	cfp	cfp	NOUN
fsr-3323	238	170	0.19	0.19	NUM
fsr-3323	238	171	0.22	0.22	NUM
fsr-3323	238	172	0.28	0.28	NUM
fsr-3323	238	173	1.11	1.11	NUM
fsr-3323	238	174	1.25	1.25	NUM
fsr-3323	238	175	1.42	1.42	NUM
fsr-3323	238	176	non	non	ADJ
fsr-3323	238	177	-	-	NOUN
fsr-3323	238	178	cfp	cfp	ADJ
fsr-3323	238	179	0.11	0.11	NUM
fsr-3323	238	180	0.14	0.14	NUM
fsr-3323	238	181	0.23	0.23	NUM
fsr-3323	238	182	0.72	0.72	NUM
fsr-3323	238	183	0.82	0.82	NUM
fsr-3323	238	184	1.07	1.07	NUM
fsr-3323	238	185	chfc	chfc	NOUN
fsr-3323	238	186	0.18	0.18	NUM
fsr-3323	238	187	0.21	0.21	NUM
fsr-3323	238	188	0.27	0.27	NUM
fsr-3323	238	189	1.10	1.10	NUM
fsr-3323	238	190	1.23	1.23	NUM
fsr-3323	238	191	1.43	1.43	NUM
fsr-3323	238	192	non	non	ADJ
fsr-3323	238	193	-	-	ADJ
fsr-3323	238	194	chfc	chfc	ADJ
fsr-3323	238	195	0.12	0.12	NUM
fsr-3323	238	196	0.14	0.14	NUM
fsr-3323	238	197	0.24	0.24	NUM
fsr-3323	238	198	0.74	0.74	NUM
fsr-3323	238	199	0.85	0.85	NUM
fsr-3323	238	200	1.09	1.09	NUM
fsr-3323	238	201	cfa	cfa	NOUN
fsr-3323	238	202	0.09	0.09	NUM
fsr-3323	238	203	0.13	0.13	NUM
fsr-3323	238	204	0.17	0.17	NUM
fsr-3323	238	205	0.52	0.52	NUM
fsr-3323	238	206	0.62	0.62	NUM
fsr-3323	238	207	0.70	0.70	NUM
fsr-3323	238	208	non	non	ADJ
fsr-3323	238	209	-	-	NOUN
fsr-3323	238	210	cfa	cfa	ADJ
fsr-3323	238	211	0.12	0.12	NUM
fsr-3323	238	212	0.15	0.15	NUM
fsr-3323	238	213	0.24	0.24	NUM
fsr-3323	238	214	0.75	0.75	NUM
fsr-3323	238	215	0.86	0.86	NUM
fsr-3323	238	216	1.11	1.11	NUM
fsr-3323	238	217	male	male	NOUN
fsr-3323	238	218	0.14	0.14	NUM
fsr-3323	238	219	0.17	0.17	NUM
fsr-3323	238	220	0.26	0.26	NUM
fsr-3323	238	221	0.91	0.91	NUM
fsr-3323	238	222	1.04	1.04	NUM
fsr-3323	238	223	1.28	1.28	NUM
fsr-3323	238	224	female	female	NOUN
fsr-3323	238	225	0.05	0.05	NUM
fsr-3323	238	226	0.07	0.07	NUM
fsr-3323	238	227	0.17	0.17	NUM
fsr-3323	238	228	0.29	0.29	NUM
fsr-3323	238	229	0.34	0.34	NUM
fsr-3323	238	230	0.57	0.57	NUM
fsr-3323	238	231	independent	independent	ADJ
fsr-3323	238	232	contractor	contractor	NOUN
fsr-3323	238	233	0.13	0.13	NUM
fsr-3323	238	234	0.15	0.15	NUM
fsr-3323	238	235	0.27	0.27	NUM
fsr-3323	238	236	0.82	0.82	NUM
fsr-3323	238	237	0.93	0.93	NUM
fsr-3323	238	238	1.24	1.24	NUM
fsr-3323	238	239	employee	employee	NOUN
fsr-3323	238	240	0.11	0.11	NUM
fsr-3323	238	241	0.14	0.14	NUM
fsr-3323	238	242	0.22	0.22	NUM
fsr-3323	238	243	0.71	0.71	NUM
fsr-3323	238	244	0.82	0.82	NUM
fsr-3323	238	245	1.02	1.02	NUM
fsr-3323	238	246	iar	iar	PROPN
fsr-3323	238	247	0.14	0.14	NUM
fsr-3323	238	248	0.18	0.18	NUM
fsr-3323	238	249	0.26	0.26	NUM
fsr-3323	238	250	0.90	0.90	NUM
fsr-3323	238	251	1.04	1.04	NUM
fsr-3323	238	252	1.27	1.27	NUM
fsr-3323	238	253	non	non	ADJ
fsr-3323	238	254	-	-	ADJ
fsr-3323	238	255	iar	iar	ADJ
fsr-3323	238	256	0.08	0.08	NUM
fsr-3323	238	257	0.10	0.10	NUM
fsr-3323	238	258	0.20	0.20	NUM
fsr-3323	238	259	0.56	0.56	NUM
fsr-3323	238	260	0.64	0.64	NUM
fsr-3323	238	261	0.90	0.90	NUM
fsr-3323	238	262	insurance	insurance	NOUN
fsr-3323	238	263	license	license	NOUN
fsr-3323	238	264	0.16	0.16	NUM
fsr-3323	238	265	0.20	0.20	NUM
fsr-3323	238	266	0.29	0.29	NUM
fsr-3323	238	267	1.02	1.02	NUM
fsr-3323	238	268	1.17	1.17	NUM
fsr-3323	238	269	1.41	1.41	NUM
fsr-3323	238	270	no	no	DET
fsr-3323	238	271	insurance	insurance	NOUN
fsr-3323	238	272	license	license	NOUN
fsr-3323	238	273	0.06	0.06	NUM
fsr-3323	238	274	0.07	0.07	NUM
fsr-3323	238	275	0.17	0.17	NUM
fsr-3323	238	276	0.39	0.39	NUM
fsr-3323	238	277	0.44	0.44	NUM
fsr-3323	238	278	0.68	0.68	NUM
fsr-3323	238	279	cfp	cfp	PROPN
fsr-3323	238	280	�	�	PROPN
fsr-3323	238	281	certified	certify	VERB
fsr-3323	238	282	financial	financial	ADJ
fsr-3323	238	283	planner	planner	NOUN
fsr-3323	238	284	;	;	PUNCT
fsr-3323	238	285	chfc	chfc	PROPN
fsr-3323	238	286	�	�	PROPN
fsr-3323	238	287	chartered	charter	VERB
fsr-3323	238	288	financial	financial	ADJ
fsr-3323	238	289	consultant	consultant	NOUN
fsr-3323	238	290	;	;	PUNCT
fsr-3323	238	291	cfa	cfa	PROPN
fsr-3323	238	292	�	�	PROPN
fsr-3323	238	293	chartered	charter	VERB
fsr-3323	238	294	financial	financial	ADJ
fsr-3323	238	295	analyst	analyst	NOUN
fsr-3323	238	296	;	;	PUNCT
fsr-3323	238	297	iar	iar	PROPN
fsr-3323	238	298	�	�	PROPN
fsr-3323	238	299	investment	investment	PROPN
fsr-3323	238	300	advisor	advisor	NOUN
fsr-3323	238	301	representatives	representative	NOUN
fsr-3323	238	302	.	.	PUNCT
fsr-3323	239	1	cad	cad	PROPN
fsr-3323	239	2	is	be	AUX
fsr-3323	239	3	for	for	ADP
fsr-3323	239	4	culpable	culpable	ADJ
fsr-3323	239	5	advisory	advisory	ADJ
fsr-3323	239	6	disclosure	disclosure	NOUN
fsr-3323	239	7	and	and	CCONJ
fsr-3323	239	8	measures	measure	NOUN
fsr-3323	239	9	regulatory	regulatory	ADJ
fsr-3323	239	10	or	or	CCONJ
fsr-3323	239	11	judicial	judicial	ADJ
fsr-3323	239	12	findings	finding	NOUN
fsr-3323	239	13	or	or	CCONJ
fsr-3323	239	14	other	other	ADJ
fsr-3323	239	15	strong	strong	ADJ
fsr-3323	239	16	indications	indication	NOUN
fsr-3323	239	17	of	of	ADP
fsr-3323	239	18	clear	clear	ADJ
fsr-3323	239	19	advisory	advisory	ADJ
fsr-3323	239	20	-	-	PUNCT
fsr-3323	239	21	related	relate	VERB
fsr-3323	239	22	misconduct	misconduct	NOUN
fsr-3323	239	23	.	.	PUNCT
fsr-3323	240	1	adis	adis	PROPN
fsr-3323	240	2	is	be	AUX
fsr-3323	240	3	for	for	ADP
fsr-3323	240	4	advisory	advisory	ADJ
fsr-3323	240	5	disclosure	disclosure	NOUN
fsr-3323	240	6	incidence	incidence	NOUN
fsr-3323	240	7	score	score	NOUN
fsr-3323	240	8	and	and	CCONJ
fsr-3323	240	9	measures	measure	VERB
fsr-3323	240	10	allegations	allegation	NOUN
fsr-3323	240	11	and	and	CCONJ
fsr-3323	240	12	findings	finding	NOUN
fsr-3323	240	13	of	of	ADP
fsr-3323	240	14	advisory	advisory	ADJ
fsr-3323	240	15	-	-	PUNCT
fsr-3323	240	16	related	relate	VERB
fsr-3323	240	17	misconduct	misconduct	NOUN
fsr-3323	240	18	.	.	PUNCT
fsr-3323	241	1	dis	dis	PROPN
fsr-3323	241	2	is	be	AUX
fsr-3323	241	3	for	for	ADP
fsr-3323	241	4	disclosure	disclosure	NOUN
fsr-3323	241	5	incidence	incidence	NOUN
fsr-3323	241	6	score	score	NOUN
fsr-3323	241	7	and	and	CCONJ
fsr-3323	241	8	measures	measure	VERB
fsr-3323	241	9	allegations	allegation	NOUN
fsr-3323	241	10	and	and	CCONJ
fsr-3323	241	11	findings	finding	NOUN
fsr-3323	241	12	of	of	ADP
fsr-3323	241	13	advisoryand	advisoryand	PROPN
fsr-3323	241	14	non	non	ADJ
fsr-3323	241	15	-	-	ADJ
fsr-3323	241	16	advisory	advisory	ADJ
fsr-3323	241	17	–	–	PUNCT
fsr-3323	241	18	related	relate	VERB
fsr-3323	241	19	misconduct	misconduct	NOUN
fsr-3323	241	20	.	.	PUNCT
fsr-3323	242	1	b	b	X
fsr-3323	242	2	-	-	PUNCT
fsr-3323	242	3	versions	version	NOUN
fsr-3323	242	4	of	of	ADP
fsr-3323	242	5	dis	dis	PROPN
fsr-3323	242	6	,	,	PUNCT
fsr-3323	242	7	adis	adis	PROPN
fsr-3323	242	8	,	,	PUNCT
fsr-3323	242	9	and	and	CCONJ
fsr-3323	242	10	cad	cad	PROPN
fsr-3323	242	11	are	be	AUX
fsr-3323	242	12	binary	binary	ADJ
fsr-3323	242	13	transformations	transformation	NOUN
fsr-3323	242	14	of	of	ADP
fsr-3323	242	15	the	the	DET
fsr-3323	242	16	corresponding	corresponding	ADJ
fsr-3323	242	17	continuous	continuous	ADJ
fsr-3323	242	18	variables	variable	NOUN
fsr-3323	242	19	.	.	PUNCT
fsr-3323	243	1	282	282	NUM
fsr-3323	243	2	j.m	j.m	PROPN
fsr-3323	243	3	.	.	PROPN
fsr-3323	243	4	camarda	camarda	PROPN
fsr-3323	243	5	/	/	SYM
fsr-3323	243	6	financial	financial	ADJ
fsr-3323	243	7	services	service	NOUN
fsr-3323	243	8	review	review	VERB
fsr-3323	243	9	26	26	NUM
fsr-3323	243	10	(	(	PUNCT
fsr-3323	243	11	2017	2017	NUM
fsr-3323	243	12	)	)	PUNCT
fsr-3323	243	13	271–290	271–290	NUM
fsr-3323	244	1	the	the	DET
fsr-3323	244	2	logit	logit	PROPN
fsr-3323	244	3	regression	regression	NOUN
fsr-3323	244	4	models	model	NOUN
fsr-3323	244	5	specifications	specification	NOUN
fsr-3323	244	6	are	be	AUX
fsr-3323	244	7	:	:	PUNCT
fsr-3323	244	8	b	b	X
fsr-3323	244	9	-	-	PUNCT
fsr-3323	244	10	dis	dis	PROPN
fsr-3323	244	11	�	�	PROPN
fsr-3323	244	12	�	�	PROPN
fsr-3323	244	13	1	1	NUM
fsr-3323	244	14	�	�	PROPN
fsr-3323	244	15	�	�	PROPN
fsr-3323	244	16	yr	yr	PROPN
fsr-3323	244	17	�	�	PROPN
fsr-3323	244	18	�	�	PROPN
fsr-3323	244	19	a	a	DET
fsr-3323	244	20	�	�	PROPN
fsr-3323	244	21	�	�	PROPN
fsr-3323	244	22	g	g	PROPN
fsr-3323	244	23	�	�	PROPN
fsr-3323	244	24	�	�	PROPN
fsr-3323	244	25	ic	ic	PROPN
fsr-3323	244	26	�	�	PROPN
fsr-3323	244	27	�	�	PROPN
fsr-3323	244	28	rr&iar	rr&iar	PROPN
fsr-3323	244	29	�	�	PROPN
fsr-3323	244	30	�	�	PROPN
fsr-3323	244	31	ins	ins	PROPN
fsr-3323	244	32	�	�	PROPN
fsr-3323	244	33	�	�	PROPN
fsr-3323	244	34	anydes	anydes	PROPN
fsr-3323	244	35	�	�	PROPN
fsr-3323	244	36	�	�	PROPN
fsr-3323	244	37	(	(	PUNCT
fsr-3323	244	38	4	4	NUM
fsr-3323	244	39	)	)	PUNCT
fsr-3323	244	40	b	b	NOUN
fsr-3323	244	41	-	-	PUNCT
fsr-3323	244	42	adis	adis	PROPN
fsr-3323	244	43	�	�	PROPN
fsr-3323	244	44	�	�	PROPN
fsr-3323	244	45	1	1	NUM
fsr-3323	244	46	�	�	PROPN
fsr-3323	244	47	�	�	PROPN
fsr-3323	244	48	yr	yr	PROPN
fsr-3323	244	49	�	�	PROPN
fsr-3323	244	50	�	�	PROPN
fsr-3323	244	51	a	a	DET
fsr-3323	244	52	�	�	PROPN
fsr-3323	244	53	�	�	PROPN
fsr-3323	244	54	g	g	PROPN
fsr-3323	244	55	�	�	PROPN
fsr-3323	244	56	�	�	PROPN
fsr-3323	244	57	ic	ic	PROPN
fsr-3323	244	58	�	�	PROPN
fsr-3323	244	59	�	�	PROPN
fsr-3323	244	60	rr&iar	rr&iar	PROPN
fsr-3323	244	61	�	�	PROPN
fsr-3323	244	62	�	�	PROPN
fsr-3323	244	63	ins	ins	PROPN
fsr-3323	244	64	�	�	PROPN
fsr-3323	244	65	�	�	PROPN
fsr-3323	244	66	anydes	anydes	PROPN
fsr-3323	244	67	�	�	PROPN
fsr-3323	244	68	�	�	PROPN
fsr-3323	244	69	(	(	PUNCT
fsr-3323	244	70	5	5	NUM
fsr-3323	244	71	)	)	PUNCT
fsr-3323	244	72	b	b	NOUN
fsr-3323	244	73	-	-	PUNCT
fsr-3323	244	74	cad	cad	PROPN
fsr-3323	244	75	�	�	PROPN
fsr-3323	244	76	�	�	PROPN
fsr-3323	244	77	1	1	NUM
fsr-3323	244	78	�	�	PROPN
fsr-3323	244	79	�	�	PROPN
fsr-3323	244	80	yr	yr	PROPN
fsr-3323	244	81	�	�	PROPN
fsr-3323	244	82	�	�	PROPN
fsr-3323	244	83	a	a	DET
fsr-3323	244	84	�	�	PROPN
fsr-3323	244	85	�	�	PROPN
fsr-3323	244	86	g	g	PROPN
fsr-3323	244	87	�	�	PROPN
fsr-3323	244	88	�	�	PROPN
fsr-3323	244	89	ic	ic	PROPN
fsr-3323	244	90	�	�	PROPN
fsr-3323	244	91	�	�	PROPN
fsr-3323	244	92	rr&iar	rr&iar	PROPN
fsr-3323	244	93	�	�	PROPN
fsr-3323	244	94	�	�	PROPN
fsr-3323	244	95	ins	ins	PROPN
fsr-3323	244	96	�	�	PROPN
fsr-3323	244	97	�	�	PROPN
fsr-3323	244	98	anydes	anydes	PROPN
fsr-3323	244	99	�	�	PROPN
fsr-3323	244	100	�	�	PROPN
fsr-3323	244	101	(	(	PUNCT
fsr-3323	244	102	6	6	NUM
fsr-3323	244	103	)	)	PUNCT
fsr-3323	244	104	where	where	SCONJ
fsr-3323	244	105	yr	yr	NOUN
fsr-3323	244	106	�	�	PROPN
fsr-3323	244	107	years	year	NOUN
fsr-3323	244	108	registered	register	VERB
fsr-3323	244	109	a	a	DET
fsr-3323	244	110	�	�	PROPN
fsr-3323	244	111	age	age	NOUN
fsr-3323	244	112	g	g	PROPN
fsr-3323	244	113	�	�	PROPN
fsr-3323	244	114	gender	gender	PROPN
fsr-3323	244	115	ic	ic	PROPN
fsr-3323	244	116	�	�	PROPN
fsr-3323	244	117	independent	independent	ADJ
fsr-3323	244	118	contractor	contractor	PROPN
fsr-3323	244	119	rr&iar	rr&iar	PROPN
fsr-3323	244	120	�	�	PROPN
fsr-3323	244	121	dual	dual	ADJ
fsr-3323	244	122	registration	registration	NOUN
fsr-3323	244	123	as	as	ADP
fsr-3323	244	124	rr	rr	PROPN
fsr-3323	244	125	and	and	CCONJ
fsr-3323	244	126	iar	iar	PROPN
fsr-3323	244	127	ins	ins	PROPN
fsr-3323	244	128	�	�	PROPN
fsr-3323	244	129	rr	rr	PROPN
fsr-3323	244	130	is	be	AUX
fsr-3323	244	131	life	life	NOUN
fsr-3323	244	132	insurance	insurance	NOUN
fsr-3323	244	133	sales	sale	NOUN
fsr-3323	244	134	licensed	license	VERB
fsr-3323	244	135	anydes	anyde	NOUN
fsr-3323	244	136	�	�	PROPN
fsr-3323	244	137	rr	rr	PROPN
fsr-3323	244	138	holds	hold	VERB
fsr-3323	244	139	any	any	PRON
fsr-3323	244	140	of	of	ADP
fsr-3323	244	141	cfa	cfa	PROPN
fsr-3323	244	142	,	,	PUNCT
fsr-3323	244	143	cfp	cfp	PROPN
fsr-3323	244	144	,	,	PUNCT
fsr-3323	244	145	or	or	CCONJ
fsr-3323	244	146	chfc	chfc	ADJ
fsr-3323	244	147	designations	designation	NOUN
fsr-3323	244	148	9	9	NUM
fsr-3323	244	149	.	.	PUNCT
fsr-3323	245	1	regressions	regression	NOUN
fsr-3323	245	2	results	result	NOUN
fsr-3323	245	3	as	as	SCONJ
fsr-3323	245	4	seen	see	VERB
fsr-3323	245	5	in	in	ADP
fsr-3323	245	6	table	table	NOUN
fsr-3323	245	7	6	6	NUM
fsr-3323	245	8	,	,	PUNCT
fsr-3323	245	9	having	have	VERB
fsr-3323	245	10	at	at	ADV
fsr-3323	245	11	least	least	ADJ
fsr-3323	245	12	one	one	NUM
fsr-3323	245	13	of	of	ADP
fsr-3323	245	14	the	the	DET
fsr-3323	245	15	study	study	NOUN
fsr-3323	245	16	designations	designation	NOUN
fsr-3323	245	17	is	be	AUX
fsr-3323	245	18	associated	associate	VERB
fsr-3323	245	19	with	with	ADP
fsr-3323	245	20	lower	low	ADJ
fsr-3323	245	21	misconduct	misconduct	NOUN
fsr-3323	245	22	by	by	ADP
fsr-3323	245	23	all	all	DET
fsr-3323	245	24	three	three	NUM
fsr-3323	245	25	measures	measure	NOUN
fsr-3323	245	26	with	with	ADP
fsr-3323	245	27	high	high	ADJ
fsr-3323	245	28	significance	significance	NOUN
fsr-3323	245	29	in	in	ADP
fsr-3323	245	30	the	the	DET
fsr-3323	245	31	tobit	tobit	NOUN
fsr-3323	245	32	.	.	PUNCT
fsr-3323	246	1	having	have	VERB
fsr-3323	246	2	an	an	DET
fsr-3323	246	3	insurance	insurance	NOUN
fsr-3323	246	4	table	table	NOUN
fsr-3323	246	5	6	6	NUM
fsr-3323	246	6	tobit	tobit	NOUN
fsr-3323	246	7	dis	dis	PROPN
fsr-3323	246	8	,	,	PUNCT
fsr-3323	246	9	adis	adis	PROPN
fsr-3323	246	10	,	,	PUNCT
fsr-3323	246	11	and	and	CCONJ
fsr-3323	246	12	cad	cad	PROPN
fsr-3323	246	13	variable	variable	ADJ
fsr-3323	246	14	coefficients	coefficient	NOUN
fsr-3323	246	15	,	,	PUNCT
fsr-3323	246	16	significance	significance	NOUN
fsr-3323	246	17	,	,	PUNCT
fsr-3323	246	18	and	and	CCONJ
fsr-3323	246	19	(	(	PUNCT
fsr-3323	246	20	standard	standard	ADJ
fsr-3323	246	21	errors	error	NOUN
fsr-3323	246	22	)	)	PUNCT
fsr-3323	246	23	by	by	ADP
fsr-3323	246	24	years	year	NOUN
fsr-3323	246	25	registered	register	VERB
fsr-3323	246	26	,	,	PUNCT
fsr-3323	246	27	age	age	NOUN
fsr-3323	246	28	,	,	PUNCT
fsr-3323	246	29	gender	gender	NOUN
fsr-3323	246	30	,	,	PUNCT
fsr-3323	246	31	employment	employment	NOUN
fsr-3323	246	32	status	status	NOUN
fsr-3323	246	33	,	,	PUNCT
fsr-3323	246	34	iar	iar	PROPN
fsr-3323	246	35	and	and	CCONJ
fsr-3323	246	36	insurance	insurance	NOUN
fsr-3323	246	37	licensure	licensure	NOUN
fsr-3323	246	38	status	status	NOUN
fsr-3323	246	39	,	,	PUNCT
fsr-3323	246	40	and	and	CCONJ
fsr-3323	246	41	presence	presence	NOUN
fsr-3323	246	42	of	of	ADP
fsr-3323	246	43	at	at	ADV
fsr-3323	246	44	least	least	ADV
fsr-3323	246	45	one	one	NUM
fsr-3323	246	46	study	study	NOUN
fsr-3323	246	47	designation	designation	NOUN
fsr-3323	246	48	independent	independent	ADJ
fsr-3323	246	49	variable	variable	ADJ
fsr-3323	246	50	dis	dis	PROPN
fsr-3323	246	51	adis	adis	PROPN
fsr-3323	246	52	cad	cad	PROPN
fsr-3323	246	53	years	year	NOUN
fsr-3323	246	54	registered	register	VERB
fsr-3323	246	55	0.213	0.213	NUM
fsr-3323	246	56	*	*	PUNCT
fsr-3323	246	57	*	*	PUNCT
fsr-3323	246	58	*	*	PUNCT
fsr-3323	246	59	0.449	0.449	NUM
fsr-3323	246	60	*	*	PUNCT
fsr-3323	247	1	*	*	PUNCT
fsr-3323	247	2	*	*	PUNCT
fsr-3323	247	3	0.522	0.522	NUM
fsr-3323	247	4	*	*	PUNCT
fsr-3323	247	5	*	*	PUNCT
fsr-3323	247	6	*	*	PUNCT
fsr-3323	247	7	(	(	PUNCT
fsr-3323	247	8	0.009	0.009	NUM
fsr-3323	247	9	)	)	PUNCT
fsr-3323	247	10	(	(	PUNCT
fsr-3323	247	11	0.014	0.014	NUM
fsr-3323	247	12	)	)	PUNCT
fsr-3323	247	13	(	(	PUNCT
fsr-3323	247	14	0.017	0.017	NUM
fsr-3323	247	15	)	)	PUNCT
fsr-3323	247	16	age	age	NOUN
fsr-3323	247	17	0.008	0.008	NUM
fsr-3323	247	18	—	—	PUNCT
fsr-3323	247	19	�	�	NOUN
fsr-3323	247	20	0.039	0.039	NUM
fsr-3323	247	21	*	*	PUNCT
fsr-3323	247	22	*	*	PUNCT
fsr-3323	247	23	*	*	PUNCT
fsr-3323	247	24	�	�	PROPN
fsr-3323	247	25	0.038	0.038	NUM
fsr-3323	247	26	*	*	PUNCT
fsr-3323	247	27	*	*	PUNCT
fsr-3323	247	28	*	*	PUNCT
fsr-3323	247	29	(	(	PUNCT
fsr-3323	247	30	0.007	0.007	NUM
fsr-3323	247	31	)	)	PUNCT
fsr-3323	247	32	(	(	PUNCT
fsr-3323	247	33	0.012	0.012	NUM
fsr-3323	247	34	)	)	PUNCT
fsr-3323	247	35	(	(	PUNCT
fsr-3323	247	36	0.014	0.014	NUM
fsr-3323	247	37	)	)	PUNCT
fsr-3323	247	38	gender	gender	NOUN
fsr-3323	247	39	1.818	1.818	NUM
fsr-3323	247	40	*	*	PUNCT
fsr-3323	247	41	*	*	PUNCT
fsr-3323	247	42	*	*	PUNCT
fsr-3323	247	43	3.542	3.542	NUM
fsr-3323	247	44	*	*	PUNCT
fsr-3323	247	45	*	*	PUNCT
fsr-3323	247	46	*	*	PUNCT
fsr-3323	247	47	3.893	3.893	NUM
fsr-3323	247	48	*	*	PUNCT
fsr-3323	247	49	*	*	PUNCT
fsr-3323	247	50	*	*	PUNCT
fsr-3323	247	51	(	(	PUNCT
fsr-3323	247	52	0.155	0.155	NUM
fsr-3323	247	53	)	)	PUNCT
fsr-3323	247	54	(	(	PUNCT
fsr-3323	247	55	0.263	0.263	NUM
fsr-3323	247	56	)	)	PUNCT
fsr-3323	247	57	(	(	PUNCT
fsr-3323	247	58	0.317	0.317	NUM
fsr-3323	247	59	)	)	PUNCT
fsr-3323	247	60	independent	independent	ADJ
fsr-3323	247	61	contractor	contractor	NOUN
fsr-3323	247	62	0.460	0.460	NUM
fsr-3323	247	63	*	*	PUNCT
fsr-3323	247	64	*	*	PUNCT
fsr-3323	247	65	*	*	PUNCT
fsr-3323	247	66	�	�	PROPN
fsr-3323	247	67	0.343	0.343	NUM
fsr-3323	247	68	—	—	PUNCT
fsr-3323	247	69	0.030	0.030	NUM
fsr-3323	247	70	—	—	PUNCT
fsr-3323	247	71	(	(	PUNCT
fsr-3323	247	72	0.137	0.137	NUM
fsr-3323	247	73	)	)	PUNCT
fsr-3323	247	74	(	(	PUNCT
fsr-3323	247	75	0.210	0.210	NUM
fsr-3323	247	76	)	)	PUNCT
fsr-3323	247	77	(	(	PUNCT
fsr-3323	247	78	0.246	0.246	NUM
fsr-3323	247	79	)	)	PUNCT
fsr-3323	247	80	iar	iar	PROPN
fsr-3323	247	81	0.841	0.841	NUM
fsr-3323	247	82	*	*	PUNCT
fsr-3323	247	83	*	*	PUNCT
fsr-3323	247	84	*	*	PUNCT
fsr-3323	247	85	1.940	1.940	NUM
fsr-3323	247	86	*	*	PUNCT
fsr-3323	247	87	*	*	PUNCT
fsr-3323	247	88	*	*	PUNCT
fsr-3323	247	89	1.921	1.921	NUM
fsr-3323	247	90	*	*	PUNCT
fsr-3323	247	91	*	*	PUNCT
fsr-3323	247	92	*	*	PUNCT
fsr-3323	247	93	(	(	PUNCT
fsr-3323	247	94	0.13	0.13	NUM
fsr-3323	247	95	)	)	PUNCT
fsr-3323	247	96	(	(	PUNCT
fsr-3323	247	97	0.21	0.21	NUM
fsr-3323	247	98	)	)	PUNCT
fsr-3323	247	99	(	(	PUNCT
fsr-3323	247	100	0.25	0.25	NUM
fsr-3323	247	101	)	)	PUNCT
fsr-3323	247	102	insurance	insurance	NOUN
fsr-3323	247	103	license	license	NOUN
fsr-3323	247	104	0.937	0.937	NUM
fsr-3323	247	105	*	*	PUNCT
fsr-3323	248	1	*	*	PUNCT
fsr-3323	248	2	*	*	PUNCT
fsr-3323	248	3	2.805	2.805	NUM
fsr-3323	248	4	*	*	PUNCT
fsr-3323	248	5	*	*	PUNCT
fsr-3323	248	6	*	*	PUNCT
fsr-3323	248	7	2.840	2.840	NUM
fsr-3323	248	8	*	*	PUNCT
fsr-3323	248	9	*	*	PUNCT
fsr-3323	248	10	*	*	PUNCT
fsr-3323	248	11	(	(	PUNCT
fsr-3323	248	12	0.146	0.146	NUM
fsr-3323	248	13	)	)	PUNCT
fsr-3323	248	14	(	(	PUNCT
fsr-3323	248	15	0.235	0.235	NUM
fsr-3323	248	16	)	)	PUNCT
fsr-3323	248	17	(	(	PUNCT
fsr-3323	248	18	0.279	0.279	NUM
fsr-3323	248	19	)	)	PUNCT
fsr-3323	248	20	any	any	DET
fsr-3323	248	21	designation	designation	NOUN
fsr-3323	248	22	�	�	NOUN
fsr-3323	248	23	1.155	1.155	NUM
fsr-3323	248	24	*	*	PUNCT
fsr-3323	248	25	*	*	PUNCT
fsr-3323	248	26	*	*	PUNCT
fsr-3323	248	27	�	�	X
fsr-3323	248	28	0.984	0.984	NUM
fsr-3323	248	29	*	*	PUNCT
fsr-3323	248	30	*	*	PUNCT
fsr-3323	248	31	*	*	PUNCT
fsr-3323	248	32	�	�	X
fsr-3323	248	33	1.020	1.020	NUM
fsr-3323	248	34	*	*	PUNCT
fsr-3323	248	35	*	*	PUNCT
fsr-3323	248	36	*	*	PUNCT
fsr-3323	248	37	(	(	PUNCT
fsr-3323	248	38	0.191	0.191	NUM
fsr-3323	248	39	)	)	PUNCT
fsr-3323	248	40	(	(	PUNCT
fsr-3323	248	41	0.268	0.268	NUM
fsr-3323	248	42	)	)	PUNCT
fsr-3323	248	43	(	(	PUNCT
fsr-3323	248	44	0.311	0.311	NUM
fsr-3323	248	45	)	)	PUNCT
fsr-3323	248	46	iar	iar	PROPN
fsr-3323	248	47	�	�	PROPN
fsr-3323	248	48	investment	investment	PROPN
fsr-3323	248	49	advisor	advisor	NOUN
fsr-3323	248	50	representatives	representative	NOUN
fsr-3323	248	51	.	.	PUNCT
fsr-3323	249	1	*	*	PUNCT
fsr-3323	249	2	,	,	PUNCT
fsr-3323	249	3	*	*	PUNCT
fsr-3323	249	4	*	*	PUNCT
fsr-3323	249	5	,	,	PUNCT
fsr-3323	249	6	*	*	PUNCT
fsr-3323	249	7	*	*	PUNCT
fsr-3323	249	8	*	*	PUNCT
fsr-3323	249	9	left	leave	VERB
fsr-3323	249	10	-	-	PUNCT
fsr-3323	249	11	adjacent	adjacent	ADJ
fsr-3323	249	12	coefficient	coefficient	NOUN
fsr-3323	249	13	significant	significant	ADJ
fsr-3323	249	14	at	at	ADP
fsr-3323	249	15	the	the	DET
fsr-3323	249	16	less	less	ADV
fsr-3323	249	17	-	-	PUNCT
fsr-3323	249	18	than	than	ADP
fsr-3323	249	19	10	10	NUM
fsr-3323	249	20	%	%	NOUN
fsr-3323	249	21	,	,	PUNCT
fsr-3323	249	22	5	5	NUM
fsr-3323	249	23	%	%	NOUN
fsr-3323	249	24	,	,	PUNCT
fsr-3323	249	25	or	or	CCONJ
fsr-3323	249	26	1	1	NUM
fsr-3323	249	27	%	%	NOUN
fsr-3323	249	28	level	level	NOUN
fsr-3323	249	29	,	,	PUNCT
fsr-3323	249	30	respectively	respectively	ADV
fsr-3323	249	31	.	.	PUNCT
fsr-3323	250	1	associated	associate	VERB
fsr-3323	250	2	standard	standard	ADJ
fsr-3323	250	3	error	error	NOUN
fsr-3323	250	4	appears	appear	VERB
fsr-3323	250	5	beneath	beneath	ADP
fsr-3323	250	6	the	the	DET
fsr-3323	250	7	corresponding	corresponding	ADJ
fsr-3323	250	8	coefficient	coefficient	NOUN
fsr-3323	250	9	in	in	ADP
fsr-3323	250	10	parentheses	parenthesis	NOUN
fsr-3323	250	11	.	.	PUNCT
fsr-3323	251	1	cad	cad	PROPN
fsr-3323	251	2	is	be	AUX
fsr-3323	251	3	for	for	ADP
fsr-3323	251	4	culpable	culpable	ADJ
fsr-3323	251	5	advisory	advisory	ADJ
fsr-3323	251	6	disclosure	disclosure	NOUN
fsr-3323	251	7	and	and	CCONJ
fsr-3323	251	8	measures	measure	NOUN
fsr-3323	251	9	regulatory	regulatory	ADJ
fsr-3323	251	10	or	or	CCONJ
fsr-3323	251	11	judicial	judicial	ADJ
fsr-3323	251	12	findings	finding	NOUN
fsr-3323	251	13	or	or	CCONJ
fsr-3323	251	14	other	other	ADJ
fsr-3323	251	15	strong	strong	ADJ
fsr-3323	251	16	indications	indication	NOUN
fsr-3323	251	17	of	of	ADP
fsr-3323	251	18	clear	clear	ADJ
fsr-3323	251	19	advisory	advisory	ADJ
fsr-3323	251	20	-	-	PUNCT
fsr-3323	251	21	related	relate	VERB
fsr-3323	251	22	misconduct	misconduct	NOUN
fsr-3323	251	23	.	.	PUNCT
fsr-3323	252	1	adis	adis	PROPN
fsr-3323	252	2	is	be	AUX
fsr-3323	252	3	for	for	ADP
fsr-3323	252	4	advisory	advisory	ADJ
fsr-3323	252	5	disclosure	disclosure	NOUN
fsr-3323	252	6	incidence	incidence	NOUN
fsr-3323	252	7	score	score	NOUN
fsr-3323	252	8	and	and	CCONJ
fsr-3323	252	9	measures	measure	VERB
fsr-3323	252	10	allegations	allegation	NOUN
fsr-3323	252	11	and	and	CCONJ
fsr-3323	252	12	findings	finding	NOUN
fsr-3323	252	13	of	of	ADP
fsr-3323	252	14	advisory	advisory	ADJ
fsr-3323	252	15	-	-	PUNCT
fsr-3323	252	16	related	relate	VERB
fsr-3323	252	17	misconduct	misconduct	NOUN
fsr-3323	252	18	.	.	PUNCT
fsr-3323	253	1	dis	dis	PROPN
fsr-3323	253	2	is	be	AUX
fsr-3323	253	3	for	for	ADP
fsr-3323	253	4	disclosure	disclosure	NOUN
fsr-3323	253	5	incidence	incidence	NOUN
fsr-3323	253	6	score	score	NOUN
fsr-3323	253	7	and	and	CCONJ
fsr-3323	253	8	measures	measure	VERB
fsr-3323	253	9	allegations	allegation	NOUN
fsr-3323	253	10	and	and	CCONJ
fsr-3323	253	11	findings	finding	NOUN
fsr-3323	253	12	of	of	ADP
fsr-3323	253	13	advisoryand	advisoryand	PROPN
fsr-3323	253	14	non	non	ADJ
fsr-3323	253	15	-	-	ADJ
fsr-3323	253	16	advisory	advisory	ADJ
fsr-3323	253	17	–	–	PUNCT
fsr-3323	253	18	related	relate	VERB
fsr-3323	253	19	misconduct	misconduct	NOUN
fsr-3323	253	20	.	.	PUNCT
fsr-3323	254	1	b	b	X
fsr-3323	254	2	-	-	PUNCT
fsr-3323	254	3	versions	version	NOUN
fsr-3323	254	4	of	of	ADP
fsr-3323	254	5	dis	dis	PROPN
fsr-3323	254	6	,	,	PUNCT
fsr-3323	254	7	adis	adis	PROPN
fsr-3323	254	8	,	,	PUNCT
fsr-3323	254	9	and	and	CCONJ
fsr-3323	254	10	cad	cad	PROPN
fsr-3323	254	11	are	be	AUX
fsr-3323	254	12	binary	binary	ADJ
fsr-3323	254	13	transformations	transformation	NOUN
fsr-3323	254	14	of	of	ADP
fsr-3323	254	15	the	the	DET
fsr-3323	254	16	corresponding	corresponding	ADJ
fsr-3323	254	17	continuous	continuous	ADJ
fsr-3323	254	18	variables	variable	NOUN
fsr-3323	254	19	.	.	PUNCT
fsr-3323	255	1	283j.m	283j.m	NOUN
fsr-3323	255	2	.	.	PUNCT
fsr-3323	256	1	camarda	camarda	VERB
fsr-3323	256	2	/	/	SYM
fsr-3323	256	3	financial	financial	ADJ
fsr-3323	256	4	services	service	NOUN
fsr-3323	256	5	review	review	VERB
fsr-3323	256	6	26	26	NUM
fsr-3323	256	7	(	(	PUNCT
fsr-3323	256	8	2017	2017	NUM
fsr-3323	256	9	)	)	PUNCT
fsr-3323	256	10	271–290	271–290	NUM
fsr-3323	256	11	license	license	NOUN
fsr-3323	256	12	,	,	PUNCT
fsr-3323	256	13	being	be	AUX
fsr-3323	256	14	male	male	ADJ
fsr-3323	256	15	,	,	PUNCT
fsr-3323	256	16	and	and	CCONJ
fsr-3323	256	17	being	be	AUX
fsr-3323	256	18	dually	dually	ADV
fsr-3323	256	19	registered	register	VERB
fsr-3323	256	20	as	as	ADP
fsr-3323	256	21	an	an	DET
fsr-3323	256	22	iar	iar	PROPN
fsr-3323	256	23	is	be	AUX
fsr-3323	256	24	associated	associate	VERB
fsr-3323	256	25	with	with	ADP
fsr-3323	256	26	higher	high	ADJ
fsr-3323	256	27	misconduct	misconduct	NOUN
fsr-3323	256	28	,	,	PUNCT
fsr-3323	256	29	also	also	ADV
fsr-3323	256	30	all	all	PRON
fsr-3323	256	31	with	with	ADP
fsr-3323	256	32	high	high	ADJ
fsr-3323	256	33	significance	significance	NOUN
fsr-3323	256	34	.	.	PUNCT
fsr-3323	257	1	please	please	INTJ
fsr-3323	257	2	see	see	VERB
fsr-3323	257	3	the	the	DET
fsr-3323	257	4	results	result	NOUN
fsr-3323	257	5	section	section	NOUN
fsr-3323	257	6	for	for	ADP
fsr-3323	257	7	more	more	ADV
fsr-3323	257	8	detailed	detailed	ADJ
fsr-3323	257	9	discussion	discussion	NOUN
fsr-3323	257	10	.	.	PUNCT
fsr-3323	258	1	the	the	DET
fsr-3323	258	2	ols	ol	NOUN
fsr-3323	258	3	results	result	NOUN
fsr-3323	258	4	are	be	AUX
fsr-3323	258	5	presented	present	VERB
fsr-3323	258	6	in	in	ADP
fsr-3323	258	7	table	table	NOUN
fsr-3323	258	8	7	7	NUM
fsr-3323	258	9	.	.	PUNCT
fsr-3323	259	1	having	have	VERB
fsr-3323	259	2	a	a	DET
fsr-3323	259	3	designation	designation	NOUN
fsr-3323	259	4	is	be	AUX
fsr-3323	259	5	associated	associate	VERB
fsr-3323	259	6	with	with	ADP
fsr-3323	259	7	lower	low	ADJ
fsr-3323	259	8	misconduct	misconduct	NOUN
fsr-3323	259	9	by	by	ADP
fsr-3323	259	10	all	all	DET
fsr-3323	259	11	three	three	NUM
fsr-3323	259	12	measures	measure	NOUN
fsr-3323	259	13	with	with	ADP
fsr-3323	259	14	high	high	ADJ
fsr-3323	259	15	significance	significance	NOUN
fsr-3323	259	16	in	in	ADP
fsr-3323	259	17	the	the	DET
fsr-3323	259	18	ols	ol	NOUN
fsr-3323	259	19	.	.	PUNCT
fsr-3323	260	1	please	please	INTJ
fsr-3323	260	2	see	see	VERB
fsr-3323	260	3	the	the	DET
fsr-3323	260	4	results	result	NOUN
fsr-3323	260	5	section	section	NOUN
fsr-3323	260	6	for	for	ADP
fsr-3323	260	7	detailed	detailed	ADJ
fsr-3323	260	8	discussion	discussion	NOUN
fsr-3323	260	9	.	.	PUNCT
fsr-3323	261	1	readers	reader	NOUN
fsr-3323	261	2	are	be	AUX
fsr-3323	261	3	reminded	remind	VERB
fsr-3323	261	4	that	that	SCONJ
fsr-3323	261	5	because	because	SCONJ
fsr-3323	261	6	the	the	DET
fsr-3323	261	7	data	datum	NOUN
fsr-3323	261	8	are	be	AUX
fsr-3323	261	9	bounded	bound	VERB
fsr-3323	261	10	at	at	ADP
fsr-3323	261	11	zero	zero	NUM
fsr-3323	261	12	,	,	PUNCT
fsr-3323	261	13	there	there	PRON
fsr-3323	261	14	is	be	VERB
fsr-3323	261	15	a	a	DET
fsr-3323	261	16	non	non	ADJ
fsr-3323	261	17	-	-	ADJ
fsr-3323	261	18	normal	normal	ADJ
fsr-3323	261	19	error	error	NOUN
fsr-3323	261	20	distribution	distribution	NOUN
fsr-3323	261	21	,	,	PUNCT
fsr-3323	261	22	rendering	render	VERB
fsr-3323	261	23	ols	ol	NOUN
fsr-3323	261	24	inappropriate	inappropriate	ADJ
fsr-3323	261	25	as	as	ADP
fsr-3323	261	26	a	a	DET
fsr-3323	261	27	primary	primary	ADJ
fsr-3323	261	28	regression	regression	NOUN
fsr-3323	261	29	technique	technique	NOUN
fsr-3323	261	30	because	because	SCONJ
fsr-3323	261	31	of	of	ADP
fsr-3323	261	32	possible	possible	ADJ
fsr-3323	261	33	gauss	gauss	ADJ
fsr-3323	261	34	-	-	PUNCT
fsr-3323	261	35	markov	markov	NOUN
fsr-3323	261	36	violations	violation	NOUN
fsr-3323	261	37	.	.	PUNCT
fsr-3323	262	1	ols	ol	NOUN
fsr-3323	262	2	is	be	AUX
fsr-3323	262	3	still	still	ADV
fsr-3323	262	4	a	a	DET
fsr-3323	262	5	reasonable	reasonable	ADJ
fsr-3323	262	6	estimator	estimator	NOUN
fsr-3323	262	7	for	for	ADP
fsr-3323	262	8	these	these	DET
fsr-3323	262	9	data	datum	NOUN
fsr-3323	262	10	,	,	PUNCT
fsr-3323	262	11	and	and	CCONJ
fsr-3323	262	12	presented	present	VERB
fsr-3323	262	13	as	as	ADP
fsr-3323	262	14	a	a	DET
fsr-3323	262	15	supplemental	supplemental	ADJ
fsr-3323	262	16	robustness	robustness	NOUN
fsr-3323	262	17	check	check	NOUN
fsr-3323	262	18	on	on	ADP
fsr-3323	262	19	the	the	DET
fsr-3323	262	20	tobit	tobit	NOUN
fsr-3323	262	21	results	result	NOUN
fsr-3323	262	22	.	.	PUNCT
fsr-3323	263	1	logit	logit	PROPN
fsr-3323	263	2	regression	regression	NOUN
fsr-3323	263	3	results	result	NOUN
fsr-3323	263	4	are	be	AUX
fsr-3323	263	5	presented	present	VERB
fsr-3323	263	6	in	in	ADP
fsr-3323	263	7	table	table	NOUN
fsr-3323	263	8	8	8	NUM
fsr-3323	263	9	.	.	PUNCT
fsr-3323	264	1	logit	logit	PROPN
fsr-3323	264	2	interpretations	interpretation	NOUN
fsr-3323	264	3	are	be	AUX
fsr-3323	264	4	different	different	ADJ
fsr-3323	264	5	from	from	ADP
fsr-3323	264	6	typical	typical	ADJ
fsr-3323	264	7	regressions	regression	NOUN
fsr-3323	264	8	such	such	ADJ
fsr-3323	264	9	as	as	ADP
fsr-3323	264	10	ols	ol	NOUN
fsr-3323	264	11	,	,	PUNCT
fsr-3323	264	12	and	and	CCONJ
fsr-3323	264	13	generally	generally	ADV
fsr-3323	264	14	focus	focus	VERB
fsr-3323	264	15	on	on	ADP
fsr-3323	264	16	a	a	DET
fsr-3323	264	17	measure	measure	NOUN
fsr-3323	264	18	called	call	VERB
fsr-3323	264	19	the	the	DET
fsr-3323	264	20	odds	odd	NOUN
fsr-3323	264	21	ratio	ratio	NOUN
fsr-3323	264	22	instead	instead	ADV
fsr-3323	264	23	of	of	ADP
fsr-3323	264	24	regression	regression	NOUN
fsr-3323	264	25	coefficients	coefficient	NOUN
fsr-3323	264	26	.	.	PUNCT
fsr-3323	265	1	essentially	essentially	ADV
fsr-3323	265	2	,	,	PUNCT
fsr-3323	265	3	the	the	DET
fsr-3323	265	4	odds	odd	NOUN
fsr-3323	265	5	ratio	ratio	NOUN
fsr-3323	265	6	gives	give	VERB
fsr-3323	265	7	the	the	DET
fsr-3323	265	8	probability	probability	NOUN
fsr-3323	265	9	that	that	SCONJ
fsr-3323	265	10	a	a	DET
fsr-3323	265	11	specific	specific	ADJ
fsr-3323	265	12	study	study	NOUN
fsr-3323	265	13	iv	iv	NUM
fsr-3323	265	14	is	be	AUX
fsr-3323	265	15	associated	associate	VERB
fsr-3323	265	16	with	with	ADP
fsr-3323	265	17	a	a	DET
fsr-3323	265	18	yes	yes	INTJ
fsr-3323	265	19	or	or	CCONJ
fsr-3323	265	20	no	no	PRON
fsr-3323	265	21	value	value	NOUN
fsr-3323	265	22	for	for	ADP
fsr-3323	265	23	the	the	DET
fsr-3323	265	24	misconduct	misconduct	NOUN
fsr-3323	265	25	dv	dv	PROPN
fsr-3323	265	26	.	.	PUNCT
fsr-3323	266	1	if	if	SCONJ
fsr-3323	266	2	an	an	DET
fsr-3323	266	3	iv	iv	NOUN
fsr-3323	266	4	odds	odd	NOUN
fsr-3323	266	5	ratio	ratio	NOUN
fsr-3323	266	6	is	be	AUX
fsr-3323	266	7	0.25	0.25	NUM
fsr-3323	266	8	for	for	ADP
fsr-3323	266	9	a	a	DET
fsr-3323	266	10	misconduct	misconduct	NOUN
fsr-3323	266	11	measure	measure	NOUN
fsr-3323	266	12	of	of	ADP
fsr-3323	266	13	1	1	NUM
fsr-3323	266	14	or	or	CCONJ
fsr-3323	266	15	yes	yes	INTJ
fsr-3323	266	16	,	,	PUNCT
fsr-3323	266	17	then	then	ADV
fsr-3323	266	18	that	that	DET
fsr-3323	266	19	misconduct	misconduct	NOUN
fsr-3323	266	20	is	be	AUX
fsr-3323	266	21	not	not	PART
fsr-3323	266	22	likely	likely	ADJ
fsr-3323	266	23	to	to	PART
fsr-3323	266	24	be	be	AUX
fsr-3323	266	25	present	present	ADJ
fsr-3323	266	26	,	,	PUNCT
fsr-3323	266	27	and	and	CCONJ
fsr-3323	266	28	this	this	PRON
fsr-3323	266	29	should	should	AUX
fsr-3323	266	30	be	be	AUX
fsr-3323	266	31	interpreted	interpret	VERB
fsr-3323	266	32	as	as	ADP
fsr-3323	266	33	a	a	DET
fsr-3323	266	34	good	good	ADJ
fsr-3323	266	35	or	or	CCONJ
fsr-3323	266	36	75	75	NUM
fsr-3323	266	37	%	%	NOUN
fsr-3323	266	38	chance	chance	NOUN
fsr-3323	266	39	that	that	SCONJ
fsr-3323	266	40	a	a	DET
fsr-3323	266	41	particular	particular	ADJ
fsr-3323	266	42	subject	subject	NOUN
fsr-3323	266	43	does	do	AUX
fsr-3323	266	44	not	not	PART
fsr-3323	266	45	have	have	AUX
fsr-3323	266	46	this	this	DET
fsr-3323	266	47	misconduct	misconduct	NOUN
fsr-3323	266	48	disclosed	disclose	VERB
fsr-3323	266	49	compared	compare	VERB
fsr-3323	266	50	with	with	ADP
fsr-3323	266	51	a	a	DET
fsr-3323	266	52	subject	subject	NOUN
fsr-3323	266	53	that	that	PRON
fsr-3323	266	54	lacks	lack	VERB
fsr-3323	266	55	the	the	DET
fsr-3323	266	56	categorical	categorical	ADJ
fsr-3323	266	57	iv	iv	NUM
fsr-3323	266	58	.	.	PUNCT
fsr-3323	266	59	odds	odd	NOUN
fsr-3323	266	60	ratios	ratio	NOUN
fsr-3323	266	61	lower	low	ADJ
fsr-3323	266	62	than	than	ADP
fsr-3323	266	63	one	one	NUM
fsr-3323	266	64	are	be	AUX
fsr-3323	266	65	proportionately	proportionately	ADV
fsr-3323	266	66	associated	associate	VERB
fsr-3323	266	67	with	with	ADP
fsr-3323	266	68	less	less	ADJ
fsr-3323	266	69	likelihood	likelihood	NOUN
fsr-3323	266	70	of	of	ADP
fsr-3323	266	71	the	the	DET
fsr-3323	266	72	condition	condition	NOUN
fsr-3323	266	73	being	be	AUX
fsr-3323	266	74	present	present	ADJ
fsr-3323	266	75	,	,	PUNCT
fsr-3323	266	76	and	and	CCONJ
fsr-3323	266	77	those	those	PRON
fsr-3323	266	78	higher	high	ADJ
fsr-3323	266	79	than	than	ADP
fsr-3323	266	80	one	one	NUM
fsr-3323	266	81	with	with	ADP
fsr-3323	266	82	proportionately	proportionately	ADV
fsr-3323	266	83	greater	great	ADJ
fsr-3323	266	84	likelihoods	likelihood	NOUN
fsr-3323	266	85	;	;	PUNCT
fsr-3323	266	86	those	those	PRON
fsr-3323	266	87	close	close	ADJ
fsr-3323	266	88	to	to	ADP
fsr-3323	266	89	one	one	NUM
fsr-3323	266	90	are	be	AUX
fsr-3323	266	91	analogous	analogous	ADJ
fsr-3323	266	92	to	to	ADP
fsr-3323	266	93	zero	zero	NUM
fsr-3323	266	94	coefficients	coefficient	NOUN
fsr-3323	266	95	in	in	ADP
fsr-3323	266	96	typical	typical	ADJ
fsr-3323	266	97	regressions	regression	NOUN
fsr-3323	266	98	.	.	PUNCT
fsr-3323	267	1	the	the	DET
fsr-3323	267	2	odds	odd	NOUN
fsr-3323	267	3	ratios	ratio	NOUN
fsr-3323	267	4	results	result	NOUN
fsr-3323	267	5	here	here	ADV
fsr-3323	267	6	show	show	VERB
fsr-3323	267	7	a	a	DET
fsr-3323	267	8	reduced	reduced	ADJ
fsr-3323	267	9	probability	probability	NOUN
fsr-3323	267	10	of	of	ADP
fsr-3323	267	11	all	all	DET
fsr-3323	267	12	three	three	NUM
fsr-3323	267	13	measures	measure	NOUN
fsr-3323	267	14	of	of	ADP
fsr-3323	267	15	misconduct	misconduct	NOUN
fsr-3323	267	16	associated	associate	VERB
fsr-3323	267	17	with	with	ADP
fsr-3323	267	18	having	have	VERB
fsr-3323	267	19	at	at	ADV
fsr-3323	267	20	least	least	ADV
fsr-3323	267	21	one	one	NUM
fsr-3323	267	22	study	study	NOUN
fsr-3323	267	23	designation	designation	NOUN
fsr-3323	267	24	,	,	PUNCT
fsr-3323	267	25	all	all	ADV
fsr-3323	267	26	with	with	ADP
fsr-3323	267	27	high	high	ADJ
fsr-3323	267	28	significance	significance	NOUN
fsr-3323	267	29	.	.	PUNCT
fsr-3323	268	1	probabilities	probability	NOUN
fsr-3323	268	2	of	of	ADP
fsr-3323	268	3	higher	high	ADJ
fsr-3323	268	4	misconduct	misconduct	NOUN
fsr-3323	268	5	for	for	ADP
fsr-3323	268	6	all	all	DET
fsr-3323	268	7	measures	measure	NOUN
fsr-3323	268	8	are	be	AUX
fsr-3323	268	9	associated	associate	VERB
fsr-3323	268	10	with	with	ADP
fsr-3323	268	11	maleness	maleness	NOUN
fsr-3323	268	12	,	,	PUNCT
fsr-3323	268	13	dual	dual	ADJ
fsr-3323	268	14	iar	iar	NOUN
fsr-3323	268	15	registration	registration	NOUN
fsr-3323	268	16	,	,	PUNCT
fsr-3323	268	17	and	and	CCONJ
fsr-3323	268	18	table	table	NOUN
fsr-3323	268	19	7	7	NUM
fsr-3323	268	20	ols	ol	NOUN
fsr-3323	268	21	dis	dis	PROPN
fsr-3323	268	22	,	,	PUNCT
fsr-3323	268	23	adis	adis	PROPN
fsr-3323	268	24	,	,	PUNCT
fsr-3323	268	25	and	and	CCONJ
fsr-3323	268	26	cad	cad	PROPN
fsr-3323	268	27	variable	variable	ADJ
fsr-3323	268	28	coefficients	coefficient	NOUN
fsr-3323	268	29	,	,	PUNCT
fsr-3323	268	30	significance	significance	NOUN
fsr-3323	268	31	,	,	PUNCT
fsr-3323	268	32	and	and	CCONJ
fsr-3323	268	33	(	(	PUNCT
fsr-3323	268	34	standard	standard	ADJ
fsr-3323	268	35	errors	error	NOUN
fsr-3323	268	36	)	)	PUNCT
fsr-3323	268	37	by	by	ADP
fsr-3323	268	38	years	year	NOUN
fsr-3323	268	39	registered	register	VERB
fsr-3323	268	40	,	,	PUNCT
fsr-3323	268	41	age	age	NOUN
fsr-3323	268	42	,	,	PUNCT
fsr-3323	268	43	gender	gender	NOUN
fsr-3323	268	44	,	,	PUNCT
fsr-3323	268	45	employment	employment	NOUN
fsr-3323	268	46	status	status	NOUN
fsr-3323	268	47	,	,	PUNCT
fsr-3323	268	48	iar	iar	PROPN
fsr-3323	268	49	and	and	CCONJ
fsr-3323	268	50	insurance	insurance	NOUN
fsr-3323	268	51	licensure	licensure	NOUN
fsr-3323	268	52	status	status	NOUN
fsr-3323	268	53	,	,	PUNCT
fsr-3323	268	54	and	and	CCONJ
fsr-3323	268	55	presence	presence	NOUN
fsr-3323	268	56	of	of	ADP
fsr-3323	268	57	at	at	ADV
fsr-3323	268	58	least	least	ADV
fsr-3323	268	59	one	one	NUM
fsr-3323	268	60	study	study	NOUN
fsr-3323	268	61	designation	designation	NOUN
fsr-3323	268	62	independent	independent	ADJ
fsr-3323	268	63	variable	variable	ADJ
fsr-3323	268	64	dis	dis	PROPN
fsr-3323	268	65	adis	adis	PROPN
fsr-3323	268	66	cad	cad	PROPN
fsr-3323	268	67	years	year	NOUN
fsr-3323	268	68	registered	register	VERB
fsr-3323	268	69	0.077	0.077	NUM
fsr-3323	268	70	*	*	PUNCT
fsr-3323	268	71	*	*	PUNCT
fsr-3323	268	72	*	*	PUNCT
fsr-3323	269	1	0.080	0.080	NUM
fsr-3323	269	2	*	*	PUNCT
fsr-3323	269	3	*	*	PUNCT
fsr-3323	269	4	*	*	PUNCT
fsr-3323	269	5	0.076	0.076	NUM
fsr-3323	269	6	*	*	PUNCT
fsr-3323	269	7	*	*	PUNCT
fsr-3323	269	8	*	*	PUNCT
fsr-3323	269	9	(	(	PUNCT
fsr-3323	269	10	0.002	0.002	NUM
fsr-3323	269	11	)	)	PUNCT
fsr-3323	269	12	(	(	PUNCT
fsr-3323	269	13	0.002	0.002	NUM
fsr-3323	269	14	)	)	PUNCT
fsr-3323	269	15	(	(	PUNCT
fsr-3323	269	16	0.002	0.002	NUM
fsr-3323	269	17	)	)	PUNCT
fsr-3323	269	18	age	age	NOUN
fsr-3323	269	19	�	�	PROPN
fsr-3323	269	20	0.003	0.003	NUM
fsr-3323	269	21	*	*	PUNCT
fsr-3323	269	22	�	�	PROPN
fsr-3323	269	23	0.005	0.005	NUM
fsr-3323	269	24	*	*	PUNCT
fsr-3323	269	25	*	*	PUNCT
fsr-3323	269	26	*	*	PUNCT
fsr-3323	269	27	�	�	NOUN
fsr-3323	269	28	0.005	0.005	NUM
fsr-3323	269	29	*	*	PUNCT
fsr-3323	269	30	*	*	PUNCT
fsr-3323	269	31	*	*	PUNCT
fsr-3323	269	32	(	(	PUNCT
fsr-3323	269	33	0.002	0.002	NUM
fsr-3323	269	34	)	)	PUNCT
fsr-3323	269	35	(	(	PUNCT
fsr-3323	269	36	0.002	0.002	NUM
fsr-3323	269	37	)	)	PUNCT
fsr-3323	269	38	(	(	PUNCT
fsr-3323	269	39	0.002	0.002	NUM
fsr-3323	269	40	)	)	PUNCT
fsr-3323	269	41	gender	gender	NOUN
fsr-3323	269	42	0.456	0.456	NUM
fsr-3323	269	43	*	*	PUNCT
fsr-3323	269	44	*	*	PUNCT
fsr-3323	269	45	*	*	PUNCT
fsr-3323	269	46	0.424	0.424	NUM
fsr-3323	269	47	*	*	PUNCT
fsr-3323	269	48	*	*	PUNCT
fsr-3323	269	49	*	*	PUNCT
fsr-3323	269	50	0.372	0.372	NUM
fsr-3323	269	51	*	*	PUNCT
fsr-3323	269	52	*	*	PUNCT
fsr-3323	269	53	*	*	PUNCT
fsr-3323	269	54	(	(	PUNCT
fsr-3323	269	55	0.040	0.040	NUM
fsr-3323	269	56	)	)	PUNCT
fsr-3323	269	57	(	(	PUNCT
fsr-3323	269	58	0.037	0.037	NUM
fsr-3323	269	59	)	)	PUNCT
fsr-3323	269	60	(	(	PUNCT
fsr-3323	269	61	0.035	0.035	NUM
fsr-3323	269	62	)	)	PUNCT
fsr-3323	269	63	independent	independent	ADJ
fsr-3323	269	64	contractor	contractor	NOUN
fsr-3323	269	65	0.046	0.046	NUM
fsr-3323	269	66	—	—	PUNCT
fsr-3323	269	67	�	�	PROPN
fsr-3323	269	68	0.077	0.077	NUM
fsr-3323	269	69	*	*	PUNCT
fsr-3323	269	70	*	*	PUNCT
fsr-3323	269	71	�	�	PROPN
fsr-3323	269	72	0.053	0.053	NUM
fsr-3323	269	73	—	—	PUNCT
fsr-3323	269	74	(	(	PUNCT
fsr-3323	269	75	0.038	0.038	NUM
fsr-3323	269	76	)	)	PUNCT
fsr-3323	269	77	(	(	PUNCT
fsr-3323	269	78	0.036	0.036	NUM
fsr-3323	269	79	)	)	PUNCT
fsr-3323	269	80	(	(	PUNCT
fsr-3323	269	81	0.034	0.034	NUM
fsr-3323	269	82	)	)	PUNCT
fsr-3323	269	83	iar	iar	NOUN
fsr-3323	269	84	0.141	0.141	NUM
fsr-3323	269	85	*	*	PUNCT
fsr-3323	269	86	*	*	PUNCT
fsr-3323	269	87	*	*	PUNCT
fsr-3323	269	88	0.134	0.134	NUM
fsr-3323	269	89	*	*	PUNCT
fsr-3323	269	90	*	*	PUNCT
fsr-3323	269	91	*	*	PUNCT
fsr-3323	269	92	0.102	0.102	NUM
fsr-3323	269	93	*	*	PUNCT
fsr-3323	269	94	*	*	PUNCT
fsr-3323	269	95	*	*	PUNCT
fsr-3323	269	96	(	(	PUNCT
fsr-3323	269	97	0.036	0.036	NUM
fsr-3323	269	98	)	)	PUNCT
fsr-3323	269	99	(	(	PUNCT
fsr-3323	269	100	0.034	0.034	NUM
fsr-3323	269	101	)	)	PUNCT
fsr-3323	269	102	(	(	PUNCT
fsr-3323	269	103	0.032	0.032	NUM
fsr-3323	269	104	)	)	PUNCT
fsr-3323	269	105	insurance	insurance	NOUN
fsr-3323	269	106	license	license	NOUN
fsr-3323	269	107	0.050	0.050	NUM
fsr-3323	269	108	—	—	PUNCT
fsr-3323	269	109	0.053	0.053	NUM
fsr-3323	269	110	—	—	PUNCT
fsr-3323	269	111	�	�	NOUN
fsr-3323	269	112	0.001	0.001	NUM
fsr-3323	269	113	—	—	PUNCT
fsr-3323	269	114	(	(	PUNCT
fsr-3323	269	115	0.040	0.040	NUM
fsr-3323	269	116	)	)	PUNCT
fsr-3323	269	117	(	(	PUNCT
fsr-3323	269	118	0.037	0.037	NUM
fsr-3323	269	119	)	)	PUNCT
fsr-3323	269	120	(	(	PUNCT
fsr-3323	269	121	0.035	0.035	NUM
fsr-3323	269	122	)	)	PUNCT
fsr-3323	269	123	any	any	DET
fsr-3323	269	124	designation	designation	NOUN
fsr-3323	269	125	�	�	NOUN
fsr-3323	269	126	0.375	0.375	NUM
fsr-3323	269	127	*	*	PUNCT
fsr-3323	269	128	*	*	PUNCT
fsr-3323	269	129	*	*	PUNCT
fsr-3323	269	130	�	�	PROPN
fsr-3323	269	131	0.292	0.292	NUM
fsr-3323	269	132	*	*	PUNCT
fsr-3323	269	133	*	*	PUNCT
fsr-3323	269	134	*	*	PUNCT
fsr-3323	269	135	�	�	PROPN
fsr-3323	269	136	0.261	0.261	NUM
fsr-3323	269	137	*	*	PUNCT
fsr-3323	269	138	*	*	PUNCT
fsr-3323	269	139	*	*	PUNCT
fsr-3323	269	140	(	(	PUNCT
fsr-3323	269	141	0.055	0.055	NUM
fsr-3323	269	142	)	)	PUNCT
fsr-3323	269	143	(	(	PUNCT
fsr-3323	269	144	0.052	0.052	NUM
fsr-3323	269	145	)	)	PUNCT
fsr-3323	269	146	(	(	PUNCT
fsr-3323	269	147	0.049	0.049	NUM
fsr-3323	269	148	)	)	PUNCT
fsr-3323	269	149	iar	iar	PROPN
fsr-3323	269	150	�	�	PROPN
fsr-3323	269	151	investment	investment	PROPN
fsr-3323	269	152	advisor	advisor	NOUN
fsr-3323	269	153	representatives	representative	NOUN
fsr-3323	269	154	.	.	PUNCT
fsr-3323	270	1	*	*	PUNCT
fsr-3323	270	2	,	,	PUNCT
fsr-3323	270	3	*	*	PUNCT
fsr-3323	270	4	*	*	PUNCT
fsr-3323	270	5	,	,	PUNCT
fsr-3323	270	6	*	*	PUNCT
fsr-3323	270	7	*	*	PUNCT
fsr-3323	270	8	*	*	PUNCT
fsr-3323	270	9	left	leave	VERB
fsr-3323	270	10	-	-	PUNCT
fsr-3323	270	11	adjacent	adjacent	ADJ
fsr-3323	270	12	coefficient	coefficient	NOUN
fsr-3323	270	13	significant	significant	ADJ
fsr-3323	270	14	at	at	ADP
fsr-3323	270	15	the	the	DET
fsr-3323	270	16	less	less	ADV
fsr-3323	270	17	-	-	PUNCT
fsr-3323	270	18	than	than	ADP
fsr-3323	270	19	10	10	NUM
fsr-3323	270	20	%	%	NOUN
fsr-3323	270	21	,	,	PUNCT
fsr-3323	270	22	5	5	NUM
fsr-3323	270	23	%	%	NOUN
fsr-3323	270	24	,	,	PUNCT
fsr-3323	270	25	or	or	CCONJ
fsr-3323	270	26	1	1	NUM
fsr-3323	270	27	%	%	NOUN
fsr-3323	270	28	level	level	NOUN
fsr-3323	270	29	,	,	PUNCT
fsr-3323	270	30	respectively	respectively	ADV
fsr-3323	270	31	.	.	PUNCT
fsr-3323	271	1	associated	associate	VERB
fsr-3323	271	2	standard	standard	ADJ
fsr-3323	271	3	error	error	NOUN
fsr-3323	271	4	appears	appear	VERB
fsr-3323	271	5	beneath	beneath	ADP
fsr-3323	271	6	the	the	DET
fsr-3323	271	7	corresponding	corresponding	ADJ
fsr-3323	271	8	coefficient	coefficient	NOUN
fsr-3323	271	9	in	in	ADP
fsr-3323	271	10	parentheses	parenthesis	NOUN
fsr-3323	271	11	.	.	PUNCT
fsr-3323	272	1	cad	cad	PROPN
fsr-3323	272	2	is	be	AUX
fsr-3323	272	3	for	for	ADP
fsr-3323	272	4	culpable	culpable	ADJ
fsr-3323	272	5	advisory	advisory	ADJ
fsr-3323	272	6	disclosure	disclosure	NOUN
fsr-3323	272	7	and	and	CCONJ
fsr-3323	272	8	measures	measure	NOUN
fsr-3323	272	9	regulatory	regulatory	ADJ
fsr-3323	272	10	or	or	CCONJ
fsr-3323	272	11	judicial	judicial	ADJ
fsr-3323	272	12	findings	finding	NOUN
fsr-3323	272	13	or	or	CCONJ
fsr-3323	272	14	other	other	ADJ
fsr-3323	272	15	strong	strong	ADJ
fsr-3323	272	16	indications	indication	NOUN
fsr-3323	272	17	of	of	ADP
fsr-3323	272	18	clear	clear	ADJ
fsr-3323	272	19	advisory	advisory	ADJ
fsr-3323	272	20	-	-	PUNCT
fsr-3323	272	21	related	relate	VERB
fsr-3323	272	22	misconduct	misconduct	NOUN
fsr-3323	272	23	.	.	PUNCT
fsr-3323	273	1	adis	adis	PROPN
fsr-3323	273	2	is	be	AUX
fsr-3323	273	3	for	for	ADP
fsr-3323	273	4	advisory	advisory	ADJ
fsr-3323	273	5	disclosure	disclosure	NOUN
fsr-3323	273	6	incidence	incidence	NOUN
fsr-3323	273	7	score	score	NOUN
fsr-3323	273	8	and	and	CCONJ
fsr-3323	273	9	measures	measure	VERB
fsr-3323	273	10	allegations	allegation	NOUN
fsr-3323	273	11	and	and	CCONJ
fsr-3323	273	12	findings	finding	NOUN
fsr-3323	273	13	of	of	ADP
fsr-3323	273	14	advisory	advisory	ADJ
fsr-3323	273	15	-	-	PUNCT
fsr-3323	273	16	related	relate	VERB
fsr-3323	273	17	misconduct	misconduct	NOUN
fsr-3323	273	18	.	.	PUNCT
fsr-3323	274	1	dis	dis	PROPN
fsr-3323	274	2	is	be	AUX
fsr-3323	274	3	for	for	ADP
fsr-3323	274	4	disclosure	disclosure	NOUN
fsr-3323	274	5	incidence	incidence	NOUN
fsr-3323	274	6	score	score	NOUN
fsr-3323	274	7	and	and	CCONJ
fsr-3323	274	8	measures	measure	VERB
fsr-3323	274	9	allegations	allegation	NOUN
fsr-3323	274	10	and	and	CCONJ
fsr-3323	274	11	findings	finding	NOUN
fsr-3323	274	12	of	of	ADP
fsr-3323	274	13	advisory	advisory	ADJ
fsr-3323	274	14	-	-	PUNCT
fsr-3323	274	15	and	and	CCONJ
fsr-3323	274	16	non	non	ADJ
fsr-3323	274	17	-	-	ADJ
fsr-3323	274	18	advisory	advisory	ADJ
fsr-3323	274	19	–	–	PUNCT
fsr-3323	274	20	related	relate	VERB
fsr-3323	274	21	misconduct	misconduct	NOUN
fsr-3323	274	22	.	.	PUNCT
fsr-3323	275	1	b	b	X
fsr-3323	275	2	-	-	PUNCT
fsr-3323	275	3	versions	version	NOUN
fsr-3323	275	4	of	of	ADP
fsr-3323	275	5	dis	dis	PROPN
fsr-3323	275	6	,	,	PUNCT
fsr-3323	275	7	adis	adis	PROPN
fsr-3323	275	8	,	,	PUNCT
fsr-3323	275	9	and	and	CCONJ
fsr-3323	275	10	cad	cad	PROPN
fsr-3323	275	11	are	be	AUX
fsr-3323	275	12	binary	binary	ADJ
fsr-3323	275	13	transformations	transformation	NOUN
fsr-3323	275	14	of	of	ADP
fsr-3323	275	15	the	the	DET
fsr-3323	275	16	corresponding	corresponding	ADJ
fsr-3323	275	17	continuous	continuous	ADJ
fsr-3323	275	18	variables	variable	NOUN
fsr-3323	275	19	.	.	PUNCT
fsr-3323	276	1	284	284	NUM
fsr-3323	276	2	j.m	j.m	PROPN
fsr-3323	276	3	.	.	PROPN
fsr-3323	276	4	camarda	camarda	PROPN
fsr-3323	276	5	/	/	SYM
fsr-3323	276	6	financial	financial	ADJ
fsr-3323	276	7	services	service	NOUN
fsr-3323	276	8	review	review	VERB
fsr-3323	276	9	26	26	NUM
fsr-3323	276	10	(	(	PUNCT
fsr-3323	276	11	2017	2017	NUM
fsr-3323	276	12	)	)	PUNCT
fsr-3323	277	1	271–290	271–290	NUM
fsr-3323	277	2	insurance	insurance	NOUN
fsr-3323	277	3	licensure	licensure	NOUN
fsr-3323	277	4	.	.	PUNCT
fsr-3323	278	1	please	please	INTJ
fsr-3323	278	2	see	see	VERB
fsr-3323	278	3	the	the	DET
fsr-3323	278	4	results	result	NOUN
fsr-3323	278	5	section	section	NOUN
fsr-3323	278	6	for	for	ADP
fsr-3323	278	7	detailed	detailed	ADJ
fsr-3323	278	8	discussion	discussion	NOUN
fsr-3323	278	9	.	.	PUNCT
fsr-3323	279	1	logit	logit	PROPN
fsr-3323	279	2	is	be	AUX
fsr-3323	279	3	the	the	DET
fsr-3323	279	4	primary	primary	ADJ
fsr-3323	279	5	robustness	robustness	NOUN
fsr-3323	279	6	check	check	NOUN
fsr-3323	279	7	as	as	ADP
fsr-3323	279	8	unlike	unlike	ADP
fsr-3323	279	9	for	for	ADP
fsr-3323	279	10	ols	ol	NOUN
fsr-3323	279	11	,	,	PUNCT
fsr-3323	279	12	the	the	DET
fsr-3323	279	13	data	datum	NOUN
fsr-3323	279	14	can	can	AUX
fsr-3323	279	15	be	be	AUX
fsr-3323	279	16	made	make	VERB
fsr-3323	279	17	appropriate	appropriate	ADJ
fsr-3323	279	18	to	to	ADP
fsr-3323	279	19	the	the	DET
fsr-3323	279	20	logit	logit	NOUN
fsr-3323	279	21	technique	technique	NOUN
fsr-3323	279	22	via	via	ADP
fsr-3323	279	23	binary	binary	ADJ
fsr-3323	279	24	transformations	transformation	NOUN
fsr-3323	279	25	.	.	PUNCT
fsr-3323	280	1	logit	logit	PROPN
fsr-3323	280	2	odds	odd	NOUN
fsr-3323	280	3	ratios	ratio	NOUN
fsr-3323	280	4	(	(	PUNCT
fsr-3323	280	5	�	�	NOUN
fsr-3323	280	6	)	)	PUNCT
fsr-3323	280	7	as	as	SCONJ
fsr-3323	280	8	the	the	DET
fsr-3323	280	9	probability	probability	NOUN
fsr-3323	280	10	of	of	ADP
fsr-3323	280	11	misconduct	misconduct	NOUN
fsr-3323	280	12	are	be	AUX
fsr-3323	280	13	discussed	discuss	VERB
fsr-3323	280	14	,	,	PUNCT
fsr-3323	280	15	and	and	CCONJ
fsr-3323	280	16	�	�	NOUN
fsr-3323	280	17	plots	plot	NOUN
fsr-3323	280	18	are	be	AUX
fsr-3323	280	19	provided	provide	VERB
fsr-3323	280	20	in	in	ADP
fsr-3323	280	21	figs	fig	NOUN
fsr-3323	280	22	.	.	PUNCT
fsr-3323	281	1	3	3	NUM
fsr-3323	281	2	(	(	PUNCT
fsr-3323	281	3	b	b	X
fsr-3323	281	4	-	-	PUNCT
fsr-3323	281	5	dis	dis	PROPN
fsr-3323	281	6	)	)	PUNCT
fsr-3323	281	7	,	,	PUNCT
fsr-3323	281	8	4	4	NUM
fsr-3323	281	9	(	(	PUNCT
fsr-3323	281	10	b	b	X
fsr-3323	281	11	-	-	PUNCT
fsr-3323	281	12	adis	adis	NOUN
fsr-3323	281	13	)	)	PUNCT
fsr-3323	281	14	and	and	CCONJ
fsr-3323	281	15	5	5	NUM
fsr-3323	281	16	(	(	PUNCT
fsr-3323	281	17	b	b	X
fsr-3323	281	18	-	-	PUNCT
fsr-3323	281	19	cad	cad	NOUN
fsr-3323	281	20	)	)	PUNCT
fsr-3323	281	21	.	.	PUNCT
fsr-3323	282	1	as	as	SCONJ
fsr-3323	282	2	seen	see	VERB
fsr-3323	282	3	in	in	ADP
fsr-3323	282	4	fig	fig	NOUN
fsr-3323	282	5	.	.	PUNCT
fsr-3323	283	1	3	3	NUM
fsr-3323	283	2	for	for	ADP
fsr-3323	283	3	b	b	PROPN
fsr-3323	283	4	-	-	PUNCT
fsr-3323	283	5	dis	dis	PROPN
fsr-3323	283	6	,	,	PUNCT
fsr-3323	283	7	the	the	DET
fsr-3323	283	8	odds	odd	NOUN
fsr-3323	283	9	of	of	ADP
fsr-3323	283	10	misconduct	misconduct	NOUN
fsr-3323	283	11	go	go	VERB
fsr-3323	283	12	down	down	ADP
fsr-3323	283	13	with	with	ADP
fsr-3323	283	14	a	a	DET
fsr-3323	283	15	study	study	NOUN
fsr-3323	283	16	designation	designation	NOUN
fsr-3323	283	17	,	,	PUNCT
fsr-3323	283	18	but	but	CCONJ
fsr-3323	283	19	meaningfully	meaningfully	ADV
fsr-3323	283	20	up	up	ADP
fsr-3323	283	21	for	for	ADP
fsr-3323	283	22	dual	dual	ADJ
fsr-3323	283	23	rr	rr	NOUN
fsr-3323	283	24	/	/	NOUN
fsr-3323	283	25	iars	iar	NOUN
fsr-3323	283	26	,	,	PUNCT
fsr-3323	283	27	insurance	insurance	NOUN
fsr-3323	283	28	licensure	licensure	NOUN
fsr-3323	283	29	,	,	PUNCT
fsr-3323	283	30	and	and	CCONJ
fsr-3323	283	31	for	for	ADP
fsr-3323	283	32	maleness	maleness	NOUN
fsr-3323	283	33	,	,	PUNCT
fsr-3323	283	34	with	with	ADP
fsr-3323	283	35	the	the	DET
fsr-3323	283	36	latter	latter	ADJ
fsr-3323	283	37	quite	quite	ADV
fsr-3323	283	38	pronounced	pronounced	ADJ
fsr-3323	283	39	.	.	PUNCT
fsr-3323	284	1	fig	fig	NOUN
fsr-3323	284	2	.	.	PUNCT
fsr-3323	285	1	4	4	NUM
fsr-3323	285	2	,	,	PUNCT
fsr-3323	285	3	the	the	DET
fsr-3323	285	4	odds	odd	NOUN
fsr-3323	285	5	ratios	ratio	NOUN
fsr-3323	285	6	for	for	ADP
fsr-3323	285	7	b	b	PROPN
fsr-3323	285	8	-	-	PUNCT
fsr-3323	285	9	adis	adis	PROPN
fsr-3323	285	10	,	,	PUNCT
fsr-3323	285	11	shows	show	VERB
fsr-3323	285	12	the	the	DET
fsr-3323	285	13	probability	probability	NOUN
fsr-3323	285	14	of	of	ADP
fsr-3323	285	15	misconduct	misconduct	NOUN
fsr-3323	285	16	goes	go	VERB
fsr-3323	285	17	down	down	ADP
fsr-3323	285	18	with	with	ADP
fsr-3323	285	19	a	a	DET
fsr-3323	285	20	study	study	NOUN
fsr-3323	285	21	designation	designation	NOUN
fsr-3323	285	22	,	,	PUNCT
fsr-3323	285	23	but	but	CCONJ
fsr-3323	285	24	substantially	substantially	ADV
fsr-3323	285	25	up	up	ADP
fsr-3323	285	26	for	for	ADP
fsr-3323	285	27	dual	dual	ADJ
fsr-3323	285	28	rr	rr	NOUN
fsr-3323	285	29	/	/	NOUN
fsr-3323	285	30	iars	iar	NOUN
fsr-3323	285	31	,	,	PUNCT
fsr-3323	285	32	insurance	insurance	NOUN
fsr-3323	285	33	licensure	licensure	NOUN
fsr-3323	285	34	,	,	PUNCT
fsr-3323	285	35	and	and	CCONJ
fsr-3323	285	36	for	for	ADP
fsr-3323	285	37	maleness	maleness	NOUN
fsr-3323	285	38	,	,	PUNCT
fsr-3323	285	39	with	with	SCONJ
fsr-3323	285	40	the	the	DET
fsr-3323	285	41	latter	latter	ADJ
fsr-3323	285	42	two	two	NUM
fsr-3323	285	43	quite	quite	ADV
fsr-3323	285	44	pronounced	pronounced	ADJ
fsr-3323	285	45	.	.	PUNCT
fsr-3323	286	1	in	in	ADP
fsr-3323	286	2	fig	fig	NOUN
fsr-3323	286	3	.	.	PUNCT
fsr-3323	287	1	5	5	NUM
fsr-3323	287	2	,	,	PUNCT
fsr-3323	287	3	for	for	ADP
fsr-3323	287	4	b	b	PROPN
fsr-3323	287	5	-	-	PUNCT
fsr-3323	287	6	cad	cad	NOUN
fsr-3323	287	7	,	,	PUNCT
fsr-3323	287	8	the	the	DET
fsr-3323	287	9	odds	odd	NOUN
fsr-3323	287	10	of	of	ADP
fsr-3323	287	11	misconduct	misconduct	NOUN
fsr-3323	287	12	go	go	VERB
fsr-3323	287	13	down	down	ADP
fsr-3323	287	14	with	with	ADP
fsr-3323	287	15	a	a	DET
fsr-3323	287	16	study	study	NOUN
fsr-3323	287	17	designation	designation	NOUN
fsr-3323	287	18	,	,	PUNCT
fsr-3323	287	19	but	but	CCONJ
fsr-3323	287	20	substantially	substantially	ADV
fsr-3323	287	21	up	up	ADP
fsr-3323	287	22	for	for	ADP
fsr-3323	287	23	dual	dual	ADJ
fsr-3323	287	24	rr	rr	NOUN
fsr-3323	287	25	/	/	NOUN
fsr-3323	287	26	iars	iar	NOUN
fsr-3323	287	27	,	,	PUNCT
fsr-3323	287	28	insurance	insurance	NOUN
fsr-3323	287	29	licensure	licensure	NOUN
fsr-3323	287	30	,	,	PUNCT
fsr-3323	287	31	and	and	CCONJ
fsr-3323	287	32	for	for	ADP
fsr-3323	287	33	maleness	maleness	NOUN
fsr-3323	287	34	,	,	PUNCT
fsr-3323	287	35	with	with	SCONJ
fsr-3323	287	36	the	the	DET
fsr-3323	287	37	latter	latter	ADJ
fsr-3323	287	38	two	two	NUM
fsr-3323	287	39	quite	quite	ADV
fsr-3323	287	40	pronounced	pronounce	VERB
fsr-3323	287	41	.	.	PUNCT
fsr-3323	288	1	as	as	SCONJ
fsr-3323	288	2	seen	see	VERB
fsr-3323	288	3	in	in	ADP
fsr-3323	288	4	these	these	DET
fsr-3323	288	5	three	three	NUM
fsr-3323	288	6	figures	figure	NOUN
fsr-3323	288	7	,	,	PUNCT
fsr-3323	288	8	logit	logit	PROPN
fsr-3323	288	9	results	result	NOUN
fsr-3323	288	10	are	be	AUX
fsr-3323	288	11	very	very	ADV
fsr-3323	288	12	consistent	consistent	ADJ
fsr-3323	288	13	for	for	ADP
fsr-3323	288	14	each	each	DET
fsr-3323	288	15	misconduct	misconduct	NOUN
fsr-3323	288	16	measure	measure	NOUN
fsr-3323	288	17	;	;	PUNCT
fsr-3323	288	18	please	please	INTJ
fsr-3323	288	19	see	see	VERB
fsr-3323	288	20	results	result	NOUN
fsr-3323	288	21	section	section	NOUN
fsr-3323	288	22	for	for	ADP
fsr-3323	288	23	detailed	detailed	ADJ
fsr-3323	288	24	discussion	discussion	NOUN
fsr-3323	288	25	.	.	PUNCT
fsr-3323	289	1	10	10	NUM
fsr-3323	289	2	.	.	PUNCT
fsr-3323	289	3	results	result	VERB
fsr-3323	289	4	discussion	discussion	NOUN
fsr-3323	289	5	,	,	PUNCT
fsr-3323	289	6	summary	summary	NOUN
fsr-3323	289	7	,	,	PUNCT
fsr-3323	289	8	and	and	CCONJ
fsr-3323	289	9	conclusions	conclusion	NOUN
fsr-3323	289	10	dis	dis	PROPN
fsr-3323	289	11	is	be	AUX
fsr-3323	289	12	this	this	DET
fsr-3323	289	13	study	study	NOUN
fsr-3323	289	14	’s	’s	PART
fsr-3323	289	15	broadest	broad	ADJ
fsr-3323	289	16	measure	measure	NOUN
fsr-3323	289	17	of	of	ADP
fsr-3323	289	18	misconduct	misconduct	NOUN
fsr-3323	289	19	disclosure	disclosure	NOUN
fsr-3323	289	20	,	,	PUNCT
fsr-3323	289	21	including	include	VERB
fsr-3323	289	22	all	all	DET
fsr-3323	289	23	items	item	NOUN
fsr-3323	289	24	both	both	CCONJ
fsr-3323	289	25	advisory	advisory	ADJ
fsr-3323	289	26	and	and	CCONJ
fsr-3323	289	27	non	non	ADJ
fsr-3323	289	28	-	-	ADJ
fsr-3323	289	29	advisory	advisory	ADJ
fsr-3323	289	30	–	–	PUNCT
fsr-3323	289	31	related	relate	VERB
fsr-3323	289	32	and	and	CCONJ
fsr-3323	289	33	including	include	VERB
fsr-3323	289	34	allegations	allegation	NOUN
fsr-3323	289	35	as	as	ADV
fsr-3323	289	36	well	well	ADV
fsr-3323	289	37	as	as	ADP
fsr-3323	289	38	findings	finding	NOUN
fsr-3323	289	39	of	of	ADP
fsr-3323	289	40	misconduct	misconduct	NOUN
fsr-3323	289	41	.	.	PUNCT
fsr-3323	290	1	having	have	VERB
fsr-3323	290	2	any	any	DET
fsr-3323	290	3	study	study	NOUN
fsr-3323	290	4	designation	designation	NOUN
fsr-3323	290	5	is	be	AUX
fsr-3323	290	6	associated	associate	VERB
fsr-3323	290	7	with	with	ADP
fsr-3323	290	8	lower	low	ADJ
fsr-3323	290	9	dis	di	NOUN
fsr-3323	290	10	in	in	ADP
fsr-3323	290	11	all	all	PRON
fsr-3323	290	12	of	of	ADP
fsr-3323	290	13	the	the	DET
fsr-3323	290	14	controlled	control	VERB
fsr-3323	290	15	table	table	NOUN
fsr-3323	290	16	8	8	NUM
fsr-3323	290	17	logit	logit	PROPN
fsr-3323	290	18	b	b	PROPN
fsr-3323	290	19	-	-	PUNCT
fsr-3323	290	20	dis	dis	PROPN
fsr-3323	290	21	,	,	PUNCT
fsr-3323	290	22	b	b	X
fsr-3323	290	23	-	-	PUNCT
fsr-3323	290	24	adis	adis	PROPN
fsr-3323	290	25	,	,	PUNCT
fsr-3323	290	26	and	and	CCONJ
fsr-3323	290	27	b	b	X
fsr-3323	290	28	-	-	PUNCT
fsr-3323	290	29	cad	cad	NOUN
fsr-3323	290	30	variable	variable	ADJ
fsr-3323	290	31	coefficients	coefficient	NOUN
fsr-3323	290	32	,	,	PUNCT
fsr-3323	290	33	significance	significance	NOUN
fsr-3323	290	34	,	,	PUNCT
fsr-3323	290	35	odds	odd	NOUN
fsr-3323	290	36	ratios	ratio	NOUN
fsr-3323	290	37	(	(	PUNCT
fsr-3323	290	38	�	�	NOUN
fsr-3323	290	39	)	)	PUNCT
fsr-3323	290	40	,	,	PUNCT
fsr-3323	290	41	and	and	CCONJ
fsr-3323	290	42	(	(	PUNCT
fsr-3323	290	43	standard	standard	ADJ
fsr-3323	290	44	errors	error	NOUN
fsr-3323	290	45	)	)	PUNCT
fsr-3323	290	46	by	by	ADP
fsr-3323	290	47	years	year	NOUN
fsr-3323	290	48	registered	register	VERB
fsr-3323	290	49	,	,	PUNCT
fsr-3323	290	50	age	age	NOUN
fsr-3323	290	51	,	,	PUNCT
fsr-3323	290	52	gender	gender	NOUN
fsr-3323	290	53	,	,	PUNCT
fsr-3323	290	54	employment	employment	NOUN
fsr-3323	290	55	status	status	NOUN
fsr-3323	290	56	,	,	PUNCT
fsr-3323	290	57	iar	iar	PROPN
fsr-3323	290	58	and	and	CCONJ
fsr-3323	290	59	insurance	insurance	NOUN
fsr-3323	290	60	licensure	licensure	NOUN
fsr-3323	290	61	status	status	NOUN
fsr-3323	290	62	,	,	PUNCT
fsr-3323	290	63	and	and	CCONJ
fsr-3323	290	64	presence	presence	NOUN
fsr-3323	290	65	of	of	ADP
fsr-3323	290	66	at	at	ADV
fsr-3323	290	67	least	least	ADV
fsr-3323	290	68	one	one	NUM
fsr-3323	290	69	study	study	NOUN
fsr-3323	290	70	designation	designation	NOUN
fsr-3323	290	71	independent	independent	ADJ
fsr-3323	290	72	variable	variable	ADJ
fsr-3323	290	73	b	b	PROPN
fsr-3323	290	74	-	-	PUNCT
fsr-3323	290	75	dis	dis	PROPN
fsr-3323	290	76	psi	psi	PROPN
fsr-3323	290	77	b	b	PROPN
fsr-3323	290	78	-	-	PUNCT
fsr-3323	290	79	adis	adis	PROPN
fsr-3323	290	80	psi	psi	PROPN
fsr-3323	290	81	b	b	PROPN
fsr-3323	290	82	-	-	PUNCT
fsr-3323	290	83	cad	cad	NOUN
fsr-3323	290	84	psi	psi	NOUN
fsr-3323	290	85	years	year	NOUN
fsr-3323	290	86	registered	register	VERB
fsr-3323	290	87	�	�	PROPN
fsr-3323	290	88	0.047	0.047	NUM
fsr-3323	290	89	*	*	PUNCT
fsr-3323	290	90	*	*	PUNCT
fsr-3323	290	91	*	*	X
fsr-3323	290	92	0.954	0.954	NUM
fsr-3323	290	93	�	�	PROPN
fsr-3323	290	94	0.083	0.083	NUM
fsr-3323	290	95	*	*	PUNCT
fsr-3323	290	96	*	*	PUNCT
fsr-3323	290	97	*	*	X
fsr-3323	290	98	0.920	0.920	NUM
fsr-3323	290	99	�	�	NOUN
fsr-3323	290	100	0.090	0.090	NUM
fsr-3323	290	101	*	*	PUNCT
fsr-3323	290	102	*	*	PUNCT
fsr-3323	290	103	*	*	NOUN
fsr-3323	290	104	0.914	0.914	NUM
fsr-3323	290	105	(	(	PUNCT
fsr-3323	290	106	0.002	0.002	NUM
fsr-3323	290	107	)	)	PUNCT
fsr-3323	290	108	(	(	PUNCT
fsr-3323	290	109	0.003	0.003	NUM
fsr-3323	290	110	)	)	PUNCT
fsr-3323	290	111	(	(	PUNCT
fsr-3323	290	112	0.003	0.003	NUM
fsr-3323	290	113	)	)	PUNCT
fsr-3323	290	114	age	age	NOUN
fsr-3323	290	115	�	�	PROPN
fsr-3323	290	116	0.001	0.001	NUM
fsr-3323	290	117	—	—	PUNCT
fsr-3323	290	118	0.999	0.999	NUM
fsr-3323	290	119	0.008	0.008	NUM
fsr-3323	290	120	*	*	PUNCT
fsr-3323	290	121	*	*	PUNCT
fsr-3323	290	122	*	*	PUNCT
fsr-3323	290	123	1.008	1.008	NUM
fsr-3323	290	124	0.007	0.007	NUM
fsr-3323	290	125	*	*	PUNCT
fsr-3323	290	126	*	*	PUNCT
fsr-3323	290	127	*	*	X
fsr-3323	290	128	1.007	1.007	NUM
fsr-3323	290	129	(	(	PUNCT
fsr-3323	290	130	0.002	0.002	NUM
fsr-3323	290	131	)	)	PUNCT
fsr-3323	290	132	(	(	PUNCT
fsr-3323	290	133	0.002	0.002	NUM
fsr-3323	290	134	)	)	PUNCT
fsr-3323	290	135	(	(	PUNCT
fsr-3323	290	136	0.003	0.003	NUM
fsr-3323	290	137	)	)	PUNCT
fsr-3323	290	138	gender	gender	NOUN
fsr-3323	290	139	0.213	0.213	NUM
fsr-3323	290	140	*	*	PUNCT
fsr-3323	290	141	*	*	PUNCT
fsr-3323	290	142	*	*	PUNCT
fsr-3323	290	143	1.532	1.532	NUM
fsr-3323	290	144	0.351	0.351	NUM
fsr-3323	290	145	*	*	PUNCT
fsr-3323	290	146	*	*	PUNCT
fsr-3323	290	147	*	*	PUNCT
fsr-3323	290	148	2.018	2.018	NUM
fsr-3323	290	149	0.363	0.363	NUM
fsr-3323	290	150	*	*	PUNCT
fsr-3323	291	1	*	*	PUNCT
fsr-3323	291	2	*	*	PUNCT
fsr-3323	291	3	2.065	2.065	NUM
fsr-3323	291	4	(	(	PUNCT
fsr-3323	291	5	0.019	0.019	NUM
fsr-3323	291	6	)	)	PUNCT
fsr-3323	291	7	(	(	PUNCT
fsr-3323	291	8	0.027	0.027	NUM
fsr-3323	291	9	)	)	PUNCT
fsr-3323	291	10	(	(	PUNCT
fsr-3323	291	11	0.030	0.030	NUM
fsr-3323	291	12	)	)	PUNCT
fsr-3323	291	13	independent	independent	ADJ
fsr-3323	291	14	contractor	contractor	NOUN
fsr-3323	291	15	0.041	0.041	NUM
fsr-3323	291	16	*	*	PUNCT
fsr-3323	291	17	*	*	PUNCT
fsr-3323	291	18	1.084	1.084	NUM
fsr-3323	291	19	�	�	PROPN
fsr-3323	291	20	0.067	0.067	NUM
fsr-3323	291	21	*	*	PUNCT
fsr-3323	291	22	*	*	PUNCT
fsr-3323	291	23	*	*	PUNCT
fsr-3323	291	24	0.874	0.874	NUM
fsr-3323	291	25	�	�	PROPN
fsr-3323	291	26	0.033	0.033	NUM
fsr-3323	291	27	—	—	PUNCT
fsr-3323	291	28	0.935	0.935	NUM
fsr-3323	291	29	(	(	PUNCT
fsr-3323	291	30	0.016	0.016	NUM
fsr-3323	291	31	)	)	PUNCT
fsr-3323	291	32	(	(	PUNCT
fsr-3323	291	33	0.020	0.020	NUM
fsr-3323	291	34	)	)	PUNCT
fsr-3323	291	35	(	(	PUNCT
fsr-3323	291	36	0.022	0.022	NUM
fsr-3323	291	37	)	)	PUNCT
fsr-3323	291	38	iar	iar	PROPN
fsr-3323	291	39	0.121	0.121	NUM
fsr-3323	291	40	*	*	PUNCT
fsr-3323	291	41	*	*	PUNCT
fsr-3323	291	42	*	*	PUNCT
fsr-3323	291	43	1.274	1.274	NUM
fsr-3323	291	44	0.217	0.217	NUM
fsr-3323	291	45	*	*	PUNCT
fsr-3323	291	46	*	*	PUNCT
fsr-3323	291	47	*	*	PUNCT
fsr-3323	291	48	1.544	1.544	NUM
fsr-3323	291	49	0.203	0.203	NUM
fsr-3323	291	50	*	*	PUNCT
fsr-3323	291	51	*	*	PUNCT
fsr-3323	291	52	*	*	PUNCT
fsr-3323	291	53	1.502	1.502	NUM
fsr-3323	291	54	(	(	PUNCT
fsr-3323	291	55	0.016	0.016	NUM
fsr-3323	291	56	)	)	PUNCT
fsr-3323	291	57	(	(	PUNCT
fsr-3323	291	58	0.021	0.021	NUM
fsr-3323	291	59	)	)	PUNCT
fsr-3323	291	60	(	(	PUNCT
fsr-3323	291	61	0.023	0.023	NUM
fsr-3323	291	62	)	)	PUNCT
fsr-3323	291	63	insurance	insurance	NOUN
fsr-3323	291	64	license	license	NOUN
fsr-3323	291	65	0.137	0.137	NUM
fsr-3323	291	66	*	*	PUNCT
fsr-3323	291	67	*	*	PUNCT
fsr-3323	291	68	*	*	PUNCT
fsr-3323	292	1	1.315	1.315	NUM
fsr-3323	292	2	0.314	0.314	NUM
fsr-3323	292	3	*	*	PUNCT
fsr-3323	292	4	*	*	PUNCT
fsr-3323	292	5	*	*	PUNCT
fsr-3323	292	6	1.875	1.875	NUM
fsr-3323	292	7	0.293	0.293	NUM
fsr-3323	292	8	*	*	PUNCT
fsr-3323	292	9	*	*	PUNCT
fsr-3323	292	10	*	*	X
fsr-3323	292	11	1.796	1.796	NUM
fsr-3323	292	12	(	(	PUNCT
fsr-3323	292	13	0.017	0.017	NUM
fsr-3323	292	14	)	)	PUNCT
fsr-3323	292	15	(	(	PUNCT
fsr-3323	292	16	0.023	0.023	NUM
fsr-3323	292	17	)	)	PUNCT
fsr-3323	292	18	(	(	PUNCT
fsr-3323	292	19	0.026	0.026	NUM
fsr-3323	292	20	)	)	PUNCT
fsr-3323	292	21	any	any	DET
fsr-3323	292	22	designation	designation	NOUN
fsr-3323	292	23	�	�	NOUN
fsr-3323	292	24	0.129	0.129	NUM
fsr-3323	292	25	*	*	PUNCT
fsr-3323	292	26	*	*	PUNCT
fsr-3323	292	27	*	*	PUNCT
fsr-3323	292	28	0.773	0.773	NUM
fsr-3323	292	29	�	�	PROPN
fsr-3323	292	30	0.084	0.084	NUM
fsr-3323	292	31	*	*	PUNCT
fsr-3323	292	32	*	*	PUNCT
fsr-3323	292	33	*	*	PUNCT
fsr-3323	292	34	0.846	0.846	NUM
fsr-3323	292	35	�	�	PROPN
fsr-3323	292	36	0.079	0.079	NUM
fsr-3323	292	37	*	*	PUNCT
fsr-3323	292	38	*	*	PUNCT
fsr-3323	292	39	*	*	X
fsr-3323	292	40	0.854	0.854	NUM
fsr-3323	292	41	(	(	PUNCT
fsr-3323	292	42	0.022	0.022	NUM
fsr-3323	292	43	)	)	PUNCT
fsr-3323	292	44	(	(	PUNCT
fsr-3323	292	45	0.025	0.025	NUM
fsr-3323	292	46	)	)	PUNCT
fsr-3323	292	47	(	(	PUNCT
fsr-3323	292	48	0.027	0.027	NUM
fsr-3323	292	49	)	)	PUNCT
fsr-3323	292	50	iar	iar	PROPN
fsr-3323	292	51	�	�	PROPN
fsr-3323	292	52	investment	investment	PROPN
fsr-3323	292	53	advisor	advisor	NOUN
fsr-3323	292	54	representatives	representative	NOUN
fsr-3323	292	55	.	.	PUNCT
fsr-3323	293	1	*	*	PUNCT
fsr-3323	293	2	,	,	PUNCT
fsr-3323	293	3	*	*	PUNCT
fsr-3323	293	4	*	*	PUNCT
fsr-3323	293	5	,	,	PUNCT
fsr-3323	293	6	*	*	PUNCT
fsr-3323	293	7	*	*	PUNCT
fsr-3323	293	8	*	*	PUNCT
fsr-3323	293	9	left	leave	VERB
fsr-3323	293	10	-	-	PUNCT
fsr-3323	293	11	adjacent	adjacent	ADJ
fsr-3323	293	12	coefficient	coefficient	NOUN
fsr-3323	293	13	significant	significant	ADJ
fsr-3323	293	14	at	at	ADP
fsr-3323	293	15	the	the	DET
fsr-3323	293	16	less	less	ADV
fsr-3323	293	17	-	-	PUNCT
fsr-3323	293	18	than	than	ADP
fsr-3323	293	19	10	10	NUM
fsr-3323	293	20	%	%	NOUN
fsr-3323	293	21	,	,	PUNCT
fsr-3323	293	22	5	5	NUM
fsr-3323	293	23	%	%	NOUN
fsr-3323	293	24	,	,	PUNCT
fsr-3323	293	25	or	or	CCONJ
fsr-3323	293	26	1	1	NUM
fsr-3323	293	27	%	%	NOUN
fsr-3323	293	28	level	level	NOUN
fsr-3323	293	29	,	,	PUNCT
fsr-3323	293	30	respectively	respectively	ADV
fsr-3323	293	31	.	.	PUNCT
fsr-3323	294	1	associated	associate	VERB
fsr-3323	294	2	standard	standard	ADJ
fsr-3323	294	3	error	error	NOUN
fsr-3323	294	4	appears	appear	VERB
fsr-3323	294	5	beneath	beneath	ADP
fsr-3323	294	6	the	the	DET
fsr-3323	294	7	corresponding	corresponding	ADJ
fsr-3323	294	8	coefficient	coefficient	NOUN
fsr-3323	294	9	in	in	ADP
fsr-3323	294	10	parentheses	parenthesis	NOUN
fsr-3323	294	11	.	.	PUNCT
fsr-3323	295	1	cad	cad	PROPN
fsr-3323	295	2	is	be	AUX
fsr-3323	295	3	for	for	ADP
fsr-3323	295	4	culpable	culpable	ADJ
fsr-3323	295	5	advisory	advisory	ADJ
fsr-3323	295	6	disclosure	disclosure	NOUN
fsr-3323	295	7	and	and	CCONJ
fsr-3323	295	8	measures	measure	NOUN
fsr-3323	295	9	regulatory	regulatory	ADJ
fsr-3323	295	10	or	or	CCONJ
fsr-3323	295	11	judicial	judicial	ADJ
fsr-3323	295	12	findings	finding	NOUN
fsr-3323	295	13	or	or	CCONJ
fsr-3323	295	14	other	other	ADJ
fsr-3323	295	15	strong	strong	ADJ
fsr-3323	295	16	indications	indication	NOUN
fsr-3323	295	17	of	of	ADP
fsr-3323	295	18	clear	clear	ADJ
fsr-3323	295	19	advisory	advisory	ADJ
fsr-3323	295	20	-	-	PUNCT
fsr-3323	295	21	related	relate	VERB
fsr-3323	295	22	misconduct	misconduct	NOUN
fsr-3323	295	23	.	.	PUNCT
fsr-3323	296	1	adis	adis	PROPN
fsr-3323	296	2	is	be	AUX
fsr-3323	296	3	for	for	ADP
fsr-3323	296	4	advisory	advisory	ADJ
fsr-3323	296	5	disclosure	disclosure	NOUN
fsr-3323	296	6	incidence	incidence	NOUN
fsr-3323	296	7	score	score	NOUN
fsr-3323	296	8	and	and	CCONJ
fsr-3323	296	9	measures	measure	VERB
fsr-3323	296	10	allegations	allegation	NOUN
fsr-3323	296	11	and	and	CCONJ
fsr-3323	296	12	findings	finding	NOUN
fsr-3323	296	13	of	of	ADP
fsr-3323	296	14	advisory	advisory	ADJ
fsr-3323	296	15	-	-	PUNCT
fsr-3323	296	16	related	relate	VERB
fsr-3323	296	17	misconduct	misconduct	NOUN
fsr-3323	296	18	.	.	PUNCT
fsr-3323	297	1	dis	dis	PROPN
fsr-3323	297	2	is	be	AUX
fsr-3323	297	3	for	for	ADP
fsr-3323	297	4	disclosure	disclosure	NOUN
fsr-3323	297	5	incidence	incidence	NOUN
fsr-3323	297	6	score	score	NOUN
fsr-3323	297	7	and	and	CCONJ
fsr-3323	297	8	measures	measure	VERB
fsr-3323	297	9	allegations	allegation	NOUN
fsr-3323	297	10	and	and	CCONJ
fsr-3323	297	11	findings	finding	NOUN
fsr-3323	297	12	of	of	ADP
fsr-3323	297	13	advisory	advisory	ADJ
fsr-3323	297	14	-	-	PUNCT
fsr-3323	297	15	and	and	CCONJ
fsr-3323	297	16	non	non	ADJ
fsr-3323	297	17	-	-	ADJ
fsr-3323	297	18	advisory	advisory	ADJ
fsr-3323	297	19	–	–	PUNCT
fsr-3323	297	20	related	relate	VERB
fsr-3323	297	21	misconduct	misconduct	NOUN
fsr-3323	297	22	.	.	PUNCT
fsr-3323	298	1	b	b	X
fsr-3323	298	2	-	-	PUNCT
fsr-3323	298	3	versions	version	NOUN
fsr-3323	298	4	of	of	ADP
fsr-3323	298	5	dis	dis	PROPN
fsr-3323	298	6	,	,	PUNCT
fsr-3323	298	7	adis	adis	PROPN
fsr-3323	298	8	,	,	PUNCT
fsr-3323	298	9	and	and	CCONJ
fsr-3323	298	10	cad	cad	PROPN
fsr-3323	298	11	are	be	AUX
fsr-3323	298	12	binary	binary	ADJ
fsr-3323	298	13	transformations	transformation	NOUN
fsr-3323	298	14	of	of	ADP
fsr-3323	298	15	the	the	DET
fsr-3323	298	16	corresponding	corresponding	ADJ
fsr-3323	298	17	continuous	continuous	ADJ
fsr-3323	298	18	variables	variable	NOUN
fsr-3323	298	19	.	.	PUNCT
fsr-3323	299	1	285j.m	285j.m	X
fsr-3323	299	2	.	.	PUNCT
fsr-3323	300	1	camarda	camarda	VERB
fsr-3323	300	2	/	/	SYM
fsr-3323	300	3	financial	financial	ADJ
fsr-3323	300	4	services	service	NOUN
fsr-3323	300	5	review	review	VERB
fsr-3323	300	6	26	26	NUM
fsr-3323	300	7	(	(	PUNCT
fsr-3323	300	8	2017	2017	NUM
fsr-3323	300	9	)	)	PUNCT
fsr-3323	301	1	271–290	271–290	NUM
fsr-3323	301	2	regressions	regression	NOUN
fsr-3323	301	3	with	with	ADP
fsr-3323	301	4	high	high	ADJ
fsr-3323	301	5	significance	significance	NOUN
fsr-3323	301	6	.	.	PUNCT
fsr-3323	302	1	it	it	PRON
fsr-3323	302	2	should	should	AUX
fsr-3323	302	3	be	be	AUX
fsr-3323	302	4	noted	note	VERB
fsr-3323	302	5	,	,	PUNCT
fsr-3323	302	6	however	however	ADV
fsr-3323	302	7	,	,	PUNCT
fsr-3323	302	8	that	that	SCONJ
fsr-3323	302	9	rrs	rrs	NOUN
fsr-3323	302	10	who	who	PRON
fsr-3323	302	11	are	be	AUX
fsr-3323	302	12	male	male	ADJ
fsr-3323	302	13	,	,	PUNCT
fsr-3323	302	14	have	have	VERB
fsr-3323	302	15	an	an	DET
fsr-3323	302	16	insurance	insurance	NOUN
fsr-3323	302	17	license	license	NOUN
fsr-3323	302	18	,	,	PUNCT
fsr-3323	302	19	or	or	CCONJ
fsr-3323	302	20	are	be	AUX
fsr-3323	302	21	also	also	ADV
fsr-3323	302	22	registered	register	VERB
fsr-3323	302	23	as	as	SCONJ
fsr-3323	302	24	iars	iar	NOUN
fsr-3323	302	25	are	be	AUX
fsr-3323	302	26	associated	associate	VERB
fsr-3323	302	27	with	with	ADP
fsr-3323	302	28	higher	high	ADJ
fsr-3323	302	29	dis	dis	PROPN
fsr-3323	302	30	scores	score	NOUN
fsr-3323	302	31	.	.	PUNCT
fsr-3323	303	1	the	the	DET
fsr-3323	303	2	negative	negative	ADJ
fsr-3323	303	3	influence	influence	NOUN
fsr-3323	303	4	of	of	ADP
fsr-3323	303	5	the	the	DET
fsr-3323	303	6	non	non	ADJ
fsr-3323	303	7	-	-	ADJ
fsr-3323	303	8	designation	designation	ADJ
fsr-3323	303	9	factors	factor	NOUN
fsr-3323	303	10	appears	appear	VERB
fsr-3323	303	11	to	to	PART
fsr-3323	303	12	exert	exert	VERB
fsr-3323	303	13	a	a	DET
fsr-3323	303	14	strong	strong	ADJ
fsr-3323	303	15	influence	influence	NOUN
fsr-3323	303	16	on	on	ADP
fsr-3323	303	17	misconduct	misconduct	NOUN
fsr-3323	303	18	scores	score	NOUN
fsr-3323	303	19	,	,	PUNCT
fsr-3323	303	20	even	even	ADV
fsr-3323	303	21	for	for	ADP
fsr-3323	303	22	those	those	PRON
fsr-3323	303	23	with	with	ADP
fsr-3323	303	24	designations	designation	NOUN
fsr-3323	303	25	.	.	PUNCT
fsr-3323	304	1	it	it	PRON
fsr-3323	304	2	seems	seem	VERB
fsr-3323	304	3	noteworthy	noteworthy	ADJ
fsr-3323	304	4	that	that	SCONJ
fsr-3323	304	5	being	be	AUX
fsr-3323	304	6	male	male	ADJ
fsr-3323	304	7	or	or	CCONJ
fsr-3323	304	8	fig	fig	NOUN
fsr-3323	304	9	.	.	PUNCT
fsr-3323	305	1	3	3	NUM
fsr-3323	305	2	.	.	X
fsr-3323	305	3	b	b	X
fsr-3323	305	4	-	-	PUNCT
fsr-3323	305	5	dis	dis	PROPN
fsr-3323	305	6	and	and	CCONJ
fsr-3323	305	7	anydes	anyde	NOUN
fsr-3323	305	8	logit	logit	VERB
fsr-3323	305	9	odds	odd	NOUN
fsr-3323	305	10	ratio	ratio	NOUN
fsr-3323	305	11	graph	graph	NOUN
fsr-3323	305	12	.	.	PUNCT
fsr-3323	306	1	fig	fig	NOUN
fsr-3323	306	2	.	.	PUNCT
fsr-3323	307	1	4	4	NUM
fsr-3323	307	2	.	.	X
fsr-3323	307	3	b	b	X
fsr-3323	307	4	-	-	PUNCT
fsr-3323	307	5	adis	adis	PROPN
fsr-3323	307	6	and	and	CCONJ
fsr-3323	307	7	anydes	anyde	NOUN
fsr-3323	307	8	logit	logit	VERB
fsr-3323	307	9	odds	odd	NOUN
fsr-3323	307	10	ratio	ratio	NOUN
fsr-3323	307	11	graph	graph	NOUN
fsr-3323	307	12	.	.	PUNCT
fsr-3323	308	1	286	286	NUM
fsr-3323	308	2	j.m	j.m	PROPN
fsr-3323	308	3	.	.	PROPN
fsr-3323	308	4	camarda	camarda	PROPN
fsr-3323	308	5	/	/	SYM
fsr-3323	308	6	financial	financial	ADJ
fsr-3323	308	7	services	service	NOUN
fsr-3323	308	8	review	review	VERB
fsr-3323	308	9	26	26	NUM
fsr-3323	308	10	(	(	PUNCT
fsr-3323	308	11	2017	2017	NUM
fsr-3323	308	12	)	)	PUNCT
fsr-3323	308	13	271–290	271–290	NUM
fsr-3323	308	14	also	also	ADV
fsr-3323	308	15	an	an	DET
fsr-3323	308	16	iar	iar	PROPN
fsr-3323	308	17	is	be	AUX
fsr-3323	308	18	associated	associate	VERB
fsr-3323	308	19	with	with	ADP
fsr-3323	308	20	higher	high	ADJ
fsr-3323	308	21	dis	dis	PROPN
fsr-3323	308	22	misconduct	misconduct	NOUN
fsr-3323	308	23	to	to	ADP
fsr-3323	308	24	p	p	PROPN
fsr-3323	308	25	�	�	PROPN
fsr-3323	308	26	0.0001	0.0001	NUM
fsr-3323	308	27	in	in	ADP
fsr-3323	308	28	all	all	DET
fsr-3323	308	29	three	three	NUM
fsr-3323	308	30	tests	test	NOUN
fsr-3323	308	31	,	,	PUNCT
fsr-3323	308	32	and	and	CCONJ
fsr-3323	308	33	that	that	SCONJ
fsr-3323	308	34	having	have	VERB
fsr-3323	308	35	an	an	DET
fsr-3323	308	36	insurance	insurance	NOUN
fsr-3323	308	37	license	license	NOUN
fsr-3323	308	38	also	also	ADV
fsr-3323	308	39	is	be	AUX
fsr-3323	308	40	with	with	ADP
fsr-3323	308	41	the	the	DET
fsr-3323	308	42	same	same	ADJ
fsr-3323	308	43	p	p	NOUN
fsr-3323	308	44	value	value	NOUN
fsr-3323	308	45	in	in	ADP
fsr-3323	308	46	both	both	DET
fsr-3323	308	47	tobit	tobit	NOUN
fsr-3323	308	48	and	and	CCONJ
fsr-3323	308	49	logit	logit	PROPN
fsr-3323	308	50	.	.	PUNCT
fsr-3323	309	1	exploration	exploration	NOUN
fsr-3323	309	2	of	of	ADP
fsr-3323	309	3	non	non	ADJ
fsr-3323	309	4	-	-	ADJ
fsr-3323	309	5	designation	designation	ADJ
fsr-3323	309	6	effects	effect	NOUN
fsr-3323	309	7	is	be	AUX
fsr-3323	309	8	left	leave	VERB
fsr-3323	309	9	for	for	ADP
fsr-3323	309	10	subsequent	subsequent	ADJ
fsr-3323	309	11	research	research	NOUN
fsr-3323	309	12	.	.	PUNCT
fsr-3323	310	1	for	for	ADP
fsr-3323	310	2	dis	dis	PROPN
fsr-3323	310	3	and	and	CCONJ
fsr-3323	310	4	b	b	X
fsr-3323	310	5	-	-	PUNCT
fsr-3323	310	6	dis	dis	PROPN
fsr-3323	310	7	,	,	PUNCT
fsr-3323	310	8	the	the	DET
fsr-3323	310	9	findings	finding	NOUN
fsr-3323	310	10	suggest	suggest	VERB
fsr-3323	310	11	that	that	SCONJ
fsr-3323	310	12	the	the	DET
fsr-3323	310	13	null	null	ADJ
fsr-3323	310	14	hypothesis	hypothesis	NOUN
fsr-3323	310	15	h0	h0	NOUN
fsr-3323	310	16	:	:	PUNCT
fsr-3323	310	17	�	�	PROPN
fsr-3323	310	18	anydes	anydes	PROPN
fsr-3323	310	19	�	�	PROPN
fsr-3323	310	20	0	0	NUM
fsr-3323	310	21	can	can	AUX
fsr-3323	310	22	be	be	AUX
fsr-3323	310	23	rejected	reject	VERB
fsr-3323	310	24	with	with	ADP
fsr-3323	310	25	a	a	DET
fsr-3323	310	26	high	high	ADJ
fsr-3323	310	27	degree	degree	NOUN
fsr-3323	310	28	of	of	ADP
fsr-3323	310	29	confidence	confidence	NOUN
fsr-3323	310	30	,	,	PUNCT
fsr-3323	310	31	with	with	ADP
fsr-3323	310	32	associated	associate	VERB
fsr-3323	310	33	p	p	NOUN
fsr-3323	310	34	values	value	NOUN
fsr-3323	310	35	less	less	ADJ
fsr-3323	310	36	than	than	ADP
fsr-3323	310	37	0.0001	0.0001	NUM
fsr-3323	310	38	in	in	ADP
fsr-3323	310	39	all	all	DET
fsr-3323	310	40	three	three	NUM
fsr-3323	310	41	regression	regression	NOUN
fsr-3323	310	42	tests	test	NOUN
fsr-3323	310	43	.	.	PUNCT
fsr-3323	311	1	consequently	consequently	ADV
fsr-3323	311	2	,	,	PUNCT
fsr-3323	311	3	lower	low	ADJ
fsr-3323	311	4	dis	dis	PROPN
fsr-3323	311	5	misconduct	misconduct	NOUN
fsr-3323	311	6	seems	seem	VERB
fsr-3323	311	7	associated	associate	VERB
fsr-3323	311	8	with	with	ADP
fsr-3323	311	9	having	have	VERB
fsr-3323	311	10	at	at	ADP
fsr-3323	311	11	any	any	PRON
fsr-3323	311	12	least	least	ADJ
fsr-3323	311	13	one	one	NUM
fsr-3323	311	14	of	of	ADP
fsr-3323	311	15	the	the	DET
fsr-3323	311	16	study	study	NOUN
fsr-3323	311	17	designations	designation	NOUN
fsr-3323	311	18	.	.	PUNCT
fsr-3323	312	1	the	the	DET
fsr-3323	312	2	anydes	anyde	NOUN
fsr-3323	312	3	adis	adis	PROPN
fsr-3323	312	4	and	and	CCONJ
fsr-3323	312	5	b	b	PROPN
fsr-3323	312	6	-	-	PUNCT
fsr-3323	312	7	adis	adis	PROPN
fsr-3323	312	8	findings	finding	NOUN
fsr-3323	312	9	are	be	AUX
fsr-3323	312	10	similar	similar	ADJ
fsr-3323	312	11	:	:	PUNCT
fsr-3323	312	12	the	the	DET
fsr-3323	312	13	null	null	NOUN
fsr-3323	312	14	that	that	PRON
fsr-3323	312	15	associated	associated	ADJ
fsr-3323	312	16	misconduct	misconduct	NOUN
fsr-3323	312	17	does	do	AUX
fsr-3323	312	18	not	not	PART
fsr-3323	312	19	change	change	VERB
fsr-3323	312	20	when	when	SCONJ
fsr-3323	312	21	any	any	DET
fsr-3323	312	22	study	study	NOUN
fsr-3323	312	23	designation	designation	NOUN
fsr-3323	312	24	is	be	AUX
fsr-3323	312	25	present	present	ADJ
fsr-3323	312	26	can	can	AUX
fsr-3323	312	27	be	be	AUX
fsr-3323	312	28	rejected	reject	VERB
fsr-3323	312	29	with	with	ADP
fsr-3323	312	30	high	high	ADJ
fsr-3323	312	31	confidence	confidence	NOUN
fsr-3323	312	32	,	,	PUNCT
fsr-3323	312	33	in	in	ADP
fsr-3323	312	34	this	this	DET
fsr-3323	312	35	case	case	NOUN
fsr-3323	312	36	with	with	ADP
fsr-3323	312	37	p	p	PROPN
fsr-3323	312	38	�	�	PROPN
fsr-3323	312	39	0.001	0.001	NUM
fsr-3323	312	40	for	for	ADP
fsr-3323	312	41	tobit	tobit	NOUN
fsr-3323	312	42	and	and	CCONJ
fsr-3323	312	43	logit	logit	NOUN
fsr-3323	312	44	,	,	PUNCT
fsr-3323	312	45	and	and	CCONJ
fsr-3323	312	46	ols	ol	NOUN
fsr-3323	312	47	p	p	PROPN
fsr-3323	312	48	�	�	PROPN
fsr-3323	312	49	0.0001	0.0001	NUM
fsr-3323	312	50	.	.	PUNCT
fsr-3323	313	1	the	the	DET
fsr-3323	313	2	anydes	anydes	PROPN
fsr-3323	313	3	cad	cad	PROPN
fsr-3323	313	4	and	and	CCONJ
fsr-3323	313	5	b	b	X
fsr-3323	313	6	-	-	PUNCT
fsr-3323	313	7	cad	cad	NOUN
fsr-3323	313	8	findings	finding	NOUN
fsr-3323	313	9	are	be	AUX
fsr-3323	313	10	generally	generally	ADV
fsr-3323	313	11	similar	similar	ADJ
fsr-3323	313	12	to	to	ADP
fsr-3323	313	13	those	those	PRON
fsr-3323	313	14	for	for	ADP
fsr-3323	313	15	dis	dis	PROPN
fsr-3323	313	16	and	and	CCONJ
fsr-3323	313	17	adis	adis	PROPN
fsr-3323	313	18	.	.	PUNCT
fsr-3323	314	1	recall	recall	VERB
fsr-3323	314	2	that	that	DET
fsr-3323	314	3	cad	cad	PROPN
fsr-3323	314	4	is	be	AUX
fsr-3323	314	5	the	the	DET
fsr-3323	314	6	study	study	NOUN
fsr-3323	314	7	’s	’s	PART
fsr-3323	314	8	most	most	ADV
fsr-3323	314	9	serious	serious	ADJ
fsr-3323	314	10	misconduct	misconduct	NOUN
fsr-3323	314	11	measure	measure	NOUN
fsr-3323	314	12	,	,	PUNCT
fsr-3323	314	13	limited	limit	VERB
fsr-3323	314	14	to	to	ADP
fsr-3323	314	15	advisory	advisory	ADJ
fsr-3323	314	16	items	item	NOUN
fsr-3323	314	17	only	only	ADV
fsr-3323	314	18	where	where	SCONJ
fsr-3323	314	19	misconduct	misconduct	NOUN
fsr-3323	314	20	is	be	AUX
fsr-3323	314	21	not	not	PART
fsr-3323	314	22	merely	merely	ADV
fsr-3323	314	23	alleged	allege	VERB
fsr-3323	314	24	but	but	CCONJ
fsr-3323	314	25	nearly	nearly	ADV
fsr-3323	314	26	certain	certain	ADJ
fsr-3323	314	27	.	.	PUNCT
fsr-3323	315	1	for	for	ADP
fsr-3323	315	2	the	the	DET
fsr-3323	315	3	cad	cad	PROPN
fsr-3323	315	4	dvs	dvs	PROPN
fsr-3323	315	5	,	,	PUNCT
fsr-3323	315	6	the	the	DET
fsr-3323	315	7	reduction	reduction	NOUN
fsr-3323	315	8	for	for	ADP
fsr-3323	315	9	anydes	anyde	NOUN
fsr-3323	315	10	is	be	AUX
fsr-3323	315	11	quite	quite	ADV
fsr-3323	315	12	robust	robust	ADJ
fsr-3323	315	13	,	,	PUNCT
fsr-3323	315	14	with	with	ADP
fsr-3323	315	15	p	p	PROPN
fsr-3323	315	16	�	�	PROPN
fsr-3323	315	17	0.001	0.001	NUM
fsr-3323	315	18	for	for	ADP
fsr-3323	315	19	tobit	tobit	NOUN
fsr-3323	315	20	,	,	PUNCT
fsr-3323	315	21	�	�	PROPN
fsr-3323	315	22	0.004	0.004	NUM
fsr-3323	315	23	for	for	ADP
fsr-3323	315	24	logit	logit	NOUN
fsr-3323	315	25	,	,	PUNCT
fsr-3323	315	26	and	and	CCONJ
fsr-3323	315	27	�	�	NOUN
fsr-3323	315	28	0.0001	0.0001	NUM
fsr-3323	315	29	for	for	ADP
fsr-3323	315	30	ols	ol	NOUN
fsr-3323	315	31	.	.	PUNCT
fsr-3323	316	1	once	once	ADV
fsr-3323	316	2	again	again	ADV
fsr-3323	316	3	,	,	PUNCT
fsr-3323	316	4	the	the	DET
fsr-3323	316	5	null	null	NOUN
fsr-3323	316	6	that	that	PRON
fsr-3323	316	7	misconduct	misconduct	NOUN
fsr-3323	316	8	does	do	AUX
fsr-3323	316	9	not	not	PART
fsr-3323	316	10	change	change	VERB
fsr-3323	316	11	when	when	SCONJ
fsr-3323	316	12	any	any	DET
fsr-3323	316	13	study	study	NOUN
fsr-3323	316	14	designation	designation	NOUN
fsr-3323	316	15	is	be	AUX
fsr-3323	316	16	present	present	ADJ
fsr-3323	316	17	can	can	AUX
fsr-3323	316	18	be	be	AUX
fsr-3323	316	19	rejected	reject	VERB
fsr-3323	316	20	with	with	ADP
fsr-3323	316	21	high	high	ADJ
fsr-3323	316	22	confidence	confidence	NOUN
fsr-3323	316	23	.	.	PUNCT
fsr-3323	317	1	as	as	ADP
fsr-3323	317	2	for	for	ADP
fsr-3323	317	3	dis	dis	PROPN
fsr-3323	317	4	and	and	CCONJ
fsr-3323	317	5	adis	adis	PROPN
fsr-3323	317	6	,	,	PUNCT
fsr-3323	317	7	similar	similar	ADJ
fsr-3323	317	8	strongly	strongly	ADV
fsr-3323	317	9	higher	high	ADJ
fsr-3323	317	10	misconduct	misconduct	NOUN
fsr-3323	317	11	associations	association	NOUN
fsr-3323	317	12	are	be	AUX
fsr-3323	317	13	seen	see	VERB
fsr-3323	317	14	for	for	ADP
fsr-3323	317	15	the	the	DET
fsr-3323	317	16	cads	cad	NOUN
fsr-3323	317	17	for	for	ADP
fsr-3323	317	18	gender	gender	NOUN
fsr-3323	317	19	(	(	PUNCT
fsr-3323	317	20	all	all	DET
fsr-3323	317	21	ps	ps	PROPN
fsr-3323	317	22	�	�	PROPN
fsr-3323	317	23	0.0001	0.0001	NUM
fsr-3323	317	24	)	)	PUNCT
fsr-3323	317	25	,	,	PUNCT
fsr-3323	317	26	iar	iar	PROPN
fsr-3323	317	27	(	(	PUNCT
fsr-3323	317	28	highest	high	ADJ
fsr-3323	317	29	p	p	NOUN
fsr-3323	317	30	is	be	AUX
fsr-3323	317	31	from	from	ADP
fsr-3323	317	32	ols	ol	NOUN
fsr-3323	317	33	at	at	ADP
fsr-3323	317	34	�	�	PROPN
fsr-3323	317	35	0.002	0.002	NUM
fsr-3323	317	36	)	)	PUNCT
fsr-3323	317	37	and	and	CCONJ
fsr-3323	317	38	with	with	ADP
fsr-3323	317	39	insurance	insurance	NOUN
fsr-3323	317	40	licensure	licensure	NOUN
fsr-3323	317	41	from	from	ADP
fsr-3323	317	42	tobit	tobit	NOUN
fsr-3323	317	43	and	and	CCONJ
fsr-3323	317	44	logit	logit	PROPN
fsr-3323	317	45	(	(	PUNCT
fsr-3323	317	46	both	both	PRON
fsr-3323	317	47	ps	ps	PROPN
fsr-3323	317	48	�	�	PROPN
fsr-3323	317	49	0.0001	0.0001	NUM
fsr-3323	317	50	;	;	PUNCT
fsr-3323	317	51	but	but	CCONJ
fsr-3323	317	52	note	note	VERB
fsr-3323	317	53	that	that	SCONJ
fsr-3323	317	54	ols	ol	NOUN
fsr-3323	317	55	finds	find	VERB
fsr-3323	317	56	no	no	DET
fsr-3323	317	57	significance	significance	NOUN
fsr-3323	317	58	for	for	ADP
fsr-3323	317	59	insurance	insurance	NOUN
fsr-3323	317	60	)	)	PUNCT
fsr-3323	317	61	.	.	PUNCT
fsr-3323	318	1	this	this	DET
fsr-3323	318	2	study	study	NOUN
fsr-3323	318	3	’s	’s	PART
fsr-3323	318	4	results	result	NOUN
fsr-3323	318	5	support	support	VERB
fsr-3323	318	6	a	a	DET
fsr-3323	318	7	strong	strong	ADJ
fsr-3323	318	8	and	and	CCONJ
fsr-3323	318	9	robust	robust	ADJ
fsr-3323	318	10	finding	finding	NOUN
fsr-3323	318	11	that	that	SCONJ
fsr-3323	318	12	having	have	VERB
fsr-3323	318	13	at	at	ADP
fsr-3323	318	14	least	least	ADJ
fsr-3323	318	15	any	any	DET
fsr-3323	318	16	one	one	NUM
fsr-3323	318	17	of	of	ADP
fsr-3323	318	18	the	the	DET
fsr-3323	318	19	study	study	NOUN
fsr-3323	318	20	designations	designation	NOUN
fsr-3323	318	21	is	be	AUX
fsr-3323	318	22	associated	associate	VERB
fsr-3323	318	23	with	with	ADP
fsr-3323	318	24	lower	low	ADJ
fsr-3323	318	25	misconduct	misconduct	NOUN
fsr-3323	318	26	.	.	PUNCT
fsr-3323	319	1	this	this	PRON
fsr-3323	319	2	is	be	AUX
fsr-3323	319	3	found	find	VERB
fsr-3323	319	4	with	with	ADP
fsr-3323	319	5	high	high	ADJ
fsr-3323	319	6	statistical	statistical	ADJ
fsr-3323	319	7	significance	significance	NOUN
fsr-3323	319	8	using	use	VERB
fsr-3323	319	9	the	the	DET
fsr-3323	319	10	three	three	NUM
fsr-3323	319	11	different	different	ADJ
fsr-3323	319	12	regression	regression	NOUN
fsr-3323	319	13	techniques	technique	NOUN
fsr-3323	319	14	.	.	PUNCT
fsr-3323	320	1	these	these	DET
fsr-3323	320	2	findings	finding	NOUN
fsr-3323	320	3	are	be	AUX
fsr-3323	320	4	uniform	uniform	ADJ
fsr-3323	320	5	across	across	ADP
fsr-3323	320	6	the	the	DET
fsr-3323	320	7	severity	severity	NOUN
fsr-3323	320	8	spectrum	spectrum	NOUN
fsr-3323	320	9	from	from	ADP
fsr-3323	320	10	dis	dis	PROPN
fsr-3323	320	11	to	to	ADP
fsr-3323	320	12	cad	cad	PROPN
fsr-3323	320	13	,	,	PUNCT
fsr-3323	320	14	when	when	SCONJ
fsr-3323	320	15	controlling	control	VERB
fsr-3323	320	16	factors	factor	NOUN
fsr-3323	320	17	are	be	AUX
fsr-3323	320	18	considered	consider	VERB
fsr-3323	320	19	.	.	PUNCT
fsr-3323	321	1	both	both	DET
fsr-3323	321	2	allegations	allegation	NOUN
fsr-3323	321	3	and	and	CCONJ
fsr-3323	321	4	findings	finding	NOUN
fsr-3323	321	5	for	for	ADP
fsr-3323	321	6	advisory	advisory	ADJ
fsr-3323	321	7	and	and	CCONJ
fsr-3323	321	8	non	non	ADJ
fsr-3323	321	9	-	-	ADJ
fsr-3323	321	10	advisory	advisory	ADJ
fsr-3323	321	11	misconduct	misconduct	NOUN
fsr-3323	321	12	matters	matter	NOUN
fsr-3323	321	13	fall	fall	VERB
fsr-3323	321	14	fig	fig	NOUN
fsr-3323	321	15	.	.	PUNCT
fsr-3323	322	1	5	5	NUM
fsr-3323	322	2	.	.	X
fsr-3323	322	3	b	b	X
fsr-3323	322	4	-	-	PUNCT
fsr-3323	322	5	cad	cad	NOUN
fsr-3323	322	6	and	and	CCONJ
fsr-3323	322	7	anydes	anyde	NOUN
fsr-3323	322	8	logit	logit	VERB
fsr-3323	322	9	odds	odd	NOUN
fsr-3323	322	10	ratio	ratio	NOUN
fsr-3323	322	11	graph	graph	NOUN
fsr-3323	322	12	.	.	PUNCT
fsr-3323	323	1	287j.m	287j.m	X
fsr-3323	323	2	.	.	PUNCT
fsr-3323	324	1	camarda	camarda	VERB
fsr-3323	324	2	/	/	SYM
fsr-3323	324	3	financial	financial	ADJ
fsr-3323	324	4	services	service	NOUN
fsr-3323	324	5	review	review	VERB
fsr-3323	324	6	26	26	NUM
fsr-3323	324	7	(	(	PUNCT
fsr-3323	324	8	2017	2017	NUM
fsr-3323	324	9	)	)	PUNCT
fsr-3323	324	10	271–290	271–290	NUM
fsr-3323	324	11	uniformly	uniformly	ADV
fsr-3323	324	12	for	for	ADP
fsr-3323	324	13	those	those	PRON
fsr-3323	324	14	in	in	ADP
fsr-3323	324	15	the	the	DET
fsr-3323	324	16	anydes	anyde	NOUN
fsr-3323	324	17	category	category	NOUN
fsr-3323	324	18	.	.	PUNCT
fsr-3323	325	1	for	for	ADP
fsr-3323	325	2	florida	florida	PROPN
fsr-3323	325	3	rrs	rrs	PROPN
fsr-3323	325	4	at	at	ADP
fsr-3323	325	5	least	least	ADJ
fsr-3323	325	6	,	,	PUNCT
fsr-3323	325	7	holding	hold	VERB
fsr-3323	325	8	at	at	ADV
fsr-3323	325	9	least	least	ADJ
fsr-3323	325	10	one	one	NUM
fsr-3323	325	11	of	of	ADP
fsr-3323	325	12	the	the	DET
fsr-3323	325	13	study	study	NOUN
fsr-3323	325	14	designations	designation	NOUN
fsr-3323	325	15	seems	seem	VERB
fsr-3323	325	16	to	to	PART
fsr-3323	325	17	be	be	AUX
fsr-3323	325	18	a	a	DET
fsr-3323	325	19	strong	strong	ADJ
fsr-3323	325	20	and	and	CCONJ
fsr-3323	325	21	reliable	reliable	ADJ
fsr-3323	325	22	quality	quality	NOUN
fsr-3323	325	23	signal	signal	NOUN
fsr-3323	325	24	,	,	PUNCT
fsr-3323	325	25	consistent	consistent	ADJ
fsr-3323	325	26	with	with	ADP
fsr-3323	325	27	the	the	DET
fsr-3323	325	28	marketing	marketing	NOUN
fsr-3323	325	29	claims	claim	NOUN
fsr-3323	325	30	of	of	ADP
fsr-3323	325	31	the	the	DET
fsr-3323	325	32	various	various	ADJ
fsr-3323	325	33	conferring	confer	VERB
fsr-3323	325	34	institutions	institution	NOUN
fsr-3323	325	35	,	,	PUNCT
fsr-3323	325	36	in	in	ADP
fsr-3323	325	37	which	which	PRON
fsr-3323	325	38	we	we	PRON
fsr-3323	325	39	can	can	AUX
fsr-3323	325	40	have	have	VERB
fsr-3323	325	41	confidence	confidence	NOUN
fsr-3323	325	42	.	.	PUNCT
fsr-3323	326	1	it	it	PRON
fsr-3323	326	2	should	should	AUX
fsr-3323	326	3	be	be	AUX
fsr-3323	326	4	noted	note	VERB
fsr-3323	326	5	that	that	SCONJ
fsr-3323	326	6	this	this	DET
fsr-3323	326	7	finding	finding	NOUN
fsr-3323	326	8	is	be	AUX
fsr-3323	326	9	not	not	PART
fsr-3323	326	10	consistent	consistent	ADJ
fsr-3323	326	11	with	with	ADP
fsr-3323	326	12	those	those	PRON
fsr-3323	326	13	from	from	ADP
fsr-3323	326	14	the	the	DET
fsr-3323	326	15	descriptive	descriptive	ADJ
fsr-3323	326	16	statistics	statistic	NOUN
fsr-3323	326	17	section	section	NOUN
fsr-3323	326	18	,	,	PUNCT
fsr-3323	326	19	where	where	SCONJ
fsr-3323	326	20	higher	high	ADJ
fsr-3323	326	21	misconduct	misconduct	NOUN
fsr-3323	326	22	for	for	ADP
fsr-3323	326	23	cfps	cfps	NOUN
fsr-3323	326	24	and	and	CCONJ
fsr-3323	326	25	chfcs	chfc	NOUN
fsr-3323	326	26	was	be	AUX
fsr-3323	326	27	found	find	VERB
fsr-3323	326	28	.	.	PUNCT
fsr-3323	327	1	this	this	PRON
fsr-3323	327	2	may	may	AUX
fsr-3323	327	3	be	be	AUX
fsr-3323	327	4	because	because	SCONJ
fsr-3323	327	5	of	of	ADP
fsr-3323	327	6	the	the	DET
fsr-3323	327	7	confounding	confound	VERB
fsr-3323	327	8	influence	influence	NOUN
fsr-3323	327	9	of	of	ADP
fsr-3323	327	10	misconduct	misconduct	NOUN
fsr-3323	327	11	-	-	PUNCT
fsr-3323	327	12	increasing	increase	VERB
fsr-3323	327	13	factors	factor	NOUN
fsr-3323	327	14	such	such	ADJ
fsr-3323	327	15	as	as	ADP
fsr-3323	327	16	insurance	insurance	NOUN
fsr-3323	327	17	licensure	licensure	NOUN
fsr-3323	327	18	,	,	PUNCT
fsr-3323	327	19	iar	iar	ADJ
fsr-3323	327	20	registration	registration	NOUN
fsr-3323	327	21	,	,	PUNCT
fsr-3323	327	22	and	and	CCONJ
fsr-3323	327	23	maleness	maleness	NOUN
fsr-3323	327	24	.	.	PUNCT
fsr-3323	328	1	the	the	DET
fsr-3323	328	2	fact	fact	NOUN
fsr-3323	328	3	that	that	SCONJ
fsr-3323	328	4	all	all	DET
fsr-3323	328	5	three	three	NUM
fsr-3323	328	6	of	of	ADP
fsr-3323	328	7	these	these	DET
fsr-3323	328	8	characteristics	characteristic	NOUN
fsr-3323	328	9	are	be	AUX
fsr-3323	328	10	associated	associate	VERB
fsr-3323	328	11	with	with	ADP
fsr-3323	328	12	higher	high	ADJ
fsr-3323	328	13	misconduct	misconduct	NOUN
fsr-3323	328	14	affirms	affirm	VERB
fsr-3323	328	15	the	the	DET
fsr-3323	328	16	descriptive	descriptive	ADJ
fsr-3323	328	17	statistics	statistic	NOUN
fsr-3323	328	18	findings	finding	NOUN
fsr-3323	328	19	,	,	PUNCT
fsr-3323	328	20	and	and	CCONJ
fsr-3323	328	21	they	they	PRON
fsr-3323	328	22	all	all	PRON
fsr-3323	328	23	appear	appear	VERB
fsr-3323	328	24	more	more	ADV
fsr-3323	328	25	influential	influential	ADJ
fsr-3323	328	26	than	than	ADP
fsr-3323	328	27	the	the	DET
fsr-3323	328	28	designation	designation	NOUN
fsr-3323	328	29	effect	effect	NOUN
fsr-3323	328	30	.	.	PUNCT
fsr-3323	329	1	it	it	PRON
fsr-3323	329	2	is	be	AUX
fsr-3323	329	3	possible	possible	ADJ
fsr-3323	329	4	that	that	SCONJ
fsr-3323	329	5	these	these	DET
fsr-3323	329	6	compensation	compensation	NOUN
fsr-3323	329	7	conflicts	conflict	NOUN
fsr-3323	329	8	somewhat	somewhat	ADV
fsr-3323	329	9	outweigh	outweigh	VERB
fsr-3323	329	10	the	the	DET
fsr-3323	329	11	good	good	NOUN
fsr-3323	329	12	that	that	SCONJ
fsr-3323	329	13	designations	designation	NOUN
fsr-3323	329	14	may	may	AUX
fsr-3323	329	15	confer	confer	VERB
fsr-3323	329	16	.	.	PUNCT
fsr-3323	330	1	the	the	DET
fsr-3323	330	2	temptation	temptation	NOUN
fsr-3323	330	3	of	of	ADP
fsr-3323	330	4	high	high	ADJ
fsr-3323	330	5	and	and	CCONJ
fsr-3323	330	6	poorly	poorly	ADV
fsr-3323	330	7	disclosed	disclose	VERB
fsr-3323	330	8	insurance	insurance	NOUN
fsr-3323	330	9	or	or	CCONJ
fsr-3323	330	10	securities	security	NOUN
fsr-3323	330	11	commissions	commission	NOUN
fsr-3323	330	12	,	,	PUNCT
fsr-3323	330	13	perhaps	perhaps	ADV
fsr-3323	330	14	misleadingly	misleadingly	ADV
fsr-3323	330	15	obtained	obtain	VERB
fsr-3323	330	16	under	under	ADP
fsr-3323	330	17	a	a	DET
fsr-3323	330	18	false	false	ADJ
fsr-3323	330	19	iar	iar	NOUN
fsr-3323	330	20	or	or	CCONJ
fsr-3323	330	21	designation	designation	NOUN
fsr-3323	330	22	fiduciary	fiduciary	ADJ
fsr-3323	330	23	flag	flag	NOUN
fsr-3323	330	24	where	where	SCONJ
fsr-3323	330	25	consumers	consumer	NOUN
fsr-3323	330	26	are	be	AUX
fsr-3323	330	27	allowed	allow	VERB
fsr-3323	330	28	to	to	PART
fsr-3323	330	29	believe	believe	VERB
fsr-3323	330	30	their	their	PRON
fsr-3323	330	31	interests	interest	NOUN
fsr-3323	330	32	are	be	AUX
fsr-3323	330	33	put	put	VERB
fsr-3323	330	34	first	first	ADV
fsr-3323	330	35	,	,	PUNCT
fsr-3323	330	36	may	may	AUX
fsr-3323	330	37	influence	influence	VERB
fsr-3323	330	38	or	or	CCONJ
fsr-3323	330	39	even	even	ADV
fsr-3323	330	40	enable	enable	VERB
fsr-3323	330	41	the	the	DET
fsr-3323	330	42	designee	designee	NOUN
fsr-3323	330	43	to	to	PART
fsr-3323	330	44	act	act	VERB
fsr-3323	330	45	less	less	ADV
fsr-3323	330	46	ethically	ethically	ADV
fsr-3323	330	47	than	than	SCONJ
fsr-3323	330	48	implied	imply	VERB
fsr-3323	330	49	by	by	ADP
fsr-3323	330	50	the	the	DET
fsr-3323	330	51	signal	signal	NOUN
fsr-3323	330	52	,	,	PUNCT
fsr-3323	330	53	inducing	induce	VERB
fsr-3323	330	54	complaints	complaint	NOUN
fsr-3323	330	55	and	and	CCONJ
fsr-3323	330	56	other	other	ADJ
fsr-3323	330	57	misconduct	misconduct	NOUN
fsr-3323	330	58	markers	marker	NOUN
fsr-3323	330	59	.	.	PUNCT
fsr-3323	331	1	this	this	PRON
fsr-3323	331	2	may	may	AUX
fsr-3323	331	3	be	be	AUX
fsr-3323	331	4	one	one	NUM
fsr-3323	331	5	explanation	explanation	NOUN
fsr-3323	331	6	for	for	ADP
fsr-3323	331	7	the	the	DET
fsr-3323	331	8	descriptive	descriptive	ADJ
fsr-3323	331	9	statistics	statistic	NOUN
fsr-3323	331	10	finding	find	VERB
fsr-3323	331	11	that	that	SCONJ
fsr-3323	331	12	misconduct	misconduct	NOUN
fsr-3323	331	13	rises	rise	VERB
fsr-3323	331	14	for	for	ADP
fsr-3323	331	15	chfcs	chfc	NOUN
fsr-3323	331	16	and	and	CCONJ
fsr-3323	331	17	cfps	cfps	NOUN
fsr-3323	331	18	over	over	ADP
fsr-3323	331	19	non	non	NOUN
fsr-3323	331	20	-	-	NOUN
fsr-3323	331	21	designees	designee	NOUN
fsr-3323	331	22	,	,	PUNCT
fsr-3323	331	23	but	but	CCONJ
fsr-3323	331	24	the	the	DET
fsr-3323	331	25	question	question	NOUN
fsr-3323	331	26	is	be	AUX
fsr-3323	331	27	left	leave	VERB
fsr-3323	331	28	for	for	ADP
fsr-3323	331	29	further	further	ADJ
fsr-3323	331	30	research	research	NOUN
fsr-3323	331	31	,	,	PUNCT
fsr-3323	331	32	including	include	VERB
fsr-3323	331	33	a	a	DET
fsr-3323	331	34	study	study	NOUN
fsr-3323	331	35	of	of	ADP
fsr-3323	331	36	misconduct	misconduct	NOUN
fsr-3323	331	37	by	by	ADP
fsr-3323	331	38	specific	specific	ADJ
fsr-3323	331	39	designation	designation	NOUN
fsr-3323	331	40	now	now	ADV
fsr-3323	331	41	underway	underway	ADJ
fsr-3323	331	42	by	by	ADP
fsr-3323	331	43	this	this	DET
fsr-3323	331	44	author	author	NOUN
fsr-3323	331	45	.	.	PUNCT
fsr-3323	332	1	the	the	DET
fsr-3323	332	2	discovered	discover	VERB
fsr-3323	332	3	gender	gender	NOUN
fsr-3323	332	4	effect	effect	NOUN
fsr-3323	332	5	has	have	AUX
fsr-3323	332	6	now	now	ADV
fsr-3323	332	7	been	be	AUX
fsr-3323	332	8	confirmed	confirm	VERB
fsr-3323	332	9	by	by	ADP
fsr-3323	332	10	subsequent	subsequent	ADJ
fsr-3323	332	11	research	research	NOUN
fsr-3323	332	12	(	(	PUNCT
fsr-3323	332	13	egan	egan	PROPN
fsr-3323	332	14	,	,	PUNCT
fsr-3323	332	15	matvos	matvos	NUM
fsr-3323	332	16	,	,	PUNCT
fsr-3323	332	17	&	&	CCONJ
fsr-3323	332	18	seru	seru	PROPN
fsr-3323	332	19	,	,	PUNCT
fsr-3323	332	20	2017	2017	NUM
fsr-3323	332	21	)	)	PUNCT
fsr-3323	332	22	,	,	PUNCT
fsr-3323	332	23	but	but	CCONJ
fsr-3323	332	24	an	an	DET
fsr-3323	332	25	exploration	exploration	NOUN
fsr-3323	332	26	of	of	ADP
fsr-3323	332	27	its	its	PRON
fsr-3323	332	28	likely	likely	ADJ
fsr-3323	332	29	complex	complex	ADJ
fsr-3323	332	30	causes	cause	NOUN
fsr-3323	332	31	is	be	AUX
fsr-3323	332	32	deferred	defer	VERB
fsr-3323	332	33	to	to	ADP
fsr-3323	332	34	later	later	ADV
fsr-3323	332	35	study	study	NOUN
fsr-3323	332	36	.	.	PUNCT
fsr-3323	333	1	references	reference	NOUN
fsr-3323	333	2	barry	barry	PROPN
fsr-3323	333	3	,	,	PUNCT
fsr-3323	333	4	r.	r.	PROPN
fsr-3323	333	5	,	,	PUNCT
fsr-3323	333	6	&	&	CCONJ
fsr-3323	333	7	eaglesham	eaglesham	PROPN
fsr-3323	333	8	,	,	PUNCT
fsr-3323	333	9	j.	j.	PROPN
fsr-3323	333	10	(	(	PUNCT
fsr-3323	333	11	2014	2014	NUM
fsr-3323	333	12	)	)	PUNCT
fsr-3323	333	13	.	.	PUNCT
fsr-3323	334	1	regulatory	regulatory	ADJ
fsr-3323	334	2	breakdowns	breakdown	NOUN
fsr-3323	334	3	in	in	ADP
fsr-3323	334	4	oversight	oversight	NOUN
fsr-3323	334	5	of	of	ADP
fsr-3323	334	6	us	us	PROPN
fsr-3323	334	7	stockbrokers	stockbroker	NOUN
fsr-3323	334	8	.	.	PUNCT
fsr-3323	335	1	wall	wall	PROPN
fsr-3323	335	2	street	street	PROPN
fsr-3323	335	3	journal	journal	PROPN
fsr-3323	336	1	[	[	X
fsr-3323	336	2	whitepaper	whitepaper	NOUN
fsr-3323	336	3	]	]	X
fsr-3323	336	4	.	.	PUNCT
fsr-3323	337	1	brockman	brockman	PROPN
fsr-3323	337	2	,	,	PUNCT
fsr-3323	337	3	c.	c.	PROPN
fsr-3323	337	4	,	,	PUNCT
fsr-3323	337	5	&	&	CCONJ
fsr-3323	337	6	brooks	brooks	PROPN
fsr-3323	337	7	,	,	PUNCT
fsr-3323	337	8	r.	r.	PROPN
fsr-3323	337	9	(	(	PUNCT
fsr-3323	337	10	1998	1998	NUM
fsr-3323	337	11	)	)	PUNCT
fsr-3323	337	12	.	.	PUNCT
fsr-3323	338	1	the	the	DET
fsr-3323	338	2	cfa	cfa	PROPN
fsr-3323	338	3	charter	charter	NOUN
fsr-3323	338	4	:	:	PUNCT
fsr-3323	338	5	adding	add	VERB
fsr-3323	338	6	value	value	NOUN
fsr-3323	338	7	to	to	ADP
fsr-3323	338	8	the	the	DET
fsr-3323	338	9	market	market	NOUN
fsr-3323	338	10	.	.	PUNCT
fsr-3323	339	1	financial	financial	ADJ
fsr-3323	339	2	analysts	analyst	NOUN
fsr-3323	339	3	journal	journal	NOUN
fsr-3323	339	4	,	,	PUNCT
fsr-3323	339	5	54	54	NUM
fsr-3323	339	6	,	,	PUNCT
fsr-3323	339	7	81–85	81–85	NUM
fsr-3323	339	8	.	.	PUNCT
fsr-3323	340	1	cfa	cfa	PROPN
fsr-3323	340	2	institute	institute	PROPN
fsr-3323	340	3	.	.	PUNCT
fsr-3323	341	1	(	(	PUNCT
fsr-3323	341	2	2015	2015	NUM
fsr-3323	341	3	)	)	PUNCT
fsr-3323	341	4	.	.	PUNCT
fsr-3323	342	1	code	code	NOUN
fsr-3323	342	2	of	of	ADP
fsr-3323	342	3	ethics	ethic	NOUN
fsr-3323	342	4	and	and	CCONJ
fsr-3323	342	5	standards	standard	NOUN
fsr-3323	342	6	of	of	ADP
fsr-3323	342	7	professional	professional	ADJ
fsr-3323	342	8	conduct	conduct	NOUN
fsr-3323	342	9	.	.	PUNCT
fsr-3323	343	1	(	(	PUNCT
fsr-3323	343	2	available	available	ADJ
fsr-3323	343	3	at	at	ADP
fsr-3323	343	4	http://www	http://www	PROPN
fsr-3323	343	5	.	.	PUNCT
fsr-3323	344	1	cfainstitute.org/ethics/codes/ethics/pages/index.aspx	cfainstitute.org/ethics/codes/ethics/pages/index.aspx	PROPN
fsr-3323	344	2	)	)	PUNCT
fsr-3323	344	3	cfa	cfa	PROPN
fsr-3323	344	4	institute	institute	PROPN
fsr-3323	344	5	.	.	PUNCT
fsr-3323	345	1	(	(	PUNCT
fsr-3323	345	2	2016	2016	NUM
fsr-3323	345	3	)	)	PUNCT
fsr-3323	345	4	.	.	PUNCT
fsr-3323	346	1	value	value	NOUN
fsr-3323	346	2	of	of	ADP
fsr-3323	346	3	the	the	DET
fsr-3323	346	4	cfa	cfa	PROPN
fsr-3323	346	5	charter	charter	NOUN
fsr-3323	346	6	.	.	PUNCT
fsr-3323	347	1	(	(	PUNCT
fsr-3323	347	2	available	available	ADJ
fsr-3323	347	3	at	at	ADP
fsr-3323	347	4	https://www.cfainstitute.org/programs/cfaprogram/	https://www.cfainstitute.org/programs/cfaprogram/	PROPN
fsr-3323	347	5	charter	charter	NOUN
fsr-3323	347	6	/	/	SYM
fsr-3323	347	7	value	value	NOUN
fsr-3323	347	8	/	/	SYM
fsr-3323	347	9	pages	page	NOUN
fsr-3323	347	10	/	/	SYM
fsr-3323	347	11	index.aspx	index.aspx	PROPN
fsr-3323	347	12	)	)	PUNCT
fsr-3323	347	13	cfp	cfp	PROPN
fsr-3323	347	14	board	board	PROPN
fsr-3323	347	15	.	.	PUNCT
fsr-3323	348	1	(	(	PUNCT
fsr-3323	348	2	2015	2015	NUM
fsr-3323	348	3	)	)	PUNCT
fsr-3323	348	4	.	.	PUNCT
fsr-3323	349	1	2015	2015	NUM
fsr-3323	349	2	annual	annual	ADJ
fsr-3323	349	3	brand	brand	NOUN
fsr-3323	349	4	tracking	tracking	NOUN
fsr-3323	349	5	report	report	NOUN
fsr-3323	349	6	:	:	PUNCT
fsr-3323	349	7	executive	executive	ADJ
fsr-3323	349	8	summary	summary	NOUN
fsr-3323	349	9	.	.	PUNCT
fsr-3323	350	1	(	(	PUNCT
fsr-3323	350	2	available	available	ADJ
fsr-3323	350	3	at	at	ADP
fsr-3323	350	4	http://www	http://www	PROPN
fsr-3323	350	5	.	.	PUNCT
fsr-3323	350	6	letsmakeaplan.org/docs/default-source/default-document-library/2015-annual-brand-tracking-report-executivesummary.pdf	letsmakeaplan.org/docs/default-source/default-document-library/2015-annual-brand-tracking-report-executivesummary.pdf	PROPN
fsr-3323	350	7	)	)	PUNCT
fsr-3323	350	8	cfp	cfp	PROPN
fsr-3323	350	9	board	board	PROPN
fsr-3323	350	10	.	.	PUNCT
fsr-3323	351	1	(	(	PUNCT
fsr-3323	351	2	2016	2016	NUM
fsr-3323	351	3	)	)	PUNCT
fsr-3323	351	4	.	.	PUNCT
fsr-3323	352	1	cfp	cfp	PROPN
fsr-3323	352	2	certification	certification	NOUN
fsr-3323	352	3	:	:	PUNCT
fsr-3323	352	4	the	the	DET
fsr-3323	352	5	standard	standard	NOUN
fsr-3323	352	6	of	of	ADP
fsr-3323	352	7	excellence	excellence	PROPN
fsr-3323	352	8	.	.	PUNCT
fsr-3323	353	1	(	(	PUNCT
fsr-3323	353	2	available	available	ADJ
fsr-3323	353	3	at	at	ADP
fsr-3323	353	4	http://www.cfp.net/about-cfpboard/cfp-certification-the-standard-of-excellence	http://www.cfp.net/about-cfpboard/cfp-certification-the-standard-of-excellence	NOUN
fsr-3323	353	5	)	)	PUNCT
fsr-3323	353	6	cfp	cfp	PROPN
fsr-3323	353	7	board	board	NOUN
fsr-3323	353	8	standards	standard	NOUN
fsr-3323	353	9	of	of	ADP
fsr-3323	353	10	professional	professional	ADJ
fsr-3323	353	11	conduct	conduct	NOUN
fsr-3323	353	12	.	.	PUNCT
fsr-3323	354	1	(	(	PUNCT
fsr-3323	354	2	2008/2014	2008/2014	NUM
fsr-3323	354	3	)	)	PUNCT
fsr-3323	354	4	.	.	PUNCT
fsr-3323	355	1	(	(	PUNCT
fsr-3323	355	2	available	available	ADJ
fsr-3323	355	3	at	at	ADP
fsr-3323	355	4	cfp.net/docs/ethics-enforcement/	cfp.net/docs/ethics-enforcement/	PROPN
fsr-3323	355	5	standards-of-professional-conduct-final.pdf?sfvrsn�2	standards-of-professional-conduct-final.pdf?sfvrsn�2	PROPN
fsr-3323	355	6	)	)	PUNCT
fsr-3323	355	7	cordell	cordell	PROPN
fsr-3323	355	8	,	,	PUNCT
fsr-3323	355	9	d.	d.	PROPN
fsr-3323	355	10	,	,	PUNCT
fsr-3323	355	11	smith	smith	PROPN
fsr-3323	355	12	,	,	PUNCT
fsr-3323	355	13	r.	r.	PROPN
fsr-3323	355	14	,	,	PUNCT
fsr-3323	355	15	&	&	CCONJ
fsr-3323	355	16	terry	terry	PROPN
fsr-3323	355	17	,	,	PUNCT
fsr-3323	355	18	a.	a.	NOUN
fsr-3323	355	19	(	(	PUNCT
fsr-3323	355	20	2011	2011	NUM
fsr-3323	355	21	)	)	PUNCT
fsr-3323	355	22	.	.	PUNCT
fsr-3323	356	1	overconfidence	overconfidence	NOUN
fsr-3323	356	2	in	in	ADP
fsr-3323	356	3	financial	financial	ADJ
fsr-3323	356	4	planners	planner	NOUN
fsr-3323	356	5	.	.	PUNCT
fsr-3323	357	1	financial	financial	ADJ
fsr-3323	357	2	services	service	NOUN
fsr-3323	357	3	review	review	PROPN
fsr-3323	357	4	,	,	PUNCT
fsr-3323	357	5	20	20	NUM
fsr-3323	357	6	,	,	PUNCT
fsr-3323	357	7	253–263	253–263	NUM
fsr-3323	357	8	.	.	PUNCT
fsr-3323	358	1	cummings	cummings	PROPN
fsr-3323	358	2	,	,	PUNCT
fsr-3323	358	3	b.	b.	PROPN
fsr-3323	358	4	,	,	PUNCT
fsr-3323	358	5	&	&	CCONJ
fsr-3323	358	6	finke	finke	PROPN
fsr-3323	358	7	,	,	PUNCT
fsr-3323	358	8	m.	m.	NOUN
fsr-3323	358	9	(	(	PUNCT
fsr-3323	358	10	2010	2010	NUM
fsr-3323	358	11	)	)	PUNCT
fsr-3323	358	12	.	.	PUNCT
fsr-3323	359	1	the	the	DET
fsr-3323	359	2	economics	economic	NOUN
fsr-3323	359	3	of	of	ADP
fsr-3323	359	4	fiduciary	fiduciary	ADJ
fsr-3323	359	5	investment	investment	NOUN
fsr-3323	359	6	advice	advice	NOUN
fsr-3323	359	7	(	(	PUNCT
fsr-3323	359	8	ssrn	ssrn	PROPN
fsr-3323	359	9	working	work	VERB
fsr-3323	359	10	paper	paper	NOUN
fsr-3323	359	11	1701181	1701181	NUM
fsr-3323	359	12	)	)	PUNCT
fsr-3323	359	13	.	.	PUNCT
fsr-3323	360	1	(	(	PUNCT
fsr-3323	360	2	available	available	ADJ
fsr-3323	360	3	at	at	ADP
fsr-3323	360	4	ssrn.com/abstract�1701181	ssrn.com/abstract�1701181	X
fsr-3323	360	5	)	)	PUNCT
fsr-3323	360	6	dean	dean	PROPN
fsr-3323	360	7	,	,	PUNCT
fsr-3323	360	8	p.	p.	NOUN
fsr-3323	360	9	(	(	PUNCT
fsr-3323	360	10	1997	1997	NUM
fsr-3323	360	11	)	)	PUNCT
fsr-3323	360	12	.	.	PUNCT
fsr-3323	361	1	examining	examine	VERB
fsr-3323	361	2	the	the	DET
fsr-3323	361	3	profession	profession	NOUN
fsr-3323	361	4	and	and	CCONJ
fsr-3323	361	5	practice	practice	NOUN
fsr-3323	361	6	of	of	ADP
fsr-3323	361	7	business	business	NOUN
fsr-3323	361	8	ethics	ethic	NOUN
fsr-3323	361	9	.	.	PUNCT
fsr-3323	362	1	journal	journal	PROPN
fsr-3323	362	2	of	of	ADP
fsr-3323	362	3	business	business	NOUN
fsr-3323	362	4	ethics	ethic	NOUN
fsr-3323	362	5	,	,	PUNCT
fsr-3323	362	6	16	16	NUM
fsr-3323	362	7	,	,	PUNCT
fsr-3323	362	8	1637–1649	1637–1649	NUM
fsr-3323	362	9	.	.	PUNCT
fsr-3323	363	1	egan	egan	PROPN
fsr-3323	363	2	,	,	PUNCT
fsr-3323	363	3	m.	m.	NOUN
fsr-3323	363	4	,	,	PUNCT
fsr-3323	363	5	matvos	matvos	PROPN
fsr-3323	363	6	,	,	PUNCT
fsr-3323	363	7	g.	g.	PROPN
fsr-3323	363	8	,	,	PUNCT
fsr-3323	363	9	&	&	CCONJ
fsr-3323	363	10	seru	seru	PROPN
fsr-3323	363	11	,	,	PUNCT
fsr-3323	363	12	a.	a.	PROPN
fsr-3323	363	13	(	(	PUNCT
fsr-3323	363	14	2016	2016	NUM
fsr-3323	363	15	)	)	PUNCT
fsr-3323	363	16	.	.	PUNCT
fsr-3323	364	1	the	the	DET
fsr-3323	364	2	market	market	NOUN
fsr-3323	364	3	for	for	ADP
fsr-3323	364	4	financial	financial	ADJ
fsr-3323	364	5	adviser	adviser	NOUN
fsr-3323	364	6	misconduct	misconduct	NOUN
fsr-3323	364	7	.	.	PUNCT
fsr-3323	365	1	(	(	PUNCT
fsr-3323	365	2	available	available	ADJ
fsr-3323	365	3	at	at	ADP
fsr-3323	365	4	http://	http://	PROPN
fsr-3323	365	5	www.nber.org/papers/w22050	www.nber.org/papers/w22050	PROPN
fsr-3323	365	6	)	)	PUNCT
fsr-3323	365	7	finra	finra	PROPN
fsr-3323	365	8	.	.	PUNCT
fsr-3323	366	1	(	(	PUNCT
fsr-3323	366	2	2016	2016	NUM
fsr-3323	366	3	)	)	PUNCT
fsr-3323	366	4	.	.	PUNCT
fsr-3323	367	1	registered	register	VERB
fsr-3323	367	2	representatives	representative	NOUN
fsr-3323	367	3	brochure	brochure	NOUN
fsr-3323	367	4	.	.	PUNCT
fsr-3323	368	1	(	(	PUNCT
fsr-3323	368	2	available	available	ADJ
fsr-3323	368	3	at	at	ADP
fsr-3323	368	4	http://www.finra.org/sites/default/files/	http://www.finra.org/sites/default/files/	PROPN
fsr-3323	368	5	registered-representatives-brochure.pdf	registered-representatives-brochure.pdf	NOUN
fsr-3323	368	6	)	)	PUNCT
fsr-3323	368	7	288	288	NUM
fsr-3323	368	8	j.m	j.m	NOUN
fsr-3323	368	9	.	.	PROPN
fsr-3323	368	10	camarda	camarda	PROPN
fsr-3323	368	11	/	/	SYM
fsr-3323	368	12	financial	financial	ADJ
fsr-3323	368	13	services	service	NOUN
fsr-3323	368	14	review	review	VERB
fsr-3323	368	15	26	26	NUM
fsr-3323	368	16	(	(	PUNCT
fsr-3323	368	17	2017	2017	NUM
fsr-3323	368	18	)	)	PUNCT
fsr-3323	368	19	271–290	271–290	NUM
fsr-3323	368	20	financial	financial	ADJ
fsr-3323	368	21	planning	planning	NOUN
fsr-3323	368	22	coalition	coalition	NOUN
fsr-3323	368	23	.	.	PUNCT
fsr-3323	369	1	(	(	PUNCT
fsr-3323	369	2	2014	2014	NUM
fsr-3323	369	3	)	)	PUNCT
fsr-3323	369	4	.	.	PUNCT
fsr-3323	370	1	consumers	consumer	NOUN
fsr-3323	370	2	are	be	AUX
fsr-3323	370	3	confused	confused	ADJ
fsr-3323	370	4	and	and	CCONJ
fsr-3323	370	5	harmed	harm	VERB
fsr-3323	370	6	:	:	PUNCT
fsr-3323	370	7	the	the	DET
fsr-3323	370	8	case	case	NOUN
fsr-3323	370	9	for	for	ADP
fsr-3323	370	10	regulation	regulation	NOUN
fsr-3323	370	11	of	of	ADP
fsr-3323	370	12	financial	financial	ADJ
fsr-3323	370	13	planners	planner	NOUN
fsr-3323	370	14	.	.	PUNCT
fsr-3323	371	1	(	(	PUNCT
fsr-3323	371	2	available	available	ADJ
fsr-3323	371	3	at	at	ADP
fsr-3323	371	4	http://financialplanningcoalition.com/wp-content/uploads/2014/06/financialplanning-coalition-regulatory-standards-white-paper-final.pdf	http://financialplanningcoalition.com/wp-content/uploads/2014/06/financialplanning-coalition-regulatory-standards-white-paper-final.pdf	NOUN
fsr-3323	371	5	)	)	PUNCT
fsr-3323	371	6	finke	finke	PROPN
fsr-3323	371	7	,	,	PUNCT
fsr-3323	371	8	m.	m.	NOUN
fsr-3323	371	9	,	,	PUNCT
fsr-3323	371	10	&	&	CCONJ
fsr-3323	371	11	langdon	langdon	PROPN
fsr-3323	371	12	,	,	PUNCT
fsr-3323	371	13	t.	t.	PROPN
fsr-3323	371	14	(	(	PUNCT
fsr-3323	371	15	2012	2012	NUM
fsr-3323	371	16	)	)	PUNCT
fsr-3323	371	17	.	.	PUNCT
fsr-3323	372	1	the	the	DET
fsr-3323	372	2	impact	impact	NOUN
fsr-3323	372	3	of	of	ADP
fsr-3323	372	4	the	the	DET
fsr-3323	372	5	broker	broker	NOUN
fsr-3323	372	6	-	-	PUNCT
fsr-3323	372	7	dealer	dealer	NOUN
fsr-3323	372	8	fiduciary	fiduciary	ADJ
fsr-3323	372	9	standard	standard	NOUN
fsr-3323	372	10	on	on	ADP
fsr-3323	372	11	financial	financial	ADJ
fsr-3323	372	12	advice	advice	NOUN
fsr-3323	372	13	.	.	PUNCT
fsr-3323	373	1	journal	journal	NOUN
fsr-3323	373	2	of	of	ADP
fsr-3323	373	3	financial	financial	ADJ
fsr-3323	373	4	planning	planning	NOUN
fsr-3323	373	5	,	,	PUNCT
fsr-3323	373	6	25	25	NUM
fsr-3323	373	7	,	,	PUNCT
fsr-3323	373	8	28–37	28–37	NOUN
fsr-3323	373	9	.	.	PUNCT
fsr-3323	374	1	flexner	flexner	NOUN
fsr-3323	374	2	,	,	PUNCT
fsr-3323	374	3	a.	a.	NOUN
fsr-3323	374	4	(	(	PUNCT
fsr-3323	374	5	1976	1976	NUM
fsr-3323	374	6	)	)	PUNCT
fsr-3323	374	7	.	.	PUNCT
fsr-3323	375	1	is	be	AUX
fsr-3323	375	2	social	social	ADJ
fsr-3323	375	3	work	work	NOUN
fsr-3323	375	4	a	a	DET
fsr-3323	375	5	profession	profession	NOUN
fsr-3323	375	6	?	?	PUNCT
fsr-3323	376	1	proceedings	proceeding	NOUN
fsr-3323	376	2	of	of	ADP
fsr-3323	376	3	the	the	DET
fsr-3323	376	4	national	national	ADJ
fsr-3323	376	5	conference	conference	NOUN
fsr-3323	376	6	of	of	ADP
fsr-3323	376	7	charities	charity	NOUN
fsr-3323	376	8	and	and	CCONJ
fsr-3323	376	9	corrections	correction	NOUN
fsr-3323	376	10	.	.	PUNCT
fsr-3323	377	1	(	(	PUNCT
fsr-3323	377	2	available	available	ADJ
fsr-3323	377	3	at	at	ADP
fsr-3323	377	4	http://scholar.google.com/scholar?hl�en&q�is�social�work�a�profession	http://scholar.google.com/scholar?hl�en&q�is�social�work�a�profession	PROPN
fsr-3323	377	5	�	�	PROPN
fsr-3323	377	6	flexner	flexner	PROPN
fsr-3323	377	7	�	�	PROPN
fsr-3323	377	8	and	and	CCONJ
fsr-3323	377	9	�	�	PROPN
fsr-3323	377	10	metzger	metzger	PROPN
fsr-3323	377	11	�	�	PROPN
fsr-3323	377	12	college	college	PROPN
fsr-3323	377	13	�	�	PROPN
fsr-3323	377	14	and	and	CCONJ
fsr-3323	377	15	�	�	PROPN
fsr-3323	377	16	university	university	PROPN
fsr-3323	377	17	�	�	PROPN
fsr-3323	377	18	1976&btng	1976&btng	PROPN
fsr-3323	377	19	�	�	PROPN
fsr-3323	377	20	&as_sdt	&as_sdt	NOUN
fsr-3323	377	21	�	�	PROPN
fsr-3323	377	22	1%2c10&as_sdtp	1%2c10&as_sdtp	NUM
fsr-3323	377	23	�	�	NOUN
fsr-3323	377	24	)	)	PUNCT
fsr-3323	377	25	flexner	flexner	NOUN
fsr-3323	377	26	,	,	PUNCT
fsr-3323	377	27	a.	a.	NOUN
fsr-3323	377	28	,	,	PUNCT
fsr-3323	377	29	&	&	CCONJ
fsr-3323	377	30	metzger	metzger	PROPN
fsr-3323	377	31	,	,	PUNCT
fsr-3323	377	32	w.	w.	PROPN
fsr-3323	377	33	(	(	PUNCT
fsr-3323	377	34	1976	1976	NUM
fsr-3323	377	35	)	)	PUNCT
fsr-3323	377	36	.	.	PUNCT
fsr-3323	378	1	is	be	AUX
fsr-3323	378	2	social	social	ADJ
fsr-3323	378	3	work	work	NOUN
fsr-3323	378	4	a	a	DET
fsr-3323	378	5	profession	profession	NOUN
fsr-3323	378	6	?	?	PUNCT
fsr-3323	379	1	what	what	PRON
fsr-3323	379	2	is	be	AUX
fsr-3323	379	3	a	a	DET
fsr-3323	379	4	profession	profession	NOUN
fsr-3323	379	5	?	?	PUNCT
fsr-3323	380	1	college	college	NOUN
fsr-3323	380	2	and	and	CCONJ
fsr-3323	380	3	university	university	NOUN
fsr-3323	380	4	,	,	PUNCT
fsr-3323	380	5	52	52	NUM
fsr-3323	380	6	,	,	PUNCT
fsr-3323	380	7	42–55	42–55	NOUN
fsr-3323	380	8	.	.	PUNCT
fsr-3323	381	1	frumento	frumento	ADP
fsr-3323	381	2	,	,	PUNCT
fsr-3323	381	3	a.	a.	NOUN
fsr-3323	381	4	,	,	PUNCT
fsr-3323	381	5	&	&	CCONJ
fsr-3323	381	6	korenman	korenman	PROPN
fsr-3323	381	7	,	,	PUNCT
fsr-3323	381	8	s.	s.	PROPN
fsr-3323	381	9	(	(	PUNCT
fsr-3323	381	10	2013	2013	NUM
fsr-3323	381	11	)	)	PUNCT
fsr-3323	381	12	.	.	PUNCT
fsr-3323	382	1	professionalism	professionalism	NOUN
fsr-3323	382	2	and	and	CCONJ
fsr-3323	382	3	investment	investment	NOUN
fsr-3323	382	4	advisors	advisor	NOUN
fsr-3323	382	5	.	.	PUNCT
fsr-3323	383	1	journal	journal	NOUN
fsr-3323	383	2	of	of	ADP
fsr-3323	383	3	investment	investment	NOUN
fsr-3323	383	4	compliance	compliance	NOUN
fsr-3323	383	5	,	,	PUNCT
fsr-3323	383	6	14	14	NUM
fsr-3323	383	7	,	,	PUNCT
fsr-3323	383	8	32–41	32–41	NUM
fsr-3323	383	9	.	.	PUNCT
fsr-3323	384	1	government	government	NOUN
fsr-3323	384	2	accountability	accountability	NOUN
fsr-3323	384	3	office	office	NOUN
fsr-3323	384	4	.	.	PUNCT
fsr-3323	385	1	(	(	PUNCT
fsr-3323	385	2	2011	2011	NUM
fsr-3323	385	3	)	)	PUNCT
fsr-3323	385	4	.	.	PUNCT
fsr-3323	386	1	consumer	consumer	NOUN
fsr-3323	386	2	finance	finance	NOUN
fsr-3323	386	3	:	:	PUNCT
fsr-3323	386	4	regulatory	regulatory	ADJ
fsr-3323	386	5	coverage	coverage	NOUN
fsr-3323	386	6	generally	generally	ADV
fsr-3323	386	7	exists	exist	VERB
fsr-3323	386	8	for	for	ADP
fsr-3323	386	9	financial	financial	ADJ
fsr-3323	386	10	planners	planner	NOUN
fsr-3323	386	11	,	,	PUNCT
fsr-3323	386	12	but	but	CCONJ
fsr-3323	386	13	consumer	consumer	NOUN
fsr-3323	386	14	protection	protection	NOUN
fsr-3323	386	15	issues	issue	NOUN
fsr-3323	386	16	remain	remain	VERB
fsr-3323	386	17	(	(	PUNCT
fsr-3323	386	18	gao-11–235	gao-11–235	NOUN
fsr-3323	386	19	)	)	PUNCT
fsr-3323	386	20	.	.	PUNCT
fsr-3323	387	1	washington	washington	PROPN
fsr-3323	387	2	,	,	PUNCT
fsr-3323	387	3	dc	dc	PROPN
fsr-3323	387	4	:	:	PUNCT
fsr-3323	387	5	government	government	NOUN
fsr-3323	387	6	printing	printing	NOUN
fsr-3323	387	7	office	office	NOUN
fsr-3323	387	8	.	.	PUNCT
fsr-3323	388	1	hauptman	hauptman	NOUN
fsr-3323	388	2	,	,	PUNCT
fsr-3323	388	3	m.	m.	NOUN
fsr-3323	388	4	,	,	PUNCT
fsr-3323	388	5	&	&	CCONJ
fsr-3323	388	6	roper	roper	PROPN
fsr-3323	388	7	,	,	PUNCT
fsr-3323	388	8	b.	b.	PROPN
fsr-3323	388	9	(	(	PUNCT
fsr-3323	388	10	2017	2017	NUM
fsr-3323	388	11	)	)	PUNCT
fsr-3323	388	12	.	.	PUNCT
fsr-3323	389	1	financial	financial	ADJ
fsr-3323	389	2	advisor	advisor	NOUN
fsr-3323	389	3	or	or	CCONJ
fsr-3323	389	4	investment	investment	NOUN
fsr-3323	389	5	salesperson	salesperson	PROPN
fsr-3323	389	6	?	?	PUNCT
fsr-3323	390	1	washington	washington	PROPN
fsr-3323	390	2	,	,	PUNCT
fsr-3323	390	3	dc	dc	PROPN
fsr-3323	390	4	:	:	PUNCT
fsr-3323	390	5	consumer	consumer	PROPN
fsr-3323	390	6	federation	federation	PROPN
fsr-3323	390	7	of	of	ADP
fsr-3323	390	8	america	america	PROPN
fsr-3323	390	9	.	.	PUNCT
fsr-3323	391	1	khurana	khurana	PROPN
fsr-3323	391	2	,	,	PUNCT
fsr-3323	391	3	r.	r.	PROPN
fsr-3323	391	4	,	,	PUNCT
fsr-3323	391	5	&	&	CCONJ
fsr-3323	391	6	nohria	nohria	PROPN
fsr-3323	391	7	,	,	PUNCT
fsr-3323	391	8	n.	n.	NOUN
fsr-3323	391	9	(	(	PUNCT
fsr-3323	391	10	2008	2008	NUM
fsr-3323	391	11	)	)	PUNCT
fsr-3323	391	12	.	.	PUNCT
fsr-3323	392	1	it	it	PRON
fsr-3323	392	2	’s	’	VERB
fsr-3323	392	3	time	time	NOUN
fsr-3323	392	4	to	to	PART
fsr-3323	392	5	make	make	VERB
fsr-3323	392	6	management	management	NOUN
fsr-3323	392	7	a	a	DET
fsr-3323	392	8	true	true	ADJ
fsr-3323	392	9	profession	profession	NOUN
fsr-3323	392	10	.	.	PUNCT
fsr-3323	393	1	harvard	harvard	PROPN
fsr-3323	393	2	business	business	PROPN
fsr-3323	393	3	review	review	PROPN
fsr-3323	393	4	,	,	PUNCT
fsr-3323	393	5	86	86	NUM
fsr-3323	393	6	,	,	PUNCT
fsr-3323	393	7	70–77	70–77	NUM
fsr-3323	393	8	.	.	PUNCT
fsr-3323	394	1	khurana	khurana	PROPN
fsr-3323	394	2	,	,	PUNCT
fsr-3323	394	3	r.	r.	PROPN
fsr-3323	394	4	,	,	PUNCT
fsr-3323	394	5	nohria	nohria	PROPN
fsr-3323	394	6	,	,	PUNCT
fsr-3323	394	7	n.	n.	NOUN
fsr-3323	394	8	,	,	PUNCT
fsr-3323	394	9	&	&	CCONJ
fsr-3323	394	10	penrice	penrice	PROPN
fsr-3323	394	11	,	,	PUNCT
fsr-3323	394	12	d.	d.	PROPN
fsr-3323	394	13	(	(	PUNCT
fsr-3323	394	14	2005	2005	NUM
fsr-3323	394	15	)	)	PUNCT
fsr-3323	394	16	.	.	PUNCT
fsr-3323	394	17	is	be	AUX
fsr-3323	394	18	business	business	NOUN
fsr-3323	394	19	management	management	NOUN
fsr-3323	394	20	a	a	DET
fsr-3323	394	21	profession	profession	NOUN
fsr-3323	394	22	?	?	PUNCT
fsr-3323	395	1	harvard	harvard	PROPN
fsr-3323	395	2	business	business	PROPN
fsr-3323	395	3	school	school	NOUN
fsr-3323	395	4	website	website	NOUN
fsr-3323	395	5	.	.	PUNCT
fsr-3323	396	1	(	(	PUNCT
fsr-3323	396	2	available	available	ADJ
fsr-3323	396	3	at	at	ADP
fsr-3323	396	4	hbswk.hbs.udu/item/4650.html	hbswk.hbs.udu/item/4650.html	NOUN
fsr-3323	396	5	)	)	PUNCT
fsr-3323	396	6	kitces	kitce	NOUN
fsr-3323	396	7	,	,	PUNCT
fsr-3323	396	8	m.	m.	NOUN
fsr-3323	396	9	(	(	PUNCT
fsr-3323	396	10	2014b	2014b	NUM
fsr-3323	396	11	)	)	PUNCT
fsr-3323	396	12	.	.	PUNCT
fsr-3323	397	1	the	the	DET
fsr-3323	397	2	rise	rise	NOUN
fsr-3323	397	3	of	of	ADP
fsr-3323	397	4	the	the	DET
fsr-3323	397	5	financial	financial	ADJ
fsr-3323	397	6	planning	planning	NOUN
fsr-3323	397	7	academic	academic	NOUN
fsr-3323	397	8	.	.	PUNCT
fsr-3323	398	1	(	(	PUNCT
fsr-3323	398	2	available	available	ADJ
fsr-3323	398	3	at	at	ADP
fsr-3323	398	4	kitces.com/blog/the-rise-of-thefinancial-planning-academic/	kitces.com/blog/the-rise-of-thefinancial-planning-academic/	PROPN
fsr-3323	398	5	)	)	PUNCT
fsr-3323	398	6	kitces	kitce	NOUN
fsr-3323	398	7	,	,	PUNCT
fsr-3323	398	8	m.	m.	NOUN
fsr-3323	398	9	(	(	PUNCT
fsr-3323	398	10	2015	2015	NUM
fsr-3323	398	11	)	)	PUNCT
fsr-3323	398	12	.	.	PUNCT
fsr-3323	399	1	cfp	cfp	PROPN
fsr-3323	399	2	board	board	PROPN
fsr-3323	399	3	’s	’s	PART
fsr-3323	399	4	reduced	reduce	VERB
fsr-3323	399	5	experience	experience	NOUN
fsr-3323	399	6	requirement	requirement	NOUN
fsr-3323	399	7	quietly	quietly	ADV
fsr-3323	399	8	takes	take	VERB
fsr-3323	399	9	effect	effect	NOUN
fsr-3323	399	10	with	with	ADP
fsr-3323	399	11	fpa	fpa	PROPN
fsr-3323	399	12	and	and	CCONJ
fsr-3323	399	13	napfa	napfa	ADJ
fsr-3323	399	14	silence	silence	NOUN
fsr-3323	399	15	as	as	ADP
fsr-3323	399	16	tacit	tacit	ADJ
fsr-3323	399	17	support	support	NOUN
fsr-3323	399	18	?	?	PUNCT
fsr-3323	400	1	(	(	PUNCT
fsr-3323	400	2	available	available	ADJ
fsr-3323	400	3	at	at	ADP
fsr-3323	400	4	https://www.kitces.com/blog/cfp-boards-reduced-experiencerequirement-quietly-takes-effect-with-fpa-and-napfa-silence-as-tacit-support/	https://www.kitces.com/blog/cfp-boards-reduced-experiencerequirement-quietly-takes-effect-with-fpa-and-napfa-silence-as-tacit-support/	NOUN
fsr-3323	400	5	)	)	PUNCT
fsr-3323	400	6	kitces	kitce	NOUN
fsr-3323	400	7	,	,	PUNCT
fsr-3323	400	8	m.	m.	NOUN
fsr-3323	400	9	(	(	PUNCT
fsr-3323	400	10	2015b	2015b	NUM
fsr-3323	400	11	)	)	PUNCT
fsr-3323	400	12	.	.	PUNCT
fsr-3323	401	1	are	be	AUX
fsr-3323	401	2	the	the	DET
fsr-3323	401	3	licensing	licensing	NOUN
fsr-3323	401	4	and	and	CCONJ
fsr-3323	401	5	other	other	ADJ
fsr-3323	401	6	requirements	requirement	NOUN
fsr-3323	401	7	to	to	PART
fsr-3323	401	8	become	become	VERB
fsr-3323	401	9	a	a	DET
fsr-3323	401	10	financial	financial	ADJ
fsr-3323	401	11	advisor	advisor	NOUN
fsr-3323	401	12	too	too	ADV
fsr-3323	401	13	easy	easy	ADV
fsr-3323	401	14	?	?	PUNCT
fsr-3323	402	1	(	(	PUNCT
fsr-3323	402	2	available	available	ADJ
fsr-3323	402	3	at	at	ADP
fsr-3323	402	4	https://www.kitces.com/blog/are-the-licensing-and-other-requirements-to-become-a-financialadvisor-too-easy/	https://www.kitces.com/blog/are-the-licensing-and-other-requirements-to-become-a-financialadvisor-too-easy/	NOUN
fsr-3323	402	5	)	)	PUNCT
fsr-3323	402	6	mauldin	mauldin	PROPN
fsr-3323	402	7	,	,	PUNCT
fsr-3323	402	8	d.	d.	PROPN
fsr-3323	402	9	,	,	PUNCT
fsr-3323	402	10	wilder	wild	ADJ
fsr-3323	402	11	,	,	PUNCT
fsr-3323	402	12	w.	w.	PROPN
fsr-3323	402	13	,	,	PUNCT
fsr-3323	402	14	&	&	CCONJ
fsr-3323	402	15	stocks	stock	NOUN
fsr-3323	402	16	,	,	PUNCT
fsr-3323	402	17	m.	m.	NOUN
fsr-3323	402	18	(	(	PUNCT
fsr-3323	402	19	2000	2000	NUM
fsr-3323	402	20	)	)	PUNCT
fsr-3323	402	21	.	.	PUNCT
fsr-3323	403	1	does	do	AUX
fsr-3323	403	2	aicpa	aicpa	VERB
fsr-3323	403	3	accreditation	accreditation	NOUN
fsr-3323	403	4	of	of	ADP
fsr-3323	403	5	nonaudit	nonaudit	PROPN
fsr-3323	403	6	services	service	NOUN
fsr-3323	403	7	add	add	VERB
fsr-3323	403	8	value	value	NOUN
fsr-3323	403	9	?	?	PUNCT
fsr-3323	404	1	the	the	DET
fsr-3323	404	2	case	case	NOUN
fsr-3323	404	3	of	of	ADP
fsr-3323	404	4	personal	personal	ADJ
fsr-3323	404	5	financial	financial	ADJ
fsr-3323	404	6	planning	planning	NOUN
fsr-3323	404	7	.	.	PUNCT
fsr-3323	405	1	accounting	accounting	NOUN
fsr-3323	405	2	horizons	horizon	NOUN
fsr-3323	405	3	,	,	PUNCT
fsr-3323	405	4	14	14	NUM
fsr-3323	405	5	,	,	PUNCT
fsr-3323	405	6	49–67	49–67	NUM
fsr-3323	405	7	.	.	PUNCT
fsr-3323	406	1	mccann	mccann	PROPN
fsr-3323	406	2	,	,	PUNCT
fsr-3323	406	3	c.	c.	PROPN
fsr-3323	406	4	,	,	PUNCT
fsr-3323	406	5	qin	qin	PROPN
fsr-3323	406	6	,	,	PUNCT
fsr-3323	406	7	c.	c.	PROPN
fsr-3323	406	8	,	,	PUNCT
fsr-3323	406	9	&	&	CCONJ
fsr-3323	406	10	yan	yan	PROPN
fsr-3323	406	11	,	,	PUNCT
fsr-3323	406	12	m.	m.	NOUN
fsr-3323	406	13	(	(	PUNCT
fsr-3323	406	14	2016	2016	NUM
fsr-3323	406	15	)	)	PUNCT
fsr-3323	406	16	.	.	PUNCT
fsr-3323	407	1	how	how	SCONJ
fsr-3323	407	2	widespread	widespread	ADJ
fsr-3323	407	3	and	and	CCONJ
fsr-3323	407	4	predictable	predictable	ADJ
fsr-3323	407	5	is	be	AUX
fsr-3323	407	6	stock	stock	NOUN
fsr-3323	407	7	broker	broker	NOUN
fsr-3323	407	8	misconduct	misconduct	NOUN
fsr-3323	407	9	?	?	PUNCT
fsr-3323	408	1	(	(	PUNCT
fsr-3323	408	2	available	available	ADJ
fsr-3323	408	3	at	at	ADP
fsr-3323	408	4	securities	security	NOUN
fsr-3323	408	5	litigation	litigation	NOUN
fsr-3323	408	6	and	and	CCONJ
fsr-3323	408	7	consulting	consulting	NOUN
fsr-3323	408	8	group	group	NOUN
fsr-3323	408	9	:	:	PUNCT
fsr-3323	408	10	http://papers.ssrn.com/sol3/papers.cfm?abstract_id�2768942	http://papers.ssrn.com/sol3/papers.cfm?abstract_id�2768942	PROPN
fsr-3323	408	11	)	)	PUNCT
fsr-3323	408	12	moisand	moisand	NOUN
fsr-3323	408	13	,	,	PUNCT
fsr-3323	408	14	d.	d.	PROPN
fsr-3323	408	15	(	(	PUNCT
fsr-3323	408	16	2008	2008	NUM
fsr-3323	408	17	)	)	PUNCT
fsr-3323	408	18	.	.	PUNCT
fsr-3323	409	1	the	the	DET
fsr-3323	409	2	financial	financial	PROPN
fsr-3323	409	3	planning	planning	PROPN
fsr-3323	409	4	act	act	NOUN
fsr-3323	409	5	of	of	ADP
fsr-3323	409	6	2008	2008	NUM
fsr-3323	409	7	.	.	PUNCT
fsr-3323	410	1	journal	journal	NOUN
fsr-3323	410	2	of	of	ADP
fsr-3323	410	3	financial	financial	ADJ
fsr-3323	410	4	planning	planning	NOUN
fsr-3323	410	5	,	,	PUNCT
fsr-3323	410	6	21	21	NUM
fsr-3323	410	7	,	,	PUNCT
fsr-3323	410	8	78–90	78–90	NUM
fsr-3323	410	9	.	.	PUNCT
fsr-3323	411	1	moisand	moisand	PROPN
fsr-3323	411	2	,	,	PUNCT
fsr-3323	411	3	d.	d.	PROPN
fsr-3323	411	4	(	(	PUNCT
fsr-3323	411	5	2012	2012	NUM
fsr-3323	411	6	)	)	PUNCT
fsr-3323	411	7	.	.	PUNCT
fsr-3323	412	1	so	so	ADV
fsr-3323	412	2	close	close	ADV
fsr-3323	412	3	and	and	CCONJ
fsr-3323	412	4	yet	yet	ADV
fsr-3323	412	5	so	so	ADV
fsr-3323	412	6	far	far	ADV
fsr-3323	412	7	.	.	PUNCT
fsr-3323	413	1	journal	journal	NOUN
fsr-3323	413	2	of	of	ADP
fsr-3323	413	3	financial	financial	ADJ
fsr-3323	413	4	planning	planning	NOUN
fsr-3323	413	5	,	,	PUNCT
fsr-3323	413	6	25	25	NUM
fsr-3323	413	7	,	,	PUNCT
fsr-3323	413	8	26–27	26–27	PROPN
fsr-3323	413	9	.	.	PROPN
fsr-3323	413	10	piaba	piaba	PROPN
fsr-3323	413	11	foundation	foundation	PROPN
fsr-3323	413	12	.	.	PUNCT
fsr-3323	414	1	(	(	PUNCT
fsr-3323	414	2	2015	2015	NUM
fsr-3323	414	3	)	)	PUNCT
fsr-3323	414	4	.	.	PUNCT
fsr-3323	415	1	piaba	piaba	PROPN
fsr-3323	415	2	brokercheck	brokercheck	PROPN
fsr-3323	415	3	letter	letter	NOUN
fsr-3323	415	4	to	to	ADP
fsr-3323	415	5	sec	sec	PROPN
fsr-3323	415	6	re	re	AUX
fsr-3323	415	7	file	file	VERB
fsr-3323	415	8	265–28	265–28	PROPN
fsr-3323	415	9	.	.	PUNCT
fsr-3323	416	1	(	(	PUNCT
fsr-3323	416	2	available	available	ADJ
fsr-3323	416	3	at	at	ADP
fsr-3323	416	4	https://www	https://www	PROPN
fsr-3323	416	5	.	.	PUNCT
fsr-3323	417	1	sec.gov/comments/265-28/26528-98.pdf	sec.gov/comments/265-28/26528-98.pdf	PROPN
fsr-3323	417	2	)	)	PUNCT
fsr-3323	417	3	ragatz	ragatz	NOUN
fsr-3323	417	4	,	,	PUNCT
fsr-3323	417	5	j.	j.	PROPN
fsr-3323	417	6	,	,	PUNCT
fsr-3323	417	7	&	&	CCONJ
fsr-3323	417	8	duska	duska	PROPN
fsr-3323	417	9	,	,	PUNCT
fsr-3323	417	10	r.	r.	PROPN
fsr-3323	417	11	(	(	PUNCT
fsr-3323	417	12	2010	2010	NUM
fsr-3323	417	13	)	)	PUNCT
fsr-3323	417	14	.	.	PUNCT
fsr-3323	418	1	financial	financial	ADJ
fsr-3323	418	2	codes	code	NOUN
fsr-3323	418	3	of	of	ADP
fsr-3323	418	4	ethics	ethic	NOUN
fsr-3323	418	5	.	.	PUNCT
fsr-3323	419	1	in	in	ADP
fsr-3323	419	2	j.	j.	PROPN
fsr-3323	419	3	boatright	boatright	PROPN
fsr-3323	419	4	(	(	PUNCT
fsr-3323	419	5	ed	ed	NOUN
fsr-3323	419	6	.	.	PUNCT
fsr-3323	419	7	)	)	PUNCT
fsr-3323	419	8	,	,	PUNCT
fsr-3323	419	9	finance	finance	NOUN
fsr-3323	419	10	ethics	ethic	NOUN
fsr-3323	419	11	:	:	PUNCT
fsr-3323	419	12	critical	critical	ADJ
fsr-3323	419	13	issues	issue	NOUN
fsr-3323	419	14	in	in	ADP
fsr-3323	419	15	theory	theory	NOUN
fsr-3323	419	16	and	and	CCONJ
fsr-3323	419	17	practice	practice	NOUN
fsr-3323	419	18	.	.	PUNCT
fsr-3323	420	1	new	new	PROPN
fsr-3323	420	2	york	york	PROPN
fsr-3323	420	3	,	,	PUNCT
fsr-3323	420	4	ny	ny	PROPN
fsr-3323	420	5	:	:	PUNCT
fsr-3323	420	6	j.	j.	PROPN
fsr-3323	420	7	wiley	wiley	PROPN
fsr-3323	420	8	and	and	CCONJ
fsr-3323	420	9	sons	son	NOUN
fsr-3323	420	10	.	.	PUNCT
fsr-3323	421	1	raymond	raymond	PROPN
fsr-3323	421	2	james	james	PROPN
fsr-3323	421	3	mission	mission	PROPN
fsr-3323	421	4	statement	statement	NOUN
fsr-3323	421	5	.	.	PUNCT
fsr-3323	422	1	(	(	PUNCT
fsr-3323	422	2	2016	2016	NUM
fsr-3323	422	3	)	)	PUNCT
fsr-3323	422	4	.	.	PUNCT
fsr-3323	423	1	mission	mission	NOUN
fsr-3323	423	2	statement	statement	NOUN
fsr-3323	423	3	.	.	PUNCT
fsr-3323	424	1	(	(	PUNCT
fsr-3323	424	2	available	available	ADJ
fsr-3323	424	3	at	at	ADP
fsr-3323	424	4	http://www.raymondjames.com/	http://www.raymondjames.com/	NOUN
fsr-3323	424	5	about	about	ADP
fsr-3323	424	6	/	/	SYM
fsr-3323	424	7	mission.htm	mission.htm	PROPN
fsr-3323	424	8	)	)	PUNCT
fsr-3323	424	9	ritholtz	ritholtz	PROPN
fsr-3323	424	10	,	,	PUNCT
fsr-3323	424	11	b.	b.	PROPN
fsr-3323	424	12	(	(	PUNCT
fsr-3323	424	13	2016	2016	NUM
fsr-3323	424	14	)	)	PUNCT
fsr-3323	424	15	.	.	PUNCT
fsr-3323	425	1	brokers	broker	NOUN
fsr-3323	425	2	behaving	behave	VERB
fsr-3323	425	3	badly	badly	ADV
fsr-3323	425	4	.	.	PUNCT
fsr-3323	426	1	(	(	PUNCT
fsr-3323	426	2	available	available	ADJ
fsr-3323	426	3	at	at	ADP
fsr-3323	426	4	https://www.bloomberg.com/view/articles/2016-0302/broker-misconduct-is-worse-than-we-thought	https://www.bloomberg.com/view/articles/2016-0302/broker-misconduct-is-worse-than-we-thought	PROPN
fsr-3323	426	5	)	)	PUNCT
fsr-3323	426	6	schaefer	schaefer	NOUN
fsr-3323	426	7	,	,	PUNCT
fsr-3323	426	8	t.	t.	PROPN
fsr-3323	426	9	(	(	PUNCT
fsr-3323	426	10	1984	1984	NUM
fsr-3323	426	11	)	)	PUNCT
fsr-3323	426	12	.	.	PUNCT
fsr-3323	427	1	professionalism	professionalism	NOUN
fsr-3323	427	2	:	:	PUNCT
fsr-3323	427	3	foundation	foundation	NOUN
fsr-3323	427	4	for	for	ADP
fsr-3323	427	5	business	business	NOUN
fsr-3323	427	6	ethics	ethic	NOUN
fsr-3323	427	7	.	.	PUNCT
fsr-3323	428	1	journal	journal	PROPN
fsr-3323	428	2	of	of	ADP
fsr-3323	428	3	business	business	NOUN
fsr-3323	428	4	ethics	ethic	NOUN
fsr-3323	428	5	,	,	PUNCT
fsr-3323	428	6	3	3	NUM
fsr-3323	428	7	,	,	PUNCT
fsr-3323	428	8	269	269	NUM
fsr-3323	428	9	.	.	PUNCT
fsr-3323	429	1	smith	smith	PROPN
fsr-3323	429	2	,	,	PUNCT
fsr-3323	429	3	r.	r.	PROPN
fsr-3323	429	4	,	,	PUNCT
fsr-3323	429	5	vibhakar	vibhakar	PROPN
fsr-3323	429	6	,	,	PUNCT
fsr-3323	429	7	a.	a.	PROPN
fsr-3323	429	8	,	,	PUNCT
fsr-3323	429	9	&	&	CCONJ
fsr-3323	429	10	terry	terry	PROPN
fsr-3323	429	11	,	,	PUNCT
fsr-3323	429	12	a.	a.	NOUN
fsr-3323	429	13	(	(	PUNCT
fsr-3323	429	14	2008	2008	NUM
fsr-3323	429	15	)	)	PUNCT
fsr-3323	429	16	.	.	PUNCT
fsr-3323	430	1	demarcating	demarcate	VERB
fsr-3323	430	2	designations	designation	NOUN
fsr-3323	430	3	:	:	PUNCT
fsr-3323	430	4	chartered	charter	VERB
fsr-3323	430	5	financial	financial	ADJ
fsr-3323	430	6	analyst	analyst	NOUN
fsr-3323	430	7	and	and	CCONJ
fsr-3323	430	8	certified	certify	VERB
fsr-3323	430	9	financial	financial	ADJ
fsr-3323	430	10	planner	planner	NOUN
fsr-3323	430	11	.	.	PUNCT
fsr-3323	431	1	journal	journal	PROPN
fsr-3323	431	2	of	of	ADP
fsr-3323	431	3	financial	financial	ADJ
fsr-3323	431	4	services	service	NOUN
fsr-3323	431	5	marketing	marketing	NOUN
fsr-3323	431	6	,	,	PUNCT
fsr-3323	431	7	12	12	NUM
fsr-3323	431	8	,	,	PUNCT
fsr-3323	431	9	299–310	299–310	NUM
fsr-3323	431	10	.	.	PUNCT
fsr-3323	432	1	spence	spence	PROPN
fsr-3323	432	2	,	,	PUNCT
fsr-3323	432	3	m.	m.	NOUN
fsr-3323	432	4	(	(	PUNCT
fsr-3323	432	5	1973	1973	NUM
fsr-3323	432	6	)	)	PUNCT
fsr-3323	432	7	.	.	PUNCT
fsr-3323	433	1	job	job	NOUN
fsr-3323	433	2	market	market	NOUN
fsr-3323	433	3	signaling	signal	VERB
fsr-3323	433	4	.	.	PUNCT
fsr-3323	434	1	the	the	DET
fsr-3323	434	2	quarterly	quarterly	ADJ
fsr-3323	434	3	journal	journal	NOUN
fsr-3323	434	4	of	of	ADP
fsr-3323	434	5	economics	economic	NOUN
fsr-3323	434	6	,	,	PUNCT
fsr-3323	434	7	87	87	NUM
fsr-3323	434	8	,	,	PUNCT
fsr-3323	434	9	355–374	355–374	NUM
fsr-3323	434	10	.	.	PUNCT
fsr-3323	435	1	spence	spence	NOUN
fsr-3323	435	2	,	,	PUNCT
fsr-3323	435	3	m.	m.	NOUN
fsr-3323	435	4	(	(	PUNCT
fsr-3323	435	5	2002	2002	NUM
fsr-3323	435	6	)	)	PUNCT
fsr-3323	435	7	.	.	PUNCT
fsr-3323	436	1	signaling	signal	VERB
fsr-3323	436	2	in	in	ADP
fsr-3323	436	3	retrospect	retrospect	NOUN
fsr-3323	436	4	and	and	CCONJ
fsr-3323	436	5	the	the	DET
fsr-3323	436	6	informational	informational	ADJ
fsr-3323	436	7	structure	structure	NOUN
fsr-3323	436	8	of	of	ADP
fsr-3323	436	9	markets	market	NOUN
fsr-3323	436	10	.	.	PUNCT
fsr-3323	437	1	the	the	DET
fsr-3323	437	2	american	american	PROPN
fsr-3323	437	3	economic	economic	PROPN
fsr-3323	437	4	review	review	PROPN
fsr-3323	437	5	,	,	PUNCT
fsr-3323	437	6	92	92	NUM
fsr-3323	437	7	,	,	PUNCT
fsr-3323	437	8	434–459	434–459	NUM
fsr-3323	437	9	.	.	PUNCT
fsr-3323	438	1	terry	terry	PROPN
fsr-3323	438	2	,	,	PUNCT
fsr-3323	438	3	a.	a.	PROPN
fsr-3323	438	4	,	,	PUNCT
fsr-3323	438	5	&	&	CCONJ
fsr-3323	438	6	vibhakar	vibhakar	PROPN
fsr-3323	438	7	,	,	PUNCT
fsr-3323	438	8	a.	a.	NOUN
fsr-3323	438	9	(	(	PUNCT
fsr-3323	438	10	2011	2011	NUM
fsr-3323	438	11	)	)	PUNCT
fsr-3323	438	12	.	.	PUNCT
fsr-3323	439	1	a	a	DET
fsr-3323	439	2	comparative	comparative	ADJ
fsr-3323	439	3	analysis	analysis	NOUN
fsr-3323	439	4	of	of	ADP
fsr-3323	439	5	the	the	DET
fsr-3323	439	6	cfa	cfa	PROPN
fsr-3323	439	7	and	and	CCONJ
fsr-3323	439	8	cfp	cfp	PROPN
fsr-3323	439	9	designations	designation	NOUN
fsr-3323	439	10	.	.	PUNCT
fsr-3323	440	1	financial	financial	ADJ
fsr-3323	440	2	services	service	NOUN
fsr-3323	440	3	review	review	NOUN
fsr-3323	440	4	,	,	PUNCT
fsr-3323	440	5	fall	fall	VERB
fsr-3323	440	6	,	,	PUNCT
fsr-3323	440	7	66–81	66–81	NUM
fsr-3323	440	8	.	.	PUNCT
fsr-3323	441	1	289j.m	289j.m	X
fsr-3323	441	2	.	.	PUNCT
fsr-3323	442	1	camarda	camarda	VERB
fsr-3323	442	2	/	/	SYM
fsr-3323	442	3	financial	financial	ADJ
fsr-3323	442	4	services	service	NOUN
fsr-3323	442	5	review	review	VERB
fsr-3323	442	6	26	26	NUM
fsr-3323	442	7	(	(	PUNCT
fsr-3323	442	8	2017	2017	NUM
fsr-3323	442	9	)	)	PUNCT
fsr-3323	442	10	271–290	271–290	NUM
fsr-3323	442	11	the	the	DET
fsr-3323	442	12	american	american	PROPN
fsr-3323	442	13	college	college	PROPN
fsr-3323	442	14	.	.	PUNCT
fsr-3323	443	1	(	(	PUNCT
fsr-3323	443	2	2016b	2016b	NUM
fsr-3323	443	3	)	)	PUNCT
fsr-3323	443	4	.	.	PUNCT
fsr-3323	444	1	chfc	chfc	NOUN
fsr-3323	444	2	:	:	PUNCT
fsr-3323	444	3	chartered	chartered	ADJ
fsr-3323	444	4	financial	financial	ADJ
fsr-3323	444	5	consultant	consultant	NOUN
fsr-3323	444	6	.	.	PUNCT
fsr-3323	445	1	(	(	PUNCT
fsr-3323	445	2	available	available	ADJ
fsr-3323	445	3	at	at	ADP
fsr-3323	445	4	https://www.theameri	https://www.theameri	PROPN
fsr-3323	445	5	cancollege.edu/designations-degrees/chfc	cancollege.edu/designations-degrees/chfc	PROPN
fsr-3323	445	6	)	)	PUNCT
fsr-3323	445	7	the	the	DET
fsr-3323	445	8	american	american	PROPN
fsr-3323	445	9	college	college	PROPN
fsr-3323	445	10	.	.	PUNCT
fsr-3323	446	1	(	(	PUNCT
fsr-3323	446	2	2016a	2016a	NUM
fsr-3323	446	3	)	)	PUNCT
fsr-3323	446	4	.	.	PUNCT
fsr-3323	447	1	chfc	chfc	NOUN
fsr-3323	447	2	:	:	PUNCT
fsr-3323	447	3	the	the	DET
fsr-3323	447	4	highest	high	ADJ
fsr-3323	447	5	standard	standard	NOUN
fsr-3323	447	6	.	.	PUNCT
fsr-3323	448	1	(	(	PUNCT
fsr-3323	448	2	available	available	ADJ
fsr-3323	448	3	at	at	ADP
fsr-3323	448	4	http://www.chfchigheststandard	http://www.chfchigheststandard	PROPN
fsr-3323	448	5	.	.	PUNCT
fsr-3323	449	1	com/	com/	PROPN
fsr-3323	449	2	)	)	PUNCT
fsr-3323	449	3	the	the	DET
fsr-3323	449	4	american	american	PROPN
fsr-3323	449	5	college	college	PROPN
fsr-3323	449	6	.	.	PUNCT
fsr-3323	450	1	(	(	PUNCT
fsr-3323	450	2	2016c	2016c	NUM
fsr-3323	450	3	)	)	PUNCT
fsr-3323	450	4	.	.	PUNCT
fsr-3323	451	1	code	code	NOUN
fsr-3323	451	2	of	of	ADP
fsr-3323	451	3	ethics	ethic	NOUN
fsr-3323	451	4	.	.	PUNCT
fsr-3323	452	1	(	(	PUNCT
fsr-3323	452	2	available	available	ADJ
fsr-3323	452	3	at	at	ADP
fsr-3323	452	4	https://www.theamericancollege.edu/about-thecollege/community-responsibility/code-of-ethics	https://www.theamericancollege.edu/about-thecollege/community-responsibility/code-of-ethic	NOUN
fsr-3323	452	5	)	)	PUNCT
fsr-3323	452	6	the	the	DET
fsr-3323	452	7	white	white	PROPN
fsr-3323	452	8	house	house	PROPN
fsr-3323	452	9	.	.	PUNCT
fsr-3323	453	1	(	(	PUNCT
fsr-3323	453	2	2016	2016	NUM
fsr-3323	453	3	)	)	PUNCT
fsr-3323	453	4	.	.	PUNCT
fsr-3323	454	1	the	the	DET
fsr-3323	454	2	effects	effect	NOUN
fsr-3323	454	3	of	of	ADP
fsr-3323	454	4	conflicted	conflicted	ADJ
fsr-3323	454	5	investment	investment	NOUN
fsr-3323	454	6	advice	advice	NOUN
fsr-3323	454	7	on	on	ADP
fsr-3323	454	8	retirement	retirement	NOUN
fsr-3323	454	9	savings	saving	NOUN
fsr-3323	454	10	.	.	PUNCT
fsr-3323	455	1	washington	washington	PROPN
fsr-3323	455	2	,	,	PUNCT
fsr-3323	455	3	dc	dc	PROPN
fsr-3323	455	4	:	:	PUNCT
fsr-3323	455	5	government	government	NOUN
fsr-3323	455	6	printing	printing	NOUN
fsr-3323	455	7	office	office	NOUN
fsr-3323	455	8	.	.	PUNCT
fsr-3323	456	1	vystar	vystar	NOUN
fsr-3323	456	2	ad	ad	NOUN
fsr-3323	456	3	.	.	PUNCT
fsr-3323	457	1	(	(	PUNCT
fsr-3323	457	2	2016	2016	NUM
fsr-3323	457	3	)	)	PUNCT
fsr-3323	457	4	.	.	PUNCT
fsr-3323	458	1	florida	florida	PROPN
fsr-3323	458	2	times	times	PROPN
fsr-3323	458	3	-	-	PUNCT
fsr-3323	458	4	union	union	PROPN
fsr-3323	458	5	,	,	PUNCT
fsr-3323	458	6	b-8	b-8	PROPN
fsr-3323	458	7	.	.	PUNCT
fsr-3323	458	8	(	(	PUNCT
fsr-3323	458	9	http://jacksonville.com/news/metro/2017-08-09/morris-publishingsells-florida-times-union-gatehouse-media	http://jacksonville.com/news/metro/2017-08-09/morris-publishingsells-florida-times-union-gatehouse-media	PROPN
fsr-3323	458	10	)	)	PUNCT
fsr-3323	458	11	warschauer	warschauer	NOUN
fsr-3323	458	12	,	,	PUNCT
fsr-3323	458	13	t.	t.	PROPN
fsr-3323	458	14	(	(	PUNCT
fsr-3323	458	15	2002	2002	NUM
fsr-3323	458	16	)	)	PUNCT
fsr-3323	458	17	.	.	PUNCT
fsr-3323	459	1	the	the	DET
fsr-3323	459	2	role	role	NOUN
fsr-3323	459	3	of	of	ADP
fsr-3323	459	4	universities	university	NOUN
fsr-3323	459	5	in	in	ADP
fsr-3323	459	6	the	the	DET
fsr-3323	459	7	development	development	NOUN
fsr-3323	459	8	of	of	ADP
fsr-3323	459	9	the	the	DET
fsr-3323	459	10	personal	personal	ADJ
fsr-3323	459	11	financial	financial	ADJ
fsr-3323	459	12	planning	planning	NOUN
fsr-3323	459	13	profession	profession	NOUN
fsr-3323	459	14	.	.	PUNCT
fsr-3323	460	1	financial	financial	ADJ
fsr-3323	460	2	services	service	NOUN
fsr-3323	460	3	review	review	NOUN
fsr-3323	460	4	,	,	PUNCT
fsr-3323	460	5	11	11	NUM
fsr-3323	460	6	,	,	PUNCT
fsr-3323	460	7	201–216	201–216	NUM
fsr-3323	460	8	.	.	PUNCT
fsr-3323	460	9	woolley	woolley	PROPN
fsr-3323	460	10	,	,	PUNCT
fsr-3323	460	11	s.	s.	PROPN
fsr-3323	460	12	(	(	PUNCT
fsr-3323	460	13	2016	2016	NUM
fsr-3323	460	14	)	)	PUNCT
fsr-3323	460	15	.	.	PUNCT
fsr-3323	461	1	it	it	PRON
fsr-3323	461	2	just	just	ADV
fsr-3323	461	3	got	get	VERB
fsr-3323	461	4	harder	hard	ADJ
fsr-3323	461	5	to	to	PART
fsr-3323	461	6	trust	trust	VERB
fsr-3323	461	7	financial	financial	ADJ
fsr-3323	461	8	advisors	advisor	NOUN
fsr-3323	461	9	.	.	PUNCT
fsr-3323	462	1	(	(	PUNCT
fsr-3323	462	2	available	available	ADJ
fsr-3323	462	3	at	at	ADP
fsr-3323	462	4	https://www.bloomberg.com/	https://www.bloomberg.com/	NOUN
fsr-3323	462	5	news	news	PROPN
fsr-3323	462	6	/	/	SYM
fsr-3323	462	7	articles/2016	articles/2016	PROPN
fsr-3323	462	8	-	-	PUNCT
fsr-3323	462	9	03	03	NUM
fsr-3323	462	10	-	-	PUNCT
fsr-3323	462	11	01	01	NUM
fsr-3323	462	12	/	/	SYM
fsr-3323	462	13	it	it	PRON
fsr-3323	462	14	-	-	PUNCT
fsr-3323	462	15	just	just	ADV
fsr-3323	462	16	-	-	PUNCT
fsr-3323	462	17	got	get	VERB
fsr-3323	462	18	-	-	PUNCT
fsr-3323	462	19	even	even	ADV
fsr-3323	462	20	-	-	PUNCT
fsr-3323	462	21	harder	hard	ADJ
fsr-3323	462	22	-	-	PUNCT
fsr-3323	462	23	to	to	ADP
fsr-3323	462	24	-	-	PUNCT
fsr-3323	462	25	trust	trust	NOUN
fsr-3323	462	26	-	-	PUNCT
fsr-3323	462	27	financial	financial	ADJ
fsr-3323	462	28	-	-	PUNCT
fsr-3323	462	29	advisers	adviser	NOUN
fsr-3323	462	30	)	)	PUNCT
fsr-3323	462	31	zingales	zingale	NOUN
fsr-3323	462	32	,	,	PUNCT
fsr-3323	462	33	l.	l.	PROPN
fsr-3323	462	34	(	(	PUNCT
fsr-3323	462	35	2015	2015	NUM
fsr-3323	462	36	)	)	PUNCT
fsr-3323	462	37	.	.	PUNCT
fsr-3323	463	1	does	do	VERB
fsr-3323	463	2	finance	finance	NOUN
fsr-3323	463	3	benefit	benefit	NOUN
fsr-3323	463	4	society	society	NOUN
fsr-3323	463	5	?	?	PUNCT
fsr-3323	464	1	the	the	DET
fsr-3323	464	2	journal	journal	NOUN
fsr-3323	464	3	of	of	ADP
fsr-3323	464	4	finance	finance	NOUN
fsr-3323	464	5	,	,	PUNCT
fsr-3323	464	6	70	70	NUM
fsr-3323	464	7	,	,	PUNCT
fsr-3323	464	8	1327–1363	1327–1363	NUM
fsr-3323	464	9	.	.	PUNCT
fsr-3323	465	1	290	290	NUM
fsr-3323	465	2	j.m	j.m	PROPN
fsr-3323	465	3	.	.	PROPN
fsr-3323	465	4	camarda	camarda	PROPN
fsr-3323	465	5	/	/	SYM
fsr-3323	465	6	financial	financial	ADJ
fsr-3323	465	7	services	service	NOUN
fsr-3323	465	8	review	review	VERB
fsr-3323	465	9	26	26	NUM
fsr-3323	465	10	(	(	PUNCT
fsr-3323	465	11	2017	2017	NUM
fsr-3323	465	12	)	)	PUNCT
fsr-3323	465	13	271–290	271–290	NUM