id	sid	tid	token	lemma	pos
fsr-3324	1	1	does	do	AUX
fsr-3324	1	2	the	the	DET
fsr-3324	1	3	source	source	NOUN
fsr-3324	1	4	of	of	ADP
fsr-3324	1	5	a	a	DET
fsr-3324	1	6	cash	cash	NOUN
fsr-3324	1	7	flow	flow	NOUN
fsr-3324	1	8	affect	affect	VERB
fsr-3324	1	9	spending	spending	NOUN
fsr-3324	1	10	versus	versus	ADP
fsr-3324	1	11	saving	save	VERB
fsr-3324	1	12	?	?	PUNCT
fsr-3324	2	1	valrie	valrie	PROPN
fsr-3324	2	2	chambersa	chambersa	PROPN
fsr-3324	2	3	,	,	PUNCT
fsr-3324	2	4	*	*	PROPN
fsr-3324	2	5	,	,	PUNCT
fsr-3324	2	6	eugene	eugene	NOUN
fsr-3324	2	7	blandb	blandb	NOUN
fsr-3324	2	8	,	,	PUNCT
fsr-3324	2	9	marilyn	marilyn	PROPN
fsr-3324	2	10	spencerc	spencerc	PROPN
fsr-3324	2	11	astetson	astetson	PROPN
fsr-3324	2	12	university	university	PROPN
fsr-3324	2	13	,	,	PUNCT
fsr-3324	2	14	421	421	NUM
fsr-3324	2	15	n.	n.	PROPN
fsr-3324	2	16	woodland	woodland	NOUN
fsr-3324	2	17	blvd	blvd	PROPN
fsr-3324	2	18	.	.	PUNCT
fsr-3324	2	19	,	,	PUNCT
fsr-3324	2	20	deland	deland	PROPN
fsr-3324	2	21	,	,	PUNCT
fsr-3324	2	22	fl	fl	PROPN
fsr-3324	2	23	32723	32723	NUM
fsr-3324	2	24	,	,	PUNCT
fsr-3324	2	25	usa	usa	PROPN
fsr-3324	2	26	btexas	btexas	PROPN
fsr-3324	2	27	a&m	a&m	PROPN
fsr-3324	2	28	university	university	PROPN
fsr-3324	2	29	–	–	PUNCT
fsr-3324	2	30	corpus	corpus	NOUN
fsr-3324	2	31	christi	christi	PROPN
fsr-3324	2	32	,	,	PUNCT
fsr-3324	2	33	6300	6300	NUM
fsr-3324	2	34	ocean	ocean	NOUN
fsr-3324	2	35	drive	drive	NOUN
fsr-3324	2	36	,	,	PUNCT
fsr-3324	2	37	corpus	corpus	PROPN
fsr-3324	2	38	christi	christi	PROPN
fsr-3324	2	39	,	,	PUNCT
fsr-3324	2	40	tx	tx	PROPN
fsr-3324	2	41	78412	78412	NUM
fsr-3324	2	42	-	-	SYM
fsr-3324	2	43	5808	5808	NUM
fsr-3324	2	44	,	,	PUNCT
fsr-3324	2	45	usa	usa	PROPN
fsr-3324	2	46	ctexas	ctexas	PROPN
fsr-3324	2	47	a&m	a&m	PROPN
fsr-3324	2	48	university	university	PROPN
fsr-3324	2	49	–	–	PUNCT
fsr-3324	2	50	corpus	corpus	NOUN
fsr-3324	2	51	christi	christi	PROPN
fsr-3324	2	52	,	,	PUNCT
fsr-3324	2	53	6300	6300	NUM
fsr-3324	2	54	ocean	ocean	NOUN
fsr-3324	2	55	drive	drive	NOUN
fsr-3324	2	56	,	,	PUNCT
fsr-3324	2	57	corpus	corpus	PROPN
fsr-3324	2	58	christi	christi	PROPN
fsr-3324	2	59	,	,	PUNCT
fsr-3324	2	60	tx	tx	PROPN
fsr-3324	2	61	78412	78412	NUM
fsr-3324	2	62	-	-	SYM
fsr-3324	2	63	5808	5808	NUM
fsr-3324	2	64	,	,	PUNCT
fsr-3324	2	65	usa	usa	PROPN
fsr-3324	2	66	abstract	abstract	PROPN
fsr-3324	2	67	this	this	DET
fsr-3324	2	68	study	study	NOUN
fsr-3324	2	69	examines	examine	VERB
fsr-3324	2	70	whether	whether	SCONJ
fsr-3324	2	71	people	people	NOUN
fsr-3324	2	72	use	use	VERB
fsr-3324	2	73	different	different	ADJ
fsr-3324	2	74	mental	mental	ADJ
fsr-3324	2	75	accounts	account	NOUN
fsr-3324	2	76	for	for	ADP
fsr-3324	2	77	different	different	ADJ
fsr-3324	2	78	types	type	NOUN
fsr-3324	2	79	of	of	ADP
fsr-3324	2	80	hypothetical	hypothetical	ADJ
fsr-3324	2	81	revenue	revenue	NOUN
fsr-3324	2	82	windfalls	windfall	NOUN
fsr-3324	2	83	rather	rather	ADV
fsr-3324	2	84	than	than	ADP
fsr-3324	2	85	viewing	view	VERB
fsr-3324	2	86	them	they	PRON
fsr-3324	2	87	as	as	ADV
fsr-3324	2	88	fungible	fungible	ADJ
fsr-3324	2	89	in	in	ADP
fsr-3324	2	90	their	their	PRON
fsr-3324	2	91	use	use	NOUN
fsr-3324	2	92	consistent	consistent	ADJ
fsr-3324	2	93	with	with	ADP
fsr-3324	2	94	neoclassical	neoclassical	ADJ
fsr-3324	2	95	economics	economic	NOUN
fsr-3324	2	96	.	.	PUNCT
fsr-3324	3	1	this	this	DET
fsr-3324	3	2	study	study	NOUN
fsr-3324	3	3	finds	find	VERB
fsr-3324	3	4	that	that	SCONJ
fsr-3324	3	5	the	the	DET
fsr-3324	3	6	income	income	NOUN
fsr-3324	3	7	source	source	NOUN
fsr-3324	3	8	sometimes	sometimes	ADV
fsr-3324	3	9	influenced	influence	VERB
fsr-3324	3	10	the	the	DET
fsr-3324	3	11	amount	amount	NOUN
fsr-3324	3	12	spent	spend	VERB
fsr-3324	3	13	/	/	PUNCT
fsr-3324	3	14	saved	save	VERB
fsr-3324	3	15	and	and	CCONJ
fsr-3324	3	16	a	a	DET
fsr-3324	3	17	respondent	respondent	NOUN
fsr-3324	3	18	’s	’s	PART
fsr-3324	3	19	general	general	ADJ
fsr-3324	3	20	default	default	NOUN
fsr-3324	3	21	as	as	ADP
fsr-3324	3	22	a	a	DET
fsr-3324	3	23	spender	spender	NOUN
fsr-3324	3	24	or	or	CCONJ
fsr-3324	3	25	saver	saver	NOUN
fsr-3324	3	26	was	be	AUX
fsr-3324	3	27	highly	highly	ADV
fsr-3324	3	28	significant	significant	ADJ
fsr-3324	3	29	in	in	ADP
fsr-3324	3	30	all	all	DET
fsr-3324	3	31	regressions	regression	NOUN
fsr-3324	3	32	.	.	PUNCT
fsr-3324	4	1	this	this	DET
fsr-3324	4	2	article	article	NOUN
fsr-3324	4	3	adds	add	VERB
fsr-3324	4	4	to	to	ADP
fsr-3324	4	5	the	the	DET
fsr-3324	4	6	literature	literature	NOUN
fsr-3324	4	7	by	by	ADP
fsr-3324	4	8	responding	respond	VERB
fsr-3324	4	9	to	to	ADP
fsr-3324	4	10	epley	epley	PROPN
fsr-3324	4	11	and	and	CCONJ
fsr-3324	4	12	gneezy	gneezy	PROPN
fsr-3324	4	13	’s	’s	PART
fsr-3324	4	14	(	(	PUNCT
fsr-3324	4	15	2007	2007	NUM
fsr-3324	4	16	)	)	PUNCT
fsr-3324	4	17	call	call	NOUN
fsr-3324	4	18	for	for	ADP
fsr-3324	4	19	“	"	PUNCT
fsr-3324	4	20	a	a	DET
fsr-3324	4	21	broader	broad	ADJ
fsr-3324	4	22	sample	sample	NOUN
fsr-3324	4	23	of	of	ADP
fsr-3324	4	24	participants	participant	NOUN
fsr-3324	4	25	,	,	PUNCT
fsr-3324	4	26	varying	vary	VERB
fsr-3324	4	27	amounts	amount	NOUN
fsr-3324	4	28	of	of	ADP
fsr-3324	4	29	payment	payment	NOUN
fsr-3324	4	30	,	,	PUNCT
fsr-3324	4	31	and	and	CCONJ
fsr-3324	4	32	alternative	alternative	ADJ
fsr-3324	4	33	frames	frame	NOUN
fsr-3324	4	34	”	"	PUNCT
fsr-3324	4	35	to	to	PART
fsr-3324	4	36	identify	identify	VERB
fsr-3324	4	37	moderators	moderator	NOUN
fsr-3324	4	38	of	of	ADP
fsr-3324	4	39	windfall	windfall	NOUN
fsr-3324	4	40	framing	frame	VERB
fsr-3324	4	41	effects	effect	NOUN
fsr-3324	4	42	with	with	ADP
fsr-3324	4	43	implications	implication	NOUN
fsr-3324	4	44	for	for	ADP
fsr-3324	4	45	behavioral	behavioral	ADJ
fsr-3324	4	46	economic	economic	ADJ
fsr-3324	4	47	theory	theory	NOUN
fsr-3324	4	48	and	and	CCONJ
fsr-3324	4	49	financial	financial	ADJ
fsr-3324	4	50	planning	planning	NOUN
fsr-3324	4	51	.	.	PUNCT
fsr-3324	5	1	©	©	PROPN
fsr-3324	5	2	2017	2017	NUM
fsr-3324	5	3	academy	academy	NOUN
fsr-3324	5	4	of	of	ADP
fsr-3324	5	5	financial	financial	ADJ
fsr-3324	5	6	services	service	NOUN
fsr-3324	5	7	.	.	PUNCT
fsr-3324	6	1	all	all	DET
fsr-3324	6	2	rights	right	NOUN
fsr-3324	6	3	reserved	reserve	VERB
fsr-3324	6	4	.	.	PUNCT
fsr-3324	7	1	jel	jel	PROPN
fsr-3324	7	2	classification	classification	NOUN
fsr-3324	7	3	:	:	PUNCT
fsr-3324	7	4	d140	d140	PROPN
fsr-3324	7	5	keywords	keyword	NOUN
fsr-3324	7	6	:	:	PUNCT
fsr-3324	7	7	income	income	NOUN
fsr-3324	7	8	;	;	PUNCT
fsr-3324	7	9	income	income	NOUN
fsr-3324	7	10	source	source	NOUN
fsr-3324	7	11	;	;	PUNCT
fsr-3324	7	12	decision	decision	NOUN
fsr-3324	7	13	making	making	NOUN
fsr-3324	7	14	;	;	PUNCT
fsr-3324	7	15	consumer	consumer	NOUN
fsr-3324	7	16	behavior	behavior	NOUN
fsr-3324	7	17	;	;	PUNCT
fsr-3324	7	18	mental	mental	ADJ
fsr-3324	7	19	accounting	accounting	NOUN
fsr-3324	7	20	1	1	NUM
fsr-3324	7	21	.	.	PUNCT
fsr-3324	7	22	introduction	introduction	NOUN
fsr-3324	7	23	a	a	DET
fsr-3324	7	24	significant	significant	ADJ
fsr-3324	7	25	volume	volume	NOUN
fsr-3324	7	26	of	of	ADP
fsr-3324	7	27	research	research	NOUN
fsr-3324	7	28	has	have	AUX
fsr-3324	7	29	established	establish	VERB
fsr-3324	7	30	that	that	SCONJ
fsr-3324	7	31	people	people	NOUN
fsr-3324	7	32	use	use	VERB
fsr-3324	7	33	mental	mental	ADJ
fsr-3324	7	34	accounts	account	NOUN
fsr-3324	7	35	for	for	ADP
fsr-3324	7	36	budgeting	budget	VERB
fsr-3324	7	37	their	their	PRON
fsr-3324	7	38	savings	saving	NOUN
fsr-3324	7	39	and	and	CCONJ
fsr-3324	7	40	expenditures	expenditure	NOUN
fsr-3324	7	41	.	.	PUNCT
fsr-3324	8	1	there	there	PRON
fsr-3324	8	2	is	be	VERB
fsr-3324	8	3	ample	ample	ADJ
fsr-3324	8	4	literature	literature	NOUN
fsr-3324	8	5	that	that	PRON
fsr-3324	8	6	suggests	suggest	VERB
fsr-3324	8	7	that	that	SCONJ
fsr-3324	8	8	income	income	NOUN
fsr-3324	8	9	may	may	AUX
fsr-3324	8	10	be	be	AUX
fsr-3324	8	11	segregated	segregate	VERB
fsr-3324	8	12	into	into	ADP
fsr-3324	8	13	different	different	ADJ
fsr-3324	8	14	mental	mental	ADJ
fsr-3324	8	15	accounts	account	NOUN
fsr-3324	8	16	according	accord	VERB
fsr-3324	8	17	to	to	ADP
fsr-3324	8	18	its	its	PRON
fsr-3324	8	19	source	source	NOUN
fsr-3324	8	20	(	(	PUNCT
fsr-3324	8	21	e.g.	e.g.	ADV
fsr-3324	8	22	,	,	PUNCT
fsr-3324	8	23	thaler	thaler	NOUN
fsr-3324	8	24	,	,	PUNCT
fsr-3324	8	25	1999	1999	NUM
fsr-3324	8	26	)	)	PUNCT
fsr-3324	8	27	.	.	PUNCT
fsr-3324	9	1	there	there	PRON
fsr-3324	9	2	is	be	VERB
fsr-3324	9	3	very	very	ADV
fsr-3324	9	4	little	little	ADJ
fsr-3324	9	5	literature	literature	NOUN
fsr-3324	9	6	on	on	ADP
fsr-3324	9	7	whether	whether	SCONJ
fsr-3324	9	8	income	income	NOUN
fsr-3324	9	9	from	from	ADP
fsr-3324	9	10	a	a	DET
fsr-3324	9	11	specific	specific	ADJ
fsr-3324	9	12	mental	mental	ADJ
fsr-3324	9	13	account	account	NOUN
fsr-3324	9	14	flows	flow	VERB
fsr-3324	9	15	directly	directly	ADV
fsr-3324	9	16	to	to	ADP
fsr-3324	9	17	savings	saving	NOUN
fsr-3324	9	18	,	,	PUNCT
fsr-3324	9	19	or	or	CCONJ
fsr-3324	9	20	alternatively	alternatively	ADV
fsr-3324	9	21	whether	whether	SCONJ
fsr-3324	9	22	income	income	NOUN
fsr-3324	9	23	from	from	ADP
fsr-3324	9	24	a	a	DET
fsr-3324	9	25	specific	specific	ADJ
fsr-3324	9	26	source	source	NOUN
fsr-3324	9	27	is	be	AUX
fsr-3324	9	28	comingled	comingle	VERB
fsr-3324	9	29	with	with	ADP
fsr-3324	9	30	income	income	NOUN
fsr-3324	9	31	*	*	PUNCT
fsr-3324	9	32	corresponding	correspond	VERB
fsr-3324	9	33	author	author	NOUN
fsr-3324	9	34	.	.	PUNCT
fsr-3324	10	1	tel	tel	PROPN
fsr-3324	10	2	.	.	PUNCT
fsr-3324	10	3	:	:	PUNCT
fsr-3324	10	4	�	�	PROPN
fsr-3324	10	5	1	1	NUM
fsr-3324	10	6	-	-	SYM
fsr-3324	10	7	386	386	NUM
fsr-3324	10	8	-	-	PUNCT
fsr-3324	10	9	822	822	NUM
fsr-3324	10	10	-	-	PUNCT
fsr-3324	10	11	7999	7999	NUM
fsr-3324	10	12	;	;	PUNCT
fsr-3324	10	13	fax	fax	NOUN
fsr-3324	10	14	:	:	PUNCT
fsr-3324	10	15	�	�	PROPN
fsr-3324	10	16	1	1	NUM
fsr-3324	10	17	-	-	SYM
fsr-3324	10	18	386	386	NUM
fsr-3324	10	19	-	-	PUNCT
fsr-3324	10	20	822	822	NUM
fsr-3324	10	21	-	-	PUNCT
fsr-3324	10	22	7426	7426	NUM
fsr-3324	10	23	.	.	PUNCT
fsr-3324	11	1	e	e	X
fsr-3324	11	2	-	-	NOUN
fsr-3324	11	3	mail	mail	NOUN
fsr-3324	11	4	address	address	NOUN
fsr-3324	11	5	:	:	PUNCT
fsr-3324	11	6	valrie.chambers@stetson.edu	valrie.chambers@stetson.edu	NUM
fsr-3324	11	7	financial	financial	ADJ
fsr-3324	11	8	services	service	NOUN
fsr-3324	11	9	review	review	VERB
fsr-3324	11	10	26	26	NUM
fsr-3324	11	11	(	(	PUNCT
fsr-3324	11	12	2017	2017	NUM
fsr-3324	11	13	)	)	PUNCT
fsr-3324	12	1	291–313	291–313	NUM
fsr-3324	12	2	1057	1057	NUM
fsr-3324	12	3	-	-	SYM
fsr-3324	12	4	0810/17/$	0810/17/$	NUM
fsr-3324	12	5	–	–	PUNCT
fsr-3324	12	6	see	see	VERB
fsr-3324	12	7	front	front	ADJ
fsr-3324	12	8	matter	matter	NOUN
fsr-3324	12	9	©	©	PROPN
fsr-3324	12	10	2017	2017	NUM
fsr-3324	12	11	academy	academy	NOUN
fsr-3324	12	12	of	of	ADP
fsr-3324	12	13	financial	financial	ADJ
fsr-3324	12	14	services	service	NOUN
fsr-3324	12	15	.	.	PUNCT
fsr-3324	13	1	all	all	DET
fsr-3324	13	2	rights	right	NOUN
fsr-3324	13	3	reserved	reserve	VERB
fsr-3324	13	4	.	.	PUNCT
fsr-3324	14	1	from	from	ADP
fsr-3324	14	2	other	other	ADJ
fsr-3324	14	3	sources	source	NOUN
fsr-3324	14	4	and	and	CCONJ
fsr-3324	14	5	then	then	ADV
fsr-3324	14	6	the	the	DET
fsr-3324	14	7	combined	combine	VERB
fsr-3324	14	8	amount	amount	NOUN
fsr-3324	14	9	is	be	AUX
fsr-3324	14	10	allocated	allocate	VERB
fsr-3324	14	11	into	into	ADP
fsr-3324	14	12	mental	mental	ADJ
fsr-3324	14	13	accounts	account	NOUN
fsr-3324	14	14	for	for	ADP
fsr-3324	14	15	savings	saving	NOUN
fsr-3324	14	16	and	and	CCONJ
fsr-3324	14	17	expenditures	expenditure	NOUN
fsr-3324	14	18	.	.	PUNCT
fsr-3324	15	1	this	this	DET
fsr-3324	15	2	study	study	NOUN
fsr-3324	15	3	is	be	AUX
fsr-3324	15	4	important	important	ADJ
fsr-3324	15	5	because	because	SCONJ
fsr-3324	15	6	if	if	SCONJ
fsr-3324	15	7	there	there	PRON
fsr-3324	15	8	is	be	VERB
fsr-3324	15	9	a	a	DET
fsr-3324	15	10	significant	significant	ADJ
fsr-3324	15	11	difference	difference	NOUN
fsr-3324	15	12	in	in	ADP
fsr-3324	15	13	how	how	SCONJ
fsr-3324	15	14	much	much	ADJ
fsr-3324	15	15	windfall	windfall	NOUN
fsr-3324	15	16	income	income	NOUN
fsr-3324	15	17	people	people	NOUN
fsr-3324	15	18	save	save	VERB
fsr-3324	15	19	based	base	VERB
fsr-3324	15	20	on	on	ADP
fsr-3324	15	21	the	the	DET
fsr-3324	15	22	source	source	NOUN
fsr-3324	15	23	of	of	ADP
fsr-3324	15	24	that	that	DET
fsr-3324	15	25	income	income	NOUN
fsr-3324	15	26	alone	alone	ADV
fsr-3324	15	27	,	,	PUNCT
fsr-3324	15	28	then	then	ADV
fsr-3324	15	29	people	people	NOUN
fsr-3324	15	30	may	may	AUX
fsr-3324	15	31	be	be	AUX
fsr-3324	15	32	making	make	VERB
fsr-3324	15	33	savings	saving	NOUN
fsr-3324	15	34	decisions	decision	NOUN
fsr-3324	15	35	earlier	early	ADV
fsr-3324	15	36	in	in	ADP
fsr-3324	15	37	the	the	DET
fsr-3324	15	38	process	process	NOUN
fsr-3324	15	39	than	than	SCONJ
fsr-3324	15	40	many	many	ADJ
fsr-3324	15	41	of	of	ADP
fsr-3324	15	42	us	we	PRON
fsr-3324	15	43	assume	assume	VERB
fsr-3324	15	44	.	.	PUNCT
fsr-3324	16	1	that	that	PRON
fsr-3324	16	2	is	be	AUX
fsr-3324	16	3	,	,	PUNCT
fsr-3324	16	4	if	if	SCONJ
fsr-3324	16	5	people	people	NOUN
fsr-3324	16	6	save	save	VERB
fsr-3324	16	7	more	more	ADJ
fsr-3324	16	8	of	of	ADP
fsr-3324	16	9	an	an	DET
fsr-3324	16	10	inheritance	inheritance	NOUN
fsr-3324	16	11	than	than	ADP
fsr-3324	16	12	of	of	ADP
fsr-3324	16	13	a	a	DET
fsr-3324	16	14	bonus	bonus	NOUN
fsr-3324	16	15	,	,	PUNCT
fsr-3324	16	16	they	they	PRON
fsr-3324	16	17	are	be	AUX
fsr-3324	16	18	arguably	arguably	ADV
fsr-3324	16	19	not	not	PART
fsr-3324	16	20	just	just	ADV
fsr-3324	16	21	saving	save	VERB
fsr-3324	16	22	a	a	DET
fsr-3324	16	23	fixed	fixed	ADJ
fsr-3324	16	24	percentage	percentage	NOUN
fsr-3324	16	25	of	of	ADP
fsr-3324	16	26	income	income	NOUN
fsr-3324	16	27	or	or	CCONJ
fsr-3324	16	28	saving	save	VERB
fsr-3324	16	29	from	from	ADP
fsr-3324	16	30	excess	excess	ADJ
fsr-3324	16	31	funds	fund	NOUN
fsr-3324	16	32	,	,	PUNCT
fsr-3324	16	33	they	they	PRON
fsr-3324	16	34	may	may	AUX
fsr-3324	16	35	be	be	AUX
fsr-3324	16	36	attaching	attach	VERB
fsr-3324	16	37	a	a	DET
fsr-3324	16	38	kind	kind	NOUN
fsr-3324	16	39	of	of	ADP
fsr-3324	16	40	purpose	purpose	NOUN
fsr-3324	16	41	to	to	ADP
fsr-3324	16	42	the	the	DET
fsr-3324	16	43	source	source	NOUN
fsr-3324	16	44	itself	itself	PRON
fsr-3324	16	45	,	,	PUNCT
fsr-3324	16	46	in	in	ADP
fsr-3324	16	47	which	which	DET
fsr-3324	16	48	case	case	NOUN
fsr-3324	16	49	the	the	DET
fsr-3324	16	50	mental	mental	ADJ
fsr-3324	16	51	accounts	account	NOUN
fsr-3324	16	52	used	use	VERB
fsr-3324	16	53	for	for	ADP
fsr-3324	16	54	budgeting	budget	VERB
fsr-3324	16	55	expenditures	expenditure	NOUN
fsr-3324	16	56	does	do	AUX
fsr-3324	16	57	not	not	PART
fsr-3324	16	58	originate	originate	VERB
fsr-3324	16	59	with	with	ADP
fsr-3324	16	60	the	the	DET
fsr-3324	16	61	collection	collection	NOUN
fsr-3324	16	62	of	of	ADP
fsr-3324	16	63	fungible	fungible	ADJ
fsr-3324	16	64	income	income	NOUN
fsr-3324	16	65	,	,	PUNCT
fsr-3324	16	66	but	but	CCONJ
fsr-3324	16	67	rather	rather	ADV
fsr-3324	16	68	sometimes	sometimes	ADV
fsr-3324	16	69	earlier	early	ADV
fsr-3324	16	70	,	,	PUNCT
fsr-3324	16	71	at	at	ADP
fsr-3324	16	72	the	the	DET
fsr-3324	16	73	creation	creation	NOUN
fsr-3324	16	74	of	of	ADP
fsr-3324	16	75	the	the	DET
fsr-3324	16	76	distinct	distinct	ADJ
fsr-3324	16	77	sources	source	NOUN
fsr-3324	16	78	of	of	ADP
fsr-3324	16	79	the	the	DET
fsr-3324	16	80	income	income	NOUN
fsr-3324	16	81	themselves	themselves	PRON
fsr-3324	16	82	.	.	PUNCT
fsr-3324	17	1	by	by	ADP
fsr-3324	17	2	understanding	understand	VERB
fsr-3324	17	3	the	the	DET
fsr-3324	17	4	process	process	NOUN
fsr-3324	17	5	of	of	ADP
fsr-3324	17	6	allocating	allocate	VERB
fsr-3324	17	7	money	money	NOUN
fsr-3324	17	8	to	to	ADP
fsr-3324	17	9	savings	saving	NOUN
fsr-3324	17	10	better	well	ADV
fsr-3324	17	11	,	,	PUNCT
fsr-3324	17	12	and	and	CCONJ
fsr-3324	17	13	specifically	specifically	ADV
fsr-3324	17	14	,	,	PUNCT
fsr-3324	17	15	the	the	DET
fsr-3324	17	16	point	point	NOUN
fsr-3324	17	17	in	in	ADP
fsr-3324	17	18	the	the	DET
fsr-3324	17	19	process	process	NOUN
fsr-3324	17	20	at	at	ADP
fsr-3324	17	21	which	which	PRON
fsr-3324	17	22	they	they	PRON
fsr-3324	17	23	make	make	VERB
fsr-3324	17	24	that	that	DET
fsr-3324	17	25	allocation	allocation	NOUN
fsr-3324	17	26	,	,	PUNCT
fsr-3324	17	27	individuals	individual	NOUN
fsr-3324	17	28	can	can	AUX
fsr-3324	17	29	better	well	ADV
fsr-3324	17	30	understand	understand	VERB
fsr-3324	17	31	why	why	SCONJ
fsr-3324	17	32	they	they	PRON
fsr-3324	17	33	are	be	AUX
fsr-3324	17	34	(	(	PUNCT
fsr-3324	17	35	not	not	PART
fsr-3324	17	36	)	)	PUNCT
fsr-3324	17	37	meeting	meet	VERB
fsr-3324	17	38	their	their	PRON
fsr-3324	17	39	savings	saving	NOUN
fsr-3324	17	40	goals	goal	NOUN
fsr-3324	17	41	.	.	PUNCT
fsr-3324	18	1	as	as	SCONJ
fsr-3324	18	2	we	we	PRON
fsr-3324	18	3	better	well	ADV
fsr-3324	18	4	understand	understand	VERB
fsr-3324	18	5	how	how	SCONJ
fsr-3324	18	6	people	people	NOUN
fsr-3324	18	7	collectively	collectively	ADV
fsr-3324	18	8	allocate	allocate	VERB
fsr-3324	18	9	money	money	NOUN
fsr-3324	18	10	to	to	ADP
fsr-3324	18	11	savings	saving	NOUN
fsr-3324	18	12	,	,	PUNCT
fsr-3324	18	13	societies	society	NOUN
fsr-3324	18	14	can	can	AUX
fsr-3324	18	15	better	well	ADV
fsr-3324	18	16	predict	predict	VERB
fsr-3324	18	17	the	the	DET
fsr-3324	18	18	effects	effect	NOUN
fsr-3324	18	19	of	of	ADP
fsr-3324	18	20	different	different	ADJ
fsr-3324	18	21	types	type	NOUN
fsr-3324	18	22	of	of	ADP
fsr-3324	18	23	income	income	NOUN
fsr-3324	18	24	structures	structure	NOUN
fsr-3324	18	25	on	on	ADP
fsr-3324	18	26	societal	societal	ADJ
fsr-3324	18	27	goals	goal	NOUN
fsr-3324	18	28	,	,	PUNCT
fsr-3324	18	29	like	like	ADP
fsr-3324	18	30	stimulating	stimulate	VERB
fsr-3324	18	31	an	an	DET
fsr-3324	18	32	economy	economy	NOUN
fsr-3324	18	33	during	during	ADP
fsr-3324	18	34	a	a	DET
fsr-3324	18	35	recession	recession	NOUN
fsr-3324	18	36	.	.	PUNCT
fsr-3324	19	1	if	if	SCONJ
fsr-3324	19	2	income	income	NOUN
fsr-3324	19	3	source	source	NOUN
fsr-3324	19	4	causes	cause	VERB
fsr-3324	19	5	significant	significant	ADJ
fsr-3324	19	6	differences	difference	NOUN
fsr-3324	19	7	,	,	PUNCT
fsr-3324	19	8	we	we	PRON
fsr-3324	19	9	can	can	AUX
fsr-3324	19	10	further	far	ADV
fsr-3324	19	11	study	study	VERB
fsr-3324	19	12	questions	question	NOUN
fsr-3324	19	13	like	like	ADP
fsr-3324	19	14	these	these	PRON
fsr-3324	19	15	:	:	PUNCT
fsr-3324	19	16	from	from	ADP
fsr-3324	19	17	a	a	DET
fsr-3324	19	18	macroeconomic	macroeconomic	ADJ
fsr-3324	19	19	standpoint	standpoint	NOUN
fsr-3324	19	20	,	,	PUNCT
fsr-3324	19	21	what	what	DET
fsr-3324	19	22	effect	effect	NOUN
fsr-3324	19	23	on	on	ADP
fsr-3324	19	24	amount	amount	NOUN
fsr-3324	19	25	saved	save	VERB
fsr-3324	19	26	does	do	VERB
fsr-3324	19	27	an	an	DET
fsr-3324	19	28	ordinary	ordinary	ADJ
fsr-3324	19	29	income	income	NOUN
fsr-3324	19	30	pay	pay	NOUN
fsr-3324	19	31	structure	structure	NOUN
fsr-3324	19	32	have	have	VERB
fsr-3324	19	33	versus	versus	ADP
fsr-3324	19	34	a	a	DET
fsr-3324	19	35	lower	low	ADJ
fsr-3324	19	36	ordinary	ordinary	ADJ
fsr-3324	19	37	income	income	NOUN
fsr-3324	19	38	plus	plus	CCONJ
fsr-3324	19	39	a	a	DET
fsr-3324	19	40	bonus	bonus	NOUN
fsr-3324	19	41	structure	structure	NOUN
fsr-3324	19	42	that	that	PRON
fsr-3324	19	43	keeps	keep	VERB
fsr-3324	19	44	total	total	ADJ
fsr-3324	19	45	compensation	compensation	NOUN
fsr-3324	19	46	equal	equal	ADJ
fsr-3324	19	47	with	with	ADP
fsr-3324	19	48	the	the	DET
fsr-3324	19	49	alternative	alternative	NOUN
fsr-3324	19	50	?	?	PUNCT
fsr-3324	20	1	as	as	SCONJ
fsr-3324	20	2	the	the	DET
fsr-3324	20	3	baby	baby	NOUN
fsr-3324	20	4	boomer	boomer	NOUN
fsr-3324	20	5	generation	generation	NOUN
fsr-3324	20	6	dies	die	VERB
fsr-3324	20	7	off	off	ADV
fsr-3324	20	8	,	,	PUNCT
fsr-3324	20	9	what	what	DET
fsr-3324	20	10	effect	effect	NOUN
fsr-3324	20	11	will	will	AUX
fsr-3324	20	12	additional	additional	ADJ
fsr-3324	20	13	inheritances	inheritance	NOUN
fsr-3324	20	14	have	have	VERB
fsr-3324	20	15	on	on	ADP
fsr-3324	20	16	spending	spending	NOUN
fsr-3324	20	17	versus	versus	ADP
fsr-3324	20	18	saving	save	VERB
fsr-3324	20	19	?	?	PUNCT
fsr-3324	21	1	what	what	DET
fsr-3324	21	2	role	role	NOUN
fsr-3324	21	3	might	might	AUX
fsr-3324	21	4	“	"	PUNCT
fsr-3324	21	5	fun	fun	VERB
fsr-3324	21	6	”	"	PUNCT
fsr-3324	21	7	play	play	NOUN
fsr-3324	21	8	in	in	ADP
fsr-3324	21	9	people	people	NOUN
fsr-3324	21	10	’s	’s	PART
fsr-3324	21	11	spending	spending	NOUN
fsr-3324	21	12	patterns	pattern	NOUN
fsr-3324	21	13	?	?	PUNCT
fsr-3324	22	1	is	be	AUX
fsr-3324	22	2	greater	great	ADJ
fsr-3324	22	3	personal	personal	ADJ
fsr-3324	22	4	control	control	NOUN
fsr-3324	22	5	in	in	ADP
fsr-3324	22	6	earnings	earning	NOUN
fsr-3324	22	7	a	a	DET
fsr-3324	22	8	factor	factor	NOUN
fsr-3324	22	9	in	in	ADP
fsr-3324	22	10	savings	saving	NOUN
fsr-3324	22	11	choices	choice	NOUN
fsr-3324	22	12	,	,	PUNCT
fsr-3324	22	13	such	such	ADJ
fsr-3324	22	14	as	as	ADP
fsr-3324	22	15	when	when	SCONJ
fsr-3324	22	16	one	one	PRON
fsr-3324	22	17	receives	receive	VERB
fsr-3324	22	18	an	an	DET
fsr-3324	22	19	earned	earn	VERB
fsr-3324	22	20	tax	tax	NOUN
fsr-3324	22	21	refund	refund	NOUN
fsr-3324	22	22	from	from	ADP
fsr-3324	22	23	the	the	DET
fsr-3324	22	24	withholding	withholding	NOUN
fsr-3324	22	25	that	that	PRON
fsr-3324	22	26	she	she	PRON
fsr-3324	22	27	established	establish	VERB
fsr-3324	22	28	versus	versus	ADP
fsr-3324	22	29	a	a	DET
fsr-3324	22	30	bonus	bonus	NOUN
fsr-3324	22	31	,	,	PUNCT
fsr-3324	22	32	which	which	PRON
fsr-3324	22	33	is	be	AUX
fsr-3324	22	34	also	also	ADV
fsr-3324	22	35	earned	earn	VERB
fsr-3324	22	36	but	but	CCONJ
fsr-3324	22	37	more	more	ADV
fsr-3324	22	38	dependent	dependent	ADJ
fsr-3324	22	39	on	on	ADP
fsr-3324	22	40	employer	employer	NOUN
fsr-3324	22	41	discretion	discretion	NOUN
fsr-3324	22	42	?	?	PUNCT
fsr-3324	23	1	however	however	ADV
fsr-3324	23	2	,	,	PUNCT
fsr-3324	23	3	first	first	ADV
fsr-3324	23	4	,	,	PUNCT
fsr-3324	23	5	we	we	PRON
fsr-3324	23	6	need	need	VERB
fsr-3324	23	7	to	to	PART
fsr-3324	23	8	know	know	VERB
fsr-3324	23	9	whether	whether	SCONJ
fsr-3324	23	10	this	this	DET
fsr-3324	23	11	path	path	NOUN
fsr-3324	23	12	is	be	AUX
fsr-3324	23	13	worth	worth	ADJ
fsr-3324	23	14	exploring	explore	VERB
fsr-3324	23	15	further	far	ADV
fsr-3324	23	16	,	,	PUNCT
fsr-3324	23	17	and	and	CCONJ
fsr-3324	23	18	to	to	PART
fsr-3324	23	19	do	do	VERB
fsr-3324	23	20	that	that	PRON
fsr-3324	23	21	,	,	PUNCT
fsr-3324	23	22	we	we	PRON
fsr-3324	23	23	must	must	AUX
fsr-3324	23	24	explore	explore	VERB
fsr-3324	23	25	whether	whether	SCONJ
fsr-3324	23	26	any	any	DET
fsr-3324	23	27	differences	difference	NOUN
fsr-3324	23	28	in	in	ADP
fsr-3324	23	29	saving	save	VERB
fsr-3324	23	30	because	because	SCONJ
fsr-3324	23	31	of	of	ADP
fsr-3324	23	32	the	the	DET
fsr-3324	23	33	source	source	NOUN
fsr-3324	23	34	of	of	ADP
fsr-3324	23	35	the	the	DET
fsr-3324	23	36	income	income	NOUN
fsr-3324	23	37	appear	appear	VERB
fsr-3324	23	38	to	to	PART
fsr-3324	23	39	exist	exist	VERB
fsr-3324	23	40	.	.	PUNCT
fsr-3324	24	1	this	this	PRON
fsr-3324	24	2	is	be	AUX
fsr-3324	24	3	the	the	DET
fsr-3324	24	4	purpose	purpose	NOUN
fsr-3324	24	5	and	and	CCONJ
fsr-3324	24	6	importance	importance	NOUN
fsr-3324	24	7	of	of	ADP
fsr-3324	24	8	the	the	DET
fsr-3324	24	9	study	study	NOUN
fsr-3324	24	10	.	.	PUNCT
fsr-3324	25	1	2	2	X
fsr-3324	25	2	.	.	X
fsr-3324	25	3	literature	literature	NOUN
fsr-3324	25	4	review	review	VERB
fsr-3324	25	5	2.1	2.1	NUM
fsr-3324	25	6	.	.	PUNCT
fsr-3324	26	1	overview	overview	NOUN
fsr-3324	26	2	according	accord	VERB
fsr-3324	26	3	to	to	ADP
fsr-3324	26	4	mental	mental	ADJ
fsr-3324	26	5	accounting	accounting	NOUN
fsr-3324	26	6	theory	theory	NOUN
fsr-3324	26	7	,	,	PUNCT
fsr-3324	26	8	people	people	NOUN
fsr-3324	26	9	create	create	VERB
fsr-3324	26	10	different	different	ADJ
fsr-3324	26	11	mental	mental	ADJ
fsr-3324	26	12	expenditure	expenditure	NOUN
fsr-3324	26	13	accounts	account	NOUN
fsr-3324	26	14	(	(	PUNCT
fsr-3324	26	15	e.g.	e.g.	ADV
fsr-3324	26	16	,	,	PUNCT
fsr-3324	26	17	long	long	ADJ
fsr-3324	26	18	-	-	PUNCT
fsr-3324	26	19	term	term	NOUN
fsr-3324	26	20	savings	saving	NOUN
fsr-3324	26	21	)	)	PUNCT
fsr-3324	26	22	,	,	PUNCT
fsr-3324	26	23	and	and	CCONJ
fsr-3324	26	24	have	have	VERB
fsr-3324	26	25	different	different	ADJ
fsr-3324	26	26	marginal	marginal	ADJ
fsr-3324	26	27	propensities	propensity	NOUN
fsr-3324	26	28	to	to	PART
fsr-3324	26	29	consume	consume	VERB
fsr-3324	26	30	from	from	ADP
fsr-3324	26	31	each	each	DET
fsr-3324	26	32	account	account	NOUN
fsr-3324	26	33	.	.	PUNCT
fsr-3324	27	1	numerous	numerous	ADJ
fsr-3324	27	2	studies	study	NOUN
fsr-3324	27	3	support	support	VERB
fsr-3324	27	4	mental	mental	ADJ
fsr-3324	27	5	accounting	accounting	NOUN
fsr-3324	27	6	from	from	ADP
fsr-3324	27	7	a	a	DET
fsr-3324	27	8	regular	regular	ADJ
fsr-3324	27	9	income	income	NOUN
fsr-3324	27	10	flow	flow	NOUN
fsr-3324	27	11	or	or	CCONJ
fsr-3324	27	12	from	from	ADP
fsr-3324	27	13	an	an	DET
fsr-3324	27	14	irregular	irregular	ADJ
fsr-3324	27	15	,	,	PUNCT
fsr-3324	27	16	lump	lump	NOUN
fsr-3324	27	17	-	-	PUNCT
fsr-3324	27	18	sum	sum	NOUN
fsr-3324	27	19	windfall	windfall	NOUN
fsr-3324	27	20	(	(	PUNCT
fsr-3324	27	21	johnson	johnson	PROPN
fsr-3324	27	22	et	et	PROPN
fsr-3324	27	23	al	al	PROPN
fsr-3324	27	24	.	.	PROPN
fsr-3324	27	25	,	,	PUNCT
fsr-3324	27	26	2006	2006	NUM
fsr-3324	27	27	;	;	PUNCT
fsr-3324	27	28	o’curry	o’curry	PROPN
fsr-3324	27	29	,	,	PUNCT
fsr-3324	27	30	1999	1999	NUM
fsr-3324	27	31	;	;	PUNCT
fsr-3324	27	32	souleles	soulele	NOUN
fsr-3324	27	33	,	,	PUNCT
fsr-3324	27	34	2002	2002	NUM
fsr-3324	27	35	)	)	PUNCT
fsr-3324	27	36	.	.	PUNCT
fsr-3324	28	1	informally	informally	ADV
fsr-3324	28	2	,	,	PUNCT
fsr-3324	28	3	people	people	NOUN
fsr-3324	28	4	periodically	periodically	ADV
fsr-3324	28	5	reconcile	reconcile	VERB
fsr-3324	28	6	their	their	PRON
fsr-3324	28	7	mental	mental	ADJ
fsr-3324	28	8	accounts	account	NOUN
fsr-3324	28	9	for	for	ADP
fsr-3324	28	10	income	income	NOUN
fsr-3324	28	11	and	and	CCONJ
fsr-3324	28	12	expense	expense	NOUN
fsr-3324	28	13	(	(	PUNCT
fsr-3324	28	14	camerer	camer	ADJ
fsr-3324	28	15	et	et	NOUN
fsr-3324	28	16	al	al	PROPN
fsr-3324	28	17	.	.	PROPN
fsr-3324	28	18	,	,	PUNCT
fsr-3324	28	19	1997	1997	NUM
fsr-3324	28	20	;	;	PUNCT
fsr-3324	28	21	heath	heath	PROPN
fsr-3324	28	22	&	&	CCONJ
fsr-3324	28	23	soll	soll	PROPN
fsr-3324	28	24	,	,	PUNCT
fsr-3324	28	25	1996	1996	NUM
fsr-3324	28	26	;	;	PUNCT
fsr-3324	28	27	read	read	VERB
fsr-3324	28	28	et	et	PROPN
fsr-3324	28	29	al	al	PROPN
fsr-3324	28	30	.	.	PROPN
fsr-3324	28	31	,	,	PUNCT
fsr-3324	28	32	1999	1999	NUM
fsr-3324	28	33	;	;	PUNCT
fsr-3324	28	34	rizzo	rizzo	PROPN
fsr-3324	28	35	&	&	CCONJ
fsr-3324	28	36	zeckhauser	zeckhauser	PROPN
fsr-3324	28	37	,	,	PUNCT
fsr-3324	28	38	2003	2003	NUM
fsr-3324	28	39	)	)	PUNCT
fsr-3324	28	40	.	.	PUNCT
fsr-3324	29	1	karlsson	karlsson	PROPN
fsr-3324	29	2	et	et	PROPN
fsr-3324	29	3	al	al	PROPN
fsr-3324	29	4	.	.	PROPN
fsr-3324	29	5	(	(	PUNCT
fsr-3324	29	6	1999	1999	NUM
fsr-3324	29	7	)	)	PUNCT
fsr-3324	29	8	reported	report	VERB
fsr-3324	29	9	that	that	SCONJ
fsr-3324	29	10	cash	cash	NOUN
fsr-3324	29	11	spending	spending	NOUN
fsr-3324	29	12	on	on	ADP
fsr-3324	29	13	a	a	DET
fsr-3324	29	14	durable	durable	ADJ
fsr-3324	29	15	good	good	NOUN
fsr-3324	29	16	depended	depend	VERB
fsr-3324	29	17	on	on	ADP
fsr-3324	29	18	compatible	compatible	ADJ
fsr-3324	29	19	reasons	reason	NOUN
fsr-3324	29	20	for	for	ADP
fsr-3324	29	21	saving	save	VERB
fsr-3324	29	22	.	.	PUNCT
fsr-3324	30	1	generally	generally	ADV
fsr-3324	30	2	,	,	PUNCT
fsr-3324	30	3	math	math	NOUN
fsr-3324	30	4	aptitude	aptitude	NOUN
fsr-3324	30	5	affects	affect	VERB
fsr-3324	30	6	mental	mental	ADJ
fsr-3324	30	7	budgeting	budgeting	NOUN
fsr-3324	30	8	(	(	PUNCT
fsr-3324	30	9	abeler	abeler	PROPN
fsr-3324	30	10	&	&	CCONJ
fsr-3324	30	11	marklein	marklein	PROPN
fsr-3324	30	12	,	,	PUNCT
fsr-3324	30	13	2008	2008	NUM
fsr-3324	30	14	;	;	PUNCT
fsr-3324	30	15	benjamin	benjamin	PROPN
fsr-3324	30	16	,	,	PUNCT
fsr-3324	30	17	2006	2006	NUM
fsr-3324	30	18	)	)	PUNCT
fsr-3324	30	19	.	.	PUNCT
fsr-3324	31	1	cheema	cheema	PROPN
fsr-3324	31	2	and	and	CCONJ
fsr-3324	31	3	soman	soman	NOUN
fsr-3324	31	4	(	(	PUNCT
fsr-3324	31	5	2006	2006	NUM
fsr-3324	31	6	)	)	PUNCT
fsr-3324	31	7	and	and	CCONJ
fsr-3324	31	8	wertenbroch	wertenbroch	NOUN
fsr-3324	31	9	(	(	PUNCT
fsr-3324	31	10	2003	2003	NUM
fsr-3324	31	11	)	)	PUNCT
fsr-3324	31	12	concluded	conclude	VERB
fsr-3324	31	13	that	that	SCONJ
fsr-3324	31	14	mental	mental	ADJ
fsr-3324	31	15	budgeting	budgeting	NOUN
fsr-3324	31	16	is	be	AUX
fsr-3324	31	17	a	a	DET
fsr-3324	31	18	matter	matter	NOUN
fsr-3324	31	19	of	of	ADP
fsr-3324	31	20	self	self	NOUN
fsr-3324	31	21	-	-	PUNCT
fsr-3324	31	22	control	control	NOUN
fsr-3324	31	23	.	.	PUNCT
fsr-3324	32	1	sprenger	sprenger	NOUN
fsr-3324	32	2	and	and	CCONJ
fsr-3324	32	3	stavins	stavin	NOUN
fsr-3324	32	4	(	(	PUNCT
fsr-3324	32	5	2010	2010	NUM
fsr-3324	32	6	)	)	PUNCT
fsr-3324	32	7	found	find	VERB
fsr-3324	32	8	that	that	SCONJ
fsr-3324	32	9	one	one	NUM
fsr-3324	32	10	way	way	NOUN
fsr-3324	32	11	of	of	ADP
fsr-3324	32	12	exercising	exercise	VERB
fsr-3324	32	13	control	control	NOUN
fsr-3324	32	14	over	over	ADP
fsr-3324	32	15	spending	spend	VERB
fsr-3324	32	16	on	on	ADP
fsr-3324	32	17	revolving	revolve	VERB
fsr-3324	32	18	credit	credit	NOUN
fsr-3324	32	19	cards	card	NOUN
fsr-3324	32	20	is	be	AUX
fsr-3324	32	21	to	to	PART
fsr-3324	32	22	substitute	substitute	NOUN
fsr-3324	32	23	debit	debit	NOUN
fsr-3324	32	24	card	card	NOUN
fsr-3324	32	25	use	use	NOUN
fsr-3324	32	26	.	.	PUNCT
fsr-3324	33	1	292	292	NUM
fsr-3324	33	2	v.	v.	ADP
fsr-3324	33	3	chambers	chamber	NOUN
fsr-3324	33	4	et	et	PROPN
fsr-3324	33	5	al	al	PROPN
fsr-3324	33	6	.	.	PUNCT
fsr-3324	33	7	/	/	SYM
fsr-3324	33	8	financial	financial	ADJ
fsr-3324	33	9	services	service	NOUN
fsr-3324	33	10	review	review	VERB
fsr-3324	33	11	26	26	NUM
fsr-3324	33	12	(	(	PUNCT
fsr-3324	33	13	2017	2017	NUM
fsr-3324	33	14	)	)	PUNCT
fsr-3324	34	1	291–313	291–313	NUM
fsr-3324	34	2	frederick	frederick	NOUN
fsr-3324	34	3	(	(	PUNCT
fsr-3324	34	4	2005	2005	NUM
fsr-3324	34	5	)	)	PUNCT
fsr-3324	34	6	reported	report	VERB
fsr-3324	34	7	a	a	DET
fsr-3324	34	8	negative	negative	ADJ
fsr-3324	34	9	relationship	relationship	NOUN
fsr-3324	34	10	between	between	ADP
fsr-3324	34	11	non	non	ADJ
fsr-3324	34	12	-	-	ADJ
fsr-3324	34	13	rational	rational	ADJ
fsr-3324	34	14	behavior	behavior	NOUN
fsr-3324	34	15	and	and	CCONJ
fsr-3324	34	16	cognitive	cognitive	ADJ
fsr-3324	34	17	reflection	reflection	NOUN
fsr-3324	34	18	.	.	PUNCT
fsr-3324	35	1	baker	baker	NOUN
fsr-3324	35	2	and	and	CCONJ
fsr-3324	35	3	nofsinger	nofsinger	PROPN
fsr-3324	35	4	(	(	PUNCT
fsr-3324	35	5	2002	2002	NUM
fsr-3324	35	6	)	)	PUNCT
fsr-3324	35	7	found	find	VERB
fsr-3324	35	8	that	that	SCONJ
fsr-3324	35	9	,	,	PUNCT
fsr-3324	35	10	when	when	SCONJ
fsr-3324	35	11	inheriting	inherit	VERB
fsr-3324	35	12	a	a	DET
fsr-3324	35	13	hypothetical	hypothetical	ADJ
fsr-3324	35	14	portfolio	portfolio	NOUN
fsr-3324	35	15	,	,	PUNCT
fsr-3324	35	16	people	people	NOUN
fsr-3324	35	17	tend	tend	VERB
fsr-3324	35	18	to	to	PART
fsr-3324	35	19	hold	hold	VERB
fsr-3324	35	20	the	the	DET
fsr-3324	35	21	investments	investment	NOUN
fsr-3324	35	22	that	that	PRON
fsr-3324	35	23	they	they	PRON
fsr-3324	35	24	inherited	inherit	VERB
fsr-3324	35	25	,	,	PUNCT
fsr-3324	35	26	rather	rather	ADV
fsr-3324	35	27	than	than	ADP
fsr-3324	35	28	spend	spend	VERB
fsr-3324	35	29	them	they	PRON
fsr-3324	35	30	or	or	CCONJ
fsr-3324	35	31	change	change	VERB
fsr-3324	35	32	the	the	DET
fsr-3324	35	33	risk	risk	NOUN
fsr-3324	35	34	tolerance	tolerance	NOUN
fsr-3324	35	35	of	of	ADP
fsr-3324	35	36	these	these	DET
fsr-3324	35	37	investments	investment	NOUN
fsr-3324	35	38	to	to	PART
fsr-3324	35	39	match	match	VERB
fsr-3324	35	40	their	their	PRON
fsr-3324	35	41	own	own	ADJ
fsr-3324	35	42	risk	risk	NOUN
fsr-3324	35	43	tolerance	tolerance	NOUN
fsr-3324	35	44	.	.	PUNCT
fsr-3324	36	1	milkman	milkman	PROPN
fsr-3324	36	2	and	and	CCONJ
fsr-3324	36	3	beshears	beshear	NOUN
fsr-3324	36	4	(	(	PUNCT
fsr-3324	36	5	2009	2009	NUM
fsr-3324	36	6	)	)	PUNCT
fsr-3324	36	7	found	find	VERB
fsr-3324	36	8	that	that	SCONJ
fsr-3324	36	9	consumers	consumer	NOUN
fsr-3324	36	10	who	who	PRON
fsr-3324	36	11	receive	receive	VERB
fsr-3324	36	12	$	$	SYM
fsr-3324	36	13	10	10	NUM
fsr-3324	36	14	windfalls	windfall	NOUN
fsr-3324	36	15	in	in	ADP
fsr-3324	36	16	the	the	DET
fsr-3324	36	17	form	form	NOUN
fsr-3324	36	18	of	of	ADP
fsr-3324	36	19	grocery	grocery	NOUN
fsr-3324	36	20	coupons	coupon	NOUN
fsr-3324	36	21	spend	spend	VERB
fsr-3324	36	22	an	an	DET
fsr-3324	36	23	additional	additional	ADJ
fsr-3324	36	24	$	$	SYM
fsr-3324	36	25	1.59	1.59	NUM
fsr-3324	36	26	on	on	ADP
fsr-3324	36	27	groceries	grocery	NOUN
fsr-3324	36	28	that	that	SCONJ
fsr-3324	36	29	the	the	DET
fsr-3324	36	30	consumer	consumer	NOUN
fsr-3324	36	31	does	do	AUX
fsr-3324	36	32	not	not	PART
fsr-3324	36	33	typically	typically	ADV
fsr-3324	36	34	buy	buy	VERB
fsr-3324	36	35	,	,	PUNCT
fsr-3324	36	36	perhaps	perhaps	ADV
fsr-3324	36	37	buying	buy	VERB
fsr-3324	36	38	something	something	PRON
fsr-3324	36	39	she	she	PRON
fsr-3324	36	40	thought	think	VERB
fsr-3324	36	41	that	that	SCONJ
fsr-3324	36	42	she	she	PRON
fsr-3324	36	43	otherwise	otherwise	ADV
fsr-3324	36	44	could	could	AUX
fsr-3324	36	45	not	not	PART
fsr-3324	36	46	afford	afford	VERB
fsr-3324	36	47	.	.	PUNCT
fsr-3324	37	1	2.2	2.2	NUM
fsr-3324	37	2	.	.	PUNCT
fsr-3324	38	1	source	source	NOUN
fsr-3324	38	2	literature	literature	NOUN
fsr-3324	38	3	some	some	DET
fsr-3324	38	4	evidence	evidence	NOUN
fsr-3324	38	5	suggests	suggest	VERB
fsr-3324	38	6	that	that	SCONJ
fsr-3324	38	7	the	the	DET
fsr-3324	38	8	source	source	NOUN
fsr-3324	38	9	of	of	ADP
fsr-3324	38	10	one	one	NUM
fsr-3324	38	11	’s	’s	PART
fsr-3324	38	12	income	income	NOUN
fsr-3324	38	13	does	do	AUX
fsr-3324	38	14	affect	affect	VERB
fsr-3324	38	15	the	the	DET
fsr-3324	38	16	use	use	NOUN
fsr-3324	38	17	of	of	ADP
fsr-3324	38	18	those	those	DET
fsr-3324	38	19	funds	fund	NOUN
fsr-3324	38	20	.	.	PUNCT
fsr-3324	39	1	henderson	henderson	PROPN
fsr-3324	39	2	and	and	CCONJ
fsr-3324	39	3	peterson	peterson	PROPN
fsr-3324	39	4	(	(	PUNCT
fsr-3324	39	5	1992	1992	NUM
fsr-3324	39	6	)	)	PUNCT
fsr-3324	39	7	reported	report	VERB
fsr-3324	39	8	that	that	SCONJ
fsr-3324	39	9	individuals	individual	NOUN
fsr-3324	39	10	were	be	AUX
fsr-3324	39	11	more	more	ADV
fsr-3324	39	12	likely	likely	ADJ
fsr-3324	39	13	to	to	PART
fsr-3324	39	14	spend	spend	VERB
fsr-3324	39	15	$	$	SYM
fsr-3324	39	16	2,000	2,000	NUM
fsr-3324	39	17	on	on	ADP
fsr-3324	39	18	a	a	DET
fsr-3324	39	19	vacation	vacation	NOUN
fsr-3324	39	20	if	if	SCONJ
fsr-3324	39	21	the	the	DET
fsr-3324	39	22	source	source	NOUN
fsr-3324	39	23	of	of	ADP
fsr-3324	39	24	the	the	DET
fsr-3324	39	25	funds	fund	NOUN
fsr-3324	39	26	was	be	AUX
fsr-3324	39	27	a	a	DET
fsr-3324	39	28	gift	gift	NOUN
fsr-3324	39	29	rather	rather	ADV
fsr-3324	39	30	than	than	ADP
fsr-3324	39	31	a	a	DET
fsr-3324	39	32	work	work	NOUN
fsr-3324	39	33	bonus	bonus	NOUN
fsr-3324	39	34	.	.	PUNCT
fsr-3324	40	1	arkes	arke	NOUN
fsr-3324	40	2	et	et	PROPN
fsr-3324	40	3	al	al	PROPN
fsr-3324	40	4	.	.	PROPN
fsr-3324	41	1	(	(	PUNCT
fsr-3324	41	2	1994	1994	NUM
fsr-3324	41	3	)	)	PUNCT
fsr-3324	41	4	found	find	VERB
fsr-3324	41	5	that	that	SCONJ
fsr-3324	41	6	a	a	DET
fsr-3324	41	7	greater	great	ADJ
fsr-3324	41	8	percentage	percentage	NOUN
fsr-3324	41	9	of	of	ADP
fsr-3324	41	10	a	a	DET
fsr-3324	41	11	small	small	ADJ
fsr-3324	41	12	windfalls	windfall	NOUN
fsr-3324	41	13	was	be	AUX
fsr-3324	41	14	spent	spend	VERB
fsr-3324	41	15	than	than	ADP
fsr-3324	41	16	that	that	PRON
fsr-3324	41	17	from	from	ADP
fsr-3324	41	18	the	the	DET
fsr-3324	41	19	same	same	ADJ
fsr-3324	41	20	amount	amount	NOUN
fsr-3324	41	21	of	of	ADP
fsr-3324	41	22	anticipated	anticipate	VERB
fsr-3324	41	23	income	income	NOUN
fsr-3324	41	24	,	,	PUNCT
fsr-3324	41	25	indicating	indicate	VERB
fsr-3324	41	26	that	that	SCONJ
fsr-3324	41	27	foreknowledge	foreknowledge	NOUN
fsr-3324	41	28	of	of	ADP
fsr-3324	41	29	income	income	NOUN
fsr-3324	41	30	is	be	AUX
fsr-3324	41	31	a	a	DET
fsr-3324	41	32	factor	factor	NOUN
fsr-3324	41	33	in	in	ADP
fsr-3324	41	34	saving	saving	NOUN
fsr-3324	41	35	,	,	PUNCT
fsr-3324	41	36	consistent	consistent	ADJ
fsr-3324	41	37	with	with	ADP
fsr-3324	41	38	rucker	rucker	PROPN
fsr-3324	41	39	(	(	PUNCT
fsr-3324	41	40	1984	1984	NUM
fsr-3324	41	41	)	)	PUNCT
fsr-3324	41	42	and	and	CCONJ
fsr-3324	41	43	karlsson	karlsson	PROPN
fsr-3324	41	44	et	et	PROPN
fsr-3324	41	45	al	al	PROPN
fsr-3324	41	46	.	.	PROPN
fsr-3324	42	1	(	(	PUNCT
fsr-3324	42	2	1999	1999	NUM
fsr-3324	42	3	)	)	PUNCT
fsr-3324	42	4	.	.	PUNCT
fsr-3324	43	1	dobbelsteen	dobbelsteen	PROPN
fsr-3324	43	2	and	and	CCONJ
fsr-3324	43	3	kooreman	kooreman	NOUN
fsr-3324	43	4	(	(	PUNCT
fsr-3324	43	5	1997	1997	NUM
fsr-3324	43	6	)	)	PUNCT
fsr-3324	43	7	found	find	VERB
fsr-3324	43	8	that	that	SCONJ
fsr-3324	43	9	individuals	individual	NOUN
fsr-3324	43	10	were	be	AUX
fsr-3324	43	11	more	more	ADV
fsr-3324	43	12	sensitive	sensitive	ADJ
fsr-3324	43	13	to	to	ADP
fsr-3324	43	14	changes	change	NOUN
fsr-3324	43	15	in	in	ADP
fsr-3324	43	16	a	a	DET
fsr-3324	43	17	child	child	NOUN
fsr-3324	43	18	’s	’s	PART
fsr-3324	43	19	allowance	allowance	NOUN
fsr-3324	43	20	than	than	ADP
fsr-3324	43	21	to	to	ADP
fsr-3324	43	22	other	other	ADJ
fsr-3324	43	23	income	income	NOUN
fsr-3324	43	24	sources	source	NOUN
fsr-3324	43	25	for	for	ADP
fsr-3324	43	26	the	the	DET
fsr-3324	43	27	child	child	NOUN
fsr-3324	43	28	when	when	SCONJ
fsr-3324	43	29	deciding	decide	VERB
fsr-3324	43	30	how	how	SCONJ
fsr-3324	43	31	much	much	ADJ
fsr-3324	43	32	to	to	PART
fsr-3324	43	33	spend	spend	VERB
fsr-3324	43	34	on	on	ADP
fsr-3324	43	35	their	their	PRON
fsr-3324	43	36	child	child	NOUN
fsr-3324	43	37	’s	’s	PART
fsr-3324	43	38	clothing	clothing	NOUN
fsr-3324	43	39	.	.	PUNCT
fsr-3324	44	1	winkelmann	winkelmann	PROPN
fsr-3324	44	2	et	et	PROPN
fsr-3324	44	3	al	al	PROPN
fsr-3324	44	4	.	.	PROPN
fsr-3324	45	1	(	(	PUNCT
fsr-3324	45	2	2011	2011	NUM
fsr-3324	45	3	)	)	PUNCT
fsr-3324	45	4	used	use	VERB
fsr-3324	45	5	evidence	evidence	NOUN
fsr-3324	45	6	from	from	ADP
fsr-3324	45	7	german	german	ADJ
fsr-3324	45	8	lottery	lottery	NOUN
fsr-3324	45	9	winners	winner	NOUN
fsr-3324	45	10	to	to	PART
fsr-3324	45	11	show	show	VERB
fsr-3324	45	12	that	that	SCONJ
fsr-3324	45	13	spending	spending	NOUN
fsr-3324	45	14	from	from	ADP
fsr-3324	45	15	different	different	ADJ
fsr-3324	45	16	sources	source	NOUN
fsr-3324	45	17	of	of	ADP
fsr-3324	45	18	income	income	NOUN
fsr-3324	45	19	conferred	confer	VERB
fsr-3324	45	20	different	different	ADJ
fsr-3324	45	21	marginal	marginal	ADJ
fsr-3324	45	22	utilities	utility	NOUN
fsr-3324	45	23	.	.	PUNCT
fsr-3324	46	1	trump	trump	VERB
fsr-3324	46	2	et	et	PROPN
fsr-3324	46	3	al	al	PROPN
fsr-3324	46	4	.	.	PROPN
fsr-3324	47	1	(	(	PUNCT
fsr-3324	47	2	2015	2015	NUM
fsr-3324	47	3	)	)	PUNCT
fsr-3324	47	4	found	find	VERB
fsr-3324	47	5	that	that	SCONJ
fsr-3324	47	6	individuals	individual	NOUN
fsr-3324	47	7	would	would	AUX
fsr-3324	47	8	make	make	VERB
fsr-3324	47	9	riskier	risky	ADJ
fsr-3324	47	10	choices	choice	NOUN
fsr-3324	47	11	with	with	ADP
fsr-3324	47	12	a	a	DET
fsr-3324	47	13	stranger	stranger	NOUN
fsr-3324	47	14	’s	’s	PART
fsr-3324	47	15	money	money	NOUN
fsr-3324	47	16	than	than	ADP
fsr-3324	47	17	with	with	ADP
fsr-3324	47	18	a	a	DET
fsr-3324	47	19	friend	friend	NOUN
fsr-3324	47	20	’s	’s	PART
fsr-3324	47	21	money	money	NOUN
fsr-3324	47	22	.	.	PUNCT
fsr-3324	48	1	similarly	similarly	ADV
fsr-3324	48	2	,	,	PUNCT
fsr-3324	48	3	bradford	bradford	NOUN
fsr-3324	48	4	(	(	PUNCT
fsr-3324	48	5	2008	2008	NUM
fsr-3324	48	6	)	)	PUNCT
fsr-3324	48	7	found	find	VERB
fsr-3324	48	8	that	that	SCONJ
fsr-3324	48	9	individuals	individual	NOUN
fsr-3324	48	10	allocate	allocate	VERB
fsr-3324	48	11	gifted	gifted	ADJ
fsr-3324	48	12	and	and	CCONJ
fsr-3324	48	13	inherited	inherit	VERB
fsr-3324	48	14	assets	asset	NOUN
fsr-3324	48	15	in	in	ADP
fsr-3324	48	16	support	support	NOUN
fsr-3324	48	17	of	of	ADP
fsr-3324	48	18	relational	relational	ADJ
fsr-3324	48	19	goals	goal	NOUN
fsr-3324	48	20	.	.	PUNCT
fsr-3324	49	1	levav	levav	PROPN
fsr-3324	49	2	and	and	CCONJ
fsr-3324	49	3	mcgraw	mcgraw	PROPN
fsr-3324	49	4	(	(	PUNCT
fsr-3324	49	5	2009	2009	NUM
fsr-3324	49	6	)	)	PUNCT
fsr-3324	49	7	proposed	propose	VERB
fsr-3324	49	8	that	that	SCONJ
fsr-3324	49	9	tracking	track	VERB
fsr-3324	49	10	expenditures	expenditure	NOUN
fsr-3324	49	11	from	from	ADP
fsr-3324	49	12	windfalls	windfall	NOUN
fsr-3324	49	13	in	in	ADP
fsr-3324	49	14	mental	mental	ADJ
fsr-3324	49	15	accounts	account	NOUN
fsr-3324	49	16	can	can	AUX
fsr-3324	49	17	be	be	AUX
fsr-3324	49	18	complemented	complement	VERB
fsr-3324	49	19	by	by	ADP
fsr-3324	49	20	examining	examine	VERB
fsr-3324	49	21	one	one	NUM
fsr-3324	49	22	’s	’s	PART
fsr-3324	49	23	“	"	PUNCT
fsr-3324	49	24	affective	affective	ADJ
fsr-3324	49	25	tag	tag	NOUN
fsr-3324	49	26	,	,	PUNCT
fsr-3324	49	27	”	"	PUNCT
fsr-3324	49	28	which	which	PRON
fsr-3324	49	29	is	be	AUX
fsr-3324	49	30	how	how	SCONJ
fsr-3324	49	31	one	one	PRON
fsr-3324	49	32	feels	feel	VERB
fsr-3324	49	33	about	about	ADP
fsr-3324	49	34	a	a	DET
fsr-3324	49	35	sum	sum	NOUN
fsr-3324	49	36	of	of	ADP
fsr-3324	49	37	money	money	NOUN
fsr-3324	49	38	.	.	PUNCT
fsr-3324	50	1	for	for	ADP
fsr-3324	50	2	example	example	NOUN
fsr-3324	50	3	,	,	PUNCT
fsr-3324	50	4	the	the	DET
fsr-3324	50	5	affective	affective	ADJ
fsr-3324	50	6	tag	tag	NOUN
fsr-3324	50	7	one	one	NUM
fsr-3324	50	8	places	place	NOUN
fsr-3324	50	9	on	on	ADP
fsr-3324	50	10	the	the	DET
fsr-3324	50	11	money	money	NOUN
fsr-3324	50	12	associated	associate	VERB
fsr-3324	50	13	with	with	ADP
fsr-3324	50	14	negative	negative	ADJ
fsr-3324	50	15	feelings	feeling	NOUN
fsr-3324	50	16	may	may	AUX
fsr-3324	50	17	influence	influence	VERB
fsr-3324	50	18	them	they	PRON
fsr-3324	50	19	to	to	PART
fsr-3324	50	20	consume	consume	VERB
fsr-3324	50	21	the	the	DET
fsr-3324	50	22	windfall	windfall	NOUN
fsr-3324	50	23	either	either	CCONJ
fsr-3324	50	24	reluctantly	reluctantly	ADV
fsr-3324	50	25	or	or	CCONJ
fsr-3324	50	26	virtuously	virtuously	ADV
fsr-3324	50	27	to	to	PART
fsr-3324	50	28	cope	cope	VERB
fsr-3324	50	29	with	with	ADP
fsr-3324	50	30	those	those	DET
fsr-3324	50	31	negative	negative	ADJ
fsr-3324	50	32	feelings	feeling	NOUN
fsr-3324	50	33	.	.	PUNCT
fsr-3324	51	1	levav	levav	PROPN
fsr-3324	51	2	and	and	CCONJ
fsr-3324	51	3	mcgraw	mcgraw	PROPN
fsr-3324	51	4	further	far	ADV
fsr-3324	51	5	postulated	postulate	VERB
fsr-3324	51	6	that	that	SCONJ
fsr-3324	51	7	income	income	NOUN
fsr-3324	51	8	is	be	AUX
fsr-3324	51	9	spent	spend	VERB
fsr-3324	51	10	in	in	ADP
fsr-3324	51	11	a	a	DET
fsr-3324	51	12	way	way	NOUN
fsr-3324	51	13	that	that	PRON
fsr-3324	51	14	matches	match	VERB
fsr-3324	51	15	that	that	DET
fsr-3324	51	16	source	source	NOUN
fsr-3324	51	17	;	;	PUNCT
fsr-3324	51	18	money	money	NOUN
fsr-3324	51	19	won	win	VERB
fsr-3324	51	20	on	on	ADP
fsr-3324	51	21	a	a	DET
fsr-3324	51	22	bet	bet	NOUN
fsr-3324	51	23	may	may	AUX
fsr-3324	51	24	be	be	AUX
fsr-3324	51	25	spent	spend	VERB
fsr-3324	51	26	frivolously	frivolously	ADV
fsr-3324	51	27	,	,	PUNCT
fsr-3324	51	28	but	but	CCONJ
fsr-3324	51	29	money	money	NOUN
fsr-3324	51	30	back	back	ADV
fsr-3324	51	31	from	from	ADP
fsr-3324	51	32	the	the	DET
fsr-3324	51	33	irs	irs	PROPN
fsr-3324	51	34	would	would	AUX
fsr-3324	51	35	be	be	AUX
fsr-3324	51	36	used	use	VERB
fsr-3324	51	37	to	to	PART
fsr-3324	51	38	pay	pay	VERB
fsr-3324	51	39	for	for	ADP
fsr-3324	51	40	something	something	PRON
fsr-3324	51	41	of	of	ADP
fsr-3324	51	42	greater	great	ADJ
fsr-3324	51	43	importance	importance	NOUN
fsr-3324	51	44	or	or	CCONJ
fsr-3324	51	45	lasting	last	VERB
fsr-3324	51	46	value	value	NOUN
fsr-3324	51	47	.	.	PUNCT
fsr-3324	52	1	still	still	ADV
fsr-3324	52	2	,	,	PUNCT
fsr-3324	52	3	the	the	DET
fsr-3324	52	4	framing	framing	NOUN
fsr-3324	52	5	of	of	ADP
fsr-3324	52	6	payments	payment	NOUN
fsr-3324	52	7	seems	seem	VERB
fsr-3324	52	8	to	to	PART
fsr-3324	52	9	matter	matter	VERB
fsr-3324	52	10	:	:	PUNCT
fsr-3324	52	11	baker	baker	PROPN
fsr-3324	52	12	et	et	PROPN
fsr-3324	52	13	al	al	PROPN
fsr-3324	52	14	.	.	PROPN
fsr-3324	53	1	(	(	PUNCT
fsr-3324	53	2	2007	2007	NUM
fsr-3324	53	3	)	)	PUNCT
fsr-3324	53	4	found	find	VERB
fsr-3324	53	5	that	that	SCONJ
fsr-3324	53	6	more	more	ADJ
fsr-3324	53	7	money	money	NOUN
fsr-3324	53	8	was	be	AUX
fsr-3324	53	9	spent	spend	VERB
fsr-3324	53	10	from	from	ADP
fsr-3324	53	11	likely	likely	ADJ
fsr-3324	53	12	recurring	recur	VERB
fsr-3324	53	13	income	income	NOUN
fsr-3324	53	14	(	(	PUNCT
fsr-3324	53	15	dividends	dividend	NOUN
fsr-3324	53	16	)	)	PUNCT
fsr-3324	53	17	than	than	ADP
fsr-3324	53	18	less	less	ADV
fsr-3324	53	19	regular	regular	ADJ
fsr-3324	53	20	capital	capital	NOUN
fsr-3324	53	21	gain	gain	NOUN
fsr-3324	53	22	income	income	NOUN
fsr-3324	53	23	.	.	PUNCT
fsr-3324	54	1	epley	epley	PROPN
fsr-3324	54	2	et	et	PROPN
fsr-3324	54	3	al	al	PROPN
fsr-3324	54	4	.	.	PROPN
fsr-3324	54	5	(	(	PUNCT
fsr-3324	54	6	2006	2006	NUM
fsr-3324	54	7	)	)	PUNCT
fsr-3324	54	8	found	find	VERB
fsr-3324	54	9	that	that	SCONJ
fsr-3324	54	10	people	people	NOUN
fsr-3324	54	11	spent	spend	VERB
fsr-3324	54	12	more	more	ADJ
fsr-3324	54	13	from	from	ADP
fsr-3324	54	14	an	an	DET
fsr-3324	54	15	income	income	NOUN
fsr-3324	54	16	source	source	NOUN
fsr-3324	54	17	labeled	label	VERB
fsr-3324	54	18	“	"	PUNCT
fsr-3324	54	19	bonus	bonus	NOUN
fsr-3324	54	20	”	"	PUNCT
fsr-3324	54	21	than	than	SCONJ
fsr-3324	54	22	they	they	PRON
fsr-3324	54	23	did	do	VERB
fsr-3324	54	24	of	of	ADP
fsr-3324	54	25	a	a	DET
fsr-3324	54	26	“	"	PUNCT
fsr-3324	54	27	rebate	rebate	NOUN
fsr-3324	54	28	”	"	PUNCT
fsr-3324	54	29	of	of	ADP
fsr-3324	54	30	the	the	DET
fsr-3324	54	31	same	same	ADJ
fsr-3324	54	32	amount	amount	NOUN
fsr-3324	54	33	and	and	CCONJ
fsr-3324	54	34	timing	timing	NOUN
fsr-3324	54	35	.	.	PUNCT
fsr-3324	55	1	similarly	similarly	ADV
fsr-3324	55	2	,	,	PUNCT
fsr-3324	55	3	shefrin	shefrin	NOUN
fsr-3324	55	4	and	and	CCONJ
fsr-3324	55	5	thaler	thaler	NOUN
fsr-3324	55	6	(	(	PUNCT
fsr-3324	55	7	1988	1988	NUM
fsr-3324	55	8	)	)	PUNCT
fsr-3324	55	9	found	find	VERB
fsr-3324	55	10	that	that	SCONJ
fsr-3324	55	11	more	more	ADJ
fsr-3324	55	12	of	of	ADP
fsr-3324	55	13	a	a	DET
fsr-3324	55	14	lump	lump	NOUN
fsr-3324	55	15	sum	sum	NOUN
fsr-3324	55	16	bonus	bonus	NOUN
fsr-3324	55	17	is	be	AUX
fsr-3324	55	18	saved	save	VERB
fsr-3324	55	19	than	than	SCONJ
fsr-3324	55	20	if	if	SCONJ
fsr-3324	55	21	the	the	DET
fsr-3324	55	22	same	same	ADJ
fsr-3324	55	23	amount	amount	NOUN
fsr-3324	55	24	increases	increase	VERB
fsr-3324	55	25	regular	regular	ADJ
fsr-3324	55	26	income	income	NOUN
fsr-3324	55	27	,	,	PUNCT
fsr-3324	55	28	even	even	ADV
fsr-3324	55	29	when	when	SCONJ
fsr-3324	55	30	the	the	DET
fsr-3324	55	31	bonus	bonus	NOUN
fsr-3324	55	32	is	be	AUX
fsr-3324	55	33	fully	fully	ADV
fsr-3324	55	34	anticipated	anticipate	VERB
fsr-3324	55	35	.	.	PUNCT
fsr-3324	56	1	meekin	meekin	NOUN
fsr-3324	56	2	et	et	PROPN
fsr-3324	56	3	al	al	PROPN
fsr-3324	56	4	.	.	PROPN
fsr-3324	57	1	(	(	PUNCT
fsr-3324	57	2	2015	2015	NUM
fsr-3324	57	3	)	)	PUNCT
fsr-3324	57	4	found	find	VERB
fsr-3324	57	5	that	that	SCONJ
fsr-3324	57	6	nearly	nearly	ADV
fsr-3324	57	7	four	four	NUM
fsr-3324	57	8	in	in	ADP
fsr-3324	57	9	10	10	NUM
fsr-3324	57	10	recipients	recipient	NOUN
fsr-3324	57	11	of	of	ADP
fsr-3324	57	12	a	a	DET
fsr-3324	57	13	tax	tax	NOUN
fsr-3324	57	14	refund	refund	NOUN
fsr-3324	57	15	initially	initially	ADV
fsr-3324	57	16	save	save	VERB
fsr-3324	57	17	it	it	PRON
fsr-3324	57	18	,	,	PUNCT
fsr-3324	57	19	with	with	ADP
fsr-3324	57	20	about	about	ADV
fsr-3324	57	21	one	one	NUM
fsr-3324	57	22	in	in	ADP
fsr-3324	57	23	five	five	NUM
fsr-3324	57	24	taxpayers	taxpayer	NOUN
fsr-3324	57	25	receiving	receive	VERB
fsr-3324	57	26	the	the	DET
fsr-3324	57	27	earned	earn	VERB
fsr-3324	57	28	income	income	NOUN
fsr-3324	57	29	tax	tax	NOUN
fsr-3324	57	30	credit	credit	NOUN
fsr-3324	57	31	for	for	ADP
fsr-3324	57	32	working	work	VERB
fsr-3324	57	33	families	family	NOUN
fsr-3324	57	34	.	.	PUNCT
fsr-3324	58	1	this	this	DET
fsr-3324	58	2	refund	refund	NOUN
fsr-3324	58	3	is	be	AUX
fsr-3324	58	4	large	large	ADJ
fsr-3324	58	5	for	for	ADP
fsr-3324	58	6	low	low	ADJ
fsr-3324	58	7	-	-	PUNCT
fsr-3324	58	8	income	income	NOUN
fsr-3324	58	9	families	family	NOUN
fsr-3324	58	10	,	,	PUNCT
fsr-3324	58	11	and	and	CCONJ
fsr-3324	58	12	sometimes	sometimes	ADV
fsr-3324	58	13	exceeds	exceed	VERB
fsr-3324	58	14	the	the	DET
fsr-3324	58	15	amount	amount	NOUN
fsr-3324	58	16	of	of	ADP
fsr-3324	58	17	federal	federal	ADJ
fsr-3324	58	18	income	income	NOUN
fsr-3324	58	19	taxes	taxis	NOUN
fsr-3324	58	20	withheld	withhold	VERB
fsr-3324	58	21	,	,	PUNCT
fsr-3324	58	22	but	but	CCONJ
fsr-3324	58	23	families	family	NOUN
fsr-3324	58	24	view	view	VERB
fsr-3324	58	25	it	it	PRON
fsr-3324	58	26	as	as	SCONJ
fsr-3324	58	27	“	"	PUNCT
fsr-3324	58	28	earned	earn	VERB
fsr-3324	58	29	,	,	PUNCT
fsr-3324	58	30	”	"	PUNCT
fsr-3324	58	31	just	just	ADV
fsr-3324	58	32	as	as	ADP
fsr-3324	58	33	the	the	DET
fsr-3324	58	34	name	name	NOUN
fsr-3324	58	35	of	of	ADP
fsr-3324	58	36	the	the	DET
fsr-3324	58	37	credit	credit	NOUN
fsr-3324	58	38	states	state	NOUN
fsr-3324	58	39	.	.	PUNCT
fsr-3324	59	1	those	those	DET
fsr-3324	59	2	families	family	NOUN
fsr-3324	59	3	anticipate	anticipate	VERB
fsr-3324	59	4	it	it	PRON
fsr-3324	59	5	and	and	CCONJ
fsr-3324	59	6	intend	intend	VERB
fsr-3324	59	7	to	to	PART
fsr-3324	59	8	save	save	VERB
fsr-3324	59	9	about	about	ADV
fsr-3324	59	10	17	17	NUM
fsr-3324	59	11	%	%	NOUN
fsr-3324	59	12	of	of	ADP
fsr-3324	59	13	it	it	PRON
fsr-3324	59	14	“	"	PUNCT
fsr-3324	59	15	to	to	PART
fsr-3324	59	16	get	get	VERB
fsr-3324	59	17	ahead	ahead	ADV
fsr-3324	59	18	.	.	PUNCT
fsr-3324	59	19	”	"	PUNCT
fsr-3324	60	1	where	where	SCONJ
fsr-3324	60	2	the	the	DET
fsr-3324	60	3	refund	refund	NOUN
fsr-3324	60	4	is	be	AUX
fsr-3324	60	5	spent	spend	VERB
fsr-3324	60	6	on	on	ADP
fsr-3324	60	7	everyday	everyday	ADJ
fsr-3324	60	8	expenses	expense	NOUN
fsr-3324	60	9	,	,	PUNCT
fsr-3324	60	10	it	it	PRON
fsr-3324	60	11	tends	tend	VERB
fsr-3324	60	12	to	to	PART
fsr-3324	60	13	be	be	AUX
fsr-3324	60	14	spent	spend	VERB
fsr-3324	60	15	on	on	ADP
fsr-3324	60	16	bills	bill	NOUN
fsr-3324	60	17	that	that	PRON
fsr-3324	60	18	are	be	AUX
fsr-3324	60	19	past	past	ADJ
fsr-3324	60	20	due	due	ADJ
fsr-3324	60	21	.	.	PUNCT
fsr-3324	61	1	tax	tax	NOUN
fsr-3324	61	2	refunds	refund	NOUN
fsr-3324	61	3	saved	save	VERB
fsr-3324	61	4	are	be	AUX
fsr-3324	61	5	frequently	frequently	ADV
fsr-3324	61	6	used	use	VERB
fsr-3324	61	7	to	to	PART
fsr-3324	61	8	pay	pay	VERB
fsr-3324	61	9	down	down	ADP
fsr-3324	61	10	debt	debt	NOUN
fsr-3324	61	11	that	that	PRON
fsr-3324	61	12	can	can	AUX
fsr-3324	61	13	not	not	PART
fsr-3324	61	14	be	be	AUX
fsr-3324	61	15	paid	pay	VERB
fsr-3324	61	16	down	down	ADP
fsr-3324	61	17	through	through	ADP
fsr-3324	61	18	ordinary	ordinary	ADJ
fsr-3324	61	19	income	income	NOUN
fsr-3324	61	20	.	.	PUNCT
fsr-3324	62	1	meekin	meekin	NOUN
fsr-3324	62	2	et	et	PROPN
fsr-3324	62	3	al	al	PROPN
fsr-3324	62	4	.	.	PROPN
fsr-3324	63	1	(	(	PUNCT
fsr-3324	63	2	2015	2015	NUM
fsr-3324	63	3	)	)	PUNCT
fsr-3324	63	4	further	far	ADV
fsr-3324	63	5	estimated	estimate	VERB
fsr-3324	63	6	that	that	SCONJ
fsr-3324	63	7	21	21	NUM
fsr-3324	63	8	%	%	NOUN
fsr-3324	63	9	of	of	ADP
fsr-3324	63	10	the	the	DET
fsr-3324	63	11	refund	refund	NOUN
fsr-3324	63	12	is	be	AUX
fsr-3324	63	13	devoted	devote	VERB
fsr-3324	63	14	to	to	ADP
fsr-3324	63	15	293v	293v	PROPN
fsr-3324	63	16	.	.	PUNCT
fsr-3324	64	1	chambers	chamber	NOUN
fsr-3324	64	2	et	et	PROPN
fsr-3324	64	3	al	al	PROPN
fsr-3324	64	4	.	.	PUNCT
fsr-3324	64	5	/	/	SYM
fsr-3324	64	6	financial	financial	ADJ
fsr-3324	64	7	services	service	NOUN
fsr-3324	64	8	review	review	VERB
fsr-3324	64	9	26	26	NUM
fsr-3324	64	10	(	(	PUNCT
fsr-3324	64	11	2017	2017	NUM
fsr-3324	64	12	)	)	PUNCT
fsr-3324	64	13	291–313	291–313	NUM
fsr-3324	64	14	expenditures	expenditure	NOUN
fsr-3324	64	15	like	like	ADP
fsr-3324	64	16	education	education	NOUN
fsr-3324	64	17	,	,	PUNCT
fsr-3324	64	18	home	home	NOUN
fsr-3324	64	19	repairs	repair	NOUN
fsr-3324	64	20	,	,	PUNCT
fsr-3324	64	21	purchasing	purchase	VERB
fsr-3324	64	22	or	or	CCONJ
fsr-3324	64	23	repairing	repair	VERB
fsr-3324	64	24	a	a	DET
fsr-3324	64	25	car	car	NOUN
fsr-3324	64	26	,	,	PUNCT
fsr-3324	64	27	or	or	CCONJ
fsr-3324	64	28	buying	buy	VERB
fsr-3324	64	29	a	a	DET
fsr-3324	64	30	durable	durable	ADJ
fsr-3324	64	31	good	good	NOUN
fsr-3324	64	32	like	like	ADP
fsr-3324	64	33	a	a	DET
fsr-3324	64	34	freezer	freezer	NOUN
fsr-3324	64	35	that	that	PRON
fsr-3324	64	36	will	will	AUX
fsr-3324	64	37	produce	produce	VERB
fsr-3324	64	38	savings	saving	NOUN
fsr-3324	64	39	on	on	ADP
fsr-3324	64	40	expenses	expense	NOUN
fsr-3324	64	41	over	over	ADP
fsr-3324	64	42	future	future	ADJ
fsr-3324	64	43	periods	period	NOUN
fsr-3324	64	44	.	.	PUNCT
fsr-3324	65	1	2.3	2.3	NUM
fsr-3324	65	2	.	.	PUNCT
fsr-3324	66	1	earning	earn	VERB
fsr-3324	66	2	whether	whether	SCONJ
fsr-3324	66	3	income	income	NOUN
fsr-3324	66	4	is	be	AUX
fsr-3324	66	5	perceived	perceive	VERB
fsr-3324	66	6	as	as	SCONJ
fsr-3324	66	7	earned	earn	VERB
fsr-3324	66	8	may	may	AUX
fsr-3324	66	9	affect	affect	VERB
fsr-3324	66	10	responses	response	NOUN
fsr-3324	66	11	.	.	PUNCT
fsr-3324	67	1	boylan	boylan	PROPN
fsr-3324	67	2	(	(	PUNCT
fsr-3324	67	3	2010	2010	NUM
fsr-3324	67	4	)	)	PUNCT
fsr-3324	67	5	found	find	VERB
fsr-3324	67	6	that	that	SCONJ
fsr-3324	67	7	compliance	compliance	NOUN
fsr-3324	67	8	with	with	ADP
fsr-3324	67	9	the	the	DET
fsr-3324	67	10	tax	tax	NOUN
fsr-3324	67	11	system	system	NOUN
fsr-3324	67	12	is	be	AUX
fsr-3324	67	13	influenced	influence	VERB
fsr-3324	67	14	by	by	ADP
fsr-3324	67	15	whether	whether	SCONJ
fsr-3324	67	16	taxable	taxable	ADJ
fsr-3324	67	17	income	income	NOUN
fsr-3324	67	18	is	be	AUX
fsr-3324	67	19	earned	earn	VERB
fsr-3324	67	20	or	or	CCONJ
fsr-3324	67	21	endowed	endow	VERB
fsr-3324	67	22	.	.	PUNCT
fsr-3324	68	1	epley	epley	PROPN
fsr-3324	68	2	and	and	CCONJ
fsr-3324	68	3	gneezy	gneezy	PROPN
fsr-3324	68	4	(	(	PUNCT
fsr-3324	68	5	2007	2007	NUM
fsr-3324	68	6	)	)	PUNCT
fsr-3324	68	7	reported	report	VERB
fsr-3324	68	8	that	that	SCONJ
fsr-3324	68	9	a	a	DET
fsr-3324	68	10	windfall	windfall	NOUN
fsr-3324	68	11	that	that	PRON
fsr-3324	68	12	positively	positively	ADV
fsr-3324	68	13	deviates	deviate	VERB
fsr-3324	68	14	from	from	ADP
fsr-3324	68	15	the	the	DET
fsr-3324	68	16	status	status	NOUN
fsr-3324	68	17	quo	quo	NOUN
fsr-3324	68	18	,	,	PUNCT
fsr-3324	68	19	like	like	ADP
fsr-3324	68	20	a	a	DET
fsr-3324	68	21	bonus	bonus	NOUN
fsr-3324	68	22	,	,	PUNCT
fsr-3324	68	23	is	be	AUX
fsr-3324	68	24	more	more	ADV
fsr-3324	68	25	likely	likely	ADV
fsr-3324	68	26	spent	spend	VERB
fsr-3324	68	27	than	than	ADP
fsr-3324	68	28	a	a	DET
fsr-3324	68	29	windfall	windfall	NOUN
fsr-3324	68	30	that	that	PRON
fsr-3324	68	31	restores	restore	VERB
fsr-3324	68	32	the	the	DET
fsr-3324	68	33	status	status	NOUN
fsr-3324	68	34	quo	quo	NOUN
fsr-3324	68	35	.	.	PUNCT
fsr-3324	69	1	zagorsky	zagorsky	PROPN
fsr-3324	69	2	(	(	PUNCT
fsr-3324	69	3	2013	2013	NUM
fsr-3324	69	4	)	)	PUNCT
fsr-3324	69	5	,	,	PUNCT
fsr-3324	69	6	studied	study	VERB
fsr-3324	69	7	consumption	consumption	NOUN
fsr-3324	69	8	of	of	ADP
fsr-3324	69	9	inherited	inherit	VERB
fsr-3324	69	10	money	money	NOUN
fsr-3324	69	11	and	and	CCONJ
fsr-3324	69	12	found	find	VERB
fsr-3324	69	13	that	that	SCONJ
fsr-3324	69	14	over	over	ADP
fsr-3324	69	15	40	40	NUM
fsr-3324	69	16	%	%	NOUN
fsr-3324	69	17	of	of	ADP
fsr-3324	69	18	those	those	PRON
fsr-3324	69	19	who	who	PRON
fsr-3324	69	20	inherited	inherit	VERB
fsr-3324	69	21	less	less	ADJ
fsr-3324	69	22	than	than	ADP
fsr-3324	69	23	$	$	SYM
fsr-3324	69	24	1,000	1,000	NUM
fsr-3324	69	25	spent	spend	VERB
fsr-3324	69	26	their	their	PRON
fsr-3324	69	27	bequest	bequest	NOUN
fsr-3324	69	28	.	.	PUNCT
fsr-3324	70	1	only	only	ADV
fsr-3324	70	2	18.7	18.7	NUM
fsr-3324	70	3	%	%	NOUN
fsr-3324	70	4	of	of	ADP
fsr-3324	70	5	those	those	PRON
fsr-3324	70	6	receiving	receive	VERB
fsr-3324	70	7	$	$	SYM
fsr-3324	70	8	100,000	100,000	NUM
fsr-3324	70	9	or	or	CCONJ
fsr-3324	70	10	more	more	ADJ
fsr-3324	70	11	spent	spend	VERB
fsr-3324	70	12	it	it	PRON
fsr-3324	70	13	all	all	PRON
fsr-3324	70	14	.	.	PUNCT
fsr-3324	71	1	in	in	ADV
fsr-3324	71	2	all	all	PRON
fsr-3324	71	3	,	,	PUNCT
fsr-3324	71	4	this	this	DET
fsr-3324	71	5	research	research	NOUN
fsr-3324	71	6	indicates	indicate	VERB
fsr-3324	71	7	that	that	SCONJ
fsr-3324	71	8	only	only	ADV
fsr-3324	71	9	about	about	ADV
fsr-3324	71	10	one	one	NUM
fsr-3324	71	11	half	half	NOUN
fsr-3324	71	12	of	of	ADP
fsr-3324	71	13	inherited	inherit	VERB
fsr-3324	71	14	money	money	NOUN
fsr-3324	71	15	was	be	AUX
fsr-3324	71	16	retained	retain	VERB
fsr-3324	71	17	,	,	PUNCT
fsr-3324	71	18	the	the	DET
fsr-3324	71	19	remainder	remainder	NOUN
fsr-3324	71	20	was	be	AUX
fsr-3324	71	21	reduced	reduce	VERB
fsr-3324	71	22	by	by	ADP
fsr-3324	71	23	capital	capital	NOUN
fsr-3324	71	24	losses	loss	NOUN
fsr-3324	71	25	or	or	CCONJ
fsr-3324	71	26	is	be	AUX
fsr-3324	71	27	spent	spend	VERB
fsr-3324	71	28	.	.	PUNCT
fsr-3324	72	1	agarwal	agarwal	PROPN
fsr-3324	72	2	and	and	CCONJ
fsr-3324	72	3	qian	qian	PROPN
fsr-3324	72	4	(	(	PUNCT
fsr-3324	72	5	2013	2013	NUM
fsr-3324	72	6	)	)	PUNCT
fsr-3324	72	7	studied	study	VERB
fsr-3324	72	8	how	how	SCONJ
fsr-3324	72	9	consumers	consumer	NOUN
fsr-3324	72	10	responded	respond	VERB
fsr-3324	72	11	to	to	ADP
fsr-3324	72	12	an	an	DET
fsr-3324	72	13	exogenous	exogenous	ADJ
fsr-3324	72	14	income	income	NOUN
fsr-3324	72	15	shock	shock	NOUN
fsr-3324	72	16	,	,	PUNCT
fsr-3324	72	17	and	and	CCONJ
fsr-3324	72	18	found	find	VERB
fsr-3324	72	19	that	that	SCONJ
fsr-3324	72	20	consumption	consumption	NOUN
fsr-3324	72	21	rose	rise	VERB
fsr-3324	72	22	significantly	significantly	ADV
fsr-3324	72	23	at	at	ADP
fsr-3324	72	24	the	the	DET
fsr-3324	72	25	rate	rate	NOUN
fsr-3324	72	26	of	of	ADP
fsr-3324	72	27	$	$	SYM
fsr-3324	72	28	0.80	0.80	NUM
fsr-3324	72	29	per	per	ADP
fsr-3324	72	30	$	$	SYM
fsr-3324	72	31	1	1	NUM
fsr-3324	72	32	received	receive	VERB
fsr-3324	72	33	.	.	PUNCT
fsr-3324	73	1	spending	spending	NOUN
fsr-3324	73	2	began	begin	VERB
fsr-3324	73	3	with	with	ADP
fsr-3324	73	4	the	the	DET
fsr-3324	73	5	announcement	announcement	NOUN
fsr-3324	73	6	of	of	ADP
fsr-3324	73	7	the	the	DET
fsr-3324	73	8	income	income	NOUN
fsr-3324	73	9	shock	shock	NOUN
fsr-3324	73	10	.	.	PUNCT
fsr-3324	74	1	low	low	ADJ
fsr-3324	74	2	-	-	PUNCT
fsr-3324	74	3	liquidity	liquidity	NOUN
fsr-3324	74	4	consumers	consumer	NOUN
fsr-3324	74	5	and	and	CCONJ
fsr-3324	74	6	low	low	ADJ
fsr-3324	74	7	-	-	PUNCT
fsr-3324	74	8	credit	credit	NOUN
fsr-3324	74	9	consumers	consumer	NOUN
fsr-3324	74	10	consumed	consume	VERB
fsr-3324	74	11	more	more	ADJ
fsr-3324	74	12	.	.	PUNCT
fsr-3324	75	1	2.4	2.4	NUM
fsr-3324	75	2	.	.	PUNCT
fsr-3324	75	3	frequency	frequency	NOUN
fsr-3324	75	4	of	of	ADP
fsr-3324	75	5	distribution	distribution	NOUN
fsr-3324	75	6	neoclassical	neoclassical	ADJ
fsr-3324	75	7	economics	economic	NOUN
fsr-3324	75	8	assumes	assume	VERB
fsr-3324	75	9	that	that	SCONJ
fsr-3324	75	10	the	the	DET
fsr-3324	75	11	decision	decision	NOUN
fsr-3324	75	12	to	to	PART
fsr-3324	75	13	spend	spend	VERB
fsr-3324	75	14	,	,	PUNCT
fsr-3324	75	15	and	and	CCONJ
fsr-3324	75	16	how	how	SCONJ
fsr-3324	75	17	to	to	PART
fsr-3324	75	18	spend	spend	VERB
fsr-3324	75	19	one	one	NUM
fsr-3324	75	20	’s	’s	PART
fsr-3324	75	21	income	income	NOUN
fsr-3324	75	22	would	would	AUX
fsr-3324	75	23	not	not	PART
fsr-3324	75	24	depend	depend	VERB
fsr-3324	75	25	on	on	ADP
fsr-3324	75	26	the	the	DET
fsr-3324	75	27	way	way	NOUN
fsr-3324	75	28	in	in	ADP
fsr-3324	75	29	which	which	PRON
fsr-3324	75	30	it	it	PRON
fsr-3324	75	31	is	be	AUX
fsr-3324	75	32	received	receive	VERB
fsr-3324	75	33	.	.	PUNCT
fsr-3324	76	1	yet	yet	ADV
fsr-3324	76	2	,	,	PUNCT
fsr-3324	76	3	the	the	DET
fsr-3324	76	4	difference	difference	NOUN
fsr-3324	76	5	in	in	ADP
fsr-3324	76	6	spending	spend	VERB
fsr-3324	76	7	patterns	pattern	NOUN
fsr-3324	76	8	from	from	ADP
fsr-3324	76	9	a	a	DET
fsr-3324	76	10	limited	limited	ADJ
fsr-3324	76	11	number	number	NOUN
fsr-3324	76	12	of	of	ADP
fsr-3324	76	13	monthly	monthly	ADJ
fsr-3324	76	14	payments	payment	NOUN
fsr-3324	76	15	and	and	CCONJ
fsr-3324	76	16	a	a	DET
fsr-3324	76	17	lump	lump	NOUN
fsr-3324	76	18	-	-	PUNCT
fsr-3324	76	19	sum	sum	NOUN
fsr-3324	76	20	tax	tax	NOUN
fsr-3324	76	21	rebate	rebate	NOUN
fsr-3324	76	22	of	of	ADP
fsr-3324	76	23	the	the	DET
fsr-3324	76	24	same	same	ADJ
fsr-3324	76	25	amount	amount	NOUN
fsr-3324	76	26	is	be	AUX
fsr-3324	76	27	well	well	ADV
fsr-3324	76	28	documented	document	VERB
fsr-3324	76	29	.	.	PUNCT
fsr-3324	77	1	rucker	rucker	PROPN
fsr-3324	77	2	(	(	PUNCT
fsr-3324	77	3	1984	1984	NUM
fsr-3324	77	4	)	)	PUNCT
fsr-3324	77	5	studied	study	VERB
fsr-3324	77	6	the	the	DET
fsr-3324	77	7	retroactive	retroactive	ADJ
fsr-3324	77	8	payment	payment	NOUN
fsr-3324	77	9	of	of	ADP
fsr-3324	77	10	a	a	DET
fsr-3324	77	11	raise	raise	NOUN
fsr-3324	77	12	approved	approve	VERB
fsr-3324	77	13	by	by	ADP
fsr-3324	77	14	a	a	DET
fsr-3324	77	15	university	university	NOUN
fsr-3324	77	16	,	,	PUNCT
fsr-3324	77	17	reversed	reverse	VERB
fsr-3324	77	18	by	by	ADP
fsr-3324	77	19	the	the	DET
fsr-3324	77	20	federal	federal	ADJ
fsr-3324	77	21	pay	pay	NOUN
fsr-3324	77	22	board	board	NOUN
fsr-3324	77	23	but	but	CCONJ
fsr-3324	77	24	reinstated	reinstate	VERB
fsr-3324	77	25	by	by	ADP
fsr-3324	77	26	the	the	DET
fsr-3324	77	27	u.s	u.s	PROPN
fsr-3324	77	28	.	.	PROPN
fsr-3324	77	29	supreme	supreme	PROPN
fsr-3324	77	30	court	court	PROPN
fsr-3324	77	31	.	.	PUNCT
fsr-3324	78	1	the	the	DET
fsr-3324	78	2	size	size	NOUN
fsr-3324	78	3	of	of	ADP
fsr-3324	78	4	the	the	DET
fsr-3324	78	5	windfall	windfall	NOUN
fsr-3324	78	6	was	be	AUX
fsr-3324	78	7	found	find	VERB
fsr-3324	78	8	to	to	PART
fsr-3324	78	9	be	be	AUX
fsr-3324	78	10	the	the	DET
fsr-3324	78	11	most	most	ADV
fsr-3324	78	12	important	important	ADJ
fsr-3324	78	13	factor	factor	NOUN
fsr-3324	78	14	for	for	ADP
fsr-3324	78	15	deciding	decide	VERB
fsr-3324	78	16	how	how	SCONJ
fsr-3324	78	17	the	the	DET
fsr-3324	78	18	funds	fund	NOUN
fsr-3324	78	19	were	be	AUX
fsr-3324	78	20	spent	spend	VERB
fsr-3324	78	21	,	,	PUNCT
fsr-3324	78	22	with	with	ADP
fsr-3324	78	23	smaller	small	ADJ
fsr-3324	78	24	checks	check	NOUN
fsr-3324	78	25	more	more	ADV
fsr-3324	78	26	likely	likely	ADJ
fsr-3324	78	27	to	to	PART
fsr-3324	78	28	be	be	AUX
fsr-3324	78	29	consumed	consume	VERB
fsr-3324	78	30	.	.	PUNCT
fsr-3324	79	1	in	in	ADP
fsr-3324	79	2	addition	addition	NOUN
fsr-3324	79	3	,	,	PUNCT
fsr-3324	79	4	the	the	DET
fsr-3324	79	5	length	length	NOUN
fsr-3324	79	6	of	of	ADP
fsr-3324	79	7	time	time	NOUN
fsr-3324	79	8	that	that	PRON
fsr-3324	79	9	the	the	DET
fsr-3324	79	10	recipient	recipient	NOUN
fsr-3324	79	11	had	have	VERB
fsr-3324	79	12	to	to	PART
fsr-3324	79	13	anticipate	anticipate	VERB
fsr-3324	79	14	the	the	DET
fsr-3324	79	15	receipt	receipt	NOUN
fsr-3324	79	16	of	of	ADP
fsr-3324	79	17	the	the	DET
fsr-3324	79	18	funds	fund	NOUN
fsr-3324	79	19	also	also	ADV
fsr-3324	79	20	influenced	influence	VERB
fsr-3324	79	21	the	the	DET
fsr-3324	79	22	use	use	NOUN
fsr-3324	79	23	of	of	ADP
fsr-3324	79	24	the	the	DET
fsr-3324	79	25	money	money	NOUN
fsr-3324	79	26	.	.	PUNCT
fsr-3324	80	1	the	the	DET
fsr-3324	80	2	shorter	short	ADJ
fsr-3324	80	3	the	the	DET
fsr-3324	80	4	time	time	NOUN
fsr-3324	80	5	before	before	SCONJ
fsr-3324	80	6	the	the	DET
fsr-3324	80	7	receipt	receipt	NOUN
fsr-3324	80	8	of	of	ADP
fsr-3324	80	9	the	the	DET
fsr-3324	80	10	money	money	NOUN
fsr-3324	80	11	was	be	AUX
fsr-3324	80	12	anticipated	anticipate	VERB
fsr-3324	80	13	,	,	PUNCT
fsr-3324	80	14	the	the	PRON
fsr-3324	80	15	more	more	ADV
fsr-3324	80	16	likely	likely	ADJ
fsr-3324	80	17	that	that	SCONJ
fsr-3324	80	18	the	the	DET
fsr-3324	80	19	money	money	NOUN
fsr-3324	80	20	was	be	AUX
fsr-3324	80	21	consumed	consume	VERB
fsr-3324	80	22	.	.	PUNCT
fsr-3324	81	1	karlsson	karlsson	PROPN
fsr-3324	81	2	et	et	PROPN
fsr-3324	81	3	al	al	PROPN
fsr-3324	81	4	.	.	PROPN
fsr-3324	81	5	(	(	PUNCT
fsr-3324	81	6	1999	1999	NUM
fsr-3324	81	7	)	)	PUNCT
fsr-3324	81	8	noted	note	VERB
fsr-3324	81	9	that	that	SCONJ
fsr-3324	81	10	individuals	individual	NOUN
fsr-3324	81	11	considered	consider	VERB
fsr-3324	81	12	the	the	DET
fsr-3324	81	13	future	future	ADJ
fsr-3324	81	14	consequences	consequence	NOUN
fsr-3324	81	15	of	of	ADP
fsr-3324	81	16	spending	spend	VERB
fsr-3324	81	17	in	in	ADP
fsr-3324	81	18	their	their	PRON
fsr-3324	81	19	mental	mental	ADJ
fsr-3324	81	20	budgeting	budgeting	NOUN
fsr-3324	81	21	,	,	PUNCT
fsr-3324	81	22	which	which	PRON
fsr-3324	81	23	may	may	AUX
fsr-3324	81	24	indicate	indicate	VERB
fsr-3324	81	25	a	a	DET
fsr-3324	81	26	contemplation	contemplation	NOUN
fsr-3324	81	27	of	of	ADP
fsr-3324	81	28	permanent	permanent	ADJ
fsr-3324	81	29	income	income	NOUN
fsr-3324	81	30	.	.	PUNCT
fsr-3324	82	1	shapiro	shapiro	PROPN
fsr-3324	82	2	and	and	CCONJ
fsr-3324	82	3	slemrod	slemrod	NOUN
fsr-3324	82	4	(	(	PUNCT
fsr-3324	82	5	1995	1995	NUM
fsr-3324	82	6	)	)	PUNCT
fsr-3324	82	7	found	find	VERB
fsr-3324	82	8	that	that	SCONJ
fsr-3324	82	9	almost	almost	ADV
fsr-3324	82	10	half	half	NOUN
fsr-3324	82	11	of	of	ADP
fsr-3324	82	12	the	the	DET
fsr-3324	82	13	respondents	respondent	NOUN
fsr-3324	82	14	surveyed	survey	VERB
fsr-3324	82	15	would	would	AUX
fsr-3324	82	16	spend	spend	VERB
fsr-3324	82	17	the	the	DET
fsr-3324	82	18	1992	1992	NUM
fsr-3324	82	19	decreased	decrease	VERB
fsr-3324	82	20	tax	tax	NOUN
fsr-3324	82	21	withholding	withholding	NOUN
fsr-3324	82	22	refunded	refunded	ADJ
fsr-3324	82	23	to	to	ADP
fsr-3324	82	24	them	they	PRON
fsr-3324	82	25	,	,	PUNCT
fsr-3324	82	26	even	even	ADV
fsr-3324	82	27	though	though	SCONJ
fsr-3324	82	28	the	the	DET
fsr-3324	82	29	total	total	ADJ
fsr-3324	82	30	yearly	yearly	ADJ
fsr-3324	82	31	tax	tax	NOUN
fsr-3324	82	32	liability	liability	NOUN
fsr-3324	82	33	remained	remain	VERB
fsr-3324	82	34	unchanged	unchanged	ADJ
fsr-3324	82	35	,	,	PUNCT
fsr-3324	82	36	resulting	result	VERB
fsr-3324	82	37	in	in	ADP
fsr-3324	82	38	a	a	DET
fsr-3324	82	39	lower	low	ADJ
fsr-3324	82	40	end	end	NOUN
fsr-3324	82	41	-	-	PUNCT
fsr-3324	82	42	of	of	ADP
fsr-3324	82	43	year	year	NOUN
fsr-3324	82	44	tax	tax	NOUN
fsr-3324	82	45	refund	refund	NOUN
fsr-3324	82	46	.	.	PUNCT
fsr-3324	83	1	however	however	ADV
fsr-3324	83	2	,	,	PUNCT
fsr-3324	83	3	in	in	ADP
fsr-3324	83	4	2001	2001	NUM
fsr-3324	83	5	,	,	PUNCT
fsr-3324	83	6	when	when	SCONJ
fsr-3324	83	7	a	a	DET
fsr-3324	83	8	tax	tax	NOUN
fsr-3324	83	9	cut	cut	NOUN
fsr-3324	83	10	took	take	VERB
fsr-3324	83	11	the	the	DET
fsr-3324	83	12	form	form	NOUN
fsr-3324	83	13	of	of	ADP
fsr-3324	83	14	either	either	CCONJ
fsr-3324	83	15	a	a	DET
fsr-3324	83	16	$	$	SYM
fsr-3324	83	17	300	300	NUM
fsr-3324	83	18	or	or	CCONJ
fsr-3324	83	19	$	$	SYM
fsr-3324	83	20	600	600	NUM
fsr-3324	83	21	lump	lump	NOUN
fsr-3324	83	22	-	-	PUNCT
fsr-3324	83	23	sum	sum	NOUN
fsr-3324	83	24	rebate	rebate	NOUN
fsr-3324	83	25	,	,	PUNCT
fsr-3324	83	26	only	only	ADV
fsr-3324	83	27	about	about	ADV
fsr-3324	83	28	one	one	NUM
fsr-3324	83	29	-	-	PUNCT
fsr-3324	83	30	fourth	fourth	NOUN
fsr-3324	83	31	of	of	ADP
fsr-3324	83	32	those	those	PRON
fsr-3324	83	33	surveyed	survey	VERB
fsr-3324	83	34	expected	expect	VERB
fsr-3324	83	35	to	to	PART
fsr-3324	83	36	spend	spend	VERB
fsr-3324	83	37	the	the	DET
fsr-3324	83	38	payment	payment	NOUN
fsr-3324	83	39	(	(	PUNCT
fsr-3324	83	40	shapiro	shapiro	PROPN
fsr-3324	83	41	&	&	CCONJ
fsr-3324	83	42	slemrod	slemrod	PROPN
fsr-3324	83	43	,	,	PUNCT
fsr-3324	83	44	2003	2003	NUM
fsr-3324	83	45	)	)	PUNCT
fsr-3324	83	46	.	.	PUNCT
fsr-3324	84	1	slemrod	slemrod	NOUN
fsr-3324	84	2	and	and	CCONJ
fsr-3324	84	3	bakija	bakija	NOUN
fsr-3324	84	4	(	(	PUNCT
fsr-3324	84	5	2004	2004	NUM
fsr-3324	84	6	)	)	PUNCT
fsr-3324	84	7	attributed	attribute	VERB
fsr-3324	84	8	the	the	DET
fsr-3324	84	9	change	change	NOUN
fsr-3324	84	10	in	in	ADP
fsr-3324	84	11	behavior	behavior	NOUN
fsr-3324	84	12	of	of	ADP
fsr-3324	84	13	taxpayers	taxpayer	NOUN
fsr-3324	84	14	between	between	ADP
fsr-3324	84	15	the	the	DET
fsr-3324	84	16	differently	differently	ADV
fsr-3324	84	17	distributed	distribute	VERB
fsr-3324	84	18	rebates	rebate	NOUN
fsr-3324	84	19	to	to	ADP
fsr-3324	84	20	changes	change	NOUN
fsr-3324	84	21	in	in	ADP
fsr-3324	84	22	economic	economic	ADJ
fsr-3324	84	23	conditions	condition	NOUN
fsr-3324	84	24	.	.	PUNCT
fsr-3324	85	1	however	however	ADV
fsr-3324	85	2	,	,	PUNCT
fsr-3324	85	3	applying	apply	VERB
fsr-3324	85	4	thaler	thaler	NOUN
fsr-3324	85	5	’s	’s	PART
fsr-3324	85	6	(	(	PUNCT
fsr-3324	85	7	1999	1999	NUM
fsr-3324	85	8	)	)	PUNCT
fsr-3324	85	9	mental	mental	ADJ
fsr-3324	85	10	accounting	accounting	NOUN
fsr-3324	85	11	theory	theory	NOUN
fsr-3324	85	12	,	,	PUNCT
fsr-3324	85	13	chambers	chamber	NOUN
fsr-3324	85	14	and	and	CCONJ
fsr-3324	85	15	spencer	spencer	PROPN
fsr-3324	85	16	(	(	PUNCT
fsr-3324	85	17	2008	2008	NUM
fsr-3324	85	18	)	)	PUNCT
fsr-3324	85	19	found	find	VERB
fsr-3324	85	20	that	that	SCONJ
fsr-3324	85	21	the	the	DET
fsr-3324	85	22	timing	timing	NOUN
fsr-3324	85	23	of	of	ADP
fsr-3324	85	24	payments	payment	NOUN
fsr-3324	85	25	(	(	PUNCT
fsr-3324	85	26	whether	whether	SCONJ
fsr-3324	85	27	paid	pay	VERB
fsr-3324	85	28	as	as	ADP
fsr-3324	85	29	a	a	DET
fsr-3324	85	30	lump	lump	NOUN
fsr-3324	85	31	-	-	PUNCT
fsr-3324	85	32	sum	sum	NOUN
fsr-3324	85	33	,	,	PUNCT
fsr-3324	85	34	or	or	CCONJ
fsr-3324	85	35	spread	spread	VERB
fsr-3324	85	36	out	out	ADP
fsr-3324	85	37	in	in	ADP
fsr-3324	85	38	equal	equal	ADJ
fsr-3324	85	39	monthly	monthly	ADJ
fsr-3324	85	40	installments	installment	NOUN
fsr-3324	85	41	for	for	ADP
fsr-3324	85	42	a	a	DET
fsr-3324	85	43	year	year	NOUN
fsr-3324	85	44	)	)	PUNCT
fsr-3324	85	45	mattered	matter	VERB
fsr-3324	85	46	.	.	PUNCT
fsr-3324	86	1	sahm	sahm	PROPN
fsr-3324	86	2	et	et	PROPN
fsr-3324	86	3	al	al	PROPN
fsr-3324	86	4	.	.	PROPN
fsr-3324	86	5	(	(	PUNCT
fsr-3324	86	6	2012	2012	NUM
fsr-3324	86	7	)	)	PUNCT
fsr-3324	86	8	,	,	PUNCT
fsr-3324	86	9	confirmed	confirm	VERB
fsr-3324	86	10	this	this	DET
fsr-3324	86	11	finding	finding	NOUN
fsr-3324	86	12	.	.	PUNCT
fsr-3324	87	1	294	294	NUM
fsr-3324	87	2	v.	v.	ADP
fsr-3324	87	3	chambers	chamber	NOUN
fsr-3324	87	4	et	et	PROPN
fsr-3324	87	5	al	al	PROPN
fsr-3324	87	6	.	.	PUNCT
fsr-3324	87	7	/	/	SYM
fsr-3324	87	8	financial	financial	ADJ
fsr-3324	87	9	services	service	NOUN
fsr-3324	87	10	review	review	VERB
fsr-3324	87	11	26	26	NUM
fsr-3324	87	12	(	(	PUNCT
fsr-3324	87	13	2017	2017	NUM
fsr-3324	87	14	)	)	PUNCT
fsr-3324	88	1	291–313	291–313	NUM
fsr-3324	88	2	2.5	2.5	NUM
fsr-3324	88	3	.	.	PUNCT
fsr-3324	89	1	permanence	permanence	NOUN
fsr-3324	89	2	of	of	ADP
fsr-3324	89	3	distribution	distribution	NOUN
fsr-3324	89	4	neoclassical	neoclassical	ADJ
fsr-3324	89	5	economics	economic	NOUN
fsr-3324	89	6	tells	tell	VERB
fsr-3324	89	7	us	we	PRON
fsr-3324	89	8	that	that	SCONJ
fsr-3324	89	9	neither	neither	CCONJ
fsr-3324	89	10	the	the	DET
fsr-3324	89	11	marginal	marginal	ADJ
fsr-3324	89	12	cost	cost	NOUN
fsr-3324	89	13	nor	nor	CCONJ
fsr-3324	89	14	the	the	DET
fsr-3324	89	15	marginal	marginal	ADJ
fsr-3324	89	16	benefit	benefit	NOUN
fsr-3324	89	17	of	of	ADP
fsr-3324	89	18	a	a	DET
fsr-3324	89	19	purchase	purchase	NOUN
fsr-3324	89	20	is	be	AUX
fsr-3324	89	21	dependent	dependent	ADJ
fsr-3324	89	22	on	on	ADP
fsr-3324	89	23	the	the	DET
fsr-3324	89	24	source	source	NOUN
fsr-3324	89	25	of	of	ADP
fsr-3324	89	26	the	the	DET
fsr-3324	89	27	income	income	NOUN
fsr-3324	89	28	from	from	ADP
fsr-3324	89	29	which	which	PRON
fsr-3324	89	30	it	it	PRON
fsr-3324	89	31	is	be	AUX
fsr-3324	89	32	spent	spend	VERB
fsr-3324	89	33	.	.	PUNCT
fsr-3324	90	1	however	however	ADV
fsr-3324	90	2	,	,	PUNCT
fsr-3324	90	3	the	the	DET
fsr-3324	90	4	permanence	permanence	NOUN
fsr-3324	90	5	of	of	ADP
fsr-3324	90	6	payments	payment	NOUN
fsr-3324	90	7	may	may	AUX
fsr-3324	90	8	be	be	AUX
fsr-3324	90	9	a	a	DET
fsr-3324	90	10	factor	factor	NOUN
fsr-3324	90	11	in	in	ADP
fsr-3324	90	12	how	how	SCONJ
fsr-3324	90	13	much	much	ADJ
fsr-3324	90	14	people	people	NOUN
fsr-3324	90	15	choose	choose	VERB
fsr-3324	90	16	to	to	PART
fsr-3324	90	17	save	save	VERB
fsr-3324	90	18	.	.	PUNCT
fsr-3324	91	1	blinder	blinder	NOUN
fsr-3324	91	2	(	(	PUNCT
fsr-3324	91	3	1981	1981	NUM
fsr-3324	91	4	)	)	PUNCT
fsr-3324	91	5	posited	posit	VERB
fsr-3324	91	6	that	that	SCONJ
fsr-3324	91	7	a	a	DET
fsr-3324	91	8	permanent	permanent	ADJ
fsr-3324	91	9	tax	tax	NOUN
fsr-3324	91	10	decrease	decrease	NOUN
fsr-3324	91	11	would	would	AUX
fsr-3324	91	12	elicit	elicit	VERB
fsr-3324	91	13	more	more	ADJ
fsr-3324	91	14	spending	spending	NOUN
fsr-3324	91	15	than	than	ADP
fsr-3324	91	16	a	a	DET
fsr-3324	91	17	temporary	temporary	ADJ
fsr-3324	91	18	tax	tax	NOUN
fsr-3324	91	19	rebate	rebate	NOUN
fsr-3324	91	20	,	,	PUNCT
fsr-3324	91	21	which	which	PRON
fsr-3324	91	22	he	he	PRON
fsr-3324	91	23	surmised	surmise	VERB
fsr-3324	91	24	would	would	AUX
fsr-3324	91	25	be	be	AUX
fsr-3324	91	26	treated	treat	VERB
fsr-3324	91	27	as	as	ADP
fsr-3324	91	28	one	one	NUM
fsr-3324	91	29	half	half	NOUN
fsr-3324	91	30	from	from	ADP
fsr-3324	91	31	a	a	DET
fsr-3324	91	32	normal	normal	ADJ
fsr-3324	91	33	income	income	NOUN
fsr-3324	91	34	tax	tax	NOUN
fsr-3324	91	35	change	change	NOUN
fsr-3324	91	36	and	and	CCONJ
fsr-3324	91	37	the	the	DET
fsr-3324	91	38	other	other	ADJ
fsr-3324	91	39	half	half	NOUN
fsr-3324	91	40	from	from	ADP
fsr-3324	91	41	a	a	DET
fsr-3324	91	42	windfall	windfall	NOUN
fsr-3324	91	43	.	.	PUNCT
fsr-3324	92	1	parker	parker	PROPN
fsr-3324	92	2	(	(	PUNCT
fsr-3324	92	3	1999	1999	NUM
fsr-3324	92	4	)	)	PUNCT
fsr-3324	92	5	studied	study	VERB
fsr-3324	92	6	tax	tax	NOUN
fsr-3324	92	7	cuts	cut	NOUN
fsr-3324	92	8	,	,	PUNCT
fsr-3324	92	9	finding	find	VERB
fsr-3324	92	10	that	that	SCONJ
fsr-3324	92	11	a	a	DET
fsr-3324	92	12	temporary	temporary	ADJ
fsr-3324	92	13	,	,	PUNCT
fsr-3324	92	14	end	end	NOUN
fsr-3324	92	15	-	-	PUNCT
fsr-3324	92	16	of	of	ADP
fsr-3324	92	17	-	-	PUNCT
fsr-3324	92	18	year	year	NOUN
fsr-3324	92	19	reduction	reduction	NOUN
fsr-3324	92	20	in	in	ADP
fsr-3324	92	21	social	social	ADJ
fsr-3324	92	22	security	security	NOUN
fsr-3324	92	23	tax	tax	NOUN
fsr-3324	92	24	for	for	ADP
fsr-3324	92	25	high	high	ADJ
fsr-3324	92	26	-	-	PUNCT
fsr-3324	92	27	income	income	NOUN
fsr-3324	92	28	wage	wage	NOUN
fsr-3324	92	29	earners	earner	NOUN
fsr-3324	92	30	was	be	AUX
fsr-3324	92	31	spent	spend	VERB
fsr-3324	92	32	when	when	SCONJ
fsr-3324	92	33	received	receive	VERB
fsr-3324	92	34	,	,	PUNCT
fsr-3324	92	35	not	not	PART
fsr-3324	92	36	averaged	average	VERB
fsr-3324	92	37	evenly	evenly	ADV
fsr-3324	92	38	over	over	ADP
fsr-3324	92	39	the	the	DET
fsr-3324	92	40	fiscal	fiscal	ADJ
fsr-3324	92	41	year	year	NOUN
fsr-3324	92	42	.	.	PUNCT
fsr-3324	93	1	friedman	friedman	PROPN
fsr-3324	93	2	’s	’s	PART
fsr-3324	93	3	(	(	PUNCT
fsr-3324	93	4	1957	1957	NUM
fsr-3324	93	5	)	)	PUNCT
fsr-3324	93	6	permanent	permanent	ADJ
fsr-3324	93	7	income	income	NOUN
fsr-3324	93	8	hypothesis	hypothesis	NOUN
fsr-3324	93	9	says	say	VERB
fsr-3324	93	10	that	that	SCONJ
fsr-3324	93	11	people	people	NOUN
fsr-3324	93	12	will	will	AUX
fsr-3324	93	13	spend	spend	VERB
fsr-3324	93	14	money	money	NOUN
fsr-3324	93	15	consistent	consistent	ADJ
fsr-3324	93	16	with	with	ADP
fsr-3324	93	17	what	what	PRON
fsr-3324	93	18	they	they	PRON
fsr-3324	93	19	believe	believe	VERB
fsr-3324	93	20	to	to	PART
fsr-3324	93	21	be	be	AUX
fsr-3324	93	22	their	their	PRON
fsr-3324	93	23	permanent	permanent	ADJ
fsr-3324	93	24	income	income	NOUN
fsr-3324	93	25	level	level	NOUN
fsr-3324	93	26	,	,	PUNCT
fsr-3324	93	27	but	but	CCONJ
fsr-3324	93	28	stopped	stop	VERB
fsr-3324	93	29	short	short	ADV
fsr-3324	93	30	of	of	ADP
fsr-3324	93	31	examining	examine	VERB
fsr-3324	93	32	the	the	DET
fsr-3324	93	33	source	source	NOUN
fsr-3324	93	34	of	of	ADP
fsr-3324	93	35	the	the	DET
fsr-3324	93	36	income	income	NOUN
fsr-3324	93	37	or	or	CCONJ
fsr-3324	93	38	testing	test	VERB
fsr-3324	93	39	the	the	DET
fsr-3324	93	40	spending	spending	NOUN
fsr-3324	93	41	on	on	ADP
fsr-3324	93	42	amounts	amount	NOUN
fsr-3324	93	43	of	of	ADP
fsr-3324	93	44	limited	limited	ADJ
fsr-3324	93	45	duration	duration	NOUN
fsr-3324	93	46	.	.	PUNCT
fsr-3324	94	1	studies	study	NOUN
fsr-3324	94	2	of	of	ADP
fsr-3324	94	3	unique	unique	ADJ
fsr-3324	94	4	,	,	PUNCT
fsr-3324	94	5	one	one	NUM
fsr-3324	94	6	-	-	PUNCT
fsr-3324	94	7	time	time	NOUN
fsr-3324	94	8	payments	payment	NOUN
fsr-3324	94	9	are	be	AUX
fsr-3324	94	10	rare	rare	ADJ
fsr-3324	94	11	.	.	PUNCT
fsr-3324	95	1	however	however	ADV
fsr-3324	95	2	,	,	PUNCT
fsr-3324	95	3	bodkin	bodkin	X
fsr-3324	95	4	(	(	PUNCT
fsr-3324	95	5	1959	1959	NUM
fsr-3324	95	6	)	)	PUNCT
fsr-3324	95	7	estimated	estimate	VERB
fsr-3324	95	8	the	the	DET
fsr-3324	95	9	marginal	marginal	ADJ
fsr-3324	95	10	propensity	propensity	NOUN
fsr-3324	95	11	to	to	PART
fsr-3324	95	12	consume	consume	VERB
fsr-3324	95	13	to	to	PART
fsr-3324	95	14	be	be	AUX
fsr-3324	95	15	between	between	ADP
fsr-3324	95	16	0.72	0.72	NUM
fsr-3324	95	17	and	and	CCONJ
fsr-3324	95	18	0.97	0.97	NUM
fsr-3324	95	19	of	of	ADP
fsr-3324	95	20	a	a	DET
fsr-3324	95	21	one	one	NUM
fsr-3324	95	22	-	-	PUNCT
fsr-3324	95	23	time	time	NOUN
fsr-3324	95	24	dividend	dividend	NOUN
fsr-3324	95	25	paid	pay	VERB
fsr-3324	95	26	in	in	ADP
fsr-3324	95	27	1950	1950	NUM
fsr-3324	95	28	to	to	ADP
fsr-3324	95	29	world	world	PROPN
fsr-3324	95	30	war	war	PROPN
fsr-3324	95	31	ii	ii	PROPN
fsr-3324	95	32	veterans	veteran	NOUN
fsr-3324	95	33	by	by	ADP
fsr-3324	95	34	the	the	DET
fsr-3324	95	35	national	national	PROPN
fsr-3324	95	36	service	service	PROPN
fsr-3324	95	37	life	life	NOUN
fsr-3324	95	38	insurance	insurance	NOUN
fsr-3324	95	39	.	.	PUNCT
fsr-3324	96	1	the	the	DET
fsr-3324	96	2	payments	payment	NOUN
fsr-3324	96	3	averaged	average	VERB
fsr-3324	96	4	$	$	SYM
fsr-3324	96	5	175	175	NUM
fsr-3324	96	6	,	,	PUNCT
fsr-3324	96	7	roughly	roughly	ADV
fsr-3324	96	8	$	$	SYM
fsr-3324	96	9	1,723.39	1,723.39	NUM
fsr-3324	96	10	in	in	ADP
fsr-3324	96	11	2015	2015	NUM
fsr-3324	96	12	dollars	dollar	NOUN
fsr-3324	96	13	(	(	PUNCT
fsr-3324	96	14	bureau	bureau	NOUN
fsr-3324	96	15	of	of	ADP
fsr-3324	96	16	labor	labor	PROPN
fsr-3324	96	17	statistics	statistic	NOUN
fsr-3324	96	18	,	,	PUNCT
fsr-3324	96	19	2016	2016	NUM
fsr-3324	96	20	)	)	PUNCT
fsr-3324	96	21	.	.	PUNCT
fsr-3324	97	1	similarly	similarly	ADV
fsr-3324	97	2	,	,	PUNCT
fsr-3324	97	3	kreinin	kreinin	PROPN
fsr-3324	97	4	(	(	PUNCT
fsr-3324	97	5	1961	1961	NUM
fsr-3324	97	6	)	)	PUNCT
fsr-3324	97	7	analyzed	analyze	VERB
fsr-3324	97	8	the	the	DET
fsr-3324	97	9	spending	spending	NOUN
fsr-3324	97	10	of	of	ADP
fsr-3324	97	11	a	a	DET
fsr-3324	97	12	sample	sample	NOUN
fsr-3324	97	13	of	of	ADP
fsr-3324	97	14	israeli	israeli	ADJ
fsr-3324	97	15	citizens	citizen	NOUN
fsr-3324	97	16	receiving	receive	VERB
fsr-3324	97	17	restitution	restitution	NOUN
fsr-3324	97	18	payments	payment	NOUN
fsr-3324	97	19	from	from	ADP
fsr-3324	97	20	germany	germany	PROPN
fsr-3324	97	21	in	in	ADP
fsr-3324	97	22	1957	1957	NUM
fsr-3324	97	23	and	and	CCONJ
fsr-3324	97	24	1958	1958	NUM
fsr-3324	97	25	and	and	CCONJ
fsr-3324	97	26	estimated	estimate	VERB
fsr-3324	97	27	that	that	SCONJ
fsr-3324	97	28	35	35	NUM
fsr-3324	97	29	%	%	NOUN
fsr-3324	97	30	was	be	AUX
fsr-3324	97	31	spent	spend	VERB
fsr-3324	97	32	while	while	SCONJ
fsr-3324	97	33	65	65	NUM
fsr-3324	97	34	%	%	NOUN
fsr-3324	97	35	of	of	ADP
fsr-3324	97	36	the	the	DET
fsr-3324	97	37	restitution	restitution	NOUN
fsr-3324	97	38	payment	payment	NOUN
fsr-3324	97	39	was	be	AUX
fsr-3324	97	40	saved	save	VERB
fsr-3324	97	41	,	,	PUNCT
fsr-3324	97	42	with	with	ADP
fsr-3324	97	43	45	45	NUM
fsr-3324	97	44	%	%	NOUN
fsr-3324	97	45	saved	save	VERB
fsr-3324	97	46	in	in	ADP
fsr-3324	97	47	liquid	liquid	ADJ
fsr-3324	97	48	assets	asset	NOUN
fsr-3324	97	49	and	and	CCONJ
fsr-3324	97	50	20	20	NUM
fsr-3324	97	51	%	%	NOUN
fsr-3324	97	52	in	in	ADP
fsr-3324	97	53	real	real	ADJ
fsr-3324	97	54	estate	estate	NOUN
fsr-3324	97	55	(	(	PUNCT
fsr-3324	97	56	kreinen	kreinen	NOUN
fsr-3324	97	57	,	,	PUNCT
fsr-3324	97	58	1961	1961	NUM
fsr-3324	97	59	)	)	PUNCT
fsr-3324	97	60	.	.	PUNCT
fsr-3324	98	1	2.6	2.6	NUM
fsr-3324	98	2	.	.	PUNCT
fsr-3324	98	3	materiality	materiality	NOUN
fsr-3324	98	4	of	of	ADP
fsr-3324	98	5	amount	amount	NOUN
fsr-3324	98	6	chambers	chamber	NOUN
fsr-3324	98	7	et	et	NOUN
fsr-3324	98	8	al	al	PROPN
fsr-3324	98	9	.	.	PROPN
fsr-3324	98	10	(	(	PUNCT
fsr-3324	98	11	2009	2009	NUM
fsr-3324	98	12	)	)	PUNCT
fsr-3324	98	13	studied	study	VERB
fsr-3324	98	14	responses	response	NOUN
fsr-3324	98	15	to	to	ADP
fsr-3324	98	16	small	small	ADJ
fsr-3324	98	17	hypothetical	hypothetical	ADJ
fsr-3324	98	18	tax	tax	NOUN
fsr-3324	98	19	rebates	rebate	NOUN
fsr-3324	98	20	of	of	ADP
fsr-3324	98	21	the	the	DET
fsr-3324	98	22	size	size	NOUN
fsr-3324	98	23	distributed	distribute	VERB
fsr-3324	98	24	in	in	ADP
fsr-3324	98	25	2008	2008	NUM
fsr-3324	98	26	,	,	PUNCT
fsr-3324	98	27	$	$	SYM
fsr-3324	98	28	300	300	NUM
fsr-3324	98	29	and	and	CCONJ
fsr-3324	98	30	$	$	SYM
fsr-3324	98	31	600	600	NUM
fsr-3324	98	32	,	,	PUNCT
fsr-3324	98	33	as	as	ADV
fsr-3324	98	34	well	well	ADV
fsr-3324	98	35	as	as	ADP
fsr-3324	98	36	larger	large	ADJ
fsr-3324	98	37	amounts	amount	NOUN
fsr-3324	98	38	,	,	PUNCT
fsr-3324	98	39	$	$	SYM
fsr-3324	98	40	1,500	1,500	NUM
fsr-3324	98	41	and	and	CCONJ
fsr-3324	98	42	$	$	SYM
fsr-3324	98	43	3,000	3,000	NUM
fsr-3324	98	44	.	.	PUNCT
fsr-3324	99	1	they	they	PRON
fsr-3324	99	2	found	find	VERB
fsr-3324	99	3	that	that	SCONJ
fsr-3324	99	4	at	at	ADP
fsr-3324	99	5	some	some	DET
fsr-3324	99	6	amount	amount	NOUN
fsr-3324	99	7	over	over	ADP
fsr-3324	99	8	$	$	SYM
fsr-3324	99	9	600	600	NUM
fsr-3324	99	10	,	,	PUNCT
fsr-3324	99	11	materiality	materiality	NOUN
fsr-3324	99	12	mattered	matter	VERB
fsr-3324	99	13	greatly	greatly	ADV
fsr-3324	99	14	in	in	ADP
fsr-3324	99	15	how	how	SCONJ
fsr-3324	99	16	the	the	DET
fsr-3324	99	17	money	money	NOUN
fsr-3324	99	18	would	would	AUX
fsr-3324	99	19	be	be	AUX
fsr-3324	99	20	used	use	VERB
fsr-3324	99	21	.	.	PUNCT
fsr-3324	100	1	under	under	ADP
fsr-3324	100	2	the	the	DET
fsr-3324	100	3	$	$	SYM
fsr-3324	100	4	600	600	NUM
fsr-3324	100	5	amount	amount	NOUN
fsr-3324	100	6	,	,	PUNCT
fsr-3324	100	7	individuals	individual	NOUN
fsr-3324	100	8	were	be	AUX
fsr-3324	100	9	likely	likely	ADJ
fsr-3324	100	10	to	to	PART
fsr-3324	100	11	spend	spend	VERB
fsr-3324	100	12	a	a	DET
fsr-3324	100	13	rebate	rebate	NOUN
fsr-3324	100	14	if	if	SCONJ
fsr-3324	100	15	that	that	PRON
fsr-3324	100	16	was	be	AUX
fsr-3324	100	17	the	the	DET
fsr-3324	100	18	government	government	NOUN
fsr-3324	100	19	’s	’s	PART
fsr-3324	100	20	intent	intent	NOUN
fsr-3324	100	21	for	for	ADP
fsr-3324	100	22	distributing	distribute	VERB
fsr-3324	100	23	it	it	PRON
fsr-3324	100	24	,	,	PUNCT
fsr-3324	100	25	but	but	CCONJ
fsr-3324	100	26	at	at	ADP
fsr-3324	100	27	or	or	CCONJ
fsr-3324	100	28	above	above	ADP
fsr-3324	100	29	$	$	SYM
fsr-3324	100	30	600	600	NUM
fsr-3324	100	31	,	,	PUNCT
fsr-3324	100	32	the	the	DET
fsr-3324	100	33	government	government	NOUN
fsr-3324	100	34	’s	’s	PART
fsr-3324	100	35	wishes	wish	NOUN
fsr-3324	100	36	were	be	AUX
fsr-3324	100	37	ignored	ignore	VERB
fsr-3324	100	38	(	(	PUNCT
fsr-3324	100	39	chambers	chamber	NOUN
fsr-3324	100	40	et	et	NOUN
fsr-3324	100	41	al	al	PROPN
fsr-3324	100	42	.	.	PROPN
fsr-3324	100	43	,	,	PUNCT
fsr-3324	100	44	2009	2009	NUM
fsr-3324	100	45	)	)	PUNCT
fsr-3324	100	46	.	.	PUNCT
fsr-3324	101	1	research	research	NOUN
fsr-3324	101	2	on	on	ADP
fsr-3324	101	3	large	large	ADJ
fsr-3324	101	4	,	,	PUNCT
fsr-3324	101	5	regular	regular	ADJ
fsr-3324	101	6	bonuses	bonus	NOUN
fsr-3324	101	7	includes	include	VERB
fsr-3324	101	8	hsieh	hsieh	PROPN
fsr-3324	101	9	(	(	PUNCT
fsr-3324	101	10	2003	2003	NUM
fsr-3324	101	11	)	)	PUNCT
fsr-3324	101	12	who	who	PRON
fsr-3324	101	13	studied	study	VERB
fsr-3324	101	14	household	household	NOUN
fsr-3324	101	15	consumption	consumption	NOUN
fsr-3324	101	16	associated	associate	VERB
fsr-3324	101	17	with	with	ADP
fsr-3324	101	18	receipt	receipt	NOUN
fsr-3324	101	19	of	of	ADP
fsr-3324	101	20	the	the	DET
fsr-3324	101	21	annual	annual	ADJ
fsr-3324	101	22	alaska	alaska	NOUN
fsr-3324	101	23	permanent	permanent	ADJ
fsr-3324	101	24	fund	fund	NOUN
fsr-3324	101	25	payment	payment	NOUN
fsr-3324	101	26	,	,	PUNCT
fsr-3324	101	27	which	which	PRON
fsr-3324	101	28	was	be	AUX
fsr-3324	101	29	fully	fully	ADV
fsr-3324	101	30	anticipated	anticipate	VERB
fsr-3324	101	31	;	;	PUNCT
fsr-3324	101	32	and	and	CCONJ
fsr-3324	101	33	no	no	DET
fsr-3324	101	34	spike	spike	NOUN
fsr-3324	101	35	in	in	ADP
fsr-3324	101	36	consumption	consumption	NOUN
fsr-3324	101	37	was	be	AUX
fsr-3324	101	38	found	find	VERB
fsr-3324	101	39	.	.	PUNCT
fsr-3324	102	1	however	however	ADV
fsr-3324	102	2	,	,	PUNCT
fsr-3324	102	3	consumption	consumption	NOUN
fsr-3324	102	4	by	by	ADP
fsr-3324	102	5	the	the	DET
fsr-3324	102	6	same	same	ADJ
fsr-3324	102	7	households	household	NOUN
fsr-3324	102	8	was	be	AUX
fsr-3324	102	9	very	very	ADV
fsr-3324	102	10	responsive	responsive	ADJ
fsr-3324	102	11	to	to	ADP
fsr-3324	102	12	income	income	VERB
fsr-3324	102	13	tax	tax	NOUN
fsr-3324	102	14	refunds	refund	NOUN
fsr-3324	102	15	,	,	PUNCT
fsr-3324	102	16	suggesting	suggest	VERB
fsr-3324	102	17	that	that	SCONJ
fsr-3324	102	18	sizable	sizable	ADJ
fsr-3324	102	19	,	,	PUNCT
fsr-3324	102	20	predictable	predictable	ADJ
fsr-3324	102	21	,	,	PUNCT
fsr-3324	102	22	and	and	CCONJ
fsr-3324	102	23	regular	regular	ADJ
fsr-3324	102	24	payments	payment	NOUN
fsr-3324	102	25	are	be	AUX
fsr-3324	102	26	built	build	VERB
fsr-3324	102	27	into	into	ADP
fsr-3324	102	28	consumption	consumption	NOUN
fsr-3324	102	29	decisions	decision	NOUN
fsr-3324	102	30	(	(	PUNCT
fsr-3324	102	31	hsieh	hsieh	PROPN
fsr-3324	102	32	,	,	PUNCT
fsr-3324	102	33	2003	2003	NUM
fsr-3324	102	34	)	)	PUNCT
fsr-3324	102	35	.	.	PUNCT
fsr-3324	103	1	browning	browning	NOUN
fsr-3324	103	2	and	and	CCONJ
fsr-3324	103	3	collado	collado	NOUN
fsr-3324	103	4	(	(	PUNCT
fsr-3324	103	5	2001	2001	NUM
fsr-3324	103	6	)	)	PUNCT
fsr-3324	103	7	studied	study	VERB
fsr-3324	103	8	spanish	spanish	ADJ
fsr-3324	103	9	panel	panel	NOUN
fsr-3324	103	10	data	datum	NOUN
fsr-3324	103	11	to	to	PART
fsr-3324	103	12	measure	measure	VERB
fsr-3324	103	13	the	the	DET
fsr-3324	103	14	effect	effect	NOUN
fsr-3324	103	15	of	of	ADP
fsr-3324	103	16	customary	customary	ADJ
fsr-3324	103	17	bonus	bonus	NOUN
fsr-3324	103	18	payments	payment	NOUN
fsr-3324	103	19	.	.	PUNCT
fsr-3324	104	1	usually	usually	ADV
fsr-3324	104	2	workers	worker	NOUN
fsr-3324	104	3	are	be	AUX
fsr-3324	104	4	paid	pay	VERB
fsr-3324	104	5	1/14th	1/14th	NUM
fsr-3324	104	6	of	of	ADP
fsr-3324	104	7	their	their	PRON
fsr-3324	104	8	annual	annual	ADJ
fsr-3324	104	9	wage	wage	NOUN
fsr-3324	104	10	per	per	ADP
fsr-3324	104	11	month	month	NOUN
fsr-3324	104	12	for	for	ADP
fsr-3324	104	13	the	the	DET
fsr-3324	104	14	10	10	NUM
fsr-3324	104	15	months	month	NOUN
fsr-3324	104	16	other	other	ADJ
fsr-3324	104	17	than	than	ADP
fsr-3324	104	18	december	december	PROPN
fsr-3324	104	19	and	and	CCONJ
fsr-3324	104	20	june	june	PROPN
fsr-3324	104	21	or	or	CCONJ
fsr-3324	104	22	july	july	PROPN
fsr-3324	104	23	,	,	PUNCT
fsr-3324	104	24	when	when	SCONJ
fsr-3324	104	25	they	they	PRON
fsr-3324	104	26	received	receive	VERB
fsr-3324	104	27	bonuses	bonus	NOUN
fsr-3324	104	28	of	of	ADP
fsr-3324	104	29	2/14th	2/14th	NUM
fsr-3324	104	30	of	of	ADP
fsr-3324	104	31	their	their	PRON
fsr-3324	104	32	salary	salary	NOUN
fsr-3324	104	33	.	.	PUNCT
fsr-3324	105	1	similar	similar	ADJ
fsr-3324	105	2	to	to	ADP
fsr-3324	105	3	hsieh	hsieh	PROPN
fsr-3324	105	4	,	,	PUNCT
fsr-3324	105	5	they	they	PRON
fsr-3324	105	6	did	do	AUX
fsr-3324	105	7	not	not	PART
fsr-3324	105	8	find	find	VERB
fsr-3324	105	9	changes	change	NOUN
fsr-3324	105	10	in	in	ADP
fsr-3324	105	11	consumption	consumption	NOUN
fsr-3324	105	12	patterns	pattern	NOUN
fsr-3324	105	13	(	(	PUNCT
fsr-3324	105	14	browning	browning	NOUN
fsr-3324	105	15	&	&	CCONJ
fsr-3324	105	16	collado	collado	PROPN
fsr-3324	105	17	,	,	PUNCT
fsr-3324	105	18	2001	2001	NUM
fsr-3324	105	19	)	)	PUNCT
fsr-3324	105	20	.	.	PUNCT
fsr-3324	106	1	2.7	2.7	NUM
fsr-3324	106	2	.	.	PUNCT
fsr-3324	107	1	demographic	demographic	ADJ
fsr-3324	107	2	factors	factor	NOUN
fsr-3324	107	3	several	several	ADJ
fsr-3324	107	4	demographic	demographic	ADJ
fsr-3324	107	5	factors	factor	NOUN
fsr-3324	107	6	might	might	AUX
fsr-3324	107	7	affect	affect	VERB
fsr-3324	107	8	the	the	DET
fsr-3324	107	9	savings	saving	NOUN
fsr-3324	107	10	intent	intent	NOUN
fsr-3324	107	11	as	as	ADV
fsr-3324	107	12	well	well	ADV
fsr-3324	107	13	.	.	PUNCT
fsr-3324	108	1	chen	chen	PROPN
fsr-3324	108	2	and	and	CCONJ
fsr-3324	108	3	volpe	volpe	PROPN
fsr-3324	108	4	(	(	PUNCT
fsr-3324	108	5	2002	2002	NUM
fsr-3324	108	6	)	)	PUNCT
fsr-3324	108	7	sampled	sample	VERB
fsr-3324	108	8	multiple	multiple	ADJ
fsr-3324	108	9	colleges	college	NOUN
fsr-3324	108	10	and	and	CCONJ
fsr-3324	108	11	universities	university	NOUN
fsr-3324	108	12	and	and	CCONJ
fsr-3324	108	13	found	find	VERB
fsr-3324	108	14	that	that	SCONJ
fsr-3324	108	15	women	woman	NOUN
fsr-3324	108	16	generally	generally	ADV
fsr-3324	108	17	knew	know	VERB
fsr-3324	108	18	less	less	ADJ
fsr-3324	108	19	295v	295v	PROPN
fsr-3324	108	20	.	.	PUNCT
fsr-3324	109	1	chambers	chamber	NOUN
fsr-3324	109	2	et	et	PROPN
fsr-3324	109	3	al	al	PROPN
fsr-3324	109	4	.	.	PUNCT
fsr-3324	109	5	/	/	SYM
fsr-3324	109	6	financial	financial	ADJ
fsr-3324	109	7	services	service	NOUN
fsr-3324	109	8	review	review	VERB
fsr-3324	109	9	26	26	NUM
fsr-3324	109	10	(	(	PUNCT
fsr-3324	109	11	2017	2017	NUM
fsr-3324	109	12	)	)	PUNCT
fsr-3324	110	1	291–313	291–313	NUM
fsr-3324	110	2	about	about	ADP
fsr-3324	110	3	personal	personal	ADJ
fsr-3324	110	4	finance	finance	NOUN
fsr-3324	110	5	topics	topic	NOUN
fsr-3324	110	6	but	but	CCONJ
fsr-3324	110	7	that	that	SCONJ
fsr-3324	110	8	education	education	NOUN
fsr-3324	110	9	and	and	CCONJ
fsr-3324	110	10	experience	experience	NOUN
fsr-3324	110	11	can	can	AUX
fsr-3324	110	12	have	have	VERB
fsr-3324	110	13	a	a	DET
fsr-3324	110	14	significant	significant	ADJ
fsr-3324	110	15	impact	impact	NOUN
fsr-3324	110	16	on	on	ADP
fsr-3324	110	17	the	the	DET
fsr-3324	110	18	financial	financial	ADJ
fsr-3324	110	19	literacy	literacy	NOUN
fsr-3324	110	20	of	of	ADP
fsr-3324	110	21	both	both	DET
fsr-3324	110	22	men	man	NOUN
fsr-3324	110	23	and	and	CCONJ
fsr-3324	110	24	women	woman	NOUN
fsr-3324	110	25	.	.	PUNCT
fsr-3324	111	1	spencer	spencer	PROPN
fsr-3324	111	2	and	and	CCONJ
fsr-3324	111	3	chambers	chamber	NOUN
fsr-3324	111	4	(	(	PUNCT
fsr-3324	111	5	2012	2012	NUM
fsr-3324	111	6	)	)	PUNCT
fsr-3324	111	7	studied	study	VERB
fsr-3324	111	8	the	the	DET
fsr-3324	111	9	lump	lump	NOUN
fsr-3324	111	10	sum	sum	NOUN
fsr-3324	111	11	tax	tax	NOUN
fsr-3324	111	12	rebates	rebate	NOUN
fsr-3324	111	13	of	of	ADP
fsr-3324	111	14	2008	2008	NUM
fsr-3324	111	15	,	,	PUNCT
fsr-3324	111	16	relative	relative	ADJ
fsr-3324	111	17	to	to	ADP
fsr-3324	111	18	the	the	DET
fsr-3324	111	19	2009	2009	NUM
fsr-3324	111	20	tax	tax	NOUN
fsr-3324	111	21	rebates	rebate	NOUN
fsr-3324	111	22	distributed	distribute	VERB
fsr-3324	111	23	in	in	ADP
fsr-3324	111	24	small	small	ADJ
fsr-3324	111	25	amounts	amount	NOUN
fsr-3324	111	26	in	in	ADP
fsr-3324	111	27	take	take	NOUN
fsr-3324	111	28	-	-	PUNCT
fsr-3324	111	29	home	home	NOUN
fsr-3324	111	30	pay	pay	NOUN
fsr-3324	111	31	.	.	PUNCT
fsr-3324	112	1	their	their	PRON
fsr-3324	112	2	findings	finding	NOUN
fsr-3324	112	3	indicated	indicate	VERB
fsr-3324	112	4	that	that	SCONJ
fsr-3324	112	5	the	the	DET
fsr-3324	112	6	small	small	ADJ
fsr-3324	112	7	periodic	periodic	ADJ
fsr-3324	112	8	distributions	distribution	NOUN
fsr-3324	112	9	accomplished	accomplish	VERB
fsr-3324	112	10	the	the	DET
fsr-3324	112	11	stimulus	stimulus	NOUN
fsr-3324	112	12	significantly	significantly	ADV
fsr-3324	112	13	better	well	ADV
fsr-3324	112	14	.	.	PUNCT
fsr-3324	113	1	many	many	ADJ
fsr-3324	113	2	taxpayers	taxpayer	NOUN
fsr-3324	113	3	were	be	AUX
fsr-3324	113	4	not	not	PART
fsr-3324	113	5	aware	aware	ADJ
fsr-3324	113	6	of	of	ADP
fsr-3324	113	7	receiving	receive	VERB
fsr-3324	113	8	the	the	DET
fsr-3324	113	9	2009	2009	NUM
fsr-3324	113	10	rebate	rebate	NOUN
fsr-3324	113	11	,	,	PUNCT
fsr-3324	113	12	and	and	CCONJ
fsr-3324	113	13	those	those	PRON
fsr-3324	113	14	who	who	PRON
fsr-3324	113	15	did	do	AUX
fsr-3324	113	16	realize	realize	VERB
fsr-3324	113	17	it	it	PRON
fsr-3324	113	18	,	,	PUNCT
fsr-3324	113	19	saved	save	VERB
fsr-3324	113	20	a	a	DET
fsr-3324	113	21	lower	low	ADJ
fsr-3324	113	22	average	average	ADJ
fsr-3324	113	23	percentage	percentage	NOUN
fsr-3324	113	24	than	than	ADP
fsr-3324	113	25	with	with	ADP
fsr-3324	113	26	the	the	DET
fsr-3324	113	27	2008	2008	NUM
fsr-3324	113	28	rebate	rebate	NOUN
fsr-3324	113	29	.	.	PUNCT
fsr-3324	114	1	income	income	NOUN
fsr-3324	114	2	,	,	PUNCT
fsr-3324	114	3	wealth	wealth	NOUN
fsr-3324	114	4	,	,	PUNCT
fsr-3324	114	5	high	high	ADJ
fsr-3324	114	6	-	-	PUNCT
fsr-3324	114	7	risk	risk	NOUN
fsr-3324	114	8	tolerance	tolerance	NOUN
fsr-3324	114	9	,	,	PUNCT
fsr-3324	114	10	and	and	CCONJ
fsr-3324	114	11	savings	saving	NOUN
fsr-3324	114	12	differed	differ	VERB
fsr-3324	114	13	significantly	significantly	ADV
fsr-3324	114	14	by	by	ADP
fsr-3324	114	15	gender	gender	NOUN
fsr-3324	114	16	,	,	PUNCT
fsr-3324	114	17	as	as	SCONJ
fsr-3324	114	18	did	do	AUX
fsr-3324	114	19	being	be	AUX
fsr-3324	114	20	non	non	ADJ
fsr-3324	114	21	-	-	ADJ
fsr-3324	114	22	white	white	ADJ
fsr-3324	114	23	and	and	CCONJ
fsr-3324	114	24	having	have	VERB
fsr-3324	114	25	other	other	ADJ
fsr-3324	114	26	household	household	NOUN
fsr-3324	114	27	members	member	NOUN
fsr-3324	114	28	(	(	PUNCT
fsr-3324	114	29	fisher	fisher	PROPN
fsr-3324	114	30	et	et	PROPN
fsr-3324	114	31	al	al	PROPN
fsr-3324	114	32	.	.	PROPN
fsr-3324	114	33	,	,	PUNCT
fsr-3324	114	34	2015	2015	NUM
fsr-3324	114	35	)	)	PUNCT
fsr-3324	114	36	.	.	PUNCT
fsr-3324	115	1	specifically	specifically	ADV
fsr-3324	115	2	,	,	PUNCT
fsr-3324	115	3	income	income	NOUN
fsr-3324	115	4	uncertainty	uncertainty	NOUN
fsr-3324	115	5	was	be	AUX
fsr-3324	115	6	associated	associate	VERB
fsr-3324	115	7	with	with	ADP
fsr-3324	115	8	a	a	DET
fsr-3324	115	9	significantly	significantly	ADV
fsr-3324	115	10	lower	low	ADJ
fsr-3324	115	11	likelihood	likelihood	NOUN
fsr-3324	115	12	of	of	ADP
fsr-3324	115	13	saving	save	VERB
fsr-3324	115	14	for	for	ADP
fsr-3324	115	15	men	man	NOUN
fsr-3324	115	16	.	.	PUNCT
fsr-3324	116	1	fisher	fisher	PROPN
fsr-3324	116	2	’s	’s	PART
fsr-3324	116	3	(	(	PUNCT
fsr-3324	116	4	2010	2010	NUM
fsr-3324	116	5	)	)	PUNCT
fsr-3324	116	6	findings	finding	NOUN
fsr-3324	116	7	indicated	indicate	VERB
fsr-3324	116	8	that	that	SCONJ
fsr-3324	116	9	black	black	ADJ
fsr-3324	116	10	–	–	PUNCT
fsr-3324	116	11	white	white	ADJ
fsr-3324	116	12	differences	difference	NOUN
fsr-3324	116	13	in	in	ADP
fsr-3324	116	14	savings	saving	NOUN
fsr-3324	116	15	were	be	AUX
fsr-3324	116	16	explained	explain	VERB
fsr-3324	116	17	by	by	ADP
fsr-3324	116	18	the	the	DET
fsr-3324	116	19	individual	individual	ADJ
fsr-3324	116	20	determinants	determinant	NOUN
fsr-3324	116	21	of	of	ADP
fsr-3324	116	22	saving	saving	NOUN
fsr-3324	116	23	—	—	PUNCT
fsr-3324	116	24	like	like	ADP
fsr-3324	116	25	receiving	receive	VERB
fsr-3324	116	26	government	government	NOUN
fsr-3324	116	27	assistance	assistance	NOUN
fsr-3324	116	28	,	,	PUNCT
fsr-3324	116	29	feeling	feel	VERB
fsr-3324	116	30	that	that	SCONJ
fsr-3324	116	31	credit	credit	NOUN
fsr-3324	116	32	use	use	NOUN
fsr-3324	116	33	is	be	AUX
fsr-3324	116	34	bad	bad	ADJ
fsr-3324	116	35	,	,	PUNCT
fsr-3324	116	36	being	be	AUX
fsr-3324	116	37	turned	turn	VERB
fsr-3324	116	38	down	down	ADP
fsr-3324	116	39	for	for	ADP
fsr-3324	116	40	credit	credit	NOUN
fsr-3324	116	41	in	in	ADP
fsr-3324	116	42	the	the	DET
fsr-3324	116	43	past	past	ADJ
fsr-3324	116	44	5	5	NUM
fsr-3324	116	45	years	year	NOUN
fsr-3324	116	46	,	,	PUNCT
fsr-3324	116	47	or	or	CCONJ
fsr-3324	116	48	having	have	VERB
fsr-3324	116	49	a	a	DET
fsr-3324	116	50	shorter	short	ADJ
fsr-3324	116	51	saving	saving	NOUN
fsr-3324	116	52	horizon	horizon	NOUN
fsr-3324	116	53	.	.	PUNCT
fsr-3324	117	1	black	black	ADJ
fsr-3324	117	2	households	household	NOUN
fsr-3324	117	3	also	also	ADV
fsr-3324	117	4	had	have	VERB
fsr-3324	117	5	a	a	DET
fsr-3324	117	6	lower	low	ADJ
fsr-3324	117	7	risk	risk	NOUN
fsr-3324	117	8	tolerance	tolerance	NOUN
fsr-3324	117	9	and	and	CCONJ
fsr-3324	117	10	were	be	AUX
fsr-3324	117	11	more	more	ADV
fsr-3324	117	12	likely	likely	ADJ
fsr-3324	117	13	to	to	PART
fsr-3324	117	14	save	save	VERB
fsr-3324	117	15	for	for	ADP
fsr-3324	117	16	a	a	DET
fsr-3324	117	17	bequest	bequest	NOUN
fsr-3324	117	18	.	.	PUNCT
fsr-3324	118	1	3	3	X
fsr-3324	118	2	.	.	X
fsr-3324	118	3	hypothesis	hypothesis	NOUN
fsr-3324	118	4	this	this	DET
fsr-3324	118	5	study	study	NOUN
fsr-3324	118	6	tests	test	VERB
fsr-3324	118	7	whether	whether	SCONJ
fsr-3324	118	8	people	people	NOUN
fsr-3324	118	9	spend	spend	VERB
fsr-3324	118	10	a	a	DET
fsr-3324	118	11	distribution	distribution	NOUN
fsr-3324	118	12	from	from	ADP
fsr-3324	118	13	a	a	DET
fsr-3324	118	14	hypothetical	hypothetical	ADJ
fsr-3324	118	15	tax	tax	NOUN
fsr-3324	118	16	rebate	rebate	NOUN
fsr-3324	118	17	as	as	SCONJ
fsr-3324	118	18	they	they	PRON
fsr-3324	118	19	would	would	AUX
fsr-3324	118	20	if	if	SCONJ
fsr-3324	118	21	the	the	DET
fsr-3324	118	22	distribution	distribution	NOUN
fsr-3324	118	23	came	come	VERB
fsr-3324	118	24	from	from	ADP
fsr-3324	118	25	other	other	ADJ
fsr-3324	118	26	windfall	windfall	NOUN
fsr-3324	118	27	sources	source	NOUN
fsr-3324	118	28	,	,	PUNCT
fsr-3324	118	29	such	such	ADJ
fsr-3324	118	30	as	as	ADP
fsr-3324	118	31	a	a	DET
fsr-3324	118	32	bonus	bonus	NOUN
fsr-3324	118	33	from	from	ADP
fsr-3324	118	34	work	work	NOUN
fsr-3324	118	35	,	,	PUNCT
fsr-3324	118	36	a	a	DET
fsr-3324	118	37	game	game	NOUN
fsr-3324	118	38	show	show	NOUN
fsr-3324	118	39	winning	win	VERB
fsr-3324	118	40	,	,	PUNCT
fsr-3324	118	41	an	an	DET
fsr-3324	118	42	inheritance	inheritance	NOUN
fsr-3324	118	43	or	or	CCONJ
fsr-3324	118	44	a	a	DET
fsr-3324	118	45	lottery	lottery	NOUN
fsr-3324	118	46	winning	win	VERB
fsr-3324	118	47	.	.	PUNCT
fsr-3324	119	1	specifically	specifically	ADV
fsr-3324	119	2	,	,	PUNCT
fsr-3324	119	3	the	the	DET
fsr-3324	119	4	goal	goal	NOUN
fsr-3324	119	5	was	be	AUX
fsr-3324	119	6	to	to	PART
fsr-3324	119	7	test	test	VERB
fsr-3324	119	8	whether	whether	SCONJ
fsr-3324	119	9	there	there	PRON
fsr-3324	119	10	is	be	VERB
fsr-3324	119	11	any	any	DET
fsr-3324	119	12	difference	difference	NOUN
fsr-3324	119	13	in	in	ADP
fsr-3324	119	14	the	the	DET
fsr-3324	119	15	savings	saving	NOUN
fsr-3324	119	16	rate	rate	NOUN
fsr-3324	119	17	among	among	ADP
fsr-3324	119	18	different	different	ADJ
fsr-3324	119	19	sources	source	NOUN
fsr-3324	119	20	of	of	ADP
fsr-3324	119	21	income	income	NOUN
fsr-3324	119	22	.	.	PUNCT
fsr-3324	120	1	regular	regular	ADJ
fsr-3324	120	2	income	income	NOUN
fsr-3324	120	3	was	be	AUX
fsr-3324	120	4	omitted	omit	VERB
fsr-3324	120	5	,	,	PUNCT
fsr-3324	120	6	relying	rely	VERB
fsr-3324	120	7	on	on	ADP
fsr-3324	120	8	literature	literature	NOUN
fsr-3324	120	9	that	that	PRON
fsr-3324	120	10	amounts	amount	VERB
fsr-3324	120	11	saved	save	VERB
fsr-3324	120	12	from	from	ADP
fsr-3324	120	13	regular	regular	ADJ
fsr-3324	120	14	income	income	NOUN
fsr-3324	120	15	differed	differ	VERB
fsr-3324	120	16	from	from	ADP
fsr-3324	120	17	that	that	PRON
fsr-3324	120	18	saved	save	VERB
fsr-3324	120	19	from	from	ADP
fsr-3324	120	20	windfalls	windfall	NOUN
fsr-3324	120	21	(	(	PUNCT
fsr-3324	120	22	arkes	arke	NOUN
fsr-3324	120	23	et	et	NOUN
fsr-3324	120	24	al	al	PROPN
fsr-3324	120	25	.	.	PROPN
fsr-3324	120	26	,	,	PUNCT
fsr-3324	120	27	1994	1994	NUM
fsr-3324	120	28	;	;	PUNCT
fsr-3324	121	1	karlsson	karlsson	PROPN
fsr-3324	121	2	et	et	PROPN
fsr-3324	121	3	al	al	PROPN
fsr-3324	121	4	.	.	PROPN
fsr-3324	121	5	,	,	PUNCT
fsr-3324	121	6	1999	1999	NUM
fsr-3324	121	7	;	;	PUNCT
fsr-3324	121	8	rucker	rucker	NOUN
fsr-3324	121	9	,	,	PUNCT
fsr-3324	121	10	1984	1984	NUM
fsr-3324	121	11	)	)	PUNCT
fsr-3324	121	12	.	.	PUNCT
fsr-3324	122	1	some	some	DET
fsr-3324	122	2	sources	source	NOUN
fsr-3324	122	3	of	of	ADP
fsr-3324	122	4	windfall	windfall	NOUN
fsr-3324	122	5	were	be	AUX
fsr-3324	122	6	included	include	VERB
fsr-3324	122	7	,	,	PUNCT
fsr-3324	122	8	as	as	ADP
fsr-3324	122	9	in	in	ADP
fsr-3324	122	10	earlier	early	ADJ
fsr-3324	122	11	literature	literature	NOUN
fsr-3324	122	12	,	,	PUNCT
fsr-3324	122	13	among	among	ADP
fsr-3324	122	14	them	they	PRON
fsr-3324	122	15	:	:	PUNCT
fsr-3324	122	16	inheritance	inheritance	NOUN
fsr-3324	122	17	(	(	PUNCT
fsr-3324	122	18	e.g.	e.g.	ADV
fsr-3324	122	19	,	,	PUNCT
fsr-3324	122	20	baker	baker	PROPN
fsr-3324	122	21	&	&	CCONJ
fsr-3324	122	22	nofsinger	nofsinger	PROPN
fsr-3324	122	23	,	,	PUNCT
fsr-3324	122	24	2002	2002	NUM
fsr-3324	122	25	)	)	PUNCT
fsr-3324	122	26	,	,	PUNCT
fsr-3324	122	27	bonus	bonus	NOUN
fsr-3324	122	28	(	(	PUNCT
fsr-3324	122	29	e.g.	e.g.	ADV
fsr-3324	122	30	,	,	PUNCT
fsr-3324	122	31	henderson	henderson	PROPN
fsr-3324	122	32	&	&	CCONJ
fsr-3324	122	33	peterson	peterson	PROPN
fsr-3324	122	34	,	,	PUNCT
fsr-3324	122	35	1992	1992	NUM
fsr-3324	122	36	;	;	PUNCT
fsr-3324	122	37	hsieh	hsieh	PROPN
fsr-3324	122	38	,	,	PUNCT
fsr-3324	122	39	2003	2003	NUM
fsr-3324	122	40	)	)	PUNCT
fsr-3324	122	41	,	,	PUNCT
fsr-3324	122	42	tax	tax	NOUN
fsr-3324	122	43	rebate	rebate	NOUN
fsr-3324	122	44	(	(	PUNCT
fsr-3324	122	45	e.g.	e.g.	ADV
fsr-3324	122	46	,	,	PUNCT
fsr-3324	122	47	chambers	chambers	PROPN
fsr-3324	122	48	&	&	CCONJ
fsr-3324	122	49	spencer	spencer	PROPN
fsr-3324	122	50	,	,	PUNCT
fsr-3324	122	51	2008	2008	NUM
fsr-3324	122	52	;	;	PUNCT
fsr-3324	122	53	hsieh	hsieh	PROPN
fsr-3324	122	54	,	,	PUNCT
fsr-3324	122	55	2003	2003	NUM
fsr-3324	122	56	)	)	PUNCT
fsr-3324	122	57	and	and	CCONJ
fsr-3324	122	58	lottery	lottery	NOUN
fsr-3324	122	59	(	(	PUNCT
fsr-3324	122	60	winkelmann	winkelmann	PROPN
fsr-3324	122	61	et	et	PROPN
fsr-3324	122	62	al	al	PROPN
fsr-3324	122	63	.	.	PROPN
fsr-3324	122	64	,	,	PUNCT
fsr-3324	122	65	2011	2011	NUM
fsr-3324	122	66	)	)	PUNCT
fsr-3324	122	67	.	.	PUNCT
fsr-3324	123	1	these	these	DET
fsr-3324	123	2	factors	factor	NOUN
fsr-3324	123	3	are	be	AUX
fsr-3324	123	4	expected	expect	VERB
fsr-3324	123	5	to	to	PART
fsr-3324	123	6	vary	vary	VERB
fsr-3324	123	7	in	in	ADP
fsr-3324	123	8	their	their	PRON
fsr-3324	123	9	affective	affective	ADJ
fsr-3324	123	10	tags	tag	NOUN
fsr-3324	123	11	(	(	PUNCT
fsr-3324	123	12	levav	levav	PROPN
fsr-3324	123	13	&	&	CCONJ
fsr-3324	123	14	mcgraw	mcgraw	PROPN
fsr-3324	123	15	,	,	PUNCT
fsr-3324	123	16	2009	2009	NUM
fsr-3324	123	17	):	):	PUNCT
fsr-3324	123	18	perceived	perceive	VERB
fsr-3324	123	19	deservedness	deservedness	NOUN
fsr-3324	123	20	(	(	PUNCT
fsr-3324	123	21	earnings	earning	NOUN
fsr-3324	123	22	,	,	PUNCT
fsr-3324	123	23	not	not	PART
fsr-3324	123	24	endowment	endowment	NOUN
fsr-3324	123	25	)	)	PUNCT
fsr-3324	123	26	,	,	PUNCT
fsr-3324	123	27	and	and	CCONJ
fsr-3324	123	28	outcomes	outcome	NOUN
fsr-3324	123	29	that	that	PRON
fsr-3324	123	30	are	be	AUX
fsr-3324	123	31	susceptible	susceptible	ADJ
fsr-3324	123	32	to	to	ADP
fsr-3324	123	33	changes	change	NOUN
fsr-3324	123	34	in	in	ADP
fsr-3324	123	35	self	self	NOUN
fsr-3324	123	36	-	-	PUNCT
fsr-3324	123	37	control	control	NOUN
fsr-3324	123	38	(	(	PUNCT
fsr-3324	123	39	cheema	cheema	PROPN
fsr-3324	123	40	&	&	CCONJ
fsr-3324	123	41	soman	soman	PROPN
fsr-3324	123	42	,	,	PUNCT
fsr-3324	123	43	2006	2006	NUM
fsr-3324	123	44	;	;	PUNCT
fsr-3324	123	45	sprenger	sprenger	NOUN
fsr-3324	123	46	&	&	CCONJ
fsr-3324	123	47	stavins	stavin	NOUN
fsr-3324	123	48	,	,	PUNCT
fsr-3324	123	49	2010	2010	NUM
fsr-3324	123	50	;	;	PUNCT
fsr-3324	123	51	wertenbroch	wertenbroch	NOUN
fsr-3324	123	52	,	,	PUNCT
fsr-3324	123	53	2003	2003	NUM
fsr-3324	123	54	)	)	PUNCT
fsr-3324	123	55	.	.	PUNCT
fsr-3324	124	1	for	for	ADP
fsr-3324	124	2	example	example	NOUN
fsr-3324	124	3	,	,	PUNCT
fsr-3324	124	4	an	an	DET
fsr-3324	124	5	inheritance	inheritance	NOUN
fsr-3324	124	6	is	be	AUX
fsr-3324	124	7	likely	likely	ADJ
fsr-3324	124	8	to	to	PART
fsr-3324	124	9	have	have	VERB
fsr-3324	124	10	a	a	DET
fsr-3324	124	11	strong	strong	ADJ
fsr-3324	124	12	affective	affective	ADJ
fsr-3324	124	13	tag	tag	NOUN
fsr-3324	124	14	,	,	PUNCT
fsr-3324	124	15	is	be	AUX
fsr-3324	124	16	less	less	ADV
fsr-3324	124	17	earned	earn	VERB
fsr-3324	124	18	and	and	CCONJ
fsr-3324	124	19	less	less	ADV
fsr-3324	124	20	susceptible	susceptible	ADJ
fsr-3324	124	21	to	to	ADP
fsr-3324	124	22	one	one	PRON
fsr-3324	124	23	’s	’s	PART
fsr-3324	124	24	own	own	ADJ
fsr-3324	124	25	self	self	NOUN
fsr-3324	124	26	-	-	PUNCT
fsr-3324	124	27	control	control	NOUN
fsr-3324	124	28	.	.	PUNCT
fsr-3324	125	1	a	a	DET
fsr-3324	125	2	bonus	bonus	NOUN
fsr-3324	125	3	has	have	VERB
fsr-3324	125	4	a	a	DET
fsr-3324	125	5	more	more	ADV
fsr-3324	125	6	moderate	moderate	ADJ
fsr-3324	125	7	affective	affective	ADJ
fsr-3324	125	8	tag	tag	NOUN
fsr-3324	125	9	,	,	PUNCT
fsr-3324	125	10	is	be	AUX
fsr-3324	125	11	presumably	presumably	ADV
fsr-3324	125	12	earned	earn	VERB
fsr-3324	125	13	,	,	PUNCT
fsr-3324	125	14	but	but	CCONJ
fsr-3324	125	15	is	be	AUX
fsr-3324	125	16	only	only	ADV
fsr-3324	125	17	moderately	moderately	ADV
fsr-3324	125	18	susceptible	susceptible	ADJ
fsr-3324	125	19	to	to	ADP
fsr-3324	125	20	one	one	PRON
fsr-3324	125	21	’s	’s	PART
fsr-3324	125	22	own	own	ADJ
fsr-3324	125	23	self	self	NOUN
fsr-3324	125	24	-	-	PUNCT
fsr-3324	125	25	control	control	NOUN
fsr-3324	125	26	versus	versus	ADP
fsr-3324	125	27	the	the	DET
fsr-3324	125	28	employer	employer	NOUN
fsr-3324	125	29	’s	’s	PART
fsr-3324	125	30	control	control	NOUN
fsr-3324	125	31	.	.	PUNCT
fsr-3324	126	1	a	a	DET
fsr-3324	126	2	tax	tax	NOUN
fsr-3324	126	3	rebate	rebate	NOUN
fsr-3324	126	4	should	should	AUX
fsr-3324	126	5	have	have	VERB
fsr-3324	126	6	a	a	DET
fsr-3324	126	7	lesser	less	ADJ
fsr-3324	126	8	affective	affective	ADJ
fsr-3324	126	9	tag	tag	NOUN
fsr-3324	126	10	,	,	PUNCT
fsr-3324	126	11	is	be	AUX
fsr-3324	126	12	presumably	presumably	ADV
fsr-3324	126	13	earned	earn	VERB
fsr-3324	126	14	,	,	PUNCT
fsr-3324	126	15	but	but	CCONJ
fsr-3324	126	16	less	less	ADV
fsr-3324	126	17	susceptible	susceptible	ADJ
fsr-3324	126	18	to	to	ADP
fsr-3324	126	19	one	one	PRON
fsr-3324	126	20	’s	’s	PART
fsr-3324	126	21	own	own	ADJ
fsr-3324	126	22	self	self	NOUN
fsr-3324	126	23	-	-	PUNCT
fsr-3324	126	24	control	control	NOUN
fsr-3324	126	25	than	than	ADP
fsr-3324	126	26	that	that	PRON
fsr-3324	126	27	of	of	ADP
fsr-3324	126	28	the	the	DET
fsr-3324	126	29	irs	irs	PROPN
fsr-3324	126	30	.	.	PUNCT
fsr-3324	127	1	lottery	lottery	NOUN
fsr-3324	127	2	winnings	winning	NOUN
fsr-3324	127	3	have	have	VERB
fsr-3324	127	4	a	a	DET
fsr-3324	127	5	low	low	ADJ
fsr-3324	127	6	affective	affective	ADJ
fsr-3324	127	7	tag	tag	NOUN
fsr-3324	127	8	,	,	PUNCT
fsr-3324	127	9	are	be	AUX
fsr-3324	127	10	unearned	unearned	ADJ
fsr-3324	127	11	and	and	CCONJ
fsr-3324	127	12	very	very	ADV
fsr-3324	127	13	unsusceptible	unsusceptible	ADJ
fsr-3324	127	14	to	to	ADP
fsr-3324	127	15	one	one	PRON
fsr-3324	127	16	’s	’s	PART
fsr-3324	127	17	own	own	ADJ
fsr-3324	127	18	self	self	NOUN
fsr-3324	127	19	-	-	PUNCT
fsr-3324	127	20	control	control	NOUN
fsr-3324	127	21	.	.	PUNCT
fsr-3324	128	1	this	this	DET
fsr-3324	128	2	study	study	NOUN
fsr-3324	128	3	introduces	introduce	VERB
fsr-3324	128	4	a	a	DET
fsr-3324	128	5	new	new	ADJ
fsr-3324	128	6	,	,	PUNCT
fsr-3324	128	7	exploratory	exploratory	ADJ
fsr-3324	128	8	variable	variable	NOUN
fsr-3324	128	9	,	,	PUNCT
fsr-3324	128	10	game	game	NOUN
fsr-3324	128	11	show	show	NOUN
fsr-3324	128	12	winnings	winning	NOUN
fsr-3324	128	13	,	,	PUNCT
fsr-3324	128	14	which	which	PRON
fsr-3324	128	15	has	have	VERB
fsr-3324	128	16	a	a	DET
fsr-3324	128	17	moderate	moderate	ADJ
fsr-3324	128	18	affective	affective	ADJ
fsr-3324	128	19	tag	tag	NOUN
fsr-3324	128	20	,	,	PUNCT
fsr-3324	128	21	is	be	AUX
fsr-3324	128	22	moderately	moderately	ADV
fsr-3324	128	23	earned	earn	VERB
fsr-3324	128	24	and	and	CCONJ
fsr-3324	128	25	moderately	moderately	ADV
fsr-3324	128	26	in	in	ADP
fsr-3324	128	27	one	one	NUM
fsr-3324	128	28	’s	’s	PART
fsr-3324	128	29	self	self	NOUN
fsr-3324	128	30	-	-	PUNCT
fsr-3324	128	31	control	control	NOUN
fsr-3324	128	32	.	.	PUNCT
fsr-3324	129	1	based	base	VERB
fsr-3324	129	2	on	on	ADP
fsr-3324	129	3	earlier	early	ADJ
fsr-3324	129	4	literature	literature	NOUN
fsr-3324	129	5	,	,	PUNCT
fsr-3324	129	6	a	a	DET
fsr-3324	129	7	cash	cash	NOUN
fsr-3324	129	8	inheritance	inheritance	NOUN
fsr-3324	129	9	would	would	AUX
fsr-3324	129	10	be	be	AUX
fsr-3324	129	11	expected	expect	VERB
fsr-3324	129	12	to	to	PART
fsr-3324	129	13	stay	stay	VERB
fsr-3324	129	14	primarily	primarily	ADV
fsr-3324	129	15	in	in	ADP
fsr-3324	129	16	the	the	DET
fsr-3324	129	17	form	form	NOUN
fsr-3324	129	18	of	of	ADP
fsr-3324	129	19	cash	cash	NOUN
fsr-3324	129	20	savings	saving	NOUN
fsr-3324	129	21	(	(	PUNCT
fsr-3324	129	22	baker	baker	PROPN
fsr-3324	129	23	&	&	CCONJ
fsr-3324	129	24	nofsinger	nofsinger	PROPN
fsr-3324	129	25	,	,	PUNCT
fsr-3324	129	26	2002	2002	NUM
fsr-3324	129	27	)	)	PUNCT
fsr-3324	129	28	.	.	PUNCT
fsr-3324	130	1	a	a	DET
fsr-3324	130	2	bonus	bonus	NOUN
fsr-3324	130	3	would	would	AUX
fsr-3324	130	4	be	be	AUX
fsr-3324	130	5	expected	expect	VERB
fsr-3324	130	6	to	to	PART
fsr-3324	130	7	be	be	AUX
fsr-3324	130	8	saved	save	VERB
fsr-3324	130	9	(	(	PUNCT
fsr-3324	130	10	henderson	henderson	PROPN
fsr-3324	130	11	&	&	CCONJ
fsr-3324	130	12	peterson	peterson	PROPN
fsr-3324	130	13	,	,	PUNCT
fsr-3324	130	14	1992	1992	NUM
fsr-3324	130	15	;	;	PUNCT
fsr-3324	130	16	hsieh	hsieh	PROPN
fsr-3324	130	17	,	,	PUNCT
fsr-3324	130	18	2003	2003	NUM
fsr-3324	130	19	)	)	PUNCT
fsr-3324	130	20	.	.	PUNCT
fsr-3324	131	1	a	a	DET
fsr-3324	131	2	tax	tax	NOUN
fsr-3324	131	3	rebate	rebate	NOUN
fsr-3324	131	4	was	be	AUX
fsr-3324	131	5	assumed	assume	VERB
fsr-3324	131	6	to	to	PART
fsr-3324	131	7	be	be	AUX
fsr-3324	131	8	split	split	VERB
fsr-3324	131	9	between	between	ADP
fsr-3324	131	10	savings	saving	NOUN
fsr-3324	131	11	and	and	CCONJ
fsr-3324	131	12	spending	spending	NOUN
fsr-3324	131	13	(	(	PUNCT
fsr-3324	131	14	chambers	chamber	NOUN
fsr-3324	131	15	&	&	CCONJ
fsr-3324	131	16	spencer	spencer	PROPN
fsr-3324	131	17	,	,	PUNCT
fsr-3324	131	18	2008	2008	NUM
fsr-3324	131	19	;	;	PUNCT
fsr-3324	131	20	meekin	meekin	NOUN
fsr-3324	131	21	et	et	PROPN
fsr-3324	131	22	al	al	PROPN
fsr-3324	131	23	.	.	PROPN
fsr-3324	131	24	,	,	PUNCT
fsr-3324	131	25	2015	2015	NUM
fsr-3324	131	26	)	)	PUNCT
fsr-3324	131	27	.	.	PUNCT
fsr-3324	132	1	lottery	lottery	NOUN
fsr-3324	132	2	winnings	winning	NOUN
fsr-3324	132	3	were	be	AUX
fsr-3324	132	4	anticipated	anticipate	VERB
fsr-3324	132	5	to	to	PART
fsr-3324	132	6	be	be	AUX
fsr-3324	132	7	spent	spend	VERB
fsr-3324	132	8	(	(	PUNCT
fsr-3324	132	9	winkelmann	winkelmann	PROPN
fsr-3324	132	10	et	et	PROPN
fsr-3324	132	11	al	al	PROPN
fsr-3324	132	12	.	.	PROPN
fsr-3324	132	13	,	,	PUNCT
fsr-3324	132	14	2011	2011	NUM
fsr-3324	132	15	)	)	PUNCT
fsr-3324	132	16	.	.	PUNCT
fsr-3324	133	1	without	without	ADP
fsr-3324	133	2	relying	rely	VERB
fsr-3324	133	3	on	on	ADP
fsr-3324	133	4	earlier	early	ADJ
fsr-3324	133	5	literature	literature	NOUN
fsr-3324	133	6	296	296	NUM
fsr-3324	133	7	v.	v.	ADP
fsr-3324	133	8	chambers	chamber	NOUN
fsr-3324	133	9	et	et	PROPN
fsr-3324	133	10	al	al	PROPN
fsr-3324	133	11	.	.	PUNCT
fsr-3324	133	12	/	/	SYM
fsr-3324	133	13	financial	financial	ADJ
fsr-3324	133	14	services	service	NOUN
fsr-3324	133	15	review	review	VERB
fsr-3324	133	16	26	26	NUM
fsr-3324	133	17	(	(	PUNCT
fsr-3324	133	18	2017	2017	NUM
fsr-3324	133	19	)	)	PUNCT
fsr-3324	134	1	291–313	291–313	NUM
fsr-3324	134	2	for	for	ADP
fsr-3324	134	3	game	game	NOUN
fsr-3324	134	4	show	show	NOUN
fsr-3324	134	5	winnings	winning	NOUN
fsr-3324	134	6	,	,	PUNCT
fsr-3324	134	7	those	those	DET
fsr-3324	134	8	earnings	earning	NOUN
fsr-3324	134	9	were	be	AUX
fsr-3324	134	10	expected	expect	VERB
fsr-3324	134	11	to	to	PART
fsr-3324	134	12	be	be	AUX
fsr-3324	134	13	spent	spend	VERB
fsr-3324	134	14	because	because	SCONJ
fsr-3324	134	15	,	,	PUNCT
fsr-3324	134	16	whereas	whereas	SCONJ
fsr-3324	134	17	such	such	ADJ
fsr-3324	134	18	winnings	winning	NOUN
fsr-3324	134	19	arguably	arguably	ADV
fsr-3324	134	20	result	result	VERB
fsr-3324	134	21	from	from	ADP
fsr-3324	134	22	some	some	DET
fsr-3324	134	23	earnings	earning	NOUN
fsr-3324	134	24	effort	effort	NOUN
fsr-3324	134	25	and	and	CCONJ
fsr-3324	134	26	more	more	ADJ
fsr-3324	134	27	self	self	NOUN
fsr-3324	134	28	-	-	PUNCT
fsr-3324	134	29	control	control	NOUN
fsr-3324	134	30	than	than	ADP
fsr-3324	134	31	a	a	DET
fsr-3324	134	32	lottery	lottery	NOUN
fsr-3324	134	33	,	,	PUNCT
fsr-3324	134	34	those	those	DET
fsr-3324	134	35	winnings	winning	NOUN
fsr-3324	134	36	are	be	AUX
fsr-3324	134	37	closer	close	ADJ
fsr-3324	134	38	in	in	ADP
fsr-3324	134	39	source	source	NOUN
fsr-3324	134	40	to	to	ADP
fsr-3324	134	41	a	a	DET
fsr-3324	134	42	lottery	lottery	NOUN
fsr-3324	134	43	than	than	ADP
fsr-3324	134	44	to	to	ADP
fsr-3324	134	45	the	the	DET
fsr-3324	134	46	other	other	ADJ
fsr-3324	134	47	sources	source	NOUN
fsr-3324	134	48	tested	test	VERB
fsr-3324	134	49	here	here	ADV
fsr-3324	134	50	.	.	PUNCT
fsr-3324	135	1	although	although	SCONJ
fsr-3324	135	2	a	a	DET
fsr-3324	135	3	lottery	lottery	NOUN
fsr-3324	135	4	winner	winner	NOUN
fsr-3324	135	5	is	be	AUX
fsr-3324	135	6	in	in	ADP
fsr-3324	135	7	control	control	NOUN
fsr-3324	135	8	of	of	ADP
fsr-3324	135	9	the	the	DET
fsr-3324	135	10	decision	decision	NOUN
fsr-3324	135	11	to	to	PART
fsr-3324	135	12	buy	buy	VERB
fsr-3324	135	13	another	another	DET
fsr-3324	135	14	ticket	ticket	NOUN
fsr-3324	135	15	,	,	PUNCT
fsr-3324	135	16	the	the	DET
fsr-3324	135	17	decision	decision	NOUN
fsr-3324	135	18	to	to	PART
fsr-3324	135	19	be	be	AUX
fsr-3324	135	20	a	a	DET
fsr-3324	135	21	gameshow	gameshow	NOUN
fsr-3324	135	22	contestant	contestant	NOUN
fsr-3324	135	23	does	do	AUX
fsr-3324	135	24	not	not	PART
fsr-3324	135	25	solely	solely	ADV
fsr-3324	135	26	rest	rest	VERB
fsr-3324	135	27	with	with	ADP
fsr-3324	135	28	the	the	DET
fsr-3324	135	29	player	player	NOUN
fsr-3324	135	30	.	.	PUNCT
fsr-3324	136	1	it	it	PRON
fsr-3324	136	2	is	be	AUX
fsr-3324	136	3	unlikely	unlikely	ADJ
fsr-3324	136	4	a	a	DET
fsr-3324	136	5	gameshow	gameshow	NOUN
fsr-3324	136	6	winning	win	VERB
fsr-3324	136	7	could	could	AUX
fsr-3324	136	8	be	be	AUX
fsr-3324	136	9	repeated	repeat	VERB
fsr-3324	136	10	,	,	PUNCT
fsr-3324	136	11	and	and	CCONJ
fsr-3324	136	12	that	that	PRON
fsr-3324	136	13	makes	make	VERB
fsr-3324	136	14	it	it	PRON
fsr-3324	136	15	different	different	ADJ
fsr-3324	136	16	from	from	ADP
fsr-3324	136	17	a	a	DET
fsr-3324	136	18	lottery	lottery	NOUN
fsr-3324	136	19	.	.	PUNCT
fsr-3324	137	1	how	how	SCONJ
fsr-3324	137	2	might	might	AUX
fsr-3324	137	3	the	the	DET
fsr-3324	137	4	recipient	recipient	NOUN
fsr-3324	137	5	consider	consider	VERB
fsr-3324	137	6	some	some	PRON
fsr-3324	137	7	of	of	ADP
fsr-3324	137	8	these	these	DET
fsr-3324	137	9	sources	source	NOUN
fsr-3324	137	10	as	as	ADP
fsr-3324	137	11	similar	similar	ADJ
fsr-3324	137	12	and	and	CCONJ
fsr-3324	137	13	others	other	NOUN
fsr-3324	137	14	as	as	ADP
fsr-3324	137	15	different	different	ADJ
fsr-3324	137	16	?	?	PUNCT
fsr-3324	137	17	lottery	lottery	NOUN
fsr-3324	137	18	winnings	winning	NOUN
fsr-3324	137	19	are	be	AUX
fsr-3324	137	20	similar	similar	ADJ
fsr-3324	137	21	to	to	ADP
fsr-3324	137	22	tax	tax	NOUN
fsr-3324	137	23	rebates	rebate	NOUN
fsr-3324	137	24	in	in	ADP
fsr-3324	137	25	the	the	DET
fsr-3324	137	26	united	united	PROPN
fsr-3324	137	27	states	states	PROPN
fsr-3324	137	28	,	,	PUNCT
fsr-3324	137	29	in	in	SCONJ
fsr-3324	137	30	that	that	SCONJ
fsr-3324	137	31	both	both	DET
fsr-3324	137	32	lottery	lottery	NOUN
fsr-3324	137	33	systems	system	NOUN
fsr-3324	137	34	and	and	CCONJ
fsr-3324	137	35	tax	tax	NOUN
fsr-3324	137	36	systems	system	NOUN
fsr-3324	137	37	are	be	AUX
fsr-3324	137	38	run	run	VERB
fsr-3324	137	39	by	by	ADP
fsr-3324	137	40	a	a	DET
fsr-3324	137	41	government	government	NOUN
fsr-3324	137	42	or	or	CCONJ
fsr-3324	137	43	its	its	PRON
fsr-3324	137	44	appointed	appoint	VERB
fsr-3324	137	45	agency	agency	NOUN
fsr-3324	137	46	.	.	PUNCT
fsr-3324	138	1	both	both	DET
fsr-3324	138	2	types	type	NOUN
fsr-3324	138	3	of	of	ADP
fsr-3324	138	4	payment	payment	NOUN
fsr-3324	138	5	amounts	amount	NOUN
fsr-3324	138	6	are	be	AUX
fsr-3324	138	7	largely	largely	ADV
fsr-3324	138	8	outside	outside	ADP
fsr-3324	138	9	the	the	DET
fsr-3324	138	10	respondent	respondent	NOUN
fsr-3324	138	11	’s	’s	PART
fsr-3324	138	12	control	control	NOUN
fsr-3324	138	13	.	.	PUNCT
fsr-3324	139	1	to	to	ADP
fsr-3324	139	2	what	what	DET
fsr-3324	139	3	extent	extent	NOUN
fsr-3324	139	4	the	the	DET
fsr-3324	139	5	money	money	NOUN
fsr-3324	139	6	is	be	AUX
fsr-3324	139	7	“	"	PUNCT
fsr-3324	139	8	earned	earn	VERB
fsr-3324	139	9	”	"	PUNCT
fsr-3324	139	10	is	be	AUX
fsr-3324	139	11	debatable	debatable	ADJ
fsr-3324	139	12	in	in	ADP
fsr-3324	139	13	both	both	DET
fsr-3324	139	14	cases	case	NOUN
fsr-3324	139	15	,	,	PUNCT
fsr-3324	139	16	but	but	CCONJ
fsr-3324	139	17	bonuses	bonus	NOUN
fsr-3324	139	18	and	and	CCONJ
fsr-3324	139	19	game	game	NOUN
fsr-3324	139	20	show	show	NOUN
fsr-3324	139	21	winnings	winning	NOUN
fsr-3324	139	22	—	—	PUNCT
fsr-3324	139	23	and	and	CCONJ
fsr-3324	139	24	sometimes	sometimes	ADV
fsr-3324	139	25	inheritances	inheritance	NOUN
fsr-3324	139	26	—	—	PUNCT
fsr-3324	139	27	require	require	VERB
fsr-3324	139	28	some	some	DET
fsr-3324	139	29	personal	personal	ADJ
fsr-3324	139	30	skill	skill	NOUN
fsr-3324	139	31	,	,	PUNCT
fsr-3324	139	32	knowledge	knowledge	NOUN
fsr-3324	139	33	,	,	PUNCT
fsr-3324	139	34	and	and	CCONJ
fsr-3324	139	35	effort	effort	NOUN
fsr-3324	139	36	.	.	PUNCT
fsr-3324	140	1	tax	tax	NOUN
fsr-3324	140	2	rebates	rebate	NOUN
fsr-3324	140	3	sometimes	sometimes	ADV
fsr-3324	140	4	differ	differ	VERB
fsr-3324	140	5	from	from	ADP
fsr-3324	140	6	the	the	DET
fsr-3324	140	7	other	other	ADJ
fsr-3324	140	8	four	four	NUM
fsr-3324	140	9	sources	source	NOUN
fsr-3324	140	10	of	of	ADP
fsr-3324	140	11	payment	payment	NOUN
fsr-3324	140	12	because	because	SCONJ
fsr-3324	140	13	the	the	DET
fsr-3324	140	14	tax	tax	NOUN
fsr-3324	140	15	rebate	rebate	NOUN
fsr-3324	140	16	is	be	AUX
fsr-3324	140	17	a	a	DET
fsr-3324	140	18	refund	refund	NOUN
fsr-3324	140	19	or	or	CCONJ
fsr-3324	140	20	return	return	NOUN
fsr-3324	140	21	of	of	ADP
fsr-3324	140	22	withholdings	withholding	NOUN
fsr-3324	140	23	the	the	DET
fsr-3324	140	24	taxpayer	taxpayer	NOUN
fsr-3324	140	25	has	have	AUX
fsr-3324	140	26	previously	previously	ADV
fsr-3324	140	27	paid	pay	VERB
fsr-3324	140	28	in	in	ADP
fsr-3324	140	29	.	.	PUNCT
fsr-3324	141	1	that	that	PRON
fsr-3324	141	2	is	is	ADV
fsr-3324	141	3	,	,	PUNCT
fsr-3324	141	4	outside	outside	ADV
fsr-3324	141	5	of	of	ADP
fsr-3324	141	6	refundable	refundable	ADJ
fsr-3324	141	7	credits	credit	NOUN
fsr-3324	141	8	tied	tie	VERB
fsr-3324	141	9	to	to	ADP
fsr-3324	141	10	specific	specific	ADJ
fsr-3324	141	11	performance	performance	NOUN
fsr-3324	141	12	,	,	PUNCT
fsr-3324	141	13	respondents	respondent	NOUN
fsr-3324	141	14	generally	generally	ADV
fsr-3324	141	15	can	can	AUX
fsr-3324	141	16	not	not	PART
fsr-3324	141	17	materially	materially	ADV
fsr-3324	141	18	profit	profit	VERB
fsr-3324	141	19	from	from	ADP
fsr-3324	141	20	a	a	DET
fsr-3324	141	21	tax	tax	NOUN
fsr-3324	141	22	rebate	rebate	NOUN
fsr-3324	141	23	because	because	SCONJ
fsr-3324	141	24	it	it	PRON
fsr-3324	141	25	is	be	AUX
fsr-3324	141	26	a	a	DET
fsr-3324	141	27	refund	refund	NOUN
fsr-3324	141	28	of	of	ADP
fsr-3324	141	29	money	money	NOUN
fsr-3324	141	30	already	already	ADV
fsr-3324	141	31	paid	pay	VERB
fsr-3324	141	32	in	in	ADP
fsr-3324	141	33	,	,	PUNCT
fsr-3324	141	34	but	but	CCONJ
fsr-3324	141	35	can	can	AUX
fsr-3324	141	36	profit	profit	VERB
fsr-3324	141	37	from	from	ADP
fsr-3324	141	38	a	a	DET
fsr-3324	141	39	lottery	lottery	NOUN
fsr-3324	141	40	,	,	PUNCT
fsr-3324	141	41	game	game	NOUN
fsr-3324	141	42	show	show	NOUN
fsr-3324	141	43	,	,	PUNCT
fsr-3324	141	44	or	or	CCONJ
fsr-3324	141	45	bonus	bonus	NOUN
fsr-3324	141	46	.	.	PUNCT
fsr-3324	142	1	an	an	DET
fsr-3324	142	2	inheritance	inheritance	NOUN
fsr-3324	142	3	is	be	AUX
fsr-3324	142	4	not	not	PART
fsr-3324	142	5	a	a	DET
fsr-3324	142	6	profit	profit	NOUN
fsr-3324	142	7	,	,	PUNCT
fsr-3324	142	8	per	per	X
fsr-3324	142	9	se	se	ADV
fsr-3324	142	10	,	,	PUNCT
fsr-3324	142	11	but	but	CCONJ
fsr-3324	142	12	is	be	AUX
fsr-3324	142	13	generally	generally	ADV
fsr-3324	142	14	not	not	PART
fsr-3324	142	15	a	a	DET
fsr-3324	142	16	return	return	NOUN
fsr-3324	142	17	of	of	ADP
fsr-3324	142	18	one	one	NUM
fsr-3324	142	19	’s	’s	PART
fsr-3324	142	20	own	own	ADJ
fsr-3324	142	21	capital	capital	NOUN
fsr-3324	142	22	.	.	PUNCT
fsr-3324	143	1	inheritances	inheritance	NOUN
fsr-3324	143	2	might	might	AUX
fsr-3324	143	3	be	be	AUX
fsr-3324	143	4	property	property	NOUN
fsr-3324	143	5	or	or	CCONJ
fsr-3324	143	6	money	money	NOUN
fsr-3324	143	7	that	that	PRON
fsr-3324	143	8	carries	carry	VERB
fsr-3324	143	9	with	with	ADP
fsr-3324	143	10	it	it	PRON
fsr-3324	143	11	memories	memory	NOUN
fsr-3324	143	12	of	of	ADP
fsr-3324	143	13	the	the	DET
fsr-3324	143	14	decedent	decedent	NOUN
fsr-3324	143	15	,	,	PUNCT
fsr-3324	143	16	and	and	CCONJ
fsr-3324	143	17	those	those	DET
fsr-3324	143	18	emotions	emotion	NOUN
fsr-3324	143	19	(	(	PUNCT
fsr-3324	143	20	affective	affective	NOUN
fsr-3324	143	21	tags	tag	NOUN
fsr-3324	143	22	;	;	PUNCT
fsr-3324	143	23	levav	levav	PROPN
fsr-3324	143	24	&	&	CCONJ
fsr-3324	143	25	mcgraw	mcgraw	PROPN
fsr-3324	143	26	,	,	PUNCT
fsr-3324	143	27	2009	2009	NUM
fsr-3324	143	28	)	)	PUNCT
fsr-3324	143	29	might	might	AUX
fsr-3324	143	30	carry	carry	VERB
fsr-3324	143	31	over	over	ADP
fsr-3324	143	32	to	to	ADP
fsr-3324	143	33	how	how	SCONJ
fsr-3324	143	34	the	the	DET
fsr-3324	143	35	respondent	respondent	NOUN
fsr-3324	143	36	intends	intend	VERB
fsr-3324	143	37	to	to	PART
fsr-3324	143	38	use	use	VERB
fsr-3324	143	39	the	the	DET
fsr-3324	143	40	inheritance	inheritance	NOUN
fsr-3324	143	41	.	.	PUNCT
fsr-3324	144	1	further	far	ADV
fsr-3324	144	2	,	,	PUNCT
fsr-3324	144	3	some	some	DET
fsr-3324	144	4	political	political	ADJ
fsr-3324	144	5	rhetoric	rhetoric	NOUN
fsr-3324	144	6	frames	frame	VERB
fsr-3324	144	7	taxes	taxis	NOUN
fsr-3324	144	8	as	as	ADP
fsr-3324	144	9	money	money	NOUN
fsr-3324	144	10	belonging	belong	VERB
fsr-3324	144	11	fundamentally	fundamentally	ADV
fsr-3324	144	12	to	to	ADP
fsr-3324	144	13	taxpayers	taxpayer	NOUN
fsr-3324	144	14	,	,	PUNCT
fsr-3324	144	15	not	not	PART
fsr-3324	144	16	the	the	DET
fsr-3324	144	17	government	government	NOUN
fsr-3324	144	18	,	,	PUNCT
fsr-3324	144	19	whereas	whereas	SCONJ
fsr-3324	144	20	lottery	lottery	NOUN
fsr-3324	144	21	winnings	winning	NOUN
fsr-3324	144	22	come	come	VERB
fsr-3324	144	23	with	with	ADP
fsr-3324	144	24	no	no	DET
fsr-3324	144	25	similar	similar	ADJ
fsr-3324	144	26	sense	sense	NOUN
fsr-3324	144	27	of	of	ADP
fsr-3324	144	28	entitlement	entitlement	NOUN
fsr-3324	144	29	.	.	PUNCT
fsr-3324	145	1	bonuses	bonus	NOUN
fsr-3324	145	2	are	be	AUX
fsr-3324	145	3	likely	likely	ADJ
fsr-3324	145	4	to	to	PART
fsr-3324	145	5	be	be	AUX
fsr-3324	145	6	closely	closely	ADV
fsr-3324	145	7	tied	tie	VERB
fsr-3324	145	8	to	to	ADP
fsr-3324	145	9	an	an	DET
fsr-3324	145	10	individual	individual	NOUN
fsr-3324	145	11	’s	’s	PART
fsr-3324	145	12	performance	performance	NOUN
fsr-3324	145	13	,	,	PUNCT
fsr-3324	145	14	however	however	ADV
fsr-3324	145	15	.	.	PUNCT
fsr-3324	146	1	game	game	NOUN
fsr-3324	146	2	show	show	NOUN
fsr-3324	146	3	winnings	winning	NOUN
fsr-3324	146	4	might	might	AUX
fsr-3324	146	5	be	be	AUX
fsr-3324	146	6	as	as	ADV
fsr-3324	146	7	well	well	ADV
fsr-3324	146	8	,	,	PUNCT
fsr-3324	146	9	if	if	SCONJ
fsr-3324	146	10	the	the	DET
fsr-3324	146	11	winner	winner	NOUN
fsr-3324	146	12	attributes	attribute	VERB
fsr-3324	146	13	success	success	NOUN
fsr-3324	146	14	to	to	ADP
fsr-3324	146	15	having	have	VERB
fsr-3324	146	16	a	a	DET
fsr-3324	146	17	higher	high	ADJ
fsr-3324	146	18	skill	skill	NOUN
fsr-3324	146	19	level	level	NOUN
fsr-3324	146	20	than	than	ADP
fsr-3324	146	21	fellow	fellow	ADJ
fsr-3324	146	22	contestants	contestant	NOUN
fsr-3324	146	23	.	.	PUNCT
fsr-3324	147	1	that	that	PRON
fsr-3324	147	2	is	be	AUX
fsr-3324	147	3	,	,	PUNCT
fsr-3324	147	4	difference	difference	NOUN
fsr-3324	147	5	in	in	ADP
fsr-3324	147	6	amount	amount	NOUN
fsr-3324	147	7	saved	save	VERB
fsr-3324	147	8	by	by	ADP
fsr-3324	147	9	source	source	NOUN
fsr-3324	147	10	is	be	AUX
fsr-3324	147	11	to	to	PART
fsr-3324	147	12	be	be	AUX
fsr-3324	147	13	expected	expect	VERB
fsr-3324	147	14	,	,	PUNCT
fsr-3324	147	15	but	but	CCONJ
fsr-3324	147	16	no	no	DET
fsr-3324	147	17	source	source	NOUN
fsr-3324	147	18	is	be	AUX
fsr-3324	147	19	absolute	absolute	ADJ
fsr-3324	147	20	and	and	CCONJ
fsr-3324	147	21	completely	completely	ADV
fsr-3324	147	22	separate	separate	ADJ
fsr-3324	147	23	in	in	ADP
fsr-3324	147	24	characteristics	characteristic	NOUN
fsr-3324	147	25	from	from	ADP
fsr-3324	147	26	the	the	DET
fsr-3324	147	27	other	other	ADJ
fsr-3324	147	28	sources	source	NOUN
fsr-3324	147	29	,	,	PUNCT
fsr-3324	147	30	biasing	bias	VERB
fsr-3324	147	31	against	against	ADP
fsr-3324	147	32	finding	find	VERB
fsr-3324	147	33	any	any	DET
fsr-3324	147	34	differences	difference	NOUN
fsr-3324	147	35	.	.	PUNCT
fsr-3324	148	1	with	with	ADP
fsr-3324	148	2	that	that	PRON
fsr-3324	148	3	in	in	ADP
fsr-3324	148	4	mind	mind	NOUN
fsr-3324	148	5	,	,	PUNCT
fsr-3324	148	6	the	the	DET
fsr-3324	148	7	null	null	ADJ
fsr-3324	148	8	hypothesis	hypothesis	NOUN
fsr-3324	148	9	is	be	AUX
fsr-3324	148	10	:	:	PUNCT
fsr-3324	148	11	h1	h1	ADJ
fsr-3324	148	12	:	:	PUNCT
fsr-3324	148	13	there	there	PRON
fsr-3324	148	14	will	will	AUX
fsr-3324	148	15	be	be	AUX
fsr-3324	148	16	no	no	DET
fsr-3324	148	17	difference	difference	NOUN
fsr-3324	148	18	in	in	ADP
fsr-3324	148	19	savings	saving	NOUN
fsr-3324	148	20	rates	rate	NOUN
fsr-3324	148	21	by	by	ADP
fsr-3324	148	22	source	source	NOUN
fsr-3324	148	23	of	of	ADP
fsr-3324	148	24	windfall	windfall	NOUN
fsr-3324	148	25	.	.	PUNCT
fsr-3324	149	1	in	in	ADP
fsr-3324	149	2	testing	test	VERB
fsr-3324	149	3	this	this	DET
fsr-3324	149	4	hypothesis	hypothesis	NOUN
fsr-3324	149	5	,	,	PUNCT
fsr-3324	149	6	the	the	DET
fsr-3324	149	7	amount	amount	NOUN
fsr-3324	149	8	of	of	ADP
fsr-3324	149	9	the	the	DET
fsr-3324	149	10	income	income	NOUN
fsr-3324	149	11	was	be	AUX
fsr-3324	149	12	controlled	control	VERB
fsr-3324	149	13	for	for	ADP
fsr-3324	149	14	,	,	PUNCT
fsr-3324	149	15	as	as	SCONJ
fsr-3324	149	16	were	be	AUX
fsr-3324	149	17	the	the	DET
fsr-3324	149	18	order	order	NOUN
fsr-3324	149	19	of	of	ADP
fsr-3324	149	20	presentation	presentation	NOUN
fsr-3324	149	21	,	,	PUNCT
fsr-3324	149	22	the	the	DET
fsr-3324	149	23	frequency	frequency	NOUN
fsr-3324	149	24	of	of	ADP
fsr-3324	149	25	payments	payment	NOUN
fsr-3324	149	26	and	and	CCONJ
fsr-3324	149	27	the	the	DET
fsr-3324	149	28	demographic	demographic	ADJ
fsr-3324	149	29	characteristics	characteristic	NOUN
fsr-3324	149	30	of	of	ADP
fsr-3324	149	31	the	the	DET
fsr-3324	149	32	respondents	respondent	NOUN
fsr-3324	149	33	.	.	PUNCT
fsr-3324	150	1	4	4	X
fsr-3324	150	2	.	.	X
fsr-3324	150	3	methodology	methodology	NOUN
fsr-3324	150	4	sheppard	sheppard	PROPN
fsr-3324	150	5	et	et	PROPN
fsr-3324	150	6	al	al	PROPN
fsr-3324	150	7	.	.	PROPN
fsr-3324	150	8	’s	’s	PART
fsr-3324	150	9	(	(	PUNCT
fsr-3324	150	10	1988	1988	NUM
fsr-3324	150	11	)	)	PUNCT
fsr-3324	150	12	meta	meta	NOUN
fsr-3324	150	13	-	-	PUNCT
fsr-3324	150	14	analysis	analysis	NOUN
fsr-3324	150	15	of	of	ADP
fsr-3324	150	16	86	86	NUM
fsr-3324	150	17	theory	theory	NOUN
fsr-3324	150	18	-	-	PUNCT
fsr-3324	150	19	of	of	ADP
fsr-3324	150	20	-	-	PUNCT
fsr-3324	150	21	reasoned	reason	VERB
fsr-3324	150	22	-	-	PUNCT
fsr-3324	150	23	action	action	NOUN
fsr-3324	150	24	studies	study	NOUN
fsr-3324	150	25	found	find	VERB
fsr-3324	150	26	a	a	DET
fsr-3324	150	27	0.53	0.53	NUM
fsr-3324	150	28	correlation	correlation	NOUN
fsr-3324	150	29	between	between	ADP
fsr-3324	150	30	intention	intention	NOUN
fsr-3324	150	31	and	and	CCONJ
fsr-3324	150	32	behavior	behavior	NOUN
fsr-3324	150	33	,	,	PUNCT
fsr-3324	150	34	indicating	indicate	VERB
fsr-3324	150	35	that	that	SCONJ
fsr-3324	150	36	intent	intent	NOUN
fsr-3324	150	37	is	be	AUX
fsr-3324	150	38	a	a	DET
fsr-3324	150	39	good	good	ADJ
fsr-3324	150	40	predictor	predictor	NOUN
fsr-3324	150	41	of	of	ADP
fsr-3324	150	42	action	action	NOUN
fsr-3324	150	43	.	.	PUNCT
fsr-3324	151	1	for	for	ADP
fsr-3324	151	2	this	this	DET
fsr-3324	151	3	study	study	NOUN
fsr-3324	151	4	,	,	PUNCT
fsr-3324	151	5	on	on	ADP
fsr-3324	151	6	each	each	DET
fsr-3324	151	7	survey	survey	NOUN
fsr-3324	151	8	instrument	instrument	NOUN
fsr-3324	151	9	,	,	PUNCT
fsr-3324	151	10	two	two	NUM
fsr-3324	151	11	of	of	ADP
fsr-3324	151	12	the	the	DET
fsr-3324	151	13	five	five	NUM
fsr-3324	151	14	different	different	ADJ
fsr-3324	151	15	sources	source	NOUN
fsr-3324	151	16	of	of	ADP
fsr-3324	151	17	windfall	windfall	NOUN
fsr-3324	151	18	were	be	AUX
fsr-3324	151	19	presented	present	VERB
fsr-3324	151	20	,	,	PUNCT
fsr-3324	151	21	resulting	result	VERB
fsr-3324	151	22	in	in	ADP
fsr-3324	151	23	10	10	NUM
fsr-3324	151	24	unique	unique	ADJ
fsr-3324	151	25	pairings	pairing	NOUN
fsr-3324	151	26	.	.	PUNCT
fsr-3324	152	1	these	these	DET
fsr-3324	152	2	10	10	NUM
fsr-3324	152	3	pairings	pairing	NOUN
fsr-3324	152	4	were	be	AUX
fsr-3324	152	5	tested	test	VERB
fsr-3324	152	6	at	at	ADP
fsr-3324	152	7	four	four	NUM
fsr-3324	152	8	different	different	ADJ
fsr-3324	152	9	gain	gain	NOUN
fsr-3324	152	10	amounts	amount	NOUN
fsr-3324	152	11	found	find	VERB
fsr-3324	152	12	in	in	ADP
fsr-3324	152	13	chambers	chamber	NOUN
fsr-3324	152	14	and	and	CCONJ
fsr-3324	152	15	spencer	spencer	PROPN
fsr-3324	152	16	(	(	PUNCT
fsr-3324	152	17	2008	2008	NUM
fsr-3324	152	18	)	)	PUNCT
fsr-3324	152	19	.	.	PUNCT
fsr-3324	153	1	these	these	DET
fsr-3324	153	2	40	40	NUM
fsr-3324	153	3	instruments	instrument	NOUN
fsr-3324	153	4	were	be	AUX
fsr-3324	153	5	then	then	ADV
fsr-3324	153	6	tested	test	VERB
fsr-3324	153	7	with	with	ADP
fsr-3324	153	8	the	the	DET
fsr-3324	153	9	total	total	ADJ
fsr-3324	153	10	amount	amount	NOUN
fsr-3324	153	11	paid	pay	VERB
fsr-3324	153	12	in	in	ADP
fsr-3324	153	13	a	a	DET
fsr-3324	153	14	lump	lump	NOUN
fsr-3324	153	15	sum	sum	NOUN
fsr-3324	153	16	,	,	PUNCT
fsr-3324	153	17	as	as	ADV
fsr-3324	153	18	well	well	ADV
fsr-3324	153	19	as	as	ADP
fsr-3324	153	20	paid	pay	VERB
fsr-3324	153	21	out	out	ADP
fsr-3324	153	22	in	in	ADP
fsr-3324	153	23	12	12	NUM
fsr-3324	153	24	monthly	monthly	ADJ
fsr-3324	153	25	installments	installment	NOUN
fsr-3324	153	26	;	;	PUNCT
fsr-3324	153	27	but	but	CCONJ
fsr-3324	153	28	to	to	PART
fsr-3324	153	29	control	control	VERB
fsr-3324	153	30	for	for	ADP
fsr-3324	153	31	order	order	NOUN
fsr-3324	153	32	effect	effect	NOUN
fsr-3324	153	33	,	,	PUNCT
fsr-3324	153	34	half	half	NOUN
fsr-3324	153	35	showed	show	VERB
fsr-3324	153	36	the	the	DET
fsr-3324	153	37	monthly	monthly	ADJ
fsr-3324	153	38	installments	installment	NOUN
fsr-3324	153	39	first	first	ADV
fsr-3324	153	40	and	and	CCONJ
fsr-3324	153	41	the	the	DET
fsr-3324	153	42	other	other	ADJ
fsr-3324	153	43	showed	show	VERB
fsr-3324	153	44	the	the	DET
fsr-3324	153	45	lump	lump	NOUN
fsr-3324	153	46	sum	sum	NOUN
fsr-3324	153	47	first	first	ADV
fsr-3324	153	48	,	,	PUNCT
fsr-3324	153	49	resulting	result	VERB
fsr-3324	153	50	in	in	ADP
fsr-3324	153	51	80	80	NUM
fsr-3324	153	52	different	different	ADJ
fsr-3324	153	53	instruments	instrument	NOUN
fsr-3324	153	54	.	.	PUNCT
fsr-3324	154	1	each	each	DET
fsr-3324	154	2	participant	participant	PROPN
fsr-3324	154	3	297v	297v	PROPN
fsr-3324	154	4	.	.	PUNCT
fsr-3324	155	1	chambers	chamber	NOUN
fsr-3324	155	2	et	et	PROPN
fsr-3324	155	3	al	al	PROPN
fsr-3324	155	4	.	.	PUNCT
fsr-3324	155	5	/	/	SYM
fsr-3324	155	6	financial	financial	ADJ
fsr-3324	155	7	services	service	NOUN
fsr-3324	155	8	review	review	VERB
fsr-3324	155	9	26	26	NUM
fsr-3324	155	10	(	(	PUNCT
fsr-3324	155	11	2017	2017	NUM
fsr-3324	155	12	)	)	PUNCT
fsr-3324	155	13	291–313	291–313	NUM
fsr-3324	155	14	was	be	AUX
fsr-3324	155	15	given	give	VERB
fsr-3324	155	16	one	one	NUM
fsr-3324	155	17	of	of	ADP
fsr-3324	155	18	these	these	DET
fsr-3324	155	19	80	80	NUM
fsr-3324	155	20	instruments	instrument	NOUN
fsr-3324	155	21	at	at	ADP
fsr-3324	155	22	random	random	ADJ
fsr-3324	155	23	and	and	CCONJ
fsr-3324	155	24	asked	ask	VERB
fsr-3324	155	25	how	how	SCONJ
fsr-3324	155	26	the	the	DET
fsr-3324	155	27	funds	fund	NOUN
fsr-3324	155	28	would	would	AUX
fsr-3324	155	29	be	be	AUX
fsr-3324	155	30	used	use	VERB
fsr-3324	155	31	,	,	PUNCT
fsr-3324	155	32	both	both	CCONJ
fsr-3324	155	33	if	if	SCONJ
fsr-3324	155	34	received	receive	VERB
fsr-3324	155	35	as	as	ADP
fsr-3324	155	36	a	a	DET
fsr-3324	155	37	lump	lump	NOUN
fsr-3324	155	38	-	-	PUNCT
fsr-3324	155	39	sum	sum	NOUN
fsr-3324	155	40	and	and	CCONJ
fsr-3324	155	41	if	if	SCONJ
fsr-3324	155	42	the	the	DET
fsr-3324	155	43	same	same	ADJ
fsr-3324	155	44	amount	amount	NOUN
fsr-3324	155	45	were	be	AUX
fsr-3324	155	46	received	receive	VERB
fsr-3324	155	47	over	over	ADP
fsr-3324	155	48	12	12	NUM
fsr-3324	155	49	equal	equal	ADJ
fsr-3324	155	50	monthly	monthly	ADJ
fsr-3324	155	51	payments	payment	NOUN
fsr-3324	155	52	(	(	PUNCT
fsr-3324	155	53	within	within	ADP
fsr-3324	155	54	-	-	PUNCT
fsr-3324	155	55	subject	subject	NOUN
fsr-3324	155	56	design	design	NOUN
fsr-3324	155	57	)	)	PUNCT
fsr-3324	155	58	,	,	PUNCT
fsr-3324	155	59	from	from	ADP
fsr-3324	155	60	two	two	NUM
fsr-3324	155	61	of	of	ADP
fsr-3324	155	62	these	these	DET
fsr-3324	155	63	five	five	NUM
fsr-3324	155	64	sources	source	NOUN
fsr-3324	155	65	:	:	PUNCT
fsr-3324	155	66	bonus	bonus	NOUN
fsr-3324	155	67	,	,	PUNCT
fsr-3324	155	68	game	game	NOUN
fsr-3324	155	69	show	show	NOUN
fsr-3324	155	70	winnings	winning	NOUN
fsr-3324	155	71	,	,	PUNCT
fsr-3324	155	72	inheritances	inheritance	NOUN
fsr-3324	155	73	,	,	PUNCT
fsr-3324	155	74	lottery	lottery	NOUN
fsr-3324	155	75	winnings	winning	NOUN
fsr-3324	155	76	,	,	PUNCT
fsr-3324	155	77	and	and	CCONJ
fsr-3324	155	78	tax	tax	NOUN
fsr-3324	155	79	rebates	rebate	NOUN
fsr-3324	155	80	(	(	PUNCT
fsr-3324	155	81	between	between	ADP
fsr-3324	155	82	-	-	PUNCT
fsr-3324	155	83	subjects	subject	NOUN
fsr-3324	155	84	design	design	NOUN
fsr-3324	155	85	)	)	PUNCT
fsr-3324	155	86	.	.	PUNCT
fsr-3324	156	1	each	each	DET
fsr-3324	156	2	instrument	instrument	NOUN
fsr-3324	156	3	hypothesized	hypothesize	VERB
fsr-3324	156	4	one	one	NUM
fsr-3324	156	5	of	of	ADP
fsr-3324	156	6	these	these	DET
fsr-3324	156	7	four	four	NUM
fsr-3324	156	8	different	different	ADJ
fsr-3324	156	9	amounts	amount	NOUN
fsr-3324	156	10	:	:	PUNCT
fsr-3324	156	11	$	$	SYM
fsr-3324	156	12	300	300	NUM
fsr-3324	156	13	,	,	PUNCT
fsr-3324	156	14	$	$	SYM
fsr-3324	156	15	600	600	NUM
fsr-3324	156	16	,	,	PUNCT
fsr-3324	156	17	$	$	SYM
fsr-3324	156	18	1,500	1,500	NUM
fsr-3324	156	19	,	,	PUNCT
fsr-3324	156	20	and	and	CCONJ
fsr-3324	156	21	$	$	SYM
fsr-3324	156	22	3,000	3,000	NUM
fsr-3324	156	23	.	.	PUNCT
fsr-3324	157	1	see	see	VERB
fsr-3324	157	2	appendix	appendix	NOUN
fsr-3324	157	3	for	for	ADP
fsr-3324	157	4	a	a	DET
fsr-3324	157	5	sample	sample	NOUN
fsr-3324	157	6	survey	survey	NOUN
fsr-3324	157	7	instrument	instrument	NOUN
fsr-3324	157	8	.	.	PUNCT
fsr-3324	158	1	the	the	DET
fsr-3324	158	2	instruments	instrument	NOUN
fsr-3324	158	3	asked	ask	VERB
fsr-3324	158	4	how	how	SCONJ
fsr-3324	158	5	much	much	ADJ
fsr-3324	158	6	of	of	ADP
fsr-3324	158	7	a	a	DET
fsr-3324	158	8	lump	lump	NOUN
fsr-3324	158	9	sum	sum	NOUN
fsr-3324	158	10	refund	refund	NOUN
fsr-3324	158	11	would	would	AUX
fsr-3324	158	12	be	be	AUX
fsr-3324	158	13	used	use	VERB
fsr-3324	158	14	for	for	ADP
fsr-3324	158	15	:	:	PUNCT
fsr-3324	158	16	(	(	PUNCT
fsr-3324	158	17	1	1	X
fsr-3324	158	18	)	)	PUNCT
fsr-3324	158	19	investing	investing	NOUN
fsr-3324	158	20	,	,	PUNCT
fsr-3324	158	21	(	(	PUNCT
fsr-3324	158	22	2	2	X
fsr-3324	158	23	)	)	PUNCT
fsr-3324	158	24	paying	pay	VERB
fsr-3324	158	25	off	off	ADP
fsr-3324	158	26	credit	credit	NOUN
fsr-3324	158	27	card	card	NOUN
fsr-3324	158	28	debt	debt	NOUN
fsr-3324	158	29	,	,	PUNCT
fsr-3324	158	30	(	(	PUNCT
fsr-3324	158	31	3	3	X
fsr-3324	158	32	)	)	PUNCT
fsr-3324	158	33	paying	pay	VERB
fsr-3324	158	34	off	off	ADP
fsr-3324	158	35	notes	note	NOUN
fsr-3324	158	36	,	,	PUNCT
fsr-3324	158	37	(	(	PUNCT
fsr-3324	158	38	4	4	X
fsr-3324	158	39	)	)	PUNCT
fsr-3324	158	40	regular	regular	ADJ
fsr-3324	158	41	monthly	monthly	ADJ
fsr-3324	158	42	expenses	expense	NOUN
fsr-3324	158	43	,	,	PUNCT
fsr-3324	158	44	(	(	PUNCT
fsr-3324	158	45	5	5	X
fsr-3324	158	46	)	)	PUNCT
fsr-3324	158	47	buying	buy	VERB
fsr-3324	158	48	a	a	DET
fsr-3324	158	49	durable	durable	ADJ
fsr-3324	158	50	asset	asset	NOUN
fsr-3324	158	51	,	,	PUNCT
fsr-3324	158	52	(	(	PUNCT
fsr-3324	158	53	6	6	X
fsr-3324	158	54	)	)	PUNCT
fsr-3324	158	55	saving	save	VERB
fsr-3324	158	56	for	for	ADP
fsr-3324	158	57	an	an	DET
fsr-3324	158	58	infrequent	infrequent	ADJ
fsr-3324	158	59	expense	expense	NOUN
fsr-3324	158	60	,	,	PUNCT
fsr-3324	158	61	and/or	and/or	CCONJ
fsr-3324	158	62	(	(	PUNCT
fsr-3324	158	63	7	7	X
fsr-3324	158	64	)	)	PUNCT
fsr-3324	158	65	used	use	VERB
fsr-3324	158	66	for	for	ADP
fsr-3324	158	67	fun	fun	NOUN
fsr-3324	158	68	.	.	PUNCT
fsr-3324	159	1	hershfield	hershfield	PROPN
fsr-3324	159	2	et	et	PROPN
fsr-3324	159	3	al	al	PROPN
fsr-3324	159	4	.	.	PROPN
fsr-3324	160	1	(	(	PUNCT
fsr-3324	160	2	2015	2015	NUM
fsr-3324	160	3	)	)	PUNCT
fsr-3324	160	4	found	find	VERB
fsr-3324	160	5	that	that	SCONJ
fsr-3324	160	6	consumers	consumer	NOUN
fsr-3324	160	7	’	’	PART
fsr-3324	160	8	tendency	tendency	NOUN
fsr-3324	160	9	to	to	PART
fsr-3324	160	10	place	place	VERB
fsr-3324	160	11	savings	saving	NOUN
fsr-3324	160	12	and	and	CCONJ
fsr-3324	160	13	debt	debt	NOUN
fsr-3324	160	14	into	into	ADP
fsr-3324	160	15	separate	separate	ADJ
fsr-3324	160	16	mental	mental	ADJ
fsr-3324	160	17	accounts	account	NOUN
fsr-3324	160	18	makes	make	VERB
fsr-3324	160	19	them	they	PRON
fsr-3324	160	20	insensitive	insensitive	ADJ
fsr-3324	160	21	to	to	ADP
fsr-3324	160	22	the	the	DET
fsr-3324	160	23	significant	significant	ADJ
fsr-3324	160	24	differences	difference	NOUN
fsr-3324	160	25	between	between	ADP
fsr-3324	160	26	the	the	DET
fsr-3324	160	27	interest	interest	NOUN
fsr-3324	160	28	rates	rate	NOUN
fsr-3324	160	29	on	on	ADP
fsr-3324	160	30	these	these	DET
fsr-3324	160	31	accounts	account	NOUN
fsr-3324	160	32	.	.	PUNCT
fsr-3324	161	1	the	the	DET
fsr-3324	161	2	instrument	instrument	NOUN
fsr-3324	161	3	also	also	ADV
fsr-3324	161	4	asked	ask	VERB
fsr-3324	161	5	how	how	SCONJ
fsr-3324	161	6	much	much	ADJ
fsr-3324	161	7	of	of	ADP
fsr-3324	161	8	a	a	DET
fsr-3324	161	9	monthly	monthly	ADJ
fsr-3324	161	10	payment	payment	NOUN
fsr-3324	161	11	(	(	PUNCT
fsr-3324	161	12	equal	equal	ADJ
fsr-3324	161	13	to	to	ADP
fsr-3324	161	14	1/12	1/12	NUM
fsr-3324	161	15	of	of	ADP
fsr-3324	161	16	the	the	DET
fsr-3324	161	17	lump	lump	NOUN
fsr-3324	161	18	sum	sum	NOUN
fsr-3324	161	19	amount	amount	NOUN
fsr-3324	161	20	)	)	PUNCT
fsr-3324	161	21	would	would	AUX
fsr-3324	161	22	be	be	AUX
fsr-3324	161	23	used	use	VERB
fsr-3324	161	24	for	for	ADP
fsr-3324	161	25	each	each	PRON
fsr-3324	161	26	of	of	ADP
fsr-3324	161	27	these	these	DET
fsr-3324	161	28	seven	seven	NUM
fsr-3324	161	29	purposes	purpose	NOUN
fsr-3324	161	30	,	,	PUNCT
fsr-3324	161	31	consistent	consistent	ADJ
fsr-3324	161	32	with	with	ADP
fsr-3324	161	33	chambers	chamber	NOUN
fsr-3324	161	34	and	and	CCONJ
fsr-3324	161	35	spencer	spencer	PROPN
fsr-3324	161	36	(	(	PUNCT
fsr-3324	161	37	2008	2008	NUM
fsr-3324	161	38	)	)	PUNCT
fsr-3324	161	39	.	.	PUNCT
fsr-3324	162	1	similarly	similarly	ADV
fsr-3324	162	2	,	,	PUNCT
fsr-3324	162	3	the	the	DET
fsr-3324	162	4	opposite	opposite	ADJ
fsr-3324	162	5	side	side	NOUN
fsr-3324	162	6	of	of	ADP
fsr-3324	162	7	each	each	DET
fsr-3324	162	8	instrument	instrument	NOUN
fsr-3324	162	9	asked	ask	VERB
fsr-3324	162	10	these	these	DET
fsr-3324	162	11	same	same	ADJ
fsr-3324	162	12	questions	question	NOUN
fsr-3324	162	13	,	,	PUNCT
fsr-3324	162	14	changing	change	VERB
fsr-3324	162	15	only	only	ADV
fsr-3324	162	16	the	the	DET
fsr-3324	162	17	source	source	NOUN
fsr-3324	162	18	of	of	ADP
fsr-3324	162	19	the	the	DET
fsr-3324	162	20	payment	payment	NOUN
fsr-3324	162	21	from	from	ADP
fsr-3324	162	22	one	one	NUM
fsr-3324	162	23	source	source	NOUN
fsr-3324	162	24	to	to	ADP
fsr-3324	162	25	another	another	PRON
fsr-3324	162	26	—	—	PUNCT
fsr-3324	162	27	such	such	ADJ
fsr-3324	162	28	as	as	ADP
fsr-3324	162	29	from	from	ADP
fsr-3324	162	30	a	a	DET
fsr-3324	162	31	tax	tax	NOUN
fsr-3324	162	32	rebate	rebate	NOUN
fsr-3324	162	33	to	to	ADP
fsr-3324	162	34	a	a	DET
fsr-3324	162	35	lottery	lottery	NOUN
fsr-3324	162	36	,	,	PUNCT
fsr-3324	162	37	work	work	NOUN
fsr-3324	162	38	bonus	bonus	NOUN
fsr-3324	162	39	,	,	PUNCT
fsr-3324	162	40	inheritance	inheritance	NOUN
fsr-3324	162	41	,	,	PUNCT
fsr-3324	162	42	or	or	CCONJ
fsr-3324	162	43	game	game	NOUN
fsr-3324	162	44	show	show	NOUN
fsr-3324	162	45	payment	payment	NOUN
fsr-3324	162	46	.	.	PUNCT
fsr-3324	163	1	experimental	experimental	ADJ
fsr-3324	163	2	questionnaires	questionnaire	NOUN
fsr-3324	163	3	were	be	AUX
fsr-3324	163	4	distributed	distribute	VERB
fsr-3324	163	5	to	to	ADP
fsr-3324	163	6	university	university	NOUN
fsr-3324	163	7	students	student	NOUN
fsr-3324	163	8	at	at	ADP
fsr-3324	163	9	these	these	DET
fsr-3324	163	10	universities	university	NOUN
fsr-3324	163	11	:	:	PUNCT
fsr-3324	163	12	coastal	coastal	PROPN
fsr-3324	163	13	carolina	carolina	PROPN
fsr-3324	163	14	university	university	PROPN
fsr-3324	163	15	,	,	PUNCT
fsr-3324	163	16	francis	francis	PROPN
fsr-3324	163	17	marion	marion	PROPN
fsr-3324	163	18	university	university	PROPN
fsr-3324	163	19	,	,	PUNCT
fsr-3324	163	20	longwood	longwood	PROPN
fsr-3324	163	21	university	university	PROPN
fsr-3324	163	22	,	,	PUNCT
fsr-3324	163	23	metropolitan	metropolitan	PROPN
fsr-3324	163	24	state	state	PROPN
fsr-3324	163	25	university	university	PROPN
fsr-3324	163	26	of	of	ADP
fsr-3324	163	27	denver	denver	PROPN
fsr-3324	163	28	,	,	PUNCT
fsr-3324	163	29	texas	texas	PROPN
fsr-3324	163	30	a	a	PROPN
fsr-3324	163	31	&	&	CCONJ
fsr-3324	163	32	m	m	PROPN
fsr-3324	163	33	university	university	NOUN
fsr-3324	163	34	-	-	PUNCT
fsr-3324	163	35	corpus	corpus	NOUN
fsr-3324	163	36	christi	christi	PROPN
fsr-3324	163	37	,	,	PUNCT
fsr-3324	163	38	university	university	NOUN
fsr-3324	163	39	of	of	ADP
fsr-3324	163	40	alabamabirmingham	alabamabirmingham	PROPN
fsr-3324	163	41	,	,	PUNCT
fsr-3324	163	42	and	and	CCONJ
fsr-3324	163	43	university	university	PROPN
fsr-3324	163	44	of	of	ADP
fsr-3324	163	45	houston	houston	PROPN
fsr-3324	163	46	-	-	PUNCT
fsr-3324	163	47	clear	clear	PROPN
fsr-3324	163	48	lake	lake	NOUN
fsr-3324	163	49	.	.	PUNCT
fsr-3324	164	1	students	student	NOUN
fsr-3324	164	2	were	be	AUX
fsr-3324	164	3	considered	consider	VERB
fsr-3324	164	4	provisionally	provisionally	ADV
fsr-3324	164	5	acceptable	acceptable	ADJ
fsr-3324	164	6	respondents	respondent	NOUN
fsr-3324	164	7	per	per	ADP
fsr-3324	164	8	walters	walters	PROPN
fsr-3324	164	9	-	-	PUNCT
fsr-3324	164	10	york	york	PROPN
fsr-3324	164	11	and	and	CCONJ
fsr-3324	164	12	curatola	curatola	PROPN
fsr-3324	164	13	(	(	PUNCT
fsr-3324	164	14	1998	1998	NUM
fsr-3324	164	15	)	)	PUNCT
fsr-3324	164	16	and	and	CCONJ
fsr-3324	164	17	ashton	ashton	PROPN
fsr-3324	164	18	and	and	CCONJ
fsr-3324	164	19	kramer	kramer	PROPN
fsr-3324	164	20	(	(	PUNCT
fsr-3324	164	21	1980	1980	NUM
fsr-3324	164	22	)	)	PUNCT
fsr-3324	164	23	.	.	PUNCT
fsr-3324	165	1	all	all	DET
fsr-3324	165	2	research	research	NOUN
fsr-3324	165	3	questions	question	NOUN
fsr-3324	165	4	were	be	AUX
fsr-3324	165	5	analyzed	analyze	VERB
fsr-3324	165	6	with	with	ADP
fsr-3324	165	7	descriptive	descriptive	ADJ
fsr-3324	165	8	statistics	statistic	NOUN
fsr-3324	165	9	,	,	PUNCT
fsr-3324	165	10	converted	convert	VERB
fsr-3324	165	11	to	to	ADP
fsr-3324	165	12	percentages	percentage	NOUN
fsr-3324	165	13	,	,	PUNCT
fsr-3324	165	14	and	and	CCONJ
fsr-3324	165	15	then	then	ADV
fsr-3324	165	16	then	then	ADV
fsr-3324	165	17	analyzed	analyze	VERB
fsr-3324	165	18	using	use	VERB
fsr-3324	165	19	four	four	NUM
fsr-3324	165	20	sets	set	NOUN
fsr-3324	165	21	of	of	ADP
fsr-3324	165	22	ols	ol	NOUN
fsr-3324	165	23	regressions	regression	NOUN
fsr-3324	165	24	.	.	PUNCT
fsr-3324	166	1	the	the	DET
fsr-3324	166	2	choices	choice	NOUN
fsr-3324	166	3	were	be	AUX
fsr-3324	166	4	(	(	PUNCT
fsr-3324	166	5	1	1	X
fsr-3324	166	6	)	)	PUNCT
fsr-3324	166	7	investing	investing	NOUN
fsr-3324	166	8	,	,	PUNCT
fsr-3324	166	9	(	(	PUNCT
fsr-3324	166	10	2	2	X
fsr-3324	166	11	)	)	PUNCT
fsr-3324	166	12	paying	pay	VERB
fsr-3324	166	13	off	off	ADP
fsr-3324	166	14	credit	credit	NOUN
fsr-3324	166	15	card	card	NOUN
fsr-3324	166	16	debt	debt	NOUN
fsr-3324	166	17	,	,	PUNCT
fsr-3324	166	18	(	(	PUNCT
fsr-3324	166	19	3	3	X
fsr-3324	166	20	)	)	PUNCT
fsr-3324	166	21	paying	pay	VERB
fsr-3324	166	22	off	off	ADP
fsr-3324	166	23	notes	note	NOUN
fsr-3324	166	24	,	,	PUNCT
fsr-3324	166	25	and	and	CCONJ
fsr-3324	166	26	(	(	PUNCT
fsr-3324	166	27	6	6	X
fsr-3324	166	28	)	)	PUNCT
fsr-3324	166	29	saving	save	VERB
fsr-3324	166	30	for	for	ADP
fsr-3324	166	31	an	an	DET
fsr-3324	166	32	infrequent	infrequent	ADJ
fsr-3324	166	33	expense	expense	NOUN
fsr-3324	166	34	were	be	AUX
fsr-3324	166	35	coded	code	VERB
fsr-3324	166	36	as	as	ADP
fsr-3324	166	37	savings	saving	NOUN
fsr-3324	166	38	,	,	PUNCT
fsr-3324	166	39	and	and	CCONJ
fsr-3324	166	40	choices	choice	NOUN
fsr-3324	166	41	(	(	PUNCT
fsr-3324	166	42	4	4	NUM
fsr-3324	166	43	)	)	PUNCT
fsr-3324	166	44	regular	regular	ADJ
fsr-3324	166	45	monthly	monthly	ADJ
fsr-3324	166	46	expenses	expense	NOUN
fsr-3324	166	47	,	,	PUNCT
fsr-3324	166	48	(	(	PUNCT
fsr-3324	166	49	5	5	X
fsr-3324	166	50	)	)	PUNCT
fsr-3324	166	51	buying	buy	VERB
fsr-3324	166	52	a	a	DET
fsr-3324	166	53	durable	durable	ADJ
fsr-3324	166	54	asset	asset	NOUN
fsr-3324	166	55	,	,	PUNCT
fsr-3324	166	56	and	and	CCONJ
fsr-3324	166	57	(	(	PUNCT
fsr-3324	166	58	7	7	X
fsr-3324	166	59	)	)	PUNCT
fsr-3324	166	60	used	use	VERB
fsr-3324	166	61	for	for	ADP
fsr-3324	166	62	fun	fun	NOUN
fsr-3324	166	63	were	be	AUX
fsr-3324	166	64	coded	code	VERB
fsr-3324	166	65	as	as	ADP
fsr-3324	166	66	spending	spending	NOUN
fsr-3324	166	67	.	.	PUNCT
fsr-3324	167	1	two	two	NUM
fsr-3324	167	2	of	of	ADP
fsr-3324	167	3	the	the	DET
fsr-3324	167	4	sets	set	NOUN
fsr-3324	167	5	of	of	ADP
fsr-3324	167	6	regressions	regression	NOUN
fsr-3324	167	7	,	,	PUNCT
fsr-3324	167	8	one	one	NUM
fsr-3324	167	9	where	where	SCONJ
fsr-3324	167	10	the	the	DET
fsr-3324	167	11	monthly	monthly	ADJ
fsr-3324	167	12	distribution	distribution	NOUN
fsr-3324	167	13	was	be	AUX
fsr-3324	167	14	shown	show	VERB
fsr-3324	167	15	first	first	ADV
fsr-3324	167	16	and	and	CCONJ
fsr-3324	167	17	the	the	DET
fsr-3324	167	18	other	other	ADJ
fsr-3324	167	19	where	where	SCONJ
fsr-3324	167	20	the	the	DET
fsr-3324	167	21	lump	lump	NOUN
fsr-3324	167	22	sum	sum	NOUN
fsr-3324	167	23	was	be	AUX
fsr-3324	167	24	shown	show	VERB
fsr-3324	167	25	first	first	ADV
fsr-3324	167	26	,	,	PUNCT
fsr-3324	167	27	used	use	VERB
fsr-3324	167	28	“	"	PUNCT
fsr-3324	167	29	longer	long	ADJ
fsr-3324	167	30	-	-	PUNCT
fsr-3324	167	31	term	term	NOUN
fsr-3324	167	32	savings	saving	NOUN
fsr-3324	167	33	”	"	PUNCT
fsr-3324	167	34	as	as	ADP
fsr-3324	167	35	its	its	PRON
fsr-3324	167	36	dependent	dependent	ADJ
fsr-3324	167	37	variable	variable	NOUN
fsr-3324	167	38	,	,	PUNCT
fsr-3324	167	39	which	which	PRON
fsr-3324	167	40	excluded	exclude	VERB
fsr-3324	167	41	savings	saving	NOUN
fsr-3324	167	42	from	from	ADP
fsr-3324	167	43	item	item	NOUN
fsr-3324	167	44	(	(	PUNCT
fsr-3324	167	45	6	6	NUM
fsr-3324	167	46	)	)	PUNCT
fsr-3324	167	47	,	,	PUNCT
fsr-3324	167	48	saving	save	VERB
fsr-3324	167	49	for	for	ADP
fsr-3324	167	50	an	an	DET
fsr-3324	167	51	infrequent	infrequent	ADJ
fsr-3324	167	52	expense	expense	NOUN
fsr-3324	167	53	.	.	PUNCT
fsr-3324	168	1	the	the	DET
fsr-3324	168	2	other	other	ADJ
fsr-3324	168	3	two	two	NUM
fsr-3324	168	4	sets	set	NOUN
fsr-3324	168	5	of	of	ADP
fsr-3324	168	6	regressions	regression	NOUN
fsr-3324	168	7	(	(	PUNCT
fsr-3324	168	8	one	one	NUM
fsr-3324	168	9	where	where	SCONJ
fsr-3324	168	10	the	the	DET
fsr-3324	168	11	monthly	monthly	ADJ
fsr-3324	168	12	distribution	distribution	NOUN
fsr-3324	168	13	was	be	AUX
fsr-3324	168	14	shown	show	VERB
fsr-3324	168	15	first	first	ADV
fsr-3324	168	16	)	)	PUNCT
fsr-3324	168	17	used	use	VERB
fsr-3324	168	18	dependent	dependent	ADJ
fsr-3324	168	19	variables	variable	NOUN
fsr-3324	168	20	dubbed	dub	VERB
fsr-3324	168	21	“	"	PUNCT
fsr-3324	168	22	total	total	ADJ
fsr-3324	168	23	savings	saving	NOUN
fsr-3324	168	24	”	"	PUNCT
fsr-3324	168	25	included	include	VERB
fsr-3324	168	26	in	in	ADP
fsr-3324	168	27	item	item	NOUN
fsr-3324	168	28	(	(	PUNCT
fsr-3324	168	29	6	6	NUM
fsr-3324	168	30	)	)	PUNCT
fsr-3324	168	31	.	.	PUNCT
fsr-3324	169	1	the	the	DET
fsr-3324	169	2	four	four	NUM
fsr-3324	169	3	dependent	dependent	ADJ
fsr-3324	169	4	variables	variable	NOUN
fsr-3324	169	5	were	be	AUX
fsr-3324	169	6	each	each	PRON
fsr-3324	169	7	regressed	regress	VERB
fsr-3324	169	8	against	against	ADP
fsr-3324	169	9	the	the	DET
fsr-3324	169	10	source	source	NOUN
fsr-3324	169	11	of	of	ADP
fsr-3324	169	12	the	the	DET
fsr-3324	169	13	windfall	windfall	NOUN
fsr-3324	169	14	income	income	NOUN
fsr-3324	169	15	,	,	PUNCT
fsr-3324	169	16	and	and	CCONJ
fsr-3324	169	17	demographic	demographic	ADJ
fsr-3324	169	18	variables	variable	NOUN
fsr-3324	169	19	were	be	AUX
fsr-3324	169	20	included	include	VERB
fsr-3324	169	21	to	to	PART
fsr-3324	169	22	control	control	VERB
fsr-3324	169	23	for	for	ADP
fsr-3324	169	24	income	income	NOUN
fsr-3324	169	25	,	,	PUNCT
fsr-3324	169	26	gender	gender	NOUN
fsr-3324	169	27	,	,	PUNCT
fsr-3324	169	28	age	age	NOUN
fsr-3324	169	29	,	,	PUNCT
fsr-3324	169	30	importance	importance	NOUN
fsr-3324	169	31	to	to	ADP
fsr-3324	169	32	the	the	DET
fsr-3324	169	33	budget	budget	NOUN
fsr-3324	169	34	,	,	PUNCT
fsr-3324	169	35	business	business	NOUN
fsr-3324	169	36	experience	experience	NOUN
fsr-3324	169	37	level	level	NOUN
fsr-3324	169	38	,	,	PUNCT
fsr-3324	169	39	and	and	CCONJ
fsr-3324	169	40	education	education	NOUN
fsr-3324	169	41	level	level	NOUN
fsr-3324	169	42	.	.	PUNCT
fsr-3324	170	1	the	the	DET
fsr-3324	170	2	regression	regression	NOUN
fsr-3324	170	3	models	model	NOUN
fsr-3324	170	4	were	be	AUX
fsr-3324	170	5	of	of	ADP
fsr-3324	170	6	the	the	DET
fsr-3324	170	7	form	form	NOUN
fsr-3324	170	8	:	:	PUNCT
fsr-3324	170	9	percent	percent	NOUN
fsr-3324	170	10	saved	save	VERB
fsr-3324	170	11	�	�	PROPN
fsr-3324	170	12	f(income	f(income	NOUN
fsr-3324	170	13	,	,	PUNCT
fsr-3324	170	14	zero	zero	NUM
fsr-3324	170	15	income	income	NOUN
fsr-3324	170	16	,	,	PUNCT
fsr-3324	170	17	amount	amount	NOUN
fsr-3324	170	18	,	,	PUNCT
fsr-3324	170	19	education	education	NOUN
fsr-3324	170	20	,	,	PUNCT
fsr-3324	170	21	gender	gender	NOUN
fsr-3324	170	22	,	,	PUNCT
fsr-3324	170	23	age	age	NOUN
fsr-3324	170	24	,	,	PUNCT
fsr-3324	170	25	importance	importance	NOUN
fsr-3324	170	26	,	,	PUNCT
fsr-3324	170	27	seatbelt	seatbelt	NOUN
fsr-3324	170	28	use	use	NOUN
fsr-3324	170	29	,	,	PUNCT
fsr-3324	170	30	smoker	smoker	ADJ
fsr-3324	170	31	,	,	PUNCT
fsr-3324	170	32	spend1	spend1	NOUN
fsr-3324	170	33	(	(	PUNCT
fsr-3324	170	34	default	default	NOUN
fsr-3324	170	35	for	for	ADP
fsr-3324	170	36	spender	spender	NOUN
fsr-3324	170	37	)	)	PUNCT
fsr-3324	170	38	,	,	PUNCT
fsr-3324	170	39	experience	experience	NOUN
fsr-3324	170	40	level	level	NOUN
fsr-3324	170	41	,	,	PUNCT
fsr-3324	170	42	dummy	dummy	ADJ
fsr-3324	170	43	variables	variable	NOUN
fsr-3324	170	44	for	for	ADP
fsr-3324	170	45	the	the	DET
fsr-3324	170	46	source	source	NOUN
fsr-3324	170	47	of	of	ADP
fsr-3324	170	48	the	the	DET
fsr-3324	170	49	payment	payment	NOUN
fsr-3324	170	50	(	(	PUNCT
fsr-3324	170	51	lottery	lottery	NOUN
fsr-3324	170	52	,	,	PUNCT
fsr-3324	170	53	tax	tax	NOUN
fsr-3324	170	54	rebate	rebate	NOUN
fsr-3324	170	55	,	,	PUNCT
fsr-3324	170	56	inheritance	inheritance	NOUN
fsr-3324	170	57	,	,	PUNCT
fsr-3324	170	58	game	game	NOUN
fsr-3324	170	59	show	show	NOUN
fsr-3324	170	60	,	,	PUNCT
fsr-3324	170	61	or	or	CCONJ
fsr-3324	170	62	bonus	bonus	NOUN
fsr-3324	170	63	)	)	PUNCT
fsr-3324	170	64	,	,	PUNCT
fsr-3324	170	65	and	and	CCONJ
fsr-3324	170	66	a	a	DET
fsr-3324	170	67	dummy	dummy	NOUN
fsr-3324	170	68	for	for	ADP
fsr-3324	170	69	the	the	DET
fsr-3324	170	70	order	order	NOUN
fsr-3324	170	71	of	of	ADP
fsr-3324	170	72	presentation	presentation	NOUN
fsr-3324	170	73	(	(	PUNCT
fsr-3324	170	74	monthly	monthly	ADJ
fsr-3324	170	75	payment	payment	NOUN
fsr-3324	170	76	first	first	ADV
fsr-3324	170	77	,	,	PUNCT
fsr-3324	170	78	or	or	CCONJ
fsr-3324	170	79	lump	lump	NOUN
fsr-3324	170	80	sum	sum	NOUN
fsr-3324	170	81	payment	payment	NOUN
fsr-3324	170	82	first	first	ADJ
fsr-3324	170	83	)	)	PUNCT
fsr-3324	170	84	)	)	PUNCT
fsr-3324	170	85	.	.	PUNCT
fsr-3324	171	1	“	"	PUNCT
fsr-3324	171	2	income	income	NOUN
fsr-3324	171	3	”	"	PUNCT
fsr-3324	171	4	is	be	AUX
fsr-3324	171	5	the	the	DET
fsr-3324	171	6	log	log	NOUN
fsr-3324	171	7	of	of	ADP
fsr-3324	171	8	the	the	DET
fsr-3324	171	9	respondent	respondent	NOUN
fsr-3324	171	10	’s	’s	PART
fsr-3324	171	11	income	income	NOUN
fsr-3324	171	12	plus	plus	CCONJ
fsr-3324	171	13	one	one	NUM
fsr-3324	171	14	.	.	PUNCT
fsr-3324	172	1	“	"	PUNCT
fsr-3324	172	2	amount	amount	NOUN
fsr-3324	172	3	”	"	PUNCT
fsr-3324	172	4	is	be	AUX
fsr-3324	172	5	the	the	DET
fsr-3324	172	6	hypothetical	hypothetical	ADJ
fsr-3324	172	7	amount	amount	NOUN
fsr-3324	172	8	of	of	ADP
fsr-3324	172	9	the	the	DET
fsr-3324	172	10	distribution	distribution	NOUN
fsr-3324	172	11	,	,	PUNCT
fsr-3324	172	12	in	in	ADP
fsr-3324	172	13	dollars	dollar	NOUN
fsr-3324	172	14	.	.	PUNCT
fsr-3324	173	1	as	as	SCONJ
fsr-3324	173	2	four	four	NUM
fsr-3324	173	3	discrete	discrete	ADJ
fsr-3324	173	4	values	value	NOUN
fsr-3324	173	5	were	be	AUX
fsr-3324	173	6	possible	possible	ADJ
fsr-3324	173	7	for	for	ADP
fsr-3324	173	8	the	the	DET
fsr-3324	173	9	amount	amount	NOUN
fsr-3324	173	10	,	,	PUNCT
fsr-3324	173	11	dummy	dummy	ADJ
fsr-3324	173	12	variables	variable	NOUN
fsr-3324	173	13	were	be	AUX
fsr-3324	173	14	created	create	VERB
fsr-3324	173	15	for	for	ADP
fsr-3324	173	16	each	each	DET
fsr-3324	173	17	amount	amount	NOUN
fsr-3324	173	18	rather	rather	ADV
fsr-3324	173	19	than	than	ADP
fsr-3324	173	20	treat	treat	VERB
fsr-3324	173	21	this	this	DET
fsr-3324	173	22	variable	variable	NOUN
fsr-3324	173	23	as	as	ADP
fsr-3324	173	24	continuous	continuous	ADJ
fsr-3324	173	25	.	.	PUNCT
fsr-3324	174	1	the	the	DET
fsr-3324	174	2	education	education	NOUN
fsr-3324	174	3	variable	variable	NOUN
fsr-3324	174	4	is	be	AUX
fsr-3324	174	5	divided	divide	VERB
fsr-3324	174	6	into	into	ADP
fsr-3324	174	7	four	four	NUM
fsr-3324	174	8	categories	category	NOUN
fsr-3324	174	9	:	:	PUNCT
fsr-3324	174	10	high	high	ADJ
fsr-3324	174	11	school	school	NOUN
fsr-3324	174	12	,	,	PUNCT
fsr-3324	174	13	associate	associate	NOUN
fsr-3324	174	14	degree	degree	NOUN
fsr-3324	174	15	,	,	PUNCT
fsr-3324	174	16	undergraduate	undergraduate	NOUN
fsr-3324	174	17	degree	degree	NOUN
fsr-3324	174	18	,	,	PUNCT
fsr-3324	174	19	and	and	CCONJ
fsr-3324	174	20	graduate	graduate	NOUN
fsr-3324	174	21	degree	degree	NOUN
fsr-3324	174	22	.	.	PUNCT
fsr-3324	175	1	“	"	PUNCT
fsr-3324	175	2	gender	gender	NOUN
fsr-3324	175	3	”	"	PUNCT
fsr-3324	175	4	is	be	AUX
fsr-3324	175	5	a	a	DET
fsr-3324	175	6	categorical	categorical	ADJ
fsr-3324	175	7	male	male	ADJ
fsr-3324	175	8	/	/	SYM
fsr-3324	175	9	female	female	ADJ
fsr-3324	175	10	variable	variable	NOUN
fsr-3324	175	11	,	,	PUNCT
fsr-3324	175	12	298	298	NUM
fsr-3324	175	13	v.	v.	ADP
fsr-3324	175	14	chambers	chamber	NOUN
fsr-3324	176	1	et	et	PROPN
fsr-3324	176	2	al	al	PROPN
fsr-3324	176	3	.	.	PUNCT
fsr-3324	176	4	/	/	SYM
fsr-3324	176	5	financial	financial	ADJ
fsr-3324	176	6	services	service	NOUN
fsr-3324	176	7	review	review	VERB
fsr-3324	176	8	26	26	NUM
fsr-3324	176	9	(	(	PUNCT
fsr-3324	176	10	2017	2017	NUM
fsr-3324	176	11	)	)	PUNCT
fsr-3324	177	1	291–313	291–313	NUM
fsr-3324	177	2	where	where	SCONJ
fsr-3324	177	3	female	female	NOUN
fsr-3324	177	4	was	be	AUX
fsr-3324	177	5	coded	code	VERB
fsr-3324	177	6	as	as	ADP
fsr-3324	177	7	“	"	PUNCT
fsr-3324	177	8	1	1	NUM
fsr-3324	177	9	.	.	PUNCT
fsr-3324	177	10	”	"	PUNCT
fsr-3324	178	1	“	"	PUNCT
fsr-3324	178	2	age	age	NOUN
fsr-3324	178	3	”	"	PUNCT
fsr-3324	178	4	is	be	AUX
fsr-3324	178	5	the	the	DET
fsr-3324	178	6	participant	participant	NOUN
fsr-3324	178	7	’s	’s	PART
fsr-3324	178	8	age	age	NOUN
fsr-3324	178	9	in	in	ADP
fsr-3324	178	10	years	year	NOUN
fsr-3324	178	11	.	.	PUNCT
fsr-3324	179	1	as	as	SCONJ
fsr-3324	179	2	there	there	PRON
fsr-3324	179	3	may	may	AUX
fsr-3324	179	4	be	be	AUX
fsr-3324	179	5	some	some	DET
fsr-3324	179	6	non	non	ADJ
fsr-3324	179	7	-	-	NOUN
fsr-3324	179	8	linearity	linearity	NOUN
fsr-3324	179	9	in	in	ADP
fsr-3324	179	10	the	the	DET
fsr-3324	179	11	age	age	NOUN
fsr-3324	179	12	variable	variable	NOUN
fsr-3324	179	13	,	,	PUNCT
fsr-3324	179	14	the	the	DET
fsr-3324	179	15	square	square	NOUN
fsr-3324	179	16	of	of	ADP
fsr-3324	179	17	age	age	NOUN
fsr-3324	179	18	,	,	PUNCT
fsr-3324	179	19	“	"	PUNCT
fsr-3324	179	20	agesq	agesq	PROPN
fsr-3324	179	21	”	"	PUNCT
fsr-3324	179	22	was	be	AUX
fsr-3324	179	23	added	add	VERB
fsr-3324	179	24	to	to	ADP
fsr-3324	179	25	the	the	DET
fsr-3324	179	26	model	model	NOUN
fsr-3324	179	27	to	to	PART
fsr-3324	179	28	measure	measure	VERB
fsr-3324	179	29	the	the	DET
fsr-3324	179	30	non	non	ADJ
fsr-3324	179	31	-	-	ADJ
fsr-3324	179	32	linear	linear	ADJ
fsr-3324	179	33	contribution	contribution	NOUN
fsr-3324	179	34	to	to	ADP
fsr-3324	179	35	the	the	DET
fsr-3324	179	36	dependent	dependent	ADJ
fsr-3324	179	37	variable	variable	NOUN
fsr-3324	179	38	that	that	PRON
fsr-3324	179	39	occurs	occur	VERB
fsr-3324	179	40	as	as	ADP
fsr-3324	179	41	the	the	DET
fsr-3324	179	42	reported	report	VERB
fsr-3324	179	43	age	age	NOUN
fsr-3324	179	44	increases	increase	NOUN
fsr-3324	179	45	.	.	PUNCT
fsr-3324	180	1	“	"	PUNCT
fsr-3324	180	2	importance	importance	NOUN
fsr-3324	180	3	”	"	PUNCT
fsr-3324	180	4	was	be	AUX
fsr-3324	180	5	defined	define	VERB
fsr-3324	180	6	to	to	PART
fsr-3324	180	7	be	be	AUX
fsr-3324	180	8	the	the	DET
fsr-3324	180	9	payment	payment	NOUN
fsr-3324	180	10	divided	divide	VERB
fsr-3324	180	11	by	by	ADP
fsr-3324	180	12	the	the	DET
fsr-3324	180	13	income	income	NOUN
fsr-3324	180	14	of	of	ADP
fsr-3324	180	15	the	the	DET
fsr-3324	180	16	survey	survey	NOUN
fsr-3324	180	17	participant	participant	NOUN
fsr-3324	180	18	.	.	PUNCT
fsr-3324	181	1	the	the	DET
fsr-3324	181	2	“	"	PUNCT
fsr-3324	181	3	seatbelt	seatbelt	NOUN
fsr-3324	181	4	”	"	PUNCT
fsr-3324	181	5	and	and	CCONJ
fsr-3324	181	6	“	"	PUNCT
fsr-3324	181	7	smoker	smoker	ADJ
fsr-3324	181	8	”	"	PUNCT
fsr-3324	181	9	dummy	dummy	ADJ
fsr-3324	181	10	variables	variable	NOUN
fsr-3324	181	11	were	be	AUX
fsr-3324	181	12	included	include	VERB
fsr-3324	181	13	as	as	ADP
fsr-3324	181	14	proxies	proxy	NOUN
fsr-3324	181	15	for	for	ADP
fsr-3324	181	16	respondents	respondent	NOUN
fsr-3324	181	17	’	'	PUNCT
fsr-3324	181	18	risk	risk	NOUN
fsr-3324	181	19	preference	preference	NOUN
fsr-3324	181	20	;	;	PUNCT
fsr-3324	181	21	seatbelt	seatbelt	NOUN
fsr-3324	181	22	wearers	wearer	NOUN
fsr-3324	181	23	and	and	CCONJ
fsr-3324	181	24	smokers	smoker	NOUN
fsr-3324	181	25	were	be	AUX
fsr-3324	181	26	coded	code	VERB
fsr-3324	181	27	as	as	ADP
fsr-3324	181	28	“	"	PUNCT
fsr-3324	181	29	1	1	NUM
fsr-3324	181	30	.	.	PUNCT
fsr-3324	181	31	”	"	PUNCT
fsr-3324	182	1	for	for	ADP
fsr-3324	182	2	the	the	DET
fsr-3324	182	3	variable	variable	ADJ
fsr-3324	182	4	“	"	PUNCT
fsr-3324	182	5	spend1	spend1	NOUN
fsr-3324	182	6	”	"	PUNCT
fsr-3324	182	7	the	the	DET
fsr-3324	182	8	participants	participant	NOUN
fsr-3324	182	9	were	be	AUX
fsr-3324	182	10	asked	ask	VERB
fsr-3324	182	11	“	"	PUNCT
fsr-3324	182	12	when	when	SCONJ
fsr-3324	182	13	you	you	PRON
fsr-3324	182	14	get	get	VERB
fsr-3324	182	15	‘	'	PUNCT
fsr-3324	182	16	extra	extra	ADJ
fsr-3324	182	17	money	money	NOUN
fsr-3324	182	18	,	,	PUNCT
fsr-3324	182	19	’	'	PUNCT
fsr-3324	182	20	do	do	AUX
fsr-3324	182	21	you	you	PRON
fsr-3324	182	22	spend	spend	VERB
fsr-3324	182	23	it	it	PRON
fsr-3324	182	24	or	or	CCONJ
fsr-3324	182	25	save	save	VERB
fsr-3324	182	26	it	it	PRON
fsr-3324	182	27	?	?	PUNCT
fsr-3324	182	28	”	"	PUNCT
fsr-3324	183	1	the	the	DET
fsr-3324	183	2	dummy	dummy	NOUN
fsr-3324	183	3	was	be	AUX
fsr-3324	183	4	set	set	VERB
fsr-3324	183	5	to	to	ADP
fsr-3324	183	6	1	1	NUM
fsr-3324	183	7	for	for	ADP
fsr-3324	183	8	those	those	PRON
fsr-3324	183	9	that	that	PRON
fsr-3324	183	10	answered	answer	VERB
fsr-3324	183	11	“	"	PUNCT
fsr-3324	183	12	spend	spend	NOUN
fsr-3324	183	13	.	.	PUNCT
fsr-3324	183	14	”	"	PUNCT
fsr-3324	184	1	business	business	NOUN
fsr-3324	184	2	experience	experience	NOUN
fsr-3324	184	3	was	be	AUX
fsr-3324	184	4	a	a	DET
fsr-3324	184	5	categorical	categorical	ADJ
fsr-3324	184	6	,	,	PUNCT
fsr-3324	184	7	self	self	NOUN
fsr-3324	184	8	-	-	PUNCT
fsr-3324	184	9	reported	report	VERB
fsr-3324	184	10	measure	measure	NOUN
fsr-3324	184	11	coded	code	VERB
fsr-3324	184	12	as	as	ADP
fsr-3324	184	13	“	"	PUNCT
fsr-3324	184	14	0	0	NUM
fsr-3324	184	15	”	"	PUNCT
fsr-3324	184	16	for	for	ADP
fsr-3324	184	17	“	"	PUNCT
fsr-3324	184	18	none	none	NOUN
fsr-3324	184	19	,	,	PUNCT
fsr-3324	184	20	”	"	PUNCT
fsr-3324	184	21	“	"	PUNCT
fsr-3324	184	22	1	1	NUM
fsr-3324	184	23	”	"	PUNCT
fsr-3324	184	24	for	for	ADP
fsr-3324	184	25	responses	response	NOUN
fsr-3324	184	26	of	of	ADP
fsr-3324	184	27	“	"	PUNCT
fsr-3324	184	28	low	low	ADJ
fsr-3324	184	29	,	,	PUNCT
fsr-3324	184	30	”	"	PUNCT
fsr-3324	184	31	and	and	CCONJ
fsr-3324	184	32	progressing	progress	VERB
fsr-3324	184	33	upward	upward	ADV
fsr-3324	184	34	to	to	ADP
fsr-3324	184	35	“	"	PUNCT
fsr-3324	184	36	5	5	NUM
fsr-3324	184	37	”	"	PUNCT
fsr-3324	184	38	for	for	ADP
fsr-3324	184	39	“	"	PUNCT
fsr-3324	184	40	high	high	ADJ
fsr-3324	184	41	.	.	PUNCT
fsr-3324	184	42	”	"	PUNCT
fsr-3324	185	1	this	this	DET
fsr-3324	185	2	categorical	categorical	ADJ
fsr-3324	185	3	variable	variable	NOUN
fsr-3324	185	4	was	be	AUX
fsr-3324	185	5	then	then	ADV
fsr-3324	185	6	transformed	transform	VERB
fsr-3324	185	7	to	to	ADP
fsr-3324	185	8	dummy	dummy	ADJ
fsr-3324	185	9	variables	variable	NOUN
fsr-3324	185	10	for	for	ADP
fsr-3324	185	11	use	use	NOUN
fsr-3324	185	12	in	in	ADP
fsr-3324	185	13	the	the	DET
fsr-3324	185	14	regression	regression	NOUN
fsr-3324	185	15	as	as	SCONJ
fsr-3324	185	16	described	describe	VERB
fsr-3324	185	17	below	below	ADV
fsr-3324	185	18	.	.	PUNCT
fsr-3324	186	1	various	various	ADJ
fsr-3324	186	2	formulations	formulation	NOUN
fsr-3324	186	3	of	of	ADP
fsr-3324	186	4	the	the	DET
fsr-3324	186	5	credit	credit	NOUN
fsr-3324	186	6	card	card	NOUN
fsr-3324	186	7	debt	debt	NOUN
fsr-3324	186	8	variable	variable	NOUN
fsr-3324	186	9	were	be	AUX
fsr-3324	186	10	also	also	ADV
fsr-3324	186	11	introduced	introduce	VERB
fsr-3324	186	12	to	to	PART
fsr-3324	186	13	observe	observe	VERB
fsr-3324	186	14	whether	whether	SCONJ
fsr-3324	186	15	debt	debt	NOUN
fsr-3324	186	16	in	in	ADP
fsr-3324	186	17	dollars	dollar	NOUN
fsr-3324	186	18	or	or	CCONJ
fsr-3324	186	19	as	as	SCONJ
fsr-3324	186	20	some	some	DET
fsr-3324	186	21	proportion	proportion	NOUN
fsr-3324	186	22	would	would	AUX
fsr-3324	186	23	affect	affect	VERB
fsr-3324	186	24	the	the	DET
fsr-3324	186	25	results	result	NOUN
fsr-3324	186	26	;	;	PUNCT
fsr-3324	186	27	the	the	DET
fsr-3324	186	28	results	result	NOUN
fsr-3324	186	29	were	be	AUX
fsr-3324	186	30	not	not	PART
fsr-3324	186	31	affected	affect	VERB
fsr-3324	186	32	,	,	PUNCT
fsr-3324	186	33	however	however	ADV
fsr-3324	186	34	.	.	PUNCT
fsr-3324	187	1	5	5	X
fsr-3324	187	2	.	.	X
fsr-3324	187	3	results	result	VERB
fsr-3324	187	4	the	the	DET
fsr-3324	187	5	data	datum	NOUN
fsr-3324	187	6	were	be	AUX
fsr-3324	187	7	gathered	gather	VERB
fsr-3324	187	8	in	in	ADP
fsr-3324	187	9	2013	2013	NUM
fsr-3324	187	10	.	.	PUNCT
fsr-3324	188	1	of	of	ADP
fsr-3324	188	2	the	the	DET
fsr-3324	188	3	1,844	1,844	NUM
fsr-3324	188	4	responses	response	NOUN
fsr-3324	188	5	,	,	PUNCT
fsr-3324	188	6	984	984	NUM
fsr-3324	188	7	had	have	VERB
fsr-3324	188	8	complete	complete	ADJ
fsr-3324	188	9	data	datum	NOUN
fsr-3324	188	10	for	for	ADP
fsr-3324	188	11	regression	regression	NOUN
fsr-3324	188	12	analysis	analysis	NOUN
fsr-3324	188	13	.	.	PUNCT
fsr-3324	189	1	a	a	DET
fsr-3324	189	2	separate	separate	ADJ
fsr-3324	189	3	analysis	analysis	NOUN
fsr-3324	189	4	using	use	VERB
fsr-3324	189	5	1,719	1,719	NUM
fsr-3324	189	6	of	of	ADP
fsr-3324	189	7	the	the	DET
fsr-3324	189	8	responses	response	NOUN
fsr-3324	189	9	,	,	PUNCT
fsr-3324	189	10	which	which	PRON
fsr-3324	189	11	were	be	AUX
fsr-3324	189	12	missing	miss	VERB
fsr-3324	189	13	some	some	PRON
fsr-3324	189	14	of	of	ADP
fsr-3324	189	15	the	the	DET
fsr-3324	189	16	control	control	NOUN
fsr-3324	189	17	variables	variable	NOUN
fsr-3324	189	18	but	but	CCONJ
fsr-3324	189	19	not	not	PART
fsr-3324	189	20	data	datum	NOUN
fsr-3324	189	21	for	for	ADP
fsr-3324	189	22	the	the	DET
fsr-3324	189	23	variables	variable	NOUN
fsr-3324	189	24	of	of	ADP
fsr-3324	189	25	interest	interest	NOUN
fsr-3324	189	26	,	,	PUNCT
fsr-3324	189	27	was	be	AUX
fsr-3324	189	28	also	also	ADV
fsr-3324	189	29	run	run	VERB
fsr-3324	189	30	.	.	PUNCT
fsr-3324	190	1	these	these	DET
fsr-3324	190	2	results	result	NOUN
fsr-3324	190	3	were	be	AUX
fsr-3324	190	4	substantially	substantially	ADV
fsr-3324	190	5	the	the	DET
fsr-3324	190	6	same	same	ADJ
fsr-3324	190	7	as	as	ADP
fsr-3324	190	8	the	the	DET
fsr-3324	190	9	analysis	analysis	NOUN
fsr-3324	190	10	from	from	ADP
fsr-3324	190	11	the	the	DET
fsr-3324	190	12	more	more	ADV
fsr-3324	190	13	pristine	pristine	ADJ
fsr-3324	190	14	,	,	PUNCT
fsr-3324	190	15	complete	complete	ADJ
fsr-3324	190	16	data	datum	NOUN
fsr-3324	190	17	presented	present	VERB
fsr-3324	190	18	below	below	ADV
fsr-3324	190	19	.	.	PUNCT
fsr-3324	191	1	table	table	NOUN
fsr-3324	191	2	1	1	NUM
fsr-3324	191	3	presents	present	VERB
fsr-3324	191	4	the	the	DET
fsr-3324	191	5	descriptive	descriptive	ADJ
fsr-3324	191	6	statistics	statistic	NOUN
fsr-3324	191	7	for	for	ADP
fsr-3324	191	8	the	the	DET
fsr-3324	191	9	variables	variable	NOUN
fsr-3324	191	10	collected	collect	VERB
fsr-3324	191	11	.	.	PUNCT
fsr-3324	192	1	the	the	DET
fsr-3324	192	2	average	average	ADJ
fsr-3324	192	3	income	income	NOUN
fsr-3324	192	4	was	be	AUX
fsr-3324	192	5	$	$	SYM
fsr-3324	192	6	47,628	47,628	NUM
fsr-3324	192	7	,	,	PUNCT
fsr-3324	192	8	which	which	PRON
fsr-3324	192	9	compares	compare	VERB
fsr-3324	192	10	with	with	ADP
fsr-3324	192	11	an	an	DET
fsr-3324	192	12	average	average	ADJ
fsr-3324	192	13	$	$	SYM
fsr-3324	192	14	57,706	57,706	NUM
fsr-3324	192	15	for	for	ADP
fsr-3324	192	16	2010	2010	NUM
fsr-3324	192	17	from	from	ADP
fsr-3324	192	18	the	the	DET
fsr-3324	192	19	irs	irs	PROPN
fsr-3324	192	20	statistics	statistic	NOUN
fsr-3324	192	21	of	of	ADP
fsr-3324	192	22	income	income	NOUN
fsr-3324	192	23	(	(	PUNCT
fsr-3324	192	24	internal	internal	ADJ
fsr-3324	192	25	revenue	revenue	NOUN
fsr-3324	192	26	service	service	NOUN
fsr-3324	192	27	,	,	PUNCT
fsr-3324	192	28	2012	2012	NUM
fsr-3324	192	29	)	)	PUNCT
fsr-3324	192	30	.	.	PUNCT
fsr-3324	193	1	respondents	respondent	NOUN
fsr-3324	193	2	averaged	average	VERB
fsr-3324	193	3	5.15	5.15	NUM
fsr-3324	193	4	years	year	NOUN
fsr-3324	193	5	of	of	ADP
fsr-3324	193	6	work	work	NOUN
fsr-3324	193	7	experience	experience	NOUN
fsr-3324	193	8	and	and	CCONJ
fsr-3324	193	9	had	have	VERB
fsr-3324	193	10	some	some	DET
fsr-3324	193	11	college	college	NOUN
fsr-3324	193	12	education	education	NOUN
fsr-3324	193	13	(	(	PUNCT
fsr-3324	193	14	that	that	PRON
fsr-3324	193	15	is	be	AUX
fsr-3324	193	16	to	to	PART
fsr-3324	193	17	be	be	AUX
fsr-3324	193	18	expected	expect	VERB
fsr-3324	193	19	as	as	SCONJ
fsr-3324	193	20	the	the	DET
fsr-3324	193	21	sample	sample	NOUN
fsr-3324	193	22	was	be	AUX
fsr-3324	193	23	collected	collect	VERB
fsr-3324	193	24	primarily	primarily	ADV
fsr-3324	193	25	from	from	ADP
fsr-3324	193	26	college	college	NOUN
fsr-3324	193	27	students	student	NOUN
fsr-3324	193	28	)	)	PUNCT
fsr-3324	193	29	;	;	PUNCT
fsr-3324	193	30	54	54	NUM
fsr-3324	193	31	%	%	NOUN
fsr-3324	193	32	of	of	ADP
fsr-3324	193	33	the	the	DET
fsr-3324	193	34	respondents	respondent	NOUN
fsr-3324	193	35	were	be	AUX
fsr-3324	193	36	women	woman	NOUN
fsr-3324	193	37	.	.	PUNCT
fsr-3324	194	1	these	these	DET
fsr-3324	194	2	respondents	respondent	NOUN
fsr-3324	194	3	perceived	perceive	VERB
fsr-3324	194	4	themselves	themselves	PRON
fsr-3324	194	5	to	to	PART
fsr-3324	194	6	have	have	VERB
fsr-3324	194	7	moderate	moderate	ADJ
fsr-3324	194	8	business	business	NOUN
fsr-3324	194	9	experience	experience	NOUN
fsr-3324	194	10	,	,	PUNCT
fsr-3324	194	11	as	as	SCONJ
fsr-3324	194	12	indicated	indicate	VERB
fsr-3324	194	13	by	by	ADP
fsr-3324	194	14	a	a	DET
fsr-3324	194	15	2.80	2.80	NUM
fsr-3324	194	16	average	average	NOUN
fsr-3324	194	17	score	score	NOUN
fsr-3324	194	18	out	out	ADP
fsr-3324	194	19	of	of	ADP
fsr-3324	194	20	a	a	DET
fsr-3324	194	21	possible	possible	ADJ
fsr-3324	194	22	5.0	5.0	NUM
fsr-3324	194	23	.	.	PUNCT
fsr-3324	195	1	further	further	ADJ
fsr-3324	195	2	discussion	discussion	NOUN
fsr-3324	195	3	of	of	ADP
fsr-3324	195	4	the	the	DET
fsr-3324	195	5	following	follow	VERB
fsr-3324	195	6	non	non	ADJ
fsr-3324	195	7	-	-	ADJ
fsr-3324	195	8	significant	significant	ADJ
fsr-3324	195	9	variable	variable	NOUN
fsr-3324	195	10	(	(	PUNCT
fsr-3324	195	11	at	at	ADP
fsr-3324	195	12	p	p	PROPN
fsr-3324	195	13	�	�	PROPN
fsr-3324	195	14	0.10	0.10	NUM
fsr-3324	195	15	)	)	PUNCT
fsr-3324	195	16	is	be	AUX
fsr-3324	195	17	omitted	omit	VERB
fsr-3324	195	18	for	for	ADP
fsr-3324	195	19	parsimony	parsimony	NOUN
fsr-3324	195	20	,	,	PUNCT
fsr-3324	195	21	except	except	SCONJ
fsr-3324	195	22	where	where	SCONJ
fsr-3324	195	23	noted	note	VERB
fsr-3324	195	24	:	:	PUNCT
fsr-3324	195	25	monthly	monthly	ADJ
fsr-3324	195	26	pmt	pmt	PROPN
fsr-3324	195	27	(	(	PUNCT
fsr-3324	195	28	order	order	NOUN
fsr-3324	195	29	effect	effect	NOUN
fsr-3324	195	30	)	)	PUNCT
fsr-3324	195	31	,	,	PUNCT
fsr-3324	195	32	gender	gender	NOUN
fsr-3324	195	33	,	,	PUNCT
fsr-3324	195	34	smoke	smoke	NOUN
fsr-3324	195	35	,	,	PUNCT
fsr-3324	195	36	seatbelt	seatbelt	NOUN
fsr-3324	195	37	,	,	PUNCT
fsr-3324	195	38	and	and	CCONJ
fsr-3324	195	39	all	all	DET
fsr-3324	195	40	expl	expl	NOUN
fsr-3324	195	41	levels	level	NOUN
fsr-3324	195	42	.	.	PUNCT
fsr-3324	196	1	to	to	PART
fsr-3324	196	2	test	test	VERB
fsr-3324	196	3	the	the	DET
fsr-3324	196	4	null	null	ADJ
fsr-3324	196	5	hypothesis	hypothesis	NOUN
fsr-3324	196	6	,	,	PUNCT
fsr-3324	196	7	does	do	VERB
fsr-3324	196	8	the	the	DET
fsr-3324	196	9	source	source	NOUN
fsr-3324	196	10	of	of	ADP
fsr-3324	196	11	the	the	DET
fsr-3324	196	12	payment	payment	NOUN
fsr-3324	196	13	matter	matter	NOUN
fsr-3324	196	14	,	,	PUNCT
fsr-3324	196	15	four	four	NUM
fsr-3324	196	16	sets	set	NOUN
fsr-3324	196	17	of	of	ADP
fsr-3324	196	18	regressions	regression	NOUN
fsr-3324	196	19	were	be	AUX
fsr-3324	196	20	run	run	VERB
fsr-3324	196	21	.	.	PUNCT
fsr-3324	197	1	in	in	ADP
fsr-3324	197	2	the	the	DET
fsr-3324	197	3	first	first	ADJ
fsr-3324	197	4	set	set	NOUN
fsr-3324	197	5	,	,	PUNCT
fsr-3324	197	6	the	the	DET
fsr-3324	197	7	dependent	dependent	ADJ
fsr-3324	197	8	variable	variable	NOUN
fsr-3324	197	9	longer	long	ADJ
fsr-3324	197	10	term	term	NOUN
fsr-3324	197	11	savings	saving	NOUN
fsr-3324	197	12	(	(	PUNCT
fsr-3324	197	13	ltsavyr	ltsavyr	PROPN
fsr-3324	197	14	)	)	PUNCT
fsr-3324	197	15	for	for	ADP
fsr-3324	197	16	the	the	DET
fsr-3324	197	17	lump	lump	NOUN
fsr-3324	197	18	sum	sum	NOUN
fsr-3324	197	19	payment	payment	NOUN
fsr-3324	197	20	was	be	AUX
fsr-3324	197	21	regressed	regress	VERB
fsr-3324	197	22	.	.	PUNCT
fsr-3324	198	1	the	the	DET
fsr-3324	198	2	results	result	NOUN
fsr-3324	198	3	are	be	AUX
fsr-3324	198	4	presented	present	VERB
fsr-3324	198	5	in	in	ADP
fsr-3324	198	6	table	table	NOUN
fsr-3324	198	7	2	2	NUM
fsr-3324	198	8	.	.	PUNCT
fsr-3324	199	1	the	the	DET
fsr-3324	199	2	percentage	percentage	NOUN
fsr-3324	199	3	saved	save	VERB
fsr-3324	199	4	,	,	PUNCT
fsr-3324	199	5	long	long	ADJ
fsr-3324	199	6	term	term	NOUN
fsr-3324	199	7	,	,	PUNCT
fsr-3324	199	8	when	when	SCONJ
fsr-3324	199	9	given	give	VERB
fsr-3324	199	10	a	a	DET
fsr-3324	199	11	single	single	ADJ
fsr-3324	199	12	lump	lump	NOUN
fsr-3324	199	13	sum	sum	NOUN
fsr-3324	199	14	was	be	AUX
fsr-3324	199	15	found	find	VERB
fsr-3324	199	16	to	to	PART
fsr-3324	199	17	be	be	AUX
fsr-3324	199	18	significant	significant	ADJ
fsr-3324	199	19	and	and	CCONJ
fsr-3324	199	20	positively	positively	ADV
fsr-3324	199	21	related	relate	VERB
fsr-3324	199	22	to	to	ADP
fsr-3324	199	23	the	the	DET
fsr-3324	199	24	log	log	NOUN
fsr-3324	199	25	of	of	ADP
fsr-3324	199	26	income	income	NOUN
fsr-3324	199	27	(	(	PUNCT
fsr-3324	199	28	p	p	PROPN
fsr-3324	199	29	�	�	PROPN
fsr-3324	199	30	0.018	0.018	NUM
fsr-3324	199	31	)	)	PUNCT
fsr-3324	199	32	and	and	CCONJ
fsr-3324	199	33	zero	zero	NUM
fsr-3324	199	34	income	income	NOUN
fsr-3324	199	35	(	(	PUNCT
fsr-3324	199	36	p	p	NOUN
fsr-3324	199	37	�	�	PROPN
fsr-3324	199	38	0.0203	0.0203	NUM
fsr-3324	199	39	)	)	PUNCT
fsr-3324	199	40	.	.	PUNCT
fsr-3324	200	1	respondents	respondent	NOUN
fsr-3324	200	2	who	who	PRON
fsr-3324	200	3	reported	report	VERB
fsr-3324	200	4	a	a	DET
fsr-3324	200	5	zero	zero	NUM
fsr-3324	200	6	income	income	NOUN
fsr-3324	200	7	saved	save	VERB
fsr-3324	200	8	a	a	DET
fsr-3324	200	9	greater	great	ADJ
fsr-3324	200	10	percentage	percentage	NOUN
fsr-3324	200	11	of	of	ADP
fsr-3324	200	12	the	the	DET
fsr-3324	200	13	windfall	windfall	NOUN
fsr-3324	200	14	than	than	ADP
fsr-3324	200	15	those	those	PRON
fsr-3324	200	16	that	that	PRON
fsr-3324	200	17	reported	report	VERB
fsr-3324	200	18	earning	earn	VERB
fsr-3324	200	19	an	an	DET
fsr-3324	200	20	income	income	NOUN
fsr-3324	200	21	.	.	PUNCT
fsr-3324	201	1	the	the	DET
fsr-3324	201	2	parameter	parameter	NOUN
fsr-3324	201	3	estimate	estimate	NOUN
fsr-3324	201	4	indicates	indicate	VERB
fsr-3324	201	5	that	that	SCONJ
fsr-3324	201	6	those	those	PRON
fsr-3324	201	7	reporting	report	VERB
fsr-3324	201	8	zero	zero	NUM
fsr-3324	201	9	income	income	NOUN
fsr-3324	201	10	saved	save	VERB
fsr-3324	201	11	roughly	roughly	ADV
fsr-3324	201	12	23	23	NUM
fsr-3324	201	13	%	%	NOUN
fsr-3324	201	14	more	more	ADJ
fsr-3324	201	15	of	of	ADP
fsr-3324	201	16	the	the	DET
fsr-3324	201	17	payment	payment	NOUN
fsr-3324	201	18	than	than	ADP
fsr-3324	201	19	those	those	PRON
fsr-3324	201	20	reporting	report	VERB
fsr-3324	201	21	an	an	DET
fsr-3324	201	22	income	income	NOUN
fsr-3324	201	23	.	.	PUNCT
fsr-3324	202	1	though	though	SCONJ
fsr-3324	202	2	the	the	DET
fsr-3324	202	3	variable	variable	ADJ
fsr-3324	202	4	importance	importance	NOUN
fsr-3324	202	5	is	be	AUX
fsr-3324	202	6	significant	significant	ADJ
fsr-3324	202	7	only	only	ADV
fsr-3324	202	8	at	at	ADP
fsr-3324	202	9	the	the	DET
fsr-3324	202	10	10	10	NUM
fsr-3324	202	11	%	%	NOUN
fsr-3324	202	12	level	level	NOUN
fsr-3324	202	13	,	,	PUNCT
fsr-3324	202	14	the	the	DET
fsr-3324	202	15	sign	sign	NOUN
fsr-3324	202	16	of	of	ADP
fsr-3324	202	17	the	the	DET
fsr-3324	202	18	coefficient	coefficient	NOUN
fsr-3324	202	19	was	be	AUX
fsr-3324	202	20	negative	negative	ADJ
fsr-3324	202	21	,	,	PUNCT
fsr-3324	202	22	indicating	indicate	VERB
fsr-3324	202	23	that	that	SCONJ
fsr-3324	202	24	as	as	SCONJ
fsr-3324	202	25	the	the	DET
fsr-3324	202	26	distribution	distribution	NOUN
fsr-3324	202	27	as	as	ADP
fsr-3324	202	28	a	a	DET
fsr-3324	202	29	percentage	percentage	NOUN
fsr-3324	202	30	of	of	ADP
fsr-3324	202	31	respondent	respondent	NOUN
fsr-3324	202	32	’s	’s	PART
fsr-3324	202	33	income	income	NOUN
fsr-3324	202	34	decreased	decrease	VERB
fsr-3324	202	35	,	,	PUNCT
fsr-3324	202	36	more	more	ADV
fsr-3324	202	37	was	be	AUX
fsr-3324	202	38	saved	save	VERB
fsr-3324	202	39	as	as	ADP
fsr-3324	202	40	a	a	DET
fsr-3324	202	41	percentage	percentage	NOUN
fsr-3324	202	42	(	(	PUNCT
fsr-3324	202	43	p	p	NOUN
fsr-3324	202	44	�	�	PROPN
fsr-3324	202	45	0.096	0.096	NUM
fsr-3324	202	46	)	)	PUNCT
fsr-3324	202	47	.	.	PUNCT
fsr-3324	203	1	in	in	ADP
fsr-3324	203	2	other	other	ADJ
fsr-3324	203	3	words	word	NOUN
fsr-3324	203	4	,	,	PUNCT
fsr-3324	203	5	if	if	SCONJ
fsr-3324	203	6	the	the	DET
fsr-3324	203	7	payment	payment	NOUN
fsr-3324	203	8	was	be	AUX
fsr-3324	203	9	significantly	significantly	ADV
fsr-3324	203	10	larger	large	ADJ
fsr-3324	203	11	than	than	ADP
fsr-3324	203	12	the	the	DET
fsr-3324	203	13	income	income	NOUN
fsr-3324	203	14	,	,	PUNCT
fsr-3324	203	15	savings	saving	NOUN
fsr-3324	203	16	decreased	decrease	VERB
fsr-3324	203	17	.	.	PUNCT
fsr-3324	204	1	299v	299v	NOUN
fsr-3324	204	2	.	.	PUNCT
fsr-3324	205	1	chambers	chamber	NOUN
fsr-3324	205	2	et	et	PROPN
fsr-3324	205	3	al	al	PROPN
fsr-3324	205	4	.	.	PUNCT
fsr-3324	205	5	/	/	SYM
fsr-3324	205	6	financial	financial	ADJ
fsr-3324	205	7	services	service	NOUN
fsr-3324	205	8	review	review	VERB
fsr-3324	205	9	26	26	NUM
fsr-3324	205	10	(	(	PUNCT
fsr-3324	205	11	2017	2017	NUM
fsr-3324	205	12	)	)	PUNCT
fsr-3324	206	1	291–313	291–313	NUM
fsr-3324	206	2	where	where	SCONJ
fsr-3324	206	3	:	:	PUNCT
fsr-3324	206	4	income	income	NOUN
fsr-3324	206	5	log	log	NOUN
fsr-3324	206	6	of	of	ADP
fsr-3324	206	7	the	the	DET
fsr-3324	206	8	respondent	respondent	NOUN
fsr-3324	206	9	’s	’s	PART
fsr-3324	206	10	reported	report	VERB
fsr-3324	206	11	income	income	NOUN
fsr-3324	206	12	(	(	PUNCT
fsr-3324	206	13	plus	plus	CCONJ
fsr-3324	206	14	1	1	NUM
fsr-3324	206	15	)	)	PUNCT
fsr-3324	206	16	.	.	PUNCT
fsr-3324	207	1	zeroincome	zeroincome	PROPN
fsr-3324	207	2	dummy	dummy	ADJ
fsr-3324	207	3	variable	variable	NOUN
fsr-3324	207	4	�	�	PROPN
fsr-3324	207	5	1	1	NUM
fsr-3324	207	6	for	for	ADP
fsr-3324	207	7	those	those	PRON
fsr-3324	207	8	reporting	report	VERB
fsr-3324	207	9	zero	zero	NUM
fsr-3324	207	10	income	income	NOUN
fsr-3324	207	11	.	.	PUNCT
fsr-3324	208	1	level(x	level(x	NOUN
fsr-3324	208	2	)	)	PUNCT
fsr-3324	208	3	dummy	dummy	ADJ
fsr-3324	208	4	variables	variable	NOUN
fsr-3324	208	5	representing	represent	VERB
fsr-3324	208	6	the	the	DET
fsr-3324	208	7	lump	lump	NOUN
fsr-3324	208	8	sum	sum	NOUN
fsr-3324	208	9	for	for	ADP
fsr-3324	208	10	the	the	DET
fsr-3324	208	11	different	different	ADJ
fsr-3324	208	12	amounts	amount	NOUN
fsr-3324	208	13	used	use	VERB
fsr-3324	208	14	in	in	ADP
fsr-3324	208	15	the	the	DET
fsr-3324	208	16	survey	survey	NOUN
fsr-3324	208	17	.	.	PUNCT
fsr-3324	209	1	monthly	monthly	ADJ
fsr-3324	209	2	pmt	pmt	PROPN
fsr-3324	209	3	dummy	dummy	ADJ
fsr-3324	209	4	variable	variable	NOUN
fsr-3324	209	5	equal	equal	ADJ
fsr-3324	209	6	to	to	ADP
fsr-3324	209	7	one	one	NUM
fsr-3324	209	8	if	if	SCONJ
fsr-3324	209	9	the	the	DET
fsr-3324	209	10	survey	survey	NOUN
fsr-3324	209	11	began	begin	VERB
fsr-3324	209	12	with	with	ADP
fsr-3324	209	13	the	the	DET
fsr-3324	209	14	monthly	monthly	ADJ
fsr-3324	209	15	payment	payment	NOUN
fsr-3324	209	16	or	or	CCONJ
fsr-3324	209	17	zero	zero	NUM
fsr-3324	209	18	if	if	SCONJ
fsr-3324	209	19	the	the	DET
fsr-3324	209	20	lump	lump	NOUN
fsr-3324	209	21	sum	sum	NOUN
fsr-3324	209	22	payment	payment	NOUN
fsr-3324	209	23	was	be	AUX
fsr-3324	209	24	presented	present	VERB
fsr-3324	209	25	first	first	ADV
fsr-3324	209	26	.	.	PUNCT
fsr-3324	210	1	hsed1	hsed1	VERB
fsr-3324	210	2	dummy	dummy	ADJ
fsr-3324	210	3	variable	variable	NOUN
fsr-3324	210	4	representing	represent	VERB
fsr-3324	210	5	the	the	DET
fsr-3324	210	6	respondent	respondent	NOUN
fsr-3324	210	7	indicating	indicate	VERB
fsr-3324	210	8	high	high	ADJ
fsr-3324	210	9	school	school	NOUN
fsr-3324	210	10	as	as	ADP
fsr-3324	210	11	their	their	PRON
fsr-3324	210	12	highest	high	ADJ
fsr-3324	210	13	education	education	NOUN
fsr-3324	210	14	level	level	NOUN
fsr-3324	210	15	.	.	PUNCT
fsr-3324	211	1	ased2	ased2	ADJ
fsr-3324	211	2	dummy	dummy	ADJ
fsr-3324	211	3	variable	variable	NOUN
fsr-3324	211	4	representing	represent	VERB
fsr-3324	211	5	the	the	DET
fsr-3324	211	6	respondent	respondent	NOUN
fsr-3324	211	7	indicating	indicate	VERB
fsr-3324	211	8	an	an	DET
fsr-3324	211	9	associate	associate	ADJ
fsr-3324	211	10	degree	degree	NOUN
fsr-3324	211	11	as	as	ADP
fsr-3324	211	12	their	their	PRON
fsr-3324	211	13	highest	high	ADJ
fsr-3324	211	14	education	education	NOUN
fsr-3324	211	15	level	level	NOUN
fsr-3324	211	16	.	.	PUNCT
fsr-3324	212	1	baed3	baed3	NOUN
fsr-3324	212	2	dummy	dummy	ADJ
fsr-3324	212	3	variable	variable	NOUN
fsr-3324	212	4	representing	represent	VERB
fsr-3324	212	5	the	the	DET
fsr-3324	212	6	respondent	respondent	NOUN
fsr-3324	212	7	indicating	indicate	VERB
fsr-3324	212	8	an	an	DET
fsr-3324	212	9	ba	ba	PROPN
fsr-3324	212	10	/	/	SYM
fsr-3324	212	11	bs	bs	NOUN
fsr-3324	212	12	degree	degree	NOUN
fsr-3324	212	13	as	as	ADP
fsr-3324	212	14	their	their	PRON
fsr-3324	212	15	highest	high	ADJ
fsr-3324	212	16	education	education	NOUN
fsr-3324	212	17	level	level	NOUN
fsr-3324	212	18	.	.	PUNCT
fsr-3324	213	1	graded4	graded4	PROPN
fsr-3324	213	2	dummy	dummy	ADJ
fsr-3324	213	3	variable	variable	NOUN
fsr-3324	213	4	representing	represent	VERB
fsr-3324	213	5	the	the	DET
fsr-3324	213	6	respondent	respondent	NOUN
fsr-3324	213	7	indicating	indicate	VERB
fsr-3324	213	8	the	the	DET
fsr-3324	213	9	graduate	graduate	ADJ
fsr-3324	213	10	level	level	NOUN
fsr-3324	213	11	as	as	ADP
fsr-3324	213	12	their	their	PRON
fsr-3324	213	13	highest	high	ADJ
fsr-3324	213	14	education	education	NOUN
fsr-3324	213	15	level	level	NOUN
fsr-3324	213	16	.	.	PUNCT
fsr-3324	214	1	gender	gender	NOUN
fsr-3324	214	2	equal	equal	ADJ
fsr-3324	214	3	to	to	ADP
fsr-3324	214	4	one	one	NUM
fsr-3324	214	5	for	for	ADP
fsr-3324	214	6	female	female	ADJ
fsr-3324	214	7	respondents	respondent	NOUN
fsr-3324	214	8	.	.	PUNCT
fsr-3324	215	1	age	age	VERB
fsr-3324	215	2	the	the	DET
fsr-3324	215	3	participant	participant	NOUN
fsr-3324	215	4	’s	’s	PART
fsr-3324	215	5	age	age	NOUN
fsr-3324	215	6	in	in	ADP
fsr-3324	215	7	years	year	NOUN
fsr-3324	215	8	.	.	PUNCT
fsr-3324	216	1	agesq	agesq	VERB
fsr-3324	216	2	the	the	DET
fsr-3324	216	3	square	square	NOUN
fsr-3324	216	4	of	of	ADP
fsr-3324	216	5	the	the	DET
fsr-3324	216	6	age	age	NOUN
fsr-3324	216	7	reported	report	VERB
fsr-3324	216	8	.	.	PUNCT
fsr-3324	217	1	importance	importance	NOUN
fsr-3324	217	2	the	the	DET
fsr-3324	217	3	monthly	monthly	ADJ
fsr-3324	217	4	payment	payment	NOUN
fsr-3324	217	5	given	give	VERB
fsr-3324	217	6	in	in	ADP
fsr-3324	217	7	the	the	DET
fsr-3324	217	8	survey	survey	NOUN
fsr-3324	217	9	divided	divide	VERB
fsr-3324	217	10	by	by	ADP
fsr-3324	217	11	the	the	DET
fsr-3324	217	12	participant	participant	NOUN
fsr-3324	217	13	’s	’s	PART
fsr-3324	217	14	income	income	NOUN
fsr-3324	217	15	.	.	PUNCT
fsr-3324	218	1	smoke	smoke	VERB
fsr-3324	218	2	dummy	dummy	ADJ
fsr-3324	218	3	variable	variable	NOUN
fsr-3324	218	4	equal	equal	ADJ
fsr-3324	218	5	to	to	ADP
fsr-3324	218	6	one	one	NUM
fsr-3324	218	7	if	if	SCONJ
fsr-3324	218	8	the	the	DET
fsr-3324	218	9	response	response	NOUN
fsr-3324	218	10	was	be	AUX
fsr-3324	218	11	“	"	PUNCT
fsr-3324	218	12	yes	yes	INTJ
fsr-3324	218	13	”	"	PUNCT
fsr-3324	218	14	to	to	ADP
fsr-3324	218	15	the	the	DET
fsr-3324	218	16	questions	question	NOUN
fsr-3324	218	17	about	about	ADP
fsr-3324	218	18	smoking	smoking	NOUN
fsr-3324	218	19	.	.	PUNCT
fsr-3324	219	1	seatbelt	seatbelt	NOUN
fsr-3324	219	2	dummy	dummy	ADJ
fsr-3324	219	3	variable	variable	NOUN
fsr-3324	219	4	equal	equal	ADJ
fsr-3324	219	5	to	to	ADP
fsr-3324	219	6	one	one	NUM
fsr-3324	219	7	if	if	SCONJ
fsr-3324	219	8	the	the	DET
fsr-3324	219	9	response	response	NOUN
fsr-3324	219	10	was	be	AUX
fsr-3324	219	11	“	"	PUNCT
fsr-3324	219	12	yes	yes	INTJ
fsr-3324	219	13	”	"	PUNCT
fsr-3324	219	14	to	to	ADP
fsr-3324	219	15	the	the	DET
fsr-3324	219	16	questions	question	NOUN
fsr-3324	219	17	about	about	ADP
fsr-3324	219	18	seatbelt	seatbelt	NOUN
fsr-3324	219	19	use	use	NOUN
fsr-3324	219	20	.	.	PUNCT
fsr-3324	220	1	spend1	spend1	NOUN
fsr-3324	220	2	dummy	dummy	NOUN
fsr-3324	220	3	set	set	VERB
fsr-3324	220	4	to	to	ADP
fsr-3324	220	5	one	one	NUM
fsr-3324	220	6	for	for	ADP
fsr-3324	220	7	those	those	PRON
fsr-3324	220	8	that	that	PRON
fsr-3324	220	9	answered	answer	VERB
fsr-3324	220	10	“	"	PUNCT
fsr-3324	220	11	spend	spend	NOUN
fsr-3324	220	12	”	"	PUNCT
fsr-3324	220	13	to	to	ADP
fsr-3324	220	14	the	the	DET
fsr-3324	220	15	question	question	NOUN
fsr-3324	220	16	,	,	PUNCT
fsr-3324	220	17	“	"	PUNCT
fsr-3324	220	18	when	when	SCONJ
fsr-3324	220	19	you	you	PRON
fsr-3324	220	20	get	get	VERB
fsr-3324	220	21	‘	'	PUNCT
fsr-3324	220	22	extra	extra	ADJ
fsr-3324	220	23	money	money	NOUN
fsr-3324	220	24	,	,	PUNCT
fsr-3324	220	25	’	'	PUNCT
fsr-3324	220	26	do	do	AUX
fsr-3324	220	27	you	you	PRON
fsr-3324	220	28	spend	spend	VERB
fsr-3324	220	29	it	it	PRON
fsr-3324	220	30	or	or	CCONJ
fsr-3324	220	31	save	save	VERB
fsr-3324	220	32	it	it	PRON
fsr-3324	220	33	?	?	PUNCT
fsr-3324	220	34	”	"	PUNCT
fsr-3324	220	35	table	table	NOUN
fsr-3324	220	36	1	1	NUM
fsr-3324	220	37	descriptive	descriptive	ADJ
fsr-3324	220	38	statistics	statistic	NOUN
fsr-3324	220	39	for	for	ADP
fsr-3324	220	40	sample	sample	NOUN
fsr-3324	220	41	participants	participant	NOUN
fsr-3324	220	42	variable	variable	ADJ
fsr-3324	221	1	n	n	PRON
fsr-3324	221	2	mean	mean	VERB
fsr-3324	221	3	25th	25th	NOUN
fsr-3324	221	4	percentile	percentile	ADJ
fsr-3324	221	5	median	median	PROPN
fsr-3324	221	6	75th	75th	ADJ
fsr-3324	221	7	percentile	percentile	ADJ
fsr-3324	221	8	maximum	maximum	ADJ
fsr-3324	221	9	standard	standard	ADJ
fsr-3324	221	10	deviation	deviation	NOUN
fsr-3324	221	11	income	income	NOUN
fsr-3324	221	12	1,350	1,350	NUM
fsr-3324	221	13	47627.84	47627.84	NUM
fsr-3324	221	14	6000.00	6000.00	NUM
fsr-3324	221	15	20000.00	20000.00	NUM
fsr-3324	221	16	55000.00	55000.00	NUM
fsr-3324	221	17	300000.00	300000.00	NUM
fsr-3324	221	18	122264.64	122264.64	NUM
fsr-3324	221	19	zeroincome	zeroincome	NOUN
fsr-3324	221	20	1,844	1,844	NUM
fsr-3324	221	21	0.1035792	0.1035792	NUM
fsr-3324	221	22	0	0	NUM
fsr-3324	221	23	0	0	SYM
fsr-3324	221	24	0	0	NUM
fsr-3324	221	25	1.0000000	1.0000000	NUM
fsr-3324	221	26	0.3047965	0.3047965	NUM
fsr-3324	221	27	level300	level300	PROPN
fsr-3324	221	28	1,844	1,844	NUM
fsr-3324	221	29	0.2559653	0.2559653	NUM
fsr-3324	221	30	0	0	NUM
fsr-3324	221	31	0	0	NUM
fsr-3324	221	32	1.0000000	1.0000000	NUM
fsr-3324	221	33	1.0000000	1.0000000	NUM
fsr-3324	221	34	0.4365208	0.4365208	NUM
fsr-3324	221	35	level600	level600	PROPN
fsr-3324	221	36	1,844	1,844	NUM
fsr-3324	221	37	0.2478308	0.2478308	NUM
fsr-3324	221	38	0	0	NUM
fsr-3324	221	39	0	0	NUM
fsr-3324	221	40	0	0	NUM
fsr-3324	221	41	1.0000000	1.0000000	NUM
fsr-3324	221	42	0.4318702	0.4318702	NUM
fsr-3324	221	43	level1500	level1500	PROPN
fsr-3324	221	44	1,844	1,844	NUM
fsr-3324	221	45	0.2180043	0.2180043	NUM
fsr-3324	221	46	0	0	NUM
fsr-3324	221	47	0	0	NUM
fsr-3324	221	48	0	0	NUM
fsr-3324	221	49	1.0000000	1.0000000	NUM
fsr-3324	221	50	0.4130024	0.4130024	NUM
fsr-3324	221	51	level3000	level3000	PROPN
fsr-3324	221	52	1,844	1,844	NUM
fsr-3324	221	53	0.2781996	0.2781996	NUM
fsr-3324	221	54	0	0	SYM
fsr-3324	221	55	0	0	NUM
fsr-3324	221	56	1.0000000	1.0000000	NUM
fsr-3324	221	57	1.0000000	1.0000000	NUM
fsr-3324	221	58	0.4482338	0.4482338	NUM
fsr-3324	221	59	monthlypmtmt	monthlypmtmt	VERB
fsr-3324	221	60	1,844	1,844	NUM
fsr-3324	221	61	0.4826464	0.4826464	NUM
fsr-3324	221	62	0	0	NUM
fsr-3324	221	63	0	0	NUM
fsr-3324	221	64	1.0000000	1.0000000	NUM
fsr-3324	221	65	1.0000000	1.0000000	NUM
fsr-3324	221	66	0.4998343	0.4998343	NUM
fsr-3324	222	1	hsed1	hsed1	NOUN
fsr-3324	222	2	1,791	1,791	NUM
fsr-3324	222	3	0.3417085	0.3417085	NUM
fsr-3324	222	4	0	0	NUM
fsr-3324	222	5	0	0	NUM
fsr-3324	222	6	1.0000000	1.0000000	NUM
fsr-3324	222	7	1.0000000	1.0000000	NUM
fsr-3324	222	8	0.4744149	0.4744149	NUM
fsr-3324	222	9	ased2	ased2	NOUN
fsr-3324	222	10	1,791	1,791	NUM
fsr-3324	222	11	0.1072027	0.1072027	NUM
fsr-3324	222	12	0	0	NUM
fsr-3324	222	13	0	0	NUM
fsr-3324	222	14	0	0	NUM
fsr-3324	222	15	1.0000000	1.0000000	NUM
fsr-3324	222	16	0.3094572	0.3094572	NUM
fsr-3324	222	17	baed3	baed3	NOUN
fsr-3324	222	18	1,791	1,791	NUM
fsr-3324	222	19	0.4684534	0.4684534	NUM
fsr-3324	222	20	0	0	NUM
fsr-3324	222	21	0	0	NUM
fsr-3324	222	22	1.0000000	1.0000000	NUM
fsr-3324	222	23	1.0000000	1.0000000	NUM
fsr-3324	222	24	0.4991432	0.4991432	NUM
fsr-3324	222	25	graded4	graded4	PROPN
fsr-3324	222	26	1,791	1,791	NUM
fsr-3324	222	27	0.0826354	0.0826354	NUM
fsr-3324	222	28	0	0	NUM
fsr-3324	222	29	0	0	NUM
fsr-3324	222	30	0	0	NUM
fsr-3324	222	31	1.0000000	1.0000000	NUM
fsr-3324	222	32	0.2754072	0.2754072	NUM
fsr-3324	222	33	gender	gender	NOUN
fsr-3324	222	34	1,812	1,812	NUM
fsr-3324	222	35	0.5413907	0.5413907	NUM
fsr-3324	222	36	0	0	NUM
fsr-3324	222	37	1.0000000	1.0000000	NUM
fsr-3324	222	38	1.0000000	1.0000000	NUM
fsr-3324	222	39	2.0000000	2.0000000	NUM
fsr-3324	222	40	0.4995280	0.4995280	NUM
fsr-3324	222	41	age	age	NOUN
fsr-3324	222	42	1,447	1,447	NUM
fsr-3324	222	43	23.0352453	23.0352453	NUM
fsr-3324	222	44	20.0000000	20.0000000	NUM
fsr-3324	222	45	21.0000000	21.0000000	NUM
fsr-3324	222	46	24.0000000	24.0000000	NUM
fsr-3324	222	47	80.0000000	80.0000000	NUM
fsr-3324	222	48	6.6002851	6.6002851	NUM
fsr-3324	222	49	agesq	agesq	VERB
fsr-3324	222	50	1,447	1,447	NUM
fsr-3324	222	51	574.1561852	574.1561852	NUM
fsr-3324	222	52	400.0000000	400.0000000	NUM
fsr-3324	222	53	441.0000000	441.0000000	NUM
fsr-3324	222	54	576.0000000	576.0000000	NUM
fsr-3324	222	55	6400.00	6400.00	NUM
fsr-3324	222	56	468.1131076	468.1131076	NUM
fsr-3324	222	57	importance	importance	NOUN
fsr-3324	222	58	1,350	1,350	NUM
fsr-3324	222	59	200.1580834	200.1580834	NUM
fsr-3324	222	60	0.0149999	0.0149999	NUM
fsr-3324	222	61	0.0499983	0.0499983	NUM
fsr-3324	222	62	0.2998501	0.2998501	NUM
fsr-3324	222	63	3000.00	3000.00	NUM
fsr-3324	222	64	633.8898301	633.8898301	NUM
fsr-3324	222	65	smoke	smoke	NOUN
fsr-3324	222	66	1,798	1,798	NUM
fsr-3324	222	67	0.1173526	0.1173526	NUM
fsr-3324	222	68	0	0	NUM
fsr-3324	222	69	0	0	NUM
fsr-3324	222	70	0	0	NUM
fsr-3324	222	71	1.0000000	1.0000000	NUM
fsr-3324	222	72	0.3219295	0.3219295	NUM
fsr-3324	222	73	seatbelt	seatbelt	NOUN
fsr-3324	222	74	1,782	1,782	NUM
fsr-3324	222	75	0.9595960	0.9595960	NUM
fsr-3324	222	76	1.0000000	1.0000000	NUM
fsr-3324	222	77	1.0000000	1.0000000	NUM
fsr-3324	222	78	1.0000000	1.0000000	NUM
fsr-3324	222	79	1.0000000	1.0000000	NUM
fsr-3324	222	80	0.1969602	0.1969602	NUM
fsr-3324	222	81	spend1	spend1	NOUN
fsr-3324	222	82	1,713	1,713	NUM
fsr-3324	222	83	0.3607706	0.3607706	NUM
fsr-3324	222	84	0	0	SYM
fsr-3324	222	85	0	0	NUM
fsr-3324	222	86	1.0000000	1.0000000	NUM
fsr-3324	222	87	1.0000000	1.0000000	NUM
fsr-3324	222	88	0.4803643	0.4803643	NUM
fsr-3324	222	89	expl1	expl1	NOUN
fsr-3324	222	90	1,794	1,794	NUM
fsr-3324	222	91	0.0562988	0.0562988	NUM
fsr-3324	222	92	0	0	NUM
fsr-3324	222	93	0	0	SYM
fsr-3324	222	94	0	0	NUM
fsr-3324	222	95	1.0000000	1.0000000	NUM
fsr-3324	222	96	0.2305620	0.2305620	NUM
fsr-3324	222	97	expl2	expl2	NOUN
fsr-3324	222	98	1,794	1,794	NUM
fsr-3324	222	99	0.1984392	0.1984392	NUM
fsr-3324	222	100	0	0	NUM
fsr-3324	222	101	0	0	NUM
fsr-3324	222	102	0	0	NUM
fsr-3324	222	103	1.0000000	1.0000000	NUM
fsr-3324	222	104	0.3989359	0.3989359	NUM
fsr-3324	222	105	expl3	expl3	NOUN
fsr-3324	222	106	1,794	1,794	NUM
fsr-3324	222	107	0.4665552	0.4665552	NUM
fsr-3324	222	108	0	0	SYM
fsr-3324	222	109	0	0	NUM
fsr-3324	222	110	1.0000000	1.0000000	NUM
fsr-3324	222	111	1.0000000	1.0000000	NUM
fsr-3324	222	112	0.4990193	0.4990193	NUM
fsr-3324	222	113	expl4	expl4	NOUN
fsr-3324	222	114	1,794	1,794	NUM
fsr-3324	222	115	0.1755853	0.1755853	NUM
fsr-3324	222	116	0	0	NUM
fsr-3324	222	117	0	0	SYM
fsr-3324	222	118	0	0	NUM
fsr-3324	222	119	1.0000000	1.0000000	NUM
fsr-3324	222	120	0.3805730	0.3805730	NUM
fsr-3324	222	121	expl5	expl5	NOUN
fsr-3324	222	122	1,794	1,794	NUM
fsr-3324	222	123	0.0490524	0.0490524	NUM
fsr-3324	222	124	0	0	NUM
fsr-3324	222	125	0	0	SYM
fsr-3324	222	126	0	0	NUM
fsr-3324	222	127	1.0000000	1.0000000	NUM
fsr-3324	222	128	0.2160377	0.2160377	NUM
fsr-3324	222	129	footerbonus	footerbonus	NOUN
fsr-3324	222	130	1,844	1,844	NUM
fsr-3324	222	131	0.1827549	0.1827549	NUM
fsr-3324	222	132	0	0	NUM
fsr-3324	222	133	0	0	SYM
fsr-3324	222	134	0	0	NUM
fsr-3324	222	135	1.0000000	1.0000000	NUM
fsr-3324	222	136	0.3865703	0.3865703	NUM
fsr-3324	222	137	footerlotto	footerlotto	NOUN
fsr-3324	222	138	1,844	1,844	NUM
fsr-3324	222	139	0.2152928	0.2152928	NUM
fsr-3324	222	140	0	0	NUM
fsr-3324	222	141	0	0	SYM
fsr-3324	222	142	0	0	NUM
fsr-3324	222	143	1.0000000	1.0000000	NUM
fsr-3324	222	144	0.4111368	0.4111368	NUM
fsr-3324	222	145	footertax	footertax	NOUN
fsr-3324	222	146	1,844	1,844	NUM
fsr-3324	222	147	0.1881779	0.1881779	NUM
fsr-3324	222	148	0	0	NUM
fsr-3324	222	149	0	0	SYM
fsr-3324	222	150	0	0	NUM
fsr-3324	222	151	1.0000000	1.0000000	NUM
fsr-3324	222	152	0.3909602	0.3909602	NUM
fsr-3324	222	153	footerinherit	footerinherit	NOUN
fsr-3324	222	154	1,844	1,844	NUM
fsr-3324	222	155	0.1979393	0.1979393	NUM
fsr-3324	222	156	0	0	NUM
fsr-3324	222	157	0	0	SYM
fsr-3324	222	158	0	0	NUM
fsr-3324	222	159	1.0000000	1.0000000	NUM
fsr-3324	222	160	0.3985542	0.3985542	NUM
fsr-3324	222	161	footergamg	footergamg	NOUN
fsr-3324	222	162	1,844	1,844	NUM
fsr-3324	222	163	0.2158351	0.2158351	NUM
fsr-3324	222	164	0	0	NUM
fsr-3324	222	165	0	0	SYM
fsr-3324	222	166	0	0	NUM
fsr-3324	222	167	1.0000000	1.0000000	NUM
fsr-3324	222	168	0.4115120	0.4115120	NUM
fsr-3324	222	169	ltsavmo	ltsavmo	NOUN
fsr-3324	222	170	1,774	1,774	NUM
fsr-3324	222	171	0.4127889	0.4127889	NUM
fsr-3324	222	172	0	0	NUM
fsr-3324	222	173	0.4000000	0.4000000	NUM
fsr-3324	222	174	0.6600000	0.6600000	NUM
fsr-3324	222	175	1.0000000	1.0000000	NUM
fsr-3324	222	176	0.3670234	0.3670234	NUM
fsr-3324	222	177	ltsavyr	ltsavyr	VERB
fsr-3324	222	178	1,766	1,766	NUM
fsr-3324	222	179	0.4701184	0.4701184	NUM
fsr-3324	222	180	0.2000000	0.2000000	NUM
fsr-3324	222	181	0.5000000	0.5000000	NUM
fsr-3324	222	182	0.6666667	0.6666667	NUM
fsr-3324	222	183	1.0000000	1.0000000	NUM
fsr-3324	222	184	0.3286521	0.3286521	NUM
fsr-3324	222	185	totasavmoo	totasavmoo	VERB
fsr-3324	222	186	1,774	1,774	NUM
fsr-3324	222	187	0.5575938	0.5575938	NUM
fsr-3324	222	188	0.2800000	0.2800000	NUM
fsr-3324	222	189	0.6000000	0.6000000	NUM
fsr-3324	222	190	1.0000000	1.0000000	NUM
fsr-3324	222	191	1.0000000	1.0000000	NUM
fsr-3324	222	192	0.3616980	0.3616980	NUM
fsr-3324	222	193	totalsavyr	totalsavyr	NOUN
fsr-3324	222	194	1,766	1,766	NUM
fsr-3324	222	195	0.6414166	0.6414166	NUM
fsr-3324	222	196	0.5000000	0.5000000	NUM
fsr-3324	222	197	0.6666667	0.6666667	NUM
fsr-3324	222	198	0.9100000	0.9100000	NUM
fsr-3324	222	199	1.0000000	1.0000000	NUM
fsr-3324	222	200	0.2943912	0.2943912	NUM
fsr-3324	222	201	300	300	NUM
fsr-3324	222	202	v.	v.	ADP
fsr-3324	222	203	chambers	chamber	NOUN
fsr-3324	223	1	et	et	PROPN
fsr-3324	223	2	al	al	PROPN
fsr-3324	223	3	.	.	PUNCT
fsr-3324	223	4	/	/	SYM
fsr-3324	223	5	financial	financial	ADJ
fsr-3324	223	6	services	service	NOUN
fsr-3324	223	7	review	review	VERB
fsr-3324	223	8	26	26	NUM
fsr-3324	223	9	(	(	PUNCT
fsr-3324	223	10	2017	2017	NUM
fsr-3324	223	11	)	)	PUNCT
fsr-3324	224	1	291–313	291–313	NUM
fsr-3324	224	2	the	the	DET
fsr-3324	224	3	level	level	NOUN
fsr-3324	224	4	of	of	ADP
fsr-3324	224	5	the	the	DET
fsr-3324	224	6	payment	payment	NOUN
fsr-3324	224	7	was	be	AUX
fsr-3324	224	8	also	also	ADV
fsr-3324	224	9	positively	positively	ADV
fsr-3324	224	10	related	relate	VERB
fsr-3324	224	11	to	to	ADP
fsr-3324	224	12	savings	saving	NOUN
fsr-3324	224	13	.	.	PUNCT
fsr-3324	225	1	those	those	PRON
fsr-3324	225	2	receiving	receive	VERB
fsr-3324	225	3	$	$	SYM
fsr-3324	225	4	600	600	NUM
fsr-3324	225	5	saved	save	VERB
fsr-3324	225	6	7.5	7.5	NUM
fsr-3324	225	7	%	%	NOUN
fsr-3324	225	8	more	more	ADJ
fsr-3324	225	9	of	of	ADP
fsr-3324	225	10	the	the	DET
fsr-3324	225	11	payment	payment	NOUN
fsr-3324	225	12	than	than	ADP
fsr-3324	225	13	those	those	PRON
fsr-3324	225	14	receiving	receive	VERB
fsr-3324	225	15	$	$	SYM
fsr-3324	225	16	300	300	NUM
fsr-3324	225	17	(	(	PUNCT
fsr-3324	225	18	p	p	PROPN
fsr-3324	225	19	�	�	PROPN
fsr-3324	225	20	0.012	0.012	NUM
fsr-3324	225	21	)	)	PUNCT
fsr-3324	225	22	,	,	PUNCT
fsr-3324	225	23	whereas	whereas	SCONJ
fsr-3324	225	24	those	those	PRON
fsr-3324	225	25	receiving	receive	VERB
fsr-3324	225	26	$	$	SYM
fsr-3324	225	27	3,000	3,000	NUM
fsr-3324	225	28	(	(	PUNCT
fsr-3324	225	29	10	10	NUM
fsr-3324	225	30	times	time	NOUN
fsr-3324	225	31	more	more	ADJ
fsr-3324	225	32	)	)	PUNCT
fsr-3324	225	33	,	,	PUNCT
fsr-3324	225	34	saved	save	VERB
fsr-3324	225	35	about	about	ADV
fsr-3324	225	36	7.4	7.4	NUM
fsr-3324	225	37	%	%	NOUN
fsr-3324	225	38	more	more	ADJ
fsr-3324	225	39	of	of	ADP
fsr-3324	225	40	that	that	DET
fsr-3324	225	41	payment	payment	NOUN
fsr-3324	225	42	than	than	ADP
fsr-3324	225	43	those	those	PRON
fsr-3324	225	44	who	who	PRON
fsr-3324	225	45	hypothetically	hypothetically	ADV
fsr-3324	225	46	received	receive	VERB
fsr-3324	225	47	the	the	DET
fsr-3324	225	48	$	$	SYM
fsr-3324	225	49	300	300	NUM
fsr-3324	225	50	payment	payment	NOUN
fsr-3324	225	51	(	(	PUNCT
fsr-3324	225	52	p	p	PROPN
fsr-3324	225	53	�	�	PROPN
fsr-3324	225	54	0.018	0.018	NUM
fsr-3324	225	55	)	)	PUNCT
fsr-3324	225	56	.	.	PUNCT
fsr-3324	226	1	those	those	PRON
fsr-3324	226	2	receiving	receive	VERB
fsr-3324	226	3	the	the	DET
fsr-3324	226	4	$	$	SYM
fsr-3324	226	5	1,500	1,500	NUM
fsr-3324	226	6	payment	payment	NOUN
fsr-3324	226	7	saved	save	VERB
fsr-3324	226	8	about	about	ADV
fsr-3324	226	9	5.7	5.7	NUM
fsr-3324	226	10	%	%	NOUN
fsr-3324	226	11	more	more	ADJ
fsr-3324	226	12	of	of	ADP
fsr-3324	226	13	the	the	DET
fsr-3324	226	14	payment	payment	NOUN
fsr-3324	226	15	than	than	ADP
fsr-3324	226	16	those	those	PRON
fsr-3324	226	17	receiving	receive	VERB
fsr-3324	226	18	the	the	DET
fsr-3324	226	19	$	$	SYM
fsr-3324	226	20	300	300	NUM
fsr-3324	226	21	payment	payment	NOUN
fsr-3324	226	22	,	,	PUNCT
fsr-3324	226	23	but	but	CCONJ
fsr-3324	226	24	that	that	DET
fsr-3324	226	25	result	result	NOUN
fsr-3324	226	26	is	be	AUX
fsr-3324	226	27	only	only	ADV
fsr-3324	226	28	significant	significant	ADJ
fsr-3324	226	29	at	at	ADP
fsr-3324	226	30	the	the	DET
fsr-3324	226	31	10	10	NUM
fsr-3324	226	32	%	%	NOUN
fsr-3324	226	33	level	level	NOUN
fsr-3324	226	34	(	(	PUNCT
fsr-3324	226	35	p	p	PROPN
fsr-3324	226	36	�	�	PROPN
fsr-3324	226	37	0.077	0.077	NUM
fsr-3324	226	38	)	)	PUNCT
fsr-3324	226	39	.	.	PUNCT
fsr-3324	227	1	respondents	respondent	NOUN
fsr-3324	227	2	were	be	AUX
fsr-3324	227	3	asked	ask	VERB
fsr-3324	227	4	to	to	PART
fsr-3324	227	5	report	report	VERB
fsr-3324	227	6	their	their	PRON
fsr-3324	227	7	“	"	PUNCT
fsr-3324	227	8	highest	high	ADJ
fsr-3324	227	9	education	education	NOUN
fsr-3324	227	10	level	level	NOUN
fsr-3324	227	11	:	:	PUNCT
fsr-3324	227	12	high	high	ADJ
fsr-3324	227	13	school	school	NOUN
fsr-3324	227	14	_	_	PUNCT
fsr-3324	228	1	_	_	PUNCT
fsr-3324	228	2	_	_	PUNCT
fsr-3324	229	1	associate	associate	ADJ
fsr-3324	229	2	degree	degree	NOUN
fsr-3324	229	3	_	_	PUNCT
fsr-3324	230	1	_	_	PUNCT
fsr-3324	230	2	_	_	PUNCT
fsr-3324	231	1	undergraduate	undergraduate	VERB
fsr-3324	231	2	_	_	PUNCT
fsr-3324	232	1	_	_	PUNCT
fsr-3324	232	2	_	_	PUNCT
fsr-3324	232	3	graduate	graduate	ADJ
fsr-3324	232	4	or	or	CCONJ
fsr-3324	232	5	above	above	ADP
fsr-3324	232	6	_	_	PUNCT
fsr-3324	233	1	_	_	PUNCT
fsr-3324	234	1	_	_	PUNCT
fsr-3324	234	2	.	.	PUNCT
fsr-3324	234	3	”	"	PUNCT
fsr-3324	235	1	dummy	dummy	ADJ
fsr-3324	235	2	variables	variable	NOUN
fsr-3324	235	3	were	be	AUX
fsr-3324	235	4	expl	expl	NOUN
fsr-3324	235	5	variable	variable	NOUN
fsr-3324	235	6	for	for	ADP
fsr-3324	235	7	the	the	DET
fsr-3324	235	8	answer	answer	NOUN
fsr-3324	235	9	to	to	ADP
fsr-3324	235	10	the	the	DET
fsr-3324	235	11	respondent	respondent	NOUN
fsr-3324	235	12	’s	’s	PART
fsr-3324	235	13	evaluation	evaluation	NOUN
fsr-3324	235	14	of	of	ADP
fsr-3324	235	15	her	her	PRON
fsr-3324	235	16	business	business	NOUN
fsr-3324	235	17	experience	experience	NOUN
fsr-3324	235	18	.	.	PUNCT
fsr-3324	236	1	the	the	DET
fsr-3324	236	2	values	value	NOUN
fsr-3324	236	3	range	range	VERB
fsr-3324	236	4	from	from	ADP
fsr-3324	236	5	0	0	NUM
fsr-3324	236	6	(	(	PUNCT
fsr-3324	236	7	none	none	NOUN
fsr-3324	236	8	)	)	PUNCT
fsr-3324	236	9	to	to	ADP
fsr-3324	236	10	5	5	NUM
fsr-3324	236	11	(	(	PUNCT
fsr-3324	236	12	high	high	ADJ
fsr-3324	236	13	)	)	PUNCT
fsr-3324	236	14	.	.	PUNCT
fsr-3324	237	1	these	these	DET
fsr-3324	237	2	responses	response	NOUN
fsr-3324	237	3	were	be	AUX
fsr-3324	237	4	transformed	transform	VERB
fsr-3324	237	5	to	to	ADP
fsr-3324	237	6	these	these	DET
fsr-3324	237	7	dummy	dummy	ADJ
fsr-3324	237	8	variables	variable	NOUN
fsr-3324	237	9	:	:	PUNCT
fsr-3324	237	10	expl1	expl1	PROPN
fsr-3324	237	11	group	group	NOUN
fsr-3324	237	12	respondents	respondent	NOUN
fsr-3324	237	13	reporting	report	VERB
fsr-3324	237	14	“	"	PUNCT
fsr-3324	237	15	low	low	ADJ
fsr-3324	237	16	”	"	PUNCT
fsr-3324	237	17	and	and	CCONJ
fsr-3324	237	18	“	"	PUNCT
fsr-3324	237	19	none	none	NOUN
fsr-3324	237	20	.	.	PUNCT
fsr-3324	237	21	”	"	PUNCT
fsr-3324	238	1	expl2	expl2	NOUN
fsr-3324	238	2	report	report	VERB
fsr-3324	238	3	“	"	PUNCT
fsr-3324	238	4	fairly	fairly	ADV
fsr-3324	238	5	low	low	ADJ
fsr-3324	238	6	,	,	PUNCT
fsr-3324	238	7	”	"	PUNCT
fsr-3324	238	8	expl3	expl3	ADJ
fsr-3324	238	9	report	report	NOUN
fsr-3324	238	10	“	"	PUNCT
fsr-3324	238	11	moderate	moderate	ADJ
fsr-3324	238	12	,	,	PUNCT
fsr-3324	238	13	”	"	PUNCT
fsr-3324	238	14	expl4	expl4	NOUN
fsr-3324	238	15	report	report	NOUN
fsr-3324	238	16	“	"	PUNCT
fsr-3324	238	17	fairly	fairly	ADV
fsr-3324	238	18	high	high	ADJ
fsr-3324	238	19	”	"	PUNCT
fsr-3324	238	20	and	and	CCONJ
fsr-3324	238	21	expl5	expl5	NOUN
fsr-3324	238	22	report	report	NOUN
fsr-3324	238	23	“	"	PUNCT
fsr-3324	238	24	high	high	ADJ
fsr-3324	238	25	.	.	PUNCT
fsr-3324	238	26	”	"	PUNCT
fsr-3324	239	1	footer	footer	ADJ
fsr-3324	239	2	a	a	DET
fsr-3324	239	3	dummy	dummy	ADJ
fsr-3324	239	4	variable	variable	NOUN
fsr-3324	239	5	of	of	ADP
fsr-3324	239	6	interest	interest	NOUN
fsr-3324	239	7	,	,	PUNCT
fsr-3324	239	8	representing	represent	VERB
fsr-3324	239	9	the	the	DET
fsr-3324	239	10	source	source	NOUN
fsr-3324	239	11	of	of	ADP
fsr-3324	239	12	the	the	DET
fsr-3324	239	13	payment	payment	NOUN
fsr-3324	239	14	,	,	PUNCT
fsr-3324	239	15	where	where	SCONJ
fsr-3324	239	16	bonus	bonus	NOUN
fsr-3324	239	17	�	�	PROPN
fsr-3324	239	18	bonus	bonus	NOUN
fsr-3324	239	19	,	,	PUNCT
fsr-3324	239	20	inherit	inherit	VERB
fsr-3324	239	21	�	�	PROPN
fsr-3324	239	22	inheritance	inheritance	NOUN
fsr-3324	239	23	,	,	PUNCT
fsr-3324	239	24	lotto	lotto	NOUN
fsr-3324	239	25	�	�	PROPN
fsr-3324	239	26	lottery	lottery	NOUN
fsr-3324	239	27	,	,	PUNCT
fsr-3324	239	28	game	game	NOUN
fsr-3324	239	29	�	�	PROPN
fsr-3324	239	30	game	game	NOUN
fsr-3324	239	31	show	show	NOUN
fsr-3324	239	32	,	,	PUNCT
fsr-3324	239	33	tax	tax	NOUN
fsr-3324	239	34	�	�	PROPN
fsr-3324	239	35	tax	tax	NOUN
fsr-3324	239	36	rebate	rebate	NOUN
fsr-3324	239	37	.	.	PUNCT
fsr-3324	240	1	ltsavmo	ltsavmo	NOUN
fsr-3324	240	2	the	the	DET
fsr-3324	240	3	percentage	percentage	NOUN
fsr-3324	240	4	of	of	ADP
fsr-3324	240	5	the	the	DET
fsr-3324	240	6	sum	sum	NOUN
fsr-3324	240	7	that	that	PRON
fsr-3324	240	8	is	be	AUX
fsr-3324	240	9	saved	save	VERB
fsr-3324	240	10	in	in	ADP
fsr-3324	240	11	when	when	SCONJ
fsr-3324	240	12	there	there	PRON
fsr-3324	240	13	is	be	VERB
fsr-3324	240	14	a	a	DET
fsr-3324	240	15	monthly	monthly	ADJ
fsr-3324	240	16	payment	payment	NOUN
fsr-3324	240	17	for	for	ADP
fsr-3324	240	18	one	one	NUM
fsr-3324	240	19	year	year	NOUN
fsr-3324	240	20	.	.	PUNCT
fsr-3324	241	1	ltsavyr	ltsavyr	VERB
fsr-3324	241	2	the	the	DET
fsr-3324	241	3	percentage	percentage	NOUN
fsr-3324	241	4	of	of	ADP
fsr-3324	241	5	the	the	DET
fsr-3324	241	6	sum	sum	NOUN
fsr-3324	241	7	that	that	PRON
fsr-3324	241	8	is	be	AUX
fsr-3324	241	9	saved	save	VERB
fsr-3324	241	10	in	in	ADP
fsr-3324	241	11	when	when	SCONJ
fsr-3324	241	12	the	the	DET
fsr-3324	241	13	payment	payment	NOUN
fsr-3324	241	14	is	be	AUX
fsr-3324	241	15	a	a	DET
fsr-3324	241	16	single	single	ADJ
fsr-3324	241	17	lump	lump	NOUN
fsr-3324	241	18	sum	sum	NOUN
fsr-3324	241	19	.	.	PUNCT
fsr-3324	242	1	totalsavmo	totalsavmo	NOUN
fsr-3324	242	2	the	the	DET
fsr-3324	242	3	percentage	percentage	NOUN
fsr-3324	242	4	of	of	ADP
fsr-3324	242	5	the	the	DET
fsr-3324	242	6	sum	sum	NOUN
fsr-3324	242	7	that	that	PRON
fsr-3324	242	8	is	be	AUX
fsr-3324	242	9	saved	save	VERB
fsr-3324	242	10	when	when	SCONJ
fsr-3324	242	11	there	there	PRON
fsr-3324	242	12	are	be	VERB
fsr-3324	242	13	monthly	monthly	ADJ
fsr-3324	242	14	payments	payment	NOUN
fsr-3324	242	15	for	for	ADP
fsr-3324	242	16	one	one	NUM
fsr-3324	242	17	year	year	NOUN
fsr-3324	242	18	.	.	PUNCT
fsr-3324	243	1	totalsavyr	totalsavyr	NOUN
fsr-3324	243	2	the	the	DET
fsr-3324	243	3	percentage	percentage	NOUN
fsr-3324	243	4	of	of	ADP
fsr-3324	243	5	the	the	DET
fsr-3324	243	6	sum	sum	NOUN
fsr-3324	243	7	that	that	PRON
fsr-3324	243	8	is	be	AUX
fsr-3324	243	9	saved	save	VERB
fsr-3324	243	10	when	when	SCONJ
fsr-3324	243	11	the	the	DET
fsr-3324	243	12	payment	payment	NOUN
fsr-3324	243	13	is	be	AUX
fsr-3324	243	14	a	a	DET
fsr-3324	243	15	single	single	ADJ
fsr-3324	243	16	lump	lump	NOUN
fsr-3324	243	17	sum	sum	NOUN
fsr-3324	243	18	.	.	PUNCT
fsr-3324	244	1	table	table	NOUN
fsr-3324	244	2	2	2	NUM
fsr-3324	244	3	longer	long	ADJ
fsr-3324	244	4	term	term	NOUN
fsr-3324	244	5	savings	saving	NOUN
fsr-3324	244	6	is	be	AUX
fsr-3324	244	7	the	the	DET
fsr-3324	244	8	dependent	dependent	ADJ
fsr-3324	244	9	variable	variable	NOUN
fsr-3324	244	10	,	,	PUNCT
fsr-3324	244	11	for	for	ADP
fsr-3324	244	12	lump	lump	NOUN
fsr-3324	244	13	sum	sum	NOUN
fsr-3324	244	14	payment	payment	NOUN
fsr-3324	244	15	analysis	analysis	NOUN
fsr-3324	244	16	of	of	ADP
fsr-3324	244	17	variance	variance	NOUN
fsr-3324	244	18	source	source	NOUN
fsr-3324	244	19	df	df	PROPN
fsr-3324	244	20	sum	sum	NOUN
fsr-3324	244	21	of	of	ADP
fsr-3324	244	22	squares	square	NOUN
fsr-3324	244	23	mean	mean	VERB
fsr-3324	244	24	square	square	ADJ
fsr-3324	244	25	f	f	PROPN
fsr-3324	244	26	value	value	NOUN
fsr-3324	244	27	pr	pr	PROPN
fsr-3324	244	28	�	�	PROPN
fsr-3324	244	29	f	f	PROPN
fsr-3324	244	30	model	model	NOUN
fsr-3324	244	31	24	24	NUM
fsr-3324	244	32	9.12929	9.12929	NUM
fsr-3324	244	33	0.38039	0.38039	NUM
fsr-3324	244	34	3.52	3.52	NUM
fsr-3324	244	35	�	�	NOUN
fsr-3324	244	36	.0001	.0001	NOUN
fsr-3324	244	37	error	error	NOUN
fsr-3324	244	38	959	959	NUM
fsr-3324	244	39	103.75996	103.75996	NUM
fsr-3324	244	40	0.10820	0.10820	NUM
fsr-3324	244	41	corrected	correct	VERB
fsr-3324	244	42	total	total	ADJ
fsr-3324	244	43	983	983	NUM
fsr-3324	244	44	112.88925	112.88925	NUM
fsr-3324	244	45	root	root	NOUN
fsr-3324	244	46	mse	mse	NOUN
fsr-3324	244	47	0.32893	0.32893	NUM
fsr-3324	244	48	r2	r2	NOUN
fsr-3324	244	49	0.0809	0.0809	NUM
fsr-3324	244	50	dependent	dependent	ADJ
fsr-3324	244	51	mean	mean	VERB
fsr-3324	245	1	0.46931	0.46931	NUM
fsr-3324	245	2	adj	adj	NOUN
fsr-3324	245	3	.	.	PUNCT
fsr-3324	245	4	r2	r2	PROPN
fsr-3324	245	5	0.0579	0.0579	NUM
fsr-3324	245	6	coefficient	coefficient	NOUN
fsr-3324	245	7	variable	variable	ADJ
fsr-3324	245	8	70.08904	70.08904	NUM
fsr-3324	245	9	parameter	parameter	NOUN
fsr-3324	245	10	estimates	estimate	VERB
fsr-3324	245	11	variable	variable	ADJ
fsr-3324	245	12	df	df	PROPN
fsr-3324	245	13	parameter	parameter	NOUN
fsr-3324	245	14	estimate	estimate	NOUN
fsr-3324	245	15	standard	standard	ADJ
fsr-3324	245	16	error	error	NOUN
fsr-3324	245	17	t	t	NOUN
fsr-3324	245	18	value	value	NOUN
fsr-3324	245	19	pr	pr	PROPN
fsr-3324	245	20	�	�	PROPN
fsr-3324	245	21	�	�	PROPN
fsr-3324	245	22	t	t	PROPN
fsr-3324	245	23	�	�	PROPN
fsr-3324	245	24	intercept	intercept	NOUN
fsr-3324	245	25	1	1	NUM
fsr-3324	245	26	�	�	NOUN
fsr-3324	245	27	0.09641	0.09641	NUM
fsr-3324	245	28	0.15288	0.15288	NUM
fsr-3324	245	29	�	�	PROPN
fsr-3324	245	30	0.63	0.63	NUM
fsr-3324	245	31	0.5284	0.5284	NUM
fsr-3324	246	1	lnincome	lnincome	NOUN
fsr-3324	246	2	1	1	NUM
fsr-3324	246	3	0.02008	0.02008	NUM
fsr-3324	246	4	0.00846	0.00846	NUM
fsr-3324	246	5	2.37	2.37	NUM
fsr-3324	246	6	0.0177	0.0177	NUM
fsr-3324	246	7	zeroincome	zeroincome	NOUN
fsr-3324	246	8	1	1	NUM
fsr-3324	246	9	0.22799	0.22799	NUM
fsr-3324	246	10	0.09807	0.09807	NUM
fsr-3324	246	11	2.32	2.32	NUM
fsr-3324	246	12	0.0203	0.0203	NUM
fsr-3324	246	13	level600	level600	ADP
fsr-3324	246	14	1	1	NUM
fsr-3324	246	15	0.07490	0.07490	NUM
fsr-3324	246	16	0.02971	0.02971	NUM
fsr-3324	246	17	2.52	2.52	NUM
fsr-3324	246	18	0.0119	0.0119	NUM
fsr-3324	246	19	level1500	level1500	NOUN
fsr-3324	246	20	1	1	NUM
fsr-3324	246	21	0.05671	0.05671	NUM
fsr-3324	246	22	0.03206	0.03206	NUM
fsr-3324	246	23	1.77	1.77	NUM
fsr-3324	246	24	0.0773	0.0773	NUM
fsr-3324	246	25	level3000	level3000	NOUN
fsr-3324	246	26	1	1	NUM
fsr-3324	246	27	0.07354	0.07354	NUM
fsr-3324	246	28	0.03114	0.03114	NUM
fsr-3324	246	29	2.36	2.36	NUM
fsr-3324	246	30	0.0184	0.0184	NUM
fsr-3324	246	31	ased2	ased2	NOUN
fsr-3324	246	32	1	1	NUM
fsr-3324	246	33	0.07236	0.07236	NUM
fsr-3324	246	34	0.03711	0.03711	NUM
fsr-3324	246	35	1.95	1.95	NUM
fsr-3324	246	36	0.0515	0.0515	NUM
fsr-3324	246	37	baed3	baed3	NOUN
fsr-3324	246	38	1	1	NUM
fsr-3324	246	39	0.06408	0.06408	NUM
fsr-3324	246	40	0.02481	0.02481	NUM
fsr-3324	246	41	2.58	2.58	NUM
fsr-3324	246	42	0.0100	0.0100	NUM
fsr-3324	246	43	graded4	graded4	X
fsr-3324	246	44	1	1	NUM
fsr-3324	246	45	0.07688	0.07688	NUM
fsr-3324	246	46	0.04608	0.04608	NUM
fsr-3324	246	47	1.67	1.67	NUM
fsr-3324	246	48	0.0955	0.0955	NUM
fsr-3324	246	49	age	age	NOUN
fsr-3324	246	50	1	1	NUM
fsr-3324	246	51	0.01532	0.01532	NUM
fsr-3324	246	52	0.00754	0.00754	NUM
fsr-3324	246	53	2.03	2.03	NUM
fsr-3324	246	54	0.0425	0.0425	NUM
fsr-3324	246	55	agesq	agesq	NOUN
fsr-3324	246	56	1	1	NUM
fsr-3324	246	57	�	�	NOUN
fsr-3324	246	58	0.00018961	0.00018961	NUM
fsr-3324	246	59	0.00010129	0.00010129	NUM
fsr-3324	246	60	�	�	PROPN
fsr-3324	246	61	1.87	1.87	NUM
fsr-3324	246	62	0.0615	0.0615	NUM
fsr-3324	246	63	importance	importance	NOUN
fsr-3324	246	64	1	1	NUM
fsr-3324	246	65	�	�	NOUN
fsr-3324	246	66	0.00004912	0.00004912	NUM
fsr-3324	246	67	0.00002956	0.00002956	NUM
fsr-3324	246	68	�	�	PROPN
fsr-3324	246	69	1.66	1.66	NUM
fsr-3324	246	70	0.0969	0.0969	NUM
fsr-3324	246	71	spend1	spend1	NOUN
fsr-3324	246	72	1	1	NUM
fsr-3324	246	73	�	�	PROPN
fsr-3324	246	74	0.09609	0.09609	NUM
fsr-3324	246	75	0.02232	0.02232	NUM
fsr-3324	246	76	�	�	SYM
fsr-3324	246	77	4.30	4.30	NUM
fsr-3324	246	78	�	�	NOUN
fsr-3324	246	79	.0001	.0001	PROPN
fsr-3324	246	80	full	full	ADJ
fsr-3324	246	81	model	model	NOUN
fsr-3324	246	82	was	be	AUX
fsr-3324	246	83	run	run	VERB
fsr-3324	246	84	,	,	PUNCT
fsr-3324	246	85	but	but	CCONJ
fsr-3324	246	86	only	only	ADV
fsr-3324	246	87	(	(	PUNCT
fsr-3324	246	88	marginally	marginally	ADV
fsr-3324	246	89	)	)	PUNCT
fsr-3324	246	90	significant	significant	ADJ
fsr-3324	246	91	variables	variable	NOUN
fsr-3324	246	92	are	be	AUX
fsr-3324	246	93	shown	show	VERB
fsr-3324	246	94	for	for	ADP
fsr-3324	246	95	parsimony	parsimony	NOUN
fsr-3324	246	96	.	.	PUNCT
fsr-3324	247	1	301v	301v	PROPN
fsr-3324	247	2	.	.	PUNCT
fsr-3324	248	1	chambers	chamber	NOUN
fsr-3324	248	2	et	et	PROPN
fsr-3324	248	3	al	al	PROPN
fsr-3324	248	4	.	.	PUNCT
fsr-3324	248	5	/	/	SYM
fsr-3324	248	6	financial	financial	ADJ
fsr-3324	248	7	services	service	NOUN
fsr-3324	248	8	review	review	VERB
fsr-3324	248	9	26	26	NUM
fsr-3324	248	10	(	(	PUNCT
fsr-3324	248	11	2017	2017	NUM
fsr-3324	248	12	)	)	PUNCT
fsr-3324	249	1	291–313	291–313	NUM
fsr-3324	249	2	created	create	VERB
fsr-3324	249	3	to	to	PART
fsr-3324	249	4	determine	determine	VERB
fsr-3324	249	5	if	if	SCONJ
fsr-3324	249	6	education	education	NOUN
fsr-3324	249	7	level	level	NOUN
fsr-3324	249	8	influenced	influence	VERB
fsr-3324	249	9	the	the	DET
fsr-3324	249	10	level	level	NOUN
fsr-3324	249	11	of	of	ADP
fsr-3324	249	12	savings	saving	NOUN
fsr-3324	249	13	.	.	PUNCT
fsr-3324	250	1	those	those	PRON
fsr-3324	250	2	that	that	PRON
fsr-3324	250	3	answered	answer	VERB
fsr-3324	250	4	“	"	PUNCT
fsr-3324	250	5	undergraduate	undergraduate	NOUN
fsr-3324	250	6	”	"	PUNCT
fsr-3324	250	7	saved	save	VERB
fsr-3324	250	8	6.4	6.4	NUM
fsr-3324	250	9	%	%	NOUN
fsr-3324	250	10	more	more	ADJ
fsr-3324	250	11	than	than	ADP
fsr-3324	250	12	those	those	PRON
fsr-3324	250	13	that	that	PRON
fsr-3324	250	14	reported	report	VERB
fsr-3324	250	15	“	"	PUNCT
fsr-3324	250	16	high	high	ADJ
fsr-3324	250	17	school	school	NOUN
fsr-3324	250	18	”	"	PUNCT
fsr-3324	250	19	(	(	PUNCT
fsr-3324	250	20	p	p	X
fsr-3324	250	21	�	�	PROPN
fsr-3324	250	22	0.01	0.01	NUM
fsr-3324	250	23	)	)	PUNCT
fsr-3324	250	24	.	.	PUNCT
fsr-3324	251	1	those	those	PRON
fsr-3324	251	2	that	that	PRON
fsr-3324	251	3	reported	report	VERB
fsr-3324	251	4	“	"	PUNCT
fsr-3324	251	5	associate	associate	ADJ
fsr-3324	251	6	degree	degree	NOUN
fsr-3324	251	7	”	"	PUNCT
fsr-3324	251	8	or	or	CCONJ
fsr-3324	251	9	“	"	PUNCT
fsr-3324	251	10	graduate	graduate	NOUN
fsr-3324	251	11	or	or	CCONJ
fsr-3324	251	12	above	above	ADV
fsr-3324	251	13	”	"	PUNCT
fsr-3324	251	14	also	also	ADV
fsr-3324	251	15	saved	save	VERB
fsr-3324	251	16	more	more	ADJ
fsr-3324	251	17	,	,	PUNCT
fsr-3324	251	18	7.2	7.2	NUM
fsr-3324	251	19	%	%	NOUN
fsr-3324	251	20	and	and	CCONJ
fsr-3324	251	21	7.7	7.7	NUM
fsr-3324	251	22	%	%	NOUN
fsr-3324	251	23	,	,	PUNCT
fsr-3324	251	24	respectively	respectively	ADV
fsr-3324	251	25	,	,	PUNCT
fsr-3324	251	26	but	but	CCONJ
fsr-3324	251	27	those	those	DET
fsr-3324	251	28	amounts	amount	NOUN
fsr-3324	251	29	are	be	AUX
fsr-3324	251	30	significant	significant	ADJ
fsr-3324	251	31	only	only	ADV
fsr-3324	251	32	at	at	ADP
fsr-3324	251	33	the	the	DET
fsr-3324	251	34	10	10	NUM
fsr-3324	251	35	%	%	NOUN
fsr-3324	251	36	level	level	NOUN
fsr-3324	251	37	(	(	PUNCT
fsr-3324	251	38	p	p	X
fsr-3324	251	39	�	�	PROPN
fsr-3324	251	40	0.051	0.051	NUM
fsr-3324	251	41	and	and	CCONJ
fsr-3324	251	42	p	p	X
fsr-3324	251	43	�	�	PROPN
fsr-3324	251	44	0.096	0.096	NUM
fsr-3324	251	45	,	,	PUNCT
fsr-3324	251	46	respectively	respectively	ADV
fsr-3324	251	47	)	)	PUNCT
fsr-3324	251	48	.	.	PUNCT
fsr-3324	252	1	that	that	PRON
fsr-3324	252	2	is	be	AUX
fsr-3324	252	3	,	,	PUNCT
fsr-3324	252	4	higher	high	ADJ
fsr-3324	252	5	levels	level	NOUN
fsr-3324	252	6	of	of	ADP
fsr-3324	252	7	education	education	NOUN
fsr-3324	252	8	were	be	AUX
fsr-3324	252	9	associated	associate	VERB
fsr-3324	252	10	with	with	ADP
fsr-3324	252	11	higher	high	ADJ
fsr-3324	252	12	levels	level	NOUN
fsr-3324	252	13	of	of	ADP
fsr-3324	252	14	savings	saving	NOUN
fsr-3324	252	15	.	.	PUNCT
fsr-3324	253	1	older	old	ADJ
fsr-3324	253	2	respondents	respondent	NOUN
fsr-3324	253	3	did	do	AUX
fsr-3324	253	4	save	save	VERB
fsr-3324	253	5	more	more	ADJ
fsr-3324	253	6	of	of	ADP
fsr-3324	253	7	the	the	DET
fsr-3324	253	8	payment	payment	NOUN
fsr-3324	253	9	.	.	PUNCT
fsr-3324	254	1	the	the	DET
fsr-3324	254	2	coefficient	coefficient	NOUN
fsr-3324	254	3	for	for	ADP
fsr-3324	254	4	the	the	DET
fsr-3324	254	5	variable	variable	ADJ
fsr-3324	254	6	age	age	NOUN
fsr-3324	254	7	was	be	AUX
fsr-3324	254	8	0.015	0.015	NUM
fsr-3324	254	9	,	,	PUNCT
fsr-3324	254	10	indicating	indicate	VERB
fsr-3324	254	11	that	that	SCONJ
fsr-3324	254	12	for	for	ADP
fsr-3324	254	13	each	each	DET
fsr-3324	254	14	year	year	NOUN
fsr-3324	254	15	older	old	ADJ
fsr-3324	254	16	the	the	DET
fsr-3324	254	17	respondent	respondent	NOUN
fsr-3324	254	18	was	be	AUX
fsr-3324	254	19	,	,	PUNCT
fsr-3324	254	20	the	the	DET
fsr-3324	254	21	savings	saving	NOUN
fsr-3324	254	22	was	be	AUX
fsr-3324	254	23	higher	high	ADJ
fsr-3324	254	24	by	by	ADP
fsr-3324	254	25	1.5	1.5	NUM
fsr-3324	254	26	%	%	NOUN
fsr-3324	254	27	(	(	PUNCT
fsr-3324	254	28	p	p	X
fsr-3324	254	29	�	�	PROPN
fsr-3324	254	30	0.043	0.043	NUM
fsr-3324	254	31	)	)	PUNCT
fsr-3324	254	32	.	.	PUNCT
fsr-3324	255	1	the	the	DET
fsr-3324	255	2	variable	variable	ADJ
fsr-3324	255	3	spend1	spend1	NOUN
fsr-3324	255	4	,	,	PUNCT
fsr-3324	255	5	indicating	indicate	VERB
fsr-3324	255	6	whether	whether	SCONJ
fsr-3324	255	7	a	a	DET
fsr-3324	255	8	respondent	respondent	NOUN
fsr-3324	255	9	’s	’s	PART
fsr-3324	255	10	default	default	NOUN
fsr-3324	255	11	behavior	behavior	NOUN
fsr-3324	255	12	pattern	pattern	NOUN
fsr-3324	255	13	was	be	AUX
fsr-3324	255	14	to	to	PART
fsr-3324	255	15	spend	spend	VERB
fsr-3324	255	16	any	any	DET
fsr-3324	255	17	extra	extra	ADJ
fsr-3324	255	18	money	money	NOUN
fsr-3324	255	19	received	receive	VERB
fsr-3324	255	20	,	,	PUNCT
fsr-3324	255	21	was	be	AUX
fsr-3324	255	22	economically	economically	ADV
fsr-3324	255	23	and	and	CCONJ
fsr-3324	255	24	statistically	statistically	ADV
fsr-3324	255	25	significant	significant	ADJ
fsr-3324	255	26	.	.	PUNCT
fsr-3324	256	1	those	those	PRON
fsr-3324	256	2	that	that	PRON
fsr-3324	256	3	answered	answer	VERB
fsr-3324	256	4	“	"	PUNCT
fsr-3324	256	5	spend	spend	NOUN
fsr-3324	256	6	”	"	PUNCT
fsr-3324	256	7	saved	save	VERB
fsr-3324	256	8	almost	almost	ADV
fsr-3324	256	9	10	10	NUM
fsr-3324	256	10	%	%	NOUN
fsr-3324	256	11	less	less	ADJ
fsr-3324	256	12	than	than	ADP
fsr-3324	256	13	those	those	PRON
fsr-3324	256	14	that	that	PRON
fsr-3324	256	15	answered	answer	VERB
fsr-3324	256	16	“	"	PUNCT
fsr-3324	256	17	save	save	VERB
fsr-3324	256	18	”	"	PUNCT
fsr-3324	256	19	(	(	PUNCT
fsr-3324	256	20	p	p	PROPN
fsr-3324	256	21	�	�	PROPN
fsr-3324	256	22	0.0001	0.0001	NUM
fsr-3324	256	23	)	)	PUNCT
fsr-3324	256	24	.	.	PUNCT
fsr-3324	257	1	table	table	NOUN
fsr-3324	257	2	2a	2a	NUM
fsr-3324	257	3	are	be	AUX
fsr-3324	257	4	lottery	lottery	NOUN
fsr-3324	257	5	,	,	PUNCT
fsr-3324	257	6	tax	tax	NOUN
fsr-3324	257	7	,	,	PUNCT
fsr-3324	257	8	inheritance	inheritance	NOUN
fsr-3324	257	9	,	,	PUNCT
fsr-3324	257	10	or	or	CCONJ
fsr-3324	257	11	game	game	NOUN
fsr-3324	257	12	show	show	NOUN
fsr-3324	257	13	sources	source	NOUN
fsr-3324	257	14	saved	save	VERB
fsr-3324	257	15	as	as	ADV
fsr-3324	257	16	much	much	ADJ
fsr-3324	257	17	as	as	ADP
fsr-3324	257	18	bonus	bonus	NOUN
fsr-3324	257	19	?	?	PUNCT
fsr-3324	258	1	(	(	PUNCT
fsr-3324	258	2	omitted	omit	VERB
fsr-3324	258	3	variable	variable	ADJ
fsr-3324	258	4	bonus	bonus	NOUN
fsr-3324	258	5	)	)	PUNCT
fsr-3324	258	6	df	df	PROPN
fsr-3324	258	7	parameter	parameter	NOUN
fsr-3324	258	8	estimate	estimate	NOUN
fsr-3324	258	9	standard	standard	ADJ
fsr-3324	258	10	error	error	NOUN
fsr-3324	258	11	t	t	NOUN
fsr-3324	258	12	value	value	NOUN
fsr-3324	258	13	pr	pr	PROPN
fsr-3324	258	14	�	�	PROPN
fsr-3324	258	15	�	�	PROPN
fsr-3324	258	16	t	t	PROPN
fsr-3324	258	17	�	�	PROPN
fsr-3324	258	18	footerlotto	footerlotto	NOUN
fsr-3324	258	19	1	1	NUM
fsr-3324	258	20	0.02365	0.02365	NUM
fsr-3324	258	21	0.03455	0.03455	NUM
fsr-3324	258	22	0.68	0.68	NUM
fsr-3324	258	23	0.4939	0.4939	NUM
fsr-3324	258	24	footertax	footertax	NOUN
fsr-3324	258	25	1	1	NUM
fsr-3324	259	1	0.06604	0.06604	NUM
fsr-3324	259	2	0.03450	0.03450	NUM
fsr-3324	259	3	1.91	1.91	NUM
fsr-3324	259	4	0.0559	0.0559	NUM
fsr-3324	259	5	footerinherit	footerinherit	NOUN
fsr-3324	259	6	1	1	NUM
fsr-3324	259	7	0.02145	0.02145	NUM
fsr-3324	259	8	0.03341	0.03341	NUM
fsr-3324	259	9	0.64	0.64	NUM
fsr-3324	259	10	0.5211	0.5211	NUM
fsr-3324	259	11	footergame	footergame	ADJ
fsr-3324	259	12	1	1	NUM
fsr-3324	259	13	�	�	PROPN
fsr-3324	259	14	0.04372	0.04372	NUM
fsr-3324	259	15	0.03343	0.03343	NUM
fsr-3324	259	16	�	�	NOUN
fsr-3324	259	17	1.31	1.31	NUM
fsr-3324	259	18	0.1912	0.1912	NUM
fsr-3324	259	19	table	table	NOUN
fsr-3324	259	20	2b	2b	NOUN
fsr-3324	259	21	are	be	AUX
fsr-3324	259	22	game	game	NOUN
fsr-3324	259	23	show	show	NOUN
fsr-3324	259	24	,	,	PUNCT
fsr-3324	259	25	tax	tax	NOUN
fsr-3324	259	26	,	,	PUNCT
fsr-3324	259	27	inheritance	inheritance	NOUN
fsr-3324	259	28	,	,	PUNCT
fsr-3324	259	29	or	or	CCONJ
fsr-3324	259	30	bonus	bonus	NOUN
fsr-3324	259	31	sources	source	NOUN
fsr-3324	259	32	saved	save	VERB
fsr-3324	259	33	as	as	ADV
fsr-3324	259	34	much	much	ADJ
fsr-3324	259	35	as	as	ADP
fsr-3324	259	36	lottery	lottery	NOUN
fsr-3324	259	37	?	?	PUNCT
fsr-3324	260	1	(	(	PUNCT
fsr-3324	260	2	omitted	omit	VERB
fsr-3324	260	3	variable	variable	ADJ
fsr-3324	260	4	lottery	lottery	NOUN
fsr-3324	260	5	)	)	PUNCT
fsr-3324	260	6	df	df	PROPN
fsr-3324	260	7	parameter	parameter	NOUN
fsr-3324	260	8	estimate	estimate	NOUN
fsr-3324	260	9	standard	standard	ADJ
fsr-3324	260	10	error	error	NOUN
fsr-3324	260	11	t	t	NOUN
fsr-3324	260	12	value	value	NOUN
fsr-3324	260	13	pr	pr	PROPN
fsr-3324	260	14	�	�	PROPN
fsr-3324	260	15	�	�	PROPN
fsr-3324	260	16	t	t	PROPN
fsr-3324	260	17	�	�	PROPN
fsr-3324	260	18	footergame	footergame	PROPN
fsr-3324	260	19	1	1	NUM
fsr-3324	260	20	�	�	PROPN
fsr-3324	260	21	0.06737	0.06737	NUM
fsr-3324	260	22	0.03380	0.03380	NUM
fsr-3324	260	23	�	�	PROPN
fsr-3324	260	24	1.99	1.99	NUM
fsr-3324	260	25	0.0466	0.0466	NUM
fsr-3324	260	26	footertax	footertax	NOUN
fsr-3324	260	27	1	1	NUM
fsr-3324	260	28	0.04240	0.04240	NUM
fsr-3324	260	29	0.03487	0.03487	NUM
fsr-3324	260	30	1.22	1.22	NUM
fsr-3324	260	31	0.2244	0.2244	NUM
fsr-3324	260	32	footerinherit	footerinherit	NOUN
fsr-3324	260	33	1	1	NUM
fsr-3324	260	34	�	�	PROPN
fsr-3324	260	35	0.00220	0.00220	NUM
fsr-3324	260	36	0.03367	0.03367	NUM
fsr-3324	260	37	�	�	PROPN
fsr-3324	260	38	0.07	0.07	NUM
fsr-3324	260	39	0.9479	0.9479	NUM
fsr-3324	260	40	footerbonus	footerbonus	NOUN
fsr-3324	260	41	1	1	NUM
fsr-3324	260	42	�	�	PROPN
fsr-3324	260	43	0.02365	0.02365	NUM
fsr-3324	260	44	0.03455	0.03455	NUM
fsr-3324	260	45	�	�	PROPN
fsr-3324	260	46	0.68	0.68	NUM
fsr-3324	260	47	0.4939	0.4939	NUM
fsr-3324	260	48	table	table	NOUN
fsr-3324	260	49	2c	2c	NOUN
fsr-3324	260	50	are	be	AUX
fsr-3324	260	51	lottery	lottery	NOUN
fsr-3324	260	52	,	,	PUNCT
fsr-3324	260	53	game	game	NOUN
fsr-3324	260	54	show	show	NOUN
fsr-3324	260	55	,	,	PUNCT
fsr-3324	260	56	inheritance	inheritance	NOUN
fsr-3324	260	57	,	,	PUNCT
fsr-3324	260	58	or	or	CCONJ
fsr-3324	260	59	bonus	bonus	NOUN
fsr-3324	260	60	sources	source	NOUN
fsr-3324	260	61	saved	save	VERB
fsr-3324	260	62	as	as	ADV
fsr-3324	260	63	much	much	ADJ
fsr-3324	260	64	as	as	ADP
fsr-3324	260	65	tax	tax	NOUN
fsr-3324	260	66	?	?	PUNCT
fsr-3324	261	1	(	(	PUNCT
fsr-3324	261	2	omitted	omit	VERB
fsr-3324	261	3	variable	variable	ADJ
fsr-3324	261	4	tax	tax	NOUN
fsr-3324	261	5	)	)	PUNCT
fsr-3324	261	6	df	df	PROPN
fsr-3324	261	7	parameter	parameter	NOUN
fsr-3324	261	8	estimate	estimate	NOUN
fsr-3324	261	9	standard	standard	ADJ
fsr-3324	261	10	error	error	NOUN
fsr-3324	261	11	t	t	NOUN
fsr-3324	261	12	value	value	NOUN
fsr-3324	261	13	pr	pr	PROPN
fsr-3324	261	14	�	�	PROPN
fsr-3324	261	15	�	�	PROPN
fsr-3324	261	16	t	t	PROPN
fsr-3324	261	17	�	�	PROPN
fsr-3324	261	18	footerlotto	footerlotto	PROPN
fsr-3324	261	19	1	1	NUM
fsr-3324	261	20	�	�	PROPN
fsr-3324	261	21	0.04240	0.04240	NUM
fsr-3324	261	22	0.03487	0.03487	NUM
fsr-3324	261	23	�	�	PROPN
fsr-3324	261	24	1.22	1.22	NUM
fsr-3324	261	25	0.2244	0.2244	NUM
fsr-3324	261	26	footergame	footergame	ADJ
fsr-3324	261	27	1	1	NUM
fsr-3324	261	28	�	�	PROPN
fsr-3324	261	29	0.10977	0.10977	NUM
fsr-3324	261	30	0.03360	0.03360	NUM
fsr-3324	261	31	�	�	PROPN
fsr-3324	261	32	3.27	3.27	NUM
fsr-3324	261	33	0.0011	0.0011	NUM
fsr-3324	261	34	footerinherit	footerinherit	NOUN
fsr-3324	261	35	1	1	NUM
fsr-3324	261	36	�	�	NOUN
fsr-3324	261	37	0.04460	0.04460	NUM
fsr-3324	261	38	0.03374	0.03374	NUM
fsr-3324	261	39	�	�	NOUN
fsr-3324	261	40	1.32	1.32	NUM
fsr-3324	261	41	0.1866	0.1866	NUM
fsr-3324	261	42	footerbonus	footerbonus	NOUN
fsr-3324	261	43	1	1	NUM
fsr-3324	261	44	�	�	NOUN
fsr-3324	261	45	0.06604	0.06604	NUM
fsr-3324	261	46	0.03450	0.03450	NUM
fsr-3324	261	47	�	�	NOUN
fsr-3324	261	48	1.91	1.91	NUM
fsr-3324	261	49	0.0559	0.0559	NUM
fsr-3324	261	50	table	table	NOUN
fsr-3324	261	51	2d	2d	NOUN
fsr-3324	261	52	are	be	AUX
fsr-3324	261	53	lottery	lottery	NOUN
fsr-3324	261	54	,	,	PUNCT
fsr-3324	261	55	tax	tax	NOUN
fsr-3324	261	56	,	,	PUNCT
fsr-3324	261	57	game	game	NOUN
fsr-3324	261	58	show	show	NOUN
fsr-3324	261	59	,	,	PUNCT
fsr-3324	261	60	or	or	CCONJ
fsr-3324	261	61	bonus	bonus	NOUN
fsr-3324	261	62	sources	source	NOUN
fsr-3324	261	63	saved	save	VERB
fsr-3324	261	64	as	as	ADV
fsr-3324	261	65	much	much	ADJ
fsr-3324	261	66	as	as	ADP
fsr-3324	261	67	inheritance	inheritance	NOUN
fsr-3324	261	68	?	?	PUNCT
fsr-3324	262	1	(	(	PUNCT
fsr-3324	262	2	omitted	omit	VERB
fsr-3324	262	3	variable	variable	ADJ
fsr-3324	262	4	inheritance	inheritance	NOUN
fsr-3324	262	5	)	)	PUNCT
fsr-3324	262	6	df	df	PROPN
fsr-3324	262	7	parameter	parameter	NOUN
fsr-3324	262	8	estimate	estimate	NOUN
fsr-3324	262	9	standard	standard	ADJ
fsr-3324	262	10	error	error	NOUN
fsr-3324	262	11	t	t	NOUN
fsr-3324	262	12	value	value	NOUN
fsr-3324	262	13	pr	pr	PROPN
fsr-3324	262	14	�	�	PROPN
fsr-3324	262	15	�	�	PROPN
fsr-3324	262	16	t	t	PROPN
fsr-3324	262	17	�	�	PROPN
fsr-3324	262	18	footerlotto	footerlotto	NOUN
fsr-3324	262	19	1	1	NUM
fsr-3324	262	20	0.00220	0.00220	NUM
fsr-3324	262	21	0.03367	0.03367	NUM
fsr-3324	262	22	0.07	0.07	NUM
fsr-3324	262	23	0.9479	0.9479	NUM
fsr-3324	262	24	footertax	footertax	NOUN
fsr-3324	262	25	1	1	NUM
fsr-3324	262	26	0.04460	0.04460	NUM
fsr-3324	263	1	0.03374	0.03374	NUM
fsr-3324	263	2	1.32	1.32	NUM
fsr-3324	263	3	0.1866	0.1866	NUM
fsr-3324	263	4	footergame	footergame	ADJ
fsr-3324	263	5	1	1	NUM
fsr-3324	263	6	�	�	PROPN
fsr-3324	263	7	0.06517	0.06517	NUM
fsr-3324	263	8	0.03253	0.03253	NUM
fsr-3324	263	9	�	�	PROPN
fsr-3324	263	10	2.00	2.00	NUM
fsr-3324	263	11	0.0454	0.0454	NUM
fsr-3324	263	12	footerbonus	footerbonus	NOUN
fsr-3324	263	13	1	1	NUM
fsr-3324	263	14	�	�	PROPN
fsr-3324	263	15	0.02145	0.02145	NUM
fsr-3324	263	16	0.03341	0.03341	NUM
fsr-3324	263	17	�	�	NOUN
fsr-3324	263	18	0.64	0.64	NUM
fsr-3324	263	19	0.5211	0.5211	NUM
fsr-3324	263	20	302	302	NUM
fsr-3324	263	21	v.	v.	ADP
fsr-3324	263	22	chambers	chamber	NOUN
fsr-3324	263	23	et	et	PROPN
fsr-3324	263	24	al	al	PROPN
fsr-3324	263	25	.	.	PUNCT
fsr-3324	263	26	/	/	SYM
fsr-3324	263	27	financial	financial	ADJ
fsr-3324	263	28	services	service	NOUN
fsr-3324	263	29	review	review	VERB
fsr-3324	263	30	26	26	NUM
fsr-3324	263	31	(	(	PUNCT
fsr-3324	263	32	2017	2017	NUM
fsr-3324	263	33	)	)	PUNCT
fsr-3324	264	1	291–313	291–313	NUM
fsr-3324	264	2	the	the	DET
fsr-3324	264	3	results	result	NOUN
fsr-3324	264	4	in	in	ADP
fsr-3324	264	5	table	table	NOUN
fsr-3324	264	6	2a	2a	NUM
fsr-3324	264	7	indicated	indicate	VERB
fsr-3324	264	8	marginally	marginally	ADV
fsr-3324	264	9	significant	significant	ADJ
fsr-3324	264	10	,	,	PUNCT
fsr-3324	264	11	lower	low	ADJ
fsr-3324	264	12	savings	saving	NOUN
fsr-3324	264	13	from	from	ADP
fsr-3324	264	14	bonus	bonus	NOUN
fsr-3324	264	15	payments	payment	NOUN
fsr-3324	264	16	than	than	ADP
fsr-3324	264	17	from	from	ADP
fsr-3324	264	18	tax	tax	NOUN
fsr-3324	264	19	rebates	rebate	NOUN
fsr-3324	264	20	.	.	PUNCT
fsr-3324	265	1	the	the	DET
fsr-3324	265	2	results	result	NOUN
fsr-3324	265	3	in	in	ADP
fsr-3324	265	4	table	table	NOUN
fsr-3324	265	5	2b	2b	NUM
fsr-3324	265	6	indicated	indicate	VERB
fsr-3324	265	7	that	that	SCONJ
fsr-3324	265	8	savings	saving	NOUN
fsr-3324	265	9	from	from	ADP
fsr-3324	265	10	lottery	lottery	NOUN
fsr-3324	265	11	payments	payment	NOUN
fsr-3324	265	12	were	be	AUX
fsr-3324	265	13	higher	high	ADJ
fsr-3324	265	14	than	than	ADP
fsr-3324	265	15	savings	saving	NOUN
fsr-3324	265	16	from	from	ADP
fsr-3324	265	17	game	game	NOUN
fsr-3324	265	18	show	show	NOUN
fsr-3324	265	19	payments	payment	NOUN
fsr-3324	265	20	at	at	ADP
fsr-3324	265	21	the	the	DET
fsr-3324	265	22	5	5	NUM
fsr-3324	265	23	%	%	NOUN
fsr-3324	265	24	significance	significance	NOUN
fsr-3324	265	25	level	level	NOUN
fsr-3324	265	26	.	.	PUNCT
fsr-3324	266	1	the	the	DET
fsr-3324	266	2	results	result	NOUN
fsr-3324	266	3	in	in	ADP
fsr-3324	266	4	table	table	NOUN
fsr-3324	266	5	2c	2c	NOUN
fsr-3324	266	6	indicated	indicate	VERB
fsr-3324	266	7	that	that	SCONJ
fsr-3324	266	8	savings	saving	NOUN
fsr-3324	266	9	from	from	ADP
fsr-3324	266	10	tax	tax	NOUN
fsr-3324	266	11	rebate	rebate	NOUN
fsr-3324	266	12	payments	payment	NOUN
fsr-3324	266	13	were	be	AUX
fsr-3324	266	14	higher	high	ADJ
fsr-3324	266	15	than	than	ADP
fsr-3324	266	16	savings	saving	NOUN
fsr-3324	266	17	from	from	ADP
fsr-3324	266	18	game	game	NOUN
fsr-3324	266	19	show	show	NOUN
fsr-3324	266	20	payments	payment	NOUN
fsr-3324	266	21	at	at	ADP
fsr-3324	266	22	the	the	DET
fsr-3324	266	23	1	1	NUM
fsr-3324	266	24	%	%	NOUN
fsr-3324	266	25	significance	significance	NOUN
fsr-3324	266	26	level	level	NOUN
fsr-3324	266	27	,	,	PUNCT
fsr-3324	266	28	and	and	CCONJ
fsr-3324	266	29	from	from	ADP
fsr-3324	266	30	bonus	bonus	NOUN
fsr-3324	266	31	payments	payment	NOUN
fsr-3324	266	32	at	at	ADP
fsr-3324	266	33	the	the	DET
fsr-3324	266	34	10	10	NUM
fsr-3324	266	35	%	%	NOUN
fsr-3324	266	36	significance	significance	NOUN
fsr-3324	266	37	level	level	NOUN
fsr-3324	266	38	.	.	PUNCT
fsr-3324	267	1	the	the	DET
fsr-3324	267	2	results	result	NOUN
fsr-3324	267	3	in	in	ADP
fsr-3324	267	4	table	table	NOUN
fsr-3324	267	5	2d	2d	NOUN
fsr-3324	267	6	indicated	indicate	VERB
fsr-3324	267	7	that	that	SCONJ
fsr-3324	267	8	savings	saving	NOUN
fsr-3324	267	9	from	from	ADP
fsr-3324	267	10	inheritance	inheritance	NOUN
fsr-3324	267	11	payments	payment	NOUN
fsr-3324	267	12	were	be	AUX
fsr-3324	267	13	higher	high	ADJ
fsr-3324	267	14	than	than	ADP
fsr-3324	267	15	savings	saving	NOUN
fsr-3324	267	16	from	from	ADP
fsr-3324	267	17	game	game	NOUN
fsr-3324	267	18	show	show	NOUN
fsr-3324	267	19	payments	payment	NOUN
fsr-3324	267	20	at	at	ADP
fsr-3324	267	21	the	the	DET
fsr-3324	267	22	5	5	NUM
fsr-3324	267	23	%	%	NOUN
fsr-3324	267	24	significance	significance	NOUN
fsr-3324	267	25	level	level	NOUN
fsr-3324	267	26	.	.	PUNCT
fsr-3324	268	1	table	table	NOUN
fsr-3324	268	2	3	3	NUM
fsr-3324	268	3	provides	provide	VERB
fsr-3324	268	4	the	the	DET
fsr-3324	268	5	results	result	NOUN
fsr-3324	268	6	for	for	ADP
fsr-3324	268	7	the	the	DET
fsr-3324	268	8	regression	regression	NOUN
fsr-3324	268	9	when	when	SCONJ
fsr-3324	268	10	the	the	DET
fsr-3324	268	11	(	(	PUNCT
fsr-3324	268	12	totalsavyr	totalsavyr	NOUN
fsr-3324	268	13	)	)	PUNCT
fsr-3324	268	14	total	total	ADJ
fsr-3324	268	15	savings	saving	NOUN
fsr-3324	268	16	from	from	ADP
fsr-3324	268	17	a	a	DET
fsr-3324	268	18	lump	lump	NOUN
fsr-3324	268	19	sum	sum	NOUN
fsr-3324	268	20	payment	payment	NOUN
fsr-3324	268	21	is	be	AUX
fsr-3324	268	22	used	use	VERB
fsr-3324	268	23	as	as	ADP
fsr-3324	268	24	the	the	DET
fsr-3324	268	25	dependent	dependent	ADJ
fsr-3324	268	26	variable	variable	NOUN
fsr-3324	268	27	.	.	PUNCT
fsr-3324	269	1	this	this	DET
fsr-3324	269	2	variable	variable	NOUN
fsr-3324	269	3	is	be	AUX
fsr-3324	269	4	composed	compose	VERB
fsr-3324	269	5	of	of	ADP
fsr-3324	269	6	the	the	DET
fsr-3324	269	7	longer	long	ADJ
fsr-3324	269	8	term	term	NOUN
fsr-3324	269	9	savings	saving	NOUN
fsr-3324	269	10	variable	variable	NOUN
fsr-3324	269	11	plus	plus	CCONJ
fsr-3324	269	12	the	the	DET
fsr-3324	269	13	amount	amount	NOUN
fsr-3324	269	14	saved	save	VERB
fsr-3324	269	15	“	"	PUNCT
fsr-3324	269	16	for	for	ADP
fsr-3324	269	17	infrequent	infrequent	ADJ
fsr-3324	269	18	expenses	expense	NOUN
fsr-3324	269	19	such	such	ADJ
fsr-3324	269	20	as	as	ADP
fsr-3324	269	21	vacations	vacation	NOUN
fsr-3324	269	22	,	,	PUNCT
fsr-3324	269	23	bigger	big	ADJ
fsr-3324	269	24	holiday	holiday	NOUN
fsr-3324	269	25	gifts	gift	NOUN
fsr-3324	269	26	,	,	PUNCT
fsr-3324	269	27	or	or	CCONJ
fsr-3324	269	28	something	something	PRON
fsr-3324	269	29	you	you	PRON
fsr-3324	269	30	’ve	’ve	AUX
fsr-3324	269	31	been	be	AUX
fsr-3324	269	32	wanting	want	VERB
fsr-3324	269	33	;	;	PUNCT
fsr-3324	269	34	”	"	PUNCT
fsr-3324	269	35	thus	thus	ADV
fsr-3324	269	36	,	,	PUNCT
fsr-3324	269	37	representing	represent	VERB
fsr-3324	269	38	the	the	DET
fsr-3324	269	39	total	total	ADJ
fsr-3324	269	40	amount	amount	NOUN
fsr-3324	269	41	devoted	devote	VERB
fsr-3324	269	42	to	to	ADP
fsr-3324	269	43	savings	saving	NOUN
fsr-3324	269	44	.	.	PUNCT
fsr-3324	270	1	similar	similar	ADJ
fsr-3324	270	2	to	to	ADP
fsr-3324	270	3	the	the	DET
fsr-3324	270	4	results	result	NOUN
fsr-3324	270	5	in	in	ADP
fsr-3324	270	6	table	table	NOUN
fsr-3324	270	7	2	2	NUM
fsr-3324	270	8	,	,	PUNCT
fsr-3324	270	9	the	the	DET
fsr-3324	270	10	variables	variable	NOUN
fsr-3324	270	11	income	income	NOUN
fsr-3324	270	12	,	,	PUNCT
fsr-3324	270	13	zero	zero	NUM
fsr-3324	270	14	income	income	NOUN
fsr-3324	270	15	,	,	PUNCT
fsr-3324	270	16	education	education	NOUN
fsr-3324	270	17	at	at	ADP
fsr-3324	270	18	the	the	DET
fsr-3324	270	19	associate	associate	NOUN
fsr-3324	270	20	’s	’s	PART
fsr-3324	270	21	degree	degree	NOUN
fsr-3324	270	22	level	level	NOUN
fsr-3324	270	23	,	,	PUNCT
fsr-3324	270	24	importance	importance	NOUN
fsr-3324	270	25	to	to	ADP
fsr-3324	270	26	the	the	DET
fsr-3324	270	27	budget	budget	NOUN
fsr-3324	270	28	,	,	PUNCT
fsr-3324	270	29	and	and	CCONJ
fsr-3324	270	30	spend1	spend1	NOUN
fsr-3324	270	31	were	be	AUX
fsr-3324	270	32	all	all	ADV
fsr-3324	270	33	significant	significant	ADJ
fsr-3324	270	34	at	at	ADP
fsr-3324	270	35	the	the	DET
fsr-3324	270	36	5	5	NUM
fsr-3324	270	37	%	%	NOUN
fsr-3324	270	38	level	level	NOUN
fsr-3324	270	39	.	.	PUNCT
fsr-3324	271	1	age	age	NOUN
fsr-3324	271	2	was	be	AUX
fsr-3324	271	3	marginally	marginally	ADV
fsr-3324	271	4	significant	significant	ADJ
fsr-3324	271	5	,	,	PUNCT
fsr-3324	271	6	at	at	ADP
fsr-3324	271	7	the	the	DET
fsr-3324	271	8	10	10	NUM
fsr-3324	271	9	%	%	NOUN
fsr-3324	271	10	level	level	NOUN
fsr-3324	271	11	(	(	PUNCT
fsr-3324	271	12	p	p	X
fsr-3324	271	13	�	�	PROPN
fsr-3324	271	14	0.070	0.070	NUM
fsr-3324	271	15	)	)	PUNCT
fsr-3324	271	16	.	.	PUNCT
fsr-3324	272	1	the	the	DET
fsr-3324	272	2	dummy	dummy	ADJ
fsr-3324	272	3	variables	variable	NOUN
fsr-3324	272	4	from	from	ADP
fsr-3324	272	5	the	the	DET
fsr-3324	272	6	different	different	ADJ
fsr-3324	272	7	amounts	amount	NOUN
fsr-3324	272	8	of	of	ADP
fsr-3324	272	9	the	the	DET
fsr-3324	272	10	payments	payment	NOUN
fsr-3324	272	11	were	be	AUX
fsr-3324	272	12	no	no	ADV
fsr-3324	272	13	longer	long	ADV
fsr-3324	272	14	significant	significant	ADJ
fsr-3324	272	15	.	.	PUNCT
fsr-3324	273	1	unlike	unlike	ADP
fsr-3324	273	2	for	for	ADP
fsr-3324	273	3	table	table	NOUN
fsr-3324	273	4	2	2	NUM
fsr-3324	273	5	,	,	PUNCT
fsr-3324	273	6	the	the	DET
fsr-3324	273	7	percentage	percentage	NOUN
fsr-3324	273	8	saved	save	VERB
fsr-3324	273	9	in	in	ADP
fsr-3324	273	10	table	table	NOUN
fsr-3324	273	11	3	3	NUM
fsr-3324	273	12	is	be	AUX
fsr-3324	273	13	not	not	PART
fsr-3324	273	14	statistically	statistically	ADV
fsr-3324	273	15	different	different	ADJ
fsr-3324	273	16	for	for	ADP
fsr-3324	273	17	those	those	PRON
fsr-3324	273	18	receiving	receive	VERB
fsr-3324	273	19	$	$	SYM
fsr-3324	273	20	300	300	NUM
fsr-3324	273	21	than	than	ADP
fsr-3324	273	22	those	those	PRON
fsr-3324	273	23	getting	get	VERB
fsr-3324	273	24	the	the	DET
fsr-3324	273	25	higher	high	ADJ
fsr-3324	273	26	amounts	amount	NOUN
fsr-3324	273	27	.	.	PUNCT
fsr-3324	274	1	those	those	PRON
fsr-3324	274	2	reporting	report	VERB
fsr-3324	274	3	an	an	DET
fsr-3324	274	4	undergraduate	undergraduate	NOUN
fsr-3324	274	5	or	or	CCONJ
fsr-3324	274	6	graduate	graduate	ADJ
fsr-3324	274	7	or	or	CCONJ
fsr-3324	274	8	higher	high	ADJ
fsr-3324	274	9	level	level	NOUN
fsr-3324	274	10	of	of	ADP
fsr-3324	274	11	education	education	NOUN
fsr-3324	274	12	did	do	AUX
fsr-3324	274	13	not	not	PART
fsr-3324	274	14	save	save	VERB
fsr-3324	274	15	a	a	DET
fsr-3324	274	16	statistically	statistically	ADV
fsr-3324	274	17	significant	significant	ADJ
fsr-3324	274	18	amount	amount	NOUN
fsr-3324	274	19	more	more	ADJ
fsr-3324	274	20	than	than	ADP
fsr-3324	274	21	those	those	PRON
fsr-3324	274	22	reporting	report	VERB
fsr-3324	274	23	a	a	DET
fsr-3324	274	24	high	high	ADJ
fsr-3324	274	25	school	school	NOUN
fsr-3324	274	26	level	level	NOUN
fsr-3324	274	27	of	of	ADP
fsr-3324	274	28	education	education	NOUN
fsr-3324	274	29	when	when	SCONJ
fsr-3324	274	30	presented	present	VERB
fsr-3324	274	31	a	a	DET
fsr-3324	274	32	single	single	ADJ
fsr-3324	274	33	lump	lump	NOUN
fsr-3324	274	34	sum	sum	NOUN
fsr-3324	274	35	.	.	PUNCT
fsr-3324	275	1	respondents	respondent	NOUN
fsr-3324	275	2	’	'	PUNCT
fsr-3324	275	3	default	default	NOUN
fsr-3324	275	4	behavior	behavior	NOUN
fsr-3324	275	5	,	,	PUNCT
fsr-3324	275	6	whether	whether	SCONJ
fsr-3324	275	7	they	they	PRON
fsr-3324	275	8	saw	see	VERB
fsr-3324	275	9	themselves	themselves	PRON
fsr-3324	275	10	as	as	ADP
fsr-3324	275	11	spenders	spender	NOUN
fsr-3324	275	12	or	or	CCONJ
fsr-3324	275	13	savers	saver	NOUN
fsr-3324	275	14	,	,	PUNCT
fsr-3324	275	15	again	again	ADV
fsr-3324	275	16	was	be	AUX
fsr-3324	275	17	highly	highly	ADV
fsr-3324	275	18	significant	significant	ADJ
fsr-3324	275	19	.	.	PUNCT
fsr-3324	276	1	table	table	NOUN
fsr-3324	276	2	3	3	NUM
fsr-3324	276	3	total	total	ADJ
fsr-3324	276	4	savings	saving	NOUN
fsr-3324	276	5	is	be	AUX
fsr-3324	276	6	the	the	DET
fsr-3324	276	7	dependent	dependent	ADJ
fsr-3324	276	8	variable	variable	NOUN
fsr-3324	276	9	—	—	PUNCT
fsr-3324	276	10	payment	payment	NOUN
fsr-3324	276	11	is	be	AUX
fsr-3324	276	12	made	make	VERB
fsr-3324	276	13	as	as	ADP
fsr-3324	276	14	a	a	DET
fsr-3324	276	15	lump	lump	NOUN
fsr-3324	276	16	sum	sum	NOUN
fsr-3324	276	17	analysis	analysis	NOUN
fsr-3324	276	18	of	of	ADP
fsr-3324	276	19	variance	variance	NOUN
fsr-3324	276	20	source	source	NOUN
fsr-3324	276	21	df	df	PROPN
fsr-3324	276	22	sum	sum	NOUN
fsr-3324	276	23	of	of	ADP
fsr-3324	276	24	squares	square	NOUN
fsr-3324	276	25	mean	mean	VERB
fsr-3324	276	26	square	square	ADJ
fsr-3324	276	27	f	f	PROPN
fsr-3324	276	28	value	value	NOUN
fsr-3324	276	29	pr	pr	PROPN
fsr-3324	276	30	�	�	PROPN
fsr-3324	276	31	f	f	PROPN
fsr-3324	276	32	model	model	NOUN
fsr-3324	276	33	24	24	NUM
fsr-3324	276	34	7.28237	7.28237	NUM
fsr-3324	276	35	0.30343	0.30343	NUM
fsr-3324	276	36	3.43	3.43	NUM
fsr-3324	276	37	�	�	NOUN
fsr-3324	276	38	.0001	.0001	NOUN
fsr-3324	276	39	error	error	NOUN
fsr-3324	276	40	959	959	NUM
fsr-3324	276	41	84.78328	84.78328	NUM
fsr-3324	276	42	0.08841	0.08841	NUM
fsr-3324	276	43	corrected	correct	VERB
fsr-3324	276	44	total	total	ADJ
fsr-3324	276	45	983	983	NUM
fsr-3324	276	46	92.06565	92.06565	NUM
fsr-3324	276	47	root	root	NOUN
fsr-3324	276	48	mse	mse	NOUN
fsr-3324	276	49	0.29733	0.29733	NUM
fsr-3324	276	50	r2	r2	PROPN
fsr-3324	276	51	0.0791	0.0791	NUM
fsr-3324	276	52	dependent	dependent	ADJ
fsr-3324	276	53	mean	mean	VERB
fsr-3324	276	54	0.63737	0.63737	NUM
fsr-3324	276	55	adj	adj	NOUN
fsr-3324	276	56	.	.	PUNCT
fsr-3324	276	57	r2	r2	PROPN
fsr-3324	276	58	0.0561	0.0561	NUM
fsr-3324	276	59	coefficient	coefficient	NOUN
fsr-3324	276	60	variable	variable	ADJ
fsr-3324	277	1	46.65046	46.65046	NUM
fsr-3324	277	2	parameter	parameter	NOUN
fsr-3324	277	3	estimates	estimate	VERB
fsr-3324	277	4	variable	variable	ADJ
fsr-3324	277	5	df	df	PROPN
fsr-3324	277	6	parameter	parameter	NOUN
fsr-3324	277	7	estimate	estimate	NOUN
fsr-3324	277	8	standard	standard	ADJ
fsr-3324	277	9	error	error	NOUN
fsr-3324	277	10	t	t	NOUN
fsr-3324	277	11	value	value	NOUN
fsr-3324	277	12	pr	pr	PROPN
fsr-3324	277	13	�	�	PROPN
fsr-3324	277	14	�	�	PROPN
fsr-3324	277	15	t	t	PROPN
fsr-3324	277	16	�	�	PROPN
fsr-3324	277	17	intercept	intercept	VERB
fsr-3324	277	18	1	1	NUM
fsr-3324	277	19	0.21583	0.21583	NUM
fsr-3324	277	20	0.13820	0.13820	NUM
fsr-3324	277	21	1.56	1.56	NUM
fsr-3324	277	22	0.1187	0.1187	NUM
fsr-3324	277	23	lnincome	lnincome	NOUN
fsr-3324	277	24	1	1	NUM
fsr-3324	277	25	0.02259	0.02259	NUM
fsr-3324	277	26	0.00764	0.00764	NUM
fsr-3324	277	27	2.96	2.96	NUM
fsr-3324	277	28	0.0032	0.0032	NUM
fsr-3324	277	29	zeroincome	zeroincome	NOUN
fsr-3324	277	30	1	1	NUM
fsr-3324	277	31	0.28155	0.28155	NUM
fsr-3324	277	32	0.08865	0.08865	NUM
fsr-3324	277	33	3.18	3.18	NUM
fsr-3324	277	34	0.0015	0.0015	NUM
fsr-3324	277	35	ased2	ased2	NOUN
fsr-3324	277	36	1	1	NUM
fsr-3324	277	37	0.07724	0.07724	NUM
fsr-3324	278	1	0.03355	0.03355	NUM
fsr-3324	278	2	2.30	2.30	NUM
fsr-3324	278	3	0.0215	0.0215	NUM
fsr-3324	278	4	age	age	NOUN
fsr-3324	278	5	1	1	NUM
fsr-3324	278	6	0.01235	0.01235	NUM
fsr-3324	278	7	0.00682	0.00682	NUM
fsr-3324	278	8	1.81	1.81	NUM
fsr-3324	278	9	0.0704	0.0704	NUM
fsr-3324	278	10	importance	importance	NOUN
fsr-3324	278	11	1	1	NUM
fsr-3324	278	12	�	�	NOUN
fsr-3324	278	13	0.00005784	0.00005784	NUM
fsr-3324	278	14	0.00002672	0.00002672	NUM
fsr-3324	278	15	�	�	NOUN
fsr-3324	278	16	2.16	2.16	NUM
fsr-3324	278	17	0.0306	0.0306	NUM
fsr-3324	278	18	spend1	spend1	NOUN
fsr-3324	278	19	1	1	NUM
fsr-3324	278	20	�	�	PROPN
fsr-3324	278	21	0.11056	0.11056	NUM
fsr-3324	278	22	0.02018	0.02018	NUM
fsr-3324	278	23	�	�	SYM
fsr-3324	278	24	5.48	5.48	NUM
fsr-3324	278	25	�	�	PROPN
fsr-3324	278	26	.0001	.0001	PROPN
fsr-3324	278	27	full	full	ADJ
fsr-3324	278	28	model	model	NOUN
fsr-3324	278	29	was	be	AUX
fsr-3324	278	30	run	run	VERB
fsr-3324	278	31	,	,	PUNCT
fsr-3324	278	32	but	but	CCONJ
fsr-3324	278	33	only	only	ADV
fsr-3324	278	34	(	(	PUNCT
fsr-3324	278	35	marginally	marginally	ADV
fsr-3324	278	36	)	)	PUNCT
fsr-3324	278	37	significant	significant	ADJ
fsr-3324	278	38	variables	variable	NOUN
fsr-3324	278	39	are	be	AUX
fsr-3324	278	40	shown	show	VERB
fsr-3324	278	41	for	for	ADP
fsr-3324	278	42	parsimony	parsimony	NOUN
fsr-3324	278	43	.	.	PUNCT
fsr-3324	279	1	303v	303v	NUM
fsr-3324	279	2	.	.	PUNCT
fsr-3324	280	1	chambers	chamber	NOUN
fsr-3324	280	2	et	et	PROPN
fsr-3324	280	3	al	al	PROPN
fsr-3324	280	4	.	.	PUNCT
fsr-3324	280	5	/	/	SYM
fsr-3324	280	6	financial	financial	ADJ
fsr-3324	280	7	services	service	NOUN
fsr-3324	280	8	review	review	VERB
fsr-3324	280	9	26	26	NUM
fsr-3324	280	10	(	(	PUNCT
fsr-3324	280	11	2017	2017	NUM
fsr-3324	280	12	)	)	PUNCT
fsr-3324	281	1	291–313	291–313	NUM
fsr-3324	281	2	when	when	SCONJ
fsr-3324	281	3	comparing	compare	VERB
fsr-3324	281	4	whether	whether	SCONJ
fsr-3324	281	5	source	source	NOUN
fsr-3324	281	6	of	of	ADP
fsr-3324	281	7	income	income	NOUN
fsr-3324	281	8	was	be	AUX
fsr-3324	281	9	significant	significant	ADJ
fsr-3324	281	10	in	in	ADP
fsr-3324	281	11	windfalls	windfall	NOUN
fsr-3324	281	12	distributed	distribute	VERB
fsr-3324	281	13	monthly	monthly	ADV
fsr-3324	281	14	for	for	ADP
fsr-3324	281	15	a	a	DET
fsr-3324	281	16	year	year	NOUN
fsr-3324	281	17	,	,	PUNCT
fsr-3324	281	18	there	there	PRON
fsr-3324	281	19	were	be	VERB
fsr-3324	281	20	no	no	DET
fsr-3324	281	21	significant	significant	ADJ
fsr-3324	281	22	differences	difference	NOUN
fsr-3324	281	23	at	at	ADP
fsr-3324	281	24	the	the	DET
fsr-3324	281	25	p	p	X
fsr-3324	281	26	�	�	PROPN
fsr-3324	281	27	0.05	0.05	NUM
fsr-3324	281	28	level	level	NOUN
fsr-3324	281	29	.	.	PUNCT
fsr-3324	282	1	for	for	ADP
fsr-3324	282	2	total	total	ADJ
fsr-3324	282	3	savings	saving	NOUN
fsr-3324	282	4	with	with	ADP
fsr-3324	282	5	a	a	DET
fsr-3324	282	6	lump	lump	NOUN
fsr-3324	282	7	sum	sum	NOUN
fsr-3324	282	8	payment	payment	NOUN
fsr-3324	282	9	,	,	PUNCT
fsr-3324	282	10	game	game	NOUN
fsr-3324	282	11	show	show	NOUN
fsr-3324	282	12	winnings	winning	NOUN
fsr-3324	282	13	were	be	AUX
fsr-3324	282	14	saved	save	VERB
fsr-3324	282	15	less	less	ADJ
fsr-3324	282	16	than	than	ADP
fsr-3324	282	17	a	a	DET
fsr-3324	282	18	tax	tax	NOUN
fsr-3324	282	19	rebate	rebate	NOUN
fsr-3324	282	20	,	,	PUNCT
fsr-3324	282	21	but	but	CCONJ
fsr-3324	282	22	only	only	ADV
fsr-3324	282	23	at	at	ADP
fsr-3324	282	24	a	a	DET
fsr-3324	282	25	marginally	marginally	ADV
fsr-3324	282	26	significant	significant	ADJ
fsr-3324	282	27	level	level	NOUN
fsr-3324	282	28	of	of	ADP
fsr-3324	282	29	p	p	PROPN
fsr-3324	282	30	�	�	PROPN
fsr-3324	282	31	0.0632	0.0632	NUM
fsr-3324	282	32	.	.	PUNCT
fsr-3324	283	1	the	the	DET
fsr-3324	283	2	analysis	analysis	NOUN
fsr-3324	283	3	for	for	ADP
fsr-3324	283	4	tables	table	NOUN
fsr-3324	283	5	4	4	NUM
fsr-3324	283	6	and	and	CCONJ
fsr-3324	283	7	5	5	NUM
fsr-3324	283	8	are	be	AUX
fsr-3324	283	9	similar	similar	ADJ
fsr-3324	283	10	to	to	ADP
fsr-3324	283	11	tables	table	NOUN
fsr-3324	283	12	2	2	NUM
fsr-3324	283	13	and	and	CCONJ
fsr-3324	283	14	3	3	NUM
fsr-3324	283	15	;	;	PUNCT
fsr-3324	283	16	however	however	ADV
fsr-3324	283	17	,	,	PUNCT
fsr-3324	283	18	the	the	DET
fsr-3324	283	19	hypothetical	hypothetical	ADJ
fsr-3324	283	20	total	total	ADJ
fsr-3324	283	21	amount	amount	NOUN
fsr-3324	283	22	received	receive	VERB
fsr-3324	283	23	was	be	AUX
fsr-3324	283	24	distributed	distribute	VERB
fsr-3324	283	25	over	over	ADP
fsr-3324	283	26	12	12	NUM
fsr-3324	283	27	equal	equal	ADJ
fsr-3324	283	28	monthly	monthly	ADJ
fsr-3324	283	29	payments	payment	NOUN
fsr-3324	283	30	instead	instead	ADV
fsr-3324	283	31	of	of	ADP
fsr-3324	283	32	as	as	ADP
fsr-3324	283	33	a	a	DET
fsr-3324	283	34	lump	lump	NOUN
fsr-3324	283	35	sum	sum	NOUN
fsr-3324	283	36	.	.	PUNCT
fsr-3324	284	1	the	the	DET
fsr-3324	284	2	total	total	NOUN
fsr-3324	284	3	of	of	ADP
fsr-3324	284	4	the	the	DET
fsr-3324	284	5	monthly	monthly	ADJ
fsr-3324	284	6	payments	payment	NOUN
fsr-3324	284	7	equaled	equal	VERB
fsr-3324	284	8	the	the	DET
fsr-3324	284	9	lump	lump	NOUN
fsr-3324	284	10	sum	sum	NOUN
fsr-3324	284	11	payment	payment	NOUN
fsr-3324	284	12	.	.	PUNCT
fsr-3324	285	1	for	for	ADP
fsr-3324	285	2	instance	instance	NOUN
fsr-3324	285	3	,	,	PUNCT
fsr-3324	285	4	if	if	SCONJ
fsr-3324	285	5	the	the	DET
fsr-3324	285	6	lump	lump	NOUN
fsr-3324	285	7	sum	sum	NOUN
fsr-3324	285	8	amount	amount	NOUN
fsr-3324	285	9	was	be	AUX
fsr-3324	285	10	a	a	DET
fsr-3324	285	11	one	one	NUM
fsr-3324	285	12	-	-	PUNCT
fsr-3324	285	13	time	time	NOUN
fsr-3324	285	14	payment	payment	NOUN
fsr-3324	285	15	of	of	ADP
fsr-3324	285	16	$	$	SYM
fsr-3324	285	17	600	600	NUM
fsr-3324	285	18	,	,	PUNCT
fsr-3324	285	19	the	the	DET
fsr-3324	285	20	monthly	monthly	ADJ
fsr-3324	285	21	payment	payment	NOUN
fsr-3324	285	22	was	be	AUX
fsr-3324	285	23	$	$	SYM
fsr-3324	285	24	50	50	NUM
fsr-3324	285	25	for	for	ADP
fsr-3324	285	26	one	one	NUM
fsr-3324	285	27	year	year	NOUN
fsr-3324	285	28	.	.	PUNCT
fsr-3324	286	1	in	in	ADP
fsr-3324	286	2	table	table	NOUN
fsr-3324	286	3	4	4	NUM
fsr-3324	286	4	,	,	PUNCT
fsr-3324	286	5	longer	long	ADJ
fsr-3324	286	6	term	term	NOUN
fsr-3324	286	7	savings	saving	NOUN
fsr-3324	286	8	with	with	ADP
fsr-3324	286	9	a	a	DET
fsr-3324	286	10	monthly	monthly	ADJ
fsr-3324	286	11	payment	payment	NOUN
fsr-3324	286	12	,	,	PUNCT
fsr-3324	286	13	the	the	DET
fsr-3324	286	14	variable	variable	NOUN
fsr-3324	286	15	for	for	ADP
fsr-3324	286	16	the	the	DET
fsr-3324	286	17	log	log	NOUN
fsr-3324	286	18	of	of	ADP
fsr-3324	286	19	income	income	NOUN
fsr-3324	286	20	was	be	AUX
fsr-3324	286	21	still	still	ADV
fsr-3324	286	22	positive	positive	ADJ
fsr-3324	286	23	and	and	CCONJ
fsr-3324	286	24	significant	significant	ADJ
fsr-3324	286	25	at	at	ADP
fsr-3324	286	26	the	the	DET
fsr-3324	286	27	5	5	NUM
fsr-3324	286	28	%	%	NOUN
fsr-3324	286	29	level	level	NOUN
fsr-3324	286	30	.	.	PUNCT
fsr-3324	287	1	as	as	SCONJ
fsr-3324	287	2	more	more	ADJ
fsr-3324	287	3	income	income	NOUN
fsr-3324	287	4	was	be	AUX
fsr-3324	287	5	earned	earn	VERB
fsr-3324	287	6	,	,	PUNCT
fsr-3324	287	7	more	more	ADJ
fsr-3324	287	8	of	of	ADP
fsr-3324	287	9	the	the	DET
fsr-3324	287	10	amount	amount	NOUN
fsr-3324	287	11	received	receive	VERB
fsr-3324	287	12	was	be	AUX
fsr-3324	287	13	saved	save	VERB
fsr-3324	287	14	.	.	PUNCT
fsr-3324	288	1	however	however	ADV
fsr-3324	288	2	,	,	PUNCT
fsr-3324	288	3	the	the	DET
fsr-3324	288	4	dummy	dummy	ADJ
fsr-3324	288	5	variable	variable	NOUN
fsr-3324	288	6	for	for	ADP
fsr-3324	288	7	those	those	PRON
fsr-3324	288	8	reporting	report	VERB
fsr-3324	288	9	a	a	DET
fsr-3324	288	10	zero	zero	NUM
fsr-3324	288	11	income	income	NOUN
fsr-3324	288	12	was	be	AUX
fsr-3324	288	13	no	no	ADV
fsr-3324	288	14	longer	long	ADV
fsr-3324	288	15	significant	significant	ADJ
fsr-3324	288	16	,	,	PUNCT
fsr-3324	288	17	and	and	CCONJ
fsr-3324	288	18	neither	neither	PRON
fsr-3324	288	19	was	be	VERB
fsr-3324	288	20	the	the	DET
fsr-3324	288	21	variable	variable	NOUN
fsr-3324	288	22	for	for	ADP
fsr-3324	288	23	importance	importance	NOUN
fsr-3324	288	24	.	.	PUNCT
fsr-3324	289	1	as	as	SCONJ
fsr-3324	289	2	the	the	DET
fsr-3324	289	3	monthly	monthly	ADJ
fsr-3324	289	4	amount	amount	NOUN
fsr-3324	289	5	was	be	AUX
fsr-3324	289	6	only	only	ADV
fsr-3324	289	7	1/12	1/12	NUM
fsr-3324	289	8	of	of	ADP
fsr-3324	289	9	the	the	DET
fsr-3324	289	10	amount	amount	NOUN
fsr-3324	289	11	received	receive	VERB
fsr-3324	289	12	in	in	ADP
fsr-3324	289	13	the	the	DET
fsr-3324	289	14	lump	lump	NOUN
fsr-3324	289	15	sum	sum	NOUN
fsr-3324	289	16	question	question	NOUN
fsr-3324	289	17	(	(	PUNCT
fsr-3324	289	18	table	table	NOUN
fsr-3324	289	19	2	2	NUM
fsr-3324	289	20	)	)	PUNCT
fsr-3324	289	21	,	,	PUNCT
fsr-3324	289	22	though	though	ADV
fsr-3324	289	23	,	,	PUNCT
fsr-3324	289	24	this	this	PRON
fsr-3324	289	25	was	be	AUX
fsr-3324	289	26	not	not	PART
fsr-3324	289	27	surprising	surprising	ADJ
fsr-3324	289	28	because	because	SCONJ
fsr-3324	289	29	the	the	DET
fsr-3324	289	30	monthly	monthly	ADJ
fsr-3324	289	31	amount	amount	NOUN
fsr-3324	289	32	was	be	AUX
fsr-3324	289	33	likely	likely	ADV
fsr-3324	289	34	immaterial	immaterial	ADJ
fsr-3324	289	35	per	per	ADP
fsr-3324	289	36	chambers	chamber	NOUN
fsr-3324	289	37	et	et	PROPN
fsr-3324	289	38	al	al	PROPN
fsr-3324	289	39	.	.	PUNCT
fsr-3324	290	1	(	(	PUNCT
fsr-3324	290	2	2009	2009	NUM
fsr-3324	290	3	)	)	PUNCT
fsr-3324	290	4	.	.	PUNCT
fsr-3324	291	1	consistent	consistent	ADJ
fsr-3324	291	2	with	with	ADP
fsr-3324	291	3	the	the	DET
fsr-3324	291	4	findings	finding	NOUN
fsr-3324	291	5	in	in	ADP
fsr-3324	291	6	table	table	NOUN
fsr-3324	291	7	2	2	NUM
fsr-3324	291	8	(	(	PUNCT
fsr-3324	291	9	longer	long	ADJ
fsr-3324	291	10	-	-	PUNCT
fsr-3324	291	11	term	term	NOUN
fsr-3324	291	12	savings	saving	NOUN
fsr-3324	291	13	from	from	ADP
fsr-3324	291	14	a	a	DET
fsr-3324	291	15	lump	lump	NOUN
fsr-3324	291	16	sum	sum	NOUN
fsr-3324	291	17	payment	payment	NOUN
fsr-3324	291	18	)	)	PUNCT
fsr-3324	291	19	,	,	PUNCT
fsr-3324	291	20	more	more	ADV
fsr-3324	291	21	was	be	AUX
fsr-3324	291	22	saved	save	VERB
fsr-3324	291	23	as	as	SCONJ
fsr-3324	291	24	the	the	DET
fsr-3324	291	25	payment	payment	NOUN
fsr-3324	291	26	becomes	become	VERB
fsr-3324	291	27	larger	large	ADJ
fsr-3324	291	28	.	.	PUNCT
fsr-3324	292	1	those	those	PRON
fsr-3324	292	2	who	who	PRON
fsr-3324	292	3	received	receive	VERB
fsr-3324	292	4	a	a	DET
fsr-3324	292	5	total	total	ADJ
fsr-3324	292	6	amount	amount	NOUN
fsr-3324	292	7	of	of	ADP
fsr-3324	292	8	$	$	SYM
fsr-3324	292	9	600	600	NUM
fsr-3324	292	10	(	(	PUNCT
fsr-3324	292	11	$	$	SYM
fsr-3324	292	12	50	50	NUM
fsr-3324	292	13	a	a	DET
fsr-3324	292	14	month	month	NOUN
fsr-3324	292	15	)	)	PUNCT
fsr-3324	292	16	saved	save	VERB
fsr-3324	292	17	9.7	9.7	NUM
fsr-3324	292	18	%	%	NOUN
fsr-3324	292	19	more	more	ADJ
fsr-3324	292	20	of	of	ADP
fsr-3324	292	21	the	the	DET
fsr-3324	292	22	payment	payment	NOUN
fsr-3324	292	23	than	than	ADP
fsr-3324	292	24	those	those	PRON
fsr-3324	292	25	who	who	PRON
fsr-3324	292	26	received	receive	VERB
fsr-3324	292	27	$	$	SYM
fsr-3324	292	28	300	300	NUM
fsr-3324	292	29	(	(	PUNCT
fsr-3324	292	30	$	$	SYM
fsr-3324	292	31	25	25	NUM
fsr-3324	292	32	a	a	DET
fsr-3324	292	33	month	month	NOUN
fsr-3324	292	34	;	;	PUNCT
fsr-3324	292	35	p	p	PROPN
fsr-3324	292	36	�	�	PROPN
fsr-3324	292	37	0.004	0.004	NUM
fsr-3324	292	38	)	)	PUNCT
fsr-3324	292	39	.	.	PUNCT
fsr-3324	293	1	those	those	PRON
fsr-3324	293	2	who	who	PRON
fsr-3324	293	3	received	receive	VERB
fsr-3324	293	4	$	$	SYM
fsr-3324	293	5	3,000	3,000	NUM
fsr-3324	293	6	per	per	ADP
fsr-3324	293	7	year	year	NOUN
fsr-3324	293	8	(	(	PUNCT
fsr-3324	293	9	$	$	SYM
fsr-3324	293	10	250	250	NUM
fsr-3324	293	11	per	per	ADP
fsr-3324	293	12	month	month	NOUN
fsr-3324	293	13	)	)	PUNCT
fsr-3324	293	14	saved	save	VERB
fsr-3324	293	15	8.2	8.2	NUM
fsr-3324	293	16	%	%	NOUN
fsr-3324	293	17	more	more	ADJ
fsr-3324	293	18	of	of	ADP
fsr-3324	293	19	the	the	DET
fsr-3324	293	20	payment	payment	NOUN
fsr-3324	293	21	than	than	ADP
fsr-3324	293	22	those	those	PRON
fsr-3324	293	23	receiving	receive	VERB
fsr-3324	293	24	$	$	SYM
fsr-3324	293	25	300	300	NUM
fsr-3324	293	26	(	(	PUNCT
fsr-3324	293	27	$	$	SYM
fsr-3324	293	28	25	25	NUM
fsr-3324	293	29	a	a	DET
fsr-3324	293	30	month	month	NOUN
fsr-3324	293	31	;	;	PUNCT
fsr-3324	293	32	p	p	PROPN
fsr-3324	293	33	�	�	PROPN
fsr-3324	293	34	0.017	0.017	NUM
fsr-3324	293	35	)	)	PUNCT
fsr-3324	293	36	.	.	PUNCT
fsr-3324	294	1	similar	similar	ADJ
fsr-3324	294	2	to	to	ADP
fsr-3324	294	3	the	the	DET
fsr-3324	294	4	results	result	NOUN
fsr-3324	294	5	in	in	ADP
fsr-3324	294	6	table	table	NOUN
fsr-3324	294	7	2	2	NUM
fsr-3324	294	8	,	,	PUNCT
fsr-3324	294	9	those	those	PRON
fsr-3324	294	10	that	that	PRON
fsr-3324	294	11	received	receive	VERB
fsr-3324	294	12	$	$	SYM
fsr-3324	294	13	1,500	1,500	NUM
fsr-3324	294	14	(	(	PUNCT
fsr-3324	294	15	$	$	SYM
fsr-3324	294	16	125	125	NUM
fsr-3324	294	17	a	a	DET
fsr-3324	294	18	month	month	NOUN
fsr-3324	294	19	)	)	PUNCT
fsr-3324	294	20	saved	save	VERB
fsr-3324	294	21	6.1	6.1	NUM
fsr-3324	294	22	%	%	NOUN
fsr-3324	294	23	than	than	ADP
fsr-3324	294	24	those	those	PRON
fsr-3324	294	25	receiving	receive	VERB
fsr-3324	294	26	$	$	SYM
fsr-3324	294	27	300	300	NUM
fsr-3324	294	28	(	(	PUNCT
fsr-3324	294	29	$	$	SYM
fsr-3324	294	30	25	25	NUM
fsr-3324	294	31	a	a	DET
fsr-3324	294	32	month	month	NOUN
fsr-3324	294	33	)	)	PUNCT
fsr-3324	294	34	,	,	PUNCT
fsr-3324	294	35	but	but	CCONJ
fsr-3324	294	36	this	this	PRON
fsr-3324	294	37	was	be	AUX
fsr-3324	294	38	significant	significant	ADJ
fsr-3324	294	39	only	only	ADV
fsr-3324	294	40	at	at	ADP
fsr-3324	294	41	the	the	DET
fsr-3324	294	42	10	10	NUM
fsr-3324	294	43	%	%	NOUN
fsr-3324	294	44	significance	significance	NOUN
fsr-3324	294	45	level	level	NOUN
fsr-3324	294	46	(	(	PUNCT
fsr-3324	294	47	p	p	X
fsr-3324	294	48	�	�	PROPN
fsr-3324	294	49	0.086	0.086	NUM
fsr-3324	294	50	)	)	PUNCT
fsr-3324	294	51	.	.	PUNCT
fsr-3324	295	1	contrary	contrary	ADJ
fsr-3324	295	2	to	to	ADP
fsr-3324	295	3	the	the	DET
fsr-3324	295	4	results	result	NOUN
fsr-3324	295	5	in	in	ADP
fsr-3324	295	6	table	table	NOUN
fsr-3324	295	7	2	2	NUM
fsr-3324	295	8	,	,	PUNCT
fsr-3324	295	9	none	none	NOUN
fsr-3324	295	10	of	of	ADP
fsr-3324	295	11	the	the	DET
fsr-3324	295	12	education	education	NOUN
fsr-3324	295	13	variables	variable	NOUN
fsr-3324	295	14	were	be	AUX
fsr-3324	295	15	significant	significant	ADJ
fsr-3324	295	16	at	at	ADP
fsr-3324	295	17	even	even	ADV
fsr-3324	295	18	the	the	DET
fsr-3324	295	19	10	10	NUM
fsr-3324	295	20	%	%	NOUN
fsr-3324	295	21	level	level	NOUN
fsr-3324	295	22	.	.	PUNCT
fsr-3324	296	1	the	the	DET
fsr-3324	296	2	age	age	NOUN
fsr-3324	296	3	variables	variable	NOUN
fsr-3324	296	4	were	be	AUX
fsr-3324	296	5	also	also	ADV
fsr-3324	296	6	insignificant	insignificant	ADJ
fsr-3324	296	7	in	in	ADP
fsr-3324	296	8	table	table	NOUN
fsr-3324	296	9	4	4	NUM
fsr-3324	296	10	,	,	PUNCT
fsr-3324	296	11	though	though	SCONJ
fsr-3324	296	12	they	they	PRON
fsr-3324	296	13	were	be	AUX
fsr-3324	296	14	table	table	NOUN
fsr-3324	296	15	4	4	NUM
fsr-3324	296	16	longer	long	ADJ
fsr-3324	296	17	term	term	NOUN
fsr-3324	296	18	savings	saving	NOUN
fsr-3324	296	19	is	be	AUX
fsr-3324	296	20	the	the	DET
fsr-3324	296	21	dependent	dependent	ADJ
fsr-3324	296	22	variable	variable	ADJ
fsr-3324	296	23	–	–	PUNCT
fsr-3324	296	24	payment	payment	NOUN
fsr-3324	296	25	made	make	VERB
fsr-3324	296	26	monthly	monthly	ADJ
fsr-3324	296	27	analysis	analysis	NOUN
fsr-3324	296	28	of	of	ADP
fsr-3324	296	29	variance	variance	NOUN
fsr-3324	296	30	source	source	NOUN
fsr-3324	296	31	df	df	PROPN
fsr-3324	296	32	sum	sum	NOUN
fsr-3324	296	33	of	of	ADP
fsr-3324	296	34	squares	square	NOUN
fsr-3324	296	35	mean	mean	VERB
fsr-3324	296	36	square	square	ADJ
fsr-3324	296	37	f	f	PROPN
fsr-3324	296	38	value	value	NOUN
fsr-3324	296	39	pr	pr	PROPN
fsr-3324	296	40	�	�	PROPN
fsr-3324	296	41	f	f	PROPN
fsr-3324	296	42	model	model	NOUN
fsr-3324	296	43	24	24	NUM
fsr-3324	296	44	9.88387	9.88387	NUM
fsr-3324	296	45	0.41183	0.41183	NUM
fsr-3324	296	46	3.06	3.06	NUM
fsr-3324	296	47	�	�	NOUN
fsr-3324	296	48	.0001	.0001	NOUN
fsr-3324	296	49	error	error	NOUN
fsr-3324	296	50	964	964	NUM
fsr-3324	296	51	129.57707	129.57707	NUM
fsr-3324	296	52	0.13442	0.13442	NUM
fsr-3324	296	53	corrected	correct	VERB
fsr-3324	296	54	total	total	ADJ
fsr-3324	296	55	988	988	NUM
fsr-3324	296	56	139.46094	139.46094	NUM
fsr-3324	296	57	root	root	NOUN
fsr-3324	296	58	mse	mse	NOUN
fsr-3324	296	59	0.36663	0.36663	NUM
fsr-3324	296	60	r2	r2	PROPN
fsr-3324	296	61	0.0709	0.0709	NUM
fsr-3324	296	62	dependent	dependent	ADJ
fsr-3324	296	63	mean	mean	VERB
fsr-3324	296	64	0.40857	0.40857	NUM
fsr-3324	296	65	adj	adj	X
fsr-3324	296	66	.	.	PUNCT
fsr-3324	296	67	r2	r2	PROPN
fsr-3324	296	68	0.0477	0.0477	NUM
fsr-3324	297	1	coefficient	coefficient	PROPN
fsr-3324	297	2	variable	variable	ADJ
fsr-3324	297	3	89.73351	89.73351	NUM
fsr-3324	297	4	parameter	parameter	NOUN
fsr-3324	297	5	estimates	estimate	VERB
fsr-3324	297	6	variable	variable	ADJ
fsr-3324	297	7	df	df	PROPN
fsr-3324	297	8	parameter	parameter	NOUN
fsr-3324	297	9	estimate	estimate	NOUN
fsr-3324	297	10	standard	standard	ADJ
fsr-3324	297	11	error	error	NOUN
fsr-3324	297	12	t	t	NOUN
fsr-3324	297	13	value	value	NOUN
fsr-3324	297	14	pr	pr	PROPN
fsr-3324	297	15	�	�	PROPN
fsr-3324	297	16	�	�	PROPN
fsr-3324	297	17	t	t	PROPN
fsr-3324	297	18	�	�	PROPN
fsr-3324	297	19	intercept	intercept	VERB
fsr-3324	297	20	1	1	NUM
fsr-3324	297	21	0.00882	0.00882	NUM
fsr-3324	297	22	0.16955	0.16955	NUM
fsr-3324	297	23	0.05	0.05	NUM
fsr-3324	297	24	0.9585	0.9585	NUM
fsr-3324	297	25	lnincome	lnincome	NOUN
fsr-3324	297	26	1	1	NUM
fsr-3324	297	27	0.01995	0.01995	NUM
fsr-3324	297	28	0.00932	0.00932	NUM
fsr-3324	297	29	2.14	2.14	NUM
fsr-3324	297	30	0.0325	0.0325	NUM
fsr-3324	297	31	level600	level600	PROPN
fsr-3324	297	32	1	1	NUM
fsr-3324	297	33	0.09672	0.09672	NUM
fsr-3324	297	34	0.03315	0.03315	NUM
fsr-3324	297	35	2.92	2.92	NUM
fsr-3324	297	36	0.0036	0.0036	NUM
fsr-3324	297	37	level1500	level1500	PROPN
fsr-3324	297	38	1	1	NUM
fsr-3324	297	39	0.06139	0.06139	NUM
fsr-3324	297	40	0.03567	0.03567	NUM
fsr-3324	297	41	1.72	1.72	NUM
fsr-3324	297	42	0.0856	0.0856	NUM
fsr-3324	297	43	level3000	level3000	PROPN
fsr-3324	297	44	1	1	NUM
fsr-3324	297	45	0.08242	0.08242	NUM
fsr-3324	297	46	0.03433	0.03433	NUM
fsr-3324	297	47	2.40	2.40	NUM
fsr-3324	297	48	0.0165	0.0165	NUM
fsr-3324	297	49	spend1	spend1	NOUN
fsr-3324	297	50	1	1	NUM
fsr-3324	297	51	�	�	PROPN
fsr-3324	297	52	0.08324	0.08324	NUM
fsr-3324	297	53	0.02490	0.02490	NUM
fsr-3324	297	54	�	�	SYM
fsr-3324	297	55	3.34	3.34	NUM
fsr-3324	297	56	0.0009	0.0009	NUM
fsr-3324	297	57	monthlypmt	monthlypmt	NOUN
fsr-3324	297	58	1	1	NUM
fsr-3324	297	59	0.06055	0.06055	NUM
fsr-3324	297	60	0.02377	0.02377	NUM
fsr-3324	297	61	2.55	2.55	NUM
fsr-3324	297	62	0.0110	0.0110	NUM
fsr-3324	297	63	full	full	ADJ
fsr-3324	297	64	model	model	NOUN
fsr-3324	297	65	was	be	AUX
fsr-3324	297	66	run	run	VERB
fsr-3324	297	67	,	,	PUNCT
fsr-3324	297	68	but	but	CCONJ
fsr-3324	297	69	only	only	ADV
fsr-3324	297	70	(	(	PUNCT
fsr-3324	297	71	marginally	marginally	ADV
fsr-3324	297	72	)	)	PUNCT
fsr-3324	297	73	significant	significant	ADJ
fsr-3324	297	74	variables	variable	NOUN
fsr-3324	297	75	are	be	AUX
fsr-3324	297	76	shown	show	VERB
fsr-3324	297	77	for	for	ADP
fsr-3324	297	78	parsimony	parsimony	NOUN
fsr-3324	297	79	.	.	PUNCT
fsr-3324	298	1	304	304	NUM
fsr-3324	298	2	v.	v.	ADP
fsr-3324	298	3	chambers	chamber	NOUN
fsr-3324	298	4	et	et	PROPN
fsr-3324	298	5	al	al	PROPN
fsr-3324	298	6	.	.	PUNCT
fsr-3324	298	7	/	/	SYM
fsr-3324	298	8	financial	financial	ADJ
fsr-3324	298	9	services	service	NOUN
fsr-3324	298	10	review	review	VERB
fsr-3324	298	11	26	26	NUM
fsr-3324	298	12	(	(	PUNCT
fsr-3324	298	13	2017	2017	NUM
fsr-3324	298	14	)	)	PUNCT
fsr-3324	299	1	291–313	291–313	NUM
fsr-3324	299	2	significant	significant	ADJ
fsr-3324	299	3	in	in	ADP
fsr-3324	299	4	table	table	NOUN
fsr-3324	299	5	2	2	NUM
fsr-3324	299	6	.	.	PUNCT
fsr-3324	299	7	again	again	ADV
fsr-3324	299	8	,	,	PUNCT
fsr-3324	299	9	the	the	DET
fsr-3324	299	10	difference	difference	NOUN
fsr-3324	299	11	between	between	ADP
fsr-3324	299	12	the	the	DET
fsr-3324	299	13	independent	independent	ADJ
fsr-3324	299	14	variables	variable	NOUN
fsr-3324	299	15	in	in	ADP
fsr-3324	299	16	tables	table	NOUN
fsr-3324	299	17	2	2	NUM
fsr-3324	299	18	and	and	CCONJ
fsr-3324	299	19	4	4	NUM
fsr-3324	299	20	were	be	AUX
fsr-3324	299	21	that	that	SCONJ
fsr-3324	299	22	the	the	DET
fsr-3324	299	23	payment	payment	NOUN
fsr-3324	299	24	amounts	amount	VERB
fsr-3324	299	25	in	in	ADP
fsr-3324	299	26	table	table	NOUN
fsr-3324	299	27	4	4	NUM
fsr-3324	299	28	were	be	AUX
fsr-3324	299	29	1/12th	1/12th	NUM
fsr-3324	299	30	the	the	DET
fsr-3324	299	31	size	size	NOUN
fsr-3324	299	32	of	of	ADP
fsr-3324	299	33	the	the	DET
fsr-3324	299	34	payment	payment	NOUN
fsr-3324	299	35	amounts	amount	NOUN
fsr-3324	299	36	in	in	ADP
fsr-3324	299	37	table	table	NOUN
fsr-3324	299	38	2	2	NUM
fsr-3324	299	39	;	;	PUNCT
fsr-3324	299	40	the	the	DET
fsr-3324	299	41	total	total	ADJ
fsr-3324	299	42	payment	payment	NOUN
fsr-3324	299	43	amount	amount	NOUN
fsr-3324	299	44	was	be	AUX
fsr-3324	299	45	the	the	DET
fsr-3324	299	46	same	same	ADJ
fsr-3324	299	47	,	,	PUNCT
fsr-3324	299	48	but	but	CCONJ
fsr-3324	299	49	spread	spread	VERB
fsr-3324	299	50	over	over	ADP
fsr-3324	299	51	the	the	DET
fsr-3324	299	52	12	12	NUM
fsr-3324	299	53	months	month	NOUN
fsr-3324	299	54	.	.	PUNCT
fsr-3324	300	1	the	the	DET
fsr-3324	300	2	variable	variable	NOUN
fsr-3324	300	3	representing	represent	VERB
fsr-3324	300	4	the	the	DET
fsr-3324	300	5	respondents	respondent	NOUN
fsr-3324	300	6	’	’	PART
fsr-3324	300	7	default	default	NOUN
fsr-3324	300	8	behavior	behavior	NOUN
fsr-3324	300	9	for	for	ADP
fsr-3324	300	10	spending	spending	NOUN
fsr-3324	300	11	or	or	CCONJ
fsr-3324	300	12	saving	save	VERB
fsr-3324	300	13	additional	additional	ADJ
fsr-3324	300	14	money	money	NOUN
fsr-3324	300	15	continues	continue	VERB
fsr-3324	300	16	to	to	PART
fsr-3324	300	17	be	be	AUX
fsr-3324	300	18	highly	highly	ADV
fsr-3324	300	19	significant	significant	ADJ
fsr-3324	300	20	.	.	PUNCT
fsr-3324	301	1	the	the	DET
fsr-3324	301	2	results	result	NOUN
fsr-3324	301	3	indicate	indicate	VERB
fsr-3324	301	4	that	that	SCONJ
fsr-3324	301	5	if	if	SCONJ
fsr-3324	301	6	a	a	DET
fsr-3324	301	7	respondent	respondent	NOUN
fsr-3324	301	8	said	say	VERB
fsr-3324	301	9	that	that	SCONJ
fsr-3324	301	10	she	she	PRON
fsr-3324	301	11	generally	generally	ADV
fsr-3324	301	12	spends	spend	VERB
fsr-3324	301	13	additional	additional	ADJ
fsr-3324	301	14	money	money	NOUN
fsr-3324	301	15	,	,	PUNCT
fsr-3324	301	16	she	she	PRON
fsr-3324	301	17	did	do	VERB
fsr-3324	301	18	.	.	PUNCT
fsr-3324	302	1	when	when	SCONJ
fsr-3324	302	2	the	the	DET
fsr-3324	302	3	respondent	respondent	NOUN
fsr-3324	302	4	indicated	indicate	VERB
fsr-3324	302	5	that	that	SCONJ
fsr-3324	302	6	she	she	PRON
fsr-3324	302	7	was	be	AUX
fsr-3324	302	8	a	a	DET
fsr-3324	302	9	spender	spender	NOUN
fsr-3324	302	10	,	,	PUNCT
fsr-3324	302	11	on	on	ADP
fsr-3324	302	12	average	average	ADJ
fsr-3324	302	13	she	she	PRON
fsr-3324	302	14	saved	save	VERB
fsr-3324	302	15	8.3	8.3	NUM
fsr-3324	302	16	%	%	NOUN
fsr-3324	302	17	less	less	ADJ
fsr-3324	302	18	(	(	PUNCT
fsr-3324	302	19	p	p	PROPN
fsr-3324	302	20	�	�	PROPN
fsr-3324	302	21	0.001	0.001	NUM
fsr-3324	302	22	)	)	PUNCT
fsr-3324	302	23	than	than	ADP
fsr-3324	302	24	one	one	NUM
fsr-3324	302	25	who	who	PRON
fsr-3324	302	26	indicated	indicate	VERB
fsr-3324	302	27	that	that	SCONJ
fsr-3324	302	28	she	she	PRON
fsr-3324	302	29	was	be	AUX
fsr-3324	302	30	a	a	DET
fsr-3324	302	31	saver	saver	NOUN
fsr-3324	302	32	.	.	PUNCT
fsr-3324	303	1	a	a	DET
fsr-3324	303	2	new	new	ADJ
fsr-3324	303	3	finding	finding	NOUN
fsr-3324	303	4	is	be	AUX
fsr-3324	303	5	exposed	expose	VERB
fsr-3324	303	6	in	in	ADP
fsr-3324	303	7	tables	table	NOUN
fsr-3324	303	8	4	4	NUM
fsr-3324	303	9	and	and	CCONJ
fsr-3324	303	10	5	5	NUM
fsr-3324	303	11	.	.	PUNCT
fsr-3324	304	1	the	the	DET
fsr-3324	304	2	order	order	NOUN
fsr-3324	304	3	of	of	ADP
fsr-3324	304	4	presentation	presentation	NOUN
fsr-3324	304	5	now	now	ADV
fsr-3324	304	6	matters	matter	VERB
fsr-3324	304	7	.	.	PUNCT
fsr-3324	305	1	on	on	ADP
fsr-3324	305	2	the	the	DET
fsr-3324	305	3	survey	survey	NOUN
fsr-3324	305	4	,	,	PUNCT
fsr-3324	305	5	half	half	NOUN
fsr-3324	305	6	of	of	ADP
fsr-3324	305	7	the	the	DET
fsr-3324	305	8	forms	form	NOUN
fsr-3324	305	9	had	have	VERB
fsr-3324	305	10	the	the	DET
fsr-3324	305	11	question	question	NOUN
fsr-3324	305	12	for	for	ADP
fsr-3324	305	13	lump	lump	NOUN
fsr-3324	305	14	sum	sum	NOUN
fsr-3324	305	15	payment	payment	NOUN
fsr-3324	305	16	first	first	ADV
fsr-3324	305	17	,	,	PUNCT
fsr-3324	305	18	and	and	CCONJ
fsr-3324	305	19	the	the	DET
fsr-3324	305	20	other	other	ADJ
fsr-3324	305	21	half	half	NOUN
fsr-3324	305	22	had	have	VERB
fsr-3324	305	23	the	the	DET
fsr-3324	305	24	monthly	monthly	ADJ
fsr-3324	305	25	payment	payment	NOUN
fsr-3324	305	26	first	first	ADV
fsr-3324	305	27	.	.	PUNCT
fsr-3324	306	1	when	when	SCONJ
fsr-3324	306	2	the	the	DET
fsr-3324	306	3	lump	lump	NOUN
fsr-3324	306	4	sum	sum	NOUN
fsr-3324	306	5	values	value	NOUN
fsr-3324	306	6	were	be	AUX
fsr-3324	306	7	used	use	VERB
fsr-3324	306	8	(	(	PUNCT
fsr-3324	306	9	tables	table	NOUN
fsr-3324	306	10	2	2	NUM
fsr-3324	306	11	and	and	CCONJ
fsr-3324	306	12	3	3	NUM
fsr-3324	306	13	)	)	PUNCT
fsr-3324	306	14	,	,	PUNCT
fsr-3324	306	15	this	this	DET
fsr-3324	306	16	variable	variable	NOUN
fsr-3324	306	17	was	be	AUX
fsr-3324	306	18	insignificant	insignificant	ADJ
fsr-3324	306	19	.	.	PUNCT
fsr-3324	307	1	when	when	SCONJ
fsr-3324	307	2	the	the	DET
fsr-3324	307	3	smaller	small	ADJ
fsr-3324	307	4	,	,	PUNCT
fsr-3324	307	5	but	but	CCONJ
fsr-3324	307	6	recurring	recur	VERB
fsr-3324	307	7	,	,	PUNCT
fsr-3324	307	8	values	value	NOUN
fsr-3324	307	9	are	be	AUX
fsr-3324	307	10	used	use	VERB
fsr-3324	307	11	in	in	ADP
fsr-3324	307	12	tables	table	NOUN
fsr-3324	307	13	4	4	NUM
fsr-3324	307	14	and	and	CCONJ
fsr-3324	307	15	5	5	NUM
fsr-3324	307	16	,	,	PUNCT
fsr-3324	307	17	those	those	PRON
fsr-3324	307	18	receiving	receive	VERB
fsr-3324	307	19	the	the	DET
fsr-3324	307	20	monthly	monthly	ADJ
fsr-3324	307	21	payment	payment	NOUN
fsr-3324	307	22	saved	save	VERB
fsr-3324	307	23	(	(	PUNCT
fsr-3324	307	24	both	both	CCONJ
fsr-3324	307	25	economically	economically	ADV
fsr-3324	307	26	and	and	CCONJ
fsr-3324	307	27	statistically	statistically	ADV
fsr-3324	307	28	)	)	PUNCT
fsr-3324	307	29	more	more	ADJ
fsr-3324	307	30	.	.	PUNCT
fsr-3324	308	1	for	for	ADP
fsr-3324	308	2	longer	long	ADJ
fsr-3324	308	3	term	term	NOUN
fsr-3324	308	4	savings	saving	NOUN
fsr-3324	308	5	with	with	ADP
fsr-3324	308	6	monthly	monthly	ADJ
fsr-3324	308	7	payments	payment	NOUN
fsr-3324	308	8	(	(	PUNCT
fsr-3324	308	9	table	table	NOUN
fsr-3324	308	10	4	4	NUM
fsr-3324	308	11	)	)	PUNCT
fsr-3324	308	12	,	,	PUNCT
fsr-3324	308	13	when	when	SCONJ
fsr-3324	308	14	the	the	DET
fsr-3324	308	15	monthly	monthly	ADJ
fsr-3324	308	16	question	question	NOUN
fsr-3324	308	17	was	be	AUX
fsr-3324	308	18	provided	provide	VERB
fsr-3324	308	19	first	first	ADV
fsr-3324	308	20	,	,	PUNCT
fsr-3324	308	21	respondents	respondent	NOUN
fsr-3324	308	22	saved	save	VERB
fsr-3324	308	23	6.1	6.1	NUM
fsr-3324	308	24	%	%	NOUN
fsr-3324	308	25	(	(	PUNCT
fsr-3324	308	26	p	p	X
fsr-3324	308	27	�	�	PROPN
fsr-3324	308	28	0.01	0.01	NUM
fsr-3324	308	29	)	)	PUNCT
fsr-3324	308	30	more	more	ADJ
fsr-3324	308	31	than	than	ADP
fsr-3324	308	32	when	when	SCONJ
fsr-3324	308	33	the	the	DET
fsr-3324	308	34	annual	annual	ADJ
fsr-3324	308	35	question	question	NOUN
fsr-3324	308	36	was	be	AUX
fsr-3324	308	37	presented	present	VERB
fsr-3324	308	38	first	first	ADV
fsr-3324	308	39	.	.	PUNCT
fsr-3324	309	1	in	in	ADP
fsr-3324	309	2	table	table	NOUN
fsr-3324	309	3	5	5	NUM
fsr-3324	309	4	,	,	PUNCT
fsr-3324	309	5	representing	represent	VERB
fsr-3324	309	6	total	total	ADJ
fsr-3324	309	7	savings	saving	NOUN
fsr-3324	309	8	,	,	PUNCT
fsr-3324	309	9	13.4	13.4	NUM
fsr-3324	309	10	%	%	NOUN
fsr-3324	309	11	more	more	ADJ
fsr-3324	309	12	was	be	AUX
fsr-3324	309	13	saved	save	VERB
fsr-3324	309	14	(	(	PUNCT
fsr-3324	309	15	p	p	X
fsr-3324	309	16	�	�	PROPN
fsr-3324	309	17	0.001	0.001	NUM
fsr-3324	309	18	)	)	PUNCT
fsr-3324	309	19	when	when	SCONJ
fsr-3324	309	20	the	the	DET
fsr-3324	309	21	monthly	monthly	ADJ
fsr-3324	309	22	amount	amount	NOUN
fsr-3324	309	23	was	be	AUX
fsr-3324	309	24	presented	present	VERB
fsr-3324	309	25	first	first	ADV
fsr-3324	309	26	than	than	ADP
fsr-3324	309	27	when	when	SCONJ
fsr-3324	309	28	the	the	DET
fsr-3324	309	29	lump	lump	NOUN
fsr-3324	309	30	sum	sum	NOUN
fsr-3324	309	31	amount	amount	NOUN
fsr-3324	309	32	was	be	AUX
fsr-3324	309	33	presented	present	VERB
fsr-3324	309	34	first	first	ADV
fsr-3324	309	35	.	.	PUNCT
fsr-3324	310	1	for	for	ADP
fsr-3324	310	2	the	the	DET
fsr-3324	310	3	dependent	dependent	ADJ
fsr-3324	310	4	variable	variable	NOUN
fsr-3324	310	5	longer	long	ADJ
fsr-3324	310	6	term	term	NOUN
fsr-3324	310	7	savings	saving	NOUN
fsr-3324	310	8	with	with	ADP
fsr-3324	310	9	monthly	monthly	ADJ
fsr-3324	310	10	payments	payment	NOUN
fsr-3324	310	11	,	,	PUNCT
fsr-3324	310	12	the	the	DET
fsr-3324	310	13	percentage	percentage	NOUN
fsr-3324	310	14	saved	save	VERB
fsr-3324	310	15	from	from	ADP
fsr-3324	310	16	game	game	NOUN
fsr-3324	310	17	show	show	NOUN
fsr-3324	310	18	winnings	winning	NOUN
fsr-3324	310	19	were	be	AUX
fsr-3324	310	20	significantly	significantly	ADV
fsr-3324	310	21	lower	low	ADJ
fsr-3324	310	22	than	than	ADP
fsr-3324	310	23	those	those	PRON
fsr-3324	310	24	from	from	ADP
fsr-3324	310	25	a	a	DET
fsr-3324	310	26	lottery	lottery	NOUN
fsr-3324	310	27	at	at	ADP
fsr-3324	310	28	the	the	DET
fsr-3324	310	29	p	p	X
fsr-3324	310	30	�	�	PROPN
fsr-3324	310	31	0.0355	0.0355	NUM
fsr-3324	310	32	significance	significance	NOUN
fsr-3324	310	33	level	level	NOUN
fsr-3324	310	34	.	.	PUNCT
fsr-3324	311	1	the	the	DET
fsr-3324	311	2	percentage	percentage	NOUN
fsr-3324	311	3	saved	save	VERB
fsr-3324	311	4	from	from	ADP
fsr-3324	311	5	game	game	NOUN
fsr-3324	311	6	show	show	NOUN
fsr-3324	311	7	winnings	winning	NOUN
fsr-3324	311	8	were	be	AUX
fsr-3324	311	9	significantly	significantly	ADV
fsr-3324	311	10	lower	low	ADJ
fsr-3324	311	11	than	than	ADP
fsr-3324	311	12	from	from	ADP
fsr-3324	311	13	a	a	DET
fsr-3324	311	14	tax	tax	NOUN
fsr-3324	311	15	rebate	rebate	NOUN
fsr-3324	311	16	at	at	ADP
fsr-3324	311	17	the	the	DET
fsr-3324	311	18	p	p	PROPN
fsr-3324	311	19	�	�	PROPN
fsr-3324	311	20	0.0046	0.0046	NUM
fsr-3324	311	21	significance	significance	NOUN
fsr-3324	311	22	level	level	NOUN
fsr-3324	311	23	,	,	PUNCT
fsr-3324	311	24	and	and	CCONJ
fsr-3324	311	25	inheritance	inheritance	NOUN
fsr-3324	311	26	savings	saving	NOUN
fsr-3324	311	27	were	be	AUX
fsr-3324	311	28	significantly	significantly	ADV
fsr-3324	311	29	lower	low	ADJ
fsr-3324	311	30	than	than	ADP
fsr-3324	311	31	a	a	DET
fsr-3324	311	32	tax	tax	NOUN
fsr-3324	311	33	rebate	rebate	NOUN
fsr-3324	311	34	at	at	ADP
fsr-3324	311	35	the	the	DET
fsr-3324	311	36	p	p	PROPN
fsr-3324	311	37	�	�	PROPN
fsr-3324	311	38	0.0664	0.0664	NUM
fsr-3324	311	39	significance	significance	NOUN
fsr-3324	311	40	level	level	NOUN
fsr-3324	311	41	.	.	PUNCT
fsr-3324	312	1	the	the	DET
fsr-3324	312	2	percentage	percentage	NOUN
fsr-3324	312	3	saved	save	VERB
fsr-3324	312	4	from	from	ADP
fsr-3324	312	5	game	game	NOUN
fsr-3324	312	6	show	show	NOUN
fsr-3324	312	7	winnings	winning	NOUN
fsr-3324	312	8	were	be	AUX
fsr-3324	312	9	lower	low	ADJ
fsr-3324	312	10	than	than	ADP
fsr-3324	312	11	that	that	PRON
fsr-3324	312	12	of	of	ADP
fsr-3324	312	13	a	a	DET
fsr-3324	312	14	bonus	bonus	NOUN
fsr-3324	312	15	,	,	PUNCT
fsr-3324	312	16	but	but	CCONJ
fsr-3324	312	17	table	table	NOUN
fsr-3324	312	18	5	5	NUM
fsr-3324	312	19	total	total	ADJ
fsr-3324	312	20	savings	saving	NOUN
fsr-3324	312	21	is	be	AUX
fsr-3324	312	22	the	the	DET
fsr-3324	312	23	dependent	dependent	ADJ
fsr-3324	312	24	variable	variable	ADJ
fsr-3324	312	25	–	–	PUNCT
fsr-3324	312	26	payment	payment	NOUN
fsr-3324	312	27	made	make	VERB
fsr-3324	312	28	monthly	monthly	ADJ
fsr-3324	312	29	analysis	analysis	NOUN
fsr-3324	312	30	of	of	ADP
fsr-3324	312	31	variance	variance	NOUN
fsr-3324	312	32	source	source	NOUN
fsr-3324	312	33	df	df	PROPN
fsr-3324	312	34	sum	sum	NOUN
fsr-3324	312	35	of	of	ADP
fsr-3324	312	36	squares	square	NOUN
fsr-3324	312	37	mean	mean	VERB
fsr-3324	312	38	square	square	ADJ
fsr-3324	312	39	f	f	PROPN
fsr-3324	312	40	value	value	NOUN
fsr-3324	312	41	pr	pr	PROPN
fsr-3324	312	42	�	�	PROPN
fsr-3324	312	43	f	f	PROPN
fsr-3324	312	44	model	model	NOUN
fsr-3324	312	45	24	24	NUM
fsr-3324	312	46	15.56019	15.56019	NUM
fsr-3324	312	47	0.64834	0.64834	NUM
fsr-3324	312	48	5.24	5.24	NUM
fsr-3324	312	49	�	�	NOUN
fsr-3324	312	50	.0001	.0001	NOUN
fsr-3324	312	51	error	error	NOUN
fsr-3324	312	52	964	964	NUM
fsr-3324	312	53	119.30184	119.30184	NUM
fsr-3324	312	54	0.12376	0.12376	NUM
fsr-3324	312	55	corrected	correct	VERB
fsr-3324	312	56	total	total	ADJ
fsr-3324	313	1	988	988	NUM
fsr-3324	313	2	134.86203	134.86203	NUM
fsr-3324	313	3	root	root	NOUN
fsr-3324	313	4	mse	mse	NOUN
fsr-3324	313	5	0.35179	0.35179	NUM
fsr-3324	313	6	r2	r2	NOUN
fsr-3324	313	7	0.1154	0.1154	NUM
fsr-3324	313	8	dependent	dependent	ADJ
fsr-3324	313	9	mean	mean	NOUN
fsr-3324	313	10	0.55978	0.55978	NUM
fsr-3324	313	11	adj	adj	NOUN
fsr-3324	313	12	.	.	PUNCT
fsr-3324	314	1	r2	r2	PROPN
fsr-3324	314	2	0.0934	0.0934	NUM
fsr-3324	314	3	coefficient	coefficient	NOUN
fsr-3324	314	4	variance	variance	NOUN
fsr-3324	314	5	62.84473	62.84473	NUM
fsr-3324	314	6	parameter	parameter	NOUN
fsr-3324	314	7	estimates	estimate	VERB
fsr-3324	314	8	variable	variable	ADJ
fsr-3324	314	9	df	df	PROPN
fsr-3324	314	10	parameter	parameter	NOUN
fsr-3324	314	11	estimate	estimate	NOUN
fsr-3324	314	12	standard	standard	ADJ
fsr-3324	314	13	error	error	NOUN
fsr-3324	314	14	t	t	NOUN
fsr-3324	314	15	value	value	NOUN
fsr-3324	314	16	pr	pr	PROPN
fsr-3324	314	17	�	�	PROPN
fsr-3324	314	18	�	�	PROPN
fsr-3324	314	19	t	t	PROPN
fsr-3324	314	20	�	�	PROPN
fsr-3324	314	21	intercept	intercept	VERB
fsr-3324	314	22	1	1	NUM
fsr-3324	314	23	0.00213	0.00213	NUM
fsr-3324	314	24	0.16269	0.16269	NUM
fsr-3324	314	25	0.01	0.01	NUM
fsr-3324	314	26	0.9895	0.9895	NUM
fsr-3324	314	27	lnincome	lnincome	NOUN
fsr-3324	314	28	1	1	NUM
fsr-3324	314	29	0.02589	0.02589	NUM
fsr-3324	314	30	0.00894	0.00894	NUM
fsr-3324	314	31	2.90	2.90	NUM
fsr-3324	314	32	0.0039	0.0039	NUM
fsr-3324	314	33	zeroincome	zeroincome	NOUN
fsr-3324	314	34	1	1	NUM
fsr-3324	314	35	0.17478	0.17478	NUM
fsr-3324	314	36	0.10470	0.10470	NUM
fsr-3324	314	37	1.67	1.67	NUM
fsr-3324	314	38	0.0954	0.0954	NUM
fsr-3324	314	39	level600	level600	PROPN
fsr-3324	314	40	1	1	NUM
fsr-3324	314	41	0.10244	0.10244	NUM
fsr-3324	314	42	0.03181	0.03181	NUM
fsr-3324	314	43	3.22	3.22	NUM
fsr-3324	314	44	0.0013	0.0013	NUM
fsr-3324	314	45	level1500	level1500	PROPN
fsr-3324	314	46	1	1	NUM
fsr-3324	314	47	0.07867	0.07867	NUM
fsr-3324	314	48	0.03423	0.03423	NUM
fsr-3324	314	49	2.30	2.30	NUM
fsr-3324	314	50	0.0218	0.0218	NUM
fsr-3324	314	51	level3000	level3000	PROPN
fsr-3324	314	52	1	1	NUM
fsr-3324	314	53	0.08060	0.08060	NUM
fsr-3324	314	54	0.03294	0.03294	NUM
fsr-3324	314	55	2.45	2.45	NUM
fsr-3324	314	56	0.0146	0.0146	NUM
fsr-3324	314	57	spend1	spend1	NOUN
fsr-3324	314	58	1	1	NUM
fsr-3324	314	59	�	�	PROPN
fsr-3324	314	60	0.09852	0.09852	NUM
fsr-3324	314	61	0.02389	0.02389	NUM
fsr-3324	314	62	�	�	PROPN
fsr-3324	314	63	4.12	4.12	NUM
fsr-3324	314	64	�	�	PROPN
fsr-3324	314	65	.0001	.0001	X
fsr-3324	314	66	monthlypmt	monthlypmt	NOUN
fsr-3324	314	67	1	1	NUM
fsr-3324	314	68	0.13449	0.13449	NUM
fsr-3324	314	69	0.02281	0.02281	NUM
fsr-3324	314	70	5.90	5.90	NUM
fsr-3324	314	71	�	�	NOUN
fsr-3324	314	72	.0001	.0001	VERB
fsr-3324	314	73	full	full	ADJ
fsr-3324	314	74	model	model	NOUN
fsr-3324	314	75	was	be	AUX
fsr-3324	314	76	run	run	VERB
fsr-3324	314	77	,	,	PUNCT
fsr-3324	314	78	but	but	CCONJ
fsr-3324	314	79	only	only	ADV
fsr-3324	314	80	(	(	PUNCT
fsr-3324	314	81	marginally	marginally	ADV
fsr-3324	314	82	)	)	PUNCT
fsr-3324	314	83	significant	significant	ADJ
fsr-3324	314	84	variables	variable	NOUN
fsr-3324	314	85	are	be	AUX
fsr-3324	314	86	shown	show	VERB
fsr-3324	314	87	for	for	ADP
fsr-3324	314	88	parsimony	parsimony	NOUN
fsr-3324	314	89	.	.	PUNCT
fsr-3324	315	1	305v	305v	PROPN
fsr-3324	315	2	.	.	PUNCT
fsr-3324	316	1	chambers	chamber	NOUN
fsr-3324	316	2	et	et	PROPN
fsr-3324	316	3	al	al	PROPN
fsr-3324	316	4	.	.	PUNCT
fsr-3324	316	5	/	/	SYM
fsr-3324	316	6	financial	financial	ADJ
fsr-3324	316	7	services	service	NOUN
fsr-3324	316	8	review	review	VERB
fsr-3324	316	9	26	26	NUM
fsr-3324	316	10	(	(	PUNCT
fsr-3324	316	11	2017	2017	NUM
fsr-3324	316	12	)	)	PUNCT
fsr-3324	316	13	291–313	291–313	NUM
fsr-3324	316	14	only	only	ADV
fsr-3324	316	15	at	at	ADP
fsr-3324	316	16	the	the	DET
fsr-3324	316	17	p	p	PROPN
fsr-3324	316	18	�	�	PROPN
fsr-3324	316	19	0.0646	0.0646	NUM
fsr-3324	316	20	significance	significance	NOUN
fsr-3324	316	21	level	level	NOUN
fsr-3324	316	22	.	.	PUNCT
fsr-3324	317	1	the	the	DET
fsr-3324	317	2	results	result	NOUN
fsr-3324	317	3	displayed	display	VERB
fsr-3324	317	4	in	in	ADP
fsr-3324	317	5	table	table	NOUN
fsr-3324	317	6	5	5	NUM
fsr-3324	317	7	were	be	AUX
fsr-3324	317	8	similar	similar	ADJ
fsr-3324	317	9	to	to	ADP
fsr-3324	317	10	those	those	PRON
fsr-3324	317	11	above	above	ADV
fsr-3324	317	12	in	in	ADP
fsr-3324	317	13	many	many	ADJ
fsr-3324	317	14	respects	respect	NOUN
fsr-3324	317	15	.	.	PUNCT
fsr-3324	318	1	income	income	NOUN
fsr-3324	318	2	was	be	AUX
fsr-3324	318	3	still	still	ADV
fsr-3324	318	4	significant	significant	ADJ
fsr-3324	318	5	(	(	PUNCT
fsr-3324	318	6	p	p	X
fsr-3324	318	7	�	�	PROPN
fsr-3324	318	8	0.004	0.004	NUM
fsr-3324	318	9	)	)	PUNCT
fsr-3324	318	10	and	and	CCONJ
fsr-3324	318	11	positive	positive	ADJ
fsr-3324	318	12	.	.	PUNCT
fsr-3324	319	1	the	the	DET
fsr-3324	319	2	coefficient	coefficient	NOUN
fsr-3324	319	3	for	for	ADP
fsr-3324	319	4	those	those	PRON
fsr-3324	319	5	reporting	report	VERB
fsr-3324	319	6	a	a	DET
fsr-3324	319	7	zero	zero	NUM
fsr-3324	319	8	income	income	NOUN
fsr-3324	319	9	was	be	AUX
fsr-3324	319	10	positive	positive	ADJ
fsr-3324	319	11	as	as	ADP
fsr-3324	319	12	in	in	ADP
fsr-3324	319	13	all	all	PRON
fsr-3324	319	14	of	of	ADP
fsr-3324	319	15	the	the	DET
fsr-3324	319	16	other	other	ADJ
fsr-3324	319	17	regressions	regression	NOUN
fsr-3324	319	18	,	,	PUNCT
fsr-3324	319	19	but	but	CCONJ
fsr-3324	319	20	significant	significant	ADJ
fsr-3324	319	21	only	only	ADV
fsr-3324	319	22	at	at	ADP
fsr-3324	319	23	the	the	DET
fsr-3324	319	24	10	10	NUM
fsr-3324	319	25	%	%	NOUN
fsr-3324	319	26	level	level	NOUN
fsr-3324	319	27	(	(	PUNCT
fsr-3324	319	28	p	p	PROPN
fsr-3324	319	29	�	�	PROPN
fsr-3324	319	30	0.095	0.095	NUM
fsr-3324	319	31	)	)	PUNCT
fsr-3324	319	32	.	.	PUNCT
fsr-3324	320	1	(	(	PUNCT
fsr-3324	320	2	it	it	PRON
fsr-3324	320	3	was	be	AUX
fsr-3324	320	4	insignificant	insignificant	ADJ
fsr-3324	320	5	in	in	ADP
fsr-3324	320	6	table	table	NOUN
fsr-3324	320	7	4	4	NUM
fsr-3324	320	8	,	,	PUNCT
fsr-3324	320	9	but	but	CCONJ
fsr-3324	320	10	significant	significant	ADJ
fsr-3324	320	11	at	at	ADP
fsr-3324	320	12	the	the	DET
fsr-3324	320	13	5	5	NUM
fsr-3324	320	14	%	%	NOUN
fsr-3324	320	15	level	level	NOUN
fsr-3324	320	16	in	in	ADP
fsr-3324	320	17	tables	table	NOUN
fsr-3324	320	18	2	2	NUM
fsr-3324	320	19	and	and	CCONJ
fsr-3324	320	20	3	3	NUM
fsr-3324	320	21	.	.	NUM
fsr-3324	320	22	)	)	PUNCT
fsr-3324	320	23	as	as	ADP
fsr-3324	320	24	in	in	ADP
fsr-3324	320	25	table	table	NOUN
fsr-3324	320	26	4	4	NUM
fsr-3324	320	27	but	but	CCONJ
fsr-3324	320	28	contrary	contrary	ADJ
fsr-3324	320	29	to	to	ADP
fsr-3324	320	30	tables	table	NOUN
fsr-3324	320	31	2	2	NUM
fsr-3324	320	32	and	and	CCONJ
fsr-3324	320	33	3	3	NUM
fsr-3324	320	34	,	,	PUNCT
fsr-3324	320	35	the	the	DET
fsr-3324	320	36	variable	variable	NOUN
fsr-3324	320	37	for	for	ADP
fsr-3324	320	38	importance	importance	NOUN
fsr-3324	320	39	(	(	PUNCT
fsr-3324	320	40	monthly	monthly	ADJ
fsr-3324	320	41	payment	payment	NOUN
fsr-3324	320	42	/	/	SYM
fsr-3324	320	43	income	income	NOUN
fsr-3324	320	44	)	)	PUNCT
fsr-3324	320	45	was	be	AUX
fsr-3324	320	46	insignificant	insignificant	ADJ
fsr-3324	320	47	at	at	ADP
fsr-3324	320	48	any	any	DET
fsr-3324	320	49	conventional	conventional	ADJ
fsr-3324	320	50	level	level	NOUN
fsr-3324	320	51	.	.	PUNCT
fsr-3324	321	1	compared	compare	VERB
fsr-3324	321	2	with	with	ADP
fsr-3324	321	3	the	the	DET
fsr-3324	321	4	$	$	SYM
fsr-3324	321	5	300	300	NUM
fsr-3324	321	6	payment	payment	NOUN
fsr-3324	321	7	(	(	PUNCT
fsr-3324	321	8	$	$	SYM
fsr-3324	321	9	25	25	NUM
fsr-3324	321	10	per	per	ADP
fsr-3324	321	11	month	month	NOUN
fsr-3324	321	12	)	)	PUNCT
fsr-3324	321	13	,	,	PUNCT
fsr-3324	321	14	as	as	SCONJ
fsr-3324	321	15	a	a	DET
fsr-3324	321	16	greater	great	ADJ
fsr-3324	321	17	monthly	monthly	ADJ
fsr-3324	321	18	payment	payment	NOUN
fsr-3324	321	19	was	be	AUX
fsr-3324	321	20	received	receive	VERB
fsr-3324	321	21	,	,	PUNCT
fsr-3324	321	22	a	a	DET
fsr-3324	321	23	greater	great	ADJ
fsr-3324	321	24	percentage	percentage	NOUN
fsr-3324	321	25	of	of	ADP
fsr-3324	321	26	the	the	DET
fsr-3324	321	27	payment	payment	NOUN
fsr-3324	321	28	was	be	AUX
fsr-3324	321	29	saved	save	VERB
fsr-3324	321	30	.	.	PUNCT
fsr-3324	322	1	those	those	PRON
fsr-3324	322	2	receiving	receive	VERB
fsr-3324	322	3	$	$	SYM
fsr-3324	322	4	600	600	NUM
fsr-3324	322	5	(	(	PUNCT
fsr-3324	322	6	$	$	SYM
fsr-3324	322	7	50	50	NUM
fsr-3324	322	8	per	per	ADP
fsr-3324	322	9	month	month	NOUN
fsr-3324	322	10	)	)	PUNCT
fsr-3324	322	11	saved	save	VERB
fsr-3324	322	12	10.2	10.2	NUM
fsr-3324	322	13	%	%	NOUN
fsr-3324	322	14	more	more	ADJ
fsr-3324	322	15	of	of	ADP
fsr-3324	322	16	the	the	DET
fsr-3324	322	17	payments	payment	NOUN
fsr-3324	322	18	than	than	ADP
fsr-3324	322	19	those	those	PRON
fsr-3324	322	20	who	who	PRON
fsr-3324	322	21	received	receive	VERB
fsr-3324	322	22	$	$	SYM
fsr-3324	322	23	300	300	NUM
fsr-3324	322	24	(	(	PUNCT
fsr-3324	322	25	$	$	SYM
fsr-3324	322	26	25	25	NUM
fsr-3324	322	27	per	per	ADP
fsr-3324	322	28	month	month	NOUN
fsr-3324	322	29	;	;	PUNCT
fsr-3324	322	30	p	p	PROPN
fsr-3324	322	31	�	�	PROPN
fsr-3324	322	32	0.001	0.001	NUM
fsr-3324	322	33	)	)	PUNCT
fsr-3324	322	34	.	.	PUNCT
fsr-3324	323	1	those	those	PRON
fsr-3324	323	2	receiving	receive	VERB
fsr-3324	323	3	$	$	SYM
fsr-3324	323	4	1,500	1,500	NUM
fsr-3324	323	5	(	(	PUNCT
fsr-3324	323	6	$	$	SYM
fsr-3324	323	7	125	125	NUM
fsr-3324	323	8	a	a	DET
fsr-3324	323	9	month	month	NOUN
fsr-3324	323	10	)	)	PUNCT
fsr-3324	323	11	saved	save	VERB
fsr-3324	323	12	7.9	7.9	NUM
fsr-3324	323	13	%	%	NOUN
fsr-3324	323	14	more	more	ADJ
fsr-3324	323	15	of	of	ADP
fsr-3324	323	16	the	the	DET
fsr-3324	323	17	payment	payment	NOUN
fsr-3324	323	18	than	than	ADP
fsr-3324	323	19	those	those	PRON
fsr-3324	323	20	receiving	receive	VERB
fsr-3324	323	21	$	$	SYM
fsr-3324	323	22	25	25	NUM
fsr-3324	323	23	a	a	DET
fsr-3324	323	24	month	month	NOUN
fsr-3324	323	25	,	,	PUNCT
fsr-3324	323	26	while	while	SCONJ
fsr-3324	323	27	those	those	PRON
fsr-3324	323	28	receiving	receive	VERB
fsr-3324	323	29	$	$	SYM
fsr-3324	323	30	3,000	3,000	NUM
fsr-3324	323	31	(	(	PUNCT
fsr-3324	323	32	$	$	SYM
fsr-3324	323	33	250	250	NUM
fsr-3324	323	34	per	per	ADP
fsr-3324	323	35	month	month	NOUN
fsr-3324	323	36	)	)	PUNCT
fsr-3324	323	37	saved	save	VERB
fsr-3324	323	38	8.1	8.1	NUM
fsr-3324	323	39	%	%	NOUN
fsr-3324	323	40	more	more	ADJ
fsr-3324	323	41	of	of	ADP
fsr-3324	323	42	the	the	DET
fsr-3324	323	43	payment	payment	NOUN
fsr-3324	323	44	(	(	PUNCT
fsr-3324	323	45	p	p	X
fsr-3324	323	46	�	�	PROPN
fsr-3324	323	47	0.015	0.015	NUM
fsr-3324	323	48	)	)	PUNCT
fsr-3324	323	49	.	.	PUNCT
fsr-3324	324	1	the	the	DET
fsr-3324	324	2	self	self	NOUN
fsr-3324	324	3	-	-	PUNCT
fsr-3324	324	4	reported	report	VERB
fsr-3324	324	5	“	"	PUNCT
fsr-3324	324	6	spenders	spender	NOUN
fsr-3324	324	7	”	"	PUNCT
fsr-3324	324	8	saved	save	VERB
fsr-3324	324	9	9.9	9.9	NUM
fsr-3324	324	10	%	%	NOUN
fsr-3324	324	11	less	less	ADJ
fsr-3324	324	12	than	than	ADP
fsr-3324	324	13	the	the	DET
fsr-3324	324	14	“	"	PUNCT
fsr-3324	324	15	savers	saver	NOUN
fsr-3324	324	16	”	"	PUNCT
fsr-3324	324	17	(	(	PUNCT
fsr-3324	324	18	p	p	PROPN
fsr-3324	324	19	�	�	PROPN
fsr-3324	324	20	0.001	0.001	NUM
fsr-3324	324	21	)	)	PUNCT
fsr-3324	324	22	.	.	PUNCT
fsr-3324	325	1	as	as	ADP
fsr-3324	325	2	with	with	ADP
fsr-3324	325	3	table	table	NOUN
fsr-3324	325	4	4	4	NUM
fsr-3324	325	5	,	,	PUNCT
fsr-3324	325	6	the	the	DET
fsr-3324	325	7	order	order	NOUN
fsr-3324	325	8	variable	variable	NOUN
fsr-3324	325	9	was	be	AUX
fsr-3324	325	10	statistically	statistically	ADV
fsr-3324	325	11	and	and	CCONJ
fsr-3324	325	12	economically	economically	ADV
fsr-3324	325	13	significant	significant	ADJ
fsr-3324	325	14	.	.	PUNCT
fsr-3324	326	1	when	when	SCONJ
fsr-3324	326	2	the	the	DET
fsr-3324	326	3	questionnaire	questionnaire	NOUN
fsr-3324	326	4	ordered	order	VERB
fsr-3324	326	5	the	the	DET
fsr-3324	326	6	monthly	monthly	ADJ
fsr-3324	326	7	payment	payment	NOUN
fsr-3324	326	8	first	first	ADV
fsr-3324	326	9	and	and	CCONJ
fsr-3324	326	10	the	the	DET
fsr-3324	326	11	lump	lump	NOUN
fsr-3324	326	12	sum	sum	NOUN
fsr-3324	326	13	second	second	ADJ
fsr-3324	326	14	,	,	PUNCT
fsr-3324	326	15	participants	participant	NOUN
fsr-3324	326	16	’	'	PUNCT
fsr-3324	326	17	total	total	ADJ
fsr-3324	326	18	savings	saving	NOUN
fsr-3324	326	19	increased	increase	VERB
fsr-3324	326	20	13.4	13.4	NUM
fsr-3324	326	21	%	%	NOUN
fsr-3324	326	22	more	more	ADJ
fsr-3324	326	23	than	than	ADP
fsr-3324	326	24	those	those	PRON
fsr-3324	326	25	where	where	SCONJ
fsr-3324	326	26	the	the	DET
fsr-3324	326	27	lump	lump	NOUN
fsr-3324	326	28	sum	sum	NOUN
fsr-3324	326	29	payment	payment	NOUN
fsr-3324	326	30	questions	question	NOUN
fsr-3324	326	31	were	be	AUX
fsr-3324	326	32	asked	ask	VERB
fsr-3324	326	33	first	first	ADV
fsr-3324	326	34	(	(	PUNCT
fsr-3324	326	35	p	p	PROPN
fsr-3324	326	36	�	�	PROPN
fsr-3324	326	37	0.001	0.001	NUM
fsr-3324	326	38	)	)	PUNCT
fsr-3324	326	39	.	.	PUNCT
fsr-3324	327	1	the	the	DET
fsr-3324	327	2	significant	significant	ADJ
fsr-3324	327	3	results	result	NOUN
fsr-3324	327	4	from	from	ADP
fsr-3324	327	5	regression	regression	NOUN
fsr-3324	327	6	output	output	NOUN
fsr-3324	327	7	similar	similar	ADJ
fsr-3324	327	8	to	to	ADP
fsr-3324	327	9	tables	table	NOUN
fsr-3324	327	10	2a	2a	NUM
fsr-3324	327	11	through	through	ADP
fsr-3324	327	12	2d	2d	NUM
fsr-3324	327	13	follow	follow	VERB
fsr-3324	327	14	and	and	CCONJ
fsr-3324	327	15	summarized	summarize	VERB
fsr-3324	327	16	again	again	ADV
fsr-3324	327	17	in	in	ADP
fsr-3324	327	18	table	table	NOUN
fsr-3324	327	19	6	6	NUM
fsr-3324	327	20	.	.	PUNCT
fsr-3324	328	1	for	for	ADP
fsr-3324	328	2	the	the	DET
fsr-3324	328	3	dependent	dependent	ADJ
fsr-3324	328	4	variable	variable	ADJ
fsr-3324	328	5	total	total	ADJ
fsr-3324	328	6	savings	saving	NOUN
fsr-3324	328	7	with	with	ADP
fsr-3324	328	8	monthly	monthly	ADJ
fsr-3324	328	9	table	table	NOUN
fsr-3324	328	10	6	6	NUM
fsr-3324	328	11	summary	summary	NOUN
fsr-3324	328	12	of	of	ADP
fsr-3324	328	13	significance	significance	NOUN
fsr-3324	328	14	of	of	ADP
fsr-3324	328	15	the	the	DET
fsr-3324	328	16	sources	source	NOUN
fsr-3324	328	17	of	of	ADP
fsr-3324	328	18	payment	payment	NOUN
fsr-3324	328	19	a.	a.	NOUN
fsr-3324	328	20	longer	long	ADJ
fsr-3324	328	21	-	-	PUNCT
fsr-3324	328	22	term	term	NOUN
fsr-3324	328	23	savings	saving	NOUN
fsr-3324	328	24	,	,	PUNCT
fsr-3324	328	25	lump	lump	NOUN
fsr-3324	328	26	sum	sum	NOUN
fsr-3324	328	27	�	�	PROPN
fsr-3324	328	28	pr	pr	PROPN
fsr-3324	328	29	�	�	PROPN
fsr-3324	328	30	�	�	PROPN
fsr-3324	328	31	t	t	PROPN
fsr-3324	328	32	�	�	PROPN
fsr-3324	328	33	at	at	ADP
fsr-3324	328	34	the	the	DET
fsr-3324	328	35	1	1	NUM
fsr-3324	328	36	%	%	NOUN
fsr-3324	328	37	significance	significance	NOUN
fsr-3324	328	38	level	level	NOUN
fsr-3324	328	39	game	game	NOUN
fsr-3324	328	40	show	show	NOUN
fsr-3324	328	41	vs.	vs.	ADP
fsr-3324	328	42	tax	tax	NOUN
fsr-3324	328	43	rebate	rebate	NOUN
fsr-3324	328	44	�	�	PROPN
fsr-3324	328	45	0.110	0.110	NUM
fsr-3324	328	46	0.001	0.001	NUM
fsr-3324	328	47	at	at	ADP
fsr-3324	328	48	the	the	DET
fsr-3324	328	49	5	5	NUM
fsr-3324	328	50	%	%	NOUN
fsr-3324	328	51	significance	significance	NOUN
fsr-3324	328	52	level	level	NOUN
fsr-3324	328	53	game	game	NOUN
fsr-3324	328	54	show	show	NOUN
fsr-3324	328	55	vs.	vs.	ADP
fsr-3324	328	56	lottery	lottery	NOUN
fsr-3324	328	57	�	�	PROPN
fsr-3324	328	58	0.067	0.067	NUM
fsr-3324	328	59	0.047	0.047	NUM
fsr-3324	328	60	game	game	NOUN
fsr-3324	328	61	show	show	NOUN
fsr-3324	328	62	vs.	vs.	ADP
fsr-3324	328	63	inheritance	inheritance	NOUN
fsr-3324	328	64	�	�	PROPN
fsr-3324	328	65	0.065	0.065	NUM
fsr-3324	328	66	0.045	0.045	NUM
fsr-3324	328	67	at	at	ADP
fsr-3324	328	68	the	the	DET
fsr-3324	328	69	10	10	NUM
fsr-3324	328	70	%	%	NOUN
fsr-3324	328	71	significance	significance	NOUN
fsr-3324	328	72	level	level	NOUN
fsr-3324	328	73	bonus	bonus	NOUN
fsr-3324	328	74	vs.	vs.	ADP
fsr-3324	328	75	tax	tax	NOUN
fsr-3324	328	76	rebate	rebate	NOUN
fsr-3324	328	77	�	�	PROPN
fsr-3324	328	78	0.066	0.066	NUM
fsr-3324	328	79	0.056	0.056	NUM
fsr-3324	328	80	b.	b.	PROPN
fsr-3324	328	81	total	total	ADJ
fsr-3324	328	82	savings	saving	NOUN
fsr-3324	328	83	,	,	PUNCT
fsr-3324	328	84	lump	lump	NOUN
fsr-3324	328	85	sum	sum	NOUN
fsr-3324	328	86	payment	payment	NOUN
fsr-3324	328	87	�	�	PROPN
fsr-3324	328	88	pr	pr	PROPN
fsr-3324	328	89	�	�	PROPN
fsr-3324	328	90	�	�	PROPN
fsr-3324	328	91	t	t	PROPN
fsr-3324	328	92	�	�	PROPN
fsr-3324	328	93	at	at	ADP
fsr-3324	328	94	the	the	DET
fsr-3324	328	95	10	10	NUM
fsr-3324	328	96	%	%	NOUN
fsr-3324	328	97	significance	significance	NOUN
fsr-3324	328	98	level	level	NOUN
fsr-3324	328	99	game	game	NOUN
fsr-3324	328	100	show	show	NOUN
fsr-3324	328	101	vs.	vs.	ADP
fsr-3324	328	102	tax	tax	NOUN
fsr-3324	328	103	rebate	rebate	NOUN
fsr-3324	328	104	�	�	PROPN
fsr-3324	328	105	0.056	0.056	NUM
fsr-3324	328	106	0.063	0.063	NUM
fsr-3324	328	107	c.	c.	NOUN
fsr-3324	328	108	longer	long	ADJ
fsr-3324	328	109	-	-	PUNCT
fsr-3324	328	110	term	term	NOUN
fsr-3324	328	111	savings	saving	NOUN
fsr-3324	328	112	,	,	PUNCT
fsr-3324	328	113	monthly	monthly	ADJ
fsr-3324	328	114	payment	payment	NOUN
fsr-3324	328	115	�	�	PROPN
fsr-3324	328	116	pr	pr	PROPN
fsr-3324	328	117	�	�	PROPN
fsr-3324	328	118	�	�	PROPN
fsr-3324	328	119	t	t	PROPN
fsr-3324	328	120	�	�	PROPN
fsr-3324	328	121	at	at	ADP
fsr-3324	328	122	the	the	DET
fsr-3324	328	123	1	1	NUM
fsr-3324	328	124	%	%	NOUN
fsr-3324	328	125	significance	significance	NOUN
fsr-3324	328	126	level	level	NOUN
fsr-3324	328	127	game	game	NOUN
fsr-3324	328	128	show	show	NOUN
fsr-3324	328	129	vs.	vs.	ADP
fsr-3324	328	130	tax	tax	NOUN
fsr-3324	328	131	rebate	rebate	NOUN
fsr-3324	328	132	�	�	PROPN
fsr-3324	328	133	.1058	.1058	PROPN
fsr-3324	328	134	.005	.005	NUM
fsr-3324	328	135	at	at	ADP
fsr-3324	328	136	the	the	DET
fsr-3324	328	137	5	5	NUM
fsr-3324	328	138	%	%	NOUN
fsr-3324	328	139	significance	significance	NOUN
fsr-3324	328	140	level	level	NOUN
fsr-3324	328	141	game	game	NOUN
fsr-3324	328	142	show	show	NOUN
fsr-3324	328	143	vs.	vs.	ADP
fsr-3324	328	144	lottery	lottery	NOUN
fsr-3324	328	145	�	�	PROPN
fsr-3324	328	146	.079	.079	NUM
fsr-3324	328	147	.036	.036	NUM
fsr-3324	328	148	at	at	ADP
fsr-3324	328	149	the	the	DET
fsr-3324	328	150	10	10	NUM
fsr-3324	328	151	%	%	NOUN
fsr-3324	328	152	significance	significance	NOUN
fsr-3324	328	153	level	level	NOUN
fsr-3324	328	154	game	game	NOUN
fsr-3324	328	155	show	show	NOUN
fsr-3324	328	156	vs.	vs.	ADP
fsr-3324	328	157	bonus	bonus	NOUN
fsr-3324	328	158	�	�	PROPN
fsr-3324	328	159	.068	.068	NUM
fsr-3324	328	160	.065	.065	NUM
fsr-3324	328	161	inheritance	inheritance	NOUN
fsr-3324	328	162	vs.	vs.	ADP
fsr-3324	328	163	tax	tax	NOUN
fsr-3324	328	164	rebate	rebate	NOUN
fsr-3324	328	165	�	�	PROPN
fsr-3324	328	166	.069	.069	NUM
fsr-3324	328	167	.066	.066	NUM
fsr-3324	328	168	d.	d.	PROPN
fsr-3324	328	169	total	total	PROPN
fsr-3324	328	170	savings	saving	NOUN
fsr-3324	328	171	,	,	PUNCT
fsr-3324	328	172	monthly	monthly	ADJ
fsr-3324	328	173	payment	payment	NOUN
fsr-3324	328	174	�	�	PROPN
fsr-3324	328	175	pr	pr	PROPN
fsr-3324	328	176	�	�	PROPN
fsr-3324	328	177	�	�	PROPN
fsr-3324	328	178	t	t	PROPN
fsr-3324	328	179	�	�	PROPN
fsr-3324	328	180	at	at	ADP
fsr-3324	328	181	the	the	DET
fsr-3324	328	182	1	1	NUM
fsr-3324	328	183	%	%	NOUN
fsr-3324	328	184	significance	significance	NOUN
fsr-3324	328	185	level	level	NOUN
fsr-3324	328	186	game	game	NOUN
fsr-3324	328	187	show	show	NOUN
fsr-3324	328	188	vs.	vs.	ADP
fsr-3324	328	189	lottery	lottery	NOUN
fsr-3324	328	190	�	�	PROPN
fsr-3324	328	191	.096	.096	NOUN
fsr-3324	328	192	.008	.008	NUM
fsr-3324	328	193	game	game	NOUN
fsr-3324	328	194	show	show	NOUN
fsr-3324	328	195	vs.	vs.	ADP
fsr-3324	328	196	bonus	bonus	NOUN
fsr-3324	328	197	�	�	PROPN
fsr-3324	328	198	.108	.108	NUM
fsr-3324	328	199	.002	.002	NUM
fsr-3324	328	200	at	at	ADP
fsr-3324	328	201	the	the	DET
fsr-3324	328	202	5	5	NUM
fsr-3324	328	203	%	%	NOUN
fsr-3324	328	204	significance	significance	NOUN
fsr-3324	328	205	level	level	NOUN
fsr-3324	328	206	game	game	NOUN
fsr-3324	328	207	show	show	NOUN
fsr-3324	328	208	vs.	vs.	ADP
fsr-3324	328	209	tax	tax	NOUN
fsr-3324	328	210	rebates	rebate	NOUN
fsr-3324	328	211	�	�	PROPN
fsr-3324	328	212	.076	.076	NUM
fsr-3324	328	213	.033	.033	NUM
fsr-3324	328	214	inheritance	inheritance	NOUN
fsr-3324	328	215	vs.	vs.	ADP
fsr-3324	328	216	bonus	bonus	NOUN
fsr-3324	328	217	�	�	PROPN
fsr-3324	328	218	.077	.077	NUM
fsr-3324	328	219	.033	.033	NUM
fsr-3324	328	220	at	at	ADP
fsr-3324	328	221	the	the	DET
fsr-3324	328	222	10	10	NUM
fsr-3324	328	223	%	%	NOUN
fsr-3324	328	224	significance	significance	NOUN
fsr-3324	328	225	level	level	NOUN
fsr-3324	328	226	inheritance	inheritance	NOUN
fsr-3324	328	227	vs.	vs.	ADP
fsr-3324	328	228	lottery	lottery	NOUN
fsr-3324	328	229	�	�	PROPN
fsr-3324	328	230	.065	.065	NUM
fsr-3324	328	231	.072	.072	NUM
fsr-3324	328	232	306	306	NUM
fsr-3324	328	233	v.	v.	ADP
fsr-3324	328	234	chambers	chamber	NOUN
fsr-3324	328	235	et	et	PROPN
fsr-3324	328	236	al	al	PROPN
fsr-3324	328	237	.	.	PUNCT
fsr-3324	328	238	/	/	SYM
fsr-3324	328	239	financial	financial	ADJ
fsr-3324	328	240	services	service	NOUN
fsr-3324	328	241	review	review	VERB
fsr-3324	328	242	26	26	NUM
fsr-3324	328	243	(	(	PUNCT
fsr-3324	328	244	2017	2017	NUM
fsr-3324	328	245	)	)	PUNCT
fsr-3324	328	246	291–313	291–313	NUM
fsr-3324	328	247	payments	payment	NOUN
fsr-3324	328	248	for	for	ADP
fsr-3324	328	249	one	one	NUM
fsr-3324	328	250	year	year	NOUN
fsr-3324	328	251	,	,	PUNCT
fsr-3324	328	252	game	game	NOUN
fsr-3324	328	253	show	show	NOUN
fsr-3324	328	254	winnings	winning	NOUN
fsr-3324	328	255	were	be	AUX
fsr-3324	328	256	saved	save	VERB
fsr-3324	328	257	at	at	ADP
fsr-3324	328	258	a	a	DET
fsr-3324	328	259	lower	low	ADJ
fsr-3324	328	260	rate	rate	NOUN
fsr-3324	328	261	than	than	ADP
fsr-3324	328	262	bonus	bonus	NOUN
fsr-3324	328	263	payments	payment	NOUN
fsr-3324	328	264	at	at	ADP
fsr-3324	328	265	the	the	DET
fsr-3324	328	266	p	p	PROPN
fsr-3324	328	267	�	�	PROPN
fsr-3324	328	268	0.0024	0.0024	NUM
fsr-3324	328	269	significance	significance	NOUN
fsr-3324	328	270	level	level	NOUN
fsr-3324	328	271	,	,	PUNCT
fsr-3324	328	272	and	and	CCONJ
fsr-3324	328	273	an	an	DET
fsr-3324	328	274	inheritance	inheritance	NOUN
fsr-3324	328	275	was	be	AUX
fsr-3324	328	276	saved	save	VERB
fsr-3324	328	277	at	at	ADP
fsr-3324	328	278	a	a	DET
fsr-3324	328	279	lower	low	ADJ
fsr-3324	328	280	level	level	NOUN
fsr-3324	328	281	than	than	ADP
fsr-3324	328	282	a	a	DET
fsr-3324	328	283	bonus	bonus	NOUN
fsr-3324	328	284	at	at	ADP
fsr-3324	328	285	the	the	DET
fsr-3324	328	286	0.00325	0.00325	NUM
fsr-3324	328	287	significance	significance	NOUN
fsr-3324	328	288	level	level	NOUN
fsr-3324	328	289	.	.	PUNCT
fsr-3324	329	1	the	the	DET
fsr-3324	329	2	percentage	percentage	NOUN
fsr-3324	329	3	saved	save	VERB
fsr-3324	329	4	from	from	ADP
fsr-3324	329	5	game	game	NOUN
fsr-3324	329	6	show	show	NOUN
fsr-3324	329	7	winnings	winning	NOUN
fsr-3324	329	8	were	be	AUX
fsr-3324	329	9	lower	low	ADJ
fsr-3324	329	10	than	than	ADP
fsr-3324	329	11	savings	saving	NOUN
fsr-3324	329	12	from	from	ADP
fsr-3324	329	13	lottery	lottery	NOUN
fsr-3324	329	14	payments	payment	NOUN
fsr-3324	329	15	at	at	ADP
fsr-3324	329	16	the	the	DET
fsr-3324	329	17	p	p	PROPN
fsr-3324	329	18	�	�	PROPN
fsr-3324	329	19	0.0077	0.0077	PROPN
fsr-3324	329	20	significance	significance	NOUN
fsr-3324	329	21	level	level	NOUN
fsr-3324	329	22	,	,	PUNCT
fsr-3324	329	23	and	and	CCONJ
fsr-3324	329	24	inheritance	inheritance	NOUN
fsr-3324	329	25	saving	saving	NOUN
fsr-3324	329	26	was	be	AUX
fsr-3324	329	27	lower	low	ADJ
fsr-3324	329	28	than	than	ADP
fsr-3324	329	29	that	that	PRON
fsr-3324	329	30	from	from	ADP
fsr-3324	329	31	lottery	lottery	NOUN
fsr-3324	329	32	payments	payment	NOUN
fsr-3324	329	33	,	,	PUNCT
fsr-3324	329	34	but	but	CCONJ
fsr-3324	329	35	only	only	ADV
fsr-3324	329	36	at	at	ADP
fsr-3324	329	37	the	the	DET
fsr-3324	329	38	p	p	X
fsr-3324	329	39	�	�	PROPN
fsr-3324	329	40	0.0721	0.0721	NUM
fsr-3324	329	41	significance	significance	NOUN
fsr-3324	329	42	level	level	NOUN
fsr-3324	329	43	.	.	PUNCT
fsr-3324	330	1	savings	saving	NOUN
fsr-3324	330	2	from	from	ADP
fsr-3324	330	3	game	game	NOUN
fsr-3324	330	4	show	show	NOUN
fsr-3324	330	5	winnings	winning	NOUN
fsr-3324	330	6	were	be	AUX
fsr-3324	330	7	less	less	ADJ
fsr-3324	330	8	than	than	ADP
fsr-3324	330	9	savings	saving	NOUN
fsr-3324	330	10	from	from	ADP
fsr-3324	330	11	a	a	DET
fsr-3324	330	12	tax	tax	NOUN
fsr-3324	330	13	rebate	rebate	NOUN
fsr-3324	330	14	at	at	ADP
fsr-3324	330	15	the	the	DET
fsr-3324	330	16	p	p	X
fsr-3324	330	17	�	�	PROPN
fsr-3324	330	18	0.0329	0.0329	NUM
fsr-3324	330	19	significance	significance	NOUN
fsr-3324	330	20	level	level	NOUN
fsr-3324	330	21	.	.	PUNCT
fsr-3324	331	1	the	the	DET
fsr-3324	331	2	percentage	percentage	NOUN
fsr-3324	331	3	saved	save	VERB
fsr-3324	331	4	from	from	ADP
fsr-3324	331	5	a	a	DET
fsr-3324	331	6	bonus	bonus	NOUN
fsr-3324	331	7	was	be	AUX
fsr-3324	331	8	higher	high	ADJ
fsr-3324	331	9	than	than	ADP
fsr-3324	331	10	inheritance	inheritance	NOUN
fsr-3324	331	11	savings	saving	NOUN
fsr-3324	331	12	at	at	ADP
fsr-3324	331	13	the	the	DET
fsr-3324	331	14	p	p	PROPN
fsr-3324	331	15	�	�	PROPN
fsr-3324	331	16	0.0325	0.0325	NUM
fsr-3324	331	17	significance	significance	NOUN
fsr-3324	331	18	level	level	NOUN
fsr-3324	331	19	,	,	PUNCT
fsr-3324	331	20	and	and	CCONJ
fsr-3324	331	21	savings	saving	NOUN
fsr-3324	331	22	from	from	ADP
fsr-3324	331	23	a	a	DET
fsr-3324	331	24	lottery	lottery	NOUN
fsr-3324	331	25	winning	win	VERB
fsr-3324	331	26	was	be	AUX
fsr-3324	331	27	higher	high	ADJ
fsr-3324	331	28	than	than	ADP
fsr-3324	331	29	that	that	PRON
fsr-3324	331	30	of	of	ADP
fsr-3324	331	31	from	from	ADP
fsr-3324	331	32	an	an	DET
fsr-3324	331	33	inheritance	inheritance	NOUN
fsr-3324	331	34	,	,	PUNCT
fsr-3324	331	35	but	but	CCONJ
fsr-3324	331	36	only	only	ADV
fsr-3324	331	37	at	at	ADP
fsr-3324	331	38	the	the	DET
fsr-3324	331	39	p	p	X
fsr-3324	331	40	�	�	PROPN
fsr-3324	331	41	0.0721	0.0721	NUM
fsr-3324	331	42	significance	significance	NOUN
fsr-3324	331	43	level	level	NOUN
fsr-3324	331	44	.	.	PUNCT
fsr-3324	332	1	the	the	DET
fsr-3324	332	2	results	result	NOUN
fsr-3324	332	3	summarized	summarize	VERB
fsr-3324	332	4	in	in	ADP
fsr-3324	332	5	part	part	NOUN
fsr-3324	332	6	a	a	PRON
fsr-3324	332	7	of	of	ADP
fsr-3324	332	8	table	table	NOUN
fsr-3324	332	9	6	6	NUM
fsr-3324	332	10	shown	show	VERB
fsr-3324	332	11	an	an	DET
fsr-3324	332	12	economically	economically	ADV
fsr-3324	332	13	and	and	CCONJ
fsr-3324	332	14	statistically	statistically	ADV
fsr-3324	332	15	significant	significant	ADJ
fsr-3324	332	16	lower	low	ADJ
fsr-3324	332	17	amount	amount	NOUN
fsr-3324	332	18	was	be	AUX
fsr-3324	332	19	saved	save	VERB
fsr-3324	332	20	from	from	ADP
fsr-3324	332	21	game	game	NOUN
fsr-3324	332	22	show	show	NOUN
fsr-3324	332	23	winnings	winning	NOUN
fsr-3324	332	24	than	than	SCONJ
fsr-3324	332	25	were	be	AUX
fsr-3324	332	26	saved	save	VERB
fsr-3324	332	27	from	from	ADP
fsr-3324	332	28	lottery	lottery	NOUN
fsr-3324	332	29	winnings	winning	NOUN
fsr-3324	332	30	,	,	PUNCT
fsr-3324	332	31	inheritance	inheritance	NOUN
fsr-3324	332	32	and	and	CCONJ
fsr-3324	332	33	tax	tax	NOUN
fsr-3324	332	34	rebates	rebate	NOUN
fsr-3324	332	35	.	.	PUNCT
fsr-3324	333	1	less	less	ADJ
fsr-3324	333	2	of	of	ADP
fsr-3324	333	3	a	a	DET
fsr-3324	333	4	bonus	bonus	NOUN
fsr-3324	333	5	was	be	AUX
fsr-3324	333	6	saved	save	VERB
fsr-3324	333	7	than	than	ADP
fsr-3324	333	8	a	a	DET
fsr-3324	333	9	tax	tax	NOUN
fsr-3324	333	10	rebate	rebate	NOUN
fsr-3324	333	11	,	,	PUNCT
fsr-3324	333	12	but	but	CCONJ
fsr-3324	333	13	this	this	PRON
fsr-3324	333	14	was	be	AUX
fsr-3324	333	15	significant	significant	ADJ
fsr-3324	333	16	at	at	ADP
fsr-3324	333	17	slightly	slightly	ADV
fsr-3324	333	18	more	more	ADJ
fsr-3324	333	19	than	than	ADP
fsr-3324	333	20	the	the	DET
fsr-3324	333	21	5	5	NUM
fsr-3324	333	22	%	%	NOUN
fsr-3324	333	23	level	level	NOUN
fsr-3324	333	24	.	.	PUNCT
fsr-3324	334	1	part	part	NOUN
fsr-3324	334	2	b	b	PROPN
fsr-3324	334	3	of	of	ADP
fsr-3324	334	4	table	table	NOUN
fsr-3324	334	5	6	6	NUM
fsr-3324	334	6	provides	provide	VERB
fsr-3324	334	7	weak	weak	ADJ
fsr-3324	334	8	support	support	NOUN
fsr-3324	334	9	(	(	PUNCT
fsr-3324	334	10	p	p	NOUN
fsr-3324	334	11	�	�	PROPN
fsr-3324	334	12	0.063	0.063	NUM
fsr-3324	334	13	)	)	PUNCT
fsr-3324	334	14	indicating	indicate	VERB
fsr-3324	334	15	that	that	SCONJ
fsr-3324	334	16	5.6	5.6	NUM
fsr-3324	334	17	%	%	NOUN
fsr-3324	334	18	less	less	ADJ
fsr-3324	334	19	was	be	AUX
fsr-3324	334	20	saved	save	VERB
fsr-3324	334	21	from	from	ADP
fsr-3324	334	22	game	game	NOUN
fsr-3324	334	23	show	show	NOUN
fsr-3324	334	24	winnings	winning	NOUN
fsr-3324	334	25	than	than	ADP
fsr-3324	334	26	from	from	ADP
fsr-3324	334	27	tax	tax	NOUN
fsr-3324	334	28	rebates	rebate	NOUN
fsr-3324	334	29	.	.	PUNCT
fsr-3324	335	1	part	part	NOUN
fsr-3324	335	2	c	c	NOUN
fsr-3324	335	3	of	of	ADP
fsr-3324	335	4	table	table	NOUN
fsr-3324	335	5	6	6	NUM
fsr-3324	335	6	shows	show	VERB
fsr-3324	335	7	strong	strong	ADJ
fsr-3324	335	8	economic	economic	ADJ
fsr-3324	335	9	and	and	CCONJ
fsr-3324	335	10	statistically	statistically	ADV
fsr-3324	335	11	significant	significant	ADJ
fsr-3324	335	12	results	result	NOUN
fsr-3324	335	13	showed	show	VERB
fsr-3324	335	14	that	that	SCONJ
fsr-3324	335	15	savings	saving	NOUN
fsr-3324	335	16	from	from	ADP
fsr-3324	335	17	game	game	NOUN
fsr-3324	335	18	show	show	NOUN
fsr-3324	335	19	winnings	winning	NOUN
fsr-3324	335	20	were	be	AUX
fsr-3324	335	21	less	less	ADJ
fsr-3324	335	22	than	than	ADP
fsr-3324	335	23	those	those	PRON
fsr-3324	335	24	from	from	ADP
fsr-3324	335	25	lottery	lottery	NOUN
fsr-3324	335	26	and	and	CCONJ
fsr-3324	335	27	tax	tax	NOUN
fsr-3324	335	28	rebates	rebate	NOUN
fsr-3324	335	29	.	.	PUNCT
fsr-3324	336	1	weak	weak	ADJ
fsr-3324	336	2	statistical	statistical	ADJ
fsr-3324	336	3	support	support	NOUN
fsr-3324	336	4	indicated	indicate	VERB
fsr-3324	336	5	that	that	SCONJ
fsr-3324	336	6	savings	saving	NOUN
fsr-3324	336	7	from	from	ADP
fsr-3324	336	8	game	game	NOUN
fsr-3324	336	9	show	show	NOUN
fsr-3324	336	10	winnings	winning	NOUN
fsr-3324	336	11	were	be	AUX
fsr-3324	336	12	lower	low	ADJ
fsr-3324	336	13	than	than	ADP
fsr-3324	336	14	that	that	PRON
fsr-3324	336	15	from	from	ADP
fsr-3324	336	16	bonus	bonus	NOUN
fsr-3324	336	17	payments	payment	NOUN
fsr-3324	336	18	;	;	PUNCT
fsr-3324	336	19	and	and	CCONJ
fsr-3324	336	20	that	that	SCONJ
fsr-3324	336	21	savings	saving	NOUN
fsr-3324	336	22	from	from	ADP
fsr-3324	336	23	inheritances	inheritance	NOUN
fsr-3324	336	24	were	be	AUX
fsr-3324	336	25	lower	low	ADJ
fsr-3324	336	26	than	than	ADP
fsr-3324	336	27	that	that	PRON
fsr-3324	336	28	from	from	ADP
fsr-3324	336	29	tax	tax	NOUN
fsr-3324	336	30	rebates	rebate	NOUN
fsr-3324	336	31	.	.	PUNCT
fsr-3324	337	1	finally	finally	ADV
fsr-3324	337	2	,	,	PUNCT
fsr-3324	337	3	part	part	NOUN
fsr-3324	337	4	d	d	PROPN
fsr-3324	337	5	of	of	ADP
fsr-3324	337	6	table	table	NOUN
fsr-3324	337	7	6	6	NUM
fsr-3324	337	8	summarizes	summarize	NOUN
fsr-3324	337	9	the	the	DET
fsr-3324	337	10	results	result	NOUN
fsr-3324	337	11	providing	provide	VERB
fsr-3324	337	12	strong	strong	ADJ
fsr-3324	337	13	economic	economic	ADJ
fsr-3324	337	14	and	and	CCONJ
fsr-3324	337	15	statistically	statistically	ADV
fsr-3324	337	16	significant	significant	ADJ
fsr-3324	337	17	results	result	NOUN
fsr-3324	337	18	showed	show	VERB
fsr-3324	337	19	that	that	SCONJ
fsr-3324	337	20	savings	saving	NOUN
fsr-3324	337	21	from	from	ADP
fsr-3324	337	22	game	game	NOUN
fsr-3324	337	23	show	show	NOUN
fsr-3324	337	24	winnings	winning	NOUN
fsr-3324	337	25	were	be	AUX
fsr-3324	337	26	less	less	ADJ
fsr-3324	337	27	than	than	ADP
fsr-3324	337	28	those	those	PRON
fsr-3324	337	29	from	from	ADP
fsr-3324	337	30	lottery	lottery	NOUN
fsr-3324	337	31	,	,	PUNCT
fsr-3324	337	32	bonus	bonus	NOUN
fsr-3324	337	33	or	or	CCONJ
fsr-3324	337	34	tax	tax	NOUN
fsr-3324	337	35	rebates	rebate	NOUN
fsr-3324	337	36	.	.	PUNCT
fsr-3324	338	1	in	in	ADP
fsr-3324	338	2	addition	addition	NOUN
fsr-3324	338	3	,	,	PUNCT
fsr-3324	338	4	less	less	ADJ
fsr-3324	338	5	of	of	ADP
fsr-3324	338	6	inheritance	inheritance	NOUN
fsr-3324	338	7	payments	payment	NOUN
fsr-3324	338	8	were	be	AUX
fsr-3324	338	9	saved	save	VERB
fsr-3324	338	10	than	than	ADP
fsr-3324	338	11	from	from	ADP
fsr-3324	338	12	bonus	bonus	NOUN
fsr-3324	338	13	payments	payment	NOUN
fsr-3324	338	14	.	.	PUNCT
fsr-3324	339	1	weak	weak	ADJ
fsr-3324	339	2	evidence	evidence	NOUN
fsr-3324	339	3	suggested	suggest	VERB
fsr-3324	339	4	that	that	SCONJ
fsr-3324	339	5	less	less	ADJ
fsr-3324	339	6	of	of	ADP
fsr-3324	339	7	inheritance	inheritance	NOUN
fsr-3324	339	8	payments	payment	NOUN
fsr-3324	339	9	were	be	AUX
fsr-3324	339	10	saved	save	VERB
fsr-3324	339	11	than	than	ADP
fsr-3324	339	12	from	from	ADP
fsr-3324	339	13	monthly	monthly	ADJ
fsr-3324	339	14	lottery	lottery	NOUN
fsr-3324	339	15	payments	payment	NOUN
fsr-3324	339	16	.	.	PUNCT
fsr-3324	340	1	the	the	DET
fsr-3324	340	2	results	result	NOUN
fsr-3324	340	3	summarized	summarize	VERB
fsr-3324	340	4	in	in	ADP
fsr-3324	340	5	table	table	NOUN
fsr-3324	340	6	6	6	NUM
fsr-3324	340	7	negate	negate	VERB
fsr-3324	340	8	the	the	DET
fsr-3324	340	9	null	null	ADJ
fsr-3324	340	10	hypothesis	hypothesis	NOUN
fsr-3324	340	11	.	.	PUNCT
fsr-3324	341	1	for	for	ADP
fsr-3324	341	2	example	example	NOUN
fsr-3324	341	3	,	,	PUNCT
fsr-3324	341	4	in	in	ADP
fsr-3324	341	5	at	at	ADV
fsr-3324	341	6	least	least	ADV
fsr-3324	341	7	one	one	NUM
fsr-3324	341	8	set	set	NOUN
fsr-3324	341	9	of	of	ADP
fsr-3324	341	10	regressions	regression	NOUN
fsr-3324	341	11	,	,	PUNCT
fsr-3324	341	12	the	the	DET
fsr-3324	341	13	results	result	NOUN
fsr-3324	341	14	indicated	indicate	VERB
fsr-3324	341	15	that	that	SCONJ
fsr-3324	341	16	savings	saving	NOUN
fsr-3324	341	17	from	from	ADP
fsr-3324	341	18	game	game	NOUN
fsr-3324	341	19	show	show	NOUN
fsr-3324	341	20	winnings	winning	NOUN
fsr-3324	341	21	were	be	AUX
fsr-3324	341	22	significantly	significantly	ADV
fsr-3324	341	23	lower	low	ADJ
fsr-3324	341	24	than	than	ADP
fsr-3324	341	25	from	from	ADP
fsr-3324	341	26	bonuses	bonus	NOUN
fsr-3324	341	27	,	,	PUNCT
fsr-3324	341	28	inheritances	inheritance	NOUN
fsr-3324	341	29	,	,	PUNCT
fsr-3324	341	30	lottery	lottery	NOUN
fsr-3324	341	31	winnings	winning	NOUN
fsr-3324	341	32	,	,	PUNCT
fsr-3324	341	33	or	or	CCONJ
fsr-3324	341	34	tax	tax	NOUN
fsr-3324	341	35	rebates	rebate	NOUN
fsr-3324	341	36	.	.	PUNCT
fsr-3324	342	1	6	6	X
fsr-3324	342	2	.	.	X
fsr-3324	342	3	discussion	discussion	NOUN
fsr-3324	342	4	the	the	DET
fsr-3324	342	5	results	result	NOUN
fsr-3324	342	6	show	show	VERB
fsr-3324	342	7	multiple	multiple	ADJ
fsr-3324	342	8	instances	instance	NOUN
fsr-3324	342	9	where	where	SCONJ
fsr-3324	342	10	windfalls	windfall	NOUN
fsr-3324	342	11	,	,	PUNCT
fsr-3324	342	12	whether	whether	SCONJ
fsr-3324	342	13	distributed	distribute	VERB
fsr-3324	342	14	as	as	ADP
fsr-3324	342	15	a	a	DET
fsr-3324	342	16	lump	lump	NOUN
fsr-3324	342	17	sum	sum	NOUN
fsr-3324	342	18	or	or	CCONJ
fsr-3324	342	19	spread	spread	VERB
fsr-3324	342	20	out	out	ADP
fsr-3324	342	21	in	in	ADP
fsr-3324	342	22	the	the	DET
fsr-3324	342	23	form	form	NOUN
fsr-3324	342	24	of	of	ADP
fsr-3324	342	25	monthly	monthly	ADJ
fsr-3324	342	26	payments	payment	NOUN
fsr-3324	342	27	for	for	ADP
fsr-3324	342	28	a	a	DET
fsr-3324	342	29	year	year	NOUN
fsr-3324	342	30	affect	affect	VERB
fsr-3324	342	31	longer	long	ADJ
fsr-3324	342	32	-	-	PUNCT
fsr-3324	342	33	term	term	NOUN
fsr-3324	342	34	savings	saving	NOUN
fsr-3324	342	35	and	and	CCONJ
fsr-3324	342	36	total	total	ADJ
fsr-3324	342	37	savings	saving	NOUN
fsr-3324	342	38	,	,	PUNCT
fsr-3324	342	39	negating	negate	VERB
fsr-3324	342	40	the	the	DET
fsr-3324	342	41	null	null	ADJ
fsr-3324	342	42	hypothesis	hypothesis	NOUN
fsr-3324	342	43	.	.	PUNCT
fsr-3324	343	1	this	this	PRON
fsr-3324	343	2	is	be	AUX
fsr-3324	343	3	a	a	DET
fsr-3324	343	4	clear	clear	ADJ
fsr-3324	343	5	exception	exception	NOUN
fsr-3324	343	6	to	to	ADP
fsr-3324	343	7	neoclassical	neoclassical	ADJ
fsr-3324	343	8	economic	economic	ADJ
fsr-3324	343	9	theory	theory	NOUN
fsr-3324	343	10	but	but	CCONJ
fsr-3324	343	11	consistent	consistent	ADJ
fsr-3324	343	12	with	with	ADP
fsr-3324	343	13	mental	mental	ADJ
fsr-3324	343	14	accounting	accounting	NOUN
fsr-3324	343	15	theory	theory	NOUN
fsr-3324	343	16	and	and	CCONJ
fsr-3324	343	17	behavioral	behavioral	ADJ
fsr-3324	343	18	economics	economic	NOUN
fsr-3324	343	19	.	.	PUNCT
fsr-3324	344	1	for	for	ADP
fsr-3324	344	2	game	game	NOUN
fsr-3324	344	3	show	show	NOUN
fsr-3324	344	4	winnings	winning	NOUN
fsr-3324	344	5	and	and	CCONJ
fsr-3324	344	6	inheritance	inheritance	NOUN
fsr-3324	344	7	,	,	PUNCT
fsr-3324	344	8	a	a	DET
fsr-3324	344	9	greater	great	ADJ
fsr-3324	344	10	percentage	percentage	NOUN
fsr-3324	344	11	was	be	AUX
fsr-3324	344	12	spent	spend	VERB
fsr-3324	344	13	than	than	SCONJ
fsr-3324	344	14	was	be	AUX
fsr-3324	344	15	money	money	NOUN
fsr-3324	344	16	from	from	ADP
fsr-3324	344	17	a	a	DET
fsr-3324	344	18	bonus	bonus	NOUN
fsr-3324	344	19	,	,	PUNCT
fsr-3324	344	20	tax	tax	NOUN
fsr-3324	344	21	rebate	rebate	NOUN
fsr-3324	344	22	or	or	CCONJ
fsr-3324	344	23	lottery	lottery	NOUN
fsr-3324	344	24	winning	winning	NOUN
fsr-3324	344	25	.	.	PUNCT
fsr-3324	345	1	as	as	SCONJ
fsr-3324	345	2	the	the	DET
fsr-3324	345	3	amounts	amount	NOUN
fsr-3324	345	4	used	use	VERB
fsr-3324	345	5	in	in	ADP
fsr-3324	345	6	this	this	DET
fsr-3324	345	7	study	study	NOUN
fsr-3324	345	8	ranged	range	VERB
fsr-3324	345	9	from	from	ADP
fsr-3324	345	10	$	$	SYM
fsr-3324	345	11	300	300	NUM
fsr-3324	345	12	to	to	PART
fsr-3324	345	13	$	$	SYM
fsr-3324	345	14	3000	3000	NUM
fsr-3324	345	15	,	,	PUNCT
fsr-3324	345	16	these	these	DET
fsr-3324	345	17	results	result	NOUN
fsr-3324	345	18	are	be	AUX
fsr-3324	345	19	consistent	consistent	ADJ
fsr-3324	345	20	with	with	ADP
fsr-3324	345	21	the	the	DET
fsr-3324	345	22	findings	finding	NOUN
fsr-3324	345	23	of	of	ADP
fsr-3324	345	24	zagorsky	zagorsky	PROPN
fsr-3324	345	25	(	(	PUNCT
fsr-3324	345	26	2013	2013	NUM
fsr-3324	345	27	)	)	PUNCT
fsr-3324	345	28	,	,	PUNCT
fsr-3324	345	29	who	who	PRON
fsr-3324	345	30	found	find	VERB
fsr-3324	345	31	that	that	SCONJ
fsr-3324	345	32	over	over	ADP
fsr-3324	345	33	40	40	NUM
fsr-3324	345	34	%	%	NOUN
fsr-3324	345	35	of	of	ADP
fsr-3324	345	36	those	those	PRON
fsr-3324	345	37	who	who	PRON
fsr-3324	345	38	inherited	inherit	VERB
fsr-3324	345	39	less	less	ADJ
fsr-3324	345	40	than	than	ADP
fsr-3324	345	41	$	$	SYM
fsr-3324	345	42	1,000	1,000	NUM
fsr-3324	345	43	spent	spend	VERB
fsr-3324	345	44	their	their	PRON
fsr-3324	345	45	entire	entire	ADJ
fsr-3324	345	46	bequests	bequest	NOUN
fsr-3324	345	47	.	.	PUNCT
fsr-3324	346	1	because	because	SCONJ
fsr-3324	346	2	there	there	PRON
fsr-3324	346	3	are	be	VERB
fsr-3324	346	4	significant	significant	ADJ
fsr-3324	346	5	differences	difference	NOUN
fsr-3324	346	6	in	in	ADP
fsr-3324	346	7	how	how	SCONJ
fsr-3324	346	8	much	much	ADJ
fsr-3324	346	9	windfall	windfall	NOUN
fsr-3324	346	10	income	income	NOUN
fsr-3324	346	11	people	people	NOUN
fsr-3324	346	12	save	save	VERB
fsr-3324	346	13	based	base	VERB
fsr-3324	346	14	on	on	ADP
fsr-3324	346	15	the	the	DET
fsr-3324	346	16	source	source	NOUN
fsr-3324	346	17	of	of	ADP
fsr-3324	346	18	that	that	DET
fsr-3324	346	19	income	income	NOUN
fsr-3324	346	20	alone	alone	ADV
fsr-3324	346	21	,	,	PUNCT
fsr-3324	346	22	the	the	DET
fsr-3324	346	23	source	source	NOUN
fsr-3324	346	24	of	of	ADP
fsr-3324	346	25	a	a	DET
fsr-3324	346	26	windfall	windfall	NOUN
fsr-3324	346	27	may	may	AUX
fsr-3324	346	28	be	be	AUX
fsr-3324	346	29	a	a	DET
fsr-3324	346	30	factor	factor	NOUN
fsr-3324	346	31	in	in	ADP
fsr-3324	346	32	saving	saving	NOUN
fsr-3324	346	33	,	,	PUNCT
fsr-3324	346	34	not	not	PART
fsr-3324	346	35	the	the	DET
fsr-3324	346	36	amount	amount	NOUN
fsr-3324	346	37	of	of	ADP
fsr-3324	346	38	the	the	DET
fsr-3324	346	39	windfall	windfall	NOUN
fsr-3324	346	40	itself	itself	PRON
fsr-3324	346	41	.	.	PUNCT
fsr-3324	347	1	in	in	ADP
fsr-3324	347	2	particular	particular	ADJ
fsr-3324	347	3	,	,	PUNCT
fsr-3324	347	4	game	game	NOUN
fsr-3324	347	5	show	show	NOUN
fsr-3324	347	6	winnings	winning	NOUN
fsr-3324	347	7	,	,	PUNCT
fsr-3324	347	8	which	which	PRON
fsr-3324	347	9	are	be	AUX
fsr-3324	347	10	arguably	arguably	ADV
fsr-3324	347	11	associated	associate	VERB
fsr-3324	347	12	with	with	ADP
fsr-3324	347	13	“	"	PUNCT
fsr-3324	347	14	fun	fun	ADJ
fsr-3324	347	15	”	"	PUNCT
fsr-3324	347	16	307v	307v	PROPN
fsr-3324	347	17	.	.	PUNCT
fsr-3324	347	18	chambers	chamber	NOUN
fsr-3324	347	19	et	et	PROPN
fsr-3324	347	20	al	al	PROPN
fsr-3324	347	21	.	.	PUNCT
fsr-3324	347	22	/	/	SYM
fsr-3324	347	23	financial	financial	ADJ
fsr-3324	347	24	services	service	NOUN
fsr-3324	347	25	review	review	VERB
fsr-3324	347	26	26	26	NUM
fsr-3324	347	27	(	(	PUNCT
fsr-3324	347	28	2017	2017	NUM
fsr-3324	347	29	)	)	PUNCT
fsr-3324	348	1	291–313	291–313	NUM
fsr-3324	348	2	are	be	AUX
fsr-3324	348	3	much	much	ADV
fsr-3324	348	4	more	more	ADV
fsr-3324	348	5	likely	likely	ADJ
fsr-3324	348	6	to	to	PART
fsr-3324	348	7	be	be	AUX
fsr-3324	348	8	spent	spend	VERB
fsr-3324	348	9	—	—	PUNCT
fsr-3324	348	10	a	a	DET
fsr-3324	348	11	hedonistic	hedonistic	ADJ
fsr-3324	348	12	pursuit	pursuit	NOUN
fsr-3324	348	13	.	.	PUNCT
fsr-3324	349	1	further	far	ADV
fsr-3324	349	2	,	,	PUNCT
fsr-3324	349	3	there	there	PRON
fsr-3324	349	4	were	be	VERB
fsr-3324	349	5	significant	significant	ADJ
fsr-3324	349	6	findings	finding	NOUN
fsr-3324	349	7	that	that	SCONJ
fsr-3324	349	8	inheritances	inheritance	NOUN
fsr-3324	349	9	were	be	AUX
fsr-3324	349	10	treated	treat	VERB
fsr-3324	349	11	differently	differently	ADV
fsr-3324	349	12	than	than	ADP
fsr-3324	349	13	a	a	DET
fsr-3324	349	14	bonus	bonus	NOUN
fsr-3324	349	15	,	,	PUNCT
fsr-3324	349	16	tax	tax	NOUN
fsr-3324	349	17	rebate	rebate	NOUN
fsr-3324	349	18	,	,	PUNCT
fsr-3324	349	19	or	or	CCONJ
fsr-3324	349	20	lottery	lottery	NOUN
fsr-3324	349	21	winning	winning	NOUN
fsr-3324	349	22	.	.	PUNCT
fsr-3324	350	1	this	this	DET
fsr-3324	350	2	finding	finding	NOUN
fsr-3324	350	3	seems	seem	VERB
fsr-3324	350	4	to	to	PART
fsr-3324	350	5	support	support	VERB
fsr-3324	350	6	and	and	CCONJ
fsr-3324	350	7	extend	extend	VERB
fsr-3324	350	8	the	the	DET
fsr-3324	350	9	finding	finding	NOUN
fsr-3324	350	10	that	that	SCONJ
fsr-3324	350	11	there	there	PRON
fsr-3324	350	12	is	be	VERB
fsr-3324	350	13	some	some	DET
fsr-3324	350	14	non	non	ADJ
fsr-3324	350	15	-	-	ADJ
fsr-3324	350	16	rational	rational	ADJ
fsr-3324	350	17	,	,	PUNCT
fsr-3324	350	18	perhaps	perhaps	ADV
fsr-3324	350	19	affective	affective	ADJ
fsr-3324	350	20	tag	tag	NOUN
fsr-3324	350	21	associated	associate	VERB
fsr-3324	350	22	with	with	ADP
fsr-3324	350	23	some	some	DET
fsr-3324	350	24	sources	source	NOUN
fsr-3324	350	25	of	of	ADP
fsr-3324	350	26	income	income	NOUN
fsr-3324	350	27	,	,	PUNCT
fsr-3324	350	28	as	as	SCONJ
fsr-3324	350	29	presented	present	VERB
fsr-3324	350	30	by	by	ADP
fsr-3324	350	31	levav	levav	PROPN
fsr-3324	350	32	and	and	CCONJ
fsr-3324	350	33	mcgraw	mcgraw	PROPN
fsr-3324	350	34	(	(	PUNCT
fsr-3324	350	35	2009	2009	NUM
fsr-3324	350	36	)	)	PUNCT
fsr-3324	350	37	.	.	PUNCT
fsr-3324	351	1	with	with	ADP
fsr-3324	351	2	a	a	DET
fsr-3324	351	3	regular	regular	ADJ
fsr-3324	351	4	income	income	NOUN
fsr-3324	351	5	stream	stream	NOUN
fsr-3324	351	6	,	,	PUNCT
fsr-3324	351	7	people	people	NOUN
fsr-3324	351	8	generally	generally	ADV
fsr-3324	351	9	treat	treat	VERB
fsr-3324	351	10	money	money	NOUN
fsr-3324	351	11	as	as	ADV
fsr-3324	351	12	fungible	fungible	ADJ
fsr-3324	351	13	when	when	SCONJ
fsr-3324	351	14	it	it	PRON
fsr-3324	351	15	comes	come	VERB
fsr-3324	351	16	in	in	ADV
fsr-3324	351	17	,	,	PUNCT
fsr-3324	351	18	but	but	CCONJ
fsr-3324	351	19	then	then	ADV
fsr-3324	351	20	use	use	VERB
fsr-3324	351	21	mental	mental	ADJ
fsr-3324	351	22	accounting	accounting	NOUN
fsr-3324	351	23	“	"	PUNCT
fsr-3324	351	24	buckets	bucket	NOUN
fsr-3324	351	25	”	"	PUNCT
fsr-3324	351	26	to	to	PART
fsr-3324	351	27	determine	determine	VERB
fsr-3324	351	28	where	where	SCONJ
fsr-3324	351	29	it	it	PRON
fsr-3324	351	30	will	will	AUX
fsr-3324	351	31	go	go	VERB
fsr-3324	351	32	out	out	ADV
fsr-3324	351	33	,	,	PUNCT
fsr-3324	351	34	combining	combine	VERB
fsr-3324	351	35	elements	element	NOUN
fsr-3324	351	36	of	of	ADP
fsr-3324	351	37	both	both	DET
fsr-3324	351	38	neoclassical	neoclassical	ADJ
fsr-3324	351	39	economic	economic	ADJ
fsr-3324	351	40	theory	theory	NOUN
fsr-3324	351	41	and	and	CCONJ
fsr-3324	351	42	behavioral	behavioral	ADJ
fsr-3324	351	43	economics	economic	NOUN
fsr-3324	351	44	.	.	PUNCT
fsr-3324	352	1	neoclassical	neoclassical	ADJ
fsr-3324	352	2	economic	economic	ADJ
fsr-3324	352	3	theory	theory	NOUN
fsr-3324	352	4	and	and	CCONJ
fsr-3324	352	5	behavioral	behavioral	ADJ
fsr-3324	352	6	economics	economic	NOUN
fsr-3324	352	7	are	be	AUX
fsr-3324	352	8	seen	see	VERB
fsr-3324	352	9	as	as	ADP
fsr-3324	352	10	somewhat	somewhat	ADV
fsr-3324	352	11	competing	compete	VERB
fsr-3324	352	12	theories	theory	NOUN
fsr-3324	352	13	when	when	SCONJ
fsr-3324	352	14	in	in	ADP
fsr-3324	352	15	fact	fact	NOUN
fsr-3324	352	16	there	there	PRON
fsr-3324	352	17	may	may	AUX
fsr-3324	352	18	be	be	AUX
fsr-3324	352	19	a	a	DET
fsr-3324	352	20	place	place	NOUN
fsr-3324	352	21	for	for	ADP
fsr-3324	352	22	both	both	PRON
fsr-3324	352	23	.	.	PUNCT
fsr-3324	353	1	people	people	NOUN
fsr-3324	353	2	could	could	AUX
fsr-3324	353	3	decide	decide	VERB
fsr-3324	353	4	that	that	DET
fsr-3324	353	5	money	money	NOUN
fsr-3324	353	6	from	from	ADP
fsr-3324	353	7	one	one	NUM
fsr-3324	353	8	source	source	NOUN
fsr-3324	353	9	will	will	AUX
fsr-3324	353	10	go	go	VERB
fsr-3324	353	11	to	to	ADP
fsr-3324	353	12	one	one	NUM
fsr-3324	353	13	set	set	NOUN
fsr-3324	353	14	of	of	ADP
fsr-3324	353	15	bills	bill	NOUN
fsr-3324	353	16	,	,	PUNCT
fsr-3324	353	17	and	and	CCONJ
fsr-3324	353	18	money	money	NOUN
fsr-3324	353	19	from	from	ADP
fsr-3324	353	20	another	another	PRON
fsr-3324	353	21	will	will	AUX
fsr-3324	353	22	go	go	VERB
fsr-3324	353	23	to	to	ADP
fsr-3324	353	24	savings	saving	NOUN
fsr-3324	353	25	or	or	CCONJ
fsr-3324	353	26	another	another	DET
fsr-3324	353	27	set	set	NOUN
fsr-3324	353	28	of	of	ADP
fsr-3324	353	29	bills	bill	NOUN
fsr-3324	353	30	.	.	PUNCT
fsr-3324	354	1	it	it	PRON
fsr-3324	354	2	appears	appear	VERB
fsr-3324	354	3	that	that	SCONJ
fsr-3324	354	4	they	they	PRON
fsr-3324	354	5	do	do	VERB
fsr-3324	354	6	not	not	PART
fsr-3324	354	7	.	.	PUNCT
fsr-3324	355	1	it	it	PRON
fsr-3324	355	2	appears	appear	VERB
fsr-3324	355	3	that	that	SCONJ
fsr-3324	355	4	often	often	ADV
fsr-3324	355	5	,	,	PUNCT
fsr-3324	355	6	but	but	CCONJ
fsr-3324	355	7	not	not	PART
fsr-3324	355	8	always	always	ADV
fsr-3324	355	9	,	,	PUNCT
fsr-3324	355	10	they	they	PRON
fsr-3324	355	11	mix	mix	VERB
fsr-3324	355	12	their	their	PRON
fsr-3324	355	13	revenues	revenue	NOUN
fsr-3324	355	14	together	together	ADV
fsr-3324	355	15	,	,	PUNCT
fsr-3324	355	16	and	and	CCONJ
fsr-3324	355	17	then	then	ADV
fsr-3324	355	18	decide	decide	VERB
fsr-3324	355	19	how	how	SCONJ
fsr-3324	355	20	to	to	PART
fsr-3324	355	21	allocate	allocate	VERB
fsr-3324	355	22	the	the	DET
fsr-3324	355	23	mixed	mixed	ADJ
fsr-3324	355	24	pool	pool	NOUN
fsr-3324	355	25	of	of	ADP
fsr-3324	355	26	money	money	NOUN
fsr-3324	355	27	.	.	PUNCT
fsr-3324	356	1	that	that	PRON
fsr-3324	356	2	is	be	AUX
fsr-3324	356	3	,	,	PUNCT
fsr-3324	356	4	people	people	NOUN
fsr-3324	356	5	tend	tend	VERB
fsr-3324	356	6	to	to	PART
fsr-3324	356	7	be	be	AUX
fsr-3324	356	8	neoclassical	neoclassical	ADJ
fsr-3324	356	9	,	,	PUNCT
fsr-3324	356	10	but	but	CCONJ
fsr-3324	356	11	not	not	PART
fsr-3324	356	12	rigidly	rigidly	ADV
fsr-3324	356	13	neoclassical	neoclassical	ADJ
fsr-3324	356	14	when	when	SCONJ
fsr-3324	356	15	making	make	VERB
fsr-3324	356	16	revenue	revenue	NOUN
fsr-3324	356	17	decisions	decision	NOUN
fsr-3324	356	18	,	,	PUNCT
fsr-3324	356	19	and	and	CCONJ
fsr-3324	356	20	follow	follow	VERB
fsr-3324	356	21	behavioral	behavioral	ADJ
fsr-3324	356	22	economics	economic	NOUN
fsr-3324	356	23	when	when	SCONJ
fsr-3324	356	24	making	make	VERB
fsr-3324	356	25	expenditure	expenditure	NOUN
fsr-3324	356	26	decisions	decision	NOUN
fsr-3324	356	27	.	.	PUNCT
fsr-3324	357	1	finding	find	VERB
fsr-3324	357	2	a	a	DET
fsr-3324	357	3	balance	balance	NOUN
fsr-3324	357	4	between	between	ADP
fsr-3324	357	5	competing	compete	VERB
fsr-3324	357	6	theories	theory	NOUN
fsr-3324	357	7	materially	materially	ADV
fsr-3324	357	8	adds	add	VERB
fsr-3324	357	9	to	to	ADP
fsr-3324	357	10	current	current	ADJ
fsr-3324	357	11	literature	literature	NOUN
fsr-3324	357	12	.	.	PUNCT
fsr-3324	358	1	that	that	SCONJ
fsr-3324	358	2	the	the	DET
fsr-3324	358	3	answer	answer	NOUN
fsr-3324	358	4	to	to	ADP
fsr-3324	358	5	whether	whether	SCONJ
fsr-3324	358	6	the	the	DET
fsr-3324	358	7	source	source	NOUN
fsr-3324	358	8	matters	matter	NOUN
fsr-3324	358	9	seems	seem	VERB
fsr-3324	358	10	to	to	PART
fsr-3324	358	11	be	be	AUX
fsr-3324	358	12	“	"	PUNCT
fsr-3324	358	13	sometimes	sometimes	ADV
fsr-3324	358	14	,	,	PUNCT
fsr-3324	358	15	”	"	PUNCT
fsr-3324	358	16	and	and	CCONJ
fsr-3324	358	17	is	be	AUX
fsr-3324	358	18	itself	itself	PRON
fsr-3324	358	19	important	important	ADJ
fsr-3324	358	20	and	and	CCONJ
fsr-3324	358	21	an	an	DET
fsr-3324	358	22	opportunity	opportunity	NOUN
fsr-3324	358	23	for	for	ADP
fsr-3324	358	24	more	more	ADV
fsr-3324	358	25	nuanced	nuanced	ADJ
fsr-3324	358	26	study	study	NOUN
fsr-3324	358	27	.	.	PUNCT
fsr-3324	359	1	7	7	X
fsr-3324	359	2	.	.	NUM
fsr-3324	359	3	limitations	limitation	NOUN
fsr-3324	359	4	and	and	CCONJ
fsr-3324	359	5	further	further	ADJ
fsr-3324	359	6	research	research	NOUN
fsr-3324	359	7	more	more	ADV
fsr-3324	359	8	nuanced	nuanced	ADJ
fsr-3324	359	9	studies	study	NOUN
fsr-3324	359	10	could	could	AUX
fsr-3324	359	11	include	include	VERB
fsr-3324	359	12	:	:	PUNCT
fsr-3324	359	13	which	which	PRON
fsr-3324	359	14	people	people	NOUN
fsr-3324	359	15	are	be	AUX
fsr-3324	359	16	more	more	ADV
fsr-3324	359	17	likely	likely	ADJ
fsr-3324	359	18	to	to	PART
fsr-3324	359	19	affectively	affectively	ADV
fsr-3324	359	20	tag	tag	VERB
fsr-3324	359	21	income	income	NOUN
fsr-3324	359	22	,	,	PUNCT
fsr-3324	359	23	what	what	DET
fsr-3324	359	24	kind	kind	NOUN
fsr-3324	359	25	of	of	ADP
fsr-3324	359	26	affective	affective	ADJ
fsr-3324	359	27	tags	tag	NOUN
fsr-3324	359	28	are	be	AUX
fsr-3324	359	29	assigned	assign	VERB
fsr-3324	359	30	,	,	PUNCT
fsr-3324	359	31	at	at	ADP
fsr-3324	359	32	what	what	DET
fsr-3324	359	33	point	point	NOUN
fsr-3324	359	34	(	(	PUNCT
fsr-3324	359	35	notice	notice	NOUN
fsr-3324	359	36	,	,	PUNCT
fsr-3324	359	37	receipt	receipt	NOUN
fsr-3324	359	38	,	,	PUNCT
fsr-3324	359	39	sometime	sometime	ADV
fsr-3324	359	40	in	in	ADP
fsr-3324	359	41	between	between	ADP
fsr-3324	359	42	)	)	PUNCT
fsr-3324	359	43	are	be	AUX
fsr-3324	359	44	affective	affective	ADJ
fsr-3324	359	45	tags	tag	NOUN
fsr-3324	359	46	assigned	assign	VERB
fsr-3324	359	47	,	,	PUNCT
fsr-3324	359	48	are	be	AUX
fsr-3324	359	49	affective	affective	ADJ
fsr-3324	359	50	tags	tag	NOUN
fsr-3324	359	51	limited	limit	VERB
fsr-3324	359	52	to	to	ADP
fsr-3324	359	53	certain	certain	ADJ
fsr-3324	359	54	kinds	kind	NOUN
fsr-3324	359	55	of	of	ADP
fsr-3324	359	56	income	income	NOUN
fsr-3324	359	57	,	,	PUNCT
fsr-3324	359	58	or	or	CCONJ
fsr-3324	359	59	also	also	ADV
fsr-3324	359	60	expenses	expense	NOUN
fsr-3324	359	61	,	,	PUNCT
fsr-3324	359	62	and	and	CCONJ
fsr-3324	359	63	what	what	DET
fsr-3324	359	64	factors	factor	NOUN
fsr-3324	359	65	influence	influence	VERB
fsr-3324	359	66	whether	whether	SCONJ
fsr-3324	359	67	a	a	DET
fsr-3324	359	68	tag	tag	NOUN
fsr-3324	359	69	is	be	AUX
fsr-3324	359	70	assigned	assign	VERB
fsr-3324	359	71	at	at	ADV
fsr-3324	359	72	all	all	ADV
fsr-3324	359	73	?	?	PUNCT
fsr-3324	360	1	these	these	DET
fsr-3324	360	2	studies	study	NOUN
fsr-3324	360	3	are	be	AUX
fsr-3324	360	4	warranted	warrant	VERB
fsr-3324	360	5	,	,	PUNCT
fsr-3324	360	6	but	but	CCONJ
fsr-3324	360	7	they	they	PRON
fsr-3324	360	8	are	be	AUX
fsr-3324	360	9	extensive	extensive	ADJ
fsr-3324	360	10	and	and	CCONJ
fsr-3324	360	11	left	leave	VERB
fsr-3324	360	12	for	for	ADP
fsr-3324	360	13	further	further	ADJ
fsr-3324	360	14	research	research	NOUN
fsr-3324	360	15	.	.	PUNCT
fsr-3324	361	1	the	the	DET
fsr-3324	361	2	effect	effect	NOUN
fsr-3324	361	3	of	of	ADP
fsr-3324	361	4	these	these	DET
fsr-3324	361	5	tags	tag	NOUN
fsr-3324	361	6	are	be	AUX
fsr-3324	361	7	also	also	ADV
fsr-3324	361	8	left	leave	VERB
fsr-3324	361	9	for	for	ADP
fsr-3324	361	10	further	further	ADJ
fsr-3324	361	11	study	study	NOUN
fsr-3324	361	12	.	.	PUNCT
fsr-3324	362	1	for	for	ADP
fsr-3324	362	2	example	example	NOUN
fsr-3324	362	3	,	,	PUNCT
fsr-3324	362	4	from	from	ADP
fsr-3324	362	5	a	a	DET
fsr-3324	362	6	macroeconomic	macroeconomic	ADJ
fsr-3324	362	7	standpoint	standpoint	NOUN
fsr-3324	362	8	,	,	PUNCT
fsr-3324	362	9	what	what	DET
fsr-3324	362	10	effect	effect	NOUN
fsr-3324	362	11	on	on	ADP
fsr-3324	362	12	amount	amount	NOUN
fsr-3324	362	13	saved	save	VERB
fsr-3324	362	14	does	do	VERB
fsr-3324	362	15	an	an	DET
fsr-3324	362	16	ordinary	ordinary	ADJ
fsr-3324	362	17	income	income	NOUN
fsr-3324	362	18	pay	pay	NOUN
fsr-3324	362	19	structure	structure	NOUN
fsr-3324	362	20	have	have	VERB
fsr-3324	362	21	versus	versus	ADP
fsr-3324	362	22	a	a	DET
fsr-3324	362	23	lower	low	ADJ
fsr-3324	362	24	ordinary	ordinary	ADJ
fsr-3324	362	25	income	income	NOUN
fsr-3324	362	26	plus	plus	CCONJ
fsr-3324	362	27	a	a	DET
fsr-3324	362	28	bonus	bonus	NOUN
fsr-3324	362	29	structure	structure	NOUN
fsr-3324	362	30	that	that	PRON
fsr-3324	362	31	keeps	keep	VERB
fsr-3324	362	32	total	total	ADJ
fsr-3324	362	33	compensation	compensation	NOUN
fsr-3324	362	34	equal	equal	ADJ
fsr-3324	362	35	with	with	ADP
fsr-3324	362	36	the	the	DET
fsr-3324	362	37	alternative	alternative	NOUN
fsr-3324	362	38	?	?	PUNCT
fsr-3324	363	1	as	as	SCONJ
fsr-3324	363	2	the	the	DET
fsr-3324	363	3	baby	baby	NOUN
fsr-3324	363	4	boomer	boomer	NOUN
fsr-3324	363	5	generation	generation	NOUN
fsr-3324	363	6	dies	die	VERB
fsr-3324	363	7	off	off	ADV
fsr-3324	363	8	,	,	PUNCT
fsr-3324	363	9	what	what	DET
fsr-3324	363	10	effect	effect	NOUN
fsr-3324	363	11	will	will	AUX
fsr-3324	363	12	additional	additional	ADJ
fsr-3324	363	13	inheritances	inheritance	NOUN
fsr-3324	363	14	have	have	VERB
fsr-3324	363	15	on	on	ADP
fsr-3324	363	16	spending	spending	NOUN
fsr-3324	363	17	versus	versus	ADP
fsr-3324	363	18	savings	saving	NOUN
fsr-3324	363	19	?	?	PUNCT
fsr-3324	364	1	what	what	DET
fsr-3324	364	2	role	role	NOUN
fsr-3324	364	3	might	might	AUX
fsr-3324	364	4	“	"	PUNCT
fsr-3324	364	5	fun	fun	VERB
fsr-3324	364	6	”	"	PUNCT
fsr-3324	364	7	play	play	NOUN
fsr-3324	364	8	in	in	ADP
fsr-3324	364	9	people	people	NOUN
fsr-3324	364	10	’s	’s	PART
fsr-3324	364	11	spending	spending	NOUN
fsr-3324	364	12	patterns	pattern	NOUN
fsr-3324	364	13	?	?	PUNCT
fsr-3324	365	1	is	be	AUX
fsr-3324	365	2	greater	great	ADJ
fsr-3324	365	3	personal	personal	ADJ
fsr-3324	365	4	control	control	NOUN
fsr-3324	365	5	in	in	ADP
fsr-3324	365	6	earnings	earning	NOUN
fsr-3324	365	7	a	a	DET
fsr-3324	365	8	factor	factor	NOUN
fsr-3324	365	9	in	in	ADP
fsr-3324	365	10	savings	saving	NOUN
fsr-3324	365	11	choices	choice	NOUN
fsr-3324	365	12	,	,	PUNCT
fsr-3324	365	13	such	such	ADJ
fsr-3324	365	14	as	as	ADP
fsr-3324	365	15	when	when	SCONJ
fsr-3324	365	16	one	one	PRON
fsr-3324	365	17	receives	receive	VERB
fsr-3324	365	18	an	an	DET
fsr-3324	365	19	earned	earn	VERB
fsr-3324	365	20	tax	tax	NOUN
fsr-3324	365	21	rebate	rebate	NOUN
fsr-3324	365	22	from	from	ADP
fsr-3324	365	23	the	the	DET
fsr-3324	365	24	withholding	withholding	NOUN
fsr-3324	365	25	that	that	PRON
fsr-3324	365	26	they	they	PRON
fsr-3324	365	27	established	establish	VERB
fsr-3324	365	28	versus	versus	ADP
fsr-3324	365	29	a	a	DET
fsr-3324	365	30	bonus	bonus	NOUN
fsr-3324	365	31	that	that	PRON
fsr-3324	365	32	is	be	AUX
fsr-3324	365	33	also	also	ADV
fsr-3324	365	34	earned	earn	VERB
fsr-3324	365	35	but	but	CCONJ
fsr-3324	365	36	more	more	ADV
fsr-3324	365	37	dependent	dependent	ADJ
fsr-3324	365	38	on	on	ADP
fsr-3324	365	39	employer	employer	NOUN
fsr-3324	365	40	discretion	discretion	NOUN
fsr-3324	365	41	?	?	PUNCT
fsr-3324	366	1	this	this	DET
fsr-3324	366	2	study	study	NOUN
fsr-3324	366	3	was	be	AUX
fsr-3324	366	4	conducted	conduct	VERB
fsr-3324	366	5	during	during	ADP
fsr-3324	366	6	a	a	DET
fsr-3324	366	7	time	time	NOUN
fsr-3324	366	8	when	when	SCONJ
fsr-3324	366	9	the	the	DET
fsr-3324	366	10	economy	economy	NOUN
fsr-3324	366	11	was	be	AUX
fsr-3324	366	12	recovering	recover	VERB
fsr-3324	366	13	from	from	ADP
fsr-3324	366	14	a	a	DET
fsr-3324	366	15	shock	shock	NOUN
fsr-3324	366	16	that	that	PRON
fsr-3324	366	17	was	be	AUX
fsr-3324	366	18	severe	severe	ADJ
fsr-3324	366	19	enough	enough	ADV
fsr-3324	366	20	to	to	PART
fsr-3324	366	21	disrupt	disrupt	VERB
fsr-3324	366	22	people	people	NOUN
fsr-3324	366	23	’s	’s	PART
fsr-3324	366	24	normal	normal	ADJ
fsr-3324	366	25	spending	spending	NOUN
fsr-3324	366	26	or	or	CCONJ
fsr-3324	366	27	savings	saving	NOUN
fsr-3324	366	28	habits	habit	NOUN
fsr-3324	366	29	.	.	PUNCT
fsr-3324	367	1	in	in	ADP
fsr-3324	367	2	more	more	ADV
fsr-3324	367	3	stable	stable	ADJ
fsr-3324	367	4	economic	economic	ADJ
fsr-3324	367	5	times	time	NOUN
fsr-3324	367	6	,	,	PUNCT
fsr-3324	367	7	results	result	NOUN
fsr-3324	367	8	may	may	AUX
fsr-3324	367	9	differ	differ	VERB
fsr-3324	367	10	.	.	PUNCT
fsr-3324	368	1	the	the	DET
fsr-3324	368	2	recession	recession	NOUN
fsr-3324	368	3	of	of	ADP
fsr-3324	368	4	2007–2008	2007–2008	NUM
fsr-3324	368	5	was	be	AUX
fsr-3324	368	6	the	the	DET
fsr-3324	368	7	worst	bad	ADJ
fsr-3324	368	8	since	since	SCONJ
fsr-3324	368	9	the	the	DET
fsr-3324	368	10	great	great	ADJ
fsr-3324	368	11	depression	depression	NOUN
fsr-3324	368	12	,	,	PUNCT
fsr-3324	368	13	and	and	CCONJ
fsr-3324	368	14	researchers	researcher	NOUN
fsr-3324	368	15	found	find	VERB
fsr-3324	368	16	that	that	SCONJ
fsr-3324	368	17	spending	spending	NOUN
fsr-3324	368	18	and	and	CCONJ
fsr-3324	368	19	saving	save	VERB
fsr-3324	368	20	behavior	behavior	NOUN
fsr-3324	368	21	changed	change	VERB
fsr-3324	368	22	dramatically	dramatically	ADV
fsr-3324	368	23	,	,	PUNCT
fsr-3324	368	24	perhaps	perhaps	ADV
fsr-3324	368	25	permanently	permanently	ADV
fsr-3324	368	26	(	(	PUNCT
fsr-3324	368	27	spencer	spencer	PROPN
fsr-3324	368	28	&	&	CCONJ
fsr-3324	368	29	chambers	chamber	NOUN
fsr-3324	368	30	,	,	PUNCT
fsr-3324	368	31	2012	2012	NUM
fsr-3324	368	32	)	)	PUNCT
fsr-3324	368	33	.	.	PUNCT
fsr-3324	369	1	further	further	ADJ
fsr-3324	369	2	study	study	VERB
fsr-3324	369	3	over	over	ADP
fsr-3324	369	4	many	many	ADJ
fsr-3324	369	5	years	year	NOUN
fsr-3324	369	6	is	be	AUX
fsr-3324	369	7	needed	need	VERB
fsr-3324	369	8	to	to	PART
fsr-3324	369	9	measure	measure	VERB
fsr-3324	369	10	the	the	DET
fsr-3324	369	11	long	long	ADJ
fsr-3324	369	12	-	-	PUNCT
fsr-3324	369	13	term	term	NOUN
fsr-3324	369	14	effects	effect	NOUN
fsr-3324	369	15	.	.	PUNCT
fsr-3324	370	1	the	the	DET
fsr-3324	370	2	different	different	ADJ
fsr-3324	370	3	sources	source	NOUN
fsr-3324	370	4	of	of	ADP
fsr-3324	370	5	the	the	DET
fsr-3324	370	6	funds	fund	NOUN
fsr-3324	370	7	yielded	yield	VERB
fsr-3324	370	8	some	some	DET
fsr-3324	370	9	significant	significant	ADJ
fsr-3324	370	10	differences	difference	NOUN
fsr-3324	370	11	,	,	PUNCT
fsr-3324	370	12	raising	raise	VERB
fsr-3324	370	13	more	more	ADJ
fsr-3324	370	14	questions	question	NOUN
fsr-3324	370	15	for	for	ADP
fsr-3324	370	16	further	further	ADJ
fsr-3324	370	17	study	study	NOUN
fsr-3324	370	18	.	.	PUNCT
fsr-3324	371	1	the	the	DET
fsr-3324	371	2	order	order	NOUN
fsr-3324	371	3	difference	difference	NOUN
fsr-3324	371	4	should	should	AUX
fsr-3324	371	5	also	also	ADV
fsr-3324	371	6	be	be	AUX
fsr-3324	371	7	investigated	investigate	VERB
fsr-3324	371	8	.	.	PUNCT
fsr-3324	372	1	when	when	SCONJ
fsr-3324	372	2	the	the	DET
fsr-3324	372	3	annual	annual	ADJ
fsr-3324	372	4	payment	payment	NOUN
fsr-3324	372	5	was	be	AUX
fsr-3324	372	6	viewed	view	VERB
fsr-3324	372	7	first	first	ADV
fsr-3324	372	8	,	,	PUNCT
fsr-3324	372	9	spending	spending	NOUN
fsr-3324	372	10	was	be	AUX
fsr-3324	372	11	higher	high	ADJ
fsr-3324	372	12	for	for	ADP
fsr-3324	372	13	the	the	DET
fsr-3324	372	14	monthly	monthly	ADJ
fsr-3324	372	15	sum	sum	NOUN
fsr-3324	372	16	.	.	PUNCT
fsr-3324	373	1	this	this	DET
fsr-3324	373	2	finding	finding	NOUN
fsr-3324	373	3	may	may	AUX
fsr-3324	373	4	have	have	VERB
fsr-3324	373	5	the	the	DET
fsr-3324	373	6	greatest	great	ADJ
fsr-3324	373	7	practical	practical	ADJ
fsr-3324	373	8	implication	implication	NOUN
fsr-3324	373	9	for	for	ADP
fsr-3324	373	10	those	those	PRON
fsr-3324	373	11	in	in	ADP
fsr-3324	373	12	the	the	DET
fsr-3324	373	13	financial	financial	ADJ
fsr-3324	373	14	planning	planning	NOUN
fsr-3324	373	15	arena	arena	NOUN
fsr-3324	373	16	.	.	PUNCT
fsr-3324	374	1	presenting	present	VERB
fsr-3324	374	2	clients	client	NOUN
fsr-3324	374	3	with	with	ADP
fsr-3324	374	4	annual	annual	ADJ
fsr-3324	374	5	values	value	NOUN
fsr-3324	374	6	308	308	NUM
fsr-3324	374	7	v.	v.	ADP
fsr-3324	374	8	chambers	chamber	NOUN
fsr-3324	374	9	et	et	PROPN
fsr-3324	374	10	al	al	PROPN
fsr-3324	374	11	.	.	PUNCT
fsr-3324	374	12	/	/	SYM
fsr-3324	374	13	financial	financial	ADJ
fsr-3324	374	14	services	service	NOUN
fsr-3324	374	15	review	review	VERB
fsr-3324	374	16	26	26	NUM
fsr-3324	374	17	(	(	PUNCT
fsr-3324	374	18	2017	2017	NUM
fsr-3324	374	19	)	)	PUNCT
fsr-3324	375	1	291–313	291–313	NUM
fsr-3324	375	2	(	(	PUNCT
fsr-3324	375	3	e.g.	e.g.	ADV
fsr-3324	375	4	,	,	PUNCT
fsr-3324	375	5	for	for	ADP
fsr-3324	375	6	retirement	retirement	NOUN
fsr-3324	375	7	income	income	NOUN
fsr-3324	375	8	)	)	PUNCT
fsr-3324	375	9	may	may	AUX
fsr-3324	375	10	entice	entice	VERB
fsr-3324	375	11	the	the	DET
fsr-3324	375	12	client	client	NOUN
fsr-3324	375	13	to	to	PART
fsr-3324	375	14	increase	increase	VERB
fsr-3324	375	15	current	current	ADJ
fsr-3324	375	16	spending	spending	NOUN
fsr-3324	375	17	compared	compare	VERB
fsr-3324	375	18	with	with	ADP
fsr-3324	375	19	providing	provide	VERB
fsr-3324	375	20	estimates	estimate	NOUN
fsr-3324	375	21	for	for	ADP
fsr-3324	375	22	monthly	monthly	ADJ
fsr-3324	375	23	income	income	NOUN
fsr-3324	375	24	.	.	PUNCT
fsr-3324	376	1	8	8	X
fsr-3324	376	2	.	.	X
fsr-3324	376	3	conclusion	conclusion	NOUN
fsr-3324	376	4	it	it	PRON
fsr-3324	376	5	is	be	AUX
fsr-3324	376	6	well	well	ADV
fsr-3324	376	7	-	-	PUNCT
fsr-3324	376	8	documented	document	VERB
fsr-3324	376	9	that	that	SCONJ
fsr-3324	376	10	people	people	NOUN
fsr-3324	376	11	use	use	VERB
fsr-3324	376	12	mental	mental	ADJ
fsr-3324	376	13	accounts	account	NOUN
fsr-3324	376	14	for	for	ADP
fsr-3324	376	15	budgeting	budget	VERB
fsr-3324	376	16	their	their	PRON
fsr-3324	376	17	savings	saving	NOUN
fsr-3324	376	18	and	and	CCONJ
fsr-3324	376	19	expenditures	expenditure	NOUN
fsr-3324	376	20	;	;	PUNCT
fsr-3324	376	21	and	and	CCONJ
fsr-3324	376	22	ample	ample	ADJ
fsr-3324	376	23	literature	literature	NOUN
fsr-3324	376	24	that	that	PRON
fsr-3324	376	25	suggests	suggest	VERB
fsr-3324	376	26	that	that	SCONJ
fsr-3324	376	27	income	income	NOUN
fsr-3324	376	28	may	may	AUX
fsr-3324	376	29	be	be	AUX
fsr-3324	376	30	segregated	segregate	VERB
fsr-3324	376	31	into	into	ADP
fsr-3324	376	32	different	different	ADJ
fsr-3324	376	33	mental	mental	ADJ
fsr-3324	376	34	accounts	account	NOUN
fsr-3324	376	35	according	accord	VERB
fsr-3324	376	36	to	to	ADP
fsr-3324	376	37	its	its	PRON
fsr-3324	376	38	source	source	NOUN
fsr-3324	376	39	(	(	PUNCT
fsr-3324	376	40	e.g.	e.g.	ADV
fsr-3324	376	41	,	,	PUNCT
fsr-3324	376	42	thaler	thaler	NOUN
fsr-3324	376	43	,	,	PUNCT
fsr-3324	376	44	1999	1999	NUM
fsr-3324	376	45	)	)	PUNCT
fsr-3324	376	46	.	.	PUNCT
fsr-3324	377	1	however	however	ADV
fsr-3324	377	2	,	,	PUNCT
fsr-3324	377	3	very	very	ADV
fsr-3324	377	4	little	little	ADJ
fsr-3324	377	5	has	have	AUX
fsr-3324	377	6	been	be	AUX
fsr-3324	377	7	published	publish	VERB
fsr-3324	377	8	on	on	ADP
fsr-3324	377	9	whether	whether	SCONJ
fsr-3324	377	10	income	income	NOUN
fsr-3324	377	11	from	from	ADP
fsr-3324	377	12	a	a	DET
fsr-3324	377	13	specific	specific	ADJ
fsr-3324	377	14	mental	mental	ADJ
fsr-3324	377	15	account	account	NOUN
fsr-3324	377	16	flows	flow	VERB
fsr-3324	377	17	directly	directly	ADV
fsr-3324	377	18	to	to	ADP
fsr-3324	377	19	saving	save	VERB
fsr-3324	377	20	,	,	PUNCT
fsr-3324	377	21	or	or	CCONJ
fsr-3324	377	22	instead	instead	ADV
fsr-3324	377	23	whether	whether	SCONJ
fsr-3324	377	24	income	income	NOUN
fsr-3324	377	25	from	from	ADP
fsr-3324	377	26	a	a	DET
fsr-3324	377	27	specific	specific	ADJ
fsr-3324	377	28	source	source	NOUN
fsr-3324	377	29	is	be	AUX
fsr-3324	377	30	comingled	comingle	VERB
fsr-3324	377	31	with	with	ADP
fsr-3324	377	32	income	income	NOUN
fsr-3324	377	33	from	from	ADP
fsr-3324	377	34	other	other	ADJ
fsr-3324	377	35	sources	source	NOUN
fsr-3324	377	36	and	and	CCONJ
fsr-3324	377	37	then	then	ADV
fsr-3324	377	38	the	the	DET
fsr-3324	377	39	combined	combine	VERB
fsr-3324	377	40	amount	amount	NOUN
fsr-3324	377	41	is	be	AUX
fsr-3324	377	42	allocated	allocate	VERB
fsr-3324	377	43	in	in	ADP
fsr-3324	377	44	to	to	ADP
fsr-3324	377	45	mental	mental	ADJ
fsr-3324	377	46	accounts	account	NOUN
fsr-3324	377	47	for	for	ADP
fsr-3324	377	48	savings	saving	NOUN
fsr-3324	377	49	and	and	CCONJ
fsr-3324	377	50	expenditures	expenditure	NOUN
fsr-3324	377	51	.	.	PUNCT
fsr-3324	378	1	the	the	DET
fsr-3324	378	2	results	result	NOUN
fsr-3324	378	3	of	of	ADP
fsr-3324	378	4	this	this	DET
fsr-3324	378	5	study	study	NOUN
fsr-3324	378	6	indicate	indicate	VERB
fsr-3324	378	7	that	that	SCONJ
fsr-3324	378	8	sometimes	sometimes	ADV
fsr-3324	378	9	income	income	NOUN
fsr-3324	378	10	appears	appear	VERB
fsr-3324	378	11	to	to	PART
fsr-3324	378	12	be	be	AUX
fsr-3324	378	13	affectively	affectively	ADV
fsr-3324	378	14	tagged	tag	VERB
fsr-3324	378	15	and	and	CCONJ
fsr-3324	378	16	flows	flow	VERB
fsr-3324	378	17	directly	directly	ADV
fsr-3324	378	18	to	to	ADP
fsr-3324	378	19	savings	saving	NOUN
fsr-3324	378	20	;	;	PUNCT
fsr-3324	378	21	other	other	ADJ
fsr-3324	378	22	times	time	NOUN
fsr-3324	378	23	it	it	PRON
fsr-3324	378	24	appears	appear	VERB
fsr-3324	378	25	to	to	PART
fsr-3324	378	26	be	be	AUX
fsr-3324	378	27	comingled	comingle	VERB
fsr-3324	378	28	with	with	ADP
fsr-3324	378	29	income	income	NOUN
fsr-3324	378	30	from	from	ADP
fsr-3324	378	31	other	other	ADJ
fsr-3324	378	32	sources	source	NOUN
fsr-3324	378	33	.	.	PUNCT
fsr-3324	379	1	while	while	SCONJ
fsr-3324	379	2	this	this	PRON
fsr-3324	379	3	is	be	AUX
fsr-3324	379	4	left	leave	VERB
fsr-3324	379	5	for	for	ADP
fsr-3324	379	6	further	further	ADJ
fsr-3324	379	7	study	study	NOUN
fsr-3324	379	8	,	,	PUNCT
fsr-3324	379	9	that	that	DET
fsr-3324	379	10	income	income	NOUN
fsr-3324	379	11	that	that	PRON
fsr-3324	379	12	has	have	VERB
fsr-3324	379	13	a	a	DET
fsr-3324	379	14	highly	highly	ADV
fsr-3324	379	15	emotional	emotional	ADJ
fsr-3324	379	16	or	or	CCONJ
fsr-3324	379	17	affective	affective	ADJ
fsr-3324	379	18	tag	tag	NOUN
fsr-3324	379	19	,	,	PUNCT
fsr-3324	379	20	like	like	ADP
fsr-3324	379	21	inheritances	inheritance	NOUN
fsr-3324	379	22	that	that	PRON
fsr-3324	379	23	can	can	AUX
fsr-3324	379	24	be	be	AUX
fsr-3324	379	25	associated	associate	VERB
fsr-3324	379	26	with	with	ADP
fsr-3324	379	27	love	love	NOUN
fsr-3324	379	28	and	and	CCONJ
fsr-3324	379	29	grief	grief	NOUN
fsr-3324	379	30	and	and	CCONJ
fsr-3324	379	31	game	game	NOUN
fsr-3324	379	32	shows	show	VERB
fsr-3324	379	33	that	that	PRON
fsr-3324	379	34	can	can	AUX
fsr-3324	379	35	be	be	AUX
fsr-3324	379	36	associated	associate	VERB
fsr-3324	379	37	with	with	ADP
fsr-3324	379	38	fun	fun	NOUN
fsr-3324	379	39	tend	tend	VERB
fsr-3324	379	40	to	to	PART
fsr-3324	379	41	be	be	AUX
fsr-3324	379	42	tagged	tag	VERB
fsr-3324	379	43	nearly	nearly	ADV
fsr-3324	379	44	instantly	instantly	ADV
fsr-3324	379	45	,	,	PUNCT
fsr-3324	379	46	whereas	whereas	SCONJ
fsr-3324	379	47	other	other	ADJ
fsr-3324	379	48	sources	source	NOUN
fsr-3324	379	49	of	of	ADP
fsr-3324	379	50	windfalls	windfall	NOUN
fsr-3324	379	51	associated	associate	VERB
fsr-3324	379	52	with	with	ADP
fsr-3324	379	53	less	less	ADJ
fsr-3324	379	54	affect	affect	NOUN
fsr-3324	379	55	tend	tend	VERB
fsr-3324	379	56	to	to	PART
fsr-3324	379	57	be	be	AUX
fsr-3324	379	58	comingled	comingle	VERB
fsr-3324	379	59	and	and	CCONJ
fsr-3324	379	60	spent	spend	VERB
fsr-3324	379	61	or	or	CCONJ
fsr-3324	379	62	saved	save	VERB
fsr-3324	379	63	more	more	ADV
fsr-3324	379	64	rationally	rationally	ADV
fsr-3324	379	65	.	.	PUNCT
fsr-3324	380	1	with	with	ADP
fsr-3324	380	2	a	a	DET
fsr-3324	380	3	better	well	ADJ
fsr-3324	380	4	understanding	understanding	NOUN
fsr-3324	380	5	the	the	DET
fsr-3324	380	6	process	process	NOUN
fsr-3324	380	7	of	of	ADP
fsr-3324	380	8	allocating	allocate	VERB
fsr-3324	380	9	money	money	NOUN
fsr-3324	380	10	to	to	ADP
fsr-3324	380	11	savings	saving	NOUN
fsr-3324	380	12	,	,	PUNCT
fsr-3324	380	13	and	and	CCONJ
fsr-3324	380	14	specifically	specifically	ADV
fsr-3324	380	15	,	,	PUNCT
fsr-3324	380	16	the	the	DET
fsr-3324	380	17	point	point	NOUN
fsr-3324	380	18	in	in	ADP
fsr-3324	380	19	the	the	DET
fsr-3324	380	20	process	process	NOUN
fsr-3324	380	21	at	at	ADP
fsr-3324	380	22	which	which	PRON
fsr-3324	380	23	individuals	individual	NOUN
fsr-3324	380	24	make	make	VERB
fsr-3324	380	25	that	that	DET
fsr-3324	380	26	allocation	allocation	NOUN
fsr-3324	380	27	,	,	PUNCT
fsr-3324	380	28	they	they	PRON
fsr-3324	380	29	can	can	AUX
fsr-3324	380	30	better	well	ADV
fsr-3324	380	31	understand	understand	VERB
fsr-3324	380	32	why	why	SCONJ
fsr-3324	380	33	they	they	PRON
fsr-3324	380	34	are	be	AUX
fsr-3324	380	35	(	(	PUNCT
fsr-3324	380	36	not	not	PART
fsr-3324	380	37	)	)	PUNCT
fsr-3324	380	38	meeting	meet	VERB
fsr-3324	380	39	their	their	PRON
fsr-3324	380	40	savings	saving	NOUN
fsr-3324	380	41	goals	goal	NOUN
fsr-3324	380	42	.	.	PUNCT
fsr-3324	381	1	agarwal	agarwal	PROPN
fsr-3324	381	2	and	and	CCONJ
fsr-3324	381	3	qian	qian	PROPN
fsr-3324	381	4	’s	’s	PART
fsr-3324	381	5	(	(	PUNCT
fsr-3324	381	6	2013	2013	NUM
fsr-3324	381	7	)	)	PUNCT
fsr-3324	381	8	study	study	NOUN
fsr-3324	381	9	found	find	VERB
fsr-3324	381	10	that	that	SCONJ
fsr-3324	381	11	spending	spending	NOUN
fsr-3324	381	12	began	begin	VERB
fsr-3324	381	13	as	as	ADV
fsr-3324	381	14	soon	soon	ADV
fsr-3324	381	15	as	as	SCONJ
fsr-3324	381	16	the	the	DET
fsr-3324	381	17	individual	individual	NOUN
fsr-3324	381	18	learned	learn	VERB
fsr-3324	381	19	of	of	ADP
fsr-3324	381	20	the	the	DET
fsr-3324	381	21	windfall	windfall	NOUN
fsr-3324	381	22	,	,	PUNCT
fsr-3324	381	23	but	but	CCONJ
fsr-3324	381	24	they	they	PRON
fsr-3324	381	25	did	do	AUX
fsr-3324	381	26	not	not	PART
fsr-3324	381	27	study	study	VERB
fsr-3324	381	28	all	all	PRON
fsr-3324	381	29	of	of	ADP
fsr-3324	381	30	these	these	DET
fsr-3324	381	31	types	type	NOUN
fsr-3324	381	32	of	of	ADP
fsr-3324	381	33	unexpected	unexpected	ADJ
fsr-3324	381	34	income	income	NOUN
fsr-3324	381	35	.	.	PUNCT
fsr-3324	382	1	as	as	SCONJ
fsr-3324	382	2	we	we	PRON
fsr-3324	382	3	better	well	ADV
fsr-3324	382	4	understand	understand	VERB
fsr-3324	382	5	how	how	SCONJ
fsr-3324	382	6	people	people	NOUN
fsr-3324	382	7	collectively	collectively	ADV
fsr-3324	382	8	allocate	allocate	VERB
fsr-3324	382	9	money	money	NOUN
fsr-3324	382	10	to	to	ADP
fsr-3324	382	11	savings	saving	NOUN
fsr-3324	382	12	,	,	PUNCT
fsr-3324	382	13	societies	society	NOUN
fsr-3324	382	14	can	can	AUX
fsr-3324	382	15	better	well	ADV
fsr-3324	382	16	predict	predict	VERB
fsr-3324	382	17	the	the	DET
fsr-3324	382	18	effects	effect	NOUN
fsr-3324	382	19	of	of	ADP
fsr-3324	382	20	different	different	ADJ
fsr-3324	382	21	types	type	NOUN
fsr-3324	382	22	of	of	ADP
fsr-3324	382	23	income	income	NOUN
fsr-3324	382	24	structures	structure	NOUN
fsr-3324	382	25	on	on	ADP
fsr-3324	382	26	societal	societal	ADJ
fsr-3324	382	27	goals	goal	NOUN
fsr-3324	382	28	,	,	PUNCT
fsr-3324	382	29	like	like	ADP
fsr-3324	382	30	how	how	SCONJ
fsr-3324	382	31	inheritances	inheritance	NOUN
fsr-3324	382	32	are	be	AUX
fsr-3324	382	33	likely	likely	ADJ
fsr-3324	382	34	to	to	PART
fsr-3324	382	35	be	be	AUX
fsr-3324	382	36	spent	spend	VERB
fsr-3324	382	37	or	or	CCONJ
fsr-3324	382	38	saved	save	VERB
fsr-3324	382	39	with	with	ADP
fsr-3324	382	40	the	the	DET
fsr-3324	382	41	passing	passing	NOUN
fsr-3324	382	42	of	of	ADP
fsr-3324	382	43	the	the	DET
fsr-3324	382	44	baby	baby	NOUN
fsr-3324	382	45	boom	boom	NOUN
fsr-3324	382	46	generation	generation	NOUN
fsr-3324	382	47	.	.	PUNCT
fsr-3324	383	1	that	that	PRON
fsr-3324	383	2	is	be	AUX
fsr-3324	383	3	the	the	DET
fsr-3324	383	4	purpose	purpose	NOUN
fsr-3324	383	5	and	and	CCONJ
fsr-3324	383	6	importance	importance	NOUN
fsr-3324	383	7	of	of	ADP
fsr-3324	383	8	this	this	DET
fsr-3324	383	9	study	study	NOUN
fsr-3324	383	10	.	.	PUNCT
fsr-3324	384	1	appendix	appendix	NOUN
fsr-3324	384	2	:	:	PUNCT
fsr-3324	384	3	sample	sample	NOUN
fsr-3324	384	4	survey	survey	NOUN
fsr-3324	384	5	instrument	instrument	NOUN
fsr-3324	384	6	“	"	PUNCT
fsr-3324	384	7	what	what	PRON
fsr-3324	384	8	would	would	AUX
fsr-3324	384	9	you	you	PRON
fsr-3324	384	10	do	do	VERB
fsr-3324	384	11	if	if	PRON
fsr-3324	384	12	.	.	PUNCT
fsr-3324	384	13	.	.	PUNCT
fsr-3324	384	14	.	.	PUNCT
fsr-3324	384	15	?	?	PUNCT
fsr-3324	384	16	”	"	PUNCT
fsr-3324	385	1	(	(	PUNCT
fsr-3324	385	2	fill	fill	VERB
fsr-3324	385	3	in	in	ADP
fsr-3324	385	4	the	the	DET
fsr-3324	385	5	amounts	amount	NOUN
fsr-3324	385	6	):	):	PUNCT
fsr-3324	385	7	by	by	ADP
fsr-3324	385	8	participating	participate	VERB
fsr-3324	385	9	in	in	ADP
fsr-3324	385	10	a	a	DET
fsr-3324	385	11	game	game	NOUN
fsr-3324	385	12	show	show	NOUN
fsr-3324	385	13	,	,	PUNCT
fsr-3324	385	14	you	you	PRON
fsr-3324	385	15	won	win	VERB
fsr-3324	385	16	a	a	DET
fsr-3324	385	17	prize	prize	NOUN
fsr-3324	385	18	that	that	PRON
fsr-3324	385	19	would	would	AUX
fsr-3324	385	20	result	result	VERB
fsr-3324	385	21	in	in	ADP
fsr-3324	385	22	you	you	PRON
fsr-3324	385	23	receiving	receive	VERB
fsr-3324	385	24	$	$	SYM
fsr-3324	385	25	600.00	600.00	NUM
fsr-3324	385	26	for	for	ADP
fsr-3324	385	27	2012	2012	NUM
fsr-3324	385	28	.	.	PUNCT
fsr-3324	386	1	if	if	SCONJ
fsr-3324	386	2	received	receive	VERB
fsr-3324	386	3	,	,	PUNCT
fsr-3324	386	4	how	how	SCONJ
fsr-3324	386	5	much	much	ADJ
fsr-3324	386	6	of	of	ADP
fsr-3324	386	7	these	these	DET
fsr-3324	386	8	winnings	winning	NOUN
fsr-3324	386	9	would	would	AUX
fsr-3324	386	10	you	you	PRON
fsr-3324	386	11	plan	plan	VERB
fsr-3324	386	12	to	to	PART
fsr-3324	386	13	:	:	PUNCT
fsr-3324	386	14	1	1	X
fsr-3324	386	15	.	.	X
fsr-3324	386	16	invest	invest	VERB
fsr-3324	386	17	(	(	PUNCT
fsr-3324	386	18	in	in	ADP
fsr-3324	386	19	stocks	stock	NOUN
fsr-3324	386	20	,	,	PUNCT
fsr-3324	386	21	bonds	bond	NOUN
fsr-3324	386	22	,	,	PUNCT
fsr-3324	386	23	savings	saving	NOUN
fsr-3324	386	24	account	account	NOUN
fsr-3324	386	25	,	,	PUNCT
fsr-3324	386	26	and	and	CCONJ
fsr-3324	386	27	so	so	ADV
fsr-3324	386	28	forth	forth	ADV
fsr-3324	386	29	)	)	PUNCT
fsr-3324	386	30	?	?	PUNCT
fsr-3324	387	1	$	$	SYM
fsr-3324	387	2	2	2	NUM
fsr-3324	387	3	.	.	PUNCT
fsr-3324	387	4	use	use	NOUN
fsr-3324	387	5	to	to	PART
fsr-3324	387	6	pay	pay	VERB
fsr-3324	387	7	off	off	ADP
fsr-3324	387	8	credit	credit	NOUN
fsr-3324	387	9	card	card	NOUN
fsr-3324	387	10	debt	debt	NOUN
fsr-3324	387	11	?	?	PUNCT
fsr-3324	388	1	$	$	SYM
fsr-3324	388	2	3	3	NUM
fsr-3324	388	3	.	.	PUNCT
fsr-3324	388	4	use	use	NOUN
fsr-3324	388	5	to	to	PART
fsr-3324	388	6	pay	pay	VERB
fsr-3324	388	7	off	off	ADP
fsr-3324	388	8	notes	note	NOUN
fsr-3324	388	9	(	(	PUNCT
fsr-3324	388	10	such	such	ADJ
fsr-3324	388	11	as	as	ADP
fsr-3324	388	12	mortgage	mortgage	NOUN
fsr-3324	388	13	,	,	PUNCT
fsr-3324	388	14	car	car	NOUN
fsr-3324	388	15	note	note	NOUN
fsr-3324	388	16	,	,	PUNCT
fsr-3324	388	17	and	and	CCONJ
fsr-3324	388	18	so	so	ADV
fsr-3324	388	19	forth	forth	ADV
fsr-3324	388	20	)	)	PUNCT
fsr-3324	388	21	?	?	PUNCT
fsr-3324	389	1	$	$	SYM
fsr-3324	389	2	4	4	NUM
fsr-3324	389	3	.	.	PUNCT
fsr-3324	389	4	use	use	VERB
fsr-3324	389	5	up	up	ADP
fsr-3324	389	6	about	about	ADV
fsr-3324	389	7	evenly	evenly	ADV
fsr-3324	389	8	every	every	DET
fsr-3324	389	9	month	month	NOUN
fsr-3324	389	10	for	for	ADP
fsr-3324	389	11	expenses	expense	NOUN
fsr-3324	389	12	?	?	PUNCT
fsr-3324	390	1	_	_	PUNCT
fsr-3324	391	1	_	_	PUNCT
fsr-3324	392	1	_	_	PUNCT
fsr-3324	393	1	_	_	PUNCT
fsr-3324	394	1	_	_	PUNCT
fsr-3324	395	1	_	_	PUNCT
fsr-3324	395	2	/month	/month	NOUN
fsr-3324	395	3	.	.	PUNCT
fsr-3324	396	1	�	�	PROPN
fsr-3324	396	2	12	12	NUM
fsr-3324	396	3	months	month	NOUN
fsr-3324	396	4	.	.	PUNCT
fsr-3324	397	1	�	�	PROPN
fsr-3324	397	2	$	$	SYM
fsr-3324	397	3	5	5	NUM
fsr-3324	397	4	.	.	PUNCT
fsr-3324	398	1	use	use	NOUN
fsr-3324	398	2	to	to	PART
fsr-3324	398	3	buy	buy	VERB
fsr-3324	398	4	a	a	DET
fsr-3324	398	5	durable	durable	ADJ
fsr-3324	398	6	asset	asset	NOUN
fsr-3324	398	7	(	(	PUNCT
fsr-3324	398	8	such	such	ADJ
fsr-3324	398	9	as	as	ADP
fsr-3324	398	10	car	car	NOUN
fsr-3324	398	11	,	,	PUNCT
fsr-3324	398	12	boat	boat	NOUN
fsr-3324	398	13	,	,	PUNCT
fsr-3324	398	14	washing	washing	NOUN
fsr-3324	398	15	machine	machine	NOUN
fsr-3324	398	16	,	,	PUNCT
fsr-3324	398	17	furniture	furniture	NOUN
fsr-3324	398	18	)	)	PUNCT
fsr-3324	398	19	?	?	PUNCT
fsr-3324	399	1	$	$	SYM
fsr-3324	399	2	6	6	NUM
fsr-3324	399	3	.	.	PUNCT
fsr-3324	399	4	use	use	NOUN
fsr-3324	399	5	to	to	PART
fsr-3324	399	6	save	save	VERB
fsr-3324	399	7	for	for	ADP
fsr-3324	399	8	an	an	DET
fsr-3324	399	9	infrequent	infrequent	ADJ
fsr-3324	399	10	expense	expense	NOUN
fsr-3324	399	11	(	(	PUNCT
fsr-3324	399	12	such	such	ADJ
fsr-3324	399	13	as	as	ADP
fsr-3324	399	14	a	a	DET
fsr-3324	399	15	vacation	vacation	NOUN
fsr-3324	399	16	,	,	PUNCT
fsr-3324	399	17	bigger	big	ADJ
fsr-3324	399	18	holiday	holiday	NOUN
fsr-3324	399	19	gifts	gift	NOUN
fsr-3324	399	20	,	,	PUNCT
fsr-3324	399	21	or	or	CCONJ
fsr-3324	399	22	something	something	PRON
fsr-3324	399	23	you	you	PRON
fsr-3324	399	24	’ve	’ve	AUX
fsr-3324	399	25	been	be	AUX
fsr-3324	399	26	wanting	want	VERB
fsr-3324	399	27	)	)	PUNCT
fsr-3324	399	28	?	?	PUNCT
fsr-3324	400	1	$	$	SYM
fsr-3324	400	2	7	7	NUM
fsr-3324	400	3	.	.	PUNCT
fsr-3324	400	4	spend	spend	VERB
fsr-3324	400	5	right	right	ADV
fsr-3324	400	6	away	away	ADV
fsr-3324	400	7	on	on	ADP
fsr-3324	400	8	something	something	PRON
fsr-3324	400	9	fun	fun	ADJ
fsr-3324	400	10	?	?	PUNCT
fsr-3324	401	1	$	$	SYM
fsr-3324	401	2	amount	amount	NOUN
fsr-3324	401	3	must	must	AUX
fsr-3324	401	4	total	total	VERB
fsr-3324	401	5	$	$	SYM
fsr-3324	401	6	600.003	600.003	NUM
fsr-3324	401	7	if	if	SCONJ
fsr-3324	401	8	instead	instead	ADV
fsr-3324	401	9	,	,	PUNCT
fsr-3324	401	10	by	by	ADP
fsr-3324	401	11	participating	participate	VERB
fsr-3324	401	12	in	in	ADP
fsr-3324	401	13	a	a	DET
fsr-3324	401	14	game	game	NOUN
fsr-3324	401	15	show	show	NOUN
fsr-3324	401	16	,	,	PUNCT
fsr-3324	401	17	you	you	PRON
fsr-3324	401	18	won	win	VERB
fsr-3324	401	19	a	a	DET
fsr-3324	401	20	prize	prize	NOUN
fsr-3324	401	21	that	that	PRON
fsr-3324	401	22	would	would	AUX
fsr-3324	401	23	result	result	VERB
fsr-3324	401	24	in	in	ADP
fsr-3324	401	25	you	you	PRON
fsr-3324	401	26	receiving	receive	VERB
fsr-3324	401	27	$	$	SYM
fsr-3324	401	28	50.00	50.00	NUM
fsr-3324	401	29	/	/	SYM
fsr-3324	401	30	month	month	NOUN
fsr-3324	401	31	for	for	ADP
fsr-3324	401	32	the	the	DET
fsr-3324	401	33	next	next	ADJ
fsr-3324	401	34	12	12	NUM
fsr-3324	401	35	months	month	NOUN
fsr-3324	401	36	.	.	PUNCT
fsr-3324	402	1	309v	309v	NOUN
fsr-3324	402	2	.	.	PUNCT
fsr-3324	403	1	chambers	chamber	NOUN
fsr-3324	403	2	et	et	PROPN
fsr-3324	403	3	al	al	PROPN
fsr-3324	403	4	.	.	PUNCT
fsr-3324	403	5	/	/	SYM
fsr-3324	403	6	financial	financial	ADJ
fsr-3324	403	7	services	service	NOUN
fsr-3324	403	8	review	review	VERB
fsr-3324	403	9	26	26	NUM
fsr-3324	403	10	(	(	PUNCT
fsr-3324	403	11	2017	2017	NUM
fsr-3324	403	12	)	)	PUNCT
fsr-3324	404	1	291–313	291–313	NUM
fsr-3324	404	2	if	if	SCONJ
fsr-3324	404	3	received	receive	VERB
fsr-3324	404	4	,	,	PUNCT
fsr-3324	404	5	how	how	SCONJ
fsr-3324	404	6	much	much	ADJ
fsr-3324	404	7	of	of	ADP
fsr-3324	404	8	this	this	DET
fsr-3324	404	9	monthly	monthly	ADJ
fsr-3324	404	10	increase	increase	NOUN
fsr-3324	404	11	would	would	AUX
fsr-3324	404	12	you	you	PRON
fsr-3324	404	13	plan	plan	VERB
fsr-3324	404	14	to	to	PART
fsr-3324	404	15	:	:	PUNCT
fsr-3324	404	16	8	8	X
fsr-3324	404	17	.	.	X
fsr-3324	405	1	invest	invest	VERB
fsr-3324	405	2	(	(	PUNCT
fsr-3324	405	3	in	in	ADP
fsr-3324	405	4	stocks	stock	NOUN
fsr-3324	405	5	,	,	PUNCT
fsr-3324	405	6	bonds	bond	NOUN
fsr-3324	405	7	,	,	PUNCT
fsr-3324	405	8	savings	saving	NOUN
fsr-3324	405	9	account	account	NOUN
fsr-3324	405	10	,	,	PUNCT
fsr-3324	405	11	and	and	CCONJ
fsr-3324	405	12	so	so	ADV
fsr-3324	405	13	forth	forth	ADV
fsr-3324	405	14	)	)	PUNCT
fsr-3324	405	15	?	?	PUNCT
fsr-3324	406	1	$	$	SYM
fsr-3324	406	2	9	9	NUM
fsr-3324	406	3	.	.	PUNCT
fsr-3324	406	4	use	use	NOUN
fsr-3324	406	5	to	to	PART
fsr-3324	406	6	pay	pay	VERB
fsr-3324	406	7	off	off	ADP
fsr-3324	406	8	credit	credit	NOUN
fsr-3324	406	9	card	card	NOUN
fsr-3324	406	10	debt	debt	NOUN
fsr-3324	406	11	?	?	PUNCT
fsr-3324	406	12	$	$	SYM
fsr-3324	406	13	10	10	NUM
fsr-3324	406	14	.	.	PUNCT
fsr-3324	407	1	use	use	NOUN
fsr-3324	407	2	to	to	PART
fsr-3324	407	3	pay	pay	VERB
fsr-3324	407	4	off	off	ADP
fsr-3324	407	5	notes	note	NOUN
fsr-3324	407	6	(	(	PUNCT
fsr-3324	407	7	such	such	ADJ
fsr-3324	407	8	as	as	ADP
fsr-3324	407	9	mortgage	mortgage	NOUN
fsr-3324	407	10	,	,	PUNCT
fsr-3324	407	11	car	car	NOUN
fsr-3324	407	12	note	note	NOUN
fsr-3324	407	13	,	,	PUNCT
fsr-3324	407	14	and	and	CCONJ
fsr-3324	407	15	so	so	ADV
fsr-3324	407	16	forth	forth	ADV
fsr-3324	407	17	)	)	PUNCT
fsr-3324	407	18	?	?	PUNCT
fsr-3324	408	1	$	$	SYM
fsr-3324	408	2	11	11	NUM
fsr-3324	408	3	.	.	PUNCT
fsr-3324	409	1	use	use	VERB
fsr-3324	409	2	up	up	ADP
fsr-3324	409	3	for	for	ADP
fsr-3324	409	4	regular	regular	ADJ
fsr-3324	409	5	monthly	monthly	ADJ
fsr-3324	409	6	expenses	expense	NOUN
fsr-3324	409	7	?	?	PUNCT
fsr-3324	410	1	$	$	SYM
fsr-3324	410	2	12	12	NUM
fsr-3324	410	3	.	.	PUNCT
fsr-3324	411	1	use	use	NOUN
fsr-3324	411	2	to	to	PART
fsr-3324	411	3	buy	buy	VERB
fsr-3324	411	4	a	a	DET
fsr-3324	411	5	durable	durable	ADJ
fsr-3324	411	6	asset	asset	NOUN
fsr-3324	411	7	(	(	PUNCT
fsr-3324	411	8	such	such	ADJ
fsr-3324	411	9	as	as	ADP
fsr-3324	411	10	car	car	NOUN
fsr-3324	411	11	,	,	PUNCT
fsr-3324	411	12	boat	boat	NOUN
fsr-3324	411	13	,	,	PUNCT
fsr-3324	411	14	washing	washing	NOUN
fsr-3324	411	15	machine	machine	NOUN
fsr-3324	411	16	,	,	PUNCT
fsr-3324	411	17	furniture	furniture	NOUN
fsr-3324	411	18	)	)	PUNCT
fsr-3324	411	19	?	?	PUNCT
fsr-3324	412	1	$	$	SYM
fsr-3324	412	2	13	13	NUM
fsr-3324	412	3	.	.	PUNCT
fsr-3324	412	4	use	use	NOUN
fsr-3324	412	5	to	to	PART
fsr-3324	412	6	save	save	VERB
fsr-3324	412	7	for	for	ADP
fsr-3324	412	8	an	an	DET
fsr-3324	412	9	infrequent	infrequent	ADJ
fsr-3324	412	10	yearly	yearly	ADJ
fsr-3324	412	11	expense	expense	NOUN
fsr-3324	412	12	(	(	PUNCT
fsr-3324	412	13	such	such	ADJ
fsr-3324	412	14	as	as	ADP
fsr-3324	412	15	a	a	DET
fsr-3324	412	16	vacation	vacation	NOUN
fsr-3324	412	17	,	,	PUNCT
fsr-3324	412	18	bigger	big	ADJ
fsr-3324	412	19	holiday	holiday	NOUN
fsr-3324	412	20	gifts	gift	NOUN
fsr-3324	412	21	,	,	PUNCT
fsr-3324	412	22	and/or	and/or	CCONJ
fsr-3324	412	23	something	something	PRON
fsr-3324	412	24	you	you	PRON
fsr-3324	412	25	’ve	’ve	AUX
fsr-3324	412	26	been	be	AUX
fsr-3324	412	27	wanting	want	VERB
fsr-3324	412	28	)	)	PUNCT
fsr-3324	412	29	?	?	PUNCT
fsr-3324	413	1	$	$	SYM
fsr-3324	413	2	14	14	NUM
fsr-3324	413	3	.	.	PUNCT
fsr-3324	413	4	spend	spend	VERB
fsr-3324	413	5	right	right	ADV
fsr-3324	413	6	away	away	ADV
fsr-3324	413	7	on	on	ADP
fsr-3324	413	8	something	something	PRON
fsr-3324	413	9	fun	fun	ADJ
fsr-3324	413	10	?	?	PUNCT
fsr-3324	414	1	$	$	SYM
fsr-3324	414	2	amount	amount	NOUN
fsr-3324	414	3	must	must	AUX
fsr-3324	414	4	total	total	VERB
fsr-3324	414	5	$	$	SYM
fsr-3324	414	6	50.003	50.003	NUM
fsr-3324	414	7	please	please	INTJ
fsr-3324	414	8	list	list	VERB
fsr-3324	414	9	your	your	PRON
fsr-3324	414	10	:	:	PUNCT
fsr-3324	414	11	zip	zip	NOUN
fsr-3324	414	12	code	code	NOUN
fsr-3324	414	13	_	_	PUNCT
fsr-3324	415	1	_	_	PUNCT
fsr-3324	416	1	_	_	PUNCT
fsr-3324	417	1	_	_	PUNCT
fsr-3324	418	1	_	_	PUNCT
fsr-3324	419	1	_	_	PUNCT
fsr-3324	420	1	_	_	PUNCT
fsr-3324	421	1	_	_	PUNCT
fsr-3324	422	1	_	_	PUNCT
fsr-3324	423	1	_	_	PUNCT
fsr-3324	424	1	_	_	PUNCT
fsr-3324	425	1	_	_	PUNCT
fsr-3324	426	1	_	_	PUNCT
fsr-3324	427	1	_	_	PUNCT
fsr-3324	428	1	_	_	PUNCT
fsr-3324	428	2	years	year	NOUN
fsr-3324	428	3	of	of	ADP
fsr-3324	428	4	work	work	NOUN
fsr-3324	428	5	experience	experience	NOUN
fsr-3324	428	6	_	_	PUNCT
fsr-3324	429	1	_	_	PUNCT
fsr-3324	430	1	_	_	PUNCT
fsr-3324	431	1	_	_	PUNCT
fsr-3324	432	1	_	_	PUNCT
fsr-3324	433	1	_	_	PUNCT
fsr-3324	433	2	_	_	PUNCT
fsr-3324	434	1	highest	high	ADJ
fsr-3324	434	2	education	education	NOUN
fsr-3324	434	3	level	level	NOUN
fsr-3324	434	4	:	:	PUNCT
fsr-3324	434	5	high	high	ADJ
fsr-3324	434	6	school	school	NOUN
fsr-3324	434	7	_	_	PUNCT
fsr-3324	435	1	_	_	PUNCT
fsr-3324	435	2	_	_	PUNCT
fsr-3324	436	1	associate	associate	ADJ
fsr-3324	436	2	degree	degree	NOUN
fsr-3324	436	3	_	_	PUNCT
fsr-3324	437	1	_	_	PUNCT
fsr-3324	437	2	_	_	PUNCT
fsr-3324	438	1	undergraduate	undergraduate	VERB
fsr-3324	438	2	_	_	PUNCT
fsr-3324	439	1	_	_	PUNCT
fsr-3324	439	2	_	_	PUNCT
fsr-3324	439	3	graduate	graduate	ADJ
fsr-3324	439	4	or	or	CCONJ
fsr-3324	439	5	above	above	ADP
fsr-3324	439	6	_	_	PUNCT
fsr-3324	439	7	_	_	PUNCT
fsr-3324	440	1	_	_	PUNCT
fsr-3324	440	2	occupation	occupation	NOUN
fsr-3324	440	3	:	:	PUNCT
fsr-3324	441	1	_	_	PUNCT
fsr-3324	442	1	_	_	PUNCT
fsr-3324	443	1	_	_	PUNCT
fsr-3324	444	1	_	_	PUNCT
fsr-3324	445	1	_	_	PUNCT
fsr-3324	446	1	_	_	PUNCT
fsr-3324	447	1	_	_	PUNCT
fsr-3324	448	1	_	_	PUNCT
fsr-3324	449	1	_	_	PUNCT
fsr-3324	450	1	_	_	PUNCT
fsr-3324	451	1	_	_	PUNCT
fsr-3324	452	1	_	_	PUNCT
fsr-3324	453	1	_	_	PUNCT
fsr-3324	454	1	_	_	PUNCT
fsr-3324	455	1	_	_	PUNCT
fsr-3324	456	1	_	_	PUNCT
fsr-3324	457	1	_	_	PUNCT
fsr-3324	458	1	_	_	PRON
fsr-3324	459	1	gender	gender	NOUN
fsr-3324	459	2	:	:	PUNCT
fsr-3324	459	3	female	female	NOUN
fsr-3324	459	4	_	_	PUNCT
fsr-3324	460	1	_	_	PUNCT
fsr-3324	460	2	_	_	PUNCT
fsr-3324	461	1	male	male	ADJ
fsr-3324	462	1	_	_	PUNCT
fsr-3324	463	1	_	_	PUNCT
fsr-3324	463	2	_	_	PUNCT
fsr-3324	464	1	age	age	NOUN
fsr-3324	464	2	_	_	PUNCT
fsr-3324	465	1	_	_	PUNCT
fsr-3324	466	1	_	_	PUNCT
fsr-3324	466	2	_	_	PUNCT
fsr-3324	467	1	race	race	NOUN
fsr-3324	467	2	/	/	SYM
fsr-3324	467	3	ethnicity	ethnicity	NOUN
fsr-3324	467	4	_	_	PUNCT
fsr-3324	468	1	_	_	PUNCT
fsr-3324	469	1	_	_	PUNCT
fsr-3324	470	1	_	_	PUNCT
fsr-3324	471	1	_	_	PUNCT
fsr-3324	472	1	_	_	PUNCT
fsr-3324	473	1	_	_	PUNCT
fsr-3324	474	1	_	_	PUNCT
fsr-3324	475	1	_	_	PUNCT
fsr-3324	476	1	_	_	PUNCT
fsr-3324	477	1	_	_	PUNCT
fsr-3324	478	1	_	_	PUNCT
fsr-3324	479	1	_	_	PUNCT
fsr-3324	480	1	_	_	PUNCT
fsr-3324	481	1	_	_	PUNCT
fsr-3324	482	1	_	_	PUNCT
fsr-3324	483	1	_	_	PUNCT
fsr-3324	484	1	_	_	PUNCT
fsr-3324	485	1	_	_	PRON
fsr-3324	485	2	number	number	NOUN
fsr-3324	485	3	of	of	ADP
fsr-3324	485	4	college	college	NOUN
fsr-3324	485	5	-	-	PUNCT
fsr-3324	485	6	level	level	NOUN
fsr-3324	485	7	accounting	accounting	NOUN
fsr-3324	485	8	classes	class	NOUN
fsr-3324	485	9	completed	complete	VERB
fsr-3324	485	10	_	_	PUNCT
fsr-3324	486	1	_	_	PUNCT
fsr-3324	486	2	_	_	PUNCT
fsr-3324	487	1	college	college	NOUN
fsr-3324	487	2	major	major	ADJ
fsr-3324	487	3	(	(	PUNCT
fsr-3324	487	4	if	if	SCONJ
fsr-3324	487	5	applicable	applicable	ADJ
fsr-3324	487	6	)	)	PUNCT
fsr-3324	488	1	_	_	PUNCT
fsr-3324	489	1	_	_	PUNCT
fsr-3324	490	1	_	_	PUNCT
fsr-3324	491	1	_	_	PUNCT
fsr-3324	492	1	_	_	PUNCT
fsr-3324	493	1	_	_	PUNCT
fsr-3324	494	1	_	_	PUNCT
fsr-3324	495	1	_	_	PUNCT
fsr-3324	496	1	_	_	PUNCT
fsr-3324	497	1	_	_	PUNCT
fsr-3324	498	1	_	_	PUNCT
fsr-3324	499	1	_	_	PUNCT
fsr-3324	500	1	_	_	PUNCT
fsr-3324	501	1	_	_	PUNCT
fsr-3324	502	1	_	_	PUNCT
fsr-3324	503	1	_	_	PUNCT
fsr-3324	504	1	_	_	PUNCT
fsr-3324	505	1	_	_	PUNCT
fsr-3324	505	2	industry	industry	NOUN
fsr-3324	505	3	where	where	SCONJ
fsr-3324	505	4	you	you	PRON
fsr-3324	505	5	work	work	VERB
fsr-3324	505	6	_	_	PUNCT
fsr-3324	506	1	_	_	PUNCT
fsr-3324	507	1	_	_	PUNCT
fsr-3324	508	1	_	_	PUNCT
fsr-3324	509	1	_	_	PUNCT
fsr-3324	510	1	_	_	PUNCT
fsr-3324	511	1	_	_	PUNCT
fsr-3324	512	1	_	_	PUNCT
fsr-3324	513	1	_	_	PUNCT
fsr-3324	514	1	_	_	PUNCT
fsr-3324	515	1	_	_	PUNCT
fsr-3324	516	1	_	_	PUNCT
fsr-3324	517	1	_	_	PUNCT
fsr-3324	518	1	_	_	PUNCT
fsr-3324	519	1	_	_	PUNCT
fsr-3324	520	1	_	_	PUNCT
fsr-3324	521	1	_	_	PUNCT
fsr-3324	522	1	_	_	PUNCT
fsr-3324	523	1	_	_	PUNCT
fsr-3324	524	1	_	_	PUNCT
fsr-3324	525	1	_	_	PUNCT
fsr-3324	526	1	_	_	PUNCT
fsr-3324	527	1	_	_	PUNCT
fsr-3324	528	1	_	_	PUNCT
fsr-3324	529	1	_	_	PUNCT
fsr-3324	530	1	_	_	PUNCT
fsr-3324	531	1	_	_	PUNCT
fsr-3324	532	1	_	_	PUNCT
fsr-3324	533	1	_	_	PUNCT
fsr-3324	534	1	_	_	PUNCT
fsr-3324	535	1	approx	approx	PROPN
fsr-3324	535	2	.	.	PUNCT
fsr-3324	536	1	yearly	yearly	ADJ
fsr-3324	536	2	household	household	NOUN
fsr-3324	536	3	income	income	NOUN
fsr-3324	536	4	(	(	PUNCT
fsr-3324	536	5	from	from	ADP
fsr-3324	536	6	all	all	DET
fsr-3324	536	7	wage	wage	NOUN
fsr-3324	536	8	and	and	CCONJ
fsr-3324	536	9	salary	salary	NOUN
fsr-3324	536	10	earners	earner	NOUN
fsr-3324	536	11	and	and	CCONJ
fsr-3324	536	12	other	other	ADJ
fsr-3324	536	13	sources	source	NOUN
fsr-3324	536	14	of	of	ADP
fsr-3324	536	15	income	income	NOUN
fsr-3324	536	16	)	)	PUNCT
fsr-3324	536	17	$	$	SYM
fsr-3324	536	18	_	_	PUNCT
fsr-3324	537	1	_	_	PUNCT
fsr-3324	538	1	_	_	PUNCT
fsr-3324	539	1	_	_	PUNCT
fsr-3324	540	1	_	_	PUNCT
fsr-3324	541	1	_	_	PUNCT
fsr-3324	542	1	_	_	PUNCT
fsr-3324	543	1	_	_	PUNCT
fsr-3324	544	1	_	_	PUNCT
fsr-3324	545	1	_	_	PUNCT
fsr-3324	546	1	_	_	PUNCT
fsr-3324	547	1	_	_	PUNCT
fsr-3324	548	1	_	_	PUNCT
fsr-3324	549	1	_	_	PUNCT
fsr-3324	550	1	_	_	PUNCT
fsr-3324	551	1	_	_	PUNCT
fsr-3324	552	1	_	_	PUNCT
fsr-3324	553	1	_	_	PRON
fsr-3324	553	2	credit	credit	NOUN
fsr-3324	553	3	card	card	NOUN
fsr-3324	553	4	debt	debt	NOUN
fsr-3324	553	5	:	:	PUNCT
fsr-3324	554	1	$	$	SYM
fsr-3324	554	2	_	_	PUNCT
fsr-3324	555	1	_	_	PUNCT
fsr-3324	556	1	_	_	PUNCT
fsr-3324	557	1	_	_	PUNCT
fsr-3324	558	1	_	_	PUNCT
fsr-3324	559	1	_	_	PUNCT
fsr-3324	560	1	_	_	PUNCT
fsr-3324	561	1	_	_	PUNCT
fsr-3324	562	1	_	_	PUNCT
fsr-3324	563	1	_	_	PUNCT
fsr-3324	564	1	_	_	PUNCT
fsr-3324	565	1	_	_	PUNCT
fsr-3324	566	1	_	_	PUNCT
fsr-3324	567	1	_	_	PUNCT
fsr-3324	567	2	_	_	PUNCT
fsr-3324	568	1	other	other	ADJ
fsr-3324	568	2	debt	debt	NOUN
fsr-3324	568	3	:	:	PUNCT
fsr-3324	568	4	$	$	SYM
fsr-3324	568	5	_	_	PUNCT
fsr-3324	568	6	_	_	PUNCT
fsr-3324	569	1	_	_	PUNCT
fsr-3324	570	1	_	_	PUNCT
fsr-3324	571	1	_	_	PUNCT
fsr-3324	572	1	_	_	PUNCT
fsr-3324	573	1	_	_	PUNCT
fsr-3324	574	1	_	_	PUNCT
fsr-3324	575	1	_	_	PUNCT
fsr-3324	576	1	_	_	PUNCT
fsr-3324	577	1	_	_	PUNCT
fsr-3324	578	1	_	_	PUNCT
fsr-3324	579	1	_	_	PUNCT
fsr-3324	580	1	_	_	PUNCT
fsr-3324	581	1	_	_	PUNCT
fsr-3324	581	2	do	do	AUX
fsr-3324	581	3	you	you	PRON
fsr-3324	581	4	smoke	smoke	VERB
fsr-3324	581	5	?	?	PUNCT
fsr-3324	582	1	do	do	AUX
fsr-3324	582	2	you	you	PRON
fsr-3324	582	3	normally	normally	ADV
fsr-3324	582	4	wear	wear	VERB
fsr-3324	582	5	your	your	PRON
fsr-3324	582	6	seatbelt	seatbelt	NOUN
fsr-3324	582	7	?	?	PUNCT
fsr-3324	583	1	yes	yes	INTJ
fsr-3324	584	1	_	_	PUNCT
fsr-3324	585	1	_	_	PUNCT
fsr-3324	585	2	_	_	PUNCT
fsr-3324	586	1	no	no	PRON
fsr-3324	587	1	_	_	PUNCT
fsr-3324	588	1	_	_	PUNCT
fsr-3324	589	1	_	_	PUNCT
fsr-3324	590	1	when	when	SCONJ
fsr-3324	590	2	you	you	PRON
fsr-3324	590	3	normally	normally	ADV
fsr-3324	590	4	get	get	VERB
fsr-3324	590	5	“	"	PUNCT
fsr-3324	590	6	extra	extra	ADJ
fsr-3324	590	7	money	money	NOUN
fsr-3324	590	8	,	,	PUNCT
fsr-3324	590	9	”	"	PUNCT
fsr-3324	590	10	do	do	AUX
fsr-3324	590	11	you	you	PRON
fsr-3324	590	12	spend	spend	VERB
fsr-3324	590	13	it	it	PRON
fsr-3324	590	14	or	or	CCONJ
fsr-3324	590	15	save	save	VERB
fsr-3324	590	16	it	it	PRON
fsr-3324	590	17	?	?	PUNCT
fsr-3324	591	1	spend	spend	VERB
fsr-3324	591	2	_	_	PUNCT
fsr-3324	591	3	_	_	PUNCT
fsr-3324	592	1	_	_	PUNCT
fsr-3324	593	1	save	save	VERB
fsr-3324	593	2	_	_	PUNCT
fsr-3324	594	1	_	_	PUNCT
fsr-3324	595	1	_	_	PUNCT
fsr-3324	596	1	i	i	PRON
fsr-3324	596	2	rate	rate	VERB
fsr-3324	596	3	my	my	PRON
fsr-3324	596	4	level	level	NOUN
fsr-3324	596	5	of	of	ADP
fsr-3324	596	6	business	business	NOUN
fsr-3324	596	7	experience	experience	NOUN
fsr-3324	596	8	as	as	ADP
fsr-3324	596	9	:	:	PUNCT
fsr-3324	596	10	high	high	ADJ
fsr-3324	596	11	_	_	PUNCT
fsr-3324	597	1	_	_	PUNCT
fsr-3324	597	2	_	_	PUNCT
fsr-3324	598	1	fairly	fairly	ADV
fsr-3324	598	2	high	high	ADJ
fsr-3324	598	3	_	_	PUNCT
fsr-3324	599	1	_	_	PUNCT
fsr-3324	600	1	_	_	PUNCT
fsr-3324	600	2	moderate	moderate	ADJ
fsr-3324	600	3	_	_	PUNCT
fsr-3324	601	1	_	_	PUNCT
fsr-3324	601	2	_	_	PUNCT
fsr-3324	602	1	fairly	fairly	ADV
fsr-3324	602	2	low	low	ADJ
fsr-3324	602	3	_	_	PUNCT
fsr-3324	603	1	_	_	PUNCT
fsr-3324	603	2	_	_	PUNCT
fsr-3324	604	1	low	low	ADJ
fsr-3324	604	2	_	_	PUNCT
fsr-3324	605	1	_	_	PUNCT
fsr-3324	606	1	_	_	PUNCT
fsr-3324	607	1	none	none	NOUN
fsr-3324	607	2	_	_	PUNCT
fsr-3324	608	1	_	_	PUNCT
fsr-3324	608	2	_	_	PUNCT
fsr-3324	609	1	complete	complete	ADJ
fsr-3324	609	2	other	other	ADJ
fsr-3324	609	3	side	side	NOUN
fsr-3324	609	4	,	,	PUNCT
fsr-3324	609	5	please	please	INTJ
fsr-3324	609	6	.	.	PUNCT
fsr-3324	610	1	thank	thank	VERB
fsr-3324	610	2	you	you	PRON
fsr-3324	610	3	for	for	ADP
fsr-3324	610	4	your	your	PRON
fsr-3324	610	5	participation	participation	NOUN
fsr-3324	610	6	!	!	PUNCT
fsr-3324	610	7	!	!	PUNCT
fsr-3324	610	8	!	!	PUNCT
fsr-3324	611	1	“	"	PUNCT
fsr-3324	611	2	what	what	PRON
fsr-3324	611	3	would	would	AUX
fsr-3324	611	4	you	you	PRON
fsr-3324	611	5	do	do	VERB
fsr-3324	611	6	if	if	PRON
fsr-3324	611	7	.	.	PUNCT
fsr-3324	611	8	.	.	PUNCT
fsr-3324	611	9	.	.	PUNCT
fsr-3324	611	10	?	?	PUNCT
fsr-3324	611	11	”	"	PUNCT
fsr-3324	612	1	(	(	PUNCT
fsr-3324	612	2	fill	fill	VERB
fsr-3324	612	3	in	in	ADP
fsr-3324	612	4	the	the	DET
fsr-3324	612	5	amounts	amount	NOUN
fsr-3324	612	6	):	):	PUNCT
fsr-3324	612	7	you	you	PRON
fsr-3324	612	8	got	get	VERB
fsr-3324	612	9	a	a	DET
fsr-3324	612	10	bonus	bonus	NOUN
fsr-3324	612	11	at	at	ADP
fsr-3324	612	12	work	work	NOUN
fsr-3324	612	13	that	that	PRON
fsr-3324	612	14	would	would	AUX
fsr-3324	612	15	result	result	VERB
fsr-3324	612	16	in	in	ADP
fsr-3324	612	17	you	you	PRON
fsr-3324	612	18	receiving	receive	VERB
fsr-3324	612	19	$	$	SYM
fsr-3324	612	20	600.00	600.00	NUM
fsr-3324	612	21	which	which	PRON
fsr-3324	612	22	for	for	ADP
fsr-3324	612	23	2012	2012	NUM
fsr-3324	612	24	will	will	AUX
fsr-3324	612	25	automatically	automatically	ADV
fsr-3324	612	26	be	be	AUX
fsr-3324	612	27	mailed	mail	VERB
fsr-3324	612	28	to	to	ADP
fsr-3324	612	29	you	you	PRON
fsr-3324	612	30	as	as	ADP
fsr-3324	612	31	a	a	DET
fsr-3324	612	32	check	check	NOUN
fsr-3324	612	33	from	from	ADP
fsr-3324	612	34	your	your	PRON
fsr-3324	612	35	employer	employer	NOUN
fsr-3324	612	36	.	.	PUNCT
fsr-3324	613	1	if	if	SCONJ
fsr-3324	613	2	enacted	enact	VERB
fsr-3324	613	3	,	,	PUNCT
fsr-3324	613	4	how	how	SCONJ
fsr-3324	613	5	much	much	ADJ
fsr-3324	613	6	of	of	ADP
fsr-3324	613	7	this	this	DET
fsr-3324	613	8	monthly	monthly	ADJ
fsr-3324	613	9	increase	increase	NOUN
fsr-3324	613	10	would	would	AUX
fsr-3324	613	11	you	you	PRON
fsr-3324	613	12	plan	plan	VERB
fsr-3324	613	13	to	to	PART
fsr-3324	613	14	:	:	PUNCT
fsr-3324	613	15	15	15	X
fsr-3324	613	16	.	.	X
fsr-3324	614	1	invest	invest	VERB
fsr-3324	614	2	(	(	PUNCT
fsr-3324	614	3	in	in	ADP
fsr-3324	614	4	stocks	stock	NOUN
fsr-3324	614	5	,	,	PUNCT
fsr-3324	614	6	bonds	bond	NOUN
fsr-3324	614	7	,	,	PUNCT
fsr-3324	614	8	savings	saving	NOUN
fsr-3324	614	9	account	account	NOUN
fsr-3324	614	10	,	,	PUNCT
fsr-3324	614	11	and	and	CCONJ
fsr-3324	614	12	so	so	ADV
fsr-3324	614	13	forth	forth	ADV
fsr-3324	614	14	)	)	PUNCT
fsr-3324	614	15	?	?	PUNCT
fsr-3324	615	1	$	$	SYM
fsr-3324	615	2	16	16	NUM
fsr-3324	615	3	.	.	PUNCT
fsr-3324	616	1	use	use	NOUN
fsr-3324	616	2	to	to	PART
fsr-3324	616	3	pay	pay	VERB
fsr-3324	616	4	off	off	ADP
fsr-3324	616	5	credit	credit	NOUN
fsr-3324	616	6	card	card	NOUN
fsr-3324	616	7	debt	debt	NOUN
fsr-3324	616	8	?	?	PUNCT
fsr-3324	616	9	$	$	SYM
fsr-3324	616	10	17	17	NUM
fsr-3324	616	11	.	.	PUNCT
fsr-3324	617	1	use	use	NOUN
fsr-3324	617	2	to	to	PART
fsr-3324	617	3	pay	pay	VERB
fsr-3324	617	4	off	off	ADP
fsr-3324	617	5	notes	note	NOUN
fsr-3324	617	6	(	(	PUNCT
fsr-3324	617	7	such	such	ADJ
fsr-3324	617	8	as	as	ADP
fsr-3324	617	9	mortgage	mortgage	NOUN
fsr-3324	617	10	,	,	PUNCT
fsr-3324	617	11	car	car	NOUN
fsr-3324	617	12	note	note	NOUN
fsr-3324	617	13	,	,	PUNCT
fsr-3324	617	14	and	and	CCONJ
fsr-3324	617	15	so	so	ADV
fsr-3324	617	16	forth	forth	ADV
fsr-3324	617	17	)	)	PUNCT
fsr-3324	617	18	?	?	PUNCT
fsr-3324	618	1	$	$	SYM
fsr-3324	618	2	18	18	NUM
fsr-3324	618	3	.	.	PUNCT
fsr-3324	618	4	use	use	VERB
fsr-3324	618	5	up	up	ADP
fsr-3324	618	6	about	about	ADV
fsr-3324	618	7	evenly	evenly	ADV
fsr-3324	618	8	every	every	DET
fsr-3324	618	9	month	month	NOUN
fsr-3324	618	10	for	for	ADP
fsr-3324	618	11	expenses	expense	NOUN
fsr-3324	618	12	?	?	PUNCT
fsr-3324	619	1	_	_	PUNCT
fsr-3324	620	1	_	_	PUNCT
fsr-3324	621	1	_	_	PUNCT
fsr-3324	622	1	_	_	PUNCT
fsr-3324	623	1	_	_	PUNCT
fsr-3324	624	1	_	_	PUNCT
fsr-3324	624	2	/month	/month	NOUN
fsr-3324	624	3	.	.	PUNCT
fsr-3324	625	1	�	�	PROPN
fsr-3324	625	2	12	12	NUM
fsr-3324	625	3	months	month	NOUN
fsr-3324	625	4	.	.	PUNCT
fsr-3324	626	1	�	�	PROPN
fsr-3324	626	2	$	$	SYM
fsr-3324	626	3	19	19	NUM
fsr-3324	626	4	.	.	PUNCT
fsr-3324	627	1	use	use	NOUN
fsr-3324	627	2	to	to	PART
fsr-3324	627	3	buy	buy	VERB
fsr-3324	627	4	a	a	DET
fsr-3324	627	5	durable	durable	ADJ
fsr-3324	627	6	asset	asset	NOUN
fsr-3324	627	7	(	(	PUNCT
fsr-3324	627	8	such	such	ADJ
fsr-3324	627	9	as	as	ADP
fsr-3324	627	10	car	car	NOUN
fsr-3324	627	11	,	,	PUNCT
fsr-3324	627	12	boat	boat	NOUN
fsr-3324	627	13	,	,	PUNCT
fsr-3324	627	14	washing	washing	NOUN
fsr-3324	627	15	machine	machine	NOUN
fsr-3324	627	16	,	,	PUNCT
fsr-3324	627	17	furniture	furniture	NOUN
fsr-3324	627	18	)	)	PUNCT
fsr-3324	627	19	?	?	PUNCT
fsr-3324	628	1	$	$	SYM
fsr-3324	628	2	20	20	NUM
fsr-3324	628	3	.	.	PUNCT
fsr-3324	629	1	use	use	NOUN
fsr-3324	629	2	to	to	PART
fsr-3324	629	3	save	save	VERB
fsr-3324	629	4	for	for	ADP
fsr-3324	629	5	an	an	DET
fsr-3324	629	6	infrequent	infrequent	ADJ
fsr-3324	629	7	expense	expense	NOUN
fsr-3324	629	8	(	(	PUNCT
fsr-3324	629	9	such	such	ADJ
fsr-3324	629	10	as	as	ADP
fsr-3324	629	11	a	a	DET
fsr-3324	629	12	vacation	vacation	NOUN
fsr-3324	629	13	,	,	PUNCT
fsr-3324	629	14	bigger	big	ADJ
fsr-3324	629	15	holiday	holiday	NOUN
fsr-3324	629	16	gifts	gift	NOUN
fsr-3324	629	17	,	,	PUNCT
fsr-3324	629	18	or	or	CCONJ
fsr-3324	629	19	something	something	PRON
fsr-3324	629	20	you	you	PRON
fsr-3324	629	21	’ve	’ve	AUX
fsr-3324	629	22	been	be	AUX
fsr-3324	629	23	wanting	want	VERB
fsr-3324	629	24	)	)	PUNCT
fsr-3324	629	25	?	?	PUNCT
fsr-3324	630	1	$	$	SYM
fsr-3324	630	2	21	21	NUM
fsr-3324	630	3	.	.	PUNCT
fsr-3324	630	4	spend	spend	VERB
fsr-3324	630	5	right	right	ADV
fsr-3324	630	6	away	away	ADV
fsr-3324	630	7	on	on	ADP
fsr-3324	630	8	something	something	PRON
fsr-3324	630	9	fun	fun	ADJ
fsr-3324	630	10	?	?	PUNCT
fsr-3324	631	1	$	$	SYM
fsr-3324	631	2	amount	amount	NOUN
fsr-3324	631	3	must	must	AUX
fsr-3324	631	4	total	total	VERB
fsr-3324	631	5	$	$	SYM
fsr-3324	631	6	600.003	600.003	NUM
fsr-3324	631	7	another	another	DET
fsr-3324	631	8	work	work	NOUN
fsr-3324	631	9	bonus	bonus	NOUN
fsr-3324	631	10	would	would	AUX
fsr-3324	631	11	result	result	VERB
fsr-3324	631	12	in	in	ADP
fsr-3324	631	13	you	you	PRON
fsr-3324	631	14	receiving	receive	VERB
fsr-3324	631	15	$	$	SYM
fsr-3324	631	16	50.00	50.00	NUM
fsr-3324	631	17	/	/	SYM
fsr-3324	631	18	month	month	NOUN
fsr-3324	631	19	after	after	ADP
fsr-3324	631	20	taxes	taxis	NOUN
fsr-3324	631	21	;	;	PUNCT
fsr-3324	631	22	that	that	PRON
fsr-3324	631	23	is	is	ADV
fsr-3324	631	24	,	,	PUNCT
fsr-3324	631	25	your	your	PRON
fsr-3324	631	26	paychecks	paycheck	NOUN
fsr-3324	631	27	would	would	AUX
fsr-3324	631	28	go	go	VERB
fsr-3324	631	29	up	up	ADV
fsr-3324	631	30	$	$	SYM
fsr-3324	631	31	50.00	50.00	NUM
fsr-3324	631	32	/	/	SYM
fsr-3324	631	33	month	month	NOUN
fsr-3324	631	34	.	.	PUNCT
fsr-3324	632	1	if	if	SCONJ
fsr-3324	632	2	received	receive	VERB
fsr-3324	632	3	,	,	PUNCT
fsr-3324	632	4	how	how	SCONJ
fsr-3324	632	5	much	much	ADJ
fsr-3324	632	6	of	of	ADP
fsr-3324	632	7	this	this	DET
fsr-3324	632	8	monthly	monthly	ADJ
fsr-3324	632	9	increase	increase	NOUN
fsr-3324	632	10	would	would	AUX
fsr-3324	632	11	you	you	PRON
fsr-3324	632	12	plan	plan	VERB
fsr-3324	632	13	to	to	PART
fsr-3324	632	14	:	:	PUNCT
fsr-3324	632	15	22	22	X
fsr-3324	632	16	.	.	PUNCT
fsr-3324	633	1	invest	invest	VERB
fsr-3324	633	2	(	(	PUNCT
fsr-3324	633	3	in	in	ADP
fsr-3324	633	4	stocks	stock	NOUN
fsr-3324	633	5	,	,	PUNCT
fsr-3324	633	6	bonds	bond	NOUN
fsr-3324	633	7	,	,	PUNCT
fsr-3324	633	8	savings	saving	NOUN
fsr-3324	633	9	account	account	NOUN
fsr-3324	633	10	,	,	PUNCT
fsr-3324	633	11	and	and	CCONJ
fsr-3324	633	12	so	so	ADV
fsr-3324	633	13	forth	forth	ADV
fsr-3324	633	14	)	)	PUNCT
fsr-3324	633	15	?	?	PUNCT
fsr-3324	634	1	$	$	SYM
fsr-3324	634	2	23	23	NUM
fsr-3324	634	3	.	.	PUNCT
fsr-3324	635	1	use	use	NOUN
fsr-3324	635	2	to	to	PART
fsr-3324	635	3	pay	pay	VERB
fsr-3324	635	4	off	off	ADP
fsr-3324	635	5	credit	credit	NOUN
fsr-3324	635	6	card	card	NOUN
fsr-3324	635	7	debt	debt	NOUN
fsr-3324	635	8	?	?	PUNCT
fsr-3324	636	1	$	$	SYM
fsr-3324	636	2	24	24	NUM
fsr-3324	636	3	.	.	PUNCT
fsr-3324	636	4	use	use	NOUN
fsr-3324	636	5	to	to	PART
fsr-3324	636	6	pay	pay	VERB
fsr-3324	636	7	off	off	ADP
fsr-3324	636	8	notes	note	NOUN
fsr-3324	636	9	(	(	PUNCT
fsr-3324	636	10	such	such	ADJ
fsr-3324	636	11	as	as	ADP
fsr-3324	636	12	mortgage	mortgage	NOUN
fsr-3324	636	13	,	,	PUNCT
fsr-3324	636	14	car	car	NOUN
fsr-3324	636	15	note	note	NOUN
fsr-3324	636	16	,	,	PUNCT
fsr-3324	636	17	and	and	CCONJ
fsr-3324	636	18	so	so	ADV
fsr-3324	636	19	forth	forth	ADV
fsr-3324	636	20	)	)	PUNCT
fsr-3324	636	21	?	?	PUNCT
fsr-3324	637	1	$	$	SYM
fsr-3324	637	2	310	310	NUM
fsr-3324	637	3	v.	v.	ADP
fsr-3324	637	4	chambers	chamber	NOUN
fsr-3324	637	5	et	et	PROPN
fsr-3324	637	6	al	al	PROPN
fsr-3324	637	7	.	.	PUNCT
fsr-3324	637	8	/	/	SYM
fsr-3324	637	9	financial	financial	ADJ
fsr-3324	637	10	services	service	NOUN
fsr-3324	637	11	review	review	VERB
fsr-3324	637	12	26	26	NUM
fsr-3324	637	13	(	(	PUNCT
fsr-3324	637	14	2017	2017	NUM
fsr-3324	637	15	)	)	PUNCT
fsr-3324	638	1	291–313	291–313	NUM
fsr-3324	638	2	references	reference	NOUN
fsr-3324	638	3	abeler	abeler	NOUN
fsr-3324	638	4	,	,	PUNCT
fsr-3324	638	5	j.	j.	PROPN
fsr-3324	638	6	,	,	PUNCT
fsr-3324	638	7	&	&	CCONJ
fsr-3324	638	8	marklein	marklein	PROPN
fsr-3324	638	9	,	,	PUNCT
fsr-3324	638	10	f.	f.	PROPN
fsr-3324	638	11	(	(	PUNCT
fsr-3324	638	12	2008	2008	NUM
fsr-3324	638	13	)	)	PUNCT
fsr-3324	638	14	.	.	PUNCT
fsr-3324	639	1	fungibility	fungibility	NOUN
fsr-3324	639	2	,	,	PUNCT
fsr-3324	639	3	labels	label	NOUN
fsr-3324	639	4	,	,	PUNCT
fsr-3324	639	5	and	and	CCONJ
fsr-3324	639	6	consumption	consumption	NOUN
fsr-3324	639	7	.	.	PUNCT
fsr-3324	640	1	(	(	PUNCT
fsr-3324	640	2	available	available	ADJ
fsr-3324	640	3	at	at	ADP
fsr-3324	640	4	http://papers.ssrn.com/	http://papers.ssrn.com/	PROPN
fsr-3324	640	5	sol3	sol3	PROPN
fsr-3324	640	6	/	/	SYM
fsr-3324	640	7	papers.cfm?abstract_id	papers.cfm?abstract_id	PROPN
fsr-3324	640	8	�	�	PROPN
fsr-3324	640	9	1139870	1139870	NUM
fsr-3324	640	10	)	)	PUNCT
fsr-3324	640	11	agarwal	agarwal	PROPN
fsr-3324	640	12	,	,	PUNCT
fsr-3324	640	13	s.	s.	PROPN
fsr-3324	640	14	,	,	PUNCT
fsr-3324	640	15	&	&	CCONJ
fsr-3324	640	16	qian	qian	PROPN
fsr-3324	640	17	,	,	PUNCT
fsr-3324	640	18	w.	w.	PROPN
fsr-3324	640	19	(	(	PUNCT
fsr-3324	640	20	2013	2013	NUM
fsr-3324	640	21	)	)	PUNCT
fsr-3324	640	22	.	.	PUNCT
fsr-3324	641	1	consumption	consumption	NOUN
fsr-3324	641	2	and	and	CCONJ
fsr-3324	641	3	debt	debt	NOUN
fsr-3324	641	4	response	response	NOUN
fsr-3324	641	5	to	to	ADP
fsr-3324	641	6	unanticipated	unanticipated	ADJ
fsr-3324	641	7	income	income	NOUN
fsr-3324	641	8	shocks	shock	NOUN
fsr-3324	641	9	:	:	PUNCT
fsr-3324	641	10	evidence	evidence	NOUN
fsr-3324	641	11	from	from	ADP
fsr-3324	641	12	a	a	DET
fsr-3324	641	13	natural	natural	ADJ
fsr-3324	641	14	experiment	experiment	NOUN
fsr-3324	641	15	in	in	ADP
fsr-3324	641	16	singapore	singapore	PROPN
fsr-3324	641	17	.	.	PUNCT
fsr-3324	642	1	unpublished	unpublished	ADJ
fsr-3324	642	2	working	working	NOUN
fsr-3324	642	3	paper	paper	NOUN
fsr-3324	642	4	.	.	PUNCT
fsr-3324	643	1	national	national	PROPN
fsr-3324	643	2	university	university	PROPN
fsr-3324	643	3	of	of	ADP
fsr-3324	643	4	singapore	singapore	PROPN
fsr-3324	643	5	.	.	PUNCT
fsr-3324	644	1	arkes	arke	NOUN
fsr-3324	644	2	,	,	PUNCT
fsr-3324	644	3	h.	h.	PROPN
fsr-3324	644	4	r.	r.	PROPN
fsr-3324	644	5	,	,	PUNCT
fsr-3324	644	6	joyner	joyner	PROPN
fsr-3324	644	7	,	,	PUNCT
fsr-3324	644	8	c.	c.	PROPN
fsr-3324	644	9	a.	a.	PROPN
fsr-3324	644	10	,	,	PUNCT
fsr-3324	644	11	pezzo	pezzo	PROPN
fsr-3324	644	12	,	,	PUNCT
fsr-3324	644	13	m.	m.	NOUN
fsr-3324	644	14	v.	v.	PROPN
fsr-3324	644	15	,	,	PUNCT
fsr-3324	644	16	nash	nash	PROPN
fsr-3324	644	17	,	,	PUNCT
fsr-3324	644	18	j.	j.	PROPN
fsr-3324	644	19	g.	g.	PROPN
fsr-3324	644	20	,	,	PUNCT
fsr-3324	644	21	siegel	siegel	PROPN
fsr-3324	644	22	-	-	PUNCT
fsr-3324	644	23	jacobs	jacobs	PROPN
fsr-3324	644	24	,	,	PUNCT
fsr-3324	644	25	k.	k.	PROPN
fsr-3324	644	26	,	,	PUNCT
fsr-3324	644	27	&	&	CCONJ
fsr-3324	644	28	stone	stone	PROPN
fsr-3324	644	29	,	,	PUNCT
fsr-3324	644	30	e.	e.	PROPN
fsr-3324	644	31	(	(	PUNCT
fsr-3324	644	32	1994	1994	NUM
fsr-3324	644	33	)	)	PUNCT
fsr-3324	644	34	.	.	PUNCT
fsr-3324	645	1	the	the	DET
fsr-3324	645	2	psychology	psychology	NOUN
fsr-3324	645	3	of	of	ADP
fsr-3324	645	4	windfall	windfall	NOUN
fsr-3324	645	5	gains	gain	NOUN
fsr-3324	645	6	.	.	PUNCT
fsr-3324	646	1	organizational	organizational	ADJ
fsr-3324	646	2	behavior	behavior	NOUN
fsr-3324	646	3	and	and	CCONJ
fsr-3324	646	4	human	human	ADJ
fsr-3324	646	5	decision	decision	NOUN
fsr-3324	646	6	processes	process	NOUN
fsr-3324	646	7	,	,	PUNCT
fsr-3324	646	8	59	59	NUM
fsr-3324	646	9	,	,	PUNCT
fsr-3324	646	10	331–347	331–347	NUM
fsr-3324	646	11	.	.	PUNCT
fsr-3324	647	1	ashton	ashton	PROPN
fsr-3324	647	2	,	,	PUNCT
fsr-3324	647	3	r.	r.	PROPN
fsr-3324	647	4	h.	h.	PROPN
fsr-3324	647	5	,	,	PUNCT
fsr-3324	647	6	&	&	CCONJ
fsr-3324	647	7	kramer	kramer	PROPN
fsr-3324	647	8	,	,	PUNCT
fsr-3324	647	9	s.	s.	PROPN
fsr-3324	647	10	s.	s.	PROPN
fsr-3324	647	11	(	(	PUNCT
fsr-3324	647	12	1980	1980	NUM
fsr-3324	647	13	)	)	PUNCT
fsr-3324	647	14	.	.	PUNCT
fsr-3324	648	1	students	student	NOUN
fsr-3324	648	2	as	as	ADP
fsr-3324	648	3	surrogates	surrogate	NOUN
fsr-3324	648	4	in	in	ADP
fsr-3324	648	5	behavior	behavior	NOUN
fsr-3324	648	6	accounting	accounting	NOUN
fsr-3324	648	7	research	research	NOUN
fsr-3324	648	8	.	.	PUNCT
fsr-3324	649	1	journal	journal	NOUN
fsr-3324	649	2	of	of	ADP
fsr-3324	649	3	accounting	accounting	NOUN
fsr-3324	649	4	research	research	NOUN
fsr-3324	649	5	,	,	PUNCT
fsr-3324	649	6	18	18	NUM
fsr-3324	649	7	,	,	PUNCT
fsr-3324	649	8	1–15	1–15	PROPN
fsr-3324	649	9	.	.	PUNCT
fsr-3324	650	1	baker	baker	PROPN
fsr-3324	650	2	,	,	PUNCT
fsr-3324	650	3	m.	m.	NOUN
fsr-3324	650	4	,	,	PUNCT
fsr-3324	650	5	nagel	nagel	PROPN
fsr-3324	650	6	,	,	PUNCT
fsr-3324	650	7	s.	s.	PROPN
fsr-3324	650	8	,	,	PUNCT
fsr-3324	650	9	&	&	CCONJ
fsr-3324	650	10	wurgler	wurgler	PROPN
fsr-3324	650	11	,	,	PUNCT
fsr-3324	650	12	j.	j.	PROPN
fsr-3324	650	13	(	(	PUNCT
fsr-3324	650	14	2007	2007	NUM
fsr-3324	650	15	)	)	PUNCT
fsr-3324	650	16	.	.	PUNCT
fsr-3324	651	1	the	the	DET
fsr-3324	651	2	effect	effect	NOUN
fsr-3324	651	3	of	of	ADP
fsr-3324	651	4	dividends	dividend	NOUN
fsr-3324	651	5	on	on	ADP
fsr-3324	651	6	consumption	consumption	NOUN
fsr-3324	651	7	.	.	PUNCT
fsr-3324	652	1	brookings	brookings	PROPN
fsr-3324	652	2	papers	paper	NOUN
fsr-3324	652	3	on	on	ADP
fsr-3324	652	4	economic	economic	ADJ
fsr-3324	652	5	activity	activity	NOUN
fsr-3324	652	6	,	,	PUNCT
fsr-3324	652	7	1	1	NUM
fsr-3324	652	8	,	,	PUNCT
fsr-3324	652	9	231–276	231–276	NUM
fsr-3324	652	10	.	.	PUNCT
fsr-3324	652	11	baker	baker	PROPN
fsr-3324	652	12	,	,	PUNCT
fsr-3324	652	13	h.	h.	PROPN
fsr-3324	652	14	k.	k.	PROPN
fsr-3324	652	15	,	,	PUNCT
fsr-3324	652	16	&	&	CCONJ
fsr-3324	652	17	nofsinger	nofsinger	PROPN
fsr-3324	652	18	,	,	PUNCT
fsr-3324	652	19	j.	j.	PROPN
fsr-3324	652	20	r.	r.	PROPN
fsr-3324	652	21	(	(	PUNCT
fsr-3324	652	22	2002	2002	NUM
fsr-3324	652	23	)	)	PUNCT
fsr-3324	652	24	.	.	PUNCT
fsr-3324	653	1	psychological	psychological	ADJ
fsr-3324	653	2	biases	bias	NOUN
fsr-3324	653	3	of	of	ADP
fsr-3324	653	4	investors	investor	NOUN
fsr-3324	653	5	.	.	PUNCT
fsr-3324	654	1	financial	financial	ADJ
fsr-3324	654	2	services	service	NOUN
fsr-3324	654	3	review	review	PROPN
fsr-3324	654	4	,	,	PUNCT
fsr-3324	654	5	11	11	NUM
fsr-3324	654	6	,	,	PUNCT
fsr-3324	654	7	97–116	97–116	NUM
fsr-3324	654	8	.	.	PUNCT
fsr-3324	655	1	(	(	PUNCT
fsr-3324	655	2	available	available	ADJ
fsr-3324	655	3	at	at	ADP
fsr-3324	655	4	https://manowar.tamucc.edu/login?url�http://search.proquest.com/docview/212053247?accountid	https://manowar.tamucc.edu/login?url�http://search.proquest.com/docview/212053247?accountid	PROPN
fsr-3324	655	5	�	�	PROPN
fsr-3324	655	6	7084	7084	NUM
fsr-3324	655	7	)	)	PUNCT
fsr-3324	655	8	benjamin	benjamin	PROPN
fsr-3324	655	9	,	,	PUNCT
fsr-3324	655	10	d.	d.	PROPN
fsr-3324	655	11	j.	j.	PROPN
fsr-3324	655	12	(	(	PUNCT
fsr-3324	655	13	2006	2006	NUM
fsr-3324	655	14	)	)	PUNCT
fsr-3324	655	15	.	.	PUNCT
fsr-3324	656	1	psychology	psychology	NOUN
fsr-3324	656	2	,	,	PUNCT
fsr-3324	656	3	preferences	preference	NOUN
fsr-3324	656	4	,	,	PUNCT
fsr-3324	656	5	and	and	CCONJ
fsr-3324	656	6	markets	market	NOUN
fsr-3324	656	7	.	.	PUNCT
fsr-3324	657	1	(	(	PUNCT
fsr-3324	657	2	doctoral	doctoral	ADJ
fsr-3324	657	3	dissertation	dissertation	NOUN
fsr-3324	657	4	,	,	PUNCT
fsr-3324	657	5	harvard	harvard	PROPN
fsr-3324	657	6	university	university	PROPN
fsr-3324	657	7	.	.	PUNCT
fsr-3324	657	8	)	)	PUNCT
fsr-3324	658	1	blinder	blinder	NOUN
fsr-3324	658	2	,	,	PUNCT
fsr-3324	658	3	a.	a.	PROPN
fsr-3324	658	4	s.	s.	PROPN
fsr-3324	658	5	(	(	PUNCT
fsr-3324	658	6	1981	1981	NUM
fsr-3324	658	7	)	)	PUNCT
fsr-3324	658	8	.	.	PUNCT
fsr-3324	659	1	temporary	temporary	ADJ
fsr-3324	659	2	income	income	NOUN
fsr-3324	659	3	taxes	taxis	NOUN
fsr-3324	659	4	and	and	CCONJ
fsr-3324	659	5	consumer	consumer	NOUN
fsr-3324	659	6	spending	spending	NOUN
fsr-3324	659	7	.	.	PUNCT
fsr-3324	660	1	journal	journal	NOUN
fsr-3324	660	2	of	of	ADP
fsr-3324	660	3	political	political	ADJ
fsr-3324	660	4	economy	economy	NOUN
fsr-3324	660	5	,	,	PUNCT
fsr-3324	660	6	89	89	NUM
fsr-3324	660	7	,	,	PUNCT
fsr-3324	660	8	26–53	26–53	NUM
fsr-3324	660	9	.	.	PUNCT
fsr-3324	661	1	browning	browning	NOUN
fsr-3324	661	2	,	,	PUNCT
fsr-3324	661	3	m.	m.	NOUN
fsr-3324	661	4	,	,	PUNCT
fsr-3324	661	5	&	&	CCONJ
fsr-3324	661	6	collado	collado	PROPN
fsr-3324	661	7	,	,	PUNCT
fsr-3324	661	8	m.	m.	PROPN
fsr-3324	661	9	d.	d.	PROPN
fsr-3324	661	10	(	(	PUNCT
fsr-3324	661	11	2001	2001	NUM
fsr-3324	661	12	)	)	PUNCT
fsr-3324	661	13	.	.	PUNCT
fsr-3324	662	1	the	the	DET
fsr-3324	662	2	response	response	NOUN
fsr-3324	662	3	of	of	ADP
fsr-3324	662	4	expenditures	expenditure	NOUN
fsr-3324	662	5	to	to	ADP
fsr-3324	662	6	anticipated	anticipate	VERB
fsr-3324	662	7	income	income	NOUN
fsr-3324	662	8	changes	change	NOUN
fsr-3324	662	9	:	:	PUNCT
fsr-3324	662	10	panel	panel	NOUN
fsr-3324	662	11	data	datum	NOUN
fsr-3324	662	12	estimates	estimate	NOUN
fsr-3324	662	13	.	.	PUNCT
fsr-3324	663	1	the	the	DET
fsr-3324	663	2	american	american	PROPN
fsr-3324	663	3	economic	economic	PROPN
fsr-3324	663	4	review	review	PROPN
fsr-3324	663	5	,	,	PUNCT
fsr-3324	663	6	91	91	NUM
fsr-3324	663	7	,	,	PUNCT
fsr-3324	663	8	681–692	681–692	NUM
fsr-3324	663	9	.	.	PUNCT
fsr-3324	664	1	bodkin	bodkin	PROPN
fsr-3324	664	2	,	,	PUNCT
fsr-3324	664	3	r.	r.	PROPN
fsr-3324	664	4	(	(	PUNCT
fsr-3324	664	5	1959	1959	NUM
fsr-3324	664	6	)	)	PUNCT
fsr-3324	664	7	.	.	PUNCT
fsr-3324	665	1	windfall	windfall	NOUN
fsr-3324	665	2	income	income	NOUN
fsr-3324	665	3	and	and	CCONJ
fsr-3324	665	4	consumption	consumption	NOUN
fsr-3324	665	5	.	.	PUNCT
fsr-3324	666	1	the	the	DET
fsr-3324	666	2	american	american	PROPN
fsr-3324	666	3	economic	economic	PROPN
fsr-3324	666	4	review	review	PROPN
fsr-3324	666	5	,	,	PUNCT
fsr-3324	666	6	49	49	NUM
fsr-3324	666	7	,	,	PUNCT
fsr-3324	666	8	602–614	602–614	NUM
fsr-3324	666	9	.	.	PUNCT
fsr-3324	667	1	boylan	boylan	PROPN
fsr-3324	667	2	,	,	PUNCT
fsr-3324	667	3	s.	s.	PROPN
fsr-3324	667	4	(	(	PUNCT
fsr-3324	667	5	2010	2010	NUM
fsr-3324	667	6	)	)	PUNCT
fsr-3324	667	7	.	.	PUNCT
fsr-3324	668	1	prior	prior	ADJ
fsr-3324	668	2	audits	audits	NOUN
fsr-3324	668	3	and	and	CCONJ
fsr-3324	668	4	taxpayer	taxpayer	NOUN
fsr-3324	668	5	compliance	compliance	NOUN
fsr-3324	668	6	:	:	PUNCT
fsr-3324	668	7	experimental	experimental	ADJ
fsr-3324	668	8	evidence	evidence	NOUN
fsr-3324	668	9	on	on	ADP
fsr-3324	668	10	the	the	DET
fsr-3324	668	11	effect	effect	NOUN
fsr-3324	668	12	of	of	ADP
fsr-3324	668	13	earned	earn	VERB
fsr-3324	668	14	versus	versus	ADP
fsr-3324	668	15	endowed	endowed	ADJ
fsr-3324	668	16	income	income	NOUN
fsr-3324	668	17	.	.	PUNCT
fsr-3324	669	1	journal	journal	NOUN
fsr-3324	669	2	of	of	ADP
fsr-3324	669	3	the	the	DET
fsr-3324	669	4	american	american	PROPN
fsr-3324	669	5	taxation	taxation	PROPN
fsr-3324	669	6	association	association	PROPN
fsr-3324	669	7	,	,	PUNCT
fsr-3324	669	8	32	32	NUM
fsr-3324	669	9	,	,	PUNCT
fsr-3324	669	10	73–88	73–88	NUM
fsr-3324	669	11	.	.	PUNCT
fsr-3324	669	12	bradford	bradford	PROPN
fsr-3324	669	13	,	,	PUNCT
fsr-3324	669	14	t.	t.	PROPN
fsr-3324	669	15	w.	w.	PROPN
fsr-3324	669	16	(	(	PUNCT
fsr-3324	669	17	2008	2008	NUM
fsr-3324	669	18	)	)	PUNCT
fsr-3324	669	19	.	.	PUNCT
fsr-3324	670	1	intergenerationally	intergenerationally	ADV
fsr-3324	670	2	gifted	gifted	ADJ
fsr-3324	670	3	asset	asset	NOUN
fsr-3324	670	4	dispositions	disposition	NOUN
fsr-3324	670	5	.	.	PUNCT
fsr-3324	671	1	journal	journal	NOUN
fsr-3324	671	2	of	of	ADP
fsr-3324	671	3	consumer	consumer	NOUN
fsr-3324	671	4	research	research	NOUN
fsr-3324	671	5	,	,	PUNCT
fsr-3324	671	6	36	36	NUM
fsr-3324	671	7	,	,	PUNCT
fsr-3324	671	8	93–111	93–111	PROPN
fsr-3324	671	9	.	.	PUNCT
fsr-3324	672	1	bureau	bureau	PROPN
fsr-3324	672	2	of	of	ADP
fsr-3324	672	3	labor	labor	PROPN
fsr-3324	672	4	statistics	statistic	NOUN
fsr-3324	672	5	.	.	PUNCT
fsr-3324	673	1	(	(	PUNCT
fsr-3324	673	2	2016	2016	NUM
fsr-3324	673	3	)	)	PUNCT
fsr-3324	673	4	.	.	PUNCT
fsr-3324	674	1	databases	database	NOUN
fsr-3324	674	2	,	,	PUNCT
fsr-3324	674	3	tables	table	NOUN
fsr-3324	674	4	&	&	CCONJ
fsr-3324	674	5	calculators	calculator	NOUN
fsr-3324	674	6	by	by	ADP
fsr-3324	674	7	subject	subject	NOUN
fsr-3324	674	8	–	–	PUNCT
fsr-3324	674	9	cpi	cpi	NOUN
fsr-3324	674	10	inflation	inflation	NOUN
fsr-3324	674	11	calculator	calculator	NOUN
fsr-3324	674	12	.	.	PUNCT
fsr-3324	675	1	(	(	PUNCT
fsr-3324	675	2	available	available	ADJ
fsr-3324	675	3	at	at	ADP
fsr-3324	675	4	http://bls.gov/data/inflation_calculator.htm	http://bls.gov/data/inflation_calculator.htm	NOUN
fsr-3324	675	5	)	)	PUNCT
fsr-3324	675	6	camerer	camerer	NOUN
fsr-3324	675	7	,	,	PUNCT
fsr-3324	675	8	c.	c.	PROPN
fsr-3324	675	9	,	,	PUNCT
fsr-3324	675	10	babcock	babcock	PROPN
fsr-3324	675	11	,	,	PUNCT
fsr-3324	675	12	l.	l.	PROPN
fsr-3324	675	13	,	,	PUNCT
fsr-3324	675	14	loewenstein	loewenstein	PROPN
fsr-3324	675	15	,	,	PUNCT
fsr-3324	675	16	g.	g.	PROPN
fsr-3324	675	17	,	,	PUNCT
fsr-3324	675	18	&	&	CCONJ
fsr-3324	675	19	thaler	thaler	PROPN
fsr-3324	675	20	,	,	PUNCT
fsr-3324	675	21	r.	r.	PROPN
fsr-3324	675	22	(	(	PUNCT
fsr-3324	675	23	1997	1997	NUM
fsr-3324	675	24	)	)	PUNCT
fsr-3324	675	25	.	.	PUNCT
fsr-3324	676	1	labor	labor	NOUN
fsr-3324	676	2	supply	supply	NOUN
fsr-3324	676	3	of	of	ADP
fsr-3324	676	4	new	new	PROPN
fsr-3324	676	5	york	york	PROPN
fsr-3324	676	6	city	city	NOUN
fsr-3324	676	7	cabdrivers	cabdriver	NOUN
fsr-3324	676	8	:	:	PUNCT
fsr-3324	676	9	one	one	NUM
fsr-3324	676	10	day	day	NOUN
fsr-3324	676	11	at	at	ADP
fsr-3324	676	12	a	a	DET
fsr-3324	676	13	time	time	NOUN
fsr-3324	676	14	.	.	PUNCT
fsr-3324	677	1	quarterly	quarterly	ADJ
fsr-3324	677	2	journal	journal	NOUN
fsr-3324	677	3	of	of	ADP
fsr-3324	677	4	economics	economic	NOUN
fsr-3324	677	5	,	,	PUNCT
fsr-3324	677	6	cxiii	cxiii	NOUN
fsr-3324	677	7	,	,	PUNCT
fsr-3324	677	8	407–442	407–442	NUM
fsr-3324	677	9	.	.	PUNCT
fsr-3324	678	1	chambers	chamber	NOUN
fsr-3324	678	2	,	,	PUNCT
fsr-3324	678	3	v.	v.	ADV
fsr-3324	678	4	,	,	PUNCT
fsr-3324	678	5	&	&	CCONJ
fsr-3324	678	6	spencer	spencer	PROPN
fsr-3324	678	7	,	,	PUNCT
fsr-3324	678	8	m.	m.	NOUN
fsr-3324	678	9	(	(	PUNCT
fsr-3324	678	10	2008	2008	NUM
fsr-3324	678	11	)	)	PUNCT
fsr-3324	678	12	.	.	PUNCT
fsr-3324	679	1	does	do	AUX
fsr-3324	679	2	changing	change	VERB
fsr-3324	679	3	the	the	DET
fsr-3324	679	4	timing	timing	NOUN
fsr-3324	679	5	of	of	ADP
fsr-3324	679	6	a	a	DET
fsr-3324	679	7	yearly	yearly	ADJ
fsr-3324	679	8	individual	individual	ADJ
fsr-3324	679	9	tax	tax	NOUN
fsr-3324	679	10	refund	refund	NOUN
fsr-3324	679	11	change	change	NOUN
fsr-3324	679	12	the	the	DET
fsr-3324	679	13	amount	amount	NOUN
fsr-3324	679	14	spent	spend	VERB
fsr-3324	679	15	vs.	vs.	ADP
fsr-3324	679	16	saved	save	VERB
fsr-3324	679	17	?	?	PUNCT
fsr-3324	680	1	journal	journal	NOUN
fsr-3324	680	2	of	of	ADP
fsr-3324	680	3	economic	economic	ADJ
fsr-3324	680	4	psychology	psychology	NOUN
fsr-3324	680	5	,	,	PUNCT
fsr-3324	680	6	29	29	NUM
fsr-3324	680	7	,	,	PUNCT
fsr-3324	680	8	856–862	856–862	NUM
fsr-3324	680	9	.	.	PUNCT
fsr-3324	681	1	chambers	chamber	NOUN
fsr-3324	681	2	,	,	PUNCT
fsr-3324	681	3	v.	v.	ADP
fsr-3324	681	4	,	,	PUNCT
fsr-3324	681	5	spencer	spencer	PROPN
fsr-3324	681	6	,	,	PUNCT
fsr-3324	681	7	m.	m.	NOUN
fsr-3324	681	8	,	,	PUNCT
fsr-3324	681	9	&	&	CCONJ
fsr-3324	681	10	mollick	mollick	PROPN
fsr-3324	681	11	,	,	PUNCT
fsr-3324	681	12	j.	j.	PROPN
fsr-3324	681	13	(	(	PUNCT
fsr-3324	681	14	2009	2009	NUM
fsr-3324	681	15	)	)	PUNCT
fsr-3324	681	16	.	.	PUNCT
fsr-3324	682	1	goldilocks	goldilock	NOUN
fsr-3324	682	2	rebates	rebate	VERB
fsr-3324	682	3	:	:	PUNCT
fsr-3324	682	4	complying	comply	VERB
fsr-3324	682	5	with	with	ADP
fsr-3324	682	6	government	government	NOUN
fsr-3324	682	7	wishes	wish	VERB
fsr-3324	682	8	only	only	ADV
fsr-3324	682	9	when	when	SCONJ
fsr-3324	682	10	the	the	DET
fsr-3324	682	11	rebate	rebate	NOUN
fsr-3324	682	12	amount	amount	NOUN
fsr-3324	682	13	is	be	AUX
fsr-3324	682	14	“	"	PUNCT
fsr-3324	682	15	just	just	ADV
fsr-3324	682	16	right	right	ADJ
fsr-3324	682	17	.	.	PUNCT
fsr-3324	682	18	”	"	PUNCT
fsr-3324	683	1	journal	journal	NOUN
fsr-3324	683	2	of	of	ADP
fsr-3324	683	3	economics	economic	NOUN
fsr-3324	683	4	and	and	CCONJ
fsr-3324	683	5	economic	economic	ADJ
fsr-3324	683	6	research	research	NOUN
fsr-3324	683	7	,	,	PUNCT
fsr-3324	683	8	10	10	NUM
fsr-3324	683	9	,	,	PUNCT
fsr-3324	683	10	101–119	101–119	NUM
fsr-3324	683	11	.	.	PUNCT
fsr-3324	684	1	cheema	cheema	PROPN
fsr-3324	684	2	,	,	PUNCT
fsr-3324	684	3	a.	a.	PROPN
fsr-3324	684	4	,	,	PUNCT
fsr-3324	684	5	&	&	CCONJ
fsr-3324	684	6	soman	soman	NOUN
fsr-3324	684	7	,	,	PUNCT
fsr-3324	684	8	d.	d.	PROPN
fsr-3324	684	9	(	(	PUNCT
fsr-3324	684	10	2006	2006	NUM
fsr-3324	684	11	)	)	PUNCT
fsr-3324	684	12	.	.	PUNCT
fsr-3324	685	1	malleable	malleable	ADJ
fsr-3324	685	2	mental	mental	ADJ
fsr-3324	685	3	accounting	accounting	NOUN
fsr-3324	685	4	:	:	PUNCT
fsr-3324	685	5	the	the	DET
fsr-3324	685	6	effect	effect	NOUN
fsr-3324	685	7	of	of	ADP
fsr-3324	685	8	flexibility	flexibility	NOUN
fsr-3324	685	9	on	on	ADP
fsr-3324	685	10	the	the	DET
fsr-3324	685	11	justification	justification	NOUN
fsr-3324	685	12	of	of	ADP
fsr-3324	685	13	attractive	attractive	ADJ
fsr-3324	685	14	spending	spending	NOUN
fsr-3324	685	15	and	and	CCONJ
fsr-3324	685	16	consumption	consumption	NOUN
fsr-3324	685	17	decisions	decision	NOUN
fsr-3324	685	18	.	.	PUNCT
fsr-3324	686	1	journal	journal	NOUN
fsr-3324	686	2	of	of	ADP
fsr-3324	686	3	consumer	consumer	NOUN
fsr-3324	686	4	psychology	psychology	NOUN
fsr-3324	686	5	,	,	PUNCT
fsr-3324	686	6	16	16	NUM
fsr-3324	686	7	,	,	PUNCT
fsr-3324	686	8	33–44	33–44	NUM
fsr-3324	686	9	.	.	PUNCT
fsr-3324	687	1	chen	chen	PROPN
fsr-3324	687	2	,	,	PUNCT
fsr-3324	687	3	h.	h.	PROPN
fsr-3324	687	4	,	,	PUNCT
fsr-3324	687	5	&	&	CCONJ
fsr-3324	687	6	volpe	volpe	PROPN
fsr-3324	687	7	,	,	PUNCT
fsr-3324	687	8	r.	r.	PROPN
fsr-3324	687	9	p.	p.	PROPN
fsr-3324	687	10	(	(	PUNCT
fsr-3324	687	11	2002	2002	NUM
fsr-3324	687	12	)	)	PUNCT
fsr-3324	687	13	.	.	PUNCT
fsr-3324	688	1	gender	gender	NOUN
fsr-3324	688	2	differences	difference	NOUN
fsr-3324	688	3	in	in	ADP
fsr-3324	688	4	personal	personal	ADJ
fsr-3324	688	5	financial	financial	ADJ
fsr-3324	688	6	literacy	literacy	NOUN
fsr-3324	688	7	among	among	ADP
fsr-3324	688	8	college	college	NOUN
fsr-3324	688	9	students	student	NOUN
fsr-3324	688	10	.	.	PUNCT
fsr-3324	689	1	financial	financial	ADJ
fsr-3324	689	2	services	service	NOUN
fsr-3324	689	3	review	review	PROPN
fsr-3324	689	4	,	,	PUNCT
fsr-3324	689	5	11	11	NUM
fsr-3324	689	6	,	,	PUNCT
fsr-3324	689	7	289–307	289–307	NUM
fsr-3324	689	8	.	.	PUNCT
fsr-3324	690	1	(	(	PUNCT
fsr-3324	690	2	available	available	ADJ
fsr-3324	690	3	at	at	ADP
fsr-3324	690	4	https://manowar.tamucc.edu/login?url�http://search	https://manowar.tamucc.edu/login?url�http://search	PROPN
fsr-3324	690	5	.	.	PUNCT
fsr-3324	691	1	proquest.com/docview/212012102?accountid�7084	proquest.com/docview/212012102?accountid�7084	NOUN
fsr-3324	691	2	)	)	PUNCT
fsr-3324	691	3	dobbelsteen	dobbelsteen	PROPN
fsr-3324	691	4	,	,	PUNCT
fsr-3324	691	5	s.	s.	PROPN
fsr-3324	691	6	,	,	PUNCT
fsr-3324	691	7	&	&	CCONJ
fsr-3324	691	8	kooreman	kooreman	PROPN
fsr-3324	691	9	,	,	PUNCT
fsr-3324	691	10	p.	p.	NOUN
fsr-3324	691	11	(	(	PUNCT
fsr-3324	691	12	1997	1997	NUM
fsr-3324	691	13	)	)	PUNCT
fsr-3324	691	14	.	.	PUNCT
fsr-3324	692	1	financial	financial	ADJ
fsr-3324	692	2	management	management	NOUN
fsr-3324	692	3	,	,	PUNCT
fsr-3324	692	4	bargaining	bargaining	NOUN
fsr-3324	692	5	and	and	CCONJ
fsr-3324	692	6	efficiency	efficiency	NOUN
fsr-3324	692	7	within	within	ADP
fsr-3324	692	8	the	the	DET
fsr-3324	692	9	household	household	NOUN
fsr-3324	692	10	;	;	PUNCT
fsr-3324	692	11	an	an	DET
fsr-3324	692	12	empirical	empirical	ADJ
fsr-3324	692	13	analysis	analysis	NOUN
fsr-3324	692	14	.	.	PUNCT
fsr-3324	693	1	de	de	X
fsr-3324	693	2	economist	economist	NOUN
fsr-3324	693	3	,	,	PUNCT
fsr-3324	693	4	145	145	NUM
fsr-3324	693	5	,	,	PUNCT
fsr-3324	693	6	345–366	345–366	NUM
fsr-3324	693	7	.	.	PUNCT
fsr-3324	694	1	epley	epley	PROPN
fsr-3324	694	2	,	,	PUNCT
fsr-3324	694	3	n.	n.	PROPN
fsr-3324	694	4	,	,	PUNCT
fsr-3324	694	5	mak	mak	PROPN
fsr-3324	694	6	,	,	PUNCT
fsr-3324	694	7	d.	d.	PROPN
fsr-3324	694	8	,	,	PUNCT
fsr-3324	694	9	&	&	CCONJ
fsr-3324	694	10	idson	idson	PROPN
fsr-3324	694	11	,	,	PUNCT
fsr-3324	694	12	l.	l.	PROPN
fsr-3324	694	13	(	(	PUNCT
fsr-3324	694	14	2006	2006	NUM
fsr-3324	694	15	)	)	PUNCT
fsr-3324	694	16	.	.	PUNCT
fsr-3324	695	1	bonus	bonus	NOUN
fsr-3324	695	2	or	or	CCONJ
fsr-3324	695	3	rebate	rebate	VERB
fsr-3324	695	4	?	?	PUNCT
fsr-3324	695	5	:	:	PUNCT
fsr-3324	695	6	the	the	DET
fsr-3324	695	7	impact	impact	NOUN
fsr-3324	695	8	of	of	ADP
fsr-3324	695	9	income	income	NOUN
fsr-3324	695	10	framing	frame	VERB
fsr-3324	695	11	on	on	ADP
fsr-3324	695	12	spending	spending	NOUN
fsr-3324	695	13	and	and	CCONJ
fsr-3324	695	14	saving	saving	NOUN
fsr-3324	695	15	.	.	PUNCT
fsr-3324	696	1	journal	journal	PROPN
fsr-3324	696	2	of	of	ADP
fsr-3324	696	3	behavioral	behavioral	ADJ
fsr-3324	696	4	decision	decision	NOUN
fsr-3324	696	5	making	making	NOUN
fsr-3324	696	6	,	,	PUNCT
fsr-3324	696	7	19	19	NUM
fsr-3324	696	8	,	,	PUNCT
fsr-3324	696	9	213–227	213–227	NUM
fsr-3324	696	10	.	.	PUNCT
fsr-3324	697	1	25	25	NUM
fsr-3324	697	2	.	.	PUNCT
fsr-3324	698	1	use	use	VERB
fsr-3324	698	2	up	up	ADP
fsr-3324	698	3	for	for	ADP
fsr-3324	698	4	regular	regular	ADJ
fsr-3324	698	5	monthly	monthly	ADJ
fsr-3324	698	6	expenses	expense	NOUN
fsr-3324	698	7	?	?	PUNCT
fsr-3324	699	1	$	$	SYM
fsr-3324	699	2	26	26	NUM
fsr-3324	699	3	.	.	PUNCT
fsr-3324	700	1	use	use	NOUN
fsr-3324	700	2	to	to	PART
fsr-3324	700	3	buy	buy	VERB
fsr-3324	700	4	a	a	DET
fsr-3324	700	5	durable	durable	ADJ
fsr-3324	700	6	asset	asset	NOUN
fsr-3324	700	7	(	(	PUNCT
fsr-3324	700	8	such	such	ADJ
fsr-3324	700	9	as	as	ADP
fsr-3324	700	10	car	car	NOUN
fsr-3324	700	11	,	,	PUNCT
fsr-3324	700	12	boat	boat	NOUN
fsr-3324	700	13	,	,	PUNCT
fsr-3324	700	14	washing	washing	NOUN
fsr-3324	700	15	machine	machine	NOUN
fsr-3324	700	16	,	,	PUNCT
fsr-3324	700	17	furniture	furniture	NOUN
fsr-3324	700	18	)	)	PUNCT
fsr-3324	700	19	?	?	PUNCT
fsr-3324	701	1	$	$	SYM
fsr-3324	701	2	27	27	NUM
fsr-3324	701	3	.	.	PUNCT
fsr-3324	702	1	use	use	NOUN
fsr-3324	702	2	to	to	PART
fsr-3324	702	3	save	save	VERB
fsr-3324	702	4	for	for	ADP
fsr-3324	702	5	an	an	DET
fsr-3324	702	6	infrequent	infrequent	ADJ
fsr-3324	702	7	yearly	yearly	ADJ
fsr-3324	702	8	expense	expense	NOUN
fsr-3324	702	9	(	(	PUNCT
fsr-3324	702	10	such	such	ADJ
fsr-3324	702	11	as	as	ADP
fsr-3324	702	12	a	a	DET
fsr-3324	702	13	vacation	vacation	NOUN
fsr-3324	702	14	,	,	PUNCT
fsr-3324	702	15	bigger	big	ADJ
fsr-3324	702	16	holiday	holiday	NOUN
fsr-3324	702	17	gifts	gift	NOUN
fsr-3324	702	18	,	,	PUNCT
fsr-3324	702	19	and/or	and/or	CCONJ
fsr-3324	702	20	something	something	PRON
fsr-3324	702	21	you	you	PRON
fsr-3324	702	22	’ve	’ve	AUX
fsr-3324	702	23	been	be	AUX
fsr-3324	702	24	wanting	want	VERB
fsr-3324	702	25	)	)	PUNCT
fsr-3324	702	26	?	?	PUNCT
fsr-3324	703	1	$	$	SYM
fsr-3324	703	2	28	28	NUM
fsr-3324	703	3	.	.	PUNCT
fsr-3324	703	4	spend	spend	VERB
fsr-3324	703	5	right	right	ADV
fsr-3324	703	6	away	away	ADV
fsr-3324	703	7	on	on	ADP
fsr-3324	703	8	something	something	PRON
fsr-3324	703	9	fun	fun	ADJ
fsr-3324	703	10	?	?	PUNCT
fsr-3324	704	1	$	$	SYM
fsr-3324	704	2	amount	amount	NOUN
fsr-3324	704	3	must	must	AUX
fsr-3324	704	4	total	total	VERB
fsr-3324	704	5	$	$	SYM
fsr-3324	704	6	50.003	50.003	NUM
fsr-3324	704	7	complete	complete	ADJ
fsr-3324	704	8	other	other	ADJ
fsr-3324	704	9	side	side	NOUN
fsr-3324	704	10	,	,	PUNCT
fsr-3324	704	11	please	please	INTJ
fsr-3324	704	12	.	.	PUNCT
fsr-3324	705	1	thank	thank	VERB
fsr-3324	705	2	you	you	PRON
fsr-3324	705	3	for	for	ADP
fsr-3324	705	4	your	your	PRON
fsr-3324	705	5	participation	participation	NOUN
fsr-3324	705	6	!	!	PUNCT
fsr-3324	705	7	!	!	PUNCT
fsr-3324	705	8	!	!	PUNCT
fsr-3324	706	1	311v	311v	NOUN
fsr-3324	706	2	.	.	PUNCT
fsr-3324	707	1	chambers	chamber	NOUN
fsr-3324	707	2	et	et	PROPN
fsr-3324	707	3	al	al	PROPN
fsr-3324	707	4	.	.	PUNCT
fsr-3324	707	5	/	/	SYM
fsr-3324	707	6	financial	financial	ADJ
fsr-3324	707	7	services	service	NOUN
fsr-3324	707	8	review	review	VERB
fsr-3324	707	9	26	26	NUM
fsr-3324	707	10	(	(	PUNCT
fsr-3324	707	11	2017	2017	NUM
fsr-3324	707	12	)	)	PUNCT
fsr-3324	708	1	291–313	291–313	NUM
fsr-3324	708	2	epley	epley	NOUN
fsr-3324	708	3	,	,	PUNCT
fsr-3324	708	4	n.	n.	NOUN
fsr-3324	708	5	,	,	PUNCT
fsr-3324	708	6	&	&	CCONJ
fsr-3324	708	7	gneezy	gneezy	PROPN
fsr-3324	708	8	,	,	PUNCT
fsr-3324	708	9	a.	a.	NOUN
fsr-3324	708	10	(	(	PUNCT
fsr-3324	708	11	2007	2007	NUM
fsr-3324	708	12	)	)	PUNCT
fsr-3324	708	13	.	.	PUNCT
fsr-3324	709	1	the	the	DET
fsr-3324	709	2	framing	framing	NOUN
fsr-3324	709	3	of	of	ADP
fsr-3324	709	4	financial	financial	ADJ
fsr-3324	709	5	windfalls	windfall	NOUN
fsr-3324	709	6	and	and	CCONJ
fsr-3324	709	7	implications	implication	NOUN
fsr-3324	709	8	for	for	ADP
fsr-3324	709	9	public	public	ADJ
fsr-3324	709	10	policy	policy	NOUN
fsr-3324	709	11	.	.	PUNCT
fsr-3324	710	1	the	the	DET
fsr-3324	710	2	journal	journal	PROPN
fsr-3324	710	3	of	of	ADP
fsr-3324	710	4	socio	socio	NOUN
fsr-3324	710	5	-	-	PUNCT
fsr-3324	710	6	economics	economic	NOUN
fsr-3324	710	7	,	,	PUNCT
fsr-3324	710	8	36	36	NUM
fsr-3324	710	9	,	,	PUNCT
fsr-3324	710	10	36–47	36–47	NUM
fsr-3324	710	11	.	.	PUNCT
fsr-3324	710	12	fisher	fisher	PROPN
fsr-3324	710	13	,	,	PUNCT
fsr-3324	710	14	p.	p.	PROPN
fsr-3324	710	15	j.	j.	PROPN
fsr-3324	710	16	(	(	PUNCT
fsr-3324	710	17	2010	2010	NUM
fsr-3324	710	18	)	)	PUNCT
fsr-3324	710	19	.	.	PUNCT
fsr-3324	711	1	black	black	ADJ
fsr-3324	711	2	-	-	PUNCT
fsr-3324	711	3	white	white	ADJ
fsr-3324	711	4	differences	difference	NOUN
fsr-3324	711	5	in	in	ADP
fsr-3324	711	6	saving	save	VERB
fsr-3324	711	7	behaviors	behavior	NOUN
fsr-3324	711	8	.	.	PUNCT
fsr-3324	712	1	financial	financial	ADJ
fsr-3324	712	2	services	service	NOUN
fsr-3324	712	3	review	review	PROPN
fsr-3324	712	4	,	,	PUNCT
fsr-3324	712	5	19	19	NUM
fsr-3324	712	6	,	,	PUNCT
fsr-3324	712	7	1–16	1–16	NOUN
fsr-3324	712	8	.	.	PUNCT
fsr-3324	713	1	fisher	fisher	PROPN
fsr-3324	713	2	,	,	PUNCT
fsr-3324	713	3	p.	p.	PROPN
fsr-3324	713	4	j.	j.	PROPN
fsr-3324	713	5	,	,	PUNCT
fsr-3324	713	6	hayhoe	hayhoe	PROPN
fsr-3324	713	7	,	,	PUNCT
fsr-3324	713	8	c.	c.	PROPN
fsr-3324	713	9	r.	r.	PROPN
fsr-3324	713	10	,	,	PUNCT
fsr-3324	713	11	&	&	CCONJ
fsr-3324	713	12	lown	lown	PROPN
fsr-3324	713	13	,	,	PUNCT
fsr-3324	713	14	j.	j.	PROPN
fsr-3324	713	15	m.	m.	PROPN
fsr-3324	713	16	(	(	PUNCT
fsr-3324	713	17	2015	2015	NUM
fsr-3324	713	18	)	)	PUNCT
fsr-3324	713	19	.	.	PUNCT
fsr-3324	714	1	gender	gender	NOUN
fsr-3324	714	2	differences	difference	NOUN
fsr-3324	714	3	in	in	ADP
fsr-3324	714	4	saving	save	VERB
fsr-3324	714	5	behaviors	behavior	NOUN
fsr-3324	714	6	among	among	ADP
fsr-3324	714	7	lowto	lowto	PROPN
fsr-3324	714	8	moderate	moderate	ADJ
fsr-3324	714	9	income	income	NOUN
fsr-3324	714	10	households	household	NOUN
fsr-3324	714	11	.	.	PUNCT
fsr-3324	715	1	financial	financial	ADJ
fsr-3324	715	2	services	service	NOUN
fsr-3324	715	3	review	review	PROPN
fsr-3324	715	4	,	,	PUNCT
fsr-3324	715	5	24	24	NUM
fsr-3324	715	6	,	,	PUNCT
fsr-3324	715	7	1–13	1–13	PROPN
fsr-3324	715	8	.	.	PUNCT
fsr-3324	716	1	frederick	frederick	PROPN
fsr-3324	716	2	,	,	PUNCT
fsr-3324	716	3	s.	s.	PROPN
fsr-3324	716	4	(	(	PUNCT
fsr-3324	716	5	2005	2005	NUM
fsr-3324	716	6	)	)	PUNCT
fsr-3324	716	7	.	.	PUNCT
fsr-3324	717	1	cognitive	cognitive	ADJ
fsr-3324	717	2	reflection	reflection	NOUN
fsr-3324	717	3	and	and	CCONJ
fsr-3324	717	4	decision	decision	NOUN
fsr-3324	717	5	making	making	NOUN
fsr-3324	717	6	.	.	PUNCT
fsr-3324	718	1	the	the	DET
fsr-3324	718	2	journal	journal	NOUN
fsr-3324	718	3	of	of	ADP
fsr-3324	718	4	economic	economic	ADJ
fsr-3324	718	5	perspectives	perspective	NOUN
fsr-3324	718	6	,	,	PUNCT
fsr-3324	718	7	19	19	NUM
fsr-3324	718	8	,	,	PUNCT
fsr-3324	718	9	25–42	25–42	NUM
fsr-3324	718	10	.	.	PUNCT
fsr-3324	719	1	friedman	friedman	PROPN
fsr-3324	719	2	,	,	PUNCT
fsr-3324	719	3	m.	m.	NOUN
fsr-3324	719	4	(	(	PUNCT
fsr-3324	719	5	1957	1957	NUM
fsr-3324	719	6	)	)	PUNCT
fsr-3324	719	7	.	.	PUNCT
fsr-3324	720	1	a	a	DET
fsr-3324	720	2	theory	theory	NOUN
fsr-3324	720	3	of	of	ADP
fsr-3324	720	4	the	the	DET
fsr-3324	720	5	consumption	consumption	NOUN
fsr-3324	720	6	function	function	NOUN
fsr-3324	720	7	.	.	PUNCT
fsr-3324	721	1	princeton	princeton	PROPN
fsr-3324	721	2	,	,	PUNCT
fsr-3324	721	3	nj	nj	PROPN
fsr-3324	721	4	:	:	PUNCT
fsr-3324	721	5	national	national	PROPN
fsr-3324	721	6	bureau	bureau	PROPN
fsr-3324	721	7	of	of	ADP
fsr-3324	721	8	economic	economic	ADJ
fsr-3324	721	9	research	research	NOUN
fsr-3324	721	10	.	.	PUNCT
fsr-3324	722	1	heath	heath	PROPN
fsr-3324	722	2	,	,	PUNCT
fsr-3324	722	3	c.	c.	PROPN
fsr-3324	722	4	,	,	PUNCT
fsr-3324	722	5	&	&	CCONJ
fsr-3324	722	6	soll	soll	PROPN
fsr-3324	722	7	,	,	PUNCT
fsr-3324	722	8	j.	j.	PROPN
fsr-3324	722	9	b.	b.	PROPN
fsr-3324	722	10	(	(	PUNCT
fsr-3324	722	11	1996	1996	NUM
fsr-3324	722	12	)	)	PUNCT
fsr-3324	722	13	.	.	PUNCT
fsr-3324	723	1	mental	mental	ADJ
fsr-3324	723	2	accounting	accounting	NOUN
fsr-3324	723	3	and	and	CCONJ
fsr-3324	723	4	consumer	consumer	NOUN
fsr-3324	723	5	decisions	decision	NOUN
fsr-3324	723	6	.	.	PUNCT
fsr-3324	724	1	journal	journal	NOUN
fsr-3324	724	2	of	of	ADP
fsr-3324	724	3	consumer	consumer	NOUN
fsr-3324	724	4	research	research	NOUN
fsr-3324	724	5	,	,	PUNCT
fsr-3324	724	6	23	23	NUM
fsr-3324	724	7	,	,	PUNCT
fsr-3324	724	8	40–52	40–52	NUM
fsr-3324	724	9	.	.	PUNCT
fsr-3324	725	1	henderson	henderson	PROPN
fsr-3324	725	2	,	,	PUNCT
fsr-3324	725	3	p.	p.	PROPN
fsr-3324	725	4	w.	w.	PROPN
fsr-3324	725	5	,	,	PUNCT
fsr-3324	725	6	&	&	CCONJ
fsr-3324	725	7	peterson	peterson	PROPN
fsr-3324	725	8	,	,	PUNCT
fsr-3324	725	9	r.	r.	PROPN
fsr-3324	725	10	a.	a.	PROPN
fsr-3324	725	11	(	(	PUNCT
fsr-3324	725	12	1992	1992	NUM
fsr-3324	725	13	)	)	PUNCT
fsr-3324	725	14	.	.	PUNCT
fsr-3324	726	1	mental	mental	ADJ
fsr-3324	726	2	accounting	accounting	NOUN
fsr-3324	726	3	and	and	CCONJ
fsr-3324	726	4	categorization	categorization	NOUN
fsr-3324	726	5	.	.	PUNCT
fsr-3324	727	1	organizational	organizational	ADJ
fsr-3324	727	2	behavior	behavior	NOUN
fsr-3324	727	3	and	and	CCONJ
fsr-3324	727	4	human	human	ADJ
fsr-3324	727	5	decision	decision	NOUN
fsr-3324	727	6	processes	process	NOUN
fsr-3324	727	7	,	,	PUNCT
fsr-3324	727	8	51	51	NUM
fsr-3324	727	9	,	,	PUNCT
fsr-3324	727	10	92–117	92–117	PROPN
fsr-3324	727	11	.	.	PUNCT
fsr-3324	727	12	hershfield	hershfield	PROPN
fsr-3324	727	13	,	,	PUNCT
fsr-3324	727	14	h.	h.	PROPN
fsr-3324	727	15	e.	e.	PROPN
fsr-3324	727	16	,	,	PUNCT
fsr-3324	727	17	sussman	sussman	PROPN
fsr-3324	727	18	,	,	PUNCT
fsr-3324	727	19	a.	a.	PROPN
fsr-3324	727	20	b.	b.	PROPN
fsr-3324	727	21	,	,	PUNCT
fsr-3324	727	22	rourke	rourke	PROPN
fsr-3324	727	23	,	,	PUNCT
fsr-3324	727	24	l.	l.	PROPN
fsr-3324	727	25	o.	o.	PROPN
fsr-3324	727	26	,	,	PUNCT
fsr-3324	727	27	&	&	CCONJ
fsr-3324	727	28	bryan	bryan	PROPN
fsr-3324	727	29	,	,	PUNCT
fsr-3324	727	30	c.	c.	PROPN
fsr-3324	727	31	j.	j.	PROPN
fsr-3324	727	32	(	(	PUNCT
fsr-3324	727	33	2015	2015	NUM
fsr-3324	727	34	)	)	PUNCT
fsr-3324	727	35	.	.	PUNCT
fsr-3324	728	1	leveraging	leverage	VERB
fsr-3324	728	2	psychological	psychological	ADJ
fsr-3324	728	3	insights	insight	NOUN
fsr-3324	728	4	to	to	PART
fsr-3324	728	5	encourage	encourage	VERB
fsr-3324	728	6	the	the	DET
fsr-3324	728	7	responsible	responsible	ADJ
fsr-3324	728	8	use	use	NOUN
fsr-3324	728	9	of	of	ADP
fsr-3324	728	10	consumer	consumer	NOUN
fsr-3324	728	11	debt	debt	NOUN
fsr-3324	728	12	.	.	PUNCT
fsr-3324	729	1	perspectives	perspective	NOUN
fsr-3324	729	2	on	on	ADP
fsr-3324	729	3	psychological	psychological	ADJ
fsr-3324	729	4	science	science	NOUN
fsr-3324	729	5	,	,	PUNCT
fsr-3324	729	6	10	10	NUM
fsr-3324	729	7	,	,	PUNCT
fsr-3324	729	8	749–752	749–752	NUM
fsr-3324	729	9	.	.	PUNCT
fsr-3324	730	1	hsieh	hsieh	PROPN
fsr-3324	730	2	,	,	PUNCT
fsr-3324	730	3	c.	c.	PROPN
fsr-3324	730	4	(	(	PUNCT
fsr-3324	730	5	2003	2003	NUM
fsr-3324	730	6	)	)	PUNCT
fsr-3324	730	7	.	.	PUNCT
fsr-3324	731	1	do	do	AUX
fsr-3324	731	2	consumers	consumer	NOUN
fsr-3324	731	3	react	react	VERB
fsr-3324	731	4	to	to	ADP
fsr-3324	731	5	anticipated	anticipate	VERB
fsr-3324	731	6	income	income	NOUN
fsr-3324	731	7	changes	change	NOUN
fsr-3324	731	8	?	?	PUNCT
fsr-3324	732	1	evidence	evidence	NOUN
fsr-3324	732	2	from	from	ADP
fsr-3324	732	3	the	the	DET
fsr-3324	732	4	alaska	alaska	NOUN
fsr-3324	732	5	permanent	permanent	ADJ
fsr-3324	732	6	fund	fund	NOUN
fsr-3324	732	7	.	.	PUNCT
fsr-3324	733	1	the	the	DET
fsr-3324	733	2	american	american	PROPN
fsr-3324	733	3	economic	economic	PROPN
fsr-3324	733	4	review	review	PROPN
fsr-3324	733	5	,	,	PUNCT
fsr-3324	733	6	93	93	NUM
fsr-3324	733	7	,	,	PUNCT
fsr-3324	733	8	397–405	397–405	NUM
fsr-3324	733	9	.	.	PUNCT
fsr-3324	733	10	internal	internal	ADJ
fsr-3324	733	11	revenue	revenue	NOUN
fsr-3324	733	12	service	service	NOUN
fsr-3324	733	13	.	.	PUNCT
fsr-3324	734	1	(	(	PUNCT
fsr-3324	734	2	2012	2012	NUM
fsr-3324	734	3	)	)	PUNCT
fsr-3324	734	4	.	.	PUNCT
fsr-3324	735	1	(	(	PUNCT
fsr-3324	735	2	available	available	ADJ
fsr-3324	735	3	at	at	ADP
fsr-3324	735	4	http://www.irs.gov/uac/soi-tax-stats-individual-income-taxreturns	http://www.irs.gov/uac/soi-tax-stats-individual-income-taxreturn	NOUN
fsr-3324	735	5	)	)	PUNCT
fsr-3324	735	6	johnson	johnson	PROPN
fsr-3324	735	7	,	,	PUNCT
fsr-3324	735	8	d.	d.	PROPN
fsr-3324	735	9	s.	s.	PROPN
fsr-3324	735	10	,	,	PUNCT
fsr-3324	735	11	parker	parker	PROPN
fsr-3324	735	12	,	,	PUNCT
fsr-3324	735	13	j.	j.	PROPN
fsr-3324	735	14	a.	a.	PROPN
fsr-3324	735	15	,	,	PUNCT
fsr-3324	735	16	&	&	CCONJ
fsr-3324	735	17	souleles	souleles	PROPN
fsr-3324	735	18	,	,	PUNCT
fsr-3324	735	19	n.	n.	PROPN
fsr-3324	735	20	s.	s.	PROPN
fsr-3324	735	21	(	(	PUNCT
fsr-3324	735	22	2006	2006	NUM
fsr-3324	735	23	)	)	PUNCT
fsr-3324	735	24	.	.	PUNCT
fsr-3324	736	1	household	household	NOUN
fsr-3324	736	2	expenditure	expenditure	NOUN
fsr-3324	736	3	and	and	CCONJ
fsr-3324	736	4	the	the	DET
fsr-3324	736	5	income	income	NOUN
fsr-3324	736	6	tax	tax	NOUN
fsr-3324	736	7	rebates	rebate	NOUN
fsr-3324	736	8	of	of	ADP
fsr-3324	736	9	2001	2001	NUM
fsr-3324	736	10	.	.	PUNCT
fsr-3324	737	1	american	american	PROPN
fsr-3324	737	2	economic	economic	PROPN
fsr-3324	737	3	review	review	PROPN
fsr-3324	737	4	,	,	PUNCT
fsr-3324	737	5	96	96	NUM
fsr-3324	737	6	,	,	PUNCT
fsr-3324	737	7	1589–1610	1589–1610	NUM
fsr-3324	737	8	.	.	PUNCT
fsr-3324	738	1	karlsson	karlsson	PROPN
fsr-3324	738	2	,	,	PUNCT
fsr-3324	738	3	n.	n.	NOUN
fsr-3324	738	4	,	,	PUNCT
fsr-3324	738	5	gärling	gärling	NOUN
fsr-3324	738	6	,	,	PUNCT
fsr-3324	738	7	t.	t.	PROPN
fsr-3324	738	8	,	,	PUNCT
fsr-3324	738	9	&	&	CCONJ
fsr-3324	738	10	selart	selart	PROPN
fsr-3324	738	11	,	,	PUNCT
fsr-3324	738	12	m.	m.	NOUN
fsr-3324	738	13	(	(	PUNCT
fsr-3324	738	14	1999	1999	NUM
fsr-3324	738	15	)	)	PUNCT
fsr-3324	738	16	.	.	PUNCT
fsr-3324	739	1	explanations	explanation	NOUN
fsr-3324	739	2	of	of	ADP
fsr-3324	739	3	effects	effect	NOUN
fsr-3324	739	4	of	of	ADP
fsr-3324	739	5	prior	prior	ADJ
fsr-3324	739	6	income	income	NOUN
fsr-3324	739	7	changes	change	NOUN
fsr-3324	739	8	on	on	ADP
fsr-3324	739	9	buying	buy	VERB
fsr-3324	739	10	decisions	decision	NOUN
fsr-3324	739	11	.	.	PUNCT
fsr-3324	740	1	journal	journal	NOUN
fsr-3324	740	2	of	of	ADP
fsr-3324	740	3	economic	economic	ADJ
fsr-3324	740	4	psychology	psychology	NOUN
fsr-3324	740	5	,	,	PUNCT
fsr-3324	740	6	20	20	NUM
fsr-3324	740	7	,	,	PUNCT
fsr-3324	740	8	449–463	449–463	NUM
fsr-3324	740	9	.	.	PUNCT
fsr-3324	741	1	kreinin	kreinin	PROPN
fsr-3324	741	2	,	,	PUNCT
fsr-3324	741	3	m.	m.	PROPN
fsr-3324	741	4	e.	e.	PROPN
fsr-3324	741	5	(	(	PUNCT
fsr-3324	741	6	1961	1961	NUM
fsr-3324	741	7	)	)	PUNCT
fsr-3324	741	8	.	.	PUNCT
fsr-3324	742	1	windfall	windfall	NOUN
fsr-3324	742	2	income	income	NOUN
fsr-3324	742	3	and	and	CCONJ
fsr-3324	742	4	consumption	consumption	NOUN
fsr-3324	742	5	:	:	PUNCT
fsr-3324	742	6	additional	additional	ADJ
fsr-3324	742	7	evidences	evidence	NOUN
fsr-3324	742	8	.	.	PUNCT
fsr-3324	743	1	the	the	DET
fsr-3324	743	2	american	american	PROPN
fsr-3324	743	3	economic	economic	PROPN
fsr-3324	743	4	review	review	PROPN
fsr-3324	743	5	,	,	PUNCT
fsr-3324	743	6	51	51	NUM
fsr-3324	743	7	,	,	PUNCT
fsr-3324	743	8	388–390	388–390	NUM
fsr-3324	743	9	.	.	PUNCT
fsr-3324	744	1	levav	levav	PROPN
fsr-3324	744	2	,	,	PUNCT
fsr-3324	744	3	j.	j.	PROPN
fsr-3324	744	4	,	,	PUNCT
fsr-3324	744	5	&	&	CCONJ
fsr-3324	744	6	mcgraw	mcgraw	PROPN
fsr-3324	744	7	,	,	PUNCT
fsr-3324	744	8	p.	p.	NOUN
fsr-3324	744	9	(	(	PUNCT
fsr-3324	744	10	2009	2009	NUM
fsr-3324	744	11	)	)	PUNCT
fsr-3324	744	12	.	.	PUNCT
fsr-3324	745	1	emotional	emotional	ADJ
fsr-3324	745	2	accounting	accounting	NOUN
fsr-3324	745	3	:	:	PUNCT
fsr-3324	745	4	how	how	SCONJ
fsr-3324	745	5	feelings	feeling	NOUN
fsr-3324	745	6	about	about	ADP
fsr-3324	745	7	money	money	NOUN
fsr-3324	745	8	influence	influence	NOUN
fsr-3324	745	9	consumer	consumer	NOUN
fsr-3324	745	10	choice	choice	NOUN
fsr-3324	745	11	.	.	PUNCT
fsr-3324	746	1	journal	journal	NOUN
fsr-3324	746	2	of	of	ADP
fsr-3324	746	3	marketing	marketing	NOUN
fsr-3324	746	4	research	research	NOUN
fsr-3324	746	5	,	,	PUNCT
fsr-3324	746	6	46	46	NUM
fsr-3324	746	7	,	,	PUNCT
fsr-3324	746	8	66–80	66–80	NUM
fsr-3324	746	9	.	.	PUNCT
fsr-3324	747	1	(	(	PUNCT
fsr-3324	747	2	available	available	ADJ
fsr-3324	747	3	at	at	ADP
fsr-3324	747	4	http://search.proquest.com/abicomplete/docview/	http://search.proquest.com/abicomplete/docview/	PROPN
fsr-3324	747	5	235223437/64e7aed8026742e2pq/1?accountid	235223437/64e7aed8026742e2pq/1?accountid	NUM
fsr-3324	747	6	�	�	PROPN
fsr-3324	747	7	7084	7084	NUM
fsr-3324	747	8	)	)	PUNCT
fsr-3324	747	9	meekin	meekin	NOUN
fsr-3324	747	10	,	,	PUNCT
fsr-3324	747	11	k.	k.	PROPN
fsr-3324	747	12	e.	e.	PROPN
fsr-3324	747	13	,	,	PUNCT
fsr-3324	747	14	tach	tach	PROPN
fsr-3324	747	15	,	,	PUNCT
fsr-3324	747	16	l.	l.	PROPN
fsr-3324	747	17	,	,	PUNCT
fsr-3324	747	18	&	&	CCONJ
fsr-3324	747	19	sykes	sykes	PROPN
fsr-3324	747	20	,	,	PUNCT
fsr-3324	747	21	j.	j.	PROPN
fsr-3324	747	22	(	(	PUNCT
fsr-3324	747	23	2015	2015	NUM
fsr-3324	747	24	)	)	PUNCT
fsr-3324	747	25	.	.	PUNCT
fsr-3324	748	1	it	it	PRON
fsr-3324	748	2	’s	’	VERB
fsr-3324	748	3	not	not	PART
fsr-3324	748	4	like	like	SCONJ
fsr-3324	748	5	i	i	PRON
fsr-3324	748	6	’m	’m	VERB
fsr-3324	748	7	poor	poor	ADJ
fsr-3324	748	8	:	:	PUNCT
fsr-3324	748	9	how	how	SCONJ
fsr-3324	748	10	working	working	ADJ
fsr-3324	748	11	families	family	NOUN
fsr-3324	748	12	make	make	VERB
fsr-3324	748	13	ends	end	NOUN
fsr-3324	748	14	meet	meet	VERB
fsr-3324	748	15	in	in	ADP
fsr-3324	748	16	a	a	DET
fsr-3324	748	17	post	post	ADJ
fsr-3324	748	18	-	-	ADJ
fsr-3324	748	19	welfare	welfare	ADJ
fsr-3324	748	20	world	world	NOUN
fsr-3324	748	21	.	.	PUNCT
fsr-3324	749	1	berkley	berkley	NOUN
fsr-3324	749	2	,	,	PUNCT
fsr-3324	749	3	ca	ca	NOUN
fsr-3324	749	4	:	:	PUNCT
fsr-3324	749	5	university	university	PROPN
fsr-3324	749	6	of	of	ADP
fsr-3324	749	7	california	california	PROPN
fsr-3324	749	8	press	press	PROPN
fsr-3324	749	9	.	.	PUNCT
fsr-3324	750	1	milkman	milkman	PROPN
fsr-3324	750	2	,	,	PUNCT
fsr-3324	750	3	k.	k.	PROPN
fsr-3324	750	4	l.	l.	PROPN
fsr-3324	750	5	,	,	PUNCT
fsr-3324	750	6	&	&	CCONJ
fsr-3324	750	7	beshears	beshear	NOUN
fsr-3324	750	8	,	,	PUNCT
fsr-3324	750	9	j.	j.	PROPN
fsr-3324	750	10	(	(	PUNCT
fsr-3324	750	11	2009	2009	NUM
fsr-3324	750	12	)	)	PUNCT
fsr-3324	750	13	.	.	PUNCT
fsr-3324	751	1	mental	mental	ADJ
fsr-3324	751	2	accounting	accounting	NOUN
fsr-3324	751	3	and	and	CCONJ
fsr-3324	751	4	small	small	ADJ
fsr-3324	751	5	windfalls	windfall	NOUN
fsr-3324	751	6	:	:	PUNCT
fsr-3324	751	7	evidence	evidence	NOUN
fsr-3324	751	8	from	from	ADP
fsr-3324	751	9	an	an	DET
fsr-3324	751	10	online	online	ADJ
fsr-3324	751	11	grocer	grocer	NOUN
fsr-3324	751	12	.	.	PUNCT
fsr-3324	752	1	journal	journal	PROPN
fsr-3324	752	2	of	of	ADP
fsr-3324	752	3	economic	economic	ADJ
fsr-3324	752	4	behavior	behavior	NOUN
fsr-3324	752	5	&	&	CCONJ
fsr-3324	752	6	organization	organization	PROPN
fsr-3324	752	7	,	,	PUNCT
fsr-3324	752	8	71	71	NUM
fsr-3324	752	9	,	,	PUNCT
fsr-3324	752	10	384–394	384–394	NUM
fsr-3324	752	11	.	.	PUNCT
fsr-3324	753	1	(	(	PUNCT
fsr-3324	753	2	available	available	ADJ
fsr-3324	753	3	at	at	ADP
fsr-3324	753	4	https://manowar.tamucc.edu/	https://manowar.tamucc.edu/	PROPN
fsr-3324	753	5	login?url	login?url	PROPN
fsr-3324	753	6	�	�	PROPN
fsr-3324	753	7	http://search.proquest.com	http://search.proquest.com	X
fsr-3324	753	8	/	/	SYM
fsr-3324	753	9	docview/230848483?accountid	docview/230848483?accountid	NOUN
fsr-3324	753	10	�	�	NOUN
fsr-3324	753	11	7084	7084	NUM
fsr-3324	753	12	)	)	PUNCT
fsr-3324	753	13	o’curry	o’curry	PROPN
fsr-3324	753	14	,	,	PUNCT
fsr-3324	753	15	s.	s.	PROPN
fsr-3324	753	16	(	(	PUNCT
fsr-3324	753	17	1999	1999	NUM
fsr-3324	753	18	)	)	PUNCT
fsr-3324	753	19	.	.	PUNCT
fsr-3324	754	1	income	income	NOUN
fsr-3324	754	2	source	source	NOUN
fsr-3324	754	3	effects	effect	NOUN
fsr-3324	754	4	.	.	PUNCT
fsr-3324	755	1	unpublished	unpublished	ADJ
fsr-3324	755	2	working	working	NOUN
fsr-3324	755	3	paper	paper	NOUN
fsr-3324	755	4	,	,	PUNCT
fsr-3324	755	5	depaul	depaul	PROPN
fsr-3324	755	6	university	university	PROPN
fsr-3324	755	7	.	.	PUNCT
fsr-3324	756	1	parker	parker	PROPN
fsr-3324	756	2	,	,	PUNCT
fsr-3324	756	3	j.	j.	PROPN
fsr-3324	756	4	(	(	PUNCT
fsr-3324	756	5	1999	1999	NUM
fsr-3324	756	6	)	)	PUNCT
fsr-3324	756	7	.	.	PUNCT
fsr-3324	757	1	the	the	DET
fsr-3324	757	2	reaction	reaction	NOUN
fsr-3324	757	3	of	of	ADP
fsr-3324	757	4	household	household	NOUN
fsr-3324	757	5	consumption	consumption	NOUN
fsr-3324	757	6	to	to	ADP
fsr-3324	757	7	predictable	predictable	ADJ
fsr-3324	757	8	changes	change	NOUN
fsr-3324	757	9	in	in	ADP
fsr-3324	757	10	social	social	ADJ
fsr-3324	757	11	security	security	NOUN
fsr-3324	757	12	taxes	taxis	NOUN
fsr-3324	757	13	.	.	PUNCT
fsr-3324	758	1	american	american	PROPN
fsr-3324	758	2	economic	economic	PROPN
fsr-3324	758	3	review	review	PROPN
fsr-3324	758	4	,	,	PUNCT
fsr-3324	758	5	89	89	NUM
fsr-3324	758	6	,	,	PUNCT
fsr-3324	758	7	959–973	959–973	NUM
fsr-3324	758	8	.	.	PUNCT
fsr-3324	759	1	read	read	NOUN
fsr-3324	759	2	,	,	PUNCT
fsr-3324	759	3	d.	d.	PROPN
fsr-3324	759	4	,	,	PUNCT
fsr-3324	759	5	loewenstein	loewenstein	PROPN
fsr-3324	759	6	,	,	PUNCT
fsr-3324	759	7	g.	g.	PROPN
fsr-3324	759	8	,	,	PUNCT
fsr-3324	759	9	&	&	CCONJ
fsr-3324	759	10	rabin	rabin	PROPN
fsr-3324	759	11	,	,	PUNCT
fsr-3324	759	12	m.	m.	NOUN
fsr-3324	759	13	(	(	PUNCT
fsr-3324	759	14	1999	1999	NUM
fsr-3324	759	15	)	)	PUNCT
fsr-3324	759	16	.	.	PUNCT
fsr-3324	760	1	choice	choice	NOUN
fsr-3324	760	2	bracketing	bracketing	NOUN
fsr-3324	760	3	.	.	PUNCT
fsr-3324	761	1	journal	journal	NOUN
fsr-3324	761	2	of	of	ADP
fsr-3324	761	3	risk	risk	NOUN
fsr-3324	761	4	and	and	CCONJ
fsr-3324	761	5	uncertainty	uncertainty	NOUN
fsr-3324	761	6	,	,	PUNCT
fsr-3324	761	7	19	19	NUM
fsr-3324	761	8	,	,	PUNCT
fsr-3324	761	9	1–3	1–3	NUM
fsr-3324	761	10	,	,	PUNCT
fsr-3324	761	11	171–197	171–197	NUM
fsr-3324	761	12	.	.	PUNCT
fsr-3324	762	1	rizzo	rizzo	PROPN
fsr-3324	762	2	,	,	PUNCT
fsr-3324	762	3	j.	j.	PROPN
fsr-3324	762	4	a.	a.	PROPN
fsr-3324	762	5	,	,	PUNCT
fsr-3324	762	6	&	&	CCONJ
fsr-3324	762	7	zeckhauser	zeckhauser	PROPN
fsr-3324	762	8	,	,	PUNCT
fsr-3324	762	9	r.	r.	PROPN
fsr-3324	762	10	j.	j.	PROPN
fsr-3324	762	11	(	(	PUNCT
fsr-3324	762	12	2003	2003	NUM
fsr-3324	762	13	)	)	PUNCT
fsr-3324	762	14	.	.	PUNCT
fsr-3324	763	1	reference	reference	NOUN
fsr-3324	763	2	incomes	income	NOUN
fsr-3324	763	3	,	,	PUNCT
fsr-3324	763	4	loss	loss	NOUN
fsr-3324	763	5	aversion	aversion	NOUN
fsr-3324	763	6	,	,	PUNCT
fsr-3324	763	7	and	and	CCONJ
fsr-3324	763	8	physician	physician	NOUN
fsr-3324	763	9	behavior	behavior	NOUN
fsr-3324	763	10	.	.	PUNCT
fsr-3324	764	1	the	the	DET
fsr-3324	764	2	review	review	NOUN
fsr-3324	764	3	of	of	ADP
fsr-3324	764	4	economics	economic	NOUN
fsr-3324	764	5	and	and	CCONJ
fsr-3324	764	6	statistics	statistic	NOUN
fsr-3324	764	7	,	,	PUNCT
fsr-3324	764	8	85	85	NUM
fsr-3324	764	9	,	,	PUNCT
fsr-3324	764	10	909–922	909–922	NUM
fsr-3324	764	11	.	.	PUNCT
fsr-3324	765	1	rucker	rucker	PROPN
fsr-3324	765	2	,	,	PUNCT
fsr-3324	765	3	m.	m.	NOUN
fsr-3324	765	4	h.	h.	PROPN
fsr-3324	765	5	(	(	PUNCT
fsr-3324	765	6	1984	1984	NUM
fsr-3324	765	7	)	)	PUNCT
fsr-3324	765	8	.	.	PUNCT
fsr-3324	766	1	allocation	allocation	NOUN
fsr-3324	766	2	of	of	ADP
fsr-3324	766	3	windfall	windfall	NOUN
fsr-3324	766	4	income	income	NOUN
fsr-3324	766	5	:	:	PUNCT
fsr-3324	766	6	a	a	DET
fsr-3324	766	7	case	case	NOUN
fsr-3324	766	8	study	study	NOUN
fsr-3324	766	9	of	of	ADP
fsr-3324	766	10	a	a	DET
fsr-3324	766	11	retroactive	retroactive	ADJ
fsr-3324	766	12	pay	pay	NOUN
fsr-3324	766	13	increase	increase	NOUN
fsr-3324	766	14	to	to	ADP
fsr-3324	766	15	university	university	NOUN
fsr-3324	766	16	employees	employee	NOUN
fsr-3324	766	17	.	.	PUNCT
fsr-3324	767	1	the	the	DET
fsr-3324	767	2	journal	journal	NOUN
fsr-3324	767	3	of	of	ADP
fsr-3324	767	4	consumer	consumer	NOUN
fsr-3324	767	5	affairs	affair	NOUN
fsr-3324	767	6	,	,	PUNCT
fsr-3324	767	7	18	18	NUM
fsr-3324	767	8	,	,	PUNCT
fsr-3324	767	9	101–118	101–118	NUM
fsr-3324	767	10	.	.	PUNCT
fsr-3324	767	11	sahm	sahm	PROPN
fsr-3324	767	12	,	,	PUNCT
fsr-3324	767	13	c.	c.	PROPN
fsr-3324	767	14	r.	r.	PROPN
fsr-3324	767	15	,	,	PUNCT
fsr-3324	767	16	shapiro	shapiro	PROPN
fsr-3324	767	17	,	,	PUNCT
fsr-3324	767	18	m.	m.	PROPN
fsr-3324	767	19	d.	d.	PROPN
fsr-3324	767	20	,	,	PUNCT
fsr-3324	767	21	&	&	CCONJ
fsr-3324	767	22	slemrod	slemrod	PROPN
fsr-3324	767	23	,	,	PUNCT
fsr-3324	767	24	j.	j.	PROPN
fsr-3324	767	25	(	(	PUNCT
fsr-3324	767	26	2012	2012	NUM
fsr-3324	767	27	)	)	PUNCT
fsr-3324	767	28	.	.	PUNCT
fsr-3324	768	1	check	check	VERB
fsr-3324	768	2	in	in	ADP
fsr-3324	768	3	the	the	DET
fsr-3324	768	4	mail	mail	NOUN
fsr-3324	768	5	or	or	CCONJ
fsr-3324	768	6	more	more	ADJ
fsr-3324	768	7	in	in	ADP
fsr-3324	768	8	the	the	DET
fsr-3324	768	9	paycheck	paycheck	NOUN
fsr-3324	768	10	:	:	PUNCT
fsr-3324	768	11	does	do	AUX
fsr-3324	768	12	the	the	DET
fsr-3324	768	13	effectiveness	effectiveness	NOUN
fsr-3324	768	14	of	of	ADP
fsr-3324	768	15	fiscal	fiscal	ADJ
fsr-3324	768	16	stimulus	stimulus	NOUN
fsr-3324	768	17	depend	depend	VERB
fsr-3324	768	18	on	on	ADP
fsr-3324	768	19	how	how	SCONJ
fsr-3324	768	20	it	it	PRON
fsr-3324	768	21	is	be	AUX
fsr-3324	768	22	delivered	deliver	VERB
fsr-3324	768	23	?	?	PUNCT
fsr-3324	769	1	american	american	ADJ
fsr-3324	769	2	economic	economic	PROPN
fsr-3324	769	3	journal	journal	PROPN
fsr-3324	769	4	-	-	PUNCT
fsr-3324	769	5	economic	economic	ADJ
fsr-3324	769	6	policy	policy	NOUN
fsr-3324	769	7	,	,	PUNCT
fsr-3324	769	8	4	4	NUM
fsr-3324	769	9	,	,	PUNCT
fsr-3324	769	10	216–250	216–250	NUM
fsr-3324	769	11	.	.	PUNCT
fsr-3324	770	1	shapiro	shapiro	PROPN
fsr-3324	770	2	,	,	PUNCT
fsr-3324	770	3	m.	m.	NOUN
fsr-3324	770	4	d.	d.	PROPN
fsr-3324	770	5	,	,	PUNCT
fsr-3324	770	6	&	&	CCONJ
fsr-3324	770	7	slemrod	slemrod	PROPN
fsr-3324	770	8	,	,	PUNCT
fsr-3324	770	9	j.	j.	PROPN
fsr-3324	770	10	(	(	PUNCT
fsr-3324	770	11	1995	1995	NUM
fsr-3324	770	12	)	)	PUNCT
fsr-3324	770	13	.	.	PUNCT
fsr-3324	771	1	consumer	consumer	NOUN
fsr-3324	771	2	response	response	NOUN
fsr-3324	771	3	to	to	ADP
fsr-3324	771	4	the	the	DET
fsr-3324	771	5	timing	timing	NOUN
fsr-3324	771	6	of	of	ADP
fsr-3324	771	7	income	income	NOUN
fsr-3324	771	8	:	:	PUNCT
fsr-3324	771	9	evidence	evidence	NOUN
fsr-3324	771	10	from	from	ADP
fsr-3324	771	11	a	a	DET
fsr-3324	771	12	change	change	NOUN
fsr-3324	771	13	in	in	ADP
fsr-3324	771	14	tax	tax	NOUN
fsr-3324	771	15	withholding	withholding	NOUN
fsr-3324	771	16	.	.	PUNCT
fsr-3324	772	1	american	american	PROPN
fsr-3324	772	2	economic	economic	PROPN
fsr-3324	772	3	review	review	PROPN
fsr-3324	772	4	,	,	PUNCT
fsr-3324	772	5	85	85	NUM
fsr-3324	772	6	,	,	PUNCT
fsr-3324	772	7	274–283	274–283	NUM
fsr-3324	772	8	.	.	PUNCT
fsr-3324	773	1	shaprio	shaprio	PROPN
fsr-3324	773	2	,	,	PUNCT
fsr-3324	773	3	m.	m.	NOUN
fsr-3324	773	4	d.	d.	PROPN
fsr-3324	773	5	,	,	PUNCT
fsr-3324	773	6	&	&	CCONJ
fsr-3324	773	7	slemrod	slemrod	PROPN
fsr-3324	773	8	,	,	PUNCT
fsr-3324	773	9	j.	j.	PROPN
fsr-3324	773	10	(	(	PUNCT
fsr-3324	773	11	2003	2003	NUM
fsr-3324	773	12	)	)	PUNCT
fsr-3324	773	13	.	.	PUNCT
fsr-3324	774	1	did	do	AUX
fsr-3324	774	2	the	the	DET
fsr-3324	774	3	2001	2001	NUM
fsr-3324	774	4	tax	tax	NOUN
fsr-3324	774	5	rebate	rebate	NOUN
fsr-3324	774	6	stimulate	stimulate	VERB
fsr-3324	774	7	spending	spending	NOUN
fsr-3324	774	8	?	?	PUNCT
fsr-3324	775	1	evidence	evidence	NOUN
fsr-3324	775	2	from	from	ADP
fsr-3324	775	3	taxpayer	taxpayer	NOUN
fsr-3324	775	4	surveys	survey	NOUN
fsr-3324	775	5	.	.	PUNCT
fsr-3324	776	1	in	in	ADP
fsr-3324	776	2	j.	j.	PROPN
fsr-3324	776	3	m.	m.	PROPN
fsr-3324	776	4	poterba	poterba	PROPN
fsr-3324	776	5	(	(	PUNCT
fsr-3324	776	6	ed	ed	NOUN
fsr-3324	776	7	.	.	PUNCT
fsr-3324	776	8	)	)	PUNCT
fsr-3324	776	9	,	,	PUNCT
fsr-3324	776	10	tax	tax	NOUN
fsr-3324	776	11	policy	policy	NOUN
fsr-3324	776	12	and	and	CCONJ
fsr-3324	776	13	the	the	DET
fsr-3324	776	14	economy	economy	NOUN
fsr-3324	776	15	(	(	PUNCT
fsr-3324	776	16	pp	pp	ADJ
fsr-3324	776	17	.	.	PUNCT
fsr-3324	776	18	83–109	83–109	NUM
fsr-3324	776	19	)	)	PUNCT
fsr-3324	776	20	.	.	PUNCT
fsr-3324	777	1	cambridge	cambridge	PROPN
fsr-3324	777	2	,	,	PUNCT
fsr-3324	777	3	ma	ma	PROPN
fsr-3324	777	4	:	:	PUNCT
fsr-3324	777	5	national	national	PROPN
fsr-3324	777	6	bureau	bureau	PROPN
fsr-3324	777	7	of	of	ADP
fsr-3324	777	8	economic	economic	ADJ
fsr-3324	777	9	research	research	NOUN
fsr-3324	777	10	and	and	CCONJ
fsr-3324	777	11	mit	mit	PROPN
fsr-3324	777	12	press	press	NOUN
fsr-3324	777	13	.	.	PUNCT
fsr-3324	778	1	shefrin	shefrin	NOUN
fsr-3324	778	2	,	,	PUNCT
fsr-3324	778	3	h.	h.	PROPN
fsr-3324	778	4	m.	m.	PROPN
fsr-3324	778	5	,	,	PUNCT
fsr-3324	778	6	&	&	CCONJ
fsr-3324	778	7	thaler	thaler	PROPN
fsr-3324	778	8	,	,	PUNCT
fsr-3324	778	9	r.	r.	PROPN
fsr-3324	778	10	h.	h.	PROPN
fsr-3324	778	11	(	(	PUNCT
fsr-3324	778	12	1988	1988	NUM
fsr-3324	778	13	)	)	PUNCT
fsr-3324	778	14	.	.	PUNCT
fsr-3324	779	1	the	the	DET
fsr-3324	779	2	behavioral	behavioral	ADJ
fsr-3324	779	3	life	life	NOUN
fsr-3324	779	4	-	-	PUNCT
fsr-3324	779	5	cycle	cycle	NOUN
fsr-3324	779	6	hypothesis	hypothesis	NOUN
fsr-3324	779	7	.	.	PUNCT
fsr-3324	780	1	economic	economic	ADJ
fsr-3324	780	2	inquiry	inquiry	NOUN
fsr-3324	780	3	,	,	PUNCT
fsr-3324	780	4	26	26	NUM
fsr-3324	780	5	,	,	PUNCT
fsr-3324	780	6	609–643	609–643	NUM
fsr-3324	780	7	.	.	PUNCT
fsr-3324	781	1	312	312	NUM
fsr-3324	781	2	v.	v.	ADP
fsr-3324	781	3	chambers	chamber	NOUN
fsr-3324	781	4	et	et	PROPN
fsr-3324	781	5	al	al	PROPN
fsr-3324	781	6	.	.	PUNCT
fsr-3324	781	7	/	/	SYM
fsr-3324	781	8	financial	financial	ADJ
fsr-3324	781	9	services	service	NOUN
fsr-3324	781	10	review	review	VERB
fsr-3324	781	11	26	26	NUM
fsr-3324	781	12	(	(	PUNCT
fsr-3324	781	13	2017	2017	NUM
fsr-3324	781	14	)	)	PUNCT
fsr-3324	781	15	291–313	291–313	NUM
fsr-3324	781	16	sheppard	sheppard	NOUN
fsr-3324	781	17	,	,	PUNCT
fsr-3324	781	18	b.	b.	PROPN
fsr-3324	781	19	,	,	PUNCT
fsr-3324	781	20	hartwick	hartwick	PROPN
fsr-3324	781	21	,	,	PUNCT
fsr-3324	781	22	j.	j.	PROPN
fsr-3324	781	23	,	,	PUNCT
fsr-3324	781	24	&	&	CCONJ
fsr-3324	781	25	warshaw	warshaw	PROPN
fsr-3324	781	26	,	,	PUNCT
fsr-3324	781	27	p.	p.	NOUN
fsr-3324	781	28	(	(	PUNCT
fsr-3324	781	29	1988	1988	NUM
fsr-3324	781	30	)	)	PUNCT
fsr-3324	781	31	.	.	PUNCT
fsr-3324	782	1	the	the	DET
fsr-3324	782	2	theory	theory	NOUN
fsr-3324	782	3	of	of	ADP
fsr-3324	782	4	reasoned	reasoned	ADJ
fsr-3324	782	5	action	action	NOUN
fsr-3324	782	6	:	:	PUNCT
fsr-3324	782	7	a	a	DET
fsr-3324	782	8	meta	meta	ADJ
fsr-3324	782	9	-	-	PUNCT
fsr-3324	782	10	analysis	analysis	NOUN
fsr-3324	782	11	of	of	ADP
fsr-3324	782	12	past	past	ADJ
fsr-3324	782	13	research	research	NOUN
fsr-3324	782	14	with	with	ADP
fsr-3324	782	15	recommendations	recommendation	NOUN
fsr-3324	782	16	for	for	ADP
fsr-3324	782	17	modifications	modification	NOUN
fsr-3324	782	18	and	and	CCONJ
fsr-3324	782	19	future	future	ADJ
fsr-3324	782	20	research	research	NOUN
fsr-3324	782	21	.	.	PUNCT
fsr-3324	783	1	journal	journal	NOUN
fsr-3324	783	2	of	of	ADP
fsr-3324	783	3	consumer	consumer	NOUN
fsr-3324	783	4	research	research	NOUN
fsr-3324	783	5	,	,	PUNCT
fsr-3324	783	6	15	15	NUM
fsr-3324	783	7	,	,	PUNCT
fsr-3324	783	8	325–343	325–343	NUM
fsr-3324	783	9	.	.	PUNCT
fsr-3324	784	1	slemrod	slemrod	NOUN
fsr-3324	784	2	,	,	PUNCT
fsr-3324	784	3	j.	j.	PROPN
fsr-3324	784	4	,	,	PUNCT
fsr-3324	784	5	&	&	CCONJ
fsr-3324	784	6	bakija	bakija	PROPN
fsr-3324	784	7	,	,	PUNCT
fsr-3324	784	8	j.	j.	PROPN
fsr-3324	784	9	(	(	PUNCT
fsr-3324	784	10	2004	2004	NUM
fsr-3324	784	11	)	)	PUNCT
fsr-3324	784	12	.	.	PUNCT
fsr-3324	785	1	taxing	tax	VERB
fsr-3324	785	2	ourselves	ourselves	PRON
fsr-3324	785	3	:	:	PUNCT
fsr-3324	785	4	a	a	DET
fsr-3324	785	5	citizen	citizen	NOUN
fsr-3324	785	6	’s	’s	PART
fsr-3324	785	7	guide	guide	NOUN
fsr-3324	785	8	to	to	ADP
fsr-3324	785	9	the	the	DET
fsr-3324	785	10	debate	debate	NOUN
fsr-3324	785	11	over	over	ADP
fsr-3324	785	12	taxes	taxis	NOUN
fsr-3324	785	13	(	(	PUNCT
fsr-3324	785	14	3rd	3rd	ADJ
fsr-3324	785	15	ed	ed	NOUN
fsr-3324	785	16	.	.	PUNCT
fsr-3324	785	17	)	)	PUNCT
fsr-3324	785	18	.	.	PUNCT
fsr-3324	786	1	cambridge	cambridge	PROPN
fsr-3324	786	2	,	,	PUNCT
fsr-3324	786	3	ma	ma	PROPN
fsr-3324	786	4	:	:	PUNCT
fsr-3324	786	5	the	the	DET
fsr-3324	786	6	mit	mit	PROPN
fsr-3324	786	7	press	press	NOUN
fsr-3324	786	8	.	.	PUNCT
fsr-3324	787	1	souleles	soulele	NOUN
fsr-3324	787	2	,	,	PUNCT
fsr-3324	787	3	n.	n.	PROPN
fsr-3324	787	4	s.	s.	PROPN
fsr-3324	787	5	(	(	PUNCT
fsr-3324	787	6	2002	2002	NUM
fsr-3324	787	7	)	)	PUNCT
fsr-3324	787	8	.	.	PUNCT
fsr-3324	788	1	consumer	consumer	NOUN
fsr-3324	788	2	response	response	NOUN
fsr-3324	788	3	to	to	ADP
fsr-3324	788	4	the	the	DET
fsr-3324	788	5	reagan	reagan	PROPN
fsr-3324	788	6	tax	tax	NOUN
fsr-3324	788	7	cuts	cut	NOUN
fsr-3324	788	8	.	.	PUNCT
fsr-3324	789	1	journal	journal	NOUN
fsr-3324	789	2	of	of	ADP
fsr-3324	789	3	public	public	ADJ
fsr-3324	789	4	economics	economic	NOUN
fsr-3324	789	5	,	,	PUNCT
fsr-3324	789	6	85	85	NUM
fsr-3324	789	7	,	,	PUNCT
fsr-3324	789	8	99–120	99–120	NUM
fsr-3324	789	9	.	.	PUNCT
fsr-3324	789	10	spencer	spencer	PROPN
fsr-3324	789	11	,	,	PUNCT
fsr-3324	789	12	m.	m.	NOUN
fsr-3324	789	13	,	,	PUNCT
fsr-3324	789	14	&	&	CCONJ
fsr-3324	789	15	chambers	chamber	NOUN
fsr-3324	789	16	,	,	PUNCT
fsr-3324	789	17	v.	v.	PROPN
fsr-3324	789	18	(	(	PUNCT
fsr-3324	789	19	2012	2012	NUM
fsr-3324	789	20	)	)	PUNCT
fsr-3324	789	21	.	.	PUNCT
fsr-3324	790	1	national	national	ADJ
fsr-3324	790	2	heuristic	heuristic	ADJ
fsr-3324	790	3	shift	shift	NOUN
fsr-3324	790	4	toward	toward	ADP
fsr-3324	790	5	saving	save	VERB
fsr-3324	790	6	any	any	DET
fsr-3324	790	7	form	form	NOUN
fsr-3324	790	8	of	of	ADP
fsr-3324	790	9	tax	tax	NOUN
fsr-3324	790	10	rebate	rebate	NOUN
fsr-3324	790	11	.	.	PUNCT
fsr-3324	791	1	accounting	accounting	NOUN
fsr-3324	791	2	and	and	CCONJ
fsr-3324	791	3	the	the	DET
fsr-3324	791	4	public	public	ADJ
fsr-3324	791	5	interest	interest	NOUN
fsr-3324	791	6	,	,	PUNCT
fsr-3324	791	7	12	12	NUM
fsr-3324	791	8	,	,	PUNCT
fsr-3324	791	9	1–31	1–31	PROPN
fsr-3324	791	10	.	.	PUNCT
fsr-3324	792	1	sprenger	sprenger	PROPN
fsr-3324	792	2	,	,	PUNCT
fsr-3324	792	3	c.	c.	PROPN
fsr-3324	792	4	,	,	PUNCT
fsr-3324	792	5	&	&	CCONJ
fsr-3324	792	6	stavins	stavin	NOUN
fsr-3324	792	7	,	,	PUNCT
fsr-3324	792	8	j.	j.	PROPN
fsr-3324	792	9	(	(	PUNCT
fsr-3324	792	10	2010	2010	NUM
fsr-3324	792	11	)	)	PUNCT
fsr-3324	792	12	.	.	PUNCT
fsr-3324	793	1	credit	credit	NOUN
fsr-3324	793	2	card	card	NOUN
fsr-3324	793	3	debt	debt	NOUN
fsr-3324	793	4	and	and	CCONJ
fsr-3324	793	5	payment	payment	NOUN
fsr-3324	793	6	use	use	NOUN
fsr-3324	793	7	.	.	PUNCT
fsr-3324	794	1	financial	financial	ADJ
fsr-3324	794	2	services	service	NOUN
fsr-3324	794	3	review	review	PROPN
fsr-3324	794	4	,	,	PUNCT
fsr-3324	794	5	19	19	NUM
fsr-3324	794	6	,	,	PUNCT
fsr-3324	794	7	17–35	17–35	NUM
fsr-3324	794	8	.	.	PUNCT
fsr-3324	795	1	thaler	thaler	PROPN
fsr-3324	795	2	,	,	PUNCT
fsr-3324	795	3	r.	r.	PROPN
fsr-3324	795	4	h.	h.	PROPN
fsr-3324	795	5	(	(	PUNCT
fsr-3324	795	6	1999	1999	NUM
fsr-3324	795	7	)	)	PUNCT
fsr-3324	795	8	.	.	PUNCT
fsr-3324	796	1	mental	mental	ADJ
fsr-3324	796	2	accounting	accounting	NOUN
fsr-3324	796	3	matters	matter	NOUN
fsr-3324	796	4	.	.	PUNCT
fsr-3324	797	1	journal	journal	NOUN
fsr-3324	797	2	of	of	ADP
fsr-3324	797	3	behavioral	behavioral	ADJ
fsr-3324	797	4	decision	decision	NOUN
fsr-3324	797	5	making	making	NOUN
fsr-3324	797	6	,	,	PUNCT
fsr-3324	797	7	12	12	NUM
fsr-3324	797	8	,	,	PUNCT
fsr-3324	797	9	183–206	183–206	NUM
fsr-3324	797	10	.	.	PUNCT
fsr-3324	798	1	trump	trump	NOUN
fsr-3324	798	2	,	,	PUNCT
fsr-3324	798	3	r.	r.	PROPN
fsr-3324	798	4	k.	k.	PROPN
fsr-3324	798	5	,	,	PUNCT
fsr-3324	798	6	finkelstein	finkelstein	PROPN
fsr-3324	798	7	,	,	PUNCT
fsr-3324	798	8	s.	s.	PROPN
fsr-3324	798	9	r.	r.	PROPN
fsr-3324	798	10	,	,	PUNCT
fsr-3324	798	11	&	&	CCONJ
fsr-3324	798	12	connell	connell	PROPN
fsr-3324	798	13	,	,	PUNCT
fsr-3324	798	14	p.	p.	NOUN
fsr-3324	798	15	m.	m.	NOUN
fsr-3324	798	16	(	(	PUNCT
fsr-3324	798	17	2015	2015	NUM
fsr-3324	798	18	)	)	PUNCT
fsr-3324	798	19	.	.	PUNCT
fsr-3324	799	1	i	i	PRON
fsr-3324	799	2	will	will	AUX
fsr-3324	799	3	risk	risk	VERB
fsr-3324	799	4	a	a	DET
fsr-3324	799	5	stranger	stranger	NOUN
fsr-3324	799	6	’s	’s	PART
fsr-3324	799	7	money	money	NOUN
fsr-3324	799	8	,	,	PUNCT
fsr-3324	799	9	but	but	CCONJ
fsr-3324	799	10	not	not	PART
fsr-3324	799	11	my	my	PRON
fsr-3324	799	12	own	own	ADJ
fsr-3324	799	13	or	or	CCONJ
fsr-3324	799	14	my	my	PRON
fsr-3324	799	15	friend	friend	NOUN
fsr-3324	799	16	’s	’s	PART
fsr-3324	799	17	money	money	NOUN
fsr-3324	799	18	:	:	PUNCT
fsr-3324	799	19	effect	effect	NOUN
fsr-3324	799	20	of	of	ADP
fsr-3324	799	21	proximity	proximity	NOUN
fsr-3324	799	22	of	of	ADP
fsr-3324	799	23	the	the	DET
fsr-3324	799	24	money	money	NOUN
fsr-3324	799	25	source	source	NOUN
fsr-3324	799	26	to	to	ADP
fsr-3324	799	27	the	the	DET
fsr-3324	799	28	self	self	NOUN
fsr-3324	799	29	on	on	ADP
fsr-3324	799	30	financial	financial	ADJ
fsr-3324	799	31	risk	risk	NOUN
fsr-3324	799	32	-	-	PUNCT
fsr-3324	799	33	taking	taking	NOUN
fsr-3324	799	34	.	.	PUNCT
fsr-3324	800	1	marketing	marketing	NOUN
fsr-3324	800	2	letters	letter	NOUN
fsr-3324	800	3	,	,	PUNCT
fsr-3324	800	4	26	26	NUM
fsr-3324	800	5	,	,	PUNCT
fsr-3324	800	6	501–512	501–512	NUM
fsr-3324	800	7	.	.	PUNCT
fsr-3324	801	1	walters	walters	PROPN
fsr-3324	801	2	-	-	PUNCT
fsr-3324	801	3	york	york	PROPN
fsr-3324	801	4	,	,	PUNCT
fsr-3324	801	5	l.	l.	PROPN
fsr-3324	801	6	m.	m.	PROPN
fsr-3324	801	7	,	,	PUNCT
fsr-3324	801	8	&	&	CCONJ
fsr-3324	801	9	curatola	curatola	PROPN
fsr-3324	801	10	,	,	PUNCT
fsr-3324	801	11	a.	a.	NOUN
fsr-3324	801	12	p.	p.	NOUN
fsr-3324	801	13	(	(	PUNCT
fsr-3324	801	14	1998	1998	NUM
fsr-3324	801	15	)	)	PUNCT
fsr-3324	801	16	.	.	PUNCT
fsr-3324	802	1	recent	recent	ADJ
fsr-3324	802	2	evidence	evidence	NOUN
fsr-3324	802	3	on	on	ADP
fsr-3324	802	4	the	the	DET
fsr-3324	802	5	use	use	NOUN
fsr-3324	802	6	of	of	ADP
fsr-3324	802	7	students	student	NOUN
fsr-3324	802	8	as	as	ADP
fsr-3324	802	9	surrogates	surrogate	NOUN
fsr-3324	802	10	subjects	subject	NOUN
fsr-3324	802	11	.	.	PUNCT
fsr-3324	803	1	advances	advance	NOUN
fsr-3324	803	2	in	in	ADP
fsr-3324	803	3	accounting	account	VERB
fsr-3324	803	4	behavioral	behavioral	ADJ
fsr-3324	803	5	research	research	NOUN
fsr-3324	803	6	,	,	PUNCT
fsr-3324	803	7	1	1	NUM
fsr-3324	803	8	,	,	PUNCT
fsr-3324	803	9	123–143	123–143	NUM
fsr-3324	803	10	.	.	PUNCT
fsr-3324	804	1	wertenbroch	wertenbroch	NOUN
fsr-3324	804	2	,	,	PUNCT
fsr-3324	804	3	k.	k.	PROPN
fsr-3324	804	4	(	(	PUNCT
fsr-3324	804	5	2003	2003	NUM
fsr-3324	804	6	)	)	PUNCT
fsr-3324	804	7	.	.	PUNCT
fsr-3324	805	1	“	"	PUNCT
fsr-3324	805	2	self	self	NOUN
fsr-3324	805	3	-	-	PUNCT
fsr-3324	805	4	rationing	rationing	NOUN
fsr-3324	805	5	:	:	PUNCT
fsr-3324	805	6	self	self	NOUN
fsr-3324	805	7	-	-	PUNCT
fsr-3324	805	8	control	control	NOUN
fsr-3324	805	9	in	in	ADP
fsr-3324	805	10	consumer	consumer	NOUN
fsr-3324	805	11	choice	choice	NOUN
fsr-3324	805	12	,	,	PUNCT
fsr-3324	805	13	”	"	PUNCT
fsr-3324	805	14	in	in	ADP
fsr-3324	805	15	g.	g.	PROPN
fsr-3324	805	16	loewenstein	loewenstein	PROPN
fsr-3324	805	17	,	,	PUNCT
fsr-3324	805	18	d.	d.	PROPN
fsr-3324	805	19	read	read	PROPN
fsr-3324	805	20	,	,	PUNCT
fsr-3324	805	21	r.	r.	PROPN
fsr-3324	805	22	baumeister	baumeister	PROPN
fsr-3324	805	23	(	(	PUNCT
fsr-3324	805	24	eds	ed	NOUN
fsr-3324	805	25	)	)	PUNCT
fsr-3324	805	26	,	,	PUNCT
fsr-3324	805	27	time	time	NOUN
fsr-3324	805	28	and	and	CCONJ
fsr-3324	805	29	decision	decision	NOUN
fsr-3324	805	30	:	:	PUNCT
fsr-3324	805	31	economic	economic	ADJ
fsr-3324	805	32	and	and	CCONJ
fsr-3324	805	33	psychological	psychological	ADJ
fsr-3324	805	34	perspectives	perspective	NOUN
fsr-3324	805	35	on	on	ADP
fsr-3324	805	36	intertemporal	intertemporal	ADJ
fsr-3324	805	37	choice	choice	NOUN
fsr-3324	805	38	,	,	PUNCT
fsr-3324	805	39	russell	russell	PROPN
fsr-3324	805	40	sage	sage	PROPN
fsr-3324	805	41	foundation	foundation	PROPN
fsr-3324	805	42	,	,	PUNCT
fsr-3324	805	43	new	new	PROPN
fsr-3324	805	44	york	york	PROPN
fsr-3324	805	45	(	(	PUNCT
fsr-3324	805	46	2003	2003	NUM
fsr-3324	805	47	)	)	PUNCT
fsr-3324	805	48	,	,	PUNCT
fsr-3324	805	49	pp	pp	ADP
fsr-3324	805	50	491–516	491–516	NUM
fsr-3324	805	51	.	.	PUNCT
fsr-3324	806	1	winkelmann	winkelmann	PROPN
fsr-3324	806	2	,	,	PUNCT
fsr-3324	806	3	r.	r.	PROPN
fsr-3324	806	4	,	,	PUNCT
fsr-3324	806	5	oswald	oswald	PROPN
fsr-3324	806	6	,	,	PUNCT
fsr-3324	806	7	a.	a.	PROPN
fsr-3324	806	8	j.	j.	PROPN
fsr-3324	806	9	,	,	PUNCT
fsr-3324	806	10	&	&	CCONJ
fsr-3324	806	11	powdthavee	powdthavee	PROPN
fsr-3324	806	12	,	,	PUNCT
fsr-3324	806	13	n.	n.	NOUN
fsr-3324	806	14	(	(	PUNCT
fsr-3324	806	15	2011	2011	NUM
fsr-3324	806	16	,	,	PUNCT
fsr-3324	806	17	august	august	PROPN
fsr-3324	806	18	)	)	PUNCT
fsr-3324	806	19	.	.	PUNCT
fsr-3324	807	1	what	what	PRON
fsr-3324	807	2	happens	happen	VERB
fsr-3324	807	3	to	to	ADP
fsr-3324	807	4	people	people	NOUN
fsr-3324	807	5	after	after	ADP
fsr-3324	807	6	winning	win	VERB
fsr-3324	807	7	the	the	DET
fsr-3324	807	8	lottery	lottery	NOUN
fsr-3324	807	9	?	?	PUNCT
fsr-3324	808	1	european	european	ADJ
fsr-3324	808	2	economic	economic	PROPN
fsr-3324	808	3	association	association	PROPN
fsr-3324	808	4	&	&	CCONJ
fsr-3324	808	5	econometric	econometric	PROPN
fsr-3324	808	6	society	society	PROPN
fsr-3324	808	7	parallel	parallel	ADJ
fsr-3324	808	8	meetings	meeting	NOUN
fsr-3324	808	9	(	(	PUNCT
fsr-3324	808	10	pp	pp	ADJ
fsr-3324	808	11	.	.	PUNCT
fsr-3324	808	12	25–29	25–29	NUM
fsr-3324	808	13	)	)	PUNCT
fsr-3324	808	14	.	.	PUNCT
fsr-3324	809	1	zagorsky	zagorsky	PROPN
fsr-3324	809	2	,	,	PUNCT
fsr-3324	809	3	j.	j.	PROPN
fsr-3324	809	4	l.	l.	PROPN
fsr-3324	809	5	(	(	PUNCT
fsr-3324	809	6	2013	2013	NUM
fsr-3324	809	7	)	)	PUNCT
fsr-3324	809	8	.	.	PUNCT
fsr-3324	810	1	do	do	AUX
fsr-3324	810	2	people	people	NOUN
fsr-3324	810	3	save	save	VERB
fsr-3324	810	4	or	or	CCONJ
fsr-3324	810	5	spend	spend	VERB
fsr-3324	810	6	their	their	PRON
fsr-3324	810	7	inheritances	inheritance	NOUN
fsr-3324	810	8	?	?	PUNCT
fsr-3324	811	1	understanding	understand	VERB
fsr-3324	811	2	what	what	PRON
fsr-3324	811	3	happens	happen	VERB
fsr-3324	811	4	to	to	ADP
fsr-3324	811	5	inherited	inherit	VERB
fsr-3324	811	6	wealth	wealth	NOUN
fsr-3324	811	7	.	.	PUNCT
fsr-3324	812	1	journal	journal	PROPN
fsr-3324	812	2	of	of	ADP
fsr-3324	812	3	family	family	NOUN
fsr-3324	812	4	economic	economic	ADJ
fsr-3324	812	5	issues	issue	NOUN
fsr-3324	812	6	,	,	PUNCT
fsr-3324	812	7	34	34	NUM
fsr-3324	812	8	,	,	PUNCT
fsr-3324	812	9	64–76	64–76	PROPN
fsr-3324	812	10	.	.	PUNCT
fsr-3324	813	1	313v	313v	PROPN
fsr-3324	813	2	.	.	PUNCT
fsr-3324	814	1	chambers	chamber	NOUN
fsr-3324	814	2	et	et	PROPN
fsr-3324	814	3	al	al	PROPN
fsr-3324	814	4	.	.	PUNCT
fsr-3324	814	5	/	/	SYM
fsr-3324	814	6	financial	financial	ADJ
fsr-3324	814	7	services	service	NOUN
fsr-3324	814	8	review	review	VERB
fsr-3324	814	9	26	26	NUM
fsr-3324	814	10	(	(	PUNCT
fsr-3324	814	11	2017	2017	NUM
fsr-3324	814	12	)	)	PUNCT
fsr-3324	815	1	291–313	291–313	NUM