id	sid	tid	token	lemma	pos
fsr-3358	1	1	financial	financial	PROPN
fsr-3358	1	2	services	service	NOUN
fsr-3358	1	3	review	review	NOUN
fsr-3358	1	4	,	,	PUNCT
fsr-3358	1	5	32(2	32(2	NUM
fsr-3358	1	6	)	)	PUNCT
fsr-3358	1	7	1	1	NUM
fsr-3358	1	8	unveiling	unveil	VERB
fsr-3358	1	9	the	the	DET
fsr-3358	1	10	winning	win	VERB
fsr-3358	1	11	contribution	contribution	NOUN
fsr-3358	1	12	patterns	pattern	NOUN
fsr-3358	1	13	for	for	ADP
fsr-3358	1	14	enhanced	enhanced	ADJ
fsr-3358	1	15	financial	financial	ADJ
fsr-3358	1	16	health	health	NOUN
fsr-3358	1	17	chuck	chuck	PROPN
fsr-3358	1	18	grace,1	grace,1	PROPN
fsr-3358	1	19	adam	adam	PROPN
fsr-3358	1	20	metzler,2	metzler,2	PROPN
fsr-3358	1	21	yang	yang	PROPN
fsr-3358	1	22	miao,3	miao,3	PROPN
fsr-3358	1	23	longlong	longlong	PROPN
fsr-3358	1	24	feng,4	feng,4	NOUN
fsr-3358	1	25	and	and	CCONJ
fsr-3358	1	26	alireza	alireza	PROPN
fsr-3358	1	27	fazeli5	fazeli5	PROPN
fsr-3358	2	1	abstract	abstract	ADV
fsr-3358	2	2	by	by	ADP
fsr-3358	2	3	middle	middle	ADJ
fsr-3358	2	4	age	age	NOUN
fsr-3358	2	5	many	many	ADJ
fsr-3358	2	6	investors	investor	NOUN
fsr-3358	2	7	have	have	AUX
fsr-3358	2	8	accumulated	accumulate	VERB
fsr-3358	2	9	nest	nest	NOUN
fsr-3358	2	10	eggs	egg	NOUN
fsr-3358	2	11	of	of	ADP
fsr-3358	2	12	comparable	comparable	ADJ
fsr-3358	2	13	size	size	NOUN
fsr-3358	2	14	to	to	ADP
fsr-3358	2	15	their	their	PRON
fsr-3358	2	16	annual	annual	ADJ
fsr-3358	2	17	salary	salary	NOUN
fsr-3358	2	18	.	.	PUNCT
fsr-3358	3	1	in	in	ADP
fsr-3358	3	2	this	this	DET
fsr-3358	3	3	case	case	NOUN
fsr-3358	3	4	an	an	DET
fsr-3358	3	5	additional	additional	ADJ
fsr-3358	3	6	percentage	percentage	NOUN
fsr-3358	3	7	point	point	NOUN
fsr-3358	3	8	of	of	ADP
fsr-3358	3	9	returns	return	NOUN
fsr-3358	3	10	has	have	VERB
fsr-3358	3	11	the	the	DET
fsr-3358	3	12	same	same	ADJ
fsr-3358	3	13	mathematical	mathematical	ADJ
fsr-3358	3	14	impact	impact	NOUN
fsr-3358	3	15	on	on	ADP
fsr-3358	3	16	their	their	PRON
fsr-3358	3	17	wealth	wealth	NOUN
fsr-3358	3	18	as	as	ADP
fsr-3358	3	19	a	a	DET
fsr-3358	3	20	percentage	percentage	NOUN
fsr-3358	3	21	point	point	NOUN
fsr-3358	3	22	of	of	ADP
fsr-3358	3	23	savings	saving	NOUN
fsr-3358	3	24	rate	rate	NOUN
fsr-3358	3	25	.	.	PUNCT
fsr-3358	4	1	however	however	ADV
fsr-3358	4	2	,	,	PUNCT
fsr-3358	4	3	while	while	SCONJ
fsr-3358	4	4	savings	saving	NOUN
fsr-3358	4	5	rate	rate	NOUN
fsr-3358	4	6	falls	fall	VERB
fsr-3358	4	7	under	under	ADP
fsr-3358	4	8	the	the	DET
fsr-3358	4	9	direct	direct	ADJ
fsr-3358	4	10	control	control	NOUN
fsr-3358	4	11	of	of	ADP
fsr-3358	4	12	the	the	DET
fsr-3358	4	13	investors	investor	NOUN
fsr-3358	4	14	,	,	PUNCT
fsr-3358	4	15	investment	investment	NOUN
fsr-3358	4	16	returns	return	NOUN
fsr-3358	4	17	only	only	ADV
fsr-3358	4	18	very	very	ADV
fsr-3358	4	19	weakly	weakly	ADV
fsr-3358	4	20	so	so	ADV
fsr-3358	4	21	.	.	PUNCT
fsr-3358	5	1	what	what	PRON
fsr-3358	5	2	is	be	AUX
fsr-3358	5	3	the	the	DET
fsr-3358	5	4	experience	experience	NOUN
fsr-3358	5	5	of	of	ADP
fsr-3358	5	6	actual	actual	ADJ
fsr-3358	5	7	investing	invest	VERB
fsr-3358	5	8	canadians	canadian	NOUN
fsr-3358	5	9	in	in	ADP
fsr-3358	5	10	facing	face	VERB
fsr-3358	5	11	this	this	DET
fsr-3358	5	12	circumstance	circumstance	NOUN
fsr-3358	5	13	?	?	PUNCT
fsr-3358	6	1	studying	study	VERB
fsr-3358	6	2	this	this	DET
fsr-3358	6	3	topic	topic	NOUN
fsr-3358	6	4	is	be	AUX
fsr-3358	6	5	important	important	ADJ
fsr-3358	6	6	because	because	SCONJ
fsr-3358	6	7	,	,	PUNCT
fsr-3358	6	8	despite	despite	SCONJ
fsr-3358	6	9	extensive	extensive	ADJ
fsr-3358	6	10	attention	attention	NOUN
fsr-3358	6	11	to	to	ADP
fsr-3358	6	12	the	the	DET
fsr-3358	6	13	topic	topic	NOUN
fsr-3358	6	14	,	,	PUNCT
fsr-3358	6	15	savings	saving	NOUN
fsr-3358	6	16	rates	rate	NOUN
fsr-3358	6	17	in	in	ADP
fsr-3358	6	18	canada	canada	PROPN
fsr-3358	6	19	have	have	AUX
fsr-3358	6	20	been	be	AUX
fsr-3358	6	21	slowly	slowly	ADV
fsr-3358	6	22	eroding	erode	VERB
fsr-3358	6	23	for	for	ADP
fsr-3358	6	24	over	over	ADP
fsr-3358	6	25	20	20	NUM
fsr-3358	6	26	-	-	PUNCT
fsr-3358	6	27	years	year	NOUN
fsr-3358	6	28	.	.	PUNCT
fsr-3358	7	1	we	we	PRON
fsr-3358	7	2	examine	examine	VERB
fsr-3358	7	3	how	how	SCONJ
fsr-3358	7	4	accumulation	accumulation	NOUN
fsr-3358	7	5	patterns	pattern	NOUN
fsr-3358	7	6	impact	impact	NOUN
fsr-3358	7	7	investor	investor	NOUN
fsr-3358	7	8	outcomes	outcome	NOUN
fsr-3358	7	9	by	by	ADP
fsr-3358	7	10	examining	examine	VERB
fsr-3358	7	11	their	their	PRON
fsr-3358	7	12	investment	investment	NOUN
fsr-3358	7	13	transactions	transaction	NOUN
fsr-3358	7	14	,	,	PUNCT
fsr-3358	7	15	over	over	ADP
fsr-3358	7	16	a	a	DET
fsr-3358	7	17	three	three	NUM
fsr-3358	7	18	-	-	PUNCT
fsr-3358	7	19	year	year	NOUN
fsr-3358	7	20	period	period	NOUN
fsr-3358	7	21	ending	end	VERB
fsr-3358	7	22	in	in	ADP
fsr-3358	7	23	august	august	PROPN
fsr-3358	7	24	2022	2022	NUM
fsr-3358	7	25	,	,	PUNCT
fsr-3358	7	26	using	use	VERB
fsr-3358	7	27	advanced	advanced	ADJ
fsr-3358	7	28	data	datum	NOUN
fsr-3358	7	29	analytics	analytic	NOUN
fsr-3358	7	30	in	in	ADP
fsr-3358	7	31	the	the	DET
fsr-3358	7	32	form	form	NOUN
fsr-3358	7	33	of	of	ADP
fsr-3358	7	34	machine	machine	NOUN
fsr-3358	7	35	learning	learn	VERB
fsr-3358	7	36	to	to	PART
fsr-3358	7	37	explore	explore	VERB
fsr-3358	7	38	previously	previously	ADV
fsr-3358	7	39	unknown	unknown	ADJ
fsr-3358	7	40	patterns	pattern	NOUN
fsr-3358	7	41	.	.	PUNCT
fsr-3358	8	1	this	this	DET
fsr-3358	8	2	paper	paper	NOUN
fsr-3358	8	3	gives	give	VERB
fsr-3358	8	4	the	the	DET
fsr-3358	8	5	resounding	resounding	ADJ
fsr-3358	8	6	answer	answer	NOUN
fsr-3358	8	7	that	that	SCONJ
fsr-3358	8	8	investors	investor	NOUN
fsr-3358	8	9	are	be	AUX
fsr-3358	8	10	overwhelmingly	overwhelmingly	ADV
fsr-3358	8	11	likely	likely	ADJ
fsr-3358	8	12	to	to	PART
fsr-3358	8	13	be	be	AUX
fsr-3358	8	14	better	well	ADV
fsr-3358	8	15	served	serve	VERB
fsr-3358	8	16	by	by	ADP
fsr-3358	8	17	a	a	DET
fsr-3358	8	18	focus	focus	NOUN
fsr-3358	8	19	on	on	ADP
fsr-3358	8	20	savings	saving	NOUN
fsr-3358	8	21	rather	rather	ADV
fsr-3358	8	22	than	than	ADP
fsr-3358	8	23	on	on	ADP
fsr-3358	8	24	returns	return	NOUN
fsr-3358	8	25	.	.	PUNCT
fsr-3358	9	1	we	we	PRON
fsr-3358	9	2	conclude	conclude	VERB
fsr-3358	9	3	that	that	SCONJ
fsr-3358	9	4	a	a	DET
fsr-3358	9	5	consistent	consistent	ADJ
fsr-3358	9	6	pattern	pattern	NOUN
fsr-3358	9	7	of	of	ADP
fsr-3358	9	8	saving	saving	NOUN
fsr-3358	9	9	is	be	AUX
fsr-3358	9	10	a	a	DET
fsr-3358	9	11	‘	'	PUNCT
fsr-3358	9	12	winning	win	VERB
fsr-3358	9	13	’	'	PUNCT
fsr-3358	9	14	strategy	strategy	NOUN
fsr-3358	9	15	for	for	ADP
fsr-3358	9	16	wealth	wealth	NOUN
fsr-3358	9	17	accumulation	accumulation	NOUN
fsr-3358	9	18	.	.	PUNCT
fsr-3358	10	1	saving	save	VERB
fsr-3358	10	2	patterns	pattern	NOUN
fsr-3358	10	3	were	be	AUX
fsr-3358	10	4	by	by	ADP
fsr-3358	10	5	far	far	ADV
fsr-3358	10	6	the	the	DET
fsr-3358	10	7	most	most	ADV
fsr-3358	10	8	powerful	powerful	ADJ
fsr-3358	10	9	determinant	determinant	ADJ
fsr-3358	10	10	of	of	ADP
fsr-3358	10	11	lifetime	lifetime	NOUN
fsr-3358	10	12	utility	utility	NOUN
fsr-3358	10	13	.	.	PUNCT
fsr-3358	11	1	the	the	DET
fsr-3358	11	2	simple	simple	ADJ
fsr-3358	11	3	act	act	NOUN
fsr-3358	11	4	of	of	ADP
fsr-3358	11	5	opening	open	VERB
fsr-3358	11	6	an	an	DET
fsr-3358	11	7	account	account	NOUN
fsr-3358	11	8	and	and	CCONJ
fsr-3358	11	9	automated	automate	VERB
fsr-3358	11	10	regular	regular	ADJ
fsr-3358	11	11	contributions	contribution	NOUN
fsr-3358	11	12	is	be	AUX
fsr-3358	11	13	the	the	DET
fsr-3358	11	14	most	most	ADV
fsr-3358	11	15	powerful	powerful	ADJ
fsr-3358	11	16	technique	technique	NOUN
fsr-3358	11	17	that	that	SCONJ
fsr-3358	11	18	investors	investor	NOUN
fsr-3358	11	19	,	,	PUNCT
fsr-3358	11	20	policy	policy	NOUN
fsr-3358	11	21	makers	maker	NOUN
fsr-3358	11	22	,	,	PUNCT
fsr-3358	11	23	asset	asset	NOUN
fsr-3358	11	24	managers	manager	NOUN
fsr-3358	11	25	and	and	CCONJ
fsr-3358	11	26	advisors	advisor	NOUN
fsr-3358	11	27	can	can	AUX
fsr-3358	11	28	deploy	deploy	VERB
fsr-3358	11	29	in	in	ADP
fsr-3358	11	30	the	the	DET
fsr-3358	11	31	pursuit	pursuit	NOUN
fsr-3358	11	32	of	of	ADP
fsr-3358	11	33	wealth	wealth	NOUN
fsr-3358	11	34	accumulation	accumulation	NOUN
fsr-3358	11	35	.	.	PUNCT
fsr-3358	12	1	despite	despite	SCONJ
fsr-3358	12	2	this	this	DET
fsr-3358	12	3	conclusion	conclusion	NOUN
fsr-3358	12	4	we	we	PRON
fsr-3358	12	5	observed	observe	VERB
fsr-3358	12	6	that	that	SCONJ
fsr-3358	12	7	most	most	ADJ
fsr-3358	12	8	of	of	ADP
fsr-3358	12	9	the	the	DET
fsr-3358	12	10	investors	investor	NOUN
fsr-3358	12	11	in	in	ADP
fsr-3358	12	12	this	this	DET
fsr-3358	12	13	study	study	NOUN
fsr-3358	12	14	did	do	AUX
fsr-3358	12	15	not	not	PART
fsr-3358	12	16	appear	appear	VERB
fsr-3358	12	17	to	to	PART
fsr-3358	12	18	follow	follow	VERB
fsr-3358	12	19	a	a	DET
fsr-3358	12	20	strong	strong	ADJ
fsr-3358	12	21	saving	saving	NOUN
fsr-3358	12	22	strategy	strategy	NOUN
fsr-3358	12	23	.	.	PUNCT
fsr-3358	13	1	creative	creative	ADJ
fsr-3358	13	2	commons	commons	PROPN
fsr-3358	13	3	license	license	NOUN
fsr-3358	13	4	this	this	DET
fsr-3358	13	5	work	work	NOUN
fsr-3358	13	6	is	be	AUX
fsr-3358	13	7	licensed	license	VERB
fsr-3358	13	8	under	under	ADP
fsr-3358	13	9	a	a	DET
fsr-3358	13	10	creative	creative	ADJ
fsr-3358	13	11	commons	common	NOUN
fsr-3358	13	12	attribution	attribution	NOUN
fsr-3358	13	13	-	-	PUNCT
fsr-3358	13	14	noncommercial	noncommercial	ADJ
fsr-3358	13	15	4.0	4.0	NUM
fsr-3358	13	16	license	license	NOUN
fsr-3358	13	17	recommended	recommend	VERB
fsr-3358	13	18	citation	citation	NOUN
fsr-3358	13	19	grace	grace	NOUN
fsr-3358	13	20	,	,	PUNCT
fsr-3358	13	21	c.	c.	NOUN
fsr-3358	13	22	,	,	PUNCT
fsr-3358	13	23	metzler	metzler	NOUN
fsr-3358	13	24	,	,	PUNCT
fsr-3358	13	25	a.	a.	NOUN
fsr-3358	13	26	,	,	PUNCT
fsr-3358	13	27	miao	miao	NOUN
fsr-3358	13	28	,	,	PUNCT
fsr-3358	13	29	y.	y.	PROPN
fsr-3358	13	30	,	,	PUNCT
fsr-3358	13	31	feng	feng	PROPN
fsr-3358	13	32	,	,	PUNCT
fsr-3358	13	33	l.	l.	PROPN
fsr-3358	13	34	,	,	PUNCT
fsr-3358	13	35	&	&	CCONJ
fsr-3358	13	36	fazeli	fazeli	PROPN
fsr-3358	13	37	,	,	PUNCT
fsr-3358	13	38	a.	a.	NOUN
fsr-3358	13	39	(	(	PUNCT
fsr-3358	13	40	2024	2024	NUM
fsr-3358	13	41	)	)	PUNCT
fsr-3358	13	42	.	.	PUNCT
fsr-3358	14	1	unveiling	unveil	VERB
fsr-3358	14	2	the	the	DET
fsr-3358	14	3	winning	win	VERB
fsr-3358	14	4	contribution	contribution	NOUN
fsr-3358	14	5	patterns	pattern	NOUN
fsr-3358	14	6	for	for	ADP
fsr-3358	14	7	enhanced	enhanced	ADJ
fsr-3358	14	8	financial	financial	ADJ
fsr-3358	14	9	health	health	NOUN
fsr-3358	14	10	.	.	PUNCT
fsr-3358	15	1	financial	financial	ADJ
fsr-3358	15	2	services	service	NOUN
fsr-3358	15	3	review	review	PROPN
fsr-3358	15	4	,	,	PUNCT
fsr-3358	15	5	32(2	32(2	NUM
fsr-3358	15	6	)	)	PUNCT
fsr-3358	15	7	,	,	PUNCT
fsr-3358	15	8	1	1	NUM
fsr-3358	15	9	-	-	SYM
fsr-3358	15	10	28	28	NUM
fsr-3358	15	11	.	.	PUNCT
fsr-3358	16	1	introduction	introduction	NOUN
fsr-3358	16	2	by	by	ADP
fsr-3358	16	3	middle	middle	ADJ
fsr-3358	16	4	age	age	NOUN
fsr-3358	16	5	many	many	ADJ
fsr-3358	16	6	investors	investor	NOUN
fsr-3358	16	7	have	have	AUX
fsr-3358	16	8	accumulated	accumulate	VERB
fsr-3358	16	9	nest	nest	NOUN
fsr-3358	16	10	eggs	egg	NOUN
fsr-3358	16	11	of	of	ADP
fsr-3358	16	12	comparable	comparable	ADJ
fsr-3358	16	13	size	size	NOUN
fsr-3358	16	14	to	to	ADP
fsr-3358	16	15	their	their	PRON
fsr-3358	16	16	annual	annual	ADJ
fsr-3358	16	17	salary	salary	NOUN
fsr-3358	16	18	,	,	PUNCT
fsr-3358	16	19	and	and	CCONJ
fsr-3358	16	20	many	many	ADJ
fsr-3358	16	21	turn	turn	VERB
fsr-3358	16	22	their	their	PRON
fsr-3358	16	23	attention	attention	NOUN
fsr-3358	16	24	to	to	ADP
fsr-3358	16	25	maximizing	maximize	VERB
fsr-3358	16	26	returns	return	NOUN
fsr-3358	16	27	.	.	PUNCT
fsr-3358	17	1	at	at	ADP
fsr-3358	17	2	this	this	DET
fsr-3358	17	3	point	point	NOUN
fsr-3358	17	4	in	in	ADP
fsr-3358	17	5	their	their	PRON
fsr-3358	17	6	lives	life	NOUN
fsr-3358	17	7	,	,	PUNCT
fsr-3358	17	8	an	an	DET
fsr-3358	17	9	additional	additional	ADJ
fsr-3358	17	10	percentage	percentage	NOUN
fsr-3358	17	11	point	point	NOUN
fsr-3358	17	12	of	of	ADP
fsr-3358	17	13	returns	return	NOUN
fsr-3358	17	14	has	have	VERB
fsr-3358	17	15	the	the	DET
fsr-3358	17	16	same	same	ADJ
fsr-3358	17	17	mathematical	mathematical	ADJ
fsr-3358	17	18	impact	impact	NOUN
fsr-3358	17	19	on	on	ADP
fsr-3358	17	20	their	their	PRON
fsr-3358	17	21	wealth	wealth	NOUN
fsr-3358	17	22	as	as	ADP
fsr-3358	17	23	a	a	DET
fsr-3358	17	24	1	1	NUM
fsr-3358	17	25	corresponding	correspond	VERB
fsr-3358	17	26	author	author	NOUN
fsr-3358	17	27	(	(	PUNCT
fsr-3358	17	28	fwl@uwo.ca	fwl@uwo.ca	NOUN
fsr-3358	17	29	)	)	PUNCT
fsr-3358	17	30	.	.	PUNCT
fsr-3358	18	1	western	western	ADJ
fsr-3358	18	2	university	university	PROPN
fsr-3358	18	3	,	,	PUNCT
fsr-3358	18	4	london	london	PROPN
fsr-3358	18	5	,	,	PUNCT
fsr-3358	18	6	canada	canada	PROPN
fsr-3358	18	7	2	2	NUM
fsr-3358	18	8	wilfrid	wilfrid	PROPN
fsr-3358	18	9	laurier	laurier	PROPN
fsr-3358	18	10	university	university	PROPN
fsr-3358	18	11	,	,	PUNCT
fsr-3358	18	12	waterloo	waterloo	PROPN
fsr-3358	18	13	,	,	PUNCT
fsr-3358	18	14	canada	canada	PROPN
fsr-3358	18	15	3	3	NUM
fsr-3358	18	16	western	western	PROPN
fsr-3358	18	17	university	university	PROPN
fsr-3358	18	18	,	,	PUNCT
fsr-3358	18	19	london	london	PROPN
fsr-3358	18	20	,	,	PUNCT
fsr-3358	18	21	canada	canada	PROPN
fsr-3358	18	22	4	4	NUM
fsr-3358	18	23	western	western	PROPN
fsr-3358	18	24	university	university	PROPN
fsr-3358	18	25	,	,	PUNCT
fsr-3358	18	26	london	london	PROPN
fsr-3358	18	27	,	,	PUNCT
fsr-3358	18	28	canada	canada	PROPN
fsr-3358	18	29	5	5	NUM
fsr-3358	18	30	western	western	ADJ
fsr-3358	18	31	university	university	PROPN
fsr-3358	18	32	,	,	PUNCT
fsr-3358	18	33	london	london	PROPN
fsr-3358	18	34	,	,	PUNCT
fsr-3358	18	35	canada	canada	PROPN
fsr-3358	18	36	percentage	percentage	NOUN
fsr-3358	18	37	point	point	NOUN
fsr-3358	18	38	of	of	ADP
fsr-3358	18	39	savings	saving	NOUN
fsr-3358	18	40	rate	rate	NOUN
fsr-3358	18	41	.	.	PUNCT
fsr-3358	19	1	what	what	PRON
fsr-3358	19	2	is	be	AUX
fsr-3358	19	3	the	the	DET
fsr-3358	19	4	experience	experience	NOUN
fsr-3358	19	5	of	of	ADP
fsr-3358	19	6	actual	actual	ADJ
fsr-3358	19	7	investing	invest	VERB
fsr-3358	19	8	canadians	canadian	NOUN
fsr-3358	19	9	in	in	ADP
fsr-3358	19	10	facing	face	VERB
fsr-3358	19	11	this	this	DET
fsr-3358	19	12	circumstance	circumstance	NOUN
fsr-3358	19	13	?	?	PUNCT
fsr-3358	20	1	while	while	SCONJ
fsr-3358	20	2	savings	saving	NOUN
fsr-3358	20	3	rates	rate	NOUN
fsr-3358	20	4	fall	fall	VERB
fsr-3358	20	5	under	under	ADP
fsr-3358	20	6	the	the	DET
fsr-3358	20	7	direct	direct	ADJ
fsr-3358	20	8	control	control	NOUN
fsr-3358	20	9	of	of	ADP
fsr-3358	20	10	the	the	DET
fsr-3358	20	11	investors	investor	NOUN
fsr-3358	20	12	,	,	PUNCT
fsr-3358	20	13	investment	investment	NOUN
fsr-3358	20	14	returns	return	NOUN
fsr-3358	20	15	remain	remain	VERB
fsr-3358	20	16	at	at	ADP
fsr-3358	20	17	the	the	DET
fsr-3358	20	18	mercy	mercy	NOUN
fsr-3358	20	19	of	of	ADP
fsr-3358	20	20	unpredictable	unpredictable	ADJ
fsr-3358	20	21	markets	market	NOUN
fsr-3358	20	22	.	.	PUNCT
fsr-3358	21	1	this	this	DET
fsr-3358	21	2	paper	paper	NOUN
fsr-3358	21	3	gives	give	VERB
fsr-3358	21	4	the	the	DET
fsr-3358	21	5	resounding	resounding	ADJ
fsr-3358	21	6	answer	answer	NOUN
fsr-3358	21	7	that	that	SCONJ
fsr-3358	21	8	investors	investor	NOUN
fsr-3358	21	9	are	be	AUX
fsr-3358	21	10	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3358	21	11	mailto:fwl@uwo.ca	mailto:fwl@uwo.ca	NOUN
fsr-3358	21	12	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-3358	21	13	financial	financial	ADJ
fsr-3358	21	14	services	service	NOUN
fsr-3358	21	15	review	review	NOUN
fsr-3358	21	16	,	,	PUNCT
fsr-3358	21	17	32(2	32(2	NUM
fsr-3358	21	18	)	)	PUNCT
fsr-3358	21	19	2	2	NUM
fsr-3358	21	20	overwhelmingly	overwhelmingly	ADV
fsr-3358	21	21	likely	likely	ADJ
fsr-3358	21	22	to	to	PART
fsr-3358	21	23	be	be	AUX
fsr-3358	21	24	better	well	ADV
fsr-3358	21	25	served	serve	VERB
fsr-3358	21	26	by	by	ADP
fsr-3358	21	27	a	a	DET
fsr-3358	21	28	focus	focus	NOUN
fsr-3358	21	29	on	on	ADP
fsr-3358	21	30	savings	saving	NOUN
fsr-3358	21	31	than	than	ADP
fsr-3358	21	32	on	on	ADP
fsr-3358	21	33	returns	return	NOUN
fsr-3358	21	34	.	.	PUNCT
fsr-3358	22	1	the	the	DET
fsr-3358	22	2	math	math	NOUN
fsr-3358	22	3	behind	behind	ADP
fsr-3358	22	4	savings	saving	NOUN
fsr-3358	22	5	and	and	CCONJ
fsr-3358	22	6	its	its	PRON
fsr-3358	22	7	economic	economic	ADJ
fsr-3358	22	8	impact	impact	NOUN
fsr-3358	22	9	have	have	AUX
fsr-3358	22	10	been	be	AUX
fsr-3358	22	11	well	well	ADV
fsr-3358	22	12	studied	study	VERB
fsr-3358	22	13	.	.	PUNCT
fsr-3358	23	1	the	the	DET
fsr-3358	23	2	topic	topic	NOUN
fsr-3358	23	3	has	have	AUX
fsr-3358	23	4	also	also	ADV
fsr-3358	23	5	been	be	AUX
fsr-3358	23	6	explored	explore	VERB
fsr-3358	23	7	in	in	ADP
fsr-3358	23	8	depth	depth	NOUN
fsr-3358	23	9	by	by	ADP
fsr-3358	23	10	well	well	ADV
fsr-3358	23	11	-	-	PUNCT
fsr-3358	23	12	known	know	VERB
fsr-3358	23	13	behaviouralists	behaviouralist	NOUN
fsr-3358	23	14	such	such	ADJ
fsr-3358	23	15	as	as	ADP
fsr-3358	23	16	kahneman	kahneman	NOUN
fsr-3358	23	17	and	and	CCONJ
fsr-3358	23	18	thaler	thaler	PROPN
fsr-3358	23	19	(	(	PUNCT
fsr-3358	23	20	2006	2006	NUM
fsr-3358	23	21	)	)	PUNCT
fsr-3358	23	22	.	.	PUNCT
fsr-3358	24	1	it	it	PRON
fsr-3358	24	2	has	have	AUX
fsr-3358	24	3	been	be	AUX
fsr-3358	24	4	extensively	extensively	ADV
fsr-3358	24	5	mentioned	mention	VERB
fsr-3358	24	6	as	as	ADP
fsr-3358	24	7	a	a	DET
fsr-3358	24	8	contributing	contribute	VERB
fsr-3358	24	9	factor	factor	NOUN
fsr-3358	24	10	in	in	ADP
fsr-3358	24	11	the	the	DET
fsr-3358	24	12	context	context	NOUN
fsr-3358	24	13	of	of	ADP
fsr-3358	24	14	financial	financial	ADJ
fsr-3358	24	15	wellness	wellness	NOUN
fsr-3358	24	16	.	.	PUNCT
fsr-3358	25	1	and	and	CCONJ
fsr-3358	25	2	enormous	enormous	ADJ
fsr-3358	25	3	resources	resource	NOUN
fsr-3358	25	4	have	have	AUX
fsr-3358	25	5	been	be	AUX
fsr-3358	25	6	dedicated	dedicate	VERB
fsr-3358	25	7	to	to	ADP
fsr-3358	25	8	growing	grow	VERB
fsr-3358	25	9	savings	saving	NOUN
fsr-3358	25	10	through	through	ADP
fsr-3358	25	11	investment	investment	NOUN
fsr-3358	25	12	strategies	strategy	NOUN
fsr-3358	25	13	.	.	PUNCT
fsr-3358	26	1	but	but	CCONJ
fsr-3358	26	2	there	there	PRON
fsr-3358	26	3	is	be	VERB
fsr-3358	26	4	little	little	ADJ
fsr-3358	26	5	empirical	empirical	ADJ
fsr-3358	26	6	study	study	NOUN
fsr-3358	26	7	of	of	ADP
fsr-3358	26	8	real	real	ADJ
fsr-3358	26	9	-	-	PUNCT
fsr-3358	26	10	world	world	NOUN
fsr-3358	26	11	savings	saving	NOUN
fsr-3358	26	12	transactions	transaction	NOUN
fsr-3358	26	13	and	and	CCONJ
fsr-3358	26	14	how	how	SCONJ
fsr-3358	26	15	those	those	DET
fsr-3358	26	16	transaction	transaction	NOUN
fsr-3358	26	17	patterns	pattern	NOUN
fsr-3358	26	18	impact	impact	VERB
fsr-3358	26	19	wealth	wealth	NOUN
fsr-3358	26	20	accumulation	accumulation	NOUN
fsr-3358	26	21	–	–	PUNCT
fsr-3358	26	22	especially	especially	ADV
fsr-3358	26	23	in	in	ADP
fsr-3358	26	24	a	a	DET
fsr-3358	26	25	canadian	canadian	ADJ
fsr-3358	26	26	context	context	NOUN
fsr-3358	26	27	.	.	PUNCT
fsr-3358	27	1	we	we	PRON
fsr-3358	27	2	examine	examine	VERB
fsr-3358	27	3	unique	unique	ADJ
fsr-3358	27	4	dataset(s	dataset(s	NOUN
fsr-3358	27	5	)	)	PUNCT
fsr-3358	27	6	of	of	ADP
fsr-3358	27	7	investor	investor	NOUN
fsr-3358	27	8	transactions	transaction	NOUN
fsr-3358	27	9	to	to	PART
fsr-3358	27	10	examine	examine	VERB
fsr-3358	27	11	the	the	DET
fsr-3358	27	12	relationship	relationship	NOUN
fsr-3358	27	13	between	between	ADP
fsr-3358	27	14	investor	investor	NOUN
fsr-3358	27	15	behaviours	behaviour	NOUN
fsr-3358	27	16	,	,	PUNCT
fsr-3358	27	17	investment	investment	NOUN
fsr-3358	27	18	strategies	strategy	NOUN
fsr-3358	27	19	,	,	PUNCT
fsr-3358	27	20	household	household	NOUN
fsr-3358	27	21	savings	saving	NOUN
fsr-3358	27	22	,	,	PUNCT
fsr-3358	27	23	and	and	CCONJ
fsr-3358	27	24	investment	investment	NOUN
fsr-3358	27	25	outcomes	outcome	NOUN
fsr-3358	27	26	.	.	PUNCT
fsr-3358	28	1	ultimately	ultimately	ADV
fsr-3358	28	2	our	our	PRON
fsr-3358	28	3	goal	goal	NOUN
fsr-3358	28	4	was	be	AUX
fsr-3358	28	5	to	to	PART
fsr-3358	28	6	determine	determine	VERB
fsr-3358	28	7	whether	whether	SCONJ
fsr-3358	28	8	investment	investment	NOUN
fsr-3358	28	9	returns	return	NOUN
fsr-3358	28	10	or	or	CCONJ
fsr-3358	28	11	savings	saving	NOUN
fsr-3358	28	12	rates	rate	NOUN
fsr-3358	28	13	drove	drive	VERB
fsr-3358	28	14	wealth	wealth	NOUN
fsr-3358	28	15	accumulation	accumulation	NOUN
fsr-3358	28	16	for	for	ADP
fsr-3358	28	17	the	the	DET
fsr-3358	28	18	investors	investor	NOUN
fsr-3358	28	19	in	in	ADP
fsr-3358	28	20	our	our	PRON
fsr-3358	28	21	datasets	dataset	NOUN
fsr-3358	28	22	.	.	PUNCT
fsr-3358	29	1	we	we	PRON
fsr-3358	29	2	examine	examine	VERB
fsr-3358	29	3	these	these	DET
fsr-3358	29	4	real	real	ADJ
fsr-3358	29	5	-	-	PUNCT
fsr-3358	29	6	world	world	NOUN
fsr-3358	29	7	observed	observe	VERB
fsr-3358	29	8	behaviours	behaviour	NOUN
fsr-3358	29	9	through	through	ADP
fsr-3358	29	10	advanced	advanced	ADJ
fsr-3358	29	11	data	datum	NOUN
fsr-3358	29	12	analytics	analytic	NOUN
fsr-3358	29	13	in	in	ADP
fsr-3358	29	14	the	the	DET
fsr-3358	29	15	form	form	NOUN
fsr-3358	29	16	of	of	ADP
fsr-3358	29	17	unsupervised	unsupervised	ADJ
fsr-3358	29	18	machine	machine	NOUN
fsr-3358	29	19	learning	learning	NOUN
fsr-3358	29	20	.	.	PUNCT
fsr-3358	30	1	we	we	PRON
fsr-3358	30	2	examine	examine	VERB
fsr-3358	30	3	trading	trading	NOUN
fsr-3358	30	4	over	over	ADP
fsr-3358	30	5	a	a	DET
fsr-3358	30	6	3	3	NUM
fsr-3358	30	7	-	-	PUNCT
fsr-3358	30	8	year	year	NOUN
fsr-3358	30	9	period	period	NOUN
fsr-3358	30	10	ending	end	VERB
fsr-3358	30	11	august	august	PROPN
fsr-3358	30	12	2022	2022	NUM
fsr-3358	30	13	,	,	PUNCT
fsr-3358	30	14	providing	provide	VERB
fsr-3358	30	15	us	we	PRON
fsr-3358	30	16	with	with	ADP
fsr-3358	30	17	the	the	DET
fsr-3358	30	18	opportunity	opportunity	NOUN
fsr-3358	30	19	to	to	PART
fsr-3358	30	20	observe	observe	VERB
fsr-3358	30	21	patterns	pattern	NOUN
fsr-3358	30	22	during	during	ADP
fsr-3358	30	23	rising	rise	VERB
fsr-3358	30	24	markets	market	NOUN
fsr-3358	30	25	,	,	PUNCT
fsr-3358	30	26	declining	decline	VERB
fsr-3358	30	27	markets	market	NOUN
fsr-3358	30	28	and	and	CCONJ
fsr-3358	30	29	the	the	DET
fsr-3358	30	30	turbulent	turbulent	ADJ
fsr-3358	30	31	phases	phase	NOUN
fsr-3358	30	32	during	during	ADP
fsr-3358	30	33	transitions	transition	NOUN
fsr-3358	30	34	.	.	PUNCT
fsr-3358	31	1	the	the	DET
fsr-3358	31	2	data	datum	NOUN
fsr-3358	31	3	encompasses	encompass	VERB
fsr-3358	31	4	hundreds	hundred	NOUN
fsr-3358	31	5	of	of	ADP
fsr-3358	31	6	unique	unique	ADJ
fsr-3358	31	7	investment	investment	NOUN
fsr-3358	31	8	strategies	strategy	NOUN
fsr-3358	31	9	including	include	VERB
fsr-3358	31	10	advised	advise	VERB
fsr-3358	31	11	and	and	CCONJ
fsr-3358	31	12	‘	'	PUNCT
fsr-3358	31	13	do	do	AUX
fsr-3358	31	14	-	-	PUNCT
fsr-3358	31	15	it	it	PRON
fsr-3358	31	16	-	-	PUNCT
fsr-3358	31	17	yourself	yourself	PRON
fsr-3358	31	18	’	'	PUNCT
fsr-3358	31	19	portfolios	portfolio	NOUN
fsr-3358	31	20	.	.	PUNCT
fsr-3358	32	1	the	the	DET
fsr-3358	32	2	algorithms	algorithm	NOUN
fsr-3358	32	3	determined	determine	VERB
fsr-3358	32	4	that	that	SCONJ
fsr-3358	32	5	investors	investor	NOUN
fsr-3358	32	6	could	could	AUX
fsr-3358	32	7	be	be	AUX
fsr-3358	32	8	clustered	cluster	VERB
fsr-3358	32	9	into	into	ADP
fsr-3358	32	10	one	one	NUM
fsr-3358	32	11	of	of	ADP
fsr-3358	32	12	three	three	NUM
fsr-3358	32	13	groups	group	NOUN
fsr-3358	32	14	(	(	PUNCT
fsr-3358	32	15	for	for	ADP
fsr-3358	32	16	each	each	DET
fsr-3358	32	17	dataset	dataset	NOUN
fsr-3358	32	18	)	)	PUNCT
fsr-3358	32	19	that	that	PRON
fsr-3358	32	20	were	be	AUX
fsr-3358	32	21	determined	determine	VERB
fsr-3358	32	22	by	by	ADP
fsr-3358	32	23	saving	save	VERB
fsr-3358	32	24	’s	’s	PART
fsr-3358	32	25	behavior	behavior	NOUN
fsr-3358	32	26	,	,	PUNCT
fsr-3358	32	27	investment	investment	NOUN
fsr-3358	32	28	returns	return	NOUN
fsr-3358	32	29	and	and	CCONJ
fsr-3358	32	30	portfolio	portfolio	NOUN
fsr-3358	32	31	outcomes	outcome	NOUN
fsr-3358	32	32	.	.	PUNCT
fsr-3358	33	1	a	a	DET
fsr-3358	33	2	brief	brief	ADJ
fsr-3358	33	3	description	description	NOUN
fsr-3358	33	4	of	of	ADP
fsr-3358	33	5	the	the	DET
fsr-3358	33	6	resulting	result	VERB
fsr-3358	33	7	clusters	cluster	NOUN
fsr-3358	33	8	is	be	AUX
fsr-3358	33	9	noted	note	VERB
fsr-3358	33	10	below	below	ADP
fsr-3358	33	11	in	in	ADP
fsr-3358	33	12	table	table	NOUN
fsr-3358	33	13	1	1	NUM
fsr-3358	33	14	.	.	PUNCT
fsr-3358	33	15	table	table	NOUN
fsr-3358	33	16	1	1	NUM
fsr-3358	33	17	.	.	PUNCT
fsr-3358	34	1	summary	summary	NOUN
fsr-3358	34	2	of	of	ADP
fsr-3358	34	3	the	the	DET
fsr-3358	34	4	clusters	cluster	NOUN
fsr-3358	34	5	derived	derive	VERB
fsr-3358	34	6	by	by	ADP
fsr-3358	34	7	the	the	DET
fsr-3358	34	8	unsupervised	unsupervised	ADJ
fsr-3358	34	9	machine	machine	NOUN
fsr-3358	34	10	learning	learn	VERB
fsr-3358	34	11	algorithms	algorithm	NOUN
fsr-3358	34	12	.	.	PUNCT
fsr-3358	35	1	dataset	dataset	NOUN
fsr-3358	35	2	1	1	NUM
fsr-3358	35	3	dataset	dataset	VERB
fsr-3358	35	4	2	2	NUM
fsr-3358	35	5	cluster	cluster	NOUN
fsr-3358	35	6	1	1	NUM
fsr-3358	35	7	:	:	PUNCT
fsr-3358	35	8	a	a	DET
fsr-3358	35	9	group	group	NOUN
fsr-3358	35	10	of	of	ADP
fsr-3358	35	11	investors	investor	NOUN
fsr-3358	35	12	(	(	PUNCT
fsr-3358	35	13	13.8	13.8	NUM
fsr-3358	35	14	%	%	NOUN
fsr-3358	35	15	of	of	ADP
fsr-3358	35	16	accounts	account	NOUN
fsr-3358	35	17	)	)	PUNCT
fsr-3358	35	18	whose	whose	DET
fsr-3358	35	19	wealth	wealth	NOUN
fsr-3358	35	20	followed	follow	VERB
fsr-3358	35	21	a	a	DET
fsr-3358	35	22	downward	downward	ADJ
fsr-3358	35	23	trajectory	trajectory	NOUN
fsr-3358	35	24	starting	start	VERB
fsr-3358	35	25	with	with	ADP
fsr-3358	35	26	the	the	DET
fsr-3358	35	27	market	market	NOUN
fsr-3358	35	28	correction	correction	NOUN
fsr-3358	35	29	in	in	ADP
fsr-3358	35	30	february	february	PROPN
fsr-3358	35	31	2020	2020	NUM
fsr-3358	35	32	,	,	PUNCT
fsr-3358	35	33	and	and	CCONJ
fsr-3358	35	34	continuing	continue	VERB
fsr-3358	35	35	the	the	DET
fsr-3358	35	36	same	same	ADJ
fsr-3358	35	37	trajectory	trajectory	NOUN
fsr-3358	35	38	thereafter	thereafter	ADV
fsr-3358	35	39	.	.	PUNCT
fsr-3358	36	1	cluster	cluster	NOUN
fsr-3358	36	2	4	4	NUM
fsr-3358	36	3	:	:	PUNCT
fsr-3358	36	4	a	a	DET
fsr-3358	36	5	group	group	NOUN
fsr-3358	36	6	of	of	ADP
fsr-3358	36	7	investors	investor	NOUN
fsr-3358	36	8	(	(	PUNCT
fsr-3358	36	9	5	5	NUM
fsr-3358	36	10	%	%	NOUN
fsr-3358	36	11	)	)	PUNCT
fsr-3358	36	12	whose	whose	DET
fsr-3358	36	13	wealth	wealth	NOUN
fsr-3358	36	14	followed	follow	VERB
fsr-3358	36	15	a	a	DET
fsr-3358	36	16	downward	downward	ADJ
fsr-3358	36	17	trajectory	trajectory	NOUN
fsr-3358	36	18	following	follow	VERB
fsr-3358	36	19	major	major	ADJ
fsr-3358	36	20	withdrawals	withdrawal	NOUN
fsr-3358	36	21	from	from	ADP
fsr-3358	36	22	their	their	PRON
fsr-3358	36	23	accounts	account	NOUN
fsr-3358	36	24	cluster	cluster	NOUN
fsr-3358	36	25	2	2	NUM
fsr-3358	36	26	:	:	PUNCT
fsr-3358	36	27	a	a	DET
fsr-3358	36	28	group	group	NOUN
fsr-3358	36	29	of	of	ADP
fsr-3358	36	30	investors	investor	NOUN
fsr-3358	36	31	(	(	PUNCT
fsr-3358	36	32	44.1	44.1	NUM
fsr-3358	36	33	%	%	NOUN
fsr-3358	36	34	)	)	PUNCT
fsr-3358	36	35	whose	whose	DET
fsr-3358	36	36	wealth	wealth	NOUN
fsr-3358	36	37	generally	generally	ADV
fsr-3358	36	38	followed	follow	VERB
fsr-3358	36	39	the	the	DET
fsr-3358	36	40	markets	market	NOUN
fsr-3358	36	41	–	–	PUNCT
fsr-3358	36	42	rising	rise	VERB
fsr-3358	36	43	and	and	CCONJ
fsr-3358	36	44	falling	fall	VERB
fsr-3358	36	45	in	in	ADP
fsr-3358	36	46	sync	sync	NOUN
fsr-3358	36	47	with	with	ADP
fsr-3358	36	48	general	general	ADJ
fsr-3358	36	49	market	market	NOUN
fsr-3358	36	50	trends	trend	NOUN
fsr-3358	36	51	.	.	PUNCT
fsr-3358	37	1	cluster	cluster	NOUN
fsr-3358	37	2	5	5	NUM
fsr-3358	37	3	:	:	PUNCT
fsr-3358	37	4	a	a	DET
fsr-3358	37	5	group	group	NOUN
fsr-3358	37	6	of	of	ADP
fsr-3358	37	7	investors	investor	NOUN
fsr-3358	37	8	(	(	PUNCT
fsr-3358	37	9	34	34	NUM
fsr-3358	37	10	%	%	NOUN
fsr-3358	37	11	of	of	ADP
fsr-3358	37	12	the	the	DET
fsr-3358	37	13	dataset	dataset	NOUN
fsr-3358	37	14	)	)	PUNCT
fsr-3358	37	15	whose	whose	DET
fsr-3358	37	16	wealth	wealth	NOUN
fsr-3358	37	17	generally	generally	ADV
fsr-3358	37	18	followed	follow	VERB
fsr-3358	37	19	the	the	DET
fsr-3358	37	20	markets	market	NOUN
fsr-3358	37	21	–	–	PUNCT
fsr-3358	37	22	rising	rise	VERB
fsr-3358	37	23	and	and	CCONJ
fsr-3358	37	24	falling	fall	VERB
fsr-3358	37	25	with	with	ADP
fsr-3358	37	26	the	the	DET
fsr-3358	37	27	markets	market	NOUN
fsr-3358	37	28	.	.	PUNCT
fsr-3358	38	1	cluster	cluster	NOUN
fsr-3358	38	2	3	3	NUM
fsr-3358	38	3	:	:	PUNCT
fsr-3358	38	4	a	a	DET
fsr-3358	38	5	group	group	NOUN
fsr-3358	38	6	of	of	ADP
fsr-3358	38	7	investors	investor	NOUN
fsr-3358	38	8	(	(	PUNCT
fsr-3358	38	9	42.1	42.1	NUM
fsr-3358	38	10	%	%	NOUN
fsr-3358	38	11	of	of	ADP
fsr-3358	38	12	the	the	DET
fsr-3358	38	13	dataset	dataset	NOUN
fsr-3358	38	14	)	)	PUNCT
fsr-3358	38	15	whose	whose	DET
fsr-3358	38	16	wealth	wealth	NOUN
fsr-3358	38	17	had	have	VERB
fsr-3358	38	18	an	an	DET
fsr-3358	38	19	upward	upward	ADJ
fsr-3358	38	20	trajectory	trajectory	NOUN
fsr-3358	38	21	(	(	PUNCT
fsr-3358	38	22	growing	grow	VERB
fsr-3358	38	23	)	)	PUNCT
fsr-3358	38	24	throughout	throughout	ADP
fsr-3358	38	25	the	the	DET
fsr-3358	38	26	period	period	NOUN
fsr-3358	38	27	.	.	PUNCT
fsr-3358	39	1	cluster	cluster	NOUN
fsr-3358	39	2	6	6	NUM
fsr-3358	39	3	:	:	PUNCT
fsr-3358	39	4	a	a	DET
fsr-3358	39	5	group	group	NOUN
fsr-3358	39	6	of	of	ADP
fsr-3358	39	7	investors	investor	NOUN
fsr-3358	39	8	(	(	PUNCT
fsr-3358	39	9	61	61	NUM
fsr-3358	39	10	%	%	NOUN
fsr-3358	39	11	)	)	PUNCT
fsr-3358	39	12	whose	whose	DET
fsr-3358	39	13	wealth	wealth	NOUN
fsr-3358	39	14	had	have	VERB
fsr-3358	39	15	an	an	DET
fsr-3358	39	16	upward	upward	ADJ
fsr-3358	39	17	trajectory	trajectory	NOUN
fsr-3358	39	18	(	(	PUNCT
fsr-3358	39	19	growing	grow	VERB
fsr-3358	39	20	)	)	PUNCT
fsr-3358	39	21	throughout	throughout	ADP
fsr-3358	39	22	the	the	DET
fsr-3358	39	23	period	period	NOUN
fsr-3358	39	24	.	.	PUNCT
fsr-3358	40	1	it	it	PRON
fsr-3358	40	2	should	should	AUX
fsr-3358	40	3	be	be	AUX
fsr-3358	40	4	noted	note	VERB
fsr-3358	40	5	that	that	SCONJ
fsr-3358	40	6	the	the	DET
fsr-3358	40	7	observed	observed	ADJ
fsr-3358	40	8	period	period	NOUN
fsr-3358	40	9	encompassed	encompass	VERB
fsr-3358	40	10	much	much	ADJ
fsr-3358	40	11	of	of	ADP
fsr-3358	40	12	the	the	DET
fsr-3358	40	13	covid-19	covid-19	PROPN
fsr-3358	40	14	pandemic	pandemic	NOUN
fsr-3358	40	15	.	.	PUNCT
fsr-3358	41	1	in	in	ADP
fsr-3358	41	2	canada	canada	PROPN
fsr-3358	41	3	,	,	PUNCT
fsr-3358	41	4	the	the	DET
fsr-3358	41	5	federal	federal	ADJ
fsr-3358	41	6	government	government	NOUN
fsr-3358	41	7	introduced	introduce	VERB
fsr-3358	41	8	the	the	DET
fsr-3358	41	9	canada	canada	PROPN
fsr-3358	41	10	emergency	emergency	NOUN
fsr-3358	41	11	response	response	NOUN
fsr-3358	41	12	benefit	benefit	NOUN
fsr-3358	41	13	(	(	PUNCT
fsr-3358	41	14	cerb	cerb	NOUN
fsr-3358	41	15	)	)	PUNCT
fsr-3358	41	16	in	in	ADP
fsr-3358	41	17	march	march	PROPN
fsr-3358	41	18	2020	2020	NUM
fsr-3358	41	19	before	before	ADP
fsr-3358	41	20	transitioning	transition	VERB
fsr-3358	41	21	to	to	ADP
fsr-3358	41	22	the	the	DET
fsr-3358	41	23	employment	employment	NOUN
fsr-3358	41	24	insurance	insurance	NOUN
fsr-3358	41	25	program	program	NOUN
fsr-3358	41	26	and	and	CCONJ
fsr-3358	41	27	ending	end	VERB
fsr-3358	41	28	in	in	ADP
fsr-3358	41	29	may	may	PROPN
fsr-3358	41	30	2023	2023	NUM
fsr-3358	41	31	.	.	PUNCT
fsr-3358	42	1	the	the	DET
fsr-3358	42	2	cerb	cerb	PROPN
fsr-3358	42	3	program	program	NOUN
fsr-3358	42	4	provided	provide	VERB
fsr-3358	42	5	financial	financial	ADJ
fsr-3358	42	6	support	support	NOUN
fsr-3358	42	7	to	to	PART
fsr-3358	42	8	employed	employ	VERB
fsr-3358	42	9	and	and	CCONJ
fsr-3358	42	10	self	self	NOUN
fsr-3358	42	11	-	-	PUNCT
fsr-3358	42	12	employed	employ	VERB
fsr-3358	42	13	canadians	canadian	NOUN
fsr-3358	42	14	directly	directly	ADV
fsr-3358	42	15	affected	affect	VERB
fsr-3358	42	16	by	by	ADP
fsr-3358	42	17	covid-19	covid-19	PROPN
fsr-3358	42	18	.	.	PUNCT
fsr-3358	43	1	the	the	DET
fsr-3358	43	2	$	$	SYM
fsr-3358	43	3	500	500	NUM
fsr-3358	43	4	/	/	SYM
fsr-3358	43	5	week	week	NOUN
fsr-3358	43	6	payments	payment	NOUN
fsr-3358	43	7	,	,	PUNCT
fsr-3358	43	8	in	in	ADP
fsr-3358	43	9	addition	addition	NOUN
fsr-3358	43	10	to	to	ADP
fsr-3358	43	11	the	the	DET
fsr-3358	43	12	savings	saving	NOUN
fsr-3358	43	13	derived	derive	VERB
fsr-3358	43	14	from	from	ADP
fsr-3358	43	15	working	work	VERB
fsr-3358	43	16	-	-	PUNCT
fsr-3358	43	17	at	at	ADP
fsr-3358	43	18	-	-	PUNCT
fsr-3358	43	19	home	home	NOUN
fsr-3358	43	20	,	,	PUNCT
fsr-3358	43	21	coincided	coincide	VERB
fsr-3358	43	22	with	with	ADP
fsr-3358	43	23	a	a	DET
fsr-3358	43	24	significant	significant	ADJ
fsr-3358	43	25	increase	increase	NOUN
fsr-3358	43	26	in	in	ADP
fsr-3358	43	27	household	household	NOUN
fsr-3358	43	28	savings	saving	NOUN
fsr-3358	43	29	(	(	PUNCT
fsr-3358	43	30	see	see	VERB
fsr-3358	43	31	figure	figure	NOUN
fsr-3358	43	32	4	4	NUM
fsr-3358	43	33	)	)	PUNCT
fsr-3358	43	34	.	.	PUNCT
fsr-3358	44	1	as	as	ADP
fsr-3358	44	2	a	a	DET
fsr-3358	44	3	result	result	NOUN
fsr-3358	44	4	,	,	PUNCT
fsr-3358	44	5	our	our	PRON
fsr-3358	44	6	study	study	NOUN
fsr-3358	44	7	provided	provide	VERB
fsr-3358	44	8	a	a	DET
fsr-3358	44	9	unique	unique	ADJ
fsr-3358	44	10	opportunity	opportunity	NOUN
fsr-3358	44	11	to	to	PART
fsr-3358	44	12	observe	observe	VERB
fsr-3358	44	13	the	the	DET
fsr-3358	44	14	impact	impact	NOUN
fsr-3358	44	15	of	of	ADP
fsr-3358	44	16	unusual	unusual	ADJ
fsr-3358	44	17	cash	cash	NOUN
fsr-3358	44	18	inflows	inflow	NOUN
fsr-3358	44	19	on	on	ADP
fsr-3358	44	20	household	household	NOUN
fsr-3358	44	21	resiliency	resiliency	NOUN
fsr-3358	44	22	–	–	PUNCT
fsr-3358	44	23	as	as	SCONJ
fsr-3358	44	24	measured	measure	VERB
fsr-3358	44	25	by	by	ADP
fsr-3358	44	26	wealth	wealth	NOUN
fsr-3358	44	27	.	.	PUNCT
fsr-3358	45	1	it	it	PRON
fsr-3358	45	2	is	be	AUX
fsr-3358	45	3	also	also	ADV
fsr-3358	45	4	worth	worth	ADJ
fsr-3358	45	5	noting	note	VERB
fsr-3358	45	6	that	that	SCONJ
fsr-3358	45	7	the	the	DET
fsr-3358	45	8	examined	examine	VERB
fsr-3358	45	9	period	period	NOUN
fsr-3358	45	10	encompasses	encompass	VERB
fsr-3358	45	11	unusual	unusual	ADJ
fsr-3358	45	12	market	market	NOUN
fsr-3358	45	13	conditions	condition	NOUN
fsr-3358	45	14	marked	mark	VERB
fsr-3358	45	15	by	by	ADP
fsr-3358	45	16	negative	negative	ADJ
fsr-3358	45	17	returns	return	NOUN
fsr-3358	45	18	on	on	ADP
fsr-3358	45	19	fixed	fix	VERB
fsr-3358	45	20	income	income	NOUN
fsr-3358	45	21	investments	investment	NOUN
fsr-3358	45	22	and	and	CCONJ
fsr-3358	45	23	mixed	mixed	ADJ
fsr-3358	45	24	returns	return	NOUN
fsr-3358	45	25	on	on	ADP
fsr-3358	45	26	equities	equity	NOUN
fsr-3358	45	27	(	(	PUNCT
fsr-3358	45	28	see	see	VERB
fsr-3358	45	29	appendix	appendix	NOUN
fsr-3358	45	30	1	1	NUM
fsr-3358	45	31	)	)	PUNCT
fsr-3358	45	32	.	.	PUNCT
fsr-3358	46	1	we	we	PRON
fsr-3358	46	2	conclude	conclude	VERB
fsr-3358	46	3	that	that	SCONJ
fsr-3358	46	4	a	a	DET
fsr-3358	46	5	consistent	consistent	ADJ
fsr-3358	46	6	pattern	pattern	NOUN
fsr-3358	46	7	of	of	ADP
fsr-3358	46	8	saving	save	VERB
fsr-3358	46	9	–	–	PUNCT
fsr-3358	46	10	even	even	ADV
fsr-3358	46	11	in	in	ADP
fsr-3358	46	12	turbulent	turbulent	ADJ
fsr-3358	46	13	markets	market	NOUN
fsr-3358	46	14	is	be	AUX
fsr-3358	46	15	a	a	DET
fsr-3358	46	16	‘	'	PUNCT
fsr-3358	46	17	winning	win	VERB
fsr-3358	46	18	’	'	PUNCT
fsr-3358	46	19	strategy	strategy	NOUN
fsr-3358	46	20	for	for	ADP
fsr-3358	46	21	wealth	wealth	NOUN
fsr-3358	46	22	accumulation	accumulation	NOUN
fsr-3358	46	23	.	.	PUNCT
fsr-3358	47	1	saving	save	VERB
fsr-3358	47	2	patterns	pattern	NOUN
fsr-3358	47	3	were	be	AUX
fsr-3358	47	4	by	by	ADP
fsr-3358	47	5	far	far	ADV
fsr-3358	47	6	the	the	DET
fsr-3358	47	7	most	most	ADV
fsr-3358	47	8	powerful	powerful	ADJ
fsr-3358	47	9	determinant	determinant	NOUN
fsr-3358	47	10	of	of	ADP
fsr-3358	47	11	wealth	wealth	NOUN
fsr-3358	47	12	accumulation	accumulation	NOUN
fsr-3358	47	13	.	.	PUNCT
fsr-3358	48	1	investment	investment	NOUN
fsr-3358	48	2	performance	performance	NOUN
fsr-3358	48	3	played	play	VERB
fsr-3358	48	4	a	a	DET
fsr-3358	48	5	role	role	NOUN
fsr-3358	48	6	in	in	ADP
fsr-3358	48	7	wealth	wealth	NOUN
fsr-3358	48	8	accumulation	accumulation	NOUN
fsr-3358	48	9	,	,	PUNCT
fsr-3358	48	10	but	but	CCONJ
fsr-3358	48	11	it	it	PRON
fsr-3358	48	12	was	be	AUX
fsr-3358	48	13	muted	mute	VERB
fsr-3358	48	14	when	when	SCONJ
fsr-3358	48	15	compared	compare	VERB
fsr-3358	48	16	to	to	ADP
fsr-3358	48	17	savings	saving	NOUN
fsr-3358	48	18	behaviour	behaviour	NOUN
fsr-3358	48	19	.	.	PUNCT
fsr-3358	49	1	grace	grace	NOUN
fsr-3358	49	2	et	et	PROPN
fsr-3358	49	3	al	al	PROPN
fsr-3358	49	4	.	.	PROPN
fsr-3358	49	5	3	3	NUM
fsr-3358	49	6	we	we	PRON
fsr-3358	49	7	note	note	VERB
fsr-3358	49	8	that	that	SCONJ
fsr-3358	49	9	systematic	systematic	ADJ
fsr-3358	49	10	saving	saving	NOUN
fsr-3358	49	11	on	on	ADP
fsr-3358	49	12	a	a	DET
fsr-3358	49	13	regular	regular	ADJ
fsr-3358	49	14	or	or	CCONJ
fsr-3358	49	15	automated	automate	VERB
fsr-3358	49	16	schedule	schedule	NOUN
fsr-3358	49	17	enhanced	enhance	VERB
fsr-3358	49	18	the	the	DET
fsr-3358	49	19	outcomes	outcome	NOUN
fsr-3358	49	20	.	.	PUNCT
fsr-3358	50	1	as	as	SCONJ
fsr-3358	50	2	did	do	AUX
fsr-3358	50	3	saving	save	VERB
fsr-3358	50	4	more	more	ADV
fsr-3358	50	5	frequently	frequently	ADV
fsr-3358	50	6	–	–	PUNCT
fsr-3358	50	7	for	for	ADP
fsr-3358	50	8	example	example	NOUN
fsr-3358	50	9	,	,	PUNCT
fsr-3358	50	10	biweekly	biweekly	ADJ
fsr-3358	50	11	as	as	SCONJ
fsr-3358	50	12	opposed	oppose	VERB
fsr-3358	50	13	to	to	ADP
fsr-3358	50	14	quarterly	quarterly	ADJ
fsr-3358	50	15	or	or	CCONJ
fsr-3358	50	16	irregularly	irregularly	ADV
fsr-3358	50	17	.	.	PUNCT
fsr-3358	51	1	the	the	DET
fsr-3358	51	2	observed	observed	ADJ
fsr-3358	51	3	results	result	NOUN
fsr-3358	51	4	were	be	AUX
fsr-3358	51	5	consistent	consistent	ADJ
fsr-3358	51	6	with	with	ADP
fsr-3358	51	7	stochastic	stochastic	ADJ
fsr-3358	51	8	simulations	simulation	NOUN
fsr-3358	51	9	implying	imply	VERB
fsr-3358	51	10	that	that	SCONJ
fsr-3358	51	11	‘	'	PUNCT
fsr-3358	51	12	the	the	DET
fsr-3358	51	13	math	math	NOUN
fsr-3358	51	14	’	'	PUNCT
fsr-3358	51	15	works	work	VERB
fsr-3358	51	16	.	.	PUNCT
fsr-3358	52	1	we	we	PRON
fsr-3358	52	2	note	note	VERB
fsr-3358	52	3	that	that	SCONJ
fsr-3358	52	4	‘	'	PUNCT
fsr-3358	52	5	keep	keep	VERB
fsr-3358	52	6	it	it	PRON
fsr-3358	52	7	simple	simple	ADJ
fsr-3358	52	8	’	'	PUNCT
fsr-3358	52	9	by	by	ADP
fsr-3358	52	10	automating	automate	VERB
fsr-3358	52	11	savings	saving	NOUN
fsr-3358	52	12	can	can	AUX
fsr-3358	52	13	be	be	AUX
fsr-3358	52	14	an	an	DET
fsr-3358	52	15	effective	effective	ADJ
fsr-3358	52	16	strategy	strategy	NOUN
fsr-3358	52	17	for	for	ADP
fsr-3358	52	18	wealth	wealth	NOUN
fsr-3358	52	19	accumulation	accumulation	NOUN
fsr-3358	52	20	that	that	PRON
fsr-3358	52	21	cuts	cut	VERB
fsr-3358	52	22	through	through	ADP
fsr-3358	52	23	the	the	DET
fsr-3358	52	24	noise	noise	NOUN
fsr-3358	52	25	and	and	CCONJ
fsr-3358	52	26	confusion	confusion	NOUN
fsr-3358	52	27	to	to	PART
fsr-3358	52	28	create	create	VERB
fsr-3358	52	29	a	a	DET
fsr-3358	52	30	tangible	tangible	ADJ
fsr-3358	52	31	impact	impact	NOUN
fsr-3358	52	32	on	on	ADP
fsr-3358	52	33	financial	financial	ADJ
fsr-3358	52	34	wellness	wellness	NOUN
fsr-3358	52	35	.	.	PUNCT
fsr-3358	53	1	across	across	ADP
fsr-3358	53	2	all	all	DET
fsr-3358	53	3	the	the	DET
fsr-3358	53	4	clusters	cluster	NOUN
fsr-3358	53	5	,	,	PUNCT
fsr-3358	53	6	demographics	demographic	NOUN
fsr-3358	53	7	such	such	ADJ
fsr-3358	53	8	as	as	ADP
fsr-3358	53	9	age	age	NOUN
fsr-3358	53	10	,	,	PUNCT
fsr-3358	53	11	gender	gender	NOUN
fsr-3358	53	12	,	,	PUNCT
fsr-3358	53	13	geography	geography	NOUN
fsr-3358	53	14	,	,	PUNCT
fsr-3358	53	15	risk	risk	NOUN
fsr-3358	53	16	tolerance	tolerance	NOUN
fsr-3358	53	17	and	and	CCONJ
fsr-3358	53	18	income	income	NOUN
fsr-3358	53	19	were	be	AUX
fsr-3358	53	20	statistically	statistically	ADV
fsr-3358	53	21	immaterial	immaterial	ADJ
fsr-3358	53	22	in	in	ADP
fsr-3358	53	23	predicting	predict	VERB
fsr-3358	53	24	outcomes	outcome	NOUN
fsr-3358	53	25	with	with	ADP
fsr-3358	53	26	respect	respect	NOUN
fsr-3358	53	27	to	to	ADP
fsr-3358	53	28	wealth	wealth	NOUN
fsr-3358	53	29	accumulation	accumulation	NOUN
fsr-3358	53	30	.	.	PUNCT
fsr-3358	54	1	we	we	PRON
fsr-3358	54	2	observe	observe	VERB
fsr-3358	54	3	that	that	SCONJ
fsr-3358	54	4	advised	advise	VERB
fsr-3358	54	5	investors	investor	NOUN
fsr-3358	54	6	had	have	VERB
fsr-3358	54	7	higher	high	ADJ
fsr-3358	54	8	savings	saving	NOUN
fsr-3358	54	9	rates	rate	NOUN
fsr-3358	54	10	and	and	CCONJ
fsr-3358	54	11	lower	low	ADJ
fsr-3358	54	12	withdrawal	withdrawal	NOUN
fsr-3358	54	13	rates	rate	NOUN
fsr-3358	54	14	than	than	ADP
fsr-3358	54	15	the	the	DET
fsr-3358	54	16	diy	diy	NOUN
fsr-3358	54	17	investors	investor	NOUN
fsr-3358	54	18	although	although	SCONJ
fsr-3358	54	19	the	the	DET
fsr-3358	54	20	size	size	NOUN
fsr-3358	54	21	of	of	ADP
fsr-3358	54	22	the	the	DET
fsr-3358	54	23	diy	diy	NOUN
fsr-3358	54	24	dataset	dataset	NOUN
fsr-3358	54	25	is	be	AUX
fsr-3358	54	26	significantly	significantly	ADV
fsr-3358	54	27	smaller	small	ADJ
fsr-3358	54	28	and	and	CCONJ
fsr-3358	54	29	the	the	DET
fsr-3358	54	30	investors	investor	NOUN
fsr-3358	54	31	significantly	significantly	ADV
fsr-3358	54	32	younger	young	ADJ
fsr-3358	54	33	.	.	PUNCT
fsr-3358	55	1	we	we	PRON
fsr-3358	55	2	observed	observe	VERB
fsr-3358	55	3	that	that	SCONJ
fsr-3358	55	4	56	56	NUM
fsr-3358	55	5	%	%	NOUN
fsr-3358	55	6	of	of	ADP
fsr-3358	55	7	the	the	DET
fsr-3358	55	8	observed	observed	ADJ
fsr-3358	55	9	investors	investor	NOUN
fsr-3358	55	10	in	in	ADP
fsr-3358	55	11	this	this	DET
fsr-3358	55	12	study	study	NOUN
fsr-3358	55	13	did	do	AUX
fsr-3358	55	14	not	not	PART
fsr-3358	55	15	appear	appear	VERB
fsr-3358	55	16	to	to	PART
fsr-3358	55	17	optimize	optimize	VERB
fsr-3358	55	18	their	their	PRON
fsr-3358	55	19	savings	saving	NOUN
fsr-3358	55	20	behaviour	behaviour	NOUN
fsr-3358	55	21	over	over	ADP
fsr-3358	55	22	the	the	DET
fsr-3358	55	23	period	period	NOUN
fsr-3358	55	24	studied	study	VERB
fsr-3358	55	25	as	as	ADP
fsr-3358	55	26	compared	compare	VERB
fsr-3358	55	27	to	to	ADP
fsr-3358	55	28	the	the	DET
fsr-3358	55	29	active	active	ADJ
fsr-3358	55	30	savers	saver	NOUN
fsr-3358	55	31	.	.	PUNCT
fsr-3358	56	1	despite	despite	SCONJ
fsr-3358	56	2	the	the	DET
fsr-3358	56	3	extensive	extensive	ADJ
fsr-3358	56	4	study	study	NOUN
fsr-3358	56	5	by	by	ADP
fsr-3358	56	6	multiple	multiple	ADJ
fsr-3358	56	7	disciplines	discipline	NOUN
fsr-3358	56	8	,	,	PUNCT
fsr-3358	56	9	savings	saving	NOUN
fsr-3358	56	10	rates	rate	NOUN
fsr-3358	56	11	in	in	ADP
fsr-3358	56	12	canada	canada	PROPN
fsr-3358	56	13	are	be	AUX
fsr-3358	56	14	not	not	PART
fsr-3358	56	15	improving	improve	VERB
fsr-3358	56	16	.	.	PUNCT
fsr-3358	57	1	canadian	canadian	ADJ
fsr-3358	57	2	savings	saving	NOUN
fsr-3358	57	3	rates	rate	NOUN
fsr-3358	57	4	have	have	AUX
fsr-3358	57	5	been	be	AUX
fsr-3358	57	6	slowly	slowly	ADV
fsr-3358	57	7	eroding	erode	VERB
fsr-3358	57	8	for	for	ADP
fsr-3358	57	9	over	over	ADP
fsr-3358	57	10	20	20	NUM
fsr-3358	57	11	years	year	NOUN
fsr-3358	57	12	.	.	PUNCT
fsr-3358	58	1	they	they	PRON
fsr-3358	58	2	trended	trend	VERB
fsr-3358	58	3	up	up	ADP
fsr-3358	58	4	during	during	ADP
fsr-3358	58	5	the	the	DET
fsr-3358	58	6	2019	2019	NUM
fsr-3358	58	7	pandemic	pandemic	ADJ
fsr-3358	58	8	but	but	CCONJ
fsr-3358	58	9	have	have	AUX
fsr-3358	58	10	subsequently	subsequently	ADV
fsr-3358	58	11	reverted	revert	VERB
fsr-3358	58	12	to	to	ADP
fsr-3358	58	13	pre	pre	ADJ
fsr-3358	58	14	-	-	ADJ
fsr-3358	58	15	pandemic	pandemic	ADJ
fsr-3358	58	16	levels	level	NOUN
fsr-3358	58	17	levels	level	NOUN
fsr-3358	58	18	described	describe	VERB
fsr-3358	58	19	by	by	ADP
fsr-3358	58	20	some	some	DET
fsr-3358	58	21	policy	policy	NOUN
fsr-3358	58	22	makers	maker	NOUN
fsr-3358	58	23	as	as	ADP
fsr-3358	58	24	dangerously	dangerously	ADV
fsr-3358	58	25	low	low	ADJ
fsr-3358	58	26	.	.	PUNCT
fsr-3358	59	1	canadian	canadian	ADJ
fsr-3358	59	2	savings	saving	NOUN
fsr-3358	59	3	rates	rate	NOUN
fsr-3358	59	4	are	be	AUX
fsr-3358	59	5	currently	currently	ADV
fsr-3358	59	6	“	"	PUNCT
fsr-3358	59	7	middle	middle	NOUN
fsr-3358	59	8	of	of	ADP
fsr-3358	59	9	the	the	DET
fsr-3358	59	10	pack	pack	NOUN
fsr-3358	59	11	”	"	PUNCT
fsr-3358	59	12	among	among	ADP
fsr-3358	59	13	g20	g20	NOUN
fsr-3358	59	14	countries	country	NOUN
fsr-3358	59	15	and	and	CCONJ
fsr-3358	59	16	forecasted	forecast	VERB
fsr-3358	59	17	to	to	PART
fsr-3358	59	18	be	be	AUX
fsr-3358	59	19	the	the	DET
fsr-3358	59	20	lowest	low	ADJ
fsr-3358	59	21	amongst	amongst	ADP
fsr-3358	59	22	the	the	DET
fsr-3358	59	23	g20	g20	NOUN
fsr-3358	59	24	by	by	ADP
fsr-3358	59	25	2025	2025	NUM
fsr-3358	59	26	.	.	PUNCT
fsr-3358	60	1	in	in	ADP
fsr-3358	60	2	2023	2023	NUM
fsr-3358	60	3	,	,	PUNCT
fsr-3358	60	4	canadian	canadian	ADJ
fsr-3358	60	5	households	household	NOUN
fsr-3358	60	6	are	be	AUX
fsr-3358	60	7	preoccupied	preoccupy	VERB
fsr-3358	60	8	with	with	ADP
fsr-3358	60	9	inflation	inflation	NOUN
fsr-3358	60	10	and	and	CCONJ
fsr-3358	60	11	the	the	DET
fsr-3358	60	12	impact	impact	NOUN
fsr-3358	60	13	of	of	ADP
fsr-3358	60	14	rising	rise	VERB
fsr-3358	60	15	interest	interest	NOUN
fsr-3358	60	16	rates	rate	NOUN
fsr-3358	60	17	,	,	PUNCT
fsr-3358	60	18	putting	put	VERB
fsr-3358	60	19	pressure	pressure	NOUN
fsr-3358	60	20	on	on	ADP
fsr-3358	60	21	household	household	NOUN
fsr-3358	60	22	budgets	budget	NOUN
fsr-3358	60	23	and	and	CCONJ
fsr-3358	60	24	the	the	DET
fsr-3358	60	25	potential	potential	NOUN
fsr-3358	60	26	for	for	SCONJ
fsr-3358	60	27	savings	saving	NOUN
fsr-3358	60	28	rates	rate	NOUN
fsr-3358	60	29	to	to	PART
fsr-3358	60	30	decline	decline	VERB
fsr-3358	60	31	further	far	ADV
fsr-3358	60	32	.	.	PUNCT
fsr-3358	61	1	on	on	ADP
fsr-3358	61	2	average	average	ADJ
fsr-3358	61	3	,	,	PUNCT
fsr-3358	61	4	spending	spending	NOUN
fsr-3358	61	5	is	be	AUX
fsr-3358	61	6	outstripping	outstrip	VERB
fsr-3358	61	7	incomes	income	NOUN
fsr-3358	61	8	,	,	PUNCT
fsr-3358	61	9	household	household	NOUN
fsr-3358	61	10	debt	debt	NOUN
fsr-3358	61	11	levels	level	NOUN
fsr-3358	61	12	are	be	AUX
fsr-3358	61	13	rising	rise	VERB
fsr-3358	61	14	,	,	PUNCT
fsr-3358	61	15	and	and	CCONJ
fsr-3358	61	16	a	a	DET
fsr-3358	61	17	significant	significant	ADJ
fsr-3358	61	18	percentage	percentage	NOUN
fsr-3358	61	19	of	of	ADP
fsr-3358	61	20	canadians	canadian	NOUN
fsr-3358	61	21	are	be	AUX
fsr-3358	61	22	worried	worried	ADJ
fsr-3358	61	23	about	about	ADP
fsr-3358	61	24	having	have	VERB
fsr-3358	61	25	sufficient	sufficient	ADJ
fsr-3358	61	26	retirement	retirement	NOUN
fsr-3358	61	27	savings	saving	NOUN
fsr-3358	61	28	.	.	PUNCT
fsr-3358	62	1	perhaps	perhaps	ADV
fsr-3358	62	2	the	the	DET
fsr-3358	62	3	trends	trend	NOUN
fsr-3358	62	4	noted	note	VERB
fsr-3358	62	5	above	above	ADV
fsr-3358	62	6	could	could	AUX
fsr-3358	62	7	be	be	AUX
fsr-3358	62	8	reversed	reverse	VERB
fsr-3358	62	9	if	if	SCONJ
fsr-3358	62	10	more	more	ADJ
fsr-3358	62	11	canadians	canadian	NOUN
fsr-3358	62	12	could	could	AUX
fsr-3358	62	13	be	be	AUX
fsr-3358	62	14	encouraged	encourage	VERB
fsr-3358	62	15	to	to	PART
fsr-3358	62	16	follow	follow	VERB
fsr-3358	62	17	simple	simple	ADJ
fsr-3358	62	18	,	,	PUNCT
fsr-3358	62	19	automated	automate	VERB
fsr-3358	62	20	savings	saving	NOUN
fsr-3358	62	21	plans	plan	NOUN
fsr-3358	62	22	?	?	PUNCT
fsr-3358	63	1	literature	literature	NOUN
fsr-3358	63	2	review	review	PROPN
fsr-3358	63	3	and	and	CCONJ
fsr-3358	63	4	background	background	NOUN
fsr-3358	63	5	context	context	VERB
fsr-3358	63	6	the	the	DET
fsr-3358	63	7	topic	topic	NOUN
fsr-3358	63	8	of	of	ADP
fsr-3358	63	9	‘	'	PUNCT
fsr-3358	63	10	saving	saving	NOUN
fsr-3358	63	11	’	'	PUNCT
fsr-3358	63	12	has	have	AUX
fsr-3358	63	13	been	be	AUX
fsr-3358	63	14	explored	explore	VERB
fsr-3358	63	15	by	by	ADP
fsr-3358	63	16	several	several	ADJ
fsr-3358	63	17	disciplines	discipline	NOUN
fsr-3358	63	18	.	.	PUNCT
fsr-3358	64	1	over	over	ADP
fsr-3358	64	2	the	the	DET
fsr-3358	64	3	years	year	NOUN
fsr-3358	64	4	,	,	PUNCT
fsr-3358	64	5	the	the	DET
fsr-3358	64	6	topic	topic	NOUN
fsr-3358	64	7	has	have	AUX
fsr-3358	64	8	proven	prove	VERB
fsr-3358	64	9	to	to	PART
fsr-3358	64	10	be	be	AUX
fsr-3358	64	11	important	important	ADJ
fsr-3358	64	12	to	to	ADP
fsr-3358	64	13	policy	policy	NOUN
fsr-3358	64	14	makers	maker	NOUN
fsr-3358	64	15	,	,	PUNCT
fsr-3358	64	16	economists	economist	NOUN
fsr-3358	64	17	,	,	PUNCT
fsr-3358	64	18	portfolio	portfolio	NOUN
fsr-3358	64	19	managers	manager	NOUN
fsr-3358	64	20	,	,	PUNCT
fsr-3358	64	21	actuaries	actuary	NOUN
fsr-3358	64	22	,	,	PUNCT
fsr-3358	64	23	and	and	CCONJ
fsr-3358	64	24	behavioural	behavioural	ADJ
fsr-3358	64	25	scientists	scientist	NOUN
fsr-3358	64	26	.	.	PUNCT
fsr-3358	65	1	the	the	DET
fsr-3358	65	2	topic	topic	NOUN
fsr-3358	65	3	is	be	AUX
fsr-3358	65	4	also	also	ADV
fsr-3358	65	5	important	important	ADJ
fsr-3358	65	6	to	to	ADP
fsr-3358	65	7	the	the	DET
fsr-3358	65	8	financial	financial	ADJ
fsr-3358	65	9	services	service	NOUN
fsr-3358	65	10	industry	industry	NOUN
fsr-3358	65	11	who	who	PRON
fsr-3358	65	12	look	look	VERB
fsr-3358	65	13	to	to	ADP
fsr-3358	65	14	‘	'	PUNCT
fsr-3358	65	15	household	household	NOUN
fsr-3358	65	16	saving	saving	NOUN
fsr-3358	65	17	’	'	PUNCT
fsr-3358	65	18	to	to	PART
fsr-3358	65	19	fuel	fuel	VERB
fsr-3358	65	20	a	a	DET
fsr-3358	65	21	plethora	plethora	NOUN
fsr-3358	65	22	of	of	ADP
fsr-3358	65	23	investment	investment	NOUN
fsr-3358	65	24	products	product	NOUN
fsr-3358	65	25	and	and	CCONJ
fsr-3358	65	26	services	service	NOUN
fsr-3358	65	27	.	.	PUNCT
fsr-3358	66	1	more	more	ADV
fsr-3358	66	2	recently	recently	ADV
fsr-3358	66	3	it	it	PRON
fsr-3358	66	4	has	have	AUX
fsr-3358	66	5	also	also	ADV
fsr-3358	66	6	been	be	AUX
fsr-3358	66	7	viewed	view	VERB
fsr-3358	66	8	as	as	ADP
fsr-3358	66	9	intrinsic	intrinsic	ADJ
fsr-3358	66	10	to	to	ADP
fsr-3358	66	11	the	the	DET
fsr-3358	66	12	definition	definition	NOUN
fsr-3358	66	13	of	of	ADP
fsr-3358	66	14	financial	financial	ADJ
fsr-3358	66	15	wellness	wellness	NOUN
fsr-3358	66	16	.	.	PUNCT
fsr-3358	67	1	quantitative	quantitative	ADJ
fsr-3358	67	2	modelling	modelling	NOUN
fsr-3358	67	3	:	:	PUNCT
fsr-3358	67	4	savings	saving	NOUN
fsr-3358	67	5	or	or	CCONJ
fsr-3358	67	6	returns	return	NOUN
fsr-3358	67	7	both	both	CCONJ
fsr-3358	67	8	empirical	empirical	ADJ
fsr-3358	67	9	evidence	evidence	NOUN
fsr-3358	67	10	and	and	CCONJ
fsr-3358	67	11	the	the	DET
fsr-3358	67	12	quantitative	quantitative	ADJ
fsr-3358	67	13	modelling	modelling	NOUN
fsr-3358	67	14	sketched	sketch	VERB
fsr-3358	67	15	below	below	ADV
fsr-3358	67	16	,	,	PUNCT
fsr-3358	67	17	and	and	CCONJ
fsr-3358	67	18	expanded	expand	VERB
fsr-3358	67	19	in	in	ADP
fsr-3358	67	20	appendix	appendix	NOUN
fsr-3358	67	21	2	2	NUM
fsr-3358	67	22	,	,	PUNCT
fsr-3358	67	23	suggest	suggest	VERB
fsr-3358	67	24	that	that	SCONJ
fsr-3358	67	25	by	by	ADP
fsr-3358	67	26	middle	middle	ADJ
fsr-3358	67	27	age	age	NOUN
fsr-3358	67	28	investors	investor	NOUN
fsr-3358	67	29	are	be	AUX
fsr-3358	67	30	likely	likely	ADJ
fsr-3358	67	31	to	to	PART
fsr-3358	67	32	accumulate	accumulate	VERB
fsr-3358	67	33	a	a	DET
fsr-3358	67	34	large	large	ADJ
fsr-3358	67	35	enough	enough	ADJ
fsr-3358	67	36	capital	capital	NOUN
fsr-3358	67	37	base	base	NOUN
fsr-3358	67	38	that	that	PRON
fsr-3358	67	39	their	their	PRON
fsr-3358	67	40	investment	investment	NOUN
fsr-3358	67	41	decisions	decision	NOUN
fsr-3358	67	42	are	be	AUX
fsr-3358	67	43	as	as	ADP
fsr-3358	67	44	impacted	impact	VERB
fsr-3358	67	45	by	by	ADP
fsr-3358	67	46	return	return	NOUN
fsr-3358	67	47	considerations	consideration	NOUN
fsr-3358	67	48	as	as	ADP
fsr-3358	67	49	by	by	ADP
fsr-3358	67	50	considerations	consideration	NOUN
fsr-3358	67	51	of	of	ADP
fsr-3358	67	52	savings	saving	NOUN
fsr-3358	67	53	rate	rate	NOUN
fsr-3358	67	54	.	.	PUNCT
fsr-3358	68	1	it	it	PRON
fsr-3358	68	2	is	be	AUX
fsr-3358	68	3	at	at	ADP
fsr-3358	68	4	this	this	DET
fsr-3358	68	5	stage	stage	NOUN
fsr-3358	68	6	,	,	PUNCT
fsr-3358	68	7	when	when	SCONJ
fsr-3358	68	8	investors	investor	NOUN
fsr-3358	68	9	are	be	AUX
fsr-3358	68	10	in	in	ADP
fsr-3358	68	11	their	their	PRON
fsr-3358	68	12	early	early	ADJ
fsr-3358	68	13	40s	40	NOUN
fsr-3358	68	14	,	,	PUNCT
fsr-3358	68	15	that	that	SCONJ
fsr-3358	68	16	many	many	ADJ
fsr-3358	68	17	many	many	ADJ
fsr-3358	68	18	people	people	NOUN
fsr-3358	68	19	decide	decide	VERB
fsr-3358	68	20	to	to	PART
fsr-3358	68	21	move	move	VERB
fsr-3358	68	22	their	their	PRON
fsr-3358	68	23	assets	asset	NOUN
fsr-3358	68	24	to	to	ADP
fsr-3358	68	25	a	a	DET
fsr-3358	68	26	more	more	ADV
fsr-3358	68	27	full	full	ADJ
fsr-3358	68	28	-	-	PUNCT
fsr-3358	68	29	service	service	NOUN
fsr-3358	68	30	investment	investment	NOUN
fsr-3358	68	31	manager	manager	NOUN
fsr-3358	68	32	,	,	PUNCT
fsr-3358	68	33	like	like	ADP
fsr-3358	68	34	investors	investor	NOUN
fsr-3358	68	35	in	in	ADP
fsr-3358	68	36	our	our	PRON
fsr-3358	68	37	dataset	dataset	NOUN
fsr-3358	68	38	.	.	PUNCT
fsr-3358	69	1	however	however	ADV
fsr-3358	69	2	,	,	PUNCT
fsr-3358	69	3	savings	saving	NOUN
fsr-3358	69	4	rates	rate	NOUN
fsr-3358	69	5	fall	fall	VERB
fsr-3358	69	6	under	under	ADP
fsr-3358	69	7	the	the	DET
fsr-3358	69	8	direct	direct	ADJ
fsr-3358	69	9	control	control	NOUN
fsr-3358	69	10	of	of	ADP
fsr-3358	69	11	these	these	DET
fsr-3358	69	12	investors	investor	NOUN
fsr-3358	69	13	while	while	SCONJ
fsr-3358	69	14	investment	investment	NOUN
fsr-3358	69	15	returns	return	VERB
fsr-3358	69	16	only	only	ADV
fsr-3358	69	17	weakly	weakly	ADV
fsr-3358	69	18	so	so	ADV
fsr-3358	69	19	.	.	PUNCT
fsr-3358	70	1	according	accord	VERB
fsr-3358	70	2	to	to	ADP
fsr-3358	70	3	a	a	DET
fsr-3358	70	4	standard	standard	ADJ
fsr-3358	70	5	and	and	CCONJ
fsr-3358	70	6	simple	simple	ADJ
fsr-3358	70	7	discrete	discrete	ADJ
fsr-3358	70	8	time	time	NOUN
fsr-3358	70	9	model	model	NOUN
fsr-3358	70	10	in	in	ADP
fsr-3358	70	11	which	which	PRON
fsr-3358	70	12	an	an	DET
fsr-3358	70	13	investor	investor	NOUN
fsr-3358	70	14	begins	begin	VERB
fsr-3358	70	15	at	at	ADP
fsr-3358	70	16	t	t	NOUN
fsr-3358	70	17	=	=	SYM
fsr-3358	70	18	0	0	NUM
fsr-3358	70	19	with	with	ADP
fsr-3358	70	20	assets	asset	NOUN
fsr-3358	70	21	v0	v0	NOUN
fsr-3358	70	22	,	,	PUNCT
fsr-3358	70	23	invests	invest	VERB
fsr-3358	70	24	a	a	DET
fsr-3358	70	25	constant	constant	ADJ
fsr-3358	70	26	fraction	fraction	NOUN
fsr-3358	70	27	f	f	PROPN
fsr-3358	70	28	of	of	ADP
fsr-3358	70	29	a	a	DET
fsr-3358	70	30	constant	constant	ADJ
fsr-3358	70	31	income	income	NOUN
fsr-3358	70	32	x	x	NOUN
fsr-3358	70	33	each	each	DET
fsr-3358	70	34	time	time	NOUN
fsr-3358	70	35	period	period	NOUN
fsr-3358	70	36	,	,	PUNCT
fsr-3358	70	37	and	and	CCONJ
fsr-3358	70	38	invests	invest	NOUN
fsr-3358	70	39	at	at	ADP
fsr-3358	70	40	a	a	DET
fsr-3358	70	41	constant	constant	ADJ
fsr-3358	70	42	return	return	NOUN
fsr-3358	70	43	rate	rate	NOUN
fsr-3358	70	44	μ	μ	NOUN
fsr-3358	70	45	reinvesting	reinveste	VERB
fsr-3358	70	46	all	all	DET
fsr-3358	70	47	proceeds	proceed	NOUN
fsr-3358	70	48	,	,	PUNCT
fsr-3358	70	49	it	it	PRON
fsr-3358	70	50	can	can	AUX
fsr-3358	70	51	be	be	AUX
fsr-3358	70	52	shown	show	VERB
fsr-3358	70	53	that	that	SCONJ
fsr-3358	70	54	to	to	PART
fsr-3358	70	55	close	close	VERB
fsr-3358	70	56	approximation	approximation	NOUN
fsr-3358	70	57	the	the	DET
fsr-3358	70	58	growth	growth	NOUN
fsr-3358	70	59	in	in	ADP
fsr-3358	70	60	a	a	DET
fsr-3358	70	61	portfolio	portfolio	NOUN
fsr-3358	70	62	over	over	ADP
fsr-3358	70	63	a	a	DET
fsr-3358	70	64	small	small	ADJ
fsr-3358	70	65	k(=	k(=	PROPN
fsr-3358	70	66	2	2	NUM
fsr-3358	70	67	or	or	CCONJ
fsr-3358	70	68	3	3	NUM
fsr-3358	70	69	)	)	PUNCT
fsr-3358	70	70	years	year	NOUN
fsr-3358	70	71	is	be	AUX
fsr-3358	70	72	given	give	VERB
fsr-3358	70	73	by	by	ADP
fsr-3358	70	74	:	:	PUNCT
fsr-3358	70	75	vn+k	vn+k	NUM
fsr-3358	70	76	–	–	PUNCT
fsr-3358	70	77	vn	vn	X
fsr-3358	70	78	=	=	PUNCT
fsr-3358	70	79	fkx	fkx	PROPN
fsr-3358	70	80	+	+	NUM
fsr-3358	70	81	μkvn	μkvn	NOUN
fsr-3358	70	82	+	+	CCONJ
fsr-3358	70	83	½	½	NOUN
fsr-3358	70	84	μ2k(k-1)vn	μ2k(k-1)vn	NOUN
fsr-3358	70	85	+	+	CCONJ
fsr-3358	70	86	½	½	NOUN
fsr-3358	70	87	fμk(k-1)x	fμk(k-1)x	NOUN
fsr-3358	70	88	the	the	DET
fsr-3358	70	89	impact	impact	NOUN
fsr-3358	70	90	of	of	ADP
fsr-3358	70	91	μ	μ	PROPN
fsr-3358	70	92	will	will	AUX
fsr-3358	70	93	be	be	AUX
fsr-3358	70	94	small	small	ADJ
fsr-3358	70	95	compared	compare	VERB
fsr-3358	70	96	to	to	ADP
fsr-3358	70	97	the	the	DET
fsr-3358	70	98	impact	impact	NOUN
fsr-3358	70	99	of	of	ADP
fsr-3358	70	100	f	f	PROPN
fsr-3358	70	101	until	until	ADP
fsr-3358	70	102	such	such	ADJ
fsr-3358	70	103	time	time	NOUN
fsr-3358	70	104	as	as	SCONJ
fsr-3358	70	105	the	the	DET
fsr-3358	70	106	portfolio	portfolio	NOUN
fsr-3358	70	107	grows	grow	VERB
fsr-3358	70	108	to	to	PART
fsr-3358	70	109	be	be	AUX
fsr-3358	70	110	about	about	ADP
fsr-3358	70	111	twice	twice	DET
fsr-3358	70	112	the	the	DET
fsr-3358	70	113	income	income	NOUN
fsr-3358	70	114	of	of	ADP
fsr-3358	70	115	the	the	DET
fsr-3358	70	116	investor	investor	NOUN
fsr-3358	70	117	.	.	PUNCT
fsr-3358	71	1	this	this	PRON
fsr-3358	71	2	occurs	occur	VERB
fsr-3358	71	3	at	at	ADP
fsr-3358	71	4	about	about	ADP
fsr-3358	71	5	the	the	DET
fsr-3358	71	6	time	time	NOUN
fsr-3358	71	7	ln(2)/μ	ln(2)/μ	NOUN
fsr-3358	71	8	which	which	PRON
fsr-3358	71	9	is	be	AUX
fsr-3358	71	10	14	14	NUM
fsr-3358	71	11	for	for	ADP
fsr-3358	71	12	μ	μ	NOUN
fsr-3358	71	13	=	=	SYM
fsr-3358	71	14	5	5	NUM
fsr-3358	71	15	%	%	NOUN
fsr-3358	71	16	.	.	PUNCT
fsr-3358	72	1	however	however	ADV
fsr-3358	72	2	,	,	PUNCT
fsr-3358	72	3	this	this	DET
fsr-3358	72	4	mathematical	mathematical	ADJ
fsr-3358	72	5	sensitivity	sensitivity	NOUN
fsr-3358	72	6	analysis	analysis	NOUN
fsr-3358	72	7	does	do	AUX
fsr-3358	72	8	not	not	PART
fsr-3358	72	9	consider	consider	VERB
fsr-3358	72	10	the	the	DET
fsr-3358	72	11	fact	fact	NOUN
fsr-3358	72	12	that	that	SCONJ
fsr-3358	72	13	the	the	DET
fsr-3358	72	14	savings	saving	NOUN
fsr-3358	72	15	rates	rate	NOUN
fsr-3358	72	16	are	be	AUX
fsr-3358	72	17	more	more	ADV
fsr-3358	72	18	completely	completely	ADV
fsr-3358	72	19	under	under	ADP
fsr-3358	72	20	the	the	DET
fsr-3358	72	21	control	control	NOUN
fsr-3358	72	22	of	of	ADP
fsr-3358	72	23	an	an	DET
fsr-3358	72	24	investor	investor	NOUN
fsr-3358	72	25	than	than	ADP
fsr-3358	72	26	the	the	DET
fsr-3358	72	27	return	return	NOUN
fsr-3358	72	28	rate	rate	NOUN
fsr-3358	72	29	.	.	PUNCT
fsr-3358	73	1	the	the	DET
fsr-3358	73	2	reality	reality	NOUN
fsr-3358	73	3	is	be	AUX
fsr-3358	73	4	that	that	SCONJ
fsr-3358	73	5	it	it	PRON
fsr-3358	73	6	is	be	AUX
fsr-3358	73	7	hard	hard	ADJ
fsr-3358	73	8	to	to	PART
fsr-3358	73	9	move	move	VERB
fsr-3358	73	10	μ	μ	NOUN
fsr-3358	73	11	very	very	ADV
fsr-3358	73	12	much	much	ADV
fsr-3358	73	13	,	,	PUNCT
fsr-3358	73	14	and	and	CCONJ
fsr-3358	73	15	(	(	PUNCT
fsr-3358	73	16	in	in	ADP
fsr-3358	73	17	contrast	contrast	NOUN
fsr-3358	73	18	to	to	ADP
fsr-3358	73	19	our	our	PRON
fsr-3358	73	20	simple	simple	ADJ
fsr-3358	73	21	model	model	NOUN
fsr-3358	73	22	here	here	ADV
fsr-3358	73	23	)	)	PUNCT
fsr-3358	73	24	,	,	PUNCT
fsr-3358	73	25	μ	μ	PROPN
fsr-3358	73	26	is	be	AUX
fsr-3358	73	27	random	random	ADJ
fsr-3358	73	28	.	.	PUNCT
fsr-3358	74	1	the	the	DET
fsr-3358	74	2	goal	goal	NOUN
fsr-3358	74	3	of	of	ADP
fsr-3358	74	4	this	this	DET
fsr-3358	74	5	paper	paper	NOUN
fsr-3358	74	6	is	be	AUX
fsr-3358	74	7	to	to	PART
fsr-3358	74	8	see	see	VERB
fsr-3358	74	9	if	if	SCONJ
fsr-3358	74	10	there	there	PRON
fsr-3358	74	11	are	be	VERB
fsr-3358	74	12	natural	natural	ADJ
fsr-3358	74	13	groupings	grouping	NOUN
fsr-3358	74	14	of	of	ADP
fsr-3358	74	15	investors	investor	NOUN
fsr-3358	74	16	–	–	PUNCT
fsr-3358	74	17	some	some	PRON
fsr-3358	74	18	of	of	ADP
fsr-3358	74	19	whom	whom	PRON
fsr-3358	74	20	appear	appear	VERB
fsr-3358	74	21	to	to	PART
fsr-3358	74	22	be	be	AUX
fsr-3358	74	23	working	work	VERB
fsr-3358	74	24	on	on	ADP
fsr-3358	74	25	enhancing	enhance	VERB
fsr-3358	74	26	μ	μ	PROPN
fsr-3358	74	27	through	through	ADP
fsr-3358	74	28	market	market	NOUN
fsr-3358	74	29	timing	timing	NOUN
fsr-3358	74	30	,	,	PUNCT
fsr-3358	74	31	and	and	CCONJ
fsr-3358	74	32	others	other	NOUN
fsr-3358	74	33	concentrating	concentrate	VERB
fsr-3358	74	34	more	more	ADV
fsr-3358	74	35	on	on	ADP
fsr-3358	74	36	savings	saving	NOUN
fsr-3358	74	37	,	,	PUNCT
fsr-3358	74	38	financial	financial	ADJ
fsr-3358	74	39	services	service	NOUN
fsr-3358	74	40	review	review	NOUN
fsr-3358	74	41	,	,	PUNCT
fsr-3358	74	42	32(2	32(2	NUM
fsr-3358	74	43	)	)	PUNCT
fsr-3358	74	44	4	4	NUM
fsr-3358	74	45	and	and	CCONJ
fsr-3358	74	46	to	to	PART
fsr-3358	74	47	compare	compare	VERB
fsr-3358	74	48	them	they	PRON
fsr-3358	74	49	over	over	ADP
fsr-3358	74	50	a	a	DET
fsr-3358	74	51	real	real	ADJ
fsr-3358	74	52	time	time	NOUN
fsr-3358	74	53	-	-	PUNCT
fsr-3358	74	54	period	period	NOUN
fsr-3358	74	55	to	to	PART
fsr-3358	74	56	see	see	VERB
fsr-3358	74	57	which	which	DET
fsr-3358	74	58	group	group	NOUN
fsr-3358	74	59	can	can	AUX
fsr-3358	74	60	generate	generate	VERB
fsr-3358	74	61	more	more	ADJ
fsr-3358	74	62	retirement	retirement	NOUN
fsr-3358	74	63	savings	saving	NOUN
fsr-3358	74	64	.	.	PUNCT
fsr-3358	75	1	life	life	NOUN
fsr-3358	75	2	cycle	cycle	NOUN
fsr-3358	75	3	hypothesis	hypothesis	NOUN
fsr-3358	75	4	our	our	PRON
fsr-3358	75	5	research	research	NOUN
fsr-3358	75	6	touches	touch	VERB
fsr-3358	75	7	on	on	ADP
fsr-3358	75	8	the	the	DET
fsr-3358	75	9	theoretical	theoretical	ADJ
fsr-3358	75	10	life	life	NOUN
fsr-3358	75	11	cycle	cycle	NOUN
fsr-3358	75	12	hypothesis	hypothesis	NOUN
fsr-3358	75	13	framework	framework	NOUN
fsr-3358	75	14	proposed	propose	VERB
fsr-3358	75	15	by	by	ADP
fsr-3358	75	16	modigliani	modigliani	PROPN
fsr-3358	75	17	et	et	PROPN
fsr-3358	75	18	al	al	PROPN
fsr-3358	75	19	.	.	PROPN
fsr-3358	76	1	in	in	ADP
fsr-3358	76	2	1954	1954	NUM
fsr-3358	76	3	.	.	PUNCT
fsr-3358	77	1	the	the	DET
fsr-3358	77	2	scholars	scholar	NOUN
fsr-3358	77	3	proposed	propose	VERB
fsr-3358	77	4	that	that	SCONJ
fsr-3358	77	5	an	an	DET
fsr-3358	77	6	optimizing	optimize	VERB
fsr-3358	77	7	behaviour	behaviour	NOUN
fsr-3358	77	8	implies	imply	VERB
fsr-3358	77	9	a	a	DET
fsr-3358	77	10	smooth	smooth	ADJ
fsr-3358	77	11	consumption	consumption	NOUN
fsr-3358	77	12	and	and	CCONJ
fsr-3358	77	13	lifetime	lifetime	NOUN
fsr-3358	77	14	utility	utility	NOUN
fsr-3358	77	15	where	where	SCONJ
fsr-3358	77	16	individuals	individual	NOUN
fsr-3358	77	17	accumulate	accumulate	VERB
fsr-3358	77	18	wealth	wealth	NOUN
fsr-3358	77	19	through	through	ADP
fsr-3358	77	20	savings	saving	NOUN
fsr-3358	77	21	during	during	ADP
fsr-3358	77	22	their	their	PRON
fsr-3358	77	23	working	working	NOUN
fsr-3358	77	24	years	year	NOUN
fsr-3358	77	25	.	.	PUNCT
fsr-3358	78	1	the	the	DET
fsr-3358	78	2	hypothesis	hypothesis	NOUN
fsr-3358	78	3	posits	posit	NOUN
fsr-3358	78	4	that	that	SCONJ
fsr-3358	78	5	individuals	individual	NOUN
fsr-3358	78	6	will	will	AUX
fsr-3358	78	7	transition	transition	VERB
fsr-3358	78	8	to	to	ADP
fsr-3358	78	9	retirement	retirement	NOUN
fsr-3358	78	10	at	at	ADP
fsr-3358	78	11	a	a	DET
fsr-3358	78	12	lifetime	lifetime	NOUN
fsr-3358	78	13	peak	peak	NOUN
fsr-3358	78	14	in	in	ADP
fsr-3358	78	15	income	income	NOUN
fsr-3358	78	16	and	and	CCONJ
fsr-3358	78	17	wealth	wealth	NOUN
fsr-3358	78	18	.	.	PUNCT
fsr-3358	79	1	our	our	PRON
fsr-3358	79	2	research	research	NOUN
fsr-3358	79	3	contributes	contribute	VERB
fsr-3358	79	4	to	to	ADP
fsr-3358	79	5	the	the	DET
fsr-3358	79	6	research	research	NOUN
fsr-3358	79	7	in	in	ADP
fsr-3358	79	8	this	this	DET
fsr-3358	79	9	area	area	NOUN
fsr-3358	79	10	by	by	ADP
fsr-3358	79	11	examining	examine	VERB
fsr-3358	79	12	actual	actual	ADJ
fsr-3358	79	13	individual	individual	ADJ
fsr-3358	79	14	portfolios	portfolio	NOUN
fsr-3358	79	15	as	as	SCONJ
fsr-3358	79	16	they	they	PRON
fsr-3358	79	17	approach	approach	VERB
fsr-3358	79	18	what	what	PRON
fsr-3358	79	19	should	should	AUX
fsr-3358	79	20	be	be	AUX
fsr-3358	79	21	the	the	DET
fsr-3358	79	22	peak	peak	NOUN
fsr-3358	79	23	in	in	ADP
fsr-3358	79	24	their	their	PRON
fsr-3358	79	25	consumption	consumption	NOUN
fsr-3358	79	26	curve	curve	NOUN
fsr-3358	79	27	.	.	PUNCT
fsr-3358	80	1	financial	financial	ADJ
fsr-3358	80	2	wellness	wellness	NOUN
fsr-3358	80	3	and	and	CCONJ
fsr-3358	80	4	savings	saving	NOUN
fsr-3358	80	5	recently	recently	ADV
fsr-3358	80	6	,	,	PUNCT
fsr-3358	80	7	savings	saving	NOUN
fsr-3358	80	8	have	have	AUX
fsr-3358	80	9	been	be	AUX
fsr-3358	80	10	linked	link	VERB
fsr-3358	80	11	to	to	ADP
fsr-3358	80	12	the	the	DET
fsr-3358	80	13	concept	concept	NOUN
fsr-3358	80	14	of	of	ADP
fsr-3358	80	15	financial	financial	ADJ
fsr-3358	80	16	wellness	wellness	NOUN
fsr-3358	80	17	(	(	PUNCT
fsr-3358	80	18	vlaev	vlaev	PROPN
fsr-3358	80	19	et	et	PROPN
fsr-3358	80	20	al	al	PROPN
fsr-3358	80	21	.	.	PROPN
fsr-3358	80	22	,	,	PUNCT
fsr-3358	80	23	2014	2014	NUM
fsr-3358	80	24	,	,	PUNCT
fsr-3358	80	25	kempson	kempson	PROPN
fsr-3358	80	26	et	et	PROPN
fsr-3358	80	27	al	al	PROPN
fsr-3358	80	28	.	.	PROPN
fsr-3358	80	29	,	,	PUNCT
fsr-3358	80	30	2017	2017	NUM
fsr-3358	80	31	,	,	PUNCT
fsr-3358	80	32	suh	suh	PROPN
fsr-3358	80	33	2021	2021	NUM
fsr-3358	80	34	,	,	PUNCT
fsr-3358	80	35	metzler	metzler	NOUN
fsr-3358	80	36	2021	2021	NUM
fsr-3358	80	37	)	)	PUNCT
fsr-3358	80	38	.	.	PUNCT
fsr-3358	81	1	in	in	ADP
fsr-3358	81	2	their	their	PRON
fsr-3358	81	3	ground	ground	NOUN
fsr-3358	81	4	-	-	PUNCT
fsr-3358	81	5	breaking	break	VERB
fsr-3358	81	6	research	research	NOUN
fsr-3358	81	7	,	,	PUNCT
fsr-3358	81	8	kempson	kempson	PROPN
fsr-3358	81	9	et	et	PROPN
fsr-3358	81	10	al	al	PROPN
fsr-3358	81	11	.	.	PROPN
fsr-3358	82	1	(	(	PUNCT
fsr-3358	82	2	2017	2017	NUM
fsr-3358	82	3	)	)	PUNCT
fsr-3358	82	4	identified	identify	VERB
fsr-3358	82	5	three	three	NUM
fsr-3358	82	6	key	key	ADJ
fsr-3358	82	7	behaviours	behaviour	NOUN
fsr-3358	82	8	that	that	PRON
fsr-3358	82	9	define	define	VERB
fsr-3358	82	10	financial	financial	ADJ
fsr-3358	82	11	wellness	wellness	NOUN
fsr-3358	82	12	–	–	PUNCT
fsr-3358	82	13	spending	spend	VERB
fsr-3358	82	14	restraint	restraint	NOUN
fsr-3358	82	15	,	,	PUNCT
fsr-3358	82	16	active	active	ADJ
fsr-3358	82	17	saving	saving	NOUN
fsr-3358	82	18	and	and	CCONJ
fsr-3358	82	19	borrowing	borrow	VERB
fsr-3358	82	20	for	for	ADP
fsr-3358	82	21	daily	daily	ADJ
fsr-3358	82	22	expenses	expense	NOUN
fsr-3358	82	23	.	.	PUNCT
fsr-3358	83	1	in	in	ADP
fsr-3358	83	2	previous	previous	ADJ
fsr-3358	83	3	research	research	NOUN
fsr-3358	83	4	,	,	PUNCT
fsr-3358	83	5	the	the	DET
fsr-3358	83	6	authors	author	NOUN
fsr-3358	83	7	of	of	ADP
fsr-3358	83	8	this	this	DET
fsr-3358	83	9	paper	paper	NOUN
fsr-3358	83	10	(	(	PUNCT
fsr-3358	83	11	metzler	metzler	PROPN
fsr-3358	83	12	et	et	PROPN
fsr-3358	83	13	al	al	PROPN
fsr-3358	83	14	.	.	PROPN
fsr-3358	83	15	,	,	PUNCT
fsr-3358	83	16	2021	2021	NUM
fsr-3358	83	17	)	)	PUNCT
fsr-3358	83	18	concluded	conclude	VERB
fsr-3358	83	19	that	that	SCONJ
fsr-3358	83	20	savings	saving	NOUN
fsr-3358	83	21	,	,	PUNCT
fsr-3358	83	22	spending	spending	NOUN
fsr-3358	83	23	,	,	PUNCT
fsr-3358	83	24	and	and	CCONJ
fsr-3358	83	25	debt	debt	NOUN
fsr-3358	83	26	play	play	VERB
fsr-3358	83	27	uniquely	uniquely	ADV
fsr-3358	83	28	powerful	powerful	ADJ
fsr-3358	83	29	roles	role	NOUN
fsr-3358	83	30	in	in	ADP
fsr-3358	83	31	financial	financial	ADJ
fsr-3358	83	32	resilience	resilience	NOUN
fsr-3358	83	33	.	.	PUNCT
fsr-3358	84	1	the	the	DET
fsr-3358	84	2	authors	author	NOUN
fsr-3358	84	3	determined	determine	VERB
fsr-3358	84	4	that	that	SCONJ
fsr-3358	84	5	of	of	ADP
fsr-3358	84	6	the	the	DET
fsr-3358	84	7	200	200	NUM
fsr-3358	84	8	+	+	NUM
fsr-3358	84	9	variables	variable	NOUN
fsr-3358	84	10	used	use	VERB
fsr-3358	84	11	in	in	ADP
fsr-3358	84	12	the	the	DET
fsr-3358	84	13	clustering	clustering	NOUN
fsr-3358	84	14	,	,	PUNCT
fsr-3358	84	15	three	three	NUM
fsr-3358	84	16	of	of	ADP
fsr-3358	84	17	the	the	DET
fsr-3358	84	18	top	top	ADJ
fsr-3358	84	19	nine	nine	NUM
fsr-3358	84	20	were	be	AUX
fsr-3358	84	21	related	relate	VERB
fsr-3358	84	22	to	to	ADP
fsr-3358	84	23	savings	saving	NOUN
fsr-3358	84	24	.	.	PUNCT
fsr-3358	85	1	a	a	DET
fsr-3358	85	2	financially	financially	ADV
fsr-3358	85	3	resilient	resilient	ADJ
fsr-3358	85	4	individual	individual	NOUN
fsr-3358	85	5	can	can	AUX
fsr-3358	85	6	withstand	withstand	VERB
fsr-3358	85	7	financial	financial	ADJ
fsr-3358	85	8	setbacks	setback	NOUN
fsr-3358	85	9	such	such	ADJ
fsr-3358	85	10	as	as	ADP
fsr-3358	85	11	sudden	sudden	ADJ
fsr-3358	85	12	loss	loss	NOUN
fsr-3358	85	13	of	of	ADP
fsr-3358	85	14	income	income	NOUN
fsr-3358	85	15	or	or	CCONJ
fsr-3358	85	16	unanticipated	unanticipated	ADJ
fsr-3358	85	17	expenses	expense	NOUN
fsr-3358	85	18	.	.	PUNCT
fsr-3358	86	1	low	low	ADJ
fsr-3358	86	2	levels	level	NOUN
fsr-3358	86	3	of	of	ADP
fsr-3358	86	4	financial	financial	ADJ
fsr-3358	86	5	resilience	resilience	NOUN
fsr-3358	86	6	are	be	AUX
fsr-3358	86	7	a	a	DET
fsr-3358	86	8	strong	strong	ADJ
fsr-3358	86	9	predictor	predictor	NOUN
fsr-3358	86	10	of	of	ADP
fsr-3358	86	11	financial	financial	ADJ
fsr-3358	86	12	stress	stress	NOUN
fsr-3358	86	13	and	and	CCONJ
fsr-3358	86	14	can	can	AUX
fsr-3358	86	15	lead	lead	VERB
fsr-3358	86	16	to	to	ADP
fsr-3358	86	17	more	more	ADV
fsr-3358	86	18	serious	serious	ADJ
fsr-3358	86	19	health	health	NOUN
fsr-3358	86	20	problems6	problems6	NOUN
fsr-3358	86	21	.	.	PUNCT
fsr-3358	87	1	the	the	DET
fsr-3358	87	2	events	event	NOUN
fsr-3358	87	3	of	of	ADP
fsr-3358	87	4	2020	2020	NUM
fsr-3358	87	5	and	and	CCONJ
fsr-3358	87	6	the	the	DET
fsr-3358	87	7	economic	economic	ADJ
fsr-3358	87	8	impact	impact	NOUN
fsr-3358	87	9	of	of	ADP
fsr-3358	87	10	covid-19	covid-19	PROPN
fsr-3358	87	11	gave	give	VERB
fsr-3358	87	12	increased	increase	VERB
fsr-3358	87	13	urgency	urgency	NOUN
fsr-3358	87	14	to	to	ADP
fsr-3358	87	15	the	the	DET
fsr-3358	87	16	topic	topic	NOUN
fsr-3358	87	17	of	of	ADP
fsr-3358	87	18	financial	financial	ADJ
fsr-3358	87	19	resilience	resilience	NOUN
fsr-3358	87	20	.	.	PUNCT
fsr-3358	88	1	the	the	DET
fsr-3358	88	2	financial	financial	ADJ
fsr-3358	88	3	cost	cost	NOUN
fsr-3358	88	4	on	on	ADP
fsr-3358	88	5	all	all	DET
fsr-3358	88	6	levels	level	NOUN
fsr-3358	88	7	of	of	ADP
fsr-3358	88	8	government	government	NOUN
fsr-3358	88	9	for	for	ADP
fsr-3358	88	10	financial	financial	ADJ
fsr-3358	88	11	countermeasures	countermeasure	NOUN
fsr-3358	88	12	to	to	ADP
fsr-3358	88	13	covid-19	covid-19	PROPN
fsr-3358	88	14	are	be	AUX
fsr-3358	88	15	becoming	become	VERB
fsr-3358	88	16	apparent	apparent	ADJ
fsr-3358	88	17	and	and	CCONJ
fsr-3358	88	18	a	a	DET
fsr-3358	88	19	stronger	strong	ADJ
fsr-3358	88	20	understanding	understanding	NOUN
fsr-3358	88	21	of	of	ADP
fsr-3358	88	22	the	the	DET
fsr-3358	88	23	prevalence	prevalence	NOUN
fsr-3358	88	24	and	and	CCONJ
fsr-3358	88	25	type	type	NOUN
fsr-3358	88	26	of	of	ADP
fsr-3358	88	27	financial	financial	ADJ
fsr-3358	88	28	fragility	fragility	NOUN
fsr-3358	88	29	in	in	ADP
fsr-3358	88	30	canadian	canadian	ADJ
fsr-3358	88	31	households	household	NOUN
fsr-3358	88	32	will	will	AUX
fsr-3358	88	33	allow	allow	VERB
fsr-3358	88	34	more	more	ADJ
fsr-3358	88	35	targeted	targeted	ADJ
fsr-3358	88	36	policy	policy	NOUN
fsr-3358	88	37	interventions	intervention	NOUN
fsr-3358	88	38	.	.	PUNCT
fsr-3358	89	1	there	there	PRON
fsr-3358	89	2	is	be	VERB
fsr-3358	89	3	clear	clear	ADJ
fsr-3358	89	4	value	value	NOUN
fsr-3358	89	5	in	in	ADP
fsr-3358	89	6	helping	help	VERB
fsr-3358	89	7	financially	financially	ADV
fsr-3358	89	8	stressed	stress	VERB
fsr-3358	89	9	individuals	individual	NOUN
fsr-3358	89	10	understand	understand	VERB
fsr-3358	89	11	the	the	DET
fsr-3358	89	12	root	root	NOUN
fsr-3358	89	13	of	of	ADP
fsr-3358	89	14	their	their	PRON
fsr-3358	89	15	financial	financial	ADJ
fsr-3358	89	16	challenges	challenge	NOUN
fsr-3358	89	17	and	and	CCONJ
fsr-3358	89	18	then	then	ADV
fsr-3358	89	19	providing	provide	VERB
fsr-3358	89	20	them	they	PRON
fsr-3358	89	21	with	with	ADP
fsr-3358	89	22	advice	advice	NOUN
fsr-3358	89	23	(	(	PUNCT
fsr-3358	89	24	tailored	tailor	VERB
fsr-3358	89	25	to	to	ADP
fsr-3358	89	26	their	their	PRON
fsr-3358	89	27	specific	specific	ADJ
fsr-3358	89	28	circumstances	circumstance	NOUN
fsr-3358	89	29	)	)	PUNCT
fsr-3358	89	30	on	on	ADP
fsr-3358	89	31	the	the	DET
fsr-3358	89	32	steps	step	NOUN
fsr-3358	89	33	they	they	PRON
fsr-3358	89	34	may	may	AUX
fsr-3358	89	35	be	be	AUX
fsr-3358	89	36	able	able	ADJ
fsr-3358	89	37	to	to	PART
fsr-3358	89	38	take	take	VERB
fsr-3358	89	39	to	to	PART
fsr-3358	89	40	change	change	VERB
fsr-3358	89	41	their	their	PRON
fsr-3358	89	42	circumstances	circumstance	NOUN
fsr-3358	89	43	and	and	CCONJ
fsr-3358	89	44	alleviate	alleviate	VERB
fsr-3358	89	45	their	their	PRON
fsr-3358	89	46	financial	financial	ADJ
fsr-3358	89	47	stress	stress	NOUN
fsr-3358	89	48	.	.	PUNCT
fsr-3358	90	1	savings	saving	NOUN
fsr-3358	90	2	interventions	intervention	NOUN
fsr-3358	90	3	numerous	numerous	ADJ
fsr-3358	90	4	incentives	incentive	NOUN
fsr-3358	90	5	have	have	AUX
fsr-3358	90	6	been	be	AUX
fsr-3358	90	7	explored	explore	VERB
fsr-3358	90	8	by	by	ADP
fsr-3358	90	9	governments	government	NOUN
fsr-3358	90	10	and	and	CCONJ
fsr-3358	90	11	industry	industry	NOUN
fsr-3358	90	12	to	to	PART
fsr-3358	90	13	enhance	enhance	VERB
fsr-3358	90	14	savings	saving	NOUN
fsr-3358	90	15	.	.	PUNCT
fsr-3358	91	1	they	they	PRON
fsr-3358	91	2	include	include	VERB
fsr-3358	91	3	policy	policy	NOUN
fsr-3358	91	4	interventions	intervention	NOUN
fsr-3358	91	5	.	.	PUNCT
fsr-3358	92	1	policy	policy	NOUN
fsr-3358	92	2	makers	maker	NOUN
fsr-3358	92	3	and	and	CCONJ
fsr-3358	92	4	government	government	NOUN
fsr-3358	92	5	agencies	agency	NOUN
fsr-3358	92	6	have	have	AUX
fsr-3358	92	7	all	all	ADV
fsr-3358	92	8	explored	explore	VERB
fsr-3358	92	9	household	household	NOUN
fsr-3358	92	10	savings	saving	NOUN
fsr-3358	92	11	rates	rate	NOUN
fsr-3358	92	12	as	as	ADP
fsr-3358	92	13	a	a	DET
fsr-3358	92	14	driver	driver	NOUN
fsr-3358	92	15	of	of	ADP
fsr-3358	92	16	‘	'	PUNCT
fsr-3358	92	17	healthy	healthy	ADJ
fsr-3358	92	18	’	'	PUNCT
fsr-3358	92	19	economies	economy	NOUN
fsr-3358	92	20	and	and	CCONJ
fsr-3358	92	21	‘	'	PUNCT
fsr-3358	92	22	healthy	healthy	ADJ
fsr-3358	92	23	’	'	PUNCT
fsr-3358	92	24	households	household	NOUN
fsr-3358	92	25	(	(	PUNCT
fsr-3358	92	26	fcac	fcac	ADJ
fsr-3358	92	27	,	,	PUNCT
fsr-3358	92	28	2021	2021	NUM
fsr-3358	92	29	;	;	PUNCT
fsr-3358	92	30	gale	gale	NOUN
fsr-3358	92	31	et	et	PROPN
fsr-3358	92	32	al	al	PROPN
fsr-3358	92	33	.	.	PROPN
fsr-3358	92	34	,	,	PUNCT
fsr-3358	92	35	2005	2005	NUM
fsr-3358	92	36	,	,	PUNCT
fsr-3358	92	37	justera	justera	PROPN
fsr-3358	92	38	et	et	PROPN
fsr-3358	92	39	al	al	PROPN
fsr-3358	92	40	.	.	PROPN
fsr-3358	92	41	,	,	PUNCT
fsr-3358	92	42	1999	1999	NUM
fsr-3358	92	43	,	,	PUNCT
fsr-3358	92	44	baldwin	baldwin	PROPN
fsr-3358	92	45	,	,	PUNCT
fsr-3358	92	46	2022	2022	NUM
fsr-3358	92	47	)	)	PUNCT
fsr-3358	92	48	.	.	PUNCT
fsr-3358	93	1	governments	government	NOUN
fsr-3358	93	2	around	around	ADP
fsr-3358	93	3	the	the	DET
fsr-3358	93	4	world	world	NOUN
fsr-3358	93	5	regularly	regularly	ADV
fsr-3358	93	6	incentivize	incentivize	VERB
fsr-3358	93	7	households	household	NOUN
fsr-3358	93	8	to	to	PART
fsr-3358	93	9	‘	'	PUNCT
fsr-3358	93	10	save	save	VERB
fsr-3358	93	11	more	more	ADJ
fsr-3358	93	12	’	'	PUNCT
fsr-3358	93	13	–	–	PUNCT
fsr-3358	93	14	often	often	ADV
fsr-3358	93	15	with	with	ADP
fsr-3358	93	16	a	a	DET
fsr-3358	93	17	focus	focus	NOUN
fsr-3358	93	18	on	on	ADP
fsr-3358	93	19	pensions	pension	NOUN
fsr-3358	93	20	and	and	CCONJ
fsr-3358	93	21	retirement	retirement	NOUN
fsr-3358	93	22	.	.	PUNCT
fsr-3358	94	1	in	in	ADP
fsr-3358	94	2	canada	canada	PROPN
fsr-3358	94	3	,	,	PUNCT
fsr-3358	94	4	retirement	retirement	NOUN
fsr-3358	94	5	savings	saving	NOUN
fsr-3358	94	6	plans	plan	NOUN
fsr-3358	94	7	,	,	PUNCT
fsr-3358	94	8	tax	tax	NOUN
fsr-3358	94	9	free	free	ADJ
fsr-3358	94	10	savings	saving	NOUN
fsr-3358	94	11	accounts	account	NOUN
fsr-3358	94	12	and	and	CCONJ
fsr-3358	94	13	registered	register	VERB
fsr-3358	94	14	education	education	NOUN
fsr-3358	94	15	savings	saving	NOUN
fsr-3358	94	16	plans	plan	NOUN
fsr-3358	94	17	are	be	AUX
fsr-3358	94	18	popular	popular	ADJ
fsr-3358	94	19	examples	example	NOUN
fsr-3358	94	20	of	of	ADP
fsr-3358	94	21	government	government	NOUN
fsr-3358	94	22	sponsored	sponsor	VERB
fsr-3358	94	23	programs	program	NOUN
fsr-3358	94	24	with	with	ADP
fsr-3358	94	25	assets	asset	NOUN
fsr-3358	94	26	under	under	ADP
fsr-3358	94	27	administration	administration	NOUN
fsr-3358	94	28	measured	measure	VERB
fsr-3358	94	29	in	in	ADP
fsr-3358	94	30	the	the	DET
fsr-3358	94	31	trillions	trillion	NOUN
fsr-3358	94	32	of	of	ADP
fsr-3358	94	33	dollars7	dollars7	NOUN
fsr-3358	94	34	.	.	PUNCT
fsr-3358	95	1	policy	policy	NOUN
fsr-3358	95	2	makers	maker	NOUN
fsr-3358	95	3	will	will	AUX
fsr-3358	95	4	also	also	ADV
fsr-3358	95	5	point	point	VERB
fsr-3358	95	6	to	to	ADP
fsr-3358	95	7	savings	saving	NOUN
fsr-3358	95	8	rates	rate	NOUN
fsr-3358	95	9	when	when	SCONJ
fsr-3358	95	10	exploring	explore	VERB
fsr-3358	95	11	topics	topic	NOUN
fsr-3358	95	12	such	such	ADJ
fsr-3358	95	13	as	as	ADP
fsr-3358	95	14	poverty	poverty	NOUN
fsr-3358	95	15	and	and	CCONJ
fsr-3358	95	16	interventions	intervention	NOUN
fsr-3358	95	17	for	for	ADP
fsr-3358	95	18	disadvantaged	disadvantaged	ADJ
fsr-3358	95	19	or	or	CCONJ
fsr-3358	95	20	vulnerable	vulnerable	ADJ
fsr-3358	95	21	groups	group	NOUN
fsr-3358	95	22	(	(	PUNCT
fsr-3358	95	23	cruz	cruz	PROPN
fsr-3358	95	24	et	et	PROPN
fsr-3358	95	25	al	al	PROPN
fsr-3358	95	26	.	.	PROPN
fsr-3358	95	27	,	,	PUNCT
fsr-3358	95	28	2016	2016	NUM
fsr-3358	95	29	,	,	PUNCT
fsr-3358	95	30	hall	hall	NOUN
fsr-3358	95	31	,	,	PUNCT
fsr-3358	95	32	2021	2021	NUM
fsr-3358	95	33	)	)	PUNCT
fsr-3358	95	34	.	.	PUNCT
fsr-3358	96	1	demographic	demographic	ADJ
fsr-3358	96	2	drivers	driver	NOUN
fsr-3358	96	3	in	in	ADP
fsr-3358	96	4	our	our	PRON
fsr-3358	96	5	analysis	analysis	NOUN
fsr-3358	96	6	we	we	PRON
fsr-3358	96	7	include	include	VERB
fsr-3358	96	8	specific	specific	ADJ
fsr-3358	96	9	demographic	demographic	ADJ
fsr-3358	96	10	features	feature	NOUN
fsr-3358	96	11	(	(	PUNCT
fsr-3358	96	12	see	see	VERB
fsr-3358	96	13	table	table	NOUN
fsr-3358	96	14	2	2	NUM
fsr-3358	96	15	below	below	ADV
fsr-3358	96	16	)	)	PUNCT
fsr-3358	96	17	in	in	ADP
fsr-3358	96	18	order	order	NOUN
fsr-3358	96	19	to	to	PART
fsr-3358	96	20	observe	observe	VERB
fsr-3358	96	21	wealth	wealth	NOUN
fsr-3358	96	22	accumulation	accumulation	NOUN
fsr-3358	96	23	vis	vis	ADP
fsr-3358	96	24	a	a	PRON
fsr-3358	96	25	vis	vis	X
fsr-3358	96	26	potential	potential	ADJ
fsr-3358	96	27	demographic	demographic	ADJ
fsr-3358	96	28	drivers	driver	NOUN
fsr-3358	96	29	.	.	PUNCT
fsr-3358	97	1	researchers	researcher	NOUN
fsr-3358	97	2	have	have	AUX
fsr-3358	97	3	linked	link	VERB
fsr-3358	97	4	savings	saving	NOUN
fsr-3358	97	5	rates	rate	NOUN
fsr-3358	97	6	and	and	CCONJ
fsr-3358	97	7	resiliency	resiliency	NOUN
fsr-3358	97	8	to	to	ADP
fsr-3358	97	9	several	several	ADJ
fsr-3358	97	10	demographic	demographic	ADJ
fsr-3358	97	11	factors	factor	NOUN
fsr-3358	97	12	including	include	VERB
fsr-3358	97	13	age	age	NOUN
fsr-3358	97	14	(	(	PUNCT
fsr-3358	97	15	maynard	maynard	NOUN
fsr-3358	97	16	et	et	PROPN
fsr-3358	97	17	al	al	PROPN
fsr-3358	97	18	.	.	PROPN
fsr-3358	97	19	,	,	PUNCT
fsr-3358	97	20	2008	2008	NUM
fsr-3358	97	21	,	,	PUNCT
fsr-3358	97	22	baldwin	baldwin	PROPN
fsr-3358	97	23	,	,	PUNCT
fsr-3358	97	24	2022	2022	NUM
fsr-3358	97	25	)	)	PUNCT
fsr-3358	97	26	,	,	PUNCT
fsr-3358	97	27	income	income	NOUN
fsr-3358	97	28	(	(	PUNCT
fsr-3358	97	29	dynan	dynan	NOUN
fsr-3358	97	30	et	et	PROPN
fsr-3358	97	31	al	al	PROPN
fsr-3358	97	32	.	.	PROPN
fsr-3358	97	33	,	,	PUNCT
fsr-3358	97	34	2004	2004	NUM
fsr-3358	97	35	,	,	PUNCT
fsr-3358	97	36	turner	turner	PROPN
fsr-3358	97	37	&	&	CCONJ
fsr-3358	97	38	luea	luea	PROPN
fsr-3358	97	39	,	,	PUNCT
fsr-3358	97	40	2009	2009	NUM
fsr-3358	97	41	,	,	PUNCT
fsr-3358	97	42	macgee	macgee	NOUN
fsr-3358	97	43	2022	2022	NUM
fsr-3358	97	44	,	,	PUNCT
fsr-3358	97	45	cruz	cruz	NOUN
fsr-3358	97	46	2016	2016	NUM
fsr-3358	97	47	)	)	PUNCT
fsr-3358	97	48	,	,	PUNCT
fsr-3358	97	49	household	household	NOUN
fsr-3358	97	50	composition	composition	NOUN
fsr-3358	97	51	(	(	PUNCT
fsr-3358	97	52	cobb	cobb	PROPN
fsr-3358	97	53	-	-	PUNCT
fsr-3358	97	54	clark	clark	PROPN
fsr-3358	97	55	et	et	PROPN
fsr-3358	97	56	al	al	PROPN
fsr-3358	97	57	.	.	PROPN
fsr-3358	97	58	,	,	PUNCT
fsr-3358	97	59	2016	2016	NUM
fsr-3358	97	60	)	)	PUNCT
fsr-3358	97	61	,	,	PUNCT
fsr-3358	97	62	and	and	CCONJ
fsr-3358	97	63	gender	gender	NOUN
fsr-3358	97	64	(	(	PUNCT
fsr-3358	97	65	fisher	fisher	NOUN
fsr-3358	97	66	,	,	PUNCT
fsr-3358	97	67	2010	2010	NUM
fsr-3358	97	68	)	)	PUNCT
fsr-3358	97	69	.	.	PUNCT
fsr-3358	98	1	these	these	DET
fsr-3358	98	2	factors	factor	NOUN
fsr-3358	98	3	are	be	AUX
fsr-3358	98	4	often	often	ADV
fsr-3358	98	5	combined	combine	VERB
fsr-3358	98	6	under	under	ADP
fsr-3358	98	7	‘	'	PUNCT
fsr-3358	98	8	life	life	NOUN
fsr-3358	98	9	cycle	cycle	NOUN
fsr-3358	98	10	model	model	NOUN
fsr-3358	98	11	’	'	PUNCT
fsr-3358	98	12	(	(	PUNCT
fsr-3358	98	13	feiveson	feiveson	NOUN
fsr-3358	98	14	et	et	NOUN
fsr-3358	98	15	al	al	PROPN
fsr-3358	98	16	.	.	PROPN
fsr-3358	98	17	,	,	PUNCT
fsr-3358	98	18	2019	2019	NUM
fsr-3358	98	19	)	)	PUNCT
fsr-3358	98	20	.	.	PUNCT
fsr-3358	99	1	however	however	ADV
fsr-3358	99	2	,	,	PUNCT
fsr-3358	99	3	metzler	metzler	PROPN
fsr-3358	99	4	et	et	PROPN
fsr-3358	99	5	al	al	PROPN
fsr-3358	99	6	.	.	PROPN
fsr-3358	99	7	(	(	PUNCT
fsr-3358	99	8	2021	2021	NUM
fsr-3358	99	9	)	)	PUNCT
fsr-3358	99	10	noted	note	VERB
fsr-3358	99	11	that	that	SCONJ
fsr-3358	99	12	while	while	SCONJ
fsr-3358	99	13	these	these	DET
fsr-3358	99	14	demographic	demographic	ADJ
fsr-3358	99	15	traits	trait	NOUN
fsr-3358	99	16	can	can	AUX
fsr-3358	99	17	be	be	AUX
fsr-3358	99	18	linked	link	VERB
fsr-3358	99	19	to	to	ADP
fsr-3358	99	20	financial	financial	ADJ
fsr-3358	99	21	resilience	resilience	NOUN
fsr-3358	99	22	,	,	PUNCT
fsr-3358	99	23	the	the	DET
fsr-3358	99	24	data	data	NOUN
fsr-3358	99	25	does	do	AUX
fsr-3358	99	26	not	not	PART
fsr-3358	99	27	support	support	VERB
fsr-3358	99	28	a	a	DET
fsr-3358	99	29	causal	causal	ADJ
fsr-3358	99	30	relationship	relationship	NOUN
fsr-3358	99	31	.	.	PUNCT
fsr-3358	100	1	6	6	NUM
fsr-3358	100	2	manulife	manulife	NOUN
fsr-3358	100	3	,	,	PUNCT
fsr-3358	100	4	2016	2016	NUM
fsr-3358	100	5	financial	financial	PROPN
fsr-3358	100	6	wellness	wellness	NOUN
fsr-3358	100	7	index	index	NOUN
fsr-3358	100	8	7	7	NUM
fsr-3358	100	9	statistics	statistics	PROPN
fsr-3358	100	10	canada	canada	PROPN
fsr-3358	100	11	,	,	PUNCT
fsr-3358	100	12	www150.statcan.gc.ca/	www150.statcan.gc.ca/	PROPN
fsr-3358	100	13	,	,	PUNCT
fsr-3358	100	14	table	table	NOUN
fsr-3358	100	15	1110	1110	NUM
fsr-3358	100	16	-	-	PUNCT
fsr-3358	100	17	0016	0016	NUM
fsr-3358	100	18	-	-	PUNCT
fsr-3358	100	19	01	01	NUM
fsr-3358	100	20	,	,	PUNCT
fsr-3358	100	21	released	release	VERB
fsr-3358	100	22	2020	2020	NUM
fsr-3358	100	23	-	-	SYM
fsr-3358	100	24	12	12	NUM
fsr-3358	100	25	-	-	SYM
fsr-3358	100	26	22	22	NUM
fsr-3358	100	27	,	,	PUNCT
fsr-3358	100	28	sourced	source	VERB
fsr-3358	100	29	june	june	PROPN
fsr-3358	100	30	2023	2023	NUM
fsr-3358	100	31	grace	grace	NOUN
fsr-3358	100	32	et	et	PROPN
fsr-3358	100	33	al	al	PROPN
fsr-3358	100	34	.	.	PROPN
fsr-3358	100	35	5	5	NUM
fsr-3358	100	36	table	table	NOUN
fsr-3358	100	37	2	2	NUM
fsr-3358	100	38	.	.	X
fsr-3358	100	39	select	select	ADJ
fsr-3358	100	40	features	feature	NOUN
fsr-3358	100	41	used	use	VERB
fsr-3358	100	42	in	in	ADP
fsr-3358	100	43	the	the	DET
fsr-3358	100	44	clustering	cluster	VERB
fsr-3358	100	45	algorithms	algorithms	NOUN
fsr-3358	100	46	description	description	NOUN
fsr-3358	100	47	features	feature	VERB
fsr-3358	100	48	(	(	PUNCT
fsr-3358	100	49	examples	example	NOUN
fsr-3358	100	50	)	)	PUNCT
fsr-3358	100	51	demographic	demographic	ADJ
fsr-3358	100	52	features	feature	NOUN
fsr-3358	100	53	general	general	ADJ
fsr-3358	100	54	demographic	demographic	ADJ
fsr-3358	100	55	information	information	NOUN
fsr-3358	100	56	age	age	NOUN
fsr-3358	100	57	,	,	PUNCT
fsr-3358	100	58	income	income	NOUN
fsr-3358	100	59	,	,	PUNCT
fsr-3358	100	60	gender	gender	NOUN
fsr-3358	100	61	,	,	PUNCT
fsr-3358	100	62	marital	marital	ADJ
fsr-3358	100	63	status	status	NOUN
fsr-3358	100	64	,	,	PUNCT
fsr-3358	100	65	residency	residency	NOUN
fsr-3358	100	66	know	know	VERB
fsr-3358	100	67	your	your	PRON
fsr-3358	100	68	client	client	NOUN
fsr-3358	100	69	information	information	NOUN
fsr-3358	100	70	as	as	SCONJ
fsr-3358	100	71	prescribed	prescribe	VERB
fsr-3358	100	72	by	by	ADP
fsr-3358	100	73	regulations	regulation	NOUN
fsr-3358	100	74	investment	investment	NOUN
fsr-3358	100	75	knowledge	knowledge	NOUN
fsr-3358	100	76	,	,	PUNCT
fsr-3358	100	77	net	net	ADJ
fsr-3358	100	78	worth	worth	NOUN
fsr-3358	100	79	,	,	PUNCT
fsr-3358	100	80	risk	risk	NOUN
fsr-3358	100	81	tolerance	tolerance	NOUN
fsr-3358	100	82	,	,	PUNCT
fsr-3358	100	83	investment	investment	NOUN
fsr-3358	100	84	horizon	horizon	NOUN
fsr-3358	100	85	behavioural	behavioural	ADJ
fsr-3358	100	86	features	feature	NOUN
fsr-3358	100	87	derived	derive	VERB
fsr-3358	100	88	features	feature	NOUN
fsr-3358	100	89	that	that	PRON
fsr-3358	100	90	can	can	AUX
fsr-3358	100	91	be	be	AUX
fsr-3358	100	92	used	use	VERB
fsr-3358	100	93	as	as	ADP
fsr-3358	100	94	proxies	proxy	NOUN
fsr-3358	100	95	for	for	ADP
fsr-3358	100	96	investor	investor	NOUN
fsr-3358	100	97	behaviour	behaviour	NOUN
fsr-3358	100	98	risk	risk	NOUN
fsr-3358	100	99	tolerance	tolerance	NOUN
fsr-3358	100	100	,	,	PUNCT
fsr-3358	100	101	automatic	automatic	ADJ
fsr-3358	100	102	versus	versus	ADP
fsr-3358	100	103	jit	jit	PROPN
fsr-3358	100	104	trades	trade	NOUN
fsr-3358	100	105	(	(	PUNCT
fsr-3358	100	106	habit	habit	NOUN
fsr-3358	100	107	)	)	PUNCT
fsr-3358	100	108	,	,	PUNCT
fsr-3358	100	109	portfolio	portfolio	NOUN
fsr-3358	100	110	churn	churn	NOUN
fsr-3358	100	111	,	,	PUNCT
fsr-3358	100	112	trading	trading	NOUN
fsr-3358	100	113	frequency	frequency	NOUN
fsr-3358	100	114	financial	financial	ADJ
fsr-3358	100	115	and	and	CCONJ
fsr-3358	100	116	transactional	transactional	ADJ
fsr-3358	100	117	features	feature	NOUN
fsr-3358	100	118	account	account	NOUN
fsr-3358	100	119	detail	detail	NOUN
fsr-3358	100	120	:	:	PUNCT
fsr-3358	100	121	the	the	DET
fsr-3358	100	122	account	account	NOUN
fsr-3358	100	123	holding	hold	VERB
fsr-3358	100	124	a	a	DET
fsr-3358	100	125	portfolio	portfolio	NOUN
fsr-3358	100	126	on	on	ADP
fsr-3358	100	127	investments	investment	NOUN
fsr-3358	100	128	–	–	PUNCT
fsr-3358	100	129	for	for	ADP
fsr-3358	100	130	example	example	NOUN
fsr-3358	100	131	rsps	rsp	NOUN
fsr-3358	100	132	or	or	CCONJ
fsr-3358	100	133	tfsa	tfsa	VERB
fsr-3358	100	134	account	account	NOUN
fsr-3358	100	135	type	type	NOUN
fsr-3358	100	136	including	include	VERB
fsr-3358	100	137	rsp	rsp	PROPN
fsr-3358	100	138	,	,	PUNCT
fsr-3358	100	139	tfsa	tfsa	NOUN
fsr-3358	100	140	,	,	PUNCT
fsr-3358	100	141	resp	resp	NOUN
fsr-3358	100	142	etc	etc	X
fsr-3358	100	143	.	.	PUNCT
fsr-3358	101	1	portfolio	portfolio	NOUN
fsr-3358	101	2	detail	detail	NOUN
fsr-3358	101	3	:	:	PUNCT
fsr-3358	101	4	a	a	DET
fsr-3358	101	5	basket	basket	NOUN
fsr-3358	101	6	of	of	ADP
fsr-3358	101	7	securities	security	NOUN
fsr-3358	101	8	or	or	CCONJ
fsr-3358	101	9	holdings	holding	NOUN
fsr-3358	101	10	security	security	NOUN
fsr-3358	101	11	i	i	PROPN
fsr-3358	101	12	d	d	PROPN
fsr-3358	101	13	,	,	PUNCT
fsr-3358	101	14	units	unit	NOUN
fsr-3358	101	15	,	,	PUNCT
fsr-3358	101	16	book	book	NOUN
fsr-3358	101	17	value	value	NOUN
fsr-3358	101	18	,	,	PUNCT
fsr-3358	101	19	market	market	NOUN
fsr-3358	101	20	value	value	NOUN
fsr-3358	101	21	holdings	holding	NOUN
fsr-3358	101	22	:	:	PUNCT
fsr-3358	101	23	an	an	DET
fsr-3358	101	24	individual	individual	ADJ
fsr-3358	101	25	security	security	NOUN
fsr-3358	101	26	security	security	NOUN
fsr-3358	101	27	i	i	PROPN
fsr-3358	101	28	d	d	PROPN
fsr-3358	101	29	,	,	PUNCT
fsr-3358	101	30	risk	risk	NOUN
fsr-3358	101	31	type	type	NOUN
fsr-3358	101	32	,	,	PUNCT
fsr-3358	101	33	trading	trading	NOUN
fsr-3358	101	34	exchange	exchange	NOUN
fsr-3358	101	35	transactions	transaction	NOUN
fsr-3358	101	36	:	:	PUNCT
fsr-3358	101	37	a	a	DET
fsr-3358	101	38	transaction	transaction	NOUN
fsr-3358	101	39	that	that	PRON
fsr-3358	101	40	changes	change	VERB
fsr-3358	101	41	the	the	DET
fsr-3358	101	42	book	book	NOUN
fsr-3358	101	43	or	or	CCONJ
fsr-3358	101	44	market	market	NOUN
fsr-3358	101	45	value	value	NOUN
fsr-3358	101	46	of	of	ADP
fsr-3358	101	47	the	the	DET
fsr-3358	101	48	portfolio	portfolio	NOUN
fsr-3358	101	49	type	type	NOUN
fsr-3358	101	50	of	of	ADP
fsr-3358	101	51	transaction	transaction	NOUN
fsr-3358	101	52	,	,	PUNCT
fsr-3358	101	53	date	date	NOUN
fsr-3358	101	54	,	,	PUNCT
fsr-3358	101	55	units	unit	NOUN
fsr-3358	101	56	,	,	PUNCT
fsr-3358	101	57	security	security	NOUN
fsr-3358	101	58	,	,	PUNCT
fsr-3358	101	59	gross	gross	ADJ
fsr-3358	101	60	,	,	PUNCT
fsr-3358	101	61	net	net	NOUN
fsr-3358	101	62	,	,	PUNCT
fsr-3358	101	63	currency	currency	NOUN
fsr-3358	101	64	any	any	DET
fsr-3358	101	65	fees	fee	NOUN
fsr-3358	101	66	or	or	CCONJ
fsr-3358	101	67	commissions	commission	NOUN
fsr-3358	101	68	derived	derive	VERB
fsr-3358	101	69	from	from	ADP
fsr-3358	101	70	a	a	DET
fsr-3358	101	71	transaction	transaction	NOUN
fsr-3358	101	72	type	type	NOUN
fsr-3358	101	73	of	of	ADP
fsr-3358	101	74	fee	fee	NOUN
fsr-3358	101	75	,	,	PUNCT
fsr-3358	101	76	date	date	NOUN
fsr-3358	101	77	,	,	PUNCT
fsr-3358	101	78	units	unit	NOUN
fsr-3358	101	79	,	,	PUNCT
fsr-3358	101	80	dollar	dollar	NOUN
fsr-3358	101	81	amount	amount	NOUN
fsr-3358	101	82	,	,	PUNCT
fsr-3358	101	83	currency	currency	NOUN
fsr-3358	101	84	bookkeeping	bookkeeping	NOUN
fsr-3358	101	85	:	:	PUNCT
fsr-3358	101	86	the	the	DET
fsr-3358	101	87	dealer	dealer	NOUN
fsr-3358	101	88	’s	’s	PART
fsr-3358	101	89	accounting	accounting	NOUN
fsr-3358	101	90	or	or	CCONJ
fsr-3358	101	91	administrative	administrative	ADJ
fsr-3358	101	92	view	view	NOUN
fsr-3358	101	93	of	of	ADP
fsr-3358	101	94	the	the	DET
fsr-3358	101	95	elements	element	NOUN
fsr-3358	101	96	above	above	ADP
fsr-3358	101	97	engineered	engineer	VERB
fsr-3358	101	98	features	feature	NOUN
fsr-3358	101	99	/	/	SYM
fsr-3358	101	100	ratios	ratio	NOUN
fsr-3358	101	101	weekly	weekly	ADJ
fsr-3358	101	102	market	market	NOUN
fsr-3358	101	103	values	value	NOUN
fsr-3358	101	104	,	,	PUNCT
fsr-3358	101	105	min	min	NOUN
fsr-3358	101	106	/	/	SYM
fsr-3358	101	107	max	max	PROPN
fsr-3358	101	108	scaling	scaling	NOUN
fsr-3358	101	109	,	,	PUNCT
fsr-3358	101	110	trading	trade	VERB
fsr-3358	101	111	sequences	sequence	NOUN
fsr-3358	101	112	,	,	PUNCT
fsr-3358	101	113	contributions	contribution	NOUN
fsr-3358	101	114	/	/	SYM
fsr-3358	101	115	withdrawals	withdrawal	NOUN
fsr-3358	101	116	as	as	ADP
fsr-3358	101	117	%	%	NOUN
fsr-3358	101	118	opening	opening	NOUN
fsr-3358	101	119	balance	balance	NOUN
fsr-3358	101	120	,	,	PUNCT
fsr-3358	101	121	contributions	contribution	NOUN
fsr-3358	101	122	/	/	SYM
fsr-3358	101	123	withdrawals	withdrawal	NOUN
fsr-3358	101	124	as	as	ADP
fsr-3358	101	125	%	%	NOUN
fsr-3358	101	126	on	on	ADP
fsr-3358	101	127	income	income	NOUN
fsr-3358	101	128	,	,	PUNCT
fsr-3358	101	129	trades	trade	NOUN
fsr-3358	101	130	per	per	ADP
fsr-3358	101	131	account	account	NOUN
fsr-3358	101	132	,	,	PUNCT
fsr-3358	101	133	trades	trade	NOUN
fsr-3358	101	134	per	per	ADP
fsr-3358	101	135	month	month	NOUN
fsr-3358	101	136	,	,	PUNCT
fsr-3358	101	137	internal	internal	ADJ
fsr-3358	101	138	rate	rate	NOUN
fsr-3358	101	139	of	of	ADP
fsr-3358	101	140	return	return	NOUN
fsr-3358	101	141	behavioural	behavioural	ADJ
fsr-3358	101	142	interventions	intervention	NOUN
fsr-3358	101	143	in	in	ADP
fsr-3358	101	144	our	our	PRON
fsr-3358	101	145	analysis	analysis	NOUN
fsr-3358	101	146	we	we	PRON
fsr-3358	101	147	include	include	VERB
fsr-3358	101	148	behavioural	behavioural	ADJ
fsr-3358	101	149	features	feature	NOUN
fsr-3358	101	150	(	(	PUNCT
fsr-3358	101	151	table	table	NOUN
fsr-3358	101	152	2	2	NUM
fsr-3358	101	153	)	)	PUNCT
fsr-3358	101	154	in	in	ADP
fsr-3358	101	155	order	order	NOUN
fsr-3358	101	156	to	to	PART
fsr-3358	101	157	observe	observe	VERB
fsr-3358	101	158	wealth	wealth	NOUN
fsr-3358	101	159	accumulation	accumulation	NOUN
fsr-3358	101	160	vis	vis	ADP
fsr-3358	101	161	a	a	PRON
fsr-3358	101	162	vis	vis	X
fsr-3358	101	163	potential	potential	ADJ
fsr-3358	101	164	behavioural	behavioural	ADJ
fsr-3358	101	165	drivers	driver	NOUN
fsr-3358	101	166	.	.	PUNCT
fsr-3358	102	1	kahneman	kahneman	PROPN
fsr-3358	102	2	(	(	PUNCT
fsr-3358	102	3	2012	2012	NUM
fsr-3358	102	4	)	)	PUNCT
fsr-3358	102	5	and	and	CCONJ
fsr-3358	102	6	thaler	thaler	VERB
fsr-3358	102	7	et	et	PROPN
fsr-3358	102	8	al	al	PROPN
fsr-3358	102	9	.	.	PROPN
fsr-3358	102	10	(	(	PUNCT
fsr-3358	102	11	2004	2004	NUM
fsr-3358	102	12	)	)	PUNCT
fsr-3358	102	13	are	be	AUX
fsr-3358	102	14	widely	widely	ADV
fsr-3358	102	15	known	know	VERB
fsr-3358	102	16	for	for	ADP
fsr-3358	102	17	theorizing	theorize	VERB
fsr-3358	102	18	that	that	SCONJ
fsr-3358	102	19	behavioural	behavioural	ADJ
fsr-3358	102	20	attributes	attribute	NOUN
fsr-3358	102	21	drive	drive	VERB
fsr-3358	102	22	savings	saving	NOUN
fsr-3358	102	23	success	success	NOUN
fsr-3358	102	24	and	and	CCONJ
fsr-3358	102	25	that	that	SCONJ
fsr-3358	102	26	the	the	DET
fsr-3358	102	27	concept	concept	NOUN
fsr-3358	102	28	of	of	ADP
fsr-3358	102	29	‘	'	PUNCT
fsr-3358	102	30	nudging	nudging	NOUN
fsr-3358	102	31	’	'	PUNCT
fsr-3358	102	32	can	can	AUX
fsr-3358	102	33	be	be	AUX
fsr-3358	102	34	used	use	VERB
fsr-3358	102	35	to	to	PART
fsr-3358	102	36	influence	influence	VERB
fsr-3358	102	37	savings	saving	NOUN
fsr-3358	102	38	decisions	decision	NOUN
fsr-3358	102	39	.	.	PUNCT
fsr-3358	103	1	goal	goal	NOUN
fsr-3358	103	2	setting	set	VERB
fsr-3358	103	3	(	(	PUNCT
fsr-3358	103	4	soman	soman	NOUN
fsr-3358	103	5	et	et	PROPN
fsr-3358	103	6	al	al	PROPN
fsr-3358	103	7	.	.	PROPN
fsr-3358	103	8	,	,	PUNCT
fsr-3358	103	9	2011	2011	NUM
fsr-3358	103	10	)	)	PUNCT
fsr-3358	103	11	,	,	PUNCT
fsr-3358	103	12	mental	mental	ADJ
fsr-3358	103	13	accounting	accounting	NOUN
fsr-3358	103	14	(	(	PUNCT
fsr-3358	103	15	shefrin	shefrin	NOUN
fsr-3358	103	16	et	et	PROPN
fsr-3358	103	17	al	al	PROPN
fsr-3358	103	18	.	.	PROPN
fsr-3358	103	19	,	,	PUNCT
fsr-3358	103	20	2004	2004	NUM
fsr-3358	103	21	)	)	PUNCT
fsr-3358	103	22	,	,	PUNCT
fsr-3358	103	23	future	future	ADJ
fsr-3358	103	24	self	self	NOUN
fsr-3358	103	25	(	(	PUNCT
fsr-3358	103	26	hershfield	hershfield	NOUN
fsr-3358	103	27	et	et	PROPN
fsr-3358	103	28	al	al	PROPN
fsr-3358	103	29	.	.	PROPN
fsr-3358	103	30	,	,	PUNCT
fsr-3358	103	31	2011	2011	NUM
fsr-3358	103	32	,	,	PUNCT
fsr-3358	103	33	cheema	cheema	PROPN
fsr-3358	103	34	et	et	PROPN
fsr-3358	103	35	al	al	PROPN
fsr-3358	103	36	.	.	PROPN
fsr-3358	103	37	,	,	PUNCT
fsr-3358	103	38	2011	2011	NUM
fsr-3358	103	39	)	)	PUNCT
fsr-3358	103	40	,	,	PUNCT
fsr-3358	103	41	and	and	CCONJ
fsr-3358	103	42	risk	risk	NOUN
fsr-3358	103	43	aversion	aversion	NOUN
fsr-3358	103	44	(	(	PUNCT
fsr-3358	103	45	cagetti	cagetti	PROPN
fsr-3358	103	46	,	,	PUNCT
fsr-3358	103	47	2003	2003	NUM
fsr-3358	103	48	)	)	PUNCT
fsr-3358	103	49	have	have	AUX
fsr-3358	103	50	all	all	PRON
fsr-3358	103	51	been	be	AUX
fsr-3358	103	52	linked	link	VERB
fsr-3358	103	53	to	to	ADP
fsr-3358	103	54	savings	saving	NOUN
fsr-3358	103	55	behaviour	behaviour	NOUN
fsr-3358	103	56	.	.	PUNCT
fsr-3358	104	1	dholakia	dholakia	NOUN
fsr-3358	104	2	(	(	PUNCT
fsr-3358	104	3	2016	2016	NUM
fsr-3358	104	4	)	)	PUNCT
fsr-3358	104	5	,	,	PUNCT
fsr-3358	104	6	in	in	ADP
fsr-3358	104	7	turn	turn	NOUN
fsr-3358	104	8	,	,	PUNCT
fsr-3358	104	9	noted	note	VERB
fsr-3358	104	10	that	that	SCONJ
fsr-3358	104	11	it	it	PRON
fsr-3358	104	12	may	may	AUX
fsr-3358	104	13	be	be	AUX
fsr-3358	104	14	more	more	ADV
fsr-3358	104	15	useful	useful	ADJ
fsr-3358	104	16	to	to	PART
fsr-3358	104	17	focus	focus	VERB
fsr-3358	104	18	on	on	ADP
fsr-3358	104	19	habits	habit	NOUN
fsr-3358	104	20	or	or	CCONJ
fsr-3358	104	21	traits	trait	NOUN
fsr-3358	104	22	,	,	PUNCT
fsr-3358	104	23	rather	rather	ADV
fsr-3358	104	24	than	than	ADP
fsr-3358	104	25	behaviour	behaviour	NOUN
fsr-3358	104	26	,	,	PUNCT
fsr-3358	104	27	when	when	SCONJ
fsr-3358	104	28	attempting	attempt	VERB
fsr-3358	104	29	to	to	PART
fsr-3358	104	30	predict	predict	VERB
fsr-3358	104	31	sustainable	sustainable	ADJ
fsr-3358	104	32	saving	saving	NOUN
fsr-3358	104	33	activities	activity	NOUN
fsr-3358	104	34	.	.	PUNCT
fsr-3358	105	1	further	further	ADJ
fsr-3358	105	2	research	research	NOUN
fsr-3358	105	3	(	(	PUNCT
fsr-3358	105	4	macinnis	macinnis	NOUN
fsr-3358	105	5	et	et	PROPN
fsr-3358	105	6	al	al	PROPN
fsr-3358	105	7	.	.	PROPN
fsr-3358	105	8	,	,	PUNCT
fsr-3358	105	9	2009	2009	NUM
fsr-3358	105	10	,	,	PUNCT
fsr-3358	105	11	hall	hall	NOUN
fsr-3358	105	12	,	,	PUNCT
fsr-3358	105	13	2021	2021	NUM
fsr-3358	105	14	)	)	PUNCT
fsr-3358	105	15	has	have	AUX
fsr-3358	105	16	noted	note	VERB
fsr-3358	105	17	that	that	SCONJ
fsr-3358	105	18	interventions	intervention	NOUN
fsr-3358	105	19	meant	mean	VERB
fsr-3358	105	20	to	to	PART
fsr-3358	105	21	nudge	nudge	VERB
fsr-3358	105	22	decision	decision	NOUN
fsr-3358	105	23	-	-	PUNCT
fsr-3358	105	24	makers	maker	NOUN
fsr-3358	105	25	8	8	NUM
fsr-3358	105	26	russell	russell	NOUN
fsr-3358	105	27	investments	investment	NOUN
fsr-3358	105	28	(	(	PUNCT
fsr-3358	105	29	www.russellinvestments.com	www.russellinvestments.com	NOUN
fsr-3358	105	30	)	)	PUNCT
fsr-3358	105	31	,	,	PUNCT
fsr-3358	105	32	sourced	source	VERB
fsr-3358	105	33	june	june	PROPN
fsr-3358	105	34	29	29	NUM
fsr-3358	105	35	,	,	PUNCT
fsr-3358	105	36	2023	2023	NUM
fsr-3358	105	37	should	should	AUX
fsr-3358	105	38	be	be	AUX
fsr-3358	105	39	tailored	tailor	VERB
fsr-3358	105	40	to	to	ADP
fsr-3358	105	41	individual	individual	ADJ
fsr-3358	105	42	differences	difference	NOUN
fsr-3358	105	43	and	and	CCONJ
fsr-3358	105	44	the	the	DET
fsr-3358	105	45	social	social	ADJ
fsr-3358	105	46	forces	force	NOUN
fsr-3358	105	47	that	that	PRON
fsr-3358	105	48	impact	impact	VERB
fsr-3358	105	49	particular	particular	ADJ
fsr-3358	105	50	social	social	ADJ
fsr-3358	105	51	groups	group	NOUN
fsr-3358	105	52	.	.	PUNCT
fsr-3358	106	1	newmeyer	newmeyer	NOUN
fsr-3358	106	2	(	(	PUNCT
fsr-3358	106	3	2020	2020	NUM
fsr-3358	106	4	)	)	PUNCT
fsr-3358	106	5	notes	note	VERB
fsr-3358	106	6	that	that	SCONJ
fsr-3358	106	7	the	the	DET
fsr-3358	106	8	benefits	benefit	NOUN
fsr-3358	106	9	of	of	ADP
fsr-3358	106	10	automated	automate	VERB
fsr-3358	106	11	savings	saving	NOUN
fsr-3358	106	12	accrue	accrue	NOUN
fsr-3358	106	13	at	at	ADP
fsr-3358	106	14	a	a	DET
fsr-3358	106	15	higher	high	ADJ
fsr-3358	106	16	rate	rate	NOUN
fsr-3358	106	17	for	for	ADP
fsr-3358	106	18	individuals	individual	NOUN
fsr-3358	106	19	with	with	ADP
fsr-3358	106	20	lower	low	ADJ
fsr-3358	106	21	incomes	income	NOUN
fsr-3358	106	22	and	and	CCONJ
fsr-3358	106	23	that	that	SCONJ
fsr-3358	106	24	this	this	DET
fsr-3358	106	25	benefit	benefit	NOUN
fsr-3358	106	26	depends	depend	VERB
fsr-3358	106	27	on	on	ADP
fsr-3358	106	28	the	the	DET
fsr-3358	106	29	presence	presence	NOUN
fsr-3358	106	30	of	of	ADP
fsr-3358	106	31	a	a	DET
fsr-3358	106	32	personal	personal	ADJ
fsr-3358	106	33	savings	saving	NOUN
fsr-3358	106	34	orientation	orientation	NOUN
fsr-3358	106	35	(	(	PUNCT
fsr-3358	106	36	dholakia	dholakia	NOUN
fsr-3358	106	37	et	et	PROPN
fsr-3358	106	38	al	al	PROPN
fsr-3358	106	39	.	.	PROPN
fsr-3358	106	40	,	,	PUNCT
fsr-3358	106	41	2016	2016	NUM
fsr-3358	106	42	)	)	PUNCT
fsr-3358	106	43	.	.	PUNCT
fsr-3358	107	1	the	the	DET
fsr-3358	107	2	impact	impact	NOUN
fsr-3358	107	3	of	of	ADP
fsr-3358	107	4	advice	advice	NOUN
fsr-3358	107	5	in	in	ADP
fsr-3358	107	6	this	this	DET
fsr-3358	107	7	paper	paper	NOUN
fsr-3358	107	8	,	,	PUNCT
fsr-3358	107	9	we	we	PRON
fsr-3358	107	10	examine	examine	VERB
fsr-3358	107	11	both	both	PRON
fsr-3358	107	12	advised	advise	VERB
fsr-3358	107	13	and	and	CCONJ
fsr-3358	107	14	‘	'	PUNCT
fsr-3358	107	15	doit	doit	X
fsr-3358	107	16	-	-	PUNCT
fsr-3358	107	17	yourself	yourself	PRON
fsr-3358	107	18	’	'	PUNCT
fsr-3358	107	19	investors	investor	NOUN
fsr-3358	107	20	to	to	PART
fsr-3358	107	21	observe	observe	VERB
fsr-3358	107	22	wealth	wealth	NOUN
fsr-3358	107	23	accumulation	accumulation	NOUN
fsr-3358	107	24	vis	vis	ADP
fsr-3358	107	25	a	a	X
fsr-3358	107	26	vis	vis	X
fsr-3358	107	27	the	the	DET
fsr-3358	107	28	influence	influence	NOUN
fsr-3358	107	29	of	of	ADP
fsr-3358	107	30	advice	advice	NOUN
fsr-3358	107	31	.	.	PUNCT
fsr-3358	108	1	the	the	DET
fsr-3358	108	2	role	role	NOUN
fsr-3358	108	3	of	of	ADP
fsr-3358	108	4	a	a	DET
fsr-3358	108	5	financial	financial	ADJ
fsr-3358	108	6	advisor	advisor	NOUN
fsr-3358	108	7	with	with	ADP
fsr-3358	108	8	respect	respect	NOUN
fsr-3358	108	9	to	to	ADP
fsr-3358	108	10	household	household	NOUN
fsr-3358	108	11	consumption	consumption	NOUN
fsr-3358	108	12	and	and	CCONJ
fsr-3358	108	13	utility	utility	NOUN
fsr-3358	108	14	has	have	AUX
fsr-3358	108	15	not	not	PART
fsr-3358	108	16	been	be	AUX
fsr-3358	108	17	widely	widely	ADV
fsr-3358	108	18	researched	research	VERB
fsr-3358	108	19	but	but	CCONJ
fsr-3358	108	20	there	there	PRON
fsr-3358	108	21	is	be	VERB
fsr-3358	108	22	emerging	emerge	VERB
fsr-3358	108	23	research	research	NOUN
fsr-3358	108	24	that	that	PRON
fsr-3358	108	25	advisors	advisor	NOUN
fsr-3358	108	26	enhance	enhance	VERB
fsr-3358	108	27	savings	saving	NOUN
fsr-3358	108	28	behaviour	behaviour	NOUN
fsr-3358	108	29	.	.	PUNCT
fsr-3358	109	1	industry	industry	NOUN
fsr-3358	109	2	studies	study	NOUN
fsr-3358	109	3	(	(	PUNCT
fsr-3358	109	4	russell8	russell8	NOUN
fsr-3358	109	5	,	,	PUNCT
fsr-3358	109	6	vanguard9	vanguard9	ADJ
fsr-3358	109	7	)	)	PUNCT
fsr-3358	109	8	estimate	estimate	NOUN
fsr-3358	109	9	advisors	advisor	NOUN
fsr-3358	109	10	add	add	VERB
fsr-3358	109	11	150	150	NUM
fsr-3358	109	12	to	to	PART
fsr-3358	109	13	200	200	NUM
fsr-3358	109	14	basis	basis	NOUN
fsr-3358	109	15	points	point	NOUN
fsr-3358	109	16	(	(	PUNCT
fsr-3358	109	17	bps	bps	NOUN
fsr-3358	109	18	)	)	PUNCT
fsr-3358	109	19	to	to	PART
fsr-3358	109	20	portfolio	portfolio	NOUN
fsr-3358	109	21	9	9	NUM
fsr-3358	109	22	vanguard	vanguard	NOUN
fsr-3358	109	23	(	(	PUNCT
fsr-3358	109	24	www.vanguard.com/pdf/isgqvaa.pdf	www.vanguard.com/pdf/isgqvaa.pdf	PROPN
fsr-3358	109	25	)	)	PUNCT
fsr-3358	109	26	,	,	PUNCT
fsr-3358	109	27	sourced	source	VERB
fsr-3358	109	28	june	june	PROPN
fsr-3358	109	29	29	29	NUM
fsr-3358	109	30	,	,	PUNCT
fsr-3358	109	31	2023	2023	NUM
fsr-3358	109	32	https://www.tandfonline.com/author/cagetti%2c+marco	https://www.tandfonline.com/author/cagetti%2c+marco	PROPN
fsr-3358	109	33	http://www.russellinvestments.com/	http://www.russellinvestments.com/	NOUN
fsr-3358	109	34	http://www.vanguard.com/pdf/isgqvaa.pdf	http://www.vanguard.com/pdf/isgqvaa.pdf	PROPN
fsr-3358	109	35	financial	financial	PROPN
fsr-3358	109	36	services	service	NOUN
fsr-3358	109	37	review	review	NOUN
fsr-3358	109	38	,	,	PUNCT
fsr-3358	109	39	32(2	32(2	NUM
fsr-3358	109	40	)	)	PUNCT
fsr-3358	109	41	6	6	NUM
fsr-3358	109	42	growth	growth	NOUN
fsr-3358	109	43	through	through	ADP
fsr-3358	109	44	coaching	coaching	NOUN
fsr-3358	109	45	and	and	CCONJ
fsr-3358	109	46	investor	investor	NOUN
fsr-3358	109	47	discipline	discipline	NOUN
fsr-3358	109	48	.	.	PUNCT
fsr-3358	110	1	foerster	foerster	PROPN
fsr-3358	110	2	et	et	PROPN
fsr-3358	110	3	al	al	PROPN
fsr-3358	110	4	.	.	PROPN
fsr-3358	110	5	(	(	PUNCT
fsr-3358	110	6	2017	2017	NUM
fsr-3358	110	7	)	)	PUNCT
fsr-3358	110	8	and	and	CCONJ
fsr-3358	110	9	linnainmaa	linnainmaa	NOUN
fsr-3358	110	10	(	(	PUNCT
fsr-3358	110	11	2020	2020	NUM
fsr-3358	110	12	)	)	PUNCT
fsr-3358	110	13	measured	measure	VERB
fsr-3358	110	14	advisor	advisor	NOUN
fsr-3358	110	15	value	value	NOUN
fsr-3358	110	16	and	and	CCONJ
fsr-3358	110	17	identified	identify	VERB
fsr-3358	110	18	a	a	DET
fsr-3358	110	19	significantly	significantly	ADV
fsr-3358	110	20	positive	positive	ADJ
fsr-3358	110	21	relationship	relationship	NOUN
fsr-3358	110	22	when	when	SCONJ
fsr-3358	110	23	adding	add	VERB
fsr-3358	110	24	an	an	DET
fsr-3358	110	25	automatic	automatic	ADJ
fsr-3358	110	26	savings	saving	NOUN
fsr-3358	110	27	plan	plan	NOUN
fsr-3358	110	28	and	and	CCONJ
fsr-3358	110	29	that	that	SCONJ
fsr-3358	110	30	non	non	ADJ
fsr-3358	110	31	-	-	ADJ
fsr-3358	110	32	advised	advised	ADJ
fsr-3358	110	33	investors	investor	NOUN
fsr-3358	110	34	did	do	AUX
fsr-3358	110	35	not	not	PART
fsr-3358	110	36	take	take	VERB
fsr-3358	110	37	advantage	advantage	NOUN
fsr-3358	110	38	of	of	ADP
fsr-3358	110	39	automated	automate	VERB
fsr-3358	110	40	savings	saving	NOUN
fsr-3358	110	41	plans	plan	NOUN
fsr-3358	110	42	.	.	PUNCT
fsr-3358	111	1	researchers	researcher	NOUN
fsr-3358	111	2	at	at	ADP
fsr-3358	111	3	cirano	cirano	PROPN
fsr-3358	111	4	(	(	PUNCT
fsr-3358	111	5	montmarquette	montmarquette	PROPN
fsr-3358	111	6	et	et	PROPN
fsr-3358	111	7	al	al	PROPN
fsr-3358	111	8	.	.	PROPN
fsr-3358	111	9	,	,	PUNCT
fsr-3358	111	10	2016	2016	NUM
fsr-3358	111	11	)	)	PUNCT
fsr-3358	111	12	determined	determine	VERB
fsr-3358	111	13	that	that	SCONJ
fsr-3358	111	14	investors	investor	NOUN
fsr-3358	111	15	who	who	PRON
fsr-3358	111	16	work	work	VERB
fsr-3358	111	17	with	with	ADP
fsr-3358	111	18	advisors	advisor	NOUN
fsr-3358	111	19	benefited	benefit	VERB
fsr-3358	111	20	from	from	ADP
fsr-3358	111	21	greater	great	ADJ
fsr-3358	111	22	savings	saving	NOUN
fsr-3358	111	23	.	.	PUNCT
fsr-3358	112	1	investment	investment	NOUN
fsr-3358	112	2	strategies	strategy	NOUN
fsr-3358	112	3	and	and	CCONJ
fsr-3358	112	4	wealth	wealth	NOUN
fsr-3358	112	5	accumulation	accumulation	NOUN
fsr-3358	112	6	in	in	ADP
fsr-3358	112	7	our	our	PRON
fsr-3358	112	8	analysis	analysis	NOUN
fsr-3358	112	9	we	we	PRON
fsr-3358	112	10	include	include	VERB
fsr-3358	112	11	several	several	ADJ
fsr-3358	112	12	financial	financial	ADJ
fsr-3358	112	13	features	feature	NOUN
fsr-3358	112	14	(	(	PUNCT
fsr-3358	112	15	table	table	NOUN
fsr-3358	112	16	2	2	NUM
fsr-3358	112	17	)	)	PUNCT
fsr-3358	112	18	to	to	PART
fsr-3358	112	19	observe	observe	VERB
fsr-3358	112	20	wealth	wealth	NOUN
fsr-3358	112	21	accumulation	accumulation	NOUN
fsr-3358	112	22	vis	vis	ADP
fsr-3358	112	23	a	a	DET
fsr-3358	112	24	vis	vis	X
fsr-3358	112	25	potential	potential	ADJ
fsr-3358	112	26	investment	investment	NOUN
fsr-3358	112	27	strategy	strategy	NOUN
fsr-3358	112	28	drivers	driver	NOUN
fsr-3358	112	29	.	.	PUNCT
fsr-3358	113	1	in	in	ADP
fsr-3358	113	2	finance	finance	NOUN
fsr-3358	113	3	and	and	CCONJ
fsr-3358	113	4	actuarial	actuarial	ADJ
fsr-3358	113	5	sciences	science	NOUN
fsr-3358	113	6	,	,	PUNCT
fsr-3358	113	7	researchers	researcher	NOUN
fsr-3358	113	8	have	have	AUX
fsr-3358	113	9	tended	tend	VERB
fsr-3358	113	10	to	to	PART
fsr-3358	113	11	focus	focus	VERB
fsr-3358	113	12	on	on	ADP
fsr-3358	113	13	investment	investment	NOUN
fsr-3358	113	14	risk	risk	NOUN
fsr-3358	113	15	and	and	CCONJ
fsr-3358	113	16	return	return	VERB
fsr-3358	113	17	as	as	ADP
fsr-3358	113	18	the	the	DET
fsr-3358	113	19	primary	primary	ADJ
fsr-3358	113	20	drivers	driver	NOUN
fsr-3358	113	21	for	for	ADP
fsr-3358	113	22	wealth	wealth	NOUN
fsr-3358	113	23	accumulation	accumulation	NOUN
fsr-3358	113	24	.	.	PUNCT
fsr-3358	114	1	established	establish	VERB
fsr-3358	114	2	techniques	technique	NOUN
fsr-3358	114	3	such	such	ADJ
fsr-3358	114	4	as	as	ADP
fsr-3358	114	5	diversification	diversification	NOUN
fsr-3358	114	6	(	(	PUNCT
fsr-3358	114	7	markowitz	markowitz	PROPN
fsr-3358	114	8	,	,	PUNCT
fsr-3358	114	9	1991	1991	NUM
fsr-3358	114	10	)	)	PUNCT
fsr-3358	114	11	,	,	PUNCT
fsr-3358	114	12	asset	asset	NOUN
fsr-3358	114	13	pricing	pricing	NOUN
fsr-3358	114	14	(	(	PUNCT
fsr-3358	114	15	merton	merton	PROPN
fsr-3358	114	16	,	,	PUNCT
fsr-3358	114	17	1973	1973	NUM
fsr-3358	114	18	)	)	PUNCT
fsr-3358	114	19	,	,	PUNCT
fsr-3358	114	20	lifetime	lifetime	NOUN
fsr-3358	114	21	ruin	ruin	NOUN
fsr-3358	114	22	(	(	PUNCT
fsr-3358	114	23	bayraktar	bayraktar	NOUN
fsr-3358	114	24	,	,	PUNCT
fsr-3358	114	25	2010	2010	NUM
fsr-3358	114	26	)	)	PUNCT
fsr-3358	114	27	,	,	PUNCT
fsr-3358	114	28	portfolio	portfolio	NOUN
fsr-3358	114	29	optimization	optimization	NOUN
fsr-3358	114	30	(	(	PUNCT
fsr-3358	114	31	markowitz	markowitz	PROPN
fsr-3358	114	32	,	,	PUNCT
fsr-3358	114	33	2010	2010	NUM
fsr-3358	114	34	)	)	PUNCT
fsr-3358	114	35	and	and	CCONJ
fsr-3358	114	36	target	target	VERB
fsr-3358	114	37	driven	drive	VERB
fsr-3358	114	38	portfolios	portfolio	NOUN
fsr-3358	114	39	(	(	PUNCT
fsr-3358	114	40	blake	blake	NOUN
fsr-3358	114	41	et	et	PROPN
fsr-3358	114	42	al	al	PROPN
fsr-3358	114	43	.	.	PROPN
fsr-3358	114	44	,	,	PUNCT
fsr-3358	114	45	2013	2013	NUM
fsr-3358	114	46	)	)	PUNCT
fsr-3358	114	47	are	be	AUX
fsr-3358	114	48	all	all	ADV
fsr-3358	114	49	focused	focused	ADJ
fsr-3358	114	50	on	on	ADP
fsr-3358	114	51	maximizing	maximize	VERB
fsr-3358	114	52	returns	return	NOUN
fsr-3358	114	53	while	while	SCONJ
fsr-3358	114	54	minimizing	minimize	VERB
fsr-3358	114	55	risk	risk	NOUN
fsr-3358	114	56	–	–	PUNCT
fsr-3358	114	57	once	once	ADV
fsr-3358	114	58	a	a	DET
fsr-3358	114	59	basket	basket	NOUN
fsr-3358	114	60	of	of	ADP
fsr-3358	114	61	savings	saving	NOUN
fsr-3358	114	62	has	have	AUX
fsr-3358	114	63	been	be	AUX
fsr-3358	114	64	accumulated	accumulate	VERB
fsr-3358	114	65	.	.	PUNCT
fsr-3358	115	1	canadian	canadian	ADJ
fsr-3358	115	2	investors	investor	NOUN
fsr-3358	115	3	generally	generally	ADV
fsr-3358	115	4	follow	follow	VERB
fsr-3358	115	5	one	one	NUM
fsr-3358	115	6	of	of	ADP
fsr-3358	115	7	two	two	NUM
fsr-3358	115	8	trading	trading	NOUN
fsr-3358	115	9	strategies	strategy	NOUN
fsr-3358	115	10	with	with	ADP
fsr-3358	115	11	their	their	PRON
fsr-3358	115	12	registered	register	VERB
fsr-3358	115	13	retirement	retirement	NOUN
fsr-3358	115	14	savings	saving	NOUN
fsr-3358	115	15	plans	plan	NOUN
fsr-3358	115	16	(	(	PUNCT
fsr-3358	115	17	the	the	DET
fsr-3358	115	18	focus	focus	NOUN
fsr-3358	115	19	on	on	ADP
fsr-3358	115	20	this	this	DET
fsr-3358	115	21	paper	paper	NOUN
fsr-3358	115	22	)	)	PUNCT
fsr-3358	115	23	–	–	PUNCT
fsr-3358	115	24	either	either	CCONJ
fsr-3358	115	25	active	active	ADJ
fsr-3358	115	26	or	or	CCONJ
fsr-3358	115	27	passive	passive	ADJ
fsr-3358	115	28	.	.	PUNCT
fsr-3358	116	1	active	active	ADJ
fsr-3358	116	2	trading	trading	NOUN
fsr-3358	116	3	refers	refer	VERB
fsr-3358	116	4	to	to	ADP
fsr-3358	116	5	the	the	DET
fsr-3358	116	6	periodic	periodic	ADJ
fsr-3358	116	7	trading	trading	NOUN
fsr-3358	116	8	in	in	ADP
fsr-3358	116	9	specific	specific	ADJ
fsr-3358	116	10	securities	security	NOUN
fsr-3358	116	11	,	,	PUNCT
fsr-3358	116	12	typically	typically	ADV
fsr-3358	116	13	to	to	PART
fsr-3358	116	14	deliver	deliver	VERB
fsr-3358	116	15	alpha	alpha	NOUN
fsr-3358	116	16	(	(	PUNCT
fsr-3358	116	17	unusual	unusual	ADJ
fsr-3358	116	18	returns	return	NOUN
fsr-3358	116	19	)	)	PUNCT
fsr-3358	116	20	or	or	CCONJ
fsr-3358	116	21	minimize	minimize	VERB
fsr-3358	116	22	risk	risk	NOUN
fsr-3358	116	23	(	(	PUNCT
fsr-3358	116	24	volatility	volatility	NOUN
fsr-3358	116	25	)	)	PUNCT
fsr-3358	116	26	.	.	PUNCT
fsr-3358	117	1	the	the	DET
fsr-3358	117	2	antithesis	antithesis	NOUN
fsr-3358	117	3	of	of	ADP
fsr-3358	117	4	an	an	DET
fsr-3358	117	5	active	active	ADJ
fsr-3358	117	6	trading	trading	NOUN
fsr-3358	117	7	strategy	strategy	NOUN
fsr-3358	117	8	would	would	AUX
fsr-3358	117	9	be	be	AUX
fsr-3358	117	10	a	a	DET
fsr-3358	117	11	passive	passive	ADJ
fsr-3358	117	12	trading	trading	NOUN
fsr-3358	117	13	strategy	strategy	NOUN
fsr-3358	117	14	where	where	SCONJ
fsr-3358	117	15	investors	investor	NOUN
fsr-3358	117	16	largely	largely	ADV
fsr-3358	117	17	‘	'	PUNCT
fsr-3358	117	18	buy	buy	VERB
fsr-3358	117	19	and	and	CCONJ
fsr-3358	117	20	hold	hold	VERB
fsr-3358	117	21	’	'	PUNCT
fsr-3358	117	22	investments	investment	NOUN
fsr-3358	117	23	for	for	ADP
fsr-3358	117	24	the	the	DET
fsr-3358	117	25	duration	duration	NOUN
fsr-3358	117	26	of	of	ADP
fsr-3358	117	27	their	their	PRON
fsr-3358	117	28	investment	investment	NOUN
fsr-3358	117	29	horizon	horizon	NOUN
fsr-3358	117	30	.	.	PUNCT
fsr-3358	118	1	do	do	AUX
fsr-3358	118	2	-	-	PUNCT
fsr-3358	118	3	it	it	PRON
fsr-3358	118	4	-	-	PUNCT
fsr-3358	118	5	yourself	yourself	PRON
fsr-3358	118	6	(	(	PUNCT
fsr-3358	118	7	diy	diy	NOUN
fsr-3358	118	8	)	)	PUNCT
fsr-3358	118	9	investors	investor	NOUN
fsr-3358	118	10	can	can	AUX
fsr-3358	118	11	trade	trade	VERB
fsr-3358	118	12	as	as	ADV
fsr-3358	118	13	often	often	ADV
fsr-3358	118	14	as	as	SCONJ
fsr-3358	118	15	they	they	PRON
fsr-3358	118	16	wish	wish	VERB
fsr-3358	118	17	while	while	SCONJ
fsr-3358	118	18	advised	advise	VERB
fsr-3358	118	19	investors	investor	NOUN
fsr-3358	118	20	are	be	AUX
fsr-3358	118	21	presumably	presumably	ADV
fsr-3358	118	22	influenced	influence	VERB
fsr-3358	118	23	by	by	ADP
fsr-3358	118	24	their	their	PRON
fsr-3358	118	25	advisor	advisor	NOUN
fsr-3358	118	26	’s	’s	PART
fsr-3358	118	27	recommendations	recommendation	NOUN
fsr-3358	118	28	and	and	CCONJ
fsr-3358	118	29	availability	availability	NOUN
fsr-3358	118	30	.	.	PUNCT
fsr-3358	119	1	we	we	PRON
fsr-3358	119	2	have	have	AUX
fsr-3358	119	3	not	not	PART
fsr-3358	119	4	included	include	VERB
fsr-3358	119	5	annual	annual	ADJ
fsr-3358	119	6	portfolio	portfolio	NOUN
fsr-3358	119	7	rebalancing	rebalancing	NOUN
fsr-3358	119	8	under	under	ADP
fsr-3358	119	9	the	the	DET
fsr-3358	119	10	definition	definition	NOUN
fsr-3358	119	11	of	of	ADP
fsr-3358	119	12	active	active	ADJ
fsr-3358	119	13	trading	trading	NOUN
fsr-3358	119	14	as	as	SCONJ
fsr-3358	119	15	it	it	PRON
fsr-3358	119	16	represents	represent	VERB
fsr-3358	119	17	a	a	DET
fsr-3358	119	18	realignment	realignment	NOUN
fsr-3358	119	19	to	to	ADP
fsr-3358	119	20	the	the	DET
fsr-3358	119	21	investor	investor	NOUN
fsr-3358	119	22	’s	’s	PART
fsr-3358	119	23	risk	risk	NOUN
fsr-3358	119	24	tolerance	tolerance	NOUN
fsr-3358	119	25	rather	rather	ADV
fsr-3358	119	26	than	than	ADP
fsr-3358	119	27	an	an	DET
fsr-3358	119	28	attempt	attempt	NOUN
fsr-3358	119	29	to	to	PART
fsr-3358	119	30	‘	'	PUNCT
fsr-3358	119	31	time	time	NOUN
fsr-3358	119	32	the	the	DET
fsr-3358	119	33	market	market	NOUN
fsr-3358	119	34	’	'	PUNCT
fsr-3358	119	35	or	or	CCONJ
fsr-3358	119	36	generate	generate	VERB
fsr-3358	119	37	alpha	alpha	NOUN
fsr-3358	119	38	.	.	PUNCT
fsr-3358	120	1	the	the	DET
fsr-3358	120	2	bottom	bottom	ADJ
fsr-3358	120	3	line	line	NOUN
fsr-3358	120	4	despite	despite	SCONJ
fsr-3358	120	5	the	the	DET
fsr-3358	120	6	interventions	intervention	NOUN
fsr-3358	120	7	noted	note	VERB
fsr-3358	120	8	above	above	ADV
fsr-3358	120	9	,	,	PUNCT
fsr-3358	120	10	savings	saving	NOUN
fsr-3358	120	11	trajectories	trajectory	NOUN
fsr-3358	120	12	in	in	ADP
fsr-3358	120	13	canada	canada	PROPN
fsr-3358	120	14	appear	appear	VERB
fsr-3358	120	15	to	to	PART
fsr-3358	120	16	be	be	AUX
fsr-3358	120	17	moving	move	VERB
fsr-3358	120	18	in	in	ADP
fsr-3358	120	19	the	the	DET
fsr-3358	120	20	wrong	wrong	ADJ
fsr-3358	120	21	direction	direction	NOUN
fsr-3358	120	22	.	.	PUNCT
fsr-3358	121	1	in	in	ADP
fsr-3358	121	2	canada	canada	PROPN
fsr-3358	121	3	,	,	PUNCT
fsr-3358	121	4	savings	saving	NOUN
fsr-3358	121	5	rates	rate	NOUN
fsr-3358	121	6	trended	trend	VERB
fsr-3358	121	7	up	up	ADP
fsr-3358	121	8	during	during	ADP
fsr-3358	121	9	the	the	DET
fsr-3358	121	10	2019	2019	NUM
fsr-3358	121	11	pandemic	pandemic	ADJ
fsr-3358	121	12	but	but	CCONJ
fsr-3358	121	13	have	have	AUX
fsr-3358	121	14	subsequently	subsequently	ADV
fsr-3358	121	15	reverted	revert	VERB
fsr-3358	121	16	to	to	ADP
fsr-3358	121	17	pre	pre	ADJ
fsr-3358	121	18	-	-	ADJ
fsr-3358	121	19	pandemic	pandemic	ADJ
fsr-3358	121	20	levels	level	NOUN
fsr-3358	121	21	levels	level	NOUN
fsr-3358	121	22	described	describe	VERB
fsr-3358	121	23	by	by	ADP
fsr-3358	121	24	some	some	DET
fsr-3358	121	25	policy	policy	NOUN
fsr-3358	121	26	makers	maker	NOUN
fsr-3358	121	27	as	as	ADP
fsr-3358	121	28	dangerously	dangerously	ADV
fsr-3358	121	29	low	low	ADJ
fsr-3358	121	30	(	(	PUNCT
fsr-3358	121	31	baldwin	baldwin	PROPN
fsr-3358	121	32	,	,	PUNCT
fsr-3358	121	33	2022	2022	NUM
fsr-3358	121	34	,	,	PUNCT
fsr-3358	121	35	macgee	macgee	NOUN
fsr-3358	121	36	,	,	PUNCT
fsr-3358	121	37	2022	2022	NUM
fsr-3358	121	38	)	)	PUNCT
fsr-3358	121	39	(	(	PUNCT
fsr-3358	121	40	see	see	VERB
fsr-3358	121	41	figure	figure	NOUN
fsr-3358	121	42	1	1	NUM
fsr-3358	121	43	and	and	CCONJ
fsr-3358	121	44	2	2	NUM
fsr-3358	121	45	)	)	PUNCT
fsr-3358	121	46	.	.	PUNCT
fsr-3358	122	1	as	as	ADV
fsr-3358	122	2	well	well	ADV
fsr-3358	122	3	,	,	PUNCT
fsr-3358	122	4	while	while	SCONJ
fsr-3358	122	5	incomes	income	NOUN
fsr-3358	122	6	in	in	ADP
fsr-3358	122	7	canada	canada	PROPN
fsr-3358	122	8	appear	appear	VERB
fsr-3358	122	9	to	to	PART
fsr-3358	122	10	peak	peak	VERB
fsr-3358	122	11	in	in	ADP
fsr-3358	122	12	the	the	DET
fsr-3358	122	13	45	45	NUM
fsr-3358	122	14	to	to	PART
fsr-3358	122	15	54	54	NUM
fsr-3358	122	16	age	age	NOUN
fsr-3358	122	17	group	group	NOUN
fsr-3358	122	18	,	,	PUNCT
fsr-3358	122	19	savings	saving	NOUN
fsr-3358	122	20	rates	rate	NOUN
fsr-3358	122	21	peak	peak	VERB
fsr-3358	122	22	in	in	ADP
fsr-3358	122	23	the	the	DET
fsr-3358	122	24	35	35	NUM
fsr-3358	122	25	to	to	PART
fsr-3358	122	26	44	44	NUM
fsr-3358	122	27	age	age	NOUN
fsr-3358	122	28	group	group	NOUN
fsr-3358	122	29	–	–	PUNCT
fsr-3358	122	30	well	well	ADV
fsr-3358	122	31	before	before	SCONJ
fsr-3358	122	32	the	the	DET
fsr-3358	122	33	peak	peak	NOUN
fsr-3358	122	34	predicted	predict	VERB
fsr-3358	122	35	in	in	ADP
fsr-3358	122	36	the	the	DET
fsr-3358	122	37	life	life	NOUN
fsr-3358	122	38	cycle	cycle	NOUN
fsr-3358	122	39	hypothesis	hypothesis	NOUN
fsr-3358	122	40	(	(	PUNCT
fsr-3358	122	41	see	see	VERB
fsr-3358	122	42	figure	figure	NOUN
fsr-3358	122	43	3	3	NUM
fsr-3358	122	44	)	)	PUNCT
fsr-3358	122	45	.	.	PUNCT
fsr-3358	123	1	an	an	DET
fsr-3358	123	2	empirical	empirical	ADJ
fsr-3358	123	3	study	study	NOUN
fsr-3358	123	4	could	could	AUX
fsr-3358	123	5	provide	provide	VERB
fsr-3358	123	6	valuable	valuable	ADJ
fsr-3358	123	7	insights	insight	NOUN
fsr-3358	123	8	into	into	ADP
fsr-3358	123	9	the	the	DET
fsr-3358	123	10	impact	impact	NOUN
fsr-3358	123	11	of	of	ADP
fsr-3358	123	12	savings	saving	NOUN
fsr-3358	123	13	rates	rate	NOUN
fsr-3358	123	14	,	,	PUNCT
fsr-3358	123	15	as	as	ADV
fsr-3358	123	16	well	well	ADV
fsr-3358	123	17	as	as	ADP
fsr-3358	123	18	elucidate	elucidate	VERB
fsr-3358	123	19	strategies	strategy	NOUN
fsr-3358	123	20	individuals	individual	NOUN
fsr-3358	123	21	could	could	AUX
fsr-3358	123	22	adopt	adopt	VERB
fsr-3358	123	23	to	to	PART
fsr-3358	123	24	improve	improve	VERB
fsr-3358	123	25	savings	saving	NOUN
fsr-3358	123	26	.	.	PUNCT
fsr-3358	124	1	grace	grace	NOUN
fsr-3358	124	2	et	et	PROPN
fsr-3358	124	3	al	al	PROPN
fsr-3358	124	4	.	.	PROPN
fsr-3358	124	5	7	7	NUM
fsr-3358	124	6	figure	figure	NOUN
fsr-3358	124	7	1	1	NUM
fsr-3358	124	8	.	.	PUNCT
fsr-3358	124	9	household	household	NOUN
fsr-3358	124	10	savings	saving	NOUN
fsr-3358	124	11	rates	rate	NOUN
fsr-3358	124	12	as	as	ADP
fsr-3358	124	13	percentage	percentage	NOUN
fsr-3358	124	14	of	of	ADP
fsr-3358	124	15	disposable	disposable	ADJ
fsr-3358	124	16	income10	income10	NOUN
fsr-3358	124	17	figure	figure	VERB
fsr-3358	124	18	2	2	NUM
fsr-3358	124	19	.	.	PUNCT
fsr-3358	125	1	canadian	canadian	ADJ
fsr-3358	125	2	household	household	NOUN
fsr-3358	125	3	savings	saving	NOUN
fsr-3358	125	4	rates	rate	NOUN
fsr-3358	125	5	as	as	ADP
fsr-3358	125	6	percentage	percentage	NOUN
fsr-3358	125	7	of	of	ADP
fsr-3358	125	8	disposable	disposable	ADJ
fsr-3358	125	9	income11	income11	NOUN
fsr-3358	125	10	10	10	NUM
fsr-3358	125	11	oecd	oecd	PROPN
fsr-3358	125	12	(	(	PUNCT
fsr-3358	125	13	2023	2023	NUM
fsr-3358	125	14	)	)	PUNCT
fsr-3358	125	15	,	,	PUNCT
fsr-3358	125	16	saving	save	VERB
fsr-3358	125	17	rate	rate	NOUN
fsr-3358	125	18	(	(	PUNCT
fsr-3358	125	19	indicator	indicator	NOUN
fsr-3358	125	20	)	)	PUNCT
fsr-3358	125	21	.	.	PUNCT
fsr-3358	126	1	doi	doi	NOUN
fsr-3358	126	2	:	:	PUNCT
fsr-3358	126	3	10.1787	10.1787	NUM
fsr-3358	126	4	/	/	SYM
fsr-3358	126	5	ff2e64d4	ff2e64d4	NOUN
fsr-3358	126	6	-	-	PUNCT
fsr-3358	126	7	en	en	X
fsr-3358	126	8	(	(	PUNCT
fsr-3358	126	9	accessed	access	VERB
fsr-3358	126	10	on	on	ADP
fsr-3358	126	11	29	29	NUM
fsr-3358	126	12	june	june	PROPN
fsr-3358	126	13	2023	2023	NUM
fsr-3358	126	14	)	)	PUNCT
fsr-3358	126	15	11	11	NUM
fsr-3358	126	16	https://doi.org/10.25318/3610011201-eng	https://doi.org/10.25318/3610011201-eng	NUM
fsr-3358	126	17	,	,	PUNCT
fsr-3358	126	18	sourced	source	VERB
fsr-3358	126	19	june	june	PROPN
fsr-3358	126	20	29	29	NUM
fsr-3358	126	21	,	,	PUNCT
fsr-3358	126	22	2023	2023	NUM
fsr-3358	126	23	-2.0	-2.0	NOUN
fsr-3358	126	24	%	%	NOUN
fsr-3358	126	25	0.0	0.0	NUM
fsr-3358	126	26	%	%	NOUN
fsr-3358	126	27	2.0	2.0	NUM
fsr-3358	126	28	%	%	NOUN
fsr-3358	126	29	4.0	4.0	NUM
fsr-3358	126	30	%	%	NOUN
fsr-3358	126	31	6.0	6.0	NUM
fsr-3358	126	32	%	%	NOUN
fsr-3358	126	33	8.0	8.0	NUM
fsr-3358	126	34	%	%	NOUN
fsr-3358	126	35	10.0	10.0	NUM
fsr-3358	126	36	%	%	NOUN
fsr-3358	126	37	12.0	12.0	NUM
fsr-3358	126	38	%	%	NOUN
fsr-3358	126	39	14.0	14.0	NUM
fsr-3358	126	40	%	%	NOUN
fsr-3358	126	41	2000	2000	NUM
fsr-3358	126	42	2001	2001	NUM
fsr-3358	126	43	2002	2002	NUM
fsr-3358	126	44	2003	2003	NUM
fsr-3358	126	45	2004	2004	NUM
fsr-3358	126	46	2005	2005	NUM
fsr-3358	126	47	2006	2006	NUM
fsr-3358	126	48	2007	2007	NUM
fsr-3358	126	49	2008	2008	NUM
fsr-3358	126	50	2009	2009	NUM
fsr-3358	126	51	2010	2010	NUM
fsr-3358	126	52	2011	2011	NUM
fsr-3358	126	53	2012	2012	NUM
fsr-3358	126	54	2013	2013	NUM
fsr-3358	126	55	2014	2014	NUM
fsr-3358	126	56	2015	2015	NUM
fsr-3358	126	57	2016	2016	NUM
fsr-3358	126	58	2017	2017	NUM
fsr-3358	126	59	2018	2018	NUM
fsr-3358	126	60	2019	2019	NUM
fsr-3358	126	61	2020	2020	NUM
fsr-3358	126	62	2021	2021	NUM
fsr-3358	126	63	2022	2022	NUM
fsr-3358	126	64	2023	2023	NUM
fsr-3358	126	65	canadian	canadian	ADJ
fsr-3358	126	66	household	household	NOUN
fsr-3358	126	67	savings	saving	NOUN
fsr-3358	126	68	rates	rate	NOUN
fsr-3358	126	69	 	 	SPACE
fsr-3358	126	70	https:/doi.org/10.25318/3610011201	https:/doi.org/10.25318/3610011201	ADJ
fsr-3358	126	71	-	-	PUNCT
fsr-3358	126	72	eng	eng	PROPN
fsr-3358	126	73	financial	financial	PROPN
fsr-3358	126	74	services	services	PROPN
fsr-3358	126	75	review	review	PROPN
fsr-3358	126	76	,	,	PUNCT
fsr-3358	126	77	32(2	32(2	NUM
fsr-3358	126	78	)	)	PUNCT
fsr-3358	126	79	8	8	NUM
fsr-3358	126	80	figure	figure	NOUN
fsr-3358	126	81	3	3	NUM
fsr-3358	126	82	.	.	PUNCT
fsr-3358	126	83	canadian	canadian	ADJ
fsr-3358	126	84	household	household	NOUN
fsr-3358	126	85	savings	saving	NOUN
fsr-3358	126	86	rates	rate	NOUN
fsr-3358	126	87	as	as	ADP
fsr-3358	126	88	a	a	DET
fsr-3358	126	89	percentage	percentage	NOUN
fsr-3358	126	90	of	of	ADP
fsr-3358	126	91	disposable	disposable	ADJ
fsr-3358	126	92	income	income	NOUN
fsr-3358	126	93	,	,	PUNCT
fsr-3358	126	94	by	by	ADP
fsr-3358	126	95	age	age	NOUN
fsr-3358	126	96	group	group	NOUN
fsr-3358	126	97	(	(	PUNCT
fsr-3358	126	98	2018/22)12	2018/22)12	NUM
fsr-3358	126	99	data	datum	NOUN
fsr-3358	126	100	description	description	NOUN
fsr-3358	126	101	and	and	CCONJ
fsr-3358	126	102	analytical	analytical	ADJ
fsr-3358	126	103	methodology	methodology	NOUN
fsr-3358	126	104	data	datum	NOUN
fsr-3358	126	105	/	/	SYM
fsr-3358	126	106	sample	sample	NOUN
fsr-3358	126	107	the	the	DET
fsr-3358	126	108	datasets	dataset	NOUN
fsr-3358	126	109	include	include	VERB
fsr-3358	126	110	anonymized	anonymize	VERB
fsr-3358	126	111	data	datum	NOUN
fsr-3358	126	112	on	on	ADP
fsr-3358	126	113	investors	investor	NOUN
fsr-3358	126	114	under	under	ADP
fsr-3358	126	115	two	two	NUM
fsr-3358	126	116	distinct	distinct	ADJ
fsr-3358	126	117	circumstances	circumstance	NOUN
fsr-3358	126	118	.	.	PUNCT
fsr-3358	127	1	•	•	NUM
fsr-3358	127	2	dataset	dataset	NOUN
fsr-3358	127	3	1	1	NUM
fsr-3358	127	4	encompasses	encompass	VERB
fsr-3358	127	5	7,400	7,400	NUM
fsr-3358	127	6	investors	investor	NOUN
fsr-3358	127	7	who	who	PRON
fsr-3358	127	8	work	work	VERB
fsr-3358	127	9	closely	closely	ADV
fsr-3358	127	10	with	with	ADP
fsr-3358	127	11	financial	financial	ADJ
fsr-3358	127	12	advisors	advisor	NOUN
fsr-3358	127	13	.	.	PUNCT
fsr-3358	128	1	•	•	NUM
fsr-3358	128	2	dataset	dataset	NOUN
fsr-3358	128	3	2	2	NUM
fsr-3358	128	4	encompasses	encompass	VERB
fsr-3358	128	5	477	477	NUM
fsr-3358	128	6	investors	investor	NOUN
fsr-3358	128	7	who	who	PRON
fsr-3358	128	8	do	do	AUX
fsr-3358	128	9	not	not	PART
fsr-3358	128	10	work	work	VERB
fsr-3358	128	11	with	with	ADP
fsr-3358	128	12	financial	financial	ADJ
fsr-3358	128	13	advisors	advisor	NOUN
fsr-3358	128	14	–	–	PUNCT
fsr-3358	128	15	sometimes	sometimes	ADV
fsr-3358	128	16	referred	refer	VERB
fsr-3358	128	17	to	to	ADP
fsr-3358	128	18	as	as	ADP
fsr-3358	128	19	diy	diy	NOUN
fsr-3358	128	20	investors	investor	NOUN
fsr-3358	128	21	.	.	PUNCT
fsr-3358	129	1	we	we	PRON
fsr-3358	129	2	examined	examine	VERB
fsr-3358	129	3	savings	saving	NOUN
fsr-3358	129	4	behaviours	behaviour	NOUN
fsr-3358	129	5	for	for	ADP
fsr-3358	129	6	the	the	DET
fsr-3358	129	7	period	period	NOUN
fsr-3358	129	8	august	august	PROPN
fsr-3358	129	9	2019	2019	NUM
fsr-3358	129	10	to	to	ADP
fsr-3358	129	11	august	august	PROPN
fsr-3358	129	12	2022	2022	NUM
fsr-3358	129	13	,	,	PUNCT
fsr-3358	129	14	providing	provide	VERB
fsr-3358	129	15	us	we	PRON
fsr-3358	129	16	with	with	ADP
fsr-3358	129	17	the	the	DET
fsr-3358	129	18	opportunity	opportunity	NOUN
fsr-3358	129	19	to	to	PART
fsr-3358	129	20	observe	observe	VERB
fsr-3358	129	21	behaviour	behaviour	NOUN
fsr-3358	129	22	during	during	ADP
fsr-3358	129	23	rising	rise	VERB
fsr-3358	129	24	markets	market	NOUN
fsr-3358	129	25	,	,	PUNCT
fsr-3358	129	26	declining	decline	VERB
fsr-3358	129	27	markets	market	NOUN
fsr-3358	129	28	and	and	CCONJ
fsr-3358	129	29	the	the	DET
fsr-3358	129	30	turbulent	turbulent	ADJ
fsr-3358	129	31	phases	phase	NOUN
fsr-3358	129	32	that	that	PRON
fsr-3358	129	33	transition	transition	VERB
fsr-3358	129	34	the	the	DET
fsr-3358	129	35	two	two	NUM
fsr-3358	129	36	.	.	PUNCT
fsr-3358	130	1	both	both	DET
fsr-3358	130	2	datasets	dataset	NOUN
fsr-3358	130	3	encompassed	encompass	VERB
fsr-3358	130	4	registered	registered	ADJ
fsr-3358	130	5	retirement	retirement	NOUN
fsr-3358	130	6	savings	saving	NOUN
fsr-3358	130	7	plans	plan	NOUN
fsr-3358	130	8	(	(	PUNCT
fsr-3358	130	9	rsps	rsp	NOUN
fsr-3358	130	10	)	)	PUNCT
fsr-3358	130	11	to	to	PART
fsr-3358	130	12	help	help	VERB
fsr-3358	130	13	control	control	VERB
fsr-3358	130	14	for	for	ADP
fsr-3358	130	15	risk	risk	NOUN
fsr-3358	130	16	tolerance	tolerance	NOUN
fsr-3358	130	17	,	,	PUNCT
fsr-3358	130	18	time	time	NOUN
fsr-3358	130	19	horizon	horizon	NOUN
fsr-3358	130	20	and	and	CCONJ
fsr-3358	130	21	structural	structural	ADJ
fsr-3358	130	22	constraints	constraint	NOUN
fsr-3358	130	23	(	(	PUNCT
fsr-3358	130	24	see	see	VERB
fsr-3358	130	25	appendix	appendix	NOUN
fsr-3358	130	26	3	3	NUM
fsr-3358	130	27	)	)	PUNCT
fsr-3358	130	28	.	.	PUNCT
fsr-3358	131	1	the	the	DET
fsr-3358	131	2	datasets	dataset	NOUN
fsr-3358	131	3	included	include	VERB
fsr-3358	131	4	data	datum	NOUN
fsr-3358	131	5	points	point	NOUN
fsr-3358	131	6	down	down	ADP
fsr-3358	131	7	to	to	ADP
fsr-3358	131	8	the	the	DET
fsr-3358	131	9	daily	daily	ADJ
fsr-3358	131	10	transaction	transaction	NOUN
fsr-3358	131	11	level	level	NOUN
fsr-3358	131	12	.	.	PUNCT
fsr-3358	132	1	dataset	dataset	NOUN
fsr-3358	132	2	1	1	NUM
fsr-3358	132	3	was	be	AUX
fsr-3358	132	4	provided	provide	VERB
fsr-3358	132	5	by	by	ADP
fsr-3358	132	6	a	a	DET
fsr-3358	132	7	registered	register	VERB
fsr-3358	132	8	investment	investment	NOUN
fsr-3358	132	9	dealer	dealer	NOUN
fsr-3358	132	10	that	that	PRON
fsr-3358	132	11	has	have	AUX
fsr-3358	132	12	provided	provide	VERB
fsr-3358	132	13	investment	investment	NOUN
fsr-3358	132	14	products	product	NOUN
fsr-3358	132	15	to	to	ADP
fsr-3358	132	16	canadian	canadian	ADJ
fsr-3358	132	17	retail	retail	ADJ
fsr-3358	132	18	investors	investor	NOUN
fsr-3358	132	19	for	for	ADP
fsr-3358	132	20	over	over	ADP
fsr-3358	132	21	30	30	NUM
fsr-3358	132	22	12	12	NUM
fsr-3358	132	23	statistics	statistic	NOUN
fsr-3358	132	24	canada	canada	PROPN
fsr-3358	132	25	table	table	NOUN
fsr-3358	132	26	:	:	PUNCT
fsr-3358	132	27	36	36	NUM
fsr-3358	132	28	-	-	SYM
fsr-3358	132	29	10	10	NUM
fsr-3358	132	30	-	-	PUNCT
fsr-3358	132	31	0587	0587	NUM
fsr-3358	132	32	-	-	SYM
fsr-3358	132	33	01	01	NUM
fsr-3358	132	34	(	(	PUNCT
fsr-3358	132	35	formerly	formerly	ADV
fsr-3358	132	36	cansim	cansim	NOUN
fsr-3358	132	37	378	378	NUM
fsr-3358	132	38	-	-	SYM
fsr-3358	132	39	0152	0152	NUM
fsr-3358	132	40	)	)	PUNCT
fsr-3358	132	41	,	,	PUNCT
fsr-3358	132	42	sourced	source	VERB
fsr-3358	132	43	january	january	PROPN
fsr-3358	132	44	2024	2024	NUM
fsr-3358	132	45	years	year	NOUN
fsr-3358	132	46	.	.	PUNCT
fsr-3358	133	1	the	the	DET
fsr-3358	133	2	dealer	dealer	NOUN
fsr-3358	133	3	hitherto	hitherto	NOUN
fsr-3358	133	4	has	have	VERB
fsr-3358	133	5	approximately	approximately	ADV
fsr-3358	133	6	300	300	NUM
fsr-3358	133	7	advisors	advisor	NOUN
fsr-3358	133	8	who	who	PRON
fsr-3358	133	9	work	work	VERB
fsr-3358	133	10	with	with	ADP
fsr-3358	133	11	approximately	approximately	ADV
fsr-3358	133	12	23,000	23,000	NUM
fsr-3358	133	13	clients	client	NOUN
fsr-3358	133	14	across	across	ADP
fsr-3358	133	15	canada	canada	PROPN
fsr-3358	133	16	,	,	PUNCT
fsr-3358	133	17	with	with	ADP
fsr-3358	133	18	over	over	ADP
fsr-3358	133	19	$	$	SYM
fsr-3358	133	20	10	10	NUM
fsr-3358	133	21	billion	billion	NUM
fsr-3358	133	22	canadian	canadian	ADJ
fsr-3358	133	23	dollars	dollar	NOUN
fsr-3358	133	24	(	(	PUNCT
fsr-3358	133	25	cad	cad	NOUN
fsr-3358	133	26	)	)	PUNCT
fsr-3358	133	27	in	in	ADP
fsr-3358	133	28	assets	asset	NOUN
fsr-3358	133	29	under	under	ADP
fsr-3358	133	30	administration	administration	NOUN
fsr-3358	133	31	.	.	PUNCT
fsr-3358	134	1	clients	client	NOUN
fsr-3358	134	2	typically	typically	ADV
fsr-3358	134	3	have	have	VERB
fsr-3358	134	4	multiple	multiple	ADJ
fsr-3358	134	5	accounts	account	NOUN
fsr-3358	134	6	each	each	PRON
fsr-3358	134	7	with	with	ADP
fsr-3358	134	8	different	different	ADJ
fsr-3358	134	9	purposes	purpose	NOUN
fsr-3358	134	10	.	.	PUNCT
fsr-3358	135	1	for	for	ADP
fsr-3358	135	2	example	example	NOUN
fsr-3358	135	3	,	,	PUNCT
fsr-3358	135	4	a	a	DET
fsr-3358	135	5	client	client	NOUN
fsr-3358	135	6	may	may	AUX
fsr-3358	135	7	have	have	VERB
fsr-3358	135	8	accounts	account	NOUN
fsr-3358	135	9	for	for	ADP
fsr-3358	135	10	:	:	PUNCT
fsr-3358	135	11	(	(	PUNCT
fsr-3358	135	12	i	i	NOUN
fsr-3358	135	13	)	)	PUNCT
fsr-3358	135	14	retirement	retirement	NOUN
fsr-3358	135	15	savings	saving	NOUN
fsr-3358	135	16	;	;	PUNCT
fsr-3358	135	17	(	(	PUNCT
fsr-3358	135	18	ii	ii	X
fsr-3358	135	19	)	)	PUNCT
fsr-3358	135	20	children	child	NOUN
fsr-3358	135	21	’s	’s	PART
fsr-3358	135	22	education	education	NOUN
fsr-3358	135	23	savings	saving	NOUN
fsr-3358	135	24	;	;	PUNCT
fsr-3358	135	25	and	and	CCONJ
fsr-3358	135	26	(	(	PUNCT
fsr-3358	135	27	iii	iii	X
fsr-3358	135	28	)	)	PUNCT
fsr-3358	135	29	other	other	ADJ
fsr-3358	135	30	savings	saving	NOUN
fsr-3358	135	31	.	.	PUNCT
fsr-3358	136	1	the	the	DET
fsr-3358	136	2	data	datum	NOUN
fsr-3358	136	3	are	be	AUX
fsr-3358	136	4	comprised	comprise	VERB
fsr-3358	136	5	of	of	ADP
fsr-3358	136	6	7,400	7,400	NUM
fsr-3358	136	7	rsp	rsp	NOUN
fsr-3358	136	8	accounts	account	NOUN
fsr-3358	136	9	with	with	ADP
fsr-3358	136	10	associated	associated	ADJ
fsr-3358	136	11	know	know	VERB
fsr-3358	136	12	your	your	PRON
fsr-3358	136	13	client	client	NOUN
fsr-3358	136	14	(	(	PUNCT
fsr-3358	136	15	kyc	kyc	PROPN
fsr-3358	136	16	)	)	PUNCT
fsr-3358	136	17	information	information	NOUN
fsr-3358	136	18	,	,	PUNCT
fsr-3358	136	19	trade	trade	NOUN
fsr-3358	136	20	,	,	PUNCT
fsr-3358	136	21	and	and	CCONJ
fsr-3358	136	22	transaction	transaction	NOUN
fsr-3358	136	23	details	detail	NOUN
fsr-3358	136	24	from	from	ADP
fsr-3358	136	25	2	2	NUM
fsr-3358	136	26	august	august	PROPN
fsr-3358	136	27	2019	2019	NUM
fsr-3358	136	28	to	to	ADP
fsr-3358	136	29	5	5	NUM
fsr-3358	136	30	august	august	PROPN
fsr-3358	136	31	2022	2022	NUM
fsr-3358	136	32	(	(	PUNCT
fsr-3358	136	33	see	see	VERB
fsr-3358	136	34	table	table	NOUN
fsr-3358	136	35	2	2	NUM
fsr-3358	136	36	)	)	PUNCT
fsr-3358	136	37	.	.	PUNCT
fsr-3358	137	1	the	the	DET
fsr-3358	137	2	dealer	dealer	NOUN
fsr-3358	137	3	provides	provide	VERB
fsr-3358	137	4	a	a	DET
fsr-3358	137	5	variety	variety	NOUN
fsr-3358	137	6	of	of	ADP
fsr-3358	137	7	financial	financial	ADJ
fsr-3358	137	8	products	product	NOUN
fsr-3358	137	9	and	and	CCONJ
fsr-3358	137	10	services	service	NOUN
fsr-3358	137	11	designed	design	VERB
fsr-3358	137	12	to	to	PART
fsr-3358	137	13	support	support	VERB
fsr-3358	137	14	independent	independent	ADJ
fsr-3358	137	15	advisors	advisor	NOUN
fsr-3358	137	16	.	.	PUNCT
fsr-3358	138	1	furthermore	furthermore	ADV
fsr-3358	138	2	,	,	PUNCT
fsr-3358	138	3	the	the	DET
fsr-3358	138	4	dealer	dealer	NOUN
fsr-3358	138	5	’s	’s	PART
fsr-3358	138	6	focus	focus	NOUN
fsr-3358	138	7	is	be	AUX
fsr-3358	138	8	to	to	PART
fsr-3358	138	9	provide	provide	VERB
fsr-3358	138	10	positive	positive	ADJ
fsr-3358	138	11	outcomes	outcome	NOUN
fsr-3358	138	12	to	to	ADP
fsr-3358	138	13	clients	client	NOUN
fsr-3358	138	14	and	and	CCONJ
fsr-3358	138	15	advisors	advisor	NOUN
fsr-3358	138	16	,	,	PUNCT
fsr-3358	138	17	and	and	CCONJ
fsr-3358	138	18	not	not	PART
fsr-3358	138	19	to	to	PART
fsr-3358	138	20	push	push	VERB
fsr-3358	138	21	certain	certain	ADJ
fsr-3358	138	22	financial	financial	ADJ
fsr-3358	138	23	products	product	NOUN
fsr-3358	138	24	.	.	PUNCT
fsr-3358	139	1	dataset	dataset	NOUN
fsr-3358	139	2	1	1	NUM
fsr-3358	139	3	investors	investor	NOUN
fsr-3358	139	4	work	work	VERB
fsr-3358	139	5	with	with	ADP
fsr-3358	139	6	a	a	DET
fsr-3358	139	7	registered	register	VERB
fsr-3358	139	8	investment	investment	NOUN
fsr-3358	139	9	representative	representative	NOUN
fsr-3358	139	10	or	or	CCONJ
fsr-3358	139	11	financial	financial	ADJ
fsr-3358	139	12	advisor	advisor	NOUN
fsr-3358	139	13	.	.	PUNCT
fsr-3358	140	1	more	more	ADV
fsr-3358	140	2	specifically	specifically	ADV
fsr-3358	140	3	,	,	PUNCT
fsr-3358	140	4	the	the	DET
fsr-3358	140	5	advisors	advisor	NOUN
fsr-3358	140	6	work	work	VERB
fsr-3358	140	7	under	under	ADP
fsr-3358	140	8	an	an	DET
fsr-3358	140	9	investment	investment	NOUN
fsr-3358	140	10	dealer	dealer	NOUN
fsr-3358	140	11	governed	govern	VERB
fsr-3358	140	12	by	by	ADP
fsr-3358	140	13	the	the	DET
fsr-3358	140	14	investment	investment	NOUN
fsr-3358	140	15	industry	industry	NOUN
fsr-3358	140	16	regulatory	regulatory	ADJ
fsr-3358	140	17	organization	organization	NOUN
fsr-3358	140	18	of	of	ADP
fsr-3358	140	19	canada	canada	PROPN
fsr-3358	140	20	-30	-30	CCONJ
fsr-3358	140	21	%	%	NOUN
fsr-3358	140	22	-20	-20	NUM
fsr-3358	140	23	%	%	NOUN
fsr-3358	140	24	-10	-10	NUM
fsr-3358	140	25	%	%	NOUN
fsr-3358	140	26	0	0	NUM
fsr-3358	140	27	%	%	NOUN
fsr-3358	140	28	10	10	NUM
fsr-3358	140	29	%	%	NOUN
fsr-3358	140	30	20	20	NUM
fsr-3358	140	31	%	%	NOUN
fsr-3358	140	32	30	30	NUM
fsr-3358	140	33	%	%	NOUN
fsr-3358	140	34	-$40,000	-$40,000	NOUN
fsr-3358	140	35	-$20,000	-$20,000	INTJ
fsr-3358	140	36	$	$	SYM
fsr-3358	140	37	0	0	NUM
fsr-3358	140	38	$	$	SYM
fsr-3358	140	39	20,000	20,000	NUM
fsr-3358	140	40	$	$	SYM
fsr-3358	140	41	40,000	40,000	NUM
fsr-3358	140	42	$	$	SYM
fsr-3358	140	43	60,000	60,000	NUM
fsr-3358	140	44	$	$	SYM
fsr-3358	140	45	80,000	80,000	NUM
fsr-3358	140	46	$	$	SYM
fsr-3358	140	47	100,000	100,000	NUM
fsr-3358	140	48	$	$	SYM
fsr-3358	140	49	120,000	120,000	NUM
fsr-3358	140	50	$	$	SYM
fsr-3358	140	51	140,000	140,000	NUM
fsr-3358	140	52	under	under	ADP
fsr-3358	140	53	35	35	NUM
fsr-3358	140	54	35	35	NUM
fsr-3358	140	55	to	to	ADP
fsr-3358	140	56	44	44	NUM
fsr-3358	140	57	45	45	NUM
fsr-3358	140	58	to	to	PART
fsr-3358	140	59	54	54	NUM
fsr-3358	140	60	55	55	NUM
fsr-3358	140	61	to	to	ADP
fsr-3358	140	62	64	64	NUM
fsr-3358	140	63	65	65	NUM
fsr-3358	140	64	and	and	CCONJ
fsr-3358	140	65	over	over	ADP
fsr-3358	140	66	cdn	cdn	NOUN
fsr-3358	140	67	household	household	NOUN
fsr-3358	140	68	income	income	NOUN
fsr-3358	140	69	and	and	CCONJ
fsr-3358	140	70	saving	save	VERB
fsr-3358	140	71	(	(	PUNCT
fsr-3358	140	72	2018	2018	NUM
fsr-3358	140	73	-	-	SYM
fsr-3358	140	74	22	22	NUM
fsr-3358	140	75	)	)	PUNCT
fsr-3358	140	76	income	income	NOUN
fsr-3358	140	77	savings	saving	NOUN
fsr-3358	140	78	saving	saving	NOUN
fsr-3358	140	79	rate	rate	NOUN
fsr-3358	140	80	https://doi.org/10.25318/3610011201-eng	https://doi.org/10.25318/3610011201-eng	X
fsr-3358	140	81	grace	grace	NOUN
fsr-3358	140	82	et	et	PROPN
fsr-3358	140	83	al	al	PROPN
fsr-3358	140	84	.	.	PROPN
fsr-3358	140	85	9	9	NUM
fsr-3358	140	86	(	(	PUNCT
fsr-3358	140	87	iiroc	iiroc	NOUN
fsr-3358	140	88	)	)	PUNCT
fsr-3358	140	89	13	13	NUM
fsr-3358	140	90	.	.	PUNCT
fsr-3358	141	1	under	under	ADP
fsr-3358	141	2	the	the	DET
fsr-3358	141	3	iiroc	iiroc	ADJ
fsr-3358	141	4	regime	regime	NOUN
fsr-3358	141	5	,	,	PUNCT
fsr-3358	141	6	advisors	advisor	NOUN
fsr-3358	141	7	provide	provide	VERB
fsr-3358	141	8	a	a	DET
fsr-3358	141	9	broad	broad	ADJ
fsr-3358	141	10	range	range	NOUN
fsr-3358	141	11	of	of	ADP
fsr-3358	141	12	services	service	NOUN
fsr-3358	141	13	and	and	CCONJ
fsr-3358	141	14	can	can	AUX
fsr-3358	141	15	recommend	recommend	VERB
fsr-3358	141	16	investment	investment	NOUN
fsr-3358	141	17	solutions	solution	NOUN
fsr-3358	141	18	from	from	ADP
fsr-3358	141	19	thousands	thousand	NOUN
fsr-3358	141	20	of	of	ADP
fsr-3358	141	21	investment	investment	NOUN
fsr-3358	141	22	choices14	choices14	NOUN
fsr-3358	141	23	.	.	PUNCT
fsr-3358	142	1	investment	investment	NOUN
fsr-3358	142	2	dealers	dealer	NOUN
fsr-3358	142	3	are	be	AUX
fsr-3358	142	4	obligated	obligate	VERB
fsr-3358	142	5	to	to	PART
fsr-3358	142	6	assess	assess	VERB
fsr-3358	142	7	their	their	PRON
fsr-3358	142	8	client	client	NOUN
fsr-3358	142	9	’s	’s	PART
fsr-3358	142	10	risk	risk	NOUN
fsr-3358	142	11	tolerance	tolerance	NOUN
fsr-3358	142	12	when	when	SCONJ
fsr-3358	142	13	onboarding	onboarde	VERB
fsr-3358	142	14	.	.	PUNCT
fsr-3358	143	1	the	the	DET
fsr-3358	143	2	assessments	assessment	NOUN
fsr-3358	143	3	generally	generally	ADV
fsr-3358	143	4	take	take	VERB
fsr-3358	143	5	the	the	DET
fsr-3358	143	6	form	form	NOUN
fsr-3358	143	7	of	of	ADP
fsr-3358	143	8	questionnaire	questionnaire	NOUN
fsr-3358	143	9	that	that	PRON
fsr-3358	143	10	gathers	gather	VERB
fsr-3358	143	11	information	information	NOUN
fsr-3358	143	12	on	on	ADP
fsr-3358	143	13	the	the	DET
fsr-3358	143	14	client	client	NOUN
fsr-3358	143	15	(	(	PUNCT
fsr-3358	143	16	know	know	VERB
fsr-3358	143	17	your	your	PRON
fsr-3358	143	18	client	client	NOUN
fsr-3358	143	19	or	or	CCONJ
fsr-3358	143	20	kyc	kyc	PROPN
fsr-3358	143	21	)	)	PUNCT
fsr-3358	143	22	and	and	CCONJ
fsr-3358	143	23	scores	score	VERB
fsr-3358	143	24	the	the	DET
fsr-3358	143	25	risk	risk	NOUN
fsr-3358	143	26	tolerance	tolerance	NOUN
fsr-3358	143	27	.	.	PUNCT
fsr-3358	144	1	an	an	DET
fsr-3358	144	2	effective	effective	ADJ
fsr-3358	144	3	kyc	kyc	PROPN
fsr-3358	144	4	protocol	protocol	NOUN
fsr-3358	144	5	collects	collect	VERB
fsr-3358	144	6	two	two	NUM
fsr-3358	144	7	types	type	NOUN
fsr-3358	144	8	of	of	ADP
fsr-3358	144	9	information	information	NOUN
fsr-3358	144	10	:	:	PUNCT
fsr-3358	144	11	(	(	PUNCT
fsr-3358	144	12	1	1	X
fsr-3358	144	13	)	)	PUNCT
fsr-3358	144	14	objective	objective	ADJ
fsr-3358	144	15	demographic	demographic	ADJ
fsr-3358	144	16	data	datum	NOUN
fsr-3358	144	17	(	(	PUNCT
fsr-3358	144	18	e.g.	e.g.	ADV
fsr-3358	144	19	,	,	PUNCT
fsr-3358	144	20	identity	identity	NOUN
fsr-3358	144	21	)	)	PUNCT
fsr-3358	144	22	,	,	PUNCT
fsr-3358	144	23	and	and	CCONJ
fsr-3358	144	24	(	(	PUNCT
fsr-3358	144	25	2	2	X
fsr-3358	144	26	)	)	PUNCT
fsr-3358	144	27	subjective	subjective	ADJ
fsr-3358	144	28	information	information	NOUN
fsr-3358	144	29	on	on	ADP
fsr-3358	144	30	the	the	DET
fsr-3358	144	31	client	client	NOUN
fsr-3358	144	32	’s	’s	PART
fsr-3358	144	33	investment	investment	NOUN
fsr-3358	144	34	needs	need	NOUN
fsr-3358	144	35	,	,	PUNCT
fsr-3358	144	36	financial	financial	ADJ
fsr-3358	144	37	objectives	objective	NOUN
fsr-3358	144	38	,	,	PUNCT
fsr-3358	144	39	investment	investment	NOUN
fsr-3358	144	40	knowledge	knowledge	NOUN
fsr-3358	144	41	,	,	PUNCT
fsr-3358	144	42	appetite	appetite	NOUN
fsr-3358	144	43	for	for	ADP
fsr-3358	144	44	risk	risk	NOUN
fsr-3358	144	45	and	and	CCONJ
fsr-3358	144	46	other	other	ADJ
fsr-3358	144	47	financial	financial	ADJ
fsr-3358	144	48	circumstances	circumstance	NOUN
fsr-3358	144	49	.	.	PUNCT
fsr-3358	145	1	in	in	ADP
fsr-3358	145	2	previous	previous	ADJ
fsr-3358	145	3	research	research	NOUN
fsr-3358	145	4	,	,	PUNCT
fsr-3358	145	5	researchers	researcher	NOUN
fsr-3358	145	6	(	(	PUNCT
fsr-3358	145	7	e.g.	e.g.	ADV
fsr-3358	145	8	,	,	PUNCT
fsr-3358	145	9	thompson	thompson	PROPN
fsr-3358	145	10	et	et	PROPN
fsr-3358	145	11	al	al	PROPN
fsr-3358	145	12	.	.	PROPN
fsr-3358	145	13	,	,	PUNCT
fsr-3358	145	14	2021	2021	NUM
fsr-3358	145	15	)	)	PUNCT
fsr-3358	145	16	noted	note	VERB
fsr-3358	145	17	that	that	SCONJ
fsr-3358	145	18	advisors	advisor	NOUN
fsr-3358	145	19	are	be	AUX
fsr-3358	145	20	diligent	diligent	ADJ
fsr-3358	145	21	at	at	ADP
fsr-3358	145	22	ensuring	ensure	VERB
fsr-3358	145	23	recommended	recommend	VERB
fsr-3358	145	24	portfolios	portfolio	NOUN
fsr-3358	145	25	match	match	VERB
fsr-3358	145	26	the	the	DET
fsr-3358	145	27	client	client	NOUN
fsr-3358	145	28	’s	’s	PART
fsr-3358	145	29	stated	state	VERB
fsr-3358	145	30	risk	risk	NOUN
fsr-3358	145	31	tolerance	tolerance	NOUN
fsr-3358	145	32	.	.	PUNCT
fsr-3358	146	1	this	this	DET
fsr-3358	146	2	determination	determination	NOUN
fsr-3358	146	3	allowed	allow	VERB
fsr-3358	146	4	us	we	PRON
fsr-3358	146	5	to	to	PART
fsr-3358	146	6	control	control	VERB
fsr-3358	146	7	for	for	ADP
fsr-3358	146	8	risk	risk	NOUN
fsr-3358	146	9	tolerance	tolerance	NOUN
fsr-3358	146	10	in	in	ADP
fsr-3358	146	11	our	our	PRON
fsr-3358	146	12	analysis	analysis	NOUN
fsr-3358	146	13	.	.	PUNCT
fsr-3358	147	1	dataset	dataset	NOUN
fsr-3358	147	2	2	2	NUM
fsr-3358	147	3	was	be	AUX
fsr-3358	147	4	provided	provide	VERB
fsr-3358	147	5	by	by	ADP
fsr-3358	147	6	a	a	DET
fsr-3358	147	7	registered	register	VERB
fsr-3358	147	8	investment	investment	NOUN
fsr-3358	147	9	dealer	dealer	NOUN
fsr-3358	147	10	that	that	PRON
fsr-3358	147	11	has	have	AUX
fsr-3358	147	12	provided	provide	VERB
fsr-3358	147	13	investment	investment	NOUN
fsr-3358	147	14	products	product	NOUN
fsr-3358	147	15	to	to	ADP
fsr-3358	147	16	canadian	canadian	ADJ
fsr-3358	147	17	retail	retail	ADJ
fsr-3358	147	18	investors	investor	NOUN
fsr-3358	147	19	for	for	ADP
fsr-3358	147	20	over	over	ADP
fsr-3358	147	21	9	9	NUM
fsr-3358	147	22	years	year	NOUN
fsr-3358	147	23	.	.	PUNCT
fsr-3358	148	1	the	the	DET
fsr-3358	148	2	dealer	dealer	NOUN
fsr-3358	148	3	operates	operate	VERB
fsr-3358	148	4	under	under	ADP
fsr-3358	148	5	what	what	PRON
fsr-3358	148	6	is	be	AUX
fsr-3358	148	7	known	know	VERB
fsr-3358	148	8	as	as	ADP
fsr-3358	148	9	a	a	DET
fsr-3358	148	10	“	"	PUNCT
fsr-3358	148	11	robo	robo	NOUN
fsr-3358	148	12	advisor	advisor	NOUN
fsr-3358	148	13	”	"	PUNCT
fsr-3358	148	14	model	model	NOUN
fsr-3358	148	15	where	where	SCONJ
fsr-3358	148	16	investors	investor	NOUN
fsr-3358	148	17	open	open	VERB
fsr-3358	148	18	and	and	CCONJ
fsr-3358	148	19	trade	trade	VERB
fsr-3358	148	20	on	on	ADP
fsr-3358	148	21	an	an	DET
fsr-3358	148	22	account	account	NOUN
fsr-3358	148	23	online	online	ADV
fsr-3358	148	24	with	with	ADP
fsr-3358	148	25	minimal	minimal	ADJ
fsr-3358	148	26	advice	advice	NOUN
fsr-3358	148	27	or	or	CCONJ
fsr-3358	148	28	service	service	NOUN
fsr-3358	148	29	from	from	ADP
fsr-3358	148	30	the	the	DET
fsr-3358	148	31	dealer	dealer	NOUN
fsr-3358	148	32	.	.	PUNCT
fsr-3358	149	1	the	the	DET
fsr-3358	149	2	dealer	dealer	NOUN
fsr-3358	149	3	has	have	VERB
fsr-3358	149	4	approximately	approximately	ADV
fsr-3358	149	5	12,000	12,000	NUM
fsr-3358	149	6	clients	client	NOUN
fsr-3358	149	7	across	across	ADP
fsr-3358	149	8	canada	canada	PROPN
fsr-3358	149	9	,	,	PUNCT
fsr-3358	149	10	with	with	ADP
fsr-3358	149	11	over	over	ADP
fsr-3358	149	12	$	$	SYM
fsr-3358	149	13	.79	.79	NUM
fsr-3358	149	14	billion	billion	NUM
fsr-3358	149	15	canadian	canadian	ADJ
fsr-3358	149	16	dollars	dollar	NOUN
fsr-3358	149	17	(	(	PUNCT
fsr-3358	149	18	cad	cad	NOUN
fsr-3358	149	19	)	)	PUNCT
fsr-3358	149	20	in	in	ADP
fsr-3358	149	21	assets	asset	NOUN
fsr-3358	149	22	under	under	ADP
fsr-3358	149	23	administration	administration	NOUN
fsr-3358	149	24	.	.	PUNCT
fsr-3358	150	1	clients	client	NOUN
fsr-3358	150	2	typically	typically	ADV
fsr-3358	150	3	have	have	VERB
fsr-3358	150	4	multiple	multiple	ADJ
fsr-3358	150	5	accounts	account	NOUN
fsr-3358	150	6	each	each	PRON
fsr-3358	150	7	with	with	ADP
fsr-3358	150	8	different	different	ADJ
fsr-3358	150	9	purposes	purpose	NOUN
fsr-3358	150	10	.	.	PUNCT
fsr-3358	151	1	for	for	ADP
fsr-3358	151	2	example	example	NOUN
fsr-3358	151	3	,	,	PUNCT
fsr-3358	151	4	a	a	DET
fsr-3358	151	5	client	client	NOUN
fsr-3358	151	6	may	may	AUX
fsr-3358	151	7	have	have	VERB
fsr-3358	151	8	accounts	account	NOUN
fsr-3358	151	9	for	for	ADP
fsr-3358	151	10	:	:	PUNCT
fsr-3358	151	11	(	(	PUNCT
fsr-3358	151	12	i	i	NOUN
fsr-3358	151	13	)	)	PUNCT
fsr-3358	151	14	retirement	retirement	NOUN
fsr-3358	151	15	savings	saving	NOUN
fsr-3358	151	16	;	;	PUNCT
fsr-3358	151	17	(	(	PUNCT
fsr-3358	151	18	ii	ii	X
fsr-3358	151	19	)	)	PUNCT
fsr-3358	151	20	children	child	NOUN
fsr-3358	151	21	’s	’s	PART
fsr-3358	151	22	education	education	NOUN
fsr-3358	151	23	savings	saving	NOUN
fsr-3358	151	24	;	;	PUNCT
fsr-3358	151	25	and	and	CCONJ
fsr-3358	151	26	(	(	PUNCT
fsr-3358	151	27	iii	iii	X
fsr-3358	151	28	)	)	PUNCT
fsr-3358	151	29	other	other	ADJ
fsr-3358	151	30	savings	saving	NOUN
fsr-3358	151	31	.	.	PUNCT
fsr-3358	152	1	the	the	DET
fsr-3358	152	2	data	datum	NOUN
fsr-3358	152	3	are	be	AUX
fsr-3358	152	4	comprised	comprise	VERB
fsr-3358	152	5	of	of	ADP
fsr-3358	152	6	477	477	NUM
fsr-3358	152	7	rsp	rsp	NOUN
fsr-3358	152	8	accounts	account	NOUN
fsr-3358	152	9	with	with	ADP
fsr-3358	152	10	associated	associated	ADJ
fsr-3358	152	11	kyc	kyc	PROPN
fsr-3358	152	12	information	information	NOUN
fsr-3358	152	13	,	,	PUNCT
fsr-3358	152	14	trade	trade	NOUN
fsr-3358	152	15	,	,	PUNCT
fsr-3358	152	16	and	and	CCONJ
fsr-3358	152	17	transaction	transaction	NOUN
fsr-3358	152	18	details	detail	NOUN
fsr-3358	152	19	from	from	ADP
fsr-3358	152	20	2	2	NUM
fsr-3358	152	21	august	august	PROPN
fsr-3358	152	22	2019	2019	NUM
fsr-3358	152	23	to	to	ADP
fsr-3358	152	24	5	5	NUM
fsr-3358	152	25	august	august	PROPN
fsr-3358	152	26	2022	2022	NUM
fsr-3358	152	27	.	.	PUNCT
fsr-3358	153	1	dataset	dataset	NOUN
fsr-3358	153	2	2	2	NUM
fsr-3358	153	3	represented	represent	VERB
fsr-3358	153	4	younger	young	ADJ
fsr-3358	153	5	investors	investor	NOUN
fsr-3358	153	6	with	with	ADP
fsr-3358	153	7	significantly	significantly	ADV
fsr-3358	153	8	smaller	small	ADJ
fsr-3358	153	9	opening	opening	NOUN
fsr-3358	153	10	portfolio	portfolio	NOUN
fsr-3358	153	11	balances	balance	NOUN
fsr-3358	153	12	.	.	PUNCT
fsr-3358	154	1	both	both	DET
fsr-3358	154	2	originating	originate	VERB
fsr-3358	154	3	datasets	dataset	NOUN
fsr-3358	154	4	were	be	AUX
fsr-3358	154	5	edited	edit	VERB
fsr-3358	154	6	by	by	ADP
fsr-3358	154	7	the	the	DET
fsr-3358	154	8	data	data	NOUN
fsr-3358	154	9	donors	donor	NOUN
fsr-3358	154	10	prior	prior	ADV
fsr-3358	154	11	to	to	ADP
fsr-3358	154	12	our	our	PRON
fsr-3358	154	13	receipt	receipt	NOUN
fsr-3358	154	14	to	to	PART
fsr-3358	154	15	ensure	ensure	VERB
fsr-3358	154	16	all	all	DET
fsr-3358	154	17	client	client	NOUN
fsr-3358	154	18	identifiers	identifier	NOUN
fsr-3358	154	19	were	be	AUX
fsr-3358	154	20	anonymized	anonymize	VERB
fsr-3358	154	21	consistent	consistent	ADJ
fsr-3358	154	22	with	with	ADP
fsr-3358	154	23	canada	canada	PROPN
fsr-3358	154	24	’s	’s	PART
fsr-3358	154	25	personal	personal	ADJ
fsr-3358	154	26	information	information	NOUN
fsr-3358	154	27	protection	protection	NOUN
fsr-3358	154	28	and	and	CCONJ
fsr-3358	154	29	electronic	electronic	ADJ
fsr-3358	154	30	documents	document	NOUN
fsr-3358	154	31	act	act	NOUN
fsr-3358	154	32	(	(	PUNCT
fsr-3358	154	33	pipeda	pipeda	NOUN
fsr-3358	154	34	)	)	PUNCT
fsr-3358	154	35	and	and	CCONJ
fsr-3358	154	36	standard	standard	ADJ
fsr-3358	154	37	research	research	NOUN
fsr-3358	154	38	ethics	ethic	NOUN
fsr-3358	154	39	protocols	protocol	NOUN
fsr-3358	154	40	.	.	PUNCT
fsr-3358	155	1	even	even	ADV
fsr-3358	155	2	after	after	ADP
fsr-3358	155	3	anonymization	anonymization	NOUN
fsr-3358	155	4	practices	practice	NOUN
fsr-3358	155	5	,	,	PUNCT
fsr-3358	155	6	there	there	PRON
fsr-3358	155	7	is	be	VERB
fsr-3358	155	8	the	the	DET
fsr-3358	155	9	possibility	possibility	NOUN
fsr-3358	155	10	that	that	SCONJ
fsr-3358	155	11	clients	client	NOUN
fsr-3358	155	12	could	could	AUX
fsr-3358	155	13	be	be	AUX
fsr-3358	155	14	identified	identify	VERB
fsr-3358	155	15	using	use	VERB
fsr-3358	155	16	machine	machine	NOUN
fsr-3358	155	17	learning	learn	VERB
fsr-3358	155	18	algorithms	algorithm	NOUN
fsr-3358	155	19	(	(	PUNCT
fsr-3358	155	20	rocher	rocher	PROPN
fsr-3358	155	21	et	et	PROPN
fsr-3358	155	22	al	al	PROPN
fsr-3358	155	23	.	.	PROPN
fsr-3358	155	24	,	,	PUNCT
fsr-3358	155	25	2019	2019	NUM
fsr-3358	155	26	)	)	PUNCT
fsr-3358	155	27	.	.	PUNCT
fsr-3358	156	1	therefore	therefore	ADV
fsr-3358	156	2	,	,	PUNCT
fsr-3358	156	3	no	no	DET
fsr-3358	156	4	individuals	individual	NOUN
fsr-3358	156	5	will	will	AUX
fsr-3358	156	6	be	be	AUX
fsr-3358	156	7	identified	identify	VERB
fsr-3358	156	8	or	or	CCONJ
fsr-3358	156	9	referenced	reference	VERB
fsr-3358	156	10	in	in	ADP
fsr-3358	156	11	this	this	DET
fsr-3358	156	12	paper	paper	NOUN
fsr-3358	156	13	and	and	CCONJ
fsr-3358	156	14	any	any	DET
fsr-3358	156	15	subset	subset	NOUN
fsr-3358	156	16	of	of	ADP
fsr-3358	156	17	the	the	DET
fsr-3358	156	18	data	datum	NOUN
fsr-3358	156	19	can	can	AUX
fsr-3358	156	20	not	not	PART
fsr-3358	156	21	be	be	AUX
fsr-3358	156	22	shared	share	VERB
fsr-3358	156	23	with	with	ADP
fsr-3358	156	24	readers	reader	NOUN
fsr-3358	156	25	.	.	PUNCT
fsr-3358	157	1	machine	machine	NOUN
fsr-3358	157	2	learning	learn	VERB
fsr-3358	157	3	algorithms	algorithm	NOUN
fsr-3358	157	4	in	in	ADP
fsr-3358	157	5	finance	finance	NOUN
fsr-3358	157	6	machine	machine	NOUN
fsr-3358	157	7	learning	learning	NOUN
fsr-3358	157	8	algorithms	algorithm	NOUN
fsr-3358	157	9	have	have	AUX
fsr-3358	157	10	been	be	AUX
fsr-3358	157	11	widely	widely	ADV
fsr-3358	157	12	used	use	VERB
fsr-3358	157	13	in	in	ADP
fsr-3358	157	14	financial	financial	ADJ
fsr-3358	157	15	applications	application	NOUN
fsr-3358	157	16	.	.	PUNCT
fsr-3358	158	1	in	in	ADP
fsr-3358	158	2	this	this	DET
fsr-3358	158	3	paper	paper	NOUN
fsr-3358	158	4	we	we	PRON
fsr-3358	158	5	are	be	AUX
fsr-3358	158	6	particularly	particularly	ADV
fsr-3358	158	7	interested	interested	ADJ
fsr-3358	158	8	in	in	ADP
fsr-3358	158	9	the	the	DET
fsr-3358	158	10	use	use	NOUN
fsr-3358	158	11	of	of	ADP
fsr-3358	158	12	clustering	clustering	ADJ
fsr-3358	158	13	methods	method	NOUN
fsr-3358	158	14	for	for	ADP
fsr-3358	158	15	financial	financial	ADJ
fsr-3358	158	16	trades	trade	NOUN
fsr-3358	158	17	and	and	CCONJ
fsr-3358	158	18	transactions	transaction	NOUN
fsr-3358	158	19	.	.	PUNCT
fsr-3358	159	1	in	in	ADP
fsr-3358	159	2	our	our	PRON
fsr-3358	159	3	study	study	NOUN
fsr-3358	159	4	,	,	PUNCT
fsr-3358	159	5	we	we	PRON
fsr-3358	159	6	deployed	deploy	VERB
fsr-3358	159	7	machine	machine	NOUN
fsr-3358	159	8	learning	learn	VERB
fsr-3358	159	9	to	to	PART
fsr-3358	159	10	uncover	uncover	VERB
fsr-3358	159	11	patterns	pattern	NOUN
fsr-3358	159	12	that	that	PRON
fsr-3358	159	13	are	be	AUX
fsr-3358	159	14	otherwise	otherwise	ADV
fsr-3358	159	15	difficult	difficult	ADJ
fsr-3358	159	16	to	to	PART
fsr-3358	159	17	discern	discern	VERB
fsr-3358	159	18	given	give	VERB
fsr-3358	159	19	the	the	DET
fsr-3358	159	20	complexity	complexity	NOUN
fsr-3358	159	21	of	of	ADP
fsr-3358	159	22	the	the	DET
fsr-3358	159	23	data	datum	NOUN
fsr-3358	159	24	.	.	PUNCT
fsr-3358	160	1	our	our	PRON
fsr-3358	160	2	datasets	dataset	NOUN
fsr-3358	160	3	encompassed	encompass	VERB
fsr-3358	160	4	over	over	ADP
fsr-3358	160	5	200	200	NUM
fsr-3358	160	6	discrete	discrete	ADJ
fsr-3358	160	7	variables	variable	NOUN
fsr-3358	160	8	,	,	PUNCT
fsr-3358	160	9	some	some	PRON
fsr-3358	160	10	of	of	ADP
fsr-3358	160	11	which	which	PRON
fsr-3358	160	12	changed	change	VERB
fsr-3358	160	13	daily	daily	ADV
fsr-3358	160	14	over	over	ADP
fsr-3358	160	15	the	the	DET
fsr-3358	160	16	36	36	NUM
fsr-3358	160	17	months	month	NOUN
fsr-3358	160	18	of	of	ADP
fsr-3358	160	19	observation	observation	NOUN
fsr-3358	160	20	.	.	PUNCT
fsr-3358	161	1	we	we	PRON
fsr-3358	161	2	deployed	deploy	VERB
fsr-3358	161	3	two	two	NUM
fsr-3358	161	4	machine	machine	NOUN
fsr-3358	161	5	learning	learn	VERB
fsr-3358	161	6	techniques	technique	NOUN
fsr-3358	161	7	:	:	PUNCT
fsr-3358	161	8	dynamic	dynamic	ADJ
fsr-3358	161	9	time	time	NOUN
fsr-3358	161	10	warping	warp	VERB
fsr-3358	161	11	and	and	CCONJ
fsr-3358	161	12	k	k	ADJ
fsr-3358	161	13	-	-	PUNCT
fsr-3358	161	14	means	mean	VERB
fsr-3358	161	15	clustering	clustering	NOUN
fsr-3358	161	16	using	use	VERB
fsr-3358	161	17	pycharm	pycharm	NOUN
fsr-3358	161	18	,	,	PUNCT
fsr-3358	161	19	tslearn	tslearn	ADJ
fsr-3358	161	20	and	and	CCONJ
fsr-3358	161	21	dtaidistance	dtaidistance	NOUN
fsr-3358	161	22	in	in	ADP
fsr-3358	161	23	python	python	PROPN
fsr-3358	161	24	.	.	PUNCT
fsr-3358	162	1	our	our	PRON
fsr-3358	162	2	approach	approach	NOUN
fsr-3358	162	3	allowed	allow	VERB
fsr-3358	162	4	us	we	PRON
fsr-3358	162	5	to	to	PART
fsr-3358	162	6	systematically	systematically	ADV
fsr-3358	162	7	organize	organize	VERB
fsr-3358	162	8	portfolios	portfolio	NOUN
fsr-3358	162	9	into	into	ADP
fsr-3358	162	10	clusters	cluster	NOUN
fsr-3358	162	11	that	that	PRON
fsr-3358	162	12	demonstrate	demonstrate	VERB
fsr-3358	162	13	distinct	distinct	ADJ
fsr-3358	162	14	investment	investment	NOUN
fsr-3358	162	15	behaviors	behavior	NOUN
fsr-3358	162	16	.	.	PUNCT
fsr-3358	163	1	the	the	DET
fsr-3358	163	2	figures	figure	NOUN
fsr-3358	163	3	below	below	ADV
fsr-3358	163	4	(	(	PUNCT
fsr-3358	163	5	figures	figure	NOUN
fsr-3358	163	6	4	4	NUM
fsr-3358	163	7	and	and	CCONJ
fsr-3358	163	8	5	5	NUM
fsr-3358	163	9	)	)	PUNCT
fsr-3358	163	10	represent	represent	VERB
fsr-3358	163	11	the	the	DET
fsr-3358	163	12	trajectories	trajectory	NOUN
fsr-3358	163	13	of	of	ADP
fsr-3358	163	14	three	three	NUM
fsr-3358	163	15	distinct	distinct	ADJ
fsr-3358	163	16	client	client	NOUN
fsr-3358	163	17	groups	group	NOUN
fsr-3358	163	18	within	within	ADP
fsr-3358	163	19	each	each	PRON
fsr-3358	163	20	of	of	ADP
fsr-3358	163	21	dataset	dataset	ADJ
fsr-3358	163	22	1	1	NUM
fsr-3358	163	23	and	and	CCONJ
fsr-3358	163	24	dataset	dataset	VERB
fsr-3358	163	25	2	2	NUM
fsr-3358	163	26	.	.	PUNCT
fsr-3358	164	1	this	this	DET
fsr-3358	164	2	visual	visual	ADJ
fsr-3358	164	3	representation	representation	NOUN
fsr-3358	164	4	helped	help	VERB
fsr-3358	164	5	validate	validate	VERB
fsr-3358	164	6	our	our	PRON
fsr-3358	164	7	data	data	NOUN
fsr-3358	164	8	-	-	PUNCT
fsr-3358	164	9	driven	drive	VERB
fsr-3358	164	10	grouping	grouping	NOUN
fsr-3358	164	11	and	and	CCONJ
fsr-3358	164	12	helps	help	VERB
fsr-3358	164	13	to	to	PART
fsr-3358	164	14	highlight	highlight	VERB
fsr-3358	164	15	the	the	DET
fsr-3358	164	16	unique	unique	ADJ
fsr-3358	164	17	trends	trend	NOUN
fsr-3358	164	18	within	within	ADP
fsr-3358	164	19	each	each	DET
fsr-3358	164	20	cluster	cluster	NOUN
fsr-3358	164	21	.	.	PUNCT
fsr-3358	165	1	further	far	ADV
fsr-3358	165	2	detailed	detailed	ADJ
fsr-3358	165	3	explanations	explanation	NOUN
fsr-3358	165	4	of	of	ADP
fsr-3358	165	5	our	our	PRON
fsr-3358	165	6	methodologies	methodology	NOUN
fsr-3358	165	7	are	be	AUX
fsr-3358	165	8	included	include	VERB
fsr-3358	165	9	in	in	ADP
fsr-3358	165	10	appendix	appendix	NOUN
fsr-3358	165	11	4	4	NUM
fsr-3358	165	12	.	.	NOUN
fsr-3358	165	13	13	13	NUM
fsr-3358	165	14	on	on	ADP
fsr-3358	165	15	january	january	PROPN
fsr-3358	165	16	1	1	NUM
fsr-3358	165	17	,	,	PUNCT
fsr-3358	165	18	2023	2023	NUM
fsr-3358	165	19	,	,	PUNCT
fsr-3358	165	20	iiroc	iiroc	NOUN
fsr-3358	165	21	merged	merge	VERB
fsr-3358	165	22	with	with	ADP
fsr-3358	165	23	the	the	DET
fsr-3358	165	24	mutual	mutual	ADJ
fsr-3358	165	25	fund	fund	NOUN
fsr-3358	165	26	dealers	dealer	NOUN
fsr-3358	165	27	association	association	PROPN
fsr-3358	165	28	and	and	CCONJ
fsr-3358	165	29	the	the	DET
fsr-3358	165	30	combined	combined	ADJ
fsr-3358	165	31	regulatory	regulatory	NOUN
fsr-3358	165	32	was	be	AUX
fsr-3358	165	33	renamed	rename	VERB
fsr-3358	165	34	ciro	ciro	PROPN
fsr-3358	165	35	or	or	CCONJ
fsr-3358	165	36	the	the	DET
fsr-3358	165	37	canadian	canadian	ADJ
fsr-3358	165	38	investment	investment	NOUN
fsr-3358	165	39	regulatory	regulatory	NOUN
fsr-3358	165	40	of	of	ADP
fsr-3358	165	41	canada	canada	PROPN
fsr-3358	165	42	.	.	PUNCT
fsr-3358	166	1	14	14	NUM
fsr-3358	166	2	product	product	NOUN
fsr-3358	166	3	choices	choice	NOUN
fsr-3358	166	4	for	for	ADP
fsr-3358	166	5	iiroc	iiroc	ADJ
fsr-3358	166	6	licensed	licensed	ADJ
fsr-3358	166	7	representatives	representative	NOUN
fsr-3358	166	8	can	can	AUX
fsr-3358	166	9	include	include	VERB
fsr-3358	166	10	,	,	PUNCT
fsr-3358	166	11	for	for	ADP
fsr-3358	166	12	example	example	NOUN
fsr-3358	166	13	,	,	PUNCT
fsr-3358	166	14	bonds	bond	NOUN
fsr-3358	166	15	,	,	PUNCT
fsr-3358	166	16	debentures	debenture	NOUN
fsr-3358	166	17	,	,	PUNCT
fsr-3358	166	18	mortgage	mortgage	NOUN
fsr-3358	166	19	-	-	PUNCT
fsr-3358	166	20	backed	back	VERB
fsr-3358	166	21	securities	security	NOUN
fsr-3358	166	22	,	,	PUNCT
fsr-3358	166	23	stocks	stock	NOUN
fsr-3358	166	24	,	,	PUNCT
fsr-3358	166	25	warrants	warrant	NOUN
fsr-3358	166	26	,	,	PUNCT
fsr-3358	166	27	options	option	NOUN
fsr-3358	166	28	,	,	PUNCT
fsr-3358	166	29	futures	future	NOUN
fsr-3358	166	30	,	,	PUNCT
fsr-3358	166	31	mutual	mutual	ADJ
fsr-3358	166	32	funds	fund	NOUN
fsr-3358	166	33	,	,	PUNCT
fsr-3358	166	34	exchange	exchange	NOUN
fsr-3358	166	35	traded	trade	VERB
fsr-3358	166	36	funds	fund	NOUN
fsr-3358	166	37	,	,	PUNCT
fsr-3358	166	38	labour	labour	NOUN
fsr-3358	166	39	sponsored	sponsor	VERB
fsr-3358	166	40	funds	fund	NOUN
fsr-3358	166	41	,	,	PUNCT
fsr-3358	166	42	commodities	commodity	NOUN
fsr-3358	166	43	,	,	PUNCT
fsr-3358	166	44	trusts	trust	NOUN
fsr-3358	166	45	,	,	PUNCT
fsr-3358	166	46	and	and	CCONJ
fsr-3358	166	47	hedge	hedge	NOUN
fsr-3358	166	48	funds	fund	NOUN
fsr-3358	166	49	.	.	PUNCT
fsr-3358	167	1	financial	financial	ADJ
fsr-3358	167	2	services	service	NOUN
fsr-3358	167	3	review	review	PROPN
fsr-3358	167	4	,	,	PUNCT
fsr-3358	167	5	32(2	32(2	NUM
fsr-3358	167	6	)	)	PUNCT
fsr-3358	167	7	10	10	NUM
fsr-3358	167	8	figure	figure	NOUN
fsr-3358	167	9	4	4	NUM
fsr-3358	167	10	.	.	PUNCT
fsr-3358	167	11	dataset	dataset	VERB
fsr-3358	167	12	1	1	NUM
fsr-3358	167	13	cluster	cluster	NOUN
fsr-3358	167	14	visual	visual	NOUN
fsr-3358	167	15	,	,	PUNCT
fsr-3358	167	16	portfolio	portfolio	NOUN
fsr-3358	167	17	values	value	NOUN
fsr-3358	167	18	scaled	scale	VERB
fsr-3358	167	19	to	to	ADP
fsr-3358	167	20	1.0	1.0	NUM
fsr-3358	167	21	,	,	PUNCT
fsr-3358	167	22	aug	aug	PROPN
fsr-3358	167	23	2019	2019	NUM
fsr-3358	167	24	to	to	ADP
fsr-3358	167	25	aug	aug	PROPN
fsr-3358	167	26	2022	2022	NUM
fsr-3358	167	27	figure	figure	NOUN
fsr-3358	167	28	5	5	NUM
fsr-3358	167	29	.	.	PUNCT
fsr-3358	168	1	dataset	dataset	VERB
fsr-3358	168	2	2	2	NUM
fsr-3358	168	3	cluster	cluster	NOUN
fsr-3358	168	4	visual	visual	NOUN
fsr-3358	168	5	,	,	PUNCT
fsr-3358	168	6	portfolio	portfolio	NOUN
fsr-3358	168	7	values	value	NOUN
fsr-3358	168	8	scaled	scale	VERB
fsr-3358	168	9	to	to	ADP
fsr-3358	168	10	1.0	1.0	NUM
fsr-3358	168	11	,	,	PUNCT
fsr-3358	168	12	aug	aug	PROPN
fsr-3358	168	13	2019	2019	NUM
fsr-3358	168	14	to	to	ADP
fsr-3358	168	15	aug	aug	PROPN
fsr-3358	168	16	2022	2022	NUM
fsr-3358	168	17	variables	variable	NOUN
fsr-3358	168	18	variables	variable	NOUN
fsr-3358	168	19	or	or	CCONJ
fsr-3358	168	20	features	feature	NOUN
fsr-3358	168	21	covered	cover	VERB
fsr-3358	168	22	a	a	DET
fsr-3358	168	23	broad	broad	ADJ
fsr-3358	168	24	range	range	NOUN
fsr-3358	168	25	of	of	ADP
fsr-3358	168	26	data	datum	NOUN
fsr-3358	168	27	elements	element	NOUN
fsr-3358	168	28	but	but	CCONJ
fsr-3358	168	29	can	can	AUX
fsr-3358	168	30	be	be	AUX
fsr-3358	168	31	summarized	summarize	VERB
fsr-3358	168	32	as	as	ADP
fsr-3358	168	33	demographic	demographic	ADJ
fsr-3358	168	34	,	,	PUNCT
fsr-3358	168	35	behavioural	behavioural	ADJ
fsr-3358	168	36	,	,	PUNCT
fsr-3358	168	37	financial	financial	ADJ
fsr-3358	168	38	,	,	PUNCT
fsr-3358	168	39	and	and	CCONJ
fsr-3358	168	40	engineered	engineer	VERB
fsr-3358	168	41	.	.	PUNCT
fsr-3358	169	1	in	in	ADP
fsr-3358	169	2	our	our	PRON
fsr-3358	169	3	clustering	clustering	NOUN
fsr-3358	169	4	,	,	PUNCT
fsr-3358	169	5	we	we	PRON
fsr-3358	169	6	focused	focus	VERB
fsr-3358	169	7	on	on	ADP
fsr-3358	169	8	74	74	NUM
fsr-3358	169	9	discrete	discrete	ADJ
fsr-3358	169	10	data	datum	NOUN
fsr-3358	169	11	elements	element	NOUN
fsr-3358	169	12	and	and	CCONJ
fsr-3358	169	13	several	several	ADJ
fsr-3358	169	14	derived	derive	VERB
fsr-3358	169	15	ratios	ratio	NOUN
fsr-3358	169	16	or	or	CCONJ
fsr-3358	169	17	engineered	engineer	VERB
fsr-3358	169	18	features	feature	NOUN
fsr-3358	169	19	as	as	SCONJ
fsr-3358	169	20	described	describe	VERB
fsr-3358	169	21	in	in	ADP
fsr-3358	169	22	appendix	appendix	NOUN
fsr-3358	169	23	4	4	NUM
fsr-3358	169	24	and	and	CCONJ
fsr-3358	169	25	summarized	summarize	VERB
fsr-3358	169	26	in	in	ADP
fsr-3358	169	27	table	table	NOUN
fsr-3358	169	28	2	2	NUM
fsr-3358	169	29	.	.	PUNCT
fsr-3358	169	30	results	result	VERB
fsr-3358	169	31	our	our	PRON
fsr-3358	169	32	clustering	clustering	NOUN
fsr-3358	169	33	identified	identify	VERB
fsr-3358	169	34	three	three	NUM
fsr-3358	169	35	unique	unique	ADJ
fsr-3358	169	36	groups	group	NOUN
fsr-3358	169	37	per	per	ADP
fsr-3358	169	38	dataset	dataset	NOUN
fsr-3358	169	39	(	(	PUNCT
fsr-3358	169	40	table	table	NOUN
fsr-3358	169	41	1	1	NUM
fsr-3358	169	42	)	)	PUNCT
fsr-3358	169	43	.	.	PUNCT
fsr-3358	170	1	within	within	ADP
fsr-3358	170	2	each	each	DET
fsr-3358	170	3	dataset	dataset	NOUN
fsr-3358	170	4	,	,	PUNCT
fsr-3358	170	5	the	the	DET
fsr-3358	170	6	clusters	cluster	NOUN
fsr-3358	170	7	were	be	AUX
fsr-3358	170	8	very	very	ADV
fsr-3358	170	9	similar	similar	ADJ
fsr-3358	170	10	in	in	ADP
fsr-3358	170	11	terms	term	NOUN
fsr-3358	170	12	of	of	ADP
fsr-3358	170	13	kyc	kyc	PROPN
fsr-3358	170	14	data	data	PROPN
fsr-3358	170	15	(	(	PUNCT
fsr-3358	170	16	age	age	NOUN
fsr-3358	170	17	,	,	PUNCT
fsr-3358	170	18	income	income	NOUN
fsr-3358	170	19	,	,	PUNCT
fsr-3358	170	20	gender	gender	NOUN
fsr-3358	170	21	,	,	PUNCT
fsr-3358	170	22	risk	risk	NOUN
fsr-3358	170	23	tolerance	tolerance	NOUN
fsr-3358	170	24	etc	etc	X
fsr-3358	170	25	.	.	PUNCT
fsr-3358	171	1	but	but	CCONJ
fsr-3358	171	2	the	the	DET
fsr-3358	171	3	clusters	cluster	NOUN
fsr-3358	171	4	were	be	AUX
fsr-3358	171	5	differentiated	differentiate	VERB
fsr-3358	171	6	by	by	ADP
fsr-3358	171	7	their	their	PRON
fsr-3358	171	8	saving	save	VERB
fsr-3358	171	9	behaviour	behaviour	NOUN
fsr-3358	171	10	(	(	PUNCT
fsr-3358	171	11	table	table	NOUN
fsr-3358	171	12	4	4	NUM
fsr-3358	171	13	)	)	PUNCT
fsr-3358	171	14	.	.	PUNCT
fsr-3358	172	1	in	in	ADP
fsr-3358	172	2	particular	particular	ADJ
fsr-3358	172	3	,	,	PUNCT
fsr-3358	172	4	the	the	DET
fsr-3358	172	5	clustering	clustering	NOUN
fsr-3358	172	6	was	be	AUX
fsr-3358	172	7	driven	drive	VERB
fsr-3358	172	8	by	by	ADP
fsr-3358	172	9	four	four	NUM
fsr-3358	172	10	dominant	dominant	ADJ
fsr-3358	172	11	features	feature	NOUN
fsr-3358	172	12	.	.	PUNCT
fsr-3358	173	1	1	1	X
fsr-3358	173	2	.	.	X
fsr-3358	173	3	net	net	ADJ
fsr-3358	173	4	contributions	contribution	NOUN
fsr-3358	173	5	,	,	PUNCT
fsr-3358	173	6	grace	grace	NOUN
fsr-3358	173	7	et	et	PROPN
fsr-3358	173	8	al	al	PROPN
fsr-3358	173	9	.	.	PROPN
fsr-3358	173	10	11	11	NUM
fsr-3358	173	11	2	2	NUM
fsr-3358	173	12	.	.	PUNCT
fsr-3358	173	13	net	net	ADJ
fsr-3358	173	14	contributions	contribution	NOUN
fsr-3358	173	15	as	as	ADP
fsr-3358	173	16	a	a	DET
fsr-3358	173	17	%	%	NOUN
fsr-3358	173	18	of	of	ADP
fsr-3358	173	19	opening	opening	NOUN
fsr-3358	173	20	balance	balance	NOUN
fsr-3358	173	21	,	,	PUNCT
fsr-3358	173	22	3	3	X
fsr-3358	173	23	.	.	PUNCT
fsr-3358	173	24	net	net	ADJ
fsr-3358	173	25	contributions	contribution	NOUN
fsr-3358	173	26	as	as	ADP
fsr-3358	173	27	a	a	DET
fsr-3358	173	28	%	%	NOUN
fsr-3358	173	29	of	of	ADP
fsr-3358	173	30	income	income	NOUN
fsr-3358	173	31	and	and	CCONJ
fsr-3358	173	32	4	4	NUM
fsr-3358	173	33	.	.	NOUN
fsr-3358	173	34	contribution	contribution	NOUN
fsr-3358	173	35	frequency	frequency	NOUN
fsr-3358	173	36	.	.	PUNCT
fsr-3358	174	1	median	median	ADJ
fsr-3358	174	2	net	net	ADJ
fsr-3358	174	3	contribution	contribution	NOUN
fsr-3358	174	4	rates	rate	NOUN
fsr-3358	174	5	(	(	PUNCT
fsr-3358	174	6	cr	cr	NOUN
fsr-3358	174	7	)	)	PUNCT
fsr-3358	174	8	ranged	range	VERB
fsr-3358	174	9	from	from	ADP
fsr-3358	174	10	a	a	DET
fsr-3358	174	11	low	low	NOUN
fsr-3358	174	12	of	of	ADP
fsr-3358	174	13	-59	-59	NOUN
fsr-3358	174	14	%	%	NOUN
fsr-3358	174	15	to	to	ADP
fsr-3358	174	16	a	a	DET
fsr-3358	174	17	high	high	NOUN
fsr-3358	174	18	of	of	ADP
fsr-3358	174	19	235	235	NUM
fsr-3358	174	20	%	%	NOUN
fsr-3358	174	21	,	,	PUNCT
fsr-3358	174	22	compared	compare	VERB
fsr-3358	174	23	to	to	ADP
fsr-3358	174	24	their	their	PRON
fsr-3358	174	25	opening	opening	NOUN
fsr-3358	174	26	balance	balance	NOUN
fsr-3358	174	27	.	.	PUNCT
fsr-3358	175	1	our	our	PRON
fsr-3358	175	2	analysis	analysis	NOUN
fsr-3358	175	3	demonstrated	demonstrate	VERB
fsr-3358	175	4	that	that	SCONJ
fsr-3358	175	5	an	an	DET
fsr-3358	175	6	active	active	ADJ
fsr-3358	175	7	savings	saving	NOUN
fsr-3358	175	8	strategy	strategy	NOUN
fsr-3358	175	9	was	be	AUX
fsr-3358	175	10	the	the	DET
fsr-3358	175	11	most	most	ADV
fsr-3358	175	12	effective	effective	ADJ
fsr-3358	175	13	strategy	strategy	NOUN
fsr-3358	175	14	for	for	ADP
fsr-3358	175	15	building	build	VERB
fsr-3358	175	16	wealth	wealth	NOUN
fsr-3358	175	17	(	(	PUNCT
fsr-3358	175	18	utility	utility	NOUN
fsr-3358	175	19	)	)	PUNCT
fsr-3358	175	20	over	over	ADP
fsr-3358	175	21	the	the	DET
fsr-3358	175	22	period	period	NOUN
fsr-3358	175	23	examined	examine	VERB
fsr-3358	175	24	.	.	PUNCT
fsr-3358	176	1	an	an	DET
fsr-3358	176	2	active	active	ADJ
fsr-3358	176	3	savings	saving	NOUN
fsr-3358	176	4	strategy	strategy	NOUN
fsr-3358	176	5	was	be	AUX
fsr-3358	176	6	,	,	PUNCT
fsr-3358	176	7	on	on	ADP
fsr-3358	176	8	average	average	ADJ
fsr-3358	176	9	,	,	PUNCT
fsr-3358	176	10	5x	5x	NOUN
fsr-3358	176	11	more	more	ADV
fsr-3358	176	12	powerful	powerful	ADJ
fsr-3358	176	13	at	at	ADP
fsr-3358	176	14	building	build	VERB
fsr-3358	176	15	wealth	wealth	NOUN
fsr-3358	176	16	than	than	ADP
fsr-3358	176	17	relying	rely	VERB
fsr-3358	176	18	on	on	ADP
fsr-3358	176	19	investment	investment	NOUN
fsr-3358	176	20	returns	return	NOUN
fsr-3358	176	21	(	(	PUNCT
fsr-3358	176	22	see	see	VERB
fsr-3358	176	23	table	table	NOUN
fsr-3358	176	24	3	3	NUM
fsr-3358	176	25	,	,	PUNCT
fsr-3358	176	26	appendix	appendix	VERB
fsr-3358	176	27	5	5	NUM
fsr-3358	176	28	and	and	CCONJ
fsr-3358	176	29	appendix	appendix	NOUN
fsr-3358	176	30	6	6	NUM
fsr-3358	176	31	)	)	PUNCT
fsr-3358	176	32	.	.	PUNCT
fsr-3358	177	1	table	table	NOUN
fsr-3358	178	1	3	3	NUM
fsr-3358	178	2	.	.	PUNCT
fsr-3358	178	3	portfolio	portfolio	NOUN
fsr-3358	178	4	growth	growth	NOUN
fsr-3358	178	5	attribution15	attribution15	VERB
fsr-3358	178	6	,	,	PUNCT
fsr-3358	178	7	internal	internal	ADJ
fsr-3358	178	8	rates	rate	NOUN
fsr-3358	178	9	of	of	ADP
fsr-3358	178	10	returns	return	NOUN
fsr-3358	178	11	(	(	PUNCT
fsr-3358	178	12	irr	irr	NOUN
fsr-3358	178	13	)	)	PUNCT
fsr-3358	178	14	versus	versus	ADP
fsr-3358	178	15	contribution	contribution	NOUN
fsr-3358	178	16	rates	rate	NOUN
fsr-3358	178	17	(	(	PUNCT
fsr-3358	178	18	cr	cr	NOUN
fsr-3358	178	19	)	)	PUNCT
fsr-3358	178	20	,	,	PUNCT
fsr-3358	178	21	by	by	ADP
fsr-3358	178	22	cluster	cluster	NOUN
fsr-3358	178	23	irr	irr	NOUN
fsr-3358	178	24	(	(	PUNCT
fsr-3358	178	25	annualized)16	annualized)16	NOUN
fsr-3358	178	26	cr	cr	PROPN
fsr-3358	178	27	(	(	PUNCT
fsr-3358	178	28	annualized	annualize	VERB
fsr-3358	178	29	)	)	PUNCT
fsr-3358	178	30	overall	overall	ADJ
fsr-3358	178	31	growth	growth	NOUN
fsr-3358	178	32	(	(	PUNCT
fsr-3358	178	33	closing	close	VERB
fsr-3358	178	34	balance	balance	NOUN
fsr-3358	178	35	/	/	SYM
fsr-3358	178	36	opening	open	VERB
fsr-3358	178	37	balance	balance	NOUN
fsr-3358	178	38	)	)	PUNCT
fsr-3358	178	39	dataset	dataset	VERB
fsr-3358	178	40	1	1	NUM
fsr-3358	178	41	,	,	PUNCT
fsr-3358	178	42	cluster	cluster	NOUN
fsr-3358	178	43	1	1	NUM
fsr-3358	178	44	0.7	0.7	NUM
fsr-3358	178	45	%	%	NOUN
fsr-3358	178	46	-11.9	-11.9	NOUN
fsr-3358	178	47	%	%	NOUN
fsr-3358	179	1	-11.6	-11.6	NUM
fsr-3358	179	2	%	%	NOUN
fsr-3358	179	3	dataset	dataset	NOUN
fsr-3358	179	4	1	1	NUM
fsr-3358	179	5	,	,	PUNCT
fsr-3358	179	6	cluster	cluster	NOUN
fsr-3358	179	7	2	2	NUM
fsr-3358	179	8	2.3	2.3	NUM
fsr-3358	179	9	%	%	NOUN
fsr-3358	179	10	5.3	5.3	NUM
fsr-3358	179	11	%	%	NOUN
fsr-3358	179	12	14.5	14.5	NUM
fsr-3358	179	13	%	%	NOUN
fsr-3358	179	14	dataset	dataset	NOUN
fsr-3358	179	15	1	1	NUM
fsr-3358	179	16	,	,	PUNCT
fsr-3358	179	17	cluster	cluster	NOUN
fsr-3358	179	18	3	3	NUM
fsr-3358	179	19	2.6	2.6	NUM
fsr-3358	179	20	%	%	NOUN
fsr-3358	179	21	28.9	28.9	NUM
fsr-3358	179	22	%	%	NOUN
fsr-3358	179	23	51.6	51.6	NUM
fsr-3358	179	24	%	%	NOUN
fsr-3358	179	25	dataset	dataset	NOUN
fsr-3358	179	26	2	2	NUM
fsr-3358	179	27	,	,	PUNCT
fsr-3358	179	28	cluster	cluster	NOUN
fsr-3358	179	29	4	4	NUM
fsr-3358	179	30	1.1	1.1	NUM
fsr-3358	179	31	%	%	NOUN
fsr-3358	179	32	-121.2	-121.2	ADJ
fsr-3358	179	33	%	%	NOUN
fsr-3358	179	34	-50.5	-50.5	NUM
fsr-3358	179	35	%	%	NOUN
fsr-3358	179	36	dataset	dataset	NOUN
fsr-3358	179	37	2	2	NUM
fsr-3358	179	38	,	,	PUNCT
fsr-3358	179	39	cluster	cluster	NOUN
fsr-3358	179	40	5	5	NUM
fsr-3358	179	41	2.5	2.5	NUM
fsr-3358	179	42	%	%	NOUN
fsr-3358	179	43	3.3	3.3	NUM
fsr-3358	179	44	%	%	NOUN
fsr-3358	179	45	15.8	15.8	NUM
fsr-3358	179	46	%	%	NOUN
fsr-3358	179	47	dataset	dataset	NOUN
fsr-3358	179	48	2	2	NUM
fsr-3358	179	49	,	,	PUNCT
fsr-3358	179	50	cluster	cluster	NOUN
fsr-3358	179	51	6	6	NUM
fsr-3358	179	52	1.7	1.7	NUM
fsr-3358	179	53	%	%	NOUN
fsr-3358	179	54	58.8	58.8	NUM
fsr-3358	179	55	%	%	NOUN
fsr-3358	179	56	158.7	158.7	NUM
fsr-3358	179	57	%	%	NOUN
fsr-3358	179	58	the	the	DET
fsr-3358	179	59	six	six	NUM
fsr-3358	179	60	clusters	cluster	NOUN
fsr-3358	179	61	experienced	experience	VERB
fsr-3358	179	62	dramatically	dramatically	ADV
fsr-3358	179	63	different	different	ADJ
fsr-3358	179	64	outcomes	outcome	NOUN
fsr-3358	179	65	with	with	ADP
fsr-3358	179	66	respect	respect	NOUN
fsr-3358	179	67	to	to	ADP
fsr-3358	179	68	wealth	wealth	NOUN
fsr-3358	179	69	accumulation	accumulation	NOUN
fsr-3358	179	70	.	.	PUNCT
fsr-3358	180	1	in	in	ADP
fsr-3358	180	2	dataset	dataset	NOUN
fsr-3358	180	3	1	1	NUM
fsr-3358	180	4	,	,	PUNCT
fsr-3358	180	5	cluster	cluster	NOUN
fsr-3358	180	6	1	1	NUM
fsr-3358	180	7	had	have	VERB
fsr-3358	180	8	(	(	PUNCT
fsr-3358	180	9	on	on	ADP
fsr-3358	180	10	average	average	ADJ
fsr-3358	180	11	)	)	PUNCT
fsr-3358	180	12	a	a	DET
fsr-3358	180	13	12	12	NUM
fsr-3358	180	14	%	%	NOUN
fsr-3358	180	15	decrease	decrease	NOUN
fsr-3358	180	16	in	in	ADP
fsr-3358	180	17	wealth	wealth	NOUN
fsr-3358	180	18	over	over	ADP
fsr-3358	180	19	the	the	DET
fsr-3358	180	20	period	period	NOUN
fsr-3358	180	21	while	while	SCONJ
fsr-3358	180	22	cluster	cluster	NOUN
fsr-3358	180	23	2	2	NUM
fsr-3358	180	24	had	have	VERB
fsr-3358	180	25	a	a	DET
fsr-3358	180	26	15	15	NUM
fsr-3358	180	27	%	%	NOUN
fsr-3358	180	28	increase	increase	NOUN
fsr-3358	180	29	and	and	CCONJ
fsr-3358	180	30	cluster	cluster	VERB
fsr-3358	180	31	3	3	NUM
fsr-3358	180	32	a	a	DET
fsr-3358	180	33	52	52	NUM
fsr-3358	180	34	%	%	NOUN
fsr-3358	180	35	increase	increase	NOUN
fsr-3358	180	36	.	.	PUNCT
fsr-3358	181	1	in	in	ADP
fsr-3358	181	2	dataset	dataset	NOUN
fsr-3358	181	3	2	2	NUM
fsr-3358	181	4	,	,	PUNCT
fsr-3358	181	5	cluster	cluster	NOUN
fsr-3358	181	6	1	1	NUM
fsr-3358	181	7	had	have	VERB
fsr-3358	181	8	(	(	PUNCT
fsr-3358	181	9	on	on	ADP
fsr-3358	181	10	average	average	ADJ
fsr-3358	181	11	)	)	PUNCT
fsr-3358	181	12	a	a	DET
fsr-3358	181	13	51	51	NUM
fsr-3358	181	14	%	%	NOUN
fsr-3358	181	15	decrease	decrease	NOUN
fsr-3358	181	16	in	in	ADP
fsr-3358	181	17	wealth	wealth	NOUN
fsr-3358	181	18	over	over	ADP
fsr-3358	181	19	the	the	DET
fsr-3358	181	20	period	period	NOUN
fsr-3358	181	21	while	while	SCONJ
fsr-3358	181	22	cluster	cluster	NOUN
fsr-3358	181	23	2	2	NUM
fsr-3358	181	24	had	have	VERB
fsr-3358	181	25	a	a	DET
fsr-3358	181	26	16	16	NUM
fsr-3358	181	27	%	%	NOUN
fsr-3358	181	28	increase	increase	NOUN
fsr-3358	181	29	and	and	CCONJ
fsr-3358	181	30	cluster	cluster	VERB
fsr-3358	181	31	3	3	NUM
fsr-3358	181	32	a	a	DET
fsr-3358	181	33	159	159	NUM
fsr-3358	181	34	%	%	NOUN
fsr-3358	181	35	increase	increase	NOUN
fsr-3358	181	36	.	.	PUNCT
fsr-3358	182	1	clusters	cluster	NOUN
fsr-3358	182	2	3	3	NUM
fsr-3358	182	3	and	and	CCONJ
fsr-3358	182	4	6	6	NUM
fsr-3358	182	5	demonstrated	demonstrate	VERB
fsr-3358	182	6	savings	saving	NOUN
fsr-3358	182	7	patterns	pattern	NOUN
fsr-3358	182	8	that	that	PRON
fsr-3358	182	9	could	could	AUX
fsr-3358	182	10	be	be	AUX
fsr-3358	182	11	considered	consider	VERB
fsr-3358	182	12	consistent	consistent	ADJ
fsr-3358	182	13	with	with	ADP
fsr-3358	182	14	the	the	DET
fsr-3358	182	15	life	life	NOUN
fsr-3358	182	16	cycle	cycle	NOUN
fsr-3358	182	17	model	model	NOUN
fsr-3358	182	18	predictions	prediction	NOUN
fsr-3358	182	19	for	for	ADP
fsr-3358	182	20	this	this	DET
fsr-3358	182	21	stage	stage	NOUN
fsr-3358	182	22	in	in	ADP
fsr-3358	182	23	their	their	PRON
fsr-3358	182	24	lives	life	NOUN
fsr-3358	182	25	.	.	PUNCT
fsr-3358	183	1	i.e.	i.e.	X
fsr-3358	183	2	cr	cr	PROPN
fsr-3358	183	3	was	be	AUX
fsr-3358	183	4	high	high	ADJ
fsr-3358	183	5	and	and	CCONJ
fsr-3358	183	6	consistent	consistent	ADJ
fsr-3358	183	7	with	with	ADP
fsr-3358	183	8	their	their	PRON
fsr-3358	183	9	peak	peak	NOUN
fsr-3358	183	10	income	income	NOUN
fsr-3358	183	11	years	year	NOUN
fsr-3358	183	12	.	.	PUNCT
fsr-3358	184	1	however	however	ADV
fsr-3358	184	2	,	,	PUNCT
fsr-3358	184	3	clusters	cluster	NOUN
fsr-3358	184	4	1	1	NUM
fsr-3358	184	5	,	,	PUNCT
fsr-3358	184	6	2	2	NUM
fsr-3358	184	7	,	,	PUNCT
fsr-3358	184	8	4	4	NUM
fsr-3358	184	9	and	and	CCONJ
fsr-3358	184	10	5	5	NUM
fsr-3358	184	11	exhibited	exhibit	VERB
fsr-3358	184	12	patterns	pattern	NOUN
fsr-3358	184	13	that	that	PRON
fsr-3358	184	14	were	be	AUX
fsr-3358	184	15	inconsistent	inconsistent	ADJ
fsr-3358	184	16	with	with	ADP
fsr-3358	184	17	the	the	DET
fsr-3358	184	18	life	life	NOUN
fsr-3358	184	19	cycle	cycle	NOUN
fsr-3358	184	20	model	model	NOUN
fsr-3358	184	21	.	.	PUNCT
fsr-3358	185	1	this	this	DET
fsr-3358	185	2	observation	observation	NOUN
fsr-3358	185	3	is	be	AUX
fsr-3358	185	4	important	important	ADJ
fsr-3358	185	5	because	because	SCONJ
fsr-3358	185	6	56	56	NUM
fsr-3358	185	7	%	%	NOUN
fsr-3358	185	8	of	of	ADP
fsr-3358	185	9	the	the	DET
fsr-3358	185	10	investors	investor	NOUN
fsr-3358	185	11	observed	observe	VERB
fsr-3358	185	12	in	in	ADP
fsr-3358	185	13	this	this	DET
fsr-3358	185	14	study	study	NOUN
fsr-3358	185	15	were	be	AUX
fsr-3358	185	16	from	from	ADP
fsr-3358	185	17	those	those	DET
fsr-3358	185	18	four	four	NUM
fsr-3358	185	19	clusters	cluster	NOUN
fsr-3358	185	20	.	.	PUNCT
fsr-3358	186	1	i.e.	i.e.	X
fsr-3358	186	2	a	a	DET
fsr-3358	186	3	majority	majority	NOUN
fsr-3358	186	4	of	of	ADP
fsr-3358	186	5	investors	investor	NOUN
fsr-3358	186	6	do	do	AUX
fsr-3358	186	7	not	not	PART
fsr-3358	186	8	appear	appear	VERB
fsr-3358	186	9	to	to	PART
fsr-3358	186	10	be	be	AUX
fsr-3358	186	11	optimizing	optimize	VERB
fsr-3358	186	12	their	their	PRON
fsr-3358	186	13	savings	saving	NOUN
fsr-3358	186	14	rates	rate	NOUN
fsr-3358	186	15	during	during	ADP
fsr-3358	186	16	their	their	PRON
fsr-3358	186	17	peak	peak	NOUN
fsr-3358	186	18	income	income	NOUN
fsr-3358	186	19	years	year	NOUN
fsr-3358	186	20	perhaps	perhaps	ADV
fsr-3358	186	21	contributing	contribute	VERB
fsr-3358	186	22	to	to	ADP
fsr-3358	186	23	the	the	DET
fsr-3358	186	24	noted	note	VERB
fsr-3358	186	25	erosion	erosion	NOUN
fsr-3358	186	26	in	in	ADP
fsr-3358	186	27	national	national	ADJ
fsr-3358	186	28	savings	saving	NOUN
fsr-3358	186	29	rates	rate	NOUN
fsr-3358	186	30	.	.	PUNCT
fsr-3358	187	1	it	it	PRON
fsr-3358	187	2	is	be	AUX
fsr-3358	187	3	worth	worth	ADJ
fsr-3358	187	4	noting	note	VERB
fsr-3358	187	5	that	that	SCONJ
fsr-3358	187	6	in	in	ADP
fsr-3358	187	7	canada	canada	PROPN
fsr-3358	187	8	,	,	PUNCT
fsr-3358	187	9	withdrawals	withdrawal	VERB
fsr-3358	187	10	from	from	ADP
fsr-3358	187	11	an	an	DET
fsr-3358	187	12	rsp	rsp	NOUN
fsr-3358	187	13	before	before	ADP
fsr-3358	187	14	retirement	retirement	NOUN
fsr-3358	187	15	are	be	AUX
fsr-3358	187	16	subject	subject	ADJ
fsr-3358	187	17	to	to	ADP
fsr-3358	187	18	onerous	onerous	ADJ
fsr-3358	187	19	tax	tax	NOUN
fsr-3358	187	20	implications	implication	NOUN
fsr-3358	187	21	.	.	PUNCT
fsr-3358	188	1	the	the	DET
fsr-3358	188	2	negative	negative	ADJ
fsr-3358	188	3	savings	saving	NOUN
fsr-3358	188	4	exhibited	exhibit	VERB
fsr-3358	188	5	in	in	ADP
fsr-3358	188	6	clusters	cluster	NOUN
fsr-3358	188	7	1	1	NUM
fsr-3358	188	8	and	and	CCONJ
fsr-3358	188	9	4	4	NUM
fsr-3358	188	10	may	may	AUX
fsr-3358	188	11	therefore	therefore	ADV
fsr-3358	188	12	suggest	suggest	VERB
fsr-3358	188	13	that	that	SCONJ
fsr-3358	188	14	these	these	DET
fsr-3358	188	15	investors	investor	NOUN
fsr-3358	188	16	were	be	AUX
fsr-3358	188	17	under	under	ADP
fsr-3358	188	18	unusual	unusual	ADJ
fsr-3358	188	19	financial	financial	ADJ
fsr-3358	188	20	stress	stress	NOUN
fsr-3358	188	21	over	over	ADP
fsr-3358	188	22	this	this	DET
fsr-3358	188	23	period	period	NOUN
fsr-3358	188	24	.	.	PUNCT
fsr-3358	189	1	we	we	PRON
fsr-3358	189	2	found	find	VERB
fsr-3358	189	3	little	little	ADJ
fsr-3358	189	4	evidence	evidence	NOUN
fsr-3358	189	5	to	to	PART
fsr-3358	189	6	suggest	suggest	VERB
fsr-3358	189	7	active	active	ADJ
fsr-3358	189	8	trading	trading	NOUN
fsr-3358	189	9	(	(	PUNCT
fsr-3358	189	10	portfolio	portfolio	NOUN
fsr-3358	189	11	churn	churn	NOUN
fsr-3358	189	12	)	)	PUNCT
fsr-3358	189	13	resulted	result	VERB
fsr-3358	189	14	in	in	ADP
fsr-3358	189	15	superior	superior	ADJ
fsr-3358	189	16	returns	return	NOUN
fsr-3358	189	17	(	(	PUNCT
fsr-3358	189	18	neither	neither	CCONJ
fsr-3358	189	19	for	for	ADP
fsr-3358	189	20	the	the	DET
fsr-3358	189	21	advised	advise	VERB
fsr-3358	189	22	or	or	CCONJ
fsr-3358	189	23	the	the	DET
fsr-3358	189	24	diy	diy	NOUN
fsr-3358	189	25	investors	investor	NOUN
fsr-3358	189	26	)	)	PUNCT
fsr-3358	189	27	or	or	CCONJ
fsr-3358	189	28	unusual	unusual	ADJ
fsr-3358	189	29	growth	growth	NOUN
fsr-3358	189	30	in	in	ADP
fsr-3358	189	31	wealth	wealth	NOUN
fsr-3358	189	32	.	.	PUNCT
fsr-3358	190	1	demographic	demographic	ADJ
fsr-3358	190	2	features	feature	NOUN
fsr-3358	190	3	,	,	PUNCT
fsr-3358	190	4	risk	risk	NOUN
fsr-3358	190	5	tolerance	tolerance	NOUN
fsr-3358	190	6	,	,	PUNCT
fsr-3358	190	7	trading	trading	NOUN
fsr-3358	190	8	strategies	strategy	NOUN
fsr-3358	190	9	,	,	PUNCT
fsr-3358	190	10	portfolio	portfolio	NOUN
fsr-3358	190	11	mix	mix	NOUN
fsr-3358	190	12	,	,	PUNCT
fsr-3358	190	13	and	and	CCONJ
fsr-3358	190	14	behaviour	behaviour	NOUN
fsr-3358	190	15	features	feature	VERB
fsr-3358	190	16	15	15	NUM
fsr-3358	190	17	anova	anova	X
fsr-3358	190	18	testing	testing	NOUN
fsr-3358	190	19	of	of	ADP
fsr-3358	190	20	the	the	DET
fsr-3358	190	21	irr	irr	NOUN
fsr-3358	190	22	and	and	CCONJ
fsr-3358	190	23	cr	cr	PROPN
fsr-3358	190	24	calculation	calculation	NOUN
fsr-3358	190	25	yielded	yield	VERB
fsr-3358	190	26	f	f	NUM
fsr-3358	190	27	-	-	PUNCT
fsr-3358	190	28	stat	stat	NOUN
fsr-3358	190	29	values	value	NOUN
fsr-3358	190	30	of	of	ADP
fsr-3358	190	31	109.6	109.6	NUM
fsr-3358	190	32	and	and	CCONJ
fsr-3358	190	33	393.709	393.709	NUM
fsr-3358	190	34	respectively	respectively	ADV
fsr-3358	190	35	and	and	CCONJ
fsr-3358	190	36	p	p	NOUN
fsr-3358	190	37	-	-	PUNCT
fsr-3358	190	38	values	value	NOUN
fsr-3358	190	39	of	of	ADP
fsr-3358	190	40	0.000	0.000	NUM
fsr-3358	190	41	indicating	indicate	VERB
fsr-3358	190	42	significant	significant	ADJ
fsr-3358	190	43	differences	difference	NOUN
fsr-3358	190	44	in	in	ADP
fsr-3358	190	45	the	the	DET
fsr-3358	190	46	average	average	ADJ
fsr-3358	190	47	value	value	NOUN
fsr-3358	190	48	of	of	ADP
fsr-3358	190	49	the	the	DET
fsr-3358	190	50	clusters	cluster	NOUN
fsr-3358	190	51	.	.	PUNCT
fsr-3358	191	1	16	16	NUM
fsr-3358	191	2	by	by	ADP
fsr-3358	191	3	way	way	NOUN
fsr-3358	191	4	of	of	ADP
fsr-3358	191	5	comparison	comparison	NOUN
fsr-3358	191	6	,	,	PUNCT
fsr-3358	191	7	over	over	ADP
fsr-3358	191	8	the	the	DET
fsr-3358	191	9	period	period	NOUN
fsr-3358	191	10	examined	examine	VERB
fsr-3358	191	11	,	,	PUNCT
fsr-3358	191	12	canadian	canadian	ADJ
fsr-3358	191	13	equity	equity	NOUN
fsr-3358	191	14	markets	market	NOUN
fsr-3358	191	15	were	be	AUX
fsr-3358	191	16	up	up	ADV
fsr-3358	191	17	5.7	5.7	NUM
fsr-3358	191	18	%	%	NOUN
fsr-3358	191	19	and	and	CCONJ
fsr-3358	191	20	canadian	canadian	ADJ
fsr-3358	191	21	bond	bond	NOUN
fsr-3358	191	22	markets	market	NOUN
fsr-3358	191	23	were	be	AUX
fsr-3358	191	24	down	down	ADV
fsr-3358	191	25	4.2	4.2	NUM
fsr-3358	191	26	%	%	NOUN
fsr-3358	191	27	.	.	PUNCT
fsr-3358	192	1	a	a	DET
fsr-3358	192	2	balanced	balanced	ADJ
fsr-3358	192	3	portfolio	portfolio	NOUN
fsr-3358	192	4	(	(	PUNCT
fsr-3358	192	5	60eq/40fi	60eq/40fi	NOUN
fsr-3358	192	6	)	)	PUNCT
fsr-3358	192	7	portfolio	portfolio	NOUN
fsr-3358	192	8	would	would	AUX
fsr-3358	192	9	have	have	AUX
fsr-3358	192	10	had	have	VERB
fsr-3358	192	11	a	a	DET
fsr-3358	192	12	return	return	NOUN
fsr-3358	192	13	of	of	ADP
fsr-3358	192	14	approximately	approximately	ADV
fsr-3358	192	15	3.0	3.0	NUM
fsr-3358	192	16	%	%	NOUN
fsr-3358	192	17	.	.	PUNCT
fsr-3358	193	1	(	(	PUNCT
fsr-3358	193	2	see	see	VERB
fsr-3358	193	3	appendix	appendix	ADJ
fsr-3358	193	4	1	1	NUM
fsr-3358	193	5	)	)	PUNCT
fsr-3358	193	6	financial	financial	ADJ
fsr-3358	193	7	services	service	NOUN
fsr-3358	193	8	review	review	NOUN
fsr-3358	193	9	,	,	PUNCT
fsr-3358	193	10	32(2	32(2	NUM
fsr-3358	193	11	)	)	PUNCT
fsr-3358	193	12	12	12	NUM
fsr-3358	193	13	had	have	VERB
fsr-3358	193	14	minor	minor	ADJ
fsr-3358	193	15	to	to	ADP
fsr-3358	193	16	insignificant	insignificant	ADJ
fsr-3358	193	17	roles	role	NOUN
fsr-3358	193	18	in	in	ADP
fsr-3358	193	19	driving	drive	VERB
fsr-3358	193	20	the	the	DET
fsr-3358	193	21	clustering	clustering	NOUN
fsr-3358	193	22	.	.	PUNCT
fsr-3358	194	1	we	we	PRON
fsr-3358	194	2	noted	note	VERB
fsr-3358	194	3	that	that	SCONJ
fsr-3358	194	4	saving	saving	NOUN
fsr-3358	194	5	is	be	AUX
fsr-3358	194	6	a	a	DET
fsr-3358	194	7	universal	universal	ADJ
fsr-3358	194	8	strategy	strategy	NOUN
fsr-3358	194	9	the	the	DET
fsr-3358	194	10	results	result	NOUN
fsr-3358	194	11	were	be	AUX
fsr-3358	194	12	the	the	DET
fsr-3358	194	13	same	same	ADJ
fsr-3358	194	14	regardless	regardless	ADV
fsr-3358	194	15	of	of	ADP
fsr-3358	194	16	age	age	NOUN
fsr-3358	194	17	groups	group	NOUN
fsr-3358	194	18	,	,	PUNCT
fsr-3358	194	19	genders	gender	NOUN
fsr-3358	194	20	,	,	PUNCT
fsr-3358	194	21	risk	risk	NOUN
fsr-3358	194	22	tolerances	tolerance	NOUN
fsr-3358	194	23	and	and	CCONJ
fsr-3358	194	24	income	income	NOUN
fsr-3358	194	25	levels	level	NOUN
fsr-3358	194	26	.	.	PUNCT
fsr-3358	195	1	table	table	NOUN
fsr-3358	195	2	4	4	NUM
fsr-3358	195	3	.	.	PUNCT
fsr-3358	196	1	median	median	ADJ
fsr-3358	196	2	points	point	NOUN
fsr-3358	196	3	for	for	ADP
fsr-3358	196	4	select	select	ADJ
fsr-3358	196	5	features	feature	NOUN
fsr-3358	196	6	by	by	ADP
fsr-3358	196	7	cluster	cluster	NOUN
fsr-3358	196	8	all	all	DET
fsr-3358	196	9	six	six	NUM
fsr-3358	196	10	clusters	cluster	NOUN
fsr-3358	196	11	had	have	VERB
fsr-3358	196	12	investment	investment	NOUN
fsr-3358	196	13	returns	return	NOUN
fsr-3358	196	14	that	that	PRON
fsr-3358	196	15	were	be	AUX
fsr-3358	196	16	consistent	consistent	ADJ
fsr-3358	196	17	with	with	ADP
fsr-3358	196	18	their	their	PRON
fsr-3358	196	19	risk	risk	NOUN
fsr-3358	196	20	tolerance	tolerance	NOUN
fsr-3358	196	21	and	and	CCONJ
fsr-3358	196	22	the	the	DET
fsr-3358	196	23	general	general	ADJ
fsr-3358	196	24	market	market	NOUN
fsr-3358	196	25	conditions	condition	NOUN
fsr-3358	196	26	at	at	ADP
fsr-3358	196	27	the	the	DET
fsr-3358	196	28	time	time	NOUN
fsr-3358	196	29	(	(	PUNCT
fsr-3358	196	30	see	see	VERB
fsr-3358	196	31	appendix	appendix	NOUN
fsr-3358	196	32	1	1	NUM
fsr-3358	196	33	)	)	PUNCT
fsr-3358	196	34	.	.	PUNCT
fsr-3358	197	1	median	median	PROPN
fsr-3358	197	2	irrs	irrs	NOUN
fsr-3358	197	3	ranged	range	VERB
fsr-3358	197	4	from	from	ADP
fsr-3358	197	5	a	a	DET
fsr-3358	197	6	low	low	NOUN
fsr-3358	197	7	of	of	ADP
fsr-3358	197	8	0.7	0.7	NUM
fsr-3358	197	9	%	%	NOUN
fsr-3358	197	10	to	to	ADP
fsr-3358	197	11	a	a	DET
fsr-3358	197	12	high	high	NOUN
fsr-3358	197	13	of	of	ADP
fsr-3358	197	14	2.6	2.6	NUM
fsr-3358	197	15	%	%	NOUN
fsr-3358	197	16	.	.	PUNCT
fsr-3358	198	1	by	by	ADP
fsr-3358	198	2	way	way	NOUN
fsr-3358	198	3	of	of	ADP
fsr-3358	198	4	comparison	comparison	NOUN
fsr-3358	198	5	,	,	PUNCT
fsr-3358	198	6	over	over	ADP
fsr-3358	198	7	the	the	DET
fsr-3358	198	8	same	same	ADJ
fsr-3358	198	9	period	period	NOUN
fsr-3358	198	10	,	,	PUNCT
fsr-3358	198	11	medium	medium	ADJ
fsr-3358	198	12	term	term	NOUN
fsr-3358	198	13	canadian	canadian	ADJ
fsr-3358	198	14	government	government	NOUN
fsr-3358	198	15	bonds	bond	NOUN
fsr-3358	198	16	had	have	VERB
fsr-3358	198	17	a	a	DET
fsr-3358	198	18	return	return	NOUN
fsr-3358	198	19	of	of	ADP
fsr-3358	198	20	approximately	approximately	ADV
fsr-3358	198	21	-4.2	-4.2	NUM
fsr-3358	198	22	%	%	NOUN
fsr-3358	198	23	,	,	PUNCT
fsr-3358	198	24	canadian	canadian	ADJ
fsr-3358	198	25	equities	equity	NOUN
fsr-3358	198	26	5.7	5.7	NUM
fsr-3358	198	27	%	%	NOUN
fsr-3358	198	28	and	and	CCONJ
fsr-3358	198	29	u.s	u.s	PROPN
fsr-3358	198	30	.	.	PROPN
fsr-3358	198	31	equities	equity	NOUN
fsr-3358	198	32	10.8	10.8	NUM
fsr-3358	198	33	%	%	NOUN
fsr-3358	198	34	.	.	PUNCT
fsr-3358	199	1	a	a	DET
fsr-3358	199	2	balanced	balanced	ADJ
fsr-3358	199	3	portfolio	portfolio	NOUN
fsr-3358	199	4	(	(	PUNCT
fsr-3358	199	5	60	60	NUM
fsr-3358	199	6	%	%	NOUN
fsr-3358	199	7	fixed	fix	VERB
fsr-3358	199	8	income	income	NOUN
fsr-3358	199	9	,	,	PUNCT
fsr-3358	199	10	40	40	NUM
fsr-3358	199	11	%	%	NOUN
fsr-3358	199	12	equities	equity	NOUN
fsr-3358	199	13	)	)	PUNCT
fsr-3358	199	14	would	would	AUX
fsr-3358	199	15	have	have	AUX
fsr-3358	199	16	had	have	VERB
fsr-3358	199	17	a	a	DET
fsr-3358	199	18	return	return	NOUN
fsr-3358	199	19	of	of	ADP
fsr-3358	199	20	approximately	approximately	ADV
fsr-3358	199	21	3.0	3.0	NUM
fsr-3358	199	22	%	%	NOUN
fsr-3358	199	23	before	before	ADP
fsr-3358	199	24	fees	fee	NOUN
fsr-3358	199	25	.	.	PUNCT
fsr-3358	200	1	we	we	PRON
fsr-3358	200	2	found	find	VERB
fsr-3358	200	3	no	no	DET
fsr-3358	200	4	evidence	evidence	NOUN
fsr-3358	200	5	of	of	ADP
fsr-3358	200	6	investment	investment	NOUN
fsr-3358	200	7	returns	return	NOUN
fsr-3358	200	8	driving	drive	VERB
fsr-3358	200	9	significant	significant	ADJ
fsr-3358	200	10	wealth	wealth	NOUN
fsr-3358	200	11	accumulation	accumulation	NOUN
fsr-3358	200	12	.	.	PUNCT
fsr-3358	201	1	instead	instead	ADV
fsr-3358	201	2	returns	return	NOUN
fsr-3358	201	3	followed	follow	VERB
fsr-3358	201	4	a	a	DET
fsr-3358	201	5	normal	normal	ADJ
fsr-3358	201	6	distribution	distribution	NOUN
fsr-3358	201	7	curve	curve	NOUN
fsr-3358	201	8	with	with	ADP
fsr-3358	201	9	random	random	ADJ
fsr-3358	201	10	deviations	deviation	NOUN
fsr-3358	201	11	from	from	ADP
fsr-3358	201	12	the	the	DET
fsr-3358	201	13	mean	mean	NOUN
fsr-3358	201	14	(	(	PUNCT
fsr-3358	201	15	see	see	VERB
fsr-3358	201	16	appendix	appendix	NOUN
fsr-3358	201	17	6	6	NUM
fsr-3358	201	18	for	for	ADP
fsr-3358	201	19	a	a	DET
fsr-3358	201	20	description	description	NOUN
fsr-3358	201	21	of	of	ADP
fsr-3358	201	22	our	our	PRON
fsr-3358	201	23	investment	investment	NOUN
fsr-3358	201	24	return	return	NOUN
fsr-3358	201	25	methodology	methodology	NOUN
fsr-3358	201	26	)	)	PUNCT
fsr-3358	201	27	.	.	PUNCT
fsr-3358	202	1	figure	figure	VERB
fsr-3358	202	2	6	6	NUM
fsr-3358	202	3	.	.	PUNCT
fsr-3358	203	1	dataset	dataset	NOUN
fsr-3358	203	2	1	1	NUM
fsr-3358	203	3	—	—	PUNCT
fsr-3358	203	4	change	change	NOUN
fsr-3358	203	5	in	in	ADP
fsr-3358	203	6	wealth	wealth	NOUN
fsr-3358	203	7	over	over	ADP
fsr-3358	203	8	time	time	NOUN
fsr-3358	203	9	(	(	PUNCT
fsr-3358	203	10	normalized	normalize	VERB
fsr-3358	203	11	to	to	ADP
fsr-3358	203	12	$	$	SYM
fsr-3358	203	13	1	1	NUM
fsr-3358	203	14	on	on	ADP
fsr-3358	203	15	day	day	NOUN
fsr-3358	203	16	1	1	NUM
fsr-3358	203	17	)	)	PUNCT
fsr-3358	203	18	note	note	NOUN
fsr-3358	203	19	.	.	PUNCT
fsr-3358	204	1	canada	canada	PROPN
fsr-3358	204	2	emergency	emergency	PROPN
fsr-3358	204	3	response	response	PROPN
fsr-3358	204	4	benefit	benefit	NOUN
fsr-3358	204	5	(	(	PUNCT
fsr-3358	204	6	cerb	cerb	NOUN
fsr-3358	204	7	)	)	PUNCT
fsr-3358	204	8	payments	payment	NOUN
fsr-3358	204	9	began	begin	VERB
fsr-3358	204	10	in	in	ADP
fsr-3358	204	11	march	march	PROPN
fsr-3358	204	12	2020	2020	NUM
fsr-3358	204	13	and	and	CCONJ
fsr-3358	204	14	ended	end	VERB
fsr-3358	204	15	in	in	ADP
fsr-3358	204	16	may	may	PROPN
fsr-3358	204	17	2022	2022	NUM
fsr-3358	204	18	.	.	PUNCT
fsr-3358	205	1	grace	grace	NOUN
fsr-3358	205	2	et	et	PROPN
fsr-3358	205	3	al	al	PROPN
fsr-3358	205	4	.	.	PROPN
fsr-3358	205	5	13	13	NUM
fsr-3358	205	6	figure	figure	NOUN
fsr-3358	205	7	7	7	NUM
fsr-3358	205	8	.	.	PUNCT
fsr-3358	205	9	dataset	dataset	NOUN
fsr-3358	205	10	2	2	NUM
fsr-3358	205	11	—	—	PUNCT
fsr-3358	205	12	change	change	NOUN
fsr-3358	205	13	in	in	ADP
fsr-3358	205	14	wealth	wealth	NOUN
fsr-3358	205	15	over	over	ADP
fsr-3358	205	16	time	time	NOUN
fsr-3358	205	17	(	(	PUNCT
fsr-3358	205	18	normalized	normalize	VERB
fsr-3358	205	19	to	to	ADP
fsr-3358	205	20	$	$	SYM
fsr-3358	205	21	1	1	NUM
fsr-3358	205	22	on	on	ADP
fsr-3358	205	23	day	day	NOUN
fsr-3358	205	24	1	1	NUM
fsr-3358	205	25	)	)	PUNCT
fsr-3358	205	26	in	in	ADP
fsr-3358	205	27	figures	figure	NOUN
fsr-3358	205	28	6	6	NUM
fsr-3358	205	29	and	and	CCONJ
fsr-3358	205	30	7	7	NUM
fsr-3358	205	31	above	above	ADV
fsr-3358	205	32	,	,	PUNCT
fsr-3358	205	33	it	it	PRON
fsr-3358	205	34	should	should	AUX
fsr-3358	205	35	be	be	AUX
fsr-3358	205	36	noted	note	VERB
fsr-3358	205	37	that	that	SCONJ
fsr-3358	205	38	there	there	PRON
fsr-3358	205	39	is	be	VERB
fsr-3358	205	40	no	no	DET
fsr-3358	205	41	overlap	overlap	NOUN
fsr-3358	205	42	between	between	ADP
fsr-3358	205	43	cluster	cluster	NOUN
fsr-3358	205	44	2	2	NUM
fsr-3358	205	45	and	and	CCONJ
fsr-3358	205	46	3	3	NUM
fsr-3358	205	47	or	or	CCONJ
fsr-3358	205	48	cluster	cluster	NOUN
fsr-3358	205	49	4	4	NUM
fsr-3358	205	50	,	,	PUNCT
fsr-3358	205	51	5	5	NUM
fsr-3358	205	52	and	and	CCONJ
fsr-3358	205	53	6	6	NUM
fsr-3358	205	54	–	–	PUNCT
fsr-3358	205	55	indicating	indicate	VERB
fsr-3358	205	56	statistically	statistically	ADV
fsr-3358	205	57	unique	unique	ADJ
fsr-3358	205	58	patterns	pattern	NOUN
fsr-3358	205	59	.	.	PUNCT
fsr-3358	206	1	we	we	PRON
fsr-3358	206	2	noted	note	VERB
fsr-3358	206	3	that	that	SCONJ
fsr-3358	206	4	savings	saving	NOUN
fsr-3358	206	5	frequency	frequency	NOUN
fsr-3358	206	6	had	have	VERB
fsr-3358	206	7	a	a	DET
fsr-3358	206	8	marginal	marginal	ADJ
fsr-3358	206	9	impact	impact	NOUN
fsr-3358	206	10	on	on	ADP
fsr-3358	206	11	investment	investment	NOUN
fsr-3358	206	12	returns	return	NOUN
fsr-3358	206	13	as	as	SCONJ
fsr-3358	206	14	measured	measure	VERB
fsr-3358	206	15	by	by	ADP
fsr-3358	206	16	irr	irr	NOUN
fsr-3358	206	17	but	but	CCONJ
fsr-3358	206	18	a	a	DET
fsr-3358	206	19	significant	significant	ADJ
fsr-3358	206	20	impact	impact	NOUN
fsr-3358	206	21	on	on	ADP
fsr-3358	206	22	savings	saving	NOUN
fsr-3358	206	23	rates	rate	NOUN
fsr-3358	206	24	(	(	PUNCT
fsr-3358	206	25	cr	cr	X
fsr-3358	206	26	)	)	PUNCT
fsr-3358	206	27	(	(	PUNCT
fsr-3358	206	28	appendix	appendix	NOUN
fsr-3358	206	29	7	7	NUM
fsr-3358	206	30	)	)	PUNCT
fsr-3358	206	31	.	.	PUNCT
fsr-3358	207	1	investors	investor	NOUN
fsr-3358	207	2	who	who	PRON
fsr-3358	207	3	saved	save	VERB
fsr-3358	207	4	more	more	ADV
fsr-3358	207	5	frequently	frequently	ADV
fsr-3358	207	6	(	(	PUNCT
fsr-3358	207	7	biweekly	biweekly	ADJ
fsr-3358	207	8	vs	vs	ADP
fsr-3358	207	9	quarterly	quarterly	NOUN
fsr-3358	207	10	for	for	ADP
fsr-3358	207	11	example	example	NOUN
fsr-3358	207	12	)	)	PUNCT
fsr-3358	207	13	had	have	VERB
fsr-3358	207	14	a	a	DET
fsr-3358	207	15	higher	high	ADJ
fsr-3358	207	16	cr	cr	NOUN
fsr-3358	207	17	.	.	PUNCT
fsr-3358	208	1	and	and	CCONJ
fsr-3358	208	2	investors	investor	NOUN
fsr-3358	208	3	who	who	PRON
fsr-3358	208	4	saved	save	VERB
fsr-3358	208	5	systematically	systematically	ADV
fsr-3358	208	6	and	and	CCONJ
fsr-3358	208	7	regularly	regularly	ADV
fsr-3358	208	8	,	,	PUNCT
fsr-3358	208	9	had	have	VERB
fsr-3358	208	10	significantly	significantly	ADV
fsr-3358	208	11	higher	high	ADJ
fsr-3358	208	12	savings	saving	NOUN
fsr-3358	208	13	rates	rate	NOUN
fsr-3358	208	14	than	than	ADP
fsr-3358	208	15	investors	investor	NOUN
fsr-3358	208	16	who	who	PRON
fsr-3358	208	17	saved	save	VERB
fsr-3358	208	18	periodically	periodically	ADV
fsr-3358	208	19	.	.	PUNCT
fsr-3358	209	1	given	give	VERB
fsr-3358	209	2	the	the	DET
fsr-3358	209	3	administrative	administrative	ADJ
fsr-3358	209	4	burden	burden	NOUN
fsr-3358	209	5	and	and	CCONJ
fsr-3358	209	6	the	the	DET
fsr-3358	209	7	consistency	consistency	NOUN
fsr-3358	209	8	of	of	ADP
fsr-3358	209	9	our	our	PRON
fsr-3358	209	10	observed	observed	ADJ
fsr-3358	209	11	trading	trading	NOUN
fsr-3358	209	12	behaviour	behaviour	NOUN
fsr-3358	209	13	,	,	PUNCT
fsr-3358	209	14	we	we	PRON
fsr-3358	209	15	have	have	AUX
fsr-3358	209	16	assumed	assume	VERB
fsr-3358	209	17	that	that	SCONJ
fsr-3358	209	18	weekly	weekly	ADJ
fsr-3358	209	19	,	,	PUNCT
fsr-3358	209	20	biweekly	biweekly	ADJ
fsr-3358	209	21	,	,	PUNCT
fsr-3358	209	22	and	and	CCONJ
fsr-3358	209	23	monthly	monthly	ADJ
fsr-3358	209	24	trades	trade	NOUN
fsr-3358	209	25	were	be	AUX
fsr-3358	209	26	automated	automate	VERB
fsr-3358	209	27	.	.	PUNCT
fsr-3358	210	1	our	our	PRON
fsr-3358	210	2	conclusions	conclusion	NOUN
fsr-3358	210	3	led	lead	VERB
fsr-3358	210	4	to	to	ADP
fsr-3358	210	5	a	a	DET
fsr-3358	210	6	discussion	discussion	NOUN
fsr-3358	210	7	of	of	ADP
fsr-3358	210	8	the	the	DET
fsr-3358	210	9	parsimony	parsimony	ADJ
fsr-3358	210	10	principle	principle	NOUN
fsr-3358	210	11	–	–	PUNCT
fsr-3358	210	12	to	to	PART
fsr-3358	210	13	keep	keep	VERB
fsr-3358	210	14	it	it	PRON
fsr-3358	210	15	simple	simple	ADJ
fsr-3358	210	16	.	.	PUNCT
fsr-3358	211	1	we	we	PRON
fsr-3358	211	2	concluded	conclude	VERB
fsr-3358	211	3	that	that	SCONJ
fsr-3358	211	4	when	when	SCONJ
fsr-3358	211	5	searching	search	VERB
fsr-3358	211	6	for	for	ADP
fsr-3358	211	7	wealth	wealth	NOUN
fsr-3358	211	8	strategies	strategy	NOUN
fsr-3358	211	9	with	with	ADP
fsr-3358	211	10	a	a	DET
fsr-3358	211	11	powerful	powerful	ADJ
fsr-3358	211	12	impact	impact	NOUN
fsr-3358	211	13	on	on	ADP
fsr-3358	211	14	financial	financial	ADJ
fsr-3358	211	15	resilience	resilience	NOUN
fsr-3358	211	16	,	,	PUNCT
fsr-3358	211	17	keeping	keep	VERB
fsr-3358	211	18	it	it	PRON
fsr-3358	211	19	simple	simple	ADJ
fsr-3358	211	20	–	–	PUNCT
fsr-3358	211	21	saving	save	VERB
fsr-3358	211	22	and	and	CCONJ
fsr-3358	211	23	saving	saving	NOUN
fsr-3358	211	24	often	often	ADV
fsr-3358	211	25	is	be	AUX
fsr-3358	211	26	not	not	PART
fsr-3358	211	27	only	only	ADV
fsr-3358	211	28	easy	easy	ADJ
fsr-3358	211	29	to	to	PART
fsr-3358	211	30	prescribe	prescribe	VERB
fsr-3358	211	31	but	but	CCONJ
fsr-3358	211	32	effective	effective	ADJ
fsr-3358	211	33	.	.	PUNCT
fsr-3358	212	1	finally	finally	ADV
fsr-3358	212	2	,	,	PUNCT
fsr-3358	212	3	we	we	PRON
fsr-3358	212	4	observed	observe	VERB
fsr-3358	212	5	that	that	SCONJ
fsr-3358	212	6	the	the	DET
fsr-3358	212	7	advised	advised	ADJ
fsr-3358	212	8	investors	investor	NOUN
fsr-3358	212	9	(	(	PUNCT
fsr-3358	212	10	dataset	dataset	VERB
fsr-3358	212	11	1	1	NUM
fsr-3358	212	12	)	)	PUNCT
fsr-3358	212	13	had	have	VERB
fsr-3358	212	14	higher	high	ADJ
fsr-3358	212	15	savings	saving	NOUN
fsr-3358	212	16	rates	rate	NOUN
fsr-3358	212	17	and	and	CCONJ
fsr-3358	212	18	lower	low	ADJ
fsr-3358	212	19	withdrawal	withdrawal	NOUN
fsr-3358	212	20	rates	rate	NOUN
fsr-3358	212	21	than	than	ADP
fsr-3358	212	22	the	the	DET
fsr-3358	212	23	diy	diy	NOUN
fsr-3358	212	24	investors	investor	NOUN
fsr-3358	212	25	(	(	PUNCT
fsr-3358	212	26	dataset	dataset	NOUN
fsr-3358	212	27	2	2	NUM
fsr-3358	212	28	)	)	PUNCT
fsr-3358	212	29	although	although	SCONJ
fsr-3358	212	30	the	the	DET
fsr-3358	212	31	size	size	NOUN
fsr-3358	212	32	of	of	ADP
fsr-3358	212	33	dataset	dataset	ADJ
fsr-3358	212	34	2	2	NUM
fsr-3358	212	35	is	be	AUX
fsr-3358	212	36	significantly	significantly	ADV
fsr-3358	212	37	smaller	small	ADJ
fsr-3358	212	38	and	and	CCONJ
fsr-3358	212	39	the	the	DET
fsr-3358	212	40	investors	investor	NOUN
fsr-3358	212	41	significantly	significantly	ADV
fsr-3358	212	42	younger	young	ADJ
fsr-3358	212	43	than	than	SCONJ
fsr-3358	212	44	dataset	dataset	VERB
fsr-3358	212	45	1	1	NUM
fsr-3358	212	46	.	.	PUNCT
fsr-3358	212	47	discussion	discussion	NOUN
fsr-3358	212	48	limitations	limitation	NOUN
fsr-3358	212	49	our	our	PRON
fsr-3358	212	50	conclusions	conclusion	NOUN
fsr-3358	212	51	are	be	AUX
fsr-3358	212	52	constrained	constrain	VERB
fsr-3358	212	53	by	by	ADP
fsr-3358	212	54	the	the	DET
fsr-3358	212	55	datasets	dataset	NOUN
fsr-3358	212	56	provided	provide	VERB
fsr-3358	212	57	and	and	CCONJ
fsr-3358	212	58	the	the	DET
fsr-3358	212	59	timeframe	timeframe	NOUN
fsr-3358	212	60	they	they	PRON
fsr-3358	212	61	cover	cover	VERB
fsr-3358	212	62	.	.	PUNCT
fsr-3358	213	1	it	it	PRON
fsr-3358	213	2	is	be	AUX
fsr-3358	213	3	possible	possible	ADJ
fsr-3358	213	4	that	that	SCONJ
fsr-3358	213	5	additional	additional	ADJ
fsr-3358	213	6	data	datum	NOUN
fsr-3358	213	7	could	could	AUX
fsr-3358	213	8	influence	influence	VERB
fsr-3358	213	9	the	the	DET
fsr-3358	213	10	feature	feature	NOUN
fsr-3358	213	11	engineering	engineering	NOUN
fsr-3358	213	12	deployed	deploy	VERB
fsr-3358	213	13	during	during	ADP
fsr-3358	213	14	our	our	PRON
fsr-3358	213	15	clustering	clustering	NOUN
fsr-3358	213	16	.	.	PUNCT
fsr-3358	214	1	for	for	ADP
fsr-3358	214	2	example	example	NOUN
fsr-3358	214	3	,	,	PUNCT
fsr-3358	214	4	we	we	PRON
fsr-3358	214	5	were	be	AUX
fsr-3358	214	6	not	not	PART
fsr-3358	214	7	able	able	ADJ
fsr-3358	214	8	to	to	PART
fsr-3358	214	9	examine	examine	VERB
fsr-3358	214	10	savings	saving	NOUN
fsr-3358	214	11	or	or	CCONJ
fsr-3358	214	12	trading	trading	NOUN
fsr-3358	214	13	behaviour	behaviour	NOUN
fsr-3358	214	14	in	in	ADP
fsr-3358	214	15	the	the	DET
fsr-3358	214	16	context	context	NOUN
fsr-3358	214	17	of	of	ADP
fsr-3358	214	18	fees	fee	NOUN
fsr-3358	214	19	or	or	CCONJ
fsr-3358	214	20	taxes	taxis	NOUN
fsr-3358	214	21	.	.	PUNCT
fsr-3358	215	1	we	we	PRON
fsr-3358	215	2	observed	observe	VERB
fsr-3358	215	3	that	that	SCONJ
fsr-3358	215	4	the	the	DET
fsr-3358	215	5	data	datum	NOUN
fsr-3358	215	6	was	be	AUX
fsr-3358	215	7	not	not	PART
fsr-3358	215	8	‘	'	PUNCT
fsr-3358	215	9	perfect	perfect	ADJ
fsr-3358	215	10	’	'	PUNCT
fsr-3358	215	11	.	.	PUNCT
fsr-3358	216	1	it	it	PRON
fsr-3358	216	2	included	include	VERB
fsr-3358	216	3	cases	case	NOUN
fsr-3358	216	4	where	where	SCONJ
fsr-3358	216	5	the	the	DET
fsr-3358	216	6	data	datum	NOUN
fsr-3358	216	7	was	be	AUX
fsr-3358	216	8	erroneous	erroneous	ADJ
fsr-3358	216	9	.	.	PUNCT
fsr-3358	217	1	it	it	PRON
fsr-3358	217	2	is	be	AUX
fsr-3358	217	3	not	not	PART
fsr-3358	217	4	unusual	unusual	ADJ
fsr-3358	217	5	with	with	ADP
fsr-3358	217	6	‘	'	PUNCT
fsr-3358	217	7	real	real	ADJ
fsr-3358	217	8	world	world	NOUN
fsr-3358	217	9	’	'	PUNCT
fsr-3358	217	10	data	datum	NOUN
fsr-3358	217	11	to	to	PART
fsr-3358	217	12	encounter	encounter	VERB
fsr-3358	217	13	incorrect	incorrect	ADJ
fsr-3358	217	14	values	value	NOUN
fsr-3358	217	15	or	or	CCONJ
fsr-3358	217	16	administrative	administrative	ADJ
fsr-3358	217	17	challenges	challenge	NOUN
fsr-3358	217	18	.	.	PUNCT
fsr-3358	218	1	these	these	DET
fsr-3358	218	2	values	value	NOUN
fsr-3358	218	3	would	would	AUX
fsr-3358	218	4	eventually	eventually	ADV
fsr-3358	218	5	be	be	AUX
fsr-3358	218	6	corrected	correct	VERB
fsr-3358	218	7	over	over	ADP
fsr-3358	218	8	time	time	NOUN
fsr-3358	218	9	,	,	PUNCT
fsr-3358	218	10	but	but	CCONJ
fsr-3358	218	11	our	our	PRON
fsr-3358	218	12	dataset	dataset	NOUN
fsr-3358	218	13	was	be	AUX
fsr-3358	218	14	a	a	DET
fsr-3358	218	15	point	point	NOUN
fsr-3358	218	16	in	in	ADP
fsr-3358	218	17	time	time	NOUN
fsr-3358	218	18	snapshot	snapshot	NOUN
fsr-3358	218	19	.	.	PUNCT
fsr-3358	219	1	we	we	PRON
fsr-3358	219	2	made	make	VERB
fsr-3358	219	3	efforts	effort	NOUN
fsr-3358	219	4	to	to	PART
fsr-3358	219	5	curate	curate	VERB
fsr-3358	219	6	the	the	DET
fsr-3358	219	7	data	datum	NOUN
fsr-3358	219	8	and	and	CCONJ
fsr-3358	219	9	account	account	NOUN
fsr-3358	219	10	for	for	ADP
fsr-3358	219	11	these	these	DET
fsr-3358	219	12	outliers	outlier	NOUN
fsr-3358	219	13	.	.	PUNCT
fsr-3358	220	1	subsequent	subsequent	ADJ
fsr-3358	220	2	testing	testing	NOUN
fsr-3358	220	3	and	and	CCONJ
fsr-3358	220	4	modelling	modelling	NOUN
fsr-3358	220	5	determined	determine	VERB
fsr-3358	220	6	that	that	SCONJ
fsr-3358	220	7	our	our	PRON
fsr-3358	220	8	curation	curation	NOUN
fsr-3358	220	9	did	do	AUX
fsr-3358	220	10	not	not	PART
fsr-3358	220	11	materially	materially	ADV
fsr-3358	220	12	impact	impact	VERB
fsr-3358	220	13	our	our	PRON
fsr-3358	220	14	final	final	ADJ
fsr-3358	220	15	calculated	calculated	ADJ
fsr-3358	220	16	values	value	NOUN
fsr-3358	220	17	.	.	PUNCT
fsr-3358	221	1	likewise	likewise	ADV
fsr-3358	221	2	,	,	PUNCT
fsr-3358	221	3	our	our	PRON
fsr-3358	221	4	conclusions	conclusion	NOUN
fsr-3358	221	5	are	be	AUX
fsr-3358	221	6	constrained	constrain	VERB
fsr-3358	221	7	by	by	ADP
fsr-3358	221	8	the	the	DET
fsr-3358	221	9	unique	unique	ADJ
fsr-3358	221	10	time	time	NOUN
fsr-3358	221	11	-	-	PUNCT
fsr-3358	221	12	period	period	NOUN
fsr-3358	221	13	they	they	PRON
fsr-3358	221	14	cover	cover	VERB
fsr-3358	221	15	and	and	CCONJ
fsr-3358	221	16	its	its	PRON
fsr-3358	221	17	relatively	relatively	ADV
fsr-3358	221	18	short	short	ADJ
fsr-3358	221	19	(	(	PUNCT
fsr-3358	221	20	3	3	NUM
fsr-3358	221	21	-	-	PUNCT
fsr-3358	221	22	year	year	NOUN
fsr-3358	221	23	)	)	PUNCT
fsr-3358	221	24	duration	duration	NOUN
fsr-3358	221	25	.	.	PUNCT
fsr-3358	222	1	the	the	DET
fsr-3358	222	2	time	time	NOUN
fsr-3358	222	3	-	-	PUNCT
fsr-3358	222	4	period	period	NOUN
fsr-3358	222	5	(	(	PUNCT
fsr-3358	222	6	2019	2019	NUM
fsr-3358	222	7	to	to	ADP
fsr-3358	222	8	2022	2022	NUM
fsr-3358	222	9	)	)	PUNCT
fsr-3358	222	10	represents	represent	VERB
fsr-3358	222	11	a	a	DET
fsr-3358	222	12	particularly	particularly	ADV
fsr-3358	222	13	unique	unique	ADJ
fsr-3358	222	14	period	period	NOUN
fsr-3358	222	15	given	give	VERB
fsr-3358	222	16	the	the	DET
fsr-3358	222	17	pandemic	pandemic	NOUN
fsr-3358	222	18	.	.	PUNCT
fsr-3358	223	1	it	it	PRON
fsr-3358	223	2	is	be	AUX
fsr-3358	223	3	probable	probable	ADJ
fsr-3358	223	4	that	that	SCONJ
fsr-3358	223	5	investment	investment	NOUN
fsr-3358	223	6	returns	return	NOUN
fsr-3358	223	7	would	would	AUX
fsr-3358	223	8	play	play	VERB
fsr-3358	223	9	a	a	DET
fsr-3358	223	10	stronger	strong	ADJ
fsr-3358	223	11	role	role	NOUN
fsr-3358	223	12	over	over	ADP
fsr-3358	223	13	a	a	DET
fsr-3358	223	14	longer	long	ADJ
fsr-3358	223	15	time	time	NOUN
fsr-3358	223	16	-	-	PUNCT
fsr-3358	223	17	period	period	NOUN
fsr-3358	223	18	.	.	PUNCT
fsr-3358	224	1	over	over	ADP
fsr-3358	224	2	the	the	DET
fsr-3358	224	3	last	last	ADJ
fsr-3358	224	4	25	25	NUM
fsr-3358	224	5	years	year	NOUN
fsr-3358	224	6	,	,	PUNCT
fsr-3358	224	7	canadian	canadian	ADJ
fsr-3358	224	8	fixed	fix	VERB
fsr-3358	224	9	income	income	NOUN
fsr-3358	224	10	yields	yield	NOUN
fsr-3358	224	11	have	have	AUX
fsr-3358	224	12	averaged	average	VERB
fsr-3358	224	13	closer	close	ADV
fsr-3358	224	14	to	to	ADP
fsr-3358	224	15	3.6	3.6	NUM
fsr-3358	224	16	%	%	NOUN
fsr-3358	224	17	annually	annually	ADV
fsr-3358	224	18	compared	compare	VERB
fsr-3358	224	19	to	to	ADP
fsr-3358	224	20	the	the	DET
fsr-3358	224	21	-4.2	-4.2	ADJ
fsr-3358	224	22	%	%	NOUN
fsr-3358	224	23	observed	observe	VERB
fsr-3358	224	24	in	in	ADP
fsr-3358	224	25	our	our	PRON
fsr-3358	224	26	dataset	dataset	NOUN
fsr-3358	224	27	.	.	PUNCT
fsr-3358	225	1	we	we	PRON
fsr-3358	225	2	would	would	AUX
fsr-3358	225	3	note	note	VERB
fsr-3358	225	4	however	however	ADV
fsr-3358	225	5	that	that	SCONJ
fsr-3358	225	6	historical	historical	ADJ
fsr-3358	225	7	investment	investment	NOUN
fsr-3358	225	8	returns	return	NOUN
fsr-3358	225	9	would	would	AUX
fsr-3358	225	10	still	still	ADV
fsr-3358	225	11	pale	pale	VERB
fsr-3358	225	12	in	in	ADP
fsr-3358	225	13	comparison	comparison	NOUN
fsr-3358	225	14	to	to	ADP
fsr-3358	225	15	our	our	PRON
fsr-3358	225	16	strongest	strong	ADJ
fsr-3358	225	17	observed	observed	ADJ
fsr-3358	225	18	savings	saving	NOUN
fsr-3358	225	19	patterns	pattern	NOUN
fsr-3358	225	20	.	.	PUNCT
fsr-3358	226	1	our	our	PRON
fsr-3358	226	2	conclusions	conclusion	NOUN
fsr-3358	226	3	are	be	AUX
fsr-3358	226	4	also	also	ADV
fsr-3358	226	5	limited	limit	VERB
fsr-3358	226	6	to	to	ADP
fsr-3358	226	7	a	a	DET
fsr-3358	226	8	specific	specific	ADJ
fsr-3358	226	9	view	view	NOUN
fsr-3358	226	10	of	of	ADP
fsr-3358	226	11	an	an	DET
fsr-3358	226	12	investors	investor	NOUN
fsr-3358	226	13	saving	save	VERB
fsr-3358	226	14	patterns	pattern	NOUN
fsr-3358	226	15	–	–	PUNCT
fsr-3358	226	16	registered	register	VERB
fsr-3358	226	17	retirement	retirement	NOUN
fsr-3358	226	18	saving	saving	NOUN
fsr-3358	226	19	plans	plan	NOUN
fsr-3358	226	20	.	.	PUNCT
fsr-3358	227	1	we	we	PRON
fsr-3358	227	2	did	do	AUX
fsr-3358	227	3	not	not	PART
fsr-3358	227	4	have	have	VERB
fsr-3358	227	5	access	access	NOUN
fsr-3358	227	6	to	to	ADP
fsr-3358	227	7	an	an	DET
fsr-3358	227	8	investor	investor	NOUN
fsr-3358	227	9	’s	’s	PART
fsr-3358	227	10	savings	saving	NOUN
fsr-3358	227	11	at	at	ADP
fsr-3358	227	12	other	other	ADJ
fsr-3358	227	13	institutions	institution	NOUN
fsr-3358	227	14	such	such	ADJ
fsr-3358	227	15	as	as	ADP
fsr-3358	227	16	an	an	DET
fsr-3358	227	17	employer	employer	NOUN
fsr-3358	227	18	sponsored	sponsor	VERB
fsr-3358	227	19	pension	pension	NOUN
fsr-3358	227	20	plan	plan	NOUN
fsr-3358	227	21	or	or	CCONJ
fsr-3358	227	22	a	a	DET
fsr-3358	227	23	savings	savings	NOUN
fsr-3358	227	24	account	account	NOUN
fsr-3358	227	25	at	at	ADP
fsr-3358	227	26	their	their	PRON
fsr-3358	227	27	bank	bank	NOUN
fsr-3358	227	28	.	.	PUNCT
fsr-3358	228	1	it	it	PRON
fsr-3358	228	2	is	be	AUX
fsr-3358	228	3	possible	possible	ADJ
fsr-3358	228	4	that	that	SCONJ
fsr-3358	228	5	some	some	DET
fsr-3358	228	6	investors	investor	NOUN
fsr-3358	228	7	would	would	AUX
fsr-3358	228	8	seek	seek	VERB
fsr-3358	228	9	to	to	PART
fsr-3358	228	10	optimize	optimize	VERB
fsr-3358	228	11	their	their	PRON
fsr-3358	228	12	savings	saving	NOUN
fsr-3358	228	13	across	across	ADP
fsr-3358	228	14	multiple	multiple	ADJ
fsr-3358	228	15	accounts	account	NOUN
fsr-3358	228	16	and	and	CCONJ
fsr-3358	228	17	our	our	PRON
fsr-3358	228	18	observations	observation	NOUN
fsr-3358	228	19	will	will	AUX
fsr-3358	228	20	not	not	PART
fsr-3358	228	21	reflect	reflect	VERB
fsr-3358	228	22	those	those	DET
fsr-3358	228	23	tendencies	tendency	NOUN
fsr-3358	228	24	.	.	PUNCT
fsr-3358	229	1	nor	nor	CCONJ
fsr-3358	229	2	have	have	AUX
fsr-3358	229	3	we	we	PRON
fsr-3358	229	4	attempted	attempt	VERB
fsr-3358	229	5	to	to	PART
fsr-3358	229	6	answer	answer	VERB
fsr-3358	229	7	the	the	DET
fsr-3358	229	8	question	question	NOUN
fsr-3358	229	9	‘	'	PUNCT
fsr-3358	229	10	how	how	SCONJ
fsr-3358	229	11	much	much	ADJ
fsr-3358	229	12	is	be	AUX
fsr-3358	229	13	enough	enough	ADJ
fsr-3358	229	14	’	'	PUNCT
fsr-3358	229	15	.	.	PUNCT
fsr-3358	230	1	it	it	PRON
fsr-3358	230	2	could	could	AUX
fsr-3358	230	3	be	be	AUX
fsr-3358	230	4	argued	argue	VERB
fsr-3358	230	5	that	that	SCONJ
fsr-3358	230	6	some	some	PRON
fsr-3358	230	7	of	of	ADP
fsr-3358	230	8	our	our	PRON
fsr-3358	230	9	strongest	strong	ADJ
fsr-3358	230	10	observed	observed	ADJ
fsr-3358	230	11	savings	saving	NOUN
fsr-3358	230	12	'	'	PART
fsr-3358	230	13	patterns	pattern	NOUN
fsr-3358	230	14	financial	financial	PROPN
fsr-3358	230	15	services	service	NOUN
fsr-3358	230	16	review	review	NOUN
fsr-3358	230	17	,	,	PUNCT
fsr-3358	230	18	32(2	32(2	NUM
fsr-3358	230	19	)	)	PUNCT
fsr-3358	230	20	14	14	NUM
fsr-3358	230	21	would	would	AUX
fsr-3358	230	22	be	be	AUX
fsr-3358	230	23	difficult	difficult	ADJ
fsr-3358	230	24	to	to	PART
fsr-3358	230	25	maintain	maintain	VERB
fsr-3358	230	26	over	over	ADP
fsr-3358	230	27	the	the	DET
fsr-3358	230	28	long	long	ADJ
fsr-3358	230	29	run	run	NOUN
fsr-3358	230	30	.	.	PUNCT
fsr-3358	231	1	but	but	CCONJ
fsr-3358	231	2	we	we	PRON
fsr-3358	231	3	have	have	AUX
fsr-3358	231	4	left	leave	VERB
fsr-3358	231	5	that	that	DET
fsr-3358	231	6	question	question	NOUN
fsr-3358	231	7	for	for	ADP
fsr-3358	231	8	the	the	DET
fsr-3358	231	9	‘	'	PUNCT
fsr-3358	231	10	further	further	ADJ
fsr-3358	231	11	research	research	NOUN
fsr-3358	231	12	’	'	PUNCT
fsr-3358	231	13	section	section	NOUN
fsr-3358	231	14	.	.	PUNCT
fsr-3358	232	1	implications	implication	NOUN
fsr-3358	232	2	our	our	PRON
fsr-3358	232	3	analysis	analysis	NOUN
fsr-3358	232	4	concluded	conclude	VERB
fsr-3358	232	5	that	that	SCONJ
fsr-3358	232	6	:	:	PUNCT
fsr-3358	232	7	1	1	X
fsr-3358	232	8	.	.	X
fsr-3358	232	9	an	an	DET
fsr-3358	232	10	active	active	ADJ
fsr-3358	232	11	savings	saving	NOUN
fsr-3358	232	12	strategy	strategy	NOUN
fsr-3358	232	13	was	be	AUX
fsr-3358	232	14	more	more	ADV
fsr-3358	232	15	effective	effective	ADJ
fsr-3358	232	16	at	at	ADP
fsr-3358	232	17	building	build	VERB
fsr-3358	232	18	wealth	wealth	NOUN
fsr-3358	232	19	than	than	ADP
fsr-3358	232	20	relying	rely	VERB
fsr-3358	232	21	on	on	ADP
fsr-3358	232	22	investment	investment	NOUN
fsr-3358	232	23	returns	return	NOUN
fsr-3358	232	24	or	or	CCONJ
fsr-3358	232	25	complex	complex	ADJ
fsr-3358	232	26	trading	trading	NOUN
fsr-3358	232	27	strategies	strategy	NOUN
fsr-3358	232	28	alone	alone	ADV
fsr-3358	232	29	.	.	PUNCT
fsr-3358	233	1	2	2	X
fsr-3358	233	2	.	.	X
fsr-3358	233	3	saving	saving	NOUN
fsr-3358	233	4	is	be	AUX
fsr-3358	233	5	a	a	DET
fsr-3358	233	6	simple	simple	ADJ
fsr-3358	233	7	,	,	PUNCT
fsr-3358	233	8	reliable	reliable	ADJ
fsr-3358	233	9	,	,	PUNCT
fsr-3358	233	10	and	and	CCONJ
fsr-3358	233	11	powerful	powerful	ADJ
fsr-3358	233	12	technique	technique	NOUN
fsr-3358	233	13	to	to	PART
fsr-3358	233	14	build	build	VERB
fsr-3358	233	15	wealth	wealth	NOUN
fsr-3358	233	16	.	.	PUNCT
fsr-3358	234	1	3	3	X
fsr-3358	234	2	.	.	X
fsr-3358	234	3	frequent	frequent	ADJ
fsr-3358	234	4	and	and	CCONJ
fsr-3358	234	5	disciplined	disciplined	ADJ
fsr-3358	234	6	saving	saving	NOUN
fsr-3358	234	7	is	be	AUX
fsr-3358	234	8	more	more	ADV
fsr-3358	234	9	effective	effective	ADJ
fsr-3358	234	10	than	than	ADP
fsr-3358	234	11	irregular	irregular	ADJ
fsr-3358	234	12	or	or	CCONJ
fsr-3358	234	13	just	just	ADV
fsr-3358	234	14	-	-	PUNCT
fsr-3358	234	15	intime	intime	PROPN
fsr-3358	234	16	saving	saving	NOUN
fsr-3358	234	17	.	.	PUNCT
fsr-3358	235	1	4	4	X
fsr-3358	235	2	.	.	X
fsr-3358	235	3	saving	save	VERB
fsr-3358	235	4	is	be	AUX
fsr-3358	235	5	a	a	DET
fsr-3358	235	6	universal	universal	ADJ
fsr-3358	235	7	strategy	strategy	NOUN
fsr-3358	235	8	the	the	DET
fsr-3358	235	9	observed	observed	ADJ
fsr-3358	235	10	results	result	NOUN
fsr-3358	235	11	were	be	AUX
fsr-3358	235	12	the	the	DET
fsr-3358	235	13	same	same	ADJ
fsr-3358	235	14	regardless	regardless	ADV
fsr-3358	235	15	of	of	ADP
fsr-3358	235	16	age	age	NOUN
fsr-3358	235	17	groups	group	NOUN
fsr-3358	235	18	,	,	PUNCT
fsr-3358	235	19	genders	gender	NOUN
fsr-3358	235	20	,	,	PUNCT
fsr-3358	235	21	risk	risk	NOUN
fsr-3358	235	22	tolerances	tolerance	NOUN
fsr-3358	235	23	and	and	CCONJ
fsr-3358	235	24	income	income	NOUN
fsr-3358	235	25	levels	level	NOUN
fsr-3358	235	26	.	.	PUNCT
fsr-3358	236	1	our	our	PRON
fsr-3358	236	2	conclusions	conclusion	NOUN
fsr-3358	236	3	offer	offer	VERB
fsr-3358	236	4	participants	participant	NOUN
fsr-3358	236	5	a	a	DET
fsr-3358	236	6	simple	simple	ADJ
fsr-3358	236	7	tool	tool	NOUN
fsr-3358	236	8	to	to	PART
fsr-3358	236	9	cut	cut	VERB
fsr-3358	236	10	through	through	ADP
fsr-3358	236	11	the	the	DET
fsr-3358	236	12	complexity	complexity	NOUN
fsr-3358	236	13	of	of	ADP
fsr-3358	236	14	the	the	DET
fsr-3358	236	15	background	background	NOUN
fsr-3358	236	16	noise	noise	NOUN
fsr-3358	236	17	and	and	CCONJ
fsr-3358	236	18	focus	focus	VERB
fsr-3358	236	19	on	on	ADP
fsr-3358	236	20	actions	action	NOUN
fsr-3358	236	21	that	that	PRON
fsr-3358	236	22	have	have	VERB
fsr-3358	236	23	a	a	DET
fsr-3358	236	24	tangible	tangible	ADJ
fsr-3358	236	25	impact	impact	NOUN
fsr-3358	236	26	on	on	ADP
fsr-3358	236	27	wealth	wealth	NOUN
fsr-3358	236	28	accumulation	accumulation	NOUN
fsr-3358	236	29	and	and	CCONJ
fsr-3358	236	30	,	,	PUNCT
fsr-3358	236	31	by	by	ADP
fsr-3358	236	32	extension	extension	NOUN
fsr-3358	236	33	,	,	PUNCT
fsr-3358	236	34	financial	financial	ADJ
fsr-3358	236	35	resilience	resilience	NOUN
fsr-3358	236	36	.	.	PUNCT
fsr-3358	237	1	the	the	DET
fsr-3358	237	2	key	key	NOUN
fsr-3358	237	3	would	would	AUX
fsr-3358	237	4	appear	appear	VERB
fsr-3358	237	5	to	to	PART
fsr-3358	237	6	be	be	AUX
fsr-3358	237	7	a	a	DET
fsr-3358	237	8	focus	focus	NOUN
fsr-3358	237	9	on	on	ADP
fsr-3358	237	10	participation	participation	NOUN
fsr-3358	237	11	in	in	ADP
fsr-3358	237	12	savings	saving	NOUN
fsr-3358	237	13	plans	plan	NOUN
fsr-3358	237	14	,	,	PUNCT
fsr-3358	237	15	automated	automate	VERB
fsr-3358	237	16	if	if	SCONJ
fsr-3358	237	17	possible	possible	ADJ
fsr-3358	237	18	,	,	PUNCT
fsr-3358	237	19	and	and	CCONJ
fsr-3358	237	20	incented	incente	VERB
fsr-3358	237	21	to	to	PART
fsr-3358	237	22	run	run	VERB
fsr-3358	237	23	as	as	ADV
fsr-3358	237	24	long	long	ADV
fsr-3358	237	25	as	as	ADP
fsr-3358	237	26	possible	possible	ADJ
fsr-3358	237	27	.	.	PUNCT
fsr-3358	238	1	there	there	PRON
fsr-3358	238	2	is	be	VERB
fsr-3358	238	3	no	no	DET
fsr-3358	238	4	need	need	NOUN
fsr-3358	238	5	to	to	PART
fsr-3358	238	6	make	make	VERB
fsr-3358	238	7	this	this	PRON
fsr-3358	238	8	complicated	complicated	ADJ
fsr-3358	238	9	.	.	PUNCT
fsr-3358	239	1	the	the	DET
fsr-3358	239	2	simple	simple	ADJ
fsr-3358	239	3	act	act	NOUN
fsr-3358	239	4	of	of	ADP
fsr-3358	239	5	opening	open	VERB
fsr-3358	239	6	an	an	DET
fsr-3358	239	7	account	account	NOUN
fsr-3358	239	8	and	and	CCONJ
fsr-3358	239	9	automating	automate	VERB
fsr-3358	239	10	regular	regular	ADJ
fsr-3358	239	11	contributions	contribution	NOUN
fsr-3358	239	12	is	be	AUX
fsr-3358	239	13	the	the	DET
fsr-3358	239	14	most	most	ADV
fsr-3358	239	15	powerful	powerful	ADJ
fsr-3358	239	16	technique	technique	NOUN
fsr-3358	239	17	that	that	SCONJ
fsr-3358	239	18	investors	investor	NOUN
fsr-3358	239	19	,	,	PUNCT
fsr-3358	239	20	policy	policy	NOUN
fsr-3358	239	21	makers	maker	NOUN
fsr-3358	239	22	,	,	PUNCT
fsr-3358	239	23	asset	asset	NOUN
fsr-3358	239	24	managers	manager	NOUN
fsr-3358	239	25	and	and	CCONJ
fsr-3358	239	26	advisors	advisor	NOUN
fsr-3358	239	27	can	can	AUX
fsr-3358	239	28	deploy	deploy	VERB
fsr-3358	239	29	in	in	ADP
fsr-3358	239	30	the	the	DET
fsr-3358	239	31	pursuit	pursuit	NOUN
fsr-3358	239	32	of	of	ADP
fsr-3358	239	33	wealth	wealth	NOUN
fsr-3358	239	34	accumulation	accumulation	NOUN
fsr-3358	239	35	.	.	PUNCT
fsr-3358	240	1	for	for	ADP
fsr-3358	240	2	policy	policy	NOUN
fsr-3358	240	3	makers	maker	NOUN
fsr-3358	240	4	,	,	PUNCT
fsr-3358	240	5	we	we	PRON
fsr-3358	240	6	would	would	AUX
fsr-3358	240	7	encourage	encourage	VERB
fsr-3358	240	8	their	their	PRON
fsr-3358	240	9	continued	continue	VERB
fsr-3358	240	10	sponsorship	sponsorship	NOUN
fsr-3358	240	11	of	of	ADP
fsr-3358	240	12	savings	saving	NOUN
fsr-3358	240	13	plans	plan	NOUN
fsr-3358	240	14	such	such	ADJ
fsr-3358	240	15	as	as	ADP
fsr-3358	240	16	retirement	retirement	NOUN
fsr-3358	240	17	savings	saving	NOUN
fsr-3358	240	18	plans	plan	NOUN
fsr-3358	240	19	,	,	PUNCT
fsr-3358	240	20	tax	tax	NOUN
fsr-3358	240	21	free	free	ADJ
fsr-3358	240	22	savings	saving	NOUN
fsr-3358	240	23	accounts	account	NOUN
fsr-3358	240	24	,	,	PUNCT
fsr-3358	240	25	education	education	NOUN
fsr-3358	240	26	saving	saving	NOUN
fsr-3358	240	27	plans	plan	NOUN
fsr-3358	240	28	and	and	CCONJ
fsr-3358	240	29	homeownership	homeownership	NOUN
fsr-3358	240	30	saving	saving	NOUN
fsr-3358	240	31	plans	plan	NOUN
fsr-3358	240	32	.	.	PUNCT
fsr-3358	241	1	we	we	PRON
fsr-3358	241	2	would	would	AUX
fsr-3358	241	3	also	also	ADV
fsr-3358	241	4	encourage	encourage	VERB
fsr-3358	241	5	careful	careful	ADJ
fsr-3358	241	6	consideration	consideration	NOUN
fsr-3358	241	7	for	for	ADP
fsr-3358	241	8	raising	raise	VERB
fsr-3358	241	9	the	the	DET
fsr-3358	241	10	annual	annual	ADJ
fsr-3358	241	11	contribution	contribution	NOUN
fsr-3358	241	12	limits	limit	NOUN
fsr-3358	241	13	in	in	ADP
fsr-3358	241	14	canada	canada	PROPN
fsr-3358	241	15	for	for	ADP
fsr-3358	241	16	rsps	rsp	NOUN
fsr-3358	241	17	and	and	CCONJ
fsr-3358	241	18	tfsas	tfsa	NOUN
fsr-3358	241	19	,	,	PUNCT
fsr-3358	241	20	in	in	ADP
fsr-3358	241	21	particular	particular	ADJ
fsr-3358	241	22	.	.	PUNCT
fsr-3358	242	1	globally	globally	ADV
fsr-3358	242	2	,	,	PUNCT
fsr-3358	242	3	policy	policy	NOUN
fsr-3358	242	4	makers	maker	NOUN
fsr-3358	242	5	have	have	AUX
fsr-3358	242	6	become	become	VERB
fsr-3358	242	7	strong	strong	ADJ
fsr-3358	242	8	advocates	advocate	NOUN
fsr-3358	242	9	for	for	ADP
fsr-3358	242	10	financial	financial	ADJ
fsr-3358	242	11	literacy	literacy	NOUN
fsr-3358	242	12	.	.	PUNCT
fsr-3358	243	1	we	we	PRON
fsr-3358	243	2	would	would	AUX
fsr-3358	243	3	encourage	encourage	VERB
fsr-3358	243	4	them	they	PRON
fsr-3358	243	5	to	to	PART
fsr-3358	243	6	make	make	VERB
fsr-3358	243	7	saving	save	VERB
fsr-3358	243	8	a	a	DET
fsr-3358	243	9	cornerstone	cornerstone	NOUN
fsr-3358	243	10	strategy	strategy	NOUN
fsr-3358	243	11	within	within	ADP
fsr-3358	243	12	their	their	PRON
fsr-3358	243	13	financial	financial	ADJ
fsr-3358	243	14	literacy	literacy	NOUN
fsr-3358	243	15	plans	plan	NOUN
fsr-3358	243	16	.	.	PUNCT
fsr-3358	244	1	in	in	ADP
fsr-3358	244	2	canada	canada	PROPN
fsr-3358	244	3	,	,	PUNCT
fsr-3358	244	4	the	the	DET
fsr-3358	244	5	financial	financial	ADJ
fsr-3358	244	6	consumer	consumer	NOUN
fsr-3358	244	7	agency	agency	NOUN
fsr-3358	244	8	of	of	ADP
fsr-3358	244	9	canada	canada	PROPN
fsr-3358	244	10	(	(	PUNCT
fsr-3358	244	11	fcac	fcac	PROPN
fsr-3358	244	12	)	)	PUNCT
fsr-3358	244	13	has	have	AUX
fsr-3358	244	14	embarked	embark	VERB
fsr-3358	244	15	on	on	ADP
fsr-3358	244	16	a	a	DET
fsr-3358	244	17	project	project	NOUN
fsr-3358	244	18	to	to	PART
fsr-3358	244	19	measure	measure	VERB
fsr-3358	244	20	financial	financial	ADJ
fsr-3358	244	21	resilience	resilience	NOUN
fsr-3358	244	22	.	.	PUNCT
fsr-3358	245	1	we	we	PRON
fsr-3358	245	2	would	would	AUX
fsr-3358	245	3	strongly	strongly	ADV
fsr-3358	245	4	advocate	advocate	VERB
fsr-3358	245	5	to	to	PART
fsr-3358	245	6	integrate	integrate	VERB
fsr-3358	245	7	savings	saving	NOUN
fsr-3358	245	8	into	into	ADP
fsr-3358	245	9	such	such	DET
fsr-3358	245	10	a	a	DET
fsr-3358	245	11	measure	measure	NOUN
fsr-3358	245	12	.	.	PUNCT
fsr-3358	246	1	in	in	ADP
fsr-3358	246	2	our	our	PRON
fsr-3358	246	3	research	research	NOUN
fsr-3358	246	4	we	we	PRON
fsr-3358	246	5	determined	determine	VERB
fsr-3358	246	6	that	that	SCONJ
fsr-3358	246	7	the	the	DET
fsr-3358	246	8	impact	impact	NOUN
fsr-3358	246	9	of	of	ADP
fsr-3358	246	10	strong	strong	ADJ
fsr-3358	246	11	savings	saving	NOUN
fsr-3358	246	12	behaviour	behaviour	NOUN
fsr-3358	246	13	crossed	cross	VERB
fsr-3358	246	14	demographic	demographic	ADJ
fsr-3358	246	15	lines	line	NOUN
fsr-3358	246	16	such	such	ADJ
fsr-3358	246	17	as	as	ADP
fsr-3358	246	18	age	age	NOUN
fsr-3358	246	19	,	,	PUNCT
fsr-3358	246	20	gender	gender	NOUN
fsr-3358	246	21	,	,	PUNCT
fsr-3358	246	22	income	income	NOUN
fsr-3358	246	23	and	and	CCONJ
fsr-3358	246	24	location	location	NOUN
fsr-3358	246	25	.	.	PUNCT
fsr-3358	247	1	we	we	PRON
fsr-3358	247	2	would	would	AUX
fsr-3358	247	3	therefore	therefore	ADV
fsr-3358	247	4	advocate	advocate	VERB
fsr-3358	247	5	for	for	ADP
fsr-3358	247	6	the	the	DET
fsr-3358	247	7	sponsorship	sponsorship	NOUN
fsr-3358	247	8	of	of	ADP
fsr-3358	247	9	saving	save	VERB
fsr-3358	247	10	across	across	ADP
fsr-3358	247	11	the	the	DET
fsr-3358	247	12	widest	wide	ADJ
fsr-3358	247	13	breadth	breadth	NOUN
fsr-3358	247	14	of	of	ADP
fsr-3358	247	15	society	society	NOUN
fsr-3358	247	16	and	and	CCONJ
fsr-3358	247	17	not	not	PART
fsr-3358	247	18	narrowly	narrowly	ADV
fsr-3358	247	19	focused	focus	VERB
fsr-3358	247	20	on	on	ADP
fsr-3358	247	21	any	any	DET
fsr-3358	247	22	one	one	NUM
fsr-3358	247	23	segment	segment	NOUN
fsr-3358	247	24	.	.	PUNCT
fsr-3358	248	1	for	for	ADP
fsr-3358	248	2	regulators	regulator	NOUN
fsr-3358	248	3	,	,	PUNCT
fsr-3358	248	4	we	we	PRON
fsr-3358	248	5	would	would	AUX
fsr-3358	248	6	encourage	encourage	VERB
fsr-3358	248	7	a	a	DET
fsr-3358	248	8	balanced	balanced	ADJ
fsr-3358	248	9	perspective	perspective	NOUN
fsr-3358	248	10	that	that	PRON
fsr-3358	248	11	combines	combine	VERB
fsr-3358	248	12	transparency	transparency	NOUN
fsr-3358	248	13	and	and	CCONJ
fsr-3358	248	14	a	a	DET
fsr-3358	248	15	fiduciary	fiduciary	ADJ
fsr-3358	248	16	perspective	perspective	NOUN
fsr-3358	248	17	with	with	ADP
fsr-3358	248	18	incentives	incentive	NOUN
fsr-3358	248	19	to	to	PART
fsr-3358	248	20	save	save	VERB
fsr-3358	248	21	and	and	CCONJ
fsr-3358	248	22	processes	process	NOUN
fsr-3358	248	23	that	that	PRON
fsr-3358	248	24	create	create	VERB
fsr-3358	248	25	simplicity	simplicity	NOUN
fsr-3358	248	26	for	for	ADP
fsr-3358	248	27	investors	investor	NOUN
fsr-3358	248	28	.	.	PUNCT
fsr-3358	249	1	transparency	transparency	NOUN
fsr-3358	249	2	is	be	AUX
fsr-3358	249	3	a	a	DET
fsr-3358	249	4	noble	noble	ADJ
fsr-3358	249	5	objective	objective	NOUN
fsr-3358	249	6	but	but	CCONJ
fsr-3358	249	7	when	when	SCONJ
fsr-3358	249	8	taken	take	VERB
fsr-3358	249	9	too	too	ADV
fsr-3358	249	10	far	far	ADV
fsr-3358	249	11	,	,	PUNCT
fsr-3358	249	12	it	it	PRON
fsr-3358	249	13	can	can	AUX
fsr-3358	249	14	create	create	VERB
fsr-3358	249	15	complexity	complexity	NOUN
fsr-3358	249	16	and	and	CCONJ
fsr-3358	249	17	noise	noise	NOUN
fsr-3358	249	18	for	for	ADP
fsr-3358	249	19	decision	decision	NOUN
fsr-3358	249	20	makers	maker	NOUN
fsr-3358	249	21	(	(	PUNCT
fsr-3358	249	22	investors	investor	NOUN
fsr-3358	249	23	)	)	PUNCT
fsr-3358	249	24	.	.	PUNCT
fsr-3358	250	1	complexity	complexity	NOUN
fsr-3358	250	2	has	have	AUX
fsr-3358	250	3	been	be	AUX
fsr-3358	250	4	shown	show	VERB
fsr-3358	250	5	to	to	PART
fsr-3358	250	6	be	be	AUX
fsr-3358	250	7	a	a	DET
fsr-3358	250	8	barrier	barrier	NOUN
fsr-3358	250	9	for	for	ADP
fsr-3358	250	10	the	the	DET
fsr-3358	250	11	saving	saving	NOUN
fsr-3358	250	12	behaviours	behaviour	NOUN
fsr-3358	250	13	for	for	ADP
fsr-3358	250	14	which	which	PRON
fsr-3358	250	15	we	we	PRON
fsr-3358	250	16	advocate	advocate	VERB
fsr-3358	250	17	.	.	PUNCT
fsr-3358	251	1	for	for	ADP
fsr-3358	251	2	asset	asset	NOUN
fsr-3358	251	3	managers	manager	NOUN
fsr-3358	251	4	,	,	PUNCT
fsr-3358	251	5	we	we	PRON
fsr-3358	251	6	would	would	AUX
fsr-3358	251	7	encourage	encourage	VERB
fsr-3358	251	8	more	more	ADV
fsr-3358	251	9	balanced	balanced	ADJ
fsr-3358	251	10	market	market	NOUN
fsr-3358	251	11	facing	face	VERB
fsr-3358	251	12	activities	activity	NOUN
fsr-3358	251	13	that	that	PRON
fsr-3358	251	14	spend	spend	VERB
fsr-3358	251	15	more	more	ADJ
fsr-3358	251	16	time	time	NOUN
fsr-3358	251	17	encouraging	encouraging	ADJ
fsr-3358	251	18	saving	saving	NOUN
fsr-3358	251	19	in	in	ADP
fsr-3358	251	20	general	general	ADJ
fsr-3358	251	21	and	and	CCONJ
fsr-3358	251	22	less	less	ADJ
fsr-3358	251	23	time	time	NOUN
fsr-3358	251	24	overwhelming	overwhelming	ADJ
fsr-3358	251	25	investors	investor	NOUN
fsr-3358	251	26	with	with	ADP
fsr-3358	251	27	investment	investment	NOUN
fsr-3358	251	28	and	and	CCONJ
fsr-3358	251	29	economic	economic	ADJ
fsr-3358	251	30	jargon	jargon	NOUN
fsr-3358	251	31	and	and	CCONJ
fsr-3358	251	32	communications	communication	NOUN
fsr-3358	251	33	that	that	PRON
fsr-3358	251	34	create	create	VERB
fsr-3358	251	35	confusion	confusion	NOUN
fsr-3358	251	36	rather	rather	ADV
fsr-3358	251	37	than	than	ADP
fsr-3358	251	38	a	a	DET
fsr-3358	251	39	tangible	tangible	ADJ
fsr-3358	251	40	impact	impact	NOUN
fsr-3358	251	41	on	on	ADP
fsr-3358	251	42	client	client	NOUN
fsr-3358	251	43	outcomes	outcome	NOUN
fsr-3358	251	44	.	.	PUNCT
fsr-3358	252	1	we	we	PRON
fsr-3358	252	2	encourage	encourage	VERB
fsr-3358	252	3	a	a	DET
fsr-3358	252	4	specific	specific	ADJ
fsr-3358	252	5	focus	focus	NOUN
fsr-3358	252	6	on	on	ADP
fsr-3358	252	7	the	the	DET
fsr-3358	252	8	use	use	NOUN
fsr-3358	252	9	of	of	ADP
fsr-3358	252	10	systematic	systematic	ADJ
fsr-3358	252	11	saving	saving	NOUN
fsr-3358	252	12	routines	routine	NOUN
fsr-3358	252	13	(	(	PUNCT
fsr-3358	252	14	preauthorized	preauthorized	ADJ
fsr-3358	252	15	chequing	chequing	NOUN
fsr-3358	252	16	or	or	CCONJ
fsr-3358	252	17	pacs	pac	NOUN
fsr-3358	252	18	)	)	PUNCT
fsr-3358	252	19	as	as	ADP
fsr-3358	252	20	a	a	DET
fsr-3358	252	21	tangible	tangible	ADJ
fsr-3358	252	22	,	,	PUNCT
fsr-3358	252	23	simple	simple	ADJ
fsr-3358	252	24	mechanism	mechanism	NOUN
fsr-3358	252	25	for	for	ADP
fsr-3358	252	26	capital	capital	NOUN
fsr-3358	252	27	accumulation	accumulation	NOUN
fsr-3358	252	28	.	.	PUNCT
fsr-3358	253	1	for	for	ADP
fsr-3358	253	2	advisors	advisor	NOUN
fsr-3358	253	3	we	we	PRON
fsr-3358	253	4	encourage	encourage	VERB
fsr-3358	253	5	a	a	DET
fsr-3358	253	6	specific	specific	ADJ
fsr-3358	253	7	focus	focus	NOUN
fsr-3358	253	8	on	on	ADP
fsr-3358	253	9	systematic	systematic	ADJ
fsr-3358	253	10	saving	saving	NOUN
fsr-3358	253	11	routines	routine	NOUN
fsr-3358	253	12	(	(	PUNCT
fsr-3358	253	13	preauthorized	preauthorized	ADJ
fsr-3358	253	14	chequing	chequing	NOUN
fsr-3358	253	15	or	or	CCONJ
fsr-3358	253	16	pacs	pac	NOUN
fsr-3358	253	17	)	)	PUNCT
fsr-3358	253	18	.	.	PUNCT
fsr-3358	254	1	in	in	ADP
fsr-3358	254	2	addition	addition	NOUN
fsr-3358	254	3	to	to	ADP
fsr-3358	254	4	a	a	DET
fsr-3358	254	5	strong	strong	ADJ
fsr-3358	254	6	impact	impact	NOUN
fsr-3358	254	7	on	on	ADP
fsr-3358	254	8	customer	customer	NOUN
fsr-3358	254	9	outcomes	outcome	NOUN
fsr-3358	254	10	,	,	PUNCT
fsr-3358	254	11	automated	automate	VERB
fsr-3358	254	12	savings	saving	NOUN
fsr-3358	254	13	routines	routine	NOUN
fsr-3358	254	14	can	can	AUX
fsr-3358	254	15	help	help	VERB
fsr-3358	254	16	streamline	streamline	VERB
fsr-3358	254	17	an	an	DET
fsr-3358	254	18	advisor	advisor	NOUN
fsr-3358	254	19	's	's	PART
fsr-3358	254	20	operation	operation	NOUN
fsr-3358	254	21	and	and	CCONJ
fsr-3358	254	22	represent	represent	VERB
fsr-3358	254	23	a	a	DET
fsr-3358	254	24	low	low	ADJ
fsr-3358	254	25	cost	cost	NOUN
fsr-3358	254	26	means	mean	NOUN
fsr-3358	254	27	to	to	PART
fsr-3358	254	28	increase	increase	VERB
fsr-3358	254	29	assets	asset	NOUN
fsr-3358	254	30	under	under	ADP
fsr-3358	254	31	administration	administration	NOUN
fsr-3358	254	32	.	.	PUNCT
fsr-3358	255	1	advisors	advisor	NOUN
fsr-3358	255	2	could	could	AUX
fsr-3358	255	3	also	also	ADV
fsr-3358	255	4	consider	consider	VERB
fsr-3358	255	5	a	a	DET
fsr-3358	255	6	goal	goal	NOUN
fsr-3358	255	7	-	-	PUNCT
fsr-3358	255	8	based	base	VERB
fsr-3358	255	9	approach	approach	NOUN
fsr-3358	255	10	that	that	PRON
fsr-3358	255	11	helps	help	VERB
fsr-3358	255	12	clients	client	NOUN
fsr-3358	255	13	keep	keep	VERB
fsr-3358	255	14	their	their	PRON
fsr-3358	255	15	investing	investing	NOUN
fsr-3358	255	16	activities	activity	NOUN
fsr-3358	255	17	in	in	ADP
fsr-3358	255	18	perspective	perspective	NOUN
fsr-3358	255	19	–	–	PUNCT
fsr-3358	255	20	i.e.	i.e.	X
fsr-3358	255	21	,	,	PUNCT
fsr-3358	255	22	encouraging	encouraging	ADJ
fsr-3358	255	23	activities	activity	NOUN
fsr-3358	255	24	,	,	PUNCT
fsr-3358	255	25	such	such	ADJ
fsr-3358	255	26	as	as	ADP
fsr-3358	255	27	saving	save	VERB
fsr-3358	255	28	,	,	PUNCT
fsr-3358	255	29	that	that	PRON
fsr-3358	255	30	will	will	AUX
fsr-3358	255	31	have	have	VERB
fsr-3358	255	32	the	the	DET
fsr-3358	255	33	strongest	strong	ADJ
fsr-3358	255	34	impact	impact	NOUN
fsr-3358	255	35	on	on	ADP
fsr-3358	255	36	their	their	PRON
fsr-3358	255	37	end	end	NOUN
fsr-3358	255	38	goals	goal	NOUN
fsr-3358	255	39	.	.	PUNCT
fsr-3358	256	1	employers	employer	NOUN
fsr-3358	256	2	are	be	AUX
fsr-3358	256	3	in	in	ADP
fsr-3358	256	4	a	a	DET
fsr-3358	256	5	unique	unique	ADJ
fsr-3358	256	6	position	position	NOUN
fsr-3358	256	7	to	to	PART
fsr-3358	256	8	encourage	encourage	VERB
fsr-3358	256	9	systematic	systematic	ADJ
fsr-3358	256	10	saving	saving	NOUN
fsr-3358	256	11	through	through	ADP
fsr-3358	256	12	payroll	payroll	NOUN
fsr-3358	256	13	deduction	deduction	NOUN
fsr-3358	256	14	.	.	PUNCT
fsr-3358	257	1	we	we	PRON
fsr-3358	257	2	would	would	AUX
fsr-3358	257	3	encourage	encourage	VERB
fsr-3358	257	4	employers	employer	NOUN
fsr-3358	257	5	to	to	PART
fsr-3358	257	6	strongly	strongly	ADV
fsr-3358	257	7	support	support	VERB
fsr-3358	257	8	saving	save	VERB
fsr-3358	257	9	plans	plan	NOUN
fsr-3358	257	10	for	for	ADP
fsr-3358	257	11	such	such	ADJ
fsr-3358	257	12	things	thing	NOUN
fsr-3358	257	13	as	as	ADP
fsr-3358	257	14	retirement	retirement	NOUN
fsr-3358	257	15	but	but	CCONJ
fsr-3358	257	16	to	to	PART
fsr-3358	257	17	also	also	ADV
fsr-3358	257	18	include	include	VERB
fsr-3358	257	19	plans	plan	NOUN
fsr-3358	257	20	for	for	ADP
fsr-3358	257	21	children	child	NOUN
fsr-3358	257	22	’s	’s	PART
fsr-3358	257	23	education	education	NOUN
fsr-3358	257	24	and	and	CCONJ
fsr-3358	257	25	emergency	emergency	NOUN
fsr-3358	257	26	accounts	account	NOUN
fsr-3358	257	27	.	.	PUNCT
fsr-3358	258	1	robust	robust	ADJ
fsr-3358	258	2	sponsorship	sponsorship	NOUN
fsr-3358	258	3	and	and	CCONJ
fsr-3358	258	4	participation	participation	NOUN
fsr-3358	258	5	in	in	ADP
fsr-3358	258	6	these	these	DET
fsr-3358	258	7	plans	plan	NOUN
fsr-3358	258	8	have	have	AUX
fsr-3358	258	9	been	be	AUX
fsr-3358	258	10	shown	show	VERB
fsr-3358	258	11	to	to	PART
fsr-3358	258	12	improve	improve	VERB
fsr-3358	258	13	employee	employee	NOUN
fsr-3358	258	14	wellness	wellness	NOUN
fsr-3358	258	15	with	with	ADP
fsr-3358	258	16	downstream	downstream	ADJ
fsr-3358	258	17	benefits	benefit	NOUN
fsr-3358	258	18	to	to	ADP
fsr-3358	258	19	the	the	DET
fsr-3358	258	20	employer	employer	NOUN
fsr-3358	258	21	in	in	ADP
fsr-3358	258	22	terms	term	NOUN
fsr-3358	258	23	of	of	ADP
fsr-3358	258	24	reduced	reduced	ADJ
fsr-3358	258	25	absence	absence	NOUN
fsr-3358	258	26	,	,	PUNCT
fsr-3358	258	27	higher	high	ADJ
fsr-3358	258	28	productivity	productivity	NOUN
fsr-3358	258	29	and	and	CCONJ
fsr-3358	258	30	stronger	strong	ADJ
fsr-3358	258	31	employee	employee	NOUN
fsr-3358	258	32	loyalty	loyalty	NOUN
fsr-3358	258	33	.	.	PUNCT
fsr-3358	259	1	grace	grace	NOUN
fsr-3358	259	2	et	et	PROPN
fsr-3358	259	3	al	al	PROPN
fsr-3358	259	4	.	.	PROPN
fsr-3358	259	5	15	15	NUM
fsr-3358	259	6	for	for	ADP
fsr-3358	259	7	consumers	consumer	NOUN
fsr-3358	259	8	,	,	PUNCT
fsr-3358	259	9	the	the	DET
fsr-3358	259	10	overwhelming	overwhelming	ADJ
fsr-3358	259	11	conclusion	conclusion	NOUN
fsr-3358	259	12	from	from	ADP
fsr-3358	259	13	our	our	PRON
fsr-3358	259	14	research	research	NOUN
fsr-3358	259	15	is	be	AUX
fsr-3358	259	16	to	to	PART
fsr-3358	259	17	embrace	embrace	VERB
fsr-3358	259	18	saving	saving	NOUN
fsr-3358	259	19	and	and	CCONJ
fsr-3358	259	20	simplicity	simplicity	NOUN
fsr-3358	259	21	.	.	PUNCT
fsr-3358	260	1	a	a	DET
fsr-3358	260	2	simple	simple	ADJ
fsr-3358	260	3	,	,	PUNCT
fsr-3358	260	4	automated	automate	VERB
fsr-3358	260	5	savings	saving	NOUN
fsr-3358	260	6	plan	plan	NOUN
fsr-3358	260	7	into	into	ADP
fsr-3358	260	8	a	a	DET
fsr-3358	260	9	diversified	diversified	ADJ
fsr-3358	260	10	portfolio	portfolio	NOUN
fsr-3358	260	11	is	be	AUX
fsr-3358	260	12	the	the	DET
fsr-3358	260	13	strongest	strong	ADJ
fsr-3358	260	14	way	way	NOUN
fsr-3358	260	15	to	to	PART
fsr-3358	260	16	achieve	achieve	VERB
fsr-3358	260	17	financial	financial	ADJ
fsr-3358	260	18	resilience	resilience	NOUN
fsr-3358	260	19	.	.	PUNCT
fsr-3358	261	1	factors	factor	NOUN
fsr-3358	261	2	such	such	ADJ
fsr-3358	261	3	as	as	ADP
fsr-3358	261	4	fees	fee	NOUN
fsr-3358	261	5	,	,	PUNCT
fsr-3358	261	6	taxes	taxis	NOUN
fsr-3358	261	7	,	,	PUNCT
fsr-3358	261	8	rebalancing	rebalancing	NOUN
fsr-3358	261	9	,	,	PUNCT
fsr-3358	261	10	asset	asset	NOUN
fsr-3358	261	11	mix	mix	NOUN
fsr-3358	261	12	etc	etc	X
fsr-3358	261	13	.	.	X
fsr-3358	261	14	can	can	AUX
fsr-3358	261	15	also	also	ADV
fsr-3358	261	16	be	be	AUX
fsr-3358	261	17	important	important	ADJ
fsr-3358	261	18	for	for	ADP
fsr-3358	261	19	some	some	DET
fsr-3358	261	20	investors	investor	NOUN
fsr-3358	261	21	,	,	PUNCT
fsr-3358	261	22	but	but	CCONJ
fsr-3358	261	23	it	it	PRON
fsr-3358	261	24	starts	start	VERB
fsr-3358	261	25	with	with	ADP
fsr-3358	261	26	saving	saving	NOUN
fsr-3358	261	27	and	and	CCONJ
fsr-3358	261	28	the	the	DET
fsr-3358	261	29	accumulation	accumulation	NOUN
fsr-3358	261	30	of	of	ADP
fsr-3358	261	31	investable	investable	ADJ
fsr-3358	261	32	capital	capital	NOUN
fsr-3358	261	33	.	.	PUNCT
fsr-3358	262	1	and	and	CCONJ
fsr-3358	262	2	the	the	DET
fsr-3358	262	3	first	first	ADJ
fsr-3358	262	4	step	step	NOUN
fsr-3358	262	5	need	need	AUX
fsr-3358	262	6	not	not	PART
fsr-3358	262	7	be	be	AUX
fsr-3358	262	8	intimidating	intimidate	VERB
fsr-3358	262	9	.	.	PUNCT
fsr-3358	263	1	further	further	ADJ
fsr-3358	263	2	research	research	VERB
fsr-3358	263	3	our	our	PRON
fsr-3358	263	4	research	research	NOUN
fsr-3358	263	5	points	point	NOUN
fsr-3358	263	6	towards	towards	ADP
fsr-3358	263	7	‘	'	PUNCT
fsr-3358	263	8	what	what	PRON
fsr-3358	263	9	to	to	PART
fsr-3358	263	10	do	do	AUX
fsr-3358	263	11	’	'	PUNCT
fsr-3358	263	12	but	but	CCONJ
fsr-3358	263	13	not	not	PART
fsr-3358	263	14	necessarily	necessarily	ADV
fsr-3358	263	15	‘	'	PUNCT
fsr-3358	263	16	how	how	SCONJ
fsr-3358	263	17	to	to	PART
fsr-3358	263	18	do	do	VERB
fsr-3358	263	19	it	it	PRON
fsr-3358	263	20	’	'	PUNCT
fsr-3358	263	21	.	.	PUNCT
fsr-3358	264	1	we	we	PRON
fsr-3358	264	2	would	would	AUX
fsr-3358	264	3	support	support	VERB
fsr-3358	264	4	future	future	ADJ
fsr-3358	264	5	research	research	NOUN
fsr-3358	264	6	into	into	ADP
fsr-3358	264	7	how	how	SCONJ
fsr-3358	264	8	policymakers	policymaker	NOUN
fsr-3358	264	9	,	,	PUNCT
fsr-3358	264	10	regulators	regulator	NOUN
fsr-3358	264	11	,	,	PUNCT
fsr-3358	264	12	industry	industry	NOUN
fsr-3358	264	13	,	,	PUNCT
fsr-3358	264	14	and	and	CCONJ
fsr-3358	264	15	advisors	advisor	NOUN
fsr-3358	264	16	can	can	AUX
fsr-3358	264	17	ensure	ensure	VERB
fsr-3358	264	18	strong	strong	ADJ
fsr-3358	264	19	savings	saving	NOUN
fsr-3358	264	20	behaviours	behaviour	NOUN
fsr-3358	264	21	over	over	ADP
fsr-3358	264	22	the	the	DET
fsr-3358	264	23	long	long	ADJ
fsr-3358	264	24	run	run	NOUN
fsr-3358	264	25	.	.	PUNCT
fsr-3358	265	1	in	in	ADP
fsr-3358	265	2	our	our	PRON
fsr-3358	265	3	datasets	dataset	NOUN
fsr-3358	265	4	,	,	PUNCT
fsr-3358	265	5	we	we	PRON
fsr-3358	265	6	observed	observe	VERB
fsr-3358	265	7	a	a	DET
fsr-3358	265	8	55	55	NUM
fsr-3358	265	9	%	%	NOUN
fsr-3358	265	10	to	to	PART
fsr-3358	265	11	60	60	NUM
fsr-3358	265	12	%	%	NOUN
fsr-3358	265	13	participation	participation	NOUN
fsr-3358	265	14	rate	rate	NOUN
fsr-3358	265	15	in	in	ADP
fsr-3358	265	16	systematic	systematic	ADJ
fsr-3358	265	17	trades	trade	NOUN
fsr-3358	265	18	.	.	PUNCT
fsr-3358	266	1	we	we	PRON
fsr-3358	266	2	would	would	AUX
fsr-3358	266	3	ask	ask	VERB
fsr-3358	266	4	‘	'	PUNCT
fsr-3358	266	5	what	what	PRON
fsr-3358	266	6	would	would	AUX
fsr-3358	266	7	it	it	PRON
fsr-3358	266	8	take	take	VERB
fsr-3358	266	9	’	'	PUNCT
fsr-3358	266	10	to	to	PART
fsr-3358	266	11	move	move	VERB
fsr-3358	266	12	participation	participation	NOUN
fsr-3358	266	13	rates	rate	NOUN
fsr-3358	266	14	to	to	ADP
fsr-3358	266	15	80	80	NUM
fsr-3358	266	16	%	%	NOUN
fsr-3358	266	17	or	or	CCONJ
fsr-3358	266	18	90	90	NUM
fsr-3358	266	19	%	%	NOUN
fsr-3358	266	20	?	?	PUNCT
fsr-3358	267	1	or	or	CCONJ
fsr-3358	267	2	to	to	PART
fsr-3358	267	3	drive	drive	VERB
fsr-3358	267	4	the	the	DET
fsr-3358	267	5	behaviours	behaviour	NOUN
fsr-3358	267	6	observed	observe	VERB
fsr-3358	267	7	in	in	ADP
fsr-3358	267	8	clusters	cluster	NOUN
fsr-3358	267	9	3	3	NUM
fsr-3358	267	10	and	and	CCONJ
fsr-3358	267	11	6	6	NUM
fsr-3358	267	12	from	from	ADP
fsr-3358	267	13	44	44	NUM
fsr-3358	267	14	%	%	NOUN
fsr-3358	267	15	of	of	ADP
fsr-3358	267	16	investors	investor	NOUN
fsr-3358	267	17	to	to	ADP
fsr-3358	267	18	60	60	NUM
fsr-3358	267	19	%	%	NOUN
fsr-3358	267	20	or	or	CCONJ
fsr-3358	267	21	70	70	NUM
fsr-3358	267	22	%	%	NOUN
fsr-3358	267	23	?	?	PUNCT
fsr-3358	268	1	in	in	ADP
fsr-3358	268	2	canada	canada	PROPN
fsr-3358	268	3	,	,	PUNCT
fsr-3358	268	4	industry	industry	NOUN
fsr-3358	268	5	sponsored	sponsor	VERB
fsr-3358	268	6	research	research	NOUN
fsr-3358	268	7	has	have	AUX
fsr-3358	268	8	explored	explore	VERB
fsr-3358	268	9	the	the	DET
fsr-3358	268	10	concept	concept	NOUN
fsr-3358	268	11	of	of	ADP
fsr-3358	268	12	advisor	advisor	NOUN
fsr-3358	268	13	alpha	alpha	NOUN
fsr-3358	268	14	–	–	PUNCT
fsr-3358	268	15	a	a	DET
fsr-3358	268	16	measure	measure	NOUN
fsr-3358	268	17	of	of	ADP
fsr-3358	268	18	the	the	DET
fsr-3358	268	19	value	value	NOUN
fsr-3358	268	20	derived	derive	VERB
fsr-3358	268	21	from	from	ADP
fsr-3358	268	22	advice	advice	NOUN
fsr-3358	268	23	.	.	PUNCT
fsr-3358	269	1	our	our	PRON
fsr-3358	269	2	research	research	NOUN
fsr-3358	269	3	hinted	hint	VERB
fsr-3358	269	4	at	at	ADP
fsr-3358	269	5	higher	high	ADJ
fsr-3358	269	6	savings	saving	NOUN
fsr-3358	269	7	rates	rate	NOUN
fsr-3358	269	8	in	in	ADP
fsr-3358	269	9	our	our	PRON
fsr-3358	269	10	advised	advise	VERB
fsr-3358	269	11	dataset	dataset	NOUN
fsr-3358	269	12	,	,	PUNCT
fsr-3358	269	13	but	but	CCONJ
fsr-3358	269	14	our	our	PRON
fsr-3358	269	15	diy	diy	NOUN
fsr-3358	269	16	dataset	dataset	NOUN
fsr-3358	269	17	was	be	AUX
fsr-3358	269	18	too	too	ADV
fsr-3358	269	19	small	small	ADJ
fsr-3358	269	20	to	to	PART
fsr-3358	269	21	be	be	AUX
fsr-3358	269	22	definitive	definitive	ADJ
fsr-3358	269	23	.	.	PUNCT
fsr-3358	270	1	we	we	PRON
fsr-3358	270	2	would	would	AUX
fsr-3358	270	3	support	support	VERB
fsr-3358	270	4	future	future	ADJ
fsr-3358	270	5	research	research	NOUN
fsr-3358	270	6	,	,	PUNCT
fsr-3358	270	7	in	in	ADP
fsr-3358	270	8	collaboration	collaboration	NOUN
fsr-3358	270	9	with	with	ADP
fsr-3358	270	10	industry	industry	NOUN
fsr-3358	270	11	partners	partner	NOUN
fsr-3358	270	12	,	,	PUNCT
fsr-3358	270	13	into	into	ADP
fsr-3358	270	14	the	the	DET
fsr-3358	270	15	role	role	NOUN
fsr-3358	270	16	advisors	advisor	NOUN
fsr-3358	270	17	play	play	VERB
fsr-3358	270	18	in	in	ADP
fsr-3358	270	19	encouraging	encourage	VERB
fsr-3358	270	20	strong	strong	ADJ
fsr-3358	270	21	savings	saving	NOUN
fsr-3358	270	22	behaviour	behaviour	NOUN
fsr-3358	270	23	.	.	PUNCT
fsr-3358	271	1	our	our	PRON
fsr-3358	271	2	research	research	NOUN
fsr-3358	271	3	was	be	AUX
fsr-3358	271	4	specific	specific	ADJ
fsr-3358	271	5	to	to	ADP
fsr-3358	271	6	retirement	retirement	NOUN
fsr-3358	271	7	accounts	account	NOUN
fsr-3358	271	8	.	.	PUNCT
fsr-3358	272	1	our	our	PRON
fsr-3358	272	2	conclusions	conclusion	NOUN
fsr-3358	272	3	would	would	AUX
fsr-3358	272	4	be	be	AUX
fsr-3358	272	5	strengthened	strengthen	VERB
fsr-3358	272	6	by	by	ADP
fsr-3358	272	7	an	an	DET
fsr-3358	272	8	examination	examination	NOUN
fsr-3358	272	9	of	of	ADP
fsr-3358	272	10	other	other	ADJ
fsr-3358	272	11	forms	form	NOUN
fsr-3358	272	12	of	of	ADP
fsr-3358	272	13	savings	saving	NOUN
fsr-3358	272	14	such	such	ADJ
fsr-3358	272	15	as	as	ADP
fsr-3358	272	16	saving	save	VERB
fsr-3358	272	17	accounts	account	NOUN
fsr-3358	272	18	or	or	CCONJ
fsr-3358	272	19	tax	tax	NOUN
fsr-3358	272	20	-	-	PUNCT
fsr-3358	272	21	free	free	ADJ
fsr-3358	272	22	accounts	account	NOUN
fsr-3358	272	23	.	.	PUNCT
fsr-3358	273	1	we	we	PRON
fsr-3358	273	2	plan	plan	VERB
fsr-3358	273	3	to	to	PART
fsr-3358	273	4	explore	explore	VERB
fsr-3358	273	5	those	those	DET
fsr-3358	273	6	areas	area	NOUN
fsr-3358	273	7	next	next	ADV
fsr-3358	273	8	.	.	PUNCT
fsr-3358	274	1	our	our	PRON
fsr-3358	274	2	research	research	NOUN
fsr-3358	274	3	deployed	deploy	VERB
fsr-3358	274	4	several	several	ADJ
fsr-3358	274	5	methodological	methodological	ADJ
fsr-3358	274	6	approaches	approach	NOUN
fsr-3358	274	7	to	to	ADP
fsr-3358	274	8	clustering	cluster	VERB
fsr-3358	274	9	financial	financial	ADJ
fsr-3358	274	10	data	datum	NOUN
fsr-3358	274	11	.	.	PUNCT
fsr-3358	275	1	while	while	SCONJ
fsr-3358	275	2	we	we	PRON
fsr-3358	275	3	are	be	AUX
fsr-3358	275	4	confident	confident	ADJ
fsr-3358	275	5	in	in	ADP
fsr-3358	275	6	the	the	DET
fsr-3358	275	7	robustness	robustness	NOUN
fsr-3358	275	8	of	of	ADP
fsr-3358	275	9	our	our	PRON
fsr-3358	275	10	analysis	analysis	NOUN
fsr-3358	275	11	,	,	PUNCT
fsr-3358	275	12	further	further	ADJ
fsr-3358	275	13	research	research	NOUN
fsr-3358	275	14	would	would	AUX
fsr-3358	275	15	be	be	AUX
fsr-3358	275	16	beneficial	beneficial	ADJ
fsr-3358	275	17	in	in	ADP
fsr-3358	275	18	helping	help	VERB
fsr-3358	275	19	to	to	PART
fsr-3358	275	20	identify	identify	VERB
fsr-3358	275	21	best	good	ADJ
fsr-3358	275	22	practices	practice	NOUN
fsr-3358	275	23	when	when	SCONJ
fsr-3358	275	24	researching	research	VERB
fsr-3358	275	25	with	with	ADP
fsr-3358	275	26	financial	financial	ADJ
fsr-3358	275	27	data	datum	NOUN
fsr-3358	275	28	.	.	PUNCT
fsr-3358	276	1	finally	finally	ADV
fsr-3358	276	2	,	,	PUNCT
fsr-3358	276	3	our	our	PRON
fsr-3358	276	4	research	research	NOUN
fsr-3358	276	5	has	have	AUX
fsr-3358	276	6	not	not	PART
fsr-3358	276	7	addressed	address	VERB
fsr-3358	276	8	the	the	DET
fsr-3358	276	9	question	question	NOUN
fsr-3358	276	10	of	of	ADP
fsr-3358	276	11	‘	'	PUNCT
fsr-3358	276	12	how	how	SCONJ
fsr-3358	276	13	much	much	ADJ
fsr-3358	276	14	is	be	AUX
fsr-3358	276	15	enough	enough	ADJ
fsr-3358	276	16	’	'	PUNCT
fsr-3358	276	17	.	.	PUNCT
fsr-3358	277	1	is	be	AUX
fsr-3358	277	2	there	there	PRON
fsr-3358	277	3	a	a	DET
fsr-3358	277	4	recommended	recommend	VERB
fsr-3358	277	5	minimum	minimum	ADJ
fsr-3358	277	6	saving	saving	NOUN
fsr-3358	277	7	amount	amount	NOUN
fsr-3358	277	8	?	?	PUNCT
fsr-3358	278	1	does	do	AUX
fsr-3358	278	2	that	that	PRON
fsr-3358	278	3	amount	amount	VERB
fsr-3358	278	4	change	change	NOUN
fsr-3358	278	5	depending	depend	VERB
fsr-3358	278	6	on	on	ADP
fsr-3358	278	7	the	the	DET
fsr-3358	278	8	goal	goal	NOUN
fsr-3358	278	9	or	or	CCONJ
fsr-3358	278	10	the	the	DET
fsr-3358	278	11	time	time	NOUN
fsr-3358	278	12	horizon	horizon	NOUN
fsr-3358	278	13	?	?	PUNCT
fsr-3358	279	1	is	be	AUX
fsr-3358	279	2	it	it	PRON
fsr-3358	279	3	better	well	ADJ
fsr-3358	279	4	to	to	PART
fsr-3358	279	5	save	save	VERB
fsr-3358	279	6	or	or	CCONJ
fsr-3358	279	7	eliminate	eliminate	VERB
fsr-3358	279	8	debt	debt	NOUN
fsr-3358	279	9	?	?	PUNCT
fsr-3358	280	1	we	we	PRON
fsr-3358	280	2	have	have	AUX
fsr-3358	280	3	left	leave	VERB
fsr-3358	280	4	all	all	DET
fsr-3358	280	5	these	these	DET
fsr-3358	280	6	questions	question	NOUN
fsr-3358	280	7	for	for	ADP
fsr-3358	280	8	future	future	ADJ
fsr-3358	280	9	papers	paper	NOUN
fsr-3358	280	10	and	and	CCONJ
fsr-3358	280	11	collaborations	collaboration	NOUN
fsr-3358	280	12	.	.	PUNCT
fsr-3358	281	1	disclosures	disclosure	NOUN
fsr-3358	281	2	acknowledgements	acknowledgement	NOUN
fsr-3358	281	3	:	:	PUNCT
fsr-3358	281	4	the	the	DET
fsr-3358	281	5	authors	author	NOUN
fsr-3358	281	6	wish	wish	VERB
fsr-3358	281	7	to	to	PART
fsr-3358	281	8	thank	thank	VERB
fsr-3358	281	9	and	and	CCONJ
fsr-3358	281	10	acknowledge	acknowledge	VERB
fsr-3358	281	11	matt	matt	PROPN
fsr-3358	281	12	davison	davison	PROPN
fsr-3358	281	13	and	and	CCONJ
fsr-3358	281	14	nicole	nicole	PROPN
fsr-3358	281	15	carleton	carleton	PROPN
fsr-3358	281	16	for	for	ADP
fsr-3358	281	17	their	their	PRON
fsr-3358	281	18	expertise	expertise	NOUN
fsr-3358	281	19	and	and	CCONJ
fsr-3358	281	20	advice	advice	NOUN
fsr-3358	281	21	during	during	ADP
fsr-3358	281	22	the	the	DET
fsr-3358	281	23	final	final	ADJ
fsr-3358	281	24	edits	edit	NOUN
fsr-3358	281	25	on	on	ADP
fsr-3358	281	26	the	the	DET
fsr-3358	281	27	paper	paper	NOUN
fsr-3358	281	28	.	.	PUNCT
fsr-3358	282	1	the	the	DET
fsr-3358	282	2	authors	author	NOUN
fsr-3358	282	3	also	also	ADV
fsr-3358	282	4	thank	thank	VERB
fsr-3358	282	5	mark	mark	PROPN
fsr-3358	282	6	reesor	reesor	PROPN
fsr-3358	282	7	(	(	PUNCT
fsr-3358	282	8	wilfrid	wilfrid	PROPN
fsr-3358	282	9	laurier	laurier	PROPN
fsr-3358	282	10	university	university	PROPN
fsr-3358	282	11	)	)	PUNCT
fsr-3358	282	12	,	,	PUNCT
fsr-3358	282	13	kristina	kristina	PROPN
fsr-3358	282	14	sendova	sendova	PROPN
fsr-3358	282	15	(	(	PUNCT
fsr-3358	282	16	western	western	ADJ
fsr-3358	282	17	university	university	NOUN
fsr-3358	282	18	)	)	PUNCT
fsr-3358	282	19	and	and	CCONJ
fsr-3358	282	20	the	the	DET
fsr-3358	282	21	many	many	ADJ
fsr-3358	282	22	members	member	NOUN
fsr-3358	282	23	of	of	ADP
fsr-3358	282	24	our	our	PRON
fsr-3358	282	25	data	data	NOUN
fsr-3358	282	26	donor	donor	NOUN
fsr-3358	282	27	team	team	NOUN
fsr-3358	282	28	for	for	ADP
fsr-3358	282	29	their	their	PRON
fsr-3358	282	30	invaluable	invaluable	ADJ
fsr-3358	282	31	insights	insight	NOUN
fsr-3358	282	32	that	that	PRON
fsr-3358	282	33	improved	improve	VERB
fsr-3358	282	34	the	the	DET
fsr-3358	282	35	content	content	NOUN
fsr-3358	282	36	and	and	CCONJ
fsr-3358	282	37	conclusions	conclusion	NOUN
fsr-3358	282	38	of	of	ADP
fsr-3358	282	39	this	this	DET
fsr-3358	282	40	document	document	NOUN
fsr-3358	282	41	.	.	PUNCT
fsr-3358	283	1	author	author	NOUN
fsr-3358	283	2	contributions	contribution	NOUN
fsr-3358	283	3	:	:	PUNCT
fsr-3358	283	4	conceptualization	conceptualization	NOUN
fsr-3358	283	5	,	,	PUNCT
fsr-3358	283	6	c.g	c.g	PROPN
fsr-3358	283	7	.	.	PROPN
fsr-3358	283	8	and	and	CCONJ
fsr-3358	283	9	a.m	a.m	PROPN
fsr-3358	283	10	;	;	PUNCT
fsr-3358	283	11	data	datum	NOUN
fsr-3358	283	12	curation	curation	NOUN
fsr-3358	283	13	,	,	PUNCT
fsr-3358	283	14	l.f	l.f	PROPN
fsr-3358	283	15	.	.	PROPN
fsr-3358	283	16	,	,	PUNCT
fsr-3358	283	17	y.m	y.m	PROPN
fsr-3358	283	18	and	and	CCONJ
fsr-3358	283	19	a.f	a.f	PROPN
fsr-3358	283	20	.	.	PROPN
fsr-3358	283	21	;	;	PUNCT
fsr-3358	283	22	methodology	methodology	NOUN
fsr-3358	283	23	,	,	PUNCT
fsr-3358	283	24	c.g	c.g	PROPN
fsr-3358	283	25	,	,	PUNCT
fsr-3358	283	26	a.m.	a.m.	ADV
fsr-3358	283	27	,	,	PUNCT
fsr-3358	283	28	y.m	y.m	PROPN
fsr-3358	283	29	.	.	PROPN
fsr-3358	283	30	,	,	PUNCT
fsr-3358	283	31	af	af	PROPN
fsr-3358	283	32	;	;	PUNCT
fsr-3358	283	33	software	software	NOUN
fsr-3358	283	34	,	,	PUNCT
fsr-3358	283	35	l.f	l.f	PROPN
fsr-3358	283	36	.	.	PROPN
fsr-3358	283	37	;	;	PUNCT
fsr-3358	283	38	validation	validation	NOUN
fsr-3358	283	39	,	,	PUNCT
fsr-3358	283	40	a.m.	a.m.	ADV
fsr-3358	283	41	,	,	PUNCT
fsr-3358	283	42	y.m	y.m	PROPN
fsr-3358	283	43	.	.	PROPN
fsr-3358	283	44	;	;	PUNCT
fsr-3358	283	45	formal	formal	ADJ
fsr-3358	283	46	analysis	analysis	NOUN
fsr-3358	283	47	,	,	PUNCT
fsr-3358	283	48	a.m.	a.m.	ADV
fsr-3358	283	49	,	,	PUNCT
fsr-3358	283	50	y.m	y.m	PROPN
fsr-3358	283	51	.	.	PROPN
fsr-3358	283	52	l.f	l.f	PROPN
fsr-3358	283	53	.	.	PROPN
fsr-3358	283	54	,	,	PUNCT
fsr-3358	283	55	a.f	a.f	PROPN
fsr-3358	283	56	.	.	PROPN
fsr-3358	283	57	;	;	PUNCT
fsr-3358	283	58	resources	resource	NOUN
fsr-3358	283	59	,	,	PUNCT
fsr-3358	283	60	c.g	c.g	PROPN
fsr-3358	283	61	.	.	PROPN
fsr-3358	283	62	and	and	CCONJ
fsr-3358	283	63	a.m.	a.m.	ADV
fsr-3358	283	64	;	;	PUNCT
fsr-3358	283	65	writing	write	VERB
fsr-3358	283	66	original	original	ADJ
fsr-3358	283	67	draft	draft	NOUN
fsr-3358	283	68	preparation	preparation	NOUN
fsr-3358	283	69	,	,	PUNCT
fsr-3358	283	70	c.g	c.g	PROPN
fsr-3358	283	71	.	.	PROPN
fsr-3358	283	72	;	;	PUNCT
fsr-3358	283	73	writing	writing	NOUN
fsr-3358	283	74	—	—	PUNCT
fsr-3358	283	75	review	review	NOUN
fsr-3358	283	76	and	and	CCONJ
fsr-3358	283	77	editing	editing	NOUN
fsr-3358	283	78	,	,	PUNCT
fsr-3358	283	79	c.g	c.g	PROPN
fsr-3358	283	80	,	,	PUNCT
fsr-3358	283	81	a.m.	a.m.	ADV
fsr-3358	283	82	,	,	PUNCT
fsr-3358	283	83	l.f	l.f	PROPN
fsr-3358	283	84	.	.	PROPN
fsr-3358	283	85	y.m	y.m	PROPN
fsr-3358	283	86	.	.	PROPN
fsr-3358	283	87	and	and	CCONJ
fsr-3358	283	88	a.f	a.f	PROPN
fsr-3358	283	89	.	.	PROPN
fsr-3358	283	90	;	;	PUNCT
fsr-3358	283	91	visualization	visualization	NOUN
fsr-3358	283	92	,	,	PUNCT
fsr-3358	283	93	a.m.	a.m.	NOUN
fsr-3358	283	94	and	and	CCONJ
fsr-3358	283	95	l.f	l.f	PROPN
fsr-3358	283	96	.	.	PROPN
fsr-3358	283	97	;	;	PUNCT
fsr-3358	283	98	supervision	supervision	NOUN
fsr-3358	283	99	,	,	PUNCT
fsr-3358	283	100	c.g	c.g	PROPN
fsr-3358	283	101	.	.	PROPN
fsr-3358	283	102	,	,	PUNCT
fsr-3358	283	103	and	and	CCONJ
fsr-3358	283	104	a.m.	a.m.	ADV
fsr-3358	283	105	;	;	PUNCT
fsr-3358	283	106	project	project	NOUN
fsr-3358	283	107	administration	administration	NOUN
fsr-3358	283	108	,	,	PUNCT
fsr-3358	283	109	c.g	c.g	PROPN
fsr-3358	283	110	.	.	PROPN
fsr-3358	284	1	all	all	DET
fsr-3358	284	2	authors	author	NOUN
fsr-3358	284	3	have	have	AUX
fsr-3358	284	4	read	read	VERB
fsr-3358	284	5	and	and	CCONJ
fsr-3358	284	6	agreed	agree	VERB
fsr-3358	284	7	to	to	ADP
fsr-3358	284	8	the	the	DET
fsr-3358	284	9	published	publish	VERB
fsr-3358	284	10	version	version	NOUN
fsr-3358	284	11	of	of	ADP
fsr-3358	284	12	the	the	DET
fsr-3358	284	13	manuscript	manuscript	NOUN
fsr-3358	284	14	.	.	PUNCT
fsr-3358	285	1	funding	funding	NOUN
fsr-3358	285	2	:	:	PUNCT
fsr-3358	285	3	this	this	DET
fsr-3358	285	4	research	research	NOUN
fsr-3358	285	5	was	be	AUX
fsr-3358	285	6	supported	support	VERB
fsr-3358	285	7	,	,	PUNCT
fsr-3358	285	8	in	in	ADP
fsr-3358	285	9	part	part	NOUN
fsr-3358	285	10	,	,	PUNCT
fsr-3358	285	11	by	by	ADP
fsr-3358	285	12	funding	fund	VERB
fsr-3358	285	13	from	from	ADP
fsr-3358	285	14	the	the	DET
fsr-3358	285	15	financial	financial	ADJ
fsr-3358	285	16	wellness	wellness	NOUN
fsr-3358	285	17	lab	lab	NOUN
fsr-3358	285	18	at	at	ADP
fsr-3358	285	19	western	western	ADJ
fsr-3358	285	20	university	university	NOUN
fsr-3358	285	21	,	,	PUNCT
fsr-3358	285	22	natural	natural	ADJ
fsr-3358	285	23	sciences	science	NOUN
fsr-3358	285	24	and	and	CCONJ
fsr-3358	285	25	engineering	engineering	NOUN
fsr-3358	285	26	research	research	NOUN
fsr-3358	285	27	council	council	PROPN
fsr-3358	285	28	of	of	ADP
fsr-3358	285	29	canada	canada	PROPN
fsr-3358	285	30	,	,	PUNCT
fsr-3358	285	31	and	and	CCONJ
fsr-3358	285	32	our	our	PRON
fsr-3358	285	33	anonymous	anonymous	ADJ
fsr-3358	285	34	industry	industry	NOUN
fsr-3358	285	35	partners	partner	NOUN
fsr-3358	285	36	.	.	PUNCT
fsr-3358	286	1	institutional	institutional	ADJ
fsr-3358	286	2	review	review	PROPN
fsr-3358	286	3	board	board	NOUN
fsr-3358	286	4	statement	statement	NOUN
fsr-3358	286	5	:	:	PUNCT
fsr-3358	286	6	the	the	DET
fsr-3358	286	7	study	study	NOUN
fsr-3358	286	8	was	be	AUX
fsr-3358	286	9	conducted	conduct	VERB
fsr-3358	286	10	according	accord	VERB
fsr-3358	286	11	to	to	ADP
fsr-3358	286	12	the	the	DET
fsr-3358	286	13	guidelines	guideline	NOUN
fsr-3358	286	14	of	of	ADP
fsr-3358	286	15	the	the	DET
fsr-3358	286	16	government	government	NOUN
fsr-3358	286	17	of	of	ADP
fsr-3358	286	18	canada	canada	PROPN
fsr-3358	286	19	’s	’s	PART
fsr-3358	286	20	tri	tri	ADJ
fsr-3358	286	21	-	-	ADJ
fsr-3358	286	22	council	council	ADJ
fsr-3358	286	23	policy	policy	NOUN
fsr-3358	286	24	statement	statement	NOUN
fsr-3358	286	25	:	:	PUNCT
fsr-3358	286	26	ethical	ethical	ADJ
fsr-3358	286	27	conduct	conduct	NOUN
fsr-3358	286	28	for	for	ADP
fsr-3358	286	29	research	research	NOUN
fsr-3358	286	30	involving	involve	VERB
fsr-3358	286	31	humans	human	NOUN
fsr-3358	286	32	(	(	PUNCT
fsr-3358	286	33	tcps	tcp	NOUN
fsr-3358	286	34	2	2	NUM
fsr-3358	286	35	)	)	PUNCT
fsr-3358	286	36	and	and	CCONJ
fsr-3358	286	37	approved	approve	VERB
fsr-3358	286	38	by	by	ADP
fsr-3358	286	39	the	the	DET
fsr-3358	286	40	research	research	NOUN
fsr-3358	286	41	ethics	ethic	NOUN
fsr-3358	286	42	board	board	PROPN
fsr-3358	286	43	of	of	ADP
fsr-3358	286	44	western	western	ADJ
fsr-3358	286	45	university	university	PROPN
fsr-3358	286	46	(	(	PUNCT
fsr-3358	286	47	reb	reb	PROPN
fsr-3358	286	48	#	#	SYM
fsr-3358	286	49	118582	118582	NUM
fsr-3358	286	50	,	,	PUNCT
fsr-3358	286	51	approved	approve	VERB
fsr-3358	286	52	april	april	PROPN
fsr-3358	286	53	2022	2022	NUM
fsr-3358	286	54	)	)	PUNCT
fsr-3358	286	55	.	.	PUNCT
fsr-3358	287	1	informed	informed	ADJ
fsr-3358	287	2	consent	consent	NOUN
fsr-3358	287	3	statement	statement	NOUN
fsr-3358	287	4	:	:	PUNCT
fsr-3358	287	5	the	the	DET
fsr-3358	287	6	data	data	NOUN
fsr-3358	287	7	source	source	NOUN
fsr-3358	287	8	is	be	AUX
fsr-3358	287	9	secondary	secondary	ADJ
fsr-3358	287	10	and	and	CCONJ
fsr-3358	287	11	provided	provide	VERB
fsr-3358	287	12	to	to	ADP
fsr-3358	287	13	us	we	PRON
fsr-3358	287	14	from	from	ADP
fsr-3358	287	15	the	the	DET
fsr-3358	287	16	private	private	ADJ
fsr-3358	287	17	data	datum	NOUN
fsr-3358	287	18	donor	donor	NOUN
fsr-3358	287	19	.	.	PUNCT
fsr-3358	288	1	additionally	additionally	ADV
fsr-3358	288	2	,	,	PUNCT
fsr-3358	288	3	the	the	DET
fsr-3358	288	4	data	datum	NOUN
fsr-3358	288	5	has	have	AUX
fsr-3358	288	6	been	be	AUX
fsr-3358	288	7	anonymized	anonymize	VERB
fsr-3358	288	8	so	so	SCONJ
fsr-3358	288	9	individuals	individual	NOUN
fsr-3358	288	10	can	can	AUX
fsr-3358	288	11	not	not	PART
fsr-3358	288	12	be	be	AUX
fsr-3358	288	13	identified	identify	VERB
fsr-3358	288	14	by	by	ADP
fsr-3358	288	15	their	their	PRON
fsr-3358	288	16	accounts	account	NOUN
fsr-3358	288	17	.	.	PUNCT
fsr-3358	289	1	this	this	PRON
fsr-3358	289	2	was	be	AUX
fsr-3358	289	3	approved	approve	VERB
fsr-3358	289	4	by	by	ADP
fsr-3358	289	5	the	the	DET
fsr-3358	289	6	ethics	ethic	NOUN
fsr-3358	289	7	board	board	PROPN
fsr-3358	289	8	above	above	ADV
fsr-3358	289	9	.	.	PUNCT
fsr-3358	290	1	data	datum	NOUN
fsr-3358	290	2	availability	availability	NOUN
fsr-3358	290	3	statement	statement	NOUN
fsr-3358	290	4	:	:	PUNCT
fsr-3358	291	1	the	the	DET
fsr-3358	291	2	data	datum	NOUN
fsr-3358	291	3	used	use	VERB
fsr-3358	291	4	in	in	ADP
fsr-3358	291	5	this	this	DET
fsr-3358	291	6	paper	paper	NOUN
fsr-3358	291	7	contains	contain	VERB
fsr-3358	291	8	personal	personal	ADJ
fsr-3358	291	9	information	information	NOUN
fsr-3358	291	10	for	for	ADP
fsr-3358	291	11	a	a	DET
fsr-3358	291	12	number	number	NOUN
fsr-3358	291	13	of	of	ADP
fsr-3358	291	14	canadians	canadian	NOUN
fsr-3358	291	15	and	and	CCONJ
fsr-3358	291	16	can	can	AUX
fsr-3358	291	17	not	not	PART
fsr-3358	291	18	be	be	AUX
fsr-3358	291	19	shared	share	VERB
fsr-3358	291	20	due	due	ADP
fsr-3358	291	21	to	to	ADP
fsr-3358	291	22	a	a	DET
fsr-3358	291	23	nondisclosure	nondisclosure	NOUN
fsr-3358	291	24	agreement	agreement	NOUN
fsr-3358	291	25	with	with	ADP
fsr-3358	291	26	our	our	PRON
fsr-3358	291	27	private	private	ADJ
fsr-3358	291	28	data	datum	NOUN
fsr-3358	291	29	donor	donor	NOUN
fsr-3358	291	30	.	.	PUNCT
fsr-3358	292	1	conflicts	conflict	NOUN
fsr-3358	292	2	of	of	ADP
fsr-3358	292	3	interest	interest	NOUN
fsr-3358	292	4	:	:	PUNCT
fsr-3358	292	5	the	the	DET
fsr-3358	292	6	dataset	dataset	NOUN
fsr-3358	292	7	discussed	discuss	VERB
fsr-3358	292	8	herein	herein	NOUN
fsr-3358	292	9	was	be	AUX
fsr-3358	292	10	designed	design	VERB
fsr-3358	292	11	and	and	CCONJ
fsr-3358	292	12	collected	collect	VERB
fsr-3358	292	13	by	by	ADP
fsr-3358	292	14	a	a	DET
fsr-3358	292	15	private	private	ADJ
fsr-3358	292	16	industry	industry	NOUN
fsr-3358	292	17	financial	financial	ADJ
fsr-3358	292	18	dealership	dealership	NOUN
fsr-3358	292	19	that	that	PRON
fsr-3358	292	20	,	,	PUNCT
fsr-3358	292	21	in	in	ADP
fsr-3358	292	22	part	part	NOUN
fsr-3358	292	23	,	,	PUNCT
fsr-3358	292	24	funded	fund	VERB
fsr-3358	292	25	this	this	DET
fsr-3358	292	26	research	research	NOUN
fsr-3358	292	27	.	.	PUNCT
fsr-3358	293	1	the	the	DET
fsr-3358	293	2	funders	funder	NOUN
fsr-3358	293	3	had	have	VERB
fsr-3358	293	4	no	no	DET
fsr-3358	293	5	role	role	NOUN
fsr-3358	293	6	in	in	ADP
fsr-3358	293	7	the	the	DET
fsr-3358	293	8	analyses	analysis	NOUN
fsr-3358	293	9	financial	financial	ADJ
fsr-3358	293	10	services	service	NOUN
fsr-3358	293	11	review	review	NOUN
fsr-3358	293	12	,	,	PUNCT
fsr-3358	293	13	32(2	32(2	NUM
fsr-3358	293	14	)	)	PUNCT
fsr-3358	293	15	16	16	NUM
fsr-3358	293	16	or	or	CCONJ
fsr-3358	293	17	interpretation	interpretation	NOUN
fsr-3358	293	18	of	of	ADP
fsr-3358	293	19	the	the	DET
fsr-3358	293	20	data	datum	NOUN
fsr-3358	293	21	,	,	PUNCT
fsr-3358	293	22	in	in	ADP
fsr-3358	293	23	the	the	DET
fsr-3358	293	24	writing	writing	NOUN
fsr-3358	293	25	of	of	ADP
fsr-3358	293	26	the	the	DET
fsr-3358	293	27	manuscript	manuscript	NOUN
fsr-3358	293	28	,	,	PUNCT
fsr-3358	293	29	or	or	CCONJ
fsr-3358	293	30	in	in	ADP
fsr-3358	293	31	the	the	DET
fsr-3358	293	32	decision	decision	NOUN
fsr-3358	293	33	to	to	PART
fsr-3358	293	34	publish	publish	VERB
fsr-3358	293	35	the	the	DET
fsr-3358	293	36	results	result	NOUN
fsr-3358	293	37	.	.	PUNCT
fsr-3358	294	1	abbreviations	abbreviation	NOUN
fsr-3358	294	2	the	the	DET
fsr-3358	294	3	following	follow	VERB
fsr-3358	294	4	abbreviations	abbreviation	NOUN
fsr-3358	294	5	are	be	AUX
fsr-3358	294	6	used	use	VERB
fsr-3358	294	7	in	in	ADP
fsr-3358	294	8	this	this	DET
fsr-3358	294	9	manuscript	manuscript	NOUN
fsr-3358	294	10	:	:	PUNCT
fsr-3358	294	11	anova	anova	VERB
fsr-3358	294	12	analysis	analysis	NOUN
fsr-3358	294	13	of	of	ADP
fsr-3358	294	14	variance	variance	NOUN
fsr-3358	294	15	aua	aua	PROPN
fsr-3358	294	16	assets	asset	NOUN
fsr-3358	294	17	under	under	ADP
fsr-3358	294	18	administration	administration	PROPN
fsr-3358	294	19	cad	cad	PROPN
fsr-3358	294	20	canadian	canadian	PROPN
fsr-3358	294	21	dollars	dollars	PROPN
fsr-3358	294	22	cr	cr	PROPN
fsr-3358	294	23	contribution	contribution	NOUN
fsr-3358	294	24	rate	rate	NOUN
fsr-3358	294	25	(	(	PUNCT
fsr-3358	294	26	savings	saving	NOUN
fsr-3358	294	27	or	or	CCONJ
fsr-3358	294	28	deposits	deposit	NOUN
fsr-3358	294	29	)	)	PUNCT
fsr-3358	294	30	diy	diy	NOUN
fsr-3358	294	31	do	do	VERB
fsr-3358	294	32	it	it	PRON
fsr-3358	294	33	yourself	yourself	PRON
fsr-3358	294	34	drip	drip	VERB
fsr-3358	294	35	dividend	dividend	NOUN
fsr-3358	294	36	reinvestment	reinvestment	NOUN
fsr-3358	294	37	program	program	NOUN
fsr-3358	294	38	etf	etf	NOUN
fsr-3358	294	39	exchange	exchange	PROPN
fsr-3358	294	40	traded	trade	VERB
fsr-3358	294	41	fund	fund	NOUN
fsr-3358	294	42	finra	finra	PROPN
fsr-3358	294	43	financial	financial	PROPN
fsr-3358	294	44	industry	industry	PROPN
fsr-3358	294	45	regulatory	regulatory	ADJ
fsr-3358	294	46	authority	authority	NOUN
fsr-3358	294	47	iiroc	iiroc	ADJ
fsr-3358	294	48	investment	investment	NOUN
fsr-3358	294	49	industry	industry	NOUN
fsr-3358	294	50	regulatory	regulatory	ADJ
fsr-3358	294	51	organization	organization	NOUN
fsr-3358	294	52	of	of	ADP
fsr-3358	294	53	canada	canada	PROPN
fsr-3358	294	54	irr	irr	PROPN
fsr-3358	294	55	internal	internal	ADJ
fsr-3358	294	56	rate	rate	NOUN
fsr-3358	294	57	of	of	ADP
fsr-3358	294	58	return	return	NOUN
fsr-3358	294	59	kyc	kyc	PROPN
fsr-3358	294	60	know	know	VERB
fsr-3358	294	61	your	your	PRON
fsr-3358	294	62	client	client	NOUN
fsr-3358	294	63	kyp	kyp	NOUN
fsr-3358	294	64	know	know	VERB
fsr-3358	294	65	your	your	PRON
fsr-3358	294	66	product	product	NOUN
fsr-3358	294	67	pac	pac	PROPN
fsr-3358	294	68	preauthorized	preauthorized	ADJ
fsr-3358	294	69	contribution	contribution	PROPN
fsr-3358	294	70	rsp	rsp	PROPN
fsr-3358	294	71	registered	register	VERB
fsr-3358	294	72	savings	saving	NOUN
fsr-3358	294	73	plan	plan	NOUN
fsr-3358	294	74	rrsp	rrsp	PROPN
fsr-3358	295	1	registered	register	VERB
fsr-3358	295	2	retirement	retirement	NOUN
fsr-3358	295	3	savings	saving	NOUN
fsr-3358	295	4	plan	plan	NOUN
fsr-3358	295	5	tfsa	tfsa	VERB
fsr-3358	295	6	tax	tax	NOUN
fsr-3358	295	7	free	free	ADJ
fsr-3358	295	8	savings	saving	NOUN
fsr-3358	295	9	account	account	NOUN
fsr-3358	295	10	appendices	appendix	NOUN
fsr-3358	295	11	appendix	appendix	VERB
fsr-3358	295	12	1	1	NUM
fsr-3358	295	13	:	:	PUNCT
fsr-3358	295	14	industry	industry	NOUN
fsr-3358	295	15	investment	investment	NOUN
fsr-3358	295	16	return	return	NOUN
fsr-3358	295	17	benchmarks	benchmark	NOUN
fsr-3358	295	18	(	(	PUNCT
fsr-3358	295	19	august	august	PROPN
fsr-3358	295	20	2	2	NUM
fsr-3358	295	21	,	,	PUNCT
fsr-3358	295	22	2019	2019	NUM
fsr-3358	295	23	to	to	ADP
fsr-3358	295	24	august	august	PROPN
fsr-3358	295	25	5	5	NUM
fsr-3358	295	26	,	,	PUNCT
fsr-3358	295	27	2022	2022	NUM
fsr-3358	295	28	)	)	PUNCT
fsr-3358	295	29	asset	asset	NOUN
fsr-3358	295	30	mix	mix	NOUN
fsr-3358	295	31	(	(	PUNCT
fsr-3358	295	32	equity	equity	NOUN
fsr-3358	295	33	/	/	SYM
fsr-3358	295	34	fi	fi	NOUN
fsr-3358	295	35	)	)	PUNCT
fsr-3358	295	36	asset	asset	NOUN
fsr-3358	295	37	class	class	NOUN
fsr-3358	295	38	investment	investment	NOUN
fsr-3358	295	39	proxy	proxy	NOUN
fsr-3358	295	40	returns	return	NOUN
fsr-3358	295	41	80/20	80/20	NUM
fsr-3358	295	42	60/40	60/40	NUM
fsr-3358	295	43	50/50	50/50	NUM
fsr-3358	295	44	fixed	fix	VERB
fsr-3358	295	45	income	income	NOUN
fsr-3358	295	46	ishares	ishares	PROPN
fsr-3358	295	47	core	core	PROPN
fsr-3358	295	48	canadian	canadian	ADJ
fsr-3358	295	49	universe	universe	NOUN
fsr-3358	295	50	bond	bond	NOUN
fsr-3358	295	51	index	index	NOUN
fsr-3358	295	52	etf	etf	NOUN
fsr-3358	295	53	(	(	PUNCT
fsr-3358	295	54	xbb.to	xbb.to	PROPN
fsr-3358	295	55	)	)	PUNCT
fsr-3358	296	1	-4.2	-4.2	NUM
fsr-3358	296	2	%	%	NOUN
fsr-3358	296	3	20	20	NUM
fsr-3358	296	4	%	%	NOUN
fsr-3358	296	5	40	40	NUM
fsr-3358	296	6	%	%	NOUN
fsr-3358	296	7	50	50	NUM
fsr-3358	296	8	%	%	NOUN
fsr-3358	296	9	cdn	cdn	PROPN
fsr-3358	296	10	equity	equity	PROPN
fsr-3358	296	11	ishares	ishares	PROPN
fsr-3358	296	12	core	core	PROPN
fsr-3358	296	13	s&p	s&p	PROPN
fsr-3358	296	14	/	/	SYM
fsr-3358	296	15	tsx	tsx	NOUN
fsr-3358	296	16	capped	cap	VERB
fsr-3358	296	17	composite	composite	ADJ
fsr-3358	296	18	index	index	NOUN
fsr-3358	296	19	etf	etf	NOUN
fsr-3358	296	20	(	(	PUNCT
fsr-3358	296	21	xic.to	xic.to	PROPN
fsr-3358	296	22	)	)	PUNCT
fsr-3358	296	23	5.7	5.7	NUM
fsr-3358	296	24	%	%	NOUN
fsr-3358	296	25	50	50	NUM
fsr-3358	296	26	%	%	NOUN
fsr-3358	296	27	35	35	NUM
fsr-3358	296	28	%	%	NOUN
fsr-3358	296	29	30	30	NUM
fsr-3358	296	30	%	%	NOUN
fsr-3358	296	31	us	us	PROPN
fsr-3358	296	32	equity	equity	PROPN
fsr-3358	296	33	ishares	ishares	PROPN
fsr-3358	296	34	core	core	PROPN
fsr-3358	296	35	s&p	s&p	PROPN
fsr-3358	296	36	500	500	NUM
fsr-3358	296	37	index	index	NOUN
fsr-3358	296	38	etf	etf	NOUN
fsr-3358	296	39	(	(	PUNCT
fsr-3358	296	40	xus.to	xus.to	PROPN
fsr-3358	296	41	)	)	PUNCT
fsr-3358	296	42	10.8	10.8	NUM
fsr-3358	296	43	%	%	NOUN
fsr-3358	296	44	30	30	NUM
fsr-3358	296	45	%	%	NOUN
fsr-3358	296	46	25	25	NUM
fsr-3358	296	47	%	%	NOUN
fsr-3358	296	48	20	20	NUM
fsr-3358	296	49	%	%	NOUN
fsr-3358	296	50	portfolio	portfolio	NOUN
fsr-3358	296	51	returns	return	VERB
fsr-3358	296	52	5.2	5.2	NUM
fsr-3358	296	53	%	%	NOUN
fsr-3358	296	54	3.0	3.0	NUM
fsr-3358	296	55	%	%	NOUN
fsr-3358	296	56	1.8	1.8	NUM
fsr-3358	296	57	%	%	NOUN
fsr-3358	296	58	source	source	NOUN
fsr-3358	296	59	:	:	PUNCT
fsr-3358	296	60	https://ca.finance.yahoo.com/quote/	https://ca.finance.yahoo.com/quote/	ADV
fsr-3358	296	61	sourced	source	VERB
fsr-3358	296	62	july	july	PROPN
fsr-3358	296	63	11	11	NUM
fsr-3358	296	64	,	,	PUNCT
fsr-3358	296	65	2023	2023	NUM
fsr-3358	296	66	,	,	PUNCT
fsr-3358	296	67	returns	return	NOUN
fsr-3358	296	68	annualized	annualize	VERB
fsr-3358	296	69	(	(	PUNCT
fsr-3358	296	70	cagr	cagr	NOUN
fsr-3358	296	71	)	)	PUNCT
fsr-3358	296	72	https://ca.finance.yahoo.com/quote/	https://ca.finance.yahoo.com/quote/	ADV
fsr-3358	296	73	financial	financial	PROPN
fsr-3358	296	74	services	service	NOUN
fsr-3358	296	75	review	review	NOUN
fsr-3358	296	76	,	,	PUNCT
fsr-3358	296	77	32(2	32(2	NUM
fsr-3358	296	78	)	)	PUNCT
fsr-3358	296	79	17	17	NUM
fsr-3358	296	80	appendix	appendix	NOUN
fsr-3358	296	81	2	2	NUM
fsr-3358	296	82	:	:	PUNCT
fsr-3358	296	83	quantitative	quantitative	ADJ
fsr-3358	296	84	modelling	model	VERB
fsr-3358	296	85	this	this	DET
fsr-3358	296	86	paper	paper	NOUN
fsr-3358	296	87	considers	consider	VERB
fsr-3358	296	88	the	the	DET
fsr-3358	296	89	importance	importance	NOUN
fsr-3358	296	90	of	of	ADP
fsr-3358	296	91	contributions	contribution	NOUN
fsr-3358	296	92	(	(	PUNCT
fsr-3358	296	93	as	as	SCONJ
fsr-3358	296	94	opposed	oppose	VERB
fsr-3358	296	95	to	to	ADP
fsr-3358	296	96	investment	investment	NOUN
fsr-3358	296	97	returns	return	NOUN
fsr-3358	296	98	)	)	PUNCT
fsr-3358	296	99	during	during	ADP
fsr-3358	296	100	the	the	DET
fsr-3358	296	101	accumulation	accumulation	NOUN
fsr-3358	296	102	phase	phase	NOUN
fsr-3358	296	103	of	of	ADP
fsr-3358	296	104	the	the	DET
fsr-3358	296	105	retirement	retirement	NOUN
fsr-3358	296	106	savings	saving	NOUN
fsr-3358	296	107	cycle	cycle	NOUN
fsr-3358	296	108	.	.	PUNCT
fsr-3358	297	1	specifically	specifically	ADV
fsr-3358	297	2	,	,	PUNCT
fsr-3358	297	3	we	we	PRON
fsr-3358	297	4	present	present	VERB
fsr-3358	297	5	theoretical	theoretical	ADJ
fsr-3358	297	6	and	and	CCONJ
fsr-3358	297	7	empirical	empirical	ADJ
fsr-3358	297	8	evidence	evidence	NOUN
fsr-3358	297	9	that	that	SCONJ
fsr-3358	297	10	maintaining	maintain	VERB
fsr-3358	297	11	a	a	DET
fsr-3358	297	12	high	high	ADJ
fsr-3358	297	13	contribution	contribution	NOUN
fsr-3358	297	14	rate	rate	NOUN
fsr-3358	297	15	early	early	ADV
fsr-3358	297	16	in	in	ADP
fsr-3358	297	17	the	the	DET
fsr-3358	297	18	lifetime	lifetime	NOUN
fsr-3358	297	19	of	of	ADP
fsr-3358	297	20	the	the	DET
fsr-3358	297	21	retirement	retirement	NOUN
fsr-3358	297	22	account	account	NOUN
fsr-3358	297	23	is	be	AUX
fsr-3358	297	24	crucial	crucial	ADJ
fsr-3358	297	25	to	to	ADP
fsr-3358	297	26	building	build	VERB
fsr-3358	297	27	wealth	wealth	NOUN
fsr-3358	297	28	.	.	PUNCT
fsr-3358	298	1	this	this	DET
fsr-3358	298	2	observation	observation	NOUN
fsr-3358	298	3	,	,	PUNCT
fsr-3358	298	4	in	in	ADP
fsr-3358	298	5	and	and	CCONJ
fsr-3358	298	6	of	of	ADP
fsr-3358	298	7	itself	itself	PRON
fsr-3358	298	8	,	,	PUNCT
fsr-3358	298	9	is	be	AUX
fsr-3358	298	10	hardly	hardly	ADV
fsr-3358	298	11	a	a	DET
fsr-3358	298	12	new	new	ADJ
fsr-3358	298	13	insight	insight	NOUN
fsr-3358	298	14	.	.	PUNCT
fsr-3358	299	1	the	the	DET
fsr-3358	299	2	primary	primary	ADJ
fsr-3358	299	3	contribution	contribution	NOUN
fsr-3358	299	4	of	of	ADP
fsr-3358	299	5	the	the	DET
fsr-3358	299	6	paper	paper	NOUN
fsr-3358	299	7	is	be	AUX
fsr-3358	299	8	not	not	PART
fsr-3358	299	9	the	the	DET
fsr-3358	299	10	observation	observation	NOUN
fsr-3358	299	11	,	,	PUNCT
fsr-3358	299	12	rather	rather	ADV
fsr-3358	299	13	it	it	PRON
fsr-3358	299	14	is	be	AUX
fsr-3358	299	15	the	the	DET
fsr-3358	299	16	use	use	NOUN
fsr-3358	299	17	of	of	ADP
fsr-3358	299	18	unique	unique	ADJ
fsr-3358	299	19	transaction	transaction	NOUN
fsr-3358	299	20	-	-	PUNCT
fsr-3358	299	21	level	level	NOUN
fsr-3358	299	22	data	datum	NOUN
fsr-3358	299	23	from	from	ADP
fsr-3358	299	24	thousands	thousand	NOUN
fsr-3358	299	25	of	of	ADP
fsr-3358	299	26	retirement	retirement	NOUN
fsr-3358	299	27	savings	saving	NOUN
fsr-3358	299	28	accounts	account	NOUN
fsr-3358	299	29	in	in	ADP
fsr-3358	299	30	canada	canada	PROPN
fsr-3358	299	31	,	,	PUNCT
fsr-3358	299	32	to	to	PART
fsr-3358	299	33	support	support	VERB
fsr-3358	299	34	both	both	DET
fsr-3358	299	35	the	the	DET
fsr-3358	299	36	conventional	conventional	ADJ
fsr-3358	299	37	wisdom	wisdom	NOUN
fsr-3358	299	38	and	and	CCONJ
fsr-3358	299	39	theoretical	theoretical	ADJ
fsr-3358	299	40	model	model	NOUN
fsr-3358	299	41	.	.	PUNCT
fsr-3358	300	1	our	our	PRON
fsr-3358	300	2	hope	hope	NOUN
fsr-3358	300	3	is	be	AUX
fsr-3358	300	4	that	that	SCONJ
fsr-3358	300	5	this	this	DET
fsr-3358	300	6	paper	paper	NOUN
fsr-3358	300	7	provides	provide	VERB
fsr-3358	300	8	a	a	DET
fsr-3358	300	9	reference	reference	NOUN
fsr-3358	300	10	point	point	NOUN
fsr-3358	300	11	for	for	ADP
fsr-3358	300	12	both	both	PRON
fsr-3358	300	13	financial	financial	ADJ
fsr-3358	300	14	advisors	advisor	NOUN
fsr-3358	300	15	and	and	CCONJ
fsr-3358	300	16	policy	policy	NOUN
fsr-3358	300	17	makers	maker	NOUN
fsr-3358	300	18	,	,	PUNCT
fsr-3358	300	19	when	when	SCONJ
fsr-3358	300	20	providing	provide	VERB
fsr-3358	300	21	advice	advice	NOUN
fsr-3358	300	22	and	and	CCONJ
fsr-3358	300	23	designing	design	VERB
fsr-3358	300	24	incentive	incentive	NOUN
fsr-3358	300	25	programs	program	NOUN
fsr-3358	300	26	.	.	PUNCT
fsr-3358	301	1	theoretical	theoretical	ADJ
fsr-3358	301	2	framework	framework	NOUN
fsr-3358	301	3	perhaps	perhaps	ADV
fsr-3358	301	4	the	the	DET
fsr-3358	301	5	simplest	simple	ADJ
fsr-3358	301	6	model	model	NOUN
fsr-3358	301	7	for	for	ADP
fsr-3358	301	8	portfolio	portfolio	NOUN
fsr-3358	301	9	growth	growth	NOUN
fsr-3358	301	10	is	be	AUX
fsr-3358	301	11	to	to	PART
fsr-3358	301	12	assume	assume	VERB
fsr-3358	301	13	a	a	DET
fsr-3358	301	14	deterministic	deterministic	NOUN
fsr-3358	301	15	per	per	ADP
fsr-3358	301	16	period	period	NOUN
fsr-3358	301	17	investment	investment	NOUN
fsr-3358	301	18	growth	growth	NOUN
fsr-3358	301	19	rate	rate	NOUN
fsr-3358	301	20	of	of	ADP
fsr-3358	301	21	μ	μ	PROPN
fsr-3358	301	22	,	,	PUNCT
fsr-3358	301	23	a	a	DET
fsr-3358	301	24	constant	constant	ADJ
fsr-3358	301	25	per	per	ADP
fsr-3358	301	26	period	period	NOUN
fsr-3358	301	27	salary	salary	NOUN
fsr-3358	301	28	of	of	ADP
fsr-3358	301	29	x	x	PUNCT
fsr-3358	301	30	of	of	ADP
fsr-3358	301	31	which	which	PRON
fsr-3358	301	32	a	a	DET
fsr-3358	301	33	constant	constant	ADJ
fsr-3358	301	34	fraction	fraction	NOUN
fsr-3358	301	35	f	f	PROPN
fsr-3358	301	36	is	be	AUX
fsr-3358	301	37	saved	save	VERB
fsr-3358	301	38	,	,	PUNCT
fsr-3358	301	39	and	and	CCONJ
fsr-3358	301	40	that	that	SCONJ
fsr-3358	301	41	all	all	DET
fsr-3358	301	42	investment	investment	NOUN
fsr-3358	301	43	income	income	NOUN
fsr-3358	301	44	is	be	AUX
fsr-3358	301	45	reinvested	reinveste	VERB
fsr-3358	301	46	.	.	PUNCT
fsr-3358	302	1	the	the	DET
fsr-3358	302	2	original	original	ADJ
fsr-3358	302	3	wealth	wealth	NOUN
fsr-3358	302	4	is	be	AUX
fsr-3358	302	5	v0	v0	NOUN
fsr-3358	302	6	.	.	PUNCT
fsr-3358	303	1	this	this	DET
fsr-3358	303	2	model	model	NOUN
fsr-3358	303	3	yields	yield	VERB
fsr-3358	303	4	the	the	DET
fsr-3358	303	5	difference	difference	NOUN
fsr-3358	303	6	equations	equation	NOUN
fsr-3358	303	7	:	:	PUNCT
fsr-3358	303	8	discrete	discrete	VERB
fsr-3358	303	9	vk+1	vk+1	ADJ
fsr-3358	303	10	=	=	PUNCT
fsr-3358	303	11	(	(	PUNCT
fsr-3358	303	12	1+μ)vk	1+μ)vk	NOUN
fsr-3358	303	13	+	+	CCONJ
fsr-3358	303	14	fx	fx	NOUN
fsr-3358	303	15	v0	v0	NOUN
fsr-3358	303	16	=	=	PUNCT
fsr-3358	303	17	given	give	VERB
fsr-3358	303	18	where	where	SCONJ
fsr-3358	303	19	vk	vk	PROPN
fsr-3358	303	20	is	be	AUX
fsr-3358	303	21	the	the	DET
fsr-3358	303	22	value	value	NOUN
fsr-3358	303	23	of	of	ADP
fsr-3358	303	24	the	the	DET
fsr-3358	303	25	investment	investment	NOUN
fsr-3358	303	26	portfolio	portfolio	NOUN
fsr-3358	303	27	at	at	ADP
fsr-3358	303	28	the	the	DET
fsr-3358	303	29	kth	kth	PROPN
fsr-3358	303	30	time	time	NOUN
fsr-3358	303	31	step	step	NOUN
fsr-3358	303	32	.	.	PUNCT
fsr-3358	304	1	this	this	PRON
fsr-3358	304	2	has	have	VERB
fsr-3358	304	3	a	a	DET
fsr-3358	304	4	solution	solution	NOUN
fsr-3358	304	5	vk	vk	ADP
fsr-3358	304	6	=	=	PUNCT
fsr-3358	304	7	v0(1+μ)k	v0(1+μ)k	PROPN
fsr-3358	304	8	+	+	CCONJ
fsr-3358	304	9	(	(	PUNCT
fsr-3358	304	10	fx	fx	PROPN
fsr-3358	304	11	/	/	SYM
fsr-3358	304	12	μ)[(1+μ)k	μ)[(1+μ)k	PROPN
fsr-3358	304	13	–	–	PUNCT
fsr-3358	304	14	1	1	X
fsr-3358	304	15	]	]	PUNCT
fsr-3358	304	16	expand	expand	VERB
fsr-3358	304	17	for	for	ADP
fsr-3358	304	18	small	small	ADJ
fsr-3358	304	19	mu	mu	NOUN
fsr-3358	304	20	.	.	PUNCT
fsr-3358	305	1	using	use	VERB
fsr-3358	305	2	the	the	DET
fsr-3358	305	3	binomial	binomial	ADJ
fsr-3358	305	4	theorem	theorem	NOUN
fsr-3358	305	5	(	(	PUNCT
fsr-3358	305	6	1+μ)k	1+μ)k	NUM
fsr-3358	305	7	=	=	SYM
fsr-3358	305	8	1	1	NUM
fsr-3358	305	9	+	+	CCONJ
fsr-3358	305	10	kμ	kμ	ADV
fsr-3358	305	11	+	+	CCONJ
fsr-3358	305	12	k(k-1)/2	k(k-1)/2	PROPN
fsr-3358	305	13	μ2	μ2	NOUN
fsr-3358	305	14	+	+	CCONJ
fsr-3358	305	15	higher	high	ADJ
fsr-3358	305	16	order	order	NOUN
fsr-3358	305	17	terms	term	NOUN
fsr-3358	305	18	and	and	CCONJ
fsr-3358	305	19	[	[	X
fsr-3358	305	20	(	(	PUNCT
fsr-3358	305	21	1+μ)k	1+μ)k	NUM
fsr-3358	305	22	–	–	PUNCT
fsr-3358	305	23	1]/μ	1]/μ	NUM
fsr-3358	305	24	=	=	SYM
fsr-3358	305	25	k	k	PROPN
fsr-3358	306	1	+	+	PROPN
fsr-3358	306	2	kμ(k-1)/2	kμ(k-1)/2	PROPN
fsr-3358	306	3	so	so	SCONJ
fsr-3358	306	4	…	…	PUNCT
fsr-3358	306	5	to	to	PART
fsr-3358	306	6	linear	linear	VERB
fsr-3358	306	7	order	order	NOUN
fsr-3358	306	8	vk	vk	NOUN
fsr-3358	306	9	=	=	SYM
fsr-3358	306	10	v0	v0	PROPN
fsr-3358	306	11	+	+	CCONJ
fsr-3358	306	12	μkv0	μkv0	PROPN
fsr-3358	306	13	+	+	CCONJ
fsr-3358	306	14	fkx	fkx	ADJ
fsr-3358	306	15	,	,	PUNCT
fsr-3358	306	16	or	or	CCONJ
fsr-3358	306	17	vk	vk	VERB
fsr-3358	306	18	–	–	PUNCT
fsr-3358	306	19	v0	v0	NOUN
fsr-3358	306	20	=	=	PUNCT
fsr-3358	306	21	fkx+μkv0	fkx+μkv0	PROPN
fsr-3358	306	22	to	to	ADP
fsr-3358	306	23	quadratic	quadratic	ADJ
fsr-3358	306	24	order	order	NOUN
fsr-3358	306	25	vk	vk	X
fsr-3358	306	26	–	–	PUNCT
fsr-3358	306	27	v0	v0	NOUN
fsr-3358	306	28	=	=	PUNCT
fsr-3358	306	29	fkx	fkx	PROPN
fsr-3358	307	1	+	+	CCONJ
fsr-3358	307	2	μkv0	μkv0	NOUN
fsr-3358	307	3	+	+	SYM
fsr-3358	307	4	½	½	NOUN
fsr-3358	307	5	μ2k(k-1)v0	μ2k(k-1)v0	NOUN
fsr-3358	307	6	+	+	CCONJ
fsr-3358	307	7	½	½	NOUN
fsr-3358	307	8	fμk(k-1)x	fμk(k-1)x	NOUN
fsr-3358	307	9	this	this	PRON
fsr-3358	307	10	will	will	AUX
fsr-3358	307	11	also	also	ADV
fsr-3358	307	12	be	be	AUX
fsr-3358	307	13	true	true	ADJ
fsr-3358	307	14	for	for	ADP
fsr-3358	307	15	beginning	begin	VERB
fsr-3358	307	16	at	at	ADP
fsr-3358	307	17	time	time	NOUN
fsr-3358	307	18	n	n	ADP
fsr-3358	307	19	and	and	CCONJ
fsr-3358	307	20	moving	move	VERB
fsr-3358	307	21	forward	forward	ADV
fsr-3358	307	22	k	k	PROPN
fsr-3358	307	23	steps	step	NOUN
fsr-3358	307	24	:	:	PUNCT
fsr-3358	307	25	vn+k	vn+k	NUM
fsr-3358	307	26	–	–	PUNCT
fsr-3358	307	27	vn	vn	X
fsr-3358	307	28	=	=	PUNCT
fsr-3358	307	29	fkx	fkx	PROPN
fsr-3358	308	1	+	+	NUM
fsr-3358	308	2	μkvn	μkvn	NOUN
fsr-3358	308	3	+	+	CCONJ
fsr-3358	308	4	½	½	NOUN
fsr-3358	308	5	μ2k(k-1)vn	μ2k(k-1)vn	NOUN
fsr-3358	308	6	+	+	CCONJ
fsr-3358	308	7	½	½	NOUN
fsr-3358	308	8	fμk(k-1)x	fμk(k-1)x	NOUN
fsr-3358	308	9	if	if	SCONJ
fsr-3358	308	10	k	k	PROPN
fsr-3358	308	11	is	be	AUX
fsr-3358	308	12	about	about	ADV
fsr-3358	308	13	3	3	NUM
fsr-3358	308	14	,	,	PUNCT
fsr-3358	308	15	mu	mu	NOUN
fsr-3358	308	16	5	5	NUM
fsr-3358	308	17	%	%	NOUN
fsr-3358	308	18	and	and	CCONJ
fsr-3358	308	19	f	f	PROPN
fsr-3358	308	20	10	10	NUM
fsr-3358	308	21	%	%	NOUN
fsr-3358	308	22	,	,	PUNCT
fsr-3358	308	23	the	the	DET
fsr-3358	308	24	2nd	2nd	ADJ
fsr-3358	308	25	order	order	NOUN
fsr-3358	308	26	terms	term	NOUN
fsr-3358	308	27	are	be	AUX
fsr-3358	308	28	going	go	VERB
fsr-3358	308	29	to	to	PART
fsr-3358	308	30	be	be	AUX
fsr-3358	308	31	fairly	fairly	ADV
fsr-3358	308	32	neglible	neglible	ADJ
fsr-3358	308	33	and	and	CCONJ
fsr-3358	308	34	so	so	ADV
fsr-3358	308	35	linear	linear	ADJ
fsr-3358	308	36	order	order	NOUN
fsr-3358	308	37	is	be	AUX
fsr-3358	308	38	fine	fine	ADJ
fsr-3358	308	39	.	.	PUNCT
fsr-3358	309	1	note	note	VERB
fsr-3358	309	2	that	that	SCONJ
fsr-3358	309	3	when	when	SCONJ
fsr-3358	309	4	fx	fx	PROPN
fsr-3358	309	5	=	=	PUNCT
fsr-3358	309	6	μvn	μvn	NOUN
fsr-3358	309	7	the	the	DET
fsr-3358	309	8	first	first	ADJ
fsr-3358	309	9	term	term	NOUN
fsr-3358	309	10	,	,	PUNCT
fsr-3358	309	11	which	which	PRON
fsr-3358	309	12	is	be	AUX
fsr-3358	309	13	the	the	DET
fsr-3358	309	14	savings	saving	NOUN
fsr-3358	309	15	term	term	NOUN
fsr-3358	309	16	,	,	PUNCT
fsr-3358	309	17	and	and	CCONJ
fsr-3358	309	18	the	the	DET
fsr-3358	309	19	second	second	ADJ
fsr-3358	309	20	term	term	NOUN
fsr-3358	309	21	,	,	PUNCT
fsr-3358	309	22	which	which	PRON
fsr-3358	309	23	is	be	AUX
fsr-3358	309	24	the	the	DET
fsr-3358	309	25	growth	growth	NOUN
fsr-3358	309	26	term	term	NOUN
fsr-3358	309	27	,	,	PUNCT
fsr-3358	309	28	are	be	AUX
fsr-3358	309	29	about	about	ADV
fsr-3358	309	30	equal	equal	ADJ
fsr-3358	309	31	in	in	ADP
fsr-3358	309	32	dollar	dollar	NOUN
fsr-3358	309	33	value	value	NOUN
fsr-3358	309	34	.	.	PUNCT
fsr-3358	310	1	fx	fx	NOUN
fsr-3358	310	2	=	=	PUNCT
fsr-3358	310	3	μvn	μvn	NOUN
fsr-3358	311	1	=	=	PUNCT
fsr-3358	311	2	μ{v0(1+μ)k	μ{v0(1+μ)k	PROPN
fsr-3358	312	1	+	+	CCONJ
fsr-3358	312	2	(	(	PUNCT
fsr-3358	312	3	fx	fx	PROPN
fsr-3358	312	4	/	/	SYM
fsr-3358	312	5	μ)[(1+μ)k	μ)[(1+μ)k	PROPN
fsr-3358	312	6	–	–	PUNCT
fsr-3358	312	7	1	1	NUM
fsr-3358	312	8	]	]	PUNCT
fsr-3358	312	9	}	}	PUNCT
fsr-3358	312	10	which	which	PRON
fsr-3358	312	11	,	,	PUNCT
fsr-3358	312	12	if	if	SCONJ
fsr-3358	312	13	v0	v0	NOUN
fsr-3358	312	14	=	=	SYM
fsr-3358	312	15	0	0	PUNCT
fsr-3358	312	16	as	as	SCONJ
fsr-3358	312	17	is	be	AUX
fsr-3358	312	18	quite	quite	ADV
fsr-3358	312	19	reasonable	reasonable	ADJ
fsr-3358	312	20	,	,	PUNCT
fsr-3358	312	21	occurs	occur	VERB
fsr-3358	312	22	when	when	SCONJ
fsr-3358	312	23	fx	fx	NOUN
fsr-3358	312	24	=	=	SYM
fsr-3358	312	25	fx	fx	PROPN
fsr-3358	313	1	[	[	X
fsr-3358	313	2	(	(	PUNCT
fsr-3358	313	3	1+μ)k	1+μ)k	NUM
fsr-3358	313	4	–	–	PUNCT
fsr-3358	313	5	1	1	NUM
fsr-3358	313	6	]	]	PUNCT
fsr-3358	313	7	or	or	CCONJ
fsr-3358	313	8	1	1	NUM
fsr-3358	313	9	=	=	SYM
fsr-3358	313	10	(	(	PUNCT
fsr-3358	313	11	1+μ)k	1+μ)k	NUM
fsr-3358	313	12	–	–	PUNCT
fsr-3358	313	13	1	1	NUM
fsr-3358	313	14	or	or	CCONJ
fsr-3358	313	15	(	(	PUNCT
fsr-3358	313	16	1	1	NUM
fsr-3358	313	17	+	+	NUM
fsr-3358	313	18	μ)k	μ)k	X
fsr-3358	313	19	=	=	SYM
fsr-3358	313	20	2	2	X
fsr-3358	313	21	.	.	PUNCT
fsr-3358	314	1	this	this	PRON
fsr-3358	314	2	is	be	AUX
fsr-3358	314	3	when	when	SCONJ
fsr-3358	314	4	k	k	PROPN
fsr-3358	314	5	ln	ln	X
fsr-3358	314	6	(	(	PUNCT
fsr-3358	314	7	1	1	NUM
fsr-3358	314	8	+	+	NUM
fsr-3358	314	9	μ	μ	NUM
fsr-3358	314	10	)	)	PUNCT
fsr-3358	314	11	=	=	SYM
fsr-3358	314	12	ln(2	ln(2	NOUN
fsr-3358	314	13	)	)	PUNCT
fsr-3358	314	14	or	or	CCONJ
fsr-3358	314	15	when	when	SCONJ
fsr-3358	314	16	k	k	X
fsr-3358	314	17	*	*	PUNCT
fsr-3358	314	18	=	=	NOUN
fsr-3358	314	19	ln(2)/ln(1+μ	ln(2)/ln(1+μ	ADJ
fsr-3358	314	20	)	)	PUNCT
fsr-3358	314	21	.	.	PUNCT
fsr-3358	315	1	using	use	VERB
fsr-3358	315	2	the	the	DET
fsr-3358	315	3	linearization	linearization	NOUN
fsr-3358	315	4	,	,	PUNCT
fsr-3358	315	5	good	good	ADJ
fsr-3358	315	6	for	for	ADP
fsr-3358	315	7	small	small	ADJ
fsr-3358	315	8	μ	μ	NOUN
fsr-3358	315	9	,	,	PUNCT
fsr-3358	315	10	that	that	SCONJ
fsr-3358	315	11	ln(1	ln(1	PROPN
fsr-3358	315	12	+	+	NUM
fsr-3358	315	13	μ	μ	NOUN
fsr-3358	315	14	)	)	PUNCT
fsr-3358	315	15	=	=	SYM
fsr-3358	315	16	μ	μ	PROPN
fsr-3358	315	17	,	,	PUNCT
fsr-3358	315	18	this	this	PRON
fsr-3358	315	19	is	be	AUX
fsr-3358	315	20	approximately	approximately	ADV
fsr-3358	315	21	k	k	ADJ
fsr-3358	315	22	*	*	PUNCT
fsr-3358	315	23	=	=	SYM
fsr-3358	315	24	ln(2)/μ	ln(2)/μ	PROPN
fsr-3358	315	25	.	.	PUNCT
fsr-3358	316	1	for	for	ADP
fsr-3358	316	2	μ	μ	NOUN
fsr-3358	316	3	=	=	SYM
fsr-3358	316	4	5	5	NUM
fsr-3358	316	5	%	%	NOUN
fsr-3358	316	6	this	this	PRON
fsr-3358	316	7	occurs	occur	VERB
fsr-3358	316	8	when	when	SCONJ
fsr-3358	316	9	k	k	PROPN
fsr-3358	316	10	is	be	AUX
fsr-3358	316	11	about	about	ADV
fsr-3358	316	12	14	14	NUM
fsr-3358	316	13	years	year	NOUN
fsr-3358	316	14	.	.	PUNCT
fsr-3358	317	1	financial	financial	ADJ
fsr-3358	317	2	services	service	NOUN
fsr-3358	317	3	review	review	PROPN
fsr-3358	317	4	,	,	PUNCT
fsr-3358	317	5	32(2	32(2	NUM
fsr-3358	317	6	)	)	PUNCT
fsr-3358	317	7	18	18	NUM
fsr-3358	317	8	appendix	appendix	NOUN
fsr-3358	317	9	3	3	NUM
fsr-3358	317	10	:	:	PUNCT
fsr-3358	317	11	retirement	retirement	NOUN
fsr-3358	317	12	savings	saving	NOUN
fsr-3358	317	13	plans	plan	NOUN
fsr-3358	317	14	in	in	ADP
fsr-3358	317	15	canada	canada	PROPN
fsr-3358	317	16	(	(	PUNCT
fsr-3358	317	17	rsps	rsp	NOUN
fsr-3358	317	18	)	)	PUNCT
fsr-3358	317	19	both	both	PRON
fsr-3358	317	20	of	of	ADP
fsr-3358	317	21	our	our	PRON
fsr-3358	317	22	datasets	dataset	NOUN
fsr-3358	317	23	encompass	encompass	VERB
fsr-3358	317	24	registered	register	VERB
fsr-3358	317	25	retirements	retirement	NOUN
fsr-3358	317	26	savings	saving	NOUN
fsr-3358	317	27	plans	plan	NOUN
fsr-3358	317	28	.	.	PUNCT
fsr-3358	318	1	a	a	DET
fsr-3358	318	2	registered	register	VERB
fsr-3358	318	3	retirement	retirement	NOUN
fsr-3358	318	4	savings	saving	NOUN
fsr-3358	318	5	plan	plan	NOUN
fsr-3358	318	6	(	(	PUNCT
fsr-3358	318	7	rrsp	rrsp	PROPN
fsr-3358	318	8	or	or	CCONJ
fsr-3358	318	9	rsp	rsp	PROPN
fsr-3358	318	10	)	)	PUNCT
fsr-3358	318	11	is	be	AUX
fsr-3358	318	12	a	a	DET
fsr-3358	318	13	savings	saving	NOUN
fsr-3358	318	14	plan	plan	NOUN
fsr-3358	318	15	,	,	PUNCT
fsr-3358	318	16	registered	register	VERB
fsr-3358	318	17	with	with	ADP
fsr-3358	318	18	the	the	DET
fsr-3358	318	19	canadian	canadian	ADJ
fsr-3358	318	20	federal	federal	ADJ
fsr-3358	318	21	government	government	NOUN
fsr-3358	318	22	.	.	PUNCT
fsr-3358	319	1	investors	investor	NOUN
fsr-3358	319	2	who	who	PRON
fsr-3358	319	3	contribute	contribute	VERB
fsr-3358	319	4	funds	fund	NOUN
fsr-3358	319	5	to	to	ADP
fsr-3358	319	6	an	an	DET
fsr-3358	319	7	rsp	rsp	NOUN
fsr-3358	319	8	,	,	PUNCT
fsr-3358	319	9	gain	gain	VERB
fsr-3358	319	10	a	a	DET
fsr-3358	319	11	"	"	PUNCT
fsr-3358	319	12	tax	tax	NOUN
fsr-3358	319	13	-	-	PUNCT
fsr-3358	319	14	advantage	advantage	NOUN
fsr-3358	319	15	"	"	PUNCT
fsr-3358	319	16	in	in	ADP
fsr-3358	319	17	that	that	SCONJ
fsr-3358	319	18	the	the	DET
fsr-3358	319	19	contribution	contribution	NOUN
fsr-3358	319	20	is	be	AUX
fsr-3358	319	21	exempt	exempt	ADJ
fsr-3358	319	22	from	from	ADP
fsr-3358	319	23	income	income	NOUN
fsr-3358	319	24	taxes	taxis	NOUN
fsr-3358	319	25	in	in	ADP
fsr-3358	319	26	the	the	DET
fsr-3358	319	27	year	year	NOUN
fsr-3358	319	28	they	they	PRON
fsr-3358	319	29	make	make	VERB
fsr-3358	319	30	the	the	DET
fsr-3358	319	31	contribution	contribution	NOUN
fsr-3358	319	32	.	.	PUNCT
fsr-3358	320	1	any	any	DET
fsr-3358	320	2	investment	investment	NOUN
fsr-3358	320	3	income	income	NOUN
fsr-3358	320	4	earned	earn	VERB
fsr-3358	320	5	from	from	ADP
fsr-3358	320	6	investments	investment	NOUN
fsr-3358	320	7	held	hold	VERB
fsr-3358	320	8	within	within	ADP
fsr-3358	320	9	the	the	DET
fsr-3358	320	10	rsp	rsp	NOUN
fsr-3358	320	11	also	also	ADV
fsr-3358	320	12	grows	grow	VERB
fsr-3358	320	13	tax	tax	NOUN
fsr-3358	320	14	-	-	PUNCT
fsr-3358	320	15	deferred	defer	VERB
fsr-3358	320	16	until	until	SCONJ
fsr-3358	320	17	it	it	PRON
fsr-3358	320	18	's	be	AUX
fsr-3358	320	19	withdrawn	withdraw	VERB
fsr-3358	320	20	.	.	PUNCT
fsr-3358	321	1	according	accord	VERB
fsr-3358	321	2	to	to	ADP
fsr-3358	321	3	statistics	statistics	PROPN
fsr-3358	321	4	canada	canada	PROPN
fsr-3358	321	5	17	17	NUM
fsr-3358	321	6	,	,	PUNCT
fsr-3358	321	7	in	in	ADP
fsr-3358	321	8	2020	2020	NUM
fsr-3358	321	9	,	,	PUNCT
fsr-3358	321	10	over	over	ADP
fsr-3358	321	11	6.2	6.2	NUM
fsr-3358	321	12	million	million	NUM
fsr-3358	321	13	canadians	canadian	NOUN
fsr-3358	321	14	made	make	VERB
fsr-3358	321	15	contributions	contribution	NOUN
fsr-3358	321	16	to	to	ADP
fsr-3358	321	17	a	a	DET
fsr-3358	321	18	registered	register	VERB
fsr-3358	321	19	retirement	retirement	NOUN
fsr-3358	321	20	savings	saving	NOUN
fsr-3358	321	21	plan	plan	NOUN
fsr-3358	321	22	(	(	PUNCT
fsr-3358	321	23	totalling	total	VERB
fsr-3358	321	24	$	$	SYM
fsr-3358	321	25	50.1	50.1	NUM
fsr-3358	321	26	billion	billion	NUM
fsr-3358	321	27	)	)	PUNCT
fsr-3358	321	28	.	.	PUNCT
fsr-3358	322	1	twenty	twenty	NUM
fsr-3358	322	2	two	two	NUM
fsr-3358	322	3	percent	percent	NOUN
fsr-3358	322	4	of	of	ADP
fsr-3358	322	5	canadian	canadian	ADJ
fsr-3358	322	6	tax	tax	NOUN
fsr-3358	322	7	filers	filer	NOUN
fsr-3358	322	8	made	make	VERB
fsr-3358	322	9	rrsp	rrsp	PROPN
fsr-3358	322	10	contributions	contribution	NOUN
fsr-3358	322	11	in	in	ADP
fsr-3358	322	12	2020	2020	NUM
fsr-3358	322	13	with	with	ADP
fsr-3358	322	14	a	a	DET
fsr-3358	322	15	median	median	ADJ
fsr-3358	322	16	contribution	contribution	NOUN
fsr-3358	322	17	of	of	ADP
fsr-3358	322	18	$	$	SYM
fsr-3358	322	19	3,600	3,600	NUM
fsr-3358	322	20	.	.	PUNCT
fsr-3358	323	1	canadians	canadian	NOUN
fsr-3358	323	2	can	can	AUX
fsr-3358	323	3	open	open	VERB
fsr-3358	323	4	an	an	DET
fsr-3358	323	5	rsp	rsp	NOUN
fsr-3358	323	6	at	at	ADP
fsr-3358	323	7	their	their	PRON
fsr-3358	323	8	financial	financial	ADJ
fsr-3358	323	9	institution	institution	NOUN
fsr-3358	323	10	either	either	CCONJ
fsr-3358	323	11	by	by	ADP
fsr-3358	323	12	•	•	NOUN
fsr-3358	323	13	working	work	VERB
fsr-3358	323	14	through	through	ADP
fsr-3358	323	15	a	a	DET
fsr-3358	323	16	licensed	licensed	ADJ
fsr-3358	323	17	investment	investment	NOUN
fsr-3358	323	18	representative	representative	NOUN
fsr-3358	323	19	(	(	PUNCT
fsr-3358	323	20	advisor	advisor	NOUN
fsr-3358	323	21	)	)	PUNCT
fsr-3358	323	22	•	•	NOUN
fsr-3358	323	23	opening	open	VERB
fsr-3358	323	24	a	a	DET
fsr-3358	323	25	diy	diy	NOUN
fsr-3358	323	26	account	account	NOUN
fsr-3358	323	27	or	or	CCONJ
fsr-3358	323	28	•	•	NOUN
fsr-3358	323	29	through	through	ADP
fsr-3358	323	30	their	their	PRON
fsr-3358	323	31	employer	employer	NOUN
fsr-3358	323	32	.	.	PUNCT
fsr-3358	324	1	saving	save	VERB
fsr-3358	324	2	in	in	ADP
fsr-3358	324	3	the	the	DET
fsr-3358	324	4	context	context	NOUN
fsr-3358	324	5	of	of	ADP
fsr-3358	324	6	rsps	rsp	NOUN
fsr-3358	324	7	generally	generally	ADV
fsr-3358	324	8	takes	take	VERB
fsr-3358	324	9	the	the	DET
fsr-3358	324	10	form	form	NOUN
fsr-3358	324	11	of	of	ADP
fsr-3358	324	12	either	either	CCONJ
fsr-3358	324	13	periodic	periodic	ADJ
fsr-3358	324	14	lump	lump	NOUN
fsr-3358	324	15	sum	sum	NOUN
fsr-3358	324	16	payments	payment	NOUN
fsr-3358	324	17	or	or	CCONJ
fsr-3358	324	18	automated	automate	VERB
fsr-3358	324	19	deposits	deposit	NOUN
fsr-3358	324	20	referred	refer	VERB
fsr-3358	324	21	to	to	ADP
fsr-3358	324	22	by	by	ADP
fsr-3358	324	23	the	the	DET
fsr-3358	324	24	industry	industry	NOUN
fsr-3358	324	25	as	as	ADP
fsr-3358	324	26	pacs	pac	NOUN
fsr-3358	324	27	(	(	PUNCT
fsr-3358	324	28	pre	pre	ADJ
fsr-3358	324	29	-	-	ADJ
fsr-3358	324	30	authorized	authorized	ADJ
fsr-3358	324	31	contributions	contribution	NOUN
fsr-3358	324	32	)	)	PUNCT
fsr-3358	324	33	.	.	PUNCT
fsr-3358	325	1	in	in	ADP
fsr-3358	325	2	canada	canada	PROPN
fsr-3358	325	3	,	,	PUNCT
fsr-3358	325	4	lump	lump	NOUN
fsr-3358	325	5	sum	sum	NOUN
fsr-3358	325	6	payments	payment	NOUN
fsr-3358	325	7	are	be	AUX
fsr-3358	325	8	frequently	frequently	ADV
fsr-3358	325	9	made	make	VERB
fsr-3358	325	10	in	in	ADP
fsr-3358	325	11	late	late	ADJ
fsr-3358	325	12	february	february	PROPN
fsr-3358	325	13	each	each	DET
fsr-3358	325	14	year	year	NOUN
fsr-3358	325	15	,	,	PUNCT
fsr-3358	325	16	just	just	ADV
fsr-3358	325	17	before	before	ADP
fsr-3358	325	18	the	the	DET
fsr-3358	325	19	rsp	rsp	PROPN
fsr-3358	325	20	contribution	contribution	NOUN
fsr-3358	325	21	deadline	deadline	NOUN
fsr-3358	325	22	for	for	ADP
fsr-3358	325	23	the	the	DET
fsr-3358	325	24	previous	previous	ADJ
fsr-3358	325	25	year	year	NOUN
fsr-3358	325	26	.	.	PUNCT
fsr-3358	326	1	pacs	pac	NOUN
fsr-3358	326	2	are	be	AUX
fsr-3358	326	3	generally	generally	ADV
fsr-3358	326	4	set	set	VERB
fsr-3358	326	5	on	on	ADP
fsr-3358	326	6	a	a	DET
fsr-3358	326	7	monthly	monthly	ADJ
fsr-3358	326	8	or	or	CCONJ
fsr-3358	326	9	quarterly	quarterly	ADJ
fsr-3358	326	10	frequency	frequency	NOUN
fsr-3358	326	11	and	and	CCONJ
fsr-3358	326	12	are	be	AUX
fsr-3358	326	13	electronically	electronically	ADV
fsr-3358	326	14	withdrawn	withdraw	VERB
fsr-3358	326	15	from	from	ADP
fsr-3358	326	16	the	the	DET
fsr-3358	326	17	investors	investor	NOUN
fsr-3358	326	18	bank	bank	PROPN
fsr-3358	326	19	account	account	PROPN
fsr-3358	326	20	.	.	PUNCT
fsr-3358	327	1	deposits	deposit	NOUN
fsr-3358	327	2	or	or	CCONJ
fsr-3358	327	3	savings	saving	NOUN
fsr-3358	327	4	into	into	ADP
fsr-3358	327	5	an	an	DET
fsr-3358	327	6	rsp	rsp	NOUN
fsr-3358	327	7	are	be	AUX
fsr-3358	327	8	traditionally	traditionally	ADV
fsr-3358	327	9	referred	refer	VERB
fsr-3358	327	10	to	to	ADP
fsr-3358	327	11	as	as	ADP
fsr-3358	327	12	‘	'	PUNCT
fsr-3358	327	13	contributions	contribution	NOUN
fsr-3358	327	14	.	.	PUNCT
fsr-3358	328	1	participants	participant	NOUN
fsr-3358	328	2	can	can	AUX
fsr-3358	328	3	also	also	ADV
fsr-3358	328	4	transfer	transfer	VERB
fsr-3358	328	5	funds	fund	NOUN
fsr-3358	328	6	from	from	ADP
fsr-3358	328	7	other	other	ADJ
fsr-3358	328	8	rsps	rsp	NOUN
fsr-3358	328	9	they	they	PRON
fsr-3358	328	10	may	may	AUX
fsr-3358	328	11	own	own	VERB
fsr-3358	328	12	to	to	PART
fsr-3358	328	13	consolidate	consolidate	VERB
fsr-3358	328	14	their	their	PRON
fsr-3358	328	15	investments	investment	NOUN
fsr-3358	328	16	.	.	PUNCT
fsr-3358	329	1	for	for	ADP
fsr-3358	329	2	the	the	DET
fsr-3358	329	3	purposes	purpose	NOUN
fsr-3358	329	4	of	of	ADP
fsr-3358	329	5	this	this	DET
fsr-3358	329	6	paper	paper	NOUN
fsr-3358	329	7	,	,	PUNCT
fsr-3358	329	8	we	we	PRON
fsr-3358	329	9	did	do	AUX
fsr-3358	329	10	not	not	PART
fsr-3358	329	11	classify	classify	VERB
fsr-3358	329	12	transfers	transfer	NOUN
fsr-3358	329	13	as	as	ADP
fsr-3358	329	14	a	a	DET
fsr-3358	329	15	saving	saving	NOUN
fsr-3358	329	16	activity	activity	NOUN
fsr-3358	329	17	since	since	SCONJ
fsr-3358	329	18	the	the	DET
fsr-3358	329	19	savings	saving	NOUN
fsr-3358	329	20	behaviour	behaviour	NOUN
fsr-3358	329	21	was	be	AUX
fsr-3358	329	22	exhibited	exhibit	VERB
fsr-3358	329	23	in	in	ADP
fsr-3358	329	24	a	a	DET
fsr-3358	329	25	separate	separate	ADJ
fsr-3358	329	26	account	account	NOUN
fsr-3358	329	27	prior	prior	ADV
fsr-3358	329	28	to	to	ADP
fsr-3358	329	29	our	our	PRON
fsr-3358	329	30	research	research	NOUN
fsr-3358	329	31	.	.	PUNCT
fsr-3358	330	1	it	it	PRON
fsr-3358	330	2	could	could	AUX
fsr-3358	330	3	be	be	AUX
fsr-3358	330	4	argued	argue	VERB
fsr-3358	330	5	that	that	SCONJ
fsr-3358	330	6	re	re	VERB
fsr-3358	330	7	-	-	ADJ
fsr-3358	330	8	invested	invest	VERB
fsr-3358	330	9	dividends	dividend	NOUN
fsr-3358	330	10	(	(	PUNCT
fsr-3358	330	11	drips	drip	NOUN
fsr-3358	330	12	)	)	PUNCT
fsr-3358	330	13	or	or	CCONJ
fsr-3358	330	14	the	the	DET
fsr-3358	330	15	roll	roll	NOUN
fsr-3358	330	16	-	-	PUNCT
fsr-3358	330	17	over	over	NOUN
fsr-3358	330	18	of	of	ADP
fsr-3358	330	19	interest	interest	NOUN
fsr-3358	330	20	payments	payment	NOUN
fsr-3358	330	21	are	be	AUX
fsr-3358	330	22	17	17	NUM
fsr-3358	330	23	statistic	statistic	PROPN
fsr-3358	330	24	canada	canada	PROPN
fsr-3358	330	25	,	,	PUNCT
fsr-3358	330	26	https://www150.statcan.gc.ca/n1/dailyquotidien/220401/dq220401a-eng.htm	https://www150.statcan.gc.ca/n1/dailyquotidien/220401/dq220401a-eng.htm	PROPN
fsr-3358	330	27	a	a	DET
fsr-3358	330	28	form	form	NOUN
fsr-3358	330	29	of	of	ADP
fsr-3358	330	30	saving	saving	NOUN
fsr-3358	330	31	but	but	CCONJ
fsr-3358	330	32	also	also	ADV
fsr-3358	330	33	represent	represent	VERB
fsr-3358	330	34	a	a	DET
fsr-3358	330	35	return	return	NOUN
fsr-3358	330	36	on	on	ADP
fsr-3358	330	37	the	the	DET
fsr-3358	330	38	original	original	ADJ
fsr-3358	330	39	capital	capital	NOUN
fsr-3358	330	40	.	.	PUNCT
fsr-3358	331	1	for	for	ADP
fsr-3358	331	2	this	this	DET
fsr-3358	331	3	reason	reason	NOUN
fsr-3358	331	4	,	,	PUNCT
fsr-3358	331	5	we	we	PRON
fsr-3358	331	6	include	include	VERB
fsr-3358	331	7	drips	drip	NOUN
fsr-3358	331	8	and	and	CCONJ
fsr-3358	331	9	re	re	ADJ
fsr-3358	331	10	-	-	ADJ
fsr-3358	331	11	invested	invest	VERB
fsr-3358	331	12	interest	interest	NOUN
fsr-3358	331	13	payments	payment	NOUN
fsr-3358	331	14	in	in	ADP
fsr-3358	331	15	both	both	CCONJ
fsr-3358	331	16	our	our	PRON
fsr-3358	331	17	internal	internal	ADJ
fsr-3358	331	18	rate	rate	NOUN
fsr-3358	331	19	of	of	ADP
fsr-3358	331	20	return	return	NOUN
fsr-3358	331	21	(	(	PUNCT
fsr-3358	331	22	irr	irr	NOUN
fsr-3358	331	23	)	)	PUNCT
fsr-3358	331	24	calculations	calculation	NOUN
fsr-3358	331	25	and	and	CCONJ
fsr-3358	331	26	our	our	PRON
fsr-3358	331	27	contribution	contribution	NOUN
fsr-3358	331	28	rates	rate	NOUN
fsr-3358	331	29	(	(	PUNCT
fsr-3358	331	30	cr	cr	NOUN
fsr-3358	331	31	)	)	PUNCT
fsr-3358	331	32	calculations	calculation	NOUN
fsr-3358	331	33	.	.	PUNCT
fsr-3358	332	1	appendix	appendix	VERB
fsr-3358	332	2	4	4	NUM
fsr-3358	332	3	:	:	PUNCT
fsr-3358	332	4	detailed	detailed	ADJ
fsr-3358	332	5	clustering	clustering	ADJ
fsr-3358	332	6	methodology	methodology	NOUN
fsr-3358	332	7	machine	machine	NOUN
fsr-3358	332	8	learning	learn	VERB
fsr-3358	332	9	algorithms	algorithm	NOUN
fsr-3358	332	10	have	have	AUX
fsr-3358	332	11	been	be	AUX
fsr-3358	332	12	widely	widely	ADV
fsr-3358	332	13	used	use	VERB
fsr-3358	332	14	in	in	ADP
fsr-3358	332	15	financial	financial	ADJ
fsr-3358	332	16	applications	application	NOUN
fsr-3358	332	17	,	,	PUNCT
fsr-3358	332	18	such	such	ADJ
fsr-3358	332	19	as	as	ADP
fsr-3358	332	20	risk	risk	NOUN
fsr-3358	332	21	modelling	modelling	NOUN
fsr-3358	332	22	,	,	PUNCT
fsr-3358	332	23	return	return	NOUN
fsr-3358	332	24	forecasting	forecasting	NOUN
fsr-3358	332	25	,	,	PUNCT
fsr-3358	332	26	and	and	CCONJ
fsr-3358	332	27	portfolio	portfolio	NOUN
fsr-3358	332	28	construction	construction	NOUN
fsr-3358	332	29	(	(	PUNCT
fsr-3358	332	30	emerson	emerson	PROPN
fsr-3358	332	31	et	et	PROPN
fsr-3358	332	32	al	al	PROPN
fsr-3358	332	33	.	.	PROPN
fsr-3358	332	34	,	,	PUNCT
fsr-3358	332	35	2019	2019	NUM
fsr-3358	332	36	)	)	PUNCT
fsr-3358	332	37	,	,	PUNCT
fsr-3358	332	38	quantitative	quantitative	ADJ
fsr-3358	332	39	finance	finance	NOUN
fsr-3358	332	40	(	(	PUNCT
fsr-3358	332	41	rundo	rundo	PROPN
fsr-3358	332	42	et	et	PROPN
fsr-3358	332	43	al	al	PROPN
fsr-3358	332	44	.	.	PROPN
fsr-3358	332	45	,	,	PUNCT
fsr-3358	332	46	2019	2019	NUM
fsr-3358	332	47	)	)	PUNCT
fsr-3358	332	48	,	,	PUNCT
fsr-3358	332	49	financial	financial	ADJ
fsr-3358	332	50	distress	distress	NOUN
fsr-3358	332	51	prediction	prediction	NOUN
fsr-3358	332	52	(	(	PUNCT
fsr-3358	332	53	huang	huang	PROPN
fsr-3358	332	54	et	et	PROPN
fsr-3358	332	55	al	al	PROPN
fsr-3358	332	56	.	.	PROPN
fsr-3358	332	57	,	,	PUNCT
fsr-3358	332	58	2019	2019	NUM
fsr-3358	332	59	)	)	PUNCT
fsr-3358	332	60	,	,	PUNCT
fsr-3358	332	61	banking	banking	NOUN
fsr-3358	332	62	risk	risk	NOUN
fsr-3358	332	63	management	management	NOUN
fsr-3358	332	64	(	(	PUNCT
fsr-3358	332	65	leo	leo	PROPN
fsr-3358	332	66	et	et	PROPN
fsr-3358	332	67	al	al	PROPN
fsr-3358	332	68	.	.	PROPN
fsr-3358	332	69	,	,	PUNCT
fsr-3358	332	70	2019	2019	NUM
fsr-3358	332	71	)	)	PUNCT
fsr-3358	332	72	,	,	PUNCT
fsr-3358	332	73	credit	credit	NOUN
fsr-3358	332	74	-	-	PUNCT
fsr-3358	332	75	scoring	score	VERB
fsr-3358	332	76	models	model	NOUN
fsr-3358	332	77	and	and	CCONJ
fsr-3358	332	78	financial	financial	ADJ
fsr-3358	332	79	crisis	crisis	NOUN
fsr-3358	332	80	prediction	prediction	NOUN
fsr-3358	332	81	(	(	PUNCT
fsr-3358	332	82	lin	lin	PROPN
fsr-3358	332	83	et	et	PROPN
fsr-3358	332	84	al	al	PROPN
fsr-3358	332	85	.	.	PROPN
fsr-3358	332	86	,	,	PUNCT
fsr-3358	332	87	2011	2011	NUM
fsr-3358	332	88	)	)	PUNCT
fsr-3358	332	89	,	,	PUNCT
fsr-3358	332	90	automation	automation	NOUN
fsr-3358	332	91	through	through	ADP
fsr-3358	332	92	artificial	artificial	ADJ
fsr-3358	332	93	intelligence	intelligence	NOUN
fsr-3358	332	94	(	(	PUNCT
fsr-3358	332	95	donepudi	donepudi	PROPN
fsr-3358	332	96	,	,	PUNCT
fsr-3358	332	97	2019	2019	NUM
fsr-3358	332	98	)	)	PUNCT
fsr-3358	332	99	,	,	PUNCT
fsr-3358	332	100	market	market	NOUN
fsr-3358	332	101	prediction	prediction	NOUN
fsr-3358	332	102	(	(	PUNCT
fsr-3358	332	103	henrique	henrique	X
fsr-3358	332	104	et	et	PROPN
fsr-3358	332	105	al	al	PROPN
fsr-3358	332	106	.	.	PROPN
fsr-3358	332	107	,	,	PUNCT
fsr-3358	332	108	2019	2019	NUM
fsr-3358	332	109	)	)	PUNCT
fsr-3358	332	110	,	,	PUNCT
fsr-3358	332	111	and	and	CCONJ
fsr-3358	332	112	credit	credit	NOUN
fsr-3358	332	113	risk	risk	NOUN
fsr-3358	332	114	modeling	modeling	NOUN
fsr-3358	332	115	,	,	PUNCT
fsr-3358	332	116	detection	detection	NOUN
fsr-3358	332	117	of	of	ADP
fsr-3358	332	118	credit	credit	NOUN
fsr-3358	332	119	card	card	NOUN
fsr-3358	332	120	fraud	fraud	NOUN
fsr-3358	332	121	and	and	CCONJ
fsr-3358	332	122	money	money	NOUN
fsr-3358	332	123	laundering	laundering	NOUN
fsr-3358	332	124	,	,	PUNCT
fsr-3358	332	125	and	and	CCONJ
fsr-3358	332	126	surveillance	surveillance	NOUN
fsr-3358	332	127	of	of	ADP
fsr-3358	332	128	conduct	conduct	NOUN
fsr-3358	332	129	breaches	breach	NOUN
fsr-3358	332	130	at	at	ADP
fsr-3358	332	131	financial	financial	ADJ
fsr-3358	332	132	institutions	institution	NOUN
fsr-3358	332	133	(	(	PUNCT
fsr-3358	332	134	van	van	PROPN
fsr-3358	332	135	liebergen	liebergen	PROPN
fsr-3358	332	136	,	,	PUNCT
fsr-3358	332	137	2017	2017	NUM
fsr-3358	332	138	)	)	PUNCT
fsr-3358	332	139	.	.	PUNCT
fsr-3358	333	1	popular	popular	ADJ
fsr-3358	333	2	algorithms	algorithm	NOUN
fsr-3358	333	3	used	use	VERB
fsr-3358	333	4	in	in	ADP
fsr-3358	333	5	these	these	DET
fsr-3358	333	6	applications	application	NOUN
fsr-3358	333	7	are	be	AUX
fsr-3358	333	8	support	support	NOUN
fsr-3358	333	9	vector	vector	NOUN
fsr-3358	333	10	machines	machine	NOUN
fsr-3358	333	11	(	(	PUNCT
fsr-3358	333	12	kim	kim	PROPN
fsr-3358	333	13	,	,	PUNCT
fsr-3358	333	14	2003	2003	NUM
fsr-3358	333	15	)	)	PUNCT
fsr-3358	333	16	,	,	PUNCT
fsr-3358	333	17	neural	neural	ADJ
fsr-3358	333	18	networks	network	NOUN
fsr-3358	333	19	(	(	PUNCT
fsr-3358	333	20	west	west	PROPN
fsr-3358	333	21	et	et	PROPN
fsr-3358	333	22	al	al	PROPN
fsr-3358	333	23	.	.	PROPN
fsr-3358	333	24	,	,	PUNCT
fsr-3358	333	25	2005	2005	NUM
fsr-3358	333	26	)	)	PUNCT
fsr-3358	333	27	,	,	PUNCT
fsr-3358	333	28	and	and	CCONJ
fsr-3358	333	29	random	random	ADJ
fsr-3358	333	30	forests	forest	NOUN
fsr-3358	333	31	(	(	PUNCT
fsr-3358	333	32	patel	patel	PROPN
fsr-3358	333	33	et	et	PROPN
fsr-3358	333	34	al	al	PROPN
fsr-3358	333	35	.	.	PROPN
fsr-3358	333	36	,	,	PUNCT
fsr-3358	333	37	2015	2015	NUM
fsr-3358	333	38	)	)	PUNCT
fsr-3358	333	39	.	.	PUNCT
fsr-3358	334	1	in	in	ADP
fsr-3358	334	2	this	this	DET
fsr-3358	334	3	paper	paper	NOUN
fsr-3358	334	4	we	we	PRON
fsr-3358	334	5	are	be	AUX
fsr-3358	334	6	particularly	particularly	ADV
fsr-3358	334	7	interested	interested	ADJ
fsr-3358	334	8	in	in	ADP
fsr-3358	334	9	clustering	clustering	ADJ
fsr-3358	334	10	methods	method	NOUN
fsr-3358	334	11	for	for	ADP
fsr-3358	334	12	financial	financial	ADJ
fsr-3358	334	13	trades	trade	NOUN
fsr-3358	334	14	and	and	CCONJ
fsr-3358	334	15	transactions	transaction	NOUN
fsr-3358	334	16	.	.	PUNCT
fsr-3358	335	1	recent	recent	ADJ
fsr-3358	335	2	work	work	NOUN
fsr-3358	335	3	in	in	ADP
fsr-3358	335	4	this	this	DET
fsr-3358	335	5	area	area	NOUN
fsr-3358	335	6	includes	include	VERB
fsr-3358	335	7	agglomerative	agglomerative	ADJ
fsr-3358	335	8	hierarchical	hierarchical	ADJ
fsr-3358	335	9	clustering	clustering	NOUN
fsr-3358	335	10	for	for	ADP
fsr-3358	335	11	asset	asset	NOUN
fsr-3358	335	12	allocation	allocation	NOUN
fsr-3358	335	13	(	(	PUNCT
fsr-3358	335	14	raffinot	raffinot	NOUN
fsr-3358	335	15	,	,	PUNCT
fsr-3358	335	16	2017	2017	NUM
fsr-3358	335	17	)	)	PUNCT
fsr-3358	335	18	and	and	CCONJ
fsr-3358	335	19	aggregating	aggregate	VERB
fsr-3358	335	20	stocks	stock	NOUN
fsr-3358	335	21	using	use	VERB
fsr-3358	335	22	dynamic	dynamic	ADJ
fsr-3358	335	23	time	time	NOUN
fsr-3358	335	24	-	-	PUNCT
fsr-3358	335	25	series	series	NOUN
fsr-3358	335	26	warping	warp	VERB
fsr-3358	335	27	as	as	ADP
fsr-3358	335	28	a	a	DET
fsr-3358	335	29	distance	distance	NOUN
fsr-3358	335	30	measure	measure	NOUN
fsr-3358	335	31	(	(	PUNCT
fsr-3358	335	32	lim	lim	PROPN
fsr-3358	335	33	et	et	PROPN
fsr-3358	335	34	al	al	PROPN
fsr-3358	335	35	.	.	PROPN
fsr-3358	335	36	,	,	PUNCT
fsr-3358	335	37	2020	2020	NUM
fsr-3358	335	38	)	)	PUNCT
fsr-3358	335	39	,	,	PUNCT
fsr-3358	335	40	selforganizing	selforganize	VERB
fsr-3358	335	41	maps	map	NOUN
fsr-3358	335	42	and	and	CCONJ
fsr-3358	335	43	k	k	NOUN
fsr-3358	335	44	-	-	PUNCT
fsr-3358	335	45	means	mean	VERB
fsr-3358	335	46	clustering	clustering	ADJ
fsr-3358	335	47	methods	method	NOUN
fsr-3358	335	48	in	in	ADP
fsr-3358	335	49	combination	combination	NOUN
fsr-3358	335	50	with	with	ADP
fsr-3358	335	51	classifier	classifier	NOUN
fsr-3358	335	52	techniques	technique	NOUN
fsr-3358	335	53	to	to	PART
fsr-3358	335	54	predict	predict	VERB
fsr-3358	335	55	financial	financial	ADJ
fsr-3358	335	56	distress	distress	NOUN
fsr-3358	335	57	(	(	PUNCT
fsr-3358	335	58	tsai	tsai	PROPN
fsr-3358	335	59	,	,	PUNCT
fsr-3358	335	60	2014	2014	NUM
fsr-3358	335	61	)	)	PUNCT
fsr-3358	335	62	,	,	PUNCT
fsr-3358	335	63	fuzzy	fuzzy	ADJ
fsr-3358	335	64	cmedoids	cmedoid	NOUN
fsr-3358	335	65	clustering	cluster	VERB
fsr-3358	335	66	method	method	NOUN
fsr-3358	335	67	for	for	ADP
fsr-3358	335	68	classifying	classify	VERB
fsr-3358	335	69	financial	financial	ADJ
fsr-3358	335	70	time	time	NOUN
fsr-3358	335	71	series	series	NOUN
fsr-3358	335	72	(	(	PUNCT
fsr-3358	335	73	d’urso	d’urso	PROPN
fsr-3358	335	74	et	et	PROPN
fsr-3358	335	75	al	al	PROPN
fsr-3358	335	76	.	.	PROPN
fsr-3358	335	77	,	,	PUNCT
fsr-3358	335	78	2013	2013	NUM
fsr-3358	335	79	)	)	PUNCT
fsr-3358	335	80	,	,	PUNCT
fsr-3358	335	81	and	and	CCONJ
fsr-3358	335	82	clustering	cluster	VERB
fsr-3358	335	83	algorithms	algorithm	NOUN
fsr-3358	335	84	for	for	ADP
fsr-3358	335	85	financial	financial	ADJ
fsr-3358	335	86	risk	risk	NOUN
fsr-3358	335	87	analysis	analysis	NOUN
fsr-3358	335	88	using	use	VERB
fsr-3358	335	89	multiple	multiple	ADJ
fsr-3358	335	90	criteria	criterion	NOUN
fsr-3358	335	91	decision	decision	NOUN
fsr-3358	335	92	-	-	PUNCT
fsr-3358	335	93	making	make	VERB
fsr-3358	335	94	methods	method	NOUN
fsr-3358	335	95	(	(	PUNCT
fsr-3358	335	96	kou	kou	PROPN
fsr-3358	335	97	et	et	PROPN
fsr-3358	335	98	al	al	PROPN
fsr-3358	335	99	.	.	PROPN
fsr-3358	335	100	,	,	PUNCT
fsr-3358	335	101	2014	2014	NUM
fsr-3358	335	102	)	)	PUNCT
fsr-3358	335	103	.	.	PUNCT
fsr-3358	336	1	absent	absent	ADJ
fsr-3358	336	2	from	from	ADP
fsr-3358	336	3	this	this	DET
fsr-3358	336	4	body	body	NOUN
fsr-3358	336	5	of	of	ADP
fsr-3358	336	6	work	work	NOUN
fsr-3358	336	7	is	be	AUX
fsr-3358	336	8	the	the	DET
fsr-3358	336	9	use	use	NOUN
fsr-3358	336	10	of	of	ADP
fsr-3358	336	11	this	this	DET
fsr-3358	336	12	broad	broad	ADJ
fsr-3358	336	13	class	class	NOUN
fsr-3358	336	14	of	of	ADP
fsr-3358	336	15	techniques	technique	NOUN
fsr-3358	336	16	to	to	PART
fsr-3358	336	17	analyze	analyze	VERB
fsr-3358	336	18	trading	trading	NOUN
fsr-3358	336	19	behaviours	behaviour	NOUN
fsr-3358	336	20	,	,	PUNCT
fsr-3358	336	21	the	the	DET
fsr-3358	336	22	focus	focus	NOUN
fsr-3358	336	23	of	of	ADP
fsr-3358	336	24	this	this	DET
fsr-3358	336	25	paper	paper	NOUN
fsr-3358	336	26	.	.	PUNCT
fsr-3358	337	1	in	in	ADP
fsr-3358	337	2	our	our	PRON
fsr-3358	337	3	study	study	NOUN
fsr-3358	337	4	,	,	PUNCT
fsr-3358	337	5	we	we	PRON
fsr-3358	337	6	deployed	deploy	VERB
fsr-3358	337	7	machine	machine	NOUN
fsr-3358	337	8	learning	learn	VERB
fsr-3358	337	9	to	to	PART
fsr-3358	337	10	help	help	VERB
fsr-3358	337	11	uncover	uncover	VERB
fsr-3358	337	12	previously	previously	ADV
fsr-3358	337	13	unknown	unknown	ADJ
fsr-3358	337	14	patterns	pattern	NOUN
fsr-3358	337	15	in	in	ADP
fsr-3358	337	16	the	the	DET
fsr-3358	337	17	data	data	PROPN
fsr-3358	337	18	.	.	PUNCT
fsr-3358	338	1	machine	machine	NOUN
fsr-3358	338	2	learning	learning	NOUN
fsr-3358	338	3	–	–	PUNCT
fsr-3358	338	4	and	and	CCONJ
fsr-3358	338	5	in	in	ADP
fsr-3358	338	6	particular	particular	ADJ
fsr-3358	338	7	,	,	PUNCT
fsr-3358	338	8	grace	grace	NOUN
fsr-3358	338	9	et	et	PROPN
fsr-3358	338	10	al	al	PROPN
fsr-3358	338	11	.	.	PROPN
fsr-3358	338	12	19	19	NUM
fsr-3358	338	13	clustering	clustering	NOUN
fsr-3358	338	14	–	–	PUNCT
fsr-3358	338	15	has	have	AUX
fsr-3358	338	16	proven	prove	VERB
fsr-3358	338	17	to	to	PART
fsr-3358	338	18	be	be	AUX
fsr-3358	338	19	invaluable	invaluable	ADJ
fsr-3358	338	20	when	when	SCONJ
fsr-3358	338	21	examining	examine	VERB
fsr-3358	338	22	large	large	ADJ
fsr-3358	338	23	,	,	PUNCT
fsr-3358	338	24	complex	complex	ADJ
fsr-3358	338	25	datasets	dataset	NOUN
fsr-3358	338	26	.	.	PUNCT
fsr-3358	339	1	our	our	PRON
fsr-3358	339	2	datasets	dataset	NOUN
fsr-3358	339	3	encompassed	encompass	VERB
fsr-3358	339	4	over	over	ADP
fsr-3358	339	5	200	200	NUM
fsr-3358	339	6	discrete	discrete	ADJ
fsr-3358	339	7	variables	variable	NOUN
fsr-3358	339	8	,	,	PUNCT
fsr-3358	339	9	some	some	PRON
fsr-3358	339	10	of	of	ADP
fsr-3358	339	11	which	which	PRON
fsr-3358	339	12	changed	change	VERB
fsr-3358	339	13	daily	daily	ADV
fsr-3358	339	14	over	over	ADP
fsr-3358	339	15	the	the	DET
fsr-3358	339	16	36	36	NUM
fsr-3358	339	17	months	month	NOUN
fsr-3358	339	18	of	of	ADP
fsr-3358	339	19	observation	observation	NOUN
fsr-3358	339	20	.	.	PUNCT
fsr-3358	340	1	we	we	PRON
fsr-3358	340	2	deployed	deploy	VERB
fsr-3358	340	3	two	two	NUM
fsr-3358	340	4	machine	machine	NOUN
fsr-3358	340	5	learning	learn	VERB
fsr-3358	340	6	techniques	technique	NOUN
fsr-3358	340	7	:	:	PUNCT
fsr-3358	340	8	dynamic	dynamic	ADJ
fsr-3358	340	9	time	time	NOUN
fsr-3358	340	10	warping	warp	VERB
fsr-3358	340	11	and	and	CCONJ
fsr-3358	340	12	kmeans	kmean	NOUN
fsr-3358	340	13	clustering	cluster	VERB
fsr-3358	340	14	using	use	VERB
fsr-3358	340	15	python	python	NOUN
fsr-3358	340	16	,	,	PUNCT
fsr-3358	340	17	pycharm	pycharm	NOUN
fsr-3358	340	18	,	,	PUNCT
fsr-3358	340	19	tslearn	tslearn	ADJ
fsr-3358	340	20	and	and	CCONJ
fsr-3358	340	21	dtaidistance	dtaidistance	NOUN
fsr-3358	340	22	software	software	NOUN
fsr-3358	340	23	.	.	PUNCT
fsr-3358	341	1	we	we	PRON
fsr-3358	341	2	used	use	VERB
fsr-3358	341	3	dynamic	dynamic	ADJ
fsr-3358	341	4	time	time	NOUN
fsr-3358	341	5	warping	warp	VERB
fsr-3358	341	6	(	(	PUNCT
fsr-3358	341	7	dtw	dtw	NOUN
fsr-3358	341	8	)	)	PUNCT
fsr-3358	341	9	to	to	PART
fsr-3358	341	10	quantify	quantify	VERB
fsr-3358	341	11	the	the	DET
fsr-3358	341	12	degree	degree	NOUN
fsr-3358	341	13	of	of	ADP
fsr-3358	341	14	similarity	similarity	NOUN
fsr-3358	341	15	among	among	ADP
fsr-3358	341	16	various	various	ADJ
fsr-3358	341	17	portfolios	portfolio	NOUN
fsr-3358	341	18	'	'	PART
fsr-3358	341	19	weekly	weekly	ADJ
fsr-3358	341	20	average	average	ADJ
fsr-3358	341	21	market	market	NOUN
fsr-3358	341	22	values	value	NOUN
fsr-3358	341	23	.	.	PUNCT
fsr-3358	342	1	we	we	PRON
fsr-3358	342	2	trained	train	VERB
fsr-3358	342	3	our	our	PRON
fsr-3358	342	4	dtw	dtw	NOUN
fsr-3358	342	5	models	model	NOUN
fsr-3358	342	6	using	use	VERB
fsr-3358	342	7	the	the	DET
fsr-3358	342	8	rrsp	rrsp	PROPN
fsr-3358	342	9	portfolio	portfolio	NOUN
fsr-3358	342	10	's	's	PART
fsr-3358	342	11	weekly	weekly	ADJ
fsr-3358	342	12	average	average	ADJ
fsr-3358	342	13	market	market	NOUN
fsr-3358	342	14	values	value	NOUN
fsr-3358	342	15	(	(	PUNCT
fsr-3358	342	16	the	the	DET
fsr-3358	342	17	sole	sole	ADJ
fsr-3358	342	18	variable	variable	NOUN
fsr-3358	342	19	utilized	utilize	VERB
fsr-3358	342	20	in	in	ADP
fsr-3358	342	21	our	our	PRON
fsr-3358	342	22	time	time	NOUN
fsr-3358	342	23	series	series	PROPN
fsr-3358	342	24	analysis	analysis	NOUN
fsr-3358	342	25	)	)	PUNCT
fsr-3358	342	26	.	.	PUNCT
fsr-3358	343	1	we	we	PRON
fsr-3358	343	2	then	then	ADV
fsr-3358	343	3	conducted	conduct	VERB
fsr-3358	343	4	a	a	DET
fsr-3358	343	5	deeper	deep	ADJ
fsr-3358	343	6	within	within	ADP
fsr-3358	343	7	-	-	PUNCT
fsr-3358	343	8	cluster	cluster	NOUN
fsr-3358	343	9	analysis	analysis	NOUN
fsr-3358	343	10	on	on	ADP
fsr-3358	343	11	kyc	kyc	PROPN
fsr-3358	343	12	variables	variable	NOUN
fsr-3358	343	13	such	such	ADJ
fsr-3358	343	14	as	as	ADP
fsr-3358	343	15	income	income	NOUN
fsr-3358	343	16	and	and	CCONJ
fsr-3358	343	17	retirement	retirement	NOUN
fsr-3358	343	18	indicators	indicator	NOUN
fsr-3358	343	19	,	,	PUNCT
fsr-3358	343	20	however	however	ADV
fsr-3358	343	21	these	these	DET
fsr-3358	343	22	variables	variable	NOUN
fsr-3358	343	23	were	be	AUX
fsr-3358	343	24	n't	not	PART
fsr-3358	343	25	included	include	VERB
fsr-3358	343	26	in	in	ADP
fsr-3358	343	27	our	our	PRON
fsr-3358	343	28	model	model	NOUN
fsr-3358	343	29	training	training	NOUN
fsr-3358	343	30	.	.	PUNCT
fsr-3358	344	1	by	by	ADP
fsr-3358	344	2	capturing	capture	VERB
fsr-3358	344	3	the	the	DET
fsr-3358	344	4	temporal	temporal	ADJ
fsr-3358	344	5	dynamics	dynamic	NOUN
fsr-3358	344	6	of	of	ADP
fsr-3358	344	7	these	these	DET
fsr-3358	344	8	portfolios	portfolio	NOUN
fsr-3358	344	9	,	,	PUNCT
fsr-3358	344	10	we	we	PRON
fsr-3358	344	11	were	be	AUX
fsr-3358	344	12	able	able	ADJ
fsr-3358	344	13	to	to	PART
fsr-3358	344	14	identify	identify	VERB
fsr-3358	344	15	patterns	pattern	NOUN
fsr-3358	344	16	in	in	ADP
fsr-3358	344	17	clients	client	NOUN
fsr-3358	344	18	’	’	PART
fsr-3358	344	19	trading	trading	NOUN
fsr-3358	344	20	behaviors	behavior	NOUN
fsr-3358	344	21	.	.	PUNCT
fsr-3358	345	1	afterward	afterward	ADV
fsr-3358	345	2	,	,	PUNCT
fsr-3358	345	3	we	we	PRON
fsr-3358	345	4	applied	apply	VERB
fsr-3358	345	5	k	k	ADJ
fsr-3358	345	6	-	-	PUNCT
fsr-3358	345	7	means	mean	VERB
fsr-3358	345	8	clustering	cluster	VERB
fsr-3358	345	9	algorithms	algorithm	NOUN
fsr-3358	345	10	to	to	PART
fsr-3358	345	11	categorize	categorize	VERB
fsr-3358	345	12	portfolios	portfolio	NOUN
fsr-3358	345	13	exhibiting	exhibit	VERB
fsr-3358	345	14	similar	similar	ADJ
fsr-3358	345	15	trajectories	trajectory	NOUN
fsr-3358	345	16	.	.	PUNCT
fsr-3358	346	1	this	this	DET
fsr-3358	346	2	approach	approach	NOUN
fsr-3358	346	3	allowed	allow	VERB
fsr-3358	346	4	us	we	PRON
fsr-3358	346	5	to	to	PART
fsr-3358	346	6	systematically	systematically	ADV
fsr-3358	346	7	organize	organize	VERB
fsr-3358	346	8	portfolios	portfolio	NOUN
fsr-3358	346	9	into	into	ADP
fsr-3358	346	10	clusters	cluster	NOUN
fsr-3358	346	11	that	that	PRON
fsr-3358	346	12	demonstrate	demonstrate	VERB
fsr-3358	346	13	distinct	distinct	ADJ
fsr-3358	346	14	investment	investment	NOUN
fsr-3358	346	15	behaviors	behavior	NOUN
fsr-3358	346	16	.	.	PUNCT
fsr-3358	347	1	the	the	DET
fsr-3358	347	2	figures	figure	NOUN
fsr-3358	347	3	below	below	ADV
fsr-3358	347	4	(	(	PUNCT
fsr-3358	347	5	figures	figure	NOUN
fsr-3358	347	6	3	3	NUM
fsr-3358	347	7	and	and	CCONJ
fsr-3358	347	8	4	4	NUM
fsr-3358	347	9	)	)	PUNCT
fsr-3358	347	10	represent	represent	VERB
fsr-3358	347	11	the	the	DET
fsr-3358	347	12	trajectories	trajectory	NOUN
fsr-3358	347	13	of	of	ADP
fsr-3358	347	14	three	three	NUM
fsr-3358	347	15	distinct	distinct	ADJ
fsr-3358	347	16	client	client	NOUN
fsr-3358	347	17	groups	group	NOUN
fsr-3358	347	18	within	within	ADP
fsr-3358	347	19	each	each	PRON
fsr-3358	347	20	of	of	ADP
fsr-3358	347	21	dataset	dataset	ADJ
fsr-3358	347	22	1	1	NUM
fsr-3358	347	23	and	and	CCONJ
fsr-3358	347	24	dataset	dataset	VERB
fsr-3358	347	25	2	2	NUM
fsr-3358	347	26	.	.	PUNCT
fsr-3358	348	1	this	this	DET
fsr-3358	348	2	visual	visual	ADJ
fsr-3358	348	3	representation	representation	NOUN
fsr-3358	348	4	helps	help	VERB
fsr-3358	348	5	validate	validate	VERB
fsr-3358	348	6	our	our	PRON
fsr-3358	348	7	data	data	NOUN
fsr-3358	348	8	-	-	PUNCT
fsr-3358	348	9	driven	drive	VERB
fsr-3358	348	10	grouping	grouping	NOUN
fsr-3358	348	11	and	and	CCONJ
fsr-3358	348	12	helps	help	VERB
fsr-3358	348	13	to	to	PART
fsr-3358	348	14	highlight	highlight	VERB
fsr-3358	348	15	the	the	DET
fsr-3358	348	16	unique	unique	ADJ
fsr-3358	348	17	trends	trend	NOUN
fsr-3358	348	18	within	within	ADP
fsr-3358	348	19	each	each	DET
fsr-3358	348	20	cluster	cluster	NOUN
fsr-3358	348	21	.	.	PUNCT
fsr-3358	349	1	classification	classification	NOUN
fsr-3358	349	2	of	of	ADP
fsr-3358	349	3	investor	investor	NOUN
fsr-3358	349	4	accounts	account	NOUN
fsr-3358	349	5	by	by	ADP
fsr-3358	349	6	contribution	contribution	NOUN
fsr-3358	349	7	frequency	frequency	NOUN
fsr-3358	349	8	each	each	PRON
fsr-3358	349	9	of	of	ADP
fsr-3358	349	10	the	the	DET
fsr-3358	349	11	datasets	dataset	NOUN
fsr-3358	349	12	under	under	ADP
fsr-3358	349	13	study	study	NOUN
fsr-3358	349	14	included	include	VERB
fsr-3358	349	15	transaction	transaction	NOUN
fsr-3358	349	16	level	level	NOUN
fsr-3358	349	17	detail	detail	NOUN
fsr-3358	349	18	at	at	ADP
fsr-3358	349	19	a	a	DET
fsr-3358	349	20	daily	daily	ADJ
fsr-3358	349	21	level	level	NOUN
fsr-3358	349	22	.	.	PUNCT
fsr-3358	350	1	to	to	PART
fsr-3358	350	2	examine	examine	VERB
fsr-3358	350	3	contribution	contribution	NOUN
fsr-3358	350	4	patterns	pattern	NOUN
fsr-3358	350	5	in	in	ADP
fsr-3358	350	6	terms	term	NOUN
fsr-3358	350	7	of	of	ADP
fsr-3358	350	8	frequency	frequency	NOUN
fsr-3358	350	9	,	,	PUNCT
fsr-3358	350	10	we	we	PRON
fsr-3358	350	11	first	first	ADV
fsr-3358	350	12	curated	curate	VERB
fsr-3358	350	13	the	the	DET
fsr-3358	350	14	data	datum	NOUN
fsr-3358	350	15	to	to	PART
fsr-3358	350	16	eliminate	eliminate	VERB
fsr-3358	350	17	transactions	transaction	NOUN
fsr-3358	350	18	that	that	PRON
fsr-3358	350	19	did	do	AUX
fsr-3358	350	20	not	not	PART
fsr-3358	350	21	affect	affect	VERB
fsr-3358	350	22	portfolio	portfolio	NOUN
fsr-3358	350	23	market	market	NOUN
fsr-3358	350	24	values	value	NOUN
fsr-3358	350	25	.	.	PUNCT
fsr-3358	351	1	for	for	ADP
fsr-3358	351	2	example	example	NOUN
fsr-3358	351	3	,	,	PUNCT
fsr-3358	351	4	administrative	administrative	ADJ
fsr-3358	351	5	adjustments	adjustment	NOUN
fsr-3358	351	6	,	,	PUNCT
fsr-3358	351	7	corrective	corrective	ADJ
fsr-3358	351	8	transactions	transaction	NOUN
fsr-3358	351	9	,	,	PUNCT
fsr-3358	351	10	and	and	CCONJ
fsr-3358	351	11	some	some	DET
fsr-3358	351	12	fees	fee	NOUN
fsr-3358	351	13	collected	collect	VERB
fsr-3358	351	14	directly	directly	ADV
fsr-3358	351	15	from	from	ADP
fsr-3358	351	16	the	the	DET
fsr-3358	351	17	client	client	NOUN
fsr-3358	351	18	.	.	PUNCT
fsr-3358	352	1	we	we	PRON
fsr-3358	352	2	then	then	ADV
fsr-3358	352	3	aggregated	aggregate	VERB
fsr-3358	352	4	the	the	DET
fsr-3358	352	5	remaining	remain	VERB
fsr-3358	352	6	transactions	transaction	NOUN
fsr-3358	352	7	at	at	ADP
fsr-3358	352	8	a	a	DET
fsr-3358	352	9	daily	daily	ADJ
fsr-3358	352	10	level	level	NOUN
fsr-3358	352	11	for	for	ADP
fsr-3358	352	12	each	each	DET
fsr-3358	352	13	client	client	NOUN
fsr-3358	352	14	to	to	PART
fsr-3358	352	15	see	see	VERB
fsr-3358	352	16	whether	whether	SCONJ
fsr-3358	352	17	the	the	DET
fsr-3358	352	18	net	net	ADJ
fsr-3358	352	19	sum	sum	NOUN
fsr-3358	352	20	of	of	ADP
fsr-3358	352	21	these	these	DET
fsr-3358	352	22	activities	activity	NOUN
fsr-3358	352	23	was	be	AUX
fsr-3358	352	24	positive	positive	ADJ
fsr-3358	352	25	for	for	ADP
fsr-3358	352	26	a	a	DET
fsr-3358	352	27	given	give	VERB
fsr-3358	352	28	day	day	NOUN
fsr-3358	352	29	.	.	PUNCT
fsr-3358	353	1	if	if	SCONJ
fsr-3358	353	2	the	the	DET
fsr-3358	353	3	total	total	ADJ
fsr-3358	353	4	number	number	NOUN
fsr-3358	353	5	of	of	ADP
fsr-3358	353	6	days	day	NOUN
fsr-3358	353	7	with	with	ADP
fsr-3358	353	8	positive	positive	ADJ
fsr-3358	353	9	net	net	ADJ
fsr-3358	353	10	sum	sum	NOUN
fsr-3358	353	11	was	be	AUX
fsr-3358	353	12	greater	great	ADJ
fsr-3358	353	13	than	than	ADP
fsr-3358	353	14	90	90	NUM
fsr-3358	353	15	%	%	NOUN
fsr-3358	353	16	of	of	ADP
fsr-3358	353	17	the	the	DET
fsr-3358	353	18	total	total	ADJ
fsr-3358	353	19	number	number	NOUN
fsr-3358	353	20	of	of	ADP
fsr-3358	353	21	business	business	NOUN
fsr-3358	353	22	days	day	NOUN
fsr-3358	353	23	in	in	ADP
fsr-3358	353	24	the	the	DET
fsr-3358	353	25	interval	interval	NOUN
fsr-3358	353	26	,	,	PUNCT
fsr-3358	353	27	the	the	DET
fsr-3358	353	28	account	account	NOUN
fsr-3358	353	29	was	be	AUX
fsr-3358	353	30	classified	classify	VERB
fsr-3358	353	31	as	as	ADP
fsr-3358	353	32	a	a	DET
fsr-3358	353	33	daily	daily	ADJ
fsr-3358	353	34	contributor	contributor	NOUN
fsr-3358	353	35	,	,	PUNCT
fsr-3358	353	36	otherwise	otherwise	ADV
fsr-3358	353	37	,	,	PUNCT
fsr-3358	353	38	the	the	DET
fsr-3358	353	39	aggregation	aggregation	NOUN
fsr-3358	353	40	was	be	AUX
fsr-3358	353	41	repeated	repeat	VERB
fsr-3358	353	42	,	,	PUNCT
fsr-3358	353	43	respectively	respectively	ADV
fsr-3358	353	44	,	,	PUNCT
fsr-3358	353	45	on	on	ADP
fsr-3358	353	46	weekly	weekly	ADJ
fsr-3358	353	47	,	,	PUNCT
fsr-3358	353	48	biweekly	biweekly	ADJ
fsr-3358	353	49	,	,	PUNCT
fsr-3358	353	50	monthly	monthly	ADV
fsr-3358	353	51	,	,	PUNCT
fsr-3358	353	52	and	and	CCONJ
fsr-3358	353	53	quarterly	quarterly	ADJ
fsr-3358	353	54	levels	level	NOUN
fsr-3358	353	55	to	to	PART
fsr-3358	353	56	classify	classify	VERB
fsr-3358	353	57	every	every	DET
fsr-3358	353	58	account	account	NOUN
fsr-3358	353	59	according	accord	VERB
fsr-3358	353	60	to	to	ADP
fsr-3358	353	61	its	its	PRON
fsr-3358	353	62	contribution	contribution	NOUN
fsr-3358	353	63	pattern	pattern	NOUN
fsr-3358	353	64	.	.	PUNCT
fsr-3358	354	1	this	this	DET
fsr-3358	354	2	bottom	bottom	ADJ
fsr-3358	354	3	-	-	PUNCT
fsr-3358	354	4	up	up	ADP
fsr-3358	354	5	approach	approach	NOUN
fsr-3358	354	6	used	use	VERB
fsr-3358	354	7	the	the	DET
fsr-3358	354	8	same	same	ADJ
fsr-3358	354	9	threshold	threshold	NOUN
fsr-3358	354	10	for	for	ADP
fsr-3358	354	11	pattern	pattern	NOUN
fsr-3358	354	12	similarity	similarity	NOUN
fsr-3358	354	13	(	(	PUNCT
fsr-3358	354	14	i.e.	i.e.	X
fsr-3358	354	15	,	,	PUNCT
fsr-3358	354	16	90	90	NUM
fsr-3358	354	17	%	%	NOUN
fsr-3358	354	18	)	)	PUNCT
fsr-3358	354	19	at	at	ADP
fsr-3358	354	20	every	every	DET
fsr-3358	354	21	level	level	NOUN
fsr-3358	354	22	of	of	ADP
fsr-3358	354	23	aggregation	aggregation	NOUN
fsr-3358	354	24	.	.	PUNCT
fsr-3358	355	1	if	if	SCONJ
fsr-3358	355	2	an	an	DET
fsr-3358	355	3	account	account	NOUN
fsr-3358	355	4	failed	fail	VERB
fsr-3358	355	5	to	to	PART
fsr-3358	355	6	be	be	AUX
fsr-3358	355	7	classified	classify	VERB
fsr-3358	355	8	as	as	ADP
fsr-3358	355	9	one	one	NUM
fsr-3358	355	10	of	of	ADP
fsr-3358	355	11	the	the	DET
fsr-3358	355	12	predefined	predefine	VERB
fsr-3358	355	13	periodic	periodic	ADJ
fsr-3358	355	14	contributors	contributor	NOUN
fsr-3358	355	15	,	,	PUNCT
fsr-3358	355	16	it	it	PRON
fsr-3358	355	17	was	be	AUX
fsr-3358	355	18	categorized	categorize	VERB
fsr-3358	355	19	as	as	ADP
fsr-3358	355	20	an	an	DET
fsr-3358	355	21	irregular	irregular	ADJ
fsr-3358	355	22	contributor	contributor	NOUN
fsr-3358	355	23	.	.	PUNCT
fsr-3358	356	1	results	result	NOUN
fsr-3358	356	2	are	be	AUX
fsr-3358	356	3	included	include	VERB
fsr-3358	356	4	in	in	ADP
fsr-3358	356	5	appendix	appendix	NOUN
fsr-3358	356	6	7	7	NUM
fsr-3358	356	7	.	.	NOUN
fsr-3358	356	8	time	time	NOUN
fsr-3358	356	9	series	series	PROPN
fsr-3358	356	10	data	data	PROPN
fsr-3358	356	11	clustering	clustering	NOUN
fsr-3358	356	12	has	have	AUX
fsr-3358	356	13	become	become	VERB
fsr-3358	356	14	an	an	DET
fsr-3358	356	15	important	important	ADJ
fsr-3358	356	16	part	part	NOUN
fsr-3358	356	17	of	of	ADP
fsr-3358	356	18	financial	financial	ADJ
fsr-3358	356	19	data	datum	NOUN
fsr-3358	356	20	analysis	analysis	NOUN
fsr-3358	356	21	due	due	ADP
fsr-3358	356	22	to	to	ADP
fsr-3358	356	23	its	its	PRON
fsr-3358	356	24	ability	ability	NOUN
fsr-3358	356	25	to	to	PART
fsr-3358	356	26	reveal	reveal	VERB
fsr-3358	356	27	hidden	hidden	ADJ
fsr-3358	356	28	patterns	pattern	NOUN
fsr-3358	356	29	and	and	CCONJ
fsr-3358	356	30	correlations	correlation	NOUN
fsr-3358	356	31	in	in	ADP
fsr-3358	356	32	time	time	NOUN
fsr-3358	356	33	-	-	PUNCT
fsr-3358	356	34	series	series	NOUN
fsr-3358	356	35	data	datum	NOUN
fsr-3358	356	36	.	.	PUNCT
fsr-3358	357	1	by	by	ADP
fsr-3358	357	2	grouping	group	VERB
fsr-3358	357	3	similar	similar	ADJ
fsr-3358	357	4	time	time	NOUN
fsr-3358	357	5	series	series	NOUN
fsr-3358	357	6	together	together	ADV
fsr-3358	357	7	,	,	PUNCT
fsr-3358	357	8	it	it	PRON
fsr-3358	357	9	allows	allow	VERB
fsr-3358	357	10	for	for	ADP
fsr-3358	357	11	a	a	DET
fsr-3358	357	12	more	more	ADV
fsr-3358	357	13	efficient	efficient	ADJ
fsr-3358	357	14	and	and	CCONJ
fsr-3358	357	15	targeted	target	VERB
fsr-3358	357	16	analysis	analysis	NOUN
fsr-3358	357	17	,	,	PUNCT
fsr-3358	357	18	enabling	enable	VERB
fsr-3358	357	19	analysts	analyst	NOUN
fsr-3358	357	20	to	to	PART
fsr-3358	357	21	draw	draw	VERB
fsr-3358	357	22	conclusions	conclusion	NOUN
fsr-3358	357	23	about	about	ADP
fsr-3358	357	24	collective	collective	ADJ
fsr-3358	357	25	behaviour	behaviour	NOUN
fsr-3358	357	26	or	or	CCONJ
fsr-3358	357	27	attributes	attribute	NOUN
fsr-3358	357	28	.	.	PUNCT
fsr-3358	358	1	studies	study	NOUN
fsr-3358	358	2	have	have	AUX
fsr-3358	358	3	corroborated	corroborate	VERB
fsr-3358	358	4	the	the	DET
fsr-3358	358	5	efficiency	efficiency	NOUN
fsr-3358	358	6	of	of	ADP
fsr-3358	358	7	using	use	VERB
fsr-3358	358	8	time	time	NOUN
fsr-3358	358	9	series	series	NOUN
fsr-3358	358	10	clustering	cluster	VERB
fsr-3358	358	11	for	for	ADP
fsr-3358	358	12	financial	financial	ADJ
fsr-3358	358	13	data	datum	NOUN
fsr-3358	358	14	analysis	analysis	NOUN
fsr-3358	358	15	,	,	PUNCT
fsr-3358	358	16	highlighting	highlight	VERB
fsr-3358	358	17	its	its	PRON
fsr-3358	358	18	validity	validity	NOUN
fsr-3358	358	19	as	as	ADP
fsr-3358	358	20	an	an	DET
fsr-3358	358	21	approach	approach	NOUN
fsr-3358	358	22	(	(	PUNCT
fsr-3358	358	23	dose	dose	NOUN
fsr-3358	358	24	et	et	PROPN
fsr-3358	358	25	al	al	PROPN
fsr-3358	358	26	.	.	PROPN
fsr-3358	358	27	,	,	PUNCT
fsr-3358	358	28	2005	2005	NUM
fsr-3358	358	29	)	)	PUNCT
fsr-3358	358	30	.	.	PUNCT
fsr-3358	359	1	min	min	PROPN
fsr-3358	359	2	-	-	PUNCT
fsr-3358	359	3	max	max	ADJ
fsr-3358	359	4	scaling	scaling	NOUN
fsr-3358	359	5	before	before	ADP
fsr-3358	359	6	proceeding	proceed	VERB
fsr-3358	359	7	with	with	ADP
fsr-3358	359	8	the	the	DET
fsr-3358	359	9	clustering	clustering	ADJ
fsr-3358	359	10	process	process	NOUN
fsr-3358	359	11	,	,	PUNCT
fsr-3358	359	12	it	it	PRON
fsr-3358	359	13	's	be	AUX
fsr-3358	359	14	essential	essential	ADJ
fsr-3358	359	15	to	to	PART
fsr-3358	359	16	scale	scale	VERB
fsr-3358	359	17	the	the	DET
fsr-3358	359	18	time	time	NOUN
fsr-3358	359	19	series	series	PROPN
fsr-3358	359	20	data	datum	NOUN
fsr-3358	359	21	to	to	PART
fsr-3358	359	22	ensure	ensure	VERB
fsr-3358	359	23	that	that	SCONJ
fsr-3358	359	24	the	the	DET
fsr-3358	359	25	variance	variance	NOUN
fsr-3358	359	26	in	in	ADP
fsr-3358	359	27	scale	scale	NOUN
fsr-3358	359	28	of	of	ADP
fsr-3358	359	29	different	different	ADJ
fsr-3358	359	30	features	feature	NOUN
fsr-3358	359	31	does	do	AUX
fsr-3358	359	32	not	not	PART
fsr-3358	359	33	distort	distort	VERB
fsr-3358	359	34	the	the	DET
fsr-3358	359	35	distances	distance	NOUN
fsr-3358	359	36	between	between	ADP
fsr-3358	359	37	data	datum	NOUN
fsr-3358	359	38	points	point	NOUN
fsr-3358	359	39	,	,	PUNCT
fsr-3358	359	40	which	which	PRON
fsr-3358	359	41	in	in	ADP
fsr-3358	359	42	turn	turn	NOUN
fsr-3358	359	43	would	would	AUX
fsr-3358	359	44	impact	impact	VERB
fsr-3358	359	45	the	the	DET
fsr-3358	359	46	performance	performance	NOUN
fsr-3358	359	47	of	of	ADP
fsr-3358	359	48	the	the	DET
fsr-3358	359	49	clustering	cluster	VERB
fsr-3358	359	50	algorithm	algorithm	NOUN
fsr-3358	359	51	.	.	PUNCT
fsr-3358	360	1	min	min	ADJ
fsr-3358	360	2	-	-	ADJ
fsr-3358	360	3	max	max	ADJ
fsr-3358	360	4	scaling	scaling	NOUN
fsr-3358	360	5	is	be	AUX
fsr-3358	360	6	an	an	DET
fsr-3358	360	7	effective	effective	ADJ
fsr-3358	360	8	method	method	NOUN
fsr-3358	360	9	in	in	ADP
fsr-3358	360	10	this	this	DET
fsr-3358	360	11	regard	regard	NOUN
fsr-3358	360	12	,	,	PUNCT
fsr-3358	360	13	as	as	SCONJ
fsr-3358	360	14	it	it	PRON
fsr-3358	360	15	brings	bring	VERB
fsr-3358	360	16	all	all	DET
fsr-3358	360	17	values	value	NOUN
fsr-3358	360	18	within	within	ADP
fsr-3358	360	19	a	a	DET
fsr-3358	360	20	predetermined	predetermined	ADJ
fsr-3358	360	21	range	range	NOUN
fsr-3358	360	22	,	,	PUNCT
fsr-3358	360	23	typically	typically	ADV
fsr-3358	360	24	between	between	ADP
fsr-3358	360	25	0	0	NUM
fsr-3358	360	26	and	and	CCONJ
fsr-3358	360	27	1	1	NUM
fsr-3358	360	28	.	.	PUNCT
fsr-3358	361	1	this	this	PRON
fsr-3358	361	2	prevents	prevent	VERB
fsr-3358	361	3	features	feature	NOUN
fsr-3358	361	4	with	with	ADP
fsr-3358	361	5	larger	large	ADJ
fsr-3358	361	6	scales	scale	NOUN
fsr-3358	361	7	from	from	ADP
fsr-3358	361	8	dominating	dominate	VERB
fsr-3358	361	9	the	the	DET
fsr-3358	361	10	calculation	calculation	NOUN
fsr-3358	361	11	of	of	ADP
fsr-3358	361	12	distances	distance	NOUN
fsr-3358	361	13	.	.	PUNCT
fsr-3358	362	1	when	when	SCONJ
fsr-3358	362	2	applying	apply	VERB
fsr-3358	362	3	min	min	NOUN
fsr-3358	362	4	-	-	ADJ
fsr-3358	362	5	max	max	ADJ
fsr-3358	362	6	scaling	scaling	NOUN
fsr-3358	362	7	to	to	ADP
fsr-3358	362	8	portfolio	portfolio	NOUN
fsr-3358	362	9	weekly	weekly	ADJ
fsr-3358	362	10	market	market	NOUN
fsr-3358	362	11	values	value	NOUN
fsr-3358	362	12	,	,	PUNCT
fsr-3358	362	13	it	it	PRON
fsr-3358	362	14	's	be	AUX
fsr-3358	362	15	important	important	ADJ
fsr-3358	362	16	to	to	PART
fsr-3358	362	17	consider	consider	VERB
fsr-3358	362	18	the	the	DET
fsr-3358	362	19	structure	structure	NOUN
fsr-3358	362	20	of	of	ADP
fsr-3358	362	21	the	the	DET
fsr-3358	362	22	input	input	NOUN
fsr-3358	362	23	.	.	PUNCT
fsr-3358	363	1	in	in	ADP
fsr-3358	363	2	our	our	PRON
fsr-3358	363	3	case	case	NOUN
fsr-3358	363	4	,	,	PUNCT
fsr-3358	363	5	each	each	DET
fsr-3358	363	6	time	time	NOUN
fsr-3358	363	7	series	series	PROPN
fsr-3358	363	8	is	be	AUX
fsr-3358	363	9	associated	associate	VERB
fsr-3358	363	10	with	with	ADP
fsr-3358	363	11	a	a	DET
fsr-3358	363	12	unique	unique	ADJ
fsr-3358	363	13	account	account	NOUN
fsr-3358	363	14	i	i	PROPN
fsr-3358	363	15	d	d	PROPN
fsr-3358	363	16	and	and	CCONJ
fsr-3358	363	17	scaling	scaling	NOUN
fsr-3358	363	18	must	must	AUX
fsr-3358	363	19	be	be	AUX
fsr-3358	363	20	performed	perform	VERB
fsr-3358	363	21	on	on	ADP
fsr-3358	363	22	an	an	DET
fsr-3358	363	23	account	account	NOUN
fsr-3358	363	24	-	-	PUNCT
fsr-3358	363	25	byaccount	byaccount	NOUN
fsr-3358	363	26	basis	basis	NOUN
fsr-3358	363	27	.	.	PUNCT
fsr-3358	364	1	suppose	suppose	VERB
fsr-3358	364	2	we	we	PRON
fsr-3358	364	3	have	have	VERB
fsr-3358	364	4	a	a	DET
fsr-3358	364	5	time	time	NOUN
fsr-3358	364	6	series	series	NOUN
fsr-3358	364	7	associated	associate	VERB
fsr-3358	364	8	with	with	ADP
fsr-3358	364	9	a	a	DET
fsr-3358	364	10	particular	particular	ADJ
fsr-3358	364	11	account	account	NOUN
fsr-3358	364	12	i	i	PROPN
fsr-3358	364	13	d	d	PROPN
fsr-3358	364	14	,	,	PUNCT
fsr-3358	364	15	x	x	PUNCT
fsr-3358	365	1	=	=	PUNCT
fsr-3358	365	2	 	 	SPACE
fsr-3358	366	1	[	[	X
fsr-3358	366	2	x1	x1	PROPN
fsr-3358	366	3	,	,	PUNCT
fsr-3358	366	4	 	 	SPACE
fsr-3358	366	5	x2	x2	PROPN
fsr-3358	366	6	,	,	PUNCT
fsr-3358	366	7	  	  	SPACE
fsr-3358	366	8	…	…	PUNCT
fsr-3358	366	9	,	,	PUNCT
fsr-3358	366	10	 	 	SPACE
fsr-3358	366	11	xn	xn	X
fsr-3358	366	12	]	]	X
fsr-3358	366	13	.	.	PUNCT
fsr-3358	367	1	the	the	DET
fsr-3358	367	2	min	min	PROPN
fsr-3358	367	3	-	-	ADJ
fsr-3358	367	4	max	max	PROPN
fsr-3358	367	5	scaler	scaler	PROPN
fsr-3358	367	6	operation	operation	NOUN
fsr-3358	367	7	for	for	ADP
fsr-3358	367	8	each	each	DET
fsr-3358	367	9	account	account	NOUN
fsr-3358	367	10	i	i	PRON
fsr-3358	367	11	d	d	PROPN
fsr-3358	367	12	can	can	AUX
fsr-3358	367	13	be	be	AUX
fsr-3358	367	14	expressed	express	VERB
fsr-3358	367	15	as	as	SCONJ
fsr-3358	367	16	follows	follow	VERB
fsr-3358	367	17	:	:	PUNCT
fsr-3358	367	18	xscaled	xscale	VERB
fsr-3358	367	19	  	  	SPACE
fsr-3358	367	20	=	=	SYM
fsr-3358	367	21	  	  	SPACE
fsr-3358	367	22	x	x	SYM
fsr-3358	367	23	−	−	PROPN
fsr-3358	367	24	xmin	xmin	PROPN
fsr-3358	367	25	xmax	xmax	PROPN
fsr-3358	367	26	  	  	SPACE
fsr-3358	367	27	−	−	PROPN
fsr-3358	367	28	 	 	SPACE
fsr-3358	367	29	xmin	xmin	NOUN
fsr-3358	367	30	where	where	SCONJ
fsr-3358	367	31	xmin	xmin	PROPN
fsr-3358	367	32	and	and	CCONJ
fsr-3358	367	33	xmax	xmax	PROPN
fsr-3358	367	34	are	be	AUX
fsr-3358	367	35	the	the	DET
fsr-3358	367	36	minimum	minimum	ADJ
fsr-3358	367	37	and	and	CCONJ
fsr-3358	367	38	maximum	maximum	ADJ
fsr-3358	367	39	values	value	NOUN
fsr-3358	367	40	of	of	ADP
fsr-3358	367	41	the	the	DET
fsr-3358	367	42	time	time	NOUN
fsr-3358	367	43	series	series	PROPN
fsr-3358	367	44	x	x	PROPN
fsr-3358	367	45	associated	associate	VERB
fsr-3358	367	46	financial	financial	ADJ
fsr-3358	367	47	services	service	NOUN
fsr-3358	367	48	review	review	NOUN
fsr-3358	367	49	,	,	PUNCT
fsr-3358	367	50	32(2	32(2	NUM
fsr-3358	367	51	)	)	PUNCT
fsr-3358	367	52	20	20	NUM
fsr-3358	367	53	with	with	ADP
fsr-3358	367	54	that	that	DET
fsr-3358	367	55	account	account	NOUN
fsr-3358	368	1	i	i	PRON
fsr-3358	368	2	d.	d.	PROPN
fsr-3358	368	3	this	this	PRON
fsr-3358	368	4	scales	scale	VERB
fsr-3358	368	5	the	the	DET
fsr-3358	368	6	time	time	NOUN
fsr-3358	368	7	series	series	PROPN
fsr-3358	368	8	xscaled	xscale	VERB
fsr-3358	368	9	such	such	ADJ
fsr-3358	368	10	that	that	SCONJ
fsr-3358	368	11	all	all	DET
fsr-3358	368	12	values	value	NOUN
fsr-3358	368	13	lie	lie	VERB
fsr-3358	368	14	between	between	ADP
fsr-3358	368	15	0	0	NUM
fsr-3358	368	16	and	and	CCONJ
fsr-3358	368	17	1	1	NUM
fsr-3358	368	18	.	.	PUNCT
fsr-3358	369	1	this	this	DET
fsr-3358	369	2	transformation	transformation	NOUN
fsr-3358	369	3	ensures	ensure	VERB
fsr-3358	369	4	that	that	SCONJ
fsr-3358	369	5	we	we	PRON
fsr-3358	369	6	're	be	AUX
fsr-3358	369	7	comparing	compare	VERB
fsr-3358	369	8	the	the	DET
fsr-3358	369	9	shape	shape	NOUN
fsr-3358	369	10	of	of	ADP
fsr-3358	369	11	the	the	DET
fsr-3358	369	12	time	time	NOUN
fsr-3358	369	13	series	series	NOUN
fsr-3358	369	14	,	,	PUNCT
fsr-3358	369	15	rather	rather	ADV
fsr-3358	369	16	than	than	ADP
fsr-3358	369	17	being	be	AUX
fsr-3358	369	18	influenced	influence	VERB
fsr-3358	369	19	by	by	ADP
fsr-3358	369	20	their	their	PRON
fsr-3358	369	21	magnitude	magnitude	NOUN
fsr-3358	369	22	when	when	SCONJ
fsr-3358	369	23	performing	perform	VERB
fsr-3358	369	24	the	the	DET
fsr-3358	369	25	subsequent	subsequent	ADJ
fsr-3358	369	26	clustering	clustering	NOUN
fsr-3358	369	27	with	with	ADP
fsr-3358	369	28	dtw	dtw	PROPN
fsr-3358	369	29	and	and	CCONJ
fsr-3358	369	30	kmeans	kmean	NOUN
fsr-3358	369	31	.	.	PUNCT
fsr-3358	370	1	dynamic	dynamic	ADJ
fsr-3358	370	2	time	time	NOUN
fsr-3358	370	3	warping	warp	VERB
fsr-3358	370	4	(	(	PUNCT
fsr-3358	370	5	dtw	dtw	PROPN
fsr-3358	370	6	)	)	PUNCT
fsr-3358	370	7	algorithm	algorithm	NOUN
fsr-3358	370	8	the	the	DET
fsr-3358	370	9	dynamic	dynamic	ADJ
fsr-3358	370	10	time	time	NOUN
fsr-3358	370	11	warping	warp	VERB
fsr-3358	370	12	algorithm	algorithm	NOUN
fsr-3358	370	13	is	be	AUX
fsr-3358	370	14	a	a	DET
fsr-3358	370	15	technique	technique	NOUN
fsr-3358	370	16	used	use	VERB
fsr-3358	370	17	to	to	PART
fsr-3358	370	18	measure	measure	VERB
fsr-3358	370	19	similarity	similarity	NOUN
fsr-3358	370	20	between	between	ADP
fsr-3358	370	21	two	two	NUM
fsr-3358	370	22	sequences	sequence	NOUN
fsr-3358	370	23	which	which	PRON
fsr-3358	370	24	may	may	AUX
fsr-3358	370	25	vary	vary	VERB
fsr-3358	370	26	in	in	ADP
fsr-3358	370	27	time	time	NOUN
fsr-3358	370	28	or	or	CCONJ
fsr-3358	370	29	speed	speed	NOUN
fsr-3358	370	30	.	.	PUNCT
fsr-3358	371	1	the	the	DET
fsr-3358	371	2	algorithm	algorithm	NOUN
fsr-3358	371	3	considers	consider	VERB
fsr-3358	371	4	all	all	DET
fsr-3358	371	5	possible	possible	ADJ
fsr-3358	371	6	alignments	alignment	NOUN
fsr-3358	371	7	between	between	ADP
fsr-3358	371	8	the	the	DET
fsr-3358	371	9	sequences	sequence	NOUN
fsr-3358	371	10	and	and	CCONJ
fsr-3358	371	11	identifies	identify	VERB
fsr-3358	371	12	the	the	DET
fsr-3358	371	13	optimal	optimal	ADJ
fsr-3358	371	14	alignment	alignment	NOUN
fsr-3358	371	15	that	that	PRON
fsr-3358	371	16	minimizes	minimize	VERB
fsr-3358	371	17	the	the	DET
fsr-3358	371	18	total	total	ADJ
fsr-3358	371	19	distance	distance	NOUN
fsr-3358	371	20	between	between	ADP
fsr-3358	371	21	them	they	PRON
fsr-3358	371	22	.	.	PUNCT
fsr-3358	372	1	for	for	ADP
fsr-3358	372	2	two	two	NUM
fsr-3358	372	3	time	time	NOUN
fsr-3358	372	4	series	series	NOUN
fsr-3358	372	5	x	x	NOUN
fsr-3358	372	6	  	  	SPACE
fsr-3358	372	7	=	=	VERB
fsr-3358	372	8	 	 	SPACE
fsr-3358	372	9	(	(	PUNCT
fsr-3358	372	10	x1	x1	PROPN
fsr-3358	372	11	,	,	PUNCT
fsr-3358	372	12	 	 	SPACE
fsr-3358	372	13	x2	x2	ADJ
fsr-3358	372	14	,	,	PUNCT
fsr-3358	372	15	  	  	SPACE
fsr-3358	372	16	…	…	PUNCT
fsr-3358	372	17	,	,	PUNCT
fsr-3358	372	18	 	 	SPACE
fsr-3358	372	19	xn	xn	X
fsr-3358	372	20	)	)	PUNCT
fsr-3358	372	21	and	and	CCONJ
fsr-3358	372	22	y	y	PROPN
fsr-3358	372	23	  	  	SPACE
fsr-3358	372	24	=	=	VERB
fsr-3358	372	25	 	 	SPACE
fsr-3358	372	26	(	(	PUNCT
fsr-3358	372	27	y1	y1	INTJ
fsr-3358	372	28	,	,	PUNCT
fsr-3358	372	29	 	 	SPACE
fsr-3358	372	30	y2	y2	PROPN
fsr-3358	372	31	,	,	PUNCT
fsr-3358	372	32	  	  	SPACE
fsr-3358	372	33	…	…	PUNCT
fsr-3358	372	34	,	,	PUNCT
fsr-3358	372	35	 	 	SPACE
fsr-3358	372	36	ym	ym	PROPN
fsr-3358	372	37	)	)	PUNCT
fsr-3358	372	38	,	,	PUNCT
fsr-3358	372	39	which	which	PRON
fsr-3358	372	40	are	be	AUX
fsr-3358	372	41	represented	represent	VERB
fsr-3358	372	42	as	as	ADP
fsr-3358	372	43	arrays	array	NOUN
fsr-3358	372	44	of	of	ADP
fsr-3358	372	45	respective	respective	ADJ
fsr-3358	372	46	shapes	shape	NOUN
fsr-3358	372	47	(	(	PUNCT
fsr-3358	372	48	n	n	CCONJ
fsr-3358	372	49	,	,	PUNCT
fsr-3358	372	50	1	1	NUM
fsr-3358	372	51	)	)	PUNCT
fsr-3358	372	52	and	and	CCONJ
fsr-3358	372	53	(	(	PUNCT
fsr-3358	372	54	m	m	PROPN
fsr-3358	372	55	,	,	PUNCT
fsr-3358	372	56	1	1	NUM
fsr-3358	372	57	)	)	PUNCT
fsr-3358	372	58	,	,	PUNCT
fsr-3358	372	59	the	the	DET
fsr-3358	372	60	steps	step	NOUN
fsr-3358	372	61	involved	involve	VERB
fsr-3358	372	62	in	in	ADP
fsr-3358	372	63	the	the	DET
fsr-3358	372	64	dtw	dtw	PROPN
fsr-3358	372	65	algorithm	algorithm	NOUN
fsr-3358	372	66	are	be	AUX
fsr-3358	372	67	as	as	SCONJ
fsr-3358	372	68	follows	follow	VERB
fsr-3358	372	69	:	:	PUNCT
fsr-3358	372	70	1	1	X
fsr-3358	372	71	.	.	X
fsr-3358	372	72	initialization	initialization	NOUN
fsr-3358	372	73	:	:	PUNCT
fsr-3358	372	74	create	create	VERB
fsr-3358	372	75	an	an	DET
fsr-3358	372	76	n	n	NOUN
fsr-3358	372	77	-	-	PUNCT
fsr-3358	372	78	by	by	ADP
fsr-3358	372	79	-	-	PUNCT
fsr-3358	372	80	m	m	NOUN
fsr-3358	372	81	matrix	matrix	NOUN
fsr-3358	372	82	where	where	SCONJ
fsr-3358	372	83	the	the	DET
fsr-3358	372	84	(	(	PUNCT
fsr-3358	372	85	i	i	NOUN
fsr-3358	372	86	,	,	PUNCT
fsr-3358	372	87	j	j	PROPN
fsr-3358	372	88	)	)	PUNCT
fsr-3358	372	89	-th	-th	NOUN
fsr-3358	372	90	element	element	NOUN
fsr-3358	372	91	of	of	ADP
fsr-3358	372	92	the	the	DET
fsr-3358	372	93	matrix	matrix	NOUN
fsr-3358	372	94	contains	contain	VERB
fsr-3358	372	95	the	the	DET
fsr-3358	372	96	distance	distance	NOUN
fsr-3358	372	97	d(xi	d(xi	PROPN
fsr-3358	372	98	,	,	PUNCT
fsr-3358	372	99	yj	yj	PROPN
fsr-3358	372	100	)	)	PUNCT
fsr-3358	372	101	between	between	ADP
fsr-3358	372	102	the	the	DET
fsr-3358	372	103	points	point	NOUN
fsr-3358	372	104	xi	xi	PROPN
fsr-3358	372	105	and	and	CCONJ
fsr-3358	372	106	yj	yj	PROPN
fsr-3358	372	107	.	.	PUNCT
fsr-3358	373	1	the	the	DET
fsr-3358	373	2	distance	distance	NOUN
fsr-3358	373	3	can	can	AUX
fsr-3358	373	4	be	be	AUX
fsr-3358	373	5	computed	compute	VERB
fsr-3358	373	6	using	use	VERB
fsr-3358	373	7	a	a	DET
fsr-3358	373	8	selected	select	VERB
fsr-3358	373	9	distance	distance	NOUN
fsr-3358	373	10	metric	metric	NOUN
fsr-3358	373	11	,	,	PUNCT
fsr-3358	373	12	commonly	commonly	ADV
fsr-3358	373	13	the	the	DET
fsr-3358	373	14	euclidean	euclidean	ADJ
fsr-3358	373	15	distance	distance	NOUN
fsr-3358	373	16	.	.	PUNCT
fsr-3358	374	1	the	the	DET
fsr-3358	374	2	calculation	calculation	NOUN
fsr-3358	374	3	formula	formula	NOUN
fsr-3358	374	4	for	for	ADP
fsr-3358	374	5	euclidean	euclidean	ADJ
fsr-3358	374	6	distance	distance	NOUN
fsr-3358	374	7	is	be	AUX
fsr-3358	374	8	:	:	PUNCT
fsr-3358	374	9	d(xi	d(xi	PROPN
fsr-3358	374	10	,	,	PUNCT
fsr-3358	374	11	 	 	SPACE
fsr-3358	374	12	yj	yj	PROPN
fsr-3358	374	13	)	)	PUNCT
fsr-3358	374	14	=	=	PUNCT
fsr-3358	374	15	√	√	NUM
fsr-3358	374	16	 	 	SPACE
fsr-3358	374	17	∑(xi	∑(xi	NOUN
fsr-3358	374	18	−	−	PROPN
fsr-3358	374	19	yj	yj	PROPN
fsr-3358	374	20	)	)	PUNCT
fsr-3358	374	21	2	2	NUM
fsr-3358	374	22	    	    	SPACE
fsr-3358	374	23	.	.	PUNCT
fsr-3358	375	1	create	create	VERB
fsr-3358	375	2	a	a	DET
fsr-3358	375	3	second	second	ADJ
fsr-3358	375	4	n	n	CCONJ
fsr-3358	375	5	-	-	PUNCT
fsr-3358	375	6	by	by	ADP
fsr-3358	375	7	-	-	PUNCT
fsr-3358	375	8	m	m	NOUN
fsr-3358	375	9	matrix	matrix	NOUN
fsr-3358	375	10	d	d	NOUN
fsr-3358	375	11	for	for	ADP
fsr-3358	375	12	storing	store	VERB
fsr-3358	375	13	the	the	DET
fsr-3358	375	14	accumulated	accumulate	VERB
fsr-3358	375	15	distances	distance	NOUN
fsr-3358	375	16	,	,	PUNCT
fsr-3358	375	17	where	where	SCONJ
fsr-3358	375	18	d(i	d(i	PROPN
fsr-3358	375	19	,	,	PUNCT
fsr-3358	375	20	 	 	SPACE
fsr-3358	375	21	j	j	NOUN
fsr-3358	375	22	)	)	PUNCT
fsr-3358	375	23	represents	represent	VERB
fsr-3358	375	24	the	the	DET
fsr-3358	375	25	sum	sum	NOUN
fsr-3358	375	26	of	of	ADP
fsr-3358	375	27	d(xi	d(xi	PROPN
fsr-3358	375	28	,	,	PUNCT
fsr-3358	375	29	 	 	SPACE
fsr-3358	375	30	yj	yj	PROPN
fsr-3358	375	31	)	)	PUNCT
fsr-3358	375	32	and	and	CCONJ
fsr-3358	375	33	the	the	DET
fsr-3358	375	34	minimum	minimum	NOUN
fsr-3358	375	35	among	among	ADP
fsr-3358	375	36	d(i	d(i	PROPN
fsr-3358	375	37	−	−	NOUN
fsr-3358	375	38	1	1	NUM
fsr-3358	375	39	,	,	PUNCT
fsr-3358	375	40	 	 	SPACE
fsr-3358	375	41	j	j	PROPN
fsr-3358	375	42	)	)	PUNCT
fsr-3358	375	43	,	,	PUNCT
fsr-3358	375	44	d(i	d(i	PROPN
fsr-3358	375	45	,	,	PUNCT
fsr-3358	375	46	 	 	SPACE
fsr-3358	375	47	j	j	PROPN
fsr-3358	375	48	−	−	NOUN
fsr-3358	375	49	1	1	NUM
fsr-3358	375	50	)	)	PUNCT
fsr-3358	375	51	,	,	PUNCT
fsr-3358	375	52	 	 	SPACE
fsr-3358	375	53	d(i	d(i	PROPN
fsr-3358	375	54	−	−	NOUN
fsr-3358	375	55	1	1	NUM
fsr-3358	375	56	,	,	PUNCT
fsr-3358	375	57	 	 	SPACE
fsr-3358	375	58	j	j	NOUN
fsr-3358	375	59	−	−	NOUN
fsr-3358	375	60	1	1	NUM
fsr-3358	375	61	)	)	PUNCT
fsr-3358	375	62	.	.	PUNCT
fsr-3358	376	1	2	2	X
fsr-3358	376	2	.	.	X
fsr-3358	376	3	matrix	matrix	NOUN
fsr-3358	376	4	filling	filling	NOUN
fsr-3358	376	5	:	:	PUNCT
fsr-3358	376	6	iterate	iterate	NOUN
fsr-3358	376	7	over	over	ADP
fsr-3358	376	8	the	the	DET
fsr-3358	376	9	matrix	matrix	NOUN
fsr-3358	376	10	d	d	NOUN
fsr-3358	376	11	,	,	PUNCT
fsr-3358	376	12	starting	start	VERB
fsr-3358	376	13	from	from	ADP
fsr-3358	376	14	d(1,1	d(1,1	PROPN
fsr-3358	376	15	)	)	PUNCT
fsr-3358	376	16	,	,	PUNCT
fsr-3358	376	17	and	and	CCONJ
fsr-3358	376	18	compute	compute	VERB
fsr-3358	376	19	the	the	DET
fsr-3358	376	20	accumulated	accumulate	VERB
fsr-3358	376	21	distance	distance	NOUN
fsr-3358	376	22	for	for	ADP
fsr-3358	376	23	each	each	DET
fsr-3358	376	24	cell	cell	NOUN
fsr-3358	376	25	using	use	VERB
fsr-3358	376	26	:	:	PUNCT
fsr-3358	376	27	d(i	d(i	PROPN
fsr-3358	376	28	,	,	PUNCT
fsr-3358	376	29	 	 	SPACE
fsr-3358	376	30	j	j	NOUN
fsr-3358	376	31	)	)	PUNCT
fsr-3358	376	32	  	  	SPACE
fsr-3358	376	33	=	=	SYM
fsr-3358	376	34	 	 	SPACE
fsr-3358	376	35	d(xi	d(xi	PROPN
fsr-3358	376	36	,	,	PUNCT
fsr-3358	376	37	 	 	SPACE
fsr-3358	376	38	yj	yj	PROPN
fsr-3358	376	39	)	)	PUNCT
fsr-3358	376	40	  	  	SPACE
fsr-3358	377	1	+	+	PROPN
fsr-3358	377	2	min[d(i	min[d(i	NOUN
fsr-3358	377	3	−	−	NOUN
fsr-3358	377	4	1	1	NUM
fsr-3358	377	5	,	,	PUNCT
fsr-3358	377	6	 	 	SPACE
fsr-3358	377	7	j	j	PROPN
fsr-3358	377	8	)	)	PUNCT
fsr-3358	377	9	,	,	PUNCT
fsr-3358	377	10	 	 	SPACE
fsr-3358	377	11	d(i	d(i	PROPN
fsr-3358	377	12	,	,	PUNCT
fsr-3358	377	13	 	 	SPACE
fsr-3358	377	14	j	j	PROPN
fsr-3358	378	1	−	−	NOUN
fsr-3358	378	2	1	1	NUM
fsr-3358	378	3	)	)	PUNCT
fsr-3358	378	4	,	,	PUNCT
fsr-3358	378	5	 	 	SPACE
fsr-3358	378	6	d(i	d(i	PROPN
fsr-3358	378	7	−	−	NOUN
fsr-3358	378	8	1	1	NUM
fsr-3358	378	9	,	,	PUNCT
fsr-3358	378	10	 	 	SPACE
fsr-3358	378	11	j	j	NOUN
fsr-3358	378	12	−	−	NOUN
fsr-3358	378	13	1	1	NUM
fsr-3358	378	14	)	)	PUNCT
fsr-3358	378	15	]	]	PUNCT
fsr-3358	379	1	according	accord	VERB
fsr-3358	379	2	to	to	ADP
fsr-3358	379	3	this	this	DET
fsr-3358	379	4	equation	equation	NOUN
fsr-3358	379	5	,	,	PUNCT
fsr-3358	379	6	the	the	DET
fsr-3358	379	7	accumulated	accumulate	VERB
fsr-3358	379	8	distance	distance	NOUN
fsr-3358	379	9	is	be	AUX
fsr-3358	379	10	the	the	DET
fsr-3358	379	11	sum	sum	NOUN
fsr-3358	379	12	of	of	ADP
fsr-3358	379	13	the	the	DET
fsr-3358	379	14	distance	distance	NOUN
fsr-3358	379	15	at	at	ADP
fsr-3358	379	16	that	that	DET
fsr-3358	379	17	point	point	NOUN
fsr-3358	379	18	and	and	CCONJ
fsr-3358	379	19	the	the	DET
fsr-3358	379	20	minimum	minimum	NOUN
fsr-3358	379	21	accumulated	accumulate	VERB
fsr-3358	379	22	distance	distance	NOUN
fsr-3358	379	23	among	among	ADP
fsr-3358	379	24	its	its	PRON
fsr-3358	379	25	neighboring	neighboring	NOUN
fsr-3358	379	26	points	point	NOUN
fsr-3358	379	27	.	.	PUNCT
fsr-3358	380	1	3	3	X
fsr-3358	380	2	.	.	NOUN
fsr-3358	380	3	path	path	NOUN
fsr-3358	380	4	identification	identification	NOUN
fsr-3358	380	5	:	:	PUNCT
fsr-3358	380	6	starting	start	VERB
fsr-3358	380	7	from	from	ADP
fsr-3358	380	8	d(n	d(n	PROPN
fsr-3358	380	9	,	,	PUNCT
fsr-3358	380	10	m	m	NOUN
fsr-3358	380	11	)	)	PUNCT
fsr-3358	380	12	,	,	PUNCT
fsr-3358	380	13	move	move	VERB
fsr-3358	380	14	backwards	backwards	ADV
fsr-3358	380	15	to	to	ADP
fsr-3358	380	16	d(1,1	d(1,1	PRON
fsr-3358	380	17	)	)	PUNCT
fsr-3358	380	18	by	by	ADP
fsr-3358	380	19	choosing	choose	VERB
fsr-3358	380	20	at	at	ADP
fsr-3358	380	21	each	each	DET
fsr-3358	380	22	step	step	NOUN
fsr-3358	380	23	the	the	DET
fsr-3358	380	24	cell	cell	NOUN
fsr-3358	380	25	(	(	PUNCT
fsr-3358	380	26	i	i	PRON
fsr-3358	380	27	−	−	PROPN
fsr-3358	380	28	1	1	NUM
fsr-3358	380	29	,	,	PUNCT
fsr-3358	380	30	 	 	SPACE
fsr-3358	380	31	j	j	NOUN
fsr-3358	380	32	)	)	PUNCT
fsr-3358	380	33	,	,	PUNCT
fsr-3358	380	34	(	(	PUNCT
fsr-3358	380	35	i	i	PRON
fsr-3358	380	36	,	,	PUNCT
fsr-3358	380	37	 	 	SPACE
fsr-3358	380	38	j	j	PROPN
fsr-3358	380	39	−	−	PROPN
fsr-3358	380	40	1	1	NUM
fsr-3358	380	41	)	)	PUNCT
fsr-3358	380	42	,	,	PUNCT
fsr-3358	380	43	or	or	CCONJ
fsr-3358	380	44	(	(	PUNCT
fsr-3358	380	45	i	i	PRON
fsr-3358	380	46	−	−	PROPN
fsr-3358	380	47	1	1	NUM
fsr-3358	380	48	,	,	PUNCT
fsr-3358	380	49	 	 	SPACE
fsr-3358	380	50	j	j	NOUN
fsr-3358	380	51	−	−	PROPN
fsr-3358	380	52	1	1	NUM
fsr-3358	380	53	)	)	PUNCT
fsr-3358	380	54	that	that	PRON
fsr-3358	380	55	has	have	VERB
fsr-3358	380	56	the	the	DET
fsr-3358	380	57	smallest	small	ADJ
fsr-3358	380	58	accumulated	accumulate	VERB
fsr-3358	380	59	distance	distance	NOUN
fsr-3358	380	60	.	.	PUNCT
fsr-3358	381	1	the	the	DET
fsr-3358	381	2	path	path	NOUN
fsr-3358	381	3	that	that	PRON
fsr-3358	381	4	is	be	AUX
fsr-3358	381	5	formed	form	VERB
fsr-3358	381	6	,	,	PUNCT
fsr-3358	381	7	known	know	VERB
fsr-3358	381	8	as	as	ADP
fsr-3358	381	9	the	the	DET
fsr-3358	381	10	warping	warping	NOUN
fsr-3358	381	11	path	path	NOUN
fsr-3358	381	12	,	,	PUNCT
fsr-3358	381	13	represents	represent	VERB
fsr-3358	381	14	the	the	DET
fsr-3358	381	15	optimal	optimal	ADJ
fsr-3358	381	16	alignment	alignment	NOUN
fsr-3358	381	17	between	between	ADP
fsr-3358	381	18	the	the	DET
fsr-3358	381	19	two	two	NUM
fsr-3358	381	20	-	-	PUNCT
fsr-3358	381	21	time	time	NOUN
fsr-3358	381	22	series	series	NOUN
fsr-3358	381	23	.	.	PUNCT
fsr-3358	382	1	the	the	DET
fsr-3358	382	2	dtw	dtw	PROPN
fsr-3358	382	3	distance	distance	NOUN
fsr-3358	382	4	between	between	ADP
fsr-3358	382	5	the	the	DET
fsr-3358	382	6	two	two	NUM
fsr-3358	382	7	time	time	NOUN
fsr-3358	382	8	-	-	PUNCT
fsr-3358	382	9	series	series	NOUN
fsr-3358	382	10	is	be	AUX
fsr-3358	382	11	then	then	ADV
fsr-3358	382	12	given	give	VERB
fsr-3358	382	13	by	by	ADP
fsr-3358	382	14	the	the	DET
fsr-3358	382	15	value	value	NOUN
fsr-3358	382	16	at	at	ADP
fsr-3358	382	17	d(n	d(n	PROPN
fsr-3358	382	18	,	,	PUNCT
fsr-3358	382	19	m	m	PROPN
fsr-3358	382	20	)	)	PUNCT
fsr-3358	382	21	,	,	PUNCT
fsr-3358	382	22	which	which	PRON
fsr-3358	382	23	represents	represent	VERB
fsr-3358	382	24	the	the	DET
fsr-3358	382	25	minimum	minimum	ADJ
fsr-3358	382	26	sum	sum	NOUN
fsr-3358	382	27	of	of	ADP
fsr-3358	382	28	distances	distance	NOUN
fsr-3358	382	29	for	for	ADP
fsr-3358	382	30	aligning	align	VERB
fsr-3358	382	31	the	the	DET
fsr-3358	382	32	two	two	NUM
fsr-3358	382	33	sequences	sequence	NOUN
fsr-3358	382	34	.	.	PUNCT
fsr-3358	383	1	the	the	DET
fsr-3358	383	2	whole	whole	ADJ
fsr-3358	383	3	process	process	NOUN
fsr-3358	383	4	considers	consider	VERB
fsr-3358	383	5	the	the	DET
fsr-3358	383	6	temporal	temporal	ADJ
fsr-3358	383	7	dynamics	dynamic	NOUN
fsr-3358	383	8	and	and	CCONJ
fsr-3358	383	9	can	can	AUX
fsr-3358	383	10	provide	provide	VERB
fsr-3358	383	11	a	a	DET
fsr-3358	383	12	more	more	ADV
fsr-3358	383	13	accurate	accurate	ADJ
fsr-3358	383	14	measure	measure	NOUN
fsr-3358	383	15	of	of	ADP
fsr-3358	383	16	similarity	similarity	NOUN
fsr-3358	383	17	between	between	ADP
fsr-3358	383	18	time	time	NOUN
fsr-3358	383	19	series	series	PROPN
fsr-3358	383	20	data	datum	NOUN
fsr-3358	383	21	compared	compare	VERB
fsr-3358	383	22	to	to	ADP
fsr-3358	383	23	traditional	traditional	ADJ
fsr-3358	383	24	euclidean	euclidean	ADJ
fsr-3358	383	25	distance	distance	NOUN
fsr-3358	383	26	,	,	PUNCT
fsr-3358	383	27	especially	especially	ADV
fsr-3358	383	28	when	when	SCONJ
fsr-3358	383	29	dealing	deal	VERB
fsr-3358	383	30	with	with	ADP
fsr-3358	383	31	sequences	sequence	NOUN
fsr-3358	383	32	of	of	ADP
fsr-3358	383	33	different	different	ADJ
fsr-3358	383	34	lengths	length	NOUN
fsr-3358	383	35	or	or	CCONJ
fsr-3358	383	36	speeds	speed	NOUN
fsr-3358	383	37	.	.	PUNCT
fsr-3358	384	1	the	the	DET
fsr-3358	384	2	flexibility	flexibility	NOUN
fsr-3358	384	3	of	of	ADP
fsr-3358	384	4	the	the	DET
fsr-3358	384	5	dtw	dtw	PROPN
fsr-3358	384	6	algorithm	algorithm	NOUN
fsr-3358	384	7	makes	make	VERB
fsr-3358	384	8	it	it	PRON
fsr-3358	384	9	particularly	particularly	ADV
fsr-3358	384	10	suited	suit	VERB
fsr-3358	384	11	for	for	ADP
fsr-3358	384	12	financial	financial	ADJ
fsr-3358	384	13	time	time	NOUN
fsr-3358	384	14	series	series	PROPN
fsr-3358	384	15	analysis	analysis	NOUN
fsr-3358	384	16	,	,	PUNCT
fsr-3358	384	17	where	where	SCONJ
fsr-3358	384	18	data	datum	NOUN
fsr-3358	384	19	can	can	AUX
fsr-3358	384	20	exhibit	exhibit	VERB
fsr-3358	384	21	significant	significant	ADJ
fsr-3358	384	22	temporal	temporal	ADJ
fsr-3358	384	23	variations	variation	NOUN
fsr-3358	384	24	.	.	PUNCT
fsr-3358	385	1	k	k	X
fsr-3358	385	2	-	-	PUNCT
fsr-3358	385	3	means	means	NOUN
fsr-3358	385	4	clustering	cluster	VERB
fsr-3358	385	5	for	for	ADP
fsr-3358	385	6	our	our	PRON
fsr-3358	385	7	research	research	NOUN
fsr-3358	385	8	,	,	PUNCT
fsr-3358	385	9	we	we	PRON
fsr-3358	385	10	used	use	VERB
fsr-3358	385	11	k	k	ADJ
fsr-3358	385	12	-	-	PUNCT
fsr-3358	385	13	means	means	NOUN
fsr-3358	385	14	clustering	clustering	NOUN
fsr-3358	385	15	,	,	PUNCT
fsr-3358	385	16	an	an	DET
fsr-3358	385	17	iterative	iterative	NOUN
fsr-3358	385	18	technique	technique	NOUN
fsr-3358	385	19	widely	widely	ADV
fsr-3358	385	20	used	use	VERB
fsr-3358	385	21	in	in	ADP
fsr-3358	385	22	machine	machine	NOUN
fsr-3358	385	23	learning	learning	NOUN
fsr-3358	385	24	and	and	CCONJ
fsr-3358	385	25	data	datum	NOUN
fsr-3358	385	26	mining	mining	NOUN
fsr-3358	385	27	.	.	PUNCT
fsr-3358	386	1	the	the	DET
fsr-3358	386	2	fundamental	fundamental	ADJ
fsr-3358	386	3	idea	idea	NOUN
fsr-3358	386	4	behind	behind	ADP
fsr-3358	386	5	k	k	NOUN
fsr-3358	386	6	-	-	PUNCT
fsr-3358	386	7	means	means	NOUN
fsr-3358	386	8	clustering	clustering	NOUN
fsr-3358	386	9	is	be	AUX
fsr-3358	386	10	to	to	PART
fsr-3358	386	11	classify	classify	AUX
fsr-3358	386	12	dataset	dataset	VERB
fsr-3358	386	13	into	into	ADP
fsr-3358	386	14	k	k	PROPN
fsr-3358	386	15	different	different	ADJ
fsr-3358	386	16	clusters	cluster	NOUN
fsr-3358	386	17	in	in	ADP
fsr-3358	386	18	such	such	DET
fsr-3358	386	19	a	a	DET
fsr-3358	386	20	manner	manner	NOUN
fsr-3358	386	21	that	that	SCONJ
fsr-3358	386	22	the	the	DET
fsr-3358	386	23	within	within	ADP
fsr-3358	386	24	-	-	PUNCT
fsr-3358	386	25	cluster	cluster	NOUN
fsr-3358	386	26	variations	variation	NOUN
fsr-3358	386	27	are	be	AUX
fsr-3358	386	28	minimized	minimize	VERB
fsr-3358	386	29	.	.	PUNCT
fsr-3358	387	1	the	the	DET
fsr-3358	387	2	iterative	iterative	NOUN
fsr-3358	387	3	process	process	NOUN
fsr-3358	387	4	of	of	ADP
fsr-3358	387	5	the	the	DET
fsr-3358	387	6	k	k	NOUN
fsr-3358	387	7	-	-	PUNCT
fsr-3358	387	8	means	means	NOUN
fsr-3358	387	9	algorithm	algorithm	NOUN
fsr-3358	387	10	involves	involve	VERB
fsr-3358	387	11	partitioning	partition	VERB
fsr-3358	387	12	the	the	DET
fsr-3358	387	13	portfolios	portfolio	NOUN
fsr-3358	387	14	into	into	ADP
fsr-3358	387	15	k	k	PROPN
fsr-3358	387	16	clusters	cluster	NOUN
fsr-3358	387	17	,	,	PUNCT
fsr-3358	387	18	computing	compute	VERB
fsr-3358	387	19	the	the	DET
fsr-3358	387	20	centroid	centroid	NOUN
fsr-3358	387	21	of	of	ADP
fsr-3358	387	22	each	each	DET
fsr-3358	387	23	cluster	cluster	NOUN
fsr-3358	387	24	,	,	PUNCT
fsr-3358	387	25	and	and	CCONJ
fsr-3358	387	26	reassigning	reassign	VERB
fsr-3358	387	27	the	the	DET
fsr-3358	387	28	portfolio	portfolio	NOUN
fsr-3358	387	29	to	to	ADP
fsr-3358	387	30	the	the	DET
fsr-3358	387	31	cluster	cluster	NOUN
fsr-3358	387	32	whose	whose	DET
fsr-3358	387	33	centroid	centroid	NOUN
fsr-3358	387	34	is	be	AUX
fsr-3358	387	35	closest	close	ADJ
fsr-3358	387	36	.	.	PUNCT
fsr-3358	388	1	the	the	DET
fsr-3358	388	2	process	process	NOUN
fsr-3358	388	3	continues	continue	VERB
fsr-3358	388	4	until	until	SCONJ
fsr-3358	388	5	the	the	DET
fsr-3358	388	6	positions	position	NOUN
fsr-3358	388	7	of	of	ADP
fsr-3358	388	8	the	the	DET
fsr-3358	388	9	centroids	centroid	NOUN
fsr-3358	388	10	stabilize	stabilize	VERB
fsr-3358	388	11	,	,	PUNCT
fsr-3358	388	12	indicating	indicate	VERB
fsr-3358	388	13	the	the	DET
fsr-3358	388	14	optimal	optimal	ADJ
fsr-3358	388	15	clustering	clustering	NOUN
fsr-3358	388	16	of	of	ADP
fsr-3358	388	17	the	the	DET
fsr-3358	388	18	data	datum	NOUN
fsr-3358	388	19	.	.	PUNCT
fsr-3358	389	1	since	since	SCONJ
fsr-3358	389	2	the	the	DET
fsr-3358	389	3	nature	nature	NOUN
fsr-3358	389	4	of	of	ADP
fsr-3358	389	5	time	time	NOUN
fsr-3358	389	6	-	-	PUNCT
fsr-3358	389	7	series	series	NOUN
fsr-3358	389	8	data	datum	NOUN
fsr-3358	389	9	and	and	CCONJ
fsr-3358	389	10	the	the	DET
fsr-3358	389	11	flexibility	flexibility	NOUN
fsr-3358	389	12	of	of	ADP
fsr-3358	389	13	dtw	dtw	NOUN
fsr-3358	389	14	in	in	ADP
fsr-3358	389	15	aligning	align	VERB
fsr-3358	389	16	sequences	sequence	NOUN
fsr-3358	389	17	,	,	PUNCT
fsr-3358	389	18	the	the	DET
fsr-3358	389	19	centroid	centroid	NOUN
fsr-3358	389	20	calculation	calculation	NOUN
fsr-3358	389	21	ca	can	AUX
fsr-3358	389	22	n't	not	PART
fsr-3358	389	23	be	be	AUX
fsr-3358	389	24	as	as	ADV
fsr-3358	389	25	straightforward	straightforward	ADJ
fsr-3358	389	26	as	as	ADP
fsr-3358	389	27	simply	simply	ADV
fsr-3358	389	28	taking	take	VERB
fsr-3358	389	29	the	the	DET
fsr-3358	389	30	arithmetic	arithmetic	ADJ
fsr-3358	389	31	mean	mean	NOUN
fsr-3358	389	32	of	of	ADP
fsr-3358	389	33	the	the	DET
fsr-3358	389	34	points	point	NOUN
fsr-3358	389	35	in	in	ADP
fsr-3358	389	36	each	each	DET
fsr-3358	389	37	cluster	cluster	NOUN
fsr-3358	389	38	(	(	PUNCT
fsr-3358	389	39	petitjean	petitjean	NOUN
fsr-3358	389	40	et	et	PROPN
fsr-3358	389	41	al	al	PROPN
fsr-3358	389	42	.	.	PROPN
fsr-3358	389	43	,	,	PUNCT
fsr-3358	389	44	2011	2011	NUM
fsr-3358	389	45	)	)	PUNCT
fsr-3358	389	46	.	.	PUNCT
fsr-3358	390	1	we	we	PRON
fsr-3358	390	2	use	use	VERB
fsr-3358	390	3	a	a	DET
fsr-3358	390	4	variant	variant	NOUN
fsr-3358	390	5	of	of	ADP
fsr-3358	390	6	k	k	NOUN
fsr-3358	390	7	-	-	PUNCT
fsr-3358	390	8	means	means	NOUN
fsr-3358	390	9	known	know	VERB
fsr-3358	390	10	as	as	ADP
fsr-3358	390	11	time	time	NOUN
fsr-3358	390	12	series	series	PROPN
fsr-3358	390	13	kmeans	kmeans	PROPN
fsr-3358	390	14	that	that	PRON
fsr-3358	390	15	utilizes	utilize	VERB
fsr-3358	390	16	the	the	DET
fsr-3358	390	17	dtw	dtw	PROPN
fsr-3358	390	18	distance	distance	NOUN
fsr-3358	390	19	as	as	ADP
fsr-3358	390	20	the	the	DET
fsr-3358	390	21	dissimilarity	dissimilarity	NOUN
fsr-3358	390	22	measure	measure	NOUN
fsr-3358	390	23	.	.	PUNCT
fsr-3358	391	1	in	in	ADP
fsr-3358	391	2	this	this	DET
fsr-3358	391	3	context	context	NOUN
fsr-3358	391	4	,	,	PUNCT
fsr-3358	391	5	the	the	DET
fsr-3358	391	6	'	'	PUNCT
fsr-3358	391	7	centroid	centroid	NOUN
fsr-3358	391	8	'	'	PUNCT
fsr-3358	391	9	of	of	ADP
fsr-3358	391	10	a	a	DET
fsr-3358	391	11	cluster	cluster	NOUN
fsr-3358	391	12	is	be	AUX
fsr-3358	391	13	defined	define	VERB
fsr-3358	391	14	using	use	VERB
fsr-3358	391	15	the	the	DET
fsr-3358	391	16	dtw	dtw	NOUN
fsr-3358	391	17	barycenter	barycenter	NOUN
fsr-3358	391	18	averaging	averaging	NOUN
fsr-3358	391	19	(	(	PUNCT
fsr-3358	391	20	dba	dba	ADJ
fsr-3358	391	21	)	)	PUNCT
fsr-3358	391	22	method	method	NOUN
fsr-3358	391	23	,	,	PUNCT
fsr-3358	391	24	which	which	PRON
fsr-3358	391	25	provides	provide	VERB
fsr-3358	391	26	an	an	DET
fsr-3358	391	27	averaged	average	VERB
fsr-3358	391	28	sequence	sequence	NOUN
fsr-3358	391	29	that	that	PRON
fsr-3358	391	30	minimizes	minimize	VERB
fsr-3358	391	31	the	the	DET
fsr-3358	391	32	distances	distance	NOUN
fsr-3358	391	33	to	to	ADP
fsr-3358	391	34	the	the	DET
fsr-3358	391	35	sequences	sequence	NOUN
fsr-3358	391	36	of	of	ADP
fsr-3358	391	37	the	the	DET
fsr-3358	391	38	cluster	cluster	NOUN
fsr-3358	391	39	.	.	PUNCT
fsr-3358	392	1	in	in	ADP
fsr-3358	392	2	each	each	DET
fsr-3358	392	3	iteration	iteration	NOUN
fsr-3358	392	4	,	,	PUNCT
fsr-3358	392	5	dba	dba	NOUN
fsr-3358	392	6	performs	perform	VERB
fsr-3358	392	7	three	three	NUM
fsr-3358	392	8	main	main	ADJ
fsr-3358	392	9	steps	step	NOUN
fsr-3358	392	10	:	:	PUNCT
fsr-3358	392	11	grace	grace	NOUN
fsr-3358	392	12	et	et	PROPN
fsr-3358	392	13	al	al	PROPN
fsr-3358	392	14	.	.	PROPN
fsr-3358	392	15	21	21	NUM
fsr-3358	392	16	1	1	NUM
fsr-3358	392	17	.	.	PUNCT
fsr-3358	392	18	computing	compute	VERB
fsr-3358	392	19	dtw	dtw	PROPN
fsr-3358	392	20	alignments	alignment	NOUN
fsr-3358	392	21	:	:	PUNCT
fsr-3358	392	22	in	in	ADP
fsr-3358	392	23	this	this	DET
fsr-3358	392	24	step	step	NOUN
fsr-3358	392	25	,	,	PUNCT
fsr-3358	392	26	we	we	PRON
fsr-3358	392	27	calculate	calculate	VERB
fsr-3358	392	28	the	the	DET
fsr-3358	392	29	dtw	dtw	NOUN
fsr-3358	392	30	between	between	ADP
fsr-3358	392	31	the	the	DET
fsr-3358	392	32	temporary	temporary	ADJ
fsr-3358	392	33	average	average	ADJ
fsr-3358	392	34	sequence	sequence	NOUN
fsr-3358	392	35	(	(	PUNCT
fsr-3358	392	36	also	also	ADV
fsr-3358	392	37	known	know	VERB
fsr-3358	392	38	as	as	ADP
fsr-3358	392	39	the	the	DET
fsr-3358	392	40	centroid	centroid	NOUN
fsr-3358	392	41	)	)	PUNCT
fsr-3358	392	42	and	and	CCONJ
fsr-3358	392	43	every	every	DET
fsr-3358	392	44	individual	individual	ADJ
fsr-3358	392	45	sequence	sequence	NOUN
fsr-3358	392	46	within	within	ADP
fsr-3358	392	47	our	our	PRON
fsr-3358	392	48	set	set	NOUN
fsr-3358	392	49	of	of	ADP
fsr-3358	392	50	sequences	sequence	NOUN
fsr-3358	392	51	,	,	PUNCT
fsr-3358	392	52	denoted	denote	VERB
fsr-3358	392	53	as	as	ADP
fsr-3358	392	54	s	s	NOUN
fsr-3358	392	55	  	  	SPACE
fsr-3358	392	56	=	=	VERB
fsr-3358	392	57	 	 	SPACE
fsr-3358	392	58	{	{	PUNCT
fsr-3358	392	59	s1	s1	NOUN
fsr-3358	392	60	,	,	PUNCT
fsr-3358	392	61	…	…	PUNCT
fsr-3358	392	62	,	,	PUNCT
fsr-3358	392	63	sn	sn	PROPN
fsr-3358	392	64	}	}	PUNCT
fsr-3358	392	65	.	.	PUNCT
fsr-3358	393	1	this	this	DET
fsr-3358	393	2	dtw	dtw	PROPN
fsr-3358	393	3	computation	computation	NOUN
fsr-3358	393	4	allows	allow	VERB
fsr-3358	393	5	us	we	PRON
fsr-3358	393	6	to	to	PART
fsr-3358	393	7	establish	establish	VERB
fsr-3358	393	8	links	link	NOUN
fsr-3358	393	9	between	between	ADP
fsr-3358	393	10	the	the	DET
fsr-3358	393	11	coordinates	coordinate	NOUN
fsr-3358	393	12	of	of	ADP
fsr-3358	393	13	the	the	DET
fsr-3358	393	14	average	average	ADJ
fsr-3358	393	15	sequence	sequence	NOUN
fsr-3358	393	16	and	and	CCONJ
fsr-3358	393	17	the	the	DET
fsr-3358	393	18	coordinates	coordinate	NOUN
fsr-3358	393	19	of	of	ADP
fsr-3358	393	20	the	the	DET
fsr-3358	393	21	individual	individual	ADJ
fsr-3358	393	22	sequences	sequence	NOUN
fsr-3358	393	23	.	.	PUNCT
fsr-3358	394	1	2	2	X
fsr-3358	394	2	.	.	X
fsr-3358	394	3	updating	update	VERB
fsr-3358	394	4	centroid	centroid	NOUN
fsr-3358	394	5	coordinates	coordinate	NOUN
fsr-3358	394	6	:	:	PUNCT
fsr-3358	394	7	each	each	DET
fsr-3358	394	8	coordinate	coordinate	NOUN
fsr-3358	394	9	of	of	ADP
fsr-3358	394	10	the	the	DET
fsr-3358	394	11	average	average	ADJ
fsr-3358	394	12	sequence	sequence	NOUN
fsr-3358	394	13	is	be	AUX
fsr-3358	394	14	updated	update	VERB
fsr-3358	394	15	as	as	ADP
fsr-3358	394	16	the	the	DET
fsr-3358	394	17	barycenter	barycenter	NOUN
fsr-3358	394	18	(	(	PUNCT
fsr-3358	394	19	or	or	CCONJ
fsr-3358	394	20	geometric	geometric	ADJ
fsr-3358	394	21	center	center	NOUN
fsr-3358	394	22	)	)	PUNCT
fsr-3358	394	23	of	of	ADP
fsr-3358	394	24	coordinates	coordinate	NOUN
fsr-3358	394	25	linked	link	VERB
fsr-3358	394	26	to	to	ADP
fsr-3358	394	27	it	it	PRON
fsr-3358	394	28	in	in	ADP
fsr-3358	394	29	the	the	DET
fsr-3358	394	30	previous	previous	ADJ
fsr-3358	394	31	step	step	NOUN
fsr-3358	394	32	.	.	PUNCT
fsr-3358	395	1	the	the	DET
fsr-3358	395	2	average	average	ADJ
fsr-3358	395	3	sequence	sequence	NOUN
fsr-3358	395	4	at	at	ADP
fsr-3358	395	5	iteration	iteration	NOUN
fsr-3358	395	6	i	i	PRON
fsr-3358	395	7	is	be	AUX
fsr-3358	395	8	represented	represent	VERB
fsr-3358	395	9	as	as	ADP
fsr-3358	395	10	c	c	NOUN
fsr-3358	395	11	  	  	SPACE
fsr-3358	395	12	=	=	SYM
fsr-3358	395	13	 	 	SPACE
fsr-3358	395	14	c1	c1	PROPN
fsr-3358	395	15	,	,	PUNCT
fsr-3358	395	16	…	…	PUNCT
fsr-3358	395	17	,	,	PUNCT
fsr-3358	395	18	ct	ct	INTJ
fsr-3358	395	19	,	,	PUNCT
fsr-3358	395	20	and	and	CCONJ
fsr-3358	395	21	we	we	PRON
fsr-3358	395	22	aim	aim	VERB
fsr-3358	395	23	to	to	PART
fsr-3358	395	24	update	update	VERB
fsr-3358	395	25	its	its	PRON
fsr-3358	395	26	coordinates	coordinate	NOUN
fsr-3358	395	27	for	for	ADP
fsr-3358	395	28	the	the	DET
fsr-3358	395	29	next	next	ADJ
fsr-3358	395	30	iteration	iteration	NOUN
fsr-3358	395	31	(	(	PUNCT
fsr-3358	395	32	i+1	i+1	NUM
fsr-3358	395	33	)	)	PUNCT
fsr-3358	395	34	,	,	PUNCT
fsr-3358	395	35	represented	represent	VERB
fsr-3358	395	36	as	as	ADP
fsr-3358	395	37	c′	c′	NOUN
fsr-3358	395	38	=	=	SYM
fsr-3358	395	39	 	 	SPACE
fsr-3358	395	40	c1	c1	PROPN
fsr-3358	395	41	′	′	NUM
fsr-3358	395	42	,	,	PUNCT
fsr-3358	395	43	…	…	PUNCT
fsr-3358	395	44	,	,	PUNCT
fsr-3358	395	45	ct	ct	NOUN
fsr-3358	395	46	′	′	NOUN
fsr-3358	395	47	.	.	PUNCT
fsr-3358	396	1	now	now	ADV
fsr-3358	396	2	,	,	PUNCT
fsr-3358	396	3	we	we	PRON
fsr-3358	396	4	use	use	VERB
fsr-3358	396	5	a	a	DET
fsr-3358	396	6	function	function	NOUN
fsr-3358	396	7	'	'	PUNCT
fsr-3358	396	8	assoc	assoc	NOUN
fsr-3358	396	9	'	'	PUNCT
fsr-3358	396	10	that	that	PRON
fsr-3358	396	11	associates	associate	VERB
fsr-3358	396	12	each	each	DET
fsr-3358	396	13	coordinate	coordinate	NOUN
fsr-3358	396	14	of	of	ADP
fsr-3358	396	15	the	the	DET
fsr-3358	396	16	average	average	ADJ
fsr-3358	396	17	sequence	sequence	NOUN
fsr-3358	396	18	with	with	ADP
fsr-3358	396	19	one	one	NUM
fsr-3358	396	20	or	or	CCONJ
fsr-3358	396	21	more	more	ADJ
fsr-3358	396	22	coordinates	coordinate	NOUN
fsr-3358	396	23	of	of	ADP
fsr-3358	396	24	the	the	DET
fsr-3358	396	25	sequences	sequence	NOUN
fsr-3358	396	26	in	in	ADP
fsr-3358	396	27	s.	s.	PROPN
fsr-3358	396	28	this	this	DET
fsr-3358	396	29	function	function	NOUN
fsr-3358	396	30	is	be	AUX
fsr-3358	396	31	computed	compute	VERB
fsr-3358	396	32	during	during	ADP
fsr-3358	396	33	the	the	DET
fsr-3358	396	34	dtw	dtw	PROPN
fsr-3358	396	35	calculation	calculation	NOUN
fsr-3358	396	36	between	between	ADP
fsr-3358	396	37	c	c	PROPN
fsr-3358	396	38	and	and	CCONJ
fsr-3358	396	39	each	each	DET
fsr-3358	396	40	sequence	sequence	NOUN
fsr-3358	396	41	in	in	ADP
fsr-3358	396	42	s.	s.	PROPN
fsr-3358	396	43	3	3	NUM
fsr-3358	396	44	.	.	PUNCT
fsr-3358	397	1	we	we	PRON
fsr-3358	397	2	can	can	AUX
fsr-3358	397	3	then	then	ADV
fsr-3358	397	4	define	define	VERB
fsr-3358	397	5	the	the	DET
fsr-3358	397	6	t	t	PROPN
fsr-3358	397	7	-	-	PUNCT
fsr-3358	397	8	th	th	VERB
fsr-3358	397	9	coordinate	coordinate	NOUN
fsr-3358	397	10	of	of	ADP
fsr-3358	397	11	the	the	DET
fsr-3358	397	12	average	average	ADJ
fsr-3358	397	13	sequence	sequence	NOUN
fsr-3358	397	14	ct	ct	INTJ
fsr-3358	397	15	as	as	ADP
fsr-3358	397	16	:	:	PUNCT
fsr-3358	397	17	ct	ct	NOUN
fsr-3358	397	18	  	  	SPACE
fsr-3358	397	19	=	=	SYM
fsr-3358	397	20	 	 	SPACE
fsr-3358	397	21	barycenter(assoc(ct	barycenter(assoc(ct	PROPN
fsr-3358	397	22	)	)	PUNCT
fsr-3358	397	23	)	)	PUNCT
fsr-3358	397	24	4	4	NUM
fsr-3358	397	25	.	.	PUNCT
fsr-3358	398	1	the	the	DET
fsr-3358	398	2	barycenter	barycenter	NOUN
fsr-3358	398	3	is	be	AUX
fsr-3358	398	4	the	the	DET
fsr-3358	398	5	arithmetic	arithmetic	ADJ
fsr-3358	398	6	mean	mean	NOUN
fsr-3358	398	7	of	of	ADP
fsr-3358	398	8	a	a	DET
fsr-3358	398	9	set	set	NOUN
fsr-3358	398	10	of	of	ADP
fsr-3358	398	11	points	point	NOUN
fsr-3358	398	12	{	{	PUNCT
fsr-3358	398	13	x1,	x1,	NOUN
fsr-3358	398	14	...	...	NOUN
fsr-3358	398	15	,xα	,xα	NOUN
fsr-3358	398	16	}	}	PUNCT
fsr-3358	398	17	in	in	ADP
fsr-3358	398	18	the	the	DET
fsr-3358	398	19	vector	vector	NOUN
fsr-3358	398	20	space	space	NOUN
fsr-3358	398	21	:	:	PUNCT
fsr-3358	398	22	barycenter{x1	barycenter{x1	NUM
fsr-3358	398	23	,	,	PUNCT
fsr-3358	398	24	…	…	PUNCT
fsr-3358	398	25	,	,	PUNCT
fsr-3358	398	26	xn	xn	PROPN
fsr-3358	398	27	}	}	PUNCT
fsr-3358	398	28	=	=	SYM
fsr-3358	398	29	(	(	PUNCT
fsr-3358	398	30	x1	x1	PROPN
fsr-3358	398	31	 	 	SPACE
fsr-3358	398	32	+	+	NOUN
fsr-3358	398	33	 	 	SPACE
fsr-3358	398	34	…	…	PUNCT
fsr-3358	398	35	 	 	SPACE
fsr-3358	399	1	+	+	NOUN
fsr-3358	399	2	 	 	SPACE
fsr-3358	399	3	xn	xn	NOUN
fsr-3358	399	4	)	)	PUNCT
fsr-3358	400	1	n	n	CCONJ
fsr-3358	400	2	after	after	ADP
fsr-3358	400	3	computing	compute	VERB
fsr-3358	400	4	the	the	DET
fsr-3358	400	5	new	new	ADJ
fsr-3358	400	6	centroid	centroid	NOUN
fsr-3358	400	7	,	,	PUNCT
fsr-3358	400	8	we	we	PRON
fsr-3358	400	9	then	then	ADV
fsr-3358	400	10	repeat	repeat	VERB
fsr-3358	400	11	the	the	DET
fsr-3358	400	12	dtw	dtw	PROPN
fsr-3358	400	13	computation	computation	NOUN
fsr-3358	400	14	between	between	ADP
fsr-3358	400	15	this	this	DET
fsr-3358	400	16	updated	update	VERB
fsr-3358	400	17	average	average	ADJ
fsr-3358	400	18	sequence	sequence	NOUN
fsr-3358	400	19	and	and	CCONJ
fsr-3358	400	20	all	all	DET
fsr-3358	400	21	sequences	sequence	NOUN
fsr-3358	400	22	in	in	ADP
fsr-3358	400	23	s.	s.	PROPN
fsr-3358	400	24	the	the	DET
fsr-3358	400	25	associations	association	NOUN
fsr-3358	400	26	created	create	VERB
fsr-3358	400	27	by	by	ADP
fsr-3358	400	28	the	the	DET
fsr-3358	400	29	dtw	dtw	PROPN
fsr-3358	400	30	may	may	AUX
fsr-3358	400	31	change	change	VERB
fsr-3358	400	32	as	as	ADP
fsr-3358	400	33	a	a	DET
fsr-3358	400	34	result	result	NOUN
fsr-3358	400	35	,	,	PUNCT
fsr-3358	400	36	which	which	PRON
fsr-3358	400	37	is	be	AUX
fsr-3358	400	38	why	why	SCONJ
fsr-3358	400	39	we	we	PRON
fsr-3358	400	40	iteratively	iteratively	ADV
fsr-3358	400	41	perform	perform	VERB
fsr-3358	400	42	this	this	DET
fsr-3358	400	43	process	process	NOUN
fsr-3358	400	44	until	until	SCONJ
fsr-3358	400	45	the	the	DET
fsr-3358	400	46	average	average	ADJ
fsr-3358	400	47	sequence	sequence	NOUN
fsr-3358	400	48	converges	converge	VERB
fsr-3358	400	49	to	to	ADP
fsr-3358	400	50	a	a	DET
fsr-3358	400	51	stable	stable	ADJ
fsr-3358	400	52	configuration	configuration	NOUN
fsr-3358	400	53	.	.	PUNCT
fsr-3358	401	1	together	together	ADV
fsr-3358	401	2	,	,	PUNCT
fsr-3358	401	3	the	the	DET
fsr-3358	401	4	combination	combination	NOUN
fsr-3358	401	5	of	of	ADP
fsr-3358	401	6	min	min	ADJ
fsr-3358	401	7	-	-	ADJ
fsr-3358	401	8	max	max	ADJ
fsr-3358	401	9	scaling	scaling	NOUN
fsr-3358	401	10	,	,	PUNCT
fsr-3358	401	11	dtw	dtw	PROPN
fsr-3358	401	12	and	and	CCONJ
fsr-3358	401	13	k	k	NOUN
fsr-3358	401	14	-	-	PUNCT
fsr-3358	401	15	means	mean	VERB
fsr-3358	401	16	clustering	clustering	NOUN
fsr-3358	401	17	forms	form	NOUN
fsr-3358	401	18	an	an	DET
fsr-3358	401	19	effective	effective	ADJ
fsr-3358	401	20	methodology	methodology	NOUN
fsr-3358	401	21	for	for	ADP
fsr-3358	401	22	time	time	NOUN
fsr-3358	401	23	series	series	PROPN
fsr-3358	401	24	data	datum	NOUN
fsr-3358	401	25	clustering	cluster	VERB
fsr-3358	401	26	in	in	ADP
fsr-3358	401	27	our	our	PRON
fsr-3358	401	28	research	research	NOUN
fsr-3358	401	29	.	.	PUNCT
fsr-3358	402	1	appendix	appendix	VERB
fsr-3358	402	2	5	5	NUM
fsr-3358	402	3	:	:	PUNCT
fsr-3358	402	4	investment	investment	NOUN
fsr-3358	402	5	returns	return	NOUN
fsr-3358	402	6	versus	versus	ADP
fsr-3358	402	7	contribution	contribution	NOUN
fsr-3358	402	8	rates	rate	NOUN
fsr-3358	402	9	figure	figure	VERB
fsr-3358	402	10	8	8	NUM
fsr-3358	402	11	.	.	PUNCT
fsr-3358	403	1	dataset	dataset	NOUN
fsr-3358	403	2	1	1	NUM
fsr-3358	403	3	—	—	PUNCT
fsr-3358	403	4	investment	investment	NOUN
fsr-3358	403	5	returns	return	NOUN
fsr-3358	403	6	(	(	PUNCT
fsr-3358	403	7	irr	irr	PROPN
fsr-3358	403	8	)	)	PUNCT
fsr-3358	403	9	and	and	CCONJ
fsr-3358	403	10	contribution	contribution	NOUN
fsr-3358	403	11	rates	rate	NOUN
fsr-3358	403	12	(	(	PUNCT
fsr-3358	403	13	cr	cr	NOUN
fsr-3358	403	14	)	)	PUNCT
fsr-3358	403	15	by	by	ADP
fsr-3358	403	16	cluster	cluster	NOUN
fsr-3358	403	17	financial	financial	PROPN
fsr-3358	403	18	services	services	PROPN
fsr-3358	403	19	review	review	PROPN
fsr-3358	403	20	,	,	PUNCT
fsr-3358	403	21	32(2	32(2	NUM
fsr-3358	403	22	)	)	PUNCT
fsr-3358	403	23	22	22	NUM
fsr-3358	403	24	figure	figure	NOUN
fsr-3358	403	25	9	9	NUM
fsr-3358	403	26	.	.	PUNCT
fsr-3358	404	1	dataset	dataset	NOUN
fsr-3358	404	2	2	2	NUM
fsr-3358	404	3	—	—	PUNCT
fsr-3358	404	4	investment	investment	NOUN
fsr-3358	404	5	returns	return	NOUN
fsr-3358	404	6	(	(	PUNCT
fsr-3358	404	7	irr	irr	PROPN
fsr-3358	404	8	)	)	PUNCT
fsr-3358	404	9	and	and	CCONJ
fsr-3358	404	10	contribution	contribution	NOUN
fsr-3358	404	11	rates	rate	NOUN
fsr-3358	404	12	(	(	PUNCT
fsr-3358	404	13	cr	cr	NOUN
fsr-3358	404	14	)	)	PUNCT
fsr-3358	404	15	by	by	ADP
fsr-3358	404	16	cluster	cluster	NOUN
fsr-3358	404	17	appendix	appendix	NOUN
fsr-3358	404	18	6	6	NUM
fsr-3358	404	19	:	:	PUNCT
fsr-3358	404	20	investment	investment	NOUN
fsr-3358	404	21	return	return	NOUN
fsr-3358	404	22	calculations	calculation	NOUN
fsr-3358	404	23	(	(	PUNCT
fsr-3358	404	24	irr	irr	NOUN
fsr-3358	404	25	)	)	PUNCT
fsr-3358	404	26	to	to	PART
fsr-3358	404	27	compare	compare	VERB
fsr-3358	404	28	investment	investment	NOUN
fsr-3358	404	29	performance	performance	NOUN
fsr-3358	404	30	across	across	ADP
fsr-3358	404	31	different	different	ADJ
fsr-3358	404	32	portfolios	portfolio	NOUN
fsr-3358	404	33	,	,	PUNCT
fsr-3358	404	34	we	we	PRON
fsr-3358	404	35	needed	need	VERB
fsr-3358	404	36	a	a	DET
fsr-3358	404	37	comparison	comparison	NOUN
fsr-3358	404	38	criterion	criterion	NOUN
fsr-3358	404	39	that	that	PRON
fsr-3358	404	40	considers	consider	VERB
fsr-3358	404	41	the	the	DET
fsr-3358	404	42	cash	cash	NOUN
fsr-3358	404	43	flows	flow	VERB
fsr-3358	404	44	into	into	ADP
fsr-3358	404	45	and	and	CCONJ
fsr-3358	404	46	out	out	ADP
fsr-3358	404	47	of	of	ADP
fsr-3358	404	48	the	the	DET
fsr-3358	404	49	portfolio	portfolio	NOUN
fsr-3358	404	50	,	,	PUNCT
fsr-3358	404	51	as	as	ADV
fsr-3358	404	52	well	well	ADV
fsr-3358	404	53	as	as	ADP
fsr-3358	404	54	the	the	DET
fsr-3358	404	55	timing	timing	NOUN
fsr-3358	404	56	of	of	ADP
fsr-3358	404	57	such	such	ADJ
fsr-3358	404	58	cash	cash	NOUN
fsr-3358	404	59	flows	flow	NOUN
fsr-3358	404	60	.	.	PUNCT
fsr-3358	405	1	one	one	NUM
fsr-3358	405	2	simple	simple	ADJ
fsr-3358	405	3	and	and	CCONJ
fsr-3358	405	4	commonly	commonly	ADV
fsr-3358	405	5	used	use	VERB
fsr-3358	405	6	criterion	criterion	NOUN
fsr-3358	405	7	is	be	AUX
fsr-3358	405	8	the	the	DET
fsr-3358	405	9	internal	internal	ADJ
fsr-3358	405	10	rate	rate	NOUN
fsr-3358	405	11	of	of	ADP
fsr-3358	405	12	return	return	NOUN
fsr-3358	405	13	(	(	PUNCT
fsr-3358	405	14	irr	irr	PROPN
fsr-3358	405	15	)	)	PUNCT
fsr-3358	405	16	.	.	PUNCT
fsr-3358	406	1	the	the	DET
fsr-3358	406	2	irr	irr	NOUN
fsr-3358	406	3	is	be	AUX
fsr-3358	406	4	defined	define	VERB
fsr-3358	406	5	as	as	ADP
fsr-3358	406	6	the	the	DET
fsr-3358	406	7	discount	discount	NOUN
fsr-3358	406	8	rate	rate	NOUN
fsr-3358	406	9	at	at	ADP
fsr-3358	406	10	which	which	PRON
fsr-3358	406	11	the	the	DET
fsr-3358	406	12	present	present	ADJ
fsr-3358	406	13	value	value	NOUN
fsr-3358	406	14	of	of	ADP
fsr-3358	406	15	all	all	DET
fsr-3358	406	16	cash	cash	NOUN
fsr-3358	406	17	flows	flow	NOUN
fsr-3358	406	18	in	in	ADP
fsr-3358	406	19	a	a	DET
fsr-3358	406	20	given	give	VERB
fsr-3358	406	21	period	period	NOUN
fsr-3358	406	22	of	of	ADP
fsr-3358	406	23	time	time	NOUN
fsr-3358	406	24	equals	equal	VERB
fsr-3358	406	25	to	to	ADP
fsr-3358	406	26	0	0	NUM
fsr-3358	406	27	.	.	PUNCT
fsr-3358	407	1	consider	consider	VERB
fsr-3358	407	2	a	a	DET
fsr-3358	407	3	portfolio	portfolio	NOUN
fsr-3358	407	4	that	that	PRON
fsr-3358	407	5	is	be	AUX
fsr-3358	407	6	invested	invest	VERB
fsr-3358	407	7	from	from	ADP
fsr-3358	407	8	time	time	NOUN
fsr-3358	407	9	0	0	NUM
fsr-3358	407	10	to	to	ADP
fsr-3358	407	11	time	time	NOUN
fsr-3358	407	12	t.	t.	PROPN
fsr-3358	407	13	assume	assume	VERB
fsr-3358	407	14	that	that	SCONJ
fsr-3358	407	15	the	the	DET
fsr-3358	407	16	market	market	NOUN
fsr-3358	407	17	value	value	NOUN
fsr-3358	407	18	of	of	ADP
fsr-3358	407	19	the	the	DET
fsr-3358	407	20	portfolio	portfolio	NOUN
fsr-3358	407	21	at	at	ADP
fsr-3358	407	22	time	time	NOUN
fsr-3358	407	23	0	0	NUM
fsr-3358	407	24	is	be	AUX
fsr-3358	407	25	s0	s0	NOUN
fsr-3358	407	26	,	,	PUNCT
fsr-3358	407	27	and	and	CCONJ
fsr-3358	407	28	that	that	SCONJ
fsr-3358	407	29	the	the	DET
fsr-3358	407	30	market	market	NOUN
fsr-3358	407	31	value	value	NOUN
fsr-3358	407	32	at	at	ADP
fsr-3358	407	33	the	the	DET
fsr-3358	407	34	conclusion	conclusion	NOUN
fsr-3358	407	35	of	of	ADP
fsr-3358	407	36	the	the	DET
fsr-3358	407	37	investment	investment	NOUN
fsr-3358	407	38	is	be	AUX
fsr-3358	407	39	st	st	PROPN
fsr-3358	407	40	.	.	PROPN
fsr-3358	407	41	assume	assume	VERB
fsr-3358	407	42	that	that	SCONJ
fsr-3358	407	43	the	the	DET
fsr-3358	407	44	investor	investor	NOUN
fsr-3358	407	45	makes	make	VERB
fsr-3358	407	46	n	n	PRON
fsr-3358	407	47	transactions	transaction	NOUN
fsr-3358	407	48	before	before	ADP
fsr-3358	407	49	time	time	NOUN
fsr-3358	407	50	t	t	PROPN
fsr-3358	407	51	,	,	PUNCT
fsr-3358	407	52	where	where	SCONJ
fsr-3358	407	53	the	the	DET
fsr-3358	407	54	ith	ith	PROPN
fsr-3358	407	55	transaction	transaction	NOUN
fsr-3358	407	56	happens	happen	VERB
fsr-3358	407	57	at	at	ADP
fsr-3358	407	58	time	time	NOUN
fsr-3358	407	59	ti	ti	NOUN
fsr-3358	407	60	and	and	CCONJ
fsr-3358	407	61	has	have	AUX
fsr-3358	407	62	amount	amount	NOUN
fsr-3358	407	63	ci	ci	NOUN
fsr-3358	407	64	.	.	PUNCT
fsr-3358	408	1	we	we	PRON
fsr-3358	408	2	further	far	ADV
fsr-3358	408	3	assume	assume	VERB
fsr-3358	408	4	that	that	SCONJ
fsr-3358	408	5	ci	ci	PROPN
fsr-3358	408	6	>	>	X
fsr-3358	408	7	0	0	PUNCT
fsr-3358	409	1	if	if	SCONJ
fsr-3358	409	2	the	the	DET
fsr-3358	409	3	ith	ith	PROPN
fsr-3358	409	4	transaction	transaction	NOUN
fsr-3358	409	5	is	be	AUX
fsr-3358	409	6	an	an	DET
fsr-3358	409	7	additional	additional	ADJ
fsr-3358	409	8	contribution	contribution	NOUN
fsr-3358	409	9	to	to	ADP
fsr-3358	409	10	the	the	DET
fsr-3358	409	11	portfolio	portfolio	NOUN
fsr-3358	409	12	,	,	PUNCT
fsr-3358	409	13	and	and	CCONJ
fsr-3358	409	14	that	that	SCONJ
fsr-3358	409	15	ci	ci	NOUN
fsr-3358	409	16	<	<	X
fsr-3358	409	17	0	0	PUNCT
fsr-3358	410	1	otherwise	otherwise	ADV
fsr-3358	410	2	.	.	PUNCT
fsr-3358	411	1	the	the	DET
fsr-3358	411	2	irr	irr	NOUN
fsr-3358	411	3	of	of	ADP
fsr-3358	411	4	this	this	DET
fsr-3358	411	5	investment	investment	NOUN
fsr-3358	411	6	is	be	AUX
fsr-3358	411	7	the	the	DET
fsr-3358	411	8	root	root	NOUN
fsr-3358	411	9	to	to	ADP
fsr-3358	411	10	the	the	DET
fsr-3358	411	11	equation	equation	NOUN
fsr-3358	411	12	s0	s0	PROPN
fsr-3358	411	13	+	+	PROPN
fsr-3358	411	14	∑ci	∑ci	X
fsr-3358	411	15	n	n	CCONJ
fsr-3358	411	16	i=1	i=1	PROPN
fsr-3358	411	17	e−rti	e−rti	PROPN
fsr-3358	411	18	−	−	PROPN
fsr-3358	411	19	ste	ste	PROPN
fsr-3358	411	20	−rt	−rt	X
fsr-3358	411	21	=	=	SYM
fsr-3358	411	22	0	0	PROPN
fsr-3358	411	23	,	,	PUNCT
fsr-3358	411	24	where	where	SCONJ
fsr-3358	411	25	∑	∑	PROPN
fsr-3358	411	26	ci	ci	PROPN
fsr-3358	411	27	n	n	CCONJ
fsr-3358	411	28	i=1	i=1	PROPN
fsr-3358	411	29	e−tir	e−tir	ADV
fsr-3358	412	1	=	=	SYM
fsr-3358	412	2	0	0	PUNCT
fsr-3358	413	1	if	if	SCONJ
fsr-3358	413	2	n	n	ADV
fsr-3358	413	3	=	=	SYM
fsr-3358	413	4	0	0	X
fsr-3358	413	5	.	.	PUNCT
fsr-3358	414	1	notice	notice	VERB
fsr-3358	414	2	more	more	ADJ
fsr-3358	414	3	than	than	ADP
fsr-3358	414	4	one	one	NUM
fsr-3358	414	5	root	root	NOUN
fsr-3358	414	6	may	may	AUX
fsr-3358	414	7	exist	exist	VERB
fsr-3358	414	8	if	if	SCONJ
fsr-3358	414	9	one	one	NUM
fsr-3358	414	10	or	or	CCONJ
fsr-3358	414	11	more	more	ADJ
fsr-3358	414	12	ci	ci	NOUN
fsr-3358	414	13	is	be	AUX
fsr-3358	414	14	negative	negative	ADJ
fsr-3358	414	15	,	,	PUNCT
fsr-3358	414	16	i.e.	i.e.	X
fsr-3358	414	17	,	,	PUNCT
fsr-3358	414	18	the	the	DET
fsr-3358	414	19	investor	investor	NOUN
fsr-3358	414	20	withdraws	withdraw	VERB
fsr-3358	414	21	at	at	ADP
fsr-3358	414	22	least	least	ADJ
fsr-3358	414	23	once	once	ADV
fsr-3358	414	24	from	from	ADP
fsr-3358	414	25	the	the	DET
fsr-3358	414	26	investment	investment	NOUN
fsr-3358	414	27	.	.	PUNCT
fsr-3358	415	1	some	some	DET
fsr-3358	415	2	approaches	approach	NOUN
fsr-3358	415	3	have	have	AUX
fsr-3358	415	4	been	be	AUX
fsr-3358	415	5	proposed	propose	VERB
fsr-3358	415	6	in	in	ADP
fsr-3358	415	7	the	the	DET
fsr-3358	415	8	existing	exist	VERB
fsr-3358	415	9	literature	literature	NOUN
fsr-3358	415	10	to	to	PART
fsr-3358	415	11	select	select	VERB
fsr-3358	415	12	the	the	DET
fsr-3358	415	13	most	most	ADV
fsr-3358	415	14	useful	useful	ADJ
fsr-3358	415	15	irr	irr	NOUN
fsr-3358	415	16	in	in	ADP
fsr-3358	415	17	this	this	DET
fsr-3358	415	18	case	case	NOUN
fsr-3358	415	19	,	,	PUNCT
fsr-3358	415	20	see	see	VERB
fsr-3358	415	21	,	,	PUNCT
fsr-3358	415	22	for	for	ADP
fsr-3358	415	23	example	example	NOUN
fsr-3358	415	24	,	,	PUNCT
fsr-3358	415	25	hartman	hartman	PROPN
fsr-3358	415	26	and	and	CCONJ
fsr-3358	415	27	schafrick	schafrick	PROPN
fsr-3358	415	28	(	(	PUNCT
fsr-3358	415	29	2004	2004	NUM
fsr-3358	415	30	)	)	PUNCT
fsr-3358	415	31	.	.	PUNCT
fsr-3358	416	1	for	for	ADP
fsr-3358	416	2	the	the	DET
fsr-3358	416	3	rrsp	rrsp	PROPN
fsr-3358	416	4	accounts	account	NOUN
fsr-3358	416	5	that	that	PRON
fsr-3358	416	6	are	be	AUX
fsr-3358	416	7	analyzed	analyze	VERB
fsr-3358	416	8	in	in	ADP
fsr-3358	416	9	this	this	DET
fsr-3358	416	10	project	project	NOUN
fsr-3358	416	11	,	,	PUNCT
fsr-3358	416	12	there	there	PRON
fsr-3358	416	13	is	be	VERB
fsr-3358	416	14	a	a	DET
fsr-3358	416	15	strong	strong	ADJ
fsr-3358	416	16	incentive	incentive	NOUN
fsr-3358	416	17	for	for	SCONJ
fsr-3358	416	18	investors	investor	NOUN
fsr-3358	416	19	to	to	PART
fsr-3358	416	20	refrain	refrain	VERB
fsr-3358	416	21	from	from	ADP
fsr-3358	416	22	withdrawing	withdraw	VERB
fsr-3358	416	23	prematurely	prematurely	ADV
fsr-3358	416	24	.	.	PUNCT
fsr-3358	417	1	consequently	consequently	ADV
fsr-3358	417	2	,	,	PUNCT
fsr-3358	417	3	large	large	ADJ
fsr-3358	417	4	withdrawals	withdrawal	NOUN
fsr-3358	417	5	from	from	ADP
fsr-3358	417	6	the	the	DET
fsr-3358	417	7	portfolio	portfolio	NOUN
fsr-3358	417	8	are	be	AUX
fsr-3358	417	9	less	less	ADV
fsr-3358	417	10	commonly	commonly	ADV
fsr-3358	417	11	observed	observe	VERB
fsr-3358	417	12	compared	compare	VERB
fsr-3358	417	13	to	to	ADP
fsr-3358	417	14	other	other	ADJ
fsr-3358	417	15	account	account	NOUN
fsr-3358	417	16	types	type	NOUN
fsr-3358	417	17	.	.	PUNCT
fsr-3358	418	1	to	to	PART
fsr-3358	418	2	calculate	calculate	VERB
fsr-3358	418	3	the	the	DET
fsr-3358	418	4	irr	irr	NOUN
fsr-3358	418	5	of	of	ADP
fsr-3358	418	6	different	different	ADJ
fsr-3358	418	7	portfolios	portfolio	NOUN
fsr-3358	418	8	,	,	PUNCT
fsr-3358	418	9	we	we	PRON
fsr-3358	418	10	first	first	ADV
fsr-3358	418	11	need	need	VERB
fsr-3358	418	12	to	to	PART
fsr-3358	418	13	obtain	obtain	VERB
fsr-3358	418	14	the	the	DET
fsr-3358	418	15	amount	amount	NOUN
fsr-3358	418	16	and	and	CCONJ
fsr-3358	418	17	the	the	DET
fsr-3358	418	18	timing	timing	NOUN
fsr-3358	418	19	of	of	ADP
fsr-3358	418	20	all	all	DET
fsr-3358	418	21	the	the	DET
fsr-3358	418	22	cash	cash	NOUN
fsr-3358	418	23	flows	flow	VERB
fsr-3358	418	24	.	.	PUNCT
fsr-3358	419	1	however	however	ADV
fsr-3358	419	2	,	,	PUNCT
fsr-3358	419	3	as	as	SCONJ
fsr-3358	419	4	the	the	DET
fsr-3358	419	5	trading	trading	NOUN
fsr-3358	419	6	records	record	NOUN
fsr-3358	419	7	of	of	ADP
fsr-3358	419	8	the	the	DET
fsr-3358	419	9	raw	raw	ADJ
fsr-3358	419	10	data	data	NOUN
fsr-3358	419	11	sets	set	NOUN
fsr-3358	419	12	contain	contain	VERB
fsr-3358	419	13	errors	error	NOUN
fsr-3358	419	14	that	that	PRON
fsr-3358	419	15	are	be	AUX
fsr-3358	419	16	challenging	challenge	VERB
fsr-3358	419	17	,	,	PUNCT
fsr-3358	419	18	if	if	SCONJ
fsr-3358	419	19	not	not	PART
fsr-3358	419	20	impossible	impossible	ADJ
fsr-3358	419	21	,	,	PUNCT
fsr-3358	419	22	to	to	PART
fsr-3358	419	23	distinguish	distinguish	VERB
fsr-3358	419	24	from	from	ADP
fsr-3358	419	25	correct	correct	ADJ
fsr-3358	419	26	records	record	NOUN
fsr-3358	419	27	,	,	PUNCT
fsr-3358	419	28	we	we	PRON
fsr-3358	419	29	need	need	VERB
fsr-3358	419	30	to	to	PART
fsr-3358	419	31	resort	resort	VERB
fsr-3358	419	32	to	to	ADP
fsr-3358	419	33	approximations	approximation	NOUN
fsr-3358	419	34	.	.	PUNCT
fsr-3358	420	1	to	to	ADP
fsr-3358	420	2	this	this	DET
fsr-3358	420	3	end	end	NOUN
fsr-3358	420	4	,	,	PUNCT
fsr-3358	420	5	we	we	PRON
fsr-3358	420	6	use	use	VERB
fsr-3358	420	7	the	the	DET
fsr-3358	420	8	following	follow	VERB
fsr-3358	420	9	procedure	procedure	NOUN
fsr-3358	420	10	:	:	PUNCT
fsr-3358	420	11	1	1	X
fsr-3358	420	12	.	.	X
fsr-3358	420	13	calculate	calculate	VERB
fsr-3358	420	14	the	the	DET
fsr-3358	420	15	daily	daily	ADJ
fsr-3358	420	16	change	change	NOUN
fsr-3358	420	17	of	of	ADP
fsr-3358	420	18	number	number	NOUN
fsr-3358	420	19	of	of	ADP
fsr-3358	420	20	shares	share	NOUN
fsr-3358	420	21	for	for	ADP
fsr-3358	420	22	all	all	DET
fsr-3358	420	23	the	the	DET
fsr-3358	420	24	securities	security	NOUN
fsr-3358	420	25	in	in	ADP
fsr-3358	420	26	a	a	DET
fsr-3358	420	27	portfolio	portfolio	NOUN
fsr-3358	420	28	.	.	PUNCT
fsr-3358	421	1	determine	determine	VERB
fsr-3358	421	2	the	the	DET
fsr-3358	421	3	reason	reason	NOUN
fsr-3358	421	4	for	for	ADP
fsr-3358	421	5	such	such	ADJ
fsr-3358	421	6	changes	change	NOUN
fsr-3358	421	7	and	and	CCONJ
fsr-3358	421	8	keep	keep	VERB
fsr-3358	421	9	only	only	ADV
fsr-3358	421	10	those	those	PRON
fsr-3358	421	11	caused	cause	VERB
fsr-3358	421	12	by	by	ADP
fsr-3358	421	13	a	a	DET
fsr-3358	421	14	trading	trading	NOUN
fsr-3358	421	15	decision	decision	NOUN
fsr-3358	421	16	from	from	ADP
fsr-3358	421	17	the	the	DET
fsr-3358	421	18	investor	investor	NOUN
fsr-3358	421	19	.	.	PUNCT
fsr-3358	422	1	for	for	ADP
fsr-3358	422	2	example	example	NOUN
fsr-3358	422	3	,	,	PUNCT
fsr-3358	422	4	reinvested	reinveste	VERB
fsr-3358	422	5	dividends	dividend	NOUN
fsr-3358	422	6	would	would	AUX
fsr-3358	422	7	cause	cause	VERB
fsr-3358	422	8	the	the	DET
fsr-3358	422	9	number	number	NOUN
fsr-3358	422	10	of	of	ADP
fsr-3358	422	11	shares	share	NOUN
fsr-3358	422	12	to	to	PART
fsr-3358	422	13	change	change	VERB
fsr-3358	422	14	,	,	PUNCT
fsr-3358	422	15	but	but	CCONJ
fsr-3358	422	16	they	they	PRON
fsr-3358	422	17	are	be	AUX
fsr-3358	422	18	not	not	PART
fsr-3358	422	19	counted	count	VERB
fsr-3358	422	20	as	as	ADP
fsr-3358	422	21	cash	cash	NOUN
fsr-3358	422	22	flows	flow	NOUN
fsr-3358	422	23	.	.	PUNCT
fsr-3358	423	1	2	2	X
fsr-3358	423	2	.	.	X
fsr-3358	423	3	calculate	calculate	VERB
fsr-3358	423	4	the	the	DET
fsr-3358	423	5	average	average	ADJ
fsr-3358	423	6	trading	trading	NOUN
fsr-3358	423	7	price	price	NOUN
fsr-3358	423	8	for	for	ADP
fsr-3358	423	9	each	each	DET
fsr-3358	423	10	security	security	NOUN
fsr-3358	423	11	on	on	ADP
fsr-3358	423	12	each	each	DET
fsr-3358	423	13	day	day	NOUN
fsr-3358	423	14	.	.	PUNCT
fsr-3358	424	1	calculate	calculate	VERB
fsr-3358	424	2	the	the	DET
fsr-3358	424	3	amount	amount	NOUN
fsr-3358	424	4	of	of	ADP
fsr-3358	424	5	the	the	DET
fsr-3358	424	6	changes	change	NOUN
fsr-3358	424	7	in	in	ADP
fsr-3358	424	8	step	step	NOUN
fsr-3358	424	9	1	1	NUM
fsr-3358	424	10	)	)	PUNCT
fsr-3358	424	11	.	.	PUNCT
fsr-3358	425	1	3	3	X
fsr-3358	425	2	.	.	X
fsr-3358	425	3	add	add	VERB
fsr-3358	425	4	other	other	ADJ
fsr-3358	425	5	cash	cash	NOUN
fsr-3358	425	6	flows	flow	NOUN
fsr-3358	425	7	that	that	PRON
fsr-3358	425	8	does	do	AUX
fsr-3358	425	9	not	not	PART
fsr-3358	425	10	cause	cause	VERB
fsr-3358	425	11	changes	change	NOUN
fsr-3358	425	12	in	in	ADP
fsr-3358	425	13	the	the	DET
fsr-3358	425	14	number	number	NOUN
fsr-3358	425	15	of	of	ADP
fsr-3358	425	16	shares	share	NOUN
fsr-3358	425	17	.	.	PUNCT
fsr-3358	426	1	for	for	ADP
fsr-3358	426	2	example	example	NOUN
fsr-3358	426	3	,	,	PUNCT
fsr-3358	426	4	dividends	dividend	NOUN
fsr-3358	426	5	paid	pay	VERB
fsr-3358	426	6	out	out	ADP
fsr-3358	426	7	as	as	ADP
fsr-3358	426	8	cash	cash	NOUN
fsr-3358	426	9	do	do	AUX
fsr-3358	426	10	not	not	PART
fsr-3358	426	11	cause	cause	VERB
fsr-3358	426	12	the	the	DET
fsr-3358	426	13	number	number	NOUN
fsr-3358	426	14	of	of	ADP
fsr-3358	426	15	shares	share	NOUN
fsr-3358	426	16	to	to	PART
fsr-3358	426	17	change	change	VERB
fsr-3358	426	18	,	,	PUNCT
fsr-3358	426	19	but	but	CCONJ
fsr-3358	426	20	they	they	PRON
fsr-3358	426	21	are	be	AUX
fsr-3358	426	22	counted	count	VERB
fsr-3358	426	23	as	as	ADP
fsr-3358	426	24	cash	cash	NOUN
fsr-3358	426	25	flows	flow	NOUN
fsr-3358	426	26	since	since	SCONJ
fsr-3358	426	27	they	they	PRON
fsr-3358	426	28	are	be	AUX
fsr-3358	426	29	returns	return	NOUN
fsr-3358	426	30	from	from	ADP
fsr-3358	426	31	the	the	DET
fsr-3358	426	32	investment	investment	NOUN
fsr-3358	426	33	.	.	PUNCT
fsr-3358	427	1	there	there	PRON
fsr-3358	427	2	are	be	VERB
fsr-3358	427	3	two	two	NUM
fsr-3358	427	4	main	main	ADJ
fsr-3358	427	5	sources	source	NOUN
fsr-3358	427	6	of	of	ADP
fsr-3358	427	7	error	error	NOUN
fsr-3358	427	8	in	in	ADP
fsr-3358	427	9	the	the	DET
fsr-3358	427	10	approximation	approximation	NOUN
fsr-3358	427	11	procedure	procedure	NOUN
fsr-3358	427	12	:	:	PUNCT
fsr-3358	427	13	the	the	DET
fsr-3358	427	14	rounding	round	VERB
fsr-3358	427	15	error	error	NOUN
fsr-3358	427	16	of	of	ADP
fsr-3358	427	17	the	the	DET
fsr-3358	427	18	number	number	NOUN
fsr-3358	427	19	of	of	ADP
fsr-3358	427	20	shares	share	NOUN
fsr-3358	427	21	that	that	PRON
fsr-3358	427	22	are	be	AUX
fsr-3358	427	23	exchanged	exchange	VERB
fsr-3358	427	24	,	,	PUNCT
fsr-3358	427	25	and	and	CCONJ
fsr-3358	427	26	the	the	DET
fsr-3358	427	27	difference	difference	NOUN
fsr-3358	427	28	between	between	ADP
fsr-3358	427	29	average	average	ADJ
fsr-3358	427	30	trading	trading	NOUN
fsr-3358	427	31	price	price	NOUN
fsr-3358	427	32	and	and	CCONJ
fsr-3358	427	33	actual	actual	ADJ
fsr-3358	427	34	trading	trading	NOUN
fsr-3358	427	35	price	price	NOUN
fsr-3358	427	36	.	.	PUNCT
fsr-3358	428	1	the	the	DET
fsr-3358	428	2	errors	error	NOUN
fsr-3358	428	3	are	be	AUX
fsr-3358	428	4	not	not	PART
fsr-3358	428	5	material	material	ADJ
fsr-3358	428	6	and	and	CCONJ
fsr-3358	428	7	do	do	AUX
fsr-3358	428	8	not	not	PART
fsr-3358	428	9	affect	affect	VERB
fsr-3358	428	10	the	the	DET
fsr-3358	428	11	results	result	NOUN
fsr-3358	428	12	significantly	significantly	ADV
fsr-3358	428	13	.	.	PUNCT
fsr-3358	429	1	grace	grace	NOUN
fsr-3358	429	2	et	et	PROPN
fsr-3358	429	3	al	al	PROPN
fsr-3358	429	4	.	.	PROPN
fsr-3358	429	5	23	23	NUM
fsr-3358	430	1	a	a	DET
fsr-3358	430	2	histogram	histogram	NOUN
fsr-3358	430	3	of	of	ADP
fsr-3358	430	4	the	the	DET
fsr-3358	430	5	observed	observe	VERB
fsr-3358	430	6	irrs	irrs	NOUN
fsr-3358	430	7	is	be	AUX
fsr-3358	430	8	given	give	VERB
fsr-3358	430	9	in	in	ADP
fsr-3358	430	10	figure	figure	NOUN
fsr-3358	430	11	10	10	NUM
fsr-3358	430	12	.	.	PUNCT
fsr-3358	431	1	the	the	DET
fsr-3358	431	2	table	table	NOUN
fsr-3358	431	3	below	below	ADP
fsr-3358	431	4	summarizes	summarize	NOUN
fsr-3358	431	5	the	the	DET
fsr-3358	431	6	quantiles	quantile	NOUN
fsr-3358	431	7	of	of	ADP
fsr-3358	431	8	the	the	DET
fsr-3358	431	9	irr	irr	PROPN
fsr-3358	431	10	.	.	PUNCT
fsr-3358	432	1	figure	figure	NOUN
fsr-3358	432	2	10	10	NUM
fsr-3358	432	3	.	.	PUNCT
fsr-3358	433	1	histogram	histogram	NOUN
fsr-3358	433	2	of	of	ADP
fsr-3358	433	3	the	the	DET
fsr-3358	433	4	realized	realize	VERB
fsr-3358	433	5	irr	irr	NOUN
fsr-3358	433	6	quantile	quantile	NOUN
fsr-3358	433	7	0.01	0.01	NUM
fsr-3358	433	8	0.25	0.25	NUM
fsr-3358	433	9	0.50	0.50	NUM
fsr-3358	433	10	0.75	0.75	NUM
fsr-3358	433	11	0.99	0.99	NUM
fsr-3358	433	12	irr	irr	NOUN
fsr-3358	433	13	0.433257	0.433257	NUM
fsr-3358	433	14	0.049519	0.049519	NUM
fsr-3358	433	15	0.011676	0.011676	NUM
fsr-3358	433	16	0.054847	0.054847	NUM
fsr-3358	433	17	.653425	.653425	NOUN
fsr-3358	433	18	appendix	appendix	NOUN
fsr-3358	433	19	7	7	NUM
fsr-3358	433	20	:	:	PUNCT
fsr-3358	433	21	savings	saving	NOUN
fsr-3358	433	22	frequency	frequency	NOUN
fsr-3358	433	23	and	and	CCONJ
fsr-3358	433	24	wealth	wealth	NOUN
fsr-3358	433	25	accumulation	accumulation	NOUN
fsr-3358	433	26	figures	figure	NOUN
fsr-3358	433	27	figure	figure	VERB
fsr-3358	433	28	11	11	NUM
fsr-3358	433	29	.	.	PUNCT
fsr-3358	434	1	dataset	dataset	VERB
fsr-3358	434	2	1	1	NUM
fsr-3358	434	3	—	—	PUNCT
fsr-3358	434	4	savings	saving	NOUN
fsr-3358	434	5	frequency	frequency	NOUN
fsr-3358	434	6	and	and	CCONJ
fsr-3358	434	7	wealth	wealth	NOUN
fsr-3358	434	8	accumulation	accumulation	NOUN
fsr-3358	434	9	financial	financial	PROPN
fsr-3358	434	10	services	service	NOUN
fsr-3358	434	11	review	review	PROPN
fsr-3358	434	12	,	,	PUNCT
fsr-3358	434	13	32(2	32(2	NUM
fsr-3358	434	14	)	)	PUNCT
fsr-3358	434	15	24	24	NUM
fsr-3358	434	16	figure	figure	NOUN
fsr-3358	434	17	12	12	NUM
fsr-3358	434	18	.	.	PUNCT
fsr-3358	435	1	dataset	dataset	VERB
fsr-3358	435	2	1	1	NUM
fsr-3358	435	3	—	—	PUNCT
fsr-3358	435	4	savings	saving	NOUN
fsr-3358	435	5	frequency	frequency	NOUN
fsr-3358	435	6	,	,	PUNCT
fsr-3358	435	7	irr	irr	NOUN
fsr-3358	435	8	versus	versus	ADP
fsr-3358	435	9	cr	cr	PROPN
fsr-3358	435	10	figure	figure	VERB
fsr-3358	435	11	13	13	NUM
fsr-3358	435	12	.	.	PUNCT
fsr-3358	436	1	dataset	dataset	NOUN
fsr-3358	436	2	2	2	NUM
fsr-3358	436	3	—	—	PUNCT
fsr-3358	436	4	savings	saving	NOUN
fsr-3358	436	5	frequency	frequency	NOUN
fsr-3358	436	6	and	and	CCONJ
fsr-3358	436	7	wealth	wealth	NOUN
fsr-3358	436	8	accumulation	accumulation	NOUN
fsr-3358	436	9	grace	grace	NOUN
fsr-3358	436	10	et	et	PROPN
fsr-3358	436	11	al	al	PROPN
fsr-3358	436	12	.	.	PROPN
fsr-3358	437	1	25	25	NUM
fsr-3358	437	2	figure	figure	NOUN
fsr-3358	437	3	14	14	NUM
fsr-3358	437	4	.	.	PUNCT
fsr-3358	438	1	dataset	dataset	VERB
fsr-3358	438	2	2	2	NUM
fsr-3358	438	3	—	—	PUNCT
fsr-3358	438	4	savings	saving	NOUN
fsr-3358	438	5	frequency	frequency	NOUN
fsr-3358	438	6	and	and	CCONJ
fsr-3358	438	7	irr	irr	NOUN
fsr-3358	438	8	versus	versus	ADP
fsr-3358	438	9	cr	cr	PROPN
fsr-3358	438	10	references	reference	NOUN
fsr-3358	438	11	avanzi	avanzi	PROPN
fsr-3358	438	12	,	,	PUNCT
fsr-3358	438	13	b.	b.	PROPN
fsr-3358	438	14	,	,	PUNCT
fsr-3358	438	15	taylor	taylor	PROPN
fsr-3358	438	16	,	,	PUNCT
fsr-3358	438	17	g.	g.	PROPN
fsr-3358	438	18	,	,	PUNCT
fsr-3358	438	19	wong	wong	PROPN
fsr-3358	438	20	,	,	PUNCT
fsr-3358	438	21	b.	b.	PROPN
fsr-3358	438	22	,	,	PUNCT
fsr-3358	438	23	&	&	CCONJ
fsr-3358	438	24	xian	xian	PROPN
fsr-3358	438	25	,	,	PUNCT
fsr-3358	438	26	a.	a.	NOUN
fsr-3358	438	27	(	(	PUNCT
fsr-3358	438	28	2021	2021	NUM
fsr-3358	438	29	)	)	PUNCT
fsr-3358	438	30	.	.	PUNCT
fsr-3358	439	1	modelling	modelling	NOUN
fsr-3358	439	2	and	and	CCONJ
fsr-3358	439	3	understanding	understand	VERB
fsr-3358	439	4	count	count	NOUN
fsr-3358	439	5	processes	process	NOUN
fsr-3358	439	6	through	through	ADP
fsr-3358	439	7	a	a	DET
fsr-3358	439	8	markovmodulated	markovmodulated	ADJ
fsr-3358	439	9	non	non	ADJ
fsr-3358	439	10	-	-	ADJ
fsr-3358	439	11	homogeneous	homogeneous	ADJ
fsr-3358	439	12	poisson	poisson	NOUN
fsr-3358	439	13	process	process	NOUN
fsr-3358	439	14	framework	framework	NOUN
fsr-3358	439	15	.	.	PUNCT
fsr-3358	440	1	european	european	ADJ
fsr-3358	440	2	journal	journal	PROPN
fsr-3358	440	3	of	of	ADP
fsr-3358	440	4	operational	operational	ADJ
fsr-3358	440	5	research	research	NOUN
fsr-3358	440	6	,	,	PUNCT
fsr-3358	440	7	290(1	290(1	NUM
fsr-3358	440	8	)	)	PUNCT
fsr-3358	440	9	,	,	PUNCT
fsr-3358	440	10	177195	177195	NUM
fsr-3358	440	11	.	.	PUNCT
fsr-3358	441	1	baldwin	baldwin	PROPN
fsr-3358	441	2	,	,	PUNCT
fsr-3358	441	3	r.	r.	PROPN
fsr-3358	441	4	d.	d.	PROPN
fsr-3358	441	5	(	(	PUNCT
fsr-3358	441	6	2022	2022	NUM
fsr-3358	441	7	)	)	PUNCT
fsr-3358	441	8	.	.	PUNCT
fsr-3358	442	1	the	the	DET
fsr-3358	442	2	evolving	evolve	VERB
fsr-3358	442	3	wealth	wealth	NOUN
fsr-3358	442	4	of	of	ADP
fsr-3358	442	5	canadians	canadian	NOUN
fsr-3358	442	6	:	:	PUNCT
fsr-3358	442	7	who	who	PRON
fsr-3358	442	8	is	be	AUX
fsr-3358	442	9	better	well	ADV
fsr-3358	442	10	fixed	fix	VERB
fsr-3358	442	11	for	for	ADP
fsr-3358	442	12	retirement	retirement	NOUN
fsr-3358	442	13	?	?	PUNCT
fsr-3358	443	1	who	who	PRON
fsr-3358	443	2	is	be	AUX
fsr-3358	443	3	not	not	PART
fsr-3358	443	4	?	?	PUNCT
fsr-3358	443	5	.	.	PUNCT
fsr-3358	444	1	who	who	PRON
fsr-3358	444	2	is	be	AUX
fsr-3358	444	3	not	not	PART
fsr-3358	444	4	.	.	PUNCT
fsr-3358	445	1	bayraktar	bayraktar	PROPN
fsr-3358	445	2	,	,	PUNCT
fsr-3358	445	3	e.	e.	PROPN
fsr-3358	445	4	,	,	PUNCT
fsr-3358	445	5	&	&	CCONJ
fsr-3358	445	6	young	young	PROPN
fsr-3358	445	7	,	,	PUNCT
fsr-3358	445	8	v.	v.	PROPN
fsr-3358	445	9	r.	r.	PROPN
fsr-3358	445	10	(	(	PUNCT
fsr-3358	445	11	2010	2010	NUM
fsr-3358	445	12	)	)	PUNCT
fsr-3358	445	13	.	.	PUNCT
fsr-3358	446	1	optimal	optimal	ADJ
fsr-3358	446	2	investment	investment	NOUN
fsr-3358	446	3	strategy	strategy	NOUN
fsr-3358	446	4	to	to	PART
fsr-3358	446	5	minimize	minimize	VERB
fsr-3358	446	6	occupation	occupation	NOUN
fsr-3358	446	7	time	time	NOUN
fsr-3358	446	8	.	.	PUNCT
fsr-3358	447	1	annals	annal	NOUN
fsr-3358	447	2	of	of	ADP
fsr-3358	447	3	operations	operation	NOUN
fsr-3358	447	4	research	research	NOUN
fsr-3358	447	5	,	,	PUNCT
fsr-3358	447	6	176(1	176(1	NUM
fsr-3358	447	7	)	)	PUNCT
fsr-3358	447	8	,	,	PUNCT
fsr-3358	447	9	389	389	NUM
fsr-3358	447	10	-	-	SYM
fsr-3358	447	11	408	408	NUM
fsr-3358	447	12	.	.	PUNCT
fsr-3358	448	1	blake	blake	PROPN
fsr-3358	448	2	,	,	PUNCT
fsr-3358	448	3	d.	d.	PROPN
fsr-3358	448	4	,	,	PUNCT
fsr-3358	448	5	wright	wright	PROPN
fsr-3358	448	6	,	,	PUNCT
fsr-3358	448	7	d.	d.	PROPN
fsr-3358	448	8	,	,	PUNCT
fsr-3358	448	9	&	&	CCONJ
fsr-3358	448	10	zhang	zhang	PROPN
fsr-3358	448	11	,	,	PUNCT
fsr-3358	448	12	y.	y.	PROPN
fsr-3358	448	13	(	(	PUNCT
fsr-3358	448	14	2013	2013	NUM
fsr-3358	448	15	)	)	PUNCT
fsr-3358	448	16	.	.	PUNCT
fsr-3358	449	1	target	target	NOUN
fsr-3358	449	2	-	-	PUNCT
fsr-3358	449	3	driven	drive	VERB
fsr-3358	449	4	investing	investing	NOUN
fsr-3358	449	5	:	:	PUNCT
fsr-3358	449	6	optimal	optimal	ADJ
fsr-3358	449	7	investment	investment	NOUN
fsr-3358	449	8	strategies	strategy	NOUN
fsr-3358	449	9	in	in	ADP
fsr-3358	449	10	defined	define	VERB
fsr-3358	449	11	contribution	contribution	NOUN
fsr-3358	449	12	pension	pension	NOUN
fsr-3358	449	13	plans	plan	NOUN
fsr-3358	449	14	under	under	ADP
fsr-3358	449	15	loss	loss	NOUN
fsr-3358	449	16	aversion	aversion	NOUN
fsr-3358	449	17	.	.	PUNCT
fsr-3358	450	1	journal	journal	NOUN
fsr-3358	450	2	of	of	ADP
fsr-3358	450	3	economic	economic	ADJ
fsr-3358	450	4	dynamics	dynamic	NOUN
fsr-3358	450	5	and	and	CCONJ
fsr-3358	450	6	control	control	NOUN
fsr-3358	450	7	,	,	PUNCT
fsr-3358	450	8	37(1	37(1	NUM
fsr-3358	450	9	)	)	PUNCT
fsr-3358	450	10	,	,	PUNCT
fsr-3358	450	11	195	195	NUM
fsr-3358	450	12	-	-	SYM
fsr-3358	450	13	209	209	NUM
fsr-3358	450	14	.	.	PUNCT
fsr-3358	451	1	cagetti	cagetti	PROPN
fsr-3358	451	2	,	,	PUNCT
fsr-3358	451	3	m.	m.	NOUN
fsr-3358	451	4	(	(	PUNCT
fsr-3358	451	5	2003	2003	NUM
fsr-3358	451	6	)	)	PUNCT
fsr-3358	451	7	.	.	PUNCT
fsr-3358	452	1	wealth	wealth	NOUN
fsr-3358	452	2	accumulation	accumulation	NOUN
fsr-3358	452	3	over	over	ADP
fsr-3358	452	4	the	the	DET
fsr-3358	452	5	life	life	NOUN
fsr-3358	452	6	cycle	cycle	NOUN
fsr-3358	452	7	and	and	CCONJ
fsr-3358	452	8	precautionary	precautionary	ADJ
fsr-3358	452	9	savings	saving	NOUN
fsr-3358	452	10	.	.	PUNCT
fsr-3358	453	1	journal	journal	PROPN
fsr-3358	453	2	of	of	ADP
fsr-3358	453	3	business	business	PROPN
fsr-3358	453	4	&	&	CCONJ
fsr-3358	453	5	economic	economic	ADJ
fsr-3358	453	6	statistics	statistic	NOUN
fsr-3358	453	7	,	,	PUNCT
fsr-3358	453	8	21(3	21(3	NOUN
fsr-3358	453	9	)	)	PUNCT
fsr-3358	453	10	,	,	PUNCT
fsr-3358	453	11	339	339	NUM
fsr-3358	453	12	-	-	SYM
fsr-3358	453	13	353	353	NUM
fsr-3358	453	14	.	.	PUNCT
fsr-3358	454	1	ülkümen	ülkümen	PROPN
fsr-3358	454	2	,	,	PUNCT
fsr-3358	454	3	g.	g.	PROPN
fsr-3358	454	4	,	,	PUNCT
fsr-3358	454	5	&	&	CCONJ
fsr-3358	454	6	cheema	cheema	PROPN
fsr-3358	454	7	,	,	PUNCT
fsr-3358	454	8	a.	a.	NOUN
fsr-3358	454	9	(	(	PUNCT
fsr-3358	454	10	2011	2011	NUM
fsr-3358	454	11	)	)	PUNCT
fsr-3358	454	12	.	.	PUNCT
fsr-3358	455	1	framing	frame	VERB
fsr-3358	455	2	goals	goal	NOUN
fsr-3358	455	3	to	to	PART
fsr-3358	455	4	influence	influence	VERB
fsr-3358	455	5	personal	personal	ADJ
fsr-3358	455	6	savings	saving	NOUN
fsr-3358	455	7	:	:	PUNCT
fsr-3358	455	8	the	the	DET
fsr-3358	455	9	role	role	NOUN
fsr-3358	455	10	of	of	ADP
fsr-3358	455	11	specificity	specificity	NOUN
fsr-3358	455	12	and	and	CCONJ
fsr-3358	455	13	construal	construal	ADJ
fsr-3358	455	14	level	level	NOUN
fsr-3358	455	15	.	.	PUNCT
fsr-3358	456	1	journal	journal	NOUN
fsr-3358	456	2	of	of	ADP
fsr-3358	456	3	marketing	marketing	NOUN
fsr-3358	456	4	research	research	NOUN
fsr-3358	456	5	,	,	PUNCT
fsr-3358	456	6	48(6	48(6	NOUN
fsr-3358	456	7	)	)	PUNCT
fsr-3358	456	8	,	,	PUNCT
fsr-3358	456	9	958	958	NUM
fsr-3358	456	10	-	-	SYM
fsr-3358	456	11	969	969	NUM
fsr-3358	456	12	.	.	PUNCT
fsr-3358	457	1	cobb	cobb	PROPN
fsr-3358	457	2	-	-	PUNCT
fsr-3358	457	3	clark	clark	PROPN
fsr-3358	457	4	,	,	PUNCT
fsr-3358	457	5	d.	d.	PROPN
fsr-3358	457	6	a.	a.	PROPN
fsr-3358	457	7	,	,	PUNCT
fsr-3358	457	8	kassenboehmer	kassenboehmer	PROPN
fsr-3358	457	9	,	,	PUNCT
fsr-3358	457	10	s.	s.	PROPN
fsr-3358	457	11	c.	c.	PROPN
fsr-3358	457	12	,	,	PUNCT
fsr-3358	457	13	&	&	CCONJ
fsr-3358	457	14	sinning	sinning	NOUN
fsr-3358	457	15	,	,	PUNCT
fsr-3358	457	16	m.	m.	NOUN
fsr-3358	457	17	g.	g.	PROPN
fsr-3358	457	18	(	(	PUNCT
fsr-3358	457	19	2016	2016	NUM
fsr-3358	457	20	)	)	PUNCT
fsr-3358	457	21	.	.	PUNCT
fsr-3358	458	1	locus	locus	NOUN
fsr-3358	458	2	of	of	ADP
fsr-3358	458	3	control	control	NOUN
fsr-3358	458	4	and	and	CCONJ
fsr-3358	458	5	savings	saving	NOUN
fsr-3358	458	6	.	.	PUNCT
fsr-3358	459	1	journal	journal	PROPN
fsr-3358	459	2	of	of	ADP
fsr-3358	459	3	banking	banking	NOUN
fsr-3358	459	4	&	&	CCONJ
fsr-3358	459	5	finance	finance	NOUN
fsr-3358	459	6	,	,	PUNCT
fsr-3358	459	7	73(c	73(c	NUM
fsr-3358	459	8	)	)	PUNCT
fsr-3358	459	9	,	,	PUNCT
fsr-3358	459	10	113	113	NUM
fsr-3358	459	11	-	-	SYM
fsr-3358	459	12	130	130	NUM
fsr-3358	459	13	.	.	PUNCT
fsr-3358	460	1	cruz	cruz	PROPN
fsr-3358	460	2	,	,	PUNCT
fsr-3358	460	3	m.	m.	NOUN
fsr-3358	460	4	,	,	PUNCT
fsr-3358	460	5	&	&	CCONJ
fsr-3358	460	6	ahmed	ahmed	PROPN
fsr-3358	460	7	,	,	PUNCT
fsr-3358	460	8	s.	s.	PROPN
fsr-3358	460	9	(	(	PUNCT
fsr-3358	460	10	2016	2016	NUM
fsr-3358	460	11	)	)	PUNCT
fsr-3358	460	12	.	.	PUNCT
fsr-3358	461	1	on	on	ADP
fsr-3358	461	2	the	the	DET
fsr-3358	461	3	impact	impact	NOUN
fsr-3358	461	4	of	of	ADP
fsr-3358	461	5	demographic	demographic	ADJ
fsr-3358	461	6	change	change	NOUN
fsr-3358	461	7	on	on	ADP
fsr-3358	461	8	growth	growth	NOUN
fsr-3358	461	9	,	,	PUNCT
fsr-3358	461	10	savings	saving	NOUN
fsr-3358	461	11	,	,	PUNCT
fsr-3358	461	12	and	and	CCONJ
fsr-3358	461	13	poverty	poverty	NOUN
fsr-3358	461	14	.	.	PUNCT
fsr-3358	462	1	world	world	PROPN
fsr-3358	462	2	bank	bank	PROPN
fsr-3358	462	3	policy	policy	PROPN
fsr-3358	462	4	research	research	NOUN
fsr-3358	462	5	working	working	NOUN
fsr-3358	462	6	paper	paper	NOUN
fsr-3358	462	7	,	,	PUNCT
fsr-3358	462	8	(	(	PUNCT
fsr-3358	462	9	7805	7805	NUM
fsr-3358	462	10	)	)	PUNCT
fsr-3358	462	11	.	.	PUNCT
fsr-3358	463	1	d’urso	d’urso	PROPN
fsr-3358	463	2	,	,	PUNCT
fsr-3358	463	3	p.	p.	PROPN
fsr-3358	463	4	,	,	PUNCT
fsr-3358	463	5	cappelli	cappelli	PROPN
fsr-3358	463	6	,	,	PUNCT
fsr-3358	463	7	c.	c.	PROPN
fsr-3358	463	8	,	,	PUNCT
fsr-3358	463	9	di	di	PROPN
fsr-3358	463	10	lallo	lallo	PROPN
fsr-3358	463	11	,	,	PUNCT
fsr-3358	463	12	d.	d.	PROPN
fsr-3358	463	13	,	,	PUNCT
fsr-3358	463	14	&	&	CCONJ
fsr-3358	463	15	massari	massari	PROPN
fsr-3358	463	16	,	,	PUNCT
fsr-3358	463	17	r.	r.	PROPN
fsr-3358	463	18	(	(	PUNCT
fsr-3358	463	19	2013	2013	NUM
fsr-3358	463	20	)	)	PUNCT
fsr-3358	463	21	.	.	PUNCT
fsr-3358	464	1	clustering	cluster	VERB
fsr-3358	464	2	of	of	ADP
fsr-3358	464	3	financial	financial	ADJ
fsr-3358	464	4	time	time	NOUN
fsr-3358	464	5	series	series	PROPN
fsr-3358	464	6	.	.	PUNCT
fsr-3358	465	1	physica	physica	PROPN
fsr-3358	465	2	a	a	DET
fsr-3358	465	3	:	:	PUNCT
fsr-3358	465	4	statistical	statistical	ADJ
fsr-3358	465	5	mechanics	mechanic	NOUN
fsr-3358	465	6	and	and	CCONJ
fsr-3358	465	7	its	its	PRON
fsr-3358	465	8	applications	application	NOUN
fsr-3358	465	9	,	,	PUNCT
fsr-3358	465	10	392(9	392(9	NUM
fsr-3358	465	11	)	)	PUNCT
fsr-3358	465	12	,	,	PUNCT
fsr-3358	465	13	2114	2114	NUM
fsr-3358	465	14	-	-	SYM
fsr-3358	465	15	2129	2129	NUM
fsr-3358	465	16	.	.	PUNCT
fsr-3358	466	1	dholakia	dholakia	NOUN
fsr-3358	466	2	,	,	PUNCT
fsr-3358	466	3	u.	u.	PROPN
fsr-3358	466	4	,	,	PUNCT
fsr-3358	466	5	tam	tam	PROPN
fsr-3358	466	6	,	,	PUNCT
fsr-3358	466	7	l.	l.	PROPN
fsr-3358	466	8	,	,	PUNCT
fsr-3358	466	9	yoon	yoon	PROPN
fsr-3358	466	10	,	,	PUNCT
fsr-3358	466	11	s.	s.	PROPN
fsr-3358	466	12	,	,	PUNCT
fsr-3358	466	13	&	&	CCONJ
fsr-3358	466	14	wong	wong	PROPN
fsr-3358	466	15	,	,	PUNCT
fsr-3358	466	16	n.	n.	PROPN
fsr-3358	466	17	(	(	PUNCT
fsr-3358	466	18	2016	2016	NUM
fsr-3358	466	19	)	)	PUNCT
fsr-3358	466	20	.	.	PUNCT
fsr-3358	467	1	the	the	DET
fsr-3358	467	2	ant	ant	NOUN
fsr-3358	467	3	and	and	CCONJ
fsr-3358	467	4	the	the	DET
fsr-3358	467	5	grasshopper	grasshopper	NOUN
fsr-3358	467	6	:	:	PUNCT
fsr-3358	467	7	understanding	understand	VERB
fsr-3358	467	8	personal	personal	ADJ
fsr-3358	467	9	saving	saving	NOUN
fsr-3358	467	10	orientation	orientation	NOUN
fsr-3358	467	11	of	of	ADP
fsr-3358	467	12	consumers	consumer	NOUN
fsr-3358	467	13	.	.	PUNCT
fsr-3358	468	1	journal	journal	NOUN
fsr-3358	468	2	of	of	ADP
fsr-3358	468	3	consumer	consumer	NOUN
fsr-3358	468	4	research	research	NOUN
fsr-3358	468	5	,	,	PUNCT
fsr-3358	468	6	43(1	43(1	NOUN
fsr-3358	468	7	)	)	PUNCT
fsr-3358	468	8	,	,	PUNCT
fsr-3358	468	9	134	134	NUM
fsr-3358	468	10	-	-	SYM
fsr-3358	468	11	155	155	NUM
fsr-3358	468	12	.	.	PUNCT
fsr-3358	469	1	donepudi	donepudi	PROPN
fsr-3358	469	2	,	,	PUNCT
fsr-3358	469	3	p.	p.	PROPN
fsr-3358	469	4	k.	k.	PROPN
fsr-3358	470	1	(	(	PUNCT
fsr-3358	470	2	2019	2019	NUM
fsr-3358	470	3	)	)	PUNCT
fsr-3358	470	4	.	.	PUNCT
fsr-3358	471	1	automation	automation	NOUN
fsr-3358	471	2	and	and	CCONJ
fsr-3358	471	3	machine	machine	NOUN
fsr-3358	471	4	learning	learn	VERB
fsr-3358	471	5	in	in	ADP
fsr-3358	471	6	transforming	transform	VERB
fsr-3358	471	7	the	the	DET
fsr-3358	471	8	financial	financial	ADJ
fsr-3358	471	9	industry	industry	NOUN
fsr-3358	471	10	.	.	PUNCT
fsr-3358	472	1	asian	asian	ADJ
fsr-3358	472	2	business	business	PROPN
fsr-3358	472	3	review	review	PROPN
fsr-3358	472	4	,	,	PUNCT
fsr-3358	472	5	9(3	9(3	NUM
fsr-3358	472	6	)	)	PUNCT
fsr-3358	472	7	,	,	PUNCT
fsr-3358	472	8	129	129	NUM
fsr-3358	472	9	-	-	SYM
fsr-3358	472	10	138	138	NUM
fsr-3358	472	11	.	.	PUNCT
fsr-3358	473	1	dose	dose	PROPN
fsr-3358	473	2	,	,	PUNCT
fsr-3358	473	3	c.	c.	PROPN
fsr-3358	473	4	,	,	PUNCT
fsr-3358	473	5	&	&	CCONJ
fsr-3358	473	6	cincotti	cincotti	PROPN
fsr-3358	473	7	,	,	PUNCT
fsr-3358	473	8	s.	s.	PROPN
fsr-3358	473	9	(	(	PUNCT
fsr-3358	473	10	2005	2005	NUM
fsr-3358	473	11	)	)	PUNCT
fsr-3358	473	12	.	.	PUNCT
fsr-3358	474	1	clustering	cluster	VERB
fsr-3358	474	2	of	of	ADP
fsr-3358	474	3	financial	financial	ADJ
fsr-3358	474	4	time	time	NOUN
fsr-3358	474	5	series	series	NOUN
fsr-3358	474	6	with	with	ADP
fsr-3358	474	7	application	application	NOUN
fsr-3358	474	8	to	to	ADP
fsr-3358	474	9	index	index	NOUN
fsr-3358	474	10	and	and	CCONJ
fsr-3358	474	11	enhanced	enhance	VERB
fsr-3358	474	12	index	index	NOUN
fsr-3358	474	13	tracking	tracking	NOUN
fsr-3358	474	14	portfolio	portfolio	NOUN
fsr-3358	474	15	.	.	PUNCT
fsr-3358	475	1	physica	physica	VERB
fsr-3358	475	2	a	a	DET
fsr-3358	475	3	:	:	PUNCT
fsr-3358	475	4	statistical	statistical	ADJ
fsr-3358	475	5	financial	financial	ADJ
fsr-3358	475	6	services	service	NOUN
fsr-3358	475	7	review	review	NOUN
fsr-3358	475	8	,	,	PUNCT
fsr-3358	475	9	32(2	32(2	NUM
fsr-3358	475	10	)	)	PUNCT
fsr-3358	475	11	26	26	NUM
fsr-3358	475	12	mechanics	mechanic	NOUN
fsr-3358	475	13	and	and	CCONJ
fsr-3358	475	14	its	its	PRON
fsr-3358	475	15	applications	application	NOUN
fsr-3358	475	16	,	,	PUNCT
fsr-3358	475	17	355(1	355(1	NUM
fsr-3358	475	18	)	)	PUNCT
fsr-3358	475	19	,	,	PUNCT
fsr-3358	475	20	145	145	NUM
fsr-3358	475	21	-	-	SYM
fsr-3358	475	22	151	151	NUM
fsr-3358	475	23	.	.	PUNCT
fsr-3358	476	1	dynan	dynan	PROPN
fsr-3358	476	2	,	,	PUNCT
fsr-3358	476	3	k.	k.	PROPN
fsr-3358	476	4	e.	e.	PROPN
fsr-3358	476	5	,	,	PUNCT
fsr-3358	476	6	skinner	skinner	PROPN
fsr-3358	476	7	,	,	PUNCT
fsr-3358	476	8	j.	j.	PROPN
fsr-3358	476	9	,	,	PUNCT
fsr-3358	476	10	&	&	CCONJ
fsr-3358	476	11	zeldes	zelde	NOUN
fsr-3358	476	12	,	,	PUNCT
fsr-3358	476	13	s.	s.	PROPN
fsr-3358	476	14	p.	p.	PROPN
fsr-3358	476	15	(	(	PUNCT
fsr-3358	476	16	2004	2004	NUM
fsr-3358	476	17	)	)	PUNCT
fsr-3358	476	18	.	.	PUNCT
fsr-3358	477	1	do	do	AUX
fsr-3358	477	2	the	the	DET
fsr-3358	477	3	rich	rich	ADJ
fsr-3358	477	4	save	save	VERB
fsr-3358	477	5	more	more	ADJ
fsr-3358	477	6	?	?	PUNCT
fsr-3358	477	7	.	.	PUNCT
fsr-3358	478	1	journal	journal	PROPN
fsr-3358	478	2	of	of	ADP
fsr-3358	478	3	political	political	ADJ
fsr-3358	478	4	economy	economy	NOUN
fsr-3358	478	5	,	,	PUNCT
fsr-3358	478	6	112(2	112(2	NUM
fsr-3358	478	7	)	)	PUNCT
fsr-3358	478	8	,	,	PUNCT
fsr-3358	478	9	397	397	NUM
fsr-3358	478	10	-	-	SYM
fsr-3358	478	11	444	444	NUM
fsr-3358	478	12	.	.	PUNCT
fsr-3358	479	1	emerson	emerson	PROPN
fsr-3358	479	2	,	,	PUNCT
fsr-3358	479	3	s.	s.	PROPN
fsr-3358	479	4	,	,	PUNCT
fsr-3358	479	5	kennedy	kennedy	PROPN
fsr-3358	479	6	,	,	PUNCT
fsr-3358	479	7	r.	r.	PROPN
fsr-3358	479	8	,	,	PUNCT
fsr-3358	479	9	o'shea	o'shea	PROPN
fsr-3358	479	10	,	,	PUNCT
fsr-3358	479	11	l.	l.	PROPN
fsr-3358	479	12	,	,	PUNCT
fsr-3358	479	13	&	&	CCONJ
fsr-3358	479	14	o'brien	o'brien	PROPN
fsr-3358	479	15	,	,	PUNCT
fsr-3358	479	16	j.	j.	PROPN
fsr-3358	479	17	(	(	PUNCT
fsr-3358	479	18	2019	2019	NUM
fsr-3358	479	19	,	,	PUNCT
fsr-3358	479	20	may	may	AUX
fsr-3358	479	21	)	)	PUNCT
fsr-3358	479	22	.	.	PUNCT
fsr-3358	480	1	trends	trend	NOUN
fsr-3358	480	2	and	and	CCONJ
fsr-3358	480	3	applications	application	NOUN
fsr-3358	480	4	of	of	ADP
fsr-3358	480	5	machine	machine	NOUN
fsr-3358	480	6	learning	learn	VERB
fsr-3358	480	7	in	in	ADP
fsr-3358	480	8	quantitative	quantitative	ADJ
fsr-3358	480	9	finance	finance	NOUN
fsr-3358	480	10	.	.	PUNCT
fsr-3358	481	1	in	in	ADP
fsr-3358	481	2	8th	8th	ADJ
fsr-3358	481	3	international	international	ADJ
fsr-3358	481	4	conference	conference	NOUN
fsr-3358	481	5	on	on	ADP
fsr-3358	481	6	economics	economic	NOUN
fsr-3358	481	7	and	and	CCONJ
fsr-3358	481	8	finance	finance	NOUN
fsr-3358	481	9	research	research	NOUN
fsr-3358	481	10	(	(	PUNCT
fsr-3358	481	11	icefr	icefr	VERB
fsr-3358	481	12	2019	2019	NUM
fsr-3358	481	13	)	)	PUNCT
fsr-3358	481	14	.	.	PUNCT
fsr-3358	482	1	fcac	fcac	PROPN
fsr-3358	482	2	.	.	PUNCT
fsr-3358	483	1	(	(	PUNCT
fsr-3358	483	2	2021	2021	NUM
fsr-3358	483	3	)	)	PUNCT
fsr-3358	483	4	.	.	PUNCT
fsr-3358	484	1	make	make	VERB
fsr-3358	484	2	change	change	NOUN
fsr-3358	484	3	that	that	PRON
fsr-3358	484	4	counts	count	VERB
fsr-3358	484	5	:	:	PUNCT
fsr-3358	484	6	national	national	ADJ
fsr-3358	484	7	financial	financial	ADJ
fsr-3358	484	8	literacy	literacy	NOUN
fsr-3358	484	9	strategy	strategy	NOUN
fsr-3358	484	10	2021	2021	NUM
fsr-3358	484	11	-	-	SYM
fsr-3358	484	12	2026	2026	NUM
fsr-3358	484	13	.	.	PUNCT
fsr-3358	485	1	https://www.canada.ca/en/financialconsumer-agency/programs/financialliteracy/financial-literacy-strategy-20212026.html	https://www.canada.ca/en/financialconsumer-agency/programs/financialliteracy/financial-literacy-strategy-20212026.html	NOUN
fsr-3358	485	2	feiveson	feiveson	NOUN
fsr-3358	485	3	,	,	PUNCT
fsr-3358	485	4	l.	l.	PROPN
fsr-3358	485	5	,	,	PUNCT
fsr-3358	485	6	&	&	CCONJ
fsr-3358	485	7	sabelhaus	sabelhaus	PROPN
fsr-3358	485	8	,	,	PUNCT
fsr-3358	485	9	j.	j.	PROPN
fsr-3358	485	10	(	(	PUNCT
fsr-3358	485	11	2019	2019	NUM
fsr-3358	485	12	)	)	PUNCT
fsr-3358	485	13	.	.	PUNCT
fsr-3358	486	1	lifecycle	lifecycle	NOUN
fsr-3358	486	2	patterns	pattern	NOUN
fsr-3358	486	3	of	of	ADP
fsr-3358	486	4	saving	saving	NOUN
fsr-3358	486	5	and	and	CCONJ
fsr-3358	486	6	wealth	wealth	NOUN
fsr-3358	486	7	accumulation	accumulation	NOUN
fsr-3358	486	8	.	.	PUNCT
fsr-3358	487	1	fisher	fisher	PROPN
fsr-3358	487	2	,	,	PUNCT
fsr-3358	487	3	p.	p.	NOUN
fsr-3358	487	4	(	(	PUNCT
fsr-3358	487	5	2010	2010	NUM
fsr-3358	487	6	)	)	PUNCT
fsr-3358	487	7	.	.	PUNCT
fsr-3358	488	1	gender	gender	NOUN
fsr-3358	488	2	differences	difference	NOUN
fsr-3358	488	3	in	in	ADP
fsr-3358	488	4	personal	personal	ADJ
fsr-3358	488	5	saving	saving	NOUN
fsr-3358	488	6	behaviors	behavior	NOUN
fsr-3358	488	7	.	.	PUNCT
fsr-3358	489	1	journal	journal	NOUN
fsr-3358	489	2	of	of	ADP
fsr-3358	489	3	financial	financial	ADJ
fsr-3358	489	4	counseling	counseling	NOUN
fsr-3358	489	5	and	and	CCONJ
fsr-3358	489	6	planning	planning	NOUN
fsr-3358	489	7	,	,	PUNCT
fsr-3358	489	8	21(1	21(1	NUM
fsr-3358	489	9	)	)	PUNCT
fsr-3358	489	10	.	.	PUNCT
fsr-3358	490	1	foerster	foerster	PROPN
fsr-3358	490	2	,	,	PUNCT
fsr-3358	490	3	s.	s.	PROPN
fsr-3358	490	4	,	,	PUNCT
fsr-3358	490	5	linnainmaa	linnainmaa	PROPN
fsr-3358	490	6	,	,	PUNCT
fsr-3358	490	7	j.	j.	PROPN
fsr-3358	490	8	t.	t.	PROPN
fsr-3358	490	9	,	,	PUNCT
fsr-3358	490	10	melzer	melzer	PROPN
fsr-3358	490	11	,	,	PUNCT
fsr-3358	490	12	b.	b.	PROPN
fsr-3358	490	13	t.	t.	PROPN
fsr-3358	490	14	,	,	PUNCT
fsr-3358	490	15	&	&	CCONJ
fsr-3358	490	16	previtero	previtero	PROPN
fsr-3358	490	17	,	,	PUNCT
fsr-3358	490	18	a.	a.	NOUN
fsr-3358	490	19	(	(	PUNCT
fsr-3358	490	20	2017	2017	NUM
fsr-3358	490	21	)	)	PUNCT
fsr-3358	490	22	.	.	PUNCT
fsr-3358	491	1	retail	retail	ADJ
fsr-3358	491	2	financial	financial	ADJ
fsr-3358	491	3	advice	advice	NOUN
fsr-3358	491	4	:	:	PUNCT
fsr-3358	491	5	does	do	AUX
fsr-3358	491	6	one	one	NUM
fsr-3358	491	7	size	size	NOUN
fsr-3358	491	8	fit	fit	VERB
fsr-3358	491	9	all	all	PRON
fsr-3358	491	10	?	?	PUNCT
fsr-3358	491	11	.	.	PUNCT
fsr-3358	492	1	the	the	DET
fsr-3358	492	2	journal	journal	PROPN
fsr-3358	492	3	of	of	ADP
fsr-3358	492	4	finance	finance	NOUN
fsr-3358	492	5	,	,	PUNCT
fsr-3358	492	6	72(4	72(4	NUM
fsr-3358	492	7	)	)	PUNCT
fsr-3358	492	8	,	,	PUNCT
fsr-3358	492	9	1441	1441	NUM
fsr-3358	492	10	-	-	SYM
fsr-3358	492	11	1482	1482	NUM
fsr-3358	492	12	.	.	PUNCT
fsr-3358	493	1	gale	gale	PROPN
fsr-3358	493	2	,	,	PUNCT
fsr-3358	493	3	w.	w.	PROPN
fsr-3358	493	4	g.	g.	PROPN
fsr-3358	493	5	,	,	PUNCT
fsr-3358	493	6	iwry	iwry	NOUN
fsr-3358	493	7	,	,	PUNCT
fsr-3358	493	8	j.	j.	PROPN
fsr-3358	493	9	m.	m.	PROPN
fsr-3358	493	10	,	,	PUNCT
fsr-3358	493	11	&	&	CCONJ
fsr-3358	493	12	orszag	orszag	PROPN
fsr-3358	493	13	,	,	PUNCT
fsr-3358	493	14	p.	p.	PROPN
fsr-3358	493	15	r.	r.	PROPN
fsr-3358	493	16	(	(	PUNCT
fsr-3358	493	17	2005	2005	NUM
fsr-3358	493	18	)	)	PUNCT
fsr-3358	493	19	.	.	PUNCT
fsr-3358	494	1	the	the	DET
fsr-3358	494	2	automatic	automatic	ADJ
fsr-3358	494	3	401	401	NUM
fsr-3358	494	4	(	(	PUNCT
fsr-3358	494	5	k	k	NOUN
fsr-3358	494	6	):	):	PUNCT
fsr-3358	494	7	a	a	DET
fsr-3358	494	8	simple	simple	ADJ
fsr-3358	494	9	way	way	NOUN
fsr-3358	494	10	to	to	PART
fsr-3358	494	11	strengthen	strengthen	VERB
fsr-3358	494	12	retirement	retirement	NOUN
fsr-3358	494	13	savings	saving	NOUN
fsr-3358	494	14	(	(	PUNCT
fsr-3358	494	15	pp	pp	ADJ
fsr-3358	494	16	.	.	PUNCT
fsr-3358	495	1	2006	2006	NUM
fsr-3358	495	2	-	-	SYM
fsr-3358	495	3	1	1	NUM
fsr-3358	495	4	)	)	PUNCT
fsr-3358	495	5	.	.	PUNCT
fsr-3358	496	1	retirement	retirement	NOUN
fsr-3358	496	2	security	security	NOUN
fsr-3358	496	3	project	project	NOUN
fsr-3358	496	4	.	.	PUNCT
fsr-3358	497	1	hartman	hartman	PROPN
fsr-3358	497	2	,	,	PUNCT
fsr-3358	497	3	j.	j.	PROPN
fsr-3358	497	4	c.	c.	PROPN
fsr-3358	497	5	,	,	PUNCT
fsr-3358	497	6	&	&	CCONJ
fsr-3358	497	7	schafrick	schafrick	PROPN
fsr-3358	497	8	,	,	PUNCT
fsr-3358	497	9	i.	i.	PROPN
fsr-3358	497	10	c.	c.	PROPN
fsr-3358	497	11	(	(	PUNCT
fsr-3358	497	12	2004	2004	NUM
fsr-3358	497	13	)	)	PUNCT
fsr-3358	497	14	.	.	PUNCT
fsr-3358	498	1	the	the	DET
fsr-3358	498	2	relevant	relevant	ADJ
fsr-3358	498	3	internal	internal	ADJ
fsr-3358	498	4	rate	rate	NOUN
fsr-3358	498	5	of	of	ADP
fsr-3358	498	6	return	return	NOUN
fsr-3358	498	7	.	.	PUNCT
fsr-3358	499	1	the	the	DET
fsr-3358	499	2	engineering	engineering	NOUN
fsr-3358	499	3	economist	economist	NOUN
fsr-3358	499	4	,	,	PUNCT
fsr-3358	499	5	49(2	49(2	NUM
fsr-3358	499	6	)	)	PUNCT
fsr-3358	499	7	,	,	PUNCT
fsr-3358	499	8	139	139	NUM
fsr-3358	499	9	-	-	SYM
fsr-3358	499	10	158	158	NUM
fsr-3358	499	11	.	.	PUNCT
fsr-3358	499	12	hall	hall	PROPN
fsr-3358	499	13	,	,	PUNCT
fsr-3358	499	14	c.	c.	PROPN
fsr-3358	499	15	c.	c.	PROPN
fsr-3358	499	16	(	(	PUNCT
fsr-3358	499	17	2021	2021	NUM
fsr-3358	499	18	)	)	PUNCT
fsr-3358	499	19	.	.	PUNCT
fsr-3358	500	1	promoting	promote	VERB
fsr-3358	500	2	savings	saving	NOUN
fsr-3358	500	3	for	for	ADP
fsr-3358	500	4	financial	financial	ADJ
fsr-3358	500	5	resilience	resilience	NOUN
fsr-3358	500	6	:	:	PUNCT
fsr-3358	500	7	expanding	expand	VERB
fsr-3358	500	8	the	the	DET
fsr-3358	500	9	psychological	psychological	ADJ
fsr-3358	500	10	perspective	perspective	NOUN
fsr-3358	500	11	.	.	PUNCT
fsr-3358	501	1	current	current	ADJ
fsr-3358	501	2	directions	direction	NOUN
fsr-3358	501	3	in	in	ADP
fsr-3358	501	4	psychological	psychological	ADJ
fsr-3358	501	5	science	science	NOUN
fsr-3358	501	6	,	,	PUNCT
fsr-3358	501	7	30(1	30(1	NUM
fsr-3358	501	8	)	)	PUNCT
fsr-3358	501	9	,	,	PUNCT
fsr-3358	501	10	49	49	NUM
fsr-3358	501	11	-	-	SYM
fsr-3358	501	12	54	54	NUM
fsr-3358	501	13	.	.	PUNCT
fsr-3358	502	1	henrique	henrique	PROPN
fsr-3358	502	2	,	,	PUNCT
fsr-3358	502	3	b.	b.	PROPN
fsr-3358	502	4	m.	m.	PROPN
fsr-3358	502	5	,	,	PUNCT
fsr-3358	502	6	sobreiro	sobreiro	PROPN
fsr-3358	502	7	,	,	PUNCT
fsr-3358	502	8	v.	v.	PROPN
fsr-3358	502	9	a.	a.	PROPN
fsr-3358	502	10	,	,	PUNCT
fsr-3358	502	11	&	&	CCONJ
fsr-3358	502	12	kimura	kimura	PROPN
fsr-3358	502	13	,	,	PUNCT
fsr-3358	502	14	h.	h.	PROPN
fsr-3358	502	15	(	(	PUNCT
fsr-3358	502	16	2019	2019	NUM
fsr-3358	502	17	)	)	PUNCT
fsr-3358	502	18	.	.	PUNCT
fsr-3358	503	1	literature	literature	PROPN
fsr-3358	503	2	review	review	PROPN
fsr-3358	503	3	:	:	PUNCT
fsr-3358	503	4	machine	machine	NOUN
fsr-3358	503	5	learning	learn	VERB
fsr-3358	503	6	techniques	technique	NOUN
fsr-3358	503	7	applied	apply	VERB
fsr-3358	503	8	to	to	ADP
fsr-3358	503	9	financial	financial	ADJ
fsr-3358	503	10	market	market	NOUN
fsr-3358	503	11	prediction	prediction	NOUN
fsr-3358	503	12	.	.	PUNCT
fsr-3358	504	1	expert	expert	NOUN
fsr-3358	504	2	systems	system	NOUN
fsr-3358	504	3	with	with	ADP
fsr-3358	504	4	applications	application	NOUN
fsr-3358	504	5	,	,	PUNCT
fsr-3358	504	6	124	124	NUM
fsr-3358	504	7	,	,	PUNCT
fsr-3358	504	8	226	226	NUM
fsr-3358	504	9	-	-	SYM
fsr-3358	504	10	251	251	NUM
fsr-3358	504	11	.	.	PUNCT
fsr-3358	505	1	hershfield	hershfield	PROPN
fsr-3358	505	2	,	,	PUNCT
fsr-3358	505	3	h.	h.	PROPN
fsr-3358	505	4	e.	e.	PROPN
fsr-3358	505	5	,	,	PUNCT
fsr-3358	505	6	goldstein	goldstein	PROPN
fsr-3358	505	7	,	,	PUNCT
fsr-3358	505	8	d.	d.	PROPN
fsr-3358	505	9	g.	g.	PROPN
fsr-3358	505	10	,	,	PUNCT
fsr-3358	505	11	sharpe	sharpe	PROPN
fsr-3358	505	12	,	,	PUNCT
fsr-3358	505	13	w.	w.	PROPN
fsr-3358	505	14	f.	f.	PROPN
fsr-3358	505	15	,	,	PUNCT
fsr-3358	505	16	fox	fox	PROPN
fsr-3358	505	17	,	,	PUNCT
fsr-3358	505	18	j.	j.	PROPN
fsr-3358	505	19	,	,	PUNCT
fsr-3358	505	20	yeykelis	yeykelis	PROPN
fsr-3358	505	21	,	,	PUNCT
fsr-3358	505	22	l.	l.	PROPN
fsr-3358	505	23	,	,	PUNCT
fsr-3358	505	24	carstensen	carstensen	NOUN
fsr-3358	505	25	,	,	PUNCT
fsr-3358	505	26	l.	l.	PROPN
fsr-3358	505	27	l.	l.	PROPN
fsr-3358	505	28	,	,	PUNCT
fsr-3358	505	29	&	&	CCONJ
fsr-3358	505	30	bailenson	bailenson	PROPN
fsr-3358	505	31	,	,	PUNCT
fsr-3358	505	32	j.	j.	PROPN
fsr-3358	505	33	n.	n.	PROPN
fsr-3358	505	34	(	(	PUNCT
fsr-3358	505	35	2011	2011	NUM
fsr-3358	505	36	)	)	PUNCT
fsr-3358	505	37	.	.	PUNCT
fsr-3358	506	1	increasing	increase	VERB
fsr-3358	506	2	saving	save	VERB
fsr-3358	506	3	behavior	behavior	NOUN
fsr-3358	506	4	through	through	ADP
fsr-3358	506	5	age	age	NOUN
fsr-3358	506	6	-	-	PUNCT
fsr-3358	506	7	progressed	progress	VERB
fsr-3358	506	8	renderings	rendering	NOUN
fsr-3358	506	9	of	of	ADP
fsr-3358	506	10	the	the	DET
fsr-3358	506	11	future	future	ADJ
fsr-3358	506	12	self	self	NOUN
fsr-3358	506	13	.	.	PUNCT
fsr-3358	506	14	journal	journal	NOUN
fsr-3358	506	15	of	of	ADP
fsr-3358	506	16	marketing	marketing	NOUN
fsr-3358	506	17	research	research	NOUN
fsr-3358	506	18	,	,	PUNCT
fsr-3358	506	19	48(spl	48(spl	NOUN
fsr-3358	506	20	)	)	PUNCT
fsr-3358	506	21	,	,	PUNCT
fsr-3358	506	22	s23	s23	NOUN
fsr-3358	506	23	-	-	PUNCT
fsr-3358	506	24	s37	s37	NOUN
fsr-3358	506	25	.	.	PUNCT
fsr-3358	507	1	huang	huang	PROPN
fsr-3358	507	2	,	,	PUNCT
fsr-3358	507	3	y.	y.	PROPN
fsr-3358	507	4	p.	p.	PROPN
fsr-3358	507	5	,	,	PUNCT
fsr-3358	507	6	&	&	CCONJ
fsr-3358	507	7	yen	yen	NOUN
fsr-3358	507	8	,	,	PUNCT
fsr-3358	507	9	m.	m.	NOUN
fsr-3358	507	10	f.	f.	PROPN
fsr-3358	507	11	(	(	PUNCT
fsr-3358	507	12	2019	2019	NUM
fsr-3358	507	13	)	)	PUNCT
fsr-3358	507	14	.	.	PUNCT
fsr-3358	508	1	a	a	DET
fsr-3358	508	2	new	new	ADJ
fsr-3358	508	3	perspective	perspective	NOUN
fsr-3358	508	4	of	of	ADP
fsr-3358	508	5	performance	performance	NOUN
fsr-3358	508	6	comparison	comparison	NOUN
fsr-3358	508	7	among	among	ADP
fsr-3358	508	8	machine	machine	NOUN
fsr-3358	508	9	learning	learn	VERB
fsr-3358	508	10	algorithms	algorithm	NOUN
fsr-3358	508	11	for	for	ADP
fsr-3358	508	12	financial	financial	ADJ
fsr-3358	508	13	distress	distress	NOUN
fsr-3358	508	14	prediction	prediction	NOUN
fsr-3358	508	15	.	.	PUNCT
fsr-3358	509	1	applied	apply	VERB
fsr-3358	509	2	soft	soft	ADJ
fsr-3358	509	3	computing	computing	NOUN
fsr-3358	509	4	,	,	PUNCT
fsr-3358	509	5	83	83	NUM
fsr-3358	509	6	,	,	PUNCT
fsr-3358	509	7	105663	105663	NUM
fsr-3358	509	8	.	.	PUNCT
fsr-3358	510	1	juster	just	ADJ
fsr-3358	510	2	,	,	PUNCT
fsr-3358	510	3	f.	f.	PROPN
fsr-3358	510	4	t.	t.	PROPN
fsr-3358	510	5	,	,	PUNCT
fsr-3358	510	6	smith	smith	PROPN
fsr-3358	510	7	,	,	PUNCT
fsr-3358	510	8	j.	j.	PROPN
fsr-3358	510	9	p.	p.	PROPN
fsr-3358	510	10	,	,	PUNCT
fsr-3358	510	11	&	&	CCONJ
fsr-3358	510	12	stafford	stafford	PROPN
fsr-3358	510	13	,	,	PUNCT
fsr-3358	510	14	f.	f.	PROPN
fsr-3358	510	15	(	(	PUNCT
fsr-3358	510	16	1999	1999	NUM
fsr-3358	510	17	)	)	PUNCT
fsr-3358	510	18	.	.	PUNCT
fsr-3358	511	1	the	the	DET
fsr-3358	511	2	measurement	measurement	NOUN
fsr-3358	511	3	and	and	CCONJ
fsr-3358	511	4	structure	structure	NOUN
fsr-3358	511	5	of	of	ADP
fsr-3358	511	6	household	household	NOUN
fsr-3358	511	7	wealth	wealth	NOUN
fsr-3358	511	8	.	.	PUNCT
fsr-3358	512	1	labour	labour	ADJ
fsr-3358	512	2	economics	economic	NOUN
fsr-3358	512	3	,	,	PUNCT
fsr-3358	512	4	6(2	6(2	NUM
fsr-3358	512	5	)	)	PUNCT
fsr-3358	512	6	,	,	PUNCT
fsr-3358	512	7	253	253	NUM
fsr-3358	512	8	-	-	SYM
fsr-3358	512	9	275	275	NUM
fsr-3358	512	10	.	.	PUNCT
fsr-3358	513	1	kahneman	kahneman	PROPN
fsr-3358	513	2	,	,	PUNCT
fsr-3358	513	3	d.	d.	PROPN
fsr-3358	513	4	(	(	PUNCT
fsr-3358	513	5	2012	2012	NUM
fsr-3358	513	6	)	)	PUNCT
fsr-3358	513	7	.	.	PUNCT
fsr-3358	514	1	the	the	DET
fsr-3358	514	2	human	human	ADJ
fsr-3358	514	3	side	side	NOUN
fsr-3358	514	4	of	of	ADP
fsr-3358	514	5	decision	decision	NOUN
fsr-3358	514	6	making	making	NOUN
fsr-3358	514	7	.	.	PUNCT
fsr-3358	515	1	journal	journal	NOUN
fsr-3358	515	2	of	of	ADP
fsr-3358	515	3	investment	investment	NOUN
fsr-3358	515	4	consulting	consulting	NOUN
fsr-3358	515	5	,	,	PUNCT
fsr-3358	515	6	13	13	NUM
fsr-3358	515	7	,	,	PUNCT
fsr-3358	515	8	9	9	NUM
fsr-3358	515	9	-	-	SYM
fsr-3358	515	10	14	14	NUM
fsr-3358	515	11	.	.	PUNCT
fsr-3358	516	1	kahneman	kahneman	PROPN
fsr-3358	516	2	,	,	PUNCT
fsr-3358	516	3	d.	d.	PROPN
fsr-3358	516	4	,	,	PUNCT
fsr-3358	516	5	&	&	CCONJ
fsr-3358	516	6	thaler	thaler	PROPN
fsr-3358	516	7	,	,	PUNCT
fsr-3358	516	8	r.	r.	PROPN
fsr-3358	516	9	h.	h.	PROPN
fsr-3358	516	10	(	(	PUNCT
fsr-3358	516	11	2006	2006	NUM
fsr-3358	516	12	)	)	PUNCT
fsr-3358	516	13	.	.	PUNCT
fsr-3358	517	1	anomalies	anomaly	NOUN
fsr-3358	517	2	:	:	PUNCT
fsr-3358	517	3	utility	utility	NOUN
fsr-3358	517	4	maximization	maximization	NOUN
fsr-3358	517	5	and	and	CCONJ
fsr-3358	517	6	experienced	experienced	ADJ
fsr-3358	517	7	utility	utility	NOUN
fsr-3358	517	8	.	.	PUNCT
fsr-3358	518	1	journal	journal	NOUN
fsr-3358	518	2	of	of	ADP
fsr-3358	518	3	economic	economic	ADJ
fsr-3358	518	4	perspectives	perspective	NOUN
fsr-3358	518	5	,	,	PUNCT
fsr-3358	518	6	20(1	20(1	NUM
fsr-3358	518	7	)	)	PUNCT
fsr-3358	518	8	,	,	PUNCT
fsr-3358	518	9	221	221	NUM
fsr-3358	518	10	-	-	SYM
fsr-3358	518	11	234	234	NUM
fsr-3358	518	12	.	.	PUNCT
fsr-3358	519	1	kempson	kempson	PROPN
fsr-3358	519	2	,	,	PUNCT
fsr-3358	519	3	e.	e.	PROPN
fsr-3358	519	4	,	,	PUNCT
fsr-3358	519	5	finney	finney	PROPN
fsr-3358	519	6	,	,	PUNCT
fsr-3358	519	7	a.	a.	PROPN
fsr-3358	519	8	,	,	PUNCT
fsr-3358	519	9	&	&	CCONJ
fsr-3358	519	10	poppe	poppe	PROPN
fsr-3358	519	11	,	,	PUNCT
fsr-3358	519	12	c.	c.	PROPN
fsr-3358	519	13	(	(	PUNCT
fsr-3358	519	14	2017	2017	NUM
fsr-3358	519	15	)	)	PUNCT
fsr-3358	519	16	.	.	PUNCT
fsr-3358	520	1	financial	financial	ADJ
fsr-3358	520	2	well	well	ADV
fsr-3358	520	3	-	-	PUNCT
fsr-3358	520	4	being	being	NOUN
fsr-3358	520	5	:	:	PUNCT
fsr-3358	520	6	a	a	DET
fsr-3358	520	7	conceptual	conceptual	ADJ
fsr-3358	520	8	model	model	NOUN
fsr-3358	520	9	and	and	CCONJ
fsr-3358	520	10	preliminary	preliminary	ADJ
fsr-3358	520	11	analysis	analysis	NOUN
fsr-3358	520	12	.	.	PUNCT
fsr-3358	521	1	working	work	VERB
fsr-3358	521	2	paper	paper	NOUN
fsr-3358	521	3	.	.	PUNCT
fsr-3358	522	1	https://www.researchgate.net/publicatio	https://www.researchgate.net/publicatio	X
fsr-3358	523	1	n/318852257_financial_wellbeing_a_conceptual_model_and_preli	n/318852257_financial_wellbeing_a_conceptual_model_and_preli	PROPN
fsr-3358	523	2	minary_analysis?channel	minary_analysis?channel	PROPN
fsr-3358	523	3	=	=	SYM
fsr-3358	523	4	doi&linkid=	doi&linkid=	NOUN
fsr-3358	523	5	59819dd14585150575c00b54&showful	59819dd14585150575c00b54&showful	ADJ
fsr-3358	523	6	ltext	ltext	NOUN
fsr-3358	523	7	=	=	SYM
fsr-3358	523	8	true	true	ADJ
fsr-3358	523	9	kim	kim	PROPN
fsr-3358	523	10	,	,	PUNCT
fsr-3358	523	11	k.	k.	PROPN
fsr-3358	523	12	j.	j.	PROPN
fsr-3358	523	13	(	(	PUNCT
fsr-3358	523	14	2003	2003	NUM
fsr-3358	523	15	)	)	PUNCT
fsr-3358	523	16	.	.	PUNCT
fsr-3358	524	1	financial	financial	ADJ
fsr-3358	524	2	time	time	NOUN
fsr-3358	524	3	series	series	PROPN
fsr-3358	524	4	forecasting	forecasting	NOUN
fsr-3358	524	5	using	use	VERB
fsr-3358	524	6	support	support	NOUN
fsr-3358	524	7	vector	vector	NOUN
fsr-3358	524	8	machines	machine	NOUN
fsr-3358	524	9	.	.	PUNCT
fsr-3358	525	1	neurocomputing	neurocomputing	NOUN
fsr-3358	525	2	,	,	PUNCT
fsr-3358	525	3	55(1	55(1	NOUN
fsr-3358	525	4	-	-	SYM
fsr-3358	525	5	2	2	NUM
fsr-3358	525	6	)	)	PUNCT
fsr-3358	525	7	,	,	PUNCT
fsr-3358	525	8	307	307	NUM
fsr-3358	525	9	-	-	SYM
fsr-3358	525	10	319	319	NUM
fsr-3358	525	11	.	.	PUNCT
fsr-3358	526	1	kou	kou	PROPN
fsr-3358	526	2	,	,	PUNCT
fsr-3358	526	3	g.	g.	PROPN
fsr-3358	526	4	,	,	PUNCT
fsr-3358	526	5	peng	peng	PROPN
fsr-3358	526	6	,	,	PUNCT
fsr-3358	526	7	y.	y.	PROPN
fsr-3358	526	8	,	,	PUNCT
fsr-3358	526	9	&	&	CCONJ
fsr-3358	526	10	wang	wang	PROPN
fsr-3358	526	11	,	,	PUNCT
fsr-3358	526	12	g.	g.	PROPN
fsr-3358	526	13	(	(	PUNCT
fsr-3358	526	14	2014	2014	NUM
fsr-3358	526	15	)	)	PUNCT
fsr-3358	526	16	.	.	PUNCT
fsr-3358	527	1	evaluation	evaluation	NOUN
fsr-3358	527	2	of	of	ADP
fsr-3358	527	3	clustering	clustering	ADJ
fsr-3358	527	4	algorithms	algorithm	NOUN
fsr-3358	527	5	for	for	ADP
fsr-3358	527	6	financial	financial	ADJ
fsr-3358	527	7	risk	risk	NOUN
fsr-3358	527	8	analysis	analysis	NOUN
fsr-3358	527	9	using	use	VERB
fsr-3358	527	10	mcdm	mcdm	ADJ
fsr-3358	527	11	methods	method	NOUN
fsr-3358	527	12	.	.	PUNCT
fsr-3358	528	1	information	information	NOUN
fsr-3358	528	2	sciences	science	NOUN
fsr-3358	528	3	,	,	PUNCT
fsr-3358	528	4	275	275	NUM
fsr-3358	528	5	,	,	PUNCT
fsr-3358	528	6	112	112	NUM
fsr-3358	528	7	.	.	PUNCT
fsr-3358	529	1	leo	leo	PROPN
fsr-3358	529	2	,	,	PUNCT
fsr-3358	529	3	m.	m.	NOUN
fsr-3358	529	4	,	,	PUNCT
fsr-3358	529	5	sharma	sharma	PROPN
fsr-3358	529	6	,	,	PUNCT
fsr-3358	529	7	s.	s.	PROPN
fsr-3358	529	8	,	,	PUNCT
fsr-3358	529	9	&	&	CCONJ
fsr-3358	529	10	maddulety	maddulety	PROPN
fsr-3358	529	11	,	,	PUNCT
fsr-3358	529	12	k.	k.	PROPN
fsr-3358	529	13	(	(	PUNCT
fsr-3358	529	14	2019	2019	NUM
fsr-3358	529	15	)	)	PUNCT
fsr-3358	529	16	.	.	PUNCT
fsr-3358	530	1	machine	machine	NOUN
fsr-3358	530	2	learning	learn	VERB
fsr-3358	530	3	in	in	ADP
fsr-3358	530	4	banking	banking	NOUN
fsr-3358	530	5	risk	risk	NOUN
fsr-3358	530	6	management	management	NOUN
fsr-3358	530	7	:	:	PUNCT
fsr-3358	530	8	a	a	DET
fsr-3358	530	9	literature	literature	NOUN
fsr-3358	530	10	review	review	NOUN
fsr-3358	530	11	.	.	PUNCT
fsr-3358	531	1	risks	risk	NOUN
fsr-3358	531	2	,	,	PUNCT
fsr-3358	531	3	7(1	7(1	NUM
fsr-3358	531	4	)	)	PUNCT
fsr-3358	531	5	,	,	PUNCT
fsr-3358	531	6	29	29	NUM
fsr-3358	531	7	.	.	PUNCT
fsr-3358	532	1	grace	grace	NOUN
fsr-3358	532	2	et	et	PROPN
fsr-3358	532	3	al	al	PROPN
fsr-3358	532	4	.	.	PROPN
fsr-3358	532	5	27	27	NUM
fsr-3358	532	6	lim	lim	PROPN
fsr-3358	532	7	,	,	PUNCT
fsr-3358	532	8	t.	t.	PROPN
fsr-3358	532	9	,	,	PUNCT
fsr-3358	532	10	&	&	CCONJ
fsr-3358	532	11	ong	ong	PROPN
fsr-3358	532	12	,	,	PUNCT
fsr-3358	532	13	c.	c.	PROPN
fsr-3358	532	14	s.	s.	PROPN
fsr-3358	532	15	(	(	PUNCT
fsr-3358	532	16	2020	2020	NUM
fsr-3358	532	17	)	)	PUNCT
fsr-3358	532	18	.	.	PUNCT
fsr-3358	533	1	portfolio	portfolio	NOUN
fsr-3358	533	2	diversification	diversification	NOUN
fsr-3358	533	3	using	use	VERB
fsr-3358	533	4	shape	shape	NOUN
fsr-3358	533	5	-	-	PUNCT
fsr-3358	533	6	based	base	VERB
fsr-3358	533	7	clustering	clustering	NOUN
fsr-3358	533	8	.	.	PUNCT
fsr-3358	534	1	the	the	DET
fsr-3358	534	2	journal	journal	NOUN
fsr-3358	534	3	of	of	ADP
fsr-3358	534	4	financial	financial	ADJ
fsr-3358	534	5	data	datum	NOUN
fsr-3358	534	6	science	science	NOUN
fsr-3358	534	7	.	.	PUNCT
fsr-3358	535	1	lin	lin	PROPN
fsr-3358	535	2	,	,	PUNCT
fsr-3358	535	3	w.	w.	PROPN
fsr-3358	535	4	y.	y.	PROPN
fsr-3358	535	5	,	,	PUNCT
fsr-3358	535	6	hu	hu	PROPN
fsr-3358	535	7	,	,	PUNCT
fsr-3358	535	8	y.	y.	PROPN
fsr-3358	535	9	h.	h.	PROPN
fsr-3358	535	10	,	,	PUNCT
fsr-3358	535	11	&	&	CCONJ
fsr-3358	535	12	tsai	tsai	PROPN
fsr-3358	535	13	,	,	PUNCT
fsr-3358	535	14	c.	c.	PROPN
fsr-3358	535	15	f.	f.	PROPN
fsr-3358	535	16	(	(	PUNCT
fsr-3358	535	17	2011	2011	NUM
fsr-3358	535	18	)	)	PUNCT
fsr-3358	535	19	.	.	PUNCT
fsr-3358	536	1	machine	machine	NOUN
fsr-3358	536	2	learning	learn	VERB
fsr-3358	536	3	in	in	ADP
fsr-3358	536	4	financial	financial	ADJ
fsr-3358	536	5	crisis	crisis	NOUN
fsr-3358	536	6	prediction	prediction	NOUN
fsr-3358	536	7	:	:	PUNCT
fsr-3358	536	8	a	a	DET
fsr-3358	536	9	survey	survey	NOUN
fsr-3358	536	10	.	.	PUNCT
fsr-3358	537	1	ieee	ieee	NOUN
fsr-3358	537	2	transactions	transaction	NOUN
fsr-3358	537	3	on	on	ADP
fsr-3358	537	4	systems	system	NOUN
fsr-3358	537	5	,	,	PUNCT
fsr-3358	537	6	man	man	NOUN
fsr-3358	537	7	,	,	PUNCT
fsr-3358	537	8	and	and	CCONJ
fsr-3358	537	9	cybernetics	cybernetic	NOUN
fsr-3358	537	10	,	,	PUNCT
fsr-3358	537	11	part	part	NOUN
fsr-3358	537	12	c	c	PROPN
fsr-3358	537	13	(	(	PUNCT
fsr-3358	537	14	applications	application	NOUN
fsr-3358	537	15	and	and	CCONJ
fsr-3358	537	16	reviews	review	NOUN
fsr-3358	537	17	)	)	PUNCT
fsr-3358	537	18	,	,	PUNCT
fsr-3358	537	19	42(4	42(4	PROPN
fsr-3358	537	20	)	)	PUNCT
fsr-3358	537	21	,	,	PUNCT
fsr-3358	537	22	421	421	NUM
fsr-3358	537	23	-	-	SYM
fsr-3358	537	24	436	436	NUM
fsr-3358	537	25	.	.	PUNCT
fsr-3358	538	1	linnainmaa	linnainmaa	PROPN
fsr-3358	538	2	,	,	PUNCT
fsr-3358	538	3	j.	j.	PROPN
fsr-3358	538	4	t.	t.	PROPN
fsr-3358	538	5	,	,	PUNCT
fsr-3358	538	6	melzer	melzer	PROPN
fsr-3358	538	7	,	,	PUNCT
fsr-3358	538	8	b.	b.	PROPN
fsr-3358	538	9	t.	t.	PROPN
fsr-3358	538	10	,	,	PUNCT
fsr-3358	538	11	&	&	CCONJ
fsr-3358	538	12	previtero	previtero	PROPN
fsr-3358	538	13	,	,	PUNCT
fsr-3358	538	14	a.	a.	NOUN
fsr-3358	538	15	(	(	PUNCT
fsr-3358	538	16	2021	2021	NUM
fsr-3358	538	17	)	)	PUNCT
fsr-3358	538	18	.	.	PUNCT
fsr-3358	539	1	the	the	DET
fsr-3358	539	2	misguided	misguided	ADJ
fsr-3358	539	3	beliefs	belief	NOUN
fsr-3358	539	4	of	of	ADP
fsr-3358	539	5	financial	financial	ADJ
fsr-3358	539	6	advisors	advisor	NOUN
fsr-3358	539	7	.	.	PUNCT
fsr-3358	540	1	the	the	DET
fsr-3358	540	2	journal	journal	PROPN
fsr-3358	540	3	of	of	ADP
fsr-3358	540	4	finance	finance	NOUN
fsr-3358	540	5	,	,	PUNCT
fsr-3358	540	6	76(2	76(2	NUM
fsr-3358	540	7	)	)	PUNCT
fsr-3358	540	8	,	,	PUNCT
fsr-3358	540	9	587	587	NUM
fsr-3358	540	10	-	-	SYM
fsr-3358	540	11	621	621	NUM
fsr-3358	540	12	.	.	PUNCT
fsr-3358	541	1	macgee	macgee	PROPN
fsr-3358	541	2	,	,	PUNCT
fsr-3358	541	3	j.	j.	PROPN
fsr-3358	541	4	,	,	PUNCT
fsr-3358	541	5	pugh	pugh	PROPN
fsr-3358	541	6	,	,	PUNCT
fsr-3358	541	7	t.	t.	NOUN
fsr-3358	541	8	m.	m.	NOUN
fsr-3358	541	9	,	,	PUNCT
fsr-3358	541	10	&	&	CCONJ
fsr-3358	541	11	see	see	VERB
fsr-3358	541	12	,	,	PUNCT
fsr-3358	541	13	k.	k.	PROPN
fsr-3358	541	14	(	(	PUNCT
fsr-3358	541	15	2022	2022	NUM
fsr-3358	541	16	)	)	PUNCT
fsr-3358	541	17	.	.	PUNCT
fsr-3358	542	1	the	the	DET
fsr-3358	542	2	heterogeneous	heterogeneous	ADJ
fsr-3358	542	3	effects	effect	NOUN
fsr-3358	542	4	of	of	ADP
fsr-3358	542	5	covid‐19	covid‐19	PROPN
fsr-3358	542	6	on	on	ADP
fsr-3358	542	7	canadian	canadian	ADJ
fsr-3358	542	8	household	household	NOUN
fsr-3358	542	9	consumption	consumption	NOUN
fsr-3358	542	10	,	,	PUNCT
fsr-3358	542	11	debt	debt	NOUN
fsr-3358	542	12	and	and	CCONJ
fsr-3358	542	13	savings	saving	NOUN
fsr-3358	542	14	.	.	PUNCT
fsr-3358	543	1	canadian	canadian	ADJ
fsr-3358	543	2	journal	journal	PROPN
fsr-3358	543	3	of	of	ADP
fsr-3358	543	4	economics	economic	NOUN
fsr-3358	543	5	/	/	SYM
fsr-3358	543	6	revue	revue	PROPN
fsr-3358	543	7	canadienne	canadienne	PROPN
fsr-3358	543	8	d'économique	d'économique	NOUN
fsr-3358	543	9	,	,	PUNCT
fsr-3358	543	10	55	55	NUM
fsr-3358	543	11	,	,	PUNCT
fsr-3358	543	12	54	54	NUM
fsr-3358	543	13	-	-	SYM
fsr-3358	543	14	87	87	NUM
fsr-3358	543	15	.	.	PUNCT
fsr-3358	544	1	nenkov	nenkov	PROPN
fsr-3358	544	2	,	,	PUNCT
fsr-3358	544	3	g.	g.	PROPN
fsr-3358	544	4	y.	y.	PROPN
fsr-3358	544	5	,	,	PUNCT
fsr-3358	544	6	macinnis	macinnis	PROPN
fsr-3358	544	7	,	,	PUNCT
fsr-3358	544	8	d.	d.	PROPN
fsr-3358	544	9	j.	j.	PROPN
fsr-3358	544	10	,	,	PUNCT
fsr-3358	544	11	&	&	CCONJ
fsr-3358	544	12	morrin	morrin	PROPN
fsr-3358	544	13	,	,	PUNCT
fsr-3358	544	14	m.	m.	NOUN
fsr-3358	544	15	(	(	PUNCT
fsr-3358	544	16	2009	2009	NUM
fsr-3358	544	17	)	)	PUNCT
fsr-3358	544	18	.	.	PUNCT
fsr-3358	545	1	how	how	SCONJ
fsr-3358	545	2	do	do	AUX
fsr-3358	545	3	emotions	emotion	NOUN
fsr-3358	545	4	influence	influence	VERB
fsr-3358	545	5	saving	save	VERB
fsr-3358	545	6	behavior	behavior	NOUN
fsr-3358	545	7	.	.	PUNCT
fsr-3358	546	1	center	center	NOUN
fsr-3358	546	2	for	for	ADP
fsr-3358	546	3	retirement	retirement	NOUN
fsr-3358	546	4	research	research	NOUN
fsr-3358	546	5	,	,	PUNCT
fsr-3358	546	6	9(8	9(8	NUM
fsr-3358	546	7	)	)	PUNCT
fsr-3358	546	8	,	,	PUNCT
fsr-3358	546	9	1	1	NUM
fsr-3358	546	10	-	-	SYM
fsr-3358	546	11	11	11	NUM
fsr-3358	546	12	.	.	PUNCT
fsr-3358	547	1	markowitz	markowitz	PROPN
fsr-3358	547	2	,	,	PUNCT
fsr-3358	547	3	h.	h.	PROPN
fsr-3358	547	4	m.	m.	PROPN
fsr-3358	547	5	(	(	PUNCT
fsr-3358	547	6	1991	1991	NUM
fsr-3358	547	7	)	)	PUNCT
fsr-3358	547	8	.	.	PUNCT
fsr-3358	548	1	foundations	foundation	NOUN
fsr-3358	548	2	of	of	ADP
fsr-3358	548	3	portfolio	portfolio	NOUN
fsr-3358	548	4	theory	theory	NOUN
fsr-3358	548	5	.	.	PUNCT
fsr-3358	549	1	the	the	DET
fsr-3358	549	2	journal	journal	PROPN
fsr-3358	549	3	of	of	ADP
fsr-3358	549	4	finance	finance	NOUN
fsr-3358	549	5	,	,	PUNCT
fsr-3358	549	6	46(2	46(2	NOUN
fsr-3358	549	7	)	)	PUNCT
fsr-3358	549	8	,	,	PUNCT
fsr-3358	549	9	469	469	PROPN
fsr-3358	549	10	-	-	SYM
fsr-3358	549	11	477	477	NUM
fsr-3358	549	12	.	.	PUNCT
fsr-3358	550	1	markowitz	markowitz	PROPN
fsr-3358	550	2	,	,	PUNCT
fsr-3358	550	3	h.	h.	PROPN
fsr-3358	550	4	m.	m.	PROPN
fsr-3358	550	5	(	(	PUNCT
fsr-3358	550	6	2010	2010	NUM
fsr-3358	550	7	)	)	PUNCT
fsr-3358	550	8	.	.	PUNCT
fsr-3358	551	1	portfolio	portfolio	NOUN
fsr-3358	551	2	theory	theory	NOUN
fsr-3358	551	3	:	:	PUNCT
fsr-3358	551	4	as	as	SCONJ
fsr-3358	551	5	i	i	PRON
fsr-3358	551	6	still	still	ADV
fsr-3358	551	7	see	see	VERB
fsr-3358	551	8	it	it	PRON
fsr-3358	551	9	.	.	PUNCT
fsr-3358	552	1	annu	annu	NOUN
fsr-3358	552	2	.	.	PUNCT
fsr-3358	553	1	rev	rev	PROPN
fsr-3358	553	2	.	.	PROPN
fsr-3358	553	3	financ	financ	PROPN
fsr-3358	553	4	.	.	PUNCT
fsr-3358	554	1	econ	econ	PROPN
fsr-3358	554	2	.	.	PROPN
fsr-3358	554	3	,	,	PUNCT
fsr-3358	554	4	2(1	2(1	NUM
fsr-3358	554	5	)	)	PUNCT
fsr-3358	554	6	,	,	PUNCT
fsr-3358	554	7	1	1	NUM
fsr-3358	554	8	-	-	SYM
fsr-3358	554	9	23	23	NUM
fsr-3358	554	10	.	.	PUNCT
fsr-3358	555	1	maynard	maynard	PROPN
fsr-3358	555	2	,	,	PUNCT
fsr-3358	555	3	n.	n.	NOUN
fsr-3358	555	4	,	,	PUNCT
fsr-3358	555	5	de	de	X
fsr-3358	555	6	neve	neve	PROPN
fsr-3358	555	7	,	,	PUNCT
fsr-3358	555	8	j.	j.	PROPN
fsr-3358	555	9	e.	e.	PROPN
fsr-3358	555	10	,	,	PUNCT
fsr-3358	555	11	&	&	CCONJ
fsr-3358	555	12	tufano	tufano	ADJ
fsr-3358	555	13	,	,	PUNCT
fsr-3358	555	14	p.	p.	NOUN
fsr-3358	555	15	(	(	PUNCT
fsr-3358	555	16	2008	2008	NUM
fsr-3358	555	17	)	)	PUNCT
fsr-3358	555	18	.	.	PUNCT
fsr-3358	556	1	consumer	consumer	NOUN
fsr-3358	556	2	demand	demand	NOUN
fsr-3358	556	3	for	for	ADP
fsr-3358	556	4	prizelinked	prizelinke	VERB
fsr-3358	556	5	savings	saving	NOUN
fsr-3358	556	6	:	:	PUNCT
fsr-3358	556	7	a	a	DET
fsr-3358	556	8	preliminary	preliminary	ADJ
fsr-3358	556	9	analysis	analysis	NOUN
fsr-3358	556	10	.	.	PUNCT
fsr-3358	557	1	harvard	harvard	PROPN
fsr-3358	557	2	business	business	PROPN
fsr-3358	557	3	school	school	PROPN
fsr-3358	557	4	finance	finance	NOUN
fsr-3358	557	5	working	working	NOUN
fsr-3358	557	6	paper	paper	NOUN
fsr-3358	557	7	,	,	PUNCT
fsr-3358	557	8	(	(	PUNCT
fsr-3358	557	9	08	08	NUM
fsr-3358	557	10	-	-	PUNCT
fsr-3358	557	11	061	061	NUM
fsr-3358	557	12	)	)	PUNCT
fsr-3358	557	13	.	.	PUNCT
fsr-3358	558	1	metzler	metzler	PROPN
fsr-3358	558	2	,	,	PUNCT
fsr-3358	558	3	z.	z.	PROPN
fsr-3358	558	4	,	,	PUNCT
fsr-3358	558	5	&	&	CCONJ
fsr-3358	558	6	grace	grace	NOUN
fsr-3358	558	7	,	,	PUNCT
fsr-3358	558	8	c.	c.	NOUN
fsr-3358	558	9	(	(	PUNCT
fsr-3358	558	10	2021	2021	NUM
fsr-3358	558	11	)	)	PUNCT
fsr-3358	558	12	.	.	PUNCT
fsr-3358	559	1	learning	learn	VERB
fsr-3358	559	2	about	about	ADP
fsr-3358	559	3	financial	financial	ADJ
fsr-3358	559	4	health	health	NOUN
fsr-3358	559	5	in	in	ADP
fsr-3358	559	6	canada	canada	PROPN
fsr-3358	559	7	.	.	PUNCT
fsr-3358	560	1	quantitative	quantitative	ADJ
fsr-3358	560	2	finance	finance	PROPN
fsr-3358	560	3	&	&	CCONJ
fsr-3358	560	4	economics	economic	NOUN
fsr-3358	560	5	,	,	PUNCT
fsr-3358	560	6	5(3	5(3	NUM
fsr-3358	560	7	):	):	PUNCT
fsr-3358	560	8	542	542	NUM
fsr-3358	560	9	-	-	SYM
fsr-3358	560	10	570	570	NUM
fsr-3358	560	11	.	.	PUNCT
fsr-3358	560	12	merton	merton	PROPN
fsr-3358	560	13	,	,	PUNCT
fsr-3358	560	14	r.	r.	PROPN
fsr-3358	560	15	c.	c.	PROPN
fsr-3358	560	16	(	(	PUNCT
fsr-3358	560	17	1973	1973	NUM
fsr-3358	560	18	)	)	PUNCT
fsr-3358	560	19	.	.	PUNCT
fsr-3358	561	1	an	an	DET
fsr-3358	561	2	intertemporal	intertemporal	ADJ
fsr-3358	561	3	capital	capital	NOUN
fsr-3358	561	4	asset	asset	NOUN
fsr-3358	561	5	pricing	pricing	NOUN
fsr-3358	561	6	model	model	NOUN
fsr-3358	561	7	.	.	PUNCT
fsr-3358	562	1	econometrica	econometrica	PROPN
fsr-3358	562	2	:	:	PUNCT
fsr-3358	562	3	journal	journal	NOUN
fsr-3358	562	4	of	of	ADP
fsr-3358	562	5	the	the	DET
fsr-3358	562	6	econometric	econometric	ADJ
fsr-3358	562	7	society	society	NOUN
fsr-3358	562	8	,	,	PUNCT
fsr-3358	562	9	867	867	NUM
fsr-3358	562	10	-	-	SYM
fsr-3358	562	11	887	887	NUM
fsr-3358	562	12	.	.	PUNCT
fsr-3358	563	1	modigliani	modigliani	PROPN
fsr-3358	563	2	,	,	PUNCT
fsr-3358	563	3	f.	f.	PROPN
fsr-3358	563	4	,	,	PUNCT
fsr-3358	563	5	&	&	CCONJ
fsr-3358	563	6	brumberg	brumberg	PROPN
fsr-3358	563	7	,	,	PUNCT
fsr-3358	563	8	r.	r.	PROPN
fsr-3358	563	9	(	(	PUNCT
fsr-3358	563	10	1954	1954	NUM
fsr-3358	563	11	)	)	PUNCT
fsr-3358	563	12	.	.	PUNCT
fsr-3358	564	1	utility	utility	NOUN
fsr-3358	564	2	analysis	analysis	NOUN
fsr-3358	564	3	and	and	CCONJ
fsr-3358	564	4	the	the	DET
fsr-3358	564	5	consumption	consumption	NOUN
fsr-3358	564	6	function	function	NOUN
fsr-3358	564	7	:	:	PUNCT
fsr-3358	564	8	an	an	DET
fsr-3358	564	9	interpretation	interpretation	NOUN
fsr-3358	564	10	of	of	ADP
fsr-3358	564	11	cross	cross	ADJ
fsr-3358	564	12	-	-	ADJ
fsr-3358	564	13	section	section	ADJ
fsr-3358	564	14	data	datum	NOUN
fsr-3358	564	15	.	.	PUNCT
fsr-3358	565	1	franco	franco	PROPN
fsr-3358	565	2	modigliani	modigliani	PROPN
fsr-3358	565	3	,	,	PUNCT
fsr-3358	565	4	1(1	1(1	NUM
fsr-3358	565	5	)	)	PUNCT
fsr-3358	565	6	,	,	PUNCT
fsr-3358	565	7	388	388	NUM
fsr-3358	565	8	-	-	SYM
fsr-3358	565	9	436	436	NUM
fsr-3358	565	10	.	.	PUNCT
fsr-3358	566	1	montmarquette	montmarquette	PROPN
fsr-3358	566	2	,	,	PUNCT
fsr-3358	566	3	c.	c.	PROPN
fsr-3358	566	4	,	,	PUNCT
fsr-3358	566	5	&	&	CCONJ
fsr-3358	566	6	viennot	viennot	PROPN
fsr-3358	566	7	-	-	PUNCT
fsr-3358	566	8	briot	briot	NOUN
fsr-3358	566	9	,	,	PUNCT
fsr-3358	566	10	n.	n.	NOUN
fsr-3358	566	11	(	(	PUNCT
fsr-3358	566	12	2015	2015	NUM
fsr-3358	566	13	)	)	PUNCT
fsr-3358	566	14	.	.	PUNCT
fsr-3358	567	1	the	the	DET
fsr-3358	567	2	value	value	NOUN
fsr-3358	567	3	of	of	ADP
fsr-3358	567	4	financial	financial	ADJ
fsr-3358	567	5	advice	advice	NOUN
fsr-3358	567	6	.	.	PUNCT
fsr-3358	568	1	annals	annal	NOUN
fsr-3358	568	2	of	of	ADP
fsr-3358	568	3	economics	economic	NOUN
fsr-3358	568	4	and	and	CCONJ
fsr-3358	568	5	finance	finance	NOUN
fsr-3358	568	6	,	,	PUNCT
fsr-3358	568	7	16(1	16(1	NUM
fsr-3358	568	8	)	)	PUNCT
fsr-3358	568	9	,	,	PUNCT
fsr-3358	568	10	69	69	NUM
fsr-3358	568	11	-	-	SYM
fsr-3358	568	12	94	94	NUM
fsr-3358	568	13	.	.	PUNCT
fsr-3358	569	1	newmeyer	newmeyer	PROPN
fsr-3358	569	2	,	,	PUNCT
fsr-3358	569	3	c.	c.	PROPN
fsr-3358	569	4	,	,	PUNCT
fsr-3358	569	5	warmath	warmath	NOUN
fsr-3358	569	6	,	,	PUNCT
fsr-3358	569	7	d.	d.	PROPN
fsr-3358	569	8	,	,	PUNCT
fsr-3358	569	9	o’connor	o’connor	ADV
fsr-3358	569	10	,	,	PUNCT
fsr-3358	569	11	g.	g.	PROPN
fsr-3358	569	12	e.	e.	PROPN
fsr-3358	569	13	,	,	PUNCT
fsr-3358	569	14	&	&	CCONJ
fsr-3358	569	15	wong	wong	PROPN
fsr-3358	569	16	,	,	PUNCT
fsr-3358	569	17	n.	n.	PROPN
fsr-3358	569	18	(	(	PUNCT
fsr-3358	569	19	2021	2021	NUM
fsr-3358	569	20	)	)	PUNCT
fsr-3358	569	21	.	.	PUNCT
fsr-3358	569	22	is	be	AUX
fsr-3358	569	23	savings	saving	NOUN
fsr-3358	569	24	automation	automation	NOUN
fsr-3358	569	25	helpful	helpful	ADJ
fsr-3358	569	26	to	to	ADP
fsr-3358	569	27	liquid	liquid	ADJ
fsr-3358	569	28	savings	saving	NOUN
fsr-3358	569	29	?	?	PUNCT
fsr-3358	570	1	it	it	PRON
fsr-3358	570	2	depends	depend	VERB
fsr-3358	570	3	on	on	ADP
fsr-3358	570	4	whether	whether	SCONJ
fsr-3358	570	5	you	you	PRON
fsr-3358	570	6	have	have	AUX
fsr-3358	570	7	a	a	DET
fsr-3358	570	8	savings	saving	NOUN
fsr-3358	570	9	habit	habit	NOUN
fsr-3358	570	10	.	.	PUNCT
fsr-3358	571	1	journal	journal	NOUN
fsr-3358	571	2	of	of	ADP
fsr-3358	571	3	public	public	ADJ
fsr-3358	571	4	policy	policy	NOUN
fsr-3358	571	5	&	&	CCONJ
fsr-3358	571	6	marketing	marketing	NOUN
fsr-3358	571	7	,	,	PUNCT
fsr-3358	571	8	40(2	40(2	NUM
fsr-3358	571	9	)	)	PUNCT
fsr-3358	571	10	,	,	PUNCT
fsr-3358	571	11	285	285	NUM
fsr-3358	571	12	-	-	SYM
fsr-3358	571	13	297	297	NUM
fsr-3358	571	14	.	.	PUNCT
fsr-3358	572	1	patel	patel	PROPN
fsr-3358	572	2	,	,	PUNCT
fsr-3358	572	3	j.	j.	PROPN
fsr-3358	572	4	,	,	PUNCT
fsr-3358	572	5	shah	shah	PROPN
fsr-3358	572	6	,	,	PUNCT
fsr-3358	572	7	s.	s.	PROPN
fsr-3358	572	8	,	,	PUNCT
fsr-3358	572	9	thakkar	thakkar	NOUN
fsr-3358	572	10	,	,	PUNCT
fsr-3358	572	11	p.	p.	NOUN
fsr-3358	572	12	,	,	PUNCT
fsr-3358	572	13	&	&	CCONJ
fsr-3358	572	14	kotecha	kotecha	PROPN
fsr-3358	572	15	,	,	PUNCT
fsr-3358	572	16	k.	k.	PROPN
fsr-3358	572	17	(	(	PUNCT
fsr-3358	572	18	2015	2015	NUM
fsr-3358	572	19	)	)	PUNCT
fsr-3358	572	20	.	.	PUNCT
fsr-3358	573	1	predicting	predict	VERB
fsr-3358	573	2	stock	stock	NOUN
fsr-3358	573	3	and	and	CCONJ
fsr-3358	573	4	stock	stock	NOUN
fsr-3358	573	5	price	price	NOUN
fsr-3358	573	6	index	index	NOUN
fsr-3358	573	7	movement	movement	NOUN
fsr-3358	573	8	using	use	VERB
fsr-3358	573	9	trend	trend	NOUN
fsr-3358	573	10	deterministic	deterministic	ADJ
fsr-3358	573	11	data	datum	NOUN
fsr-3358	573	12	preparation	preparation	NOUN
fsr-3358	573	13	and	and	CCONJ
fsr-3358	573	14	machine	machine	NOUN
fsr-3358	573	15	learning	learn	VERB
fsr-3358	573	16	techniques	technique	NOUN
fsr-3358	573	17	.	.	PUNCT
fsr-3358	574	1	expert	expert	NOUN
fsr-3358	574	2	systems	system	NOUN
fsr-3358	574	3	with	with	ADP
fsr-3358	574	4	applications	application	NOUN
fsr-3358	574	5	,	,	PUNCT
fsr-3358	574	6	42(1	42(1	NOUN
fsr-3358	574	7	)	)	PUNCT
fsr-3358	574	8	,	,	PUNCT
fsr-3358	574	9	259268	259268	NUM
fsr-3358	574	10	.	.	PUNCT
fsr-3358	575	1	petitjean	petitjean	PROPN
fsr-3358	575	2	,	,	PUNCT
fsr-3358	575	3	f.	f.	PROPN
fsr-3358	575	4	,	,	PUNCT
fsr-3358	575	5	ketterlin	ketterlin	PROPN
fsr-3358	575	6	,	,	PUNCT
fsr-3358	575	7	a.	a.	PROPN
fsr-3358	575	8	,	,	PUNCT
fsr-3358	575	9	&	&	CCONJ
fsr-3358	575	10	gançarski	gançarski	PROPN
fsr-3358	575	11	,	,	PUNCT
fsr-3358	575	12	p.	p.	NOUN
fsr-3358	575	13	(	(	PUNCT
fsr-3358	575	14	2011	2011	NUM
fsr-3358	575	15	)	)	PUNCT
fsr-3358	575	16	.	.	PUNCT
fsr-3358	576	1	a	a	DET
fsr-3358	576	2	global	global	ADJ
fsr-3358	576	3	averaging	averaging	NOUN
fsr-3358	576	4	method	method	NOUN
fsr-3358	576	5	for	for	ADP
fsr-3358	576	6	dynamic	dynamic	ADJ
fsr-3358	576	7	time	time	NOUN
fsr-3358	576	8	warping	warping	NOUN
fsr-3358	576	9	,	,	PUNCT
fsr-3358	576	10	with	with	ADP
fsr-3358	576	11	applications	application	NOUN
fsr-3358	576	12	to	to	AUX
fsr-3358	576	13	clustering	cluster	VERB
fsr-3358	576	14	.	.	PUNCT
fsr-3358	577	1	pattern	pattern	NOUN
fsr-3358	577	2	recognition	recognition	NOUN
fsr-3358	577	3	,	,	PUNCT
fsr-3358	577	4	44(3	44(3	NOUN
fsr-3358	577	5	)	)	PUNCT
fsr-3358	577	6	,	,	PUNCT
fsr-3358	577	7	678	678	NUM
fsr-3358	577	8	-	-	SYM
fsr-3358	577	9	693	693	NUM
fsr-3358	577	10	.	.	PUNCT
fsr-3358	578	1	raffinot	raffinot	NOUN
fsr-3358	578	2	,	,	PUNCT
fsr-3358	578	3	t.	t.	PROPN
fsr-3358	578	4	(	(	PUNCT
fsr-3358	578	5	2017	2017	NUM
fsr-3358	578	6	)	)	PUNCT
fsr-3358	578	7	.	.	PUNCT
fsr-3358	579	1	hierarchical	hierarchical	ADJ
fsr-3358	579	2	clusteringbased	clusteringbase	VERB
fsr-3358	579	3	asset	asset	NOUN
fsr-3358	579	4	allocation	allocation	NOUN
fsr-3358	579	5	.	.	PUNCT
fsr-3358	580	1	the	the	DET
fsr-3358	580	2	journal	journal	PROPN
fsr-3358	580	3	of	of	ADP
fsr-3358	580	4	portfolio	portfolio	NOUN
fsr-3358	580	5	management	management	NOUN
fsr-3358	580	6	,	,	PUNCT
fsr-3358	580	7	44(2	44(2	NOUN
fsr-3358	580	8	)	)	PUNCT
fsr-3358	580	9	,	,	PUNCT
fsr-3358	580	10	89	89	NUM
fsr-3358	580	11	-	-	SYM
fsr-3358	580	12	99	99	NUM
fsr-3358	580	13	.	.	PUNCT
fsr-3358	580	14	rocher	rocher	PROPN
fsr-3358	580	15	,	,	PUNCT
fsr-3358	580	16	l.	l.	PROPN
fsr-3358	580	17	,	,	PUNCT
fsr-3358	580	18	hendrickx	hendrickx	PROPN
fsr-3358	580	19	,	,	PUNCT
fsr-3358	580	20	j.	j.	PROPN
fsr-3358	580	21	m.	m.	PROPN
fsr-3358	580	22	,	,	PUNCT
fsr-3358	580	23	&	&	CCONJ
fsr-3358	580	24	de	de	X
fsr-3358	580	25	montjoye	montjoye	PROPN
fsr-3358	580	26	,	,	PUNCT
fsr-3358	580	27	y.	y.	PROPN
fsr-3358	580	28	a.	a.	PROPN
fsr-3358	580	29	(	(	PUNCT
fsr-3358	580	30	2019	2019	NUM
fsr-3358	580	31	)	)	PUNCT
fsr-3358	580	32	.	.	PUNCT
fsr-3358	581	1	estimating	estimate	VERB
fsr-3358	581	2	the	the	DET
fsr-3358	581	3	success	success	NOUN
fsr-3358	581	4	of	of	ADP
fsr-3358	581	5	re	re	NOUN
fsr-3358	581	6	-	-	NOUN
fsr-3358	581	7	identifications	identification	NOUN
fsr-3358	581	8	in	in	ADP
fsr-3358	581	9	incomplete	incomplete	ADJ
fsr-3358	581	10	datasets	dataset	NOUN
fsr-3358	581	11	using	use	VERB
fsr-3358	581	12	generative	generative	ADJ
fsr-3358	581	13	models	model	NOUN
fsr-3358	581	14	.	.	PUNCT
fsr-3358	582	1	nature	nature	NOUN
fsr-3358	582	2	communications	communication	NOUN
fsr-3358	582	3	,	,	PUNCT
fsr-3358	582	4	10(1	10(1	NUM
fsr-3358	582	5	)	)	PUNCT
fsr-3358	582	6	,	,	PUNCT
fsr-3358	582	7	1	1	NUM
fsr-3358	582	8	-	-	SYM
fsr-3358	582	9	9	9	NUM
fsr-3358	582	10	.	.	PUNCT
fsr-3358	582	11	rundo	rundo	PROPN
fsr-3358	582	12	,	,	PUNCT
fsr-3358	582	13	f.	f.	PROPN
fsr-3358	582	14	,	,	PUNCT
fsr-3358	582	15	trenta	trenta	PROPN
fsr-3358	582	16	,	,	PUNCT
fsr-3358	582	17	f.	f.	PROPN
fsr-3358	582	18	,	,	PUNCT
fsr-3358	582	19	di	di	PROPN
fsr-3358	582	20	stallo	stallo	PROPN
fsr-3358	582	21	,	,	PUNCT
fsr-3358	582	22	a.	a.	PROPN
fsr-3358	582	23	l.	l.	PROPN
fsr-3358	582	24	,	,	PUNCT
fsr-3358	582	25	&	&	CCONJ
fsr-3358	582	26	battiato	battiato	PROPN
fsr-3358	582	27	,	,	PUNCT
fsr-3358	582	28	s.	s.	PROPN
fsr-3358	582	29	(	(	PUNCT
fsr-3358	582	30	2019	2019	NUM
fsr-3358	582	31	)	)	PUNCT
fsr-3358	582	32	.	.	PUNCT
fsr-3358	583	1	machine	machine	NOUN
fsr-3358	583	2	learning	learn	VERB
fsr-3358	583	3	for	for	ADP
fsr-3358	583	4	quantitative	quantitative	ADJ
fsr-3358	583	5	finance	finance	NOUN
fsr-3358	583	6	applications	application	NOUN
fsr-3358	583	7	:	:	PUNCT
fsr-3358	583	8	a	a	DET
fsr-3358	583	9	survey	survey	NOUN
fsr-3358	583	10	.	.	PUNCT
fsr-3358	584	1	applied	apply	VERB
fsr-3358	584	2	sciences	science	NOUN
fsr-3358	584	3	,	,	PUNCT
fsr-3358	584	4	9(24	9(24	NUM
fsr-3358	584	5	)	)	PUNCT
fsr-3358	584	6	,	,	PUNCT
fsr-3358	584	7	5574	5574	NUM
fsr-3358	584	8	.	.	PUNCT
fsr-3358	585	1	shefrin	shefrin	NOUN
fsr-3358	585	2	,	,	PUNCT
fsr-3358	585	3	h.	h.	PROPN
fsr-3358	585	4	m.	m.	PROPN
fsr-3358	585	5	,	,	PUNCT
fsr-3358	585	6	&	&	CCONJ
fsr-3358	585	7	thaler	thaler	PROPN
fsr-3358	585	8	,	,	PUNCT
fsr-3358	585	9	r.	r.	PROPN
fsr-3358	585	10	h.	h.	PROPN
fsr-3358	585	11	(	(	PUNCT
fsr-3358	585	12	2004	2004	NUM
fsr-3358	585	13	)	)	PUNCT
fsr-3358	585	14	,	,	PUNCT
fsr-3358	585	15	mental	mental	ADJ
fsr-3358	585	16	accounting	accounting	NOUN
fsr-3358	585	17	matters	matter	NOUN
fsr-3358	585	18	(	(	PUNCT
fsr-3358	585	19	chapter	chapter	NOUN
fsr-3358	585	20	14	14	NUM
fsr-3358	585	21	)	)	PUNCT
fsr-3358	585	22	.	.	PUNCT
fsr-3358	586	1	advances	advance	NOUN
fsr-3358	586	2	in	in	ADP
fsr-3358	586	3	behavioural	behavioural	ADJ
fsr-3358	586	4	economics	economic	NOUN
fsr-3358	586	5	.	.	PUNCT
fsr-3358	587	1	princeton	princeton	PROPN
fsr-3358	587	2	university	university	PROPN
fsr-3358	587	3	press	press	NOUN
fsr-3358	587	4	soman	soman	NOUN
fsr-3358	587	5	,	,	PUNCT
fsr-3358	587	6	d.	d.	PROPN
fsr-3358	587	7	,	,	PUNCT
fsr-3358	587	8	&	&	CCONJ
fsr-3358	587	9	cheema	cheema	PROPN
fsr-3358	587	10	,	,	PUNCT
fsr-3358	587	11	a.	a.	NOUN
fsr-3358	587	12	(	(	PUNCT
fsr-3358	587	13	2011	2011	NUM
fsr-3358	587	14	)	)	PUNCT
fsr-3358	587	15	.	.	PUNCT
fsr-3358	588	1	earmarking	earmark	VERB
fsr-3358	588	2	and	and	CCONJ
fsr-3358	588	3	partitioning	partitioning	NOUN
fsr-3358	588	4	:	:	PUNCT
fsr-3358	588	5	increasing	increase	VERB
fsr-3358	588	6	saving	save	VERB
fsr-3358	588	7	by	by	ADP
fsr-3358	588	8	low	low	ADJ
fsr-3358	588	9	-	-	PUNCT
fsr-3358	588	10	income	income	NOUN
fsr-3358	588	11	households	household	NOUN
fsr-3358	588	12	.	.	PUNCT
fsr-3358	589	1	journal	journal	NOUN
fsr-3358	589	2	of	of	ADP
fsr-3358	589	3	marketing	marketing	NOUN
fsr-3358	589	4	research	research	NOUN
fsr-3358	589	5	,	,	PUNCT
fsr-3358	589	6	48(spl	48(spl	NOUN
fsr-3358	589	7	)	)	PUNCT
fsr-3358	589	8	,	,	PUNCT
fsr-3358	589	9	s14s22	s14s22	PROPN
fsr-3358	589	10	.	.	PUNCT
fsr-3358	590	1	suh	suh	PROPN
fsr-3358	590	2	,	,	PUNCT
fsr-3358	590	3	e.	e.	PROPN
fsr-3358	590	4	(	(	PUNCT
fsr-3358	590	5	2022	2022	NUM
fsr-3358	590	6	)	)	PUNCT
fsr-3358	590	7	.	.	PUNCT
fsr-3358	591	1	ca	can	AUX
fsr-3358	591	2	n't	not	PART
fsr-3358	591	3	save	save	VERB
fsr-3358	591	4	or	or	CCONJ
fsr-3358	591	5	wo	will	AUX
fsr-3358	591	6	n't	not	PART
fsr-3358	591	7	save	save	VERB
fsr-3358	591	8	:	:	PUNCT
fsr-3358	591	9	financial	financial	ADJ
fsr-3358	591	10	resilience	resilience	NOUN
fsr-3358	591	11	and	and	CCONJ
fsr-3358	591	12	discretionary	discretionary	ADJ
fsr-3358	591	13	retirement	retirement	NOUN
fsr-3358	591	14	saving	save	VERB
fsr-3358	591	15	among	among	ADP
fsr-3358	591	16	british	british	ADJ
fsr-3358	591	17	adults	adult	NOUN
fsr-3358	591	18	in	in	ADP
fsr-3358	591	19	their	their	PRON
fsr-3358	591	20	thirties	thirty	NOUN
fsr-3358	591	21	and	and	CCONJ
fsr-3358	591	22	forties	forty	NOUN
fsr-3358	591	23	.	.	PUNCT
fsr-3358	592	1	financial	financial	ADJ
fsr-3358	592	2	services	service	NOUN
fsr-3358	592	3	review	review	PROPN
fsr-3358	592	4	,	,	PUNCT
fsr-3358	592	5	32(2	32(2	NUM
fsr-3358	592	6	)	)	PUNCT
fsr-3358	592	7	28	28	NUM
fsr-3358	592	8	ageing	ageing	NOUN
fsr-3358	592	9	&	&	CCONJ
fsr-3358	592	10	society	society	NOUN
fsr-3358	592	11	,	,	PUNCT
fsr-3358	592	12	42(12	42(12	NUM
fsr-3358	592	13	)	)	PUNCT
fsr-3358	592	14	,	,	PUNCT
fsr-3358	592	15	29402967	29402967	NUM
fsr-3358	592	16	.	.	PUNCT
fsr-3358	593	1	thaler	thaler	PROPN
fsr-3358	593	2	,	,	PUNCT
fsr-3358	593	3	r.	r.	PROPN
fsr-3358	593	4	h.	h.	PROPN
fsr-3358	593	5	,	,	PUNCT
fsr-3358	593	6	&	&	CCONJ
fsr-3358	593	7	benartzi	benartzi	PROPN
fsr-3358	593	8	,	,	PUNCT
fsr-3358	593	9	s.	s.	PROPN
fsr-3358	593	10	(	(	PUNCT
fsr-3358	593	11	2004	2004	NUM
fsr-3358	593	12	)	)	PUNCT
fsr-3358	593	13	.	.	PUNCT
fsr-3358	594	1	save	save	VERB
fsr-3358	594	2	more	more	ADJ
fsr-3358	594	3	tomorrow	tomorrow	NOUN
fsr-3358	594	4	™	™	NOUN
fsr-3358	594	5	:	:	PUNCT
fsr-3358	594	6	using	use	VERB
fsr-3358	594	7	behavioral	behavioral	ADJ
fsr-3358	594	8	economics	economic	NOUN
fsr-3358	594	9	to	to	PART
fsr-3358	594	10	increase	increase	VERB
fsr-3358	594	11	employee	employee	NOUN
fsr-3358	594	12	saving	saving	NOUN
fsr-3358	594	13	.	.	PUNCT
fsr-3358	595	1	journal	journal	PROPN
fsr-3358	595	2	of	of	ADP
fsr-3358	595	3	political	political	ADJ
fsr-3358	595	4	economy	economy	NOUN
fsr-3358	595	5	,	,	PUNCT
fsr-3358	595	6	112(s1	112(s1	NUM
fsr-3358	595	7	)	)	PUNCT
fsr-3358	595	8	,	,	PUNCT
fsr-3358	595	9	s164	s164	PROPN
fsr-3358	595	10	-	-	PUNCT
fsr-3358	595	11	s187	s187	PROPN
fsr-3358	595	12	.	.	PUNCT
fsr-3358	596	1	thompson	thompson	PROPN
fsr-3358	596	2	,	,	PUNCT
fsr-3358	596	3	j.	j.	PROPN
fsr-3358	596	4	r.	r.	PROPN
fsr-3358	596	5	,	,	PUNCT
fsr-3358	596	6	feng	feng	PROPN
fsr-3358	596	7	,	,	PUNCT
fsr-3358	596	8	l.	l.	PROPN
fsr-3358	596	9	,	,	PUNCT
fsr-3358	596	10	reesor	reesor	PROPN
fsr-3358	596	11	,	,	PUNCT
fsr-3358	596	12	r.	r.	PROPN
fsr-3358	596	13	m.	m.	PROPN
fsr-3358	596	14	,	,	PUNCT
fsr-3358	596	15	&	&	CCONJ
fsr-3358	596	16	grace	grace	NOUN
fsr-3358	596	17	,	,	PUNCT
fsr-3358	596	18	c.	c.	NOUN
fsr-3358	596	19	(	(	PUNCT
fsr-3358	596	20	2021	2021	NUM
fsr-3358	596	21	)	)	PUNCT
fsr-3358	596	22	.	.	PUNCT
fsr-3358	597	1	know	know	VERB
fsr-3358	597	2	your	your	PRON
fsr-3358	597	3	clients	client	NOUN
fsr-3358	597	4	’	'	PUNCT
fsr-3358	597	5	behaviours	behaviour	NOUN
fsr-3358	597	6	:	:	PUNCT
fsr-3358	597	7	a	a	DET
fsr-3358	597	8	cluster	cluster	NOUN
fsr-3358	597	9	analysis	analysis	NOUN
fsr-3358	597	10	of	of	ADP
fsr-3358	597	11	financial	financial	ADJ
fsr-3358	597	12	transactions	transaction	NOUN
fsr-3358	597	13	.	.	PUNCT
fsr-3358	598	1	journal	journal	NOUN
fsr-3358	598	2	of	of	ADP
fsr-3358	598	3	risk	risk	NOUN
fsr-3358	598	4	and	and	CCONJ
fsr-3358	598	5	financial	financial	ADJ
fsr-3358	598	6	management	management	NOUN
fsr-3358	598	7	,	,	PUNCT
fsr-3358	598	8	14(2	14(2	NUM
fsr-3358	598	9	)	)	PUNCT
fsr-3358	598	10	,	,	PUNCT
fsr-3358	598	11	50	50	NUM
fsr-3358	598	12	.	.	PUNCT
fsr-3358	599	1	tsai	tsai	PROPN
fsr-3358	599	2	,	,	PUNCT
fsr-3358	599	3	c.	c.	PROPN
fsr-3358	599	4	f.	f.	PROPN
fsr-3358	599	5	(	(	PUNCT
fsr-3358	599	6	2014	2014	NUM
fsr-3358	599	7	)	)	PUNCT
fsr-3358	599	8	.	.	PUNCT
fsr-3358	600	1	combining	combine	VERB
fsr-3358	600	2	cluster	cluster	NOUN
fsr-3358	600	3	analysis	analysis	NOUN
fsr-3358	600	4	with	with	ADP
fsr-3358	600	5	classifier	classifier	ADJ
fsr-3358	600	6	ensembles	ensemble	NOUN
fsr-3358	600	7	to	to	PART
fsr-3358	600	8	predict	predict	VERB
fsr-3358	600	9	financial	financial	ADJ
fsr-3358	600	10	distress	distress	NOUN
fsr-3358	600	11	.	.	PUNCT
fsr-3358	601	1	information	information	NOUN
fsr-3358	601	2	fusion	fusion	NOUN
fsr-3358	601	3	,	,	PUNCT
fsr-3358	601	4	16	16	NUM
fsr-3358	601	5	,	,	PUNCT
fsr-3358	601	6	46	46	NUM
fsr-3358	601	7	-	-	SYM
fsr-3358	601	8	58	58	NUM
fsr-3358	601	9	.	.	PUNCT
fsr-3358	602	1	turner	turner	PROPN
fsr-3358	602	2	,	,	PUNCT
fsr-3358	602	3	t.	t.	NOUN
fsr-3358	602	4	m.	m.	NOUN
fsr-3358	602	5	,	,	PUNCT
fsr-3358	602	6	&	&	CCONJ
fsr-3358	602	7	luea	luea	PROPN
fsr-3358	602	8	,	,	PUNCT
fsr-3358	602	9	h.	h.	PROPN
fsr-3358	602	10	(	(	PUNCT
fsr-3358	602	11	2009	2009	NUM
fsr-3358	602	12	)	)	PUNCT
fsr-3358	602	13	.	.	PUNCT
fsr-3358	603	1	homeownership	homeownership	NOUN
fsr-3358	603	2	,	,	PUNCT
fsr-3358	603	3	wealth	wealth	NOUN
fsr-3358	603	4	accumulation	accumulation	NOUN
fsr-3358	603	5	and	and	CCONJ
fsr-3358	603	6	income	income	NOUN
fsr-3358	603	7	status	status	NOUN
fsr-3358	603	8	.	.	PUNCT
fsr-3358	604	1	journal	journal	PROPN
fsr-3358	604	2	of	of	ADP
fsr-3358	604	3	housing	housing	NOUN
fsr-3358	604	4	economics	economic	NOUN
fsr-3358	604	5	,	,	PUNCT
fsr-3358	604	6	18(2	18(2	NUM
fsr-3358	604	7	)	)	PUNCT
fsr-3358	604	8	,	,	PUNCT
fsr-3358	604	9	104	104	NUM
fsr-3358	604	10	-	-	SYM
fsr-3358	604	11	114	114	NUM
fsr-3358	604	12	.	.	PUNCT
fsr-3358	605	1	west	west	PROPN
fsr-3358	605	2	,	,	PUNCT
fsr-3358	605	3	d.	d.	PROPN
fsr-3358	605	4	,	,	PUNCT
fsr-3358	605	5	dellana	dellana	PROPN
fsr-3358	605	6	,	,	PUNCT
fsr-3358	605	7	s.	s.	PROPN
fsr-3358	605	8	,	,	PUNCT
fsr-3358	605	9	&	&	CCONJ
fsr-3358	605	10	qian	qian	PROPN
fsr-3358	605	11	,	,	PUNCT
fsr-3358	605	12	j.	j.	PROPN
fsr-3358	605	13	(	(	PUNCT
fsr-3358	605	14	2005	2005	NUM
fsr-3358	605	15	)	)	PUNCT
fsr-3358	605	16	.	.	PUNCT
fsr-3358	606	1	neural	neural	ADJ
fsr-3358	606	2	network	network	NOUN
fsr-3358	606	3	ensemble	ensemble	ADJ
fsr-3358	606	4	strategies	strategy	NOUN
fsr-3358	606	5	for	for	ADP
fsr-3358	606	6	financial	financial	ADJ
fsr-3358	606	7	decision	decision	NOUN
fsr-3358	606	8	applications	application	NOUN
fsr-3358	606	9	.	.	PUNCT
fsr-3358	607	1	computers	computer	NOUN
fsr-3358	607	2	&	&	CCONJ
fsr-3358	607	3	operations	operation	NOUN
fsr-3358	607	4	research	research	NOUN
fsr-3358	607	5	,	,	PUNCT
fsr-3358	607	6	32(10	32(10	NUM
fsr-3358	607	7	)	)	PUNCT
fsr-3358	607	8	,	,	PUNCT
fsr-3358	607	9	2543	2543	NUM
fsr-3358	607	10	-	-	SYM
fsr-3358	607	11	2559	2559	NUM
fsr-3358	607	12	.	.	PUNCT
fsr-3358	608	1	van	van	PROPN
fsr-3358	608	2	liebergen	liebergen	PROPN
fsr-3358	608	3	,	,	PUNCT
fsr-3358	608	4	b.	b.	PROPN
fsr-3358	608	5	(	(	PUNCT
fsr-3358	608	6	2017	2017	NUM
fsr-3358	608	7	)	)	PUNCT
fsr-3358	608	8	.	.	PUNCT
fsr-3358	609	1	machine	machine	NOUN
fsr-3358	609	2	learning	learning	NOUN
fsr-3358	609	3	:	:	PUNCT
fsr-3358	609	4	a	a	DET
fsr-3358	609	5	revolution	revolution	NOUN
fsr-3358	609	6	in	in	ADP
fsr-3358	609	7	risk	risk	NOUN
fsr-3358	609	8	management	management	NOUN
fsr-3358	609	9	and	and	CCONJ
fsr-3358	609	10	compliance	compliance	NOUN
fsr-3358	609	11	?	?	PUNCT
fsr-3358	609	12	.	.	PUNCT
fsr-3358	610	1	journal	journal	PROPN
fsr-3358	610	2	of	of	ADP
fsr-3358	610	3	financial	financial	ADJ
fsr-3358	610	4	transformation	transformation	NOUN
fsr-3358	610	5	,	,	PUNCT
fsr-3358	610	6	45	45	NUM
fsr-3358	610	7	,	,	PUNCT
fsr-3358	610	8	60	60	NUM
fsr-3358	610	9	-	-	SYM
fsr-3358	610	10	67	67	NUM
fsr-3358	610	11	.	.	PUNCT
fsr-3358	611	1	vlaev	vlaev	PROPN
fsr-3358	611	2	,	,	PUNCT
fsr-3358	611	3	i.	i.	PROPN
fsr-3358	611	4	,	,	PUNCT
fsr-3358	611	5	&	&	CCONJ
fsr-3358	611	6	elliott	elliott	PROPN
fsr-3358	611	7	,	,	PUNCT
fsr-3358	611	8	a.	a.	PROPN
fsr-3358	611	9	(	(	PUNCT
fsr-3358	611	10	2014	2014	NUM
fsr-3358	611	11	)	)	PUNCT
fsr-3358	611	12	.	.	PUNCT
fsr-3358	612	1	financial	financial	ADJ
fsr-3358	612	2	well	well	ADV
fsr-3358	612	3	-	-	PUNCT
fsr-3358	612	4	being	being	NOUN
fsr-3358	612	5	components	component	NOUN
fsr-3358	612	6	.	.	PUNCT
fsr-3358	613	1	social	social	ADJ
fsr-3358	613	2	indicators	indicator	NOUN
fsr-3358	613	3	research	research	NOUN
fsr-3358	613	4	,	,	PUNCT
fsr-3358	613	5	118	118	NUM
fsr-3358	613	6	,	,	PUNCT
fsr-3358	613	7	1103	1103	NUM
fsr-3358	613	8	-	-	SYM
fsr-3358	613	9	1123	1123	NUM
fsr-3358	613	10	.	.	PUNCT