id	sid	tid	token	lemma	pos
fsr-3370	1	1	does	do	VERB
fsr-3370	1	2	financial	financial	ADJ
fsr-3370	1	3	risk	risk	NOUN
fsr-3370	1	4	tolerance	tolerance	NOUN
fsr-3370	1	5	change	change	NOUN
fsr-3370	1	6	over	over	ADP
fsr-3370	1	7	time	time	NOUN
fsr-3370	1	8	?	?	PUNCT
fsr-3370	2	1	a	a	DET
fsr-3370	2	2	test	test	NOUN
fsr-3370	2	3	of	of	ADP
fsr-3370	2	4	the	the	DET
fsr-3370	2	5	role	role	NOUN
fsr-3370	2	6	macroeconomic	macroeconomic	ADJ
fsr-3370	2	7	,	,	PUNCT
fsr-3370	2	8	biopsychosocial	biopsychosocial	ADJ
fsr-3370	2	9	and	and	CCONJ
fsr-3370	2	10	environmental	environmental	ADJ
fsr-3370	2	11	,	,	PUNCT
fsr-3370	2	12	and	and	CCONJ
fsr-3370	2	13	social	social	ADJ
fsr-3370	2	14	support	support	NOUN
fsr-3370	2	15	factors	factor	NOUN
fsr-3370	2	16	play	play	VERB
fsr-3370	2	17	in	in	ADP
fsr-3370	2	18	shaping	shape	VERB
fsr-3370	2	19	changes	change	NOUN
fsr-3370	2	20	in	in	ADP
fsr-3370	2	21	risk	risk	NOUN
fsr-3370	2	22	attitudes	attitude	NOUN
fsr-3370	2	23	stephen	stephen	PROPN
fsr-3370	2	24	kuzniak	kuzniak	PROPN
fsr-3370	2	25	,	,	PUNCT
fsr-3370	2	26	ph.d.a	ph.d.a	PROPN
fsr-3370	2	27	,	,	PUNCT
fsr-3370	2	28	john	john	PROPN
fsr-3370	2	29	e.	e.	PROPN
fsr-3370	2	30	grable	grable	PROPN
fsr-3370	2	31	,	,	PUNCT
fsr-3370	2	32	ph.d.a	ph.d.a	PROPN
fsr-3370	2	33	,	,	PUNCT
fsr-3370	2	34	*	*	PUNCT
fsr-3370	2	35	adepartment	adepartment	NOUN
fsr-3370	2	36	of	of	ADP
fsr-3370	2	37	financial	financial	ADJ
fsr-3370	2	38	planning	planning	NOUN
fsr-3370	2	39	,	,	PUNCT
fsr-3370	2	40	housing	housing	NOUN
fsr-3370	2	41	and	and	CCONJ
fsr-3370	2	42	consumer	consumer	NOUN
fsr-3370	2	43	economics	economic	NOUN
fsr-3370	2	44	,	,	PUNCT
fsr-3370	2	45	university	university	NOUN
fsr-3370	2	46	of	of	ADP
fsr-3370	2	47	georgia	georgia	PROPN
fsr-3370	2	48	,	,	PUNCT
fsr-3370	2	49	300	300	NUM
fsr-3370	2	50	dawson	dawson	PROPN
fsr-3370	2	51	hall	hall	PROPN
fsr-3370	2	52	,	,	PUNCT
fsr-3370	2	53	athens	athens	PROPN
fsr-3370	2	54	,	,	PUNCT
fsr-3370	2	55	georgia	georgia	PROPN
fsr-3370	2	56	30602	30602	NUM
fsr-3370	2	57	,	,	PUNCT
fsr-3370	2	58	usa	usa	PROPN
fsr-3370	2	59	abstract	abstract	ADJ
fsr-3370	2	60	financial	financial	ADJ
fsr-3370	2	61	planners	planner	NOUN
fsr-3370	2	62	work	work	VERB
fsr-3370	2	63	in	in	ADP
fsr-3370	2	64	an	an	DET
fsr-3370	2	65	environment	environment	NOUN
fsr-3370	2	66	that	that	PRON
fsr-3370	2	67	requires	require	VERB
fsr-3370	2	68	the	the	DET
fsr-3370	2	69	documentation	documentation	NOUN
fsr-3370	2	70	of	of	ADP
fsr-3370	2	71	a	a	DET
fsr-3370	2	72	client	client	NOUN
fsr-3370	2	73	’s	’s	PART
fsr-3370	2	74	financial	financial	ADJ
fsr-3370	2	75	attitudes	attitude	NOUN
fsr-3370	2	76	and	and	CCONJ
fsr-3370	2	77	preferences	preference	NOUN
fsr-3370	2	78	.	.	PUNCT
fsr-3370	3	1	financial	financial	ADJ
fsr-3370	3	2	risk	risk	NOUN
fsr-3370	3	3	tolerance	tolerance	NOUN
fsr-3370	3	4	is	be	AUX
fsr-3370	3	5	one	one	NUM
fsr-3370	3	6	such	such	ADJ
fsr-3370	3	7	attitudinal	attitudinal	ADJ
fsr-3370	3	8	construct	construct	NOUN
fsr-3370	3	9	that	that	PRON
fsr-3370	3	10	is	be	AUX
fsr-3370	3	11	generally	generally	ADV
fsr-3370	3	12	required	require	VERB
fsr-3370	3	13	by	by	ADP
fsr-3370	3	14	regulators	regulator	NOUN
fsr-3370	3	15	to	to	PART
fsr-3370	3	16	be	be	AUX
fsr-3370	3	17	evaluated	evaluate	VERB
fsr-3370	3	18	.	.	PUNCT
fsr-3370	4	1	while	while	SCONJ
fsr-3370	4	2	there	there	PRON
fsr-3370	4	3	are	be	VERB
fsr-3370	4	4	numerous	numerous	ADJ
fsr-3370	4	5	commercial	commercial	ADJ
fsr-3370	4	6	and	and	CCONJ
fsr-3370	4	7	academic	academic	ADJ
fsr-3370	4	8	products	product	NOUN
fsr-3370	4	9	used	use	VERB
fsr-3370	4	10	to	to	PART
fsr-3370	4	11	assess	assess	VERB
fsr-3370	4	12	client	client	NOUN
fsr-3370	4	13	risk	risk	NOUN
fsr-3370	4	14	attitudes	attitude	NOUN
fsr-3370	4	15	,	,	PUNCT
fsr-3370	4	16	questions	question	NOUN
fsr-3370	4	17	have	have	AUX
fsr-3370	4	18	been	be	AUX
fsr-3370	4	19	raised	raise	VERB
fsr-3370	4	20	over	over	ADP
fsr-3370	4	21	the	the	DET
fsr-3370	4	22	past	past	ADJ
fsr-3370	4	23	several	several	ADJ
fsr-3370	4	24	decades	decade	NOUN
fsr-3370	4	25	regarding	regard	VERB
fsr-3370	4	26	the	the	DET
fsr-3370	4	27	stability	stability	NOUN
fsr-3370	4	28	of	of	ADP
fsr-3370	4	29	scores	score	NOUN
fsr-3370	4	30	from	from	ADP
fsr-3370	4	31	risk	risk	NOUN
fsr-3370	4	32	-	-	PUNCT
fsr-3370	4	33	tolerance	tolerance	NOUN
fsr-3370	4	34	tools	tool	NOUN
fsr-3370	4	35	.	.	PUNCT
fsr-3370	5	1	specifically	specifically	ADV
fsr-3370	5	2	,	,	PUNCT
fsr-3370	5	3	financial	financial	ADJ
fsr-3370	5	4	planners	planner	NOUN
fsr-3370	5	5	,	,	PUNCT
fsr-3370	5	6	as	as	ADV
fsr-3370	5	7	well	well	ADV
fsr-3370	5	8	as	as	ADP
fsr-3370	5	9	regulators	regulator	NOUN
fsr-3370	5	10	,	,	PUNCT
fsr-3370	5	11	require	require	VERB
fsr-3370	5	12	evidence	evidence	NOUN
fsr-3370	5	13	documenting	document	VERB
fsr-3370	5	14	to	to	ADP
fsr-3370	5	15	what	what	DET
fsr-3370	5	16	extent	extent	NOUN
fsr-3370	5	17	risk	risk	NOUN
fsr-3370	5	18	tolerance	tolerance	NOUN
fsr-3370	5	19	changes	change	NOUN
fsr-3370	5	20	over	over	ADP
fsr-3370	5	21	time	time	NOUN
fsr-3370	5	22	,	,	PUNCT
fsr-3370	5	23	and	and	CCONJ
fsr-3370	5	24	if	if	SCONJ
fsr-3370	5	25	changes	change	NOUN
fsr-3370	5	26	do	do	AUX
fsr-3370	5	27	occur	occur	VERB
fsr-3370	5	28	,	,	PUNCT
fsr-3370	5	29	the	the	DET
fsr-3370	5	30	variables	variable	NOUN
fsr-3370	5	31	associated	associate	VERB
fsr-3370	5	32	with	with	ADP
fsr-3370	5	33	variability	variability	NOUN
fsr-3370	5	34	.	.	PUNCT
fsr-3370	6	1	the	the	DET
fsr-3370	6	2	purpose	purpose	NOUN
fsr-3370	6	3	of	of	ADP
fsr-3370	6	4	this	this	DET
fsr-3370	6	5	study	study	NOUN
fsr-3370	6	6	was	be	AUX
fsr-3370	6	7	to	to	PART
fsr-3370	6	8	address	address	VERB
fsr-3370	6	9	these	these	DET
fsr-3370	6	10	needs	need	NOUN
fsr-3370	6	11	.	.	PUNCT
fsr-3370	7	1	based	base	VERB
fsr-3370	7	2	on	on	ADP
fsr-3370	7	3	a	a	DET
fsr-3370	7	4	model	model	NOUN
fsr-3370	7	5	that	that	PRON
fsr-3370	7	6	included	include	VERB
fsr-3370	7	7	macroeconomic	macroeconomic	ADJ
fsr-3370	7	8	indicators	indicator	NOUN
fsr-3370	7	9	,	,	PUNCT
fsr-3370	7	10	biopsychosocial	biopsychosocial	ADJ
fsr-3370	7	11	and	and	CCONJ
fsr-3370	7	12	environmental	environmental	ADJ
fsr-3370	7	13	factors	factor	NOUN
fsr-3370	7	14	,	,	PUNCT
fsr-3370	7	15	and	and	CCONJ
fsr-3370	7	16	measures	measure	NOUN
fsr-3370	7	17	of	of	ADP
fsr-3370	7	18	social	social	ADJ
fsr-3370	7	19	support	support	NOUN
fsr-3370	7	20	,	,	PUNCT
fsr-3370	7	21	it	it	PRON
fsr-3370	7	22	was	be	AUX
fsr-3370	7	23	determined	determine	VERB
fsr-3370	7	24	that	that	SCONJ
fsr-3370	7	25	risk	risk	NOUN
fsr-3370	7	26	-	-	PUNCT
fsr-3370	7	27	tolerance	tolerance	NOUN
fsr-3370	7	28	attitudes	attitude	NOUN
fsr-3370	7	29	remain	remain	VERB
fsr-3370	7	30	generally	generally	ADV
fsr-3370	7	31	stable	stable	ADJ
fsr-3370	7	32	over	over	ADP
fsr-3370	7	33	time	time	NOUN
fsr-3370	7	34	.	.	PUNCT
fsr-3370	8	1	however	however	ADV
fsr-3370	8	2	,	,	PUNCT
fsr-3370	8	3	there	there	PRON
fsr-3370	8	4	are	be	VERB
fsr-3370	8	5	groups	group	NOUN
fsr-3370	8	6	of	of	ADP
fsr-3370	8	7	test	test	NOUN
fsr-3370	8	8	takers	taker	NOUN
fsr-3370	8	9	that	that	PRON
fsr-3370	8	10	exhibit	exhibit	VERB
fsr-3370	8	11	significant	significant	ADJ
fsr-3370	8	12	shifts	shift	NOUN
fsr-3370	8	13	in	in	ADP
fsr-3370	8	14	risk	risk	NOUN
fsr-3370	8	15	tolerance	tolerance	NOUN
fsr-3370	8	16	.	.	PUNCT
fsr-3370	9	1	this	this	DET
fsr-3370	9	2	article	article	NOUN
fsr-3370	9	3	describes	describe	VERB
fsr-3370	9	4	some	some	PRON
fsr-3370	9	5	of	of	ADP
fsr-3370	9	6	the	the	DET
fsr-3370	9	7	variables	variable	NOUN
fsr-3370	9	8	associated	associate	VERB
fsr-3370	9	9	with	with	ADP
fsr-3370	9	10	these	these	DET
fsr-3370	9	11	score	score	NOUN
fsr-3370	9	12	changes	change	NOUN
fsr-3370	9	13	,	,	PUNCT
fsr-3370	9	14	as	as	ADV
fsr-3370	9	15	well	well	ADV
fsr-3370	9	16	as	as	ADP
fsr-3370	9	17	providing	provide	VERB
fsr-3370	9	18	financial	financial	ADJ
fsr-3370	9	19	planning	planning	NOUN
fsr-3370	9	20	professionals	professional	NOUN
fsr-3370	9	21	with	with	ADP
fsr-3370	9	22	guidance	guidance	NOUN
fsr-3370	9	23	on	on	ADP
fsr-3370	9	24	how	how	SCONJ
fsr-3370	9	25	to	to	PART
fsr-3370	9	26	identify	identify	VERB
fsr-3370	9	27	clients	client	NOUN
fsr-3370	9	28	who	who	PRON
fsr-3370	9	29	may	may	AUX
fsr-3370	9	30	be	be	AUX
fsr-3370	9	31	prone	prone	ADJ
fsr-3370	9	32	to	to	ADP
fsr-3370	9	33	shifting	shift	VERB
fsr-3370	9	34	their	their	PRON
fsr-3370	9	35	tolerance	tolerance	NOUN
fsr-3370	9	36	for	for	ADP
fsr-3370	9	37	financial	financial	ADJ
fsr-3370	9	38	risk	risk	NOUN
fsr-3370	9	39	.	.	PUNCT
fsr-3370	10	1	©	©	PROPN
fsr-3370	10	2	2017	2017	NUM
fsr-3370	10	3	academy	academy	NOUN
fsr-3370	10	4	of	of	ADP
fsr-3370	10	5	financial	financial	ADJ
fsr-3370	10	6	services	service	NOUN
fsr-3370	10	7	.	.	PUNCT
fsr-3370	11	1	all	all	DET
fsr-3370	11	2	rights	right	NOUN
fsr-3370	11	3	reserved	reserve	VERB
fsr-3370	11	4	.	.	PUNCT
fsr-3370	12	1	keywords	keyword	NOUN
fsr-3370	12	2	:	:	PUNCT
fsr-3370	12	3	financial	financial	ADJ
fsr-3370	12	4	risk	risk	NOUN
fsr-3370	12	5	tolerance	tolerance	NOUN
fsr-3370	12	6	;	;	PUNCT
fsr-3370	12	7	macroeconomic	macroeconomic	ADJ
fsr-3370	12	8	indicators	indicator	NOUN
fsr-3370	12	9	;	;	PUNCT
fsr-3370	12	10	social	social	ADJ
fsr-3370	12	11	support	support	NOUN
fsr-3370	12	12	;	;	PUNCT
fsr-3370	12	13	change	change	NOUN
fsr-3370	12	14	in	in	ADP
fsr-3370	12	15	risk	risk	NOUN
fsr-3370	12	16	tolerance	tolerance	NOUN
fsr-3370	12	17	*	*	PUNCT
fsr-3370	12	18	corresponding	correspond	VERB
fsr-3370	12	19	author	author	NOUN
fsr-3370	12	20	.	.	PUNCT
fsr-3370	13	1	tel	tel	PROPN
fsr-3370	13	2	.	.	PUNCT
fsr-3370	13	3	:	:	PUNCT
fsr-3370	13	4	�	�	PROPN
fsr-3370	13	5	1	1	NUM
fsr-3370	13	6	-	-	SYM
fsr-3370	13	7	706	706	NUM
fsr-3370	13	8	-	-	PUNCT
fsr-3370	13	9	542	542	NUM
fsr-3370	13	10	-	-	SYM
fsr-3370	13	11	4758	4758	NUM
fsr-3370	13	12	;	;	PUNCT
fsr-3370	13	13	fax	fax	NOUN
fsr-3370	13	14	:	:	PUNCT
fsr-3370	13	15	�	�	PROPN
fsr-3370	13	16	1	1	NUM
fsr-3370	13	17	-	-	SYM
fsr-3370	13	18	706	706	NUM
fsr-3370	13	19	-	-	PUNCT
fsr-3370	13	20	542	542	NUM
fsr-3370	13	21	-	-	PUNCT
fsr-3370	13	22	4856	4856	NUM
fsr-3370	13	23	.	.	PUNCT
fsr-3370	14	1	e	e	X
fsr-3370	14	2	-	-	NOUN
fsr-3370	14	3	mail	mail	NOUN
fsr-3370	14	4	address	address	NOUN
fsr-3370	14	5	:	:	PUNCT
fsr-3370	14	6	grable@uga.edu	grable@uga.edu	PROPN
fsr-3370	14	7	(	(	PUNCT
fsr-3370	14	8	j.e	j.e	PROPN
fsr-3370	14	9	.	.	PROPN
fsr-3370	14	10	grable	grable	ADJ
fsr-3370	14	11	)	)	PUNCT
fsr-3370	14	12	financial	financial	ADJ
fsr-3370	14	13	services	service	NOUN
fsr-3370	14	14	review	review	VERB
fsr-3370	14	15	26	26	NUM
fsr-3370	14	16	(	(	PUNCT
fsr-3370	14	17	2017	2017	NUM
fsr-3370	14	18	)	)	PUNCT
fsr-3370	15	1	315–338	315–338	NUM
fsr-3370	15	2	1057	1057	NUM
fsr-3370	15	3	-	-	SYM
fsr-3370	15	4	0810/17/$	0810/17/$	NUM
fsr-3370	15	5	–	–	PUNCT
fsr-3370	15	6	see	see	VERB
fsr-3370	15	7	front	front	ADJ
fsr-3370	15	8	matter	matter	NOUN
fsr-3370	15	9	©	©	PROPN
fsr-3370	15	10	2017	2017	NUM
fsr-3370	15	11	academy	academy	NOUN
fsr-3370	15	12	of	of	ADP
fsr-3370	15	13	financial	financial	ADJ
fsr-3370	15	14	services	service	NOUN
fsr-3370	15	15	.	.	PUNCT
fsr-3370	16	1	all	all	DET
fsr-3370	16	2	rights	right	NOUN
fsr-3370	16	3	reserved	reserve	VERB
fsr-3370	16	4	.	.	PUNCT
fsr-3370	17	1	1	1	X
fsr-3370	17	2	.	.	X
fsr-3370	17	3	introduction	introduction	NOUN
fsr-3370	17	4	understanding	understand	VERB
fsr-3370	17	5	appropriate	appropriate	ADJ
fsr-3370	17	6	investment	investment	NOUN
fsr-3370	17	7	options	option	NOUN
fsr-3370	17	8	and	and	CCONJ
fsr-3370	17	9	recommending	recommend	VERB
fsr-3370	17	10	a	a	DET
fsr-3370	17	11	suitable	suitable	ADJ
fsr-3370	17	12	allocation	allocation	NOUN
fsr-3370	17	13	of	of	ADP
fsr-3370	17	14	a	a	DET
fsr-3370	17	15	client	client	NOUN
fsr-3370	17	16	’s	’s	PART
fsr-3370	17	17	assets	asset	NOUN
fsr-3370	17	18	is	be	AUX
fsr-3370	17	19	a	a	DET
fsr-3370	17	20	key	key	ADJ
fsr-3370	17	21	component	component	NOUN
fsr-3370	17	22	of	of	ADP
fsr-3370	17	23	a	a	DET
fsr-3370	17	24	well	well	ADV
fsr-3370	17	25	-	-	PUNCT
fsr-3370	17	26	drafted	draft	VERB
fsr-3370	17	27	comprehensive	comprehensive	ADJ
fsr-3370	17	28	financial	financial	ADJ
fsr-3370	17	29	plan	plan	NOUN
fsr-3370	17	30	.	.	PUNCT
fsr-3370	18	1	accurate	accurate	ADJ
fsr-3370	18	2	assessment	assessment	NOUN
fsr-3370	18	3	of	of	ADP
fsr-3370	18	4	financial	financial	ADJ
fsr-3370	18	5	risk	risk	NOUN
fsr-3370	18	6	tolerance	tolerance	NOUN
fsr-3370	18	7	,	,	PUNCT
fsr-3370	18	8	as	as	ADP
fsr-3370	18	9	an	an	DET
fsr-3370	18	10	element	element	NOUN
fsr-3370	18	11	of	of	ADP
fsr-3370	18	12	the	the	DET
fsr-3370	18	13	asset	asset	NOUN
fsr-3370	18	14	allocation	allocation	NOUN
fsr-3370	18	15	process	process	NOUN
fsr-3370	18	16	,	,	PUNCT
fsr-3370	18	17	is	be	AUX
fsr-3370	18	18	generally	generally	ADV
fsr-3370	18	19	accepted	accept	VERB
fsr-3370	18	20	as	as	ADP
fsr-3370	18	21	an	an	DET
fsr-3370	18	22	essential	essential	ADJ
fsr-3370	18	23	condition	condition	NOUN
fsr-3370	18	24	to	to	ADP
fsr-3370	18	25	developing	develop	VERB
fsr-3370	18	26	a	a	DET
fsr-3370	18	27	suitable	suitable	ADJ
fsr-3370	18	28	and	and	CCONJ
fsr-3370	18	29	quality	quality	NOUN
fsr-3370	18	30	financial	financial	ADJ
fsr-3370	18	31	plan	plan	NOUN
fsr-3370	18	32	for	for	ADP
fsr-3370	18	33	individuals	individual	NOUN
fsr-3370	18	34	(	(	PUNCT
fsr-3370	18	35	cfp	cfp	PROPN
fsr-3370	18	36	board	board	NOUN
fsr-3370	18	37	,	,	PUNCT
fsr-3370	18	38	2015	2015	NUM
fsr-3370	18	39	)	)	PUNCT
fsr-3370	18	40	.	.	PUNCT
fsr-3370	19	1	for	for	ADP
fsr-3370	19	2	those	those	PRON
fsr-3370	19	3	working	work	VERB
fsr-3370	19	4	as	as	ADP
fsr-3370	19	5	a	a	DET
fsr-3370	19	6	financial	financial	ADJ
fsr-3370	19	7	planner	planner	NOUN
fsr-3370	19	8	,	,	PUNCT
fsr-3370	19	9	financial	financial	ADJ
fsr-3370	19	10	risk	risk	NOUN
fsr-3370	19	11	tolerance	tolerance	NOUN
fsr-3370	19	12	(	(	PUNCT
fsr-3370	19	13	frt	frt	NOUN
fsr-3370	19	14	)	)	PUNCT
fsr-3370	19	15	can	can	AUX
fsr-3370	19	16	be	be	AUX
fsr-3370	19	17	defined	define	VERB
fsr-3370	19	18	parsimoniously	parsimoniously	ADV
fsr-3370	19	19	as	as	ADP
fsr-3370	19	20	an	an	DET
fsr-3370	19	21	individual	individual	NOUN
fsr-3370	19	22	’s	’s	PART
fsr-3370	19	23	willingness	willingness	NOUN
fsr-3370	19	24	to	to	PART
fsr-3370	19	25	take	take	VERB
fsr-3370	19	26	risk	risk	NOUN
fsr-3370	19	27	(	(	PUNCT
fsr-3370	19	28	dalton	dalton	PROPN
fsr-3370	19	29	and	and	CCONJ
fsr-3370	19	30	dalton	dalton	PROPN
fsr-3370	19	31	,	,	PUNCT
fsr-3370	19	32	2004	2004	NUM
fsr-3370	19	33	)	)	PUNCT
fsr-3370	19	34	.	.	PUNCT
fsr-3370	20	1	in	in	ADP
fsr-3370	20	2	the	the	DET
fsr-3370	20	3	information	information	NOUN
fsr-3370	20	4	and	and	CCONJ
fsr-3370	20	5	data	datum	NOUN
fsr-3370	20	6	gathering	gathering	NOUN
fsr-3370	20	7	stage	stage	NOUN
fsr-3370	20	8	of	of	ADP
fsr-3370	20	9	client	client	NOUN
fsr-3370	20	10	work	work	NOUN
fsr-3370	20	11	,	,	PUNCT
fsr-3370	20	12	a	a	DET
fsr-3370	20	13	suitable	suitable	ADJ
fsr-3370	20	14	risk	risk	NOUN
fsr-3370	20	15	assessment	assessment	NOUN
fsr-3370	20	16	is	be	AUX
fsr-3370	20	17	generally	generally	ADV
fsr-3370	20	18	required	require	VERB
fsr-3370	20	19	to	to	PART
fsr-3370	20	20	be	be	AUX
fsr-3370	20	21	used	use	VERB
fsr-3370	20	22	to	to	PART
fsr-3370	20	23	meet	meet	VERB
fsr-3370	20	24	regulatory	regulatory	ADJ
fsr-3370	20	25	requirements	requirement	NOUN
fsr-3370	20	26	,	,	PUNCT
fsr-3370	20	27	as	as	ADV
fsr-3370	20	28	well	well	ADV
fsr-3370	20	29	as	as	ADP
fsr-3370	20	30	to	to	PART
fsr-3370	20	31	formulate	formulate	VERB
fsr-3370	20	32	the	the	DET
fsr-3370	20	33	best	good	ADJ
fsr-3370	20	34	plan	plan	NOUN
fsr-3370	20	35	for	for	ADP
fsr-3370	20	36	an	an	DET
fsr-3370	20	37	individual	individual	ADJ
fsr-3370	20	38	(	(	PUNCT
fsr-3370	20	39	roszkowski	roszkowski	NOUN
fsr-3370	20	40	and	and	CCONJ
fsr-3370	20	41	davey	davey	NOUN
fsr-3370	20	42	,	,	PUNCT
fsr-3370	20	43	2010	2010	NUM
fsr-3370	20	44	)	)	PUNCT
fsr-3370	20	45	.	.	PUNCT
fsr-3370	21	1	understanding	understand	VERB
fsr-3370	21	2	how	how	SCONJ
fsr-3370	21	3	a	a	DET
fsr-3370	21	4	person	person	NOUN
fsr-3370	21	5	’s	’s	PART
fsr-3370	21	6	frt	frt	NOUN
fsr-3370	21	7	influences	influence	VERB
fsr-3370	21	8	decision	decision	NOUN
fsr-3370	21	9	making	making	NOUN
fsr-3370	21	10	and	and	CCONJ
fsr-3370	21	11	behavior	behavior	NOUN
fsr-3370	21	12	is	be	AUX
fsr-3370	21	13	becoming	become	VERB
fsr-3370	21	14	an	an	DET
fsr-3370	21	15	increasingly	increasingly	ADV
fsr-3370	21	16	important	important	ADJ
fsr-3370	21	17	aspect	aspect	NOUN
fsr-3370	21	18	of	of	ADP
fsr-3370	21	19	how	how	SCONJ
fsr-3370	21	20	financial	financial	ADJ
fsr-3370	21	21	planners	planner	NOUN
fsr-3370	21	22	formulate	formulate	VERB
fsr-3370	21	23	and	and	CCONJ
fsr-3370	21	24	execute	execute	VERB
fsr-3370	21	25	recommendations	recommendation	NOUN
fsr-3370	21	26	.	.	PUNCT
fsr-3370	22	1	for	for	ADP
fsr-3370	22	2	researchers	researcher	NOUN
fsr-3370	22	3	,	,	PUNCT
fsr-3370	22	4	practitioners	practitioner	NOUN
fsr-3370	22	5	,	,	PUNCT
fsr-3370	22	6	policy	policy	NOUN
fsr-3370	22	7	makers	maker	NOUN
fsr-3370	22	8	,	,	PUNCT
fsr-3370	22	9	economists	economist	NOUN
fsr-3370	22	10	,	,	PUNCT
fsr-3370	22	11	and	and	CCONJ
fsr-3370	22	12	financial	financial	ADJ
fsr-3370	22	13	professionals	professional	NOUN
fsr-3370	22	14	,	,	PUNCT
fsr-3370	22	15	understanding	understand	VERB
fsr-3370	22	16	the	the	DET
fsr-3370	22	17	role	role	NOUN
fsr-3370	22	18	of	of	ADP
fsr-3370	22	19	risk	risk	NOUN
fsr-3370	22	20	and	and	CCONJ
fsr-3370	22	21	frt	frt	NOUN
fsr-3370	22	22	is	be	AUX
fsr-3370	22	23	closely	closely	ADV
fsr-3370	22	24	linked	link	VERB
fsr-3370	22	25	to	to	ADP
fsr-3370	22	26	better	well	ADV
fsr-3370	22	27	understanding	understand	VERB
fsr-3370	22	28	the	the	DET
fsr-3370	22	29	mechanics	mechanic	NOUN
fsr-3370	22	30	that	that	PRON
fsr-3370	22	31	combine	combine	VERB
fsr-3370	22	32	to	to	PART
fsr-3370	22	33	influence	influence	VERB
fsr-3370	22	34	an	an	DET
fsr-3370	22	35	individual	individual	NOUN
fsr-3370	22	36	’s	’s	PART
fsr-3370	22	37	behavior	behavior	NOUN
fsr-3370	22	38	(	(	PUNCT
fsr-3370	22	39	xiao	xiao	PROPN
fsr-3370	22	40	,	,	PUNCT
fsr-3370	22	41	2008	2008	NUM
fsr-3370	22	42	)	)	PUNCT
fsr-3370	22	43	.	.	PUNCT
fsr-3370	23	1	frt	frt	PROPN
fsr-3370	23	2	assessment	assessment	NOUN
fsr-3370	23	3	serves	serve	VERB
fsr-3370	23	4	as	as	ADP
fsr-3370	23	5	a	a	DET
fsr-3370	23	6	foundation	foundation	NOUN
fsr-3370	23	7	for	for	ADP
fsr-3370	23	8	nearly	nearly	ADV
fsr-3370	23	9	all	all	PRON
fsr-3370	23	10	financial	financial	ADJ
fsr-3370	23	11	planning	planning	NOUN
fsr-3370	23	12	models	model	NOUN
fsr-3370	23	13	,	,	PUNCT
fsr-3370	23	14	frameworks	framework	NOUN
fsr-3370	23	15	,	,	PUNCT
fsr-3370	23	16	and	and	CCONJ
fsr-3370	23	17	recommendations	recommendation	NOUN
fsr-3370	23	18	.	.	PUNCT
fsr-3370	24	1	a	a	DET
fsr-3370	24	2	well	well	ADV
fsr-3370	24	3	-	-	PUNCT
fsr-3370	24	4	designed	design	VERB
fsr-3370	24	5	frt	frt	NOUN
fsr-3370	24	6	assessment	assessment	NOUN
fsr-3370	24	7	is	be	AUX
fsr-3370	24	8	a	a	DET
fsr-3370	24	9	tool	tool	NOUN
fsr-3370	24	10	that	that	PRON
fsr-3370	24	11	can	can	AUX
fsr-3370	24	12	be	be	AUX
fsr-3370	24	13	used	use	VERB
fsr-3370	24	14	to	to	PART
fsr-3370	24	15	anticipate	anticipate	VERB
fsr-3370	24	16	an	an	DET
fsr-3370	24	17	individual	individual	NOUN
fsr-3370	24	18	’s	’s	PART
fsr-3370	24	19	decisions	decision	NOUN
fsr-3370	24	20	,	,	PUNCT
fsr-3370	24	21	determine	determine	VERB
fsr-3370	24	22	optimal	optimal	ADJ
fsr-3370	24	23	financial	financial	ADJ
fsr-3370	24	24	choices	choice	NOUN
fsr-3370	24	25	,	,	PUNCT
fsr-3370	24	26	and	and	CCONJ
fsr-3370	24	27	maximize	maximize	VERB
fsr-3370	24	28	utility	utility	NOUN
fsr-3370	24	29	under	under	ADP
fsr-3370	24	30	the	the	DET
fsr-3370	24	31	constraint	constraint	NOUN
fsr-3370	24	32	of	of	ADP
fsr-3370	24	33	imperfect	imperfect	ADJ
fsr-3370	24	34	knowledge	knowledge	NOUN
fsr-3370	24	35	.	.	PUNCT
fsr-3370	25	1	one	one	NUM
fsr-3370	25	2	question	question	NOUN
fsr-3370	25	3	related	relate	VERB
fsr-3370	25	4	to	to	ADP
fsr-3370	25	5	the	the	DET
fsr-3370	25	6	study	study	NOUN
fsr-3370	25	7	of	of	ADP
fsr-3370	25	8	frt	frt	NOUN
fsr-3370	25	9	is	be	AUX
fsr-3370	25	10	of	of	ADP
fsr-3370	25	11	particular	particular	ADJ
fsr-3370	25	12	importance	importance	NOUN
fsr-3370	25	13	,	,	PUNCT
fsr-3370	25	14	specifically	specifically	ADV
fsr-3370	25	15	:	:	PUNCT
fsr-3370	25	16	does	do	AUX
fsr-3370	25	17	frt	frt	NOUN
fsr-3370	25	18	change	change	VERB
fsr-3370	25	19	over	over	ADP
fsr-3370	25	20	time	time	NOUN
fsr-3370	25	21	?	?	PUNCT
fsr-3370	26	1	the	the	DET
fsr-3370	26	2	concept	concept	NOUN
fsr-3370	26	3	of	of	ADP
fsr-3370	26	4	frt	frt	NOUN
fsr-3370	26	5	“	"	PUNCT
fsr-3370	26	6	traitedness	traitedness	NOUN
fsr-3370	26	7	”	"	PUNCT
fsr-3370	26	8	is	be	AUX
fsr-3370	26	9	gaining	gain	VERB
fsr-3370	26	10	traction	traction	NOUN
fsr-3370	26	11	as	as	ADP
fsr-3370	26	12	a	a	DET
fsr-3370	26	13	way	way	NOUN
fsr-3370	26	14	to	to	PART
fsr-3370	26	15	answer	answer	VERB
fsr-3370	26	16	the	the	DET
fsr-3370	26	17	question	question	NOUN
fsr-3370	26	18	of	of	ADP
fsr-3370	26	19	how	how	SCONJ
fsr-3370	26	20	much	much	ADJ
fsr-3370	26	21	an	an	DET
fsr-3370	26	22	individual	individual	NOUN
fsr-3370	26	23	’s	’s	PART
fsr-3370	26	24	frt	frt	NOUN
fsr-3370	26	25	deviates	deviate	VERB
fsr-3370	26	26	over	over	ADP
fsr-3370	26	27	time	time	NOUN
fsr-3370	26	28	(	(	PUNCT
fsr-3370	26	29	roszkowski	roszkowski	NOUN
fsr-3370	26	30	,	,	PUNCT
fsr-3370	26	31	delaney	delaney	NOUN
fsr-3370	26	32	,	,	PUNCT
fsr-3370	26	33	and	and	CCONJ
fsr-3370	26	34	cordell	cordell	PROPN
fsr-3370	26	35	,	,	PUNCT
fsr-3370	26	36	2009	2009	NUM
fsr-3370	26	37	)	)	PUNCT
fsr-3370	26	38	.	.	PUNCT
fsr-3370	27	1	the	the	DET
fsr-3370	27	2	extent	extent	NOUN
fsr-3370	27	3	to	to	PART
fsr-3370	27	4	which	which	PRON
fsr-3370	27	5	people	people	NOUN
fsr-3370	27	6	will	will	AUX
fsr-3370	27	7	exhibit	exhibit	VERB
fsr-3370	27	8	a	a	DET
fsr-3370	27	9	personality	personality	NOUN
fsr-3370	27	10	trait	trait	NOUN
fsr-3370	27	11	in	in	ADP
fsr-3370	27	12	behaviors	behavior	NOUN
fsr-3370	27	13	across	across	ADP
fsr-3370	27	14	different	different	ADJ
fsr-3370	27	15	situations	situation	NOUN
fsr-3370	27	16	and	and	CCONJ
fsr-3370	27	17	contexts	contexts	NOUN
fsr-3370	27	18	defines	define	VERB
fsr-3370	27	19	traitedness	traitedness	VERB
fsr-3370	27	20	(	(	PUNCT
fsr-3370	27	21	baumeister	baumeister	NOUN
fsr-3370	27	22	and	and	CCONJ
fsr-3370	27	23	tice	tice	NOUN
fsr-3370	27	24	,	,	PUNCT
fsr-3370	27	25	1988	1988	NUM
fsr-3370	27	26	)	)	PUNCT
fsr-3370	27	27	.	.	PUNCT
fsr-3370	28	1	for	for	ADP
fsr-3370	28	2	financial	financial	ADJ
fsr-3370	28	3	planners	planner	NOUN
fsr-3370	28	4	,	,	PUNCT
fsr-3370	28	5	policy	policy	NOUN
fsr-3370	28	6	makers	maker	NOUN
fsr-3370	28	7	,	,	PUNCT
fsr-3370	28	8	and	and	CCONJ
fsr-3370	28	9	researchers	researcher	NOUN
fsr-3370	28	10	,	,	PUNCT
fsr-3370	28	11	answering	answer	VERB
fsr-3370	28	12	the	the	DET
fsr-3370	28	13	question	question	NOUN
fsr-3370	28	14	of	of	ADP
fsr-3370	28	15	how	how	SCONJ
fsr-3370	28	16	much	much	ADJ
fsr-3370	28	17	an	an	DET
fsr-3370	28	18	individual	individual	NOUN
fsr-3370	28	19	’s	’s	PART
fsr-3370	28	20	frt	frt	NOUN
fsr-3370	28	21	changes	change	NOUN
fsr-3370	28	22	(	(	PUNCT
fsr-3370	28	23	if	if	SCONJ
fsr-3370	28	24	at	at	ADV
fsr-3370	28	25	all	all	ADV
fsr-3370	28	26	)	)	PUNCT
fsr-3370	28	27	across	across	ADP
fsr-3370	28	28	time	time	NOUN
fsr-3370	28	29	is	be	AUX
fsr-3370	28	30	needed	need	VERB
fsr-3370	28	31	to	to	PART
fsr-3370	28	32	fully	fully	ADV
fsr-3370	28	33	understand	understand	VERB
fsr-3370	28	34	how	how	SCONJ
fsr-3370	28	35	clients	client	NOUN
fsr-3370	28	36	will	will	AUX
fsr-3370	28	37	react	react	VERB
fsr-3370	28	38	in	in	ADP
fsr-3370	28	39	a	a	DET
fsr-3370	28	40	variety	variety	NOUN
fsr-3370	28	41	of	of	ADP
fsr-3370	28	42	situations	situation	NOUN
fsr-3370	28	43	and	and	CCONJ
fsr-3370	28	44	within	within	ADP
fsr-3370	28	45	the	the	DET
fsr-3370	28	46	context	context	NOUN
fsr-3370	28	47	of	of	ADP
fsr-3370	28	48	changing	change	VERB
fsr-3370	28	49	macroeconomic	macroeconomic	ADJ
fsr-3370	28	50	environments	environment	NOUN
fsr-3370	28	51	.	.	PUNCT
fsr-3370	29	1	the	the	DET
fsr-3370	29	2	purpose	purpose	NOUN
fsr-3370	29	3	of	of	ADP
fsr-3370	29	4	this	this	DET
fsr-3370	29	5	study	study	NOUN
fsr-3370	29	6	was	be	AUX
fsr-3370	29	7	to	to	PART
fsr-3370	29	8	document	document	VERB
fsr-3370	29	9	changes	change	NOUN
fsr-3370	29	10	in	in	ADP
fsr-3370	29	11	frt	frt	NOUN
fsr-3370	29	12	across	across	ADP
fsr-3370	29	13	time	time	NOUN
fsr-3370	29	14	.	.	PUNCT
fsr-3370	30	1	an	an	DET
fsr-3370	30	2	important	important	ADJ
fsr-3370	30	3	aspect	aspect	NOUN
fsr-3370	30	4	of	of	ADP
fsr-3370	30	5	the	the	DET
fsr-3370	30	6	study	study	NOUN
fsr-3370	30	7	was	be	AUX
fsr-3370	30	8	to	to	PART
fsr-3370	30	9	test	test	VERB
fsr-3370	30	10	whether	whether	SCONJ
fsr-3370	30	11	macroeconomic	macroeconomic	ADJ
fsr-3370	30	12	variables	variable	NOUN
fsr-3370	30	13	and	and	CCONJ
fsr-3370	30	14	social	social	ADJ
fsr-3370	30	15	support	support	NOUN
fsr-3370	30	16	,	,	PUNCT
fsr-3370	30	17	as	as	SCONJ
fsr-3370	30	18	indicated	indicate	VERB
fsr-3370	30	19	by	by	ADP
fsr-3370	30	20	country	country	NOUN
fsr-3370	30	21	of	of	ADP
fsr-3370	30	22	residence	residence	NOUN
fsr-3370	30	23	,	,	PUNCT
fsr-3370	30	24	were	be	AUX
fsr-3370	30	25	associated	associate	VERB
fsr-3370	30	26	with	with	ADP
fsr-3370	30	27	changes	change	NOUN
fsr-3370	30	28	in	in	ADP
fsr-3370	30	29	frt	frt	NOUN
fsr-3370	30	30	at	at	ADP
fsr-3370	30	31	the	the	DET
fsr-3370	30	32	individual/	individual/	NUM
fsr-3370	30	33	household	household	NOUN
fsr-3370	30	34	level	level	NOUN
fsr-3370	30	35	.	.	PUNCT
fsr-3370	31	1	results	result	NOUN
fsr-3370	31	2	from	from	ADP
fsr-3370	31	3	this	this	DET
fsr-3370	31	4	study	study	NOUN
fsr-3370	31	5	help	help	NOUN
fsr-3370	31	6	expand	expand	VERB
fsr-3370	31	7	the	the	DET
fsr-3370	31	8	existing	exist	VERB
fsr-3370	31	9	literature	literature	NOUN
fsr-3370	31	10	on	on	ADP
fsr-3370	31	11	the	the	DET
fsr-3370	31	12	degree	degree	NOUN
fsr-3370	31	13	to	to	PART
fsr-3370	31	14	which	which	PRON
fsr-3370	31	15	frt	frt	NOUN
fsr-3370	31	16	changes	change	VERB
fsr-3370	31	17	over	over	ADP
fsr-3370	31	18	time	time	NOUN
fsr-3370	31	19	.	.	PUNCT
fsr-3370	32	1	furthermore	furthermore	ADV
fsr-3370	32	2	,	,	PUNCT
fsr-3370	32	3	results	result	NOUN
fsr-3370	32	4	provide	provide	VERB
fsr-3370	32	5	an	an	DET
fsr-3370	32	6	insight	insight	NOUN
fsr-3370	32	7	into	into	ADP
fsr-3370	32	8	the	the	DET
fsr-3370	32	9	role	role	NOUN
fsr-3370	32	10	macroeconomic	macroeconomic	ADJ
fsr-3370	32	11	and	and	CCONJ
fsr-3370	32	12	household	household	NOUN
fsr-3370	32	13	level	level	NOUN
fsr-3370	32	14	variables	variable	NOUN
fsr-3370	32	15	play	play	VERB
fsr-3370	32	16	in	in	ADP
fsr-3370	32	17	shaping	shape	VERB
fsr-3370	32	18	changes	change	NOUN
fsr-3370	32	19	in	in	ADP
fsr-3370	32	20	frt	frt	NOUN
fsr-3370	32	21	.	.	PUNCT
fsr-3370	33	1	2	2	X
fsr-3370	33	2	.	.	X
fsr-3370	33	3	research	research	NOUN
fsr-3370	33	4	framework	framework	NOUN
fsr-3370	33	5	if	if	SCONJ
fsr-3370	33	6	the	the	DET
fsr-3370	33	7	assumption	assumption	NOUN
fsr-3370	33	8	that	that	SCONJ
fsr-3370	33	9	frt	frt	NOUN
fsr-3370	33	10	is	be	AUX
fsr-3370	33	11	an	an	DET
fsr-3370	33	12	essential	essential	ADJ
fsr-3370	33	13	element	element	NOUN
fsr-3370	33	14	in	in	ADP
fsr-3370	33	15	the	the	DET
fsr-3370	33	16	development	development	NOUN
fsr-3370	33	17	of	of	ADP
fsr-3370	33	18	an	an	DET
fsr-3370	33	19	accurate	accurate	ADJ
fsr-3370	33	20	and	and	CCONJ
fsr-3370	33	21	acceptable	acceptable	ADJ
fsr-3370	33	22	comprehensive	comprehensive	ADJ
fsr-3370	33	23	financial	financial	ADJ
fsr-3370	33	24	plan	plan	NOUN
fsr-3370	33	25	is	be	AUX
fsr-3370	33	26	true	true	ADJ
fsr-3370	33	27	,	,	PUNCT
fsr-3370	33	28	it	it	PRON
fsr-3370	33	29	then	then	ADV
fsr-3370	33	30	follows	follow	VERB
fsr-3370	33	31	that	that	SCONJ
fsr-3370	33	32	understanding	understand	VERB
fsr-3370	33	33	its	its	PRON
fsr-3370	33	34	malleability	malleability	NOUN
fsr-3370	33	35	over	over	ADP
fsr-3370	33	36	time	time	NOUN
fsr-3370	33	37	is	be	AUX
fsr-3370	33	38	an	an	DET
fsr-3370	33	39	important	important	ADJ
fsr-3370	33	40	aspect	aspect	NOUN
fsr-3370	33	41	to	to	PART
fsr-3370	33	42	consider	consider	VERB
fsr-3370	33	43	in	in	ADP
fsr-3370	33	44	the	the	DET
fsr-3370	33	45	financial	financial	ADJ
fsr-3370	33	46	planning	planning	NOUN
fsr-3370	33	47	process	process	NOUN
fsr-3370	33	48	.	.	PUNCT
fsr-3370	34	1	roszkowski	roszkowski	NOUN
fsr-3370	34	2	and	and	CCONJ
fsr-3370	34	3	davey	davey	NOUN
fsr-3370	34	4	(	(	PUNCT
fsr-3370	34	5	2010	2010	NUM
fsr-3370	34	6	)	)	PUNCT
fsr-3370	34	7	delved	delve	VERB
fsr-3370	34	8	deeply	deeply	ADV
fsr-3370	34	9	into	into	ADP
fsr-3370	34	10	how	how	SCONJ
fsr-3370	34	11	major	major	ADJ
fsr-3370	34	12	events	event	NOUN
fsr-3370	34	13	,	,	PUNCT
fsr-3370	34	14	like	like	ADP
fsr-3370	34	15	the	the	DET
fsr-3370	34	16	global	global	ADJ
fsr-3370	34	17	financial	financial	ADJ
fsr-3370	34	18	crisis	crisis	NOUN
fsr-3370	34	19	,	,	PUNCT
fsr-3370	34	20	can	can	AUX
fsr-3370	34	21	affect	affect	VERB
fsr-3370	34	22	an	an	DET
fsr-3370	34	23	individual	individual	NOUN
fsr-3370	34	24	’s	’s	PART
fsr-3370	34	25	measured	measure	VERB
fsr-3370	34	26	frt	frt	NOUN
fsr-3370	34	27	.	.	PUNCT
fsr-3370	35	1	they	they	PRON
fsr-3370	35	2	noted	note	VERB
fsr-3370	35	3	that	that	SCONJ
fsr-3370	35	4	some	some	DET
fsr-3370	35	5	view	view	NOUN
fsr-3370	35	6	frt	frt	NOUN
fsr-3370	35	7	as	as	ADP
fsr-3370	35	8	a	a	DET
fsr-3370	35	9	completely	completely	ADV
fsr-3370	35	10	stable	stable	ADJ
fsr-3370	35	11	characteristic	characteristic	NOUN
fsr-3370	35	12	(	(	PUNCT
fsr-3370	35	13	trait	trait	NOUN
fsr-3370	35	14	)	)	PUNCT
fsr-3370	35	15	,	,	PUNCT
fsr-3370	35	16	while	while	SCONJ
fsr-3370	35	17	others	other	NOUN
fsr-3370	35	18	view	view	VERB
fsr-3370	35	19	frt	frt	NOUN
fsr-3370	35	20	as	as	ADP
fsr-3370	35	21	something	something	PRON
fsr-3370	35	22	that	that	PRON
fsr-3370	35	23	varies	vary	VERB
fsr-3370	35	24	316	316	NUM
fsr-3370	35	25	s.	s.	PROPN
fsr-3370	35	26	kuzniak	kuzniak	PROPN
fsr-3370	35	27	,	,	PUNCT
fsr-3370	35	28	j.e	j.e	PROPN
fsr-3370	35	29	.	.	PROPN
fsr-3370	35	30	grable	grable	PROPN
fsr-3370	35	31	/	/	SYM
fsr-3370	35	32	financial	financial	ADJ
fsr-3370	35	33	services	service	NOUN
fsr-3370	35	34	review	review	VERB
fsr-3370	35	35	26	26	NUM
fsr-3370	35	36	(	(	PUNCT
fsr-3370	35	37	2017	2017	NUM
fsr-3370	35	38	)	)	PUNCT
fsr-3370	35	39	315–338	315–338	NUM
fsr-3370	35	40	depending	depend	VERB
fsr-3370	35	41	on	on	ADP
fsr-3370	35	42	the	the	DET
fsr-3370	35	43	mood	mood	NOUN
fsr-3370	35	44	or	or	CCONJ
fsr-3370	35	45	environment	environment	NOUN
fsr-3370	35	46	of	of	ADP
fsr-3370	35	47	the	the	DET
fsr-3370	35	48	test	test	NOUN
fsr-3370	35	49	taker	taker	NOUN
fsr-3370	35	50	(	(	PUNCT
fsr-3370	35	51	state	state	NOUN
fsr-3370	35	52	)	)	PUNCT
fsr-3370	35	53	.	.	PUNCT
fsr-3370	36	1	however	however	ADV
fsr-3370	36	2	,	,	PUNCT
fsr-3370	36	3	they	they	PRON
fsr-3370	36	4	concluded	conclude	VERB
fsr-3370	36	5	,	,	PUNCT
fsr-3370	36	6	based	base	VERB
fsr-3370	36	7	on	on	ADP
fsr-3370	36	8	a	a	DET
fsr-3370	36	9	review	review	NOUN
fsr-3370	36	10	of	of	ADP
fsr-3370	36	11	the	the	DET
fsr-3370	36	12	literature	literature	NOUN
fsr-3370	36	13	and	and	CCONJ
fsr-3370	36	14	their	their	PRON
fsr-3370	36	15	own	own	ADJ
fsr-3370	36	16	experience	experience	NOUN
fsr-3370	36	17	,	,	PUNCT
fsr-3370	36	18	that	that	SCONJ
fsr-3370	36	19	frt	frt	NOUN
fsr-3370	36	20	is	be	AUX
fsr-3370	36	21	relatively	relatively	ADV
fsr-3370	36	22	stable	stable	ADJ
fsr-3370	36	23	over	over	ADP
fsr-3370	36	24	time	time	NOUN
fsr-3370	36	25	but	but	CCONJ
fsr-3370	36	26	somewhat	somewhat	ADV
fsr-3370	36	27	susceptible	susceptible	ADJ
fsr-3370	36	28	to	to	ADP
fsr-3370	36	29	situational	situational	ADJ
fsr-3370	36	30	influences	influence	NOUN
fsr-3370	36	31	and	and	CCONJ
fsr-3370	36	32	life	life	NOUN
fsr-3370	36	33	circumstances	circumstance	NOUN
fsr-3370	36	34	.	.	PUNCT
fsr-3370	37	1	the	the	DET
fsr-3370	37	2	implications	implication	NOUN
fsr-3370	37	3	of	of	ADP
fsr-3370	37	4	this	this	DET
fsr-3370	37	5	insight	insight	NOUN
fsr-3370	37	6	are	be	AUX
fsr-3370	37	7	important	important	ADJ
fsr-3370	37	8	for	for	SCONJ
fsr-3370	37	9	financial	financial	ADJ
fsr-3370	37	10	planners	planner	NOUN
fsr-3370	37	11	to	to	PART
fsr-3370	37	12	contemplate	contemplate	VERB
fsr-3370	37	13	,	,	PUNCT
fsr-3370	37	14	especially	especially	ADV
fsr-3370	37	15	considering	consider	VERB
fsr-3370	37	16	the	the	DET
fsr-3370	37	17	unique	unique	ADJ
fsr-3370	37	18	nature	nature	NOUN
fsr-3370	37	19	of	of	ADP
fsr-3370	37	20	the	the	DET
fsr-3370	37	21	field	field	NOUN
fsr-3370	37	22	in	in	ADP
fsr-3370	37	23	which	which	PRON
fsr-3370	37	24	multidecade	multidecade	NOUN
fsr-3370	37	25	relationships	relationship	NOUN
fsr-3370	37	26	are	be	AUX
fsr-3370	37	27	common	common	ADJ
fsr-3370	37	28	.	.	PUNCT
fsr-3370	38	1	to	to	PART
fsr-3370	38	2	fully	fully	ADV
fsr-3370	38	3	understand	understand	VERB
fsr-3370	38	4	the	the	DET
fsr-3370	38	5	impact	impact	NOUN
fsr-3370	38	6	different	different	ADJ
fsr-3370	38	7	variable	variable	ADJ
fsr-3370	38	8	relationships	relationship	NOUN
fsr-3370	38	9	have	have	VERB
fsr-3370	38	10	on	on	ADP
fsr-3370	38	11	an	an	DET
fsr-3370	38	12	individual	individual	NOUN
fsr-3370	38	13	’s	’s	PART
fsr-3370	38	14	willingness	willingness	NOUN
fsr-3370	38	15	to	to	PART
fsr-3370	38	16	take	take	VERB
fsr-3370	38	17	risk	risk	NOUN
fsr-3370	38	18	,	,	PUNCT
fsr-3370	38	19	a	a	DET
fsr-3370	38	20	model	model	NOUN
fsr-3370	38	21	was	be	AUX
fsr-3370	38	22	developed	develop	VERB
fsr-3370	38	23	specifically	specifically	ADV
fsr-3370	38	24	for	for	ADP
fsr-3370	38	25	this	this	DET
fsr-3370	38	26	study	study	NOUN
fsr-3370	38	27	.	.	PUNCT
fsr-3370	39	1	this	this	DET
fsr-3370	39	2	model	model	NOUN
fsr-3370	39	3	uniquely	uniquely	ADV
fsr-3370	39	4	includes	include	VERB
fsr-3370	39	5	propositions	proposition	NOUN
fsr-3370	39	6	about	about	ADP
fsr-3370	39	7	the	the	DET
fsr-3370	39	8	associations	association	NOUN
fsr-3370	39	9	between	between	ADP
fsr-3370	39	10	and	and	CCONJ
fsr-3370	39	11	among	among	ADP
fsr-3370	39	12	macroeconomic	macroeconomic	ADJ
fsr-3370	39	13	variables	variable	NOUN
fsr-3370	39	14	,	,	PUNCT
fsr-3370	39	15	demographic	demographic	ADJ
fsr-3370	39	16	factors	factor	NOUN
fsr-3370	39	17	,	,	PUNCT
fsr-3370	39	18	and	and	CCONJ
fsr-3370	39	19	social	social	ADJ
fsr-3370	39	20	support	support	NOUN
fsr-3370	39	21	and	and	CCONJ
fsr-3370	39	22	frt	frt	NOUN
fsr-3370	39	23	.	.	PUNCT
fsr-3370	40	1	the	the	DET
fsr-3370	40	2	model	model	NOUN
fsr-3370	40	3	is	be	AUX
fsr-3370	40	4	shown	show	VERB
fsr-3370	40	5	in	in	ADP
fsr-3370	40	6	fig	fig	NOUN
fsr-3370	40	7	.	.	PUNCT
fsr-3370	41	1	1	1	X
fsr-3370	41	2	.	.	PUNCT
fsr-3370	41	3	the	the	DET
fsr-3370	41	4	model	model	NOUN
fsr-3370	41	5	was	be	AUX
fsr-3370	41	6	developed	develop	VERB
fsr-3370	41	7	using	use	VERB
fsr-3370	41	8	concepts	concept	NOUN
fsr-3370	41	9	from	from	ADP
fsr-3370	41	10	three	three	NUM
fsr-3370	41	11	frameworks	framework	NOUN
fsr-3370	41	12	of	of	ADP
fsr-3370	41	13	risk	risk	NOUN
fsr-3370	41	14	taking	taking	NOUN
fsr-3370	41	15	:	:	PUNCT
fsr-3370	41	16	macroeconomic	macroeconomic	ADJ
fsr-3370	41	17	theory	theory	NOUN
fsr-3370	41	18	,	,	PUNCT
fsr-3370	41	19	the	the	DET
fsr-3370	41	20	cushion	cushion	NOUN
fsr-3370	41	21	hypothesis	hypothesis	NOUN
fsr-3370	41	22	,	,	PUNCT
fsr-3370	41	23	and	and	CCONJ
fsr-3370	41	24	a	a	DET
fsr-3370	41	25	model	model	NOUN
fsr-3370	41	26	of	of	ADP
fsr-3370	41	27	the	the	DET
fsr-3370	41	28	determinants	determinant	NOUN
fsr-3370	41	29	of	of	ADP
fsr-3370	41	30	risk	risk	NOUN
fsr-3370	41	31	taking	taking	NOUN
fsr-3370	41	32	developed	develop	VERB
fsr-3370	41	33	by	by	ADP
fsr-3370	41	34	irwin	irwin	PROPN
fsr-3370	41	35	(	(	PUNCT
fsr-3370	41	36	1993	1993	NUM
fsr-3370	41	37	)	)	PUNCT
fsr-3370	41	38	.	.	PUNCT
fsr-3370	42	1	it	it	PRON
fsr-3370	42	2	was	be	AUX
fsr-3370	42	3	hypothesized	hypothesize	VERB
fsr-3370	42	4	in	in	ADP
fsr-3370	42	5	this	this	DET
fsr-3370	42	6	study	study	NOUN
fsr-3370	42	7	that	that	SCONJ
fsr-3370	42	8	the	the	DET
fsr-3370	42	9	macroeconomic	macroeconomic	ADJ
fsr-3370	42	10	condition	condition	NOUN
fsr-3370	42	11	of	of	ADP
fsr-3370	42	12	any	any	DET
fsr-3370	42	13	nation	nation	NOUN
fsr-3370	42	14	may	may	AUX
fsr-3370	42	15	be	be	AUX
fsr-3370	42	16	associated	associate	VERB
fsr-3370	42	17	with	with	ADP
fsr-3370	42	18	changes	change	NOUN
fsr-3370	42	19	in	in	ADP
fsr-3370	42	20	frt	frt	NOUN
fsr-3370	42	21	.	.	PUNCT
fsr-3370	43	1	macroeconomic	macroeconomic	ADJ
fsr-3370	43	2	conditions	condition	NOUN
fsr-3370	43	3	are	be	AUX
fsr-3370	43	4	complex	complex	ADJ
fsr-3370	43	5	,	,	PUNCT
fsr-3370	43	6	with	with	ADP
fsr-3370	43	7	codependent	codependent	ADJ
fsr-3370	43	8	activities	activity	NOUN
fsr-3370	43	9	that	that	PRON
fsr-3370	43	10	combine	combine	VERB
fsr-3370	43	11	to	to	PART
fsr-3370	43	12	produce	produce	VERB
fsr-3370	43	13	and	and	CCONJ
fsr-3370	43	14	consume	consume	VERB
fsr-3370	43	15	resources	resource	NOUN
fsr-3370	43	16	.	.	PUNCT
fsr-3370	44	1	macroeconomic	macroeconomic	ADJ
fsr-3370	44	2	factors	factor	NOUN
fsr-3370	44	3	may	may	AUX
fsr-3370	44	4	influence	influence	VERB
fsr-3370	44	5	the	the	DET
fsr-3370	44	6	willingness	willingness	NOUN
fsr-3370	44	7	of	of	ADP
fsr-3370	44	8	individuals	individual	NOUN
fsr-3370	44	9	to	to	PART
fsr-3370	44	10	take	take	VERB
fsr-3370	44	11	risk	risk	NOUN
fsr-3370	44	12	in	in	ADP
fsr-3370	44	13	two	two	NUM
fsr-3370	44	14	ways	way	NOUN
fsr-3370	44	15	.	.	PUNCT
fsr-3370	45	1	first	first	ADJ
fsr-3370	45	2	,	,	PUNCT
fsr-3370	45	3	negative	negative	ADJ
fsr-3370	45	4	events	event	NOUN
fsr-3370	45	5	may	may	AUX
fsr-3370	45	6	reduce	reduce	VERB
fsr-3370	45	7	financial	financial	ADJ
fsr-3370	45	8	capacity	capacity	NOUN
fsr-3370	45	9	,	,	PUNCT
fsr-3370	45	10	leading	lead	VERB
fsr-3370	45	11	to	to	ADP
fsr-3370	45	12	a	a	DET
fsr-3370	45	13	negative	negative	ADJ
fsr-3370	45	14	shift	shift	NOUN
fsr-3370	45	15	in	in	ADP
fsr-3370	45	16	frt	frt	NOUN
fsr-3370	45	17	.	.	PUNCT
fsr-3370	46	1	second	second	ADJ
fsr-3370	46	2	,	,	PUNCT
fsr-3370	46	3	perceptions	perception	NOUN
fsr-3370	46	4	of	of	ADP
fsr-3370	46	5	conditions	condition	NOUN
fsr-3370	46	6	,	,	PUNCT
fsr-3370	46	7	rather	rather	ADV
fsr-3370	46	8	than	than	ADP
fsr-3370	46	9	the	the	DET
fsr-3370	46	10	actual	actual	ADJ
fsr-3370	46	11	impact	impact	NOUN
fsr-3370	46	12	of	of	ADP
fsr-3370	46	13	macroeconomic	macroeconomic	ADJ
fsr-3370	46	14	events	event	NOUN
fsr-3370	46	15	,	,	PUNCT
fsr-3370	46	16	could	could	AUX
fsr-3370	46	17	shape	shape	VERB
fsr-3370	46	18	someone	someone	PRON
fsr-3370	46	19	’s	’s	PART
fsr-3370	46	20	willingness	willingness	NOUN
fsr-3370	46	21	to	to	PART
fsr-3370	46	22	take	take	VERB
fsr-3370	46	23	financial	financial	ADJ
fsr-3370	46	24	risk	risk	NOUN
fsr-3370	46	25	.	.	PUNCT
fsr-3370	47	1	four	four	NUM
fsr-3370	47	2	variables	variable	NOUN
fsr-3370	47	3	were	be	AUX
fsr-3370	47	4	used	use	VERB
fsr-3370	47	5	in	in	ADP
fsr-3370	47	6	this	this	DET
fsr-3370	47	7	study	study	NOUN
fsr-3370	47	8	to	to	PART
fsr-3370	47	9	test	test	VERB
fsr-3370	47	10	the	the	DET
fsr-3370	47	11	impact	impact	NOUN
fsr-3370	47	12	of	of	ADP
fsr-3370	47	13	macroeconomic	macroeconomic	ADJ
fsr-3370	47	14	conditions	condition	NOUN
fsr-3370	47	15	on	on	ADP
fsr-3370	47	16	changes	change	NOUN
fsr-3370	47	17	in	in	ADP
fsr-3370	47	18	frt	frt	NOUN
fsr-3370	47	19	:	:	PUNCT
fsr-3370	47	20	country	country	NOUN
fsr-3370	47	21	level	level	NOUN
fsr-3370	47	22	gross	gross	ADJ
fsr-3370	47	23	domestic	domestic	ADJ
fsr-3370	47	24	product	product	NOUN
fsr-3370	47	25	(	(	PUNCT
fsr-3370	47	26	gdp	gdp	NOUN
fsr-3370	47	27	)	)	PUNCT
fsr-3370	47	28	,	,	PUNCT
fsr-3370	47	29	national	national	ADJ
fsr-3370	47	30	unemployment	unemployment	NOUN
fsr-3370	47	31	rates	rate	NOUN
fsr-3370	47	32	,	,	PUNCT
fsr-3370	47	33	stock	stock	NOUN
fsr-3370	47	34	market	market	NOUN
fsr-3370	47	35	conditions	condition	NOUN
fsr-3370	47	36	,	,	PUNCT
fsr-3370	47	37	and	and	CCONJ
fsr-3370	47	38	global	global	ADJ
fsr-3370	47	39	commodity	commodity	NOUN
fsr-3370	47	40	prices	price	NOUN
fsr-3370	47	41	.	.	PUNCT
fsr-3370	48	1	the	the	DET
fsr-3370	48	2	second	second	ADJ
fsr-3370	48	3	element	element	NOUN
fsr-3370	48	4	of	of	ADP
fsr-3370	48	5	the	the	DET
fsr-3370	48	6	framework	framework	NOUN
fsr-3370	48	7	was	be	AUX
fsr-3370	48	8	based	base	VERB
fsr-3370	48	9	on	on	ADP
fsr-3370	48	10	irwin	irwin	PROPN
fsr-3370	48	11	’s	’s	PART
fsr-3370	48	12	(	(	PUNCT
fsr-3370	48	13	1993	1993	NUM
fsr-3370	48	14	)	)	PUNCT
fsr-3370	48	15	model	model	NOUN
fsr-3370	48	16	of	of	ADP
fsr-3370	48	17	risk	risk	NOUN
fsr-3370	48	18	taking	taking	NOUN
fsr-3370	48	19	.	.	PUNCT
fsr-3370	49	1	irwin	irwin	PROPN
fsr-3370	49	2	surmised	surmise	VERB
fsr-3370	49	3	that	that	SCONJ
fsr-3370	49	4	different	different	ADJ
fsr-3370	49	5	predisposing	predispose	VERB
fsr-3370	49	6	factors	factor	NOUN
fsr-3370	49	7	affect	affect	VERB
fsr-3370	49	8	an	an	DET
fsr-3370	49	9	individual	individual	NOUN
fsr-3370	49	10	’s	’s	PART
fsr-3370	49	11	risk	risk	NOUN
fsr-3370	49	12	-	-	PUNCT
fsr-3370	49	13	tolerance	tolerance	NOUN
fsr-3370	49	14	attitude	attitude	NOUN
fsr-3370	49	15	.	.	PUNCT
fsr-3370	50	1	biopsychosocial	biopsychosocial	ADJ
fsr-3370	50	2	and	and	CCONJ
fsr-3370	50	3	environmental	environmental	ADJ
fsr-3370	50	4	were	be	AUX
fsr-3370	50	5	two	two	NUM
fsr-3370	50	6	concepts	concept	NOUN
fsr-3370	50	7	irwin	irwin	PROPN
fsr-3370	50	8	used	use	VERB
fsr-3370	50	9	as	as	ADP
fsr-3370	50	10	classifying	classify	VERB
fsr-3370	50	11	factors	factor	NOUN
fsr-3370	50	12	biopsychosocial	biopsychosocial	ADJ
fsr-3370	50	13	&	&	CCONJ
fsr-3370	50	14	environmental	environmental	ADJ
fsr-3370	50	15	factors	factor	NOUN
fsr-3370	50	16	age	age	NOUN
fsr-3370	50	17	income	income	NOUN
fsr-3370	50	18	net	net	ADJ
fsr-3370	50	19	worth	worth	ADJ
fsr-3370	50	20	gender	gender	NOUN
fsr-3370	50	21	education	education	NOUN
fsr-3370	50	22	level	level	NOUN
fsr-3370	50	23	marital	marital	ADJ
fsr-3370	50	24	status	status	NOUN
fsr-3370	50	25	change	change	NOUN
fsr-3370	50	26	in	in	ADP
fsr-3370	50	27	financial	financial	ADJ
fsr-3370	50	28	risk	risk	NOUN
fsr-3370	50	29	tolerance	tolerance	NOUN
fsr-3370	50	30	macroeconomic	macroeconomic	ADJ
fsr-3370	50	31	indicators	indicator	NOUN
fsr-3370	50	32	gdp	gdp	NOUN
fsr-3370	50	33	unemployment	unemployment	NOUN
fsr-3370	50	34	rate	rate	NOUN
fsr-3370	50	35	market	market	NOUN
fsr-3370	50	36	index	index	NOUN
fsr-3370	50	37	global	global	ADJ
fsr-3370	50	38	commodities	commodity	NOUN
fsr-3370	50	39	index	index	NOUN
fsr-3370	50	40	social	social	ADJ
fsr-3370	50	41	support	support	NOUN
fsr-3370	50	42	aggregate	aggregate	VERB
fsr-3370	50	43	social	social	ADJ
fsr-3370	50	44	safety	safety	NOUN
fsr-3370	50	45	net	net	PROPN
fsr-3370	50	46	united	united	PROPN
fsr-3370	50	47	states	states	PROPN
fsr-3370	50	48	australia	australia	PROPN
fsr-3370	50	49	united	united	PROPN
fsr-3370	50	50	kingdom	kingdom	PROPN
fsr-3370	50	51	fig	fig	PROPN
fsr-3370	50	52	.	.	PUNCT
fsr-3370	51	1	1	1	X
fsr-3370	51	2	.	.	X
fsr-3370	51	3	the	the	DET
fsr-3370	51	4	financial	financial	ADJ
fsr-3370	51	5	risk	risk	NOUN
fsr-3370	51	6	tolerance	tolerance	NOUN
fsr-3370	51	7	(	(	PUNCT
fsr-3370	51	8	frt	frt	NOUN
fsr-3370	51	9	)	)	PUNCT
fsr-3370	51	10	model	model	NOUN
fsr-3370	51	11	based	base	VERB
fsr-3370	51	12	on	on	ADP
fsr-3370	51	13	changes	change	NOUN
fsr-3370	51	14	in	in	ADP
fsr-3370	51	15	frt	frt	NOUN
fsr-3370	51	16	.	.	PUNCT
fsr-3370	52	1	317s	317s	PROPN
fsr-3370	52	2	.	.	PUNCT
fsr-3370	53	1	kuzniak	kuzniak	PROPN
fsr-3370	53	2	,	,	PUNCT
fsr-3370	53	3	j.e	j.e	PROPN
fsr-3370	53	4	.	.	PROPN
fsr-3370	53	5	grable	grable	PROPN
fsr-3370	53	6	/	/	SYM
fsr-3370	53	7	financial	financial	ADJ
fsr-3370	53	8	services	service	NOUN
fsr-3370	53	9	review	review	VERB
fsr-3370	53	10	26	26	NUM
fsr-3370	53	11	(	(	PUNCT
fsr-3370	53	12	2017	2017	NUM
fsr-3370	53	13	)	)	PUNCT
fsr-3370	53	14	315–338	315–338	NUM
fsr-3370	53	15	that	that	DET
fsr-3370	53	16	influence	influence	NOUN
fsr-3370	53	17	frt	frt	NOUN
fsr-3370	53	18	.	.	PUNCT
fsr-3370	54	1	biopsychosocial	biopsychosocial	ADJ
fsr-3370	54	2	factors	factor	NOUN
fsr-3370	54	3	include	include	VERB
fsr-3370	54	4	variables	variable	NOUN
fsr-3370	54	5	such	such	ADJ
fsr-3370	54	6	as	as	ADP
fsr-3370	54	7	age	age	NOUN
fsr-3370	54	8	and	and	CCONJ
fsr-3370	54	9	gender	gender	NOUN
fsr-3370	54	10	while	while	SCONJ
fsr-3370	54	11	environmental	environmental	ADJ
fsr-3370	54	12	factors	factor	NOUN
fsr-3370	54	13	include	include	VERB
fsr-3370	54	14	income	income	NOUN
fsr-3370	54	15	,	,	PUNCT
fsr-3370	54	16	net	net	ADJ
fsr-3370	54	17	worth	worth	NOUN
fsr-3370	54	18	,	,	PUNCT
fsr-3370	54	19	education	education	NOUN
fsr-3370	54	20	,	,	PUNCT
fsr-3370	54	21	and	and	CCONJ
fsr-3370	54	22	marital	marital	ADJ
fsr-3370	54	23	status	status	NOUN
fsr-3370	54	24	,	,	PUNCT
fsr-3370	54	25	among	among	ADP
fsr-3370	54	26	other	other	ADJ
fsr-3370	54	27	factors	factor	NOUN
fsr-3370	54	28	.	.	PUNCT
fsr-3370	55	1	taken	take	VERB
fsr-3370	55	2	together	together	ADV
fsr-3370	55	3	,	,	PUNCT
fsr-3370	55	4	the	the	DET
fsr-3370	55	5	combination	combination	NOUN
fsr-3370	55	6	of	of	ADP
fsr-3370	55	7	these	these	DET
fsr-3370	55	8	factors	factor	NOUN
fsr-3370	55	9	and	and	CCONJ
fsr-3370	55	10	characteristics	characteristic	NOUN
fsr-3370	55	11	are	be	AUX
fsr-3370	55	12	expected	expect	VERB
fsr-3370	55	13	to	to	PART
fsr-3370	55	14	have	have	VERB
fsr-3370	55	15	a	a	DET
fsr-3370	55	16	meaningful	meaningful	ADJ
fsr-3370	55	17	influence	influence	NOUN
fsr-3370	55	18	on	on	ADP
fsr-3370	55	19	an	an	DET
fsr-3370	55	20	individual	individual	NOUN
fsr-3370	55	21	’s	’s	PART
fsr-3370	55	22	risk	risk	NOUN
fsr-3370	55	23	-	-	PUNCT
fsr-3370	55	24	tolerance	tolerance	NOUN
fsr-3370	55	25	attitude	attitude	NOUN
fsr-3370	55	26	.	.	PUNCT
fsr-3370	56	1	imbedded	imbed	VERB
fsr-3370	56	2	within	within	ADP
fsr-3370	56	3	irwin	irwin	PROPN
fsr-3370	56	4	’s	’s	PART
fsr-3370	56	5	(	(	PUNCT
fsr-3370	56	6	1993	1993	NUM
fsr-3370	56	7	)	)	PUNCT
fsr-3370	56	8	model	model	NOUN
fsr-3370	56	9	are	be	AUX
fsr-3370	56	10	variables	variable	NOUN
fsr-3370	56	11	related	relate	VERB
fsr-3370	56	12	to	to	ADP
fsr-3370	56	13	cultural	cultural	ADJ
fsr-3370	56	14	experiences	experience	NOUN
fsr-3370	56	15	and	and	CCONJ
fsr-3370	56	16	socialization	socialization	NOUN
fsr-3370	56	17	.	.	PUNCT
fsr-3370	57	1	as	as	SCONJ
fsr-3370	57	2	shown	show	VERB
fsr-3370	57	3	in	in	ADP
fsr-3370	57	4	fig	fig	NOUN
fsr-3370	57	5	.	.	PUNCT
fsr-3370	58	1	1	1	NUM
fsr-3370	58	2	,	,	PUNCT
fsr-3370	58	3	social	social	ADJ
fsr-3370	58	4	support	support	NOUN
fsr-3370	58	5	was	be	AUX
fsr-3370	58	6	also	also	ADV
fsr-3370	58	7	included	include	VERB
fsr-3370	58	8	in	in	ADP
fsr-3370	58	9	the	the	DET
fsr-3370	58	10	model	model	NOUN
fsr-3370	58	11	.	.	PUNCT
fsr-3370	59	1	the	the	DET
fsr-3370	59	2	choice	choice	NOUN
fsr-3370	59	3	of	of	ADP
fsr-3370	59	4	this	this	DET
fsr-3370	59	5	variable	variable	NOUN
fsr-3370	59	6	was	be	AUX
fsr-3370	59	7	based	base	VERB
fsr-3370	59	8	on	on	ADP
fsr-3370	59	9	the	the	DET
fsr-3370	59	10	cushion	cushion	NOUN
fsr-3370	59	11	hypothesis	hypothesis	NOUN
fsr-3370	59	12	.	.	PUNCT
fsr-3370	60	1	this	this	DET
fsr-3370	60	2	hypothesis	hypothesis	NOUN
fsr-3370	60	3	states	state	VERB
fsr-3370	60	4	that	that	SCONJ
fsr-3370	60	5	individuals	individual	NOUN
fsr-3370	60	6	who	who	PRON
fsr-3370	60	7	live	live	VERB
fsr-3370	60	8	in	in	ADP
fsr-3370	60	9	collectivist	collectivist	ADJ
fsr-3370	60	10	cultures	culture	NOUN
fsr-3370	60	11	generally	generally	ADV
fsr-3370	60	12	have	have	VERB
fsr-3370	60	13	a	a	DET
fsr-3370	60	14	greater	great	ADJ
fsr-3370	60	15	social	social	ADJ
fsr-3370	60	16	support	support	NOUN
fsr-3370	60	17	system	system	NOUN
fsr-3370	60	18	that	that	SCONJ
fsr-3370	60	19	“	"	PUNCT
fsr-3370	60	20	cushions	cushion	NOUN
fsr-3370	60	21	”	"	PUNCT
fsr-3370	60	22	downside	downside	ADJ
fsr-3370	60	23	risks	risk	NOUN
fsr-3370	60	24	when	when	SCONJ
fsr-3370	60	25	making	make	VERB
fsr-3370	60	26	risky	risky	ADJ
fsr-3370	60	27	decisions	decision	NOUN
fsr-3370	60	28	(	(	PUNCT
fsr-3370	60	29	hsee	hsee	NOUN
fsr-3370	60	30	and	and	CCONJ
fsr-3370	60	31	weber	weber	PROPN
fsr-3370	60	32	,	,	PUNCT
fsr-3370	60	33	1999	1999	NUM
fsr-3370	60	34	;	;	PUNCT
fsr-3370	60	35	weber	weber	PROPN
fsr-3370	60	36	and	and	CCONJ
fsr-3370	60	37	hsee	hsee	PROPN
fsr-3370	60	38	,	,	PUNCT
fsr-3370	60	39	1998	1998	NUM
fsr-3370	60	40	)	)	PUNCT
fsr-3370	60	41	.	.	PUNCT
fsr-3370	61	1	in	in	ADP
fsr-3370	61	2	theory	theory	NOUN
fsr-3370	61	3	,	,	PUNCT
fsr-3370	61	4	when	when	SCONJ
fsr-3370	61	5	personal	personal	ADJ
fsr-3370	61	6	risk	risk	NOUN
fsr-3370	61	7	is	be	AUX
fsr-3370	61	8	minimized	minimize	VERB
fsr-3370	61	9	,	,	PUNCT
fsr-3370	61	10	individuals	individual	NOUN
fsr-3370	61	11	are	be	AUX
fsr-3370	61	12	allowed	allow	VERB
fsr-3370	61	13	to	to	PART
fsr-3370	61	14	try	try	VERB
fsr-3370	61	15	new	new	ADJ
fsr-3370	61	16	things	thing	NOUN
fsr-3370	61	17	,	,	PUNCT
fsr-3370	61	18	start	start	VERB
fsr-3370	61	19	small	small	ADJ
fsr-3370	61	20	businesses	business	NOUN
fsr-3370	61	21	,	,	PUNCT
fsr-3370	61	22	or	or	CCONJ
fsr-3370	61	23	invest	invest	VERB
fsr-3370	61	24	in	in	ADP
fsr-3370	61	25	potentially	potentially	ADV
fsr-3370	61	26	riskier	risky	ADJ
fsr-3370	61	27	opportunities	opportunity	NOUN
fsr-3370	61	28	that	that	PRON
fsr-3370	61	29	promise	promise	VERB
fsr-3370	61	30	a	a	DET
fsr-3370	61	31	higher	high	ADJ
fsr-3370	61	32	return	return	NOUN
fsr-3370	61	33	.	.	PUNCT
fsr-3370	62	1	in	in	ADP
fsr-3370	62	2	other	other	ADJ
fsr-3370	62	3	words	word	NOUN
fsr-3370	62	4	,	,	PUNCT
fsr-3370	62	5	the	the	DET
fsr-3370	62	6	hypothesis	hypothesis	NOUN
fsr-3370	62	7	posits	posit	NOUN
fsr-3370	62	8	that	that	SCONJ
fsr-3370	62	9	as	as	ADP
fsr-3370	62	10	social	social	ADJ
fsr-3370	62	11	support	support	NOUN
fsr-3370	62	12	increases	increase	NOUN
fsr-3370	62	13	,	,	PUNCT
fsr-3370	62	14	so	so	ADV
fsr-3370	62	15	does	do	VERB
fsr-3370	62	16	the	the	DET
fsr-3370	62	17	willingness	willingness	NOUN
fsr-3370	62	18	to	to	PART
fsr-3370	62	19	take	take	VERB
fsr-3370	62	20	financial	financial	ADJ
fsr-3370	62	21	risk	risk	NOUN
fsr-3370	62	22	at	at	ADP
fsr-3370	62	23	the	the	DET
fsr-3370	62	24	household	household	NOUN
fsr-3370	62	25	level	level	NOUN
fsr-3370	62	26	.	.	PUNCT
fsr-3370	63	1	it	it	PRON
fsr-3370	63	2	is	be	AUX
fsr-3370	63	3	important	important	ADJ
fsr-3370	63	4	to	to	PART
fsr-3370	63	5	note	note	VERB
fsr-3370	63	6	,	,	PUNCT
fsr-3370	63	7	however	however	ADV
fsr-3370	63	8	,	,	PUNCT
fsr-3370	63	9	that	that	SCONJ
fsr-3370	63	10	it	it	PRON
fsr-3370	63	11	can	can	AUX
fsr-3370	63	12	also	also	ADV
fsr-3370	63	13	be	be	AUX
fsr-3370	63	14	hypothesized	hypothesize	VERB
fsr-3370	63	15	that	that	SCONJ
fsr-3370	63	16	the	the	DET
fsr-3370	63	17	opposite	opposite	NOUN
fsr-3370	63	18	may	may	AUX
fsr-3370	63	19	be	be	AUX
fsr-3370	63	20	true	true	ADJ
fsr-3370	63	21	.	.	PUNCT
fsr-3370	64	1	it	it	PRON
fsr-3370	64	2	may	may	AUX
fsr-3370	64	3	be	be	AUX
fsr-3370	64	4	that	that	DET
fsr-3370	64	5	risk	risk	NOUN
fsr-3370	64	6	is	be	AUX
fsr-3370	64	7	often	often	ADV
fsr-3370	64	8	taken	take	VERB
fsr-3370	64	9	because	because	SCONJ
fsr-3370	64	10	of	of	ADP
fsr-3370	64	11	the	the	DET
fsr-3370	64	12	necessity	necessity	NOUN
fsr-3370	64	13	of	of	ADP
fsr-3370	64	14	making	make	VERB
fsr-3370	64	15	progress	progress	NOUN
fsr-3370	64	16	or	or	CCONJ
fsr-3370	64	17	achieving	achieve	VERB
fsr-3370	64	18	financial	financial	ADJ
fsr-3370	64	19	goals	goal	NOUN
fsr-3370	64	20	.	.	PUNCT
fsr-3370	65	1	statman	statman	NOUN
fsr-3370	65	2	(	(	PUNCT
fsr-3370	65	3	2008	2008	NUM
fsr-3370	65	4	)	)	PUNCT
fsr-3370	65	5	noted	note	VERB
fsr-3370	65	6	that	that	SCONJ
fsr-3370	65	7	individuals	individual	NOUN
fsr-3370	65	8	often	often	ADV
fsr-3370	65	9	pay	pay	VERB
fsr-3370	65	10	with	with	ADP
fsr-3370	65	11	risk	risk	NOUN
fsr-3370	65	12	for	for	ADP
fsr-3370	65	13	a	a	DET
fsr-3370	65	14	chance	chance	NOUN
fsr-3370	65	15	to	to	PART
fsr-3370	65	16	move	move	VERB
fsr-3370	65	17	up	up	ADP
fsr-3370	65	18	in	in	ADP
fsr-3370	65	19	life	life	NOUN
fsr-3370	65	20	and	and	CCONJ
fsr-3370	65	21	that	that	SCONJ
fsr-3370	65	22	in	in	ADP
fsr-3370	65	23	many	many	ADJ
fsr-3370	65	24	countries	country	NOUN
fsr-3370	65	25	,	,	PUNCT
fsr-3370	65	26	individuals	individual	NOUN
fsr-3370	65	27	are	be	AUX
fsr-3370	65	28	willing	willing	ADJ
fsr-3370	65	29	to	to	PART
fsr-3370	65	30	take	take	VERB
fsr-3370	65	31	greater	great	ADJ
fsr-3370	65	32	risks	risk	NOUN
fsr-3370	65	33	for	for	ADP
fsr-3370	65	34	potentially	potentially	ADV
fsr-3370	65	35	higher	high	ADJ
fsr-3370	65	36	rewards	reward	NOUN
fsr-3370	65	37	,	,	PUNCT
fsr-3370	65	38	even	even	ADV
fsr-3370	65	39	when	when	SCONJ
fsr-3370	65	40	familial	familial	ADJ
fsr-3370	65	41	and	and	CCONJ
fsr-3370	65	42	national	national	ADJ
fsr-3370	65	43	support	support	NOUN
fsr-3370	65	44	is	be	AUX
fsr-3370	65	45	low	low	ADJ
fsr-3370	65	46	.	.	PUNCT
fsr-3370	66	1	3	3	X
fsr-3370	66	2	.	.	X
fsr-3370	66	3	literature	literature	PROPN
fsr-3370	66	4	review	review	PROPN
fsr-3370	66	5	hallahan	hallahan	PROPN
fsr-3370	66	6	,	,	PUNCT
fsr-3370	66	7	faff	faff	PROPN
fsr-3370	66	8	,	,	PUNCT
fsr-3370	66	9	and	and	CCONJ
fsr-3370	66	10	mckenzie	mckenzie	NOUN
fsr-3370	66	11	(	(	PUNCT
fsr-3370	66	12	2004	2004	NUM
fsr-3370	66	13	)	)	PUNCT
fsr-3370	66	14	noted	note	VERB
fsr-3370	66	15	the	the	DET
fsr-3370	66	16	following	follow	VERB
fsr-3370	66	17	:	:	PUNCT
fsr-3370	66	18	“	"	PUNCT
fsr-3370	66	19	despite	despite	SCONJ
fsr-3370	66	20	its	its	PRON
fsr-3370	66	21	importance	importance	NOUN
fsr-3370	66	22	in	in	ADP
fsr-3370	66	23	the	the	DET
fsr-3370	66	24	financial	financial	ADJ
fsr-3370	66	25	services	service	NOUN
fsr-3370	66	26	industry	industry	NOUN
fsr-3370	66	27	,	,	PUNCT
fsr-3370	66	28	there	there	PRON
fsr-3370	66	29	remain	remain	VERB
fsr-3370	66	30	some	some	DET
fsr-3370	66	31	unresolved	unresolved	ADJ
fsr-3370	66	32	questions	question	NOUN
fsr-3370	66	33	with	with	ADP
fsr-3370	66	34	respect	respect	NOUN
fsr-3370	66	35	to	to	ADP
fsr-3370	66	36	the	the	DET
fsr-3370	66	37	‘	'	PUNCT
fsr-3370	66	38	determinants	determinant	NOUN
fsr-3370	66	39	of	of	ADP
fsr-3370	66	40	financial	financial	ADJ
fsr-3370	66	41	risk	risk	NOUN
fsr-3370	66	42	tolerance	tolerance	NOUN
fsr-3370	66	43	’	'	PUNCT
fsr-3370	66	44	”	"	PUNCT
fsr-3370	67	1	(	(	PUNCT
fsr-3370	67	2	p.	p.	NOUN
fsr-3370	67	3	58	58	NUM
fsr-3370	67	4	)	)	PUNCT
fsr-3370	67	5	.	.	PUNCT
fsr-3370	68	1	by	by	ADP
fsr-3370	68	2	determinants	determinant	NOUN
fsr-3370	68	3	,	,	PUNCT
fsr-3370	68	4	hallahan	hallahan	PROPN
fsr-3370	68	5	et	et	PROPN
fsr-3370	68	6	al	al	PROPN
fsr-3370	68	7	.	.	PROPN
fsr-3370	68	8	meant	mean	VERB
fsr-3370	68	9	the	the	DET
fsr-3370	68	10	identification	identification	NOUN
fsr-3370	68	11	of	of	ADP
fsr-3370	68	12	factors	factor	NOUN
fsr-3370	68	13	or	or	CCONJ
fsr-3370	68	14	variables	variable	NOUN
fsr-3370	68	15	that	that	PRON
fsr-3370	68	16	reveal	reveal	VERB
fsr-3370	68	17	a	a	DET
fsr-3370	68	18	systematic	systematic	ADJ
fsr-3370	68	19	association	association	NOUN
fsr-3370	68	20	with	with	ADP
fsr-3370	68	21	frt	frt	PROPN
fsr-3370	68	22	.	.	PUNCT
fsr-3370	69	1	over	over	ADP
fsr-3370	69	2	the	the	DET
fsr-3370	69	3	years	year	NOUN
fsr-3370	69	4	,	,	PUNCT
fsr-3370	69	5	varied	varied	ADJ
fsr-3370	69	6	factors	factor	NOUN
fsr-3370	69	7	have	have	AUX
fsr-3370	69	8	been	be	AUX
fsr-3370	69	9	proposed	propose	VERB
fsr-3370	69	10	and	and	CCONJ
fsr-3370	69	11	tested	test	VERB
fsr-3370	69	12	but	but	CCONJ
fsr-3370	69	13	the	the	DET
fsr-3370	69	14	results	result	NOUN
fsr-3370	69	15	have	have	AUX
fsr-3370	69	16	been	be	AUX
fsr-3370	69	17	inconsistent	inconsistent	ADJ
fsr-3370	69	18	.	.	PUNCT
fsr-3370	70	1	this	this	DET
fsr-3370	70	2	review	review	NOUN
fsr-3370	70	3	highlights	highlight	VERB
fsr-3370	70	4	literature	literature	NOUN
fsr-3370	70	5	that	that	PRON
fsr-3370	70	6	has	have	AUX
fsr-3370	70	7	tested	test	VERB
fsr-3370	70	8	some	some	PRON
fsr-3370	70	9	of	of	ADP
fsr-3370	70	10	these	these	DET
fsr-3370	70	11	factors	factor	NOUN
fsr-3370	70	12	.	.	PUNCT
fsr-3370	71	1	3.1	3.1	NUM
fsr-3370	71	2	.	.	PUNCT
fsr-3370	71	3	macroeconomic	macroeconomic	ADJ
fsr-3370	71	4	factors	factor	NOUN
fsr-3370	71	5	many	many	ADJ
fsr-3370	71	6	individuals	individual	NOUN
fsr-3370	71	7	who	who	PRON
fsr-3370	71	8	were	be	AUX
fsr-3370	71	9	economically	economically	ADV
fsr-3370	71	10	active	active	ADJ
fsr-3370	71	11	or	or	CCONJ
fsr-3370	71	12	invested	invest	VERB
fsr-3370	71	13	in	in	ADP
fsr-3370	71	14	the	the	DET
fsr-3370	71	15	markets	market	NOUN
fsr-3370	71	16	during	during	ADP
fsr-3370	71	17	the	the	DET
fsr-3370	71	18	global	global	ADJ
fsr-3370	71	19	financial	financial	ADJ
fsr-3370	71	20	crisis	crisis	NOUN
fsr-3370	71	21	intuitively	intuitively	ADV
fsr-3370	71	22	know	know	VERB
fsr-3370	71	23	that	that	SCONJ
fsr-3370	71	24	the	the	DET
fsr-3370	71	25	overall	overall	ADJ
fsr-3370	71	26	economy	economy	NOUN
fsr-3370	71	27	likely	likely	ADV
fsr-3370	71	28	has	have	VERB
fsr-3370	71	29	some	some	DET
fsr-3370	71	30	effect	effect	NOUN
fsr-3370	71	31	on	on	ADP
fsr-3370	71	32	how	how	SCONJ
fsr-3370	71	33	individuals	individual	NOUN
fsr-3370	71	34	make	make	VERB
fsr-3370	71	35	decisions	decision	NOUN
fsr-3370	71	36	.	.	PUNCT
fsr-3370	72	1	the	the	DET
fsr-3370	72	2	extent	extent	NOUN
fsr-3370	72	3	to	to	PART
fsr-3370	72	4	which	which	PRON
fsr-3370	72	5	economic	economic	ADJ
fsr-3370	72	6	forces	force	NOUN
fsr-3370	72	7	impact	impact	VERB
fsr-3370	72	8	individuals	individual	NOUN
fsr-3370	72	9	and	and	CCONJ
fsr-3370	72	10	investment	investment	NOUN
fsr-3370	72	11	markets	market	NOUN
fsr-3370	72	12	has	have	AUX
fsr-3370	72	13	been	be	AUX
fsr-3370	72	14	studied	study	VERB
fsr-3370	72	15	by	by	ADP
fsr-3370	72	16	chen	chen	PROPN
fsr-3370	72	17	,	,	PUNCT
fsr-3370	72	18	roll	roll	NOUN
fsr-3370	72	19	,	,	PUNCT
fsr-3370	72	20	and	and	CCONJ
fsr-3370	72	21	ross	ross	PROPN
fsr-3370	72	22	(	(	PUNCT
fsr-3370	72	23	1986	1986	NUM
fsr-3370	72	24	)	)	PUNCT
fsr-3370	72	25	.	.	PUNCT
fsr-3370	73	1	the	the	DET
fsr-3370	73	2	results	result	NOUN
fsr-3370	73	3	of	of	ADP
fsr-3370	73	4	their	their	PRON
fsr-3370	73	5	research	research	NOUN
fsr-3370	73	6	suggested	suggest	VERB
fsr-3370	73	7	that	that	SCONJ
fsr-3370	73	8	from	from	ADP
fsr-3370	73	9	the	the	DET
fsr-3370	73	10	perspective	perspective	NOUN
fsr-3370	73	11	of	of	ADP
fsr-3370	73	12	efficient	efficient	ADJ
fsr-3370	73	13	market	market	NOUN
fsr-3370	73	14	theory	theory	NOUN
fsr-3370	73	15	,	,	PUNCT
fsr-3370	73	16	asset	asset	NOUN
fsr-3370	73	17	prices	price	NOUN
fsr-3370	73	18	are	be	AUX
fsr-3370	73	19	influenced	influence	VERB
fsr-3370	73	20	,	,	PUNCT
fsr-3370	73	21	to	to	ADP
fsr-3370	73	22	some	some	DET
fsr-3370	73	23	degree	degree	NOUN
fsr-3370	73	24	,	,	PUNCT
fsr-3370	73	25	by	by	ADP
fsr-3370	73	26	macroeconomic	macroeconomic	ADJ
fsr-3370	73	27	factors	factor	NOUN
fsr-3370	73	28	.	.	PUNCT
fsr-3370	74	1	in	in	ADP
fsr-3370	74	2	addition	addition	NOUN
fsr-3370	74	3	,	,	PUNCT
fsr-3370	74	4	chen	chen	PROPN
fsr-3370	74	5	et	et	PROPN
fsr-3370	74	6	al	al	PROPN
fsr-3370	74	7	.	.	PROPN
fsr-3370	74	8	concluded	conclude	VERB
fsr-3370	74	9	that	that	SCONJ
fsr-3370	74	10	stock	stock	NOUN
fsr-3370	74	11	returns	return	NOUN
fsr-3370	74	12	are	be	AUX
fsr-3370	74	13	exposed	expose	VERB
fsr-3370	74	14	to	to	ADP
fsr-3370	74	15	systematic	systematic	ADJ
fsr-3370	74	16	economic	economic	ADJ
fsr-3370	74	17	news	news	NOUN
fsr-3370	74	18	,	,	PUNCT
fsr-3370	74	19	and	and	CCONJ
fsr-3370	74	20	assets	asset	NOUN
fsr-3370	74	21	are	be	AUX
fsr-3370	74	22	priced	price	VERB
fsr-3370	74	23	in	in	ADP
fsr-3370	74	24	relation	relation	NOUN
fsr-3370	74	25	to	to	ADP
fsr-3370	74	26	this	this	DET
fsr-3370	74	27	exposure	exposure	NOUN
fsr-3370	74	28	.	.	PUNCT
fsr-3370	75	1	their	their	PRON
fsr-3370	75	2	study	study	NOUN
fsr-3370	75	3	documented	document	VERB
fsr-3370	75	4	an	an	DET
fsr-3370	75	5	important	important	ADJ
fsr-3370	75	6	link	link	NOUN
fsr-3370	75	7	in	in	ADP
fsr-3370	75	8	the	the	DET
fsr-3370	75	9	relationship	relationship	NOUN
fsr-3370	75	10	between	between	ADP
fsr-3370	75	11	the	the	DET
fsr-3370	75	12	macro	macro	ADJ
fsr-3370	75	13	economy	economy	NOUN
fsr-3370	75	14	and	and	CCONJ
fsr-3370	75	15	the	the	DET
fsr-3370	75	16	way	way	NOUN
fsr-3370	75	17	individuals	individual	NOUN
fsr-3370	75	18	make	make	VERB
fsr-3370	75	19	investing	investing	NOUN
fsr-3370	75	20	decisions	decision	NOUN
fsr-3370	75	21	involving	involve	VERB
fsr-3370	75	22	risk	risk	NOUN
fsr-3370	75	23	.	.	PUNCT
fsr-3370	76	1	reinhart	reinhart	NOUN
fsr-3370	76	2	and	and	CCONJ
fsr-3370	76	3	borensztein	borensztein	ADJ
fsr-3370	76	4	(	(	PUNCT
fsr-3370	76	5	1994	1994	NUM
fsr-3370	76	6	)	)	PUNCT
fsr-3370	76	7	took	take	VERB
fsr-3370	76	8	a	a	DET
fsr-3370	76	9	unique	unique	ADJ
fsr-3370	76	10	approach	approach	NOUN
fsr-3370	76	11	to	to	ADP
fsr-3370	76	12	measuring	measure	VERB
fsr-3370	76	13	the	the	DET
fsr-3370	76	14	macroeconomic	macroeconomic	ADJ
fsr-3370	76	15	determinants	determinant	NOUN
fsr-3370	76	16	of	of	ADP
fsr-3370	76	17	commodity	commodity	NOUN
fsr-3370	76	18	prices	price	NOUN
fsr-3370	76	19	.	.	PUNCT
fsr-3370	77	1	in	in	ADP
fsr-3370	77	2	their	their	PRON
fsr-3370	77	3	research	research	NOUN
fsr-3370	77	4	,	,	PUNCT
fsr-3370	77	5	they	they	PRON
fsr-3370	77	6	focused	focus	VERB
fsr-3370	77	7	on	on	ADP
fsr-3370	77	8	determining	determine	VERB
fsr-3370	77	9	real	real	ADJ
fsr-3370	77	10	commodity	commodity	NOUN
fsr-3370	77	11	prices	price	NOUN
fsr-3370	77	12	beyond	beyond	ADP
fsr-3370	77	13	that	that	PRON
fsr-3370	77	14	of	of	ADP
fsr-3370	77	15	looking	look	VERB
fsr-3370	77	16	exclusively	exclusively	ADV
fsr-3370	77	17	at	at	ADP
fsr-3370	77	18	demand	demand	NOUN
fsr-3370	77	19	factors	factor	NOUN
fsr-3370	77	20	.	.	PUNCT
fsr-3370	78	1	their	their	PRON
fsr-3370	78	2	research	research	NOUN
fsr-3370	78	3	318	318	NUM
fsr-3370	78	4	s.	s.	PROPN
fsr-3370	78	5	kuzniak	kuzniak	PROPN
fsr-3370	78	6	,	,	PUNCT
fsr-3370	78	7	j.e	j.e	PROPN
fsr-3370	78	8	.	.	PROPN
fsr-3370	78	9	grable	grable	PROPN
fsr-3370	78	10	/	/	SYM
fsr-3370	78	11	financial	financial	ADJ
fsr-3370	78	12	services	service	NOUN
fsr-3370	78	13	review	review	VERB
fsr-3370	78	14	26	26	NUM
fsr-3370	78	15	(	(	PUNCT
fsr-3370	78	16	2017	2017	NUM
fsr-3370	78	17	)	)	PUNCT
fsr-3370	78	18	315–338	315–338	NUM
fsr-3370	78	19	examined	examine	VERB
fsr-3370	78	20	international	international	ADJ
fsr-3370	78	21	developments	development	NOUN
fsr-3370	78	22	across	across	ADP
fsr-3370	78	23	eastern	eastern	PROPN
fsr-3370	78	24	europe	europe	PROPN
fsr-3370	78	25	and	and	CCONJ
fsr-3370	78	26	the	the	DET
fsr-3370	78	27	soviet	soviet	PROPN
fsr-3370	78	28	union	union	PROPN
fsr-3370	78	29	to	to	PART
fsr-3370	78	30	help	help	VERB
fsr-3370	78	31	understand	understand	VERB
fsr-3370	78	32	the	the	DET
fsr-3370	78	33	connection	connection	NOUN
fsr-3370	78	34	between	between	ADP
fsr-3370	78	35	the	the	DET
fsr-3370	78	36	macro	macro	ADJ
fsr-3370	78	37	economy	economy	NOUN
fsr-3370	78	38	and	and	CCONJ
fsr-3370	78	39	commodity	commodity	NOUN
fsr-3370	78	40	prices	price	NOUN
fsr-3370	78	41	.	.	PUNCT
fsr-3370	79	1	their	their	PRON
fsr-3370	79	2	results	result	NOUN
fsr-3370	79	3	,	,	PUNCT
fsr-3370	79	4	however	however	ADV
fsr-3370	79	5	,	,	PUNCT
fsr-3370	79	6	were	be	AUX
fsr-3370	79	7	unable	unable	ADJ
fsr-3370	79	8	to	to	PART
fsr-3370	79	9	explain	explain	VERB
fsr-3370	79	10	the	the	DET
fsr-3370	79	11	marked	mark	VERB
fsr-3370	79	12	and	and	CCONJ
fsr-3370	79	13	sustained	sustain	VERB
fsr-3370	79	14	historical	historical	ADJ
fsr-3370	79	15	commodity	commodity	NOUN
fsr-3370	79	16	price	price	NOUN
fsr-3370	79	17	trends	trend	NOUN
fsr-3370	79	18	throughout	throughout	ADP
fsr-3370	79	19	the	the	DET
fsr-3370	79	20	1980s	1980	NOUN
fsr-3370	79	21	and	and	CCONJ
fsr-3370	79	22	1990s	1990	NOUN
fsr-3370	79	23	.	.	PUNCT
fsr-3370	80	1	popular	popular	ADJ
fsr-3370	80	2	press	press	NOUN
fsr-3370	80	3	articles	article	NOUN
fsr-3370	80	4	often	often	ADV
fsr-3370	80	5	discuss	discuss	VERB
fsr-3370	80	6	the	the	DET
fsr-3370	80	7	relationships	relationship	NOUN
fsr-3370	80	8	between	between	ADP
fsr-3370	80	9	well	well	ADV
fsr-3370	80	10	-	-	PUNCT
fsr-3370	80	11	known	know	VERB
fsr-3370	80	12	commodities	commodity	NOUN
fsr-3370	80	13	,	,	PUNCT
fsr-3370	80	14	such	such	ADJ
fsr-3370	80	15	as	as	ADP
fsr-3370	80	16	oil	oil	NOUN
fsr-3370	80	17	and	and	CCONJ
fsr-3370	80	18	gold	gold	NOUN
fsr-3370	80	19	,	,	PUNCT
fsr-3370	80	20	and	and	CCONJ
fsr-3370	80	21	the	the	DET
fsr-3370	80	22	association	association	NOUN
fsr-3370	80	23	they	they	PRON
fsr-3370	80	24	have	have	VERB
fsr-3370	80	25	with	with	ADP
fsr-3370	80	26	markets	market	NOUN
fsr-3370	80	27	and	and	CCONJ
fsr-3370	80	28	overall	overall	ADJ
fsr-3370	80	29	economic	economic	ADJ
fsr-3370	80	30	conditions	condition	NOUN
fsr-3370	80	31	.	.	PUNCT
fsr-3370	81	1	while	while	SCONJ
fsr-3370	81	2	it	it	PRON
fsr-3370	81	3	is	be	AUX
fsr-3370	81	4	possible	possible	ADJ
fsr-3370	81	5	to	to	PART
fsr-3370	81	6	see	see	VERB
fsr-3370	81	7	commodity	commodity	NOUN
fsr-3370	81	8	prices	price	NOUN
fsr-3370	81	9	as	as	ADP
fsr-3370	81	10	drivers	driver	NOUN
fsr-3370	81	11	of	of	ADP
fsr-3370	81	12	the	the	DET
fsr-3370	81	13	economy	economy	NOUN
fsr-3370	81	14	,	,	PUNCT
fsr-3370	81	15	nearly	nearly	ADV
fsr-3370	81	16	all	all	PRON
fsr-3370	81	17	market	market	NOUN
fsr-3370	81	18	pundits	pundit	NOUN
fsr-3370	81	19	address	address	VERB
fsr-3370	81	20	commodity	commodity	NOUN
fsr-3370	81	21	issues	issue	NOUN
fsr-3370	81	22	by	by	ADP
fsr-3370	81	23	looking	look	VERB
fsr-3370	81	24	at	at	ADP
fsr-3370	81	25	the	the	DET
fsr-3370	81	26	effect	effect	NOUN
fsr-3370	81	27	market	market	NOUN
fsr-3370	81	28	conditions	condition	NOUN
fsr-3370	81	29	have	have	VERB
fsr-3370	81	30	on	on	ADP
fsr-3370	81	31	investable	investable	ADJ
fsr-3370	81	32	commodity	commodity	NOUN
fsr-3370	81	33	markets	market	NOUN
fsr-3370	81	34	(	(	PUNCT
fsr-3370	81	35	motley	motley	ADJ
fsr-3370	81	36	fool	fool	NOUN
fsr-3370	81	37	,	,	PUNCT
fsr-3370	81	38	n.d	n.d	PROPN
fsr-3370	81	39	.	.	PROPN
fsr-3370	81	40	)	)	PUNCT
fsr-3370	81	41	.	.	PUNCT
fsr-3370	82	1	in	in	ADP
fsr-3370	82	2	addition	addition	NOUN
fsr-3370	82	3	to	to	ADP
fsr-3370	82	4	commodity	commodity	NOUN
fsr-3370	82	5	investment	investment	NOUN
fsr-3370	82	6	markets	market	NOUN
fsr-3370	82	7	,	,	PUNCT
fsr-3370	82	8	countries	country	NOUN
fsr-3370	82	9	around	around	ADP
fsr-3370	82	10	the	the	DET
fsr-3370	82	11	world	world	NOUN
fsr-3370	82	12	have	have	VERB
fsr-3370	82	13	varying	vary	VERB
fsr-3370	82	14	levels	level	NOUN
fsr-3370	82	15	of	of	ADP
fsr-3370	82	16	structural	structural	ADJ
fsr-3370	82	17	macroeconomic	macroeconomic	ADJ
fsr-3370	82	18	exposure	exposure	NOUN
fsr-3370	82	19	to	to	ADP
fsr-3370	82	20	commodity	commodity	NOUN
fsr-3370	82	21	prices	price	NOUN
fsr-3370	82	22	.	.	PUNCT
fsr-3370	83	1	for	for	ADP
fsr-3370	83	2	several	several	ADJ
fsr-3370	83	3	middle	middle	ADJ
fsr-3370	83	4	eastern	eastern	ADJ
fsr-3370	83	5	economies	economy	NOUN
fsr-3370	83	6	,	,	PUNCT
fsr-3370	83	7	for	for	ADP
fsr-3370	83	8	example	example	NOUN
fsr-3370	83	9	,	,	PUNCT
fsr-3370	83	10	commodity	commodity	NOUN
fsr-3370	83	11	prices	price	NOUN
fsr-3370	83	12	(	(	PUNCT
fsr-3370	83	13	including	include	VERB
fsr-3370	83	14	oil	oil	NOUN
fsr-3370	83	15	)	)	PUNCT
fsr-3370	83	16	make	make	VERB
fsr-3370	83	17	up	up	ADP
fsr-3370	83	18	disproportionally	disproportionally	ADV
fsr-3370	83	19	large	large	ADJ
fsr-3370	83	20	components	component	NOUN
fsr-3370	83	21	of	of	ADP
fsr-3370	83	22	total	total	ADJ
fsr-3370	83	23	revenue	revenue	NOUN
fsr-3370	83	24	and	and	CCONJ
fsr-3370	83	25	output	output	NOUN
fsr-3370	83	26	(	(	PUNCT
fsr-3370	83	27	world	world	PROPN
fsr-3370	83	28	bank	bank	PROPN
fsr-3370	83	29	,	,	PUNCT
fsr-3370	83	30	n.d	n.d	PROPN
fsr-3370	83	31	.	.	PROPN
fsr-3370	83	32	)	)	PUNCT
fsr-3370	83	33	.	.	PUNCT
fsr-3370	84	1	west	west	PROPN
fsr-3370	84	2	and	and	CCONJ
fsr-3370	84	3	worthington	worthington	PROPN
fsr-3370	84	4	(	(	PUNCT
fsr-3370	84	5	2014	2014	NUM
fsr-3370	84	6	)	)	PUNCT
fsr-3370	84	7	examined	examine	VERB
fsr-3370	84	8	the	the	DET
fsr-3370	84	9	relationship	relationship	NOUN
fsr-3370	84	10	between	between	ADP
fsr-3370	84	11	macroeconomic	macroeconomic	ADJ
fsr-3370	84	12	conditions	condition	NOUN
fsr-3370	84	13	and	and	CCONJ
fsr-3370	84	14	financial	financial	ADJ
fsr-3370	84	15	risk	risk	NOUN
fsr-3370	84	16	attitudes	attitude	NOUN
fsr-3370	84	17	.	.	PUNCT
fsr-3370	85	1	based	base	VERB
fsr-3370	85	2	in	in	ADP
fsr-3370	85	3	australia	australia	PROPN
fsr-3370	85	4	,	,	PUNCT
fsr-3370	85	5	their	their	PRON
fsr-3370	85	6	study	study	NOUN
fsr-3370	85	7	relied	rely	VERB
fsr-3370	85	8	on	on	ADP
fsr-3370	85	9	surveys	survey	NOUN
fsr-3370	85	10	of	of	ADP
fsr-3370	85	11	approximately	approximately	ADV
fsr-3370	85	12	6,800	6,800	NUM
fsr-3370	85	13	households	household	NOUN
fsr-3370	85	14	.	.	PUNCT
fsr-3370	86	1	they	they	PRON
fsr-3370	86	2	noted	note	VERB
fsr-3370	86	3	,	,	PUNCT
fsr-3370	86	4	consistent	consistent	ADJ
fsr-3370	86	5	with	with	ADP
fsr-3370	86	6	past	past	ADJ
fsr-3370	86	7	literature	literature	NOUN
fsr-3370	86	8	,	,	PUNCT
fsr-3370	86	9	that	that	SCONJ
fsr-3370	86	10	demographic	demographic	ADJ
fsr-3370	86	11	characteristics	characteristic	NOUN
fsr-3370	86	12	—	—	PUNCT
fsr-3370	86	13	especially	especially	ADV
fsr-3370	86	14	age	age	NOUN
fsr-3370	86	15	—	—	PUNCT
fsr-3370	86	16	had	have	VERB
fsr-3370	86	17	a	a	DET
fsr-3370	86	18	strong	strong	ADJ
fsr-3370	86	19	relationship	relationship	NOUN
fsr-3370	86	20	with	with	ADP
fsr-3370	86	21	changes	change	NOUN
fsr-3370	86	22	in	in	ADP
fsr-3370	86	23	frt	frt	NOUN
fsr-3370	86	24	over	over	ADP
fsr-3370	86	25	time	time	NOUN
fsr-3370	86	26	.	.	PUNCT
fsr-3370	87	1	they	they	PRON
fsr-3370	87	2	also	also	ADV
fsr-3370	87	3	noted	note	VERB
fsr-3370	87	4	that	that	SCONJ
fsr-3370	87	5	macroeconomic	macroeconomic	ADJ
fsr-3370	87	6	conditions	condition	NOUN
fsr-3370	87	7	were	be	AUX
fsr-3370	87	8	jointly	jointly	ADV
fsr-3370	87	9	significant	significant	ADJ
fsr-3370	87	10	in	in	ADP
fsr-3370	87	11	shaping	shape	VERB
fsr-3370	87	12	risk	risk	NOUN
fsr-3370	87	13	attitudes	attitude	NOUN
fsr-3370	87	14	.	.	PUNCT
fsr-3370	88	1	several	several	ADJ
fsr-3370	88	2	of	of	ADP
fsr-3370	88	3	the	the	DET
fsr-3370	88	4	variables	variable	NOUN
fsr-3370	88	5	studied	study	VERB
fsr-3370	88	6	were	be	AUX
fsr-3370	88	7	found	find	VERB
fsr-3370	88	8	to	to	PART
fsr-3370	88	9	be	be	AUX
fsr-3370	88	10	significantly	significantly	ADV
fsr-3370	88	11	associated	associate	VERB
fsr-3370	88	12	with	with	ADP
fsr-3370	88	13	the	the	DET
fsr-3370	88	14	risk	risk	NOUN
fsr-3370	88	15	attitudes	attitude	NOUN
fsr-3370	88	16	of	of	ADP
fsr-3370	88	17	individuals	individual	NOUN
fsr-3370	88	18	.	.	PUNCT
fsr-3370	89	1	unemployment	unemployment	NOUN
fsr-3370	89	2	rates	rate	NOUN
fsr-3370	89	3	and	and	CCONJ
fsr-3370	89	4	domestic	domestic	ADJ
fsr-3370	89	5	stock	stock	NOUN
fsr-3370	89	6	market	market	NOUN
fsr-3370	89	7	returns	return	NOUN
fsr-3370	89	8	were	be	AUX
fsr-3370	89	9	discussed	discuss	VERB
fsr-3370	89	10	by	by	ADP
fsr-3370	89	11	yao	yao	PROPN
fsr-3370	89	12	,	,	PUNCT
fsr-3370	89	13	hanna	hanna	NOUN
fsr-3370	89	14	,	,	PUNCT
fsr-3370	89	15	and	and	CCONJ
fsr-3370	89	16	lindamood	lindamood	NOUN
fsr-3370	89	17	(	(	PUNCT
fsr-3370	89	18	2004	2004	NUM
fsr-3370	89	19	)	)	PUNCT
fsr-3370	89	20	.	.	PUNCT
fsr-3370	90	1	in	in	ADP
fsr-3370	90	2	their	their	PRON
fsr-3370	90	3	work	work	NOUN
fsr-3370	90	4	,	,	PUNCT
fsr-3370	90	5	yao	yao	PROPN
fsr-3370	90	6	et	et	PROPN
fsr-3370	90	7	al	al	PROPN
fsr-3370	90	8	.	.	PROPN
fsr-3370	90	9	looked	look	VERB
fsr-3370	90	10	at	at	ADP
fsr-3370	90	11	changes	change	NOUN
fsr-3370	90	12	in	in	ADP
fsr-3370	90	13	frt	frt	NOUN
fsr-3370	90	14	during	during	ADP
fsr-3370	90	15	the	the	DET
fsr-3370	90	16	period	period	NOUN
fsr-3370	90	17	1983–2001	1983–2001	NUM
fsr-3370	90	18	.	.	PUNCT
fsr-3370	91	1	based	base	VERB
fsr-3370	91	2	on	on	ADP
fsr-3370	91	3	the	the	DET
fsr-3370	91	4	survey	survey	NOUN
fsr-3370	91	5	of	of	ADP
fsr-3370	91	6	consumer	consumer	NOUN
fsr-3370	91	7	finances	finance	NOUN
fsr-3370	91	8	,	,	PUNCT
fsr-3370	91	9	frt	frt	PROPN
fsr-3370	91	10	exhibited	exhibit	VERB
fsr-3370	91	11	significant	significant	ADJ
fsr-3370	91	12	increases	increase	NOUN
fsr-3370	91	13	from	from	ADP
fsr-3370	91	14	1995	1995	NUM
fsr-3370	91	15	to	to	ADP
fsr-3370	91	16	1998	1998	NUM
fsr-3370	91	17	during	during	ADP
fsr-3370	91	18	a	a	DET
fsr-3370	91	19	period	period	NOUN
fsr-3370	91	20	of	of	ADP
fsr-3370	91	21	strong	strong	ADJ
fsr-3370	91	22	stock	stock	NOUN
fsr-3370	91	23	growth	growth	NOUN
fsr-3370	91	24	and	and	CCONJ
fsr-3370	91	25	large	large	ADJ
fsr-3370	91	26	drops	drop	NOUN
fsr-3370	91	27	in	in	ADP
fsr-3370	91	28	unemployment	unemployment	NOUN
fsr-3370	91	29	.	.	PUNCT
fsr-3370	92	1	yao	yao	NOUN
fsr-3370	92	2	and	and	CCONJ
fsr-3370	92	3	her	her	PRON
fsr-3370	92	4	associates	associate	NOUN
fsr-3370	92	5	also	also	ADV
fsr-3370	92	6	noted	note	VERB
fsr-3370	92	7	that	that	SCONJ
fsr-3370	92	8	poor	poor	ADJ
fsr-3370	92	9	global	global	ADJ
fsr-3370	92	10	economic	economic	ADJ
fsr-3370	92	11	conditions	condition	NOUN
fsr-3370	92	12	in	in	ADP
fsr-3370	92	13	asia	asia	PROPN
fsr-3370	92	14	and	and	CCONJ
fsr-3370	92	15	russia	russia	PROPN
fsr-3370	92	16	had	have	VERB
fsr-3370	92	17	a	a	DET
fsr-3370	92	18	seemingly	seemingly	ADV
fsr-3370	92	19	negligible	negligible	ADJ
fsr-3370	92	20	effect	effect	NOUN
fsr-3370	92	21	on	on	ADP
fsr-3370	92	22	domestic	domestic	ADJ
fsr-3370	92	23	frt	frt	NOUN
fsr-3370	92	24	.	.	PUNCT
fsr-3370	93	1	market	market	NOUN
fsr-3370	93	2	conditions	condition	NOUN
fsr-3370	93	3	have	have	AUX
fsr-3370	93	4	been	be	AUX
fsr-3370	93	5	hypothesized	hypothesize	VERB
fsr-3370	93	6	to	to	ADP
fsr-3370	93	7	influence	influence	PROPN
fsr-3370	93	8	frt	frt	PROPN
fsr-3370	93	9	.	.	PUNCT
fsr-3370	94	1	rabbani	rabbani	PROPN
fsr-3370	94	2	,	,	PUNCT
fsr-3370	94	3	grable	grable	PROPN
fsr-3370	94	4	,	,	PUNCT
fsr-3370	94	5	heo	heo	PROPN
fsr-3370	94	6	,	,	PUNCT
fsr-3370	94	7	nobre	nobre	PROPN
fsr-3370	94	8	,	,	PUNCT
fsr-3370	94	9	and	and	CCONJ
fsr-3370	94	10	kuzniak	kuzniak	PROPN
fsr-3370	94	11	(	(	PUNCT
fsr-3370	94	12	2017	2017	NUM
fsr-3370	94	13	)	)	PUNCT
fsr-3370	94	14	,	,	PUNCT
fsr-3370	94	15	for	for	ADP
fsr-3370	94	16	example	example	NOUN
fsr-3370	94	17	,	,	PUNCT
fsr-3370	94	18	noted	note	VERB
fsr-3370	94	19	that	that	SCONJ
fsr-3370	94	20	daily	daily	ADJ
fsr-3370	94	21	market	market	NOUN
fsr-3370	94	22	volatility	volatility	NOUN
fsr-3370	94	23	exhibited	exhibit	VERB
fsr-3370	94	24	a	a	DET
fsr-3370	94	25	positive	positive	ADJ
fsr-3370	94	26	association	association	NOUN
fsr-3370	94	27	with	with	ADP
fsr-3370	94	28	frt	frt	PROPN
fsr-3370	94	29	scores	score	NOUN
fsr-3370	94	30	in	in	ADP
fsr-3370	94	31	their	their	PRON
fsr-3370	94	32	study	study	NOUN
fsr-3370	94	33	,	,	PUNCT
fsr-3370	94	34	although	although	SCONJ
fsr-3370	94	35	the	the	DET
fsr-3370	94	36	relationship	relationship	NOUN
fsr-3370	94	37	was	be	AUX
fsr-3370	94	38	not	not	PART
fsr-3370	94	39	strong	strong	ADJ
fsr-3370	94	40	enough	enough	ADV
fsr-3370	94	41	to	to	PART
fsr-3370	94	42	generally	generally	ADV
fsr-3370	94	43	warrant	warrant	VERB
fsr-3370	94	44	a	a	DET
fsr-3370	94	45	change	change	NOUN
fsr-3370	94	46	in	in	ADP
fsr-3370	94	47	portfolio	portfolio	NOUN
fsr-3370	94	48	holdings	holding	NOUN
fsr-3370	94	49	.	.	PUNCT
fsr-3370	95	1	a	a	DET
fsr-3370	95	2	similar	similar	ADJ
fsr-3370	95	3	finding	finding	NOUN
fsr-3370	95	4	was	be	AUX
fsr-3370	95	5	reported	report	VERB
fsr-3370	95	6	by	by	ADP
fsr-3370	95	7	zeisberger	zeisberger	PROPN
fsr-3370	95	8	,	,	PUNCT
fsr-3370	95	9	vrecko	vrecko	PROPN
fsr-3370	95	10	,	,	PUNCT
fsr-3370	95	11	and	and	CCONJ
fsr-3370	95	12	langer	langer	NOUN
fsr-3370	95	13	(	(	PUNCT
fsr-3370	95	14	2010	2010	NUM
fsr-3370	95	15	)	)	PUNCT
fsr-3370	95	16	.	.	PUNCT
fsr-3370	96	1	santacruz	santacruz	PROPN
fsr-3370	96	2	(	(	PUNCT
fsr-3370	96	3	2009	2009	NUM
fsr-3370	96	4	)	)	PUNCT
fsr-3370	96	5	looked	look	VERB
fsr-3370	96	6	at	at	ADP
fsr-3370	96	7	general	general	ADJ
fsr-3370	96	8	economic	economic	ADJ
fsr-3370	96	9	mood	mood	NOUN
fsr-3370	96	10	and	and	CCONJ
fsr-3370	96	11	its	its	PRON
fsr-3370	96	12	influence	influence	NOUN
fsr-3370	96	13	on	on	ADP
fsr-3370	96	14	frt	frt	NOUN
fsr-3370	96	15	scores	score	NOUN
fsr-3370	96	16	.	.	PUNCT
fsr-3370	97	1	he	he	PRON
fsr-3370	97	2	concluded	conclude	VERB
fsr-3370	97	3	that	that	SCONJ
fsr-3370	97	4	there	there	PRON
fsr-3370	97	5	is	be	VERB
fsr-3370	97	6	limited	limit	VERB
fsr-3370	97	7	need	need	NOUN
fsr-3370	97	8	to	to	PART
fsr-3370	97	9	make	make	VERB
fsr-3370	97	10	major	major	ADJ
fsr-3370	97	11	adjustments	adjustment	NOUN
fsr-3370	97	12	to	to	ADP
fsr-3370	97	13	current	current	ADJ
fsr-3370	97	14	models	model	NOUN
fsr-3370	97	15	.	.	PUNCT
fsr-3370	98	1	it	it	PRON
fsr-3370	98	2	was	be	AUX
fsr-3370	98	3	noted	note	VERB
fsr-3370	98	4	,	,	PUNCT
fsr-3370	98	5	however	however	ADV
fsr-3370	98	6	,	,	PUNCT
fsr-3370	98	7	that	that	SCONJ
fsr-3370	98	8	financial	financial	ADJ
fsr-3370	98	9	planners	planner	NOUN
fsr-3370	98	10	should	should	AUX
fsr-3370	98	11	recognize	recognize	VERB
fsr-3370	98	12	the	the	DET
fsr-3370	98	13	herding	herd	VERB
fsr-3370	98	14	behavior	behavior	NOUN
fsr-3370	98	15	that	that	PRON
fsr-3370	98	16	can	can	AUX
fsr-3370	98	17	result	result	VERB
fsr-3370	98	18	in	in	ADP
fsr-3370	98	19	investors	investor	NOUN
fsr-3370	98	20	’	’	PART
fsr-3370	98	21	perceptions	perception	NOUN
fsr-3370	98	22	of	of	ADP
fsr-3370	98	23	recent	recent	ADJ
fsr-3370	98	24	salient	salient	ADJ
fsr-3370	98	25	macroeconomic	macroeconomic	ADJ
fsr-3370	98	26	events	event	NOUN
fsr-3370	98	27	.	.	PUNCT
fsr-3370	99	1	in	in	ADP
fsr-3370	99	2	general	general	ADJ
fsr-3370	99	3	,	,	PUNCT
fsr-3370	99	4	however	however	ADV
fsr-3370	99	5	,	,	PUNCT
fsr-3370	99	6	there	there	PRON
fsr-3370	99	7	continues	continue	VERB
fsr-3370	99	8	to	to	PART
fsr-3370	99	9	be	be	AUX
fsr-3370	99	10	a	a	DET
fsr-3370	99	11	paucity	paucity	NOUN
fsr-3370	99	12	of	of	ADP
fsr-3370	99	13	research	research	NOUN
fsr-3370	99	14	that	that	PRON
fsr-3370	99	15	deals	deal	VERB
fsr-3370	99	16	with	with	ADP
fsr-3370	99	17	this	this	DET
fsr-3370	99	18	topic	topic	NOUN
fsr-3370	99	19	,	,	PUNCT
fsr-3370	99	20	and	and	CCONJ
fsr-3370	99	21	as	as	ADP
fsr-3370	99	22	such	such	ADJ
fsr-3370	99	23	,	,	PUNCT
fsr-3370	99	24	the	the	DET
fsr-3370	99	25	relationship	relationship	NOUN
fsr-3370	99	26	is	be	AUX
fsr-3370	99	27	still	still	ADV
fsr-3370	99	28	subject	subject	ADJ
fsr-3370	99	29	to	to	ADP
fsr-3370	99	30	debate	debate	NOUN
fsr-3370	99	31	.	.	PUNCT
fsr-3370	100	1	to	to	PART
fsr-3370	100	2	address	address	VERB
fsr-3370	100	3	this	this	DET
fsr-3370	100	4	apparent	apparent	ADJ
fsr-3370	100	5	gap	gap	NOUN
fsr-3370	100	6	in	in	ADP
fsr-3370	100	7	the	the	DET
fsr-3370	100	8	literature	literature	NOUN
fsr-3370	100	9	,	,	PUNCT
fsr-3370	100	10	the	the	DET
fsr-3370	100	11	relationship	relationship	NOUN
fsr-3370	100	12	between	between	ADP
fsr-3370	100	13	global	global	ADJ
fsr-3370	100	14	macroeconomic	macroeconomic	ADJ
fsr-3370	100	15	variables	variable	NOUN
fsr-3370	100	16	and	and	CCONJ
fsr-3370	100	17	an	an	DET
fsr-3370	100	18	individual	individual	NOUN
fsr-3370	100	19	’s	’s	PART
fsr-3370	100	20	frt	frt	NOUN
fsr-3370	100	21	was	be	AUX
fsr-3370	100	22	examined	examine	VERB
fsr-3370	100	23	in	in	ADP
fsr-3370	100	24	this	this	DET
fsr-3370	100	25	study	study	NOUN
fsr-3370	100	26	using	use	VERB
fsr-3370	100	27	macroeconomic	macroeconomic	ADJ
fsr-3370	100	28	variables	variable	NOUN
fsr-3370	100	29	,	,	PUNCT
fsr-3370	100	30	including	include	VERB
fsr-3370	100	31	unemployment	unemployment	NOUN
fsr-3370	100	32	rates	rate	NOUN
fsr-3370	100	33	,	,	PUNCT
fsr-3370	100	34	national	national	ADJ
fsr-3370	100	35	production	production	NOUN
fsr-3370	100	36	(	(	PUNCT
fsr-3370	100	37	gdp	gdp	NOUN
fsr-3370	100	38	)	)	PUNCT
fsr-3370	100	39	,	,	PUNCT
fsr-3370	100	40	commodity	commodity	NOUN
fsr-3370	100	41	prices	price	NOUN
fsr-3370	100	42	,	,	PUNCT
fsr-3370	100	43	and	and	CCONJ
fsr-3370	100	44	market	market	NOUN
fsr-3370	100	45	pricing	pricing	NOUN
fsr-3370	100	46	.	.	PUNCT
fsr-3370	101	1	one	one	NUM
fsr-3370	101	2	of	of	ADP
fsr-3370	101	3	the	the	DET
fsr-3370	101	4	most	most	ADV
fsr-3370	101	5	difficult	difficult	ADJ
fsr-3370	101	6	aspects	aspect	NOUN
fsr-3370	101	7	of	of	ADP
fsr-3370	101	8	examining	examine	VERB
fsr-3370	101	9	macroeconomic	macroeconomic	ADJ
fsr-3370	101	10	variables	variable	NOUN
fsr-3370	101	11	is	be	AUX
fsr-3370	101	12	the	the	DET
fsr-3370	101	13	interdependent	interdependent	ADJ
fsr-3370	101	14	relationship	relationship	NOUN
fsr-3370	101	15	among	among	ADP
fsr-3370	101	16	economic	economic	ADJ
fsr-3370	101	17	indicators	indicator	NOUN
fsr-3370	101	18	.	.	PUNCT
fsr-3370	102	1	therefore	therefore	ADV
fsr-3370	102	2	,	,	PUNCT
fsr-3370	102	3	one	one	NUM
fsr-3370	102	4	essential	essential	ADJ
fsr-3370	102	5	step	step	NOUN
fsr-3370	102	6	to	to	ADP
fsr-3370	102	7	evaluating	evaluate	VERB
fsr-3370	102	8	the	the	DET
fsr-3370	102	9	usefulness	usefulness	NOUN
fsr-3370	102	10	of	of	ADP
fsr-3370	102	11	economic	economic	ADJ
fsr-3370	102	12	variables	variable	NOUN
fsr-3370	102	13	in	in	ADP
fsr-3370	102	14	future	future	ADJ
fsr-3370	102	15	studies	study	NOUN
fsr-3370	102	16	will	will	AUX
fsr-3370	102	17	be	be	AUX
fsr-3370	102	18	determining	determine	VERB
fsr-3370	102	19	which	which	PRON
fsr-3370	102	20	variables	variable	NOUN
fsr-3370	102	21	are	be	AUX
fsr-3370	102	22	independently	independently	ADV
fsr-3370	102	23	related	relate	VERB
fsr-3370	102	24	to	to	ADP
fsr-3370	102	25	frt	frt	NOUN
fsr-3370	102	26	.	.	PUNCT
fsr-3370	103	1	319s	319s	PROPN
fsr-3370	103	2	.	.	PUNCT
fsr-3370	104	1	kuzniak	kuzniak	PROPN
fsr-3370	104	2	,	,	PUNCT
fsr-3370	104	3	j.e	j.e	PROPN
fsr-3370	104	4	.	.	PROPN
fsr-3370	104	5	grable	grable	PROPN
fsr-3370	104	6	/	/	SYM
fsr-3370	104	7	financial	financial	ADJ
fsr-3370	104	8	services	service	NOUN
fsr-3370	104	9	review	review	VERB
fsr-3370	104	10	26	26	NUM
fsr-3370	104	11	(	(	PUNCT
fsr-3370	104	12	2017	2017	NUM
fsr-3370	104	13	)	)	PUNCT
fsr-3370	104	14	315–338	315–338	NUM
fsr-3370	104	15	3.2	3.2	NUM
fsr-3370	104	16	.	.	PUNCT
fsr-3370	105	1	biopsychosocial	biopsychosocial	ADJ
fsr-3370	105	2	and	and	CCONJ
fsr-3370	105	3	environmental	environmental	ADJ
fsr-3370	105	4	factors	factor	NOUN
fsr-3370	105	5	age	age	NOUN
fsr-3370	105	6	,	,	PUNCT
fsr-3370	105	7	income	income	NOUN
fsr-3370	105	8	,	,	PUNCT
fsr-3370	105	9	education	education	NOUN
fsr-3370	105	10	,	,	PUNCT
fsr-3370	105	11	and	and	CCONJ
fsr-3370	105	12	wealth	wealth	NOUN
fsr-3370	105	13	have	have	AUX
fsr-3370	105	14	all	all	PRON
fsr-3370	105	15	been	be	AUX
fsr-3370	105	16	shown	show	VERB
fsr-3370	105	17	to	to	PART
fsr-3370	105	18	be	be	AUX
fsr-3370	105	19	significantly	significantly	ADV
fsr-3370	105	20	associated	associate	VERB
fsr-3370	105	21	with	with	ADP
fsr-3370	105	22	an	an	DET
fsr-3370	105	23	individual	individual	NOUN
fsr-3370	105	24	’s	’s	PART
fsr-3370	105	25	frt	frt	NOUN
fsr-3370	105	26	(	(	PUNCT
fsr-3370	105	27	bajtelsmit	bajtelsmit	NOUN
fsr-3370	105	28	,	,	PUNCT
fsr-3370	105	29	bernasek	bernasek	VERB
fsr-3370	105	30	,	,	PUNCT
fsr-3370	105	31	and	and	CCONJ
fsr-3370	105	32	jianakoplos	jianakoplo	NOUN
fsr-3370	105	33	,	,	PUNCT
fsr-3370	105	34	1999	1999	NUM
fsr-3370	105	35	;	;	PUNCT
fsr-3370	105	36	grable	grable	PROPN
fsr-3370	105	37	and	and	CCONJ
fsr-3370	105	38	lytton	lytton	PROPN
fsr-3370	105	39	,	,	PUNCT
fsr-3370	105	40	1999	1999	NUM
fsr-3370	105	41	;	;	PUNCT
fsr-3370	105	42	pålsson	pålsson	NOUN
fsr-3370	105	43	,	,	PUNCT
fsr-3370	105	44	1996	1996	NUM
fsr-3370	105	45	)	)	PUNCT
fsr-3370	105	46	,	,	PUNCT
fsr-3370	105	47	but	but	CCONJ
fsr-3370	105	48	the	the	DET
fsr-3370	105	49	explanatory	explanatory	ADJ
fsr-3370	105	50	power	power	NOUN
fsr-3370	105	51	and	and	CCONJ
fsr-3370	105	52	magnitude	magnitude	NOUN
fsr-3370	105	53	of	of	ADP
fsr-3370	105	54	their	their	PRON
fsr-3370	105	55	effects	effect	NOUN
fsr-3370	105	56	have	have	AUX
fsr-3370	105	57	been	be	AUX
fsr-3370	105	58	disputed	dispute	VERB
fsr-3370	105	59	(	(	PUNCT
fsr-3370	105	60	gollier	gollier	NOUN
fsr-3370	105	61	and	and	CCONJ
fsr-3370	105	62	zeckhauser	zeckhauser	NOUN
fsr-3370	105	63	,	,	PUNCT
fsr-3370	105	64	2002	2002	NUM
fsr-3370	105	65	;	;	PUNCT
fsr-3370	106	1	hariharan	hariharan	PROPN
fsr-3370	106	2	,	,	PUNCT
fsr-3370	106	3	chapman	chapman	PROPN
fsr-3370	106	4	,	,	PUNCT
fsr-3370	106	5	and	and	CCONJ
fsr-3370	106	6	domian	domian	PROPN
fsr-3370	106	7	,	,	PUNCT
fsr-3370	106	8	2000	2000	NUM
fsr-3370	106	9	)	)	PUNCT
fsr-3370	106	10	.	.	PUNCT
fsr-3370	107	1	in	in	ADP
fsr-3370	107	2	general	general	ADJ
fsr-3370	107	3	,	,	PUNCT
fsr-3370	107	4	young	young	ADJ
fsr-3370	107	5	men	man	NOUN
fsr-3370	107	6	and	and	CCONJ
fsr-3370	107	7	those	those	PRON
fsr-3370	107	8	with	with	ADP
fsr-3370	107	9	more	more	ADJ
fsr-3370	107	10	income	income	NOUN
fsr-3370	107	11	and	and	CCONJ
fsr-3370	107	12	wealth	wealth	NOUN
fsr-3370	107	13	are	be	AUX
fsr-3370	107	14	thought	think	VERB
fsr-3370	107	15	to	to	PART
fsr-3370	107	16	be	be	AUX
fsr-3370	107	17	more	more	ADJ
fsr-3370	107	18	risk	risk	NOUN
fsr-3370	107	19	tolerant	tolerant	ADJ
fsr-3370	107	20	compared	compare	VERB
fsr-3370	107	21	with	with	ADP
fsr-3370	107	22	older	old	ADJ
fsr-3370	107	23	individuals	individual	NOUN
fsr-3370	107	24	and	and	CCONJ
fsr-3370	107	25	those	those	PRON
fsr-3370	107	26	with	with	ADP
fsr-3370	107	27	fewer	few	ADJ
fsr-3370	107	28	resources	resource	NOUN
fsr-3370	107	29	.	.	PUNCT
fsr-3370	108	1	the	the	DET
fsr-3370	108	2	role	role	NOUN
fsr-3370	108	3	of	of	ADP
fsr-3370	108	4	household	household	NOUN
fsr-3370	108	5	size	size	NOUN
fsr-3370	108	6	in	in	ADP
fsr-3370	108	7	shaping	shape	VERB
fsr-3370	108	8	risk	risk	NOUN
fsr-3370	108	9	attitudes	attitude	NOUN
fsr-3370	108	10	has	have	AUX
fsr-3370	108	11	also	also	ADV
fsr-3370	108	12	been	be	AUX
fsr-3370	108	13	explored	explore	VERB
fsr-3370	108	14	.	.	PUNCT
fsr-3370	109	1	most	most	ADV
fsr-3370	109	2	often	often	ADV
fsr-3370	109	3	,	,	PUNCT
fsr-3370	109	4	large	large	ADJ
fsr-3370	109	5	households	household	NOUN
fsr-3370	109	6	tend	tend	VERB
fsr-3370	109	7	to	to	PART
fsr-3370	109	8	exhibit	exhibit	VERB
fsr-3370	109	9	relative	relative	ADJ
fsr-3370	109	10	risk	risk	NOUN
fsr-3370	109	11	aversion	aversion	NOUN
fsr-3370	109	12	.	.	PUNCT
fsr-3370	110	1	this	this	PRON
fsr-3370	110	2	may	may	AUX
fsr-3370	110	3	result	result	VERB
fsr-3370	110	4	from	from	ADP
fsr-3370	110	5	a	a	DET
fsr-3370	110	6	lack	lack	NOUN
fsr-3370	110	7	of	of	ADP
fsr-3370	110	8	risk	risk	NOUN
fsr-3370	110	9	capacity	capacity	NOUN
fsr-3370	110	10	or	or	CCONJ
fsr-3370	110	11	a	a	DET
fsr-3370	110	12	preference	preference	NOUN
fsr-3370	110	13	to	to	PART
fsr-3370	110	14	be	be	AUX
fsr-3370	110	15	conservative	conservative	ADJ
fsr-3370	110	16	with	with	ADP
fsr-3370	110	17	household	household	NOUN
fsr-3370	110	18	resources	resource	NOUN
fsr-3370	110	19	.	.	PUNCT
fsr-3370	111	1	similarly	similarly	ADV
fsr-3370	111	2	,	,	PUNCT
fsr-3370	111	3	variables	variable	NOUN
fsr-3370	111	4	associated	associate	VERB
fsr-3370	111	5	with	with	ADP
fsr-3370	111	6	human	human	ADJ
fsr-3370	111	7	capital	capital	NOUN
fsr-3370	111	8	have	have	AUX
fsr-3370	111	9	been	be	AUX
fsr-3370	111	10	found	find	VERB
fsr-3370	111	11	to	to	PART
fsr-3370	111	12	be	be	AUX
fsr-3370	111	13	positively	positively	ADV
fsr-3370	111	14	associated	associate	VERB
fsr-3370	111	15	with	with	ADP
fsr-3370	111	16	frt	frt	PROPN
fsr-3370	111	17	.	.	PUNCT
fsr-3370	112	1	higher	high	ADJ
fsr-3370	112	2	attained	attain	VERB
fsr-3370	112	3	education	education	NOUN
fsr-3370	112	4	,	,	PUNCT
fsr-3370	112	5	for	for	ADP
fsr-3370	112	6	example	example	NOUN
fsr-3370	112	7	,	,	PUNCT
fsr-3370	112	8	is	be	AUX
fsr-3370	112	9	generally	generally	ADV
fsr-3370	112	10	thought	think	VERB
fsr-3370	112	11	to	to	PART
fsr-3370	112	12	be	be	AUX
fsr-3370	112	13	associated	associate	VERB
fsr-3370	112	14	with	with	ADP
fsr-3370	112	15	elevated	elevated	ADJ
fsr-3370	112	16	levels	level	NOUN
fsr-3370	112	17	of	of	ADP
fsr-3370	112	18	frt	frt	PROPN
fsr-3370	112	19	.	.	PUNCT
fsr-3370	113	1	baker	baker	PROPN
fsr-3370	113	2	and	and	CCONJ
fsr-3370	113	3	haslem	haslem	PROPN
fsr-3370	113	4	(	(	PUNCT
fsr-3370	113	5	1974	1974	NUM
fsr-3370	113	6	)	)	PUNCT
fsr-3370	113	7	showed	show	VERB
fsr-3370	113	8	that	that	SCONJ
fsr-3370	113	9	some	some	DET
fsr-3370	113	10	socioeconomic	socioeconomic	ADJ
fsr-3370	113	11	characteristics	characteristic	NOUN
fsr-3370	113	12	have	have	VERB
fsr-3370	113	13	a	a	DET
fsr-3370	113	14	more	more	ADV
fsr-3370	113	15	profound	profound	ADJ
fsr-3370	113	16	influence	influence	NOUN
fsr-3370	113	17	in	in	ADP
fsr-3370	113	18	shaping	shape	VERB
fsr-3370	113	19	the	the	DET
fsr-3370	113	20	risk	risk	NOUN
fsr-3370	113	21	and	and	CCONJ
fsr-3370	113	22	return	return	VERB
fsr-3370	113	23	preferences	preference	NOUN
fsr-3370	113	24	of	of	ADP
fsr-3370	113	25	individual	individual	ADJ
fsr-3370	113	26	investors	investor	NOUN
fsr-3370	113	27	.	.	PUNCT
fsr-3370	114	1	among	among	ADP
fsr-3370	114	2	the	the	DET
fsr-3370	114	3	most	most	ADV
fsr-3370	114	4	important	important	ADJ
fsr-3370	114	5	factors	factor	NOUN
fsr-3370	114	6	are	be	AUX
fsr-3370	114	7	age	age	NOUN
fsr-3370	114	8	,	,	PUNCT
fsr-3370	114	9	gender	gender	NOUN
fsr-3370	114	10	,	,	PUNCT
fsr-3370	114	11	marital	marital	ADJ
fsr-3370	114	12	status	status	NOUN
fsr-3370	114	13	,	,	PUNCT
fsr-3370	114	14	education	education	NOUN
fsr-3370	114	15	,	,	PUNCT
fsr-3370	114	16	and	and	CCONJ
fsr-3370	114	17	income	income	NOUN
fsr-3370	114	18	.	.	PUNCT
fsr-3370	115	1	the	the	DET
fsr-3370	115	2	implications	implication	NOUN
fsr-3370	115	3	of	of	ADP
fsr-3370	115	4	their	their	PRON
fsr-3370	115	5	findings	finding	NOUN
fsr-3370	115	6	were	be	AUX
fsr-3370	115	7	that	that	SCONJ
fsr-3370	115	8	a	a	DET
fsr-3370	115	9	person	person	NOUN
fsr-3370	115	10	’s	’s	PART
fsr-3370	115	11	demographic	demographic	ADJ
fsr-3370	115	12	profile	profile	NOUN
fsr-3370	115	13	can	can	AUX
fsr-3370	115	14	have	have	VERB
fsr-3370	115	15	a	a	DET
fsr-3370	115	16	strong	strong	ADJ
fsr-3370	115	17	influence	influence	NOUN
fsr-3370	115	18	on	on	ADP
fsr-3370	115	19	perceptions	perception	NOUN
fsr-3370	115	20	of	of	ADP
fsr-3370	115	21	risk	risk	NOUN
fsr-3370	115	22	and	and	CCONJ
fsr-3370	115	23	ultimately	ultimately	ADV
fsr-3370	115	24	frt	frt	PROPN
fsr-3370	115	25	.	.	PUNCT
fsr-3370	116	1	in	in	ADP
fsr-3370	116	2	1997	1997	NUM
fsr-3370	116	3	,	,	PUNCT
fsr-3370	116	4	wang	wang	PROPN
fsr-3370	116	5	and	and	CCONJ
fsr-3370	116	6	hanna	hanna	PROPN
fsr-3370	116	7	(	(	PUNCT
fsr-3370	116	8	1997	1997	NUM
fsr-3370	116	9	)	)	PUNCT
fsr-3370	116	10	studied	study	VERB
fsr-3370	116	11	the	the	DET
fsr-3370	116	12	association	association	NOUN
fsr-3370	116	13	between	between	ADP
fsr-3370	116	14	age	age	NOUN
fsr-3370	116	15	and	and	CCONJ
fsr-3370	116	16	frt	frt	NOUN
fsr-3370	116	17	.	.	PUNCT
fsr-3370	117	1	based	base	VERB
fsr-3370	117	2	on	on	ADP
fsr-3370	117	3	data	datum	NOUN
fsr-3370	117	4	from	from	ADP
fsr-3370	117	5	the	the	DET
fsr-3370	117	6	survey	survey	NOUN
fsr-3370	117	7	of	of	ADP
fsr-3370	117	8	consumer	consumer	NOUN
fsr-3370	117	9	finances	finance	NOUN
fsr-3370	117	10	,	,	PUNCT
fsr-3370	117	11	they	they	PRON
fsr-3370	117	12	tested	test	VERB
fsr-3370	117	13	the	the	DET
fsr-3370	117	14	life	life	NOUN
fsr-3370	117	15	-	-	PUNCT
fsr-3370	117	16	cycle	cycle	NOUN
fsr-3370	117	17	investment	investment	NOUN
fsr-3370	117	18	theory	theory	NOUN
fsr-3370	117	19	.	.	PUNCT
fsr-3370	118	1	wang	wang	PROPN
fsr-3370	118	2	and	and	CCONJ
fsr-3370	118	3	hanna	hanna	PROPN
fsr-3370	118	4	measured	measure	VERB
fsr-3370	118	5	frt	frt	NOUN
fsr-3370	118	6	as	as	ADP
fsr-3370	118	7	the	the	DET
fsr-3370	118	8	amount	amount	NOUN
fsr-3370	118	9	of	of	ADP
fsr-3370	118	10	risky	risky	ADJ
fsr-3370	118	11	assets	asset	NOUN
fsr-3370	118	12	held	hold	VERB
fsr-3370	118	13	as	as	ADP
fsr-3370	118	14	a	a	DET
fsr-3370	118	15	percentage	percentage	NOUN
fsr-3370	118	16	of	of	ADP
fsr-3370	118	17	total	total	ADJ
fsr-3370	118	18	wealth	wealth	NOUN
fsr-3370	118	19	.	.	PUNCT
fsr-3370	119	1	they	they	PRON
fsr-3370	119	2	concluded	conclude	VERB
fsr-3370	119	3	that	that	SCONJ
fsr-3370	119	4	frt	frt	NOUN
fsr-3370	119	5	increased	increase	VERB
fsr-3370	119	6	with	with	ADP
fsr-3370	119	7	age	age	NOUN
fsr-3370	119	8	,	,	PUNCT
fsr-3370	119	9	controlling	control	VERB
fsr-3370	119	10	for	for	ADP
fsr-3370	119	11	other	other	ADJ
fsr-3370	119	12	important	important	ADJ
fsr-3370	119	13	variables	variable	NOUN
fsr-3370	119	14	.	.	PUNCT
fsr-3370	120	1	dahlbäck	dahlbäck	ADV
fsr-3370	120	2	(	(	PUNCT
fsr-3370	120	3	1991	1991	NUM
fsr-3370	120	4	)	)	PUNCT
fsr-3370	120	5	found	find	VERB
fsr-3370	120	6	that	that	SCONJ
fsr-3370	120	7	the	the	DET
fsr-3370	120	8	propensity	propensity	NOUN
fsr-3370	120	9	to	to	PART
fsr-3370	120	10	take	take	VERB
fsr-3370	120	11	risks	risk	NOUN
fsr-3370	120	12	was	be	AUX
fsr-3370	120	13	influenced	influence	VERB
fsr-3370	120	14	by	by	ADP
fsr-3370	120	15	saving	save	VERB
fsr-3370	120	16	decisions	decision	NOUN
fsr-3370	120	17	.	.	PUNCT
fsr-3370	121	1	individuals	individual	NOUN
fsr-3370	121	2	who	who	PRON
fsr-3370	121	3	are	be	AUX
fsr-3370	121	4	willing	willing	ADJ
fsr-3370	121	5	to	to	PART
fsr-3370	121	6	save	save	VERB
fsr-3370	121	7	more	more	ADJ
fsr-3370	121	8	may	may	AUX
fsr-3370	121	9	have	have	VERB
fsr-3370	121	10	the	the	DET
fsr-3370	121	11	ability	ability	NOUN
fsr-3370	121	12	to	to	PART
fsr-3370	121	13	invest	invest	VERB
fsr-3370	121	14	more	more	ADV
fsr-3370	121	15	aggressively	aggressively	ADV
fsr-3370	121	16	.	.	PUNCT
fsr-3370	122	1	this	this	PRON
fsr-3370	122	2	implies	imply	VERB
fsr-3370	122	3	that	that	SCONJ
fsr-3370	122	4	older	old	ADJ
fsr-3370	122	5	investors	investor	NOUN
fsr-3370	122	6	—	—	PUNCT
fsr-3370	122	7	typically	typically	ADV
fsr-3370	122	8	those	those	PRON
fsr-3370	122	9	with	with	ADP
fsr-3370	122	10	more	more	ADJ
fsr-3370	122	11	wealth	wealth	NOUN
fsr-3370	122	12	—	—	PUNCT
fsr-3370	122	13	may	may	AUX
fsr-3370	122	14	be	be	AUX
fsr-3370	122	15	more	more	ADV
fsr-3370	122	16	willing	willing	ADJ
fsr-3370	122	17	to	to	PART
fsr-3370	122	18	take	take	VERB
fsr-3370	122	19	more	more	ADJ
fsr-3370	122	20	risk	risk	NOUN
fsr-3370	122	21	.	.	PUNCT
fsr-3370	123	1	this	this	DET
fsr-3370	123	2	relationship	relationship	NOUN
fsr-3370	123	3	,	,	PUNCT
fsr-3370	123	4	however	however	ADV
fsr-3370	123	5	,	,	PUNCT
fsr-3370	123	6	is	be	AUX
fsr-3370	123	7	out	out	ADP
fsr-3370	123	8	of	of	ADP
fsr-3370	123	9	step	step	NOUN
fsr-3370	123	10	with	with	ADP
fsr-3370	123	11	what	what	PRON
fsr-3370	123	12	financial	financial	ADJ
fsr-3370	123	13	planners	planner	NOUN
fsr-3370	123	14	typically	typically	ADV
fsr-3370	123	15	assume	assume	VERB
fsr-3370	123	16	.	.	PUNCT
fsr-3370	124	1	nearly	nearly	ADV
fsr-3370	124	2	all	all	PRON
fsr-3370	124	3	financial	financial	ADJ
fsr-3370	124	4	planners	planner	NOUN
fsr-3370	124	5	,	,	PUNCT
fsr-3370	124	6	and	and	CCONJ
fsr-3370	124	7	some	some	DET
fsr-3370	124	8	individual	individual	ADJ
fsr-3370	124	9	investors	investor	NOUN
fsr-3370	124	10	,	,	PUNCT
fsr-3370	124	11	simply	simply	ADV
fsr-3370	124	12	use	use	VERB
fsr-3370	124	13	heuristics	heuristic	NOUN
fsr-3370	124	14	or	or	CCONJ
fsr-3370	124	15	rules	rule	NOUN
fsr-3370	124	16	such	such	ADJ
fsr-3370	124	17	“	"	PUNCT
fsr-3370	124	18	age	age	NOUN
fsr-3370	124	19	�	�	NOUN
fsr-3370	124	20	percent	percent	NOUN
fsr-3370	124	21	allocated	allocate	VERB
fsr-3370	124	22	to	to	ADP
fsr-3370	124	23	bonds	bond	NOUN
fsr-3370	124	24	”	"	PUNCT
fsr-3370	124	25	to	to	PART
fsr-3370	124	26	estimate	estimate	VERB
fsr-3370	124	27	the	the	DET
fsr-3370	124	28	appropriate	appropriate	ADJ
fsr-3370	124	29	risk	risk	NOUN
fsr-3370	124	30	level	level	NOUN
fsr-3370	124	31	within	within	ADP
fsr-3370	124	32	a	a	DET
fsr-3370	124	33	given	give	VERB
fsr-3370	124	34	portfolio	portfolio	NOUN
fsr-3370	124	35	allocation	allocation	NOUN
fsr-3370	124	36	(	(	PUNCT
fsr-3370	124	37	benartzi	benartzi	NOUN
fsr-3370	124	38	and	and	CCONJ
fsr-3370	124	39	thaler	thaler	NOUN
fsr-3370	124	40	,	,	PUNCT
fsr-3370	124	41	2007	2007	NUM
fsr-3370	124	42	)	)	PUNCT
fsr-3370	124	43	.	.	PUNCT
fsr-3370	125	1	however	however	ADV
fsr-3370	125	2	,	,	PUNCT
fsr-3370	125	3	the	the	DET
fsr-3370	125	4	effect	effect	NOUN
fsr-3370	125	5	may	may	AUX
fsr-3370	125	6	not	not	PART
fsr-3370	125	7	always	always	ADV
fsr-3370	125	8	be	be	AUX
fsr-3370	125	9	related	relate	VERB
fsr-3370	125	10	to	to	ADP
fsr-3370	125	11	biological	biological	ADJ
fsr-3370	125	12	age	age	NOUN
fsr-3370	125	13	but	but	CCONJ
fsr-3370	125	14	instead	instead	ADV
fsr-3370	125	15	age	age	NOUN
fsr-3370	125	16	acting	act	VERB
fsr-3370	125	17	as	as	ADP
fsr-3370	125	18	a	a	DET
fsr-3370	125	19	proxy	proxy	NOUN
fsr-3370	125	20	for	for	ADP
fsr-3370	125	21	an	an	DET
fsr-3370	125	22	investor	investor	NOUN
fsr-3370	125	23	’s	’s	PART
fsr-3370	125	24	time	time	NOUN
fsr-3370	125	25	horizon	horizon	NOUN
fsr-3370	125	26	or	or	CCONJ
fsr-3370	125	27	risk	risk	NOUN
fsr-3370	125	28	capacity	capacity	NOUN
fsr-3370	125	29	.	.	PUNCT
fsr-3370	126	1	by	by	ADP
fsr-3370	126	2	default	default	NOUN
fsr-3370	126	3	,	,	PUNCT
fsr-3370	126	4	as	as	SCONJ
fsr-3370	126	5	someone	someone	PRON
fsr-3370	126	6	ages	age	NOUN
fsr-3370	126	7	they	they	PRON
fsr-3370	126	8	lose	lose	VERB
fsr-3370	126	9	time	time	NOUN
fsr-3370	126	10	to	to	PART
fsr-3370	126	11	recoup	recoup	VERB
fsr-3370	126	12	potential	potential	ADJ
fsr-3370	126	13	losses	loss	NOUN
fsr-3370	126	14	.	.	PUNCT
fsr-3370	127	1	as	as	ADP
fsr-3370	127	2	such	such	ADJ
fsr-3370	127	3	,	,	PUNCT
fsr-3370	127	4	there	there	PRON
fsr-3370	127	5	may	may	AUX
fsr-3370	127	6	be	be	AUX
fsr-3370	127	7	no	no	DET
fsr-3370	127	8	real	real	ADJ
fsr-3370	127	9	age	age	NOUN
fsr-3370	127	10	effect	effect	NOUN
fsr-3370	127	11	.	.	PUNCT
fsr-3370	128	1	a	a	DET
fsr-3370	128	2	1996	1996	NUM
fsr-3370	128	3	study	study	NOUN
fsr-3370	128	4	by	by	ADP
fsr-3370	128	5	sung	sung	PROPN
fsr-3370	128	6	and	and	CCONJ
fsr-3370	128	7	hanna	hanna	PROPN
fsr-3370	128	8	(	(	PUNCT
fsr-3370	128	9	1996	1996	NUM
fsr-3370	128	10	)	)	PUNCT
fsr-3370	128	11	investigated	investigate	VERB
fsr-3370	128	12	several	several	ADJ
fsr-3370	128	13	factors	factor	NOUN
fsr-3370	128	14	that	that	PRON
fsr-3370	128	15	are	be	AUX
fsr-3370	128	16	generally	generally	ADV
fsr-3370	128	17	thought	think	VERB
fsr-3370	128	18	to	to	PART
fsr-3370	128	19	have	have	VERB
fsr-3370	128	20	a	a	DET
fsr-3370	128	21	positive	positive	ADJ
fsr-3370	128	22	association	association	NOUN
fsr-3370	128	23	with	with	ADP
fsr-3370	128	24	a	a	DET
fsr-3370	128	25	household	household	NOUN
fsr-3370	128	26	’s	’s	PART
fsr-3370	128	27	willingness	willingness	NOUN
fsr-3370	128	28	to	to	PART
fsr-3370	128	29	take	take	VERB
fsr-3370	128	30	a	a	DET
fsr-3370	128	31	financial	financial	ADJ
fsr-3370	128	32	risk	risk	NOUN
fsr-3370	128	33	.	.	PUNCT
fsr-3370	129	1	based	base	VERB
fsr-3370	129	2	on	on	ADP
fsr-3370	129	3	data	datum	NOUN
fsr-3370	129	4	from	from	ADP
fsr-3370	129	5	the	the	DET
fsr-3370	129	6	1992	1992	NUM
fsr-3370	129	7	survey	survey	NOUN
fsr-3370	129	8	of	of	ADP
fsr-3370	129	9	consumer	consumer	NOUN
fsr-3370	129	10	finances	finance	NOUN
fsr-3370	129	11	,	,	PUNCT
fsr-3370	129	12	they	they	PRON
fsr-3370	129	13	concluded	conclude	VERB
fsr-3370	129	14	that	that	SCONJ
fsr-3370	129	15	education	education	NOUN
fsr-3370	129	16	,	,	PUNCT
fsr-3370	129	17	age	age	NOUN
fsr-3370	129	18	,	,	PUNCT
fsr-3370	129	19	and	and	CCONJ
fsr-3370	129	20	net	net	ADJ
fsr-3370	129	21	worth	worth	NOUN
fsr-3370	129	22	(	(	PUNCT
fsr-3370	129	23	including	include	VERB
fsr-3370	129	24	liquidity	liquidity	NOUN
fsr-3370	129	25	)	)	PUNCT
fsr-3370	129	26	were	be	AUX
fsr-3370	129	27	positively	positively	ADV
fsr-3370	129	28	correlated	correlate	VERB
fsr-3370	129	29	with	with	ADP
fsr-3370	129	30	a	a	DET
fsr-3370	129	31	household	household	NOUN
fsr-3370	129	32	’s	’s	PART
fsr-3370	129	33	willingness	willingness	NOUN
fsr-3370	129	34	to	to	PART
fsr-3370	129	35	take	take	VERB
fsr-3370	129	36	some	some	DET
fsr-3370	129	37	level	level	NOUN
fsr-3370	129	38	of	of	ADP
fsr-3370	129	39	risk	risk	NOUN
fsr-3370	129	40	.	.	PUNCT
fsr-3370	130	1	it	it	PRON
fsr-3370	130	2	was	be	AUX
fsr-3370	130	3	also	also	ADV
fsr-3370	130	4	shown	show	VERB
fsr-3370	130	5	that	that	SCONJ
fsr-3370	130	6	female	female	ADJ
fsr-3370	130	7	headed	head	VERB
fsr-3370	130	8	households	household	NOUN
fsr-3370	130	9	were	be	AUX
fsr-3370	130	10	less	less	ADV
fsr-3370	130	11	likely	likely	ADJ
fsr-3370	130	12	to	to	PART
fsr-3370	130	13	be	be	AUX
fsr-3370	130	14	risk	risk	NOUN
fsr-3370	130	15	tolerant	tolerant	ADJ
fsr-3370	130	16	compared	compare	VERB
fsr-3370	130	17	with	with	ADP
fsr-3370	130	18	similar	similar	ADJ
fsr-3370	130	19	male	male	NOUN
fsr-3370	130	20	headed	head	VERB
fsr-3370	130	21	or	or	CCONJ
fsr-3370	130	22	married	married	ADJ
fsr-3370	130	23	households	household	NOUN
fsr-3370	130	24	.	.	PUNCT
fsr-3370	131	1	grable	grable	NOUN
fsr-3370	131	2	(	(	PUNCT
fsr-3370	131	3	2000	2000	NUM
fsr-3370	131	4	)	)	PUNCT
fsr-3370	131	5	measured	measure	VERB
fsr-3370	131	6	risk	risk	NOUN
fsr-3370	131	7	taking	take	VERB
fsr-3370	131	8	in	in	ADP
fsr-3370	131	9	everyday	everyday	ADJ
fsr-3370	131	10	money	money	NOUN
fsr-3370	131	11	matters	matter	NOUN
fsr-3370	131	12	and	and	CCONJ
fsr-3370	131	13	the	the	DET
fsr-3370	131	14	relationships	relationship	NOUN
fsr-3370	131	15	among	among	ADP
fsr-3370	131	16	demographic	demographic	ADJ
fsr-3370	131	17	,	,	PUNCT
fsr-3370	131	18	socioeconomic	socioeconomic	ADJ
fsr-3370	131	19	,	,	PUNCT
fsr-3370	131	20	and	and	CCONJ
fsr-3370	131	21	attitude	attitude	NOUN
fsr-3370	131	22	characteristics	characteristic	NOUN
fsr-3370	131	23	both	both	CCONJ
fsr-3370	131	24	in	in	ADP
fsr-3370	131	25	individuals	individual	NOUN
fsr-3370	131	26	and	and	CCONJ
fsr-3370	131	27	groups	group	NOUN
fsr-3370	131	28	.	.	PUNCT
fsr-3370	132	1	his	his	PRON
fsr-3370	132	2	results	result	NOUN
fsr-3370	132	3	showed	show	VERB
fsr-3370	132	4	that	that	SCONJ
fsr-3370	132	5	a	a	DET
fsr-3370	132	6	higher	high	ADJ
fsr-3370	132	7	frt	frt	NOUN
fsr-3370	132	8	was	be	AUX
fsr-3370	132	9	associated	associate	VERB
fsr-3370	132	10	with	with	ADP
fsr-3370	132	11	being	be	AUX
fsr-3370	132	12	male	male	ADJ
fsr-3370	132	13	,	,	PUNCT
fsr-3370	132	14	older	old	ADJ
fsr-3370	132	15	,	,	PUNCT
fsr-3370	132	16	married	married	ADJ
fsr-3370	132	17	,	,	PUNCT
fsr-3370	132	18	professionally	professionally	ADV
fsr-3370	132	19	employed	employ	VERB
fsr-3370	132	20	with	with	ADP
fsr-3370	132	21	higher	high	ADJ
fsr-3370	132	22	income	income	NOUN
fsr-3370	132	23	,	,	PUNCT
fsr-3370	132	24	and	and	CCONJ
fsr-3370	132	25	more	more	ADJ
fsr-3370	132	26	education	education	NOUN
fsr-3370	132	27	,	,	PUNCT
fsr-3370	132	28	among	among	ADP
fsr-3370	132	29	other	other	ADJ
fsr-3370	132	30	factors	factor	NOUN
fsr-3370	132	31	.	.	PUNCT
fsr-3370	133	1	morin	morin	NOUN
fsr-3370	133	2	and	and	CCONJ
fsr-3370	133	3	suarez	suarez	PROPN
fsr-3370	133	4	(	(	PUNCT
fsr-3370	133	5	1983	1983	NUM
fsr-3370	133	6	)	)	PUNCT
fsr-3370	133	7	examined	examine	VERB
fsr-3370	133	8	the	the	DET
fsr-3370	133	9	empirical	empirical	ADJ
fsr-3370	133	10	evidence	evidence	NOUN
fsr-3370	133	11	of	of	ADP
fsr-3370	133	12	the	the	DET
fsr-3370	133	13	effects	effect	NOUN
fsr-3370	133	14	of	of	ADP
fsr-3370	133	15	wealth	wealth	NOUN
fsr-3370	133	16	on	on	ADP
fsr-3370	133	17	relative	relative	ADJ
fsr-3370	133	18	risk	risk	NOUN
fsr-3370	133	19	aversion	aversion	NOUN
fsr-3370	133	20	.	.	PUNCT
fsr-3370	134	1	their	their	PRON
fsr-3370	134	2	work	work	NOUN
fsr-3370	134	3	investigated	investigate	VERB
fsr-3370	134	4	a	a	DET
fsr-3370	134	5	household	household	NOUN
fsr-3370	134	6	’s	’s	PART
fsr-3370	134	7	demand	demand	NOUN
fsr-3370	134	8	for	for	ADP
fsr-3370	134	9	risky	risky	ADJ
fsr-3370	134	10	investments	investment	NOUN
fsr-3370	134	11	using	use	VERB
fsr-3370	134	12	a	a	DET
fsr-3370	134	13	320	320	NUM
fsr-3370	134	14	s.	s.	PROPN
fsr-3370	134	15	kuzniak	kuzniak	PROPN
fsr-3370	134	16	,	,	PUNCT
fsr-3370	134	17	j.e	j.e	PROPN
fsr-3370	134	18	.	.	PROPN
fsr-3370	134	19	grable	grable	PROPN
fsr-3370	134	20	/	/	SYM
fsr-3370	134	21	financial	financial	ADJ
fsr-3370	134	22	services	service	NOUN
fsr-3370	134	23	review	review	VERB
fsr-3370	134	24	26	26	NUM
fsr-3370	134	25	(	(	PUNCT
fsr-3370	134	26	2017	2017	NUM
fsr-3370	134	27	)	)	PUNCT
fsr-3370	134	28	315–338	315–338	NUM
fsr-3370	134	29	dataset	dataset	NOUN
fsr-3370	134	30	of	of	ADP
fsr-3370	134	31	asset	asset	NOUN
fsr-3370	134	32	holdings	holding	NOUN
fsr-3370	134	33	based	base	VERB
fsr-3370	134	34	in	in	ADP
fsr-3370	134	35	canada	canada	PROPN
fsr-3370	134	36	.	.	PUNCT
fsr-3370	135	1	the	the	DET
fsr-3370	135	2	results	result	NOUN
fsr-3370	135	3	of	of	ADP
fsr-3370	135	4	their	their	PRON
fsr-3370	135	5	study	study	NOUN
fsr-3370	135	6	showed	show	VERB
fsr-3370	135	7	a	a	DET
fsr-3370	135	8	diverging	diverging	ADJ
fsr-3370	135	9	relative	relative	ADJ
fsr-3370	135	10	risk	risk	NOUN
fsr-3370	135	11	aversion	aversion	NOUN
fsr-3370	135	12	when	when	SCONJ
fsr-3370	135	13	housing	housing	NOUN
fsr-3370	135	14	was	be	AUX
fsr-3370	135	15	excluded	exclude	VERB
fsr-3370	135	16	from	from	ADP
fsr-3370	135	17	the	the	DET
fsr-3370	135	18	definition	definition	NOUN
fsr-3370	135	19	of	of	ADP
fsr-3370	135	20	wealth	wealth	NOUN
fsr-3370	135	21	(	(	PUNCT
fsr-3370	135	22	or	or	CCONJ
fsr-3370	135	23	investments	investment	NOUN
fsr-3370	135	24	)	)	PUNCT
fsr-3370	135	25	or	or	CCONJ
fsr-3370	135	26	treated	treat	VERB
fsr-3370	135	27	as	as	ADP
fsr-3370	135	28	a	a	DET
fsr-3370	135	29	riskless	riskless	NOUN
fsr-3370	135	30	asset	asset	NOUN
fsr-3370	135	31	.	.	PUNCT
fsr-3370	136	1	in	in	ADP
fsr-3370	136	2	addition	addition	NOUN
fsr-3370	136	3	,	,	PUNCT
fsr-3370	136	4	they	they	PRON
fsr-3370	136	5	noted	note	VERB
fsr-3370	136	6	that	that	SCONJ
fsr-3370	136	7	an	an	DET
fsr-3370	136	8	investor	investor	NOUN
fsr-3370	136	9	’s	’s	PART
fsr-3370	136	10	stage	stage	NOUN
fsr-3370	136	11	in	in	ADP
fsr-3370	136	12	the	the	DET
fsr-3370	136	13	life	life	NOUN
fsr-3370	136	14	cycle	cycle	NOUN
fsr-3370	136	15	and	and	CCONJ
fsr-3370	136	16	age	age	NOUN
fsr-3370	136	17	were	be	AUX
fsr-3370	136	18	uniformly	uniformly	ADV
fsr-3370	136	19	increasing	increase	VERB
fsr-3370	136	20	over	over	ADP
fsr-3370	136	21	time	time	NOUN
fsr-3370	136	22	with	with	ADP
fsr-3370	136	23	tolerance	tolerance	NOUN
fsr-3370	136	24	for	for	ADP
fsr-3370	136	25	risk	risk	NOUN
fsr-3370	136	26	.	.	PUNCT
fsr-3370	137	1	bakshi	bakshi	PROPN
fsr-3370	137	2	and	and	CCONJ
fsr-3370	137	3	chen	chen	PROPN
fsr-3370	137	4	(	(	PUNCT
fsr-3370	137	5	1994	1994	NUM
fsr-3370	137	6	)	)	PUNCT
fsr-3370	137	7	tested	test	VERB
fsr-3370	137	8	how	how	SCONJ
fsr-3370	137	9	changes	change	NOUN
fsr-3370	137	10	in	in	ADP
fsr-3370	137	11	demographic	demographic	ADJ
fsr-3370	137	12	variables	variable	NOUN
fsr-3370	137	13	influence	influence	NOUN
fsr-3370	137	14	investments	investment	NOUN
fsr-3370	137	15	in	in	ADP
fsr-3370	137	16	capital	capital	NOUN
fsr-3370	137	17	markets	market	NOUN
fsr-3370	137	18	.	.	PUNCT
fsr-3370	138	1	the	the	DET
fsr-3370	138	2	life	life	NOUN
fsr-3370	138	3	-	-	PUNCT
fsr-3370	138	4	cycle	cycle	NOUN
fsr-3370	138	5	investment	investment	NOUN
fsr-3370	138	6	hypothesis	hypothesis	NOUN
fsr-3370	138	7	suggests	suggest	VERB
fsr-3370	138	8	that	that	SCONJ
fsr-3370	138	9	at	at	ADP
fsr-3370	138	10	an	an	DET
fsr-3370	138	11	early	early	ADJ
fsr-3370	138	12	stage	stage	NOUN
fsr-3370	138	13	an	an	DET
fsr-3370	138	14	investor	investor	NOUN
fsr-3370	138	15	will	will	AUX
fsr-3370	138	16	allocate	allocate	VERB
fsr-3370	138	17	more	more	ADJ
fsr-3370	138	18	wealth	wealth	NOUN
fsr-3370	138	19	to	to	ADP
fsr-3370	138	20	housing	housing	NOUN
fsr-3370	138	21	and	and	CCONJ
fsr-3370	138	22	then	then	ADV
fsr-3370	138	23	allocate	allocate	VERB
fsr-3370	138	24	a	a	DET
fsr-3370	138	25	higher	high	ADJ
fsr-3370	138	26	proportion	proportion	NOUN
fsr-3370	138	27	of	of	ADP
fsr-3370	138	28	resources	resource	NOUN
fsr-3370	138	29	to	to	ADP
fsr-3370	138	30	financial	financial	ADJ
fsr-3370	138	31	assets	asset	NOUN
fsr-3370	138	32	at	at	ADP
fsr-3370	138	33	later	later	ADJ
fsr-3370	138	34	life	life	NOUN
fsr-3370	138	35	stages	stage	NOUN
fsr-3370	138	36	.	.	PUNCT
fsr-3370	139	1	using	use	VERB
fsr-3370	139	2	the	the	DET
fsr-3370	139	3	euler	euler	NOUN
fsr-3370	139	4	equation	equation	NOUN
fsr-3370	139	5	,	,	PUNCT
fsr-3370	139	6	bakshi	bakshi	PROPN
fsr-3370	139	7	and	and	CCONJ
fsr-3370	139	8	chen	chen	PROPN
fsr-3370	139	9	provided	provide	VERB
fsr-3370	139	10	baseline	baseline	NOUN
fsr-3370	139	11	estimates	estimate	NOUN
fsr-3370	139	12	for	for	ADP
fsr-3370	139	13	determining	determine	VERB
fsr-3370	139	14	how	how	SCONJ
fsr-3370	139	15	risk	risk	NOUN
fsr-3370	139	16	aversion	aversion	NOUN
fsr-3370	139	17	and	and	CCONJ
fsr-3370	139	18	investor	investor	NOUN
fsr-3370	139	19	“	"	PUNCT
fsr-3370	139	20	consumptionportfolios	consumptionportfolio	NOUN
fsr-3370	139	21	”	"	PUNCT
fsr-3370	139	22	can	can	AUX
fsr-3370	139	23	be	be	AUX
fsr-3370	139	24	measured	measure	VERB
fsr-3370	139	25	for	for	ADP
fsr-3370	139	26	individuals	individual	NOUN
fsr-3370	139	27	of	of	ADP
fsr-3370	139	28	all	all	DET
fsr-3370	139	29	ages	age	NOUN
fsr-3370	139	30	and	and	CCONJ
fsr-3370	139	31	across	across	ADP
fsr-3370	139	32	diverse	diverse	ADJ
fsr-3370	139	33	cultural	cultural	ADJ
fsr-3370	139	34	environments	environment	NOUN
fsr-3370	139	35	.	.	PUNCT
fsr-3370	140	1	they	they	PRON
fsr-3370	140	2	noted	note	VERB
fsr-3370	140	3	that	that	SCONJ
fsr-3370	140	4	when	when	SCONJ
fsr-3370	140	5	the	the	DET
fsr-3370	140	6	population	population	NOUN
fsr-3370	140	7	ages	age	NOUN
fsr-3370	140	8	,	,	PUNCT
fsr-3370	140	9	aggregate	aggregate	ADJ
fsr-3370	140	10	demand	demand	NOUN
fsr-3370	140	11	for	for	ADP
fsr-3370	140	12	financial	financial	ADJ
fsr-3370	140	13	investments	investment	NOUN
fsr-3370	140	14	rise	rise	VERB
fsr-3370	140	15	and	and	CCONJ
fsr-3370	140	16	demand	demand	NOUN
fsr-3370	140	17	for	for	ADP
fsr-3370	140	18	housing	housing	NOUN
fsr-3370	140	19	declines	decline	NOUN
fsr-3370	140	20	.	.	PUNCT
fsr-3370	141	1	one	one	NUM
fsr-3370	141	2	conclusion	conclusion	NOUN
fsr-3370	141	3	from	from	ADP
fsr-3370	141	4	their	their	PRON
fsr-3370	141	5	work	work	NOUN
fsr-3370	141	6	was	be	AUX
fsr-3370	141	7	that	that	SCONJ
fsr-3370	141	8	changes	change	NOUN
fsr-3370	141	9	in	in	ADP
fsr-3370	141	10	someone	someone	PRON
fsr-3370	141	11	’s	’s	PART
fsr-3370	141	12	demographic	demographic	ADJ
fsr-3370	141	13	profile	profile	NOUN
fsr-3370	141	14	can	can	AUX
fsr-3370	141	15	bring	bring	VERB
fsr-3370	141	16	about	about	ADP
fsr-3370	141	17	fluctuations	fluctuation	NOUN
fsr-3370	141	18	in	in	ADP
fsr-3370	141	19	asset	asset	NOUN
fsr-3370	141	20	demand	demand	NOUN
fsr-3370	141	21	.	.	PUNCT
fsr-3370	142	1	3.3	3.3	NUM
fsr-3370	142	2	.	.	PUNCT
fsr-3370	143	1	social	social	ADJ
fsr-3370	143	2	support	support	NOUN
fsr-3370	143	3	and	and	CCONJ
fsr-3370	143	4	country	country	NOUN
fsr-3370	143	5	of	of	ADP
fsr-3370	143	6	origin	origin	NOUN
fsr-3370	143	7	factors	factor	NOUN
fsr-3370	143	8	cross	cross	ADJ
fsr-3370	143	9	-	-	ADJ
fsr-3370	143	10	cultural	cultural	ADJ
fsr-3370	143	11	frt	frt	NOUN
fsr-3370	143	12	has	have	AUX
fsr-3370	143	13	emerged	emerge	VERB
fsr-3370	143	14	over	over	ADP
fsr-3370	143	15	the	the	DET
fsr-3370	143	16	last	last	ADJ
fsr-3370	143	17	20	20	NUM
fsr-3370	143	18	years	year	NOUN
fsr-3370	143	19	as	as	ADP
fsr-3370	143	20	a	a	DET
fsr-3370	143	21	niche	niche	NOUN
fsr-3370	143	22	area	area	NOUN
fsr-3370	143	23	of	of	ADP
fsr-3370	143	24	interest	interest	NOUN
fsr-3370	143	25	among	among	ADP
fsr-3370	143	26	those	those	PRON
fsr-3370	143	27	who	who	PRON
fsr-3370	143	28	study	study	VERB
fsr-3370	143	29	frt	frt	PROPN
fsr-3370	143	30	.	.	PUNCT
fsr-3370	144	1	bontempo	bontempo	PROPN
fsr-3370	144	2	,	,	PUNCT
fsr-3370	144	3	bottom	bottom	NOUN
fsr-3370	144	4	,	,	PUNCT
fsr-3370	144	5	and	and	CCONJ
fsr-3370	144	6	weber	weber	PROPN
fsr-3370	144	7	(	(	PUNCT
fsr-3370	144	8	1997	1997	NUM
fsr-3370	144	9	)	)	PUNCT
fsr-3370	144	10	observed	observe	VERB
fsr-3370	144	11	patterns	pattern	NOUN
fsr-3370	144	12	across	across	ADP
fsr-3370	144	13	four	four	NUM
fsr-3370	144	14	different	different	ADJ
fsr-3370	144	15	countries	country	NOUN
fsr-3370	144	16	.	.	PUNCT
fsr-3370	145	1	they	they	PRON
fsr-3370	145	2	concluded	conclude	VERB
fsr-3370	145	3	that	that	SCONJ
fsr-3370	145	4	uncertainty	uncertainty	NOUN
fsr-3370	145	5	avoidance	avoidance	NOUN
fsr-3370	145	6	in	in	ADP
fsr-3370	145	7	a	a	DET
fsr-3370	145	8	country	country	NOUN
fsr-3370	145	9	may	may	AUX
fsr-3370	145	10	influence	influence	VERB
fsr-3370	145	11	risk	risk	NOUN
fsr-3370	145	12	perceptions	perception	NOUN
fsr-3370	145	13	.	.	PUNCT
fsr-3370	146	1	many	many	ADJ
fsr-3370	146	2	other	other	ADJ
fsr-3370	146	3	studies	study	NOUN
fsr-3370	146	4	using	use	VERB
fsr-3370	146	5	international	international	ADJ
fsr-3370	146	6	comparisons	comparison	NOUN
fsr-3370	146	7	have	have	AUX
fsr-3370	146	8	observed	observe	VERB
fsr-3370	146	9	differences	difference	NOUN
fsr-3370	146	10	between	between	ADP
fsr-3370	146	11	the	the	DET
fsr-3370	146	12	united	united	PROPN
fsr-3370	146	13	states	states	PROPN
fsr-3370	146	14	(	(	PUNCT
fsr-3370	146	15	or	or	CCONJ
fsr-3370	146	16	western	western	ADJ
fsr-3370	146	17	europe	europe	PROPN
fsr-3370	146	18	)	)	PUNCT
fsr-3370	146	19	and	and	CCONJ
fsr-3370	146	20	asian	asian	ADJ
fsr-3370	146	21	countries	country	NOUN
fsr-3370	146	22	,	,	PUNCT
fsr-3370	146	23	notably	notably	ADV
fsr-3370	146	24	china	china	PROPN
fsr-3370	146	25	(	(	PUNCT
fsr-3370	146	26	fan	fan	PROPN
fsr-3370	146	27	and	and	CCONJ
fsr-3370	146	28	xiao	xiao	PROPN
fsr-3370	146	29	,	,	PUNCT
fsr-3370	146	30	2005	2005	NUM
fsr-3370	146	31	;	;	PUNCT
fsr-3370	146	32	hsee	hsee	PROPN
fsr-3370	146	33	and	and	CCONJ
fsr-3370	146	34	weber	weber	PROPN
fsr-3370	146	35	,	,	PUNCT
fsr-3370	146	36	1999	1999	NUM
fsr-3370	146	37	;	;	PUNCT
fsr-3370	146	38	tan	tan	PROPN
fsr-3370	146	39	,	,	PUNCT
fsr-3370	146	40	2011	2011	NUM
fsr-3370	146	41	;	;	PUNCT
fsr-3370	146	42	wang	wang	PROPN
fsr-3370	146	43	and	and	CCONJ
fsr-3370	146	44	fischbeck	fischbeck	PROPN
fsr-3370	146	45	,	,	PUNCT
fsr-3370	146	46	2004	2004	NUM
fsr-3370	146	47	)	)	PUNCT
fsr-3370	146	48	.	.	PUNCT
fsr-3370	147	1	findings	finding	NOUN
fsr-3370	147	2	from	from	ADP
fsr-3370	147	3	these	these	DET
fsr-3370	147	4	studies	study	NOUN
fsr-3370	147	5	have	have	AUX
fsr-3370	147	6	generally	generally	ADV
fsr-3370	147	7	indicated	indicate	VERB
fsr-3370	147	8	that	that	SCONJ
fsr-3370	147	9	the	the	DET
fsr-3370	147	10	chinese	chinese	PROPN
fsr-3370	147	11	are	be	AUX
fsr-3370	147	12	more	more	ADJ
fsr-3370	147	13	risk	risk	NOUN
fsr-3370	147	14	seeking	seek	VERB
fsr-3370	147	15	in	in	ADP
fsr-3370	147	16	financial	financial	ADJ
fsr-3370	147	17	arenas	arena	NOUN
fsr-3370	147	18	but	but	CCONJ
fsr-3370	147	19	not	not	PART
fsr-3370	147	20	necessarily	necessarily	ADV
fsr-3370	147	21	across	across	ADP
fsr-3370	147	22	other	other	ADJ
fsr-3370	147	23	domains	domain	NOUN
fsr-3370	147	24	of	of	ADP
fsr-3370	147	25	risk	risk	NOUN
fsr-3370	147	26	.	.	PUNCT
fsr-3370	148	1	kim	kim	PROPN
fsr-3370	148	2	,	,	PUNCT
fsr-3370	148	3	chatterjee	chatterjee	PROPN
fsr-3370	148	4	,	,	PUNCT
fsr-3370	148	5	and	and	CCONJ
fsr-3370	148	6	cho	cho	PROPN
fsr-3370	148	7	(	(	PUNCT
fsr-3370	148	8	2012	2012	NUM
fsr-3370	148	9	)	)	PUNCT
fsr-3370	148	10	looked	look	VERB
fsr-3370	148	11	at	at	ADP
fsr-3370	148	12	the	the	DET
fsr-3370	148	13	differences	difference	NOUN
fsr-3370	148	14	in	in	ADP
fsr-3370	148	15	asset	asset	NOUN
fsr-3370	148	16	ownership	ownership	NOUN
fsr-3370	148	17	of	of	ADP
fsr-3370	148	18	asian	asian	ADJ
fsr-3370	148	19	immigrants	immigrant	NOUN
fsr-3370	148	20	from	from	ADP
fsr-3370	148	21	many	many	ADJ
fsr-3370	148	22	different	different	ADJ
fsr-3370	148	23	countries	country	NOUN
fsr-3370	148	24	including	include	VERB
fsr-3370	148	25	china	china	PROPN
fsr-3370	148	26	.	.	PUNCT
fsr-3370	149	1	they	they	PRON
fsr-3370	149	2	found	find	VERB
fsr-3370	149	3	a	a	DET
fsr-3370	149	4	strong	strong	ADJ
fsr-3370	149	5	relationship	relationship	NOUN
fsr-3370	149	6	between	between	ADP
fsr-3370	149	7	country	country	NOUN
fsr-3370	149	8	of	of	ADP
fsr-3370	149	9	origin	origin	NOUN
fsr-3370	149	10	and	and	CCONJ
fsr-3370	149	11	the	the	DET
fsr-3370	149	12	holdings	holding	NOUN
fsr-3370	149	13	of	of	ADP
fsr-3370	149	14	different	different	ADJ
fsr-3370	149	15	asset	asset	NOUN
fsr-3370	149	16	classes	class	NOUN
fsr-3370	149	17	,	,	PUNCT
fsr-3370	149	18	including	include	VERB
fsr-3370	149	19	homeownership	homeownership	NOUN
fsr-3370	149	20	,	,	PUNCT
fsr-3370	149	21	equities	equity	NOUN
fsr-3370	149	22	,	,	PUNCT
fsr-3370	149	23	and	and	CCONJ
fsr-3370	149	24	business	business	NOUN
fsr-3370	149	25	ownership	ownership	NOUN
fsr-3370	149	26	.	.	PUNCT
fsr-3370	150	1	rieger	rieger	PROPN
fsr-3370	150	2	,	,	PUNCT
fsr-3370	150	3	wang	wang	PROPN
fsr-3370	150	4	,	,	PUNCT
fsr-3370	150	5	and	and	CCONJ
fsr-3370	150	6	hens	hen	NOUN
fsr-3370	150	7	(	(	PUNCT
fsr-3370	150	8	2014	2014	NUM
fsr-3370	150	9	)	)	PUNCT
fsr-3370	150	10	presented	present	VERB
fsr-3370	150	11	a	a	DET
fsr-3370	150	12	comprehensive	comprehensive	ADJ
fsr-3370	150	13	evaluation	evaluation	NOUN
fsr-3370	150	14	of	of	ADP
fsr-3370	150	15	international	international	ADJ
fsr-3370	150	16	risk	risk	NOUN
fsr-3370	150	17	taking	take	VERB
fsr-3370	150	18	in	in	ADP
fsr-3370	150	19	their	their	PRON
fsr-3370	150	20	article	article	NOUN
fsr-3370	150	21	.	.	PUNCT
fsr-3370	151	1	rieger	rieger	PROPN
fsr-3370	151	2	et	et	PROPN
fsr-3370	151	3	al	al	PROPN
fsr-3370	151	4	.	.	PROPN
fsr-3370	151	5	documented	document	VERB
fsr-3370	151	6	the	the	DET
fsr-3370	151	7	risk	risk	NOUN
fsr-3370	151	8	preferences	preference	NOUN
fsr-3370	151	9	of	of	ADP
fsr-3370	151	10	individuals	individual	NOUN
fsr-3370	151	11	in	in	ADP
fsr-3370	151	12	53	53	NUM
fsr-3370	151	13	countries	country	NOUN
fsr-3370	151	14	.	.	PUNCT
fsr-3370	152	1	they	they	PRON
fsr-3370	152	2	reported	report	VERB
fsr-3370	152	3	that	that	SCONJ
fsr-3370	152	4	individuals	individual	NOUN
fsr-3370	152	5	across	across	ADP
fsr-3370	152	6	cultures	culture	NOUN
fsr-3370	152	7	are	be	AUX
fsr-3370	152	8	,	,	PUNCT
fsr-3370	152	9	on	on	ADP
fsr-3370	152	10	average	average	ADJ
fsr-3370	152	11	,	,	PUNCT
fsr-3370	152	12	risk	risk	NOUN
fsr-3370	152	13	averse	averse	ADJ
fsr-3370	152	14	regarding	regard	VERB
fsr-3370	152	15	gains	gain	NOUN
fsr-3370	152	16	and	and	CCONJ
fsr-3370	152	17	risk	risk	NOUN
fsr-3370	152	18	seeking	seek	VERB
fsr-3370	152	19	with	with	ADP
fsr-3370	152	20	losses	loss	NOUN
fsr-3370	152	21	.	.	PUNCT
fsr-3370	153	1	this	this	DET
fsr-3370	153	2	finding	finding	NOUN
fsr-3370	153	3	was	be	AUX
fsr-3370	153	4	in	in	ADP
fsr-3370	153	5	line	line	NOUN
fsr-3370	153	6	with	with	ADP
fsr-3370	153	7	the	the	DET
fsr-3370	153	8	propositions	proposition	NOUN
fsr-3370	153	9	found	find	VERB
fsr-3370	153	10	in	in	ADP
fsr-3370	153	11	prospect	prospect	NOUN
fsr-3370	153	12	theory	theory	NOUN
fsr-3370	153	13	(	(	PUNCT
fsr-3370	153	14	kahneman	kahneman	NOUN
fsr-3370	153	15	and	and	CCONJ
fsr-3370	153	16	tversky	tversky	ADJ
fsr-3370	153	17	,	,	PUNCT
fsr-3370	153	18	1979	1979	NUM
fsr-3370	153	19	)	)	PUNCT
fsr-3370	153	20	.	.	PUNCT
fsr-3370	154	1	rieger	rieger	PROPN
fsr-3370	154	2	et	et	PROPN
fsr-3370	154	3	al	al	PROPN
fsr-3370	154	4	.	.	PROPN
fsr-3370	154	5	also	also	ADV
fsr-3370	154	6	noted	note	VERB
fsr-3370	154	7	that	that	SCONJ
fsr-3370	154	8	risk	risk	NOUN
fsr-3370	154	9	preferences	preference	NOUN
fsr-3370	154	10	appear	appear	VERB
fsr-3370	154	11	to	to	PART
fsr-3370	154	12	be	be	AUX
fsr-3370	154	13	dependent	dependent	ADJ
fsr-3370	154	14	on	on	ADP
fsr-3370	154	15	economic	economic	ADJ
fsr-3370	154	16	conditions	condition	NOUN
fsr-3370	154	17	and	and	CCONJ
fsr-3370	154	18	cultural	cultural	ADJ
fsr-3370	154	19	factors	factor	NOUN
fsr-3370	154	20	.	.	PUNCT
fsr-3370	155	1	it	it	PRON
fsr-3370	155	2	was	be	AUX
fsr-3370	155	3	suggested	suggest	VERB
fsr-3370	155	4	that	that	SCONJ
fsr-3370	155	5	their	their	PRON
fsr-3370	155	6	results	result	NOUN
fsr-3370	155	7	may	may	AUX
fsr-3370	155	8	serve	serve	VERB
fsr-3370	155	9	“	"	PUNCT
fsr-3370	155	10	as	as	ADP
fsr-3370	155	11	an	an	DET
fsr-3370	155	12	interesting	interesting	ADJ
fsr-3370	155	13	starting	starting	NOUN
fsr-3370	155	14	point	point	NOUN
fsr-3370	155	15	for	for	ADP
fsr-3370	155	16	further	further	ADJ
fsr-3370	155	17	research	research	NOUN
fsr-3370	155	18	on	on	ADP
fsr-3370	155	19	cultural	cultural	ADJ
fsr-3370	155	20	differences	difference	NOUN
fsr-3370	155	21	in	in	ADP
fsr-3370	155	22	behavioral	behavioral	ADJ
fsr-3370	155	23	economics	economic	NOUN
fsr-3370	155	24	”	"	PUNCT
fsr-3370	155	25	(	(	PUNCT
fsr-3370	155	26	p.	p.	NOUN
fsr-3370	155	27	637	637	NUM
fsr-3370	155	28	)	)	PUNCT
fsr-3370	155	29	.	.	PUNCT
fsr-3370	156	1	two	two	NUM
fsr-3370	156	2	other	other	ADJ
fsr-3370	156	3	large	large	ADJ
fsr-3370	156	4	-	-	PUNCT
fsr-3370	156	5	scale	scale	NOUN
fsr-3370	156	6	international	international	ADJ
fsr-3370	156	7	assessments	assessment	NOUN
fsr-3370	156	8	of	of	ADP
fsr-3370	156	9	frt	frt	NOUN
fsr-3370	156	10	were	be	AUX
fsr-3370	156	11	conducted	conduct	VERB
fsr-3370	156	12	by	by	ADP
fsr-3370	156	13	statman	statman	NOUN
fsr-3370	156	14	(	(	PUNCT
fsr-3370	156	15	2008	2008	NUM
fsr-3370	156	16	)	)	PUNCT
fsr-3370	156	17	and	and	CCONJ
fsr-3370	156	18	vieider	vieider	NOUN
fsr-3370	156	19	,	,	PUNCT
fsr-3370	156	20	chmura	chmura	NOUN
fsr-3370	156	21	,	,	PUNCT
fsr-3370	156	22	and	and	CCONJ
fsr-3370	156	23	martinsson	martinsson	NOUN
fsr-3370	156	24	(	(	PUNCT
fsr-3370	156	25	2012	2012	NUM
fsr-3370	156	26	)	)	PUNCT
fsr-3370	156	27	.	.	PUNCT
fsr-3370	157	1	studying	study	VERB
fsr-3370	157	2	22	22	NUM
fsr-3370	157	3	and	and	CCONJ
fsr-3370	157	4	30	30	NUM
fsr-3370	157	5	countries	country	NOUN
fsr-3370	157	6	,	,	PUNCT
fsr-3370	157	7	respectively	respectively	ADV
fsr-3370	157	8	,	,	PUNCT
fsr-3370	157	9	the	the	DET
fsr-3370	157	10	findings	finding	NOUN
fsr-3370	157	11	from	from	ADP
fsr-3370	157	12	these	these	DET
fsr-3370	157	13	studies	study	NOUN
fsr-3370	157	14	showed	show	VERB
fsr-3370	157	15	that	that	SCONJ
fsr-3370	157	16	those	those	PRON
fsr-3370	157	17	from	from	ADP
fsr-3370	157	18	wealthy	wealthy	ADJ
fsr-3370	157	19	countries	country	NOUN
fsr-3370	157	20	tend	tend	VERB
fsr-3370	157	21	to	to	PART
fsr-3370	157	22	be	be	AUX
fsr-3370	157	23	more	more	ADJ
fsr-3370	157	24	risk	risk	NOUN
fsr-3370	157	25	averse	averse	ADJ
fsr-3370	157	26	in	in	ADP
fsr-3370	157	27	financial	financial	ADJ
fsr-3370	157	28	domains	domain	NOUN
fsr-3370	157	29	.	.	PUNCT
fsr-3370	158	1	statman	statman	PROPN
fsr-3370	158	2	explained	explain	VERB
fsr-3370	158	3	that	that	SCONJ
fsr-3370	158	4	,	,	PUNCT
fsr-3370	158	5	“	"	PUNCT
fsr-3370	158	6	people	people	NOUN
fsr-3370	158	7	in	in	ADP
fsr-3370	158	8	low	low	ADJ
fsr-3370	158	9	income	income	NOUN
fsr-3370	158	10	countries	country	NOUN
fsr-3370	158	11	have	have	VERB
fsr-3370	158	12	high	high	ADJ
fsr-3370	158	13	aspiration	aspiration	NOUN
fsr-3370	158	14	relative	relative	ADJ
fsr-3370	158	15	to	to	ADP
fsr-3370	158	16	their	their	PRON
fsr-3370	158	17	current	current	ADJ
fsr-3370	158	18	income	income	NOUN
fsr-3370	158	19	”	"	PUNCT
fsr-3370	158	20	and	and	CCONJ
fsr-3370	158	21	they	they	PRON
fsr-3370	158	22	“	"	PUNCT
fsr-3370	158	23	pay	pay	VERB
fsr-3370	158	24	with	with	ADP
fsr-3370	158	25	risk	risk	NOUN
fsr-3370	158	26	for	for	ADP
fsr-3370	158	27	a	a	DET
fsr-3370	158	28	chance	chance	NOUN
fsr-3370	158	29	to	to	PART
fsr-3370	158	30	move	move	VERB
fsr-3370	158	31	up	up	ADP
fsr-3370	158	32	in	in	ADP
fsr-3370	158	33	life	life	NOUN
fsr-3370	158	34	”	"	PUNCT
fsr-3370	158	35	(	(	PUNCT
fsr-3370	158	36	p.	p.	NOUN
fsr-3370	158	37	44	44	NUM
fsr-3370	158	38	)	)	PUNCT
fsr-3370	158	39	.	.	PUNCT
fsr-3370	159	1	the	the	DET
fsr-3370	159	2	findings	finding	NOUN
fsr-3370	159	3	of	of	ADP
fsr-3370	159	4	vieider	vieider	NOUN
fsr-3370	159	5	et	et	PROPN
fsr-3370	159	6	al	al	PROPN
fsr-3370	159	7	.	.	PROPN
fsr-3370	159	8	showed	show	VERB
fsr-3370	159	9	a	a	DET
fsr-3370	159	10	unique	unique	ADJ
fsr-3370	159	11	relationship	relationship	NOUN
fsr-3370	159	12	between	between	ADP
fsr-3370	159	13	international	international	ADJ
fsr-3370	159	14	socioeconomic	socioeconomic	ADJ
fsr-3370	159	15	variables	variable	NOUN
fsr-3370	159	16	and	and	CCONJ
fsr-3370	159	17	risk	risk	NOUN
fsr-3370	159	18	-	-	PUNCT
fsr-3370	159	19	seeking	seek	VERB
fsr-3370	159	20	behavior	behavior	NOUN
fsr-3370	159	21	.	.	PUNCT
fsr-3370	160	1	they	they	PRON
fsr-3370	160	2	reported	report	VERB
fsr-3370	160	3	a	a	DET
fsr-3370	160	4	strong	strong	ADJ
fsr-3370	160	5	negative	negative	ADJ
fsr-3370	160	6	correlation	correlation	NOUN
fsr-3370	160	7	between	between	ADP
fsr-3370	160	8	frt	frt	NOUN
fsr-3370	160	9	and	and	CCONJ
fsr-3370	160	10	personal	personal	ADJ
fsr-3370	160	11	income	income	NOUN
fsr-3370	160	12	.	.	PUNCT
fsr-3370	161	1	they	they	PRON
fsr-3370	161	2	explained	explain	VERB
fsr-3370	161	3	the	the	DET
fsr-3370	161	4	321s	321s	PROPN
fsr-3370	161	5	.	.	PUNCT
fsr-3370	162	1	kuzniak	kuzniak	PROPN
fsr-3370	162	2	,	,	PUNCT
fsr-3370	162	3	j.e	j.e	PROPN
fsr-3370	162	4	.	.	PROPN
fsr-3370	162	5	grable	grable	PROPN
fsr-3370	162	6	/	/	SYM
fsr-3370	162	7	financial	financial	ADJ
fsr-3370	162	8	services	service	NOUN
fsr-3370	162	9	review	review	VERB
fsr-3370	162	10	26	26	NUM
fsr-3370	162	11	(	(	PUNCT
fsr-3370	162	12	2017	2017	NUM
fsr-3370	162	13	)	)	PUNCT
fsr-3370	162	14	315–338	315–338	NUM
fsr-3370	162	15	phenomenon	phenomenon	NOUN
fsr-3370	162	16	by	by	ADP
fsr-3370	162	17	suggesting	suggest	VERB
fsr-3370	162	18	that	that	SCONJ
fsr-3370	162	19	risk	risk	NOUN
fsr-3370	162	20	attitudes	attitude	NOUN
fsr-3370	162	21	act	act	VERB
fsr-3370	162	22	as	as	ADP
fsr-3370	162	23	a	a	DET
fsr-3370	162	24	transmission	transmission	NOUN
fsr-3370	162	25	mechanism	mechanism	NOUN
fsr-3370	162	26	for	for	ADP
fsr-3370	162	27	growth	growth	NOUN
fsr-3370	162	28	by	by	ADP
fsr-3370	162	29	encouraging	encourage	VERB
fsr-3370	162	30	entrepreneurial	entrepreneurial	ADJ
fsr-3370	162	31	activities	activity	NOUN
fsr-3370	162	32	throughout	throughout	ADP
fsr-3370	162	33	the	the	DET
fsr-3370	162	34	world	world	NOUN
fsr-3370	162	35	.	.	PUNCT
fsr-3370	163	1	when	when	SCONJ
fsr-3370	163	2	viewed	view	VERB
fsr-3370	163	3	from	from	ADP
fsr-3370	163	4	the	the	DET
fsr-3370	163	5	perspective	perspective	NOUN
fsr-3370	163	6	of	of	ADP
fsr-3370	163	7	the	the	DET
fsr-3370	163	8	cushion	cushion	NOUN
fsr-3370	163	9	hypothesis	hypothesis	NOUN
fsr-3370	163	10	,	,	PUNCT
fsr-3370	163	11	country	country	NOUN
fsr-3370	163	12	of	of	ADP
fsr-3370	163	13	origin	origin	NOUN
fsr-3370	163	14	variables	variable	NOUN
fsr-3370	163	15	become	become	VERB
fsr-3370	163	16	important	important	ADJ
fsr-3370	163	17	because	because	SCONJ
fsr-3370	163	18	each	each	DET
fsr-3370	163	19	country	country	NOUN
fsr-3370	163	20	has	have	VERB
fsr-3370	163	21	a	a	DET
fsr-3370	163	22	unique	unique	ADJ
fsr-3370	163	23	social	social	ADJ
fsr-3370	163	24	support	support	NOUN
fsr-3370	163	25	policy	policy	NOUN
fsr-3370	163	26	.	.	PUNCT
fsr-3370	164	1	it	it	PRON
fsr-3370	164	2	is	be	AUX
fsr-3370	164	3	possible	possible	ADJ
fsr-3370	164	4	that	that	SCONJ
fsr-3370	164	5	countries	country	NOUN
fsr-3370	164	6	with	with	ADP
fsr-3370	164	7	generous	generous	ADJ
fsr-3370	164	8	social	social	ADJ
fsr-3370	164	9	support	support	NOUN
fsr-3370	164	10	systems	system	NOUN
fsr-3370	164	11	create	create	VERB
fsr-3370	164	12	a	a	DET
fsr-3370	164	13	‘	'	PUNCT
fsr-3370	164	14	cushion	cushion	NOUN
fsr-3370	164	15	’	'	PUNCT
fsr-3370	164	16	for	for	ADP
fsr-3370	164	17	risk	risk	NOUN
fsr-3370	164	18	takers	taker	NOUN
fsr-3370	164	19	who	who	PRON
fsr-3370	164	20	fail	fail	VERB
fsr-3370	164	21	in	in	ADP
fsr-3370	164	22	the	the	DET
fsr-3370	164	23	markets	market	NOUN
fsr-3370	164	24	.	.	PUNCT
fsr-3370	165	1	if	if	SCONJ
fsr-3370	165	2	true	true	ADJ
fsr-3370	165	3	,	,	PUNCT
fsr-3370	165	4	this	this	PRON
fsr-3370	165	5	ought	ought	AUX
fsr-3370	165	6	to	to	PART
fsr-3370	165	7	increase	increase	VERB
fsr-3370	165	8	the	the	DET
fsr-3370	165	9	willingness	willingness	NOUN
fsr-3370	165	10	of	of	ADP
fsr-3370	165	11	those	those	PRON
fsr-3370	165	12	in	in	ADP
fsr-3370	165	13	these	these	DET
fsr-3370	165	14	countries	country	NOUN
fsr-3370	165	15	to	to	PART
fsr-3370	165	16	take	take	VERB
fsr-3370	165	17	risk	risk	NOUN
fsr-3370	165	18	.	.	PUNCT
fsr-3370	166	1	on	on	ADP
fsr-3370	166	2	the	the	DET
fsr-3370	166	3	other	other	ADJ
fsr-3370	166	4	hand	hand	NOUN
fsr-3370	166	5	,	,	PUNCT
fsr-3370	166	6	a	a	DET
fsr-3370	166	7	robust	robust	ADJ
fsr-3370	166	8	social	social	ADJ
fsr-3370	166	9	support	support	NOUN
fsr-3370	166	10	system	system	NOUN
fsr-3370	166	11	may	may	AUX
fsr-3370	166	12	dampen	dampen	VERB
fsr-3370	166	13	frt	frt	NOUN
fsr-3370	166	14	based	base	VERB
fsr-3370	166	15	on	on	ADP
fsr-3370	166	16	signals	signal	NOUN
fsr-3370	166	17	that	that	SCONJ
fsr-3370	166	18	country	country	NOUN
fsr-3370	166	19	residents	resident	NOUN
fsr-3370	166	20	need	need	AUX
fsr-3370	166	21	not	not	PART
fsr-3370	166	22	take	take	VERB
fsr-3370	166	23	risk	risk	NOUN
fsr-3370	166	24	to	to	PART
fsr-3370	166	25	gain	gain	VERB
fsr-3370	166	26	financial	financial	ADJ
fsr-3370	166	27	stability	stability	NOUN
fsr-3370	166	28	.	.	PUNCT
fsr-3370	167	1	at	at	ADP
fsr-3370	167	2	this	this	DET
fsr-3370	167	3	point	point	NOUN
fsr-3370	167	4	,	,	PUNCT
fsr-3370	167	5	neither	neither	DET
fsr-3370	167	6	hypothesis	hypothesis	NOUN
fsr-3370	167	7	has	have	AUX
fsr-3370	167	8	been	be	AUX
fsr-3370	167	9	fully	fully	ADV
fsr-3370	167	10	explored	explore	VERB
fsr-3370	167	11	in	in	ADP
fsr-3370	167	12	the	the	DET
fsr-3370	167	13	literature	literature	NOUN
fsr-3370	167	14	.	.	PUNCT
fsr-3370	168	1	3.4	3.4	NUM
fsr-3370	168	2	.	.	PUNCT
fsr-3370	168	3	stability	stability	NOUN
fsr-3370	168	4	of	of	ADP
fsr-3370	168	5	frt	frt	PROPN
fsr-3370	168	6	one	one	NUM
fsr-3370	168	7	of	of	ADP
fsr-3370	168	8	the	the	DET
fsr-3370	168	9	least	least	ADJ
fsr-3370	168	10	discussed	discuss	VERB
fsr-3370	168	11	notions	notion	NOUN
fsr-3370	168	12	within	within	ADP
fsr-3370	168	13	the	the	DET
fsr-3370	168	14	frt	frt	NOUN
fsr-3370	168	15	literature	literature	NOUN
fsr-3370	168	16	is	be	AUX
fsr-3370	168	17	the	the	DET
fsr-3370	168	18	likeliness	likeliness	NOUN
fsr-3370	168	19	and	and	CCONJ
fsr-3370	168	20	degree	degree	NOUN
fsr-3370	168	21	to	to	PART
fsr-3370	168	22	which	which	DET
fsr-3370	168	23	risk	risk	NOUN
fsr-3370	168	24	attitudes	attitude	NOUN
fsr-3370	168	25	change	change	VERB
fsr-3370	168	26	over	over	ADP
fsr-3370	168	27	time	time	NOUN
fsr-3370	168	28	(	(	PUNCT
fsr-3370	168	29	zeisberger	zeisberger	NOUN
fsr-3370	168	30	et	et	PROPN
fsr-3370	168	31	al	al	PROPN
fsr-3370	168	32	.	.	PROPN
fsr-3370	168	33	,	,	PUNCT
fsr-3370	168	34	2010	2010	NUM
fsr-3370	168	35	)	)	PUNCT
fsr-3370	168	36	.	.	PUNCT
fsr-3370	169	1	in	in	ADP
fsr-3370	169	2	this	this	DET
fsr-3370	169	3	regard	regard	NOUN
fsr-3370	169	4	,	,	PUNCT
fsr-3370	169	5	roszkowski	roszkowski	NOUN
fsr-3370	169	6	and	and	CCONJ
fsr-3370	169	7	his	his	PRON
fsr-3370	169	8	associates	associate	NOUN
fsr-3370	169	9	(	(	PUNCT
fsr-3370	169	10	roszkowski	roszkowski	PROPN
fsr-3370	169	11	et	et	PROPN
fsr-3370	169	12	al	al	PROPN
fsr-3370	169	13	.	.	PROPN
fsr-3370	169	14	,	,	PUNCT
fsr-3370	169	15	2009	2009	NUM
fsr-3370	169	16	)	)	PUNCT
fsr-3370	169	17	concluded	conclude	VERB
fsr-3370	169	18	that	that	SCONJ
fsr-3370	169	19	intrapersonal	intrapersonal	ADJ
fsr-3370	169	20	consistency	consistency	NOUN
fsr-3370	169	21	was	be	AUX
fsr-3370	169	22	stable	stable	ADJ
fsr-3370	169	23	over	over	ADP
fsr-3370	169	24	time	time	NOUN
fsr-3370	169	25	but	but	CCONJ
fsr-3370	169	26	greater	great	ADJ
fsr-3370	169	27	variability	variability	NOUN
fsr-3370	169	28	was	be	AUX
fsr-3370	169	29	associated	associate	VERB
fsr-3370	169	30	with	with	ADP
fsr-3370	169	31	higher	high	ADJ
fsr-3370	169	32	risk	risk	NOUN
fsr-3370	169	33	-	-	PUNCT
fsr-3370	169	34	tolerance	tolerance	NOUN
fsr-3370	169	35	scores	score	NOUN
fsr-3370	169	36	.	.	PUNCT
fsr-3370	170	1	what	what	PRON
fsr-3370	170	2	remains	remain	VERB
fsr-3370	170	3	to	to	PART
fsr-3370	170	4	be	be	AUX
fsr-3370	170	5	discovered	discover	VERB
fsr-3370	170	6	are	be	AUX
fsr-3370	170	7	the	the	DET
fsr-3370	170	8	unique	unique	ADJ
fsr-3370	170	9	characteristics	characteristic	NOUN
fsr-3370	170	10	of	of	ADP
fsr-3370	170	11	individuals	individual	NOUN
fsr-3370	170	12	who	who	PRON
fsr-3370	170	13	show	show	VERB
fsr-3370	170	14	inconsistency	inconsistency	NOUN
fsr-3370	170	15	in	in	ADP
fsr-3370	170	16	their	their	PRON
fsr-3370	170	17	frt	frt	NOUN
fsr-3370	170	18	scores	score	NOUN
fsr-3370	170	19	across	across	ADP
fsr-3370	170	20	multiple	multiple	ADJ
fsr-3370	170	21	assessments	assessment	NOUN
fsr-3370	170	22	.	.	PUNCT
fsr-3370	171	1	the	the	DET
fsr-3370	171	2	consistency	consistency	NOUN
fsr-3370	171	3	of	of	ADP
fsr-3370	171	4	individual	individual	ADJ
fsr-3370	171	5	frt	frt	NOUN
fsr-3370	171	6	over	over	ADP
fsr-3370	171	7	time	time	NOUN
fsr-3370	171	8	can	can	AUX
fsr-3370	171	9	be	be	AUX
fsr-3370	171	10	assessed	assess	VERB
fsr-3370	171	11	and	and	CCONJ
fsr-3370	171	12	split	split	VERB
fsr-3370	171	13	into	into	ADP
fsr-3370	171	14	four	four	NUM
fsr-3370	171	15	distinct	distinct	ADJ
fsr-3370	171	16	categories	category	NOUN
fsr-3370	171	17	:	:	PUNCT
fsr-3370	171	18	(	(	PUNCT
fsr-3370	171	19	1	1	X
fsr-3370	171	20	)	)	PUNCT
fsr-3370	171	21	stability	stability	NOUN
fsr-3370	171	22	over	over	ADP
fsr-3370	171	23	time	time	NOUN
fsr-3370	171	24	,	,	PUNCT
fsr-3370	171	25	(	(	PUNCT
fsr-3370	171	26	2	2	X
fsr-3370	171	27	)	)	PUNCT
fsr-3370	171	28	reactions	reaction	NOUN
fsr-3370	171	29	to	to	ADP
fsr-3370	171	30	market	market	NOUN
fsr-3370	171	31	conditions	condition	NOUN
fsr-3370	171	32	,	,	PUNCT
fsr-3370	171	33	(	(	PUNCT
fsr-3370	171	34	3	3	X
fsr-3370	171	35	)	)	PUNCT
fsr-3370	171	36	consistency	consistency	NOUN
fsr-3370	171	37	across	across	ADP
fsr-3370	171	38	different	different	ADJ
fsr-3370	171	39	dimensions	dimension	NOUN
fsr-3370	171	40	of	of	ADP
fsr-3370	171	41	frt	frt	NOUN
fsr-3370	171	42	,	,	PUNCT
fsr-3370	171	43	and	and	CCONJ
fsr-3370	171	44	(	(	PUNCT
fsr-3370	171	45	4	4	X
fsr-3370	171	46	)	)	PUNCT
fsr-3370	171	47	consistency	consistency	NOUN
fsr-3370	171	48	across	across	ADP
fsr-3370	171	49	different	different	ADJ
fsr-3370	171	50	types	type	NOUN
fsr-3370	171	51	of	of	ADP
fsr-3370	171	52	questionnaires	questionnaire	NOUN
fsr-3370	171	53	(	(	PUNCT
fsr-3370	171	54	roszkowski	roszkowski	PROPN
fsr-3370	171	55	et	et	PROPN
fsr-3370	171	56	al	al	PROPN
fsr-3370	171	57	.	.	PROPN
fsr-3370	171	58	,	,	PUNCT
fsr-3370	171	59	2009	2009	NUM
fsr-3370	171	60	)	)	PUNCT
fsr-3370	171	61	.	.	PUNCT
fsr-3370	172	1	when	when	SCONJ
fsr-3370	172	2	looking	look	VERB
fsr-3370	172	3	at	at	ADP
fsr-3370	172	4	frt	frt	NOUN
fsr-3370	172	5	change	change	NOUN
fsr-3370	172	6	over	over	ADP
fsr-3370	172	7	time	time	NOUN
fsr-3370	172	8	,	,	PUNCT
fsr-3370	172	9	yao	yao	PROPN
fsr-3370	172	10	et	et	PROPN
fsr-3370	172	11	al	al	PROPN
fsr-3370	172	12	.	.	PROPN
fsr-3370	173	1	(	(	PUNCT
fsr-3370	173	2	2004	2004	NUM
fsr-3370	173	3	)	)	PUNCT
fsr-3370	173	4	surmised	surmise	VERB
fsr-3370	173	5	that	that	SCONJ
fsr-3370	173	6	if	if	SCONJ
fsr-3370	173	7	significant	significant	ADJ
fsr-3370	173	8	time	time	NOUN
fsr-3370	173	9	trends	trend	NOUN
fsr-3370	173	10	are	be	AUX
fsr-3370	173	11	evident	evident	ADJ
fsr-3370	173	12	after	after	ADP
fsr-3370	173	13	controlling	control	VERB
fsr-3370	173	14	for	for	ADP
fsr-3370	173	15	biopsychosocial	biopsychosocial	ADJ
fsr-3370	173	16	and	and	CCONJ
fsr-3370	173	17	environmental	environmental	ADJ
fsr-3370	173	18	factors	factor	NOUN
fsr-3370	173	19	,	,	PUNCT
fsr-3370	173	20	the	the	DET
fsr-3370	173	21	changes	change	NOUN
fsr-3370	173	22	over	over	ADP
fsr-3370	173	23	time	time	NOUN
fsr-3370	173	24	can	can	AUX
fsr-3370	173	25	be	be	AUX
fsr-3370	173	26	interpreted	interpret	VERB
fsr-3370	173	27	to	to	PART
fsr-3370	173	28	be	be	AUX
fsr-3370	173	29	related	relate	VERB
fsr-3370	173	30	to	to	ADP
fsr-3370	173	31	changes	change	NOUN
fsr-3370	173	32	in	in	ADP
fsr-3370	173	33	attitudes	attitude	NOUN
fsr-3370	173	34	toward	toward	ADP
fsr-3370	173	35	risk	risk	NOUN
fsr-3370	173	36	,	,	PUNCT
fsr-3370	173	37	not	not	PART
fsr-3370	173	38	changes	change	NOUN
fsr-3370	173	39	because	because	SCONJ
fsr-3370	173	40	of	of	ADP
fsr-3370	173	41	other	other	ADJ
fsr-3370	173	42	factors	factor	NOUN
fsr-3370	173	43	.	.	PUNCT
fsr-3370	174	1	yook	yook	NOUN
fsr-3370	174	2	and	and	CCONJ
fsr-3370	174	3	everett	everett	PROPN
fsr-3370	174	4	(	(	PUNCT
fsr-3370	174	5	2003	2003	NUM
fsr-3370	174	6	)	)	PUNCT
fsr-3370	174	7	,	,	PUNCT
fsr-3370	174	8	grable	grable	NOUN
fsr-3370	174	9	and	and	CCONJ
fsr-3370	174	10	lytton	lytton	PROPN
fsr-3370	174	11	(	(	PUNCT
fsr-3370	174	12	2001	2001	NUM
fsr-3370	174	13	)	)	PUNCT
fsr-3370	174	14	,	,	PUNCT
fsr-3370	174	15	and	and	CCONJ
fsr-3370	174	16	yang	yang	PROPN
fsr-3370	174	17	(	(	PUNCT
fsr-3370	174	18	2004	2004	NUM
fsr-3370	174	19	)	)	PUNCT
fsr-3370	174	20	each	each	PRON
fsr-3370	174	21	looked	look	VERB
fsr-3370	174	22	at	at	ADP
fsr-3370	174	23	the	the	DET
fsr-3370	174	24	consistency	consistency	NOUN
fsr-3370	174	25	of	of	ADP
fsr-3370	174	26	different	different	ADJ
fsr-3370	174	27	risk	risk	NOUN
fsr-3370	174	28	questionnaires	questionnaire	NOUN
fsr-3370	174	29	across	across	ADP
fsr-3370	174	30	time	time	NOUN
fsr-3370	174	31	.	.	PUNCT
fsr-3370	175	1	in	in	ADP
fsr-3370	175	2	generally	generally	ADV
fsr-3370	175	3	,	,	PUNCT
fsr-3370	175	4	they	they	PRON
fsr-3370	175	5	found	find	VERB
fsr-3370	175	6	that	that	SCONJ
fsr-3370	175	7	psychometrically	psychometrically	ADV
fsr-3370	175	8	valid	valid	ADJ
fsr-3370	175	9	assessment	assessment	NOUN
fsr-3370	175	10	tools	tool	NOUN
fsr-3370	175	11	with	with	ADP
fsr-3370	175	12	published	publish	VERB
fsr-3370	175	13	reliability	reliability	NOUN
fsr-3370	175	14	estimates	estimate	NOUN
fsr-3370	175	15	tend	tend	VERB
fsr-3370	175	16	to	to	PART
fsr-3370	175	17	,	,	PUNCT
fsr-3370	175	18	on	on	ADP
fsr-3370	175	19	average	average	ADJ
fsr-3370	175	20	,	,	PUNCT
fsr-3370	175	21	generate	generate	VERB
fsr-3370	175	22	repeatable	repeatable	ADJ
fsr-3370	175	23	scores	score	NOUN
fsr-3370	175	24	,	,	PUNCT
fsr-3370	175	25	but	but	CCONJ
fsr-3370	175	26	that	that	SCONJ
fsr-3370	175	27	even	even	ADV
fsr-3370	175	28	with	with	ADP
fsr-3370	175	29	the	the	DET
fsr-3370	175	30	most	most	ADV
fsr-3370	175	31	reliable	reliable	ADJ
fsr-3370	175	32	instrument	instrument	NOUN
fsr-3370	175	33	,	,	PUNCT
fsr-3370	175	34	changes	change	NOUN
fsr-3370	175	35	in	in	ADP
fsr-3370	175	36	frt	frt	NOUN
fsr-3370	175	37	scores	score	NOUN
fsr-3370	175	38	do	do	AUX
fsr-3370	175	39	occur	occur	VERB
fsr-3370	175	40	among	among	ADP
fsr-3370	175	41	some	some	DET
fsr-3370	175	42	test	test	NOUN
fsr-3370	175	43	takers	taker	NOUN
fsr-3370	175	44	.	.	PUNCT
fsr-3370	176	1	the	the	DET
fsr-3370	176	2	general	general	ADJ
fsr-3370	176	3	theme	theme	NOUN
fsr-3370	176	4	of	of	ADP
fsr-3370	176	5	research	research	NOUN
fsr-3370	176	6	regarding	regard	VERB
fsr-3370	176	7	the	the	DET
fsr-3370	176	8	intrapersonal	intrapersonal	ADJ
fsr-3370	176	9	consistency	consistency	NOUN
fsr-3370	176	10	of	of	ADP
fsr-3370	176	11	frt	frt	NOUN
fsr-3370	176	12	across	across	ADP
fsr-3370	176	13	time	time	NOUN
fsr-3370	176	14	is	be	AUX
fsr-3370	176	15	that	that	SCONJ
fsr-3370	176	16	the	the	DET
fsr-3370	176	17	construct	construct	NOUN
fsr-3370	176	18	of	of	ADP
fsr-3370	176	19	frt	frt	NOUN
fsr-3370	176	20	is	be	AUX
fsr-3370	176	21	relatively	relatively	ADV
fsr-3370	176	22	stable	stable	ADJ
fsr-3370	176	23	but	but	CCONJ
fsr-3370	176	24	does	do	AUX
fsr-3370	176	25	show	show	VERB
fsr-3370	176	26	some	some	DET
fsr-3370	176	27	fluctuation	fluctuation	NOUN
fsr-3370	176	28	based	base	VERB
fsr-3370	176	29	on	on	ADP
fsr-3370	176	30	environmental	environmental	ADJ
fsr-3370	176	31	factors	factor	NOUN
fsr-3370	176	32	.	.	PUNCT
fsr-3370	177	1	for	for	ADP
fsr-3370	177	2	example	example	NOUN
fsr-3370	177	3	,	,	PUNCT
fsr-3370	177	4	zeisberger	zeisberger	NOUN
fsr-3370	177	5	et	et	PROPN
fsr-3370	177	6	al	al	PROPN
fsr-3370	177	7	.	.	PROPN
fsr-3370	177	8	(	(	PUNCT
fsr-3370	177	9	2010	2010	NUM
fsr-3370	177	10	)	)	PUNCT
fsr-3370	177	11	noted	note	VERB
fsr-3370	177	12	that	that	SCONJ
fsr-3370	177	13	risk	risk	NOUN
fsr-3370	177	14	parameters	parameter	NOUN
fsr-3370	177	15	appear	appear	VERB
fsr-3370	177	16	quite	quite	ADV
fsr-3370	177	17	stable	stable	ADJ
fsr-3370	177	18	for	for	ADP
fsr-3370	177	19	the	the	DET
fsr-3370	177	20	majority	majority	NOUN
fsr-3370	177	21	of	of	ADP
fsr-3370	177	22	investors	investor	NOUN
fsr-3370	177	23	,	,	PUNCT
fsr-3370	177	24	but	but	CCONJ
fsr-3370	177	25	that	that	SCONJ
fsr-3370	177	26	it	it	PRON
fsr-3370	177	27	is	be	AUX
fsr-3370	177	28	possible	possible	ADJ
fsr-3370	177	29	for	for	SCONJ
fsr-3370	177	30	one	one	NUM
fsr-3370	177	31	-	-	PUNCT
fsr-3370	177	32	third	third	NOUN
fsr-3370	177	33	of	of	ADP
fsr-3370	177	34	investors	investor	NOUN
fsr-3370	177	35	to	to	PART
fsr-3370	177	36	exhibit	exhibit	VERB
fsr-3370	177	37	significant	significant	ADJ
fsr-3370	177	38	instability	instability	NOUN
fsr-3370	177	39	over	over	ADP
fsr-3370	177	40	time	time	NOUN
fsr-3370	177	41	.	.	PUNCT
fsr-3370	178	1	4	4	X
fsr-3370	178	2	.	.	X
fsr-3370	178	3	methodology	methodology	NOUN
fsr-3370	178	4	in	in	ADP
fsr-3370	178	5	an	an	DET
fsr-3370	178	6	attempt	attempt	NOUN
fsr-3370	178	7	to	to	PART
fsr-3370	178	8	test	test	VERB
fsr-3370	178	9	the	the	DET
fsr-3370	178	10	frt	frt	NOUN
fsr-3370	178	11	model	model	NOUN
fsr-3370	178	12	(	(	PUNCT
fsr-3370	178	13	fig	fig	NOUN
fsr-3370	178	14	.	.	PUNCT
fsr-3370	179	1	1	1	NUM
fsr-3370	179	2	)	)	PUNCT
fsr-3370	179	3	,	,	PUNCT
fsr-3370	179	4	this	this	DET
fsr-3370	179	5	study	study	NOUN
fsr-3370	179	6	used	use	VERB
fsr-3370	179	7	a	a	DET
fsr-3370	179	8	secondary	secondary	ADJ
fsr-3370	179	9	dataset	dataset	NOUN
fsr-3370	179	10	made	make	VERB
fsr-3370	179	11	available	available	ADJ
fsr-3370	179	12	by	by	ADP
fsr-3370	179	13	finametrica	finametrica	PROPN
fsr-3370	179	14	pty	pty	PROPN
fsr-3370	179	15	ltd	ltd	PROPN
fsr-3370	179	16	.	.	PUNCT
fsr-3370	180	1	the	the	DET
fsr-3370	180	2	risk	risk	NOUN
fsr-3370	180	3	profiling	profiling	NOUN
fsr-3370	180	4	database	database	NOUN
fsr-3370	180	5	included	include	VERB
fsr-3370	180	6	information	information	NOUN
fsr-3370	180	7	collected	collect	VERB
fsr-3370	180	8	in	in	ADP
fsr-3370	180	9	the	the	DET
fsr-3370	180	10	united	united	PROPN
fsr-3370	180	11	states	states	PROPN
fsr-3370	180	12	(	(	PUNCT
fsr-3370	180	13	us	us	PROPN
fsr-3370	180	14	)	)	PUNCT
fsr-3370	180	15	,	,	PUNCT
fsr-3370	180	16	united	united	ADJ
fsr-3370	180	17	kingdom	kingdom	PROPN
fsr-3370	180	18	(	(	PUNCT
fsr-3370	180	19	uk	uk	PROPN
fsr-3370	180	20	)	)	PUNCT
fsr-3370	180	21	,	,	PUNCT
fsr-3370	180	22	and	and	CCONJ
fsr-3370	180	23	australia	australia	PROPN
fsr-3370	180	24	(	(	PUNCT
fsr-3370	180	25	aus	aus	PROPN
fsr-3370	180	26	)	)	PUNCT
fsr-3370	180	27	.	.	PUNCT
fsr-3370	181	1	the	the	DET
fsr-3370	181	2	choice	choice	NOUN
fsr-3370	181	3	to	to	PART
fsr-3370	181	4	retain	retain	VERB
fsr-3370	181	5	data	datum	NOUN
fsr-3370	181	6	from	from	ADP
fsr-3370	181	7	each	each	DET
fsr-3370	181	8	country	country	NOUN
fsr-3370	181	9	was	be	AUX
fsr-3370	181	10	based	base	VERB
fsr-3370	181	11	on	on	ADP
fsr-3370	181	12	two	two	NUM
fsr-3370	181	13	factors	factor	NOUN
fsr-3370	181	14	.	.	PUNCT
fsr-3370	182	1	first	first	ADV
fsr-3370	182	2	,	,	PUNCT
fsr-3370	182	3	it	it	PRON
fsr-3370	182	4	was	be	AUX
fsr-3370	182	5	thought	think	VERB
fsr-3370	182	6	that	that	SCONJ
fsr-3370	182	7	the	the	DET
fsr-3370	182	8	risk	risk	NOUN
fsr-3370	182	9	tolerance	tolerance	NOUN
fsr-3370	182	10	exhibited	exhibit	VERB
fsr-3370	182	11	by	by	ADP
fsr-3370	182	12	citizens	citizen	NOUN
fsr-3370	182	13	of	of	ADP
fsr-3370	182	14	each	each	DET
fsr-3370	182	15	country	country	NOUN
fsr-3370	182	16	might	might	AUX
fsr-3370	182	17	differ	differ	VERB
fsr-3370	182	18	based	base	VERB
fsr-3370	182	19	on	on	ADP
fsr-3370	182	20	the	the	DET
fsr-3370	182	21	macroeconomic	macroeconomic	ADJ
fsr-3370	182	22	conditions	condition	NOUN
fsr-3370	182	23	present	present	ADJ
fsr-3370	182	24	in	in	ADP
fsr-3370	182	25	each	each	DET
fsr-3370	182	26	locale	locale	NOUN
fsr-3370	182	27	.	.	PUNCT
fsr-3370	183	1	second	second	ADJ
fsr-3370	183	2	,	,	PUNCT
fsr-3370	183	3	the	the	DET
fsr-3370	183	4	use	use	NOUN
fsr-3370	183	5	of	of	ADP
fsr-3370	183	6	multicountry	multicountry	NOUN
fsr-3370	183	7	data	datum	NOUN
fsr-3370	183	8	allowed	allow	VERB
fsr-3370	183	9	for	for	ADP
fsr-3370	183	10	a	a	DET
fsr-3370	183	11	test	test	NOUN
fsr-3370	183	12	of	of	ADP
fsr-3370	183	13	the	the	DET
fsr-3370	183	14	cushion	cushion	NOUN
fsr-3370	183	15	322	322	NUM
fsr-3370	183	16	s.	s.	PROPN
fsr-3370	183	17	kuzniak	kuzniak	PROPN
fsr-3370	183	18	,	,	PUNCT
fsr-3370	183	19	j.e	j.e	PROPN
fsr-3370	183	20	.	.	PROPN
fsr-3370	183	21	grable	grable	PROPN
fsr-3370	183	22	/	/	SYM
fsr-3370	183	23	financial	financial	ADJ
fsr-3370	183	24	services	service	NOUN
fsr-3370	183	25	review	review	VERB
fsr-3370	183	26	26	26	NUM
fsr-3370	183	27	(	(	PUNCT
fsr-3370	183	28	2017	2017	NUM
fsr-3370	183	29	)	)	PUNCT
fsr-3370	183	30	315–338	315–338	NUM
fsr-3370	183	31	hypothesis	hypothesis	NOUN
fsr-3370	183	32	.	.	PUNCT
fsr-3370	184	1	the	the	DET
fsr-3370	184	2	data	datum	NOUN
fsr-3370	184	3	contained	contain	VERB
fsr-3370	184	4	biopsychosocial	biopsychosocial	ADJ
fsr-3370	184	5	and	and	CCONJ
fsr-3370	184	6	environmental	environmental	ADJ
fsr-3370	184	7	information	information	NOUN
fsr-3370	184	8	,	,	PUNCT
fsr-3370	184	9	as	as	ADV
fsr-3370	184	10	well	well	ADV
fsr-3370	184	11	as	as	ADP
fsr-3370	184	12	composite	composite	ADJ
fsr-3370	184	13	frt	frt	NOUN
fsr-3370	184	14	scores	score	NOUN
fsr-3370	184	15	for	for	ADP
fsr-3370	184	16	individuals	individual	NOUN
fsr-3370	184	17	who	who	PRON
fsr-3370	184	18	completed	complete	VERB
fsr-3370	184	19	multiple	multiple	ADJ
fsr-3370	184	20	risk	risk	NOUN
fsr-3370	184	21	assessments	assessment	NOUN
fsr-3370	184	22	.	.	PUNCT
fsr-3370	185	1	data	datum	NOUN
fsr-3370	185	2	collection	collection	NOUN
fsr-3370	185	3	began	begin	VERB
fsr-3370	185	4	in	in	ADP
fsr-3370	185	5	january	january	PROPN
fsr-3370	185	6	of	of	ADP
fsr-3370	185	7	2010	2010	NUM
fsr-3370	185	8	and	and	CCONJ
fsr-3370	185	9	ended	end	VERB
fsr-3370	185	10	in	in	ADP
fsr-3370	185	11	december	december	PROPN
fsr-3370	185	12	of	of	ADP
fsr-3370	185	13	2014	2014	NUM
fsr-3370	185	14	.	.	PUNCT
fsr-3370	186	1	the	the	DET
fsr-3370	186	2	mean	mean	ADJ
fsr-3370	186	3	and	and	CCONJ
fsr-3370	186	4	median	median	ADJ
fsr-3370	186	5	time	time	NOUN
fsr-3370	186	6	period	period	NOUN
fsr-3370	186	7	between	between	ADP
fsr-3370	186	8	tests	test	NOUN
fsr-3370	186	9	was	be	AUX
fsr-3370	186	10	805	805	NUM
fsr-3370	186	11	and	and	CCONJ
fsr-3370	186	12	763	763	NUM
fsr-3370	186	13	days	day	NOUN
fsr-3370	186	14	,	,	PUNCT
fsr-3370	186	15	respectively	respectively	ADV
fsr-3370	186	16	(	(	PUNCT
fsr-3370	186	17	sd	sd	ADP
fsr-3370	186	18	�	�	PROPN
fsr-3370	186	19	388.74	388.74	NUM
fsr-3370	186	20	)	)	PUNCT
fsr-3370	186	21	or	or	CCONJ
fsr-3370	186	22	slightly	slightly	ADV
fsr-3370	186	23	more	more	ADJ
fsr-3370	186	24	than	than	ADP
fsr-3370	186	25	two	two	NUM
fsr-3370	186	26	years	year	NOUN
fsr-3370	186	27	.	.	PUNCT
fsr-3370	187	1	the	the	DET
fsr-3370	187	2	time	time	NOUN
fsr-3370	187	3	span	span	NOUN
fsr-3370	187	4	provided	provide	VERB
fsr-3370	187	5	a	a	DET
fsr-3370	187	6	unique	unique	ADJ
fsr-3370	187	7	perspective	perspective	NOUN
fsr-3370	187	8	on	on	ADP
fsr-3370	187	9	the	the	DET
fsr-3370	187	10	global	global	ADJ
fsr-3370	187	11	trends	trend	NOUN
fsr-3370	187	12	and	and	CCONJ
fsr-3370	187	13	distinctive	distinctive	ADJ
fsr-3370	187	14	macroeconomic	macroeconomic	ADJ
fsr-3370	187	15	environments	environment	NOUN
fsr-3370	187	16	that	that	PRON
fsr-3370	187	17	existed	exist	VERB
fsr-3370	187	18	in	in	ADP
fsr-3370	187	19	the	the	DET
fsr-3370	187	20	post	post	ADJ
fsr-3370	187	21	global	global	ADJ
fsr-3370	187	22	financial	financial	ADJ
fsr-3370	187	23	crisis	crisis	NOUN
fsr-3370	187	24	period	period	NOUN
fsr-3370	187	25	.	.	PUNCT
fsr-3370	188	1	table	table	NOUN
fsr-3370	188	2	1	1	NUM
fsr-3370	188	3	shows	show	VERB
fsr-3370	188	4	the	the	DET
fsr-3370	188	5	demographic	demographic	ADJ
fsr-3370	188	6	profile	profile	NOUN
fsr-3370	188	7	of	of	ADP
fsr-3370	188	8	the	the	DET
fsr-3370	188	9	sample	sample	NOUN
fsr-3370	188	10	based	base	VERB
fsr-3370	188	11	on	on	ADP
fsr-3370	188	12	age	age	NOUN
fsr-3370	188	13	,	,	PUNCT
fsr-3370	188	14	education	education	NOUN
fsr-3370	188	15	,	,	PUNCT
fsr-3370	188	16	income	income	NOUN
fsr-3370	188	17	,	,	PUNCT
fsr-3370	188	18	household	household	NOUN
fsr-3370	188	19	size	size	NOUN
fsr-3370	188	20	,	,	PUNCT
fsr-3370	188	21	net	net	ADJ
fsr-3370	188	22	worth	worth	NOUN
fsr-3370	188	23	,	,	PUNCT
fsr-3370	188	24	and	and	CCONJ
fsr-3370	188	25	gender	gender	NOUN
fsr-3370	188	26	.	.	PUNCT
fsr-3370	189	1	keep	keep	VERB
fsr-3370	189	2	in	in	ADP
fsr-3370	189	3	mind	mind	NOUN
fsr-3370	189	4	that	that	SCONJ
fsr-3370	189	5	education	education	NOUN
fsr-3370	189	6	,	,	PUNCT
fsr-3370	189	7	income	income	NOUN
fsr-3370	189	8	,	,	PUNCT
fsr-3370	189	9	and	and	CCONJ
fsr-3370	189	10	net	net	ADJ
fsr-3370	189	11	worth	worth	NOUN
fsr-3370	189	12	were	be	AUX
fsr-3370	189	13	measured	measure	VERB
fsr-3370	189	14	using	use	VERB
fsr-3370	189	15	ordinal	ordinal	ADJ
fsr-3370	189	16	variables	variable	NOUN
fsr-3370	189	17	(	(	PUNCT
fsr-3370	189	18	variable	variable	ADJ
fsr-3370	189	19	coding	coding	NOUN
fsr-3370	189	20	is	be	AUX
fsr-3370	189	21	discussed	discuss	VERB
fsr-3370	189	22	later	later	ADV
fsr-3370	189	23	in	in	ADP
fsr-3370	189	24	this	this	DET
fsr-3370	189	25	section	section	NOUN
fsr-3370	189	26	)	)	PUNCT
fsr-3370	189	27	.	.	PUNCT
fsr-3370	190	1	the	the	DET
fsr-3370	190	2	sample	sample	NOUN
fsr-3370	190	3	size	size	NOUN
fsr-3370	190	4	used	use	VERB
fsr-3370	190	5	in	in	ADP
fsr-3370	190	6	the	the	DET
fsr-3370	190	7	regression	regression	NOUN
fsr-3370	190	8	(	(	PUNCT
fsr-3370	190	9	n	n	X
fsr-3370	190	10	�	�	PROPN
fsr-3370	190	11	4,983	4,983	NUM
fsr-3370	190	12	)	)	PUNCT
fsr-3370	190	13	was	be	AUX
fsr-3370	190	14	reduced	reduce	VERB
fsr-3370	190	15	because	because	SCONJ
fsr-3370	190	16	of	of	ADP
fsr-3370	190	17	missing	miss	VERB
fsr-3370	190	18	data	datum	NOUN
fsr-3370	190	19	and	and	CCONJ
fsr-3370	190	20	modeling	modeling	NOUN
fsr-3370	190	21	delimitations	delimitation	NOUN
fsr-3370	190	22	.	.	PUNCT
fsr-3370	191	1	with	with	ADP
fsr-3370	191	2	an	an	DET
fsr-3370	191	3	average	average	ADJ
fsr-3370	191	4	age	age	NOUN
fsr-3370	191	5	of	of	ADP
fsr-3370	191	6	57	57	NUM
fsr-3370	191	7	,	,	PUNCT
fsr-3370	191	8	the	the	DET
fsr-3370	191	9	sample	sample	NOUN
fsr-3370	191	10	population	population	NOUN
fsr-3370	191	11	was	be	AUX
fsr-3370	191	12	older	old	ADJ
fsr-3370	191	13	than	than	ADP
fsr-3370	191	14	the	the	DET
fsr-3370	191	15	mean	mean	ADJ
fsr-3370	191	16	global	global	ADJ
fsr-3370	191	17	population	population	NOUN
fsr-3370	191	18	,	,	PUNCT
fsr-3370	191	19	but	but	CCONJ
fsr-3370	191	20	this	this	PRON
fsr-3370	191	21	was	be	AUX
fsr-3370	191	22	not	not	PART
fsr-3370	191	23	surprising	surprising	ADJ
fsr-3370	191	24	based	base	VERB
fsr-3370	191	25	on	on	ADP
fsr-3370	191	26	the	the	DET
fsr-3370	191	27	fact	fact	NOUN
fsr-3370	191	28	the	the	DET
fsr-3370	191	29	sample	sample	NOUN
fsr-3370	191	30	was	be	AUX
fsr-3370	191	31	drawn	draw	VERB
fsr-3370	191	32	from	from	ADP
fsr-3370	191	33	individuals	individual	NOUN
fsr-3370	191	34	seeking	seek	VERB
fsr-3370	191	35	financial	financial	ADJ
fsr-3370	191	36	or	or	CCONJ
fsr-3370	191	37	investment	investment	NOUN
fsr-3370	191	38	guidance	guidance	NOUN
fsr-3370	191	39	.	.	PUNCT
fsr-3370	192	1	average	average	ADJ
fsr-3370	192	2	income	income	NOUN
fsr-3370	192	3	fell	fall	VERB
fsr-3370	192	4	into	into	ADP
fsr-3370	192	5	the	the	DET
fsr-3370	192	6	$	$	SYM
fsr-3370	192	7	50,000	50,000	NUM
fsr-3370	192	8	to	to	PART
fsr-3370	192	9	$	$	SYM
fsr-3370	192	10	100,000	100,000	NUM
fsr-3370	192	11	range	range	NOUN
fsr-3370	192	12	,	,	PUNCT
fsr-3370	192	13	whereas	whereas	SCONJ
fsr-3370	192	14	the	the	DET
fsr-3370	192	15	average	average	ADJ
fsr-3370	192	16	net	net	ADJ
fsr-3370	192	17	worth	worth	NOUN
fsr-3370	192	18	for	for	ADP
fsr-3370	192	19	respondents	respondent	NOUN
fsr-3370	192	20	fell	fall	VERB
fsr-3370	192	21	into	into	ADP
fsr-3370	192	22	the	the	DET
fsr-3370	192	23	$	$	SYM
fsr-3370	192	24	250,000	250,000	NUM
fsr-3370	192	25	to	to	PART
fsr-3370	192	26	$	$	SYM
fsr-3370	192	27	500,000	500,000	NUM
fsr-3370	192	28	range	range	NOUN
fsr-3370	192	29	.	.	PUNCT
fsr-3370	193	1	the	the	DET
fsr-3370	193	2	mean	mean	ADJ
fsr-3370	193	3	education	education	NOUN
fsr-3370	193	4	level	level	NOUN
fsr-3370	193	5	was	be	AUX
fsr-3370	193	6	the	the	DET
fsr-3370	193	7	some	some	DET
fsr-3370	193	8	college	college	NOUN
fsr-3370	193	9	or	or	CCONJ
fsr-3370	193	10	trade	trade	NOUN
fsr-3370	193	11	school	school	NOUN
fsr-3370	193	12	category	category	NOUN
fsr-3370	193	13	.	.	PUNCT
fsr-3370	194	1	the	the	DET
fsr-3370	194	2	sample	sample	NOUN
fsr-3370	194	3	was	be	AUX
fsr-3370	194	4	skewed	skew	VERB
fsr-3370	194	5	slightly	slightly	ADV
fsr-3370	194	6	toward	toward	ADP
fsr-3370	194	7	males	male	NOUN
fsr-3370	194	8	who	who	PRON
fsr-3370	194	9	made	make	VERB
fsr-3370	194	10	up	up	ADP
fsr-3370	194	11	almost	almost	ADV
fsr-3370	194	12	55	55	NUM
fsr-3370	194	13	%	%	NOUN
fsr-3370	194	14	of	of	ADP
fsr-3370	194	15	the	the	DET
fsr-3370	194	16	sample	sample	NOUN
fsr-3370	194	17	.	.	PUNCT
fsr-3370	195	1	a	a	DET
fsr-3370	195	2	unique	unique	ADJ
fsr-3370	195	3	feature	feature	NOUN
fsr-3370	195	4	of	of	ADP
fsr-3370	195	5	the	the	DET
fsr-3370	195	6	dataset	dataset	NOUN
fsr-3370	195	7	was	be	AUX
fsr-3370	195	8	that	that	SCONJ
fsr-3370	195	9	all	all	DET
fsr-3370	195	10	respondents	respondent	NOUN
fsr-3370	195	11	took	take	VERB
fsr-3370	195	12	multiple	multiple	ADJ
fsr-3370	195	13	assessments	assessment	NOUN
fsr-3370	195	14	over	over	ADP
fsr-3370	195	15	the	the	DET
fsr-3370	195	16	course	course	NOUN
fsr-3370	195	17	of	of	ADP
fsr-3370	195	18	several	several	ADJ
fsr-3370	195	19	months	month	NOUN
fsr-3370	195	20	or	or	CCONJ
fsr-3370	195	21	years	year	NOUN
fsr-3370	195	22	.	.	PUNCT
fsr-3370	196	1	this	this	DET
fsr-3370	196	2	unique	unique	ADJ
fsr-3370	196	3	aspect	aspect	NOUN
fsr-3370	196	4	of	of	ADP
fsr-3370	196	5	the	the	DET
fsr-3370	196	6	dataset	dataset	NOUN
fsr-3370	196	7	allowed	allow	VERB
fsr-3370	196	8	for	for	ADP
fsr-3370	196	9	a	a	DET
fsr-3370	196	10	comparison	comparison	NOUN
fsr-3370	196	11	of	of	ADP
fsr-3370	196	12	respondents	respondent	NOUN
fsr-3370	196	13	at	at	ADP
fsr-3370	196	14	different	different	ADJ
fsr-3370	196	15	points	point	NOUN
fsr-3370	196	16	in	in	ADP
fsr-3370	196	17	time	time	NOUN
fsr-3370	196	18	,	,	PUNCT
fsr-3370	196	19	which	which	PRON
fsr-3370	196	20	made	make	VERB
fsr-3370	196	21	possible	possible	ADJ
fsr-3370	196	22	the	the	DET
fsr-3370	196	23	identification	identification	NOUN
fsr-3370	196	24	of	of	ADP
fsr-3370	196	25	unique	unique	ADJ
fsr-3370	196	26	attributes	attribute	NOUN
fsr-3370	196	27	of	of	ADP
fsr-3370	196	28	respondents	respondent	NOUN
fsr-3370	196	29	who	who	PRON
fsr-3370	196	30	exhibited	exhibit	VERB
fsr-3370	196	31	a	a	DET
fsr-3370	196	32	notable	notable	ADJ
fsr-3370	196	33	change	change	NOUN
fsr-3370	196	34	in	in	ADP
fsr-3370	196	35	their	their	PRON
fsr-3370	196	36	risk	risk	NOUN
fsr-3370	196	37	-	-	PUNCT
fsr-3370	196	38	tolerance	tolerance	NOUN
fsr-3370	196	39	score	score	NOUN
fsr-3370	196	40	(	(	PUNCT
fsr-3370	196	41	rts	rt	NOUN
fsr-3370	196	42	)	)	PUNCT
fsr-3370	196	43	.	.	PUNCT
fsr-3370	197	1	the	the	DET
fsr-3370	197	2	sample	sample	NOUN
fsr-3370	197	3	was	be	AUX
fsr-3370	197	4	delimited	delimit	VERB
fsr-3370	197	5	to	to	PART
fsr-3370	197	6	include	include	VERB
fsr-3370	197	7	only	only	ADV
fsr-3370	197	8	those	those	DET
fsr-3370	197	9	respondents	respondent	NOUN
fsr-3370	197	10	who	who	PRON
fsr-3370	197	11	completed	complete	VERB
fsr-3370	197	12	multiple	multiple	ADJ
fsr-3370	197	13	assessments	assessment	NOUN
fsr-3370	197	14	.	.	PUNCT
fsr-3370	198	1	table	table	NOUN
fsr-3370	198	2	2	2	NUM
fsr-3370	198	3	shows	show	VERB
fsr-3370	198	4	the	the	DET
fsr-3370	198	5	distribution	distribution	NOUN
fsr-3370	198	6	of	of	ADP
fsr-3370	198	7	risk	risk	NOUN
fsr-3370	198	8	scores	score	NOUN
fsr-3370	198	9	based	base	VERB
fsr-3370	198	10	on	on	ADP
fsr-3370	198	11	the	the	DET
fsr-3370	198	12	initial	initial	ADJ
fsr-3370	198	13	risk	risk	NOUN
fsr-3370	198	14	-	-	PUNCT
fsr-3370	198	15	tolerance	tolerance	NOUN
fsr-3370	198	16	score	score	NOUN
fsr-3370	198	17	(	(	PUNCT
fsr-3370	198	18	rts_1	rts_1	NOUN
fsr-3370	198	19	)	)	PUNCT
fsr-3370	198	20	and	and	CCONJ
fsr-3370	198	21	the	the	DET
fsr-3370	198	22	follow	follow	VERB
fsr-3370	198	23	up	up	ADP
fsr-3370	198	24	risk	risk	NOUN
fsr-3370	198	25	-	-	PUNCT
fsr-3370	198	26	tolerance	tolerance	NOUN
fsr-3370	198	27	score	score	NOUN
fsr-3370	198	28	(	(	PUNCT
fsr-3370	198	29	rts_2	rts_2	NOUN
fsr-3370	198	30	)	)	PUNCT
fsr-3370	198	31	test	test	NOUN
fsr-3370	198	32	dates	date	NOUN
fsr-3370	198	33	.	.	PUNCT
fsr-3370	199	1	the	the	DET
fsr-3370	199	2	variables	variable	NOUN
fsr-3370	199	3	were	be	AUX
fsr-3370	199	4	also	also	ADV
fsr-3370	199	5	coded	code	VERB
fsr-3370	199	6	by	by	ADP
fsr-3370	199	7	country	country	NOUN
fsr-3370	199	8	(	(	PUNCT
fsr-3370	199	9	aus	aus	PROPN
fsr-3370	199	10	,	,	PUNCT
fsr-3370	199	11	uk	uk	PROPN
fsr-3370	199	12	,	,	PUNCT
fsr-3370	199	13	us	we	PRON
fsr-3370	199	14	)	)	PUNCT
fsr-3370	199	15	.	.	PUNCT
fsr-3370	200	1	the	the	DET
fsr-3370	200	2	finametrica	finametrica	PROPN
fsr-3370	200	3	scale	scale	NOUN
fsr-3370	200	4	was	be	AUX
fsr-3370	200	5	utilized	utilize	VERB
fsr-3370	200	6	across	across	ADP
fsr-3370	200	7	each	each	PRON
fsr-3370	200	8	of	of	ADP
fsr-3370	200	9	the	the	DET
fsr-3370	200	10	three	three	NUM
fsr-3370	200	11	countries	country	NOUN
fsr-3370	200	12	in	in	ADP
fsr-3370	200	13	the	the	DET
fsr-3370	200	14	sample	sample	NOUN
fsr-3370	200	15	to	to	PART
fsr-3370	200	16	create	create	VERB
fsr-3370	200	17	consistency	consistency	NOUN
fsr-3370	200	18	and	and	CCONJ
fsr-3370	200	19	comparability	comparability	NOUN
fsr-3370	200	20	across	across	ADP
fsr-3370	200	21	countries	country	NOUN
fsr-3370	200	22	.	.	PUNCT
fsr-3370	201	1	because	because	SCONJ
fsr-3370	201	2	of	of	ADP
fsr-3370	201	3	a	a	DET
fsr-3370	201	4	common	common	ADJ
fsr-3370	201	5	language	language	NOUN
fsr-3370	201	6	,	,	PUNCT
fsr-3370	201	7	translation	translation	NOUN
fsr-3370	201	8	and	and	CCONJ
fsr-3370	201	9	semantic	semantic	ADJ
fsr-3370	201	10	issues	issue	NOUN
fsr-3370	201	11	represented	represent	VERB
fsr-3370	201	12	less	less	ADJ
fsr-3370	201	13	of	of	ADP
fsr-3370	201	14	a	a	DET
fsr-3370	201	15	methodological	methodological	ADJ
fsr-3370	201	16	issue	issue	NOUN
fsr-3370	201	17	in	in	ADP
fsr-3370	201	18	this	this	DET
fsr-3370	201	19	study	study	NOUN
fsr-3370	201	20	compared	compare	VERB
fsr-3370	201	21	with	with	ADP
fsr-3370	201	22	other	other	ADJ
fsr-3370	201	23	research	research	NOUN
fsr-3370	201	24	projects	project	NOUN
fsr-3370	201	25	measuring	measure	VERB
fsr-3370	201	26	global	global	ADJ
fsr-3370	201	27	risk	risk	NOUN
fsr-3370	201	28	attitudes	attitude	NOUN
fsr-3370	201	29	where	where	SCONJ
fsr-3370	201	30	survey	survey	NOUN
fsr-3370	201	31	tools	tool	NOUN
fsr-3370	201	32	have	have	AUX
fsr-3370	201	33	been	be	AUX
fsr-3370	201	34	translated	translate	VERB
fsr-3370	201	35	into	into	ADP
fsr-3370	201	36	multiple	multiple	ADJ
fsr-3370	201	37	languages	language	NOUN
fsr-3370	201	38	.	.	PUNCT
fsr-3370	202	1	minor	minor	ADJ
fsr-3370	202	2	adjustments	adjustment	NOUN
fsr-3370	202	3	to	to	PART
fsr-3370	202	4	reflect	reflect	VERB
fsr-3370	202	5	regional	regional	ADJ
fsr-3370	202	6	dialects	dialect	NOUN
fsr-3370	202	7	may	may	AUX
fsr-3370	202	8	have	have	AUX
fsr-3370	202	9	been	be	AUX
fsr-3370	202	10	used	use	VERB
fsr-3370	202	11	,	,	PUNCT
fsr-3370	202	12	but	but	CCONJ
fsr-3370	202	13	inconsistency	inconsistency	NOUN
fsr-3370	202	14	across	across	ADP
fsr-3370	202	15	differing	differ	VERB
fsr-3370	202	16	country	country	NOUN
fsr-3370	202	17	boundaries	boundary	NOUN
fsr-3370	202	18	was	be	AUX
fsr-3370	202	19	expected	expect	VERB
fsr-3370	202	20	to	to	PART
fsr-3370	202	21	be	be	AUX
fsr-3370	202	22	minor	minor	ADJ
fsr-3370	202	23	.	.	PUNCT
fsr-3370	203	1	the	the	DET
fsr-3370	203	2	validity	validity	NOUN
fsr-3370	203	3	and	and	CCONJ
fsr-3370	203	4	reliability	reliability	NOUN
fsr-3370	203	5	of	of	ADP
fsr-3370	203	6	the	the	DET
fsr-3370	203	7	assessment	assessment	NOUN
fsr-3370	203	8	tool	tool	NOUN
fsr-3370	203	9	has	have	AUX
fsr-3370	203	10	been	be	AUX
fsr-3370	203	11	verified	verify	VERB
fsr-3370	203	12	in	in	ADP
fsr-3370	203	13	previous	previous	ADJ
fsr-3370	203	14	studies	study	NOUN
fsr-3370	203	15	that	that	PRON
fsr-3370	203	16	have	have	AUX
fsr-3370	203	17	used	use	VERB
fsr-3370	203	18	the	the	DET
fsr-3370	203	19	finametrica	finametrica	PROPN
fsr-3370	203	20	dataset	dataset	NOUN
fsr-3370	203	21	.	.	PUNCT
fsr-3370	204	1	for	for	ADP
fsr-3370	204	2	example	example	NOUN
fsr-3370	204	3	,	,	PUNCT
fsr-3370	204	4	when	when	SCONJ
fsr-3370	204	5	testing	test	VERB
fsr-3370	204	6	the	the	DET
fsr-3370	204	7	validity	validity	NOUN
fsr-3370	204	8	of	of	ADP
fsr-3370	204	9	the	the	DET
fsr-3370	204	10	measure	measure	NOUN
fsr-3370	204	11	,	,	PUNCT
fsr-3370	204	12	gilliam	gilliam	PROPN
fsr-3370	204	13	,	,	PUNCT
fsr-3370	204	14	chatterjee	chatterjee	PROPN
fsr-3370	204	15	,	,	PUNCT
fsr-3370	204	16	and	and	CCONJ
fsr-3370	204	17	zhu	zhu	PROPN
fsr-3370	204	18	(	(	PUNCT
fsr-3370	204	19	2010	2010	NUM
fsr-3370	204	20	)	)	PUNCT
fsr-3370	204	21	reported	report	VERB
fsr-3370	204	22	a	a	DET
fsr-3370	204	23	cronbach	cronbach	NOUN
fsr-3370	204	24	’s	’s	PART
fsr-3370	204	25	alpha	alpha	NOUN
fsr-3370	204	26	of	of	ADP
fsr-3370	204	27	0.89	0.89	NUM
fsr-3370	204	28	,	,	PUNCT
fsr-3370	204	29	suggesting	suggest	VERB
fsr-3370	204	30	a	a	DET
fsr-3370	204	31	high	high	ADJ
fsr-3370	204	32	degree	degree	NOUN
fsr-3370	204	33	of	of	ADP
fsr-3370	204	34	reliability	reliability	NOUN
fsr-3370	204	35	for	for	ADP
fsr-3370	204	36	the	the	DET
fsr-3370	204	37	assessment	assessment	NOUN
fsr-3370	204	38	tool	tool	NOUN
fsr-3370	204	39	.	.	PUNCT
fsr-3370	205	1	an	an	DET
fsr-3370	205	2	example	example	NOUN
fsr-3370	205	3	of	of	ADP
fsr-3370	205	4	two	two	NUM
fsr-3370	205	5	of	of	ADP
fsr-3370	205	6	the	the	DET
fsr-3370	205	7	questions	question	NOUN
fsr-3370	205	8	used	use	VERB
fsr-3370	205	9	in	in	ADP
fsr-3370	205	10	the	the	DET
fsr-3370	205	11	assessment	assessment	NOUN
fsr-3370	205	12	includes	include	VERB
fsr-3370	205	13	:	:	PUNCT
fsr-3370	205	14	compared	compare	VERB
fsr-3370	205	15	with	with	ADP
fsr-3370	205	16	others	other	NOUN
fsr-3370	205	17	,	,	PUNCT
fsr-3370	205	18	how	how	SCONJ
fsr-3370	205	19	do	do	AUX
fsr-3370	205	20	you	you	PRON
fsr-3370	205	21	rate	rate	VERB
fsr-3370	205	22	your	your	PRON
fsr-3370	205	23	willingness	willingness	NOUN
fsr-3370	205	24	to	to	PART
fsr-3370	205	25	take	take	VERB
fsr-3370	205	26	financial	financial	ADJ
fsr-3370	205	27	risk	risk	NOUN
fsr-3370	205	28	?	?	PUNCT
fsr-3370	206	1	1	1	X
fsr-3370	206	2	.	.	X
fsr-3370	206	3	extremely	extremely	ADV
fsr-3370	206	4	low	low	ADJ
fsr-3370	206	5	risk	risk	NOUN
fsr-3370	206	6	taker	taker	NOUN
fsr-3370	206	7	2	2	NUM
fsr-3370	206	8	.	.	PUNCT
fsr-3370	206	9	very	very	ADV
fsr-3370	206	10	low	low	ADJ
fsr-3370	206	11	risk	risk	NOUN
fsr-3370	206	12	taker	taker	NOUN
fsr-3370	206	13	3	3	X
fsr-3370	206	14	.	.	PUNCT
fsr-3370	206	15	low	low	ADJ
fsr-3370	206	16	risk	risk	NOUN
fsr-3370	206	17	taker	taker	NOUN
fsr-3370	206	18	4	4	NUM
fsr-3370	206	19	.	.	PUNCT
fsr-3370	206	20	average	average	ADJ
fsr-3370	206	21	risk	risk	NOUN
fsr-3370	206	22	taker	taker	NOUN
fsr-3370	206	23	5	5	NUM
fsr-3370	206	24	.	.	PUNCT
fsr-3370	206	25	high	high	ADJ
fsr-3370	206	26	risk	risk	NOUN
fsr-3370	206	27	taker	taker	NOUN
fsr-3370	206	28	6	6	NUM
fsr-3370	206	29	.	.	PUNCT
fsr-3370	206	30	very	very	ADV
fsr-3370	206	31	high	high	ADJ
fsr-3370	206	32	risk	risk	NOUN
fsr-3370	206	33	taker	taker	NOUN
fsr-3370	206	34	323s	323s	PROPN
fsr-3370	206	35	.	.	PUNCT
fsr-3370	207	1	kuzniak	kuzniak	PROPN
fsr-3370	207	2	,	,	PUNCT
fsr-3370	207	3	j.e	j.e	PROPN
fsr-3370	207	4	.	.	PROPN
fsr-3370	207	5	grable	grable	PROPN
fsr-3370	207	6	/	/	SYM
fsr-3370	207	7	financial	financial	ADJ
fsr-3370	207	8	services	service	NOUN
fsr-3370	207	9	review	review	VERB
fsr-3370	207	10	26	26	NUM
fsr-3370	207	11	(	(	PUNCT
fsr-3370	207	12	2017	2017	NUM
fsr-3370	207	13	)	)	PUNCT
fsr-3370	207	14	315–338	315–338	NUM
fsr-3370	207	15	7	7	NUM
fsr-3370	207	16	.	.	PUNCT
fsr-3370	207	17	extremely	extremely	ADV
fsr-3370	207	18	high	high	ADJ
fsr-3370	207	19	risk	risk	NOUN
fsr-3370	207	20	taker	taker	NOUN
fsr-3370	207	21	how	how	SCONJ
fsr-3370	207	22	easily	easily	ADV
fsr-3370	207	23	do	do	AUX
fsr-3370	207	24	you	you	PRON
fsr-3370	207	25	adapt	adapt	VERB
fsr-3370	207	26	when	when	SCONJ
fsr-3370	207	27	things	thing	NOUN
fsr-3370	207	28	go	go	VERB
fsr-3370	207	29	wrong	wrong	ADJ
fsr-3370	207	30	financially	financially	ADV
fsr-3370	207	31	?	?	PUNCT
fsr-3370	208	1	1	1	X
fsr-3370	208	2	.	.	X
fsr-3370	208	3	very	very	ADV
fsr-3370	208	4	uneasily	uneasily	ADV
fsr-3370	208	5	2	2	NUM
fsr-3370	208	6	.	.	PUNCT
fsr-3370	208	7	somewhat	somewhat	ADV
fsr-3370	208	8	uneasily	uneasily	ADV
fsr-3370	208	9	3	3	X
fsr-3370	208	10	.	.	PUNCT
fsr-3370	208	11	somewhat	somewhat	ADV
fsr-3370	208	12	easily	easily	ADV
fsr-3370	208	13	table	table	VERB
fsr-3370	208	14	1	1	NUM
fsr-3370	208	15	demographic	demographic	ADJ
fsr-3370	208	16	profile	profile	NOUN
fsr-3370	208	17	of	of	ADP
fsr-3370	208	18	sample	sample	NOUN
fsr-3370	208	19	variable	variable	NOUN
fsr-3370	208	20	n	n	PRON
fsr-3370	208	21	percent	percent	NOUN
fsr-3370	208	22	of	of	ADP
fsr-3370	208	23	sample	sample	NOUN
fsr-3370	208	24	gender	gender	NOUN
fsr-3370	208	25	males	male	NOUN
fsr-3370	208	26	5,285	5,285	NUM
fsr-3370	208	27	54.6	54.6	NUM
fsr-3370	208	28	%	%	NOUN
fsr-3370	208	29	females	female	NOUN
fsr-3370	208	30	4,392	4,392	NUM
fsr-3370	208	31	45.4	45.4	NUM
fsr-3370	208	32	%	%	NOUN
fsr-3370	208	33	age	age	NOUN
fsr-3370	208	34	18–34	18–34	NUM
fsr-3370	208	35	1,930	1,930	NUM
fsr-3370	208	36	25.0	25.0	NUM
fsr-3370	208	37	%	%	NOUN
fsr-3370	208	38	35–54	35–54	NUM
fsr-3370	208	39	1,930	1,930	NUM
fsr-3370	208	40	25.0	25.0	NUM
fsr-3370	208	41	%	%	NOUN
fsr-3370	208	42	55–65	55–65	NUM
fsr-3370	208	43	1,930	1,930	NUM
fsr-3370	208	44	25.0	25.0	NUM
fsr-3370	208	45	%	%	NOUN
fsr-3370	208	46	65	65	NUM
fsr-3370	208	47	�	�	PROPN
fsr-3370	208	48	1,930	1,930	NUM
fsr-3370	208	49	25.0	25.0	NUM
fsr-3370	208	50	%	%	NOUN
fsr-3370	208	51	education	education	NOUN
fsr-3370	208	52	did	do	AUX
fsr-3370	208	53	not	not	PART
fsr-3370	208	54	complete	complete	VERB
fsr-3370	208	55	high	high	ADJ
fsr-3370	208	56	school	school	NOUN
fsr-3370	208	57	832	832	NUM
fsr-3370	208	58	13.7	13.7	NUM
fsr-3370	208	59	%	%	NOUN
fsr-3370	208	60	completed	complete	VERB
fsr-3370	208	61	high	high	ADJ
fsr-3370	208	62	school	school	NOUN
fsr-3370	208	63	707	707	NUM
fsr-3370	208	64	11.6	11.6	NUM
fsr-3370	208	65	%	%	NOUN
fsr-3370	208	66	trade	trade	NOUN
fsr-3370	208	67	or	or	CCONJ
fsr-3370	208	68	diploma	diploma	NOUN
fsr-3370	208	69	1,246	1,246	NUM
fsr-3370	208	70	20.5	20.5	NUM
fsr-3370	208	71	%	%	NOUN
fsr-3370	208	72	university	university	NOUN
fsr-3370	208	73	degree	degree	NOUN
fsr-3370	208	74	or	or	CCONJ
fsr-3370	208	75	higher	high	ADJ
fsr-3370	208	76	3,298	3,298	NUM
fsr-3370	208	77	54.2	54.2	NUM
fsr-3370	208	78	%	%	NOUN
fsr-3370	208	79	marital	marital	ADJ
fsr-3370	208	80	status	status	NOUN
fsr-3370	208	81	married	marry	VERB
fsr-3370	208	82	(	(	PUNCT
fsr-3370	208	83	or	or	CCONJ
fsr-3370	208	84	in	in	ADP
fsr-3370	208	85	a	a	DET
fsr-3370	208	86	de	de	X
fsr-3370	208	87	facto	facto	X
fsr-3370	208	88	relationship	relationship	NOUN
fsr-3370	208	89	)	)	PUNCT
fsr-3370	208	90	5,174	5,174	NUM
fsr-3370	208	91	83.2	83.2	NUM
fsr-3370	208	92	%	%	NOUN
fsr-3370	208	93	unmarried	unmarried	ADJ
fsr-3370	208	94	1,046	1,046	NUM
fsr-3370	208	95	16.8	16.8	NUM
fsr-3370	208	96	%	%	NOUN
fsr-3370	208	97	income	income	NOUN
fsr-3370	208	98	(	(	PUNCT
fsr-3370	208	99	income	income	NOUN
fsr-3370	208	100	from	from	ADP
fsr-3370	208	101	all	all	DET
fsr-3370	208	102	sources	source	NOUN
fsr-3370	208	103	)	)	PUNCT
fsr-3370	208	104	under	under	ADP
fsr-3370	208	105	$	$	SYM
fsr-3370	208	106	30,000	30,000	NUM
fsr-3370	208	107	625	625	NUM
fsr-3370	208	108	10.2	10.2	NUM
fsr-3370	208	109	%	%	NOUN
fsr-3370	208	110	$	$	SYM
fsr-3370	208	111	30,000-$50,000	30,000-$50,000	NUM
fsr-3370	208	112	1,177	1,177	NUM
fsr-3370	208	113	19.2	19.2	NUM
fsr-3370	208	114	%	%	NOUN
fsr-3370	208	115	$	$	SYM
fsr-3370	208	116	50,000-$100,000	50,000-$100,000	NUM
fsr-3370	208	117	2,133	2,133	NUM
fsr-3370	208	118	34.7	34.7	NUM
fsr-3370	208	119	%	%	NOUN
fsr-3370	208	120	$	$	SYM
fsr-3370	208	121	100,000-$200,000	100,000-$200,000	NUM
fsr-3370	208	122	1,295	1,295	NUM
fsr-3370	208	123	21.1	21.1	NUM
fsr-3370	208	124	%	%	NOUN
fsr-3370	208	125	$	$	SYM
fsr-3370	208	126	200,000-$300,000	200,000-$300,000	NUM
fsr-3370	208	127	672	672	NUM
fsr-3370	208	128	10.9	10.9	NUM
fsr-3370	208	129	%	%	NOUN
fsr-3370	208	130	over	over	ADP
fsr-3370	208	131	$	$	SYM
fsr-3370	208	132	300,000	300,000	NUM
fsr-3370	208	133	241	241	NUM
fsr-3370	208	134	3.9	3.9	NUM
fsr-3370	208	135	%	%	NOUN
fsr-3370	208	136	household	household	NOUN
fsr-3370	208	137	size	size	NOUN
fsr-3370	208	138	0	0	NUM
fsr-3370	208	139	2,180	2,180	NUM
fsr-3370	208	140	36.2	36.2	NUM
fsr-3370	208	141	%	%	NOUN
fsr-3370	208	142	1	1	NUM
fsr-3370	208	143	1,957	1,957	NUM
fsr-3370	208	144	32.5	32.5	NUM
fsr-3370	208	145	%	%	NOUN
fsr-3370	208	146	2	2	NUM
fsr-3370	208	147	859	859	NUM
fsr-3370	208	148	14.3	14.3	NUM
fsr-3370	208	149	%	%	NOUN
fsr-3370	208	150	3	3	NUM
fsr-3370	208	151	661	661	NUM
fsr-3370	208	152	11.0	11.0	NUM
fsr-3370	208	153	%	%	NOUN
fsr-3370	208	154	4	4	NUM
fsr-3370	208	155	�	�	NOUN
fsr-3370	208	156	366	366	NUM
fsr-3370	208	157	6.1	6.1	NUM
fsr-3370	208	158	%	%	NOUN
fsr-3370	208	159	net	net	ADJ
fsr-3370	208	160	worth	worth	NOUN
fsr-3370	208	161	under	under	ADP
fsr-3370	208	162	$	$	SYM
fsr-3370	208	163	10,000	10,000	NUM
fsr-3370	208	164	46	46	NUM
fsr-3370	208	165	0.8	0.8	NUM
fsr-3370	208	166	%	%	NOUN
fsr-3370	208	167	$	$	SYM
fsr-3370	208	168	10,000-$25,000	10,000-$25,000	NUM
fsr-3370	208	169	31	31	NUM
fsr-3370	208	170	0.5	0.5	NUM
fsr-3370	208	171	%	%	NOUN
fsr-3370	208	172	$	$	SYM
fsr-3370	208	173	25,000-$50,000	25,000-$50,000	NUM
fsr-3370	208	174	55	55	NUM
fsr-3370	208	175	0.9	0.9	NUM
fsr-3370	208	176	%	%	NOUN
fsr-3370	208	177	$	$	SYM
fsr-3370	208	178	50,000-$100,000	50,000-$100,000	NUM
fsr-3370	208	179	116	116	NUM
fsr-3370	208	180	1.9	1.9	NUM
fsr-3370	208	181	%	%	NOUN
fsr-3370	208	182	$	$	SYM
fsr-3370	208	183	100,000-$150,000	100,000-$150,000	NUM
fsr-3370	208	184	297	297	NUM
fsr-3370	208	185	4.9	4.9	NUM
fsr-3370	208	186	%	%	NOUN
fsr-3370	208	187	$	$	SYM
fsr-3370	208	188	150,000-$250,000	150,000-$250,000	NUM
fsr-3370	208	189	966	966	NUM
fsr-3370	208	190	15.9	15.9	NUM
fsr-3370	208	191	%	%	NOUN
fsr-3370	208	192	$	$	SYM
fsr-3370	208	193	250,000-$500,000	250,000-$500,000	NUM
fsr-3370	208	194	2,055	2,055	NUM
fsr-3370	208	195	33.8	33.8	NUM
fsr-3370	208	196	%	%	NOUN
fsr-3370	208	197	$	$	SYM
fsr-3370	208	198	500,000-$1,000,000	500,000-$1,000,000	NUM
fsr-3370	208	199	1,460	1,460	NUM
fsr-3370	208	200	24.0	24.0	NUM
fsr-3370	208	201	%	%	NOUN
fsr-3370	208	202	$	$	SYM
fsr-3370	208	203	1,000,000-$2,500,000	1,000,000-$2,500,000	NUM
fsr-3370	208	204	735	735	NUM
fsr-3370	208	205	12.1	12.1	NUM
fsr-3370	208	206	%	%	NOUN
fsr-3370	208	207	over	over	ADP
fsr-3370	208	208	$	$	SYM
fsr-3370	208	209	2,500,000	2,500,000	NUM
fsr-3370	208	210	322	322	NUM
fsr-3370	208	211	5.3	5.3	NUM
fsr-3370	208	212	%	%	NOUN
fsr-3370	208	213	country	country	NOUN
fsr-3370	208	214	australia	australia	PROPN
fsr-3370	208	215	1,762	1,762	NUM
fsr-3370	208	216	18.2	18.2	NUM
fsr-3370	208	217	%	%	NOUN
fsr-3370	208	218	united	united	PROPN
fsr-3370	208	219	states	states	PROPN
fsr-3370	208	220	6,269	6,269	NUM
fsr-3370	208	221	64.7	64.7	NUM
fsr-3370	208	222	%	%	NOUN
fsr-3370	208	223	united	united	PROPN
fsr-3370	208	224	kingdom	kingdom	PROPN
fsr-3370	208	225	4,564	4,564	NUM
fsr-3370	208	226	17.1	17.1	NUM
fsr-3370	208	227	%	%	NOUN
fsr-3370	208	228	324	324	NUM
fsr-3370	208	229	s.	s.	PROPN
fsr-3370	208	230	kuzniak	kuzniak	PROPN
fsr-3370	208	231	,	,	PUNCT
fsr-3370	208	232	j.e	j.e	PROPN
fsr-3370	208	233	.	.	PROPN
fsr-3370	208	234	grable	grable	PROPN
fsr-3370	208	235	/	/	SYM
fsr-3370	208	236	financial	financial	ADJ
fsr-3370	208	237	services	service	NOUN
fsr-3370	208	238	review	review	VERB
fsr-3370	208	239	26	26	NUM
fsr-3370	208	240	(	(	PUNCT
fsr-3370	208	241	2017	2017	NUM
fsr-3370	208	242	)	)	PUNCT
fsr-3370	208	243	315–338	315–338	NUM
fsr-3370	208	244	4	4	NUM
fsr-3370	208	245	.	.	PUNCT
fsr-3370	209	1	very	very	ADV
fsr-3370	209	2	easily	easily	ADV
fsr-3370	209	3	some	some	PRON
fsr-3370	209	4	of	of	ADP
fsr-3370	209	5	the	the	DET
fsr-3370	209	6	advantages	advantage	NOUN
fsr-3370	209	7	associated	associate	VERB
fsr-3370	209	8	with	with	ADP
fsr-3370	209	9	the	the	DET
fsr-3370	209	10	use	use	NOUN
fsr-3370	209	11	of	of	ADP
fsr-3370	209	12	the	the	DET
fsr-3370	209	13	finametrica	finametrica	ADJ
fsr-3370	209	14	system	system	NOUN
fsr-3370	209	15	include	include	VERB
fsr-3370	209	16	the	the	DET
fsr-3370	209	17	academic	academic	ADJ
fsr-3370	209	18	and	and	CCONJ
fsr-3370	209	19	theoretical	theoretical	ADJ
fsr-3370	209	20	manner	manner	NOUN
fsr-3370	209	21	in	in	ADP
fsr-3370	209	22	which	which	PRON
fsr-3370	209	23	the	the	DET
fsr-3370	209	24	scale	scale	NOUN
fsr-3370	209	25	was	be	AUX
fsr-3370	209	26	conceptualized	conceptualize	VERB
fsr-3370	209	27	,	,	PUNCT
fsr-3370	209	28	wide	wide	ADJ
fsr-3370	209	29	professional	professional	ADJ
fsr-3370	209	30	and	and	CCONJ
fsr-3370	209	31	individual	individual	ADJ
fsr-3370	209	32	use	use	NOUN
fsr-3370	209	33	,	,	PUNCT
fsr-3370	209	34	and	and	CCONJ
fsr-3370	209	35	simple	simple	ADJ
fsr-3370	209	36	to	to	PART
fsr-3370	209	37	understand	understand	VERB
fsr-3370	209	38	interpretations	interpretation	NOUN
fsr-3370	209	39	that	that	PRON
fsr-3370	209	40	help	help	VERB
fsr-3370	209	41	financial	financial	ADJ
fsr-3370	209	42	planners	planner	NOUN
fsr-3370	209	43	know	know	VERB
fsr-3370	209	44	how	how	SCONJ
fsr-3370	209	45	to	to	PART
fsr-3370	209	46	allocate	allocate	VERB
fsr-3370	209	47	their	their	PRON
fsr-3370	209	48	client	client	NOUN
fsr-3370	209	49	’s	’s	PART
fsr-3370	209	50	investments	investment	NOUN
fsr-3370	209	51	(	(	PUNCT
fsr-3370	209	52	finametrica	finametrica	PROPN
fsr-3370	209	53	,	,	PUNCT
fsr-3370	209	54	n.d	n.d	PROPN
fsr-3370	209	55	.	.	PROPN
fsr-3370	209	56	)	)	PUNCT
fsr-3370	209	57	.	.	PUNCT
fsr-3370	210	1	4.1	4.1	NUM
fsr-3370	210	2	.	.	PUNCT
fsr-3370	211	1	dependent	dependent	ADJ
fsr-3370	211	2	variable	variable	NOUN
fsr-3370	211	3	4.1.1	4.1.1	PROPN
fsr-3370	211	4	.	.	PUNCT
fsr-3370	212	1	change	change	NOUN
fsr-3370	212	2	in	in	ADP
fsr-3370	212	3	frt	frt	PROPN
fsr-3370	212	4	score	score	PROPN
fsr-3370	212	5	frt	frt	PROPN
fsr-3370	212	6	,	,	PUNCT
fsr-3370	212	7	as	as	SCONJ
fsr-3370	212	8	defined	define	VERB
fsr-3370	212	9	by	by	ADP
fsr-3370	212	10	each	each	DET
fsr-3370	212	11	respondent	respondent	NOUN
fsr-3370	212	12	’s	’s	PART
fsr-3370	212	13	rts	rt	NOUN
fsr-3370	212	14	,	,	PUNCT
fsr-3370	212	15	was	be	AUX
fsr-3370	212	16	the	the	DET
fsr-3370	212	17	primary	primary	ADJ
fsr-3370	212	18	outcome	outcome	NOUN
fsr-3370	212	19	variable	variable	NOUN
fsr-3370	212	20	of	of	ADP
fsr-3370	212	21	interest	interest	NOUN
fsr-3370	212	22	.	.	PUNCT
fsr-3370	213	1	the	the	DET
fsr-3370	213	2	assessment	assessment	NOUN
fsr-3370	213	3	score	score	NOUN
fsr-3370	213	4	was	be	AUX
fsr-3370	213	5	based	base	VERB
fsr-3370	213	6	on	on	ADP
fsr-3370	213	7	a	a	DET
fsr-3370	213	8	25	25	NUM
fsr-3370	213	9	-	-	PUNCT
fsr-3370	213	10	item	item	NOUN
fsr-3370	213	11	scale	scale	NOUN
fsr-3370	213	12	that	that	PRON
fsr-3370	213	13	was	be	AUX
fsr-3370	213	14	aggregated	aggregate	VERB
fsr-3370	213	15	to	to	PART
fsr-3370	213	16	compute	compute	VERB
fsr-3370	213	17	a	a	DET
fsr-3370	213	18	composite	composite	ADJ
fsr-3370	213	19	risk	risk	NOUN
fsr-3370	213	20	score	score	NOUN
fsr-3370	213	21	.	.	PUNCT
fsr-3370	214	1	ranging	range	VERB
fsr-3370	214	2	from	from	ADP
fsr-3370	214	3	1	1	NUM
fsr-3370	214	4	to	to	PART
fsr-3370	214	5	100	100	NUM
fsr-3370	214	6	,	,	PUNCT
fsr-3370	214	7	higher	high	ADJ
fsr-3370	214	8	scores	score	NOUN
fsr-3370	214	9	were	be	AUX
fsr-3370	214	10	indicative	indicative	ADJ
fsr-3370	214	11	of	of	ADP
fsr-3370	214	12	having	have	VERB
fsr-3370	214	13	a	a	DET
fsr-3370	214	14	higher	high	ADJ
fsr-3370	214	15	frt	frt	NOUN
fsr-3370	214	16	.	.	PUNCT
fsr-3370	215	1	the	the	DET
fsr-3370	215	2	mean	mean	ADJ
fsr-3370	215	3	and	and	CCONJ
fsr-3370	215	4	standard	standard	ADJ
fsr-3370	215	5	deviation	deviation	NOUN
fsr-3370	215	6	of	of	ADP
fsr-3370	215	7	the	the	DET
fsr-3370	215	8	initial	initial	ADJ
fsr-3370	215	9	test	test	NOUN
fsr-3370	215	10	(	(	PUNCT
fsr-3370	215	11	rts_1	rts_1	NOUN
fsr-3370	215	12	)	)	PUNCT
fsr-3370	215	13	for	for	ADP
fsr-3370	215	14	the	the	DET
fsr-3370	215	15	sample	sample	NOUN
fsr-3370	215	16	was	be	AUX
fsr-3370	215	17	47.40	47.40	NUM
fsr-3370	215	18	and	and	CCONJ
fsr-3370	215	19	9.51	9.51	NUM
fsr-3370	215	20	,	,	PUNCT
fsr-3370	215	21	respectively	respectively	ADV
fsr-3370	215	22	.	.	PUNCT
fsr-3370	216	1	in	in	ADP
fsr-3370	216	2	addition	addition	NOUN
fsr-3370	216	3	to	to	ADP
fsr-3370	216	4	measuring	measure	VERB
fsr-3370	216	5	overall	overall	ADJ
fsr-3370	216	6	composite	composite	ADJ
fsr-3370	216	7	frt	frt	NOUN
fsr-3370	216	8	scores	score	NOUN
fsr-3370	216	9	,	,	PUNCT
fsr-3370	216	10	another	another	DET
fsr-3370	216	11	aspect	aspect	NOUN
fsr-3370	216	12	of	of	ADP
fsr-3370	216	13	the	the	DET
fsr-3370	216	14	sample	sample	NOUN
fsr-3370	216	15	were	be	AUX
fsr-3370	216	16	matching	match	VERB
fsr-3370	216	17	data	datum	NOUN
fsr-3370	216	18	pertaining	pertain	VERB
fsr-3370	216	19	to	to	ADP
fsr-3370	216	20	changes	change	NOUN
fsr-3370	216	21	in	in	ADP
fsr-3370	216	22	frt	frt	NOUN
fsr-3370	216	23	scores	score	NOUN
fsr-3370	216	24	across	across	ADP
fsr-3370	216	25	time	time	NOUN
fsr-3370	216	26	by	by	ADP
fsr-3370	216	27	individual	individual	ADJ
fsr-3370	216	28	respondent	respondent	NOUN
fsr-3370	216	29	.	.	PUNCT
fsr-3370	217	1	the	the	DET
fsr-3370	217	2	dataset	dataset	NOUN
fsr-3370	217	3	contained	contain	VERB
fsr-3370	217	4	an	an	DET
fsr-3370	217	5	additional	additional	ADJ
fsr-3370	217	6	score	score	NOUN
fsr-3370	217	7	for	for	ADP
fsr-3370	217	8	each	each	DET
fsr-3370	217	9	respondent	respondent	NOUN
fsr-3370	217	10	(	(	PUNCT
fsr-3370	217	11	rts_2	rts_2	NOUN
fsr-3370	217	12	)	)	PUNCT
fsr-3370	217	13	.	.	PUNCT
fsr-3370	218	1	the	the	DET
fsr-3370	218	2	mean	mean	ADJ
fsr-3370	218	3	and	and	CCONJ
fsr-3370	218	4	standard	standard	ADJ
fsr-3370	218	5	deviation	deviation	NOUN
fsr-3370	218	6	for	for	ADP
fsr-3370	218	7	the	the	DET
fsr-3370	218	8	rts_2	rts_2	NOUN
fsr-3370	218	9	score	score	NOUN
fsr-3370	218	10	was	be	AUX
fsr-3370	218	11	48.10	48.10	NUM
fsr-3370	218	12	and	and	CCONJ
fsr-3370	218	13	9.61	9.61	NUM
fsr-3370	218	14	,	,	PUNCT
fsr-3370	218	15	respectively	respectively	ADV
fsr-3370	218	16	.	.	PUNCT
fsr-3370	219	1	overall	overall	ADJ
fsr-3370	219	2	,	,	PUNCT
fsr-3370	219	3	frt	frt	PROPN
fsr-3370	219	4	scores	score	NOUN
fsr-3370	219	5	increased	increase	VERB
fsr-3370	219	6	less	less	ADJ
fsr-3370	219	7	than	than	ADP
fsr-3370	219	8	one	one	NUM
fsr-3370	219	9	point	point	NOUN
fsr-3370	219	10	(	(	PUNCT
fsr-3370	219	11	0.63	0.63	NUM
fsr-3370	219	12	;	;	PUNCT
fsr-3370	219	13	sd	sd	ADP
fsr-3370	219	14	�	�	PROPN
fsr-3370	219	15	6.13	6.13	NUM
fsr-3370	219	16	)	)	PUNCT
fsr-3370	219	17	from	from	ADP
fsr-3370	219	18	the	the	DET
fsr-3370	219	19	initial	initial	ADJ
fsr-3370	219	20	test	test	NOUN
fsr-3370	219	21	.	.	PUNCT
fsr-3370	220	1	with	with	ADP
fsr-3370	220	2	such	such	DET
fsr-3370	220	3	a	a	DET
fsr-3370	220	4	large	large	ADJ
fsr-3370	220	5	sample	sample	NOUN
fsr-3370	220	6	,	,	PUNCT
fsr-3370	220	7	one	one	PRON
fsr-3370	220	8	would	would	AUX
fsr-3370	220	9	expect	expect	VERB
fsr-3370	220	10	to	to	PART
fsr-3370	220	11	see	see	VERB
fsr-3370	220	12	a	a	DET
fsr-3370	220	13	selection	selection	NOUN
fsr-3370	220	14	of	of	ADP
fsr-3370	220	15	individuals	individual	NOUN
fsr-3370	220	16	who	who	PRON
fsr-3370	220	17	exhibited	exhibit	VERB
fsr-3370	220	18	both	both	DET
fsr-3370	220	19	extreme	extreme	ADJ
fsr-3370	220	20	consistency	consistency	NOUN
fsr-3370	220	21	in	in	ADP
fsr-3370	220	22	frt	frt	NOUN
fsr-3370	220	23	and	and	CCONJ
fsr-3370	220	24	others	other	NOUN
fsr-3370	220	25	who	who	PRON
fsr-3370	220	26	had	have	VERB
fsr-3370	220	27	major	major	ADJ
fsr-3370	220	28	fluctuations	fluctuation	NOUN
fsr-3370	220	29	in	in	ADP
fsr-3370	220	30	their	their	PRON
fsr-3370	220	31	frt	frt	NOUN
fsr-3370	220	32	scores	score	NOUN
fsr-3370	220	33	.	.	PUNCT
fsr-3370	221	1	the	the	DET
fsr-3370	221	2	following	following	ADJ
fsr-3370	221	3	mean	mean	NOUN
fsr-3370	221	4	deviation	deviation	NOUN
fsr-3370	221	5	technique	technique	NOUN
fsr-3370	221	6	,	,	PUNCT
fsr-3370	221	7	as	as	SCONJ
fsr-3370	221	8	outlined	outline	VERB
fsr-3370	221	9	by	by	ADP
fsr-3370	221	10	roszkowski	roszkowski	NOUN
fsr-3370	221	11	and	and	CCONJ
fsr-3370	221	12	spreat	spreat	NOUN
fsr-3370	221	13	(	(	PUNCT
fsr-3370	221	14	2010	2010	NUM
fsr-3370	221	15	)	)	PUNCT
fsr-3370	221	16	,	,	PUNCT
fsr-3370	221	17	was	be	AUX
fsr-3370	221	18	used	use	VERB
fsr-3370	221	19	to	to	PART
fsr-3370	221	20	estimate	estimate	VERB
fsr-3370	221	21	large	large	ADJ
fsr-3370	221	22	fluctuations	fluctuation	NOUN
fsr-3370	221	23	as	as	ADP
fsr-3370	221	24	a	a	DET
fsr-3370	221	25	way	way	NOUN
fsr-3370	221	26	to	to	PART
fsr-3370	221	27	isolate	isolate	VERB
fsr-3370	221	28	those	those	PRON
fsr-3370	221	29	with	with	ADP
fsr-3370	221	30	significant	significant	ADJ
fsr-3370	221	31	changes	change	NOUN
fsr-3370	221	32	in	in	ADP
fsr-3370	221	33	frt	frt	NOUN
fsr-3370	221	34	:	:	PUNCT
fsr-3370	222	1	1	1	X
fsr-3370	222	2	.	.	X
fsr-3370	222	3	subtract	subtract	VERB
fsr-3370	222	4	the	the	DET
fsr-3370	222	5	reliability	reliability	NOUN
fsr-3370	222	6	coefficient	coefficient	NOUN
fsr-3370	222	7	from	from	ADP
fsr-3370	222	8	1.0	1.0	NUM
fsr-3370	222	9	.	.	PUNCT
fsr-3370	223	1	a.	a.	NOUN
fsr-3370	223	2	1.0–0.89	1.0–0.89	PROPN
fsr-3370	223	3	�	�	PROPN
fsr-3370	223	4	0.11	0.11	NUM
fsr-3370	223	5	2	2	NUM
fsr-3370	223	6	.	.	PUNCT
fsr-3370	223	7	calculate	calculate	VERB
fsr-3370	223	8	the	the	DET
fsr-3370	223	9	square	square	ADJ
fsr-3370	223	10	root	root	NOUN
fsr-3370	223	11	of	of	ADP
fsr-3370	223	12	the	the	DET
fsr-3370	223	13	estimate	estimate	NOUN
fsr-3370	223	14	.	.	PUNCT
fsr-3370	224	1	a.	a.	NOUN
fsr-3370	224	2	sqrt(0.11	sqrt(0.11	PUNCT
fsr-3370	224	3	)	)	PUNCT
fsr-3370	224	4	�	�	PROPN
fsr-3370	224	5	0.33	0.33	NUM
fsr-3370	224	6	3	3	NUM
fsr-3370	224	7	.	.	PUNCT
fsr-3370	224	8	multiply	multiply	VERB
fsr-3370	224	9	the	the	DET
fsr-3370	224	10	square	square	ADJ
fsr-3370	224	11	root	root	NOUN
fsr-3370	224	12	outcome	outcome	NOUN
fsr-3370	224	13	by	by	ADP
fsr-3370	224	14	the	the	DET
fsr-3370	224	15	test	test	NOUN
fsr-3370	224	16	’s	’s	PART
fsr-3370	224	17	standard	standard	ADJ
fsr-3370	224	18	deviation	deviation	NOUN
fsr-3370	224	19	to	to	PART
fsr-3370	224	20	estimate	estimate	VERB
fsr-3370	224	21	the	the	DET
fsr-3370	224	22	standard	standard	ADJ
fsr-3370	224	23	error	error	NOUN
fsr-3370	224	24	of	of	ADP
fsr-3370	224	25	measurement	measurement	NOUN
fsr-3370	224	26	(	(	PUNCT
fsr-3370	224	27	sem	sem	NOUN
fsr-3370	224	28	)	)	PUNCT
fsr-3370	224	29	.	.	PUNCT
fsr-3370	225	1	table	table	NOUN
fsr-3370	225	2	2	2	NUM
fsr-3370	225	3	demographic	demographic	ADJ
fsr-3370	225	4	profile	profile	NOUN
fsr-3370	225	5	of	of	ADP
fsr-3370	225	6	the	the	DET
fsr-3370	225	7	sample	sample	NOUN
fsr-3370	225	8	based	base	VERB
fsr-3370	225	9	on	on	ADP
fsr-3370	225	10	financial	financial	ADJ
fsr-3370	225	11	risk	risk	NOUN
fsr-3370	225	12	tolerance	tolerance	NOUN
fsr-3370	225	13	(	(	PUNCT
fsr-3370	225	14	frt	frt	NOUN
fsr-3370	225	15	)	)	PUNCT
fsr-3370	225	16	scores	score	NOUN
fsr-3370	225	17	frt	frt	PROPN
fsr-3370	225	18	scores	score	NOUN
fsr-3370	225	19	n	n	ADV
fsr-3370	225	20	%	%	NOUN
fsr-3370	225	21	mean	mean	VERB
fsr-3370	225	22	standard	standard	ADJ
fsr-3370	225	23	deviation	deviation	NOUN
fsr-3370	225	24	min	min	NOUN
fsr-3370	225	25	max	max	NOUN
fsr-3370	225	26	rts_1	rts_1	ADP
fsr-3370	225	27	9,692	9,692	NUM
fsr-3370	225	28	100.0	100.0	NUM
fsr-3370	225	29	%	%	NOUN
fsr-3370	225	30	47.40	47.40	NUM
fsr-3370	225	31	9.51	9.51	NUM
fsr-3370	225	32	14	14	NUM
fsr-3370	225	33	93	93	NUM
fsr-3370	225	34	rts_2	rts_2	NOUN
fsr-3370	225	35	9,692	9,692	NUM
fsr-3370	225	36	100.0	100.0	NUM
fsr-3370	225	37	%	%	NOUN
fsr-3370	225	38	48.00	48.00	NUM
fsr-3370	225	39	9.61	9.61	NUM
fsr-3370	225	40	15	15	NUM
fsr-3370	225	41	95	95	NUM
fsr-3370	225	42	aus_rts_1	aus_rts_1	NOUN
fsr-3370	225	43	1,762	1,762	NUM
fsr-3370	225	44	18.1	18.1	NUM
fsr-3370	225	45	%	%	NOUN
fsr-3370	225	46	48.72	48.72	NUM
fsr-3370	225	47	9.63	9.63	NUM
fsr-3370	225	48	18	18	NUM
fsr-3370	225	49	86	86	NUM
fsr-3370	225	50	aus_rts_2	aus_rts_2	NOUN
fsr-3370	225	51	1,763	1,763	NUM
fsr-3370	225	52	18.1	18.1	NUM
fsr-3370	225	53	%	%	NOUN
fsr-3370	225	54	48.92	48.92	NUM
fsr-3370	225	55	9.49	9.49	NUM
fsr-3370	225	56	16	16	NUM
fsr-3370	225	57	87	87	NUM
fsr-3370	225	58	uk_rts_1	uk_rts_1	PROPN
fsr-3370	225	59	6,269	6,269	NUM
fsr-3370	225	60	64.3	64.3	NUM
fsr-3370	225	61	%	%	NOUN
fsr-3370	225	62	46.61	46.61	NUM
fsr-3370	225	63	9.56	9.56	NUM
fsr-3370	225	64	14	14	NUM
fsr-3370	225	65	93	93	NUM
fsr-3370	225	66	uk_rts_2	uk_rts_2	NOUN
fsr-3370	225	67	6,270	6,270	NUM
fsr-3370	225	68	64.3	64.3	NUM
fsr-3370	225	69	%	%	NOUN
fsr-3370	225	70	47.38	47.38	NUM
fsr-3370	225	71	9.69	9.69	NUM
fsr-3370	225	72	15	15	NUM
fsr-3370	225	73	95	95	NUM
fsr-3370	225	74	us_rts_1	us_rts_1	NOUN
fsr-3370	225	75	1,661	1,661	NUM
fsr-3370	225	76	17.0	17.0	NUM
fsr-3370	225	77	%	%	NOUN
fsr-3370	225	78	49.18	49.18	NUM
fsr-3370	225	79	8.81	8.81	NUM
fsr-3370	225	80	18	18	NUM
fsr-3370	225	81	83	83	NUM
fsr-3370	225	82	us_rts_2	us_rts_2	NOUN
fsr-3370	225	83	1,662	1,662	NUM
fsr-3370	225	84	17.0	17.0	NUM
fsr-3370	225	85	%	%	NOUN
fsr-3370	225	86	49.73	49.73	NUM
fsr-3370	225	87	9.15	9.15	NUM
fsr-3370	225	88	21	21	NUM
fsr-3370	225	89	84	84	NUM
fsr-3370	225	90	rts	rt	NOUN
fsr-3370	225	91	�	�	PROPN
fsr-3370	225	92	risk	risk	NOUN
fsr-3370	225	93	-	-	PUNCT
fsr-3370	225	94	tolerance	tolerance	NOUN
fsr-3370	225	95	score	score	NOUN
fsr-3370	225	96	;	;	PUNCT
fsr-3370	225	97	aus	aus	PROPN
fsr-3370	225	98	�	�	PROPN
fsr-3370	225	99	australia	australia	PROPN
fsr-3370	225	100	;	;	PUNCT
fsr-3370	225	101	uk	uk	PROPN
fsr-3370	225	102	�	�	PROPN
fsr-3370	225	103	united	united	PROPN
fsr-3370	225	104	kingdom	kingdom	PROPN
fsr-3370	225	105	;	;	PUNCT
fsr-3370	225	106	us	us	PROPN
fsr-3370	225	107	�	�	PROPN
fsr-3370	225	108	united	united	PROPN
fsr-3370	225	109	states	states	PROPN
fsr-3370	225	110	.	.	PUNCT
fsr-3370	226	1	325s	325s	NUM
fsr-3370	226	2	.	.	PUNCT
fsr-3370	227	1	kuzniak	kuzniak	PROPN
fsr-3370	227	2	,	,	PUNCT
fsr-3370	227	3	j.e	j.e	PROPN
fsr-3370	227	4	.	.	PROPN
fsr-3370	227	5	grable	grable	PROPN
fsr-3370	227	6	/	/	SYM
fsr-3370	227	7	financial	financial	ADJ
fsr-3370	227	8	services	service	NOUN
fsr-3370	227	9	review	review	VERB
fsr-3370	227	10	26	26	NUM
fsr-3370	227	11	(	(	PUNCT
fsr-3370	227	12	2017	2017	NUM
fsr-3370	227	13	)	)	PUNCT
fsr-3370	228	1	315–338	315–338	NUM
fsr-3370	228	2	a.	a.	NOUN
fsr-3370	228	3	0.33	0.33	NUM
fsr-3370	228	4	*	*	SYM
fsr-3370	228	5	9.51	9.51	NUM
fsr-3370	228	6	�	�	PROPN
fsr-3370	228	7	3.14	3.14	NUM
fsr-3370	228	8	4	4	NUM
fsr-3370	228	9	.	.	PUNCT
fsr-3370	228	10	estimate	estimate	VERB
fsr-3370	228	11	the	the	DET
fsr-3370	228	12	95	95	NUM
fsr-3370	228	13	%	%	NOUN
fsr-3370	228	14	confidence	confidence	NOUN
fsr-3370	228	15	interval	interval	NOUN
fsr-3370	228	16	by	by	ADP
fsr-3370	228	17	multiplying	multiply	VERB
fsr-3370	228	18	the	the	DET
fsr-3370	228	19	sem	sem	NOUN
fsr-3370	228	20	by	by	ADP
fsr-3370	228	21	1.96	1.96	NUM
fsr-3370	228	22	(	(	PUNCT
fsr-3370	228	23	this	this	PRON
fsr-3370	228	24	is	be	AUX
fsr-3370	228	25	the	the	DET
fsr-3370	228	26	approximate	approximate	ADJ
fsr-3370	228	27	z	z	NOUN
fsr-3370	228	28	score	score	NOUN
fsr-3370	228	29	associated	associate	VERB
fsr-3370	228	30	with	with	ADP
fsr-3370	228	31	95	95	NUM
fsr-3370	228	32	%	%	NOUN
fsr-3370	228	33	coverage	coverage	NOUN
fsr-3370	228	34	within	within	ADP
fsr-3370	228	35	a	a	DET
fsr-3370	228	36	normal	normal	ADJ
fsr-3370	228	37	distribution	distribution	NOUN
fsr-3370	228	38	)	)	PUNCT
fsr-3370	228	39	.	.	PUNCT
fsr-3370	229	1	a.	a.	NOUN
fsr-3370	229	2	3.14	3.14	NUM
fsr-3370	229	3	*	*	SYM
fsr-3370	229	4	1.96	1.96	NUM
fsr-3370	229	5	�	�	PROPN
fsr-3370	229	6	6.15	6.15	NUM
fsr-3370	229	7	5	5	NUM
fsr-3370	229	8	.	.	PUNCT
fsr-3370	229	9	based	base	VERB
fsr-3370	229	10	on	on	ADP
fsr-3370	229	11	the	the	DET
fsr-3370	229	12	test	test	NOUN
fsr-3370	229	13	mean	mean	NOUN
fsr-3370	229	14	of	of	ADP
fsr-3370	229	15	47.40	47.40	NUM
fsr-3370	229	16	,	,	PUNCT
fsr-3370	229	17	any	any	DET
fsr-3370	229	18	test	test	NOUN
fsr-3370	229	19	taker	taker	NOUN
fsr-3370	229	20	with	with	ADP
fsr-3370	229	21	a	a	DET
fsr-3370	229	22	rts_2	rts_2	NOUN
fsr-3370	229	23	score	score	NOUN
fsr-3370	229	24	between	between	ADP
fsr-3370	229	25	41.25	41.25	NUM
fsr-3370	229	26	to	to	ADP
fsr-3370	229	27	53.55	53.55	NUM
fsr-3370	229	28	(	(	PUNCT
fsr-3370	229	29	41	41	NUM
fsr-3370	229	30	to	to	PART
fsr-3370	229	31	54	54	NUM
fsr-3370	229	32	rounded	round	VERB
fsr-3370	229	33	)	)	PUNCT
fsr-3370	229	34	was	be	AUX
fsr-3370	229	35	considered	consider	VERB
fsr-3370	229	36	rts_stable	rts_stable	ADJ
fsr-3370	229	37	.	.	PUNCT
fsr-3370	230	1	this	this	DET
fsr-3370	230	2	methodological	methodological	ADJ
fsr-3370	230	3	approach	approach	NOUN
fsr-3370	230	4	,	,	PUNCT
fsr-3370	230	5	based	base	VERB
fsr-3370	230	6	on	on	ADP
fsr-3370	230	7	the	the	DET
fsr-3370	230	8	standard	standard	ADJ
fsr-3370	230	9	error	error	NOUN
fsr-3370	230	10	of	of	ADP
fsr-3370	230	11	the	the	DET
fsr-3370	230	12	mean	mean	NOUN
fsr-3370	230	13	,	,	PUNCT
fsr-3370	230	14	provided	provide	VERB
fsr-3370	230	15	an	an	DET
fsr-3370	230	16	estimate	estimate	NOUN
fsr-3370	230	17	of	of	ADP
fsr-3370	230	18	how	how	SCONJ
fsr-3370	230	19	much	much	ADJ
fsr-3370	230	20	variation	variation	NOUN
fsr-3370	230	21	was	be	AUX
fsr-3370	230	22	needed	need	VERB
fsr-3370	230	23	to	to	PART
fsr-3370	230	24	confidently	confidently	ADV
fsr-3370	230	25	conclude	conclude	VERB
fsr-3370	230	26	that	that	SCONJ
fsr-3370	230	27	a	a	DET
fsr-3370	230	28	significant	significant	ADJ
fsr-3370	230	29	change	change	NOUN
fsr-3370	230	30	in	in	ADP
fsr-3370	230	31	a	a	DET
fsr-3370	230	32	rts	rt	NOUN
fsr-3370	230	33	had	have	AUX
fsr-3370	230	34	occurred	occur	VERB
fsr-3370	230	35	.	.	PUNCT
fsr-3370	231	1	if	if	SCONJ
fsr-3370	231	2	the	the	DET
fsr-3370	231	3	difference	difference	NOUN
fsr-3370	231	4	in	in	ADP
fsr-3370	231	5	test	test	NOUN
fsr-3370	231	6	scores	score	NOUN
fsr-3370	231	7	between	between	ADP
fsr-3370	231	8	rts_1	rts_1	NOUN
fsr-3370	231	9	and	and	CCONJ
fsr-3370	231	10	rts_2	rts_2	NOUN
fsr-3370	231	11	dropped	drop	VERB
fsr-3370	231	12	below	below	ADP
fsr-3370	231	13	the	the	DET
fsr-3370	231	14	defined	define	VERB
fsr-3370	231	15	confidence	confidence	NOUN
fsr-3370	231	16	interval	interval	NOUN
fsr-3370	231	17	,	,	PUNCT
fsr-3370	231	18	the	the	DET
fsr-3370	231	19	respondent	respondent	NOUN
fsr-3370	231	20	was	be	AUX
fsr-3370	231	21	placed	place	VERB
fsr-3370	231	22	into	into	ADP
fsr-3370	231	23	the	the	DET
fsr-3370	231	24	rts_decrease	rts_decrease	NOUN
fsr-3370	231	25	category	category	NOUN
fsr-3370	231	26	.	.	PUNCT
fsr-3370	232	1	if	if	SCONJ
fsr-3370	232	2	the	the	DET
fsr-3370	232	3	difference	difference	NOUN
fsr-3370	232	4	in	in	ADP
fsr-3370	232	5	test	test	NOUN
fsr-3370	232	6	scores	score	NOUN
fsr-3370	232	7	between	between	ADP
fsr-3370	232	8	rts_1	rts_1	NOUN
fsr-3370	232	9	and	and	CCONJ
fsr-3370	232	10	rts_2	rts_2	NOUN
fsr-3370	232	11	rose	rise	VERB
fsr-3370	232	12	above	above	ADP
fsr-3370	232	13	the	the	DET
fsr-3370	232	14	defined	define	VERB
fsr-3370	232	15	confidence	confidence	NOUN
fsr-3370	232	16	interval	interval	NOUN
fsr-3370	232	17	,	,	PUNCT
fsr-3370	232	18	the	the	DET
fsr-3370	232	19	respondent	respondent	NOUN
fsr-3370	232	20	was	be	AUX
fsr-3370	232	21	placed	place	VERB
fsr-3370	232	22	into	into	ADP
fsr-3370	232	23	the	the	DET
fsr-3370	232	24	rts_increase	rts_increase	NOUN
fsr-3370	232	25	category	category	NOUN
fsr-3370	232	26	.	.	PUNCT
fsr-3370	233	1	again	again	ADV
fsr-3370	233	2	,	,	PUNCT
fsr-3370	233	3	by	by	ADP
fsr-3370	233	4	measuring	measure	VERB
fsr-3370	233	5	respondents	respondent	NOUN
fsr-3370	233	6	at	at	ADP
fsr-3370	233	7	two	two	NUM
fsr-3370	233	8	separate	separate	ADJ
fsr-3370	233	9	times	time	NOUN
fsr-3370	233	10	,	,	PUNCT
fsr-3370	233	11	with	with	ADP
fsr-3370	233	12	months	month	NOUN
fsr-3370	233	13	and/or	and/or	CCONJ
fsr-3370	233	14	years	year	NOUN
fsr-3370	233	15	in	in	ADP
fsr-3370	233	16	between	between	ADP
fsr-3370	233	17	,	,	PUNCT
fsr-3370	233	18	and	and	CCONJ
fsr-3370	233	19	by	by	ADP
fsr-3370	233	20	combing	comb	VERB
fsr-3370	233	21	information	information	NOUN
fsr-3370	233	22	about	about	ADP
fsr-3370	233	23	time	time	NOUN
fsr-3370	233	24	periods	period	NOUN
fsr-3370	233	25	,	,	PUNCT
fsr-3370	233	26	biopsychosocial	biopsychosocial	ADJ
fsr-3370	233	27	and	and	CCONJ
fsr-3370	233	28	environmental	environmental	ADJ
fsr-3370	233	29	variables	variable	NOUN
fsr-3370	233	30	,	,	PUNCT
fsr-3370	233	31	macroeconomic	macroeconomic	ADJ
fsr-3370	233	32	factors	factor	NOUN
fsr-3370	233	33	,	,	PUNCT
fsr-3370	233	34	and	and	CCONJ
fsr-3370	233	35	social	social	ADJ
fsr-3370	233	36	support	support	NOUN
fsr-3370	233	37	,	,	PUNCT
fsr-3370	233	38	it	it	PRON
fsr-3370	233	39	was	be	AUX
fsr-3370	233	40	possible	possible	ADJ
fsr-3370	233	41	to	to	PART
fsr-3370	233	42	draw	draw	VERB
fsr-3370	233	43	conclusions	conclusion	NOUN
fsr-3370	233	44	about	about	ADP
fsr-3370	233	45	the	the	DET
fsr-3370	233	46	unique	unique	ADJ
fsr-3370	233	47	properties	property	NOUN
fsr-3370	233	48	of	of	ADP
fsr-3370	233	49	respondents	respondent	NOUN
fsr-3370	233	50	who	who	PRON
fsr-3370	233	51	exhibited	exhibit	VERB
fsr-3370	233	52	variability	variability	NOUN
fsr-3370	233	53	in	in	ADP
fsr-3370	233	54	their	their	PRON
fsr-3370	233	55	risk	risk	NOUN
fsr-3370	233	56	attitude	attitude	NOUN
fsr-3370	233	57	.	.	PUNCT
fsr-3370	234	1	4.2	4.2	NUM
fsr-3370	234	2	.	.	PUNCT
fsr-3370	235	1	independent	independent	ADJ
fsr-3370	235	2	variables	variable	NOUN
fsr-3370	235	3	six	six	NUM
fsr-3370	235	4	biopsychosocial	biopsychosocial	ADJ
fsr-3370	235	5	and	and	CCONJ
fsr-3370	235	6	environmental	environmental	ADJ
fsr-3370	235	7	variables	variable	NOUN
fsr-3370	235	8	were	be	AUX
fsr-3370	235	9	also	also	ADV
fsr-3370	235	10	recorded	record	VERB
fsr-3370	235	11	at	at	ADP
fsr-3370	235	12	the	the	DET
fsr-3370	235	13	time	time	NOUN
fsr-3370	235	14	of	of	ADP
fsr-3370	235	15	each	each	DET
fsr-3370	235	16	initial	initial	ADJ
fsr-3370	235	17	test	test	NOUN
fsr-3370	235	18	:	:	PUNCT
fsr-3370	235	19	age	age	NOUN
fsr-3370	235	20	,	,	PUNCT
fsr-3370	235	21	income	income	NOUN
fsr-3370	235	22	,	,	PUNCT
fsr-3370	235	23	net	net	ADJ
fsr-3370	235	24	worth	worth	NOUN
fsr-3370	235	25	,	,	PUNCT
fsr-3370	235	26	gender	gender	NOUN
fsr-3370	235	27	,	,	PUNCT
fsr-3370	235	28	education	education	NOUN
fsr-3370	235	29	level	level	NOUN
fsr-3370	235	30	,	,	PUNCT
fsr-3370	235	31	and	and	CCONJ
fsr-3370	235	32	marital	marital	ADJ
fsr-3370	235	33	status	status	NOUN
fsr-3370	235	34	.	.	PUNCT
fsr-3370	236	1	country	country	NOUN
fsr-3370	236	2	of	of	ADP
fsr-3370	236	3	origin	origin	NOUN
fsr-3370	236	4	,	,	PUNCT
fsr-3370	236	5	time	time	NOUN
fsr-3370	236	6	and	and	CCONJ
fsr-3370	236	7	date	date	NOUN
fsr-3370	236	8	of	of	ADP
fsr-3370	236	9	initial	initial	ADJ
fsr-3370	236	10	response	response	NOUN
fsr-3370	236	11	,	,	PUNCT
fsr-3370	236	12	and	and	CCONJ
fsr-3370	236	13	the	the	DET
fsr-3370	236	14	date	date	NOUN
fsr-3370	236	15	of	of	ADP
fsr-3370	236	16	the	the	DET
fsr-3370	236	17	follow	follow	NOUN
fsr-3370	236	18	up	up	ADP
fsr-3370	236	19	survey	survey	NOUN
fsr-3370	236	20	were	be	AUX
fsr-3370	236	21	also	also	ADV
fsr-3370	236	22	measured	measure	VERB
fsr-3370	236	23	.	.	PUNCT
fsr-3370	237	1	in	in	ADP
fsr-3370	237	2	addition	addition	NOUN
fsr-3370	237	3	to	to	ADP
fsr-3370	237	4	the	the	DET
fsr-3370	237	5	information	information	NOUN
fsr-3370	237	6	in	in	ADP
fsr-3370	237	7	the	the	DET
fsr-3370	237	8	dataset	dataset	NOUN
fsr-3370	237	9	,	,	PUNCT
fsr-3370	237	10	macroeconomic	macroeconomic	ADJ
fsr-3370	237	11	indicator	indicator	NOUN
fsr-3370	237	12	variables	variable	NOUN
fsr-3370	237	13	were	be	AUX
fsr-3370	237	14	combined	combine	VERB
fsr-3370	237	15	with	with	ADP
fsr-3370	237	16	each	each	DET
fsr-3370	237	17	sampling	sample	VERB
fsr-3370	237	18	unit	unit	NOUN
fsr-3370	237	19	based	base	VERB
fsr-3370	237	20	on	on	ADP
fsr-3370	237	21	the	the	DET
fsr-3370	237	22	date	date	NOUN
fsr-3370	237	23	of	of	ADP
fsr-3370	237	24	the	the	DET
fsr-3370	237	25	initial	initial	ADJ
fsr-3370	237	26	survey	survey	NOUN
fsr-3370	237	27	.	.	PUNCT
fsr-3370	238	1	in	in	ADP
fsr-3370	238	2	an	an	DET
fsr-3370	238	3	effort	effort	NOUN
fsr-3370	238	4	to	to	PART
fsr-3370	238	5	understand	understand	VERB
fsr-3370	238	6	what	what	PRON
fsr-3370	238	7	,	,	PUNCT
fsr-3370	238	8	if	if	SCONJ
fsr-3370	238	9	any	any	PRON
fsr-3370	238	10	,	,	PUNCT
fsr-3370	238	11	macroeconomic	macroeconomic	ADJ
fsr-3370	238	12	variables	variable	NOUN
fsr-3370	238	13	might	might	AUX
fsr-3370	238	14	influence	influence	VERB
fsr-3370	238	15	an	an	DET
fsr-3370	238	16	individual	individual	NOUN
fsr-3370	238	17	’s	’s	PART
fsr-3370	238	18	willingness	willingness	NOUN
fsr-3370	238	19	to	to	PART
fsr-3370	238	20	take	take	VERB
fsr-3370	238	21	risk	risk	NOUN
fsr-3370	238	22	,	,	PUNCT
fsr-3370	238	23	the	the	DET
fsr-3370	238	24	combined	combine	VERB
fsr-3370	238	25	dataset	dataset	NOUN
fsr-3370	238	26	allowed	allow	VERB
fsr-3370	238	27	for	for	ADP
fsr-3370	238	28	tests	test	NOUN
fsr-3370	238	29	of	of	ADP
fsr-3370	238	30	the	the	DET
fsr-3370	238	31	significance	significance	NOUN
fsr-3370	238	32	of	of	ADP
fsr-3370	238	33	global	global	ADJ
fsr-3370	238	34	macroeconomic	macroeconomic	ADJ
fsr-3370	238	35	factors	factor	NOUN
fsr-3370	238	36	.	.	PUNCT
fsr-3370	239	1	three	three	NUM
fsr-3370	239	2	macroeconomic	macroeconomic	ADJ
fsr-3370	239	3	variables	variable	NOUN
fsr-3370	239	4	were	be	AUX
fsr-3370	239	5	included	include	VERB
fsr-3370	239	6	for	for	ADP
fsr-3370	239	7	each	each	DET
fsr-3370	239	8	country	country	NOUN
fsr-3370	239	9	:	:	PUNCT
fsr-3370	239	10	unemployment	unemployment	NOUN
fsr-3370	239	11	rate	rate	NOUN
fsr-3370	239	12	,	,	PUNCT
fsr-3370	239	13	quarterly	quarterly	ADJ
fsr-3370	239	14	gdp	gdp	NOUN
fsr-3370	239	15	,	,	PUNCT
fsr-3370	239	16	and	and	CCONJ
fsr-3370	239	17	stock	stock	NOUN
fsr-3370	239	18	market	market	NOUN
fsr-3370	239	19	performance	performance	NOUN
fsr-3370	239	20	.	.	PUNCT
fsr-3370	240	1	a	a	DET
fsr-3370	240	2	fourth	fourth	ADJ
fsr-3370	240	3	macroeconomic	macroeconomic	ADJ
fsr-3370	240	4	variable	variable	NOUN
fsr-3370	240	5	was	be	AUX
fsr-3370	240	6	included	include	VERB
fsr-3370	240	7	to	to	PART
fsr-3370	240	8	account	account	VERB
fsr-3370	240	9	for	for	ADP
fsr-3370	240	10	global	global	ADJ
fsr-3370	240	11	commodity	commodity	NOUN
fsr-3370	240	12	prices	price	NOUN
fsr-3370	240	13	.	.	PUNCT
fsr-3370	241	1	in	in	ADP
fsr-3370	241	2	addition	addition	NOUN
fsr-3370	241	3	to	to	ADP
fsr-3370	241	4	country	country	NOUN
fsr-3370	241	5	specific	specific	ADJ
fsr-3370	241	6	macroeconomic	macroeconomic	ADJ
fsr-3370	241	7	variables	variable	NOUN
fsr-3370	241	8	,	,	PUNCT
fsr-3370	241	9	all	all	DET
fsr-3370	241	10	countries	country	NOUN
fsr-3370	241	11	were	be	AUX
fsr-3370	241	12	also	also	ADV
fsr-3370	241	13	combined	combine	VERB
fsr-3370	241	14	to	to	PART
fsr-3370	241	15	examine	examine	VERB
fsr-3370	241	16	the	the	DET
fsr-3370	241	17	broad	broad	ADJ
fsr-3370	241	18	global	global	ADJ
fsr-3370	241	19	trends	trend	NOUN
fsr-3370	241	20	.	.	PUNCT
fsr-3370	242	1	a	a	DET
fsr-3370	242	2	set	set	NOUN
fsr-3370	242	3	of	of	ADP
fsr-3370	242	4	global	global	ADJ
fsr-3370	242	5	variables	variable	NOUN
fsr-3370	242	6	were	be	AUX
fsr-3370	242	7	then	then	ADV
fsr-3370	242	8	used	use	VERB
fsr-3370	242	9	to	to	PART
fsr-3370	242	10	measure	measure	VERB
fsr-3370	242	11	overall	overall	ADJ
fsr-3370	242	12	and	and	CCONJ
fsr-3370	242	13	interaction	interaction	NOUN
fsr-3370	242	14	effects	effect	NOUN
fsr-3370	242	15	on	on	ADP
fsr-3370	242	16	frt	frt	NOUN
fsr-3370	242	17	.	.	PUNCT
fsr-3370	243	1	although	although	SCONJ
fsr-3370	243	2	survey	survey	NOUN
fsr-3370	243	3	responses	response	NOUN
fsr-3370	243	4	were	be	AUX
fsr-3370	243	5	collected	collect	VERB
fsr-3370	243	6	daily	daily	ADV
fsr-3370	243	7	,	,	PUNCT
fsr-3370	243	8	some	some	PRON
fsr-3370	243	9	of	of	ADP
fsr-3370	243	10	the	the	DET
fsr-3370	243	11	global	global	ADJ
fsr-3370	243	12	macroeconomic	macroeconomic	ADJ
fsr-3370	243	13	variables	variable	NOUN
fsr-3370	243	14	were	be	AUX
fsr-3370	243	15	released	release	VERB
fsr-3370	243	16	monthly	monthly	ADV
fsr-3370	243	17	or	or	CCONJ
fsr-3370	243	18	quarterly	quarterly	ADV
fsr-3370	243	19	;	;	PUNCT
fsr-3370	243	20	therefore	therefore	ADV
fsr-3370	243	21	,	,	PUNCT
fsr-3370	243	22	the	the	DET
fsr-3370	243	23	tests	test	NOUN
fsr-3370	243	24	focused	focus	VERB
fsr-3370	243	25	on	on	ADP
fsr-3370	243	26	these	these	DET
fsr-3370	243	27	broader	broad	ADJ
fsr-3370	243	28	macroeconomic	macroeconomic	ADJ
fsr-3370	243	29	data	datum	NOUN
fsr-3370	243	30	points	point	NOUN
fsr-3370	243	31	by	by	ADP
fsr-3370	243	32	matching	match	VERB
fsr-3370	243	33	data	datum	NOUN
fsr-3370	243	34	based	base	VERB
fsr-3370	243	35	on	on	ADP
fsr-3370	243	36	the	the	DET
fsr-3370	243	37	date	date	NOUN
fsr-3370	243	38	of	of	ADP
fsr-3370	243	39	the	the	DET
fsr-3370	243	40	initial	initial	ADJ
fsr-3370	243	41	assessment	assessment	NOUN
fsr-3370	243	42	.	.	PUNCT
fsr-3370	244	1	the	the	DET
fsr-3370	244	2	macroeconomic	macroeconomic	ADJ
fsr-3370	244	3	variables	variable	NOUN
fsr-3370	244	4	were	be	AUX
fsr-3370	244	5	operationalized	operationalize	VERB
fsr-3370	244	6	as	as	SCONJ
fsr-3370	244	7	follows	follow	VERB
fsr-3370	244	8	:	:	PUNCT
fsr-3370	244	9	y	y	PROPN
fsr-3370	244	10	united	united	PROPN
fsr-3370	244	11	states	states	PROPN
fsr-3370	244	12	gross	gross	ADJ
fsr-3370	244	13	domestic	domestic	ADJ
fsr-3370	244	14	product	product	NOUN
fsr-3370	244	15	(	(	PUNCT
fsr-3370	244	16	gdp	gdp	NOUN
fsr-3370	244	17	):	):	PUNCT
fsr-3370	244	18	reported	report	VERB
fsr-3370	244	19	quarterly	quarterly	ADV
fsr-3370	244	20	,	,	PUNCT
fsr-3370	244	21	the	the	DET
fsr-3370	244	22	range	range	NOUN
fsr-3370	244	23	of	of	ADP
fsr-3370	244	24	us	us	PROPN
fsr-3370	244	25	gdp	gdp	NOUN
fsr-3370	244	26	was	be	AUX
fsr-3370	244	27	measured	measure	VERB
fsr-3370	244	28	using	use	VERB
fsr-3370	244	29	data	datum	NOUN
fsr-3370	244	30	from	from	ADP
fsr-3370	244	31	the	the	DET
fsr-3370	244	32	bureau	bureau	NOUN
fsr-3370	244	33	of	of	ADP
fsr-3370	244	34	economic	economic	ADJ
fsr-3370	244	35	analysis	analysis	NOUN
fsr-3370	244	36	.	.	PUNCT
fsr-3370	245	1	the	the	DET
fsr-3370	245	2	range	range	NOUN
fsr-3370	245	3	of	of	ADP
fsr-3370	245	4	gdp	gdp	NOUN
fsr-3370	245	5	from	from	ADP
fsr-3370	245	6	2010	2010	NUM
fsr-3370	245	7	to	to	ADP
fsr-3370	245	8	2015	2015	NUM
fsr-3370	245	9	was	be	AUX
fsr-3370	245	10	$	$	SYM
fsr-3370	245	11	14.7	14.7	NUM
fsr-3370	245	12	trillion	trillion	NUM
fsr-3370	245	13	to	to	PART
fsr-3370	245	14	$	$	SYM
fsr-3370	245	15	18.1	18.1	NUM
fsr-3370	245	16	trillion	trillion	NUM
fsr-3370	245	17	,	,	PUNCT
fsr-3370	245	18	with	with	ADP
fsr-3370	245	19	a	a	DET
fsr-3370	245	20	mean	mean	NOUN
fsr-3370	245	21	of	of	ADP
fsr-3370	245	22	$	$	SYM
fsr-3370	245	23	16.4	16.4	NUM
fsr-3370	245	24	trillion	trillion	NUM
fsr-3370	245	25	.	.	PUNCT
fsr-3370	246	1	y	y	PROPN
fsr-3370	246	2	australia	australia	PROPN
fsr-3370	246	3	gdp	gdp	PROPN
fsr-3370	246	4	:	:	PUNCT
fsr-3370	246	5	measured	measure	VERB
fsr-3370	246	6	in	in	ADP
fsr-3370	246	7	millions	million	NOUN
fsr-3370	246	8	of	of	ADP
fsr-3370	246	9	us	us	PROPN
fsr-3370	246	10	dollars	dollar	NOUN
fsr-3370	246	11	,	,	PUNCT
fsr-3370	246	12	the	the	DET
fsr-3370	246	13	total	total	ADJ
fsr-3370	246	14	annual	annual	ADJ
fsr-3370	246	15	gdp	gdp	NOUN
fsr-3370	246	16	ranged	range	VERB
fsr-3370	246	17	from	from	ADP
fsr-3370	246	18	326	326	NUM
fsr-3370	246	19	s.	s.	PROPN
fsr-3370	246	20	kuzniak	kuzniak	PROPN
fsr-3370	246	21	,	,	PUNCT
fsr-3370	246	22	j.e	j.e	PROPN
fsr-3370	246	23	.	.	PROPN
fsr-3370	246	24	grable	grable	PROPN
fsr-3370	246	25	/	/	SYM
fsr-3370	246	26	financial	financial	ADJ
fsr-3370	246	27	services	service	NOUN
fsr-3370	246	28	review	review	VERB
fsr-3370	246	29	26	26	NUM
fsr-3370	246	30	(	(	PUNCT
fsr-3370	246	31	2017	2017	NUM
fsr-3370	246	32	)	)	PUNCT
fsr-3370	246	33	315–338	315–338	NUM
fsr-3370	246	34	$	$	SYM
fsr-3370	246	35	1.34	1.34	NUM
fsr-3370	246	36	trillion	trillion	NUM
fsr-3370	246	37	(	(	PUNCT
fsr-3370	246	38	$	$	SYM
fsr-3370	246	39	1.43	1.43	NUM
fsr-3370	246	40	trillion	trillion	NUM
fsr-3370	246	41	aud	aud	NOUN
fsr-3370	246	42	)	)	PUNCT
fsr-3370	246	43	to	to	ADP
fsr-3370	246	44	$	$	SYM
fsr-3370	246	45	1.55	1.55	NUM
fsr-3370	246	46	trillion	trillion	NUM
fsr-3370	246	47	(	(	PUNCT
fsr-3370	246	48	$	$	SYM
fsr-3370	246	49	1.65	1.65	NUM
fsr-3370	246	50	trillion	trillion	NUM
fsr-3370	246	51	aud	aud	NOUN
fsr-3370	246	52	)	)	PUNCT
fsr-3370	246	53	with	with	ADP
fsr-3370	246	54	a	a	DET
fsr-3370	246	55	mean	mean	NOUN
fsr-3370	246	56	of	of	ADP
fsr-3370	246	57	$	$	SYM
fsr-3370	246	58	1.45	1.45	NUM
fsr-3370	246	59	trillion	trillion	NUM
fsr-3370	246	60	(	(	PUNCT
fsr-3370	246	61	$	$	SYM
fsr-3370	246	62	1.54	1.54	NUM
fsr-3370	246	63	trillion	trillion	NUM
fsr-3370	246	64	aud	aud	NOUN
fsr-3370	246	65	)	)	PUNCT
fsr-3370	246	66	.	.	PUNCT
fsr-3370	247	1	y	y	PROPN
fsr-3370	247	2	united	united	PROPN
fsr-3370	247	3	kingdom	kingdom	PROPN
fsr-3370	247	4	gdp	gdp	PROPN
fsr-3370	247	5	:	:	PUNCT
fsr-3370	247	6	measured	measure	VERB
fsr-3370	247	7	in	in	ADP
fsr-3370	247	8	us	us	PROPN
fsr-3370	247	9	dollars	dollar	NOUN
fsr-3370	247	10	,	,	PUNCT
fsr-3370	247	11	the	the	DET
fsr-3370	247	12	chained	chain	VERB
fsr-3370	247	13	volume	volume	NOUN
fsr-3370	247	14	measures	measure	NOUN
fsr-3370	247	15	were	be	AUX
fsr-3370	247	16	reported	report	VERB
fsr-3370	247	17	in	in	ADP
fsr-3370	247	18	trillions	trillion	NOUN
fsr-3370	247	19	.	.	PUNCT
fsr-3370	248	1	the	the	DET
fsr-3370	248	2	annual	annual	ADJ
fsr-3370	248	3	range	range	NOUN
fsr-3370	248	4	of	of	ADP
fsr-3370	248	5	gdp	gdp	NOUN
fsr-3370	248	6	from	from	ADP
fsr-3370	248	7	2010	2010	NUM
fsr-3370	248	8	to	to	ADP
fsr-3370	248	9	2015	2015	NUM
fsr-3370	248	10	was	be	AUX
fsr-3370	248	11	$	$	SYM
fsr-3370	248	12	2.53	2.53	NUM
fsr-3370	248	13	trillion	trillion	NUM
fsr-3370	248	14	(	(	PUNCT
fsr-3370	248	15	£	£	SYM
fsr-3370	248	16	1.60	1.60	NUM
fsr-3370	248	17	trillion	trillion	NUM
fsr-3370	248	18	)	)	PUNCT
fsr-3370	248	19	to	to	ADP
fsr-3370	248	20	$	$	SYM
fsr-3370	248	21	2.83	2.83	NUM
fsr-3370	248	22	trillion	trillion	NUM
fsr-3370	248	23	(	(	PUNCT
fsr-3370	248	24	£	£	SYM
fsr-3370	248	25	1.79	1.79	NUM
fsr-3370	248	26	trillion	trillion	NUM
fsr-3370	248	27	)	)	PUNCT
fsr-3370	248	28	,	,	PUNCT
fsr-3370	248	29	with	with	ADP
fsr-3370	248	30	a	a	DET
fsr-3370	248	31	mean	mean	NOUN
fsr-3370	248	32	of	of	ADP
fsr-3370	248	33	$	$	SYM
fsr-3370	248	34	2.67	2.67	NUM
fsr-3370	248	35	trillion	trillion	NUM
fsr-3370	248	36	(	(	PUNCT
fsr-3370	248	37	£	£	SYM
fsr-3370	248	38	1.69	1.69	NUM
fsr-3370	248	39	trillion	trillion	NUM
fsr-3370	248	40	)	)	PUNCT
fsr-3370	248	41	.	.	PUNCT
fsr-3370	249	1	y	y	PROPN
fsr-3370	249	2	united	united	PROPN
fsr-3370	249	3	states	states	PROPN
fsr-3370	249	4	unemployment	unemployment	NOUN
fsr-3370	249	5	rate	rate	NOUN
fsr-3370	249	6	:	:	PUNCT
fsr-3370	249	7	the	the	DET
fsr-3370	249	8	us	us	PROPN
fsr-3370	249	9	bureau	bureau	PROPN
fsr-3370	249	10	of	of	ADP
fsr-3370	249	11	labor	labor	PROPN
fsr-3370	249	12	statistics	statistic	NOUN
fsr-3370	249	13	produces	produce	VERB
fsr-3370	249	14	a	a	DET
fsr-3370	249	15	monthly	monthly	ADJ
fsr-3370	249	16	account	account	NOUN
fsr-3370	249	17	of	of	ADP
fsr-3370	249	18	individuals	individual	NOUN
fsr-3370	249	19	defined	define	VERB
fsr-3370	249	20	as	as	ADP
fsr-3370	249	21	the	the	DET
fsr-3370	249	22	percentage	percentage	NOUN
fsr-3370	249	23	of	of	ADP
fsr-3370	249	24	the	the	DET
fsr-3370	249	25	labor	labor	NOUN
fsr-3370	249	26	force	force	NOUN
fsr-3370	249	27	that	that	PRON
fsr-3370	249	28	is	be	AUX
fsr-3370	249	29	unemployed	unemployed	ADJ
fsr-3370	249	30	but	but	CCONJ
fsr-3370	249	31	actively	actively	ADV
fsr-3370	249	32	seeking	seek	VERB
fsr-3370	249	33	and	and	CCONJ
fsr-3370	249	34	willing	willing	ADJ
fsr-3370	249	35	to	to	PART
fsr-3370	249	36	work	work	VERB
fsr-3370	249	37	.	.	PUNCT
fsr-3370	250	1	the	the	DET
fsr-3370	250	2	estimate	estimate	NOUN
fsr-3370	250	3	was	be	AUX
fsr-3370	250	4	used	use	VERB
fsr-3370	250	5	in	in	ADP
fsr-3370	250	6	this	this	DET
fsr-3370	250	7	study	study	NOUN
fsr-3370	250	8	.	.	PUNCT
fsr-3370	251	1	y	y	PROPN
fsr-3370	251	2	australia	australia	PROPN
fsr-3370	251	3	unemployment	unemployment	NOUN
fsr-3370	251	4	rate	rate	NOUN
fsr-3370	251	5	:	:	PUNCT
fsr-3370	251	6	data	datum	NOUN
fsr-3370	251	7	from	from	ADP
fsr-3370	251	8	the	the	DET
fsr-3370	251	9	australian	australian	ADJ
fsr-3370	251	10	bureau	bureau	NOUN
fsr-3370	251	11	of	of	ADP
fsr-3370	251	12	statistics	statistic	NOUN
fsr-3370	251	13	evaluating	evaluate	VERB
fsr-3370	251	14	the	the	DET
fsr-3370	251	15	monthly	monthly	ADJ
fsr-3370	251	16	unemployment	unemployment	NOUN
fsr-3370	251	17	rate	rate	NOUN
fsr-3370	251	18	was	be	AUX
fsr-3370	251	19	used	use	VERB
fsr-3370	251	20	.	.	PUNCT
fsr-3370	252	1	the	the	DET
fsr-3370	252	2	australian	australian	ADJ
fsr-3370	252	3	unemployment	unemployment	NOUN
fsr-3370	252	4	rate	rate	NOUN
fsr-3370	252	5	measures	measure	VERB
fsr-3370	252	6	the	the	DET
fsr-3370	252	7	number	number	NOUN
fsr-3370	252	8	of	of	ADP
fsr-3370	252	9	people	people	NOUN
fsr-3370	252	10	actively	actively	ADV
fsr-3370	252	11	looking	look	VERB
fsr-3370	252	12	for	for	ADP
fsr-3370	252	13	a	a	DET
fsr-3370	252	14	job	job	NOUN
fsr-3370	252	15	as	as	ADP
fsr-3370	252	16	a	a	DET
fsr-3370	252	17	percentage	percentage	NOUN
fsr-3370	252	18	of	of	ADP
fsr-3370	252	19	the	the	DET
fsr-3370	252	20	labor	labor	NOUN
fsr-3370	252	21	force	force	NOUN
fsr-3370	252	22	.	.	PUNCT
fsr-3370	253	1	y	y	PROPN
fsr-3370	253	2	united	united	PROPN
fsr-3370	253	3	kingdom	kingdom	PROPN
fsr-3370	253	4	unemployment	unemployment	NOUN
fsr-3370	253	5	rate	rate	NOUN
fsr-3370	253	6	:	:	PUNCT
fsr-3370	253	7	data	datum	NOUN
fsr-3370	253	8	from	from	ADP
fsr-3370	253	9	the	the	DET
fsr-3370	253	10	united	united	PROPN
fsr-3370	253	11	kingdom	kingdom	PROPN
fsr-3370	253	12	office	office	PROPN
fsr-3370	253	13	for	for	ADP
fsr-3370	253	14	national	national	ADJ
fsr-3370	253	15	statistics	statistic	NOUN
fsr-3370	253	16	were	be	AUX
fsr-3370	253	17	used	use	VERB
fsr-3370	253	18	based	base	VERB
fsr-3370	253	19	on	on	ADP
fsr-3370	253	20	the	the	DET
fsr-3370	253	21	monthly	monthly	ADJ
fsr-3370	253	22	unemployment	unemployment	NOUN
fsr-3370	253	23	rate	rate	NOUN
fsr-3370	253	24	(	(	PUNCT
fsr-3370	253	25	seasonally	seasonally	ADV
fsr-3370	253	26	adjusted	adjust	VERB
fsr-3370	253	27	for	for	ADP
fsr-3370	253	28	all	all	PRON
fsr-3370	253	29	)	)	PUNCT
fsr-3370	253	30	.	.	PUNCT
fsr-3370	254	1	the	the	DET
fsr-3370	254	2	united	united	PROPN
fsr-3370	254	3	kingdom	kingdom	PROPN
fsr-3370	254	4	unemployment	unemployment	NOUN
fsr-3370	254	5	rate	rate	NOUN
fsr-3370	254	6	is	be	AUX
fsr-3370	254	7	defined	define	VERB
fsr-3370	254	8	as	as	ADP
fsr-3370	254	9	individuals	individual	NOUN
fsr-3370	254	10	currently	currently	ADV
fsr-3370	254	11	unemployed	unemployed	ADJ
fsr-3370	254	12	,	,	PUNCT
fsr-3370	254	13	but	but	CCONJ
fsr-3370	254	14	have	have	AUX
fsr-3370	254	15	actively	actively	ADV
fsr-3370	254	16	been	be	AUX
fsr-3370	254	17	seeking	seek	VERB
fsr-3370	254	18	work	work	NOUN
fsr-3370	254	19	in	in	ADP
fsr-3370	254	20	the	the	DET
fsr-3370	254	21	past	past	ADJ
fsr-3370	254	22	four	four	NUM
fsr-3370	254	23	weeks	week	NOUN
fsr-3370	254	24	and	and	CCONJ
fsr-3370	254	25	are	be	AUX
fsr-3370	254	26	available	available	ADJ
fsr-3370	254	27	to	to	PART
fsr-3370	254	28	begin	begin	VERB
fsr-3370	254	29	a	a	DET
fsr-3370	254	30	job	job	NOUN
fsr-3370	254	31	within	within	ADP
fsr-3370	254	32	the	the	DET
fsr-3370	254	33	next	next	ADJ
fsr-3370	254	34	two	two	NUM
fsr-3370	254	35	weeks	week	NOUN
fsr-3370	254	36	.	.	PUNCT
fsr-3370	255	1	y	y	PROPN
fsr-3370	255	2	us	us	PROPN
fsr-3370	255	3	stock	stock	PROPN
fsr-3370	255	4	market	market	NOUN
fsr-3370	255	5	index	index	NOUN
fsr-3370	255	6	:	:	PUNCT
fsr-3370	255	7	to	to	PART
fsr-3370	255	8	obtain	obtain	VERB
fsr-3370	255	9	an	an	DET
fsr-3370	255	10	idea	idea	NOUN
fsr-3370	255	11	of	of	ADP
fsr-3370	255	12	general	general	ADJ
fsr-3370	255	13	equity	equity	NOUN
fsr-3370	255	14	market	market	NOUN
fsr-3370	255	15	conditions	condition	NOUN
fsr-3370	255	16	,	,	PUNCT
fsr-3370	255	17	the	the	DET
fsr-3370	255	18	composite	composite	ADJ
fsr-3370	255	19	standard	standard	PROPN
fsr-3370	255	20	&	&	CCONJ
fsr-3370	255	21	poor	poor	PROPN
fsr-3370	255	22	’s	’s	PART
fsr-3370	255	23	(	(	PUNCT
fsr-3370	255	24	s&p	s&p	PROPN
fsr-3370	255	25	)	)	PUNCT
fsr-3370	255	26	500	500	NUM
fsr-3370	255	27	was	be	AUX
fsr-3370	255	28	used	use	VERB
fsr-3370	255	29	in	in	ADP
fsr-3370	255	30	this	this	DET
fsr-3370	255	31	study	study	NOUN
fsr-3370	255	32	.	.	PUNCT
fsr-3370	256	1	the	the	DET
fsr-3370	256	2	s&p	s&p	PROPN
fsr-3370	256	3	500	500	NUM
fsr-3370	256	4	is	be	AUX
fsr-3370	256	5	a	a	DET
fsr-3370	256	6	market	market	NOUN
fsr-3370	256	7	capitalization	capitalization	NOUN
fsr-3370	256	8	based	base	VERB
fsr-3370	256	9	index	index	NOUN
fsr-3370	256	10	of	of	ADP
fsr-3370	256	11	the	the	DET
fsr-3370	256	12	500	500	NUM
fsr-3370	256	13	largest	large	ADJ
fsr-3370	256	14	companies	company	NOUN
fsr-3370	256	15	listed	list	VERB
fsr-3370	256	16	on	on	ADP
fsr-3370	256	17	the	the	DET
fsr-3370	256	18	new	new	PROPN
fsr-3370	256	19	york	york	PROPN
fsr-3370	256	20	stock	stock	PROPN
fsr-3370	256	21	exchange	exchange	PROPN
fsr-3370	256	22	(	(	PUNCT
fsr-3370	256	23	nyse	nyse	PROPN
fsr-3370	256	24	)	)	PUNCT
fsr-3370	256	25	or	or	CCONJ
fsr-3370	256	26	nasdaq	nasdaq	PROPN
fsr-3370	256	27	.	.	PUNCT
fsr-3370	257	1	y	y	PROPN
fsr-3370	257	2	australia	australia	PROPN
fsr-3370	257	3	stock	stock	PROPN
fsr-3370	257	4	market	market	NOUN
fsr-3370	257	5	index	index	NOUN
fsr-3370	257	6	:	:	PUNCT
fsr-3370	257	7	in	in	ADP
fsr-3370	257	8	april	april	PROPN
fsr-3370	257	9	of	of	ADP
fsr-3370	257	10	2000	2000	NUM
fsr-3370	257	11	,	,	PUNCT
fsr-3370	257	12	the	the	DET
fsr-3370	257	13	asx	asx	NOUN
fsr-3370	257	14	200	200	NUM
fsr-3370	257	15	became	become	VERB
fsr-3370	257	16	the	the	DET
fsr-3370	257	17	primary	primary	ADJ
fsr-3370	257	18	investment	investment	NOUN
fsr-3370	257	19	benchmark	benchmark	NOUN
fsr-3370	257	20	for	for	ADP
fsr-3370	257	21	the	the	DET
fsr-3370	257	22	australian	australian	ADJ
fsr-3370	257	23	market	market	NOUN
fsr-3370	257	24	.	.	PUNCT
fsr-3370	258	1	the	the	DET
fsr-3370	258	2	asx	asx	NOUN
fsr-3370	258	3	accounts	account	VERB
fsr-3370	258	4	for	for	ADP
fsr-3370	258	5	70	70	NUM
fsr-3370	258	6	%	%	NOUN
fsr-3370	258	7	of	of	ADP
fsr-3370	258	8	the	the	DET
fsr-3370	258	9	equity	equity	NOUN
fsr-3370	258	10	market	market	NOUN
fsr-3370	258	11	.	.	PUNCT
fsr-3370	259	1	the	the	DET
fsr-3370	259	2	index	index	NOUN
fsr-3370	259	3	contains	contain	VERB
fsr-3370	259	4	the	the	DET
fsr-3370	259	5	top	top	ADJ
fsr-3370	259	6	200	200	NUM
fsr-3370	259	7	listed	list	VERB
fsr-3370	259	8	companies	company	NOUN
fsr-3370	259	9	by	by	ADP
fsr-3370	259	10	way	way	NOUN
fsr-3370	259	11	of	of	ADP
fsr-3370	259	12	floatadjusted	floatadjuste	VERB
fsr-3370	259	13	market	market	NOUN
fsr-3370	259	14	capitalism	capitalism	NOUN
fsr-3370	259	15	.	.	PUNCT
fsr-3370	260	1	the	the	DET
fsr-3370	260	2	asx	asx	NOUN
fsr-3370	260	3	200	200	NUM
fsr-3370	260	4	index	index	NOUN
fsr-3370	260	5	was	be	AUX
fsr-3370	260	6	used	use	VERB
fsr-3370	260	7	to	to	PART
fsr-3370	260	8	measure	measure	VERB
fsr-3370	260	9	the	the	DET
fsr-3370	260	10	australia	australia	PROPN
fsr-3370	260	11	equity	equity	NOUN
fsr-3370	260	12	market	market	NOUN
fsr-3370	260	13	(	(	PUNCT
fsr-3370	260	14	denominated	denominate	VERB
fsr-3370	260	15	in	in	ADP
fsr-3370	260	16	australian	australian	ADJ
fsr-3370	260	17	dollars	dollar	NOUN
fsr-3370	260	18	)	)	PUNCT
fsr-3370	260	19	.	.	PUNCT
fsr-3370	261	1	y	y	PROPN
fsr-3370	261	2	united	united	PROPN
fsr-3370	261	3	kingdom	kingdom	PROPN
fsr-3370	261	4	stock	stock	PROPN
fsr-3370	261	5	market	market	NOUN
fsr-3370	261	6	index	index	NOUN
fsr-3370	261	7	:	:	PUNCT
fsr-3370	261	8	the	the	DET
fsr-3370	261	9	ftse	ftse	PROPN
fsr-3370	261	10	350	350	NUM
fsr-3370	261	11	index	index	NOUN
fsr-3370	261	12	is	be	AUX
fsr-3370	261	13	a	a	DET
fsr-3370	261	14	market	market	NOUN
fsr-3370	261	15	capitalization	capitalization	NOUN
fsr-3370	261	16	weighted	weight	VERB
fsr-3370	261	17	stock	stock	NOUN
fsr-3370	261	18	market	market	NOUN
fsr-3370	261	19	index	index	NOUN
fsr-3370	261	20	composed	compose	VERB
fsr-3370	261	21	of	of	ADP
fsr-3370	261	22	the	the	DET
fsr-3370	261	23	largest	large	ADJ
fsr-3370	261	24	350	350	NUM
fsr-3370	261	25	companies	company	NOUN
fsr-3370	261	26	whose	whose	DET
fsr-3370	261	27	primary	primary	ADJ
fsr-3370	261	28	listing	listing	NOUN
fsr-3370	261	29	is	be	AUX
fsr-3370	261	30	based	base	VERB
fsr-3370	261	31	on	on	ADP
fsr-3370	261	32	the	the	DET
fsr-3370	261	33	london	london	PROPN
fsr-3370	261	34	stock	stock	NOUN
fsr-3370	261	35	exchange	exchange	NOUN
fsr-3370	261	36	.	.	PUNCT
fsr-3370	262	1	the	the	DET
fsr-3370	262	2	ftse	ftse	PROPN
fsr-3370	262	3	350	350	NUM
fsr-3370	262	4	index	index	NOUN
fsr-3370	262	5	was	be	AUX
fsr-3370	262	6	used	use	VERB
fsr-3370	262	7	to	to	PART
fsr-3370	262	8	measure	measure	VERB
fsr-3370	262	9	the	the	DET
fsr-3370	262	10	uk	uk	PROPN
fsr-3370	262	11	equity	equity	NOUN
fsr-3370	262	12	market	market	NOUN
fsr-3370	262	13	(	(	PUNCT
fsr-3370	262	14	denominated	denominate	VERB
fsr-3370	262	15	in	in	ADP
fsr-3370	262	16	british	british	ADJ
fsr-3370	262	17	pounds	pound	NOUN
fsr-3370	262	18	)	)	PUNCT
fsr-3370	262	19	.	.	PUNCT
fsr-3370	263	1	y	y	PROPN
fsr-3370	263	2	global	global	ADJ
fsr-3370	263	3	commodities	commodity	NOUN
fsr-3370	263	4	index	index	NOUN
fsr-3370	263	5	:	:	PUNCT
fsr-3370	263	6	although	although	SCONJ
fsr-3370	263	7	given	give	VERB
fsr-3370	263	8	less	less	ADJ
fsr-3370	263	9	attention	attention	NOUN
fsr-3370	263	10	than	than	ADP
fsr-3370	263	11	equity	equity	NOUN
fsr-3370	263	12	markets	market	NOUN
fsr-3370	263	13	,	,	PUNCT
fsr-3370	263	14	commodity	commodity	NOUN
fsr-3370	263	15	markets	market	NOUN
fsr-3370	263	16	are	be	AUX
fsr-3370	263	17	aggressively	aggressively	ADV
fsr-3370	263	18	traded	trade	VERB
fsr-3370	263	19	internationally	internationally	ADV
fsr-3370	263	20	and	and	CCONJ
fsr-3370	263	21	many	many	ADJ
fsr-3370	263	22	countries	country	NOUN
fsr-3370	263	23	(	(	PUNCT
fsr-3370	263	24	e.g.	e.g.	ADV
fsr-3370	263	25	,	,	PUNCT
fsr-3370	263	26	australia	australia	PROPN
fsr-3370	263	27	,	,	PUNCT
fsr-3370	263	28	saudi	saudi	PROPN
fsr-3370	263	29	arabia	arabia	PROPN
fsr-3370	263	30	,	,	PUNCT
fsr-3370	263	31	russia	russia	PROPN
fsr-3370	263	32	,	,	PUNCT
fsr-3370	263	33	and	and	CCONJ
fsr-3370	263	34	brazil	brazil	PROPN
fsr-3370	263	35	)	)	PUNCT
fsr-3370	263	36	have	have	VERB
fsr-3370	263	37	commodity	commodity	NOUN
fsr-3370	263	38	intensive	intensive	ADJ
fsr-3370	263	39	domestic	domestic	ADJ
fsr-3370	263	40	markets	market	NOUN
fsr-3370	263	41	.	.	PUNCT
fsr-3370	264	1	the	the	DET
fsr-3370	264	2	green	green	PROPN
fsr-3370	264	3	haven	haven	PROPN
fsr-3370	264	4	continuous	continuous	ADJ
fsr-3370	264	5	commodity	commodity	NOUN
fsr-3370	264	6	index	index	NOUN
fsr-3370	264	7	(	(	PUNCT
fsr-3370	264	8	cci	cci	PROPN
fsr-3370	264	9	)	)	PUNCT
fsr-3370	264	10	fund	fund	NOUN
fsr-3370	264	11	provides	provide	VERB
fsr-3370	264	12	a	a	DET
fsr-3370	264	13	broad	broad	ADJ
fsr-3370	264	14	based	base	VERB
fsr-3370	264	15	,	,	PUNCT
fsr-3370	264	16	diversified	diversify	VERB
fsr-3370	264	17	commodity	commodity	NOUN
fsr-3370	264	18	basket	basket	NOUN
fsr-3370	264	19	that	that	PRON
fsr-3370	264	20	can	can	AUX
fsr-3370	264	21	be	be	AUX
fsr-3370	264	22	used	use	VERB
fsr-3370	264	23	as	as	ADP
fsr-3370	264	24	a	a	DET
fsr-3370	264	25	proxy	proxy	NOUN
fsr-3370	264	26	for	for	ADP
fsr-3370	264	27	commodity	commodity	NOUN
fsr-3370	264	28	performance	performance	NOUN
fsr-3370	264	29	.	.	PUNCT
fsr-3370	265	1	the	the	DET
fsr-3370	265	2	cci	cci	PROPN
fsr-3370	265	3	uses	use	VERB
fsr-3370	265	4	an	an	DET
fsr-3370	265	5	index	index	NOUN
fsr-3370	265	6	of	of	ADP
fsr-3370	265	7	17	17	NUM
fsr-3370	265	8	commodity	commodity	NOUN
fsr-3370	265	9	groups	group	NOUN
fsr-3370	265	10	including	include	VERB
fsr-3370	265	11	grains	grain	NOUN
fsr-3370	265	12	,	,	PUNCT
fsr-3370	265	13	energy	energy	NOUN
fsr-3370	265	14	,	,	PUNCT
fsr-3370	265	15	precious	precious	ADJ
fsr-3370	265	16	metals	metal	NOUN
fsr-3370	265	17	,	,	PUNCT
fsr-3370	265	18	cash	cash	NOUN
fsr-3370	265	19	,	,	PUNCT
fsr-3370	265	20	and	and	CCONJ
fsr-3370	265	21	government	government	NOUN
fsr-3370	265	22	treasury	treasury	NOUN
fsr-3370	265	23	securities	security	NOUN
fsr-3370	265	24	.	.	PUNCT
fsr-3370	266	1	the	the	DET
fsr-3370	266	2	trajectory	trajectory	NOUN
fsr-3370	266	3	of	of	ADP
fsr-3370	266	4	the	the	DET
fsr-3370	266	5	global	global	ADJ
fsr-3370	266	6	index	index	NOUN
fsr-3370	266	7	was	be	AUX
fsr-3370	266	8	used	use	VERB
fsr-3370	266	9	as	as	ADP
fsr-3370	266	10	an	an	DET
fsr-3370	266	11	indicator	indicator	NOUN
fsr-3370	266	12	for	for	ADP
fsr-3370	266	13	the	the	DET
fsr-3370	266	14	general	general	ADJ
fsr-3370	266	15	supply	supply	NOUN
fsr-3370	266	16	,	,	PUNCT
fsr-3370	266	17	demand	demand	NOUN
fsr-3370	266	18	,	,	PUNCT
fsr-3370	266	19	and	and	CCONJ
fsr-3370	266	20	pricing	pricing	NOUN
fsr-3370	266	21	of	of	ADP
fsr-3370	266	22	global	global	ADJ
fsr-3370	266	23	commodity	commodity	NOUN
fsr-3370	266	24	markets	market	NOUN
fsr-3370	266	25	.	.	PUNCT
fsr-3370	267	1	although	although	SCONJ
fsr-3370	267	2	traded	trade	VERB
fsr-3370	267	3	daily	daily	ADV
fsr-3370	267	4	,	,	PUNCT
fsr-3370	267	5	a	a	DET
fsr-3370	267	6	month	month	NOUN
fsr-3370	267	7	average	average	NOUN
fsr-3370	267	8	was	be	AUX
fsr-3370	267	9	calculated	calculate	VERB
fsr-3370	267	10	and	and	CCONJ
fsr-3370	267	11	matched	match	VERB
fsr-3370	267	12	with	with	ADP
fsr-3370	267	13	test	test	NOUN
fsr-3370	267	14	score	score	NOUN
fsr-3370	267	15	dates	date	NOUN
fsr-3370	267	16	to	to	PART
fsr-3370	267	17	provide	provide	VERB
fsr-3370	267	18	a	a	DET
fsr-3370	267	19	measure	measure	NOUN
fsr-3370	267	20	of	of	ADP
fsr-3370	267	21	commodity	commodity	NOUN
fsr-3370	267	22	market	market	NOUN
fsr-3370	267	23	activity	activity	NOUN
fsr-3370	267	24	.	.	PUNCT
fsr-3370	268	1	y	y	PROPN
fsr-3370	268	2	composite	composite	ADJ
fsr-3370	268	3	gross	gross	ADJ
fsr-3370	268	4	domestic	domestic	ADJ
fsr-3370	268	5	product	product	NOUN
fsr-3370	268	6	:	:	PUNCT
fsr-3370	268	7	to	to	PART
fsr-3370	268	8	obtain	obtain	VERB
fsr-3370	268	9	a	a	DET
fsr-3370	268	10	global	global	ADJ
fsr-3370	268	11	perspective	perspective	NOUN
fsr-3370	268	12	on	on	ADP
fsr-3370	268	13	domestic	domestic	ADJ
fsr-3370	268	14	productions	production	NOUN
fsr-3370	268	15	’	'	PUNCT
fsr-3370	268	16	relationship	relationship	NOUN
fsr-3370	268	17	to	to	ADP
fsr-3370	268	18	frt	frt	NOUN
fsr-3370	268	19	,	,	PUNCT
fsr-3370	268	20	a	a	DET
fsr-3370	268	21	weighted	weight	VERB
fsr-3370	268	22	composite	composite	ADJ
fsr-3370	268	23	model	model	NOUN
fsr-3370	268	24	was	be	AUX
fsr-3370	268	25	developed	develop	VERB
fsr-3370	268	26	.	.	PUNCT
fsr-3370	269	1	using	use	VERB
fsr-3370	269	2	327s	327s	PROPN
fsr-3370	269	3	.	.	PUNCT
fsr-3370	270	1	kuzniak	kuzniak	PROPN
fsr-3370	270	2	,	,	PUNCT
fsr-3370	270	3	j.e	j.e	PROPN
fsr-3370	270	4	.	.	PROPN
fsr-3370	270	5	grable	grable	PROPN
fsr-3370	270	6	/	/	SYM
fsr-3370	270	7	financial	financial	ADJ
fsr-3370	270	8	services	service	NOUN
fsr-3370	270	9	review	review	VERB
fsr-3370	270	10	26	26	NUM
fsr-3370	270	11	(	(	PUNCT
fsr-3370	270	12	2017	2017	NUM
fsr-3370	270	13	)	)	PUNCT
fsr-3370	270	14	315–338	315–338	NUM
fsr-3370	270	15	weighted	weight	VERB
fsr-3370	270	16	averages	average	NOUN
fsr-3370	270	17	from	from	ADP
fsr-3370	270	18	the	the	DET
fsr-3370	270	19	three	three	NUM
fsr-3370	270	20	countries	country	NOUN
fsr-3370	270	21	represented	represent	VERB
fsr-3370	270	22	in	in	ADP
fsr-3370	270	23	the	the	DET
fsr-3370	270	24	sample	sample	NOUN
fsr-3370	270	25	,	,	PUNCT
fsr-3370	270	26	a	a	DET
fsr-3370	270	27	global	global	ADJ
fsr-3370	270	28	gdp	gdp	NOUN
fsr-3370	270	29	variable	variable	NOUN
fsr-3370	270	30	was	be	AUX
fsr-3370	270	31	created	create	VERB
fsr-3370	270	32	.	.	PUNCT
fsr-3370	271	1	the	the	DET
fsr-3370	271	2	formula	formula	NOUN
fsr-3370	271	3	below	below	ADV
fsr-3370	271	4	was	be	AUX
fsr-3370	271	5	used	use	VERB
fsr-3370	271	6	for	for	ADP
fsr-3370	271	7	the	the	DET
fsr-3370	271	8	calculation	calculation	NOUN
fsr-3370	271	9	:	:	PUNCT
fsr-3370	271	10	gdp	gdp	PROPN
fsr-3370	271	11	�	�	PROPN
fsr-3370	271	12	us_gdp	us_gdp	PROPN
fsr-3370	271	13	us_gdp	us_gdp	PROPN
fsr-3370	271	14	�	�	PROPN
fsr-3370	271	15	uk_gdp	uk_gdp	PROPN
fsr-3370	271	16	�	�	PROPN
fsr-3370	271	17	au_gdp	au_gdp	PROPN
fsr-3370	271	18	�	�	PROPN
fsr-3370	271	19	usgdp	usgdp	PROPN
fsr-3370	271	20	�	�	PROPN
fsr-3370	271	21	ukgdp	ukgdp	PROPN
fsr-3370	271	22	usgdp	usgdp	PROPN
fsr-3370	271	23	�	�	PROPN
fsr-3370	271	24	ukgdp	ukgdp	PROPN
fsr-3370	271	25	�	�	PROPN
fsr-3370	271	26	augdp	augdp	PROPN
fsr-3370	271	27	�	�	PROPN
fsr-3370	271	28	ukgdp	ukgdp	PROPN
fsr-3370	271	29	�	�	PROPN
fsr-3370	271	30	au_gdp	au_gdp	PROPN
fsr-3370	271	31	us_gdp	us_gdp	PROPN
fsr-3370	271	32	�	�	PROPN
fsr-3370	271	33	uk_gdp	uk_gdp	PROPN
fsr-3370	271	34	�	�	PROPN
fsr-3370	271	35	au_gdp	au_gdp	PROPN
fsr-3370	271	36	�	�	PROPN
fsr-3370	271	37	aus_gdp	aus_gdp	PROPN
fsr-3370	271	38	y	y	PROPN
fsr-3370	271	39	composite	composite	ADJ
fsr-3370	271	40	stock	stock	NOUN
fsr-3370	271	41	market	market	NOUN
fsr-3370	271	42	index	index	NOUN
fsr-3370	271	43	:	:	PUNCT
fsr-3370	271	44	in	in	ADP
fsr-3370	271	45	addition	addition	NOUN
fsr-3370	271	46	to	to	ADP
fsr-3370	271	47	a	a	DET
fsr-3370	271	48	composite	composite	ADJ
fsr-3370	271	49	gdp	gdp	NOUN
fsr-3370	271	50	measure	measure	NOUN
fsr-3370	271	51	,	,	PUNCT
fsr-3370	271	52	a	a	DET
fsr-3370	271	53	global	global	ADJ
fsr-3370	271	54	stock	stock	NOUN
fsr-3370	271	55	market	market	NOUN
fsr-3370	271	56	index	index	NOUN
fsr-3370	271	57	variable	variable	NOUN
fsr-3370	271	58	was	be	AUX
fsr-3370	271	59	created	create	VERB
fsr-3370	271	60	using	use	VERB
fsr-3370	271	61	combined	combined	ADJ
fsr-3370	271	62	market	market	NOUN
fsr-3370	271	63	information	information	NOUN
fsr-3370	271	64	from	from	ADP
fsr-3370	271	65	australia	australia	PROPN
fsr-3370	271	66	,	,	PUNCT
fsr-3370	271	67	united	united	ADJ
fsr-3370	271	68	kingdom	kingdom	PROPN
fsr-3370	271	69	,	,	PUNCT
fsr-3370	271	70	and	and	CCONJ
fsr-3370	271	71	the	the	DET
fsr-3370	271	72	united	united	PROPN
fsr-3370	271	73	states	states	PROPN
fsr-3370	271	74	.	.	PUNCT
fsr-3370	272	1	these	these	DET
fsr-3370	272	2	data	datum	NOUN
fsr-3370	272	3	were	be	AUX
fsr-3370	272	4	matched	match	VERB
fsr-3370	272	5	,	,	PUNCT
fsr-3370	272	6	by	by	ADP
fsr-3370	272	7	date	date	NOUN
fsr-3370	272	8	of	of	ADP
fsr-3370	272	9	the	the	DET
fsr-3370	272	10	initial	initial	ADJ
fsr-3370	272	11	test	test	NOUN
fsr-3370	272	12	,	,	PUNCT
fsr-3370	272	13	to	to	ADP
fsr-3370	272	14	each	each	DET
fsr-3370	272	15	respondent	respondent	NOUN
fsr-3370	272	16	’s	’s	PART
fsr-3370	272	17	data	datum	NOUN
fsr-3370	272	18	profile	profile	NOUN
fsr-3370	272	19	.	.	PUNCT
fsr-3370	273	1	these	these	DET
fsr-3370	273	2	data	datum	NOUN
fsr-3370	273	3	,	,	PUNCT
fsr-3370	273	4	rather	rather	ADV
fsr-3370	273	5	than	than	ADP
fsr-3370	273	6	a	a	DET
fsr-3370	273	7	change	change	NOUN
fsr-3370	273	8	variable	variable	NOUN
fsr-3370	273	9	,	,	PUNCT
fsr-3370	273	10	were	be	AUX
fsr-3370	273	11	used	use	VERB
fsr-3370	273	12	in	in	ADP
fsr-3370	273	13	subsequent	subsequent	ADJ
fsr-3370	273	14	analyses	analysis	NOUN
fsr-3370	273	15	.	.	PUNCT
fsr-3370	274	1	other	other	ADJ
fsr-3370	274	2	variables	variable	NOUN
fsr-3370	274	3	were	be	AUX
fsr-3370	274	4	also	also	ADV
fsr-3370	274	5	included	include	VERB
fsr-3370	274	6	in	in	ADP
fsr-3370	274	7	the	the	DET
fsr-3370	274	8	analysis	analysis	NOUN
fsr-3370	274	9	.	.	PUNCT
fsr-3370	275	1	to	to	PART
fsr-3370	275	2	test	test	VERB
fsr-3370	275	3	the	the	DET
fsr-3370	275	4	effects	effect	NOUN
fsr-3370	275	5	of	of	ADP
fsr-3370	275	6	initial	initial	ADJ
fsr-3370	275	7	outliers	outlier	NOUN
fsr-3370	275	8	,	,	PUNCT
fsr-3370	275	9	a	a	DET
fsr-3370	275	10	variable	variable	NOUN
fsr-3370	275	11	was	be	AUX
fsr-3370	275	12	created	create	VERB
fsr-3370	275	13	that	that	PRON
fsr-3370	275	14	separated	separate	VERB
fsr-3370	275	15	individuals	individual	NOUN
fsr-3370	275	16	into	into	ADP
fsr-3370	275	17	categories	category	NOUN
fsr-3370	275	18	based	base	VERB
fsr-3370	275	19	on	on	ADP
fsr-3370	275	20	their	their	PRON
fsr-3370	275	21	rts_1	rts_1	NOUN
fsr-3370	275	22	.	.	PUNCT
fsr-3370	276	1	if	if	SCONJ
fsr-3370	276	2	someone	someone	PRON
fsr-3370	276	3	scored	score	VERB
fsr-3370	276	4	extremely	extremely	ADV
fsr-3370	276	5	low	low	ADV
fsr-3370	276	6	they	they	PRON
fsr-3370	276	7	were	be	AUX
fsr-3370	276	8	coded	code	VERB
fsr-3370	276	9	as	as	ADP
fsr-3370	276	10	low	low	ADJ
fsr-3370	276	11	initial	initial	ADJ
fsr-3370	276	12	score	score	NOUN
fsr-3370	276	13	,	,	PUNCT
fsr-3370	276	14	and	and	CCONJ
fsr-3370	276	15	if	if	SCONJ
fsr-3370	276	16	they	they	PRON
fsr-3370	276	17	scored	score	VERB
fsr-3370	276	18	extremely	extremely	ADV
fsr-3370	276	19	high	high	ADJ
fsr-3370	276	20	they	they	PRON
fsr-3370	276	21	were	be	AUX
fsr-3370	276	22	given	give	VERB
fsr-3370	276	23	a	a	DET
fsr-3370	276	24	high	high	ADJ
fsr-3370	276	25	initial	initial	ADJ
fsr-3370	276	26	score	score	NOUN
fsr-3370	276	27	notation	notation	NOUN
fsr-3370	276	28	.	.	PUNCT
fsr-3370	277	1	biopsychosocial	biopsychosocial	ADJ
fsr-3370	277	2	and	and	CCONJ
fsr-3370	277	3	environmental	environmental	ADJ
fsr-3370	277	4	factors	factor	NOUN
fsr-3370	277	5	were	be	AUX
fsr-3370	277	6	also	also	ADV
fsr-3370	277	7	included	include	VERB
fsr-3370	277	8	in	in	ADP
fsr-3370	277	9	the	the	DET
fsr-3370	277	10	analysis	analysis	NOUN
fsr-3370	277	11	.	.	PUNCT
fsr-3370	278	1	it	it	PRON
fsr-3370	278	2	is	be	AUX
fsr-3370	278	3	well	well	ADV
fsr-3370	278	4	known	know	VERB
fsr-3370	278	5	that	that	SCONJ
fsr-3370	278	6	many	many	ADJ
fsr-3370	278	7	professional	professional	ADJ
fsr-3370	278	8	financial	financial	ADJ
fsr-3370	278	9	planners	planner	NOUN
fsr-3370	278	10	use	use	VERB
fsr-3370	278	11	biopsychosocial	biopsychosocial	ADJ
fsr-3370	278	12	and	and	CCONJ
fsr-3370	278	13	environmental	environmental	ADJ
fsr-3370	278	14	variables	variable	NOUN
fsr-3370	278	15	to	to	PART
fsr-3370	278	16	predict	predict	VERB
fsr-3370	278	17	and	and	CCONJ
fsr-3370	278	18	assess	assess	VERB
fsr-3370	278	19	the	the	DET
fsr-3370	278	20	frt	frt	NOUN
fsr-3370	278	21	of	of	ADP
fsr-3370	278	22	their	their	PRON
fsr-3370	278	23	clients	client	NOUN
fsr-3370	278	24	(	(	PUNCT
fsr-3370	278	25	spitzer	spitzer	NOUN
fsr-3370	278	26	and	and	CCONJ
fsr-3370	278	27	singh	singh	PROPN
fsr-3370	278	28	,	,	PUNCT
fsr-3370	278	29	2008	2008	NUM
fsr-3370	278	30	)	)	PUNCT
fsr-3370	278	31	.	.	PUNCT
fsr-3370	279	1	previous	previous	ADJ
fsr-3370	279	2	research	research	NOUN
fsr-3370	279	3	has	have	AUX
fsr-3370	279	4	done	do	VERB
fsr-3370	279	5	a	a	DET
fsr-3370	279	6	relatively	relatively	ADV
fsr-3370	279	7	thorough	thorough	ADJ
fsr-3370	279	8	job	job	NOUN
fsr-3370	279	9	describing	describe	VERB
fsr-3370	279	10	the	the	DET
fsr-3370	279	11	most	most	ADV
fsr-3370	279	12	popular	popular	ADJ
fsr-3370	279	13	biopsychosocial	biopsychosocial	ADJ
fsr-3370	279	14	and	and	CCONJ
fsr-3370	279	15	environmental	environmental	ADJ
fsr-3370	279	16	variables	variable	NOUN
fsr-3370	279	17	used	use	VERB
fsr-3370	279	18	by	by	ADP
fsr-3370	279	19	financial	financial	ADJ
fsr-3370	279	20	planners	planner	NOUN
fsr-3370	279	21	(	(	PUNCT
fsr-3370	279	22	grable	grable	ADJ
fsr-3370	279	23	,	,	PUNCT
fsr-3370	279	24	1997	1997	NUM
fsr-3370	279	25	;	;	PUNCT
fsr-3370	279	26	grable	grable	NOUN
fsr-3370	279	27	and	and	CCONJ
fsr-3370	279	28	joo	joo	NOUN
fsr-3370	279	29	,	,	PUNCT
fsr-3370	279	30	1998	1998	NUM
fsr-3370	279	31	;	;	PUNCT
fsr-3370	279	32	sung	sing	VERB
fsr-3370	279	33	and	and	CCONJ
fsr-3370	279	34	hanna	hanna	NOUN
fsr-3370	279	35	,	,	PUNCT
fsr-3370	279	36	1996	1996	NUM
fsr-3370	279	37	)	)	PUNCT
fsr-3370	279	38	that	that	PRON
fsr-3370	279	39	appear	appear	VERB
fsr-3370	279	40	to	to	PART
fsr-3370	279	41	be	be	AUX
fsr-3370	279	42	associated	associate	VERB
fsr-3370	279	43	with	with	ADP
fsr-3370	279	44	financial	financial	ADJ
fsr-3370	279	45	risk	risk	NOUN
fsr-3370	279	46	tolerance	tolerance	NOUN
fsr-3370	279	47	.	.	PUNCT
fsr-3370	280	1	some	some	PRON
fsr-3370	280	2	of	of	ADP
fsr-3370	280	3	the	the	DET
fsr-3370	280	4	most	most	ADV
fsr-3370	280	5	important	important	ADJ
fsr-3370	280	6	of	of	ADP
fsr-3370	280	7	these	these	DET
fsr-3370	280	8	factors	factor	NOUN
fsr-3370	280	9	were	be	AUX
fsr-3370	280	10	included	include	VERB
fsr-3370	280	11	in	in	ADP
fsr-3370	280	12	this	this	DET
fsr-3370	280	13	study	study	NOUN
fsr-3370	280	14	.	.	PUNCT
fsr-3370	281	1	each	each	PRON
fsr-3370	281	2	was	be	AUX
fsr-3370	281	3	measured	measure	VERB
fsr-3370	281	4	as	as	SCONJ
fsr-3370	281	5	follows	follow	VERB
fsr-3370	281	6	:	:	PUNCT
fsr-3370	281	7	y	y	PROPN
fsr-3370	281	8	age	age	NOUN
fsr-3370	281	9	:	:	PUNCT
fsr-3370	281	10	age	age	NOUN
fsr-3370	281	11	was	be	AUX
fsr-3370	281	12	calculated	calculate	VERB
fsr-3370	281	13	using	use	VERB
fsr-3370	281	14	year	year	NOUN
fsr-3370	281	15	of	of	ADP
fsr-3370	281	16	birth	birth	NOUN
fsr-3370	281	17	at	at	ADP
fsr-3370	281	18	the	the	DET
fsr-3370	281	19	initial	initial	ADJ
fsr-3370	281	20	survey	survey	NOUN
fsr-3370	281	21	date	date	NOUN
fsr-3370	281	22	.	.	PUNCT
fsr-3370	282	1	y	y	PROPN
fsr-3370	282	2	income	income	NOUN
fsr-3370	282	3	:	:	PUNCT
fsr-3370	282	4	income	income	NOUN
fsr-3370	282	5	was	be	AUX
fsr-3370	282	6	measured	measure	VERB
fsr-3370	282	7	using	use	VERB
fsr-3370	282	8	five	five	NUM
fsr-3370	282	9	categories	category	NOUN
fsr-3370	282	10	:	:	PUNCT
fsr-3370	282	11	(	(	PUNCT
fsr-3370	282	12	1	1	X
fsr-3370	282	13	)	)	PUNCT
fsr-3370	282	14	under	under	ADP
fsr-3370	282	15	$	$	SYM
fsr-3370	282	16	30,000	30,000	NUM
fsr-3370	282	17	;	;	PUNCT
fsr-3370	282	18	(	(	PUNCT
fsr-3370	282	19	2	2	X
fsr-3370	282	20	)	)	PUNCT
fsr-3370	282	21	$	$	SYM
fsr-3370	282	22	30,000$50,000	30,000$50,000	NUM
fsr-3370	282	23	;	;	PUNCT
fsr-3370	282	24	(	(	PUNCT
fsr-3370	282	25	3	3	X
fsr-3370	282	26	)	)	PUNCT
fsr-3370	282	27	$	$	SYM
fsr-3370	282	28	50,000-$100,000	50,000-$100,000	NUM
fsr-3370	282	29	;	;	PUNCT
fsr-3370	282	30	(	(	PUNCT
fsr-3370	282	31	4	4	X
fsr-3370	282	32	)	)	PUNCT
fsr-3370	282	33	$	$	SYM
fsr-3370	282	34	100,000-$200,000	100,000-$200,000	NUM
fsr-3370	282	35	;	;	PUNCT
fsr-3370	282	36	and	and	CCONJ
fsr-3370	282	37	(	(	PUNCT
fsr-3370	282	38	5	5	NUM
fsr-3370	282	39	)	)	PUNCT
fsr-3370	282	40	over	over	ADP
fsr-3370	282	41	$	$	SYM
fsr-3370	282	42	200,000	200,000	NUM
fsr-3370	282	43	.	.	PUNCT
fsr-3370	283	1	y	y	PROPN
fsr-3370	283	2	net	net	ADJ
fsr-3370	283	3	worth	worth	ADJ
fsr-3370	283	4	:	:	PUNCT
fsr-3370	283	5	the	the	DET
fsr-3370	283	6	data	datum	NOUN
fsr-3370	283	7	for	for	ADP
fsr-3370	283	8	net	net	ADJ
fsr-3370	283	9	worth	worth	NOUN
fsr-3370	283	10	were	be	AUX
fsr-3370	283	11	coded	code	VERB
fsr-3370	283	12	using	use	VERB
fsr-3370	283	13	10	10	NUM
fsr-3370	283	14	distinct	distinct	ADJ
fsr-3370	283	15	categories	category	NOUN
fsr-3370	283	16	as	as	SCONJ
fsr-3370	283	17	follows	follow	VERB
fsr-3370	283	18	:	:	PUNCT
fsr-3370	283	19	(	(	PUNCT
fsr-3370	283	20	1	1	X
fsr-3370	283	21	)	)	PUNCT
fsr-3370	283	22	under	under	ADP
fsr-3370	283	23	$	$	SYM
fsr-3370	283	24	10,000	10,000	NUM
fsr-3370	283	25	;	;	PUNCT
fsr-3370	283	26	(	(	PUNCT
fsr-3370	283	27	2	2	X
fsr-3370	283	28	)	)	PUNCT
fsr-3370	283	29	$	$	SYM
fsr-3370	283	30	10,000-$25,000	10,000-$25,000	NUM
fsr-3370	283	31	;	;	PUNCT
fsr-3370	283	32	(	(	PUNCT
fsr-3370	283	33	3	3	X
fsr-3370	283	34	)	)	PUNCT
fsr-3370	283	35	$	$	SYM
fsr-3370	283	36	25,000-$50,000	25,000-$50,000	NUM
fsr-3370	283	37	;	;	PUNCT
fsr-3370	283	38	(	(	PUNCT
fsr-3370	283	39	4	4	X
fsr-3370	283	40	)	)	PUNCT
fsr-3370	283	41	$	$	SYM
fsr-3370	283	42	50,000-$100,000	50,000-$100,000	NUM
fsr-3370	283	43	;	;	PUNCT
fsr-3370	283	44	(	(	PUNCT
fsr-3370	283	45	5	5	X
fsr-3370	283	46	)	)	PUNCT
fsr-3370	283	47	$	$	SYM
fsr-3370	283	48	100,000-$150,000	100,000-$150,000	NUM
fsr-3370	283	49	;	;	PUNCT
fsr-3370	283	50	(	(	PUNCT
fsr-3370	283	51	6	6	NUM
fsr-3370	283	52	)	)	PUNCT
fsr-3370	283	53	$	$	SYM
fsr-3370	283	54	150,000-$250,000	150,000-$250,000	NUM
fsr-3370	283	55	;	;	PUNCT
fsr-3370	283	56	(	(	PUNCT
fsr-3370	283	57	7	7	X
fsr-3370	283	58	)	)	PUNCT
fsr-3370	283	59	$	$	SYM
fsr-3370	283	60	250,000-$500,000	250,000-$500,000	NUM
fsr-3370	283	61	;	;	PUNCT
fsr-3370	283	62	(	(	PUNCT
fsr-3370	283	63	8)	8)	NUM
fsr-3370	283	64	$	$	SYM
fsr-3370	283	65	500,000$1,000,000	500,000$1,000,000	NUM
fsr-3370	283	66	;	;	PUNCT
fsr-3370	283	67	(	(	PUNCT
fsr-3370	283	68	9	9	X
fsr-3370	283	69	)	)	PUNCT
fsr-3370	283	70	$	$	SYM
fsr-3370	283	71	1,000,000-$2,500,000	1,000,000-$2,500,000	NUM
fsr-3370	283	72	;	;	PUNCT
fsr-3370	283	73	and	and	CCONJ
fsr-3370	283	74	(	(	PUNCT
fsr-3370	283	75	10	10	NUM
fsr-3370	283	76	)	)	PUNCT
fsr-3370	283	77	over	over	ADP
fsr-3370	283	78	$	$	SYM
fsr-3370	283	79	2,500,000	2,500,000	NUM
fsr-3370	283	80	.	.	PUNCT
fsr-3370	284	1	y	y	PROPN
fsr-3370	284	2	gender	gender	NOUN
fsr-3370	284	3	:	:	PUNCT
fsr-3370	284	4	males	male	NOUN
fsr-3370	284	5	were	be	AUX
fsr-3370	284	6	coded	code	VERB
fsr-3370	284	7	1	1	NUM
fsr-3370	284	8	;	;	PUNCT
fsr-3370	284	9	females	female	NOUN
fsr-3370	284	10	were	be	AUX
fsr-3370	284	11	coded	code	VERB
fsr-3370	284	12	2	2	NUM
fsr-3370	284	13	.	.	X
fsr-3370	284	14	y	y	PROPN
fsr-3370	284	15	education	education	NOUN
fsr-3370	284	16	level	level	NOUN
fsr-3370	284	17	:	:	PUNCT
fsr-3370	284	18	four	four	NUM
fsr-3370	284	19	levels	level	NOUN
fsr-3370	284	20	of	of	ADP
fsr-3370	284	21	education	education	NOUN
fsr-3370	284	22	were	be	AUX
fsr-3370	284	23	used	use	VERB
fsr-3370	284	24	to	to	PART
fsr-3370	284	25	measure	measure	VERB
fsr-3370	284	26	attained	attain	VERB
fsr-3370	284	27	academic	academic	ADJ
fsr-3370	284	28	achievement	achievement	NOUN
fsr-3370	284	29	:	:	PUNCT
fsr-3370	284	30	(	(	PUNCT
fsr-3370	284	31	1	1	X
fsr-3370	284	32	)	)	PUNCT
fsr-3370	284	33	less	less	ADJ
fsr-3370	284	34	than	than	ADP
fsr-3370	284	35	high	high	ADJ
fsr-3370	284	36	school	school	NOUN
fsr-3370	284	37	;	;	PUNCT
fsr-3370	284	38	(	(	PUNCT
fsr-3370	284	39	2	2	X
fsr-3370	284	40	)	)	PUNCT
fsr-3370	284	41	completed	complete	VERB
fsr-3370	284	42	high	high	ADJ
fsr-3370	284	43	school	school	NOUN
fsr-3370	284	44	;	;	PUNCT
fsr-3370	284	45	(	(	PUNCT
fsr-3370	284	46	3	3	X
fsr-3370	284	47	)	)	PUNCT
fsr-3370	284	48	trade	trade	NOUN
fsr-3370	284	49	school	school	NOUN
fsr-3370	284	50	or	or	CCONJ
fsr-3370	284	51	some	some	DET
fsr-3370	284	52	college	college	NOUN
fsr-3370	284	53	;	;	PUNCT
fsr-3370	284	54	and	and	CCONJ
fsr-3370	284	55	(	(	PUNCT
fsr-3370	284	56	4	4	X
fsr-3370	284	57	)	)	PUNCT
fsr-3370	284	58	university	university	NOUN
fsr-3370	284	59	degree	degree	NOUN
fsr-3370	284	60	or	or	CCONJ
fsr-3370	284	61	higher	high	ADJ
fsr-3370	284	62	.	.	PUNCT
fsr-3370	285	1	y	y	NOUN
fsr-3370	285	2	household	household	NOUN
fsr-3370	285	3	size	size	NOUN
fsr-3370	285	4	:	:	PUNCT
fsr-3370	285	5	household	household	NOUN
fsr-3370	285	6	size	size	NOUN
fsr-3370	285	7	was	be	AUX
fsr-3370	285	8	the	the	DET
fsr-3370	285	9	count	count	NOUN
fsr-3370	285	10	of	of	ADP
fsr-3370	285	11	all	all	DET
fsr-3370	285	12	members	member	NOUN
fsr-3370	285	13	(	(	PUNCT
fsr-3370	285	14	including	include	VERB
fsr-3370	285	15	children	child	NOUN
fsr-3370	285	16	)	)	PUNCT
fsr-3370	285	17	in	in	ADP
fsr-3370	285	18	the	the	DET
fsr-3370	285	19	household	household	NOUN
fsr-3370	285	20	.	.	PUNCT
fsr-3370	286	1	y	y	PROPN
fsr-3370	286	2	marital	marital	ADJ
fsr-3370	286	3	status	status	NOUN
fsr-3370	286	4	:	:	PUNCT
fsr-3370	286	5	marital	marital	ADJ
fsr-3370	286	6	status	status	NOUN
fsr-3370	286	7	was	be	AUX
fsr-3370	286	8	coded	code	VERB
fsr-3370	286	9	dichotomously	dichotomously	ADV
fsr-3370	286	10	.	.	PUNCT
fsr-3370	287	1	those	those	PRON
fsr-3370	287	2	who	who	PRON
fsr-3370	287	3	were	be	AUX
fsr-3370	287	4	married	married	ADJ
fsr-3370	287	5	were	be	AUX
fsr-3370	287	6	coded	code	VERB
fsr-3370	287	7	1	1	NUM
fsr-3370	287	8	,	,	PUNCT
fsr-3370	287	9	otherwise	otherwise	ADV
fsr-3370	287	10	0	0	NUM
fsr-3370	287	11	.	.	X
fsr-3370	288	1	328	328	NUM
fsr-3370	288	2	s.	s.	PROPN
fsr-3370	288	3	kuzniak	kuzniak	PROPN
fsr-3370	288	4	,	,	PUNCT
fsr-3370	288	5	j.e	j.e	PROPN
fsr-3370	288	6	.	.	PROPN
fsr-3370	288	7	grable	grable	PROPN
fsr-3370	288	8	/	/	SYM
fsr-3370	288	9	financial	financial	ADJ
fsr-3370	288	10	services	service	NOUN
fsr-3370	288	11	review	review	VERB
fsr-3370	288	12	26	26	NUM
fsr-3370	288	13	(	(	PUNCT
fsr-3370	288	14	2017	2017	NUM
fsr-3370	288	15	)	)	PUNCT
fsr-3370	288	16	315–338	315–338	NUM
fsr-3370	288	17	a	a	DET
fsr-3370	288	18	measure	measure	NOUN
fsr-3370	288	19	of	of	ADP
fsr-3370	288	20	social	social	ADJ
fsr-3370	288	21	support	support	NOUN
fsr-3370	288	22	was	be	AUX
fsr-3370	288	23	included	include	VERB
fsr-3370	288	24	in	in	ADP
fsr-3370	288	25	the	the	DET
fsr-3370	288	26	study	study	NOUN
fsr-3370	288	27	.	.	PUNCT
fsr-3370	289	1	social	social	ADJ
fsr-3370	289	2	support	support	NOUN
fsr-3370	289	3	is	be	AUX
fsr-3370	289	4	a	a	DET
fsr-3370	289	5	broad	broad	ADJ
fsr-3370	289	6	term	term	NOUN
fsr-3370	289	7	that	that	PRON
fsr-3370	289	8	describes	describe	VERB
fsr-3370	289	9	the	the	DET
fsr-3370	289	10	aggregate	aggregate	ADJ
fsr-3370	289	11	level	level	NOUN
fsr-3370	289	12	of	of	ADP
fsr-3370	289	13	transfers	transfer	NOUN
fsr-3370	289	14	from	from	ADP
fsr-3370	289	15	government	government	NOUN
fsr-3370	289	16	to	to	ADP
fsr-3370	289	17	individuals	individual	NOUN
fsr-3370	289	18	.	.	PUNCT
fsr-3370	290	1	social	social	ADJ
fsr-3370	290	2	support	support	NOUN
fsr-3370	290	3	can	can	AUX
fsr-3370	290	4	be	be	AUX
fsr-3370	290	5	measured	measure	VERB
fsr-3370	290	6	many	many	ADJ
fsr-3370	290	7	ways	way	NOUN
fsr-3370	290	8	with	with	ADP
fsr-3370	290	9	differing	differing	ADJ
fsr-3370	290	10	levels	level	NOUN
fsr-3370	290	11	of	of	ADP
fsr-3370	290	12	comparability	comparability	NOUN
fsr-3370	290	13	.	.	PUNCT
fsr-3370	291	1	simply	simply	ADV
fsr-3370	291	2	equating	equate	VERB
fsr-3370	291	3	absolute	absolute	ADJ
fsr-3370	291	4	numbers	number	NOUN
fsr-3370	291	5	does	do	AUX
fsr-3370	291	6	not	not	PART
fsr-3370	291	7	make	make	VERB
fsr-3370	291	8	sense	sense	NOUN
fsr-3370	291	9	globally	globally	ADV
fsr-3370	291	10	when	when	SCONJ
fsr-3370	291	11	production	production	NOUN
fsr-3370	291	12	,	,	PUNCT
fsr-3370	291	13	income	income	NOUN
fsr-3370	291	14	,	,	PUNCT
fsr-3370	291	15	and	and	CCONJ
fsr-3370	291	16	consumption	consumption	NOUN
fsr-3370	291	17	differ	differ	VERB
fsr-3370	291	18	widely	widely	ADV
fsr-3370	291	19	across	across	ADP
fsr-3370	291	20	regions	region	NOUN
fsr-3370	291	21	.	.	PUNCT
fsr-3370	292	1	social	social	ADJ
fsr-3370	292	2	support	support	NOUN
fsr-3370	292	3	can	can	AUX
fsr-3370	292	4	comprise	comprise	VERB
fsr-3370	292	5	many	many	ADJ
fsr-3370	292	6	different	different	ADJ
fsr-3370	292	7	concepts	concept	NOUN
fsr-3370	292	8	or	or	CCONJ
fsr-3370	292	9	programs	program	NOUN
fsr-3370	292	10	,	,	PUNCT
fsr-3370	292	11	including	include	VERB
fsr-3370	292	12	,	,	PUNCT
fsr-3370	292	13	but	but	CCONJ
fsr-3370	292	14	not	not	PART
fsr-3370	292	15	limited	limit	VERB
fsr-3370	292	16	to	to	ADP
fsr-3370	292	17	,	,	PUNCT
fsr-3370	292	18	socialized	socialized	ADJ
fsr-3370	292	19	healthcare	healthcare	NOUN
fsr-3370	292	20	,	,	PUNCT
fsr-3370	292	21	secondary	secondary	ADJ
fsr-3370	292	22	and/or	and/or	CCONJ
fsr-3370	292	23	university	university	NOUN
fsr-3370	292	24	education	education	NOUN
fsr-3370	292	25	,	,	PUNCT
fsr-3370	292	26	unemployment	unemployment	NOUN
fsr-3370	292	27	insurance	insurance	NOUN
fsr-3370	292	28	,	,	PUNCT
fsr-3370	292	29	and	and	CCONJ
fsr-3370	292	30	supplemental	supplemental	ADJ
fsr-3370	292	31	retirement	retirement	NOUN
fsr-3370	292	32	income	income	NOUN
fsr-3370	292	33	.	.	PUNCT
fsr-3370	293	1	government	government	NOUN
fsr-3370	293	2	transfers	transfer	NOUN
fsr-3370	293	3	,	,	PUNCT
fsr-3370	293	4	as	as	ADP
fsr-3370	293	5	a	a	DET
fsr-3370	293	6	percentage	percentage	NOUN
fsr-3370	293	7	of	of	ADP
fsr-3370	293	8	gdp	gdp	NOUN
fsr-3370	293	9	,	,	PUNCT
fsr-3370	293	10	produces	produce	VERB
fsr-3370	293	11	a	a	DET
fsr-3370	293	12	percentage	percentage	NOUN
fsr-3370	293	13	statistic	statistic	NOUN
fsr-3370	293	14	that	that	PRON
fsr-3370	293	15	allows	allow	VERB
fsr-3370	293	16	for	for	ADP
fsr-3370	293	17	comparison	comparison	NOUN
fsr-3370	293	18	across	across	ADP
fsr-3370	293	19	any	any	DET
fsr-3370	293	20	set	set	NOUN
fsr-3370	293	21	of	of	ADP
fsr-3370	293	22	countries	country	NOUN
fsr-3370	293	23	worldwide	worldwide	ADV
fsr-3370	293	24	.	.	PUNCT
fsr-3370	294	1	adding	add	VERB
fsr-3370	294	2	the	the	DET
fsr-3370	294	3	social	social	ADJ
fsr-3370	294	4	support	support	NOUN
fsr-3370	294	5	variable	variable	NOUN
fsr-3370	294	6	in	in	ADP
fsr-3370	294	7	this	this	DET
fsr-3370	294	8	study	study	NOUN
fsr-3370	294	9	was	be	AUX
fsr-3370	294	10	done	do	VERB
fsr-3370	294	11	to	to	PART
fsr-3370	294	12	provide	provide	VERB
fsr-3370	294	13	a	a	DET
fsr-3370	294	14	test	test	NOUN
fsr-3370	294	15	of	of	ADP
fsr-3370	294	16	the	the	DET
fsr-3370	294	17	cushion	cushion	NOUN
fsr-3370	294	18	hypothesis	hypothesis	NOUN
fsr-3370	294	19	.	.	PUNCT
fsr-3370	295	1	for	for	ADP
fsr-3370	295	2	the	the	DET
fsr-3370	295	3	scope	scope	NOUN
fsr-3370	295	4	of	of	ADP
fsr-3370	295	5	this	this	DET
fsr-3370	295	6	study	study	NOUN
fsr-3370	295	7	,	,	PUNCT
fsr-3370	295	8	social	social	ADJ
fsr-3370	295	9	support	support	NOUN
fsr-3370	295	10	was	be	AUX
fsr-3370	295	11	measured	measure	VERB
fsr-3370	295	12	by	by	ADP
fsr-3370	295	13	percentage	percentage	NOUN
fsr-3370	295	14	of	of	ADP
fsr-3370	295	15	gdp	gdp	NOUN
fsr-3370	295	16	based	base	VERB
fsr-3370	295	17	on	on	ADP
fsr-3370	295	18	the	the	DET
fsr-3370	295	19	us	us	PROPN
fsr-3370	295	20	oecds	oecds	PROPN
fsr-3370	295	21	index	index	PROPN
fsr-3370	295	22	,	,	PUNCT
fsr-3370	295	23	as	as	SCONJ
fsr-3370	295	24	shown	show	VERB
fsr-3370	295	25	in	in	ADP
fsr-3370	295	26	table	table	NOUN
fsr-3370	295	27	3	3	NUM
fsr-3370	295	28	.	.	PUNCT
fsr-3370	295	29	table	table	NOUN
fsr-3370	295	30	4	4	NUM
fsr-3370	295	31	provides	provide	VERB
fsr-3370	295	32	a	a	DET
fsr-3370	295	33	descriptive	descriptive	ADJ
fsr-3370	295	34	summary	summary	NOUN
fsr-3370	295	35	of	of	ADP
fsr-3370	295	36	the	the	DET
fsr-3370	295	37	dependent	dependent	ADJ
fsr-3370	295	38	and	and	CCONJ
fsr-3370	295	39	independent	independent	ADJ
fsr-3370	295	40	variables	variable	NOUN
fsr-3370	295	41	used	use	VERB
fsr-3370	295	42	in	in	ADP
fsr-3370	295	43	this	this	DET
fsr-3370	295	44	study	study	NOUN
fsr-3370	295	45	(	(	PUNCT
fsr-3370	295	46	data	datum	NOUN
fsr-3370	295	47	for	for	ADP
fsr-3370	295	48	social	social	ADJ
fsr-3370	295	49	support	support	NOUN
fsr-3370	295	50	are	be	AUX
fsr-3370	295	51	shown	show	VERB
fsr-3370	295	52	in	in	ADP
fsr-3370	295	53	table	table	NOUN
fsr-3370	295	54	3	3	NUM
fsr-3370	295	55	)	)	PUNCT
fsr-3370	295	56	.	.	PUNCT
fsr-3370	296	1	a	a	DET
fsr-3370	296	2	mean	mean	ADJ
fsr-3370	296	3	value	value	NOUN
fsr-3370	296	4	is	be	AUX
fsr-3370	296	5	shown	show	VERB
fsr-3370	296	6	when	when	SCONJ
fsr-3370	296	7	the	the	DET
fsr-3370	296	8	data	datum	NOUN
fsr-3370	296	9	were	be	AUX
fsr-3370	296	10	recorded	record	VERB
fsr-3370	296	11	at	at	ADP
fsr-3370	296	12	the	the	DET
fsr-3370	296	13	interval	interval	NOUN
fsr-3370	296	14	level	level	NOUN
fsr-3370	296	15	.	.	PUNCT
fsr-3370	297	1	a	a	DET
fsr-3370	297	2	median	median	ADJ
fsr-3370	297	3	score	score	NOUN
fsr-3370	297	4	is	be	AUX
fsr-3370	297	5	shown	show	VERB
fsr-3370	297	6	for	for	ADP
fsr-3370	297	7	categorical	categorical	ADJ
fsr-3370	297	8	variables	variable	NOUN
fsr-3370	297	9	.	.	PUNCT
fsr-3370	298	1	4.3	4.3	NUM
fsr-3370	298	2	.	.	PUNCT
fsr-3370	299	1	data	datum	NOUN
fsr-3370	299	2	analysis	analysis	NOUN
fsr-3370	299	3	methodology	methodology	NOUN
fsr-3370	299	4	the	the	DET
fsr-3370	299	5	following	follow	VERB
fsr-3370	299	6	statistical	statistical	ADJ
fsr-3370	299	7	techniques	technique	NOUN
fsr-3370	299	8	were	be	AUX
fsr-3370	299	9	used	use	VERB
fsr-3370	299	10	in	in	ADP
fsr-3370	299	11	this	this	DET
fsr-3370	299	12	study	study	NOUN
fsr-3370	299	13	:	:	PUNCT
fsr-3370	299	14	correlation	correlation	NOUN
fsr-3370	299	15	,	,	PUNCT
fsr-3370	299	16	probability	probability	NOUN
fsr-3370	299	17	distribution	distribution	NOUN
fsr-3370	299	18	,	,	PUNCT
fsr-3370	299	19	and	and	CCONJ
fsr-3370	299	20	logistic	logistic	ADJ
fsr-3370	299	21	regression	regression	NOUN
fsr-3370	299	22	analyses	analysis	NOUN
fsr-3370	299	23	.	.	PUNCT
fsr-3370	300	1	after	after	ADP
fsr-3370	300	2	testing	test	VERB
fsr-3370	300	3	the	the	DET
fsr-3370	300	4	individual	individual	ADJ
fsr-3370	300	5	variables	variable	NOUN
fsr-3370	300	6	for	for	ADP
fsr-3370	300	7	normality	normality	NOUN
fsr-3370	300	8	and	and	CCONJ
fsr-3370	300	9	potential	potential	ADJ
fsr-3370	300	10	multicollinearity	multicollinearity	NOUN
fsr-3370	300	11	,	,	PUNCT
fsr-3370	300	12	a	a	DET
fsr-3370	300	13	multinomial	multinomial	ADJ
fsr-3370	300	14	logistic	logistic	ADJ
fsr-3370	300	15	regression	regression	NOUN
fsr-3370	300	16	analysis	analysis	NOUN
fsr-3370	300	17	was	be	AUX
fsr-3370	300	18	used	use	VERB
fsr-3370	300	19	to	to	PART
fsr-3370	300	20	examine	examine	VERB
fsr-3370	300	21	the	the	DET
fsr-3370	300	22	relationships	relationship	NOUN
fsr-3370	300	23	among	among	ADP
fsr-3370	300	24	the	the	DET
fsr-3370	300	25	independent	independent	ADJ
fsr-3370	300	26	variables	variable	NOUN
fsr-3370	300	27	and	and	CCONJ
fsr-3370	300	28	changes	change	NOUN
fsr-3370	300	29	in	in	ADP
fsr-3370	300	30	frt	frt	NOUN
fsr-3370	300	31	.	.	PUNCT
fsr-3370	301	1	specifically	specifically	ADV
fsr-3370	301	2	,	,	PUNCT
fsr-3370	301	3	the	the	DET
fsr-3370	301	4	conceptual	conceptual	ADJ
fsr-3370	301	5	model	model	NOUN
fsr-3370	301	6	was	be	AUX
fsr-3370	301	7	tested	test	VERB
fsr-3370	301	8	using	use	VERB
fsr-3370	301	9	a	a	DET
fsr-3370	301	10	multinomial	multinomial	ADJ
fsr-3370	301	11	logistic	logistic	ADJ
fsr-3370	301	12	linear	linear	ADJ
fsr-3370	301	13	regression	regression	NOUN
fsr-3370	301	14	with	with	ADP
fsr-3370	301	15	the	the	DET
fsr-3370	301	16	dependent	dependent	ADJ
fsr-3370	301	17	variable	variable	NOUN
fsr-3370	301	18	separated	separate	VERB
fsr-3370	301	19	into	into	ADP
fsr-3370	301	20	three	three	NUM
fsr-3370	301	21	different	different	ADJ
fsr-3370	301	22	binary	binary	ADJ
fsr-3370	301	23	categories	category	NOUN
fsr-3370	301	24	:	:	PUNCT
fsr-3370	301	25	decrease	decrease	NOUN
fsr-3370	301	26	in	in	ADP
fsr-3370	301	27	risk	risk	NOUN
fsr-3370	301	28	score	score	NOUN
fsr-3370	301	29	,	,	PUNCT
fsr-3370	301	30	stable	stable	ADJ
fsr-3370	301	31	risk	risk	NOUN
fsr-3370	301	32	score	score	NOUN
fsr-3370	301	33	,	,	PUNCT
fsr-3370	301	34	and	and	CCONJ
fsr-3370	301	35	increase	increase	VERB
fsr-3370	301	36	in	in	ADP
fsr-3370	301	37	risk	risk	NOUN
fsr-3370	301	38	score	score	NOUN
fsr-3370	301	39	.	.	PUNCT
fsr-3370	302	1	the	the	DET
fsr-3370	302	2	model	model	NOUN
fsr-3370	302	3	was	be	AUX
fsr-3370	302	4	used	use	VERB
fsr-3370	302	5	to	to	PART
fsr-3370	302	6	evaluate	evaluate	VERB
fsr-3370	302	7	the	the	DET
fsr-3370	302	8	change	change	NOUN
fsr-3370	302	9	of	of	ADP
fsr-3370	302	10	those	those	PRON
fsr-3370	302	11	whose	whose	DET
fsr-3370	302	12	rts	rt	NOUN
fsr-3370	302	13	decreased	decrease	VERB
fsr-3370	302	14	and	and	CCONJ
fsr-3370	302	15	those	those	PRON
fsr-3370	302	16	whose	whose	DET
fsr-3370	302	17	rts	rt	NOUN
fsr-3370	302	18	increased	increase	VERB
fsr-3370	302	19	across	across	ADP
fsr-3370	302	20	time	time	NOUN
fsr-3370	302	21	relative	relative	ADJ
fsr-3370	302	22	to	to	ADP
fsr-3370	302	23	respondents	respondent	NOUN
fsr-3370	302	24	with	with	ADP
fsr-3370	302	25	stable	stable	ADJ
fsr-3370	302	26	scores	score	NOUN
fsr-3370	302	27	.	.	PUNCT
fsr-3370	303	1	the	the	DET
fsr-3370	303	2	results	result	NOUN
fsr-3370	303	3	provided	provide	VERB
fsr-3370	303	4	clarity	clarity	NOUN
fsr-3370	303	5	to	to	PART
fsr-3370	303	6	which	which	PRON
fsr-3370	303	7	,	,	PUNCT
fsr-3370	303	8	if	if	SCONJ
fsr-3370	303	9	any	any	PRON
fsr-3370	303	10	,	,	PUNCT
fsr-3370	303	11	variables	variable	NOUN
fsr-3370	303	12	uniquely	uniquely	ADV
fsr-3370	303	13	influenced	influence	VERB
fsr-3370	303	14	a	a	DET
fsr-3370	303	15	respondent	respondent	NOUN
fsr-3370	303	16	’s	’s	PART
fsr-3370	303	17	change	change	NOUN
fsr-3370	303	18	in	in	ADP
fsr-3370	303	19	frt	frt	NOUN
fsr-3370	303	20	across	across	ADP
fsr-3370	303	21	time	time	NOUN
fsr-3370	303	22	.	.	PUNCT
fsr-3370	304	1	5	5	X
fsr-3370	304	2	.	.	X
fsr-3370	304	3	results	result	VERB
fsr-3370	304	4	the	the	DET
fsr-3370	304	5	first	first	ADJ
fsr-3370	304	6	step	step	NOUN
fsr-3370	304	7	in	in	ADP
fsr-3370	304	8	the	the	DET
fsr-3370	304	9	analysis	analysis	NOUN
fsr-3370	304	10	involved	involve	VERB
fsr-3370	304	11	testing	testing	NOUN
fsr-3370	304	12	for	for	ADP
fsr-3370	304	13	possible	possible	ADJ
fsr-3370	304	14	multicollinearity	multicollinearity	NOUN
fsr-3370	304	15	among	among	ADP
fsr-3370	304	16	the	the	DET
fsr-3370	304	17	independent	independent	ADJ
fsr-3370	304	18	variables	variable	NOUN
fsr-3370	304	19	.	.	PUNCT
fsr-3370	305	1	this	this	DET
fsr-3370	305	2	test	test	NOUN
fsr-3370	305	3	was	be	AUX
fsr-3370	305	4	conducted	conduct	VERB
fsr-3370	305	5	using	use	VERB
fsr-3370	305	6	a	a	DET
fsr-3370	305	7	correlation	correlation	NOUN
fsr-3370	305	8	analysis	analysis	NOUN
fsr-3370	305	9	.	.	PUNCT
fsr-3370	306	1	the	the	DET
fsr-3370	306	2	associations	association	NOUN
fsr-3370	306	3	between	between	ADP
fsr-3370	306	4	and	and	CCONJ
fsr-3370	306	5	among	among	ADP
fsr-3370	306	6	the	the	DET
fsr-3370	306	7	biopsychosocial	biopsychosocial	ADJ
fsr-3370	306	8	and	and	CCONJ
fsr-3370	306	9	environmental	environmental	ADJ
fsr-3370	306	10	factors	factor	NOUN
fsr-3370	306	11	were	be	AUX
fsr-3370	306	12	not	not	PART
fsr-3370	306	13	particularly	particularly	ADV
fsr-3370	306	14	table	table	NOUN
fsr-3370	306	15	3	3	NUM
fsr-3370	306	16	social	social	ADJ
fsr-3370	306	17	support	support	NOUN
fsr-3370	306	18	by	by	ADP
fsr-3370	306	19	country	country	NOUN
fsr-3370	306	20	country	country	NOUN
fsr-3370	306	21	social	social	ADJ
fsr-3370	306	22	support	support	NOUN
fsr-3370	306	23	(	(	PUNCT
fsr-3370	306	24	%	%	INTJ
fsr-3370	306	25	gdp	gdp	PROPN
fsr-3370	306	26	)	)	PUNCT
fsr-3370	306	27	united	united	PROPN
fsr-3370	306	28	kingdom	kingdom	PROPN
fsr-3370	306	29	21.7	21.7	NUM
fsr-3370	306	30	%	%	NOUN
fsr-3370	306	31	united	united	PROPN
fsr-3370	306	32	states	states	PROPN
fsr-3370	306	33	19.2	19.2	NUM
fsr-3370	306	34	%	%	NOUN
fsr-3370	306	35	australia	australia	PROPN
fsr-3370	306	36	19.0	19.0	NUM
fsr-3370	306	37	%	%	NOUN
fsr-3370	306	38	gdp	gdp	NOUN
fsr-3370	306	39	�	�	PROPN
fsr-3370	306	40	gross	gross	ADJ
fsr-3370	306	41	domestic	domestic	ADJ
fsr-3370	306	42	product	product	NOUN
fsr-3370	306	43	.	.	PUNCT
fsr-3370	307	1	329s	329s	NOUN
fsr-3370	307	2	.	.	PUNCT
fsr-3370	308	1	kuzniak	kuzniak	PROPN
fsr-3370	308	2	,	,	PUNCT
fsr-3370	308	3	j.e	j.e	PROPN
fsr-3370	308	4	.	.	PROPN
fsr-3370	308	5	grable	grable	PROPN
fsr-3370	308	6	/	/	SYM
fsr-3370	308	7	financial	financial	ADJ
fsr-3370	308	8	services	service	NOUN
fsr-3370	308	9	review	review	VERB
fsr-3370	308	10	26	26	NUM
fsr-3370	308	11	(	(	PUNCT
fsr-3370	308	12	2017	2017	NUM
fsr-3370	308	13	)	)	PUNCT
fsr-3370	308	14	315–338	315–338	NUM
fsr-3370	308	15	high	high	ADJ
fsr-3370	308	16	.	.	PUNCT
fsr-3370	309	1	on	on	ADP
fsr-3370	309	2	the	the	DET
fsr-3370	309	3	other	other	ADJ
fsr-3370	309	4	hand	hand	NOUN
fsr-3370	309	5	,	,	PUNCT
fsr-3370	309	6	the	the	DET
fsr-3370	309	7	correlations	correlation	NOUN
fsr-3370	309	8	among	among	ADP
fsr-3370	309	9	some	some	PRON
fsr-3370	309	10	of	of	ADP
fsr-3370	309	11	the	the	DET
fsr-3370	309	12	macroeconomic	macroeconomic	ADJ
fsr-3370	309	13	variables	variable	NOUN
fsr-3370	309	14	were	be	AUX
fsr-3370	309	15	quite	quite	ADV
fsr-3370	309	16	high	high	ADJ
fsr-3370	309	17	,	,	PUNCT
fsr-3370	309	18	as	as	SCONJ
fsr-3370	309	19	shown	show	VERB
fsr-3370	309	20	in	in	ADP
fsr-3370	309	21	table	table	NOUN
fsr-3370	309	22	5	5	NUM
fsr-3370	309	23	.	.	PUNCT
fsr-3370	309	24	as	as	SCONJ
fsr-3370	309	25	shown	show	VERB
fsr-3370	309	26	in	in	ADP
fsr-3370	309	27	table	table	NOUN
fsr-3370	309	28	5	5	NUM
fsr-3370	309	29	,	,	PUNCT
fsr-3370	309	30	worldwide	worldwide	ADJ
fsr-3370	309	31	gdp	gdp	NOUN
fsr-3370	309	32	and	and	CCONJ
fsr-3370	309	33	investment	investment	NOUN
fsr-3370	309	34	markets	market	NOUN
fsr-3370	309	35	were	be	AUX
fsr-3370	309	36	highly	highly	ADV
fsr-3370	309	37	correlated	correlate	VERB
fsr-3370	309	38	during	during	ADP
fsr-3370	309	39	the	the	DET
fsr-3370	309	40	period	period	NOUN
fsr-3370	309	41	of	of	ADP
fsr-3370	309	42	analysis	analysis	NOUN
fsr-3370	309	43	.	.	PUNCT
fsr-3370	310	1	the	the	DET
fsr-3370	310	2	correlation	correlation	NOUN
fsr-3370	310	3	between	between	ADP
fsr-3370	310	4	us	us	PROPN
fsr-3370	310	5	gdp	gdp	NOUN
fsr-3370	310	6	and	and	CCONJ
fsr-3370	310	7	uk	uk	PROPN
fsr-3370	310	8	and	and	CCONJ
fsr-3370	310	9	au	au	PROPN
fsr-3370	310	10	gdp	gdp	NOUN
fsr-3370	310	11	was	be	AUX
fsr-3370	310	12	0.98	0.98	NUM
fsr-3370	310	13	and	and	CCONJ
fsr-3370	310	14	1.00	1.00	NUM
fsr-3370	310	15	,	,	PUNCT
fsr-3370	310	16	respectively	respectively	ADV
fsr-3370	310	17	.	.	PUNCT
fsr-3370	311	1	given	give	VERB
fsr-3370	311	2	the	the	DET
fsr-3370	311	3	high	high	ADJ
fsr-3370	311	4	correlations	correlation	NOUN
fsr-3370	311	5	among	among	ADP
fsr-3370	311	6	these	these	DET
fsr-3370	311	7	variables	variable	NOUN
fsr-3370	311	8	,	,	PUNCT
fsr-3370	311	9	composite	composite	ADJ
fsr-3370	311	10	variables	variable	NOUN
fsr-3370	311	11	based	base	VERB
fsr-3370	311	12	on	on	ADP
fsr-3370	311	13	each	each	DET
fsr-3370	311	14	country	country	NOUN
fsr-3370	311	15	’s	’s	PART
fsr-3370	311	16	data	datum	NOUN
fsr-3370	311	17	were	be	AUX
fsr-3370	311	18	created	create	VERB
fsr-3370	311	19	.	.	PUNCT
fsr-3370	312	1	the	the	DET
fsr-3370	312	2	correlations	correlation	NOUN
fsr-3370	312	3	among	among	ADP
fsr-3370	312	4	these	these	DET
fsr-3370	312	5	new	new	ADJ
fsr-3370	312	6	variables	variable	NOUN
fsr-3370	312	7	are	be	AUX
fsr-3370	312	8	show	show	NOUN
fsr-3370	312	9	in	in	ADP
fsr-3370	312	10	table	table	NOUN
fsr-3370	312	11	6	6	NUM
fsr-3370	312	12	.	.	PUNCT
fsr-3370	313	1	unemployment	unemployment	NOUN
fsr-3370	313	2	and	and	CCONJ
fsr-3370	313	3	gross	gross	ADJ
fsr-3370	313	4	domestic	domestic	ADJ
fsr-3370	313	5	product	product	NOUN
fsr-3370	313	6	were	be	AUX
fsr-3370	313	7	correlated	correlate	VERB
fsr-3370	313	8	at	at	ADP
fsr-3370	313	9	almost	almost	ADV
fsr-3370	313	10	–	–	PUNCT
fsr-3370	313	11	1.00	1.00	NUM
fsr-3370	313	12	.	.	PUNCT
fsr-3370	314	1	overall	overall	ADJ
fsr-3370	314	2	,	,	PUNCT
fsr-3370	314	3	the	the	DET
fsr-3370	314	4	high	high	ADJ
fsr-3370	314	5	degree	degree	NOUN
fsr-3370	314	6	of	of	ADP
fsr-3370	314	7	correlation	correlation	NOUN
fsr-3370	314	8	,	,	PUNCT
fsr-3370	314	9	as	as	ADV
fsr-3370	314	10	defined	define	VERB
fsr-3370	314	11	as	as	ADP
fsr-3370	314	12	a	a	DET
fsr-3370	314	13	coefficient	coefficient	NOUN
fsr-3370	314	14	over	over	ADP
fsr-3370	314	15	0.70	0.70	NUM
fsr-3370	314	16	(	(	PUNCT
fsr-3370	314	17	tabachnick	tabachnick	NOUN
fsr-3370	314	18	,	,	PUNCT
fsr-3370	314	19	fidell	fidell	NOUN
fsr-3370	314	20	,	,	PUNCT
fsr-3370	314	21	and	and	CCONJ
fsr-3370	314	22	osterlind	osterlind	PROPN
fsr-3370	314	23	,	,	PUNCT
fsr-3370	314	24	2007	2007	NUM
fsr-3370	314	25	)	)	PUNCT
fsr-3370	314	26	indicated	indicate	VERB
fsr-3370	314	27	a	a	DET
fsr-3370	314	28	potential	potential	ADJ
fsr-3370	314	29	multicollinearity	multicollinearity	NOUN
fsr-3370	314	30	issue	issue	NOUN
fsr-3370	314	31	.	.	PUNCT
fsr-3370	315	1	because	because	SCONJ
fsr-3370	315	2	gdp	gdp	NOUN
fsr-3370	315	3	tends	tend	VERB
fsr-3370	315	4	to	to	PART
fsr-3370	315	5	be	be	AUX
fsr-3370	315	6	the	the	DET
fsr-3370	315	7	primary	primary	ADJ
fsr-3370	315	8	indicator	indicator	NOUN
fsr-3370	315	9	of	of	ADP
fsr-3370	315	10	economic	economic	ADJ
fsr-3370	315	11	activity	activity	NOUN
fsr-3370	315	12	,	,	PUNCT
fsr-3370	315	13	this	this	DET
fsr-3370	315	14	variable	variable	NOUN
fsr-3370	315	15	was	be	AUX
fsr-3370	315	16	chosen	choose	VERB
fsr-3370	315	17	to	to	PART
fsr-3370	315	18	be	be	AUX
fsr-3370	315	19	included	include	VERB
fsr-3370	315	20	in	in	ADP
fsr-3370	315	21	the	the	DET
fsr-3370	315	22	model	model	NOUN
fsr-3370	315	23	.	.	PUNCT
fsr-3370	316	1	to	to	PART
fsr-3370	316	2	build	build	VERB
fsr-3370	316	3	the	the	DET
fsr-3370	316	4	multinomial	multinomial	ADJ
fsr-3370	316	5	logistic	logistic	ADJ
fsr-3370	316	6	model	model	NOUN
fsr-3370	316	7	,	,	PUNCT
fsr-3370	316	8	study	study	NOUN
fsr-3370	316	9	participants	participant	NOUN
fsr-3370	316	10	were	be	AUX
fsr-3370	316	11	split	split	VERB
fsr-3370	316	12	into	into	ADP
fsr-3370	316	13	three	three	NUM
fsr-3370	316	14	unique	unique	ADJ
fsr-3370	316	15	groups	group	NOUN
fsr-3370	316	16	.	.	PUNCT
fsr-3370	317	1	the	the	DET
fsr-3370	317	2	first	first	ADJ
fsr-3370	317	3	split	split	NOUN
fsr-3370	317	4	included	include	VERB
fsr-3370	317	5	respondents	respondent	NOUN
fsr-3370	317	6	who	who	PRON
fsr-3370	317	7	exhibited	exhibit	VERB
fsr-3370	317	8	a	a	DET
fsr-3370	317	9	significant	significant	ADJ
fsr-3370	317	10	decrease	decrease	NOUN
fsr-3370	317	11	in	in	ADP
fsr-3370	317	12	their	their	PRON
fsr-3370	317	13	rts	rt	NOUN
fsr-3370	317	14	(	(	PUNCT
fsr-3370	317	15	n	n	X
fsr-3370	317	16	�	�	PROPN
fsr-3370	317	17	938	938	NUM
fsr-3370	317	18	)	)	PUNCT
fsr-3370	317	19	.	.	PUNCT
fsr-3370	318	1	the	the	DET
fsr-3370	318	2	second	second	ADJ
fsr-3370	318	3	split	split	NOUN
fsr-3370	318	4	was	be	AUX
fsr-3370	318	5	based	base	VERB
fsr-3370	318	6	on	on	ADP
fsr-3370	318	7	respondents	respondent	NOUN
fsr-3370	318	8	who	who	PRON
fsr-3370	318	9	exhibited	exhibit	VERB
fsr-3370	318	10	a	a	DET
fsr-3370	318	11	significant	significant	ADJ
fsr-3370	318	12	increase	increase	NOUN
fsr-3370	318	13	in	in	ADP
fsr-3370	318	14	their	their	PRON
fsr-3370	318	15	rts	rt	NOUN
fsr-3370	318	16	(	(	PUNCT
fsr-3370	318	17	n	n	X
fsr-3370	318	18	�	�	PROPN
fsr-3370	318	19	1,355	1,355	NUM
fsr-3370	318	20	)	)	PUNCT
fsr-3370	318	21	.	.	PUNCT
fsr-3370	319	1	the	the	DET
fsr-3370	319	2	third	third	ADJ
fsr-3370	319	3	group	group	NOUN
fsr-3370	319	4	included	include	VERB
fsr-3370	319	5	those	those	PRON
fsr-3370	319	6	with	with	ADP
fsr-3370	319	7	a	a	DET
fsr-3370	319	8	nonsignificant	nonsignificant	ADJ
fsr-3370	319	9	change	change	NOUN
fsr-3370	319	10	in	in	ADP
fsr-3370	319	11	their	their	PRON
fsr-3370	319	12	rts	rt	NOUN
fsr-3370	319	13	(	(	PUNCT
fsr-3370	319	14	n	n	X
fsr-3370	319	15	�	�	PROPN
fsr-3370	319	16	7,399	7,399	NUM
fsr-3370	319	17	)	)	PUNCT
fsr-3370	319	18	.	.	PUNCT
fsr-3370	320	1	after	after	ADP
fsr-3370	320	2	separating	separate	VERB
fsr-3370	320	3	out	out	ADP
fsr-3370	320	4	the	the	DET
fsr-3370	320	5	groups	group	NOUN
fsr-3370	320	6	,	,	PUNCT
fsr-3370	320	7	specific	specific	ADJ
fsr-3370	320	8	factors	factor	NOUN
fsr-3370	320	9	were	be	AUX
fsr-3370	320	10	identified	identify	VERB
fsr-3370	320	11	to	to	PART
fsr-3370	320	12	examine	examine	VERB
fsr-3370	320	13	the	the	DET
fsr-3370	320	14	differences	difference	NOUN
fsr-3370	320	15	associated	associate	VERB
fsr-3370	320	16	with	with	ADP
fsr-3370	320	17	changes	change	NOUN
fsr-3370	320	18	in	in	ADP
fsr-3370	320	19	frt	frt	NOUN
fsr-3370	320	20	,	,	PUNCT
fsr-3370	320	21	using	use	VERB
fsr-3370	320	22	the	the	DET
fsr-3370	320	23	stable	stable	ADJ
fsr-3370	320	24	group	group	NOUN
fsr-3370	320	25	as	as	ADP
fsr-3370	320	26	the	the	DET
fsr-3370	320	27	reference	reference	NOUN
fsr-3370	320	28	category	category	NOUN
fsr-3370	320	29	.	.	PUNCT
fsr-3370	321	1	table	table	NOUN
fsr-3370	321	2	4	4	NUM
fsr-3370	321	3	descriptive	descriptive	ADJ
fsr-3370	321	4	summary	summary	NOUN
fsr-3370	321	5	of	of	ADP
fsr-3370	321	6	the	the	DET
fsr-3370	321	7	independent	independent	ADJ
fsr-3370	321	8	variables	variable	NOUN
fsr-3370	321	9	variable	variable	NOUN
fsr-3370	321	10	n	n	PRON
fsr-3370	321	11	mean	mean	VERB
fsr-3370	321	12	/	/	SYM
fsr-3370	321	13	median	median	ADJ
fsr-3370	321	14	standard	standard	ADJ
fsr-3370	321	15	deviation	deviation	NOUN
fsr-3370	321	16	min	min	NOUN
fsr-3370	321	17	max	max	PROPN
fsr-3370	321	18	rts_1	rts_1	ADP
fsr-3370	321	19	9,692	9,692	NUM
fsr-3370	321	20	47.4	47.4	NUM
fsr-3370	321	21	9.51	9.51	NUM
fsr-3370	321	22	14	14	NUM
fsr-3370	321	23	93	93	NUM
fsr-3370	321	24	rts_2	rts_2	NOUN
fsr-3370	321	25	9,692	9,692	NUM
fsr-3370	321	26	48.1	48.1	NUM
fsr-3370	321	27	9.61	9.61	NUM
fsr-3370	321	28	15	15	NUM
fsr-3370	321	29	95	95	NUM
fsr-3370	321	30	�	�	PROPN
fsr-3370	321	31	in	in	ADP
fsr-3370	321	32	rts	rt	NOUN
fsr-3370	321	33	9,692	9,692	NUM
fsr-3370	321	34	.63	.63	NUM
fsr-3370	321	35	6.13	6.13	NUM
fsr-3370	321	36	�	�	PROPN
fsr-3370	321	37	36	36	NUM
fsr-3370	321	38	48	48	NUM
fsr-3370	321	39	days	day	NOUN
fsr-3370	321	40	between	between	ADP
fsr-3370	321	41	tests	test	NOUN
fsr-3370	321	42	9,692	9,692	NUM
fsr-3370	321	43	805.0	805.0	NUM
fsr-3370	321	44	388.70	388.70	NUM
fsr-3370	321	45	0	0	NUM
fsr-3370	321	46	1985	1985	NUM
fsr-3370	321	47	education	education	NOUN
fsr-3370	321	48	6,113	6,113	NUM
fsr-3370	321	49	3.1	3.1	NUM
fsr-3370	321	50	1.09	1.09	NUM
fsr-3370	321	51	1	1	NUM
fsr-3370	321	52	4	4	NUM
fsr-3370	321	53	income	income	NOUN
fsr-3370	321	54	6,143	6,143	NUM
fsr-3370	321	55	3.2	3.2	NUM
fsr-3370	321	56	1.26	1.26	NUM
fsr-3370	321	57	1	1	NUM
fsr-3370	321	58	6	6	NUM
fsr-3370	321	59	household	household	NOUN
fsr-3370	321	60	size	size	NOUN
fsr-3370	321	61	6,023	6,023	NUM
fsr-3370	321	62	1.2	1.2	NUM
fsr-3370	321	63	1.28	1.28	NUM
fsr-3370	321	64	1	1	NUM
fsr-3370	321	65	9	9	NUM
fsr-3370	321	66	net	net	NOUN
fsr-3370	321	67	worth	worth	ADJ
fsr-3370	321	68	6,083	6,083	NUM
fsr-3370	321	69	7.2	7.2	NUM
fsr-3370	321	70	1.49	1.49	NUM
fsr-3370	321	71	1	1	NUM
fsr-3370	321	72	10	10	NUM
fsr-3370	321	73	age	age	NOUN
fsr-3370	321	74	7,722	7,722	NUM
fsr-3370	321	75	57.8	57.8	NUM
fsr-3370	321	76	11.30	11.30	NUM
fsr-3370	321	77	18	18	NUM
fsr-3370	321	78	93	93	NUM
fsr-3370	321	79	gender	gender	NOUN
fsr-3370	321	80	9,692	9,692	NUM
fsr-3370	321	81	male	male	NOUN
fsr-3370	321	82	5,285	5,285	NUM
fsr-3370	321	83	54.6	54.6	NUM
fsr-3370	321	84	n.a	n.a	PROPN
fsr-3370	321	85	.	.	PROPN
fsr-3370	321	86	0	0	NUM
fsr-3370	321	87	1	1	NUM
fsr-3370	321	88	female	female	NOUN
fsr-3370	321	89	4,407	4,407	NUM
fsr-3370	321	90	45.4	45.4	NUM
fsr-3370	321	91	n.a	n.a	PROPN
fsr-3370	321	92	.	.	PROPN
fsr-3370	321	93	0	0	NUM
fsr-3370	321	94	2	2	NUM
fsr-3370	321	95	marital	marital	ADJ
fsr-3370	321	96	status	status	NOUN
fsr-3370	321	97	9,692	9,692	NUM
fsr-3370	321	98	married	marry	VERB
fsr-3370	321	99	5,174	5,174	NUM
fsr-3370	321	100	83.2	83.2	NUM
fsr-3370	321	101	n.a	n.a	PROPN
fsr-3370	321	102	.	.	PROPN
fsr-3370	321	103	0	0	NUM
fsr-3370	321	104	1	1	NUM
fsr-3370	321	105	us	us	PROPN
fsr-3370	321	106	gdp	gdp	NOUN
fsr-3370	321	107	9,692	9,692	NUM
fsr-3370	321	108	$	$	SYM
fsr-3370	321	109	15,741.6	15,741.6	NUM
fsr-3370	321	110	657.23	657.23	NUM
fsr-3370	321	111	$	$	SYM
fsr-3370	321	112	14,681	14,681	NUM
fsr-3370	321	113	$	$	SYM
fsr-3370	321	114	17,914	17,914	NUM
fsr-3370	321	115	aus	aus	PROPN
fsr-3370	321	116	gdp	gdp	NOUN
fsr-3370	321	117	9,692	9,692	NUM
fsr-3370	321	118	$	$	SYM
fsr-3370	321	119	1,392.1	1,392.1	NUM
fsr-3370	321	120	44.96	44.96	NUM
fsr-3370	321	121	$	$	SYM
fsr-3370	321	122	1,326	1,326	NUM
fsr-3370	321	123	$	$	SYM
fsr-3370	321	124	1,522	1,522	NUM
fsr-3370	321	125	uk	uk	PROPN
fsr-3370	321	126	gdp	gdp	NOUN
fsr-3370	321	127	9,692	9,692	NUM
fsr-3370	321	128	$	$	SYM
fsr-3370	321	129	2,611.8	2,611.8	NUM
fsr-3370	321	130	53.11	53.11	NUM
fsr-3370	321	131	$	$	SYM
fsr-3370	321	132	2,528	2,528	NUM
fsr-3370	321	133	$	$	SYM
fsr-3370	321	134	2,823	2,823	NUM
fsr-3370	321	135	us	us	PROPN
fsr-3370	321	136	commodity	commodity	NOUN
fsr-3370	321	137	9,692	9,692	NUM
fsr-3370	321	138	29.9	29.9	NUM
fsr-3370	321	139	3.37	3.37	NUM
fsr-3370	321	140	21	21	NUM
fsr-3370	321	141	36	36	NUM
fsr-3370	321	142	us	us	PROPN
fsr-3370	321	143	market	market	NOUN
fsr-3370	321	144	9,692	9,692	NUM
fsr-3370	321	145	$	$	SYM
fsr-3370	321	146	1,339.8	1,339.8	NUM
fsr-3370	321	147	203.99	203.99	NUM
fsr-3370	321	148	$	$	SYM
fsr-3370	321	149	1,031	1,031	NUM
fsr-3370	321	150	$	$	SYM
fsr-3370	321	151	2,107	2,107	NUM
fsr-3370	321	152	uk	uk	PROPN
fsr-3370	321	153	market	market	NOUN
fsr-3370	321	154	9,692	9,692	NUM
fsr-3370	321	155	£	£	SYM
fsr-3370	321	156	3,079.3	3,079.3	NUM
fsr-3370	321	157	258.18	258.18	NUM
fsr-3370	321	158	£	£	SYM
fsr-3370	321	159	2,598	2,598	NUM
fsr-3370	321	160	£	£	SYM
fsr-3370	321	161	3,862	3,862	NUM
fsr-3370	321	162	aus	aus	NOUN
fsr-3370	321	163	market	market	NOUN
fsr-3370	321	164	9,692	9,692	NUM
fsr-3370	321	165	aus$4,596.8	aus$4,596.8	X
fsr-3370	321	166	355.29	355.29	NUM
fsr-3370	321	167	aus$4,009	aus$4,009	X
fsr-3370	321	168	aus$5,929	aus$5,929	PRON
fsr-3370	321	169	us	we	PRON
fsr-3370	321	170	unemployment	unemployment	NOUN
fsr-3370	321	171	9,692	9,692	NUM
fsr-3370	321	172	8.6	8.6	NUM
fsr-3370	321	173	%	%	NOUN
fsr-3370	321	174	0.89	0.89	NUM
fsr-3370	321	175	5	5	NUM
fsr-3370	321	176	%	%	NOUN
fsr-3370	321	177	10	10	NUM
fsr-3370	321	178	%	%	NOUN
fsr-3370	321	179	uk	uk	PROPN
fsr-3370	321	180	unemployment	unemployment	NOUN
fsr-3370	321	181	9,692	9,692	NUM
fsr-3370	321	182	7.9	7.9	NUM
fsr-3370	321	183	%	%	NOUN
fsr-3370	321	184	0.40	0.40	NUM
fsr-3370	321	185	6	6	NUM
fsr-3370	321	186	%	%	NOUN
fsr-3370	321	187	9	9	NUM
fsr-3370	321	188	%	%	NOUN
fsr-3370	321	189	aus	aus	NOUN
fsr-3370	321	190	unemployment	unemployment	NOUN
fsr-3370	321	191	9,692	9,692	NUM
fsr-3370	321	192	5.2	5.2	NUM
fsr-3370	321	193	%	%	NOUN
fsr-3370	321	194	0.27	0.27	NUM
fsr-3370	321	195	5	5	NUM
fsr-3370	321	196	%	%	NOUN
fsr-3370	321	197	6	6	NUM
fsr-3370	321	198	%	%	NOUN
fsr-3370	321	199	rts	rt	NOUN
fsr-3370	321	200	�	�	PROPN
fsr-3370	321	201	risk	risk	NOUN
fsr-3370	321	202	-	-	PUNCT
fsr-3370	321	203	tolerance	tolerance	NOUN
fsr-3370	321	204	score	score	NOUN
fsr-3370	321	205	;	;	PUNCT
fsr-3370	321	206	gdp	gdp	NOUN
fsr-3370	321	207	�	�	PROPN
fsr-3370	321	208	gross	gross	ADJ
fsr-3370	321	209	domestic	domestic	ADJ
fsr-3370	321	210	product	product	NOUN
fsr-3370	321	211	;	;	PUNCT
fsr-3370	321	212	us	us	PROPN
fsr-3370	321	213	�	�	PROPN
fsr-3370	321	214	united	united	PROPN
fsr-3370	321	215	states	states	PROPN
fsr-3370	321	216	;	;	PUNCT
fsr-3370	321	217	aus	aus	PROPN
fsr-3370	321	218	�	�	PROPN
fsr-3370	321	219	australia	australia	PROPN
fsr-3370	321	220	;	;	PUNCT
fsr-3370	321	221	uk	uk	PROPN
fsr-3370	321	222	�	�	PROPN
fsr-3370	321	223	united	united	PROPN
fsr-3370	321	224	kingdom	kingdom	PROPN
fsr-3370	321	225	.	.	PUNCT
fsr-3370	322	1	330	330	NUM
fsr-3370	322	2	s.	s.	PROPN
fsr-3370	322	3	kuzniak	kuzniak	PROPN
fsr-3370	322	4	,	,	PUNCT
fsr-3370	322	5	j.e	j.e	PROPN
fsr-3370	322	6	.	.	PROPN
fsr-3370	322	7	grable	grable	PROPN
fsr-3370	322	8	/	/	SYM
fsr-3370	322	9	financial	financial	ADJ
fsr-3370	322	10	services	service	NOUN
fsr-3370	322	11	review	review	VERB
fsr-3370	322	12	26	26	NUM
fsr-3370	322	13	(	(	PUNCT
fsr-3370	322	14	2017	2017	NUM
fsr-3370	322	15	)	)	PUNCT
fsr-3370	323	1	315–338	315–338	NUM
fsr-3370	323	2	t	t	NOUN
fsr-3370	323	3	ab	ab	X
fsr-3370	323	4	le	le	PROPN
fsr-3370	323	5	5	5	NUM
fsr-3370	323	6	m	m	NOUN
fsr-3370	323	7	ac	ac	NOUN
fsr-3370	323	8	ro	ro	PROPN
fsr-3370	323	9	ec	ec	PROPN
fsr-3370	323	10	on	on	ADP
fsr-3370	323	11	om	om	PROPN
fsr-3370	323	12	ic	ic	PROPN
fsr-3370	323	13	va	va	PROPN
fsr-3370	323	14	ri	ri	PROPN
fsr-3370	323	15	ab	ab	PROPN
fsr-3370	323	16	le	le	PROPN
fsr-3370	323	17	s	s	PROPN
fsr-3370	324	1	co	co	PROPN
fsr-3370	324	2	rr	rr	PROPN
fsr-3370	324	3	el	el	PROPN
fsr-3370	324	4	at	at	ADP
fsr-3370	324	5	io	io	PROPN
fsr-3370	324	6	n	n	ADV
fsr-3370	324	7	ta	ta	X
fsr-3370	324	8	bl	bl	PROPN
fsr-3370	324	9	e	e	X
fsr-3370	324	10	u	u	PROPN
fsr-3370	324	11	s	s	PROPN
fsr-3370	324	12	g	g	PROPN
fsr-3370	324	13	d	d	X
fsr-3370	324	14	p	p	X
fsr-3370	324	15	u	u	NOUN
fsr-3370	324	16	k	k	PROPN
fsr-3370	324	17	g	g	PROPN
fsr-3370	325	1	d	d	PROPN
fsr-3370	325	2	p	p	X
fsr-3370	325	3	a	a	DET
fsr-3370	325	4	u	u	NOUN
fsr-3370	325	5	s	s	PROPN
fsr-3370	325	6	g	g	NOUN
fsr-3370	325	7	d	d	X
fsr-3370	325	8	p	p	X
fsr-3370	325	9	u	u	PROPN
fsr-3370	325	10	s	s	PROPN
fsr-3370	325	11	m	m	PROPN
fsr-3370	325	12	ar	ar	NOUN
fsr-3370	325	13	ke	ke	PROPN
fsr-3370	325	14	t	t	PROPN
fsr-3370	325	15	u	u	X
fsr-3370	325	16	k	k	PROPN
fsr-3370	325	17	m	m	PROPN
fsr-3370	325	18	ar	ar	PROPN
fsr-3370	325	19	ke	ke	PROPN
fsr-3370	325	20	t	t	PROPN
fsr-3370	325	21	a	a	DET
fsr-3370	325	22	u	u	PROPN
fsr-3370	325	23	s	s	NOUN
fsr-3370	325	24	m	m	PROPN
fsr-3370	325	25	ar	ar	NOUN
fsr-3370	325	26	ke	ke	PROPN
fsr-3370	325	27	t	t	PROPN
fsr-3370	325	28	c	c	PROPN
fsr-3370	326	1	om	om	PROPN
fsr-3370	326	2	m	m	PROPN
fsr-3370	326	3	od	od	PROPN
fsr-3370	326	4	ity	ity	PROPN
fsr-3370	326	5	in	in	ADP
fsr-3370	326	6	de	de	X
fsr-3370	326	7	x	x	SYM
fsr-3370	326	8	u	u	PROPN
fsr-3370	326	9	s	s	PROPN
fsr-3370	326	10	un	un	PROPN
fsr-3370	326	11	em	em	PRON
fsr-3370	326	12	pl	pl	PROPN
fsr-3370	326	13	oy	oy	PROPN
fsr-3370	326	14	m	m	PROPN
fsr-3370	326	15	en	en	ADP
fsr-3370	326	16	t	t	PROPN
fsr-3370	326	17	a	a	DET
fsr-3370	326	18	u	u	PROPN
fsr-3370	326	19	s	s	PART
fsr-3370	326	20	un	un	PROPN
fsr-3370	326	21	em	em	PRON
fsr-3370	326	22	pl	pl	PROPN
fsr-3370	326	23	oy	oy	PROPN
fsr-3370	326	24	m	m	PROPN
fsr-3370	326	25	en	en	ADP
fsr-3370	326	26	t	t	PROPN
fsr-3370	326	27	u	u	X
fsr-3370	327	1	k	k	PROPN
fsr-3370	327	2	un	un	PROPN
fsr-3370	327	3	em	em	PRON
fsr-3370	327	4	pl	pl	PROPN
fsr-3370	327	5	oy	oy	PROPN
fsr-3370	327	6	m	m	PROPN
fsr-3370	327	7	en	en	ADP
fsr-3370	327	8	t	t	X
fsr-3370	327	9	u	u	PROPN
fsr-3370	327	10	s	s	PROPN
fsr-3370	327	11	g	g	PROPN
fsr-3370	327	12	d	d	PROPN
fsr-3370	327	13	p	p	PROPN
fsr-3370	327	14	1	1	NUM
fsr-3370	327	15	.	.	PUNCT
fsr-3370	327	16	00	00	NUM
fsr-3370	327	17	0	0	NUM
fsr-3370	327	18	.	.	NOUN
fsr-3370	328	1	98	98	NUM
fsr-3370	328	2	1	1	NUM
fsr-3370	328	3	.	.	PUNCT
fsr-3370	328	4	00	00	NUM
fsr-3370	329	1	0	0	NUM
fsr-3370	329	2	.	.	PUNCT
fsr-3370	330	1	91	91	NUM
fsr-3370	330	2	0	0	NUM
fsr-3370	330	3	.	.	PUNCT
fsr-3370	331	1	75	75	NUM
fsr-3370	331	2	0	0	NUM
fsr-3370	331	3	.	.	X
fsr-3370	331	4	35	35	NUM
fsr-3370	331	5	�	�	PROPN
fsr-3370	331	6	0	0	NUM
fsr-3370	331	7	.	.	PROPN
fsr-3370	331	8	12	12	NUM
fsr-3370	331	9	�	�	PROPN
fsr-3370	331	10	0	0	NUM
fsr-3370	331	11	.	.	PROPN
fsr-3370	331	12	98	98	NUM
fsr-3370	331	13	0	0	NUM
fsr-3370	331	14	.	.	PUNCT
fsr-3370	332	1	65	65	NUM
fsr-3370	332	2	�	�	PROPN
fsr-3370	332	3	0	0	NUM
fsr-3370	332	4	.	.	PROPN
fsr-3370	332	5	45	45	NUM
fsr-3370	332	6	u	u	NOUN
fsr-3370	332	7	k	k	PROPN
fsr-3370	332	8	g	g	PROPN
fsr-3370	332	9	d	d	PROPN
fsr-3370	332	10	p	p	PROPN
fsr-3370	332	11	1	1	NUM
fsr-3370	332	12	.	.	PUNCT
fsr-3370	332	13	00	00	NUM
fsr-3370	332	14	0	0	NUM
fsr-3370	332	15	.	.	NUM
fsr-3370	332	16	97	97	NUM
fsr-3370	332	17	0	0	NUM
fsr-3370	332	18	.	.	PUNCT
fsr-3370	333	1	93	93	NUM
fsr-3370	333	2	0	0	NUM
fsr-3370	333	3	.	.	PUNCT
fsr-3370	334	1	80	80	NUM
fsr-3370	334	2	0	0	NUM
fsr-3370	334	3	.	.	X
fsr-3370	335	1	44	44	NUM
fsr-3370	335	2	�	�	PROPN
fsr-3370	335	3	0	0	NUM
fsr-3370	335	4	.	.	PROPN
fsr-3370	335	5	1	1	NUM
fsr-3370	335	6	�	�	PROPN
fsr-3370	335	7	0	0	NUM
fsr-3370	335	8	.	.	PROPN
fsr-3370	335	9	97	97	NUM
fsr-3370	335	10	0	0	NUM
fsr-3370	335	11	.	.	X
fsr-3370	335	12	70	70	NUM
fsr-3370	335	13	�	�	PROPN
fsr-3370	335	14	0	0	NUM
fsr-3370	335	15	.	.	PUNCT
fsr-3370	336	1	53	53	NUM
fsr-3370	336	2	a	a	DET
fsr-3370	336	3	u	u	NOUN
fsr-3370	336	4	s	s	PROPN
fsr-3370	336	5	g	g	NOUN
fsr-3370	336	6	d	d	X
fsr-3370	336	7	p	p	PROPN
fsr-3370	336	8	1	1	NUM
fsr-3370	336	9	.	.	PUNCT
fsr-3370	336	10	00	00	NUM
fsr-3370	336	11	0	0	NUM
fsr-3370	336	12	.	.	NUM
fsr-3370	336	13	89	89	NUM
fsr-3370	336	14	0	0	NUM
fsr-3370	336	15	.	.	PUNCT
fsr-3370	336	16	72	72	NUM
fsr-3370	336	17	0	0	NUM
fsr-3370	336	18	.	.	X
fsr-3370	336	19	31	31	NUM
fsr-3370	336	20	�	�	PROPN
fsr-3370	336	21	0	0	NUM
fsr-3370	336	22	.	.	PROPN
fsr-3370	336	23	14	14	NUM
fsr-3370	336	24	�	�	PROPN
fsr-3370	336	25	0	0	NUM
fsr-3370	336	26	.	.	PROPN
fsr-3370	336	27	98	98	NUM
fsr-3370	336	28	0	0	NUM
fsr-3370	336	29	.	.	PUNCT
fsr-3370	337	1	65	65	NUM
fsr-3370	337	2	�	�	PROPN
fsr-3370	337	3	0	0	NUM
fsr-3370	337	4	.	.	PROPN
fsr-3370	337	5	41	41	NUM
fsr-3370	337	6	u	u	NOUN
fsr-3370	337	7	s	s	NOUN
fsr-3370	337	8	m	m	PROPN
fsr-3370	337	9	ar	ar	NOUN
fsr-3370	337	10	ke	ke	PROPN
fsr-3370	337	11	t	t	PROPN
fsr-3370	337	12	1	1	NUM
fsr-3370	337	13	.	.	PUNCT
fsr-3370	337	14	00	00	NUM
fsr-3370	337	15	0	0	NUM
fsr-3370	337	16	.	.	PUNCT
fsr-3370	338	1	93	93	NUM
fsr-3370	338	2	0	0	NUM
fsr-3370	338	3	.	.	X
fsr-3370	339	1	66	66	NUM
fsr-3370	339	2	�	�	PROPN
fsr-3370	339	3	0	0	NUM
fsr-3370	339	4	.	.	PROPN
fsr-3370	339	5	07	07	NUM
fsr-3370	339	6	�	�	PROPN
fsr-3370	339	7	0	0	NUM
fsr-3370	339	8	.	.	PUNCT
fsr-3370	340	1	93	93	NUM
fsr-3370	340	2	0	0	NUM
fsr-3370	340	3	.	.	X
fsr-3370	341	1	71	71	NUM
fsr-3370	341	2	�	�	PROPN
fsr-3370	341	3	0	0	NUM
fsr-3370	341	4	.	.	PUNCT
fsr-3370	341	5	66	66	NUM
fsr-3370	341	6	u	u	NOUN
fsr-3370	341	7	k	k	PROPN
fsr-3370	341	8	m	m	PROPN
fsr-3370	341	9	ar	ar	PROPN
fsr-3370	341	10	ke	ke	PROPN
fsr-3370	341	11	t	t	PROPN
fsr-3370	341	12	1	1	NUM
fsr-3370	341	13	.	.	PUNCT
fsr-3370	341	14	00	00	NUM
fsr-3370	341	15	0	0	NUM
fsr-3370	341	16	.	.	PUNCT
fsr-3370	342	1	81	81	NUM
fsr-3370	342	2	0	0	NUM
fsr-3370	342	3	.	.	X
fsr-3370	342	4	04	04	NUM
fsr-3370	342	5	�	�	PROPN
fsr-3370	342	6	0	0	NUM
fsr-3370	342	7	.	.	PUNCT
fsr-3370	343	1	77	77	NUM
fsr-3370	343	2	0	0	NUM
fsr-3370	343	3	.	.	X
fsr-3370	344	1	60	60	NUM
fsr-3370	344	2	�	�	PROPN
fsr-3370	344	3	0	0	NUM
fsr-3370	344	4	.	.	PROPN
fsr-3370	344	5	65	65	NUM
fsr-3370	344	6	a	a	DET
fsr-3370	344	7	u	u	NOUN
fsr-3370	344	8	s	s	NOUN
fsr-3370	344	9	m	m	PROPN
fsr-3370	344	10	ar	ar	NOUN
fsr-3370	344	11	ke	ke	PROPN
fsr-3370	344	12	t	t	PROPN
fsr-3370	344	13	1	1	NUM
fsr-3370	344	14	.	.	PROPN
fsr-3370	344	15	00	00	NUM
fsr-3370	344	16	�	�	PROPN
fsr-3370	344	17	0	0	NUM
fsr-3370	344	18	.	.	PROPN
fsr-3370	344	19	17	17	NUM
fsr-3370	344	20	�	�	PROPN
fsr-3370	344	21	0	0	NUM
fsr-3370	344	22	.	.	PUNCT
fsr-3370	344	23	41	41	NUM
fsr-3370	344	24	0	0	NUM
fsr-3370	344	25	.	.	X
fsr-3370	345	1	60	60	NUM
fsr-3370	345	2	�	�	PROPN
fsr-3370	345	3	0	0	NUM
fsr-3370	345	4	.	.	PROPN
fsr-3370	345	5	80	80	NUM
fsr-3370	345	6	c	c	NOUN
fsr-3370	345	7	om	om	PROPN
fsr-3370	345	8	m	m	PROPN
fsr-3370	345	9	od	od	PROPN
fsr-3370	345	10	ity	ity	PROPN
fsr-3370	345	11	in	in	ADP
fsr-3370	345	12	de	de	X
fsr-3370	345	13	x	x	PROPN
fsr-3370	345	14	1	1	NUM
fsr-3370	345	15	.	.	NUM
fsr-3370	345	16	00	00	NUM
fsr-3370	345	17	0	0	NUM
fsr-3370	345	18	.	.	X
fsr-3370	346	1	16	16	NUM
fsr-3370	346	2	�	�	NOUN
fsr-3370	346	3	.0	.0	NUM
fsr-3370	346	4	60	60	NUM
fsr-3370	346	5	0	0	NUM
fsr-3370	346	6	.	.	PUNCT
fsr-3370	346	7	33	33	NUM
fsr-3370	346	8	u	u	NOUN
fsr-3370	346	9	s	s	PART
fsr-3370	346	10	un	un	PROPN
fsr-3370	346	11	em	em	PRON
fsr-3370	346	12	pl	pl	PROPN
fsr-3370	346	13	oy	oy	PROPN
fsr-3370	346	14	m	m	PROPN
fsr-3370	346	15	en	en	ADP
fsr-3370	346	16	t	t	PROPN
fsr-3370	346	17	1	1	NUM
fsr-3370	346	18	.	.	PROPN
fsr-3370	346	19	00	00	NUM
fsr-3370	346	20	�	�	PROPN
fsr-3370	346	21	0	0	NUM
fsr-3370	346	22	.	.	PUNCT
fsr-3370	346	23	69	69	NUM
fsr-3370	346	24	0	0	NUM
fsr-3370	346	25	.	.	X
fsr-3370	346	26	54	54	NUM
fsr-3370	346	27	a	a	DET
fsr-3370	346	28	u	u	NOUN
fsr-3370	346	29	s	s	PART
fsr-3370	346	30	un	un	PROPN
fsr-3370	346	31	em	em	PRON
fsr-3370	346	32	pl	pl	PROPN
fsr-3370	346	33	oy	oy	PROPN
fsr-3370	346	34	m	m	PROPN
fsr-3370	346	35	en	en	ADP
fsr-3370	346	36	t	t	PROPN
fsr-3370	346	37	1	1	NUM
fsr-3370	346	38	.	.	PROPN
fsr-3370	346	39	00	00	NUM
fsr-3370	346	40	�	�	PROPN
fsr-3370	346	41	0	0	NUM
fsr-3370	346	42	.	.	PROPN
fsr-3370	346	43	65	65	NUM
fsr-3370	346	44	u	u	NOUN
fsr-3370	346	45	k	k	PROPN
fsr-3370	346	46	un	un	PROPN
fsr-3370	346	47	em	em	PRON
fsr-3370	346	48	pl	pl	PROPN
fsr-3370	346	49	oy	oy	PROPN
fsr-3370	346	50	m	m	PROPN
fsr-3370	346	51	en	en	ADP
fsr-3370	346	52	t	t	PROPN
fsr-3370	346	53	1	1	NUM
fsr-3370	346	54	.	.	PUNCT
fsr-3370	346	55	00	00	NUM
fsr-3370	347	1	u	u	PROPN
fsr-3370	347	2	s	s	PROPN
fsr-3370	347	3	�	�	PROPN
fsr-3370	347	4	u	u	PROPN
fsr-3370	347	5	ni	ni	PROPN
fsr-3370	347	6	te	te	PROPN
fsr-3370	347	7	d	d	PROPN
fsr-3370	347	8	st	st	PROPN
fsr-3370	347	9	at	at	ADP
fsr-3370	347	10	es	es	X
fsr-3370	347	11	;	;	PUNCT
fsr-3370	347	12	u	u	PROPN
fsr-3370	347	13	k	k	PROPN
fsr-3370	347	14	�	�	PROPN
fsr-3370	347	15	u	u	PROPN
fsr-3370	347	16	ni	ni	PROPN
fsr-3370	347	17	te	te	PROPN
fsr-3370	347	18	d	d	PROPN
fsr-3370	347	19	k	k	PROPN
fsr-3370	347	20	in	in	ADP
fsr-3370	347	21	gd	gd	PROPN
fsr-3370	347	22	om	om	PROPN
fsr-3370	347	23	;	;	PUNCT
fsr-3370	347	24	a	a	DET
fsr-3370	347	25	u	u	NOUN
fsr-3370	347	26	s	s	PROPN
fsr-3370	347	27	�	�	PROPN
fsr-3370	347	28	a	a	DET
fsr-3370	347	29	us	us	PROPN
fsr-3370	347	30	tr	tr	PROPN
fsr-3370	347	31	al	al	PROPN
fsr-3370	347	32	ia	ia	PROPN
fsr-3370	347	33	;	;	PUNCT
fsr-3370	347	34	g	g	PROPN
fsr-3370	347	35	d	d	PROPN
fsr-3370	347	36	p	p	X
fsr-3370	347	37	�	�	PROPN
fsr-3370	347	38	gr	gr	ADP
fsr-3370	347	39	os	os	NOUN
fsr-3370	347	40	s	s	VERB
fsr-3370	348	1	do	do	AUX
fsr-3370	348	2	m	m	NOUN
fsr-3370	348	3	es	es	ADP
fsr-3370	348	4	tic	tic	ADJ
fsr-3370	348	5	pr	pr	NOUN
fsr-3370	348	6	od	od	INTJ
fsr-3370	348	7	uc	uc	PROPN
fsr-3370	348	8	t.	t.	PROPN
fsr-3370	348	9	331s	331s	PROPN
fsr-3370	348	10	.	.	PUNCT
fsr-3370	349	1	kuzniak	kuzniak	PROPN
fsr-3370	349	2	,	,	PUNCT
fsr-3370	349	3	j.e	j.e	PROPN
fsr-3370	349	4	.	.	PROPN
fsr-3370	349	5	grable	grable	PROPN
fsr-3370	349	6	/	/	SYM
fsr-3370	349	7	financial	financial	ADJ
fsr-3370	349	8	services	service	NOUN
fsr-3370	349	9	review	review	VERB
fsr-3370	349	10	26	26	NUM
fsr-3370	349	11	(	(	PUNCT
fsr-3370	349	12	2017	2017	NUM
fsr-3370	349	13	)	)	PUNCT
fsr-3370	349	14	315–338	315–338	NUM
fsr-3370	349	15	table	table	NOUN
fsr-3370	349	16	7	7	NUM
fsr-3370	349	17	compares	compare	VERB
fsr-3370	349	18	the	the	DET
fsr-3370	349	19	differences	difference	NOUN
fsr-3370	349	20	in	in	ADP
fsr-3370	349	21	scores	score	NOUN
fsr-3370	349	22	between	between	ADP
fsr-3370	349	23	the	the	DET
fsr-3370	349	24	respondents	respondent	NOUN
fsr-3370	349	25	from	from	ADP
fsr-3370	349	26	rts_1	rts_1	NOUN
fsr-3370	349	27	to	to	ADP
fsr-3370	349	28	rts_2	rts_2	NOUN
fsr-3370	349	29	.	.	PUNCT
fsr-3370	350	1	the	the	DET
fsr-3370	350	2	overall	overall	ADJ
fsr-3370	350	3	distribution	distribution	NOUN
fsr-3370	350	4	of	of	ADP
fsr-3370	350	5	changes	change	NOUN
fsr-3370	350	6	in	in	ADP
fsr-3370	350	7	risk	risk	NOUN
fsr-3370	350	8	scores	score	NOUN
fsr-3370	350	9	appeared	appear	VERB
fsr-3370	350	10	normal	normal	ADJ
fsr-3370	350	11	.	.	PUNCT
fsr-3370	351	1	a	a	DET
fsr-3370	351	2	correlation	correlation	NOUN
fsr-3370	351	3	estimation	estimation	NOUN
fsr-3370	351	4	was	be	AUX
fsr-3370	351	5	made	make	VERB
fsr-3370	351	6	between	between	ADP
fsr-3370	351	7	change	change	NOUN
fsr-3370	351	8	in	in	ADP
fsr-3370	351	9	rts	rt	NOUN
fsr-3370	351	10	and	and	CCONJ
fsr-3370	351	11	days	day	NOUN
fsr-3370	351	12	between	between	ADP
fsr-3370	351	13	tests	test	NOUN
fsr-3370	351	14	.	.	PUNCT
fsr-3370	352	1	the	the	DET
fsr-3370	352	2	test	test	NOUN
fsr-3370	352	3	was	be	AUX
fsr-3370	352	4	conducted	conduct	VERB
fsr-3370	352	5	to	to	PART
fsr-3370	352	6	evaluate	evaluate	VERB
fsr-3370	352	7	if	if	SCONJ
fsr-3370	352	8	a	a	PRON
fsr-3370	352	9	longer	long	ADJ
fsr-3370	352	10	(	(	PUNCT
fsr-3370	352	11	or	or	CCONJ
fsr-3370	352	12	shorter	short	ADJ
fsr-3370	352	13	)	)	PUNCT
fsr-3370	352	14	time	time	NOUN
fsr-3370	352	15	horizon	horizon	NOUN
fsr-3370	352	16	between	between	ADP
fsr-3370	352	17	tests	test	NOUN
fsr-3370	352	18	might	might	AUX
fsr-3370	352	19	have	have	AUX
fsr-3370	352	20	explained	explain	VERB
fsr-3370	352	21	the	the	DET
fsr-3370	352	22	likelihood	likelihood	NOUN
fsr-3370	352	23	of	of	ADP
fsr-3370	352	24	a	a	DET
fsr-3370	352	25	shifting	shift	VERB
fsr-3370	352	26	rts	rt	NOUN
fsr-3370	352	27	.	.	PUNCT
fsr-3370	353	1	the	the	DET
fsr-3370	353	2	mean	mean	ADJ
fsr-3370	353	3	score	score	NOUN
fsr-3370	353	4	change	change	NOUN
fsr-3370	353	5	was	be	AUX
fsr-3370	353	6	0.63	0.63	NUM
fsr-3370	353	7	,	,	PUNCT
fsr-3370	353	8	whereas	whereas	SCONJ
fsr-3370	353	9	the	the	DET
fsr-3370	353	10	mean	mean	ADJ
fsr-3370	353	11	period	period	NOUN
fsr-3370	353	12	between	between	ADP
fsr-3370	353	13	tests	test	NOUN
fsr-3370	353	14	was	be	AUX
fsr-3370	353	15	805	805	NUM
fsr-3370	353	16	days	day	NOUN
fsr-3370	353	17	.	.	PUNCT
fsr-3370	354	1	a	a	DET
fsr-3370	354	2	small	small	ADJ
fsr-3370	354	3	positive	positive	ADJ
fsr-3370	354	4	association	association	NOUN
fsr-3370	354	5	was	be	AUX
fsr-3370	354	6	noted	note	VERB
fsr-3370	354	7	between	between	ADP
fsr-3370	354	8	the	the	DET
fsr-3370	354	9	two	two	NUM
fsr-3370	354	10	variables	variable	NOUN
fsr-3370	354	11	(	(	PUNCT
fsr-3370	354	12	r	r	NOUN
fsr-3370	354	13	�	�	PROPN
fsr-3370	354	14	0.02	0.02	NUM
fsr-3370	354	15	)	)	PUNCT
fsr-3370	354	16	;	;	PUNCT
fsr-3370	354	17	however	however	ADV
fsr-3370	354	18	,	,	PUNCT
fsr-3370	354	19	the	the	DET
fsr-3370	354	20	effect	effect	NOUN
fsr-3370	354	21	size	size	NOUN
fsr-3370	354	22	was	be	AUX
fsr-3370	354	23	very	very	ADV
fsr-3370	354	24	small	small	ADJ
fsr-3370	354	25	,	,	PUNCT
fsr-3370	354	26	with	with	ADP
fsr-3370	354	27	much	much	ADJ
fsr-3370	354	28	of	of	ADP
fsr-3370	354	29	the	the	DET
fsr-3370	354	30	association	association	NOUN
fsr-3370	354	31	resulting	result	VERB
fsr-3370	354	32	from	from	ADP
fsr-3370	354	33	the	the	DET
fsr-3370	354	34	large	large	ADJ
fsr-3370	354	35	sample	sample	NOUN
fsr-3370	354	36	size	size	NOUN
fsr-3370	354	37	.	.	PUNCT
fsr-3370	355	1	the	the	DET
fsr-3370	355	2	result	result	NOUN
fsr-3370	355	3	of	of	ADP
fsr-3370	355	4	the	the	DET
fsr-3370	355	5	test	test	NOUN
fsr-3370	355	6	confirmed	confirm	VERB
fsr-3370	355	7	that	that	SCONJ
fsr-3370	355	8	test	test	NOUN
fsr-3370	355	9	scores	score	NOUN
fsr-3370	355	10	generally	generally	ADV
fsr-3370	355	11	increased	increase	VERB
fsr-3370	355	12	over	over	ADP
fsr-3370	355	13	the	the	DET
fsr-3370	355	14	period	period	NOUN
fsr-3370	355	15	of	of	ADP
fsr-3370	355	16	analysis	analysis	NOUN
fsr-3370	355	17	,	,	PUNCT
fsr-3370	355	18	but	but	CCONJ
fsr-3370	355	19	that	that	SCONJ
fsr-3370	355	20	the	the	DET
fsr-3370	355	21	time	time	NOUN
fsr-3370	355	22	gap	gap	NOUN
fsr-3370	355	23	between	between	ADP
fsr-3370	355	24	tests	test	NOUN
fsr-3370	355	25	was	be	AUX
fsr-3370	355	26	not	not	PART
fsr-3370	355	27	a	a	DET
fsr-3370	355	28	particularly	particularly	ADV
fsr-3370	355	29	important	important	ADJ
fsr-3370	355	30	variable	variable	NOUN
fsr-3370	355	31	in	in	ADP
fsr-3370	355	32	explaining	explain	VERB
fsr-3370	355	33	this	this	DET
fsr-3370	355	34	shift	shift	NOUN
fsr-3370	355	35	.	.	PUNCT
fsr-3370	356	1	table	table	NOUN
fsr-3370	356	2	8	8	NUM
fsr-3370	356	3	show	show	VERB
fsr-3370	356	4	the	the	DET
fsr-3370	356	5	results	result	NOUN
fsr-3370	356	6	of	of	ADP
fsr-3370	356	7	splitting	split	VERB
fsr-3370	356	8	respondents	respondent	NOUN
fsr-3370	356	9	into	into	ADP
fsr-3370	356	10	distinct	distinct	ADJ
fsr-3370	356	11	categories	category	NOUN
fsr-3370	356	12	based	base	VERB
fsr-3370	356	13	on	on	ADP
fsr-3370	356	14	a	a	DET
fsr-3370	356	15	meaningful	meaningful	ADJ
fsr-3370	356	16	change	change	NOUN
fsr-3370	356	17	between	between	ADP
fsr-3370	356	18	rts_1	rts_1	NOUN
fsr-3370	356	19	and	and	CCONJ
fsr-3370	356	20	rts_2	rts_2	NOUN
fsr-3370	356	21	.	.	PUNCT
fsr-3370	357	1	respondents	respondent	NOUN
fsr-3370	357	2	that	that	PRON
fsr-3370	357	3	had	have	VERB
fsr-3370	357	4	a	a	DET
fsr-3370	357	5	significant	significant	ADJ
fsr-3370	357	6	decrease	decrease	NOUN
fsr-3370	357	7	or	or	CCONJ
fsr-3370	357	8	increase	increase	VERB
fsr-3370	357	9	in	in	ADP
fsr-3370	357	10	score	score	NOUN
fsr-3370	357	11	over	over	ADP
fsr-3370	357	12	time	time	NOUN
fsr-3370	357	13	,	,	PUNCT
fsr-3370	357	14	as	as	SCONJ
fsr-3370	357	15	measured	measure	VERB
fsr-3370	357	16	by	by	ADP
fsr-3370	357	17	the	the	DET
fsr-3370	357	18	standard	standard	ADJ
fsr-3370	357	19	error	error	NOUN
fsr-3370	357	20	of	of	ADP
fsr-3370	357	21	mean	mean	ADJ
fsr-3370	357	22	technique	technique	NOUN
fsr-3370	357	23	,	,	PUNCT
fsr-3370	357	24	were	be	AUX
fsr-3370	357	25	separated	separate	VERB
fsr-3370	357	26	from	from	ADP
fsr-3370	357	27	respondents	respondent	NOUN
fsr-3370	357	28	who	who	PRON
fsr-3370	357	29	exhibited	exhibit	VERB
fsr-3370	357	30	stable	stable	ADJ
fsr-3370	357	31	scores	score	NOUN
fsr-3370	357	32	across	across	ADP
fsr-3370	357	33	assessments	assessment	NOUN
fsr-3370	357	34	.	.	PUNCT
fsr-3370	358	1	almost	almost	ADV
fsr-3370	358	2	25	25	NUM
fsr-3370	358	3	%	%	NOUN
fsr-3370	358	4	of	of	ADP
fsr-3370	358	5	respondents	respondent	NOUN
fsr-3370	358	6	had	have	VERB
fsr-3370	358	7	a	a	DET
fsr-3370	358	8	significant	significant	ADJ
fsr-3370	358	9	change	change	NOUN
fsr-3370	358	10	in	in	ADP
fsr-3370	358	11	their	their	PRON
fsr-3370	358	12	rts	rt	NOUN
fsr-3370	358	13	.	.	PUNCT
fsr-3370	359	1	in	in	ADP
fsr-3370	359	2	addition	addition	NOUN
fsr-3370	359	3	,	,	PUNCT
fsr-3370	359	4	respondents	respondent	NOUN
fsr-3370	359	5	who	who	PRON
fsr-3370	359	6	exhibited	exhibit	VERB
fsr-3370	359	7	significant	significant	ADJ
fsr-3370	359	8	decreases	decrease	NOUN
fsr-3370	359	9	consistently	consistently	ADV
fsr-3370	359	10	scored	score	VERB
fsr-3370	359	11	above	above	ADP
fsr-3370	359	12	the	the	DET
fsr-3370	359	13	mean	mean	NOUN
fsr-3370	359	14	on	on	ADP
fsr-3370	359	15	the	the	DET
fsr-3370	359	16	initial	initial	ADJ
fsr-3370	359	17	assessment	assessment	NOUN
fsr-3370	359	18	,	,	PUNCT
fsr-3370	359	19	whereas	whereas	SCONJ
fsr-3370	359	20	respondents	respondent	NOUN
fsr-3370	359	21	who	who	PRON
fsr-3370	359	22	had	have	VERB
fsr-3370	359	23	significant	significant	ADJ
fsr-3370	359	24	increases	increase	NOUN
fsr-3370	359	25	in	in	ADP
fsr-3370	359	26	frt	frt	NOUN
fsr-3370	359	27	had	have	VERB
fsr-3370	359	28	initial	initial	ADJ
fsr-3370	359	29	lower	low	ADJ
fsr-3370	359	30	than	than	ADP
fsr-3370	359	31	average	average	ADJ
fsr-3370	359	32	scores	score	NOUN
fsr-3370	359	33	.	.	PUNCT
fsr-3370	360	1	the	the	DET
fsr-3370	360	2	results	result	NOUN
fsr-3370	360	3	of	of	ADP
fsr-3370	360	4	the	the	DET
fsr-3370	360	5	multinomial	multinomial	ADJ
fsr-3370	360	6	logistical	logistical	ADJ
fsr-3370	360	7	model	model	NOUN
fsr-3370	360	8	are	be	AUX
fsr-3370	360	9	shown	show	VERB
fsr-3370	360	10	in	in	ADP
fsr-3370	360	11	table	table	NOUN
fsr-3370	360	12	9	9	NUM
fsr-3370	360	13	.	.	PUNCT
fsr-3370	361	1	the	the	DET
fsr-3370	361	2	second	second	ADJ
fsr-3370	361	3	and	and	CCONJ
fsr-3370	361	4	third	third	ADJ
fsr-3370	361	5	columns	column	NOUN
fsr-3370	361	6	of	of	ADP
fsr-3370	361	7	table	table	NOUN
fsr-3370	361	8	9	9	NUM
fsr-3370	361	9	show	show	VERB
fsr-3370	361	10	the	the	DET
fsr-3370	361	11	model	model	NOUN
fsr-3370	361	12	comparing	compare	VERB
fsr-3370	361	13	those	those	PRON
fsr-3370	361	14	with	with	ADP
fsr-3370	361	15	a	a	DET
fsr-3370	361	16	decrease	decrease	NOUN
fsr-3370	361	17	in	in	ADP
fsr-3370	361	18	frt	frt	NOUN
fsr-3370	361	19	to	to	ADP
fsr-3370	361	20	those	those	PRON
fsr-3370	361	21	whose	whose	DET
fsr-3370	361	22	score	score	NOUN
fsr-3370	361	23	was	be	AUX
fsr-3370	361	24	stable	stable	ADJ
fsr-3370	361	25	.	.	PUNCT
fsr-3370	362	1	the	the	DET
fsr-3370	362	2	last	last	ADJ
fsr-3370	362	3	two	two	NUM
fsr-3370	362	4	columns	column	NOUN
fsr-3370	362	5	in	in	ADP
fsr-3370	362	6	table	table	NOUN
fsr-3370	362	7	9	9	NUM
fsr-3370	362	8	show	show	VERB
fsr-3370	362	9	the	the	DET
fsr-3370	362	10	model	model	NOUN
fsr-3370	362	11	comparing	compare	VERB
fsr-3370	362	12	those	those	PRON
fsr-3370	362	13	with	with	ADP
fsr-3370	362	14	an	an	DET
fsr-3370	362	15	increase	increase	NOUN
fsr-3370	362	16	in	in	ADP
fsr-3370	362	17	frt	frt	NOUN
fsr-3370	362	18	to	to	ADP
fsr-3370	362	19	those	those	PRON
fsr-3370	362	20	whose	whose	DET
fsr-3370	362	21	score	score	NOUN
fsr-3370	362	22	remained	remain	VERB
fsr-3370	362	23	stable	stable	ADJ
fsr-3370	362	24	.	.	PUNCT
fsr-3370	363	1	the	the	DET
fsr-3370	363	2	results	result	NOUN
fsr-3370	363	3	from	from	ADP
fsr-3370	363	4	the	the	DET
fsr-3370	363	5	test	test	NOUN
fsr-3370	363	6	provide	provide	VERB
fsr-3370	363	7	insights	insight	NOUN
fsr-3370	363	8	into	into	ADP
fsr-3370	363	9	the	the	DET
fsr-3370	363	10	change	change	NOUN
fsr-3370	363	11	some	some	DET
fsr-3370	363	12	individuals	individual	NOUN
fsr-3370	363	13	exhibited	exhibit	VERB
fsr-3370	363	14	in	in	ADP
fsr-3370	363	15	their	their	PRON
fsr-3370	363	16	frt	frt	NOUN
fsr-3370	363	17	over	over	ADP
fsr-3370	363	18	time	time	NOUN
fsr-3370	363	19	.	.	PUNCT
fsr-3370	364	1	relative	relative	ADJ
fsr-3370	364	2	to	to	ADP
fsr-3370	364	3	those	those	PRON
fsr-3370	364	4	whose	whose	DET
fsr-3370	364	5	rts	rt	NOUN
fsr-3370	364	6	did	do	AUX
fsr-3370	364	7	not	not	PART
fsr-3370	364	8	change	change	VERB
fsr-3370	364	9	:	:	PUNCT
fsr-3370	364	10	table	table	NOUN
fsr-3370	364	11	6	6	NUM
fsr-3370	364	12	simplified	simplified	ADJ
fsr-3370	364	13	macroeconomic	macroeconomic	ADJ
fsr-3370	364	14	variables	variable	NOUN
fsr-3370	364	15	correlation	correlation	NOUN
fsr-3370	364	16	table	table	NOUN
fsr-3370	364	17	avg	avg	PROPN
fsr-3370	364	18	.	.	PROPN
fsr-3370	364	19	gdp	gdp	PROPN
fsr-3370	364	20	avg	avg	PROPN
fsr-3370	364	21	.	.	PROPN
fsr-3370	365	1	mkt	mkt	PROPN
fsr-3370	365	2	avg	avg	PROPN
fsr-3370	365	3	.	.	PROPN
fsr-3370	365	4	commodity	commodity	PROPN
fsr-3370	365	5	avg	avg	PROPN
fsr-3370	365	6	.	.	PUNCT
fsr-3370	366	1	unemp	unemp	PROPN
fsr-3370	366	2	avg	avg	PROPN
fsr-3370	366	3	.	.	PROPN
fsr-3370	366	4	gdp	gdp	PROPN
fsr-3370	366	5	1.00	1.00	NUM
fsr-3370	366	6	0.66	0.66	NUM
fsr-3370	366	7	�	�	PROPN
fsr-3370	366	8	0.12	0.12	NUM
fsr-3370	366	9	�	�	PROPN
fsr-3370	366	10	0.97	0.97	NUM
fsr-3370	366	11	avg	avg	NOUN
fsr-3370	366	12	.	.	PROPN
fsr-3370	367	1	mkt	mkt	PROPN
fsr-3370	367	2	1.00	1.00	NUM
fsr-3370	367	3	�	�	PROPN
fsr-3370	367	4	0.09	0.09	NUM
fsr-3370	367	5	�	�	PROPN
fsr-3370	367	6	0.73	0.73	NUM
fsr-3370	367	7	avg	avg	PROPN
fsr-3370	367	8	.	.	PUNCT
fsr-3370	368	1	commodity	commodity	PROPN
fsr-3370	368	2	1.00	1.00	NUM
fsr-3370	368	3	0.17	0.17	NUM
fsr-3370	368	4	avg	avg	NOUN
fsr-3370	368	5	.	.	PUNCT
fsr-3370	369	1	unemp	unemp	PROPN
fsr-3370	369	2	1.00	1.00	NUM
fsr-3370	369	3	gdp	gdp	NOUN
fsr-3370	369	4	�	�	PROPN
fsr-3370	369	5	gross	gross	ADJ
fsr-3370	369	6	domestic	domestic	ADJ
fsr-3370	369	7	product	product	NOUN
fsr-3370	369	8	;	;	PUNCT
fsr-3370	369	9	mkt	mkt	PROPN
fsr-3370	369	10	�	�	PROPN
fsr-3370	369	11	market	market	NOUN
fsr-3370	369	12	;	;	PUNCT
fsr-3370	369	13	commodity	commodity	NOUN
fsr-3370	369	14	�	�	PROPN
fsr-3370	369	15	commodity	commodity	PROPN
fsr-3370	369	16	index	index	NOUN
fsr-3370	369	17	;	;	PUNCT
fsr-3370	369	18	unemp	unemp	PROPN
fsr-3370	369	19	�	�	PROPN
fsr-3370	369	20	unemployment	unemployment	NOUN
fsr-3370	369	21	.	.	PUNCT
fsr-3370	370	1	table	table	NOUN
fsr-3370	370	2	7	7	NUM
fsr-3370	370	3	comparison	comparison	NOUN
fsr-3370	370	4	of	of	ADP
fsr-3370	370	5	initial	initial	ADJ
fsr-3370	370	6	and	and	CCONJ
fsr-3370	370	7	follow	follow	VERB
fsr-3370	370	8	-	-	PUNCT
fsr-3370	370	9	up	up	NOUN
fsr-3370	370	10	scores	score	NOUN
fsr-3370	370	11	variable	variable	ADJ
fsr-3370	370	12	mean	mean	VERB
fsr-3370	370	13	standard	standard	ADJ
fsr-3370	370	14	deviation	deviation	NOUN
fsr-3370	370	15	standard	standard	NOUN
fsr-3370	370	16	error	error	NOUN
fsr-3370	370	17	mean	mean	VERB
fsr-3370	370	18	upper	upper	ADJ
fsr-3370	370	19	95	95	NUM
fsr-3370	370	20	%	%	NOUN
fsr-3370	370	21	lower	low	ADJ
fsr-3370	370	22	95	95	NUM
fsr-3370	370	23	%	%	NOUN
fsr-3370	370	24	initial	initial	ADJ
fsr-3370	370	25	average	average	ADJ
fsr-3370	370	26	score	score	NOUN
fsr-3370	370	27	rts1	rts1	NOUN
fsr-3370	370	28	47.01	47.01	NUM
fsr-3370	370	29	6.29	6.29	NUM
fsr-3370	370	30	0.07	0.07	NUM
fsr-3370	370	31	47.15	47.15	NUM
fsr-3370	370	32	46.87	46.87	NUM
fsr-3370	370	33	initial	initial	ADJ
fsr-3370	370	34	average	average	ADJ
fsr-3370	370	35	score	score	NOUN
fsr-3370	370	36	rts2	rts2	NOUN
fsr-3370	370	37	47.61	47.61	NUM
fsr-3370	370	38	7.59	7.59	NUM
fsr-3370	370	39	0.09	0.09	NUM
fsr-3370	370	40	47.77	47.77	NUM
fsr-3370	370	41	47.44	47.44	NUM
fsr-3370	370	42	initial	initial	ADJ
fsr-3370	370	43	low	low	ADJ
fsr-3370	370	44	score	score	NOUN
fsr-3370	370	45	rts1	rts1	NOUN
fsr-3370	371	1	29.83	29.83	NUM
fsr-3370	371	2	3.85	3.85	NUM
fsr-3370	371	3	0.14	0.14	NUM
fsr-3370	371	4	30.11	30.11	NUM
fsr-3370	371	5	29.56	29.56	NUM
fsr-3370	371	6	initial	initial	ADJ
fsr-3370	371	7	low	low	ADJ
fsr-3370	371	8	score	score	NOUN
fsr-3370	371	9	rts2	rts2	NOUN
fsr-3370	371	10	34.64	34.64	NUM
fsr-3370	371	11	7.38	7.38	NUM
fsr-3370	371	12	0.27	0.27	NUM
fsr-3370	371	13	35.17	35.17	NUM
fsr-3370	371	14	34.11	34.11	NUM
fsr-3370	371	15	initial	initial	ADJ
fsr-3370	371	16	high	high	ADJ
fsr-3370	371	17	score	score	NOUN
fsr-3370	371	18	rts1	rts1	NOUN
fsr-3370	371	19	64.82	64.82	NUM
fsr-3370	371	20	4.72	4.72	NUM
fsr-3370	371	21	0.15	0.15	NUM
fsr-3370	371	22	65.11	65.11	NUM
fsr-3370	371	23	64.52	64.52	NUM
fsr-3370	371	24	initial	initial	ADJ
fsr-3370	371	25	high	high	ADJ
fsr-3370	371	26	score	score	NOUN
fsr-3370	371	27	rts2	rts2	NOUN
fsr-3370	371	28	62.38	62.38	NUM
fsr-3370	371	29	7.72	7.72	NUM
fsr-3370	371	30	0.25	0.25	NUM
fsr-3370	371	31	62.87	62.87	NUM
fsr-3370	371	32	61.89	61.89	NUM
fsr-3370	371	33	rts	rt	NOUN
fsr-3370	371	34	�	�	PROPN
fsr-3370	371	35	risk	risk	NOUN
fsr-3370	371	36	-	-	PUNCT
fsr-3370	371	37	tolerance	tolerance	NOUN
fsr-3370	371	38	score	score	NOUN
fsr-3370	371	39	.	.	PUNCT
fsr-3370	372	1	332	332	NUM
fsr-3370	372	2	s.	s.	PROPN
fsr-3370	372	3	kuzniak	kuzniak	PROPN
fsr-3370	372	4	,	,	PUNCT
fsr-3370	372	5	j.e	j.e	PROPN
fsr-3370	372	6	.	.	PROPN
fsr-3370	372	7	grable	grable	PROPN
fsr-3370	372	8	/	/	SYM
fsr-3370	372	9	financial	financial	ADJ
fsr-3370	372	10	services	service	NOUN
fsr-3370	372	11	review	review	VERB
fsr-3370	372	12	26	26	NUM
fsr-3370	372	13	(	(	PUNCT
fsr-3370	372	14	2017	2017	NUM
fsr-3370	372	15	)	)	PUNCT
fsr-3370	372	16	315–338	315–338	NUM
fsr-3370	372	17	y	y	NUM
fsr-3370	372	18	older	old	ADJ
fsr-3370	372	19	respondents	respondent	NOUN
fsr-3370	372	20	were	be	AUX
fsr-3370	372	21	more	more	ADV
fsr-3370	372	22	likely	likely	ADJ
fsr-3370	372	23	to	to	PART
fsr-3370	372	24	be	be	AUX
fsr-3370	372	25	in	in	ADP
fsr-3370	372	26	the	the	DET
fsr-3370	372	27	decrease	decrease	NOUN
fsr-3370	372	28	category	category	NOUN
fsr-3370	372	29	.	.	PUNCT
fsr-3370	373	1	y	y	PROPN
fsr-3370	373	2	older	old	ADJ
fsr-3370	373	3	respondents	respondent	NOUN
fsr-3370	373	4	were	be	AUX
fsr-3370	373	5	less	less	ADV
fsr-3370	373	6	likely	likely	ADJ
fsr-3370	373	7	to	to	PART
fsr-3370	373	8	be	be	AUX
fsr-3370	373	9	in	in	ADP
fsr-3370	373	10	the	the	DET
fsr-3370	373	11	increase	increase	NOUN
fsr-3370	373	12	category	category	NOUN
fsr-3370	373	13	.	.	PUNCT
fsr-3370	374	1	y	y	PRON
fsr-3370	374	2	those	those	PRON
fsr-3370	374	3	with	with	ADP
fsr-3370	374	4	more	more	ADJ
fsr-3370	374	5	education	education	NOUN
fsr-3370	374	6	were	be	AUX
fsr-3370	374	7	less	less	ADV
fsr-3370	374	8	likely	likely	ADJ
fsr-3370	374	9	to	to	PART
fsr-3370	374	10	be	be	AUX
fsr-3370	374	11	in	in	ADP
fsr-3370	374	12	the	the	DET
fsr-3370	374	13	decrease	decrease	NOUN
fsr-3370	374	14	category	category	NOUN
fsr-3370	374	15	.	.	PUNCT
fsr-3370	375	1	y	y	PRON
fsr-3370	375	2	those	those	PRON
fsr-3370	375	3	who	who	PRON
fsr-3370	375	4	lived	live	VERB
fsr-3370	375	5	in	in	ADP
fsr-3370	375	6	a	a	DET
fsr-3370	375	7	country	country	NOUN
fsr-3370	375	8	with	with	ADP
fsr-3370	375	9	high	high	ADJ
fsr-3370	375	10	social	social	ADJ
fsr-3370	375	11	support	support	NOUN
fsr-3370	375	12	were	be	AUX
fsr-3370	375	13	less	less	ADV
fsr-3370	375	14	likely	likely	ADJ
fsr-3370	375	15	to	to	PART
fsr-3370	375	16	be	be	AUX
fsr-3370	375	17	in	in	ADP
fsr-3370	375	18	the	the	DET
fsr-3370	375	19	decrease	decrease	NOUN
fsr-3370	375	20	category	category	NOUN
fsr-3370	375	21	.	.	PUNCT
fsr-3370	376	1	y	y	PRON
fsr-3370	376	2	those	those	PRON
fsr-3370	376	3	who	who	PRON
fsr-3370	376	4	lived	live	VERB
fsr-3370	376	5	in	in	ADP
fsr-3370	376	6	a	a	DET
fsr-3370	376	7	country	country	NOUN
fsr-3370	376	8	with	with	ADP
fsr-3370	376	9	high	high	ADJ
fsr-3370	376	10	social	social	ADJ
fsr-3370	376	11	support	support	NOUN
fsr-3370	376	12	were	be	AUX
fsr-3370	376	13	less	less	ADV
fsr-3370	376	14	likely	likely	ADJ
fsr-3370	376	15	to	to	PART
fsr-3370	376	16	be	be	AUX
fsr-3370	376	17	in	in	ADP
fsr-3370	376	18	the	the	DET
fsr-3370	376	19	increase	increase	NOUN
fsr-3370	376	20	category	category	NOUN
fsr-3370	376	21	.	.	PUNCT
fsr-3370	377	1	y	y	PRON
fsr-3370	377	2	those	those	PRON
fsr-3370	377	3	who	who	PRON
fsr-3370	377	4	lived	live	VERB
fsr-3370	377	5	in	in	ADP
fsr-3370	377	6	a	a	DET
fsr-3370	377	7	country	country	NOUN
fsr-3370	377	8	with	with	ADP
fsr-3370	377	9	a	a	DET
fsr-3370	377	10	high	high	ADJ
fsr-3370	377	11	gdp	gdp	NOUN
fsr-3370	377	12	were	be	AUX
fsr-3370	377	13	less	less	ADV
fsr-3370	377	14	likely	likely	ADJ
fsr-3370	377	15	to	to	PART
fsr-3370	377	16	be	be	AUX
fsr-3370	377	17	in	in	ADP
fsr-3370	377	18	the	the	DET
fsr-3370	377	19	decrease	decrease	NOUN
fsr-3370	377	20	category	category	NOUN
fsr-3370	377	21	.	.	PUNCT
fsr-3370	378	1	y	y	PRON
fsr-3370	378	2	those	those	PRON
fsr-3370	378	3	who	who	PRON
fsr-3370	378	4	lived	live	VERB
fsr-3370	378	5	in	in	ADP
fsr-3370	378	6	a	a	DET
fsr-3370	378	7	country	country	NOUN
fsr-3370	378	8	with	with	ADP
fsr-3370	378	9	a	a	DET
fsr-3370	378	10	high	high	ADJ
fsr-3370	378	11	gdp	gdp	NOUN
fsr-3370	378	12	were	be	AUX
fsr-3370	378	13	more	more	ADV
fsr-3370	378	14	likely	likely	ADJ
fsr-3370	378	15	to	to	PART
fsr-3370	378	16	be	be	AUX
fsr-3370	378	17	in	in	ADP
fsr-3370	378	18	the	the	DET
fsr-3370	378	19	increase	increase	NOUN
fsr-3370	378	20	category	category	NOUN
fsr-3370	378	21	.	.	PUNCT
fsr-3370	379	1	y	y	PROPN
fsr-3370	379	2	when	when	SCONJ
fsr-3370	379	3	the	the	DET
fsr-3370	379	4	market	market	NOUN
fsr-3370	379	5	was	be	AUX
fsr-3370	379	6	initially	initially	ADV
fsr-3370	379	7	high	high	ADJ
fsr-3370	379	8	,	,	PUNCT
fsr-3370	379	9	respondents	respondent	NOUN
fsr-3370	379	10	were	be	AUX
fsr-3370	379	11	more	more	ADV
fsr-3370	379	12	likely	likely	ADJ
fsr-3370	379	13	to	to	PART
fsr-3370	379	14	be	be	AUX
fsr-3370	379	15	in	in	ADP
fsr-3370	379	16	the	the	DET
fsr-3370	379	17	decrease	decrease	NOUN
fsr-3370	379	18	category	category	NOUN
fsr-3370	379	19	.	.	PUNCT
fsr-3370	380	1	y	y	PRON
fsr-3370	380	2	those	those	PRON
fsr-3370	380	3	with	with	ADP
fsr-3370	380	4	a	a	DET
fsr-3370	380	5	low	low	ADJ
fsr-3370	380	6	rts_1	rts_1	NOUN
fsr-3370	380	7	score	score	NOUN
fsr-3370	380	8	were	be	AUX
fsr-3370	380	9	more	more	ADV
fsr-3370	380	10	likely	likely	ADJ
fsr-3370	380	11	to	to	PART
fsr-3370	380	12	be	be	AUX
fsr-3370	380	13	in	in	ADP
fsr-3370	380	14	the	the	DET
fsr-3370	380	15	decrease	decrease	NOUN
fsr-3370	380	16	category	category	NOUN
fsr-3370	380	17	.	.	PUNCT
fsr-3370	381	1	y	y	PRON
fsr-3370	381	2	those	those	PRON
fsr-3370	381	3	with	with	ADP
fsr-3370	381	4	a	a	DET
fsr-3370	381	5	low	low	ADJ
fsr-3370	381	6	rts_1	rts_1	NOUN
fsr-3370	381	7	score	score	NOUN
fsr-3370	381	8	were	be	AUX
fsr-3370	381	9	less	less	ADV
fsr-3370	381	10	likely	likely	ADJ
fsr-3370	381	11	to	to	PART
fsr-3370	381	12	be	be	AUX
fsr-3370	381	13	in	in	ADP
fsr-3370	381	14	the	the	DET
fsr-3370	381	15	increase	increase	NOUN
fsr-3370	381	16	category	category	NOUN
fsr-3370	381	17	.	.	PUNCT
fsr-3370	382	1	y	y	PRON
fsr-3370	382	2	those	those	PRON
fsr-3370	382	3	with	with	ADP
fsr-3370	382	4	a	a	DET
fsr-3370	382	5	high	high	ADJ
fsr-3370	382	6	rts_1	rts_1	NOUN
fsr-3370	382	7	score	score	NOUN
fsr-3370	382	8	were	be	AUX
fsr-3370	382	9	less	less	ADV
fsr-3370	382	10	likely	likely	ADJ
fsr-3370	382	11	to	to	PART
fsr-3370	382	12	be	be	AUX
fsr-3370	382	13	in	in	ADP
fsr-3370	382	14	the	the	DET
fsr-3370	382	15	decrease	decrease	NOUN
fsr-3370	382	16	category	category	NOUN
fsr-3370	382	17	.	.	PUNCT
fsr-3370	383	1	y	y	PRON
fsr-3370	383	2	those	those	PRON
fsr-3370	383	3	with	with	ADP
fsr-3370	383	4	a	a	DET
fsr-3370	383	5	high	high	ADJ
fsr-3370	383	6	rts_1	rts_1	NOUN
fsr-3370	383	7	score	score	NOUN
fsr-3370	383	8	were	be	AUX
fsr-3370	383	9	more	more	ADV
fsr-3370	383	10	likely	likely	ADJ
fsr-3370	383	11	to	to	PART
fsr-3370	383	12	be	be	AUX
fsr-3370	383	13	in	in	ADP
fsr-3370	383	14	the	the	DET
fsr-3370	383	15	increase	increase	NOUN
fsr-3370	383	16	category	category	NOUN
fsr-3370	383	17	.	.	PUNCT
fsr-3370	384	1	y	y	PROPN
fsr-3370	384	2	an	an	DET
fsr-3370	384	3	interaction	interaction	NOUN
fsr-3370	384	4	between	between	ADP
fsr-3370	384	5	gdp	gdp	NOUN
fsr-3370	384	6	and	and	CCONJ
fsr-3370	384	7	social	social	ADJ
fsr-3370	384	8	support	support	NOUN
fsr-3370	384	9	was	be	AUX
fsr-3370	384	10	noted	note	VERB
fsr-3370	384	11	for	for	ADP
fsr-3370	384	12	those	those	PRON
fsr-3370	384	13	in	in	ADP
fsr-3370	384	14	the	the	DET
fsr-3370	384	15	decrease	decrease	NOUN
fsr-3370	384	16	category	category	NOUN
fsr-3370	384	17	.	.	PUNCT
fsr-3370	385	1	y	y	PROPN
fsr-3370	385	2	an	an	DET
fsr-3370	385	3	interaction	interaction	NOUN
fsr-3370	385	4	between	between	ADP
fsr-3370	385	5	gdp	gdp	NOUN
fsr-3370	385	6	and	and	CCONJ
fsr-3370	385	7	gender	gender	NOUN
fsr-3370	385	8	was	be	AUX
fsr-3370	385	9	present	present	ADJ
fsr-3370	385	10	for	for	ADP
fsr-3370	385	11	those	those	PRON
fsr-3370	385	12	not	not	PART
fsr-3370	385	13	in	in	ADP
fsr-3370	385	14	the	the	DET
fsr-3370	385	15	increase	increase	NOUN
fsr-3370	385	16	category	category	NOUN
fsr-3370	385	17	.	.	PUNCT
fsr-3370	386	1	y	y	PROPN
fsr-3370	386	2	an	an	DET
fsr-3370	386	3	interaction	interaction	NOUN
fsr-3370	386	4	between	between	ADP
fsr-3370	386	5	market	market	NOUN
fsr-3370	386	6	and	and	CCONJ
fsr-3370	386	7	age	age	NOUN
fsr-3370	386	8	was	be	AUX
fsr-3370	386	9	noted	note	VERB
fsr-3370	386	10	for	for	ADP
fsr-3370	386	11	those	those	PRON
fsr-3370	386	12	in	in	ADP
fsr-3370	386	13	the	the	DET
fsr-3370	386	14	increase	increase	NOUN
fsr-3370	386	15	category	category	NOUN
fsr-3370	386	16	.	.	PUNCT
fsr-3370	387	1	y	y	PROPN
fsr-3370	387	2	an	an	DET
fsr-3370	387	3	interaction	interaction	NOUN
fsr-3370	387	4	between	between	ADP
fsr-3370	387	5	market	market	NOUN
fsr-3370	387	6	and	and	CCONJ
fsr-3370	387	7	gender	gender	NOUN
fsr-3370	387	8	was	be	AUX
fsr-3370	387	9	present	present	ADJ
fsr-3370	387	10	for	for	ADP
fsr-3370	387	11	those	those	PRON
fsr-3370	387	12	in	in	ADP
fsr-3370	387	13	the	the	DET
fsr-3370	387	14	increase	increase	NOUN
fsr-3370	387	15	category	category	NOUN
fsr-3370	387	16	.	.	PUNCT
fsr-3370	388	1	to	to	PART
fsr-3370	388	2	summarize	summarize	VERB
fsr-3370	388	3	,	,	PUNCT
fsr-3370	388	4	the	the	DET
fsr-3370	388	5	regression	regression	NOUN
fsr-3370	388	6	results	result	NOUN
fsr-3370	388	7	provide	provide	VERB
fsr-3370	388	8	insights	insight	NOUN
fsr-3370	388	9	into	into	ADP
fsr-3370	388	10	the	the	DET
fsr-3370	388	11	unique	unique	ADJ
fsr-3370	388	12	attributes	attribute	NOUN
fsr-3370	388	13	of	of	ADP
fsr-3370	388	14	individuals	individual	NOUN
fsr-3370	388	15	who	who	PRON
fsr-3370	388	16	exhibited	exhibit	VERB
fsr-3370	388	17	a	a	DET
fsr-3370	388	18	change	change	NOUN
fsr-3370	388	19	in	in	ADP
fsr-3370	388	20	their	their	PRON
fsr-3370	388	21	frt	frt	NOUN
fsr-3370	388	22	across	across	ADP
fsr-3370	388	23	time	time	NOUN
fsr-3370	388	24	.	.	PUNCT
fsr-3370	389	1	the	the	DET
fsr-3370	389	2	following	follow	VERB
fsr-3370	389	3	individuals	individual	NOUN
fsr-3370	389	4	were	be	AUX
fsr-3370	389	5	more	more	ADV
fsr-3370	389	6	likely	likely	ADJ
fsr-3370	389	7	to	to	PART
fsr-3370	389	8	show	show	VERB
fsr-3370	389	9	a	a	DET
fsr-3370	389	10	decrease	decrease	NOUN
fsr-3370	389	11	in	in	ADP
fsr-3370	389	12	their	their	PRON
fsr-3370	389	13	frt	frt	NOUN
fsr-3370	389	14	:	:	PUNCT
fsr-3370	389	15	older	old	ADJ
fsr-3370	389	16	respondents	respondent	NOUN
fsr-3370	389	17	with	with	ADP
fsr-3370	389	18	less	less	ADJ
fsr-3370	389	19	education	education	NOUN
fsr-3370	389	20	,	,	PUNCT
fsr-3370	389	21	who	who	PRON
fsr-3370	389	22	lived	live	VERB
fsr-3370	389	23	in	in	ADP
fsr-3370	389	24	a	a	DET
fsr-3370	389	25	country	country	NOUN
fsr-3370	389	26	with	with	ADP
fsr-3370	389	27	lower	low	ADJ
fsr-3370	389	28	social	social	ADJ
fsr-3370	389	29	support	support	NOUN
fsr-3370	389	30	and	and	CCONJ
fsr-3370	389	31	gdp	gdp	NOUN
fsr-3370	389	32	with	with	ADP
fsr-3370	389	33	initially	initially	ADV
fsr-3370	389	34	high	high	ADJ
fsr-3370	389	35	market	market	NOUN
fsr-3370	389	36	values	value	NOUN
fsr-3370	389	37	.	.	PUNCT
fsr-3370	390	1	they	they	PRON
fsr-3370	390	2	were	be	AUX
fsr-3370	390	3	also	also	ADV
fsr-3370	390	4	more	more	ADV
fsr-3370	390	5	likely	likely	ADJ
fsr-3370	390	6	to	to	PART
fsr-3370	390	7	have	have	VERB
fsr-3370	390	8	a	a	DET
fsr-3370	390	9	lower	low	ADJ
fsr-3370	390	10	initial	initial	ADJ
fsr-3370	390	11	rts_1	rts_1	NOUN
fsr-3370	390	12	score	score	NOUN
fsr-3370	390	13	.	.	PUNCT
fsr-3370	391	1	among	among	ADP
fsr-3370	391	2	those	those	PRON
fsr-3370	391	3	showing	show	VERB
fsr-3370	391	4	an	an	DET
fsr-3370	391	5	increase	increase	NOUN
fsr-3370	391	6	in	in	ADP
fsr-3370	391	7	frt	frt	NOUN
fsr-3370	391	8	were	be	AUX
fsr-3370	391	9	younger	young	ADJ
fsr-3370	391	10	respondents	respondent	NOUN
fsr-3370	391	11	who	who	PRON
fsr-3370	391	12	lived	live	VERB
fsr-3370	391	13	in	in	ADP
fsr-3370	391	14	a	a	DET
fsr-3370	391	15	country	country	NOUN
fsr-3370	391	16	with	with	ADP
fsr-3370	391	17	lower	low	ADJ
fsr-3370	391	18	social	social	ADJ
fsr-3370	391	19	support	support	NOUN
fsr-3370	391	20	and	and	CCONJ
fsr-3370	391	21	a	a	DET
fsr-3370	391	22	higher	high	ADJ
fsr-3370	391	23	gdp	gdp	NOUN
fsr-3370	391	24	.	.	PUNCT
fsr-3370	392	1	they	they	PRON
fsr-3370	392	2	also	also	ADV
fsr-3370	392	3	had	have	VERB
fsr-3370	392	4	a	a	DET
fsr-3370	392	5	higher	high	ADJ
fsr-3370	392	6	initial	initial	ADJ
fsr-3370	392	7	rts_1	rts_1	NOUN
fsr-3370	392	8	score	score	NOUN
fsr-3370	392	9	.	.	PUNCT
fsr-3370	393	1	although	although	SCONJ
fsr-3370	393	2	not	not	PART
fsr-3370	393	3	unexpected	unexpected	ADJ
fsr-3370	393	4	,	,	PUNCT
fsr-3370	393	5	it	it	PRON
fsr-3370	393	6	is	be	AUX
fsr-3370	393	7	noteworthy	noteworthy	ADJ
fsr-3370	393	8	table	table	NOUN
fsr-3370	393	9	8	8	NUM
fsr-3370	393	10	description	description	NOUN
fsr-3370	393	11	of	of	ADP
fsr-3370	393	12	rts	rt	NOUN
fsr-3370	393	13	by	by	ADP
fsr-3370	393	14	change	change	NOUN
fsr-3370	393	15	across	across	ADP
fsr-3370	393	16	time	time	NOUN
fsr-3370	393	17	(	(	PUNCT
fsr-3370	393	18	n	n	X
fsr-3370	393	19	�	�	PROPN
fsr-3370	393	20	9,692	9,692	NUM
fsr-3370	393	21	)	)	PUNCT
fsr-3370	394	1	variable	variable	ADJ
fsr-3370	394	2	mean	mean	VERB
fsr-3370	394	3	standard	standard	ADJ
fsr-3370	394	4	deviation	deviation	NOUN
fsr-3370	394	5	standard	standard	NOUN
fsr-3370	394	6	error	error	NOUN
fsr-3370	394	7	mean	mean	VERB
fsr-3370	394	8	upper	upper	ADJ
fsr-3370	394	9	95	95	NUM
fsr-3370	394	10	%	%	NOUN
fsr-3370	394	11	lower	low	ADJ
fsr-3370	394	12	95	95	NUM
fsr-3370	394	13	%	%	NOUN
fsr-3370	394	14	%	%	NOUN
fsr-3370	394	15	of	of	ADP
fsr-3370	394	16	sample	sample	NOUN
fsr-3370	394	17	rts	rt	NOUN
fsr-3370	394	18	total	total	ADJ
fsr-3370	394	19	test	test	NOUN
fsr-3370	394	20	1	1	NUM
fsr-3370	394	21	47.44	47.44	NUM
fsr-3370	394	22	9.51	9.51	NUM
fsr-3370	394	23	0.10	0.10	NUM
fsr-3370	394	24	47.63	47.63	NUM
fsr-3370	394	25	47.25	47.25	NUM
fsr-3370	394	26	100.0	100.0	NUM
fsr-3370	394	27	%	%	NOUN
fsr-3370	394	28	test	test	NOUN
fsr-3370	394	29	2	2	NUM
fsr-3370	394	30	48.06	48.06	NUM
fsr-3370	394	31	9.61	9.61	NUM
fsr-3370	394	32	0.10	0.10	NUM
fsr-3370	394	33	48.26	48.26	NUM
fsr-3370	394	34	47.87	47.87	NUM
fsr-3370	394	35	100.0	100.0	NUM
fsr-3370	394	36	%	%	NOUN
fsr-3370	394	37	rts	rt	NOUN
fsr-3370	394	38	stable	stable	ADJ
fsr-3370	394	39	test	test	NOUN
fsr-3370	394	40	1	1	NUM
fsr-3370	394	41	47.66	47.66	NUM
fsr-3370	394	42	8.98	8.98	NUM
fsr-3370	394	43	0.10	0.10	NUM
fsr-3370	394	44	47.87	47.87	NUM
fsr-3370	394	45	47.46	47.46	NUM
fsr-3370	394	46	76.3	76.3	NUM
fsr-3370	394	47	%	%	NOUN
fsr-3370	394	48	test	test	NOUN
fsr-3370	394	49	2	2	NUM
fsr-3370	394	50	47.81	47.81	NUM
fsr-3370	394	51	9.02	9.02	NUM
fsr-3370	394	52	0.10	0.10	NUM
fsr-3370	394	53	48.01	48.01	NUM
fsr-3370	394	54	47.60	47.60	NUM
fsr-3370	394	55	76.3	76.3	NUM
fsr-3370	394	56	%	%	NOUN
fsr-3370	394	57	rts	rt	NOUN
fsr-3370	394	58	increase	increase	NOUN
fsr-3370	394	59	test	test	NOUN
fsr-3370	394	60	1	1	NUM
fsr-3370	394	61	42.55	42.55	NUM
fsr-3370	394	62	9.93	9.93	NUM
fsr-3370	394	63	0.27	0.27	NUM
fsr-3370	394	64	43.08	43.08	NUM
fsr-3370	394	65	42.02	42.02	NUM
fsr-3370	394	66	14.0	14.0	NUM
fsr-3370	394	67	%	%	NOUN
fsr-3370	394	68	test	test	NOUN
fsr-3370	394	69	2	2	NUM
fsr-3370	394	70	53.33	53.33	NUM
fsr-3370	394	71	10.13	10.13	NUM
fsr-3370	394	72	0.28	0.28	NUM
fsr-3370	394	73	53.87	53.87	NUM
fsr-3370	394	74	52.79	52.79	NUM
fsr-3370	394	75	14.0	14.0	NUM
fsr-3370	394	76	%	%	NOUN
fsr-3370	394	77	rts	rt	NOUN
fsr-3370	394	78	decrease	decrease	NOUN
fsr-3370	394	79	test	test	VERB
fsr-3370	394	80	1	1	NUM
fsr-3370	394	81	52.73	52.73	NUM
fsr-3370	394	82	9.72	9.72	NUM
fsr-3370	394	83	0.32	0.32	NUM
fsr-3370	394	84	53.35	53.35	NUM
fsr-3370	394	85	52.10	52.10	NUM
fsr-3370	394	86	9.7	9.7	NUM
fsr-3370	394	87	%	%	NOUN
fsr-3370	394	88	test	test	NOUN
fsr-3370	394	89	2	2	NUM
fsr-3370	394	90	42.50	42.50	NUM
fsr-3370	394	91	9.63	9.63	NUM
fsr-3370	394	92	0.31	0.31	NUM
fsr-3370	394	93	43.11	43.11	NUM
fsr-3370	394	94	41.88	41.88	NUM
fsr-3370	394	95	9.7	9.7	NUM
fsr-3370	394	96	%	%	NOUN
fsr-3370	394	97	rts	rt	NOUN
fsr-3370	394	98	�	�	PROPN
fsr-3370	394	99	risk	risk	NOUN
fsr-3370	394	100	-	-	PUNCT
fsr-3370	394	101	tolerance	tolerance	NOUN
fsr-3370	394	102	score	score	NOUN
fsr-3370	394	103	.	.	PUNCT
fsr-3370	395	1	333s	333s	PROPN
fsr-3370	395	2	.	.	PUNCT
fsr-3370	396	1	kuzniak	kuzniak	PROPN
fsr-3370	396	2	,	,	PUNCT
fsr-3370	396	3	j.e	j.e	PROPN
fsr-3370	396	4	.	.	PROPN
fsr-3370	396	5	grable	grable	PROPN
fsr-3370	396	6	/	/	SYM
fsr-3370	396	7	financial	financial	ADJ
fsr-3370	396	8	services	service	NOUN
fsr-3370	396	9	review	review	VERB
fsr-3370	396	10	26	26	NUM
fsr-3370	396	11	(	(	PUNCT
fsr-3370	396	12	2017	2017	NUM
fsr-3370	396	13	)	)	PUNCT
fsr-3370	396	14	315–338	315–338	NUM
fsr-3370	396	15	that	that	SCONJ
fsr-3370	396	16	the	the	DET
fsr-3370	396	17	direction	direction	NOUN
fsr-3370	396	18	of	of	ADP
fsr-3370	396	19	the	the	DET
fsr-3370	396	20	effects	effect	NOUN
fsr-3370	396	21	for	for	ADP
fsr-3370	396	22	each	each	PRON
fsr-3370	396	23	of	of	ADP
fsr-3370	396	24	the	the	DET
fsr-3370	396	25	independent	independent	ADJ
fsr-3370	396	26	variables	variable	NOUN
fsr-3370	396	27	(	(	PUNCT
fsr-3370	396	28	excluding	exclude	VERB
fsr-3370	396	29	social	social	ADJ
fsr-3370	396	30	support	support	NOUN
fsr-3370	396	31	)	)	PUNCT
fsr-3370	396	32	between	between	ADP
fsr-3370	396	33	respondents	respondent	NOUN
fsr-3370	396	34	who	who	PRON
fsr-3370	396	35	exhibited	exhibit	VERB
fsr-3370	396	36	a	a	DET
fsr-3370	396	37	rts	rt	NOUN
fsr-3370	396	38	decrease	decrease	NOUN
fsr-3370	396	39	and	and	CCONJ
fsr-3370	396	40	a	a	DET
fsr-3370	396	41	rts	rt	NOUN
fsr-3370	396	42	increase	increase	NOUN
fsr-3370	396	43	showed	show	VERB
fsr-3370	396	44	an	an	DET
fsr-3370	396	45	almost	almost	ADV
fsr-3370	396	46	complete	complete	ADJ
fsr-3370	396	47	inverse	inverse	NOUN
fsr-3370	396	48	relationship	relationship	NOUN
fsr-3370	396	49	.	.	PUNCT
fsr-3370	397	1	it	it	PRON
fsr-3370	397	2	is	be	AUX
fsr-3370	397	3	worth	worth	ADJ
fsr-3370	397	4	noting	note	VERB
fsr-3370	397	5	that	that	SCONJ
fsr-3370	397	6	tests	test	NOUN
fsr-3370	397	7	of	of	ADP
fsr-3370	397	8	those	those	DET
fsr-3370	397	9	respondents	respondent	NOUN
fsr-3370	397	10	who	who	PRON
fsr-3370	397	11	originally	originally	ADV
fsr-3370	397	12	had	have	VERB
fsr-3370	397	13	an	an	DET
fsr-3370	397	14	extremely	extremely	ADV
fsr-3370	397	15	low	low	ADJ
fsr-3370	397	16	rts_1	rts_1	NOUN
fsr-3370	397	17	score	score	NOUN
fsr-3370	397	18	tended	tend	VERB
fsr-3370	397	19	to	to	PART
fsr-3370	397	20	report	report	VERB
fsr-3370	397	21	a	a	DET
fsr-3370	397	22	higher	high	ADJ
fsr-3370	397	23	rts_2	rts_2	NOUN
fsr-3370	397	24	score	score	NOUN
fsr-3370	397	25	relative	relative	ADJ
fsr-3370	397	26	to	to	ADP
fsr-3370	397	27	respondents	respondent	NOUN
fsr-3370	397	28	who	who	PRON
fsr-3370	397	29	had	have	VERB
fsr-3370	397	30	stable	stable	ADJ
fsr-3370	397	31	scores	score	NOUN
fsr-3370	397	32	on	on	ADP
fsr-3370	397	33	both	both	DET
fsr-3370	397	34	tests	test	NOUN
fsr-3370	397	35	.	.	PUNCT
fsr-3370	398	1	likewise	likewise	ADV
fsr-3370	398	2	,	,	PUNCT
fsr-3370	398	3	respondents	respondent	NOUN
fsr-3370	398	4	who	who	PRON
fsr-3370	398	5	originally	originally	ADV
fsr-3370	398	6	had	have	VERB
fsr-3370	398	7	an	an	DET
fsr-3370	398	8	extremely	extremely	ADV
fsr-3370	398	9	high	high	ADJ
fsr-3370	398	10	rts_1	rts_1	NOUN
fsr-3370	398	11	score	score	NOUN
fsr-3370	398	12	tended	tend	VERB
fsr-3370	398	13	to	to	PART
fsr-3370	398	14	exhibit	exhibit	VERB
fsr-3370	398	15	a	a	DET
fsr-3370	398	16	decrease	decrease	NOUN
fsr-3370	398	17	in	in	ADP
fsr-3370	398	18	their	their	PRON
fsr-3370	398	19	rts_2	rts_2	NOUN
fsr-3370	398	20	score	score	NOUN
fsr-3370	398	21	relative	relative	ADJ
fsr-3370	398	22	to	to	ADP
fsr-3370	398	23	respondents	respondent	NOUN
fsr-3370	398	24	who	who	PRON
fsr-3370	398	25	had	have	VERB
fsr-3370	398	26	a	a	DET
fsr-3370	398	27	stable	stable	ADJ
fsr-3370	398	28	score	score	NOUN
fsr-3370	398	29	on	on	ADP
fsr-3370	398	30	both	both	DET
fsr-3370	398	31	tests	test	NOUN
fsr-3370	398	32	.	.	PUNCT
fsr-3370	399	1	table	table	NOUN
fsr-3370	399	2	9	9	NUM
fsr-3370	399	3	multinomial	multinomial	ADJ
fsr-3370	399	4	logistic	logistic	ADJ
fsr-3370	399	5	model	model	NOUN
fsr-3370	399	6	comparing	compare	VERB
fsr-3370	399	7	rts	rt	NOUN
fsr-3370	399	8	decrease	decrease	NOUN
fsr-3370	399	9	/	/	SYM
fsr-3370	399	10	increase	increase	NOUN
fsr-3370	399	11	to	to	ADP
fsr-3370	399	12	rts	rt	NOUN
fsr-3370	399	13	stable	stable	ADJ
fsr-3370	399	14	variable	variable	ADJ
fsr-3370	399	15	decrease	decrease	NOUN
fsr-3370	399	16	in	in	ADP
fsr-3370	399	17	score	score	NOUN
fsr-3370	399	18	increase	increase	NOUN
fsr-3370	399	19	in	in	ADP
fsr-3370	399	20	score	score	NOUN
fsr-3370	399	21	increase	increase	NOUN
fsr-3370	399	22	b	b	DET
fsr-3370	399	23	p	p	ADJ
fsr-3370	399	24	-	-	PUNCT
fsr-3370	399	25	value	value	NOUN
fsr-3370	399	26	increase	increase	NOUN
fsr-3370	399	27	b	b	PROPN
fsr-3370	399	28	p	p	ADJ
fsr-3370	399	29	-	-	PUNCT
fsr-3370	399	30	value	value	NOUN
fsr-3370	399	31	intercept	intercept	NOUN
fsr-3370	399	32	6.189	6.189	NUM
fsr-3370	399	33	0.000	0.000	NUM
fsr-3370	399	34	0.194	0.194	NUM
fsr-3370	399	35	0.888	0.888	NUM
fsr-3370	399	36	age	age	NOUN
fsr-3370	399	37	0.010	0.010	NUM
fsr-3370	399	38	0.043	0.043	NUM
fsr-3370	399	39	*	*	PUNCT
fsr-3370	399	40	*	*	PUNCT
fsr-3370	399	41	*	*	PUNCT
fsr-3370	399	42	�	�	PROPN
fsr-3370	399	43	0.018	0.018	NUM
fsr-3370	399	44	0.000	0.000	NUM
fsr-3370	399	45	*	*	PUNCT
fsr-3370	399	46	*	*	PUNCT
fsr-3370	399	47	*	*	PUNCT
fsr-3370	399	48	education	education	NOUN
fsr-3370	399	49	level	level	NOUN
fsr-3370	399	50	�	�	NOUN
fsr-3370	399	51	0.090	0.090	NUM
fsr-3370	399	52	0.046	0.046	NUM
fsr-3370	399	53	*	*	PUNCT
fsr-3370	399	54	*	*	PUNCT
fsr-3370	399	55	*	*	PUNCT
fsr-3370	399	56	�	�	PROPN
fsr-3370	399	57	0.048	0.048	NUM
fsr-3370	399	58	0.204	0.204	NUM
fsr-3370	399	59	income	income	NOUN
fsr-3370	399	60	�	�	NOUN
fsr-3370	399	61	0.073	0.073	NUM
fsr-3370	399	62	0.128	0.128	NUM
fsr-3370	399	63	0.033	0.033	NUM
fsr-3370	399	64	0.394	0.394	NUM
fsr-3370	399	65	household	household	NOUN
fsr-3370	399	66	size	size	NOUN
fsr-3370	399	67	�	�	PROPN
fsr-3370	399	68	0.062	0.062	NUM
fsr-3370	399	69	0.176	0.176	NUM
fsr-3370	399	70	0.035	0.035	NUM
fsr-3370	399	71	0.300	0.300	NUM
fsr-3370	399	72	net	net	ADJ
fsr-3370	399	73	worth	worth	ADJ
fsr-3370	399	74	�	�	PROPN
fsr-3370	399	75	0.057	0.057	NUM
fsr-3370	399	76	0.117	0.117	NUM
fsr-3370	399	77	�	�	PROPN
fsr-3370	399	78	0.017	0.017	NUM
fsr-3370	399	79	0.573	0.573	NUM
fsr-3370	399	80	social	social	ADJ
fsr-3370	399	81	support	support	NOUN
fsr-3370	399	82	�	�	PROPN
fsr-3370	399	83	0.105	0.105	NUM
fsr-3370	399	84	0.005	0.005	NUM
fsr-3370	399	85	*	*	PUNCT
fsr-3370	399	86	*	*	PUNCT
fsr-3370	399	87	*	*	PUNCT
fsr-3370	399	88	�	�	PROPN
fsr-3370	399	89	0.069	0.069	NUM
fsr-3370	399	90	0.031	0.031	NUM
fsr-3370	399	91	*	*	PUNCT
fsr-3370	399	92	*	*	PUNCT
fsr-3370	399	93	*	*	PUNCT
fsr-3370	399	94	commodity	commodity	NOUN
fsr-3370	399	95	index	index	NOUN
fsr-3370	399	96	�	�	PROPN
fsr-3370	399	97	0.010	0.010	NUM
fsr-3370	399	98	0.464	0.464	NUM
fsr-3370	399	99	�	�	PROPN
fsr-3370	399	100	0.014	0.014	NUM
fsr-3370	399	101	0.249	0.249	NUM
fsr-3370	399	102	gdp	gdp	PROPN
fsr-3370	399	103	�	�	PROPN
fsr-3370	399	104	0.001	0.001	NUM
fsr-3370	399	105	0.000	0.000	NUM
fsr-3370	399	106	*	*	PUNCT
fsr-3370	399	107	*	*	PUNCT
fsr-3370	399	108	*	*	PUNCT
fsr-3370	399	109	0.000	0.000	NUM
fsr-3370	399	110	0.061	0.061	NUM
fsr-3370	399	111	*	*	PUNCT
fsr-3370	399	112	*	*	PUNCT
fsr-3370	399	113	*	*	PUNCT
fsr-3370	399	114	market	market	NOUN
fsr-3370	399	115	0.001	0.001	NUM
fsr-3370	399	116	0.014	0.014	NUM
fsr-3370	399	117	*	*	PUNCT
fsr-3370	399	118	*	*	PUNCT
fsr-3370	399	119	*	*	PUNCT
fsr-3370	399	120	0.000	0.000	NUM
fsr-3370	399	121	0.143	0.143	NUM
fsr-3370	399	122	gender	gender	PROPN
fsr-3370	399	123	�	�	PROPN
fsr-3370	399	124	0.110	0.110	NUM
fsr-3370	399	125	0.292	0.292	NUM
fsr-3370	399	126	0.082	0.082	NUM
fsr-3370	399	127	0.348	0.348	NUM
fsr-3370	399	128	married	married	ADJ
fsr-3370	399	129	�	�	PROPN
fsr-3370	399	130	0.103	0.103	NUM
fsr-3370	399	131	0.423	0.423	NUM
fsr-3370	399	132	0.025	0.025	NUM
fsr-3370	399	133	0.824	0.824	NUM
fsr-3370	399	134	low	low	ADJ
fsr-3370	399	135	initial	initial	ADJ
fsr-3370	399	136	score	score	NOUN
fsr-3370	399	137	0.719	0.719	NUM
fsr-3370	399	138	0.009	0.009	NUM
fsr-3370	399	139	*	*	PUNCT
fsr-3370	399	140	*	*	PUNCT
fsr-3370	399	141	*	*	PUNCT
fsr-3370	399	142	�	�	PROPN
fsr-3370	399	143	1.344	1.344	NUM
fsr-3370	399	144	0.000	0.000	NUM
fsr-3370	399	145	*	*	PUNCT
fsr-3370	399	146	*	*	PUNCT
fsr-3370	399	147	*	*	PUNCT
fsr-3370	399	148	high	high	ADJ
fsr-3370	399	149	initial	initial	ADJ
fsr-3370	399	150	score	score	NOUN
fsr-3370	399	151	�	�	PROPN
fsr-3370	399	152	1.185	1.185	NUM
fsr-3370	399	153	0.000	0.000	NUM
fsr-3370	399	154	*	*	PUNCT
fsr-3370	399	155	*	*	PUNCT
fsr-3370	399	156	*	*	PUNCT
fsr-3370	399	157	0.898	0.898	NUM
fsr-3370	399	158	0.000	0.000	NUM
fsr-3370	399	159	*	*	PUNCT
fsr-3370	399	160	*	*	PUNCT
fsr-3370	399	161	*	*	PUNCT
fsr-3370	399	162	gdp	gdp	NOUN
fsr-3370	399	163	�	�	PROPN
fsr-3370	399	164	age	age	NOUN
fsr-3370	399	165	0.000	0.000	NUM
fsr-3370	399	166	0.961	0.961	NUM
fsr-3370	399	167	0.000	0.000	NUM
fsr-3370	399	168	0.993	0.993	NUM
fsr-3370	399	169	gdp	gdp	NOUN
fsr-3370	399	170	�	�	PROPN
fsr-3370	399	171	gender	gender	NOUN
fsr-3370	399	172	0.000	0.000	NUM
fsr-3370	399	173	0.451	0.451	NUM
fsr-3370	399	174	�	�	PROPN
fsr-3370	399	175	0.001	0.001	NUM
fsr-3370	399	176	0.015	0.015	NUM
fsr-3370	399	177	*	*	PUNCT
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fsr-3370	399	179	*	*	PUNCT
fsr-3370	399	180	gdp	gdp	PROPN
fsr-3370	399	181	�	�	PROPN
fsr-3370	399	182	education	education	PROPN
fsr-3370	399	183	0.000	0.000	NUM
fsr-3370	399	184	0.541	0.541	NUM
fsr-3370	399	185	0.000	0.000	NUM
fsr-3370	399	186	0.597	0.597	NUM
fsr-3370	399	187	gdp	gdp	NOUN
fsr-3370	399	188	�	�	PROPN
fsr-3370	399	189	income	income	NOUN
fsr-3370	399	190	0.000	0.000	NUM
fsr-3370	399	191	0.378	0.378	NUM
fsr-3370	399	192	0.000	0.000	NUM
fsr-3370	399	193	0.783	0.783	NUM
fsr-3370	399	194	gdp	gdp	NOUN
fsr-3370	399	195	�	�	PROPN
fsr-3370	399	196	married	marry	VERB
fsr-3370	399	197	0.000	0.000	NUM
fsr-3370	399	198	0.920	0.920	NUM
fsr-3370	399	199	0.000	0.000	NUM
fsr-3370	399	200	0.655	0.655	NUM
fsr-3370	399	201	gdp	gdp	NOUN
fsr-3370	399	202	�	�	PROPN
fsr-3370	399	203	household	household	NOUN
fsr-3370	399	204	size	size	NOUN
fsr-3370	399	205	0.000	0.000	NUM
fsr-3370	399	206	0.969	0.969	NUM
fsr-3370	399	207	0.000	0.000	NUM
fsr-3370	399	208	0.906	0.906	NUM
fsr-3370	399	209	gdp	gdp	NOUN
fsr-3370	399	210	�	�	PROPN
fsr-3370	399	211	net	net	PROPN
fsr-3370	399	212	worth	worth	ADJ
fsr-3370	399	213	0.000	0.000	NUM
fsr-3370	399	214	0.380	0.380	NUM
fsr-3370	399	215	0.000	0.000	NUM
fsr-3370	399	216	0.429	0.429	NUM
fsr-3370	399	217	gdp	gdp	NOUN
fsr-3370	399	218	�	�	PROPN
fsr-3370	399	219	social	social	ADJ
fsr-3370	399	220	support	support	NOUN
fsr-3370	399	221	0.000	0.000	NUM
fsr-3370	399	222	0.039	0.039	NUM
fsr-3370	399	223	*	*	PUNCT
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fsr-3370	399	225	*	*	PUNCT
fsr-3370	399	226	0.000	0.000	NUM
fsr-3370	399	227	0.290	0.290	NUM
fsr-3370	399	228	market	market	NOUN
fsr-3370	399	229	�	�	NOUN
fsr-3370	399	230	age	age	NOUN
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fsr-3370	399	232	0.166	0.166	NUM
fsr-3370	399	233	0.000	0.000	NUM
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fsr-3370	399	235	*	*	PUNCT
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fsr-3370	399	237	*	*	PUNCT
fsr-3370	399	238	market	market	NOUN
fsr-3370	399	239	�	�	PROPN
fsr-3370	399	240	gender	gender	NOUN
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fsr-3370	399	243	0.001	0.001	NUM
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fsr-3370	399	245	*	*	PUNCT
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fsr-3370	399	247	*	*	PUNCT
fsr-3370	399	248	market	market	NOUN
fsr-3370	399	249	�	�	PROPN
fsr-3370	399	250	ed	ed	NOUN
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fsr-3370	399	254	0.972	0.972	NUM
fsr-3370	399	255	market	market	NOUN
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fsr-3370	399	257	income	income	NOUN
fsr-3370	399	258	0.000	0.000	NUM
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fsr-3370	399	260	0.000	0.000	NUM
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fsr-3370	399	262	market	market	NOUN
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fsr-3370	399	265	�	�	PROPN
fsr-3370	399	266	0.001	0.001	NUM
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fsr-3370	399	268	�	�	NOUN
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fsr-3370	399	271	market	market	NOUN
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fsr-3370	399	273	household	household	NOUN
fsr-3370	399	274	size	size	NOUN
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fsr-3370	399	279	market	market	NOUN
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fsr-3370	399	281	net	net	NOUN
fsr-3370	399	282	worth	worth	ADJ
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fsr-3370	399	287	market	market	NOUN
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fsr-3370	399	289	social	social	ADJ
fsr-3370	399	290	support	support	NOUN
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fsr-3370	399	297	age	age	PROPN
fsr-3370	399	298	�	�	PROPN
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fsr-3370	399	303	commodity	commodity	NOUN
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fsr-3370	399	310	commodity	commodity	NOUN
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fsr-3370	399	317	commodity	commodity	NOUN
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fsr-3370	399	320	�	�	PROPN
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fsr-3370	399	325	commodity	commodity	NOUN
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fsr-3370	399	333	commodity	commodity	NOUN
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fsr-3370	399	335	household	household	NOUN
fsr-3370	399	336	size	size	NOUN
fsr-3370	399	337	�	�	PROPN
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fsr-3370	399	342	commodity	commodity	NOUN
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fsr-3370	399	344	net	net	PROPN
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fsr-3370	399	346	�	�	PROPN
fsr-3370	399	347	0.004	0.004	NUM
fsr-3370	399	348	0.654	0.654	NUM
fsr-3370	399	349	�	�	PROPN
fsr-3370	399	350	0.011	0.011	NUM
fsr-3370	399	351	0.258	0.258	NUM
fsr-3370	399	352	commodity	commodity	NOUN
fsr-3370	399	353	�	�	PROPN
fsr-3370	399	354	social	social	ADJ
fsr-3370	399	355	support	support	NOUN
fsr-3370	399	356	0.002	0.002	NUM
fsr-3370	399	357	0.837	0.837	NUM
fsr-3370	399	358	0.006	0.006	NUM
fsr-3370	399	359	0.516	0.516	NUM
fsr-3370	399	360	gdp	gdp	PROPN
fsr-3370	399	361	�	�	PROPN
fsr-3370	399	362	gross	gross	ADJ
fsr-3370	399	363	domestic	domestic	ADJ
fsr-3370	399	364	product	product	NOUN
fsr-3370	399	365	.	.	PUNCT
fsr-3370	400	1	n	n	PRON
fsr-3370	400	2	�	�	PROPN
fsr-3370	400	3	4,983	4,983	NUM
fsr-3370	400	4	:	:	PUNCT
fsr-3370	400	5	cox	cox	PROPN
fsr-3370	400	6	and	and	CCONJ
fsr-3370	400	7	snell	snell	PROPN
fsr-3370	400	8	(	(	PUNCT
fsr-3370	400	9	1989	1989	NUM
fsr-3370	400	10	)	)	PUNCT
fsr-3370	400	11	for	for	ADP
fsr-3370	400	12	first	first	ADJ
fsr-3370	400	13	model	model	NOUN
fsr-3370	400	14	:	:	PUNCT
fsr-3370	400	15	0.07	0.07	NUM
fsr-3370	400	16	;	;	PUNCT
fsr-3370	400	17	cox	cox	PROPN
fsr-3370	400	18	and	and	CCONJ
fsr-3370	400	19	snell	snell	PROPN
fsr-3370	400	20	(	(	PUNCT
fsr-3370	400	21	1989	1989	NUM
fsr-3370	400	22	)	)	PUNCT
fsr-3370	400	23	for	for	ADP
fsr-3370	400	24	second	second	ADJ
fsr-3370	400	25	model	model	NOUN
fsr-3370	400	26	:	:	PUNCT
fsr-3370	400	27	0.07	0.07	NUM
fsr-3370	400	28	.	.	PUNCT
fsr-3370	401	1	334	334	NUM
fsr-3370	401	2	s.	s.	PROPN
fsr-3370	401	3	kuzniak	kuzniak	PROPN
fsr-3370	401	4	,	,	PUNCT
fsr-3370	401	5	j.e	j.e	PROPN
fsr-3370	401	6	.	.	PROPN
fsr-3370	401	7	grable	grable	PROPN
fsr-3370	401	8	/	/	SYM
fsr-3370	401	9	financial	financial	ADJ
fsr-3370	401	10	services	service	NOUN
fsr-3370	401	11	review	review	VERB
fsr-3370	401	12	26	26	NUM
fsr-3370	401	13	(	(	PUNCT
fsr-3370	401	14	2017	2017	NUM
fsr-3370	401	15	)	)	PUNCT
fsr-3370	401	16	315–338	315–338	NUM
fsr-3370	401	17	6	6	NUM
fsr-3370	401	18	.	.	PUNCT
fsr-3370	402	1	discussion	discussion	NOUN
fsr-3370	402	2	the	the	DET
fsr-3370	402	3	principal	principal	ADJ
fsr-3370	402	4	purpose	purpose	NOUN
fsr-3370	402	5	of	of	ADP
fsr-3370	402	6	this	this	DET
fsr-3370	402	7	study	study	NOUN
fsr-3370	402	8	was	be	AUX
fsr-3370	402	9	to	to	PART
fsr-3370	402	10	identify	identify	VERB
fsr-3370	402	11	biopsychosocial	biopsychosocial	ADJ
fsr-3370	402	12	,	,	PUNCT
fsr-3370	402	13	environmental	environmental	ADJ
fsr-3370	402	14	,	,	PUNCT
fsr-3370	402	15	macroeconomic	macroeconomic	ADJ
fsr-3370	402	16	,	,	PUNCT
fsr-3370	402	17	and	and	CCONJ
fsr-3370	402	18	social	social	ADJ
fsr-3370	402	19	support	support	NOUN
fsr-3370	402	20	variables	variable	NOUN
fsr-3370	402	21	associated	associate	VERB
fsr-3370	402	22	with	with	ADP
fsr-3370	402	23	changes	change	NOUN
fsr-3370	402	24	in	in	ADP
fsr-3370	402	25	frt	frt	NOUN
fsr-3370	402	26	across	across	ADP
fsr-3370	402	27	time	time	NOUN
fsr-3370	402	28	.	.	PUNCT
fsr-3370	403	1	several	several	ADJ
fsr-3370	403	2	noteworthy	noteworthy	ADJ
fsr-3370	403	3	findings	finding	NOUN
fsr-3370	403	4	emerged	emerge	VERB
fsr-3370	403	5	from	from	ADP
fsr-3370	403	6	the	the	DET
fsr-3370	403	7	analysis	analysis	NOUN
fsr-3370	403	8	.	.	PUNCT
fsr-3370	404	1	in	in	ADP
fsr-3370	404	2	general	general	ADJ
fsr-3370	404	3	,	,	PUNCT
fsr-3370	404	4	those	those	PRON
fsr-3370	404	5	who	who	PRON
fsr-3370	404	6	were	be	AUX
fsr-3370	404	7	older	old	ADJ
fsr-3370	404	8	at	at	ADP
fsr-3370	404	9	the	the	DET
fsr-3370	404	10	initial	initial	ADJ
fsr-3370	404	11	test	test	NOUN
fsr-3370	404	12	date	date	NOUN
fsr-3370	404	13	were	be	AUX
fsr-3370	404	14	more	more	ADV
fsr-3370	404	15	likely	likely	ADJ
fsr-3370	404	16	to	to	PART
fsr-3370	404	17	exhibit	exhibit	VERB
fsr-3370	404	18	a	a	DET
fsr-3370	404	19	significant	significant	ADJ
fsr-3370	404	20	decline	decline	NOUN
fsr-3370	404	21	in	in	ADP
fsr-3370	404	22	their	their	PRON
fsr-3370	404	23	risk	risk	NOUN
fsr-3370	404	24	score	score	NOUN
fsr-3370	404	25	.	.	PUNCT
fsr-3370	405	1	a	a	DET
fsr-3370	405	2	similar	similar	ADJ
fsr-3370	405	3	result	result	NOUN
fsr-3370	405	4	was	be	AUX
fsr-3370	405	5	noted	note	VERB
fsr-3370	405	6	for	for	ADP
fsr-3370	405	7	those	those	PRON
fsr-3370	405	8	with	with	ADP
fsr-3370	405	9	less	less	ADV
fsr-3370	405	10	formal	formal	ADJ
fsr-3370	405	11	education	education	NOUN
fsr-3370	405	12	.	.	PUNCT
fsr-3370	406	1	an	an	DET
fsr-3370	406	2	interesting	interesting	ADJ
fsr-3370	406	3	find	find	NOUN
fsr-3370	406	4	was	be	AUX
fsr-3370	406	5	that	that	PRON
fsr-3370	406	6	living	live	VERB
fsr-3370	406	7	in	in	ADP
fsr-3370	406	8	a	a	DET
fsr-3370	406	9	country	country	NOUN
fsr-3370	406	10	with	with	ADP
fsr-3370	406	11	high	high	ADJ
fsr-3370	406	12	social	social	ADJ
fsr-3370	406	13	support	support	NOUN
fsr-3370	406	14	tended	tend	VERB
fsr-3370	406	15	to	to	PART
fsr-3370	406	16	reduce	reduce	VERB
fsr-3370	406	17	the	the	DET
fsr-3370	406	18	migration	migration	NOUN
fsr-3370	406	19	towards	towards	ADP
fsr-3370	406	20	either	either	CCONJ
fsr-3370	406	21	a	a	DET
fsr-3370	406	22	decrease	decrease	NOUN
fsr-3370	406	23	or	or	CCONJ
fsr-3370	406	24	increase	increase	VERB
fsr-3370	406	25	on	on	ADP
fsr-3370	406	26	frt	frt	NOUN
fsr-3370	406	27	scores	score	NOUN
fsr-3370	406	28	.	.	PUNCT
fsr-3370	407	1	living	live	VERB
fsr-3370	407	2	in	in	ADP
fsr-3370	407	3	a	a	DET
fsr-3370	407	4	country	country	NOUN
fsr-3370	407	5	with	with	ADP
fsr-3370	407	6	a	a	DET
fsr-3370	407	7	high	high	ADJ
fsr-3370	407	8	gdp	gdp	NOUN
fsr-3370	407	9	was	be	AUX
fsr-3370	407	10	indicative	indicative	ADJ
fsr-3370	407	11	of	of	ADP
fsr-3370	407	12	exhibiting	exhibit	VERB
fsr-3370	407	13	an	an	DET
fsr-3370	407	14	increase	increase	NOUN
fsr-3370	407	15	in	in	ADP
fsr-3370	407	16	frt	frt	NOUN
fsr-3370	407	17	scores	score	NOUN
fsr-3370	407	18	.	.	PUNCT
fsr-3370	408	1	high	high	ADJ
fsr-3370	408	2	market	market	NOUN
fsr-3370	408	3	values	value	NOUN
fsr-3370	408	4	at	at	ADP
fsr-3370	408	5	the	the	DET
fsr-3370	408	6	initial	initial	ADJ
fsr-3370	408	7	assessment	assessment	NOUN
fsr-3370	408	8	was	be	AUX
fsr-3370	408	9	predictive	predictive	ADJ
fsr-3370	408	10	of	of	ADP
fsr-3370	408	11	a	a	DET
fsr-3370	408	12	decrease	decrease	NOUN
fsr-3370	408	13	in	in	ADP
fsr-3370	408	14	frt	frt	NOUN
fsr-3370	408	15	.	.	PUNCT
fsr-3370	409	1	the	the	DET
fsr-3370	409	2	findings	finding	NOUN
fsr-3370	409	3	from	from	ADP
fsr-3370	409	4	this	this	DET
fsr-3370	409	5	study	study	NOUN
fsr-3370	409	6	can	can	AUX
fsr-3370	409	7	be	be	AUX
fsr-3370	409	8	incorporated	incorporate	VERB
fsr-3370	409	9	into	into	ADP
fsr-3370	409	10	the	the	DET
fsr-3370	409	11	practice	practice	NOUN
fsr-3370	409	12	of	of	ADP
fsr-3370	409	13	financial	financial	ADJ
fsr-3370	409	14	planning	planning	NOUN
fsr-3370	409	15	.	.	PUNCT
fsr-3370	410	1	one	one	NUM
fsr-3370	410	2	of	of	ADP
fsr-3370	410	3	the	the	DET
fsr-3370	410	4	challenges	challenge	NOUN
fsr-3370	410	5	many	many	ADJ
fsr-3370	410	6	financial	financial	ADJ
fsr-3370	410	7	professionals	professional	NOUN
fsr-3370	410	8	face	face	VERB
fsr-3370	410	9	is	be	AUX
fsr-3370	410	10	the	the	DET
fsr-3370	410	11	need	need	NOUN
fsr-3370	410	12	to	to	PART
fsr-3370	410	13	gain	gain	VERB
fsr-3370	410	14	an	an	DET
fsr-3370	410	15	understanding	understanding	NOUN
fsr-3370	410	16	of	of	ADP
fsr-3370	410	17	a	a	DET
fsr-3370	410	18	client	client	NOUN
fsr-3370	410	19	’s	’s	PART
fsr-3370	410	20	feelings	feeling	NOUN
fsr-3370	410	21	and	and	CCONJ
fsr-3370	410	22	attitudes	attitude	NOUN
fsr-3370	410	23	validly	validly	ADV
fsr-3370	410	24	and	and	CCONJ
fsr-3370	410	25	quickly	quickly	ADV
fsr-3370	410	26	during	during	ADP
fsr-3370	410	27	the	the	DET
fsr-3370	410	28	data	data	NOUN
fsr-3370	410	29	gathering	gathering	NOUN
fsr-3370	410	30	phase	phase	NOUN
fsr-3370	410	31	of	of	ADP
fsr-3370	410	32	the	the	DET
fsr-3370	410	33	financial	financial	ADJ
fsr-3370	410	34	planning	planning	NOUN
fsr-3370	410	35	process	process	NOUN
fsr-3370	410	36	.	.	PUNCT
fsr-3370	411	1	rapport	rapport	NOUN
fsr-3370	411	2	is	be	AUX
fsr-3370	411	3	often	often	ADV
fsr-3370	411	4	built	build	VERB
fsr-3370	411	5	over	over	ADP
fsr-3370	411	6	time	time	NOUN
fsr-3370	411	7	,	,	PUNCT
fsr-3370	411	8	which	which	PRON
fsr-3370	411	9	makes	make	VERB
fsr-3370	411	10	it	it	PRON
fsr-3370	411	11	difficult	difficult	ADJ
fsr-3370	411	12	to	to	PART
fsr-3370	411	13	gain	gain	VERB
fsr-3370	411	14	a	a	DET
fsr-3370	411	15	full	full	ADJ
fsr-3370	411	16	picture	picture	NOUN
fsr-3370	411	17	of	of	ADP
fsr-3370	411	18	an	an	DET
fsr-3370	411	19	individual	individual	NOUN
fsr-3370	411	20	after	after	ADP
fsr-3370	411	21	a	a	DET
fsr-3370	411	22	short	short	ADJ
fsr-3370	411	23	introductory	introductory	NOUN
fsr-3370	411	24	meeting	meeting	NOUN
fsr-3370	411	25	or	or	CCONJ
fsr-3370	411	26	two	two	NUM
fsr-3370	411	27	.	.	PUNCT
fsr-3370	412	1	trying	try	VERB
fsr-3370	412	2	to	to	PART
fsr-3370	412	3	assess	assess	VERB
fsr-3370	412	4	different	different	ADJ
fsr-3370	412	5	personality	personality	NOUN
fsr-3370	412	6	traits	trait	NOUN
fsr-3370	412	7	or	or	CCONJ
fsr-3370	412	8	tendencies	tendency	NOUN
fsr-3370	412	9	is	be	AUX
fsr-3370	412	10	often	often	ADV
fsr-3370	412	11	accomplished	accomplish	VERB
fsr-3370	412	12	through	through	ADP
fsr-3370	412	13	various	various	ADJ
fsr-3370	412	14	assessments	assessment	NOUN
fsr-3370	412	15	and	and	CCONJ
fsr-3370	412	16	,	,	PUNCT
fsr-3370	412	17	for	for	ADP
fsr-3370	412	18	better	well	ADJ
fsr-3370	412	19	or	or	CCONJ
fsr-3370	412	20	worse	bad	ADJ
fsr-3370	412	21	,	,	PUNCT
fsr-3370	412	22	financial	financial	ADJ
fsr-3370	412	23	planner	planner	NOUN
fsr-3370	412	24	intuition	intuition	NOUN
fsr-3370	412	25	.	.	PUNCT
fsr-3370	413	1	risk	risk	NOUN
fsr-3370	413	2	capacity	capacity	NOUN
fsr-3370	413	3	is	be	AUX
fsr-3370	413	4	often	often	ADV
fsr-3370	413	5	examined	examine	VERB
fsr-3370	413	6	once	once	ADV
fsr-3370	413	7	all	all	DET
fsr-3370	413	8	relevant	relevant	ADJ
fsr-3370	413	9	documents	document	NOUN
fsr-3370	413	10	(	(	PUNCT
fsr-3370	413	11	e.g.	e.g.	ADV
fsr-3370	413	12	,	,	PUNCT
fsr-3370	413	13	cash	cash	NOUN
fsr-3370	413	14	flow	flow	NOUN
fsr-3370	413	15	,	,	PUNCT
fsr-3370	413	16	net	net	ADJ
fsr-3370	413	17	worth	worth	NOUN
fsr-3370	413	18	,	,	PUNCT
fsr-3370	413	19	and	and	CCONJ
fsr-3370	413	20	insurance	insurance	NOUN
fsr-3370	413	21	forms	form	NOUN
fsr-3370	413	22	)	)	PUNCT
fsr-3370	413	23	have	have	AUX
fsr-3370	413	24	been	be	AUX
fsr-3370	413	25	reviewed	review	VERB
fsr-3370	413	26	,	,	PUNCT
fsr-3370	413	27	but	but	CCONJ
fsr-3370	413	28	accurately	accurately	ADV
fsr-3370	413	29	assessing	assess	VERB
fsr-3370	413	30	personality	personality	NOUN
fsr-3370	413	31	attitudes	attitude	NOUN
fsr-3370	413	32	and	and	CCONJ
fsr-3370	413	33	traits	trait	NOUN
fsr-3370	413	34	in	in	ADP
fsr-3370	413	35	a	a	DET
fsr-3370	413	36	brief	brief	ADJ
fsr-3370	413	37	period	period	NOUN
fsr-3370	413	38	of	of	ADP
fsr-3370	413	39	time	time	NOUN
fsr-3370	413	40	is	be	AUX
fsr-3370	413	41	also	also	ADV
fsr-3370	413	42	necessary	necessary	ADJ
fsr-3370	413	43	and	and	CCONJ
fsr-3370	413	44	,	,	PUNCT
fsr-3370	413	45	if	if	SCONJ
fsr-3370	413	46	accurate	accurate	ADJ
fsr-3370	413	47	,	,	PUNCT
fsr-3370	413	48	helpful	helpful	ADJ
fsr-3370	413	49	for	for	ADP
fsr-3370	413	50	both	both	CCONJ
fsr-3370	413	51	the	the	DET
fsr-3370	413	52	client	client	NOUN
fsr-3370	413	53	and	and	CCONJ
fsr-3370	413	54	the	the	DET
fsr-3370	413	55	financial	financial	ADJ
fsr-3370	413	56	planner	planner	NOUN
fsr-3370	413	57	.	.	PUNCT
fsr-3370	414	1	to	to	PART
fsr-3370	414	2	help	help	VERB
fsr-3370	414	3	a	a	DET
fsr-3370	414	4	client	client	NOUN
fsr-3370	414	5	allocate	allocate	VERB
fsr-3370	414	6	their	their	PRON
fsr-3370	414	7	investments	investment	NOUN
fsr-3370	414	8	,	,	PUNCT
fsr-3370	414	9	some	some	DET
fsr-3370	414	10	form	form	NOUN
fsr-3370	414	11	of	of	ADP
fsr-3370	414	12	frt	frt	NOUN
fsr-3370	414	13	assessment	assessment	NOUN
fsr-3370	414	14	is	be	AUX
fsr-3370	414	15	needed	need	VERB
fsr-3370	414	16	.	.	PUNCT
fsr-3370	415	1	in	in	ADP
fsr-3370	415	2	addition	addition	NOUN
fsr-3370	415	3	to	to	ADP
fsr-3370	415	4	a	a	DET
fsr-3370	415	5	basic	basic	ADJ
fsr-3370	415	6	risk	risk	NOUN
fsr-3370	415	7	assessment	assessment	NOUN
fsr-3370	415	8	,	,	PUNCT
fsr-3370	415	9	financial	financial	ADJ
fsr-3370	415	10	planners	planner	NOUN
fsr-3370	415	11	also	also	ADV
fsr-3370	415	12	need	need	VERB
fsr-3370	415	13	to	to	PART
fsr-3370	415	14	know	know	VERB
fsr-3370	415	15	if	if	SCONJ
fsr-3370	415	16	the	the	DET
fsr-3370	415	17	information	information	NOUN
fsr-3370	415	18	gathered	gather	VERB
fsr-3370	415	19	will	will	AUX
fsr-3370	415	20	be	be	AUX
fsr-3370	415	21	relevant	relevant	ADJ
fsr-3370	415	22	now	now	ADV
fsr-3370	415	23	and	and	CCONJ
fsr-3370	415	24	in	in	ADP
fsr-3370	415	25	the	the	DET
fsr-3370	415	26	future	future	NOUN
fsr-3370	415	27	.	.	PUNCT
fsr-3370	416	1	it	it	PRON
fsr-3370	416	2	is	be	AUX
fsr-3370	416	3	customary	customary	ADJ
fsr-3370	416	4	to	to	PART
fsr-3370	416	5	have	have	VERB
fsr-3370	416	6	a	a	DET
fsr-3370	416	7	client	client	NOUN
fsr-3370	416	8	complete	complete	VERB
fsr-3370	416	9	a	a	DET
fsr-3370	416	10	frt	frt	NOUN
fsr-3370	416	11	assessment	assessment	NOUN
fsr-3370	416	12	during	during	ADP
fsr-3370	416	13	the	the	DET
fsr-3370	416	14	data	data	NOUN
fsr-3370	416	15	intake	intake	NOUN
fsr-3370	416	16	process	process	NOUN
fsr-3370	416	17	.	.	PUNCT
fsr-3370	417	1	other	other	ADJ
fsr-3370	417	2	than	than	ADP
fsr-3370	417	3	an	an	DET
fsr-3370	417	4	initial	initial	ADJ
fsr-3370	417	5	assessment	assessment	NOUN
fsr-3370	417	6	,	,	PUNCT
fsr-3370	417	7	there	there	PRON
fsr-3370	417	8	are	be	VERB
fsr-3370	417	9	no	no	DET
fsr-3370	417	10	rules	rule	NOUN
fsr-3370	417	11	that	that	PRON
fsr-3370	417	12	require	require	VERB
fsr-3370	417	13	any	any	DET
fsr-3370	417	14	follow	follow	VERB
fsr-3370	417	15	-	-	PUNCT
fsr-3370	417	16	up	up	ADP
fsr-3370	417	17	evaluations	evaluation	NOUN
fsr-3370	417	18	.	.	PUNCT
fsr-3370	418	1	being	be	AUX
fsr-3370	418	2	able	able	ADJ
fsr-3370	418	3	to	to	PART
fsr-3370	418	4	identify	identify	VERB
fsr-3370	418	5	clients	client	NOUN
fsr-3370	418	6	who	who	PRON
fsr-3370	418	7	are	be	AUX
fsr-3370	418	8	likely	likely	ADJ
fsr-3370	418	9	to	to	PART
fsr-3370	418	10	show	show	VERB
fsr-3370	418	11	a	a	DET
fsr-3370	418	12	frt	frt	NOUN
fsr-3370	418	13	change	change	NOUN
fsr-3370	418	14	can	can	AUX
fsr-3370	418	15	be	be	AUX
fsr-3370	418	16	helpful	helpful	ADJ
fsr-3370	418	17	for	for	ADP
fsr-3370	418	18	both	both	CCONJ
fsr-3370	418	19	financial	financial	ADJ
fsr-3370	418	20	planners	planner	NOUN
fsr-3370	418	21	and	and	CCONJ
fsr-3370	418	22	individuals	individual	NOUN
fsr-3370	418	23	assessing	assess	VERB
fsr-3370	418	24	their	their	PRON
fsr-3370	418	25	own	own	ADJ
fsr-3370	418	26	allocation	allocation	NOUN
fsr-3370	418	27	decisions	decision	NOUN
fsr-3370	418	28	.	.	PUNCT
fsr-3370	419	1	findings	finding	NOUN
fsr-3370	419	2	from	from	ADP
fsr-3370	419	3	this	this	DET
fsr-3370	419	4	study	study	NOUN
fsr-3370	419	5	help	help	VERB
fsr-3370	419	6	financial	financial	ADJ
fsr-3370	419	7	planners	planner	NOUN
fsr-3370	419	8	determine	determine	VERB
fsr-3370	419	9	approximately	approximately	ADV
fsr-3370	419	10	how	how	SCONJ
fsr-3370	419	11	“	"	PUNCT
fsr-3370	419	12	traited	traite	VERB
fsr-3370	419	13	”	"	PUNCT
fsr-3370	419	14	frt	frt	NOUN
fsr-3370	419	15	is	be	AUX
fsr-3370	419	16	and	and	CCONJ
fsr-3370	419	17	what	what	PRON
fsr-3370	419	18	the	the	DET
fsr-3370	419	19	characteristics	characteristic	NOUN
fsr-3370	419	20	are	be	AUX
fsr-3370	419	21	of	of	ADP
fsr-3370	419	22	individuals	individual	NOUN
fsr-3370	419	23	who	who	PRON
fsr-3370	419	24	may	may	AUX
fsr-3370	419	25	change	change	VERB
fsr-3370	419	26	over	over	ADP
fsr-3370	419	27	time	time	NOUN
fsr-3370	419	28	.	.	PUNCT
fsr-3370	420	1	as	as	SCONJ
fsr-3370	420	2	shown	show	VERB
fsr-3370	420	3	here	here	ADV
fsr-3370	420	4	,	,	PUNCT
fsr-3370	420	5	individuals	individual	NOUN
fsr-3370	420	6	tend	tend	VERB
fsr-3370	420	7	to	to	PART
fsr-3370	420	8	exhibit	exhibit	VERB
fsr-3370	420	9	generally	generally	ADV
fsr-3370	420	10	stable	stable	ADJ
fsr-3370	420	11	frt	frt	NOUN
fsr-3370	420	12	scores	score	NOUN
fsr-3370	420	13	,	,	PUNCT
fsr-3370	420	14	but	but	CCONJ
fsr-3370	420	15	as	as	SCONJ
fsr-3370	420	16	most	most	ADJ
fsr-3370	420	17	financial	financial	ADJ
fsr-3370	420	18	planners	planner	NOUN
fsr-3370	420	19	know	know	VERB
fsr-3370	420	20	,	,	PUNCT
fsr-3370	420	21	household	household	NOUN
fsr-3370	420	22	dynamics	dynamic	NOUN
fsr-3370	420	23	do	do	AUX
fsr-3370	420	24	change	change	VERB
fsr-3370	420	25	over	over	ADP
fsr-3370	420	26	time	time	NOUN
fsr-3370	420	27	,	,	PUNCT
fsr-3370	420	28	which	which	PRON
fsr-3370	420	29	may	may	AUX
fsr-3370	420	30	cause	cause	VERB
fsr-3370	420	31	this	this	DET
fsr-3370	420	32	financial	financial	ADJ
fsr-3370	420	33	planning	planning	NOUN
fsr-3370	420	34	data	datum	NOUN
fsr-3370	420	35	input	input	NOUN
fsr-3370	420	36	to	to	PART
fsr-3370	420	37	change	change	VERB
fsr-3370	420	38	.	.	PUNCT
fsr-3370	421	1	in	in	ADP
fsr-3370	421	2	general	general	ADJ
fsr-3370	421	3	,	,	PUNCT
fsr-3370	421	4	frt	frt	PROPN
fsr-3370	421	5	scores	score	NOUN
fsr-3370	421	6	increased	increase	VERB
fsr-3370	421	7	across	across	ADP
fsr-3370	421	8	the	the	DET
fsr-3370	421	9	sample	sample	NOUN
fsr-3370	421	10	,	,	PUNCT
fsr-3370	421	11	but	but	CCONJ
fsr-3370	421	12	not	not	PART
fsr-3370	421	13	enough	enough	ADJ
fsr-3370	421	14	to	to	PART
fsr-3370	421	15	warrant	warrant	VERB
fsr-3370	421	16	a	a	DET
fsr-3370	421	17	change	change	NOUN
fsr-3370	421	18	in	in	ADP
fsr-3370	421	19	portfolio	portfolio	NOUN
fsr-3370	421	20	or	or	CCONJ
fsr-3370	421	21	other	other	ADJ
fsr-3370	421	22	financial	financial	ADJ
fsr-3370	421	23	recommendations	recommendation	NOUN
fsr-3370	421	24	.	.	PUNCT
fsr-3370	422	1	among	among	ADP
fsr-3370	422	2	some	some	DET
fsr-3370	422	3	respondents	respondent	NOUN
fsr-3370	422	4	,	,	PUNCT
fsr-3370	422	5	a	a	DET
fsr-3370	422	6	marked	mark	VERB
fsr-3370	422	7	decrease	decrease	NOUN
fsr-3370	422	8	or	or	CCONJ
fsr-3370	422	9	increase	increase	VERB
fsr-3370	422	10	in	in	ADP
fsr-3370	422	11	frt	frt	NOUN
fsr-3370	422	12	scores	score	NOUN
fsr-3370	422	13	was	be	AUX
fsr-3370	422	14	noted	note	VERB
fsr-3370	422	15	.	.	PUNCT
fsr-3370	423	1	the	the	DET
fsr-3370	423	2	age	age	NOUN
fsr-3370	423	3	of	of	ADP
fsr-3370	423	4	the	the	DET
fsr-3370	423	5	test	test	NOUN
fsr-3370	423	6	taker	taker	NOUN
fsr-3370	423	7	was	be	AUX
fsr-3370	423	8	an	an	DET
fsr-3370	423	9	important	important	ADJ
fsr-3370	423	10	predictor	predictor	NOUN
fsr-3370	423	11	of	of	ADP
fsr-3370	423	12	change	change	NOUN
fsr-3370	423	13	.	.	PUNCT
fsr-3370	424	1	older	old	ADJ
fsr-3370	424	2	respondents	respondent	NOUN
fsr-3370	424	3	were	be	AUX
fsr-3370	424	4	more	more	ADV
fsr-3370	424	5	likely	likely	ADJ
fsr-3370	424	6	to	to	PART
fsr-3370	424	7	exhibit	exhibit	VERB
fsr-3370	424	8	a	a	DET
fsr-3370	424	9	decrease	decrease	NOUN
fsr-3370	424	10	in	in	ADP
fsr-3370	424	11	their	their	PRON
fsr-3370	424	12	rts	rt	NOUN
fsr-3370	424	13	,	,	PUNCT
fsr-3370	424	14	whereas	whereas	SCONJ
fsr-3370	424	15	younger	young	ADJ
fsr-3370	424	16	respondents	respondent	NOUN
fsr-3370	424	17	were	be	AUX
fsr-3370	424	18	more	more	ADV
fsr-3370	424	19	likely	likely	ADJ
fsr-3370	424	20	to	to	PART
fsr-3370	424	21	report	report	VERB
fsr-3370	424	22	a	a	DET
fsr-3370	424	23	higher	high	ADJ
fsr-3370	424	24	rts	rt	NOUN
fsr-3370	424	25	at	at	ADP
fsr-3370	424	26	a	a	DET
fsr-3370	424	27	later	later	ADJ
fsr-3370	424	28	date	date	NOUN
fsr-3370	424	29	.	.	PUNCT
fsr-3370	425	1	another	another	DET
fsr-3370	425	2	insight	insight	NOUN
fsr-3370	425	3	is	be	AUX
fsr-3370	425	4	that	that	PRON
fsr-3370	425	5	initial	initial	ADJ
fsr-3370	425	6	test	test	NOUN
fsr-3370	425	7	scores	score	NOUN
fsr-3370	425	8	were	be	AUX
fsr-3370	425	9	predictive	predictive	ADJ
fsr-3370	425	10	of	of	ADP
fsr-3370	425	11	future	future	ADJ
fsr-3370	425	12	scores	score	NOUN
fsr-3370	425	13	.	.	PUNCT
fsr-3370	426	1	a	a	DET
fsr-3370	426	2	rts	rt	NOUN
fsr-3370	426	3	outside	outside	ADP
fsr-3370	426	4	the	the	DET
fsr-3370	426	5	typical	typical	ADJ
fsr-3370	426	6	range	range	NOUN
fsr-3370	426	7	provides	provide	VERB
fsr-3370	426	8	an	an	DET
fsr-3370	426	9	indication	indication	NOUN
fsr-3370	426	10	that	that	SCONJ
fsr-3370	426	11	a	a	DET
fsr-3370	426	12	client	client	NOUN
fsr-3370	426	13	may	may	AUX
fsr-3370	426	14	exhibit	exhibit	VERB
fsr-3370	426	15	a	a	DET
fsr-3370	426	16	meaningful	meaningful	ADJ
fsr-3370	426	17	change	change	NOUN
fsr-3370	426	18	in	in	ADP
fsr-3370	426	19	his	his	PRON
fsr-3370	426	20	or	or	CCONJ
fsr-3370	426	21	her	her	PRON
fsr-3370	426	22	frt	frt	NOUN
fsr-3370	426	23	at	at	ADP
fsr-3370	426	24	some	some	DET
fsr-3370	426	25	point	point	NOUN
fsr-3370	426	26	in	in	ADP
fsr-3370	426	27	the	the	DET
fsr-3370	426	28	future	future	NOUN
fsr-3370	426	29	.	.	PUNCT
fsr-3370	427	1	if	if	SCONJ
fsr-3370	427	2	a	a	DET
fsr-3370	427	3	client	client	NOUN
fsr-3370	427	4	initially	initially	ADV
fsr-3370	427	5	scores	score	VERB
fsr-3370	427	6	extremely	extremely	ADV
fsr-3370	427	7	high	high	ADJ
fsr-3370	427	8	or	or	CCONJ
fsr-3370	427	9	extremely	extremely	ADV
fsr-3370	427	10	low	low	ADJ
fsr-3370	427	11	,	,	PUNCT
fsr-3370	427	12	it	it	PRON
fsr-3370	427	13	may	may	AUX
fsr-3370	427	14	be	be	AUX
fsr-3370	427	15	useful	useful	ADJ
fsr-3370	427	16	to	to	PART
fsr-3370	427	17	monitor	monitor	VERB
fsr-3370	427	18	that	that	DET
fsr-3370	427	19	individual	individual	NOUN
fsr-3370	427	20	closely	closely	ADV
fsr-3370	427	21	across	across	ADP
fsr-3370	427	22	time	time	NOUN
fsr-3370	427	23	.	.	PUNCT
fsr-3370	428	1	in	in	ADP
fsr-3370	428	2	addition	addition	NOUN
fsr-3370	428	3	,	,	PUNCT
fsr-3370	428	4	any	any	DET
fsr-3370	428	5	major	major	ADJ
fsr-3370	428	6	changes	change	NOUN
fsr-3370	428	7	to	to	ADP
fsr-3370	428	8	macroeconomic	macroeconomic	ADJ
fsr-3370	428	9	conditions	condition	NOUN
fsr-3370	428	10	may	may	AUX
fsr-3370	428	11	be	be	AUX
fsr-3370	428	12	an	an	DET
fsr-3370	428	13	indicator	indicator	NOUN
fsr-3370	428	14	that	that	SCONJ
fsr-3370	428	15	frt	frt	NOUN
fsr-3370	428	16	should	should	AUX
fsr-3370	428	17	be	be	AUX
fsr-3370	428	18	reassessed	reassess	VERB
fsr-3370	428	19	to	to	PART
fsr-3370	428	20	ensure	ensure	VERB
fsr-3370	428	21	that	that	SCONJ
fsr-3370	428	22	portfolio	portfolio	NOUN
fsr-3370	428	23	recommendations	recommendation	NOUN
fsr-3370	428	24	still	still	ADV
fsr-3370	428	25	match	match	VERB
fsr-3370	428	26	a	a	DET
fsr-3370	428	27	client	client	NOUN
fsr-3370	428	28	’s	’s	PART
fsr-3370	428	29	needs	need	NOUN
fsr-3370	428	30	and	and	CCONJ
fsr-3370	428	31	willingness	willingness	NOUN
fsr-3370	428	32	to	to	PART
fsr-3370	428	33	take	take	VERB
fsr-3370	428	34	risk	risk	NOUN
fsr-3370	428	35	.	.	PUNCT
fsr-3370	429	1	it	it	PRON
fsr-3370	429	2	should	should	AUX
fsr-3370	429	3	also	also	ADV
fsr-3370	429	4	be	be	AUX
fsr-3370	429	5	noted	note	VERB
fsr-3370	429	6	that	that	SCONJ
fsr-3370	429	7	any	any	DET
fsr-3370	429	8	major	major	ADJ
fsr-3370	429	9	,	,	PUNCT
fsr-3370	429	10	or	or	CCONJ
fsr-3370	429	11	potentially	potentially	ADV
fsr-3370	429	12	major	major	ADJ
fsr-3370	429	13	,	,	PUNCT
fsr-3370	429	14	changes	change	NOUN
fsr-3370	429	15	in	in	ADP
fsr-3370	429	16	social	social	ADJ
fsr-3370	429	17	policy	policy	NOUN
fsr-3370	429	18	335s	335s	PROPN
fsr-3370	429	19	.	.	PUNCT
fsr-3370	430	1	kuzniak	kuzniak	PROPN
fsr-3370	430	2	,	,	PUNCT
fsr-3370	430	3	j.e	j.e	PROPN
fsr-3370	430	4	.	.	PROPN
fsr-3370	430	5	grable	grable	PROPN
fsr-3370	430	6	/	/	SYM
fsr-3370	430	7	financial	financial	ADJ
fsr-3370	430	8	services	service	NOUN
fsr-3370	430	9	review	review	VERB
fsr-3370	430	10	26	26	NUM
fsr-3370	430	11	(	(	PUNCT
fsr-3370	430	12	2017	2017	NUM
fsr-3370	430	13	)	)	PUNCT
fsr-3370	430	14	315–338	315–338	NUM
fsr-3370	430	15	around	around	ADP
fsr-3370	430	16	social	social	ADJ
fsr-3370	430	17	retirement	retirement	NOUN
fsr-3370	430	18	plans	plan	NOUN
fsr-3370	430	19	or	or	CCONJ
fsr-3370	430	20	national	national	ADJ
fsr-3370	430	21	health	health	NOUN
fsr-3370	430	22	insurance	insurance	NOUN
fsr-3370	430	23	may	may	AUX
fsr-3370	430	24	influence	influence	VERB
fsr-3370	430	25	the	the	DET
fsr-3370	430	26	way	way	NOUN
fsr-3370	430	27	an	an	DET
fsr-3370	430	28	individual	individual	NOUN
fsr-3370	430	29	perceives	perceive	VERB
fsr-3370	430	30	risk	risk	NOUN
fsr-3370	430	31	.	.	PUNCT
fsr-3370	431	1	does	do	AUX
fsr-3370	431	2	frt	frt	NOUN
fsr-3370	431	3	change	change	VERB
fsr-3370	431	4	over	over	ADP
fsr-3370	431	5	time	time	NOUN
fsr-3370	431	6	?	?	PUNCT
fsr-3370	432	1	that	that	PRON
fsr-3370	432	2	was	be	AUX
fsr-3370	432	3	,	,	PUNCT
fsr-3370	432	4	and	and	CCONJ
fsr-3370	432	5	still	still	ADV
fsr-3370	432	6	,	,	PUNCT
fsr-3370	432	7	remains	remain	VERB
fsr-3370	432	8	one	one	NUM
fsr-3370	432	9	of	of	ADP
fsr-3370	432	10	the	the	DET
fsr-3370	432	11	most	most	ADV
fsr-3370	432	12	important	important	ADJ
fsr-3370	432	13	questions	question	NOUN
fsr-3370	432	14	asked	ask	VERB
fsr-3370	432	15	by	by	ADP
fsr-3370	432	16	financial	financial	ADJ
fsr-3370	432	17	planners	planner	NOUN
fsr-3370	432	18	,	,	PUNCT
fsr-3370	432	19	researchers	researcher	NOUN
fsr-3370	432	20	,	,	PUNCT
fsr-3370	432	21	and	and	CCONJ
fsr-3370	432	22	policy	policy	NOUN
fsr-3370	432	23	makers	maker	NOUN
fsr-3370	432	24	.	.	PUNCT
fsr-3370	433	1	overall	overall	ADJ
fsr-3370	433	2	,	,	PUNCT
fsr-3370	433	3	frt	frt	NOUN
fsr-3370	433	4	,	,	PUNCT
fsr-3370	433	5	in	in	ADP
fsr-3370	433	6	this	this	DET
fsr-3370	433	7	study	study	NOUN
fsr-3370	433	8	,	,	PUNCT
fsr-3370	433	9	was	be	AUX
fsr-3370	433	10	relatively	relatively	ADV
fsr-3370	433	11	stable	stable	ADJ
fsr-3370	433	12	.	.	PUNCT
fsr-3370	434	1	frt	frt	PROPN
fsr-3370	434	2	did	do	AUX
fsr-3370	434	3	show	show	VERB
fsr-3370	434	4	some	some	DET
fsr-3370	434	5	deviation	deviation	NOUN
fsr-3370	434	6	across	across	ADP
fsr-3370	434	7	time	time	NOUN
fsr-3370	434	8	,	,	PUNCT
fsr-3370	434	9	but	but	CCONJ
fsr-3370	434	10	for	for	ADP
fsr-3370	434	11	the	the	DET
fsr-3370	434	12	majority	majority	NOUN
fsr-3370	434	13	of	of	ADP
fsr-3370	434	14	respondents	respondent	NOUN
fsr-3370	434	15	,	,	PUNCT
fsr-3370	434	16	the	the	DET
fsr-3370	434	17	initial	initial	ADJ
fsr-3370	434	18	rts	rt	NOUN
fsr-3370	434	19	changed	change	VERB
fsr-3370	434	20	very	very	ADV
fsr-3370	434	21	little	little	ADJ
fsr-3370	434	22	.	.	PUNCT
fsr-3370	435	1	however	however	ADV
fsr-3370	435	2	,	,	PUNCT
fsr-3370	435	3	even	even	ADV
fsr-3370	435	4	if	if	SCONJ
fsr-3370	435	5	only	only	ADV
fsr-3370	435	6	a	a	DET
fsr-3370	435	7	small	small	ADJ
fsr-3370	435	8	portion	portion	NOUN
fsr-3370	435	9	of	of	ADP
fsr-3370	435	10	clients	client	NOUN
fsr-3370	435	11	exhibit	exhibit	VERB
fsr-3370	435	12	inconsistent	inconsistent	ADJ
fsr-3370	435	13	frt	frt	PROPN
fsr-3370	435	14	scores	score	NOUN
fsr-3370	435	15	,	,	PUNCT
fsr-3370	435	16	this	this	PRON
fsr-3370	435	17	can	can	AUX
fsr-3370	435	18	cause	cause	VERB
fsr-3370	435	19	a	a	DET
fsr-3370	435	20	problem	problem	NOUN
fsr-3370	435	21	in	in	ADP
fsr-3370	435	22	practice	practice	NOUN
fsr-3370	435	23	.	.	PUNCT
fsr-3370	436	1	in	in	ADP
fsr-3370	436	2	this	this	DET
fsr-3370	436	3	study	study	NOUN
fsr-3370	436	4	,	,	PUNCT
fsr-3370	436	5	approximatively	approximatively	ADV
fsr-3370	436	6	75	75	NUM
fsr-3370	436	7	%	%	NOUN
fsr-3370	436	8	of	of	ADP
fsr-3370	436	9	individuals	individual	NOUN
fsr-3370	436	10	exhibited	exhibit	VERB
fsr-3370	436	11	consistent	consistent	ADJ
fsr-3370	436	12	scores	score	NOUN
fsr-3370	436	13	across	across	ADP
fsr-3370	436	14	two	two	NUM
fsr-3370	436	15	assessments	assessment	NOUN
fsr-3370	436	16	.	.	PUNCT
fsr-3370	437	1	so	so	ADV
fsr-3370	437	2	,	,	PUNCT
fsr-3370	437	3	hypothetically	hypothetically	ADV
fsr-3370	437	4	extrapolated	extrapolate	VERB
fsr-3370	437	5	,	,	PUNCT
fsr-3370	437	6	for	for	ADP
fsr-3370	437	7	a	a	DET
fsr-3370	437	8	midsized	midsized	ADJ
fsr-3370	437	9	firm	firm	NOUN
fsr-3370	437	10	with	with	ADP
fsr-3370	437	11	200	200	NUM
fsr-3370	437	12	clients	client	NOUN
fsr-3370	437	13	over	over	ADP
fsr-3370	437	14	a	a	DET
fsr-3370	437	15	five	five	NUM
fsr-3370	437	16	-	-	PUNCT
fsr-3370	437	17	year	year	NOUN
fsr-3370	437	18	period	period	NOUN
fsr-3370	437	19	,	,	PUNCT
fsr-3370	437	20	almost	almost	ADV
fsr-3370	437	21	50	50	NUM
fsr-3370	437	22	clients	client	NOUN
fsr-3370	437	23	could	could	AUX
fsr-3370	437	24	have	have	VERB
fsr-3370	437	25	significant	significant	ADJ
fsr-3370	437	26	changes	change	NOUN
fsr-3370	437	27	in	in	ADP
fsr-3370	437	28	their	their	PRON
fsr-3370	437	29	frt	frt	NOUN
fsr-3370	437	30	scores	score	NOUN
fsr-3370	437	31	.	.	PUNCT
fsr-3370	438	1	macroeconomic	macroeconomic	ADJ
fsr-3370	438	2	variables	variable	NOUN
fsr-3370	438	3	at	at	ADP
fsr-3370	438	4	the	the	DET
fsr-3370	438	5	time	time	NOUN
fsr-3370	438	6	of	of	ADP
fsr-3370	438	7	initial	initial	ADJ
fsr-3370	438	8	assessment	assessment	NOUN
fsr-3370	438	9	,	,	PUNCT
fsr-3370	438	10	initial	initial	ADJ
fsr-3370	438	11	test	test	NOUN
fsr-3370	438	12	scores	score	NOUN
fsr-3370	438	13	,	,	PUNCT
fsr-3370	438	14	and	and	CCONJ
fsr-3370	438	15	social	social	ADJ
fsr-3370	438	16	support	support	NOUN
fsr-3370	438	17	all	all	PRON
fsr-3370	438	18	had	have	VERB
fsr-3370	438	19	a	a	DET
fsr-3370	438	20	significant	significant	ADJ
fsr-3370	438	21	role	role	NOUN
fsr-3370	438	22	to	to	PART
fsr-3370	438	23	play	play	VERB
fsr-3370	438	24	in	in	ADP
fsr-3370	438	25	describing	describe	VERB
fsr-3370	438	26	who	who	PRON
fsr-3370	438	27	was	be	AUX
fsr-3370	438	28	likely	likely	ADJ
fsr-3370	438	29	to	to	PART
fsr-3370	438	30	exhibit	exhibit	VERB
fsr-3370	438	31	significant	significant	ADJ
fsr-3370	438	32	a	a	DET
fsr-3370	438	33	decrease	decrease	NOUN
fsr-3370	438	34	or	or	CCONJ
fsr-3370	438	35	increase	increase	VERB
fsr-3370	438	36	in	in	ADP
fsr-3370	438	37	their	their	PRON
fsr-3370	438	38	frt	frt	NOUN
fsr-3370	438	39	across	across	ADP
fsr-3370	438	40	two	two	NUM
fsr-3370	438	41	assessments	assessment	NOUN
fsr-3370	438	42	.	.	PUNCT
fsr-3370	439	1	when	when	SCONJ
fsr-3370	439	2	interpreting	interpret	VERB
fsr-3370	439	3	the	the	DET
fsr-3370	439	4	results	result	NOUN
fsr-3370	439	5	from	from	ADP
fsr-3370	439	6	this	this	DET
fsr-3370	439	7	study	study	NOUN
fsr-3370	439	8	it	it	PRON
fsr-3370	439	9	is	be	AUX
fsr-3370	439	10	important	important	ADJ
fsr-3370	439	11	to	to	PART
fsr-3370	439	12	keep	keep	VERB
fsr-3370	439	13	in	in	ADP
fsr-3370	439	14	mind	mind	NOUN
fsr-3370	439	15	that	that	SCONJ
fsr-3370	439	16	the	the	DET
fsr-3370	439	17	macroeconomic	macroeconomic	ADJ
fsr-3370	439	18	,	,	PUNCT
fsr-3370	439	19	stock	stock	NOUN
fsr-3370	439	20	market	market	NOUN
fsr-3370	439	21	,	,	PUNCT
fsr-3370	439	22	and	and	CCONJ
fsr-3370	439	23	commodity	commodity	NOUN
fsr-3370	439	24	index	index	NOUN
fsr-3370	439	25	variables	variable	NOUN
fsr-3370	439	26	were	be	AUX
fsr-3370	439	27	based	base	VERB
fsr-3370	439	28	on	on	ADP
fsr-3370	439	29	values	value	NOUN
fsr-3370	439	30	when	when	SCONJ
fsr-3370	439	31	the	the	DET
fsr-3370	439	32	first	first	ADJ
fsr-3370	439	33	test	test	NOUN
fsr-3370	439	34	was	be	AUX
fsr-3370	439	35	taken	take	VERB
fsr-3370	439	36	.	.	PUNCT
fsr-3370	440	1	a	a	DET
fsr-3370	440	2	few	few	ADJ
fsr-3370	440	3	studies	study	NOUN
fsr-3370	440	4	have	have	AUX
fsr-3370	440	5	used	use	VERB
fsr-3370	440	6	change	change	NOUN
fsr-3370	440	7	in	in	ADP
fsr-3370	440	8	market	market	NOUN
fsr-3370	440	9	conditions	condition	NOUN
fsr-3370	440	10	or	or	CCONJ
fsr-3370	440	11	domestic	domestic	ADJ
fsr-3370	440	12	production	production	NOUN
fsr-3370	440	13	variables	variable	NOUN
fsr-3370	440	14	to	to	PART
fsr-3370	440	15	forecast	forecast	VERB
fsr-3370	440	16	variations	variation	NOUN
fsr-3370	440	17	in	in	ADP
fsr-3370	440	18	frt	frt	NOUN
fsr-3370	440	19	scores	score	NOUN
fsr-3370	440	20	,	,	PUNCT
fsr-3370	440	21	but	but	CCONJ
fsr-3370	440	22	this	this	DET
fsr-3370	440	23	study	study	NOUN
fsr-3370	440	24	used	use	VERB
fsr-3370	440	25	a	a	DET
fsr-3370	440	26	baseline	baseline	ADJ
fsr-3370	440	27	metric	metric	NOUN
fsr-3370	440	28	of	of	ADP
fsr-3370	440	29	the	the	DET
fsr-3370	440	30	conditions	condition	NOUN
fsr-3370	440	31	present	present	ADJ
fsr-3370	440	32	during	during	ADP
fsr-3370	440	33	the	the	DET
fsr-3370	440	34	initial	initial	ADJ
fsr-3370	440	35	test	test	NOUN
fsr-3370	440	36	.	.	PUNCT
fsr-3370	441	1	this	this	DET
fsr-3370	441	2	methodological	methodological	ADJ
fsr-3370	441	3	approach	approach	NOUN
fsr-3370	441	4	was	be	AUX
fsr-3370	441	5	applied	apply	VERB
fsr-3370	441	6	for	for	ADP
fsr-3370	441	7	two	two	NUM
fsr-3370	441	8	reasons	reason	NOUN
fsr-3370	441	9	.	.	PUNCT
fsr-3370	442	1	first	first	ADV
fsr-3370	442	2	,	,	PUNCT
fsr-3370	442	3	the	the	DET
fsr-3370	442	4	period	period	NOUN
fsr-3370	442	5	in	in	ADP
fsr-3370	442	6	which	which	PRON
fsr-3370	442	7	the	the	DET
fsr-3370	442	8	study	study	NOUN
fsr-3370	442	9	was	be	AUX
fsr-3370	442	10	performed	perform	VERB
fsr-3370	442	11	was	be	AUX
fsr-3370	442	12	a	a	DET
fsr-3370	442	13	relatively	relatively	ADV
fsr-3370	442	14	stable	stable	ADJ
fsr-3370	442	15	period	period	NOUN
fsr-3370	442	16	with	with	ADP
fsr-3370	442	17	generally	generally	ADV
fsr-3370	442	18	favorable	favorable	ADJ
fsr-3370	442	19	market	market	NOUN
fsr-3370	442	20	conditions	condition	NOUN
fsr-3370	442	21	occurring	occur	VERB
fsr-3370	442	22	after	after	ADP
fsr-3370	442	23	the	the	DET
fsr-3370	442	24	global	global	ADJ
fsr-3370	442	25	financial	financial	ADJ
fsr-3370	442	26	crisis	crisis	NOUN
fsr-3370	442	27	.	.	PUNCT
fsr-3370	443	1	second	second	ADJ
fsr-3370	443	2	,	,	PUNCT
fsr-3370	443	3	the	the	DET
fsr-3370	443	4	applied	applied	ADJ
fsr-3370	443	5	nature	nature	NOUN
fsr-3370	443	6	of	of	ADP
fsr-3370	443	7	the	the	DET
fsr-3370	443	8	study	study	NOUN
fsr-3370	443	9	drove	drive	VERB
fsr-3370	443	10	the	the	DET
fsr-3370	443	11	decision	decision	NOUN
fsr-3370	443	12	.	.	PUNCT
fsr-3370	444	1	financial	financial	ADJ
fsr-3370	444	2	planners	planner	NOUN
fsr-3370	444	3	,	,	PUNCT
fsr-3370	444	4	when	when	SCONJ
fsr-3370	444	5	working	work	VERB
fsr-3370	444	6	with	with	ADP
fsr-3370	444	7	clients	client	NOUN
fsr-3370	444	8	in	in	ADP
fsr-3370	444	9	developing	develop	VERB
fsr-3370	444	10	investment	investment	NOUN
fsr-3370	444	11	recommendations	recommendation	NOUN
fsr-3370	444	12	within	within	ADP
fsr-3370	444	13	a	a	DET
fsr-3370	444	14	financial	financial	ADJ
fsr-3370	444	15	plan	plan	NOUN
fsr-3370	444	16	,	,	PUNCT
fsr-3370	444	17	must	must	AUX
fsr-3370	444	18	use	use	VERB
fsr-3370	444	19	data	datum	NOUN
fsr-3370	444	20	at	at	ADP
fsr-3370	444	21	hand	hand	NOUN
fsr-3370	444	22	.	.	PUNCT
fsr-3370	445	1	they	they	PRON
fsr-3370	445	2	do	do	AUX
fsr-3370	445	3	not	not	PART
fsr-3370	445	4	have	have	VERB
fsr-3370	445	5	access	access	NOUN
fsr-3370	445	6	to	to	PART
fsr-3370	445	7	preand	preand	VERB
fsr-3370	445	8	postperiod	postperiod	NOUN
fsr-3370	445	9	macroeconomic	macroeconomic	ADJ
fsr-3370	445	10	data	datum	NOUN
fsr-3370	445	11	.	.	PUNCT
fsr-3370	446	1	the	the	DET
fsr-3370	446	2	ability	ability	NOUN
fsr-3370	446	3	to	to	PART
fsr-3370	446	4	describe	describe	VERB
fsr-3370	446	5	potential	potential	ADJ
fsr-3370	446	6	variations	variation	NOUN
fsr-3370	446	7	in	in	ADP
fsr-3370	446	8	client	client	NOUN
fsr-3370	446	9	frt	frt	NOUN
fsr-3370	446	10	requires	require	VERB
fsr-3370	446	11	the	the	DET
fsr-3370	446	12	use	use	NOUN
fsr-3370	446	13	of	of	ADP
fsr-3370	446	14	baseline	baseline	NOUN
fsr-3370	446	15	inputs	input	NOUN
fsr-3370	446	16	.	.	PUNCT
fsr-3370	447	1	even	even	ADV
fsr-3370	447	2	so	so	ADV
fsr-3370	447	3	,	,	PUNCT
fsr-3370	447	4	comparing	compare	VERB
fsr-3370	447	5	the	the	DET
fsr-3370	447	6	results	result	NOUN
fsr-3370	447	7	presented	present	VERB
fsr-3370	447	8	here	here	ADV
fsr-3370	447	9	with	with	ADP
fsr-3370	447	10	future	future	ADJ
fsr-3370	447	11	studies	study	NOUN
fsr-3370	447	12	that	that	PRON
fsr-3370	447	13	use	use	VERB
fsr-3370	447	14	macroeconomic	macroeconomic	ADJ
fsr-3370	447	15	,	,	PUNCT
fsr-3370	447	16	biopsychosocial	biopsychosocial	ADJ
fsr-3370	447	17	,	,	PUNCT
fsr-3370	447	18	and	and	CCONJ
fsr-3370	447	19	social	social	ADJ
fsr-3370	447	20	support	support	NOUN
fsr-3370	447	21	change	change	NOUN
fsr-3370	447	22	data	datum	NOUN
fsr-3370	447	23	would	would	AUX
fsr-3370	447	24	be	be	AUX
fsr-3370	447	25	useful	useful	ADJ
fsr-3370	447	26	.	.	PUNCT
fsr-3370	448	1	it	it	PRON
fsr-3370	448	2	is	be	AUX
fsr-3370	448	3	also	also	ADV
fsr-3370	448	4	worth	worth	ADJ
fsr-3370	448	5	noting	note	VERB
fsr-3370	448	6	that	that	SCONJ
fsr-3370	448	7	while	while	SCONJ
fsr-3370	448	8	the	the	DET
fsr-3370	448	9	results	result	NOUN
fsr-3370	448	10	from	from	ADP
fsr-3370	448	11	this	this	DET
fsr-3370	448	12	study	study	NOUN
fsr-3370	448	13	are	be	AUX
fsr-3370	448	14	valuable	valuable	ADJ
fsr-3370	448	15	in	in	ADP
fsr-3370	448	16	establishing	establish	VERB
fsr-3370	448	17	baseline	baseline	ADJ
fsr-3370	448	18	metrics	metric	NOUN
fsr-3370	448	19	for	for	ADP
fsr-3370	448	20	predicting	predict	VERB
fsr-3370	448	21	changes	change	NOUN
fsr-3370	448	22	in	in	ADP
fsr-3370	448	23	frt	frt	NOUN
fsr-3370	448	24	,	,	PUNCT
fsr-3370	448	25	the	the	DET
fsr-3370	448	26	overall	overall	ADJ
fsr-3370	448	27	amount	amount	NOUN
fsr-3370	448	28	of	of	ADP
fsr-3370	448	29	explained	explain	VERB
fsr-3370	448	30	variation	variation	NOUN
fsr-3370	448	31	in	in	ADP
fsr-3370	448	32	the	the	DET
fsr-3370	448	33	dependent	dependent	ADJ
fsr-3370	448	34	variable	variable	NOUN
fsr-3370	448	35	was	be	AUX
fsr-3370	448	36	relatively	relatively	ADV
fsr-3370	448	37	small	small	ADJ
fsr-3370	448	38	.	.	PUNCT
fsr-3370	449	1	although	although	SCONJ
fsr-3370	449	2	different	different	ADJ
fsr-3370	449	3	than	than	ADP
fsr-3370	449	4	residuals	residual	NOUN
fsr-3370	449	5	in	in	ADP
fsr-3370	449	6	a	a	DET
fsr-3370	449	7	traditional	traditional	ADJ
fsr-3370	449	8	linear	linear	NOUN
fsr-3370	449	9	model	model	NOUN
fsr-3370	449	10	,	,	PUNCT
fsr-3370	449	11	cox	cox	PROPN
fsr-3370	449	12	and	and	CCONJ
fsr-3370	449	13	snell	snell	PROPN
fsr-3370	449	14	(	(	PUNCT
fsr-3370	449	15	1989	1989	NUM
fsr-3370	449	16	)	)	PUNCT
fsr-3370	449	17	developed	develop	VERB
fsr-3370	449	18	a	a	DET
fsr-3370	449	19	methodology	methodology	NOUN
fsr-3370	449	20	for	for	ADP
fsr-3370	449	21	determining	determine	VERB
fsr-3370	449	22	the	the	DET
fsr-3370	449	23	amount	amount	NOUN
fsr-3370	449	24	of	of	ADP
fsr-3370	449	25	explanation	explanation	NOUN
fsr-3370	449	26	in	in	ADP
fsr-3370	449	27	a	a	DET
fsr-3370	449	28	given	give	VERB
fsr-3370	449	29	logistic	logistic	ADJ
fsr-3370	449	30	model	model	NOUN
fsr-3370	449	31	.	.	PUNCT
fsr-3370	450	1	for	for	ADP
fsr-3370	450	2	the	the	DET
fsr-3370	450	3	model	model	NOUN
fsr-3370	450	4	tested	test	VERB
fsr-3370	450	5	in	in	ADP
fsr-3370	450	6	this	this	DET
fsr-3370	450	7	study	study	NOUN
fsr-3370	450	8	,	,	PUNCT
fsr-3370	450	9	the	the	DET
fsr-3370	450	10	cox	cox	PROPN
fsr-3370	450	11	and	and	CCONJ
fsr-3370	450	12	snell	snell	PROPN
fsr-3370	450	13	coefficient	coefficient	NOUN
fsr-3370	450	14	was	be	AUX
fsr-3370	450	15	0.071	0.071	NUM
fsr-3370	450	16	.	.	PUNCT
fsr-3370	451	1	this	this	PRON
fsr-3370	451	2	means	mean	VERB
fsr-3370	451	3	the	the	DET
fsr-3370	451	4	model	model	NOUN
fsr-3370	451	5	explained	explain	VERB
fsr-3370	451	6	about	about	ADV
fsr-3370	451	7	7	7	NUM
fsr-3370	451	8	%	%	NOUN
fsr-3370	451	9	of	of	ADP
fsr-3370	451	10	the	the	DET
fsr-3370	451	11	effect	effect	NOUN
fsr-3370	451	12	for	for	ADP
fsr-3370	451	13	changes	change	NOUN
fsr-3370	451	14	in	in	ADP
fsr-3370	451	15	frt	frt	NOUN
fsr-3370	451	16	scores	score	NOUN
fsr-3370	451	17	over	over	ADP
fsr-3370	451	18	time	time	NOUN
fsr-3370	451	19	.	.	PUNCT
fsr-3370	452	1	although	although	SCONJ
fsr-3370	452	2	not	not	PART
fsr-3370	452	3	extremely	extremely	ADV
fsr-3370	452	4	large	large	ADJ
fsr-3370	452	5	,	,	PUNCT
fsr-3370	452	6	the	the	DET
fsr-3370	452	7	ability	ability	NOUN
fsr-3370	452	8	to	to	PART
fsr-3370	452	9	show	show	VERB
fsr-3370	452	10	significant	significant	ADJ
fsr-3370	452	11	effects	effect	NOUN
fsr-3370	452	12	for	for	ADP
fsr-3370	452	13	different	different	ADJ
fsr-3370	452	14	unique	unique	ADJ
fsr-3370	452	15	variables	variable	NOUN
fsr-3370	452	16	is	be	AUX
fsr-3370	452	17	a	a	DET
fsr-3370	452	18	starting	starting	NOUN
fsr-3370	452	19	point	point	NOUN
fsr-3370	452	20	to	to	PART
fsr-3370	452	21	begin	begin	VERB
fsr-3370	452	22	the	the	DET
fsr-3370	452	23	discussion	discussion	NOUN
fsr-3370	452	24	for	for	ADP
fsr-3370	452	25	future	future	ADJ
fsr-3370	452	26	research	research	NOUN
fsr-3370	452	27	about	about	ADP
fsr-3370	452	28	the	the	DET
fsr-3370	452	29	exact	exact	ADJ
fsr-3370	452	30	reasons	reason	NOUN
fsr-3370	452	31	individuals	individual	NOUN
fsr-3370	452	32	change	change	VERB
fsr-3370	452	33	their	their	PRON
fsr-3370	452	34	willingness	willingness	NOUN
fsr-3370	452	35	to	to	PART
fsr-3370	452	36	take	take	VERB
fsr-3370	452	37	risk	risk	NOUN
fsr-3370	452	38	across	across	ADP
fsr-3370	452	39	time	time	NOUN
fsr-3370	452	40	.	.	PUNCT
fsr-3370	453	1	references	reference	NOUN
fsr-3370	453	2	bajtelsmit	bajtelsmit	VERB
fsr-3370	453	3	,	,	PUNCT
fsr-3370	453	4	v.	v.	PROPN
fsr-3370	453	5	l.	l.	PROPN
fsr-3370	453	6	,	,	PUNCT
fsr-3370	453	7	bernasek	bernasek	PROPN
fsr-3370	453	8	,	,	PUNCT
fsr-3370	453	9	a.	a.	NOUN
fsr-3370	453	10	,	,	PUNCT
fsr-3370	453	11	&	&	CCONJ
fsr-3370	453	12	jianakoplos	jianakoplos	PROPN
fsr-3370	453	13	,	,	PUNCT
fsr-3370	453	14	n.	n.	PROPN
fsr-3370	453	15	a.	a.	PROPN
fsr-3370	453	16	(	(	PUNCT
fsr-3370	453	17	1999	1999	NUM
fsr-3370	453	18	)	)	PUNCT
fsr-3370	453	19	.	.	PUNCT
fsr-3370	454	1	gender	gender	NOUN
fsr-3370	454	2	differences	difference	NOUN
fsr-3370	454	3	in	in	ADP
fsr-3370	454	4	defined	define	VERB
fsr-3370	454	5	contribution	contribution	NOUN
fsr-3370	454	6	pension	pension	NOUN
fsr-3370	454	7	decisions	decision	NOUN
fsr-3370	454	8	.	.	PUNCT
fsr-3370	455	1	financial	financial	ADJ
fsr-3370	455	2	services	service	NOUN
fsr-3370	455	3	review	review	NOUN
fsr-3370	455	4	,	,	PUNCT
fsr-3370	455	5	8	8	NUM
fsr-3370	455	6	,	,	PUNCT
fsr-3370	455	7	1–10	1–10	NOUN
fsr-3370	455	8	.	.	PUNCT
fsr-3370	456	1	baker	baker	PROPN
fsr-3370	456	2	,	,	PUNCT
fsr-3370	456	3	h.	h.	PROPN
fsr-3370	456	4	k.	k.	PROPN
fsr-3370	456	5	,	,	PUNCT
fsr-3370	456	6	&	&	CCONJ
fsr-3370	456	7	haslem	haslem	PROPN
fsr-3370	456	8	,	,	PUNCT
fsr-3370	456	9	j.	j.	PROPN
fsr-3370	456	10	a.	a.	PROPN
fsr-3370	456	11	(	(	PUNCT
fsr-3370	456	12	1974	1974	NUM
fsr-3370	456	13	)	)	PUNCT
fsr-3370	456	14	.	.	PUNCT
fsr-3370	457	1	toward	toward	ADP
fsr-3370	457	2	the	the	DET
fsr-3370	457	3	development	development	NOUN
fsr-3370	457	4	of	of	ADP
fsr-3370	457	5	client	client	NOUN
fsr-3370	457	6	-	-	PUNCT
fsr-3370	457	7	specified	specify	VERB
fsr-3370	457	8	valuation	valuation	NOUN
fsr-3370	457	9	models	model	NOUN
fsr-3370	457	10	.	.	PUNCT
fsr-3370	458	1	the	the	DET
fsr-3370	458	2	journal	journal	NOUN
fsr-3370	458	3	of	of	ADP
fsr-3370	458	4	finance	finance	NOUN
fsr-3370	458	5	,	,	PUNCT
fsr-3370	458	6	29	29	NUM
fsr-3370	458	7	,	,	PUNCT
fsr-3370	458	8	1255–1263	1255–1263	NUM
fsr-3370	458	9	.	.	PUNCT
fsr-3370	458	10	bakshi	bakshi	PROPN
fsr-3370	458	11	,	,	PUNCT
fsr-3370	458	12	g.	g.	PROPN
fsr-3370	458	13	s.	s.	PROPN
fsr-3370	458	14	,	,	PUNCT
fsr-3370	458	15	&	&	CCONJ
fsr-3370	458	16	chen	chen	PROPN
fsr-3370	458	17	,	,	PUNCT
fsr-3370	458	18	z.	z.	PROPN
fsr-3370	458	19	(	(	PUNCT
fsr-3370	458	20	1994	1994	NUM
fsr-3370	458	21	)	)	PUNCT
fsr-3370	458	22	.	.	PUNCT
fsr-3370	459	1	baby	baby	NOUN
fsr-3370	459	2	boom	boom	NOUN
fsr-3370	459	3	,	,	PUNCT
fsr-3370	459	4	population	population	NOUN
fsr-3370	459	5	aging	aging	NOUN
fsr-3370	459	6	,	,	PUNCT
fsr-3370	459	7	and	and	CCONJ
fsr-3370	459	8	capital	capital	NOUN
fsr-3370	459	9	markets	market	NOUN
fsr-3370	459	10	.	.	PUNCT
fsr-3370	460	1	journal	journal	NOUN
fsr-3370	460	2	of	of	ADP
fsr-3370	460	3	business	business	NOUN
fsr-3370	460	4	,	,	PUNCT
fsr-3370	460	5	67	67	NUM
fsr-3370	460	6	,	,	PUNCT
fsr-3370	460	7	165–202	165–202	NUM
fsr-3370	460	8	.	.	PUNCT
fsr-3370	461	1	336	336	NUM
fsr-3370	461	2	s.	s.	PROPN
fsr-3370	461	3	kuzniak	kuzniak	PROPN
fsr-3370	461	4	,	,	PUNCT
fsr-3370	461	5	j.e	j.e	PROPN
fsr-3370	461	6	.	.	PROPN
fsr-3370	461	7	grable	grable	PROPN
fsr-3370	461	8	/	/	SYM
fsr-3370	461	9	financial	financial	ADJ
fsr-3370	461	10	services	service	NOUN
fsr-3370	461	11	review	review	VERB
fsr-3370	461	12	26	26	NUM
fsr-3370	461	13	(	(	PUNCT
fsr-3370	461	14	2017	2017	NUM
fsr-3370	461	15	)	)	PUNCT
fsr-3370	461	16	315–338	315–338	NUM
fsr-3370	461	17	baumeister	baumeister	NOUN
fsr-3370	461	18	,	,	PUNCT
fsr-3370	461	19	r.	r.	PROPN
fsr-3370	461	20	f.	f.	PROPN
fsr-3370	461	21	,	,	PUNCT
fsr-3370	461	22	&	&	CCONJ
fsr-3370	461	23	tice	tice	PROPN
fsr-3370	461	24	,	,	PUNCT
fsr-3370	461	25	d.	d.	PROPN
fsr-3370	461	26	m.	m.	PROPN
fsr-3370	461	27	(	(	PUNCT
fsr-3370	461	28	1988	1988	NUM
fsr-3370	461	29	)	)	PUNCT
fsr-3370	461	30	.	.	PUNCT
fsr-3370	462	1	metatraits	metatrait	NOUN
fsr-3370	462	2	.	.	PUNCT
fsr-3370	463	1	journal	journal	PROPN
fsr-3370	463	2	of	of	ADP
fsr-3370	463	3	personality	personality	NOUN
fsr-3370	463	4	,	,	PUNCT
fsr-3370	463	5	56	56	NUM
fsr-3370	463	6	,	,	PUNCT
fsr-3370	463	7	571–598	571–598	NUM
fsr-3370	463	8	.	.	PUNCT
fsr-3370	464	1	benartzi	benartzi	PROPN
fsr-3370	464	2	,	,	PUNCT
fsr-3370	464	3	s.	s.	PROPN
fsr-3370	464	4	,	,	PUNCT
fsr-3370	464	5	&	&	CCONJ
fsr-3370	464	6	thaler	thaler	PROPN
fsr-3370	464	7	,	,	PUNCT
fsr-3370	464	8	r.	r.	PROPN
fsr-3370	464	9	h.	h.	PROPN
fsr-3370	464	10	(	(	PUNCT
fsr-3370	464	11	2007	2007	NUM
fsr-3370	464	12	)	)	PUNCT
fsr-3370	464	13	.	.	PUNCT
fsr-3370	465	1	heuristics	heuristic	NOUN
fsr-3370	465	2	and	and	CCONJ
fsr-3370	465	3	biases	bias	NOUN
fsr-3370	465	4	in	in	ADP
fsr-3370	465	5	retirement	retirement	NOUN
fsr-3370	465	6	savings	saving	NOUN
fsr-3370	465	7	behavior	behavior	NOUN
fsr-3370	465	8	.	.	PUNCT
fsr-3370	466	1	the	the	DET
fsr-3370	466	2	journal	journal	NOUN
fsr-3370	466	3	of	of	ADP
fsr-3370	466	4	economic	economic	ADJ
fsr-3370	466	5	perspectives	perspective	NOUN
fsr-3370	466	6	,	,	PUNCT
fsr-3370	466	7	21	21	NUM
fsr-3370	466	8	,	,	PUNCT
fsr-3370	466	9	81–104	81–104	PROPN
fsr-3370	466	10	.	.	PUNCT
fsr-3370	466	11	bontempo	bontempo	PROPN
fsr-3370	466	12	,	,	PUNCT
fsr-3370	466	13	r.	r.	PROPN
fsr-3370	466	14	n.	n.	PROPN
fsr-3370	466	15	,	,	PUNCT
fsr-3370	466	16	bottom	bottom	PROPN
fsr-3370	466	17	,	,	PUNCT
fsr-3370	466	18	w.	w.	PROPN
fsr-3370	466	19	p.	p.	PROPN
fsr-3370	466	20	,	,	PUNCT
fsr-3370	466	21	&	&	CCONJ
fsr-3370	466	22	weber	weber	PROPN
fsr-3370	466	23	,	,	PUNCT
fsr-3370	466	24	e.	e.	PROPN
fsr-3370	466	25	u.	u.	PROPN
fsr-3370	466	26	(	(	PUNCT
fsr-3370	466	27	1997	1997	NUM
fsr-3370	466	28	)	)	PUNCT
fsr-3370	466	29	.	.	PUNCT
fsr-3370	467	1	cross	cross	ADJ
fsr-3370	467	2	-	-	ADJ
fsr-3370	467	3	cultural	cultural	ADJ
fsr-3370	467	4	differences	difference	NOUN
fsr-3370	467	5	in	in	ADP
fsr-3370	467	6	risk	risk	NOUN
fsr-3370	467	7	perception	perception	NOUN
fsr-3370	467	8	:	:	PUNCT
fsr-3370	467	9	a	a	DET
fsr-3370	467	10	model	model	NOUN
fsr-3370	467	11	-	-	PUNCT
fsr-3370	467	12	based	base	VERB
fsr-3370	467	13	approach	approach	NOUN
fsr-3370	467	14	.	.	PUNCT
fsr-3370	468	1	risk	risk	NOUN
fsr-3370	468	2	analysis	analysis	NOUN
fsr-3370	468	3	,	,	PUNCT
fsr-3370	468	4	17	17	NUM
fsr-3370	468	5	,	,	PUNCT
fsr-3370	468	6	479–488	479–488	NUM
fsr-3370	468	7	.	.	PUNCT
fsr-3370	469	1	cfp	cfp	PROPN
fsr-3370	469	2	board	board	PROPN
fsr-3370	469	3	.	.	PUNCT
fsr-3370	470	1	(	(	PUNCT
fsr-3370	470	2	n.d	n.d	PROPN
fsr-3370	470	3	.	.	PROPN
fsr-3370	470	4	)	)	PUNCT
fsr-3370	470	5	.	.	PUNCT
fsr-3370	471	1	professional	professional	ADJ
fsr-3370	471	2	standards	standard	NOUN
fsr-3370	471	3	&	&	CCONJ
fsr-3370	471	4	enforcement	enforcement	NOUN
fsr-3370	471	5	.	.	PUNCT
fsr-3370	472	1	(	(	PUNCT
fsr-3370	472	2	available	available	ADJ
fsr-3370	472	3	at	at	ADP
fsr-3370	472	4	http://www.cfp.net/for-cfp-professionals/	http://www.cfp.net/for-cfp-professionals/	PROPN
fsr-3370	472	5	professional	professional	ADJ
fsr-3370	472	6	-	-	PUNCT
fsr-3370	472	7	standards	standard	NOUN
fsr-3370	472	8	-	-	PUNCT
fsr-3370	472	9	enforcement	enforcement	NOUN
fsr-3370	472	10	)	)	PUNCT
fsr-3370	472	11	chen	chen	PROPN
fsr-3370	472	12	,	,	PUNCT
fsr-3370	472	13	n.	n.	NOUN
fsr-3370	472	14	,	,	PUNCT
fsr-3370	472	15	roll	roll	NOUN
fsr-3370	472	16	,	,	PUNCT
fsr-3370	472	17	r.	r.	PROPN
fsr-3370	472	18	,	,	PUNCT
fsr-3370	472	19	&	&	CCONJ
fsr-3370	472	20	ross	ross	PROPN
fsr-3370	472	21	,	,	PUNCT
fsr-3370	472	22	s.	s.	PROPN
fsr-3370	472	23	a.	a.	PROPN
fsr-3370	472	24	(	(	PUNCT
fsr-3370	472	25	1986	1986	NUM
fsr-3370	472	26	)	)	PUNCT
fsr-3370	472	27	.	.	PUNCT
fsr-3370	473	1	economic	economic	ADJ
fsr-3370	473	2	forces	force	NOUN
fsr-3370	473	3	and	and	CCONJ
fsr-3370	473	4	the	the	DET
fsr-3370	473	5	stock	stock	NOUN
fsr-3370	473	6	market	market	NOUN
fsr-3370	473	7	.	.	PUNCT
fsr-3370	474	1	journal	journal	NOUN
fsr-3370	474	2	of	of	ADP
fsr-3370	474	3	business	business	NOUN
fsr-3370	474	4	,	,	PUNCT
fsr-3370	474	5	59	59	NUM
fsr-3370	474	6	,	,	PUNCT
fsr-3370	474	7	383–403	383–403	NUM
fsr-3370	474	8	.	.	PUNCT
fsr-3370	475	1	cox	cox	PROPN
fsr-3370	475	2	,	,	PUNCT
fsr-3370	475	3	d.	d.	PROPN
fsr-3370	475	4	r.	r.	PROPN
fsr-3370	475	5	,	,	PUNCT
fsr-3370	475	6	&	&	CCONJ
fsr-3370	475	7	snell	snell	PROPN
fsr-3370	475	8	,	,	PUNCT
fsr-3370	475	9	e.	e.	PROPN
fsr-3370	475	10	j.	j.	PROPN
fsr-3370	475	11	(	(	PUNCT
fsr-3370	475	12	1989	1989	NUM
fsr-3370	475	13	)	)	PUNCT
fsr-3370	475	14	.	.	PUNCT
fsr-3370	476	1	analysis	analysis	NOUN
fsr-3370	476	2	of	of	ADP
fsr-3370	476	3	binary	binary	ADJ
fsr-3370	476	4	data	datum	NOUN
fsr-3370	476	5	(	(	PUNCT
fsr-3370	476	6	2nd	2nd	ADJ
fsr-3370	476	7	ed	ed	NOUN
fsr-3370	476	8	.	.	PUNCT
fsr-3370	476	9	)	)	PUNCT
fsr-3370	476	10	.	.	PUNCT
fsr-3370	477	1	new	new	PROPN
fsr-3370	477	2	york	york	PROPN
fsr-3370	477	3	,	,	PUNCT
fsr-3370	477	4	ny	ny	PROPN
fsr-3370	477	5	:	:	PUNCT
fsr-3370	477	6	crc	crc	PROPN
fsr-3370	477	7	press	press	PROPN
fsr-3370	477	8	.	.	PUNCT
fsr-3370	477	9	,	,	PUNCT
fsr-3370	477	10	1989	1989	NUM
fsr-3370	477	11	.	.	PUNCT
fsr-3370	478	1	dahlbäck	dahlbäck	ADV
fsr-3370	478	2	,	,	PUNCT
fsr-3370	478	3	o.	o.	INTJ
fsr-3370	478	4	(	(	PUNCT
fsr-3370	478	5	1991	1991	NUM
fsr-3370	478	6	)	)	PUNCT
fsr-3370	478	7	.	.	PUNCT
fsr-3370	479	1	saving	save	VERB
fsr-3370	479	2	and	and	CCONJ
fsr-3370	479	3	risk	risk	NOUN
fsr-3370	479	4	taking	taking	NOUN
fsr-3370	479	5	.	.	PUNCT
fsr-3370	480	1	journal	journal	PROPN
fsr-3370	480	2	of	of	ADP
fsr-3370	480	3	economic	economic	ADJ
fsr-3370	480	4	psychology	psychology	NOUN
fsr-3370	480	5	,	,	PUNCT
fsr-3370	480	6	12	12	NUM
fsr-3370	480	7	,	,	PUNCT
fsr-3370	480	8	479–500	479–500	NUM
fsr-3370	480	9	.	.	PUNCT
fsr-3370	481	1	dalton	dalton	PROPN
fsr-3370	481	2	,	,	PUNCT
fsr-3370	481	3	m.	m.	NOUN
fsr-3370	481	4	,	,	PUNCT
fsr-3370	481	5	&	&	CCONJ
fsr-3370	481	6	dalton	dalton	PROPN
fsr-3370	481	7	,	,	PUNCT
fsr-3370	481	8	j.	j.	PROPN
fsr-3370	481	9	(	(	PUNCT
fsr-3370	481	10	2004	2004	NUM
fsr-3370	481	11	)	)	PUNCT
fsr-3370	481	12	.	.	PUNCT
fsr-3370	482	1	fundamentals	fundamental	NOUN
fsr-3370	482	2	of	of	ADP
fsr-3370	482	3	financial	financial	ADJ
fsr-3370	482	4	planning	planning	NOUN
fsr-3370	482	5	.	.	PUNCT
fsr-3370	483	1	metairie	metairie	PROPN
fsr-3370	483	2	,	,	PUNCT
fsr-3370	483	3	la	la	NOUN
fsr-3370	483	4	:	:	PUNCT
fsr-3370	483	5	money	money	NOUN
fsr-3370	483	6	education	education	NOUN
fsr-3370	483	7	.	.	PUNCT
fsr-3370	484	1	fan	fan	PROPN
fsr-3370	484	2	,	,	PUNCT
fsr-3370	484	3	j.	j.	PROPN
fsr-3370	484	4	x.	x.	PROPN
fsr-3370	484	5	,	,	PUNCT
fsr-3370	484	6	&	&	CCONJ
fsr-3370	484	7	xiao	xiao	PROPN
fsr-3370	484	8	,	,	PUNCT
fsr-3370	484	9	j.	j.	PROPN
fsr-3370	484	10	j.	j.	PROPN
fsr-3370	484	11	(	(	PUNCT
fsr-3370	484	12	2005	2005	NUM
fsr-3370	484	13	)	)	PUNCT
fsr-3370	484	14	.	.	PUNCT
fsr-3370	485	1	a	a	DET
fsr-3370	485	2	cross	cross	ADJ
fsr-3370	485	3	-	-	ADJ
fsr-3370	485	4	cultural	cultural	ADJ
fsr-3370	485	5	study	study	NOUN
fsr-3370	485	6	in	in	ADP
fsr-3370	485	7	risk	risk	NOUN
fsr-3370	485	8	tolerance	tolerance	NOUN
fsr-3370	485	9	:	:	PUNCT
fsr-3370	485	10	comparing	compare	VERB
fsr-3370	485	11	chinese	chinese	PROPN
fsr-3370	485	12	and	and	CCONJ
fsr-3370	485	13	americans	americans	PROPN
fsr-3370	485	14	.	.	PUNCT
fsr-3370	486	1	ssrn	ssrn	PROPN
fsr-3370	486	2	working	work	VERB
fsr-3370	486	3	paper	paper	NOUN
fsr-3370	486	4	.	.	PUNCT
fsr-3370	487	1	(	(	PUNCT
fsr-3370	487	2	available	available	ADJ
fsr-3370	487	3	at	at	ADP
fsr-3370	487	4	https://ssrn.com/abstract�939438	https://ssrn.com/abstract�939438	ADV
fsr-3370	487	5	)	)	PUNCT
fsr-3370	487	6	finametrica	finametrica	PROPN
fsr-3370	487	7	(	(	PUNCT
fsr-3370	487	8	n.d	n.d	PROPN
fsr-3370	487	9	.	.	PROPN
fsr-3370	487	10	)	)	PUNCT
fsr-3370	487	11	.	.	PUNCT
fsr-3370	488	1	risk	risk	NOUN
fsr-3370	488	2	tolerance	tolerance	NOUN
fsr-3370	488	3	profiling	profiling	NOUN
fsr-3370	488	4	.	.	PUNCT
fsr-3370	489	1	(	(	PUNCT
fsr-3370	489	2	available	available	ADJ
fsr-3370	489	3	at	at	ADP
fsr-3370	489	4	https://www.riskprofiling.com/us	https://www.riskprofiling.com/us	NOUN
fsr-3370	489	5	)	)	PUNCT
fsr-3370	489	6	gilliam	gilliam	PROPN
fsr-3370	489	7	,	,	PUNCT
fsr-3370	489	8	j.	j.	PROPN
fsr-3370	489	9	,	,	PUNCT
fsr-3370	489	10	chatterjee	chatterjee	PROPN
fsr-3370	489	11	,	,	PUNCT
fsr-3370	489	12	s.	s.	PROPN
fsr-3370	489	13	,	,	PUNCT
fsr-3370	489	14	&	&	CCONJ
fsr-3370	489	15	zhu	zhu	PROPN
fsr-3370	489	16	,	,	PUNCT
fsr-3370	489	17	d.	d.	PROPN
fsr-3370	489	18	(	(	PUNCT
fsr-3370	489	19	2010	2010	NUM
fsr-3370	489	20	)	)	PUNCT
fsr-3370	489	21	.	.	PUNCT
fsr-3370	490	1	determinants	determinant	NOUN
fsr-3370	490	2	of	of	ADP
fsr-3370	490	3	risk	risk	NOUN
fsr-3370	490	4	tolerance	tolerance	NOUN
fsr-3370	490	5	in	in	ADP
fsr-3370	490	6	the	the	DET
fsr-3370	490	7	baby	baby	NOUN
fsr-3370	490	8	boomer	boomer	PROPN
fsr-3370	490	9	cohort	cohort	PROPN
fsr-3370	490	10	.	.	PUNCT
fsr-3370	491	1	journal	journal	PROPN
fsr-3370	491	2	of	of	ADP
fsr-3370	491	3	business	business	NOUN
fsr-3370	491	4	and	and	CCONJ
fsr-3370	491	5	economic	economic	ADJ
fsr-3370	491	6	research	research	NOUN
fsr-3370	491	7	,	,	PUNCT
fsr-3370	491	8	8	8	NUM
fsr-3370	491	9	,	,	PUNCT
fsr-3370	491	10	79–88	79–88	NUM
fsr-3370	491	11	.	.	PUNCT
fsr-3370	492	1	gollier	gollier	PROPN
fsr-3370	492	2	,	,	PUNCT
fsr-3370	492	3	c.	c.	PROPN
fsr-3370	492	4	,	,	PUNCT
fsr-3370	492	5	&	&	CCONJ
fsr-3370	492	6	zeckhauser	zeckhauser	PROPN
fsr-3370	492	7	,	,	PUNCT
fsr-3370	492	8	r.	r.	PROPN
fsr-3370	492	9	j.	j.	PROPN
fsr-3370	492	10	(	(	PUNCT
fsr-3370	492	11	2002	2002	NUM
fsr-3370	492	12	)	)	PUNCT
fsr-3370	492	13	.	.	PUNCT
fsr-3370	493	1	horizon	horizon	NOUN
fsr-3370	493	2	length	length	NOUN
fsr-3370	493	3	and	and	CCONJ
fsr-3370	493	4	portfolio	portfolio	NOUN
fsr-3370	493	5	risk	risk	NOUN
fsr-3370	493	6	.	.	PUNCT
fsr-3370	494	1	journal	journal	NOUN
fsr-3370	494	2	of	of	ADP
fsr-3370	494	3	risk	risk	NOUN
fsr-3370	494	4	and	and	CCONJ
fsr-3370	494	5	uncertainty	uncertainty	NOUN
fsr-3370	494	6	,	,	PUNCT
fsr-3370	494	7	24	24	NUM
fsr-3370	494	8	,	,	PUNCT
fsr-3370	494	9	195–212	195–212	NUM
fsr-3370	494	10	.	.	PUNCT
fsr-3370	495	1	grable	grable	PROPN
fsr-3370	495	2	,	,	PUNCT
fsr-3370	495	3	j.	j.	PROPN
fsr-3370	495	4	,	,	PUNCT
fsr-3370	495	5	&	&	CCONJ
fsr-3370	495	6	joo	joo	PROPN
fsr-3370	495	7	,	,	PUNCT
fsr-3370	495	8	s.	s.	PROPN
fsr-3370	495	9	(	(	PUNCT
fsr-3370	495	10	1998	1998	NUM
fsr-3370	495	11	)	)	PUNCT
fsr-3370	495	12	.	.	PUNCT
fsr-3370	496	1	does	do	AUX
fsr-3370	496	2	financial	financial	ADJ
fsr-3370	496	3	education	education	NOUN
fsr-3370	496	4	affect	affect	VERB
fsr-3370	496	5	knowledge	knowledge	NOUN
fsr-3370	496	6	,	,	PUNCT
fsr-3370	496	7	attitudes	attitude	NOUN
fsr-3370	496	8	,	,	PUNCT
fsr-3370	496	9	and	and	CCONJ
fsr-3370	496	10	behavior	behavior	NOUN
fsr-3370	496	11	?	?	PUNCT
fsr-3370	497	1	an	an	DET
fsr-3370	497	2	empirical	empirical	ADJ
fsr-3370	497	3	analysis	analysis	NOUN
fsr-3370	497	4	.	.	PUNCT
fsr-3370	498	1	personal	personal	ADJ
fsr-3370	498	2	finances	finance	NOUN
fsr-3370	498	3	and	and	CCONJ
fsr-3370	498	4	worker	worker	NOUN
fsr-3370	498	5	productivity	productivity	NOUN
fsr-3370	498	6	,	,	PUNCT
fsr-3370	498	7	2	2	NUM
fsr-3370	498	8	,	,	PUNCT
fsr-3370	498	9	213–220	213–220	NUM
fsr-3370	498	10	.	.	PUNCT
fsr-3370	498	11	grable	grable	PROPN
fsr-3370	498	12	,	,	PUNCT
fsr-3370	498	13	j.	j.	PROPN
fsr-3370	498	14	e.	e.	PROPN
fsr-3370	498	15	(	(	PUNCT
fsr-3370	498	16	1997	1997	NUM
fsr-3370	498	17	)	)	PUNCT
fsr-3370	498	18	.	.	PUNCT
fsr-3370	499	1	investor	investor	NOUN
fsr-3370	499	2	risk	risk	NOUN
fsr-3370	499	3	tolerance	tolerance	NOUN
fsr-3370	499	4	:	:	PUNCT
fsr-3370	499	5	testing	test	VERB
fsr-3370	499	6	the	the	DET
fsr-3370	499	7	efficacy	efficacy	NOUN
fsr-3370	499	8	of	of	ADP
fsr-3370	499	9	demographics	demographic	NOUN
fsr-3370	499	10	as	as	ADP
fsr-3370	499	11	differentiating	differentiate	VERB
fsr-3370	499	12	and	and	CCONJ
fsr-3370	499	13	classifying	classify	VERB
fsr-3370	499	14	factors	factor	NOUN
fsr-3370	499	15	.	.	PUNCT
fsr-3370	500	1	unpublished	unpublished	ADJ
fsr-3370	500	2	doctoral	doctoral	ADJ
fsr-3370	500	3	dissertation	dissertation	NOUN
fsr-3370	500	4	.	.	PUNCT
fsr-3370	501	1	blacksburg	blacksburg	PROPN
fsr-3370	501	2	,	,	PUNCT
fsr-3370	501	3	va	va	PROPN
fsr-3370	501	4	:	:	PROPN
fsr-3370	501	5	virginia	virginia	PROPN
fsr-3370	501	6	polytechnic	polytechnic	PROPN
fsr-3370	501	7	institute	institute	PROPN
fsr-3370	501	8	and	and	CCONJ
fsr-3370	501	9	state	state	PROPN
fsr-3370	501	10	university	university	NOUN
fsr-3370	501	11	,	,	PUNCT
fsr-3370	501	12	1997	1997	NUM
fsr-3370	501	13	.	.	PUNCT
fsr-3370	502	1	grable	grable	PROPN
fsr-3370	502	2	,	,	PUNCT
fsr-3370	502	3	j.	j.	PROPN
fsr-3370	502	4	e.	e.	PROPN
fsr-3370	502	5	(	(	PUNCT
fsr-3370	502	6	2000	2000	NUM
fsr-3370	502	7	)	)	PUNCT
fsr-3370	502	8	.	.	PUNCT
fsr-3370	503	1	financial	financial	ADJ
fsr-3370	503	2	risk	risk	NOUN
fsr-3370	503	3	tolerance	tolerance	NOUN
fsr-3370	503	4	and	and	CCONJ
fsr-3370	503	5	additional	additional	ADJ
fsr-3370	503	6	factors	factor	NOUN
fsr-3370	503	7	that	that	PRON
fsr-3370	503	8	affect	affect	VERB
fsr-3370	503	9	risk	risk	NOUN
fsr-3370	503	10	taking	take	VERB
fsr-3370	503	11	in	in	ADP
fsr-3370	503	12	everyday	everyday	ADJ
fsr-3370	503	13	money	money	NOUN
fsr-3370	503	14	matters	matter	NOUN
fsr-3370	503	15	.	.	PUNCT
fsr-3370	504	1	journal	journal	NOUN
fsr-3370	504	2	of	of	ADP
fsr-3370	504	3	business	business	PROPN
fsr-3370	504	4	&	&	CCONJ
fsr-3370	504	5	psychology	psychology	NOUN
fsr-3370	504	6	,	,	PUNCT
fsr-3370	504	7	14	14	NUM
fsr-3370	504	8	,	,	PUNCT
fsr-3370	504	9	625–631	625–631	NUM
fsr-3370	504	10	.	.	PUNCT
fsr-3370	505	1	grable	grable	PROPN
fsr-3370	505	2	,	,	PUNCT
fsr-3370	505	3	j.	j.	PROPN
fsr-3370	505	4	e.	e.	PROPN
fsr-3370	505	5	,	,	PUNCT
fsr-3370	505	6	&	&	CCONJ
fsr-3370	505	7	lytton	lytton	PROPN
fsr-3370	505	8	,	,	PUNCT
fsr-3370	505	9	r.	r.	PROPN
fsr-3370	505	10	h.	h.	PROPN
fsr-3370	505	11	(	(	PUNCT
fsr-3370	505	12	1999	1999	NUM
fsr-3370	505	13	)	)	PUNCT
fsr-3370	505	14	.	.	PUNCT
fsr-3370	506	1	financial	financial	ADJ
fsr-3370	506	2	risk	risk	NOUN
fsr-3370	506	3	tolerance	tolerance	NOUN
fsr-3370	506	4	revisited	revisit	VERB
fsr-3370	506	5	:	:	PUNCT
fsr-3370	506	6	the	the	DET
fsr-3370	506	7	development	development	NOUN
fsr-3370	506	8	of	of	ADP
fsr-3370	506	9	a	a	DET
fsr-3370	506	10	risk	risk	NOUN
fsr-3370	506	11	assessment	assessment	NOUN
fsr-3370	506	12	instrument	instrument	NOUN
fsr-3370	506	13	.	.	PUNCT
fsr-3370	507	1	financial	financial	ADJ
fsr-3370	507	2	services	service	NOUN
fsr-3370	507	3	review	review	NOUN
fsr-3370	507	4	,	,	PUNCT
fsr-3370	507	5	8	8	NUM
fsr-3370	507	6	,	,	PUNCT
fsr-3370	507	7	163–181	163–181	NUM
fsr-3370	507	8	.	.	PUNCT
fsr-3370	508	1	grable	grable	PROPN
fsr-3370	508	2	,	,	PUNCT
fsr-3370	508	3	j.	j.	PROPN
fsr-3370	508	4	e.	e.	PROPN
fsr-3370	508	5	,	,	PUNCT
fsr-3370	508	6	&	&	CCONJ
fsr-3370	508	7	lytton	lytton	PROPN
fsr-3370	508	8	,	,	PUNCT
fsr-3370	508	9	r.	r.	PROPN
fsr-3370	508	10	h.	h.	PROPN
fsr-3370	508	11	(	(	PUNCT
fsr-3370	508	12	2001	2001	NUM
fsr-3370	508	13	)	)	PUNCT
fsr-3370	508	14	.	.	PUNCT
fsr-3370	509	1	assessing	assess	VERB
fsr-3370	509	2	the	the	DET
fsr-3370	509	3	concurrent	concurrent	ADJ
fsr-3370	509	4	validity	validity	NOUN
fsr-3370	509	5	of	of	ADP
fsr-3370	509	6	the	the	DET
fsr-3370	509	7	scf	scf	PROPN
fsr-3370	509	8	risk	risk	NOUN
fsr-3370	509	9	tolerance	tolerance	NOUN
fsr-3370	509	10	question	question	NOUN
fsr-3370	509	11	.	.	PUNCT
fsr-3370	510	1	journal	journal	NOUN
fsr-3370	510	2	of	of	ADP
fsr-3370	510	3	financial	financial	ADJ
fsr-3370	510	4	counseling	counseling	NOUN
fsr-3370	510	5	and	and	CCONJ
fsr-3370	510	6	planning	planning	NOUN
fsr-3370	510	7	,	,	PUNCT
fsr-3370	510	8	12	12	NUM
fsr-3370	510	9	,	,	PUNCT
fsr-3370	510	10	43	43	NUM
fsr-3370	510	11	.	.	PUNCT
fsr-3370	511	1	hallahan	hallahan	PROPN
fsr-3370	511	2	,	,	PUNCT
fsr-3370	511	3	t.	t.	PROPN
fsr-3370	511	4	a.	a.	PROPN
fsr-3370	511	5	,	,	PUNCT
fsr-3370	511	6	faff	faff	PROPN
fsr-3370	511	7	,	,	PUNCT
fsr-3370	511	8	r.	r.	PROPN
fsr-3370	511	9	w.	w.	PROPN
fsr-3370	511	10	,	,	PUNCT
fsr-3370	511	11	&	&	CCONJ
fsr-3370	511	12	mckenzie	mckenzie	PROPN
fsr-3370	511	13	,	,	PUNCT
fsr-3370	511	14	m.	m.	PROPN
fsr-3370	511	15	d.	d.	PROPN
fsr-3370	511	16	(	(	PUNCT
fsr-3370	511	17	2004	2004	NUM
fsr-3370	511	18	)	)	PUNCT
fsr-3370	511	19	.	.	PUNCT
fsr-3370	512	1	an	an	DET
fsr-3370	512	2	empirical	empirical	ADJ
fsr-3370	512	3	investigation	investigation	NOUN
fsr-3370	512	4	of	of	ADP
fsr-3370	512	5	personal	personal	ADJ
fsr-3370	512	6	financial	financial	ADJ
fsr-3370	512	7	risk	risk	NOUN
fsr-3370	512	8	tolerance	tolerance	NOUN
fsr-3370	512	9	.	.	PUNCT
fsr-3370	513	1	financial	financial	ADJ
fsr-3370	513	2	services	service	NOUN
fsr-3370	513	3	review	review	PROPN
fsr-3370	513	4	,	,	PUNCT
fsr-3370	513	5	13	13	NUM
fsr-3370	513	6	,	,	PUNCT
fsr-3370	513	7	57	57	NUM
fsr-3370	513	8	.	.	PUNCT
fsr-3370	514	1	hariharan	hariharan	PROPN
fsr-3370	514	2	,	,	PUNCT
fsr-3370	514	3	g.	g.	PROPN
fsr-3370	514	4	,	,	PUNCT
fsr-3370	514	5	chapman	chapman	PROPN
fsr-3370	514	6	,	,	PUNCT
fsr-3370	514	7	k.	k.	PROPN
fsr-3370	514	8	s.	s.	PROPN
fsr-3370	514	9	,	,	PUNCT
fsr-3370	514	10	&	&	CCONJ
fsr-3370	514	11	domian	domian	PROPN
fsr-3370	514	12	,	,	PUNCT
fsr-3370	514	13	d.	d.	PROPN
fsr-3370	514	14	l.	l.	PROPN
fsr-3370	514	15	(	(	PUNCT
fsr-3370	514	16	2000	2000	NUM
fsr-3370	514	17	)	)	PUNCT
fsr-3370	514	18	.	.	PUNCT
fsr-3370	515	1	risk	risk	NOUN
fsr-3370	515	2	tolerance	tolerance	NOUN
fsr-3370	515	3	and	and	CCONJ
fsr-3370	515	4	asset	asset	NOUN
fsr-3370	515	5	allocation	allocation	NOUN
fsr-3370	515	6	for	for	ADP
fsr-3370	515	7	investors	investor	NOUN
fsr-3370	515	8	nearing	near	VERB
fsr-3370	515	9	retirement	retirement	NOUN
fsr-3370	515	10	.	.	PUNCT
fsr-3370	516	1	financial	financial	ADJ
fsr-3370	516	2	services	service	NOUN
fsr-3370	516	3	review	review	NOUN
fsr-3370	516	4	,	,	PUNCT
fsr-3370	516	5	9	9	NUM
fsr-3370	516	6	,	,	PUNCT
fsr-3370	516	7	159–170	159–170	NUM
fsr-3370	516	8	.	.	PUNCT
fsr-3370	517	1	hsee	hsee	PROPN
fsr-3370	517	2	,	,	PUNCT
fsr-3370	517	3	c.	c.	PROPN
fsr-3370	517	4	k.	k.	PROPN
fsr-3370	517	5	,	,	PUNCT
fsr-3370	517	6	&	&	CCONJ
fsr-3370	517	7	weber	weber	PROPN
fsr-3370	517	8	,	,	PUNCT
fsr-3370	517	9	e.	e.	PROPN
fsr-3370	517	10	u.	u.	PROPN
fsr-3370	517	11	(	(	PUNCT
fsr-3370	517	12	1999	1999	NUM
fsr-3370	517	13	)	)	PUNCT
fsr-3370	517	14	.	.	PUNCT
fsr-3370	518	1	cross	cross	ADJ
fsr-3370	518	2	-	-	ADJ
fsr-3370	518	3	national	national	ADJ
fsr-3370	518	4	differences	difference	NOUN
fsr-3370	518	5	in	in	ADP
fsr-3370	518	6	risk	risk	NOUN
fsr-3370	518	7	preference	preference	NOUN
fsr-3370	518	8	and	and	CCONJ
fsr-3370	518	9	lay	lay	VERB
fsr-3370	518	10	predictions	prediction	NOUN
fsr-3370	518	11	.	.	PUNCT
fsr-3370	519	1	journal	journal	NOUN
fsr-3370	519	2	of	of	ADP
fsr-3370	519	3	behavioral	behavioral	ADJ
fsr-3370	519	4	decision	decision	NOUN
fsr-3370	519	5	making	making	NOUN
fsr-3370	519	6	,	,	PUNCT
fsr-3370	519	7	12	12	NUM
fsr-3370	519	8	,	,	PUNCT
fsr-3370	519	9	165–179	165–179	NUM
fsr-3370	519	10	.	.	PUNCT
fsr-3370	520	1	irwin	irwin	PROPN
fsr-3370	520	2	,	,	PUNCT
fsr-3370	520	3	jr	jr	PROPN
fsr-3370	520	4	.	.	PROPN
fsr-3370	520	5	,	,	PUNCT
fsr-3370	520	6	c.	c.	PROPN
fsr-3370	520	7	e.	e.	PROPN
fsr-3370	520	8	(	(	PUNCT
fsr-3370	520	9	1993	1993	NUM
fsr-3370	520	10	)	)	PUNCT
fsr-3370	520	11	.	.	PUNCT
fsr-3370	521	1	adolescence	adolescence	NOUN
fsr-3370	521	2	and	and	CCONJ
fsr-3370	521	3	risk	risk	NOUN
fsr-3370	521	4	taking	taking	NOUN
fsr-3370	521	5	:	:	PUNCT
fsr-3370	521	6	how	how	SCONJ
fsr-3370	521	7	are	be	AUX
fsr-3370	521	8	they	they	PRON
fsr-3370	521	9	related	relate	VERB
fsr-3370	521	10	?	?	PUNCT
fsr-3370	522	1	in	in	ADP
fsr-3370	522	2	n.	n.	PROPN
fsr-3370	522	3	j.	j.	PROPN
fsr-3370	522	4	bell	bell	PROPN
fsr-3370	522	5	&	&	CCONJ
fsr-3370	522	6	r.	r.	PROPN
fsr-3370	522	7	w.	w.	PROPN
fsr-3370	522	8	bell	bell	PROPN
fsr-3370	522	9	(	(	PUNCT
fsr-3370	522	10	eds	ed	NOUN
fsr-3370	522	11	.	.	PUNCT
fsr-3370	522	12	)	)	PUNCT
fsr-3370	522	13	,	,	PUNCT
fsr-3370	522	14	adolescent	adolescent	ADJ
fsr-3370	522	15	risk	risk	NOUN
fsr-3370	522	16	taking	taking	NOUN
fsr-3370	522	17	(	(	PUNCT
fsr-3370	522	18	pp	pp	ADJ
fsr-3370	522	19	.	.	PUNCT
fsr-3370	522	20	1–19	1–19	NOUN
fsr-3370	522	21	)	)	PUNCT
fsr-3370	522	22	.	.	PUNCT
fsr-3370	523	1	thousand	thousand	NUM
fsr-3370	523	2	oaks	oak	NOUN
fsr-3370	523	3	,	,	PUNCT
fsr-3370	523	4	ca	can	AUX
fsr-3370	523	5	:	:	PUNCT
fsr-3370	523	6	sage	sage	VERB
fsr-3370	523	7	.	.	PUNCT
fsr-3370	524	1	kahneman	kahneman	PROPN
fsr-3370	524	2	,	,	PUNCT
fsr-3370	524	3	d.	d.	PROPN
fsr-3370	524	4	,	,	PUNCT
fsr-3370	524	5	&	&	CCONJ
fsr-3370	524	6	tversky	tversky	PROPN
fsr-3370	524	7	,	,	PUNCT
fsr-3370	524	8	a.	a.	NOUN
fsr-3370	524	9	(	(	PUNCT
fsr-3370	524	10	1979	1979	NUM
fsr-3370	524	11	)	)	PUNCT
fsr-3370	524	12	.	.	PUNCT
fsr-3370	525	1	prospect	prospect	PROPN
fsr-3370	525	2	theory	theory	NOUN
fsr-3370	525	3	:	:	PUNCT
fsr-3370	525	4	an	an	DET
fsr-3370	525	5	analysis	analysis	NOUN
fsr-3370	525	6	of	of	ADP
fsr-3370	525	7	decision	decision	NOUN
fsr-3370	525	8	under	under	ADP
fsr-3370	525	9	risk	risk	NOUN
fsr-3370	525	10	.	.	PUNCT
fsr-3370	526	1	econometrica	econometrica	PROPN
fsr-3370	526	2	:	:	PUNCT
fsr-3370	526	3	journal	journal	NOUN
fsr-3370	526	4	of	of	ADP
fsr-3370	526	5	the	the	DET
fsr-3370	526	6	econometric	econometric	ADJ
fsr-3370	526	7	society	society	NOUN
fsr-3370	526	8	,	,	PUNCT
fsr-3370	526	9	47	47	NUM
fsr-3370	526	10	,	,	PUNCT
fsr-3370	526	11	263–291	263–291	NUM
fsr-3370	526	12	.	.	PUNCT
fsr-3370	527	1	kim	kim	PROPN
fsr-3370	527	2	,	,	PUNCT
fsr-3370	527	3	j.	j.	PROPN
fsr-3370	527	4	,	,	PUNCT
fsr-3370	527	5	chatterjee	chatterjee	PROPN
fsr-3370	527	6	,	,	PUNCT
fsr-3370	527	7	s.	s.	PROPN
fsr-3370	527	8	,	,	PUNCT
fsr-3370	527	9	&	&	CCONJ
fsr-3370	527	10	cho	cho	PROPN
fsr-3370	527	11	,	,	PUNCT
fsr-3370	527	12	s.	s.	PROPN
fsr-3370	527	13	h.	h.	PROPN
fsr-3370	527	14	(	(	PUNCT
fsr-3370	527	15	2012	2012	NUM
fsr-3370	527	16	)	)	PUNCT
fsr-3370	527	17	.	.	PUNCT
fsr-3370	528	1	asset	asset	NOUN
fsr-3370	528	2	ownership	ownership	NOUN
fsr-3370	528	3	of	of	ADP
fsr-3370	528	4	new	new	ADJ
fsr-3370	528	5	asian	asian	ADJ
fsr-3370	528	6	immigrants	immigrant	NOUN
fsr-3370	528	7	in	in	ADP
fsr-3370	528	8	the	the	DET
fsr-3370	528	9	united	united	PROPN
fsr-3370	528	10	states	states	PROPN
fsr-3370	528	11	.	.	PUNCT
fsr-3370	529	1	journal	journal	PROPN
fsr-3370	529	2	of	of	ADP
fsr-3370	529	3	family	family	NOUN
fsr-3370	529	4	and	and	CCONJ
fsr-3370	529	5	economic	economic	ADJ
fsr-3370	529	6	issues	issue	NOUN
fsr-3370	529	7	,	,	PUNCT
fsr-3370	529	8	33	33	NUM
fsr-3370	529	9	,	,	PUNCT
fsr-3370	529	10	215–226	215–226	NUM
fsr-3370	529	11	.	.	PUNCT
fsr-3370	530	1	morin	morin	PROPN
fsr-3370	530	2	,	,	PUNCT
fsr-3370	530	3	a.	a.	PROPN
fsr-3370	530	4	r.	r.	PROPN
fsr-3370	530	5	,	,	PUNCT
fsr-3370	530	6	&	&	CCONJ
fsr-3370	530	7	suarez	suarez	PROPN
fsr-3370	530	8	,	,	PUNCT
fsr-3370	530	9	a.	a.	PROPN
fsr-3370	530	10	f.	f.	PROPN
fsr-3370	530	11	(	(	PUNCT
fsr-3370	530	12	1983	1983	NUM
fsr-3370	530	13	)	)	PUNCT
fsr-3370	530	14	.	.	PUNCT
fsr-3370	531	1	risk	risk	NOUN
fsr-3370	531	2	aversion	aversion	NOUN
fsr-3370	531	3	revisited	revisit	VERB
fsr-3370	531	4	.	.	PUNCT
fsr-3370	532	1	the	the	DET
fsr-3370	532	2	journal	journal	PROPN
fsr-3370	532	3	of	of	ADP
fsr-3370	532	4	finance	finance	NOUN
fsr-3370	532	5	,	,	PUNCT
fsr-3370	532	6	38	38	NUM
fsr-3370	532	7	,	,	PUNCT
fsr-3370	532	8	1201–1216	1201–1216	NUM
fsr-3370	532	9	.	.	PUNCT
fsr-3370	532	10	motley	motley	ADJ
fsr-3370	532	11	fool	fool	NOUN
fsr-3370	532	12	.	.	PUNCT
fsr-3370	533	1	(	(	PUNCT
fsr-3370	533	2	n.d	n.d	PROPN
fsr-3370	533	3	.	.	PROPN
fsr-3370	533	4	)	)	PUNCT
fsr-3370	533	5	.	.	PUNCT
fsr-3370	534	1	how	how	SCONJ
fsr-3370	534	2	do	do	AUX
fsr-3370	534	3	gold	gold	NOUN
fsr-3370	534	4	prices	price	NOUN
fsr-3370	534	5	affect	affect	VERB
fsr-3370	534	6	the	the	DET
fsr-3370	534	7	economy	economy	NOUN
fsr-3370	534	8	?	?	PUNCT
fsr-3370	535	1	(	(	PUNCT
fsr-3370	535	2	available	available	ADJ
fsr-3370	535	3	at	at	ADP
fsr-3370	535	4	http://www.fool.com/knowledgecenter/2016/03/05/how-do-gold-prices-affect-the-economy.aspx	http://www.fool.com/knowledgecenter/2016/03/05/how-do-gold-prices-affect-the-economy.aspx	NUM
fsr-3370	535	5	)	)	PUNCT
fsr-3370	535	6	pålsson	pålsson	NOUN
fsr-3370	535	7	,	,	PUNCT
fsr-3370	535	8	a.-m	a.-m	PROPN
fsr-3370	535	9	.	.	PUNCT
fsr-3370	536	1	(	(	PUNCT
fsr-3370	536	2	1996	1996	NUM
fsr-3370	536	3	)	)	PUNCT
fsr-3370	536	4	.	.	PUNCT
fsr-3370	537	1	does	do	AUX
fsr-3370	537	2	the	the	DET
fsr-3370	537	3	degree	degree	NOUN
fsr-3370	537	4	of	of	ADP
fsr-3370	537	5	relative	relative	ADJ
fsr-3370	537	6	risk	risk	NOUN
fsr-3370	537	7	aversion	aversion	NOUN
fsr-3370	537	8	vary	vary	VERB
fsr-3370	537	9	with	with	ADP
fsr-3370	537	10	household	household	NOUN
fsr-3370	537	11	characteristics	characteristic	NOUN
fsr-3370	537	12	?	?	PUNCT
fsr-3370	538	1	journal	journal	NOUN
fsr-3370	538	2	of	of	ADP
fsr-3370	538	3	economic	economic	ADJ
fsr-3370	538	4	psychology	psychology	NOUN
fsr-3370	538	5	,	,	PUNCT
fsr-3370	538	6	17	17	NUM
fsr-3370	538	7	,	,	PUNCT
fsr-3370	538	8	771–787	771–787	NUM
fsr-3370	538	9	.	.	PUNCT
fsr-3370	539	1	rabbani	rabbani	PROPN
fsr-3370	539	2	,	,	PUNCT
fsr-3370	539	3	a.	a.	NOUN
fsr-3370	539	4	g.	g.	PROPN
fsr-3370	539	5	,	,	PUNCT
fsr-3370	539	6	grable	grable	PROPN
fsr-3370	539	7	,	,	PUNCT
fsr-3370	539	8	j.	j.	PROPN
fsr-3370	539	9	e.	e.	PROPN
fsr-3370	539	10	,	,	PUNCT
fsr-3370	539	11	heo	heo	PROPN
fsr-3370	539	12	w.	w.	PROPN
fsr-3370	539	13	,	,	PUNCT
fsr-3370	539	14	nobre	nobre	PROPN
fsr-3370	539	15	,	,	PUNCT
fsr-3370	539	16	l.	l.	PROPN
fsr-3370	539	17	,	,	PUNCT
fsr-3370	539	18	&	&	CCONJ
fsr-3370	539	19	kuzniak	kuzniak	PROPN
fsr-3370	539	20	,	,	PUNCT
fsr-3370	539	21	s.	s.	PROPN
fsr-3370	539	22	(	(	PUNCT
fsr-3370	539	23	2017	2017	NUM
fsr-3370	539	24	)	)	PUNCT
fsr-3370	539	25	.	.	PUNCT
fsr-3370	540	1	stock	stock	NOUN
fsr-3370	540	2	market	market	NOUN
fsr-3370	540	3	volatility	volatility	NOUN
fsr-3370	540	4	and	and	CCONJ
fsr-3370	540	5	changes	change	NOUN
fsr-3370	540	6	in	in	ADP
fsr-3370	540	7	financial	financial	ADJ
fsr-3370	540	8	risk	risk	NOUN
fsr-3370	540	9	tolerance	tolerance	NOUN
fsr-3370	540	10	during	during	ADP
fsr-3370	540	11	the	the	DET
fsr-3370	540	12	great	great	ADJ
fsr-3370	540	13	recession	recession	NOUN
fsr-3370	540	14	.	.	PUNCT
fsr-3370	541	1	journal	journal	NOUN
fsr-3370	541	2	of	of	ADP
fsr-3370	541	3	financial	financial	ADJ
fsr-3370	541	4	counseling	counseling	NOUN
fsr-3370	541	5	and	and	CCONJ
fsr-3370	541	6	planning	planning	NOUN
fsr-3370	541	7	,	,	PUNCT
fsr-3370	541	8	28	28	NUM
fsr-3370	541	9	,	,	PUNCT
fsr-3370	541	10	140–154	140–154	NUM
fsr-3370	541	11	.	.	PUNCT
fsr-3370	541	12	337s	337s	PROPN
fsr-3370	541	13	.	.	PUNCT
fsr-3370	542	1	kuzniak	kuzniak	PROPN
fsr-3370	542	2	,	,	PUNCT
fsr-3370	542	3	j.e	j.e	PROPN
fsr-3370	542	4	.	.	PROPN
fsr-3370	542	5	grable	grable	PROPN
fsr-3370	542	6	/	/	SYM
fsr-3370	542	7	financial	financial	ADJ
fsr-3370	542	8	services	service	NOUN
fsr-3370	542	9	review	review	VERB
fsr-3370	542	10	26	26	NUM
fsr-3370	542	11	(	(	PUNCT
fsr-3370	542	12	2017	2017	NUM
fsr-3370	542	13	)	)	PUNCT
fsr-3370	542	14	315–338	315–338	NUM
fsr-3370	542	15	rieger	rieger	NOUN
fsr-3370	542	16	,	,	PUNCT
fsr-3370	542	17	m.	m.	NOUN
fsr-3370	542	18	o.	o.	PROPN
fsr-3370	542	19	,	,	PUNCT
fsr-3370	542	20	wang	wang	PROPN
fsr-3370	542	21	,	,	PUNCT
fsr-3370	542	22	m.	m.	NOUN
fsr-3370	542	23	,	,	PUNCT
fsr-3370	542	24	&	&	CCONJ
fsr-3370	542	25	hens	hen	NOUN
fsr-3370	542	26	,	,	PUNCT
fsr-3370	542	27	t.	t.	NOUN
fsr-3370	542	28	(	(	PUNCT
fsr-3370	542	29	2014	2014	NUM
fsr-3370	542	30	)	)	PUNCT
fsr-3370	542	31	.	.	PUNCT
fsr-3370	543	1	risk	risk	NOUN
fsr-3370	543	2	preferences	preference	NOUN
fsr-3370	543	3	around	around	ADP
fsr-3370	543	4	the	the	DET
fsr-3370	543	5	world	world	NOUN
fsr-3370	543	6	.	.	PUNCT
fsr-3370	544	1	management	management	NOUN
fsr-3370	544	2	science	science	NOUN
fsr-3370	544	3	,	,	PUNCT
fsr-3370	544	4	61	61	NUM
fsr-3370	544	5	,	,	PUNCT
fsr-3370	544	6	637–648	637–648	NUM
fsr-3370	544	7	.	.	PUNCT
fsr-3370	545	1	reinhart	reinhart	PROPN
fsr-3370	545	2	,	,	PUNCT
fsr-3370	545	3	c.	c.	PROPN
fsr-3370	545	4	,	,	PUNCT
fsr-3370	545	5	&	&	CCONJ
fsr-3370	545	6	borensztein	borensztein	PROPN
fsr-3370	545	7	,	,	PUNCT
fsr-3370	545	8	e.	e.	PROPN
fsr-3370	545	9	(	(	PUNCT
fsr-3370	545	10	1994	1994	NUM
fsr-3370	545	11	)	)	PUNCT
fsr-3370	545	12	.	.	PUNCT
fsr-3370	546	1	the	the	DET
fsr-3370	546	2	macroeconomic	macroeconomic	ADJ
fsr-3370	546	3	determinants	determinant	NOUN
fsr-3370	546	4	of	of	ADP
fsr-3370	546	5	commodity	commodity	NOUN
fsr-3370	546	6	prices	price	NOUN
fsr-3370	546	7	.	.	PUNCT
fsr-3370	547	1	staff	staff	NOUN
fsr-3370	547	2	papersinternational	papersinternational	PROPN
fsr-3370	547	3	monetary	monetary	ADJ
fsr-3370	547	4	fund	fund	PROPN
fsr-3370	547	5	,	,	PUNCT
fsr-3370	547	6	41	41	NUM
fsr-3370	547	7	,	,	PUNCT
fsr-3370	547	8	236–261	236–261	NUM
fsr-3370	547	9	.	.	PUNCT
fsr-3370	548	1	roszkowski	roszkowski	NOUN
fsr-3370	548	2	,	,	PUNCT
fsr-3370	548	3	m.	m.	NOUN
fsr-3370	548	4	j.	j.	PROPN
fsr-3370	548	5	,	,	PUNCT
fsr-3370	548	6	&	&	CCONJ
fsr-3370	548	7	spreat	spreat	PROPN
fsr-3370	548	8	,	,	PUNCT
fsr-3370	548	9	s.	s.	PROPN
fsr-3370	548	10	(	(	PUNCT
fsr-3370	548	11	2010	2010	NUM
fsr-3370	548	12	)	)	PUNCT
fsr-3370	548	13	.	.	PUNCT
fsr-3370	549	1	issues	issue	NOUN
fsr-3370	549	2	to	to	PART
fsr-3370	549	3	consider	consider	VERB
fsr-3370	549	4	when	when	SCONJ
fsr-3370	549	5	evaluating	evaluate	VERB
fsr-3370	549	6	“	"	PUNCT
fsr-3370	549	7	tests	test	NOUN
fsr-3370	549	8	.	.	PUNCT
fsr-3370	549	9	”	"	PUNCT
fsr-3370	549	10	in	in	ADP
fsr-3370	549	11	j.	j.	PROPN
fsr-3370	549	12	e.	e.	PROPN
fsr-3370	549	13	grable	grable	PROPN
fsr-3370	549	14	,	,	PUNCT
fsr-3370	549	15	k.	k.	PROPN
fsr-3370	549	16	archuleta	archuleta	PROPN
fsr-3370	549	17	,	,	PUNCT
fsr-3370	549	18	&	&	CCONJ
fsr-3370	549	19	r.	r.	PROPN
fsr-3370	549	20	r.	r.	PROPN
fsr-3370	549	21	nazarinia	nazarinia	PROPN
fsr-3370	549	22	(	(	PUNCT
fsr-3370	549	23	eds	ed	NOUN
fsr-3370	549	24	.	.	PUNCT
fsr-3370	549	25	)	)	PUNCT
fsr-3370	549	26	,	,	PUNCT
fsr-3370	549	27	financial	financial	ADJ
fsr-3370	549	28	planning	planning	NOUN
fsr-3370	549	29	and	and	CCONJ
fsr-3370	549	30	counseling	counseling	NOUN
fsr-3370	549	31	scales	scale	NOUN
fsr-3370	549	32	(	(	PUNCT
fsr-3370	549	33	pp	pp	ADJ
fsr-3370	549	34	.	.	PUNCT
fsr-3370	549	35	13–32	13–32	NUM
fsr-3370	549	36	)	)	PUNCT
fsr-3370	549	37	.	.	PUNCT
fsr-3370	550	1	new	new	PROPN
fsr-3370	550	2	york	york	PROPN
fsr-3370	550	3	,	,	PUNCT
fsr-3370	550	4	ny	ny	PROPN
fsr-3370	550	5	:	:	PUNCT
fsr-3370	550	6	springer	springer	NOUN
fsr-3370	550	7	.	.	PUNCT
fsr-3370	550	8	roszkowski	roszkowski	PROPN
fsr-3370	550	9	,	,	PUNCT
fsr-3370	550	10	m.	m.	NOUN
fsr-3370	550	11	j.	j.	PROPN
fsr-3370	550	12	,	,	PUNCT
fsr-3370	550	13	&	&	CCONJ
fsr-3370	550	14	davey	davey	NOUN
fsr-3370	550	15	,	,	PUNCT
fsr-3370	550	16	g.	g.	PROPN
fsr-3370	550	17	(	(	PUNCT
fsr-3370	550	18	2010	2010	NUM
fsr-3370	550	19	)	)	PUNCT
fsr-3370	550	20	.	.	PUNCT
fsr-3370	551	1	risk	risk	NOUN
fsr-3370	551	2	perception	perception	NOUN
fsr-3370	551	3	and	and	CCONJ
fsr-3370	551	4	risk	risk	NOUN
fsr-3370	551	5	tolerance	tolerance	NOUN
fsr-3370	551	6	changes	change	VERB
fsr-3370	551	7	attributable	attributable	ADJ
fsr-3370	551	8	to	to	ADP
fsr-3370	551	9	the	the	DET
fsr-3370	551	10	2008	2008	NUM
fsr-3370	551	11	economic	economic	ADJ
fsr-3370	551	12	crisis	crisis	NOUN
fsr-3370	551	13	:	:	PUNCT
fsr-3370	551	14	a	a	DET
fsr-3370	551	15	subtle	subtle	ADJ
fsr-3370	551	16	but	but	CCONJ
fsr-3370	551	17	critical	critical	ADJ
fsr-3370	551	18	difference	difference	NOUN
fsr-3370	551	19	.	.	PUNCT
fsr-3370	552	1	journal	journal	NOUN
fsr-3370	552	2	of	of	ADP
fsr-3370	552	3	financial	financial	ADJ
fsr-3370	552	4	service	service	NOUN
fsr-3370	552	5	professionals	professional	NOUN
fsr-3370	552	6	,	,	PUNCT
fsr-3370	552	7	64	64	NUM
fsr-3370	552	8	,	,	PUNCT
fsr-3370	552	9	42–53	42–53	PROPN
fsr-3370	552	10	.	.	PUNCT
fsr-3370	552	11	roszkowski	roszkowski	PROPN
fsr-3370	552	12	,	,	PUNCT
fsr-3370	552	13	m.	m.	NOUN
fsr-3370	552	14	j.	j.	PROPN
fsr-3370	552	15	,	,	PUNCT
fsr-3370	552	16	delaney	delaney	PROPN
fsr-3370	552	17	,	,	PUNCT
fsr-3370	552	18	m.	m.	NOUN
fsr-3370	552	19	m.	m.	NOUN
fsr-3370	552	20	,	,	PUNCT
fsr-3370	552	21	&	&	CCONJ
fsr-3370	552	22	cordell	cordell	PROPN
fsr-3370	552	23	,	,	PUNCT
fsr-3370	552	24	d.	d.	PROPN
fsr-3370	552	25	m.	m.	PROPN
fsr-3370	552	26	(	(	PUNCT
fsr-3370	552	27	2009	2009	NUM
fsr-3370	552	28	)	)	PUNCT
fsr-3370	552	29	.	.	PUNCT
fsr-3370	553	1	intrapersonal	intrapersonal	ADJ
fsr-3370	553	2	consistency	consistency	NOUN
fsr-3370	553	3	in	in	ADP
fsr-3370	553	4	financial	financial	ADJ
fsr-3370	553	5	risk	risk	NOUN
fsr-3370	553	6	tolerance	tolerance	NOUN
fsr-3370	553	7	assessment	assessment	NOUN
fsr-3370	553	8	:	:	PUNCT
fsr-3370	553	9	temporal	temporal	ADJ
fsr-3370	553	10	stability	stability	NOUN
fsr-3370	553	11	,	,	PUNCT
fsr-3370	553	12	relationship	relationship	NOUN
fsr-3370	553	13	to	to	ADP
fsr-3370	553	14	total	total	ADJ
fsr-3370	553	15	score	score	NOUN
fsr-3370	553	16	,	,	PUNCT
fsr-3370	553	17	and	and	CCONJ
fsr-3370	553	18	effect	effect	NOUN
fsr-3370	553	19	on	on	ADP
fsr-3370	553	20	criterion	criterion	NOUN
fsr-3370	553	21	-	-	PUNCT
fsr-3370	553	22	related	relate	VERB
fsr-3370	553	23	validity	validity	NOUN
fsr-3370	553	24	.	.	PUNCT
fsr-3370	554	1	journal	journal	NOUN
fsr-3370	554	2	of	of	ADP
fsr-3370	554	3	business	business	NOUN
fsr-3370	554	4	and	and	CCONJ
fsr-3370	554	5	psychology	psychology	NOUN
fsr-3370	554	6	,	,	PUNCT
fsr-3370	554	7	24	24	NUM
fsr-3370	554	8	,	,	PUNCT
fsr-3370	554	9	455–467	455–467	NUM
fsr-3370	554	10	.	.	PUNCT
fsr-3370	555	1	santacruz	santacruz	PROPN
fsr-3370	555	2	,	,	PUNCT
fsr-3370	555	3	l.	l.	PROPN
fsr-3370	555	4	(	(	PUNCT
fsr-3370	555	5	2009	2009	NUM
fsr-3370	555	6	)	)	PUNCT
fsr-3370	555	7	.	.	PUNCT
fsr-3370	556	1	effect	effect	NOUN
fsr-3370	556	2	of	of	ADP
fsr-3370	556	3	general	general	ADJ
fsr-3370	556	4	economic	economic	ADJ
fsr-3370	556	5	mood	mood	NOUN
fsr-3370	556	6	on	on	ADP
fsr-3370	556	7	investor	investor	NOUN
fsr-3370	556	8	risk	risk	NOUN
fsr-3370	556	9	tolerance	tolerance	NOUN
fsr-3370	556	10	-	-	PUNCT
fsr-3370	556	11	implications	implication	NOUN
fsr-3370	556	12	for	for	ADP
fsr-3370	556	13	financial	financial	ADJ
fsr-3370	556	14	planning	planning	NOUN
fsr-3370	556	15	.	.	PUNCT
fsr-3370	557	1	jassa,1	jassa,1	NOUN
fsr-3370	557	2	,	,	PUNCT
fsr-3370	557	3	35–42	35–42	NUM
fsr-3370	557	4	.	.	PUNCT
fsr-3370	557	5	spitzer	spitzer	PROPN
fsr-3370	557	6	,	,	PUNCT
fsr-3370	557	7	j.	j.	PROPN
fsr-3370	557	8	j.	j.	PROPN
fsr-3370	557	9	,	,	PUNCT
fsr-3370	557	10	&	&	CCONJ
fsr-3370	557	11	singh	singh	PROPN
fsr-3370	557	12	,	,	PUNCT
fsr-3370	557	13	s.	s.	PROPN
fsr-3370	557	14	(	(	PUNCT
fsr-3370	557	15	2008	2008	NUM
fsr-3370	557	16	)	)	PUNCT
fsr-3370	557	17	.	.	PUNCT
fsr-3370	558	1	shortfall	shortfall	NOUN
fsr-3370	558	2	risk	risk	NOUN
fsr-3370	558	3	of	of	ADP
fsr-3370	558	4	target	target	NOUN
fsr-3370	558	5	-	-	PUNCT
fsr-3370	558	6	date	date	NOUN
fsr-3370	558	7	funds	fund	NOUN
fsr-3370	558	8	during	during	ADP
fsr-3370	558	9	retirement	retirement	NOUN
fsr-3370	558	10	.	.	PUNCT
fsr-3370	559	1	financial	financial	ADJ
fsr-3370	559	2	services	services	PROPN
fsr-3370	559	3	review	review	PROPN
fsr-3370	559	4	,	,	PUNCT
fsr-3370	559	5	17	17	NUM
fsr-3370	559	6	,	,	PUNCT
fsr-3370	559	7	143	143	NUM
fsr-3370	559	8	.	.	PUNCT
fsr-3370	560	1	statman	statman	PROPN
fsr-3370	560	2	,	,	PUNCT
fsr-3370	560	3	m.	m.	NOUN
fsr-3370	560	4	(	(	PUNCT
fsr-3370	560	5	2008	2008	NUM
fsr-3370	560	6	)	)	PUNCT
fsr-3370	560	7	.	.	PUNCT
fsr-3370	561	1	countries	country	NOUN
fsr-3370	561	2	and	and	CCONJ
fsr-3370	561	3	culture	culture	NOUN
fsr-3370	561	4	in	in	ADP
fsr-3370	561	5	behavioral	behavioral	ADJ
fsr-3370	561	6	finance	finance	NOUN
fsr-3370	561	7	.	.	PUNCT
fsr-3370	562	1	paper	paper	NOUN
fsr-3370	562	2	presented	present	VERB
fsr-3370	562	3	at	at	ADP
fsr-3370	562	4	the	the	DET
fsr-3370	562	5	cfa	cfa	PROPN
fsr-3370	562	6	institute	institute	PROPN
fsr-3370	562	7	conference	conference	PROPN
fsr-3370	562	8	proceedings	proceeding	NOUN
fsr-3370	562	9	quarterly	quarterly	ADV
fsr-3370	562	10	.	.	PUNCT
fsr-3370	563	1	(	(	PUNCT
fsr-3370	563	2	available	available	ADJ
fsr-3370	563	3	at	at	ADP
fsr-3370	563	4	https://www.cfainstitute.org/learning/products/publications/	https://www.cfainstitute.org/learning/products/publications/	PROPN
fsr-3370	563	5	cp	cp	PROPN
fsr-3370	563	6	/	/	SYM
fsr-3370	563	7	pages	page	NOUN
fsr-3370	563	8	/	/	SYM
fsr-3370	563	9	cp.v25.n3.6.aspx	cp.v25.n3.6.aspx	PROPN
fsr-3370	563	10	)	)	PUNCT
fsr-3370	563	11	sung	sung	PROPN
fsr-3370	563	12	,	,	PUNCT
fsr-3370	563	13	j.	j.	PROPN
fsr-3370	563	14	,	,	PUNCT
fsr-3370	563	15	&	&	CCONJ
fsr-3370	563	16	hanna	hanna	PROPN
fsr-3370	563	17	,	,	PUNCT
fsr-3370	563	18	s.	s.	PROPN
fsr-3370	563	19	(	(	PUNCT
fsr-3370	563	20	1996	1996	NUM
fsr-3370	563	21	)	)	PUNCT
fsr-3370	563	22	.	.	PUNCT
fsr-3370	564	1	factors	factor	NOUN
fsr-3370	564	2	related	relate	VERB
fsr-3370	564	3	to	to	PART
fsr-3370	564	4	risk	risk	VERB
fsr-3370	564	5	tolerance	tolerance	NOUN
fsr-3370	564	6	.	.	PUNCT
fsr-3370	565	1	journal	journal	NOUN
fsr-3370	565	2	of	of	ADP
fsr-3370	565	3	financial	financial	ADJ
fsr-3370	565	4	counseling	counseling	NOUN
fsr-3370	565	5	and	and	CCONJ
fsr-3370	565	6	planning	planning	NOUN
fsr-3370	565	7	,	,	PUNCT
fsr-3370	565	8	7	7	NUM
fsr-3370	565	9	,	,	PUNCT
fsr-3370	565	10	11–19	11–19	NUM
fsr-3370	565	11	.	.	PUNCT
fsr-3370	566	1	tabachnick	tabachnick	PROPN
fsr-3370	566	2	,	,	PUNCT
fsr-3370	566	3	b.	b.	PROPN
fsr-3370	566	4	g.	g.	PROPN
fsr-3370	566	5	,	,	PUNCT
fsr-3370	566	6	fidell	fidell	PROPN
fsr-3370	566	7	,	,	PUNCT
fsr-3370	566	8	l.	l.	PROPN
fsr-3370	566	9	s.	s.	PROPN
fsr-3370	566	10	,	,	PUNCT
fsr-3370	566	11	&	&	CCONJ
fsr-3370	566	12	osterlind	osterlind	PROPN
fsr-3370	566	13	,	,	PUNCT
fsr-3370	566	14	s.	s.	PROPN
fsr-3370	566	15	j.	j.	PROPN
fsr-3370	566	16	(	(	PUNCT
fsr-3370	566	17	2007	2007	NUM
fsr-3370	566	18	)	)	PUNCT
fsr-3370	566	19	.	.	PUNCT
fsr-3370	567	1	using	use	VERB
fsr-3370	567	2	multivariate	multivariate	NOUN
fsr-3370	567	3	statistics	statistic	NOUN
fsr-3370	567	4	(	(	PUNCT
fsr-3370	567	5	6th	6th	ADJ
fsr-3370	567	6	ed	ed	NOUN
fsr-3370	567	7	.	.	PUNCT
fsr-3370	567	8	)	)	PUNCT
fsr-3370	567	9	.	.	PUNCT
fsr-3370	568	1	new	new	PROPN
fsr-3370	568	2	york	york	PROPN
fsr-3370	568	3	:	:	PUNCT
fsr-3370	569	1	pearson	pearson	PROPN
fsr-3370	569	2	.	.	PROPN
fsr-3370	570	1	tan	tan	PROPN
fsr-3370	570	2	,	,	PUNCT
fsr-3370	570	3	j.	j.	PROPN
fsr-3370	570	4	(	(	PUNCT
fsr-3370	570	5	2011	2011	NUM
fsr-3370	570	6	)	)	PUNCT
fsr-3370	570	7	.	.	PUNCT
fsr-3370	571	1	cross	cross	ADJ
fsr-3370	571	2	-	-	ADJ
fsr-3370	571	3	cultural	cultural	ADJ
fsr-3370	571	4	risk	risk	NOUN
fsr-3370	571	5	behavior	behavior	NOUN
fsr-3370	571	6	in	in	ADP
fsr-3370	571	7	financial	financial	ADJ
fsr-3370	571	8	decisions	decision	NOUN
fsr-3370	571	9	and	and	CCONJ
fsr-3370	571	10	the	the	DET
fsr-3370	571	11	cushion	cushion	NOUN
fsr-3370	571	12	hypothesis	hypothesis	NOUN
fsr-3370	571	13	.	.	PUNCT
fsr-3370	572	1	unpublished	unpublished	ADJ
fsr-3370	572	2	senior	senior	ADJ
fsr-3370	572	3	theses	thesis	NOUN
fsr-3370	572	4	,	,	PUNCT
fsr-3370	572	5	paper	paper	NOUN
fsr-3370	572	6	168	168	NUM
fsr-3370	572	7	,	,	PUNCT
fsr-3370	572	8	claremont	claremont	PROPN
fsr-3370	572	9	mckenna	mckenna	PROPN
fsr-3370	572	10	college	college	PROPN
fsr-3370	572	11	.	.	PUNCT
fsr-3370	573	1	(	(	PUNCT
fsr-3370	573	2	available	available	ADJ
fsr-3370	573	3	at	at	ADP
fsr-3370	573	4	http://scholarship.claremont.edu/cgi/	http://scholarship.claremont.edu/cgi/	PROPN
fsr-3370	573	5	viewcontent.cgi?article�1134&context�cmc_theses	viewcontent.cgi?article�1134&context�cmc_these	NOUN
fsr-3370	573	6	)	)	PUNCT
fsr-3370	573	7	vieider	vieider	NOUN
fsr-3370	573	8	,	,	PUNCT
fsr-3370	573	9	f.	f.	PROPN
fsr-3370	573	10	m.	m.	PROPN
fsr-3370	573	11	,	,	PUNCT
fsr-3370	573	12	chmura	chmura	NOUN
fsr-3370	573	13	,	,	PUNCT
fsr-3370	573	14	t.	t.	PROPN
fsr-3370	573	15	,	,	PUNCT
fsr-3370	573	16	&	&	CCONJ
fsr-3370	573	17	martinsson	martinsson	PROPN
fsr-3370	573	18	,	,	PUNCT
fsr-3370	573	19	p.	p.	NOUN
fsr-3370	573	20	(	(	PUNCT
fsr-3370	573	21	2012	2012	NUM
fsr-3370	573	22	)	)	PUNCT
fsr-3370	573	23	.	.	PUNCT
fsr-3370	574	1	risk	risk	NOUN
fsr-3370	574	2	attitudes	attitude	NOUN
fsr-3370	574	3	,	,	PUNCT
fsr-3370	574	4	development	development	NOUN
fsr-3370	574	5	,	,	PUNCT
fsr-3370	574	6	and	and	CCONJ
fsr-3370	574	7	growth	growth	NOUN
fsr-3370	574	8	:	:	PUNCT
fsr-3370	574	9	macroeconomic	macroeconomic	ADJ
fsr-3370	574	10	evidence	evidence	NOUN
fsr-3370	574	11	from	from	ADP
fsr-3370	574	12	experiments	experiment	NOUN
fsr-3370	574	13	in	in	ADP
fsr-3370	574	14	30	30	NUM
fsr-3370	574	15	countries	country	NOUN
fsr-3370	574	16	.	.	PUNCT
fsr-3370	575	1	wzb	wzb	PROPN
fsr-3370	575	2	discussion	discussion	NOUN
fsr-3370	575	3	paper	paper	NOUN
fsr-3370	575	4	.	.	PUNCT
fsr-3370	576	1	(	(	PUNCT
fsr-3370	576	2	available	available	ADJ
fsr-3370	576	3	at	at	ADP
fsr-3370	576	4	http://www.ferdinandvieider	http://www.ferdinandvieider	PROPN
fsr-3370	576	5	.	.	PUNCT
fsr-3370	576	6	com	com	PROPN
fsr-3370	576	7	/	/	SYM
fsr-3370	576	8	risk_development_growth.pdf	risk_development_growth.pdf	PROPN
fsr-3370	576	9	)	)	PUNCT
fsr-3370	576	10	wang	wang	PROPN
fsr-3370	576	11	,	,	PUNCT
fsr-3370	576	12	m.	m.	NOUN
fsr-3370	576	13	,	,	PUNCT
fsr-3370	576	14	&	&	CCONJ
fsr-3370	576	15	fischbeck	fischbeck	PROPN
fsr-3370	576	16	,	,	PUNCT
fsr-3370	576	17	p.	p.	PROPN
fsr-3370	576	18	s.	s.	PROPN
fsr-3370	576	19	(	(	PUNCT
fsr-3370	576	20	2004	2004	NUM
fsr-3370	576	21	)	)	PUNCT
fsr-3370	576	22	.	.	PUNCT
fsr-3370	577	1	incorporating	incorporate	VERB
fsr-3370	577	2	framing	frame	VERB
fsr-3370	577	3	into	into	ADP
fsr-3370	577	4	prospect	prospect	NOUN
fsr-3370	577	5	theory	theory	NOUN
fsr-3370	577	6	modeling	modeling	NOUN
fsr-3370	577	7	:	:	PUNCT
fsr-3370	577	8	a	a	DET
fsr-3370	577	9	mixture	mixture	NOUN
fsr-3370	577	10	-	-	PUNCT
fsr-3370	577	11	model	model	NOUN
fsr-3370	577	12	approach	approach	NOUN
fsr-3370	577	13	.	.	PUNCT
fsr-3370	578	1	journal	journal	NOUN
fsr-3370	578	2	of	of	ADP
fsr-3370	578	3	risk	risk	NOUN
fsr-3370	578	4	and	and	CCONJ
fsr-3370	578	5	uncertainty	uncertainty	NOUN
fsr-3370	578	6	,	,	PUNCT
fsr-3370	578	7	29	29	NUM
fsr-3370	578	8	,	,	PUNCT
fsr-3370	578	9	181–197	181–197	NUM
fsr-3370	578	10	.	.	PUNCT
fsr-3370	579	1	wang	wang	PROPN
fsr-3370	579	2	,	,	PUNCT
fsr-3370	579	3	h.	h.	PROPN
fsr-3370	579	4	,	,	PUNCT
fsr-3370	579	5	&	&	CCONJ
fsr-3370	579	6	hanna	hanna	PROPN
fsr-3370	579	7	,	,	PUNCT
fsr-3370	579	8	s.	s.	PROPN
fsr-3370	579	9	d.	d.	PROPN
fsr-3370	579	10	(	(	PUNCT
fsr-3370	579	11	1997	1997	NUM
fsr-3370	579	12	)	)	PUNCT
fsr-3370	579	13	.	.	PUNCT
fsr-3370	580	1	does	do	AUX
fsr-3370	580	2	risk	risk	VERB
fsr-3370	580	3	tolerance	tolerance	NOUN
fsr-3370	580	4	decrease	decrease	NOUN
fsr-3370	580	5	with	with	ADP
fsr-3370	580	6	age	age	NOUN
fsr-3370	580	7	?	?	PUNCT
fsr-3370	581	1	financial	financial	ADJ
fsr-3370	581	2	counseling	counseling	NOUN
fsr-3370	581	3	and	and	CCONJ
fsr-3370	581	4	planning	planning	NOUN
fsr-3370	581	5	,	,	PUNCT
fsr-3370	581	6	8	8	NUM
fsr-3370	581	7	,	,	PUNCT
fsr-3370	581	8	27–32	27–32	NUM
fsr-3370	581	9	.	.	PUNCT
fsr-3370	582	1	weber	weber	PROPN
fsr-3370	582	2	,	,	PUNCT
fsr-3370	582	3	e.	e.	PROPN
fsr-3370	582	4	u.	u.	PROPN
fsr-3370	582	5	,	,	PUNCT
fsr-3370	582	6	&	&	CCONJ
fsr-3370	582	7	hsee	hsee	PROPN
fsr-3370	582	8	,	,	PUNCT
fsr-3370	582	9	c.	c.	PROPN
fsr-3370	582	10	(	(	PUNCT
fsr-3370	582	11	1998	1998	NUM
fsr-3370	582	12	)	)	PUNCT
fsr-3370	582	13	.	.	PUNCT
fsr-3370	583	1	cross	cross	ADJ
fsr-3370	583	2	-	-	ADJ
fsr-3370	583	3	cultural	cultural	ADJ
fsr-3370	583	4	differences	difference	NOUN
fsr-3370	583	5	in	in	ADP
fsr-3370	583	6	risk	risk	NOUN
fsr-3370	583	7	perception	perception	NOUN
fsr-3370	583	8	,	,	PUNCT
fsr-3370	583	9	but	but	CCONJ
fsr-3370	583	10	cross	cross	ADJ
fsr-3370	583	11	-	-	ADJ
fsr-3370	583	12	cultural	cultural	ADJ
fsr-3370	583	13	similarities	similarity	NOUN
fsr-3370	583	14	in	in	ADP
fsr-3370	583	15	attitudes	attitude	NOUN
fsr-3370	583	16	towards	towards	ADP
fsr-3370	583	17	perceived	perceive	VERB
fsr-3370	583	18	risk	risk	NOUN
fsr-3370	583	19	.	.	PUNCT
fsr-3370	584	1	management	management	NOUN
fsr-3370	584	2	science	science	NOUN
fsr-3370	584	3	,	,	PUNCT
fsr-3370	584	4	44	44	NUM
fsr-3370	584	5	,	,	PUNCT
fsr-3370	584	6	1205–1217	1205–1217	NUM
fsr-3370	584	7	.	.	PUNCT
fsr-3370	585	1	west	west	PROPN
fsr-3370	585	2	,	,	PUNCT
fsr-3370	585	3	t.	t.	PROPN
fsr-3370	585	4	,	,	PUNCT
fsr-3370	585	5	&	&	CCONJ
fsr-3370	585	6	worthington	worthington	PROPN
fsr-3370	585	7	,	,	PUNCT
fsr-3370	585	8	a.	a.	PROPN
fsr-3370	585	9	c.	c.	PROPN
fsr-3370	585	10	(	(	PUNCT
fsr-3370	585	11	2014	2014	NUM
fsr-3370	585	12	)	)	PUNCT
fsr-3370	585	13	.	.	PUNCT
fsr-3370	586	1	macroeconomic	macroeconomic	ADJ
fsr-3370	586	2	conditions	condition	NOUN
fsr-3370	586	3	and	and	CCONJ
fsr-3370	586	4	australian	australian	ADJ
fsr-3370	586	5	financial	financial	ADJ
fsr-3370	586	6	risk	risk	NOUN
fsr-3370	586	7	attitudes	attitude	NOUN
fsr-3370	586	8	,	,	PUNCT
fsr-3370	586	9	2001–2010	2001–2010	NUM
fsr-3370	586	10	.	.	PUNCT
fsr-3370	586	11	journal	journal	PROPN
fsr-3370	586	12	of	of	ADP
fsr-3370	586	13	family	family	NOUN
fsr-3370	586	14	and	and	CCONJ
fsr-3370	586	15	economic	economic	ADJ
fsr-3370	586	16	issues	issue	NOUN
fsr-3370	586	17	,	,	PUNCT
fsr-3370	586	18	35	35	NUM
fsr-3370	586	19	,	,	PUNCT
fsr-3370	586	20	263–277	263–277	NUM
fsr-3370	586	21	.	.	PUNCT
fsr-3370	587	1	world	world	PROPN
fsr-3370	587	2	bank	bank	PROPN
fsr-3370	587	3	.	.	PUNCT
fsr-3370	588	1	(	(	PUNCT
fsr-3370	588	2	n.d	n.d	PROPN
fsr-3370	588	3	.	.	PROPN
fsr-3370	588	4	)	)	PUNCT
fsr-3370	588	5	.	.	PUNCT
fsr-3370	589	1	global	global	ADJ
fsr-3370	589	2	economic	economic	ADJ
fsr-3370	589	3	monitor	monitor	NOUN
fsr-3370	589	4	commodities	commodity	NOUN
fsr-3370	589	5	.	.	PUNCT
fsr-3370	590	1	(	(	PUNCT
fsr-3370	590	2	available	available	ADJ
fsr-3370	590	3	at	at	ADP
fsr-3370	590	4	http://databank.worldbank.org/data/	http://databank.worldbank.org/data/	PROPN
fsr-3370	590	5	reports.aspx?source�global-economic-monitor-commodities	reports.aspx?source�global-economic-monitor-commodities	PROPN
fsr-3370	590	6	)	)	PUNCT
fsr-3370	590	7	xiao	xiao	PROPN
fsr-3370	590	8	,	,	PUNCT
fsr-3370	590	9	j.	j.	PROPN
fsr-3370	590	10	j.	j.	PROPN
fsr-3370	590	11	(	(	PUNCT
fsr-3370	590	12	2008	2008	NUM
fsr-3370	590	13	)	)	PUNCT
fsr-3370	590	14	.	.	PUNCT
fsr-3370	591	1	applying	apply	VERB
fsr-3370	591	2	behavior	behavior	NOUN
fsr-3370	591	3	theories	theory	NOUN
fsr-3370	591	4	to	to	ADP
fsr-3370	591	5	financial	financial	ADJ
fsr-3370	591	6	behavior	behavior	NOUN
fsr-3370	591	7	.	.	PUNCT
fsr-3370	592	1	in	in	ADP
fsr-3370	592	2	j.	j.	PROPN
fsr-3370	592	3	j.	j.	PROPN
fsr-3370	592	4	xiao	xiao	PROPN
fsr-3370	592	5	(	(	PUNCT
fsr-3370	592	6	ed	ed	NOUN
fsr-3370	592	7	.	.	PUNCT
fsr-3370	592	8	)	)	PUNCT
fsr-3370	592	9	,	,	PUNCT
fsr-3370	592	10	handbook	handbook	NOUN
fsr-3370	592	11	of	of	ADP
fsr-3370	592	12	consumer	consumer	NOUN
fsr-3370	592	13	finance	finance	NOUN
fsr-3370	592	14	research	research	NOUN
fsr-3370	592	15	(	(	PUNCT
fsr-3370	592	16	pp	pp	ADJ
fsr-3370	592	17	.	.	PUNCT
fsr-3370	592	18	69–81	69–81	NUM
fsr-3370	592	19	)	)	PUNCT
fsr-3370	592	20	.	.	PUNCT
fsr-3370	593	1	new	new	PROPN
fsr-3370	593	2	york	york	PROPN
fsr-3370	593	3	,	,	PUNCT
fsr-3370	593	4	ny	ny	PROPN
fsr-3370	593	5	:	:	PUNCT
fsr-3370	593	6	springer	springer	NOUN
fsr-3370	593	7	.	.	PUNCT
fsr-3370	594	1	yang	yang	PROPN
fsr-3370	594	2	,	,	PUNCT
fsr-3370	594	3	y.	y.	PROPN
fsr-3370	594	4	(	(	PUNCT
fsr-3370	594	5	2004	2004	NUM
fsr-3370	594	6	)	)	PUNCT
fsr-3370	594	7	.	.	PUNCT
fsr-3370	595	1	characteristics	characteristic	NOUN
fsr-3370	595	2	of	of	ADP
fsr-3370	595	3	risk	risk	NOUN
fsr-3370	595	4	preferences	preference	NOUN
fsr-3370	595	5	:	:	PUNCT
fsr-3370	595	6	revelations	revelation	NOUN
fsr-3370	595	7	from	from	ADP
fsr-3370	595	8	grable	grable	PROPN
fsr-3370	595	9	&	&	CCONJ
fsr-3370	595	10	lytton	lytton	PROPN
fsr-3370	595	11	’s	’s	PART
fsr-3370	595	12	13	13	NUM
fsr-3370	595	13	-	-	PUNCT
fsr-3370	595	14	items	item	NOUN
fsr-3370	595	15	questionnaire	questionnaire	NOUN
fsr-3370	595	16	.	.	PUNCT
fsr-3370	596	1	journal	journal	NOUN
fsr-3370	596	2	of	of	ADP
fsr-3370	596	3	personal	personal	ADJ
fsr-3370	596	4	finance	finance	NOUN
fsr-3370	596	5	,	,	PUNCT
fsr-3370	596	6	3	3	NUM
fsr-3370	596	7	,	,	PUNCT
fsr-3370	596	8	20–40	20–40	NUM
fsr-3370	596	9	.	.	PUNCT
fsr-3370	597	1	yao	yao	PROPN
fsr-3370	597	2	,	,	PUNCT
fsr-3370	597	3	r.	r.	PROPN
fsr-3370	597	4	,	,	PUNCT
fsr-3370	597	5	hanna	hanna	PROPN
fsr-3370	597	6	,	,	PUNCT
fsr-3370	597	7	s.	s.	PROPN
fsr-3370	597	8	d.	d.	PROPN
fsr-3370	597	9	,	,	PUNCT
fsr-3370	597	10	&	&	CCONJ
fsr-3370	597	11	lindamood	lindamood	PROPN
fsr-3370	597	12	,	,	PUNCT
fsr-3370	597	13	s.	s.	PROPN
fsr-3370	597	14	(	(	PUNCT
fsr-3370	597	15	2004	2004	NUM
fsr-3370	597	16	)	)	PUNCT
fsr-3370	597	17	.	.	PUNCT
fsr-3370	598	1	changes	change	NOUN
fsr-3370	598	2	in	in	ADP
fsr-3370	598	3	financial	financial	ADJ
fsr-3370	598	4	risk	risk	NOUN
fsr-3370	598	5	tolerance	tolerance	NOUN
fsr-3370	598	6	,	,	PUNCT
fsr-3370	598	7	1983–2001	1983–2001	NUM
fsr-3370	598	8	.	.	PUNCT
fsr-3370	598	9	financial	financial	ADJ
fsr-3370	598	10	services	service	NOUN
fsr-3370	598	11	review	review	PROPN
fsr-3370	598	12	,	,	PUNCT
fsr-3370	598	13	13	13	NUM
fsr-3370	598	14	,	,	PUNCT
fsr-3370	598	15	249–266	249–266	NUM
fsr-3370	598	16	.	.	PUNCT
fsr-3370	599	1	yook	yook	NOUN
fsr-3370	599	2	,	,	PUNCT
fsr-3370	599	3	k.	k.	PROPN
fsr-3370	599	4	c.	c.	PROPN
fsr-3370	599	5	,	,	PUNCT
fsr-3370	599	6	&	&	CCONJ
fsr-3370	599	7	everett	everett	PROPN
fsr-3370	599	8	,	,	PUNCT
fsr-3370	599	9	r.	r.	PROPN
fsr-3370	599	10	(	(	PUNCT
fsr-3370	599	11	2003	2003	NUM
fsr-3370	599	12	)	)	PUNCT
fsr-3370	599	13	.	.	PUNCT
fsr-3370	600	1	assessing	assess	VERB
fsr-3370	600	2	risk	risk	NOUN
fsr-3370	600	3	tolerance	tolerance	NOUN
fsr-3370	600	4	:	:	PUNCT
fsr-3370	600	5	questioning	question	VERB
fsr-3370	600	6	the	the	DET
fsr-3370	600	7	questionnaire	questionnaire	NOUN
fsr-3370	600	8	method	method	NOUN
fsr-3370	600	9	.	.	PUNCT
fsr-3370	601	1	journal	journal	NOUN
fsr-3370	601	2	of	of	ADP
fsr-3370	601	3	financial	financial	ADJ
fsr-3370	601	4	planning	planning	NOUN
fsr-3370	601	5	,	,	PUNCT
fsr-3370	601	6	16	16	NUM
fsr-3370	601	7	,	,	PUNCT
fsr-3370	601	8	48–55	48–55	NUM
fsr-3370	601	9	.	.	PUNCT
fsr-3370	602	1	zeisberger	zeisberger	NOUN
fsr-3370	602	2	,	,	PUNCT
fsr-3370	602	3	s.	s.	PROPN
fsr-3370	602	4	,	,	PUNCT
fsr-3370	602	5	vrecko	vrecko	PROPN
fsr-3370	602	6	,	,	PUNCT
fsr-3370	602	7	d.	d.	PROPN
fsr-3370	602	8	,	,	PUNCT
fsr-3370	602	9	&	&	CCONJ
fsr-3370	602	10	langer	langer	NOUN
fsr-3370	602	11	,	,	PUNCT
fsr-3370	602	12	t.	t.	PROPN
fsr-3370	602	13	(	(	PUNCT
fsr-3370	602	14	2010	2010	NUM
fsr-3370	602	15	)	)	PUNCT
fsr-3370	602	16	.	.	PUNCT
fsr-3370	603	1	measuring	measure	VERB
fsr-3370	603	2	the	the	DET
fsr-3370	603	3	time	time	NOUN
fsr-3370	603	4	stability	stability	NOUN
fsr-3370	603	5	of	of	ADP
fsr-3370	603	6	prospect	prospect	NOUN
fsr-3370	603	7	theory	theory	NOUN
fsr-3370	603	8	preferences	preference	NOUN
fsr-3370	603	9	.	.	PUNCT
fsr-3370	604	1	theory	theory	NOUN
fsr-3370	604	2	and	and	CCONJ
fsr-3370	604	3	decision	decision	NOUN
fsr-3370	604	4	,	,	PUNCT
fsr-3370	604	5	72	72	NUM
fsr-3370	604	6	,	,	PUNCT
fsr-3370	604	7	359–386	359–386	NUM
fsr-3370	604	8	.	.	NOUN
fsr-3370	604	9	338	338	NUM
fsr-3370	604	10	s.	s.	PROPN
fsr-3370	604	11	kuzniak	kuzniak	PROPN
fsr-3370	604	12	,	,	PUNCT
fsr-3370	604	13	j.e	j.e	PROPN
fsr-3370	604	14	.	.	PROPN
fsr-3370	604	15	grable	grable	PROPN
fsr-3370	604	16	/	/	SYM
fsr-3370	604	17	financial	financial	ADJ
fsr-3370	604	18	services	service	NOUN
fsr-3370	604	19	review	review	VERB
fsr-3370	604	20	26	26	NUM
fsr-3370	604	21	(	(	PUNCT
fsr-3370	604	22	2017	2017	NUM
fsr-3370	604	23	)	)	PUNCT
fsr-3370	604	24	315–338	315–338	NUM