id	sid	tid	token	lemma	pos
fsr-3374	1	1	who	who	PRON
fsr-3374	1	2	seeks	seek	VERB
fsr-3374	1	3	financial	financial	ADJ
fsr-3374	1	4	advice	advice	NOUN
fsr-3374	1	5	?	?	PUNCT
fsr-3374	2	1	maher	maher	PROPN
fsr-3374	2	2	h.	h.	PROPN
fsr-3374	2	3	alyousifa	alyousifa	PROPN
fsr-3374	2	4	,	,	PUNCT
fsr-3374	2	5	*	*	PUNCT
fsr-3374	2	6	,	,	PUNCT
fsr-3374	2	7	charlene	charlene	PROPN
fsr-3374	2	8	m.	m.	PROPN
fsr-3374	2	9	kalenkoskib	kalenkoskib	PROPN
fsr-3374	2	10	atexas	atexas	PROPN
fsr-3374	2	11	tech	tech	PROPN
fsr-3374	2	12	university	university	PROPN
fsr-3374	2	13	,	,	PUNCT
fsr-3374	2	14	5301	5301	NUM
fsr-3374	2	15	chicago	chicago	PROPN
fsr-3374	2	16	avenue	avenue	PROPN
fsr-3374	2	17	apt	apt	ADJ
fsr-3374	2	18	6103	6103	NUM
fsr-3374	2	19	,	,	PUNCT
fsr-3374	2	20	lubbock	lubbock	PROPN
fsr-3374	2	21	,	,	PUNCT
fsr-3374	2	22	tx	tx	PROPN
fsr-3374	2	23	79414	79414	NUM
fsr-3374	2	24	,	,	PUNCT
fsr-3374	2	25	usa	usa	PROPN
fsr-3374	2	26	bprogram	bprogram	PROPN
fsr-3374	2	27	,	,	PUNCT
fsr-3374	2	28	texas	texas	PROPN
fsr-3374	2	29	tech	tech	PROPN
fsr-3374	2	30	university	university	PROPN
fsr-3374	2	31	,	,	PUNCT
fsr-3374	2	32	1301	1301	NUM
fsr-3374	2	33	akron	akron	PROPN
fsr-3374	2	34	avenue	avenue	PROPN
fsr-3374	2	35	,	,	PUNCT
fsr-3374	2	36	lubbock	lubbock	PROPN
fsr-3374	2	37	,	,	PUNCT
fsr-3374	2	38	box	box	PROPN
fsr-3374	2	39	41210	41210	NUM
fsr-3374	2	40	,	,	PUNCT
fsr-3374	2	41	lubbock	lubbock	PROPN
fsr-3374	2	42	,	,	PUNCT
fsr-3374	2	43	tx	tx	PROPN
fsr-3374	2	44	79409	79409	NUM
fsr-3374	2	45	-	-	SYM
fsr-3374	2	46	1210	1210	NUM
fsr-3374	2	47	,	,	PUNCT
fsr-3374	2	48	usa	usa	PROPN
fsr-3374	2	49	abstract	abstract	NOUN
fsr-3374	2	50	the	the	DET
fsr-3374	2	51	determinants	determinant	NOUN
fsr-3374	2	52	of	of	ADP
fsr-3374	2	53	seeking	seek	VERB
fsr-3374	2	54	five	five	NUM
fsr-3374	2	55	types	type	NOUN
fsr-3374	2	56	of	of	ADP
fsr-3374	2	57	financial	financial	ADJ
fsr-3374	2	58	advice	advice	NOUN
fsr-3374	2	59	are	be	AUX
fsr-3374	2	60	examined	examine	VERB
fsr-3374	2	61	and	and	CCONJ
fsr-3374	2	62	are	be	AUX
fsr-3374	2	63	found	find	VERB
fsr-3374	2	64	to	to	PART
fsr-3374	2	65	be	be	AUX
fsr-3374	2	66	consistent	consistent	ADJ
fsr-3374	2	67	across	across	ADP
fsr-3374	2	68	the	the	DET
fsr-3374	2	69	different	different	ADJ
fsr-3374	2	70	types	type	NOUN
fsr-3374	2	71	of	of	ADP
fsr-3374	2	72	advice	advice	NOUN
fsr-3374	2	73	.	.	PUNCT
fsr-3374	3	1	in	in	ADP
fsr-3374	3	2	addition	addition	NOUN
fsr-3374	3	3	,	,	PUNCT
fsr-3374	3	4	no	no	DET
fsr-3374	3	5	significant	significant	ADJ
fsr-3374	3	6	differences	difference	NOUN
fsr-3374	3	7	are	be	AUX
fsr-3374	3	8	found	find	VERB
fsr-3374	3	9	among	among	ADP
fsr-3374	3	10	subsamples	subsample	NOUN
fsr-3374	3	11	defined	define	VERB
fsr-3374	3	12	by	by	ADP
fsr-3374	3	13	gender	gender	NOUN
fsr-3374	3	14	,	,	PUNCT
fsr-3374	3	15	age	age	NOUN
fsr-3374	3	16	,	,	PUNCT
fsr-3374	3	17	and	and	CCONJ
fsr-3374	3	18	financial	financial	ADJ
fsr-3374	3	19	literacy	literacy	NOUN
fsr-3374	3	20	.	.	PUNCT
fsr-3374	4	1	income	income	NOUN
fsr-3374	4	2	and	and	CCONJ
fsr-3374	4	3	risk	risk	NOUN
fsr-3374	4	4	tolerance	tolerance	NOUN
fsr-3374	4	5	are	be	AUX
fsr-3374	4	6	related	relate	VERB
fsr-3374	4	7	positively	positively	ADV
fsr-3374	4	8	to	to	ADP
fsr-3374	4	9	the	the	DET
fsr-3374	4	10	demand	demand	NOUN
fsr-3374	4	11	for	for	ADP
fsr-3374	4	12	financial	financial	ADJ
fsr-3374	4	13	advice	advice	NOUN
fsr-3374	4	14	and	and	CCONJ
fsr-3374	4	15	more	more	ADV
fsr-3374	4	16	greatly	greatly	ADV
fsr-3374	4	17	affect	affect	VERB
fsr-3374	4	18	the	the	DET
fsr-3374	4	19	probability	probability	NOUN
fsr-3374	4	20	of	of	ADP
fsr-3374	4	21	seeking	seek	VERB
fsr-3374	4	22	advice	advice	NOUN
fsr-3374	4	23	than	than	SCONJ
fsr-3374	4	24	do	do	VERB
fsr-3374	4	25	other	other	ADJ
fsr-3374	4	26	variables	variable	NOUN
fsr-3374	4	27	.	.	PUNCT
fsr-3374	5	1	a	a	DET
fsr-3374	5	2	low	low	ADJ
fsr-3374	5	3	perception	perception	NOUN
fsr-3374	5	4	of	of	ADP
fsr-3374	5	5	financial	financial	ADJ
fsr-3374	5	6	knowledge	knowledge	NOUN
fsr-3374	5	7	,	,	PUNCT
fsr-3374	5	8	which	which	PRON
fsr-3374	5	9	can	can	AUX
fsr-3374	5	10	be	be	AUX
fsr-3374	5	11	a	a	DET
fsr-3374	5	12	proxy	proxy	NOUN
fsr-3374	5	13	for	for	ADP
fsr-3374	5	14	self	self	NOUN
fsr-3374	5	15	-	-	PUNCT
fsr-3374	5	16	confidence	confidence	NOUN
fsr-3374	5	17	,	,	PUNCT
fsr-3374	5	18	and	and	CCONJ
fsr-3374	5	19	financial	financial	ADJ
fsr-3374	5	20	fragility	fragility	NOUN
fsr-3374	5	21	decrease	decrease	VERB
fsr-3374	5	22	the	the	DET
fsr-3374	5	23	probability	probability	NOUN
fsr-3374	5	24	of	of	ADP
fsr-3374	5	25	seeking	seek	VERB
fsr-3374	5	26	financial	financial	ADJ
fsr-3374	5	27	advice	advice	NOUN
fsr-3374	5	28	.	.	PUNCT
fsr-3374	6	1	©	©	PROPN
fsr-3374	6	2	2017	2017	NUM
fsr-3374	6	3	academy	academy	NOUN
fsr-3374	6	4	of	of	ADP
fsr-3374	6	5	financial	financial	ADJ
fsr-3374	6	6	services	service	NOUN
fsr-3374	6	7	.	.	PUNCT
fsr-3374	7	1	all	all	DET
fsr-3374	7	2	rights	right	NOUN
fsr-3374	7	3	reserved	reserve	VERB
fsr-3374	7	4	.	.	PUNCT
fsr-3374	8	1	jel	jel	PROPN
fsr-3374	8	2	classification	classification	NOUN
fsr-3374	8	3	:	:	PUNCT
fsr-3374	8	4	d14	d14	ADJ
fsr-3374	8	5	;	;	PUNCT
fsr-3374	8	6	g20	g20	NOUN
fsr-3374	8	7	keywords	keyword	NOUN
fsr-3374	8	8	:	:	PUNCT
fsr-3374	8	9	financial	financial	ADJ
fsr-3374	8	10	advice	advice	NOUN
fsr-3374	8	11	;	;	PUNCT
fsr-3374	8	12	risk	risk	NOUN
fsr-3374	8	13	tolerance	tolerance	NOUN
fsr-3374	8	14	;	;	PUNCT
fsr-3374	8	15	financial	financial	ADJ
fsr-3374	8	16	knowledge	knowledge	NOUN
fsr-3374	8	17	;	;	PUNCT
fsr-3374	8	18	financial	financial	ADJ
fsr-3374	8	19	literacy	literacy	NOUN
fsr-3374	8	20	;	;	PUNCT
fsr-3374	8	21	financial	financial	ADJ
fsr-3374	8	22	fragility	fragility	NOUN
fsr-3374	8	23	1	1	NUM
fsr-3374	8	24	.	.	PUNCT
fsr-3374	8	25	introduction	introduction	NOUN
fsr-3374	8	26	the	the	DET
fsr-3374	8	27	demand	demand	NOUN
fsr-3374	8	28	for	for	ADP
fsr-3374	8	29	professional	professional	ADJ
fsr-3374	8	30	financial	financial	ADJ
fsr-3374	8	31	advice	advice	NOUN
fsr-3374	8	32	by	by	ADP
fsr-3374	8	33	the	the	DET
fsr-3374	8	34	u.s	u.s	PROPN
fsr-3374	8	35	.	.	PROPN
fsr-3374	8	36	population	population	NOUN
fsr-3374	8	37	is	be	AUX
fsr-3374	8	38	estimated	estimate	VERB
fsr-3374	8	39	to	to	PART
fsr-3374	8	40	be	be	AUX
fsr-3374	8	41	within	within	ADP
fsr-3374	8	42	the	the	DET
fsr-3374	8	43	range	range	NOUN
fsr-3374	8	44	of	of	ADP
fsr-3374	8	45	25–33	25–33	NUM
fsr-3374	8	46	%	%	NOUN
fsr-3374	8	47	(	(	PUNCT
fsr-3374	8	48	collins	collin	NOUN
fsr-3374	8	49	,	,	PUNCT
fsr-3374	8	50	2012	2012	NUM
fsr-3374	8	51	)	)	PUNCT
fsr-3374	8	52	despite	despite	SCONJ
fsr-3374	8	53	the	the	DET
fsr-3374	8	54	fact	fact	NOUN
fsr-3374	8	55	that	that	SCONJ
fsr-3374	8	56	many	many	ADJ
fsr-3374	8	57	american	american	ADJ
fsr-3374	8	58	households	household	NOUN
fsr-3374	8	59	are	be	AUX
fsr-3374	8	60	experiencing	experience	VERB
fsr-3374	8	61	financial	financial	ADJ
fsr-3374	8	62	difficulty	difficulty	NOUN
fsr-3374	8	63	(	(	PUNCT
fsr-3374	8	64	brooks	brooks	PROPN
fsr-3374	8	65	,	,	PUNCT
fsr-3374	8	66	wiedrich	wiedrich	NOUN
fsr-3374	8	67	,	,	PUNCT
fsr-3374	8	68	sims	sim	NOUN
fsr-3374	8	69	,	,	PUNCT
fsr-3374	8	70	and	and	CCONJ
fsr-3374	8	71	rice	rice	NOUN
fsr-3374	8	72	,	,	PUNCT
fsr-3374	8	73	2015	2015	NUM
fsr-3374	8	74	)	)	PUNCT
fsr-3374	8	75	.	.	PUNCT
fsr-3374	9	1	according	accord	VERB
fsr-3374	9	2	to	to	ADP
fsr-3374	9	3	a	a	DET
fsr-3374	9	4	liquid	liquid	ADJ
fsr-3374	9	5	asset	asset	NOUN
fsr-3374	9	6	poverty	poverty	NOUN
fsr-3374	9	7	measure	measure	NOUN
fsr-3374	9	8	by	by	ADP
fsr-3374	9	9	assets	asset	NOUN
fsr-3374	9	10	and	and	CCONJ
fsr-3374	9	11	opportunities	opportunity	NOUN
fsr-3374	9	12	scorecard,1	scorecard,1	VERB
fsr-3374	9	13	for	for	ADP
fsr-3374	9	14	example	example	NOUN
fsr-3374	9	15	,	,	PUNCT
fsr-3374	9	16	44	44	NUM
fsr-3374	9	17	%	%	NOUN
fsr-3374	9	18	of	of	ADP
fsr-3374	9	19	u.s	u.s	PROPN
fsr-3374	9	20	.	.	PROPN
fsr-3374	9	21	households	household	NOUN
fsr-3374	9	22	have	have	VERB
fsr-3374	9	23	less	less	ADJ
fsr-3374	9	24	than	than	ADP
fsr-3374	9	25	three	three	NUM
fsr-3374	9	26	months	month	NOUN
fsr-3374	9	27	of	of	ADP
fsr-3374	9	28	savings	saving	NOUN
fsr-3374	9	29	.	.	PUNCT
fsr-3374	10	1	moreover	moreover	ADV
fsr-3374	10	2	,	,	PUNCT
fsr-3374	10	3	55	55	NUM
fsr-3374	10	4	%	%	NOUN
fsr-3374	10	5	of	of	ADP
fsr-3374	10	6	consumers	consumer	NOUN
fsr-3374	10	7	have	have	VERB
fsr-3374	10	8	credit	credit	NOUN
fsr-3374	10	9	scores	score	NOUN
fsr-3374	10	10	that	that	PRON
fsr-3374	10	11	make	make	VERB
fsr-3374	10	12	reasonably	reasonably	ADV
fsr-3374	10	13	priced	priced	ADJ
fsr-3374	10	14	loans	loan	NOUN
fsr-3374	10	15	unattainable	unattainable	ADJ
fsr-3374	10	16	(	(	PUNCT
fsr-3374	10	17	brooks	brooks	PROPN
fsr-3374	10	18	et	et	PROPN
fsr-3374	10	19	al	al	PROPN
fsr-3374	10	20	.	.	PROPN
fsr-3374	10	21	,	,	PUNCT
fsr-3374	10	22	2015	2015	NUM
fsr-3374	10	23	)	)	PUNCT
fsr-3374	10	24	,	,	PUNCT
fsr-3374	10	25	and	and	CCONJ
fsr-3374	10	26	only	only	ADV
fsr-3374	10	27	22	22	NUM
fsr-3374	10	28	%	%	NOUN
fsr-3374	10	29	of	of	ADP
fsr-3374	10	30	workers	worker	NOUN
fsr-3374	10	31	are	be	AUX
fsr-3374	10	32	very	very	ADV
fsr-3374	10	33	confident	confident	ADJ
fsr-3374	10	34	about	about	ADP
fsr-3374	10	35	having	have	VERB
fsr-3374	10	36	enough	enough	ADJ
fsr-3374	10	37	money	money	NOUN
fsr-3374	10	38	to	to	PART
fsr-3374	10	39	live	live	VERB
fsr-3374	10	40	comfortably	comfortably	ADV
fsr-3374	10	41	during	during	ADP
fsr-3374	10	42	retirement	retirement	NOUN
fsr-3374	10	43	(	(	PUNCT
fsr-3374	10	44	vanderhei	vanderhei	PROPN
fsr-3374	10	45	and	and	CCONJ
fsr-3374	10	46	copeland	copeland	PROPN
fsr-3374	10	47	,	,	PUNCT
fsr-3374	10	48	2015	2015	NUM
fsr-3374	10	49	)	)	PUNCT
fsr-3374	10	50	.	.	PUNCT
fsr-3374	11	1	understanding	understand	VERB
fsr-3374	11	2	the	the	DET
fsr-3374	11	3	correlates	correlate	NOUN
fsr-3374	11	4	of	of	ADP
fsr-3374	11	5	financial	financial	ADJ
fsr-3374	11	6	*	*	PUNCT
fsr-3374	11	7	corresponding	correspond	VERB
fsr-3374	11	8	author	author	NOUN
fsr-3374	11	9	.	.	PUNCT
fsr-3374	12	1	tel	tel	PROPN
fsr-3374	12	2	.	.	PUNCT
fsr-3374	12	3	:	:	PUNCT
fsr-3374	13	1	�	�	PROPN
fsr-3374	13	2	966	966	NUM
fsr-3374	13	3	-	-	SYM
fsr-3374	13	4	55	55	NUM
fsr-3374	13	5	-	-	NUM
fsr-3374	13	6	622	622	NUM
fsr-3374	13	7	-	-	PUNCT
fsr-3374	13	8	6786	6786	NUM
fsr-3374	13	9	;	;	PUNCT
fsr-3374	13	10	fax	fax	NOUN
fsr-3374	13	11	:	:	PUNCT
fsr-3374	13	12	�	�	PROPN
fsr-3374	13	13	966	966	NUM
fsr-3374	13	14	-	-	SYM
fsr-3374	13	15	13	13	NUM
fsr-3374	13	16	-	-	PUNCT
fsr-3374	13	17	664	664	NUM
fsr-3374	13	18	-	-	PUNCT
fsr-3374	13	19	0602	0602	NUM
fsr-3374	13	20	.	.	PUNCT
fsr-3374	14	1	e	e	X
fsr-3374	14	2	-	-	NOUN
fsr-3374	14	3	mail	mail	NOUN
fsr-3374	14	4	address	address	NOUN
fsr-3374	14	5	:	:	PUNCT
fsr-3374	14	6	maheryousif@hotmail.com	maheryousif@hotmail.com	X
fsr-3374	14	7	(	(	PUNCT
fsr-3374	14	8	m.h	m.h	PROPN
fsr-3374	14	9	.	.	PROPN
fsr-3374	14	10	alyousif	alyousif	PROPN
fsr-3374	14	11	)	)	PUNCT
fsr-3374	14	12	financial	financial	ADJ
fsr-3374	14	13	services	service	NOUN
fsr-3374	14	14	review	review	VERB
fsr-3374	14	15	26	26	NUM
fsr-3374	14	16	(	(	PUNCT
fsr-3374	14	17	2017	2017	NUM
fsr-3374	14	18	)	)	PUNCT
fsr-3374	15	1	405–432	405–432	NUM
fsr-3374	15	2	1057	1057	NUM
fsr-3374	15	3	-	-	SYM
fsr-3374	15	4	0810/17/$	0810/17/$	NUM
fsr-3374	15	5	–	–	PUNCT
fsr-3374	15	6	see	see	VERB
fsr-3374	15	7	front	front	ADJ
fsr-3374	15	8	matter	matter	NOUN
fsr-3374	15	9	©	©	PROPN
fsr-3374	15	10	2017	2017	NUM
fsr-3374	15	11	academy	academy	NOUN
fsr-3374	15	12	of	of	ADP
fsr-3374	15	13	financial	financial	ADJ
fsr-3374	15	14	services	service	NOUN
fsr-3374	15	15	.	.	PUNCT
fsr-3374	16	1	all	all	DET
fsr-3374	16	2	rights	right	NOUN
fsr-3374	16	3	reserved	reserve	VERB
fsr-3374	16	4	.	.	PUNCT
fsr-3374	17	1	advice	advice	NOUN
fsr-3374	17	2	-	-	PUNCT
fsr-3374	17	3	seeking	seek	VERB
fsr-3374	17	4	behavior	behavior	NOUN
fsr-3374	17	5	helps	help	VERB
fsr-3374	17	6	to	to	PART
fsr-3374	17	7	explain	explain	VERB
fsr-3374	17	8	the	the	DET
fsr-3374	17	9	coexistence	coexistence	NOUN
fsr-3374	17	10	of	of	ADP
fsr-3374	17	11	reported	report	VERB
fsr-3374	17	12	low	low	ADJ
fsr-3374	17	13	financial	financial	ADJ
fsr-3374	17	14	satisfaction	satisfaction	NOUN
fsr-3374	17	15	and	and	CCONJ
fsr-3374	17	16	measured	measure	VERB
fsr-3374	17	17	low	low	ADJ
fsr-3374	17	18	demand	demand	NOUN
fsr-3374	17	19	for	for	ADP
fsr-3374	17	20	financial	financial	ADJ
fsr-3374	17	21	advice	advice	NOUN
fsr-3374	17	22	among	among	ADP
fsr-3374	17	23	american	american	ADJ
fsr-3374	17	24	households	household	NOUN
fsr-3374	17	25	.	.	PUNCT
fsr-3374	18	1	investors	investor	NOUN
fsr-3374	18	2	who	who	PRON
fsr-3374	18	3	rely	rely	VERB
fsr-3374	18	4	on	on	ADP
fsr-3374	18	5	their	their	PRON
fsr-3374	18	6	own	own	ADJ
fsr-3374	18	7	understanding	understanding	NOUN
fsr-3374	18	8	often	often	ADV
fsr-3374	18	9	make	make	VERB
fsr-3374	18	10	poor	poor	ADJ
fsr-3374	18	11	financial	financial	ADJ
fsr-3374	18	12	decisions	decision	NOUN
fsr-3374	18	13	because	because	SCONJ
fsr-3374	18	14	of	of	ADP
fsr-3374	18	15	a	a	DET
fsr-3374	18	16	lack	lack	NOUN
fsr-3374	18	17	of	of	ADP
fsr-3374	18	18	knowledge	knowledge	NOUN
fsr-3374	18	19	,	,	PUNCT
fsr-3374	18	20	information	information	NOUN
fsr-3374	18	21	costs	cost	NOUN
fsr-3374	18	22	,	,	PUNCT
fsr-3374	18	23	and	and	CCONJ
fsr-3374	18	24	behavioral	behavioral	ADJ
fsr-3374	18	25	biases	bias	NOUN
fsr-3374	18	26	(	(	PUNCT
fsr-3374	18	27	fischer	fischer	NOUN
fsr-3374	18	28	and	and	CCONJ
fsr-3374	18	29	gerhardt	gerhardt	PROPN
fsr-3374	18	30	,	,	PUNCT
fsr-3374	18	31	2007	2007	NUM
fsr-3374	18	32	)	)	PUNCT
fsr-3374	18	33	.	.	PUNCT
fsr-3374	19	1	these	these	DET
fsr-3374	19	2	challenges	challenge	NOUN
fsr-3374	19	3	warrant	warrant	VERB
fsr-3374	19	4	the	the	DET
fsr-3374	19	5	use	use	NOUN
fsr-3374	19	6	of	of	ADP
fsr-3374	19	7	professional	professional	ADJ
fsr-3374	19	8	advisers	adviser	NOUN
fsr-3374	19	9	,	,	PUNCT
fsr-3374	19	10	who	who	PRON
fsr-3374	19	11	serve	serve	VERB
fsr-3374	19	12	different	different	ADJ
fsr-3374	19	13	purposes	purpose	NOUN
fsr-3374	19	14	,	,	PUNCT
fsr-3374	19	15	deal	deal	VERB
fsr-3374	19	16	with	with	ADP
fsr-3374	19	17	various	various	ADJ
fsr-3374	19	18	products	product	NOUN
fsr-3374	19	19	,	,	PUNCT
fsr-3374	19	20	and	and	CCONJ
fsr-3374	19	21	can	can	AUX
fsr-3374	19	22	help	help	VERB
fsr-3374	19	23	their	their	PRON
fsr-3374	19	24	clients	client	NOUN
fsr-3374	19	25	navigate	navigate	VERB
fsr-3374	19	26	the	the	DET
fsr-3374	19	27	high	high	ADJ
fsr-3374	19	28	degree	degree	NOUN
fsr-3374	19	29	of	of	ADP
fsr-3374	19	30	financial	financial	ADJ
fsr-3374	19	31	uncertainty	uncertainty	NOUN
fsr-3374	19	32	.	.	PUNCT
fsr-3374	20	1	using	use	VERB
fsr-3374	20	2	the	the	DET
fsr-3374	20	3	2012	2012	NUM
fsr-3374	20	4	national	national	ADJ
fsr-3374	20	5	financial	financial	ADJ
fsr-3374	20	6	capability	capability	NOUN
fsr-3374	20	7	study	study	NOUN
fsr-3374	20	8	(	(	PUNCT
fsr-3374	20	9	nfcs	nfcs	PROPN
fsr-3374	20	10	)	)	PUNCT
fsr-3374	20	11	,	,	PUNCT
fsr-3374	20	12	a	a	DET
fsr-3374	20	13	cross	cross	ADJ
fsr-3374	20	14	-	-	ADJ
fsr-3374	20	15	sectional	sectional	ADJ
fsr-3374	20	16	study	study	NOUN
fsr-3374	20	17	that	that	PRON
fsr-3374	20	18	was	be	AUX
fsr-3374	20	19	funded	fund	VERB
fsr-3374	20	20	by	by	ADP
fsr-3374	20	21	the	the	DET
fsr-3374	20	22	financial	financial	ADJ
fsr-3374	20	23	industry	industry	NOUN
fsr-3374	20	24	regulatory	regulatory	ADJ
fsr-3374	20	25	authority	authority	NOUN
fsr-3374	20	26	’s	’s	PART
fsr-3374	20	27	(	(	PUNCT
fsr-3374	20	28	finra	finra	NOUN
fsr-3374	20	29	)	)	PUNCT
fsr-3374	20	30	investor	investor	NOUN
fsr-3374	20	31	education	education	NOUN
fsr-3374	20	32	foundation	foundation	NOUN
fsr-3374	20	33	,	,	PUNCT
fsr-3374	20	34	this	this	DET
fsr-3374	20	35	article	article	NOUN
fsr-3374	20	36	investigates	investigate	VERB
fsr-3374	20	37	the	the	DET
fsr-3374	20	38	characteristics	characteristic	NOUN
fsr-3374	20	39	of	of	ADP
fsr-3374	20	40	financial	financial	ADJ
fsr-3374	20	41	-	-	PUNCT
fsr-3374	20	42	advice	advice	NOUN
fsr-3374	20	43	-	-	PUNCT
fsr-3374	20	44	seeking	seek	VERB
fsr-3374	20	45	behavior	behavior	NOUN
fsr-3374	20	46	for	for	ADP
fsr-3374	20	47	five	five	NUM
fsr-3374	20	48	types	type	NOUN
fsr-3374	20	49	of	of	ADP
fsr-3374	20	50	financial	financial	ADJ
fsr-3374	20	51	advice	advice	NOUN
fsr-3374	20	52	:	:	PUNCT
fsr-3374	20	53	debt	debt	NOUN
fsr-3374	20	54	counseling	counseling	NOUN
fsr-3374	20	55	,	,	PUNCT
fsr-3374	20	56	savings	saving	NOUN
fsr-3374	20	57	/	/	SYM
fsr-3374	20	58	investment	investment	NOUN
fsr-3374	20	59	,	,	PUNCT
fsr-3374	20	60	mortgages	mortgage	NOUN
fsr-3374	20	61	/	/	SYM
fsr-3374	20	62	loans	loan	NOUN
fsr-3374	20	63	,	,	PUNCT
fsr-3374	20	64	insurance	insurance	NOUN
fsr-3374	20	65	,	,	PUNCT
fsr-3374	20	66	and	and	CCONJ
fsr-3374	20	67	tax	tax	NOUN
fsr-3374	20	68	planning	planning	NOUN
fsr-3374	20	69	.	.	PUNCT
fsr-3374	21	1	a	a	DET
fsr-3374	21	2	probit	probit	NOUN
fsr-3374	21	3	regression	regression	NOUN
fsr-3374	21	4	model	model	NOUN
fsr-3374	21	5	is	be	AUX
fsr-3374	21	6	estimated	estimate	VERB
fsr-3374	21	7	to	to	PART
fsr-3374	21	8	examine	examine	VERB
fsr-3374	21	9	the	the	DET
fsr-3374	21	10	associations	association	NOUN
fsr-3374	21	11	between	between	ADP
fsr-3374	21	12	income	income	NOUN
fsr-3374	21	13	,	,	PUNCT
fsr-3374	21	14	risk	risk	NOUN
fsr-3374	21	15	tolerance	tolerance	NOUN
fsr-3374	21	16	,	,	PUNCT
fsr-3374	21	17	financial	financial	ADJ
fsr-3374	21	18	knowledge	knowledge	NOUN
fsr-3374	21	19	,	,	PUNCT
fsr-3374	21	20	financial	financial	ADJ
fsr-3374	21	21	literacy	literacy	NOUN
fsr-3374	21	22	,	,	PUNCT
fsr-3374	21	23	financial	financial	ADJ
fsr-3374	21	24	fragility	fragility	NOUN
fsr-3374	21	25	,	,	PUNCT
fsr-3374	21	26	and	and	CCONJ
fsr-3374	21	27	a	a	DET
fsr-3374	21	28	set	set	NOUN
fsr-3374	21	29	of	of	ADP
fsr-3374	21	30	demographic	demographic	ADJ
fsr-3374	21	31	variables	variable	NOUN
fsr-3374	21	32	and	and	CCONJ
fsr-3374	21	33	the	the	DET
fsr-3374	21	34	probability	probability	NOUN
fsr-3374	21	35	of	of	ADP
fsr-3374	21	36	seeking	seek	VERB
fsr-3374	21	37	financial	financial	ADJ
fsr-3374	21	38	advice	advice	NOUN
fsr-3374	21	39	.	.	PUNCT
fsr-3374	22	1	additionally	additionally	ADV
fsr-3374	22	2	,	,	PUNCT
fsr-3374	22	3	this	this	DET
fsr-3374	22	4	article	article	NOUN
fsr-3374	22	5	examines	examine	VERB
fsr-3374	22	6	the	the	DET
fsr-3374	22	7	determinants	determinant	NOUN
fsr-3374	22	8	of	of	ADP
fsr-3374	22	9	financial	financial	ADJ
fsr-3374	22	10	-	-	PUNCT
fsr-3374	22	11	advice	advice	NOUN
fsr-3374	22	12	-	-	PUNCT
fsr-3374	22	13	seeking	seek	VERB
fsr-3374	22	14	behavior	behavior	NOUN
fsr-3374	22	15	for	for	ADP
fsr-3374	22	16	subsamples	subsample	NOUN
fsr-3374	22	17	defined	define	VERB
fsr-3374	22	18	by	by	ADP
fsr-3374	22	19	gender	gender	NOUN
fsr-3374	22	20	,	,	PUNCT
fsr-3374	22	21	age	age	NOUN
fsr-3374	22	22	,	,	PUNCT
fsr-3374	22	23	and	and	CCONJ
fsr-3374	22	24	financial	financial	ADJ
fsr-3374	22	25	literacy	literacy	NOUN
fsr-3374	22	26	.	.	PUNCT
fsr-3374	23	1	2	2	X
fsr-3374	23	2	.	.	X
fsr-3374	23	3	literature	literature	NOUN
fsr-3374	23	4	review	review	VERB
fsr-3374	23	5	the	the	DET
fsr-3374	23	6	existing	exist	VERB
fsr-3374	23	7	literature	literature	NOUN
fsr-3374	23	8	on	on	ADP
fsr-3374	23	9	the	the	DET
fsr-3374	23	10	characteristics	characteristic	NOUN
fsr-3374	23	11	of	of	ADP
fsr-3374	23	12	financial	financial	ADJ
fsr-3374	23	13	-	-	PUNCT
fsr-3374	23	14	advice	advice	NOUN
fsr-3374	23	15	-	-	PUNCT
fsr-3374	23	16	seeking	seek	VERB
fsr-3374	23	17	behavior	behavior	NOUN
fsr-3374	23	18	examines	examine	VERB
fsr-3374	23	19	this	this	DET
fsr-3374	23	20	conduct	conduct	NOUN
fsr-3374	23	21	generally	generally	ADV
fsr-3374	23	22	and	and	CCONJ
fsr-3374	23	23	for	for	ADP
fsr-3374	23	24	specific	specific	ADJ
fsr-3374	23	25	types	type	NOUN
fsr-3374	23	26	of	of	ADP
fsr-3374	23	27	advice	advice	NOUN
fsr-3374	23	28	such	such	ADJ
fsr-3374	23	29	as	as	ADP
fsr-3374	23	30	debt	debt	NOUN
fsr-3374	23	31	counseling	counseling	NOUN
fsr-3374	23	32	,	,	PUNCT
fsr-3374	23	33	retirement	retirement	NOUN
fsr-3374	23	34	planning	planning	NOUN
fsr-3374	23	35	,	,	PUNCT
fsr-3374	23	36	and	and	CCONJ
fsr-3374	23	37	investment	investment	NOUN
fsr-3374	23	38	management	management	NOUN
fsr-3374	23	39	(	(	PUNCT
fsr-3374	23	40	collins	collin	NOUN
fsr-3374	23	41	,	,	PUNCT
fsr-3374	23	42	2012	2012	NUM
fsr-3374	23	43	;	;	PUNCT
fsr-3374	23	44	finke	finke	PROPN
fsr-3374	23	45	,	,	PUNCT
fsr-3374	23	46	huston	huston	PROPN
fsr-3374	23	47	,	,	PUNCT
fsr-3374	23	48	and	and	CCONJ
fsr-3374	23	49	winchester	winchester	PROPN
fsr-3374	23	50	,	,	PUNCT
fsr-3374	23	51	2011	2011	NUM
fsr-3374	23	52	;	;	PUNCT
fsr-3374	23	53	grable	grable	NOUN
fsr-3374	23	54	and	and	CCONJ
fsr-3374	23	55	joo	joo	NOUN
fsr-3374	23	56	,	,	PUNCT
fsr-3374	23	57	1999	1999	NUM
fsr-3374	23	58	;	;	PUNCT
fsr-3374	23	59	hackethal	hackethal	NOUN
fsr-3374	23	60	,	,	PUNCT
fsr-3374	23	61	haliassos	haliassos	NOUN
fsr-3374	23	62	,	,	PUNCT
fsr-3374	23	63	and	and	CCONJ
fsr-3374	23	64	jappelli	jappelli	PROPN
fsr-3374	23	65	,	,	PUNCT
fsr-3374	23	66	2012	2012	NUM
fsr-3374	23	67	;	;	PUNCT
fsr-3374	23	68	heo	heo	PROPN
fsr-3374	23	69	,	,	PUNCT
fsr-3374	23	70	grable	grable	ADJ
fsr-3374	23	71	,	,	PUNCT
fsr-3374	23	72	and	and	CCONJ
fsr-3374	23	73	chatterjee	chatterjee	NOUN
fsr-3374	23	74	,	,	PUNCT
fsr-3374	23	75	2013	2013	NUM
fsr-3374	23	76	;	;	PUNCT
fsr-3374	23	77	inderst	inderst	ADJ
fsr-3374	23	78	and	and	CCONJ
fsr-3374	23	79	ottaviani	ottaviani	ADJ
fsr-3374	23	80	,	,	PUNCT
fsr-3374	23	81	2012	2012	NUM
fsr-3374	23	82	;	;	PUNCT
fsr-3374	23	83	kramer	kramer	PROPN
fsr-3374	23	84	,	,	PUNCT
fsr-3374	23	85	2012	2012	NUM
fsr-3374	23	86	;	;	PUNCT
fsr-3374	23	87	robb	robb	NOUN
fsr-3374	23	88	,	,	PUNCT
fsr-3374	23	89	babiarz	babiarz	NOUN
fsr-3374	23	90	,	,	PUNCT
fsr-3374	23	91	and	and	CCONJ
fsr-3374	23	92	woodyard	woodyard	PROPN
fsr-3374	23	93	,	,	PUNCT
fsr-3374	23	94	2012	2012	NUM
fsr-3374	23	95	;	;	PUNCT
fsr-3374	23	96	heo	heo	PROPN
fsr-3374	23	97	,	,	PUNCT
fsr-3374	23	98	grable	grable	PROPN
fsr-3374	23	99	,	,	PUNCT
fsr-3374	23	100	&	&	CCONJ
fsr-3374	23	101	chatterjee	chatterjee	PROPN
fsr-3374	23	102	,	,	PUNCT
fsr-3374	23	103	2013	2013	NUM
fsr-3374	23	104	;	;	PUNCT
fsr-3374	23	105	salter	salter	NOUN
fsr-3374	23	106	,	,	PUNCT
fsr-3374	23	107	harness	harness	NOUN
fsr-3374	23	108	,	,	PUNCT
fsr-3374	23	109	and	and	CCONJ
fsr-3374	23	110	chatterjee	chatterjee	PROPN
fsr-3374	23	111	,	,	PUNCT
fsr-3374	23	112	2010	2010	NUM
fsr-3374	23	113	;	;	PUNCT
fsr-3374	23	114	scott	scott	PROPN
fsr-3374	23	115	and	and	CCONJ
fsr-3374	23	116	finke	finke	PROPN
fsr-3374	23	117	,	,	PUNCT
fsr-3374	23	118	2013	2013	NUM
fsr-3374	23	119	;	;	PUNCT
fsr-3374	23	120	seay	seay	PROPN
fsr-3374	23	121	,	,	PUNCT
fsr-3374	23	122	kim	kim	PROPN
fsr-3374	23	123	,	,	PUNCT
fsr-3374	23	124	and	and	CCONJ
fsr-3374	23	125	heckman	heckman	PROPN
fsr-3374	23	126	,	,	PUNCT
fsr-3374	23	127	2016	2016	NUM
fsr-3374	23	128	;	;	PUNCT
fsr-3374	23	129	simms	simms	PROPN
fsr-3374	23	130	,	,	PUNCT
fsr-3374	23	131	2014	2014	NUM
fsr-3374	23	132	)	)	PUNCT
fsr-3374	23	133	.	.	PUNCT
fsr-3374	24	1	these	these	DET
fsr-3374	24	2	studies	study	NOUN
fsr-3374	24	3	identify	identify	VERB
fsr-3374	24	4	age	age	NOUN
fsr-3374	24	5	,	,	PUNCT
fsr-3374	24	6	gender	gender	NOUN
fsr-3374	24	7	,	,	PUNCT
fsr-3374	24	8	wealth	wealth	NOUN
fsr-3374	24	9	,	,	PUNCT
fsr-3374	24	10	income	income	NOUN
fsr-3374	24	11	,	,	PUNCT
fsr-3374	24	12	home	home	NOUN
fsr-3374	24	13	ownership	ownership	NOUN
fsr-3374	24	14	,	,	PUNCT
fsr-3374	24	15	education	education	NOUN
fsr-3374	24	16	,	,	PUNCT
fsr-3374	24	17	financial	financial	ADJ
fsr-3374	24	18	knowledge	knowledge	NOUN
fsr-3374	24	19	,	,	PUNCT
fsr-3374	24	20	confidence	confidence	NOUN
fsr-3374	24	21	,	,	PUNCT
fsr-3374	24	22	risk	risk	NOUN
fsr-3374	24	23	tolerance	tolerance	NOUN
fsr-3374	24	24	,	,	PUNCT
fsr-3374	24	25	and	and	CCONJ
fsr-3374	24	26	negative	negative	ADJ
fsr-3374	24	27	life	life	NOUN
fsr-3374	24	28	events	event	NOUN
fsr-3374	24	29	as	as	ADP
fsr-3374	24	30	factors	factor	NOUN
fsr-3374	24	31	that	that	PRON
fsr-3374	24	32	influence	influence	VERB
fsr-3374	24	33	the	the	DET
fsr-3374	24	34	demand	demand	NOUN
fsr-3374	24	35	for	for	ADP
fsr-3374	24	36	financial	financial	ADJ
fsr-3374	24	37	advice	advice	NOUN
fsr-3374	24	38	.	.	PUNCT
fsr-3374	25	1	age	age	NOUN
fsr-3374	25	2	is	be	AUX
fsr-3374	25	3	a	a	DET
fsr-3374	25	4	significant	significant	ADJ
fsr-3374	25	5	determinant	determinant	NOUN
fsr-3374	25	6	of	of	ADP
fsr-3374	25	7	seeking	seek	VERB
fsr-3374	25	8	advice	advice	NOUN
fsr-3374	25	9	in	in	ADP
fsr-3374	25	10	all	all	DET
fsr-3374	25	11	areas	area	NOUN
fsr-3374	25	12	of	of	ADP
fsr-3374	25	13	personal	personal	ADJ
fsr-3374	25	14	finance	finance	NOUN
fsr-3374	25	15	,	,	PUNCT
fsr-3374	25	16	has	have	AUX
fsr-3374	25	17	been	be	AUX
fsr-3374	25	18	found	find	VERB
fsr-3374	25	19	to	to	PART
fsr-3374	25	20	be	be	AUX
fsr-3374	25	21	related	relate	VERB
fsr-3374	25	22	positively	positively	ADV
fsr-3374	25	23	to	to	ADP
fsr-3374	25	24	debt	debt	NOUN
fsr-3374	25	25	counseling	counseling	NOUN
fsr-3374	25	26	for	for	ADP
fsr-3374	25	27	those	those	DET
fsr-3374	25	28	aged	aged	ADJ
fsr-3374	25	29	25–54	25–54	NUM
fsr-3374	25	30	,	,	PUNCT
fsr-3374	25	31	and	and	CCONJ
fsr-3374	25	32	is	be	AUX
fsr-3374	25	33	related	relate	VERB
fsr-3374	25	34	negatively	negatively	ADV
fsr-3374	25	35	to	to	ADP
fsr-3374	25	36	debt	debt	NOUN
fsr-3374	25	37	counseling	counseling	NOUN
fsr-3374	25	38	for	for	ADP
fsr-3374	25	39	respondents	respondent	NOUN
fsr-3374	25	40	who	who	PRON
fsr-3374	25	41	are	be	AUX
fsr-3374	25	42	aged	age	VERB
fsr-3374	25	43	65	65	NUM
fsr-3374	25	44	or	or	CCONJ
fsr-3374	25	45	older	old	ADJ
fsr-3374	25	46	(	(	PUNCT
fsr-3374	25	47	robb	robb	NOUN
fsr-3374	25	48	et	et	PROPN
fsr-3374	25	49	al	al	PROPN
fsr-3374	25	50	.	.	PROPN
fsr-3374	25	51	,	,	PUNCT
fsr-3374	25	52	2012	2012	NUM
fsr-3374	25	53	)	)	PUNCT
fsr-3374	25	54	.	.	PUNCT
fsr-3374	26	1	grable	grable	PROPN
fsr-3374	26	2	and	and	CCONJ
fsr-3374	26	3	joo	joo	PROPN
fsr-3374	26	4	(	(	PUNCT
fsr-3374	26	5	1999	1999	NUM
fsr-3374	26	6	)	)	PUNCT
fsr-3374	26	7	find	find	VERB
fsr-3374	26	8	that	that	SCONJ
fsr-3374	26	9	younger	young	ADJ
fsr-3374	26	10	households	household	NOUN
fsr-3374	26	11	and	and	CCONJ
fsr-3374	26	12	those	those	PRON
fsr-3374	26	13	who	who	PRON
fsr-3374	26	14	do	do	AUX
fsr-3374	26	15	not	not	PART
fsr-3374	26	16	own	own	VERB
fsr-3374	26	17	homes	home	NOUN
fsr-3374	26	18	are	be	AUX
fsr-3374	26	19	more	more	ADV
fsr-3374	26	20	likely	likely	ADJ
fsr-3374	26	21	to	to	PART
fsr-3374	26	22	seek	seek	VERB
fsr-3374	26	23	financial	financial	ADJ
fsr-3374	26	24	help	help	NOUN
fsr-3374	26	25	compared	compare	VERB
fsr-3374	26	26	with	with	ADP
fsr-3374	26	27	homeowners	homeowner	NOUN
fsr-3374	26	28	and	and	CCONJ
fsr-3374	26	29	older	old	ADJ
fsr-3374	26	30	individuals	individual	NOUN
fsr-3374	26	31	who	who	PRON
fsr-3374	26	32	may	may	AUX
fsr-3374	26	33	experience	experience	VERB
fsr-3374	26	34	self	self	NOUN
fsr-3374	26	35	-	-	PUNCT
fsr-3374	26	36	concealment2	concealment2	VERB
fsr-3374	26	37	to	to	PART
fsr-3374	26	38	protect	protect	VERB
fsr-3374	26	39	their	their	PRON
fsr-3374	26	40	perceived	perceive	VERB
fsr-3374	26	41	life	life	NOUN
fsr-3374	26	42	achievement	achievement	NOUN
fsr-3374	26	43	.	.	PUNCT
fsr-3374	27	1	in	in	ADP
fsr-3374	27	2	addition	addition	NOUN
fsr-3374	27	3	,	,	PUNCT
fsr-3374	27	4	individuals	individual	NOUN
fsr-3374	27	5	who	who	PRON
fsr-3374	27	6	demonstrate	demonstrate	VERB
fsr-3374	27	7	bad	bad	ADJ
fsr-3374	27	8	financial	financial	ADJ
fsr-3374	27	9	behaviors	behavior	NOUN
fsr-3374	27	10	(	(	PUNCT
fsr-3374	27	11	e.g.	e.g.	ADV
fsr-3374	27	12	,	,	PUNCT
fsr-3374	27	13	overspending	overspending	NOUN
fsr-3374	27	14	,	,	PUNCT
fsr-3374	27	15	overusing	overuse	VERB
fsr-3374	27	16	credit	credit	NOUN
fsr-3374	27	17	,	,	PUNCT
fsr-3374	27	18	and	and	CCONJ
fsr-3374	27	19	not	not	PART
fsr-3374	27	20	saving	save	VERB
fsr-3374	27	21	for	for	ADP
fsr-3374	27	22	retirement	retirement	NOUN
fsr-3374	27	23	)	)	PUNCT
fsr-3374	27	24	and	and	CCONJ
fsr-3374	27	25	who	who	PRON
fsr-3374	27	26	experience	experience	VERB
fsr-3374	27	27	financial	financial	ADJ
fsr-3374	27	28	stressors	stressor	NOUN
fsr-3374	27	29	(	(	PUNCT
fsr-3374	27	30	e.g.	e.g.	ADV
fsr-3374	27	31	,	,	PUNCT
fsr-3374	27	32	death	death	NOUN
fsr-3374	27	33	of	of	ADP
fsr-3374	27	34	a	a	DET
fsr-3374	27	35	family	family	NOUN
fsr-3374	27	36	member	member	NOUN
fsr-3374	27	37	,	,	PUNCT
fsr-3374	27	38	divorce	divorce	NOUN
fsr-3374	27	39	,	,	PUNCT
fsr-3374	27	40	and	and	CCONJ
fsr-3374	27	41	loss	loss	NOUN
fsr-3374	27	42	of	of	ADP
fsr-3374	27	43	a	a	DET
fsr-3374	27	44	job	job	NOUN
fsr-3374	27	45	)	)	PUNCT
fsr-3374	27	46	are	be	AUX
fsr-3374	27	47	more	more	ADV
fsr-3374	27	48	likely	likely	ADJ
fsr-3374	27	49	to	to	PART
fsr-3374	27	50	seek	seek	VERB
fsr-3374	27	51	financial	financial	ADJ
fsr-3374	27	52	help	help	NOUN
fsr-3374	27	53	.	.	PUNCT
fsr-3374	28	1	however	however	ADV
fsr-3374	28	2	,	,	PUNCT
fsr-3374	28	3	hackethal	hackethal	VERB
fsr-3374	28	4	et	et	PROPN
fsr-3374	28	5	al	al	PROPN
fsr-3374	28	6	.	.	PROPN
fsr-3374	29	1	(	(	PUNCT
fsr-3374	29	2	2012	2012	NUM
fsr-3374	29	3	)	)	PUNCT
fsr-3374	29	4	find	find	VERB
fsr-3374	29	5	that	that	SCONJ
fsr-3374	29	6	older	old	ADJ
fsr-3374	29	7	clients	client	NOUN
fsr-3374	29	8	(	(	PUNCT
fsr-3374	29	9	over	over	ADP
fsr-3374	29	10	50	50	NUM
fsr-3374	29	11	)	)	PUNCT
fsr-3374	29	12	are	be	AUX
fsr-3374	29	13	more	more	ADV
fsr-3374	29	14	likely	likely	ADJ
fsr-3374	29	15	to	to	PART
fsr-3374	29	16	use	use	VERB
fsr-3374	29	17	a	a	DET
fsr-3374	29	18	financial	financial	ADJ
fsr-3374	29	19	adviser	adviser	NOUN
fsr-3374	29	20	compared	compare	VERB
fsr-3374	29	21	with	with	ADP
fsr-3374	29	22	younger	young	ADJ
fsr-3374	29	23	clients	client	NOUN
fsr-3374	29	24	aged	age	VERB
fsr-3374	29	25	18–30	18–30	PROPN
fsr-3374	29	26	.	.	PUNCT
fsr-3374	30	1	gender	gender	NOUN
fsr-3374	30	2	influences	influence	VERB
fsr-3374	30	3	the	the	DET
fsr-3374	30	4	decision	decision	NOUN
fsr-3374	30	5	to	to	PART
fsr-3374	30	6	seek	seek	VERB
fsr-3374	30	7	financial	financial	ADJ
fsr-3374	30	8	advice	advice	NOUN
fsr-3374	30	9	.	.	PUNCT
fsr-3374	31	1	because	because	SCONJ
fsr-3374	31	2	of	of	ADP
fsr-3374	31	3	their	their	PRON
fsr-3374	31	4	overconfidence	overconfidence	NOUN
fsr-3374	31	5	in	in	ADP
fsr-3374	31	6	managing	manage	VERB
fsr-3374	31	7	finances	finance	NOUN
fsr-3374	31	8	,	,	PUNCT
fsr-3374	31	9	males	male	NOUN
fsr-3374	31	10	resist	resist	VERB
fsr-3374	31	11	financial	financial	ADJ
fsr-3374	31	12	counseling	counseling	NOUN
fsr-3374	31	13	and	and	CCONJ
fsr-3374	31	14	are	be	AUX
fsr-3374	31	15	less	less	ADV
fsr-3374	31	16	likely	likely	ADJ
fsr-3374	31	17	to	to	PART
fsr-3374	31	18	seek	seek	VERB
fsr-3374	31	19	financial	financial	ADJ
fsr-3374	31	20	advice	advice	NOUN
fsr-3374	31	21	compared	compare	VERB
fsr-3374	31	22	to	to	ADP
fsr-3374	31	23	females	female	NOUN
fsr-3374	31	24	(	(	PUNCT
fsr-3374	31	25	finke	finke	PROPN
fsr-3374	31	26	et	et	PROPN
fsr-3374	31	27	al	al	PROPN
fsr-3374	31	28	.	.	PROPN
fsr-3374	31	29	,	,	PUNCT
fsr-3374	31	30	2011	2011	NUM
fsr-3374	31	31	;	;	PUNCT
fsr-3374	31	32	hackethal	hackethal	VERB
fsr-3374	31	33	et	et	PROPN
fsr-3374	31	34	al	al	PROPN
fsr-3374	31	35	.	.	PROPN
fsr-3374	31	36	,	,	PUNCT
fsr-3374	31	37	2012	2012	NUM
fsr-3374	31	38	;	;	PUNCT
fsr-3374	31	39	robb	robb	VERB
fsr-3374	31	40	et	et	PROPN
fsr-3374	31	41	al	al	PROPN
fsr-3374	31	42	.	.	PROPN
fsr-3374	31	43	,	,	PUNCT
fsr-3374	31	44	2012	2012	NUM
fsr-3374	31	45	)	)	PUNCT
fsr-3374	31	46	.	.	PUNCT
fsr-3374	32	1	406	406	NUM
fsr-3374	32	2	m.h	m.h	PROPN
fsr-3374	32	3	.	.	PROPN
fsr-3374	32	4	alyousif	alyousif	PROPN
fsr-3374	32	5	,	,	PUNCT
fsr-3374	32	6	c.m	c.m	PROPN
fsr-3374	32	7	.	.	PROPN
fsr-3374	32	8	kalenkoski	kalenkoski	PROPN
fsr-3374	32	9	/	/	SYM
fsr-3374	32	10	financial	financial	ADJ
fsr-3374	32	11	services	service	NOUN
fsr-3374	32	12	review	review	VERB
fsr-3374	32	13	26	26	NUM
fsr-3374	32	14	(	(	PUNCT
fsr-3374	32	15	2017	2017	NUM
fsr-3374	32	16	)	)	PUNCT
fsr-3374	33	1	405–432	405–432	NUM
fsr-3374	33	2	in	in	ADP
fsr-3374	33	3	contrast	contrast	NOUN
fsr-3374	33	4	,	,	PUNCT
fsr-3374	33	5	tang	tang	NOUN
fsr-3374	33	6	and	and	CCONJ
fsr-3374	33	7	lachance	lachance	PROPN
fsr-3374	33	8	(	(	PUNCT
fsr-3374	33	9	2012	2012	NUM
fsr-3374	33	10	)	)	PUNCT
fsr-3374	33	11	find	find	VERB
fsr-3374	33	12	that	that	SCONJ
fsr-3374	33	13	gender	gender	NOUN
fsr-3374	33	14	and	and	CCONJ
fsr-3374	33	15	home	home	NOUN
fsr-3374	33	16	ownership	ownership	NOUN
fsr-3374	33	17	do	do	AUX
fsr-3374	33	18	not	not	PART
fsr-3374	33	19	affect	affect	VERB
fsr-3374	33	20	the	the	DET
fsr-3374	33	21	demand	demand	NOUN
fsr-3374	33	22	for	for	ADP
fsr-3374	33	23	financial	financial	ADJ
fsr-3374	33	24	advice	advice	NOUN
fsr-3374	33	25	.	.	PUNCT
fsr-3374	34	1	income	income	NOUN
fsr-3374	34	2	has	have	AUX
fsr-3374	34	3	been	be	AUX
fsr-3374	34	4	found	find	VERB
fsr-3374	34	5	to	to	PART
fsr-3374	34	6	be	be	AUX
fsr-3374	34	7	related	relate	VERB
fsr-3374	34	8	positively	positively	ADV
fsr-3374	34	9	to	to	ADP
fsr-3374	34	10	the	the	DET
fsr-3374	34	11	demand	demand	NOUN
fsr-3374	34	12	for	for	ADP
fsr-3374	34	13	financial	financial	ADJ
fsr-3374	34	14	advice	advice	NOUN
fsr-3374	34	15	(	(	PUNCT
fsr-3374	34	16	robb	robb	NOUN
fsr-3374	34	17	et	et	PROPN
fsr-3374	34	18	al	al	PROPN
fsr-3374	34	19	.	.	PROPN
fsr-3374	34	20	,	,	PUNCT
fsr-3374	34	21	2012	2012	NUM
fsr-3374	34	22	)	)	PUNCT
fsr-3374	34	23	.	.	PUNCT
fsr-3374	35	1	however	however	ADV
fsr-3374	35	2	,	,	PUNCT
fsr-3374	35	3	other	other	ADJ
fsr-3374	35	4	studies	study	NOUN
fsr-3374	35	5	indicate	indicate	VERB
fsr-3374	35	6	that	that	SCONJ
fsr-3374	35	7	wealth	wealth	NOUN
fsr-3374	35	8	has	have	VERB
fsr-3374	35	9	more	more	ADJ
fsr-3374	35	10	of	of	ADP
fsr-3374	35	11	an	an	DET
fsr-3374	35	12	impact	impact	NOUN
fsr-3374	35	13	on	on	ADP
fsr-3374	35	14	the	the	DET
fsr-3374	35	15	decision	decision	NOUN
fsr-3374	35	16	to	to	PART
fsr-3374	35	17	seek	seek	VERB
fsr-3374	35	18	financial	financial	ADJ
fsr-3374	35	19	advice	advice	NOUN
fsr-3374	35	20	compared	compare	VERB
fsr-3374	35	21	to	to	ADP
fsr-3374	35	22	income	income	NOUN
fsr-3374	35	23	(	(	PUNCT
fsr-3374	35	24	finke	finke	PROPN
fsr-3374	35	25	et	et	PROPN
fsr-3374	35	26	al	al	PROPN
fsr-3374	35	27	.	.	PROPN
fsr-3374	35	28	,	,	PUNCT
fsr-3374	35	29	2011	2011	NUM
fsr-3374	35	30	;	;	PUNCT
fsr-3374	35	31	hackethal	hackethal	VERB
fsr-3374	35	32	et	et	PROPN
fsr-3374	35	33	al	al	PROPN
fsr-3374	35	34	.	.	PROPN
fsr-3374	35	35	,	,	PUNCT
fsr-3374	35	36	2012	2012	NUM
fsr-3374	35	37	;	;	PUNCT
fsr-3374	35	38	hanna	hanna	NOUN
fsr-3374	35	39	,	,	PUNCT
fsr-3374	35	40	2011	2011	NUM
fsr-3374	35	41	)	)	PUNCT
fsr-3374	35	42	.	.	PUNCT
fsr-3374	36	1	advisers	adviser	NOUN
fsr-3374	36	2	are	be	AUX
fsr-3374	36	3	inclined	inclined	ADJ
fsr-3374	36	4	to	to	PART
fsr-3374	36	5	provide	provide	VERB
fsr-3374	36	6	their	their	PRON
fsr-3374	36	7	services	service	NOUN
fsr-3374	36	8	to	to	ADP
fsr-3374	36	9	clients	client	NOUN
fsr-3374	36	10	who	who	PRON
fsr-3374	36	11	are	be	AUX
fsr-3374	36	12	self	self	NOUN
fsr-3374	36	13	-	-	PUNCT
fsr-3374	36	14	employed	employ	VERB
fsr-3374	36	15	,	,	PUNCT
fsr-3374	36	16	female	female	NOUN
fsr-3374	36	17	,	,	PUNCT
fsr-3374	36	18	have	have	VERB
fsr-3374	36	19	high	high	ADJ
fsr-3374	36	20	wealth	wealth	NOUN
fsr-3374	36	21	,	,	PUNCT
fsr-3374	36	22	and	and	CCONJ
fsr-3374	36	23	have	have	VERB
fsr-3374	36	24	more	more	ADJ
fsr-3374	36	25	work	work	NOUN
fsr-3374	36	26	experience	experience	NOUN
fsr-3374	36	27	(	(	PUNCT
fsr-3374	36	28	hackethal	hackethal	NOUN
fsr-3374	36	29	et	et	PROPN
fsr-3374	36	30	al	al	PROPN
fsr-3374	36	31	.	.	PROPN
fsr-3374	36	32	,	,	PUNCT
fsr-3374	36	33	2012	2012	NUM
fsr-3374	36	34	)	)	PUNCT
fsr-3374	36	35	.	.	PUNCT
fsr-3374	37	1	on	on	ADP
fsr-3374	37	2	the	the	DET
fsr-3374	37	3	other	other	ADJ
fsr-3374	37	4	hand	hand	NOUN
fsr-3374	37	5	,	,	PUNCT
fsr-3374	37	6	calcagno	calcagno	NOUN
fsr-3374	37	7	and	and	CCONJ
fsr-3374	37	8	monticone	monticone	NOUN
fsr-3374	37	9	(	(	PUNCT
fsr-3374	37	10	2014	2014	NUM
fsr-3374	37	11	)	)	PUNCT
fsr-3374	37	12	do	do	AUX
fsr-3374	37	13	not	not	PART
fsr-3374	37	14	find	find	VERB
fsr-3374	37	15	support	support	NOUN
fsr-3374	37	16	for	for	ADP
fsr-3374	37	17	the	the	DET
fsr-3374	37	18	predicted	predict	VERB
fsr-3374	37	19	associations	association	NOUN
fsr-3374	37	20	between	between	ADP
fsr-3374	37	21	high	high	ADJ
fsr-3374	37	22	wealth	wealth	NOUN
fsr-3374	37	23	or	or	CCONJ
fsr-3374	37	24	high	high	ADJ
fsr-3374	37	25	income	income	NOUN
fsr-3374	37	26	and	and	CCONJ
fsr-3374	37	27	the	the	DET
fsr-3374	37	28	probability	probability	NOUN
fsr-3374	37	29	of	of	ADP
fsr-3374	37	30	seeking	seek	VERB
fsr-3374	37	31	financial	financial	ADJ
fsr-3374	37	32	advice	advice	NOUN
fsr-3374	37	33	.	.	PUNCT
fsr-3374	38	1	although	although	SCONJ
fsr-3374	38	2	education	education	NOUN
fsr-3374	38	3	increases	increase	VERB
fsr-3374	38	4	the	the	DET
fsr-3374	38	5	likelihood	likelihood	NOUN
fsr-3374	38	6	of	of	ADP
fsr-3374	38	7	seeking	seek	VERB
fsr-3374	38	8	financial	financial	ADJ
fsr-3374	38	9	advice	advice	NOUN
fsr-3374	38	10	(	(	PUNCT
fsr-3374	38	11	finke	finke	PROPN
fsr-3374	38	12	et	et	PROPN
fsr-3374	38	13	al	al	PROPN
fsr-3374	38	14	.	.	PROPN
fsr-3374	38	15	,	,	PUNCT
fsr-3374	38	16	2011	2011	NUM
fsr-3374	38	17	;	;	PUNCT
fsr-3374	38	18	hanna	hanna	PROPN
fsr-3374	38	19	,	,	PUNCT
fsr-3374	38	20	2011	2011	NUM
fsr-3374	38	21	;	;	PUNCT
fsr-3374	38	22	inderst	inderst	ADJ
fsr-3374	38	23	and	and	CCONJ
fsr-3374	38	24	ottaviani	ottaviani	ADJ
fsr-3374	38	25	,	,	PUNCT
fsr-3374	38	26	2012	2012	NUM
fsr-3374	38	27	)	)	PUNCT
fsr-3374	38	28	,	,	PUNCT
fsr-3374	38	29	perceived	perceive	VERB
fsr-3374	38	30	knowledge	knowledge	NOUN
fsr-3374	38	31	about	about	ADP
fsr-3374	38	32	managing	manage	VERB
fsr-3374	38	33	finances	finance	NOUN
fsr-3374	38	34	reduces	reduce	VERB
fsr-3374	38	35	the	the	DET
fsr-3374	38	36	likelihood	likelihood	NOUN
fsr-3374	38	37	of	of	ADP
fsr-3374	38	38	asking	ask	VERB
fsr-3374	38	39	for	for	ADP
fsr-3374	38	40	help	help	NOUN
fsr-3374	38	41	(	(	PUNCT
fsr-3374	38	42	finke	finke	PROPN
fsr-3374	38	43	et	et	PROPN
fsr-3374	38	44	al	al	PROPN
fsr-3374	38	45	.	.	PROPN
fsr-3374	38	46	,	,	PUNCT
fsr-3374	38	47	2011	2011	NUM
fsr-3374	38	48	)	)	PUNCT
fsr-3374	38	49	.	.	PUNCT
fsr-3374	39	1	however	however	ADV
fsr-3374	39	2	,	,	PUNCT
fsr-3374	39	3	other	other	ADJ
fsr-3374	39	4	studies	study	NOUN
fsr-3374	39	5	find	find	VERB
fsr-3374	39	6	that	that	SCONJ
fsr-3374	39	7	knowledge	knowledge	NOUN
fsr-3374	39	8	and	and	CCONJ
fsr-3374	39	9	confidence	confidence	NOUN
fsr-3374	39	10	are	be	AUX
fsr-3374	39	11	correlated	correlate	VERB
fsr-3374	39	12	positively	positively	ADV
fsr-3374	39	13	with	with	ADP
fsr-3374	39	14	the	the	DET
fsr-3374	39	15	use	use	NOUN
fsr-3374	39	16	of	of	ADP
fsr-3374	39	17	financial	financial	ADJ
fsr-3374	39	18	advice	advice	NOUN
fsr-3374	39	19	(	(	PUNCT
fsr-3374	39	20	calcagno	calcagno	NOUN
fsr-3374	39	21	and	and	CCONJ
fsr-3374	39	22	monticone	monticone	NOUN
fsr-3374	39	23	,	,	PUNCT
fsr-3374	39	24	2014	2014	NUM
fsr-3374	39	25	;	;	PUNCT
fsr-3374	39	26	collins	collin	NOUN
fsr-3374	39	27	,	,	PUNCT
fsr-3374	39	28	2012	2012	NUM
fsr-3374	39	29	;	;	PUNCT
fsr-3374	39	30	inderst	inderst	ADJ
fsr-3374	39	31	and	and	CCONJ
fsr-3374	39	32	ottaviani	ottaviani	ADJ
fsr-3374	39	33	,	,	PUNCT
fsr-3374	39	34	2012	2012	NUM
fsr-3374	39	35	;	;	PUNCT
fsr-3374	39	36	robb	robb	VERB
fsr-3374	39	37	et	et	PROPN
fsr-3374	39	38	al	al	PROPN
fsr-3374	39	39	.	.	PROPN
fsr-3374	39	40	,	,	PUNCT
fsr-3374	39	41	2012	2012	NUM
fsr-3374	39	42	)	)	PUNCT
fsr-3374	39	43	.	.	PUNCT
fsr-3374	40	1	the	the	DET
fsr-3374	40	2	literature	literature	NOUN
fsr-3374	40	3	also	also	ADV
fsr-3374	40	4	investigates	investigate	VERB
fsr-3374	40	5	the	the	DET
fsr-3374	40	6	determinants	determinant	NOUN
fsr-3374	40	7	of	of	ADP
fsr-3374	40	8	advice	advice	NOUN
fsr-3374	40	9	-	-	PUNCT
fsr-3374	40	10	seeking	seek	VERB
fsr-3374	40	11	behavior	behavior	NOUN
fsr-3374	40	12	from	from	ADP
fsr-3374	40	13	other	other	ADJ
fsr-3374	40	14	angles	angle	NOUN
fsr-3374	40	15	.	.	PUNCT
fsr-3374	41	1	studies	study	NOUN
fsr-3374	41	2	about	about	ADP
fsr-3374	41	3	the	the	DET
fsr-3374	41	4	sources	source	NOUN
fsr-3374	41	5	of	of	ADP
fsr-3374	41	6	advice	advice	NOUN
fsr-3374	41	7	examine	examine	VERB
fsr-3374	41	8	an	an	DET
fsr-3374	41	9	individual	individual	NOUN
fsr-3374	41	10	’s	’s	PART
fsr-3374	41	11	tendency	tendency	NOUN
fsr-3374	41	12	to	to	PART
fsr-3374	41	13	seek	seek	VERB
fsr-3374	41	14	financial	financial	ADJ
fsr-3374	41	15	advice	advice	NOUN
fsr-3374	41	16	from	from	ADP
fsr-3374	41	17	nonprofessional	nonprofessional	ADJ
fsr-3374	41	18	versus	versus	ADP
fsr-3374	41	19	professional	professional	ADJ
fsr-3374	41	20	sources	source	NOUN
fsr-3374	41	21	(	(	PUNCT
fsr-3374	41	22	grable	grable	NOUN
fsr-3374	41	23	and	and	CCONJ
fsr-3374	41	24	joo	joo	NOUN
fsr-3374	41	25	,	,	PUNCT
fsr-3374	41	26	2001	2001	NUM
fsr-3374	41	27	)	)	PUNCT
fsr-3374	41	28	,	,	PUNCT
fsr-3374	41	29	bank	bank	NOUN
fsr-3374	41	30	-	-	PUNCT
fsr-3374	41	31	affiliated	affiliate	VERB
fsr-3374	41	32	versus	versus	ADP
fsr-3374	41	33	independent	independent	ADJ
fsr-3374	41	34	advisers	adviser	NOUN
fsr-3374	41	35	(	(	PUNCT
fsr-3374	41	36	hackethal	hackethal	PROPN
fsr-3374	41	37	et	et	PROPN
fsr-3374	41	38	al	al	PROPN
fsr-3374	41	39	.	.	PROPN
fsr-3374	41	40	,	,	PUNCT
fsr-3374	41	41	2012	2012	NUM
fsr-3374	41	42	)	)	PUNCT
fsr-3374	41	43	,	,	PUNCT
fsr-3374	41	44	social	social	ADJ
fsr-3374	41	45	networks	network	NOUN
fsr-3374	41	46	versus	versus	ADP
fsr-3374	41	47	paid	pay	VERB
fsr-3374	41	48	advisers	adviser	NOUN
fsr-3374	41	49	(	(	PUNCT
fsr-3374	41	50	chang	chang	PROPN
fsr-3374	41	51	,	,	PUNCT
fsr-3374	41	52	2005	2005	NUM
fsr-3374	41	53	;	;	PUNCT
fsr-3374	41	54	loibla	loibla	PROPN
fsr-3374	41	55	and	and	CCONJ
fsr-3374	41	56	hira	hira	PROPN
fsr-3374	41	57	,	,	PUNCT
fsr-3374	41	58	2006	2006	NUM
fsr-3374	41	59	)	)	PUNCT
fsr-3374	41	60	,	,	PUNCT
fsr-3374	41	61	and	and	CCONJ
fsr-3374	41	62	the	the	DET
fsr-3374	41	63	use	use	NOUN
fsr-3374	41	64	of	of	ADP
fsr-3374	41	65	financial	financial	ADJ
fsr-3374	41	66	planners	planner	NOUN
fsr-3374	41	67	(	(	PUNCT
fsr-3374	41	68	hanna	hanna	PROPN
fsr-3374	41	69	,	,	PUNCT
fsr-3374	41	70	2011	2011	NUM
fsr-3374	41	71	;	;	PUNCT
fsr-3374	41	72	letkiewicz	letkiewicz	NOUN
fsr-3374	41	73	,	,	PUNCT
fsr-3374	41	74	robinson	robinson	PROPN
fsr-3374	41	75	,	,	PUNCT
fsr-3374	41	76	and	and	CCONJ
fsr-3374	41	77	domian	domian	PROPN
fsr-3374	41	78	,	,	PUNCT
fsr-3374	41	79	2016	2016	NUM
fsr-3374	41	80	)	)	PUNCT
fsr-3374	41	81	.	.	PUNCT
fsr-3374	42	1	studies	study	NOUN
fsr-3374	42	2	that	that	PRON
fsr-3374	42	3	examine	examine	VERB
fsr-3374	42	4	advice	advice	NOUN
fsr-3374	42	5	seeking	seek	VERB
fsr-3374	42	6	by	by	ADP
fsr-3374	42	7	certain	certain	ADJ
fsr-3374	42	8	groups	group	NOUN
fsr-3374	42	9	focus	focus	VERB
fsr-3374	42	10	on	on	ADP
fsr-3374	42	11	less	less	ADV
fsr-3374	42	12	-	-	PUNCT
fsr-3374	42	13	sophisticated	sophisticated	ADJ
fsr-3374	42	14	or	or	CCONJ
fsr-3374	42	15	low	low	ADJ
fsr-3374	42	16	-	-	PUNCT
fsr-3374	42	17	income	income	NOUN
fsr-3374	42	18	clients	client	NOUN
fsr-3374	42	19	(	(	PUNCT
fsr-3374	42	20	kramer	kramer	PROPN
fsr-3374	42	21	,	,	PUNCT
fsr-3374	42	22	2012	2012	NUM
fsr-3374	42	23	;	;	PUNCT
fsr-3374	42	24	tang	tang	NOUN
fsr-3374	42	25	and	and	CCONJ
fsr-3374	42	26	lachance	lachance	NOUN
fsr-3374	42	27	,	,	PUNCT
fsr-3374	42	28	2012	2012	NUM
fsr-3374	42	29	)	)	PUNCT
fsr-3374	42	30	,	,	PUNCT
fsr-3374	42	31	older	old	ADJ
fsr-3374	42	32	adults	adult	NOUN
fsr-3374	42	33	(	(	PUNCT
fsr-3374	42	34	cummings	cumming	NOUN
fsr-3374	42	35	and	and	CCONJ
fsr-3374	42	36	james	james	PROPN
fsr-3374	42	37	,	,	PUNCT
fsr-3374	42	38	2014	2014	NUM
fsr-3374	42	39	)	)	PUNCT
fsr-3374	42	40	,	,	PUNCT
fsr-3374	42	41	affluent	affluent	ADJ
fsr-3374	42	42	retirees	retiree	NOUN
fsr-3374	42	43	(	(	PUNCT
fsr-3374	42	44	salter	salter	PROPN
fsr-3374	42	45	et	et	PROPN
fsr-3374	42	46	al	al	PROPN
fsr-3374	42	47	.	.	PROPN
fsr-3374	42	48	,	,	PUNCT
fsr-3374	42	49	2010	2010	NUM
fsr-3374	42	50	)	)	PUNCT
fsr-3374	42	51	,	,	PUNCT
fsr-3374	42	52	and	and	CCONJ
fsr-3374	42	53	the	the	DET
fsr-3374	42	54	middle	middle	ADJ
fsr-3374	42	55	class	class	NOUN
fsr-3374	42	56	(	(	PUNCT
fsr-3374	42	57	winchester	winchester	PROPN
fsr-3374	42	58	and	and	CCONJ
fsr-3374	42	59	huston	huston	PROPN
fsr-3374	42	60	,	,	PUNCT
fsr-3374	42	61	2015	2015	NUM
fsr-3374	42	62	)	)	PUNCT
fsr-3374	42	63	.	.	PUNCT
fsr-3374	43	1	they	they	PRON
fsr-3374	43	2	also	also	ADV
fsr-3374	43	3	examine	examine	VERB
fsr-3374	43	4	the	the	DET
fsr-3374	43	5	effects	effect	NOUN
fsr-3374	43	6	of	of	ADP
fsr-3374	43	7	financial	financial	ADJ
fsr-3374	43	8	literacy	literacy	NOUN
fsr-3374	43	9	on	on	ADP
fsr-3374	43	10	the	the	DET
fsr-3374	43	11	use	use	NOUN
fsr-3374	43	12	of	of	ADP
fsr-3374	43	13	financial	financial	ADJ
fsr-3374	43	14	advice	advice	NOUN
fsr-3374	43	15	(	(	PUNCT
fsr-3374	43	16	calcagno	calcagno	NOUN
fsr-3374	43	17	and	and	CCONJ
fsr-3374	43	18	monticone	monticone	NOUN
fsr-3374	43	19	,	,	PUNCT
fsr-3374	43	20	2014	2014	NUM
fsr-3374	43	21	;	;	PUNCT
fsr-3374	43	22	collins	collin	NOUN
fsr-3374	43	23	,	,	PUNCT
fsr-3374	43	24	2012	2012	NUM
fsr-3374	43	25	;	;	PUNCT
fsr-3374	43	26	robb	robb	VERB
fsr-3374	43	27	et	et	PROPN
fsr-3374	43	28	al	al	PROPN
fsr-3374	43	29	.	.	PROPN
fsr-3374	43	30	,	,	PUNCT
fsr-3374	43	31	2012	2012	NUM
fsr-3374	43	32	;	;	PUNCT
fsr-3374	43	33	seay	seay	PROPN
fsr-3374	43	34	et	et	PROPN
fsr-3374	43	35	al	al	PROPN
fsr-3374	43	36	.	.	PROPN
fsr-3374	43	37	,	,	PUNCT
fsr-3374	43	38	2016	2016	NUM
fsr-3374	43	39	)	)	PUNCT
fsr-3374	43	40	and	and	CCONJ
fsr-3374	43	41	the	the	DET
fsr-3374	43	42	determinants	determinant	NOUN
fsr-3374	43	43	of	of	ADP
fsr-3374	43	44	seeking	seek	VERB
fsr-3374	43	45	comprehensive	comprehensive	ADJ
fsr-3374	43	46	versus	versus	ADP
fsr-3374	43	47	partial	partial	ADJ
fsr-3374	43	48	financial	financial	ADJ
fsr-3374	43	49	advice	advice	NOUN
fsr-3374	43	50	(	(	PUNCT
fsr-3374	43	51	elmerick	elmerick	PROPN
fsr-3374	43	52	,	,	PUNCT
fsr-3374	43	53	montalto	montalto	NOUN
fsr-3374	43	54	,	,	PUNCT
fsr-3374	43	55	and	and	CCONJ
fsr-3374	43	56	fox	fox	PROPN
fsr-3374	43	57	,	,	PUNCT
fsr-3374	43	58	2002	2002	NUM
fsr-3374	43	59	;	;	PUNCT
fsr-3374	43	60	finke	finke	PROPN
fsr-3374	43	61	et	et	PROPN
fsr-3374	43	62	al	al	PROPN
fsr-3374	43	63	.	.	PROPN
fsr-3374	43	64	,	,	PUNCT
fsr-3374	43	65	2011	2011	NUM
fsr-3374	43	66	;	;	PUNCT
fsr-3374	43	67	tang	tang	NOUN
fsr-3374	43	68	and	and	CCONJ
fsr-3374	43	69	lachance	lachance	NOUN
fsr-3374	43	70	,	,	PUNCT
fsr-3374	43	71	2012	2012	NUM
fsr-3374	43	72	)	)	PUNCT
fsr-3374	43	73	.	.	PUNCT
fsr-3374	44	1	financial	financial	ADJ
fsr-3374	44	2	risk	risk	NOUN
fsr-3374	44	3	tolerance	tolerance	NOUN
fsr-3374	44	4	and	and	CCONJ
fsr-3374	44	5	financial	financial	ADJ
fsr-3374	44	6	satisfaction	satisfaction	NOUN
fsr-3374	44	7	have	have	AUX
fsr-3374	44	8	been	be	AUX
fsr-3374	44	9	found	find	VERB
fsr-3374	44	10	to	to	PART
fsr-3374	44	11	play	play	VERB
fsr-3374	44	12	a	a	DET
fsr-3374	44	13	role	role	NOUN
fsr-3374	44	14	in	in	ADP
fsr-3374	44	15	determining	determine	VERB
fsr-3374	44	16	whether	whether	SCONJ
fsr-3374	44	17	people	people	NOUN
fsr-3374	44	18	seek	seek	VERB
fsr-3374	44	19	financial	financial	ADJ
fsr-3374	44	20	help	help	NOUN
fsr-3374	44	21	from	from	ADP
fsr-3374	44	22	professionals	professional	NOUN
fsr-3374	44	23	or	or	CCONJ
fsr-3374	44	24	nonprofessionals	nonprofessional	NOUN
fsr-3374	44	25	such	such	ADJ
fsr-3374	44	26	as	as	ADP
fsr-3374	44	27	family	family	NOUN
fsr-3374	44	28	members	member	NOUN
fsr-3374	44	29	,	,	PUNCT
fsr-3374	44	30	friends	friend	NOUN
fsr-3374	44	31	,	,	PUNCT
fsr-3374	44	32	or	or	CCONJ
fsr-3374	44	33	work	work	NOUN
fsr-3374	44	34	colleagues	colleague	NOUN
fsr-3374	44	35	(	(	PUNCT
fsr-3374	44	36	grable	grable	NOUN
fsr-3374	44	37	and	and	CCONJ
fsr-3374	44	38	joo	joo	NOUN
fsr-3374	44	39	,	,	PUNCT
fsr-3374	44	40	2001	2001	NUM
fsr-3374	44	41	;	;	PUNCT
fsr-3374	44	42	lin	lin	PROPN
fsr-3374	44	43	and	and	CCONJ
fsr-3374	44	44	lee	lee	PROPN
fsr-3374	44	45	,	,	PUNCT
fsr-3374	44	46	2004	2004	NUM
fsr-3374	44	47	)	)	PUNCT
fsr-3374	44	48	.	.	PUNCT
fsr-3374	45	1	chang	chang	PROPN
fsr-3374	45	2	(	(	PUNCT
fsr-3374	45	3	2005	2005	NUM
fsr-3374	45	4	)	)	PUNCT
fsr-3374	45	5	finds	find	VERB
fsr-3374	45	6	that	that	SCONJ
fsr-3374	45	7	low	low	ADJ
fsr-3374	45	8	socioeconomic	socioeconomic	ADJ
fsr-3374	45	9	status	status	NOUN
fsr-3374	45	10	affects	affect	VERB
fsr-3374	45	11	people	people	NOUN
fsr-3374	45	12	’s	’s	PART
fsr-3374	45	13	decisions	decision	NOUN
fsr-3374	45	14	to	to	PART
fsr-3374	45	15	seek	seek	VERB
fsr-3374	45	16	information	information	NOUN
fsr-3374	45	17	about	about	ADP
fsr-3374	45	18	investment	investment	NOUN
fsr-3374	45	19	and	and	CCONJ
fsr-3374	45	20	savings	saving	NOUN
fsr-3374	45	21	from	from	ADP
fsr-3374	45	22	their	their	PRON
fsr-3374	45	23	social	social	ADJ
fsr-3374	45	24	network	network	NOUN
fsr-3374	45	25	rather	rather	ADV
fsr-3374	45	26	than	than	ADP
fsr-3374	45	27	from	from	ADP
fsr-3374	45	28	paid	pay	VERB
fsr-3374	45	29	financial	financial	ADJ
fsr-3374	45	30	advisers	adviser	NOUN
fsr-3374	45	31	.	.	PUNCT
fsr-3374	46	1	elmerick	elmerick	VERB
fsr-3374	46	2	et	et	PROPN
fsr-3374	46	3	al	al	PROPN
fsr-3374	46	4	.	.	PROPN
fsr-3374	47	1	(	(	PUNCT
fsr-3374	47	2	2002	2002	NUM
fsr-3374	47	3	)	)	PUNCT
fsr-3374	47	4	find	find	VERB
fsr-3374	47	5	that	that	SCONJ
fsr-3374	47	6	the	the	DET
fsr-3374	47	7	determinants	determinant	NOUN
fsr-3374	47	8	of	of	ADP
fsr-3374	47	9	seeking	seek	VERB
fsr-3374	47	10	comprehensive	comprehensive	ADJ
fsr-3374	47	11	financial	financial	ADJ
fsr-3374	47	12	advice	advice	NOUN
fsr-3374	47	13	and	and	CCONJ
fsr-3374	47	14	seeking	seek	VERB
fsr-3374	47	15	advice	advice	NOUN
fsr-3374	47	16	regarding	regard	VERB
fsr-3374	47	17	savings	saving	NOUN
fsr-3374	47	18	and	and	CCONJ
fsr-3374	47	19	investment	investment	NOUN
fsr-3374	47	20	are	be	AUX
fsr-3374	47	21	different	different	ADJ
fsr-3374	47	22	from	from	ADP
fsr-3374	47	23	the	the	DET
fsr-3374	47	24	determinants	determinant	NOUN
fsr-3374	47	25	of	of	ADP
fsr-3374	47	26	seeking	seek	VERB
fsr-3374	47	27	advice	advice	NOUN
fsr-3374	47	28	regarding	regard	VERB
fsr-3374	47	29	debt	debt	NOUN
fsr-3374	47	30	and	and	CCONJ
fsr-3374	47	31	borrowing	borrowing	NOUN
fsr-3374	47	32	.	.	PUNCT
fsr-3374	48	1	education	education	NOUN
fsr-3374	48	2	,	,	PUNCT
fsr-3374	48	3	income	income	NOUN
fsr-3374	48	4	,	,	PUNCT
fsr-3374	48	5	net	net	ADJ
fsr-3374	48	6	worth	worth	NOUN
fsr-3374	48	7	,	,	PUNCT
fsr-3374	48	8	and	and	CCONJ
fsr-3374	48	9	financial	financial	ADJ
fsr-3374	48	10	assets	asset	NOUN
fsr-3374	48	11	are	be	AUX
fsr-3374	48	12	related	relate	VERB
fsr-3374	48	13	positively	positively	ADV
fsr-3374	48	14	to	to	ADP
fsr-3374	48	15	the	the	DET
fsr-3374	48	16	probability	probability	NOUN
fsr-3374	48	17	of	of	ADP
fsr-3374	48	18	seeking	seek	VERB
fsr-3374	48	19	comprehensive	comprehensive	ADJ
fsr-3374	48	20	financial	financial	ADJ
fsr-3374	48	21	advice	advice	NOUN
fsr-3374	48	22	,	,	PUNCT
fsr-3374	48	23	while	while	SCONJ
fsr-3374	48	24	age	age	NOUN
fsr-3374	48	25	is	be	AUX
fsr-3374	48	26	related	relate	VERB
fsr-3374	48	27	negatively	negatively	ADV
fsr-3374	48	28	to	to	ADP
fsr-3374	48	29	the	the	DET
fsr-3374	48	30	use	use	NOUN
fsr-3374	48	31	of	of	ADP
fsr-3374	48	32	comprehensive	comprehensive	ADJ
fsr-3374	48	33	financial	financial	ADJ
fsr-3374	48	34	planners	planner	NOUN
fsr-3374	48	35	.	.	PUNCT
fsr-3374	49	1	hanna	hanna	PROPN
fsr-3374	49	2	(	(	PUNCT
fsr-3374	49	3	2011	2011	NUM
fsr-3374	49	4	)	)	PUNCT
fsr-3374	49	5	studies	study	NOUN
fsr-3374	49	6	the	the	DET
fsr-3374	49	7	demand	demand	NOUN
fsr-3374	49	8	for	for	ADP
fsr-3374	49	9	personal	personal	ADJ
fsr-3374	49	10	financial	financial	ADJ
fsr-3374	49	11	planners	planner	NOUN
fsr-3374	49	12	and	and	CCONJ
fsr-3374	49	13	finds	find	VERB
fsr-3374	49	14	that	that	SCONJ
fsr-3374	49	15	age	age	NOUN
fsr-3374	49	16	increases	increase	VERB
fsr-3374	49	17	the	the	DET
fsr-3374	49	18	likelihood	likelihood	NOUN
fsr-3374	49	19	of	of	ADP
fsr-3374	49	20	using	use	VERB
fsr-3374	49	21	a	a	DET
fsr-3374	49	22	planner	planner	NOUN
fsr-3374	49	23	until	until	ADP
fsr-3374	49	24	the	the	DET
fsr-3374	49	25	age	age	NOUN
fsr-3374	49	26	of	of	ADP
fsr-3374	49	27	42	42	NUM
fsr-3374	49	28	then	then	ADV
fsr-3374	49	29	decreases	decrease	VERB
fsr-3374	49	30	it	it	PRON
fsr-3374	49	31	.	.	PUNCT
fsr-3374	50	1	the	the	DET
fsr-3374	50	2	determinants	determinant	NOUN
fsr-3374	50	3	that	that	PRON
fsr-3374	50	4	increase	increase	VERB
fsr-3374	50	5	the	the	DET
fsr-3374	50	6	likelihood	likelihood	NOUN
fsr-3374	50	7	of	of	ADP
fsr-3374	50	8	using	use	VERB
fsr-3374	50	9	a	a	DET
fsr-3374	50	10	financial	financial	ADJ
fsr-3374	50	11	planner	planner	NOUN
fsr-3374	50	12	include	include	VERB
fsr-3374	50	13	education	education	NOUN
fsr-3374	50	14	,	,	PUNCT
fsr-3374	50	15	risk	risk	NOUN
fsr-3374	50	16	tolerance	tolerance	NOUN
fsr-3374	50	17	,	,	PUNCT
fsr-3374	50	18	being	be	AUX
fsr-3374	50	19	a	a	DET
fsr-3374	50	20	single	single	ADJ
fsr-3374	50	21	-	-	PUNCT
fsr-3374	50	22	female	female	NOUN
fsr-3374	50	23	-	-	PUNCT
fsr-3374	50	24	headed	head	VERB
fsr-3374	50	25	household	household	NOUN
fsr-3374	50	26	,	,	PUNCT
fsr-3374	50	27	and	and	CCONJ
fsr-3374	50	28	being	be	AUX
fsr-3374	50	29	black	black	ADJ
fsr-3374	50	30	(	(	PUNCT
fsr-3374	50	31	hanna	hanna	NOUN
fsr-3374	50	32	,	,	PUNCT
fsr-3374	50	33	2011	2011	NUM
fsr-3374	50	34	)	)	PUNCT
fsr-3374	50	35	.	.	PUNCT
fsr-3374	51	1	cummings	cummings	PROPN
fsr-3374	51	2	and	and	CCONJ
fsr-3374	51	3	james	james	PROPN
fsr-3374	51	4	(	(	PUNCT
fsr-3374	51	5	2014	2014	NUM
fsr-3374	51	6	)	)	PUNCT
fsr-3374	51	7	examine	examine	VERB
fsr-3374	51	8	the	the	DET
fsr-3374	51	9	factors	factor	NOUN
fsr-3374	51	10	that	that	PRON
fsr-3374	51	11	influence	influence	VERB
fsr-3374	51	12	the	the	DET
fsr-3374	51	13	decision	decision	NOUN
fsr-3374	51	14	to	to	PART
fsr-3374	51	15	begin	begin	VERB
fsr-3374	51	16	or	or	CCONJ
fsr-3374	51	17	discontinue	discontinue	VERB
fsr-3374	51	18	the	the	DET
fsr-3374	51	19	use	use	NOUN
fsr-3374	51	20	of	of	ADP
fsr-3374	51	21	financial	financial	ADJ
fsr-3374	51	22	advisers	adviser	NOUN
fsr-3374	51	23	among	among	ADP
fsr-3374	51	24	older	old	ADJ
fsr-3374	51	25	adults	adult	NOUN
fsr-3374	51	26	and	and	CCONJ
fsr-3374	51	27	find	find	VERB
fsr-3374	51	28	that	that	SCONJ
fsr-3374	51	29	becoming	become	VERB
fsr-3374	51	30	wid407m.h	wid407m.h	NOUN
fsr-3374	51	31	.	.	PUNCT
fsr-3374	52	1	alyousif	alyousif	PROPN
fsr-3374	52	2	,	,	PUNCT
fsr-3374	52	3	c.m	c.m	PROPN
fsr-3374	52	4	.	.	PROPN
fsr-3374	52	5	kalenkoski	kalenkoski	PROPN
fsr-3374	52	6	/	/	SYM
fsr-3374	52	7	financial	financial	ADJ
fsr-3374	52	8	services	service	NOUN
fsr-3374	52	9	review	review	VERB
fsr-3374	52	10	26	26	NUM
fsr-3374	52	11	(	(	PUNCT
fsr-3374	52	12	2017	2017	NUM
fsr-3374	52	13	)	)	PUNCT
fsr-3374	53	1	405–432	405–432	NUM
fsr-3374	53	2	owed	owe	VERB
fsr-3374	53	3	,	,	PUNCT
fsr-3374	53	4	receiving	receive	VERB
fsr-3374	53	5	family	family	NOUN
fsr-3374	53	6	help	help	NOUN
fsr-3374	53	7	,	,	PUNCT
fsr-3374	53	8	and	and	CCONJ
fsr-3374	53	9	experiencing	experience	VERB
fsr-3374	53	10	an	an	DET
fsr-3374	53	11	increase	increase	NOUN
fsr-3374	53	12	in	in	ADP
fsr-3374	53	13	income	income	NOUN
fsr-3374	53	14	or	or	CCONJ
fsr-3374	53	15	net	net	ADJ
fsr-3374	53	16	worth	worth	NOUN
fsr-3374	53	17	are	be	AUX
fsr-3374	53	18	significant	significant	ADJ
fsr-3374	53	19	factors	factor	NOUN
fsr-3374	53	20	in	in	ADP
fsr-3374	53	21	influencing	influence	VERB
fsr-3374	53	22	the	the	DET
fsr-3374	53	23	demand	demand	NOUN
fsr-3374	53	24	for	for	ADP
fsr-3374	53	25	financial	financial	ADJ
fsr-3374	53	26	advisers	adviser	NOUN
fsr-3374	53	27	.	.	PUNCT
fsr-3374	54	1	studying	study	VERB
fsr-3374	54	2	the	the	DET
fsr-3374	54	3	sentiment	sentiment	NOUN
fsr-3374	54	4	of	of	ADP
fsr-3374	54	5	financial	financial	ADJ
fsr-3374	54	6	-	-	PUNCT
fsr-3374	54	7	advice	advice	NOUN
fsr-3374	54	8	-	-	PUNCT
fsr-3374	54	9	seeking	seek	VERB
fsr-3374	54	10	behavior	behavior	NOUN
fsr-3374	54	11	among	among	ADP
fsr-3374	54	12	the	the	DET
fsr-3374	54	13	middle	middle	ADJ
fsr-3374	54	14	class	class	NOUN
fsr-3374	54	15	,	,	PUNCT
fsr-3374	54	16	winchester	winchester	PROPN
fsr-3374	54	17	and	and	CCONJ
fsr-3374	54	18	huston	huston	PROPN
fsr-3374	54	19	(	(	PUNCT
fsr-3374	54	20	2015	2015	NUM
fsr-3374	54	21	)	)	PUNCT
fsr-3374	54	22	find	find	VERB
fsr-3374	54	23	that	that	SCONJ
fsr-3374	54	24	the	the	DET
fsr-3374	54	25	expected	expect	VERB
fsr-3374	54	26	benefit	benefit	NOUN
fsr-3374	54	27	relative	relative	ADJ
fsr-3374	54	28	to	to	ADP
fsr-3374	54	29	income	income	NOUN
fsr-3374	54	30	is	be	AUX
fsr-3374	54	31	a	a	DET
fsr-3374	54	32	more	more	ADV
fsr-3374	54	33	significant	significant	ADJ
fsr-3374	54	34	determinant	determinant	ADJ
fsr-3374	54	35	of	of	ADP
fsr-3374	54	36	seeking	seek	VERB
fsr-3374	54	37	financial	financial	ADJ
fsr-3374	54	38	advice	advice	NOUN
fsr-3374	54	39	than	than	ADP
fsr-3374	54	40	individuals	individual	NOUN
fsr-3374	54	41	’	’	PART
fsr-3374	54	42	attitudes	attitude	NOUN
fsr-3374	54	43	regarding	regard	VERB
fsr-3374	54	44	cost	cost	NOUN
fsr-3374	54	45	.	.	PUNCT
fsr-3374	55	1	financial	financial	ADJ
fsr-3374	55	2	literacy	literacy	NOUN
fsr-3374	55	3	increases	increase	VERB
fsr-3374	55	4	the	the	DET
fsr-3374	55	5	probability	probability	NOUN
fsr-3374	55	6	of	of	ADP
fsr-3374	55	7	seeking	seek	VERB
fsr-3374	55	8	financial	financial	ADJ
fsr-3374	55	9	advice	advice	NOUN
fsr-3374	55	10	(	(	PUNCT
fsr-3374	55	11	calcagno	calcagno	NOUN
fsr-3374	55	12	and	and	CCONJ
fsr-3374	55	13	monticone	monticone	NOUN
fsr-3374	55	14	,	,	PUNCT
fsr-3374	55	15	2014	2014	NUM
fsr-3374	55	16	)	)	PUNCT
fsr-3374	55	17	,	,	PUNCT
fsr-3374	55	18	and	and	CCONJ
fsr-3374	55	19	such	such	ADJ
fsr-3374	55	20	advice	advice	NOUN
fsr-3374	55	21	is	be	AUX
fsr-3374	55	22	a	a	DET
fsr-3374	55	23	complement	complement	NOUN
fsr-3374	55	24	to	to	ADP
fsr-3374	55	25	rather	rather	ADV
fsr-3374	55	26	than	than	ADP
fsr-3374	55	27	a	a	DET
fsr-3374	55	28	substitute	substitute	NOUN
fsr-3374	55	29	for	for	ADP
fsr-3374	55	30	financial	financial	ADJ
fsr-3374	55	31	capability	capability	NOUN
fsr-3374	55	32	(	(	PUNCT
fsr-3374	55	33	collins	collin	NOUN
fsr-3374	55	34	,	,	PUNCT
fsr-3374	55	35	2012	2012	NUM
fsr-3374	55	36	)	)	PUNCT
fsr-3374	55	37	.	.	PUNCT
fsr-3374	56	1	as	as	ADP
fsr-3374	56	2	income	income	NOUN
fsr-3374	56	3	,	,	PUNCT
fsr-3374	56	4	education	education	NOUN
fsr-3374	56	5	,	,	PUNCT
fsr-3374	56	6	and	and	CCONJ
fsr-3374	56	7	financial	financial	ADJ
fsr-3374	56	8	knowledge	knowledge	NOUN
fsr-3374	56	9	increase	increase	NOUN
fsr-3374	56	10	,	,	PUNCT
fsr-3374	56	11	the	the	DET
fsr-3374	56	12	likelihood	likelihood	NOUN
fsr-3374	56	13	of	of	ADP
fsr-3374	56	14	seeking	seek	VERB
fsr-3374	56	15	financial	financial	ADJ
fsr-3374	56	16	advice	advice	NOUN
fsr-3374	56	17	increases	increase	NOUN
fsr-3374	56	18	;	;	PUNCT
fsr-3374	56	19	however	however	ADV
fsr-3374	56	20	,	,	PUNCT
fsr-3374	56	21	self	self	NOUN
fsr-3374	56	22	-	-	PUNCT
fsr-3374	56	23	assessment	assessment	NOUN
fsr-3374	56	24	of	of	ADP
fsr-3374	56	25	financial	financial	ADJ
fsr-3374	56	26	literacy	literacy	NOUN
fsr-3374	56	27	is	be	AUX
fsr-3374	56	28	related	relate	VERB
fsr-3374	56	29	negatively	negatively	ADV
fsr-3374	56	30	to	to	ADP
fsr-3374	56	31	seeking	seek	VERB
fsr-3374	56	32	financial	financial	ADJ
fsr-3374	56	33	advice	advice	NOUN
fsr-3374	56	34	,	,	PUNCT
fsr-3374	56	35	while	while	SCONJ
fsr-3374	56	36	measured	measure	VERB
fsr-3374	56	37	financial	financial	ADJ
fsr-3374	56	38	literacy	literacy	NOUN
fsr-3374	56	39	has	have	VERB
fsr-3374	56	40	no	no	DET
fsr-3374	56	41	effect	effect	NOUN
fsr-3374	56	42	on	on	ADP
fsr-3374	56	43	the	the	DET
fsr-3374	56	44	demand	demand	NOUN
fsr-3374	56	45	for	for	ADP
fsr-3374	56	46	such	such	ADJ
fsr-3374	56	47	advice	advice	NOUN
fsr-3374	56	48	(	(	PUNCT
fsr-3374	56	49	kramer	kramer	PROPN
fsr-3374	56	50	,	,	PUNCT
fsr-3374	56	51	2016	2016	NUM
fsr-3374	56	52	)	)	PUNCT
fsr-3374	56	53	.	.	PUNCT
fsr-3374	57	1	this	this	DET
fsr-3374	57	2	article	article	NOUN
fsr-3374	57	3	contributes	contribute	VERB
fsr-3374	57	4	to	to	ADP
fsr-3374	57	5	the	the	DET
fsr-3374	57	6	literature	literature	NOUN
fsr-3374	57	7	that	that	PRON
fsr-3374	57	8	examines	examine	VERB
fsr-3374	57	9	the	the	DET
fsr-3374	57	10	determinants	determinant	NOUN
fsr-3374	57	11	of	of	ADP
fsr-3374	57	12	seeking	seek	VERB
fsr-3374	57	13	professional	professional	ADJ
fsr-3374	57	14	financial	financial	ADJ
fsr-3374	57	15	guidance	guidance	NOUN
fsr-3374	57	16	by	by	ADP
fsr-3374	57	17	focusing	focus	VERB
fsr-3374	57	18	on	on	ADP
fsr-3374	57	19	five	five	NUM
fsr-3374	57	20	specific	specific	ADJ
fsr-3374	57	21	types	type	NOUN
fsr-3374	57	22	of	of	ADP
fsr-3374	57	23	financial	financial	ADJ
fsr-3374	57	24	advice	advice	NOUN
fsr-3374	57	25	and	and	CCONJ
fsr-3374	57	26	investigating	investigate	VERB
fsr-3374	57	27	three	three	NUM
fsr-3374	57	28	subsamples	subsample	NOUN
fsr-3374	57	29	that	that	PRON
fsr-3374	57	30	are	be	AUX
fsr-3374	57	31	defined	define	VERB
fsr-3374	57	32	by	by	ADP
fsr-3374	57	33	gender	gender	NOUN
fsr-3374	57	34	,	,	PUNCT
fsr-3374	57	35	age	age	NOUN
fsr-3374	57	36	,	,	PUNCT
fsr-3374	57	37	and	and	CCONJ
fsr-3374	57	38	financial	financial	ADJ
fsr-3374	57	39	literacy	literacy	NOUN
fsr-3374	57	40	.	.	PUNCT
fsr-3374	58	1	because	because	SCONJ
fsr-3374	58	2	each	each	DET
fsr-3374	58	3	type	type	NOUN
fsr-3374	58	4	of	of	ADP
fsr-3374	58	5	financial	financial	ADJ
fsr-3374	58	6	advice	advice	NOUN
fsr-3374	58	7	has	have	VERB
fsr-3374	58	8	a	a	DET
fsr-3374	58	9	specific	specific	ADJ
fsr-3374	58	10	purpose	purpose	NOUN
fsr-3374	58	11	,	,	PUNCT
fsr-3374	58	12	studying	study	VERB
fsr-3374	58	13	the	the	DET
fsr-3374	58	14	determinants	determinant	NOUN
fsr-3374	58	15	of	of	ADP
fsr-3374	58	16	seeking	seek	VERB
fsr-3374	58	17	advice	advice	NOUN
fsr-3374	58	18	about	about	ADP
fsr-3374	58	19	debt	debt	NOUN
fsr-3374	58	20	,	,	PUNCT
fsr-3374	58	21	savings	saving	NOUN
fsr-3374	58	22	/	/	SYM
fsr-3374	58	23	investment	investment	NOUN
fsr-3374	58	24	,	,	PUNCT
fsr-3374	58	25	mortgages	mortgage	NOUN
fsr-3374	58	26	/	/	SYM
fsr-3374	58	27	loans	loan	NOUN
fsr-3374	58	28	,	,	PUNCT
fsr-3374	58	29	insurance	insurance	NOUN
fsr-3374	58	30	,	,	PUNCT
fsr-3374	58	31	and	and	CCONJ
fsr-3374	58	32	tax	tax	NOUN
fsr-3374	58	33	planning	planning	NOUN
fsr-3374	58	34	provides	provide	VERB
fsr-3374	58	35	valuable	valuable	ADJ
fsr-3374	58	36	insights	insight	NOUN
fsr-3374	58	37	into	into	ADP
fsr-3374	58	38	advice	advice	NOUN
fsr-3374	58	39	-	-	PUNCT
fsr-3374	58	40	seeking	seek	VERB
fsr-3374	58	41	behavior	behavior	NOUN
fsr-3374	58	42	.	.	PUNCT
fsr-3374	59	1	in	in	ADP
fsr-3374	59	2	addition	addition	NOUN
fsr-3374	59	3	to	to	ADP
fsr-3374	59	4	financial	financial	ADJ
fsr-3374	59	5	knowledge	knowledge	NOUN
fsr-3374	59	6	and	and	CCONJ
fsr-3374	59	7	risk	risk	NOUN
fsr-3374	59	8	attitudes	attitude	NOUN
fsr-3374	59	9	that	that	PRON
fsr-3374	59	10	robb	robb	VERB
fsr-3374	59	11	et	et	PROPN
fsr-3374	59	12	al	al	PROPN
fsr-3374	59	13	.	.	PROPN
fsr-3374	60	1	(	(	PUNCT
fsr-3374	60	2	2012	2012	NUM
fsr-3374	60	3	)	)	PUNCT
fsr-3374	60	4	examine	examine	VERB
fsr-3374	60	5	in	in	ADP
fsr-3374	60	6	their	their	PRON
fsr-3374	60	7	study	study	NOUN
fsr-3374	60	8	,	,	PUNCT
fsr-3374	60	9	this	this	DET
fsr-3374	60	10	article	article	NOUN
fsr-3374	60	11	constructs	construct	VERB
fsr-3374	60	12	two	two	NUM
fsr-3374	60	13	variables	variable	NOUN
fsr-3374	60	14	,	,	PUNCT
fsr-3374	60	15	financial	financial	ADJ
fsr-3374	60	16	fragility	fragility	NOUN
fsr-3374	60	17	and	and	CCONJ
fsr-3374	60	18	financial	financial	ADJ
fsr-3374	60	19	literacy	literacy	NOUN
fsr-3374	60	20	,	,	PUNCT
fsr-3374	60	21	to	to	PART
fsr-3374	60	22	comprehend	comprehend	VERB
fsr-3374	60	23	the	the	DET
fsr-3374	60	24	effect	effect	NOUN
fsr-3374	60	25	of	of	ADP
fsr-3374	60	26	financial	financial	ADJ
fsr-3374	60	27	difficulty	difficulty	NOUN
fsr-3374	60	28	and	and	CCONJ
fsr-3374	60	29	the	the	DET
fsr-3374	60	30	grasp	grasp	NOUN
fsr-3374	60	31	of	of	ADP
fsr-3374	60	32	basic	basic	ADJ
fsr-3374	60	33	financial	financial	ADJ
fsr-3374	60	34	concepts	concept	NOUN
fsr-3374	60	35	on	on	ADP
fsr-3374	60	36	seeking	seek	VERB
fsr-3374	60	37	financial	financial	ADJ
fsr-3374	60	38	advice	advice	NOUN
fsr-3374	60	39	.	.	PUNCT
fsr-3374	61	1	the	the	DET
fsr-3374	61	2	focus	focus	NOUN
fsr-3374	61	3	on	on	ADP
fsr-3374	61	4	females	female	NOUN
fsr-3374	61	5	,	,	PUNCT
fsr-3374	61	6	the	the	DET
fsr-3374	61	7	young	young	ADJ
fsr-3374	61	8	,	,	PUNCT
fsr-3374	61	9	and	and	CCONJ
fsr-3374	61	10	the	the	DET
fsr-3374	61	11	financially	financially	ADV
fsr-3374	61	12	illiterate	illiterate	ADJ
fsr-3374	61	13	is	be	AUX
fsr-3374	61	14	related	relate	VERB
fsr-3374	61	15	to	to	ADP
fsr-3374	61	16	specific	specific	ADJ
fsr-3374	61	17	characteristics	characteristic	NOUN
fsr-3374	61	18	,	,	PUNCT
fsr-3374	61	19	examined	examine	VERB
fsr-3374	61	20	in	in	ADP
fsr-3374	61	21	the	the	DET
fsr-3374	61	22	empirical	empirical	ADJ
fsr-3374	61	23	literature	literature	NOUN
fsr-3374	61	24	,	,	PUNCT
fsr-3374	61	25	that	that	PRON
fsr-3374	61	26	distinguish	distinguish	VERB
fsr-3374	61	27	and	and	CCONJ
fsr-3374	61	28	influence	influence	VERB
fsr-3374	61	29	the	the	DET
fsr-3374	61	30	financial	financial	ADJ
fsr-3374	61	31	behavior	behavior	NOUN
fsr-3374	61	32	of	of	ADP
fsr-3374	61	33	these	these	DET
fsr-3374	61	34	subsamples	subsample	NOUN
fsr-3374	61	35	.	.	PUNCT
fsr-3374	62	1	females	female	NOUN
fsr-3374	62	2	and	and	CCONJ
fsr-3374	62	3	young	young	ADJ
fsr-3374	62	4	respondents	respondent	NOUN
fsr-3374	62	5	are	be	AUX
fsr-3374	62	6	most	most	ADV
fsr-3374	62	7	likely	likely	ADJ
fsr-3374	62	8	to	to	PART
fsr-3374	62	9	experience	experience	VERB
fsr-3374	62	10	financial	financial	ADJ
fsr-3374	62	11	stress	stress	NOUN
fsr-3374	62	12	and	and	CCONJ
fsr-3374	62	13	difficulties	difficulty	NOUN
fsr-3374	62	14	(	(	PUNCT
fsr-3374	62	15	orc	orc	NOUN
fsr-3374	62	16	,	,	PUNCT
fsr-3374	62	17	2015	2015	NUM
fsr-3374	62	18	;	;	PUNCT
fsr-3374	62	19	simms	simms	PROPN
fsr-3374	62	20	,	,	PUNCT
fsr-3374	62	21	2014	2014	NUM
fsr-3374	62	22	)	)	PUNCT
fsr-3374	62	23	,	,	PUNCT
fsr-3374	62	24	and	and	CCONJ
fsr-3374	62	25	the	the	DET
fsr-3374	62	26	financially	financially	ADV
fsr-3374	62	27	illiterate	illiterate	ADJ
fsr-3374	62	28	are	be	AUX
fsr-3374	62	29	susceptible	susceptible	ADJ
fsr-3374	62	30	to	to	ADP
fsr-3374	62	31	suboptimal	suboptimal	ADJ
fsr-3374	62	32	financial	financial	ADJ
fsr-3374	62	33	decisions	decision	NOUN
fsr-3374	62	34	(	(	PUNCT
fsr-3374	62	35	lusardi	lusardi	NOUN
fsr-3374	62	36	,	,	PUNCT
fsr-3374	62	37	2008	2008	NUM
fsr-3374	62	38	;	;	PUNCT
fsr-3374	62	39	lusardi	lusardi	NOUN
fsr-3374	62	40	and	and	CCONJ
fsr-3374	62	41	mitchell	mitchell	PROPN
fsr-3374	62	42	,	,	PUNCT
fsr-3374	62	43	2009	2009	NUM
fsr-3374	62	44	;	;	PUNCT
fsr-3374	62	45	lusardi	lusardi	NOUN
fsr-3374	62	46	and	and	CCONJ
fsr-3374	62	47	tufano	tufano	ADJ
fsr-3374	62	48	,	,	PUNCT
fsr-3374	62	49	2009	2009	NUM
fsr-3374	62	50	;	;	PUNCT
fsr-3374	62	51	van	van	PROPN
fsr-3374	62	52	rooij	rooij	NOUN
fsr-3374	62	53	,	,	PUNCT
fsr-3374	62	54	lusardi	lusardi	NOUN
fsr-3374	62	55	,	,	PUNCT
fsr-3374	62	56	and	and	CCONJ
fsr-3374	62	57	alessie	alessie	ADJ
fsr-3374	62	58	,	,	PUNCT
fsr-3374	62	59	2011	2011	NUM
fsr-3374	62	60	)	)	PUNCT
fsr-3374	62	61	.	.	PUNCT
fsr-3374	63	1	the	the	DET
fsr-3374	63	2	empirical	empirical	ADJ
fsr-3374	63	3	literature	literature	NOUN
fsr-3374	63	4	about	about	ADP
fsr-3374	63	5	gender	gender	NOUN
fsr-3374	63	6	differences	difference	NOUN
fsr-3374	63	7	in	in	ADP
fsr-3374	63	8	financial	financial	ADJ
fsr-3374	63	9	knowledge	knowledge	NOUN
fsr-3374	63	10	finds	find	VERB
fsr-3374	63	11	that	that	SCONJ
fsr-3374	63	12	females	female	NOUN
fsr-3374	63	13	score	score	VERB
fsr-3374	63	14	lower	low	ADJ
fsr-3374	63	15	than	than	ADP
fsr-3374	63	16	males	male	NOUN
fsr-3374	63	17	in	in	ADP
fsr-3374	63	18	financial	financial	ADJ
fsr-3374	63	19	literacy	literacy	NOUN
fsr-3374	63	20	tests	test	NOUN
fsr-3374	63	21	,	,	PUNCT
fsr-3374	63	22	are	be	AUX
fsr-3374	63	23	more	more	ADV
fsr-3374	63	24	likely	likely	ADJ
fsr-3374	63	25	to	to	PART
fsr-3374	63	26	be	be	AUX
fsr-3374	63	27	dissatisfied	dissatisfied	ADJ
fsr-3374	63	28	with	with	ADP
fsr-3374	63	29	their	their	PRON
fsr-3374	63	30	personal	personal	ADJ
fsr-3374	63	31	financial	financial	ADJ
fsr-3374	63	32	situation	situation	NOUN
fsr-3374	63	33	,	,	PUNCT
fsr-3374	63	34	and	and	CCONJ
fsr-3374	63	35	are	be	AUX
fsr-3374	63	36	less	less	ADV
fsr-3374	63	37	confident	confident	ADJ
fsr-3374	63	38	in	in	ADP
fsr-3374	63	39	their	their	PRON
fsr-3374	63	40	financial	financial	ADJ
fsr-3374	63	41	skills	skill	NOUN
fsr-3374	63	42	and	and	CCONJ
fsr-3374	63	43	their	their	PRON
fsr-3374	63	44	ability	ability	NOUN
fsr-3374	63	45	to	to	PART
fsr-3374	63	46	manage	manage	VERB
fsr-3374	63	47	financial	financial	ADJ
fsr-3374	63	48	emergencies	emergency	NOUN
fsr-3374	63	49	(	(	PUNCT
fsr-3374	63	50	goldsmith	goldsmith	NOUN
fsr-3374	63	51	and	and	CCONJ
fsr-3374	63	52	goldsmith	goldsmith	NOUN
fsr-3374	63	53	,	,	PUNCT
fsr-3374	63	54	2006	2006	NUM
fsr-3374	63	55	;	;	PUNCT
fsr-3374	63	56	hira	hira	PROPN
fsr-3374	63	57	and	and	CCONJ
fsr-3374	63	58	mugenda	mugenda	ADJ
fsr-3374	63	59	,	,	PUNCT
fsr-3374	63	60	2000	2000	NUM
fsr-3374	63	61	;	;	PUNCT
fsr-3374	63	62	hung	hung	PROPN
fsr-3374	63	63	,	,	PUNCT
fsr-3374	63	64	yoong	yoong	PROPN
fsr-3374	63	65	,	,	PUNCT
fsr-3374	63	66	and	and	CCONJ
fsr-3374	63	67	brown	brown	ADJ
fsr-3374	63	68	,	,	PUNCT
fsr-3374	63	69	2012	2012	NUM
fsr-3374	63	70	)	)	PUNCT
fsr-3374	63	71	.	.	PUNCT
fsr-3374	64	1	gender	gender	NOUN
fsr-3374	64	2	differences	difference	NOUN
fsr-3374	64	3	in	in	ADP
fsr-3374	64	4	investment	investment	NOUN
fsr-3374	64	5	knowledge	knowledge	NOUN
fsr-3374	64	6	,	,	PUNCT
fsr-3374	64	7	financial	financial	ADJ
fsr-3374	64	8	skills	skill	NOUN
fsr-3374	64	9	,	,	PUNCT
fsr-3374	64	10	and	and	CCONJ
fsr-3374	64	11	risk	risk	NOUN
fsr-3374	64	12	tolerance	tolerance	NOUN
fsr-3374	64	13	between	between	ADP
fsr-3374	64	14	females	female	NOUN
fsr-3374	64	15	and	and	CCONJ
fsr-3374	64	16	males	male	NOUN
fsr-3374	64	17	might	might	AUX
fsr-3374	64	18	explain	explain	VERB
fsr-3374	64	19	and	and	CCONJ
fsr-3374	64	20	exacerbate	exacerbate	VERB
fsr-3374	64	21	the	the	DET
fsr-3374	64	22	economic	economic	ADJ
fsr-3374	64	23	status	status	NOUN
fsr-3374	64	24	disadvantage	disadvantage	NOUN
fsr-3374	64	25	of	of	ADP
fsr-3374	64	26	females	female	NOUN
fsr-3374	64	27	that	that	PRON
fsr-3374	64	28	manifests	manifest	VERB
fsr-3374	64	29	in	in	ADP
fsr-3374	64	30	lower	low	ADJ
fsr-3374	64	31	lifetime	lifetime	NOUN
fsr-3374	64	32	earnings	earning	NOUN
fsr-3374	64	33	,	,	PUNCT
fsr-3374	64	34	lower	low	ADJ
fsr-3374	64	35	wealth	wealth	NOUN
fsr-3374	64	36	,	,	PUNCT
fsr-3374	64	37	and	and	CCONJ
fsr-3374	64	38	lower	low	ADJ
fsr-3374	64	39	retirement	retirement	NOUN
fsr-3374	64	40	-	-	PUNCT
fsr-3374	64	41	plan	plan	NOUN
fsr-3374	64	42	participation	participation	NOUN
fsr-3374	64	43	(	(	PUNCT
fsr-3374	64	44	bajtelsmit	bajtelsmit	NOUN
fsr-3374	64	45	and	and	CCONJ
fsr-3374	64	46	bernasek	bernasek	VERB
fsr-3374	64	47	,	,	PUNCT
fsr-3374	64	48	1996	1996	NUM
fsr-3374	64	49	;	;	PUNCT
fsr-3374	64	50	hung	hang	VERB
fsr-3374	64	51	et	et	PROPN
fsr-3374	64	52	al	al	PROPN
fsr-3374	64	53	.	.	PROPN
fsr-3374	64	54	,	,	PUNCT
fsr-3374	64	55	2012	2012	NUM
fsr-3374	64	56	)	)	PUNCT
fsr-3374	64	57	.	.	PUNCT
fsr-3374	65	1	while	while	SCONJ
fsr-3374	65	2	females	female	NOUN
fsr-3374	65	3	are	be	AUX
fsr-3374	65	4	more	more	ADV
fsr-3374	65	5	patient	patient	ADJ
fsr-3374	65	6	than	than	ADP
fsr-3374	65	7	males	male	NOUN
fsr-3374	65	8	in	in	ADP
fsr-3374	65	9	the	the	DET
fsr-3374	65	10	measurement	measurement	NOUN
fsr-3374	65	11	of	of	ADP
fsr-3374	65	12	rate	rate	NOUN
fsr-3374	65	13	of	of	ADP
fsr-3374	65	14	time	time	NOUN
fsr-3374	65	15	preference	preference	NOUN
fsr-3374	65	16	,	,	PUNCT
fsr-3374	65	17	they	they	PRON
fsr-3374	65	18	exhibit	exhibit	VERB
fsr-3374	65	19	more	more	ADJ
fsr-3374	65	20	risk	risk	NOUN
fsr-3374	65	21	aversion	aversion	NOUN
fsr-3374	65	22	and	and	CCONJ
fsr-3374	65	23	less	less	ADJ
fsr-3374	65	24	interest	interest	NOUN
fsr-3374	65	25	in	in	ADP
fsr-3374	65	26	financial	financial	ADJ
fsr-3374	65	27	subjects	subject	NOUN
fsr-3374	65	28	(	(	PUNCT
fsr-3374	65	29	donkers	donker	NOUN
fsr-3374	65	30	and	and	CCONJ
fsr-3374	65	31	van	van	PROPN
fsr-3374	65	32	soest	so	ADJ
fsr-3374	65	33	,	,	PUNCT
fsr-3374	65	34	1999	1999	NUM
fsr-3374	65	35	)	)	PUNCT
fsr-3374	65	36	.	.	PUNCT
fsr-3374	66	1	the	the	DET
fsr-3374	66	2	gender	gender	NOUN
fsr-3374	66	3	role	role	NOUN
fsr-3374	66	4	differences	difference	NOUN
fsr-3374	66	5	and	and	CCONJ
fsr-3374	66	6	division	division	NOUN
fsr-3374	66	7	of	of	ADP
fsr-3374	66	8	labor	labor	NOUN
fsr-3374	66	9	within	within	ADP
fsr-3374	66	10	households	household	NOUN
fsr-3374	66	11	provide	provide	VERB
fsr-3374	66	12	another	another	DET
fsr-3374	66	13	explanation	explanation	NOUN
fsr-3374	66	14	for	for	ADP
fsr-3374	66	15	the	the	DET
fsr-3374	66	16	disparity	disparity	NOUN
fsr-3374	66	17	in	in	ADP
fsr-3374	66	18	the	the	DET
fsr-3374	66	19	consumption	consumption	NOUN
fsr-3374	66	20	of	of	ADP
fsr-3374	66	21	financial	financial	ADJ
fsr-3374	66	22	services	service	NOUN
fsr-3374	66	23	(	(	PUNCT
fsr-3374	66	24	burton	burton	PROPN
fsr-3374	66	25	,	,	PUNCT
fsr-3374	66	26	1995	1995	NUM
fsr-3374	66	27	;	;	PUNCT
fsr-3374	66	28	morris	morris	PROPN
fsr-3374	66	29	and	and	CCONJ
fsr-3374	66	30	meyer	meyer	PROPN
fsr-3374	66	31	,	,	PUNCT
fsr-3374	66	32	1993	1993	NUM
fsr-3374	66	33	)	)	PUNCT
fsr-3374	66	34	.	.	PUNCT
fsr-3374	67	1	the	the	DET
fsr-3374	67	2	literature	literature	NOUN
fsr-3374	67	3	on	on	ADP
fsr-3374	67	4	financial	financial	ADJ
fsr-3374	67	5	competency	competency	NOUN
fsr-3374	67	6	among	among	ADP
fsr-3374	67	7	young	young	ADJ
fsr-3374	67	8	adults	adult	NOUN
fsr-3374	67	9	shows	show	VERB
fsr-3374	67	10	weak	weak	ADJ
fsr-3374	67	11	financial	financial	ADJ
fsr-3374	67	12	literacy	literacy	NOUN
fsr-3374	67	13	and	and	CCONJ
fsr-3374	67	14	a	a	DET
fsr-3374	67	15	lack	lack	NOUN
fsr-3374	67	16	of	of	ADP
fsr-3374	67	17	understanding	understanding	NOUN
fsr-3374	67	18	of	of	ADP
fsr-3374	67	19	basic	basic	ADJ
fsr-3374	67	20	financial	financial	ADJ
fsr-3374	67	21	knowledge	knowledge	NOUN
fsr-3374	67	22	,	,	PUNCT
fsr-3374	67	23	which	which	PRON
fsr-3374	67	24	affect	affect	VERB
fsr-3374	67	25	the	the	DET
fsr-3374	67	26	quality	quality	NOUN
fsr-3374	67	27	of	of	ADP
fsr-3374	67	28	their	their	PRON
fsr-3374	67	29	financial	financial	ADJ
fsr-3374	67	30	decisions	decision	NOUN
fsr-3374	67	31	and	and	CCONJ
fsr-3374	67	32	lead	lead	VERB
fsr-3374	67	33	them	they	PRON
fsr-3374	67	34	to	to	PART
fsr-3374	67	35	commit	commit	VERB
fsr-3374	67	36	costly	costly	ADJ
fsr-3374	67	37	financial	financial	ADJ
fsr-3374	67	38	mistakes	mistake	NOUN
fsr-3374	67	39	(	(	PUNCT
fsr-3374	67	40	lusardi	lusardi	NOUN
fsr-3374	67	41	,	,	PUNCT
fsr-3374	67	42	2008	2008	NUM
fsr-3374	67	43	;	;	PUNCT
fsr-3374	67	44	lusardi	lusardi	NOUN
fsr-3374	67	45	and	and	CCONJ
fsr-3374	67	46	mitchell	mitchell	PROPN
fsr-3374	67	47	,	,	PUNCT
fsr-3374	67	48	2014	2014	NUM
fsr-3374	67	49	;	;	PUNCT
fsr-3374	67	50	lusardi	lusardi	PROPN
fsr-3374	67	51	,	,	PUNCT
fsr-3374	67	52	mitchell	mitchell	PROPN
fsr-3374	67	53	,	,	PUNCT
fsr-3374	67	54	and	and	CCONJ
fsr-3374	67	55	curto	curto	NOUN
fsr-3374	67	56	,	,	PUNCT
fsr-3374	67	57	2010	2010	NUM
fsr-3374	67	58	)	)	PUNCT
fsr-3374	67	59	.	.	PUNCT
fsr-3374	68	1	a	a	DET
fsr-3374	68	2	high	high	ADJ
fsr-3374	68	3	level	level	NOUN
fsr-3374	68	4	of	of	ADP
fsr-3374	68	5	debt	debt	NOUN
fsr-3374	68	6	at	at	ADP
fsr-3374	68	7	an	an	DET
fsr-3374	68	8	early	early	ADJ
fsr-3374	68	9	age	age	NOUN
fsr-3374	68	10	,	,	PUNCT
fsr-3374	68	11	for	for	ADP
fsr-3374	68	12	example	example	NOUN
fsr-3374	68	13	,	,	PUNCT
fsr-3374	68	14	impedes	impede	VERB
fsr-3374	68	15	the	the	DET
fsr-3374	68	16	accumulation	accumulation	NOUN
fsr-3374	68	17	of	of	ADP
fsr-3374	68	18	wealth	wealth	NOUN
fsr-3374	68	19	and	and	CCONJ
fsr-3374	68	20	forestalls	forestall	VERB
fsr-3374	68	21	their	their	PRON
fsr-3374	68	22	contributions	contribution	NOUN
fsr-3374	68	23	to	to	PART
fsr-3374	68	24	employer408	employer408	VERB
fsr-3374	68	25	m.h	m.h	PROPN
fsr-3374	68	26	.	.	PROPN
fsr-3374	68	27	alyousif	alyousif	PROPN
fsr-3374	68	28	,	,	PUNCT
fsr-3374	68	29	c.m	c.m	PROPN
fsr-3374	68	30	.	.	PROPN
fsr-3374	68	31	kalenkoski	kalenkoski	PROPN
fsr-3374	68	32	/	/	SYM
fsr-3374	68	33	financial	financial	ADJ
fsr-3374	68	34	services	service	NOUN
fsr-3374	68	35	review	review	VERB
fsr-3374	68	36	26	26	NUM
fsr-3374	68	37	(	(	PUNCT
fsr-3374	68	38	2017	2017	NUM
fsr-3374	68	39	)	)	PUNCT
fsr-3374	69	1	405–432	405–432	NUM
fsr-3374	69	2	provided	provide	VERB
fsr-3374	69	3	retirement	retirement	NOUN
fsr-3374	69	4	plans	plan	NOUN
fsr-3374	69	5	(	(	PUNCT
fsr-3374	69	6	lusardi	lusardi	PROPN
fsr-3374	69	7	et	et	PROPN
fsr-3374	69	8	al	al	PROPN
fsr-3374	69	9	.	.	PROPN
fsr-3374	69	10	,	,	PUNCT
fsr-3374	69	11	2010	2010	NUM
fsr-3374	69	12	)	)	PUNCT
fsr-3374	69	13	.	.	PUNCT
fsr-3374	70	1	additionally	additionally	ADV
fsr-3374	70	2	,	,	PUNCT
fsr-3374	70	3	weak	weak	ADJ
fsr-3374	70	4	financial	financial	ADJ
fsr-3374	70	5	numeracy	numeracy	NOUN
fsr-3374	70	6	has	have	VERB
fsr-3374	70	7	negative	negative	ADJ
fsr-3374	70	8	impacts	impact	NOUN
fsr-3374	70	9	on	on	ADP
fsr-3374	70	10	critical	critical	ADJ
fsr-3374	70	11	decisions	decision	NOUN
fsr-3374	70	12	related	relate	VERB
fsr-3374	70	13	to	to	ADP
fsr-3374	70	14	financing	finance	VERB
fsr-3374	70	15	an	an	DET
fsr-3374	70	16	education	education	NOUN
fsr-3374	70	17	and	and	CCONJ
fsr-3374	70	18	making	make	VERB
fsr-3374	70	19	major	major	ADJ
fsr-3374	70	20	purchases	purchase	NOUN
fsr-3374	70	21	such	such	ADJ
fsr-3374	70	22	as	as	ADP
fsr-3374	70	23	buying	buy	VERB
fsr-3374	70	24	a	a	DET
fsr-3374	70	25	car	car	NOUN
fsr-3374	70	26	(	(	PUNCT
fsr-3374	70	27	lusardi	lusardi	NOUN
fsr-3374	70	28	,	,	PUNCT
fsr-3374	70	29	2012	2012	NUM
fsr-3374	70	30	)	)	PUNCT
fsr-3374	70	31	.	.	PUNCT
fsr-3374	71	1	laibson	laibson	PROPN
fsr-3374	71	2	,	,	PUNCT
fsr-3374	71	3	gabaix	gabaix	NOUN
fsr-3374	71	4	,	,	PUNCT
fsr-3374	71	5	driscoll	driscoll	NOUN
fsr-3374	71	6	,	,	PUNCT
fsr-3374	71	7	and	and	CCONJ
fsr-3374	71	8	agarwal	agarwal	PROPN
fsr-3374	71	9	(	(	PUNCT
fsr-3374	71	10	2007	2007	NUM
fsr-3374	71	11	)	)	PUNCT
fsr-3374	71	12	find	find	VERB
fsr-3374	71	13	that	that	SCONJ
fsr-3374	71	14	financial	financial	ADJ
fsr-3374	71	15	sophistication	sophistication	NOUN
fsr-3374	71	16	has	have	VERB
fsr-3374	71	17	a	a	DET
fsr-3374	71	18	hump	hump	NOUN
fsr-3374	71	19	-	-	PUNCT
fsr-3374	71	20	shaped	shape	VERB
fsr-3374	71	21	pattern	pattern	NOUN
fsr-3374	71	22	,	,	PUNCT
fsr-3374	71	23	which	which	PRON
fsr-3374	71	24	could	could	AUX
fsr-3374	71	25	explain	explain	VERB
fsr-3374	71	26	the	the	DET
fsr-3374	71	27	high	high	ADJ
fsr-3374	71	28	borrowing	borrowing	NOUN
fsr-3374	71	29	costs	cost	NOUN
fsr-3374	71	30	in	in	ADP
fsr-3374	71	31	terms	term	NOUN
fsr-3374	71	32	of	of	ADP
fsr-3374	71	33	interest	interest	NOUN
fsr-3374	71	34	rates	rate	NOUN
fsr-3374	71	35	and	and	CCONJ
fsr-3374	71	36	fees	fee	NOUN
fsr-3374	71	37	by	by	ADP
fsr-3374	71	38	younger	young	ADJ
fsr-3374	71	39	and	and	CCONJ
fsr-3374	71	40	older	old	ADJ
fsr-3374	71	41	adults	adult	NOUN
fsr-3374	71	42	.	.	PUNCT
fsr-3374	72	1	research	research	NOUN
fsr-3374	72	2	indicates	indicate	VERB
fsr-3374	72	3	that	that	SCONJ
fsr-3374	72	4	financial	financial	ADJ
fsr-3374	72	5	literacy	literacy	NOUN
fsr-3374	72	6	influences	influence	VERB
fsr-3374	72	7	financial	financial	ADJ
fsr-3374	72	8	-	-	PUNCT
fsr-3374	72	9	decision	decision	NOUN
fsr-3374	72	10	making	making	NOUN
fsr-3374	72	11	and	and	CCONJ
fsr-3374	72	12	that	that	SCONJ
fsr-3374	72	13	the	the	DET
fsr-3374	72	14	understanding	understanding	NOUN
fsr-3374	72	15	of	of	ADP
fsr-3374	72	16	basic	basic	ADJ
fsr-3374	72	17	financial	financial	ADJ
fsr-3374	72	18	concepts	concept	NOUN
fsr-3374	72	19	is	be	AUX
fsr-3374	72	20	associated	associate	VERB
fsr-3374	72	21	with	with	ADP
fsr-3374	72	22	retirement	retirement	NOUN
fsr-3374	72	23	planning	planning	NOUN
fsr-3374	72	24	,	,	PUNCT
fsr-3374	72	25	stock	stock	NOUN
fsr-3374	72	26	market	market	NOUN
fsr-3374	72	27	participation	participation	NOUN
fsr-3374	72	28	,	,	PUNCT
fsr-3374	72	29	and	and	CCONJ
fsr-3374	72	30	individuals	individual	NOUN
fsr-3374	72	31	’	’	PART
fsr-3374	72	32	borrowing	borrowing	NOUN
fsr-3374	72	33	behavior	behavior	NOUN
fsr-3374	72	34	(	(	PUNCT
fsr-3374	72	35	hastings	hastings	PROPN
fsr-3374	72	36	and	and	CCONJ
fsr-3374	72	37	mitchell	mitchell	PROPN
fsr-3374	72	38	,	,	PUNCT
fsr-3374	72	39	2011	2011	NUM
fsr-3374	72	40	;	;	PUNCT
fsr-3374	72	41	lusardi	lusardi	PROPN
fsr-3374	72	42	,	,	PUNCT
fsr-3374	72	43	2008	2008	NUM
fsr-3374	72	44	;	;	PUNCT
fsr-3374	72	45	lusardi	lusardi	NOUN
fsr-3374	72	46	and	and	CCONJ
fsr-3374	72	47	mitchell	mitchell	PROPN
fsr-3374	72	48	,	,	PUNCT
fsr-3374	72	49	2009	2009	NUM
fsr-3374	72	50	;	;	PUNCT
fsr-3374	72	51	van	van	PROPN
fsr-3374	72	52	rooij	rooij	NOUN
fsr-3374	72	53	et	et	PROPN
fsr-3374	72	54	al	al	PROPN
fsr-3374	72	55	.	.	PROPN
fsr-3374	72	56	,	,	PUNCT
fsr-3374	72	57	2011	2011	NUM
fsr-3374	72	58	)	)	PUNCT
fsr-3374	72	59	.	.	PUNCT
fsr-3374	73	1	individuals	individual	NOUN
fsr-3374	73	2	who	who	PRON
fsr-3374	73	3	are	be	AUX
fsr-3374	73	4	not	not	PART
fsr-3374	73	5	financially	financially	ADV
fsr-3374	73	6	sophisticated	sophisticated	ADJ
fsr-3374	73	7	are	be	AUX
fsr-3374	73	8	less	less	ADV
fsr-3374	73	9	likely	likely	ADJ
fsr-3374	73	10	to	to	PART
fsr-3374	73	11	own	own	VERB
fsr-3374	73	12	stocks	stock	NOUN
fsr-3374	73	13	because	because	SCONJ
fsr-3374	73	14	they	they	PRON
fsr-3374	73	15	do	do	AUX
fsr-3374	73	16	not	not	PART
fsr-3374	73	17	comprehend	comprehend	VERB
fsr-3374	73	18	the	the	DET
fsr-3374	73	19	working	working	NOUN
fsr-3374	73	20	of	of	ADP
fsr-3374	73	21	financial	financial	ADJ
fsr-3374	73	22	markets	market	NOUN
fsr-3374	73	23	and	and	CCONJ
fsr-3374	73	24	asset	asset	NOUN
fsr-3374	73	25	pricing	pricing	NOUN
fsr-3374	73	26	and	and	CCONJ
fsr-3374	73	27	are	be	AUX
fsr-3374	73	28	more	more	ADV
fsr-3374	73	29	likely	likely	ADJ
fsr-3374	73	30	to	to	PART
fsr-3374	73	31	seek	seek	VERB
fsr-3374	73	32	financial	financial	ADJ
fsr-3374	73	33	advice	advice	NOUN
fsr-3374	73	34	from	from	ADP
fsr-3374	73	35	friends	friend	NOUN
fsr-3374	73	36	and	and	CCONJ
fsr-3374	73	37	family	family	NOUN
fsr-3374	73	38	members	member	NOUN
fsr-3374	73	39	than	than	ADP
fsr-3374	73	40	from	from	ADP
fsr-3374	73	41	financial	financial	ADJ
fsr-3374	73	42	professionals	professional	NOUN
fsr-3374	73	43	(	(	PUNCT
fsr-3374	73	44	van	van	PROPN
fsr-3374	73	45	rooij	rooij	NOUN
fsr-3374	73	46	et	et	PROPN
fsr-3374	73	47	al	al	PROPN
fsr-3374	73	48	.	.	PROPN
fsr-3374	73	49	,	,	PUNCT
fsr-3374	73	50	2011	2011	NUM
fsr-3374	73	51	)	)	PUNCT
fsr-3374	73	52	.	.	PUNCT
fsr-3374	74	1	3	3	X
fsr-3374	74	2	.	.	X
fsr-3374	74	3	data	datum	NOUN
fsr-3374	74	4	the	the	DET
fsr-3374	74	5	dependent	dependent	ADJ
fsr-3374	74	6	variables	variable	NOUN
fsr-3374	74	7	in	in	ADP
fsr-3374	74	8	the	the	DET
fsr-3374	74	9	analysis	analysis	NOUN
fsr-3374	74	10	in	in	ADP
fsr-3374	74	11	this	this	DET
fsr-3374	74	12	article	article	NOUN
fsr-3374	74	13	are	be	AUX
fsr-3374	74	14	indicators	indicator	NOUN
fsr-3374	74	15	for	for	ADP
fsr-3374	74	16	whether	whether	SCONJ
fsr-3374	74	17	or	or	CCONJ
fsr-3374	74	18	not	not	PART
fsr-3374	74	19	five	five	NUM
fsr-3374	74	20	different	different	ADJ
fsr-3374	74	21	types	type	NOUN
fsr-3374	74	22	of	of	ADP
fsr-3374	74	23	financial	financial	ADJ
fsr-3374	74	24	advice	advice	NOUN
fsr-3374	74	25	were	be	AUX
fsr-3374	74	26	sought	seek	VERB
fsr-3374	74	27	,	,	PUNCT
fsr-3374	74	28	debt	debt	NOUN
fsr-3374	74	29	counseling	counseling	NOUN
fsr-3374	74	30	,	,	PUNCT
fsr-3374	74	31	savings	saving	NOUN
fsr-3374	74	32	/	/	SYM
fsr-3374	74	33	investment	investment	NOUN
fsr-3374	74	34	,	,	PUNCT
fsr-3374	74	35	taking	take	VERB
fsr-3374	74	36	out	out	ADP
fsr-3374	74	37	a	a	DET
fsr-3374	74	38	mortgage	mortgage	NOUN
fsr-3374	74	39	/	/	SYM
fsr-3374	74	40	loan	loan	NOUN
fsr-3374	74	41	,	,	PUNCT
fsr-3374	74	42	insurance	insurance	NOUN
fsr-3374	74	43	of	of	ADP
fsr-3374	74	44	any	any	DET
fsr-3374	74	45	type	type	NOUN
fsr-3374	74	46	,	,	PUNCT
fsr-3374	74	47	and	and	CCONJ
fsr-3374	74	48	tax	tax	NOUN
fsr-3374	74	49	planning	planning	NOUN
fsr-3374	74	50	.	.	PUNCT
fsr-3374	75	1	each	each	DET
fsr-3374	75	2	variable	variable	NOUN
fsr-3374	75	3	takes	take	VERB
fsr-3374	75	4	a	a	DET
fsr-3374	75	5	value	value	NOUN
fsr-3374	75	6	of	of	ADP
fsr-3374	75	7	1	1	NUM
fsr-3374	75	8	if	if	SCONJ
fsr-3374	75	9	the	the	DET
fsr-3374	75	10	specific	specific	ADJ
fsr-3374	75	11	type	type	NOUN
fsr-3374	75	12	of	of	ADP
fsr-3374	75	13	advice	advice	NOUN
fsr-3374	75	14	was	be	AUX
fsr-3374	75	15	sought	seek	VERB
fsr-3374	75	16	from	from	ADP
fsr-3374	75	17	a	a	DET
fsr-3374	75	18	financial	financial	ADJ
fsr-3374	75	19	professional	professional	NOUN
fsr-3374	75	20	and	and	CCONJ
fsr-3374	75	21	0	0	NUM
fsr-3374	75	22	if	if	SCONJ
fsr-3374	75	23	it	it	PRON
fsr-3374	75	24	was	be	AUX
fsr-3374	75	25	not	not	PART
fsr-3374	75	26	.	.	PUNCT
fsr-3374	76	1	the	the	DET
fsr-3374	76	2	independent	independent	ADJ
fsr-3374	76	3	variables	variable	NOUN
fsr-3374	76	4	are	be	AUX
fsr-3374	76	5	gender	gender	NOUN
fsr-3374	76	6	,	,	PUNCT
fsr-3374	76	7	age	age	NOUN
fsr-3374	76	8	,	,	PUNCT
fsr-3374	76	9	race	race	NOUN
fsr-3374	76	10	,	,	PUNCT
fsr-3374	76	11	education	education	NOUN
fsr-3374	76	12	,	,	PUNCT
fsr-3374	76	13	marital	marital	ADJ
fsr-3374	76	14	status	status	NOUN
fsr-3374	76	15	,	,	PUNCT
fsr-3374	76	16	number	number	NOUN
fsr-3374	76	17	of	of	ADP
fsr-3374	76	18	children	child	NOUN
fsr-3374	76	19	,	,	PUNCT
fsr-3374	76	20	income	income	NOUN
fsr-3374	76	21	,	,	PUNCT
fsr-3374	76	22	risk	risk	NOUN
fsr-3374	76	23	tolerance	tolerance	NOUN
fsr-3374	76	24	,	,	PUNCT
fsr-3374	76	25	perceived	perceive	VERB
fsr-3374	76	26	financial	financial	ADJ
fsr-3374	76	27	knowledge	knowledge	NOUN
fsr-3374	76	28	,	,	PUNCT
fsr-3374	76	29	financial	financial	ADJ
fsr-3374	76	30	literacy	literacy	NOUN
fsr-3374	76	31	,	,	PUNCT
fsr-3374	76	32	and	and	CCONJ
fsr-3374	76	33	financial	financial	ADJ
fsr-3374	76	34	fragility	fragility	NOUN
fsr-3374	76	35	.	.	PUNCT
fsr-3374	77	1	because	because	SCONJ
fsr-3374	77	2	the	the	DET
fsr-3374	77	3	three	three	NUM
fsr-3374	77	4	subsamples	subsample	NOUN
fsr-3374	77	5	are	be	AUX
fsr-3374	77	6	defined	define	VERB
fsr-3374	77	7	by	by	ADP
fsr-3374	77	8	age	age	NOUN
fsr-3374	77	9	,	,	PUNCT
fsr-3374	77	10	gender	gender	NOUN
fsr-3374	77	11	,	,	PUNCT
fsr-3374	77	12	and	and	CCONJ
fsr-3374	77	13	financial	financial	ADJ
fsr-3374	77	14	literacy	literacy	NOUN
fsr-3374	77	15	,	,	PUNCT
fsr-3374	77	16	those	those	DET
fsr-3374	77	17	variables	variable	NOUN
fsr-3374	77	18	are	be	AUX
fsr-3374	77	19	excluded	exclude	VERB
fsr-3374	77	20	from	from	ADP
fsr-3374	77	21	their	their	PRON
fsr-3374	77	22	regressions	regression	NOUN
fsr-3374	77	23	.	.	PUNCT
fsr-3374	78	1	female	female	ADJ
fsr-3374	78	2	is	be	AUX
fsr-3374	78	3	a	a	DET
fsr-3374	78	4	dichotomous	dichotomous	ADJ
fsr-3374	78	5	variable	variable	NOUN
fsr-3374	78	6	that	that	PRON
fsr-3374	78	7	takes	take	VERB
fsr-3374	78	8	a	a	DET
fsr-3374	78	9	value	value	NOUN
fsr-3374	78	10	of	of	ADP
fsr-3374	78	11	1	1	NUM
fsr-3374	78	12	if	if	SCONJ
fsr-3374	78	13	the	the	DET
fsr-3374	78	14	respondent	respondent	NOUN
fsr-3374	78	15	is	be	AUX
fsr-3374	78	16	female	female	ADJ
fsr-3374	78	17	and	and	CCONJ
fsr-3374	78	18	0	0	NUM
fsr-3374	78	19	if	if	SCONJ
fsr-3374	78	20	the	the	DET
fsr-3374	78	21	respondent	respondent	NOUN
fsr-3374	78	22	is	be	AUX
fsr-3374	78	23	male	male	ADJ
fsr-3374	78	24	.	.	PUNCT
fsr-3374	79	1	age	age	NOUN
fsr-3374	79	2	is	be	AUX
fsr-3374	79	3	categorized	categorize	VERB
fsr-3374	79	4	into	into	ADP
fsr-3374	79	5	six	six	NUM
fsr-3374	79	6	ranges	range	NOUN
fsr-3374	79	7	:	:	PUNCT
fsr-3374	79	8	18–24	18–24	NUM
fsr-3374	79	9	,	,	PUNCT
fsr-3374	79	10	25–34	25–34	NUM
fsr-3374	79	11	,	,	PUNCT
fsr-3374	79	12	35–44	35–44	NUM
fsr-3374	79	13	,	,	PUNCT
fsr-3374	79	14	45–54	45–54	NUM
fsr-3374	79	15	,	,	PUNCT
fsr-3374	79	16	55–64	55–64	NUM
fsr-3374	79	17	,	,	PUNCT
fsr-3374	79	18	and	and	CCONJ
fsr-3374	79	19	65	65	NUM
fsr-3374	79	20	or	or	CCONJ
fsr-3374	79	21	more	more	ADJ
fsr-3374	79	22	.	.	PUNCT
fsr-3374	80	1	a	a	DET
fsr-3374	80	2	categorized	categorize	VERB
fsr-3374	80	3	dichotomous	dichotomous	ADJ
fsr-3374	80	4	variable	variable	NOUN
fsr-3374	80	5	for	for	ADP
fsr-3374	80	6	each	each	DET
fsr-3374	80	7	age	age	NOUN
fsr-3374	80	8	range	range	NOUN
fsr-3374	80	9	is	be	AUX
fsr-3374	80	10	defined	define	VERB
fsr-3374	80	11	(	(	PUNCT
fsr-3374	80	12	the	the	DET
fsr-3374	80	13	omitted	omit	VERB
fsr-3374	80	14	category	category	NOUN
fsr-3374	80	15	is	be	AUX
fsr-3374	80	16	65	65	NUM
fsr-3374	80	17	�	�	NOUN
fsr-3374	80	18	)	)	PUNCT
fsr-3374	80	19	.	.	PUNCT
fsr-3374	81	1	race	race	NOUN
fsr-3374	81	2	is	be	AUX
fsr-3374	81	3	a	a	DET
fsr-3374	81	4	dichotomous	dichotomous	ADJ
fsr-3374	81	5	variable	variable	NOUN
fsr-3374	81	6	that	that	PRON
fsr-3374	81	7	takes	take	VERB
fsr-3374	81	8	a	a	DET
fsr-3374	81	9	value	value	NOUN
fsr-3374	81	10	of	of	ADP
fsr-3374	81	11	1	1	NUM
fsr-3374	81	12	if	if	SCONJ
fsr-3374	81	13	the	the	DET
fsr-3374	81	14	respondent	respondent	NOUN
fsr-3374	81	15	is	be	AUX
fsr-3374	81	16	white	white	ADJ
fsr-3374	81	17	and	and	CCONJ
fsr-3374	81	18	0	0	NUM
fsr-3374	81	19	if	if	SCONJ
fsr-3374	81	20	the	the	DET
fsr-3374	81	21	respondent	respondent	NOUN
fsr-3374	81	22	is	be	AUX
fsr-3374	81	23	nonwhite.3	nonwhite.3	NOUN
fsr-3374	81	24	education	education	NOUN
fsr-3374	81	25	is	be	AUX
fsr-3374	81	26	categorized	categorize	VERB
fsr-3374	81	27	into	into	ADP
fsr-3374	81	28	three	three	NUM
fsr-3374	81	29	levels	level	NOUN
fsr-3374	81	30	:	:	PUNCT
fsr-3374	81	31	high	high	ADJ
fsr-3374	81	32	school	school	NOUN
fsr-3374	81	33	or	or	CCONJ
fsr-3374	81	34	less	less	ADJ
fsr-3374	81	35	,	,	PUNCT
fsr-3374	81	36	some	some	DET
fsr-3374	81	37	college	college	NOUN
fsr-3374	81	38	,	,	PUNCT
fsr-3374	81	39	and	and	CCONJ
fsr-3374	81	40	college	college	NOUN
fsr-3374	81	41	or	or	CCONJ
fsr-3374	81	42	more	more	ADJ
fsr-3374	81	43	(	(	PUNCT
fsr-3374	81	44	the	the	DET
fsr-3374	81	45	omitted	omit	VERB
fsr-3374	81	46	category	category	NOUN
fsr-3374	81	47	is	be	AUX
fsr-3374	81	48	college	college	NOUN
fsr-3374	81	49	or	or	CCONJ
fsr-3374	81	50	more	more	ADJ
fsr-3374	81	51	)	)	PUNCT
fsr-3374	81	52	.	.	PUNCT
fsr-3374	82	1	marital	marital	ADJ
fsr-3374	82	2	status	status	NOUN
fsr-3374	82	3	is	be	AUX
fsr-3374	82	4	categorized	categorize	VERB
fsr-3374	82	5	as	as	ADP
fsr-3374	82	6	married	married	ADJ
fsr-3374	82	7	,	,	PUNCT
fsr-3374	82	8	living	live	VERB
fsr-3374	82	9	with	with	ADP
fsr-3374	82	10	a	a	DET
fsr-3374	82	11	partner	partner	NOUN
fsr-3374	82	12	,	,	PUNCT
fsr-3374	82	13	and	and	CCONJ
fsr-3374	82	14	single	single	ADJ
fsr-3374	82	15	(	(	PUNCT
fsr-3374	82	16	the	the	DET
fsr-3374	82	17	omitted	omit	VERB
fsr-3374	82	18	category	category	NOUN
fsr-3374	82	19	is	be	AUX
fsr-3374	82	20	married	married	ADJ
fsr-3374	82	21	)	)	PUNCT
fsr-3374	82	22	.	.	PUNCT
fsr-3374	83	1	the	the	DET
fsr-3374	83	2	number	number	NOUN
fsr-3374	83	3	of	of	ADP
fsr-3374	83	4	financially	financially	ADV
fsr-3374	83	5	dependent	dependent	ADJ
fsr-3374	83	6	children	child	NOUN
fsr-3374	83	7	is	be	AUX
fsr-3374	83	8	categorized	categorize	VERB
fsr-3374	83	9	into	into	ADP
fsr-3374	83	10	five	five	NUM
fsr-3374	83	11	choices	choice	NOUN
fsr-3374	83	12	:	:	PUNCT
fsr-3374	83	13	not	not	PART
fsr-3374	83	14	having	have	VERB
fsr-3374	83	15	any	any	DET
fsr-3374	83	16	children	child	NOUN
fsr-3374	83	17	,	,	PUNCT
fsr-3374	83	18	having	have	VERB
fsr-3374	83	19	one	one	NUM
fsr-3374	83	20	child	child	NOUN
fsr-3374	83	21	,	,	PUNCT
fsr-3374	83	22	having	have	VERB
fsr-3374	83	23	two	two	NUM
fsr-3374	83	24	children	child	NOUN
fsr-3374	83	25	,	,	PUNCT
fsr-3374	83	26	having	have	VERB
fsr-3374	83	27	three	three	NUM
fsr-3374	83	28	children	child	NOUN
fsr-3374	83	29	,	,	PUNCT
fsr-3374	83	30	and	and	CCONJ
fsr-3374	83	31	having	have	VERB
fsr-3374	83	32	four	four	NUM
fsr-3374	83	33	children	child	NOUN
fsr-3374	83	34	or	or	CCONJ
fsr-3374	83	35	more	more	ADJ
fsr-3374	83	36	.	.	PUNCT
fsr-3374	84	1	the	the	DET
fsr-3374	84	2	omitted	omit	VERB
fsr-3374	84	3	category	category	NOUN
fsr-3374	84	4	is	be	AUX
fsr-3374	84	5	not	not	PART
fsr-3374	84	6	having	have	VERB
fsr-3374	84	7	any	any	DET
fsr-3374	84	8	children	child	NOUN
fsr-3374	84	9	.	.	PUNCT
fsr-3374	85	1	income	income	NOUN
fsr-3374	85	2	is	be	AUX
fsr-3374	85	3	categorized	categorize	VERB
fsr-3374	85	4	into	into	ADP
fsr-3374	85	5	eight	eight	NUM
fsr-3374	85	6	ranges	range	NOUN
fsr-3374	85	7	,	,	PUNCT
fsr-3374	85	8	and	and	CCONJ
fsr-3374	85	9	for	for	ADP
fsr-3374	85	10	each	each	DET
fsr-3374	85	11	range	range	NOUN
fsr-3374	85	12	a	a	DET
fsr-3374	85	13	dichotomous	dichotomous	ADJ
fsr-3374	85	14	variable	variable	NOUN
fsr-3374	85	15	is	be	AUX
fsr-3374	85	16	defined	define	VERB
fsr-3374	85	17	.	.	PUNCT
fsr-3374	86	1	the	the	DET
fsr-3374	86	2	comparison	comparison	NOUN
fsr-3374	86	3	group	group	NOUN
fsr-3374	86	4	is	be	AUX
fsr-3374	86	5	less	less	ADJ
fsr-3374	86	6	than	than	ADP
fsr-3374	86	7	$	$	SYM
fsr-3374	86	8	15,000	15,000	NUM
fsr-3374	86	9	.	.	PUNCT
fsr-3374	87	1	the	the	DET
fsr-3374	87	2	risk	risk	NOUN
fsr-3374	87	3	tolerance	tolerance	NOUN
fsr-3374	87	4	variable	variable	NOUN
fsr-3374	87	5	is	be	AUX
fsr-3374	87	6	a	a	DET
fsr-3374	87	7	subjective	subjective	ADJ
fsr-3374	87	8	answer	answer	NOUN
fsr-3374	87	9	by	by	ADP
fsr-3374	87	10	respondents	respondent	NOUN
fsr-3374	87	11	to	to	ADP
fsr-3374	87	12	the	the	DET
fsr-3374	87	13	following	following	ADJ
fsr-3374	87	14	question	question	NOUN
fsr-3374	87	15	:	:	PUNCT
fsr-3374	87	16	“	"	PUNCT
fsr-3374	87	17	when	when	SCONJ
fsr-3374	87	18	thinking	think	VERB
fsr-3374	87	19	of	of	ADP
fsr-3374	87	20	your	your	PRON
fsr-3374	87	21	financial	financial	ADJ
fsr-3374	87	22	investment	investment	NOUN
fsr-3374	87	23	,	,	PUNCT
fsr-3374	87	24	how	how	SCONJ
fsr-3374	87	25	willing	willing	ADJ
fsr-3374	87	26	are	be	AUX
fsr-3374	87	27	you	you	PRON
fsr-3374	87	28	to	to	PART
fsr-3374	87	29	take	take	VERB
fsr-3374	87	30	risk	risk	NOUN
fsr-3374	87	31	?	?	PUNCT
fsr-3374	87	32	”	"	PUNCT
fsr-3374	88	1	the	the	DET
fsr-3374	88	2	answers	answer	NOUN
fsr-3374	88	3	fall	fall	VERB
fsr-3374	88	4	on	on	ADP
fsr-3374	88	5	a	a	DET
fsr-3374	88	6	10	10	NUM
fsr-3374	88	7	-	-	PUNCT
fsr-3374	88	8	point	point	NOUN
fsr-3374	88	9	scale	scale	NOUN
fsr-3374	88	10	that	that	PRON
fsr-3374	88	11	ranges	range	VERB
fsr-3374	88	12	from	from	ADP
fsr-3374	88	13	1	1	NUM
fsr-3374	88	14	(	(	PUNCT
fsr-3374	88	15	not	not	PART
fsr-3374	88	16	at	at	ADV
fsr-3374	88	17	all	all	ADV
fsr-3374	88	18	willing	willing	ADJ
fsr-3374	88	19	)	)	PUNCT
fsr-3374	88	20	to	to	ADP
fsr-3374	88	21	10	10	NUM
fsr-3374	88	22	(	(	PUNCT
fsr-3374	88	23	very	very	ADV
fsr-3374	88	24	willing	willing	ADJ
fsr-3374	88	25	)	)	PUNCT
fsr-3374	88	26	.	.	PUNCT
fsr-3374	89	1	in	in	ADP
fsr-3374	89	2	this	this	DET
fsr-3374	89	3	analysis	analysis	NOUN
fsr-3374	89	4	,	,	PUNCT
fsr-3374	89	5	they	they	PRON
fsr-3374	89	6	are	be	AUX
fsr-3374	89	7	aggregated	aggregate	VERB
fsr-3374	89	8	into	into	ADP
fsr-3374	89	9	three	three	NUM
fsr-3374	89	10	risk	risk	NOUN
fsr-3374	89	11	tolerance	tolerance	NOUN
fsr-3374	89	12	levels4	levels4	NOUN
fsr-3374	89	13	and	and	CCONJ
fsr-3374	89	14	the	the	DET
fsr-3374	89	15	omitted	omit	VERB
fsr-3374	89	16	category	category	NOUN
fsr-3374	89	17	is	be	AUX
fsr-3374	89	18	low	low	ADJ
fsr-3374	89	19	risk	risk	NOUN
fsr-3374	89	20	tolerance	tolerance	NOUN
fsr-3374	89	21	.	.	PUNCT
fsr-3374	90	1	the	the	DET
fsr-3374	90	2	financial	financial	ADJ
fsr-3374	90	3	knowledge	knowledge	NOUN
fsr-3374	90	4	variable	variable	NOUN
fsr-3374	90	5	is	be	AUX
fsr-3374	90	6	a	a	DET
fsr-3374	90	7	subjective	subjective	ADJ
fsr-3374	90	8	assessment	assessment	NOUN
fsr-3374	90	9	by	by	ADP
fsr-3374	90	10	respondents	respondent	NOUN
fsr-3374	90	11	to	to	ADP
fsr-3374	90	12	the	the	DET
fsr-3374	90	13	following	following	ADJ
fsr-3374	90	14	question	question	NOUN
fsr-3374	90	15	:	:	PUNCT
fsr-3374	90	16	“	"	PUNCT
fsr-3374	90	17	how	how	SCONJ
fsr-3374	90	18	would	would	AUX
fsr-3374	90	19	you	you	PRON
fsr-3374	90	20	assess	assess	VERB
fsr-3374	90	21	your	your	PRON
fsr-3374	90	22	overall	overall	ADJ
fsr-3374	90	23	financial	financial	ADJ
fsr-3374	90	24	knowledge	knowledge	NOUN
fsr-3374	90	25	?	?	PUNCT
fsr-3374	90	26	”	"	PUNCT
fsr-3374	91	1	the	the	DET
fsr-3374	91	2	answers	answer	NOUN
fsr-3374	91	3	fall	fall	VERB
fsr-3374	91	4	on	on	ADP
fsr-3374	91	5	a	a	DET
fsr-3374	91	6	seven	seven	NUM
fsr-3374	91	7	-	-	PUNCT
fsr-3374	91	8	point	point	NOUN
fsr-3374	91	9	scale	scale	NOUN
fsr-3374	91	10	that	that	PRON
fsr-3374	91	11	ranges	range	VERB
fsr-3374	91	12	from	from	ADP
fsr-3374	91	13	1	1	NUM
fsr-3374	91	14	(	(	PUNCT
fsr-3374	91	15	very	very	ADV
fsr-3374	91	16	low	low	ADJ
fsr-3374	91	17	)	)	PUNCT
fsr-3374	91	18	to	to	ADP
fsr-3374	91	19	7	7	NUM
fsr-3374	91	20	(	(	PUNCT
fsr-3374	91	21	very	very	ADV
fsr-3374	91	22	409m.h	409m.h	NOUN
fsr-3374	91	23	.	.	PUNCT
fsr-3374	92	1	alyousif	alyousif	PROPN
fsr-3374	92	2	,	,	PUNCT
fsr-3374	92	3	c.m	c.m	PROPN
fsr-3374	92	4	.	.	PROPN
fsr-3374	92	5	kalenkoski	kalenkoski	PROPN
fsr-3374	92	6	/	/	SYM
fsr-3374	92	7	financial	financial	ADJ
fsr-3374	92	8	services	service	NOUN
fsr-3374	92	9	review	review	VERB
fsr-3374	92	10	26	26	NUM
fsr-3374	92	11	(	(	PUNCT
fsr-3374	92	12	2017	2017	NUM
fsr-3374	92	13	)	)	PUNCT
fsr-3374	93	1	405–432	405–432	NUM
fsr-3374	93	2	high	high	ADJ
fsr-3374	93	3	)	)	PUNCT
fsr-3374	93	4	.	.	PUNCT
fsr-3374	94	1	in	in	ADP
fsr-3374	94	2	this	this	DET
fsr-3374	94	3	analysis	analysis	NOUN
fsr-3374	94	4	,	,	PUNCT
fsr-3374	94	5	they	they	PRON
fsr-3374	94	6	are	be	AUX
fsr-3374	94	7	aggregated	aggregate	VERB
fsr-3374	94	8	into	into	ADP
fsr-3374	94	9	three	three	NUM
fsr-3374	94	10	perceived	perceive	VERB
fsr-3374	94	11	financial	financial	ADJ
fsr-3374	94	12	knowledge	knowledge	NOUN
fsr-3374	94	13	levels5	levels5	PROPN
fsr-3374	94	14	and	and	CCONJ
fsr-3374	94	15	the	the	DET
fsr-3374	94	16	omitted	omit	VERB
fsr-3374	94	17	category	category	NOUN
fsr-3374	94	18	is	be	AUX
fsr-3374	94	19	high	high	ADJ
fsr-3374	94	20	financial	financial	ADJ
fsr-3374	94	21	knowledge	knowledge	NOUN
fsr-3374	94	22	.	.	PUNCT
fsr-3374	95	1	financial	financial	ADJ
fsr-3374	95	2	fragility	fragility	NOUN
fsr-3374	95	3	is	be	AUX
fsr-3374	95	4	constructed	construct	VERB
fsr-3374	95	5	from	from	ADP
fsr-3374	95	6	seven	seven	NUM
fsr-3374	95	7	questions	question	NOUN
fsr-3374	95	8	that	that	PRON
fsr-3374	95	9	examine	examine	VERB
fsr-3374	95	10	respondents	respondent	NOUN
fsr-3374	95	11	’	'	PUNCT
fsr-3374	95	12	tendency	tendency	NOUN
fsr-3374	95	13	to	to	PART
fsr-3374	95	14	experience	experience	VERB
fsr-3374	95	15	overspending	overspending	NOUN
fsr-3374	95	16	,	,	PUNCT
fsr-3374	95	17	difficulty	difficulty	NOUN
fsr-3374	95	18	in	in	ADP
fsr-3374	95	19	covering	covering	NOUN
fsr-3374	95	20	expenses	expense	NOUN
fsr-3374	95	21	,	,	PUNCT
fsr-3374	95	22	the	the	DET
fsr-3374	95	23	lack	lack	NOUN
fsr-3374	95	24	of	of	ADP
fsr-3374	95	25	an	an	DET
fsr-3374	95	26	emergency	emergency	NOUN
fsr-3374	95	27	fund	fund	NOUN
fsr-3374	95	28	,	,	PUNCT
fsr-3374	95	29	inability	inability	NOUN
fsr-3374	95	30	to	to	PART
fsr-3374	95	31	come	come	VERB
fsr-3374	95	32	up	up	ADP
fsr-3374	95	33	with	with	ADP
fsr-3374	95	34	$	$	SYM
fsr-3374	95	35	2000	2000	NUM
fsr-3374	95	36	in	in	ADP
fsr-3374	95	37	the	the	DET
fsr-3374	95	38	next	next	ADJ
fsr-3374	95	39	month	month	NOUN
fsr-3374	95	40	,	,	PUNCT
fsr-3374	95	41	the	the	DET
fsr-3374	95	42	absence	absence	NOUN
fsr-3374	95	43	of	of	ADP
fsr-3374	95	44	a	a	DET
fsr-3374	95	45	retirement	retirement	NOUN
fsr-3374	95	46	plan	plan	NOUN
fsr-3374	95	47	,	,	PUNCT
fsr-3374	95	48	and	and	CCONJ
fsr-3374	95	49	incurring	incur	VERB
fsr-3374	95	50	too	too	ADV
fsr-3374	95	51	much	much	ADJ
fsr-3374	95	52	debt	debt	NOUN
fsr-3374	95	53	.	.	PUNCT
fsr-3374	96	1	this	this	DET
fsr-3374	96	2	variable	variable	NOUN
fsr-3374	96	3	is	be	AUX
fsr-3374	96	4	a	a	DET
fsr-3374	96	5	sum	sum	NOUN
fsr-3374	96	6	of	of	ADP
fsr-3374	96	7	these	these	DET
fsr-3374	96	8	signs	sign	NOUN
fsr-3374	96	9	of	of	ADP
fsr-3374	96	10	financial	financial	ADJ
fsr-3374	96	11	fragility	fragility	NOUN
fsr-3374	96	12	.	.	PUNCT
fsr-3374	97	1	overspending	overspending	NOUN
fsr-3374	97	2	is	be	AUX
fsr-3374	97	3	a	a	DET
fsr-3374	97	4	dichotomous	dichotomous	ADJ
fsr-3374	97	5	variable	variable	NOUN
fsr-3374	97	6	that	that	PRON
fsr-3374	97	7	takes	take	VERB
fsr-3374	97	8	a	a	DET
fsr-3374	97	9	value	value	NOUN
fsr-3374	97	10	of	of	ADP
fsr-3374	97	11	1	1	NUM
fsr-3374	97	12	if	if	SCONJ
fsr-3374	97	13	the	the	DET
fsr-3374	97	14	respondent	respondent	NOUN
fsr-3374	97	15	’s	’s	PART
fsr-3374	97	16	spending	spending	NOUN
fsr-3374	97	17	is	be	AUX
fsr-3374	97	18	more	more	ADJ
fsr-3374	97	19	than	than	ADP
fsr-3374	97	20	income	income	NOUN
fsr-3374	97	21	and	and	CCONJ
fsr-3374	97	22	0	0	NUM
fsr-3374	97	23	otherwise	otherwise	ADV
fsr-3374	97	24	.	.	PUNCT
fsr-3374	98	1	the	the	DET
fsr-3374	98	2	difficulty	difficulty	NOUN
fsr-3374	98	3	of	of	ADP
fsr-3374	98	4	covering	cover	VERB
fsr-3374	98	5	expenses	expense	NOUN
fsr-3374	98	6	and	and	CCONJ
fsr-3374	98	7	paying	pay	VERB
fsr-3374	98	8	all	all	DET
fsr-3374	98	9	bills	bill	NOUN
fsr-3374	98	10	is	be	AUX
fsr-3374	98	11	a	a	DET
fsr-3374	98	12	dichotomous	dichotomous	ADJ
fsr-3374	98	13	variable	variable	NOUN
fsr-3374	98	14	that	that	PRON
fsr-3374	98	15	takes	take	VERB
fsr-3374	98	16	a	a	DET
fsr-3374	98	17	value	value	NOUN
fsr-3374	98	18	of	of	ADP
fsr-3374	98	19	1	1	NUM
fsr-3374	98	20	if	if	SCONJ
fsr-3374	98	21	the	the	DET
fsr-3374	98	22	respondent	respondent	NOUN
fsr-3374	98	23	indicated	indicate	VERB
fsr-3374	98	24	it	it	PRON
fsr-3374	98	25	was	be	AUX
fsr-3374	98	26	very	very	ADV
fsr-3374	98	27	difficult	difficult	ADJ
fsr-3374	98	28	or	or	CCONJ
fsr-3374	98	29	somewhat	somewhat	ADV
fsr-3374	98	30	difficult	difficult	ADJ
fsr-3374	98	31	to	to	PART
fsr-3374	98	32	cover	cover	VERB
fsr-3374	98	33	expenses	expense	NOUN
fsr-3374	98	34	and	and	CCONJ
fsr-3374	98	35	0	0	NUM
fsr-3374	98	36	otherwise	otherwise	ADV
fsr-3374	98	37	.	.	PUNCT
fsr-3374	99	1	having	have	VERB
fsr-3374	99	2	no	no	DET
fsr-3374	99	3	emergency	emergency	NOUN
fsr-3374	99	4	fund	fund	NOUN
fsr-3374	99	5	that	that	PRON
fsr-3374	99	6	would	would	AUX
fsr-3374	99	7	cover	cover	VERB
fsr-3374	99	8	three	three	NUM
fsr-3374	99	9	months	month	NOUN
fsr-3374	99	10	of	of	ADP
fsr-3374	99	11	expenses	expense	NOUN
fsr-3374	99	12	is	be	AUX
fsr-3374	99	13	a	a	DET
fsr-3374	99	14	dichotomous	dichotomous	ADJ
fsr-3374	99	15	variable	variable	NOUN
fsr-3374	99	16	that	that	PRON
fsr-3374	99	17	takes	take	VERB
fsr-3374	99	18	a	a	DET
fsr-3374	99	19	value	value	NOUN
fsr-3374	99	20	of	of	ADP
fsr-3374	99	21	1	1	NUM
fsr-3374	99	22	if	if	SCONJ
fsr-3374	99	23	the	the	DET
fsr-3374	99	24	respondent	respondent	NOUN
fsr-3374	99	25	answered	answer	VERB
fsr-3374	99	26	“	"	PUNCT
fsr-3374	99	27	no	no	INTJ
fsr-3374	99	28	”	"	PUNCT
fsr-3374	99	29	and	and	CCONJ
fsr-3374	99	30	0	0	NUM
fsr-3374	99	31	otherwise	otherwise	ADV
fsr-3374	99	32	.	.	PUNCT
fsr-3374	100	1	the	the	DET
fsr-3374	100	2	confidence	confidence	NOUN
fsr-3374	100	3	to	to	PART
fsr-3374	100	4	come	come	VERB
fsr-3374	100	5	-	-	PUNCT
fsr-3374	100	6	up	up	NOUN
fsr-3374	100	7	with	with	ADP
fsr-3374	100	8	$	$	SYM
fsr-3374	100	9	2000	2000	NUM
fsr-3374	100	10	is	be	AUX
fsr-3374	100	11	a	a	DET
fsr-3374	100	12	dichotomous	dichotomous	ADJ
fsr-3374	100	13	variable	variable	NOUN
fsr-3374	100	14	that	that	PRON
fsr-3374	100	15	takes	take	VERB
fsr-3374	100	16	a	a	DET
fsr-3374	100	17	value	value	NOUN
fsr-3374	100	18	of	of	ADP
fsr-3374	100	19	1	1	NUM
fsr-3374	100	20	if	if	SCONJ
fsr-3374	100	21	the	the	DET
fsr-3374	100	22	respondent	respondent	NOUN
fsr-3374	100	23	could	could	AUX
fsr-3374	100	24	probably	probably	ADV
fsr-3374	100	25	not	not	PART
fsr-3374	100	26	or	or	CCONJ
fsr-3374	100	27	is	be	AUX
fsr-3374	100	28	certain	certain	ADJ
fsr-3374	100	29	she	she	PRON
fsr-3374	100	30	/	/	SYM
fsr-3374	100	31	he	he	PRON
fsr-3374	100	32	could	could	AUX
fsr-3374	100	33	not	not	PART
fsr-3374	100	34	come	come	VERB
fsr-3374	100	35	-	-	PUNCT
fsr-3374	100	36	up	up	NOUN
fsr-3374	100	37	with	with	ADP
fsr-3374	100	38	that	that	DET
fsr-3374	100	39	amount	amount	NOUN
fsr-3374	100	40	and	and	CCONJ
fsr-3374	100	41	0	0	NUM
fsr-3374	100	42	otherwise	otherwise	ADV
fsr-3374	100	43	.	.	PUNCT
fsr-3374	101	1	having	have	VERB
fsr-3374	101	2	no	no	DET
fsr-3374	101	3	retirement	retirement	NOUN
fsr-3374	101	4	plan	plan	NOUN
fsr-3374	101	5	is	be	AUX
fsr-3374	101	6	a	a	DET
fsr-3374	101	7	dichotomous	dichotomous	ADJ
fsr-3374	101	8	variable	variable	NOUN
fsr-3374	101	9	that	that	PRON
fsr-3374	101	10	takes	take	VERB
fsr-3374	101	11	a	a	DET
fsr-3374	101	12	value	value	NOUN
fsr-3374	101	13	of	of	ADP
fsr-3374	101	14	1	1	NUM
fsr-3374	101	15	if	if	SCONJ
fsr-3374	101	16	the	the	DET
fsr-3374	101	17	respondent	respondent	NOUN
fsr-3374	101	18	has	have	VERB
fsr-3374	101	19	neither	neither	CCONJ
fsr-3374	101	20	a	a	DET
fsr-3374	101	21	private	private	ADJ
fsr-3374	101	22	plan	plan	NOUN
fsr-3374	101	23	nor	nor	CCONJ
fsr-3374	101	24	a	a	DET
fsr-3374	101	25	plan	plan	NOUN
fsr-3374	101	26	through	through	ADP
fsr-3374	101	27	a	a	DET
fsr-3374	101	28	current	current	ADJ
fsr-3374	101	29	or	or	CCONJ
fsr-3374	101	30	a	a	DET
fsr-3374	101	31	previous	previous	ADJ
fsr-3374	101	32	employer	employer	NOUN
fsr-3374	101	33	and	and	CCONJ
fsr-3374	101	34	0	0	NUM
fsr-3374	101	35	otherwise	otherwise	ADV
fsr-3374	101	36	.	.	PUNCT
fsr-3374	102	1	having	have	VERB
fsr-3374	102	2	too	too	ADV
fsr-3374	102	3	much	much	ADJ
fsr-3374	102	4	debt	debt	NOUN
fsr-3374	102	5	is	be	AUX
fsr-3374	102	6	a	a	DET
fsr-3374	102	7	dichotomous	dichotomous	ADJ
fsr-3374	102	8	variable	variable	NOUN
fsr-3374	102	9	that	that	PRON
fsr-3374	102	10	has	have	VERB
fsr-3374	102	11	a	a	DET
fsr-3374	102	12	value	value	NOUN
fsr-3374	102	13	of	of	ADP
fsr-3374	102	14	1	1	NUM
fsr-3374	102	15	if	if	SCONJ
fsr-3374	102	16	the	the	DET
fsr-3374	102	17	respondent	respondent	NOUN
fsr-3374	102	18	agrees	agree	VERB
fsr-3374	102	19	or	or	CCONJ
fsr-3374	102	20	strongly	strongly	ADV
fsr-3374	102	21	agrees	agree	VERB
fsr-3374	102	22	with	with	ADP
fsr-3374	102	23	that	that	DET
fsr-3374	102	24	statement	statement	NOUN
fsr-3374	102	25	and	and	CCONJ
fsr-3374	102	26	0	0	NUM
fsr-3374	102	27	otherwise	otherwise	ADV
fsr-3374	102	28	.	.	PUNCT
fsr-3374	103	1	financial	financial	ADJ
fsr-3374	103	2	literacy	literacy	NOUN
fsr-3374	103	3	consists	consist	VERB
fsr-3374	103	4	of	of	ADP
fsr-3374	103	5	five	five	NUM
fsr-3374	103	6	questions	question	NOUN
fsr-3374	103	7	that	that	PRON
fsr-3374	103	8	measure	measure	NOUN
fsr-3374	103	9	respondents	respondent	NOUN
fsr-3374	103	10	’	’	PART
fsr-3374	103	11	understanding	understanding	NOUN
fsr-3374	103	12	of	of	ADP
fsr-3374	103	13	compound	compound	NOUN
fsr-3374	103	14	interest	interest	NOUN
fsr-3374	103	15	,	,	PUNCT
fsr-3374	103	16	inflation	inflation	NOUN
fsr-3374	103	17	,	,	PUNCT
fsr-3374	103	18	bond	bond	NOUN
fsr-3374	103	19	prices	price	NOUN
fsr-3374	103	20	,	,	PUNCT
fsr-3374	103	21	mortgage	mortgage	NOUN
fsr-3374	103	22	interest	interest	NOUN
fsr-3374	103	23	,	,	PUNCT
fsr-3374	103	24	and	and	CCONJ
fsr-3374	103	25	risk	risk	NOUN
fsr-3374	103	26	.	.	PUNCT
fsr-3374	104	1	this	this	DET
fsr-3374	104	2	variable	variable	NOUN
fsr-3374	104	3	is	be	AUX
fsr-3374	104	4	a	a	DET
fsr-3374	104	5	sum	sum	NOUN
fsr-3374	104	6	of	of	ADP
fsr-3374	104	7	the	the	DET
fsr-3374	104	8	correct	correct	ADJ
fsr-3374	104	9	answers	answer	NOUN
fsr-3374	104	10	to	to	ADP
fsr-3374	104	11	these	these	DET
fsr-3374	104	12	questions	question	NOUN
fsr-3374	104	13	and	and	CCONJ
fsr-3374	104	14	has	have	VERB
fsr-3374	104	15	a	a	DET
fsr-3374	104	16	range	range	NOUN
fsr-3374	104	17	of	of	ADP
fsr-3374	104	18	0–5	0–5	NOUN
fsr-3374	104	19	.	.	NOUN
fsr-3374	104	20	table	table	NOUN
fsr-3374	104	21	1	1	NUM
fsr-3374	104	22	provides	provide	VERB
fsr-3374	104	23	the	the	DET
fsr-3374	104	24	distribution	distribution	NOUN
fsr-3374	104	25	of	of	ADP
fsr-3374	104	26	correct	correct	ADJ
fsr-3374	104	27	financial	financial	ADJ
fsr-3374	104	28	literacy	literacy	NOUN
fsr-3374	104	29	answers	answer	NOUN
fsr-3374	104	30	and	and	CCONJ
fsr-3374	104	31	shows	show	VERB
fsr-3374	104	32	that	that	SCONJ
fsr-3374	104	33	respondents	respondent	NOUN
fsr-3374	104	34	who	who	PRON
fsr-3374	104	35	answered	answer	VERB
fsr-3374	104	36	4–5	4–5	NUM
fsr-3374	104	37	questions	question	NOUN
fsr-3374	104	38	correctly	correctly	ADV
fsr-3374	104	39	are	be	AUX
fsr-3374	104	40	between	between	ADP
fsr-3374	104	41	16	16	NUM
fsr-3374	104	42	and	and	CCONJ
fsr-3374	104	43	26	26	NUM
fsr-3374	104	44	%	%	NOUN
fsr-3374	104	45	.	.	PUNCT
fsr-3374	105	1	fig	fig	NOUN
fsr-3374	105	2	.	.	PUNCT
fsr-3374	106	1	1	1	NUM
fsr-3374	106	2	shows	show	VERB
fsr-3374	106	3	that	that	SCONJ
fsr-3374	106	4	respondents	respondent	NOUN
fsr-3374	106	5	have	have	VERB
fsr-3374	106	6	difficulty	difficulty	NOUN
fsr-3374	106	7	understanding	understand	VERB
fsr-3374	106	8	the	the	DET
fsr-3374	106	9	effect	effect	NOUN
fsr-3374	106	10	of	of	ADP
fsr-3374	106	11	interest	interest	NOUN
fsr-3374	106	12	rates	rate	NOUN
fsr-3374	106	13	on	on	ADP
fsr-3374	106	14	bond	bond	NOUN
fsr-3374	106	15	prices	price	NOUN
fsr-3374	106	16	and	and	CCONJ
fsr-3374	106	17	the	the	DET
fsr-3374	106	18	risk	risk	NOUN
fsr-3374	106	19	-	-	PUNCT
fsr-3374	106	20	return	return	NOUN
fsr-3374	106	21	trade	trade	NOUN
fsr-3374	106	22	-	-	PUNCT
fsr-3374	106	23	off	off	NOUN
fsr-3374	106	24	in	in	ADP
fsr-3374	106	25	buying	buy	VERB
fsr-3374	106	26	a	a	DET
fsr-3374	106	27	single	single	ADJ
fsr-3374	106	28	company	company	NOUN
fsr-3374	106	29	’s	’s	PART
fsr-3374	106	30	stock	stock	NOUN
fsr-3374	106	31	versus	versus	ADP
fsr-3374	106	32	purchasing	purchase	VERB
fsr-3374	106	33	a	a	DET
fsr-3374	106	34	share	share	NOUN
fsr-3374	106	35	of	of	ADP
fsr-3374	106	36	a	a	DET
fsr-3374	106	37	mutual	mutual	ADJ
fsr-3374	106	38	fund	fund	NOUN
fsr-3374	106	39	.	.	PUNCT
fsr-3374	107	1	4	4	X
fsr-3374	107	2	.	.	X
fsr-3374	107	3	model	model	VERB
fsr-3374	107	4	the	the	DET
fsr-3374	107	5	model	model	NOUN
fsr-3374	107	6	estimated	estimate	VERB
fsr-3374	107	7	in	in	ADP
fsr-3374	107	8	this	this	DET
fsr-3374	107	9	article	article	NOUN
fsr-3374	107	10	is	be	AUX
fsr-3374	107	11	a	a	DET
fsr-3374	107	12	probit	probit	NOUN
fsr-3374	107	13	model	model	NOUN
fsr-3374	107	14	:	:	PUNCT
fsr-3374	107	15	yij	yij	PROPN
fsr-3374	107	16	*	*	PUNCT
fsr-3374	107	17	�	�	PROPN
fsr-3374	107	18	b0	b0	PROPN
fsr-3374	107	19	�	�	PROPN
fsr-3374	107	20	xi	xi	ADP
fsr-3374	107	21	�	�	PROPN
fsr-3374	107	22	b	b	PROPN
fsr-3374	107	23	�	�	PROPN
fsr-3374	107	24	�	�	PROPN
fsr-3374	107	25	ij	ij	PROPN
fsr-3374	107	26	(	(	PUNCT
fsr-3374	107	27	1	1	X
fsr-3374	107	28	)	)	PUNCT
fsr-3374	107	29	yij	yij	NOUN
fsr-3374	107	30	�	�	PROPN
fsr-3374	107	31	�	�	PROPN
fsr-3374	107	32	1	1	NUM
fsr-3374	107	33	if	if	SCONJ
fsr-3374	107	34	yij	yij	NOUN
fsr-3374	107	35	*	*	PUNCT
fsr-3374	107	36	�	�	PROPN
fsr-3374	107	37	0	0	NUM
fsr-3374	107	38	0	0	PUNCT
fsr-3374	107	39	if	if	SCONJ
fsr-3374	107	40	yij	yij	NOUN
fsr-3374	107	41	*	*	PUNCT
fsr-3374	107	42	�	�	PROPN
fsr-3374	107	43	0	0	NUM
fsr-3374	107	44	where	where	SCONJ
fsr-3374	107	45	yij	yij	NOUN
fsr-3374	107	46	*	*	PUNCT
fsr-3374	107	47	is	be	AUX
fsr-3374	107	48	a	a	DET
fsr-3374	107	49	latent	latent	NOUN
fsr-3374	107	50	variable	variable	NOUN
fsr-3374	107	51	representing	represent	VERB
fsr-3374	107	52	the	the	DET
fsr-3374	107	53	net	net	ADJ
fsr-3374	107	54	benefit	benefit	NOUN
fsr-3374	107	55	an	an	DET
fsr-3374	107	56	individual	individual	NOUN
fsr-3374	107	57	i	i	PRON
fsr-3374	107	58	perceives	perceive	VERB
fsr-3374	107	59	he	he	PRON
fsr-3374	107	60	or	or	CCONJ
fsr-3374	107	61	she	she	PRON
fsr-3374	107	62	will	will	AUX
fsr-3374	107	63	receive	receive	VERB
fsr-3374	107	64	from	from	ADP
fsr-3374	107	65	seeking	seek	VERB
fsr-3374	107	66	financial	financial	ADJ
fsr-3374	107	67	advice	advice	NOUN
fsr-3374	107	68	related	relate	VERB
fsr-3374	107	69	to	to	ADP
fsr-3374	107	70	task	task	PROPN
fsr-3374	107	71	j	j	PROPN
fsr-3374	107	72	where	where	SCONJ
fsr-3374	107	73	j	j	PROPN
fsr-3374	107	74	is	be	AUX
fsr-3374	107	75	one	one	NUM
fsr-3374	107	76	of	of	ADP
fsr-3374	107	77	the	the	DET
fsr-3374	107	78	following	following	NOUN
fsr-3374	107	79	:	:	PUNCT
fsr-3374	107	80	debt	debt	NOUN
fsr-3374	107	81	counseling	counseling	NOUN
fsr-3374	107	82	,	,	PUNCT
fsr-3374	107	83	savings	saving	NOUN
fsr-3374	107	84	/	/	SYM
fsr-3374	107	85	investment	investment	NOUN
fsr-3374	107	86	,	,	PUNCT
fsr-3374	107	87	a	a	DET
fsr-3374	107	88	mortgage	mortgage	NOUN
fsr-3374	107	89	/	/	SYM
fsr-3374	107	90	a	a	DET
fsr-3374	107	91	loan	loan	NOUN
fsr-3374	107	92	,	,	PUNCT
fsr-3374	107	93	insurance	insurance	NOUN
fsr-3374	107	94	,	,	PUNCT
fsr-3374	107	95	and	and	CCONJ
fsr-3374	107	96	tax	tax	NOUN
fsr-3374	107	97	planning,6	planning,6	NOUN
fsr-3374	107	98	yij	yij	NOUN
fsr-3374	107	99	is	be	AUX
fsr-3374	107	100	equal	equal	ADJ
fsr-3374	107	101	to	to	ADP
fsr-3374	107	102	1	1	NUM
fsr-3374	107	103	if	if	SCONJ
fsr-3374	107	104	the	the	DET
fsr-3374	107	105	respondent	respondent	NOUN
fsr-3374	107	106	reported	report	VERB
fsr-3374	107	107	seeking	seek	VERB
fsr-3374	107	108	that	that	DET
fsr-3374	107	109	type	type	NOUN
fsr-3374	107	110	of	of	ADP
fsr-3374	107	111	financial	financial	ADJ
fsr-3374	107	112	advice	advice	NOUN
fsr-3374	107	113	and	and	CCONJ
fsr-3374	107	114	0	0	NUM
fsr-3374	107	115	otherwise	otherwise	ADV
fsr-3374	107	116	;	;	PUNCT
fsr-3374	107	117	xi	xi	X
fsr-3374	107	118	is	be	AUX
fsr-3374	107	119	a	a	DET
fsr-3374	107	120	matrix	matrix	NOUN
fsr-3374	107	121	of	of	ADP
fsr-3374	107	122	explanatory	explanatory	ADJ
fsr-3374	107	123	variables	variable	NOUN
fsr-3374	107	124	representing	represent	VERB
fsr-3374	107	125	income,7	income,7	ADJ
fsr-3374	107	126	risk	risk	NOUN
fsr-3374	107	127	tolerance	tolerance	NOUN
fsr-3374	107	128	,	,	PUNCT
fsr-3374	107	129	perceived	perceive	VERB
fsr-3374	107	130	financial	financial	ADJ
fsr-3374	107	131	knowledge	knowledge	NOUN
fsr-3374	107	132	,	,	PUNCT
fsr-3374	107	133	financial	financial	ADJ
fsr-3374	107	134	literacy	literacy	NOUN
fsr-3374	107	135	,	,	PUNCT
fsr-3374	107	136	financial	financial	ADJ
fsr-3374	107	137	fragility	fragility	NOUN
fsr-3374	107	138	,	,	PUNCT
fsr-3374	107	139	female	female	NOUN
fsr-3374	107	140	,	,	PUNCT
fsr-3374	107	141	white	white	ADJ
fsr-3374	107	142	,	,	PUNCT
fsr-3374	107	143	age	age	NOUN
fsr-3374	107	144	,	,	PUNCT
fsr-3374	107	145	education	education	NOUN
fsr-3374	107	146	,	,	PUNCT
fsr-3374	107	147	marital	marital	ADJ
fsr-3374	107	148	status	status	NOUN
fsr-3374	107	149	,	,	PUNCT
fsr-3374	107	150	and	and	CCONJ
fsr-3374	107	151	number	number	NOUN
fsr-3374	107	152	of	of	ADP
fsr-3374	107	153	children	child	NOUN
fsr-3374	107	154	;	;	PUNCT
fsr-3374	107	155	and	and	CCONJ
fsr-3374	107	156	uij	uij	PRON
fsr-3374	107	157	is	be	AUX
fsr-3374	107	158	an	an	DET
fsr-3374	107	159	error	error	NOUN
fsr-3374	107	160	term	term	NOUN
fsr-3374	107	161	that	that	PRON
fsr-3374	107	162	follows	follow	VERB
fsr-3374	107	163	the	the	DET
fsr-3374	107	164	standard	standard	ADJ
fsr-3374	107	165	normal	normal	ADJ
fsr-3374	107	166	distribution	distribution	NOUN
fsr-3374	107	167	.	.	PUNCT
fsr-3374	108	1	410	410	NUM
fsr-3374	108	2	m.h	m.h	PROPN
fsr-3374	108	3	.	.	PROPN
fsr-3374	108	4	alyousif	alyousif	PROPN
fsr-3374	108	5	,	,	PUNCT
fsr-3374	108	6	c.m	c.m	PROPN
fsr-3374	108	7	.	.	PROPN
fsr-3374	108	8	kalenkoski	kalenkoski	PROPN
fsr-3374	108	9	/	/	SYM
fsr-3374	108	10	financial	financial	ADJ
fsr-3374	108	11	services	service	NOUN
fsr-3374	108	12	review	review	VERB
fsr-3374	108	13	26	26	NUM
fsr-3374	108	14	(	(	PUNCT
fsr-3374	108	15	2017	2017	NUM
fsr-3374	108	16	)	)	PUNCT
fsr-3374	109	1	405–432	405–432	NUM
fsr-3374	109	2	table	table	NOUN
fsr-3374	109	3	1	1	NUM
fsr-3374	109	4	summary	summary	NOUN
fsr-3374	109	5	statistics	statistic	NOUN
fsr-3374	109	6	mean	mean	VERB
fsr-3374	109	7	standard	standard	ADJ
fsr-3374	109	8	error	error	NOUN
fsr-3374	109	9	dependent	dependent	ADJ
fsr-3374	109	10	variables	variable	VERB
fsr-3374	109	11	debt	debt	NOUN
fsr-3374	109	12	counseling	counsel	VERB
fsr-3374	109	13	0.0906	0.0906	NUM
fsr-3374	109	14	0.0022	0.0022	NUM
fsr-3374	109	15	savings	saving	NOUN
fsr-3374	109	16	or	or	CCONJ
fsr-3374	109	17	investment	investment	NOUN
fsr-3374	109	18	advice	advice	NOUN
fsr-3374	109	19	0.2871	0.2871	NUM
fsr-3374	109	20	0.0033	0.0033	NUM
fsr-3374	109	21	mortgage	mortgage	NOUN
fsr-3374	109	22	or	or	CCONJ
fsr-3374	109	23	loan	loan	NOUN
fsr-3374	109	24	advice	advice	NOUN
fsr-3374	109	25	0.2020	0.2020	NUM
fsr-3374	109	26	0.0030	0.0030	NUM
fsr-3374	109	27	insurance	insurance	NOUN
fsr-3374	109	28	advice	advice	NOUN
fsr-3374	109	29	0.3028	0.3028	NUM
fsr-3374	109	30	0.0034	0.0034	NUM
fsr-3374	109	31	tax	tax	NOUN
fsr-3374	109	32	planning	planning	NOUN
fsr-3374	109	33	0.1812	0.1812	NUM
fsr-3374	109	34	0.0029	0.0029	NUM
fsr-3374	109	35	independent	independent	ADJ
fsr-3374	109	36	variables	variable	NOUN
fsr-3374	109	37	gender	gender	NOUN
fsr-3374	109	38	male	male	NOUN
fsr-3374	109	39	0.4858	0.4858	NUM
fsr-3374	109	40	0.0037	0.0037	NUM
fsr-3374	109	41	female	female	ADJ
fsr-3374	109	42	0.5142	0.5142	NUM
fsr-3374	109	43	0.0037	0.0037	NUM
fsr-3374	109	44	age	age	NOUN
fsr-3374	109	45	(	(	PUNCT
fsr-3374	109	46	years	year	NOUN
fsr-3374	109	47	)	)	PUNCT
fsr-3374	109	48	18–24	18–24	NUM
fsr-3374	109	49	0.1231	0.1231	NUM
fsr-3374	110	1	0.0027	0.0027	NUM
fsr-3374	110	2	25–34	25–34	NUM
fsr-3374	110	3	0.1830	0.1830	NUM
fsr-3374	110	4	0.0030	0.0030	NUM
fsr-3374	110	5	35–44	35–44	NUM
fsr-3374	110	6	0.1635	0.1635	NUM
fsr-3374	110	7	0.0027	0.0027	NUM
fsr-3374	110	8	45–54	45–54	NUM
fsr-3374	110	9	0.1962	0.1962	NUM
fsr-3374	110	10	0.0029	0.0029	NUM
fsr-3374	110	11	55–64	55–64	NUM
fsr-3374	110	12	0.1791	0.1791	NUM
fsr-3374	110	13	0.0028	0.0028	NUM
fsr-3374	110	14	65	65	NUM
fsr-3374	110	15	�	�	PROPN
fsr-3374	110	16	0.1551	0.1551	NUM
fsr-3374	110	17	0.0026	0.0026	NUM
fsr-3374	110	18	race	race	NOUN
fsr-3374	110	19	white	white	ADJ
fsr-3374	110	20	0.6647	0.6647	NUM
fsr-3374	110	21	0.0037	0.0037	NUM
fsr-3374	110	22	non	non	ADJ
fsr-3374	110	23	-	-	ADJ
fsr-3374	110	24	white	white	ADJ
fsr-3374	110	25	0.3353	0.3353	NUM
fsr-3374	110	26	0.0037	0.0037	NUM
fsr-3374	110	27	education	education	NOUN
fsr-3374	110	28	level	level	NOUN
fsr-3374	110	29	high	high	ADJ
fsr-3374	110	30	school	school	NOUN
fsr-3374	110	31	or	or	CCONJ
fsr-3374	110	32	less	less	ADJ
fsr-3374	110	33	0.3812	0.3812	NUM
fsr-3374	110	34	0.0037	0.0037	NUM
fsr-3374	110	35	some	some	DET
fsr-3374	110	36	college	college	NOUN
fsr-3374	110	37	0.3591	0.3591	NUM
fsr-3374	110	38	0.0036	0.0036	NUM
fsr-3374	110	39	college	college	NOUN
fsr-3374	110	40	or	or	CCONJ
fsr-3374	110	41	more	more	ADJ
fsr-3374	110	42	0.2597	0.2597	NUM
fsr-3374	110	43	0.0030	0.0030	NUM
fsr-3374	110	44	marital	marital	ADJ
fsr-3374	110	45	status	status	NOUN
fsr-3374	110	46	married	marry	VERB
fsr-3374	110	47	0.5403	0.5403	NUM
fsr-3374	110	48	0.0037	0.0037	NUM
fsr-3374	110	49	living	live	VERB
fsr-3374	110	50	with	with	ADP
fsr-3374	110	51	a	a	DET
fsr-3374	110	52	partner	partner	NOUN
fsr-3374	110	53	0.0816	0.0816	NUM
fsr-3374	110	54	0.0021	0.0021	NUM
fsr-3374	110	55	single	single	ADJ
fsr-3374	110	56	0.3782	0.3782	NUM
fsr-3374	110	57	0.0037	0.0037	NUM
fsr-3374	110	58	number	number	NOUN
fsr-3374	110	59	of	of	ADP
fsr-3374	110	60	children	child	NOUN
fsr-3374	110	61	no	no	DET
fsr-3374	110	62	children	child	NOUN
fsr-3374	110	63	0.3181	0.3181	NUM
fsr-3374	110	64	0.0035	0.0035	NUM
fsr-3374	110	65	one	one	NUM
fsr-3374	110	66	child	child	NOUN
fsr-3374	110	67	0.1699	0.1699	NUM
fsr-3374	110	68	0.0028	0.0028	NUM
fsr-3374	110	69	two	two	NUM
fsr-3374	110	70	children	child	NOUN
fsr-3374	110	71	0.1312	0.1312	NUM
fsr-3374	110	72	0.0025	0.0025	NUM
fsr-3374	110	73	three	three	NUM
fsr-3374	110	74	children	child	NOUN
fsr-3374	110	75	0.0567	0.0567	NUM
fsr-3374	110	76	0.0018	0.0018	NUM
fsr-3374	110	77	four	four	NUM
fsr-3374	110	78	children	child	NOUN
fsr-3374	110	79	or	or	CCONJ
fsr-3374	110	80	more	more	ADJ
fsr-3374	110	81	0.0337	0.0337	NUM
fsr-3374	110	82	0.0014	0.0014	NUM
fsr-3374	110	83	no	no	DET
fsr-3374	110	84	financial	financial	ADJ
fsr-3374	110	85	dependent	dependent	ADJ
fsr-3374	110	86	children	child	NOUN
fsr-3374	110	87	0.2905	0.2905	NUM
fsr-3374	110	88	0.0033	0.0033	NUM
fsr-3374	110	89	annual	annual	ADJ
fsr-3374	110	90	income	income	NOUN
fsr-3374	110	91	less	less	ADJ
fsr-3374	110	92	than	than	ADP
fsr-3374	110	93	$	$	SYM
fsr-3374	110	94	15,000	15,000	NUM
fsr-3374	110	95	0.1426	0.1426	NUM
fsr-3374	110	96	0.0027	0.0027	NUM
fsr-3374	110	97	$	$	SYM
fsr-3374	110	98	15,000	15,000	NUM
fsr-3374	110	99	to	to	PART
fsr-3374	110	100	less	less	ADJ
fsr-3374	110	101	than	than	ADP
fsr-3374	110	102	$	$	SYM
fsr-3374	110	103	25,000	25,000	NUM
fsr-3374	110	104	0.1225	0.1225	NUM
fsr-3374	110	105	0.0025	0.0025	NUM
fsr-3374	110	106	$	$	SYM
fsr-3374	110	107	25,000	25,000	NUM
fsr-3374	110	108	to	to	PART
fsr-3374	110	109	less	less	ADJ
fsr-3374	110	110	than	than	ADP
fsr-3374	110	111	$	$	SYM
fsr-3374	110	112	35,000	35,000	NUM
fsr-3374	110	113	0.1155	0.1155	NUM
fsr-3374	110	114	0.0024	0.0024	NUM
fsr-3374	110	115	$	$	SYM
fsr-3374	110	116	35,000	35,000	NUM
fsr-3374	110	117	to	to	PART
fsr-3374	110	118	less	less	ADJ
fsr-3374	110	119	than	than	ADP
fsr-3374	110	120	$	$	SYM
fsr-3374	110	121	50,000	50,000	NUM
fsr-3374	110	122	0.1470	0.1470	NUM
fsr-3374	110	123	0.0026	0.0026	NUM
fsr-3374	110	124	$	$	SYM
fsr-3374	110	125	50,000	50,000	NUM
fsr-3374	110	126	to	to	PART
fsr-3374	110	127	less	less	ADJ
fsr-3374	110	128	than	than	ADP
fsr-3374	110	129	$	$	SYM
fsr-3374	110	130	75,000	75,000	NUM
fsr-3374	110	131	0.1882	0.1882	NUM
fsr-3374	110	132	0.0029	0.0029	NUM
fsr-3374	110	133	$	$	SYM
fsr-3374	110	134	75,000	75,000	NUM
fsr-3374	110	135	to	to	PART
fsr-3374	110	136	less	less	ADJ
fsr-3374	110	137	than	than	ADP
fsr-3374	110	138	$	$	SYM
fsr-3374	110	139	100,000	100,000	NUM
fsr-3374	110	140	0.1153	0.1153	NUM
fsr-3374	110	141	0.0023	0.0023	NUM
fsr-3374	110	142	$	$	SYM
fsr-3374	110	143	100,000	100,000	NUM
fsr-3374	110	144	to	to	PART
fsr-3374	110	145	less	less	ADJ
fsr-3374	110	146	than	than	ADP
fsr-3374	110	147	$	$	SYM
fsr-3374	110	148	150,000	150,000	NUM
fsr-3374	110	149	0.1076	0.1076	NUM
fsr-3374	110	150	0.0023	0.0023	NUM
fsr-3374	110	151	$	$	SYM
fsr-3374	110	152	150,000	150,000	NUM
fsr-3374	110	153	or	or	CCONJ
fsr-3374	110	154	more	more	ADJ
fsr-3374	110	155	0.0613	0.0613	NUM
fsr-3374	110	156	0.0017	0.0017	NUM
fsr-3374	110	157	risk	risk	NOUN
fsr-3374	110	158	-	-	PUNCT
fsr-3374	110	159	tolerance	tolerance	NOUN
fsr-3374	110	160	level	level	NOUN
fsr-3374	110	161	low	low	ADJ
fsr-3374	110	162	0.3517	0.3517	NUM
fsr-3374	110	163	0.0035	0.0035	NUM
fsr-3374	110	164	medium	medium	NOUN
fsr-3374	110	165	0.4388	0.4388	NUM
fsr-3374	110	166	0.0037	0.0037	NUM
fsr-3374	110	167	high	high	ADJ
fsr-3374	110	168	0.1746	0.1746	NUM
fsr-3374	110	169	0.0029	0.0029	NUM
fsr-3374	110	170	(	(	PUNCT
fsr-3374	110	171	continued	continue	VERB
fsr-3374	110	172	on	on	ADP
fsr-3374	110	173	next	next	ADJ
fsr-3374	110	174	page	page	NOUN
fsr-3374	110	175	)	)	PUNCT
fsr-3374	110	176	411m.h	411m.h	NUM
fsr-3374	110	177	.	.	PUNCT
fsr-3374	111	1	alyousif	alyousif	PROPN
fsr-3374	111	2	,	,	PUNCT
fsr-3374	111	3	c.m	c.m	PROPN
fsr-3374	111	4	.	.	PROPN
fsr-3374	111	5	kalenkoski	kalenkoski	PROPN
fsr-3374	111	6	/	/	SYM
fsr-3374	111	7	financial	financial	ADJ
fsr-3374	111	8	services	service	NOUN
fsr-3374	111	9	review	review	VERB
fsr-3374	111	10	26	26	NUM
fsr-3374	111	11	(	(	PUNCT
fsr-3374	111	12	2017	2017	NUM
fsr-3374	111	13	)	)	PUNCT
fsr-3374	112	1	405–432	405–432	NUM
fsr-3374	112	2	5	5	NUM
fsr-3374	112	3	.	.	PUNCT
fsr-3374	112	4	hypotheses	hypothesis	NOUN
fsr-3374	112	5	h1	h1	ADJ
fsr-3374	112	6	:	:	PUNCT
fsr-3374	112	7	income	income	NOUN
fsr-3374	112	8	is	be	AUX
fsr-3374	112	9	expected	expect	VERB
fsr-3374	112	10	to	to	PART
fsr-3374	112	11	be	be	AUX
fsr-3374	112	12	related	relate	VERB
fsr-3374	112	13	positively	positively	ADV
fsr-3374	112	14	to	to	ADP
fsr-3374	112	15	seeking	seek	VERB
fsr-3374	112	16	financial	financial	ADJ
fsr-3374	112	17	advice	advice	NOUN
fsr-3374	112	18	about	about	ADP
fsr-3374	112	19	savings/	savings/	NUM
fsr-3374	112	20	investment	investment	NOUN
fsr-3374	112	21	,	,	PUNCT
fsr-3374	112	22	mortgages	mortgage	NOUN
fsr-3374	112	23	/	/	SYM
fsr-3374	112	24	loans	loan	NOUN
fsr-3374	112	25	,	,	PUNCT
fsr-3374	112	26	insurance	insurance	NOUN
fsr-3374	112	27	,	,	PUNCT
fsr-3374	112	28	and	and	CCONJ
fsr-3374	112	29	tax	tax	NOUN
fsr-3374	112	30	planning	planning	NOUN
fsr-3374	112	31	,	,	PUNCT
fsr-3374	112	32	and	and	CCONJ
fsr-3374	112	33	to	to	PART
fsr-3374	112	34	relate	relate	VERB
fsr-3374	112	35	negatively	negatively	ADV
fsr-3374	112	36	with	with	ADP
fsr-3374	112	37	debt	debt	NOUN
fsr-3374	112	38	counseling	counseling	NOUN
fsr-3374	112	39	for	for	ADP
fsr-3374	112	40	the	the	DET
fsr-3374	112	41	entire	entire	ADJ
fsr-3374	112	42	sample	sample	NOUN
fsr-3374	112	43	and	and	CCONJ
fsr-3374	112	44	subsamples	subsample	NOUN
fsr-3374	112	45	.	.	PUNCT
fsr-3374	113	1	previous	previous	ADJ
fsr-3374	113	2	literature	literature	NOUN
fsr-3374	113	3	finds	find	VERB
fsr-3374	113	4	a	a	DET
fsr-3374	113	5	positive	positive	ADJ
fsr-3374	113	6	relation	relation	NOUN
fsr-3374	113	7	between	between	ADP
fsr-3374	113	8	income	income	NOUN
fsr-3374	113	9	and	and	CCONJ
fsr-3374	113	10	the	the	DET
fsr-3374	113	11	demand	demand	NOUN
fsr-3374	113	12	for	for	ADP
fsr-3374	113	13	financial	financial	ADJ
fsr-3374	113	14	advice	advice	NOUN
fsr-3374	113	15	.	.	PUNCT
fsr-3374	114	1	h2	h2	NOUN
fsr-3374	114	2	:	:	PUNCT
fsr-3374	114	3	risk	risk	NOUN
fsr-3374	114	4	tolerance	tolerance	NOUN
fsr-3374	114	5	is	be	AUX
fsr-3374	114	6	expected	expect	VERB
fsr-3374	114	7	to	to	PART
fsr-3374	114	8	be	be	AUX
fsr-3374	114	9	related	relate	VERB
fsr-3374	114	10	positively	positively	ADV
fsr-3374	114	11	to	to	ADP
fsr-3374	114	12	seeking	seek	VERB
fsr-3374	114	13	financial	financial	ADJ
fsr-3374	114	14	advice	advice	NOUN
fsr-3374	114	15	for	for	ADP
fsr-3374	114	16	the	the	DET
fsr-3374	114	17	entire	entire	ADJ
fsr-3374	114	18	sample	sample	NOUN
fsr-3374	114	19	and	and	CCONJ
fsr-3374	114	20	subsamples	subsample	NOUN
fsr-3374	114	21	.	.	PUNCT
fsr-3374	115	1	research	research	NOUN
fsr-3374	115	2	indicates	indicate	VERB
fsr-3374	115	3	that	that	SCONJ
fsr-3374	115	4	this	this	DET
fsr-3374	115	5	factor	factor	NOUN
fsr-3374	115	6	has	have	AUX
fsr-3374	115	7	been	be	AUX
fsr-3374	115	8	found	find	VERB
fsr-3374	115	9	to	to	PART
fsr-3374	115	10	increase	increase	VERB
fsr-3374	115	11	the	the	DET
fsr-3374	115	12	likelihood	likelihood	NOUN
fsr-3374	115	13	to	to	PART
fsr-3374	115	14	seek	seek	VERB
fsr-3374	115	15	financial	financial	ADJ
fsr-3374	115	16	help	help	NOUN
fsr-3374	115	17	from	from	ADP
fsr-3374	115	18	professionals	professional	NOUN
fsr-3374	115	19	.	.	PUNCT
fsr-3374	116	1	h3	h3	NOUN
fsr-3374	116	2	:	:	PUNCT
fsr-3374	116	3	perceived	perceive	VERB
fsr-3374	116	4	financial	financial	ADJ
fsr-3374	116	5	knowledge	knowledge	NOUN
fsr-3374	116	6	is	be	AUX
fsr-3374	116	7	expected	expect	VERB
fsr-3374	116	8	to	to	PART
fsr-3374	116	9	be	be	AUX
fsr-3374	116	10	related	relate	VERB
fsr-3374	116	11	negatively	negatively	ADV
fsr-3374	116	12	to	to	ADP
fsr-3374	116	13	seeking	seek	VERB
fsr-3374	116	14	financial	financial	ADJ
fsr-3374	116	15	advice	advice	NOUN
fsr-3374	116	16	for	for	ADP
fsr-3374	116	17	the	the	DET
fsr-3374	116	18	entire	entire	ADJ
fsr-3374	116	19	sample	sample	NOUN
fsr-3374	116	20	and	and	CCONJ
fsr-3374	116	21	subsamples	subsample	NOUN
fsr-3374	116	22	.	.	PUNCT
fsr-3374	117	1	although	although	SCONJ
fsr-3374	117	2	some	some	DET
fsr-3374	117	3	studies	study	NOUN
fsr-3374	117	4	find	find	VERB
fsr-3374	117	5	that	that	SCONJ
fsr-3374	117	6	perceived	perceive	VERB
fsr-3374	117	7	knowledge	knowledge	NOUN
fsr-3374	117	8	reduces	reduce	VERB
fsr-3374	117	9	the	the	DET
fsr-3374	117	10	likelihood	likelihood	NOUN
fsr-3374	117	11	of	of	ADP
fsr-3374	117	12	asking	ask	VERB
fsr-3374	117	13	for	for	ADP
fsr-3374	117	14	advice	advice	NOUN
fsr-3374	117	15	,	,	PUNCT
fsr-3374	117	16	others	other	NOUN
fsr-3374	117	17	report	report	VERB
fsr-3374	117	18	a	a	DET
fsr-3374	117	19	positive	positive	ADJ
fsr-3374	117	20	relation	relation	NOUN
fsr-3374	117	21	between	between	ADP
fsr-3374	117	22	knowledge	knowledge	NOUN
fsr-3374	117	23	and	and	CCONJ
fsr-3374	117	24	the	the	DET
fsr-3374	117	25	use	use	NOUN
fsr-3374	117	26	of	of	ADP
fsr-3374	117	27	financial	financial	ADJ
fsr-3374	117	28	advice	advice	NOUN
fsr-3374	117	29	.	.	PUNCT
fsr-3374	118	1	h4	h4	NOUN
fsr-3374	118	2	:	:	PUNCT
fsr-3374	118	3	financial	financial	ADJ
fsr-3374	118	4	literacy	literacy	NOUN
fsr-3374	118	5	is	be	AUX
fsr-3374	118	6	expected	expect	VERB
fsr-3374	118	7	to	to	PART
fsr-3374	118	8	be	be	AUX
fsr-3374	118	9	related	relate	VERB
fsr-3374	118	10	positively	positively	ADV
fsr-3374	118	11	to	to	ADP
fsr-3374	118	12	seeking	seek	VERB
fsr-3374	118	13	all	all	DET
fsr-3374	118	14	types	type	NOUN
fsr-3374	118	15	of	of	ADP
fsr-3374	118	16	financial	financial	ADJ
fsr-3374	118	17	advice	advice	NOUN
fsr-3374	118	18	except	except	SCONJ
fsr-3374	118	19	debt	debt	NOUN
fsr-3374	118	20	counseling	counseling	NOUN
fsr-3374	118	21	for	for	ADP
fsr-3374	118	22	the	the	DET
fsr-3374	118	23	entire	entire	ADJ
fsr-3374	118	24	sample	sample	NOUN
fsr-3374	118	25	and	and	CCONJ
fsr-3374	118	26	subsamples	subsample	NOUN
fsr-3374	118	27	.	.	PUNCT
fsr-3374	119	1	the	the	DET
fsr-3374	119	2	literature	literature	NOUN
fsr-3374	119	3	finds	find	VERB
fsr-3374	119	4	that	that	SCONJ
fsr-3374	119	5	financial	financial	ADJ
fsr-3374	119	6	literacy	literacy	NOUN
fsr-3374	119	7	increases	increase	VERB
fsr-3374	119	8	the	the	DET
fsr-3374	119	9	probability	probability	NOUN
fsr-3374	119	10	of	of	ADP
fsr-3374	119	11	seeking	seek	VERB
fsr-3374	119	12	advice	advice	NOUN
fsr-3374	119	13	.	.	PUNCT
fsr-3374	120	1	however	however	ADV
fsr-3374	120	2	,	,	PUNCT
fsr-3374	120	3	some	some	DET
fsr-3374	120	4	studies	study	NOUN
fsr-3374	120	5	differentiate	differentiate	VERB
fsr-3374	120	6	between	between	ADP
fsr-3374	120	7	the	the	DET
fsr-3374	120	8	effect	effect	NOUN
fsr-3374	120	9	of	of	ADP
fsr-3374	120	10	subjective	subjective	ADJ
fsr-3374	120	11	and	and	CCONJ
fsr-3374	120	12	objective	objective	ADJ
fsr-3374	120	13	assessment	assessment	NOUN
fsr-3374	120	14	of	of	ADP
fsr-3374	120	15	financial	financial	ADJ
fsr-3374	120	16	literacy	literacy	NOUN
fsr-3374	120	17	on	on	ADP
fsr-3374	120	18	the	the	DET
fsr-3374	120	19	demand	demand	NOUN
fsr-3374	120	20	for	for	ADP
fsr-3374	120	21	financial	financial	ADJ
fsr-3374	120	22	advice	advice	NOUN
fsr-3374	120	23	.	.	PUNCT
fsr-3374	121	1	h5	h5	NOUN
fsr-3374	121	2	:	:	PUNCT
fsr-3374	121	3	financial	financial	ADJ
fsr-3374	121	4	fragility	fragility	NOUN
fsr-3374	121	5	is	be	AUX
fsr-3374	121	6	expected	expect	VERB
fsr-3374	121	7	to	to	PART
fsr-3374	121	8	be	be	AUX
fsr-3374	121	9	related	relate	VERB
fsr-3374	121	10	positively	positively	ADV
fsr-3374	121	11	to	to	ADP
fsr-3374	121	12	seeking	seek	VERB
fsr-3374	121	13	financial	financial	ADJ
fsr-3374	121	14	advice	advice	NOUN
fsr-3374	121	15	for	for	ADP
fsr-3374	121	16	the	the	DET
fsr-3374	121	17	entire	entire	ADJ
fsr-3374	121	18	sample	sample	NOUN
fsr-3374	121	19	and	and	CCONJ
fsr-3374	121	20	subsamples	subsample	NOUN
fsr-3374	121	21	.	.	PUNCT
fsr-3374	122	1	although	although	SCONJ
fsr-3374	122	2	respondents	respondent	NOUN
fsr-3374	122	3	who	who	PRON
fsr-3374	122	4	experience	experience	VERB
fsr-3374	122	5	financial	financial	ADJ
fsr-3374	122	6	stressors	stressor	NOUN
fsr-3374	122	7	are	be	AUX
fsr-3374	122	8	more	more	ADV
fsr-3374	122	9	likely	likely	ADJ
fsr-3374	122	10	to	to	PART
fsr-3374	122	11	seek	seek	VERB
fsr-3374	122	12	advice	advice	NOUN
fsr-3374	122	13	,	,	PUNCT
fsr-3374	122	14	those	those	PRON
fsr-3374	122	15	who	who	PRON
fsr-3374	122	16	are	be	AUX
fsr-3374	122	17	financially	financially	ADV
fsr-3374	122	18	fragile	fragile	ADJ
fsr-3374	122	19	might	might	AUX
fsr-3374	122	20	not	not	PART
fsr-3374	122	21	afford	afford	VERB
fsr-3374	122	22	the	the	DET
fsr-3374	122	23	purchase	purchase	NOUN
fsr-3374	122	24	of	of	ADP
fsr-3374	122	25	financial	financial	ADJ
fsr-3374	122	26	advice	advice	NOUN
fsr-3374	122	27	.	.	PUNCT
fsr-3374	123	1	table	table	NOUN
fsr-3374	123	2	1	1	NUM
fsr-3374	123	3	(	(	PUNCT
fsr-3374	123	4	continued	continued	ADJ
fsr-3374	123	5	)	)	PUNCT
fsr-3374	123	6	mean	mean	VERB
fsr-3374	123	7	standard	standard	ADJ
fsr-3374	123	8	error	error	NOUN
fsr-3374	123	9	perceived	perceive	VERB
fsr-3374	123	10	financial	financial	ADJ
fsr-3374	123	11	knowledge	knowledge	NOUN
fsr-3374	123	12	low	low	ADJ
fsr-3374	123	13	0.0915	0.0915	NUM
fsr-3374	123	14	0.0022	0.0022	NUM
fsr-3374	123	15	medium	medium	NOUN
fsr-3374	123	16	0.1487	0.1487	NUM
fsr-3374	123	17	0.0027	0.0027	NUM
fsr-3374	123	18	high	high	ADJ
fsr-3374	123	19	0.7288	0.7288	NUM
fsr-3374	123	20	0.0034	0.0034	NUM
fsr-3374	123	21	financial	financial	ADJ
fsr-3374	123	22	literacy	literacy	NOUN
fsr-3374	123	23	2.8781	2.8781	NUM
fsr-3374	123	24	0.0110	0.0110	NUM
fsr-3374	123	25	financial	financial	ADJ
fsr-3374	123	26	fragility	fragility	NOUN
fsr-3374	123	27	2.3821	2.3821	NUM
fsr-3374	123	28	0.0133	0.0133	NUM
fsr-3374	123	29	number	number	NOUN
fsr-3374	123	30	of	of	ADP
fsr-3374	123	31	observations	observation	NOUN
fsr-3374	123	32	25,509	25,509	NUM
fsr-3374	123	33	0	0	NUM
fsr-3374	123	34	%	%	NOUN
fsr-3374	123	35	5	5	NUM
fsr-3374	123	36	%	%	NOUN
fsr-3374	123	37	10	10	NUM
fsr-3374	123	38	%	%	NOUN
fsr-3374	123	39	15	15	NUM
fsr-3374	123	40	%	%	NOUN
fsr-3374	123	41	20	20	NUM
fsr-3374	123	42	%	%	NOUN
fsr-3374	123	43	25	25	NUM
fsr-3374	123	44	%	%	NOUN
fsr-3374	123	45	30	30	NUM
fsr-3374	123	46	%	%	NOUN
fsr-3374	123	47	35	35	NUM
fsr-3374	123	48	%	%	NOUN
fsr-3374	123	49	debt	debt	NOUN
fsr-3374	123	50	counseling	counseling	NOUN
fsr-3374	123	51	savings	saving	NOUN
fsr-3374	123	52	or	or	CCONJ
fsr-3374	123	53	investment	investment	NOUN
fsr-3374	123	54	mortgage	mortgage	NOUN
fsr-3374	123	55	or	or	CCONJ
fsr-3374	123	56	loan	loan	NOUN
fsr-3374	123	57	insurance	insurance	NOUN
fsr-3374	123	58	tax	tax	NOUN
fsr-3374	123	59	planning	planning	NOUN
fsr-3374	123	60	pe	pe	PROPN
fsr-3374	123	61	rc	rc	PROPN
fsr-3374	123	62	en	en	X
fsr-3374	123	63	ta	ta	X
fsr-3374	124	1	ge	ge	PROPN
fsr-3374	125	1	o	o	PROPN
fsr-3374	125	2	f	f	PROPN
fsr-3374	126	1	a	a	DET
fsr-3374	126	2	dv	dv	PROPN
fsr-3374	126	3	ic	ic	PROPN
fsr-3374	126	4	e	e	PROPN
fsr-3374	126	5	u	u	PROPN
fsr-3374	126	6	se	se	X
fsr-3374	126	7	rs	rs	PROPN
fsr-3374	126	8	type	type	NOUN
fsr-3374	126	9	of	of	ADP
fsr-3374	126	10	financial	financial	ADJ
fsr-3374	126	11	advice	advice	NOUN
fsr-3374	126	12	fig	fig	NOUN
fsr-3374	126	13	.	.	PUNCT
fsr-3374	127	1	1	1	X
fsr-3374	127	2	.	.	X
fsr-3374	128	1	demand	demand	NOUN
fsr-3374	128	2	for	for	ADP
fsr-3374	128	3	financial	financial	ADJ
fsr-3374	128	4	advice	advice	NOUN
fsr-3374	128	5	.	.	PUNCT
fsr-3374	129	1	source	source	NOUN
fsr-3374	129	2	:	:	PUNCT
fsr-3374	129	3	author	author	NOUN
fsr-3374	129	4	’s	’s	PART
fsr-3374	129	5	tabulation	tabulation	NOUN
fsr-3374	129	6	of	of	ADP
fsr-3374	129	7	data	datum	NOUN
fsr-3374	129	8	from	from	ADP
fsr-3374	129	9	the	the	DET
fsr-3374	129	10	2012	2012	NUM
fsr-3374	129	11	finra	finra	PROPN
fsr-3374	129	12	national	national	ADJ
fsr-3374	129	13	financial	financial	ADJ
fsr-3374	129	14	capability	capability	NOUN
fsr-3374	129	15	study	study	NOUN
fsr-3374	129	16	.	.	PUNCT
fsr-3374	130	1	412	412	NUM
fsr-3374	130	2	m.h	m.h	PROPN
fsr-3374	130	3	.	.	PROPN
fsr-3374	130	4	alyousif	alyousif	PROPN
fsr-3374	130	5	,	,	PUNCT
fsr-3374	130	6	c.m	c.m	PROPN
fsr-3374	130	7	.	.	PROPN
fsr-3374	130	8	kalenkoski	kalenkoski	PROPN
fsr-3374	130	9	/	/	SYM
fsr-3374	130	10	financial	financial	ADJ
fsr-3374	130	11	services	service	NOUN
fsr-3374	130	12	review	review	VERB
fsr-3374	130	13	26	26	NUM
fsr-3374	130	14	(	(	PUNCT
fsr-3374	130	15	2017	2017	NUM
fsr-3374	130	16	)	)	PUNCT
fsr-3374	131	1	405–432	405–432	NUM
fsr-3374	131	2	6	6	NUM
fsr-3374	131	3	.	.	PUNCT
fsr-3374	131	4	descriptive	descriptive	ADJ
fsr-3374	131	5	statistics	statistic	NOUN
fsr-3374	131	6	the	the	DET
fsr-3374	131	7	summary	summary	NOUN
fsr-3374	131	8	statistics	statistic	NOUN
fsr-3374	131	9	of	of	ADP
fsr-3374	131	10	the	the	DET
fsr-3374	131	11	dependent	dependent	ADJ
fsr-3374	131	12	and	and	CCONJ
fsr-3374	131	13	independent	independent	ADJ
fsr-3374	131	14	variables	variable	NOUN
fsr-3374	131	15	are	be	AUX
fsr-3374	131	16	provided	provide	VERB
fsr-3374	131	17	in	in	ADP
fsr-3374	131	18	table	table	NOUN
fsr-3374	131	19	1	1	NUM
fsr-3374	131	20	.	.	PUNCT
fsr-3374	132	1	the	the	DET
fsr-3374	132	2	first	first	ADJ
fsr-3374	132	3	important	important	ADJ
fsr-3374	132	4	observation	observation	NOUN
fsr-3374	132	5	to	to	PART
fsr-3374	132	6	be	be	AUX
fsr-3374	132	7	made	make	VERB
fsr-3374	132	8	is	be	AUX
fsr-3374	132	9	the	the	DET
fsr-3374	132	10	low	low	ADJ
fsr-3374	132	11	demand	demand	NOUN
fsr-3374	132	12	for	for	ADP
fsr-3374	132	13	financial	financial	ADJ
fsr-3374	132	14	advice	advice	NOUN
fsr-3374	132	15	,	,	PUNCT
fsr-3374	132	16	which	which	PRON
fsr-3374	132	17	is	be	AUX
fsr-3374	132	18	utilized	utilize	VERB
fsr-3374	132	19	by	by	ADP
fsr-3374	132	20	9–30	9–30	NUM
fsr-3374	132	21	%	%	NOUN
fsr-3374	132	22	of	of	ADP
fsr-3374	132	23	the	the	DET
fsr-3374	132	24	population	population	NOUN
fsr-3374	132	25	,	,	PUNCT
fsr-3374	132	26	depending	depend	VERB
fsr-3374	132	27	on	on	ADP
fsr-3374	132	28	the	the	DET
fsr-3374	132	29	type	type	NOUN
fsr-3374	132	30	of	of	ADP
fsr-3374	132	31	advice	advice	NOUN
fsr-3374	132	32	.	.	PUNCT
fsr-3374	133	1	sixty	sixty	NUM
fsr-3374	133	2	-	-	PUNCT
fsr-3374	133	3	six	six	NUM
fsr-3374	133	4	percent	percent	NOUN
fsr-3374	133	5	of	of	ADP
fsr-3374	133	6	respondents	respondent	NOUN
fsr-3374	133	7	are	be	AUX
fsr-3374	133	8	white	white	ADJ
fsr-3374	133	9	and	and	CCONJ
fsr-3374	133	10	34	34	NUM
fsr-3374	133	11	%	%	NOUN
fsr-3374	133	12	are	be	AUX
fsr-3374	133	13	non	non	ADJ
fsr-3374	133	14	-	-	ADJ
fsr-3374	133	15	white	white	ADJ
fsr-3374	133	16	respondents	respondent	NOUN
fsr-3374	133	17	.	.	PUNCT
fsr-3374	134	1	seventy	seventy	NUM
fsr-3374	134	2	-	-	PUNCT
fsr-3374	134	3	four	four	NUM
fsr-3374	134	4	percent	percent	NOUN
fsr-3374	134	5	of	of	ADP
fsr-3374	134	6	respondents	respondent	NOUN
fsr-3374	134	7	have	have	VERB
fsr-3374	134	8	some	some	DET
fsr-3374	134	9	college	college	NOUN
fsr-3374	134	10	education	education	NOUN
fsr-3374	134	11	or	or	CCONJ
fsr-3374	134	12	less	less	ADJ
fsr-3374	134	13	.	.	PUNCT
fsr-3374	135	1	married	married	ADJ
fsr-3374	135	2	individuals	individual	NOUN
fsr-3374	135	3	are	be	AUX
fsr-3374	135	4	the	the	DET
fsr-3374	135	5	majority	majority	NOUN
fsr-3374	135	6	at	at	ADP
fsr-3374	135	7	54	54	NUM
fsr-3374	135	8	%	%	NOUN
fsr-3374	135	9	,	,	PUNCT
fsr-3374	135	10	followed	follow	VERB
fsr-3374	135	11	by	by	ADP
fsr-3374	135	12	singles	single	NOUN
fsr-3374	135	13	at	at	ADP
fsr-3374	135	14	38	38	NUM
fsr-3374	135	15	%	%	NOUN
fsr-3374	135	16	,	,	PUNCT
fsr-3374	135	17	and	and	CCONJ
fsr-3374	135	18	individuals	individual	NOUN
fsr-3374	135	19	who	who	PRON
fsr-3374	135	20	are	be	AUX
fsr-3374	135	21	living	live	VERB
fsr-3374	135	22	with	with	ADP
fsr-3374	135	23	partners	partner	NOUN
fsr-3374	135	24	at	at	ADP
fsr-3374	135	25	8	8	NUM
fsr-3374	135	26	%	%	NOUN
fsr-3374	135	27	.	.	PUNCT
fsr-3374	136	1	thirty	thirty	NUM
fsr-3374	136	2	-	-	PUNCT
fsr-3374	136	3	two	two	NUM
fsr-3374	136	4	percent	percent	NOUN
fsr-3374	136	5	of	of	ADP
fsr-3374	136	6	respondents	respondent	NOUN
fsr-3374	136	7	have	have	VERB
fsr-3374	136	8	no	no	DET
fsr-3374	136	9	children	child	NOUN
fsr-3374	136	10	and	and	CCONJ
fsr-3374	136	11	29	29	NUM
fsr-3374	136	12	%	%	NOUN
fsr-3374	136	13	have	have	VERB
fsr-3374	136	14	children	child	NOUN
fsr-3374	136	15	who	who	PRON
fsr-3374	136	16	are	be	AUX
fsr-3374	136	17	financially	financially	ADV
fsr-3374	136	18	independent	independent	ADJ
fsr-3374	136	19	.	.	PUNCT
fsr-3374	137	1	proportions	proportion	NOUN
fsr-3374	137	2	are	be	AUX
fsr-3374	137	3	distributed	distribute	VERB
fsr-3374	137	4	evenly	evenly	ADV
fsr-3374	137	5	among	among	ADP
fsr-3374	137	6	the	the	DET
fsr-3374	137	7	income	income	NOUN
fsr-3374	137	8	categories	category	NOUN
fsr-3374	137	9	,	,	PUNCT
fsr-3374	137	10	except	except	SCONJ
fsr-3374	137	11	for	for	ADP
fsr-3374	137	12	the	the	DET
fsr-3374	137	13	$	$	SYM
fsr-3374	137	14	50,000	50,000	NUM
fsr-3374	137	15	to	to	PART
fsr-3374	137	16	$	$	SYM
fsr-3374	137	17	75,000	75,000	NUM
fsr-3374	137	18	,	,	PUNCT
fsr-3374	137	19	which	which	PRON
fsr-3374	137	20	represents	represent	VERB
fsr-3374	137	21	19	19	NUM
fsr-3374	137	22	%	%	NOUN
fsr-3374	137	23	of	of	ADP
fsr-3374	137	24	the	the	DET
fsr-3374	137	25	population	population	NOUN
fsr-3374	137	26	,	,	PUNCT
fsr-3374	137	27	and	and	CCONJ
fsr-3374	137	28	those	those	PRON
fsr-3374	137	29	making	make	VERB
fsr-3374	137	30	$	$	SYM
fsr-3374	137	31	150,000	150,000	NUM
fsr-3374	137	32	or	or	CCONJ
fsr-3374	137	33	more	more	ADJ
fsr-3374	137	34	,	,	PUNCT
fsr-3374	137	35	which	which	PRON
fsr-3374	137	36	represents	represent	VERB
fsr-3374	137	37	6	6	NUM
fsr-3374	137	38	%	%	NOUN
fsr-3374	137	39	of	of	ADP
fsr-3374	137	40	the	the	DET
fsr-3374	137	41	population	population	NOUN
fsr-3374	137	42	.	.	PUNCT
fsr-3374	138	1	only	only	ADV
fsr-3374	138	2	17	17	NUM
fsr-3374	138	3	%	%	NOUN
fsr-3374	138	4	of	of	ADP
fsr-3374	138	5	respondents	respondent	NOUN
fsr-3374	138	6	have	have	VERB
fsr-3374	138	7	a	a	DET
fsr-3374	138	8	high	high	ADJ
fsr-3374	138	9	-	-	PUNCT
fsr-3374	138	10	risk	risk	NOUN
fsr-3374	138	11	-	-	PUNCT
fsr-3374	138	12	tolerance	tolerance	NOUN
fsr-3374	138	13	level	level	NOUN
fsr-3374	138	14	,	,	PUNCT
fsr-3374	138	15	while	while	SCONJ
fsr-3374	138	16	the	the	DET
fsr-3374	138	17	majority	majority	NOUN
fsr-3374	138	18	of	of	ADP
fsr-3374	138	19	respondents	respondent	NOUN
fsr-3374	138	20	(	(	PUNCT
fsr-3374	138	21	44	44	NUM
fsr-3374	138	22	%	%	NOUN
fsr-3374	138	23	)	)	PUNCT
fsr-3374	138	24	have	have	VERB
fsr-3374	138	25	a	a	DET
fsr-3374	138	26	medium	medium	ADJ
fsr-3374	138	27	-	-	PUNCT
fsr-3374	138	28	risk	risk	NOUN
fsr-3374	138	29	-	-	PUNCT
fsr-3374	138	30	tolerance	tolerance	NOUN
fsr-3374	138	31	level.8	level.8	PROPN
fsr-3374	138	32	each	each	DET
fsr-3374	138	33	type	type	NOUN
fsr-3374	138	34	of	of	ADP
fsr-3374	138	35	financial	financial	ADJ
fsr-3374	138	36	advice	advice	NOUN
fsr-3374	138	37	serves	serve	VERB
fsr-3374	138	38	a	a	DET
fsr-3374	138	39	specific	specific	ADJ
fsr-3374	138	40	purpose	purpose	NOUN
fsr-3374	138	41	,	,	PUNCT
fsr-3374	138	42	which	which	PRON
fsr-3374	138	43	explains	explain	VERB
fsr-3374	138	44	the	the	DET
fsr-3374	138	45	advice	advice	NOUN
fsr-3374	138	46	use	use	NOUN
fsr-3374	138	47	distribution	distribution	NOUN
fsr-3374	138	48	in	in	ADP
fsr-3374	138	49	fig	fig	NOUN
fsr-3374	138	50	.	.	PUNCT
fsr-3374	138	51	1	1	NUM
fsr-3374	138	52	and	and	CCONJ
fsr-3374	138	53	shows	show	VERB
fsr-3374	138	54	that	that	SCONJ
fsr-3374	138	55	the	the	DET
fsr-3374	138	56	two	two	NUM
fsr-3374	138	57	most	most	ADV
fsr-3374	138	58	sought	seek	VERB
fsr-3374	138	59	after	after	ADP
fsr-3374	138	60	types	type	NOUN
fsr-3374	138	61	of	of	ADP
fsr-3374	138	62	financial	financial	ADJ
fsr-3374	138	63	advice	advice	NOUN
fsr-3374	138	64	are	be	AUX
fsr-3374	138	65	insurance	insurance	NOUN
fsr-3374	138	66	and	and	CCONJ
fsr-3374	138	67	savings	saving	NOUN
fsr-3374	138	68	/	/	SYM
fsr-3374	138	69	investment	investment	NOUN
fsr-3374	138	70	.	.	PUNCT
fsr-3374	139	1	even	even	ADV
fsr-3374	139	2	though	though	SCONJ
fsr-3374	139	3	86	86	NUM
fsr-3374	139	4	%	%	NOUN
fsr-3374	139	5	of	of	ADP
fsr-3374	139	6	respondents	respondent	NOUN
fsr-3374	139	7	to	to	ADP
fsr-3374	139	8	a	a	DET
fsr-3374	139	9	cfp	cfp	NOUN
fsr-3374	139	10	stress	stress	NOUN
fsr-3374	139	11	awareness	awareness	NOUN
fsr-3374	139	12	survey	survey	NOUN
fsr-3374	139	13	point	point	NOUN
fsr-3374	139	14	to	to	ADP
fsr-3374	139	15	debt	debt	NOUN
fsr-3374	139	16	and	and	CCONJ
fsr-3374	139	17	daily	daily	ADJ
fsr-3374	139	18	expenses	expense	NOUN
fsr-3374	139	19	as	as	ADP
fsr-3374	139	20	the	the	DET
fsr-3374	139	21	two	two	NUM
fsr-3374	139	22	primary	primary	ADJ
fsr-3374	139	23	sources	source	NOUN
fsr-3374	139	24	of	of	ADP
fsr-3374	139	25	stress	stress	NOUN
fsr-3374	139	26	(	(	PUNCT
fsr-3374	139	27	orc	orc	NOUN
fsr-3374	139	28	,	,	PUNCT
fsr-3374	139	29	2015	2015	NUM
fsr-3374	139	30	)	)	PUNCT
fsr-3374	139	31	,	,	PUNCT
fsr-3374	139	32	debt	debt	NOUN
fsr-3374	139	33	counseling	counseling	NOUN
fsr-3374	139	34	is	be	AUX
fsr-3374	139	35	the	the	DET
fsr-3374	139	36	least	least	ADJ
fsr-3374	139	37	demanded	demand	VERB
fsr-3374	139	38	type	type	NOUN
fsr-3374	139	39	of	of	ADP
fsr-3374	139	40	advice	advice	NOUN
fsr-3374	139	41	at	at	ADP
fsr-3374	139	42	9	9	NUM
fsr-3374	139	43	%	%	NOUN
fsr-3374	139	44	.	.	PUNCT
fsr-3374	140	1	although	although	SCONJ
fsr-3374	140	2	73	73	NUM
fsr-3374	140	3	%	%	NOUN
fsr-3374	140	4	of	of	ADP
fsr-3374	140	5	respondents	respondent	NOUN
fsr-3374	140	6	rated	rate	VERB
fsr-3374	140	7	themselves	themselves	PRON
fsr-3374	140	8	high	high	ADJ
fsr-3374	140	9	when	when	SCONJ
fsr-3374	140	10	asked	ask	VERB
fsr-3374	140	11	to	to	PART
fsr-3374	140	12	give	give	VERB
fsr-3374	140	13	a	a	DET
fsr-3374	140	14	subjective	subjective	ADJ
fsr-3374	140	15	assessment	assessment	NOUN
fsr-3374	140	16	of	of	ADP
fsr-3374	140	17	their	their	PRON
fsr-3374	140	18	overall	overall	ADJ
fsr-3374	140	19	financial	financial	ADJ
fsr-3374	140	20	knowledge,9	knowledge,9	X
fsr-3374	140	21	average	average	ADJ
fsr-3374	140	22	financial	financial	ADJ
fsr-3374	140	23	literacy	literacy	NOUN
fsr-3374	140	24	on	on	ADP
fsr-3374	140	25	a	a	DET
fsr-3374	140	26	scale	scale	NOUN
fsr-3374	140	27	of	of	ADP
fsr-3374	140	28	0–5	0–5	NOUN
fsr-3374	140	29	is	be	AUX
fsr-3374	140	30	only	only	ADV
fsr-3374	140	31	2.9	2.9	NUM
fsr-3374	140	32	.	.	PUNCT
fsr-3374	141	1	financial	financial	ADJ
fsr-3374	141	2	fragility	fragility	NOUN
fsr-3374	141	3	is	be	AUX
fsr-3374	141	4	measured	measure	VERB
fsr-3374	141	5	on	on	ADP
fsr-3374	141	6	a	a	DET
fsr-3374	141	7	scale	scale	NOUN
fsr-3374	141	8	of	of	ADP
fsr-3374	141	9	0–6	0–6	NOUN
fsr-3374	141	10	,	,	PUNCT
fsr-3374	141	11	and	and	CCONJ
fsr-3374	141	12	each	each	DET
fsr-3374	141	13	number	number	NOUN
fsr-3374	141	14	represents	represent	VERB
fsr-3374	141	15	the	the	DET
fsr-3374	141	16	cumulative	cumulative	ADJ
fsr-3374	141	17	signs	sign	NOUN
fsr-3374	141	18	of	of	ADP
fsr-3374	141	19	financial	financial	ADJ
fsr-3374	141	20	difficulty	difficulty	NOUN
fsr-3374	141	21	across	across	ADP
fsr-3374	141	22	the	the	DET
fsr-3374	141	23	seven	seven	NUM
fsr-3374	141	24	financial	financial	ADJ
fsr-3374	141	25	fragility	fragility	NOUN
fsr-3374	141	26	questions	question	NOUN
fsr-3374	141	27	.	.	PUNCT
fsr-3374	142	1	table	table	NOUN
fsr-3374	142	2	2	2	NUM
fsr-3374	142	3	reveals	reveal	VERB
fsr-3374	142	4	that	that	SCONJ
fsr-3374	142	5	only	only	ADV
fsr-3374	142	6	a	a	DET
fsr-3374	142	7	quarter	quarter	NOUN
fsr-3374	142	8	of	of	ADP
fsr-3374	142	9	respondents	respondent	NOUN
fsr-3374	142	10	do	do	AUX
fsr-3374	142	11	not	not	PART
fsr-3374	142	12	experience	experience	VERB
fsr-3374	142	13	any	any	PRON
fsr-3374	142	14	of	of	ADP
fsr-3374	142	15	the	the	DET
fsr-3374	142	16	six	six	NUM
fsr-3374	142	17	signs	sign	NOUN
fsr-3374	142	18	of	of	ADP
fsr-3374	142	19	financial	financial	ADJ
fsr-3374	142	20	fragility	fragility	NOUN
fsr-3374	142	21	.	.	PUNCT
fsr-3374	143	1	fig	fig	NOUN
fsr-3374	143	2	.	.	PUNCT
fsr-3374	144	1	2	2	NUM
fsr-3374	144	2	shows	show	VERB
fsr-3374	144	3	that	that	SCONJ
fsr-3374	144	4	56	56	NUM
fsr-3374	144	5	%	%	NOUN
fsr-3374	144	6	of	of	ADP
fsr-3374	144	7	respondents	respondent	NOUN
fsr-3374	144	8	report	report	VERB
fsr-3374	144	9	difficulty	difficulty	NOUN
fsr-3374	144	10	in	in	ADP
fsr-3374	144	11	covering	cover	VERB
fsr-3374	144	12	expenses	expense	NOUN
fsr-3374	144	13	and	and	CCONJ
fsr-3374	144	14	paying	pay	VERB
fsr-3374	144	15	bills	bill	NOUN
fsr-3374	144	16	and	and	CCONJ
fsr-3374	144	17	that	that	SCONJ
fsr-3374	144	18	55	55	NUM
fsr-3374	144	19	%	%	NOUN
fsr-3374	144	20	have	have	VERB
fsr-3374	144	21	no	no	DET
fsr-3374	144	22	emergency	emergency	NOUN
fsr-3374	144	23	fund	fund	NOUN
fsr-3374	144	24	that	that	PRON
fsr-3374	144	25	could	could	AUX
fsr-3374	144	26	cover	cover	VERB
fsr-3374	144	27	expenses	expense	NOUN
fsr-3374	144	28	for	for	ADP
fsr-3374	144	29	3	3	NUM
fsr-3374	144	30	months	month	NOUN
fsr-3374	144	31	.	.	PUNCT
fsr-3374	145	1	the	the	DET
fsr-3374	145	2	comparison	comparison	NOUN
fsr-3374	145	3	between	between	ADP
fsr-3374	145	4	females	female	NOUN
fsr-3374	145	5	and	and	CCONJ
fsr-3374	145	6	males	male	NOUN
fsr-3374	145	7	is	be	AUX
fsr-3374	145	8	provided	provide	VERB
fsr-3374	145	9	in	in	ADP
fsr-3374	145	10	table	table	NOUN
fsr-3374	145	11	3	3	NUM
fsr-3374	145	12	.	.	PUNCT
fsr-3374	146	1	the	the	DET
fsr-3374	146	2	t	t	PROPN
fsr-3374	146	3	test	test	NOUN
fsr-3374	146	4	results	result	NOUN
fsr-3374	146	5	indicate	indicate	VERB
fsr-3374	146	6	that	that	SCONJ
fsr-3374	146	7	the	the	DET
fsr-3374	146	8	significant	significant	ADJ
fsr-3374	146	9	difference	difference	NOUN
fsr-3374	146	10	between	between	ADP
fsr-3374	146	11	females	female	NOUN
fsr-3374	146	12	and	and	CCONJ
fsr-3374	146	13	males	male	NOUN
fsr-3374	146	14	is	be	AUX
fsr-3374	146	15	related	relate	VERB
fsr-3374	146	16	to	to	ADP
fsr-3374	146	17	seeking	seek	VERB
fsr-3374	146	18	financial	financial	ADJ
fsr-3374	146	19	advice	advice	NOUN
fsr-3374	146	20	about	about	ADP
fsr-3374	146	21	savings	saving	NOUN
fsr-3374	146	22	/	/	SYM
fsr-3374	146	23	investment	investment	NOUN
fsr-3374	146	24	,	,	PUNCT
fsr-3374	146	25	mortgages	mortgage	NOUN
fsr-3374	146	26	/	/	SYM
fsr-3374	146	27	loans	loan	NOUN
fsr-3374	146	28	,	,	PUNCT
fsr-3374	146	29	and	and	CCONJ
fsr-3374	146	30	tax	tax	NOUN
fsr-3374	146	31	planning	planning	NOUN
fsr-3374	146	32	.	.	PUNCT
fsr-3374	147	1	as	as	ADP
fsr-3374	147	2	for	for	ADP
fsr-3374	147	3	debt	debt	NOUN
fsr-3374	147	4	counseling	counseling	NOUN
fsr-3374	147	5	,	,	PUNCT
fsr-3374	147	6	and	and	CCONJ
fsr-3374	147	7	insurance	insurance	NOUN
fsr-3374	147	8	,	,	PUNCT
fsr-3374	147	9	there	there	PRON
fsr-3374	147	10	is	be	VERB
fsr-3374	147	11	no	no	DET
fsr-3374	147	12	evidence	evidence	NOUN
fsr-3374	147	13	of	of	ADP
fsr-3374	147	14	a	a	DET
fsr-3374	147	15	statistically	statistically	ADV
fsr-3374	147	16	significant	significant	ADJ
fsr-3374	147	17	difference	difference	NOUN
fsr-3374	147	18	.	.	PUNCT
fsr-3374	148	1	the	the	DET
fsr-3374	148	2	comparison	comparison	NOUN
fsr-3374	148	3	between	between	ADP
fsr-3374	148	4	the	the	DET
fsr-3374	148	5	young	young	ADJ
fsr-3374	148	6	(	(	PUNCT
fsr-3374	148	7	18–44	18–44	NUM
fsr-3374	148	8	)	)	PUNCT
fsr-3374	148	9	and	and	CCONJ
fsr-3374	148	10	the	the	DET
fsr-3374	148	11	old	old	ADJ
fsr-3374	148	12	(	(	PUNCT
fsr-3374	148	13	45	45	NUM
fsr-3374	148	14	�	�	NOUN
fsr-3374	148	15	)	)	PUNCT
fsr-3374	148	16	is	be	AUX
fsr-3374	148	17	provided	provide	VERB
fsr-3374	148	18	in	in	ADP
fsr-3374	148	19	table	table	NOUN
fsr-3374	148	20	4	4	NUM
fsr-3374	148	21	.	.	PUNCT
fsr-3374	149	1	the	the	DET
fsr-3374	149	2	t	t	PROPN
fsr-3374	149	3	test	test	NOUN
fsr-3374	149	4	results	result	NOUN
fsr-3374	149	5	indicate	indicate	VERB
fsr-3374	149	6	that	that	SCONJ
fsr-3374	149	7	the	the	DET
fsr-3374	149	8	significant	significant	ADJ
fsr-3374	149	9	difference	difference	NOUN
fsr-3374	149	10	between	between	ADP
fsr-3374	149	11	the	the	DET
fsr-3374	149	12	young	young	ADJ
fsr-3374	149	13	(	(	PUNCT
fsr-3374	149	14	18–44	18–44	NUM
fsr-3374	149	15	)	)	PUNCT
fsr-3374	149	16	and	and	CCONJ
fsr-3374	149	17	the	the	DET
fsr-3374	149	18	old	old	ADJ
fsr-3374	149	19	table	table	NOUN
fsr-3374	149	20	2	2	NUM
fsr-3374	149	21	distribution	distribution	NOUN
fsr-3374	149	22	of	of	ADP
fsr-3374	149	23	financial	financial	ADJ
fsr-3374	149	24	fragility	fragility	NOUN
fsr-3374	149	25	measure	measure	NOUN
fsr-3374	149	26	fragility	fragility	NOUN
fsr-3374	149	27	degree	degree	NOUN
fsr-3374	149	28	level	level	NOUN
fsr-3374	149	29	percentage	percentage	NOUN
fsr-3374	149	30	of	of	ADP
fsr-3374	149	31	respondents	respondent	NOUN
fsr-3374	149	32	0	0	NUM
fsr-3374	149	33	23.56	23.56	NUM
fsr-3374	149	34	%	%	NOUN
fsr-3374	149	35	1	1	NUM
fsr-3374	149	36	15.88	15.88	NUM
fsr-3374	149	37	%	%	NOUN
fsr-3374	149	38	2	2	NUM
fsr-3374	149	39	14.59	14.59	NUM
fsr-3374	149	40	%	%	NOUN
fsr-3374	149	41	3	3	NUM
fsr-3374	149	42	14.98	14.98	NUM
fsr-3374	149	43	%	%	NOUN
fsr-3374	149	44	4	4	NUM
fsr-3374	149	45	16.63	16.63	NUM
fsr-3374	149	46	%	%	NOUN
fsr-3374	149	47	5	5	NUM
fsr-3374	149	48	11.14	11.14	NUM
fsr-3374	149	49	%	%	NOUN
fsr-3374	149	50	6	6	NUM
fsr-3374	149	51	3.21	3.21	NUM
fsr-3374	149	52	%	%	NOUN
fsr-3374	149	53	the	the	DET
fsr-3374	149	54	financial	financial	ADJ
fsr-3374	149	55	fragility	fragility	NOUN
fsr-3374	149	56	measure	measure	NOUN
fsr-3374	149	57	consists	consist	VERB
fsr-3374	149	58	of	of	ADP
fsr-3374	149	59	seven	seven	NUM
fsr-3374	149	60	questions	question	NOUN
fsr-3374	149	61	in	in	ADP
fsr-3374	149	62	the	the	DET
fsr-3374	149	63	2012	2012	NUM
fsr-3374	149	64	nfcs	nfc	NOUN
fsr-3374	149	65	,	,	PUNCT
fsr-3374	149	66	which	which	PRON
fsr-3374	149	67	examine	examine	VERB
fsr-3374	149	68	a	a	DET
fsr-3374	149	69	respondent	respondent	NOUN
fsr-3374	149	70	’s	’s	PART
fsr-3374	149	71	tendency	tendency	NOUN
fsr-3374	149	72	to	to	PART
fsr-3374	149	73	experience	experience	VERB
fsr-3374	149	74	overspending	overspending	NOUN
fsr-3374	149	75	,	,	PUNCT
fsr-3374	149	76	difficulty	difficulty	NOUN
fsr-3374	149	77	in	in	ADP
fsr-3374	149	78	covering	covering	NOUN
fsr-3374	149	79	expenses	expense	NOUN
fsr-3374	149	80	,	,	PUNCT
fsr-3374	149	81	lack	lack	NOUN
fsr-3374	149	82	of	of	ADP
fsr-3374	149	83	an	an	DET
fsr-3374	149	84	emergency	emergency	NOUN
fsr-3374	149	85	fund	fund	NOUN
fsr-3374	149	86	,	,	PUNCT
fsr-3374	149	87	inability	inability	NOUN
fsr-3374	149	88	to	to	PART
fsr-3374	149	89	raise	raise	VERB
fsr-3374	149	90	$	$	SYM
fsr-3374	149	91	2,000	2,000	NUM
fsr-3374	149	92	in	in	ADP
fsr-3374	149	93	the	the	DET
fsr-3374	149	94	next	next	ADJ
fsr-3374	149	95	month	month	NOUN
fsr-3374	149	96	,	,	PUNCT
fsr-3374	149	97	lack	lack	NOUN
fsr-3374	149	98	of	of	ADP
fsr-3374	149	99	any	any	DET
fsr-3374	149	100	retirement	retirement	NOUN
fsr-3374	149	101	plan	plan	NOUN
fsr-3374	149	102	,	,	PUNCT
fsr-3374	149	103	and	and	CCONJ
fsr-3374	149	104	having	have	VERB
fsr-3374	149	105	a	a	DET
fsr-3374	149	106	high	high	ADJ
fsr-3374	149	107	level	level	NOUN
fsr-3374	149	108	of	of	ADP
fsr-3374	149	109	debt	debt	NOUN
fsr-3374	149	110	.	.	PUNCT
fsr-3374	150	1	the	the	DET
fsr-3374	150	2	table	table	NOUN
fsr-3374	150	3	shows	show	VERB
fsr-3374	150	4	the	the	DET
fsr-3374	150	5	percentage	percentage	NOUN
fsr-3374	150	6	of	of	ADP
fsr-3374	150	7	respondents	respondent	NOUN
fsr-3374	150	8	who	who	PRON
fsr-3374	150	9	experience	experience	VERB
fsr-3374	150	10	different	different	ADJ
fsr-3374	150	11	degrees	degree	NOUN
fsr-3374	150	12	of	of	ADP
fsr-3374	150	13	financial	financial	ADJ
fsr-3374	150	14	fragility	fragility	NOUN
fsr-3374	150	15	.	.	PUNCT
fsr-3374	151	1	413m.h	413m.h	NUM
fsr-3374	151	2	.	.	PUNCT
fsr-3374	152	1	alyousif	alyousif	PROPN
fsr-3374	152	2	,	,	PUNCT
fsr-3374	152	3	c.m	c.m	PROPN
fsr-3374	152	4	.	.	PROPN
fsr-3374	152	5	kalenkoski	kalenkoski	PROPN
fsr-3374	152	6	/	/	SYM
fsr-3374	152	7	financial	financial	ADJ
fsr-3374	152	8	services	service	NOUN
fsr-3374	152	9	review	review	VERB
fsr-3374	152	10	26	26	NUM
fsr-3374	152	11	(	(	PUNCT
fsr-3374	152	12	2017	2017	NUM
fsr-3374	152	13	)	)	PUNCT
fsr-3374	153	1	405–432	405–432	NUM
fsr-3374	153	2	(	(	PUNCT
fsr-3374	153	3	45	45	NUM
fsr-3374	153	4	�	�	NOUN
fsr-3374	153	5	)	)	PUNCT
fsr-3374	153	6	is	be	AUX
fsr-3374	153	7	related	relate	VERB
fsr-3374	153	8	to	to	ADP
fsr-3374	153	9	seeking	seek	VERB
fsr-3374	153	10	financial	financial	ADJ
fsr-3374	153	11	advice	advice	NOUN
fsr-3374	153	12	about	about	ADP
fsr-3374	153	13	debt	debt	NOUN
fsr-3374	153	14	counseling	counseling	NOUN
fsr-3374	153	15	,	,	PUNCT
fsr-3374	153	16	savings	saving	NOUN
fsr-3374	153	17	/	/	SYM
fsr-3374	153	18	investment	investment	NOUN
fsr-3374	153	19	,	,	PUNCT
fsr-3374	153	20	and	and	CCONJ
fsr-3374	153	21	mortgages	mortgage	NOUN
fsr-3374	153	22	/	/	SYM
fsr-3374	153	23	loans	loan	NOUN
fsr-3374	153	24	.	.	PUNCT
fsr-3374	154	1	as	as	ADP
fsr-3374	154	2	for	for	ADP
fsr-3374	154	3	insurance	insurance	NOUN
fsr-3374	154	4	and	and	CCONJ
fsr-3374	154	5	tax	tax	NOUN
fsr-3374	154	6	planning	planning	NOUN
fsr-3374	154	7	,	,	PUNCT
fsr-3374	154	8	there	there	PRON
fsr-3374	154	9	is	be	VERB
fsr-3374	154	10	no	no	DET
fsr-3374	154	11	evidence	evidence	NOUN
fsr-3374	154	12	of	of	ADP
fsr-3374	154	13	a	a	DET
fsr-3374	154	14	statistically	statistically	ADV
fsr-3374	154	15	significant	significant	ADJ
fsr-3374	154	16	difference	difference	NOUN
fsr-3374	154	17	.	.	PUNCT
fsr-3374	155	1	the	the	DET
fsr-3374	155	2	comparison	comparison	NOUN
fsr-3374	155	3	between	between	ADP
fsr-3374	155	4	the	the	DET
fsr-3374	155	5	financially	financially	ADV
fsr-3374	155	6	illiterate	illiterate	ADJ
fsr-3374	155	7	and	and	CCONJ
fsr-3374	155	8	financially	financially	ADV
fsr-3374	155	9	literate	literate	ADJ
fsr-3374	155	10	respondents	respondent	NOUN
fsr-3374	155	11	is	be	AUX
fsr-3374	155	12	provided	provide	VERB
fsr-3374	155	13	in	in	ADP
fsr-3374	155	14	table	table	NOUN
fsr-3374	155	15	5	5	NUM
fsr-3374	155	16	.	.	PUNCT
fsr-3374	155	17	financial	financial	ADJ
fsr-3374	155	18	illiteracy	illiteracy	NOUN
fsr-3374	155	19	is	be	AUX
fsr-3374	155	20	defined	define	VERB
fsr-3374	155	21	as	as	ADP
fsr-3374	155	22	answering	answer	VERB
fsr-3374	155	23	two	two	NUM
fsr-3374	155	24	questions	question	NOUN
fsr-3374	155	25	or	or	CCONJ
fsr-3374	155	26	less	less	ADJ
fsr-3374	155	27	0	0	NUM
fsr-3374	155	28	%	%	NOUN
fsr-3374	155	29	10	10	NUM
fsr-3374	155	30	%	%	NOUN
fsr-3374	155	31	20	20	NUM
fsr-3374	155	32	%	%	NOUN
fsr-3374	155	33	30	30	NUM
fsr-3374	155	34	%	%	NOUN
fsr-3374	155	35	40	40	NUM
fsr-3374	155	36	%	%	NOUN
fsr-3374	155	37	50	50	NUM
fsr-3374	155	38	%	%	NOUN
fsr-3374	155	39	60	60	NUM
fsr-3374	155	40	%	%	NOUN
fsr-3374	155	41	pe	pe	PROPN
fsr-3374	155	42	rc	rc	PROPN
fsr-3374	155	43	en	en	X
fsr-3374	155	44	ta	ta	X
fsr-3374	155	45	ge	ge	PROPN
fsr-3374	156	1	o	o	X
fsr-3374	156	2	f	f	X
fsr-3374	156	3	r	r	NOUN
fsr-3374	156	4	es	es	X
fsr-3374	156	5	po	po	X
fsr-3374	156	6	nd	nd	ADV
fsr-3374	156	7	en	en	X
fsr-3374	156	8	ts	ts	X
fsr-3374	156	9	fig	fig	NOUN
fsr-3374	156	10	.	.	PUNCT
fsr-3374	157	1	2	2	X
fsr-3374	157	2	.	.	X
fsr-3374	157	3	distribution	distribution	NOUN
fsr-3374	157	4	of	of	ADP
fsr-3374	157	5	financial	financial	ADJ
fsr-3374	157	6	fragility	fragility	NOUN
fsr-3374	157	7	issues	issue	NOUN
fsr-3374	157	8	.	.	PUNCT
fsr-3374	158	1	source	source	NOUN
fsr-3374	158	2	:	:	PUNCT
fsr-3374	158	3	author	author	NOUN
fsr-3374	158	4	’s	’s	PART
fsr-3374	158	5	tabulation	tabulation	NOUN
fsr-3374	158	6	of	of	ADP
fsr-3374	158	7	data	datum	NOUN
fsr-3374	158	8	from	from	ADP
fsr-3374	158	9	the	the	DET
fsr-3374	158	10	2012	2012	NUM
fsr-3374	158	11	finra	finra	PROPN
fsr-3374	158	12	national	national	ADJ
fsr-3374	158	13	financial	financial	ADJ
fsr-3374	158	14	capability	capability	NOUN
fsr-3374	158	15	study	study	NOUN
fsr-3374	158	16	.	.	PUNCT
fsr-3374	159	1	table	table	NOUN
fsr-3374	159	2	3	3	NUM
fsr-3374	159	3	summary	summary	NOUN
fsr-3374	159	4	statistics	statistic	NOUN
fsr-3374	159	5	(	(	PUNCT
fsr-3374	159	6	females	female	NOUN
fsr-3374	159	7	vs.	vs.	ADP
fsr-3374	159	8	males	male	NOUN
fsr-3374	159	9	)	)	PUNCT
fsr-3374	159	10	female	female	ADJ
fsr-3374	159	11	male	male	NOUN
fsr-3374	159	12	mean	mean	NOUN
fsr-3374	159	13	standard	standard	ADJ
fsr-3374	159	14	error	error	NOUN
fsr-3374	159	15	mean	mean	VERB
fsr-3374	159	16	standard	standard	ADJ
fsr-3374	159	17	error	error	NOUN
fsr-3374	159	18	dependent	dependent	ADJ
fsr-3374	159	19	variables	variable	VERB
fsr-3374	159	20	debt	debt	NOUN
fsr-3374	159	21	counseling	counseling	NOUN
fsr-3374	159	22	0.0878	0.0878	NUM
fsr-3374	159	23	0.0028	0.0028	NUM
fsr-3374	159	24	0.0935	0.0935	NUM
fsr-3374	159	25	0.0034	0.0034	NUM
fsr-3374	159	26	savings	saving	NOUN
fsr-3374	159	27	or	or	CCONJ
fsr-3374	159	28	investment	investment	NOUN
fsr-3374	159	29	advice	advice	NOUN
fsr-3374	159	30	0.2718	0.2718	NUM
fsr-3374	160	1	0.0043	0.0043	NUM
fsr-3374	160	2	0.3033	0.3033	NUM
fsr-3374	160	3	0.0051	0.0051	NUM
fsr-3374	160	4	*	*	PUNCT
fsr-3374	160	5	*	*	PUNCT
fsr-3374	160	6	*	*	PUNCT
fsr-3374	160	7	mortgage	mortgage	NOUN
fsr-3374	160	8	or	or	CCONJ
fsr-3374	160	9	loan	loan	NOUN
fsr-3374	160	10	advice	advice	NOUN
fsr-3374	160	11	0.1872	0.1872	NUM
fsr-3374	160	12	0.0037	0.0037	NUM
fsr-3374	160	13	0.2177	0.2177	NUM
fsr-3374	160	14	0.0046	0.0046	NUM
fsr-3374	160	15	*	*	PUNCT
fsr-3374	160	16	*	*	PUNCT
fsr-3374	160	17	*	*	PUNCT
fsr-3374	160	18	insurance	insurance	NOUN
fsr-3374	160	19	advice	advice	NOUN
fsr-3374	160	20	0.3019	0.3019	NUM
fsr-3374	160	21	0.0045	0.0045	NUM
fsr-3374	160	22	0.3037	0.3037	NUM
fsr-3374	160	23	0.0051	0.0051	NUM
fsr-3374	160	24	tax	tax	NOUN
fsr-3374	160	25	planning	planning	NOUN
fsr-3374	160	26	0.1660	0.1660	NUM
fsr-3374	160	27	0.0036	0.0036	NUM
fsr-3374	160	28	0.1973	0.1973	NUM
fsr-3374	160	29	0.0045	0.0045	NUM
fsr-3374	160	30	*	*	PUNCT
fsr-3374	160	31	*	*	PUNCT
fsr-3374	160	32	*	*	PUNCT
fsr-3374	160	33	independent	independent	ADJ
fsr-3374	160	34	variables	variable	NOUN
fsr-3374	160	35	annual	annual	ADJ
fsr-3374	160	36	income	income	NOUN
fsr-3374	160	37	less	less	ADJ
fsr-3374	160	38	than	than	ADP
fsr-3374	160	39	$	$	SYM
fsr-3374	160	40	15,000	15,000	NUM
fsr-3374	160	41	0.1517	0.1517	NUM
fsr-3374	160	42	0.0036	0.0036	NUM
fsr-3374	160	43	0.1329	0.1329	NUM
fsr-3374	160	44	0.0040	0.0040	NUM
fsr-3374	160	45	*	*	PUNCT
fsr-3374	160	46	*	*	PUNCT
fsr-3374	160	47	*	*	PUNCT
fsr-3374	160	48	$	$	SYM
fsr-3374	160	49	15,000	15,000	NUM
fsr-3374	160	50	to	to	PART
fsr-3374	160	51	less	less	ADJ
fsr-3374	160	52	than	than	ADP
fsr-3374	160	53	$	$	SYM
fsr-3374	160	54	25,000	25,000	NUM
fsr-3374	160	55	0.1385	0.1385	NUM
fsr-3374	160	56	0.0035	0.0035	NUM
fsr-3374	160	57	0.1055	0.1055	NUM
fsr-3374	160	58	0.0035	0.0035	NUM
fsr-3374	160	59	*	*	PUNCT
fsr-3374	161	1	*	*	PUNCT
fsr-3374	161	2	*	*	PUNCT
fsr-3374	161	3	$	$	SYM
fsr-3374	161	4	25,000	25,000	NUM
fsr-3374	161	5	to	to	PART
fsr-3374	161	6	less	less	ADJ
fsr-3374	161	7	than	than	ADP
fsr-3374	161	8	$	$	SYM
fsr-3374	161	9	35,000	35,000	NUM
fsr-3374	161	10	0.1267	0.1267	NUM
fsr-3374	161	11	0.0033	0.0033	NUM
fsr-3374	161	12	0.1037	0.1037	NUM
fsr-3374	161	13	0.0035	0.0035	NUM
fsr-3374	161	14	*	*	PUNCT
fsr-3374	162	1	*	*	PUNCT
fsr-3374	162	2	*	*	PUNCT
fsr-3374	162	3	$	$	SYM
fsr-3374	162	4	35,000	35,000	NUM
fsr-3374	162	5	to	to	PART
fsr-3374	163	1	less	less	ADJ
fsr-3374	163	2	than	than	ADP
fsr-3374	163	3	$	$	SYM
fsr-3374	163	4	50,000	50,000	NUM
fsr-3374	163	5	0.1490	0.1490	NUM
fsr-3374	163	6	0.0036	0.0036	NUM
fsr-3374	163	7	0.1449	0.1449	NUM
fsr-3374	163	8	0.0039	0.0039	NUM
fsr-3374	163	9	$	$	SYM
fsr-3374	163	10	50,000	50,000	NUM
fsr-3374	163	11	to	to	PART
fsr-3374	163	12	less	less	ADJ
fsr-3374	163	13	than	than	ADP
fsr-3374	163	14	$	$	SYM
fsr-3374	163	15	75,000	75,000	NUM
fsr-3374	163	16	0.1774	0.1774	NUM
fsr-3374	163	17	0.0037	0.0037	NUM
fsr-3374	163	18	0.1997	0.1997	NUM
fsr-3374	163	19	0.0045	0.0045	NUM
fsr-3374	163	20	*	*	PUNCT
fsr-3374	163	21	*	*	PUNCT
fsr-3374	163	22	*	*	PUNCT
fsr-3374	163	23	$	$	SYM
fsr-3374	163	24	75,000	75,000	NUM
fsr-3374	163	25	to	to	PART
fsr-3374	163	26	less	less	ADJ
fsr-3374	163	27	than	than	ADP
fsr-3374	163	28	$	$	SYM
fsr-3374	163	29	100,000	100,000	NUM
fsr-3374	163	30	0.1031	0.1031	NUM
fsr-3374	163	31	0.0029	0.0029	NUM
fsr-3374	163	32	0.1281	0.1281	NUM
fsr-3374	163	33	0.0037	0.0037	NUM
fsr-3374	163	34	*	*	PUNCT
fsr-3374	163	35	*	*	PUNCT
fsr-3374	163	36	*	*	PUNCT
fsr-3374	163	37	$	$	SYM
fsr-3374	163	38	100,000	100,000	NUM
fsr-3374	163	39	to	to	PART
fsr-3374	163	40	less	less	ADJ
fsr-3374	163	41	than	than	ADP
fsr-3374	163	42	$	$	SYM
fsr-3374	163	43	150,000	150,000	NUM
fsr-3374	163	44	0.0950	0.0950	NUM
fsr-3374	163	45	0.0029	0.0029	NUM
fsr-3374	163	46	0.1209	0.1209	NUM
fsr-3374	163	47	0.0035	0.0035	NUM
fsr-3374	163	48	*	*	PUNCT
fsr-3374	163	49	*	*	PUNCT
fsr-3374	163	50	*	*	PUNCT
fsr-3374	163	51	$	$	SYM
fsr-3374	163	52	150,000	150,000	NUM
fsr-3374	163	53	or	or	CCONJ
fsr-3374	163	54	more	more	ADJ
fsr-3374	163	55	0.0586	0.0586	NUM
fsr-3374	163	56	0.0023	0.0023	NUM
fsr-3374	163	57	0.0642	0.0642	NUM
fsr-3374	163	58	0.0026	0.0026	NUM
fsr-3374	163	59	risk	risk	NOUN
fsr-3374	163	60	-	-	PUNCT
fsr-3374	163	61	tolerance	tolerance	NOUN
fsr-3374	163	62	level	level	NOUN
fsr-3374	163	63	low	low	NOUN
fsr-3374	163	64	0.4286	0.4286	NUM
fsr-3374	163	65	0.0049	0.0049	NUM
fsr-3374	163	66	0.2703	0.2703	NUM
fsr-3374	163	67	0.0049	0.0049	NUM
fsr-3374	163	68	*	*	PUNCT
fsr-3374	163	69	*	*	PUNCT
fsr-3374	163	70	*	*	PUNCT
fsr-3374	163	71	medium	medium	NOUN
fsr-3374	163	72	0.4169	0.4169	NUM
fsr-3374	163	73	0.0049	0.0049	NUM
fsr-3374	163	74	0.4620	0.4620	NUM
fsr-3374	163	75	0.0056	0.0056	NUM
fsr-3374	163	76	*	*	PUNCT
fsr-3374	163	77	*	*	PUNCT
fsr-3374	163	78	*	*	PUNCT
fsr-3374	163	79	high	high	ADJ
fsr-3374	163	80	0.1130	0.1130	NUM
fsr-3374	164	1	0.0032	0.0032	NUM
fsr-3374	164	2	0.2397	0.2397	NUM
fsr-3374	164	3	0.0049	0.0049	NUM
fsr-3374	164	4	*	*	PUNCT
fsr-3374	164	5	*	*	PUNCT
fsr-3374	164	6	*	*	PUNCT
fsr-3374	164	7	perceived	perceive	VERB
fsr-3374	164	8	financial	financial	ADJ
fsr-3374	164	9	knowledge	knowledge	NOUN
fsr-3374	164	10	low	low	PROPN
fsr-3374	164	11	0.1055	0.1055	NUM
fsr-3374	164	12	0.0031	0.0031	NUM
fsr-3374	164	13	0.0768	0.0768	NUM
fsr-3374	164	14	0.0031	0.0031	NUM
fsr-3374	164	15	*	*	PUNCT
fsr-3374	164	16	*	*	PUNCT
fsr-3374	164	17	*	*	PUNCT
fsr-3374	164	18	medium	medium	NOUN
fsr-3374	164	19	0.1647	0.1647	NUM
fsr-3374	164	20	0.0037	0.0037	NUM
fsr-3374	164	21	0.1317	0.1317	NUM
fsr-3374	164	22	0.0039	0.0039	NUM
fsr-3374	164	23	*	*	PUNCT
fsr-3374	164	24	*	*	PUNCT
fsr-3374	164	25	*	*	PUNCT
fsr-3374	164	26	high	high	ADJ
fsr-3374	164	27	0.6930	0.6930	NUM
fsr-3374	164	28	0.0046	0.0046	NUM
fsr-3374	164	29	0.7668	0.7668	NUM
fsr-3374	164	30	0.0049	0.0049	NUM
fsr-3374	164	31	*	*	PUNCT
fsr-3374	164	32	*	*	PUNCT
fsr-3374	164	33	*	*	PUNCT
fsr-3374	164	34	financial	financial	ADJ
fsr-3374	164	35	literacy	literacy	NOUN
fsr-3374	164	36	2.6110	2.6110	NUM
fsr-3374	164	37	0.0141	0.0141	NUM
fsr-3374	164	38	3.1609	3.1609	NUM
fsr-3374	164	39	0.0166	0.0166	NUM
fsr-3374	164	40	*	*	PUNCT
fsr-3374	164	41	*	*	PUNCT
fsr-3374	164	42	*	*	PUNCT
fsr-3374	164	43	financial	financial	ADJ
fsr-3374	164	44	fragility	fragility	NOUN
fsr-3374	164	45	2.5171	2.5171	NUM
fsr-3374	164	46	0.0180	0.0180	NUM
fsr-3374	164	47	2.2391	2.2391	NUM
fsr-3374	164	48	0.0195	0.0195	NUM
fsr-3374	164	49	*	*	PUNCT
fsr-3374	164	50	*	*	PUNCT
fsr-3374	164	51	*	*	PUNCT
fsr-3374	164	52	*	*	PUNCT
fsr-3374	164	53	significance	significance	NOUN
fsr-3374	164	54	at	at	ADP
fsr-3374	164	55	10	10	NUM
fsr-3374	164	56	%	%	NOUN
fsr-3374	164	57	level	level	NOUN
fsr-3374	164	58	;	;	PUNCT
fsr-3374	164	59	*	*	PUNCT
fsr-3374	164	60	*	*	NOUN
fsr-3374	164	61	significance	significance	NOUN
fsr-3374	164	62	at	at	ADP
fsr-3374	164	63	5	5	NUM
fsr-3374	164	64	%	%	NOUN
fsr-3374	164	65	level	level	NOUN
fsr-3374	164	66	;	;	PUNCT
fsr-3374	164	67	*	*	PUNCT
fsr-3374	164	68	*	*	PUNCT
fsr-3374	164	69	*	*	NOUN
fsr-3374	164	70	significance	significance	NOUN
fsr-3374	164	71	at	at	ADP
fsr-3374	164	72	1	1	NUM
fsr-3374	164	73	%	%	NOUN
fsr-3374	164	74	level	level	NOUN
fsr-3374	164	75	.	.	PUNCT
fsr-3374	165	1	414	414	NUM
fsr-3374	165	2	m.h	m.h	PROPN
fsr-3374	165	3	.	.	PROPN
fsr-3374	165	4	alyousif	alyousif	PROPN
fsr-3374	165	5	,	,	PUNCT
fsr-3374	165	6	c.m	c.m	PROPN
fsr-3374	165	7	.	.	PROPN
fsr-3374	165	8	kalenkoski	kalenkoski	PROPN
fsr-3374	165	9	/	/	SYM
fsr-3374	165	10	financial	financial	ADJ
fsr-3374	165	11	services	service	NOUN
fsr-3374	165	12	review	review	VERB
fsr-3374	165	13	26	26	NUM
fsr-3374	165	14	(	(	PUNCT
fsr-3374	165	15	2017	2017	NUM
fsr-3374	165	16	)	)	PUNCT
fsr-3374	166	1	405–432	405–432	NUM
fsr-3374	166	2	correctly	correctly	ADV
fsr-3374	166	3	out	out	ADP
fsr-3374	166	4	of	of	ADP
fsr-3374	166	5	the	the	DET
fsr-3374	166	6	five	five	NUM
fsr-3374	166	7	financial	financial	ADJ
fsr-3374	166	8	literacy	literacy	NOUN
fsr-3374	166	9	questions	question	NOUN
fsr-3374	166	10	in	in	ADP
fsr-3374	166	11	the	the	DET
fsr-3374	166	12	survey	survey	NOUN
fsr-3374	166	13	.	.	PUNCT
fsr-3374	167	1	the	the	DET
fsr-3374	167	2	t	t	PROPN
fsr-3374	167	3	test	test	NOUN
fsr-3374	167	4	results	result	NOUN
fsr-3374	167	5	indicate	indicate	VERB
fsr-3374	167	6	that	that	SCONJ
fsr-3374	167	7	the	the	DET
fsr-3374	167	8	significant	significant	ADJ
fsr-3374	167	9	difference	difference	NOUN
fsr-3374	167	10	between	between	ADP
fsr-3374	167	11	the	the	DET
fsr-3374	167	12	two	two	NUM
fsr-3374	167	13	groups	group	NOUN
fsr-3374	167	14	is	be	AUX
fsr-3374	167	15	related	relate	VERB
fsr-3374	167	16	to	to	ADP
fsr-3374	167	17	seeking	seek	VERB
fsr-3374	167	18	all	all	DET
fsr-3374	167	19	types	type	NOUN
fsr-3374	167	20	of	of	ADP
fsr-3374	167	21	financial	financial	ADJ
fsr-3374	167	22	advice	advice	NOUN
fsr-3374	167	23	.	.	PUNCT
fsr-3374	168	1	7	7	X
fsr-3374	168	2	.	.	NOUN
fsr-3374	168	3	results	result	NOUN
fsr-3374	168	4	table	table	VERB
fsr-3374	168	5	6	6	NUM
fsr-3374	168	6	reports	report	VERB
fsr-3374	168	7	the	the	DET
fsr-3374	168	8	estimation	estimation	NOUN
fsr-3374	168	9	results	result	VERB
fsr-3374	168	10	for	for	ADP
fsr-3374	168	11	five	five	NUM
fsr-3374	168	12	probit	probit	NOUN
fsr-3374	168	13	regression	regression	NOUN
fsr-3374	168	14	models	model	NOUN
fsr-3374	168	15	on	on	ADP
fsr-3374	168	16	the	the	DET
fsr-3374	168	17	entire	entire	ADJ
fsr-3374	168	18	sample	sample	NOUN
fsr-3374	168	19	.	.	PUNCT
fsr-3374	169	1	the	the	DET
fsr-3374	169	2	dependent	dependent	ADJ
fsr-3374	169	3	variables	variable	NOUN
fsr-3374	169	4	are	be	AUX
fsr-3374	169	5	indicators	indicator	NOUN
fsr-3374	169	6	for	for	ADP
fsr-3374	169	7	whether	whether	SCONJ
fsr-3374	169	8	or	or	CCONJ
fsr-3374	169	9	not	not	PART
fsr-3374	169	10	five	five	NUM
fsr-3374	169	11	different	different	ADJ
fsr-3374	169	12	types	type	NOUN
fsr-3374	169	13	of	of	ADP
fsr-3374	169	14	financial	financial	ADJ
fsr-3374	169	15	advice	advice	NOUN
fsr-3374	169	16	were	be	AUX
fsr-3374	169	17	sought	seek	VERB
fsr-3374	169	18	,	,	PUNCT
fsr-3374	169	19	debt	debt	NOUN
fsr-3374	169	20	counseling	counseling	NOUN
fsr-3374	169	21	,	,	PUNCT
fsr-3374	169	22	savings	saving	NOUN
fsr-3374	169	23	/	/	SYM
fsr-3374	169	24	investment	investment	NOUN
fsr-3374	169	25	,	,	PUNCT
fsr-3374	169	26	taking	take	VERB
fsr-3374	169	27	out	out	ADP
fsr-3374	169	28	a	a	DET
fsr-3374	169	29	mortgage/	mortgage/	NUM
fsr-3374	169	30	loan	loan	NOUN
fsr-3374	169	31	,	,	PUNCT
fsr-3374	169	32	insurance	insurance	NOUN
fsr-3374	169	33	of	of	ADP
fsr-3374	169	34	any	any	DET
fsr-3374	169	35	type	type	NOUN
fsr-3374	169	36	,	,	PUNCT
fsr-3374	169	37	and	and	CCONJ
fsr-3374	169	38	tax	tax	NOUN
fsr-3374	169	39	planning	planning	NOUN
fsr-3374	169	40	.	.	PUNCT
fsr-3374	170	1	to	to	PART
fsr-3374	170	2	examine	examine	VERB
fsr-3374	170	3	how	how	SCONJ
fsr-3374	170	4	advice	advice	NOUN
fsr-3374	170	5	seeking	seek	VERB
fsr-3374	170	6	varies	vary	VERB
fsr-3374	170	7	by	by	ADP
fsr-3374	170	8	gender	gender	NOUN
fsr-3374	170	9	,	,	PUNCT
fsr-3374	170	10	age	age	NOUN
fsr-3374	170	11	,	,	PUNCT
fsr-3374	170	12	and	and	CCONJ
fsr-3374	170	13	financial	financial	ADJ
fsr-3374	170	14	illiteracy	illiteracy	NOUN
fsr-3374	170	15	,	,	PUNCT
fsr-3374	170	16	three	three	NUM
fsr-3374	170	17	dummy	dummy	ADJ
fsr-3374	170	18	variables	variable	NOUN
fsr-3374	170	19	representing	represent	VERB
fsr-3374	170	20	those	those	DET
fsr-3374	170	21	subsamples	subsample	NOUN
fsr-3374	170	22	are	be	AUX
fsr-3374	170	23	included	include	VERB
fsr-3374	170	24	in	in	ADP
fsr-3374	170	25	the	the	DET
fsr-3374	170	26	model	model	NOUN
fsr-3374	170	27	.	.	PUNCT
fsr-3374	171	1	the	the	DET
fsr-3374	171	2	results	result	NOUN
fsr-3374	171	3	of	of	ADP
fsr-3374	171	4	the	the	DET
fsr-3374	171	5	probit	probit	NOUN
fsr-3374	171	6	regression	regression	NOUN
fsr-3374	171	7	models	model	NOUN
fsr-3374	171	8	on	on	ADP
fsr-3374	171	9	the	the	DET
fsr-3374	171	10	entire	entire	ADJ
fsr-3374	171	11	sample	sample	NOUN
fsr-3374	171	12	show	show	NOUN
fsr-3374	171	13	consistently	consistently	ADV
fsr-3374	171	14	that	that	SCONJ
fsr-3374	171	15	income	income	NOUN
fsr-3374	171	16	and	and	CCONJ
fsr-3374	171	17	risk	risk	NOUN
fsr-3374	171	18	tolerance	tolerance	NOUN
fsr-3374	171	19	are	be	AUX
fsr-3374	171	20	related	relate	VERB
fsr-3374	171	21	positively	positively	ADV
fsr-3374	171	22	to	to	ADP
fsr-3374	171	23	seeking	seek	VERB
fsr-3374	171	24	all	all	DET
fsr-3374	171	25	types	type	NOUN
fsr-3374	171	26	of	of	ADP
fsr-3374	171	27	financial	financial	ADJ
fsr-3374	171	28	advice	advice	NOUN
fsr-3374	171	29	.	.	PUNCT
fsr-3374	172	1	these	these	DET
fsr-3374	172	2	results	result	NOUN
fsr-3374	172	3	confirm	confirm	VERB
fsr-3374	172	4	that	that	SCONJ
fsr-3374	172	5	the	the	DET
fsr-3374	172	6	existing	exist	VERB
fsr-3374	172	7	findings	finding	NOUN
fsr-3374	172	8	in	in	ADP
fsr-3374	172	9	the	the	DET
fsr-3374	172	10	literature	literature	NOUN
fsr-3374	172	11	extend	extend	VERB
fsr-3374	172	12	to	to	ADP
fsr-3374	172	13	these	these	DET
fsr-3374	172	14	specific	specific	ADJ
fsr-3374	172	15	applications	application	NOUN
fsr-3374	172	16	.	.	PUNCT
fsr-3374	173	1	the	the	DET
fsr-3374	173	2	two	two	NUM
fsr-3374	173	3	constructed	constructed	ADJ
fsr-3374	173	4	variables	variable	NOUN
fsr-3374	173	5	,	,	PUNCT
fsr-3374	173	6	financial	financial	ADJ
fsr-3374	173	7	literacy	literacy	NOUN
fsr-3374	173	8	and	and	CCONJ
fsr-3374	173	9	financial	financial	ADJ
fsr-3374	173	10	fragility	fragility	NOUN
fsr-3374	173	11	,	,	PUNCT
fsr-3374	173	12	have	have	VERB
fsr-3374	173	13	an	an	DET
fsr-3374	173	14	opposite	opposite	ADJ
fsr-3374	173	15	table	table	NOUN
fsr-3374	173	16	4	4	NUM
fsr-3374	173	17	summary	summary	NOUN
fsr-3374	173	18	statistics	statistic	NOUN
fsr-3374	173	19	(	(	PUNCT
fsr-3374	173	20	young	young	ADJ
fsr-3374	173	21	vs.	vs.	CCONJ
fsr-3374	173	22	old	old	ADJ
fsr-3374	173	23	)	)	PUNCT
fsr-3374	173	24	young	young	ADJ
fsr-3374	173	25	(	(	PUNCT
fsr-3374	173	26	18–44	18–44	NUM
fsr-3374	173	27	)	)	PUNCT
fsr-3374	173	28	old	old	ADJ
fsr-3374	173	29	(	(	PUNCT
fsr-3374	173	30	45	45	NUM
fsr-3374	173	31	�	�	NOUN
fsr-3374	173	32	)	)	PUNCT
fsr-3374	173	33	mean	mean	VERB
fsr-3374	173	34	standard	standard	ADJ
fsr-3374	173	35	error	error	NOUN
fsr-3374	173	36	mean	mean	VERB
fsr-3374	173	37	standard	standard	ADJ
fsr-3374	173	38	error	error	NOUN
fsr-3374	173	39	dependent	dependent	ADJ
fsr-3374	173	40	variables	variable	VERB
fsr-3374	173	41	debt	debt	NOUN
fsr-3374	173	42	counseling	counsel	VERB
fsr-3374	173	43	0.1160	0.1160	NUM
fsr-3374	173	44	0.0037	0.0037	NUM
fsr-3374	173	45	0.0681	0.0681	NUM
fsr-3374	173	46	0.0025	0.0025	NUM
fsr-3374	173	47	*	*	PUNCT
fsr-3374	173	48	*	*	PUNCT
fsr-3374	173	49	*	*	VERB
fsr-3374	173	50	savings	saving	NOUN
fsr-3374	173	51	or	or	CCONJ
fsr-3374	173	52	investment	investment	NOUN
fsr-3374	173	53	advice	advice	NOUN
fsr-3374	173	54	0.2610	0.2610	NUM
fsr-3374	173	55	0.0050	0.0050	NUM
fsr-3374	173	56	0.3103	0.3103	NUM
fsr-3374	173	57	0.0045	0.0045	NUM
fsr-3374	173	58	*	*	PUNCT
fsr-3374	173	59	*	*	PUNCT
fsr-3374	173	60	*	*	PUNCT
fsr-3374	173	61	mortgage	mortgage	NOUN
fsr-3374	173	62	or	or	CCONJ
fsr-3374	173	63	loan	loan	NOUN
fsr-3374	173	64	advice	advice	NOUN
fsr-3374	173	65	0.2272	0.2272	NUM
fsr-3374	173	66	0.0047	0.0047	NUM
fsr-3374	173	67	0.1796	0.1796	NUM
fsr-3374	173	68	0.0037	0.0037	NUM
fsr-3374	173	69	*	*	PUNCT
fsr-3374	173	70	*	*	PUNCT
fsr-3374	173	71	*	*	PUNCT
fsr-3374	173	72	insurance	insurance	NOUN
fsr-3374	173	73	advice	advice	NOUN
fsr-3374	173	74	0.3060	0.3060	NUM
fsr-3374	173	75	0.0052	0.0052	NUM
fsr-3374	173	76	0.2999	0.2999	NUM
fsr-3374	173	77	0.0044	0.0044	NUM
fsr-3374	173	78	tax	tax	NOUN
fsr-3374	173	79	planning	planning	NOUN
fsr-3374	173	80	0.1790	0.1790	NUM
fsr-3374	173	81	0.0044	0.0044	NUM
fsr-3374	173	82	0.1831	0.1831	NUM
fsr-3374	173	83	0.0037	0.0037	NUM
fsr-3374	173	84	independent	independent	ADJ
fsr-3374	173	85	variables	variable	NOUN
fsr-3374	173	86	annual	annual	ADJ
fsr-3374	173	87	income	income	NOUN
fsr-3374	173	88	less	less	ADJ
fsr-3374	173	89	than	than	ADP
fsr-3374	173	90	$	$	SYM
fsr-3374	173	91	15,000	15,000	NUM
fsr-3374	173	92	0.1876	0.1876	NUM
fsr-3374	173	93	0.0045	0.0045	NUM
fsr-3374	173	94	0.1027	0.1027	NUM
fsr-3374	174	1	0.0031	0.0031	NUM
fsr-3374	174	2	*	*	PUNCT
fsr-3374	174	3	*	*	PUNCT
fsr-3374	174	4	*	*	PUNCT
fsr-3374	174	5	$	$	SYM
fsr-3374	174	6	15,000	15,000	NUM
fsr-3374	174	7	to	to	PART
fsr-3374	174	8	less	less	ADJ
fsr-3374	174	9	than	than	ADP
fsr-3374	174	10	$	$	SYM
fsr-3374	174	11	25,000	25,000	NUM
fsr-3374	174	12	0.1302	0.1302	NUM
fsr-3374	174	13	0.0039	0.0039	NUM
fsr-3374	174	14	0.1157	0.1157	NUM
fsr-3374	174	15	0.0032	0.0032	NUM
fsr-3374	174	16	*	*	PUNCT
fsr-3374	174	17	*	*	PUNCT
fsr-3374	174	18	*	*	PUNCT
fsr-3374	174	19	$	$	SYM
fsr-3374	174	20	25,000	25,000	NUM
fsr-3374	174	21	to	to	PART
fsr-3374	175	1	less	less	ADJ
fsr-3374	175	2	than	than	ADP
fsr-3374	175	3	$	$	SYM
fsr-3374	175	4	35,000	35,000	NUM
fsr-3374	175	5	0.1201	0.1201	NUM
fsr-3374	175	6	0.0037	0.0037	NUM
fsr-3374	175	7	0.1115	0.1115	NUM
fsr-3374	175	8	0.0031	0.0031	NUM
fsr-3374	175	9	*	*	PUNCT
fsr-3374	175	10	$	$	SYM
fsr-3374	175	11	35,000	35,000	NUM
fsr-3374	175	12	to	to	PART
fsr-3374	175	13	less	less	ADJ
fsr-3374	175	14	than	than	ADP
fsr-3374	175	15	$	$	SYM
fsr-3374	175	16	50,000	50,000	NUM
fsr-3374	175	17	0.1444	0.1444	NUM
fsr-3374	175	18	0.0040	0.0040	NUM
fsr-3374	175	19	0.1493	0.1493	NUM
fsr-3374	175	20	0.0035	0.0035	NUM
fsr-3374	175	21	$	$	SYM
fsr-3374	175	22	50,000	50,000	NUM
fsr-3374	175	23	to	to	PART
fsr-3374	175	24	less	less	ADJ
fsr-3374	175	25	than	than	ADP
fsr-3374	175	26	$	$	SYM
fsr-3374	175	27	75,000	75,000	NUM
fsr-3374	175	28	0.1812	0.1812	NUM
fsr-3374	175	29	0.0044	0.0044	NUM
fsr-3374	175	30	0.1944	0.1944	NUM
fsr-3374	175	31	0.0039	0.0039	NUM
fsr-3374	175	32	*	*	PUNCT
fsr-3374	175	33	*	*	PUNCT
fsr-3374	175	34	$	$	SYM
fsr-3374	175	35	75,000	75,000	NUM
fsr-3374	175	36	to	to	PART
fsr-3374	175	37	less	less	ADJ
fsr-3374	175	38	than	than	ADP
fsr-3374	175	39	$	$	SYM
fsr-3374	175	40	100,000	100,000	NUM
fsr-3374	175	41	0.1100	0.1100	NUM
fsr-3374	175	42	0.0035	0.0035	NUM
fsr-3374	175	43	0.1199	0.1199	NUM
fsr-3374	176	1	0.0031	0.0031	NUM
fsr-3374	176	2	*	*	PUNCT
fsr-3374	176	3	*	*	PUNCT
fsr-3374	176	4	$	$	SYM
fsr-3374	176	5	100,000	100,000	NUM
fsr-3374	176	6	to	to	PART
fsr-3374	176	7	less	less	ADJ
fsr-3374	176	8	than	than	ADP
fsr-3374	176	9	$	$	SYM
fsr-3374	176	10	150,000	150,000	NUM
fsr-3374	176	11	0.0820	0.0820	NUM
fsr-3374	176	12	0.0031	0.0031	NUM
fsr-3374	176	13	0.1303	0.1303	NUM
fsr-3374	176	14	0.0033	0.0033	NUM
fsr-3374	176	15	*	*	PUNCT
fsr-3374	176	16	*	*	PUNCT
fsr-3374	176	17	*	*	PUNCT
fsr-3374	176	18	$	$	SYM
fsr-3374	176	19	150,000	150,000	NUM
fsr-3374	176	20	or	or	CCONJ
fsr-3374	176	21	more	more	ADJ
fsr-3374	176	22	0.0444	0.0444	NUM
fsr-3374	176	23	0.0023	0.0023	NUM
fsr-3374	176	24	0.0763	0.0763	NUM
fsr-3374	176	25	0.0025	0.0025	NUM
fsr-3374	176	26	*	*	PUNCT
fsr-3374	176	27	*	*	PUNCT
fsr-3374	176	28	*	*	NOUN
fsr-3374	176	29	risk	risk	NOUN
fsr-3374	176	30	-	-	PUNCT
fsr-3374	176	31	tolerance	tolerance	NOUN
fsr-3374	176	32	level	level	NOUN
fsr-3374	176	33	low	low	ADJ
fsr-3374	176	34	0.2784	0.2784	NUM
fsr-3374	176	35	0.0050	0.0050	NUM
fsr-3374	176	36	0.4166	0.4166	NUM
fsr-3374	176	37	0.0049	0.0049	NUM
fsr-3374	176	38	*	*	PUNCT
fsr-3374	176	39	*	*	PUNCT
fsr-3374	176	40	*	*	PUNCT
fsr-3374	176	41	medium	medium	NOUN
fsr-3374	176	42	0.4508	0.4508	NUM
fsr-3374	176	43	0.0057	0.0057	NUM
fsr-3374	176	44	0.4283	0.4283	NUM
fsr-3374	176	45	0.0048	0.0048	NUM
fsr-3374	176	46	*	*	PUNCT
fsr-3374	176	47	*	*	PUNCT
fsr-3374	176	48	*	*	PUNCT
fsr-3374	176	49	high	high	ADJ
fsr-3374	176	50	0.2288	0.2288	NUM
fsr-3374	176	51	0.0049	0.0049	NUM
fsr-3374	176	52	0.1266	0.1266	NUM
fsr-3374	176	53	0.0033	0.0033	NUM
fsr-3374	176	54	*	*	PUNCT
fsr-3374	176	55	*	*	PUNCT
fsr-3374	176	56	*	*	PUNCT
fsr-3374	176	57	perceived	perceive	VERB
fsr-3374	176	58	financial	financial	ADJ
fsr-3374	176	59	knowledge	knowledge	NOUN
fsr-3374	176	60	low	low	ADJ
fsr-3374	176	61	0.1091	0.1091	NUM
fsr-3374	176	62	0.0036	0.0036	NUM
fsr-3374	176	63	0.0760	0.0760	NUM
fsr-3374	176	64	0.0027	0.0027	NUM
fsr-3374	176	65	*	*	PUNCT
fsr-3374	176	66	*	*	PUNCT
fsr-3374	176	67	*	*	PUNCT
fsr-3374	176	68	medium	medium	NOUN
fsr-3374	176	69	0.1727	0.1727	NUM
fsr-3374	176	70	0.0043	0.0043	NUM
fsr-3374	176	71	0.1274	0.1274	NUM
fsr-3374	176	72	0.0033	0.0033	NUM
fsr-3374	176	73	*	*	PUNCT
fsr-3374	176	74	*	*	PUNCT
fsr-3374	176	75	*	*	PUNCT
fsr-3374	176	76	high	high	ADJ
fsr-3374	176	77	0.6832	0.6832	NUM
fsr-3374	176	78	0.0053	0.0053	NUM
fsr-3374	176	79	0.7693	0.7693	NUM
fsr-3374	176	80	0.0042	0.0042	NUM
fsr-3374	176	81	*	*	PUNCT
fsr-3374	176	82	*	*	PUNCT
fsr-3374	176	83	*	*	PUNCT
fsr-3374	176	84	financial	financial	ADJ
fsr-3374	176	85	literacy	literacy	NOUN
fsr-3374	176	86	2.5062	2.5062	NUM
fsr-3374	176	87	0.0164	0.0164	NUM
fsr-3374	176	88	3.2074	3.2074	NUM
fsr-3374	176	89	0.0140	0.0140	NUM
fsr-3374	176	90	*	*	PUNCT
fsr-3374	176	91	*	*	PUNCT
fsr-3374	176	92	*	*	PUNCT
fsr-3374	176	93	financial	financial	ADJ
fsr-3374	176	94	fragility	fragility	NOUN
fsr-3374	176	95	2.7394	2.7394	NUM
fsr-3374	176	96	0.0190	0.0190	NUM
fsr-3374	176	97	2.0657	2.0657	NUM
fsr-3374	176	98	0.0180	0.0180	NUM
fsr-3374	176	99	*	*	PUNCT
fsr-3374	176	100	*	*	PUNCT
fsr-3374	176	101	*	*	PUNCT
fsr-3374	176	102	*	*	PUNCT
fsr-3374	176	103	significance	significance	NOUN
fsr-3374	176	104	at	at	ADP
fsr-3374	176	105	10	10	NUM
fsr-3374	176	106	%	%	NOUN
fsr-3374	176	107	level	level	NOUN
fsr-3374	176	108	;	;	PUNCT
fsr-3374	176	109	*	*	PUNCT
fsr-3374	176	110	*	*	NOUN
fsr-3374	176	111	significance	significance	NOUN
fsr-3374	176	112	at	at	ADP
fsr-3374	176	113	5	5	NUM
fsr-3374	176	114	%	%	NOUN
fsr-3374	176	115	level	level	NOUN
fsr-3374	176	116	;	;	PUNCT
fsr-3374	176	117	*	*	PUNCT
fsr-3374	176	118	*	*	PUNCT
fsr-3374	176	119	*	*	NOUN
fsr-3374	176	120	significance	significance	NOUN
fsr-3374	176	121	at	at	ADP
fsr-3374	176	122	1	1	NUM
fsr-3374	176	123	%	%	NOUN
fsr-3374	176	124	level	level	NOUN
fsr-3374	176	125	.	.	PUNCT
fsr-3374	177	1	415m.h	415m.h	NUM
fsr-3374	177	2	.	.	PUNCT
fsr-3374	178	1	alyousif	alyousif	PROPN
fsr-3374	178	2	,	,	PUNCT
fsr-3374	178	3	c.m	c.m	PROPN
fsr-3374	178	4	.	.	PROPN
fsr-3374	178	5	kalenkoski	kalenkoski	PROPN
fsr-3374	178	6	/	/	SYM
fsr-3374	178	7	financial	financial	ADJ
fsr-3374	178	8	services	service	NOUN
fsr-3374	178	9	review	review	VERB
fsr-3374	178	10	26	26	NUM
fsr-3374	178	11	(	(	PUNCT
fsr-3374	178	12	2017	2017	NUM
fsr-3374	178	13	)	)	PUNCT
fsr-3374	179	1	405–432	405–432	NUM
fsr-3374	179	2	effect	effect	NOUN
fsr-3374	179	3	on	on	ADP
fsr-3374	179	4	seeking	seek	VERB
fsr-3374	179	5	financial	financial	ADJ
fsr-3374	179	6	advice	advice	NOUN
fsr-3374	179	7	.	.	PUNCT
fsr-3374	180	1	while	while	SCONJ
fsr-3374	180	2	financial	financial	ADJ
fsr-3374	180	3	literacy	literacy	NOUN
fsr-3374	180	4	is	be	AUX
fsr-3374	180	5	related	relate	VERB
fsr-3374	180	6	positively	positively	ADV
fsr-3374	180	7	to	to	ADP
fsr-3374	180	8	the	the	DET
fsr-3374	180	9	demand	demand	NOUN
fsr-3374	180	10	for	for	ADP
fsr-3374	180	11	all	all	DET
fsr-3374	180	12	types	type	NOUN
fsr-3374	180	13	of	of	ADP
fsr-3374	180	14	financial	financial	ADJ
fsr-3374	180	15	advice	advice	NOUN
fsr-3374	180	16	,	,	PUNCT
fsr-3374	180	17	except	except	SCONJ
fsr-3374	180	18	for	for	ADP
fsr-3374	180	19	debt	debt	NOUN
fsr-3374	180	20	counseling	counseling	NOUN
fsr-3374	180	21	,	,	PUNCT
fsr-3374	180	22	financial	financial	ADJ
fsr-3374	180	23	fragility	fragility	NOUN
fsr-3374	180	24	decreases	decrease	VERB
fsr-3374	180	25	the	the	DET
fsr-3374	180	26	demand	demand	NOUN
fsr-3374	180	27	for	for	ADP
fsr-3374	180	28	advice	advice	NOUN
fsr-3374	180	29	about	about	ADP
fsr-3374	180	30	savings	saving	NOUN
fsr-3374	180	31	/	/	SYM
fsr-3374	180	32	investment	investment	NOUN
fsr-3374	180	33	,	,	PUNCT
fsr-3374	180	34	insurance	insurance	NOUN
fsr-3374	180	35	,	,	PUNCT
fsr-3374	180	36	and	and	CCONJ
fsr-3374	180	37	tax	tax	NOUN
fsr-3374	180	38	planning	planning	NOUN
fsr-3374	180	39	,	,	PUNCT
fsr-3374	180	40	but	but	CCONJ
fsr-3374	180	41	increases	increase	VERB
fsr-3374	180	42	the	the	DET
fsr-3374	180	43	demand	demand	NOUN
fsr-3374	180	44	for	for	ADP
fsr-3374	180	45	debt	debt	NOUN
fsr-3374	180	46	counseling	counseling	NOUN
fsr-3374	180	47	.	.	PUNCT
fsr-3374	181	1	financial	financial	ADJ
fsr-3374	181	2	literacy	literacy	NOUN
fsr-3374	181	3	alerts	alert	VERB
fsr-3374	181	4	people	people	NOUN
fsr-3374	181	5	to	to	ADP
fsr-3374	181	6	the	the	DET
fsr-3374	181	7	value	value	NOUN
fsr-3374	181	8	of	of	ADP
fsr-3374	181	9	financial	financial	ADJ
fsr-3374	181	10	advice	advice	NOUN
fsr-3374	181	11	in	in	ADP
fsr-3374	181	12	improving	improve	VERB
fsr-3374	181	13	their	their	PRON
fsr-3374	181	14	well	well	ADV
fsr-3374	181	15	-	-	PUNCT
fsr-3374	181	16	being	being	NOUN
fsr-3374	181	17	because	because	SCONJ
fsr-3374	181	18	they	they	PRON
fsr-3374	181	19	realize	realize	VERB
fsr-3374	181	20	the	the	DET
fsr-3374	181	21	complexity	complexity	NOUN
fsr-3374	181	22	of	of	ADP
fsr-3374	181	23	financial	financial	ADJ
fsr-3374	181	24	topics	topic	NOUN
fsr-3374	181	25	and	and	CCONJ
fsr-3374	181	26	issues	issue	NOUN
fsr-3374	181	27	.	.	PUNCT
fsr-3374	182	1	however	however	ADV
fsr-3374	182	2	,	,	PUNCT
fsr-3374	182	3	financial	financial	ADJ
fsr-3374	182	4	literacy	literacy	NOUN
fsr-3374	182	5	might	might	AUX
fsr-3374	182	6	be	be	AUX
fsr-3374	182	7	endogenous	endogenous	ADJ
fsr-3374	182	8	to	to	ADP
fsr-3374	182	9	the	the	DET
fsr-3374	182	10	demand	demand	NOUN
fsr-3374	182	11	for	for	ADP
fsr-3374	182	12	advice	advice	NOUN
fsr-3374	182	13	.	.	PUNCT
fsr-3374	183	1	to	to	PART
fsr-3374	183	2	test	test	VERB
fsr-3374	183	3	this	this	DET
fsr-3374	183	4	potential	potential	ADJ
fsr-3374	183	5	endogeneity	endogeneity	NOUN
fsr-3374	183	6	and	and	CCONJ
fsr-3374	183	7	revers	rever	NOUN
fsr-3374	183	8	causality	causality	NOUN
fsr-3374	183	9	,	,	PUNCT
fsr-3374	183	10	the	the	DET
fsr-3374	183	11	article	article	NOUN
fsr-3374	183	12	instruments	instrument	NOUN
fsr-3374	183	13	for	for	ADP
fsr-3374	183	14	financial	financial	ADJ
fsr-3374	183	15	literacy	literacy	NOUN
fsr-3374	183	16	using	use	VERB
fsr-3374	183	17	scores	score	NOUN
fsr-3374	183	18	for	for	ADP
fsr-3374	183	19	the	the	DET
fsr-3374	183	20	quality	quality	NOUN
fsr-3374	183	21	of	of	ADP
fsr-3374	183	22	public	public	ADJ
fsr-3374	183	23	schools	school	NOUN
fsr-3374	183	24	for	for	ADP
fsr-3374	183	25	50	50	NUM
fsr-3374	183	26	states	state	NOUN
fsr-3374	183	27	and	and	CCONJ
fsr-3374	183	28	the	the	DET
fsr-3374	183	29	district	district	NOUN
fsr-3374	183	30	of	of	ADP
fsr-3374	183	31	columbia	columbia	PROPN
fsr-3374	183	32	in	in	ADP
fsr-3374	183	33	2012	2012	NUM
fsr-3374	183	34	.	.	PUNCT
fsr-3374	184	1	the	the	DET
fsr-3374	184	2	results	result	NOUN
fsr-3374	184	3	of	of	ADP
fsr-3374	184	4	a	a	DET
fsr-3374	184	5	wald	wald	NOUN
fsr-3374	184	6	test	test	NOUN
fsr-3374	184	7	of	of	ADP
fsr-3374	184	8	exogeneity	exogeneity	NOUN
fsr-3374	184	9	indicate	indicate	VERB
fsr-3374	184	10	endogeneity	endogeneity	NOUN
fsr-3374	184	11	of	of	ADP
fsr-3374	184	12	financial	financial	ADJ
fsr-3374	184	13	literacy	literacy	NOUN
fsr-3374	184	14	.	.	PUNCT
fsr-3374	185	1	therefore	therefore	ADV
fsr-3374	185	2	,	,	PUNCT
fsr-3374	185	3	it	it	PRON
fsr-3374	185	4	can	can	AUX
fsr-3374	185	5	not	not	PART
fsr-3374	185	6	be	be	AUX
fsr-3374	185	7	concluded	conclude	VERB
fsr-3374	185	8	that	that	SCONJ
fsr-3374	185	9	changes	change	NOUN
fsr-3374	185	10	in	in	ADP
fsr-3374	185	11	financial	financial	ADJ
fsr-3374	185	12	literacy	literacy	NOUN
fsr-3374	185	13	influence	influence	NOUN
fsr-3374	185	14	the	the	DET
fsr-3374	185	15	demand	demand	NOUN
fsr-3374	185	16	for	for	ADP
fsr-3374	185	17	financial	financial	ADJ
fsr-3374	185	18	advice	advice	NOUN
fsr-3374	185	19	.	.	PUNCT
fsr-3374	186	1	on	on	ADP
fsr-3374	186	2	the	the	DET
fsr-3374	186	3	other	other	ADJ
fsr-3374	186	4	hand	hand	NOUN
fsr-3374	186	5	,	,	PUNCT
fsr-3374	186	6	financial	financial	ADJ
fsr-3374	186	7	difficulties	difficulty	NOUN
fsr-3374	186	8	such	such	ADJ
fsr-3374	186	9	as	as	ADP
fsr-3374	186	10	overspending	overspending	NOUN
fsr-3374	186	11	,	,	PUNCT
fsr-3374	186	12	lack	lack	NOUN
fsr-3374	186	13	of	of	ADP
fsr-3374	186	14	an	an	DET
fsr-3374	186	15	emergency	emergency	NOUN
fsr-3374	186	16	fund	fund	NOUN
fsr-3374	186	17	,	,	PUNCT
fsr-3374	186	18	and	and	CCONJ
fsr-3374	186	19	having	have	VERB
fsr-3374	186	20	a	a	DET
fsr-3374	186	21	high	high	ADJ
fsr-3374	186	22	level	level	NOUN
fsr-3374	186	23	of	of	ADP
fsr-3374	186	24	debt	debt	NOUN
fsr-3374	186	25	discourage	discourage	VERB
fsr-3374	186	26	people	people	NOUN
fsr-3374	186	27	from	from	ADP
fsr-3374	186	28	purchasing	purchase	VERB
fsr-3374	186	29	financial	financial	ADJ
fsr-3374	186	30	advice	advice	NOUN
fsr-3374	186	31	.	.	PUNCT
fsr-3374	187	1	in	in	ADP
fsr-3374	187	2	addition	addition	NOUN
fsr-3374	187	3	,	,	PUNCT
fsr-3374	187	4	a	a	DET
fsr-3374	187	5	low	low	ADJ
fsr-3374	187	6	perception	perception	NOUN
fsr-3374	187	7	of	of	ADP
fsr-3374	187	8	financial	financial	ADJ
fsr-3374	187	9	knowledge	knowledge	NOUN
fsr-3374	187	10	,	,	PUNCT
fsr-3374	187	11	which	which	PRON
fsr-3374	187	12	could	could	AUX
fsr-3374	187	13	proxy	proxy	ADJ
fsr-3374	187	14	selfconfidence	selfconfidence	NOUN
fsr-3374	187	15	,	,	PUNCT
fsr-3374	187	16	has	have	AUX
fsr-3374	187	17	been	be	AUX
fsr-3374	187	18	found	find	VERB
fsr-3374	187	19	to	to	PART
fsr-3374	187	20	decrease	decrease	VERB
fsr-3374	187	21	the	the	DET
fsr-3374	187	22	probability	probability	NOUN
fsr-3374	187	23	of	of	ADP
fsr-3374	187	24	seeking	seek	VERB
fsr-3374	187	25	financial	financial	ADJ
fsr-3374	187	26	advice	advice	NOUN
fsr-3374	187	27	.	.	PUNCT
fsr-3374	188	1	the	the	DET
fsr-3374	188	2	correlation	correlation	NOUN
fsr-3374	188	3	between	between	ADP
fsr-3374	188	4	a	a	DET
fsr-3374	188	5	high	high	ADJ
fsr-3374	188	6	perception	perception	NOUN
fsr-3374	188	7	of	of	ADP
fsr-3374	188	8	financial	financial	ADJ
fsr-3374	188	9	knowledge	knowledge	NOUN
fsr-3374	188	10	and	and	CCONJ
fsr-3374	188	11	financial	financial	ADJ
fsr-3374	188	12	literacy	literacy	NOUN
fsr-3374	188	13	is	be	AUX
fsr-3374	188	14	found	find	VERB
fsr-3374	188	15	to	to	PART
fsr-3374	188	16	be	be	AUX
fsr-3374	188	17	0.26	0.26	NUM
fsr-3374	188	18	,	,	PUNCT
fsr-3374	188	19	which	which	PRON
fsr-3374	188	20	reflects	reflect	VERB
fsr-3374	188	21	a	a	DET
fsr-3374	188	22	weak	weak	ADJ
fsr-3374	188	23	positive	positive	ADJ
fsr-3374	188	24	linear	linear	NOUN
fsr-3374	188	25	relation	relation	NOUN
fsr-3374	188	26	between	between	ADP
fsr-3374	188	27	these	these	DET
fsr-3374	188	28	key	key	ADJ
fsr-3374	188	29	variables	variable	NOUN
fsr-3374	188	30	.	.	PUNCT
fsr-3374	189	1	this	this	DET
fsr-3374	189	2	finding	finding	NOUN
fsr-3374	189	3	reveals	reveal	VERB
fsr-3374	189	4	a	a	DET
fsr-3374	189	5	lack	lack	NOUN
fsr-3374	189	6	of	of	ADP
fsr-3374	189	7	consistency	consistency	NOUN
fsr-3374	189	8	between	between	ADP
fsr-3374	189	9	objective	objective	ADJ
fsr-3374	189	10	and	and	CCONJ
fsr-3374	189	11	subjective	subjective	ADJ
fsr-3374	189	12	assessment	assessment	NOUN
fsr-3374	189	13	of	of	ADP
fsr-3374	189	14	financial	financial	ADJ
fsr-3374	189	15	knowledge	knowledge	NOUN
fsr-3374	189	16	.	.	PUNCT
fsr-3374	190	1	table	table	NOUN
fsr-3374	190	2	5	5	NUM
fsr-3374	190	3	summary	summary	NOUN
fsr-3374	190	4	statistics	statistic	NOUN
fsr-3374	190	5	(	(	PUNCT
fsr-3374	190	6	financially	financially	ADV
fsr-3374	190	7	illiterate	illiterate	ADJ
fsr-3374	190	8	vs.	vs.	ADP
fsr-3374	190	9	financially	financially	ADV
fsr-3374	190	10	literate	literate	ADJ
fsr-3374	190	11	)	)	PUNCT
fsr-3374	190	12	financially	financially	ADV
fsr-3374	190	13	illiterate	illiterate	ADJ
fsr-3374	190	14	financially	financially	ADV
fsr-3374	190	15	literate	literate	ADJ
fsr-3374	190	16	mean	mean	NOUN
fsr-3374	190	17	standard	standard	ADJ
fsr-3374	190	18	error	error	NOUN
fsr-3374	190	19	mean	mean	VERB
fsr-3374	190	20	standard	standard	ADJ
fsr-3374	190	21	error	error	NOUN
fsr-3374	190	22	dependent	dependent	ADJ
fsr-3374	190	23	variables	variable	VERB
fsr-3374	190	24	debt	debt	NOUN
fsr-3374	190	25	counseling	counseling	NOUN
fsr-3374	190	26	0.1078	0.1078	NUM
fsr-3374	190	27	0.0041	0.0041	NUM
fsr-3374	190	28	0.0799	0.0799	NUM
fsr-3374	190	29	0.0026	0.0026	NUM
fsr-3374	190	30	*	*	PUNCT
fsr-3374	191	1	*	*	PUNCT
fsr-3374	191	2	*	*	VERB
fsr-3374	191	3	savings	saving	NOUN
fsr-3374	191	4	or	or	CCONJ
fsr-3374	191	5	investment	investment	NOUN
fsr-3374	191	6	advice	advice	NOUN
fsr-3374	191	7	0.2036	0.2036	NUM
fsr-3374	191	8	0.0051	0.0051	NUM
fsr-3374	191	9	0.3387	0.3387	NUM
fsr-3374	191	10	0.0043	0.0043	NUM
fsr-3374	191	11	*	*	PUNCT
fsr-3374	191	12	*	*	PUNCT
fsr-3374	191	13	*	*	PUNCT
fsr-3374	191	14	mortgage	mortgage	NOUN
fsr-3374	191	15	or	or	CCONJ
fsr-3374	191	16	loan	loan	NOUN
fsr-3374	191	17	advice	advice	NOUN
fsr-3374	191	18	0.1523	0.1523	NUM
fsr-3374	191	19	0.0046	0.0046	NUM
fsr-3374	191	20	0.2327	0.2327	NUM
fsr-3374	191	21	0.0039	0.0039	NUM
fsr-3374	191	22	*	*	PUNCT
fsr-3374	191	23	*	*	PUNCT
fsr-3374	191	24	*	*	PUNCT
fsr-3374	191	25	insurance	insurance	NOUN
fsr-3374	191	26	advice	advice	NOUN
fsr-3374	191	27	0.2459	0.2459	NUM
fsr-3374	191	28	0.0054	0.0054	NUM
fsr-3374	191	29	0.3379	0.3379	NUM
fsr-3374	191	30	0.0043	0.0043	NUM
fsr-3374	191	31	*	*	PUNCT
fsr-3374	191	32	*	*	PUNCT
fsr-3374	191	33	*	*	PUNCT
fsr-3374	191	34	tax	tax	NOUN
fsr-3374	191	35	planning	planning	NOUN
fsr-3374	191	36	0.1351	0.1351	NUM
fsr-3374	191	37	0.0044	0.0044	NUM
fsr-3374	191	38	0.2097	0.2097	NUM
fsr-3374	191	39	0.0037	0.0037	NUM
fsr-3374	191	40	*	*	PUNCT
fsr-3374	191	41	*	*	PUNCT
fsr-3374	191	42	*	*	PUNCT
fsr-3374	191	43	independent	independent	ADJ
fsr-3374	191	44	variables	variable	NOUN
fsr-3374	191	45	annual	annual	ADJ
fsr-3374	191	46	income	income	NOUN
fsr-3374	191	47	less	less	ADJ
fsr-3374	191	48	than	than	ADP
fsr-3374	191	49	$	$	SYM
fsr-3374	191	50	15,000	15,000	NUM
fsr-3374	191	51	0.2300	0.2300	NUM
fsr-3374	191	52	0.0052	0.0052	NUM
fsr-3374	191	53	0.0886	0.0886	NUM
fsr-3374	191	54	0.0027	0.0027	NUM
fsr-3374	191	55	*	*	PUNCT
fsr-3374	192	1	*	*	PUNCT
fsr-3374	192	2	*	*	PUNCT
fsr-3374	192	3	$	$	SYM
fsr-3374	192	4	15,000	15,000	NUM
fsr-3374	192	5	to	to	PART
fsr-3374	192	6	less	less	ADJ
fsr-3374	192	7	than	than	ADP
fsr-3374	192	8	$	$	SYM
fsr-3374	192	9	25,000	25,000	NUM
fsr-3374	192	10	0.1748	0.1748	NUM
fsr-3374	192	11	0.0048	0.0048	NUM
fsr-3374	192	12	0.0901	0.0901	NUM
fsr-3374	192	13	0.0027	0.0027	NUM
fsr-3374	192	14	*	*	PUNCT
fsr-3374	193	1	*	*	PUNCT
fsr-3374	193	2	*	*	PUNCT
fsr-3374	193	3	$	$	SYM
fsr-3374	193	4	25,000	25,000	NUM
fsr-3374	193	5	to	to	PART
fsr-3374	193	6	less	less	ADJ
fsr-3374	193	7	than	than	ADP
fsr-3374	193	8	$	$	SYM
fsr-3374	193	9	35,000	35,000	NUM
fsr-3374	193	10	0.1436	0.1436	NUM
fsr-3374	193	11	0.0044	0.0044	NUM
fsr-3374	193	12	0.0982	0.0982	NUM
fsr-3374	193	13	0.0028	0.0028	NUM
fsr-3374	193	14	*	*	PUNCT
fsr-3374	193	15	*	*	PUNCT
fsr-3374	193	16	*	*	PUNCT
fsr-3374	193	17	$	$	SYM
fsr-3374	193	18	35,000	35,000	NUM
fsr-3374	193	19	to	to	PART
fsr-3374	193	20	less	less	ADJ
fsr-3374	193	21	than	than	ADP
fsr-3374	193	22	$	$	SYM
fsr-3374	193	23	50,000	50,000	NUM
fsr-3374	193	24	0.1450	0.1450	NUM
fsr-3374	194	1	0.0044	0.0044	NUM
fsr-3374	194	2	0.1482	0.1482	NUM
fsr-3374	194	3	0.0033	0.0033	NUM
fsr-3374	194	4	$	$	SYM
fsr-3374	194	5	50,000	50,000	NUM
fsr-3374	194	6	to	to	PART
fsr-3374	194	7	less	less	ADJ
fsr-3374	194	8	than	than	ADP
fsr-3374	194	9	$	$	SYM
fsr-3374	194	10	75,000	75,000	NUM
fsr-3374	194	11	0.1500	0.1500	NUM
fsr-3374	194	12	0.0045	0.0045	NUM
fsr-3374	194	13	0.2118	0.2118	NUM
fsr-3374	194	14	0.0038	0.0038	NUM
fsr-3374	194	15	*	*	PUNCT
fsr-3374	195	1	*	*	PUNCT
fsr-3374	195	2	*	*	PUNCT
fsr-3374	195	3	$	$	SYM
fsr-3374	195	4	75,000	75,000	NUM
fsr-3374	195	5	to	to	PART
fsr-3374	195	6	less	less	ADJ
fsr-3374	195	7	than	than	ADP
fsr-3374	195	8	$	$	SYM
fsr-3374	195	9	100,000	100,000	NUM
fsr-3374	195	10	0.0723	0.0723	NUM
fsr-3374	195	11	0.0032	0.0032	NUM
fsr-3374	195	12	0.1418	0.1418	NUM
fsr-3374	195	13	0.0032	0.0032	NUM
fsr-3374	195	14	*	*	PUNCT
fsr-3374	195	15	*	*	PUNCT
fsr-3374	195	16	*	*	PUNCT
fsr-3374	195	17	$	$	SYM
fsr-3374	195	18	100,000	100,000	NUM
fsr-3374	195	19	to	to	PART
fsr-3374	195	20	less	less	ADJ
fsr-3374	195	21	than	than	ADP
fsr-3374	195	22	$	$	SYM
fsr-3374	195	23	150,000	150,000	NUM
fsr-3374	195	24	0.0545	0.0545	NUM
fsr-3374	195	25	0.0029	0.0029	NUM
fsr-3374	195	26	0.1405	0.1405	NUM
fsr-3374	196	1	0.0032	0.0032	NUM
fsr-3374	196	2	*	*	PUNCT
fsr-3374	197	1	*	*	PUNCT
fsr-3374	197	2	*	*	PUNCT
fsr-3374	197	3	$	$	SYM
fsr-3374	197	4	150,000	150,000	NUM
fsr-3374	197	5	or	or	CCONJ
fsr-3374	197	6	more	more	ADJ
fsr-3374	197	7	0.0298	0.0298	NUM
fsr-3374	198	1	0.0022	0.0022	NUM
fsr-3374	198	2	0.0808	0.0808	NUM
fsr-3374	198	3	0.0024	0.0024	NUM
fsr-3374	198	4	*	*	PUNCT
fsr-3374	198	5	*	*	PUNCT
fsr-3374	198	6	*	*	NOUN
fsr-3374	198	7	risk	risk	NOUN
fsr-3374	198	8	-	-	PUNCT
fsr-3374	198	9	tolerance	tolerance	NOUN
fsr-3374	198	10	level	level	NOUN
fsr-3374	198	11	low	low	ADJ
fsr-3374	198	12	0.3931	0.3931	NUM
fsr-3374	198	13	0.0061	0.0061	NUM
fsr-3374	198	14	0.3261	0.3261	NUM
fsr-3374	198	15	0.0043	0.0043	NUM
fsr-3374	198	16	*	*	PUNCT
fsr-3374	198	17	*	*	PUNCT
fsr-3374	198	18	*	*	PUNCT
fsr-3374	198	19	medium	medium	ADJ
fsr-3374	198	20	0.3700	0.3700	NUM
fsr-3374	198	21	0.0060	0.0060	NUM
fsr-3374	198	22	0.4814	0.4814	NUM
fsr-3374	198	23	0.0046	0.0046	NUM
fsr-3374	198	24	*	*	PUNCT
fsr-3374	198	25	*	*	PUNCT
fsr-3374	198	26	*	*	PUNCT
fsr-3374	198	27	high	high	ADJ
fsr-3374	198	28	0.1741	0.1741	NUM
fsr-3374	198	29	0.0049	0.0049	NUM
fsr-3374	198	30	0.1749	0.1749	NUM
fsr-3374	198	31	0.0036	0.0036	NUM
fsr-3374	198	32	perceived	perceive	VERB
fsr-3374	198	33	financial	financial	ADJ
fsr-3374	198	34	knowledge	knowledge	NOUN
fsr-3374	198	35	low	low	ADJ
fsr-3374	198	36	0.1419	0.1419	NUM
fsr-3374	198	37	0.0044	0.0044	NUM
fsr-3374	198	38	0.0604	0.0604	NUM
fsr-3374	198	39	0.0023	0.0023	NUM
fsr-3374	198	40	*	*	PUNCT
fsr-3374	198	41	*	*	PUNCT
fsr-3374	198	42	*	*	PUNCT
fsr-3374	198	43	medium	medium	ADJ
fsr-3374	198	44	0.1827	0.1827	NUM
fsr-3374	198	45	0.0048	0.0048	NUM
fsr-3374	198	46	0.1276	0.1276	NUM
fsr-3374	198	47	0.0031	0.0031	NUM
fsr-3374	198	48	*	*	PUNCT
fsr-3374	198	49	*	*	PUNCT
fsr-3374	198	50	*	*	PUNCT
fsr-3374	198	51	high	high	ADJ
fsr-3374	198	52	0.6118	0.6118	NUM
fsr-3374	198	53	0.0061	0.0061	NUM
fsr-3374	198	54	0.8012	0.8012	NUM
fsr-3374	198	55	0.0037	0.0037	NUM
fsr-3374	198	56	*	*	PUNCT
fsr-3374	198	57	*	*	PUNCT
fsr-3374	198	58	*	*	PUNCT
fsr-3374	198	59	financial	financial	ADJ
fsr-3374	198	60	fragility	fragility	NOUN
fsr-3374	198	61	2.8809	2.8809	NUM
fsr-3374	198	62	0.0209	0.0209	NUM
fsr-3374	198	63	2.0738	2.0738	NUM
fsr-3374	198	64	0.0166	0.0166	NUM
fsr-3374	198	65	*	*	PUNCT
fsr-3374	198	66	*	*	PUNCT
fsr-3374	198	67	*	*	PUNCT
fsr-3374	198	68	*	*	PUNCT
fsr-3374	198	69	significance	significance	NOUN
fsr-3374	198	70	at	at	ADP
fsr-3374	198	71	10	10	NUM
fsr-3374	198	72	%	%	NOUN
fsr-3374	198	73	level	level	NOUN
fsr-3374	198	74	;	;	PUNCT
fsr-3374	198	75	*	*	PUNCT
fsr-3374	198	76	*	*	NOUN
fsr-3374	198	77	significance	significance	NOUN
fsr-3374	198	78	at	at	ADP
fsr-3374	198	79	5	5	NUM
fsr-3374	198	80	%	%	NOUN
fsr-3374	198	81	level	level	NOUN
fsr-3374	198	82	;	;	PUNCT
fsr-3374	198	83	*	*	PUNCT
fsr-3374	198	84	*	*	PUNCT
fsr-3374	198	85	*	*	NOUN
fsr-3374	198	86	significance	significance	NOUN
fsr-3374	198	87	at	at	ADP
fsr-3374	198	88	1	1	NUM
fsr-3374	198	89	%	%	NOUN
fsr-3374	198	90	level	level	NOUN
fsr-3374	198	91	.	.	PUNCT
fsr-3374	199	1	416	416	NUM
fsr-3374	199	2	m.h	m.h	PROPN
fsr-3374	199	3	.	.	PROPN
fsr-3374	199	4	alyousif	alyousif	PROPN
fsr-3374	199	5	,	,	PUNCT
fsr-3374	199	6	c.m	c.m	PROPN
fsr-3374	199	7	.	.	PROPN
fsr-3374	199	8	kalenkoski	kalenkoski	PROPN
fsr-3374	199	9	/	/	SYM
fsr-3374	199	10	financial	financial	ADJ
fsr-3374	199	11	services	service	NOUN
fsr-3374	199	12	review	review	VERB
fsr-3374	199	13	26	26	NUM
fsr-3374	199	14	(	(	PUNCT
fsr-3374	199	15	2017	2017	NUM
fsr-3374	199	16	)	)	PUNCT
fsr-3374	200	1	405–432	405–432	NUM
fsr-3374	200	2	t	t	PROPN
fsr-3374	200	3	ab	ab	X
fsr-3374	200	4	le	le	ADP
fsr-3374	200	5	6	6	NUM
fsr-3374	200	6	fi	fi	NOUN
fsr-3374	200	7	na	na	PROPN
fsr-3374	200	8	nc	nc	PROPN
fsr-3374	200	9	ia	ia	PROPN
fsr-3374	200	10	l	l	PROPN
fsr-3374	200	11	ad	ad	PROPN
fsr-3374	200	12	vi	vi	PROPN
fsr-3374	200	13	ce	ce	X
fsr-3374	200	14	pr	pr	NOUN
fsr-3374	201	1	ob	ob	INTJ
fsr-3374	201	2	it	it	PRON
fsr-3374	201	3	d	d	PROPN
fsr-3374	201	4	eb	eb	PROPN
fsr-3374	201	5	t	t	PROPN
fsr-3374	201	6	co	co	PROPN
fsr-3374	201	7	un	un	PROPN
fsr-3374	201	8	se	se	PROPN
fsr-3374	201	9	lin	lin	PROPN
fsr-3374	201	10	g	g	PROPN
fsr-3374	201	11	sa	sa	PROPN
fsr-3374	201	12	vi	vi	PROPN
fsr-3374	201	13	ng	ng	PROPN
fsr-3374	201	14	s/	s/	VERB
fsr-3374	201	15	in	in	ADP
fsr-3374	201	16	ve	ve	PROPN
fsr-3374	201	17	st	st	PROPN
fsr-3374	201	18	m	m	PROPN
fsr-3374	201	19	en	en	PROPN
fsr-3374	201	20	t	t	PROPN
fsr-3374	201	21	m	m	PROPN
fsr-3374	201	22	or	or	CCONJ
fsr-3374	201	23	tg	tg	PROPN
fsr-3374	201	24	ag	ag	PROPN
fsr-3374	202	1	e/	e/	INTJ
fsr-3374	202	2	lo	lo	PROPN
fsr-3374	203	1	an	an	PRON
fsr-3374	203	2	in	in	ADP
fsr-3374	203	3	su	su	PROPN
fsr-3374	203	4	ra	ra	PROPN
fsr-3374	203	5	nc	nc	PROPN
fsr-3374	203	6	e	e	PROPN
fsr-3374	203	7	t	t	PROPN
fsr-3374	203	8	ax	ax	NOUN
fsr-3374	203	9	pl	pl	X
fsr-3374	203	10	an	an	DET
fsr-3374	203	11	ni	ni	PROPN
fsr-3374	203	12	ng	ng	PROPN
fsr-3374	203	13	m	m	PROPN
fsr-3374	203	14	ar	ar	PROPN
fsr-3374	203	15	g.	g.	PROPN
fsr-3374	203	16	ef	ef	PROPN
fsr-3374	203	17	fe	fe	PROPN
fsr-3374	203	18	ct	ct	NUM
fsr-3374	203	19	s	s	PROPN
fsr-3374	203	20	(	(	PUNCT
fsr-3374	203	21	s	s	NOUN
fsr-3374	203	22	e	e	NOUN
fsr-3374	203	23	)	)	PUNCT
fsr-3374	204	1	m	m	PROPN
fsr-3374	204	2	ar	ar	PROPN
fsr-3374	204	3	g.	g.	PROPN
fsr-3374	204	4	ef	ef	PROPN
fsr-3374	204	5	fe	fe	PROPN
fsr-3374	205	1	ct	ct	NUM
fsr-3374	205	2	s	s	PROPN
fsr-3374	205	3	(	(	PUNCT
fsr-3374	205	4	s	s	NOUN
fsr-3374	205	5	e	e	NOUN
fsr-3374	205	6	)	)	PUNCT
fsr-3374	205	7	m	m	PROPN
fsr-3374	205	8	ar	ar	PROPN
fsr-3374	205	9	g.	g.	PROPN
fsr-3374	205	10	ef	ef	PROPN
fsr-3374	205	11	fe	fe	PROPN
fsr-3374	205	12	ct	ct	NUM
fsr-3374	205	13	s	s	PROPN
fsr-3374	205	14	(	(	PUNCT
fsr-3374	205	15	s	s	NOUN
fsr-3374	205	16	e	e	NOUN
fsr-3374	205	17	)	)	PUNCT
fsr-3374	205	18	m	m	PROPN
fsr-3374	205	19	ar	ar	PROPN
fsr-3374	205	20	g.	g.	PROPN
fsr-3374	205	21	ef	ef	PROPN
fsr-3374	205	22	fe	fe	PROPN
fsr-3374	205	23	ct	ct	NUM
fsr-3374	205	24	s	s	PROPN
fsr-3374	205	25	(	(	PUNCT
fsr-3374	205	26	s	s	NOUN
fsr-3374	205	27	e	e	NOUN
fsr-3374	205	28	)	)	PUNCT
fsr-3374	205	29	m	m	PROPN
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fsr-3374	501	3	.	.	NOUN
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fsr-3374	501	7	.	.	PUNCT
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fsr-3374	502	3	*	*	PUNCT
fsr-3374	503	1	*	*	PUNCT
fsr-3374	503	2	*	*	PUNCT
fsr-3374	504	1	0	0	X
fsr-3374	504	2	.	.	NOUN
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fsr-3374	505	4	.	.	PUNCT
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fsr-3374	507	1	*	*	PUNCT
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fsr-3374	507	7	,	,	PUNCT
fsr-3374	507	8	0	0	NUM
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fsr-3374	507	13	th	th	X
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fsr-3374	507	22	.	.	NUM
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fsr-3374	508	3	.	.	PUNCT
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fsr-3374	509	3	*	*	PUNCT
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fsr-3374	510	3	.	.	NOUN
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fsr-3374	511	3	.	.	PUNCT
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fsr-3374	513	1	*	*	PUNCT
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fsr-3374	514	1	*	*	PUNCT
fsr-3374	514	2	0	0	NUM
fsr-3374	514	3	.	.	NOUN
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fsr-3374	515	3	.	.	PUNCT
fsr-3374	516	1	01	01	NUM
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fsr-3374	517	1	*	*	PUNCT
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fsr-3374	518	1	*	*	PUNCT
fsr-3374	518	2	0	0	NUM
fsr-3374	518	3	.	.	NOUN
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fsr-3374	518	7	.	.	PUNCT
fsr-3374	519	1	01	01	NUM
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fsr-3374	520	1	*	*	PUNCT
fsr-3374	520	2	*	*	PUNCT
fsr-3374	521	1	*	*	PUNCT
fsr-3374	521	2	0	0	NUM
fsr-3374	521	3	.	.	X
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fsr-3374	521	7	.	.	PUNCT
fsr-3374	522	1	01	01	NUM
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fsr-3374	523	1	*	*	PUNCT
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fsr-3374	523	7	,	,	PUNCT
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fsr-3374	523	13	e	e	NOUN
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fsr-3374	523	15	.	.	PUNCT
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fsr-3374	525	2	0	0	NUM
fsr-3374	525	3	.	.	PUNCT
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fsr-3374	527	1	*	*	PUNCT
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fsr-3374	528	1	*	*	PUNCT
fsr-3374	528	2	0	0	X
fsr-3374	528	3	.	.	NUM
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fsr-3374	529	3	.	.	PUNCT
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fsr-3374	531	1	*	*	PUNCT
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fsr-3374	532	1	*	*	PUNCT
fsr-3374	532	2	0	0	NUM
fsr-3374	532	3	.	.	X
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fsr-3374	533	4	.	.	PUNCT
fsr-3374	534	1	01	01	NUM
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fsr-3374	534	3	*	*	PUNCT
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fsr-3374	535	1	*	*	PUNCT
fsr-3374	535	2	0	0	NUM
fsr-3374	535	3	.	.	NOUN
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fsr-3374	535	7	.	.	PUNCT
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fsr-3374	536	3	*	*	PUNCT
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fsr-3374	537	1	*	*	PUNCT
fsr-3374	537	2	0	0	X
fsr-3374	537	3	.	.	NUM
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fsr-3374	537	7	.	.	PUNCT
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fsr-3374	540	1	*	*	PUNCT
fsr-3374	540	2	*	*	PUNCT
fsr-3374	540	3	*	*	PUNCT
fsr-3374	540	4	(	(	PUNCT
fsr-3374	540	5	c	c	NOUN
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fsr-3374	540	10	on	on	ADP
fsr-3374	540	11	ne	ne	PROPN
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fsr-3374	540	15	)	)	PUNCT
fsr-3374	540	16	417m.h	417m.h	PROPN
fsr-3374	540	17	.	.	PUNCT
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fsr-3374	541	2	,	,	PUNCT
fsr-3374	541	3	c.m	c.m	PROPN
fsr-3374	541	4	.	.	PROPN
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fsr-3374	541	11	(	(	PUNCT
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fsr-3374	541	13	)	)	PUNCT
fsr-3374	542	1	405–432	405–432	NUM
fsr-3374	542	2	t	t	PROPN
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fsr-3374	542	6	(	(	PUNCT
fsr-3374	542	7	c	c	NOUN
fsr-3374	542	8	on	on	ADP
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fsr-3374	543	12	s/	s/	VERB
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fsr-3374	544	1	e/	e/	INTJ
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fsr-3374	545	8	ax	ax	NOUN
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fsr-3374	545	10	an	an	DET
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fsr-3374	545	15	g.	g.	PROPN
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fsr-3374	545	19	s	s	PROPN
fsr-3374	545	20	(	(	PUNCT
fsr-3374	545	21	s	s	NOUN
fsr-3374	545	22	e	e	NOUN
fsr-3374	545	23	)	)	PUNCT
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fsr-3374	547	2	s	s	PROPN
fsr-3374	547	3	(	(	PUNCT
fsr-3374	547	4	s	s	NOUN
fsr-3374	547	5	e	e	NOUN
fsr-3374	547	6	)	)	PUNCT
fsr-3374	547	7	m	m	PROPN
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fsr-3374	547	13	s	s	PROPN
fsr-3374	547	14	(	(	PUNCT
fsr-3374	547	15	s	s	NOUN
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fsr-3374	547	17	)	)	PUNCT
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fsr-3374	547	25	(	(	PUNCT
fsr-3374	547	26	s	s	NOUN
fsr-3374	547	27	e	e	NOUN
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fsr-3374	547	36	(	(	PUNCT
fsr-3374	547	37	s	s	NOUN
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fsr-3374	547	39	)	)	PUNCT
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fsr-3374	547	46	e	e	PROPN
fsr-3374	547	47	le	le	X
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fsr-3374	547	50	(	(	PUNCT
fsr-3374	547	51	l	l	NOUN
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fsr-3374	547	53	)	)	PUNCT
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fsr-3374	547	59	.	.	PUNCT
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fsr-3374	548	3	.	.	PUNCT
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fsr-3374	549	2	*	*	NUM
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fsr-3374	549	4	.	.	NOUN
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fsr-3374	549	7	0	0	NUM
fsr-3374	549	8	.	.	PUNCT
fsr-3374	549	9	00	00	NUM
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fsr-3374	551	1	*	*	PUNCT
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fsr-3374	552	1	*	*	PUNCT
fsr-3374	552	2	0	0	NUM
fsr-3374	552	3	.	.	NOUN
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fsr-3374	553	3	.	.	PUNCT
fsr-3374	553	4	00	00	NUM
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fsr-3374	555	1	*	*	PUNCT
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fsr-3374	556	1	*	*	PUNCT
fsr-3374	556	2	0	0	NUM
fsr-3374	556	3	.	.	X
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fsr-3374	557	3	.	.	PUNCT
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fsr-3374	559	1	*	*	PUNCT
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fsr-3374	560	1	*	*	PUNCT
fsr-3374	560	2	0	0	X
fsr-3374	560	3	.	.	NUM
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fsr-3374	561	3	.	.	PUNCT
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fsr-3374	563	1	*	*	PUNCT
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fsr-3374	563	4	h	h	PRON
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fsr-3374	563	6	h	h	NOUN
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fsr-3374	563	8	.	.	PUNCT
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fsr-3374	564	3	.	.	PUNCT
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fsr-3374	566	1	*	*	PUNCT
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fsr-3374	567	1	*	*	PUNCT
fsr-3374	567	2	0	0	X
fsr-3374	567	3	.	.	PUNCT
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fsr-3374	568	4	.	.	PUNCT
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fsr-3374	570	1	*	*	PUNCT
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fsr-3374	571	1	*	*	PUNCT
fsr-3374	571	2	0	0	NUM
fsr-3374	571	3	.	.	NUM
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fsr-3374	572	3	.	.	PUNCT
fsr-3374	572	4	00	00	NUM
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fsr-3374	574	1	*	*	PUNCT
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fsr-3374	575	1	*	*	PUNCT
fsr-3374	575	2	0	0	NUM
fsr-3374	575	3	.	.	NOUN
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fsr-3374	575	7	.	.	PUNCT
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fsr-3374	576	3	*	*	PUNCT
fsr-3374	577	1	*	*	PUNCT
fsr-3374	577	2	*	*	PUNCT
fsr-3374	578	1	0	0	NUM
fsr-3374	578	2	.	.	X
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fsr-3374	578	5	0	0	NUM
fsr-3374	578	6	.	.	PUNCT
fsr-3374	578	7	00	00	NUM
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fsr-3374	580	1	*	*	PUNCT
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fsr-3374	582	6	h	h	NOUN
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fsr-3374	582	14	.	.	PUNCT
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fsr-3374	582	18	.	.	PUNCT
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fsr-3374	710	4	.	.	PUNCT
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fsr-3374	710	38	.	.	PUNCT
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fsr-3374	710	48	.	.	PUNCT
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fsr-3374	710	52	.	.	PUNCT
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fsr-3374	710	56	.	.	PUNCT
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fsr-3374	710	65	.	.	PUNCT
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fsr-3374	710	70	.	.	PROPN
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fsr-3374	710	74	.	.	PUNCT
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fsr-3374	710	87	.	.	PUNCT
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fsr-3374	710	92	.	.	PROPN
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fsr-3374	710	96	.	.	NUM
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fsr-3374	710	101	.	.	PUNCT
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fsr-3374	710	105	.	.	PUNCT
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fsr-3374	711	5	.	.	NOUN
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fsr-3374	711	9	.	.	PUNCT
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fsr-3374	712	3	.	.	PUNCT
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fsr-3374	713	4	.	.	PUNCT
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fsr-3374	714	7	*	*	PROPN
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fsr-3374	714	22	.	.	PUNCT
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fsr-3374	714	26	.	.	PUNCT
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fsr-3374	714	30	.	.	PUNCT
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fsr-3374	714	34	.	.	PUNCT
fsr-3374	714	35	06	06	NUM
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fsr-3374	715	3	.	.	PUNCT
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fsr-3374	717	3	.	.	PUNCT
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fsr-3374	718	4	.	.	NOUN
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fsr-3374	719	4	.	.	PUNCT
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fsr-3374	720	3	.	.	NUM
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fsr-3374	721	3	.	.	PUNCT
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fsr-3374	723	4	.	.	PUNCT
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fsr-3374	723	8	.	.	PUNCT
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fsr-3374	723	13	.	.	PUNCT
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fsr-3374	723	17	.	.	PUNCT
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fsr-3374	724	2	0	0	NUM
fsr-3374	724	3	.	.	NUM
fsr-3374	724	4	08	08	NUM
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fsr-3374	725	3	.	.	PUNCT
fsr-3374	726	1	07	07	NUM
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fsr-3374	726	4	.	.	PUNCT
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fsr-3374	727	4	.	.	PUNCT
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fsr-3374	728	3	.	.	PUNCT
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fsr-3374	729	4	.	.	PUNCT
fsr-3374	730	1	07	07	NUM
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fsr-3374	730	5	.	.	PUNCT
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fsr-3374	730	9	.	.	PUNCT
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fsr-3374	731	2	*	*	PUNCT
fsr-3374	731	3	*	*	PUNCT
fsr-3374	731	4	�	�	PROPN
fsr-3374	731	5	0	0	NUM
fsr-3374	731	6	.	.	PROPN
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fsr-3374	731	10	.	.	PUNCT
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fsr-3374	731	14	.	.	PUNCT
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fsr-3374	731	18	.	.	PUNCT
fsr-3374	732	1	07	07	NUM
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fsr-3374	732	3	*	*	PUNCT
fsr-3374	732	4	�	�	PROPN
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fsr-3374	732	6	.	.	PROPN
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fsr-3374	732	9	0	0	NUM
fsr-3374	732	10	.	.	PUNCT
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fsr-3374	733	3	0	0	NUM
fsr-3374	733	4	.	.	PUNCT
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fsr-3374	734	4	.	.	PUNCT
fsr-3374	735	1	07	07	NUM
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fsr-3374	735	5	.	.	PUNCT
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fsr-3374	736	4	.	.	PUNCT
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fsr-3374	736	7	*	*	PUNCT
fsr-3374	736	8	*	*	PUNCT
fsr-3374	736	9	*	*	PUNCT
fsr-3374	736	10	�	�	PROPN
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fsr-3374	736	12	.	.	NOUN
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fsr-3374	737	3	.	.	PUNCT
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fsr-3374	738	4	.	.	PROPN
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fsr-3374	738	8	.	.	PUNCT
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fsr-3374	739	2	*	*	PUNCT
fsr-3374	739	3	*	*	NOUN
fsr-3374	739	4	0	0	NUM
fsr-3374	739	5	.	.	NOUN
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fsr-3374	740	4	.	.	PUNCT
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fsr-3374	741	3	0	0	NUM
fsr-3374	741	4	.	.	PUNCT
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fsr-3374	742	4	.	.	PUNCT
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fsr-3374	744	1	*	*	PUNCT
fsr-3374	744	2	(	(	PUNCT
fsr-3374	744	3	c	c	NOUN
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fsr-3374	744	20	.	.	PROPN
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fsr-3374	744	27	(	(	PUNCT
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fsr-3374	744	29	)	)	PUNCT
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fsr-3374	745	2	t	t	PROPN
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fsr-3374	745	6	(	(	PUNCT
fsr-3374	745	7	c	c	NOUN
fsr-3374	745	8	on	on	ADP
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fsr-3374	746	1	d	d	PROPN
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fsr-3374	746	12	s/	s/	VERB
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fsr-3374	748	20	(	(	PUNCT
fsr-3374	748	21	s	s	NOUN
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fsr-3374	750	4	s	s	NOUN
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fsr-3374	750	15	s	s	NOUN
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fsr-3374	750	25	(	(	PUNCT
fsr-3374	750	26	s	s	NOUN
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fsr-3374	789	37	.	.	X
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fsr-3374	789	42	.	.	PUNCT
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fsr-3374	790	4	.	.	PUNCT
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fsr-3374	791	3	*	*	PUNCT
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fsr-3374	791	5	*	*	PUNCT
fsr-3374	791	6	�	�	PROPN
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fsr-3374	791	8	.	.	PUNCT
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fsr-3374	792	4	.	.	PUNCT
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fsr-3374	793	4	.	.	NUM
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fsr-3374	794	3	.	.	PUNCT
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fsr-3374	794	8	.	.	PROPN
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fsr-3374	795	3	*	*	PUNCT
fsr-3374	795	4	$	$	SYM
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fsr-3374	795	7	,	,	PUNCT
fsr-3374	795	8	0	0	NUM
fsr-3374	795	9	00	00	NUM
fsr-3374	795	10	or	or	CCONJ
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fsr-3374	795	13	e	e	ADP
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fsr-3374	795	20	.	.	PUNCT
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fsr-3374	797	5	.	.	PROPN
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fsr-3374	797	9	.	.	PUNCT
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fsr-3374	798	6	.	.	PUNCT
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fsr-3374	798	10	.	.	PUNCT
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fsr-3374	799	3	*	*	PUNCT
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fsr-3374	799	6	.	.	PUNCT
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fsr-3374	799	10	.	.	PUNCT
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fsr-3374	799	15	.	.	PUNCT
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fsr-3374	799	19	.	.	PUNCT
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fsr-3374	801	1	*	*	PUNCT
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fsr-3374	801	3	*	*	PUNCT
fsr-3374	801	4	y	y	PROPN
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fsr-3374	802	14	.	.	PUNCT
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fsr-3374	803	4	.	.	PUNCT
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fsr-3374	804	6	.	.	PROPN
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fsr-3374	805	4	.	.	PUNCT
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fsr-3374	807	3	.	.	PUNCT
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fsr-3374	808	3	.	.	PUNCT
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fsr-3374	810	3	.	.	PUNCT
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fsr-3374	812	3	.	.	PUNCT
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fsr-3374	813	3	.	.	PUNCT
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fsr-3374	814	4	.	.	PUNCT
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fsr-3374	815	5	h	h	NOUN
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fsr-3374	815	7	.	.	PUNCT
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fsr-3374	816	4	.	.	NOUN
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fsr-3374	817	3	.	.	PUNCT
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fsr-3374	820	1	0	0	X
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fsr-3374	821	3	.	.	PUNCT
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fsr-3374	822	3	.	.	PUNCT
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fsr-3374	823	4	.	.	PUNCT
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fsr-3374	824	5	.	.	NUM
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fsr-3374	824	9	.	.	PUNCT
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fsr-3374	827	3	er	er	INTJ
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fsr-3374	827	24	.	.	PUNCT
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fsr-3374	828	5	.	.	PROPN
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fsr-3374	828	9	.	.	PUNCT
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fsr-3374	829	5	.	.	PUNCT
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fsr-3374	831	3	.	.	PUNCT
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fsr-3374	832	20	.	.	PUNCT
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fsr-3374	833	18	.	.	PROPN
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fsr-3374	834	4	.	.	PUNCT
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fsr-3374	836	22	.	.	PUNCT
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fsr-3374	839	4	.	.	PUNCT
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fsr-3374	898	17	.	.	NUM
fsr-3374	898	18	08	08	NUM
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fsr-3374	898	20	0	0	NUM
fsr-3374	898	21	.	.	PUNCT
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fsr-3374	898	24	0	0	NUM
fsr-3374	898	25	.	.	PUNCT
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fsr-3374	899	6	,	,	PUNCT
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fsr-3374	899	8	0	0	NUM
fsr-3374	900	1	to	to	PART
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fsr-3374	900	7	1	1	NUM
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fsr-3374	900	9	,	,	PUNCT
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fsr-3374	900	13	.	.	PUNCT
fsr-3374	901	1	12	12	NUM
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fsr-3374	901	3	0	0	NUM
fsr-3374	901	4	.	.	NOUN
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fsr-3374	901	7	0	0	NUM
fsr-3374	901	8	.	.	PUNCT
fsr-3374	902	1	12	12	NUM
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fsr-3374	903	2	0	0	NUM
fsr-3374	903	3	.	.	PUNCT
fsr-3374	904	1	10	10	NUM
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fsr-3374	904	5	.	.	PROPN
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fsr-3374	904	8	0	0	NUM
fsr-3374	904	9	.	.	PUNCT
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fsr-3374	905	1	*	*	PUNCT
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fsr-3374	905	3	0	0	NUM
fsr-3374	905	4	.	.	NUM
fsr-3374	905	5	06	06	NUM
fsr-3374	906	1	30	30	NUM
fsr-3374	906	2	0	0	NUM
fsr-3374	906	3	.	.	PUNCT
fsr-3374	906	4	09	09	NUM
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fsr-3374	906	8	.	.	PUNCT
fsr-3374	907	1	05	05	NUM
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fsr-3374	908	3	.	.	PUNCT
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fsr-3374	908	9	,	,	PUNCT
fsr-3374	908	10	0	0	NUM
fsr-3374	908	11	00	00	NUM
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fsr-3374	908	20	,	,	PUNCT
fsr-3374	908	21	0	0	NUM
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fsr-3374	908	23	0	0	NUM
fsr-3374	908	24	.	.	PUNCT
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fsr-3374	909	3	0	0	NUM
fsr-3374	909	4	.	.	PUNCT
fsr-3374	910	1	14	14	NUM
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fsr-3374	910	3	*	*	PUNCT
fsr-3374	910	4	*	*	PUNCT
fsr-3374	911	1	*	*	PUNCT
fsr-3374	911	2	0	0	NUM
fsr-3374	911	3	.	.	NUM
fsr-3374	911	4	06	06	NUM
fsr-3374	912	1	97	97	NUM
fsr-3374	912	2	0	0	NUM
fsr-3374	912	3	.	.	PUNCT
fsr-3374	912	4	11	11	NUM
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fsr-3374	912	8	.	.	PUNCT
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fsr-3374	912	12	.	.	PUNCT
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fsr-3374	913	3	*	*	PUNCT
fsr-3374	913	4	*	*	NOUN
fsr-3374	913	5	0	0	NUM
fsr-3374	913	6	.	.	NUM
fsr-3374	913	7	08	08	NUM
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fsr-3374	914	2	0	0	NUM
fsr-3374	914	3	.	.	PUNCT
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fsr-3374	914	8	.	.	PROPN
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fsr-3374	914	12	.	.	PUNCT
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fsr-3374	914	18	,	,	PUNCT
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fsr-3374	914	21	or	or	CCONJ
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fsr-3374	914	24	e	e	NOUN
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fsr-3374	915	4	.	.	PUNCT
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fsr-3374	916	3	*	*	PUNCT
fsr-3374	916	4	*	*	PUNCT
fsr-3374	916	5	*	*	PUNCT
fsr-3374	916	6	0	0	NUM
fsr-3374	916	7	.	.	X
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fsr-3374	916	11	.	.	PUNCT
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fsr-3374	916	14	*	*	PUNCT
fsr-3374	916	15	*	*	PUNCT
fsr-3374	916	16	�	�	PROPN
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fsr-3374	916	18	.	.	PUNCT
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fsr-3374	916	21	0	0	NUM
fsr-3374	916	22	.	.	PUNCT
fsr-3374	916	23	13	13	NUM
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fsr-3374	916	25	*	*	SYM
fsr-3374	916	26	0	0	NUM
fsr-3374	916	27	.	.	NOUN
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fsr-3374	916	31	.	.	PUNCT
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fsr-3374	917	3	*	*	PUNCT
fsr-3374	917	4	*	*	PUNCT
fsr-3374	917	5	�	�	PROPN
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fsr-3374	917	7	.	.	PROPN
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fsr-3374	917	11	.	.	PUNCT
fsr-3374	918	1	14	14	NUM
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fsr-3374	918	3	(	(	PUNCT
fsr-3374	918	4	c	c	NOUN
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fsr-3374	918	8	ed	ed	PROPN
fsr-3374	918	9	on	on	ADP
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fsr-3374	918	11	xt	xt	PROPN
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fsr-3374	918	14	)	)	PUNCT
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fsr-3374	919	2	.	.	PUNCT
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fsr-3374	920	3	c.m	c.m	PROPN
fsr-3374	920	4	.	.	PROPN
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fsr-3374	920	10	26	26	NUM
fsr-3374	920	11	(	(	PUNCT
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fsr-3374	920	13	)	)	PUNCT
fsr-3374	921	1	405–432	405–432	NUM
fsr-3374	921	2	t	t	PROPN
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fsr-3374	921	4	le	le	X
fsr-3374	921	5	6	6	NUM
fsr-3374	921	6	(	(	PUNCT
fsr-3374	921	7	c	c	NOUN
fsr-3374	921	8	on	on	ADP
fsr-3374	921	9	tin	tin	NOUN
fsr-3374	921	10	ue	ue	PROPN
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fsr-3374	922	1	d	d	PROPN
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fsr-3374	922	8	g	g	PROPN
fsr-3374	922	9	sa	sa	PROPN
fsr-3374	922	10	vi	vi	PROPN
fsr-3374	922	11	ng	ng	PROPN
fsr-3374	922	12	s/	s/	VERB
fsr-3374	922	13	in	in	ADP
fsr-3374	922	14	ve	ve	PROPN
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fsr-3374	922	18	t	t	PROPN
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fsr-3374	922	20	or	or	CCONJ
fsr-3374	922	21	tg	tg	PROPN
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fsr-3374	923	1	e/	e/	INTJ
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fsr-3374	924	7	t	t	PROPN
fsr-3374	924	8	ax	ax	NOUN
fsr-3374	924	9	pl	pl	X
fsr-3374	924	10	an	an	DET
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fsr-3374	924	13	m	m	PROPN
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fsr-3374	924	15	g.	g.	PROPN
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fsr-3374	924	19	s	s	PROPN
fsr-3374	924	20	(	(	PUNCT
fsr-3374	924	21	s	s	NOUN
fsr-3374	924	22	e	e	NOUN
fsr-3374	924	23	)	)	PUNCT
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fsr-3374	925	3	g.	g.	PROPN
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fsr-3374	925	5	fe	fe	PROPN
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fsr-3374	926	2	s	s	PROPN
fsr-3374	926	3	(	(	PUNCT
fsr-3374	926	4	s	s	NOUN
fsr-3374	926	5	e	e	NOUN
fsr-3374	926	6	)	)	PUNCT
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fsr-3374	926	9	g.	g.	PROPN
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fsr-3374	926	13	s	s	PROPN
fsr-3374	926	14	(	(	PUNCT
fsr-3374	926	15	s	s	NOUN
fsr-3374	926	16	e	e	NOUN
fsr-3374	926	17	)	)	PUNCT
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fsr-3374	926	24	s	s	PROPN
fsr-3374	926	25	(	(	PUNCT
fsr-3374	926	26	s	s	NOUN
fsr-3374	926	27	e	e	NOUN
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fsr-3374	926	36	(	(	PUNCT
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fsr-3374	926	39	)	)	PUNCT
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fsr-3374	926	59	.	.	PUNCT
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fsr-3374	927	4	.	.	PUNCT
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fsr-3374	928	3	.	.	PUNCT
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fsr-3374	929	3	.	.	PUNCT
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fsr-3374	931	3	.	.	PUNCT
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fsr-3374	932	3	.	.	PUNCT
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fsr-3374	934	3	.	.	PROPN
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fsr-3374	935	4	.	.	PUNCT
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fsr-3374	937	3	.	.	PUNCT
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fsr-3374	939	3	.	.	PUNCT
fsr-3374	940	1	06	06	NUM
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fsr-3374	940	3	h	h	NOUN
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fsr-3374	940	7	.	.	PUNCT
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fsr-3374	942	1	*	*	PUNCT
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fsr-3374	943	1	*	*	PUNCT
fsr-3374	943	2	0	0	NUM
fsr-3374	943	3	.	.	X
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fsr-3374	944	3	.	.	PUNCT
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fsr-3374	947	1	*	*	PUNCT
fsr-3374	947	2	0	0	NUM
fsr-3374	947	3	.	.	NUM
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fsr-3374	948	3	.	.	PUNCT
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fsr-3374	949	3	*	*	PUNCT
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fsr-3374	950	1	*	*	PUNCT
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fsr-3374	950	3	.	.	PROPN
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fsr-3374	952	1	*	*	PUNCT
fsr-3374	952	2	*	*	PUNCT
fsr-3374	953	1	*	*	PUNCT
fsr-3374	953	2	0	0	X
fsr-3374	953	3	.	.	NUM
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fsr-3374	953	6	0	0	NUM
fsr-3374	953	7	.	.	PUNCT
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fsr-3374	996	12	ed	ed	NOUN
fsr-3374	996	13	in	in	ADP
fsr-3374	996	14	a	a	DET
fsr-3374	996	15	se	se	PROPN
fsr-3374	996	16	pa	pa	PROPN
fsr-3374	996	17	ra	ra	PROPN
fsr-3374	996	18	te	te	INTJ
fsr-3374	996	19	re	re	ADP
fsr-3374	996	20	gr	gr	X
fsr-3374	996	21	es	es	X
fsr-3374	996	22	si	si	X
fsr-3374	996	23	on	on	ADP
fsr-3374	996	24	w	w	PROPN
fsr-3374	996	25	ith	ith	PROPN
fsr-3374	996	26	ou	ou	ADP
fsr-3374	996	27	t	t	PROPN
fsr-3374	996	28	th	th	AUX
fsr-3374	996	29	e	e	X
fsr-3374	996	30	ag	ag	PROPN
fsr-3374	996	31	e	e	PROPN
fsr-3374	996	32	ra	ra	PROPN
fsr-3374	996	33	ng	ng	PROPN
fsr-3374	996	34	es	es	X
fsr-3374	996	35	to	to	ADP
fsr-3374	996	36	av	av	PROPN
fsr-3374	997	1	oi	oi	PROPN
fsr-3374	997	2	d	d	X
fsr-3374	997	3	co	co	X
fsr-3374	997	4	lli	lli	PROPN
fsr-3374	997	5	ne	ne	PROPN
fsr-3374	997	6	ar	ar	PROPN
fsr-3374	997	7	ity	ity	PROPN
fsr-3374	997	8	.	.	PUNCT
fsr-3374	998	1	*	*	PUNCT
fsr-3374	998	2	s	s	VERB
fsr-3374	998	3	ig	ig	PROPN
fsr-3374	998	4	ni	ni	PROPN
fsr-3374	998	5	fic	fic	PROPN
fsr-3374	998	6	an	an	PROPN
fsr-3374	998	7	ce	ce	PROPN
fsr-3374	998	8	at	at	ADP
fsr-3374	998	9	10	10	NUM
fsr-3374	998	10	%	%	NOUN
fsr-3374	998	11	le	le	INTJ
fsr-3374	998	12	ve	ve	PROPN
fsr-3374	998	13	l	l	NOUN
fsr-3374	998	14	;	;	PUNCT
fsr-3374	998	15	*	*	PUNCT
fsr-3374	998	16	*	*	PUNCT
fsr-3374	998	17	si	si	PROPN
fsr-3374	998	18	gn	gn	PROPN
fsr-3374	998	19	ifi	ifi	PROPN
fsr-3374	998	20	ca	ca	PROPN
fsr-3374	998	21	nc	nc	PROPN
fsr-3374	998	22	e	e	PROPN
fsr-3374	998	23	at	at	ADP
fsr-3374	998	24	5	5	NUM
fsr-3374	998	25	%	%	NOUN
fsr-3374	998	26	le	le	X
fsr-3374	998	27	ve	ve	PROPN
fsr-3374	998	28	l	l	NOUN
fsr-3374	998	29	;	;	PUNCT
fsr-3374	998	30	*	*	PUNCT
fsr-3374	999	1	*	*	PUNCT
fsr-3374	999	2	*	*	PUNCT
fsr-3374	999	3	s	s	AUX
fsr-3374	999	4	ig	ig	PROPN
fsr-3374	999	5	ni	ni	PROPN
fsr-3374	999	6	fic	fic	PROPN
fsr-3374	999	7	an	an	PROPN
fsr-3374	999	8	ce	ce	PROPN
fsr-3374	999	9	at	at	ADP
fsr-3374	999	10	1	1	NUM
fsr-3374	999	11	%	%	NOUN
fsr-3374	999	12	le	le	X
fsr-3374	999	13	ve	ve	AUX
fsr-3374	999	14	l.	l.	PROPN
fsr-3374	999	15	420	420	NUM
fsr-3374	999	16	m.h	m.h	PROPN
fsr-3374	999	17	.	.	PROPN
fsr-3374	999	18	alyousif	alyousif	PROPN
fsr-3374	999	19	,	,	PUNCT
fsr-3374	999	20	c.m	c.m	PROPN
fsr-3374	999	21	.	.	PROPN
fsr-3374	999	22	kalenkoski	kalenkoski	PROPN
fsr-3374	999	23	/	/	SYM
fsr-3374	999	24	financial	financial	ADJ
fsr-3374	999	25	services	service	NOUN
fsr-3374	999	26	review	review	VERB
fsr-3374	999	27	26	26	NUM
fsr-3374	999	28	(	(	PUNCT
fsr-3374	999	29	2017	2017	NUM
fsr-3374	999	30	)	)	PUNCT
fsr-3374	999	31	405–432	405–432	NUM
fsr-3374	999	32	to	to	PART
fsr-3374	999	33	examine	examine	VERB
fsr-3374	999	34	additional	additional	ADJ
fsr-3374	999	35	reasons	reason	NOUN
fsr-3374	999	36	that	that	PRON
fsr-3374	999	37	can	can	AUX
fsr-3374	999	38	explain	explain	VERB
fsr-3374	999	39	the	the	DET
fsr-3374	999	40	demand	demand	NOUN
fsr-3374	999	41	for	for	ADP
fsr-3374	999	42	different	different	ADJ
fsr-3374	999	43	types	type	NOUN
fsr-3374	999	44	of	of	ADP
fsr-3374	999	45	advice	advice	NOUN
fsr-3374	999	46	,	,	PUNCT
fsr-3374	999	47	the	the	DET
fsr-3374	999	48	article	article	NOUN
fsr-3374	999	49	uses	use	VERB
fsr-3374	999	50	as	as	ADP
fsr-3374	999	51	a	a	DET
fsr-3374	999	52	proxy	proxy	NOUN
fsr-3374	999	53	for	for	ADP
fsr-3374	999	54	liquidity	liquidity	NOUN
fsr-3374	999	55	constraints	constraint	NOUN
fsr-3374	999	56	the	the	DET
fsr-3374	999	57	difficulty	difficulty	NOUN
fsr-3374	999	58	to	to	PART
fsr-3374	999	59	cover	cover	VERB
fsr-3374	999	60	expenses	expense	NOUN
fsr-3374	999	61	and	and	CCONJ
fsr-3374	999	62	pay	pay	VERB
fsr-3374	999	63	one	one	NUM
fsr-3374	999	64	’s	’s	PART
fsr-3374	999	65	bills	bill	NOUN
fsr-3374	999	66	.	.	PUNCT
fsr-3374	1000	1	the	the	DET
fsr-3374	1000	2	t	t	PROPN
fsr-3374	1000	3	test	test	NOUN
fsr-3374	1000	4	results	result	NOUN
fsr-3374	1000	5	in	in	ADP
fsr-3374	1000	6	table	table	NOUN
fsr-3374	1000	7	7	7	NUM
fsr-3374	1000	8	indicate	indicate	VERB
fsr-3374	1000	9	that	that	SCONJ
fsr-3374	1000	10	respondents	respondent	NOUN
fsr-3374	1000	11	who	who	PRON
fsr-3374	1000	12	do	do	AUX
fsr-3374	1000	13	not	not	PART
fsr-3374	1000	14	experience	experience	VERB
fsr-3374	1000	15	liquidity	liquidity	NOUN
fsr-3374	1000	16	constraints	constraint	NOUN
fsr-3374	1000	17	show	show	VERB
fsr-3374	1000	18	a	a	DET
fsr-3374	1000	19	higher	high	ADJ
fsr-3374	1000	20	demand	demand	NOUN
fsr-3374	1000	21	for	for	ADP
fsr-3374	1000	22	advice	advice	NOUN
fsr-3374	1000	23	about	about	ADP
fsr-3374	1000	24	saving	saving	NOUN
fsr-3374	1000	25	/	/	SYM
fsr-3374	1000	26	investment	investment	NOUN
fsr-3374	1000	27	,	,	PUNCT
fsr-3374	1000	28	mortgages/	mortgages/	NUM
fsr-3374	1000	29	loans	loan	NOUN
fsr-3374	1000	30	,	,	PUNCT
fsr-3374	1000	31	and	and	CCONJ
fsr-3374	1000	32	insurance	insurance	NOUN
fsr-3374	1000	33	compared	compare	VERB
fsr-3374	1000	34	with	with	ADP
fsr-3374	1000	35	those	those	PRON
fsr-3374	1000	36	with	with	ADP
fsr-3374	1000	37	a	a	DET
fsr-3374	1000	38	liquidity	liquidity	NOUN
fsr-3374	1000	39	problem	problem	NOUN
fsr-3374	1000	40	.	.	PUNCT
fsr-3374	1001	1	furthermore	furthermore	ADV
fsr-3374	1001	2	,	,	PUNCT
fsr-3374	1001	3	homeownership	homeownership	NOUN
fsr-3374	1001	4	has	have	AUX
fsr-3374	1001	5	been	be	AUX
fsr-3374	1001	6	used	use	VERB
fsr-3374	1001	7	as	as	ADP
fsr-3374	1001	8	a	a	DET
fsr-3374	1001	9	proxy	proxy	NOUN
fsr-3374	1001	10	for	for	ADP
fsr-3374	1001	11	socioeconomic	socioeconomic	ADJ
fsr-3374	1001	12	status	status	NOUN
fsr-3374	1001	13	and	and	CCONJ
fsr-3374	1001	14	financial	financial	ADJ
fsr-3374	1001	15	stability	stability	NOUN
fsr-3374	1001	16	.	.	PUNCT
fsr-3374	1002	1	the	the	DET
fsr-3374	1002	2	t	t	PROPN
fsr-3374	1002	3	test	test	NOUN
fsr-3374	1002	4	results	result	NOUN
fsr-3374	1002	5	in	in	ADP
fsr-3374	1002	6	table	table	NOUN
fsr-3374	1002	7	8	8	NUM
fsr-3374	1002	8	show	show	VERB
fsr-3374	1002	9	significant	significant	ADJ
fsr-3374	1002	10	differences	difference	NOUN
fsr-3374	1002	11	between	between	ADP
fsr-3374	1002	12	homeowners	homeowner	NOUN
fsr-3374	1002	13	and	and	CCONJ
fsr-3374	1002	14	non	non	NOUN
fsr-3374	1002	15	-	-	NOUN
fsr-3374	1002	16	homeowners	homeowner	NOUN
fsr-3374	1002	17	.	.	PUNCT
fsr-3374	1003	1	the	the	DET
fsr-3374	1003	2	percentage	percentage	NOUN
fsr-3374	1003	3	of	of	ADP
fsr-3374	1003	4	homeowners	homeowner	NOUN
fsr-3374	1003	5	who	who	PRON
fsr-3374	1003	6	seek	seek	VERB
fsr-3374	1003	7	financial	financial	ADJ
fsr-3374	1003	8	advice	advice	NOUN
fsr-3374	1003	9	is	be	AUX
fsr-3374	1003	10	higher	high	ADJ
fsr-3374	1003	11	than	than	ADP
fsr-3374	1003	12	that	that	PRON
fsr-3374	1003	13	for	for	ADP
fsr-3374	1003	14	nonhomeowners	nonhomeowner	NOUN
fsr-3374	1003	15	across	across	ADP
fsr-3374	1003	16	all	all	DET
fsr-3374	1003	17	types	type	NOUN
fsr-3374	1003	18	of	of	ADP
fsr-3374	1003	19	advice	advice	NOUN
fsr-3374	1003	20	except	except	SCONJ
fsr-3374	1003	21	debt	debt	NOUN
fsr-3374	1003	22	counseling	counseling	NOUN
fsr-3374	1003	23	.	.	PUNCT
fsr-3374	1004	1	in	in	ADP
fsr-3374	1004	2	addition	addition	NOUN
fsr-3374	1004	3	,	,	PUNCT
fsr-3374	1004	4	table	table	NOUN
fsr-3374	1004	5	9	9	NUM
fsr-3374	1004	6	shows	show	VERB
fsr-3374	1004	7	that	that	SCONJ
fsr-3374	1004	8	seeking	seek	VERB
fsr-3374	1004	9	debt	debt	NOUN
fsr-3374	1004	10	counseling	counseling	NOUN
fsr-3374	1004	11	by	by	ADP
fsr-3374	1004	12	respondents	respondent	NOUN
fsr-3374	1004	13	who	who	PRON
fsr-3374	1004	14	declared	declare	VERB
fsr-3374	1004	15	bankruptcy	bankruptcy	NOUN
fsr-3374	1004	16	is	be	AUX
fsr-3374	1004	17	significantly	significantly	ADV
fsr-3374	1004	18	different	different	ADJ
fsr-3374	1004	19	from	from	ADP
fsr-3374	1004	20	those	those	PRON
fsr-3374	1004	21	who	who	PRON
fsr-3374	1004	22	did	do	AUX
fsr-3374	1004	23	not	not	PART
fsr-3374	1004	24	experience	experience	VERB
fsr-3374	1004	25	bankruptcy	bankruptcy	NOUN
fsr-3374	1004	26	.	.	PUNCT
fsr-3374	1005	1	to	to	PART
fsr-3374	1005	2	test	test	VERB
fsr-3374	1005	3	the	the	DET
fsr-3374	1005	4	presence	presence	NOUN
fsr-3374	1005	5	of	of	ADP
fsr-3374	1005	6	significant	significant	ADJ
fsr-3374	1005	7	differences	difference	NOUN
fsr-3374	1005	8	in	in	ADP
fsr-3374	1005	9	financial	financial	ADJ
fsr-3374	1005	10	advice	advice	NOUN
fsr-3374	1005	11	seeking	seek	VERB
fsr-3374	1005	12	behavior	behavior	NOUN
fsr-3374	1005	13	by	by	ADP
fsr-3374	1005	14	females	female	NOUN
fsr-3374	1005	15	,	,	PUNCT
fsr-3374	1005	16	the	the	DET
fsr-3374	1005	17	young	young	ADJ
fsr-3374	1005	18	,	,	PUNCT
fsr-3374	1005	19	and	and	CCONJ
fsr-3374	1005	20	the	the	DET
fsr-3374	1005	21	financially	financially	ADV
fsr-3374	1005	22	illiterate	illiterate	ADJ
fsr-3374	1005	23	,	,	PUNCT
fsr-3374	1005	24	the	the	DET
fsr-3374	1005	25	regression	regression	NOUN
fsr-3374	1005	26	model	model	NOUN
fsr-3374	1005	27	in	in	ADP
fsr-3374	1005	28	table	table	NOUN
fsr-3374	1005	29	6	6	NUM
fsr-3374	1005	30	uses	use	VERB
fsr-3374	1005	31	interaction	interaction	NOUN
fsr-3374	1005	32	terms	term	NOUN
fsr-3374	1005	33	between	between	ADP
fsr-3374	1005	34	those	those	DET
fsr-3374	1005	35	groups	group	NOUN
fsr-3374	1005	36	and	and	CCONJ
fsr-3374	1005	37	the	the	DET
fsr-3374	1005	38	factors	factor	NOUN
fsr-3374	1005	39	of	of	ADP
fsr-3374	1005	40	interest	interest	NOUN
fsr-3374	1005	41	over	over	ADP
fsr-3374	1005	42	the	the	DET
fsr-3374	1005	43	whole	whole	ADJ
fsr-3374	1005	44	sample	sample	NOUN
fsr-3374	1005	45	.	.	PUNCT
fsr-3374	1006	1	the	the	DET
fsr-3374	1006	2	results	result	NOUN
fsr-3374	1006	3	for	for	ADP
fsr-3374	1006	4	females	female	NOUN
fsr-3374	1006	5	indicate	indicate	VERB
fsr-3374	1006	6	that	that	SCONJ
fsr-3374	1006	7	financial	financial	ADJ
fsr-3374	1006	8	fragility	fragility	NOUN
fsr-3374	1006	9	only	only	ADV
fsr-3374	1006	10	is	be	AUX
fsr-3374	1006	11	related	relate	VERB
fsr-3374	1006	12	positively	positively	ADV
fsr-3374	1006	13	to	to	ADP
fsr-3374	1006	14	seeking	seek	VERB
fsr-3374	1006	15	debt	debt	NOUN
fsr-3374	1006	16	counseling	counseling	NOUN
fsr-3374	1006	17	and	and	CCONJ
fsr-3374	1006	18	advice	advice	NOUN
fsr-3374	1006	19	about	about	ADP
fsr-3374	1006	20	mortgages	mortgage	NOUN
fsr-3374	1006	21	/	/	SYM
fsr-3374	1006	22	loans	loan	NOUN
fsr-3374	1006	23	for	for	ADP
fsr-3374	1006	24	respondents	respondent	NOUN
fsr-3374	1006	25	who	who	PRON
fsr-3374	1006	26	experience	experience	VERB
fsr-3374	1006	27	at	at	ADV
fsr-3374	1006	28	least	least	ADV
fsr-3374	1006	29	three	three	NUM
fsr-3374	1006	30	signs	sign	NOUN
fsr-3374	1006	31	of	of	ADP
fsr-3374	1006	32	financial	financial	ADJ
fsr-3374	1006	33	difficulty	difficulty	NOUN
fsr-3374	1006	34	.	.	PUNCT
fsr-3374	1007	1	for	for	ADP
fsr-3374	1007	2	the	the	DET
fsr-3374	1007	3	young	young	ADJ
fsr-3374	1007	4	group	group	NOUN
fsr-3374	1007	5	,	,	PUNCT
fsr-3374	1007	6	the	the	DET
fsr-3374	1007	7	results	result	NOUN
fsr-3374	1007	8	show	show	VERB
fsr-3374	1007	9	a	a	DET
fsr-3374	1007	10	negative	negative	ADJ
fsr-3374	1007	11	relation	relation	NOUN
fsr-3374	1007	12	between	between	ADP
fsr-3374	1007	13	income	income	NOUN
fsr-3374	1007	14	and	and	CCONJ
fsr-3374	1007	15	seeking	seek	VERB
fsr-3374	1007	16	advice	advice	NOUN
fsr-3374	1007	17	about	about	ADP
fsr-3374	1007	18	savings	saving	NOUN
fsr-3374	1007	19	/	/	SYM
fsr-3374	1007	20	investment	investment	NOUN
fsr-3374	1007	21	,	,	PUNCT
fsr-3374	1007	22	and	and	CCONJ
fsr-3374	1007	23	tax	tax	NOUN
fsr-3374	1007	24	planning	planning	NOUN
fsr-3374	1007	25	.	.	PUNCT
fsr-3374	1008	1	high	high	ADJ
fsr-3374	1008	2	risk	risk	NOUN
fsr-3374	1008	3	tolerance	tolerance	NOUN
fsr-3374	1008	4	is	be	AUX
fsr-3374	1008	5	related	relate	VERB
fsr-3374	1008	6	positively	positively	ADV
fsr-3374	1008	7	to	to	ADP
fsr-3374	1008	8	seeking	seek	VERB
fsr-3374	1008	9	advice	advice	NOUN
fsr-3374	1008	10	about	about	ADP
fsr-3374	1008	11	savings	saving	NOUN
fsr-3374	1008	12	/	/	SYM
fsr-3374	1008	13	investment	investment	NOUN
fsr-3374	1008	14	,	,	PUNCT
fsr-3374	1008	15	insurance	insurance	NOUN
fsr-3374	1008	16	,	,	PUNCT
fsr-3374	1008	17	and	and	CCONJ
fsr-3374	1008	18	tax	tax	NOUN
fsr-3374	1008	19	planning	planning	NOUN
fsr-3374	1008	20	.	.	PUNCT
fsr-3374	1009	1	however	however	ADV
fsr-3374	1009	2	,	,	PUNCT
fsr-3374	1009	3	financial	financial	ADJ
fsr-3374	1009	4	fragility	fragility	NOUN
fsr-3374	1009	5	is	be	AUX
fsr-3374	1009	6	related	relate	VERB
fsr-3374	1009	7	negatively	negatively	ADV
fsr-3374	1009	8	to	to	ADP
fsr-3374	1009	9	debt	debt	NOUN
fsr-3374	1009	10	counseling	counseling	NOUN
fsr-3374	1009	11	and	and	CCONJ
fsr-3374	1009	12	advice	advice	NOUN
fsr-3374	1009	13	about	about	ADP
fsr-3374	1009	14	mortgages	mortgage	NOUN
fsr-3374	1009	15	,	,	PUNCT
fsr-3374	1009	16	and	and	CCONJ
fsr-3374	1009	17	positively	positively	ADV
fsr-3374	1009	18	to	to	ADP
fsr-3374	1009	19	advice	advice	NOUN
fsr-3374	1009	20	about	about	ADP
fsr-3374	1009	21	savings	saving	NOUN
fsr-3374	1009	22	/	/	SYM
fsr-3374	1009	23	investment	investment	NOUN
fsr-3374	1009	24	,	,	PUNCT
fsr-3374	1009	25	and	and	CCONJ
fsr-3374	1009	26	tax	tax	NOUN
fsr-3374	1009	27	planning	planning	NOUN
fsr-3374	1009	28	.	.	PUNCT
fsr-3374	1010	1	for	for	ADP
fsr-3374	1010	2	the	the	DET
fsr-3374	1010	3	financially	financially	ADV
fsr-3374	1010	4	illiterate	illiterate	ADJ
fsr-3374	1010	5	group	group	NOUN
fsr-3374	1010	6	,	,	PUNCT
fsr-3374	1010	7	high	high	ADJ
fsr-3374	1010	8	risk	risk	NOUN
fsr-3374	1010	9	tolerance	tolerance	NOUN
fsr-3374	1010	10	is	be	AUX
fsr-3374	1010	11	related	relate	VERB
fsr-3374	1010	12	positively	positively	ADV
fsr-3374	1010	13	to	to	ADP
fsr-3374	1010	14	seeking	seek	VERB
fsr-3374	1010	15	all	all	DET
fsr-3374	1010	16	types	type	NOUN
fsr-3374	1010	17	of	of	ADP
fsr-3374	1010	18	financial	financial	ADJ
fsr-3374	1010	19	advice	advice	NOUN
fsr-3374	1010	20	,	,	PUNCT
fsr-3374	1010	21	while	while	SCONJ
fsr-3374	1010	22	financial	financial	ADJ
fsr-3374	1010	23	fragility	fragility	NOUN
fsr-3374	1010	24	has	have	VERB
fsr-3374	1010	25	a	a	DET
fsr-3374	1010	26	negative	negative	ADJ
fsr-3374	1010	27	association	association	NOUN
fsr-3374	1010	28	to	to	ADP
fsr-3374	1010	29	seeking	seek	VERB
fsr-3374	1010	30	debt	debt	NOUN
fsr-3374	1010	31	counseling	counseling	NOUN
fsr-3374	1010	32	.	.	PUNCT
fsr-3374	1011	1	table	table	NOUN
fsr-3374	1011	2	7	7	NUM
fsr-3374	1011	3	t	t	NOUN
fsr-3374	1011	4	-	-	PUNCT
fsr-3374	1011	5	test	test	NOUN
fsr-3374	1011	6	of	of	ADP
fsr-3374	1011	7	means	mean	NOUN
fsr-3374	1011	8	for	for	ADP
fsr-3374	1011	9	financial	financial	ADJ
fsr-3374	1011	10	advice	advice	NOUN
fsr-3374	1011	11	(	(	PUNCT
fsr-3374	1011	12	liquidity	liquidity	NOUN
fsr-3374	1011	13	constraint	constraint	NOUN
fsr-3374	1011	14	)	)	PUNCT
fsr-3374	1011	15	type	type	NOUN
fsr-3374	1011	16	of	of	ADP
fsr-3374	1011	17	advice	advice	NOUN
fsr-3374	1011	18	have	have	VERB
fsr-3374	1011	19	difficulty	difficulty	NOUN
fsr-3374	1011	20	no	no	DET
fsr-3374	1011	21	difficulty	difficulty	NOUN
fsr-3374	1011	22	mean	mean	VERB
fsr-3374	1011	23	standard	standard	ADJ
fsr-3374	1011	24	error	error	NOUN
fsr-3374	1011	25	mean	mean	VERB
fsr-3374	1011	26	standard	standard	ADJ
fsr-3374	1011	27	error	error	NOUN
fsr-3374	1011	28	debt	debt	NOUN
fsr-3374	1011	29	counseling	counsel	VERB
fsr-3374	1011	30	0.1186	0.1186	NUM
fsr-3374	1011	31	0.0033	0.0033	NUM
fsr-3374	1011	32	0.0523	0.0523	NUM
fsr-3374	1011	33	0.0027	0.0027	NUM
fsr-3374	1011	34	*	*	PUNCT
fsr-3374	1012	1	*	*	PUNCT
fsr-3374	1012	2	*	*	NOUN
fsr-3374	1012	3	savings	savings	NOUN
fsr-3374	1012	4	/	/	SYM
fsr-3374	1012	5	investment	investment	NOUN
fsr-3374	1012	6	0.2201	0.2201	NUM
fsr-3374	1012	7	0.0041	0.0041	NUM
fsr-3374	1012	8	0.3785	0.3785	NUM
fsr-3374	1012	9	0.0054	0.0054	NUM
fsr-3374	1013	1	*	*	PUNCT
fsr-3374	1013	2	*	*	PUNCT
fsr-3374	1013	3	*	*	PUNCT
fsr-3374	1013	4	mortgages	mortgage	NOUN
fsr-3374	1013	5	/	/	SYM
fsr-3374	1013	6	loans	loan	NOUN
fsr-3374	1013	7	0.1934	0.1934	NUM
fsr-3374	1013	8	0.0039	0.0039	NUM
fsr-3374	1013	9	0.2137	0.2137	NUM
fsr-3374	1013	10	0.0046	0.0046	NUM
fsr-3374	1013	11	*	*	PUNCT
fsr-3374	1014	1	*	*	PUNCT
fsr-3374	1014	2	*	*	PUNCT
fsr-3374	1014	3	tax	tax	NOUN
fsr-3374	1014	4	planning	planning	NOUN
fsr-3374	1014	5	0.1512	0.1512	NUM
fsr-3374	1014	6	0.0036	0.0036	NUM
fsr-3374	1014	7	0.2220	0.2220	NUM
fsr-3374	1014	8	0.0046	0.0046	NUM
fsr-3374	1014	9	*	*	PUNCT
fsr-3374	1015	1	*	*	PUNCT
fsr-3374	1015	2	*	*	PUNCT
fsr-3374	1015	3	*	*	PUNCT
fsr-3374	1015	4	significance	significance	NOUN
fsr-3374	1015	5	at	at	ADP
fsr-3374	1015	6	10	10	NUM
fsr-3374	1015	7	%	%	NOUN
fsr-3374	1015	8	level	level	NOUN
fsr-3374	1015	9	;	;	PUNCT
fsr-3374	1015	10	*	*	PUNCT
fsr-3374	1015	11	*	*	NOUN
fsr-3374	1015	12	significance	significance	NOUN
fsr-3374	1015	13	at	at	ADP
fsr-3374	1015	14	5	5	NUM
fsr-3374	1015	15	%	%	NOUN
fsr-3374	1015	16	level	level	NOUN
fsr-3374	1015	17	;	;	PUNCT
fsr-3374	1015	18	*	*	PUNCT
fsr-3374	1015	19	*	*	PUNCT
fsr-3374	1015	20	*	*	NOUN
fsr-3374	1015	21	significance	significance	NOUN
fsr-3374	1015	22	at	at	ADP
fsr-3374	1015	23	1	1	NUM
fsr-3374	1015	24	%	%	NOUN
fsr-3374	1015	25	level	level	NOUN
fsr-3374	1015	26	.	.	PUNCT
fsr-3374	1016	1	table	table	NOUN
fsr-3374	1016	2	8	8	NUM
fsr-3374	1016	3	t	t	NOUN
fsr-3374	1016	4	-	-	PUNCT
fsr-3374	1016	5	test	test	NOUN
fsr-3374	1016	6	of	of	ADP
fsr-3374	1016	7	means	mean	NOUN
fsr-3374	1016	8	for	for	ADP
fsr-3374	1016	9	financial	financial	ADJ
fsr-3374	1016	10	advice	advice	NOUN
fsr-3374	1016	11	(	(	PUNCT
fsr-3374	1016	12	home	home	NOUN
fsr-3374	1016	13	ownership	ownership	NOUN
fsr-3374	1016	14	)	)	PUNCT
fsr-3374	1016	15	type	type	NOUN
fsr-3374	1016	16	of	of	ADP
fsr-3374	1016	17	advice	advice	NOUN
fsr-3374	1017	1	yes	yes	INTJ
fsr-3374	1017	2	no	no	DET
fsr-3374	1017	3	mean	mean	INTJ
fsr-3374	1017	4	standard	standard	ADJ
fsr-3374	1017	5	error	error	NOUN
fsr-3374	1017	6	mean	mean	VERB
fsr-3374	1017	7	standard	standard	ADJ
fsr-3374	1017	8	error	error	NOUN
fsr-3374	1017	9	savings	saving	NOUN
fsr-3374	1017	10	/	/	SYM
fsr-3374	1017	11	investment	investment	NOUN
fsr-3374	1017	12	0.3668	0.3668	NUM
fsr-3374	1017	13	0.0046	0.0046	NUM
fsr-3374	1017	14	0.1782	0.1782	NUM
fsr-3374	1017	15	0.0046	0.0046	NUM
fsr-3374	1017	16	*	*	PUNCT
fsr-3374	1017	17	*	*	PUNCT
fsr-3374	1017	18	*	*	PUNCT
fsr-3374	1017	19	mortgages	mortgage	NOUN
fsr-3374	1017	20	/	/	SYM
fsr-3374	1017	21	loans	loan	NOUN
fsr-3374	1018	1	0.2671	0.2671	NUM
fsr-3374	1018	2	0.0042	0.0042	NUM
fsr-3374	1018	3	0.1130	0.1130	NUM
fsr-3374	1018	4	0.0037	0.0037	NUM
fsr-3374	1018	5	*	*	PUNCT
fsr-3374	1018	6	*	*	PUNCT
fsr-3374	1018	7	*	*	PUNCT
fsr-3374	1018	8	insurance	insurance	NOUN
fsr-3374	1018	9	0.3533	0.3533	NUM
fsr-3374	1018	10	0.0045	0.0045	NUM
fsr-3374	1018	11	0.2338	0.2338	NUM
fsr-3374	1018	12	0.0050	0.0050	NUM
fsr-3374	1018	13	*	*	PUNCT
fsr-3374	1018	14	*	*	PUNCT
fsr-3374	1018	15	*	*	PUNCT
fsr-3374	1018	16	tax	tax	NOUN
fsr-3374	1018	17	planning	planning	NOUN
fsr-3374	1019	1	0.2386	0.2386	NUM
fsr-3374	1019	2	0.0041	0.0041	NUM
fsr-3374	1019	3	0.1028	0.1028	NUM
fsr-3374	1019	4	0.0036	0.0036	NUM
fsr-3374	1019	5	*	*	PUNCT
fsr-3374	1019	6	*	*	PUNCT
fsr-3374	1019	7	*	*	PUNCT
fsr-3374	1019	8	*	*	PUNCT
fsr-3374	1019	9	significance	significance	NOUN
fsr-3374	1019	10	at	at	ADP
fsr-3374	1019	11	10	10	NUM
fsr-3374	1019	12	%	%	NOUN
fsr-3374	1019	13	level	level	NOUN
fsr-3374	1019	14	;	;	PUNCT
fsr-3374	1019	15	*	*	PUNCT
fsr-3374	1019	16	*	*	NOUN
fsr-3374	1019	17	significance	significance	NOUN
fsr-3374	1019	18	at	at	ADP
fsr-3374	1019	19	5	5	NUM
fsr-3374	1019	20	%	%	NOUN
fsr-3374	1019	21	level	level	NOUN
fsr-3374	1019	22	;	;	PUNCT
fsr-3374	1019	23	*	*	PUNCT
fsr-3374	1019	24	*	*	PUNCT
fsr-3374	1019	25	*	*	NOUN
fsr-3374	1019	26	significance	significance	NOUN
fsr-3374	1019	27	at	at	ADP
fsr-3374	1019	28	1	1	NUM
fsr-3374	1019	29	%	%	NOUN
fsr-3374	1019	30	level	level	NOUN
fsr-3374	1019	31	.	.	PUNCT
fsr-3374	1020	1	421m.h	421m.h	NUM
fsr-3374	1020	2	.	.	PUNCT
fsr-3374	1021	1	alyousif	alyousif	PROPN
fsr-3374	1021	2	,	,	PUNCT
fsr-3374	1021	3	c.m	c.m	PROPN
fsr-3374	1021	4	.	.	PROPN
fsr-3374	1021	5	kalenkoski	kalenkoski	PROPN
fsr-3374	1021	6	/	/	SYM
fsr-3374	1021	7	financial	financial	ADJ
fsr-3374	1021	8	services	service	NOUN
fsr-3374	1021	9	review	review	VERB
fsr-3374	1021	10	26	26	NUM
fsr-3374	1021	11	(	(	PUNCT
fsr-3374	1021	12	2017	2017	NUM
fsr-3374	1021	13	)	)	PUNCT
fsr-3374	1022	1	405–432	405–432	NUM
fsr-3374	1022	2	7.1	7.1	NUM
fsr-3374	1022	3	.	.	PUNCT
fsr-3374	1023	1	subsample	subsample	ADJ
fsr-3374	1023	2	results	result	NOUN
fsr-3374	1023	3	:	:	PUNCT
fsr-3374	1023	4	females	female	NOUN
fsr-3374	1023	5	versus	versus	ADP
fsr-3374	1023	6	males	male	NOUN
fsr-3374	1023	7	the	the	DET
fsr-3374	1023	8	female	female	ADJ
fsr-3374	1023	9	variable	variable	NOUN
fsr-3374	1023	10	is	be	AUX
fsr-3374	1023	11	found	find	VERB
fsr-3374	1023	12	to	to	PART
fsr-3374	1023	13	be	be	AUX
fsr-3374	1023	14	significant	significant	ADJ
fsr-3374	1023	15	for	for	ADP
fsr-3374	1023	16	seeking	seek	VERB
fsr-3374	1023	17	financial	financial	ADJ
fsr-3374	1023	18	advice	advice	NOUN
fsr-3374	1023	19	about	about	ADP
fsr-3374	1023	20	savings/	savings/	NUM
fsr-3374	1023	21	investment	investment	NOUN
fsr-3374	1023	22	,	,	PUNCT
fsr-3374	1023	23	and	and	CCONJ
fsr-3374	1023	24	insurance	insurance	NOUN
fsr-3374	1023	25	only	only	ADV
fsr-3374	1023	26	.	.	PUNCT
fsr-3374	1024	1	the	the	DET
fsr-3374	1024	2	probit	probit	NOUN
fsr-3374	1024	3	regression	regression	NOUN
fsr-3374	1024	4	results	result	NOUN
fsr-3374	1024	5	for	for	ADP
fsr-3374	1024	6	the	the	DET
fsr-3374	1024	7	female	female	ADJ
fsr-3374	1024	8	subsample	subsample	NOUN
fsr-3374	1024	9	are	be	AUX
fsr-3374	1024	10	provided	provide	VERB
fsr-3374	1024	11	in	in	ADP
fsr-3374	1024	12	table	table	NOUN
fsr-3374	1024	13	10	10	NUM
fsr-3374	1024	14	.	.	PUNCT
fsr-3374	1025	1	income	income	NOUN
fsr-3374	1025	2	and	and	CCONJ
fsr-3374	1025	3	risk	risk	NOUN
fsr-3374	1025	4	tolerance	tolerance	NOUN
fsr-3374	1025	5	are	be	AUX
fsr-3374	1025	6	related	relate	VERB
fsr-3374	1025	7	positively	positively	ADV
fsr-3374	1025	8	,	,	PUNCT
fsr-3374	1025	9	while	while	SCONJ
fsr-3374	1025	10	a	a	DET
fsr-3374	1025	11	low	low	ADJ
fsr-3374	1025	12	perception	perception	NOUN
fsr-3374	1025	13	of	of	ADP
fsr-3374	1025	14	financial	financial	ADJ
fsr-3374	1025	15	knowledge	knowledge	NOUN
fsr-3374	1025	16	and	and	CCONJ
fsr-3374	1025	17	financial	financial	ADJ
fsr-3374	1025	18	fragility	fragility	NOUN
fsr-3374	1025	19	are	be	AUX
fsr-3374	1025	20	related	relate	VERB
fsr-3374	1025	21	negatively	negatively	ADV
fsr-3374	1025	22	to	to	ADP
fsr-3374	1025	23	seeking	seek	VERB
fsr-3374	1025	24	both	both	DET
fsr-3374	1025	25	types	type	NOUN
fsr-3374	1025	26	of	of	ADP
fsr-3374	1025	27	financial	financial	ADJ
fsr-3374	1025	28	advice	advice	NOUN
fsr-3374	1025	29	.	.	PUNCT
fsr-3374	1026	1	these	these	DET
fsr-3374	1026	2	findings	finding	NOUN
fsr-3374	1026	3	for	for	ADP
fsr-3374	1026	4	the	the	DET
fsr-3374	1026	5	female	female	ADJ
fsr-3374	1026	6	subsample	subsample	NOUN
fsr-3374	1026	7	are	be	AUX
fsr-3374	1026	8	identical	identical	ADJ
fsr-3374	1026	9	to	to	ADP
fsr-3374	1026	10	the	the	DET
fsr-3374	1026	11	findings	finding	NOUN
fsr-3374	1026	12	for	for	ADP
fsr-3374	1026	13	the	the	DET
fsr-3374	1026	14	male	male	ADJ
fsr-3374	1026	15	subsample	subsample	NOUN
fsr-3374	1026	16	in	in	ADP
fsr-3374	1026	17	table	table	NOUN
fsr-3374	1026	18	11	11	NUM
fsr-3374	1026	19	,	,	PUNCT
fsr-3374	1026	20	except	except	SCONJ
fsr-3374	1026	21	for	for	ADP
fsr-3374	1026	22	the	the	DET
fsr-3374	1026	23	effect	effect	NOUN
fsr-3374	1026	24	of	of	ADP
fsr-3374	1026	25	financial	financial	ADJ
fsr-3374	1026	26	knowledge	knowledge	NOUN
fsr-3374	1026	27	.	.	PUNCT
fsr-3374	1027	1	a	a	DET
fsr-3374	1027	2	low	low	ADJ
fsr-3374	1027	3	perception	perception	NOUN
fsr-3374	1027	4	of	of	ADP
fsr-3374	1027	5	financial	financial	ADJ
fsr-3374	1027	6	knowledge	knowledge	NOUN
fsr-3374	1027	7	has	have	VERB
fsr-3374	1027	8	a	a	DET
fsr-3374	1027	9	greater	great	ADJ
fsr-3374	1027	10	effect	effect	NOUN
fsr-3374	1027	11	on	on	ADP
fsr-3374	1027	12	the	the	DET
fsr-3374	1027	13	demand	demand	NOUN
fsr-3374	1027	14	for	for	ADP
fsr-3374	1027	15	financial	financial	ADJ
fsr-3374	1027	16	advice	advice	NOUN
fsr-3374	1027	17	for	for	ADP
fsr-3374	1027	18	females	female	NOUN
fsr-3374	1027	19	compared	compare	VERB
fsr-3374	1027	20	with	with	ADP
fsr-3374	1027	21	males	male	NOUN
fsr-3374	1027	22	.	.	PUNCT
fsr-3374	1028	1	therefore	therefore	ADV
fsr-3374	1028	2	,	,	PUNCT
fsr-3374	1028	3	the	the	DET
fsr-3374	1028	4	characteristics	characteristic	NOUN
fsr-3374	1028	5	that	that	PRON
fsr-3374	1028	6	influence	influence	VERB
fsr-3374	1028	7	the	the	DET
fsr-3374	1028	8	demand	demand	NOUN
fsr-3374	1028	9	for	for	ADP
fsr-3374	1028	10	financial	financial	ADJ
fsr-3374	1028	11	advice	advice	NOUN
fsr-3374	1028	12	for	for	ADP
fsr-3374	1028	13	females	female	NOUN
fsr-3374	1028	14	and	and	CCONJ
fsr-3374	1028	15	males	male	NOUN
fsr-3374	1028	16	appear	appear	VERB
fsr-3374	1028	17	to	to	PART
fsr-3374	1028	18	be	be	AUX
fsr-3374	1028	19	similar	similar	ADJ
fsr-3374	1028	20	and	and	CCONJ
fsr-3374	1028	21	gender	gender	NOUN
fsr-3374	1028	22	differences	difference	NOUN
fsr-3374	1028	23	do	do	AUX
fsr-3374	1028	24	not	not	PART
fsr-3374	1028	25	distinguish	distinguish	VERB
fsr-3374	1028	26	the	the	DET
fsr-3374	1028	27	consumption	consumption	NOUN
fsr-3374	1028	28	of	of	ADP
fsr-3374	1028	29	financial	financial	ADJ
fsr-3374	1028	30	advice	advice	NOUN
fsr-3374	1028	31	between	between	ADP
fsr-3374	1028	32	these	these	DET
fsr-3374	1028	33	two	two	NUM
fsr-3374	1028	34	groups	group	NOUN
fsr-3374	1028	35	.	.	PUNCT
fsr-3374	1029	1	7.2	7.2	NUM
fsr-3374	1029	2	.	.	PUNCT
fsr-3374	1029	3	subsample	subsample	ADJ
fsr-3374	1029	4	results	result	NOUN
fsr-3374	1029	5	:	:	PUNCT
fsr-3374	1029	6	young	young	ADJ
fsr-3374	1029	7	versus	versus	ADP
fsr-3374	1029	8	old	old	ADJ
fsr-3374	1029	9	the	the	DET
fsr-3374	1029	10	young	young	ADJ
fsr-3374	1029	11	(	(	PUNCT
fsr-3374	1029	12	aged	aged	ADJ
fsr-3374	1029	13	18–44)10	18–44)10	NUM
fsr-3374	1029	14	variable	variable	NOUN
fsr-3374	1029	15	is	be	AUX
fsr-3374	1029	16	found	find	VERB
fsr-3374	1029	17	to	to	PART
fsr-3374	1029	18	be	be	AUX
fsr-3374	1029	19	significant	significant	ADJ
fsr-3374	1029	20	for	for	ADP
fsr-3374	1029	21	seeking	seek	VERB
fsr-3374	1029	22	all	all	DET
fsr-3374	1029	23	types	type	NOUN
fsr-3374	1029	24	of	of	ADP
fsr-3374	1029	25	financial	financial	ADJ
fsr-3374	1029	26	advice	advice	NOUN
fsr-3374	1029	27	,	,	PUNCT
fsr-3374	1029	28	except	except	SCONJ
fsr-3374	1029	29	savings	saving	NOUN
fsr-3374	1029	30	/	/	SYM
fsr-3374	1029	31	investment	investment	NOUN
fsr-3374	1029	32	.	.	PUNCT
fsr-3374	1030	1	table	table	NOUN
fsr-3374	1030	2	12	12	NUM
fsr-3374	1030	3	reports	report	NOUN
fsr-3374	1030	4	the	the	DET
fsr-3374	1030	5	estimates	estimate	NOUN
fsr-3374	1030	6	of	of	ADP
fsr-3374	1030	7	four	four	NUM
fsr-3374	1030	8	probit	probit	NOUN
fsr-3374	1030	9	regression	regression	NOUN
fsr-3374	1030	10	models	model	NOUN
fsr-3374	1030	11	for	for	ADP
fsr-3374	1030	12	the	the	DET
fsr-3374	1030	13	young	young	ADJ
fsr-3374	1030	14	subsample	subsample	NOUN
fsr-3374	1030	15	.	.	PUNCT
fsr-3374	1031	1	income	income	NOUN
fsr-3374	1031	2	and	and	CCONJ
fsr-3374	1031	3	risk	risk	NOUN
fsr-3374	1031	4	tolerance	tolerance	NOUN
fsr-3374	1031	5	are	be	AUX
fsr-3374	1031	6	related	relate	VERB
fsr-3374	1031	7	positively	positively	ADV
fsr-3374	1031	8	to	to	ADP
fsr-3374	1031	9	seeking	seek	VERB
fsr-3374	1031	10	all	all	DET
fsr-3374	1031	11	types	type	NOUN
fsr-3374	1031	12	of	of	ADP
fsr-3374	1031	13	financial	financial	ADJ
fsr-3374	1031	14	advice	advice	NOUN
fsr-3374	1031	15	.	.	PUNCT
fsr-3374	1032	1	a	a	DET
fsr-3374	1032	2	low	low	ADJ
fsr-3374	1032	3	perception	perception	NOUN
fsr-3374	1032	4	of	of	ADP
fsr-3374	1032	5	financial	financial	ADJ
fsr-3374	1032	6	knowledge	knowledge	NOUN
fsr-3374	1032	7	decreases	decrease	VERB
fsr-3374	1032	8	the	the	DET
fsr-3374	1032	9	probability	probability	NOUN
fsr-3374	1032	10	of	of	ADP
fsr-3374	1032	11	seeking	seek	VERB
fsr-3374	1032	12	financial	financial	ADJ
fsr-3374	1032	13	advice	advice	NOUN
fsr-3374	1032	14	about	about	ADP
fsr-3374	1032	15	mortgages	mortgage	NOUN
fsr-3374	1032	16	/	/	SYM
fsr-3374	1032	17	loans	loan	NOUN
fsr-3374	1032	18	,	,	PUNCT
fsr-3374	1032	19	insurance	insurance	NOUN
fsr-3374	1032	20	,	,	PUNCT
fsr-3374	1032	21	and	and	CCONJ
fsr-3374	1032	22	tax	tax	NOUN
fsr-3374	1032	23	planning	planning	NOUN
fsr-3374	1032	24	,	,	PUNCT
fsr-3374	1032	25	while	while	SCONJ
fsr-3374	1032	26	financial	financial	ADJ
fsr-3374	1032	27	fragility	fragility	NOUN
fsr-3374	1032	28	is	be	AUX
fsr-3374	1032	29	related	relate	VERB
fsr-3374	1032	30	positively	positively	ADV
fsr-3374	1032	31	to	to	ADP
fsr-3374	1032	32	seeking	seek	VERB
fsr-3374	1032	33	debt	debt	NOUN
fsr-3374	1032	34	counseling	counseling	NOUN
fsr-3374	1032	35	and	and	CCONJ
fsr-3374	1032	36	negatively	negatively	ADV
fsr-3374	1032	37	to	to	ADP
fsr-3374	1032	38	seeking	seek	VERB
fsr-3374	1032	39	advice	advice	NOUN
fsr-3374	1032	40	about	about	ADP
fsr-3374	1032	41	insurance	insurance	NOUN
fsr-3374	1032	42	and	and	CCONJ
fsr-3374	1032	43	tax	tax	NOUN
fsr-3374	1032	44	planning	planning	NOUN
fsr-3374	1032	45	.	.	PUNCT
fsr-3374	1033	1	these	these	DET
fsr-3374	1033	2	findings	finding	NOUN
fsr-3374	1033	3	are	be	AUX
fsr-3374	1033	4	similar	similar	ADJ
fsr-3374	1033	5	to	to	ADP
fsr-3374	1033	6	those	those	PRON
fsr-3374	1033	7	for	for	ADP
fsr-3374	1033	8	the	the	DET
fsr-3374	1033	9	old	old	ADJ
fsr-3374	1033	10	group	group	NOUN
fsr-3374	1033	11	in	in	ADP
fsr-3374	1033	12	table	table	NOUN
fsr-3374	1033	13	13	13	NUM
fsr-3374	1033	14	,	,	PUNCT
fsr-3374	1033	15	except	except	SCONJ
fsr-3374	1033	16	for	for	ADP
fsr-3374	1033	17	the	the	DET
fsr-3374	1033	18	low	low	ADJ
fsr-3374	1033	19	perception	perception	NOUN
fsr-3374	1033	20	of	of	ADP
fsr-3374	1033	21	financial	financial	ADJ
fsr-3374	1033	22	knowledge	knowledge	NOUN
fsr-3374	1033	23	,	,	PUNCT
fsr-3374	1033	24	which	which	PRON
fsr-3374	1033	25	does	do	AUX
fsr-3374	1033	26	not	not	PART
fsr-3374	1033	27	appear	appear	VERB
fsr-3374	1033	28	as	as	ADP
fsr-3374	1033	29	significant	significant	ADJ
fsr-3374	1033	30	for	for	ADP
fsr-3374	1033	31	the	the	DET
fsr-3374	1033	32	old	old	ADJ
fsr-3374	1033	33	compared	compare	VERB
fsr-3374	1033	34	with	with	ADP
fsr-3374	1033	35	the	the	DET
fsr-3374	1033	36	young	young	ADJ
fsr-3374	1033	37	subsample	subsample	NOUN
fsr-3374	1033	38	.	.	PUNCT
fsr-3374	1034	1	age	age	NOUN
fsr-3374	1034	2	classification	classification	NOUN
fsr-3374	1034	3	does	do	AUX
fsr-3374	1034	4	not	not	PART
fsr-3374	1034	5	explain	explain	VERB
fsr-3374	1034	6	the	the	DET
fsr-3374	1034	7	consumption	consumption	NOUN
fsr-3374	1034	8	of	of	ADP
fsr-3374	1034	9	financial	financial	ADJ
fsr-3374	1034	10	advice	advice	NOUN
fsr-3374	1034	11	.	.	PUNCT
fsr-3374	1035	1	7.3	7.3	NUM
fsr-3374	1035	2	.	.	PUNCT
fsr-3374	1036	1	subsample	subsample	ADJ
fsr-3374	1036	2	results	result	NOUN
fsr-3374	1036	3	:	:	PUNCT
fsr-3374	1036	4	financially	financially	ADV
fsr-3374	1036	5	illiterate	illiterate	ADJ
fsr-3374	1036	6	versus	versus	ADP
fsr-3374	1036	7	financially	financially	ADV
fsr-3374	1036	8	literate	literate	ADJ
fsr-3374	1036	9	the	the	DET
fsr-3374	1036	10	financially	financially	ADV
fsr-3374	1036	11	illiterate	illiterate	ADJ
fsr-3374	1036	12	variable	variable	NOUN
fsr-3374	1036	13	is	be	AUX
fsr-3374	1036	14	found	find	VERB
fsr-3374	1036	15	to	to	PART
fsr-3374	1036	16	be	be	AUX
fsr-3374	1036	17	significant	significant	ADJ
fsr-3374	1036	18	for	for	ADP
fsr-3374	1036	19	seeking	seek	VERB
fsr-3374	1036	20	all	all	DET
fsr-3374	1036	21	types	type	NOUN
fsr-3374	1036	22	of	of	ADP
fsr-3374	1036	23	financial	financial	ADJ
fsr-3374	1036	24	advice	advice	NOUN
fsr-3374	1036	25	except	except	SCONJ
fsr-3374	1036	26	insurance	insurance	NOUN
fsr-3374	1036	27	.	.	PUNCT
fsr-3374	1037	1	table	table	NOUN
fsr-3374	1037	2	14	14	NUM
fsr-3374	1037	3	provides	provide	VERB
fsr-3374	1037	4	the	the	DET
fsr-3374	1037	5	estimates	estimate	NOUN
fsr-3374	1037	6	of	of	ADP
fsr-3374	1037	7	four	four	NUM
fsr-3374	1037	8	probit	probit	NOUN
fsr-3374	1037	9	regression	regression	NOUN
fsr-3374	1037	10	models	model	NOUN
fsr-3374	1037	11	for	for	ADP
fsr-3374	1037	12	the	the	DET
fsr-3374	1037	13	financially	financially	ADV
fsr-3374	1037	14	illiterate	illiterate	ADJ
fsr-3374	1037	15	subsample	subsample	NOUN
fsr-3374	1037	16	.	.	PUNCT
fsr-3374	1038	1	income	income	NOUN
fsr-3374	1038	2	and	and	CCONJ
fsr-3374	1038	3	risk	risk	NOUN
fsr-3374	1038	4	tolerance	tolerance	NOUN
fsr-3374	1038	5	are	be	AUX
fsr-3374	1038	6	related	relate	VERB
fsr-3374	1038	7	positively	positively	ADV
fsr-3374	1038	8	to	to	ADP
fsr-3374	1038	9	seeking	seek	VERB
fsr-3374	1038	10	the	the	DET
fsr-3374	1038	11	four	four	NUM
fsr-3374	1038	12	types	type	NOUN
fsr-3374	1038	13	of	of	ADP
fsr-3374	1038	14	financial	financial	ADJ
fsr-3374	1038	15	advice	advice	NOUN
fsr-3374	1038	16	.	.	PUNCT
fsr-3374	1039	1	a	a	DET
fsr-3374	1039	2	low	low	ADJ
fsr-3374	1039	3	perception	perception	NOUN
fsr-3374	1039	4	of	of	ADP
fsr-3374	1039	5	financial	financial	ADJ
fsr-3374	1039	6	knowledge	knowledge	NOUN
fsr-3374	1039	7	is	be	AUX
fsr-3374	1039	8	related	relate	VERB
fsr-3374	1039	9	negatively	negatively	ADV
fsr-3374	1039	10	to	to	ADP
fsr-3374	1039	11	seeking	seek	VERB
fsr-3374	1039	12	advice	advice	NOUN
fsr-3374	1039	13	about	about	ADP
fsr-3374	1039	14	mortgages	mortgage	NOUN
fsr-3374	1039	15	/	/	SYM
fsr-3374	1039	16	loans	loan	NOUN
fsr-3374	1039	17	and	and	CCONJ
fsr-3374	1039	18	tax	tax	NOUN
fsr-3374	1039	19	planning	planning	NOUN
fsr-3374	1039	20	and	and	CCONJ
fsr-3374	1039	21	appears	appear	VERB
fsr-3374	1039	22	to	to	PART
fsr-3374	1039	23	have	have	VERB
fsr-3374	1039	24	no	no	DET
fsr-3374	1039	25	significance	significance	NOUN
fsr-3374	1039	26	on	on	ADP
fsr-3374	1039	27	seeking	seek	VERB
fsr-3374	1039	28	advice	advice	NOUN
fsr-3374	1039	29	about	about	ADP
fsr-3374	1039	30	debt	debt	NOUN
fsr-3374	1039	31	and	and	CCONJ
fsr-3374	1039	32	savings/	savings/	NUM
fsr-3374	1039	33	investment	investment	NOUN
fsr-3374	1039	34	.	.	PUNCT
fsr-3374	1040	1	while	while	SCONJ
fsr-3374	1040	2	financial	financial	ADJ
fsr-3374	1040	3	fragility	fragility	NOUN
fsr-3374	1040	4	increases	increase	VERB
fsr-3374	1040	5	the	the	DET
fsr-3374	1040	6	probability	probability	NOUN
fsr-3374	1040	7	of	of	ADP
fsr-3374	1040	8	seeking	seek	VERB
fsr-3374	1040	9	debt	debt	NOUN
fsr-3374	1040	10	counseling	counseling	NOUN
fsr-3374	1040	11	,	,	PUNCT
fsr-3374	1040	12	it	it	PRON
fsr-3374	1040	13	decreases	decrease	VERB
fsr-3374	1040	14	the	the	DET
fsr-3374	1040	15	probability	probability	NOUN
fsr-3374	1040	16	of	of	ADP
fsr-3374	1040	17	seeking	seek	VERB
fsr-3374	1040	18	advice	advice	NOUN
fsr-3374	1040	19	about	about	ADP
fsr-3374	1040	20	savings	saving	NOUN
fsr-3374	1040	21	/	/	SYM
fsr-3374	1040	22	investment	investment	NOUN
fsr-3374	1040	23	and	and	CCONJ
fsr-3374	1040	24	tax	tax	NOUN
fsr-3374	1040	25	table	table	NOUN
fsr-3374	1040	26	9	9	NUM
fsr-3374	1040	27	t	t	NOUN
fsr-3374	1040	28	-	-	PUNCT
fsr-3374	1040	29	test	test	NOUN
fsr-3374	1040	30	of	of	ADP
fsr-3374	1040	31	means	mean	NOUN
fsr-3374	1040	32	for	for	ADP
fsr-3374	1040	33	financial	financial	ADJ
fsr-3374	1040	34	advice	advice	NOUN
fsr-3374	1040	35	(	(	PUNCT
fsr-3374	1040	36	bankruptcy	bankruptcy	NOUN
fsr-3374	1040	37	)	)	PUNCT
fsr-3374	1040	38	type	type	NOUN
fsr-3374	1040	39	of	of	ADP
fsr-3374	1040	40	advice	advice	NOUN
fsr-3374	1040	41	bankrupt	bankrupt	ADJ
fsr-3374	1040	42	no	no	DET
fsr-3374	1040	43	bankruptcy	bankruptcy	NOUN
fsr-3374	1040	44	mean	mean	VERB
fsr-3374	1040	45	standard	standard	ADJ
fsr-3374	1040	46	error	error	NOUN
fsr-3374	1040	47	mean	mean	VERB
fsr-3374	1040	48	standard	standard	ADJ
fsr-3374	1040	49	error	error	NOUN
fsr-3374	1040	50	debt	debt	NOUN
fsr-3374	1040	51	counseling	counsel	VERB
fsr-3374	1040	52	0.4873	0.4873	NUM
fsr-3374	1040	53	0.0208	0.0208	NUM
fsr-3374	1040	54	0.0760	0.0760	NUM
fsr-3374	1040	55	0.0021	0.0021	NUM
fsr-3374	1040	56	*	*	PUNCT
fsr-3374	1040	57	*	*	PUNCT
fsr-3374	1040	58	*	*	PUNCT
fsr-3374	1040	59	*	*	PUNCT
fsr-3374	1040	60	significance	significance	NOUN
fsr-3374	1040	61	at	at	ADP
fsr-3374	1040	62	10	10	NUM
fsr-3374	1040	63	%	%	NOUN
fsr-3374	1040	64	level	level	NOUN
fsr-3374	1040	65	;	;	PUNCT
fsr-3374	1040	66	*	*	PUNCT
fsr-3374	1040	67	*	*	NOUN
fsr-3374	1040	68	significance	significance	NOUN
fsr-3374	1040	69	at	at	ADP
fsr-3374	1040	70	5	5	NUM
fsr-3374	1040	71	%	%	NOUN
fsr-3374	1040	72	level	level	NOUN
fsr-3374	1040	73	;	;	PUNCT
fsr-3374	1040	74	*	*	PUNCT
fsr-3374	1040	75	*	*	PUNCT
fsr-3374	1040	76	*	*	NOUN
fsr-3374	1040	77	significance	significance	NOUN
fsr-3374	1040	78	at	at	ADP
fsr-3374	1040	79	1	1	NUM
fsr-3374	1040	80	%	%	NOUN
fsr-3374	1040	81	level	level	NOUN
fsr-3374	1040	82	.	.	PUNCT
fsr-3374	1041	1	422	422	NUM
fsr-3374	1041	2	m.h	m.h	PROPN
fsr-3374	1041	3	.	.	PROPN
fsr-3374	1041	4	alyousif	alyousif	PROPN
fsr-3374	1041	5	,	,	PUNCT
fsr-3374	1041	6	c.m	c.m	PROPN
fsr-3374	1041	7	.	.	PROPN
fsr-3374	1041	8	kalenkoski	kalenkoski	PROPN
fsr-3374	1041	9	/	/	SYM
fsr-3374	1041	10	financial	financial	ADJ
fsr-3374	1041	11	services	service	NOUN
fsr-3374	1041	12	review	review	VERB
fsr-3374	1041	13	26	26	NUM
fsr-3374	1041	14	(	(	PUNCT
fsr-3374	1041	15	2017	2017	NUM
fsr-3374	1041	16	)	)	PUNCT
fsr-3374	1042	1	405–432	405–432	NUM
fsr-3374	1042	2	planning	planning	NOUN
fsr-3374	1042	3	.	.	PUNCT
fsr-3374	1043	1	these	these	DET
fsr-3374	1043	2	findings	finding	NOUN
fsr-3374	1043	3	are	be	AUX
fsr-3374	1043	4	similar	similar	ADJ
fsr-3374	1043	5	to	to	ADP
fsr-3374	1043	6	the	the	DET
fsr-3374	1043	7	results	result	NOUN
fsr-3374	1043	8	for	for	ADP
fsr-3374	1043	9	the	the	DET
fsr-3374	1043	10	financially	financially	ADV
fsr-3374	1043	11	literate	literate	ADJ
fsr-3374	1043	12	subsample	subsample	NOUN
fsr-3374	1043	13	in	in	ADP
fsr-3374	1043	14	table	table	NOUN
fsr-3374	1043	15	15	15	NUM
fsr-3374	1043	16	.	.	PUNCT
fsr-3374	1044	1	therefore	therefore	ADV
fsr-3374	1044	2	,	,	PUNCT
fsr-3374	1044	3	the	the	DET
fsr-3374	1044	4	factors	factor	NOUN
fsr-3374	1044	5	affecting	affect	VERB
fsr-3374	1044	6	the	the	DET
fsr-3374	1044	7	demand	demand	NOUN
fsr-3374	1044	8	for	for	ADP
fsr-3374	1044	9	financial	financial	ADJ
fsr-3374	1044	10	advice	advice	NOUN
fsr-3374	1044	11	show	show	VERB
fsr-3374	1044	12	no	no	DET
fsr-3374	1044	13	significant	significant	ADJ
fsr-3374	1044	14	differences	difference	NOUN
fsr-3374	1044	15	based	base	VERB
fsr-3374	1044	16	on	on	ADP
fsr-3374	1044	17	the	the	DET
fsr-3374	1044	18	financial	financial	ADJ
fsr-3374	1044	19	literacy	literacy	NOUN
fsr-3374	1044	20	level	level	NOUN
fsr-3374	1044	21	only	only	ADV
fsr-3374	1044	22	.	.	PUNCT
fsr-3374	1045	1	8	8	X
fsr-3374	1045	2	.	.	X
fsr-3374	1045	3	conclusion	conclusion	NOUN
fsr-3374	1045	4	this	this	DET
fsr-3374	1045	5	article	article	NOUN
fsr-3374	1045	6	uses	use	VERB
fsr-3374	1045	7	the	the	DET
fsr-3374	1045	8	2012	2012	NUM
fsr-3374	1045	9	nfcs	nfc	NOUN
fsr-3374	1045	10	to	to	PART
fsr-3374	1045	11	investigate	investigate	VERB
fsr-3374	1045	12	the	the	DET
fsr-3374	1045	13	correlates	correlate	NOUN
fsr-3374	1045	14	of	of	ADP
fsr-3374	1045	15	seeking	seek	VERB
fsr-3374	1045	16	five	five	NUM
fsr-3374	1045	17	types	type	NOUN
fsr-3374	1045	18	of	of	ADP
fsr-3374	1045	19	financial	financial	ADJ
fsr-3374	1045	20	advice	advice	NOUN
fsr-3374	1045	21	:	:	PUNCT
fsr-3374	1045	22	debt	debt	NOUN
fsr-3374	1045	23	counseling	counseling	NOUN
fsr-3374	1045	24	,	,	PUNCT
fsr-3374	1045	25	savings	saving	NOUN
fsr-3374	1045	26	/	/	SYM
fsr-3374	1045	27	investment	investment	NOUN
fsr-3374	1045	28	,	,	PUNCT
fsr-3374	1045	29	mortgages	mortgage	NOUN
fsr-3374	1045	30	/	/	SYM
fsr-3374	1045	31	loans	loan	NOUN
fsr-3374	1045	32	,	,	PUNCT
fsr-3374	1045	33	insurance	insurance	NOUN
fsr-3374	1045	34	,	,	PUNCT
fsr-3374	1045	35	and	and	CCONJ
fsr-3374	1045	36	tax	tax	NOUN
fsr-3374	1045	37	table	table	NOUN
fsr-3374	1045	38	10	10	NUM
fsr-3374	1045	39	financial	financial	ADJ
fsr-3374	1045	40	advice	advice	NOUN
fsr-3374	1045	41	probit	probit	NOUN
fsr-3374	1045	42	(	(	PUNCT
fsr-3374	1045	43	female	female	NOUN
fsr-3374	1045	44	)	)	PUNCT
fsr-3374	1045	45	independent	independent	ADJ
fsr-3374	1045	46	variables	variable	NOUN
fsr-3374	1045	47	savings	saving	NOUN
fsr-3374	1045	48	/	/	SYM
fsr-3374	1045	49	investment	investment	NOUN
fsr-3374	1045	50	insurance	insurance	NOUN
fsr-3374	1045	51	marg	marg	NOUN
fsr-3374	1045	52	.	.	PUNCT
fsr-3374	1046	1	effects	effect	NOUN
fsr-3374	1046	2	(	(	PUNCT
fsr-3374	1046	3	se	se	X
fsr-3374	1046	4	)	)	PUNCT
fsr-3374	1046	5	marg	marg	NOUN
fsr-3374	1046	6	.	.	PUNCT
fsr-3374	1047	1	effects	effect	NOUN
fsr-3374	1047	2	(	(	PUNCT
fsr-3374	1047	3	se	se	ADJ
fsr-3374	1047	4	)	)	PUNCT
fsr-3374	1047	5	race	race	NOUN
fsr-3374	1047	6	(	(	PUNCT
fsr-3374	1047	7	non	non	ADJ
fsr-3374	1047	8	-	-	ADJ
fsr-3374	1047	9	white	white	ADJ
fsr-3374	1047	10	)	)	PUNCT
fsr-3374	1047	11	white	white	PROPN
fsr-3374	1047	12	�	�	PROPN
fsr-3374	1047	13	0.0024	0.0024	NUM
fsr-3374	1047	14	0.0096	0.0096	NUM
fsr-3374	1047	15	�	�	NOUN
fsr-3374	1047	16	0.0101	0.0101	NUM
fsr-3374	1047	17	0.0103	0.0103	NUM
fsr-3374	1047	18	age	age	NOUN
fsr-3374	1047	19	(	(	PUNCT
fsr-3374	1047	20	65	65	NUM
fsr-3374	1047	21	�	�	PROPN
fsr-3374	1047	22	)	)	PUNCT
fsr-3374	1047	23	18–24	18–24	NUM
fsr-3374	1047	24	�	�	ADP
fsr-3374	1047	25	0.0375	0.0375	NUM
fsr-3374	1047	26	0.0184	0.0184	NUM
fsr-3374	1047	27	*	*	PUNCT
fsr-3374	1047	28	*	*	PUNCT
fsr-3374	1047	29	0.0049	0.0049	NUM
fsr-3374	1047	30	0.0210	0.0210	NUM
fsr-3374	1047	31	25–34	25–34	NUM
fsr-3374	1047	32	�	�	NOUN
fsr-3374	1047	33	0.1167	0.1167	NUM
fsr-3374	1047	34	0.0170	0.0170	NUM
fsr-3374	1047	35	*	*	PUNCT
fsr-3374	1047	36	*	*	PUNCT
fsr-3374	1047	37	*	*	PUNCT
fsr-3374	1047	38	�	�	PROPN
fsr-3374	1047	39	0.0246	0.0246	NUM
fsr-3374	1047	40	0.0191	0.0191	NUM
fsr-3374	1047	41	35–44	35–44	NUM
fsr-3374	1047	42	�	�	NOUN
fsr-3374	1047	43	0.1710	0.1710	NUM
fsr-3374	1047	44	0.0167	0.0167	NUM
fsr-3374	1047	45	*	*	PUNCT
fsr-3374	1047	46	*	*	PUNCT
fsr-3374	1047	47	*	*	PUNCT
fsr-3374	1047	48	�	�	PROPN
fsr-3374	1047	49	0.0269	0.0269	NUM
fsr-3374	1047	50	0.0186	0.0186	NUM
fsr-3374	1047	51	45–54	45–54	NUM
fsr-3374	1047	52	�	�	NOUN
fsr-3374	1047	53	0.1207	0.1207	NUM
fsr-3374	1047	54	0.0145	0.0145	NUM
fsr-3374	1047	55	*	*	PUNCT
fsr-3374	1047	56	*	*	PUNCT
fsr-3374	1047	57	*	*	PUNCT
fsr-3374	1047	58	�	�	PROPN
fsr-3374	1047	59	0.0160	0.0160	NUM
fsr-3374	1047	60	0.0166	0.0166	NUM
fsr-3374	1047	61	55–64	55–64	NUM
fsr-3374	1047	62	�	�	NOUN
fsr-3374	1047	63	0.0570	0.0570	NUM
fsr-3374	1047	64	0.0134	0.0134	NUM
fsr-3374	1047	65	*	*	PUNCT
fsr-3374	1047	66	*	*	PUNCT
fsr-3374	1047	67	*	*	PUNCT
fsr-3374	1047	68	0.0052	0.0052	NUM
fsr-3374	1047	69	0.0156	0.0156	NUM
fsr-3374	1047	70	education	education	NOUN
fsr-3374	1047	71	level	level	NOUN
fsr-3374	1047	72	(	(	PUNCT
fsr-3374	1047	73	college	college	NOUN
fsr-3374	1047	74	or	or	CCONJ
fsr-3374	1047	75	more	more	ADJ
fsr-3374	1047	76	)	)	PUNCT
fsr-3374	1047	77	high	high	ADJ
fsr-3374	1047	78	school	school	NOUN
fsr-3374	1047	79	or	or	CCONJ
fsr-3374	1047	80	less	less	ADJ
fsr-3374	1047	81	�	�	NOUN
fsr-3374	1047	82	0.1095	0.1095	NUM
fsr-3374	1047	83	0.0113	0.0113	NUM
fsr-3374	1047	84	*	*	PUNCT
fsr-3374	1047	85	*	*	PUNCT
fsr-3374	1047	86	*	*	PUNCT
fsr-3374	1047	87	�	�	PROPN
fsr-3374	1047	88	0.0786	0.0786	NUM
fsr-3374	1047	89	0.0125	0.0125	NUM
fsr-3374	1047	90	*	*	PUNCT
fsr-3374	1048	1	*	*	PUNCT
fsr-3374	1048	2	*	*	PUNCT
fsr-3374	1048	3	some	some	DET
fsr-3374	1048	4	college	college	NOUN
fsr-3374	1048	5	�	�	NOUN
fsr-3374	1048	6	0.0429	0.0429	NUM
fsr-3374	1048	7	0.0105	0.0105	NUM
fsr-3374	1048	8	*	*	PUNCT
fsr-3374	1048	9	*	*	PUNCT
fsr-3374	1048	10	*	*	PUNCT
fsr-3374	1048	11	�	�	PROPN
fsr-3374	1048	12	0.0023	0.0023	NUM
fsr-3374	1048	13	0.0116	0.0116	NUM
fsr-3374	1048	14	marital	marital	ADJ
fsr-3374	1048	15	status	status	NOUN
fsr-3374	1048	16	(	(	PUNCT
fsr-3374	1048	17	married	married	ADJ
fsr-3374	1048	18	)	)	PUNCT
fsr-3374	1048	19	living	live	VERB
fsr-3374	1048	20	with	with	ADP
fsr-3374	1048	21	a	a	DET
fsr-3374	1048	22	partner	partner	NOUN
fsr-3374	1048	23	0.0224	0.0224	NUM
fsr-3374	1048	24	0.0164	0.0164	NUM
fsr-3374	1048	25	�	�	NOUN
fsr-3374	1048	26	0.0122	0.0122	NUM
fsr-3374	1048	27	0.0171	0.0171	NUM
fsr-3374	1048	28	single	single	ADJ
fsr-3374	1048	29	0.0218	0.0218	NUM
fsr-3374	1048	30	0.0106	0.0106	NUM
fsr-3374	1048	31	*	*	PUNCT
fsr-3374	1048	32	*	*	PUNCT
fsr-3374	1048	33	�	�	PROPN
fsr-3374	1048	34	0.0002	0.0002	NUM
fsr-3374	1048	35	0.0114	0.0114	NUM
fsr-3374	1048	36	number	number	NOUN
fsr-3374	1048	37	of	of	ADP
fsr-3374	1048	38	children	child	NOUN
fsr-3374	1048	39	(	(	PUNCT
fsr-3374	1048	40	no	no	DET
fsr-3374	1048	41	children	child	NOUN
fsr-3374	1048	42	)	)	PUNCT
fsr-3374	1048	43	one	one	NUM
fsr-3374	1048	44	child	child	NOUN
fsr-3374	1048	45	0.0175	0.0175	NUM
fsr-3374	1048	46	0.0133	0.0133	NUM
fsr-3374	1048	47	0.0570	0.0570	NUM
fsr-3374	1048	48	0.0141	0.0141	NUM
fsr-3374	1048	49	*	*	PUNCT
fsr-3374	1048	50	*	*	PUNCT
fsr-3374	1048	51	*	*	PUNCT
fsr-3374	1048	52	two	two	NUM
fsr-3374	1048	53	children	child	NOUN
fsr-3374	1048	54	0.0232	0.0232	NUM
fsr-3374	1048	55	0.0151	0.0151	NUM
fsr-3374	1048	56	0.0674	0.0674	NUM
fsr-3374	1048	57	0.0157	0.0157	NUM
fsr-3374	1048	58	*	*	PUNCT
fsr-3374	1048	59	*	*	PUNCT
fsr-3374	1048	60	*	*	PUNCT
fsr-3374	1048	61	three	three	NUM
fsr-3374	1048	62	children	child	NOUN
fsr-3374	1048	63	�	�	NUM
fsr-3374	1048	64	0.0093	0.0093	NUM
fsr-3374	1048	65	0.0204	0.0204	NUM
fsr-3374	1048	66	0.0493	0.0493	NUM
fsr-3374	1048	67	0.0206	0.0206	NUM
fsr-3374	1048	68	*	*	PUNCT
fsr-3374	1048	69	*	*	PUNCT
fsr-3374	1048	70	four	four	NUM
fsr-3374	1048	71	children	child	NOUN
fsr-3374	1048	72	or	or	CCONJ
fsr-3374	1048	73	more	more	ADJ
fsr-3374	1048	74	0.0711	0.0711	NUM
fsr-3374	1048	75	0.0240	0.0240	NUM
fsr-3374	1048	76	*	*	PUNCT
fsr-3374	1048	77	*	*	PUNCT
fsr-3374	1048	78	*	*	PUNCT
fsr-3374	1049	1	0.0804	0.0804	NUM
fsr-3374	1049	2	0.0248	0.0248	NUM
fsr-3374	1049	3	*	*	PUNCT
fsr-3374	1050	1	*	*	PUNCT
fsr-3374	1050	2	*	*	PUNCT
fsr-3374	1050	3	no	no	DET
fsr-3374	1050	4	financially	financially	ADV
fsr-3374	1050	5	dependent	dependent	ADJ
fsr-3374	1050	6	children	child	NOUN
fsr-3374	1050	7	�	�	PROPN
fsr-3374	1050	8	0.0035	0.0035	NUM
fsr-3374	1050	9	0.0126	0.0126	NUM
fsr-3374	1050	10	0.0176	0.0176	NUM
fsr-3374	1050	11	0.0141	0.0141	NUM
fsr-3374	1050	12	annual	annual	ADJ
fsr-3374	1050	13	income	income	NOUN
fsr-3374	1050	14	(	(	PUNCT
fsr-3374	1050	15	less	less	ADJ
fsr-3374	1050	16	than	than	ADP
fsr-3374	1050	17	$	$	SYM
fsr-3374	1050	18	15,000	15,000	NUM
fsr-3374	1050	19	)	)	PUNCT
fsr-3374	1050	20	$	$	SYM
fsr-3374	1050	21	15,000	15,000	NUM
fsr-3374	1050	22	to	to	PART
fsr-3374	1050	23	less	less	ADJ
fsr-3374	1050	24	than	than	ADP
fsr-3374	1050	25	$	$	SYM
fsr-3374	1050	26	25,000	25,000	NUM
fsr-3374	1050	27	0.0302	0.0302	NUM
fsr-3374	1050	28	0.0181	0.0181	NUM
fsr-3374	1050	29	*	*	PUNCT
fsr-3374	1051	1	0.0819	0.0819	NUM
fsr-3374	1051	2	0.0183	0.0183	NUM
fsr-3374	1051	3	*	*	PUNCT
fsr-3374	1052	1	*	*	PUNCT
fsr-3374	1052	2	*	*	PUNCT
fsr-3374	1052	3	$	$	SYM
fsr-3374	1052	4	25,000	25,000	NUM
fsr-3374	1052	5	to	to	PART
fsr-3374	1052	6	less	less	ADJ
fsr-3374	1052	7	than	than	ADP
fsr-3374	1052	8	$	$	SYM
fsr-3374	1052	9	35,000	35,000	NUM
fsr-3374	1052	10	0.0610	0.0610	NUM
fsr-3374	1052	11	0.0186	0.0186	NUM
fsr-3374	1052	12	*	*	PUNCT
fsr-3374	1052	13	*	*	PUNCT
fsr-3374	1052	14	*	*	PUNCT
fsr-3374	1052	15	0.0909	0.0909	NUM
fsr-3374	1052	16	0.0187	0.0187	NUM
fsr-3374	1052	17	*	*	PUNCT
fsr-3374	1052	18	*	*	PUNCT
fsr-3374	1052	19	*	*	PUNCT
fsr-3374	1052	20	$	$	SYM
fsr-3374	1052	21	35,000	35,000	NUM
fsr-3374	1052	22	to	to	PART
fsr-3374	1052	23	less	less	ADJ
fsr-3374	1052	24	than	than	ADP
fsr-3374	1052	25	$	$	SYM
fsr-3374	1052	26	50,000	50,000	NUM
fsr-3374	1052	27	0.0758	0.0758	NUM
fsr-3374	1052	28	0.0177	0.0177	NUM
fsr-3374	1052	29	*	*	PUNCT
fsr-3374	1052	30	*	*	PUNCT
fsr-3374	1052	31	*	*	PUNCT
fsr-3374	1052	32	0.0996	0.0996	NUM
fsr-3374	1052	33	0.0185	0.0185	NUM
fsr-3374	1052	34	*	*	PUNCT
fsr-3374	1052	35	*	*	PUNCT
fsr-3374	1052	36	*	*	PUNCT
fsr-3374	1052	37	$	$	SYM
fsr-3374	1052	38	50,000	50,000	NUM
fsr-3374	1052	39	to	to	PART
fsr-3374	1052	40	less	less	ADJ
fsr-3374	1052	41	than	than	ADP
fsr-3374	1052	42	$	$	SYM
fsr-3374	1052	43	75,000	75,000	NUM
fsr-3374	1052	44	0.1137	0.1137	NUM
fsr-3374	1052	45	0.0175	0.0175	NUM
fsr-3374	1052	46	*	*	PUNCT
fsr-3374	1052	47	*	*	PUNCT
fsr-3374	1052	48	*	*	PUNCT
fsr-3374	1052	49	0.1318	0.1318	NUM
fsr-3374	1052	50	0.0184	0.0184	NUM
fsr-3374	1052	51	*	*	PUNCT
fsr-3374	1052	52	*	*	PUNCT
fsr-3374	1052	53	*	*	PUNCT
fsr-3374	1052	54	$	$	SYM
fsr-3374	1052	55	75,000	75,000	NUM
fsr-3374	1052	56	to	to	PART
fsr-3374	1052	57	less	less	ADJ
fsr-3374	1052	58	than	than	ADP
fsr-3374	1052	59	$	$	SYM
fsr-3374	1052	60	100,000	100,000	NUM
fsr-3374	1052	61	0.1058	0.1058	NUM
fsr-3374	1052	62	0.0196	0.0196	NUM
fsr-3374	1052	63	*	*	PUNCT
fsr-3374	1052	64	*	*	PUNCT
fsr-3374	1052	65	*	*	PUNCT
fsr-3374	1053	1	0.1035	0.1035	NUM
fsr-3374	1053	2	0.0209	0.0209	NUM
fsr-3374	1053	3	*	*	PUNCT
fsr-3374	1054	1	*	*	PUNCT
fsr-3374	1054	2	*	*	PUNCT
fsr-3374	1054	3	$	$	SYM
fsr-3374	1054	4	100,000	100,000	NUM
fsr-3374	1054	5	to	to	PART
fsr-3374	1054	6	less	less	ADJ
fsr-3374	1054	7	than	than	ADP
fsr-3374	1054	8	$	$	SYM
fsr-3374	1054	9	150,000	150,000	NUM
fsr-3374	1054	10	0.1300	0.1300	NUM
fsr-3374	1054	11	0.0205	0.0205	NUM
fsr-3374	1054	12	*	*	PUNCT
fsr-3374	1054	13	*	*	PUNCT
fsr-3374	1054	14	*	*	PUNCT
fsr-3374	1054	15	0.1087	0.1087	NUM
fsr-3374	1054	16	0.0223	0.0223	NUM
fsr-3374	1054	17	*	*	PUNCT
fsr-3374	1055	1	*	*	PUNCT
fsr-3374	1055	2	*	*	PUNCT
fsr-3374	1055	3	$	$	SYM
fsr-3374	1055	4	150,000	150,000	NUM
fsr-3374	1055	5	or	or	CCONJ
fsr-3374	1055	6	more	more	ADJ
fsr-3374	1055	7	0.1728	0.1728	NUM
fsr-3374	1055	8	0.0233	0.0233	NUM
fsr-3374	1055	9	*	*	PUNCT
fsr-3374	1055	10	*	*	PUNCT
fsr-3374	1055	11	*	*	PUNCT
fsr-3374	1055	12	0.1509	0.1509	NUM
fsr-3374	1055	13	0.0251	0.0251	NUM
fsr-3374	1055	14	*	*	PUNCT
fsr-3374	1055	15	*	*	PUNCT
fsr-3374	1055	16	*	*	NOUN
fsr-3374	1055	17	risk	risk	NOUN
fsr-3374	1055	18	-	-	PUNCT
fsr-3374	1055	19	tolerance	tolerance	NOUN
fsr-3374	1055	20	level	level	NOUN
fsr-3374	1055	21	(	(	PUNCT
fsr-3374	1055	22	low	low	ADJ
fsr-3374	1055	23	)	)	PUNCT
fsr-3374	1055	24	medium	medium	NOUN
fsr-3374	1055	25	0.1154	0.1154	NUM
fsr-3374	1055	26	0.0092	0.0092	NUM
fsr-3374	1055	27	*	*	PUNCT
fsr-3374	1056	1	*	*	PUNCT
fsr-3374	1056	2	*	*	PUNCT
fsr-3374	1056	3	0.0774	0.0774	NUM
fsr-3374	1056	4	0.0099	0.0099	NUM
fsr-3374	1056	5	*	*	PUNCT
fsr-3374	1056	6	*	*	PUNCT
fsr-3374	1056	7	*	*	PUNCT
fsr-3374	1056	8	high	high	ADJ
fsr-3374	1056	9	0.1762	0.1762	NUM
fsr-3374	1056	10	0.0138	0.0138	NUM
fsr-3374	1056	11	*	*	PUNCT
fsr-3374	1056	12	*	*	PUNCT
fsr-3374	1056	13	*	*	PUNCT
fsr-3374	1056	14	0.1341	0.1341	NUM
fsr-3374	1056	15	0.0151	0.0151	NUM
fsr-3374	1056	16	*	*	PUNCT
fsr-3374	1056	17	*	*	PUNCT
fsr-3374	1056	18	*	*	PUNCT
fsr-3374	1056	19	perceived	perceive	VERB
fsr-3374	1056	20	financial	financial	ADJ
fsr-3374	1056	21	knowledge	knowledge	NOUN
fsr-3374	1056	22	(	(	PUNCT
fsr-3374	1056	23	high	high	ADJ
fsr-3374	1056	24	)	)	PUNCT
fsr-3374	1056	25	low	low	ADJ
fsr-3374	1056	26	�	�	PROPN
fsr-3374	1056	27	0.0418	0.0418	NUM
fsr-3374	1056	28	0.0168	0.0168	NUM
fsr-3374	1056	29	*	*	PUNCT
fsr-3374	1056	30	*	*	PUNCT
fsr-3374	1056	31	*	*	PUNCT
fsr-3374	1056	32	�	�	PROPN
fsr-3374	1056	33	0.0563	0.0563	NUM
fsr-3374	1056	34	0.0167	0.0167	NUM
fsr-3374	1056	35	*	*	PUNCT
fsr-3374	1056	36	*	*	PUNCT
fsr-3374	1056	37	*	*	PUNCT
fsr-3374	1056	38	medium	medium	ADJ
fsr-3374	1056	39	�	�	PROPN
fsr-3374	1056	40	0.0188	0.0188	NUM
fsr-3374	1056	41	0.0124	0.0124	NUM
fsr-3374	1056	42	�	�	NUM
fsr-3374	1056	43	0.0403	0.0403	NUM
fsr-3374	1056	44	0.0128	0.0128	NUM
fsr-3374	1056	45	*	*	PUNCT
fsr-3374	1056	46	*	*	PUNCT
fsr-3374	1056	47	*	*	PUNCT
fsr-3374	1056	48	financial	financial	ADJ
fsr-3374	1056	49	literacy	literacy	NOUN
fsr-3374	1056	50	0.0311	0.0311	NUM
fsr-3374	1056	51	0.0033	0.0033	NUM
fsr-3374	1056	52	*	*	PUNCT
fsr-3374	1056	53	*	*	PUNCT
fsr-3374	1056	54	*	*	PUNCT
fsr-3374	1056	55	0.0312	0.0312	NUM
fsr-3374	1056	56	0.0035	0.0035	NUM
fsr-3374	1056	57	*	*	PUNCT
fsr-3374	1056	58	*	*	PUNCT
fsr-3374	1056	59	*	*	PUNCT
fsr-3374	1056	60	financial	financial	ADJ
fsr-3374	1056	61	fragility	fragility	NOUN
fsr-3374	1056	62	�	�	NOUN
fsr-3374	1056	63	0.0407	0.0407	NUM
fsr-3374	1056	64	0.0031	0.0031	NUM
fsr-3374	1056	65	*	*	PUNCT
fsr-3374	1056	66	*	*	PUNCT
fsr-3374	1056	67	*	*	PUNCT
fsr-3374	1056	68	�	�	PROPN
fsr-3374	1056	69	0.0060	0.0060	NUM
fsr-3374	1056	70	0.0034	0.0034	NUM
fsr-3374	1056	71	*	*	PUNCT
fsr-3374	1056	72	number	number	NOUN
fsr-3374	1056	73	of	of	ADP
fsr-3374	1056	74	observations	observation	NOUN
fsr-3374	1056	75	14,127	14,127	NUM
fsr-3374	1056	76	14,127	14,127	NUM
fsr-3374	1056	77	*	*	NOUN
fsr-3374	1056	78	significance	significance	NOUN
fsr-3374	1056	79	at	at	ADP
fsr-3374	1056	80	10	10	NUM
fsr-3374	1056	81	%	%	NOUN
fsr-3374	1056	82	level	level	NOUN
fsr-3374	1056	83	;	;	PUNCT
fsr-3374	1056	84	*	*	PUNCT
fsr-3374	1057	1	*	*	NOUN
fsr-3374	1057	2	significance	significance	NOUN
fsr-3374	1057	3	at	at	ADP
fsr-3374	1057	4	5	5	NUM
fsr-3374	1057	5	%	%	NOUN
fsr-3374	1057	6	level	level	NOUN
fsr-3374	1057	7	;	;	PUNCT
fsr-3374	1058	1	*	*	PUNCT
fsr-3374	1058	2	*	*	PUNCT
fsr-3374	1058	3	*	*	NOUN
fsr-3374	1058	4	significance	significance	NOUN
fsr-3374	1058	5	at	at	ADP
fsr-3374	1058	6	1	1	NUM
fsr-3374	1058	7	%	%	NOUN
fsr-3374	1058	8	level	level	NOUN
fsr-3374	1058	9	.	.	PUNCT
fsr-3374	1059	1	423m.h	423m.h	X
fsr-3374	1059	2	.	.	PUNCT
fsr-3374	1060	1	alyousif	alyousif	PROPN
fsr-3374	1060	2	,	,	PUNCT
fsr-3374	1060	3	c.m	c.m	PROPN
fsr-3374	1060	4	.	.	PROPN
fsr-3374	1060	5	kalenkoski	kalenkoski	PROPN
fsr-3374	1060	6	/	/	SYM
fsr-3374	1060	7	financial	financial	ADJ
fsr-3374	1060	8	services	service	NOUN
fsr-3374	1060	9	review	review	VERB
fsr-3374	1060	10	26	26	NUM
fsr-3374	1060	11	(	(	PUNCT
fsr-3374	1060	12	2017	2017	NUM
fsr-3374	1060	13	)	)	PUNCT
fsr-3374	1061	1	405–432	405–432	NUM
fsr-3374	1061	2	planning	planning	NOUN
fsr-3374	1061	3	.	.	PUNCT
fsr-3374	1062	1	although	although	SCONJ
fsr-3374	1062	2	only	only	ADV
fsr-3374	1062	3	24	24	NUM
fsr-3374	1062	4	%	%	NOUN
fsr-3374	1062	5	of	of	ADP
fsr-3374	1062	6	respondents	respondent	NOUN
fsr-3374	1062	7	are	be	AUX
fsr-3374	1062	8	satisfied	satisfied	ADJ
fsr-3374	1062	9	with	with	ADP
fsr-3374	1062	10	their	their	PRON
fsr-3374	1062	11	personal	personal	ADJ
fsr-3374	1062	12	financial	financial	ADJ
fsr-3374	1062	13	condition	condition	NOUN
fsr-3374	1062	14	,	,	PUNCT
fsr-3374	1062	15	the	the	DET
fsr-3374	1062	16	use	use	NOUN
fsr-3374	1062	17	of	of	ADP
fsr-3374	1062	18	financial	financial	ADJ
fsr-3374	1062	19	advice	advice	NOUN
fsr-3374	1062	20	is	be	AUX
fsr-3374	1062	21	within	within	ADP
fsr-3374	1062	22	the	the	DET
fsr-3374	1062	23	range	range	NOUN
fsr-3374	1062	24	of	of	ADP
fsr-3374	1062	25	9–30	9–30	NOUN
fsr-3374	1062	26	%	%	NOUN
fsr-3374	1062	27	of	of	ADP
fsr-3374	1062	28	the	the	DET
fsr-3374	1062	29	u.s	u.s	PROPN
fsr-3374	1062	30	.	.	PROPN
fsr-3374	1062	31	population	population	NOUN
fsr-3374	1062	32	,	,	PUNCT
fsr-3374	1062	33	depending	depend	VERB
fsr-3374	1062	34	on	on	ADP
fsr-3374	1062	35	the	the	DET
fsr-3374	1062	36	type	type	NOUN
fsr-3374	1062	37	of	of	ADP
fsr-3374	1062	38	advice	advice	NOUN
fsr-3374	1062	39	.	.	PUNCT
fsr-3374	1063	1	while	while	SCONJ
fsr-3374	1063	2	73	73	NUM
fsr-3374	1063	3	%	%	NOUN
fsr-3374	1063	4	of	of	ADP
fsr-3374	1063	5	respondents	respondent	NOUN
fsr-3374	1063	6	assessed	assess	VERB
fsr-3374	1063	7	themselves	themselves	PRON
fsr-3374	1063	8	as	as	ADP
fsr-3374	1063	9	financially	financially	ADV
fsr-3374	1063	10	knowledgeable	knowledgeable	ADJ
fsr-3374	1063	11	,	,	PUNCT
fsr-3374	1063	12	only	only	ADV
fsr-3374	1063	13	16	16	NUM
fsr-3374	1063	14	%	%	NOUN
fsr-3374	1063	15	were	be	AUX
fsr-3374	1063	16	able	able	ADJ
fsr-3374	1063	17	to	to	PART
fsr-3374	1063	18	answer	answer	VERB
fsr-3374	1063	19	five	five	NUM
fsr-3374	1063	20	basic	basic	ADJ
fsr-3374	1063	21	financial	financial	ADJ
fsr-3374	1063	22	literacy	literacy	NOUN
fsr-3374	1063	23	questions	question	NOUN
fsr-3374	1063	24	correctly	correctly	ADV
fsr-3374	1063	25	.	.	PUNCT
fsr-3374	1064	1	this	this	DET
fsr-3374	1064	2	discrepancy	discrepancy	NOUN
fsr-3374	1064	3	raises	raise	VERB
fsr-3374	1064	4	the	the	DET
fsr-3374	1064	5	complex	complex	ADJ
fsr-3374	1064	6	question	question	NOUN
fsr-3374	1064	7	of	of	ADP
fsr-3374	1064	8	why	why	SCONJ
fsr-3374	1064	9	individuals	individual	NOUN
fsr-3374	1064	10	are	be	AUX
fsr-3374	1064	11	reluctant	reluctant	ADJ
fsr-3374	1064	12	to	to	PART
fsr-3374	1064	13	seek	seek	VERB
fsr-3374	1064	14	professional	professional	ADJ
fsr-3374	1064	15	financial	financial	ADJ
fsr-3374	1064	16	advice	advice	NOUN
fsr-3374	1064	17	.	.	PUNCT
fsr-3374	1065	1	the	the	DET
fsr-3374	1065	2	analysis	analysis	NOUN
fsr-3374	1065	3	of	of	ADP
fsr-3374	1065	4	the	the	DET
fsr-3374	1065	5	multivariate	multivariate	NOUN
fsr-3374	1065	6	results	result	NOUN
fsr-3374	1065	7	reveals	reveal	VERB
fsr-3374	1065	8	a	a	DET
fsr-3374	1065	9	consistent	consistent	ADJ
fsr-3374	1065	10	effect	effect	NOUN
fsr-3374	1065	11	of	of	ADP
fsr-3374	1065	12	key	key	ADJ
fsr-3374	1065	13	factors	factor	NOUN
fsr-3374	1065	14	on	on	ADP
fsr-3374	1065	15	the	the	DET
fsr-3374	1065	16	demand	demand	NOUN
fsr-3374	1065	17	for	for	ADP
fsr-3374	1065	18	the	the	DET
fsr-3374	1065	19	five	five	NUM
fsr-3374	1065	20	types	type	NOUN
fsr-3374	1065	21	of	of	ADP
fsr-3374	1065	22	financial	financial	ADJ
fsr-3374	1065	23	advice	advice	NOUN
fsr-3374	1065	24	and	and	CCONJ
fsr-3374	1065	25	no	no	DET
fsr-3374	1065	26	significant	significant	ADJ
fsr-3374	1065	27	differences	difference	NOUN
fsr-3374	1065	28	have	have	AUX
fsr-3374	1065	29	been	be	AUX
fsr-3374	1065	30	found	find	VERB
fsr-3374	1065	31	among	among	ADP
fsr-3374	1065	32	the	the	DET
fsr-3374	1065	33	subsamples	subsample	NOUN
fsr-3374	1065	34	,	,	PUNCT
fsr-3374	1065	35	which	which	PRON
fsr-3374	1065	36	are	be	AUX
fsr-3374	1065	37	defined	define	VERB
fsr-3374	1065	38	by	by	ADP
fsr-3374	1065	39	gender	gender	NOUN
fsr-3374	1065	40	,	,	PUNCT
fsr-3374	1065	41	age	age	NOUN
fsr-3374	1065	42	,	,	PUNCT
fsr-3374	1065	43	and	and	CCONJ
fsr-3374	1065	44	financial	financial	ADJ
fsr-3374	1065	45	literacy	literacy	NOUN
fsr-3374	1065	46	.	.	PUNCT
fsr-3374	1066	1	income	income	NOUN
fsr-3374	1066	2	and	and	CCONJ
fsr-3374	1066	3	table	table	NOUN
fsr-3374	1066	4	11	11	NUM
fsr-3374	1066	5	financial	financial	ADJ
fsr-3374	1066	6	advice	advice	NOUN
fsr-3374	1066	7	probit	probit	NOUN
fsr-3374	1066	8	(	(	PUNCT
fsr-3374	1066	9	male	male	NOUN
fsr-3374	1066	10	)	)	PUNCT
fsr-3374	1066	11	independent	independent	ADJ
fsr-3374	1066	12	variables	variable	NOUN
fsr-3374	1066	13	savings	saving	NOUN
fsr-3374	1066	14	/	/	SYM
fsr-3374	1066	15	investment	investment	NOUN
fsr-3374	1066	16	insurance	insurance	NOUN
fsr-3374	1066	17	marg	marg	NOUN
fsr-3374	1066	18	.	.	PUNCT
fsr-3374	1067	1	effects	effect	NOUN
fsr-3374	1067	2	(	(	PUNCT
fsr-3374	1067	3	se	se	X
fsr-3374	1067	4	)	)	PUNCT
fsr-3374	1067	5	marg	marg	NOUN
fsr-3374	1067	6	.	.	PUNCT
fsr-3374	1068	1	effects	effect	NOUN
fsr-3374	1068	2	(	(	PUNCT
fsr-3374	1068	3	se	se	ADJ
fsr-3374	1068	4	)	)	PUNCT
fsr-3374	1068	5	race	race	NOUN
fsr-3374	1068	6	(	(	PUNCT
fsr-3374	1068	7	non	non	ADJ
fsr-3374	1068	8	-	-	ADJ
fsr-3374	1068	9	white	white	ADJ
fsr-3374	1068	10	)	)	PUNCT
fsr-3374	1068	11	white	white	PROPN
fsr-3374	1068	12	�	�	PROPN
fsr-3374	1068	13	0.0004	0.0004	NUM
fsr-3374	1068	14	0.0108	0.0108	NUM
fsr-3374	1068	15	�	�	PROPN
fsr-3374	1068	16	0.0073	0.0073	NUM
fsr-3374	1068	17	0.0117	0.0117	NUM
fsr-3374	1068	18	age	age	NOUN
fsr-3374	1068	19	(	(	PUNCT
fsr-3374	1068	20	65	65	NUM
fsr-3374	1068	21	�	�	NOUN
fsr-3374	1068	22	)	)	PUNCT
fsr-3374	1068	23	18–24	18–24	NUM
fsr-3374	1068	24	0.0756	0.0756	NUM
fsr-3374	1068	25	0.0212	0.0212	NUM
fsr-3374	1068	26	*	*	PUNCT
fsr-3374	1068	27	*	*	PUNCT
fsr-3374	1068	28	*	*	PUNCT
fsr-3374	1068	29	0.1025	0.1025	NUM
fsr-3374	1068	30	0.0238	0.0238	NUM
fsr-3374	1068	31	*	*	PUNCT
fsr-3374	1068	32	*	*	PUNCT
fsr-3374	1068	33	*	*	PUNCT
fsr-3374	1068	34	25–34	25–34	NUM
fsr-3374	1068	35	0.0312	0.0312	NUM
fsr-3374	1068	36	0.0175	0.0175	NUM
fsr-3374	1068	37	*	*	PUNCT
fsr-3374	1069	1	0.1054	0.1054	NUM
fsr-3374	1069	2	0.0196	0.0196	NUM
fsr-3374	1069	3	*	*	PUNCT
fsr-3374	1069	4	*	*	PUNCT
fsr-3374	1069	5	*	*	SYM
fsr-3374	1069	6	35–44	35–44	NUM
fsr-3374	1069	7	�	�	PROPN
fsr-3374	1069	8	0.0501	0.0501	NUM
fsr-3374	1069	9	0.0172	0.0172	NUM
fsr-3374	1069	10	*	*	PUNCT
fsr-3374	1069	11	*	*	PUNCT
fsr-3374	1069	12	*	*	PUNCT
fsr-3374	1069	13	0.0502	0.0502	NUM
fsr-3374	1069	14	0.0193	0.0193	NUM
fsr-3374	1069	15	*	*	PUNCT
fsr-3374	1069	16	*	*	PUNCT
fsr-3374	1069	17	*	*	PROPN
fsr-3374	1069	18	45–54	45–54	NUM
fsr-3374	1069	19	�	�	NOUN
fsr-3374	1069	20	0.0691	0.0691	NUM
fsr-3374	1069	21	0.0153	0.0153	NUM
fsr-3374	1069	22	*	*	PUNCT
fsr-3374	1069	23	*	*	PUNCT
fsr-3374	1069	24	*	*	PUNCT
fsr-3374	1069	25	0.0392	0.0392	NUM
fsr-3374	1069	26	0.0173	0.0173	NUM
fsr-3374	1069	27	*	*	PUNCT
fsr-3374	1069	28	*	*	PUNCT
fsr-3374	1069	29	55–64	55–64	NUM
fsr-3374	1069	30	�	�	PROPN
fsr-3374	1069	31	0.0174	0.0174	NUM
fsr-3374	1069	32	0.0141	0.0141	NUM
fsr-3374	1069	33	0.0281	0.0281	NUM
fsr-3374	1069	34	0.0160	0.0160	NUM
fsr-3374	1069	35	*	*	PUNCT
fsr-3374	1069	36	education	education	NOUN
fsr-3374	1069	37	level	level	NOUN
fsr-3374	1069	38	(	(	PUNCT
fsr-3374	1069	39	college	college	NOUN
fsr-3374	1069	40	or	or	CCONJ
fsr-3374	1069	41	more	more	ADJ
fsr-3374	1069	42	)	)	PUNCT
fsr-3374	1069	43	high	high	ADJ
fsr-3374	1069	44	school	school	NOUN
fsr-3374	1069	45	or	or	CCONJ
fsr-3374	1069	46	less	less	ADJ
fsr-3374	1069	47	�	�	NOUN
fsr-3374	1069	48	0.0808	0.0808	NUM
fsr-3374	1069	49	0.0124	0.0124	NUM
fsr-3374	1069	50	*	*	PUNCT
fsr-3374	1069	51	*	*	PUNCT
fsr-3374	1069	52	*	*	PUNCT
fsr-3374	1069	53	�	�	PROPN
fsr-3374	1069	54	0.0615	0.0615	NUM
fsr-3374	1069	55	0.0134	0.0134	NUM
fsr-3374	1069	56	*	*	PUNCT
fsr-3374	1069	57	*	*	PUNCT
fsr-3374	1069	58	*	*	PUNCT
fsr-3374	1069	59	some	some	DET
fsr-3374	1069	60	college	college	NOUN
fsr-3374	1069	61	�	�	NOUN
fsr-3374	1069	62	0.0439	0.0439	NOUN
fsr-3374	1069	63	0.0106	0.0106	NUM
fsr-3374	1069	64	*	*	PUNCT
fsr-3374	1069	65	*	*	PUNCT
fsr-3374	1069	66	*	*	PUNCT
fsr-3374	1069	67	�	�	NOUN
fsr-3374	1069	68	0.0251	0.0251	NUM
fsr-3374	1069	69	0.0116	0.0116	NUM
fsr-3374	1069	70	*	*	PUNCT
fsr-3374	1069	71	*	*	PUNCT
fsr-3374	1069	72	marital	marital	ADJ
fsr-3374	1069	73	status	status	NOUN
fsr-3374	1069	74	(	(	PUNCT
fsr-3374	1069	75	married	married	ADJ
fsr-3374	1069	76	)	)	PUNCT
fsr-3374	1069	77	living	live	VERB
fsr-3374	1069	78	with	with	ADP
fsr-3374	1069	79	a	a	DET
fsr-3374	1069	80	partner	partner	NOUN
fsr-3374	1069	81	�	�	NOUN
fsr-3374	1069	82	0.0021	0.0021	NUM
fsr-3374	1069	83	0.0184	0.0184	NUM
fsr-3374	1069	84	�	�	PROPN
fsr-3374	1069	85	0.0074	0.0074	NUM
fsr-3374	1069	86	0.0198	0.0198	NUM
fsr-3374	1069	87	single	single	ADJ
fsr-3374	1069	88	�	�	PROPN
fsr-3374	1069	89	0.0159	0.0159	NUM
fsr-3374	1069	90	0.0120	0.0120	NUM
fsr-3374	1069	91	�	�	NOUN
fsr-3374	1069	92	0.0452	0.0452	NUM
fsr-3374	1069	93	0.0130	0.0130	NUM
fsr-3374	1069	94	*	*	PUNCT
fsr-3374	1069	95	*	*	PUNCT
fsr-3374	1069	96	*	*	PUNCT
fsr-3374	1069	97	number	number	NOUN
fsr-3374	1069	98	of	of	ADP
fsr-3374	1069	99	children	child	NOUN
fsr-3374	1069	100	(	(	PUNCT
fsr-3374	1069	101	no	no	DET
fsr-3374	1069	102	children	child	NOUN
fsr-3374	1069	103	)	)	PUNCT
fsr-3374	1069	104	one	one	NUM
fsr-3374	1069	105	child	child	NOUN
fsr-3374	1069	106	0.0519	0.0519	NUM
fsr-3374	1069	107	0.0147	0.0147	NUM
fsr-3374	1069	108	*	*	PUNCT
fsr-3374	1070	1	*	*	PUNCT
fsr-3374	1070	2	*	*	PUNCT
fsr-3374	1070	3	0.0703	0.0703	NUM
fsr-3374	1070	4	0.0159	0.0159	NUM
fsr-3374	1070	5	*	*	PUNCT
fsr-3374	1070	6	*	*	PUNCT
fsr-3374	1070	7	*	*	PUNCT
fsr-3374	1070	8	two	two	NUM
fsr-3374	1070	9	children	child	NOUN
fsr-3374	1070	10	0.0476	0.0476	NUM
fsr-3374	1070	11	0.0160	0.0160	NUM
fsr-3374	1070	12	*	*	PUNCT
fsr-3374	1070	13	*	*	PUNCT
fsr-3374	1070	14	*	*	PUNCT
fsr-3374	1070	15	0.0900	0.0900	NUM
fsr-3374	1071	1	0.0174	0.0174	NUM
fsr-3374	1071	2	*	*	PUNCT
fsr-3374	1071	3	*	*	PUNCT
fsr-3374	1071	4	*	*	PUNCT
fsr-3374	1071	5	three	three	NUM
fsr-3374	1071	6	children	child	NOUN
fsr-3374	1071	7	0.0429	0.0429	NUM
fsr-3374	1071	8	0.0221	0.0221	NUM
fsr-3374	1071	9	*	*	PUNCT
fsr-3374	1071	10	0.0365	0.0365	NUM
fsr-3374	1071	11	0.0236	0.0236	NUM
fsr-3374	1071	12	four	four	NUM
fsr-3374	1071	13	children	child	NOUN
fsr-3374	1071	14	or	or	CCONJ
fsr-3374	1071	15	more	more	ADJ
fsr-3374	1071	16	0.0671	0.0671	NUM
fsr-3374	1071	17	0.0311	0.0311	NUM
fsr-3374	1071	18	*	*	PUNCT
fsr-3374	1071	19	*	*	PUNCT
fsr-3374	1072	1	0.1042	0.1042	NUM
fsr-3374	1072	2	0.0320	0.0320	NUM
fsr-3374	1072	3	*	*	PUNCT
fsr-3374	1072	4	*	*	PUNCT
fsr-3374	1072	5	*	*	PUNCT
fsr-3374	1072	6	no	no	DET
fsr-3374	1072	7	financially	financially	ADV
fsr-3374	1072	8	dependent	dependent	ADJ
fsr-3374	1072	9	children	child	NOUN
fsr-3374	1072	10	0.0350	0.0350	NUM
fsr-3374	1072	11	0.0133	0.0133	NUM
fsr-3374	1072	12	*	*	PUNCT
fsr-3374	1073	1	*	*	PUNCT
fsr-3374	1073	2	*	*	PUNCT
fsr-3374	1074	1	0.0401	0.0401	NUM
fsr-3374	1074	2	0.0147	0.0147	NUM
fsr-3374	1075	1	*	*	PUNCT
fsr-3374	1075	2	*	*	PUNCT
fsr-3374	1075	3	*	*	PUNCT
fsr-3374	1075	4	annual	annual	ADJ
fsr-3374	1075	5	income	income	NOUN
fsr-3374	1075	6	(	(	PUNCT
fsr-3374	1075	7	less	less	ADJ
fsr-3374	1075	8	than	than	ADP
fsr-3374	1075	9	$	$	SYM
fsr-3374	1075	10	15,000	15,000	NUM
fsr-3374	1075	11	)	)	PUNCT
fsr-3374	1075	12	$	$	SYM
fsr-3374	1075	13	15,000	15,000	NUM
fsr-3374	1075	14	to	to	PART
fsr-3374	1075	15	less	less	ADJ
fsr-3374	1075	16	than	than	ADP
fsr-3374	1075	17	$	$	SYM
fsr-3374	1075	18	25,000	25,000	NUM
fsr-3374	1075	19	0.0920	0.0920	NUM
fsr-3374	1075	20	0.0222	0.0222	NUM
fsr-3374	1075	21	*	*	PUNCT
fsr-3374	1075	22	*	*	PUNCT
fsr-3374	1075	23	*	*	PUNCT
fsr-3374	1075	24	0.1259	0.1259	NUM
fsr-3374	1075	25	0.0228	0.0228	NUM
fsr-3374	1075	26	*	*	PUNCT
fsr-3374	1075	27	*	*	PUNCT
fsr-3374	1075	28	*	*	PUNCT
fsr-3374	1075	29	$	$	SYM
fsr-3374	1075	30	25,000	25,000	NUM
fsr-3374	1075	31	to	to	PART
fsr-3374	1075	32	less	less	ADJ
fsr-3374	1075	33	than	than	ADP
fsr-3374	1075	34	$	$	SYM
fsr-3374	1075	35	35,000	35,000	NUM
fsr-3374	1075	36	0.0832	0.0832	NUM
fsr-3374	1075	37	0.0220	0.0220	NUM
fsr-3374	1075	38	*	*	PUNCT
fsr-3374	1075	39	*	*	PUNCT
fsr-3374	1075	40	*	*	PUNCT
fsr-3374	1075	41	0.1146	0.1146	NUM
fsr-3374	1075	42	0.0231	0.0231	NUM
fsr-3374	1075	43	*	*	PUNCT
fsr-3374	1075	44	*	*	PUNCT
fsr-3374	1075	45	*	*	PUNCT
fsr-3374	1075	46	$	$	SYM
fsr-3374	1075	47	35,000	35,000	NUM
fsr-3374	1075	48	to	to	PART
fsr-3374	1075	49	less	less	ADJ
fsr-3374	1075	50	than	than	ADP
fsr-3374	1075	51	$	$	SYM
fsr-3374	1075	52	50,000	50,000	NUM
fsr-3374	1075	53	0.0916	0.0916	NUM
fsr-3374	1075	54	0.0207	0.0207	NUM
fsr-3374	1075	55	*	*	PUNCT
fsr-3374	1075	56	*	*	PUNCT
fsr-3374	1075	57	*	*	PUNCT
fsr-3374	1076	1	0.1327	0.1327	NUM
fsr-3374	1076	2	0.0215	0.0215	NUM
fsr-3374	1076	3	*	*	PUNCT
fsr-3374	1076	4	*	*	PUNCT
fsr-3374	1076	5	*	*	PUNCT
fsr-3374	1076	6	$	$	SYM
fsr-3374	1076	7	50,000	50,000	NUM
fsr-3374	1076	8	to	to	PART
fsr-3374	1076	9	less	less	ADJ
fsr-3374	1076	10	than	than	ADP
fsr-3374	1076	11	$	$	SYM
fsr-3374	1076	12	75,000	75,000	NUM
fsr-3374	1076	13	0.1096	0.1096	NUM
fsr-3374	1076	14	0.0204	0.0204	NUM
fsr-3374	1076	15	*	*	PUNCT
fsr-3374	1076	16	*	*	PUNCT
fsr-3374	1076	17	*	*	PUNCT
fsr-3374	1076	18	0.1275	0.1275	NUM
fsr-3374	1076	19	0.0213	0.0213	NUM
fsr-3374	1076	20	*	*	PUNCT
fsr-3374	1076	21	*	*	PUNCT
fsr-3374	1076	22	*	*	PUNCT
fsr-3374	1076	23	$	$	SYM
fsr-3374	1076	24	75,000	75,000	NUM
fsr-3374	1076	25	to	to	PART
fsr-3374	1076	26	less	less	ADJ
fsr-3374	1076	27	than	than	ADP
fsr-3374	1076	28	$	$	SYM
fsr-3374	1076	29	100,000	100,000	NUM
fsr-3374	1076	30	0.1446	0.1446	NUM
fsr-3374	1076	31	0.0218	0.0218	NUM
fsr-3374	1076	32	*	*	PUNCT
fsr-3374	1076	33	*	*	PUNCT
fsr-3374	1076	34	*	*	PUNCT
fsr-3374	1076	35	0.1260	0.1260	NUM
fsr-3374	1076	36	0.0233	0.0233	NUM
fsr-3374	1076	37	*	*	PUNCT
fsr-3374	1076	38	*	*	PUNCT
fsr-3374	1076	39	*	*	PUNCT
fsr-3374	1076	40	$	$	SYM
fsr-3374	1076	41	100,000	100,000	NUM
fsr-3374	1076	42	to	to	PART
fsr-3374	1076	43	less	less	ADJ
fsr-3374	1076	44	than	than	ADP
fsr-3374	1076	45	$	$	SYM
fsr-3374	1076	46	150,000	150,000	NUM
fsr-3374	1076	47	0.1582	0.1582	NUM
fsr-3374	1076	48	0.0227	0.0227	NUM
fsr-3374	1076	49	*	*	PUNCT
fsr-3374	1076	50	*	*	PUNCT
fsr-3374	1076	51	*	*	PUNCT
fsr-3374	1076	52	0.1582	0.1582	NUM
fsr-3374	1076	53	0.0241	0.0241	NUM
fsr-3374	1076	54	*	*	PUNCT
fsr-3374	1076	55	*	*	PUNCT
fsr-3374	1076	56	*	*	PUNCT
fsr-3374	1076	57	$	$	SYM
fsr-3374	1076	58	150,000	150,000	NUM
fsr-3374	1076	59	or	or	CCONJ
fsr-3374	1076	60	more	more	ADJ
fsr-3374	1076	61	0.1624	0.1624	NUM
fsr-3374	1076	62	0.0257	0.0257	NUM
fsr-3374	1076	63	*	*	PUNCT
fsr-3374	1076	64	*	*	PUNCT
fsr-3374	1076	65	*	*	PUNCT
fsr-3374	1076	66	0.1565	0.1565	NUM
fsr-3374	1076	67	0.0272	0.0272	NUM
fsr-3374	1076	68	*	*	PUNCT
fsr-3374	1076	69	*	*	PUNCT
fsr-3374	1076	70	*	*	NOUN
fsr-3374	1076	71	risk	risk	NOUN
fsr-3374	1076	72	-	-	PUNCT
fsr-3374	1076	73	tolerance	tolerance	NOUN
fsr-3374	1076	74	level	level	NOUN
fsr-3374	1076	75	(	(	PUNCT
fsr-3374	1076	76	low	low	ADJ
fsr-3374	1076	77	)	)	PUNCT
fsr-3374	1076	78	medium	medium	NOUN
fsr-3374	1076	79	0.1066	0.1066	NUM
fsr-3374	1076	80	0.0109	0.0109	NUM
fsr-3374	1076	81	*	*	PUNCT
fsr-3374	1076	82	*	*	PUNCT
fsr-3374	1076	83	*	*	PUNCT
fsr-3374	1076	84	0.0697	0.0697	NUM
fsr-3374	1076	85	0.0119	0.0119	NUM
fsr-3374	1076	86	*	*	PUNCT
fsr-3374	1076	87	*	*	PUNCT
fsr-3374	1076	88	*	*	PUNCT
fsr-3374	1076	89	high	high	ADJ
fsr-3374	1076	90	0.1590	0.1590	NUM
fsr-3374	1076	91	0.0128	0.0128	NUM
fsr-3374	1076	92	*	*	PUNCT
fsr-3374	1076	93	*	*	PUNCT
fsr-3374	1076	94	*	*	X
fsr-3374	1076	95	0.1046	0.1046	NUM
fsr-3374	1076	96	0.0142	0.0142	NUM
fsr-3374	1076	97	*	*	PUNCT
fsr-3374	1076	98	*	*	PUNCT
fsr-3374	1076	99	*	*	PUNCT
fsr-3374	1076	100	perceived	perceive	VERB
fsr-3374	1076	101	financial	financial	ADJ
fsr-3374	1076	102	knowledge	knowledge	NOUN
fsr-3374	1076	103	(	(	PUNCT
fsr-3374	1076	104	high	high	ADJ
fsr-3374	1076	105	)	)	PUNCT
fsr-3374	1076	106	low	low	PROPN
fsr-3374	1076	107	�	�	PROPN
fsr-3374	1076	108	0.0234	0.0234	NUM
fsr-3374	1076	109	0.0214	0.0214	NUM
fsr-3374	1076	110	�	�	PROPN
fsr-3374	1076	111	0.0453	0.0453	NUM
fsr-3374	1076	112	0.0214	0.0214	NUM
fsr-3374	1076	113	*	*	PUNCT
fsr-3374	1076	114	*	*	PUNCT
fsr-3374	1076	115	medium	medium	ADJ
fsr-3374	1076	116	�	�	PROPN
fsr-3374	1076	117	0.0192	0.0192	NUM
fsr-3374	1076	118	0.0148	0.0148	NUM
fsr-3374	1076	119	�	�	NOUN
fsr-3374	1076	120	0.0240	0.0240	NUM
fsr-3374	1076	121	0.0157	0.0157	NUM
fsr-3374	1076	122	financial	financial	ADJ
fsr-3374	1076	123	literacy	literacy	NOUN
fsr-3374	1076	124	0.0151	0.0151	NUM
fsr-3374	1076	125	0.0036	0.0036	NUM
fsr-3374	1076	126	*	*	PUNCT
fsr-3374	1076	127	*	*	PUNCT
fsr-3374	1076	128	*	*	PUNCT
fsr-3374	1076	129	0.0124	0.0124	NUM
fsr-3374	1076	130	0.0039	0.0039	NUM
fsr-3374	1076	131	*	*	PUNCT
fsr-3374	1076	132	*	*	PUNCT
fsr-3374	1076	133	*	*	PUNCT
fsr-3374	1076	134	financial	financial	ADJ
fsr-3374	1076	135	fragility	fragility	NOUN
fsr-3374	1076	136	�	�	NOUN
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fsr-3374	1076	138	0.0035	0.0035	NUM
fsr-3374	1076	139	*	*	PUNCT
fsr-3374	1076	140	*	*	PUNCT
fsr-3374	1076	141	*	*	PUNCT
fsr-3374	1076	142	�	�	PROPN
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fsr-3374	1076	144	0.0037	0.0037	NUM
fsr-3374	1076	145	*	*	NOUN
fsr-3374	1076	146	*	*	PUNCT
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fsr-3374	1076	148	of	of	ADP
fsr-3374	1076	149	observations	observation	NOUN
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fsr-3374	1076	151	11,382	11,382	NUM
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fsr-3374	1076	154	at	at	ADP
fsr-3374	1076	155	10	10	NUM
fsr-3374	1076	156	%	%	NOUN
fsr-3374	1076	157	level	level	NOUN
fsr-3374	1076	158	;	;	PUNCT
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fsr-3374	1076	160	*	*	NOUN
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fsr-3374	1076	162	at	at	ADP
fsr-3374	1076	163	5	5	NUM
fsr-3374	1076	164	%	%	NOUN
fsr-3374	1076	165	level	level	NOUN
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fsr-3374	1076	167	*	*	PUNCT
fsr-3374	1076	168	*	*	PUNCT
fsr-3374	1076	169	*	*	NOUN
fsr-3374	1076	170	significance	significance	NOUN
fsr-3374	1076	171	at	at	ADP
fsr-3374	1076	172	1	1	NUM
fsr-3374	1076	173	%	%	NOUN
fsr-3374	1076	174	level	level	NOUN
fsr-3374	1076	175	.	.	PUNCT
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fsr-3374	1077	2	m.h	m.h	PROPN
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fsr-3374	1077	6	c.m	c.m	PROPN
fsr-3374	1077	7	.	.	PROPN
fsr-3374	1077	8	kalenkoski	kalenkoski	PROPN
fsr-3374	1077	9	/	/	SYM
fsr-3374	1077	10	financial	financial	ADJ
fsr-3374	1077	11	services	service	NOUN
fsr-3374	1077	12	review	review	VERB
fsr-3374	1077	13	26	26	NUM
fsr-3374	1077	14	(	(	PUNCT
fsr-3374	1077	15	2017	2017	NUM
fsr-3374	1077	16	)	)	PUNCT
fsr-3374	1078	1	405–432	405–432	NUM
fsr-3374	1078	2	t	t	PROPN
fsr-3374	1078	3	ab	ab	X
fsr-3374	1078	4	le	le	PROPN
fsr-3374	1078	5	12	12	NUM
fsr-3374	1078	6	fi	fi	NOUN
fsr-3374	1078	7	na	na	PROPN
fsr-3374	1078	8	nc	nc	PROPN
fsr-3374	1078	9	ia	ia	PROPN
fsr-3374	1078	10	l	l	PROPN
fsr-3374	1078	11	ad	ad	PROPN
fsr-3374	1078	12	vi	vi	PROPN
fsr-3374	1078	13	ce	ce	X
fsr-3374	1078	14	pr	pr	NOUN
fsr-3374	1078	15	ob	ob	INTJ
fsr-3374	1078	16	it	it	PRON
fsr-3374	1078	17	(	(	PUNCT
fsr-3374	1078	18	t	t	X
fsr-3374	1078	19	he	he	PRON
fsr-3374	1079	1	yo	yo	INTJ
fsr-3374	1079	2	un	un	PROPN
fsr-3374	1079	3	g	g	PROPN
fsr-3374	1079	4	18	18	NUM
fsr-3374	1079	5	–	–	SYM
fsr-3374	1079	6	44	44	NUM
fsr-3374	1079	7	)	)	PUNCT
fsr-3374	1079	8	in	in	ADP
fsr-3374	1079	9	de	de	X
fsr-3374	1079	10	pe	pe	X
fsr-3374	1079	11	nd	nd	ADV
fsr-3374	1079	12	en	en	PROPN
fsr-3374	1079	13	t	t	PROPN
fsr-3374	1079	14	va	va	PROPN
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fsr-3374	1079	19	d	d	X
fsr-3374	1079	20	eb	eb	PROPN
fsr-3374	1079	21	t	t	PROPN
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fsr-3374	1080	4	tg	tg	PROPN
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fsr-3374	1080	6	e/	e/	INTJ
fsr-3374	1080	7	lo	lo	PROPN
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fsr-3374	1080	9	in	in	ADP
fsr-3374	1080	10	su	su	PROPN
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fsr-3374	1080	13	e	e	PROPN
fsr-3374	1080	14	t	t	PROPN
fsr-3374	1080	15	ax	ax	NOUN
fsr-3374	1081	1	pl	pl	X
fsr-3374	1081	2	an	an	DET
fsr-3374	1081	3	ni	ni	PROPN
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fsr-3374	1081	7	g.	g.	PROPN
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fsr-3374	1081	9	fe	fe	PROPN
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fsr-3374	1082	3	(	(	PUNCT
fsr-3374	1082	4	s	s	NOUN
fsr-3374	1082	5	e	e	NOUN
fsr-3374	1082	6	)	)	PUNCT
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fsr-3374	1082	9	g.	g.	PROPN
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fsr-3374	1082	13	s	s	PROPN
fsr-3374	1082	14	(	(	PUNCT
fsr-3374	1082	15	s	s	NOUN
fsr-3374	1082	16	e	e	NOUN
fsr-3374	1082	17	)	)	PUNCT
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fsr-3374	1082	20	g.	g.	PROPN
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fsr-3374	1082	24	s	s	PROPN
fsr-3374	1082	25	(	(	PUNCT
fsr-3374	1082	26	s	s	NOUN
fsr-3374	1082	27	e	e	NOUN
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fsr-3374	1082	31	g.	g.	PROPN
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fsr-3374	1082	35	s	s	PROPN
fsr-3374	1082	36	(	(	PUNCT
fsr-3374	1082	37	s	s	NOUN
fsr-3374	1082	38	e	e	NOUN
fsr-3374	1082	39	)	)	PUNCT
fsr-3374	1082	40	g	g	PROPN
fsr-3374	1082	41	en	en	X
fsr-3374	1082	42	de	de	X
fsr-3374	1082	43	r	r	X
fsr-3374	1082	44	(	(	PUNCT
fsr-3374	1082	45	m	m	PROPN
fsr-3374	1082	46	al	al	PROPN
fsr-3374	1082	47	e	e	PROPN
fsr-3374	1082	48	)	)	PUNCT
fsr-3374	1082	49	fe	fe	X
fsr-3374	1082	50	m	m	PROPN
fsr-3374	1082	51	al	al	PROPN
fsr-3374	1082	52	e	e	PROPN
fsr-3374	1082	53	�	�	PROPN
fsr-3374	1082	54	0	0	NUM
fsr-3374	1082	55	.	.	PROPN
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fsr-3374	1082	58	0	0	NUM
fsr-3374	1082	59	.	.	PUNCT
fsr-3374	1082	60	00	00	NUM
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fsr-3374	1083	1	*	*	PUNCT
fsr-3374	1083	2	*	*	PUNCT
fsr-3374	1083	3	�	�	PROPN
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fsr-3374	1083	5	.	.	PROPN
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fsr-3374	1084	2	0	0	NUM
fsr-3374	1084	3	.	.	PUNCT
fsr-3374	1084	4	00	00	NUM
fsr-3374	1085	1	98	98	NUM
fsr-3374	1085	2	0	0	NUM
fsr-3374	1085	3	.	.	PUNCT
fsr-3374	1085	4	00	00	NUM
fsr-3374	1086	1	20	20	NUM
fsr-3374	1086	2	0	0	NUM
fsr-3374	1086	3	.	.	PUNCT
fsr-3374	1087	1	01	01	NUM
fsr-3374	1087	2	07	07	NUM
fsr-3374	1087	3	�	�	PROPN
fsr-3374	1087	4	0	0	NUM
fsr-3374	1087	5	.	.	PUNCT
fsr-3374	1087	6	02	02	NUM
fsr-3374	1087	7	81	81	NUM
fsr-3374	1087	8	0	0	NUM
fsr-3374	1087	9	.	.	PUNCT
fsr-3374	1087	10	00	00	NUM
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fsr-3374	1088	1	*	*	PUNCT
fsr-3374	1088	2	*	*	PUNCT
fsr-3374	1088	3	*	*	PUNCT
fsr-3374	1088	4	r	r	X
fsr-3374	1088	5	ac	ac	NOUN
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fsr-3374	1088	7	(	(	PUNCT
fsr-3374	1088	8	n	n	CCONJ
fsr-3374	1088	9	on	on	ADP
fsr-3374	1088	10	-w	-w	PUNCT
fsr-3374	1088	11	hi	hi	INTJ
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fsr-3374	1088	13	)	)	PUNCT
fsr-3374	1089	1	w	w	ADP
fsr-3374	1089	2	hi	hi	INTJ
fsr-3374	1089	3	te	te	ADP
fsr-3374	1089	4	�	�	PROPN
fsr-3374	1089	5	0	0	NUM
fsr-3374	1089	6	.	.	PROPN
fsr-3374	1089	7	01	01	NUM
fsr-3374	1089	8	49	49	NUM
fsr-3374	1089	9	0	0	NUM
fsr-3374	1089	10	.	.	PUNCT
fsr-3374	1089	11	00	00	NUM
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fsr-3374	1090	2	*	*	PUNCT
fsr-3374	1090	3	*	*	NOUN
fsr-3374	1090	4	0	0	NUM
fsr-3374	1090	5	.	.	NUM
fsr-3374	1090	6	00	00	NUM
fsr-3374	1091	1	98	98	NUM
fsr-3374	1091	2	0	0	NUM
fsr-3374	1091	3	.	.	PUNCT
fsr-3374	1092	1	01	01	NUM
fsr-3374	1092	2	00	00	NUM
fsr-3374	1092	3	�	�	PROPN
fsr-3374	1092	4	0	0	NUM
fsr-3374	1092	5	.	.	PUNCT
fsr-3374	1092	6	02	02	NUM
fsr-3374	1092	7	20	20	NUM
fsr-3374	1092	8	0	0	NUM
fsr-3374	1092	9	.	.	PUNCT
fsr-3374	1093	1	01	01	NUM
fsr-3374	1093	2	07	07	NUM
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fsr-3374	1093	11	.	.	PUNCT
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fsr-3374	1107	3	.	.	PUNCT
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fsr-3374	1176	5	.	.	PUNCT
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fsr-3374	1180	4	.	.	PUNCT
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fsr-3374	1187	7	.	.	PUNCT
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fsr-3374	1203	1	0	0	X
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fsr-3374	1207	6	0	0	X
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fsr-3374	1333	40	%	%	NOUN
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fsr-3374	1333	47	si	si	PROPN
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fsr-3374	1333	54	5	5	NUM
fsr-3374	1333	55	%	%	NOUN
fsr-3374	1333	56	le	le	X
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fsr-3374	1334	1	*	*	PUNCT
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fsr-3374	1334	4	s	s	X
fsr-3374	1334	5	ig	ig	PROPN
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fsr-3374	1334	10	at	at	ADP
fsr-3374	1334	11	1	1	NUM
fsr-3374	1334	12	%	%	NOUN
fsr-3374	1334	13	le	le	X
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fsr-3374	1334	15	l.	l.	PROPN
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fsr-3374	1335	1	alyousif	alyousif	PROPN
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fsr-3374	1335	3	c.m	c.m	PROPN
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fsr-3374	1335	11	(	(	PUNCT
fsr-3374	1335	12	2017	2017	NUM
fsr-3374	1335	13	)	)	PUNCT
fsr-3374	1336	1	405–432	405–432	NUM
fsr-3374	1336	2	t	t	PROPN
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fsr-3374	1336	4	le	le	X
fsr-3374	1336	5	13	13	NUM
fsr-3374	1336	6	fi	fi	NOUN
fsr-3374	1336	7	na	na	PROPN
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fsr-3374	1336	13	ce	ce	X
fsr-3374	1336	14	pr	pr	NOUN
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fsr-3374	1336	17	(	(	PUNCT
fsr-3374	1336	18	t	t	NOUN
fsr-3374	1336	19	he	he	PRON
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fsr-3374	1336	36	d	d	X
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fsr-3374	1336	45	or	or	CCONJ
fsr-3374	1336	46	tg	tg	PROPN
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fsr-3374	1336	48	e/	e/	INTJ
fsr-3374	1336	49	lo	lo	PROPN
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fsr-3374	1337	2	in	in	ADP
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fsr-3374	1337	8	ax	ax	NOUN
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fsr-3374	1337	10	an	an	DET
fsr-3374	1337	11	ni	ni	PROPN
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fsr-3374	1337	19	s	s	PROPN
fsr-3374	1337	20	(	(	PUNCT
fsr-3374	1337	21	s	s	NOUN
fsr-3374	1337	22	e	e	NOUN
fsr-3374	1337	23	)	)	PUNCT
fsr-3374	1338	1	m	m	PROPN
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fsr-3374	1338	3	g.	g.	PROPN
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fsr-3374	1338	5	fe	fe	PROPN
fsr-3374	1339	1	ct	ct	NUM
fsr-3374	1339	2	s	s	PROPN
fsr-3374	1339	3	(	(	PUNCT
fsr-3374	1339	4	s	s	NOUN
fsr-3374	1339	5	e	e	NOUN
fsr-3374	1339	6	)	)	PUNCT
fsr-3374	1339	7	m	m	PROPN
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fsr-3374	1339	9	g.	g.	PROPN
fsr-3374	1339	10	ef	ef	PROPN
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fsr-3374	1339	13	s	s	PROPN
fsr-3374	1339	14	(	(	PUNCT
fsr-3374	1339	15	s	s	NOUN
fsr-3374	1339	16	e	e	NOUN
fsr-3374	1339	17	)	)	PUNCT
fsr-3374	1339	18	m	m	PROPN
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fsr-3374	1339	21	(	(	PUNCT
fsr-3374	1339	22	s	s	NOUN
fsr-3374	1339	23	e	e	NOUN
fsr-3374	1339	24	)	)	PUNCT
fsr-3374	1339	25	g	g	PROPN
fsr-3374	1339	26	en	en	X
fsr-3374	1339	27	de	de	X
fsr-3374	1339	28	r	r	X
fsr-3374	1339	29	(	(	PUNCT
fsr-3374	1339	30	m	m	PROPN
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fsr-3374	1339	32	e	e	PROPN
fsr-3374	1339	33	)	)	PUNCT
fsr-3374	1339	34	fe	fe	X
fsr-3374	1339	35	m	m	PROPN
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fsr-3374	1339	39	.	.	PUNCT
fsr-3374	1339	40	00	00	NUM
fsr-3374	1340	1	39	39	NUM
fsr-3374	1340	2	0	0	NUM
fsr-3374	1340	3	.	.	PUNCT
fsr-3374	1340	4	00	00	NUM
fsr-3374	1341	1	59	59	NUM
fsr-3374	1341	2	0	0	NUM
fsr-3374	1341	3	.	.	PUNCT
fsr-3374	1342	1	01	01	NUM
fsr-3374	1342	2	61	61	NUM
fsr-3374	1342	3	0	0	NUM
fsr-3374	1342	4	.	.	PUNCT
fsr-3374	1342	5	00	00	NUM
fsr-3374	1343	1	71	71	NUM
fsr-3374	1344	1	*	*	PUNCT
fsr-3374	1344	2	*	*	NOUN
fsr-3374	1344	3	0	0	NUM
fsr-3374	1344	4	.	.	NUM
fsr-3374	1344	5	06	06	NUM
fsr-3374	1345	1	67	67	NUM
fsr-3374	1345	2	0	0	NUM
fsr-3374	1345	3	.	.	PUNCT
fsr-3374	1345	4	00	00	NUM
fsr-3374	1346	1	89	89	NUM
fsr-3374	1347	1	*	*	PUNCT
fsr-3374	1347	2	*	*	PUNCT
fsr-3374	1348	1	*	*	PUNCT
fsr-3374	1348	2	0	0	NUM
fsr-3374	1348	3	.	.	NOUN
fsr-3374	1348	4	03	03	NUM
fsr-3374	1349	1	30	30	NUM
fsr-3374	1349	2	0	0	NUM
fsr-3374	1349	3	.	.	PUNCT
fsr-3374	1349	4	00	00	NUM
fsr-3374	1350	1	66	66	NUM
fsr-3374	1351	1	*	*	PUNCT
fsr-3374	1351	2	*	*	PUNCT
fsr-3374	1351	3	*	*	PUNCT
fsr-3374	1351	4	r	r	X
fsr-3374	1351	5	ac	ac	NOUN
fsr-3374	1351	6	e	e	PROPN
fsr-3374	1351	7	(	(	PUNCT
fsr-3374	1351	8	n	n	CCONJ
fsr-3374	1351	9	on	on	ADP
fsr-3374	1351	10	-w	-w	PUNCT
fsr-3374	1351	11	hi	hi	INTJ
fsr-3374	1351	12	te	te	PROPN
fsr-3374	1351	13	)	)	PUNCT
fsr-3374	1352	1	w	w	ADP
fsr-3374	1352	2	hi	hi	INTJ
fsr-3374	1352	3	te	te	ADP
fsr-3374	1352	4	�	�	PROPN
fsr-3374	1352	5	0	0	NUM
fsr-3374	1352	6	.	.	PUNCT
fsr-3374	1353	1	02	02	NUM
fsr-3374	1353	2	99	99	NUM
fsr-3374	1353	3	0	0	NUM
fsr-3374	1353	4	.	.	PUNCT
fsr-3374	1353	5	00	00	NUM
fsr-3374	1354	1	69	69	NUM
fsr-3374	1355	1	*	*	PUNCT
fsr-3374	1355	2	*	*	PUNCT
fsr-3374	1356	1	*	*	PUNCT
fsr-3374	1356	2	0	0	NUM
fsr-3374	1356	3	.	.	NOUN
fsr-3374	1356	4	03	03	NUM
fsr-3374	1357	1	02	02	NUM
fsr-3374	1357	2	0	0	NUM
fsr-3374	1357	3	.	.	PUNCT
fsr-3374	1357	4	00	00	NUM
fsr-3374	1358	1	90	90	NUM
fsr-3374	1359	1	*	*	PUNCT
fsr-3374	1359	2	*	*	PUNCT
fsr-3374	1360	1	*	*	PUNCT
fsr-3374	1360	2	0	0	NUM
fsr-3374	1360	3	.	.	NUM
fsr-3374	1360	4	00	00	NUM
fsr-3374	1361	1	24	24	NUM
fsr-3374	1361	2	0	0	NUM
fsr-3374	1361	3	.	.	PUNCT
fsr-3374	1362	1	01	01	NUM
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fsr-3374	1362	3	0	0	NUM
fsr-3374	1362	4	.	.	PUNCT
fsr-3374	1363	1	02	02	NUM
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fsr-3374	1363	3	0	0	NUM
fsr-3374	1363	4	.	.	PUNCT
fsr-3374	1363	5	00	00	NUM
fsr-3374	1363	6	85	85	NUM
fsr-3374	1364	1	*	*	PUNCT
fsr-3374	1364	2	*	*	PUNCT
fsr-3374	1364	3	e	e	X
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fsr-3374	1364	6	tio	tio	VERB
fsr-3374	1364	7	n	n	ADV
fsr-3374	1364	8	le	le	X
fsr-3374	1364	9	ve	ve	VERB
fsr-3374	1364	10	l	l	NOUN
fsr-3374	1364	11	(	(	PUNCT
fsr-3374	1364	12	c	c	NOUN
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fsr-3374	1364	16	or	or	CCONJ
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fsr-3374	1364	18	or	or	CCONJ
fsr-3374	1364	19	e	e	X
fsr-3374	1364	20	)	)	PUNCT
fsr-3374	1364	21	h	h	NOUN
fsr-3374	1365	1	ig	ig	PROPN
fsr-3374	1365	2	h	h	PROPN
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fsr-3374	1365	7	le	le	ADP
fsr-3374	1365	8	ss	ss	PROPN
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fsr-3374	1365	11	.	.	PUNCT
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fsr-3374	1365	15	.	.	PUNCT
fsr-3374	1365	16	00	00	NUM
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fsr-3374	1367	1	*	*	PUNCT
fsr-3374	1367	2	*	*	PUNCT
fsr-3374	1367	3	*	*	PUNCT
fsr-3374	1367	4	�	�	PROPN
fsr-3374	1367	5	0	0	NUM
fsr-3374	1367	6	.	.	NOUN
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fsr-3374	1367	9	0	0	NUM
fsr-3374	1367	10	.	.	PUNCT
fsr-3374	1367	11	00	00	NUM
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fsr-3374	1369	1	*	*	PUNCT
fsr-3374	1369	2	*	*	PUNCT
fsr-3374	1369	3	*	*	PUNCT
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fsr-3374	1369	5	0	0	NUM
fsr-3374	1369	6	.	.	PUNCT
fsr-3374	1370	1	07	07	NUM
fsr-3374	1370	2	00	00	NUM
fsr-3374	1370	3	0	0	NUM
fsr-3374	1370	4	.	.	NOUN
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fsr-3374	1372	1	*	*	PUNCT
fsr-3374	1372	2	*	*	PUNCT
fsr-3374	1372	3	*	*	PUNCT
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fsr-3374	1372	5	0	0	NUM
fsr-3374	1372	6	.	.	NUM
fsr-3374	1372	7	06	06	NUM
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fsr-3374	1373	3	.	.	PUNCT
fsr-3374	1373	4	00	00	NUM
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fsr-3374	1375	1	*	*	PUNCT
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fsr-3374	1375	3	*	*	PUNCT
fsr-3374	1375	4	so	so	ADV
fsr-3374	1375	5	m	m	VERB
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fsr-3374	1375	13	01	01	NUM
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fsr-3374	1375	16	.	.	PUNCT
fsr-3374	1375	17	00	00	NUM
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fsr-3374	1376	4	.	.	PUNCT
fsr-3374	1376	5	00	00	NUM
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fsr-3374	1376	7	0	0	NUM
fsr-3374	1376	8	.	.	PUNCT
fsr-3374	1376	9	00	00	NUM
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fsr-3374	1377	3	.	.	PUNCT
fsr-3374	1377	4	00	00	NUM
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fsr-3374	1378	3	.	.	PUNCT
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fsr-3374	1379	5	.	.	PUNCT
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fsr-3374	1379	9	.	.	PUNCT
fsr-3374	1379	10	00	00	NUM
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fsr-3374	1381	1	*	*	PUNCT
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fsr-3374	1381	4	m	m	PROPN
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fsr-3374	1383	4	.	.	PROPN
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fsr-3374	1384	4	.	.	PUNCT
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fsr-3374	1385	4	.	.	PUNCT
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fsr-3374	1386	5	.	.	PUNCT
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fsr-3374	1387	3	.	.	PUNCT
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fsr-3374	1388	5	.	.	PUNCT
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fsr-3374	1390	3	.	.	PUNCT
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fsr-3374	1391	8	.	.	PUNCT
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fsr-3374	1392	4	.	.	PUNCT
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fsr-3374	1393	3	.	.	PUNCT
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fsr-3374	1396	3	.	.	PUNCT
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fsr-3374	1397	3	.	.	PUNCT
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fsr-3374	1399	3	.	.	PUNCT
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fsr-3374	1402	2	0	0	NUM
fsr-3374	1402	3	.	.	NOUN
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fsr-3374	1403	3	.	.	PUNCT
fsr-3374	1404	1	01	01	NUM
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fsr-3374	1406	2	0	0	X
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fsr-3374	1408	3	.	.	PUNCT
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fsr-3374	1410	9	.	.	PROPN
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fsr-3374	1411	3	.	.	PUNCT
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fsr-3374	1412	4	.	.	PUNCT
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fsr-3374	1414	3	.	.	PUNCT
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fsr-3374	1417	2	0	0	X
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fsr-3374	1419	3	.	.	PUNCT
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fsr-3374	1422	3	.	.	NUM
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fsr-3374	1423	3	.	.	PUNCT
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fsr-3374	1424	21	.	.	NUM
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fsr-3374	1424	25	.	.	PUNCT
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fsr-3374	1427	3	.	.	X
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fsr-3374	1428	3	.	.	PUNCT
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fsr-3374	1429	5	.	.	NOUN
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fsr-3374	1429	9	.	.	PUNCT
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fsr-3374	1431	1	*	*	PUNCT
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fsr-3374	1434	3	.	.	PUNCT
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fsr-3374	1436	1	*	*	PUNCT
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fsr-3374	1437	3	.	.	NUM
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fsr-3374	1438	3	.	.	PUNCT
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fsr-3374	1440	1	*	*	PUNCT
fsr-3374	1440	2	0	0	X
fsr-3374	1440	3	.	.	NOUN
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fsr-3374	1441	3	.	.	PUNCT
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fsr-3374	1443	1	*	*	PUNCT
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fsr-3374	1444	1	*	*	PUNCT
fsr-3374	1444	2	0	0	X
fsr-3374	1444	3	.	.	NUM
fsr-3374	1444	4	01	01	NUM
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fsr-3374	1445	3	.	.	PUNCT
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fsr-3374	1447	3	.	.	PUNCT
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fsr-3374	1448	3	.	.	PUNCT
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fsr-3374	1449	4	.	.	PUNCT
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fsr-3374	1452	3	.	.	PUNCT
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fsr-3374	1454	3	.	.	PUNCT
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fsr-3374	1457	3	.	.	PUNCT
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fsr-3374	1460	1	*	*	PUNCT
fsr-3374	1460	2	0	0	X
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fsr-3374	1462	3	.	.	PUNCT
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fsr-3374	1465	3	.	.	NUM
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fsr-3374	1466	3	.	.	PUNCT
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fsr-3374	1470	3	.	.	PUNCT
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fsr-3374	1471	22	.	.	PUNCT
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fsr-3374	1472	4	.	.	PUNCT
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fsr-3374	1475	3	.	.	NOUN
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fsr-3374	1478	3	.	.	NOUN
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fsr-3374	1479	4	.	.	PUNCT
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fsr-3374	1482	1	*	*	PUNCT
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fsr-3374	1494	3	.	.	PUNCT
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fsr-3374	1497	7	.	.	PUNCT
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fsr-3374	1502	3	.	.	X
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fsr-3374	1503	4	.	.	PUNCT
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fsr-3374	1506	7	.	.	PUNCT
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fsr-3374	1507	6	0	0	X
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fsr-3374	1509	7	,	,	PUNCT
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fsr-3374	1511	3	.	.	PUNCT
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fsr-3374	1514	3	.	.	PROPN
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fsr-3374	1514	7	.	.	PUNCT
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fsr-3374	1517	7	.	.	PUNCT
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fsr-3374	1520	3	.	.	X
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fsr-3374	1520	7	.	.	PUNCT
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fsr-3374	1525	3	.	.	NOUN
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fsr-3374	1525	7	.	.	PUNCT
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fsr-3374	1528	2	0	0	X
fsr-3374	1528	3	.	.	NOUN
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fsr-3374	1528	7	.	.	PUNCT
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fsr-3374	1534	7	,	,	PUNCT
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fsr-3374	1534	13	e	e	NOUN
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fsr-3374	1540	4	.	.	PUNCT
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fsr-3374	1542	3	.	.	NOUN
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fsr-3374	1542	7	.	.	PUNCT
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fsr-3374	1546	2	0	0	X
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fsr-3374	1546	7	.	.	PUNCT
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fsr-3374	1549	3	.	.	PUNCT
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fsr-3374	1550	3	.	.	PUNCT
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fsr-3374	1555	2	0	0	X
fsr-3374	1555	3	.	.	NOUN
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fsr-3374	1555	7	.	.	PUNCT
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fsr-3374	1561	8	.	.	PUNCT
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fsr-3374	1562	3	.	.	PUNCT
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fsr-3374	1569	1	0	0	X
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fsr-3374	1577	15	00	00	NUM
fsr-3374	1578	1	51	51	NUM
fsr-3374	1578	2	0	0	NUM
fsr-3374	1578	3	.	.	PUNCT
fsr-3374	1579	1	01	01	NUM
fsr-3374	1579	2	04	04	NUM
fsr-3374	1579	3	�	�	PROPN
fsr-3374	1579	4	0	0	NUM
fsr-3374	1579	5	.	.	PUNCT
fsr-3374	1579	6	05	05	NUM
fsr-3374	1580	1	16	16	NUM
fsr-3374	1580	2	0	0	NUM
fsr-3374	1580	3	.	.	PUNCT
fsr-3374	1581	1	01	01	NUM
fsr-3374	1581	2	49	49	NUM
fsr-3374	1582	1	*	*	PUNCT
fsr-3374	1582	2	*	*	PUNCT
fsr-3374	1582	3	*	*	PUNCT
fsr-3374	1582	4	�	�	PROPN
fsr-3374	1582	5	0	0	NUM
fsr-3374	1582	6	.	.	PUNCT
fsr-3374	1583	1	02	02	NUM
fsr-3374	1583	2	11	11	NUM
fsr-3374	1583	3	0	0	NUM
fsr-3374	1583	4	.	.	PUNCT
fsr-3374	1584	1	01	01	NUM
fsr-3374	1584	2	82	82	NUM
fsr-3374	1584	3	�	�	PROPN
fsr-3374	1584	4	0	0	NUM
fsr-3374	1584	5	.	.	PUNCT
fsr-3374	1584	6	02	02	NUM
fsr-3374	1584	7	71	71	NUM
fsr-3374	1584	8	0	0	NUM
fsr-3374	1584	9	.	.	PUNCT
fsr-3374	1584	10	01	01	NUM
fsr-3374	1585	1	52	52	NUM
fsr-3374	1585	2	*	*	PUNCT
fsr-3374	1585	3	m	m	VERB
fsr-3374	1585	4	ed	ed	NOUN
fsr-3374	1585	5	iu	iu	ADP
fsr-3374	1585	6	m	m	PROPN
fsr-3374	1585	7	�	�	PROPN
fsr-3374	1585	8	0	0	NUM
fsr-3374	1585	9	.	.	PUNCT
fsr-3374	1585	10	00	00	NUM
fsr-3374	1586	1	98	98	NUM
fsr-3374	1586	2	0	0	NUM
fsr-3374	1586	3	.	.	PUNCT
fsr-3374	1586	4	00	00	NUM
fsr-3374	1587	1	82	82	NUM
fsr-3374	1587	2	�	�	PROPN
fsr-3374	1587	3	0	0	NUM
fsr-3374	1587	4	.	.	PUNCT
fsr-3374	1587	5	00	00	NUM
fsr-3374	1588	1	81	81	NUM
fsr-3374	1588	2	0	0	NUM
fsr-3374	1588	3	.	.	PUNCT
fsr-3374	1589	1	01	01	NUM
fsr-3374	1589	2	11	11	NUM
fsr-3374	1589	3	�	�	PROPN
fsr-3374	1589	4	0	0	NUM
fsr-3374	1589	5	.	.	PROPN
fsr-3374	1589	6	01	01	NUM
fsr-3374	1589	7	11	11	NUM
fsr-3374	1589	8	0	0	NUM
fsr-3374	1589	9	.	.	PUNCT
fsr-3374	1590	1	01	01	NUM
fsr-3374	1590	2	37	37	NUM
fsr-3374	1590	3	�	�	PROPN
fsr-3374	1590	4	0	0	NUM
fsr-3374	1590	5	.	.	PROPN
fsr-3374	1590	6	01	01	NUM
fsr-3374	1590	7	06	06	NUM
fsr-3374	1590	8	0	0	NUM
fsr-3374	1590	9	.	.	PROPN
fsr-3374	1591	1	01	01	NUM
fsr-3374	1591	2	10	10	NUM
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fsr-3374	1591	9	er	er	INTJ
fsr-3374	1591	10	ac	ac	NOUN
fsr-3374	1591	11	y	y	PROPN
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fsr-3374	1591	13	0	0	PROPN
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fsr-3374	1591	15	00	00	NUM
fsr-3374	1592	1	25	25	NUM
fsr-3374	1592	2	0	0	NUM
fsr-3374	1592	3	.	.	PUNCT
fsr-3374	1592	4	00	00	NUM
fsr-3374	1593	1	23	23	NUM
fsr-3374	1593	2	0	0	NUM
fsr-3374	1593	3	.	.	PUNCT
fsr-3374	1594	1	01	01	NUM
fsr-3374	1594	2	88	88	NUM
fsr-3374	1594	3	0	0	NUM
fsr-3374	1594	4	.	.	PUNCT
fsr-3374	1594	5	00	00	NUM
fsr-3374	1595	1	29	29	NUM
fsr-3374	1596	1	*	*	PUNCT
fsr-3374	1596	2	*	*	PUNCT
fsr-3374	1597	1	*	*	PUNCT
fsr-3374	1597	2	0	0	X
fsr-3374	1597	3	.	.	NUM
fsr-3374	1597	4	02	02	NUM
fsr-3374	1598	1	52	52	NUM
fsr-3374	1598	2	0	0	NUM
fsr-3374	1598	3	.	.	PUNCT
fsr-3374	1598	4	00	00	NUM
fsr-3374	1599	1	35	35	NUM
fsr-3374	1600	1	*	*	PUNCT
fsr-3374	1600	2	*	*	PUNCT
fsr-3374	1601	1	*	*	PUNCT
fsr-3374	1601	2	0	0	NUM
fsr-3374	1601	3	.	.	NUM
fsr-3374	1601	4	01	01	NUM
fsr-3374	1602	1	92	92	NUM
fsr-3374	1602	2	0	0	NUM
fsr-3374	1602	3	.	.	PUNCT
fsr-3374	1602	4	00	00	NUM
fsr-3374	1603	1	27	27	NUM
fsr-3374	1604	1	*	*	PUNCT
fsr-3374	1604	2	*	*	PUNCT
fsr-3374	1604	3	*	*	PUNCT
fsr-3374	1604	4	fi	fi	INTJ
fsr-3374	1604	5	na	na	PROPN
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fsr-3374	1605	1	ty	ty	INTJ
fsr-3374	1605	2	0	0	NUM
fsr-3374	1605	3	.	.	PUNCT
fsr-3374	1606	1	02	02	NUM
fsr-3374	1606	2	46	46	NUM
fsr-3374	1606	3	0	0	NUM
fsr-3374	1606	4	.	.	PUNCT
fsr-3374	1606	5	00	00	NUM
fsr-3374	1607	1	21	21	NUM
fsr-3374	1607	2	*	*	PUNCT
fsr-3374	1607	3	*	*	PUNCT
fsr-3374	1607	4	*	*	PUNCT
fsr-3374	1607	5	0	0	NUM
fsr-3374	1607	6	.	.	NUM
fsr-3374	1607	7	00	00	NUM
fsr-3374	1608	1	92	92	NUM
fsr-3374	1608	2	0	0	NUM
fsr-3374	1608	3	.	.	PUNCT
fsr-3374	1608	4	00	00	NUM
fsr-3374	1609	1	26	26	NUM
fsr-3374	1610	1	*	*	PUNCT
fsr-3374	1610	2	*	*	PUNCT
fsr-3374	1610	3	*	*	PUNCT
fsr-3374	1610	4	�	�	PROPN
fsr-3374	1610	5	0	0	NUM
fsr-3374	1610	6	.	.	PROPN
fsr-3374	1610	7	00	00	NUM
fsr-3374	1611	1	64	64	NUM
fsr-3374	1611	2	0	0	NUM
fsr-3374	1611	3	.	.	PUNCT
fsr-3374	1611	4	00	00	NUM
fsr-3374	1612	1	33	33	NUM
fsr-3374	1612	2	*	*	PUNCT
fsr-3374	1612	3	�	�	PROPN
fsr-3374	1612	4	0	0	NUM
fsr-3374	1612	5	.	.	PROPN
fsr-3374	1612	6	01	01	NUM
fsr-3374	1612	7	49	49	NUM
fsr-3374	1612	8	0	0	NUM
fsr-3374	1612	9	.	.	PUNCT
fsr-3374	1612	10	00	00	NUM
fsr-3374	1613	1	26	26	NUM
fsr-3374	1614	1	*	*	PUNCT
fsr-3374	1614	2	*	*	PUNCT
fsr-3374	1614	3	*	*	PUNCT
fsr-3374	1614	4	n	n	AUX
fsr-3374	1614	5	um	um	INTJ
fsr-3374	1614	6	be	be	AUX
fsr-3374	1614	7	r	r	NOUN
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fsr-3374	1614	9	ob	ob	X
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fsr-3374	1614	13	io	io	PROPN
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fsr-3374	1614	16	,	,	PUNCT
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fsr-3374	1614	20	,	,	PUNCT
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fsr-3374	1614	28	,	,	PUNCT
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fsr-3374	1614	31	*	*	SYM
fsr-3374	1614	32	s	s	PART
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fsr-3374	1614	40	%	%	NOUN
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fsr-3374	1614	44	;	;	PUNCT
fsr-3374	1614	45	*	*	PUNCT
fsr-3374	1614	46	*	*	PUNCT
fsr-3374	1614	47	si	si	PROPN
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fsr-3374	1614	56	le	le	X
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fsr-3374	1614	59	;	;	PUNCT
fsr-3374	1615	1	*	*	PUNCT
fsr-3374	1615	2	*	*	PUNCT
fsr-3374	1615	3	*	*	PUNCT
fsr-3374	1615	4	s	s	AUX
fsr-3374	1615	5	ig	ig	PROPN
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fsr-3374	1615	7	fic	fic	PROPN
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fsr-3374	1615	10	at	at	ADP
fsr-3374	1615	11	1	1	NUM
fsr-3374	1615	12	%	%	NOUN
fsr-3374	1615	13	le	le	X
fsr-3374	1615	14	ve	ve	AUX
fsr-3374	1615	15	l.	l.	PROPN
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fsr-3374	1615	21	c.m	c.m	PROPN
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fsr-3374	1615	28	26	26	NUM
fsr-3374	1615	29	(	(	PUNCT
fsr-3374	1615	30	2017	2017	NUM
fsr-3374	1615	31	)	)	PUNCT
fsr-3374	1616	1	405–432	405–432	NUM
fsr-3374	1617	1	t	t	PROPN
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fsr-3374	1617	3	le	le	PROPN
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fsr-3374	1617	5	fi	fi	NOUN
fsr-3374	1617	6	na	na	PROPN
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fsr-3374	1617	10	ad	ad	PROPN
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fsr-3374	1617	12	ce	ce	X
fsr-3374	1617	13	pr	pr	NOUN
fsr-3374	1617	14	ob	ob	INTJ
fsr-3374	1617	15	it	it	PRON
fsr-3374	1617	16	(	(	PUNCT
fsr-3374	1617	17	t	t	X
fsr-3374	1617	18	he	he	PRON
fsr-3374	1617	19	fin	fin	VERB
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fsr-3374	1617	21	ci	ci	NOUN
fsr-3374	1617	22	al	al	PROPN
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fsr-3374	1617	25	ite	ite	PROPN
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fsr-3374	1617	28	)	)	PUNCT
fsr-3374	1617	29	in	in	ADP
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fsr-3374	1617	31	pe	pe	X
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fsr-3374	1617	40	d	d	X
fsr-3374	1617	41	eb	eb	PROPN
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fsr-3374	1617	51	s/	s/	VERB
fsr-3374	1617	52	in	in	ADP
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fsr-3374	1619	15	(	(	PUNCT
fsr-3374	1619	16	s	s	NOUN
fsr-3374	1619	17	e	e	NOUN
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fsr-3374	1619	26	(	(	PUNCT
fsr-3374	1619	27	s	s	NOUN
fsr-3374	1619	28	e	e	NOUN
fsr-3374	1619	29	)	)	PUNCT
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fsr-3374	1619	37	(	(	PUNCT
fsr-3374	1619	38	s	s	NOUN
fsr-3374	1619	39	e	e	NOUN
fsr-3374	1619	40	)	)	PUNCT
fsr-3374	1619	41	m	m	PROPN
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fsr-3374	1619	47	s	s	PROPN
fsr-3374	1619	48	(	(	PUNCT
fsr-3374	1619	49	s	s	NOUN
fsr-3374	1619	50	e	e	NOUN
fsr-3374	1619	51	)	)	PUNCT
fsr-3374	1619	52	g	g	PROPN
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fsr-3374	1619	55	r	r	X
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fsr-3374	1619	57	m	m	PROPN
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fsr-3374	1619	61	fe	fe	X
fsr-3374	1619	62	m	m	PROPN
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fsr-3374	1619	74	*	*	PUNCT
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fsr-3374	1619	82	.	.	PUNCT
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fsr-3374	1620	5	.	.	PROPN
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fsr-3374	1621	6	.	.	PUNCT
fsr-3374	1621	7	02	02	NUM
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fsr-3374	1621	9	0	0	NUM
fsr-3374	1621	10	.	.	PUNCT
fsr-3374	1621	11	00	00	NUM
fsr-3374	1622	1	99	99	NUM
fsr-3374	1623	1	*	*	PUNCT
fsr-3374	1623	2	*	*	PUNCT
fsr-3374	1623	3	r	r	VERB
fsr-3374	1623	4	ac	ac	PROPN
fsr-3374	1623	5	e	e	PROPN
fsr-3374	1623	6	(	(	PUNCT
fsr-3374	1623	7	n	n	CCONJ
fsr-3374	1623	8	on	on	ADP
fsr-3374	1623	9	-w	-w	PUNCT
fsr-3374	1623	10	hi	hi	INTJ
fsr-3374	1623	11	te	te	PROPN
fsr-3374	1623	12	)	)	PUNCT
fsr-3374	1623	13	w	w	ADP
fsr-3374	1623	14	hi	hi	INTJ
fsr-3374	1623	15	te	te	ADP
fsr-3374	1623	16	�	�	PROPN
fsr-3374	1623	17	0	0	NUM
fsr-3374	1623	18	.	.	PUNCT
fsr-3374	1623	19	03	03	NUM
fsr-3374	1624	1	01	01	NUM
fsr-3374	1624	2	0	0	NUM
fsr-3374	1624	3	.	.	PUNCT
fsr-3374	1624	4	00	00	NUM
fsr-3374	1625	1	86	86	NUM
fsr-3374	1626	1	*	*	PUNCT
fsr-3374	1626	2	*	*	PUNCT
fsr-3374	1626	3	*	*	PUNCT
fsr-3374	1626	4	�	�	PROPN
fsr-3374	1626	5	0	0	NUM
fsr-3374	1626	6	.	.	PROPN
fsr-3374	1627	1	01	01	NUM
fsr-3374	1627	2	84	84	NUM
fsr-3374	1627	3	0	0	NUM
fsr-3374	1627	4	.	.	PUNCT
fsr-3374	1628	1	01	01	NUM
fsr-3374	1628	2	15	15	NUM
fsr-3374	1628	3	0	0	NUM
fsr-3374	1628	4	.	.	PUNCT
fsr-3374	1628	5	00	00	NUM
fsr-3374	1629	1	49	49	NUM
fsr-3374	1629	2	0	0	NUM
fsr-3374	1629	3	.	.	PUNCT
fsr-3374	1630	1	01	01	NUM
fsr-3374	1630	2	06	06	NUM
fsr-3374	1630	3	�	�	PROPN
fsr-3374	1630	4	0	0	NUM
fsr-3374	1630	5	.	.	PUNCT
fsr-3374	1630	6	02	02	NUM
fsr-3374	1630	7	10	10	NUM
fsr-3374	1630	8	0	0	NUM
fsr-3374	1630	9	.	.	PUNCT
fsr-3374	1631	1	01	01	NUM
fsr-3374	1631	2	00	00	PUNCT
fsr-3374	1632	1	*	*	PUNCT
fsr-3374	1632	2	*	*	PUNCT
fsr-3374	1632	3	a	a	DET
fsr-3374	1632	4	ge	ge	PROPN
fsr-3374	1632	5	(	(	PUNCT
fsr-3374	1632	6	6	6	NUM
fsr-3374	1632	7	5	5	NUM
fsr-3374	1632	8	�	�	PROPN
fsr-3374	1632	9	)	)	PUNCT
fsr-3374	1632	10	18	18	NUM
fsr-3374	1632	11	–	–	SYM
fsr-3374	1632	12	2	2	NUM
fsr-3374	1632	13	4	4	NUM
fsr-3374	1632	14	0	0	NUM
fsr-3374	1632	15	.	.	PUNCT
fsr-3374	1632	16	01	01	NUM
fsr-3374	1633	1	38	38	NUM
fsr-3374	1633	2	0	0	NUM
fsr-3374	1633	3	.	.	PUNCT
fsr-3374	1634	1	01	01	NUM
fsr-3374	1634	2	94	94	NUM
fsr-3374	1634	3	0	0	NUM
fsr-3374	1634	4	.	.	PUNCT
fsr-3374	1634	5	03	03	NUM
fsr-3374	1635	1	17	17	NUM
fsr-3374	1635	2	0	0	NUM
fsr-3374	1635	3	.	.	PUNCT
fsr-3374	1636	1	02	02	NUM
fsr-3374	1636	2	26	26	NUM
fsr-3374	1636	3	0	0	NUM
fsr-3374	1636	4	.	.	PUNCT
fsr-3374	1637	1	10	10	NUM
fsr-3374	1637	2	17	17	NUM
fsr-3374	1637	3	0	0	NUM
fsr-3374	1637	4	.	.	PUNCT
fsr-3374	1638	1	02	02	NUM
fsr-3374	1638	2	34	34	NUM
fsr-3374	1638	3	*	*	PUNCT
fsr-3374	1638	4	*	*	PUNCT
fsr-3374	1639	1	*	*	PUNCT
fsr-3374	1639	2	0	0	NUM
fsr-3374	1639	3	.	.	NUM
fsr-3374	1639	4	06	06	NUM
fsr-3374	1640	1	91	91	NUM
fsr-3374	1640	2	0	0	NUM
fsr-3374	1640	3	.	.	PUNCT
fsr-3374	1641	1	02	02	NUM
fsr-3374	1641	2	14	14	NUM
fsr-3374	1641	3	*	*	PUNCT
fsr-3374	1641	4	*	*	PUNCT
fsr-3374	1641	5	*	*	PUNCT
fsr-3374	1641	6	25	25	NUM
fsr-3374	1641	7	–	–	SYM
fsr-3374	1641	8	3	3	NUM
fsr-3374	1641	9	4	4	NUM
fsr-3374	1641	10	0	0	NUM
fsr-3374	1641	11	.	.	PUNCT
fsr-3374	1642	1	02	02	NUM
fsr-3374	1642	2	37	37	NUM
fsr-3374	1642	3	0	0	NUM
fsr-3374	1642	4	.	.	PUNCT
fsr-3374	1643	1	01	01	NUM
fsr-3374	1643	2	84	84	NUM
fsr-3374	1643	3	�	�	PROPN
fsr-3374	1643	4	0	0	NUM
fsr-3374	1643	5	.	.	PUNCT
fsr-3374	1643	6	00	00	NUM
fsr-3374	1644	1	91	91	NUM
fsr-3374	1644	2	0	0	NUM
fsr-3374	1644	3	.	.	PUNCT
fsr-3374	1645	1	02	02	NUM
fsr-3374	1645	2	22	22	NUM
fsr-3374	1645	3	0	0	NUM
fsr-3374	1645	4	.	.	PUNCT
fsr-3374	1646	1	10	10	NUM
fsr-3374	1646	2	95	95	NUM
fsr-3374	1646	3	0	0	NUM
fsr-3374	1646	4	.	.	PUNCT
fsr-3374	1647	1	02	02	NUM
fsr-3374	1647	2	20	20	NUM
fsr-3374	1647	3	*	*	PUNCT
fsr-3374	1647	4	*	*	PUNCT
fsr-3374	1647	5	*	*	PUNCT
fsr-3374	1647	6	0	0	NUM
fsr-3374	1647	7	.	.	NOUN
fsr-3374	1647	8	04	04	NUM
fsr-3374	1648	1	54	54	NUM
fsr-3374	1648	2	0	0	NUM
fsr-3374	1648	3	.	.	PUNCT
fsr-3374	1649	1	02	02	NUM
fsr-3374	1649	2	06	06	NUM
fsr-3374	1650	1	*	*	PUNCT
fsr-3374	1650	2	*	*	SYM
fsr-3374	1650	3	35	35	NUM
fsr-3374	1650	4	–	–	SYM
fsr-3374	1650	5	4	4	NUM
fsr-3374	1650	6	4	4	NUM
fsr-3374	1650	7	�	�	NOUN
fsr-3374	1650	8	0	0	NUM
fsr-3374	1650	9	.	.	PUNCT
fsr-3374	1650	10	00	00	NUM
fsr-3374	1651	1	84	84	NUM
fsr-3374	1651	2	0	0	NUM
fsr-3374	1651	3	.	.	PUNCT
fsr-3374	1652	1	01	01	NUM
fsr-3374	1652	2	92	92	NUM
fsr-3374	1652	3	�	�	PROPN
fsr-3374	1652	4	0	0	NUM
fsr-3374	1652	5	.	.	PROPN
fsr-3374	1652	6	09	09	NUM
fsr-3374	1652	7	44	44	NUM
fsr-3374	1652	8	0	0	NUM
fsr-3374	1652	9	.	.	PUNCT
fsr-3374	1652	10	02	02	NUM
fsr-3374	1652	11	29	29	NUM
fsr-3374	1653	1	*	*	PUNCT
fsr-3374	1653	2	*	*	PUNCT
fsr-3374	1654	1	*	*	PUNCT
fsr-3374	1654	2	0	0	NUM
fsr-3374	1654	3	.	.	NOUN
fsr-3374	1654	4	04	04	NUM
fsr-3374	1655	1	53	53	NUM
fsr-3374	1655	2	0	0	NUM
fsr-3374	1655	3	.	.	PUNCT
fsr-3374	1656	1	02	02	NUM
fsr-3374	1656	2	29	29	NUM
fsr-3374	1656	3	*	*	PUNCT
fsr-3374	1656	4	*	*	PUNCT
fsr-3374	1656	5	�	�	PROPN
fsr-3374	1656	6	0	0	NUM
fsr-3374	1656	7	.	.	PROPN
fsr-3374	1656	8	01	01	NUM
fsr-3374	1656	9	49	49	NUM
fsr-3374	1656	10	0	0	NUM
fsr-3374	1656	11	.	.	PUNCT
fsr-3374	1657	1	02	02	NUM
fsr-3374	1657	2	12	12	NUM
fsr-3374	1657	3	45	45	NUM
fsr-3374	1657	4	–	–	SYM
fsr-3374	1657	5	5	5	NUM
fsr-3374	1657	6	4	4	NUM
fsr-3374	1657	7	0	0	NUM
fsr-3374	1657	8	.	.	PUNCT
fsr-3374	1657	9	00	00	NUM
fsr-3374	1658	1	12	12	NUM
fsr-3374	1658	2	0	0	NUM
fsr-3374	1658	3	.	.	PUNCT
fsr-3374	1659	1	01	01	NUM
fsr-3374	1659	2	83	83	NUM
fsr-3374	1659	3	�	�	PROPN
fsr-3374	1659	4	0	0	NUM
fsr-3374	1659	5	.	.	PROPN
fsr-3374	1659	6	07	07	NUM
fsr-3374	1659	7	55	55	NUM
fsr-3374	1659	8	0	0	NUM
fsr-3374	1659	9	.	.	PUNCT
fsr-3374	1659	10	02	02	NUM
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fsr-3374	1659	12	*	*	PUNCT
fsr-3374	1659	13	*	*	PUNCT
fsr-3374	1659	14	*	*	PUNCT
fsr-3374	1659	15	0	0	X
fsr-3374	1659	16	.	.	NUM
fsr-3374	1659	17	02	02	NUM
fsr-3374	1659	18	90	90	NUM
fsr-3374	1659	19	0	0	NUM
fsr-3374	1659	20	.	.	PUNCT
fsr-3374	1659	21	02	02	NUM
fsr-3374	1659	22	18	18	NUM
fsr-3374	1659	23	�	�	PROPN
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fsr-3374	1659	25	.	.	PUNCT
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fsr-3374	1659	29	.	.	PUNCT
fsr-3374	1660	1	02	02	NUM
fsr-3374	1660	2	00	00	NUM
fsr-3374	1660	3	55	55	NUM
fsr-3374	1660	4	–	–	PUNCT
fsr-3374	1660	5	6	6	NUM
fsr-3374	1660	6	4	4	NUM
fsr-3374	1660	7	0	0	NUM
fsr-3374	1660	8	.	.	PUNCT
fsr-3374	1660	9	00	00	NUM
fsr-3374	1661	1	23	23	NUM
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fsr-3374	1661	3	.	.	PUNCT
fsr-3374	1662	1	01	01	NUM
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fsr-3374	1662	4	0	0	NUM
fsr-3374	1662	5	.	.	PROPN
fsr-3374	1662	6	01	01	NUM
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fsr-3374	1662	8	0	0	NUM
fsr-3374	1662	9	.	.	PUNCT
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fsr-3374	1662	13	.	.	PUNCT
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fsr-3374	1662	17	.	.	PUNCT
fsr-3374	1662	18	02	02	NUM
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fsr-3374	1662	21	0	0	NUM
fsr-3374	1662	22	.	.	PROPN
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fsr-3374	1662	26	.	.	PUNCT
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fsr-3374	1663	3	e	e	NOUN
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fsr-3374	1663	5	ca	can	AUX
fsr-3374	1663	6	tio	tio	VERB
fsr-3374	1663	7	n	n	ADV
fsr-3374	1663	8	le	le	X
fsr-3374	1663	9	ve	ve	VERB
fsr-3374	1663	10	l	l	NOUN
fsr-3374	1663	11	(	(	PUNCT
fsr-3374	1663	12	c	c	NOUN
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fsr-3374	1663	14	le	le	X
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fsr-3374	1663	16	or	or	CCONJ
fsr-3374	1663	17	m	m	PROPN
fsr-3374	1663	18	or	or	CCONJ
fsr-3374	1663	19	e	e	X
fsr-3374	1663	20	)	)	PUNCT
fsr-3374	1663	21	h	h	NOUN
fsr-3374	1664	1	ig	ig	PROPN
fsr-3374	1664	2	h	h	PROPN
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fsr-3374	1664	7	le	le	ADP
fsr-3374	1664	8	ss	ss	PROPN
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fsr-3374	1664	11	.	.	PUNCT
fsr-3374	1665	1	05	05	NUM
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fsr-3374	1666	3	.	.	PUNCT
fsr-3374	1667	1	01	01	NUM
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fsr-3374	1668	1	*	*	PUNCT
fsr-3374	1668	2	*	*	PUNCT
fsr-3374	1668	3	*	*	PUNCT
fsr-3374	1668	4	�	�	PROPN
fsr-3374	1668	5	0	0	NUM
fsr-3374	1668	6	.	.	PUNCT
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fsr-3374	1668	9	0	0	NUM
fsr-3374	1668	10	.	.	NUM
fsr-3374	1669	1	01	01	NUM
fsr-3374	1670	1	45	45	NUM
fsr-3374	1671	1	*	*	PUNCT
fsr-3374	1671	2	*	*	PUNCT
fsr-3374	1671	3	*	*	PUNCT
fsr-3374	1671	4	�	�	PROPN
fsr-3374	1671	5	0	0	NUM
fsr-3374	1671	6	.	.	PUNCT
fsr-3374	1671	7	08	08	NUM
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fsr-3374	1671	9	0	0	NUM
fsr-3374	1671	10	.	.	PROPN
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fsr-3374	1672	1	*	*	PUNCT
fsr-3374	1672	2	*	*	PUNCT
fsr-3374	1672	3	*	*	PUNCT
fsr-3374	1672	4	�	�	PROPN
fsr-3374	1672	5	0	0	NUM
fsr-3374	1672	6	.	.	PROPN
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fsr-3374	1672	10	.	.	PUNCT
fsr-3374	1673	1	01	01	NUM
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fsr-3374	1673	3	*	*	PUNCT
fsr-3374	1674	1	*	*	PUNCT
fsr-3374	1674	2	*	*	PUNCT
fsr-3374	1675	1	so	so	ADV
fsr-3374	1675	2	m	m	VERB
fsr-3374	1675	3	e	e	NOUN
fsr-3374	1675	4	co	co	NOUN
fsr-3374	1675	5	lle	lle	PROPN
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fsr-3374	1675	8	0	0	PROPN
fsr-3374	1675	9	.	.	PUNCT
fsr-3374	1675	10	04	04	NUM
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fsr-3374	1676	3	.	.	PUNCT
fsr-3374	1677	1	01	01	NUM
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fsr-3374	1678	1	*	*	PUNCT
fsr-3374	1678	2	*	*	PUNCT
fsr-3374	1678	3	*	*	PUNCT
fsr-3374	1678	4	�	�	PROPN
fsr-3374	1678	5	0	0	NUM
fsr-3374	1678	6	.	.	PUNCT
fsr-3374	1678	7	04	04	NUM
fsr-3374	1678	8	89	89	NUM
fsr-3374	1678	9	0	0	NUM
fsr-3374	1678	10	.	.	PROPN
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fsr-3374	1680	1	*	*	PUNCT
fsr-3374	1680	2	*	*	PUNCT
fsr-3374	1680	3	*	*	PUNCT
fsr-3374	1680	4	�	�	PROPN
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fsr-3374	1680	6	.	.	PUNCT
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fsr-3374	1681	3	.	.	PUNCT
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fsr-3374	1682	3	*	*	PUNCT
fsr-3374	1682	4	*	*	PUNCT
fsr-3374	1682	5	�	�	PROPN
fsr-3374	1682	6	0	0	NUM
fsr-3374	1682	7	.	.	NOUN
fsr-3374	1682	8	04	04	NUM
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fsr-3374	1683	2	0	0	NUM
fsr-3374	1683	3	.	.	PUNCT
fsr-3374	1684	1	01	01	NUM
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fsr-3374	1685	1	*	*	PUNCT
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fsr-3374	1685	3	*	*	PUNCT
fsr-3374	1685	4	m	m	PROPN
fsr-3374	1685	5	ar	ar	PROPN
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fsr-3374	1685	7	l	l	PROPN
fsr-3374	1685	8	st	st	PROPN
fsr-3374	1686	1	at	at	ADP
fsr-3374	1686	2	us	we	PRON
fsr-3374	1686	3	(	(	PUNCT
fsr-3374	1686	4	m	m	PROPN
fsr-3374	1686	5	ar	ar	PROPN
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fsr-3374	1686	7	ed	ed	PROPN
fsr-3374	1686	8	)	)	PUNCT
fsr-3374	1686	9	l	l	NOUN
fsr-3374	1686	10	iv	iv	X
fsr-3374	1686	11	in	in	ADP
fsr-3374	1686	12	g	g	PROPN
fsr-3374	1686	13	w	w	PROPN
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fsr-3374	1686	15	a	a	DET
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fsr-3374	1686	22	.	.	PROPN
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fsr-3374	1687	2	15	15	NUM
fsr-3374	1687	3	0	0	NUM
fsr-3374	1687	4	.	.	PUNCT
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fsr-3374	1688	4	.	.	PUNCT
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fsr-3374	1689	3	0	0	NUM
fsr-3374	1689	4	.	.	PUNCT
fsr-3374	1689	5	01	01	NUM
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fsr-3374	1689	9	.	.	PROPN
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fsr-3374	1689	13	.	.	PUNCT
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fsr-3374	1691	3	.	.	PUNCT
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fsr-3374	1692	3	.	.	PUNCT
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fsr-3374	1693	5	le	le	X
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fsr-3374	1693	7	0	0	PROPN
fsr-3374	1693	8	.	.	PROPN
fsr-3374	1693	9	00	00	NUM
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fsr-3374	1693	12	.	.	PUNCT
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fsr-3374	1694	3	0	0	NUM
fsr-3374	1694	4	.	.	PUNCT
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fsr-3374	1695	3	0	0	NUM
fsr-3374	1695	4	.	.	PUNCT
fsr-3374	1696	1	01	01	NUM
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fsr-3374	1696	5	.	.	PUNCT
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fsr-3374	1696	9	.	.	PUNCT
fsr-3374	1697	1	01	01	NUM
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fsr-3374	1698	1	*	*	PUNCT
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fsr-3374	1698	3	*	*	PUNCT
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fsr-3374	1698	6	.	.	PUNCT
fsr-3374	1698	7	02	02	NUM
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fsr-3374	1698	10	.	.	PUNCT
fsr-3374	1699	1	01	01	NUM
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fsr-3374	1699	14	n	n	CCONJ
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fsr-3374	1700	1	62	62	NUM
fsr-3374	1700	2	0	0	NUM
fsr-3374	1700	3	.	.	PUNCT
fsr-3374	1701	1	01	01	NUM
fsr-3374	1701	2	19	19	NUM
fsr-3374	1702	1	*	*	PUNCT
fsr-3374	1702	2	*	*	PUNCT
fsr-3374	1703	1	*	*	PUNCT
fsr-3374	1703	2	0	0	X
fsr-3374	1703	3	.	.	NUM
fsr-3374	1704	1	05	05	NUM
fsr-3374	1705	1	31	31	NUM
fsr-3374	1705	2	0	0	NUM
fsr-3374	1705	3	.	.	PUNCT
fsr-3374	1706	1	01	01	NUM
fsr-3374	1706	2	61	61	NUM
fsr-3374	1706	3	*	*	PUNCT
fsr-3374	1706	4	*	*	PUNCT
fsr-3374	1707	1	*	*	PUNCT
fsr-3374	1707	2	0	0	X
fsr-3374	1707	3	.	.	NUM
fsr-3374	1708	1	05	05	NUM
fsr-3374	1708	2	06	06	NUM
fsr-3374	1708	3	0	0	NUM
fsr-3374	1708	4	.	.	PROPN
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fsr-3374	1709	2	41	41	NUM
fsr-3374	1710	1	*	*	PUNCT
fsr-3374	1710	2	*	*	PUNCT
fsr-3374	1711	1	*	*	PUNCT
fsr-3374	1711	2	0	0	NUM
fsr-3374	1711	3	.	.	NOUN
fsr-3374	1711	4	04	04	NUM
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fsr-3374	1712	3	.	.	PUNCT
fsr-3374	1713	1	01	01	NUM
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fsr-3374	1713	3	*	*	PUNCT
fsr-3374	1714	1	*	*	PUNCT
fsr-3374	1714	2	*	*	PUNCT
fsr-3374	1715	1	t	t	PROPN
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fsr-3374	1715	3	o	o	PROPN
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fsr-3374	1715	5	ild	ild	PROPN
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fsr-3374	1715	7	n	n	PROPN
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fsr-3374	1715	9	.	.	NOUN
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fsr-3374	1716	1	13	13	NUM
fsr-3374	1716	2	0	0	NUM
fsr-3374	1716	3	.	.	PUNCT
fsr-3374	1717	1	01	01	NUM
fsr-3374	1717	2	36	36	NUM
fsr-3374	1717	3	*	*	PUNCT
fsr-3374	1718	1	*	*	PUNCT
fsr-3374	1718	2	*	*	PUNCT
fsr-3374	1719	1	0	0	NUM
fsr-3374	1719	2	.	.	NOUN
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fsr-3374	1720	3	.	.	PUNCT
fsr-3374	1721	1	01	01	NUM
fsr-3374	1721	2	85	85	NUM
fsr-3374	1721	3	*	*	PUNCT
fsr-3374	1721	4	*	*	NOUN
fsr-3374	1721	5	0	0	NUM
fsr-3374	1721	6	.	.	NUM
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fsr-3374	1722	3	.	.	PUNCT
fsr-3374	1723	1	01	01	NUM
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fsr-3374	1724	1	*	*	PUNCT
fsr-3374	1724	2	*	*	PUNCT
fsr-3374	1725	1	*	*	PUNCT
fsr-3374	1725	2	0	0	NUM
fsr-3374	1725	3	.	.	NOUN
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fsr-3374	1726	3	.	.	PUNCT
fsr-3374	1727	1	01	01	NUM
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fsr-3374	1728	1	*	*	PUNCT
fsr-3374	1728	2	*	*	PUNCT
fsr-3374	1728	3	t	t	PROPN
fsr-3374	1728	4	hr	hr	NOUN
fsr-3374	1728	5	ee	ee	PROPN
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fsr-3374	1728	7	ild	ild	PROPN
fsr-3374	1728	8	re	re	X
fsr-3374	1728	9	n	n	PROPN
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fsr-3374	1728	11	.	.	PUNCT
fsr-3374	1729	1	05	05	NUM
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fsr-3374	1730	3	.	.	PUNCT
fsr-3374	1731	1	01	01	NUM
fsr-3374	1731	2	67	67	NUM
fsr-3374	1731	3	*	*	PUNCT
fsr-3374	1731	4	*	*	PUNCT
fsr-3374	1731	5	*	*	PUNCT
fsr-3374	1731	6	�	�	PROPN
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fsr-3374	1731	8	.	.	PUNCT
fsr-3374	1732	1	02	02	NUM
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fsr-3374	1732	3	0	0	NUM
fsr-3374	1732	4	.	.	PUNCT
fsr-3374	1733	1	02	02	NUM
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fsr-3374	1733	3	0	0	NUM
fsr-3374	1733	4	.	.	PUNCT
fsr-3374	1733	5	04	04	NUM
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fsr-3374	1734	3	.	.	PUNCT
fsr-3374	1735	1	02	02	NUM
fsr-3374	1735	2	05	05	NUM
fsr-3374	1736	1	*	*	PUNCT
fsr-3374	1736	2	*	*	NOUN
fsr-3374	1736	3	0	0	NUM
fsr-3374	1736	4	.	.	NOUN
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fsr-3374	1737	3	.	.	PUNCT
fsr-3374	1738	1	02	02	NUM
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fsr-3374	1739	1	fo	fo	INTJ
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fsr-3374	1739	3	ch	ch	PROPN
fsr-3374	1739	4	ild	ild	PROPN
fsr-3374	1739	5	re	re	ADP
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fsr-3374	1739	7	or	or	CCONJ
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fsr-3374	1739	9	or	or	CCONJ
fsr-3374	1739	10	e	e	NOUN
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fsr-3374	1739	12	.	.	NOUN
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fsr-3374	1740	3	.	.	PUNCT
fsr-3374	1741	1	02	02	NUM
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fsr-3374	1742	1	*	*	PUNCT
fsr-3374	1742	2	*	*	NOUN
fsr-3374	1742	3	0	0	NUM
fsr-3374	1742	4	.	.	NOUN
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fsr-3374	1742	8	.	.	PUNCT
fsr-3374	1743	1	02	02	NUM
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fsr-3374	1743	4	.	.	PUNCT
fsr-3374	1744	1	04	04	NUM
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fsr-3374	1744	4	.	.	PUNCT
fsr-3374	1745	1	02	02	NUM
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fsr-3374	1746	1	*	*	PUNCT
fsr-3374	1746	2	*	*	NOUN
fsr-3374	1746	3	0	0	NUM
fsr-3374	1746	4	.	.	NOUN
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fsr-3374	1746	7	0	0	NUM
fsr-3374	1746	8	.	.	PUNCT
fsr-3374	1747	1	02	02	NUM
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fsr-3374	1748	1	n	n	NUM
fsr-3374	1748	2	o	o	PROPN
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fsr-3374	1748	18	.	.	PUNCT
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fsr-3374	1749	3	.	.	PUNCT
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fsr-3374	1750	4	.	.	PUNCT
fsr-3374	1751	1	01	01	NUM
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fsr-3374	1752	3	.	.	PUNCT
fsr-3374	1753	1	01	01	NUM
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fsr-3374	1753	4	.	.	PUNCT
fsr-3374	1754	1	02	02	NUM
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fsr-3374	1755	3	.	.	PUNCT
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fsr-3374	1757	3	.	.	PUNCT
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fsr-3374	1758	4	.	.	PUNCT
fsr-3374	1759	1	01	01	NUM
fsr-3374	1759	2	69	69	NUM
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fsr-3374	1759	4	nn	nn	X
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fsr-3374	1759	10	e	e	X
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fsr-3374	1759	12	l	l	NOUN
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fsr-3374	1759	20	,	,	PUNCT
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fsr-3374	1759	27	,	,	PUNCT
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fsr-3374	1760	1	to	to	PART
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fsr-3374	1760	9	,	,	PUNCT
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fsr-3374	1760	13	.	.	PUNCT
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fsr-3374	1760	17	.	.	PUNCT
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fsr-3374	1763	3	.	.	NUM
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fsr-3374	1764	3	.	.	PUNCT
fsr-3374	1765	1	01	01	NUM
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fsr-3374	1765	3	*	*	PUNCT
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fsr-3374	1766	2	*	*	PUNCT
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fsr-3374	1767	2	.	.	NUM
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fsr-3374	1768	2	0	0	NUM
fsr-3374	1768	3	.	.	PUNCT
fsr-3374	1769	1	01	01	NUM
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fsr-3374	1770	2	*	*	PUNCT
fsr-3374	1771	1	*	*	PUNCT
fsr-3374	1771	2	0	0	NUM
fsr-3374	1771	3	.	.	NOUN
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fsr-3374	1772	3	.	.	PUNCT
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fsr-3374	1774	7	,	,	PUNCT
fsr-3374	1774	8	00	00	NUM
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fsr-3374	1775	1	to	to	PART
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fsr-3374	1775	9	,	,	PUNCT
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fsr-3374	1775	13	.	.	PUNCT
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fsr-3374	1775	17	.	.	PUNCT
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fsr-3374	1778	1	*	*	PUNCT
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fsr-3374	1778	3	.	.	NUM
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fsr-3374	1783	3	.	.	PUNCT
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fsr-3374	1882	5	(	(	PUNCT
fsr-3374	1882	6	h	h	NOUN
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fsr-3374	1882	8	h	h	NOUN
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fsr-3374	1882	18	.	.	PUNCT
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fsr-3374	1882	23	.	.	PUNCT
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fsr-3374	1882	27	.	.	PUNCT
fsr-3374	1883	1	01	01	NUM
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fsr-3374	1883	5	.	.	PUNCT
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fsr-3374	1883	9	.	.	PUNCT
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fsr-3374	1884	3	*	*	PUNCT
fsr-3374	1884	4	*	*	PUNCT
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fsr-3374	1884	7	.	.	PUNCT
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fsr-3374	1885	3	.	.	PUNCT
fsr-3374	1886	1	01	01	NUM
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fsr-3374	1886	3	*	*	PUNCT
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fsr-3374	1886	5	m	m	VERB
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fsr-3374	1886	11	.	.	PUNCT
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fsr-3374	1887	4	.	.	PUNCT
fsr-3374	1888	1	01	01	NUM
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fsr-3374	1888	3	*	*	PUNCT
fsr-3374	1888	4	*	*	NOUN
fsr-3374	1888	5	0	0	NUM
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fsr-3374	1889	3	.	.	PUNCT
fsr-3374	1890	1	01	01	NUM
fsr-3374	1890	2	50	50	NUM
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fsr-3374	1890	5	.	.	PUNCT
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fsr-3374	1890	9	.	.	PUNCT
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fsr-3374	1891	3	.	.	PUNCT
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fsr-3374	1892	4	.	.	PUNCT
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fsr-3374	1894	1	*	*	PUNCT
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fsr-3374	1894	3	*	*	PUNCT
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fsr-3374	1894	6	.	.	PUNCT
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fsr-3374	1896	1	*	*	PUNCT
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fsr-3374	1896	6	.	.	PUNCT
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fsr-3374	1897	3	.	.	PUNCT
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fsr-3374	1898	4	.	.	PROPN
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fsr-3374	1899	3	.	.	PUNCT
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fsr-3374	1901	1	*	*	PUNCT
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fsr-3374	1902	1	*	*	PUNCT
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fsr-3374	1902	4	s	s	X
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fsr-3374	1903	13	)	)	PUNCT
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fsr-3374	1904	41	d	d	X
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fsr-3374	1904	52	s/	s/	VERB
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fsr-3374	1905	17	(	(	PUNCT
fsr-3374	1905	18	s	s	NOUN
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fsr-3374	1905	29	s	s	NOUN
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fsr-3374	1905	40	s	s	NOUN
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fsr-3374	1905	50	(	(	PUNCT
fsr-3374	1905	51	s	s	NOUN
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fsr-3374	1907	3	.	.	PUNCT
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fsr-3374	1912	3	.	.	PUNCT
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fsr-3374	1915	4	r	r	X
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fsr-3374	1917	3	*	*	NOUN
fsr-3374	1917	4	0	0	NUM
fsr-3374	1917	5	.	.	NUM
fsr-3374	1917	6	01	01	NUM
fsr-3374	1917	7	20	20	NUM
fsr-3374	1917	8	0	0	NUM
fsr-3374	1917	9	.	.	PUNCT
fsr-3374	1917	10	00	00	NUM
fsr-3374	1918	1	95	95	NUM
fsr-3374	1918	2	0	0	NUM
fsr-3374	1918	3	.	.	PUNCT
fsr-3374	1919	1	03	03	NUM
fsr-3374	1920	1	48	48	NUM
fsr-3374	1920	2	0	0	NUM
fsr-3374	1920	3	.	.	PUNCT
fsr-3374	1920	4	00	00	NUM
fsr-3374	1920	5	85	85	NUM
fsr-3374	1921	1	*	*	PUNCT
fsr-3374	1921	2	*	*	PUNCT
fsr-3374	1922	1	*	*	PUNCT
fsr-3374	1922	2	0	0	NUM
fsr-3374	1922	3	.	.	NUM
fsr-3374	1922	4	00	00	NUM
fsr-3374	1923	1	22	22	NUM
fsr-3374	1923	2	0	0	NUM
fsr-3374	1923	3	.	.	PUNCT
fsr-3374	1923	4	00	00	NUM
fsr-3374	1924	1	82	82	NUM
fsr-3374	1924	2	a	a	DET
fsr-3374	1924	3	ge	ge	NOUN
fsr-3374	1924	4	(	(	PUNCT
fsr-3374	1924	5	6	6	NUM
fsr-3374	1924	6	5	5	NUM
fsr-3374	1924	7	�	�	PROPN
fsr-3374	1924	8	)	)	PUNCT
fsr-3374	1924	9	18	18	NUM
fsr-3374	1924	10	–	–	SYM
fsr-3374	1924	11	2	2	NUM
fsr-3374	1924	12	4	4	NUM
fsr-3374	1924	13	0	0	NUM
fsr-3374	1924	14	.	.	PUNCT
fsr-3374	1924	15	03	03	NUM
fsr-3374	1925	1	28	28	NUM
fsr-3374	1925	2	0	0	NUM
fsr-3374	1925	3	.	.	PUNCT
fsr-3374	1926	1	01	01	NUM
fsr-3374	1926	2	49	49	NUM
fsr-3374	1926	3	*	*	PUNCT
fsr-3374	1926	4	*	*	PUNCT
fsr-3374	1926	5	�	�	PROPN
fsr-3374	1926	6	0	0	NUM
fsr-3374	1926	7	.	.	PROPN
fsr-3374	1926	8	01	01	NUM
fsr-3374	1926	9	54	54	NUM
fsr-3374	1926	10	0	0	NUM
fsr-3374	1926	11	.	.	PUNCT
fsr-3374	1927	1	01	01	NUM
fsr-3374	1927	2	99	99	NUM
fsr-3374	1927	3	0	0	NUM
fsr-3374	1927	4	.	.	PUNCT
fsr-3374	1928	1	05	05	NUM
fsr-3374	1929	1	55	55	NUM
fsr-3374	1929	2	0	0	NUM
fsr-3374	1929	3	.	.	PUNCT
fsr-3374	1930	1	01	01	NUM
fsr-3374	1930	2	97	97	NUM
fsr-3374	1931	1	*	*	PUNCT
fsr-3374	1931	2	*	*	PUNCT
fsr-3374	1932	1	*	*	PUNCT
fsr-3374	1932	2	0	0	NUM
fsr-3374	1932	3	.	.	NUM
fsr-3374	1932	4	00	00	NUM
fsr-3374	1933	1	53	53	NUM
fsr-3374	1933	2	0	0	NUM
fsr-3374	1933	3	.	.	PUNCT
fsr-3374	1934	1	01	01	NUM
fsr-3374	1934	2	84	84	NUM
fsr-3374	1934	3	25	25	NUM
fsr-3374	1934	4	–	–	PUNCT
fsr-3374	1934	5	3	3	NUM
fsr-3374	1934	6	4	4	NUM
fsr-3374	1934	7	0	0	NUM
fsr-3374	1934	8	.	.	PUNCT
fsr-3374	1934	9	03	03	NUM
fsr-3374	1935	1	92	92	NUM
fsr-3374	1935	2	0	0	NUM
fsr-3374	1935	3	.	.	PUNCT
fsr-3374	1936	1	01	01	NUM
fsr-3374	1936	2	13	13	NUM
fsr-3374	1936	3	*	*	PUNCT
fsr-3374	1936	4	*	*	PUNCT
fsr-3374	1936	5	*	*	PUNCT
fsr-3374	1936	6	�	�	PROPN
fsr-3374	1936	7	0	0	NUM
fsr-3374	1936	8	.	.	PROPN
fsr-3374	1937	1	07	07	NUM
fsr-3374	1937	2	06	06	NUM
fsr-3374	1937	3	0	0	NUM
fsr-3374	1937	4	.	.	PUNCT
fsr-3374	1937	5	01	01	NUM
fsr-3374	1938	1	53	53	NUM
fsr-3374	1939	1	*	*	PUNCT
fsr-3374	1939	2	*	*	PUNCT
fsr-3374	1940	1	*	*	PUNCT
fsr-3374	1940	2	0	0	NUM
fsr-3374	1940	3	.	.	NOUN
fsr-3374	1940	4	11	11	NUM
fsr-3374	1940	5	11	11	NUM
fsr-3374	1940	6	0	0	NUM
fsr-3374	1940	7	.	.	PUNCT
fsr-3374	1941	1	01	01	NUM
fsr-3374	1941	2	43	43	NUM
fsr-3374	1942	1	*	*	PUNCT
fsr-3374	1942	2	*	*	PUNCT
fsr-3374	1942	3	*	*	PUNCT
fsr-3374	1942	4	�	�	PROPN
fsr-3374	1942	5	0	0	NUM
fsr-3374	1942	6	.	.	PROPN
fsr-3374	1942	7	01	01	NUM
fsr-3374	1942	8	19	19	NUM
fsr-3374	1942	9	0	0	NUM
fsr-3374	1942	10	.	.	PUNCT
fsr-3374	1943	1	01	01	NUM
fsr-3374	1943	2	33	33	NUM
fsr-3374	1943	3	35	35	NUM
fsr-3374	1943	4	–	–	PUNCT
fsr-3374	1943	5	4	4	NUM
fsr-3374	1943	6	4	4	NUM
fsr-3374	1943	7	0	0	NUM
fsr-3374	1943	8	.	.	PUNCT
fsr-3374	1944	1	02	02	NUM
fsr-3374	1944	2	16	16	NUM
fsr-3374	1944	3	0	0	NUM
fsr-3374	1944	4	.	.	PUNCT
fsr-3374	1945	1	01	01	NUM
fsr-3374	1945	2	07	07	NUM
fsr-3374	1945	3	*	*	PUNCT
fsr-3374	1945	4	*	*	PUNCT
fsr-3374	1945	5	�	�	PROPN
fsr-3374	1945	6	0	0	NUM
fsr-3374	1945	7	.	.	PROPN
fsr-3374	1945	8	12	12	NUM
fsr-3374	1945	9	34	34	NUM
fsr-3374	1945	10	0	0	NUM
fsr-3374	1945	11	.	.	PROPN
fsr-3374	1945	12	01	01	NUM
fsr-3374	1945	13	45	45	NUM
fsr-3374	1946	1	*	*	PUNCT
fsr-3374	1946	2	*	*	PUNCT
fsr-3374	1947	1	*	*	PUNCT
fsr-3374	1947	2	0	0	X
fsr-3374	1947	3	.	.	NUM
fsr-3374	1948	1	05	05	NUM
fsr-3374	1948	2	67	67	NUM
fsr-3374	1948	3	0	0	NUM
fsr-3374	1948	4	.	.	PUNCT
fsr-3374	1949	1	01	01	NUM
fsr-3374	1949	2	36	36	NUM
fsr-3374	1950	1	*	*	PUNCT
fsr-3374	1950	2	*	*	PUNCT
fsr-3374	1950	3	*	*	PUNCT
fsr-3374	1950	4	�	�	PROPN
fsr-3374	1950	5	0	0	NUM
fsr-3374	1950	6	.	.	PUNCT
fsr-3374	1950	7	05	05	NUM
fsr-3374	1951	1	93	93	NUM
fsr-3374	1951	2	0	0	NUM
fsr-3374	1951	3	.	.	PROPN
fsr-3374	1952	1	01	01	NUM
fsr-3374	1952	2	27	27	NUM
fsr-3374	1953	1	*	*	PUNCT
fsr-3374	1953	2	*	*	PUNCT
fsr-3374	1953	3	*	*	PUNCT
fsr-3374	1953	4	45	45	NUM
fsr-3374	1953	5	–	–	SYM
fsr-3374	1953	6	5	5	NUM
fsr-3374	1953	7	4	4	NUM
fsr-3374	1953	8	0	0	NUM
fsr-3374	1953	9	.	.	PUNCT
fsr-3374	1953	10	00	00	NUM
fsr-3374	1954	1	88	88	NUM
fsr-3374	1954	2	0	0	NUM
fsr-3374	1954	3	.	.	PUNCT
fsr-3374	1955	1	01	01	NUM
fsr-3374	1955	2	02	02	NUM
fsr-3374	1955	3	�	�	PROPN
fsr-3374	1955	4	0	0	NUM
fsr-3374	1955	5	.	.	PROPN
fsr-3374	1955	6	10	10	NUM
fsr-3374	1955	7	99	99	NUM
fsr-3374	1955	8	0	0	NUM
fsr-3374	1955	9	.	.	PUNCT
fsr-3374	1956	1	01	01	NUM
fsr-3374	1956	2	26	26	NUM
fsr-3374	1957	1	*	*	PUNCT
fsr-3374	1957	2	*	*	PUNCT
fsr-3374	1958	1	*	*	PUNCT
fsr-3374	1958	2	0	0	X
fsr-3374	1958	3	.	.	NUM
fsr-3374	1958	4	01	01	NUM
fsr-3374	1958	5	89	89	NUM
fsr-3374	1958	6	0	0	NUM
fsr-3374	1958	7	.	.	PUNCT
fsr-3374	1959	1	01	01	NUM
fsr-3374	1959	2	22	22	NUM
fsr-3374	1959	3	�	�	PROPN
fsr-3374	1959	4	0	0	NUM
fsr-3374	1959	5	.	.	PUNCT
fsr-3374	1959	6	05	05	NUM
fsr-3374	1960	1	51	51	NUM
fsr-3374	1960	2	0	0	NUM
fsr-3374	1960	3	.	.	PUNCT
fsr-3374	1961	1	01	01	NUM
fsr-3374	1961	2	11	11	NUM
fsr-3374	1961	3	*	*	PUNCT
fsr-3374	1961	4	*	*	PUNCT
fsr-3374	1961	5	*	*	PUNCT
fsr-3374	1961	6	55	55	NUM
fsr-3374	1961	7	–	–	SYM
fsr-3374	1961	8	6	6	NUM
fsr-3374	1961	9	4	4	NUM
fsr-3374	1961	10	0	0	NUM
fsr-3374	1961	11	.	.	PUNCT
fsr-3374	1962	1	02	02	NUM
fsr-3374	1962	2	95	95	NUM
fsr-3374	1962	3	0	0	NUM
fsr-3374	1962	4	.	.	PUNCT
fsr-3374	1962	5	00	00	NUM
fsr-3374	1963	1	93	93	NUM
fsr-3374	1964	1	*	*	PUNCT
fsr-3374	1964	2	*	*	PUNCT
fsr-3374	1964	3	*	*	PUNCT
fsr-3374	1964	4	�	�	PROPN
fsr-3374	1964	5	0	0	NUM
fsr-3374	1964	6	.	.	NOUN
fsr-3374	1964	7	04	04	NUM
fsr-3374	1965	1	67	67	NUM
fsr-3374	1965	2	0	0	NUM
fsr-3374	1965	3	.	.	PUNCT
fsr-3374	1966	1	01	01	NUM
fsr-3374	1966	2	13	13	NUM
fsr-3374	1967	1	*	*	PUNCT
fsr-3374	1968	1	*	*	PUNCT
fsr-3374	1969	1	*	*	PUNCT
fsr-3374	1969	2	0	0	X
fsr-3374	1969	3	.	.	NUM
fsr-3374	1969	4	02	02	NUM
fsr-3374	1970	1	12	12	NUM
fsr-3374	1970	2	0	0	NUM
fsr-3374	1970	3	.	.	PUNCT
fsr-3374	1971	1	01	01	NUM
fsr-3374	1971	2	11	11	NUM
fsr-3374	1971	3	*	*	PUNCT
fsr-3374	1971	4	�	�	PROPN
fsr-3374	1971	5	0	0	NUM
fsr-3374	1971	6	.	.	PUNCT
fsr-3374	1971	7	02	02	NUM
fsr-3374	1971	8	19	19	NUM
fsr-3374	1971	9	0	0	NUM
fsr-3374	1971	10	.	.	PUNCT
fsr-3374	1971	11	00	00	NUM
fsr-3374	1972	1	98	98	NUM
fsr-3374	1973	1	*	*	PUNCT
fsr-3374	1973	2	*	*	PUNCT
fsr-3374	1973	3	e	e	X
fsr-3374	1973	4	du	du	PROPN
fsr-3374	1973	5	ca	can	AUX
fsr-3374	1973	6	tio	tio	VERB
fsr-3374	1973	7	n	n	ADV
fsr-3374	1973	8	le	le	X
fsr-3374	1973	9	ve	ve	VERB
fsr-3374	1973	10	l	l	NOUN
fsr-3374	1973	11	(	(	PUNCT
fsr-3374	1973	12	c	c	NOUN
fsr-3374	1973	13	ol	ol	PROPN
fsr-3374	1973	14	le	le	X
fsr-3374	1973	15	ge	ge	PROPN
fsr-3374	1973	16	or	or	CCONJ
fsr-3374	1973	17	m	m	PROPN
fsr-3374	1973	18	or	or	CCONJ
fsr-3374	1973	19	e	e	X
fsr-3374	1973	20	)	)	PUNCT
fsr-3374	1973	21	h	h	NOUN
fsr-3374	1974	1	ig	ig	PROPN
fsr-3374	1974	2	h	h	PROPN
fsr-3374	1974	3	sc	sc	PROPN
fsr-3374	1974	4	ho	ho	PROPN
fsr-3374	1974	5	ol	ol	PROPN
fsr-3374	1974	6	or	or	CCONJ
fsr-3374	1974	7	le	le	ADP
fsr-3374	1974	8	ss	ss	PROPN
fsr-3374	1974	9	�	�	PROPN
fsr-3374	1974	10	0	0	NUM
fsr-3374	1974	11	.	.	PUNCT
fsr-3374	1974	12	02	02	NUM
fsr-3374	1974	13	35	35	NUM
fsr-3374	1974	14	0	0	NUM
fsr-3374	1974	15	.	.	PUNCT
fsr-3374	1974	16	00	00	NUM
fsr-3374	1975	1	72	72	NUM
fsr-3374	1976	1	*	*	PUNCT
fsr-3374	1976	2	*	*	PUNCT
fsr-3374	1976	3	*	*	PUNCT
fsr-3374	1976	4	�	�	PROPN
fsr-3374	1976	5	0	0	NUM
fsr-3374	1976	6	.	.	PROPN
fsr-3374	1976	7	09	09	NUM
fsr-3374	1976	8	76	76	NUM
fsr-3374	1976	9	0	0	NUM
fsr-3374	1976	10	.	.	PUNCT
fsr-3374	1977	1	01	01	NUM
fsr-3374	1977	2	03	03	NUM
fsr-3374	1978	1	*	*	PUNCT
fsr-3374	1978	2	*	*	PUNCT
fsr-3374	1978	3	*	*	PUNCT
fsr-3374	1978	4	�	�	PROPN
fsr-3374	1978	5	0	0	NUM
fsr-3374	1978	6	.	.	PUNCT
fsr-3374	1978	7	06	06	NUM
fsr-3374	1979	1	32	32	NUM
fsr-3374	1979	2	0	0	NUM
fsr-3374	1979	3	.	.	PUNCT
fsr-3374	1979	4	00	00	NUM
fsr-3374	1980	1	96	96	NUM
fsr-3374	1981	1	*	*	PUNCT
fsr-3374	1981	2	*	*	PUNCT
fsr-3374	1981	3	*	*	PUNCT
fsr-3374	1981	4	�	�	PROPN
fsr-3374	1981	5	0	0	NUM
fsr-3374	1981	6	.	.	PUNCT
fsr-3374	1981	7	06	06	NUM
fsr-3374	1982	1	16	16	NUM
fsr-3374	1982	2	0	0	NUM
fsr-3374	1982	3	.	.	PUNCT
fsr-3374	1982	4	00	00	NUM
fsr-3374	1983	1	92	92	NUM
fsr-3374	1984	1	*	*	PUNCT
fsr-3374	1984	2	*	*	PUNCT
fsr-3374	1984	3	*	*	PUNCT
fsr-3374	1984	4	so	so	ADV
fsr-3374	1984	5	m	m	VERB
fsr-3374	1984	6	e	e	NOUN
fsr-3374	1984	7	co	co	NOUN
fsr-3374	1984	8	lle	lle	PROPN
fsr-3374	1984	9	ge	ge	PROPN
fsr-3374	1984	10	�	�	PROPN
fsr-3374	1984	11	0	0	PROPN
fsr-3374	1984	12	.	.	PROPN
fsr-3374	1984	13	00	00	NUM
fsr-3374	1985	1	46	46	NUM
fsr-3374	1985	2	0	0	NUM
fsr-3374	1985	3	.	.	PUNCT
fsr-3374	1985	4	00	00	NUM
fsr-3374	1986	1	62	62	NUM
fsr-3374	1986	2	�	�	PROPN
fsr-3374	1986	3	0	0	NUM
fsr-3374	1986	4	.	.	PUNCT
fsr-3374	1987	1	05	05	NUM
fsr-3374	1987	2	04	04	NUM
fsr-3374	1987	3	0	0	NUM
fsr-3374	1987	4	.	.	PUNCT
fsr-3374	1987	5	00	00	NUM
fsr-3374	1988	1	89	89	NUM
fsr-3374	1989	1	*	*	PUNCT
fsr-3374	1989	2	*	*	PUNCT
fsr-3374	1989	3	*	*	PUNCT
fsr-3374	1989	4	�	�	PROPN
fsr-3374	1989	5	0	0	NUM
fsr-3374	1989	6	.	.	PROPN
fsr-3374	1990	1	01	01	NUM
fsr-3374	1990	2	08	08	NUM
fsr-3374	1990	3	0	0	NUM
fsr-3374	1990	4	.	.	PUNCT
fsr-3374	1990	5	00	00	NUM
fsr-3374	1991	1	82	82	NUM
fsr-3374	1991	2	�	�	PROPN
fsr-3374	1991	3	0	0	NUM
fsr-3374	1991	4	.	.	PROPN
fsr-3374	1991	5	03	03	NUM
fsr-3374	1991	6	00	00	NUM
fsr-3374	1991	7	0	0	NUM
fsr-3374	1991	8	.	.	PUNCT
fsr-3374	1991	9	00	00	NUM
fsr-3374	1992	1	77	77	NUM
fsr-3374	1993	1	*	*	PUNCT
fsr-3374	1993	2	*	*	PUNCT
fsr-3374	1993	3	*	*	PUNCT
fsr-3374	1993	4	m	m	PROPN
fsr-3374	1993	5	ar	ar	PROPN
fsr-3374	1993	6	ita	ita	PROPN
fsr-3374	1993	7	l	l	PROPN
fsr-3374	1993	8	st	st	PROPN
fsr-3374	1994	1	at	at	ADP
fsr-3374	1994	2	us	we	PRON
fsr-3374	1994	3	(	(	PUNCT
fsr-3374	1994	4	m	m	PROPN
fsr-3374	1994	5	ar	ar	PROPN
fsr-3374	1994	6	ri	ri	PROPN
fsr-3374	1994	7	ed	ed	PROPN
fsr-3374	1994	8	)	)	PUNCT
fsr-3374	1994	9	l	l	NOUN
fsr-3374	1994	10	iv	iv	X
fsr-3374	1994	11	in	in	ADP
fsr-3374	1994	12	g	g	PROPN
fsr-3374	1994	13	w	w	PROPN
fsr-3374	1994	14	ith	ith	PROPN
fsr-3374	1994	15	a	a	DET
fsr-3374	1994	16	pa	pa	PROPN
fsr-3374	1994	17	rt	rt	PROPN
fsr-3374	1994	18	ne	ne	PROPN
fsr-3374	1994	19	r	r	PROPN
fsr-3374	1994	20	0	0	NUM
fsr-3374	1994	21	.	.	PUNCT
fsr-3374	1994	22	00	00	NUM
fsr-3374	1995	1	59	59	NUM
fsr-3374	1995	2	0	0	NUM
fsr-3374	1995	3	.	.	PROPN
fsr-3374	1996	1	01	01	NUM
fsr-3374	1996	2	10	10	NUM
fsr-3374	1996	3	�	�	PROPN
fsr-3374	1996	4	0	0	NUM
fsr-3374	1996	5	.	.	PUNCT
fsr-3374	1996	6	00	00	NUM
fsr-3374	1997	1	26	26	NUM
fsr-3374	1997	2	0	0	NUM
fsr-3374	1997	3	.	.	PUNCT
fsr-3374	1998	1	01	01	NUM
fsr-3374	1998	2	63	63	NUM
fsr-3374	1998	3	�	�	PROPN
fsr-3374	1998	4	0	0	NUM
fsr-3374	1998	5	.	.	PUNCT
fsr-3374	1998	6	00	00	NUM
fsr-3374	1998	7	09	09	NUM
fsr-3374	1998	8	0	0	NUM
fsr-3374	1998	9	.	.	PUNCT
fsr-3374	1999	1	01	01	NUM
fsr-3374	1999	2	46	46	NUM
fsr-3374	1999	3	�	�	PROPN
fsr-3374	1999	4	0	0	NUM
fsr-3374	1999	5	.	.	PROPN
fsr-3374	1999	6	03	03	NUM
fsr-3374	2000	1	33	33	NUM
fsr-3374	2000	2	0	0	NUM
fsr-3374	2000	3	.	.	PUNCT
fsr-3374	2001	1	01	01	NUM
fsr-3374	2001	2	49	49	NUM
fsr-3374	2002	1	*	*	PUNCT
fsr-3374	2002	2	*	*	PUNCT
fsr-3374	2002	3	si	si	PROPN
fsr-3374	2002	4	ng	ng	PROPN
fsr-3374	2002	5	le	le	PROPN
fsr-3374	2002	6	0	0	PROPN
fsr-3374	2002	7	.	.	PROPN
fsr-3374	2002	8	00	00	NUM
fsr-3374	2003	1	80	80	NUM
fsr-3374	2003	2	0	0	NUM
fsr-3374	2003	3	.	.	PUNCT
fsr-3374	2003	4	00	00	NUM
fsr-3374	2004	1	67	67	NUM
fsr-3374	2004	2	0	0	NUM
fsr-3374	2004	3	.	.	PUNCT
fsr-3374	2004	4	00	00	NUM
fsr-3374	2005	1	45	45	NUM
fsr-3374	2005	2	0	0	NUM
fsr-3374	2005	3	.	.	PUNCT
fsr-3374	2005	4	00	00	NUM
fsr-3374	2006	1	99	99	NUM
fsr-3374	2006	2	�	�	PROPN
fsr-3374	2006	3	0	0	NUM
fsr-3374	2006	4	.	.	NOUN
fsr-3374	2006	5	04	04	NUM
fsr-3374	2007	1	47	47	NUM
fsr-3374	2007	2	0	0	NUM
fsr-3374	2007	3	.	.	PUNCT
fsr-3374	2007	4	00	00	NUM
fsr-3374	2008	1	94	94	NUM
fsr-3374	2009	1	*	*	PUNCT
fsr-3374	2009	2	*	*	PUNCT
fsr-3374	2009	3	*	*	PUNCT
fsr-3374	2009	4	�	�	PROPN
fsr-3374	2009	5	0	0	NUM
fsr-3374	2009	6	.	.	PUNCT
fsr-3374	2009	7	00	00	NUM
fsr-3374	2010	1	92	92	NUM
fsr-3374	2010	2	0	0	NUM
fsr-3374	2010	3	.	.	PUNCT
fsr-3374	2010	4	00	00	NUM
fsr-3374	2011	1	87	87	NUM
fsr-3374	2011	2	n	n	AUX
fsr-3374	2011	3	um	um	INTJ
fsr-3374	2011	4	be	be	AUX
fsr-3374	2011	5	r	r	NOUN
fsr-3374	2011	6	of	of	ADP
fsr-3374	2011	7	ch	ch	NOUN
fsr-3374	2011	8	ild	ild	PROPN
fsr-3374	2011	9	re	re	X
fsr-3374	2011	10	n	n	PROPN
fsr-3374	2011	11	(	(	PUNCT
fsr-3374	2011	12	n	n	CCONJ
fsr-3374	2011	13	o	o	NOUN
fsr-3374	2011	14	ch	ch	NOUN
fsr-3374	2011	15	ild	ild	PROPN
fsr-3374	2011	16	re	re	X
fsr-3374	2011	17	n	n	CCONJ
fsr-3374	2011	18	)	)	PUNCT
fsr-3374	2011	19	o	o	PROPN
fsr-3374	2011	20	ne	ne	PROPN
fsr-3374	2011	21	ch	ch	PROPN
fsr-3374	2011	22	ild	ild	PROPN
fsr-3374	2011	23	0	0	PROPN
fsr-3374	2011	24	.	.	NOUN
fsr-3374	2011	25	03	03	NUM
fsr-3374	2011	26	49	49	NUM
fsr-3374	2011	27	0	0	NUM
fsr-3374	2011	28	.	.	PUNCT
fsr-3374	2011	29	00	00	NUM
fsr-3374	2012	1	85	85	NUM
fsr-3374	2013	1	*	*	PUNCT
fsr-3374	2013	2	*	*	PUNCT
fsr-3374	2014	1	*	*	PUNCT
fsr-3374	2014	2	0	0	X
fsr-3374	2014	3	.	.	NUM
fsr-3374	2014	4	02	02	NUM
fsr-3374	2015	1	21	21	NUM
fsr-3374	2015	2	0	0	NUM
fsr-3374	2015	3	.	.	PUNCT
fsr-3374	2016	1	01	01	NUM
fsr-3374	2016	2	25	25	NUM
fsr-3374	2016	3	*	*	NUM
fsr-3374	2016	4	0	0	NUM
fsr-3374	2016	5	.	.	NOUN
fsr-3374	2016	6	04	04	NUM
fsr-3374	2017	1	39	39	NUM
fsr-3374	2017	2	0	0	NUM
fsr-3374	2017	3	.	.	PUNCT
fsr-3374	2018	1	01	01	NUM
fsr-3374	2018	2	15	15	NUM
fsr-3374	2018	3	*	*	PUNCT
fsr-3374	2018	4	*	*	PUNCT
fsr-3374	2019	1	*	*	PUNCT
fsr-3374	2019	2	0	0	NUM
fsr-3374	2019	3	.	.	NOUN
fsr-3374	2019	4	04	04	NUM
fsr-3374	2020	1	06	06	NUM
fsr-3374	2020	2	0	0	NUM
fsr-3374	2020	3	.	.	PUNCT
fsr-3374	2021	1	01	01	NUM
fsr-3374	2021	2	11	11	NUM
fsr-3374	2021	3	*	*	PUNCT
fsr-3374	2021	4	*	*	PUNCT
fsr-3374	2022	1	*	*	PUNCT
fsr-3374	2022	2	t	t	PROPN
fsr-3374	2022	3	w	w	NOUN
fsr-3374	2022	4	o	o	PROPN
fsr-3374	2022	5	ch	ch	PROPN
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fsr-3374	2022	7	re	re	X
fsr-3374	2022	8	n	n	PROPN
fsr-3374	2022	9	0	0	NUM
fsr-3374	2022	10	.	.	PUNCT
fsr-3374	2023	1	05	05	NUM
fsr-3374	2023	2	06	06	NUM
fsr-3374	2023	3	0	0	NUM
fsr-3374	2023	4	.	.	PUNCT
fsr-3374	2023	5	00	00	NUM
fsr-3374	2024	1	89	89	NUM
fsr-3374	2025	1	*	*	PUNCT
fsr-3374	2025	2	*	*	PUNCT
fsr-3374	2026	1	*	*	PUNCT
fsr-3374	2026	2	0	0	X
fsr-3374	2026	3	.	.	PUNCT
fsr-3374	2026	4	02	02	NUM
fsr-3374	2026	5	96	96	NUM
fsr-3374	2026	6	0	0	NUM
fsr-3374	2026	7	.	.	PUNCT
fsr-3374	2027	1	01	01	NUM
fsr-3374	2027	2	38	38	NUM
fsr-3374	2027	3	*	*	PUNCT
fsr-3374	2027	4	*	*	NOUN
fsr-3374	2027	5	0	0	NUM
fsr-3374	2027	6	.	.	NOUN
fsr-3374	2027	7	04	04	NUM
fsr-3374	2028	1	55	55	NUM
fsr-3374	2028	2	0	0	NUM
fsr-3374	2028	3	.	.	PUNCT
fsr-3374	2029	1	01	01	NUM
fsr-3374	2029	2	23	23	NUM
fsr-3374	2030	1	*	*	PUNCT
fsr-3374	2030	2	*	*	PUNCT
fsr-3374	2031	1	*	*	PUNCT
fsr-3374	2031	2	0	0	NUM
fsr-3374	2031	3	.	.	NOUN
fsr-3374	2031	4	04	04	NUM
fsr-3374	2032	1	58	58	NUM
fsr-3374	2032	2	0	0	NUM
fsr-3374	2032	3	.	.	PUNCT
fsr-3374	2033	1	01	01	NUM
fsr-3374	2033	2	21	21	NUM
fsr-3374	2033	3	*	*	PUNCT
fsr-3374	2033	4	*	*	PUNCT
fsr-3374	2034	1	*	*	PUNCT
fsr-3374	2034	2	t	t	PROPN
fsr-3374	2034	3	hr	hr	NOUN
fsr-3374	2034	4	ee	ee	PROPN
fsr-3374	2034	5	ch	ch	PROPN
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fsr-3374	2034	7	re	re	X
fsr-3374	2034	8	n	n	PROPN
fsr-3374	2034	9	0	0	NUM
fsr-3374	2034	10	.	.	PROPN
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fsr-3374	2034	13	0	0	NUM
fsr-3374	2034	14	.	.	PUNCT
fsr-3374	2035	1	01	01	NUM
fsr-3374	2035	2	16	16	NUM
fsr-3374	2036	1	*	*	PUNCT
fsr-3374	2036	2	*	*	PUNCT
fsr-3374	2037	1	*	*	PUNCT
fsr-3374	2037	2	0	0	NUM
fsr-3374	2037	3	.	.	NOUN
fsr-3374	2037	4	03	03	NUM
fsr-3374	2038	1	78	78	NUM
fsr-3374	2038	2	0	0	NUM
fsr-3374	2038	3	.	.	PUNCT
fsr-3374	2039	1	01	01	NUM
fsr-3374	2039	2	96	96	NUM
fsr-3374	2039	3	*	*	NUM
fsr-3374	2039	4	0	0	NUM
fsr-3374	2039	5	.	.	NUM
fsr-3374	2039	6	06	06	NUM
fsr-3374	2039	7	09	09	NUM
fsr-3374	2039	8	0	0	NUM
fsr-3374	2039	9	.	.	PUNCT
fsr-3374	2040	1	01	01	NUM
fsr-3374	2040	2	72	72	NUM
fsr-3374	2041	1	*	*	PUNCT
fsr-3374	2041	2	*	*	PUNCT
fsr-3374	2042	1	*	*	PUNCT
fsr-3374	2042	2	0	0	NUM
fsr-3374	2042	3	.	.	NUM
fsr-3374	2042	4	00	00	NUM
fsr-3374	2043	1	66	66	NUM
fsr-3374	2043	2	0	0	NUM
fsr-3374	2043	3	.	.	PUNCT
fsr-3374	2044	1	01	01	NUM
fsr-3374	2044	2	70	70	NUM
fsr-3374	2045	1	fo	fo	INTJ
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fsr-3374	2045	3	ch	ch	PROPN
fsr-3374	2045	4	ild	ild	PROPN
fsr-3374	2045	5	re	re	ADP
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fsr-3374	2045	7	or	or	CCONJ
fsr-3374	2045	8	m	m	PROPN
fsr-3374	2045	9	or	or	CCONJ
fsr-3374	2045	10	e	e	PROPN
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fsr-3374	2045	16	.	.	PUNCT
fsr-3374	2046	1	01	01	NUM
fsr-3374	2046	2	43	43	NUM
fsr-3374	2047	1	*	*	PUNCT
fsr-3374	2047	2	*	*	PUNCT
fsr-3374	2048	1	*	*	PUNCT
fsr-3374	2048	2	0	0	NUM
fsr-3374	2048	3	.	.	NUM
fsr-3374	2048	4	08	08	NUM
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fsr-3374	2049	2	0	0	NUM
fsr-3374	2049	3	.	.	PUNCT
fsr-3374	2050	1	02	02	NUM
fsr-3374	2050	2	64	64	NUM
fsr-3374	2050	3	*	*	PUNCT
fsr-3374	2050	4	*	*	PUNCT
fsr-3374	2051	1	*	*	PUNCT
fsr-3374	2051	2	0	0	NUM
fsr-3374	2051	3	.	.	NUM
fsr-3374	2051	4	08	08	NUM
fsr-3374	2052	1	43	43	NUM
fsr-3374	2052	2	0	0	NUM
fsr-3374	2052	3	.	.	PUNCT
fsr-3374	2053	1	02	02	NUM
fsr-3374	2053	2	25	25	NUM
fsr-3374	2053	3	*	*	PUNCT
fsr-3374	2053	4	*	*	PUNCT
fsr-3374	2053	5	*	*	PUNCT
fsr-3374	2053	6	0	0	NUM
fsr-3374	2053	7	.	.	NOUN
fsr-3374	2053	8	04	04	NUM
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fsr-3374	2054	2	0	0	NUM
fsr-3374	2054	3	.	.	PUNCT
fsr-3374	2055	1	02	02	NUM
fsr-3374	2055	2	22	22	NUM
fsr-3374	2055	3	*	*	PUNCT
fsr-3374	2055	4	*	*	PUNCT
fsr-3374	2055	5	n	n	NUM
fsr-3374	2055	6	o	o	NOUN
fsr-3374	2055	7	fin	fin	NOUN
fsr-3374	2055	8	an	an	DET
fsr-3374	2055	9	ci	ci	NOUN
fsr-3374	2055	10	al	al	PROPN
fsr-3374	2055	11	ly	ly	X
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fsr-3374	2055	13	pe	pe	INTJ
fsr-3374	2055	14	nd	nd	INTJ
fsr-3374	2055	15	en	en	PROPN
fsr-3374	2055	16	t	t	PROPN
fsr-3374	2055	17	ch	ch	PROPN
fsr-3374	2055	18	ild	ild	PROPN
fsr-3374	2055	19	re	re	X
fsr-3374	2055	20	n	n	PROPN
fsr-3374	2055	21	0	0	NUM
fsr-3374	2055	22	.	.	PUNCT
fsr-3374	2055	23	00	00	NUM
fsr-3374	2056	1	75	75	NUM
fsr-3374	2056	2	0	0	NUM
fsr-3374	2056	3	.	.	PUNCT
fsr-3374	2056	4	00	00	NUM
fsr-3374	2057	1	84	84	NUM
fsr-3374	2057	2	0	0	NUM
fsr-3374	2057	3	.	.	PUNCT
fsr-3374	2058	1	01	01	NUM
fsr-3374	2058	2	35	35	NUM
fsr-3374	2058	3	0	0	NUM
fsr-3374	2058	4	.	.	PUNCT
fsr-3374	2059	1	01	01	NUM
fsr-3374	2059	2	12	12	NUM
fsr-3374	2059	3	0	0	NUM
fsr-3374	2059	4	.	.	PUNCT
fsr-3374	2060	1	01	01	NUM
fsr-3374	2060	2	72	72	NUM
fsr-3374	2060	3	0	0	NUM
fsr-3374	2060	4	.	.	PUNCT
fsr-3374	2061	1	01	01	NUM
fsr-3374	2062	1	07	07	NUM
fsr-3374	2062	2	0	0	NUM
fsr-3374	2062	3	.	.	PUNCT
fsr-3374	2063	1	01	01	NUM
fsr-3374	2063	2	13	13	NUM
fsr-3374	2063	3	0	0	NUM
fsr-3374	2063	4	.	.	PUNCT
fsr-3374	2063	5	00	00	NUM
fsr-3374	2064	1	99	99	NUM
fsr-3374	2064	2	a	a	DET
fsr-3374	2064	3	nn	nn	X
fsr-3374	2064	4	ua	ua	PROPN
fsr-3374	2064	5	l	l	PROPN
fsr-3374	2064	6	in	in	ADP
fsr-3374	2064	7	co	co	PROPN
fsr-3374	2064	8	m	m	PROPN
fsr-3374	2064	9	e	e	X
fsr-3374	2064	10	(	(	PUNCT
fsr-3374	2064	11	l	l	NOUN
fsr-3374	2064	12	es	es	X
fsr-3374	2064	13	s	s	X
fsr-3374	2064	14	th	th	X
fsr-3374	2064	15	an	an	DET
fsr-3374	2064	16	$	$	SYM
fsr-3374	2064	17	1	1	NUM
fsr-3374	2064	18	5	5	NUM
fsr-3374	2064	19	,	,	PUNCT
fsr-3374	2064	20	00	00	NUM
fsr-3374	2064	21	0	0	NUM
fsr-3374	2064	22	)	)	PUNCT
fsr-3374	2064	23	$	$	SYM
fsr-3374	2064	24	1	1	NUM
fsr-3374	2064	25	5	5	NUM
fsr-3374	2064	26	,	,	PUNCT
fsr-3374	2064	27	00	00	NUM
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fsr-3374	2064	29	to	to	PART
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fsr-3374	2064	31	ss	ss	NOUN
fsr-3374	2064	32	th	th	X
fsr-3374	2064	33	an	an	DET
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fsr-3374	2064	35	2	2	NUM
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fsr-3374	2064	37	,	,	PUNCT
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fsr-3374	2064	40	0	0	NUM
fsr-3374	2064	41	.	.	PUNCT
fsr-3374	2065	1	02	02	NUM
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fsr-3374	2066	2	0	0	NUM
fsr-3374	2066	3	.	.	PROPN
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fsr-3374	2067	2	24	24	NUM
fsr-3374	2067	3	*	*	PUNCT
fsr-3374	2067	4	*	*	NOUN
fsr-3374	2067	5	0	0	NUM
fsr-3374	2067	6	.	.	NUM
fsr-3374	2068	1	05	05	NUM
fsr-3374	2069	1	43	43	NUM
fsr-3374	2069	2	0	0	NUM
fsr-3374	2069	3	.	.	PUNCT
fsr-3374	2070	1	02	02	NUM
fsr-3374	2070	2	08	08	NUM
fsr-3374	2071	1	*	*	PUNCT
fsr-3374	2071	2	*	*	PUNCT
fsr-3374	2072	1	*	*	PUNCT
fsr-3374	2072	2	0	0	NUM
fsr-3374	2072	3	.	.	NUM
fsr-3374	2072	4	06	06	NUM
fsr-3374	2073	1	77	77	NUM
fsr-3374	2073	2	0	0	NUM
fsr-3374	2073	3	.	.	PUNCT
fsr-3374	2074	1	02	02	NUM
fsr-3374	2074	2	05	05	NUM
fsr-3374	2075	1	*	*	PUNCT
fsr-3374	2075	2	*	*	PUNCT
fsr-3374	2076	1	*	*	PUNCT
fsr-3374	2076	2	0	0	X
fsr-3374	2076	3	.	.	NUM
fsr-3374	2077	1	05	05	NUM
fsr-3374	2077	2	29	29	NUM
fsr-3374	2077	3	0	0	NUM
fsr-3374	2077	4	.	.	PUNCT
fsr-3374	2078	1	02	02	NUM
fsr-3374	2078	2	05	05	NUM
fsr-3374	2079	1	*	*	PUNCT
fsr-3374	2079	2	*	*	PUNCT
fsr-3374	2079	3	*	*	PUNCT
fsr-3374	2079	4	$	$	SYM
fsr-3374	2079	5	2	2	NUM
fsr-3374	2079	6	5	5	NUM
fsr-3374	2079	7	,	,	PUNCT
fsr-3374	2079	8	00	00	NUM
fsr-3374	2079	9	0	0	NUM
fsr-3374	2080	1	to	to	PART
fsr-3374	2080	2	le	le	VERB
fsr-3374	2080	3	ss	ss	NOUN
fsr-3374	2080	4	th	th	X
fsr-3374	2080	5	an	an	DET
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fsr-3374	2080	7	3	3	NUM
fsr-3374	2080	8	5	5	NUM
fsr-3374	2080	9	,	,	PUNCT
fsr-3374	2080	10	00	00	NUM
fsr-3374	2080	11	0	0	NUM
fsr-3374	2080	12	0	0	NUM
fsr-3374	2080	13	.	.	NOUN
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fsr-3374	2081	1	40	40	NUM
fsr-3374	2081	2	0	0	NUM
fsr-3374	2081	3	.	.	PUNCT
fsr-3374	2082	1	01	01	NUM
fsr-3374	2082	2	24	24	NUM
fsr-3374	2082	3	*	*	PUNCT
fsr-3374	2082	4	*	*	PUNCT
fsr-3374	2083	1	*	*	PUNCT
fsr-3374	2083	2	0	0	NUM
fsr-3374	2083	3	.	.	NUM
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fsr-3374	2083	5	09	09	NUM
fsr-3374	2083	6	0	0	NUM
fsr-3374	2083	7	.	.	PUNCT
fsr-3374	2084	1	02	02	NUM
fsr-3374	2084	2	05	05	NUM
fsr-3374	2085	1	*	*	PUNCT
fsr-3374	2085	2	*	*	PUNCT
fsr-3374	2086	1	*	*	PUNCT
fsr-3374	2086	2	0	0	NUM
fsr-3374	2086	3	.	.	NOUN
fsr-3374	2086	4	11	11	NUM
fsr-3374	2086	5	26	26	NUM
fsr-3374	2086	6	0	0	NUM
fsr-3374	2086	7	.	.	PUNCT
fsr-3374	2087	1	01	01	NUM
fsr-3374	2087	2	97	97	NUM
fsr-3374	2088	1	*	*	PUNCT
fsr-3374	2088	2	*	*	PUNCT
fsr-3374	2089	1	*	*	PUNCT
fsr-3374	2089	2	0	0	NUM
fsr-3374	2089	3	.	.	NOUN
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fsr-3374	2089	5	01	01	NUM
fsr-3374	2089	6	0	0	NUM
fsr-3374	2089	7	.	.	PUNCT
fsr-3374	2090	1	01	01	NUM
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fsr-3374	2091	1	*	*	PUNCT
fsr-3374	2091	2	*	*	PUNCT
fsr-3374	2091	3	*	*	PUNCT
fsr-3374	2091	4	$	$	SYM
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fsr-3374	2091	7	,	,	PUNCT
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fsr-3374	2091	9	0	0	NUM
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fsr-3374	2097	7	.	.	PUNCT
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fsr-3374	2100	3	.	.	NOUN
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fsr-3374	2100	7	.	.	PUNCT
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fsr-3374	2110	3	.	.	PUNCT
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fsr-3374	2114	4	.	.	PUNCT
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fsr-3374	2120	7	,	,	PUNCT
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fsr-3374	2122	3	.	.	PUNCT
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fsr-3374	2128	7	.	.	PROPN
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fsr-3374	2132	7	.	.	PUNCT
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fsr-3374	2138	7	.	.	PUNCT
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fsr-3374	2151	7	.	.	PUNCT
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fsr-3374	2154	7	.	.	PUNCT
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fsr-3374	2191	3	*	*	PUNCT
fsr-3374	2191	4	*	*	PUNCT
fsr-3374	2191	5	�	�	PROPN
fsr-3374	2191	6	0	0	NUM
fsr-3374	2191	7	.	.	NOUN
fsr-3374	2191	8	08	08	NUM
fsr-3374	2192	1	90	90	NUM
fsr-3374	2192	2	0	0	NUM
fsr-3374	2192	3	.	.	PUNCT
fsr-3374	2193	1	01	01	NUM
fsr-3374	2194	1	65	65	NUM
fsr-3374	2195	1	*	*	PUNCT
fsr-3374	2195	2	*	*	PUNCT
fsr-3374	2195	3	*	*	PUNCT
fsr-3374	2195	4	�	�	PROPN
fsr-3374	2195	5	0	0	NUM
fsr-3374	2195	6	.	.	PUNCT
fsr-3374	2195	7	03	03	NUM
fsr-3374	2196	1	62	62	NUM
fsr-3374	2196	2	0	0	NUM
fsr-3374	2196	3	.	.	PUNCT
fsr-3374	2197	1	01	01	NUM
fsr-3374	2198	1	65	65	NUM
fsr-3374	2198	2	*	*	PUNCT
fsr-3374	2198	3	*	*	PUNCT
fsr-3374	2198	4	m	m	VERB
fsr-3374	2198	5	ed	ed	NOUN
fsr-3374	2198	6	iu	iu	ADP
fsr-3374	2198	7	m	m	PROPN
fsr-3374	2198	8	�	�	PROPN
fsr-3374	2198	9	0	0	NUM
fsr-3374	2198	10	.	.	PUNCT
fsr-3374	2198	11	00	00	NUM
fsr-3374	2199	1	91	91	NUM
fsr-3374	2199	2	0	0	NUM
fsr-3374	2199	3	.	.	PUNCT
fsr-3374	2199	4	00	00	NUM
fsr-3374	2200	1	75	75	NUM
fsr-3374	2200	2	�	�	PROPN
fsr-3374	2200	3	0	0	NUM
fsr-3374	2200	4	.	.	PUNCT
fsr-3374	2200	5	03	03	NUM
fsr-3374	2201	1	92	92	NUM
fsr-3374	2201	2	0	0	NUM
fsr-3374	2201	3	.	.	PUNCT
fsr-3374	2202	1	01	01	NUM
fsr-3374	2202	2	22	22	NUM
fsr-3374	2203	1	*	*	PUNCT
fsr-3374	2203	2	*	*	PUNCT
fsr-3374	2203	3	*	*	PUNCT
fsr-3374	2203	4	�	�	PROPN
fsr-3374	2203	5	0	0	NUM
fsr-3374	2203	6	.	.	PUNCT
fsr-3374	2204	1	02	02	NUM
fsr-3374	2204	2	44	44	NUM
fsr-3374	2204	3	0	0	NUM
fsr-3374	2204	4	.	.	PUNCT
fsr-3374	2205	1	01	01	NUM
fsr-3374	2205	2	11	11	NUM
fsr-3374	2205	3	*	*	PUNCT
fsr-3374	2205	4	*	*	PUNCT
fsr-3374	2205	5	�	�	PROPN
fsr-3374	2205	6	0	0	NUM
fsr-3374	2205	7	.	.	PUNCT
fsr-3374	2205	8	02	02	NUM
fsr-3374	2205	9	19	19	NUM
fsr-3374	2205	10	0	0	NUM
fsr-3374	2205	11	.	.	PUNCT
fsr-3374	2206	1	01	01	NUM
fsr-3374	2206	2	08	08	NUM
fsr-3374	2207	1	*	*	PUNCT
fsr-3374	2207	2	*	*	PUNCT
fsr-3374	2207	3	fi	fi	NOUN
fsr-3374	2207	4	na	na	PROPN
fsr-3374	2207	5	nc	nc	PROPN
fsr-3374	2207	6	ia	ia	PROPN
fsr-3374	2207	7	l	l	PROPN
fsr-3374	2207	8	fr	fr	PROPN
fsr-3374	2207	9	ag	ag	PROPN
fsr-3374	2207	10	ili	ili	PROPN
fsr-3374	2208	1	ty	ty	INTJ
fsr-3374	2208	2	0	0	NUM
fsr-3374	2208	3	.	.	PUNCT
fsr-3374	2209	1	02	02	NUM
fsr-3374	2209	2	22	22	NUM
fsr-3374	2209	3	0	0	NUM
fsr-3374	2209	4	.	.	PUNCT
fsr-3374	2209	5	00	00	NUM
fsr-3374	2210	1	19	19	NUM
fsr-3374	2211	1	*	*	PUNCT
fsr-3374	2211	2	*	*	PUNCT
fsr-3374	2211	3	*	*	PUNCT
fsr-3374	2211	4	�	�	PROPN
fsr-3374	2211	5	0	0	NUM
fsr-3374	2211	6	.	.	PUNCT
fsr-3374	2211	7	04	04	NUM
fsr-3374	2212	1	07	07	NUM
fsr-3374	2212	2	0	0	NUM
fsr-3374	2212	3	.	.	PUNCT
fsr-3374	2212	4	00	00	NUM
fsr-3374	2213	1	30	30	NUM
fsr-3374	2214	1	*	*	PUNCT
fsr-3374	2214	2	*	*	PUNCT
fsr-3374	2215	1	*	*	PUNCT
fsr-3374	2215	2	0	0	NUM
fsr-3374	2215	3	.	.	NUM
fsr-3374	2215	4	00	00	NUM
fsr-3374	2216	1	30	30	NUM
fsr-3374	2216	2	0	0	NUM
fsr-3374	2216	3	.	.	PUNCT
fsr-3374	2216	4	00	00	NUM
fsr-3374	2217	1	28	28	NUM
fsr-3374	2217	2	�	�	PROPN
fsr-3374	2217	3	0	0	NUM
fsr-3374	2217	4	.	.	PROPN
fsr-3374	2217	5	01	01	NUM
fsr-3374	2217	6	40	40	NUM
fsr-3374	2217	7	0	0	NUM
fsr-3374	2217	8	.	.	PUNCT
fsr-3374	2217	9	00	00	NUM
fsr-3374	2218	1	26	26	NUM
fsr-3374	2219	1	*	*	PUNCT
fsr-3374	2219	2	*	*	PUNCT
fsr-3374	2219	3	*	*	PUNCT
fsr-3374	2219	4	n	n	AUX
fsr-3374	2219	5	um	um	INTJ
fsr-3374	2219	6	be	be	AUX
fsr-3374	2219	7	r	r	NOUN
fsr-3374	2219	8	of	of	ADP
fsr-3374	2219	9	ob	ob	X
fsr-3374	2219	10	se	se	PROPN
fsr-3374	2219	11	rv	rv	PROPN
fsr-3374	2219	12	at	at	ADP
fsr-3374	2219	13	io	io	PROPN
fsr-3374	2219	14	ns	ns	NUM
fsr-3374	2219	15	16	16	NUM
fsr-3374	2219	16	,	,	PUNCT
fsr-3374	2219	17	5	5	NUM
fsr-3374	2219	18	88	88	NUM
fsr-3374	2219	19	16	16	NUM
fsr-3374	2219	20	,	,	PUNCT
fsr-3374	2219	21	5	5	NUM
fsr-3374	2219	22	88	88	NUM
fsr-3374	2219	23	16	16	NUM
fsr-3374	2219	24	,	,	PUNCT
fsr-3374	2219	25	5	5	NUM
fsr-3374	2219	26	88	88	NUM
fsr-3374	2219	27	16	16	NUM
fsr-3374	2219	28	,	,	PUNCT
fsr-3374	2219	29	5	5	NUM
fsr-3374	2219	30	88	88	NUM
fsr-3374	2219	31	*	*	SYM
fsr-3374	2219	32	s	s	PART
fsr-3374	2219	33	ig	ig	PROPN
fsr-3374	2219	34	ni	ni	PROPN
fsr-3374	2219	35	fic	fic	PROPN
fsr-3374	2219	36	an	an	PROPN
fsr-3374	2219	37	ce	ce	PROPN
fsr-3374	2219	38	at	at	ADP
fsr-3374	2219	39	10	10	NUM
fsr-3374	2219	40	%	%	NOUN
fsr-3374	2219	41	le	le	INTJ
fsr-3374	2219	42	ve	ve	PROPN
fsr-3374	2219	43	l	l	NOUN
fsr-3374	2219	44	;	;	PUNCT
fsr-3374	2219	45	*	*	PUNCT
fsr-3374	2219	46	*	*	PUNCT
fsr-3374	2219	47	si	si	PROPN
fsr-3374	2219	48	gn	gn	PROPN
fsr-3374	2219	49	ifi	ifi	PROPN
fsr-3374	2219	50	ca	ca	PROPN
fsr-3374	2219	51	nc	nc	PROPN
fsr-3374	2219	52	e	e	PROPN
fsr-3374	2219	53	at	at	ADP
fsr-3374	2219	54	5	5	NUM
fsr-3374	2219	55	%	%	NOUN
fsr-3374	2219	56	le	le	X
fsr-3374	2219	57	ve	ve	PROPN
fsr-3374	2219	58	l	l	NOUN
fsr-3374	2219	59	;	;	PUNCT
fsr-3374	2220	1	*	*	PUNCT
fsr-3374	2220	2	*	*	PUNCT
fsr-3374	2220	3	*	*	PUNCT
fsr-3374	2220	4	s	s	AUX
fsr-3374	2220	5	ig	ig	PROPN
fsr-3374	2220	6	ni	ni	PROPN
fsr-3374	2220	7	fic	fic	PROPN
fsr-3374	2220	8	an	an	PROPN
fsr-3374	2220	9	ce	ce	PROPN
fsr-3374	2220	10	at	at	ADP
fsr-3374	2220	11	1	1	NUM
fsr-3374	2220	12	%	%	NOUN
fsr-3374	2220	13	le	le	X
fsr-3374	2220	14	ve	ve	VERB
fsr-3374	2220	15	l.	l.	PROPN
fsr-3374	2220	16	428	428	NUM
fsr-3374	2220	17	m.h	m.h	PROPN
fsr-3374	2220	18	.	.	PROPN
fsr-3374	2220	19	alyousif	alyousif	PROPN
fsr-3374	2220	20	,	,	PUNCT
fsr-3374	2220	21	c.m	c.m	PROPN
fsr-3374	2220	22	.	.	PROPN
fsr-3374	2220	23	kalenkoski	kalenkoski	PROPN
fsr-3374	2220	24	/	/	SYM
fsr-3374	2220	25	financial	financial	ADJ
fsr-3374	2220	26	services	service	NOUN
fsr-3374	2220	27	review	review	VERB
fsr-3374	2220	28	26	26	NUM
fsr-3374	2220	29	(	(	PUNCT
fsr-3374	2220	30	2017	2017	NUM
fsr-3374	2220	31	)	)	PUNCT
fsr-3374	2221	1	405–432	405–432	NUM
fsr-3374	2221	2	risk	risk	NOUN
fsr-3374	2221	3	tolerance	tolerance	NOUN
fsr-3374	2221	4	are	be	AUX
fsr-3374	2221	5	related	relate	VERB
fsr-3374	2221	6	positively	positively	ADV
fsr-3374	2221	7	to	to	ADP
fsr-3374	2221	8	the	the	DET
fsr-3374	2221	9	demand	demand	NOUN
fsr-3374	2221	10	for	for	ADP
fsr-3374	2221	11	all	all	DET
fsr-3374	2221	12	types	type	NOUN
fsr-3374	2221	13	of	of	ADP
fsr-3374	2221	14	financial	financial	ADJ
fsr-3374	2221	15	advice	advice	NOUN
fsr-3374	2221	16	and	and	CCONJ
fsr-3374	2221	17	more	more	ADV
fsr-3374	2221	18	greatly	greatly	ADV
fsr-3374	2221	19	affect	affect	VERB
fsr-3374	2221	20	the	the	DET
fsr-3374	2221	21	probability	probability	NOUN
fsr-3374	2221	22	of	of	ADP
fsr-3374	2221	23	seeking	seek	VERB
fsr-3374	2221	24	advice	advice	NOUN
fsr-3374	2221	25	than	than	SCONJ
fsr-3374	2221	26	do	do	VERB
fsr-3374	2221	27	other	other	ADJ
fsr-3374	2221	28	variables	variable	NOUN
fsr-3374	2221	29	.	.	PUNCT
fsr-3374	2222	1	the	the	DET
fsr-3374	2222	2	finding	finding	NOUN
fsr-3374	2222	3	for	for	ADP
fsr-3374	2222	4	income	income	NOUN
fsr-3374	2222	5	is	be	AUX
fsr-3374	2222	6	consistent	consistent	ADJ
fsr-3374	2222	7	with	with	ADP
fsr-3374	2222	8	the	the	DET
fsr-3374	2222	9	article	article	NOUN
fsr-3374	2222	10	’s	’s	PART
fsr-3374	2222	11	expectation	expectation	NOUN
fsr-3374	2222	12	that	that	SCONJ
fsr-3374	2222	13	those	those	PRON
fsr-3374	2222	14	with	with	ADP
fsr-3374	2222	15	relatively	relatively	ADV
fsr-3374	2222	16	high	high	ADJ
fsr-3374	2222	17	incomes	income	NOUN
fsr-3374	2222	18	might	might	AUX
fsr-3374	2222	19	have	have	AUX
fsr-3374	2222	20	a	a	DET
fsr-3374	2222	21	sufficient	sufficient	ADJ
fsr-3374	2222	22	level	level	NOUN
fsr-3374	2222	23	of	of	ADP
fsr-3374	2222	24	financial	financial	ADJ
fsr-3374	2222	25	sophistication	sophistication	NOUN
fsr-3374	2222	26	to	to	PART
fsr-3374	2222	27	seek	seek	VERB
fsr-3374	2222	28	financial	financial	ADJ
fsr-3374	2222	29	advice	advice	NOUN
fsr-3374	2222	30	in	in	ADP
fsr-3374	2222	31	the	the	DET
fsr-3374	2222	32	areas	area	NOUN
fsr-3374	2222	33	of	of	ADP
fsr-3374	2222	34	savings	saving	NOUN
fsr-3374	2222	35	/	/	SYM
fsr-3374	2222	36	investment	investment	NOUN
fsr-3374	2222	37	,	,	PUNCT
fsr-3374	2222	38	mortgages	mortgage	NOUN
fsr-3374	2222	39	/	/	SYM
fsr-3374	2222	40	loans	loan	NOUN
fsr-3374	2222	41	,	,	PUNCT
fsr-3374	2222	42	insurance	insurance	NOUN
fsr-3374	2222	43	,	,	PUNCT
fsr-3374	2222	44	and	and	CCONJ
fsr-3374	2222	45	tax	tax	NOUN
fsr-3374	2222	46	planning	planning	NOUN
fsr-3374	2222	47	.	.	PUNCT
fsr-3374	2223	1	the	the	DET
fsr-3374	2223	2	positive	positive	ADJ
fsr-3374	2223	3	relation	relation	NOUN
fsr-3374	2223	4	between	between	ADP
fsr-3374	2223	5	income	income	NOUN
fsr-3374	2223	6	and	and	CCONJ
fsr-3374	2223	7	debt	debt	NOUN
fsr-3374	2223	8	counseling	counseling	NOUN
fsr-3374	2223	9	was	be	AUX
fsr-3374	2223	10	not	not	PART
fsr-3374	2223	11	expected	expect	VERB
fsr-3374	2223	12	,	,	PUNCT
fsr-3374	2223	13	however	however	ADV
fsr-3374	2223	14	.	.	PUNCT
fsr-3374	2224	1	this	this	DET
fsr-3374	2224	2	relation	relation	NOUN
fsr-3374	2224	3	could	could	AUX
fsr-3374	2224	4	be	be	AUX
fsr-3374	2224	5	interpreted	interpret	VERB
fsr-3374	2224	6	as	as	ADP
fsr-3374	2224	7	the	the	DET
fsr-3374	2224	8	result	result	NOUN
fsr-3374	2224	9	of	of	ADP
fsr-3374	2224	10	a	a	DET
fsr-3374	2224	11	tendency	tendency	NOUN
fsr-3374	2224	12	of	of	ADP
fsr-3374	2224	13	those	those	PRON
fsr-3374	2224	14	who	who	PRON
fsr-3374	2224	15	see	see	VERB
fsr-3374	2224	16	increases	increase	NOUN
fsr-3374	2224	17	in	in	ADP
fsr-3374	2224	18	income	income	NOUN
fsr-3374	2224	19	to	to	PART
fsr-3374	2224	20	accumulate	accumulate	VERB
fsr-3374	2224	21	debt	debt	NOUN
fsr-3374	2224	22	to	to	PART
fsr-3374	2224	23	fund	fund	VERB
fsr-3374	2224	24	a	a	DET
fsr-3374	2224	25	lifestyle	lifestyle	NOUN
fsr-3374	2224	26	that	that	PRON
fsr-3374	2224	27	exceeds	exceed	VERB
fsr-3374	2224	28	their	their	PRON
fsr-3374	2224	29	income	income	NOUN
fsr-3374	2224	30	level	level	NOUN
fsr-3374	2224	31	.	.	PUNCT
fsr-3374	2225	1	risk	risk	NOUN
fsr-3374	2225	2	tolerance	tolerance	NOUN
fsr-3374	2225	3	plays	play	VERB
fsr-3374	2225	4	a	a	DET
fsr-3374	2225	5	significant	significant	ADJ
fsr-3374	2225	6	role	role	NOUN
fsr-3374	2225	7	and	and	CCONJ
fsr-3374	2225	8	demonstrates	demonstrate	VERB
fsr-3374	2225	9	a	a	DET
fsr-3374	2225	10	strong	strong	ADJ
fsr-3374	2225	11	positive	positive	ADJ
fsr-3374	2225	12	effect	effect	NOUN
fsr-3374	2225	13	on	on	ADP
fsr-3374	2225	14	the	the	DET
fsr-3374	2225	15	demand	demand	NOUN
fsr-3374	2225	16	for	for	ADP
fsr-3374	2225	17	all	all	DET
fsr-3374	2225	18	types	type	NOUN
fsr-3374	2225	19	of	of	ADP
fsr-3374	2225	20	financial	financial	ADJ
fsr-3374	2225	21	advice	advice	NOUN
fsr-3374	2225	22	.	.	PUNCT
fsr-3374	2226	1	however	however	ADV
fsr-3374	2226	2	,	,	PUNCT
fsr-3374	2226	3	the	the	DET
fsr-3374	2226	4	subjective	subjective	ADJ
fsr-3374	2226	5	assessment	assessment	NOUN
fsr-3374	2226	6	of	of	ADP
fsr-3374	2226	7	risk	risk	NOUN
fsr-3374	2226	8	tolerance	tolerance	NOUN
fsr-3374	2226	9	in	in	ADP
fsr-3374	2226	10	the	the	DET
fsr-3374	2226	11	survey	survey	NOUN
fsr-3374	2226	12	raises	raise	VERB
fsr-3374	2226	13	a	a	DET
fsr-3374	2226	14	question	question	NOUN
fsr-3374	2226	15	about	about	ADP
fsr-3374	2226	16	the	the	DET
fsr-3374	2226	17	accuracy	accuracy	NOUN
fsr-3374	2226	18	and	and	CCONJ
fsr-3374	2226	19	reliability	reliability	NOUN
fsr-3374	2226	20	of	of	ADP
fsr-3374	2226	21	this	this	DET
fsr-3374	2226	22	measure	measure	NOUN
fsr-3374	2226	23	in	in	ADP
fsr-3374	2226	24	reflecting	reflect	VERB
fsr-3374	2226	25	respondents	respondent	NOUN
fsr-3374	2226	26	’	'	PUNCT
fsr-3374	2226	27	actual	actual	ADJ
fsr-3374	2226	28	risk	risk	NOUN
fsr-3374	2226	29	tolerance	tolerance	NOUN
fsr-3374	2226	30	and	and	CCONJ
fsr-3374	2226	31	their	their	PRON
fsr-3374	2226	32	understanding	understanding	NOUN
fsr-3374	2226	33	of	of	ADP
fsr-3374	2226	34	its	its	PRON
fsr-3374	2226	35	significance	significance	NOUN
fsr-3374	2226	36	for	for	ADP
fsr-3374	2226	37	their	their	PRON
fsr-3374	2226	38	financial	financial	ADJ
fsr-3374	2226	39	investments	investment	NOUN
fsr-3374	2226	40	.	.	PUNCT
fsr-3374	2227	1	a	a	DET
fsr-3374	2227	2	low	low	ADJ
fsr-3374	2227	3	perception	perception	NOUN
fsr-3374	2227	4	of	of	ADP
fsr-3374	2227	5	financial	financial	ADJ
fsr-3374	2227	6	knowledge	knowledge	NOUN
fsr-3374	2227	7	decreases	decrease	VERB
fsr-3374	2227	8	the	the	DET
fsr-3374	2227	9	demand	demand	NOUN
fsr-3374	2227	10	for	for	ADP
fsr-3374	2227	11	all	all	DET
fsr-3374	2227	12	types	type	NOUN
fsr-3374	2227	13	of	of	ADP
fsr-3374	2227	14	financial	financial	ADJ
fsr-3374	2227	15	advice	advice	NOUN
fsr-3374	2227	16	except	except	SCONJ
fsr-3374	2227	17	debt	debt	NOUN
fsr-3374	2227	18	counseling	counseling	NOUN
fsr-3374	2227	19	.	.	PUNCT
fsr-3374	2228	1	this	this	DET
fsr-3374	2228	2	finding	finding	NOUN
fsr-3374	2228	3	does	do	AUX
fsr-3374	2228	4	not	not	PART
fsr-3374	2228	5	support	support	VERB
fsr-3374	2228	6	the	the	DET
fsr-3374	2228	7	expected	expect	VERB
fsr-3374	2228	8	negative	negative	ADJ
fsr-3374	2228	9	relation	relation	NOUN
fsr-3374	2228	10	between	between	ADP
fsr-3374	2228	11	perceived	perceive	VERB
fsr-3374	2228	12	financial	financial	ADJ
fsr-3374	2228	13	knowledge	knowledge	NOUN
fsr-3374	2228	14	and	and	CCONJ
fsr-3374	2228	15	the	the	DET
fsr-3374	2228	16	demand	demand	NOUN
fsr-3374	2228	17	for	for	ADP
fsr-3374	2228	18	financial	financial	ADJ
fsr-3374	2228	19	advice	advice	NOUN
fsr-3374	2228	20	and	and	CCONJ
fsr-3374	2228	21	contradicts	contradict	VERB
fsr-3374	2228	22	some	some	DET
fsr-3374	2228	23	findings	finding	NOUN
fsr-3374	2228	24	in	in	ADP
fsr-3374	2228	25	prior	prior	ADJ
fsr-3374	2228	26	research	research	NOUN
fsr-3374	2228	27	.	.	PUNCT
fsr-3374	2229	1	this	this	DET
fsr-3374	2229	2	subjective	subjective	ADJ
fsr-3374	2229	3	assessment	assessment	NOUN
fsr-3374	2229	4	of	of	ADP
fsr-3374	2229	5	financial	financial	ADJ
fsr-3374	2229	6	knowledge	knowledge	NOUN
fsr-3374	2229	7	might	might	AUX
fsr-3374	2229	8	become	become	VERB
fsr-3374	2229	9	a	a	DET
fsr-3374	2229	10	psychological	psychological	ADJ
fsr-3374	2229	11	barrier	barrier	NOUN
fsr-3374	2229	12	that	that	PRON
fsr-3374	2229	13	decreases	decrease	VERB
fsr-3374	2229	14	the	the	DET
fsr-3374	2229	15	demand	demand	NOUN
fsr-3374	2229	16	for	for	ADP
fsr-3374	2229	17	financial	financial	ADJ
fsr-3374	2229	18	advice	advice	NOUN
fsr-3374	2229	19	because	because	SCONJ
fsr-3374	2229	20	respondents	respondent	NOUN
fsr-3374	2229	21	are	be	AUX
fsr-3374	2229	22	not	not	PART
fsr-3374	2229	23	confident	confident	ADJ
fsr-3374	2229	24	in	in	ADP
fsr-3374	2229	25	their	their	PRON
fsr-3374	2229	26	ability	ability	NOUN
fsr-3374	2229	27	to	to	PART
fsr-3374	2229	28	assess	assess	VERB
fsr-3374	2229	29	financial	financial	ADJ
fsr-3374	2229	30	products	product	NOUN
fsr-3374	2229	31	and	and	CCONJ
fsr-3374	2229	32	monitor	monitor	VERB
fsr-3374	2229	33	agency	agency	NOUN
fsr-3374	2229	34	relationships	relationship	NOUN
fsr-3374	2229	35	.	.	PUNCT
fsr-3374	2230	1	on	on	ADP
fsr-3374	2230	2	the	the	DET
fsr-3374	2230	3	other	other	ADJ
fsr-3374	2230	4	hand	hand	NOUN
fsr-3374	2230	5	,	,	PUNCT
fsr-3374	2230	6	financial	financial	ADJ
fsr-3374	2230	7	fragility	fragility	NOUN
fsr-3374	2230	8	,	,	PUNCT
fsr-3374	2230	9	has	have	AUX
fsr-3374	2230	10	been	be	AUX
fsr-3374	2230	11	found	find	VERB
fsr-3374	2230	12	to	to	PART
fsr-3374	2230	13	be	be	AUX
fsr-3374	2230	14	related	relate	VERB
fsr-3374	2230	15	negatively	negatively	ADV
fsr-3374	2230	16	to	to	ADP
fsr-3374	2230	17	seeking	seek	VERB
fsr-3374	2230	18	financial	financial	ADJ
fsr-3374	2230	19	advice	advice	NOUN
fsr-3374	2230	20	about	about	ADP
fsr-3374	2230	21	savings	saving	NOUN
fsr-3374	2230	22	/	/	SYM
fsr-3374	2230	23	investment	investment	NOUN
fsr-3374	2230	24	,	,	PUNCT
fsr-3374	2230	25	insurance	insurance	NOUN
fsr-3374	2230	26	,	,	PUNCT
fsr-3374	2230	27	and	and	CCONJ
fsr-3374	2230	28	tax	tax	NOUN
fsr-3374	2230	29	planning	planning	NOUN
fsr-3374	2230	30	,	,	PUNCT
fsr-3374	2230	31	and	and	CCONJ
fsr-3374	2230	32	related	relate	VERB
fsr-3374	2230	33	positively	positively	ADV
fsr-3374	2230	34	to	to	ADP
fsr-3374	2230	35	seeking	seek	VERB
fsr-3374	2230	36	debt	debt	NOUN
fsr-3374	2230	37	counseling	counseling	NOUN
fsr-3374	2230	38	.	.	PUNCT
fsr-3374	2231	1	people	people	NOUN
fsr-3374	2231	2	who	who	PRON
fsr-3374	2231	3	struggle	struggle	VERB
fsr-3374	2231	4	with	with	ADP
fsr-3374	2231	5	their	their	PRON
fsr-3374	2231	6	expenses	expense	NOUN
fsr-3374	2231	7	and	and	CCONJ
fsr-3374	2231	8	are	be	AUX
fsr-3374	2231	9	not	not	PART
fsr-3374	2231	10	able	able	ADJ
fsr-3374	2231	11	to	to	PART
fsr-3374	2231	12	save	save	VERB
fsr-3374	2231	13	for	for	ADP
fsr-3374	2231	14	retirement	retirement	NOUN
fsr-3374	2231	15	might	might	AUX
fsr-3374	2231	16	not	not	PART
fsr-3374	2231	17	have	have	VERB
fsr-3374	2231	18	the	the	DET
fsr-3374	2231	19	luxury	luxury	NOUN
fsr-3374	2231	20	to	to	PART
fsr-3374	2231	21	think	think	VERB
fsr-3374	2231	22	about	about	ADP
fsr-3374	2231	23	investment	investment	NOUN
fsr-3374	2231	24	or	or	CCONJ
fsr-3374	2231	25	tax	tax	NOUN
fsr-3374	2231	26	planning	planning	NOUN
fsr-3374	2231	27	.	.	PUNCT
fsr-3374	2232	1	financial	financial	ADJ
fsr-3374	2232	2	stress	stress	NOUN
fsr-3374	2232	3	would	would	AUX
fsr-3374	2232	4	draw	draw	VERB
fsr-3374	2232	5	their	their	PRON
fsr-3374	2232	6	attention	attention	NOUN
fsr-3374	2232	7	away	away	ADV
fsr-3374	2232	8	from	from	ADP
fsr-3374	2232	9	long	long	ADJ
fsr-3374	2232	10	-	-	PUNCT
fsr-3374	2232	11	term	term	NOUN
fsr-3374	2232	12	plans	plan	NOUN
fsr-3374	2232	13	toward	toward	ADP
fsr-3374	2232	14	immediate	immediate	ADJ
fsr-3374	2232	15	short	short	ADJ
fsr-3374	2232	16	-	-	PUNCT
fsr-3374	2232	17	term	term	NOUN
fsr-3374	2232	18	concerns	concern	NOUN
fsr-3374	2232	19	.	.	PUNCT
fsr-3374	2233	1	the	the	DET
fsr-3374	2233	2	survey	survey	NOUN
fsr-3374	2233	3	question	question	NOUN
fsr-3374	2233	4	about	about	ADP
fsr-3374	2233	5	seeking	seek	VERB
fsr-3374	2233	6	the	the	DET
fsr-3374	2233	7	five	five	NUM
fsr-3374	2233	8	types	type	NOUN
fsr-3374	2233	9	of	of	ADP
fsr-3374	2233	10	financial	financial	ADJ
fsr-3374	2233	11	advice	advice	NOUN
fsr-3374	2233	12	refers	refer	VERB
fsr-3374	2233	13	to	to	ADP
fsr-3374	2233	14	this	this	DET
fsr-3374	2233	15	behavior	behavior	NOUN
fsr-3374	2233	16	in	in	ADP
fsr-3374	2233	17	the	the	DET
fsr-3374	2233	18	past	past	ADJ
fsr-3374	2233	19	five	five	NUM
fsr-3374	2233	20	years	year	NOUN
fsr-3374	2233	21	and	and	CCONJ
fsr-3374	2233	22	does	do	AUX
fsr-3374	2233	23	not	not	PART
fsr-3374	2233	24	necessarily	necessarily	ADV
fsr-3374	2233	25	indicate	indicate	VERB
fsr-3374	2233	26	that	that	SCONJ
fsr-3374	2233	27	respondents	respondent	NOUN
fsr-3374	2233	28	never	never	ADV
fsr-3374	2233	29	seek	seek	VERB
fsr-3374	2233	30	professional	professional	ADJ
fsr-3374	2233	31	financial	financial	ADJ
fsr-3374	2233	32	advice	advice	NOUN
fsr-3374	2233	33	or	or	CCONJ
fsr-3374	2233	34	use	use	VERB
fsr-3374	2233	35	alternative	alternative	ADJ
fsr-3374	2233	36	sources	source	NOUN
fsr-3374	2233	37	such	such	ADJ
fsr-3374	2233	38	as	as	ADP
fsr-3374	2233	39	their	their	PRON
fsr-3374	2233	40	social	social	ADJ
fsr-3374	2233	41	network	network	NOUN
fsr-3374	2233	42	.	.	PUNCT
fsr-3374	2234	1	furthermore	furthermore	ADV
fsr-3374	2234	2	,	,	PUNCT
fsr-3374	2234	3	because	because	SCONJ
fsr-3374	2234	4	the	the	DET
fsr-3374	2234	5	survey	survey	NOUN
fsr-3374	2234	6	focuses	focus	VERB
fsr-3374	2234	7	on	on	ADP
fsr-3374	2234	8	individual	individual	ADJ
fsr-3374	2234	9	responses	response	NOUN
fsr-3374	2234	10	,	,	PUNCT
fsr-3374	2234	11	the	the	DET
fsr-3374	2234	12	household	household	NOUN
fsr-3374	2234	13	’s	’s	PART
fsr-3374	2234	14	behavior	behavior	NOUN
fsr-3374	2234	15	may	may	AUX
fsr-3374	2234	16	not	not	PART
fsr-3374	2234	17	be	be	AUX
fsr-3374	2234	18	observed	observe	VERB
fsr-3374	2234	19	accurately	accurately	ADV
fsr-3374	2234	20	.	.	PUNCT
fsr-3374	2235	1	if	if	SCONJ
fsr-3374	2235	2	the	the	DET
fsr-3374	2235	3	spouse	spouse	NOUN
fsr-3374	2235	4	,	,	PUNCT
fsr-3374	2235	5	for	for	ADP
fsr-3374	2235	6	example	example	NOUN
fsr-3374	2235	7	,	,	PUNCT
fsr-3374	2235	8	seeks	seek	VERB
fsr-3374	2235	9	financial	financial	ADJ
fsr-3374	2235	10	advice	advice	NOUN
fsr-3374	2235	11	,	,	PUNCT
fsr-3374	2235	12	then	then	ADV
fsr-3374	2235	13	the	the	DET
fsr-3374	2235	14	other	other	ADJ
fsr-3374	2235	15	spouse	spouse	NOUN
fsr-3374	2235	16	may	may	AUX
fsr-3374	2235	17	not	not	PART
fsr-3374	2235	18	indicate	indicate	VERB
fsr-3374	2235	19	seeking	seek	VERB
fsr-3374	2235	20	such	such	ADJ
fsr-3374	2235	21	advice	advice	NOUN
fsr-3374	2235	22	.	.	PUNCT
fsr-3374	2236	1	understanding	understand	VERB
fsr-3374	2236	2	the	the	DET
fsr-3374	2236	3	demand	demand	NOUN
fsr-3374	2236	4	for	for	ADP
fsr-3374	2236	5	professional	professional	ADJ
fsr-3374	2236	6	financial	financial	ADJ
fsr-3374	2236	7	advice	advice	NOUN
fsr-3374	2236	8	requires	require	VERB
fsr-3374	2236	9	an	an	DET
fsr-3374	2236	10	examination	examination	NOUN
fsr-3374	2236	11	of	of	ADP
fsr-3374	2236	12	the	the	DET
fsr-3374	2236	13	effect	effect	NOUN
fsr-3374	2236	14	that	that	SCONJ
fsr-3374	2236	15	salient	salient	NOUN
fsr-3374	2236	16	and	and	CCONJ
fsr-3374	2236	17	hidden	hidden	ADJ
fsr-3374	2236	18	fees	fee	NOUN
fsr-3374	2236	19	have	have	VERB
fsr-3374	2236	20	on	on	ADP
fsr-3374	2236	21	people	people	NOUN
fsr-3374	2236	22	’s	’s	PART
fsr-3374	2236	23	decisions	decision	NOUN
fsr-3374	2236	24	to	to	PART
fsr-3374	2236	25	contract	contract	VERB
fsr-3374	2236	26	financial	financial	ADJ
fsr-3374	2236	27	advisers	adviser	NOUN
fsr-3374	2236	28	.	.	PUNCT
fsr-3374	2237	1	in	in	ADP
fsr-3374	2237	2	addition	addition	NOUN
fsr-3374	2237	3	,	,	PUNCT
fsr-3374	2237	4	future	future	ADJ
fsr-3374	2237	5	research	research	NOUN
fsr-3374	2237	6	has	have	VERB
fsr-3374	2237	7	to	to	PART
fsr-3374	2237	8	examine	examine	VERB
fsr-3374	2237	9	the	the	DET
fsr-3374	2237	10	determinants	determinant	NOUN
fsr-3374	2237	11	of	of	ADP
fsr-3374	2237	12	trust	trust	NOUN
fsr-3374	2237	13	because	because	SCONJ
fsr-3374	2237	14	respondents	respondent	NOUN
fsr-3374	2237	15	lack	lack	VERB
fsr-3374	2237	16	the	the	DET
fsr-3374	2237	17	ability	ability	NOUN
fsr-3374	2237	18	to	to	PART
fsr-3374	2237	19	assess	assess	VERB
fsr-3374	2237	20	service	service	NOUN
fsr-3374	2237	21	quality	quality	NOUN
fsr-3374	2237	22	and	and	CCONJ
fsr-3374	2237	23	evaluate	evaluate	VERB
fsr-3374	2237	24	outcomes	outcome	NOUN
fsr-3374	2237	25	.	.	PUNCT
fsr-3374	2238	1	financial	financial	ADJ
fsr-3374	2238	2	advice	advice	NOUN
fsr-3374	2238	3	is	be	AUX
fsr-3374	2238	4	a	a	DET
fsr-3374	2238	5	mosaic	mosaic	ADJ
fsr-3374	2238	6	of	of	ADP
fsr-3374	2238	7	services	service	NOUN
fsr-3374	2238	8	,	,	PUNCT
fsr-3374	2238	9	and	and	CCONJ
fsr-3374	2238	10	several	several	ADJ
fsr-3374	2238	11	factors	factor	NOUN
fsr-3374	2238	12	influence	influence	VERB
fsr-3374	2238	13	the	the	DET
fsr-3374	2238	14	demand	demand	NOUN
fsr-3374	2238	15	for	for	ADP
fsr-3374	2238	16	different	different	ADJ
fsr-3374	2238	17	types	type	NOUN
fsr-3374	2238	18	of	of	ADP
fsr-3374	2238	19	advice	advice	NOUN
fsr-3374	2238	20	.	.	PUNCT
fsr-3374	2239	1	the	the	DET
fsr-3374	2239	2	similarity	similarity	NOUN
fsr-3374	2239	3	of	of	ADP
fsr-3374	2239	4	payment	payment	NOUN
fsr-3374	2239	5	-	-	PUNCT
fsr-3374	2239	6	reward	reward	NOUN
fsr-3374	2239	7	trade	trade	NOUN
fsr-3374	2239	8	-	-	PUNCT
fsr-3374	2239	9	off	off	NOUN
fsr-3374	2239	10	(	(	PUNCT
fsr-3374	2239	11	i.e.	i.e.	X
fsr-3374	2239	12	,	,	PUNCT
fsr-3374	2239	13	fee	fee	NOUN
fsr-3374	2239	14	payment	payment	NOUN
fsr-3374	2239	15	for	for	ADP
fsr-3374	2239	16	investment	investment	NOUN
fsr-3374	2239	17	return	return	NOUN
fsr-3374	2239	18	)	)	PUNCT
fsr-3374	2239	19	makes	make	VERB
fsr-3374	2239	20	financial	financial	ADJ
fsr-3374	2239	21	advice	advice	NOUN
fsr-3374	2239	22	a	a	DET
fsr-3374	2239	23	unique	unique	ADJ
fsr-3374	2239	24	service	service	NOUN
fsr-3374	2239	25	arrangement	arrangement	NOUN
fsr-3374	2239	26	because	because	SCONJ
fsr-3374	2239	27	individuals	individual	NOUN
fsr-3374	2239	28	’	'	PUNCT
fsr-3374	2239	29	mode	mode	NOUN
fsr-3374	2239	30	of	of	ADP
fsr-3374	2239	31	payment	payment	NOUN
fsr-3374	2239	32	is	be	AUX
fsr-3374	2239	33	that	that	DET
fsr-3374	2239	34	exact	exact	ADJ
fsr-3374	2239	35	commodity	commodity	NOUN
fsr-3374	2239	36	that	that	PRON
fsr-3374	2239	37	they	they	PRON
fsr-3374	2239	38	aim	aim	VERB
fsr-3374	2239	39	to	to	PART
fsr-3374	2239	40	preserve	preserve	VERB
fsr-3374	2239	41	and	and	CCONJ
fsr-3374	2239	42	grow	grow	VERB
fsr-3374	2239	43	to	to	PART
fsr-3374	2239	44	smooth	smooth	VERB
fsr-3374	2239	45	their	their	PRON
fsr-3374	2239	46	consumption	consumption	NOUN
fsr-3374	2239	47	power	power	NOUN
fsr-3374	2239	48	over	over	ADP
fsr-3374	2239	49	their	their	PRON
fsr-3374	2239	50	life	life	NOUN
fsr-3374	2239	51	cycle	cycle	NOUN
fsr-3374	2239	52	.	.	PUNCT
fsr-3374	2240	1	notes	note	VERB
fsr-3374	2240	2	1	1	NUM
fsr-3374	2240	3	the	the	DET
fsr-3374	2240	4	assets	asset	NOUN
fsr-3374	2240	5	&	&	CCONJ
fsr-3374	2240	6	opportunities	opportunity	NOUN
fsr-3374	2240	7	scorecard	scorecard	NOUN
fsr-3374	2240	8	is	be	AUX
fsr-3374	2240	9	a	a	DET
fsr-3374	2240	10	comprehensive	comprehensive	ADJ
fsr-3374	2240	11	look	look	NOUN
fsr-3374	2240	12	at	at	ADP
fsr-3374	2240	13	americans	americans	PROPN
fsr-3374	2240	14	’	'	PUNCT
fsr-3374	2240	15	financial	financial	ADJ
fsr-3374	2240	16	security	security	NOUN
fsr-3374	2240	17	based	base	VERB
fsr-3374	2240	18	on	on	ADP
fsr-3374	2240	19	130	130	NUM
fsr-3374	2240	20	outcome	outcome	NOUN
fsr-3374	2240	21	and	and	CCONJ
fsr-3374	2240	22	policy	policy	NOUN
fsr-3374	2240	23	measures	measure	NOUN
fsr-3374	2240	24	.	.	PUNCT
fsr-3374	2241	1	the	the	DET
fsr-3374	2241	2	scorecard	scorecard	NOUN
fsr-3374	2241	3	enables	enable	VERB
fsr-3374	2241	4	states	state	NOUN
fsr-3374	2241	5	429m.h	429m.h	NOUN
fsr-3374	2241	6	.	.	PUNCT
fsr-3374	2242	1	alyousif	alyousif	PROPN
fsr-3374	2242	2	,	,	PUNCT
fsr-3374	2242	3	c.m	c.m	PROPN
fsr-3374	2242	4	.	.	PROPN
fsr-3374	2242	5	kalenkoski	kalenkoski	PROPN
fsr-3374	2242	6	/	/	SYM
fsr-3374	2242	7	financial	financial	ADJ
fsr-3374	2242	8	services	service	NOUN
fsr-3374	2242	9	review	review	VERB
fsr-3374	2242	10	26	26	NUM
fsr-3374	2242	11	(	(	PUNCT
fsr-3374	2242	12	2017	2017	NUM
fsr-3374	2242	13	)	)	PUNCT
fsr-3374	2243	1	405–432	405–432	NUM
fsr-3374	2243	2	to	to	PART
fsr-3374	2243	3	benchmark	benchmark	VERB
fsr-3374	2243	4	their	their	PRON
fsr-3374	2243	5	outcomes	outcome	NOUN
fsr-3374	2243	6	and	and	CCONJ
fsr-3374	2243	7	policies	policy	NOUN
fsr-3374	2243	8	against	against	ADP
fsr-3374	2243	9	other	other	ADJ
fsr-3374	2243	10	states	state	NOUN
fsr-3374	2243	11	in	in	ADP
fsr-3374	2243	12	five	five	NUM
fsr-3374	2243	13	areas	area	NOUN
fsr-3374	2243	14	:	:	PUNCT
fsr-3374	2243	15	financial	financial	ADJ
fsr-3374	2243	16	assets	asset	NOUN
fsr-3374	2243	17	&	&	CCONJ
fsr-3374	2243	18	income	income	NOUN
fsr-3374	2243	19	,	,	PUNCT
fsr-3374	2243	20	businesses	business	NOUN
fsr-3374	2243	21	&	&	CCONJ
fsr-3374	2243	22	jobs	job	NOUN
fsr-3374	2243	23	,	,	PUNCT
fsr-3374	2243	24	housing	housing	NOUN
fsr-3374	2243	25	&	&	CCONJ
fsr-3374	2243	26	homeownership	homeownership	NOUN
fsr-3374	2243	27	,	,	PUNCT
fsr-3374	2243	28	health	health	NOUN
fsr-3374	2243	29	care	care	NOUN
fsr-3374	2243	30	,	,	PUNCT
fsr-3374	2243	31	and	and	CCONJ
fsr-3374	2243	32	education	education	NOUN
fsr-3374	2243	33	.	.	PUNCT
fsr-3374	2244	1	http://assetsandopportunity.org/scorecard	http://assetsandopportunity.org/scorecard	NOUN
fsr-3374	2244	2	2	2	NUM
fsr-3374	2244	3	self	self	NOUN
fsr-3374	2244	4	-	-	PUNCT
fsr-3374	2244	5	concealment	concealment	NOUN
fsr-3374	2244	6	refers	refer	VERB
fsr-3374	2244	7	to	to	ADP
fsr-3374	2244	8	the	the	DET
fsr-3374	2244	9	psychological	psychological	ADJ
fsr-3374	2244	10	tendency	tendency	NOUN
fsr-3374	2244	11	to	to	PART
fsr-3374	2244	12	keep	keep	VERB
fsr-3374	2244	13	perceived	perceive	VERB
fsr-3374	2244	14	negative	negative	ADJ
fsr-3374	2244	15	or	or	CCONJ
fsr-3374	2244	16	intimate	intimate	ADJ
fsr-3374	2244	17	personal	personal	ADJ
fsr-3374	2244	18	information	information	NOUN
fsr-3374	2244	19	secret	secret	ADJ
fsr-3374	2244	20	.	.	PUNCT
fsr-3374	2245	1	older	old	ADJ
fsr-3374	2245	2	homeowners	homeowner	NOUN
fsr-3374	2245	3	might	might	AUX
fsr-3374	2245	4	conceal	conceal	VERB
fsr-3374	2245	5	their	their	PRON
fsr-3374	2245	6	financial	financial	ADJ
fsr-3374	2245	7	difficulty	difficulty	NOUN
fsr-3374	2245	8	to	to	PART
fsr-3374	2245	9	protect	protect	VERB
fsr-3374	2245	10	their	their	PRON
fsr-3374	2245	11	social	social	ADJ
fsr-3374	2245	12	status	status	NOUN
fsr-3374	2245	13	and	and	CCONJ
fsr-3374	2245	14	perceived	perceive	VERB
fsr-3374	2245	15	financial	financial	ADJ
fsr-3374	2245	16	competency	competency	NOUN
fsr-3374	2245	17	.	.	PUNCT
fsr-3374	2246	1	3	3	NUM
fsr-3374	2247	1	the	the	DET
fsr-3374	2247	2	survey	survey	NOUN
fsr-3374	2247	3	’s	’s	PART
fsr-3374	2247	4	questionnaire	questionnaire	NOUN
fsr-3374	2247	5	asks	ask	VERB
fsr-3374	2247	6	for	for	ADP
fsr-3374	2247	7	detailed	detailed	ADJ
fsr-3374	2247	8	race	race	NOUN
fsr-3374	2247	9	and	and	CCONJ
fsr-3374	2247	10	ethnicity	ethnicity	NOUN
fsr-3374	2247	11	information	information	NOUN
fsr-3374	2247	12	but	but	CCONJ
fsr-3374	2247	13	the	the	DET
fsr-3374	2247	14	dataset	dataset	NOUN
fsr-3374	2247	15	provides	provide	VERB
fsr-3374	2247	16	information	information	NOUN
fsr-3374	2247	17	regarding	regard	VERB
fsr-3374	2247	18	white	white	ADJ
fsr-3374	2247	19	and	and	CCONJ
fsr-3374	2247	20	non	non	ADJ
fsr-3374	2247	21	-	-	ADJ
fsr-3374	2247	22	white	white	ADJ
fsr-3374	2247	23	only	only	ADV
fsr-3374	2247	24	.	.	PUNCT
fsr-3374	2248	1	4	4	NUM
fsr-3374	2248	2	the	the	DET
fsr-3374	2248	3	subjective	subjective	ADJ
fsr-3374	2248	4	risk	risk	NOUN
fsr-3374	2248	5	tolerance	tolerance	NOUN
fsr-3374	2248	6	levels	level	NOUN
fsr-3374	2248	7	as	as	ADP
fsr-3374	2248	8	per	per	ADP
fsr-3374	2248	9	the	the	DET
fsr-3374	2248	10	10	10	NUM
fsr-3374	2248	11	-	-	PUNCT
fsr-3374	2248	12	point	point	NOUN
fsr-3374	2248	13	scale	scale	NOUN
fsr-3374	2248	14	are	be	AUX
fsr-3374	2248	15	as	as	SCONJ
fsr-3374	2248	16	follows	follow	VERB
fsr-3374	2248	17	:	:	PUNCT
fsr-3374	2248	18	●	●	PUNCT
fsr-3374	2248	19	1–3	1–3	NOUN
fsr-3374	2248	20	:	:	PUNCT
fsr-3374	2248	21	low	low	ADJ
fsr-3374	2248	22	risk	risk	NOUN
fsr-3374	2248	23	tolerance	tolerance	NOUN
fsr-3374	2248	24	●	●	PUNCT
fsr-3374	2248	25	4–7	4–7	NOUN
fsr-3374	2248	26	:	:	PUNCT
fsr-3374	2249	1	medium	medium	ADJ
fsr-3374	2249	2	risk	risk	NOUN
fsr-3374	2249	3	tolerance	tolerance	NOUN
fsr-3374	2249	4	●	●	NOUN
fsr-3374	2249	5	8–10	8–10	NOUN
fsr-3374	2249	6	:	:	PUNCT
fsr-3374	2249	7	high	high	ADJ
fsr-3374	2249	8	risk	risk	NOUN
fsr-3374	2249	9	tolerance	tolerance	NOUN
fsr-3374	2249	10	5	5	NUM
fsr-3374	2249	11	the	the	DET
fsr-3374	2249	12	financial	financial	ADJ
fsr-3374	2249	13	knowledge	knowledge	NOUN
fsr-3374	2249	14	levels	level	NOUN
fsr-3374	2249	15	as	as	ADP
fsr-3374	2249	16	per	per	ADP
fsr-3374	2249	17	the	the	DET
fsr-3374	2249	18	seven	seven	NUM
fsr-3374	2249	19	-	-	PUNCT
fsr-3374	2249	20	point	point	NOUN
fsr-3374	2249	21	scale	scale	NOUN
fsr-3374	2249	22	are	be	AUX
fsr-3374	2249	23	as	as	SCONJ
fsr-3374	2249	24	follows	follow	VERB
fsr-3374	2249	25	:	:	PUNCT
fsr-3374	2249	26	●	●	PUNCT
fsr-3374	2249	27	1–3	1–3	NOUN
fsr-3374	2249	28	:	:	PUNCT
fsr-3374	2249	29	low	low	ADJ
fsr-3374	2249	30	financial	financial	ADJ
fsr-3374	2249	31	knowledge	knowledge	NOUN
fsr-3374	2249	32	●	●	NOUN
fsr-3374	2249	33	4	4	NUM
fsr-3374	2249	34	:	:	PUNCT
fsr-3374	2249	35	medium	medium	ADJ
fsr-3374	2249	36	financial	financial	ADJ
fsr-3374	2249	37	knowledge	knowledge	NOUN
fsr-3374	2249	38	●	●	PROPN
fsr-3374	2249	39	5–7	5–7	NUM
fsr-3374	2249	40	:	:	PUNCT
fsr-3374	2249	41	high	high	ADJ
fsr-3374	2249	42	financial	financial	ADJ
fsr-3374	2249	43	knowledge	knowledge	NOUN
fsr-3374	2249	44	6	6	NUM
fsr-3374	2249	45	the	the	DET
fsr-3374	2249	46	survey	survey	NOUN
fsr-3374	2249	47	question	question	NOUN
fsr-3374	2249	48	for	for	ADP
fsr-3374	2249	49	the	the	DET
fsr-3374	2249	50	dependent	dependent	ADJ
fsr-3374	2249	51	variables	variable	NOUN
fsr-3374	2249	52	is	be	AUX
fsr-3374	2249	53	:	:	PUNCT
fsr-3374	2249	54	in	in	ADP
fsr-3374	2249	55	the	the	DET
fsr-3374	2249	56	last	last	ADJ
fsr-3374	2249	57	five	five	NUM
fsr-3374	2249	58	years	year	NOUN
fsr-3374	2249	59	,	,	PUNCT
fsr-3374	2249	60	have	have	AUX
fsr-3374	2249	61	you	you	PRON
fsr-3374	2249	62	asked	ask	VERB
fsr-3374	2249	63	for	for	ADP
fsr-3374	2249	64	any	any	DET
fsr-3374	2249	65	advice	advice	NOUN
fsr-3374	2249	66	from	from	ADP
fsr-3374	2249	67	a	a	DET
fsr-3374	2249	68	financial	financial	ADJ
fsr-3374	2249	69	professional	professional	NOUN
fsr-3374	2249	70	about	about	ADP
fsr-3374	2249	71	any	any	PRON
fsr-3374	2249	72	of	of	ADP
fsr-3374	2249	73	the	the	DET
fsr-3374	2249	74	following	following	NOUN
fsr-3374	2249	75	?	?	PUNCT
fsr-3374	2250	1	debt	debt	NOUN
fsr-3374	2250	2	counseling	counseling	NOUN
fsr-3374	2250	3	—	—	PUNCT
fsr-3374	2250	4	savings	saving	NOUN
fsr-3374	2250	5	or	or	CCONJ
fsr-3374	2250	6	investment	investment	NOUN
fsr-3374	2250	7	—	—	PUNCT
fsr-3374	2250	8	taking	take	VERB
fsr-3374	2250	9	out	out	ADP
fsr-3374	2250	10	a	a	DET
fsr-3374	2250	11	mortgage	mortgage	NOUN
fsr-3374	2250	12	or	or	CCONJ
fsr-3374	2250	13	a	a	DET
fsr-3374	2250	14	loan	loan	NOUN
fsr-3374	2250	15	—	—	PUNCT
fsr-3374	2250	16	insurance	insurance	NOUN
fsr-3374	2250	17	of	of	ADP
fsr-3374	2250	18	any	any	DET
fsr-3374	2250	19	type	type	NOUN
fsr-3374	2250	20	—	—	PUNCT
fsr-3374	2250	21	tax	tax	NOUN
fsr-3374	2250	22	planning	planning	NOUN
fsr-3374	2250	23	.	.	PUNCT
fsr-3374	2251	1	7	7	NUM
fsr-3374	2251	2	wealth	wealth	NOUN
fsr-3374	2251	3	is	be	AUX
fsr-3374	2251	4	a	a	DET
fsr-3374	2251	5	preferable	preferable	ADJ
fsr-3374	2251	6	factor	factor	NOUN
fsr-3374	2251	7	in	in	ADP
fsr-3374	2251	8	the	the	DET
fsr-3374	2251	9	decision	decision	NOUN
fsr-3374	2251	10	to	to	PART
fsr-3374	2251	11	purchase	purchase	VERB
fsr-3374	2251	12	financial	financial	ADJ
fsr-3374	2251	13	advice	advice	NOUN
fsr-3374	2251	14	,	,	PUNCT
fsr-3374	2251	15	but	but	CCONJ
fsr-3374	2251	16	is	be	AUX
fsr-3374	2251	17	not	not	PART
fsr-3374	2251	18	included	include	VERB
fsr-3374	2251	19	in	in	ADP
fsr-3374	2251	20	the	the	DET
fsr-3374	2251	21	2012	2012	NUM
fsr-3374	2251	22	nfcs	nfc	NOUN
fsr-3374	2251	23	.	.	PUNCT
fsr-3374	2252	1	therefore	therefore	ADV
fsr-3374	2252	2	,	,	PUNCT
fsr-3374	2252	3	income	income	NOUN
fsr-3374	2252	4	has	have	AUX
fsr-3374	2252	5	been	be	AUX
fsr-3374	2252	6	used	use	VERB
fsr-3374	2252	7	to	to	PART
fsr-3374	2252	8	proxy	proxy	VERB
fsr-3374	2252	9	wealth	wealth	NOUN
fsr-3374	2252	10	in	in	ADP
fsr-3374	2252	11	the	the	DET
fsr-3374	2252	12	model	model	NOUN
fsr-3374	2252	13	as	as	SCONJ
fsr-3374	2252	14	the	the	DET
fsr-3374	2252	15	level	level	NOUN
fsr-3374	2252	16	of	of	ADP
fsr-3374	2252	17	earning	earn	VERB
fsr-3374	2252	18	power	power	NOUN
fsr-3374	2252	19	might	might	AUX
fsr-3374	2252	20	indicate	indicate	VERB
fsr-3374	2252	21	a	a	DET
fsr-3374	2252	22	level	level	NOUN
fsr-3374	2252	23	of	of	ADP
fsr-3374	2252	24	financial	financial	ADJ
fsr-3374	2252	25	sophistication	sophistication	NOUN
fsr-3374	2252	26	and	and	CCONJ
fsr-3374	2252	27	capability	capability	NOUN
fsr-3374	2252	28	to	to	PART
fsr-3374	2252	29	seek	seek	VERB
fsr-3374	2252	30	professional	professional	ADJ
fsr-3374	2252	31	financial	financial	ADJ
fsr-3374	2252	32	advice	advice	NOUN
fsr-3374	2252	33	.	.	PUNCT
fsr-3374	2253	1	8	8	NUM
fsr-3374	2253	2	risk	risk	NOUN
fsr-3374	2253	3	tolerance	tolerance	NOUN
fsr-3374	2253	4	has	have	AUX
fsr-3374	2253	5	been	be	AUX
fsr-3374	2253	6	aggregated	aggregate	VERB
fsr-3374	2253	7	into	into	ADP
fsr-3374	2253	8	three	three	NUM
fsr-3374	2253	9	levels	level	NOUN
fsr-3374	2253	10	because	because	SCONJ
fsr-3374	2253	11	the	the	DET
fsr-3374	2253	12	survey	survey	NOUN
fsr-3374	2253	13	question	question	NOUN
fsr-3374	2253	14	measures	measure	VERB
fsr-3374	2253	15	it	it	PRON
fsr-3374	2253	16	on	on	ADP
fsr-3374	2253	17	a	a	DET
fsr-3374	2253	18	scale	scale	NOUN
fsr-3374	2253	19	from	from	ADP
fsr-3374	2253	20	1	1	NUM
fsr-3374	2253	21	-	-	PUNCT
fsr-3374	2253	22	very	very	ADV
fsr-3374	2253	23	low	low	ADJ
fsr-3374	2253	24	to	to	ADP
fsr-3374	2253	25	10	10	NUM
fsr-3374	2253	26	-	-	PUNCT
fsr-3374	2253	27	very	very	ADV
fsr-3374	2253	28	high	high	ADJ
fsr-3374	2253	29	and	and	CCONJ
fsr-3374	2253	30	the	the	DET
fsr-3374	2253	31	responses	response	NOUN
fsr-3374	2253	32	are	be	AUX
fsr-3374	2253	33	almost	almost	ADV
fsr-3374	2253	34	evenly	evenly	ADV
fsr-3374	2253	35	distributed	distribute	VERB
fsr-3374	2253	36	across	across	ADP
fsr-3374	2253	37	the	the	DET
fsr-3374	2253	38	scale	scale	NOUN
fsr-3374	2253	39	.	.	PUNCT
fsr-3374	2254	1	9	9	NUM
fsr-3374	2254	2	subjective	subjective	ADJ
fsr-3374	2254	3	assessment	assessment	NOUN
fsr-3374	2254	4	of	of	ADP
fsr-3374	2254	5	financial	financial	ADJ
fsr-3374	2254	6	knowledge	knowledge	NOUN
fsr-3374	2254	7	has	have	AUX
fsr-3374	2254	8	been	be	AUX
fsr-3374	2254	9	aggregated	aggregate	VERB
fsr-3374	2254	10	into	into	ADP
fsr-3374	2254	11	three	three	NUM
fsr-3374	2254	12	levels	level	NOUN
fsr-3374	2254	13	because	because	SCONJ
fsr-3374	2254	14	the	the	DET
fsr-3374	2254	15	survey	survey	NOUN
fsr-3374	2254	16	question	question	NOUN
fsr-3374	2254	17	measures	measure	VERB
fsr-3374	2254	18	it	it	PRON
fsr-3374	2254	19	on	on	ADP
fsr-3374	2254	20	a	a	DET
fsr-3374	2254	21	scale	scale	NOUN
fsr-3374	2254	22	from	from	ADP
fsr-3374	2254	23	1	1	NUM
fsr-3374	2254	24	to	to	ADP
fsr-3374	2254	25	7	7	NUM
fsr-3374	2254	26	.	.	NOUN
fsr-3374	2254	27	10	10	NUM
fsr-3374	2254	28	the	the	DET
fsr-3374	2254	29	classification	classification	NOUN
fsr-3374	2254	30	of	of	ADP
fsr-3374	2254	31	younger	young	ADJ
fsr-3374	2254	32	respondents	respondent	NOUN
fsr-3374	2254	33	as	as	SCONJ
fsr-3374	2254	34	those	those	DET
fsr-3374	2254	35	aged	aged	ADJ
fsr-3374	2254	36	18–44	18–44	NUM
fsr-3374	2254	37	follows	follow	VERB
fsr-3374	2254	38	the	the	DET
fsr-3374	2254	39	methodology	methodology	NOUN
fsr-3374	2254	40	in	in	ADP
fsr-3374	2254	41	cfp	cfp	PROPN
fsr-3374	2254	42	2015	2015	NUM
fsr-3374	2254	43	stress	stress	NOUN
fsr-3374	2254	44	awareness	awareness	NOUN
fsr-3374	2254	45	month	month	NOUN
fsr-3374	2254	46	survey	survey	NOUN
fsr-3374	2254	47	report	report	NOUN
fsr-3374	2254	48	.	.	PUNCT
fsr-3374	2255	1	references	reference	NOUN
fsr-3374	2255	2	bajtelsmit	bajtelsmit	VERB
fsr-3374	2255	3	,	,	PUNCT
fsr-3374	2255	4	v.	v.	PROPN
fsr-3374	2255	5	l.	l.	PROPN
fsr-3374	2255	6	,	,	PUNCT
fsr-3374	2255	7	&	&	CCONJ
fsr-3374	2255	8	bernasek	bernasek	PROPN
fsr-3374	2255	9	,	,	PUNCT
fsr-3374	2255	10	a.	a.	NOUN
fsr-3374	2255	11	(	(	PUNCT
fsr-3374	2255	12	1996	1996	NUM
fsr-3374	2255	13	)	)	PUNCT
fsr-3374	2255	14	.	.	PUNCT
fsr-3374	2256	1	why	why	SCONJ
fsr-3374	2256	2	do	do	AUX
fsr-3374	2256	3	women	woman	NOUN
fsr-3374	2256	4	invest	invest	VERB
fsr-3374	2256	5	differently	differently	ADV
fsr-3374	2256	6	than	than	ADP
fsr-3374	2256	7	men	man	NOUN
fsr-3374	2256	8	?	?	PUNCT
fsr-3374	2257	1	journal	journal	NOUN
fsr-3374	2257	2	of	of	ADP
fsr-3374	2257	3	financial	financial	ADJ
fsr-3374	2257	4	counseling	counseling	NOUN
fsr-3374	2257	5	and	and	CCONJ
fsr-3374	2257	6	planning	planning	NOUN
fsr-3374	2257	7	,	,	PUNCT
fsr-3374	2257	8	7	7	NUM
fsr-3374	2257	9	,	,	PUNCT
fsr-3374	2257	10	1–10	1–10	NOUN
fsr-3374	2257	11	.	.	PUNCT
fsr-3374	2258	1	brooks	brooks	PROPN
fsr-3374	2258	2	,	,	PUNCT
fsr-3374	2258	3	j.	j.	PROPN
fsr-3374	2258	4	,	,	PUNCT
fsr-3374	2258	5	wiedrich	wiedrich	PROPN
fsr-3374	2258	6	,	,	PUNCT
fsr-3374	2258	7	k.	k.	PROPN
fsr-3374	2258	8	,	,	PUNCT
fsr-3374	2258	9	sims	sim	NOUN
fsr-3374	2258	10	,	,	PUNCT
fsr-3374	2258	11	l.	l.	PROPN
fsr-3374	2258	12	,	,	PUNCT
fsr-3374	2258	13	&	&	CCONJ
fsr-3374	2258	14	rice	rice	PROPN
fsr-3374	2258	15	,	,	PUNCT
fsr-3374	2258	16	s.	s.	PROPN
fsr-3374	2258	17	(	(	PUNCT
fsr-3374	2258	18	2015	2015	NUM
fsr-3374	2258	19	)	)	PUNCT
fsr-3374	2258	20	.	.	PUNCT
fsr-3374	2259	1	excluded	exclude	VERB
fsr-3374	2259	2	from	from	ADP
fsr-3374	2259	3	the	the	DET
fsr-3374	2259	4	financial	financial	ADJ
fsr-3374	2259	5	mainstream	mainstream	NOUN
fsr-3374	2259	6	:	:	PUNCT
fsr-3374	2259	7	how	how	SCONJ
fsr-3374	2259	8	the	the	DET
fsr-3374	2259	9	economic	economic	ADJ
fsr-3374	2259	10	recovery	recovery	NOUN
fsr-3374	2259	11	is	be	AUX
fsr-3374	2259	12	bypassing	bypass	VERB
fsr-3374	2259	13	millions	million	NOUN
fsr-3374	2259	14	of	of	ADP
fsr-3374	2259	15	americans	americans	PROPN
fsr-3374	2259	16	.	.	PUNCT
fsr-3374	2260	1	(	(	PUNCT
fsr-3374	2260	2	available	available	ADJ
fsr-3374	2260	3	at	at	ADP
fsr-3374	2260	4	http://assetsandopportunity.org/score	http://assetsandopportunity.org/score	PROPN
fsr-3374	2260	5	card	card	NOUN
fsr-3374	2260	6	)	)	PUNCT
fsr-3374	2260	7	burton	burton	PROPN
fsr-3374	2260	8	,	,	PUNCT
fsr-3374	2260	9	d.	d.	PROPN
fsr-3374	2260	10	(	(	PUNCT
fsr-3374	2260	11	1995	1995	NUM
fsr-3374	2260	12	)	)	PUNCT
fsr-3374	2260	13	.	.	PUNCT
fsr-3374	2261	1	women	woman	NOUN
fsr-3374	2261	2	and	and	CCONJ
fsr-3374	2261	3	financial	financial	ADJ
fsr-3374	2261	4	services	service	NOUN
fsr-3374	2261	5	:	:	PUNCT
fsr-3374	2261	6	some	some	DET
fsr-3374	2261	7	directions	direction	NOUN
fsr-3374	2261	8	for	for	ADP
fsr-3374	2261	9	future	future	ADJ
fsr-3374	2261	10	research	research	NOUN
fsr-3374	2261	11	.	.	PUNCT
fsr-3374	2262	1	international	international	ADJ
fsr-3374	2262	2	journal	journal	PROPN
fsr-3374	2262	3	of	of	ADP
fsr-3374	2262	4	bank	bank	PROPN
fsr-3374	2262	5	marketing	marketing	NOUN
fsr-3374	2262	6	,	,	PUNCT
fsr-3374	2262	7	13	13	NUM
fsr-3374	2262	8	,	,	PUNCT
fsr-3374	2262	9	21–28	21–28	NUM
fsr-3374	2262	10	.	.	PUNCT
fsr-3374	2263	1	calcagno	calcagno	PROPN
fsr-3374	2263	2	,	,	PUNCT
fsr-3374	2263	3	r.	r.	PROPN
fsr-3374	2263	4	,	,	PUNCT
fsr-3374	2263	5	&	&	CCONJ
fsr-3374	2263	6	monticone	monticone	PROPN
fsr-3374	2263	7	,	,	PUNCT
fsr-3374	2263	8	c.	c.	PROPN
fsr-3374	2263	9	(	(	PUNCT
fsr-3374	2263	10	2014	2014	NUM
fsr-3374	2263	11	)	)	PUNCT
fsr-3374	2263	12	.	.	PUNCT
fsr-3374	2264	1	financial	financial	ADJ
fsr-3374	2264	2	literacy	literacy	NOUN
fsr-3374	2264	3	and	and	CCONJ
fsr-3374	2264	4	the	the	DET
fsr-3374	2264	5	demand	demand	NOUN
fsr-3374	2264	6	for	for	ADP
fsr-3374	2264	7	financial	financial	ADJ
fsr-3374	2264	8	advice	advice	NOUN
fsr-3374	2264	9	.	.	PUNCT
fsr-3374	2265	1	journal	journal	NOUN
fsr-3374	2265	2	of	of	ADP
fsr-3374	2265	3	banking	banking	NOUN
fsr-3374	2265	4	and	and	CCONJ
fsr-3374	2265	5	finance	finance	NOUN
fsr-3374	2265	6	,	,	PUNCT
fsr-3374	2265	7	50	50	NUM
fsr-3374	2265	8	,	,	PUNCT
fsr-3374	2265	9	363–380	363–380	NUM
fsr-3374	2265	10	.	.	PUNCT
fsr-3374	2265	11	430	430	NUM
fsr-3374	2265	12	m.h	m.h	PROPN
fsr-3374	2265	13	.	.	PROPN
fsr-3374	2265	14	alyousif	alyousif	PROPN
fsr-3374	2265	15	,	,	PUNCT
fsr-3374	2265	16	c.m	c.m	PROPN
fsr-3374	2265	17	.	.	PROPN
fsr-3374	2265	18	kalenkoski	kalenkoski	PROPN
fsr-3374	2265	19	/	/	SYM
fsr-3374	2265	20	financial	financial	ADJ
fsr-3374	2265	21	services	service	NOUN
fsr-3374	2265	22	review	review	VERB
fsr-3374	2265	23	26	26	NUM
fsr-3374	2265	24	(	(	PUNCT
fsr-3374	2265	25	2017	2017	NUM
fsr-3374	2265	26	)	)	PUNCT
fsr-3374	2266	1	405–432	405–432	NUM
fsr-3374	2266	2	chang	chang	PROPN
fsr-3374	2266	3	,	,	PUNCT
fsr-3374	2266	4	m.	m.	NOUN
fsr-3374	2266	5	(	(	PUNCT
fsr-3374	2266	6	2005	2005	NUM
fsr-3374	2266	7	)	)	PUNCT
fsr-3374	2266	8	.	.	PUNCT
fsr-3374	2267	1	with	with	ADP
fsr-3374	2267	2	a	a	DET
fsr-3374	2267	3	little	little	ADJ
fsr-3374	2267	4	help	help	NOUN
fsr-3374	2267	5	from	from	ADP
fsr-3374	2267	6	my	my	PRON
fsr-3374	2267	7	friends	friend	NOUN
fsr-3374	2267	8	(	(	PUNCT
fsr-3374	2267	9	and	and	CCONJ
fsr-3374	2267	10	my	my	PRON
fsr-3374	2267	11	financial	financial	ADJ
fsr-3374	2267	12	planner	planner	NOUN
fsr-3374	2267	13	)	)	PUNCT
fsr-3374	2267	14	.	.	PUNCT
fsr-3374	2268	1	social	social	ADJ
fsr-3374	2268	2	froces	froce	NOUN
fsr-3374	2268	3	,	,	PUNCT
fsr-3374	2268	4	83	83	NUM
fsr-3374	2268	5	,	,	PUNCT
fsr-3374	2268	6	1469–1497	1469–1497	NUM
fsr-3374	2268	7	.	.	PUNCT
fsr-3374	2269	1	collins	collins	PROPN
fsr-3374	2269	2	,	,	PUNCT
fsr-3374	2269	3	j.	j.	PROPN
fsr-3374	2269	4	m.	m.	PROPN
fsr-3374	2269	5	(	(	PUNCT
fsr-3374	2269	6	2012	2012	NUM
fsr-3374	2269	7	)	)	PUNCT
fsr-3374	2269	8	.	.	PUNCT
fsr-3374	2270	1	financial	financial	ADJ
fsr-3374	2270	2	advice	advice	NOUN
fsr-3374	2270	3	:	:	PUNCT
fsr-3374	2270	4	a	a	DET
fsr-3374	2270	5	substitute	substitute	NOUN
fsr-3374	2270	6	for	for	ADP
fsr-3374	2270	7	financial	financial	ADJ
fsr-3374	2270	8	literacy	literacy	NOUN
fsr-3374	2270	9	?	?	PUNCT
fsr-3374	2271	1	financial	financial	ADJ
fsr-3374	2271	2	services	service	NOUN
fsr-3374	2271	3	review	review	PROPN
fsr-3374	2271	4	,	,	PUNCT
fsr-3374	2271	5	21	21	NUM
fsr-3374	2271	6	,	,	PUNCT
fsr-3374	2271	7	307–322	307–322	NUM
fsr-3374	2271	8	.	.	PUNCT
fsr-3374	2271	9	cummings	cummings	PROPN
fsr-3374	2271	10	,	,	PUNCT
fsr-3374	2271	11	b.	b.	PROPN
fsr-3374	2271	12	f.	f.	PROPN
fsr-3374	2271	13	,	,	PUNCT
fsr-3374	2271	14	&	&	CCONJ
fsr-3374	2271	15	james	james	PROPN
fsr-3374	2271	16	,	,	PUNCT
fsr-3374	2271	17	r.	r.	PROPN
fsr-3374	2271	18	n.	n.	PROPN
fsr-3374	2271	19	(	(	PUNCT
fsr-3374	2271	20	2014	2014	NUM
fsr-3374	2271	21	)	)	PUNCT
fsr-3374	2271	22	.	.	PUNCT
fsr-3374	2272	1	determinants	determinant	NOUN
fsr-3374	2272	2	of	of	ADP
fsr-3374	2272	3	seeking	seek	VERB
fsr-3374	2272	4	financial	financial	ADJ
fsr-3374	2272	5	advice	advice	NOUN
fsr-3374	2272	6	among	among	ADP
fsr-3374	2272	7	older	old	ADJ
fsr-3374	2272	8	adults	adult	NOUN
fsr-3374	2272	9	.	.	PUNCT
fsr-3374	2273	1	(	(	PUNCT
fsr-3374	2273	2	available	available	ADJ
fsr-3374	2273	3	at	at	ADP
fsr-3374	2273	4	ssrn	ssrn	NOUN
fsr-3374	2273	5	243468	243468	NUM
fsr-3374	2273	6	)	)	PUNCT
fsr-3374	2273	7	donkers	donker	NOUN
fsr-3374	2273	8	,	,	PUNCT
fsr-3374	2273	9	b.	b.	PROPN
fsr-3374	2273	10	,	,	PUNCT
fsr-3374	2273	11	&	&	CCONJ
fsr-3374	2273	12	van	van	PROPN
fsr-3374	2273	13	soest	soest	PROPN
fsr-3374	2273	14	,	,	PUNCT
fsr-3374	2273	15	a.	a.	NOUN
fsr-3374	2273	16	(	(	PUNCT
fsr-3374	2273	17	1999	1999	NUM
fsr-3374	2273	18	)	)	PUNCT
fsr-3374	2273	19	.	.	PUNCT
fsr-3374	2274	1	subjective	subjective	ADJ
fsr-3374	2274	2	measures	measure	NOUN
fsr-3374	2274	3	of	of	ADP
fsr-3374	2274	4	household	household	NOUN
fsr-3374	2274	5	preferences	preference	NOUN
fsr-3374	2274	6	and	and	CCONJ
fsr-3374	2274	7	financial	financial	ADJ
fsr-3374	2274	8	decisions	decision	NOUN
fsr-3374	2274	9	.	.	PUNCT
fsr-3374	2275	1	journal	journal	NOUN
fsr-3374	2275	2	of	of	ADP
fsr-3374	2275	3	economic	economic	ADJ
fsr-3374	2275	4	psychology	psychology	NOUN
fsr-3374	2275	5	,	,	PUNCT
fsr-3374	2275	6	20	20	NUM
fsr-3374	2275	7	,	,	PUNCT
fsr-3374	2275	8	613–642	613–642	NUM
fsr-3374	2275	9	.	.	PUNCT
fsr-3374	2276	1	elmerick	elmerick	PROPN
fsr-3374	2276	2	,	,	PUNCT
fsr-3374	2276	3	s.	s.	PROPN
fsr-3374	2276	4	a.	a.	PROPN
fsr-3374	2276	5	,	,	PUNCT
fsr-3374	2276	6	montalto	montalto	PROPN
fsr-3374	2276	7	,	,	PUNCT
fsr-3374	2276	8	c.	c.	PROPN
fsr-3374	2276	9	p.	p.	PROPN
fsr-3374	2276	10	,	,	PUNCT
fsr-3374	2276	11	&	&	CCONJ
fsr-3374	2276	12	fox	fox	PROPN
fsr-3374	2276	13	,	,	PUNCT
fsr-3374	2276	14	j.	j.	PROPN
fsr-3374	2276	15	j.	j.	PROPN
fsr-3374	2276	16	(	(	PUNCT
fsr-3374	2276	17	2002	2002	NUM
fsr-3374	2276	18	)	)	PUNCT
fsr-3374	2276	19	.	.	PUNCT
fsr-3374	2277	1	use	use	NOUN
fsr-3374	2277	2	of	of	ADP
fsr-3374	2277	3	financial	financial	ADJ
fsr-3374	2277	4	planners	planner	NOUN
fsr-3374	2277	5	by	by	ADP
fsr-3374	2277	6	u.s	u.s	PROPN
fsr-3374	2277	7	.	.	PROPN
fsr-3374	2277	8	households	household	NOUN
fsr-3374	2277	9	.	.	PUNCT
fsr-3374	2278	1	financial	financial	ADJ
fsr-3374	2278	2	services	service	NOUN
fsr-3374	2278	3	review	review	PROPN
fsr-3374	2278	4	,	,	PUNCT
fsr-3374	2278	5	11	11	NUM
fsr-3374	2278	6	,	,	PUNCT
fsr-3374	2278	7	217	217	NUM
fsr-3374	2278	8	.	.	PUNCT
fsr-3374	2279	1	finke	finke	PROPN
fsr-3374	2279	2	,	,	PUNCT
fsr-3374	2279	3	m.	m.	NOUN
fsr-3374	2279	4	,	,	PUNCT
fsr-3374	2279	5	huston	huston	PROPN
fsr-3374	2279	6	,	,	PUNCT
fsr-3374	2279	7	s.	s.	PROPN
fsr-3374	2279	8	,	,	PUNCT
fsr-3374	2279	9	&	&	CCONJ
fsr-3374	2279	10	winchester	winchester	PROPN
fsr-3374	2279	11	,	,	PUNCT
fsr-3374	2279	12	d.	d.	PROPN
fsr-3374	2279	13	(	(	PUNCT
fsr-3374	2279	14	2011	2011	NUM
fsr-3374	2279	15	)	)	PUNCT
fsr-3374	2279	16	.	.	PUNCT
fsr-3374	2280	1	financial	financial	ADJ
fsr-3374	2280	2	advice	advice	NOUN
fsr-3374	2280	3	:	:	PUNCT
fsr-3374	2280	4	who	who	PRON
fsr-3374	2280	5	pays	pay	VERB
fsr-3374	2280	6	.	.	PUNCT
fsr-3374	2281	1	journal	journal	PROPN
fsr-3374	2281	2	of	of	ADP
fsr-3374	2281	3	financial	financial	ADJ
fsr-3374	2281	4	counseling	counseling	NOUN
fsr-3374	2281	5	and	and	CCONJ
fsr-3374	2281	6	planning	planning	NOUN
fsr-3374	2281	7	,	,	PUNCT
fsr-3374	2281	8	22	22	NUM
fsr-3374	2281	9	,	,	PUNCT
fsr-3374	2281	10	18–26	18–26	NUM
fsr-3374	2281	11	.	.	PUNCT
fsr-3374	2282	1	fischer	fischer	PROPN
fsr-3374	2282	2	,	,	PUNCT
fsr-3374	2282	3	r.	r.	PROPN
fsr-3374	2282	4	,	,	PUNCT
fsr-3374	2282	5	&	&	CCONJ
fsr-3374	2282	6	gerhardt	gerhardt	PROPN
fsr-3374	2282	7	,	,	PUNCT
fsr-3374	2282	8	r.	r.	PROPN
fsr-3374	2282	9	(	(	PUNCT
fsr-3374	2282	10	2007	2007	NUM
fsr-3374	2282	11	)	)	PUNCT
fsr-3374	2282	12	.	.	PUNCT
fsr-3374	2283	1	investment	investment	NOUN
fsr-3374	2283	2	mistakes	mistake	NOUN
fsr-3374	2283	3	of	of	ADP
fsr-3374	2283	4	individual	individual	ADJ
fsr-3374	2283	5	investors	investor	NOUN
fsr-3374	2283	6	and	and	CCONJ
fsr-3374	2283	7	the	the	DET
fsr-3374	2283	8	impact	impact	NOUN
fsr-3374	2283	9	of	of	ADP
fsr-3374	2283	10	financial	financial	ADJ
fsr-3374	2283	11	advice	advice	NOUN
fsr-3374	2283	12	.	.	PUNCT
fsr-3374	2284	1	in	in	ADP
fsr-3374	2284	2	20th	20th	ADJ
fsr-3374	2284	3	australasian	australasian	ADJ
fsr-3374	2284	4	finance	finance	NOUN
fsr-3374	2284	5	&	&	CCONJ
fsr-3374	2284	6	banking	banking	PROPN
fsr-3374	2284	7	conference	conference	PROPN
fsr-3374	2284	8	,	,	PUNCT
fsr-3374	2284	9	sydney	sydney	PROPN
fsr-3374	2284	10	,	,	PUNCT
fsr-3374	2284	11	australia	australia	PROPN
fsr-3374	2284	12	.	.	PUNCT
fsr-3374	2284	13	goldsmith	goldsmith	PROPN
fsr-3374	2284	14	,	,	PUNCT
fsr-3374	2284	15	r.	r.	PROPN
fsr-3374	2284	16	e.	e.	PROPN
fsr-3374	2284	17	,	,	PUNCT
fsr-3374	2284	18	&	&	CCONJ
fsr-3374	2284	19	goldsmith	goldsmith	PROPN
fsr-3374	2284	20	,	,	PUNCT
fsr-3374	2284	21	e.	e.	PROPN
fsr-3374	2284	22	b.	b.	PROPN
fsr-3374	2284	23	(	(	PUNCT
fsr-3374	2284	24	2006	2006	NUM
fsr-3374	2284	25	)	)	PUNCT
fsr-3374	2284	26	.	.	PUNCT
fsr-3374	2285	1	the	the	DET
fsr-3374	2285	2	effects	effect	NOUN
fsr-3374	2285	3	of	of	ADP
fsr-3374	2285	4	investment	investment	NOUN
fsr-3374	2285	5	education	education	NOUN
fsr-3374	2285	6	on	on	ADP
fsr-3374	2285	7	gender	gender	NOUN
fsr-3374	2285	8	differences	difference	NOUN
fsr-3374	2285	9	in	in	ADP
fsr-3374	2285	10	financial	financial	ADJ
fsr-3374	2285	11	knowledge	knowledge	NOUN
fsr-3374	2285	12	.	.	PUNCT
fsr-3374	2286	1	journal	journal	NOUN
fsr-3374	2286	2	of	of	ADP
fsr-3374	2286	3	personal	personal	ADJ
fsr-3374	2286	4	finance	finance	NOUN
fsr-3374	2286	5	,	,	PUNCT
fsr-3374	2286	6	5	5	NUM
fsr-3374	2286	7	,	,	PUNCT
fsr-3374	2286	8	55–69	55–69	NUM
fsr-3374	2286	9	.	.	PUNCT
fsr-3374	2287	1	grable	grable	PROPN
fsr-3374	2287	2	,	,	PUNCT
fsr-3374	2287	3	j.	j.	PROPN
fsr-3374	2287	4	e.	e.	PROPN
fsr-3374	2287	5	,	,	PUNCT
fsr-3374	2287	6	&	&	CCONJ
fsr-3374	2287	7	joo	joo	PROPN
fsr-3374	2287	8	,	,	PUNCT
fsr-3374	2287	9	s.	s.	PROPN
fsr-3374	2287	10	(	(	PUNCT
fsr-3374	2287	11	1999	1999	NUM
fsr-3374	2287	12	)	)	PUNCT
fsr-3374	2287	13	.	.	PUNCT
fsr-3374	2288	1	financial	financial	ADJ
fsr-3374	2288	2	help	help	NOUN
fsr-3374	2288	3	-	-	PUNCT
fsr-3374	2288	4	seeking	seek	VERB
fsr-3374	2288	5	behavior	behavior	NOUN
fsr-3374	2288	6	:	:	PUNCT
fsr-3374	2288	7	theory	theory	NOUN
fsr-3374	2288	8	and	and	CCONJ
fsr-3374	2288	9	implications	implication	NOUN
fsr-3374	2288	10	.	.	PUNCT
fsr-3374	2289	1	financial	financial	ADJ
fsr-3374	2289	2	counseling	counseling	NOUN
fsr-3374	2289	3	and	and	CCONJ
fsr-3374	2289	4	planning	planning	NOUN
fsr-3374	2289	5	,	,	PUNCT
fsr-3374	2289	6	10	10	NUM
fsr-3374	2289	7	,	,	PUNCT
fsr-3374	2289	8	13–24	13–24	NUM
fsr-3374	2289	9	.	.	PUNCT
fsr-3374	2289	10	grable	grable	PROPN
fsr-3374	2289	11	,	,	PUNCT
fsr-3374	2289	12	j.	j.	PROPN
fsr-3374	2289	13	e.	e.	PROPN
fsr-3374	2289	14	,	,	PUNCT
fsr-3374	2289	15	&	&	CCONJ
fsr-3374	2289	16	joo	joo	PROPN
fsr-3374	2289	17	,	,	PUNCT
fsr-3374	2289	18	s.	s.	PROPN
fsr-3374	2289	19	(	(	PUNCT
fsr-3374	2289	20	2001	2001	NUM
fsr-3374	2289	21	)	)	PUNCT
fsr-3374	2289	22	.	.	PUNCT
fsr-3374	2290	1	a	a	DET
fsr-3374	2290	2	further	further	ADJ
fsr-3374	2290	3	examination	examination	NOUN
fsr-3374	2290	4	of	of	ADP
fsr-3374	2290	5	financial	financial	ADJ
fsr-3374	2290	6	help	help	NOUN
fsr-3374	2290	7	-	-	PUNCT
fsr-3374	2290	8	seeking	seek	VERB
fsr-3374	2290	9	behavior	behavior	NOUN
fsr-3374	2290	10	.	.	PUNCT
fsr-3374	2291	1	financial	financial	ADJ
fsr-3374	2291	2	counseling	counseling	NOUN
fsr-3374	2291	3	and	and	CCONJ
fsr-3374	2291	4	planning	planning	NOUN
fsr-3374	2291	5	,	,	PUNCT
fsr-3374	2291	6	12	12	NUM
fsr-3374	2291	7	,	,	PUNCT
fsr-3374	2291	8	55–74	55–74	NUM
fsr-3374	2291	9	.	.	PUNCT
fsr-3374	2292	1	hackethal	hackethal	PROPN
fsr-3374	2292	2	,	,	PUNCT
fsr-3374	2292	3	a.	a.	NOUN
fsr-3374	2292	4	,	,	PUNCT
fsr-3374	2292	5	haliassos	haliassos	NOUN
fsr-3374	2292	6	,	,	PUNCT
fsr-3374	2292	7	m.	m.	NOUN
fsr-3374	2292	8	,	,	PUNCT
fsr-3374	2292	9	&	&	CCONJ
fsr-3374	2292	10	jappelli	jappelli	PROPN
fsr-3374	2292	11	,	,	PUNCT
fsr-3374	2292	12	t.	t.	PROPN
fsr-3374	2292	13	(	(	PUNCT
fsr-3374	2292	14	2012	2012	NUM
fsr-3374	2292	15	)	)	PUNCT
fsr-3374	2292	16	.	.	PUNCT
fsr-3374	2293	1	financial	financial	ADJ
fsr-3374	2293	2	advisors	advisor	NOUN
fsr-3374	2293	3	:	:	PUNCT
fsr-3374	2293	4	a	a	DET
fsr-3374	2293	5	case	case	NOUN
fsr-3374	2293	6	of	of	ADP
fsr-3374	2293	7	babysitters	babysitter	NOUN
fsr-3374	2293	8	?	?	PUNCT
fsr-3374	2294	1	journal	journal	NOUN
fsr-3374	2294	2	of	of	ADP
fsr-3374	2294	3	banking	banking	NOUN
fsr-3374	2294	4	and	and	CCONJ
fsr-3374	2294	5	finance	finance	NOUN
fsr-3374	2294	6	,	,	PUNCT
fsr-3374	2294	7	36	36	NUM
fsr-3374	2294	8	,	,	PUNCT
fsr-3374	2294	9	509–524	509–524	NUM
fsr-3374	2294	10	.	.	PUNCT
fsr-3374	2295	1	hanna	hanna	PROPN
fsr-3374	2295	2	,	,	PUNCT
fsr-3374	2295	3	s.	s.	PROPN
fsr-3374	2295	4	(	(	PUNCT
fsr-3374	2295	5	2011	2011	NUM
fsr-3374	2295	6	)	)	PUNCT
fsr-3374	2295	7	.	.	PUNCT
fsr-3374	2296	1	the	the	DET
fsr-3374	2296	2	demand	demand	NOUN
fsr-3374	2296	3	for	for	ADP
fsr-3374	2296	4	financial	financial	ADJ
fsr-3374	2296	5	planning	planning	NOUN
fsr-3374	2296	6	services	service	NOUN
fsr-3374	2296	7	.	.	PUNCT
fsr-3374	2297	1	journal	journal	NOUN
fsr-3374	2297	2	of	of	ADP
fsr-3374	2297	3	personal	personal	ADJ
fsr-3374	2297	4	finance	finance	NOUN
fsr-3374	2297	5	,	,	PUNCT
fsr-3374	2297	6	10	10	NUM
fsr-3374	2297	7	,	,	PUNCT
fsr-3374	2297	8	36–62	36–62	NUM
fsr-3374	2297	9	.	.	PUNCT
fsr-3374	2298	1	hanna	hanna	PROPN
fsr-3374	2298	2	,	,	PUNCT
fsr-3374	2298	3	s.	s.	PROPN
fsr-3374	2298	4	,	,	PUNCT
fsr-3374	2298	5	&	&	CCONJ
fsr-3374	2298	6	lindamood	lindamood	PROPN
fsr-3374	2298	7	,	,	PUNCT
fsr-3374	2298	8	s.	s.	PROPN
fsr-3374	2298	9	(	(	PUNCT
fsr-3374	2298	10	2010	2010	NUM
fsr-3374	2298	11	)	)	PUNCT
fsr-3374	2298	12	.	.	PUNCT
fsr-3374	2299	1	quantifying	quantify	VERB
fsr-3374	2299	2	the	the	DET
fsr-3374	2299	3	economic	economic	ADJ
fsr-3374	2299	4	benefits	benefit	NOUN
fsr-3374	2299	5	of	of	ADP
fsr-3374	2299	6	personal	personal	ADJ
fsr-3374	2299	7	financial	financial	ADJ
fsr-3374	2299	8	planning	planning	NOUN
fsr-3374	2299	9	.	.	PUNCT
fsr-3374	2300	1	financial	financial	ADJ
fsr-3374	2300	2	services	service	NOUN
fsr-3374	2300	3	review	review	PROPN
fsr-3374	2300	4	,	,	PUNCT
fsr-3374	2300	5	19	19	NUM
fsr-3374	2300	6	,	,	PUNCT
fsr-3374	2300	7	111–127	111–127	NUM
fsr-3374	2300	8	.	.	PUNCT
fsr-3374	2301	1	hastings	hastings	PROPN
fsr-3374	2301	2	,	,	PUNCT
fsr-3374	2301	3	j.	j.	PROPN
fsr-3374	2301	4	s.	s.	PROPN
fsr-3374	2301	5	,	,	PUNCT
fsr-3374	2301	6	&	&	CCONJ
fsr-3374	2301	7	mitchell	mitchell	PROPN
fsr-3374	2301	8	,	,	PUNCT
fsr-3374	2301	9	o.	o.	PROPN
fsr-3374	2301	10	s.	s.	PROPN
fsr-3374	2301	11	(	(	PUNCT
fsr-3374	2301	12	2011	2011	NUM
fsr-3374	2301	13	)	)	PUNCT
fsr-3374	2301	14	.	.	PUNCT
fsr-3374	2302	1	how	how	SCONJ
fsr-3374	2302	2	financial	financial	ADJ
fsr-3374	2302	3	literacy	literacy	NOUN
fsr-3374	2302	4	and	and	CCONJ
fsr-3374	2302	5	impatience	impatience	NOUN
fsr-3374	2302	6	shape	shape	NOUN
fsr-3374	2302	7	retirement	retirement	NOUN
fsr-3374	2302	8	wealth	wealth	NOUN
fsr-3374	2302	9	and	and	CCONJ
fsr-3374	2302	10	investment	investment	NOUN
fsr-3374	2302	11	behaviors	behavior	NOUN
fsr-3374	2302	12	(	(	PUNCT
fsr-3374	2302	13	no	no	INTJ
fsr-3374	2302	14	.	.	PUNCT
fsr-3374	2303	1	w16740	w16740	NOUN
fsr-3374	2303	2	)	)	PUNCT
fsr-3374	2303	3	.	.	PUNCT
fsr-3374	2304	1	national	national	PROPN
fsr-3374	2304	2	bureau	bureau	PROPN
fsr-3374	2304	3	of	of	ADP
fsr-3374	2304	4	economic	economic	ADJ
fsr-3374	2304	5	research	research	NOUN
fsr-3374	2304	6	.	.	PUNCT
fsr-3374	2305	1	heo	heo	PROPN
fsr-3374	2305	2	,	,	PUNCT
fsr-3374	2305	3	w.	w.	PROPN
fsr-3374	2305	4	,	,	PUNCT
fsr-3374	2305	5	grable	grable	PROPN
fsr-3374	2305	6	,	,	PUNCT
fsr-3374	2305	7	j.	j.	PROPN
fsr-3374	2305	8	e.	e.	PROPN
fsr-3374	2305	9	,	,	PUNCT
fsr-3374	2305	10	&	&	CCONJ
fsr-3374	2305	11	chatterjee	chatterjee	PROPN
fsr-3374	2305	12	,	,	PUNCT
fsr-3374	2305	13	s.	s.	PROPN
fsr-3374	2305	14	(	(	PUNCT
fsr-3374	2305	15	2013	2013	NUM
fsr-3374	2305	16	)	)	PUNCT
fsr-3374	2305	17	.	.	PUNCT
fsr-3374	2306	1	life	life	NOUN
fsr-3374	2306	2	insurance	insurance	NOUN
fsr-3374	2306	3	consumption	consumption	NOUN
fsr-3374	2306	4	as	as	ADP
fsr-3374	2306	5	a	a	DET
fsr-3374	2306	6	function	function	NOUN
fsr-3374	2306	7	of	of	ADP
fsr-3374	2306	8	wealth	wealth	NOUN
fsr-3374	2306	9	change	change	NOUN
fsr-3374	2306	10	.	.	PUNCT
fsr-3374	2307	1	financial	financial	ADJ
fsr-3374	2307	2	service	service	PROPN
fsr-3374	2307	3	review	review	NOUN
fsr-3374	2307	4	,	,	PUNCT
fsr-3374	2307	5	22	22	NUM
fsr-3374	2307	6	,	,	PUNCT
fsr-3374	2307	7	389–404	389–404	NUM
fsr-3374	2307	8	.	.	PUNCT
fsr-3374	2308	1	hira	hira	PROPN
fsr-3374	2308	2	,	,	PUNCT
fsr-3374	2308	3	t.	t.	PROPN
fsr-3374	2308	4	k.	k.	PROPN
fsr-3374	2308	5	,	,	PUNCT
fsr-3374	2308	6	&	&	CCONJ
fsr-3374	2308	7	mugenda	mugenda	ADJ
fsr-3374	2308	8	,	,	PUNCT
fsr-3374	2308	9	o.	o.	NOUN
fsr-3374	2308	10	(	(	PUNCT
fsr-3374	2308	11	2000	2000	NUM
fsr-3374	2308	12	)	)	PUNCT
fsr-3374	2308	13	.	.	PUNCT
fsr-3374	2309	1	gender	gender	NOUN
fsr-3374	2309	2	differences	difference	NOUN
fsr-3374	2309	3	in	in	ADP
fsr-3374	2309	4	financial	financial	ADJ
fsr-3374	2309	5	perceptions	perception	NOUN
fsr-3374	2309	6	,	,	PUNCT
fsr-3374	2309	7	behaviors	behavior	NOUN
fsr-3374	2309	8	and	and	CCONJ
fsr-3374	2309	9	satisfaction	satisfaction	NOUN
fsr-3374	2309	10	.	.	PUNCT
fsr-3374	2310	1	fpa	fpa	PROPN
fsr-3374	2310	2	journal	journal	PROPN
fsr-3374	2310	3	,	,	PUNCT
fsr-3374	2310	4	200	200	NUM
fsr-3374	2310	5	,	,	PUNCT
fsr-3374	2310	6	1–7	1–7	NUM
fsr-3374	2310	7	.	.	PUNCT
fsr-3374	2310	8	hung	hung	PROPN
fsr-3374	2310	9	,	,	PUNCT
fsr-3374	2310	10	a.	a.	PROPN
fsr-3374	2310	11	,	,	PUNCT
fsr-3374	2310	12	yoong	yoong	PROPN
fsr-3374	2310	13	,	,	PUNCT
fsr-3374	2310	14	j.	j.	PROPN
fsr-3374	2310	15	,	,	PUNCT
fsr-3374	2310	16	&	&	CCONJ
fsr-3374	2310	17	brown	brown	PROPN
fsr-3374	2310	18	,	,	PUNCT
fsr-3374	2310	19	e.	e.	PROPN
fsr-3374	2310	20	(	(	PUNCT
fsr-3374	2310	21	2012	2012	NUM
fsr-3374	2310	22	)	)	PUNCT
fsr-3374	2310	23	.	.	PUNCT
fsr-3374	2311	1	empowering	empower	VERB
fsr-3374	2311	2	women	woman	NOUN
fsr-3374	2311	3	through	through	ADP
fsr-3374	2311	4	financial	financial	ADJ
fsr-3374	2311	5	awareness	awareness	NOUN
fsr-3374	2311	6	and	and	CCONJ
fsr-3374	2311	7	education	education	NOUN
fsr-3374	2311	8	.	.	PUNCT
fsr-3374	2312	1	oecd	oecd	PROPN
fsr-3374	2312	2	working	work	VERB
fsr-3374	2312	3	papers	paper	NOUN
fsr-3374	2312	4	on	on	ADP
fsr-3374	2312	5	finance	finance	NOUN
fsr-3374	2312	6	,	,	PUNCT
fsr-3374	2312	7	insurance	insurance	NOUN
fsr-3374	2312	8	and	and	CCONJ
fsr-3374	2312	9	private	private	ADJ
fsr-3374	2312	10	pensions	pension	NOUN
fsr-3374	2312	11	,	,	PUNCT
fsr-3374	2312	12	(	(	PUNCT
fsr-3374	2312	13	14	14	NUM
fsr-3374	2312	14	)	)	PUNCT
fsr-3374	2312	15	,	,	PUNCT
fsr-3374	2312	16	1	1	X
fsr-3374	2312	17	.	.	X
fsr-3374	2312	18	inderst	inderst	PROPN
fsr-3374	2312	19	,	,	PUNCT
fsr-3374	2312	20	r.	r.	PROPN
fsr-3374	2312	21	,	,	PUNCT
fsr-3374	2312	22	&	&	CCONJ
fsr-3374	2312	23	ottaviani	ottaviani	PROPN
fsr-3374	2312	24	,	,	PUNCT
fsr-3374	2312	25	m.	m.	NOUN
fsr-3374	2312	26	(	(	PUNCT
fsr-3374	2312	27	2000	2000	NUM
fsr-3374	2312	28	)	)	PUNCT
fsr-3374	2312	29	.	.	PUNCT
fsr-3374	2313	1	misselling	misselle	VERB
fsr-3374	2313	2	through	through	ADP
fsr-3374	2313	3	agents	agent	NOUN
fsr-3374	2313	4	.	.	PUNCT
fsr-3374	2314	1	the	the	DET
fsr-3374	2314	2	american	american	PROPN
fsr-3374	2314	3	economic	economic	PROPN
fsr-3374	2314	4	review	review	PROPN
fsr-3374	2314	5	,	,	PUNCT
fsr-3374	2314	6	99	99	NUM
fsr-3374	2314	7	,	,	PUNCT
fsr-3374	2314	8	883–908	883–908	NUM
fsr-3374	2314	9	.	.	PUNCT
fsr-3374	2315	1	inderst	inderst	PROPN
fsr-3374	2315	2	,	,	PUNCT
fsr-3374	2315	3	r.	r.	PROPN
fsr-3374	2315	4	,	,	PUNCT
fsr-3374	2315	5	&	&	CCONJ
fsr-3374	2315	6	ottaviani	ottaviani	PROPN
fsr-3374	2315	7	,	,	PUNCT
fsr-3374	2315	8	m.	m.	NOUN
fsr-3374	2315	9	(	(	PUNCT
fsr-3374	2315	10	2012	2012	NUM
fsr-3374	2315	11	)	)	PUNCT
fsr-3374	2315	12	.	.	PUNCT
fsr-3374	2316	1	financial	financial	ADJ
fsr-3374	2316	2	advice	advice	NOUN
fsr-3374	2316	3	.	.	PUNCT
fsr-3374	2317	1	journal	journal	NOUN
fsr-3374	2317	2	of	of	ADP
fsr-3374	2317	3	economic	economic	ADJ
fsr-3374	2317	4	literature	literature	NOUN
fsr-3374	2317	5	,	,	PUNCT
fsr-3374	2317	6	50	50	NUM
fsr-3374	2317	7	,	,	PUNCT
fsr-3374	2317	8	494–512	494–512	NUM
fsr-3374	2317	9	.	.	PUNCT
fsr-3374	2318	1	kramer	kramer	PROPN
fsr-3374	2318	2	,	,	PUNCT
fsr-3374	2318	3	m.	m.	NOUN
fsr-3374	2318	4	m.	m.	NOUN
fsr-3374	2318	5	(	(	PUNCT
fsr-3374	2318	6	2012	2012	NUM
fsr-3374	2318	7	)	)	PUNCT
fsr-3374	2318	8	.	.	PUNCT
fsr-3374	2319	1	financial	financial	ADJ
fsr-3374	2319	2	advice	advice	NOUN
fsr-3374	2319	3	and	and	CCONJ
fsr-3374	2319	4	individual	individual	ADJ
fsr-3374	2319	5	investor	investor	NOUN
fsr-3374	2319	6	portfolio	portfolio	NOUN
fsr-3374	2319	7	performance	performance	NOUN
fsr-3374	2319	8	.	.	PUNCT
fsr-3374	2320	1	financial	financial	ADJ
fsr-3374	2320	2	management	management	NOUN
fsr-3374	2320	3	,	,	PUNCT
fsr-3374	2320	4	41	41	NUM
fsr-3374	2320	5	,	,	PUNCT
fsr-3374	2320	6	395–428	395–428	NUM
fsr-3374	2320	7	.	.	PUNCT
fsr-3374	2321	1	kramer	kramer	PROPN
fsr-3374	2321	2	,	,	PUNCT
fsr-3374	2321	3	m.	m.	NOUN
fsr-3374	2321	4	m.	m.	NOUN
fsr-3374	2321	5	(	(	PUNCT
fsr-3374	2321	6	2016	2016	NUM
fsr-3374	2321	7	)	)	PUNCT
fsr-3374	2321	8	.	.	PUNCT
fsr-3374	2322	1	financial	financial	ADJ
fsr-3374	2322	2	literacy	literacy	NOUN
fsr-3374	2322	3	,	,	PUNCT
fsr-3374	2322	4	confidence	confidence	NOUN
fsr-3374	2322	5	and	and	CCONJ
fsr-3374	2322	6	financial	financial	ADJ
fsr-3374	2322	7	advice	advice	NOUN
fsr-3374	2322	8	seeking	seeking	NOUN
fsr-3374	2322	9	.	.	PUNCT
fsr-3374	2323	1	journal	journal	PROPN
fsr-3374	2323	2	of	of	ADP
fsr-3374	2323	3	economic	economic	ADJ
fsr-3374	2323	4	behavior	behavior	NOUN
fsr-3374	2323	5	&	&	CCONJ
fsr-3374	2323	6	organization	organization	PROPN
fsr-3374	2323	7	,	,	PUNCT
fsr-3374	2323	8	131	131	NUM
fsr-3374	2323	9	,	,	PUNCT
fsr-3374	2323	10	198–217	198–217	NUM
fsr-3374	2323	11	.	.	PUNCT
fsr-3374	2324	1	laibson	laibson	PROPN
fsr-3374	2324	2	,	,	PUNCT
fsr-3374	2324	3	d.	d.	PROPN
fsr-3374	2324	4	,	,	PUNCT
fsr-3374	2324	5	gabaix	gabaix	NOUN
fsr-3374	2324	6	,	,	PUNCT
fsr-3374	2324	7	x.	x.	NOUN
fsr-3374	2324	8	,	,	PUNCT
fsr-3374	2324	9	driscoll	driscoll	PROPN
fsr-3374	2324	10	,	,	PUNCT
fsr-3374	2324	11	j.	j.	PROPN
fsr-3374	2324	12	,	,	PUNCT
fsr-3374	2324	13	&	&	CCONJ
fsr-3374	2324	14	agarwal	agarwal	PROPN
fsr-3374	2324	15	,	,	PUNCT
fsr-3374	2324	16	s.	s.	PROPN
fsr-3374	2324	17	(	(	PUNCT
fsr-3374	2324	18	2007	2007	NUM
fsr-3374	2324	19	)	)	PUNCT
fsr-3374	2324	20	.	.	PUNCT
fsr-3374	2325	1	the	the	DET
fsr-3374	2325	2	age	age	NOUN
fsr-3374	2325	3	of	of	ADP
fsr-3374	2325	4	reason	reason	NOUN
fsr-3374	2325	5	:	:	PUNCT
fsr-3374	2325	6	financial	financial	ADJ
fsr-3374	2325	7	decisions	decision	NOUN
fsr-3374	2325	8	over	over	ADP
fsr-3374	2325	9	the	the	DET
fsr-3374	2325	10	lifecycle	lifecycle	NOUN
fsr-3374	2325	11	.	.	PUNCT
fsr-3374	2326	1	national	national	ADJ
fsr-3374	2326	2	bureau	bureau	PROPN
fsr-3374	2326	3	of	of	ADP
fsr-3374	2326	4	economic	economic	ADJ
fsr-3374	2326	5	research	research	NOUN
fsr-3374	2326	6	working	working	NOUN
fsr-3374	2326	7	paper	paper	NOUN
fsr-3374	2326	8	13191	13191	NUM
fsr-3374	2326	9	.	.	PUNCT
fsr-3374	2327	1	letkiewicz	letkiewicz	PROPN
fsr-3374	2327	2	,	,	PUNCT
fsr-3374	2327	3	j.	j.	PROPN
fsr-3374	2327	4	,	,	PUNCT
fsr-3374	2327	5	robinson	robinson	PROPN
fsr-3374	2327	6	,	,	PUNCT
fsr-3374	2327	7	c.	c.	PROPN
fsr-3374	2327	8	,	,	PUNCT
fsr-3374	2327	9	&	&	CCONJ
fsr-3374	2327	10	domian	domian	PROPN
fsr-3374	2327	11	,	,	PUNCT
fsr-3374	2327	12	d.	d.	PROPN
fsr-3374	2327	13	(	(	PUNCT
fsr-3374	2327	14	2016	2016	NUM
fsr-3374	2327	15	)	)	PUNCT
fsr-3374	2327	16	.	.	PUNCT
fsr-3374	2328	1	behavioral	behavioral	ADJ
fsr-3374	2328	2	and	and	CCONJ
fsr-3374	2328	3	wealth	wealth	NOUN
fsr-3374	2328	4	considerations	consideration	NOUN
fsr-3374	2328	5	for	for	ADP
fsr-3374	2328	6	seeking	seek	VERB
fsr-3374	2328	7	professional	professional	ADJ
fsr-3374	2328	8	financial	financial	ADJ
fsr-3374	2328	9	planning	planning	NOUN
fsr-3374	2328	10	help	help	NOUN
fsr-3374	2328	11	.	.	PUNCT
fsr-3374	2329	1	financial	financial	ADJ
fsr-3374	2329	2	services	service	NOUN
fsr-3374	2329	3	review	review	PROPN
fsr-3374	2329	4	,	,	PUNCT
fsr-3374	2329	5	25	25	NUM
fsr-3374	2329	6	,	,	PUNCT
fsr-3374	2329	7	105–126	105–126	NUM
fsr-3374	2329	8	.	.	PUNCT
fsr-3374	2330	1	levin	levin	PROPN
fsr-3374	2330	2	,	,	PUNCT
fsr-3374	2330	3	j.	j.	PROPN
fsr-3374	2330	4	,	,	PUNCT
fsr-3374	2330	5	milgrom	milgrom	ADJ
fsr-3374	2330	6	,	,	PUNCT
fsr-3374	2330	7	p.	p.	NOUN
fsr-3374	2330	8	,	,	PUNCT
fsr-3374	2330	9	&	&	CCONJ
fsr-3374	2330	10	segal	segal	PROPN
fsr-3374	2330	11	,	,	PUNCT
fsr-3374	2330	12	i.	i.	PROPN
fsr-3374	2330	13	(	(	PUNCT
fsr-3374	2330	14	2004	2004	NUM
fsr-3374	2330	15	)	)	PUNCT
fsr-3374	2330	16	.	.	PUNCT
fsr-3374	2331	1	consumer	consumer	NOUN
fsr-3374	2331	2	theory	theory	NOUN
fsr-3374	2331	3	.	.	PUNCT
fsr-3374	2332	1	(	(	PUNCT
fsr-3374	2332	2	available	available	ADJ
fsr-3374	2332	3	at	at	ADP
fsr-3374	2332	4	http://web.stanford.edu	http://web.stanford.edu	NUM
fsr-3374	2332	5	)	)	PUNCT
fsr-3374	2332	6	loibl	loibl	PROPN
fsr-3374	2332	7	,	,	PUNCT
fsr-3374	2332	8	c.	c.	PROPN
fsr-3374	2332	9	,	,	PUNCT
fsr-3374	2332	10	&	&	CCONJ
fsr-3374	2332	11	hira	hira	PROPN
fsr-3374	2332	12	,	,	PUNCT
fsr-3374	2332	13	t.	t.	PROPN
fsr-3374	2332	14	k.	k.	PROPN
fsr-3374	2332	15	(	(	PUNCT
fsr-3374	2332	16	2006	2006	NUM
fsr-3374	2332	17	)	)	PUNCT
fsr-3374	2332	18	.	.	PUNCT
fsr-3374	2333	1	a	a	DET
fsr-3374	2333	2	workplace	workplace	NOUN
fsr-3374	2333	3	and	and	CCONJ
fsr-3374	2333	4	gender	gender	NOUN
fsr-3374	2333	5	-	-	PUNCT
fsr-3374	2333	6	related	relate	VERB
fsr-3374	2333	7	perspective	perspective	NOUN
fsr-3374	2333	8	on	on	ADP
fsr-3374	2333	9	financial	financial	ADJ
fsr-3374	2333	10	planning	planning	NOUN
fsr-3374	2333	11	information	information	NOUN
fsr-3374	2333	12	sources	source	NOUN
fsr-3374	2333	13	and	and	CCONJ
fsr-3374	2333	14	knowledge	knowledge	NOUN
fsr-3374	2333	15	outcomes	outcome	NOUN
fsr-3374	2333	16	.	.	PUNCT
fsr-3374	2334	1	financial	financial	ADJ
fsr-3374	2334	2	services	service	NOUN
fsr-3374	2334	3	review	review	PROPN
fsr-3374	2334	4	,	,	PUNCT
fsr-3374	2334	5	15	15	NUM
fsr-3374	2334	6	,	,	PUNCT
fsr-3374	2334	7	21	21	NUM
fsr-3374	2334	8	.	.	PUNCT
fsr-3374	2335	1	lin	lin	PROPN
fsr-3374	2335	2	,	,	PUNCT
fsr-3374	2335	3	q.	q.	PROPN
fsr-3374	2335	4	,	,	PUNCT
fsr-3374	2335	5	&	&	CCONJ
fsr-3374	2335	6	lee	lee	PROPN
fsr-3374	2335	7	,	,	PUNCT
fsr-3374	2335	8	j.	j.	PROPN
fsr-3374	2335	9	(	(	PUNCT
fsr-3374	2335	10	2004	2004	NUM
fsr-3374	2335	11	)	)	PUNCT
fsr-3374	2335	12	.	.	PUNCT
fsr-3374	2336	1	consumers	consumer	NOUN
fsr-3374	2336	2	’	’	PART
fsr-3374	2336	3	information	information	NOUN
fsr-3374	2336	4	search	search	NOUN
fsr-3374	2336	5	when	when	SCONJ
fsr-3374	2336	6	making	make	VERB
fsr-3374	2336	7	investment	investment	NOUN
fsr-3374	2336	8	decisions	decision	NOUN
fsr-3374	2336	9	.	.	PUNCT
fsr-3374	2337	1	financial	financial	ADJ
fsr-3374	2337	2	services	service	NOUN
fsr-3374	2337	3	review	review	PROPN
fsr-3374	2337	4	,	,	PUNCT
fsr-3374	2337	5	13	13	NUM
fsr-3374	2337	6	,	,	PUNCT
fsr-3374	2337	7	319–332	319–332	NUM
fsr-3374	2337	8	.	.	PUNCT
fsr-3374	2338	1	lusardi	lusardi	PROPN
fsr-3374	2338	2	,	,	PUNCT
fsr-3374	2338	3	a.	a.	NOUN
fsr-3374	2338	4	(	(	PUNCT
fsr-3374	2338	5	2008	2008	NUM
fsr-3374	2338	6	)	)	PUNCT
fsr-3374	2338	7	.	.	PUNCT
fsr-3374	2339	1	financial	financial	ADJ
fsr-3374	2339	2	literacy	literacy	NOUN
fsr-3374	2339	3	:	:	PUNCT
fsr-3374	2339	4	an	an	DET
fsr-3374	2339	5	essential	essential	ADJ
fsr-3374	2339	6	tool	tool	NOUN
fsr-3374	2339	7	for	for	ADP
fsr-3374	2339	8	informed	informed	ADJ
fsr-3374	2339	9	consumer	consumer	NOUN
fsr-3374	2339	10	choice	choice	NOUN
fsr-3374	2339	11	?	?	PUNCT
fsr-3374	2340	1	(	(	PUNCT
fsr-3374	2340	2	no	no	INTJ
fsr-3374	2340	3	.	.	PUNCT
fsr-3374	2341	1	w14084	w14084	PROPN
fsr-3374	2341	2	)	)	PUNCT
fsr-3374	2341	3	.	.	PUNCT
fsr-3374	2342	1	national	national	PROPN
fsr-3374	2342	2	bureau	bureau	PROPN
fsr-3374	2342	3	of	of	ADP
fsr-3374	2342	4	economic	economic	ADJ
fsr-3374	2342	5	research	research	NOUN
fsr-3374	2342	6	.	.	PUNCT
fsr-3374	2343	1	lusardi	lusardi	PROPN
fsr-3374	2343	2	,	,	PUNCT
fsr-3374	2343	3	a.	a.	NOUN
fsr-3374	2343	4	(	(	PUNCT
fsr-3374	2343	5	2012	2012	NUM
fsr-3374	2343	6	)	)	PUNCT
fsr-3374	2343	7	.	.	PUNCT
fsr-3374	2344	1	numeracy	numeracy	NOUN
fsr-3374	2344	2	,	,	PUNCT
fsr-3374	2344	3	financial	financial	ADJ
fsr-3374	2344	4	literacy	literacy	NOUN
fsr-3374	2344	5	,	,	PUNCT
fsr-3374	2344	6	and	and	CCONJ
fsr-3374	2344	7	financial	financial	ADJ
fsr-3374	2344	8	decision	decision	NOUN
fsr-3374	2344	9	-	-	PUNCT
fsr-3374	2344	10	making	making	NOUN
fsr-3374	2344	11	(	(	PUNCT
fsr-3374	2344	12	no	no	INTJ
fsr-3374	2344	13	.	.	PUNCT
fsr-3374	2344	14	w17821	w17821	NOUN
fsr-3374	2344	15	)	)	PUNCT
fsr-3374	2344	16	.	.	PUNCT
fsr-3374	2345	1	national	national	PROPN
fsr-3374	2345	2	bureau	bureau	PROPN
fsr-3374	2345	3	of	of	ADP
fsr-3374	2345	4	economic	economic	ADJ
fsr-3374	2345	5	research	research	NOUN
fsr-3374	2345	6	.	.	PUNCT
fsr-3374	2346	1	431m.h	431m.h	NOUN
fsr-3374	2346	2	.	.	PUNCT
fsr-3374	2347	1	alyousif	alyousif	PROPN
fsr-3374	2347	2	,	,	PUNCT
fsr-3374	2347	3	c.m	c.m	PROPN
fsr-3374	2347	4	.	.	PROPN
fsr-3374	2347	5	kalenkoski	kalenkoski	PROPN
fsr-3374	2347	6	/	/	SYM
fsr-3374	2347	7	financial	financial	ADJ
fsr-3374	2347	8	services	service	NOUN
fsr-3374	2347	9	review	review	VERB
fsr-3374	2347	10	26	26	NUM
fsr-3374	2347	11	(	(	PUNCT
fsr-3374	2347	12	2017	2017	NUM
fsr-3374	2347	13	)	)	PUNCT
fsr-3374	2348	1	405–432	405–432	NUM
fsr-3374	2348	2	lusardi	lusardi	NOUN
fsr-3374	2348	3	,	,	PUNCT
fsr-3374	2348	4	a.	a.	PROPN
fsr-3374	2348	5	,	,	PUNCT
fsr-3374	2348	6	&	&	CCONJ
fsr-3374	2348	7	mitchell	mitchell	PROPN
fsr-3374	2348	8	,	,	PUNCT
fsr-3374	2348	9	o.	o.	PROPN
fsr-3374	2348	10	(	(	PUNCT
fsr-3374	2348	11	2014	2014	NUM
fsr-3374	2348	12	)	)	PUNCT
fsr-3374	2348	13	.	.	PUNCT
fsr-3374	2349	1	the	the	DET
fsr-3374	2349	2	economic	economic	ADJ
fsr-3374	2349	3	importance	importance	NOUN
fsr-3374	2349	4	of	of	ADP
fsr-3374	2349	5	financial	financial	ADJ
fsr-3374	2349	6	literacy	literacy	NOUN
fsr-3374	2349	7	:	:	PUNCT
fsr-3374	2349	8	theory	theory	NOUN
fsr-3374	2349	9	and	and	CCONJ
fsr-3374	2349	10	evidence	evidence	NOUN
fsr-3374	2349	11	.	.	PUNCT
fsr-3374	2350	1	journal	journal	NOUN
fsr-3374	2350	2	of	of	ADP
fsr-3374	2350	3	economic	economic	ADJ
fsr-3374	2350	4	literature	literature	NOUN
fsr-3374	2350	5	,	,	PUNCT
fsr-3374	2350	6	52	52	NUM
fsr-3374	2350	7	,	,	PUNCT
fsr-3374	2350	8	5–44	5–44	PROPN
fsr-3374	2350	9	.	.	PROPN
fsr-3374	2350	10	lusardi	lusardi	PROPN
fsr-3374	2350	11	,	,	PUNCT
fsr-3374	2350	12	a.	a.	PROPN
fsr-3374	2350	13	,	,	PUNCT
fsr-3374	2350	14	mitchell	mitchell	PROPN
fsr-3374	2350	15	,	,	PUNCT
fsr-3374	2350	16	o.	o.	PROPN
fsr-3374	2350	17	,	,	PUNCT
fsr-3374	2350	18	&	&	CCONJ
fsr-3374	2350	19	curto	curto	PROPN
fsr-3374	2350	20	,	,	PUNCT
fsr-3374	2350	21	v.	v.	PROPN
fsr-3374	2350	22	(	(	PUNCT
fsr-3374	2350	23	2010	2010	NUM
fsr-3374	2350	24	)	)	PUNCT
fsr-3374	2350	25	.	.	PUNCT
fsr-3374	2351	1	financial	financial	ADJ
fsr-3374	2351	2	literacy	literacy	NOUN
fsr-3374	2351	3	among	among	ADP
fsr-3374	2351	4	the	the	DET
fsr-3374	2351	5	young	young	ADJ
fsr-3374	2351	6	.	.	PUNCT
fsr-3374	2352	1	journal	journal	PROPN
fsr-3374	2352	2	of	of	ADP
fsr-3374	2352	3	consumer	consumer	NOUN
fsr-3374	2352	4	affairs	affair	NOUN
fsr-3374	2352	5	,	,	PUNCT
fsr-3374	2352	6	44	44	NUM
fsr-3374	2352	7	,	,	PUNCT
fsr-3374	2352	8	358–380	358–380	NUM
fsr-3374	2352	9	.	.	PUNCT
fsr-3374	2353	1	lusardi	lusardi	PROPN
fsr-3374	2353	2	,	,	PUNCT
fsr-3374	2353	3	a.	a.	PROPN
fsr-3374	2353	4	,	,	PUNCT
fsr-3374	2353	5	&	&	CCONJ
fsr-3374	2353	6	mitchell	mitchell	PROPN
fsr-3374	2353	7	,	,	PUNCT
fsr-3374	2353	8	o.	o.	PROPN
fsr-3374	2353	9	s.	s.	PROPN
fsr-3374	2353	10	(	(	PUNCT
fsr-3374	2353	11	2009	2009	NUM
fsr-3374	2353	12	)	)	PUNCT
fsr-3374	2353	13	.	.	PUNCT
fsr-3374	2354	1	how	how	SCONJ
fsr-3374	2354	2	ordinary	ordinary	ADJ
fsr-3374	2354	3	consumers	consumer	NOUN
fsr-3374	2354	4	make	make	VERB
fsr-3374	2354	5	complex	complex	ADJ
fsr-3374	2354	6	economic	economic	ADJ
fsr-3374	2354	7	decisions	decision	NOUN
fsr-3374	2354	8	:	:	PUNCT
fsr-3374	2354	9	financial	financial	ADJ
fsr-3374	2354	10	literacy	literacy	NOUN
fsr-3374	2354	11	and	and	CCONJ
fsr-3374	2354	12	retirement	retirement	NOUN
fsr-3374	2354	13	readiness	readiness	NOUN
fsr-3374	2354	14	(	(	PUNCT
fsr-3374	2354	15	no	no	INTJ
fsr-3374	2354	16	.	.	PUNCT
fsr-3374	2355	1	w15350	w15350	PROPN
fsr-3374	2355	2	)	)	PUNCT
fsr-3374	2355	3	.	.	PUNCT
fsr-3374	2356	1	national	national	PROPN
fsr-3374	2356	2	bureau	bureau	PROPN
fsr-3374	2356	3	of	of	ADP
fsr-3374	2356	4	economic	economic	ADJ
fsr-3374	2356	5	research	research	NOUN
fsr-3374	2356	6	.	.	PUNCT
fsr-3374	2357	1	lusardi	lusardi	PROPN
fsr-3374	2357	2	,	,	PUNCT
fsr-3374	2357	3	a.	a.	PROPN
fsr-3374	2357	4	,	,	PUNCT
fsr-3374	2357	5	&	&	CCONJ
fsr-3374	2357	6	tufano	tufano	ADJ
fsr-3374	2357	7	,	,	PUNCT
fsr-3374	2357	8	p.	p.	NOUN
fsr-3374	2357	9	(	(	PUNCT
fsr-3374	2357	10	2009	2009	NUM
fsr-3374	2357	11	)	)	PUNCT
fsr-3374	2357	12	.	.	PUNCT
fsr-3374	2358	1	debt	debt	NOUN
fsr-3374	2358	2	literacy	literacy	NOUN
fsr-3374	2358	3	,	,	PUNCT
fsr-3374	2358	4	financial	financial	ADJ
fsr-3374	2358	5	experiences	experience	NOUN
fsr-3374	2358	6	,	,	PUNCT
fsr-3374	2358	7	and	and	CCONJ
fsr-3374	2358	8	overindebtedness	overindebtedness	NOUN
fsr-3374	2358	9	(	(	PUNCT
fsr-3374	2358	10	no	no	INTJ
fsr-3374	2358	11	.	.	PUNCT
fsr-3374	2359	1	w14808	w14808	NOUN
fsr-3374	2359	2	)	)	PUNCT
fsr-3374	2359	3	.	.	PUNCT
fsr-3374	2360	1	national	national	PROPN
fsr-3374	2360	2	bureau	bureau	PROPN
fsr-3374	2360	3	of	of	ADP
fsr-3374	2360	4	economic	economic	ADJ
fsr-3374	2360	5	research	research	NOUN
fsr-3374	2360	6	.	.	PUNCT
fsr-3374	2361	1	morris	morris	PROPN
fsr-3374	2361	2	,	,	PUNCT
fsr-3374	2361	3	g.	g.	PROPN
fsr-3374	2361	4	a.	a.	PROPN
fsr-3374	2361	5	,	,	PUNCT
fsr-3374	2361	6	&	&	CCONJ
fsr-3374	2361	7	meyer	meyer	PROPN
fsr-3374	2361	8	,	,	PUNCT
fsr-3374	2361	9	r.	r.	PROPN
fsr-3374	2361	10	l.	l.	PROPN
fsr-3374	2361	11	(	(	PUNCT
fsr-3374	2361	12	1993	1993	NUM
fsr-3374	2361	13	)	)	PUNCT
fsr-3374	2361	14	.	.	PUNCT
fsr-3374	2362	1	women	woman	NOUN
fsr-3374	2362	2	and	and	CCONJ
fsr-3374	2362	3	financial	financial	ADJ
fsr-3374	2362	4	services	service	NOUN
fsr-3374	2362	5	in	in	ADP
fsr-3374	2362	6	developing	develop	VERB
fsr-3374	2362	7	countries	country	NOUN
fsr-3374	2362	8	:	:	PUNCT
fsr-3374	2362	9	a	a	DET
fsr-3374	2362	10	review	review	NOUN
fsr-3374	2362	11	of	of	ADP
fsr-3374	2362	12	the	the	DET
fsr-3374	2362	13	literature	literature	NOUN
fsr-3374	2362	14	.	.	PUNCT
fsr-3374	2363	1	(	(	PUNCT
fsr-3374	2363	2	available	available	ADJ
fsr-3374	2363	3	at	at	ADP
fsr-3374	2363	4	https://kb.osu.edu	https://kb.osu.edu	NOUN
fsr-3374	2363	5	)	)	PUNCT
fsr-3374	2363	6	orc	orc	NOUN
fsr-3374	2363	7	.	.	PUNCT
fsr-3374	2364	1	(	(	PUNCT
fsr-3374	2364	2	2015	2015	NUM
fsr-3374	2364	3	)	)	PUNCT
fsr-3374	2364	4	.	.	PUNCT
fsr-3374	2365	1	stress	stress	NOUN
fsr-3374	2365	2	awareness	awareness	NOUN
fsr-3374	2365	3	month	month	NOUN
fsr-3374	2365	4	survey	survey	NOUN
fsr-3374	2365	5	report	report	NOUN
fsr-3374	2365	6	.	.	PUNCT
fsr-3374	2366	1	(	(	PUNCT
fsr-3374	2366	2	available	available	ADJ
fsr-3374	2366	3	at	at	ADP
fsr-3374	2366	4	http://www.cfp.net	http://www.cfp.net	PROPN
fsr-3374	2366	5	)	)	PUNCT
fsr-3374	2366	6	robb	robb	NOUN
fsr-3374	2366	7	,	,	PUNCT
fsr-3374	2366	8	c.	c.	PROPN
fsr-3374	2366	9	a	a	PROPN
fsr-3374	2366	10	,	,	PUNCT
fsr-3374	2366	11	babiarz	babiarz	PROPN
fsr-3374	2366	12	,	,	PUNCT
fsr-3374	2366	13	p.	p.	NOUN
fsr-3374	2366	14	,	,	PUNCT
fsr-3374	2366	15	&	&	CCONJ
fsr-3374	2366	16	woodyard	woodyard	PROPN
fsr-3374	2366	17	,	,	PUNCT
fsr-3374	2366	18	a.	a.	NOUN
fsr-3374	2366	19	(	(	PUNCT
fsr-3374	2366	20	2012	2012	NUM
fsr-3374	2366	21	)	)	PUNCT
fsr-3374	2366	22	.	.	PUNCT
fsr-3374	2367	1	the	the	DET
fsr-3374	2367	2	demand	demand	NOUN
fsr-3374	2367	3	for	for	ADP
fsr-3374	2367	4	financial	financial	ADJ
fsr-3374	2367	5	professionals	professional	NOUN
fsr-3374	2367	6	’	'	PUNCT
fsr-3374	2367	7	advice	advice	NOUN
fsr-3374	2367	8	:	:	PUNCT
fsr-3374	2367	9	the	the	DET
fsr-3374	2367	10	role	role	NOUN
fsr-3374	2367	11	of	of	ADP
fsr-3374	2367	12	financial	financial	ADJ
fsr-3374	2367	13	knowledge	knowledge	NOUN
fsr-3374	2367	14	,	,	PUNCT
fsr-3374	2367	15	satisfaction	satisfaction	NOUN
fsr-3374	2367	16	,	,	PUNCT
fsr-3374	2367	17	and	and	CCONJ
fsr-3374	2367	18	confidence	confidence	NOUN
fsr-3374	2367	19	.	.	PUNCT
fsr-3374	2368	1	financial	financial	ADJ
fsr-3374	2368	2	services	service	NOUN
fsr-3374	2368	3	review	review	PROPN
fsr-3374	2368	4	,	,	PUNCT
fsr-3374	2368	5	21	21	NUM
fsr-3374	2368	6	,	,	PUNCT
fsr-3374	2368	7	291–305	291–305	NUM
fsr-3374	2368	8	.	.	PUNCT
fsr-3374	2369	1	salter	salter	PROPN
fsr-3374	2369	2	,	,	PUNCT
fsr-3374	2369	3	j.	j.	PROPN
fsr-3374	2369	4	r.	r.	PROPN
fsr-3374	2369	5	,	,	PUNCT
fsr-3374	2369	6	harness	harness	NOUN
fsr-3374	2369	7	,	,	PUNCT
fsr-3374	2369	8	n.	n.	NOUN
fsr-3374	2369	9	,	,	PUNCT
fsr-3374	2369	10	&	&	CCONJ
fsr-3374	2369	11	chatterjee	chatterjee	PROPN
fsr-3374	2369	12	,	,	PUNCT
fsr-3374	2369	13	s.	s.	PROPN
fsr-3374	2369	14	(	(	PUNCT
fsr-3374	2369	15	2010	2010	NUM
fsr-3374	2369	16	)	)	PUNCT
fsr-3374	2369	17	.	.	PUNCT
fsr-3374	2370	1	utilization	utilization	NOUN
fsr-3374	2370	2	of	of	ADP
fsr-3374	2370	3	financial	financial	ADJ
fsr-3374	2370	4	advisors	advisor	NOUN
fsr-3374	2370	5	by	by	ADP
fsr-3374	2370	6	affluent	affluent	ADJ
fsr-3374	2370	7	retirees	retiree	NOUN
fsr-3374	2370	8	.	.	PUNCT
fsr-3374	2371	1	financial	financial	ADJ
fsr-3374	2371	2	services	services	PROPN
fsr-3374	2371	3	review	review	PROPN
fsr-3374	2371	4	,	,	PUNCT
fsr-3374	2371	5	19	19	NUM
fsr-3374	2371	6	,	,	PUNCT
fsr-3374	2371	7	245–263	245–263	NUM
fsr-3374	2371	8	.	.	PUNCT
fsr-3374	2372	1	scott	scott	PROPN
fsr-3374	2372	2	,	,	PUNCT
fsr-3374	2372	3	j.	j.	PROPN
fsr-3374	2372	4	k.	k.	PROPN
fsr-3374	2372	5	,	,	PUNCT
fsr-3374	2372	6	&	&	CCONJ
fsr-3374	2372	7	finke	finke	PROPN
fsr-3374	2372	8	,	,	PUNCT
fsr-3374	2372	9	m.	m.	NOUN
fsr-3374	2372	10	s.	s.	PROPN
fsr-3374	2372	11	(	(	PUNCT
fsr-3374	2372	12	2013	2013	NUM
fsr-3374	2372	13	)	)	PUNCT
fsr-3374	2372	14	.	.	PUNCT
fsr-3374	2373	1	the	the	DET
fsr-3374	2373	2	demand	demand	NOUN
fsr-3374	2373	3	for	for	ADP
fsr-3374	2373	4	disability	disability	NOUN
fsr-3374	2373	5	insurance	insurance	NOUN
fsr-3374	2373	6	.	.	PUNCT
fsr-3374	2374	1	financial	financial	ADJ
fsr-3374	2374	2	services	service	NOUN
fsr-3374	2374	3	review	review	PROPN
fsr-3374	2374	4	,	,	PUNCT
fsr-3374	2374	5	22	22	NUM
fsr-3374	2374	6	,	,	PUNCT
fsr-3374	2374	7	1–12	1–12	NOUN
fsr-3374	2374	8	.	.	PUNCT
fsr-3374	2375	1	seay	seay	PROPN
fsr-3374	2375	2	,	,	PUNCT
fsr-3374	2375	3	m.	m.	PROPN
fsr-3374	2375	4	c.	c.	PROPN
fsr-3374	2375	5	,	,	PUNCT
fsr-3374	2375	6	kim	kim	PROPN
fsr-3374	2375	7	,	,	PUNCT
fsr-3374	2375	8	k.	k.	PROPN
fsr-3374	2375	9	t.	t.	PROPN
fsr-3374	2375	10	,	,	PUNCT
fsr-3374	2375	11	&	&	CCONJ
fsr-3374	2375	12	heckman	heckman	PROPN
fsr-3374	2375	13	,	,	PUNCT
fsr-3374	2375	14	s.	s.	PROPN
fsr-3374	2375	15	j.	j.	PROPN
fsr-3374	2375	16	(	(	PUNCT
fsr-3374	2375	17	2016	2016	NUM
fsr-3374	2375	18	)	)	PUNCT
fsr-3374	2375	19	.	.	PUNCT
fsr-3374	2376	1	exploring	explore	VERB
fsr-3374	2376	2	the	the	DET
fsr-3374	2376	3	demand	demand	NOUN
fsr-3374	2376	4	for	for	ADP
fsr-3374	2376	5	retirement	retirement	NOUN
fsr-3374	2376	6	planning	planning	NOUN
fsr-3374	2376	7	advice	advice	NOUN
fsr-3374	2376	8	:	:	PUNCT
fsr-3374	2376	9	the	the	DET
fsr-3374	2376	10	role	role	NOUN
fsr-3374	2376	11	of	of	ADP
fsr-3374	2376	12	financial	financial	ADJ
fsr-3374	2376	13	literacy	literacy	NOUN
fsr-3374	2376	14	.	.	PUNCT
fsr-3374	2377	1	financial	financial	ADJ
fsr-3374	2377	2	services	service	NOUN
fsr-3374	2377	3	review	review	PROPN
fsr-3374	2377	4	,	,	PUNCT
fsr-3374	2377	5	25	25	NUM
fsr-3374	2377	6	,	,	PUNCT
fsr-3374	2377	7	331–350	331–350	NUM
fsr-3374	2377	8	.	.	PUNCT
fsr-3374	2378	1	simms	simms	PROPN
fsr-3374	2378	2	,	,	PUNCT
fsr-3374	2378	3	k.	k.	PROPN
fsr-3374	2378	4	(	(	PUNCT
fsr-3374	2378	5	2014	2014	NUM
fsr-3374	2378	6	)	)	PUNCT
fsr-3374	2378	7	.	.	PUNCT
fsr-3374	2379	1	investor	investor	NOUN
fsr-3374	2379	2	profiles	profile	NOUN
fsr-3374	2379	3	:	:	PUNCT
fsr-3374	2379	4	meaningful	meaningful	ADJ
fsr-3374	2379	5	differences	difference	NOUN
fsr-3374	2379	6	in	in	ADP
fsr-3374	2379	7	women	woman	NOUN
fsr-3374	2379	8	’s	’s	PART
fsr-3374	2379	9	use	use	NOUN
fsr-3374	2379	10	of	of	ADP
fsr-3374	2379	11	investment	investment	NOUN
fsr-3374	2379	12	advice	advice	NOUN
fsr-3374	2379	13	?	?	PUNCT
fsr-3374	2380	1	financial	financial	ADJ
fsr-3374	2380	2	services	service	NOUN
fsr-3374	2380	3	review	review	NOUN
fsr-3374	2380	4	,	,	PUNCT
fsr-3374	2380	5	23	23	NUM
fsr-3374	2380	6	,	,	PUNCT
fsr-3374	2380	7	273–286	273–286	NUM
fsr-3374	2380	8	.	.	PUNCT
fsr-3374	2380	9	tang	tang	PROPN
fsr-3374	2380	10	,	,	PUNCT
fsr-3374	2380	11	n.	n.	NOUN
fsr-3374	2380	12	,	,	PUNCT
fsr-3374	2380	13	&	&	CCONJ
fsr-3374	2380	14	lachance	lachance	PROPN
fsr-3374	2380	15	,	,	PUNCT
fsr-3374	2380	16	m.-e	m.-e	ADJ
fsr-3374	2380	17	.	.	PUNCT
fsr-3374	2381	1	(	(	PUNCT
fsr-3374	2381	2	2012	2012	NUM
fsr-3374	2381	3	)	)	PUNCT
fsr-3374	2381	4	.	.	PUNCT
fsr-3374	2382	1	financial	financial	ADJ
fsr-3374	2382	2	advice	advice	NOUN
fsr-3374	2382	3	:	:	PUNCT
fsr-3374	2382	4	what	what	PRON
fsr-3374	2382	5	about	about	ADP
fsr-3374	2382	6	low	low	ADJ
fsr-3374	2382	7	income	income	NOUN
fsr-3374	2382	8	consumers	consumer	NOUN
fsr-3374	2382	9	?	?	PUNCT
fsr-3374	2383	1	journal	journal	NOUN
fsr-3374	2383	2	of	of	ADP
fsr-3374	2383	3	personal	personal	ADJ
fsr-3374	2383	4	finance	finance	NOUN
fsr-3374	2383	5	,	,	PUNCT
fsr-3374	2383	6	11	11	NUM
fsr-3374	2383	7	,	,	PUNCT
fsr-3374	2383	8	121–158	121–158	NUM
fsr-3374	2383	9	.	.	PUNCT
fsr-3374	2384	1	vanderhei	vanderhei	PROPN
fsr-3374	2384	2	,	,	PUNCT
fsr-3374	2384	3	j.	j.	PROPN
fsr-3374	2384	4	,	,	PUNCT
fsr-3374	2384	5	&	&	CCONJ
fsr-3374	2384	6	copeland	copeland	PROPN
fsr-3374	2384	7	,	,	PUNCT
fsr-3374	2384	8	c.	c.	PROPN
fsr-3374	2384	9	(	(	PUNCT
fsr-3374	2384	10	2015	2015	NUM
fsr-3374	2384	11	)	)	PUNCT
fsr-3374	2384	12	.	.	PUNCT
fsr-3374	2385	1	retirement	retirement	NOUN
fsr-3374	2385	2	confidence	confidence	NOUN
fsr-3374	2385	3	survey	survey	NOUN
fsr-3374	2385	4	.	.	PUNCT
fsr-3374	2386	1	retreived	retreive	VERB
fsr-3374	2386	2	from	from	ADP
fsr-3374	2386	3	http://www.ebri.org	http://www.ebri.org	PROPN
fsr-3374	2386	4	.	.	PUNCT
fsr-3374	2387	1	van	van	PROPN
fsr-3374	2387	2	rooij	rooij	NOUN
fsr-3374	2387	3	,	,	PUNCT
fsr-3374	2387	4	m.	m.	NOUN
fsr-3374	2387	5	,	,	PUNCT
fsr-3374	2387	6	lusardi	lusardi	PROPN
fsr-3374	2387	7	,	,	PUNCT
fsr-3374	2387	8	a.	a.	NOUN
fsr-3374	2387	9	,	,	PUNCT
fsr-3374	2387	10	&	&	CCONJ
fsr-3374	2387	11	alessie	alessie	PROPN
fsr-3374	2387	12	,	,	PUNCT
fsr-3374	2387	13	r.	r.	PROPN
fsr-3374	2387	14	(	(	PUNCT
fsr-3374	2387	15	2011	2011	NUM
fsr-3374	2387	16	)	)	PUNCT
fsr-3374	2387	17	.	.	PUNCT
fsr-3374	2388	1	financial	financial	ADJ
fsr-3374	2388	2	literacy	literacy	NOUN
fsr-3374	2388	3	and	and	CCONJ
fsr-3374	2388	4	stock	stock	NOUN
fsr-3374	2388	5	market	market	NOUN
fsr-3374	2388	6	participation	participation	NOUN
fsr-3374	2388	7	.	.	PUNCT
fsr-3374	2389	1	journal	journal	NOUN
fsr-3374	2389	2	of	of	ADP
fsr-3374	2389	3	financial	financial	ADJ
fsr-3374	2389	4	economics	economic	NOUN
fsr-3374	2389	5	,	,	PUNCT
fsr-3374	2389	6	101	101	NUM
fsr-3374	2389	7	,	,	PUNCT
fsr-3374	2389	8	449–472	449–472	NUM
fsr-3374	2389	9	.	.	PUNCT
fsr-3374	2390	1	winchester	winchester	PROPN
fsr-3374	2390	2	,	,	PUNCT
fsr-3374	2390	3	d.	d.	PROPN
fsr-3374	2390	4	d.	d.	PROPN
fsr-3374	2390	5	,	,	PUNCT
fsr-3374	2390	6	&	&	CCONJ
fsr-3374	2390	7	huston	huston	PROPN
fsr-3374	2390	8	,	,	PUNCT
fsr-3374	2390	9	s.	s.	PROPN
fsr-3374	2390	10	j.	j.	PROPN
fsr-3374	2390	11	(	(	PUNCT
fsr-3374	2390	12	2015	2015	NUM
fsr-3374	2390	13	)	)	PUNCT
fsr-3374	2390	14	.	.	PUNCT
fsr-3374	2391	1	all	all	DET
fsr-3374	2391	2	financial	financial	ADJ
fsr-3374	2391	3	advice	advice	NOUN
fsr-3374	2391	4	for	for	ADP
fsr-3374	2391	5	the	the	DET
fsr-3374	2391	6	middle	middle	ADJ
fsr-3374	2391	7	class	class	NOUN
fsr-3374	2391	8	is	be	AUX
fsr-3374	2391	9	not	not	PART
fsr-3374	2391	10	equal	equal	ADJ
fsr-3374	2391	11	.	.	PUNCT
fsr-3374	2392	1	journal	journal	NOUN
fsr-3374	2392	2	of	of	ADP
fsr-3374	2392	3	consumer	consumer	NOUN
fsr-3374	2392	4	policy	policy	NOUN
fsr-3374	2392	5	,	,	PUNCT
fsr-3374	2392	6	(	(	PUNCT
fsr-3374	2392	7	april	april	PROPN
fsr-3374	2392	8	)	)	PUNCT
fsr-3374	2392	9	,	,	PUNCT
fsr-3374	2392	10	247–264	247–264	NUM
fsr-3374	2392	11	.	.	PUNCT
fsr-3374	2393	1	432	432	NUM
fsr-3374	2393	2	m.h	m.h	PROPN
fsr-3374	2393	3	.	.	PROPN
fsr-3374	2393	4	alyousif	alyousif	PROPN
fsr-3374	2393	5	,	,	PUNCT
fsr-3374	2393	6	c.m	c.m	PROPN
fsr-3374	2393	7	.	.	PROPN
fsr-3374	2393	8	kalenkoski	kalenkoski	PROPN
fsr-3374	2393	9	/	/	SYM
fsr-3374	2393	10	financial	financial	ADJ
fsr-3374	2393	11	services	service	NOUN
fsr-3374	2393	12	review	review	VERB
fsr-3374	2393	13	26	26	NUM
fsr-3374	2393	14	(	(	PUNCT
fsr-3374	2393	15	2017	2017	NUM
fsr-3374	2393	16	)	)	PUNCT
fsr-3374	2394	1	405–432	405–432	NUM