id	sid	tid	token	lemma	pos
fsr-3378	1	1	credit	credit	NOUN
fsr-3378	1	2	usage	usage	NOUN
fsr-3378	1	3	,	,	PUNCT
fsr-3378	1	4	payment	payment	NOUN
fsr-3378	1	5	behavior	behavior	NOUN
fsr-3378	1	6	,	,	PUNCT
fsr-3378	1	7	and	and	CCONJ
fsr-3378	1	8	the	the	DET
fsr-3378	1	9	accuracy	accuracy	NOUN
fsr-3378	1	10	of	of	ADP
fsr-3378	1	11	consumer	consumer	NOUN
fsr-3378	1	12	credit	credit	NOUN
fsr-3378	1	13	files	file	NOUN
fsr-3378	1	14	l.	l.	PROPN
fsr-3378	1	15	douglas	douglas	PROPN
fsr-3378	1	16	smith	smith	PROPN
fsr-3378	1	17	,	,	PUNCT
fsr-3378	1	18	ph.d.a	ph.d.a	PROPN
fsr-3378	1	19	,	,	PUNCT
fsr-3378	1	20	*	*	PUNCT
fsr-3378	1	21	,	,	PUNCT
fsr-3378	1	22	michael	michael	PROPN
fsr-3378	1	23	staten	staten	PROPN
fsr-3378	1	24	,	,	PUNCT
fsr-3378	1	25	ph.d.b	ph.d.b	PROPN
fsr-3378	1	26	,	,	PUNCT
fsr-3378	1	27	thomas	thomas	PROPN
fsr-3378	1	28	eyssell	eyssell	PROPN
fsr-3378	1	29	,	,	PUNCT
fsr-3378	1	30	ph.d.c	ph.d.c	PROPN
fsr-3378	1	31	,	,	PUNCT
fsr-3378	1	32	maureen	maureen	PROPN
fsr-3378	1	33	karig	karig	PROPN
fsr-3378	1	34	,	,	PUNCT
fsr-3378	1	35	mbad	mbad	PROPN
fsr-3378	1	36	,	,	PUNCT
fsr-3378	1	37	jeffrey	jeffrey	PROPN
fsr-3378	1	38	feinstein	feinstein	PROPN
fsr-3378	1	39	,	,	PUNCT
fsr-3378	1	40	ph.d.e	ph.d.e	PROPN
fsr-3378	1	41	,	,	PUNCT
fsr-3378	1	42	cathleen	cathleen	PROPN
fsr-3378	1	43	johnson	johnson	PROPN
fsr-3378	1	44	,	,	PUNCT
fsr-3378	1	45	ph.d.f	ph.d.f	PROPN
fsr-3378	1	46	acenter	acenter	NOUN
fsr-3378	1	47	for	for	ADP
fsr-3378	1	48	business	business	NOUN
fsr-3378	1	49	and	and	CCONJ
fsr-3378	1	50	industrial	industrial	ADJ
fsr-3378	1	51	studies	study	NOUN
fsr-3378	1	52	,	,	PUNCT
fsr-3378	1	53	university	university	PROPN
fsr-3378	1	54	of	of	ADP
fsr-3378	1	55	missouri	missouri	PROPN
fsr-3378	1	56	-	-	PROPN
fsr-3378	1	57	st	st	PROPN
fsr-3378	1	58	.	.	PROPN
fsr-3378	1	59	louis	louis	PROPN
fsr-3378	1	60	,	,	PUNCT
fsr-3378	1	61	one	one	NUM
fsr-3378	1	62	university	university	NOUN
fsr-3378	1	63	blvd	blvd	NOUN
fsr-3378	1	64	,	,	PUNCT
fsr-3378	1	65	st	st	PROPN
fsr-3378	1	66	.	.	PROPN
fsr-3378	1	67	louis	louis	PROPN
fsr-3378	1	68	,	,	PUNCT
fsr-3378	1	69	mo	mo	NOUN
fsr-3378	1	70	63121	63121	NUM
fsr-3378	1	71	,	,	PUNCT
fsr-3378	1	72	usa	usa	PROPN
fsr-3378	1	73	bcollege	bcollege	PROPN
fsr-3378	1	74	of	of	ADP
fsr-3378	1	75	agriculture	agriculture	NOUN
fsr-3378	1	76	and	and	CCONJ
fsr-3378	1	77	life	life	NOUN
fsr-3378	1	78	sciences	sciences	PROPN
fsr-3378	1	79	,	,	PUNCT
fsr-3378	1	80	university	university	NOUN
fsr-3378	1	81	of	of	ADP
fsr-3378	1	82	arizona	arizona	PROPN
fsr-3378	1	83	,	,	PUNCT
fsr-3378	1	84	forbes	forbes	PROPN
fsr-3378	1	85	hall	hall	PROPN
fsr-3378	1	86	room	room	PROPN
fsr-3378	1	87	211	211	NUM
fsr-3378	1	88	,	,	PUNCT
fsr-3378	1	89	tucson	tucson	PROPN
fsr-3378	1	90	,	,	PUNCT
fsr-3378	1	91	az	az	PROPN
fsr-3378	1	92	85721	85721	NUM
fsr-3378	1	93	,	,	PUNCT
fsr-3378	1	94	usa	usa	PROPN
fsr-3378	1	95	cdepartment	cdepartment	PROPN
fsr-3378	1	96	of	of	ADP
fsr-3378	1	97	finance	finance	NOUN
fsr-3378	1	98	,	,	PUNCT
fsr-3378	1	99	university	university	PROPN
fsr-3378	1	100	of	of	ADP
fsr-3378	1	101	missouri	missouri	PROPN
fsr-3378	1	102	-	-	PROPN
fsr-3378	1	103	st	st	PROPN
fsr-3378	1	104	.	.	PROPN
fsr-3378	1	105	louis	louis	PROPN
fsr-3378	1	106	,	,	PUNCT
fsr-3378	1	107	one	one	NUM
fsr-3378	1	108	university	university	NOUN
fsr-3378	1	109	blvd	blvd	NOUN
fsr-3378	1	110	,	,	PUNCT
fsr-3378	1	111	st	st	PROPN
fsr-3378	1	112	.	.	PROPN
fsr-3378	1	113	louis	louis	PROPN
fsr-3378	1	114	,	,	PUNCT
fsr-3378	1	115	mo	mo	NOUN
fsr-3378	1	116	63121	63121	NUM
fsr-3378	1	117	,	,	PUNCT
fsr-3378	1	118	usa	usa	PROPN
fsr-3378	1	119	ddepartment	ddepartment	NOUN
fsr-3378	1	120	of	of	ADP
fsr-3378	1	121	supply	supply	NOUN
fsr-3378	1	122	chain	chain	NOUN
fsr-3378	1	123	and	and	CCONJ
fsr-3378	1	124	analytics	analytic	NOUN
fsr-3378	1	125	,	,	PUNCT
fsr-3378	1	126	university	university	PROPN
fsr-3378	1	127	of	of	ADP
fsr-3378	1	128	missouri	missouri	PROPN
fsr-3378	1	129	-	-	PROPN
fsr-3378	1	130	st	st	PROPN
fsr-3378	1	131	.	.	PROPN
fsr-3378	1	132	louis	louis	PROPN
fsr-3378	1	133	,	,	PUNCT
fsr-3378	1	134	one	one	NUM
fsr-3378	1	135	university	university	NOUN
fsr-3378	1	136	blvd	blvd	NOUN
fsr-3378	1	137	,	,	PUNCT
fsr-3378	1	138	st	st	PROPN
fsr-3378	1	139	.	.	PROPN
fsr-3378	1	140	louis	louis	PROPN
fsr-3378	1	141	,	,	PUNCT
fsr-3378	1	142	mo	mo	NOUN
fsr-3378	1	143	63121	63121	NUM
fsr-3378	1	144	,	,	PUNCT
fsr-3378	1	145	usa	usa	PROPN
fsr-3378	1	146	edepartment	edepartment	PROPN
fsr-3378	1	147	of	of	ADP
fsr-3378	1	148	global	global	ADJ
fsr-3378	1	149	analytic	analytic	ADJ
fsr-3378	1	150	strategy	strategy	NOUN
fsr-3378	1	151	,	,	PUNCT
fsr-3378	1	152	lexisnexis	lexisnexis	ADJ
fsr-3378	1	153	risk	risk	NOUN
fsr-3378	1	154	solutions	solution	NOUN
fsr-3378	1	155	,	,	PUNCT
fsr-3378	1	156	1000	1000	NUM
fsr-3378	1	157	alderman	alderman	NOUN
fsr-3378	1	158	drive	drive	NOUN
fsr-3378	1	159	,	,	PUNCT
fsr-3378	1	160	alpharetta	alpharetta	PROPN
fsr-3378	1	161	,	,	PUNCT
fsr-3378	1	162	ga	ga	PROPN
fsr-3378	1	163	30005	30005	NUM
fsr-3378	1	164	,	,	PUNCT
fsr-3378	1	165	usa	usa	PROPN
fsr-3378	1	166	fdepartment	fdepartment	NOUN
fsr-3378	1	167	of	of	ADP
fsr-3378	1	168	philosophy	philosophy	NOUN
fsr-3378	1	169	,	,	PUNCT
fsr-3378	1	170	university	university	PROPN
fsr-3378	1	171	of	of	ADP
fsr-3378	1	172	arizona	arizona	PROPN
fsr-3378	1	173	,	,	PUNCT
fsr-3378	1	174	1145	1145	NUM
fsr-3378	1	175	e.	e.	PROPN
fsr-3378	1	176	south	south	PROPN
fsr-3378	1	177	campus	campus	PROPN
fsr-3378	1	178	drive	drive	NOUN
fsr-3378	1	179	,	,	PUNCT
fsr-3378	1	180	tucson	tucson	PROPN
fsr-3378	1	181	,	,	PUNCT
fsr-3378	1	182	az	az	PROPN
fsr-3378	1	183	85721	85721	NUM
fsr-3378	1	184	,	,	PUNCT
fsr-3378	1	185	usa	usa	PROPN
fsr-3378	1	186	abstract	abstract	PROPN
fsr-3378	1	187	through	through	ADP
fsr-3378	1	188	intensive	intensive	ADJ
fsr-3378	1	189	interviews	interview	NOUN
fsr-3378	1	190	,	,	PUNCT
fsr-3378	1	191	examination	examination	NOUN
fsr-3378	1	192	of	of	ADP
fsr-3378	1	193	credit	credit	NOUN
fsr-3378	1	194	reports	report	NOUN
fsr-3378	1	195	,	,	PUNCT
fsr-3378	1	196	and	and	CCONJ
fsr-3378	1	197	rescoring	rescoring	NOUN
fsr-3378	1	198	of	of	ADP
fsr-3378	1	199	corrected	correct	VERB
fsr-3378	1	200	credit	credit	NOUN
fsr-3378	1	201	files	file	NOUN
fsr-3378	1	202	,	,	PUNCT
fsr-3378	1	203	the	the	DET
fsr-3378	1	204	researchers	researcher	NOUN
fsr-3378	1	205	consider	consider	VERB
fsr-3378	1	206	household	household	NOUN
fsr-3378	1	207	characteristics	characteristic	NOUN
fsr-3378	1	208	,	,	PUNCT
fsr-3378	1	209	major	major	ADJ
fsr-3378	1	210	life	life	NOUN
fsr-3378	1	211	events	event	NOUN
fsr-3378	1	212	,	,	PUNCT
fsr-3378	1	213	financial	financial	ADJ
fsr-3378	1	214	resources	resource	NOUN
fsr-3378	1	215	,	,	PUNCT
fsr-3378	1	216	and	and	CCONJ
fsr-3378	1	217	payment	payment	NOUN
fsr-3378	1	218	habits	habit	NOUN
fsr-3378	1	219	as	as	SCONJ
fsr-3378	1	220	they	they	PRON
fsr-3378	1	221	study	study	VERB
fsr-3378	1	222	the	the	DET
fsr-3378	1	223	integrity	integrity	NOUN
fsr-3378	1	224	of	of	ADP
fsr-3378	1	225	credit	credit	NOUN
fsr-3378	1	226	-	-	PUNCT
fsr-3378	1	227	bureau	bureau	NOUN
fsr-3378	1	228	data	datum	NOUN
fsr-3378	1	229	,	,	PUNCT
fsr-3378	1	230	vulnerability	vulnerability	NOUN
fsr-3378	1	231	to	to	ADP
fsr-3378	1	232	error	error	NOUN
fsr-3378	1	233	,	,	PUNCT
fsr-3378	1	234	and	and	CCONJ
fsr-3378	1	235	results	result	NOUN
fsr-3378	1	236	of	of	ADP
fsr-3378	1	237	disputes	dispute	NOUN
fsr-3378	1	238	filed	file	VERB
fsr-3378	1	239	with	with	ADP
fsr-3378	1	240	the	the	DET
fsr-3378	1	241	major	major	ADJ
fsr-3378	1	242	credit	credit	NOUN
fsr-3378	1	243	bureaus	bureaus	NOUN
fsr-3378	1	244	.	.	PUNCT
fsr-3378	2	1	credit	credit	NOUN
fsr-3378	2	2	usage	usage	NOUN
fsr-3378	2	3	and	and	CCONJ
fsr-3378	2	4	management	management	NOUN
fsr-3378	2	5	are	be	AUX
fsr-3378	2	6	found	find	VERB
fsr-3378	2	7	to	to	PART
fsr-3378	2	8	vary	vary	VERB
fsr-3378	2	9	widely	widely	ADV
fsr-3378	2	10	within	within	ADP
fsr-3378	2	11	demographic	demographic	ADJ
fsr-3378	2	12	groups	group	NOUN
fsr-3378	2	13	.	.	PUNCT
fsr-3378	3	1	vulnerability	vulnerability	NOUN
fsr-3378	3	2	to	to	ADP
fsr-3378	3	3	error	error	NOUN
fsr-3378	3	4	and	and	CCONJ
fsr-3378	3	5	outcomes	outcome	NOUN
fsr-3378	3	6	of	of	ADP
fsr-3378	3	7	disputes	dispute	NOUN
fsr-3378	3	8	depend	depend	VERB
fsr-3378	3	9	primarily	primarily	ADV
fsr-3378	3	10	on	on	ADP
fsr-3378	3	11	the	the	DET
fsr-3378	3	12	credit	credit	NOUN
fsr-3378	3	13	record	record	NOUN
fsr-3378	3	14	itself	itself	PRON
fsr-3378	3	15	.	.	PUNCT
fsr-3378	4	1	consumers	consumer	NOUN
fsr-3378	4	2	with	with	ADP
fsr-3378	4	3	moderate	moderate	ADJ
fsr-3378	4	4	credit	credit	NOUN
fsr-3378	4	5	scores	score	NOUN
fsr-3378	4	6	are	be	AUX
fsr-3378	4	7	more	more	ADV
fsr-3378	4	8	likely	likely	ADJ
fsr-3378	4	9	than	than	ADP
fsr-3378	4	10	those	those	PRON
fsr-3378	4	11	with	with	ADP
fsr-3378	4	12	very	very	ADV
fsr-3378	4	13	high	high	ADJ
fsr-3378	4	14	or	or	CCONJ
fsr-3378	4	15	low	low	ADJ
fsr-3378	4	16	scores	score	NOUN
fsr-3378	4	17	to	to	PART
fsr-3378	4	18	see	see	VERB
fsr-3378	4	19	significant	significant	ADJ
fsr-3378	4	20	improvement	improvement	NOUN
fsr-3378	4	21	in	in	ADP
fsr-3378	4	22	their	their	PRON
fsr-3378	4	23	records	record	NOUN
fsr-3378	4	24	when	when	SCONJ
fsr-3378	4	25	errors	error	NOUN
fsr-3378	4	26	are	be	AUX
fsr-3378	4	27	corrected	correct	VERB
fsr-3378	4	28	.	.	PUNCT
fsr-3378	5	1	©	©	PROPN
fsr-3378	5	2	2018	2018	NUM
fsr-3378	5	3	academy	academy	NOUN
fsr-3378	5	4	of	of	ADP
fsr-3378	5	5	financial	financial	ADJ
fsr-3378	5	6	services	service	NOUN
fsr-3378	5	7	.	.	PUNCT
fsr-3378	6	1	all	all	DET
fsr-3378	6	2	rights	right	NOUN
fsr-3378	6	3	reserved	reserve	VERB
fsr-3378	6	4	.	.	PUNCT
fsr-3378	7	1	jel	jel	PROPN
fsr-3378	7	2	classification	classification	NOUN
fsr-3378	7	3	:	:	PUNCT
fsr-3378	7	4	d1	d1	NOUN
fsr-3378	7	5	;	;	PUNCT
fsr-3378	7	6	d3	d3	PROPN
fsr-3378	7	7	;	;	PUNCT
fsr-3378	7	8	g2	g2	PROPN
fsr-3378	7	9	keywords	keyword	NOUN
fsr-3378	7	10	:	:	PUNCT
fsr-3378	7	11	credit	credit	NOUN
fsr-3378	7	12	;	;	PUNCT
fsr-3378	7	13	credit	credit	NOUN
fsr-3378	7	14	scores	score	NOUN
fsr-3378	7	15	;	;	PUNCT
fsr-3378	7	16	household	household	NOUN
fsr-3378	7	17	behavior	behavior	NOUN
fsr-3378	7	18	;	;	PUNCT
fsr-3378	7	19	individual	individual	ADJ
fsr-3378	7	20	financial	financial	ADJ
fsr-3378	7	21	management	management	NOUN
fsr-3378	7	22	*	*	PUNCT
fsr-3378	7	23	corresponding	correspond	VERB
fsr-3378	7	24	author	author	NOUN
fsr-3378	7	25	.	.	PUNCT
fsr-3378	8	1	tel	tel	PROPN
fsr-3378	8	2	.	.	PUNCT
fsr-3378	8	3	:	:	PUNCT
fsr-3378	9	1	�	�	PROPN
fsr-3378	9	2	1	1	NUM
fsr-3378	9	3	-	-	SYM
fsr-3378	9	4	314	314	NUM
fsr-3378	9	5	-	-	PUNCT
fsr-3378	9	6	516	516	NUM
fsr-3378	9	7	-	-	SYM
fsr-3378	9	8	6108	6108	NUM
fsr-3378	9	9	;	;	PUNCT
fsr-3378	9	10	fax	fax	NOUN
fsr-3378	9	11	:	:	PUNCT
fsr-3378	9	12	�	�	PROPN
fsr-3378	9	13	1	1	NUM
fsr-3378	9	14	-	-	SYM
fsr-3378	9	15	314	314	NUM
fsr-3378	9	16	-	-	PUNCT
fsr-3378	9	17	516	516	NUM
fsr-3378	9	18	-	-	PUNCT
fsr-3378	9	19	7201	7201	NUM
fsr-3378	9	20	.	.	PUNCT
fsr-3378	10	1	e	e	X
fsr-3378	10	2	-	-	NOUN
fsr-3378	10	3	mail	mail	NOUN
fsr-3378	10	4	address	address	NOUN
fsr-3378	10	5	:	:	PUNCT
fsr-3378	10	6	nldsmith@umsl.edu	nldsmith@umsl.edu	PROPN
fsr-3378	10	7	(	(	PUNCT
fsr-3378	10	8	l.d	l.d	PROPN
fsr-3378	10	9	.	.	PROPN
fsr-3378	10	10	smith	smith	PROPN
fsr-3378	10	11	)	)	PUNCT
fsr-3378	10	12	financial	financial	ADJ
fsr-3378	10	13	services	service	NOUN
fsr-3378	10	14	review	review	VERB
fsr-3378	10	15	27	27	NUM
fsr-3378	10	16	(	(	PUNCT
fsr-3378	10	17	2018	2018	NUM
fsr-3378	10	18	)	)	PUNCT
fsr-3378	10	19	1	1	NUM
fsr-3378	10	20	-	-	SYM
fsr-3378	10	21	28	28	NUM
fsr-3378	10	22	1057	1057	NUM
fsr-3378	10	23	-	-	SYM
fsr-3378	10	24	0810/18/$	0810/18/$	NUM
fsr-3378	10	25	–	–	PUNCT
fsr-3378	10	26	see	see	VERB
fsr-3378	10	27	front	front	ADJ
fsr-3378	10	28	matter	matter	NOUN
fsr-3378	10	29	©	©	PROPN
fsr-3378	10	30	2018	2018	NUM
fsr-3378	10	31	academy	academy	NOUN
fsr-3378	10	32	of	of	ADP
fsr-3378	10	33	financial	financial	ADJ
fsr-3378	10	34	services	service	NOUN
fsr-3378	10	35	.	.	PUNCT
fsr-3378	11	1	all	all	DET
fsr-3378	11	2	rights	right	NOUN
fsr-3378	11	3	reserved	reserve	VERB
fsr-3378	11	4	.	.	PUNCT
fsr-3378	12	1	1	1	X
fsr-3378	12	2	.	.	X
fsr-3378	12	3	introduction	introduction	NOUN
fsr-3378	12	4	the	the	DET
fsr-3378	12	5	credit	credit	NOUN
fsr-3378	12	6	-	-	PUNCT
fsr-3378	12	7	driven	drive	VERB
fsr-3378	12	8	consumer	consumer	NOUN
fsr-3378	12	9	economy	economy	NOUN
fsr-3378	12	10	in	in	ADP
fsr-3378	12	11	the	the	DET
fsr-3378	12	12	united	united	PROPN
fsr-3378	12	13	states	states	PROPN
fsr-3378	12	14	is	be	AUX
fsr-3378	12	15	supported	support	VERB
fsr-3378	12	16	by	by	ADP
fsr-3378	12	17	a	a	DET
fsr-3378	12	18	reporting	reporting	NOUN
fsr-3378	12	19	and	and	CCONJ
fsr-3378	12	20	regulatory	regulatory	ADJ
fsr-3378	12	21	system	system	NOUN
fsr-3378	12	22	that	that	PRON
fsr-3378	12	23	involves	involve	VERB
fsr-3378	12	24	multiple	multiple	ADJ
fsr-3378	12	25	parties	party	NOUN
fsr-3378	12	26	.	.	PUNCT
fsr-3378	13	1	in	in	ADP
fsr-3378	13	2	addition	addition	NOUN
fsr-3378	13	3	to	to	ADP
fsr-3378	13	4	the	the	DET
fsr-3378	13	5	seller	seller	NOUN
fsr-3378	13	6	and	and	CCONJ
fsr-3378	13	7	the	the	DET
fsr-3378	13	8	buyer	buyer	NOUN
fsr-3378	13	9	of	of	ADP
fsr-3378	13	10	property	property	NOUN
fsr-3378	13	11	,	,	PUNCT
fsr-3378	13	12	goods	good	NOUN
fsr-3378	13	13	,	,	PUNCT
fsr-3378	13	14	or	or	CCONJ
fsr-3378	13	15	services	service	NOUN
fsr-3378	13	16	,	,	PUNCT
fsr-3378	13	17	third	third	ADJ
fsr-3378	13	18	parties	party	NOUN
fsr-3378	13	19	are	be	AUX
fsr-3378	13	20	typically	typically	ADV
fsr-3378	13	21	engaged	engage	VERB
fsr-3378	13	22	in	in	ADP
fsr-3378	13	23	financing	finance	VERB
fsr-3378	13	24	the	the	DET
fsr-3378	13	25	transaction	transaction	NOUN
fsr-3378	13	26	,	,	PUNCT
fsr-3378	13	27	servicing	service	VERB
fsr-3378	13	28	the	the	DET
fsr-3378	13	29	loan	loan	NOUN
fsr-3378	13	30	,	,	PUNCT
fsr-3378	13	31	collecting	collect	VERB
fsr-3378	13	32	debt	debt	NOUN
fsr-3378	13	33	,	,	PUNCT
fsr-3378	13	34	and	and	CCONJ
fsr-3378	13	35	disseminating	disseminate	VERB
fsr-3378	13	36	related	related	ADJ
fsr-3378	13	37	information	information	NOUN
fsr-3378	13	38	.	.	PUNCT
fsr-3378	14	1	to	to	PART
fsr-3378	14	2	support	support	VERB
fsr-3378	14	3	this	this	DET
fsr-3378	14	4	system	system	NOUN
fsr-3378	14	5	,	,	PUNCT
fsr-3378	14	6	the	the	DET
fsr-3378	14	7	three	three	NUM
fsr-3378	14	8	major	major	ADJ
fsr-3378	14	9	credit	credit	NOUN
fsr-3378	14	10	bureaus	bureaus	NOUN
fsr-3378	14	11	in	in	ADP
fsr-3378	14	12	the	the	DET
fsr-3378	14	13	united	united	PROPN
fsr-3378	14	14	states	states	PROPN
fsr-3378	14	15	(	(	PUNCT
fsr-3378	14	16	equifax	equifax	NOUN
fsr-3378	14	17	,	,	PUNCT
fsr-3378	14	18	experian	experian	ADJ
fsr-3378	14	19	,	,	PUNCT
fsr-3378	14	20	and	and	CCONJ
fsr-3378	14	21	transunion	transunion	NOUN
fsr-3378	14	22	)	)	PUNCT
fsr-3378	14	23	maintain	maintain	VERB
fsr-3378	14	24	credit	credit	NOUN
fsr-3378	14	25	histories	history	NOUN
fsr-3378	14	26	on	on	ADP
fsr-3378	14	27	approximately	approximately	ADV
fsr-3378	14	28	200	200	NUM
fsr-3378	14	29	million	million	NUM
fsr-3378	14	30	consumers	consumer	NOUN
fsr-3378	14	31	and	and	CCONJ
fsr-3378	14	32	process	process	VERB
fsr-3378	14	33	nearly	nearly	ADV
fsr-3378	14	34	two	two	NUM
fsr-3378	14	35	billion	billion	NUM
fsr-3378	14	36	items	item	NOUN
fsr-3378	14	37	of	of	ADP
fsr-3378	14	38	information	information	NOUN
fsr-3378	14	39	each	each	DET
fsr-3378	14	40	month	month	NOUN
fsr-3378	14	41	(	(	PUNCT
fsr-3378	14	42	avery	avery	NOUN
fsr-3378	14	43	,	,	PUNCT
fsr-3378	14	44	calem	calem	NOUN
fsr-3378	14	45	,	,	PUNCT
fsr-3378	14	46	canner	canner	NOUN
fsr-3378	14	47	,	,	PUNCT
fsr-3378	14	48	and	and	CCONJ
fsr-3378	14	49	bostic	bostic	PROPN
fsr-3378	14	50	,	,	PUNCT
fsr-3378	14	51	2003	2003	NUM
fsr-3378	14	52	)	)	PUNCT
fsr-3378	14	53	from	from	ADP
fsr-3378	14	54	data	datum	NOUN
fsr-3378	14	55	furnishers	furnisher	NOUN
fsr-3378	14	56	(	(	PUNCT
fsr-3378	14	57	credit	credit	NOUN
fsr-3378	14	58	card	card	NOUN
fsr-3378	14	59	companies	company	NOUN
fsr-3378	14	60	,	,	PUNCT
fsr-3378	14	61	mortgage	mortgage	NOUN
fsr-3378	14	62	servicers	servicer	NOUN
fsr-3378	14	63	,	,	PUNCT
fsr-3378	14	64	debt	debt	NOUN
fsr-3378	14	65	collectors	collector	NOUN
fsr-3378	14	66	,	,	PUNCT
fsr-3378	14	67	etc	etc	X
fsr-3378	14	68	.	.	X
fsr-3378	14	69	)	)	PUNCT
fsr-3378	14	70	.	.	PUNCT
fsr-3378	15	1	the	the	DET
fsr-3378	15	2	result	result	NOUN
fsr-3378	15	3	is	be	AUX
fsr-3378	15	4	a	a	DET
fsr-3378	15	5	set	set	NOUN
fsr-3378	15	6	of	of	ADP
fsr-3378	15	7	extremely	extremely	ADV
fsr-3378	15	8	comprehensive	comprehensive	ADJ
fsr-3378	15	9	files	file	NOUN
fsr-3378	15	10	that	that	PRON
fsr-3378	15	11	reveal	reveal	VERB
fsr-3378	15	12	the	the	DET
fsr-3378	15	13	ways	way	NOUN
fsr-3378	15	14	that	that	PRON
fsr-3378	15	15	u.s	u.s	PROPN
fsr-3378	15	16	.	.	PROPN
fsr-3378	15	17	consumers	consumer	NOUN
fsr-3378	15	18	use	use	VERB
fsr-3378	15	19	credit	credit	NOUN
fsr-3378	15	20	and	and	CCONJ
fsr-3378	15	21	meet	meet	VERB
fsr-3378	15	22	their	their	PRON
fsr-3378	15	23	financial	financial	ADJ
fsr-3378	15	24	obligations	obligation	NOUN
fsr-3378	15	25	.	.	PUNCT
fsr-3378	16	1	credit	credit	NOUN
fsr-3378	16	2	scores	score	NOUN
fsr-3378	16	3	based	base	VERB
fsr-3378	16	4	on	on	ADP
fsr-3378	16	5	this	this	DET
fsr-3378	16	6	information	information	NOUN
fsr-3378	16	7	are	be	AUX
fsr-3378	16	8	used	use	VERB
fsr-3378	16	9	to	to	PART
fsr-3378	16	10	facilitate	facilitate	VERB
fsr-3378	16	11	decisions	decision	NOUN
fsr-3378	16	12	in	in	ADP
fsr-3378	16	13	lending	lending	NOUN
fsr-3378	16	14	and	and	CCONJ
fsr-3378	16	15	other	other	ADJ
fsr-3378	16	16	financial	financial	ADJ
fsr-3378	16	17	transactions	transaction	NOUN
fsr-3378	16	18	.	.	PUNCT
fsr-3378	17	1	accurate	accurate	ADJ
fsr-3378	17	2	credit	credit	NOUN
fsr-3378	17	3	-	-	PUNCT
fsr-3378	17	4	bureau	bureau	NOUN
fsr-3378	17	5	data	datum	NOUN
fsr-3378	17	6	can	can	AUX
fsr-3378	17	7	help	help	VERB
fsr-3378	17	8	in	in	ADP
fsr-3378	17	9	properly	properly	ADV
fsr-3378	17	10	assessing	assess	VERB
fsr-3378	17	11	credit	credit	NOUN
fsr-3378	17	12	risk	risk	NOUN
fsr-3378	17	13	and	and	CCONJ
fsr-3378	17	14	commensurately	commensurately	ADV
fsr-3378	17	15	pricing	price	VERB
fsr-3378	17	16	credit	credit	NOUN
fsr-3378	17	17	,	,	PUNCT
fsr-3378	17	18	but	but	CCONJ
fsr-3378	17	19	individuals	individual	NOUN
fsr-3378	17	20	with	with	ADP
fsr-3378	17	21	errors	error	NOUN
fsr-3378	17	22	in	in	ADP
fsr-3378	17	23	their	their	PRON
fsr-3378	17	24	credit	credit	NOUN
fsr-3378	17	25	files	file	NOUN
fsr-3378	17	26	can	can	AUX
fsr-3378	17	27	suffer	suffer	VERB
fsr-3378	17	28	unreasonable	unreasonable	ADJ
fsr-3378	17	29	denials	denial	NOUN
fsr-3378	17	30	of	of	ADP
fsr-3378	17	31	credit	credit	NOUN
fsr-3378	17	32	,	,	PUNCT
fsr-3378	17	33	inflated	inflate	VERB
fsr-3378	17	34	borrowing	borrowing	NOUN
fsr-3378	17	35	costs	cost	NOUN
fsr-3378	17	36	,	,	PUNCT
fsr-3378	17	37	higher	high	ADJ
fsr-3378	17	38	cost	cost	NOUN
fsr-3378	17	39	for	for	ADP
fsr-3378	17	40	insurance	insurance	NOUN
fsr-3378	17	41	,	,	PUNCT
fsr-3378	17	42	inability	inability	NOUN
fsr-3378	17	43	to	to	PART
fsr-3378	17	44	rent	rent	VERB
fsr-3378	17	45	a	a	DET
fsr-3378	17	46	home	home	NOUN
fsr-3378	17	47	or	or	CCONJ
fsr-3378	17	48	even	even	ADV
fsr-3378	17	49	denial	denial	NOUN
fsr-3378	17	50	of	of	ADP
fsr-3378	17	51	employment	employment	NOUN
fsr-3378	17	52	.	.	PUNCT
fsr-3378	18	1	in	in	ADP
fsr-3378	18	2	short	short	ADJ
fsr-3378	18	3	,	,	PUNCT
fsr-3378	18	4	credit	credit	NOUN
fsr-3378	18	5	-	-	PUNCT
fsr-3378	18	6	bureau	bureau	NOUN
fsr-3378	18	7	records	record	NOUN
fsr-3378	18	8	provide	provide	VERB
fsr-3378	18	9	what	what	PRON
fsr-3378	18	10	appears	appear	VERB
fsr-3378	18	11	to	to	PART
fsr-3378	18	12	be	be	AUX
fsr-3378	18	13	microscopic	microscopic	ADJ
fsr-3378	18	14	historic	historic	ADJ
fsr-3378	18	15	detail	detail	NOUN
fsr-3378	18	16	on	on	ADP
fsr-3378	18	17	individuals	individual	NOUN
fsr-3378	18	18	’	'	PUNCT
fsr-3378	18	19	use	use	NOUN
fsr-3378	18	20	and	and	CCONJ
fsr-3378	18	21	management	management	NOUN
fsr-3378	18	22	of	of	ADP
fsr-3378	18	23	credit	credit	NOUN
fsr-3378	18	24	.	.	PUNCT
fsr-3378	19	1	credit	credit	NOUN
fsr-3378	19	2	scores	score	NOUN
fsr-3378	19	3	determined	determine	VERB
fsr-3378	19	4	from	from	ADP
fsr-3378	19	5	the	the	DET
fsr-3378	19	6	credit	credit	NOUN
fsr-3378	19	7	-	-	PUNCT
fsr-3378	19	8	bureau	bureau	NOUN
fsr-3378	19	9	data	datum	NOUN
fsr-3378	19	10	can	can	AUX
fsr-3378	19	11	greatly	greatly	ADV
fsr-3378	19	12	affect	affect	VERB
fsr-3378	19	13	individuals	individual	NOUN
fsr-3378	19	14	’	'	PUNCT
fsr-3378	19	15	future	future	ADJ
fsr-3378	19	16	economic	economic	ADJ
fsr-3378	19	17	and	and	CCONJ
fsr-3378	19	18	personal	personal	ADJ
fsr-3378	19	19	experience	experience	NOUN
fsr-3378	19	20	.	.	PUNCT
fsr-3378	20	1	systems	system	NOUN
fsr-3378	20	2	for	for	ADP
fsr-3378	20	3	collecting	collect	VERB
fsr-3378	20	4	,	,	PUNCT
fsr-3378	20	5	maintaining	maintain	VERB
fsr-3378	20	6	,	,	PUNCT
fsr-3378	20	7	verifying	verifying	NOUN
fsr-3378	20	8	,	,	PUNCT
fsr-3378	20	9	correcting	correct	VERB
fsr-3378	20	10	,	,	PUNCT
fsr-3378	20	11	and	and	CCONJ
fsr-3378	20	12	disseminating	disseminate	VERB
fsr-3378	20	13	data	datum	NOUN
fsr-3378	20	14	are	be	AUX
fsr-3378	20	15	,	,	PUNCT
fsr-3378	20	16	therefore	therefore	ADV
fsr-3378	20	17	,	,	PUNCT
fsr-3378	20	18	subject	subject	ADJ
fsr-3378	20	19	to	to	ADP
fsr-3378	20	20	constant	constant	ADJ
fsr-3378	20	21	scrutiny	scrutiny	NOUN
fsr-3378	20	22	.	.	PUNCT
fsr-3378	21	1	the	the	DET
fsr-3378	21	2	fair	fair	ADJ
fsr-3378	21	3	credit	credit	NOUN
fsr-3378	21	4	reporting	reporting	NOUN
fsr-3378	21	5	act	act	NOUN
fsr-3378	21	6	(	(	PUNCT
fsr-3378	21	7	fcra	fcra	NOUN
fsr-3378	21	8	1970	1970	NUM
fsr-3378	21	9	)	)	PUNCT
fsr-3378	21	10	established	establish	VERB
fsr-3378	21	11	regulatory	regulatory	ADJ
fsr-3378	21	12	guidelines	guideline	NOUN
fsr-3378	21	13	and	and	CCONJ
fsr-3378	21	14	a	a	DET
fsr-3378	21	15	legal	legal	ADJ
fsr-3378	21	16	framework	framework	NOUN
fsr-3378	21	17	for	for	ADP
fsr-3378	21	18	the	the	DET
fsr-3378	21	19	credit	credit	NOUN
fsr-3378	21	20	-	-	PUNCT
fsr-3378	21	21	reporting	report	VERB
fsr-3378	21	22	industry	industry	NOUN
fsr-3378	21	23	in	in	ADP
fsr-3378	21	24	the	the	DET
fsr-3378	21	25	united	united	PROPN
fsr-3378	21	26	states	states	PROPN
fsr-3378	21	27	.	.	PUNCT
fsr-3378	22	1	it	it	PRON
fsr-3378	22	2	was	be	AUX
fsr-3378	22	3	amended	amend	VERB
fsr-3378	22	4	in	in	ADP
fsr-3378	22	5	1996	1996	NUM
fsr-3378	22	6	to	to	PART
fsr-3378	22	7	include	include	VERB
fsr-3378	22	8	processes	process	NOUN
fsr-3378	22	9	designed	design	VERB
fsr-3378	22	10	to	to	PART
fsr-3378	22	11	improve	improve	VERB
fsr-3378	22	12	accuracy	accuracy	NOUN
fsr-3378	22	13	of	of	ADP
fsr-3378	22	14	data	datum	NOUN
fsr-3378	22	15	and	and	CCONJ
fsr-3378	22	16	to	to	PART
fsr-3378	22	17	designate	designate	ADJ
fsr-3378	22	18	responsibilities	responsibility	NOUN
fsr-3378	22	19	of	of	ADP
fsr-3378	22	20	the	the	DET
fsr-3378	22	21	credit	credit	NOUN
fsr-3378	22	22	bureaus	bureaus	PROPN
fsr-3378	22	23	and	and	CCONJ
fsr-3378	22	24	data	datum	NOUN
fsr-3378	22	25	furnishers	furnisher	NOUN
fsr-3378	22	26	when	when	SCONJ
fsr-3378	22	27	confronted	confront	VERB
fsr-3378	22	28	with	with	ADP
fsr-3378	22	29	consumer	consumer	NOUN
fsr-3378	22	30	claims	claim	NOUN
fsr-3378	22	31	that	that	SCONJ
fsr-3378	22	32	their	their	PRON
fsr-3378	22	33	data	datum	NOUN
fsr-3378	22	34	are	be	AUX
fsr-3378	22	35	inaccurate	inaccurate	ADJ
fsr-3378	22	36	.	.	PUNCT
fsr-3378	23	1	in	in	ADP
fsr-3378	23	2	2003	2003	NUM
fsr-3378	23	3	,	,	PUNCT
fsr-3378	23	4	the	the	DET
fsr-3378	23	5	fair	fair	ADJ
fsr-3378	23	6	and	and	CCONJ
fsr-3378	23	7	accurate	accurate	ADJ
fsr-3378	23	8	credit	credit	NOUN
fsr-3378	23	9	transactions	transaction	NOUN
fsr-3378	23	10	(	(	PUNCT
fsr-3378	23	11	“	"	PUNCT
fsr-3378	23	12	fact	fact	NOUN
fsr-3378	23	13	”	"	PUNCT
fsr-3378	23	14	;	;	PUNCT
fsr-3378	23	15	fair	fair	ADJ
fsr-3378	23	16	and	and	CCONJ
fsr-3378	23	17	accurate	accurate	ADJ
fsr-3378	23	18	credit	credit	NOUN
fsr-3378	23	19	transactions	transaction	NOUN
fsr-3378	23	20	act	act	PROPN
fsr-3378	23	21	,	,	PUNCT
fsr-3378	23	22	2003	2003	NUM
fsr-3378	23	23	)	)	PUNCT
fsr-3378	23	24	act	act	NOUN
fsr-3378	23	25	imposed	impose	VERB
fsr-3378	23	26	further	further	ADJ
fsr-3378	23	27	reinvestigation	reinvestigation	NOUN
fsr-3378	23	28	duties	duty	NOUN
fsr-3378	23	29	on	on	ADP
fsr-3378	23	30	data	datum	NOUN
fsr-3378	23	31	furnishers.1	furnishers.1	PROPN
fsr-3378	23	32	staten	staten	PROPN
fsr-3378	23	33	and	and	CCONJ
fsr-3378	23	34	cate	cate	PROPN
fsr-3378	23	35	(	(	PUNCT
fsr-3378	23	36	2004	2004	NUM
fsr-3378	23	37	)	)	PUNCT
fsr-3378	23	38	describe	describe	VERB
fsr-3378	23	39	the	the	DET
fsr-3378	23	40	fcra	fcra	NOUN
fsr-3378	23	41	and	and	CCONJ
fsr-3378	23	42	its	its	PRON
fsr-3378	23	43	subsequent	subsequent	ADJ
fsr-3378	23	44	amendments	amendment	NOUN
fsr-3378	23	45	as	as	ADP
fsr-3378	23	46	taking	take	VERB
fsr-3378	23	47	the	the	DET
fsr-3378	23	48	“	"	PUNCT
fsr-3378	23	49	remedial	remedial	ADJ
fsr-3378	23	50	approach	approach	NOUN
fsr-3378	23	51	”	"	PUNCT
fsr-3378	23	52	to	to	ADP
fsr-3378	23	53	regulation	regulation	NOUN
fsr-3378	23	54	,	,	PUNCT
fsr-3378	23	55	whereby	whereby	SCONJ
fsr-3378	23	56	the	the	DET
fsr-3378	23	57	regulating	regulating	NOUN
fsr-3378	23	58	authority	authority	NOUN
fsr-3378	23	59	“	"	PUNCT
fsr-3378	23	60	.	.	PUNCT
fsr-3378	23	61	.	.	PUNCT
fsr-3378	23	62	.	.	PUNCT
fsr-3378	24	1	designates	designate	VERB
fsr-3378	24	2	the	the	DET
fsr-3378	24	3	consumer	consumer	NOUN
fsr-3378	24	4	as	as	ADP
fsr-3378	24	5	the	the	DET
fsr-3378	24	6	‘	'	PUNCT
fsr-3378	24	7	quality	quality	NOUN
fsr-3378	24	8	-	-	PUNCT
fsr-3378	24	9	control	control	NOUN
fsr-3378	24	10	’	'	PUNCT
fsr-3378	24	11	inspector	inspector	NOUN
fsr-3378	24	12	.	.	PUNCT
fsr-3378	24	13	.	.	PUNCT
fsr-3378	25	1	.	.	PUNCT
fsr-3378	26	1	and	and	CCONJ
fsr-3378	26	2	places	place	VERB
fsr-3378	26	3	the	the	DET
fsr-3378	26	4	responsibility	responsibility	NOUN
fsr-3378	26	5	for	for	ADP
fsr-3378	26	6	monitoring	monitor	VERB
fsr-3378	26	7	file	file	NOUN
fsr-3378	26	8	accuracy	accuracy	NOUN
fsr-3378	26	9	on	on	ADP
fsr-3378	26	10	the	the	DET
fsr-3378	26	11	party	party	NOUN
fsr-3378	26	12	who	who	PRON
fsr-3378	26	13	can	can	AUX
fsr-3378	26	14	determine	determine	VERB
fsr-3378	26	15	accuracy	accuracy	NOUN
fsr-3378	26	16	at	at	ADP
fsr-3378	26	17	the	the	DET
fsr-3378	26	18	lowest	low	ADJ
fsr-3378	26	19	cost	cost	NOUN
fsr-3378	26	20	.	.	PUNCT
fsr-3378	26	21	”	"	PUNCT
fsr-3378	27	1	unfortunately	unfortunately	ADV
fsr-3378	27	2	,	,	PUNCT
fsr-3378	27	3	it	it	PRON
fsr-3378	27	4	is	be	AUX
fsr-3378	27	5	not	not	PART
fsr-3378	27	6	evident	evident	ADJ
fsr-3378	27	7	that	that	SCONJ
fsr-3378	27	8	most	most	ADJ
fsr-3378	27	9	consumers	consumer	NOUN
fsr-3378	27	10	review	review	VERB
fsr-3378	27	11	their	their	PRON
fsr-3378	27	12	credit	credit	NOUN
fsr-3378	27	13	files	file	NOUN
fsr-3378	27	14	and	and	CCONJ
fsr-3378	27	15	take	take	VERB
fsr-3378	27	16	actions	action	NOUN
fsr-3378	27	17	to	to	PART
fsr-3378	27	18	get	get	VERB
fsr-3378	27	19	errors	error	NOUN
fsr-3378	27	20	corrected	correct	VERB
fsr-3378	27	21	.	.	PUNCT
fsr-3378	28	1	lyons	lyons	PROPN
fsr-3378	28	2	,	,	PUNCT
fsr-3378	28	3	rachlis	rachli	NOUN
fsr-3378	28	4	,	,	PUNCT
fsr-3378	28	5	and	and	CCONJ
fsr-3378	28	6	scherpf	scherpf	NOUN
fsr-3378	28	7	(	(	PUNCT
fsr-3378	28	8	2007	2007	NUM
fsr-3378	28	9	)	)	PUNCT
fsr-3378	28	10	report	report	NOUN
fsr-3378	28	11	that	that	SCONJ
fsr-3378	28	12	many	many	ADJ
fsr-3378	28	13	consumers	consumer	NOUN
fsr-3378	28	14	“	"	PUNCT
fsr-3378	28	15	.	.	PUNCT
fsr-3378	28	16	.	.	PUNCT
fsr-3378	28	17	.	.	PUNCT
fsr-3378	29	1	still	still	ADV
fsr-3378	29	2	lack	lack	VERB
fsr-3378	29	3	specific	specific	ADJ
fsr-3378	29	4	knowledge	knowledge	NOUN
fsr-3378	29	5	about	about	ADP
fsr-3378	29	6	what	what	PRON
fsr-3378	29	7	information	information	NOUN
fsr-3378	29	8	is	be	AUX
fsr-3378	29	9	contained	contain	VERB
fsr-3378	29	10	in	in	ADP
fsr-3378	29	11	credit	credit	NOUN
fsr-3378	29	12	reports	report	NOUN
fsr-3378	29	13	,	,	PUNCT
fsr-3378	29	14	how	how	SCONJ
fsr-3378	29	15	to	to	PART
fsr-3378	29	16	dispute	dispute	VERB
fsr-3378	29	17	errors	error	NOUN
fsr-3378	29	18	,	,	PUNCT
fsr-3378	29	19	and	and	CCONJ
fsr-3378	29	20	the	the	DET
fsr-3378	29	21	possible	possible	ADJ
fsr-3378	29	22	impact	impact	NOUN
fsr-3378	29	23	of	of	ADP
fsr-3378	29	24	their	their	PRON
fsr-3378	29	25	credit	credit	NOUN
fsr-3378	29	26	history	history	NOUN
fsr-3378	29	27	on	on	ADP
fsr-3378	29	28	such	such	ADJ
fsr-3378	29	29	factors	factor	NOUN
fsr-3378	29	30	as	as	ADP
fsr-3378	29	31	insurance	insurance	NOUN
fsr-3378	29	32	premiums	premium	NOUN
fsr-3378	29	33	and	and	CCONJ
fsr-3378	29	34	employment	employment	NOUN
fsr-3378	29	35	.	.	PUNCT
fsr-3378	29	36	”	"	PUNCT
fsr-3378	30	1	in	in	ADP
fsr-3378	30	2	2012	2012	NUM
fsr-3378	30	3	,	,	PUNCT
fsr-3378	30	4	a	a	DET
fsr-3378	30	5	national	national	ADJ
fsr-3378	30	6	consumer	consumer	NOUN
fsr-3378	30	7	poll	poll	NOUN
fsr-3378	30	8	for	for	ADP
fsr-3378	30	9	the	the	DET
fsr-3378	30	10	national	national	PROPN
fsr-3378	30	11	foundation	foundation	PROPN
fsr-3378	30	12	for	for	ADP
fsr-3378	30	13	credit	credit	NOUN
fsr-3378	30	14	counseling	counseling	NOUN
fsr-3378	30	15	(	(	PUNCT
fsr-3378	30	16	nfcc	nfcc	NOUN
fsr-3378	30	17	2012	2012	NUM
fsr-3378	30	18	)	)	PUNCT
fsr-3378	30	19	found	find	VERB
fsr-3378	30	20	that	that	SCONJ
fsr-3378	30	21	just	just	ADV
fsr-3378	30	22	38	38	NUM
fsr-3378	30	23	%	%	NOUN
fsr-3378	30	24	of	of	ADP
fsr-3378	30	25	respondents	respondent	NOUN
fsr-3378	30	26	had	have	AUX
fsr-3378	30	27	reviewed	review	VERB
fsr-3378	30	28	their	their	PRON
fsr-3378	30	29	credit	credit	NOUN
fsr-3378	30	30	reports	report	NOUN
fsr-3378	30	31	within	within	ADP
fsr-3378	30	32	the	the	DET
fsr-3378	30	33	previous	previous	ADJ
fsr-3378	30	34	12	12	NUM
fsr-3378	30	35	months	month	NOUN
fsr-3378	30	36	despite	despite	SCONJ
fsr-3378	30	37	the	the	DET
fsr-3378	30	38	fact	fact	NOUN
fsr-3378	30	39	that	that	SCONJ
fsr-3378	30	40	the	the	DET
fsr-3378	30	41	federal	federal	PROPN
fsr-3378	30	42	trade	trade	PROPN
fsr-3378	30	43	commission	commission	PROPN
fsr-3378	30	44	(	(	PUNCT
fsr-3378	30	45	ftc	ftc	PROPN
fsr-3378	30	46	)	)	PUNCT
fsr-3378	30	47	publicizes	publicize	VERB
fsr-3378	30	48	the	the	DET
fsr-3378	30	49	annual	annual	ADJ
fsr-3378	30	50	availability	availability	NOUN
fsr-3378	30	51	of	of	ADP
fsr-3378	30	52	free	free	ADJ
fsr-3378	30	53	credit	credit	NOUN
fsr-3378	30	54	reports	report	NOUN
fsr-3378	30	55	from	from	ADP
fsr-3378	30	56	the	the	DET
fsr-3378	30	57	web	web	NOUN
fsr-3378	30	58	site	site	NOUN
fsr-3378	30	59	https://www.annualcreditreport	https://www.annualcreditreport	PROPN
fsr-3378	30	60	.	.	PUNCT
fsr-3378	30	61	com	com	PROPN
fsr-3378	30	62	.	.	PUNCT
fsr-3378	31	1	an	an	DET
fsr-3378	31	2	understanding	understanding	NOUN
fsr-3378	31	3	of	of	ADP
fsr-3378	31	4	consumer	consumer	NOUN
fsr-3378	31	5	use	use	NOUN
fsr-3378	31	6	of	of	ADP
fsr-3378	31	7	credit	credit	NOUN
fsr-3378	31	8	and	and	CCONJ
fsr-3378	31	9	the	the	DET
fsr-3378	31	10	effects	effect	NOUN
fsr-3378	31	11	of	of	ADP
fsr-3378	31	12	industry	industry	NOUN
fsr-3378	31	13	and	and	CCONJ
fsr-3378	31	14	regulatory	regulatory	ADJ
fsr-3378	31	15	practice	practice	NOUN
fsr-3378	31	16	on	on	ADP
fsr-3378	31	17	individual	individual	ADJ
fsr-3378	31	18	consumers	consumer	NOUN
fsr-3378	31	19	is	be	AUX
fsr-3378	31	20	important	important	ADJ
fsr-3378	31	21	,	,	PUNCT
fsr-3378	31	22	as	as	SCONJ
fsr-3378	31	23	imposition	imposition	NOUN
fsr-3378	31	24	of	of	ADP
fsr-3378	31	25	regulations	regulation	NOUN
fsr-3378	31	26	to	to	PART
fsr-3378	31	27	protect	protect	VERB
fsr-3378	31	28	consumers	consumer	NOUN
fsr-3378	31	29	can	can	AUX
fsr-3378	31	30	be	be	AUX
fsr-3378	31	31	very	very	ADV
fsr-3378	31	32	costly	costly	ADJ
fsr-3378	31	33	and	and	CCONJ
fsr-3378	31	34	have	have	VERB
fsr-3378	31	35	disproportionate	disproportionate	ADJ
fsr-3378	31	36	effects	effect	NOUN
fsr-3378	31	37	on	on	ADP
fsr-3378	31	38	small	small	ADJ
fsr-3378	31	39	financial	financial	ADJ
fsr-3378	31	40	institutions	institution	NOUN
fsr-3378	31	41	(	(	PUNCT
fsr-3378	31	42	elliehausen	elliehausen	NOUN
fsr-3378	31	43	and	and	CCONJ
fsr-3378	31	44	lowrey	lowrey	PROPN
fsr-3378	31	45	,	,	PUNCT
fsr-3378	31	46	2000	2000	NUM
fsr-3378	31	47	)	)	PUNCT
fsr-3378	31	48	.	.	PUNCT
fsr-3378	32	1	2	2	NUM
fsr-3378	32	2	l.d	l.d	PROPN
fsr-3378	32	3	.	.	PROPN
fsr-3378	32	4	smith	smith	PROPN
fsr-3378	32	5	et	et	PROPN
fsr-3378	32	6	al	al	PROPN
fsr-3378	32	7	.	.	PUNCT
fsr-3378	32	8	/	/	SYM
fsr-3378	32	9	financial	financial	ADJ
fsr-3378	32	10	services	service	NOUN
fsr-3378	32	11	review	review	VERB
fsr-3378	32	12	27	27	NUM
fsr-3378	32	13	(	(	PUNCT
fsr-3378	32	14	2018	2018	NUM
fsr-3378	32	15	)	)	PUNCT
fsr-3378	32	16	1	1	NUM
fsr-3378	32	17	-	-	SYM
fsr-3378	32	18	28	28	NUM
fsr-3378	32	19	consumer	consumer	NOUN
fsr-3378	32	20	advocates	advocate	NOUN
fsr-3378	32	21	have	have	AUX
fsr-3378	32	22	raised	raise	VERB
fsr-3378	32	23	concerns	concern	NOUN
fsr-3378	32	24	that	that	SCONJ
fsr-3378	32	25	some	some	DET
fsr-3378	32	26	sectors	sector	NOUN
fsr-3378	32	27	of	of	ADP
fsr-3378	32	28	society	society	NOUN
fsr-3378	32	29	may	may	AUX
fsr-3378	32	30	be	be	AUX
fsr-3378	32	31	disadvantaged	disadvantage	VERB
fsr-3378	32	32	in	in	ADP
fsr-3378	32	33	the	the	DET
fsr-3378	32	34	gathering	gathering	NOUN
fsr-3378	32	35	and	and	CCONJ
fsr-3378	32	36	reporting	reporting	NOUN
fsr-3378	32	37	of	of	ADP
fsr-3378	32	38	consumer	consumer	NOUN
fsr-3378	32	39	credit	credit	NOUN
fsr-3378	32	40	information	information	NOUN
fsr-3378	32	41	.	.	PUNCT
fsr-3378	33	1	from	from	ADP
fsr-3378	33	2	a	a	DET
fsr-3378	33	3	survey	survey	NOUN
fsr-3378	33	4	of	of	ADP
fsr-3378	33	5	154	154	NUM
fsr-3378	33	6	adults	adult	NOUN
fsr-3378	33	7	,	,	PUNCT
fsr-3378	33	8	the	the	DET
fsr-3378	33	9	united	united	PROPN
fsr-3378	33	10	states	states	PROPN
fsr-3378	33	11	public	public	ADJ
fsr-3378	33	12	interest	interest	NOUN
fsr-3378	33	13	research	research	NOUN
fsr-3378	33	14	group	group	NOUN
fsr-3378	33	15	(	(	PUNCT
fsr-3378	33	16	uspirg	uspirg	NOUN
fsr-3378	33	17	)	)	PUNCT
fsr-3378	33	18	concluded	conclude	VERB
fsr-3378	33	19	that	that	SCONJ
fsr-3378	33	20	“	"	PUNCT
fsr-3378	33	21	79	79	NUM
fsr-3378	33	22	%	%	NOUN
fsr-3378	33	23	of	of	ADP
fsr-3378	33	24	the	the	DET
fsr-3378	33	25	credit	credit	NOUN
fsr-3378	33	26	reports	report	NOUN
fsr-3378	33	27	surveyed	survey	VERB
fsr-3378	33	28	contained	contain	VERB
fsr-3378	33	29	either	either	CCONJ
fsr-3378	33	30	serious	serious	ADJ
fsr-3378	33	31	errors	error	NOUN
fsr-3378	33	32	or	or	CCONJ
fsr-3378	33	33	other	other	ADJ
fsr-3378	33	34	mistakes	mistake	NOUN
fsr-3378	33	35	”	"	PUNCT
fsr-3378	33	36	and	and	CCONJ
fsr-3378	33	37	one	one	NUM
fsr-3378	33	38	-	-	PUNCT
fsr-3378	33	39	fourth	fourth	NOUN
fsr-3378	33	40	of	of	ADP
fsr-3378	33	41	the	the	DET
fsr-3378	33	42	reports	report	NOUN
fsr-3378	33	43	“	"	PUNCT
fsr-3378	33	44	contained	contain	VERB
fsr-3378	33	45	serious	serious	ADJ
fsr-3378	33	46	errors	error	NOUN
fsr-3378	33	47	that	that	PRON
fsr-3378	33	48	could	could	AUX
fsr-3378	33	49	result	result	VERB
fsr-3378	33	50	in	in	ADP
fsr-3378	33	51	the	the	DET
fsr-3378	33	52	denial	denial	NOUN
fsr-3378	33	53	of	of	ADP
fsr-3378	33	54	credit	credit	NOUN
fsr-3378	33	55	”	"	PUNCT
fsr-3378	33	56	(	(	PUNCT
fsr-3378	33	57	national	national	PROPN
fsr-3378	33	58	association	association	NOUN
fsr-3378	33	59	of	of	ADP
fsr-3378	33	60	state	state	NOUN
fsr-3378	33	61	pirgs	pirg	NOUN
fsr-3378	33	62	,	,	PUNCT
fsr-3378	33	63	2004	2004	NUM
fsr-3378	33	64	)	)	PUNCT
fsr-3378	33	65	.	.	PUNCT
fsr-3378	34	1	in	in	ADP
fsr-3378	34	2	testimony	testimony	NOUN
fsr-3378	34	3	before	before	ADP
fsr-3378	34	4	congress	congress	PROPN
fsr-3378	34	5	,	,	PUNCT
fsr-3378	34	6	a	a	DET
fsr-3378	34	7	consumer	consumer	NOUN
fsr-3378	34	8	advocacy	advocacy	NOUN
fsr-3378	34	9	group	group	NOUN
fsr-3378	34	10	asserted	assert	VERB
fsr-3378	34	11	that	that	SCONJ
fsr-3378	34	12	inaccuracies	inaccuracy	NOUN
fsr-3378	34	13	in	in	ADP
fsr-3378	34	14	credit	credit	NOUN
fsr-3378	34	15	reports	report	NOUN
fsr-3378	34	16	could	could	AUX
fsr-3378	34	17	cause	cause	VERB
fsr-3378	34	18	at	at	ADV
fsr-3378	34	19	least	least	ADV
fsr-3378	34	20	eight	eight	NUM
fsr-3378	34	21	million	million	NUM
fsr-3378	34	22	americans	americans	PROPN
fsr-3378	34	23	to	to	PART
fsr-3378	34	24	be	be	AUX
fsr-3378	34	25	improperly	improperly	ADV
fsr-3378	34	26	categorized	categorize	VERB
fsr-3378	34	27	as	as	ADP
fsr-3378	34	28	subprime	subprime	ADJ
fsr-3378	34	29	risks	risk	NOUN
fsr-3378	34	30	,	,	PUNCT
fsr-3378	34	31	and	and	CCONJ
fsr-3378	34	32	pay	pay	VERB
fsr-3378	34	33	tens	ten	NOUN
fsr-3378	34	34	of	of	ADP
fsr-3378	34	35	thousands	thousand	NOUN
fsr-3378	34	36	of	of	ADP
fsr-3378	34	37	dollars	dollar	NOUN
fsr-3378	34	38	in	in	ADP
fsr-3378	34	39	excess	excess	ADJ
fsr-3378	34	40	interest	interest	NOUN
fsr-3378	34	41	payments	payment	NOUN
fsr-3378	34	42	over	over	ADP
fsr-3378	34	43	the	the	DET
fsr-3378	34	44	term	term	NOUN
fsr-3378	34	45	of	of	ADP
fsr-3378	34	46	a	a	DET
fsr-3378	34	47	30	30	NUM
fsr-3378	34	48	-	-	PUNCT
fsr-3378	34	49	year	year	NOUN
fsr-3378	34	50	mortgage	mortgage	NOUN
fsr-3378	34	51	loan	loan	NOUN
fsr-3378	34	52	(	(	PUNCT
fsr-3378	34	53	brobeck	brobeck	NOUN
fsr-3378	34	54	,	,	PUNCT
fsr-3378	34	55	2003	2003	NUM
fsr-3378	34	56	)	)	PUNCT
fsr-3378	34	57	.	.	PUNCT
fsr-3378	35	1	unfortunately	unfortunately	ADV
fsr-3378	35	2	,	,	PUNCT
fsr-3378	35	3	these	these	DET
fsr-3378	35	4	studies	study	NOUN
fsr-3378	35	5	were	be	AUX
fsr-3378	35	6	based	base	VERB
fsr-3378	35	7	on	on	ADP
fsr-3378	35	8	very	very	ADV
fsr-3378	35	9	limited	limited	ADJ
fsr-3378	35	10	and	and	CCONJ
fsr-3378	35	11	possibly	possibly	ADV
fsr-3378	35	12	biased	biased	ADJ
fsr-3378	35	13	samples	sample	NOUN
fsr-3378	35	14	and	and	CCONJ
fsr-3378	35	15	were	be	AUX
fsr-3378	35	16	prone	prone	ADJ
fsr-3378	35	17	to	to	ADP
fsr-3378	35	18	other	other	ADJ
fsr-3378	35	19	methodological	methodological	ADJ
fsr-3378	35	20	flaws	flaw	NOUN
fsr-3378	35	21	.	.	PUNCT
fsr-3378	36	1	avery	avery	PROPN
fsr-3378	36	2	,	,	PUNCT
fsr-3378	36	3	brevoort	brevoort	NOUN
fsr-3378	36	4	,	,	PUNCT
fsr-3378	36	5	and	and	CCONJ
fsr-3378	36	6	canner	canner	NOUN
fsr-3378	36	7	(	(	PUNCT
fsr-3378	36	8	2012	2012	NUM
fsr-3378	36	9	)	)	PUNCT
fsr-3378	36	10	matched	match	VERB
fsr-3378	36	11	elements	element	NOUN
fsr-3378	36	12	in	in	ADP
fsr-3378	36	13	credit	credit	NOUN
fsr-3378	36	14	reports	report	NOUN
fsr-3378	36	15	with	with	ADP
fsr-3378	36	16	demographic	demographic	ADJ
fsr-3378	36	17	data	datum	NOUN
fsr-3378	36	18	for	for	ADP
fsr-3378	36	19	over	over	ADP
fsr-3378	36	20	200,000	200,000	NUM
fsr-3378	36	21	consumers	consumer	NOUN
fsr-3378	37	1	and	and	CCONJ
fsr-3378	37	2	examined	examine	VERB
fsr-3378	37	3	the	the	DET
fsr-3378	37	4	extent	extent	NOUN
fsr-3378	37	5	to	to	PART
fsr-3378	37	6	which	which	PRON
fsr-3378	37	7	they	they	PRON
fsr-3378	37	8	could	could	AUX
fsr-3378	37	9	inadvertently	inadvertently	ADV
fsr-3378	37	10	serve	serve	VERB
fsr-3378	37	11	as	as	ADP
fsr-3378	37	12	surrogates	surrogate	NOUN
fsr-3378	37	13	for	for	ADP
fsr-3378	37	14	demographic	demographic	ADJ
fsr-3378	37	15	characteristics	characteristic	NOUN
fsr-3378	37	16	(	(	PUNCT
fsr-3378	37	17	e.g.	e.g.	ADV
fsr-3378	37	18	,	,	PUNCT
fsr-3378	37	19	race	race	NOUN
fsr-3378	37	20	and	and	CCONJ
fsr-3378	37	21	ethnicity	ethnicity	NOUN
fsr-3378	37	22	)	)	PUNCT
fsr-3378	37	23	that	that	PRON
fsr-3378	37	24	are	be	AUX
fsr-3378	37	25	deliberately	deliberately	ADV
fsr-3378	37	26	not	not	PART
fsr-3378	37	27	used	use	VERB
fsr-3378	37	28	in	in	ADP
fsr-3378	37	29	constructing	construct	VERB
fsr-3378	37	30	credit	credit	NOUN
fsr-3378	37	31	scores	score	NOUN
fsr-3378	37	32	,	,	PUNCT
fsr-3378	37	33	for	for	ADP
fsr-3378	37	34	fear	fear	NOUN
fsr-3378	37	35	of	of	ADP
fsr-3378	37	36	disparate	disparate	ADJ
fsr-3378	37	37	impact	impact	NOUN
fsr-3378	37	38	of	of	ADP
fsr-3378	37	39	the	the	DET
fsr-3378	37	40	creditscoring	creditscore	VERB
fsr-3378	37	41	system	system	NOUN
fsr-3378	37	42	on	on	ADP
fsr-3378	37	43	segments	segment	NOUN
fsr-3378	37	44	of	of	ADP
fsr-3378	37	45	society	society	NOUN
fsr-3378	37	46	.	.	PUNCT
fsr-3378	38	1	they	they	PRON
fsr-3378	38	2	concluded	conclude	VERB
fsr-3378	38	3	that	that	SCONJ
fsr-3378	38	4	their	their	PRON
fsr-3378	38	5	research	research	NOUN
fsr-3378	38	6	provided	provide	VERB
fsr-3378	38	7	“	"	PUNCT
fsr-3378	38	8	little	little	ADJ
fsr-3378	38	9	or	or	CCONJ
fsr-3378	38	10	no	no	PRON
fsr-3378	38	11	evidence	evidence	NOUN
fsr-3378	38	12	that	that	SCONJ
fsr-3378	38	13	the	the	DET
fsr-3378	38	14	credit	credit	NOUN
fsr-3378	38	15	characteristics	characteristic	NOUN
fsr-3378	38	16	used	use	VERB
fsr-3378	38	17	in	in	ADP
fsr-3378	38	18	credit	credit	NOUN
fsr-3378	38	19	history	history	NOUN
fsr-3378	38	20	scoring	scoring	NOUN
fsr-3378	38	21	models	model	NOUN
fsr-3378	38	22	operate	operate	VERB
fsr-3378	38	23	as	as	ADP
fsr-3378	38	24	proxies	proxy	NOUN
fsr-3378	38	25	for	for	ADP
fsr-3378	38	26	race	race	NOUN
fsr-3378	38	27	or	or	CCONJ
fsr-3378	38	28	ethnicity	ethnicity	NOUN
fsr-3378	38	29	.	.	PUNCT
fsr-3378	38	30	”	"	PUNCT
fsr-3378	39	1	they	they	PRON
fsr-3378	39	2	noted	note	VERB
fsr-3378	39	3	,	,	PUNCT
fsr-3378	39	4	however	however	ADV
fsr-3378	39	5	,	,	PUNCT
fsr-3378	39	6	an	an	DET
fsr-3378	39	7	inevitable	inevitable	ADJ
fsr-3378	39	8	relationship	relationship	NOUN
fsr-3378	39	9	between	between	ADP
fsr-3378	39	10	average	average	ADJ
fsr-3378	39	11	age	age	NOUN
fsr-3378	39	12	of	of	ADP
fsr-3378	39	13	accounts	account	NOUN
fsr-3378	39	14	and	and	CCONJ
fsr-3378	39	15	age	age	NOUN
fsr-3378	39	16	of	of	ADP
fsr-3378	39	17	the	the	DET
fsr-3378	39	18	consumer	consumer	NOUN
fsr-3378	39	19	;	;	PUNCT
fsr-3378	39	20	thus	thus	ADV
fsr-3378	39	21	,	,	PUNCT
fsr-3378	39	22	providing	provide	VERB
fsr-3378	39	23	some	some	DET
fsr-3378	39	24	unavoidable	unavoidable	ADJ
fsr-3378	39	25	disparate	disparate	ADJ
fsr-3378	39	26	impact	impact	NOUN
fsr-3378	39	27	for	for	ADP
fsr-3378	39	28	young	young	ADJ
fsr-3378	39	29	consumers	consumer	NOUN
fsr-3378	39	30	.	.	PUNCT
fsr-3378	40	1	their	their	PRON
fsr-3378	40	2	work	work	NOUN
fsr-3378	40	3	does	do	AUX
fsr-3378	40	4	not	not	PART
fsr-3378	40	5	directly	directly	ADV
fsr-3378	40	6	address	address	VERB
fsr-3378	40	7	related	relate	VERB
fsr-3378	40	8	questions	question	NOUN
fsr-3378	40	9	about	about	ADP
fsr-3378	40	10	the	the	DET
fsr-3378	40	11	propensity	propensity	NOUN
fsr-3378	40	12	of	of	ADP
fsr-3378	40	13	individuals	individual	NOUN
fsr-3378	40	14	with	with	ADP
fsr-3378	40	15	different	different	ADJ
fsr-3378	40	16	demographic	demographic	ADJ
fsr-3378	40	17	characteristics	characteristic	NOUN
fsr-3378	40	18	and	and	CCONJ
fsr-3378	40	19	household	household	NOUN
fsr-3378	40	20	situations	situation	NOUN
fsr-3378	40	21	to	to	PART
fsr-3378	40	22	utilize	utilize	VERB
fsr-3378	40	23	credit	credit	NOUN
fsr-3378	40	24	and	and	CCONJ
fsr-3378	40	25	manage	manage	VERB
fsr-3378	40	26	it	it	PRON
fsr-3378	40	27	well	well	ADV
fsr-3378	40	28	.	.	PUNCT
fsr-3378	41	1	in	in	ADP
fsr-3378	41	2	the	the	DET
fsr-3378	41	3	most	most	ADV
fsr-3378	41	4	comprehensive	comprehensive	ADJ
fsr-3378	41	5	study	study	NOUN
fsr-3378	41	6	of	of	ADP
fsr-3378	41	7	credit	credit	NOUN
fsr-3378	41	8	-	-	PUNCT
fsr-3378	41	9	bureau	bureau	NOUN
fsr-3378	41	10	accuracy	accuracy	NOUN
fsr-3378	41	11	to	to	ADP
fsr-3378	41	12	date	date	NOUN
fsr-3378	41	13	,	,	PUNCT
fsr-3378	41	14	investigators	investigator	NOUN
fsr-3378	41	15	from	from	ADP
fsr-3378	41	16	the	the	DET
fsr-3378	41	17	university	university	PROPN
fsr-3378	41	18	of	of	ADP
fsr-3378	41	19	missouri	missouri	PROPN
fsr-3378	41	20	-	-	PROPN
fsr-3378	41	21	st	st	PROPN
fsr-3378	41	22	louis	louis	PROPN
fsr-3378	41	23	and	and	CCONJ
fsr-3378	41	24	the	the	DET
fsr-3378	41	25	university	university	PROPN
fsr-3378	41	26	of	of	ADP
fsr-3378	41	27	arizona	arizona	PROPN
fsr-3378	41	28	,	,	PUNCT
fsr-3378	41	29	on	on	ADP
fsr-3378	41	30	behalf	behalf	NOUN
fsr-3378	41	31	of	of	ADP
fsr-3378	41	32	the	the	DET
fsr-3378	41	33	federal	federal	PROPN
fsr-3378	41	34	trade	trade	PROPN
fsr-3378	41	35	commission	commission	PROPN
fsr-3378	41	36	(	(	PUNCT
fsr-3378	41	37	ftc	ftc	PROPN
fsr-3378	41	38	)	)	PUNCT
fsr-3378	41	39	,	,	PUNCT
fsr-3378	41	40	engaged	engage	VERB
fsr-3378	41	41	a	a	DET
fsr-3378	41	42	representative	representative	ADJ
fsr-3378	41	43	sample	sample	NOUN
fsr-3378	41	44	of	of	ADP
fsr-3378	41	45	1,001	1,001	NUM
fsr-3378	41	46	u.s	u.s	PROPN
fsr-3378	41	47	.	.	PROPN
fsr-3378	41	48	consumers	consumer	NOUN
fsr-3378	41	49	in	in	ADP
fsr-3378	41	50	a	a	DET
fsr-3378	41	51	detailed	detailed	ADJ
fsr-3378	41	52	review	review	NOUN
fsr-3378	41	53	of	of	ADP
fsr-3378	41	54	their	their	PRON
fsr-3378	41	55	credit	credit	NOUN
fsr-3378	41	56	reports	report	NOUN
fsr-3378	41	57	from	from	ADP
fsr-3378	41	58	the	the	DET
fsr-3378	41	59	three	three	NUM
fsr-3378	41	60	major	major	ADJ
fsr-3378	41	61	u.s	u.s	PROPN
fsr-3378	41	62	.	.	PROPN
fsr-3378	41	63	credit	credit	PROPN
fsr-3378	41	64	bureaus	bureaus	PROPN
fsr-3378	41	65	(	(	PUNCT
fsr-3378	41	66	smith	smith	PROPN
fsr-3378	41	67	et	et	PROPN
fsr-3378	41	68	al	al	PROPN
fsr-3378	41	69	.	.	PROPN
fsr-3378	41	70	,	,	PUNCT
fsr-3378	41	71	2013	2013	NUM
fsr-3378	41	72	)	)	PUNCT
fsr-3378	41	73	.	.	PUNCT
fsr-3378	42	1	twenty	twenty	NUM
fsr-3378	42	2	-	-	PUNCT
fsr-3378	42	3	six	six	NUM
fsr-3378	42	4	percent	percent	NOUN
fsr-3378	42	5	of	of	ADP
fsr-3378	42	6	participants	participant	NOUN
fsr-3378	42	7	in	in	ADP
fsr-3378	42	8	this	this	DET
fsr-3378	42	9	study	study	NOUN
fsr-3378	42	10	claimed	claim	VERB
fsr-3378	42	11	to	to	PART
fsr-3378	42	12	find	find	VERB
fsr-3378	42	13	at	at	ADV
fsr-3378	42	14	least	least	ADV
fsr-3378	42	15	one	one	NUM
fsr-3378	42	16	potentially	potentially	ADV
fsr-3378	42	17	material	material	ADJ
fsr-3378	42	18	error	error	NOUN
fsr-3378	42	19	in	in	ADP
fsr-3378	42	20	a	a	DET
fsr-3378	42	21	credit	credit	NOUN
fsr-3378	42	22	report	report	NOUN
fsr-3378	42	23	and	and	CCONJ
fsr-3378	42	24	,	,	PUNCT
fsr-3378	42	25	with	with	ADP
fsr-3378	42	26	guidance	guidance	NOUN
fsr-3378	42	27	from	from	ADP
fsr-3378	42	28	the	the	DET
fsr-3378	42	29	university	university	NOUN
fsr-3378	42	30	research	research	NOUN
fsr-3378	42	31	associates	associate	NOUN
fsr-3378	42	32	who	who	PRON
fsr-3378	42	33	helped	help	VERB
fsr-3378	42	34	them	they	PRON
fsr-3378	42	35	review	review	VERB
fsr-3378	42	36	the	the	DET
fsr-3378	42	37	credit	credit	NOUN
fsr-3378	42	38	reports	report	NOUN
fsr-3378	42	39	,	,	PUNCT
fsr-3378	42	40	filed	file	VERB
fsr-3378	42	41	formal	formal	ADJ
fsr-3378	42	42	disputes	dispute	NOUN
fsr-3378	42	43	with	with	ADP
fsr-3378	42	44	the	the	DET
fsr-3378	42	45	relevant	relevant	ADJ
fsr-3378	42	46	bureau(s	bureau(s	NOUN
fsr-3378	42	47	)	)	PUNCT
fsr-3378	42	48	.	.	PUNCT
fsr-3378	43	1	for	for	ADP
fsr-3378	43	2	78	78	NUM
fsr-3378	43	3	%	%	NOUN
fsr-3378	43	4	of	of	ADP
fsr-3378	43	5	the	the	DET
fsr-3378	43	6	consumers	consumer	NOUN
fsr-3378	43	7	who	who	PRON
fsr-3378	43	8	filed	file	VERB
fsr-3378	43	9	disputes	dispute	NOUN
fsr-3378	43	10	(	(	PUNCT
fsr-3378	43	11	20	20	NUM
fsr-3378	43	12	%	%	NOUN
fsr-3378	43	13	of	of	ADP
fsr-3378	43	14	participants	participant	NOUN
fsr-3378	43	15	overall	overall	ADJ
fsr-3378	43	16	)	)	PUNCT
fsr-3378	43	17	,	,	PUNCT
fsr-3378	43	18	at	at	ADP
fsr-3378	43	19	least	least	ADV
fsr-3378	43	20	one	one	NUM
fsr-3378	43	21	bureau	bureau	NOUN
fsr-3378	43	22	altered	alter	VERB
fsr-3378	43	23	their	their	PRON
fsr-3378	43	24	credit	credit	NOUN
fsr-3378	43	25	report	report	NOUN
fsr-3378	43	26	in	in	ADP
fsr-3378	43	27	a	a	DET
fsr-3378	43	28	manner	manner	NOUN
fsr-3378	43	29	that	that	PRON
fsr-3378	43	30	addressed	address	VERB
fsr-3378	43	31	the	the	DET
fsr-3378	43	32	consumers	consumer	NOUN
fsr-3378	43	33	’	’	PART
fsr-3378	43	34	concerns	concern	NOUN
fsr-3378	43	35	.	.	PUNCT
fsr-3378	44	1	thirty	thirty	NUM
fsr-3378	44	2	-	-	PUNCT
fsr-3378	44	3	three	three	NUM
fsr-3378	44	4	percent	percent	NOUN
fsr-3378	44	5	of	of	ADP
fsr-3378	44	6	disputants	disputant	NOUN
fsr-3378	44	7	(	(	PUNCT
fsr-3378	44	8	8.7	8.7	NUM
fsr-3378	44	9	%	%	NOUN
fsr-3378	44	10	of	of	ADP
fsr-3378	44	11	all	all	DET
fsr-3378	44	12	participants	participant	NOUN
fsr-3378	44	13	)	)	PUNCT
fsr-3378	44	14	experienced	experience	VERB
fsr-3378	44	15	a	a	DET
fsr-3378	44	16	resulting	result	VERB
fsr-3378	44	17	increase	increase	NOUN
fsr-3378	44	18	of	of	ADP
fsr-3378	44	19	10	10	NUM
fsr-3378	44	20	�	�	PROPN
fsr-3378	44	21	points	point	NOUN
fsr-3378	44	22	in	in	ADP
fsr-3378	44	23	one	one	NUM
fsr-3378	44	24	or	or	CCONJ
fsr-3378	44	25	more	more	ADJ
fsr-3378	44	26	of	of	ADP
fsr-3378	44	27	their	their	PRON
fsr-3378	44	28	fico	fico	NOUN
fsr-3378	44	29	scores	score	NOUN
fsr-3378	44	30	;	;	PUNCT
fsr-3378	44	31	21	21	NUM
fsr-3378	44	32	%	%	NOUN
fsr-3378	44	33	of	of	ADP
fsr-3378	44	34	disputants	disputant	NOUN
fsr-3378	44	35	(	(	PUNCT
fsr-3378	44	36	5.5	5.5	NUM
fsr-3378	44	37	%	%	NOUN
fsr-3378	44	38	of	of	ADP
fsr-3378	44	39	study	study	NOUN
fsr-3378	44	40	participants	participant	NOUN
fsr-3378	44	41	)	)	PUNCT
fsr-3378	44	42	had	have	VERB
fsr-3378	44	43	one	one	NUM
fsr-3378	44	44	or	or	CCONJ
fsr-3378	44	45	more	more	ADJ
fsr-3378	44	46	scores	score	NOUN
fsr-3378	44	47	cross	cross	VERB
fsr-3378	44	48	a	a	DET
fsr-3378	44	49	threshold	threshold	NOUN
fsr-3378	44	50	that	that	PRON
fsr-3378	44	51	would	would	AUX
fsr-3378	44	52	typically	typically	ADV
fsr-3378	44	53	result	result	VERB
fsr-3378	44	54	in	in	ADP
fsr-3378	44	55	more	more	ADV
fsr-3378	44	56	favorable	favorable	ADJ
fsr-3378	44	57	terms	term	NOUN
fsr-3378	44	58	of	of	ADP
fsr-3378	44	59	credit	credit	NOUN
fsr-3378	44	60	.	.	PUNCT
fsr-3378	45	1	the	the	DET
fsr-3378	45	2	investigators	investigator	NOUN
fsr-3378	45	3	interpreted	interpret	VERB
fsr-3378	45	4	these	these	DET
fsr-3378	45	5	results	result	NOUN
fsr-3378	45	6	as	as	ADP
fsr-3378	45	7	providing	provide	VERB
fsr-3378	45	8	evidence	evidence	NOUN
fsr-3378	45	9	that	that	SCONJ
fsr-3378	45	10	“	"	PUNCT
fsr-3378	45	11	current	current	ADJ
fsr-3378	45	12	regulatory	regulatory	ADJ
fsr-3378	45	13	regimes	regime	NOUN
fsr-3378	45	14	and	and	CCONJ
fsr-3378	45	15	industry	industry	NOUN
fsr-3378	45	16	practice	practice	NOUN
fsr-3378	45	17	are	be	AUX
fsr-3378	45	18	geared	gear	VERB
fsr-3378	45	19	to	to	ADP
fsr-3378	45	20	providing	provide	VERB
fsr-3378	45	21	data	datum	NOUN
fsr-3378	45	22	that	that	PRON
fsr-3378	45	23	promote	promote	VERB
fsr-3378	45	24	efficiency	efficiency	NOUN
fsr-3378	45	25	in	in	ADP
fsr-3378	45	26	our	our	PRON
fsr-3378	45	27	consumer	consumer	NOUN
fsr-3378	45	28	economy	economy	NOUN
fsr-3378	45	29	while	while	SCONJ
fsr-3378	45	30	leaving	leave	VERB
fsr-3378	45	31	a	a	DET
fsr-3378	45	32	small	small	ADJ
fsr-3378	45	33	percentage	percentage	NOUN
fsr-3378	45	34	of	of	ADP
fsr-3378	45	35	individual	individual	ADJ
fsr-3378	45	36	consumers	consumer	NOUN
fsr-3378	45	37	vulnerable	vulnerable	ADJ
fsr-3378	45	38	to	to	ADP
fsr-3378	45	39	significant	significant	ADJ
fsr-3378	45	40	misrepresentations	misrepresentation	NOUN
fsr-3378	45	41	of	of	ADP
fsr-3378	45	42	their	their	PRON
fsr-3378	45	43	creditworthiness	creditworthiness	NOUN
fsr-3378	45	44	.	.	PUNCT
fsr-3378	45	45	”	"	PUNCT
fsr-3378	46	1	in	in	ADP
fsr-3378	46	2	this	this	DET
fsr-3378	46	3	paper	paper	NOUN
fsr-3378	46	4	,	,	PUNCT
fsr-3378	46	5	we	we	PRON
fsr-3378	46	6	extend	extend	VERB
fsr-3378	46	7	the	the	DET
fsr-3378	46	8	research	research	NOUN
fsr-3378	46	9	of	of	ADP
fsr-3378	46	10	smith	smith	PROPN
fsr-3378	46	11	et	et	PROPN
fsr-3378	46	12	al	al	PROPN
fsr-3378	46	13	.	.	PROPN
fsr-3378	47	1	(	(	PUNCT
fsr-3378	47	2	2013	2013	NUM
fsr-3378	47	3	)	)	PUNCT
fsr-3378	47	4	,	,	PUNCT
fsr-3378	47	5	which	which	PRON
fsr-3378	47	6	concentrated	concentrate	VERB
fsr-3378	47	7	on	on	ADP
fsr-3378	47	8	the	the	DET
fsr-3378	47	9	incidence	incidence	NOUN
fsr-3378	47	10	of	of	ADP
fsr-3378	47	11	errors	error	NOUN
fsr-3378	47	12	in	in	ADP
fsr-3378	47	13	credit	credit	NOUN
fsr-3378	47	14	-	-	PUNCT
fsr-3378	47	15	bureau	bureau	NOUN
fsr-3378	47	16	files	file	NOUN
fsr-3378	47	17	and	and	CCONJ
fsr-3378	47	18	the	the	DET
fsr-3378	47	19	results	result	NOUN
fsr-3378	47	20	of	of	ADP
fsr-3378	47	21	disputes	dispute	NOUN
fsr-3378	47	22	filed	file	VERB
fsr-3378	47	23	by	by	ADP
fsr-3378	47	24	consumers	consumer	NOUN
fsr-3378	47	25	to	to	PART
fsr-3378	47	26	rectify	rectify	VERB
fsr-3378	47	27	alleged	alleged	ADJ
fsr-3378	47	28	errors	error	NOUN
fsr-3378	47	29	.	.	PUNCT
fsr-3378	48	1	we	we	PRON
fsr-3378	48	2	examine	examine	VERB
fsr-3378	48	3	further	far	ADV
fsr-3378	48	4	how	how	SCONJ
fsr-3378	48	5	different	different	ADJ
fsr-3378	48	6	segments	segment	NOUN
fsr-3378	48	7	of	of	ADP
fsr-3378	48	8	society	society	NOUN
fsr-3378	48	9	engage	engage	VERB
fsr-3378	48	10	in	in	ADP
fsr-3378	48	11	the	the	DET
fsr-3378	48	12	credit	credit	NOUN
fsr-3378	48	13	-	-	PUNCT
fsr-3378	48	14	driven	drive	VERB
fsr-3378	48	15	consumer	consumer	NOUN
fsr-3378	48	16	economy	economy	NOUN
fsr-3378	48	17	,	,	PUNCT
fsr-3378	48	18	manage	manage	VERB
fsr-3378	48	19	their	their	PRON
fsr-3378	48	20	obligations	obligation	NOUN
fsr-3378	48	21	,	,	PUNCT
fsr-3378	48	22	are	be	AUX
fsr-3378	48	23	vulnerable	vulnerable	ADJ
fsr-3378	48	24	to	to	ADP
fsr-3378	48	25	reporting	report	VERB
fsr-3378	48	26	errors	error	NOUN
fsr-3378	48	27	,	,	PUNCT
fsr-3378	48	28	and	and	CCONJ
fsr-3378	48	29	fare	fare	VERB
fsr-3378	48	30	when	when	SCONJ
fsr-3378	48	31	they	they	PRON
fsr-3378	48	32	file	file	VERB
fsr-3378	48	33	formal	formal	ADJ
fsr-3378	48	34	disputes	dispute	NOUN
fsr-3378	48	35	of	of	ADP
fsr-3378	48	36	information	information	NOUN
fsr-3378	48	37	in	in	ADP
fsr-3378	48	38	their	their	PRON
fsr-3378	48	39	credit	credit	NOUN
fsr-3378	48	40	files	file	NOUN
fsr-3378	48	41	.	.	PUNCT
fsr-3378	49	1	to	to	PART
fsr-3378	49	2	be	be	AUX
fsr-3378	49	3	addressed	address	VERB
fsr-3378	49	4	are	be	AUX
fsr-3378	49	5	the	the	DET
fsr-3378	49	6	following	follow	VERB
fsr-3378	49	7	questions	question	NOUN
fsr-3378	49	8	:	:	PUNCT
fsr-3378	49	9	3l.d	3l.d	NUM
fsr-3378	49	10	.	.	PUNCT
fsr-3378	50	1	smith	smith	PROPN
fsr-3378	50	2	et	et	PROPN
fsr-3378	50	3	al	al	PROPN
fsr-3378	50	4	.	.	PUNCT
fsr-3378	50	5	/	/	SYM
fsr-3378	50	6	financial	financial	ADJ
fsr-3378	50	7	services	service	NOUN
fsr-3378	50	8	review	review	VERB
fsr-3378	50	9	27	27	NUM
fsr-3378	50	10	(	(	PUNCT
fsr-3378	50	11	2018	2018	NUM
fsr-3378	50	12	)	)	PUNCT
fsr-3378	50	13	1	1	NUM
fsr-3378	50	14	-	-	SYM
fsr-3378	50	15	28	28	NUM
fsr-3378	50	16	1	1	NUM
fsr-3378	50	17	.	.	PUNCT
fsr-3378	51	1	how	how	SCONJ
fsr-3378	51	2	successfully	successfully	ADV
fsr-3378	51	3	do	do	AUX
fsr-3378	51	4	different	different	ADJ
fsr-3378	51	5	consumer	consumer	NOUN
fsr-3378	51	6	groups	group	NOUN
fsr-3378	51	7	manage	manage	VERB
fsr-3378	51	8	their	their	PRON
fsr-3378	51	9	credit	credit	NOUN
fsr-3378	51	10	obligations	obligation	NOUN
fsr-3378	51	11	?	?	PUNCT
fsr-3378	52	1	2	2	X
fsr-3378	52	2	.	.	X
fsr-3378	52	3	are	be	AUX
fsr-3378	52	4	some	some	DET
fsr-3378	52	5	consumer	consumer	NOUN
fsr-3378	52	6	segments	segment	NOUN
fsr-3378	52	7	more	more	ADV
fsr-3378	52	8	vulnerable	vulnerable	ADJ
fsr-3378	52	9	to	to	ADP
fsr-3378	52	10	inaccuracies	inaccuracy	NOUN
fsr-3378	52	11	in	in	ADP
fsr-3378	52	12	their	their	PRON
fsr-3378	52	13	credit	credit	NOUN
fsr-3378	52	14	reports	report	NOUN
fsr-3378	52	15	than	than	ADP
fsr-3378	52	16	others	other	NOUN
fsr-3378	52	17	?	?	PUNCT
fsr-3378	53	1	3	3	X
fsr-3378	53	2	.	.	X
fsr-3378	53	3	do	do	AUX
fsr-3378	53	4	some	some	DET
fsr-3378	53	5	consumer	consumer	NOUN
fsr-3378	53	6	groups	group	NOUN
fsr-3378	53	7	improve	improve	VERB
fsr-3378	53	8	their	their	PRON
fsr-3378	53	9	credit	credit	NOUN
fsr-3378	53	10	standing	stand	VERB
fsr-3378	53	11	more	more	ADJ
fsr-3378	53	12	than	than	ADP
fsr-3378	53	13	others	other	NOUN
fsr-3378	53	14	when	when	SCONJ
fsr-3378	53	15	corrections	correction	NOUN
fsr-3378	53	16	are	be	AUX
fsr-3378	53	17	imposed	impose	VERB
fsr-3378	53	18	on	on	ADP
fsr-3378	53	19	their	their	PRON
fsr-3378	53	20	files	file	NOUN
fsr-3378	53	21	in	in	ADP
fsr-3378	53	22	response	response	NOUN
fsr-3378	53	23	to	to	ADP
fsr-3378	53	24	formal	formal	ADJ
fsr-3378	53	25	disputes	dispute	NOUN
fsr-3378	53	26	filed	file	VERB
fsr-3378	53	27	with	with	ADP
fsr-3378	53	28	the	the	DET
fsr-3378	53	29	credit	credit	NOUN
fsr-3378	53	30	bureaus	bureaus	NOUN
fsr-3378	53	31	?	?	PUNCT
fsr-3378	54	1	the	the	DET
fsr-3378	54	2	unique	unique	ADJ
fsr-3378	54	3	research	research	NOUN
fsr-3378	54	4	design	design	NOUN
fsr-3378	54	5	used	use	VERB
fsr-3378	54	6	in	in	ADP
fsr-3378	54	7	this	this	DET
fsr-3378	54	8	study	study	NOUN
fsr-3378	54	9	provides	provide	VERB
fsr-3378	54	10	information	information	NOUN
fsr-3378	54	11	that	that	PRON
fsr-3378	54	12	enables	enable	VERB
fsr-3378	54	13	a	a	DET
fsr-3378	54	14	coherent	coherent	ADJ
fsr-3378	54	15	multivariate	multivariate	NOUN
fsr-3378	54	16	analysis	analysis	NOUN
fsr-3378	54	17	of	of	ADP
fsr-3378	54	18	the	the	DET
fsr-3378	54	19	full	full	ADJ
fsr-3378	54	20	credit	credit	NOUN
fsr-3378	54	21	cycle	cycle	NOUN
fsr-3378	54	22	.	.	PUNCT
fsr-3378	55	1	it	it	PRON
fsr-3378	55	2	allows	allow	VERB
fsr-3378	55	3	the	the	DET
fsr-3378	55	4	validation	validation	NOUN
fsr-3378	55	5	of	of	ADP
fsr-3378	55	6	self	self	NOUN
fsr-3378	55	7	-	-	PUNCT
fsr-3378	55	8	reported	report	VERB
fsr-3378	55	9	data	datum	NOUN
fsr-3378	55	10	through	through	ADP
fsr-3378	55	11	a	a	DET
fsr-3378	55	12	cross	cross	NOUN
fsr-3378	55	13	-	-	NOUN
fsr-3378	55	14	check	check	NOUN
fsr-3378	55	15	of	of	ADP
fsr-3378	55	16	information	information	NOUN
fsr-3378	55	17	in	in	ADP
fsr-3378	55	18	each	each	DET
fsr-3378	55	19	participant	participant	NOUN
fsr-3378	55	20	’s	’s	PART
fsr-3378	55	21	credit	credit	NOUN
fsr-3378	55	22	reports	report	NOUN
fsr-3378	55	23	from	from	ADP
fsr-3378	55	24	the	the	DET
fsr-3378	55	25	three	three	NUM
fsr-3378	55	26	major	major	ADJ
fsr-3378	55	27	credit	credit	NOUN
fsr-3378	55	28	bureaus	bureaus	NOUN
fsr-3378	55	29	.	.	PUNCT
fsr-3378	56	1	impacts	impact	NOUN
fsr-3378	56	2	of	of	ADP
fsr-3378	56	3	errors	error	NOUN
fsr-3378	56	4	in	in	ADP
fsr-3378	56	5	the	the	DET
fsr-3378	56	6	bureaus	bureaus	NOUN
fsr-3378	56	7	’	'	PUNCT
fsr-3378	56	8	files	file	NOUN
fsr-3378	56	9	are	be	AUX
fsr-3378	56	10	assessed	assess	VERB
fsr-3378	56	11	by	by	ADP
fsr-3378	56	12	an	an	DET
fsr-3378	56	13	actual	actual	ADJ
fsr-3378	56	14	rescoring	rescoring	NOUN
fsr-3378	56	15	of	of	ADP
fsr-3378	56	16	frozen	frozen	ADJ
fsr-3378	56	17	credit	credit	NOUN
fsr-3378	56	18	files	file	NOUN
fsr-3378	56	19	by	by	ADP
fsr-3378	56	20	the	the	DET
fsr-3378	56	21	leading	lead	VERB
fsr-3378	56	22	provider	provider	NOUN
fsr-3378	56	23	of	of	ADP
fsr-3378	56	24	credit	credit	NOUN
fsr-3378	56	25	scores	score	NOUN
fsr-3378	56	26	the	the	DET
fsr-3378	56	27	analytical	analytical	ADJ
fsr-3378	56	28	process	process	NOUN
fsr-3378	56	29	is	be	AUX
fsr-3378	56	30	structured	structure	VERB
fsr-3378	56	31	to	to	PART
fsr-3378	56	32	reveal	reveal	VERB
fsr-3378	56	33	associations	association	NOUN
fsr-3378	56	34	between	between	ADP
fsr-3378	56	35	outcomes	outcome	NOUN
fsr-3378	56	36	of	of	ADP
fsr-3378	56	37	interest	interest	NOUN
fsr-3378	56	38	and	and	CCONJ
fsr-3378	56	39	the	the	DET
fsr-3378	56	40	interrelated	interrelated	ADJ
fsr-3378	56	41	factors	factor	NOUN
fsr-3378	56	42	that	that	PRON
fsr-3378	56	43	explain	explain	VERB
fsr-3378	56	44	them	they	PRON
fsr-3378	56	45	.	.	PUNCT
fsr-3378	57	1	2	2	X
fsr-3378	57	2	.	.	X
fsr-3378	57	3	related	relate	VERB
fsr-3378	57	4	research	research	NOUN
fsr-3378	57	5	utilization	utilization	NOUN
fsr-3378	57	6	of	of	ADP
fsr-3378	57	7	credit	credit	NOUN
fsr-3378	57	8	and	and	CCONJ
fsr-3378	57	9	management	management	NOUN
fsr-3378	57	10	of	of	ADP
fsr-3378	57	11	personal	personal	ADJ
fsr-3378	57	12	or	or	CCONJ
fsr-3378	57	13	household	household	NOUN
fsr-3378	57	14	finance	finance	NOUN
fsr-3378	57	15	have	have	AUX
fsr-3378	57	16	changed	change	VERB
fsr-3378	57	17	dramatically	dramatically	ADV
fsr-3378	57	18	since	since	SCONJ
fsr-3378	57	19	the	the	DET
fsr-3378	57	20	1950s	1950	NOUN
fsr-3378	57	21	when	when	SCONJ
fsr-3378	57	22	a	a	DET
fsr-3378	57	23	consumer	consumer	NOUN
fsr-3378	57	24	might	might	AUX
fsr-3378	57	25	typically	typically	ADV
fsr-3378	57	26	have	have	AUX
fsr-3378	57	27	carried	carry	VERB
fsr-3378	57	28	a	a	DET
fsr-3378	57	29	home	home	NOUN
fsr-3378	57	30	mortgage	mortgage	NOUN
fsr-3378	57	31	,	,	PUNCT
fsr-3378	57	32	perhaps	perhaps	ADV
fsr-3378	57	33	a	a	DET
fsr-3378	57	34	car	car	NOUN
fsr-3378	57	35	loan	loan	NOUN
fsr-3378	57	36	and	and	CCONJ
fsr-3378	57	37	used	use	VERB
fsr-3378	57	38	a	a	DET
fsr-3378	57	39	couple	couple	NOUN
fsr-3378	57	40	of	of	ADP
fsr-3378	57	41	branded	brand	VERB
fsr-3378	57	42	credit	credit	NOUN
fsr-3378	57	43	cards	card	NOUN
fsr-3378	57	44	for	for	ADP
fsr-3378	57	45	gasoline	gasoline	NOUN
fsr-3378	57	46	service	service	NOUN
fsr-3378	57	47	stations	station	NOUN
fsr-3378	57	48	or	or	CCONJ
fsr-3378	57	49	major	major	ADJ
fsr-3378	57	50	department	department	NOUN
fsr-3378	57	51	stores	store	NOUN
fsr-3378	57	52	.	.	PUNCT
fsr-3378	58	1	household	household	NOUN
fsr-3378	58	2	debt	debt	NOUN
fsr-3378	58	3	increased	increase	VERB
fsr-3378	58	4	from	from	ADP
fsr-3378	58	5	an	an	DET
fsr-3378	58	6	average	average	NOUN
fsr-3378	58	7	of	of	ADP
fsr-3378	58	8	55	55	NUM
fsr-3378	58	9	%	%	NOUN
fsr-3378	58	10	of	of	ADP
fsr-3378	58	11	personal	personal	ADJ
fsr-3378	58	12	disposable	disposable	ADJ
fsr-3378	58	13	income	income	NOUN
fsr-3378	58	14	in	in	ADP
fsr-3378	58	15	1960	1960	NUM
fsr-3378	58	16	to	to	ADP
fsr-3378	58	17	133	133	NUM
fsr-3378	58	18	%	%	NOUN
fsr-3378	58	19	in	in	ADP
fsr-3378	58	20	2007	2007	NUM
fsr-3378	58	21	(	(	PUNCT
fsr-3378	58	22	glick	glick	PROPN
fsr-3378	58	23	and	and	CCONJ
fsr-3378	58	24	lansing	lansing	PROPN
fsr-3378	58	25	,	,	PUNCT
fsr-3378	58	26	2009	2009	NUM
fsr-3378	58	27	)	)	PUNCT
fsr-3378	58	28	.	.	PUNCT
fsr-3378	59	1	home	home	NOUN
fsr-3378	59	2	equity	equity	NOUN
fsr-3378	59	3	lines	line	NOUN
fsr-3378	59	4	of	of	ADP
fsr-3378	59	5	credit	credit	NOUN
fsr-3378	59	6	,	,	PUNCT
fsr-3378	59	7	guaranteed	guarantee	VERB
fsr-3378	59	8	student	student	NOUN
fsr-3378	59	9	loans	loan	NOUN
fsr-3378	59	10	,	,	PUNCT
fsr-3378	59	11	bank	bank	NOUN
fsr-3378	59	12	credit	credit	NOUN
fsr-3378	59	13	cards	card	NOUN
fsr-3378	59	14	,	,	PUNCT
fsr-3378	59	15	and	and	CCONJ
fsr-3378	59	16	loans	loan	NOUN
fsr-3378	59	17	from	from	ADP
fsr-3378	59	18	unconventional	unconventional	ADJ
fsr-3378	59	19	sources	source	NOUN
fsr-3378	59	20	(	(	PUNCT
fsr-3378	59	21	e.g.	e.g.	ADV
fsr-3378	59	22	,	,	PUNCT
fsr-3378	59	23	payday	payday	NOUN
fsr-3378	59	24	loans	loan	NOUN
fsr-3378	59	25	)	)	PUNCT
fsr-3378	59	26	have	have	AUX
fsr-3378	59	27	entered	enter	VERB
fsr-3378	59	28	the	the	DET
fsr-3378	59	29	credit	credit	NOUN
fsr-3378	59	30	mix	mix	NOUN
fsr-3378	59	31	(	(	PUNCT
fsr-3378	59	32	bricker	bricker	NOUN
fsr-3378	59	33	et	et	NOUN
fsr-3378	59	34	al	al	PROPN
fsr-3378	59	35	.	.	PROPN
fsr-3378	59	36	,	,	PUNCT
fsr-3378	59	37	2014	2014	NUM
fsr-3378	59	38	)	)	PUNCT
fsr-3378	59	39	.	.	PUNCT
fsr-3378	60	1	in	in	ADP
fsr-3378	60	2	short	short	ADJ
fsr-3378	60	3	,	,	PUNCT
fsr-3378	60	4	prudent	prudent	ADJ
fsr-3378	60	5	management	management	NOUN
fsr-3378	60	6	of	of	ADP
fsr-3378	60	7	credit	credit	NOUN
fsr-3378	60	8	has	have	AUX
fsr-3378	60	9	become	become	VERB
fsr-3378	60	10	a	a	DET
fsr-3378	60	11	necessary	necessary	ADJ
fsr-3378	60	12	skill	skill	NOUN
fsr-3378	60	13	in	in	ADP
fsr-3378	60	14	the	the	DET
fsr-3378	60	15	modern	modern	ADJ
fsr-3378	60	16	economy	economy	NOUN
fsr-3378	60	17	.	.	PUNCT
fsr-3378	61	1	as	as	ADP
fsr-3378	61	2	such	such	ADJ
fsr-3378	61	3	,	,	PUNCT
fsr-3378	61	4	questions	question	NOUN
fsr-3378	61	5	about	about	ADP
fsr-3378	61	6	differences	difference	NOUN
fsr-3378	61	7	in	in	ADP
fsr-3378	61	8	credit	credit	NOUN
fsr-3378	61	9	usage	usage	NOUN
fsr-3378	61	10	across	across	ADP
fsr-3378	61	11	demographic	demographic	ADJ
fsr-3378	61	12	categories	category	NOUN
fsr-3378	61	13	,	,	PUNCT
fsr-3378	61	14	proneness	proneness	NOUN
fsr-3378	61	15	to	to	ADP
fsr-3378	61	16	delinquency	delinquency	NOUN
fsr-3378	61	17	and	and	CCONJ
fsr-3378	61	18	default	default	NOUN
fsr-3378	61	19	,	,	PUNCT
fsr-3378	61	20	problems	problem	NOUN
fsr-3378	61	21	of	of	ADP
fsr-3378	61	22	coping	cope	VERB
fsr-3378	61	23	with	with	ADP
fsr-3378	61	24	debt	debt	NOUN
fsr-3378	61	25	,	,	PUNCT
fsr-3378	61	26	and	and	CCONJ
fsr-3378	61	27	psychological	psychological	ADJ
fsr-3378	61	28	traits	trait	NOUN
fsr-3378	61	29	associated	associate	VERB
fsr-3378	61	30	with	with	ADP
fsr-3378	61	31	credit	credit	NOUN
fsr-3378	61	32	use	use	NOUN
fsr-3378	61	33	and	and	CCONJ
fsr-3378	61	34	financial	financial	ADJ
fsr-3378	61	35	stress	stress	NOUN
fsr-3378	61	36	all	all	PRON
fsr-3378	61	37	become	become	VERB
fsr-3378	61	38	increasingly	increasingly	ADV
fsr-3378	61	39	important	important	ADJ
fsr-3378	61	40	areas	area	NOUN
fsr-3378	61	41	of	of	ADP
fsr-3378	61	42	study	study	NOUN
fsr-3378	61	43	.	.	PUNCT
fsr-3378	62	1	we	we	PRON
fsr-3378	62	2	next	next	ADV
fsr-3378	62	3	summarize	summarize	VERB
fsr-3378	62	4	findings	finding	NOUN
fsr-3378	62	5	from	from	ADP
fsr-3378	62	6	such	such	ADJ
fsr-3378	62	7	prior	prior	ADJ
fsr-3378	62	8	research	research	NOUN
fsr-3378	62	9	and	and	CCONJ
fsr-3378	62	10	then	then	ADV
fsr-3378	62	11	present	present	VERB
fsr-3378	62	12	a	a	DET
fsr-3378	62	13	graphical	graphical	ADJ
fsr-3378	62	14	illustration	illustration	NOUN
fsr-3378	62	15	of	of	ADP
fsr-3378	62	16	the	the	DET
fsr-3378	62	17	dynamics	dynamic	NOUN
fsr-3378	62	18	of	of	ADP
fsr-3378	62	19	the	the	DET
fsr-3378	62	20	consumer	consumer	NOUN
fsr-3378	62	21	credit	credit	NOUN
fsr-3378	62	22	cycle	cycle	NOUN
fsr-3378	62	23	to	to	PART
fsr-3378	62	24	provide	provide	VERB
fsr-3378	62	25	context	context	NOUN
fsr-3378	62	26	for	for	ADP
fsr-3378	62	27	our	our	PRON
fsr-3378	62	28	research	research	NOUN
fsr-3378	62	29	and	and	CCONJ
fsr-3378	62	30	analysis	analysis	NOUN
fsr-3378	62	31	.	.	PUNCT
fsr-3378	63	1	2.1	2.1	NUM
fsr-3378	63	2	.	.	PUNCT
fsr-3378	63	3	credit	credit	NOUN
fsr-3378	63	4	usage	usage	NOUN
fsr-3378	63	5	a	a	DET
fsr-3378	63	6	substantial	substantial	ADJ
fsr-3378	63	7	amount	amount	NOUN
fsr-3378	63	8	of	of	ADP
fsr-3378	63	9	empirical	empirical	ADJ
fsr-3378	63	10	evidence	evidence	NOUN
fsr-3378	63	11	suggests	suggest	VERB
fsr-3378	63	12	that	that	SCONJ
fsr-3378	63	13	individuals	individual	NOUN
fsr-3378	63	14	with	with	ADP
fsr-3378	63	15	different	different	ADJ
fsr-3378	63	16	backgrounds	background	NOUN
fsr-3378	63	17	and	and	CCONJ
fsr-3378	63	18	household	household	NOUN
fsr-3378	63	19	situations	situation	NOUN
fsr-3378	63	20	vary	vary	VERB
fsr-3378	63	21	significantly	significantly	ADV
fsr-3378	63	22	in	in	ADP
fsr-3378	63	23	their	their	PRON
fsr-3378	63	24	use	use	NOUN
fsr-3378	63	25	of	of	ADP
fsr-3378	63	26	consumer	consumer	NOUN
fsr-3378	63	27	credit	credit	NOUN
fsr-3378	63	28	.	.	PUNCT
fsr-3378	64	1	o’neill	o’neill	INTJ
fsr-3378	64	2	and	and	CCONJ
fsr-3378	64	3	xiao	xiao	PROPN
fsr-3378	64	4	(	(	PUNCT
fsr-3378	64	5	2014	2014	NUM
fsr-3378	64	6	)	)	PUNCT
fsr-3378	64	7	surveyed	survey	VERB
fsr-3378	64	8	over	over	ADP
fsr-3378	64	9	1,000	1,000	NUM
fsr-3378	64	10	consumers	consumer	NOUN
fsr-3378	64	11	to	to	PART
fsr-3378	64	12	assess	assess	VERB
fsr-3378	64	13	their	their	PRON
fsr-3378	64	14	financial	financial	ADJ
fsr-3378	64	15	sophistication	sophistication	NOUN
fsr-3378	64	16	and	and	CCONJ
fsr-3378	64	17	inquired	inquire	VERB
fsr-3378	64	18	about	about	ADP
fsr-3378	64	19	their	their	PRON
fsr-3378	64	20	attitudes	attitude	NOUN
fsr-3378	64	21	and	and	CCONJ
fsr-3378	64	22	behavior	behavior	NOUN
fsr-3378	64	23	regarding	regard	VERB
fsr-3378	64	24	the	the	DET
fsr-3378	64	25	use	use	NOUN
fsr-3378	64	26	of	of	ADP
fsr-3378	64	27	credit	credit	NOUN
fsr-3378	64	28	.	.	PUNCT
fsr-3378	65	1	they	they	PRON
fsr-3378	65	2	found	find	VERB
fsr-3378	65	3	that	that	SCONJ
fsr-3378	65	4	older	old	ADJ
fsr-3378	65	5	individuals	individual	NOUN
fsr-3378	65	6	,	,	PUNCT
fsr-3378	65	7	people	people	NOUN
fsr-3378	65	8	with	with	ADP
fsr-3378	65	9	higher	high	ADJ
fsr-3378	65	10	incomes	income	NOUN
fsr-3378	65	11	and	and	CCONJ
fsr-3378	65	12	higher	high	ADJ
fsr-3378	65	13	education	education	NOUN
fsr-3378	65	14	levels	level	NOUN
fsr-3378	65	15	who	who	PRON
fsr-3378	65	16	are	be	AUX
fsr-3378	65	17	married	married	ADJ
fsr-3378	65	18	without	without	ADP
fsr-3378	65	19	children	child	NOUN
fsr-3378	65	20	,	,	PUNCT
fsr-3378	65	21	white	white	ADJ
fsr-3378	65	22	,	,	PUNCT
fsr-3378	65	23	and	and	CCONJ
fsr-3378	65	24	male	male	ADJ
fsr-3378	65	25	managed	manage	VERB
fsr-3378	65	26	credit	credit	NOUN
fsr-3378	65	27	better	well	ADV
fsr-3378	65	28	than	than	ADP
fsr-3378	65	29	individuals	individual	NOUN
fsr-3378	65	30	with	with	ADP
fsr-3378	65	31	lower	low	ADJ
fsr-3378	65	32	incomes	income	NOUN
fsr-3378	65	33	,	,	PUNCT
fsr-3378	65	34	less	less	ADJ
fsr-3378	65	35	education	education	NOUN
fsr-3378	65	36	,	,	PUNCT
fsr-3378	65	37	and	and	CCONJ
fsr-3378	65	38	those	those	PRON
fsr-3378	65	39	who	who	PRON
fsr-3378	65	40	were	be	AUX
fsr-3378	65	41	single	single	ADJ
fsr-3378	65	42	parents	parent	NOUN
fsr-3378	65	43	,	,	PUNCT
fsr-3378	65	44	minorities	minority	NOUN
fsr-3378	65	45	,	,	PUNCT
fsr-3378	65	46	females	female	NOUN
fsr-3378	65	47	,	,	PUNCT
fsr-3378	65	48	and	and	CCONJ
fsr-3378	65	49	young	young	ADJ
fsr-3378	65	50	adults	adult	NOUN
fsr-3378	65	51	.	.	PUNCT
fsr-3378	66	1	javine	javine	NOUN
fsr-3378	66	2	(	(	PUNCT
fsr-3378	66	3	2013	2013	NUM
fsr-3378	66	4	)	)	PUNCT
fsr-3378	66	5	surveyed	survey	VERB
fsr-3378	66	6	521	521	NUM
fsr-3378	66	7	students	student	NOUN
fsr-3378	66	8	and	and	CCONJ
fsr-3378	66	9	determined	determine	VERB
fsr-3378	66	10	that	that	SCONJ
fsr-3378	66	11	key	key	ADJ
fsr-3378	66	12	demographic	demographic	ADJ
fsr-3378	66	13	factors	factor	NOUN
fsr-3378	66	14	predict	predict	VERB
fsr-3378	66	15	the	the	DET
fsr-3378	66	16	level	level	NOUN
fsr-3378	66	17	of	of	ADP
fsr-3378	66	18	student	student	NOUN
fsr-3378	66	19	-	-	PUNCT
fsr-3378	66	20	loan	loan	NOUN
fsr-3378	66	21	debt	debt	NOUN
fsr-3378	66	22	.	.	PUNCT
fsr-3378	67	1	african	african	PROPN
fsr-3378	67	2	americans	americans	PROPN
fsr-3378	67	3	,	,	PUNCT
fsr-3378	67	4	first	first	ADJ
fsr-3378	67	5	-	-	PUNCT
fsr-3378	67	6	generation	generation	NOUN
fsr-3378	67	7	college	college	NOUN
fsr-3378	67	8	students	student	NOUN
fsr-3378	67	9	,	,	PUNCT
fsr-3378	67	10	financially	financially	ADV
fsr-3378	67	11	independent	independent	ADJ
fsr-3378	67	12	students	student	NOUN
fsr-3378	67	13	,	,	PUNCT
fsr-3378	67	14	those	those	PRON
fsr-3378	67	15	in	in	ADP
fsr-3378	67	16	a	a	DET
fsr-3378	67	17	later	later	ADJ
fsr-3378	67	18	year	year	NOUN
fsr-3378	67	19	in	in	ADP
fsr-3378	67	20	school	school	NOUN
fsr-3378	67	21	,	,	PUNCT
fsr-3378	67	22	those	those	PRON
fsr-3378	67	23	with	with	ADP
fsr-3378	67	24	lower	low	ADJ
fsr-3378	67	25	incomes	income	NOUN
fsr-3378	67	26	,	,	PUNCT
fsr-3378	67	27	and	and	CCONJ
fsr-3378	67	28	students	student	NOUN
fsr-3378	67	29	with	with	ADP
fsr-3378	67	30	lower	low	ADJ
fsr-3378	67	31	gpas	gpa	NOUN
fsr-3378	67	32	tend	tend	VERB
fsr-3378	67	33	to	to	PART
fsr-3378	67	34	have	have	VERB
fsr-3378	67	35	more	more	ADJ
fsr-3378	67	36	student	student	NOUN
fsr-3378	67	37	-	-	PUNCT
fsr-3378	67	38	loan	loan	NOUN
fsr-3378	67	39	debt	debt	NOUN
fsr-3378	67	40	.	.	PUNCT
fsr-3378	68	1	she	she	PRON
fsr-3378	68	2	observed	observe	VERB
fsr-3378	68	3	that	that	SCONJ
fsr-3378	68	4	students	student	NOUN
fsr-3378	68	5	4	4	NUM
fsr-3378	68	6	l.d	l.d	PROPN
fsr-3378	68	7	.	.	PROPN
fsr-3378	68	8	smith	smith	PROPN
fsr-3378	68	9	et	et	PROPN
fsr-3378	68	10	al	al	PROPN
fsr-3378	68	11	.	.	PUNCT
fsr-3378	68	12	/	/	SYM
fsr-3378	68	13	financial	financial	ADJ
fsr-3378	68	14	services	service	NOUN
fsr-3378	68	15	review	review	VERB
fsr-3378	68	16	27	27	NUM
fsr-3378	68	17	(	(	PUNCT
fsr-3378	68	18	2018	2018	NUM
fsr-3378	68	19	)	)	PUNCT
fsr-3378	68	20	1	1	NUM
fsr-3378	68	21	-	-	SYM
fsr-3378	68	22	28	28	NUM
fsr-3378	68	23	who	who	PRON
fsr-3378	68	24	were	be	AUX
fsr-3378	68	25	assessed	assess	VERB
fsr-3378	68	26	as	as	ADP
fsr-3378	68	27	having	have	VERB
fsr-3378	68	28	greater	great	ADJ
fsr-3378	68	29	financial	financial	ADJ
fsr-3378	68	30	knowledge	knowledge	NOUN
fsr-3378	68	31	were	be	AUX
fsr-3378	68	32	more	more	ADV
fsr-3378	68	33	likely	likely	ADJ
fsr-3378	68	34	to	to	PART
fsr-3378	68	35	have	have	VERB
fsr-3378	68	36	student	student	NOUN
fsr-3378	68	37	loans	loan	NOUN
fsr-3378	68	38	in	in	ADP
fsr-3378	68	39	excess	excess	NOUN
fsr-3378	68	40	of	of	ADP
fsr-3378	68	41	$	$	SYM
fsr-3378	68	42	10,000	10,000	NUM
fsr-3378	68	43	.	.	PUNCT
fsr-3378	69	1	smith	smith	PROPN
fsr-3378	69	2	,	,	PUNCT
fsr-3378	69	3	finke	finke	PROPN
fsr-3378	69	4	,	,	PUNCT
fsr-3378	69	5	and	and	CCONJ
fsr-3378	69	6	huston	huston	PROPN
fsr-3378	69	7	(	(	PUNCT
fsr-3378	69	8	2012	2012	NUM
fsr-3378	69	9	)	)	PUNCT
fsr-3378	69	10	studied	study	VERB
fsr-3378	69	11	the	the	DET
fsr-3378	69	12	increasing	increase	VERB
fsr-3378	69	13	tendency	tendency	NOUN
fsr-3378	69	14	of	of	ADP
fsr-3378	69	15	older	old	ADJ
fsr-3378	69	16	adults	adult	NOUN
fsr-3378	69	17	to	to	PART
fsr-3378	69	18	carry	carry	VERB
fsr-3378	69	19	mortgage	mortgage	NOUN
fsr-3378	69	20	debt	debt	NOUN
fsr-3378	69	21	.	.	PUNCT
fsr-3378	70	1	they	they	PRON
fsr-3378	70	2	concluded	conclude	VERB
fsr-3378	70	3	that	that	SCONJ
fsr-3378	70	4	rather	rather	ADV
fsr-3378	70	5	than	than	ADP
fsr-3378	70	6	being	be	AUX
fsr-3378	70	7	a	a	DET
fsr-3378	70	8	prelude	prelude	NOUN
fsr-3378	70	9	to	to	ADP
fsr-3378	70	10	financial	financial	ADJ
fsr-3378	70	11	disaster	disaster	NOUN
fsr-3378	70	12	for	for	ADP
fsr-3378	70	13	these	these	DET
fsr-3378	70	14	individuals	individual	NOUN
fsr-3378	70	15	and	and	CCONJ
fsr-3378	70	16	a	a	DET
fsr-3378	70	17	result	result	NOUN
fsr-3378	70	18	of	of	ADP
fsr-3378	70	19	a	a	DET
fsr-3378	70	20	change	change	NOUN
fsr-3378	70	21	in	in	ADP
fsr-3378	70	22	attitudes	attitude	NOUN
fsr-3378	70	23	against	against	ADP
fsr-3378	70	24	savings	saving	NOUN
fsr-3378	70	25	and	and	CCONJ
fsr-3378	70	26	thrift	thrift	NOUN
fsr-3378	70	27	,	,	PUNCT
fsr-3378	70	28	the	the	DET
fsr-3378	70	29	steady	steady	ADJ
fsr-3378	70	30	increase	increase	NOUN
fsr-3378	70	31	in	in	ADP
fsr-3378	70	32	mortgage	mortgage	NOUN
fsr-3378	70	33	debt	debt	NOUN
fsr-3378	70	34	and	and	CCONJ
fsr-3378	70	35	housing	housing	NOUN
fsr-3378	70	36	leverage	leverage	NOUN
fsr-3378	70	37	among	among	ADP
fsr-3378	70	38	americans	americans	PROPN
fsr-3378	70	39	close	close	ADJ
fsr-3378	70	40	to	to	ADP
fsr-3378	70	41	retirement	retirement	NOUN
fsr-3378	70	42	age	age	NOUN
fsr-3378	70	43	is	be	AUX
fsr-3378	70	44	evidence	evidence	NOUN
fsr-3378	70	45	of	of	ADP
fsr-3378	70	46	their	their	PRON
fsr-3378	70	47	greater	great	ADJ
fsr-3378	70	48	financial	financial	ADJ
fsr-3378	70	49	literacy	literacy	NOUN
fsr-3378	70	50	and	and	CCONJ
fsr-3378	70	51	sophistication	sophistication	NOUN
fsr-3378	70	52	in	in	ADP
fsr-3378	70	53	allocating	allocate	VERB
fsr-3378	70	54	resources	resource	NOUN
fsr-3378	70	55	and	and	CCONJ
fsr-3378	70	56	taking	take	VERB
fsr-3378	70	57	advantage	advantage	NOUN
fsr-3378	70	58	of	of	ADP
fsr-3378	70	59	tax	tax	NOUN
fsr-3378	70	60	incentives	incentive	NOUN
fsr-3378	70	61	.	.	PUNCT
fsr-3378	71	1	in	in	ADP
fsr-3378	71	2	7,592	7,592	NUM
fsr-3378	71	3	survey	survey	NOUN
fsr-3378	71	4	responses	response	NOUN
fsr-3378	71	5	from	from	ADP
fsr-3378	71	6	the	the	DET
fsr-3378	71	7	panel	panel	NOUN
fsr-3378	71	8	study	study	NOUN
fsr-3378	71	9	of	of	ADP
fsr-3378	71	10	income	income	NOUN
fsr-3378	71	11	dynamics	dynamic	NOUN
fsr-3378	71	12	between	between	ADP
fsr-3378	71	13	1968	1968	NUM
fsr-3378	71	14	and	and	CCONJ
fsr-3378	71	15	2003	2003	NUM
fsr-3378	71	16	,	,	PUNCT
fsr-3378	71	17	grafova	grafova	X
fsr-3378	71	18	(	(	PUNCT
fsr-3378	71	19	2007	2007	NUM
fsr-3378	71	20	)	)	PUNCT
fsr-3378	71	21	reported	report	VERB
fsr-3378	71	22	that	that	SCONJ
fsr-3378	71	23	noncollateralized	noncollateralize	VERB
fsr-3378	71	24	debt	debt	NOUN
fsr-3378	71	25	obligations	obligation	NOUN
fsr-3378	71	26	(	(	PUNCT
fsr-3378	71	27	from	from	ADP
fsr-3378	71	28	credit	credit	NOUN
fsr-3378	71	29	cards	card	NOUN
fsr-3378	71	30	,	,	PUNCT
fsr-3378	71	31	student	student	NOUN
fsr-3378	71	32	loans	loan	NOUN
fsr-3378	71	33	,	,	PUNCT
fsr-3378	71	34	medical	medical	ADJ
fsr-3378	71	35	or	or	CCONJ
fsr-3378	71	36	legal	legal	ADJ
fsr-3378	71	37	bills	bill	NOUN
fsr-3378	71	38	,	,	PUNCT
fsr-3378	71	39	loans	loan	NOUN
fsr-3378	71	40	from	from	ADP
fsr-3378	71	41	relatives	relative	NOUN
fsr-3378	71	42	,	,	PUNCT
fsr-3378	71	43	etc	etc	X
fsr-3378	71	44	.	.	X
fsr-3378	71	45	)	)	PUNCT
fsr-3378	71	46	were	be	AUX
fsr-3378	71	47	more	more	ADV
fsr-3378	71	48	likely	likely	ADJ
fsr-3378	71	49	to	to	PART
fsr-3378	71	50	be	be	AUX
fsr-3378	71	51	used	use	VERB
fsr-3378	71	52	by	by	ADP
fsr-3378	71	53	individuals	individual	NOUN
fsr-3378	71	54	with	with	ADP
fsr-3378	71	55	unhealthy	unhealthy	ADJ
fsr-3378	71	56	lifestyles	lifestyle	NOUN
fsr-3378	71	57	or	or	CCONJ
fsr-3378	71	58	conditions	condition	NOUN
fsr-3378	71	59	(	(	PUNCT
fsr-3378	71	60	smoking	smoking	NOUN
fsr-3378	71	61	,	,	PUNCT
fsr-3378	71	62	obesity	obesity	NOUN
fsr-3378	71	63	)	)	PUNCT
fsr-3378	71	64	.	.	PUNCT
fsr-3378	72	1	while	while	SCONJ
fsr-3378	72	2	recognizing	recognize	VERB
fsr-3378	72	3	this	this	DET
fsr-3378	72	4	relationship	relationship	NOUN
fsr-3378	72	5	,	,	PUNCT
fsr-3378	72	6	the	the	DET
fsr-3378	72	7	author	author	NOUN
fsr-3378	72	8	judged	judge	VERB
fsr-3378	72	9	that	that	SCONJ
fsr-3378	72	10	other	other	ADJ
fsr-3378	72	11	factors	factor	NOUN
fsr-3378	72	12	(	(	PUNCT
fsr-3378	72	13	liquidity	liquidity	NOUN
fsr-3378	72	14	constraints	constraint	NOUN
fsr-3378	72	15	,	,	PUNCT
fsr-3378	72	16	time	time	NOUN
fsr-3378	72	17	preference	preference	NOUN
fsr-3378	72	18	,	,	PUNCT
fsr-3378	72	19	risk	risk	NOUN
fsr-3378	72	20	aversion	aversion	NOUN
fsr-3378	72	21	,	,	PUNCT
fsr-3378	72	22	hyperbolic	hyperbolic	ADJ
fsr-3378	72	23	discounting	discounting	NOUN
fsr-3378	72	24	,	,	PUNCT
fsr-3378	72	25	and	and	CCONJ
fsr-3378	72	26	less	less	ADJ
fsr-3378	72	27	self	self	NOUN
fsr-3378	72	28	-	-	PUNCT
fsr-3378	72	29	control	control	NOUN
fsr-3378	72	30	)	)	PUNCT
fsr-3378	72	31	may	may	AUX
fsr-3378	72	32	be	be	AUX
fsr-3378	72	33	more	more	ADV
fsr-3378	72	34	directly	directly	ADV
fsr-3378	72	35	related	relate	VERB
fsr-3378	72	36	to	to	PART
fsr-3378	72	37	use	use	VERB
fsr-3378	72	38	and	and	CCONJ
fsr-3378	72	39	management	management	NOUN
fsr-3378	72	40	of	of	ADP
fsr-3378	72	41	credit	credit	NOUN
fsr-3378	72	42	.	.	PUNCT
fsr-3378	73	1	2.2	2.2	NUM
fsr-3378	73	2	.	.	PUNCT
fsr-3378	73	3	proneness	proneness	NOUN
fsr-3378	73	4	to	to	ADP
fsr-3378	73	5	delinquencies	delinquency	NOUN
fsr-3378	73	6	and	and	CCONJ
fsr-3378	73	7	defaults	default	NOUN
fsr-3378	73	8	sullivan	sullivan	PROPN
fsr-3378	73	9	,	,	PUNCT
fsr-3378	73	10	warren	warren	PROPN
fsr-3378	73	11	,	,	PUNCT
fsr-3378	73	12	and	and	CCONJ
fsr-3378	73	13	westbrook	westbrook	PROPN
fsr-3378	73	14	(	(	PUNCT
fsr-3378	73	15	2006	2006	NUM
fsr-3378	73	16	)	)	PUNCT
fsr-3378	73	17	examined	examine	VERB
fsr-3378	73	18	bankruptcy	bankruptcy	NOUN
fsr-3378	73	19	filings	filing	NOUN
fsr-3378	73	20	over	over	ADP
fsr-3378	73	21	three	three	NUM
fsr-3378	73	22	decades	decade	NOUN
fsr-3378	73	23	and	and	CCONJ
fsr-3378	73	24	concluded	conclude	VERB
fsr-3378	73	25	that	that	SCONJ
fsr-3378	73	26	general	general	ADJ
fsr-3378	73	27	financial	financial	ADJ
fsr-3378	73	28	distress	distress	NOUN
fsr-3378	73	29	is	be	AUX
fsr-3378	73	30	related	relate	VERB
fsr-3378	73	31	to	to	ADP
fsr-3378	73	32	loss	loss	NOUN
fsr-3378	73	33	of	of	ADP
fsr-3378	73	34	income	income	NOUN
fsr-3378	73	35	,	,	PUNCT
fsr-3378	73	36	more	more	ADV
fsr-3378	73	37	lenient	lenient	ADJ
fsr-3378	73	38	lending	lending	NOUN
fsr-3378	73	39	practices	practice	NOUN
fsr-3378	73	40	,	,	PUNCT
fsr-3378	73	41	and	and	CCONJ
fsr-3378	73	42	decline	decline	VERB
fsr-3378	73	43	in	in	ADP
fsr-3378	73	44	housing	housing	NOUN
fsr-3378	73	45	values	value	NOUN
fsr-3378	73	46	(	(	PUNCT
fsr-3378	73	47	i.e.	i.e.	X
fsr-3378	73	48	,	,	PUNCT
fsr-3378	73	49	personal	personal	ADJ
fsr-3378	73	50	financial	financial	ADJ
fsr-3378	73	51	circumstances	circumstance	NOUN
fsr-3378	73	52	,	,	PUNCT
fsr-3378	73	53	macroeconomic	macroeconomic	ADJ
fsr-3378	73	54	factors	factor	NOUN
fsr-3378	73	55	,	,	PUNCT
fsr-3378	73	56	and	and	CCONJ
fsr-3378	73	57	business	business	NOUN
fsr-3378	73	58	practices	practice	NOUN
fsr-3378	73	59	of	of	ADP
fsr-3378	73	60	financial	financial	ADJ
fsr-3378	73	61	institutions	institution	NOUN
fsr-3378	73	62	)	)	PUNCT
fsr-3378	73	63	.	.	PUNCT
fsr-3378	74	1	ratcliffe	ratcliffe	PROPN
fsr-3378	74	2	et	et	PROPN
fsr-3378	74	3	al	al	PROPN
fsr-3378	74	4	.	.	PROPN
fsr-3378	75	1	(	(	PUNCT
fsr-3378	75	2	2014	2014	NUM
fsr-3378	75	3	)	)	PUNCT
fsr-3378	75	4	examined	examine	VERB
fsr-3378	75	5	the	the	DET
fsr-3378	75	6	nature	nature	NOUN
fsr-3378	75	7	and	and	CCONJ
fsr-3378	75	8	geographic	geographic	ADJ
fsr-3378	75	9	distribution	distribution	NOUN
fsr-3378	75	10	of	of	ADP
fsr-3378	75	11	current	current	ADJ
fsr-3378	75	12	financial	financial	ADJ
fsr-3378	75	13	distress	distress	NOUN
fsr-3378	75	14	in	in	ADP
fsr-3378	75	15	the	the	DET
fsr-3378	75	16	united	united	PROPN
fsr-3378	75	17	states	states	PROPN
fsr-3378	75	18	.	.	PUNCT
fsr-3378	76	1	using	use	VERB
fsr-3378	76	2	transunion	transunion	NOUN
fsr-3378	76	3	credit	credit	NOUN
fsr-3378	76	4	reports	report	NOUN
fsr-3378	76	5	from	from	ADP
fsr-3378	76	6	september	september	PROPN
fsr-3378	76	7	2013	2013	NUM
fsr-3378	76	8	,	,	PUNCT
fsr-3378	76	9	they	they	PRON
fsr-3378	76	10	focused	focus	VERB
fsr-3378	76	11	on	on	ADP
fsr-3378	76	12	individuals	individual	NOUN
fsr-3378	76	13	who	who	PRON
fsr-3378	76	14	were	be	AUX
fsr-3378	76	15	at	at	ADV
fsr-3378	76	16	least	least	ADV
fsr-3378	76	17	30	30	NUM
fsr-3378	76	18	days	day	NOUN
fsr-3378	76	19	late	late	ADV
fsr-3378	76	20	on	on	ADP
fsr-3378	76	21	a	a	DET
fsr-3378	76	22	nonmortgage	nonmortgage	NOUN
fsr-3378	76	23	payment	payment	NOUN
fsr-3378	76	24	or	or	CCONJ
fsr-3378	76	25	had	have	VERB
fsr-3378	76	26	debt	debt	NOUN
fsr-3378	76	27	in	in	ADP
fsr-3378	76	28	collections	collection	NOUN
fsr-3378	76	29	.	.	PUNCT
fsr-3378	77	1	they	they	PRON
fsr-3378	77	2	estimated	estimate	VERB
fsr-3378	77	3	that	that	SCONJ
fsr-3378	77	4	nearly	nearly	ADV
fsr-3378	77	5	12	12	NUM
fsr-3378	77	6	million	million	NUM
fsr-3378	77	7	american	american	ADJ
fsr-3378	77	8	adults	adult	NOUN
fsr-3378	77	9	(	(	PUNCT
fsr-3378	77	10	5.3	5.3	NUM
fsr-3378	77	11	%	%	NOUN
fsr-3378	77	12	with	with	ADP
fsr-3378	77	13	a	a	DET
fsr-3378	77	14	credit	credit	NOUN
fsr-3378	77	15	file	file	NOUN
fsr-3378	77	16	)	)	PUNCT
fsr-3378	77	17	,	,	PUNCT
fsr-3378	77	18	have	have	VERB
fsr-3378	77	19	nonmortgage	nonmortgage	NOUN
fsr-3378	77	20	debt	debt	NOUN
fsr-3378	77	21	past	past	ADP
fsr-3378	77	22	due	due	ADJ
fsr-3378	77	23	with	with	ADP
fsr-3378	77	24	an	an	DET
fsr-3378	77	25	average	average	ADJ
fsr-3378	77	26	past	past	NOUN
fsr-3378	77	27	due	due	ADJ
fsr-3378	77	28	balance	balance	NOUN
fsr-3378	77	29	of	of	ADP
fsr-3378	77	30	$	$	SYM
fsr-3378	77	31	2,258	2,258	NUM
fsr-3378	77	32	.	.	PUNCT
fsr-3378	78	1	further	far	ADV
fsr-3378	78	2	,	,	PUNCT
fsr-3378	78	3	77	77	NUM
fsr-3378	78	4	million	million	NUM
fsr-3378	78	5	american	american	ADJ
fsr-3378	78	6	adults	adult	NOUN
fsr-3378	78	7	(	(	PUNCT
fsr-3378	78	8	35	35	NUM
fsr-3378	78	9	%	%	NOUN
fsr-3378	78	10	of	of	ADP
fsr-3378	78	11	adults	adult	NOUN
fsr-3378	78	12	with	with	ADP
fsr-3378	78	13	a	a	DET
fsr-3378	78	14	credit	credit	NOUN
fsr-3378	78	15	file	file	NOUN
fsr-3378	78	16	)	)	PUNCT
fsr-3378	78	17	,	,	PUNCT
fsr-3378	78	18	had	have	VERB
fsr-3378	78	19	some	some	DET
fsr-3378	78	20	debt	debt	NOUN
fsr-3378	78	21	collection	collection	NOUN
fsr-3378	78	22	activity	activity	NOUN
fsr-3378	78	23	reported	report	VERB
fsr-3378	78	24	on	on	ADP
fsr-3378	78	25	their	their	PRON
fsr-3378	78	26	credit	credit	NOUN
fsr-3378	78	27	reports	report	NOUN
fsr-3378	78	28	with	with	ADP
fsr-3378	78	29	an	an	DET
fsr-3378	78	30	average	average	ADJ
fsr-3378	78	31	“	"	PUNCT
fsr-3378	78	32	debt	debt	NOUN
fsr-3378	78	33	in	in	ADP
fsr-3378	78	34	collections	collection	NOUN
fsr-3378	78	35	or	or	CCONJ
fsr-3378	78	36	charged	charge	VERB
fsr-3378	78	37	-	-	PUNCT
fsr-3378	78	38	off	off	ADP
fsr-3378	78	39	”	"	PUNCT
fsr-3378	78	40	amount	amount	NOUN
fsr-3378	78	41	owed	owe	VERB
fsr-3378	78	42	of	of	ADP
fsr-3378	78	43	$	$	SYM
fsr-3378	78	44	5,178	5,178	NUM
fsr-3378	78	45	.	.	PUNCT
fsr-3378	79	1	both	both	DET
fsr-3378	79	2	debt	debt	NOUN
fsr-3378	79	3	reported	report	VERB
fsr-3378	79	4	past	past	ADP
fsr-3378	79	5	due	due	ADJ
fsr-3378	79	6	and	and	CCONJ
fsr-3378	79	7	debt	debt	NOUN
fsr-3378	79	8	collection	collection	NOUN
fsr-3378	79	9	activity	activity	NOUN
fsr-3378	79	10	were	be	AUX
fsr-3378	79	11	more	more	ADV
fsr-3378	79	12	concentrated	concentrated	ADJ
fsr-3378	79	13	in	in	ADP
fsr-3378	79	14	the	the	DET
fsr-3378	79	15	south	south	NOUN
fsr-3378	79	16	,	,	PUNCT
fsr-3378	79	17	where	where	SCONJ
fsr-3378	79	18	the	the	DET
fsr-3378	79	19	aftermath	aftermath	NOUN
fsr-3378	79	20	of	of	ADP
fsr-3378	79	21	the	the	DET
fsr-3378	79	22	housing	housing	NOUN
fsr-3378	79	23	boom	boom	NOUN
fsr-3378	79	24	and	and	CCONJ
fsr-3378	79	25	bust	bust	NOUN
fsr-3378	79	26	was	be	AUX
fsr-3378	79	27	the	the	DET
fsr-3378	79	28	greatest	great	ADJ
fsr-3378	79	29	.	.	PUNCT
fsr-3378	80	1	2.3	2.3	NUM
fsr-3378	80	2	.	.	PUNCT
fsr-3378	81	1	psychological	psychological	ADJ
fsr-3378	81	2	and	and	CCONJ
fsr-3378	81	3	behavioral	behavioral	ADJ
fsr-3378	81	4	linkages	linkage	NOUN
fsr-3378	81	5	to	to	PART
fsr-3378	81	6	use	use	VERB
fsr-3378	81	7	and	and	CCONJ
fsr-3378	81	8	management	management	NOUN
fsr-3378	81	9	of	of	ADP
fsr-3378	81	10	credit	credit	NOUN
fsr-3378	81	11	individual	individual	ADJ
fsr-3378	81	12	psychology	psychology	NOUN
fsr-3378	81	13	and	and	CCONJ
fsr-3378	81	14	attitudes	attitude	NOUN
fsr-3378	81	15	are	be	AUX
fsr-3378	81	16	important	important	ADJ
fsr-3378	81	17	determinants	determinant	NOUN
fsr-3378	81	18	of	of	ADP
fsr-3378	81	19	credit	credit	NOUN
fsr-3378	81	20	utilization	utilization	NOUN
fsr-3378	81	21	and	and	CCONJ
fsr-3378	81	22	management	management	NOUN
fsr-3378	81	23	of	of	ADP
fsr-3378	81	24	debt	debt	NOUN
fsr-3378	81	25	.	.	PUNCT
fsr-3378	82	1	norvilitis	norvilitis	PROPN
fsr-3378	82	2	and	and	CCONJ
fsr-3378	82	3	maclean	maclean	PROPN
fsr-3378	82	4	(	(	PUNCT
fsr-3378	82	5	2010	2010	NUM
fsr-3378	82	6	)	)	PUNCT
fsr-3378	82	7	link	link	PROPN
fsr-3378	82	8	college	college	NOUN
fsr-3378	82	9	students	student	NOUN
fsr-3378	82	10	’	’	PART
fsr-3378	82	11	debt	debt	NOUN
fsr-3378	82	12	levels	level	NOUN
fsr-3378	82	13	to	to	ADP
fsr-3378	82	14	the	the	DET
fsr-3378	82	15	students	student	NOUN
fsr-3378	82	16	’	'	PUNCT
fsr-3378	82	17	general	general	ADJ
fsr-3378	82	18	reluctance	reluctance	NOUN
fsr-3378	82	19	to	to	PART
fsr-3378	82	20	delay	delay	VERB
fsr-3378	82	21	gratification	gratification	NOUN
fsr-3378	82	22	,	,	PUNCT
fsr-3378	82	23	financial	financial	ADJ
fsr-3378	82	24	education	education	NOUN
fsr-3378	82	25	received	receive	VERB
fsr-3378	82	26	from	from	ADP
fsr-3378	82	27	parents	parent	NOUN
fsr-3378	82	28	,	,	PUNCT
fsr-3378	82	29	and	and	CCONJ
fsr-3378	82	30	the	the	DET
fsr-3378	82	31	students	student	NOUN
fsr-3378	82	32	’	'	PUNCT
fsr-3378	82	33	beliefs	belief	NOUN
fsr-3378	82	34	about	about	ADP
fsr-3378	82	35	whether	whether	SCONJ
fsr-3378	82	36	parents	parent	NOUN
fsr-3378	82	37	would	would	AUX
fsr-3378	82	38	help	help	VERB
fsr-3378	82	39	out	out	ADP
fsr-3378	82	40	if	if	SCONJ
fsr-3378	82	41	they	they	PRON
fsr-3378	82	42	should	should	AUX
fsr-3378	82	43	become	become	VERB
fsr-3378	82	44	overextended	overextended	ADJ
fsr-3378	82	45	.	.	PUNCT
fsr-3378	83	1	individual	individual	ADJ
fsr-3378	83	2	attitudes	attitude	NOUN
fsr-3378	83	3	toward	toward	ADP
fsr-3378	83	4	money	money	NOUN
fsr-3378	83	5	,	,	PUNCT
fsr-3378	83	6	determinants	determinant	NOUN
fsr-3378	83	7	of	of	ADP
fsr-3378	83	8	social	social	ADJ
fsr-3378	83	9	standing	standing	NOUN
fsr-3378	83	10	,	,	PUNCT
fsr-3378	83	11	and	and	CCONJ
fsr-3378	83	12	disposition	disposition	NOUN
fsr-3378	83	13	to	to	ADP
fsr-3378	83	14	financial	financial	ADJ
fsr-3378	83	15	risk	risk	NOUN
fsr-3378	83	16	have	have	AUX
fsr-3378	83	17	been	be	AUX
fsr-3378	83	18	related	relate	VERB
fsr-3378	83	19	to	to	ADP
fsr-3378	83	20	personal	personal	ADJ
fsr-3378	83	21	financial	financial	ADJ
fsr-3378	83	22	decisions	decision	NOUN
fsr-3378	83	23	,	,	PUNCT
fsr-3378	83	24	spending	spend	VERB
fsr-3378	83	25	patterns	pattern	NOUN
fsr-3378	83	26	and	and	CCONJ
fsr-3378	83	27	management	management	NOUN
fsr-3378	83	28	of	of	ADP
fsr-3378	83	29	credit	credit	NOUN
fsr-3378	83	30	(	(	PUNCT
fsr-3378	83	31	engelberg	engelberg	NOUN
fsr-3378	83	32	and	and	CCONJ
fsr-3378	83	33	sjoberg	sjoberg	NOUN
fsr-3378	83	34	,	,	PUNCT
fsr-3378	83	35	2007	2007	NUM
fsr-3378	83	36	;	;	PUNCT
fsr-3378	83	37	tang	tang	PROPN
fsr-3378	83	38	,	,	PUNCT
fsr-3378	83	39	1992	1992	NUM
fsr-3378	83	40	)	)	PUNCT
fsr-3378	83	41	.	.	PUNCT
fsr-3378	84	1	in	in	ADP
fsr-3378	84	2	surveys	survey	NOUN
fsr-3378	84	3	of	of	ADP
fsr-3378	84	4	1,000	1,000	NUM
fsr-3378	84	5	service	service	NOUN
fsr-3378	84	6	personnel	personnel	NOUN
fsr-3378	84	7	ready	ready	ADJ
fsr-3378	84	8	for	for	ADP
fsr-3378	84	9	deployment	deployment	NOUN
fsr-3378	84	10	in	in	ADP
fsr-3378	84	11	2010	2010	NUM
fsr-3378	84	12	,	,	PUNCT
fsr-3378	84	13	bell	bell	NOUN
fsr-3378	84	14	et	et	PROPN
fsr-3378	84	15	al	al	PROPN
fsr-3378	84	16	.	.	PROPN
fsr-3378	85	1	(	(	PUNCT
fsr-3378	85	2	2014	2014	NUM
fsr-3378	85	3	)	)	PUNCT
fsr-3378	85	4	found	find	VERB
fsr-3378	85	5	less	less	ADJ
fsr-3378	85	6	anxiety	anxiety	NOUN
fsr-3378	85	7	and	and	CCONJ
fsr-3378	85	8	a	a	DET
fsr-3378	85	9	better	well	ADJ
fsr-3378	85	10	sense	sense	NOUN
fsr-3378	85	11	of	of	ADP
fsr-3378	85	12	well	well	ADV
fsr-3378	85	13	-	-	PUNCT
fsr-3378	85	14	being	being	NOUN
fsr-3378	85	15	among	among	ADP
fsr-3378	85	16	soldiers	soldier	NOUN
fsr-3378	85	17	who	who	PRON
fsr-3378	85	18	had	have	VERB
fsr-3378	85	19	resources	resource	NOUN
fsr-3378	85	20	available	available	ADJ
fsr-3378	85	21	for	for	ADP
fsr-3378	85	22	a	a	DET
fsr-3378	85	23	financial	financial	ADJ
fsr-3378	85	24	emergency	emergency	NOUN
fsr-3378	85	25	,	,	PUNCT
fsr-3378	85	26	higher	high	ADJ
fsr-3378	85	27	levels	level	NOUN
fsr-3378	85	28	of	of	ADP
fsr-3378	85	29	self	self	NOUN
fsr-3378	85	30	-	-	PUNCT
fsr-3378	85	31	assessed	assess	VERB
fsr-3378	85	32	net	net	ADJ
fsr-3378	85	33	worth	worth	NOUN
fsr-3378	85	34	,	,	PUNCT
fsr-3378	85	35	and	and	CCONJ
fsr-3378	85	36	higher	high	ADJ
fsr-3378	85	37	5l.d	5l.d	NUM
fsr-3378	85	38	.	.	PUNCT
fsr-3378	86	1	smith	smith	PROPN
fsr-3378	86	2	et	et	PROPN
fsr-3378	86	3	al	al	PROPN
fsr-3378	86	4	.	.	PUNCT
fsr-3378	86	5	/	/	SYM
fsr-3378	86	6	financial	financial	ADJ
fsr-3378	86	7	services	service	NOUN
fsr-3378	86	8	review	review	VERB
fsr-3378	86	9	27	27	NUM
fsr-3378	86	10	(	(	PUNCT
fsr-3378	86	11	2018	2018	NUM
fsr-3378	86	12	)	)	PUNCT
fsr-3378	86	13	1	1	NUM
fsr-3378	86	14	-	-	SYM
fsr-3378	86	15	28	28	NUM
fsr-3378	86	16	perceived	perceive	VERB
fsr-3378	86	17	financial	financial	ADJ
fsr-3378	86	18	knowledge	knowledge	NOUN
fsr-3378	86	19	.	.	PUNCT
fsr-3378	87	1	those	those	PRON
fsr-3378	87	2	with	with	ADP
fsr-3378	87	3	high	high	ADJ
fsr-3378	87	4	credit	credit	NOUN
fsr-3378	87	5	-	-	PUNCT
fsr-3378	87	6	card	card	NOUN
fsr-3378	87	7	debt	debt	NOUN
fsr-3378	87	8	and	and	CCONJ
fsr-3378	87	9	large	large	ADJ
fsr-3378	87	10	amounts	amount	NOUN
fsr-3378	87	11	due	due	ADJ
fsr-3378	87	12	on	on	ADP
fsr-3378	87	13	automobile	automobile	NOUN
fsr-3378	87	14	loans	loan	NOUN
fsr-3378	87	15	felt	feel	VERB
fsr-3378	87	16	more	more	ADV
fsr-3378	87	17	personal	personal	ADJ
fsr-3378	87	18	stress	stress	NOUN
fsr-3378	87	19	.	.	PUNCT
fsr-3378	88	1	archuleta	archuleta	NOUN
fsr-3378	88	2	,	,	PUNCT
fsr-3378	88	3	dale	dale	NOUN
fsr-3378	88	4	,	,	PUNCT
fsr-3378	88	5	and	and	CCONJ
fsr-3378	88	6	spann	spann	PROPN
fsr-3378	88	7	(	(	PUNCT
fsr-3378	88	8	2013	2013	NUM
fsr-3378	88	9	)	)	PUNCT
fsr-3378	88	10	surveyed	survey	VERB
fsr-3378	88	11	students	student	NOUN
fsr-3378	88	12	who	who	PRON
fsr-3378	88	13	sought	seek	VERB
fsr-3378	88	14	financial	financial	ADJ
fsr-3378	88	15	counseling	counseling	NOUN
fsr-3378	88	16	and	and	CCONJ
fsr-3378	88	17	report	report	VERB
fsr-3378	88	18	that	that	SCONJ
fsr-3378	88	19	subjective	subjective	ADJ
fsr-3378	88	20	self	self	NOUN
fsr-3378	88	21	-	-	PUNCT
fsr-3378	88	22	assessments	assessment	NOUN
fsr-3378	88	23	of	of	ADP
fsr-3378	88	24	financial	financial	ADJ
fsr-3378	88	25	status	status	NOUN
fsr-3378	88	26	are	be	AUX
fsr-3378	88	27	more	more	ADV
fsr-3378	88	28	important	important	ADJ
fsr-3378	88	29	than	than	ADP
fsr-3378	88	30	actual	actual	ADJ
fsr-3378	88	31	credit	credit	NOUN
fsr-3378	88	32	-	-	PUNCT
fsr-3378	88	33	card	card	NOUN
fsr-3378	88	34	debt	debt	NOUN
fsr-3378	88	35	and	and	CCONJ
fsr-3378	88	36	student	student	NOUN
fsr-3378	88	37	loans	loan	NOUN
fsr-3378	88	38	in	in	ADP
fsr-3378	88	39	predicting	predict	VERB
fsr-3378	88	40	individual	individual	ADJ
fsr-3378	88	41	levels	level	NOUN
fsr-3378	88	42	of	of	ADP
fsr-3378	88	43	financial	financial	ADJ
fsr-3378	88	44	anxiety	anxiety	NOUN
fsr-3378	88	45	.	.	PUNCT
fsr-3378	89	1	2.4	2.4	NUM
fsr-3378	89	2	.	.	PUNCT
fsr-3378	90	1	personal	personal	ADJ
fsr-3378	90	2	bankruptcy	bankruptcy	NOUN
fsr-3378	90	3	how	how	SCONJ
fsr-3378	90	4	individuals	individual	NOUN
fsr-3378	90	5	cope	cope	VERB
fsr-3378	90	6	with	with	ADP
fsr-3378	90	7	overwhelming	overwhelming	ADJ
fsr-3378	90	8	debt	debt	NOUN
fsr-3378	90	9	is	be	AUX
fsr-3378	90	10	a	a	DET
fsr-3378	90	11	topic	topic	NOUN
fsr-3378	90	12	in	in	ADP
fsr-3378	90	13	itself	itself	PRON
fsr-3378	90	14	.	.	PUNCT
fsr-3378	91	1	fay	fay	PROPN
fsr-3378	91	2	,	,	PUNCT
fsr-3378	91	3	hurst	hurst	PROPN
fsr-3378	91	4	,	,	PUNCT
fsr-3378	91	5	and	and	CCONJ
fsr-3378	91	6	white	white	ADJ
fsr-3378	91	7	(	(	PUNCT
fsr-3378	91	8	2002	2002	NUM
fsr-3378	91	9	)	)	PUNCT
fsr-3378	91	10	concluded	conclude	VERB
fsr-3378	91	11	that	that	SCONJ
fsr-3378	91	12	a	a	DET
fsr-3378	91	13	personal	personal	ADJ
fsr-3378	91	14	bankruptcy	bankruptcy	NOUN
fsr-3378	91	15	decision	decision	NOUN
fsr-3378	91	16	is	be	AUX
fsr-3378	91	17	primarily	primarily	ADV
fsr-3378	91	18	related	relate	VERB
fsr-3378	91	19	to	to	ADP
fsr-3378	91	20	the	the	DET
fsr-3378	91	21	financial	financial	ADJ
fsr-3378	91	22	benefits	benefit	NOUN
fsr-3378	91	23	versus	versus	ADP
fsr-3378	91	24	the	the	DET
fsr-3378	91	25	costs	cost	NOUN
fsr-3378	91	26	of	of	ADP
fsr-3378	91	27	the	the	DET
fsr-3378	91	28	decision	decision	NOUN
fsr-3378	91	29	and	and	CCONJ
fsr-3378	91	30	also	also	ADV
fsr-3378	91	31	is	be	AUX
fsr-3378	91	32	more	more	ADV
fsr-3378	91	33	likely	likely	ADJ
fsr-3378	91	34	in	in	ADP
fsr-3378	91	35	jurisdictions	jurisdiction	NOUN
fsr-3378	91	36	where	where	SCONJ
fsr-3378	91	37	bankruptcies	bankruptcy	NOUN
fsr-3378	91	38	are	be	AUX
fsr-3378	91	39	more	more	ADV
fsr-3378	91	40	common	common	ADJ
fsr-3378	91	41	.	.	PUNCT
fsr-3378	92	1	consistent	consistent	ADJ
fsr-3378	92	2	with	with	ADP
fsr-3378	92	3	this	this	PRON
fsr-3378	92	4	,	,	PUNCT
fsr-3378	92	5	staten	staten	PROPN
fsr-3378	92	6	(	(	PUNCT
fsr-3378	92	7	1993	1993	NUM
fsr-3378	92	8	)	)	PUNCT
fsr-3378	92	9	found	find	VERB
fsr-3378	92	10	that	that	SCONJ
fsr-3378	92	11	increased	increase	VERB
fsr-3378	92	12	availability	availability	NOUN
fsr-3378	92	13	of	of	ADP
fsr-3378	92	14	credit	credit	NOUN
fsr-3378	92	15	following	follow	VERB
fsr-3378	92	16	bankruptcy	bankruptcy	NOUN
fsr-3378	92	17	(	(	PUNCT
fsr-3378	92	18	because	because	SCONJ
fsr-3378	92	19	of	of	ADP
fsr-3378	92	20	easing	ease	VERB
fsr-3378	92	21	of	of	ADP
fsr-3378	92	22	lending	lending	NOUN
fsr-3378	92	23	practices	practice	NOUN
fsr-3378	92	24	of	of	ADP
fsr-3378	92	25	financial	financial	ADJ
fsr-3378	92	26	institutions	institution	NOUN
fsr-3378	92	27	)	)	PUNCT
fsr-3378	92	28	appeared	appear	VERB
fsr-3378	92	29	to	to	PART
fsr-3378	92	30	reduce	reduce	VERB
fsr-3378	92	31	the	the	DET
fsr-3378	92	32	deterrent	deterrent	NOUN
fsr-3378	92	33	for	for	ADP
fsr-3378	92	34	bankruptcy	bankruptcy	NOUN
fsr-3378	92	35	.	.	PUNCT
fsr-3378	93	1	himmelstein	himmelstein	PROPN
fsr-3378	93	2	,	,	PUNCT
fsr-3378	93	3	warren	warren	PROPN
fsr-3378	93	4	,	,	PUNCT
fsr-3378	93	5	thorne	thorne	PROPN
fsr-3378	93	6	,	,	PUNCT
fsr-3378	93	7	and	and	CCONJ
fsr-3378	93	8	woolhandler	woolhandl	ADJ
fsr-3378	93	9	,	,	PUNCT
fsr-3378	93	10	(	(	PUNCT
fsr-3378	93	11	2005	2005	NUM
fsr-3378	93	12	)	)	PUNCT
fsr-3378	93	13	found	find	VERB
fsr-3378	93	14	that	that	SCONJ
fsr-3378	93	15	unexpected	unexpected	ADJ
fsr-3378	93	16	medical	medical	ADJ
fsr-3378	93	17	bills	bill	NOUN
fsr-3378	93	18	(	(	PUNCT
fsr-3378	93	19	without	without	ADP
fsr-3378	93	20	insurance	insurance	NOUN
fsr-3378	93	21	coverage	coverage	NOUN
fsr-3378	93	22	)	)	PUNCT
fsr-3378	93	23	are	be	AUX
fsr-3378	93	24	significant	significant	ADJ
fsr-3378	93	25	precipitators	precipitator	NOUN
fsr-3378	93	26	of	of	ADP
fsr-3378	93	27	personal	personal	ADJ
fsr-3378	93	28	bankruptcy	bankruptcy	NOUN
fsr-3378	93	29	.	.	PUNCT
fsr-3378	94	1	3	3	X
fsr-3378	94	2	.	.	X
fsr-3378	94	3	research	research	NOUN
fsr-3378	94	4	framework	framework	NOUN
fsr-3378	94	5	and	and	CCONJ
fsr-3378	94	6	methodology	methodology	NOUN
fsr-3378	94	7	the	the	DET
fsr-3378	94	8	previous	previous	ADJ
fsr-3378	94	9	research	research	NOUN
fsr-3378	94	10	suggests	suggest	VERB
fsr-3378	94	11	a	a	DET
fsr-3378	94	12	complex	complex	ADJ
fsr-3378	94	13	interplay	interplay	NOUN
fsr-3378	94	14	of	of	ADP
fsr-3378	94	15	institutional	institutional	ADJ
fsr-3378	94	16	practice	practice	NOUN
fsr-3378	94	17	and	and	CCONJ
fsr-3378	94	18	individual	individual	ADJ
fsr-3378	94	19	behavior	behavior	NOUN
fsr-3378	94	20	which	which	PRON
fsr-3378	94	21	affects	affect	VERB
fsr-3378	94	22	personal	personal	ADJ
fsr-3378	94	23	and	and	CCONJ
fsr-3378	94	24	household	household	NOUN
fsr-3378	94	25	use	use	NOUN
fsr-3378	94	26	of	of	ADP
fsr-3378	94	27	credit	credit	NOUN
fsr-3378	94	28	,	,	PUNCT
fsr-3378	94	29	the	the	DET
fsr-3378	94	30	management	management	NOUN
fsr-3378	94	31	of	of	ADP
fsr-3378	94	32	debt	debt	NOUN
fsr-3378	94	33	,	,	PUNCT
fsr-3378	94	34	and	and	CCONJ
fsr-3378	94	35	maintenance	maintenance	NOUN
fsr-3378	94	36	of	of	ADP
fsr-3378	94	37	credit	credit	NOUN
fsr-3378	94	38	records	record	NOUN
fsr-3378	94	39	that	that	PRON
fsr-3378	94	40	affect	affect	VERB
fsr-3378	94	41	individuals	individual	NOUN
fsr-3378	94	42	’	'	PUNCT
fsr-3378	94	43	financial	financial	ADJ
fsr-3378	94	44	opportunities	opportunity	NOUN
fsr-3378	94	45	.	.	PUNCT
fsr-3378	95	1	in	in	ADP
fsr-3378	95	2	fig	fig	NOUN
fsr-3378	95	3	.	.	PUNCT
fsr-3378	96	1	1	1	NUM
fsr-3378	96	2	we	we	PRON
fsr-3378	96	3	depict	depict	VERB
fsr-3378	96	4	the	the	DET
fsr-3378	96	5	main	main	ADJ
fsr-3378	96	6	elements	element	NOUN
fsr-3378	96	7	.	.	PUNCT
fsr-3378	97	1	the	the	DET
fsr-3378	97	2	use	use	NOUN
fsr-3378	97	3	of	of	ADP
fsr-3378	97	4	credit	credit	NOUN
fsr-3378	97	5	is	be	AUX
fsr-3378	97	6	seen	see	VERB
fsr-3378	97	7	as	as	SCONJ
fsr-3378	97	8	influenced	influence	VERB
fsr-3378	97	9	by	by	ADP
fsr-3378	97	10	several	several	ADJ
fsr-3378	97	11	forces	force	NOUN
fsr-3378	97	12	:	:	PUNCT
fsr-3378	97	13	(	(	PUNCT
fsr-3378	97	14	1	1	X
fsr-3378	97	15	)	)	PUNCT
fsr-3378	97	16	family	family	NOUN
fsr-3378	97	17	resources	resource	NOUN
fsr-3378	97	18	and	and	CCONJ
fsr-3378	97	19	needs	need	NOUN
fsr-3378	97	20	,	,	PUNCT
fsr-3378	97	21	(	(	PUNCT
fsr-3378	97	22	2	2	X
fsr-3378	97	23	)	)	PUNCT
fsr-3378	97	24	personal	personal	ADJ
fsr-3378	97	25	attitudes	attitude	NOUN
fsr-3378	97	26	and	and	CCONJ
fsr-3378	97	27	behavior	behavior	NOUN
fsr-3378	97	28	about	about	ADP
fsr-3378	97	29	consumption	consumption	NOUN
fsr-3378	97	30	,	,	PUNCT
fsr-3378	97	31	investment	investment	NOUN
fsr-3378	97	32	and	and	CCONJ
fsr-3378	97	33	debt	debt	NOUN
fsr-3378	97	34	,	,	PUNCT
fsr-3378	97	35	(	(	PUNCT
fsr-3378	97	36	3	3	X
fsr-3378	97	37	)	)	PUNCT
fsr-3378	97	38	education	education	NOUN
fsr-3378	97	39	about	about	ADP
fsr-3378	97	40	costs	cost	NOUN
fsr-3378	97	41	of	of	ADP
fsr-3378	97	42	credit	credit	NOUN
fsr-3378	97	43	and	and	CCONJ
fsr-3378	97	44	maintenance	maintenance	NOUN
fsr-3378	97	45	of	of	ADP
fsr-3378	97	46	a	a	DET
fsr-3378	97	47	good	good	ADJ
fsr-3378	97	48	credit	credit	NOUN
fsr-3378	97	49	record	record	NOUN
fsr-3378	97	50	,	,	PUNCT
fsr-3378	97	51	(	(	PUNCT
fsr-3378	97	52	4	4	X
fsr-3378	97	53	)	)	PUNCT
fsr-3378	97	54	business	business	NOUN
fsr-3378	97	55	practices	practice	NOUN
fsr-3378	97	56	in	in	ADP
fsr-3378	97	57	the	the	DET
fsr-3378	97	58	sales	sale	NOUN
fsr-3378	97	59	and	and	CCONJ
fsr-3378	97	60	marketing	marketing	NOUN
fsr-3378	97	61	of	of	ADP
fsr-3378	97	62	products	product	NOUN
fsr-3378	97	63	and	and	CCONJ
fsr-3378	97	64	services	service	NOUN
fsr-3378	97	65	and	and	CCONJ
fsr-3378	97	66	competitive	competitive	ADJ
fsr-3378	97	67	promotional	promotional	ADJ
fsr-3378	97	68	efforts	effort	NOUN
fsr-3378	97	69	of	of	ADP
fsr-3378	97	70	financial	financial	ADJ
fsr-3378	97	71	institutions	institution	NOUN
fsr-3378	97	72	,	,	PUNCT
fsr-3378	97	73	(	(	PUNCT
fsr-3378	97	74	5	5	X
fsr-3378	97	75	)	)	PUNCT
fsr-3378	97	76	regulations	regulation	NOUN
fsr-3378	97	77	intended	intend	VERB
fsr-3378	97	78	to	to	PART
fsr-3378	97	79	promote	promote	VERB
fsr-3378	97	80	fair	fair	ADJ
fsr-3378	97	81	lending	lending	NOUN
fsr-3378	97	82	and	and	CCONJ
fsr-3378	97	83	so	so	ADV
fsr-3378	97	84	forth	forth	ADV
fsr-3378	97	85	,	,	PUNCT
fsr-3378	97	86	fig	fig	NOUN
fsr-3378	97	87	.	.	PUNCT
fsr-3378	98	1	1	1	X
fsr-3378	98	2	.	.	X
fsr-3378	98	3	dynamics	dynamic	NOUN
fsr-3378	98	4	of	of	ADP
fsr-3378	98	5	credit	credit	NOUN
fsr-3378	98	6	usage	usage	NOUN
fsr-3378	98	7	,	,	PUNCT
fsr-3378	98	8	debt	debt	NOUN
fsr-3378	98	9	management	management	NOUN
fsr-3378	98	10	,	,	PUNCT
fsr-3378	98	11	and	and	CCONJ
fsr-3378	98	12	maintenance	maintenance	NOUN
fsr-3378	98	13	of	of	ADP
fsr-3378	98	14	individuals	individual	NOUN
fsr-3378	98	15	’	'	PUNCT
fsr-3378	98	16	credit	credit	NOUN
fsr-3378	98	17	records	record	NOUN
fsr-3378	98	18	.	.	PUNCT
fsr-3378	99	1	6	6	NUM
fsr-3378	99	2	l.d	l.d	PROPN
fsr-3378	99	3	.	.	PROPN
fsr-3378	99	4	smith	smith	PROPN
fsr-3378	99	5	et	et	PROPN
fsr-3378	99	6	al	al	PROPN
fsr-3378	99	7	.	.	PUNCT
fsr-3378	99	8	/	/	SYM
fsr-3378	99	9	financial	financial	ADJ
fsr-3378	99	10	services	service	NOUN
fsr-3378	99	11	review	review	VERB
fsr-3378	99	12	27	27	NUM
fsr-3378	99	13	(	(	PUNCT
fsr-3378	99	14	2018	2018	NUM
fsr-3378	99	15	)	)	PUNCT
fsr-3378	99	16	1	1	NUM
fsr-3378	99	17	-	-	SYM
fsr-3378	99	18	28	28	NUM
fsr-3378	99	19	and	and	CCONJ
fsr-3378	99	20	(	(	PUNCT
fsr-3378	99	21	6	6	NUM
fsr-3378	99	22	)	)	PUNCT
fsr-3378	99	23	economic	economic	ADJ
fsr-3378	99	24	factors	factor	NOUN
fsr-3378	99	25	including	include	VERB
fsr-3378	99	26	major	major	ADJ
fsr-3378	99	27	family	family	NOUN
fsr-3378	99	28	events	event	NOUN
fsr-3378	99	29	such	such	ADJ
fsr-3378	99	30	as	as	ADP
fsr-3378	99	31	unemployment	unemployment	NOUN
fsr-3378	99	32	,	,	PUNCT
fsr-3378	99	33	divorce	divorce	NOUN
fsr-3378	99	34	,	,	PUNCT
fsr-3378	99	35	or	or	CCONJ
fsr-3378	99	36	illness	illness	NOUN
fsr-3378	99	37	.	.	PUNCT
fsr-3378	100	1	these	these	DET
fsr-3378	100	2	same	same	ADJ
fsr-3378	100	3	factors	factor	NOUN
fsr-3378	100	4	may	may	AUX
fsr-3378	100	5	influence	influence	VERB
fsr-3378	100	6	the	the	DET
fsr-3378	100	7	ways	way	NOUN
fsr-3378	100	8	that	that	PRON
fsr-3378	100	9	individuals	individual	NOUN
fsr-3378	100	10	meet	meet	VERB
fsr-3378	100	11	their	their	PRON
fsr-3378	100	12	obligations	obligation	NOUN
fsr-3378	100	13	and	and	CCONJ
fsr-3378	100	14	build	build	VERB
fsr-3378	100	15	their	their	PRON
fsr-3378	100	16	credit	credit	NOUN
fsr-3378	100	17	records	record	NOUN
fsr-3378	100	18	.	.	PUNCT
fsr-3378	101	1	institutional	institutional	ADJ
fsr-3378	101	2	practice	practice	NOUN
fsr-3378	101	3	and	and	CCONJ
fsr-3378	101	4	regulatory	regulatory	ADJ
fsr-3378	101	5	constraints	constraint	NOUN
fsr-3378	101	6	regarding	regard	VERB
fsr-3378	101	7	the	the	DET
fsr-3378	101	8	collection	collection	NOUN
fsr-3378	101	9	,	,	PUNCT
fsr-3378	101	10	matching	matching	NOUN
fsr-3378	101	11	,	,	PUNCT
fsr-3378	101	12	storage	storage	NOUN
fsr-3378	101	13	,	,	PUNCT
fsr-3378	101	14	and	and	CCONJ
fsr-3378	101	15	dissemination	dissemination	NOUN
fsr-3378	101	16	of	of	ADP
fsr-3378	101	17	relevant	relevant	ADJ
fsr-3378	101	18	information	information	NOUN
fsr-3378	101	19	in	in	ADP
fsr-3378	101	20	credit	credit	NOUN
fsr-3378	101	21	-	-	PUNCT
fsr-3378	101	22	bureau	bureau	NOUN
fsr-3378	101	23	files	file	NOUN
fsr-3378	101	24	affect	affect	VERB
fsr-3378	101	25	the	the	DET
fsr-3378	101	26	depiction	depiction	NOUN
fsr-3378	101	27	of	of	ADP
fsr-3378	101	28	individuals	individual	NOUN
fsr-3378	101	29	’	'	PUNCT
fsr-3378	101	30	creditworthiness	creditworthiness	NOUN
fsr-3378	101	31	and	and	CCONJ
fsr-3378	101	32	their	their	PRON
fsr-3378	101	33	vulnerability	vulnerability	NOUN
fsr-3378	101	34	to	to	ADP
fsr-3378	101	35	errors	error	NOUN
fsr-3378	101	36	.	.	PUNCT
fsr-3378	102	1	with	with	ADP
fsr-3378	102	2	each	each	DET
fsr-3378	102	3	credit	credit	NOUN
fsr-3378	102	4	line	line	NOUN
fsr-3378	102	5	and	and	CCONJ
fsr-3378	102	6	financial	financial	ADJ
fsr-3378	102	7	transaction	transaction	NOUN
fsr-3378	102	8	,	,	PUNCT
fsr-3378	102	9	there	there	PRON
fsr-3378	102	10	is	be	VERB
fsr-3378	102	11	a	a	DET
fsr-3378	102	12	very	very	ADV
fsr-3378	102	13	small	small	ADJ
fsr-3378	102	14	risk	risk	NOUN
fsr-3378	102	15	of	of	ADP
fsr-3378	102	16	error	error	NOUN
fsr-3378	102	17	in	in	ADP
fsr-3378	102	18	processing	processing	NOUN
fsr-3378	102	19	and	and	CCONJ
fsr-3378	102	20	reporting	reporting	NOUN
fsr-3378	102	21	.	.	PUNCT
fsr-3378	103	1	a	a	DET
fsr-3378	103	2	file	file	NOUN
fsr-3378	103	3	with	with	ADP
fsr-3378	103	4	more	more	ADJ
fsr-3378	103	5	credit	credit	NOUN
fsr-3378	103	6	lines	line	NOUN
fsr-3378	103	7	and	and	CCONJ
fsr-3378	103	8	transactions	transaction	NOUN
fsr-3378	103	9	(	(	PUNCT
fsr-3378	103	10	and	and	CCONJ
fsr-3378	103	11	especially	especially	ADV
fsr-3378	103	12	with	with	ADP
fsr-3378	103	13	late	late	ADJ
fsr-3378	103	14	payments	payment	NOUN
fsr-3378	103	15	and	and	CCONJ
fsr-3378	103	16	collection	collection	NOUN
fsr-3378	103	17	activity	activity	NOUN
fsr-3378	103	18	)	)	PUNCT
fsr-3378	103	19	is	be	AUX
fsr-3378	103	20	more	more	ADV
fsr-3378	103	21	prone	prone	ADJ
fsr-3378	103	22	to	to	ADP
fsr-3378	103	23	errors	error	NOUN
fsr-3378	103	24	almost	almost	ADV
fsr-3378	103	25	axiomatically	axiomatically	ADV
fsr-3378	103	26	because	because	SCONJ
fsr-3378	103	27	each	each	DET
fsr-3378	103	28	line	line	NOUN
fsr-3378	103	29	and	and	CCONJ
fsr-3378	103	30	transaction	transaction	NOUN
fsr-3378	103	31	presents	present	VERB
fsr-3378	103	32	an	an	DET
fsr-3378	103	33	opportunity	opportunity	NOUN
fsr-3378	103	34	for	for	SCONJ
fsr-3378	103	35	an	an	DET
fsr-3378	103	36	error	error	NOUN
fsr-3378	103	37	to	to	PART
fsr-3378	103	38	occur	occur	VERB
fsr-3378	103	39	.	.	PUNCT
fsr-3378	104	1	of	of	ADP
fsr-3378	104	2	course	course	NOUN
fsr-3378	104	3	,	,	PUNCT
fsr-3378	104	4	accounts	account	VERB
fsr-3378	104	5	with	with	ADP
fsr-3378	104	6	indications	indication	NOUN
fsr-3378	104	7	of	of	ADP
fsr-3378	104	8	late	late	ADJ
fsr-3378	104	9	payments	payment	NOUN
fsr-3378	104	10	or	or	CCONJ
fsr-3378	104	11	collection	collection	NOUN
fsr-3378	104	12	activity	activity	NOUN
fsr-3378	104	13	present	present	VERB
fsr-3378	104	14	highest	high	ADJ
fsr-3378	104	15	risks	risk	NOUN
fsr-3378	104	16	of	of	ADP
fsr-3378	104	17	error	error	NOUN
fsr-3378	104	18	because	because	SCONJ
fsr-3378	104	19	a	a	DET
fsr-3378	104	20	financial	financial	ADJ
fsr-3378	104	21	institution	institution	NOUN
fsr-3378	104	22	may	may	AUX
fsr-3378	104	23	have	have	AUX
fsr-3378	104	24	credited	credit	VERB
fsr-3378	104	25	the	the	DET
fsr-3378	104	26	wrong	wrong	ADJ
fsr-3378	104	27	account	account	NOUN
fsr-3378	104	28	or	or	CCONJ
fsr-3378	104	29	there	there	PRON
fsr-3378	104	30	may	may	AUX
fsr-3378	104	31	have	have	AUX
fsr-3378	104	32	been	be	AUX
fsr-3378	104	33	a	a	DET
fsr-3378	104	34	mismatch	mismatch	NOUN
fsr-3378	104	35	of	of	ADP
fsr-3378	104	36	records	record	NOUN
fsr-3378	104	37	or	or	CCONJ
fsr-3378	104	38	negligence	negligence	NOUN
fsr-3378	104	39	in	in	ADP
fsr-3378	104	40	reporting	report	VERB
fsr-3378	104	41	payments	payment	NOUN
fsr-3378	104	42	for	for	ADP
fsr-3378	104	43	collection	collection	NOUN
fsr-3378	104	44	activity	activity	NOUN
fsr-3378	104	45	.	.	PUNCT
fsr-3378	105	1	individuals	individual	NOUN
fsr-3378	105	2	’	’	PART
fsr-3378	105	3	vigilance	vigilance	NOUN
fsr-3378	105	4	and	and	CCONJ
fsr-3378	105	5	actions	action	NOUN
fsr-3378	105	6	in	in	ADP
fsr-3378	105	7	identifying	identify	VERB
fsr-3378	105	8	potential	potential	ADJ
fsr-3378	105	9	errors	error	NOUN
fsr-3378	105	10	,	,	PUNCT
fsr-3378	105	11	and	and	CCONJ
fsr-3378	105	12	institutions	institution	NOUN
fsr-3378	105	13	’	'	PUNCT
fsr-3378	105	14	investigations	investigation	NOUN
fsr-3378	105	15	and	and	CCONJ
fsr-3378	105	16	actions	action	NOUN
fsr-3378	105	17	in	in	ADP
fsr-3378	105	18	response	response	NOUN
fsr-3378	105	19	to	to	ADP
fsr-3378	105	20	disputes	dispute	NOUN
fsr-3378	105	21	,	,	PUNCT
fsr-3378	105	22	help	help	VERB
fsr-3378	105	23	to	to	PART
fsr-3378	105	24	keep	keep	VERB
fsr-3378	105	25	the	the	DET
fsr-3378	105	26	files	file	NOUN
fsr-3378	105	27	clean	clean	ADJ
fsr-3378	105	28	and	and	CCONJ
fsr-3378	105	29	determine	determine	VERB
fsr-3378	105	30	the	the	DET
fsr-3378	105	31	consumer	consumer	NOUN
fsr-3378	105	32	’s	’s	PART
fsr-3378	105	33	continuing	continue	VERB
fsr-3378	105	34	access	access	NOUN
fsr-3378	105	35	to	to	ADP
fsr-3378	105	36	credit	credit	NOUN
fsr-3378	105	37	and	and	CCONJ
fsr-3378	105	38	the	the	DET
fsr-3378	105	39	terms	term	NOUN
fsr-3378	105	40	under	under	ADP
fsr-3378	105	41	which	which	PRON
fsr-3378	105	42	future	future	ADJ
fsr-3378	105	43	credit	credit	NOUN
fsr-3378	105	44	is	be	AUX
fsr-3378	105	45	granted	grant	VERB
fsr-3378	105	46	.	.	PUNCT
fsr-3378	106	1	to	to	PART
fsr-3378	106	2	investigate	investigate	VERB
fsr-3378	106	3	the	the	DET
fsr-3378	106	4	full	full	ADJ
fsr-3378	106	5	credit	credit	NOUN
fsr-3378	106	6	cycle	cycle	NOUN
fsr-3378	106	7	from	from	ADP
fsr-3378	106	8	the	the	DET
fsr-3378	106	9	assumption	assumption	NOUN
fsr-3378	106	10	of	of	ADP
fsr-3378	106	11	debt	debt	NOUN
fsr-3378	106	12	through	through	ADP
fsr-3378	106	13	payment	payment	NOUN
fsr-3378	106	14	of	of	ADP
fsr-3378	106	15	obligations	obligation	NOUN
fsr-3378	106	16	and	and	CCONJ
fsr-3378	106	17	maintenance	maintenance	NOUN
fsr-3378	106	18	of	of	ADP
fsr-3378	106	19	the	the	DET
fsr-3378	106	20	credit	credit	NOUN
fsr-3378	106	21	record	record	NOUN
fsr-3378	106	22	,	,	PUNCT
fsr-3378	106	23	we	we	PRON
fsr-3378	106	24	engaged	engage	VERB
fsr-3378	106	25	a	a	DET
fsr-3378	106	26	representative	representative	ADJ
fsr-3378	106	27	sample	sample	NOUN
fsr-3378	106	28	of	of	ADP
fsr-3378	106	29	1,001	1,001	NUM
fsr-3378	106	30	individuals	individual	NOUN
fsr-3378	106	31	on	on	ADP
fsr-3378	106	32	behalf	behalf	NOUN
fsr-3378	106	33	of	of	ADP
fsr-3378	106	34	the	the	DET
fsr-3378	106	35	federal	federal	PROPN
fsr-3378	106	36	trade	trade	PROPN
fsr-3378	106	37	commission	commission	PROPN
fsr-3378	106	38	(	(	PUNCT
fsr-3378	106	39	ftc	ftc	PROPN
fsr-3378	106	40	)	)	PUNCT
fsr-3378	106	41	.	.	PUNCT
fsr-3378	107	1	recruitment	recruitment	NOUN
fsr-3378	107	2	of	of	ADP
fsr-3378	107	3	participants	participant	NOUN
fsr-3378	107	4	was	be	AUX
fsr-3378	107	5	accomplished	accomplish	VERB
fsr-3378	107	6	in	in	ADP
fsr-3378	107	7	collaboration	collaboration	NOUN
fsr-3378	107	8	with	with	ADP
fsr-3378	107	9	senior	senior	ADJ
fsr-3378	107	10	economists	economist	NOUN
fsr-3378	107	11	at	at	ADP
fsr-3378	107	12	the	the	DET
fsr-3378	107	13	ftc	ftc	PROPN
fsr-3378	107	14	and	and	CCONJ
fsr-3378	107	15	the	the	DET
fsr-3378	107	16	three	three	NUM
fsr-3378	107	17	major	major	ADJ
fsr-3378	107	18	credit	credit	NOUN
fsr-3378	107	19	bureaus	bureaus	NOUN
fsr-3378	107	20	(	(	PUNCT
fsr-3378	107	21	equifax	equifax	NOUN
fsr-3378	107	22	,	,	PUNCT
fsr-3378	107	23	experian	experian	ADJ
fsr-3378	107	24	,	,	PUNCT
fsr-3378	107	25	and	and	CCONJ
fsr-3378	107	26	transunion	transunion	NOUN
fsr-3378	107	27	)	)	PUNCT
fsr-3378	107	28	.	.	PUNCT
fsr-3378	108	1	a	a	DET
fsr-3378	108	2	meticulous	meticulous	ADJ
fsr-3378	108	3	stratified	stratified	ADJ
fsr-3378	108	4	random	random	ADJ
fsr-3378	108	5	sampling	sampling	NOUN
fsr-3378	108	6	procedure	procedure	NOUN
fsr-3378	108	7	(	(	PUNCT
fsr-3378	108	8	smith	smith	PROPN
fsr-3378	108	9	et	et	PROPN
fsr-3378	108	10	al	al	PROPN
fsr-3378	108	11	.	.	PROPN
fsr-3378	108	12	,	,	PUNCT
fsr-3378	108	13	2013	2013	NUM
fsr-3378	108	14	)	)	PUNCT
fsr-3378	108	15	was	be	AUX
fsr-3378	108	16	used	use	VERB
fsr-3378	108	17	to	to	PART
fsr-3378	108	18	achieve	achieve	VERB
fsr-3378	108	19	equal	equal	ADJ
fsr-3378	108	20	representation	representation	NOUN
fsr-3378	108	21	of	of	ADP
fsr-3378	108	22	individuals	individual	NOUN
fsr-3378	108	23	in	in	ADP
fsr-3378	108	24	credit	credit	NOUN
fsr-3378	108	25	-	-	PUNCT
fsr-3378	108	26	score	score	NOUN
fsr-3378	108	27	quintile	quintile	NOUN
fsr-3378	108	28	groups	group	NOUN
fsr-3378	108	29	while	while	SCONJ
fsr-3378	108	30	also	also	ADV
fsr-3378	108	31	providing	provide	VERB
fsr-3378	108	32	good	good	ADJ
fsr-3378	108	33	representation	representation	NOUN
fsr-3378	108	34	geographically	geographically	ADV
fsr-3378	108	35	and	and	CCONJ
fsr-3378	108	36	by	by	ADP
fsr-3378	108	37	standard	standard	ADJ
fsr-3378	108	38	demographic	demographic	ADJ
fsr-3378	108	39	attributes	attribute	NOUN
fsr-3378	108	40	.	.	PUNCT
fsr-3378	109	1	overall	overall	ADV
fsr-3378	109	2	,	,	PUNCT
fsr-3378	109	3	there	there	PRON
fsr-3378	109	4	was	be	VERB
fsr-3378	109	5	excellent	excellent	ADJ
fsr-3378	109	6	representation	representation	NOUN
fsr-3378	109	7	in	in	ADP
fsr-3378	109	8	the	the	DET
fsr-3378	109	9	final	final	ADJ
fsr-3378	109	10	sample	sample	NOUN
fsr-3378	109	11	of	of	ADP
fsr-3378	109	12	completed	complete	VERB
fsr-3378	109	13	interviews	interview	NOUN
fsr-3378	109	14	according	accord	VERB
fsr-3378	109	15	to	to	ADP
fsr-3378	109	16	the	the	DET
fsr-3378	109	17	primary	primary	ADJ
fsr-3378	109	18	criterion	criterion	NOUN
fsr-3378	109	19	(	(	PUNCT
fsr-3378	109	20	credit	credit	NOUN
fsr-3378	109	21	score	score	NOUN
fsr-3378	109	22	)	)	PUNCT
fsr-3378	109	23	,	,	PUNCT
fsr-3378	109	24	good	good	ADJ
fsr-3378	109	25	representation	representation	NOUN
fsr-3378	109	26	from	from	ADP
fsr-3378	109	27	all	all	DET
fsr-3378	109	28	age	age	NOUN
fsr-3378	109	29	groups	group	NOUN
fsr-3378	109	30	,	,	PUNCT
fsr-3378	109	31	and	and	CCONJ
fsr-3378	109	32	an	an	DET
fsr-3378	109	33	excellent	excellent	ADJ
fsr-3378	109	34	mix	mix	NOUN
fsr-3378	109	35	according	accord	VERB
fsr-3378	109	36	to	to	ADP
fsr-3378	109	37	gender	gender	NOUN
fsr-3378	109	38	.	.	PUNCT
fsr-3378	110	1	participants	participant	NOUN
fsr-3378	110	2	were	be	AUX
fsr-3378	110	3	recruited	recruit	VERB
fsr-3378	110	4	from	from	ADP
fsr-3378	110	5	each	each	PRON
fsr-3378	110	6	of	of	ADP
fsr-3378	110	7	the	the	DET
fsr-3378	110	8	50	50	NUM
fsr-3378	110	9	u.s	u.s	PROPN
fsr-3378	110	10	.	.	PROPN
fsr-3378	110	11	states	state	NOUN
fsr-3378	110	12	and	and	CCONJ
fsr-3378	110	13	the	the	DET
fsr-3378	110	14	number	number	NOUN
fsr-3378	110	15	from	from	ADP
fsr-3378	110	16	each	each	DET
fsr-3378	110	17	state	state	NOUN
fsr-3378	110	18	was	be	AUX
fsr-3378	110	19	generally	generally	ADV
fsr-3378	110	20	proportional	proportional	ADJ
fsr-3378	110	21	to	to	ADP
fsr-3378	110	22	the	the	DET
fsr-3378	110	23	size	size	NOUN
fsr-3378	110	24	of	of	ADP
fsr-3378	110	25	the	the	DET
fsr-3378	110	26	adult	adult	NOUN
fsr-3378	110	27	population	population	NOUN
fsr-3378	110	28	.	.	PUNCT
fsr-3378	111	1	university	university	NOUN
fsr-3378	111	2	research	research	NOUN
fsr-3378	111	3	associates	associate	NOUN
fsr-3378	111	4	engaged	engage	VERB
fsr-3378	111	5	participants	participant	NOUN
fsr-3378	111	6	in	in	ADP
fsr-3378	111	7	thorough	thorough	ADJ
fsr-3378	111	8	reviews	review	NOUN
fsr-3378	111	9	of	of	ADP
fsr-3378	111	10	their	their	PRON
fsr-3378	111	11	credit	credit	NOUN
fsr-3378	111	12	reports	report	NOUN
fsr-3378	111	13	and	and	CCONJ
fsr-3378	111	14	administered	administer	VERB
fsr-3378	111	15	a	a	DET
fsr-3378	111	16	telephone	telephone	NOUN
fsr-3378	111	17	survey	survey	NOUN
fsr-3378	111	18	to	to	PART
fsr-3378	111	19	obtain	obtain	VERB
fsr-3378	111	20	information	information	NOUN
fsr-3378	111	21	about	about	ADP
fsr-3378	111	22	participants	participant	NOUN
fsr-3378	111	23	’	'	PUNCT
fsr-3378	111	24	habits	habit	NOUN
fsr-3378	111	25	in	in	ADP
fsr-3378	111	26	managing	manage	VERB
fsr-3378	111	27	credit	credit	NOUN
fsr-3378	111	28	,	,	PUNCT
fsr-3378	111	29	their	their	PRON
fsr-3378	111	30	family	family	NOUN
fsr-3378	111	31	circumstances	circumstance	NOUN
fsr-3378	111	32	,	,	PUNCT
fsr-3378	111	33	and	and	CCONJ
fsr-3378	111	34	major	major	ADJ
fsr-3378	111	35	life	life	NOUN
fsr-3378	111	36	events	event	NOUN
fsr-3378	111	37	.	.	PUNCT
fsr-3378	112	1	they	they	PRON
fsr-3378	112	2	inquired	inquire	VERB
fsr-3378	112	3	whether	whether	SCONJ
fsr-3378	112	4	the	the	DET
fsr-3378	112	5	study	study	NOUN
fsr-3378	112	6	participants	participant	NOUN
fsr-3378	112	7	had	have	AUX
fsr-3378	112	8	previously	previously	ADV
fsr-3378	112	9	obtained	obtain	VERB
fsr-3378	112	10	copies	copy	NOUN
fsr-3378	112	11	of	of	ADP
fsr-3378	112	12	their	their	PRON
fsr-3378	112	13	credit	credit	NOUN
fsr-3378	112	14	reports	report	NOUN
fsr-3378	112	15	and	and	CCONJ
fsr-3378	112	16	attempted	attempt	VERB
fsr-3378	112	17	to	to	PART
fsr-3378	112	18	have	have	AUX
fsr-3378	112	19	alleged	allege	VERB
fsr-3378	112	20	errors	error	NOUN
fsr-3378	112	21	corrected	correct	VERB
fsr-3378	112	22	,	,	PUNCT
fsr-3378	112	23	whether	whether	SCONJ
fsr-3378	112	24	they	they	PRON
fsr-3378	112	25	had	have	AUX
fsr-3378	112	26	used	use	VERB
fsr-3378	112	27	forms	form	NOUN
fsr-3378	112	28	of	of	ADP
fsr-3378	112	29	credit	credit	NOUN
fsr-3378	112	30	not	not	PART
fsr-3378	112	31	reflected	reflect	VERB
fsr-3378	112	32	in	in	ADP
fsr-3378	112	33	the	the	DET
fsr-3378	112	34	credit	credit	NOUN
fsr-3378	112	35	reports	report	NOUN
fsr-3378	112	36	,	,	PUNCT
fsr-3378	112	37	and	and	CCONJ
fsr-3378	112	38	whether	whether	SCONJ
fsr-3378	112	39	such	such	ADJ
fsr-3378	112	40	obligations	obligation	NOUN
fsr-3378	112	41	had	have	AUX
fsr-3378	112	42	been	be	AUX
fsr-3378	112	43	discharged	discharge	VERB
fsr-3378	112	44	.	.	PUNCT
fsr-3378	113	1	the	the	DET
fsr-3378	113	2	research	research	NOUN
fsr-3378	113	3	associates	associate	NOUN
fsr-3378	113	4	also	also	ADV
fsr-3378	113	5	asked	ask	VERB
fsr-3378	113	6	about	about	ADP
fsr-3378	113	7	monthly	monthly	ADJ
fsr-3378	113	8	payment	payment	NOUN
fsr-3378	113	9	behavior	behavior	NOUN
fsr-3378	113	10	(	(	PUNCT
fsr-3378	113	11	e.g.	e.g.	ADV
fsr-3378	113	12	,	,	PUNCT
fsr-3378	113	13	whether	whether	SCONJ
fsr-3378	113	14	the	the	DET
fsr-3378	113	15	consumer	consumer	NOUN
fsr-3378	113	16	generally	generally	ADV
fsr-3378	113	17	paid	pay	VERB
fsr-3378	113	18	off	off	ADP
fsr-3378	113	19	monthly	monthly	ADJ
fsr-3378	113	20	balances	balance	NOUN
fsr-3378	113	21	in	in	ADP
fsr-3378	113	22	full	full	ADJ
fsr-3378	113	23	)	)	PUNCT
fsr-3378	113	24	.	.	PUNCT
fsr-3378	114	1	perhaps	perhaps	ADV
fsr-3378	114	2	surprisingly	surprisingly	ADV
fsr-3378	114	3	to	to	ADP
fsr-3378	114	4	some	some	DET
fsr-3378	114	5	readers	reader	NOUN
fsr-3378	114	6	,	,	PUNCT
fsr-3378	114	7	this	this	PRON
fsr-3378	114	8	can	can	AUX
fsr-3378	114	9	not	not	PART
fsr-3378	114	10	be	be	AUX
fsr-3378	114	11	deduced	deduce	VERB
fsr-3378	114	12	from	from	ADP
fsr-3378	114	13	monthly	monthly	ADJ
fsr-3378	114	14	balances	balance	NOUN
fsr-3378	114	15	of	of	ADP
fsr-3378	114	16	accounts	account	NOUN
fsr-3378	114	17	in	in	ADP
fsr-3378	114	18	the	the	DET
fsr-3378	114	19	credit	credit	NOUN
fsr-3378	114	20	-	-	PUNCT
fsr-3378	114	21	bureau	bureau	NOUN
fsr-3378	114	22	files	file	NOUN
fsr-3378	114	23	.	.	PUNCT
fsr-3378	115	1	one	one	NUM
fsr-3378	115	2	consumer	consumer	NOUN
fsr-3378	115	3	may	may	AUX
fsr-3378	115	4	pay	pay	VERB
fsr-3378	115	5	the	the	DET
fsr-3378	115	6	minimum	minimum	ADJ
fsr-3378	115	7	balance	balance	NOUN
fsr-3378	115	8	on	on	ADP
fsr-3378	115	9	an	an	DET
fsr-3378	115	10	account	account	NOUN
fsr-3378	115	11	on	on	ADP
fsr-3378	115	12	time	time	NOUN
fsr-3378	115	13	,	,	PUNCT
fsr-3378	115	14	not	not	PART
fsr-3378	115	15	incur	incur	VERB
fsr-3378	115	16	further	further	ADJ
fsr-3378	115	17	charges	charge	NOUN
fsr-3378	115	18	in	in	ADP
fsr-3378	115	19	the	the	DET
fsr-3378	115	20	ensuing	ensue	VERB
fsr-3378	115	21	month	month	NOUN
fsr-3378	115	22	,	,	PUNCT
fsr-3378	115	23	display	display	VERB
fsr-3378	115	24	no	no	DET
fsr-3378	115	25	delinquency	delinquency	NOUN
fsr-3378	115	26	and	and	CCONJ
fsr-3378	115	27	yet	yet	ADV
fsr-3378	115	28	be	be	AUX
fsr-3378	115	29	under	under	ADP
fsr-3378	115	30	considerable	considerable	ADJ
fsr-3378	115	31	financial	financial	ADJ
fsr-3378	115	32	stress	stress	NOUN
fsr-3378	115	33	in	in	ADP
fsr-3378	115	34	doing	do	VERB
fsr-3378	115	35	so	so	ADV
fsr-3378	115	36	.	.	PUNCT
fsr-3378	116	1	another	another	DET
fsr-3378	116	2	consumer	consumer	NOUN
fsr-3378	116	3	may	may	AUX
fsr-3378	116	4	incur	incur	VERB
fsr-3378	116	5	regular	regular	ADJ
fsr-3378	116	6	monthly	monthly	ADJ
fsr-3378	116	7	charges	charge	NOUN
fsr-3378	116	8	,	,	PUNCT
fsr-3378	116	9	pay	pay	VERB
fsr-3378	116	10	off	off	ADP
fsr-3378	116	11	the	the	DET
fsr-3378	116	12	balance	balance	NOUN
fsr-3378	116	13	completely	completely	ADV
fsr-3378	116	14	each	each	DET
fsr-3378	116	15	month	month	NOUN
fsr-3378	116	16	,	,	PUNCT
fsr-3378	116	17	and	and	CCONJ
fsr-3378	116	18	have	have	VERB
fsr-3378	116	19	an	an	DET
fsr-3378	116	20	account	account	NOUN
fsr-3378	116	21	that	that	PRON
fsr-3378	116	22	looks	look	VERB
fsr-3378	116	23	very	very	ADV
fsr-3378	116	24	much	much	ADV
fsr-3378	116	25	like	like	ADP
fsr-3378	116	26	the	the	DET
fsr-3378	116	27	first	first	ADJ
fsr-3378	116	28	consumer	consumer	NOUN
fsr-3378	116	29	’s	’s	PART
fsr-3378	116	30	account	account	NOUN
fsr-3378	116	31	despite	despite	SCONJ
fsr-3378	116	32	having	have	VERB
fsr-3378	116	33	very	very	ADV
fsr-3378	116	34	large	large	ADJ
fsr-3378	116	35	financial	financial	ADJ
fsr-3378	116	36	reserves	reserve	NOUN
fsr-3378	116	37	.	.	PUNCT
fsr-3378	117	1	we	we	PRON
fsr-3378	117	2	expect	expect	VERB
fsr-3378	117	3	this	this	DET
fsr-3378	117	4	information	information	NOUN
fsr-3378	117	5	(	(	PUNCT
fsr-3378	117	6	though	though	SCONJ
fsr-3378	117	7	admittedly	admittedly	ADV
fsr-3378	117	8	self	self	NOUN
fsr-3378	117	9	-	-	PUNCT
fsr-3378	117	10	reported	report	VERB
fsr-3378	117	11	)	)	PUNCT
fsr-3378	117	12	to	to	PART
fsr-3378	117	13	be	be	AUX
fsr-3378	117	14	an	an	DET
fsr-3378	117	15	important	important	ADJ
fsr-3378	117	16	indicator	indicator	NOUN
fsr-3378	117	17	of	of	ADP
fsr-3378	117	18	whether	whether	SCONJ
fsr-3378	117	19	the	the	DET
fsr-3378	117	20	consumer	consumer	NOUN
fsr-3378	117	21	is	be	AUX
fsr-3378	117	22	under	under	ADP
fsr-3378	117	23	financial	financial	ADJ
fsr-3378	117	24	stress	stress	NOUN
fsr-3378	117	25	,	,	PUNCT
fsr-3378	117	26	vulnerable	vulnerable	ADJ
fsr-3378	117	27	to	to	ADP
fsr-3378	117	28	delinquency	delinquency	NOUN
fsr-3378	117	29	and	and	CCONJ
fsr-3378	117	30	default	default	NOUN
fsr-3378	117	31	,	,	PUNCT
fsr-3378	117	32	and	and	CCONJ
fsr-3378	117	33	then	then	ADV
fsr-3378	117	34	vulnerable	vulnerable	ADJ
fsr-3378	117	35	to	to	ADP
fsr-3378	117	36	recording	record	VERB
fsr-3378	117	37	errors	error	NOUN
fsr-3378	117	38	from	from	ADP
fsr-3378	117	39	collection	collection	NOUN
fsr-3378	117	40	activity	activity	NOUN
fsr-3378	117	41	.	.	PUNCT
fsr-3378	118	1	7l.d	7l.d	X
fsr-3378	118	2	.	.	X
fsr-3378	118	3	smith	smith	PROPN
fsr-3378	118	4	et	et	PROPN
fsr-3378	118	5	al	al	PROPN
fsr-3378	118	6	.	.	PUNCT
fsr-3378	118	7	/	/	SYM
fsr-3378	118	8	financial	financial	ADJ
fsr-3378	118	9	services	service	NOUN
fsr-3378	118	10	review	review	VERB
fsr-3378	118	11	27	27	NUM
fsr-3378	118	12	(	(	PUNCT
fsr-3378	118	13	2018	2018	NUM
fsr-3378	118	14	)	)	PUNCT
fsr-3378	118	15	1	1	NUM
fsr-3378	118	16	-	-	SYM
fsr-3378	118	17	28	28	NUM
fsr-3378	118	18	the	the	DET
fsr-3378	118	19	checklist	checklist	NOUN
fsr-3378	118	20	provided	provide	VERB
fsr-3378	118	21	to	to	ADP
fsr-3378	118	22	consumers	consumer	NOUN
fsr-3378	118	23	to	to	PART
fsr-3378	118	24	prepare	prepare	VERB
fsr-3378	118	25	for	for	ADP
fsr-3378	118	26	the	the	DET
fsr-3378	118	27	telephone	telephone	NOUN
fsr-3378	118	28	interview	interview	NOUN
fsr-3378	118	29	,	,	PUNCT
fsr-3378	118	30	the	the	DET
fsr-3378	118	31	interviewing	interviewing	NOUN
fsr-3378	118	32	guide	guide	NOUN
fsr-3378	118	33	for	for	ADP
fsr-3378	118	34	the	the	DET
fsr-3378	118	35	intensive	intensive	ADJ
fsr-3378	118	36	review	review	NOUN
fsr-3378	118	37	of	of	ADP
fsr-3378	118	38	hard	hard	ADJ
fsr-3378	118	39	copies	copy	NOUN
fsr-3378	118	40	of	of	ADP
fsr-3378	118	41	the	the	DET
fsr-3378	118	42	credit	credit	NOUN
fsr-3378	118	43	reports	report	NOUN
fsr-3378	118	44	which	which	PRON
fsr-3378	118	45	had	have	AUX
fsr-3378	118	46	been	be	AUX
fsr-3378	118	47	mailed	mail	VERB
fsr-3378	118	48	to	to	ADP
fsr-3378	118	49	them	they	PRON
fsr-3378	118	50	,	,	PUNCT
fsr-3378	118	51	and	and	CCONJ
fsr-3378	118	52	the	the	DET
fsr-3378	118	53	closing	closing	NOUN
fsr-3378	118	54	survey	survey	NOUN
fsr-3378	118	55	after	after	SCONJ
fsr-3378	118	56	the	the	DET
fsr-3378	118	57	telephone	telephone	NOUN
fsr-3378	118	58	interview	interview	NOUN
fsr-3378	118	59	are	be	AUX
fsr-3378	118	60	provided	provide	VERB
fsr-3378	118	61	in	in	ADP
fsr-3378	118	62	appendix	appendix	PROPN
fsr-3378	118	63	b.	b.	PROPN
fsr-3378	118	64	note	note	VERB
fsr-3378	118	65	that	that	SCONJ
fsr-3378	118	66	,	,	PUNCT
fsr-3378	118	67	for	for	ADP
fsr-3378	118	68	context	context	NOUN
fsr-3378	118	69	,	,	PUNCT
fsr-3378	118	70	we	we	PRON
fsr-3378	118	71	inquired	inquire	VERB
fsr-3378	118	72	about	about	ADP
fsr-3378	118	73	other	other	ADJ
fsr-3378	118	74	financial	financial	ADJ
fsr-3378	118	75	assets	asset	NOUN
fsr-3378	118	76	(	(	PUNCT
fsr-3378	118	77	such	such	ADJ
fsr-3378	118	78	as	as	ADP
fsr-3378	118	79	pensions	pension	NOUN
fsr-3378	118	80	)	)	PUNCT
fsr-3378	118	81	owned	own	VERB
fsr-3378	118	82	by	by	ADP
fsr-3378	118	83	the	the	DET
fsr-3378	118	84	consumer	consumer	NOUN
fsr-3378	118	85	,	,	PUNCT
fsr-3378	118	86	whether	whether	SCONJ
fsr-3378	118	87	their	their	PRON
fsr-3378	118	88	families	family	NOUN
fsr-3378	118	89	recently	recently	ADV
fsr-3378	118	90	had	have	AUX
fsr-3378	118	91	suffered	suffer	VERB
fsr-3378	118	92	stressful	stressful	ADJ
fsr-3378	118	93	events	event	NOUN
fsr-3378	118	94	,	,	PUNCT
fsr-3378	118	95	and	and	CCONJ
fsr-3378	118	96	whether	whether	SCONJ
fsr-3378	118	97	they	they	PRON
fsr-3378	118	98	had	have	VERB
fsr-3378	118	99	financial	financial	ADJ
fsr-3378	118	100	reserves	reserve	NOUN
fsr-3378	118	101	to	to	PART
fsr-3378	118	102	cover	cover	VERB
fsr-3378	118	103	unexpected	unexpected	ADJ
fsr-3378	118	104	expenses	expense	NOUN
fsr-3378	118	105	or	or	CCONJ
fsr-3378	118	106	temporary	temporary	ADJ
fsr-3378	118	107	loss	loss	NOUN
fsr-3378	118	108	of	of	ADP
fsr-3378	118	109	income	income	NOUN
fsr-3378	118	110	.	.	PUNCT
fsr-3378	119	1	finally	finally	ADV
fsr-3378	119	2	,	,	PUNCT
fsr-3378	119	3	we	we	PRON
fsr-3378	119	4	collected	collect	VERB
fsr-3378	119	5	standard	standard	ADJ
fsr-3378	119	6	demographic	demographic	ADJ
fsr-3378	119	7	information	information	NOUN
fsr-3378	119	8	including	include	VERB
fsr-3378	119	9	income	income	NOUN
fsr-3378	119	10	.	.	PUNCT
fsr-3378	120	1	we	we	PRON
fsr-3378	120	2	used	use	VERB
fsr-3378	120	3	income	income	NOUN
fsr-3378	120	4	ranges	range	NOUN
fsr-3378	120	5	to	to	PART
fsr-3378	120	6	reduce	reduce	VERB
fsr-3378	120	7	resistance	resistance	NOUN
fsr-3378	120	8	to	to	ADP
fsr-3378	120	9	disclosing	disclose	VERB
fsr-3378	120	10	income	income	NOUN
fsr-3378	120	11	and	and	CCONJ
fsr-3378	120	12	recognizing	recognize	VERB
fsr-3378	120	13	that	that	SCONJ
fsr-3378	120	14	income	income	NOUN
fsr-3378	120	15	estimates	estimate	NOUN
fsr-3378	120	16	are	be	AUX
fsr-3378	120	17	always	always	ADV
fsr-3378	120	18	approximate	approximate	ADJ
fsr-3378	120	19	regardless	regardless	ADV
fsr-3378	120	20	.	.	PUNCT
fsr-3378	121	1	only	only	ADV
fsr-3378	121	2	45	45	NUM
fsr-3378	121	3	of	of	ADP
fsr-3378	121	4	1001	1001	NUM
fsr-3378	121	5	participants	participant	NOUN
fsr-3378	121	6	declined	decline	VERB
fsr-3378	121	7	to	to	PART
fsr-3378	121	8	indicate	indicate	VERB
fsr-3378	121	9	their	their	PRON
fsr-3378	121	10	family	family	NOUN
fsr-3378	121	11	income	income	NOUN
fsr-3378	121	12	category	category	NOUN
fsr-3378	121	13	.	.	PUNCT
fsr-3378	122	1	implicitly	implicitly	ADV
fsr-3378	122	2	,	,	PUNCT
fsr-3378	122	3	in	in	ADP
fsr-3378	122	4	our	our	PRON
fsr-3378	122	5	statistical	statistical	ADJ
fsr-3378	122	6	models	model	NOUN
fsr-3378	122	7	,	,	PUNCT
fsr-3378	122	8	these	these	DET
fsr-3378	122	9	individuals	individual	NOUN
fsr-3378	122	10	are	be	AUX
fsr-3378	122	11	placed	place	VERB
fsr-3378	122	12	in	in	ADP
fsr-3378	122	13	the	the	DET
fsr-3378	122	14	middle	middle	ADJ
fsr-3378	122	15	income	income	NOUN
fsr-3378	122	16	category	category	NOUN
fsr-3378	122	17	(	(	PUNCT
fsr-3378	122	18	$	$	SYM
fsr-3378	122	19	50,000	50,000	NUM
fsr-3378	122	20	to	to	PART
fsr-3378	122	21	$	$	SYM
fsr-3378	122	22	75,000	75,000	NUM
fsr-3378	122	23	per	per	ADP
fsr-3378	122	24	year	year	NOUN
fsr-3378	122	25	)	)	PUNCT
fsr-3378	122	26	.	.	PUNCT
fsr-3378	123	1	if	if	SCONJ
fsr-3378	123	2	a	a	DET
fsr-3378	123	3	participant	participant	NOUN
fsr-3378	123	4	alleged	allege	VERB
fsr-3378	123	5	that	that	SCONJ
fsr-3378	123	6	there	there	PRON
fsr-3378	123	7	was	be	VERB
fsr-3378	123	8	a	a	DET
fsr-3378	123	9	“	"	PUNCT
fsr-3378	123	10	material	material	NOUN
fsr-3378	123	11	”	"	PUNCT
fsr-3378	123	12	error	error	NOUN
fsr-3378	123	13	in	in	ADP
fsr-3378	123	14	any	any	PRON
fsr-3378	123	15	of	of	ADP
fsr-3378	123	16	the	the	DET
fsr-3378	123	17	credit	credit	NOUN
fsr-3378	123	18	-	-	PUNCT
fsr-3378	123	19	bureau	bureau	NOUN
fsr-3378	123	20	reports	report	NOUN
fsr-3378	123	21	,	,	PUNCT
fsr-3378	123	22	the	the	DET
fsr-3378	123	23	research	research	NOUN
fsr-3378	123	24	associate	associate	NOUN
fsr-3378	123	25	helped	help	VERB
fsr-3378	123	26	craft	craft	VERB
fsr-3378	123	27	a	a	DET
fsr-3378	123	28	dispute	dispute	NOUN
fsr-3378	123	29	letter	letter	NOUN
fsr-3378	123	30	which	which	PRON
fsr-3378	123	31	was	be	AUX
fsr-3378	123	32	signed	sign	VERB
fsr-3378	123	33	by	by	ADP
fsr-3378	123	34	the	the	DET
fsr-3378	123	35	participant	participant	NOUN
fsr-3378	123	36	and	and	CCONJ
fsr-3378	123	37	mailed	mail	VERB
fsr-3378	123	38	to	to	ADP
fsr-3378	123	39	the	the	DET
fsr-3378	123	40	bureau	bureau	NOUN
fsr-3378	123	41	from	from	ADP
fsr-3378	123	42	their	their	PRON
fsr-3378	123	43	home	home	NOUN
fsr-3378	123	44	address	address	NOUN
fsr-3378	123	45	.	.	PUNCT
fsr-3378	124	1	we	we	PRON
fsr-3378	124	2	defined	define	VERB
fsr-3378	124	3	a	a	DET
fsr-3378	124	4	material	material	NOUN
fsr-3378	124	5	error	error	NOUN
fsr-3378	124	6	as	as	ADP
fsr-3378	124	7	one	one	NUM
fsr-3378	124	8	that	that	PRON
fsr-3378	124	9	could	could	AUX
fsr-3378	124	10	affect	affect	VERB
fsr-3378	124	11	a	a	DET
fsr-3378	124	12	credit	credit	NOUN
fsr-3378	124	13	score	score	NOUN
fsr-3378	124	14	at	at	ADP
fsr-3378	124	15	any	any	PRON
fsr-3378	124	16	of	of	ADP
fsr-3378	124	17	the	the	DET
fsr-3378	124	18	three	three	NUM
fsr-3378	124	19	bureaus	bureaus	NOUN
fsr-3378	124	20	,	,	PUNCT
fsr-3378	124	21	suggest	suggest	VERB
fsr-3378	124	22	a	a	DET
fsr-3378	124	23	mismatching	mismatching	NOUN
fsr-3378	124	24	of	of	ADP
fsr-3378	124	25	records	record	NOUN
fsr-3378	124	26	from	from	ADP
fsr-3378	124	27	another	another	DET
fsr-3378	124	28	individual	individual	NOUN
fsr-3378	124	29	,	,	PUNCT
fsr-3378	124	30	or	or	CCONJ
fsr-3378	124	31	suggest	suggest	VERB
fsr-3378	124	32	the	the	DET
fsr-3378	124	33	possibility	possibility	NOUN
fsr-3378	124	34	of	of	ADP
fsr-3378	124	35	identity	identity	NOUN
fsr-3378	124	36	theft	theft	NOUN
fsr-3378	124	37	(	(	PUNCT
fsr-3378	124	38	as	as	ADP
fsr-3378	124	39	when	when	SCONJ
fsr-3378	124	40	unknown	unknown	ADJ
fsr-3378	124	41	accounts	account	NOUN
fsr-3378	124	42	or	or	CCONJ
fsr-3378	124	43	inexplicable	inexplicable	ADJ
fsr-3378	124	44	balances	balance	NOUN
fsr-3378	124	45	appeared	appear	VERB
fsr-3378	124	46	in	in	ADP
fsr-3378	124	47	a	a	DET
fsr-3378	124	48	credit	credit	NOUN
fsr-3378	124	49	report	report	NOUN
fsr-3378	124	50	)	)	PUNCT
fsr-3378	124	51	.	.	PUNCT
fsr-3378	125	1	we	we	PRON
fsr-3378	125	2	tracked	track	VERB
fsr-3378	125	3	the	the	DET
fsr-3378	125	4	results	result	NOUN
fsr-3378	125	5	of	of	ADP
fsr-3378	125	6	the	the	DET
fsr-3378	125	7	disputes	dispute	NOUN
fsr-3378	125	8	and	and	CCONJ
fsr-3378	125	9	determined	determine	VERB
fsr-3378	125	10	exactly	exactly	ADV
fsr-3378	125	11	how	how	SCONJ
fsr-3378	125	12	any	any	DET
fsr-3378	125	13	corrections	correction	NOUN
fsr-3378	125	14	to	to	ADP
fsr-3378	125	15	the	the	DET
fsr-3378	125	16	disputed	dispute	VERB
fsr-3378	125	17	file	file	NOUN
fsr-3378	125	18	would	would	AUX
fsr-3378	125	19	have	have	AUX
fsr-3378	125	20	affected	affect	VERB
fsr-3378	125	21	the	the	DET
fsr-3378	125	22	fico	fico	NOUN
fsr-3378	125	23	credit	credit	NOUN
fsr-3378	125	24	score	score	NOUN
fsr-3378	125	25	.	.	PUNCT
fsr-3378	126	1	this	this	PRON
fsr-3378	126	2	was	be	AUX
fsr-3378	126	3	accomplished	accomplish	VERB
fsr-3378	126	4	by	by	ADP
fsr-3378	126	5	having	have	VERB
fsr-3378	126	6	fico	fico	NOUN
fsr-3378	126	7	compute	compute	VERB
fsr-3378	126	8	the	the	DET
fsr-3378	126	9	credit	credit	NOUN
fsr-3378	126	10	scores	score	NOUN
fsr-3378	126	11	for	for	ADP
fsr-3378	126	12	the	the	DET
fsr-3378	126	13	three	three	NUM
fsr-3378	126	14	credit	credit	NOUN
fsr-3378	126	15	reports	report	NOUN
fsr-3378	126	16	reviewed	review	VERB
fsr-3378	126	17	by	by	ADP
fsr-3378	126	18	a	a	DET
fsr-3378	126	19	participant	participant	NOUN
fsr-3378	126	20	,	,	PUNCT
fsr-3378	126	21	freeze	freeze	VERB
fsr-3378	126	22	the	the	DET
fsr-3378	126	23	files	file	NOUN
fsr-3378	126	24	that	that	PRON
fsr-3378	126	25	were	be	AUX
fsr-3378	126	26	reviewed	review	VERB
fsr-3378	126	27	,	,	PUNCT
fsr-3378	126	28	draw	draw	VERB
fsr-3378	126	29	new	new	ADJ
fsr-3378	126	30	credit	credit	NOUN
fsr-3378	126	31	report(s	report(s	NOUN
fsr-3378	126	32	)	)	PUNCT
fsr-3378	126	33	after	after	ADP
fsr-3378	126	34	an	an	DET
fsr-3378	126	35	appropriate	appropriate	ADJ
fsr-3378	126	36	interval	interval	NOUN
fsr-3378	126	37	to	to	PART
fsr-3378	126	38	determine	determine	VERB
fsr-3378	126	39	the	the	DET
fsr-3378	126	40	results	result	NOUN
fsr-3378	126	41	of	of	ADP
fsr-3378	126	42	dispute(s	dispute(s	NOUN
fsr-3378	126	43	)	)	PUNCT
fsr-3378	126	44	filed	file	VERB
fsr-3378	126	45	,	,	PUNCT
fsr-3378	126	46	impose	impose	VERB
fsr-3378	126	47	corrections	correction	NOUN
fsr-3378	126	48	made	make	VERB
fsr-3378	126	49	in	in	ADP
fsr-3378	126	50	response	response	NOUN
fsr-3378	126	51	to	to	ADP
fsr-3378	126	52	disputes	dispute	NOUN
fsr-3378	126	53	on	on	ADP
fsr-3378	126	54	the	the	DET
fsr-3378	126	55	original	original	ADJ
fsr-3378	126	56	frozen	frozen	ADJ
fsr-3378	126	57	file(s)and	file(s)and	NOUN
fsr-3378	126	58	rescore	rescore	NOUN
fsr-3378	126	59	the	the	DET
fsr-3378	126	60	corrected	correct	VERB
fsr-3378	126	61	file(s	file(s	NOUN
fsr-3378	126	62	)	)	PUNCT
fsr-3378	126	63	using	use	VERB
fsr-3378	126	64	the	the	DET
fsr-3378	126	65	same	same	ADJ
fsr-3378	126	66	scoring	scoring	NOUN
fsr-3378	126	67	algorithm	algorithm	NOUN
fsr-3378	126	68	.	.	PUNCT
fsr-3378	127	1	it	it	PRON
fsr-3378	127	2	should	should	AUX
fsr-3378	127	3	be	be	AUX
fsr-3378	127	4	noted	note	VERB
fsr-3378	127	5	that	that	SCONJ
fsr-3378	127	6	our	our	PRON
fsr-3378	127	7	methodology	methodology	NOUN
fsr-3378	127	8	is	be	AUX
fsr-3378	127	9	unique	unique	ADJ
fsr-3378	127	10	.	.	PUNCT
fsr-3378	128	1	other	other	ADJ
fsr-3378	128	2	published	publish	VERB
fsr-3378	128	3	research	research	NOUN
fsr-3378	128	4	has	have	AUX
fsr-3378	128	5	tended	tend	VERB
fsr-3378	128	6	to	to	PART
fsr-3378	128	7	use	use	VERB
fsr-3378	128	8	mathematical	mathematical	ADJ
fsr-3378	128	9	models	model	NOUN
fsr-3378	128	10	which	which	PRON
fsr-3378	128	11	produced	produce	VERB
fsr-3378	128	12	pseudo	pseudo	NOUN
fsr-3378	128	13	credit	credit	NOUN
fsr-3378	128	14	scores	score	NOUN
fsr-3378	128	15	as	as	ADP
fsr-3378	128	16	an	an	DET
fsr-3378	128	17	alternative	alternative	NOUN
fsr-3378	128	18	to	to	ADP
fsr-3378	128	19	this	this	DET
fsr-3378	128	20	labor	labor	NOUN
fsr-3378	128	21	-	-	PUNCT
fsr-3378	128	22	intensive	intensive	ADJ
fsr-3378	128	23	procedure	procedure	NOUN
fsr-3378	128	24	.	.	PUNCT
fsr-3378	129	1	to	to	ADP
fsr-3378	129	2	our	our	PRON
fsr-3378	129	3	knowledge	knowledge	NOUN
fsr-3378	129	4	,	,	PUNCT
fsr-3378	129	5	no	no	DET
fsr-3378	129	6	other	other	ADJ
fsr-3378	129	7	study	study	NOUN
fsr-3378	129	8	of	of	ADP
fsr-3378	129	9	credit	credit	NOUN
fsr-3378	129	10	usage	usage	NOUN
fsr-3378	129	11	and	and	CCONJ
fsr-3378	129	12	credit	credit	NOUN
fsr-3378	129	13	management	management	NOUN
fsr-3378	129	14	has	have	AUX
fsr-3378	129	15	involved	involve	VERB
fsr-3378	129	16	an	an	DET
fsr-3378	129	17	in	in	ADP
fsr-3378	129	18	-	-	PUNCT
fsr-3378	129	19	depth	depth	NOUN
fsr-3378	129	20	verification	verification	NOUN
fsr-3378	129	21	of	of	ADP
fsr-3378	129	22	data	datum	NOUN
fsr-3378	129	23	for	for	ADP
fsr-3378	129	24	each	each	DET
fsr-3378	129	25	consumer	consumer	NOUN
fsr-3378	129	26	by	by	ADP
fsr-3378	129	27	a	a	DET
fsr-3378	129	28	thorough	thorough	ADJ
fsr-3378	129	29	review	review	NOUN
fsr-3378	129	30	of	of	ADP
fsr-3378	129	31	all	all	DET
fsr-3378	129	32	three	three	NUM
fsr-3378	129	33	credit	credit	NOUN
fsr-3378	129	34	reports	report	NOUN
fsr-3378	129	35	using	use	VERB
fsr-3378	129	36	a	a	DET
fsr-3378	129	37	nationally	nationally	ADV
fsr-3378	129	38	representative	representative	ADJ
fsr-3378	129	39	sample	sample	NOUN
fsr-3378	129	40	.	.	PUNCT
fsr-3378	130	1	no	no	DET
fsr-3378	130	2	other	other	ADJ
fsr-3378	130	3	study	study	NOUN
fsr-3378	130	4	has	have	AUX
fsr-3378	130	5	analyzed	analyze	VERB
fsr-3378	130	6	the	the	DET
fsr-3378	130	7	entire	entire	ADJ
fsr-3378	130	8	credit	credit	NOUN
fsr-3378	130	9	cycle	cycle	NOUN
fsr-3378	130	10	from	from	ADP
fsr-3378	130	11	credit	credit	NOUN
fsr-3378	130	12	usage	usage	NOUN
fsr-3378	130	13	through	through	ADP
fsr-3378	130	14	correction	correction	NOUN
fsr-3378	130	15	of	of	ADP
fsr-3378	130	16	errors	error	NOUN
fsr-3378	130	17	in	in	ADP
fsr-3378	130	18	the	the	DET
fsr-3378	130	19	credit	credit	NOUN
fsr-3378	130	20	file	file	NOUN
fsr-3378	130	21	with	with	ADP
fsr-3378	130	22	complementary	complementary	ADJ
fsr-3378	130	23	survey	survey	NOUN
fsr-3378	130	24	data	datum	NOUN
fsr-3378	130	25	giving	give	VERB
fsr-3378	130	26	detailed	detailed	ADJ
fsr-3378	130	27	demographics	demographic	NOUN
fsr-3378	130	28	and	and	CCONJ
fsr-3378	130	29	related	relate	VERB
fsr-3378	130	30	information	information	NOUN
fsr-3378	130	31	about	about	ADP
fsr-3378	130	32	family	family	NOUN
fsr-3378	130	33	circumstances	circumstance	NOUN
fsr-3378	130	34	and	and	CCONJ
fsr-3378	130	35	life	life	NOUN
fsr-3378	130	36	events	event	NOUN
fsr-3378	130	37	.	.	PUNCT
fsr-3378	131	1	fig	fig	NOUN
fsr-3378	131	2	.	.	PUNCT
fsr-3378	132	1	2	2	NUM
fsr-3378	132	2	shows	show	VERB
fsr-3378	132	3	the	the	DET
fsr-3378	132	4	flow	flow	NOUN
fsr-3378	132	5	of	of	ADP
fsr-3378	132	6	participants	participant	NOUN
fsr-3378	132	7	through	through	ADP
fsr-3378	132	8	the	the	DET
fsr-3378	132	9	study	study	NOUN
fsr-3378	132	10	process	process	NOUN
fsr-3378	132	11	.	.	PUNCT
fsr-3378	133	1	in	in	ADP
fsr-3378	133	2	the	the	DET
fsr-3378	133	3	sections	section	NOUN
fsr-3378	133	4	to	to	PART
fsr-3378	133	5	follow	follow	VERB
fsr-3378	133	6	,	,	PUNCT
fsr-3378	133	7	we	we	PRON
fsr-3378	133	8	use	use	VERB
fsr-3378	133	9	multivariate	multivariate	NOUN
fsr-3378	133	10	analysis	analysis	NOUN
fsr-3378	133	11	to	to	PART
fsr-3378	133	12	study	study	VERB
fsr-3378	133	13	how	how	SCONJ
fsr-3378	133	14	credit	credit	NOUN
fsr-3378	133	15	utilization	utilization	NOUN
fsr-3378	133	16	and	and	CCONJ
fsr-3378	133	17	payment	payment	NOUN
fsr-3378	133	18	history	history	NOUN
fsr-3378	133	19	varied	varied	ADJ
fsr-3378	133	20	for	for	ADP
fsr-3378	133	21	all	all	DET
fsr-3378	133	22	1,001	1,001	NUM
fsr-3378	133	23	participants	participant	NOUN
fsr-3378	133	24	and	and	CCONJ
fsr-3378	133	25	also	also	ADV
fsr-3378	133	26	to	to	PART
fsr-3378	133	27	examine	examine	VERB
fsr-3378	133	28	how	how	SCONJ
fsr-3378	133	29	the	the	DET
fsr-3378	133	30	outcomes	outcome	NOUN
fsr-3378	133	31	of	of	ADP
fsr-3378	133	32	disputes	dispute	NOUN
fsr-3378	133	33	varied	varied	ADJ
fsr-3378	133	34	for	for	ADP
fsr-3378	133	35	263	263	NUM
fsr-3378	133	36	participants	participant	NOUN
fsr-3378	133	37	who	who	PRON
fsr-3378	133	38	allegedly	allegedly	ADV
fsr-3378	133	39	discovered	discover	VERB
fsr-3378	133	40	potentially	potentially	ADV
fsr-3378	133	41	material	material	ADJ
fsr-3378	133	42	errors	error	NOUN
fsr-3378	133	43	in	in	ADP
fsr-3378	133	44	one	one	NUM
fsr-3378	133	45	or	or	CCONJ
fsr-3378	133	46	more	more	ADJ
fsr-3378	133	47	of	of	ADP
fsr-3378	133	48	their	their	PRON
fsr-3378	133	49	credit	credit	NOUN
fsr-3378	133	50	files	file	NOUN
fsr-3378	133	51	.	.	PUNCT
fsr-3378	134	1	summary	summary	NOUN
fsr-3378	134	2	statistics	statistic	NOUN
fsr-3378	134	3	for	for	ADP
fsr-3378	134	4	variables	variable	NOUN
fsr-3378	134	5	used	use	VERB
fsr-3378	134	6	in	in	ADP
fsr-3378	134	7	the	the	DET
fsr-3378	134	8	analysis	analysis	NOUN
fsr-3378	134	9	are	be	AUX
fsr-3378	134	10	provided	provide	VERB
fsr-3378	134	11	in	in	ADP
fsr-3378	134	12	appendix	appendix	ADJ
fsr-3378	134	13	a.	a.	NOUN
fsr-3378	134	14	4	4	NUM
fsr-3378	134	15	.	.	PUNCT
fsr-3378	135	1	analysis	analysis	NOUN
fsr-3378	135	2	we	we	PRON
fsr-3378	135	3	use	use	VERB
fsr-3378	135	4	a	a	DET
fsr-3378	135	5	hierarchical	hierarchical	ADJ
fsr-3378	135	6	set	set	NOUN
fsr-3378	135	7	of	of	ADP
fsr-3378	135	8	multiple	multiple	ADJ
fsr-3378	135	9	regression	regression	NOUN
fsr-3378	135	10	and	and	CCONJ
fsr-3378	135	11	logistic	logistic	ADJ
fsr-3378	135	12	regression	regression	NOUN
fsr-3378	135	13	models	model	NOUN
fsr-3378	135	14	to	to	PART
fsr-3378	135	15	investigate	investigate	VERB
fsr-3378	135	16	portions	portion	NOUN
fsr-3378	135	17	of	of	ADP
fsr-3378	135	18	the	the	DET
fsr-3378	135	19	dynamics	dynamic	NOUN
fsr-3378	135	20	represented	represent	VERB
fsr-3378	135	21	in	in	ADP
fsr-3378	135	22	fig	fig	NOUN
fsr-3378	135	23	.	.	PUNCT
fsr-3378	136	1	1	1	X
fsr-3378	136	2	.	.	PUNCT
fsr-3378	137	1	the	the	DET
fsr-3378	137	2	models	model	NOUN
fsr-3378	137	3	were	be	AUX
fsr-3378	137	4	structured	structure	VERB
fsr-3378	137	5	with	with	ADP
fsr-3378	137	6	the	the	DET
fsr-3378	137	7	following	follow	VERB
fsr-3378	137	8	general	general	ADJ
fsr-3378	137	9	forms	form	NOUN
fsr-3378	137	10	:	:	PUNCT
fsr-3378	137	11	8	8	NUM
fsr-3378	137	12	l.d	l.d	PROPN
fsr-3378	137	13	.	.	PROPN
fsr-3378	137	14	smith	smith	PROPN
fsr-3378	137	15	et	et	PROPN
fsr-3378	137	16	al	al	PROPN
fsr-3378	137	17	.	.	PUNCT
fsr-3378	137	18	/	/	SYM
fsr-3378	137	19	financial	financial	ADJ
fsr-3378	137	20	services	service	NOUN
fsr-3378	137	21	review	review	VERB
fsr-3378	137	22	27	27	NUM
fsr-3378	137	23	(	(	PUNCT
fsr-3378	137	24	2018	2018	NUM
fsr-3378	137	25	)	)	PUNCT
fsr-3378	137	26	1	1	NUM
fsr-3378	137	27	-	-	SYM
fsr-3378	137	28	28	28	NUM
fsr-3378	137	29	fig	fig	NOUN
fsr-3378	137	30	.	.	PUNCT
fsr-3378	138	1	2	2	X
fsr-3378	138	2	.	.	X
fsr-3378	138	3	flowchart	flowchart	NOUN
fsr-3378	138	4	of	of	ADP
fsr-3378	138	5	the	the	DET
fsr-3378	138	6	study	study	NOUN
fsr-3378	138	7	process	process	NOUN
fsr-3378	138	8	.	.	PUNCT
fsr-3378	139	1	9l.d	9l.d	X
fsr-3378	139	2	.	.	PUNCT
fsr-3378	139	3	smith	smith	PROPN
fsr-3378	139	4	et	et	PROPN
fsr-3378	139	5	al	al	PROPN
fsr-3378	139	6	.	.	PUNCT
fsr-3378	139	7	/	/	SYM
fsr-3378	139	8	financial	financial	ADJ
fsr-3378	139	9	services	service	NOUN
fsr-3378	139	10	review	review	VERB
fsr-3378	139	11	27	27	NUM
fsr-3378	139	12	(	(	PUNCT
fsr-3378	139	13	2018	2018	NUM
fsr-3378	139	14	)	)	PUNCT
fsr-3378	139	15	1	1	NUM
fsr-3378	139	16	-	-	SYM
fsr-3378	139	17	28	28	NUM
fsr-3378	139	18	fig	fig	NOUN
fsr-3378	139	19	.	.	PUNCT
fsr-3378	140	1	2	2	X
fsr-3378	140	2	.	.	PUNCT
fsr-3378	140	3	(	(	PUNCT
fsr-3378	140	4	continued	continue	VERB
fsr-3378	140	5	)	)	PUNCT
fsr-3378	140	6	.	.	PUNCT
fsr-3378	141	1	10	10	NUM
fsr-3378	141	2	l.d	l.d	PROPN
fsr-3378	141	3	.	.	PROPN
fsr-3378	141	4	smith	smith	PROPN
fsr-3378	141	5	et	et	PROPN
fsr-3378	141	6	al	al	PROPN
fsr-3378	141	7	.	.	PUNCT
fsr-3378	141	8	/	/	SYM
fsr-3378	141	9	financial	financial	ADJ
fsr-3378	141	10	services	service	NOUN
fsr-3378	141	11	review	review	VERB
fsr-3378	141	12	27	27	NUM
fsr-3378	141	13	(	(	PUNCT
fsr-3378	141	14	2018	2018	NUM
fsr-3378	141	15	)	)	PUNCT
fsr-3378	141	16	1	1	NUM
fsr-3378	141	17	-	-	SYM
fsr-3378	141	18	28	28	NUM
fsr-3378	141	19	y	y	PROPN
fsr-3378	141	20	credit	credit	NOUN
fsr-3378	141	21	utilization	utilization	NOUN
fsr-3378	141	22	(	(	PUNCT
fsr-3378	141	23	two	two	NUM
fsr-3378	141	24	measures	measure	NOUN
fsr-3378	141	25	)	)	PUNCT
fsr-3378	141	26	�	�	PROPN
fsr-3378	141	27	f(demographic	f(demographic	ADJ
fsr-3378	141	28	group	group	NOUN
fsr-3378	141	29	,	,	PUNCT
fsr-3378	141	30	household	household	NOUN
fsr-3378	141	31	characteristics	characteristic	NOUN
fsr-3378	141	32	,	,	PUNCT
fsr-3378	141	33	family	family	NOUN
fsr-3378	141	34	resources	resource	NOUN
fsr-3378	141	35	,	,	PUNCT
fsr-3378	141	36	credit	credit	NOUN
fsr-3378	141	37	-	-	PUNCT
fsr-3378	141	38	management	management	NOUN
fsr-3378	141	39	education	education	NOUN
fsr-3378	141	40	,	,	PUNCT
fsr-3378	141	41	stressful	stressful	ADJ
fsr-3378	141	42	events	event	NOUN
fsr-3378	141	43	)	)	PUNCT
fsr-3378	141	44	using	use	VERB
fsr-3378	141	45	regression	regression	NOUN
fsr-3378	141	46	.	.	PUNCT
fsr-3378	142	1	y	y	PROPN
fsr-3378	142	2	credit	credit	NOUN
fsr-3378	142	3	management	management	NOUN
fsr-3378	142	4	(	(	PUNCT
fsr-3378	142	5	two	two	NUM
fsr-3378	142	6	measures	measure	NOUN
fsr-3378	142	7	)	)	PUNCT
fsr-3378	142	8	�	�	PROPN
fsr-3378	142	9	f(credit	f(credit	NOUN
fsr-3378	142	10	utilization	utilization	NOUN
fsr-3378	142	11	,	,	PUNCT
fsr-3378	142	12	demographic	demographic	ADJ
fsr-3378	142	13	group	group	NOUN
fsr-3378	142	14	,	,	PUNCT
fsr-3378	142	15	household	household	NOUN
fsr-3378	142	16	characteristics	characteristic	NOUN
fsr-3378	142	17	,	,	PUNCT
fsr-3378	142	18	family	family	NOUN
fsr-3378	142	19	resources	resource	NOUN
fsr-3378	142	20	,	,	PUNCT
fsr-3378	142	21	credit	credit	NOUN
fsr-3378	142	22	-	-	PUNCT
fsr-3378	142	23	management	management	NOUN
fsr-3378	142	24	education	education	NOUN
fsr-3378	142	25	,	,	PUNCT
fsr-3378	142	26	stressful	stressful	ADJ
fsr-3378	142	27	events	event	NOUN
fsr-3378	142	28	)	)	PUNCT
fsr-3378	142	29	using	use	VERB
fsr-3378	142	30	logistic	logistic	ADJ
fsr-3378	142	31	regression	regression	NOUN
fsr-3378	142	32	.	.	PUNCT
fsr-3378	143	1	y	y	PROPN
fsr-3378	143	2	credit	credit	NOUN
fsr-3378	143	3	record	record	NOUN
fsr-3378	143	4	(	(	PUNCT
fsr-3378	143	5	one	one	NUM
fsr-3378	143	6	measure	measure	NOUN
fsr-3378	143	7	)	)	PUNCT
fsr-3378	143	8	�	�	PROPN
fsr-3378	143	9	f(credit	f(credit	NOUN
fsr-3378	143	10	management	management	NOUN
fsr-3378	143	11	,	,	PUNCT
fsr-3378	143	12	credit	credit	NOUN
fsr-3378	143	13	utilization	utilization	NOUN
fsr-3378	143	14	,	,	PUNCT
fsr-3378	143	15	demographic	demographic	ADJ
fsr-3378	143	16	group	group	NOUN
fsr-3378	143	17	,	,	PUNCT
fsr-3378	143	18	household	household	NOUN
fsr-3378	143	19	characteristics	characteristic	NOUN
fsr-3378	143	20	,	,	PUNCT
fsr-3378	143	21	family	family	NOUN
fsr-3378	143	22	resources	resource	NOUN
fsr-3378	143	23	,	,	PUNCT
fsr-3378	143	24	credit	credit	NOUN
fsr-3378	143	25	-	-	PUNCT
fsr-3378	143	26	management	management	NOUN
fsr-3378	143	27	education	education	NOUN
fsr-3378	143	28	,	,	PUNCT
fsr-3378	143	29	stressful	stressful	ADJ
fsr-3378	143	30	events	event	NOUN
fsr-3378	143	31	,	,	PUNCT
fsr-3378	143	32	industry	industry	NOUN
fsr-3378	143	33	practice	practice	NOUN
fsr-3378	143	34	)	)	PUNCT
fsr-3378	143	35	using	use	VERB
fsr-3378	143	36	regression	regression	NOUN
fsr-3378	143	37	.	.	PUNCT
fsr-3378	144	1	y	y	NOUN
fsr-3378	144	2	consumer	consumer	NOUN
fsr-3378	144	3	action	action	NOUN
fsr-3378	144	4	for	for	ADP
fsr-3378	144	5	remediation	remediation	NOUN
fsr-3378	144	6	(	(	PUNCT
fsr-3378	144	7	one	one	NUM
fsr-3378	144	8	measure	measure	NOUN
fsr-3378	144	9	)	)	PUNCT
fsr-3378	144	10	�	�	PROPN
fsr-3378	144	11	f(credit	f(credit	NOUN
fsr-3378	144	12	record	record	NOUN
fsr-3378	144	13	,	,	PUNCT
fsr-3378	144	14	credit	credit	NOUN
fsr-3378	144	15	management	management	NOUN
fsr-3378	144	16	,	,	PUNCT
fsr-3378	144	17	credit	credit	NOUN
fsr-3378	144	18	utilization	utilization	NOUN
fsr-3378	144	19	,	,	PUNCT
fsr-3378	144	20	demographic	demographic	ADJ
fsr-3378	144	21	group	group	NOUN
fsr-3378	144	22	,	,	PUNCT
fsr-3378	144	23	household	household	NOUN
fsr-3378	144	24	characteristics	characteristic	NOUN
fsr-3378	144	25	,	,	PUNCT
fsr-3378	144	26	family	family	NOUN
fsr-3378	144	27	resources	resource	NOUN
fsr-3378	144	28	,	,	PUNCT
fsr-3378	144	29	creditmanagement	creditmanagement	ADJ
fsr-3378	144	30	education	education	NOUN
fsr-3378	144	31	,	,	PUNCT
fsr-3378	144	32	stressful	stressful	ADJ
fsr-3378	144	33	events	event	NOUN
fsr-3378	144	34	,	,	PUNCT
fsr-3378	144	35	industry	industry	NOUN
fsr-3378	144	36	practice	practice	NOUN
fsr-3378	144	37	)	)	PUNCT
fsr-3378	144	38	using	use	VERB
fsr-3378	144	39	logistic	logistic	ADJ
fsr-3378	144	40	regression	regression	NOUN
fsr-3378	144	41	.	.	PUNCT
fsr-3378	145	1	y	y	PROPN
fsr-3378	145	2	remediation	remediation	NOUN
fsr-3378	145	3	outcome	outcome	NOUN
fsr-3378	145	4	(	(	PUNCT
fsr-3378	145	5	two	two	NUM
fsr-3378	145	6	measures	measure	NOUN
fsr-3378	145	7	)	)	PUNCT
fsr-3378	145	8	�	�	PROPN
fsr-3378	145	9	f(consumer	f(consumer	NOUN
fsr-3378	145	10	action	action	NOUN
fsr-3378	145	11	for	for	ADP
fsr-3378	145	12	remediation	remediation	NOUN
fsr-3378	145	13	,	,	PUNCT
fsr-3378	145	14	credit	credit	NOUN
fsr-3378	145	15	record	record	NOUN
fsr-3378	145	16	,	,	PUNCT
fsr-3378	145	17	credit	credit	NOUN
fsr-3378	145	18	management	management	NOUN
fsr-3378	145	19	,	,	PUNCT
fsr-3378	145	20	credit	credit	NOUN
fsr-3378	145	21	utilization	utilization	NOUN
fsr-3378	145	22	,	,	PUNCT
fsr-3378	145	23	demographic	demographic	ADJ
fsr-3378	145	24	group	group	NOUN
fsr-3378	145	25	,	,	PUNCT
fsr-3378	145	26	household	household	NOUN
fsr-3378	145	27	characteristics	characteristic	NOUN
fsr-3378	145	28	,	,	PUNCT
fsr-3378	145	29	family	family	NOUN
fsr-3378	145	30	resources	resource	NOUN
fsr-3378	145	31	,	,	PUNCT
fsr-3378	145	32	credit	credit	NOUN
fsr-3378	145	33	-	-	PUNCT
fsr-3378	145	34	management	management	NOUN
fsr-3378	145	35	education	education	NOUN
fsr-3378	145	36	,	,	PUNCT
fsr-3378	145	37	stressful	stressful	ADJ
fsr-3378	145	38	events	event	NOUN
fsr-3378	145	39	,	,	PUNCT
fsr-3378	145	40	industry	industry	NOUN
fsr-3378	145	41	practice	practice	NOUN
fsr-3378	145	42	)	)	PUNCT
fsr-3378	145	43	using	use	VERB
fsr-3378	145	44	logistic	logistic	ADJ
fsr-3378	145	45	regression	regression	NOUN
fsr-3378	145	46	.	.	PUNCT
fsr-3378	146	1	specific	specific	ADJ
fsr-3378	146	2	variables	variable	NOUN
fsr-3378	146	3	used	use	VERB
fsr-3378	146	4	to	to	PART
fsr-3378	146	5	represent	represent	VERB
fsr-3378	146	6	the	the	DET
fsr-3378	146	7	various	various	ADJ
fsr-3378	146	8	factors	factor	NOUN
fsr-3378	146	9	are	be	AUX
fsr-3378	146	10	enumerated	enumerate	VERB
fsr-3378	146	11	in	in	ADP
fsr-3378	146	12	table	table	NOUN
fsr-3378	146	13	1	1	NUM
fsr-3378	146	14	.	.	PUNCT
fsr-3378	146	15	using	use	VERB
fsr-3378	146	16	this	this	DET
fsr-3378	146	17	methodology	methodology	NOUN
fsr-3378	146	18	,	,	PUNCT
fsr-3378	146	19	we	we	PRON
fsr-3378	146	20	are	be	AUX
fsr-3378	146	21	able	able	ADJ
fsr-3378	146	22	to	to	PART
fsr-3378	146	23	demonstrate	demonstrate	VERB
fsr-3378	146	24	the	the	DET
fsr-3378	146	25	extent	extent	NOUN
fsr-3378	146	26	to	to	PART
fsr-3378	146	27	which	which	PRON
fsr-3378	146	28	the	the	DET
fsr-3378	146	29	main	main	ADJ
fsr-3378	146	30	factors	factor	NOUN
fsr-3378	146	31	explain	explain	VERB
fsr-3378	146	32	variation	variation	NOUN
fsr-3378	146	33	in	in	ADP
fsr-3378	146	34	the	the	DET
fsr-3378	146	35	target	target	NOUN
fsr-3378	146	36	variables	variable	NOUN
fsr-3378	146	37	—	—	PUNCT
fsr-3378	146	38	not	not	PART
fsr-3378	146	39	just	just	ADV
fsr-3378	146	40	the	the	DET
fsr-3378	146	41	effects	effect	NOUN
fsr-3378	146	42	of	of	ADP
fsr-3378	146	43	individual	individual	ADJ
fsr-3378	146	44	variables	variable	NOUN
fsr-3378	146	45	which	which	PRON
fsr-3378	146	46	compose	compose	VERB
fsr-3378	146	47	the	the	DET
fsr-3378	146	48	factors	factor	NOUN
fsr-3378	146	49	.	.	PUNCT
fsr-3378	147	1	we	we	PRON
fsr-3378	147	2	investigate	investigate	VERB
fsr-3378	147	3	whether	whether	SCONJ
fsr-3378	147	4	blocks	block	NOUN
fsr-3378	147	5	of	of	ADP
fsr-3378	147	6	explanatory	explanatory	ADJ
fsr-3378	147	7	variables	variable	NOUN
fsr-3378	147	8	for	for	ADP
fsr-3378	147	9	the	the	DET
fsr-3378	147	10	major	major	ADJ
fsr-3378	147	11	factors	factor	NOUN
fsr-3378	147	12	are	be	AUX
fsr-3378	147	13	significantly	significantly	ADV
fsr-3378	147	14	related	relate	VERB
fsr-3378	147	15	to	to	ADP
fsr-3378	147	16	the	the	DET
fsr-3378	147	17	outcome	outcome	NOUN
fsr-3378	147	18	measures	measure	NOUN
fsr-3378	147	19	on	on	ADP
fsr-3378	147	20	their	their	PRON
fsr-3378	147	21	own	own	ADJ
fsr-3378	147	22	and	and	CCONJ
fsr-3378	147	23	whether	whether	SCONJ
fsr-3378	147	24	they	they	PRON
fsr-3378	147	25	contribute	contribute	VERB
fsr-3378	147	26	marginal	marginal	ADJ
fsr-3378	147	27	information	information	NOUN
fsr-3378	147	28	after	after	ADP
fsr-3378	147	29	accounting	account	VERB
fsr-3378	147	30	for	for	ADP
fsr-3378	147	31	the	the	DET
fsr-3378	147	32	effects	effect	NOUN
fsr-3378	147	33	of	of	ADP
fsr-3378	147	34	the	the	DET
fsr-3378	147	35	other	other	ADJ
fsr-3378	147	36	factors	factor	NOUN
fsr-3378	147	37	.	.	PUNCT
fsr-3378	148	1	the	the	DET
fsr-3378	148	2	statistical	statistical	ADJ
fsr-3378	148	3	significance	significance	NOUN
fsr-3378	148	4	for	for	ADP
fsr-3378	148	5	blocks	block	NOUN
fsr-3378	148	6	of	of	ADP
fsr-3378	148	7	variables	variable	NOUN
fsr-3378	148	8	in	in	ADP
fsr-3378	148	9	the	the	DET
fsr-3378	148	10	regression	regression	NOUN
fsr-3378	148	11	models	model	NOUN
fsr-3378	148	12	is	be	AUX
fsr-3378	148	13	determined	determine	VERB
fsr-3378	148	14	by	by	ADP
fsr-3378	148	15	performing	perform	VERB
fsr-3378	148	16	nested	nest	VERB
fsr-3378	148	17	f	f	PROPN
fsr-3378	148	18	tests	test	NOUN
fsr-3378	148	19	for	for	ADP
fsr-3378	148	20	significant	significant	ADJ
fsr-3378	148	21	changes	change	NOUN
fsr-3378	148	22	in	in	ADP
fsr-3378	148	23	residual	residual	ADJ
fsr-3378	148	24	squared	square	VERB
fsr-3378	148	25	error	error	NOUN
fsr-3378	148	26	for	for	ADP
fsr-3378	148	27	the	the	DET
fsr-3378	148	28	regression	regression	NOUN
fsr-3378	148	29	models	model	NOUN
fsr-3378	148	30	.	.	PUNCT
fsr-3378	149	1	statistical	statistical	ADJ
fsr-3378	149	2	significance	significance	NOUN
fsr-3378	149	3	of	of	ADP
fsr-3378	149	4	blocks	block	NOUN
fsr-3378	149	5	of	of	ADP
fsr-3378	149	6	explanatory	explanatory	ADJ
fsr-3378	149	7	variables	variable	NOUN
fsr-3378	149	8	in	in	ADP
fsr-3378	149	9	the	the	DET
fsr-3378	149	10	logistic	logistic	ADJ
fsr-3378	149	11	models	model	NOUN
fsr-3378	149	12	is	be	AUX
fsr-3378	149	13	similarly	similarly	ADV
fsr-3378	149	14	determined	determine	VERB
fsr-3378	149	15	by	by	ADP
fsr-3378	149	16	performing	perform	VERB
fsr-3378	149	17	�	�	NOUN
fsr-3378	149	18	2	2	NUM
fsr-3378	149	19	tests	test	NOUN
fsr-3378	149	20	on	on	ADP
fsr-3378	149	21	the	the	DET
fsr-3378	149	22	change	change	NOUN
fsr-3378	149	23	in	in	ADP
fsr-3378	149	24	(	(	PUNCT
fsr-3378	149	25	�	�	PROPN
fsr-3378	149	26	2	2	NUM
fsr-3378	149	27	log(likelihood	log(likelihood	NOUN
fsr-3378	149	28	)	)	PUNCT
fsr-3378	149	29	)	)	PUNCT
fsr-3378	149	30	for	for	ADP
fsr-3378	149	31	the	the	DET
fsr-3378	149	32	fits	fit	NOUN
fsr-3378	149	33	of	of	ADP
fsr-3378	149	34	the	the	DET
fsr-3378	149	35	respective	respective	ADJ
fsr-3378	149	36	models	model	NOUN
fsr-3378	149	37	when	when	SCONJ
fsr-3378	149	38	the	the	DET
fsr-3378	149	39	block	block	NOUN
fsr-3378	149	40	of	of	ADP
fsr-3378	149	41	variables	variable	NOUN
fsr-3378	149	42	is	be	AUX
fsr-3378	149	43	removed	remove	VERB
fsr-3378	149	44	.	.	PUNCT
fsr-3378	150	1	table	table	NOUN
fsr-3378	150	2	1	1	NUM
fsr-3378	150	3	variables	variable	NOUN
fsr-3378	150	4	used	use	VERB
fsr-3378	150	5	in	in	ADP
fsr-3378	150	6	multivariate	multivariate	NOUN
fsr-3378	150	7	models	model	NOUN
fsr-3378	150	8	characteristic	characteristic	ADJ
fsr-3378	150	9	measurement	measurement	NOUN
fsr-3378	150	10	variables	variable	VERB
fsr-3378	150	11	credit	credit	NOUN
fsr-3378	150	12	utilization	utilization	NOUN
fsr-3378	150	13	revolving	revolve	VERB
fsr-3378	150	14	credit	credit	NOUN
fsr-3378	150	15	utilization	utilization	NOUN
fsr-3378	150	16	relative	relative	ADJ
fsr-3378	150	17	to	to	ADP
fsr-3378	150	18	credit	credit	NOUN
fsr-3378	150	19	limits	limit	NOUN
fsr-3378	150	20	;	;	PUNCT
fsr-3378	150	21	revolving	revolve	VERB
fsr-3378	150	22	credit	credit	NOUN
fsr-3378	150	23	relative	relative	ADJ
fsr-3378	150	24	to	to	ADP
fsr-3378	150	25	family	family	NOUN
fsr-3378	150	26	income	income	NOUN
fsr-3378	150	27	credit	credit	NOUN
fsr-3378	150	28	management	management	NOUN
fsr-3378	150	29	pays	pay	VERB
fsr-3378	150	30	more	more	ADJ
fsr-3378	150	31	than	than	ADP
fsr-3378	150	32	minimum	minimum	ADJ
fsr-3378	150	33	balance	balance	NOUN
fsr-3378	150	34	monthly	monthly	ADV
fsr-3378	150	35	;	;	PUNCT
fsr-3378	150	36	pays	pay	VERB
fsr-3378	150	37	off	off	ADP
fsr-3378	150	38	all	all	DET
fsr-3378	150	39	balances	balance	NOUN
fsr-3378	150	40	monthly	monthly	ADJ
fsr-3378	150	41	credit	credit	NOUN
fsr-3378	150	42	record	record	NOUN
fsr-3378	150	43	average	average	ADJ
fsr-3378	150	44	credit	credit	NOUN
fsr-3378	150	45	score	score	NOUN
fsr-3378	150	46	across	across	ADP
fsr-3378	150	47	three	three	NUM
fsr-3378	150	48	bureaus	bureaus	ADJ
fsr-3378	150	49	consumer	consumer	NOUN
fsr-3378	150	50	action	action	NOUN
fsr-3378	150	51	for	for	ADP
fsr-3378	150	52	remediation	remediation	NOUN
fsr-3378	150	53	alleges	allege	VERB
fsr-3378	150	54	material	material	NOUN
fsr-3378	150	55	error	error	NOUN
fsr-3378	150	56	in	in	ADP
fsr-3378	150	57	one	one	NUM
fsr-3378	150	58	or	or	CCONJ
fsr-3378	150	59	more	more	ADJ
fsr-3378	150	60	reports	report	NOUN
fsr-3378	150	61	and	and	CCONJ
fsr-3378	150	62	files	file	NOUN
fsr-3378	150	63	dispute(s	dispute(	VERB
fsr-3378	150	64	)	)	PUNCT
fsr-3378	150	65	with	with	ADP
fsr-3378	150	66	credit	credit	NOUN
fsr-3378	150	67	bureau(s	bureau(s	NOUN
fsr-3378	150	68	)	)	PUNCT
fsr-3378	150	69	remediation	remediation	NOUN
fsr-3378	150	70	outcome	outcome	NOUN
fsr-3378	150	71	change	change	NOUN
fsr-3378	150	72	in	in	ADP
fsr-3378	150	73	a	a	DET
fsr-3378	150	74	credit	credit	NOUN
fsr-3378	150	75	score	score	NOUN
fsr-3378	150	76	�	�	PROPN
fsr-3378	150	77	10	10	NUM
fsr-3378	150	78	points	point	NOUN
fsr-3378	150	79	;	;	PUNCT
fsr-3378	150	80	a	a	DET
fsr-3378	150	81	score	score	NOUN
fsr-3378	150	82	crosses	cross	VERB
fsr-3378	150	83	a	a	DET
fsr-3378	150	84	lending	lending	NOUN
fsr-3378	150	85	threshold	threshold	NOUN
fsr-3378	150	86	generally	generally	ADV
fsr-3378	150	87	used	use	VERB
fsr-3378	150	88	to	to	PART
fsr-3378	150	89	set	set	VERB
fsr-3378	150	90	terms	term	NOUN
fsr-3378	150	91	for	for	ADP
fsr-3378	150	92	credit	credit	NOUN
fsr-3378	150	93	demographic	demographic	ADJ
fsr-3378	150	94	group	group	NOUN
fsr-3378	150	95	age	age	NOUN
fsr-3378	150	96	(	(	PUNCT
fsr-3378	150	97	whether	whether	SCONJ
fsr-3378	150	98	under	under	ADP
fsr-3378	150	99	30	30	NUM
fsr-3378	150	100	)	)	PUNCT
fsr-3378	150	101	,	,	PUNCT
fsr-3378	150	102	gender	gender	NOUN
fsr-3378	150	103	,	,	PUNCT
fsr-3378	150	104	race	race	NOUN
fsr-3378	150	105	/	/	SYM
fsr-3378	150	106	ethnicity	ethnicity	NOUN
fsr-3378	150	107	(	(	PUNCT
fsr-3378	150	108	whether	whether	SCONJ
fsr-3378	150	109	asian	asian	ADJ
fsr-3378	150	110	or	or	CCONJ
fsr-3378	150	111	african	african	ADJ
fsr-3378	150	112	american	american	PROPN
fsr-3378	150	113	)	)	PUNCT
fsr-3378	150	114	;	;	PUNCT
fsr-3378	150	115	level	level	NOUN
fsr-3378	150	116	of	of	ADP
fsr-3378	150	117	education	education	NOUN
fsr-3378	150	118	(	(	PUNCT
fsr-3378	150	119	some	some	DET
fsr-3378	150	120	college	college	NOUN
fsr-3378	150	121	,	,	PUNCT
fsr-3378	150	122	whether	whether	SCONJ
fsr-3378	150	123	holds	hold	VERB
fsr-3378	150	124	graduate	graduate	NOUN
fsr-3378	150	125	degree	degree	NOUN
fsr-3378	150	126	)	)	PUNCT
fsr-3378	150	127	household	household	NOUN
fsr-3378	150	128	characteristics	characteristic	NOUN
fsr-3378	150	129	marital	marital	ADJ
fsr-3378	150	130	status	status	NOUN
fsr-3378	150	131	(	(	PUNCT
fsr-3378	150	132	married	married	ADJ
fsr-3378	150	133	)	)	PUNCT
fsr-3378	150	134	,	,	PUNCT
fsr-3378	150	135	owns	own	VERB
fsr-3378	150	136	home	home	NOUN
fsr-3378	150	137	,	,	PUNCT
fsr-3378	150	138	family	family	NOUN
fsr-3378	150	139	size	size	NOUN
fsr-3378	150	140	,	,	PUNCT
fsr-3378	150	141	number	number	NOUN
fsr-3378	150	142	of	of	ADP
fsr-3378	150	143	children	child	NOUN
fsr-3378	150	144	under	under	ADP
fsr-3378	150	145	18	18	NUM
fsr-3378	150	146	,	,	PUNCT
fsr-3378	150	147	employed	employ	VERB
fsr-3378	150	148	fulltime	fulltime	NOUN
fsr-3378	150	149	family	family	NOUN
fsr-3378	150	150	resources	resource	NOUN
fsr-3378	150	151	family	family	NOUN
fsr-3378	150	152	income	income	NOUN
fsr-3378	150	153	(	(	PUNCT
fsr-3378	150	154	whether	whether	SCONJ
fsr-3378	150	155	under	under	ADP
fsr-3378	150	156	$	$	SYM
fsr-3378	150	157	25k	25k	NUM
fsr-3378	150	158	,	,	PUNCT
fsr-3378	150	159	between	between	ADP
fsr-3378	150	160	$	$	SYM
fsr-3378	150	161	25k	25k	NUM
fsr-3378	150	162	and	and	CCONJ
fsr-3378	150	163	$	$	SYM
fsr-3378	150	164	50k	50k	NUM
fsr-3378	150	165	,	,	PUNCT
fsr-3378	150	166	or	or	CCONJ
fsr-3378	150	167	over	over	ADP
fsr-3378	150	168	$	$	SYM
fsr-3378	150	169	75k	75k	NOUN
fsr-3378	150	170	)	)	PUNCT
fsr-3378	150	171	,	,	PUNCT
fsr-3378	150	172	has	have	VERB
fsr-3378	150	173	contingency	contingency	NOUN
fsr-3378	150	174	funds	fund	NOUN
fsr-3378	150	175	to	to	PART
fsr-3378	150	176	cover	cover	VERB
fsr-3378	150	177	two	two	NUM
fsr-3378	150	178	months	month	NOUN
fsr-3378	150	179	without	without	ADP
fsr-3378	150	180	income	income	NOUN
fsr-3378	150	181	;	;	PUNCT
fsr-3378	150	182	participates	participate	VERB
fsr-3378	150	183	in	in	ADP
fsr-3378	150	184	retirement	retirement	NOUN
fsr-3378	150	185	plan	plan	NOUN
fsr-3378	150	186	,	,	PUNCT
fsr-3378	150	187	has	have	VERB
fsr-3378	150	188	other	other	ADJ
fsr-3378	150	189	retirement	retirement	NOUN
fsr-3378	150	190	savings	saving	NOUN
fsr-3378	150	191	stressful	stressful	ADJ
fsr-3378	150	192	events	event	NOUN
fsr-3378	150	193	unemployment	unemployment	NOUN
fsr-3378	150	194	;	;	PUNCT
fsr-3378	150	195	drop	drop	VERB
fsr-3378	150	196	in	in	ADP
fsr-3378	150	197	income	income	NOUN
fsr-3378	150	198	;	;	PUNCT
fsr-3378	150	199	recent	recent	ADJ
fsr-3378	150	200	birth	birth	NOUN
fsr-3378	150	201	;	;	PUNCT
fsr-3378	150	202	divorce	divorce	NOUN
fsr-3378	150	203	,	,	PUNCT
fsr-3378	150	204	separation	separation	NOUN
fsr-3378	150	205	or	or	CCONJ
fsr-3378	150	206	death	death	NOUN
fsr-3378	150	207	of	of	ADP
fsr-3378	150	208	spouse	spouse	NOUN
fsr-3378	150	209	;	;	PUNCT
fsr-3378	150	210	major	major	ADJ
fsr-3378	150	211	medical	medical	ADJ
fsr-3378	150	212	expense	expense	NOUN
fsr-3378	150	213	11l.d	11l.d	PROPN
fsr-3378	150	214	.	.	PUNCT
fsr-3378	151	1	smith	smith	PROPN
fsr-3378	151	2	et	et	PROPN
fsr-3378	151	3	al	al	PROPN
fsr-3378	151	4	.	.	PUNCT
fsr-3378	151	5	/	/	SYM
fsr-3378	151	6	financial	financial	ADJ
fsr-3378	151	7	services	service	NOUN
fsr-3378	151	8	review	review	VERB
fsr-3378	151	9	27	27	NUM
fsr-3378	151	10	(	(	PUNCT
fsr-3378	151	11	2018	2018	NUM
fsr-3378	151	12	)	)	PUNCT
fsr-3378	151	13	1	1	NUM
fsr-3378	151	14	-	-	SYM
fsr-3378	151	15	28	28	NUM
fsr-3378	151	16	after	after	ADP
fsr-3378	151	17	assessing	assess	VERB
fsr-3378	151	18	the	the	DET
fsr-3378	151	19	impact	impact	NOUN
fsr-3378	151	20	of	of	ADP
fsr-3378	151	21	the	the	DET
fsr-3378	151	22	relevant	relevant	ADJ
fsr-3378	151	23	factors	factor	NOUN
fsr-3378	151	24	on	on	ADP
fsr-3378	151	25	the	the	DET
fsr-3378	151	26	predictive	predictive	ADJ
fsr-3378	151	27	power	power	NOUN
fsr-3378	151	28	of	of	ADP
fsr-3378	151	29	the	the	DET
fsr-3378	151	30	models	model	NOUN
fsr-3378	151	31	,	,	PUNCT
fsr-3378	151	32	we	we	PRON
fsr-3378	151	33	shall	shall	AUX
fsr-3378	151	34	demonstrate	demonstrate	VERB
fsr-3378	151	35	the	the	DET
fsr-3378	151	36	marginal	marginal	ADJ
fsr-3378	151	37	effects	effect	NOUN
fsr-3378	151	38	of	of	ADP
fsr-3378	151	39	the	the	DET
fsr-3378	151	40	individual	individual	ADJ
fsr-3378	151	41	explanatory	explanatory	ADJ
fsr-3378	151	42	variables	variable	NOUN
fsr-3378	151	43	upon	upon	SCONJ
fsr-3378	151	44	the	the	DET
fsr-3378	151	45	eight	eight	NUM
fsr-3378	151	46	target	target	NOUN
fsr-3378	151	47	(	(	PUNCT
fsr-3378	151	48	dependent	dependent	ADJ
fsr-3378	151	49	)	)	PUNCT
fsr-3378	151	50	variables	variable	NOUN
fsr-3378	151	51	when	when	SCONJ
fsr-3378	151	52	all	all	DET
fsr-3378	151	53	explanatory	explanatory	ADJ
fsr-3378	151	54	variables	variable	NOUN
fsr-3378	151	55	are	be	AUX
fsr-3378	151	56	included	include	VERB
fsr-3378	151	57	and	and	CCONJ
fsr-3378	151	58	then	then	ADV
fsr-3378	151	59	,	,	PUNCT
fsr-3378	151	60	recognizing	recognize	VERB
fsr-3378	151	61	collinearity	collinearity	NOUN
fsr-3378	151	62	,	,	PUNCT
fsr-3378	151	63	eliminate	eliminate	VERB
fsr-3378	151	64	the	the	DET
fsr-3378	151	65	most	most	ADV
fsr-3378	151	66	statistically	statistically	ADV
fsr-3378	151	67	insignificant	insignificant	ADJ
fsr-3378	151	68	terms	term	NOUN
fsr-3378	151	69	,	,	PUNCT
fsr-3378	151	70	one	one	NUM
fsr-3378	151	71	at	at	ADP
fsr-3378	151	72	a	a	DET
fsr-3378	151	73	time	time	NOUN
fsr-3378	151	74	,	,	PUNCT
fsr-3378	151	75	until	until	SCONJ
fsr-3378	151	76	all	all	DET
fsr-3378	151	77	remaining	remain	VERB
fsr-3378	151	78	variables	variable	NOUN
fsr-3378	151	79	are	be	AUX
fsr-3378	151	80	statistically	statistically	ADV
fsr-3378	151	81	significant	significant	ADJ
fsr-3378	151	82	at	at	ADP
fsr-3378	151	83	the	the	DET
fsr-3378	151	84	0.05	0.05	NUM
fsr-3378	151	85	level	level	NOUN
fsr-3378	151	86	for	for	ADP
fsr-3378	151	87	a	a	DET
fsr-3378	151	88	one	one	NUM
fsr-3378	151	89	-	-	PUNCT
fsr-3378	151	90	tailed	tail	VERB
fsr-3378	151	91	test	test	NOUN
fsr-3378	151	92	.	.	PUNCT
fsr-3378	152	1	the	the	DET
fsr-3378	152	2	coefficients	coefficient	NOUN
fsr-3378	152	3	of	of	ADP
fsr-3378	152	4	the	the	DET
fsr-3378	152	5	resulting	result	VERB
fsr-3378	152	6	“	"	PUNCT
fsr-3378	152	7	reduced	reduce	VERB
fsr-3378	152	8	”	"	PUNCT
fsr-3378	152	9	models	model	NOUN
fsr-3378	152	10	are	be	AUX
fsr-3378	152	11	examined	examine	VERB
fsr-3378	152	12	to	to	PART
fsr-3378	152	13	indicate	indicate	VERB
fsr-3378	152	14	their	their	PRON
fsr-3378	152	15	(	(	PUNCT
fsr-3378	152	16	statistically	statistically	ADV
fsr-3378	152	17	significant	significant	ADJ
fsr-3378	152	18	)	)	PUNCT
fsr-3378	152	19	marginal	marginal	ADJ
fsr-3378	152	20	effects	effect	NOUN
fsr-3378	152	21	on	on	ADP
fsr-3378	152	22	the	the	DET
fsr-3378	152	23	target	target	NOUN
fsr-3378	152	24	variables	variable	NOUN
fsr-3378	152	25	after	after	SCONJ
fsr-3378	152	26	the	the	DET
fsr-3378	152	27	other	other	ADJ
fsr-3378	152	28	explanatory	explanatory	ADJ
fsr-3378	152	29	variables	variable	NOUN
fsr-3378	152	30	in	in	ADP
fsr-3378	152	31	the	the	DET
fsr-3378	152	32	models	model	NOUN
fsr-3378	152	33	are	be	AUX
fsr-3378	152	34	considered	consider	VERB
fsr-3378	152	35	.	.	PUNCT
fsr-3378	153	1	the	the	DET
fsr-3378	153	2	first	first	ADJ
fsr-3378	153	3	regression	regression	NOUN
fsr-3378	153	4	model	model	NOUN
fsr-3378	153	5	analyzes	analyze	VERB
fsr-3378	153	6	credit	credit	NOUN
fsr-3378	153	7	utilization	utilization	NOUN
fsr-3378	153	8	(	(	PUNCT
fsr-3378	153	9	total	total	ADJ
fsr-3378	153	10	outstanding	outstanding	ADJ
fsr-3378	153	11	balance	balance	NOUN
fsr-3378	153	12	on	on	ADP
fsr-3378	153	13	all	all	DET
fsr-3378	153	14	revolving	revolve	VERB
fsr-3378	153	15	accounts	account	NOUN
fsr-3378	153	16	)	)	PUNCT
fsr-3378	153	17	as	as	ADP
fsr-3378	153	18	a	a	DET
fsr-3378	153	19	percentage	percentage	NOUN
fsr-3378	153	20	of	of	ADP
fsr-3378	153	21	aggregate	aggregate	ADJ
fsr-3378	153	22	credit	credit	NOUN
fsr-3378	153	23	limits	limit	NOUN
fsr-3378	153	24	on	on	ADP
fsr-3378	153	25	revolving	revolve	VERB
fsr-3378	153	26	accounts	account	NOUN
fsr-3378	153	27	.	.	PUNCT
fsr-3378	154	1	if	if	SCONJ
fsr-3378	154	2	the	the	DET
fsr-3378	154	3	credit	credit	NOUN
fsr-3378	154	4	limit	limit	NOUN
fsr-3378	154	5	on	on	ADP
fsr-3378	154	6	an	an	DET
fsr-3378	154	7	individual	individual	ADJ
fsr-3378	154	8	revolving	revolve	VERB
fsr-3378	154	9	account	account	NOUN
fsr-3378	154	10	(	(	PUNCT
fsr-3378	154	11	such	such	ADJ
fsr-3378	154	12	as	as	ADP
fsr-3378	154	13	a	a	DET
fsr-3378	154	14	credit	credit	NOUN
fsr-3378	154	15	card	card	NOUN
fsr-3378	154	16	)	)	PUNCT
fsr-3378	154	17	is	be	AUX
fsr-3378	154	18	not	not	PART
fsr-3378	154	19	reported	report	VERB
fsr-3378	154	20	,	,	PUNCT
fsr-3378	154	21	we	we	PRON
fsr-3378	154	22	substitute	substitute	VERB
fsr-3378	154	23	the	the	DET
fsr-3378	154	24	“	"	PUNCT
fsr-3378	154	25	largest	large	ADJ
fsr-3378	154	26	past	past	ADJ
fsr-3378	154	27	balance	balance	NOUN
fsr-3378	154	28	”	"	PUNCT
fsr-3378	154	29	to	to	PART
fsr-3378	154	30	impute	impute	VERB
fsr-3378	154	31	the	the	DET
fsr-3378	154	32	credit	credit	NOUN
fsr-3378	154	33	limit	limit	NOUN
fsr-3378	154	34	for	for	ADP
fsr-3378	154	35	that	that	DET
fsr-3378	154	36	account.2	account.2	NOUN
fsr-3378	154	37	table	table	NOUN
fsr-3378	154	38	2	2	NUM
fsr-3378	154	39	contains	contain	VERB
fsr-3378	154	40	the	the	DET
fsr-3378	154	41	results	result	NOUN
fsr-3378	154	42	of	of	ADP
fsr-3378	154	43	significance	significance	NOUN
fsr-3378	154	44	testing	testing	NOUN
fsr-3378	154	45	for	for	ADP
fsr-3378	154	46	factors	factor	NOUN
fsr-3378	154	47	explaining	explain	VERB
fsr-3378	154	48	this	this	DET
fsr-3378	154	49	measure	measure	NOUN
fsr-3378	154	50	of	of	ADP
fsr-3378	154	51	credit	credit	NOUN
fsr-3378	154	52	utilization	utilization	NOUN
fsr-3378	154	53	.	.	PUNCT
fsr-3378	155	1	in	in	ADP
fsr-3378	155	2	constructing	construct	VERB
fsr-3378	155	3	the	the	DET
fsr-3378	155	4	models	model	NOUN
fsr-3378	155	5	for	for	ADP
fsr-3378	155	6	table	table	NOUN
fsr-3378	155	7	2	2	NUM
fsr-3378	155	8	,	,	PUNCT
fsr-3378	155	9	we	we	PRON
fsr-3378	155	10	excluded	exclude	VERB
fsr-3378	155	11	16	16	NUM
fsr-3378	155	12	extreme	extreme	ADJ
fsr-3378	155	13	cases	case	NOUN
fsr-3378	155	14	where	where	SCONJ
fsr-3378	155	15	the	the	DET
fsr-3378	155	16	imputed	imputed	ADJ
fsr-3378	155	17	revolving	revolve	VERB
fsr-3378	155	18	credit	credit	NOUN
fsr-3378	155	19	utilization	utilization	NOUN
fsr-3378	155	20	exceeded	exceed	VERB
fsr-3378	155	21	150%.3	150%.3	PROPN
fsr-3378	155	22	ten	ten	NUM
fsr-3378	155	23	different	different	ADJ
fsr-3378	155	24	regression	regression	NOUN
fsr-3378	155	25	models	model	NOUN
fsr-3378	155	26	,	,	PUNCT
fsr-3378	155	27	based	base	VERB
fsr-3378	155	28	on	on	ADP
fsr-3378	155	29	872	872	NUM
fsr-3378	155	30	cases	case	NOUN
fsr-3378	155	31	with	with	ADP
fsr-3378	155	32	values	value	NOUN
fsr-3378	155	33	for	for	ADP
fsr-3378	155	34	all	all	DET
fsr-3378	155	35	constituent	constituent	NOUN
fsr-3378	155	36	variables	variable	NOUN
fsr-3378	155	37	,	,	PUNCT
fsr-3378	155	38	are	be	AUX
fsr-3378	155	39	implicitly	implicitly	ADV
fsr-3378	155	40	compared	compare	VERB
fsr-3378	155	41	in	in	ADP
fsr-3378	155	42	table	table	NOUN
fsr-3378	155	43	2.4	2.4	NUM
fsr-3378	155	44	the	the	DET
fsr-3378	155	45	groups	group	NOUN
fsr-3378	155	46	of	of	ADP
fsr-3378	155	47	variables	variable	NOUN
fsr-3378	155	48	for	for	ADP
fsr-3378	155	49	each	each	PRON
fsr-3378	155	50	of	of	ADP
fsr-3378	155	51	the	the	DET
fsr-3378	155	52	factors	factor	NOUN
fsr-3378	155	53	(	(	PUNCT
fsr-3378	155	54	occurrence	occurrence	NOUN
fsr-3378	155	55	of	of	ADP
fsr-3378	155	56	an	an	DET
fsr-3378	155	57	adverse	adverse	ADJ
fsr-3378	155	58	event	event	NOUN
fsr-3378	155	59	,	,	PUNCT
fsr-3378	155	60	demographic	demographic	ADJ
fsr-3378	155	61	characteristics	characteristic	NOUN
fsr-3378	155	62	,	,	PUNCT
fsr-3378	155	63	family	family	NOUN
fsr-3378	155	64	financial	financial	ADJ
fsr-3378	155	65	resources	resource	NOUN
fsr-3378	155	66	,	,	PUNCT
fsr-3378	155	67	and	and	CCONJ
fsr-3378	155	68	household	household	NOUN
fsr-3378	155	69	characteristics	characteristic	NOUN
fsr-3378	155	70	)	)	PUNCT
fsr-3378	155	71	are	be	AUX
fsr-3378	155	72	all	all	ADV
fsr-3378	155	73	highly	highly	ADV
fsr-3378	155	74	statistically	statistically	ADV
fsr-3378	155	75	related	relate	VERB
fsr-3378	155	76	to	to	ADP
fsr-3378	155	77	credit	credit	NOUN
fsr-3378	155	78	utilization	utilization	NOUN
fsr-3378	155	79	when	when	SCONJ
fsr-3378	155	80	considered	consider	VERB
fsr-3378	155	81	individually	individually	ADV
fsr-3378	155	82	(	(	PUNCT
fsr-3378	155	83	i.e.	i.e.	X
fsr-3378	155	84	,	,	PUNCT
fsr-3378	155	85	with	with	ADP
fsr-3378	155	86	p	p	NOUN
fsr-3378	155	87	-	-	PUNCT
fsr-3378	155	88	values	value	NOUN
fsr-3378	155	89	�	�	NOUN
fsr-3378	155	90	0.0001	0.0001	NUM
fsr-3378	155	91	when	when	SCONJ
fsr-3378	155	92	regressed	regress	VERB
fsr-3378	155	93	against	against	ADP
fsr-3378	155	94	credit	credit	NOUN
fsr-3378	155	95	utilization	utilization	NOUN
fsr-3378	155	96	as	as	ADP
fsr-3378	155	97	the	the	DET
fsr-3378	155	98	only	only	ADJ
fsr-3378	155	99	predictive	predictive	ADJ
fsr-3378	155	100	factor	factor	NOUN
fsr-3378	155	101	)	)	PUNCT
fsr-3378	155	102	.	.	PUNCT
fsr-3378	156	1	when	when	SCONJ
fsr-3378	156	2	the	the	DET
fsr-3378	156	3	incremental	incremental	ADJ
fsr-3378	156	4	informational	informational	ADJ
fsr-3378	156	5	content	content	NOUN
fsr-3378	156	6	is	be	AUX
fsr-3378	156	7	tested	test	VERB
fsr-3378	156	8	by	by	ADP
fsr-3378	156	9	the	the	DET
fsr-3378	156	10	removal	removal	NOUN
fsr-3378	156	11	of	of	ADP
fsr-3378	156	12	single	single	ADJ
fsr-3378	156	13	factors	factor	NOUN
fsr-3378	156	14	from	from	ADP
fsr-3378	156	15	the	the	DET
fsr-3378	156	16	full	full	ADJ
fsr-3378	156	17	model	model	NOUN
fsr-3378	156	18	,	,	PUNCT
fsr-3378	156	19	we	we	PRON
fsr-3378	156	20	see	see	VERB
fsr-3378	156	21	that	that	SCONJ
fsr-3378	156	22	household	household	NOUN
fsr-3378	156	23	characteristics	characteristic	NOUN
fsr-3378	156	24	,	,	PUNCT
fsr-3378	156	25	family	family	NOUN
fsr-3378	156	26	financial	financial	ADJ
fsr-3378	156	27	resources	resource	NOUN
fsr-3378	156	28	,	,	PUNCT
fsr-3378	156	29	and	and	CCONJ
fsr-3378	156	30	adverse	adverse	ADJ
fsr-3378	156	31	events	event	NOUN
fsr-3378	156	32	are	be	AUX
fsr-3378	156	33	all	all	PRON
fsr-3378	156	34	very	very	ADV
fsr-3378	156	35	statistically	statistically	ADV
fsr-3378	156	36	significant	significant	ADJ
fsr-3378	156	37	on	on	ADP
fsr-3378	156	38	the	the	DET
fsr-3378	156	39	margin	margin	NOUN
fsr-3378	156	40	as	as	ADV
fsr-3378	156	41	well	well	ADV
fsr-3378	156	42	(	(	PUNCT
fsr-3378	156	43	with	with	ADP
fsr-3378	156	44	extremely	extremely	ADV
fsr-3378	156	45	small	small	ADJ
fsr-3378	156	46	p	p	NOUN
fsr-3378	156	47	-	-	PUNCT
fsr-3378	156	48	values	value	NOUN
fsr-3378	156	49	for	for	ADP
fsr-3378	156	50	the	the	DET
fsr-3378	156	51	blocks	block	NOUN
fsr-3378	156	52	of	of	ADP
fsr-3378	156	53	variables	variable	NOUN
fsr-3378	156	54	)	)	PUNCT
fsr-3378	156	55	.	.	PUNCT
fsr-3378	157	1	demographic	demographic	ADJ
fsr-3378	157	2	variables	variable	NOUN
fsr-3378	157	3	are	be	AUX
fsr-3378	157	4	less	less	ADV
fsr-3378	157	5	statistically	statistically	ADV
fsr-3378	157	6	significant	significant	ADJ
fsr-3378	157	7	.	.	PUNCT
fsr-3378	158	1	next	next	ADV
fsr-3378	158	2	we	we	PRON
fsr-3378	158	3	consider	consider	VERB
fsr-3378	158	4	revolving	revolve	VERB
fsr-3378	158	5	credit	credit	NOUN
fsr-3378	158	6	utilization	utilization	NOUN
fsr-3378	158	7	as	as	ADP
fsr-3378	158	8	a	a	DET
fsr-3378	158	9	percentage	percentage	NOUN
fsr-3378	158	10	of	of	ADP
fsr-3378	158	11	annual	annual	ADJ
fsr-3378	158	12	household	household	NOUN
fsr-3378	158	13	income	income	NOUN
fsr-3378	158	14	.	.	PUNCT
fsr-3378	159	1	again	again	ADV
fsr-3378	159	2	we	we	PRON
fsr-3378	159	3	eliminated	eliminate	VERB
fsr-3378	159	4	cases	case	NOUN
fsr-3378	159	5	where	where	SCONJ
fsr-3378	159	6	the	the	DET
fsr-3378	159	7	measure	measure	NOUN
fsr-3378	159	8	of	of	ADP
fsr-3378	159	9	credit	credit	NOUN
fsr-3378	159	10	utilization	utilization	NOUN
fsr-3378	159	11	exceeded	exceed	VERB
fsr-3378	159	12	150	150	NUM
fsr-3378	159	13	%	%	NOUN
fsr-3378	159	14	.	.	PUNCT
fsr-3378	160	1	the	the	DET
fsr-3378	160	2	numerator	numerator	NOUN
fsr-3378	160	3	of	of	ADP
fsr-3378	160	4	this	this	DET
fsr-3378	160	5	ratio	ratio	NOUN
fsr-3378	160	6	is	be	AUX
fsr-3378	160	7	the	the	DET
fsr-3378	160	8	total	total	NOUN
fsr-3378	160	9	of	of	ADP
fsr-3378	160	10	outstanding	outstanding	ADJ
fsr-3378	160	11	balances	balance	NOUN
fsr-3378	160	12	on	on	ADP
fsr-3378	160	13	all	all	DET
fsr-3378	160	14	revolving	revolve	VERB
fsr-3378	160	15	accounts	account	NOUN
fsr-3378	160	16	.	.	PUNCT
fsr-3378	161	1	the	the	DET
fsr-3378	161	2	denominator	denominator	NOUN
fsr-3378	161	3	is	be	AUX
fsr-3378	161	4	the	the	DET
fsr-3378	161	5	midpoint	midpoint	NOUN
fsr-3378	161	6	of	of	ADP
fsr-3378	161	7	the	the	DET
fsr-3378	161	8	annual	annual	ADJ
fsr-3378	161	9	household	household	NOUN
fsr-3378	161	10	income	income	NOUN
fsr-3378	161	11	category	category	NOUN
fsr-3378	161	12	that	that	PRON
fsr-3378	161	13	the	the	DET
fsr-3378	161	14	participant	participant	NOUN
fsr-3378	161	15	identified	identify	VERB
fsr-3378	161	16	as	as	ADP
fsr-3378	161	17	applicable	applicable	ADJ
fsr-3378	161	18	to	to	ADP
fsr-3378	161	19	the	the	DET
fsr-3378	161	20	household	household	NOUN
fsr-3378	161	21	when	when	SCONJ
fsr-3378	161	22	completing	complete	VERB
fsr-3378	161	23	the	the	DET
fsr-3378	161	24	telephone	telephone	NOUN
fsr-3378	161	25	interview	interview	NOUN
fsr-3378	161	26	(	(	PUNCT
fsr-3378	161	27	capped	cap	VERB
fsr-3378	161	28	at	at	ADP
fsr-3378	161	29	$	$	SYM
fsr-3378	161	30	250,000	250,000	NUM
fsr-3378	161	31	)	)	PUNCT
fsr-3378	161	32	.	.	PUNCT
fsr-3378	162	1	table	table	NOUN
fsr-3378	162	2	3	3	NUM
fsr-3378	162	3	summarizes	summarize	VERB
fsr-3378	162	4	the	the	DET
fsr-3378	162	5	results	result	NOUN
fsr-3378	162	6	of	of	ADP
fsr-3378	162	7	the	the	DET
fsr-3378	162	8	tests	test	NOUN
fsr-3378	162	9	for	for	ADP
fsr-3378	162	10	this	this	DET
fsr-3378	162	11	model	model	NOUN
fsr-3378	162	12	.	.	PUNCT
fsr-3378	163	1	remarkable	remarkable	ADJ
fsr-3378	163	2	in	in	ADP
fsr-3378	163	3	table	table	NOUN
fsr-3378	163	4	3	3	NUM
fsr-3378	163	5	is	be	AUX
fsr-3378	163	6	the	the	DET
fsr-3378	163	7	much	much	ADV
fsr-3378	163	8	smaller	small	ADJ
fsr-3378	163	9	values	value	NOUN
fsr-3378	163	10	for	for	ADP
fsr-3378	163	11	the	the	DET
fsr-3378	163	12	r2	r2	PROPN
fsr-3378	163	13	statistic	statistic	NOUN
fsr-3378	163	14	—	—	PUNCT
fsr-3378	163	15	with	with	ADP
fsr-3378	163	16	the	the	DET
fsr-3378	163	17	full	full	ADJ
fsr-3378	163	18	model	model	NOUN
fsr-3378	163	19	explaining	explain	VERB
fsr-3378	163	20	only	only	ADV
fsr-3378	163	21	5	5	NUM
fsr-3378	163	22	%	%	NOUN
fsr-3378	163	23	of	of	ADP
fsr-3378	163	24	the	the	DET
fsr-3378	163	25	variation	variation	NOUN
fsr-3378	163	26	in	in	ADP
fsr-3378	163	27	credit	credit	NOUN
fsr-3378	163	28	utilization	utilization	NOUN
fsr-3378	163	29	relative	relative	ADJ
fsr-3378	163	30	to	to	ADP
fsr-3378	163	31	household	household	NOUN
fsr-3378	163	32	income	income	NOUN
fsr-3378	163	33	.	.	PUNCT
fsr-3378	164	1	this	this	PRON
fsr-3378	164	2	is	be	AUX
fsr-3378	164	3	partly	partly	ADV
fsr-3378	164	4	attributable	attributable	ADJ
fsr-3378	164	5	to	to	ADP
fsr-3378	164	6	the	the	DET
fsr-3378	164	7	wide	wide	ADJ
fsr-3378	164	8	bands	band	NOUN
fsr-3378	164	9	for	for	ADP
fsr-3378	164	10	table	table	NOUN
fsr-3378	164	11	2	2	NUM
fsr-3378	164	12	significance	significance	NOUN
fsr-3378	164	13	tests	test	NOUN
fsr-3378	164	14	on	on	ADP
fsr-3378	164	15	regression	regression	NOUN
fsr-3378	164	16	models	model	NOUN
fsr-3378	164	17	for	for	ADP
fsr-3378	164	18	revolving	revolve	VERB
fsr-3378	164	19	credit	credit	NOUN
fsr-3378	164	20	utilization	utilization	NOUN
fsr-3378	164	21	relative	relative	ADJ
fsr-3378	164	22	to	to	ADP
fsr-3378	164	23	credit	credit	NOUN
fsr-3378	164	24	limits	limit	NOUN
fsr-3378	164	25	factors	factor	NOUN
fsr-3378	164	26	included	include	VERB
fsr-3378	164	27	r2	r2	PROPN
fsr-3378	164	28	f	f	PROPN
fsr-3378	164	29	value	value	NOUN
fsr-3378	164	30	df	df	PROPN
fsr-3378	164	31	p	p	ADJ
fsr-3378	164	32	-	-	PUNCT
fsr-3378	164	33	value	value	NOUN
fsr-3378	164	34	sample	sample	NOUN
fsr-3378	164	35	size	size	NOUN
fsr-3378	164	36	full	full	ADJ
fsr-3378	164	37	model	model	NOUN
fsr-3378	164	38	0.17	0.17	NUM
fsr-3378	164	39	7.71	7.71	NUM
fsr-3378	164	40	23	23	NUM
fsr-3378	164	41	�	�	NOUN
fsr-3378	164	42	0.0001	0.0001	NUM
fsr-3378	164	43	872	872	NUM
fsr-3378	164	44	ex	ex	PRON
fsr-3378	164	45	adverse	adverse	ADJ
fsr-3378	164	46	events	event	NOUN
fsr-3378	164	47	0.16	0.16	NUM
fsr-3378	164	48	3.58	3.58	NUM
fsr-3378	164	49	5	5	NUM
fsr-3378	164	50	0.003	0.003	NUM
fsr-3378	164	51	872	872	NUM
fsr-3378	164	52	ex	ex	PRON
fsr-3378	164	53	demographic	demographic	ADJ
fsr-3378	164	54	0.16	0.16	NUM
fsr-3378	164	55	2.26	2.26	NUM
fsr-3378	164	56	6	6	NUM
fsr-3378	164	57	0.036	0.036	NUM
fsr-3378	164	58	872	872	NUM
fsr-3378	164	59	ex	ex	NOUN
fsr-3378	164	60	resources	resource	NOUN
fsr-3378	164	61	0.13	0.13	NUM
fsr-3378	164	62	7.83	7.83	NUM
fsr-3378	164	63	6	6	NUM
fsr-3378	164	64	�	�	NOUN
fsr-3378	164	65	0.0001	0.0001	NUM
fsr-3378	164	66	872	872	NUM
fsr-3378	164	67	ex	ex	NOUN
fsr-3378	164	68	household	household	NOUN
fsr-3378	164	69	char	char	NOUN
fsr-3378	164	70	0.14	0.14	NUM
fsr-3378	164	71	5.86	5.86	NUM
fsr-3378	164	72	6	6	NUM
fsr-3378	164	73	�	�	NOUN
fsr-3378	164	74	0.0001	0.0001	NUM
fsr-3378	164	75	872	872	NUM
fsr-3378	164	76	only	only	ADV
fsr-3378	164	77	adverse	adverse	ADJ
fsr-3378	164	78	events	event	NOUN
fsr-3378	164	79	0.04	0.04	NUM
fsr-3378	164	80	8.11	8.11	NUM
fsr-3378	164	81	5	5	NUM
fsr-3378	164	82	�	�	PROPN
fsr-3378	164	83	0.0001	0.0001	NUM
fsr-3378	164	84	872	872	NUM
fsr-3378	164	85	only	only	ADV
fsr-3378	164	86	demographic	demographic	ADJ
fsr-3378	164	87	0.04	0.04	NUM
fsr-3378	164	88	5.38	5.38	NUM
fsr-3378	164	89	6	6	NUM
fsr-3378	164	90	�	�	PROPN
fsr-3378	164	91	0.0001	0.0001	NUM
fsr-3378	164	92	872	872	NUM
fsr-3378	164	93	only	only	ADV
fsr-3378	164	94	resources	resource	NOUN
fsr-3378	164	95	0.11	0.11	NUM
fsr-3378	164	96	17.74	17.74	NUM
fsr-3378	164	97	6	6	NUM
fsr-3378	164	98	�	�	PROPN
fsr-3378	164	99	0.0001	0.0001	NUM
fsr-3378	164	100	872	872	NUM
fsr-3378	164	101	only	only	ADV
fsr-3378	164	102	household	household	NOUN
fsr-3378	164	103	char	char	NOUN
fsr-3378	164	104	0.08	0.08	NUM
fsr-3378	164	105	12.45	12.45	NUM
fsr-3378	164	106	6	6	NUM
fsr-3378	164	107	�	�	NOUN
fsr-3378	164	108	0.0001	0.0001	NUM
fsr-3378	164	109	872	872	NUM
fsr-3378	164	110	reduced	reduce	VERB
fsr-3378	164	111	model	model	NOUN
fsr-3378	164	112	0.16	0.16	NUM
fsr-3378	164	113	12.81	12.81	NUM
fsr-3378	164	114	13	13	NUM
fsr-3378	164	115	�	�	NOUN
fsr-3378	164	116	0.0001	0.0001	NUM
fsr-3378	164	117	872	872	NUM
fsr-3378	164	118	12	12	NUM
fsr-3378	164	119	l.d	l.d	PROPN
fsr-3378	164	120	.	.	PROPN
fsr-3378	165	1	smith	smith	PROPN
fsr-3378	165	2	et	et	PROPN
fsr-3378	165	3	al	al	PROPN
fsr-3378	165	4	.	.	PUNCT
fsr-3378	165	5	/	/	SYM
fsr-3378	165	6	financial	financial	ADJ
fsr-3378	165	7	services	service	NOUN
fsr-3378	165	8	review	review	VERB
fsr-3378	165	9	27	27	NUM
fsr-3378	165	10	(	(	PUNCT
fsr-3378	165	11	2018	2018	NUM
fsr-3378	165	12	)	)	PUNCT
fsr-3378	165	13	1	1	NUM
fsr-3378	165	14	-	-	SYM
fsr-3378	165	15	28	28	NUM
fsr-3378	165	16	reporting	reporting	NOUN
fsr-3378	165	17	of	of	ADP
fsr-3378	165	18	household	household	NOUN
fsr-3378	165	19	income	income	NOUN
fsr-3378	165	20	but	but	CCONJ
fsr-3378	165	21	the	the	DET
fsr-3378	165	22	models	model	NOUN
fsr-3378	165	23	suggest	suggest	VERB
fsr-3378	165	24	that	that	SCONJ
fsr-3378	165	25	there	there	PRON
fsr-3378	165	26	is	be	VERB
fsr-3378	165	27	an	an	DET
fsr-3378	165	28	enormous	enormous	ADJ
fsr-3378	165	29	amount	amount	NOUN
fsr-3378	165	30	of	of	ADP
fsr-3378	165	31	variation	variation	NOUN
fsr-3378	165	32	in	in	ADP
fsr-3378	165	33	the	the	DET
fsr-3378	165	34	extent	extent	NOUN
fsr-3378	165	35	to	to	PART
fsr-3378	165	36	which	which	PRON
fsr-3378	165	37	individuals	individual	NOUN
fsr-3378	165	38	take	take	VERB
fsr-3378	165	39	on	on	ADP
fsr-3378	165	40	revolving	revolve	VERB
fsr-3378	165	41	debt	debt	NOUN
fsr-3378	165	42	relative	relative	ADJ
fsr-3378	165	43	to	to	ADP
fsr-3378	165	44	their	their	PRON
fsr-3378	165	45	total	total	ADJ
fsr-3378	165	46	household	household	NOUN
fsr-3378	165	47	income	income	NOUN
fsr-3378	165	48	that	that	PRON
fsr-3378	165	49	is	be	AUX
fsr-3378	165	50	not	not	PART
fsr-3378	165	51	explained	explain	VERB
fsr-3378	165	52	by	by	ADP
fsr-3378	165	53	the	the	DET
fsr-3378	165	54	factors	factor	NOUN
fsr-3378	165	55	we	we	PRON
fsr-3378	165	56	measured	measure	VERB
fsr-3378	165	57	.	.	PUNCT
fsr-3378	166	1	adverse	adverse	ADJ
fsr-3378	166	2	events	event	NOUN
fsr-3378	166	3	and	and	CCONJ
fsr-3378	166	4	demographic	demographic	ADJ
fsr-3378	166	5	variables	variable	NOUN
fsr-3378	166	6	accounted	account	VERB
fsr-3378	166	7	for	for	ADP
fsr-3378	166	8	the	the	DET
fsr-3378	166	9	majority	majority	NOUN
fsr-3378	166	10	of	of	ADP
fsr-3378	166	11	the	the	DET
fsr-3378	166	12	systematic	systematic	ADJ
fsr-3378	166	13	variation	variation	NOUN
fsr-3378	166	14	in	in	ADP
fsr-3378	166	15	this	this	DET
fsr-3378	166	16	measure	measure	NOUN
fsr-3378	166	17	.	.	PUNCT
fsr-3378	167	1	habits	habit	NOUN
fsr-3378	167	2	in	in	ADP
fsr-3378	167	3	managing	manage	VERB
fsr-3378	167	4	credit	credit	NOUN
fsr-3378	167	5	were	be	AUX
fsr-3378	167	6	measured	measure	VERB
fsr-3378	167	7	by	by	ADP
fsr-3378	167	8	a	a	DET
fsr-3378	167	9	pair	pair	NOUN
fsr-3378	167	10	of	of	ADP
fsr-3378	167	11	binary	binary	ADJ
fsr-3378	167	12	variables	variable	NOUN
fsr-3378	167	13	determined	determine	VERB
fsr-3378	167	14	by	by	ADP
fsr-3378	167	15	“	"	PUNCT
fsr-3378	167	16	yes	yes	PROPN
fsr-3378	167	17	-	-	PUNCT
fsr-3378	167	18	no	no	NOUN
fsr-3378	167	19	”	"	PUNCT
fsr-3378	167	20	responses	response	NOUN
fsr-3378	167	21	to	to	ADP
fsr-3378	167	22	(	(	PUNCT
fsr-3378	167	23	a	a	X
fsr-3378	167	24	)	)	PUNCT
fsr-3378	167	25	whether	whether	SCONJ
fsr-3378	167	26	the	the	DET
fsr-3378	167	27	participant	participant	NOUN
fsr-3378	167	28	always	always	ADV
fsr-3378	167	29	paid	pay	VERB
fsr-3378	167	30	at	at	ADP
fsr-3378	167	31	least	least	ADJ
fsr-3378	167	32	the	the	DET
fsr-3378	167	33	minimum	minimum	ADJ
fsr-3378	167	34	balance	balance	NOUN
fsr-3378	167	35	and	and	CCONJ
fsr-3378	167	36	(	(	PUNCT
fsr-3378	167	37	b	b	X
fsr-3378	167	38	)	)	PUNCT
fsr-3378	167	39	whether	whether	SCONJ
fsr-3378	167	40	the	the	DET
fsr-3378	167	41	participant	participant	NOUN
fsr-3378	167	42	always	always	ADV
fsr-3378	167	43	paid	pay	VERB
fsr-3378	167	44	the	the	DET
fsr-3378	167	45	entire	entire	ADJ
fsr-3378	167	46	balance	balance	NOUN
fsr-3378	167	47	on	on	ADP
fsr-3378	167	48	all	all	DET
fsr-3378	167	49	credit	credit	NOUN
fsr-3378	167	50	obligations	obligation	NOUN
fsr-3378	167	51	each	each	DET
fsr-3378	167	52	month	month	NOUN
fsr-3378	167	53	.	.	PUNCT
fsr-3378	168	1	table	table	NOUN
fsr-3378	168	2	4	4	NUM
fsr-3378	168	3	provides	provide	VERB
fsr-3378	168	4	the	the	DET
fsr-3378	168	5	results	result	NOUN
fsr-3378	168	6	of	of	ADP
fsr-3378	168	7	tests	test	NOUN
fsr-3378	168	8	on	on	ADP
fsr-3378	168	9	the	the	DET
fsr-3378	168	10	logistic	logistic	ADJ
fsr-3378	168	11	model	model	NOUN
fsr-3378	168	12	predicting	predict	VERB
fsr-3378	168	13	whether	whether	SCONJ
fsr-3378	168	14	a	a	DET
fsr-3378	168	15	participant	participant	NOUN
fsr-3378	168	16	always	always	ADV
fsr-3378	168	17	pays	pay	VERB
fsr-3378	168	18	at	at	ADP
fsr-3378	168	19	least	least	ADJ
fsr-3378	168	20	the	the	DET
fsr-3378	168	21	minimum	minimum	ADJ
fsr-3378	168	22	amount	amount	NOUN
fsr-3378	168	23	due	due	ADJ
fsr-3378	168	24	on	on	ADP
fsr-3378	168	25	all	all	DET
fsr-3378	168	26	accounts	account	NOUN
fsr-3378	168	27	each	each	DET
fsr-3378	168	28	month	month	NOUN
fsr-3378	168	29	.	.	PUNCT
fsr-3378	169	1	table	table	NOUN
fsr-3378	169	2	5	5	NUM
fsr-3378	169	3	provides	provide	VERB
fsr-3378	169	4	the	the	DET
fsr-3378	169	5	results	result	NOUN
fsr-3378	169	6	of	of	ADP
fsr-3378	169	7	tests	test	NOUN
fsr-3378	169	8	on	on	ADP
fsr-3378	169	9	the	the	DET
fsr-3378	169	10	logistic	logistic	ADJ
fsr-3378	169	11	model	model	NOUN
fsr-3378	169	12	predicting	predict	VERB
fsr-3378	169	13	whether	whether	SCONJ
fsr-3378	169	14	a	a	DET
fsr-3378	169	15	participant	participant	NOUN
fsr-3378	169	16	always	always	ADV
fsr-3378	169	17	pays	pay	VERB
fsr-3378	169	18	all	all	DET
fsr-3378	169	19	outstanding	outstanding	ADJ
fsr-3378	169	20	balances	balance	NOUN
fsr-3378	169	21	on	on	ADP
fsr-3378	169	22	all	all	DET
fsr-3378	169	23	accounts	account	NOUN
fsr-3378	169	24	each	each	DET
fsr-3378	169	25	month	month	NOUN
fsr-3378	169	26	.	.	PUNCT
fsr-3378	170	1	the	the	DET
fsr-3378	170	2	two	two	NUM
fsr-3378	170	3	indicators	indicator	NOUN
fsr-3378	170	4	of	of	ADP
fsr-3378	170	5	individuals	individual	NOUN
fsr-3378	170	6	’	’	PART
fsr-3378	170	7	self	self	NOUN
fsr-3378	170	8	-	-	PUNCT
fsr-3378	170	9	reported	report	VERB
fsr-3378	170	10	behavior	behavior	NOUN
fsr-3378	170	11	in	in	ADP
fsr-3378	170	12	meeting	meet	VERB
fsr-3378	170	13	credit	credit	NOUN
fsr-3378	170	14	obligations	obligation	NOUN
fsr-3378	170	15	are	be	AUX
fsr-3378	170	16	highly	highly	ADV
fsr-3378	170	17	related	related	ADJ
fsr-3378	170	18	to	to	ADP
fsr-3378	170	19	each	each	PRON
fsr-3378	170	20	of	of	ADP
fsr-3378	170	21	the	the	DET
fsr-3378	170	22	individual	individual	ADJ
fsr-3378	170	23	explanatory	explanatory	ADJ
fsr-3378	170	24	factors	factor	NOUN
fsr-3378	170	25	.	.	PUNCT
fsr-3378	171	1	on	on	ADP
fsr-3378	171	2	the	the	DET
fsr-3378	171	3	margin	margin	NOUN
fsr-3378	171	4	,	,	PUNCT
fsr-3378	171	5	family	family	NOUN
fsr-3378	171	6	resources	resource	NOUN
fsr-3378	171	7	and	and	CCONJ
fsr-3378	171	8	demographic	demographic	ADJ
fsr-3378	171	9	characteristics	characteristic	NOUN
fsr-3378	171	10	contribute	contribute	VERB
fsr-3378	171	11	most	most	ADJ
fsr-3378	171	12	information	information	NOUN
fsr-3378	171	13	.	.	PUNCT
fsr-3378	172	1	next	next	ADV
fsr-3378	172	2	we	we	PRON
fsr-3378	172	3	consider	consider	VERB
fsr-3378	172	4	the	the	DET
fsr-3378	172	5	credit	credit	NOUN
fsr-3378	172	6	record	record	NOUN
fsr-3378	172	7	as	as	SCONJ
fsr-3378	172	8	represented	represent	VERB
fsr-3378	172	9	in	in	ADP
fsr-3378	172	10	the	the	DET
fsr-3378	172	11	credit	credit	NOUN
fsr-3378	172	12	-	-	PUNCT
fsr-3378	172	13	bureau	bureau	NOUN
fsr-3378	172	14	files	file	NOUN
fsr-3378	172	15	.	.	PUNCT
fsr-3378	173	1	for	for	ADP
fsr-3378	173	2	this	this	PRON
fsr-3378	173	3	,	,	PUNCT
fsr-3378	173	4	we	we	PRON
fsr-3378	173	5	use	use	VERB
fsr-3378	173	6	the	the	DET
fsr-3378	173	7	average	average	NOUN
fsr-3378	173	8	of	of	ADP
fsr-3378	173	9	the	the	DET
fsr-3378	173	10	three	three	NUM
fsr-3378	173	11	credit	credit	NOUN
fsr-3378	173	12	scores	score	NOUN
fsr-3378	173	13	from	from	ADP
fsr-3378	173	14	the	the	DET
fsr-3378	173	15	major	major	ADJ
fsr-3378	173	16	bureaus	bureaus	NOUN
fsr-3378	173	17	as	as	ADP
fsr-3378	173	18	the	the	DET
fsr-3378	173	19	consolidated	consolidated	ADJ
fsr-3378	173	20	indicator	indicator	NOUN
fsr-3378	173	21	of	of	ADP
fsr-3378	173	22	the	the	DET
fsr-3378	173	23	credit	credit	NOUN
fsr-3378	173	24	record	record	NOUN
fsr-3378	173	25	as	as	SCONJ
fsr-3378	173	26	reflected	reflect	VERB
fsr-3378	173	27	in	in	ADP
fsr-3378	173	28	the	the	DET
fsr-3378	173	29	participant	participant	NOUN
fsr-3378	173	30	’s	’s	PART
fsr-3378	173	31	credit	credit	NOUN
fsr-3378	173	32	reports	report	NOUN
fsr-3378	173	33	.	.	PUNCT
fsr-3378	174	1	table	table	NOUN
fsr-3378	174	2	6	6	NUM
fsr-3378	174	3	contains	contain	VERB
fsr-3378	174	4	the	the	DET
fsr-3378	174	5	results	result	NOUN
fsr-3378	174	6	of	of	ADP
fsr-3378	174	7	significance	significance	NOUN
fsr-3378	174	8	tests	test	NOUN
fsr-3378	174	9	for	for	ADP
fsr-3378	174	10	regressions	regression	NOUN
fsr-3378	174	11	of	of	ADP
fsr-3378	174	12	this	this	DET
fsr-3378	174	13	measure	measure	NOUN
fsr-3378	174	14	against	against	ADP
fsr-3378	174	15	the	the	DET
fsr-3378	174	16	explanatory	explanatory	ADJ
fsr-3378	174	17	factors	factor	NOUN
fsr-3378	174	18	used	use	VERB
fsr-3378	174	19	in	in	ADP
fsr-3378	174	20	previous	previous	ADJ
fsr-3378	174	21	models	model	NOUN
fsr-3378	174	22	and	and	CCONJ
fsr-3378	174	23	with	with	ADP
fsr-3378	174	24	an	an	DET
fsr-3378	174	25	additional	additional	ADJ
fsr-3378	174	26	factor	factor	NOUN
fsr-3378	174	27	representing	represent	VERB
fsr-3378	174	28	the	the	DET
fsr-3378	174	29	two	two	NUM
fsr-3378	174	30	self	self	NOUN
fsr-3378	174	31	-	-	PUNCT
fsr-3378	174	32	reported	report	VERB
fsr-3378	174	33	habits	habit	NOUN
fsr-3378	174	34	on	on	ADP
fsr-3378	174	35	payment	payment	NOUN
fsr-3378	174	36	behavior	behavior	NOUN
fsr-3378	174	37	.	.	PUNCT
fsr-3378	175	1	from	from	ADP
fsr-3378	175	2	the	the	DET
fsr-3378	175	3	results	result	NOUN
fsr-3378	175	4	in	in	ADP
fsr-3378	175	5	table	table	NOUN
fsr-3378	175	6	6	6	NUM
fsr-3378	175	7	,	,	PUNCT
fsr-3378	175	8	we	we	PRON
fsr-3378	175	9	see	see	VERB
fsr-3378	175	10	that	that	SCONJ
fsr-3378	175	11	all	all	DET
fsr-3378	175	12	factors	factor	NOUN
fsr-3378	175	13	are	be	AUX
fsr-3378	175	14	highly	highly	ADV
fsr-3378	175	15	statistically	statistically	ADV
fsr-3378	175	16	related	relate	VERB
fsr-3378	175	17	to	to	ADP
fsr-3378	175	18	the	the	DET
fsr-3378	175	19	average	average	ADJ
fsr-3378	175	20	credit	credit	NOUN
fsr-3378	175	21	scores	score	NOUN
fsr-3378	175	22	of	of	ADP
fsr-3378	175	23	participants	participant	NOUN
fsr-3378	175	24	when	when	SCONJ
fsr-3378	175	25	considered	consider	VERB
fsr-3378	175	26	individually	individually	ADV
fsr-3378	175	27	and	and	CCONJ
fsr-3378	175	28	on	on	ADP
fsr-3378	175	29	the	the	DET
fsr-3378	175	30	margin	margin	NOUN
fsr-3378	175	31	.	.	PUNCT
fsr-3378	176	1	together	together	ADV
fsr-3378	176	2	the	the	DET
fsr-3378	176	3	five	five	NUM
fsr-3378	176	4	factors	factor	NOUN
fsr-3378	176	5	explain	explain	VERB
fsr-3378	176	6	60	60	NUM
fsr-3378	176	7	%	%	NOUN
fsr-3378	176	8	of	of	ADP
fsr-3378	176	9	variation	variation	NOUN
fsr-3378	176	10	in	in	ADP
fsr-3378	176	11	the	the	DET
fsr-3378	176	12	average	average	ADJ
fsr-3378	176	13	credit	credit	NOUN
fsr-3378	176	14	scores	score	NOUN
fsr-3378	176	15	.	.	PUNCT
fsr-3378	177	1	table	table	NOUN
fsr-3378	177	2	3	3	NUM
fsr-3378	177	3	significance	significance	NOUN
fsr-3378	177	4	tests	test	VERB
fsr-3378	177	5	on	on	ADP
fsr-3378	177	6	regression	regression	NOUN
fsr-3378	177	7	for	for	ADP
fsr-3378	177	8	revolving	revolve	VERB
fsr-3378	177	9	credit	credit	NOUN
fsr-3378	177	10	utilization	utilization	NOUN
fsr-3378	177	11	relative	relative	ADJ
fsr-3378	177	12	to	to	ADP
fsr-3378	177	13	household	household	NOUN
fsr-3378	177	14	income	income	NOUN
fsr-3378	177	15	factors	factor	NOUN
fsr-3378	177	16	included	include	VERB
fsr-3378	177	17	r2	r2	PROPN
fsr-3378	177	18	f	f	PROPN
fsr-3378	177	19	value	value	NOUN
fsr-3378	177	20	df	df	PROPN
fsr-3378	177	21	p	p	ADJ
fsr-3378	177	22	-	-	PUNCT
fsr-3378	177	23	value	value	NOUN
fsr-3378	177	24	sample	sample	NOUN
fsr-3378	177	25	size	size	NOUN
fsr-3378	177	26	full	full	ADJ
fsr-3378	177	27	model	model	NOUN
fsr-3378	177	28	0.05	0.05	NUM
fsr-3378	177	29	2.14	2.14	NUM
fsr-3378	177	30	23	23	NUM
fsr-3378	177	31	0.002	0.002	NUM
fsr-3378	177	32	942	942	NUM
fsr-3378	177	33	ex	ex	PRON
fsr-3378	177	34	adverse	adverse	ADJ
fsr-3378	177	35	events	event	NOUN
fsr-3378	177	36	0.04	0.04	NUM
fsr-3378	177	37	2.04	2.04	NUM
fsr-3378	177	38	5	5	NUM
fsr-3378	177	39	0.071	0.071	NUM
fsr-3378	177	40	942	942	NUM
fsr-3378	177	41	ex	ex	PRON
fsr-3378	177	42	demographic	demographic	ADJ
fsr-3378	177	43	0.03	0.03	NUM
fsr-3378	177	44	2.87	2.87	NUM
fsr-3378	177	45	6	6	NUM
fsr-3378	177	46	0.009	0.009	NUM
fsr-3378	177	47	942	942	NUM
fsr-3378	177	48	ex	ex	NOUN
fsr-3378	177	49	resources	resource	NOUN
fsr-3378	177	50	0.04	0.04	NUM
fsr-3378	177	51	1.94	1.94	NUM
fsr-3378	177	52	6	6	NUM
fsr-3378	177	53	0.072	0.072	NUM
fsr-3378	177	54	942	942	NUM
fsr-3378	178	1	ex	ex	PRON
fsr-3378	178	2	household	household	NOUN
fsr-3378	178	3	char	char	NOUN
fsr-3378	178	4	0.04	0.04	NUM
fsr-3378	178	5	1.24	1.24	NUM
fsr-3378	178	6	6	6	NUM
fsr-3378	178	7	0.282	0.282	NUM
fsr-3378	178	8	942	942	NUM
fsr-3378	178	9	only	only	ADV
fsr-3378	178	10	adverse	adverse	ADJ
fsr-3378	178	11	events	event	NOUN
fsr-3378	178	12	0.02	0.02	NUM
fsr-3378	178	13	2.85	2.85	NUM
fsr-3378	178	14	5	5	NUM
fsr-3378	178	15	0.015	0.015	NUM
fsr-3378	178	16	942	942	NUM
fsr-3378	178	17	only	only	ADV
fsr-3378	178	18	demographic	demographic	ADJ
fsr-3378	178	19	0.02	0.02	NUM
fsr-3378	178	20	2.48	2.48	NUM
fsr-3378	178	21	6	6	NUM
fsr-3378	178	22	0.022	0.022	NUM
fsr-3378	178	23	942	942	NUM
fsr-3378	178	24	only	only	ADV
fsr-3378	178	25	resources	resource	NOUN
fsr-3378	178	26	0.01	0.01	NUM
fsr-3378	178	27	1.62	1.62	NUM
fsr-3378	178	28	6	6	NUM
fsr-3378	178	29	0.139	0.139	NUM
fsr-3378	178	30	942	942	NUM
fsr-3378	178	31	only	only	ADJ
fsr-3378	178	32	household	household	NOUN
fsr-3378	178	33	char	char	NOUN
fsr-3378	178	34	0.01	0.01	NUM
fsr-3378	178	35	1.32	1.32	NUM
fsr-3378	178	36	6	6	NUM
fsr-3378	178	37	0.244	0.244	NUM
fsr-3378	178	38	942	942	NUM
fsr-3378	178	39	reduced	reduce	VERB
fsr-3378	178	40	model	model	NOUN
fsr-3378	178	41	0.04	0.04	NUM
fsr-3378	178	42	5.96	5.96	NUM
fsr-3378	178	43	6	6	NUM
fsr-3378	178	44	�	�	NOUN
fsr-3378	178	45	0.0001	0.0001	NUM
fsr-3378	178	46	942	942	NUM
fsr-3378	178	47	table	table	NOUN
fsr-3378	178	48	4	4	NUM
fsr-3378	178	49	significance	significance	NOUN
fsr-3378	178	50	tests	test	NOUN
fsr-3378	178	51	on	on	ADP
fsr-3378	178	52	logistic	logistic	ADJ
fsr-3378	178	53	models	model	NOUN
fsr-3378	178	54	for	for	ADP
fsr-3378	178	55	whether	whether	SCONJ
fsr-3378	178	56	participant	participant	ADJ
fsr-3378	178	57	pays	pay	VERB
fsr-3378	178	58	at	at	ADP
fsr-3378	178	59	least	least	ADJ
fsr-3378	178	60	minimum	minimum	ADJ
fsr-3378	178	61	payment	payment	NOUN
fsr-3378	178	62	on	on	ADP
fsr-3378	178	63	all	all	DET
fsr-3378	178	64	obligations	obligation	NOUN
fsr-3378	178	65	each	each	DET
fsr-3378	178	66	month	month	NOUN
fsr-3378	178	67	factors	factor	NOUN
fsr-3378	178	68	included	include	VERB
fsr-3378	178	69	�	�	PROPN
fsr-3378	178	70	2	2	NUM
fsr-3378	178	71	df	df	PROPN
fsr-3378	178	72	p	p	ADJ
fsr-3378	178	73	-	-	PUNCT
fsr-3378	178	74	value	value	NOUN
fsr-3378	178	75	sample	sample	NOUN
fsr-3378	178	76	size	size	NOUN
fsr-3378	178	77	full	full	ADJ
fsr-3378	178	78	model	model	NOUN
fsr-3378	178	79	256.7	256.7	NUM
fsr-3378	178	80	23	23	NUM
fsr-3378	178	81	�	�	NOUN
fsr-3378	178	82	0.0001	0.0001	NUM
fsr-3378	178	83	997	997	NUM
fsr-3378	178	84	ex	ex	PRON
fsr-3378	178	85	adverse	adverse	ADJ
fsr-3378	178	86	events	event	NOUN
fsr-3378	178	87	23.4	23.4	NUM
fsr-3378	178	88	5	5	NUM
fsr-3378	178	89	0.0003	0.0003	NUM
fsr-3378	178	90	997	997	NUM
fsr-3378	178	91	ex	ex	PRON
fsr-3378	178	92	demographic	demographic	ADJ
fsr-3378	178	93	36.9	36.9	NUM
fsr-3378	178	94	6	6	NUM
fsr-3378	178	95	�	�	NOUN
fsr-3378	178	96	0.0001	0.0001	NUM
fsr-3378	178	97	997	997	NUM
fsr-3378	178	98	ex	ex	NOUN
fsr-3378	178	99	resources	resource	NOUN
fsr-3378	178	100	35.2	35.2	NUM
fsr-3378	178	101	6	6	NUM
fsr-3378	178	102	�	�	NOUN
fsr-3378	178	103	0.0001	0.0001	NUM
fsr-3378	178	104	997	997	NUM
fsr-3378	178	105	ex	ex	PRON
fsr-3378	178	106	household	household	NOUN
fsr-3378	178	107	char	char	NOUN
fsr-3378	178	108	14.8	14.8	NUM
fsr-3378	178	109	6	6	NUM
fsr-3378	178	110	0.022	0.022	NUM
fsr-3378	178	111	997	997	NUM
fsr-3378	178	112	reduced	reduce	VERB
fsr-3378	178	113	model	model	NOUN
fsr-3378	178	114	248.2	248.2	NUM
fsr-3378	178	115	10	10	NUM
fsr-3378	178	116	�	�	NOUN
fsr-3378	178	117	0.0001	0.0001	NUM
fsr-3378	178	118	997	997	NUM
fsr-3378	178	119	13l.d	13l.d	NUM
fsr-3378	178	120	.	.	PUNCT
fsr-3378	179	1	smith	smith	PROPN
fsr-3378	179	2	et	et	PROPN
fsr-3378	179	3	al	al	PROPN
fsr-3378	179	4	.	.	PUNCT
fsr-3378	179	5	/	/	SYM
fsr-3378	179	6	financial	financial	ADJ
fsr-3378	179	7	services	service	NOUN
fsr-3378	179	8	review	review	VERB
fsr-3378	179	9	27	27	NUM
fsr-3378	179	10	(	(	PUNCT
fsr-3378	179	11	2018	2018	NUM
fsr-3378	179	12	)	)	PUNCT
fsr-3378	179	13	1	1	NUM
fsr-3378	179	14	-	-	SYM
fsr-3378	179	15	28	28	NUM
fsr-3378	179	16	we	we	PRON
fsr-3378	179	17	now	now	ADV
fsr-3378	179	18	turn	turn	VERB
fsr-3378	179	19	attention	attention	NOUN
fsr-3378	179	20	to	to	ADP
fsr-3378	179	21	the	the	DET
fsr-3378	179	22	likelihood	likelihood	NOUN
fsr-3378	179	23	that	that	SCONJ
fsr-3378	179	24	an	an	DET
fsr-3378	179	25	individual	individual	NOUN
fsr-3378	179	26	finds	find	VERB
fsr-3378	179	27	a	a	DET
fsr-3378	179	28	potentially	potentially	ADV
fsr-3378	179	29	material	material	ADJ
fsr-3378	179	30	error	error	NOUN
fsr-3378	179	31	in	in	ADP
fsr-3378	179	32	one	one	NUM
fsr-3378	179	33	or	or	CCONJ
fsr-3378	179	34	more	more	ADJ
fsr-3378	179	35	of	of	ADP
fsr-3378	179	36	his	his	PRON
fsr-3378	179	37	or	or	CCONJ
fsr-3378	179	38	her	her	PRON
fsr-3378	179	39	credit	credit	NOUN
fsr-3378	179	40	files	file	NOUN
fsr-3378	179	41	.	.	PUNCT
fsr-3378	180	1	continuing	continue	VERB
fsr-3378	180	2	in	in	ADP
fsr-3378	180	3	our	our	PRON
fsr-3378	180	4	hierarchical	hierarchical	ADJ
fsr-3378	180	5	analysis	analysis	NOUN
fsr-3378	180	6	,	,	PUNCT
fsr-3378	180	7	we	we	PRON
fsr-3378	180	8	add	add	VERB
fsr-3378	180	9	the	the	DET
fsr-3378	180	10	person	person	NOUN
fsr-3378	180	11	’s	’s	PART
fsr-3378	180	12	credit	credit	NOUN
fsr-3378	180	13	score	score	NOUN
fsr-3378	180	14	(	(	PUNCT
fsr-3378	180	15	strength	strength	NOUN
fsr-3378	180	16	of	of	ADP
fsr-3378	180	17	the	the	DET
fsr-3378	180	18	credit	credit	NOUN
fsr-3378	180	19	record	record	NOUN
fsr-3378	180	20	)	)	PUNCT
fsr-3378	180	21	as	as	ADP
fsr-3378	180	22	an	an	DET
fsr-3378	180	23	explanatory	explanatory	ADJ
fsr-3378	180	24	factor	factor	NOUN
fsr-3378	180	25	at	at	ADP
fsr-3378	180	26	this	this	DET
fsr-3378	180	27	stage	stage	NOUN
fsr-3378	180	28	.	.	PUNCT
fsr-3378	181	1	table	table	NOUN
fsr-3378	181	2	7	7	NUM
fsr-3378	181	3	contains	contain	VERB
fsr-3378	181	4	the	the	DET
fsr-3378	181	5	results	result	NOUN
fsr-3378	181	6	of	of	ADP
fsr-3378	181	7	statistical	statistical	ADJ
fsr-3378	181	8	tests	test	NOUN
fsr-3378	181	9	for	for	ADP
fsr-3378	181	10	this	this	DET
fsr-3378	181	11	set	set	NOUN
fsr-3378	181	12	of	of	ADP
fsr-3378	181	13	models	model	NOUN
fsr-3378	181	14	.	.	PUNCT
fsr-3378	182	1	family	family	NOUN
fsr-3378	182	2	resources	resource	NOUN
fsr-3378	182	3	,	,	PUNCT
fsr-3378	182	4	the	the	DET
fsr-3378	182	5	credit	credit	NOUN
fsr-3378	182	6	record	record	NOUN
fsr-3378	182	7	(	(	PUNCT
fsr-3378	182	8	average	average	ADJ
fsr-3378	182	9	credit	credit	NOUN
fsr-3378	182	10	score	score	NOUN
fsr-3378	182	11	)	)	PUNCT
fsr-3378	182	12	and	and	CCONJ
fsr-3378	182	13	general	general	ADJ
fsr-3378	182	14	payment	payment	NOUN
fsr-3378	182	15	habits	habit	NOUN
fsr-3378	182	16	are	be	AUX
fsr-3378	182	17	the	the	DET
fsr-3378	182	18	prime	prime	ADJ
fsr-3378	182	19	factors	factor	NOUN
fsr-3378	182	20	determining	determine	VERB
fsr-3378	182	21	the	the	DET
fsr-3378	182	22	likelihood	likelihood	NOUN
fsr-3378	182	23	that	that	SCONJ
fsr-3378	182	24	the	the	DET
fsr-3378	182	25	individual	individual	NOUN
fsr-3378	182	26	will	will	AUX
fsr-3378	182	27	have	have	AUX
fsr-3378	182	28	a	a	DET
fsr-3378	182	29	potentially	potentially	ADV
fsr-3378	182	30	material	material	ADJ
fsr-3378	182	31	dispute	dispute	NOUN
fsr-3378	182	32	with	with	ADP
fsr-3378	182	33	information	information	NOUN
fsr-3378	182	34	in	in	ADP
fsr-3378	182	35	the	the	DET
fsr-3378	182	36	credit	credit	NOUN
fsr-3378	182	37	file	file	NOUN
fsr-3378	182	38	.	.	PUNCT
fsr-3378	183	1	this	this	PRON
fsr-3378	183	2	is	be	AUX
fsr-3378	183	3	perhaps	perhaps	ADV
fsr-3378	183	4	not	not	PART
fsr-3378	183	5	surprising	surprising	ADJ
fsr-3378	183	6	,	,	PUNCT
fsr-3378	183	7	as	as	SCONJ
fsr-3378	183	8	individuals	individual	NOUN
fsr-3378	183	9	are	be	AUX
fsr-3378	183	10	more	more	ADV
fsr-3378	183	11	likely	likely	ADJ
fsr-3378	183	12	to	to	PART
fsr-3378	183	13	question	question	VERB
fsr-3378	183	14	items	item	NOUN
fsr-3378	183	15	that	that	PRON
fsr-3378	183	16	negatively	negatively	ADV
fsr-3378	183	17	affect	affect	VERB
fsr-3378	183	18	the	the	DET
fsr-3378	183	19	credit	credit	NOUN
fsr-3378	183	20	record	record	NOUN
fsr-3378	183	21	.	.	PUNCT
fsr-3378	184	1	payment	payment	NOUN
fsr-3378	184	2	behavior	behavior	NOUN
fsr-3378	184	3	also	also	ADV
fsr-3378	184	4	(	(	PUNCT
fsr-3378	184	5	almost	almost	ADV
fsr-3378	184	6	axiomatically	axiomatically	ADV
fsr-3378	184	7	)	)	PUNCT
fsr-3378	184	8	affects	affect	VERB
fsr-3378	184	9	the	the	DET
fsr-3378	184	10	strength	strength	NOUN
fsr-3378	184	11	of	of	ADP
fsr-3378	184	12	the	the	DET
fsr-3378	184	13	credit	credit	NOUN
fsr-3378	184	14	record	record	NOUN
fsr-3378	184	15	and	and	CCONJ
fsr-3378	184	16	therefore	therefore	ADV
fsr-3378	184	17	the	the	DET
fsr-3378	184	18	likelihood	likelihood	NOUN
fsr-3378	184	19	of	of	ADP
fsr-3378	184	20	negative	negative	ADJ
fsr-3378	184	21	information	information	NOUN
fsr-3378	184	22	being	be	AUX
fsr-3378	184	23	present	present	ADJ
fsr-3378	184	24	.	.	PUNCT
fsr-3378	185	1	we	we	PRON
fsr-3378	185	2	acknowledge	acknowledge	VERB
fsr-3378	185	3	that	that	SCONJ
fsr-3378	185	4	disputes	dispute	NOUN
fsr-3378	185	5	in	in	ADP
fsr-3378	185	6	this	this	DET
fsr-3378	185	7	study	study	NOUN
fsr-3378	185	8	involve	involve	VERB
fsr-3378	185	9	inaccurate	inaccurate	ADJ
fsr-3378	185	10	information	information	NOUN
fsr-3378	185	11	in	in	ADP
fsr-3378	185	12	the	the	DET
fsr-3378	185	13	credit	credit	NOUN
fsr-3378	185	14	file	file	NOUN
fsr-3378	185	15	(	(	PUNCT
fsr-3378	185	16	errors	error	NOUN
fsr-3378	185	17	of	of	ADP
fsr-3378	185	18	commission	commission	NOUN
fsr-3378	185	19	rather	rather	ADV
fsr-3378	185	20	than	than	ADP
fsr-3378	185	21	errors	error	NOUN
fsr-3378	185	22	of	of	ADP
fsr-3378	185	23	omission	omission	NOUN
fsr-3378	185	24	)	)	PUNCT
fsr-3378	185	25	and	and	CCONJ
fsr-3378	185	26	especially	especially	ADV
fsr-3378	185	27	information	information	NOUN
fsr-3378	185	28	that	that	PRON
fsr-3378	185	29	may	may	AUX
fsr-3378	185	30	have	have	VERB
fsr-3378	185	31	an	an	DET
fsr-3378	185	32	adverse	adverse	ADJ
fsr-3378	185	33	impact	impact	NOUN
fsr-3378	185	34	on	on	ADP
fsr-3378	185	35	the	the	DET
fsr-3378	185	36	credit	credit	NOUN
fsr-3378	185	37	score	score	NOUN
fsr-3378	185	38	.	.	PUNCT
fsr-3378	186	1	unreported	unreported	ADJ
fsr-3378	186	2	credit	credit	NOUN
fsr-3378	186	3	(	(	PUNCT
fsr-3378	186	4	such	such	ADJ
fsr-3378	186	5	as	as	ADP
fsr-3378	186	6	loans	loan	NOUN
fsr-3378	186	7	from	from	ADP
fsr-3378	186	8	family	family	NOUN
fsr-3378	186	9	members	member	NOUN
fsr-3378	186	10	or	or	CCONJ
fsr-3378	186	11	loans	loan	NOUN
fsr-3378	186	12	from	from	ADP
fsr-3378	186	13	unconventional	unconventional	ADJ
fsr-3378	186	14	lenders	lender	NOUN
fsr-3378	186	15	who	who	PRON
fsr-3378	186	16	do	do	AUX
fsr-3378	186	17	not	not	PART
fsr-3378	186	18	report	report	VERB
fsr-3378	186	19	to	to	ADP
fsr-3378	186	20	the	the	DET
fsr-3378	186	21	bureaus	bureaus	NOUN
fsr-3378	186	22	)	)	PUNCT
fsr-3378	186	23	is	be	AUX
fsr-3378	186	24	ignored	ignore	VERB
fsr-3378	186	25	.	.	PUNCT
fsr-3378	187	1	finally	finally	ADV
fsr-3378	187	2	,	,	PUNCT
fsr-3378	187	3	we	we	PRON
fsr-3378	187	4	examine	examine	VERB
fsr-3378	187	5	the	the	DET
fsr-3378	187	6	outcomes	outcome	NOUN
fsr-3378	187	7	of	of	ADP
fsr-3378	187	8	formal	formal	ADJ
fsr-3378	187	9	disputes	dispute	NOUN
fsr-3378	187	10	to	to	PART
fsr-3378	187	11	see	see	VERB
fsr-3378	187	12	if	if	SCONJ
fsr-3378	187	13	a	a	DET
fsr-3378	187	14	credit	credit	NOUN
fsr-3378	187	15	score	score	NOUN
fsr-3378	187	16	increases	increase	NOUN
fsr-3378	187	17	by	by	ADP
fsr-3378	187	18	more	more	ADJ
fsr-3378	187	19	than	than	ADP
fsr-3378	187	20	10	10	NUM
fsr-3378	187	21	points	point	NOUN
fsr-3378	187	22	or	or	CCONJ
fsr-3378	187	23	whether	whether	SCONJ
fsr-3378	187	24	a	a	DET
fsr-3378	187	25	credit	credit	NOUN
fsr-3378	187	26	score	score	NOUN
fsr-3378	187	27	for	for	ADP
fsr-3378	187	28	the	the	DET
fsr-3378	187	29	individual	individual	ADJ
fsr-3378	187	30	crosses	crosse	NOUN
fsr-3378	187	31	a	a	DET
fsr-3378	187	32	lending	lending	NOUN
fsr-3378	187	33	threshold	threshold	NOUN
fsr-3378	187	34	that	that	PRON
fsr-3378	187	35	would	would	AUX
fsr-3378	187	36	generally	generally	ADV
fsr-3378	187	37	dictate	dictate	VERB
fsr-3378	187	38	the	the	DET
fsr-3378	187	39	terms	term	NOUN
fsr-3378	187	40	of	of	ADP
fsr-3378	187	41	an	an	DET
fsr-3378	187	42	automobile	automobile	NOUN
fsr-3378	187	43	loan	loan	NOUN
fsr-3378	187	44	.	.	PUNCT
fsr-3378	188	1	a	a	DET
fsr-3378	188	2	summary	summary	NOUN
fsr-3378	188	3	of	of	ADP
fsr-3378	188	4	the	the	DET
fsr-3378	188	5	outcomes	outcome	NOUN
fsr-3378	188	6	is	be	AUX
fsr-3378	188	7	presented	present	VERB
fsr-3378	188	8	in	in	ADP
fsr-3378	188	9	table	table	NOUN
fsr-3378	188	10	8	8	NUM
fsr-3378	188	11	.	.	PUNCT
fsr-3378	189	1	for	for	ADP
fsr-3378	189	2	this	this	DET
fsr-3378	189	3	analysis	analysis	NOUN
fsr-3378	189	4	,	,	PUNCT
fsr-3378	189	5	we	we	PRON
fsr-3378	189	6	grouped	group	VERB
fsr-3378	189	7	the	the	DET
fsr-3378	189	8	disputants	disputant	NOUN
fsr-3378	189	9	according	accord	VERB
fsr-3378	189	10	to	to	ADP
fsr-3378	189	11	the	the	DET
fsr-3378	189	12	breakpoints	breakpoint	NOUN
fsr-3378	189	13	for	for	ADP
fsr-3378	189	14	fico	fico	NOUN
fsr-3378	189	15	credit	credit	NOUN
fsr-3378	189	16	-	-	PUNCT
fsr-3378	189	17	score	score	NOUN
fsr-3378	189	18	quintiles	quintile	NOUN
fsr-3378	189	19	(	(	PUNCT
fsr-3378	189	20	where	where	SCONJ
fsr-3378	189	21	the	the	DET
fsr-3378	189	22	quintiles	quintile	NOUN
fsr-3378	189	23	were	be	AUX
fsr-3378	189	24	determined	determine	VERB
fsr-3378	189	25	from	from	ADP
fsr-3378	189	26	the	the	DET
fsr-3378	189	27	nationwide	nationwide	ADJ
fsr-3378	189	28	sample	sample	NOUN
fsr-3378	189	29	used	use	VERB
fsr-3378	189	30	to	to	PART
fsr-3378	189	31	calibrate	calibrate	VERB
fsr-3378	189	32	the	the	DET
fsr-3378	189	33	fico	fico	NOUN
fsr-3378	189	34	scoring	scoring	NOUN
fsr-3378	189	35	model	model	NOUN
fsr-3378	189	36	)	)	PUNCT
fsr-3378	189	37	.	.	PUNCT
fsr-3378	190	1	the	the	DET
fsr-3378	190	2	greater	great	ADJ
fsr-3378	190	3	representation	representation	NOUN
fsr-3378	190	4	in	in	ADP
fsr-3378	190	5	lower	low	ADJ
fsr-3378	190	6	quintiles	quintile	NOUN
fsr-3378	190	7	is	be	AUX
fsr-3378	190	8	because	because	SCONJ
fsr-3378	190	9	of	of	ADP
fsr-3378	190	10	the	the	DET
fsr-3378	190	11	fact	fact	NOUN
fsr-3378	190	12	that	that	SCONJ
fsr-3378	190	13	individuals	individual	NOUN
fsr-3378	190	14	with	with	ADP
fsr-3378	190	15	low	low	ADJ
fsr-3378	190	16	credit	credit	NOUN
fsr-3378	190	17	scores	score	NOUN
fsr-3378	190	18	have	have	AUX
fsr-3378	190	19	more	more	ADJ
fsr-3378	190	20	derogatory	derogatory	ADJ
fsr-3378	190	21	information	information	NOUN
fsr-3378	190	22	in	in	ADP
fsr-3378	190	23	their	their	PRON
fsr-3378	190	24	credit	credit	NOUN
fsr-3378	190	25	files	file	NOUN
fsr-3378	190	26	,	,	PUNCT
fsr-3378	190	27	and	and	CCONJ
fsr-3378	190	28	are	be	AUX
fsr-3378	190	29	,	,	PUNCT
fsr-3378	190	30	therefore	therefore	ADV
fsr-3378	190	31	,	,	PUNCT
fsr-3378	190	32	more	more	ADV
fsr-3378	190	33	likely	likely	ADJ
fsr-3378	190	34	to	to	PART
fsr-3378	190	35	have	have	VERB
fsr-3378	190	36	something	something	PRON
fsr-3378	190	37	to	to	PART
fsr-3378	190	38	dispute	dispute	VERB
fsr-3378	190	39	.	.	PUNCT
fsr-3378	191	1	table	table	NOUN
fsr-3378	191	2	5	5	NUM
fsr-3378	191	3	significance	significance	NOUN
fsr-3378	191	4	tests	test	NOUN
fsr-3378	191	5	on	on	ADP
fsr-3378	191	6	logistic	logistic	ADJ
fsr-3378	191	7	models	model	NOUN
fsr-3378	191	8	for	for	ADP
fsr-3378	191	9	whether	whether	SCONJ
fsr-3378	191	10	participant	participant	ADJ
fsr-3378	191	11	pays	pay	VERB
fsr-3378	191	12	total	total	ADJ
fsr-3378	191	13	amounts	amount	NOUN
fsr-3378	191	14	due	due	ADJ
fsr-3378	191	15	on	on	ADP
fsr-3378	191	16	all	all	DET
fsr-3378	191	17	obligations	obligation	NOUN
fsr-3378	191	18	each	each	DET
fsr-3378	191	19	month	month	NOUN
fsr-3378	191	20	factors	factor	NOUN
fsr-3378	191	21	included	include	VERB
fsr-3378	191	22	�	�	PROPN
fsr-3378	191	23	2	2	NUM
fsr-3378	191	24	df	df	PROPN
fsr-3378	191	25	p	p	ADJ
fsr-3378	191	26	-	-	PUNCT
fsr-3378	191	27	value	value	NOUN
fsr-3378	191	28	sample	sample	NOUN
fsr-3378	191	29	size	size	NOUN
fsr-3378	191	30	full	full	ADJ
fsr-3378	191	31	model	model	NOUN
fsr-3378	191	32	293.8	293.8	NUM
fsr-3378	191	33	23	23	NUM
fsr-3378	191	34	�	�	NOUN
fsr-3378	191	35	0.0001	0.0001	NUM
fsr-3378	191	36	997	997	NUM
fsr-3378	191	37	ex	ex	PRON
fsr-3378	191	38	adverse	adverse	ADJ
fsr-3378	191	39	events	event	NOUN
fsr-3378	191	40	22.1	22.1	NUM
fsr-3378	191	41	5	5	NUM
fsr-3378	191	42	0.0005	0.0005	NUM
fsr-3378	191	43	997	997	NUM
fsr-3378	191	44	ex	ex	PRON
fsr-3378	191	45	demographic	demographic	ADJ
fsr-3378	191	46	50.2	50.2	NUM
fsr-3378	191	47	6	6	NUM
fsr-3378	191	48	�	�	NOUN
fsr-3378	191	49	0.0001	0.0001	NUM
fsr-3378	191	50	997	997	NUM
fsr-3378	191	51	ex	ex	NOUN
fsr-3378	191	52	resources	resource	NOUN
fsr-3378	191	53	51.3	51.3	NUM
fsr-3378	191	54	6	6	NUM
fsr-3378	191	55	�	�	NOUN
fsr-3378	191	56	0.0001	0.0001	NUM
fsr-3378	191	57	997	997	NUM
fsr-3378	191	58	ex	ex	PRON
fsr-3378	191	59	household	household	NOUN
fsr-3378	191	60	char	char	NOUN
fsr-3378	191	61	32.5	32.5	NUM
fsr-3378	191	62	6	6	NUM
fsr-3378	191	63	�	�	NOUN
fsr-3378	191	64	0.0001	0.0001	NUM
fsr-3378	191	65	997	997	NUM
fsr-3378	191	66	reduced	reduce	VERB
fsr-3378	191	67	model	model	NOUN
fsr-3378	191	68	286.7	286.7	NUM
fsr-3378	191	69	12	12	NUM
fsr-3378	191	70	�	�	NOUN
fsr-3378	191	71	0.0001	0.0001	NUM
fsr-3378	191	72	997	997	NUM
fsr-3378	191	73	table	table	NOUN
fsr-3378	191	74	6	6	NUM
fsr-3378	191	75	significance	significance	NOUN
fsr-3378	191	76	tests	test	NOUN
fsr-3378	191	77	on	on	ADP
fsr-3378	191	78	regression	regression	NOUN
fsr-3378	191	79	models	model	NOUN
fsr-3378	191	80	for	for	ADP
fsr-3378	191	81	the	the	DET
fsr-3378	191	82	participant	participant	NOUN
fsr-3378	191	83	’s	’s	PART
fsr-3378	191	84	average	average	ADJ
fsr-3378	191	85	credit	credit	NOUN
fsr-3378	191	86	score	score	NOUN
fsr-3378	191	87	factors	factor	NOUN
fsr-3378	191	88	included	include	VERB
fsr-3378	191	89	r2	r2	PROPN
fsr-3378	191	90	f	f	PROPN
fsr-3378	191	91	value	value	NOUN
fsr-3378	191	92	df	df	PROPN
fsr-3378	191	93	p	p	ADJ
fsr-3378	191	94	-	-	PUNCT
fsr-3378	191	95	value	value	NOUN
fsr-3378	191	96	sample	sample	NOUN
fsr-3378	191	97	size	size	NOUN
fsr-3378	191	98	full	full	ADJ
fsr-3378	191	99	model	model	NOUN
fsr-3378	191	100	0.60	0.60	NUM
fsr-3378	191	101	58.43	58.43	NUM
fsr-3378	191	102	25	25	NUM
fsr-3378	191	103	�	�	NOUN
fsr-3378	191	104	0.0001	0.0001	NUM
fsr-3378	191	105	997	997	NUM
fsr-3378	191	106	ex	ex	PRON
fsr-3378	191	107	adverse	adverse	ADJ
fsr-3378	191	108	events	event	NOUN
fsr-3378	191	109	0.58	0.58	NUM
fsr-3378	191	110	10.06	10.06	NUM
fsr-3378	191	111	5	5	NUM
fsr-3378	191	112	�	�	NOUN
fsr-3378	191	113	0.0001	0.0001	NUM
fsr-3378	191	114	997	997	NUM
fsr-3378	191	115	ex	ex	PRON
fsr-3378	191	116	demographic	demographic	ADJ
fsr-3378	191	117	0.58	0.58	NUM
fsr-3378	191	118	9.21	9.21	NUM
fsr-3378	191	119	6	6	NUM
fsr-3378	191	120	�	�	NOUN
fsr-3378	191	121	0.0001	0.0001	NUM
fsr-3378	191	122	997	997	NUM
fsr-3378	191	123	ex	ex	NOUN
fsr-3378	191	124	resources	resource	NOUN
fsr-3378	191	125	0.56	0.56	NUM
fsr-3378	191	126	15.97	15.97	NUM
fsr-3378	191	127	6	6	NUM
fsr-3378	191	128	�	�	NOUN
fsr-3378	191	129	0.0001	0.0001	NUM
fsr-3378	191	130	997	997	NUM
fsr-3378	191	131	ex	ex	PRON
fsr-3378	191	132	household	household	NOUN
fsr-3378	191	133	char	char	NOUN
fsr-3378	192	1	0.58	0.58	NUM
fsr-3378	192	2	8.67	8.67	NUM
fsr-3378	192	3	6	6	NUM
fsr-3378	192	4	�	�	NOUN
fsr-3378	192	5	0.0001	0.0001	NUM
fsr-3378	192	6	997	997	NUM
fsr-3378	192	7	ex	ex	NOUN
fsr-3378	192	8	payment	payment	NOUN
fsr-3378	192	9	habits	habit	NOUN
fsr-3378	192	10	0.51	0.51	NUM
fsr-3378	192	11	115.16	115.16	NUM
fsr-3378	192	12	2	2	NUM
fsr-3378	192	13	�	�	NOUN
fsr-3378	192	14	0.0001	0.0001	NUM
fsr-3378	192	15	997	997	NUM
fsr-3378	192	16	only	only	ADJ
fsr-3378	192	17	adverse	adverse	ADJ
fsr-3378	192	18	events	event	NOUN
fsr-3378	192	19	0.18	0.18	NUM
fsr-3378	192	20	43.14	43.14	NUM
fsr-3378	192	21	5	5	NUM
fsr-3378	192	22	�	�	NOUN
fsr-3378	192	23	0.0001	0.0001	NUM
fsr-3378	192	24	997	997	NUM
fsr-3378	192	25	only	only	ADV
fsr-3378	192	26	demographic	demographic	ADJ
fsr-3378	192	27	0.24	0.24	NUM
fsr-3378	192	28	51.31	51.31	NUM
fsr-3378	192	29	6	6	NUM
fsr-3378	192	30	�	�	NOUN
fsr-3378	192	31	0.0001	0.0001	NUM
fsr-3378	192	32	997	997	NUM
fsr-3378	192	33	only	only	ADJ
fsr-3378	192	34	resources	resource	NOUN
fsr-3378	192	35	0.22	0.22	NUM
fsr-3378	192	36	48.73	48.73	NUM
fsr-3378	192	37	6	6	NUM
fsr-3378	192	38	�	�	NOUN
fsr-3378	192	39	0.0001	0.0001	NUM
fsr-3378	192	40	997	997	NUM
fsr-3378	192	41	only	only	ADJ
fsr-3378	192	42	household	household	NOUN
fsr-3378	192	43	char	char	NOUN
fsr-3378	192	44	0.23	0.23	NUM
fsr-3378	192	45	48.73	48.73	NUM
fsr-3378	192	46	6	6	NUM
fsr-3378	192	47	�	�	NOUN
fsr-3378	192	48	0.0001	0.0001	NUM
fsr-3378	192	49	997	997	NUM
fsr-3378	192	50	only	only	ADJ
fsr-3378	192	51	payment	payment	NOUN
fsr-3378	192	52	habits	habit	NOUN
fsr-3378	192	53	0.42	0.42	NUM
fsr-3378	192	54	364.58	364.58	NUM
fsr-3378	192	55	2	2	NUM
fsr-3378	192	56	�	�	NOUN
fsr-3378	192	57	0.0001	0.0001	NUM
fsr-3378	192	58	997	997	NUM
fsr-3378	192	59	reduced	reduce	VERB
fsr-3378	192	60	model	model	NOUN
fsr-3378	192	61	0.60	0.60	NUM
fsr-3378	192	62	90.98	90.98	NUM
fsr-3378	192	63	16	16	NUM
fsr-3378	192	64	�	�	NOUN
fsr-3378	192	65	0.0001	0.0001	NUM
fsr-3378	192	66	997	997	NUM
fsr-3378	192	67	14	14	NUM
fsr-3378	192	68	l.d	l.d	PROPN
fsr-3378	192	69	.	.	PROPN
fsr-3378	192	70	smith	smith	PROPN
fsr-3378	192	71	et	et	PROPN
fsr-3378	192	72	al	al	PROPN
fsr-3378	192	73	.	.	PUNCT
fsr-3378	192	74	/	/	SYM
fsr-3378	192	75	financial	financial	ADJ
fsr-3378	192	76	services	service	NOUN
fsr-3378	192	77	review	review	VERB
fsr-3378	192	78	27	27	NUM
fsr-3378	192	79	(	(	PUNCT
fsr-3378	192	80	2018	2018	NUM
fsr-3378	192	81	)	)	PUNCT
fsr-3378	192	82	1	1	NUM
fsr-3378	192	83	-	-	SYM
fsr-3378	192	84	28	28	NUM
fsr-3378	192	85	note	note	NOUN
fsr-3378	192	86	that	that	SCONJ
fsr-3378	192	87	the	the	DET
fsr-3378	192	88	relationship	relationship	NOUN
fsr-3378	192	89	of	of	ADP
fsr-3378	192	90	outcomes	outcome	NOUN
fsr-3378	192	91	with	with	ADP
fsr-3378	192	92	credit	credit	NOUN
fsr-3378	192	93	score	score	NOUN
fsr-3378	192	94	is	be	AUX
fsr-3378	192	95	not	not	PART
fsr-3378	192	96	linear	linear	ADJ
fsr-3378	192	97	.	.	PUNCT
fsr-3378	193	1	the	the	DET
fsr-3378	193	2	probability	probability	NOUN
fsr-3378	193	3	of	of	ADP
fsr-3378	193	4	improvement	improvement	NOUN
fsr-3378	193	5	is	be	AUX
fsr-3378	193	6	highest	high	ADJ
fsr-3378	193	7	for	for	ADP
fsr-3378	193	8	individuals	individual	NOUN
fsr-3378	193	9	with	with	ADP
fsr-3378	193	10	moderate	moderate	ADJ
fsr-3378	193	11	credit	credit	NOUN
fsr-3378	193	12	scores	score	NOUN
fsr-3378	193	13	.	.	PUNCT
fsr-3378	194	1	many	many	ADJ
fsr-3378	194	2	individuals	individual	NOUN
fsr-3378	194	3	with	with	ADP
fsr-3378	194	4	average	average	ADJ
fsr-3378	194	5	fico	fico	NOUN
fsr-3378	194	6	scores	score	NOUN
fsr-3378	194	7	in	in	ADP
fsr-3378	194	8	the	the	DET
fsr-3378	194	9	top	top	ADJ
fsr-3378	194	10	two	two	NUM
fsr-3378	194	11	quintiles	quintile	NOUN
fsr-3378	194	12	already	already	ADV
fsr-3378	194	13	have	have	VERB
fsr-3378	194	14	three	three	NUM
fsr-3378	194	15	credit	credit	NOUN
fsr-3378	194	16	scores	score	NOUN
fsr-3378	194	17	that	that	PRON
fsr-3378	194	18	qualify	qualify	VERB
fsr-3378	194	19	them	they	PRON
fsr-3378	194	20	for	for	ADP
fsr-3378	194	21	most	most	ADV
fsr-3378	194	22	favorable	favorable	ADJ
fsr-3378	194	23	terms	term	NOUN
fsr-3378	194	24	of	of	ADP
fsr-3378	194	25	borrowing	borrowing	NOUN
fsr-3378	194	26	;	;	PUNCT
fsr-3378	194	27	so	so	SCONJ
fsr-3378	194	28	corrections	correction	NOUN
fsr-3378	194	29	to	to	ADP
fsr-3378	194	30	their	their	PRON
fsr-3378	194	31	files	file	NOUN
fsr-3378	194	32	did	do	AUX
fsr-3378	194	33	not	not	PART
fsr-3378	194	34	significantly	significantly	ADV
fsr-3378	194	35	affect	affect	VERB
fsr-3378	194	36	their	their	PRON
fsr-3378	194	37	credit	credit	NOUN
fsr-3378	194	38	standing	standing	NOUN
fsr-3378	194	39	.	.	PUNCT
fsr-3378	195	1	individuals	individual	NOUN
fsr-3378	195	2	in	in	ADP
fsr-3378	195	3	the	the	DET
fsr-3378	195	4	lowest	low	ADJ
fsr-3378	195	5	quintile	quintile	NOUN
fsr-3378	195	6	tended	tend	VERB
fsr-3378	195	7	to	to	PART
fsr-3378	195	8	have	have	VERB
fsr-3378	195	9	so	so	ADV
fsr-3378	195	10	much	much	ADJ
fsr-3378	195	11	derogatory	derogatory	ADJ
fsr-3378	195	12	information	information	NOUN
fsr-3378	195	13	in	in	ADP
fsr-3378	195	14	the	the	DET
fsr-3378	195	15	credit	credit	NOUN
fsr-3378	195	16	report	report	NOUN
fsr-3378	195	17	that	that	SCONJ
fsr-3378	195	18	correcting	correct	VERB
fsr-3378	195	19	errors	error	NOUN
fsr-3378	195	20	did	do	AUX
fsr-3378	195	21	not	not	PART
fsr-3378	195	22	generally	generally	ADV
fsr-3378	195	23	improve	improve	VERB
fsr-3378	195	24	the	the	DET
fsr-3378	195	25	scores	score	NOUN
fsr-3378	195	26	sufficiently	sufficiently	ADV
fsr-3378	195	27	to	to	PART
fsr-3378	195	28	move	move	VERB
fsr-3378	195	29	them	they	PRON
fsr-3378	195	30	to	to	ADP
fsr-3378	195	31	a	a	DET
fsr-3378	195	32	lower	low	ADJ
fsr-3378	195	33	-	-	PUNCT
fsr-3378	195	34	risk	risk	NOUN
fsr-3378	195	35	group	group	NOUN
fsr-3378	195	36	.	.	PUNCT
fsr-3378	196	1	individuals	individual	NOUN
fsr-3378	196	2	with	with	ADP
fsr-3378	196	3	average	average	ADJ
fsr-3378	196	4	credit	credit	NOUN
fsr-3378	196	5	scores	score	NOUN
fsr-3378	196	6	in	in	ADP
fsr-3378	196	7	the	the	DET
fsr-3378	196	8	low	low	ADJ
fsr-3378	196	9	-	-	PUNCT
fsr-3378	196	10	to	to	ADP
fsr-3378	196	11	-	-	PUNCT
fsr-3378	196	12	middle	middle	ADJ
fsr-3378	196	13	group	group	NOUN
fsr-3378	196	14	who	who	PRON
fsr-3378	196	15	find	find	VERB
fsr-3378	196	16	errors	error	NOUN
fsr-3378	196	17	in	in	ADP
fsr-3378	196	18	their	their	PRON
fsr-3378	196	19	credit	credit	NOUN
fsr-3378	196	20	reports	report	NOUN
fsr-3378	196	21	have	have	VERB
fsr-3378	196	22	the	the	DET
fsr-3378	196	23	most	most	ADJ
fsr-3378	196	24	to	to	PART
fsr-3378	196	25	gain	gain	VERB
fsr-3378	196	26	immediately	immediately	ADV
fsr-3378	196	27	from	from	ADP
fsr-3378	196	28	seeking	seek	VERB
fsr-3378	196	29	corrections	correction	NOUN
fsr-3378	196	30	to	to	ADP
fsr-3378	196	31	their	their	PRON
fsr-3378	196	32	files	file	NOUN
fsr-3378	196	33	.	.	PUNCT
fsr-3378	197	1	a	a	DET
fsr-3378	197	2	third	third	NOUN
fsr-3378	197	3	of	of	ADP
fsr-3378	197	4	individuals	individual	NOUN
fsr-3378	197	5	in	in	ADP
fsr-3378	197	6	the	the	DET
fsr-3378	197	7	lowermiddle	lowermiddle	NOUN
fsr-3378	197	8	quintiles	quintile	NOUN
fsr-3378	197	9	may	may	AUX
fsr-3378	197	10	expect	expect	VERB
fsr-3378	197	11	to	to	PART
fsr-3378	197	12	have	have	VERB
fsr-3378	197	13	one	one	NUM
fsr-3378	197	14	or	or	CCONJ
fsr-3378	197	15	more	more	ADJ
fsr-3378	197	16	of	of	ADP
fsr-3378	197	17	their	their	PRON
fsr-3378	197	18	credit	credit	NOUN
fsr-3378	197	19	scores	score	NOUN
fsr-3378	197	20	cross	cross	VERB
fsr-3378	197	21	a	a	DET
fsr-3378	197	22	threshold	threshold	NOUN
fsr-3378	197	23	that	that	PRON
fsr-3378	197	24	is	be	AUX
fsr-3378	197	25	used	use	VERB
fsr-3378	197	26	to	to	PART
fsr-3378	197	27	determine	determine	VERB
fsr-3378	197	28	the	the	DET
fsr-3378	197	29	price	price	NOUN
fsr-3378	197	30	of	of	ADP
fsr-3378	197	31	an	an	DET
fsr-3378	197	32	automobile	automobile	NOUN
fsr-3378	197	33	loan.5	loan.5	ADJ
fsr-3378	197	34	significance	significance	NOUN
fsr-3378	197	35	tests	test	VERB
fsr-3378	197	36	for	for	ADP
fsr-3378	197	37	logistic	logistic	ADJ
fsr-3378	197	38	models	model	NOUN
fsr-3378	197	39	pertaining	pertain	VERB
fsr-3378	197	40	to	to	ADP
fsr-3378	197	41	the	the	DET
fsr-3378	197	42	likelihood	likelihood	NOUN
fsr-3378	197	43	of	of	ADP
fsr-3378	197	44	having	have	VERB
fsr-3378	197	45	an	an	DET
fsr-3378	197	46	increase	increase	NOUN
fsr-3378	197	47	of	of	ADP
fsr-3378	197	48	10	10	NUM
fsr-3378	197	49	or	or	CCONJ
fsr-3378	197	50	more	more	ADJ
fsr-3378	197	51	points	point	NOUN
fsr-3378	197	52	after	after	SCONJ
fsr-3378	197	53	dispute	dispute	NOUN
fsr-3378	197	54	resolution	resolution	NOUN
fsr-3378	197	55	are	be	AUX
fsr-3378	197	56	presented	present	VERB
fsr-3378	197	57	in	in	ADP
fsr-3378	197	58	table	table	NOUN
fsr-3378	197	59	9	9	NUM
fsr-3378	197	60	.	.	NOUN
fsr-3378	197	61	significance	significance	NOUN
fsr-3378	197	62	tests	test	NOUN
fsr-3378	197	63	for	for	ADP
fsr-3378	197	64	logistic	logistic	ADJ
fsr-3378	197	65	models	model	NOUN
fsr-3378	197	66	pertaining	pertain	VERB
fsr-3378	197	67	to	to	ADP
fsr-3378	197	68	the	the	DET
fsr-3378	197	69	likelihood	likelihood	NOUN
fsr-3378	197	70	of	of	ADP
fsr-3378	197	71	crossing	cross	VERB
fsr-3378	197	72	a	a	DET
fsr-3378	197	73	lending	lending	NOUN
fsr-3378	197	74	threshold	threshold	NOUN
fsr-3378	197	75	are	be	AUX
fsr-3378	197	76	presented	present	VERB
fsr-3378	197	77	in	in	ADP
fsr-3378	197	78	table	table	NOUN
fsr-3378	197	79	10	10	NUM
fsr-3378	197	80	.	.	PUNCT
fsr-3378	198	1	the	the	DET
fsr-3378	198	2	logistic	logistic	ADJ
fsr-3378	198	3	models	model	NOUN
fsr-3378	198	4	are	be	AUX
fsr-3378	198	5	constructed	construct	VERB
fsr-3378	198	6	with	with	ADP
fsr-3378	198	7	(	(	PUNCT
fsr-3378	198	8	0–1	0–1	NOUN
fsr-3378	198	9	)	)	PUNCT
fsr-3378	198	10	indicator	indicator	NOUN
fsr-3378	198	11	variables	variable	VERB
fsr-3378	198	12	for	for	ADP
fsr-3378	198	13	the	the	DET
fsr-3378	198	14	creditscore	creditscore	NOUN
fsr-3378	198	15	quintile	quintile	NOUN
fsr-3378	198	16	to	to	PART
fsr-3378	198	17	accommodate	accommodate	VERB
fsr-3378	198	18	the	the	DET
fsr-3378	198	19	nonlinear	nonlinear	ADJ
fsr-3378	198	20	relationship	relationship	NOUN
fsr-3378	198	21	.	.	PUNCT
fsr-3378	199	1	together	together	ADV
fsr-3378	199	2	,	,	PUNCT
fsr-3378	199	3	these	these	DET
fsr-3378	199	4	results	result	NOUN
fsr-3378	199	5	in	in	ADP
fsr-3378	199	6	tables	table	NOUN
fsr-3378	199	7	9	9	NUM
fsr-3378	199	8	and	and	CCONJ
fsr-3378	199	9	10	10	NUM
fsr-3378	199	10	suggest	suggest	VERB
fsr-3378	199	11	that	that	SCONJ
fsr-3378	199	12	the	the	DET
fsr-3378	199	13	outcomes	outcome	NOUN
fsr-3378	199	14	of	of	ADP
fsr-3378	199	15	disputes	dispute	NOUN
fsr-3378	199	16	filed	file	VERB
fsr-3378	199	17	with	with	ADP
fsr-3378	199	18	the	the	DET
fsr-3378	199	19	credit	credit	NOUN
fsr-3378	199	20	bureaus	bureaus	NOUN
fsr-3378	199	21	to	to	PART
fsr-3378	199	22	address	address	VERB
fsr-3378	199	23	potentially	potentially	ADV
fsr-3378	199	24	material	material	ADJ
fsr-3378	199	25	errors	error	NOUN
fsr-3378	199	26	in	in	ADP
fsr-3378	199	27	credit	credit	NOUN
fsr-3378	199	28	report(s	report(s	PROPN
fsr-3378	199	29	)	)	PUNCT
fsr-3378	199	30	are	be	AUX
fsr-3378	199	31	not	not	PART
fsr-3378	199	32	influenced	influence	VERB
fsr-3378	199	33	table	table	NOUN
fsr-3378	199	34	7	7	NUM
fsr-3378	199	35	significance	significance	NOUN
fsr-3378	199	36	tests	test	NOUN
fsr-3378	199	37	on	on	ADP
fsr-3378	199	38	logistics	logistic	NOUN
fsr-3378	199	39	models	model	NOUN
fsr-3378	199	40	for	for	ADP
fsr-3378	199	41	the	the	DET
fsr-3378	199	42	likelihood	likelihood	NOUN
fsr-3378	199	43	of	of	ADP
fsr-3378	199	44	having	have	VERB
fsr-3378	199	45	a	a	DET
fsr-3378	199	46	dispute	dispute	NOUN
fsr-3378	199	47	of	of	ADP
fsr-3378	199	48	potentially	potentially	ADV
fsr-3378	199	49	material	material	ADJ
fsr-3378	199	50	information	information	NOUN
fsr-3378	199	51	in	in	ADP
fsr-3378	199	52	one	one	NUM
fsr-3378	199	53	or	or	CCONJ
fsr-3378	199	54	more	more	ADJ
fsr-3378	199	55	credit	credit	NOUN
fsr-3378	199	56	reports	report	NOUN
fsr-3378	199	57	factors	factor	NOUN
fsr-3378	199	58	included	include	VERB
fsr-3378	199	59	�	�	PROPN
fsr-3378	199	60	2	2	NUM
fsr-3378	199	61	df	df	PROPN
fsr-3378	199	62	p	p	ADJ
fsr-3378	199	63	-	-	PUNCT
fsr-3378	199	64	value	value	NOUN
fsr-3378	199	65	sample	sample	NOUN
fsr-3378	199	66	size	size	NOUN
fsr-3378	199	67	full	full	ADJ
fsr-3378	199	68	model	model	NOUN
fsr-3378	199	69	136.2	136.2	NUM
fsr-3378	199	70	26	26	NUM
fsr-3378	199	71	�	�	NOUN
fsr-3378	199	72	0.0001	0.0001	NUM
fsr-3378	199	73	995	995	NUM
fsr-3378	199	74	ex	ex	PRON
fsr-3378	199	75	adverse	adverse	ADJ
fsr-3378	199	76	events	event	NOUN
fsr-3378	199	77	5.2	5.2	NUM
fsr-3378	199	78	5	5	NUM
fsr-3378	199	79	0.39	0.39	NUM
fsr-3378	199	80	995	995	NUM
fsr-3378	199	81	ex	ex	PRON
fsr-3378	199	82	demographic	demographic	ADJ
fsr-3378	199	83	10.3	10.3	NUM
fsr-3378	199	84	6	6	NUM
fsr-3378	199	85	0.11	0.11	NUM
fsr-3378	199	86	995	995	NUM
fsr-3378	199	87	ex	ex	X
fsr-3378	199	88	resources	resource	NOUN
fsr-3378	199	89	17.5	17.5	NUM
fsr-3378	199	90	6	6	NUM
fsr-3378	199	91	0.01	0.01	NUM
fsr-3378	199	92	995	995	NUM
fsr-3378	199	93	ex	ex	PRON
fsr-3378	199	94	household	household	NOUN
fsr-3378	199	95	char	char	NOUN
fsr-3378	199	96	2.3	2.3	NUM
fsr-3378	199	97	6	6	NUM
fsr-3378	199	98	0.89	0.89	NUM
fsr-3378	199	99	995	995	NUM
fsr-3378	199	100	ex	ex	PRON
fsr-3378	199	101	payment	payment	NOUN
fsr-3378	199	102	habits	habit	NOUN
fsr-3378	199	103	8.0	8.0	NUM
fsr-3378	199	104	2	2	NUM
fsr-3378	199	105	0.02	0.02	NUM
fsr-3378	199	106	995	995	NUM
fsr-3378	199	107	ex	ex	NOUN
fsr-3378	199	108	credit	credit	NOUN
fsr-3378	199	109	record	record	NOUN
fsr-3378	199	110	3.5	3.5	NUM
fsr-3378	199	111	1	1	NUM
fsr-3378	199	112	0.06	0.06	NUM
fsr-3378	199	113	995	995	NUM
fsr-3378	199	114	reduced	reduce	VERB
fsr-3378	199	115	model	model	NOUN
fsr-3378	199	116	121.7	121.7	NUM
fsr-3378	199	117	6	6	NUM
fsr-3378	199	118	�	�	NOUN
fsr-3378	199	119	0.0001	0.0001	NUM
fsr-3378	199	120	995	995	NUM
fsr-3378	199	121	table	table	NOUN
fsr-3378	199	122	8	8	NUM
fsr-3378	199	123	numbers	number	NOUN
fsr-3378	199	124	and	and	CCONJ
fsr-3378	199	125	percentages	percentage	NOUN
fsr-3378	199	126	of	of	ADP
fsr-3378	199	127	cases	case	NOUN
fsr-3378	199	128	where	where	SCONJ
fsr-3378	199	129	corrections	correction	NOUN
fsr-3378	199	130	to	to	ADP
fsr-3378	199	131	file(s	file(s	VERB
fsr-3378	199	132	)	)	PUNCT
fsr-3378	199	133	resulted	result	VERB
fsr-3378	199	134	in	in	ADP
fsr-3378	199	135	fico	fico	PROPN
fsr-3378	199	136	scores(s	scores(s	NOUN
fsr-3378	199	137	)	)	PUNCT
fsr-3378	199	138	crossing	cross	VERB
fsr-3378	199	139	a	a	DET
fsr-3378	199	140	lending	lending	NOUN
fsr-3378	199	141	threshold	threshold	NOUN
fsr-3378	199	142	(	(	PUNCT
fsr-3378	199	143	589	589	NUM
fsr-3378	199	144	,	,	PUNCT
fsr-3378	199	145	619	619	NUM
fsr-3378	199	146	,	,	PUNCT
fsr-3378	199	147	659	659	NUM
fsr-3378	199	148	,	,	PUNCT
fsr-3378	199	149	689	689	NUM
fsr-3378	199	150	,	,	PUNCT
fsr-3378	199	151	or	or	CCONJ
fsr-3378	199	152	719	719	NUM
fsr-3378	199	153	points	point	NOUN
fsr-3378	199	154	)	)	PUNCT
fsr-3378	199	155	score	score	NOUN
fsr-3378	199	156	crossed	cross	VERB
fsr-3378	199	157	threshold	threshold	NOUN
fsr-3378	199	158	average	average	ADJ
fsr-3378	199	159	fico	fico	NOUN
fsr-3378	199	160	score	score	NOUN
fsr-3378	199	161	overall	overall	ADJ
fsr-3378	199	162	�	�	PROPN
fsr-3378	199	163	590	590	NUM
fsr-3378	199	164	590–679	590–679	NUM
fsr-3378	199	165	680–749	680–749	NUM
fsr-3378	199	166	750–789	750–789	NUM
fsr-3378	199	167	�	�	NOUN
fsr-3378	199	168	790	790	NUM
fsr-3378	199	169	no	no	DET
fsr-3378	199	170	number	number	NOUN
fsr-3378	199	171	75	75	NUM
fsr-3378	199	172	53	53	NUM
fsr-3378	199	173	42	42	NUM
fsr-3378	199	174	28	28	NUM
fsr-3378	199	175	11	11	NUM
fsr-3378	199	176	209	209	NUM
fsr-3378	199	177	percent	percent	NOUN
fsr-3378	199	178	91.5	91.5	NUM
fsr-3378	199	179	72.6	72.6	NUM
fsr-3378	199	180	62.7	62.7	NUM
fsr-3378	199	181	93.3	93.3	NUM
fsr-3378	199	182	100.0	100.0	NUM
fsr-3378	199	183	79.5	79.5	NUM
fsr-3378	199	184	yes	yes	NOUN
fsr-3378	199	185	number	number	NOUN
fsr-3378	199	186	7	7	NUM
fsr-3378	199	187	20	20	NUM
fsr-3378	199	188	25	25	NUM
fsr-3378	199	189	2	2	NUM
fsr-3378	199	190	—	—	PUNCT
fsr-3378	199	191	54	54	NUM
fsr-3378	199	192	percent	percent	NOUN
fsr-3378	199	193	8.5	8.5	NUM
fsr-3378	199	194	27.4	27.4	NUM
fsr-3378	199	195	37.3	37.3	NUM
fsr-3378	199	196	6.7	6.7	NUM
fsr-3378	199	197	—	—	PUNCT
fsr-3378	199	198	20.5	20.5	NUM
fsr-3378	199	199	total	total	ADJ
fsr-3378	199	200	number	number	NOUN
fsr-3378	199	201	82	82	NUM
fsr-3378	199	202	73	73	NUM
fsr-3378	199	203	67	67	NUM
fsr-3378	199	204	30	30	NUM
fsr-3378	199	205	11	11	NUM
fsr-3378	199	206	263	263	NUM
fsr-3378	199	207	percent	percent	NOUN
fsr-3378	199	208	100.0	100.0	NUM
fsr-3378	199	209	100.0	100.0	NUM
fsr-3378	199	210	100.0	100.0	NUM
fsr-3378	199	211	100.0	100.0	NUM
fsr-3378	199	212	100.0	100.0	NUM
fsr-3378	199	213	100.0	100.0	NUM
fsr-3378	199	214	15l.d	15l.d	NUM
fsr-3378	199	215	.	.	PUNCT
fsr-3378	200	1	smith	smith	PROPN
fsr-3378	200	2	et	et	PROPN
fsr-3378	200	3	al	al	PROPN
fsr-3378	200	4	.	.	PUNCT
fsr-3378	200	5	/	/	SYM
fsr-3378	200	6	financial	financial	ADJ
fsr-3378	200	7	services	service	NOUN
fsr-3378	200	8	review	review	VERB
fsr-3378	200	9	27	27	NUM
fsr-3378	200	10	(	(	PUNCT
fsr-3378	200	11	2018	2018	NUM
fsr-3378	200	12	)	)	PUNCT
fsr-3378	200	13	1	1	NUM
fsr-3378	200	14	-	-	SYM
fsr-3378	200	15	28	28	NUM
fsr-3378	200	16	by	by	ADP
fsr-3378	200	17	characteristics	characteristic	NOUN
fsr-3378	200	18	or	or	CCONJ
fsr-3378	200	19	circumstances	circumstance	NOUN
fsr-3378	200	20	of	of	ADP
fsr-3378	200	21	the	the	DET
fsr-3378	200	22	individual	individual	NOUN
fsr-3378	200	23	who	who	PRON
fsr-3378	200	24	files	file	VERB
fsr-3378	200	25	the	the	DET
fsr-3378	200	26	dispute	dispute	NOUN
fsr-3378	200	27	.	.	PUNCT
fsr-3378	201	1	the	the	DET
fsr-3378	201	2	overwhelming	overwhelming	ADJ
fsr-3378	201	3	factor	factor	NOUN
fsr-3378	201	4	is	be	AUX
fsr-3378	201	5	the	the	DET
fsr-3378	201	6	content	content	NOUN
fsr-3378	201	7	of	of	ADP
fsr-3378	201	8	the	the	DET
fsr-3378	201	9	credit	credit	NOUN
fsr-3378	201	10	record	record	NOUN
fsr-3378	201	11	itself	itself	PRON
fsr-3378	201	12	.	.	PUNCT
fsr-3378	202	1	we	we	PRON
fsr-3378	202	2	must	must	AUX
fsr-3378	202	3	acknowledge	acknowledge	VERB
fsr-3378	202	4	,	,	PUNCT
fsr-3378	202	5	however	however	ADV
fsr-3378	202	6	,	,	PUNCT
fsr-3378	202	7	that	that	SCONJ
fsr-3378	202	8	this	this	PRON
fsr-3378	202	9	presumes	presume	VERB
fsr-3378	202	10	the	the	DET
fsr-3378	202	11	individual	individual	NOUN
fsr-3378	202	12	has	have	VERB
fsr-3378	202	13	help	help	NOUN
fsr-3378	202	14	in	in	ADP
fsr-3378	202	15	clearly	clearly	ADV
fsr-3378	202	16	stating	state	VERB
fsr-3378	202	17	the	the	DET
fsr-3378	202	18	nature	nature	NOUN
fsr-3378	202	19	of	of	ADP
fsr-3378	202	20	the	the	DET
fsr-3378	202	21	alleged	allege	VERB
fsr-3378	202	22	error	error	NOUN
fsr-3378	202	23	and	and	CCONJ
fsr-3378	202	24	identifying	identify	VERB
fsr-3378	202	25	the	the	DET
fsr-3378	202	26	specific	specific	ADJ
fsr-3378	202	27	items	item	NOUN
fsr-3378	202	28	in	in	ADP
fsr-3378	202	29	the	the	DET
fsr-3378	202	30	credit	credit	NOUN
fsr-3378	202	31	report(s	report(s	NOUN
fsr-3378	202	32	)	)	PUNCT
fsr-3378	202	33	that	that	PRON
fsr-3378	202	34	should	should	AUX
fsr-3378	202	35	be	be	AUX
fsr-3378	202	36	corrected	correct	VERB
fsr-3378	202	37	(	(	PUNCT
fsr-3378	202	38	and	and	CCONJ
fsr-3378	202	39	how	how	SCONJ
fsr-3378	202	40	)	)	PUNCT
fsr-3378	202	41	.	.	PUNCT
fsr-3378	203	1	this	this	PRON
fsr-3378	203	2	was	be	AUX
fsr-3378	203	3	assured	assure	VERB
fsr-3378	203	4	in	in	ADP
fsr-3378	203	5	our	our	PRON
fsr-3378	203	6	study	study	NOUN
fsr-3378	203	7	by	by	ADP
fsr-3378	203	8	the	the	DET
fsr-3378	203	9	individuals	individual	NOUN
fsr-3378	203	10	’	'	PUNCT
fsr-3378	203	11	receiving	receive	VERB
fsr-3378	203	12	letters	letter	NOUN
fsr-3378	203	13	prepared	prepare	VERB
fsr-3378	203	14	by	by	ADP
fsr-3378	203	15	university	university	NOUN
fsr-3378	203	16	research	research	NOUN
fsr-3378	203	17	associates	associate	NOUN
fsr-3378	203	18	to	to	PART
fsr-3378	203	19	be	be	AUX
fsr-3378	203	20	completed	complete	VERB
fsr-3378	203	21	by	by	ADP
fsr-3378	203	22	them	they	PRON
fsr-3378	203	23	and	and	CCONJ
fsr-3378	203	24	mailed	mail	VERB
fsr-3378	203	25	to	to	ADP
fsr-3378	203	26	the	the	DET
fsr-3378	203	27	relevant	relevant	ADJ
fsr-3378	203	28	credit	credit	NOUN
fsr-3378	203	29	bureaus	bureaus	NOUN
fsr-3378	203	30	.	.	PUNCT
fsr-3378	204	1	in	in	ADP
fsr-3378	204	2	the	the	DET
fsr-3378	204	3	analysis	analysis	NOUN
fsr-3378	204	4	to	to	ADP
fsr-3378	204	5	this	this	DET
fsr-3378	204	6	point	point	NOUN
fsr-3378	204	7	,	,	PUNCT
fsr-3378	204	8	we	we	PRON
fsr-3378	204	9	have	have	AUX
fsr-3378	204	10	determined	determine	VERB
fsr-3378	204	11	the	the	DET
fsr-3378	204	12	extent	extent	NOUN
fsr-3378	204	13	to	to	PART
fsr-3378	204	14	which	which	PRON
fsr-3378	204	15	various	various	ADJ
fsr-3378	204	16	factors	factor	NOUN
fsr-3378	204	17	account	account	VERB
fsr-3378	204	18	for	for	ADP
fsr-3378	204	19	consumers	consumer	NOUN
fsr-3378	204	20	’	'	PUNCT
fsr-3378	204	21	experience	experience	NOUN
fsr-3378	204	22	with	with	ADP
fsr-3378	204	23	the	the	DET
fsr-3378	204	24	u.s	u.s	PROPN
fsr-3378	204	25	.	.	PROPN
fsr-3378	204	26	system	system	NOUN
fsr-3378	204	27	of	of	ADP
fsr-3378	204	28	granting	grant	VERB
fsr-3378	204	29	credit	credit	NOUN
fsr-3378	204	30	and	and	CCONJ
fsr-3378	204	31	reporting	report	VERB
fsr-3378	204	32	credit	credit	NOUN
fsr-3378	204	33	information	information	NOUN
fsr-3378	204	34	.	.	PUNCT
fsr-3378	205	1	finally	finally	ADV
fsr-3378	205	2	,	,	PUNCT
fsr-3378	205	3	we	we	PRON
fsr-3378	205	4	present	present	VERB
fsr-3378	205	5	the	the	DET
fsr-3378	205	6	parameters	parameter	NOUN
fsr-3378	205	7	for	for	ADP
fsr-3378	205	8	individual	individual	ADJ
fsr-3378	205	9	variables	variable	NOUN
fsr-3378	205	10	in	in	ADP
fsr-3378	205	11	the	the	DET
fsr-3378	205	12	regression	regression	NOUN
fsr-3378	205	13	and	and	CCONJ
fsr-3378	205	14	logistics	logistic	NOUN
fsr-3378	205	15	models	model	NOUN
fsr-3378	205	16	to	to	PART
fsr-3378	205	17	show	show	VERB
fsr-3378	205	18	their	their	PRON
fsr-3378	205	19	individual	individual	ADJ
fsr-3378	205	20	statistical	statistical	ADJ
fsr-3378	205	21	significance	significance	NOUN
fsr-3378	205	22	and	and	CCONJ
fsr-3378	205	23	magnitudes	magnitude	NOUN
fsr-3378	205	24	of	of	ADP
fsr-3378	205	25	their	their	PRON
fsr-3378	205	26	marginal	marginal	ADJ
fsr-3378	205	27	impact	impact	NOUN
fsr-3378	205	28	.	.	PUNCT
fsr-3378	206	1	to	to	PART
fsr-3378	206	2	facilitate	facilitate	VERB
fsr-3378	206	3	the	the	DET
fsr-3378	206	4	interpretation	interpretation	NOUN
fsr-3378	206	5	of	of	ADP
fsr-3378	206	6	the	the	DET
fsr-3378	206	7	logistic	logistic	ADJ
fsr-3378	206	8	models	model	NOUN
fsr-3378	206	9	,	,	PUNCT
fsr-3378	206	10	instead	instead	ADV
fsr-3378	206	11	of	of	ADP
fsr-3378	206	12	giving	give	VERB
fsr-3378	206	13	the	the	DET
fsr-3378	206	14	logit	logit	NOUN
fsr-3378	206	15	coefficients	coefficient	NOUN
fsr-3378	206	16	,	,	PUNCT
fsr-3378	206	17	we	we	PRON
fsr-3378	206	18	indicate	indicate	VERB
fsr-3378	206	19	the	the	DET
fsr-3378	206	20	impact	impact	NOUN
fsr-3378	206	21	of	of	ADP
fsr-3378	206	22	unit	unit	NOUN
fsr-3378	206	23	changes	change	NOUN
fsr-3378	206	24	in	in	ADP
fsr-3378	206	25	the	the	DET
fsr-3378	206	26	respective	respective	ADJ
fsr-3378	206	27	explanatory	explanatory	ADJ
fsr-3378	206	28	variables	variable	NOUN
fsr-3378	206	29	upon	upon	SCONJ
fsr-3378	206	30	the	the	DET
fsr-3378	206	31	corresponding	correspond	VERB
fsr-3378	206	32	odds	odd	NOUN
fsr-3378	206	33	ratios	ratio	NOUN
fsr-3378	206	34	for	for	ADP
fsr-3378	206	35	the	the	DET
fsr-3378	206	36	respective	respective	ADJ
fsr-3378	206	37	binary	binary	ADJ
fsr-3378	206	38	outcomes.6	outcomes.6	PROPN
fsr-3378	206	39	table	table	NOUN
fsr-3378	206	40	11	11	NUM
fsr-3378	206	41	contains	contain	VERB
fsr-3378	206	42	parameters	parameter	NOUN
fsr-3378	206	43	(	(	PUNCT
fsr-3378	206	44	coefficients	coefficient	NOUN
fsr-3378	206	45	)	)	PUNCT
fsr-3378	206	46	for	for	ADP
fsr-3378	206	47	the	the	DET
fsr-3378	206	48	three	three	NUM
fsr-3378	206	49	“	"	PUNCT
fsr-3378	206	50	full	full	ADJ
fsr-3378	206	51	”	"	PUNCT
fsr-3378	206	52	regression	regression	NOUN
fsr-3378	206	53	models	model	NOUN
fsr-3378	206	54	and	and	CCONJ
fsr-3378	206	55	the	the	DET
fsr-3378	206	56	“	"	PUNCT
fsr-3378	206	57	odds	odd	NOUN
fsr-3378	206	58	ratio	ratio	NOUN
fsr-3378	206	59	”	"	PUNCT
fsr-3378	206	60	effects	effect	NOUN
fsr-3378	206	61	for	for	ADP
fsr-3378	206	62	variables	variable	NOUN
fsr-3378	206	63	in	in	ADP
fsr-3378	206	64	the	the	DET
fsr-3378	206	65	five	five	NUM
fsr-3378	206	66	“	"	PUNCT
fsr-3378	206	67	full	full	ADJ
fsr-3378	206	68	”	"	PUNCT
fsr-3378	206	69	logistic	logistic	ADJ
fsr-3378	206	70	models	model	NOUN
fsr-3378	206	71	.	.	PUNCT
fsr-3378	207	1	table	table	NOUN
fsr-3378	207	2	12	12	NUM
fsr-3378	207	3	contains	contain	VERB
fsr-3378	207	4	the	the	DET
fsr-3378	207	5	coefficients	coefficient	NOUN
fsr-3378	207	6	for	for	ADP
fsr-3378	207	7	the	the	DET
fsr-3378	207	8	eight	eight	NUM
fsr-3378	207	9	“	"	PUNCT
fsr-3378	207	10	reduced	reduce	VERB
fsr-3378	207	11	models	model	NOUN
fsr-3378	207	12	”	"	PUNCT
fsr-3378	207	13	that	that	PRON
fsr-3378	207	14	were	be	AUX
fsr-3378	207	15	produced	produce	VERB
fsr-3378	207	16	by	by	ADP
fsr-3378	207	17	stepwise	stepwise	PROPN
fsr-3378	207	18	backward	backward	ADJ
fsr-3378	207	19	elimination	elimination	NOUN
fsr-3378	207	20	of	of	ADP
fsr-3378	207	21	variables	variable	NOUN
fsr-3378	207	22	(	(	PUNCT
fsr-3378	207	23	one	one	NUM
fsr-3378	207	24	at	at	ADP
fsr-3378	207	25	a	a	DET
fsr-3378	207	26	time	time	NOUN
fsr-3378	207	27	)	)	PUNCT
fsr-3378	207	28	that	that	PRON
fsr-3378	207	29	did	do	AUX
fsr-3378	207	30	not	not	PART
fsr-3378	207	31	meet	meet	VERB
fsr-3378	207	32	a	a	DET
fsr-3378	207	33	0.1	0.1	NUM
fsr-3378	207	34	level	level	NOUN
fsr-3378	207	35	of	of	ADP
fsr-3378	207	36	statistical	statistical	ADJ
fsr-3378	207	37	significance	significance	NOUN
fsr-3378	207	38	(	(	PUNCT
fsr-3378	207	39	i.e.	i.e.	X
fsr-3378	207	40	,	,	PUNCT
fsr-3378	207	41	0.05	0.05	NUM
fsr-3378	207	42	level	level	NOUN
fsr-3378	207	43	for	for	ADP
fsr-3378	207	44	a	a	DET
fsr-3378	207	45	one	one	NUM
fsr-3378	207	46	-	-	PUNCT
fsr-3378	207	47	tailed	tail	VERB
fsr-3378	207	48	test	test	NOUN
fsr-3378	207	49	)	)	PUNCT
fsr-3378	207	50	at	at	ADP
fsr-3378	207	51	each	each	DET
fsr-3378	207	52	stage	stage	NOUN
fsr-3378	207	53	.	.	PUNCT
fsr-3378	208	1	considering	consider	VERB
fsr-3378	208	2	the	the	DET
fsr-3378	208	3	reduced	reduced	ADJ
fsr-3378	208	4	model	model	NOUN
fsr-3378	208	5	in	in	ADP
fsr-3378	208	6	the	the	DET
fsr-3378	208	7	last	last	ADJ
fsr-3378	208	8	column	column	NOUN
fsr-3378	208	9	of	of	ADP
fsr-3378	208	10	table	table	NOUN
fsr-3378	208	11	12	12	NUM
fsr-3378	208	12	,	,	PUNCT
fsr-3378	208	13	for	for	ADP
fsr-3378	208	14	example	example	NOUN
fsr-3378	208	15	,	,	PUNCT
fsr-3378	208	16	the	the	DET
fsr-3378	208	17	odds	odd	NOUN
fsr-3378	208	18	of	of	ADP
fsr-3378	208	19	a	a	DET
fsr-3378	208	20	having	have	VERB
fsr-3378	208	21	a	a	DET
fsr-3378	208	22	credit	credit	NOUN
fsr-3378	208	23	score	score	NOUN
fsr-3378	208	24	cross	cross	VERB
fsr-3378	208	25	a	a	DET
fsr-3378	208	26	lending	lending	NOUN
fsr-3378	208	27	threshold(the	threshold(the	DET
fsr-3378	208	28	probability	probability	NOUN
fsr-3378	208	29	of	of	ADP
fsr-3378	208	30	crossing	cross	VERB
fsr-3378	208	31	a	a	DET
fsr-3378	208	32	threshold	threshold	NOUN
fsr-3378	208	33	divided	divide	VERB
fsr-3378	208	34	by	by	ADP
fsr-3378	208	35	the	the	DET
fsr-3378	208	36	probability	probability	NOUN
fsr-3378	208	37	of	of	ADP
fsr-3378	208	38	not	not	PART
fsr-3378	208	39	crossing	cross	VERB
fsr-3378	208	40	a	a	DET
fsr-3378	208	41	threshold	threshold	NOUN
fsr-3378	208	42	)	)	PUNCT
fsr-3378	208	43	are	be	AUX
fsr-3378	208	44	estimated	estimate	VERB
fsr-3378	208	45	to	to	PART
fsr-3378	208	46	be	be	AUX
fsr-3378	208	47	table	table	NOUN
fsr-3378	208	48	9	9	NUM
fsr-3378	208	49	significance	significance	NOUN
fsr-3378	208	50	tests	test	NOUN
fsr-3378	208	51	on	on	ADP
fsr-3378	208	52	logistics	logistic	NOUN
fsr-3378	208	53	models	model	NOUN
fsr-3378	208	54	for	for	ADP
fsr-3378	208	55	the	the	DET
fsr-3378	208	56	likelihood	likelihood	NOUN
fsr-3378	208	57	that	that	SCONJ
fsr-3378	208	58	one	one	NUM
fsr-3378	208	59	or	or	CCONJ
fsr-3378	208	60	more	more	ADJ
fsr-3378	208	61	credit	credit	NOUN
fsr-3378	208	62	scores	score	NOUN
fsr-3378	208	63	will	will	AUX
fsr-3378	208	64	increase	increase	VERB
fsr-3378	208	65	10	10	NUM
fsr-3378	208	66	�	�	PROPN
fsr-3378	208	67	points	point	NOUN
fsr-3378	208	68	because	because	SCONJ
fsr-3378	208	69	of	of	ADP
fsr-3378	208	70	correction(s	correction(s	NOUN
fsr-3378	208	71	)	)	PUNCT
fsr-3378	208	72	of	of	ADP
fsr-3378	208	73	potentially	potentially	ADV
fsr-3378	208	74	material	material	PROPN
fsr-3378	208	75	error(s	error(s	PROPN
fsr-3378	208	76	)	)	PUNCT
fsr-3378	208	77	factors	factor	NOUN
fsr-3378	208	78	included	include	VERB
fsr-3378	208	79	�	�	PROPN
fsr-3378	208	80	2	2	NUM
fsr-3378	208	81	df	df	PROPN
fsr-3378	208	82	p	p	ADJ
fsr-3378	208	83	-	-	PUNCT
fsr-3378	208	84	value	value	NOUN
fsr-3378	208	85	sample	sample	NOUN
fsr-3378	208	86	size	size	NOUN
fsr-3378	208	87	full	full	ADJ
fsr-3378	208	88	model	model	NOUN
fsr-3378	208	89	21.6	21.6	NUM
fsr-3378	208	90	29	29	NUM
fsr-3378	208	91	0.84	0.84	NUM
fsr-3378	208	92	262	262	NUM
fsr-3378	208	93	ex	ex	PRON
fsr-3378	208	94	adverse	adverse	ADJ
fsr-3378	208	95	events	event	NOUN
fsr-3378	208	96	3.56	3.56	NUM
fsr-3378	208	97	5	5	NUM
fsr-3378	208	98	0.61	0.61	NUM
fsr-3378	208	99	262	262	NUM
fsr-3378	208	100	ex	ex	PRON
fsr-3378	208	101	demographic	demographic	ADJ
fsr-3378	208	102	3.34	3.34	NUM
fsr-3378	208	103	6	6	NUM
fsr-3378	208	104	0.77	0.77	NUM
fsr-3378	208	105	262	262	NUM
fsr-3378	208	106	ex	ex	NOUN
fsr-3378	208	107	resources	resource	NOUN
fsr-3378	208	108	4.92	4.92	NUM
fsr-3378	208	109	6	6	NUM
fsr-3378	208	110	0.55	0.55	NUM
fsr-3378	208	111	262	262	NUM
fsr-3378	208	112	ex	ex	PRON
fsr-3378	208	113	household	household	NOUN
fsr-3378	208	114	char	char	NOUN
fsr-3378	208	115	5.76	5.76	NUM
fsr-3378	208	116	6	6	NUM
fsr-3378	208	117	0.45	0.45	NUM
fsr-3378	208	118	262	262	NUM
fsr-3378	208	119	ex	ex	X
fsr-3378	208	120	payment	payment	NOUN
fsr-3378	208	121	habits	habit	NOUN
fsr-3378	208	122	2.87	2.87	NUM
fsr-3378	208	123	2	2	NUM
fsr-3378	208	124	0.24	0.24	NUM
fsr-3378	208	125	262	262	NUM
fsr-3378	208	126	ex	ex	NOUN
fsr-3378	208	127	credit	credit	NOUN
fsr-3378	208	128	record	record	NOUN
fsr-3378	208	129	3.36	3.36	NUM
fsr-3378	208	130	4	4	NUM
fsr-3378	208	131	0.50	0.50	NUM
fsr-3378	208	132	262	262	NUM
fsr-3378	208	133	reduced	reduce	VERB
fsr-3378	208	134	model	model	NOUN
fsr-3378	208	135	4.2	4.2	NUM
fsr-3378	208	136	1	1	NUM
fsr-3378	208	137	0.01	0.01	NUM
fsr-3378	208	138	262	262	NUM
fsr-3378	208	139	table	table	NOUN
fsr-3378	208	140	10	10	NUM
fsr-3378	208	141	significance	significance	NOUN
fsr-3378	208	142	tests	test	NOUN
fsr-3378	208	143	on	on	ADP
fsr-3378	208	144	logistics	logistic	NOUN
fsr-3378	208	145	models	model	NOUN
fsr-3378	208	146	for	for	ADP
fsr-3378	208	147	the	the	DET
fsr-3378	208	148	likelihood	likelihood	NOUN
fsr-3378	208	149	that	that	SCONJ
fsr-3378	208	150	one	one	NUM
fsr-3378	208	151	or	or	CCONJ
fsr-3378	208	152	more	more	ADJ
fsr-3378	208	153	credit	credit	NOUN
fsr-3378	208	154	scores	score	NOUN
fsr-3378	208	155	will	will	AUX
fsr-3378	208	156	cross	cross	VERB
fsr-3378	208	157	a	a	DET
fsr-3378	208	158	lending	lending	NOUN
fsr-3378	208	159	threshold	threshold	NOUN
fsr-3378	208	160	because	because	SCONJ
fsr-3378	208	161	of	of	ADP
fsr-3378	208	162	correction(s	correction(s	NOUN
fsr-3378	208	163	)	)	PUNCT
fsr-3378	208	164	of	of	ADP
fsr-3378	208	165	potentially	potentially	ADV
fsr-3378	208	166	material	material	PROPN
fsr-3378	208	167	error(s	error(s	PROPN
fsr-3378	208	168	)	)	PUNCT
fsr-3378	208	169	factors	factor	NOUN
fsr-3378	208	170	included	include	VERB
fsr-3378	208	171	�	�	PROPN
fsr-3378	208	172	2	2	NUM
fsr-3378	208	173	df	df	PROPN
fsr-3378	208	174	p	p	ADJ
fsr-3378	208	175	-	-	PUNCT
fsr-3378	208	176	value	value	NOUN
fsr-3378	208	177	sample	sample	NOUN
fsr-3378	208	178	size	size	NOUN
fsr-3378	208	179	full	full	ADJ
fsr-3378	208	180	model	model	NOUN
fsr-3378	208	181	35.7	35.7	NUM
fsr-3378	208	182	29	29	NUM
fsr-3378	208	183	0.18	0.18	NUM
fsr-3378	208	184	262	262	NUM
fsr-3378	208	185	ex	ex	PRON
fsr-3378	208	186	adverse	adverse	ADJ
fsr-3378	208	187	events	event	NOUN
fsr-3378	208	188	5.54	5.54	NUM
fsr-3378	208	189	5	5	NUM
fsr-3378	208	190	0.35	0.35	NUM
fsr-3378	208	191	262	262	NUM
fsr-3378	208	192	ex	ex	PRON
fsr-3378	208	193	demographic	demographic	ADJ
fsr-3378	208	194	4.33	4.33	NUM
fsr-3378	208	195	6	6	NUM
fsr-3378	208	196	0.63	0.63	NUM
fsr-3378	208	197	262	262	NUM
fsr-3378	208	198	ex	ex	X
fsr-3378	208	199	resources	resource	NOUN
fsr-3378	208	200	8.73	8.73	NUM
fsr-3378	208	201	6	6	NUM
fsr-3378	208	202	0.19	0.19	NUM
fsr-3378	208	203	262	262	NUM
fsr-3378	208	204	ex	ex	PRON
fsr-3378	208	205	household	household	NOUN
fsr-3378	208	206	char	char	NOUN
fsr-3378	208	207	7.73	7.73	NUM
fsr-3378	208	208	6	6	NUM
fsr-3378	208	209	0.26	0.26	NUM
fsr-3378	208	210	262	262	NUM
fsr-3378	208	211	ex	ex	X
fsr-3378	208	212	payment	payment	NOUN
fsr-3378	208	213	habits	habit	NOUN
fsr-3378	208	214	0.11	0.11	NUM
fsr-3378	208	215	2	2	NUM
fsr-3378	208	216	0.94	0.94	NUM
fsr-3378	208	217	262	262	NUM
fsr-3378	208	218	ex	ex	X
fsr-3378	208	219	credit	credit	NOUN
fsr-3378	208	220	record	record	NOUN
fsr-3378	208	221	19.53	19.53	NUM
fsr-3378	208	222	4	4	NUM
fsr-3378	208	223	0.0006	0.0006	NUM
fsr-3378	208	224	262	262	NUM
fsr-3378	208	225	reduced	reduce	VERB
fsr-3378	208	226	model	model	NOUN
fsr-3378	209	1	10.9	10.9	NUM
fsr-3378	209	2	3	3	NUM
fsr-3378	209	3	0.01	0.01	NUM
fsr-3378	209	4	262	262	NUM
fsr-3378	209	5	16	16	NUM
fsr-3378	209	6	l.d	l.d	PROPN
fsr-3378	209	7	.	.	PROPN
fsr-3378	209	8	smith	smith	PROPN
fsr-3378	209	9	et	et	PROPN
fsr-3378	209	10	al	al	PROPN
fsr-3378	209	11	.	.	PUNCT
fsr-3378	209	12	/	/	SYM
fsr-3378	209	13	financial	financial	ADJ
fsr-3378	209	14	services	service	NOUN
fsr-3378	209	15	review	review	VERB
fsr-3378	209	16	27	27	NUM
fsr-3378	209	17	(	(	PUNCT
fsr-3378	209	18	2018	2018	NUM
fsr-3378	209	19	)	)	PUNCT
fsr-3378	210	1	1	1	NUM
fsr-3378	210	2	-	-	SYM
fsr-3378	210	3	28	28	NUM
fsr-3378	210	4	t	t	PROPN
fsr-3378	210	5	ab	ab	PROPN
fsr-3378	210	6	le	le	X
fsr-3378	210	7	11	11	NUM
fsr-3378	210	8	r	r	NOUN
fsr-3378	210	9	eg	eg	NOUN
fsr-3378	210	10	re	re	NOUN
fsr-3378	210	11	ss	ss	PROPN
fsr-3378	210	12	io	io	PROPN
fsr-3378	210	13	n	n	PROPN
fsr-3378	210	14	co	co	ADJ
fsr-3378	210	15	ef	ef	PROPN
fsr-3378	210	16	fic	fic	PROPN
fsr-3378	210	17	ie	ie	PROPN
fsr-3378	210	18	nt	not	PART
fsr-3378	210	19	s	s	VERB
fsr-3378	210	20	an	an	PRON
fsr-3378	210	21	d	d	X
fsr-3378	210	22	od	od	NOUN
fsr-3378	210	23	ds	ds	PROPN
fsr-3378	210	24	ra	ra	PROPN
fsr-3378	210	25	tio	tio	PROPN
fsr-3378	210	26	ef	ef	X
fsr-3378	210	27	fe	fe	X
fsr-3378	210	28	ct	ct	NOUN
fsr-3378	210	29	s	s	PROPN
fsr-3378	211	1	fo	fo	INTJ
fsr-3378	211	2	r	r	NOUN
fsr-3378	211	3	th	th	X
fsr-3378	211	4	e	e	NOUN
fsr-3378	211	5	“	"	PUNCT
fsr-3378	211	6	f	f	PROPN
fsr-3378	211	7	ul	ul	INTJ
fsr-3378	211	8	l	l	NOUN
fsr-3378	211	9	m	m	VERB
fsr-3378	211	10	od	od	PROPN
fsr-3378	211	11	el	el	PROPN
fsr-3378	211	12	s	s	PROPN
fsr-3378	211	13	”	"	PUNCT
fsr-3378	211	14	v	v	PROPN
fsr-3378	211	15	ar	ar	PROPN
fsr-3378	211	16	ia	ia	PROPN
fsr-3378	211	17	bl	bl	PROPN
fsr-3378	211	18	e	e	PROPN
fsr-3378	211	19	c	c	X
fsr-3378	211	20	re	re	ADP
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fsr-3378	211	31	t	t	PROPN
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fsr-3378	211	36	c	c	NOUN
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fsr-3378	211	45	in	in	ADP
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fsr-3378	211	49	(	(	PUNCT
fsr-3378	211	50	t	t	PROPN
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fsr-3378	211	52	le	le	PROPN
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fsr-3378	211	54	)	)	PUNCT
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fsr-3378	211	67	t	t	PROPN
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fsr-3378	211	71	)	)	PUNCT
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fsr-3378	211	85	t	t	PROPN
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fsr-3378	211	88	5	5	NUM
fsr-3378	211	89	)	)	PUNCT
fsr-3378	211	90	a	a	DET
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fsr-3378	213	5	t	t	PROPN
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fsr-3378	213	24	t	t	PROPN
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fsr-3378	213	46	t	t	PROPN
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fsr-3378	213	49	9	9	X
fsr-3378	213	50	)	)	PUNCT
fsr-3378	213	51	sc	sc	NOUN
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fsr-3378	213	53	e	e	NOUN
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fsr-3378	214	14	t	t	PROPN
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fsr-3378	217	9	.	.	PUNCT
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fsr-3378	306	12	.	.	PUNCT
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fsr-3378	307	3	*	*	PUNCT
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fsr-3378	308	2	.	.	NOUN
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fsr-3378	308	5	.	.	NUM
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fsr-3378	308	7	0	0	NUM
fsr-3378	308	8	.	.	PUNCT
fsr-3378	309	1	62	62	NUM
fsr-3378	309	2	*	*	PUNCT
fsr-3378	309	3	*	*	PUNCT
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fsr-3378	309	8	*	*	PUNCT
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fsr-3378	309	15	.	.	PUNCT
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fsr-3378	310	2	0	0	NUM
fsr-3378	310	3	.	.	X
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fsr-3378	310	9	ith	ith	NOUN
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fsr-3378	310	13	er	er	INTJ
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fsr-3378	310	15	0	0	NUM
fsr-3378	310	16	.	.	PROPN
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fsr-3378	310	20	.	.	PUNCT
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fsr-3378	311	3	.	.	PUNCT
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fsr-3378	311	6	.	.	PUNCT
fsr-3378	312	1	01	01	NUM
fsr-3378	312	2	0	0	NUM
fsr-3378	312	3	.	.	PUNCT
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fsr-3378	313	3	.	.	PUNCT
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fsr-3378	314	3	.	.	PUNCT
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fsr-3378	315	3	.	.	X
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fsr-3378	315	5	h	h	NOUN
fsr-3378	315	6	ou	ou	X
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fsr-3378	315	13	.	.	PUNCT
fsr-3378	316	1	57	57	NUM
fsr-3378	316	2	*	*	PUNCT
fsr-3378	316	3	*	*	PUNCT
fsr-3378	316	4	*	*	PUNCT
fsr-3378	316	5	�	�	PROPN
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fsr-3378	316	7	.	.	PROPN
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fsr-3378	316	10	.	.	PUNCT
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fsr-3378	317	2	0	0	NUM
fsr-3378	317	3	.	.	PUNCT
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fsr-3378	319	1	*	*	PUNCT
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fsr-3378	319	3	*	*	PUNCT
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fsr-3378	319	6	.	.	PUNCT
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fsr-3378	319	8	*	*	NUM
fsr-3378	319	9	0	0	NUM
fsr-3378	319	10	.	.	X
fsr-3378	320	1	81	81	NUM
fsr-3378	320	2	*	*	SYM
fsr-3378	320	3	1	1	NUM
fsr-3378	320	4	.	.	NOUN
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fsr-3378	320	7	.	.	PUNCT
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fsr-3378	321	2	*	*	PUNCT
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fsr-3378	321	17	.	.	PUNCT
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fsr-3378	322	3	.	.	PUNCT
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fsr-3378	323	2	*	*	PUNCT
fsr-3378	323	3	*	*	PUNCT
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fsr-3378	323	5	.	.	SYM
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fsr-3378	323	9	.	.	NOUN
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fsr-3378	323	12	.	.	PUNCT
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fsr-3378	323	18	.	.	PUNCT
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fsr-3378	327	5	.	.	PUNCT
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fsr-3378	327	23	*	*	PUNCT
fsr-3378	327	24	0	0	NUM
fsr-3378	327	25	.	.	X
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fsr-3378	328	1	*	*	SYM
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fsr-3378	328	3	.	.	X
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fsr-3378	329	2	*	*	NOUN
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fsr-3378	329	15	e	e	NOUN
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fsr-3378	329	17	.	.	PUNCT
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fsr-3378	331	1	*	*	PUNCT
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fsr-3378	331	6	a	a	DET
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fsr-3378	331	12	e	e	NOUN
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fsr-3378	331	19	.	.	PUNCT
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fsr-3378	332	18	.	.	PUNCT
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fsr-3378	333	3	.	.	PUNCT
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fsr-3378	335	7	e	e	NOUN
fsr-3378	335	8	q	q	PROPN
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fsr-3378	336	5	.	.	PUNCT
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fsr-3378	337	3	.	.	PUNCT
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fsr-3378	338	1	*	*	PUNCT
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fsr-3378	338	4	a	a	DET
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fsr-3378	338	10	e	e	NOUN
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fsr-3378	338	17	.	.	PUNCT
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fsr-3378	339	11	at	at	ADP
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fsr-3378	339	13	.	.	NOUN
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fsr-3378	339	68	.	.	PUNCT
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fsr-3378	340	2	.	.	PUNCT
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fsr-3378	344	48	t	t	PROPN
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fsr-3378	382	39	ge	ge	PROPN
fsr-3378	382	40	nc	nc	PROPN
fsr-3378	382	41	y	y	PROPN
fsr-3378	382	42	fu	fu	PROPN
fsr-3378	382	43	nd	nd	PROPN
fsr-3378	382	44	s	s	NOUN
fsr-3378	382	45	�	�	PROPN
fsr-3378	382	46	9	9	NUM
fsr-3378	382	47	.	.	PUNCT
fsr-3378	382	48	52	52	NUM
fsr-3378	383	1	*	*	PUNCT
fsr-3378	383	2	*	*	PUNCT
fsr-3378	383	3	*	*	PUNCT
fsr-3378	383	4	2	2	NUM
fsr-3378	383	5	.	.	X
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fsr-3378	385	1	*	*	PUNCT
fsr-3378	385	2	*	*	PUNCT
fsr-3378	385	3	*	*	PUNCT
fsr-3378	385	4	2	2	NUM
fsr-3378	385	5	.	.	X
fsr-3378	386	1	56	56	NUM
fsr-3378	386	2	*	*	PUNCT
fsr-3378	386	3	*	*	PUNCT
fsr-3378	386	4	*	*	PUNCT
fsr-3378	386	5	30	30	NUM
fsr-3378	386	6	.7	.7	NUM
fsr-3378	386	7	1	1	NUM
fsr-3378	386	8	*	*	PUNCT
fsr-3378	386	9	*	*	PUNCT
fsr-3378	386	10	*	*	PUNCT
fsr-3378	386	11	o	o	X
fsr-3378	386	12	th	th	X
fsr-3378	386	13	er	er	INTJ
fsr-3378	386	14	re	re	X
fsr-3378	386	15	tir	tir	VERB
fsr-3378	386	16	em	em	PRON
fsr-3378	386	17	en	en	PROPN
fsr-3378	386	18	t	t	PROPN
fsr-3378	386	19	�	�	PROPN
fsr-3378	386	20	11	11	NUM
fsr-3378	386	21	.5	.5	NUM
fsr-3378	386	22	0	0	PUNCT
fsr-3378	386	23	*	*	PUNCT
fsr-3378	386	24	*	*	PUNCT
fsr-3378	386	25	*	*	PUNCT
fsr-3378	386	26	�	�	PROPN
fsr-3378	386	27	2	2	NUM
fsr-3378	386	28	.	.	PUNCT
fsr-3378	386	29	38	38	NUM
fsr-3378	387	1	*	*	PUNCT
fsr-3378	387	2	*	*	NOUN
fsr-3378	388	1	1	1	NUM
fsr-3378	388	2	.	.	NUM
fsr-3378	388	3	89	89	NUM
fsr-3378	389	1	*	*	PUNCT
fsr-3378	389	2	*	*	PUNCT
fsr-3378	389	3	*	*	PUNCT
fsr-3378	389	4	1	1	NUM
fsr-3378	389	5	.	.	X
fsr-3378	390	1	92	92	NUM
fsr-3378	390	2	*	*	PUNCT
fsr-3378	390	3	*	*	PUNCT
fsr-3378	390	4	*	*	PUNCT
fsr-3378	390	5	29	29	NUM
fsr-3378	391	1	.2	.2	NUM
fsr-3378	391	2	0	0	NUM
fsr-3378	391	3	*	*	PUNCT
fsr-3378	392	1	*	*	PUNCT
fsr-3378	392	2	*	*	PUNCT
fsr-3378	393	1	1	1	NUM
fsr-3378	393	2	.	.	X
fsr-3378	393	3	96	96	NUM
fsr-3378	394	1	*	*	PUNCT
fsr-3378	394	2	*	*	PUNCT
fsr-3378	394	3	h	h	NOUN
fsr-3378	395	1	om	om	INTJ
fsr-3378	395	2	eo	eo	INTJ
fsr-3378	395	3	w	w	PROPN
fsr-3378	395	4	ne	ne	PROPN
fsr-3378	395	5	r	r	X
fsr-3378	395	6	�	�	PROPN
fsr-3378	395	7	8	8	NUM
fsr-3378	395	8	.	.	PUNCT
fsr-3378	395	9	26	26	NUM
fsr-3378	396	1	*	*	PUNCT
fsr-3378	396	2	*	*	PUNCT
fsr-3378	396	3	*	*	PUNCT
fsr-3378	396	4	1	1	NUM
fsr-3378	396	5	.	.	X
fsr-3378	397	1	54	54	NUM
fsr-3378	397	2	*	*	PUNCT
fsr-3378	397	3	*	*	PUNCT
fsr-3378	398	1	1	1	NUM
fsr-3378	398	2	.	.	X
fsr-3378	399	1	65	65	NUM
fsr-3378	399	2	*	*	PUNCT
fsr-3378	399	3	*	*	PUNCT
fsr-3378	400	1	*	*	PUNCT
fsr-3378	400	2	17	17	NUM
fsr-3378	400	3	.7	.7	NUM
fsr-3378	400	4	6	6	NUM
fsr-3378	400	5	*	*	PUNCT
fsr-3378	400	6	*	*	PUNCT
fsr-3378	400	7	*	*	PUNCT
fsr-3378	400	8	m	m	PROPN
fsr-3378	400	9	ar	ar	PROPN
fsr-3378	400	10	ri	ri	PROPN
fsr-3378	400	11	ed	ed	PROPN
fsr-3378	400	12	�	�	PROPN
fsr-3378	400	13	6	6	NUM
fsr-3378	400	14	.	.	PUNCT
fsr-3378	400	15	55	55	NUM
fsr-3378	400	16	*	*	PUNCT
fsr-3378	400	17	*	*	PUNCT
fsr-3378	400	18	�	�	PROPN
fsr-3378	400	19	2	2	NUM
fsr-3378	400	20	.	.	NUM
fsr-3378	400	21	97	97	NUM
fsr-3378	401	1	*	*	PUNCT
fsr-3378	401	2	*	*	PROPN
fsr-3378	402	1	1	1	NUM
fsr-3378	402	2	.	.	NOUN
fsr-3378	403	1	61	61	NUM
fsr-3378	403	2	*	*	NOUN
fsr-3378	403	3	*	*	NOUN
fsr-3378	403	4	1	1	NUM
fsr-3378	403	5	.	.	PUNCT
fsr-3378	404	1	47	47	NUM
fsr-3378	404	2	*	*	PUNCT
fsr-3378	404	3	*	*	PUNCT
fsr-3378	404	4	11	11	NUM
fsr-3378	404	5	.4	.4	NUM
fsr-3378	404	6	2	2	NUM
fsr-3378	404	7	*	*	PUNCT
fsr-3378	404	8	*	*	PUNCT
fsr-3378	404	9	e	e	X
fsr-3378	404	10	m	m	VERB
fsr-3378	404	11	pl	pl	PROPN
fsr-3378	404	12	oy	oy	NUM
fsr-3378	404	13	ed	ed	NOUN
fsr-3378	404	14	fu	fu	NOUN
fsr-3378	405	1	llt	llt	NOUN
fsr-3378	405	2	i	i	NOUN
fsr-3378	405	3	m	m	VERB
fsr-3378	405	4	e	e	NOUN
fsr-3378	405	5	4	4	NUM
fsr-3378	405	6	.	.	PUNCT
fsr-3378	405	7	05	05	NUM
fsr-3378	406	1	*	*	NOUN
fsr-3378	406	2	0	0	NUM
fsr-3378	406	3	.	.	X
fsr-3378	407	1	70	70	NUM
fsr-3378	407	2	*	*	PUNCT
fsr-3378	407	3	*	*	PUNCT
fsr-3378	407	4	�	�	PROPN
fsr-3378	407	5	22	22	NUM
fsr-3378	407	6	.8	.8	NUM
fsr-3378	407	7	9	9	NUM
fsr-3378	407	8	*	*	PUNCT
fsr-3378	407	9	*	*	PUNCT
fsr-3378	407	10	*	*	PUNCT
fsr-3378	407	11	y	y	NOUN
fsr-3378	407	12	ea	ea	INTJ
fsr-3378	407	13	rs	rs	PROPN
fsr-3378	408	1	w	w	INTJ
fsr-3378	408	2	ith	ith	NOUN
fsr-3378	408	3	em	em	PRON
fsr-3378	408	4	pl	pl	INTJ
fsr-3378	408	5	oy	oy	X
fsr-3378	408	6	er	er	INTJ
fsr-3378	408	7	0	0	NUM
fsr-3378	408	8	.	.	PROPN
fsr-3378	409	1	54	54	NUM
fsr-3378	409	2	*	*	PUNCT
fsr-3378	409	3	h	h	NOUN
fsr-3378	409	4	ou	ou	X
fsr-3378	409	5	se	se	PROPN
fsr-3378	409	6	ho	ho	PROPN
fsr-3378	409	7	ld	ld	PROPN
fsr-3378	409	8	si	si	PROPN
fsr-3378	409	9	ze	ze	PROPN
fsr-3378	409	10	3	3	NUM
fsr-3378	409	11	.	.	PROPN
fsr-3378	409	12	03	03	NUM
fsr-3378	410	1	*	*	PUNCT
fsr-3378	411	1	*	*	PUNCT
fsr-3378	411	2	*	*	PUNCT
fsr-3378	412	1	0	0	NUM
fsr-3378	412	2	.	.	X
fsr-3378	413	1	81	81	NUM
fsr-3378	413	2	*	*	PUNCT
fsr-3378	413	3	*	*	PUNCT
fsr-3378	413	4	*	*	PUNCT
fsr-3378	413	5	�	�	PROPN
fsr-3378	413	6	5	5	NUM
fsr-3378	413	7	.	.	NOUN
fsr-3378	413	8	90	90	NUM
fsr-3378	414	1	*	*	PUNCT
fsr-3378	414	2	*	*	PUNCT
fsr-3378	415	1	*	*	PUNCT
fsr-3378	415	2	0	0	NUM
fsr-3378	415	3	.	.	NUM
fsr-3378	415	4	89	89	NUM
fsr-3378	416	1	*	*	PUNCT
fsr-3378	416	2	*	*	PUNCT
fsr-3378	416	3	k	k	X
fsr-3378	416	4	i	i	PROPN
fsr-3378	416	5	d	d	PROPN
fsr-3378	416	6	s	s	PROPN
fsr-3378	416	7	un	un	PROPN
fsr-3378	416	8	de	de	PROPN
fsr-3378	416	9	r	r	PROPN
fsr-3378	416	10	18	18	NUM
fsr-3378	416	11	0	0	NUM
fsr-3378	416	12	.	.	PUNCT
fsr-3378	417	1	73	73	NUM
fsr-3378	418	1	*	*	PUNCT
fsr-3378	418	2	*	*	PUNCT
fsr-3378	418	3	*	*	PUNCT
fsr-3378	418	4	pa	pa	PROPN
fsr-3378	418	5	ys	ys	PROPN
fsr-3378	418	6	�	�	PROPN
fsr-3378	418	7	m	m	VERB
fsr-3378	418	8	in	in	ADP
fsr-3378	418	9	ba	ba	PROPN
fsr-3378	418	10	la	la	PROPN
fsr-3378	418	11	nc	nc	PROPN
fsr-3378	418	12	e	e	PROPN
fsr-3378	418	13	40	40	NUM
fsr-3378	418	14	.0	.0	NUM
fsr-3378	418	15	1	1	NUM
fsr-3378	418	16	*	*	PUNCT
fsr-3378	418	17	*	*	PUNCT
fsr-3378	418	18	*	*	PUNCT
fsr-3378	418	19	pa	pa	PROPN
fsr-3378	418	20	ys	ys	PROPN
fsr-3378	418	21	al	al	PROPN
fsr-3378	418	22	l	l	PROPN
fsr-3378	418	23	ba	ba	PROPN
fsr-3378	418	24	la	la	PROPN
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fsr-3378	418	26	es	es	PROPN
fsr-3378	418	27	50	50	NUM
fsr-3378	419	1	.9	.9	NUM
fsr-3378	419	2	0	0	PUNCT
fsr-3378	419	3	*	*	PUNCT
fsr-3378	420	1	*	*	PUNCT
fsr-3378	420	2	*	*	PUNCT
fsr-3378	420	3	0	0	NUM
fsr-3378	420	4	.	.	PUNCT
fsr-3378	421	1	71	71	NUM
fsr-3378	421	2	*	*	PUNCT
fsr-3378	421	3	a	a	DET
fsr-3378	421	4	ve	ve	NOUN
fsr-3378	421	5	ra	ra	PROPN
fsr-3378	421	6	ge	ge	PROPN
fsr-3378	421	7	cr	cr	PROPN
fsr-3378	421	8	ed	ed	PROPN
fsr-3378	421	9	it	it	PRON
fsr-3378	421	10	sc	sc	PROPN
fsr-3378	421	11	or	or	CCONJ
fsr-3378	421	12	e	e	NOUN
fsr-3378	421	13	0	0	PROPN
fsr-3378	421	14	.	.	PUNCT
fsr-3378	422	1	99	99	NUM
fsr-3378	423	1	*	*	PUNCT
fsr-3378	423	2	*	*	PUNCT
fsr-3378	423	3	*	*	PUNCT
fsr-3378	423	4	a	a	DET
fsr-3378	423	5	ve	ve	VERB
fsr-3378	423	6	ra	ra	PROPN
fsr-3378	423	7	ge	ge	PROPN
fsr-3378	423	8	sc	sc	PROPN
fsr-3378	423	9	or	or	CCONJ
fsr-3378	423	10	e	e	NOUN
fsr-3378	423	11	q	q	PROPN
fsr-3378	423	12	ui	ui	PROPN
fsr-3378	424	1	nt	not	PART
fsr-3378	424	2	ile	ile	PROPN
fsr-3378	424	3	1	1	NUM
fsr-3378	424	4	0	0	NUM
fsr-3378	424	5	.	.	PUNCT
fsr-3378	425	1	20	20	NUM
fsr-3378	425	2	*	*	PUNCT
fsr-3378	425	3	*	*	PUNCT
fsr-3378	425	4	*	*	PUNCT
fsr-3378	425	5	a	a	DET
fsr-3378	425	6	ve	ve	VERB
fsr-3378	425	7	ra	ra	PROPN
fsr-3378	425	8	ge	ge	PROPN
fsr-3378	425	9	sc	sc	PROPN
fsr-3378	425	10	or	or	CCONJ
fsr-3378	425	11	e	e	NOUN
fsr-3378	425	12	q	q	PROPN
fsr-3378	425	13	ui	ui	PROPN
fsr-3378	425	14	nt	not	PART
fsr-3378	425	15	ile	ile	PROPN
fsr-3378	425	16	2	2	NUM
fsr-3378	425	17	a	a	DET
fsr-3378	425	18	ve	ve	NOUN
fsr-3378	425	19	ra	ra	PROPN
fsr-3378	425	20	ge	ge	PROPN
fsr-3378	425	21	sc	sc	PROPN
fsr-3378	425	22	or	or	CCONJ
fsr-3378	425	23	e	e	NOUN
fsr-3378	425	24	q	q	PROPN
fsr-3378	425	25	ui	ui	PROPN
fsr-3378	425	26	nt	not	PART
fsr-3378	425	27	ile	ile	PROPN
fsr-3378	425	28	4	4	NUM
fsr-3378	425	29	0	0	NUM
fsr-3378	425	30	.	.	PUNCT
fsr-3378	426	1	10	10	NUM
fsr-3378	426	2	*	*	PUNCT
fsr-3378	426	3	*	*	PUNCT
fsr-3378	426	4	*	*	PUNCT
fsr-3378	426	5	a	a	DET
fsr-3378	426	6	ve	ve	VERB
fsr-3378	426	7	ra	ra	PROPN
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fsr-3378	426	9	sc	sc	PROPN
fsr-3378	426	10	or	or	CCONJ
fsr-3378	426	11	e	e	NOUN
fsr-3378	426	12	q	q	PROPN
fsr-3378	426	13	ui	ui	PROPN
fsr-3378	426	14	nt	not	PART
fsr-3378	426	15	ile	ile	PROPN
fsr-3378	426	16	5	5	NUM
fsr-3378	426	17	nr	nr	NOUN
fsr-3378	426	18	*	*	PUNCT
fsr-3378	426	19	si	si	PROPN
fsr-3378	426	20	gn	gn	PROPN
fsr-3378	426	21	ifi	ifi	PROPN
fsr-3378	426	22	ca	can	AUX
fsr-3378	426	23	nt	not	PART
fsr-3378	426	24	at	at	ADP
fsr-3378	426	25	0	0	NUM
fsr-3378	426	26	.	.	NOUN
fsr-3378	426	27	1	1	NUM
fsr-3378	426	28	le	le	X
fsr-3378	426	29	ve	ve	PROPN
fsr-3378	426	30	l	l	NOUN
fsr-3378	426	31	,	,	PUNCT
fsr-3378	426	32	*	*	PUNCT
fsr-3378	426	33	*	*	PUNCT
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fsr-3378	426	38	nt	not	PART
fsr-3378	426	39	at	at	ADP
fsr-3378	426	40	0	0	NUM
fsr-3378	426	41	.	.	PUNCT
fsr-3378	427	1	05	05	NUM
fsr-3378	427	2	le	le	PROPN
fsr-3378	427	3	ve	ve	PROPN
fsr-3378	427	4	l	l	NOUN
fsr-3378	427	5	,	,	PUNCT
fsr-3378	427	6	*	*	PUNCT
fsr-3378	427	7	*	*	PUNCT
fsr-3378	427	8	*	*	PUNCT
fsr-3378	427	9	si	si	PROPN
fsr-3378	427	10	gn	gn	PROPN
fsr-3378	427	11	ifi	ifi	PROPN
fsr-3378	427	12	ca	can	AUX
fsr-3378	427	13	nt	not	PART
fsr-3378	427	14	at	at	ADP
fsr-3378	427	15	0	0	NUM
fsr-3378	427	16	.	.	PROPN
fsr-3378	427	17	01	01	NUM
fsr-3378	427	18	le	le	PROPN
fsr-3378	427	19	ve	ve	PROPN
fsr-3378	427	20	l	l	NOUN
fsr-3378	427	21	,	,	PUNCT
fsr-3378	427	22	nr	nr	PROPN
fsr-3378	427	23	�	�	PROPN
fsr-3378	427	24	no	no	DET
fsr-3378	427	25	t	t	NOUN
fsr-3378	427	26	re	re	X
fsr-3378	427	27	le	le	PROPN
fsr-3378	427	28	va	va	PROPN
fsr-3378	427	29	nt	not	PART
fsr-3378	427	30	.	.	PUNCT
fsr-3378	428	1	18	18	NUM
fsr-3378	428	2	l.d	l.d	PROPN
fsr-3378	428	3	.	.	PROPN
fsr-3378	428	4	smith	smith	PROPN
fsr-3378	428	5	et	et	PROPN
fsr-3378	428	6	al	al	PROPN
fsr-3378	428	7	.	.	PUNCT
fsr-3378	428	8	/	/	SYM
fsr-3378	428	9	financial	financial	ADJ
fsr-3378	428	10	services	service	NOUN
fsr-3378	428	11	review	review	VERB
fsr-3378	428	12	27	27	NUM
fsr-3378	428	13	(	(	PUNCT
fsr-3378	428	14	2018	2018	NUM
fsr-3378	428	15	)	)	PUNCT
fsr-3378	428	16	1	1	NUM
fsr-3378	428	17	-	-	SYM
fsr-3378	428	18	28	28	NUM
fsr-3378	428	19	80	80	NUM
fsr-3378	428	20	%	%	NOUN
fsr-3378	428	21	lower	lower	ADV
fsr-3378	428	22	(	(	PUNCT
fsr-3378	428	23	changed	change	VERB
fsr-3378	428	24	by	by	ADP
fsr-3378	428	25	a	a	DET
fsr-3378	428	26	factor	factor	NOUN
fsr-3378	428	27	of	of	ADP
fsr-3378	428	28	0.2	0.2	NUM
fsr-3378	428	29	)	)	PUNCT
fsr-3378	428	30	for	for	ADP
fsr-3378	428	31	individuals	individual	NOUN
fsr-3378	428	32	with	with	ADP
fsr-3378	428	33	credit	credit	NOUN
fsr-3378	428	34	scores	score	NOUN
fsr-3378	428	35	in	in	ADP
fsr-3378	428	36	the	the	DET
fsr-3378	428	37	lowest	low	ADJ
fsr-3378	428	38	quintile	quintile	NOUN
fsr-3378	428	39	relative	relative	ADJ
fsr-3378	428	40	to	to	ADP
fsr-3378	428	41	those	those	PRON
fsr-3378	428	42	in	in	ADP
fsr-3378	428	43	the	the	DET
fsr-3378	428	44	middle	middle	ADJ
fsr-3378	428	45	quintiles	quintile	NOUN
fsr-3378	428	46	after	after	ADP
fsr-3378	428	47	considering	consider	VERB
fsr-3378	428	48	family	family	NOUN
fsr-3378	428	49	income	income	NOUN
fsr-3378	428	50	,	,	PUNCT
fsr-3378	428	51	whether	whether	SCONJ
fsr-3378	428	52	the	the	DET
fsr-3378	428	53	family	family	NOUN
fsr-3378	428	54	had	have	VERB
fsr-3378	428	55	a	a	DET
fsr-3378	428	56	recent	recent	ADJ
fsr-3378	428	57	birth	birth	NOUN
fsr-3378	428	58	,	,	PUNCT
fsr-3378	428	59	and	and	CCONJ
fsr-3378	428	60	whether	whether	SCONJ
fsr-3378	428	61	the	the	DET
fsr-3378	428	62	individual	individual	NOUN
fsr-3378	428	63	had	have	VERB
fsr-3378	428	64	other	other	ADJ
fsr-3378	428	65	forms	form	NOUN
fsr-3378	428	66	of	of	ADP
fsr-3378	428	67	retirement	retirement	NOUN
fsr-3378	428	68	savings	saving	NOUN
fsr-3378	428	69	.	.	PUNCT
fsr-3378	429	1	concentrating	concentrate	VERB
fsr-3378	429	2	on	on	ADP
fsr-3378	429	3	the	the	DET
fsr-3378	429	4	coefficients	coefficient	NOUN
fsr-3378	429	5	for	for	ADP
fsr-3378	429	6	the	the	DET
fsr-3378	429	7	reduced	reduce	VERB
fsr-3378	429	8	models	model	NOUN
fsr-3378	429	9	,	,	PUNCT
fsr-3378	429	10	with	with	ADP
fsr-3378	429	11	other	other	ADJ
fsr-3378	429	12	things	thing	NOUN
fsr-3378	429	13	considered	consider	VERB
fsr-3378	429	14	,	,	PUNCT
fsr-3378	429	15	we	we	PRON
fsr-3378	429	16	see	see	VERB
fsr-3378	429	17	higher	high	ADJ
fsr-3378	429	18	credit	credit	NOUN
fsr-3378	429	19	utilization	utilization	NOUN
fsr-3378	429	20	relative	relative	ADJ
fsr-3378	429	21	to	to	ADP
fsr-3378	429	22	credit	credit	NOUN
fsr-3378	429	23	limits	limit	NOUN
fsr-3378	429	24	among	among	ADP
fsr-3378	429	25	individuals	individual	NOUN
fsr-3378	429	26	who	who	PRON
fsr-3378	429	27	suffered	suffer	VERB
fsr-3378	429	28	recent	recent	ADJ
fsr-3378	429	29	or	or	CCONJ
fsr-3378	429	30	extended	extended	ADJ
fsr-3378	429	31	unemployment	unemployment	NOUN
fsr-3378	429	32	,	,	PUNCT
fsr-3378	429	33	a	a	DET
fsr-3378	429	34	drop	drop	NOUN
fsr-3378	429	35	in	in	ADP
fsr-3378	429	36	income	income	NOUN
fsr-3378	429	37	,	,	PUNCT
fsr-3378	429	38	major	major	ADJ
fsr-3378	429	39	medical	medical	ADJ
fsr-3378	429	40	expenses	expense	NOUN
fsr-3378	429	41	,	,	PUNCT
fsr-3378	429	42	were	be	AUX
fsr-3378	429	43	employed	employ	VERB
fsr-3378	429	44	fulltime	fulltime	ADJ
fsr-3378	429	45	,	,	PUNCT
fsr-3378	429	46	or	or	CCONJ
fsr-3378	429	47	lived	live	VERB
fsr-3378	429	48	in	in	ADP
fsr-3378	429	49	large	large	ADJ
fsr-3378	429	50	households	household	NOUN
fsr-3378	429	51	.	.	PUNCT
fsr-3378	430	1	lower	low	ADJ
fsr-3378	430	2	usage	usage	NOUN
fsr-3378	430	3	of	of	ADP
fsr-3378	430	4	available	available	ADJ
fsr-3378	430	5	credit	credit	NOUN
fsr-3378	430	6	was	be	AUX
fsr-3378	430	7	seen	see	VERB
fsr-3378	430	8	for	for	ADP
fsr-3378	430	9	individuals	individual	NOUN
fsr-3378	430	10	in	in	ADP
fsr-3378	430	11	the	the	DET
fsr-3378	430	12	lowest	low	ADJ
fsr-3378	430	13	income	income	NOUN
fsr-3378	430	14	group	group	NOUN
fsr-3378	430	15	,	,	PUNCT
fsr-3378	430	16	individuals	individual	NOUN
fsr-3378	430	17	who	who	PRON
fsr-3378	430	18	had	have	VERB
fsr-3378	430	19	contingency	contingency	NOUN
fsr-3378	430	20	funds	fund	NOUN
fsr-3378	430	21	to	to	PART
fsr-3378	430	22	cover	cover	VERB
fsr-3378	430	23	an	an	DET
fsr-3378	430	24	unexpected	unexpected	ADJ
fsr-3378	430	25	two	two	NUM
fsr-3378	430	26	-	-	PUNCT
fsr-3378	430	27	month	month	NOUN
fsr-3378	430	28	interruption	interruption	NOUN
fsr-3378	430	29	in	in	ADP
fsr-3378	430	30	income	income	NOUN
fsr-3378	430	31	,	,	PUNCT
fsr-3378	430	32	who	who	PRON
fsr-3378	430	33	had	have	VERB
fsr-3378	430	34	retirement	retirement	NOUN
fsr-3378	430	35	savings	saving	NOUN
fsr-3378	430	36	or	or	CCONJ
fsr-3378	430	37	pension	pension	NOUN
fsr-3378	430	38	plans	plan	NOUN
fsr-3378	430	39	,	,	PUNCT
fsr-3378	430	40	were	be	AUX
fsr-3378	430	41	homeowners	homeowner	NOUN
fsr-3378	430	42	,	,	PUNCT
fsr-3378	430	43	asians	asian	NOUN
fsr-3378	430	44	,	,	PUNCT
fsr-3378	430	45	college	college	NOUN
fsr-3378	430	46	-	-	PUNCT
fsr-3378	430	47	educated	educate	VERB
fsr-3378	430	48	individuals	individual	NOUN
fsr-3378	430	49	,	,	PUNCT
fsr-3378	430	50	and	and	CCONJ
fsr-3378	430	51	married	married	ADJ
fsr-3378	430	52	persons	person	NOUN
fsr-3378	430	53	.	.	PUNCT
fsr-3378	431	1	recall	recall	NOUN
fsr-3378	431	2	,	,	PUNCT
fsr-3378	431	3	however	however	ADV
fsr-3378	431	4	,	,	PUNCT
fsr-3378	431	5	that	that	SCONJ
fsr-3378	431	6	83–84	83–84	NOUN
fsr-3378	431	7	%	%	NOUN
fsr-3378	431	8	of	of	ADP
fsr-3378	431	9	the	the	DET
fsr-3378	431	10	variation	variation	NOUN
fsr-3378	431	11	of	of	ADP
fsr-3378	431	12	credit	credit	NOUN
fsr-3378	431	13	utilization	utilization	NOUN
fsr-3378	431	14	relative	relative	ADJ
fsr-3378	431	15	to	to	ADP
fsr-3378	431	16	credit	credit	NOUN
fsr-3378	431	17	limits	limit	NOUN
fsr-3378	431	18	was	be	AUX
fsr-3378	431	19	unexplained	unexplained	ADJ
fsr-3378	431	20	by	by	ADP
fsr-3378	431	21	the	the	DET
fsr-3378	431	22	regression	regression	NOUN
fsr-3378	431	23	models	model	NOUN
fsr-3378	431	24	.	.	PUNCT
fsr-3378	432	1	individuals	individual	NOUN
fsr-3378	432	2	who	who	PRON
fsr-3378	432	3	were	be	AUX
fsr-3378	432	4	unemployed	unemployed	ADJ
fsr-3378	432	5	,	,	PUNCT
fsr-3378	432	6	had	have	VERB
fsr-3378	432	7	major	major	ADJ
fsr-3378	432	8	medical	medical	ADJ
fsr-3378	432	9	expenses	expense	NOUN
fsr-3378	432	10	,	,	PUNCT
fsr-3378	432	11	were	be	AUX
fsr-3378	432	12	african	african	ADJ
fsr-3378	432	13	american	american	ADJ
fsr-3378	432	14	,	,	PUNCT
fsr-3378	432	15	or	or	CCONJ
fsr-3378	432	16	who	who	PRON
fsr-3378	432	17	had	have	AUX
fsr-3378	432	18	more	more	ADJ
fsr-3378	432	19	children	child	NOUN
fsr-3378	432	20	at	at	ADP
fsr-3378	432	21	home	home	NOUN
fsr-3378	432	22	,	,	PUNCT
fsr-3378	432	23	ceteris	ceteris	NOUN
fsr-3378	432	24	paribus	paribus	NOUN
fsr-3378	432	25	,	,	PUNCT
fsr-3378	432	26	were	be	AUX
fsr-3378	432	27	less	less	ADV
fsr-3378	432	28	likely	likely	ADJ
fsr-3378	432	29	to	to	PART
fsr-3378	432	30	pay	pay	VERB
fsr-3378	432	31	at	at	ADP
fsr-3378	432	32	least	least	ADJ
fsr-3378	432	33	the	the	DET
fsr-3378	432	34	minimum	minimum	ADJ
fsr-3378	432	35	amounts	amount	NOUN
fsr-3378	432	36	due	due	ADJ
fsr-3378	432	37	on	on	ADP
fsr-3378	432	38	all	all	DET
fsr-3378	432	39	accounts	account	NOUN
fsr-3378	432	40	each	each	DET
fsr-3378	432	41	month	month	NOUN
fsr-3378	432	42	.	.	PUNCT
fsr-3378	433	1	conversely	conversely	ADV
fsr-3378	433	2	,	,	PUNCT
fsr-3378	433	3	if	if	SCONJ
fsr-3378	433	4	the	the	DET
fsr-3378	433	5	person	person	NOUN
fsr-3378	433	6	was	be	AUX
fsr-3378	433	7	under	under	ADP
fsr-3378	433	8	30	30	NUM
fsr-3378	433	9	,	,	PUNCT
fsr-3378	433	10	had	have	VERB
fsr-3378	433	11	a	a	DET
fsr-3378	433	12	graduate	graduate	NOUN
fsr-3378	433	13	degree	degree	NOUN
fsr-3378	433	14	,	,	PUNCT
fsr-3378	433	15	had	have	VERB
fsr-3378	433	16	contingency	contingency	NOUN
fsr-3378	433	17	funds	fund	NOUN
fsr-3378	433	18	or	or	CCONJ
fsr-3378	433	19	retirement	retirement	NOUN
fsr-3378	433	20	plan	plan	NOUN
fsr-3378	433	21	,	,	PUNCT
fsr-3378	433	22	was	be	AUX
fsr-3378	433	23	a	a	DET
fsr-3378	433	24	homeowner	homeowner	NOUN
fsr-3378	433	25	or	or	CCONJ
fsr-3378	433	26	married	married	ADJ
fsr-3378	433	27	,	,	PUNCT
fsr-3378	433	28	he	he	PRON
fsr-3378	433	29	or	or	CCONJ
fsr-3378	433	30	she	she	PRON
fsr-3378	433	31	was	be	AUX
fsr-3378	433	32	more	more	ADV
fsr-3378	433	33	likely	likely	ADJ
fsr-3378	433	34	to	to	PART
fsr-3378	433	35	pay	pay	VERB
fsr-3378	433	36	more	more	ADJ
fsr-3378	433	37	than	than	ADP
fsr-3378	433	38	the	the	DET
fsr-3378	433	39	minimum	minimum	NOUN
fsr-3378	433	40	due	due	ADJ
fsr-3378	433	41	on	on	ADP
fsr-3378	433	42	all	all	DET
fsr-3378	433	43	accounts	account	NOUN
fsr-3378	433	44	each	each	DET
fsr-3378	433	45	month	month	NOUN
fsr-3378	433	46	.	.	PUNCT
fsr-3378	434	1	payment	payment	NOUN
fsr-3378	434	2	habits	habit	NOUN
fsr-3378	434	3	,	,	PUNCT
fsr-3378	434	4	of	of	ADP
fsr-3378	434	5	course	course	NOUN
fsr-3378	434	6	,	,	PUNCT
fsr-3378	434	7	are	be	AUX
fsr-3378	434	8	highly	highly	ADV
fsr-3378	434	9	influential	influential	ADJ
fsr-3378	434	10	in	in	ADP
fsr-3378	434	11	determining	determine	VERB
fsr-3378	434	12	the	the	DET
fsr-3378	434	13	individual	individual	NOUN
fsr-3378	434	14	’s	’s	PART
fsr-3378	434	15	credit	credit	NOUN
fsr-3378	434	16	score	score	NOUN
fsr-3378	434	17	.	.	PUNCT
fsr-3378	435	1	after	after	ADP
fsr-3378	435	2	accounting	account	VERB
fsr-3378	435	3	for	for	ADP
fsr-3378	435	4	those	those	DET
fsr-3378	435	5	habits	habit	NOUN
fsr-3378	435	6	and	and	CCONJ
fsr-3378	435	7	other	other	ADJ
fsr-3378	435	8	variables	variable	NOUN
fsr-3378	435	9	in	in	ADP
fsr-3378	435	10	the	the	DET
fsr-3378	435	11	model	model	NOUN
fsr-3378	435	12	,	,	PUNCT
fsr-3378	435	13	average	average	ADJ
fsr-3378	435	14	credit	credit	NOUN
fsr-3378	435	15	scores	score	NOUN
fsr-3378	435	16	were	be	AUX
fsr-3378	435	17	still	still	ADV
fsr-3378	435	18	higher	high	ADJ
fsr-3378	435	19	for	for	ADP
fsr-3378	435	20	college	college	NOUN
fsr-3378	435	21	-	-	PUNCT
fsr-3378	435	22	educated	educate	VERB
fsr-3378	435	23	individuals	individual	NOUN
fsr-3378	435	24	,	,	PUNCT
fsr-3378	435	25	for	for	ADP
fsr-3378	435	26	people	people	NOUN
fsr-3378	435	27	with	with	ADP
fsr-3378	435	28	contingency	contingency	NOUN
fsr-3378	435	29	funds	fund	NOUN
fsr-3378	435	30	,	,	PUNCT
fsr-3378	435	31	homeowners	homeowner	NOUN
fsr-3378	435	32	,	,	PUNCT
fsr-3378	435	33	married	married	ADJ
fsr-3378	435	34	individuals	individual	NOUN
fsr-3378	435	35	and	and	CCONJ
fsr-3378	435	36	people	people	NOUN
fsr-3378	435	37	who	who	PRON
fsr-3378	435	38	are	be	AUX
fsr-3378	435	39	employed	employ	VERB
fsr-3378	435	40	longer	long	ADV
fsr-3378	435	41	with	with	ADP
fsr-3378	435	42	their	their	PRON
fsr-3378	435	43	current	current	ADJ
fsr-3378	435	44	employer	employer	NOUN
fsr-3378	435	45	.	.	PUNCT
fsr-3378	436	1	average	average	ADJ
fsr-3378	436	2	scores	score	NOUN
fsr-3378	436	3	were	be	AUX
fsr-3378	436	4	lower	low	ADJ
fsr-3378	436	5	for	for	ADP
fsr-3378	436	6	individuals	individual	NOUN
fsr-3378	436	7	who	who	PRON
fsr-3378	436	8	were	be	AUX
fsr-3378	436	9	unemployed	unemployed	ADJ
fsr-3378	436	10	,	,	PUNCT
fsr-3378	436	11	who	who	PRON
fsr-3378	436	12	had	have	VERB
fsr-3378	436	13	recent	recent	ADJ
fsr-3378	436	14	drops	drop	NOUN
fsr-3378	436	15	in	in	ADP
fsr-3378	436	16	income	income	NOUN
fsr-3378	436	17	,	,	PUNCT
fsr-3378	436	18	were	be	AUX
fsr-3378	436	19	divorced	divorce	VERB
fsr-3378	436	20	or	or	CCONJ
fsr-3378	436	21	separated	separate	VERB
fsr-3378	436	22	,	,	PUNCT
fsr-3378	436	23	had	have	VERB
fsr-3378	436	24	major	major	ADJ
fsr-3378	436	25	medical	medical	ADJ
fsr-3378	436	26	expenses	expense	NOUN
fsr-3378	436	27	,	,	PUNCT
fsr-3378	436	28	were	be	AUX
fsr-3378	436	29	african	african	ADJ
fsr-3378	436	30	american	american	ADJ
fsr-3378	436	31	,	,	PUNCT
fsr-3378	436	32	employed	employ	VERB
fsr-3378	436	33	full	full	ADJ
fsr-3378	436	34	-	-	PUNCT
fsr-3378	436	35	time	time	NOUN
fsr-3378	436	36	(	(	PUNCT
fsr-3378	436	37	vs.	vs.	X
fsr-3378	436	38	part	part	NOUN
fsr-3378	436	39	-	-	PUNCT
fsr-3378	436	40	time)7	time)7	NOUN
fsr-3378	436	41	and	and	CCONJ
fsr-3378	436	42	from	from	ADP
fsr-3378	436	43	larger	large	ADJ
fsr-3378	436	44	households	household	NOUN
fsr-3378	436	45	.	.	PUNCT
fsr-3378	437	1	material	material	NOUN
fsr-3378	437	2	disputes	dispute	NOUN
fsr-3378	437	3	,	,	PUNCT
fsr-3378	437	4	ceteris	ceteris	NOUN
fsr-3378	437	5	paribus	paribus	NOUN
fsr-3378	437	6	,	,	PUNCT
fsr-3378	437	7	were	be	AUX
fsr-3378	437	8	more	more	ADV
fsr-3378	437	9	likely	likely	ADJ
fsr-3378	437	10	to	to	PART
fsr-3378	437	11	arise	arise	VERB
fsr-3378	437	12	among	among	ADP
fsr-3378	437	13	individuals	individual	NOUN
fsr-3378	437	14	with	with	ADP
fsr-3378	437	15	average	average	ADJ
fsr-3378	437	16	lower	low	ADJ
fsr-3378	437	17	credit	credit	NOUN
fsr-3378	437	18	scores	score	NOUN
fsr-3378	437	19	and	and	CCONJ
fsr-3378	437	20	also	also	ADV
fsr-3378	437	21	among	among	ADP
fsr-3378	437	22	individuals	individual	NOUN
fsr-3378	437	23	with	with	ADP
fsr-3378	437	24	family	family	NOUN
fsr-3378	437	25	income	income	NOUN
fsr-3378	437	26	over	over	ADP
fsr-3378	437	27	$	$	SYM
fsr-3378	437	28	75k	75k	NOUN
fsr-3378	437	29	.	.	PUNCT
fsr-3378	438	1	some	some	DET
fsr-3378	438	2	further	further	ADJ
fsr-3378	438	3	variation	variation	NOUN
fsr-3378	438	4	was	be	AUX
fsr-3378	438	5	explained	explain	VERB
fsr-3378	438	6	by	by	ADP
fsr-3378	438	7	age	age	NOUN
fsr-3378	438	8	,	,	PUNCT
fsr-3378	438	9	gender	gender	NOUN
fsr-3378	438	10	,	,	PUNCT
fsr-3378	438	11	drops	drop	VERB
fsr-3378	438	12	in	in	ADP
fsr-3378	438	13	income	income	NOUN
fsr-3378	438	14	and	and	CCONJ
fsr-3378	438	15	household	household	NOUN
fsr-3378	438	16	size	size	NOUN
fsr-3378	438	17	.	.	PUNCT
fsr-3378	439	1	following	follow	VERB
fsr-3378	439	2	disputes	dispute	NOUN
fsr-3378	439	3	,	,	PUNCT
fsr-3378	439	4	improvement	improvement	NOUN
fsr-3378	439	5	in	in	ADP
fsr-3378	439	6	credit	credit	NOUN
fsr-3378	439	7	standing	standing	NOUN
fsr-3378	439	8	was	be	AUX
fsr-3378	439	9	less	less	ADV
fsr-3378	439	10	likely	likely	ADJ
fsr-3378	439	11	for	for	ADP
fsr-3378	439	12	african	african	ADJ
fsr-3378	439	13	americans	americans	PROPN
fsr-3378	439	14	and	and	CCONJ
fsr-3378	439	15	more	more	ADV
fsr-3378	439	16	likely	likely	ADJ
fsr-3378	439	17	for	for	ADP
fsr-3378	439	18	individuals	individual	NOUN
fsr-3378	439	19	in	in	ADP
fsr-3378	439	20	the	the	DET
fsr-3378	439	21	highest	high	ADJ
fsr-3378	439	22	and	and	CCONJ
fsr-3378	439	23	lowest	low	ADJ
fsr-3378	439	24	income	income	NOUN
fsr-3378	439	25	categories	category	NOUN
fsr-3378	439	26	but	but	CCONJ
fsr-3378	439	27	this	this	PRON
fsr-3378	439	28	is	be	AUX
fsr-3378	439	29	likely	likely	ADJ
fsr-3378	439	30	because	because	SCONJ
fsr-3378	439	31	of	of	ADP
fsr-3378	439	32	associations	association	NOUN
fsr-3378	439	33	between	between	ADP
fsr-3378	439	34	average	average	ADJ
fsr-3378	439	35	credit	credit	NOUN
fsr-3378	439	36	scores	score	NOUN
fsr-3378	439	37	for	for	ADP
fsr-3378	439	38	individuals	individual	NOUN
fsr-3378	439	39	(	(	PUNCT
fsr-3378	439	40	i.e.	i.e.	X
fsr-3378	439	41	,	,	PUNCT
fsr-3378	439	42	the	the	DET
fsr-3378	439	43	nature	nature	NOUN
fsr-3378	439	44	of	of	ADP
fsr-3378	439	45	the	the	DET
fsr-3378	439	46	credit	credit	NOUN
fsr-3378	439	47	record	record	NOUN
fsr-3378	439	48	itself	itself	PRON
fsr-3378	439	49	)	)	PUNCT
fsr-3378	439	50	as	as	SCONJ
fsr-3378	439	51	discussed	discuss	VERB
fsr-3378	439	52	earlier	early	ADV
fsr-3378	439	53	.	.	PUNCT
fsr-3378	440	1	race	race	NOUN
fsr-3378	440	2	(	(	PUNCT
fsr-3378	440	3	black	black	ADJ
fsr-3378	440	4	)	)	PUNCT
fsr-3378	440	5	becomes	become	VERB
fsr-3378	440	6	insignificant	insignificant	ADJ
fsr-3378	440	7	at	at	ADP
fsr-3378	440	8	the	the	DET
fsr-3378	440	9	0.05	0.05	NUM
fsr-3378	440	10	level	level	NOUN
fsr-3378	440	11	when	when	SCONJ
fsr-3378	440	12	indicators	indicator	NOUN
fsr-3378	440	13	of	of	ADP
fsr-3378	440	14	credit	credit	NOUN
fsr-3378	440	15	-	-	PUNCT
fsr-3378	440	16	score	score	NOUN
fsr-3378	440	17	quintiles	quintile	NOUN
fsr-3378	440	18	are	be	AUX
fsr-3378	440	19	included	include	VERB
fsr-3378	440	20	in	in	ADP
fsr-3378	440	21	the	the	DET
fsr-3378	440	22	reduced	reduce	VERB
fsr-3378	440	23	model	model	NOUN
fsr-3378	440	24	to	to	PART
fsr-3378	440	25	accommodate	accommodate	VERB
fsr-3378	440	26	the	the	DET
fsr-3378	440	27	nonlinear	nonlinear	ADJ
fsr-3378	440	28	effects	effect	NOUN
fsr-3378	440	29	of	of	ADP
fsr-3378	440	30	the	the	DET
fsr-3378	440	31	quality	quality	NOUN
fsr-3378	440	32	of	of	ADP
fsr-3378	440	33	the	the	DET
fsr-3378	440	34	credit	credit	NOUN
fsr-3378	440	35	record	record	NOUN
fsr-3378	440	36	.	.	PUNCT
fsr-3378	441	1	the	the	DET
fsr-3378	441	2	last	last	ADJ
fsr-3378	441	3	pair	pair	NOUN
fsr-3378	441	4	of	of	ADP
fsr-3378	441	5	models	model	NOUN
fsr-3378	441	6	suggests	suggest	VERB
fsr-3378	441	7	that	that	SCONJ
fsr-3378	441	8	individuals	individual	NOUN
fsr-3378	441	9	in	in	ADP
fsr-3378	441	10	the	the	DET
fsr-3378	441	11	lowest	low	ADJ
fsr-3378	441	12	quintile	quintile	NOUN
fsr-3378	441	13	are	be	AUX
fsr-3378	441	14	as	as	ADV
fsr-3378	441	15	likely	likely	ADJ
fsr-3378	441	16	as	as	ADP
fsr-3378	441	17	those	those	PRON
fsr-3378	441	18	in	in	ADP
fsr-3378	441	19	quintile	quintile	NOUN
fsr-3378	441	20	3	3	NUM
fsr-3378	441	21	to	to	PART
fsr-3378	441	22	receive	receive	VERB
fsr-3378	441	23	a	a	DET
fsr-3378	441	24	10	10	NUM
fsr-3378	441	25	-	-	PUNCT
fsr-3378	441	26	point	point	NOUN
fsr-3378	441	27	increase	increase	NOUN
fsr-3378	441	28	in	in	ADP
fsr-3378	441	29	their	their	PRON
fsr-3378	441	30	credit	credit	NOUN
fsr-3378	441	31	scores	score	NOUN
fsr-3378	441	32	but	but	CCONJ
fsr-3378	441	33	that	that	PRON
fsr-3378	441	34	is	be	AUX
fsr-3378	441	35	insufficient	insufficient	ADJ
fsr-3378	441	36	to	to	PART
fsr-3378	441	37	have	have	VERB
fsr-3378	441	38	them	they	PRON
fsr-3378	441	39	cross	cross	VERB
fsr-3378	441	40	a	a	DET
fsr-3378	441	41	lending	lending	NOUN
fsr-3378	441	42	threshold	threshold	NOUN
fsr-3378	441	43	because	because	SCONJ
fsr-3378	441	44	of	of	ADP
fsr-3378	441	45	other	other	ADJ
fsr-3378	441	46	deficiencies	deficiency	NOUN
fsr-3378	441	47	in	in	ADP
fsr-3378	441	48	their	their	PRON
fsr-3378	441	49	records	record	NOUN
fsr-3378	441	50	.	.	PUNCT
fsr-3378	442	1	5	5	X
fsr-3378	442	2	.	.	X
fsr-3378	442	3	implications	implication	NOUN
fsr-3378	442	4	for	for	ADP
fsr-3378	442	5	credit	credit	NOUN
fsr-3378	442	6	-	-	PUNCT
fsr-3378	442	7	reporting	report	VERB
fsr-3378	442	8	practice	practice	NOUN
fsr-3378	442	9	based	base	VERB
fsr-3378	442	10	on	on	ADP
fsr-3378	442	11	qualitative	qualitative	ADJ
fsr-3378	442	12	observations	observation	NOUN
fsr-3378	442	13	from	from	ADP
fsr-3378	442	14	the	the	DET
fsr-3378	442	15	intensive	intensive	ADJ
fsr-3378	442	16	reviews	review	NOUN
fsr-3378	442	17	of	of	ADP
fsr-3378	442	18	credit	credit	NOUN
fsr-3378	442	19	-	-	PUNCT
fsr-3378	442	20	bureau	bureau	NOUN
fsr-3378	442	21	records	record	NOUN
fsr-3378	442	22	in	in	ADP
fsr-3378	442	23	this	this	DET
fsr-3378	442	24	study	study	NOUN
fsr-3378	442	25	(	(	PUNCT
fsr-3378	442	26	and	and	CCONJ
fsr-3378	442	27	decades	decade	NOUN
fsr-3378	442	28	of	of	ADP
fsr-3378	442	29	personal	personal	ADJ
fsr-3378	442	30	experience	experience	NOUN
fsr-3378	442	31	in	in	ADP
fsr-3378	442	32	the	the	DET
fsr-3378	442	33	use	use	NOUN
fsr-3378	442	34	of	of	ADP
fsr-3378	442	35	such	such	ADJ
fsr-3378	442	36	data	datum	NOUN
fsr-3378	442	37	for	for	ADP
fsr-3378	442	38	risk	risk	NOUN
fsr-3378	442	39	management	management	NOUN
fsr-3378	442	40	in	in	ADP
fsr-3378	442	41	financial	financial	ADJ
fsr-3378	442	42	institutions	institution	NOUN
fsr-3378	442	43	)	)	PUNCT
fsr-3378	442	44	,	,	PUNCT
fsr-3378	442	45	we	we	PRON
fsr-3378	442	46	are	be	AUX
fsr-3378	442	47	able	able	ADJ
fsr-3378	442	48	to	to	PART
fsr-3378	442	49	offer	offer	VERB
fsr-3378	442	50	suggestions	suggestion	NOUN
fsr-3378	442	51	for	for	ADP
fsr-3378	442	52	possible	possible	ADJ
fsr-3378	442	53	changes	change	NOUN
fsr-3378	442	54	to	to	ADP
fsr-3378	442	55	credit19l.d	credit19l.d	PROPN
fsr-3378	442	56	.	.	PUNCT
fsr-3378	443	1	smith	smith	PROPN
fsr-3378	443	2	et	et	PROPN
fsr-3378	443	3	al	al	PROPN
fsr-3378	443	4	.	.	PUNCT
fsr-3378	443	5	/	/	SYM
fsr-3378	443	6	financial	financial	ADJ
fsr-3378	443	7	services	service	NOUN
fsr-3378	443	8	review	review	VERB
fsr-3378	443	9	27	27	NUM
fsr-3378	443	10	(	(	PUNCT
fsr-3378	443	11	2018	2018	NUM
fsr-3378	443	12	)	)	PUNCT
fsr-3378	443	13	1	1	NUM
fsr-3378	443	14	-	-	SYM
fsr-3378	443	15	28	28	NUM
fsr-3378	443	16	reporting	reporting	NOUN
fsr-3378	443	17	practices	practice	NOUN
fsr-3378	443	18	that	that	PRON
fsr-3378	443	19	may	may	AUX
fsr-3378	443	20	improve	improve	VERB
fsr-3378	443	21	the	the	DET
fsr-3378	443	22	quality	quality	NOUN
fsr-3378	443	23	and	and	CCONJ
fsr-3378	443	24	utility	utility	NOUN
fsr-3378	443	25	of	of	ADP
fsr-3378	443	26	information	information	NOUN
fsr-3378	443	27	in	in	ADP
fsr-3378	443	28	credit	credit	NOUN
fsr-3378	443	29	-	-	PUNCT
fsr-3378	443	30	bureau	bureau	NOUN
fsr-3378	443	31	files	file	NOUN
fsr-3378	443	32	while	while	SCONJ
fsr-3378	443	33	respecting	respect	VERB
fsr-3378	443	34	consumer	consumer	NOUN
fsr-3378	443	35	privacy	privacy	NOUN
fsr-3378	443	36	.	.	PUNCT
fsr-3378	444	1	setting	set	VERB
fsr-3378	444	2	aside	aside	ADP
fsr-3378	444	3	the	the	DET
fsr-3378	444	4	fact	fact	NOUN
fsr-3378	444	5	that	that	SCONJ
fsr-3378	444	6	bureau	bureau	NOUN
fsr-3378	444	7	files	file	NOUN
fsr-3378	444	8	represent	represent	VERB
fsr-3378	444	9	only	only	ADV
fsr-3378	444	10	one	one	NUM
fsr-3378	444	11	side	side	NOUN
fsr-3378	444	12	of	of	ADP
fsr-3378	444	13	the	the	DET
fsr-3378	444	14	ledger	ledger	NOUN
fsr-3378	444	15	(	(	PUNCT
fsr-3378	444	16	i.e.	i.e.	X
fsr-3378	444	17	,	,	PUNCT
fsr-3378	444	18	not	not	PART
fsr-3378	444	19	providing	provide	VERB
fsr-3378	444	20	information	information	NOUN
fsr-3378	444	21	about	about	ADP
fsr-3378	444	22	income	income	NOUN
fsr-3378	444	23	or	or	CCONJ
fsr-3378	444	24	financial	financial	ADJ
fsr-3378	444	25	assets	asset	NOUN
fsr-3378	444	26	)	)	PUNCT
fsr-3378	444	27	,	,	PUNCT
fsr-3378	444	28	there	there	PRON
fsr-3378	444	29	were	be	VERB
fsr-3378	444	30	several	several	ADJ
fsr-3378	444	31	recurring	recur	VERB
fsr-3378	444	32	themes	theme	NOUN
fsr-3378	444	33	observed	observe	VERB
fsr-3378	444	34	by	by	ADP
fsr-3378	444	35	our	our	PRON
fsr-3378	444	36	research	research	NOUN
fsr-3378	444	37	associates	associate	NOUN
fsr-3378	444	38	as	as	SCONJ
fsr-3378	444	39	they	they	PRON
fsr-3378	444	40	discussed	discuss	VERB
fsr-3378	444	41	the	the	DET
fsr-3378	444	42	credit	credit	NOUN
fsr-3378	444	43	reports	report	NOUN
fsr-3378	444	44	with	with	ADP
fsr-3378	444	45	study	study	NOUN
fsr-3378	444	46	participants	participant	NOUN
fsr-3378	444	47	.	.	PUNCT
fsr-3378	445	1	they	they	PRON
fsr-3378	445	2	pertained	pertain	VERB
fsr-3378	445	3	to	to	ADP
fsr-3378	445	4	measures	measure	NOUN
fsr-3378	445	5	of	of	ADP
fsr-3378	445	6	:	:	PUNCT
fsr-3378	445	7	(	(	PUNCT
fsr-3378	445	8	1	1	X
fsr-3378	445	9	)	)	PUNCT
fsr-3378	445	10	credit	credit	NOUN
fsr-3378	445	11	utilization	utilization	NOUN
fsr-3378	445	12	,	,	PUNCT
fsr-3378	445	13	(	(	PUNCT
fsr-3378	445	14	2	2	X
fsr-3378	445	15	)	)	PUNCT
fsr-3378	445	16	alleged	allege	VERB
fsr-3378	445	17	applications	application	NOUN
fsr-3378	445	18	for	for	ADP
fsr-3378	445	19	new	new	ADJ
fsr-3378	445	20	credit	credit	NOUN
fsr-3378	445	21	,	,	PUNCT
fsr-3378	445	22	and	and	CCONJ
fsr-3378	445	23	(	(	PUNCT
fsr-3378	445	24	3	3	X
fsr-3378	445	25	)	)	PUNCT
fsr-3378	445	26	collection	collection	NOUN
fsr-3378	445	27	activity	activity	NOUN
fsr-3378	445	28	.	.	PUNCT
fsr-3378	446	1	the	the	DET
fsr-3378	446	2	construction	construction	NOUN
fsr-3378	446	3	of	of	ADP
fsr-3378	446	4	credit	credit	NOUN
fsr-3378	446	5	scores	score	NOUN
fsr-3378	446	6	is	be	AUX
fsr-3378	446	7	,	,	PUNCT
fsr-3378	446	8	as	as	SCONJ
fsr-3378	446	9	acknowledged	acknowledge	VERB
fsr-3378	446	10	earlier	early	ADV
fsr-3378	446	11	,	,	PUNCT
fsr-3378	446	12	hampered	hamper	VERB
fsr-3378	446	13	by	by	ADP
fsr-3378	446	14	the	the	DET
fsr-3378	446	15	lack	lack	NOUN
fsr-3378	446	16	of	of	ADP
fsr-3378	446	17	information	information	NOUN
fsr-3378	446	18	on	on	ADP
fsr-3378	446	19	credit	credit	NOUN
fsr-3378	446	20	limits	limit	NOUN
fsr-3378	446	21	and	and	CCONJ
fsr-3378	446	22	payments	payment	NOUN
fsr-3378	446	23	made	make	VERB
fsr-3378	446	24	on	on	ADP
fsr-3378	446	25	revolving	revolve	VERB
fsr-3378	446	26	accounts	account	NOUN
fsr-3378	446	27	.	.	PUNCT
fsr-3378	447	1	neither	neither	PRON
fsr-3378	447	2	of	of	ADP
fsr-3378	447	3	these	these	DET
fsr-3378	447	4	variables	variable	NOUN
fsr-3378	447	5	can	can	AUX
fsr-3378	447	6	be	be	AUX
fsr-3378	447	7	deduced	deduce	VERB
fsr-3378	447	8	unequivocally	unequivocally	ADV
fsr-3378	447	9	from	from	ADP
fsr-3378	447	10	account	account	NOUN
fsr-3378	447	11	balances	balance	NOUN
fsr-3378	447	12	and	and	CCONJ
fsr-3378	447	13	delinquency	delinquency	NOUN
fsr-3378	447	14	status	status	NOUN
fsr-3378	447	15	.	.	PUNCT
fsr-3378	448	1	this	this	PRON
fsr-3378	448	2	makes	make	VERB
fsr-3378	448	3	estimates	estimate	NOUN
fsr-3378	448	4	of	of	ADP
fsr-3378	448	5	utilization	utilization	NOUN
fsr-3378	448	6	and	and	CCONJ
fsr-3378	448	7	whether	whether	SCONJ
fsr-3378	448	8	individuals	individual	NOUN
fsr-3378	448	9	pay	pay	VERB
fsr-3378	448	10	accounts	account	NOUN
fsr-3378	448	11	in	in	ADP
fsr-3378	448	12	full	full	ADJ
fsr-3378	448	13	each	each	DET
fsr-3378	448	14	month	month	NOUN
fsr-3378	448	15	prone	prone	ADJ
fsr-3378	448	16	to	to	ADP
fsr-3378	448	17	considerable	considerable	ADJ
fsr-3378	448	18	error	error	NOUN
fsr-3378	448	19	.	.	PUNCT
fsr-3378	449	1	because	because	SCONJ
fsr-3378	449	2	of	of	ADP
fsr-3378	449	3	concerns	concern	NOUN
fsr-3378	449	4	for	for	ADP
fsr-3378	449	5	individual	individual	ADJ
fsr-3378	449	6	and	and	CCONJ
fsr-3378	449	7	institutional	institutional	ADJ
fsr-3378	449	8	privacy	privacy	NOUN
fsr-3378	449	9	,	,	PUNCT
fsr-3378	449	10	we	we	PRON
fsr-3378	449	11	frankly	frankly	ADV
fsr-3378	449	12	doubt	doubt	VERB
fsr-3378	449	13	that	that	SCONJ
fsr-3378	449	14	satisfactory	satisfactory	ADJ
fsr-3378	449	15	remedies	remedy	NOUN
fsr-3378	449	16	exist	exist	VERB
fsr-3378	449	17	for	for	ADP
fsr-3378	449	18	these	these	DET
fsr-3378	449	19	shortcomings	shortcoming	NOUN
fsr-3378	449	20	.	.	PUNCT
fsr-3378	450	1	“	"	PUNCT
fsr-3378	450	2	hard	hard	ADJ
fsr-3378	450	3	pulls	pull	NOUN
fsr-3378	450	4	”	"	PUNCT
fsr-3378	450	5	of	of	ADP
fsr-3378	450	6	bureau	bureau	NOUN
fsr-3378	450	7	records	record	NOUN
fsr-3378	450	8	(	(	PUNCT
fsr-3378	450	9	caused	cause	VERB
fsr-3378	450	10	by	by	ADP
fsr-3378	450	11	applications	application	NOUN
fsr-3378	450	12	for	for	ADP
fsr-3378	450	13	new	new	ADJ
fsr-3378	450	14	credit	credit	NOUN
fsr-3378	450	15	)	)	PUNCT
fsr-3378	450	16	reduce	reduce	VERB
fsr-3378	450	17	credit	credit	NOUN
fsr-3378	450	18	scores	score	NOUN
fsr-3378	450	19	.	.	PUNCT
fsr-3378	451	1	they	they	PRON
fsr-3378	451	2	may	may	AUX
fsr-3378	451	3	occur	occur	VERB
fsr-3378	451	4	,	,	PUNCT
fsr-3378	451	5	however	however	ADV
fsr-3378	451	6	,	,	PUNCT
fsr-3378	451	7	for	for	ADP
fsr-3378	451	8	reasons	reason	NOUN
fsr-3378	451	9	with	with	ADP
fsr-3378	451	10	dramatically	dramatically	ADV
fsr-3378	451	11	varying	vary	VERB
fsr-3378	451	12	implications	implication	NOUN
fsr-3378	451	13	about	about	ADP
fsr-3378	451	14	risk	risk	NOUN
fsr-3378	451	15	—	—	PUNCT
fsr-3378	451	16	from	from	ADP
fsr-3378	451	17	trivial	trivial	ADJ
fsr-3378	451	18	credit	credit	NOUN
fsr-3378	451	19	-	-	PUNCT
fsr-3378	451	20	checks	check	NOUN
fsr-3378	451	21	for	for	ADP
fsr-3378	451	22	a	a	DET
fsr-3378	451	23	new	new	ADJ
fsr-3378	451	24	cell	cell	NOUN
fsr-3378	451	25	-	-	PUNCT
fsr-3378	451	26	phone	phone	NOUN
fsr-3378	451	27	account	account	NOUN
fsr-3378	451	28	to	to	ADP
fsr-3378	451	29	highly	highly	ADV
fsr-3378	451	30	leveraged	leverage	VERB
fsr-3378	451	31	financial	financial	ADJ
fsr-3378	451	32	gambits	gambit	NOUN
fsr-3378	451	33	.	.	PUNCT
fsr-3378	452	1	more	more	ADJ
fsr-3378	452	2	information	information	NOUN
fsr-3378	452	3	about	about	ADP
fsr-3378	452	4	the	the	DET
fsr-3378	452	5	reason	reason	NOUN
fsr-3378	452	6	for	for	ADP
fsr-3378	452	7	“	"	PUNCT
fsr-3378	452	8	hard	hard	ADJ
fsr-3378	452	9	”	"	PUNCT
fsr-3378	452	10	inquiries	inquiry	NOUN
fsr-3378	452	11	and	and	CCONJ
fsr-3378	452	12	the	the	DET
fsr-3378	452	13	amount	amount	NOUN
fsr-3378	452	14	of	of	ADP
fsr-3378	452	15	the	the	DET
fsr-3378	452	16	credit	credit	NOUN
fsr-3378	452	17	line	line	NOUN
fsr-3378	452	18	would	would	AUX
fsr-3378	452	19	be	be	AUX
fsr-3378	452	20	helpful	helpful	ADJ
fsr-3378	452	21	(	(	PUNCT
fsr-3378	452	22	if	if	SCONJ
fsr-3378	452	23	the	the	DET
fsr-3378	452	24	borrower	borrower	NOUN
fsr-3378	452	25	were	be	AUX
fsr-3378	452	26	to	to	PART
fsr-3378	452	27	authorize	authorize	VERB
fsr-3378	452	28	such	such	ADJ
fsr-3378	452	29	disclosure	disclosure	NOUN
fsr-3378	452	30	)	)	PUNCT
fsr-3378	452	31	.	.	PUNCT
fsr-3378	453	1	finally	finally	ADV
fsr-3378	453	2	,	,	PUNCT
fsr-3378	453	3	collection	collection	NOUN
fsr-3378	453	4	accounts	account	NOUN
fsr-3378	453	5	can	can	AUX
fsr-3378	453	6	grossly	grossly	ADV
fsr-3378	453	7	overstate	overstate	VERB
fsr-3378	453	8	the	the	DET
fsr-3378	453	9	amounts	amount	NOUN
fsr-3378	453	10	of	of	ADP
fsr-3378	453	11	debt	debt	NOUN
fsr-3378	453	12	involved	involve	VERB
fsr-3378	453	13	and	and	CCONJ
fsr-3378	453	14	often	often	ADV
fsr-3378	453	15	involve	involve	VERB
fsr-3378	453	16	disputed	dispute	VERB
fsr-3378	453	17	obligations	obligation	NOUN
fsr-3378	453	18	.	.	PUNCT
fsr-3378	454	1	late	late	ADJ
fsr-3378	454	2	payments	payment	NOUN
fsr-3378	454	3	and	and	CCONJ
fsr-3378	454	4	service	service	NOUN
fsr-3378	454	5	charges	charge	NOUN
fsr-3378	454	6	(	(	PUNCT
fsr-3378	454	7	sometimes	sometimes	ADV
fsr-3378	454	8	arbitrarily	arbitrarily	ADV
fsr-3378	454	9	imposed	impose	VERB
fsr-3378	454	10	by	by	ADP
fsr-3378	454	11	unscrupulous	unscrupulous	ADJ
fsr-3378	454	12	collectors	collector	NOUN
fsr-3378	454	13	)	)	PUNCT
fsr-3378	454	14	can	can	AUX
fsr-3378	454	15	overwhelm	overwhelm	VERB
fsr-3378	454	16	the	the	DET
fsr-3378	454	17	amount	amount	NOUN
fsr-3378	454	18	of	of	ADP
fsr-3378	454	19	an	an	DET
fsr-3378	454	20	original	original	ADJ
fsr-3378	454	21	debt	debt	NOUN
fsr-3378	454	22	.	.	PUNCT
fsr-3378	455	1	it	it	PRON
fsr-3378	455	2	is	be	AUX
fsr-3378	455	3	often	often	ADV
fsr-3378	455	4	impossible	impossible	ADJ
fsr-3378	455	5	to	to	PART
fsr-3378	455	6	tie	tie	VERB
fsr-3378	455	7	a	a	DET
fsr-3378	455	8	collection	collection	NOUN
fsr-3378	455	9	account	account	NOUN
fsr-3378	455	10	to	to	ADP
fsr-3378	455	11	an	an	DET
fsr-3378	455	12	original	original	ADJ
fsr-3378	455	13	obligation	obligation	NOUN
fsr-3378	455	14	or	or	CCONJ
fsr-3378	455	15	to	to	ADP
fsr-3378	455	16	nature	nature	NOUN
fsr-3378	455	17	of	of	ADP
fsr-3378	455	18	product	product	NOUN
fsr-3378	455	19	or	or	CCONJ
fsr-3378	455	20	service	service	NOUN
fsr-3378	455	21	involved	involve	VERB
fsr-3378	455	22	.	.	PUNCT
fsr-3378	456	1	a	a	DET
fsr-3378	456	2	collector	collector	NOUN
fsr-3378	456	3	may	may	AUX
fsr-3378	456	4	have	have	AUX
fsr-3378	456	5	purchased	purchase	VERB
fsr-3378	456	6	accounts	account	NOUN
fsr-3378	456	7	receivable	receivable	ADJ
fsr-3378	456	8	from	from	ADP
fsr-3378	456	9	landlords	landlord	NOUN
fsr-3378	456	10	,	,	PUNCT
fsr-3378	456	11	medical	medical	ADJ
fsr-3378	456	12	clinics	clinic	NOUN
fsr-3378	456	13	,	,	PUNCT
fsr-3378	456	14	or	or	CCONJ
fsr-3378	456	15	from	from	ADP
fsr-3378	456	16	a	a	DET
fsr-3378	456	17	bankrupt	bankrupt	ADJ
fsr-3378	456	18	enterprises	enterprise	NOUN
fsr-3378	456	19	that	that	PRON
fsr-3378	456	20	failed	fail	VERB
fsr-3378	456	21	to	to	PART
fsr-3378	456	22	meet	meet	VERB
fsr-3378	456	23	its	its	PRON
fsr-3378	456	24	obligations	obligation	NOUN
fsr-3378	456	25	to	to	ADP
fsr-3378	456	26	the	the	DET
fsr-3378	456	27	consumer	consumer	NOUN
fsr-3378	456	28	.	.	PUNCT
fsr-3378	457	1	further	further	ADJ
fsr-3378	457	2	documentation	documentation	NOUN
fsr-3378	457	3	regarding	regard	VERB
fsr-3378	457	4	the	the	DET
fsr-3378	457	5	nature	nature	NOUN
fsr-3378	457	6	of	of	ADP
fsr-3378	457	7	the	the	DET
fsr-3378	457	8	collection	collection	NOUN
fsr-3378	457	9	account	account	NOUN
fsr-3378	457	10	,	,	PUNCT
fsr-3378	457	11	the	the	DET
fsr-3378	457	12	original	original	ADJ
fsr-3378	457	13	creditor	creditor	NOUN
fsr-3378	457	14	,	,	PUNCT
fsr-3378	457	15	current	current	ADJ
fsr-3378	457	16	amount	amount	NOUN
fsr-3378	457	17	owing	owe	VERB
fsr-3378	457	18	,	,	PUNCT
fsr-3378	457	19	cumulative	cumulative	ADJ
fsr-3378	457	20	interest	interest	NOUN
fsr-3378	457	21	and	and	CCONJ
fsr-3378	457	22	service	service	NOUN
fsr-3378	457	23	charges	charge	NOUN
fsr-3378	457	24	,	,	PUNCT
fsr-3378	457	25	and	and	CCONJ
fsr-3378	457	26	magnitude	magnitude	NOUN
fsr-3378	457	27	of	of	ADP
fsr-3378	457	28	the	the	DET
fsr-3378	457	29	original	original	ADJ
fsr-3378	457	30	debt	debt	NOUN
fsr-3378	457	31	or	or	CCONJ
fsr-3378	457	32	credit	credit	NOUN
fsr-3378	457	33	line	line	NOUN
fsr-3378	457	34	(	(	PUNCT
fsr-3378	457	35	before	before	ADP
fsr-3378	457	36	default	default	NOUN
fsr-3378	457	37	)	)	PUNCT
fsr-3378	457	38	would	would	AUX
fsr-3378	457	39	improve	improve	VERB
fsr-3378	457	40	the	the	DET
fsr-3378	457	41	record	record	NOUN
fsr-3378	457	42	.	.	PUNCT
fsr-3378	458	1	6	6	X
fsr-3378	458	2	.	.	X
fsr-3378	458	3	conclusion	conclusion	NOUN
fsr-3378	458	4	and	and	CCONJ
fsr-3378	458	5	directions	direction	NOUN
fsr-3378	458	6	for	for	ADP
fsr-3378	458	7	future	future	ADJ
fsr-3378	458	8	research	research	NOUN
fsr-3378	458	9	with	with	ADP
fsr-3378	458	10	this	this	DET
fsr-3378	458	11	research	research	NOUN
fsr-3378	458	12	,	,	PUNCT
fsr-3378	458	13	we	we	PRON
fsr-3378	458	14	have	have	AUX
fsr-3378	458	15	confirmed	confirm	VERB
fsr-3378	458	16	some	some	DET
fsr-3378	458	17	patterns	pattern	NOUN
fsr-3378	458	18	observed	observe	VERB
fsr-3378	458	19	in	in	ADP
fsr-3378	458	20	previous	previous	ADJ
fsr-3378	458	21	studies	study	NOUN
fsr-3378	458	22	on	on	ADP
fsr-3378	458	23	the	the	DET
fsr-3378	458	24	use	use	NOUN
fsr-3378	458	25	of	of	ADP
fsr-3378	458	26	consumer	consumer	NOUN
fsr-3378	458	27	credit	credit	NOUN
fsr-3378	458	28	,	,	PUNCT
fsr-3378	458	29	refined	refine	VERB
fsr-3378	458	30	analysis	analysis	NOUN
fsr-3378	458	31	of	of	ADP
fsr-3378	458	32	consumers	consumer	NOUN
fsr-3378	458	33	’	'	PUNCT
fsr-3378	458	34	habits	habit	NOUN
fsr-3378	458	35	in	in	ADP
fsr-3378	458	36	managing	manage	VERB
fsr-3378	458	37	debt	debt	NOUN
fsr-3378	458	38	,	,	PUNCT
fsr-3378	458	39	and	and	CCONJ
fsr-3378	458	40	extended	extend	VERB
fsr-3378	458	41	the	the	DET
fsr-3378	458	42	inquiry	inquiry	NOUN
fsr-3378	458	43	to	to	PART
fsr-3378	458	44	encompass	encompass	VERB
fsr-3378	458	45	the	the	DET
fsr-3378	458	46	roles	role	NOUN
fsr-3378	458	47	that	that	PRON
fsr-3378	458	48	individual	individual	ADJ
fsr-3378	458	49	consumers	consumer	NOUN
fsr-3378	458	50	must	must	AUX
fsr-3378	458	51	play	play	VERB
fsr-3378	458	52	to	to	PART
fsr-3378	458	53	ensure	ensure	VERB
fsr-3378	458	54	that	that	SCONJ
fsr-3378	458	55	their	their	PRON
fsr-3378	458	56	credit	credit	NOUN
fsr-3378	458	57	records	record	NOUN
fsr-3378	458	58	are	be	AUX
fsr-3378	458	59	accurate	accurate	ADJ
fsr-3378	458	60	.	.	PUNCT
fsr-3378	459	1	a	a	DET
fsr-3378	459	2	series	series	NOUN
fsr-3378	459	3	of	of	ADP
fsr-3378	459	4	regression	regression	NOUN
fsr-3378	459	5	and	and	CCONJ
fsr-3378	459	6	logistic	logistic	ADJ
fsr-3378	459	7	models	model	NOUN
fsr-3378	459	8	at	at	ADP
fsr-3378	459	9	different	different	ADJ
fsr-3378	459	10	stages	stage	NOUN
fsr-3378	459	11	of	of	ADP
fsr-3378	459	12	the	the	DET
fsr-3378	459	13	credit	credit	NOUN
fsr-3378	459	14	cycle	cycle	NOUN
fsr-3378	459	15	reveals	reveal	VERB
fsr-3378	459	16	the	the	DET
fsr-3378	459	17	dynamics	dynamic	NOUN
fsr-3378	459	18	of	of	ADP
fsr-3378	459	19	the	the	DET
fsr-3378	459	20	conceptual	conceptual	ADJ
fsr-3378	459	21	model	model	NOUN
fsr-3378	459	22	from	from	ADP
fsr-3378	459	23	fig	fig	NOUN
fsr-3378	459	24	.	.	PUNCT
fsr-3378	460	1	1	1	X
fsr-3378	460	2	.	.	X
fsr-3378	460	3	consistently	consistently	ADV
fsr-3378	460	4	with	with	ADP
fsr-3378	460	5	previous	previous	ADJ
fsr-3378	460	6	research	research	NOUN
fsr-3378	460	7	,	,	PUNCT
fsr-3378	460	8	we	we	PRON
fsr-3378	460	9	see	see	VERB
fsr-3378	460	10	that	that	SCONJ
fsr-3378	460	11	credit	credit	NOUN
fsr-3378	460	12	usage	usage	NOUN
fsr-3378	460	13	depends	depend	VERB
fsr-3378	460	14	somewhat	somewhat	ADV
fsr-3378	460	15	on	on	ADP
fsr-3378	460	16	socio	socio	NOUN
fsr-3378	460	17	-	-	PUNCT
fsr-3378	460	18	economic	economic	ADJ
fsr-3378	460	19	factors	factor	NOUN
fsr-3378	460	20	but	but	CCONJ
fsr-3378	460	21	still	still	ADV
fsr-3378	460	22	varies	vary	VERB
fsr-3378	460	23	a	a	DET
fsr-3378	460	24	great	great	ADJ
fsr-3378	460	25	deal	deal	NOUN
fsr-3378	460	26	among	among	ADP
fsr-3378	460	27	individuals	individual	NOUN
fsr-3378	460	28	with	with	ADP
fsr-3378	460	29	similar	similar	ADJ
fsr-3378	460	30	educational	educational	ADJ
fsr-3378	460	31	backgrounds	background	NOUN
fsr-3378	460	32	,	,	PUNCT
fsr-3378	460	33	income	income	NOUN
fsr-3378	460	34	,	,	PUNCT
fsr-3378	460	35	family	family	NOUN
fsr-3378	460	36	resources	resource	NOUN
fsr-3378	460	37	,	,	PUNCT
fsr-3378	460	38	ethnicity	ethnicity	NOUN
fsr-3378	460	39	,	,	PUNCT
fsr-3378	460	40	major	major	ADJ
fsr-3378	460	41	family	family	NOUN
fsr-3378	460	42	events	event	NOUN
fsr-3378	460	43	,	,	PUNCT
fsr-3378	460	44	and	and	CCONJ
fsr-3378	460	45	so	so	ADV
fsr-3378	460	46	forth	forth	ADV
fsr-3378	460	47	.	.	PUNCT
fsr-3378	461	1	misuse	misuse	NOUN
fsr-3378	461	2	of	of	ADP
fsr-3378	461	3	credit	credit	NOUN
fsr-3378	461	4	and	and	CCONJ
fsr-3378	461	5	vulnerability	vulnerability	NOUN
fsr-3378	461	6	to	to	ADP
fsr-3378	461	7	adverse	adverse	ADJ
fsr-3378	461	8	events	event	NOUN
fsr-3378	461	9	occurs	occur	VERB
fsr-3378	461	10	in	in	ADP
fsr-3378	461	11	a	a	DET
fsr-3378	461	12	broad	broad	ADJ
fsr-3378	461	13	socio	socio	NOUN
fsr-3378	461	14	-	-	PUNCT
fsr-3378	461	15	economic	economic	ADJ
fsr-3378	461	16	spectrum	spectrum	NOUN
fsr-3378	461	17	.	.	PUNCT
fsr-3378	462	1	addressing	address	VERB
fsr-3378	462	2	our	our	PRON
fsr-3378	462	3	first	first	ADJ
fsr-3378	462	4	research	research	NOUN
fsr-3378	462	5	question	question	NOUN
fsr-3378	462	6	(	(	PUNCT
fsr-3378	462	7	whether	whether	SCONJ
fsr-3378	462	8	we	we	PRON
fsr-3378	462	9	can	can	AUX
fsr-3378	462	10	account	account	VERB
fsr-3378	462	11	for	for	ADP
fsr-3378	462	12	differences	difference	NOUN
fsr-3378	462	13	in	in	ADP
fsr-3378	462	14	individuals	individual	NOUN
fsr-3378	462	15	’	'	PUNCT
fsr-3378	462	16	success	success	NOUN
fsr-3378	462	17	in	in	ADP
fsr-3378	462	18	managing	manage	VERB
fsr-3378	462	19	their	their	PRON
fsr-3378	462	20	credit	credit	NOUN
fsr-3378	462	21	obligations	obligation	NOUN
fsr-3378	462	22	)	)	PUNCT
fsr-3378	462	23	,	,	PUNCT
fsr-3378	462	24	we	we	PRON
fsr-3378	462	25	see	see	VERB
fsr-3378	462	26	that	that	SCONJ
fsr-3378	462	27	the	the	DET
fsr-3378	462	28	credit	credit	NOUN
fsr-3378	462	29	record	record	NOUN
fsr-3378	462	30	(	(	PUNCT
fsr-3378	462	31	as	as	SCONJ
fsr-3378	462	32	revealed	reveal	VERB
fsr-3378	462	33	in	in	ADP
fsr-3378	462	34	the	the	DET
fsr-3378	462	35	average	average	ADJ
fsr-3378	462	36	fico	fico	NOUN
fsr-3378	462	37	scores	score	NOUN
fsr-3378	462	38	from	from	ADP
fsr-3378	462	39	the	the	DET
fsr-3378	462	40	three	three	NUM
fsr-3378	462	41	major	major	ADJ
fsr-3378	462	42	credit	credit	NOUN
fsr-3378	462	43	bureaus	bureaus	NOUN
fsr-3378	462	44	)	)	PUNCT
fsr-3378	462	45	is	be	AUX
fsr-3378	462	46	highly	highly	ADV
fsr-3378	462	47	related	related	ADJ
fsr-3378	462	48	to	to	ADP
fsr-3378	462	49	each	each	PRON
fsr-3378	462	50	of	of	ADP
fsr-3378	462	51	the	the	DET
fsr-3378	462	52	factors	factor	NOUN
fsr-3378	462	53	studied	study	VERB
fsr-3378	462	54	(	(	PUNCT
fsr-3378	462	55	family	family	NOUN
fsr-3378	462	56	resources	resource	NOUN
fsr-3378	462	57	,	,	PUNCT
fsr-3378	462	58	household	household	NOUN
fsr-3378	462	59	characteristics	characteristic	NOUN
fsr-3378	462	60	,	,	PUNCT
fsr-3378	462	61	demographic	demographic	ADJ
fsr-3378	462	62	attributes	attribute	NOUN
fsr-3378	462	63	,	,	PUNCT
fsr-3378	462	64	and	and	CCONJ
fsr-3378	462	65	occurrence	occurrence	NOUN
fsr-3378	462	66	of	of	ADP
fsr-3378	462	67	adverse	adverse	ADJ
fsr-3378	462	68	events)—and	events)—and	PROPN
fsr-3378	462	69	especially	especially	ADV
fsr-3378	462	70	related	relate	VERB
fsr-3378	462	71	to	to	ADP
fsr-3378	462	72	individuals	individual	NOUN
fsr-3378	462	73	’	'	PUNCT
fsr-3378	462	74	self	self	NOUN
fsr-3378	462	75	-	-	PUNCT
fsr-3378	462	76	reported	report	VERB
fsr-3378	462	77	20	20	NUM
fsr-3378	462	78	l.d	l.d	PROPN
fsr-3378	462	79	.	.	PROPN
fsr-3378	462	80	smith	smith	PROPN
fsr-3378	462	81	et	et	PROPN
fsr-3378	462	82	al	al	PROPN
fsr-3378	462	83	.	.	PUNCT
fsr-3378	462	84	/	/	SYM
fsr-3378	462	85	financial	financial	ADJ
fsr-3378	462	86	services	service	NOUN
fsr-3378	462	87	review	review	VERB
fsr-3378	462	88	27	27	NUM
fsr-3378	462	89	(	(	PUNCT
fsr-3378	462	90	2018	2018	NUM
fsr-3378	462	91	)	)	PUNCT
fsr-3378	462	92	1	1	NUM
fsr-3378	462	93	-	-	SYM
fsr-3378	462	94	28	28	NUM
fsr-3378	462	95	habits	habit	NOUN
fsr-3378	462	96	in	in	ADP
fsr-3378	462	97	meeting	meet	VERB
fsr-3378	462	98	their	their	PRON
fsr-3378	462	99	monthly	monthly	ADJ
fsr-3378	462	100	obligations	obligation	NOUN
fsr-3378	462	101	.	.	PUNCT
fsr-3378	463	1	we	we	PRON
fsr-3378	463	2	should	should	AUX
fsr-3378	463	3	note	note	VERB
fsr-3378	463	4	that	that	SCONJ
fsr-3378	463	5	,	,	PUNCT
fsr-3378	463	6	in	in	ADP
fsr-3378	463	7	our	our	PRON
fsr-3378	463	8	sample	sample	NOUN
fsr-3378	463	9	,	,	PUNCT
fsr-3378	463	10	just	just	ADV
fsr-3378	463	11	46	46	NUM
fsr-3378	463	12	%	%	NOUN
fsr-3378	463	13	of	of	ADP
fsr-3378	463	14	respondents	respondent	NOUN
fsr-3378	463	15	claimed	claim	VERB
fsr-3378	463	16	to	to	PART
fsr-3378	463	17	pay	pay	VERB
fsr-3378	463	18	off	off	ADP
fsr-3378	463	19	all	all	DET
fsr-3378	463	20	account	account	NOUN
fsr-3378	463	21	balances	balance	NOUN
fsr-3378	463	22	each	each	DET
fsr-3378	463	23	month	month	NOUN
fsr-3378	463	24	while	while	SCONJ
fsr-3378	463	25	the	the	DET
fsr-3378	463	26	triennial	triennial	ADJ
fsr-3378	463	27	survey	survey	NOUN
fsr-3378	463	28	of	of	ADP
fsr-3378	463	29	consumer	consumer	NOUN
fsr-3378	463	30	finances	finance	NOUN
fsr-3378	463	31	(	(	PUNCT
fsr-3378	463	32	bricker	bricker	NOUN
fsr-3378	463	33	et	et	NOUN
fsr-3378	463	34	al	al	PROPN
fsr-3378	463	35	.	.	PROPN
fsr-3378	463	36	,	,	PUNCT
fsr-3378	463	37	2014	2014	NUM
fsr-3378	463	38	)	)	PUNCT
fsr-3378	463	39	reported	report	VERB
fsr-3378	463	40	that	that	SCONJ
fsr-3378	463	41	the	the	DET
fsr-3378	463	42	percentage	percentage	NOUN
fsr-3378	463	43	of	of	ADP
fsr-3378	463	44	households	household	NOUN
fsr-3378	463	45	that	that	PRON
fsr-3378	463	46	habitually	habitually	ADV
fsr-3378	463	47	pay	pay	VERB
fsr-3378	463	48	off	off	ADP
fsr-3378	463	49	credit	credit	NOUN
fsr-3378	463	50	card	card	NOUN
fsr-3378	463	51	balances	balance	NOUN
fsr-3378	463	52	each	each	DET
fsr-3378	463	53	month	month	NOUN
fsr-3378	463	54	increased	increase	VERB
fsr-3378	463	55	by	by	ADP
fsr-3378	463	56	10.5	10.5	NUM
fsr-3378	463	57	percentage	percentage	NOUN
fsr-3378	463	58	points	point	NOUN
fsr-3378	463	59	(	(	PUNCT
fsr-3378	463	60	from	from	ADP
fsr-3378	463	61	57.9	57.9	NUM
fsr-3378	463	62	to	to	ADP
fsr-3378	463	63	64.0	64.0	NUM
fsr-3378	463	64	)	)	PUNCT
fsr-3378	463	65	over	over	ADP
fsr-3378	463	66	the	the	DET
fsr-3378	463	67	period	period	NOUN
fsr-3378	463	68	2001	2001	NUM
fsr-3378	463	69	to	to	ADP
fsr-3378	463	70	2013	2013	NUM
fsr-3378	463	71	.	.	PUNCT
fsr-3378	464	1	responses	response	NOUN
fsr-3378	464	2	in	in	ADP
fsr-3378	464	3	our	our	PRON
fsr-3378	464	4	study	study	NOUN
fsr-3378	464	5	were	be	AUX
fsr-3378	464	6	given	give	VERB
fsr-3378	464	7	after	after	ADP
fsr-3378	464	8	an	an	DET
fsr-3378	464	9	intensive	intensive	ADJ
fsr-3378	464	10	review	review	NOUN
fsr-3378	464	11	of	of	ADP
fsr-3378	464	12	the	the	DET
fsr-3378	464	13	individuals	individual	NOUN
fsr-3378	464	14	’	’	PART
fsr-3378	464	15	credit	credit	NOUN
fsr-3378	464	16	reports	report	NOUN
fsr-3378	464	17	.	.	PUNCT
fsr-3378	465	1	this	this	DET
fsr-3378	465	2	review	review	NOUN
fsr-3378	465	3	,	,	PUNCT
fsr-3378	465	4	even	even	ADV
fsr-3378	465	5	though	though	SCONJ
fsr-3378	465	6	the	the	DET
fsr-3378	465	7	credit	credit	NOUN
fsr-3378	465	8	reports	report	NOUN
fsr-3378	465	9	do	do	AUX
fsr-3378	465	10	not	not	PART
fsr-3378	465	11	explicitly	explicitly	ADV
fsr-3378	465	12	indicate	indicate	VERB
fsr-3378	465	13	whether	whether	SCONJ
fsr-3378	465	14	balances	balance	NOUN
fsr-3378	465	15	on	on	ADP
fsr-3378	465	16	revolving	revolve	VERB
fsr-3378	465	17	credit	credit	NOUN
fsr-3378	465	18	are	be	AUX
fsr-3378	465	19	paid	pay	VERB
fsr-3378	465	20	in	in	ADP
fsr-3378	465	21	full	full	ADJ
fsr-3378	465	22	each	each	DET
fsr-3378	465	23	month	month	NOUN
fsr-3378	465	24	,	,	PUNCT
fsr-3378	465	25	may	may	AUX
fsr-3378	465	26	increase	increase	VERB
fsr-3378	465	27	the	the	DET
fsr-3378	465	28	accuracy	accuracy	NOUN
fsr-3378	465	29	of	of	ADP
fsr-3378	465	30	consumers	consumer	NOUN
fsr-3378	465	31	’	'	PUNCT
fsr-3378	465	32	responses	response	NOUN
fsr-3378	465	33	to	to	ADP
fsr-3378	465	34	questions	question	NOUN
fsr-3378	465	35	about	about	ADP
fsr-3378	465	36	their	their	PRON
fsr-3378	465	37	payment	payment	NOUN
fsr-3378	465	38	habits	habit	NOUN
fsr-3378	465	39	.	.	PUNCT
fsr-3378	466	1	with	with	SCONJ
fsr-3378	466	2	credit	credit	NOUN
fsr-3378	466	3	usage	usage	NOUN
fsr-3378	466	4	and	and	CCONJ
fsr-3378	466	5	payment	payment	NOUN
fsr-3378	466	6	behavior	behavior	NOUN
fsr-3378	466	7	related	relate	VERB
fsr-3378	466	8	,	,	PUNCT
fsr-3378	466	9	however	however	ADV
fsr-3378	466	10	,	,	PUNCT
fsr-3378	466	11	to	to	ADP
fsr-3378	466	12	household	household	NOUN
fsr-3378	466	13	resources	resource	NOUN
fsr-3378	466	14	,	,	PUNCT
fsr-3378	466	15	adverse	adverse	ADJ
fsr-3378	466	16	events	event	NOUN
fsr-3378	466	17	,	,	PUNCT
fsr-3378	466	18	and	and	CCONJ
fsr-3378	466	19	demographic	demographic	ADJ
fsr-3378	466	20	characteristics	characteristic	NOUN
fsr-3378	466	21	,	,	PUNCT
fsr-3378	466	22	some	some	PRON
fsr-3378	466	23	of	of	ADP
fsr-3378	466	24	the	the	DET
fsr-3378	466	25	difference	difference	NOUN
fsr-3378	466	26	may	may	AUX
fsr-3378	466	27	be	be	AUX
fsr-3378	466	28	related	relate	VERB
fsr-3378	466	29	to	to	ADP
fsr-3378	466	30	composition	composition	NOUN
fsr-3378	466	31	of	of	ADP
fsr-3378	466	32	the	the	DET
fsr-3378	466	33	respective	respective	ADJ
fsr-3378	466	34	samples	sample	NOUN
fsr-3378	466	35	or	or	CCONJ
fsr-3378	466	36	to	to	ADP
fsr-3378	466	37	interpretation	interpretation	NOUN
fsr-3378	466	38	of	of	ADP
fsr-3378	466	39	the	the	DET
fsr-3378	466	40	meaning	meaning	NOUN
fsr-3378	466	41	of	of	ADP
fsr-3378	466	42	“	"	PUNCT
fsr-3378	466	43	normally	normally	ADV
fsr-3378	466	44	paying	pay	VERB
fsr-3378	466	45	of	of	ADP
fsr-3378	466	46	all	all	DET
fsr-3378	466	47	balances	balance	NOUN
fsr-3378	466	48	”	"	PUNCT
fsr-3378	466	49	in	in	ADP
fsr-3378	466	50	the	the	DET
fsr-3378	466	51	respective	respective	ADJ
fsr-3378	466	52	surveys	survey	NOUN
fsr-3378	466	53	.	.	PUNCT
fsr-3378	467	1	addressing	address	VERB
fsr-3378	467	2	the	the	DET
fsr-3378	467	3	second	second	ADJ
fsr-3378	467	4	research	research	NOUN
fsr-3378	467	5	question	question	NOUN
fsr-3378	467	6	(	(	PUNCT
fsr-3378	467	7	whether	whether	SCONJ
fsr-3378	467	8	individuals	individual	NOUN
fsr-3378	467	9	in	in	ADP
fsr-3378	467	10	some	some	DET
fsr-3378	467	11	demographic	demographic	ADJ
fsr-3378	467	12	groups	group	NOUN
fsr-3378	467	13	are	be	AUX
fsr-3378	467	14	more	more	ADV
fsr-3378	467	15	vulnerable	vulnerable	ADJ
fsr-3378	467	16	to	to	ADP
fsr-3378	467	17	inaccuracies	inaccuracy	NOUN
fsr-3378	467	18	in	in	ADP
fsr-3378	467	19	their	their	PRON
fsr-3378	467	20	credit	credit	NOUN
fsr-3378	467	21	reports	report	NOUN
fsr-3378	467	22	)	)	PUNCT
fsr-3378	467	23	,	,	PUNCT
fsr-3378	467	24	we	we	PRON
fsr-3378	467	25	see	see	VERB
fsr-3378	467	26	that	that	SCONJ
fsr-3378	467	27	the	the	DET
fsr-3378	467	28	propensity	propensity	NOUN
fsr-3378	467	29	to	to	PART
fsr-3378	467	30	identify	identify	VERB
fsr-3378	467	31	alleged	alleged	ADJ
fsr-3378	467	32	errors	error	NOUN
fsr-3378	467	33	in	in	ADP
fsr-3378	467	34	the	the	DET
fsr-3378	467	35	credit	credit	NOUN
fsr-3378	467	36	records	record	NOUN
fsr-3378	467	37	is	be	AUX
fsr-3378	467	38	primarily	primarily	ADV
fsr-3378	467	39	related	relate	VERB
fsr-3378	467	40	to	to	ADP
fsr-3378	467	41	the	the	DET
fsr-3378	467	42	nature	nature	NOUN
fsr-3378	467	43	of	of	ADP
fsr-3378	467	44	the	the	DET
fsr-3378	467	45	person	person	NOUN
fsr-3378	467	46	’s	’s	PART
fsr-3378	467	47	credit	credit	NOUN
fsr-3378	467	48	record	record	NOUN
fsr-3378	467	49	rather	rather	ADV
fsr-3378	467	50	than	than	ADP
fsr-3378	467	51	standard	standard	ADJ
fsr-3378	467	52	demographic	demographic	ADJ
fsr-3378	467	53	characteristics	characteristic	NOUN
fsr-3378	467	54	of	of	ADP
fsr-3378	467	55	the	the	DET
fsr-3378	467	56	person	person	NOUN
fsr-3378	467	57	.	.	PUNCT
fsr-3378	468	1	some	some	DET
fsr-3378	468	2	demographic	demographic	ADJ
fsr-3378	468	3	groups	group	NOUN
fsr-3378	468	4	,	,	PUNCT
fsr-3378	468	5	however	however	ADV
fsr-3378	468	6	,	,	PUNCT
fsr-3378	468	7	are	be	AUX
fsr-3378	468	8	more	more	ADV
fsr-3378	468	9	prone	prone	ADJ
fsr-3378	468	10	to	to	ADP
fsr-3378	468	11	usage	usage	NOUN
fsr-3378	468	12	of	of	ADP
fsr-3378	468	13	credit	credit	NOUN
fsr-3378	468	14	without	without	ADP
fsr-3378	468	15	paying	pay	VERB
fsr-3378	468	16	off	off	ADP
fsr-3378	468	17	all	all	DET
fsr-3378	468	18	balances	balance	NOUN
fsr-3378	468	19	each	each	DET
fsr-3378	468	20	month	month	NOUN
fsr-3378	468	21	.	.	PUNCT
fsr-3378	469	1	that	that	PRON
fsr-3378	469	2	makes	make	VERB
fsr-3378	469	3	them	they	PRON
fsr-3378	469	4	more	more	ADV
fsr-3378	469	5	vulnerable	vulnerable	ADJ
fsr-3378	469	6	to	to	ADP
fsr-3378	469	7	reporting	reporting	NOUN
fsr-3378	469	8	of	of	ADP
fsr-3378	469	9	derogatory	derogatory	ADJ
fsr-3378	469	10	information	information	NOUN
fsr-3378	469	11	in	in	ADP
fsr-3378	469	12	the	the	DET
fsr-3378	469	13	credit	credit	NOUN
fsr-3378	469	14	file	file	NOUN
fsr-3378	469	15	and	and	CCONJ
fsr-3378	469	16	,	,	PUNCT
fsr-3378	469	17	indirectly	indirectly	ADV
fsr-3378	469	18	,	,	PUNCT
fsr-3378	469	19	more	more	ADV
fsr-3378	469	20	prone	prone	ADJ
fsr-3378	469	21	to	to	ADP
fsr-3378	469	22	errors	error	NOUN
fsr-3378	469	23	that	that	PRON
fsr-3378	469	24	can	can	AUX
fsr-3378	469	25	affect	affect	VERB
fsr-3378	469	26	the	the	DET
fsr-3378	469	27	credit	credit	NOUN
fsr-3378	469	28	report	report	NOUN
fsr-3378	469	29	.	.	PUNCT
fsr-3378	470	1	our	our	PRON
fsr-3378	470	2	findings	finding	NOUN
fsr-3378	470	3	in	in	ADP
fsr-3378	470	4	this	this	DET
fsr-3378	470	5	regard	regard	NOUN
fsr-3378	470	6	reinforce	reinforce	VERB
fsr-3378	470	7	those	those	PRON
fsr-3378	470	8	of	of	ADP
fsr-3378	470	9	avery	avery	PROPN
fsr-3378	470	10	et	et	PROPN
fsr-3378	470	11	al	al	PROPN
fsr-3378	470	12	.	.	PROPN
fsr-3378	470	13	,	,	PUNCT
fsr-3378	470	14	(	(	PUNCT
fsr-3378	470	15	2012	2012	NUM
fsr-3378	470	16	)	)	PUNCT
fsr-3378	470	17	but	but	CCONJ
fsr-3378	470	18	with	with	ADP
fsr-3378	470	19	added	add	VERB
fsr-3378	470	20	precision	precision	NOUN
fsr-3378	470	21	from	from	ADP
fsr-3378	470	22	our	our	PRON
fsr-3378	470	23	directly	directly	ADV
fsr-3378	470	24	addressing	address	VERB
fsr-3378	470	25	the	the	DET
fsr-3378	470	26	issues	issue	NOUN
fsr-3378	470	27	in	in	ADP
fsr-3378	470	28	our	our	PRON
fsr-3378	470	29	extensive	extensive	ADJ
fsr-3378	470	30	interviews	interview	NOUN
fsr-3378	470	31	with	with	ADP
fsr-3378	470	32	the	the	DET
fsr-3378	470	33	consumers	consumer	NOUN
fsr-3378	470	34	and	and	CCONJ
fsr-3378	470	35	our	our	PRON
fsr-3378	470	36	joint	joint	ADJ
fsr-3378	470	37	reviews	review	NOUN
fsr-3378	470	38	of	of	ADP
fsr-3378	470	39	their	their	PRON
fsr-3378	470	40	credit	credit	NOUN
fsr-3378	470	41	reports	report	NOUN
fsr-3378	470	42	.	.	PUNCT
fsr-3378	471	1	incidence	incidence	NOUN
fsr-3378	471	2	of	of	ADP
fsr-3378	471	3	adverse	adverse	ADJ
fsr-3378	471	4	impact	impact	NOUN
fsr-3378	471	5	is	be	AUX
fsr-3378	471	6	much	much	ADV
fsr-3378	471	7	lower	low	ADJ
fsr-3378	471	8	than	than	ADP
fsr-3378	471	9	previously	previously	ADV
fsr-3378	471	10	reported	report	VERB
fsr-3378	471	11	in	in	ADP
fsr-3378	471	12	studies	study	NOUN
fsr-3378	471	13	by	by	ADP
fsr-3378	471	14	various	various	ADJ
fsr-3378	471	15	advocacy	advocacy	NOUN
fsr-3378	471	16	groups	group	NOUN
fsr-3378	471	17	but	but	CCONJ
fsr-3378	471	18	a	a	DET
fsr-3378	471	19	significant	significant	ADJ
fsr-3378	471	20	number	number	NOUN
fsr-3378	471	21	of	of	ADP
fsr-3378	471	22	consumers	consumer	NOUN
fsr-3378	471	23	in	in	ADP
fsr-3378	471	24	our	our	PRON
fsr-3378	471	25	sample	sample	NOUN
fsr-3378	471	26	(	(	PUNCT
fsr-3378	471	27	5.5	5.5	NUM
fsr-3378	471	28	%	%	NOUN
fsr-3378	471	29	)	)	PUNCT
fsr-3378	471	30	had	have	VERB
fsr-3378	471	31	a	a	DET
fsr-3378	471	32	credit	credit	NOUN
fsr-3378	471	33	score	score	NOUN
fsr-3378	471	34	cross	cross	VERB
fsr-3378	471	35	a	a	DET
fsr-3378	471	36	threshold	threshold	NOUN
fsr-3378	471	37	for	for	ADP
fsr-3378	471	38	more	more	ADV
fsr-3378	471	39	favorable	favorable	ADJ
fsr-3378	471	40	credit	credit	NOUN
fsr-3378	471	41	terms	term	NOUN
fsr-3378	471	42	after	after	SCONJ
fsr-3378	471	43	errors	error	NOUN
fsr-3378	471	44	were	be	AUX
fsr-3378	471	45	corrected	correct	VERB
fsr-3378	471	46	in	in	ADP
fsr-3378	471	47	their	their	PRON
fsr-3378	471	48	credit	credit	NOUN
fsr-3378	471	49	files	file	NOUN
fsr-3378	471	50	.	.	PUNCT
fsr-3378	472	1	addressing	address	VERB
fsr-3378	472	2	the	the	DET
fsr-3378	472	3	final	final	ADJ
fsr-3378	472	4	research	research	NOUN
fsr-3378	472	5	question	question	NOUN
fsr-3378	472	6	(	(	PUNCT
fsr-3378	472	7	whether	whether	SCONJ
fsr-3378	472	8	some	some	DET
fsr-3378	472	9	demographic	demographic	ADJ
fsr-3378	472	10	groups	group	NOUN
fsr-3378	472	11	are	be	AUX
fsr-3378	472	12	more	more	ADV
fsr-3378	472	13	successful	successful	ADJ
fsr-3378	472	14	than	than	ADP
fsr-3378	472	15	others	other	NOUN
fsr-3378	472	16	in	in	ADP
fsr-3378	472	17	getting	get	VERB
fsr-3378	472	18	alleged	alleged	ADJ
fsr-3378	472	19	errors	error	NOUN
fsr-3378	472	20	rectified	rectify	VERB
fsr-3378	472	21	)	)	PUNCT
fsr-3378	472	22	,	,	PUNCT
fsr-3378	472	23	we	we	PRON
fsr-3378	472	24	see	see	VERB
fsr-3378	472	25	that	that	SCONJ
fsr-3378	472	26	the	the	DET
fsr-3378	472	27	outcomes	outcome	NOUN
fsr-3378	472	28	of	of	ADP
fsr-3378	472	29	disputes	dispute	NOUN
fsr-3378	472	30	are	be	AUX
fsr-3378	472	31	similarly	similarly	ADV
fsr-3378	472	32	related	relate	VERB
fsr-3378	472	33	to	to	ADP
fsr-3378	472	34	the	the	DET
fsr-3378	472	35	credit	credit	NOUN
fsr-3378	472	36	record	record	NOUN
fsr-3378	472	37	rather	rather	ADV
fsr-3378	472	38	than	than	ADP
fsr-3378	472	39	to	to	ADP
fsr-3378	472	40	the	the	DET
fsr-3378	472	41	demographic	demographic	ADJ
fsr-3378	472	42	characteristics	characteristic	NOUN
fsr-3378	472	43	of	of	ADP
fsr-3378	472	44	the	the	DET
fsr-3378	472	45	disputant	disputant	ADJ
fsr-3378	472	46	(	(	PUNCT
fsr-3378	472	47	provided	provide	VERB
fsr-3378	472	48	,	,	PUNCT
fsr-3378	472	49	of	of	ADP
fsr-3378	472	50	course	course	NOUN
fsr-3378	472	51	,	,	PUNCT
fsr-3378	472	52	that	that	SCONJ
fsr-3378	472	53	disputes	dispute	NOUN
fsr-3378	472	54	are	be	AUX
fsr-3378	472	55	registered	register	VERB
fsr-3378	472	56	with	with	ADP
fsr-3378	472	57	necessary	necessary	ADJ
fsr-3378	472	58	clarity	clarity	NOUN
fsr-3378	472	59	)	)	PUNCT
fsr-3378	472	60	.	.	PUNCT
fsr-3378	473	1	disputes	dispute	NOUN
fsr-3378	473	2	filed	file	VERB
fsr-3378	473	3	with	with	ADP
fsr-3378	473	4	credit	credit	NOUN
fsr-3378	473	5	bureaus	bureaus	NOUN
fsr-3378	473	6	to	to	PART
fsr-3378	473	7	correct	correct	VERB
fsr-3378	473	8	alleged	allege	VERB
fsr-3378	473	9	errors	error	NOUN
fsr-3378	473	10	are	be	AUX
fsr-3378	473	11	most	most	ADV
fsr-3378	473	12	likely	likely	ADJ
fsr-3378	473	13	to	to	PART
fsr-3378	473	14	produce	produce	VERB
fsr-3378	473	15	material	material	NOUN
fsr-3378	473	16	improvements	improvement	NOUN
fsr-3378	473	17	in	in	ADP
fsr-3378	473	18	the	the	DET
fsr-3378	473	19	disputant	disputant	NOUN
fsr-3378	473	20	’s	’s	PART
fsr-3378	473	21	credit	credit	NOUN
fsr-3378	473	22	score	score	NOUN
fsr-3378	473	23	if	if	SCONJ
fsr-3378	473	24	the	the	DET
fsr-3378	473	25	current	current	ADJ
fsr-3378	473	26	score	score	NOUN
fsr-3378	473	27	is	be	AUX
fsr-3378	473	28	in	in	ADP
fsr-3378	473	29	the	the	DET
fsr-3378	473	30	second	second	ADJ
fsr-3378	473	31	or	or	CCONJ
fsr-3378	473	32	third	third	ADJ
fsr-3378	473	33	quintile	quintile	NOUN
fsr-3378	473	34	(	(	PUNCT
fsr-3378	473	35	at	at	ADP
fsr-3378	473	36	or	or	CCONJ
fsr-3378	473	37	slightly	slightly	ADV
fsr-3378	473	38	below	below	ADP
fsr-3378	473	39	average)—regardless	average)—regardless	NOUN
fsr-3378	473	40	of	of	ADP
fsr-3378	473	41	the	the	DET
fsr-3378	473	42	demographic	demographic	ADJ
fsr-3378	473	43	characteristics	characteristic	NOUN
fsr-3378	473	44	of	of	ADP
fsr-3378	473	45	the	the	DET
fsr-3378	473	46	disputant	disputant	NOUN
fsr-3378	473	47	.	.	PUNCT
fsr-3378	474	1	individuals	individual	NOUN
fsr-3378	474	2	with	with	ADP
fsr-3378	474	3	very	very	ADV
fsr-3378	474	4	poor	poor	ADJ
fsr-3378	474	5	or	or	CCONJ
fsr-3378	474	6	exceptionally	exceptionally	ADV
fsr-3378	474	7	good	good	ADJ
fsr-3378	474	8	credit	credit	NOUN
fsr-3378	474	9	records	record	NOUN
fsr-3378	474	10	are	be	AUX
fsr-3378	474	11	less	less	ADV
fsr-3378	474	12	likely	likely	ADJ
fsr-3378	474	13	to	to	PART
fsr-3378	474	14	see	see	VERB
fsr-3378	474	15	material	material	NOUN
fsr-3378	474	16	differences	difference	NOUN
fsr-3378	474	17	in	in	ADP
fsr-3378	474	18	their	their	PRON
fsr-3378	474	19	credit	credit	NOUN
fsr-3378	474	20	standing	stand	VERB
fsr-3378	474	21	from	from	ADP
fsr-3378	474	22	corrections	correction	NOUN
fsr-3378	474	23	to	to	ADP
fsr-3378	474	24	the	the	DET
fsr-3378	474	25	credit	credit	NOUN
fsr-3378	474	26	files	file	NOUN
fsr-3378	474	27	,	,	PUNCT
fsr-3378	474	28	but	but	CCONJ
fsr-3378	474	29	for	for	ADP
fsr-3378	474	30	different	different	ADJ
fsr-3378	474	31	reasons	reason	NOUN
fsr-3378	474	32	.	.	PUNCT
fsr-3378	475	1	several	several	ADJ
fsr-3378	475	2	issues	issue	NOUN
fsr-3378	475	3	call	call	VERB
fsr-3378	475	4	for	for	ADP
fsr-3378	475	5	further	further	ADJ
fsr-3378	475	6	research	research	NOUN
fsr-3378	475	7	.	.	PUNCT
fsr-3378	476	1	first	first	ADV
fsr-3378	476	2	,	,	PUNCT
fsr-3378	476	3	while	while	SCONJ
fsr-3378	476	4	our	our	PRON
fsr-3378	476	5	results	result	NOUN
fsr-3378	476	6	suggest	suggest	VERB
fsr-3378	476	7	that	that	SCONJ
fsr-3378	476	8	the	the	DET
fsr-3378	476	9	dispute	dispute	NOUN
fsr-3378	476	10	resolution	resolution	NOUN
fsr-3378	476	11	process	process	NOUN
fsr-3378	476	12	is	be	AUX
fsr-3378	476	13	reasonably	reasonably	ADV
fsr-3378	476	14	effective	effective	ADJ
fsr-3378	476	15	,	,	PUNCT
fsr-3378	476	16	it	it	PRON
fsr-3378	476	17	should	should	AUX
fsr-3378	476	18	be	be	AUX
fsr-3378	476	19	remembered	remember	VERB
fsr-3378	476	20	that	that	SCONJ
fsr-3378	476	21	study	study	NOUN
fsr-3378	476	22	participants	participant	NOUN
fsr-3378	476	23	were	be	AUX
fsr-3378	476	24	carefully	carefully	ADV
fsr-3378	476	25	guided	guide	VERB
fsr-3378	476	26	through	through	ADP
fsr-3378	476	27	the	the	DET
fsr-3378	476	28	dispute	dispute	NOUN
fsr-3378	476	29	process	process	NOUN
fsr-3378	476	30	to	to	PART
fsr-3378	476	31	ensure	ensure	VERB
fsr-3378	476	32	that	that	SCONJ
fsr-3378	476	33	our	our	PRON
fsr-3378	476	34	measures	measure	NOUN
fsr-3378	476	35	of	of	ADP
fsr-3378	476	36	accuracy	accuracy	NOUN
fsr-3378	476	37	and	and	CCONJ
fsr-3378	476	38	adverse	adverse	ADJ
fsr-3378	476	39	impact	impact	NOUN
fsr-3378	476	40	were	be	AUX
fsr-3378	476	41	as	as	ADV
fsr-3378	476	42	accurate	accurate	ADJ
fsr-3378	476	43	as	as	ADP
fsr-3378	476	44	possible	possible	ADJ
fsr-3378	476	45	.	.	PUNCT
fsr-3378	477	1	we	we	PRON
fsr-3378	477	2	did	do	AUX
fsr-3378	477	3	not	not	PART
fsr-3378	477	4	test	test	VERB
fsr-3378	477	5	whether	whether	SCONJ
fsr-3378	477	6	individuals	individual	NOUN
fsr-3378	477	7	with	with	ADP
fsr-3378	477	8	alleged	allege	VERB
fsr-3378	477	9	errors	error	NOUN
fsr-3378	477	10	in	in	ADP
fsr-3378	477	11	their	their	PRON
fsr-3378	477	12	credit	credit	NOUN
fsr-3378	477	13	reports	report	NOUN
fsr-3378	477	14	are	be	AUX
fsr-3378	477	15	able	able	ADJ
fsr-3378	477	16	to	to	PART
fsr-3378	477	17	document	document	VERB
fsr-3378	477	18	them	they	PRON
fsr-3378	477	19	effectively	effectively	ADV
fsr-3378	477	20	on	on	ADP
fsr-3378	477	21	their	their	PRON
fsr-3378	477	22	own	own	ADJ
fsr-3378	477	23	and	and	CCONJ
fsr-3378	477	24	be	be	AUX
fsr-3378	477	25	as	as	ADV
fsr-3378	477	26	successful	successful	ADJ
fsr-3378	477	27	in	in	ADP
fsr-3378	477	28	having	have	VERB
fsr-3378	477	29	changes	change	NOUN
fsr-3378	477	30	made	make	VERB
fsr-3378	477	31	as	as	SCONJ
fsr-3378	477	32	did	do	VERB
fsr-3378	477	33	the	the	DET
fsr-3378	477	34	participants	participant	NOUN
fsr-3378	477	35	in	in	ADP
fsr-3378	477	36	our	our	PRON
fsr-3378	477	37	study	study	NOUN
fsr-3378	477	38	.	.	PUNCT
fsr-3378	478	1	second	second	ADJ
fsr-3378	478	2	,	,	PUNCT
fsr-3378	478	3	given	give	VERB
fsr-3378	478	4	that	that	SCONJ
fsr-3378	478	5	fewer	few	ADJ
fsr-3378	478	6	than	than	ADP
fsr-3378	478	7	one	one	NUM
fsr-3378	478	8	in	in	ADP
fsr-3378	478	9	six	six	NUM
fsr-3378	478	10	of	of	ADP
fsr-3378	478	11	our	our	PRON
fsr-3378	478	12	study	study	NOUN
fsr-3378	478	13	participants	participant	NOUN
fsr-3378	478	14	had	have	AUX
fsr-3378	478	15	reviewed	review	VERB
fsr-3378	478	16	their	their	PRON
fsr-3378	478	17	credit	credit	NOUN
fsr-3378	478	18	reports	report	NOUN
fsr-3378	478	19	in	in	ADP
fsr-3378	478	20	the	the	DET
fsr-3378	478	21	two	two	NUM
fsr-3378	478	22	years	year	NOUN
fsr-3378	478	23	before	before	ADP
fsr-3378	478	24	joining	join	VERB
fsr-3378	478	25	the	the	DET
fsr-3378	478	26	study	study	NOUN
fsr-3378	478	27	,	,	PUNCT
fsr-3378	478	28	one	one	PRON
fsr-3378	478	29	is	be	AUX
fsr-3378	478	30	compelled	compel	VERB
fsr-3378	478	31	to	to	PART
fsr-3378	478	32	ask	ask	VERB
fsr-3378	478	33	why	why	SCONJ
fsr-3378	478	34	consumers	consumer	NOUN
fsr-3378	478	35	do	do	AUX
fsr-3378	478	36	not	not	PART
fsr-3378	478	37	exert	exert	VERB
fsr-3378	478	38	the	the	DET
fsr-3378	478	39	effort	effort	NOUN
fsr-3378	478	40	necessary	necessary	ADJ
fsr-3378	478	41	to	to	PART
fsr-3378	478	42	do	do	VERB
fsr-3378	478	43	so	so	ADV
fsr-3378	478	44	.	.	PUNCT
fsr-3378	479	1	in	in	ADP
fsr-3378	479	2	an	an	DET
fsr-3378	479	3	era	era	NOUN
fsr-3378	479	4	of	of	ADP
fsr-3378	479	5	well	well	ADV
fsr-3378	479	6	-	-	PUNCT
fsr-3378	479	7	publicized	publicize	VERB
fsr-3378	479	8	data	data	NOUN
fsr-3378	479	9	breaches	breach	NOUN
fsr-3378	479	10	and	and	CCONJ
fsr-3378	479	11	identity	identity	NOUN
fsr-3378	479	12	theft	theft	NOUN
fsr-3378	479	13	,	,	PUNCT
fsr-3378	479	14	one	one	NUM
fsr-3378	479	15	21l.d	21l.d	NUM
fsr-3378	479	16	.	.	PUNCT
fsr-3378	480	1	smith	smith	PROPN
fsr-3378	480	2	et	et	PROPN
fsr-3378	480	3	al	al	PROPN
fsr-3378	480	4	.	.	PUNCT
fsr-3378	480	5	/	/	SYM
fsr-3378	480	6	financial	financial	ADJ
fsr-3378	480	7	services	service	NOUN
fsr-3378	480	8	review	review	VERB
fsr-3378	480	9	27	27	NUM
fsr-3378	480	10	(	(	PUNCT
fsr-3378	480	11	2018	2018	NUM
fsr-3378	480	12	)	)	PUNCT
fsr-3378	480	13	1	1	NUM
fsr-3378	480	14	-	-	SYM
fsr-3378	480	15	28	28	NUM
fsr-3378	480	16	would	would	AUX
fsr-3378	480	17	expect	expect	VERB
fsr-3378	480	18	consumers	consumer	NOUN
fsr-3378	480	19	to	to	PART
fsr-3378	480	20	be	be	AUX
fsr-3378	480	21	more	more	ADV
fsr-3378	480	22	vigilant	vigilant	ADJ
fsr-3378	480	23	than	than	SCONJ
fsr-3378	480	24	they	they	PRON
fsr-3378	480	25	seem	seem	VERB
fsr-3378	480	26	to	to	PART
fsr-3378	480	27	be	be	AUX
fsr-3378	480	28	.	.	PUNCT
fsr-3378	481	1	finally	finally	ADV
fsr-3378	481	2	,	,	PUNCT
fsr-3378	481	3	given	give	VERB
fsr-3378	481	4	that	that	SCONJ
fsr-3378	481	5	the	the	DET
fsr-3378	481	6	regulatory	regulatory	ADJ
fsr-3378	481	7	model	model	NOUN
fsr-3378	481	8	in	in	ADP
fsr-3378	481	9	place	place	NOUN
fsr-3378	481	10	is	be	AUX
fsr-3378	481	11	reliant	reliant	ADJ
fsr-3378	481	12	on	on	ADP
fsr-3378	481	13	the	the	DET
fsr-3378	481	14	ability	ability	NOUN
fsr-3378	481	15	and	and	CCONJ
fsr-3378	481	16	willingness	willingness	NOUN
fsr-3378	481	17	of	of	ADP
fsr-3378	481	18	consumers	consumer	NOUN
fsr-3378	481	19	to	to	PART
fsr-3378	481	20	monitor	monitor	VERB
fsr-3378	481	21	the	the	DET
fsr-3378	481	22	accuracy	accuracy	NOUN
fsr-3378	481	23	of	of	ADP
fsr-3378	481	24	the	the	DET
fsr-3378	481	25	information	information	NOUN
fsr-3378	481	26	in	in	ADP
fsr-3378	481	27	their	their	PRON
fsr-3378	481	28	credit	credit	NOUN
fsr-3378	481	29	files	file	NOUN
fsr-3378	481	30	,	,	PUNCT
fsr-3378	481	31	one	one	PRON
fsr-3378	481	32	must	must	AUX
fsr-3378	481	33	ask	ask	VERB
fsr-3378	481	34	if	if	SCONJ
fsr-3378	481	35	this	this	DET
fsr-3378	481	36	process	process	NOUN
fsr-3378	481	37	could	could	AUX
fsr-3378	481	38	be	be	AUX
fsr-3378	481	39	improved	improve	VERB
fsr-3378	481	40	with	with	ADP
fsr-3378	481	41	the	the	DET
fsr-3378	481	42	implementation	implementation	NOUN
fsr-3378	481	43	of	of	ADP
fsr-3378	481	44	an	an	DET
fsr-3378	481	45	educational	educational	ADJ
fsr-3378	481	46	process	process	NOUN
fsr-3378	481	47	which	which	PRON
fsr-3378	481	48	describes	describe	VERB
fsr-3378	481	49	the	the	DET
fsr-3378	481	50	system	system	NOUN
fsr-3378	481	51	and	and	CCONJ
fsr-3378	481	52	the	the	DET
fsr-3378	481	53	importance	importance	NOUN
fsr-3378	481	54	of	of	ADP
fsr-3378	481	55	monitoring	monitoring	NOUN
fsr-3378	481	56	.	.	PUNCT
fsr-3378	482	1	in	in	ADP
fsr-3378	482	2	the	the	DET
fsr-3378	482	3	process	process	NOUN
fsr-3378	482	4	of	of	ADP
fsr-3378	482	5	reviewing	review	VERB
fsr-3378	482	6	the	the	DET
fsr-3378	482	7	credit	credit	NOUN
fsr-3378	482	8	reports	report	NOUN
fsr-3378	482	9	with	with	ADP
fsr-3378	482	10	university	university	NOUN
fsr-3378	482	11	associates	associate	NOUN
fsr-3378	482	12	,	,	PUNCT
fsr-3378	482	13	study	study	NOUN
fsr-3378	482	14	participants	participant	NOUN
fsr-3378	482	15	received	receive	VERB
fsr-3378	482	16	a	a	DET
fsr-3378	482	17	thorough	thorough	ADJ
fsr-3378	482	18	education	education	NOUN
fsr-3378	482	19	on	on	ADP
fsr-3378	482	20	the	the	DET
fsr-3378	482	21	scope	scope	NOUN
fsr-3378	482	22	and	and	CCONJ
fsr-3378	482	23	significance	significance	NOUN
fsr-3378	482	24	of	of	ADP
fsr-3378	482	25	information	information	NOUN
fsr-3378	482	26	contained	contain	VERB
fsr-3378	482	27	in	in	ADP
fsr-3378	482	28	their	their	PRON
fsr-3378	482	29	credit	credit	NOUN
fsr-3378	482	30	reports	report	NOUN
fsr-3378	482	31	.	.	PUNCT
fsr-3378	483	1	many	many	ADJ
fsr-3378	483	2	expressed	express	VERB
fsr-3378	483	3	gratitude	gratitude	NOUN
fsr-3378	483	4	for	for	ADP
fsr-3378	483	5	having	have	VERB
fsr-3378	483	6	a	a	DET
fsr-3378	483	7	better	well	ADJ
fsr-3378	483	8	understanding	understanding	NOUN
fsr-3378	483	9	of	of	ADP
fsr-3378	483	10	factors	factor	NOUN
fsr-3378	483	11	that	that	PRON
fsr-3378	483	12	affect	affect	VERB
fsr-3378	483	13	their	their	PRON
fsr-3378	483	14	credit	credit	NOUN
fsr-3378	483	15	scores	score	NOUN
fsr-3378	483	16	and	and	CCONJ
fsr-3378	483	17	how	how	SCONJ
fsr-3378	483	18	good	good	ADJ
fsr-3378	483	19	personal	personal	ADJ
fsr-3378	483	20	financial	financial	ADJ
fsr-3378	483	21	decisions	decision	NOUN
fsr-3378	483	22	could	could	AUX
fsr-3378	483	23	help	help	VERB
fsr-3378	483	24	to	to	PART
fsr-3378	483	25	improve	improve	VERB
fsr-3378	483	26	them	they	PRON
fsr-3378	483	27	.	.	PUNCT
fsr-3378	484	1	future	future	ADJ
fsr-3378	484	2	research	research	NOUN
fsr-3378	484	3	might	might	AUX
fsr-3378	484	4	indicate	indicate	VERB
fsr-3378	484	5	whether	whether	SCONJ
fsr-3378	484	6	more	more	ADJ
fsr-3378	484	7	efforts	effort	NOUN
fsr-3378	484	8	at	at	ADP
fsr-3378	484	9	financial	financial	ADJ
fsr-3378	484	10	literacy	literacy	NOUN
fsr-3378	484	11	would	would	AUX
fsr-3378	484	12	contribute	contribute	VERB
fsr-3378	484	13	to	to	ADP
fsr-3378	484	14	better	well	ADJ
fsr-3378	484	15	personal	personal	ADJ
fsr-3378	484	16	financial	financial	ADJ
fsr-3378	484	17	management	management	NOUN
fsr-3378	484	18	and	and	CCONJ
fsr-3378	484	19	measurable	measurable	ADJ
fsr-3378	484	20	improvements	improvement	NOUN
fsr-3378	484	21	in	in	ADP
fsr-3378	484	22	consumer	consumer	NOUN
fsr-3378	484	23	credit	credit	NOUN
fsr-3378	484	24	scores	score	NOUN
fsr-3378	484	25	.	.	PUNCT
fsr-3378	485	1	notes	note	VERB
fsr-3378	485	2	1	1	NUM
fsr-3378	485	3	additional	additional	ADJ
fsr-3378	485	4	information	information	NOUN
fsr-3378	485	5	about	about	ADP
fsr-3378	485	6	the	the	DET
fsr-3378	485	7	fcra	fcra	NOUN
fsr-3378	485	8	and	and	CCONJ
fsr-3378	485	9	subsequent	subsequent	ADJ
fsr-3378	485	10	amendments	amendment	NOUN
fsr-3378	485	11	is	be	AUX
fsr-3378	485	12	available	available	ADJ
fsr-3378	485	13	from	from	ADP
fsr-3378	485	14	the	the	DET
fsr-3378	485	15	federal	federal	PROPN
fsr-3378	485	16	trade	trade	PROPN
fsr-3378	485	17	commission	commission	PROPN
fsr-3378	485	18	(	(	PUNCT
fsr-3378	485	19	ftc	ftc	PROPN
fsr-3378	485	20	)	)	PUNCT
fsr-3378	485	21	web	web	NOUN
fsr-3378	485	22	site	site	NOUN
fsr-3378	485	23	at	at	ADP
fsr-3378	485	24	http://www.ftc.gov/os/statutes/	http://www.ftc.gov/os/statutes/	NOUN
fsr-3378	485	25	031224fcra.pdf	031224fcra.pdf	NOUN
fsr-3378	485	26	.	.	PUNCT
fsr-3378	486	1	2	2	NUM
fsr-3378	486	2	financial	financial	ADJ
fsr-3378	486	3	institutions	institution	NOUN
fsr-3378	486	4	(	(	PUNCT
fsr-3378	486	5	especially	especially	ADV
fsr-3378	486	6	credit	credit	NOUN
fsr-3378	486	7	-	-	PUNCT
fsr-3378	486	8	card	card	NOUN
fsr-3378	486	9	issuers	issuer	NOUN
fsr-3378	486	10	)	)	PUNCT
fsr-3378	486	11	are	be	AUX
fsr-3378	486	12	reputedly	reputedly	ADV
fsr-3378	486	13	reluctant	reluctant	ADJ
fsr-3378	486	14	to	to	PART
fsr-3378	486	15	report	report	VERB
fsr-3378	486	16	the	the	DET
fsr-3378	486	17	credit	credit	NOUN
fsr-3378	486	18	limits	limit	NOUN
fsr-3378	486	19	because	because	SCONJ
fsr-3378	486	20	they	they	PRON
fsr-3378	486	21	tempt	tempt	VERB
fsr-3378	486	22	competitors	competitor	NOUN
fsr-3378	486	23	to	to	PART
fsr-3378	486	24	poach	poach	VERB
fsr-3378	486	25	business	business	NOUN
fsr-3378	486	26	by	by	ADP
fsr-3378	486	27	offering	offer	VERB
fsr-3378	486	28	cards	card	NOUN
fsr-3378	486	29	with	with	ADP
fsr-3378	486	30	higher	high	ADJ
fsr-3378	486	31	limits	limit	NOUN
fsr-3378	486	32	.	.	PUNCT
fsr-3378	487	1	the	the	DET
fsr-3378	487	2	absence	absence	NOUN
fsr-3378	487	3	of	of	ADP
fsr-3378	487	4	proper	proper	ADJ
fsr-3378	487	5	credit	credit	NOUN
fsr-3378	487	6	limits	limit	NOUN
fsr-3378	487	7	,	,	PUNCT
fsr-3378	487	8	however	however	ADV
fsr-3378	487	9	,	,	PUNCT
fsr-3378	487	10	reduces	reduce	VERB
fsr-3378	487	11	the	the	DET
fsr-3378	487	12	informative	informative	ADJ
fsr-3378	487	13	content	content	NOUN
fsr-3378	487	14	of	of	ADP
fsr-3378	487	15	credit	credit	NOUN
fsr-3378	487	16	scores	score	NOUN
fsr-3378	487	17	on	on	ADP
fsr-3378	487	18	which	which	PRON
fsr-3378	487	19	they	they	PRON
fsr-3378	487	20	all	all	PRON
fsr-3378	487	21	rely	rely	VERB
fsr-3378	487	22	for	for	ADP
fsr-3378	487	23	business	business	NOUN
fsr-3378	487	24	decisions	decision	NOUN
fsr-3378	487	25	.	.	PUNCT
fsr-3378	488	1	this	this	PRON
fsr-3378	488	2	seems	seem	VERB
fsr-3378	488	3	to	to	PART
fsr-3378	488	4	be	be	AUX
fsr-3378	488	5	a	a	DET
fsr-3378	488	6	tradeoff	tradeoff	NOUN
fsr-3378	488	7	that	that	PRON
fsr-3378	488	8	financial	financial	ADJ
fsr-3378	488	9	firms	firm	NOUN
fsr-3378	488	10	are	be	AUX
fsr-3378	488	11	willing	willing	ADJ
fsr-3378	488	12	to	to	PART
fsr-3378	488	13	bear	bear	VERB
fsr-3378	488	14	.	.	PUNCT
fsr-3378	489	1	3	3	NUM
fsr-3378	489	2	this	this	PRON
fsr-3378	489	3	can	can	AUX
fsr-3378	489	4	happen	happen	VERB
fsr-3378	489	5	,	,	PUNCT
fsr-3378	489	6	for	for	ADP
fsr-3378	489	7	example	example	NOUN
fsr-3378	489	8	,	,	PUNCT
fsr-3378	489	9	when	when	SCONJ
fsr-3378	489	10	credit	credit	NOUN
fsr-3378	489	11	limits	limit	NOUN
fsr-3378	489	12	are	be	AUX
fsr-3378	489	13	lowered	lower	VERB
fsr-3378	489	14	after	after	ADP
fsr-3378	489	15	delinquency	delinquency	NOUN
fsr-3378	489	16	.	.	PUNCT
fsr-3378	490	1	the	the	DET
fsr-3378	490	2	patterns	pattern	NOUN
fsr-3378	490	3	of	of	ADP
fsr-3378	490	4	statistical	statistical	ADJ
fsr-3378	490	5	significance	significance	NOUN
fsr-3378	490	6	of	of	ADP
fsr-3378	490	7	the	the	DET
fsr-3378	490	8	individual	individual	ADJ
fsr-3378	490	9	factors	factor	NOUN
fsr-3378	490	10	were	be	AUX
fsr-3378	490	11	similar	similar	ADJ
fsr-3378	490	12	when	when	SCONJ
fsr-3378	490	13	the	the	DET
fsr-3378	490	14	extreme	extreme	ADJ
fsr-3378	490	15	values	value	NOUN
fsr-3378	490	16	were	be	AUX
fsr-3378	490	17	included	include	VERB
fsr-3378	490	18	,	,	PUNCT
fsr-3378	490	19	but	but	CCONJ
fsr-3378	490	20	the	the	DET
fsr-3378	490	21	r2	r2	PROPN
fsr-3378	490	22	statistic	statistic	NOUN
fsr-3378	490	23	for	for	ADP
fsr-3378	490	24	the	the	DET
fsr-3378	490	25	full	full	ADJ
fsr-3378	490	26	model	model	NOUN
fsr-3378	490	27	dropped	drop	VERB
fsr-3378	490	28	from	from	ADP
fsr-3378	490	29	17	17	NUM
fsr-3378	490	30	%	%	NOUN
fsr-3378	490	31	to	to	PART
fsr-3378	490	32	10	10	NUM
fsr-3378	490	33	%	%	NOUN
fsr-3378	490	34	when	when	SCONJ
fsr-3378	490	35	the	the	DET
fsr-3378	490	36	extreme	extreme	ADJ
fsr-3378	490	37	cases	case	NOUN
fsr-3378	490	38	were	be	AUX
fsr-3378	490	39	included	include	VERB
fsr-3378	490	40	.	.	PUNCT
fsr-3378	491	1	4	4	NUM
fsr-3378	491	2	if	if	SCONJ
fsr-3378	491	3	any	any	PRON
fsr-3378	491	4	of	of	ADP
fsr-3378	491	5	the	the	DET
fsr-3378	491	6	elements	element	NOUN
fsr-3378	491	7	of	of	ADP
fsr-3378	491	8	a	a	DET
fsr-3378	491	9	factor	factor	NOUN
fsr-3378	491	10	or	or	CCONJ
fsr-3378	491	11	the	the	DET
fsr-3378	491	12	dependent	dependent	ADJ
fsr-3378	491	13	variable	variable	NOUN
fsr-3378	491	14	was	be	AUX
fsr-3378	491	15	missing	missing	ADJ
fsr-3378	491	16	,	,	PUNCT
fsr-3378	491	17	the	the	DET
fsr-3378	491	18	case	case	NOUN
fsr-3378	491	19	was	be	AUX
fsr-3378	491	20	not	not	PART
fsr-3378	491	21	included	include	VERB
fsr-3378	491	22	.	.	PUNCT
fsr-3378	492	1	5	5	NUM
fsr-3378	492	2	crossing	cross	VERB
fsr-3378	492	3	a	a	DET
fsr-3378	492	4	threshold	threshold	NOUN
fsr-3378	492	5	would	would	AUX
fsr-3378	492	6	be	be	AUX
fsr-3378	492	7	expected	expect	VERB
fsr-3378	492	8	to	to	PART
fsr-3378	492	9	change	change	VERB
fsr-3378	492	10	the	the	DET
fsr-3378	492	11	pricing	pricing	NOUN
fsr-3378	492	12	of	of	ADP
fsr-3378	492	13	a	a	DET
fsr-3378	492	14	loan	loan	NOUN
fsr-3378	492	15	only	only	ADV
fsr-3378	492	16	if	if	SCONJ
fsr-3378	492	17	the	the	DET
fsr-3378	492	18	potential	potential	ADJ
fsr-3378	492	19	lender	lender	NOUN
fsr-3378	492	20	was	be	AUX
fsr-3378	492	21	using	use	VERB
fsr-3378	492	22	that	that	DET
fsr-3378	492	23	particular	particular	ADJ
fsr-3378	492	24	score	score	NOUN
fsr-3378	492	25	as	as	ADP
fsr-3378	492	26	the	the	DET
fsr-3378	492	27	determining	determine	VERB
fsr-3378	492	28	factor	factor	NOUN
fsr-3378	492	29	.	.	PUNCT
fsr-3378	493	1	if	if	SCONJ
fsr-3378	493	2	the	the	DET
fsr-3378	493	3	lender	lender	NOUN
fsr-3378	493	4	had	have	VERB
fsr-3378	493	5	another	another	DET
fsr-3378	493	6	but	but	CCONJ
fsr-3378	493	7	lower	low	ADJ
fsr-3378	493	8	score	score	NOUN
fsr-3378	493	9	in	in	ADP
fsr-3378	493	10	hand	hand	NOUN
fsr-3378	493	11	,	,	PUNCT
fsr-3378	493	12	the	the	DET
fsr-3378	493	13	latter	latter	ADJ
fsr-3378	493	14	would	would	AUX
fsr-3378	493	15	tend	tend	VERB
fsr-3378	493	16	to	to	PART
fsr-3378	493	17	dominate	dominate	VERB
fsr-3378	493	18	.	.	PUNCT
fsr-3378	494	1	6	6	NUM
fsr-3378	494	2	the	the	DET
fsr-3378	494	3	probability	probability	NOUN
fsr-3378	494	4	that	that	SCONJ
fsr-3378	494	5	a	a	DET
fsr-3378	494	6	binary	binary	ADJ
fsr-3378	494	7	logistic	logistic	ADJ
fsr-3378	494	8	outcome	outcome	NOUN
fsr-3378	494	9	equals	equal	VERB
fsr-3378	494	10	one	one	NUM
fsr-3378	494	11	is	be	AUX
fsr-3378	494	12	computed	compute	VERB
fsr-3378	494	13	by	by	ADP
fsr-3378	494	14	exp(logit)/	exp(logit)/	PROPN
fsr-3378	494	15	(	(	PUNCT
fsr-3378	494	16	1	1	NUM
fsr-3378	494	17	�	�	NOUN
fsr-3378	494	18	exp(logit	exp(logit	NUM
fsr-3378	494	19	)	)	PUNCT
fsr-3378	494	20	)	)	PUNCT
fsr-3378	494	21	for	for	ADP
fsr-3378	494	22	our	our	PRON
fsr-3378	494	23	logistic	logistic	ADJ
fsr-3378	494	24	models	model	NOUN
fsr-3378	494	25	.	.	PUNCT
fsr-3378	495	1	the	the	DET
fsr-3378	495	2	odds	odd	NOUN
fsr-3378	495	3	-	-	PUNCT
fsr-3378	495	4	ratio	ratio	NOUN
fsr-3378	495	5	effects	effect	NOUN
fsr-3378	495	6	are	be	AUX
fsr-3378	495	7	the	the	DET
fsr-3378	495	8	inverse	inverse	ADJ
fsr-3378	495	9	logarithms	logarithm	NOUN
fsr-3378	495	10	of	of	ADP
fsr-3378	495	11	the	the	DET
fsr-3378	495	12	corresponding	corresponding	ADJ
fsr-3378	495	13	logistic	logistic	ADJ
fsr-3378	495	14	parameters	parameter	NOUN
fsr-3378	495	15	.	.	PUNCT
fsr-3378	496	1	7	7	NUM
fsr-3378	496	2	effects	effect	NOUN
fsr-3378	496	3	of	of	ADP
fsr-3378	496	4	full	full	ADJ
fsr-3378	496	5	-	-	PUNCT
fsr-3378	496	6	time	time	NOUN
fsr-3378	496	7	employment	employment	NOUN
fsr-3378	496	8	may	may	AUX
fsr-3378	496	9	be	be	AUX
fsr-3378	496	10	spurious	spurious	ADJ
fsr-3378	496	11	in	in	ADP
fsr-3378	496	12	this	this	DET
fsr-3378	496	13	model	model	NOUN
fsr-3378	496	14	(	(	PUNCT
fsr-3378	496	15	because	because	SCONJ
fsr-3378	496	16	of	of	ADP
fsr-3378	496	17	relationships	relationship	NOUN
fsr-3378	496	18	with	with	ADP
fsr-3378	496	19	other	other	ADJ
fsr-3378	496	20	variables	variable	NOUN
fsr-3378	496	21	such	such	ADJ
fsr-3378	496	22	as	as	ADP
fsr-3378	496	23	a	a	DET
fsr-3378	496	24	spouse	spouse	NOUN
fsr-3378	496	25	’s	’	VERB
fsr-3378	496	26	having	have	VERB
fsr-3378	496	27	a	a	DET
fsr-3378	496	28	high	high	ADJ
fsr-3378	496	29	income	income	NOUN
fsr-3378	496	30	)	)	PUNCT
fsr-3378	496	31	;	;	PUNCT
fsr-3378	496	32	it	it	PRON
fsr-3378	496	33	was	be	AUX
fsr-3378	496	34	not	not	PART
fsr-3378	496	35	significantly	significantly	ADV
fsr-3378	496	36	correlated	correlate	VERB
fsr-3378	496	37	with	with	ADP
fsr-3378	496	38	average	average	ADJ
fsr-3378	496	39	credit	credit	NOUN
fsr-3378	496	40	score	score	NOUN
fsr-3378	496	41	over	over	ADP
fsr-3378	496	42	all	all	PRON
fsr-3378	496	43	.	.	PUNCT
fsr-3378	497	1	acknowledgment	acknowledgment	NOUN
fsr-3378	497	2	this	this	DET
fsr-3378	497	3	work	work	NOUN
fsr-3378	497	4	was	be	AUX
fsr-3378	497	5	performed	perform	VERB
fsr-3378	497	6	with	with	ADP
fsr-3378	497	7	support	support	NOUN
fsr-3378	497	8	from	from	ADP
fsr-3378	497	9	the	the	DET
fsr-3378	497	10	united	united	PROPN
fsr-3378	497	11	states	states	PROPN
fsr-3378	497	12	federal	federal	PROPN
fsr-3378	497	13	trade	trade	PROPN
fsr-3378	497	14	commission	commission	PROPN
fsr-3378	497	15	.	.	PUNCT
fsr-3378	498	1	it	it	PRON
fsr-3378	498	2	does	do	AUX
fsr-3378	498	3	not	not	PART
fsr-3378	498	4	necessarily	necessarily	ADV
fsr-3378	498	5	reflect	reflect	VERB
fsr-3378	498	6	the	the	DET
fsr-3378	498	7	views	view	NOUN
fsr-3378	498	8	of	of	ADP
fsr-3378	498	9	the	the	DET
fsr-3378	498	10	ftc	ftc	PROPN
fsr-3378	498	11	.	.	PUNCT
fsr-3378	499	1	22	22	NUM
fsr-3378	499	2	l.d	l.d	PROPN
fsr-3378	499	3	.	.	PROPN
fsr-3378	499	4	smith	smith	PROPN
fsr-3378	499	5	et	et	PROPN
fsr-3378	499	6	al	al	PROPN
fsr-3378	499	7	.	.	PUNCT
fsr-3378	499	8	/	/	SYM
fsr-3378	499	9	financial	financial	ADJ
fsr-3378	499	10	services	service	NOUN
fsr-3378	499	11	review	review	VERB
fsr-3378	499	12	27	27	NUM
fsr-3378	499	13	(	(	PUNCT
fsr-3378	499	14	2018	2018	NUM
fsr-3378	499	15	)	)	PUNCT
fsr-3378	499	16	1	1	NUM
fsr-3378	499	17	-	-	SYM
fsr-3378	499	18	28	28	NUM
fsr-3378	499	19	appendix	appendix	NOUN
fsr-3378	499	20	a	a	DET
fsr-3378	499	21	:	:	PUNCT
fsr-3378	499	22	summary	summary	NOUN
fsr-3378	499	23	statistics	statistic	NOUN
fsr-3378	499	24	for	for	ADP
fsr-3378	499	25	variables	variable	NOUN
fsr-3378	499	26	used	use	VERB
fsr-3378	499	27	in	in	ADP
fsr-3378	499	28	the	the	DET
fsr-3378	499	29	models	model	NOUN
fsr-3378	499	30	variable	variable	ADJ
fsr-3378	499	31	nonmissing	nonmisse	VERB
fsr-3378	499	32	obs	obs	PROPN
fsr-3378	499	33	.	.	PUNCT
fsr-3378	500	1	minimum	minimum	ADJ
fsr-3378	500	2	maximum	maximum	ADJ
fsr-3378	500	3	mean	mean	NOUN
fsr-3378	500	4	standard	standard	ADJ
fsr-3378	500	5	deviation	deviation	NOUN
fsr-3378	500	6	max	max	PROPN
fsr-3378	500	7	rev	rev	X
fsr-3378	500	8	.	.	PUNCT
fsr-3378	501	1	bal	bal	PROPN
fsr-3378	501	2	.	.	PROPN
fsr-3378	502	1	to	to	AUX
fsr-3378	502	2	max	max	PROPN
fsr-3378	502	3	credit	credit	NOUN
fsr-3378	502	4	line	line	NOUN
fsr-3378	502	5	(	(	PUNCT
fsr-3378	502	6	%	%	INTJ
fsr-3378	502	7	)	)	PUNCT
fsr-3378	502	8	876	876	NUM
fsr-3378	502	9	0	0	NUM
fsr-3378	502	10	140.3	140.3	NUM
fsr-3378	502	11	30.44	30.44	NUM
fsr-3378	502	12	33.93	33.93	NUM
fsr-3378	502	13	max	max	PROPN
fsr-3378	502	14	.	.	PUNCT
fsr-3378	502	15	rev	rev	PROPN
fsr-3378	502	16	.	.	PUNCT
fsr-3378	503	1	bal	bal	PROPN
fsr-3378	503	2	.	.	PROPN
fsr-3378	504	1	to	to	ADP
fsr-3378	504	2	annual	annual	ADJ
fsr-3378	504	3	income	income	NOUN
fsr-3378	504	4	(	(	PUNCT
fsr-3378	504	5	%	%	NOUN
fsr-3378	504	6	)	)	PUNCT
fsr-3378	504	7	943	943	NUM
fsr-3378	504	8	0	0	NUM
fsr-3378	504	9	129.6	129.6	NUM
fsr-3378	504	10	9.22	9.22	NUM
fsr-3378	504	11	17.18	17.18	NUM
fsr-3378	504	12	average	average	ADJ
fsr-3378	504	13	fico	fico	NOUN
fsr-3378	504	14	score	score	NOUN
fsr-3378	504	15	1,001	1,001	NUM
fsr-3378	504	16	459.7	459.7	NUM
fsr-3378	504	17	823.3	823.3	NUM
fsr-3378	504	18	698.15	698.15	NUM
fsr-3378	504	19	95	95	NUM
fsr-3378	504	20	always	always	ADV
fsr-3378	504	21	pays	pay	VERB
fsr-3378	504	22	more	more	ADJ
fsr-3378	504	23	than	than	ADP
fsr-3378	504	24	min	min	PROPN
fsr-3378	504	25	.	.	PROPN
fsr-3378	504	26	payments	payment	VERB
fsr-3378	504	27	1,001	1,001	NUM
fsr-3378	504	28	0	0	NUM
fsr-3378	504	29	1	1	NUM
fsr-3378	504	30	0.79	0.79	NUM
fsr-3378	504	31	0.41	0.41	NUM
fsr-3378	504	32	pays	pay	VERB
fsr-3378	504	33	off	off	ADP
fsr-3378	504	34	all	all	DET
fsr-3378	504	35	revolving	revolving	ADJ
fsr-3378	504	36	balances	balance	NOUN
fsr-3378	504	37	monthly	monthly	ADJ
fsr-3378	504	38	1,001	1,001	NUM
fsr-3378	504	39	0	0	NUM
fsr-3378	504	40	1	1	NUM
fsr-3378	504	41	0.46	0.46	NUM
fsr-3378	504	42	0.5	0.5	NUM
fsr-3378	504	43	filed	file	VERB
fsr-3378	504	44	material	material	NOUN
fsr-3378	504	45	dispute	dispute	NOUN
fsr-3378	504	46	1,001	1,001	NUM
fsr-3378	504	47	0	0	NUM
fsr-3378	504	48	1	1	NUM
fsr-3378	504	49	0.26	0.26	NUM
fsr-3378	504	50	0.44	0.44	NUM
fsr-3378	504	51	score	score	NOUN
fsr-3378	504	52	increased	increase	VERB
fsr-3378	504	53	�	�	PROPN
fsr-3378	504	54	10	10	NUM
fsr-3378	504	55	points	point	NOUN
fsr-3378	504	56	with	with	ADP
fsr-3378	504	57	corrections	correction	NOUN
fsr-3378	504	58	263	263	NUM
fsr-3378	504	59	0	0	NUM
fsr-3378	504	60	1	1	NUM
fsr-3378	504	61	0.33	0.33	NUM
fsr-3378	504	62	0.47	0.47	NUM
fsr-3378	504	63	score	score	NOUN
fsr-3378	504	64	crossed	cross	VERB
fsr-3378	504	65	threshold	threshold	NOUN
fsr-3378	504	66	263	263	NUM
fsr-3378	504	67	0	0	NUM
fsr-3378	504	68	1	1	NUM
fsr-3378	504	69	0.21	0.21	NUM
fsr-3378	504	70	0.40	0.40	NUM
fsr-3378	504	71	recent	recent	ADJ
fsr-3378	504	72	extended	extend	VERB
fsr-3378	504	73	unemployment	unemployment	NOUN
fsr-3378	504	74	1,001	1,001	NUM
fsr-3378	504	75	0	0	NUM
fsr-3378	504	76	1	1	NUM
fsr-3378	504	77	0.22	0.22	NUM
fsr-3378	504	78	0.41	0.41	NUM
fsr-3378	504	79	reduced	reduce	VERB
fsr-3378	504	80	household	household	NOUN
fsr-3378	504	81	income	income	NOUN
fsr-3378	504	82	1,001	1,001	NUM
fsr-3378	504	83	0	0	NUM
fsr-3378	504	84	1	1	NUM
fsr-3378	504	85	0.38	0.38	NUM
fsr-3378	504	86	0.49	0.49	NUM
fsr-3378	504	87	recent	recent	ADJ
fsr-3378	504	88	new	new	ADJ
fsr-3378	504	89	birth	birth	NOUN
fsr-3378	504	90	in	in	ADP
fsr-3378	504	91	family	family	NOUN
fsr-3378	504	92	1,001	1,001	NUM
fsr-3378	504	93	0	0	NUM
fsr-3378	504	94	1	1	NUM
fsr-3378	504	95	0.1	0.1	NUM
fsr-3378	504	96	0.3	0.3	NUM
fsr-3378	504	97	divorce	divorce	NOUN
fsr-3378	504	98	separation	separation	NOUN
fsr-3378	504	99	death	death	NOUN
fsr-3378	504	100	of	of	ADP
fsr-3378	504	101	spouse	spouse	NOUN
fsr-3378	504	102	1,001	1,001	NUM
fsr-3378	504	103	0	0	NUM
fsr-3378	504	104	1	1	NUM
fsr-3378	504	105	0.07	0.07	NUM
fsr-3378	504	106	0.25	0.25	NUM
fsr-3378	504	107	major	major	ADJ
fsr-3378	504	108	medical	medical	ADJ
fsr-3378	504	109	bill	bill	NOUN
fsr-3378	504	110	1,001	1,001	NUM
fsr-3378	504	111	0	0	NUM
fsr-3378	504	112	1	1	NUM
fsr-3378	504	113	0.17	0.17	NUM
fsr-3378	504	114	0.38	0.38	NUM
fsr-3378	504	115	age	age	NOUN
fsr-3378	504	116	under	under	ADP
fsr-3378	504	117	30	30	NUM
fsr-3378	504	118	1,001	1,001	NUM
fsr-3378	504	119	0	0	NUM
fsr-3378	504	120	1	1	NUM
fsr-3378	504	121	0.21	0.21	NUM
fsr-3378	504	122	0.41	0.41	NUM
fsr-3378	504	123	male	male	NOUN
fsr-3378	504	124	1,001	1,001	NUM
fsr-3378	504	125	0	0	NUM
fsr-3378	504	126	1	1	NUM
fsr-3378	504	127	0.51	0.51	NUM
fsr-3378	504	128	0.5	0.5	NUM
fsr-3378	504	129	asian	asian	NOUN
fsr-3378	504	130	1,001	1,001	NUM
fsr-3378	504	131	0	0	NUM
fsr-3378	504	132	1	1	NUM
fsr-3378	504	133	0.04	0.04	NUM
fsr-3378	504	134	0.19	0.19	NUM
fsr-3378	504	135	black	black	NOUN
fsr-3378	504	136	1,001	1,001	NUM
fsr-3378	504	137	0	0	NUM
fsr-3378	504	138	1	1	NUM
fsr-3378	504	139	0.13	0.13	NUM
fsr-3378	504	140	0.34	0.34	NUM
fsr-3378	504	141	some	some	DET
fsr-3378	504	142	college	college	NOUN
fsr-3378	504	143	(	(	PUNCT
fsr-3378	504	144	including	include	VERB
fsr-3378	504	145	undergrad	undergrad	NOUN
fsr-3378	504	146	degree	degree	NOUN
fsr-3378	504	147	)	)	PUNCT
fsr-3378	504	148	1,001	1,001	NUM
fsr-3378	504	149	0	0	NUM
fsr-3378	504	150	1	1	NUM
fsr-3378	504	151	0.62	0.62	NUM
fsr-3378	504	152	0.49	0.49	NUM
fsr-3378	504	153	graduate	graduate	NOUN
fsr-3378	504	154	degree	degree	NOUN
fsr-3378	504	155	1,001	1,001	NUM
fsr-3378	504	156	0	0	NUM
fsr-3378	504	157	1	1	NUM
fsr-3378	504	158	0.26	0.26	NUM
fsr-3378	504	159	0.44	0.44	NUM
fsr-3378	504	160	income	income	NOUN
fsr-3378	504	161	over	over	ADP
fsr-3378	504	162	$	$	SYM
fsr-3378	504	163	75k	75k	NOUN
fsr-3378	504	164	1,001	1,001	NUM
fsr-3378	504	165	0	0	NUM
fsr-3378	504	166	1	1	NUM
fsr-3378	504	167	0.39	0.39	NUM
fsr-3378	504	168	0.49	0.49	NUM
fsr-3378	504	169	income	income	NOUN
fsr-3378	504	170	$	$	SYM
fsr-3378	504	171	25k–$50k	25k–$50k	NUM
fsr-3378	504	172	1,001	1,001	NUM
fsr-3378	504	173	0	0	NUM
fsr-3378	504	174	1	1	NUM
fsr-3378	504	175	0.23	0.23	NUM
fsr-3378	504	176	0.42	0.42	NUM
fsr-3378	504	177	income	income	NOUN
fsr-3378	504	178	under	under	ADP
fsr-3378	504	179	$	$	SYM
fsr-3378	504	180	25k	25k	NUM
fsr-3378	504	181	1,001	1,001	NUM
fsr-3378	504	182	0	0	NUM
fsr-3378	504	183	1	1	NUM
fsr-3378	504	184	0.13	0.13	NUM
fsr-3378	504	185	0.34	0.34	NUM
fsr-3378	504	186	adequate	adequate	ADJ
fsr-3378	504	187	funds	fund	NOUN
fsr-3378	504	188	for	for	ADP
fsr-3378	504	189	contingencies	contingency	NOUN
fsr-3378	504	190	1,001	1,001	NUM
fsr-3378	504	191	0	0	NUM
fsr-3378	504	192	1	1	NUM
fsr-3378	504	193	0.69	0.69	NUM
fsr-3378	504	194	0.46	0.46	NUM
fsr-3378	504	195	has	have	VERB
fsr-3378	504	196	pension	pension	NOUN
fsr-3378	504	197	plan	plan	NOUN
fsr-3378	504	198	1,001	1,001	NUM
fsr-3378	504	199	0	0	NUM
fsr-3378	504	200	1	1	NUM
fsr-3378	504	201	0.56	0.56	NUM
fsr-3378	504	202	0.5	0.5	NUM
fsr-3378	504	203	has	have	AUX
fsr-3378	504	204	nonemployee	nonemployee	VERB
fsr-3378	504	205	retired	retire	VERB
fsr-3378	504	206	savings	saving	NOUN
fsr-3378	504	207	account	account	VERB
fsr-3378	504	208	1,001	1,001	NUM
fsr-3378	504	209	0	0	NUM
fsr-3378	504	210	1	1	NUM
fsr-3378	504	211	0.38	0.38	NUM
fsr-3378	504	212	0.49	0.49	NUM
fsr-3378	504	213	owns	own	VERB
fsr-3378	504	214	home	home	NOUN
fsr-3378	504	215	1,001	1,001	NUM
fsr-3378	504	216	0	0	NUM
fsr-3378	504	217	1	1	NUM
fsr-3378	504	218	0.63	0.63	NUM
fsr-3378	504	219	0.48	0.48	NUM
fsr-3378	504	220	married	marry	VERB
fsr-3378	504	221	1,001	1,001	NUM
fsr-3378	504	222	0	0	NUM
fsr-3378	504	223	1	1	NUM
fsr-3378	504	224	0.54	0.54	NUM
fsr-3378	504	225	0.5	0.5	NUM
fsr-3378	504	226	employed	employ	VERB
fsr-3378	504	227	fulltime	fulltime	NOUN
fsr-3378	504	228	1,001	1,001	NUM
fsr-3378	504	229	0	0	NUM
fsr-3378	504	230	1	1	NUM
fsr-3378	504	231	0.57	0.57	NUM
fsr-3378	504	232	0.5	0.5	NUM
fsr-3378	504	233	years	year	NOUN
fsr-3378	504	234	with	with	ADP
fsr-3378	504	235	current	current	ADJ
fsr-3378	504	236	employer	employer	NOUN
fsr-3378	504	237	1,001	1,001	NUM
fsr-3378	504	238	0	0	NUM
fsr-3378	504	239	44	44	NUM
fsr-3378	504	240	5.15	5.15	NUM
fsr-3378	504	241	7.67	7.67	NUM
fsr-3378	504	242	household	household	NOUN
fsr-3378	504	243	size	size	NOUN
fsr-3378	504	244	997	997	NUM
fsr-3378	504	245	1	1	NUM
fsr-3378	504	246	10	10	NUM
fsr-3378	504	247	2.57	2.57	NUM
fsr-3378	504	248	1.31	1.31	NUM
fsr-3378	504	249	number	number	NOUN
fsr-3378	504	250	of	of	ADP
fsr-3378	504	251	children	child	NOUN
fsr-3378	504	252	under	under	ADP
fsr-3378	504	253	18	18	NUM
fsr-3378	504	254	years	year	NOUN
fsr-3378	504	255	1,001	1,001	NUM
fsr-3378	504	256	0	0	NUM
fsr-3378	504	257	6	6	NUM
fsr-3378	504	258	0.54	0.54	NUM
fsr-3378	504	259	0.94	0.94	NUM
fsr-3378	504	260	23l.d	23l.d	NUM
fsr-3378	504	261	.	.	PUNCT
fsr-3378	505	1	smith	smith	PROPN
fsr-3378	505	2	et	et	PROPN
fsr-3378	505	3	al	al	PROPN
fsr-3378	505	4	.	.	PUNCT
fsr-3378	505	5	/	/	SYM
fsr-3378	505	6	financial	financial	ADJ
fsr-3378	505	7	services	service	NOUN
fsr-3378	505	8	review	review	VERB
fsr-3378	505	9	27	27	NUM
fsr-3378	505	10	(	(	PUNCT
fsr-3378	505	11	2018	2018	NUM
fsr-3378	505	12	)	)	PUNCT
fsr-3378	506	1	1	1	NUM
fsr-3378	506	2	-	-	SYM
fsr-3378	506	3	28	28	NUM
fsr-3378	506	4	appendix	appendix	NOUN
fsr-3378	506	5	b	b	NOUN
fsr-3378	506	6	:	:	PUNCT
fsr-3378	506	7	credit	credit	NOUN
fsr-3378	506	8	-	-	PUNCT
fsr-3378	506	9	review	review	NOUN
fsr-3378	506	10	checklist	checklist	NOUN
fsr-3378	506	11	,	,	PUNCT
fsr-3378	506	12	interview	interview	NOUN
fsr-3378	506	13	guide	guide	NOUN
fsr-3378	506	14	,	,	PUNCT
fsr-3378	506	15	and	and	CCONJ
fsr-3378	506	16	closing	closing	NOUN
fsr-3378	506	17	survey	survey	NOUN
fsr-3378	506	18	(	(	PUNCT
fsr-3378	506	19	reformatted	reformatte	VERB
fsr-3378	506	20	to	to	PART
fsr-3378	506	21	conserve	conserve	VERB
fsr-3378	506	22	space	space	NOUN
fsr-3378	506	23	)	)	PUNCT
fsr-3378	506	24	credit	credit	NOUN
fsr-3378	506	25	review	review	NOUN
fsr-3378	506	26	checklist	checklist	NOUN
fsr-3378	506	27	it	it	PRON
fsr-3378	506	28	would	would	AUX
fsr-3378	506	29	be	be	AUX
fsr-3378	506	30	most	most	ADV
fsr-3378	506	31	helpful	helpful	ADJ
fsr-3378	506	32	when	when	SCONJ
fsr-3378	506	33	we	we	PRON
fsr-3378	506	34	call	call	VERB
fsr-3378	506	35	to	to	PART
fsr-3378	506	36	interview	interview	VERB
fsr-3378	506	37	you	you	PRON
fsr-3378	506	38	if	if	SCONJ
fsr-3378	506	39	you	you	PRON
fsr-3378	506	40	focus	focus	VERB
fsr-3378	506	41	on	on	ADP
fsr-3378	506	42	these	these	DET
fsr-3378	506	43	items	item	NOUN
fsr-3378	506	44	:	:	PUNCT
fsr-3378	506	45	1	1	X
fsr-3378	506	46	.	.	X
fsr-3378	506	47	are	be	AUX
fsr-3378	506	48	your	your	PRON
fsr-3378	506	49	name	name	NOUN
fsr-3378	506	50	,	,	PUNCT
fsr-3378	506	51	address	address	NOUN
fsr-3378	506	52	and	and	CCONJ
fsr-3378	506	53	identifying	identify	VERB
fsr-3378	506	54	information	information	NOUN
fsr-3378	506	55	on	on	ADP
fsr-3378	506	56	the	the	DET
fsr-3378	506	57	front	front	NOUN
fsr-3378	506	58	of	of	ADP
fsr-3378	506	59	the	the	DET
fsr-3378	506	60	report	report	NOUN
fsr-3378	506	61	correct	correct	ADJ
fsr-3378	506	62	?	?	PUNCT
fsr-3378	507	1	2	2	X
fsr-3378	507	2	.	.	X
fsr-3378	507	3	if	if	SCONJ
fsr-3378	507	4	you	you	PRON
fsr-3378	507	5	currently	currently	ADV
fsr-3378	507	6	have	have	VERB
fsr-3378	507	7	a	a	DET
fsr-3378	507	8	mortgage	mortgage	NOUN
fsr-3378	507	9	on	on	ADP
fsr-3378	507	10	a	a	DET
fsr-3378	507	11	home	home	NOUN
fsr-3378	507	12	is	be	AUX
fsr-3378	507	13	the	the	DET
fsr-3378	507	14	name	name	NOUN
fsr-3378	507	15	of	of	ADP
fsr-3378	507	16	the	the	DET
fsr-3378	507	17	lender	lender	NOUN
fsr-3378	507	18	correct	correct	ADJ
fsr-3378	507	19	?	?	PUNCT
fsr-3378	508	1	3	3	X
fsr-3378	508	2	.	.	X
fsr-3378	508	3	is	be	AUX
fsr-3378	508	4	the	the	DET
fsr-3378	508	5	outstanding	outstanding	ADJ
fsr-3378	508	6	balance	balance	NOUN
fsr-3378	508	7	correct	correct	ADJ
fsr-3378	508	8	?	?	PUNCT
fsr-3378	509	1	(	(	PUNCT
fsr-3378	509	2	remember	remember	VERB
fsr-3378	509	3	that	that	SCONJ
fsr-3378	509	4	the	the	DET
fsr-3378	509	5	balance	balance	NOUN
fsr-3378	509	6	could	could	AUX
fsr-3378	509	7	be	be	AUX
fsr-3378	509	8	from	from	ADP
fsr-3378	509	9	any	any	DET
fsr-3378	509	10	day	day	NOUN
fsr-3378	509	11	of	of	ADP
fsr-3378	509	12	the	the	DET
fsr-3378	509	13	previous	previous	ADJ
fsr-3378	509	14	month	month	NOUN
fsr-3378	509	15	)	)	PUNCT
fsr-3378	509	16	.	.	PUNCT
fsr-3378	510	1	4	4	X
fsr-3378	510	2	.	.	X
fsr-3378	510	3	is	be	AUX
fsr-3378	510	4	the	the	DET
fsr-3378	510	5	date	date	NOUN
fsr-3378	510	6	the	the	DET
fsr-3378	510	7	loan	loan	NOUN
fsr-3378	510	8	was	be	AUX
fsr-3378	510	9	opened	open	VERB
fsr-3378	510	10	correct	correct	ADJ
fsr-3378	510	11	?	?	PUNCT
fsr-3378	511	1	5	5	X
fsr-3378	511	2	.	.	X
fsr-3378	511	3	are	be	AUX
fsr-3378	511	4	the	the	DET
fsr-3378	511	5	number	number	NOUN
fsr-3378	511	6	of	of	ADP
fsr-3378	511	7	delinquencies	delinquency	NOUN
fsr-3378	511	8	,	,	PUNCT
fsr-3378	511	9	if	if	SCONJ
fsr-3378	511	10	any	any	PRON
fsr-3378	511	11	,	,	PUNCT
fsr-3378	511	12	correct	correct	ADJ
fsr-3378	511	13	?	?	PUNCT
fsr-3378	512	1	6	6	X
fsr-3378	512	2	.	.	X
fsr-3378	513	1	if	if	SCONJ
fsr-3378	513	2	you	you	PRON
fsr-3378	513	3	have	have	AUX
fsr-3378	513	4	had	have	VERB
fsr-3378	513	5	a	a	DET
fsr-3378	513	6	car	car	NOUN
fsr-3378	513	7	loan	loan	NOUN
fsr-3378	513	8	in	in	ADP
fsr-3378	513	9	the	the	DET
fsr-3378	513	10	past	past	ADJ
fsr-3378	513	11	seven	seven	NUM
fsr-3378	513	12	(	(	PUNCT
fsr-3378	513	13	7	7	NUM
fsr-3378	513	14	)	)	PUNCT
fsr-3378	513	15	years	year	NOUN
fsr-3378	513	16	,	,	PUNCT
fsr-3378	513	17	find	find	VERB
fsr-3378	513	18	that	that	SCONJ
fsr-3378	513	19	in	in	ADP
fsr-3378	513	20	the	the	DET
fsr-3378	513	21	report	report	NOUN
fsr-3378	513	22	and	and	CCONJ
fsr-3378	513	23	check	check	VERB
fsr-3378	513	24	the	the	DET
fsr-3378	513	25	date	date	NOUN
fsr-3378	513	26	the	the	DET
fsr-3378	513	27	loan	loan	NOUN
fsr-3378	513	28	was	be	AUX
fsr-3378	513	29	opened	open	VERB
fsr-3378	513	30	,	,	PUNCT
fsr-3378	513	31	lender	lender	NOUN
fsr-3378	513	32	name	name	NOUN
fsr-3378	513	33	,	,	PUNCT
fsr-3378	513	34	loanbalance	loanbalance	NOUN
fsr-3378	513	35	and	and	CCONJ
fsr-3378	513	36	payment	payment	NOUN
fsr-3378	513	37	history	history	NOUN
fsr-3378	513	38	.	.	PUNCT
fsr-3378	514	1	are	be	AUX
fsr-3378	514	2	these	these	DET
fsr-3378	514	3	items	item	NOUN
fsr-3378	514	4	correct	correct	ADJ
fsr-3378	514	5	?	?	PUNCT
fsr-3378	515	1	7	7	X
fsr-3378	515	2	.	.	X
fsr-3378	515	3	for	for	ADP
fsr-3378	515	4	each	each	DET
fsr-3378	515	5	credit	credit	NOUN
fsr-3378	515	6	card	card	NOUN
fsr-3378	515	7	you	you	PRON
fsr-3378	515	8	currently	currently	ADV
fsr-3378	515	9	have	have	AUX
fsr-3378	515	10	,	,	PUNCT
fsr-3378	515	11	locate	locate	VERB
fsr-3378	515	12	it	it	PRON
fsr-3378	515	13	in	in	ADP
fsr-3378	515	14	the	the	DET
fsr-3378	515	15	report	report	NOUN
fsr-3378	515	16	and	and	CCONJ
fsr-3378	515	17	check	check	VERB
fsr-3378	515	18	the	the	DET
fsr-3378	515	19	date	date	NOUN
fsr-3378	515	20	issued	issue	VERB
fsr-3378	515	21	,	,	PUNCT
fsr-3378	515	22	lender	lender	NOUN
fsr-3378	515	23	name	name	NOUN
fsr-3378	515	24	,	,	PUNCT
fsr-3378	515	25	outstanding	outstanding	ADJ
fsr-3378	515	26	balance	balance	NOUN
fsr-3378	515	27	and	and	CCONJ
fsr-3378	515	28	payment	payment	NOUN
fsr-3378	515	29	delinquencies	delinquency	NOUN
fsr-3378	515	30	,	,	PUNCT
fsr-3378	515	31	if	if	SCONJ
fsr-3378	515	32	any	any	PRON
fsr-3378	515	33	.	.	PUNCT
fsr-3378	516	1	are	be	AUX
fsr-3378	516	2	these	these	DET
fsr-3378	516	3	items	item	NOUN
fsr-3378	516	4	shown	show	VERB
fsr-3378	516	5	correctly	correctly	ADV
fsr-3378	516	6	?	?	PUNCT
fsr-3378	517	1	8	8	X
fsr-3378	517	2	.	.	PUNCT
fsr-3378	518	1	if	if	SCONJ
fsr-3378	518	2	you	you	PRON
fsr-3378	518	3	currently	currently	ADV
fsr-3378	518	4	have	have	VERB
fsr-3378	518	5	other	other	ADJ
fsr-3378	518	6	types	type	NOUN
fsr-3378	518	7	of	of	ADP
fsr-3378	518	8	monthly	monthly	ADJ
fsr-3378	518	9	installment	installment	NOUN
fsr-3378	518	10	loans	loan	NOUN
fsr-3378	518	11	for	for	ADP
fsr-3378	518	12	purchasing	purchase	VERB
fsr-3378	518	13	goods	good	NOUN
fsr-3378	518	14	or	or	CCONJ
fsr-3378	518	15	services	service	NOUN
fsr-3378	518	16	,	,	PUNCT
fsr-3378	518	17	please	please	INTJ
fsr-3378	518	18	locate	locate	VERB
fsr-3378	518	19	these	these	PRON
fsr-3378	518	20	in	in	ADP
fsr-3378	518	21	the	the	DET
fsr-3378	518	22	report	report	NOUN
fsr-3378	518	23	.	.	PUNCT
fsr-3378	519	1	again	again	ADV
fsr-3378	519	2	,	,	PUNCT
fsr-3378	519	3	pay	pay	VERB
fsr-3378	519	4	special	special	ADJ
fsr-3378	519	5	attention	attention	NOUN
fsr-3378	519	6	to	to	ADP
fsr-3378	519	7	the	the	DET
fsr-3378	519	8	date	date	NOUN
fsr-3378	519	9	of	of	ADP
fsr-3378	519	10	the	the	DET
fsr-3378	519	11	loan	loan	NOUN
fsr-3378	519	12	,	,	PUNCT
fsr-3378	519	13	lender	lender	NOUN
fsr-3378	519	14	name	name	NOUN
fsr-3378	519	15	,	,	PUNCT
fsr-3378	519	16	outstanding	outstanding	ADJ
fsr-3378	519	17	balance	balance	NOUN
fsr-3378	519	18	and	and	CCONJ
fsr-3378	519	19	payment	payment	NOUN
fsr-3378	519	20	delinquencies	delinquency	NOUN
fsr-3378	519	21	,	,	PUNCT
fsr-3378	519	22	if	if	SCONJ
fsr-3378	519	23	any	any	PRON
fsr-3378	519	24	.	.	PUNCT
fsr-3378	520	1	are	be	AUX
fsr-3378	520	2	all	all	PRON
fsr-3378	520	3	of	of	ADP
fsr-3378	520	4	these	these	DET
fsr-3378	520	5	items	item	NOUN
fsr-3378	520	6	correct	correct	ADJ
fsr-3378	520	7	?	?	PUNCT
fsr-3378	521	1	9	9	X
fsr-3378	521	2	.	.	X
fsr-3378	521	3	for	for	ADP
fsr-3378	521	4	any	any	DET
fsr-3378	521	5	closed	closed	ADJ
fsr-3378	521	6	loans	loan	NOUN
fsr-3378	521	7	(	(	PUNCT
fsr-3378	521	8	mortgages	mortgage	NOUN
fsr-3378	521	9	,	,	PUNCT
fsr-3378	521	10	car	car	NOUN
fsr-3378	521	11	loans	loan	NOUN
fsr-3378	521	12	,	,	PUNCT
fsr-3378	521	13	credit	credit	NOUN
fsr-3378	521	14	cards	card	NOUN
fsr-3378	521	15	,	,	PUNCT
fsr-3378	521	16	and	and	CCONJ
fsr-3378	521	17	so	so	ADV
fsr-3378	521	18	forth	forth	ADV
fsr-3378	521	19	)	)	PUNCT
fsr-3378	521	20	carefully	carefully	ADV
fsr-3378	521	21	examine	examine	VERB
fsr-3378	521	22	those	those	PRON
fsr-3378	521	23	that	that	PRON
fsr-3378	521	24	show	show	VERB
fsr-3378	521	25	there	there	PRON
fsr-3378	521	26	may	may	AUX
fsr-3378	521	27	have	have	AUX
fsr-3378	521	28	been	be	AUX
fsr-3378	521	29	delinquent	delinquent	ADJ
fsr-3378	521	30	payments	payment	NOUN
fsr-3378	521	31	.	.	PUNCT
fsr-3378	522	1	does	do	AUX
fsr-3378	522	2	this	this	DET
fsr-3378	522	3	information	information	NOUN
fsr-3378	522	4	appear	appear	VERB
fsr-3378	522	5	correct	correct	ADJ
fsr-3378	522	6	?	?	PUNCT
fsr-3378	523	1	10	10	NUM
fsr-3378	523	2	.	.	PUNCT
fsr-3378	524	1	does	do	AUX
fsr-3378	524	2	the	the	DET
fsr-3378	524	3	report	report	NOUN
fsr-3378	524	4	show	show	VERB
fsr-3378	524	5	any	any	DET
fsr-3378	524	6	loans	loan	NOUN
fsr-3378	524	7	that	that	PRON
fsr-3378	524	8	went	go	VERB
fsr-3378	524	9	to	to	ADP
fsr-3378	524	10	collection	collection	NOUN
fsr-3378	524	11	?	?	PUNCT
fsr-3378	525	1	is	be	AUX
fsr-3378	525	2	the	the	DET
fsr-3378	525	3	information	information	NOUN
fsr-3378	525	4	reported	report	VERB
fsr-3378	525	5	correctly	correctly	ADV
fsr-3378	525	6	?	?	PUNCT
fsr-3378	526	1	(	(	PUNCT
fsr-3378	526	2	a	a	DET
fsr-3378	526	3	collection	collection	NOUN
fsr-3378	526	4	account	account	NOUN
fsr-3378	526	5	is	be	AUX
fsr-3378	526	6	one	one	NUM
fsr-3378	526	7	where	where	SCONJ
fsr-3378	526	8	you	you	PRON
fsr-3378	526	9	missed	miss	VERB
fsr-3378	526	10	a	a	DET
fsr-3378	526	11	payment	payment	NOUN
fsr-3378	526	12	and	and	CCONJ
fsr-3378	526	13	the	the	DET
fsr-3378	526	14	lender	lender	NOUN
fsr-3378	526	15	has	have	AUX
fsr-3378	526	16	hired	hire	VERB
fsr-3378	526	17	a	a	DET
fsr-3378	526	18	colllection	colllection	NOUN
fsr-3378	526	19	agency	agency	NOUN
fsr-3378	526	20	to	to	PART
fsr-3378	526	21	collect	collect	VERB
fsr-3378	526	22	the	the	DET
fsr-3378	526	23	money	money	NOUN
fsr-3378	526	24	from	from	ADP
fsr-3378	526	25	you	you	PRON
fsr-3378	526	26	.	.	PUNCT
fsr-3378	527	1	it	it	PRON
fsr-3378	527	2	is	be	AUX
fsr-3378	527	3	listed	list	VERB
fsr-3378	527	4	at	at	ADP
fsr-3378	527	5	the	the	DET
fsr-3378	527	6	end	end	NOUN
fsr-3378	527	7	of	of	ADP
fsr-3378	527	8	the	the	DET
fsr-3378	527	9	credit	credit	NOUN
fsr-3378	527	10	report	report	NOUN
fsr-3378	527	11	)	)	PUNCT
fsr-3378	527	12	.	.	PUNCT
fsr-3378	528	1	11	11	NUM
fsr-3378	528	2	.	.	PUNCT
fsr-3378	529	1	after	after	SCONJ
fsr-3378	529	2	you	you	PRON
fsr-3378	529	3	have	have	AUX
fsr-3378	529	4	reviewed	review	VERB
fsr-3378	529	5	one	one	NUM
fsr-3378	529	6	credit	credit	NOUN
fsr-3378	529	7	report	report	NOUN
fsr-3378	529	8	in	in	ADP
fsr-3378	529	9	detail	detail	NOUN
fsr-3378	529	10	,	,	PUNCT
fsr-3378	529	11	please	please	INTJ
fsr-3378	529	12	do	do	VERB
fsr-3378	529	13	the	the	DET
fsr-3378	529	14	same	same	ADJ
fsr-3378	529	15	with	with	ADP
fsr-3378	529	16	the	the	DET
fsr-3378	529	17	other	other	ADJ
fsr-3378	529	18	two	two	NUM
fsr-3378	529	19	reports	report	NOUN
fsr-3378	529	20	.	.	PUNCT
fsr-3378	530	1	do	do	AUX
fsr-3378	530	2	you	you	PRON
fsr-3378	530	3	see	see	VERB
fsr-3378	530	4	any	any	DET
fsr-3378	530	5	significant	significant	ADJ
fsr-3378	530	6	differences	difference	NOUN
fsr-3378	530	7	among	among	ADP
fsr-3378	530	8	the	the	DET
fsr-3378	530	9	three	three	NUM
fsr-3378	530	10	reports	report	NOUN
fsr-3378	530	11	?	?	PUNCT
fsr-3378	531	1	what	what	PRON
fsr-3378	531	2	are	be	AUX
fsr-3378	531	3	they	they	PRON
fsr-3378	531	4	?	?	PUNCT
fsr-3378	532	1	please	please	INTJ
fsr-3378	532	2	make	make	VERB
fsr-3378	532	3	note	note	NOUN
fsr-3378	532	4	of	of	ADP
fsr-3378	532	5	questions	question	NOUN
fsr-3378	532	6	you	you	PRON
fsr-3378	532	7	have	have	VERB
fsr-3378	532	8	and	and	CCONJ
fsr-3378	532	9	to	to	PART
fsr-3378	532	10	discuss	discuss	VERB
fsr-3378	532	11	with	with	ADP
fsr-3378	532	12	our	our	PRON
fsr-3378	532	13	research	research	NOUN
fsr-3378	532	14	associate	associate	NOUN
fsr-3378	532	15	during	during	ADP
fsr-3378	532	16	your	your	PRON
fsr-3378	532	17	phone	phone	NOUN
fsr-3378	532	18	interview	interview	NOUN
fsr-3378	532	19	.	.	PUNCT
fsr-3378	533	1	thank	thank	VERB
fsr-3378	533	2	you	you	PRON
fsr-3378	533	3	again	again	ADV
fsr-3378	533	4	for	for	ADP
fsr-3378	533	5	participating	participate	VERB
fsr-3378	533	6	in	in	ADP
fsr-3378	533	7	this	this	DET
fsr-3378	533	8	study	study	NOUN
fsr-3378	533	9	.	.	PUNCT
fsr-3378	534	1	interviewing	interview	VERB
fsr-3378	534	2	guide	guide	VERB
fsr-3378	534	3	good	good	ADJ
fsr-3378	534	4	evening	evening	NOUN
fsr-3378	534	5	/	/	SYM
fsr-3378	534	6	afternoon	afternoon	NOUN
fsr-3378	534	7	.	.	PUNCT
fsr-3378	534	8	.	.	PUNCT
fsr-3378	535	1	.	.	PUNCT
fsr-3378	536	1	this	this	PRON
fsr-3378	536	2	is	be	AUX
fsr-3378	536	3	_	_	NOUN
fsr-3378	536	4	_	_	PUNCT
fsr-3378	537	1	_	_	PUNCT
fsr-3378	538	1	_	_	PUNCT
fsr-3378	539	1	_	_	PUNCT
fsr-3378	540	1	_	_	PUNCT
fsr-3378	541	1	_	_	PUNCT
fsr-3378	542	1	_	_	PUNCT
fsr-3378	543	1	_	_	PUNCT
fsr-3378	544	1	_	_	PUNCT
fsr-3378	545	1	_	_	PUNCT
fsr-3378	546	1	_	_	PUNCT
fsr-3378	547	1	_	_	PUNCT
fsr-3378	548	1	_	_	PUNCT
fsr-3378	549	1	_	_	PUNCT
fsr-3378	550	1	_	_	PUNCT
fsr-3378	551	1	_	_	PUNCT
fsr-3378	552	1	_	_	PUNCT
fsr-3378	553	1	_	_	PUNCT
fsr-3378	554	1	_	_	PUNCT
fsr-3378	555	1	_	_	PUNCT
fsr-3378	556	1	_	_	PUNCT
fsr-3378	557	1	_	_	PUNCT
fsr-3378	558	1	_	_	PUNCT
fsr-3378	559	1	_	_	PUNCT
fsr-3378	560	1	_	_	PUNCT
fsr-3378	561	1	_	_	PUNCT
fsr-3378	562	1	_	_	PUNCT
fsr-3378	563	1	_	_	PUNCT
fsr-3378	564	1	_	_	PUNCT
fsr-3378	565	1	_	_	PUNCT
fsr-3378	566	1	_	_	PUNCT
fsr-3378	567	1	_	_	PUNCT
fsr-3378	568	1	_	_	PUNCT
fsr-3378	569	1	_	_	PUNCT
fsr-3378	569	2	calling	call	VERB
fsr-3378	569	3	from	from	ADP
fsr-3378	569	4	the	the	DET
fsr-3378	569	5	university	university	PROPN
fsr-3378	569	6	of	of	ADP
fsr-3378	569	7	missouri	missouri	PROPN
fsr-3378	569	8	/	/	SYM
fsr-3378	569	9	university	university	PROPN
fsr-3378	569	10	of	of	ADP
fsr-3378	569	11	arizona	arizona	PROPN
fsr-3378	569	12	regarding	regard	VERB
fsr-3378	569	13	the	the	DET
fsr-3378	569	14	federal	federal	PROPN
fsr-3378	569	15	trade	trade	PROPN
fsr-3378	569	16	commission	commission	PROPN
fsr-3378	569	17	study	study	NOUN
fsr-3378	569	18	on	on	ADP
fsr-3378	569	19	the	the	DET
fsr-3378	569	20	accuracy	accuracy	NOUN
fsr-3378	569	21	of	of	ADP
fsr-3378	569	22	credit	credit	NOUN
fsr-3378	569	23	report	report	NOUN
fsr-3378	569	24	information	information	NOUN
fsr-3378	569	25	.	.	PUNCT
fsr-3378	570	1	thank	thank	VERB
fsr-3378	570	2	you	you	PRON
fsr-3378	570	3	for	for	ADP
fsr-3378	570	4	participating	participate	VERB
fsr-3378	570	5	.	.	PUNCT
fsr-3378	571	1	may	may	AUX
fsr-3378	571	2	we	we	PRON
fsr-3378	571	3	review	review	VERB
fsr-3378	571	4	your	your	PRON
fsr-3378	571	5	reports	report	NOUN
fsr-3378	571	6	now	now	ADV
fsr-3378	571	7	?	?	PUNCT
fsr-3378	572	1	(	(	PUNCT
fsr-3378	572	2	if	if	SCONJ
fsr-3378	572	3	not	not	PART
fsr-3378	572	4	,	,	PUNCT
fsr-3378	572	5	ask	ask	VERB
fsr-3378	572	6	for	for	ADP
fsr-3378	572	7	a	a	DET
fsr-3378	572	8	time	time	NOUN
fsr-3378	572	9	to	to	PART
fsr-3378	572	10	reschedule	reschedule	VERB
fsr-3378	572	11	,	,	PUNCT
fsr-3378	572	12	and	and	CCONJ
fsr-3378	572	13	either	either	CCONJ
fsr-3378	572	14	confirm	confirm	VERB
fsr-3378	572	15	or	or	CCONJ
fsr-3378	572	16	tell	tell	VERB
fsr-3378	572	17	him	he	PRON
fsr-3378	572	18	/	/	PUNCT
fsr-3378	572	19	her	she	PRON
fsr-3378	572	20	you	you	PRON
fsr-3378	572	21	will	will	AUX
fsr-3378	572	22	call	call	VERB
fsr-3378	572	23	them	they	PRON
fsr-3378	572	24	back	back	ADV
fsr-3378	572	25	to	to	PART
fsr-3378	572	26	confirm	confirm	VERB
fsr-3378	572	27	a	a	DET
fsr-3378	572	28	new	new	ADJ
fsr-3378	572	29	,	,	PUNCT
fsr-3378	572	30	convenient	convenient	ADJ
fsr-3378	572	31	time	time	NOUN
fsr-3378	572	32	.	.	PUNCT
fsr-3378	572	33	)	)	PUNCT
fsr-3378	573	1	first	first	ADV
fsr-3378	573	2	,	,	PUNCT
fsr-3378	573	3	i	i	PRON
fsr-3378	573	4	’ll	’ll	AUX
fsr-3378	573	5	answer	answer	VERB
fsr-3378	573	6	any	any	DET
fsr-3378	573	7	questions	question	NOUN
fsr-3378	573	8	you	you	PRON
fsr-3378	573	9	may	may	AUX
fsr-3378	573	10	have	have	VERB
fsr-3378	573	11	about	about	ADP
fsr-3378	573	12	the	the	DET
fsr-3378	573	13	content	content	NOUN
fsr-3378	573	14	of	of	ADP
fsr-3378	573	15	your	your	PRON
fsr-3378	573	16	three	three	NUM
fsr-3378	573	17	credit	credit	NOUN
fsr-3378	573	18	reports	report	NOUN
fsr-3378	573	19	.	.	PUNCT
fsr-3378	574	1	then	then	ADV
fsr-3378	574	2	,	,	PUNCT
fsr-3378	574	3	we	we	PRON
fsr-3378	574	4	’ll	’ll	AUX
fsr-3378	574	5	discuss	discuss	VERB
fsr-3378	574	6	any	any	DET
fsr-3378	574	7	possible	possible	ADJ
fsr-3378	574	8	inaccuracies	inaccuracy	NOUN
fsr-3378	574	9	you	you	PRON
fsr-3378	574	10	may	may	AUX
fsr-3378	574	11	have	have	AUX
fsr-3378	574	12	identified	identify	VERB
fsr-3378	574	13	during	during	ADP
fsr-3378	574	14	your	your	PRON
fsr-3378	574	15	own	own	ADJ
fsr-3378	574	16	review	review	NOUN
fsr-3378	574	17	.	.	PUNCT
fsr-3378	575	1	next	next	ADV
fsr-3378	575	2	,	,	PUNCT
fsr-3378	575	3	we	we	PRON
fsr-3378	575	4	discuss	discuss	VERB
fsr-3378	575	5	the	the	DET
fsr-3378	575	6	findings	finding	NOUN
fsr-3378	575	7	from	from	ADP
fsr-3378	575	8	our	our	PRON
fsr-3378	575	9	comparison	comparison	NOUN
fsr-3378	575	10	of	of	ADP
fsr-3378	575	11	the	the	DET
fsr-3378	575	12	information	information	NOUN
fsr-3378	575	13	in	in	ADP
fsr-3378	575	14	the	the	DET
fsr-3378	575	15	three	three	NUM
fsr-3378	575	16	credit	credit	NOUN
fsr-3378	575	17	reports	report	NOUN
fsr-3378	575	18	.	.	PUNCT
fsr-3378	576	1	and	and	CCONJ
fsr-3378	576	2	finally	finally	ADV
fsr-3378	576	3	,	,	PUNCT
fsr-3378	576	4	i	i	PRON
fsr-3378	576	5	’ll	’ll	AUX
fsr-3378	576	6	ask	ask	VERB
fsr-3378	576	7	you	you	PRON
fsr-3378	576	8	for	for	ADP
fsr-3378	576	9	some	some	DET
fsr-3378	576	10	general	general	ADJ
fsr-3378	576	11	demographic	demographic	ADJ
fsr-3378	576	12	information	information	NOUN
fsr-3378	576	13	to	to	PART
fsr-3378	576	14	complete	complete	VERB
fsr-3378	576	15	our	our	PRON
fsr-3378	576	16	study	study	NOUN
fsr-3378	576	17	.	.	PUNCT
fsr-3378	577	1	1	1	X
fsr-3378	577	2	.	.	X
fsr-3378	577	3	using	use	VERB
fsr-3378	577	4	the	the	DET
fsr-3378	577	5	checklist	checklist	NOUN
fsr-3378	577	6	that	that	PRON
fsr-3378	577	7	we	we	PRON
fsr-3378	577	8	sent	send	VERB
fsr-3378	577	9	you	you	PRON
fsr-3378	577	10	along	along	ADP
fsr-3378	577	11	with	with	ADP
fsr-3378	577	12	your	your	PRON
fsr-3378	577	13	three	three	NUM
fsr-3378	577	14	credit	credit	NOUN
fsr-3378	577	15	reports	report	NOUN
fsr-3378	577	16	,	,	PUNCT
fsr-3378	577	17	did	do	AUX
fsr-3378	577	18	you	you	PRON
fsr-3378	577	19	find	find	VERB
fsr-3378	577	20	any	any	DET
fsr-3378	577	21	questionable	questionable	ADJ
fsr-3378	577	22	items	item	NOUN
fsr-3378	577	23	?	?	PUNCT
fsr-3378	578	1	if	if	SCONJ
fsr-3378	578	2	no	no	INTJ
fsr-3378	578	3	,	,	PUNCT
fsr-3378	578	4	confirm	confirm	VERB
fsr-3378	578	5	that	that	SCONJ
fsr-3378	578	6	they	they	PRON
fsr-3378	578	7	have	have	AUX
fsr-3378	578	8	covered	cover	VERB
fsr-3378	578	9	every	every	DET
fsr-3378	578	10	category	category	NOUN
fsr-3378	578	11	in	in	ADP
fsr-3378	578	12	the	the	DET
fsr-3378	578	13	list	list	NOUN
fsr-3378	578	14	.	.	PUNCT
fsr-3378	579	1	mention	mention	VERB
fsr-3378	579	2	each	each	DET
fsr-3378	579	3	item	item	NOUN
fsr-3378	579	4	in	in	ADP
fsr-3378	579	5	the	the	DET
fsr-3378	579	6	list	list	NOUN
fsr-3378	579	7	.	.	PUNCT
fsr-3378	580	1	if	if	SCONJ
fsr-3378	580	2	yes	yes	INTJ
fsr-3378	580	3	,	,	PUNCT
fsr-3378	580	4	what	what	PRON
fsr-3378	580	5	did	do	AUX
fsr-3378	580	6	you	you	PRON
fsr-3378	580	7	find	find	VERB
fsr-3378	580	8	?	?	PUNCT
fsr-3378	581	1	obtain	obtain	VERB
fsr-3378	581	2	clarification	clarification	NOUN
fsr-3378	581	3	for	for	ADP
fsr-3378	581	4	each	each	DET
fsr-3378	581	5	item	item	NOUN
fsr-3378	581	6	mentioned	mention	VERB
fsr-3378	581	7	or	or	CCONJ
fsr-3378	581	8	alleged	allege	VERB
fsr-3378	581	9	error	error	NOUN
fsr-3378	581	10	starting	start	VERB
fsr-3378	581	11	with	with	ADP
fsr-3378	581	12	the	the	DET
fsr-3378	581	13	disputed	dispute	VERB
fsr-3378	581	14	credit	credit	NOUN
fsr-3378	581	15	report	report	NOUN
fsr-3378	581	16	and	and	CCONJ
fsr-3378	581	17	then	then	ADV
fsr-3378	581	18	compare	compare	VERB
fsr-3378	581	19	the	the	DET
fsr-3378	581	20	corresponding	correspond	VERB
fsr-3378	581	21	item	item	NOUN
fsr-3378	581	22	in	in	ADP
fsr-3378	581	23	the	the	DET
fsr-3378	581	24	other	other	ADJ
fsr-3378	581	25	credit	credit	NOUN
fsr-3378	581	26	reports	report	NOUN
fsr-3378	581	27	.	.	PUNCT
fsr-3378	582	1	when	when	SCONJ
fsr-3378	582	2	all	all	DET
fsr-3378	582	3	the	the	DET
fsr-3378	582	4	participant	participant	NOUN
fsr-3378	582	5	’s	’s	PART
fsr-3378	582	6	questions	question	NOUN
fsr-3378	582	7	have	have	AUX
fsr-3378	582	8	been	be	AUX
fsr-3378	582	9	answered	answer	VERB
fsr-3378	582	10	,	,	PUNCT
fsr-3378	582	11	address	address	VERB
fsr-3378	582	12	any	any	DET
fsr-3378	582	13	inconsistencies	inconsistency	NOUN
fsr-3378	582	14	or	or	CCONJ
fsr-3378	582	15	irregularities	irregularity	NOUN
fsr-3378	582	16	identified	identify	VERB
fsr-3378	582	17	in	in	ADP
fsr-3378	582	18	the	the	DET
fsr-3378	582	19	preparatory	preparatory	ADJ
fsr-3378	582	20	review	review	NOUN
fsr-3378	582	21	:	:	PUNCT
fsr-3378	582	22	(	(	PUNCT
fsr-3378	582	23	continued	continue	VERB
fsr-3378	582	24	on	on	ADP
fsr-3378	582	25	next	next	ADJ
fsr-3378	582	26	page	page	NOUN
fsr-3378	582	27	)	)	PUNCT
fsr-3378	582	28	24	24	NUM
fsr-3378	582	29	l.d	l.d	PROPN
fsr-3378	582	30	.	.	PROPN
fsr-3378	582	31	smith	smith	PROPN
fsr-3378	582	32	et	et	PROPN
fsr-3378	582	33	al	al	PROPN
fsr-3378	582	34	.	.	PUNCT
fsr-3378	582	35	/	/	SYM
fsr-3378	582	36	financial	financial	ADJ
fsr-3378	582	37	services	service	NOUN
fsr-3378	582	38	review	review	VERB
fsr-3378	582	39	27	27	NUM
fsr-3378	582	40	(	(	PUNCT
fsr-3378	582	41	2018	2018	NUM
fsr-3378	582	42	)	)	PUNCT
fsr-3378	582	43	1	1	NUM
fsr-3378	582	44	-	-	SYM
fsr-3378	582	45	28	28	NUM
fsr-3378	582	46	appendix	appendix	NOUN
fsr-3378	582	47	b	b	NOUN
fsr-3378	582	48	:	:	PUNCT
fsr-3378	582	49	(	(	PUNCT
fsr-3378	582	50	continued	continue	VERB
fsr-3378	582	51	)	)	PUNCT
fsr-3378	582	52	from	from	ADP
fsr-3378	582	53	our	our	PRON
fsr-3378	582	54	own	own	ADJ
fsr-3378	582	55	review	review	NOUN
fsr-3378	582	56	,	,	PUNCT
fsr-3378	582	57	we	we	PRON
fsr-3378	582	58	have	have	VERB
fsr-3378	582	59	a	a	DET
fsr-3378	582	60	few	few	ADJ
fsr-3378	582	61	questions	question	NOUN
fsr-3378	582	62	we	we	PRON
fsr-3378	582	63	would	would	AUX
fsr-3378	582	64	like	like	VERB
fsr-3378	582	65	to	to	PART
fsr-3378	582	66	ask	ask	VERB
fsr-3378	582	67	.	.	PUNCT
fsr-3378	582	68	.	.	PUNCT
fsr-3378	583	1	.	.	PUNCT
fsr-3378	584	1	if	if	SCONJ
fsr-3378	584	2	there	there	PRON
fsr-3378	584	3	are	be	VERB
fsr-3378	584	4	any	any	DET
fsr-3378	584	5	derogatory	derogatory	ADJ
fsr-3378	584	6	items	item	NOUN
fsr-3378	584	7	review	review	VERB
fsr-3378	584	8	these	these	PRON
fsr-3378	584	9	with	with	ADP
fsr-3378	584	10	the	the	DET
fsr-3378	584	11	participant	participant	NOUN
fsr-3378	584	12	to	to	PART
fsr-3378	584	13	be	be	AUX
fsr-3378	584	14	sure	sure	ADJ
fsr-3378	584	15	the	the	DET
fsr-3378	584	16	facts	fact	NOUN
fsr-3378	584	17	are	be	AUX
fsr-3378	584	18	presented	present	VERB
fsr-3378	584	19	correctly	correctly	ADV
fsr-3378	584	20	.	.	PUNCT
fsr-3378	585	1	if	if	SCONJ
fsr-3378	585	2	the	the	DET
fsr-3378	585	3	participant	participant	NOUN
fsr-3378	585	4	finds	find	VERB
fsr-3378	585	5	alleged	alleged	ADJ
fsr-3378	585	6	errors	error	NOUN
fsr-3378	585	7	explain	explain	VERB
fsr-3378	585	8	the	the	DET
fsr-3378	585	9	dispute	dispute	NOUN
fsr-3378	585	10	process	process	NOUN
fsr-3378	585	11	and	and	CCONJ
fsr-3378	585	12	explain	explain	VERB
fsr-3378	585	13	the	the	DET
fsr-3378	585	14	difference	difference	NOUN
fsr-3378	585	15	between	between	ADP
fsr-3378	585	16	material	material	NOUN
fsr-3378	585	17	and	and	CCONJ
fsr-3378	585	18	immaterial	immaterial	ADJ
fsr-3378	585	19	errors	error	NOUN
fsr-3378	585	20	.	.	PUNCT
fsr-3378	586	1	if	if	SCONJ
fsr-3378	586	2	the	the	DET
fsr-3378	586	3	participant	participant	NOUN
fsr-3378	586	4	claims	claim	VERB
fsr-3378	586	5	an	an	DET
fsr-3378	586	6	immaterial	immaterial	ADJ
fsr-3378	586	7	error	error	NOUN
fsr-3378	586	8	suggest	suggest	VERB
fsr-3378	586	9	he	he	PRON
fsr-3378	586	10	/	/	PUNCT
fsr-3378	586	11	she	she	PRON
fsr-3378	586	12	call	call	VERB
fsr-3378	586	13	the	the	DET
fsr-3378	586	14	lender	lender	NOUN
fsr-3378	586	15	to	to	PART
fsr-3378	586	16	resolve	resolve	VERB
fsr-3378	586	17	.	.	PUNCT
fsr-3378	587	1	if	if	SCONJ
fsr-3378	587	2	the	the	DET
fsr-3378	587	3	participant	participant	NOUN
fsr-3378	587	4	claims	claim	VERB
fsr-3378	587	5	a	a	DET
fsr-3378	587	6	material	material	NOUN
fsr-3378	587	7	error	error	NOUN
fsr-3378	587	8	,	,	PUNCT
fsr-3378	587	9	explain	explain	VERB
fsr-3378	587	10	how	how	SCONJ
fsr-3378	587	11	you	you	PRON
fsr-3378	587	12	will	will	AUX
fsr-3378	587	13	help	help	VERB
fsr-3378	587	14	them	they	PRON
fsr-3378	587	15	file	file	VERB
fsr-3378	587	16	a	a	DET
fsr-3378	587	17	dispute	dispute	NOUN
fsr-3378	587	18	.	.	PUNCT
fsr-3378	588	1	helping	help	VERB
fsr-3378	588	2	the	the	DET
fsr-3378	588	3	participant	participant	ADJ
fsr-3378	588	4	file	file	VERB
fsr-3378	588	5	a	a	DET
fsr-3378	588	6	dispute	dispute	NOUN
fsr-3378	588	7	:	:	PUNCT
fsr-3378	588	8	●	●	PUNCT
fsr-3378	588	9	be	be	AUX
fsr-3378	588	10	sure	sure	ADJ
fsr-3378	588	11	you	you	PRON
fsr-3378	588	12	fully	fully	ADV
fsr-3378	588	13	understand	understand	VERB
fsr-3378	588	14	what	what	PRON
fsr-3378	588	15	the	the	DET
fsr-3378	588	16	participant	participant	NOUN
fsr-3378	588	17	feels	feel	VERB
fsr-3378	588	18	is	be	AUX
fsr-3378	588	19	in	in	ADP
fsr-3378	588	20	error	error	NOUN
fsr-3378	588	21	and	and	CCONJ
fsr-3378	588	22	why	why	SCONJ
fsr-3378	588	23	;	;	PUNCT
fsr-3378	588	24	●	●	PUNCT
fsr-3378	588	25	explain	explain	VERB
fsr-3378	588	26	that	that	SCONJ
fsr-3378	588	27	you	you	PRON
fsr-3378	588	28	will	will	AUX
fsr-3378	588	29	prepare	prepare	VERB
fsr-3378	588	30	a	a	DET
fsr-3378	588	31	letter	letter	NOUN
fsr-3378	588	32	(	(	PUNCT
fsr-3378	588	33	to	to	ADP
fsr-3378	588	34	that	that	DET
fsr-3378	588	35	particular	particular	ADJ
fsr-3378	588	36	cra	cra	NOUN
fsr-3378	588	37	)	)	PUNCT
fsr-3378	588	38	and	and	CCONJ
fsr-3378	588	39	send	send	VERB
fsr-3378	588	40	it	it	PRON
fsr-3378	588	41	to	to	ADP
fsr-3378	588	42	the	the	DET
fsr-3378	588	43	participant	participant	NOUN
fsr-3378	588	44	;	;	PUNCT
fsr-3378	589	1	●	●	PUNCT
fsr-3378	589	2	he	he	PRON
fsr-3378	589	3	/	/	SYM
fsr-3378	589	4	she	she	PRON
fsr-3378	589	5	will	will	AUX
fsr-3378	589	6	need	need	VERB
fsr-3378	589	7	to	to	PART
fsr-3378	589	8	review	review	VERB
fsr-3378	589	9	the	the	DET
fsr-3378	589	10	information	information	NOUN
fsr-3378	589	11	,	,	PUNCT
fsr-3378	589	12	sign	sign	NOUN
fsr-3378	589	13	,	,	PUNCT
fsr-3378	589	14	fill	fill	VERB
fsr-3378	589	15	in	in	ADP
fsr-3378	589	16	the	the	DET
fsr-3378	589	17	identifying	identify	VERB
fsr-3378	589	18	information	information	NOUN
fsr-3378	589	19	(	(	PUNCT
fsr-3378	589	20	social	social	ADJ
fsr-3378	589	21	security	security	NOUN
fsr-3378	589	22	number	number	NOUN
fsr-3378	589	23	and	and	CCONJ
fsr-3378	589	24	date	date	NOUN
fsr-3378	589	25	of	of	ADP
fsr-3378	589	26	birth	birth	NOUN
fsr-3378	589	27	)	)	PUNCT
fsr-3378	589	28	and	and	CCONJ
fsr-3378	589	29	mail	mail	VERB
fsr-3378	589	30	the	the	DET
fsr-3378	589	31	letter	letter	NOUN
fsr-3378	589	32	to	to	ADP
fsr-3378	589	33	the	the	DET
fsr-3378	589	34	cra	cra	NOUN
fsr-3378	589	35	;	;	PUNCT
fsr-3378	589	36	●	●	PUNCT
fsr-3378	589	37	also	also	ADV
fsr-3378	589	38	explain	explain	VERB
fsr-3378	589	39	that	that	SCONJ
fsr-3378	589	40	you	you	PRON
fsr-3378	589	41	will	will	AUX
fsr-3378	589	42	include	include	VERB
fsr-3378	589	43	a	a	DET
fsr-3378	589	44	self	self	NOUN
fsr-3378	589	45	-	-	PUNCT
fsr-3378	589	46	addressed	address	VERB
fsr-3378	589	47	stamp	stamp	NOUN
fsr-3378	589	48	postcard	postcard	NOUN
fsr-3378	589	49	for	for	ADP
fsr-3378	589	50	the	the	DET
fsr-3378	589	51	participant	participant	NOUN
fsr-3378	589	52	to	to	PART
fsr-3378	589	53	return	return	VERB
fsr-3378	589	54	to	to	ADP
fsr-3378	589	55	the	the	DET
fsr-3378	589	56	study	study	NOUN
fsr-3378	589	57	office	office	NOUN
fsr-3378	589	58	to	to	PART
fsr-3378	589	59	confirm	confirm	VERB
fsr-3378	589	60	that	that	SCONJ
fsr-3378	589	61	the	the	DET
fsr-3378	589	62	dispute	dispute	NOUN
fsr-3378	589	63	letter(s	letter(s	NOUN
fsr-3378	589	64	)	)	PUNCT
fsr-3378	589	65	were	be	AUX
fsr-3378	589	66	mailed	mail	VERB
fsr-3378	589	67	to	to	ADP
fsr-3378	589	68	the	the	DET
fsr-3378	589	69	cra	cra	NOUN
fsr-3378	589	70	;	;	PUNCT
fsr-3378	589	71	●	●	PUNCT
fsr-3378	589	72	ask	ask	VERB
fsr-3378	589	73	the	the	DET
fsr-3378	589	74	participant	participant	NOUN
fsr-3378	589	75	to	to	PART
fsr-3378	589	76	forward	forward	VERB
fsr-3378	589	77	any	any	DET
fsr-3378	589	78	correspondence	correspondence	NOUN
fsr-3378	589	79	they	they	PRON
fsr-3378	589	80	receive	receive	VERB
fsr-3378	589	81	from	from	ADP
fsr-3378	589	82	the	the	DET
fsr-3378	589	83	credit	credit	NOUN
fsr-3378	589	84	reporting	reporting	NOUN
fsr-3378	589	85	agency	agency	NOUN
fsr-3378	589	86	in	in	ADP
fsr-3378	589	87	response	response	NOUN
fsr-3378	589	88	to	to	ADP
fsr-3378	589	89	the	the	DET
fsr-3378	589	90	dispute	dispute	NOUN
fsr-3378	589	91	letters	letter	NOUN
fsr-3378	589	92	;	;	PUNCT
fsr-3378	589	93	●	●	PUNCT
fsr-3378	589	94	tell	tell	VERB
fsr-3378	589	95	the	the	DET
fsr-3378	589	96	participant	participant	NOUN
fsr-3378	589	97	you	you	PRON
fsr-3378	589	98	will	will	AUX
fsr-3378	589	99	follow	follow	VERB
fsr-3378	589	100	up	up	ADP
fsr-3378	589	101	with	with	ADP
fsr-3378	589	102	them	they	PRON
fsr-3378	589	103	by	by	ADP
fsr-3378	589	104	email	email	NOUN
fsr-3378	589	105	or	or	CCONJ
fsr-3378	589	106	phone	phone	NOUN
fsr-3378	589	107	to	to	PART
fsr-3378	589	108	find	find	VERB
fsr-3378	589	109	out	out	ADP
fsr-3378	589	110	what	what	PRON
fsr-3378	589	111	the	the	DET
fsr-3378	589	112	cra	cra	PROPN
fsr-3378	589	113	told	tell	VERB
fsr-3378	589	114	them	they	PRON
fsr-3378	589	115	about	about	ADP
fsr-3378	589	116	the	the	DET
fsr-3378	589	117	dispute	dispute	NOUN
fsr-3378	589	118	,	,	PUNCT
fsr-3378	589	119	or	or	CCONJ
fsr-3378	589	120	what	what	PRON
fsr-3378	589	121	the	the	DET
fsr-3378	589	122	cra	cra	PROPN
fsr-3378	589	123	has	have	AUX
fsr-3378	589	124	done	do	VERB
fsr-3378	589	125	about	about	ADP
fsr-3378	589	126	it	it	PRON
fsr-3378	589	127	;	;	PUNCT
fsr-3378	589	128	●	●	PUNCT
fsr-3378	589	129	explain	explain	VERB
fsr-3378	589	130	that	that	SCONJ
fsr-3378	589	131	,	,	PUNCT
fsr-3378	589	132	in	in	ADP
fsr-3378	589	133	about	about	ADV
fsr-3378	589	134	eight	eight	NUM
fsr-3378	589	135	weeks	week	NOUN
fsr-3378	589	136	,	,	PUNCT
fsr-3378	589	137	the	the	DET
fsr-3378	589	138	research	research	NOUN
fsr-3378	589	139	team	team	NOUN
fsr-3378	589	140	will	will	AUX
fsr-3378	589	141	draw	draw	VERB
fsr-3378	589	142	a	a	DET
fsr-3378	589	143	new	new	ADJ
fsr-3378	589	144	credit	credit	NOUN
fsr-3378	589	145	report	report	NOUN
fsr-3378	589	146	and	and	CCONJ
fsr-3378	589	147	will	will	AUX
fsr-3378	589	148	contact	contact	VERB
fsr-3378	589	149	them	they	PRON
fsr-3378	589	150	to	to	PART
fsr-3378	589	151	let	let	VERB
fsr-3378	589	152	them	they	PRON
fsr-3378	589	153	know	know	VERB
fsr-3378	589	154	what	what	PRON
fsr-3378	589	155	changes	change	VERB
fsr-3378	589	156	(	(	PUNCT
fsr-3378	589	157	if	if	SCONJ
fsr-3378	589	158	any	any	PRON
fsr-3378	589	159	)	)	PUNCT
fsr-3378	589	160	were	be	AUX
fsr-3378	589	161	made	make	VERB
fsr-3378	589	162	in	in	ADP
fsr-3378	589	163	response	response	NOUN
fsr-3378	589	164	to	to	ADP
fsr-3378	589	165	the	the	DET
fsr-3378	589	166	dispute	dispute	NOUN
fsr-3378	589	167	letters	letter	NOUN
fsr-3378	589	168	.	.	PUNCT
fsr-3378	590	1	closing	closing	NOUN
fsr-3378	590	2	survey	survey	NOUN
fsr-3378	590	3	(	(	PUNCT
fsr-3378	590	4	administered	administer	VERB
fsr-3378	590	5	to	to	ADP
fsr-3378	590	6	all	all	DET
fsr-3378	590	7	participants	participant	NOUN
fsr-3378	590	8	at	at	ADP
fsr-3378	590	9	the	the	DET
fsr-3378	590	10	completion	completion	NOUN
fsr-3378	590	11	of	of	ADP
fsr-3378	590	12	the	the	DET
fsr-3378	590	13	interview	interview	NOUN
fsr-3378	590	14	)	)	PUNCT
fsr-3378	590	15	“	"	PUNCT
fsr-3378	590	16	i	i	PRON
fsr-3378	590	17	think	think	VERB
fsr-3378	590	18	we	we	PRON
fsr-3378	590	19	have	have	AUX
fsr-3378	590	20	covered	cover	VERB
fsr-3378	590	21	everything	everything	PRON
fsr-3378	590	22	in	in	ADP
fsr-3378	590	23	your	your	PRON
fsr-3378	590	24	credit	credit	NOUN
fsr-3378	590	25	reports	report	NOUN
fsr-3378	590	26	.	.	PUNCT
fsr-3378	591	1	now	now	ADV
fsr-3378	591	2	i	i	PRON
fsr-3378	591	3	need	need	VERB
fsr-3378	591	4	to	to	PART
fsr-3378	591	5	record	record	VERB
fsr-3378	591	6	some	some	DET
fsr-3378	591	7	additional	additional	ADJ
fsr-3378	591	8	information	information	NOUN
fsr-3378	591	9	to	to	PART
fsr-3378	591	10	help	help	VERB
fsr-3378	591	11	in	in	ADP
fsr-3378	591	12	our	our	PRON
fsr-3378	591	13	interpretation	interpretation	NOUN
fsr-3378	591	14	of	of	ADP
fsr-3378	591	15	the	the	DET
fsr-3378	591	16	study	study	NOUN
fsr-3378	591	17	data	datum	NOUN
fsr-3378	591	18	.	.	PUNCT
fsr-3378	591	19	.	.	PUNCT
fsr-3378	591	20	.	.	PUNCT
fsr-3378	591	21	”	"	PUNCT
fsr-3378	592	1	credit	credit	NOUN
fsr-3378	592	2	report	report	NOUN
fsr-3378	592	3	accuracy	accuracy	NOUN
fsr-3378	592	4	and	and	CCONJ
fsr-3378	592	5	disputes	dispute	NOUN
fsr-3378	592	6	have	have	AUX
fsr-3378	592	7	you	you	PRON
fsr-3378	592	8	ever	ever	ADV
fsr-3378	592	9	previously	previously	ADV
fsr-3378	592	10	requested	request	VERB
fsr-3378	592	11	a	a	DET
fsr-3378	592	12	copy	copy	NOUN
fsr-3378	592	13	of	of	ADP
fsr-3378	592	14	your	your	PRON
fsr-3378	592	15	credit	credit	NOUN
fsr-3378	592	16	reports	report	NOUN
fsr-3378	592	17	?	?	PUNCT
fsr-3378	593	1	yes	yes	INTJ
fsr-3378	594	1	_	_	PUNCT
fsr-3378	595	1	_	_	PUNCT
fsr-3378	595	2	_	_	PUNCT
fsr-3378	596	1	no	no	INTJ
fsr-3378	597	1	_	_	PUNCT
fsr-3378	598	1	_	_	PUNCT
fsr-3378	599	1	if	if	SCONJ
fsr-3378	599	2	yes	yes	ADV
fsr-3378	599	3	:	:	PUNCT
fsr-3378	599	4	a	a	X
fsr-3378	599	5	)	)	PUNCT
fsr-3378	599	6	where	where	SCONJ
fsr-3378	599	7	did	do	AUX
fsr-3378	599	8	you	you	PRON
fsr-3378	599	9	get	get	VERB
fsr-3378	599	10	them	they	PRON
fsr-3378	599	11	?	?	PUNCT
fsr-3378	600	1	_	_	PUNCT
fsr-3378	601	1	_	_	PUNCT
fsr-3378	602	1	_	_	PUNCT
fsr-3378	603	1	_	_	PUNCT
fsr-3378	604	1	_	_	PUNCT
fsr-3378	605	1	_	_	PUNCT
fsr-3378	606	1	_	_	PUNCT
fsr-3378	607	1	_	_	PUNCT
fsr-3378	608	1	_	_	PUNCT
fsr-3378	609	1	_	_	PUNCT
fsr-3378	610	1	_	_	PUNCT
fsr-3378	611	1	_	_	PUNCT
fsr-3378	612	1	_	_	PUNCT
fsr-3378	613	1	_	_	PUNCT
fsr-3378	614	1	_	_	PUNCT
fsr-3378	615	1	_	_	PUNCT
fsr-3378	616	1	_	_	PUNCT
fsr-3378	617	1	b	b	X
fsr-3378	617	2	)	)	PUNCT
fsr-3378	617	3	when	when	SCONJ
fsr-3378	617	4	did	do	AUX
fsr-3378	617	5	you	you	PRON
fsr-3378	617	6	last	last	ADJ
fsr-3378	617	7	request	request	VERB
fsr-3378	617	8	a	a	DET
fsr-3378	617	9	credit	credit	NOUN
fsr-3378	617	10	report	report	NOUN
fsr-3378	617	11	?	?	PUNCT
fsr-3378	618	1	_	_	PUNCT
fsr-3378	619	1	_	_	PUNCT
fsr-3378	620	1	_	_	PUNCT
fsr-3378	621	1	_	_	PUNCT
fsr-3378	622	1	_	_	PUNCT
fsr-3378	623	1	_	_	PUNCT
fsr-3378	624	1	_	_	PUNCT
fsr-3378	625	1	_	_	PUNCT
fsr-3378	626	1	_	_	PUNCT
fsr-3378	627	1	_	_	PUNCT
fsr-3378	628	1	_	_	PUNCT
fsr-3378	629	1	_	_	PUNCT
fsr-3378	630	1	_	_	PUNCT
fsr-3378	630	2	have	have	AUX
fsr-3378	630	3	you	you	PRON
fsr-3378	630	4	ever	ever	ADV
fsr-3378	630	5	previously	previously	ADV
fsr-3378	630	6	disputed	dispute	VERB
fsr-3378	630	7	any	any	DET
fsr-3378	630	8	inaccurate	inaccurate	ADJ
fsr-3378	630	9	information	information	NOUN
fsr-3378	630	10	on	on	ADP
fsr-3378	630	11	any	any	PRON
fsr-3378	630	12	of	of	ADP
fsr-3378	630	13	your	your	PRON
fsr-3378	630	14	credit	credit	NOUN
fsr-3378	630	15	reports	report	NOUN
fsr-3378	630	16	or	or	CCONJ
fsr-3378	630	17	requested	request	VERB
fsr-3378	630	18	that	that	SCONJ
fsr-3378	630	19	some	some	DET
fsr-3378	630	20	negative	negative	ADJ
fsr-3378	630	21	information	information	NOUN
fsr-3378	630	22	removed	remove	VERB
fsr-3378	630	23	?	?	PUNCT
fsr-3378	631	1	yes	yes	INTJ
fsr-3378	632	1	_	_	PUNCT
fsr-3378	632	2	_	_	PUNCT
fsr-3378	633	1	no	no	PRON
fsr-3378	634	1	_	_	PUNCT
fsr-3378	635	1	_	_	PUNCT
fsr-3378	636	1	if	if	SCONJ
fsr-3378	636	2	yes	yes	ADV
fsr-3378	636	3	:	:	PUNCT
fsr-3378	636	4	a	a	X
fsr-3378	636	5	)	)	PUNCT
fsr-3378	636	6	when	when	SCONJ
fsr-3378	636	7	did	do	AUX
fsr-3378	636	8	you	you	PRON
fsr-3378	636	9	last	last	ADJ
fsr-3378	636	10	dispute	dispute	NOUN
fsr-3378	636	11	inaccurate	inaccurate	ADJ
fsr-3378	636	12	information	information	NOUN
fsr-3378	636	13	on	on	ADP
fsr-3378	636	14	your	your	PRON
fsr-3378	636	15	credit	credit	NOUN
fsr-3378	636	16	report	report	NOUN
fsr-3378	636	17	?	?	PUNCT
fsr-3378	637	1	_	_	PUNCT
fsr-3378	638	1	_	_	PUNCT
fsr-3378	639	1	_	_	PUNCT
fsr-3378	640	1	_	_	PUNCT
fsr-3378	641	1	_	_	PUNCT
fsr-3378	642	1	_	_	PUNCT
fsr-3378	643	1	_	_	PUNCT
fsr-3378	644	1	_	_	PUNCT
fsr-3378	645	1	_	_	PUNCT
fsr-3378	646	1	_	_	PUNCT
fsr-3378	647	1	_	_	PUNCT
fsr-3378	648	1	b	b	X
fsr-3378	648	2	)	)	PUNCT
fsr-3378	648	3	were	be	AUX
fsr-3378	648	4	you	you	PRON
fsr-3378	648	5	successful	successful	ADJ
fsr-3378	648	6	in	in	ADP
fsr-3378	648	7	getting	get	VERB
fsr-3378	648	8	the	the	DET
fsr-3378	648	9	item	item	NOUN
fsr-3378	648	10	changed	change	VERB
fsr-3378	648	11	or	or	CCONJ
fsr-3378	648	12	removed	remove	VERB
fsr-3378	648	13	?	?	PUNCT
fsr-3378	649	1	yes	yes	INTJ
fsr-3378	650	1	no	no	INTJ
fsr-3378	650	2	c	c	NOUN
fsr-3378	650	3	)	)	PUNCT
fsr-3378	650	4	if	if	SCONJ
fsr-3378	650	5	yes	yes	ADV
fsr-3378	650	6	,	,	PUNCT
fsr-3378	650	7	how	how	SCONJ
fsr-3378	650	8	did	do	AUX
fsr-3378	650	9	you	you	PRON
fsr-3378	650	10	accomplish	accomplish	VERB
fsr-3378	650	11	this	this	PRON
fsr-3378	650	12	?	?	PUNCT
fsr-3378	651	1	for	for	ADP
fsr-3378	651	2	example	example	NOUN
fsr-3378	651	3	did	do	AUX
fsr-3378	651	4	you	you	PRON
fsr-3378	651	5	write	write	VERB
fsr-3378	651	6	to	to	ADP
fsr-3378	651	7	a	a	DET
fsr-3378	651	8	bureau	bureau	NOUN
fsr-3378	651	9	,	,	PUNCT
fsr-3378	651	10	telephone	telephone	NOUN
fsr-3378	651	11	the	the	DET
fsr-3378	651	12	creditor	creditor	NOUN
fsr-3378	651	13	,	,	PUNCT
fsr-3378	651	14	write	write	VERB
fsr-3378	651	15	to	to	ADP
fsr-3378	651	16	a	a	DET
fsr-3378	651	17	creditor	creditor	NOUN
fsr-3378	651	18	,	,	PUNCT
fsr-3378	651	19	use	use	VERB
fsr-3378	651	20	a	a	DET
fsr-3378	651	21	bureau	bureau	NOUN
fsr-3378	651	22	website	website	NOUN
fsr-3378	651	23	,	,	PUNCT
fsr-3378	651	24	or	or	CCONJ
fsr-3378	651	25	get	get	VERB
fsr-3378	651	26	help	help	NOUN
fsr-3378	651	27	from	from	ADP
fsr-3378	651	28	a	a	DET
fsr-3378	651	29	credit	credit	NOUN
fsr-3378	651	30	counselor	counselor	NOUN
fsr-3378	651	31	?	?	PUNCT
fsr-3378	652	1	d	d	X
fsr-3378	652	2	)	)	PUNCT
fsr-3378	652	3	how	how	SCONJ
fsr-3378	652	4	long	long	ADV
fsr-3378	652	5	did	do	AUX
fsr-3378	652	6	it	it	PRON
fsr-3378	652	7	take	take	VERB
fsr-3378	652	8	?	?	PUNCT
fsr-3378	653	1	(	(	PUNCT
fsr-3378	653	2	hours	hour	NOUN
fsr-3378	653	3	of	of	ADP
fsr-3378	653	4	effort	effort	NOUN
fsr-3378	653	5	on	on	ADP
fsr-3378	653	6	the	the	DET
fsr-3378	653	7	consumer	consumer	NOUN
fsr-3378	653	8	’s	’s	PART
fsr-3378	653	9	part	part	NOUN
fsr-3378	653	10	)	)	PUNCT
fsr-3378	654	1	_	_	PUNCT
fsr-3378	655	1	_	_	PUNCT
fsr-3378	656	1	_	_	PUNCT
fsr-3378	657	1	_	_	PUNCT
fsr-3378	658	1	_	_	PUNCT
fsr-3378	659	1	_	_	PUNCT
fsr-3378	660	1	_	_	PUNCT
fsr-3378	661	1	_	_	PUNCT
fsr-3378	662	1	_	_	PUNCT
fsr-3378	663	1	_	_	PUNCT
fsr-3378	664	1	_	_	PUNCT
fsr-3378	665	1	_	_	PUNCT
fsr-3378	666	1	_	_	PUNCT
fsr-3378	667	1	_	_	PUNCT
fsr-3378	668	1	_	_	PUNCT
fsr-3378	669	1	e	e	X
fsr-3378	669	2	)	)	PUNCT
fsr-3378	669	3	how	how	SCONJ
fsr-3378	669	4	were	be	AUX
fsr-3378	669	5	you	you	PRON
fsr-3378	669	6	notified	notify	VERB
fsr-3378	669	7	of	of	ADP
fsr-3378	669	8	the	the	DET
fsr-3378	669	9	result	result	NOUN
fsr-3378	669	10	?	?	PUNCT
fsr-3378	669	11	:	:	PUNCT
fsr-3378	670	1	e	e	X
fsr-3378	670	2	-	-	NOUN
fsr-3378	670	3	mail	mail	NOUN
fsr-3378	670	4	_	_	PUNCT
fsr-3378	670	5	_	_	PUNCT
fsr-3378	671	1	mail	mail	NOUN
fsr-3378	671	2	_	_	PUNCT
fsr-3378	672	1	_	_	PUNCT
fsr-3378	672	2	_	_	PUNCT
fsr-3378	673	1	phone	phone	NOUN
fsr-3378	673	2	_	_	PUNCT
fsr-3378	673	3	_	_	PUNCT
fsr-3378	674	1	other	other	ADJ
fsr-3378	674	2	_	_	PUNCT
fsr-3378	675	1	_	_	PUNCT
fsr-3378	675	2	_	_	PUNCT
fsr-3378	676	1	none	none	NOUN
fsr-3378	676	2	_	_	PUNCT
fsr-3378	677	1	_	_	PUNCT
fsr-3378	678	1	_	_	PUNCT
fsr-3378	679	1	f	f	X
fsr-3378	679	2	)	)	PUNCT
fsr-3378	679	3	have	have	AUX
fsr-3378	679	4	you	you	PRON
fsr-3378	679	5	previously	previously	ADV
fsr-3378	679	6	obtained	obtain	VERB
fsr-3378	679	7	your	your	PRON
fsr-3378	679	8	credit	credit	NOUN
fsr-3378	679	9	scores	score	NOUN
fsr-3378	679	10	?	?	PUNCT
fsr-3378	680	1	for	for	ADP
fsr-3378	680	2	example	example	NOUN
fsr-3378	680	3	,	,	PUNCT
fsr-3378	680	4	have	have	AUX
fsr-3378	680	5	you	you	PRON
fsr-3378	680	6	ever	ever	ADV
fsr-3378	680	7	obtained	obtain	VERB
fsr-3378	680	8	your	your	PRON
fsr-3378	680	9	fico	fico	NOUN
fsr-3378	680	10	score	score	NOUN
fsr-3378	680	11	,	,	PUNCT
fsr-3378	680	12	vantage	vantage	NOUN
fsr-3378	680	13	score	score	NOUN
fsr-3378	680	14	,	,	PUNCT
fsr-3378	680	15	or	or	CCONJ
fsr-3378	680	16	some	some	DET
fsr-3378	680	17	other	other	ADJ
fsr-3378	680	18	credit	credit	NOUN
fsr-3378	680	19	score	score	NOUN
fsr-3378	680	20	?	?	PUNCT
fsr-3378	681	1	yes	yes	INTJ
fsr-3378	682	1	_	_	PUNCT
fsr-3378	682	2	_	_	PUNCT
fsr-3378	683	1	no	no	INTJ
fsr-3378	684	1	_	_	PUNCT
fsr-3378	685	1	_	_	PUNCT
fsr-3378	686	1	if	if	SCONJ
fsr-3378	686	2	yes	yes	ADV
fsr-3378	686	3	:	:	PUNCT
fsr-3378	686	4	a	a	X
fsr-3378	686	5	)	)	PUNCT
fsr-3378	686	6	where	where	SCONJ
fsr-3378	686	7	did	do	AUX
fsr-3378	686	8	you	you	PRON
fsr-3378	686	9	get	get	VERB
fsr-3378	686	10	your	your	PRON
fsr-3378	686	11	credit	credit	NOUN
fsr-3378	686	12	score	score	NOUN
fsr-3378	686	13	?	?	PUNCT
fsr-3378	687	1	_	_	PUNCT
fsr-3378	688	1	_	_	PUNCT
fsr-3378	689	1	_	_	PUNCT
fsr-3378	690	1	_	_	PUNCT
fsr-3378	691	1	_	_	PUNCT
fsr-3378	692	1	_	_	PUNCT
fsr-3378	693	1	_	_	PUNCT
fsr-3378	694	1	_	_	PUNCT
fsr-3378	695	1	_	_	PUNCT
fsr-3378	696	1	_	_	PUNCT
fsr-3378	697	1	_	_	PUNCT
fsr-3378	698	1	_	_	PUNCT
fsr-3378	699	1	_	_	PUNCT
fsr-3378	700	1	_	_	PUNCT
fsr-3378	701	1	_	_	PUNCT
fsr-3378	702	1	_	_	PUNCT
fsr-3378	703	1	_	_	PUNCT
fsr-3378	704	1	_	_	PUNCT
fsr-3378	705	1	_	_	PUNCT
fsr-3378	706	1	b	b	X
fsr-3378	706	2	)	)	PUNCT
fsr-3378	706	3	when	when	SCONJ
fsr-3378	706	4	did	do	AUX
fsr-3378	706	5	you	you	PRON
fsr-3378	706	6	last	last	VERB
fsr-3378	706	7	obtain	obtain	VERB
fsr-3378	706	8	your	your	PRON
fsr-3378	706	9	credit	credit	NOUN
fsr-3378	706	10	score	score	NOUN
fsr-3378	706	11	?	?	PUNCT
fsr-3378	707	1	_	_	PUNCT
fsr-3378	708	1	_	_	PUNCT
fsr-3378	709	1	_	_	PUNCT
fsr-3378	710	1	_	_	PUNCT
fsr-3378	711	1	_	_	PUNCT
fsr-3378	712	1	_	_	PUNCT
fsr-3378	713	1	_	_	PUNCT
fsr-3378	714	1	_	_	PUNCT
fsr-3378	715	1	_	_	PUNCT
fsr-3378	716	1	_	_	PUNCT
fsr-3378	717	1	_	_	PUNCT
fsr-3378	718	1	_	_	PUNCT
fsr-3378	719	1	_	_	PUNCT
fsr-3378	720	1	_	_	PUNCT
fsr-3378	721	1	_	_	PUNCT
fsr-3378	722	1	_	_	PUNCT
fsr-3378	723	1	_	_	PUNCT
fsr-3378	724	1	_	_	PUNCT
fsr-3378	725	1	_	_	PUNCT
fsr-3378	726	1	_	_	PUNCT
fsr-3378	727	1	_	_	PUNCT
fsr-3378	728	1	_	_	PUNCT
fsr-3378	729	1	_	_	PUNCT
fsr-3378	730	1	_	_	PUNCT
fsr-3378	731	1	c	c	X
fsr-3378	731	2	)	)	PUNCT
fsr-3378	731	3	have	have	AUX
fsr-3378	731	4	you	you	PRON
fsr-3378	731	5	obtained	obtain	VERB
fsr-3378	731	6	credit	credit	NOUN
fsr-3378	731	7	in	in	ADP
fsr-3378	731	8	the	the	DET
fsr-3378	731	9	past	past	ADJ
fsr-3378	731	10	seven	seven	NUM
fsr-3378	731	11	years	year	NOUN
fsr-3378	731	12	that	that	PRON
fsr-3378	731	13	is	be	AUX
fsr-3378	731	14	not	not	PART
fsr-3378	731	15	reflected	reflect	VERB
fsr-3378	731	16	in	in	ADP
fsr-3378	731	17	your	your	PRON
fsr-3378	731	18	credit	credit	NOUN
fsr-3378	731	19	reports	report	NOUN
fsr-3378	731	20	?	?	PUNCT
fsr-3378	732	1	yes	yes	INTJ
fsr-3378	733	1	_	_	PUNCT
fsr-3378	733	2	_	_	PUNCT
fsr-3378	734	1	no	no	PRON
fsr-3378	735	1	_	_	PUNCT
fsr-3378	736	1	_	_	PUNCT
fsr-3378	737	1	if	if	SCONJ
fsr-3378	737	2	yes	yes	ADV
fsr-3378	737	3	:	:	PUNCT
fsr-3378	737	4	a	a	X
fsr-3378	737	5	)	)	PUNCT
fsr-3378	737	6	what	what	PRON
fsr-3378	737	7	was	be	AUX
fsr-3378	737	8	the	the	DET
fsr-3378	737	9	total	total	ADJ
fsr-3378	737	10	amount	amount	NOUN
fsr-3378	737	11	?	?	PUNCT
fsr-3378	738	1	_	_	PUNCT
fsr-3378	739	1	_	_	PUNCT
fsr-3378	740	1	_	_	PUNCT
fsr-3378	741	1	_	_	PUNCT
fsr-3378	742	1	_	_	PUNCT
fsr-3378	743	1	_	_	PUNCT
fsr-3378	744	1	_	_	PUNCT
fsr-3378	745	1	_	_	PUNCT
fsr-3378	746	1	_	_	PUNCT
fsr-3378	747	1	_	_	PUNCT
fsr-3378	748	1	_	_	PUNCT
fsr-3378	749	1	_	_	PUNCT
fsr-3378	750	1	_	_	PUNCT
fsr-3378	751	1	_	_	PUNCT
fsr-3378	752	1	_	_	PUNCT
fsr-3378	753	1	_	_	PUNCT
fsr-3378	754	1	_	_	PUNCT
fsr-3378	755	1	_	_	PUNCT
fsr-3378	756	1	_	_	PUNCT
fsr-3378	757	1	_	_	PUNCT
fsr-3378	758	1	_	_	PUNCT
fsr-3378	759	1	_	_	PUNCT
fsr-3378	760	1	_	_	PUNCT
fsr-3378	761	1	_	_	PUNCT
fsr-3378	762	1	_	_	PUNCT
fsr-3378	763	1	b	b	X
fsr-3378	763	2	)	)	PUNCT
fsr-3378	763	3	was	be	AUX
fsr-3378	763	4	there	there	PRON
fsr-3378	763	5	a	a	DET
fsr-3378	763	6	formal	formal	ADJ
fsr-3378	763	7	payment	payment	NOUN
fsr-3378	763	8	schedule	schedule	NOUN
fsr-3378	763	9	?	?	PUNCT
fsr-3378	764	1	yes	yes	INTJ
fsr-3378	765	1	_	_	PUNCT
fsr-3378	765	2	_	_	PUNCT
fsr-3378	766	1	no	no	PRON
fsr-3378	767	1	_	_	PUNCT
fsr-3378	768	1	_	_	PUNCT
fsr-3378	769	1	if	if	SCONJ
fsr-3378	769	2	yes	yes	ADJ
fsr-3378	769	3	:	:	PUNCT
fsr-3378	769	4	c	c	X
fsr-3378	769	5	)	)	PUNCT
fsr-3378	769	6	were	be	AUX
fsr-3378	769	7	all	all	DET
fsr-3378	769	8	payments	payment	NOUN
fsr-3378	769	9	made	make	VERB
fsr-3378	769	10	on	on	ADP
fsr-3378	769	11	time	time	NOUN
fsr-3378	769	12	?	?	PUNCT
fsr-3378	770	1	yes	yes	INTJ
fsr-3378	771	1	_	_	PUNCT
fsr-3378	771	2	_	_	PUNCT
fsr-3378	772	1	no	no	INTJ
fsr-3378	773	1	_	_	PUNCT
fsr-3378	773	2	_	_	PUNCT
fsr-3378	774	1	d	d	X
fsr-3378	774	2	)	)	PUNCT
fsr-3378	774	3	are	be	AUX
fsr-3378	774	4	the	the	DET
fsr-3378	774	5	loans	loan	NOUN
fsr-3378	774	6	completely	completely	ADV
fsr-3378	774	7	paid	pay	VERB
fsr-3378	774	8	off	off	ADP
fsr-3378	774	9	?	?	PUNCT
fsr-3378	775	1	yes	yes	INTJ
fsr-3378	776	1	_	_	PUNCT
fsr-3378	776	2	_	_	PUNCT
fsr-3378	777	1	no	no	PRON
fsr-3378	778	1	_	_	PUNCT
fsr-3378	779	1	_	_	PUNCT
fsr-3378	779	2	(	(	PUNCT
fsr-3378	779	3	continued	continue	VERB
fsr-3378	779	4	on	on	ADP
fsr-3378	779	5	next	next	ADJ
fsr-3378	779	6	page	page	NOUN
fsr-3378	779	7	)	)	PUNCT
fsr-3378	779	8	25l.d	25l.d	NUM
fsr-3378	779	9	.	.	PUNCT
fsr-3378	780	1	smith	smith	PROPN
fsr-3378	780	2	et	et	PROPN
fsr-3378	780	3	al	al	PROPN
fsr-3378	780	4	.	.	PUNCT
fsr-3378	780	5	/	/	SYM
fsr-3378	780	6	financial	financial	ADJ
fsr-3378	780	7	services	service	NOUN
fsr-3378	780	8	review	review	VERB
fsr-3378	780	9	27	27	NUM
fsr-3378	780	10	(	(	PUNCT
fsr-3378	780	11	2018	2018	NUM
fsr-3378	780	12	)	)	PUNCT
fsr-3378	780	13	1	1	NUM
fsr-3378	780	14	-	-	SYM
fsr-3378	780	15	28	28	NUM
fsr-3378	780	16	appendix	appendix	NOUN
fsr-3378	780	17	b	b	NOUN
fsr-3378	780	18	:	:	PUNCT
fsr-3378	780	19	(	(	PUNCT
fsr-3378	780	20	continued	continue	VERB
fsr-3378	780	21	)	)	PUNCT
fsr-3378	780	22	do	do	AUX
fsr-3378	780	23	you	you	PRON
fsr-3378	780	24	generally	generally	ADV
fsr-3378	780	25	pay	pay	VERB
fsr-3378	780	26	more	more	ADJ
fsr-3378	780	27	than	than	ADP
fsr-3378	780	28	the	the	DET
fsr-3378	780	29	minimum	minimum	ADJ
fsr-3378	780	30	balance	balance	NOUN
fsr-3378	780	31	on	on	ADP
fsr-3378	780	32	all	all	DET
fsr-3378	780	33	your	your	PRON
fsr-3378	780	34	credit	credit	NOUN
fsr-3378	780	35	cards	card	NOUN
fsr-3378	780	36	every	every	DET
fsr-3378	780	37	month	month	NOUN
fsr-3378	780	38	?	?	PUNCT
fsr-3378	781	1	yes	yes	INTJ
fsr-3378	782	1	_	_	PUNCT
fsr-3378	782	2	_	_	PUNCT
fsr-3378	783	1	no	no	PRON
fsr-3378	784	1	_	_	PUNCT
fsr-3378	785	1	_	_	PUNCT
fsr-3378	786	1	do	do	AUX
fsr-3378	786	2	you	you	PRON
fsr-3378	786	3	generally	generally	ADV
fsr-3378	786	4	pay	pay	VERB
fsr-3378	786	5	off	off	ADP
fsr-3378	786	6	all	all	DET
fsr-3378	786	7	your	your	PRON
fsr-3378	786	8	credit	credit	NOUN
fsr-3378	786	9	card	card	NOUN
fsr-3378	786	10	balances	balance	NOUN
fsr-3378	786	11	from	from	ADP
fsr-3378	786	12	month	month	NOUN
fsr-3378	786	13	to	to	ADP
fsr-3378	786	14	month	month	NOUN
fsr-3378	786	15	?	?	PUNCT
fsr-3378	787	1	yes	yes	INTJ
fsr-3378	788	1	_	_	PUNCT
fsr-3378	788	2	_	_	PUNCT
fsr-3378	789	1	no	no	PRON
fsr-3378	790	1	_	_	PUNCT
fsr-3378	790	2	_	_	PUNCT
fsr-3378	790	3	in	in	ADP
fsr-3378	790	4	the	the	DET
fsr-3378	790	5	past	past	ADJ
fsr-3378	790	6	12	12	NUM
fsr-3378	790	7	months	month	NOUN
fsr-3378	790	8	have	have	AUX
fsr-3378	790	9	you	you	PRON
fsr-3378	790	10	had	have	VERB
fsr-3378	790	11	any	any	DET
fsr-3378	790	12	late	late	ADJ
fsr-3378	790	13	payment	payment	NOUN
fsr-3378	790	14	fees	fee	NOUN
fsr-3378	790	15	for	for	ADP
fsr-3378	790	16	credit	credit	NOUN
fsr-3378	790	17	cards	card	NOUN
fsr-3378	790	18	,	,	PUNCT
fsr-3378	790	19	overdraft	overdraft	NOUN
fsr-3378	790	20	charges	charge	NOUN
fsr-3378	790	21	on	on	ADP
fsr-3378	790	22	bank	bank	NOUN
fsr-3378	790	23	accounts	account	NOUN
fsr-3378	790	24	,	,	PUNCT
fsr-3378	790	25	or	or	CCONJ
fsr-3378	790	26	other	other	ADJ
fsr-3378	790	27	late	late	ADJ
fsr-3378	790	28	payment	payment	NOUN
fsr-3378	790	29	fees	fee	NOUN
fsr-3378	790	30	?	?	PUNCT
fsr-3378	791	1	yes	yes	INTJ
fsr-3378	792	1	_	_	PUNCT
fsr-3378	792	2	_	_	PUNCT
fsr-3378	793	1	no	no	PRON
fsr-3378	794	1	_	_	PUNCT
fsr-3378	794	2	_	_	PUNCT
fsr-3378	795	1	within	within	ADP
fsr-3378	795	2	the	the	DET
fsr-3378	795	3	past	past	ADJ
fsr-3378	795	4	year	year	NOUN
fsr-3378	795	5	have	have	AUX
fsr-3378	795	6	you	you	PRON
fsr-3378	795	7	had	have	VERB
fsr-3378	795	8	any	any	PRON
fsr-3378	795	9	of	of	ADP
fsr-3378	795	10	your	your	PRON
fsr-3378	795	11	credit	credit	NOUN
fsr-3378	795	12	limits	limit	NOUN
fsr-3378	795	13	on	on	ADP
fsr-3378	795	14	your	your	PRON
fsr-3378	795	15	credit	credit	NOUN
fsr-3378	795	16	cards	card	NOUN
fsr-3378	795	17	or	or	CCONJ
fsr-3378	795	18	other	other	ADJ
fsr-3378	795	19	accounts	account	NOUN
fsr-3378	795	20	reduced	reduce	VERB
fsr-3378	795	21	?	?	PUNCT
fsr-3378	796	1	yes	yes	INTJ
fsr-3378	797	1	_	_	PUNCT
fsr-3378	797	2	_	_	PUNCT
fsr-3378	798	1	no	no	PRON
fsr-3378	799	1	_	_	PUNCT
fsr-3378	800	1	_	_	PUNCT
fsr-3378	801	1	if	if	SCONJ
fsr-3378	801	2	yes	yes	ADV
fsr-3378	801	3	:	:	PUNCT
fsr-3378	801	4	a	a	X
fsr-3378	801	5	)	)	PUNCT
fsr-3378	801	6	on	on	ADP
fsr-3378	801	7	how	how	SCONJ
fsr-3378	801	8	many	many	ADJ
fsr-3378	801	9	?	?	PUNCT
fsr-3378	802	1	_	_	PUNCT
fsr-3378	803	1	_	_	PUNCT
fsr-3378	804	1	_	_	PUNCT
fsr-3378	805	1	_	_	PUNCT
fsr-3378	806	1	_	_	PUNCT
fsr-3378	807	1	_	_	PUNCT
fsr-3378	808	1	_	_	PUNCT
fsr-3378	809	1	_	_	PUNCT
fsr-3378	810	1	b	b	X
fsr-3378	810	2	)	)	PUNCT
fsr-3378	810	3	by	by	ADP
fsr-3378	810	4	how	how	SCONJ
fsr-3378	810	5	much	much	ADJ
fsr-3378	810	6	?	?	PUNCT
fsr-3378	811	1	_	_	PUNCT
fsr-3378	812	1	_	_	PUNCT
fsr-3378	813	1	_	_	PUNCT
fsr-3378	814	1	_	_	PUNCT
fsr-3378	815	1	_	_	PUNCT
fsr-3378	816	1	_	_	PUNCT
fsr-3378	817	1	_	_	PUNCT
fsr-3378	818	1	_	_	PUNCT
fsr-3378	819	1	_	_	PUNCT
fsr-3378	820	1	_	_	PUNCT
fsr-3378	821	1	_	_	PUNCT
fsr-3378	822	1	_	_	PUNCT
fsr-3378	823	1	_	_	PUNCT
fsr-3378	824	1	_	_	PUNCT
fsr-3378	825	1	_	_	PUNCT
fsr-3378	826	1	_	_	PUNCT
fsr-3378	827	1	_	_	PUNCT
fsr-3378	828	1	_	_	PUNCT
fsr-3378	829	1	_	_	PUNCT
fsr-3378	830	1	_	_	PUNCT
fsr-3378	831	1	_	_	PUNCT
fsr-3378	832	1	_	_	PUNCT
fsr-3378	833	1	_	_	PUNCT
fsr-3378	834	1	_	_	PUNCT
fsr-3378	835	1	_	_	PUNCT
fsr-3378	836	1	_	_	PUNCT
fsr-3378	837	1	_	_	PUNCT
fsr-3378	838	1	_	_	PUNCT
fsr-3378	839	1	_	_	PUNCT
fsr-3378	840	1	_	_	PUNCT
fsr-3378	840	2	in	in	ADP
fsr-3378	840	3	the	the	DET
fsr-3378	840	4	past	past	ADJ
fsr-3378	840	5	12	12	NUM
fsr-3378	840	6	months	month	NOUN
fsr-3378	840	7	have	have	AUX
fsr-3378	840	8	you	you	PRON
fsr-3378	840	9	used	use	VERB
fsr-3378	840	10	pay	pay	NOUN
fsr-3378	840	11	day	day	NOUN
fsr-3378	840	12	loans	loan	NOUN
fsr-3378	840	13	,	,	PUNCT
fsr-3378	840	14	pawn	pawn	NOUN
fsr-3378	840	15	shops	shop	NOUN
fsr-3378	840	16	,	,	PUNCT
fsr-3378	840	17	auto	auto	NOUN
fsr-3378	840	18	title	title	NOUN
fsr-3378	840	19	loans	loan	NOUN
fsr-3378	840	20	or	or	CCONJ
fsr-3378	840	21	similar	similar	ADJ
fsr-3378	840	22	forms	form	NOUN
fsr-3378	840	23	of	of	ADP
fsr-3378	840	24	credit	credit	NOUN
fsr-3378	840	25	to	to	PART
fsr-3378	840	26	meet	meet	VERB
fsr-3378	840	27	you	you	PRON
fsr-3378	840	28	immediate	immediate	ADJ
fsr-3378	840	29	needs	need	NOUN
fsr-3378	840	30	for	for	ADP
fsr-3378	840	31	cash	cash	NOUN
fsr-3378	840	32	?	?	PUNCT
fsr-3378	841	1	yes	yes	INTJ
fsr-3378	842	1	_	_	PUNCT
fsr-3378	842	2	_	_	PUNCT
fsr-3378	843	1	no	no	PRON
fsr-3378	844	1	_	_	PUNCT
fsr-3378	845	1	_	_	PUNCT
fsr-3378	846	1	if	if	SCONJ
fsr-3378	846	2	yes	yes	ADV
fsr-3378	846	3	:	:	PUNCT
fsr-3378	846	4	a	a	X
fsr-3378	846	5	)	)	PUNCT
fsr-3378	846	6	how	how	SCONJ
fsr-3378	846	7	many	many	ADJ
fsr-3378	846	8	times	time	NOUN
fsr-3378	846	9	in	in	ADP
fsr-3378	846	10	the	the	DET
fsr-3378	846	11	past	past	ADJ
fsr-3378	846	12	12	12	NUM
fsr-3378	846	13	months	month	NOUN
fsr-3378	846	14	?	?	PUNCT
fsr-3378	847	1	_	_	PUNCT
fsr-3378	848	1	_	_	PUNCT
fsr-3378	849	1	_	_	PUNCT
fsr-3378	850	1	_	_	PUNCT
fsr-3378	851	1	_	_	PUNCT
fsr-3378	852	1	_	_	PUNCT
fsr-3378	853	1	_	_	PUNCT
fsr-3378	854	1	_	_	PUNCT
fsr-3378	855	1	b	b	X
fsr-3378	855	2	)	)	PUNCT
fsr-3378	855	3	did	do	AUX
fsr-3378	855	4	you	you	PRON
fsr-3378	855	5	use	use	VERB
fsr-3378	855	6	these	these	DET
fsr-3378	855	7	types	type	NOUN
fsr-3378	855	8	of	of	ADP
fsr-3378	855	9	loans	loan	NOUN
fsr-3378	855	10	to	to	PART
fsr-3378	855	11	avoid	avoid	VERB
fsr-3378	855	12	high	high	ADJ
fsr-3378	855	13	late	late	ADJ
fsr-3378	855	14	payment	payment	NOUN
fsr-3378	855	15	fees	fee	NOUN
fsr-3378	855	16	or	or	CCONJ
fsr-3378	855	17	interest	interest	NOUN
fsr-3378	855	18	charges	charge	NOUN
fsr-3378	855	19	on	on	ADP
fsr-3378	855	20	other	other	ADJ
fsr-3378	855	21	forms	form	NOUN
fsr-3378	855	22	of	of	ADP
fsr-3378	855	23	credit	credit	NOUN
fsr-3378	855	24	?	?	PUNCT
fsr-3378	856	1	_	_	PUNCT
fsr-3378	857	1	_	_	PUNCT
fsr-3378	858	1	_	_	PUNCT
fsr-3378	859	1	_	_	PUNCT
fsr-3378	860	1	_	_	PUNCT
fsr-3378	861	1	_	_	PUNCT
fsr-3378	862	1	_	_	PUNCT
fsr-3378	863	1	_	_	PUNCT
fsr-3378	864	1	_	_	PUNCT
fsr-3378	865	1	_	_	PUNCT
fsr-3378	866	1	_	_	PUNCT
fsr-3378	867	1	_	_	PUNCT
fsr-3378	868	1	_	_	PUNCT
fsr-3378	869	1	_	_	PUNCT
fsr-3378	870	1	_	_	PUNCT
fsr-3378	871	1	_	_	PUNCT
fsr-3378	872	1	_	_	PUNCT
fsr-3378	873	1	_	_	PUNCT
fsr-3378	874	1	_	_	PUNCT
fsr-3378	875	1	_	_	PUNCT
fsr-3378	876	1	_	_	PUNCT
fsr-3378	877	1	_	_	PUNCT
fsr-3378	878	1	_	_	PUNCT
fsr-3378	879	1	_	_	PUNCT
fsr-3378	880	1	_	_	PUNCT
fsr-3378	881	1	_	_	PUNCT
fsr-3378	882	1	_	_	PUNCT
fsr-3378	883	1	_	_	PUNCT
fsr-3378	884	1	_	_	PUNCT
fsr-3378	885	1	_	_	PUNCT
fsr-3378	886	1	_	_	PUNCT
fsr-3378	887	1	_	_	PUNCT
fsr-3378	888	1	_	_	PUNCT
fsr-3378	889	1	_	_	PUNCT
fsr-3378	890	1	_	_	PUNCT
fsr-3378	891	1	_	_	PUNCT
fsr-3378	892	1	_	_	PUNCT
fsr-3378	893	1	_	_	PUNCT
fsr-3378	894	1	_	_	PUNCT
fsr-3378	895	1	_	_	PUNCT
fsr-3378	896	1	_	_	PUNCT
fsr-3378	897	1	_	_	PUNCT
fsr-3378	897	2	household	household	NOUN
fsr-3378	897	3	characteristics	characteristic	NOUN
fsr-3378	897	4	“	"	PUNCT
fsr-3378	897	5	.	.	PUNCT
fsr-3378	897	6	.	.	PUNCT
fsr-3378	897	7	.	.	PUNCT
fsr-3378	898	1	the	the	DET
fsr-3378	898	2	ftc	ftc	PROPN
fsr-3378	898	3	needs	need	VERB
fsr-3378	898	4	to	to	PART
fsr-3378	898	5	ensure	ensure	VERB
fsr-3378	898	6	that	that	SCONJ
fsr-3378	898	7	it	it	PRON
fsr-3378	898	8	has	have	AUX
fsr-3378	898	9	based	base	VERB
fsr-3378	898	10	its	its	PRON
fsr-3378	898	11	study	study	NOUN
fsr-3378	898	12	on	on	ADP
fsr-3378	898	13	a	a	DET
fsr-3378	898	14	properly	properly	ADV
fsr-3378	898	15	representative	representative	ADJ
fsr-3378	898	16	sample	sample	NOUN
fsr-3378	898	17	of	of	ADP
fsr-3378	898	18	u.s	u.s	PROPN
fsr-3378	898	19	.	.	PROPN
fsr-3378	898	20	consumers	consumer	NOUN
fsr-3378	898	21	.	.	PUNCT
fsr-3378	899	1	we	we	PRON
fsr-3378	899	2	need	need	VERB
fsr-3378	899	3	,	,	PUNCT
fsr-3378	899	4	therefore	therefore	ADV
fsr-3378	899	5	,	,	PUNCT
fsr-3378	899	6	to	to	PART
fsr-3378	899	7	provide	provide	VERB
fsr-3378	899	8	(	(	PUNCT
fsr-3378	899	9	anonymously	anonymously	ADV
fsr-3378	899	10	)	)	PUNCT
fsr-3378	899	11	some	some	DET
fsr-3378	899	12	information	information	NOUN
fsr-3378	899	13	about	about	ADP
fsr-3378	899	14	each	each	DET
fsr-3378	899	15	participant	participant	NOUN
fsr-3378	899	16	and	and	CCONJ
fsr-3378	899	17	their	their	PRON
fsr-3378	899	18	households	household	NOUN
fsr-3378	899	19	.	.	PUNCT
fsr-3378	900	1	we	we	PRON
fsr-3378	900	2	have	have	VERB
fsr-3378	900	3	a	a	DET
fsr-3378	900	4	few	few	ADJ
fsr-3378	900	5	general	general	ADJ
fsr-3378	900	6	questions	question	NOUN
fsr-3378	900	7	in	in	ADP
fsr-3378	900	8	that	that	DET
fsr-3378	900	9	regard	regard	NOUN
fsr-3378	900	10	.	.	PUNCT
fsr-3378	900	11	.	.	PUNCT
fsr-3378	900	12	.	.	PUNCT
fsr-3378	900	13	”	"	PUNCT
fsr-3378	901	1	1	1	NUM
fsr-3378	901	2	.	.	X
fsr-3378	901	3	in	in	ADP
fsr-3378	901	4	which	which	PRON
fsr-3378	901	5	age	age	NOUN
fsr-3378	901	6	bracket	bracket	NOUN
fsr-3378	901	7	would	would	AUX
fsr-3378	901	8	you	you	PRON
fsr-3378	901	9	place	place	VERB
fsr-3378	901	10	yourself	yourself	PRON
fsr-3378	901	11	?	?	PUNCT
fsr-3378	902	1	(	(	PUNCT
fsr-3378	902	2	a	a	X
fsr-3378	902	3	)	)	PUNCT
fsr-3378	902	4	under	under	ADP
fsr-3378	902	5	30	30	NUM
fsr-3378	902	6	(	(	PUNCT
fsr-3378	902	7	b	b	NOUN
fsr-3378	902	8	)	)	PUNCT
fsr-3378	902	9	31–40	31–40	NUM
fsr-3378	902	10	(	(	PUNCT
fsr-3378	902	11	c	c	NOUN
fsr-3378	902	12	)	)	PUNCT
fsr-3378	902	13	41–50	41–50	NUM
fsr-3378	902	14	2	2	NUM
fsr-3378	902	15	.	.	PUNCT
fsr-3378	903	1	(	(	PUNCT
fsr-3378	903	2	d	d	X
fsr-3378	903	3	)	)	PUNCT
fsr-3378	903	4	51–60	51–60	PROPN
fsr-3378	903	5	(	(	PUNCT
fsr-3378	903	6	e	e	NOUN
fsr-3378	903	7	)	)	PUNCT
fsr-3378	903	8	over	over	ADP
fsr-3378	903	9	60	60	NUM
fsr-3378	903	10	3	3	NUM
fsr-3378	903	11	.	.	PUNCT
fsr-3378	904	1	what	what	PRON
fsr-3378	904	2	is	be	AUX
fsr-3378	904	3	your	your	PRON
fsr-3378	904	4	gender	gender	NOUN
fsr-3378	904	5	?	?	PUNCT
fsr-3378	905	1	m	m	PUNCT
fsr-3378	906	1	_	_	PUNCT
fsr-3378	906	2	_	_	PUNCT
fsr-3378	907	1	f	f	PUNCT
fsr-3378	908	1	_	_	PUNCT
fsr-3378	908	2	_	_	PUNCT
fsr-3378	909	1	4	4	X
fsr-3378	909	2	.	.	PUNCT
fsr-3378	909	3	would	would	AUX
fsr-3378	909	4	you	you	PRON
fsr-3378	909	5	classify	classify	VERB
fsr-3378	909	6	yourself	yourself	PRON
fsr-3378	909	7	as	as	ADP
fsr-3378	909	8	:	:	PUNCT
fsr-3378	909	9	(	(	PUNCT
fsr-3378	909	10	a	a	X
fsr-3378	909	11	)	)	PUNCT
fsr-3378	909	12	white	white	ADJ
fsr-3378	909	13	,	,	PUNCT
fsr-3378	909	14	(	(	PUNCT
fsr-3378	909	15	b	b	NOUN
fsr-3378	909	16	)	)	PUNCT
fsr-3378	909	17	african	african	ADJ
fsr-3378	909	18	-	-	PUNCT
fsr-3378	909	19	american	american	ADJ
fsr-3378	909	20	,	,	PUNCT
fsr-3378	909	21	(	(	PUNCT
fsr-3378	909	22	c	c	NOUN
fsr-3378	909	23	)	)	PUNCT
fsr-3378	909	24	hispanic	hispanic	NOUN
fsr-3378	909	25	5	5	NUM
fsr-3378	909	26	.	.	PUNCT
fsr-3378	910	1	(	(	PUNCT
fsr-3378	910	2	d	d	X
fsr-3378	910	3	)	)	PUNCT
fsr-3378	910	4	asian	asian	ADJ
fsr-3378	910	5	,	,	PUNCT
fsr-3378	910	6	(	(	PUNCT
fsr-3378	910	7	e	e	NOUN
fsr-3378	910	8	)	)	PUNCT
fsr-3378	910	9	other	other	ADJ
fsr-3378	910	10	6	6	NUM
fsr-3378	910	11	.	.	PUNCT
fsr-3378	911	1	are	be	AUX
fsr-3378	911	2	you	you	PRON
fsr-3378	911	3	currently	currently	ADV
fsr-3378	911	4	:	:	PUNCT
fsr-3378	911	5	(	(	PUNCT
fsr-3378	911	6	a	a	X
fsr-3378	911	7	)	)	PUNCT
fsr-3378	911	8	married	married	ADJ
fsr-3378	911	9	,	,	PUNCT
fsr-3378	911	10	(	(	PUNCT
fsr-3378	911	11	b	b	NOUN
fsr-3378	911	12	)	)	PUNCT
fsr-3378	911	13	living	live	VERB
fsr-3378	911	14	with	with	ADP
fsr-3378	911	15	a	a	DET
fsr-3378	911	16	partner	partner	NOUN
fsr-3378	911	17	,	,	PUNCT
fsr-3378	911	18	(	(	PUNCT
fsr-3378	911	19	c	c	X
fsr-3378	911	20	)	)	PUNCT
fsr-3378	911	21	never	never	ADV
fsr-3378	911	22	married	marry	VERB
fsr-3378	911	23	,	,	PUNCT
fsr-3378	911	24	(	(	PUNCT
fsr-3378	911	25	d	d	X
fsr-3378	911	26	)	)	PUNCT
fsr-3378	911	27	divorced	divorce	VERB
fsr-3378	911	28	,	,	PUNCT
fsr-3378	911	29	(	(	PUNCT
fsr-3378	911	30	e	e	NOUN
fsr-3378	911	31	)	)	PUNCT
fsr-3378	911	32	separated	separate	VERB
fsr-3378	911	33	,	,	PUNCT
fsr-3378	911	34	(	(	PUNCT
fsr-3378	911	35	f	f	X
fsr-3378	911	36	)	)	PUNCT
fsr-3378	911	37	widowed	widow	VERB
fsr-3378	911	38	7	7	NUM
fsr-3378	911	39	.	.	PUNCT
fsr-3378	912	1	what	what	PRON
fsr-3378	912	2	is	be	AUX
fsr-3378	912	3	your	your	PRON
fsr-3378	912	4	highest	high	ADJ
fsr-3378	912	5	level	level	NOUN
fsr-3378	912	6	of	of	ADP
fsr-3378	912	7	education	education	NOUN
fsr-3378	912	8	?	?	PUNCT
fsr-3378	913	1	(	(	PUNCT
fsr-3378	913	2	a	a	X
fsr-3378	913	3	)	)	PUNCT
fsr-3378	913	4	no	no	DET
fsr-3378	913	5	high	high	ADJ
fsr-3378	913	6	school	school	NOUN
fsr-3378	913	7	diploma	diploma	NOUN
fsr-3378	913	8	(	(	PUNCT
fsr-3378	913	9	b	b	NOUN
fsr-3378	913	10	)	)	PUNCT
fsr-3378	913	11	high	high	ADJ
fsr-3378	913	12	school	school	NOUN
fsr-3378	913	13	diploma	diploma	NOUN
fsr-3378	913	14	(	(	PUNCT
fsr-3378	913	15	c	c	X
fsr-3378	913	16	)	)	PUNCT
fsr-3378	913	17	some	some	DET
fsr-3378	913	18	college	college	NOUN
fsr-3378	913	19	(	(	PUNCT
fsr-3378	913	20	d	d	NOUN
fsr-3378	913	21	)	)	PUNCT
fsr-3378	913	22	associates	associate	NOUN
fsr-3378	913	23	degree	degree	NOUN
fsr-3378	913	24	(	(	PUNCT
fsr-3378	913	25	e	e	NOUN
fsr-3378	913	26	)	)	PUNCT
fsr-3378	913	27	bachelor	bachelor	NOUN
fsr-3378	913	28	’s	’s	PART
fsr-3378	913	29	degree	degree	NOUN
fsr-3378	913	30	(	(	PUNCT
fsr-3378	913	31	f	f	X
fsr-3378	913	32	)	)	PUNCT
fsr-3378	913	33	graduate	graduate	NOUN
fsr-3378	913	34	degree	degree	NOUN
fsr-3378	913	35	8	8	NUM
fsr-3378	913	36	.	.	PUNCT
fsr-3378	913	37	rating	rate	VERB
fsr-3378	913	38	yourself	yourself	PRON
fsr-3378	913	39	on	on	ADP
fsr-3378	913	40	a	a	DET
fsr-3378	913	41	scale	scale	NOUN
fsr-3378	913	42	of	of	ADP
fsr-3378	913	43	1–5	1–5	NUM
fsr-3378	913	44	,	,	PUNCT
fsr-3378	913	45	with	with	ADP
fsr-3378	913	46	one	one	NUM
fsr-3378	913	47	being	be	AUX
fsr-3378	913	48	not	not	PART
fsr-3378	913	49	knowledgeable	knowledgeable	ADJ
fsr-3378	913	50	at	at	ADV
fsr-3378	913	51	all	all	ADV
fsr-3378	913	52	to	to	ADP
fsr-3378	913	53	5	5	NUM
fsr-3378	913	54	being	be	AUX
fsr-3378	913	55	very	very	ADV
fsr-3378	913	56	knowledgeable	knowledgeable	ADJ
fsr-3378	913	57	,	,	PUNCT
fsr-3378	913	58	how	how	SCONJ
fsr-3378	913	59	knowledgeable	knowledgeable	ADJ
fsr-3378	913	60	do	do	AUX
fsr-3378	913	61	you	you	PRON
fsr-3378	913	62	consider	consider	VERB
fsr-3378	913	63	yourself	yourself	PRON
fsr-3378	913	64	about	about	ADP
fsr-3378	913	65	credit	credit	NOUN
fsr-3378	913	66	related	relate	VERB
fsr-3378	913	67	matters	matter	NOUN
fsr-3378	913	68	?	?	PUNCT
fsr-3378	914	1	9	9	X
fsr-3378	914	2	.	.	X
fsr-3378	914	3	using	use	VERB
fsr-3378	914	4	the	the	DET
fsr-3378	914	5	same	same	ADJ
fsr-3378	914	6	rating	rating	NOUN
fsr-3378	914	7	scale	scale	NOUN
fsr-3378	914	8	of	of	ADP
fsr-3378	914	9	1–5	1–5	NUM
fsr-3378	914	10	with	with	ADP
fsr-3378	914	11	one	one	NUM
fsr-3378	914	12	being	be	AUX
fsr-3378	914	13	not	not	PART
fsr-3378	914	14	confident	confident	ADJ
fsr-3378	914	15	at	at	ADV
fsr-3378	914	16	all	all	ADV
fsr-3378	914	17	to	to	ADP
fsr-3378	914	18	5	5	NUM
fsr-3378	914	19	being	be	AUX
fsr-3378	914	20	very	very	ADV
fsr-3378	914	21	confident	confident	ADJ
fsr-3378	914	22	,	,	PUNCT
fsr-3378	914	23	how	how	SCONJ
fsr-3378	914	24	confident	confident	ADJ
fsr-3378	914	25	do	do	AUX
fsr-3378	914	26	you	you	PRON
fsr-3378	914	27	consider	consider	VERB
fsr-3378	914	28	yourself	yourself	PRON
fsr-3378	914	29	in	in	ADP
fsr-3378	914	30	your	your	PRON
fsr-3378	914	31	ability	ability	NOUN
fsr-3378	914	32	to	to	PART
fsr-3378	914	33	manage	manage	VERB
fsr-3378	914	34	your	your	PRON
fsr-3378	914	35	own	own	ADJ
fsr-3378	914	36	finances	finance	NOUN
fsr-3378	914	37	?	?	PUNCT
fsr-3378	915	1	10	10	NUM
fsr-3378	915	2	.	.	PUNCT
fsr-3378	916	1	“	"	PUNCT
fsr-3378	916	2	.	.	PUNCT
fsr-3378	917	1	.	.	PUNCT
fsr-3378	917	2	.	.	PUNCT
fsr-3378	918	1	the	the	DET
fsr-3378	918	2	ftc	ftc	PROPN
fsr-3378	918	3	is	be	AUX
fsr-3378	918	4	interested	interested	ADJ
fsr-3378	918	5	in	in	ADP
fsr-3378	918	6	the	the	DET
fsr-3378	918	7	most	most	ADV
fsr-3378	918	8	effective	effective	ADJ
fsr-3378	918	9	ways	way	NOUN
fsr-3378	918	10	to	to	PART
fsr-3378	918	11	educate	educate	VERB
fsr-3378	918	12	american	american	ADJ
fsr-3378	918	13	consumers	consumer	NOUN
fsr-3378	918	14	about	about	ADP
fsr-3378	918	15	credit	credit	NOUN
fsr-3378	918	16	matters	matter	NOUN
fsr-3378	918	17	and	and	CCONJ
fsr-3378	918	18	personal	personal	ADJ
fsr-3378	918	19	financial	financial	ADJ
fsr-3378	918	20	management	management	NOUN
fsr-3378	918	21	.	.	PUNCT
fsr-3378	918	22	.	.	PUNCT
fsr-3378	918	23	.	.	PUNCT
fsr-3378	918	24	”	"	PUNCT
fsr-3378	919	1	11	11	NUM
fsr-3378	919	2	.	.	PUNCT
fsr-3378	920	1	did	do	AUX
fsr-3378	920	2	you	you	PRON
fsr-3378	920	3	participate	participate	VERB
fsr-3378	920	4	in	in	ADP
fsr-3378	920	5	any	any	DET
fsr-3378	920	6	personal	personal	ADJ
fsr-3378	920	7	finance	finance	NOUN
fsr-3378	920	8	courses	course	NOUN
fsr-3378	920	9	in	in	ADP
fsr-3378	920	10	high	high	ADJ
fsr-3378	920	11	school	school	NOUN
fsr-3378	920	12	or	or	CCONJ
fsr-3378	920	13	(	(	PUNCT
fsr-3378	920	14	if	if	SCONJ
fsr-3378	920	15	applicable	applicable	ADJ
fsr-3378	920	16	)	)	PUNCT
fsr-3378	920	17	in	in	ADP
fsr-3378	920	18	college	college	NOUN
fsr-3378	920	19	?	?	PUNCT
fsr-3378	921	1	yes	yes	INTJ
fsr-3378	922	1	_	_	PUNCT
fsr-3378	922	2	_	_	PUNCT
fsr-3378	923	1	no	no	PUNCT
fsr-3378	924	1	_	_	PUNCT
fsr-3378	924	2	_	_	PUNCT
fsr-3378	925	1	12	12	NUM
fsr-3378	925	2	.	.	PUNCT
fsr-3378	926	1	“	"	PUNCT
fsr-3378	926	2	.	.	PUNCT
fsr-3378	926	3	.	.	PUNCT
fsr-3378	927	1	.	.	PUNCT
fsr-3378	928	1	some	some	DET
fsr-3378	928	2	states	state	NOUN
fsr-3378	928	3	have	have	AUX
fsr-3378	928	4	begun	begin	VERB
fsr-3378	928	5	to	to	PART
fsr-3378	928	6	offer	offer	VERB
fsr-3378	928	7	mandatory	mandatory	ADJ
fsr-3378	928	8	education	education	NOUN
fsr-3378	928	9	about	about	ADP
fsr-3378	928	10	personal	personal	ADJ
fsr-3378	928	11	finance	finance	NOUN
fsr-3378	928	12	and	and	CCONJ
fsr-3378	928	13	credit	credit	NOUN
fsr-3378	928	14	management	management	NOUN
fsr-3378	928	15	to	to	ADP
fsr-3378	928	16	high	high	ADJ
fsr-3378	928	17	-	-	PUNCT
fsr-3378	928	18	school	school	NOUN
fsr-3378	928	19	students	student	NOUN
fsr-3378	928	20	.	.	PUNCT
fsr-3378	928	21	”	"	PUNCT
fsr-3378	929	1	13	13	NUM
fsr-3378	929	2	.	.	PUNCT
fsr-3378	930	1	in	in	ADP
fsr-3378	930	2	which	which	PRON
fsr-3378	930	3	state	state	NOUN
fsr-3378	930	4	and	and	CCONJ
fsr-3378	930	5	city	city	NOUN
fsr-3378	930	6	did	do	AUX
fsr-3378	930	7	you	you	PRON
fsr-3378	930	8	attend	attend	VERB
fsr-3378	930	9	high	high	ADJ
fsr-3378	930	10	school	school	NOUN
fsr-3378	930	11	?	?	PUNCT
fsr-3378	931	1	_	_	PUNCT
fsr-3378	932	1	_	_	PUNCT
fsr-3378	933	1	_	_	PUNCT
fsr-3378	934	1	_	_	PUNCT
fsr-3378	935	1	_	_	PUNCT
fsr-3378	936	1	_	_	PUNCT
fsr-3378	937	1	_	_	PUNCT
fsr-3378	938	1	_	_	PUNCT
fsr-3378	939	1	_	_	PUNCT
fsr-3378	940	1	_	_	PUNCT
fsr-3378	941	1	_	_	PUNCT
fsr-3378	942	1	_	_	PUNCT
fsr-3378	943	1	_	_	PUNCT
fsr-3378	944	1	_	_	PUNCT
fsr-3378	945	1	_	_	PUNCT
fsr-3378	946	1	_	_	PUNCT
fsr-3378	947	1	_	_	PUNCT
fsr-3378	948	1	_	_	PUNCT
fsr-3378	949	1	_	_	PUNCT
fsr-3378	950	1	_	_	PUNCT
fsr-3378	951	1	_	_	PUNCT
fsr-3378	952	1	_	_	PUNCT
fsr-3378	953	1	14	14	NUM
fsr-3378	953	2	.	.	PUNCT
fsr-3378	954	1	are	be	AUX
fsr-3378	954	2	you	you	PRON
fsr-3378	954	3	currently	currently	ADV
fsr-3378	954	4	employed	employ	VERB
fsr-3378	954	5	?	?	PUNCT
fsr-3378	955	1	yes	yes	INTJ
fsr-3378	956	1	_	_	PUNCT
fsr-3378	956	2	_	_	PUNCT
fsr-3378	957	1	no	no	DET
fsr-3378	957	2	_	_	PUNCT
fsr-3378	957	3	_	_	PUNCT
fsr-3378	958	1	and	and	CCONJ
fsr-3378	958	2	,	,	PUNCT
fsr-3378	958	3	researchers	researcher	NOUN
fsr-3378	958	4	note	note	VERB
fsr-3378	958	5	the	the	DET
fsr-3378	958	6	employment	employment	NOUN
fsr-3378	958	7	research	research	NOUN
fsr-3378	958	8	category	category	NOUN
fsr-3378	958	9	:	:	PUNCT
fsr-3378	958	10	(	(	PUNCT
fsr-3378	958	11	a	a	X
fsr-3378	958	12	)	)	PUNCT
fsr-3378	958	13	employed	employ	VERB
fsr-3378	958	14	(	(	PUNCT
fsr-3378	958	15	b	b	NOUN
fsr-3378	958	16	)	)	PUNCT
fsr-3378	958	17	self	self	NOUN
fsr-3378	958	18	employed	employ	VERB
fsr-3378	958	19	(	(	PUNCT
fsr-3378	958	20	c	c	NOUN
fsr-3378	958	21	)	)	PUNCT
fsr-3378	958	22	homemaker	homemaker	NOUN
fsr-3378	958	23	,	,	PUNCT
fsr-3378	958	24	(	(	PUNCT
fsr-3378	958	25	d	d	X
fsr-3378	958	26	)	)	PUNCT
fsr-3378	958	27	retired	retire	VERB
fsr-3378	958	28	,	,	PUNCT
fsr-3378	958	29	(	(	PUNCT
fsr-3378	958	30	e	e	NOUN
fsr-3378	958	31	)	)	PUNCT
fsr-3378	958	32	unemployed	unemployed	ADJ
fsr-3378	958	33	,	,	PUNCT
fsr-3378	958	34	(	(	PUNCT
fsr-3378	958	35	f	f	X
fsr-3378	958	36	)	)	PUNCT
fsr-3378	958	37	disabled	disabled	ADJ
fsr-3378	958	38	,	,	PUNCT
fsr-3378	958	39	(	(	PUNCT
fsr-3378	958	40	g	g	NOUN
fsr-3378	958	41	)	)	PUNCT
fsr-3378	958	42	other	other	ADJ
fsr-3378	958	43	15	15	NUM
fsr-3378	958	44	.	.	PUNCT
fsr-3378	959	1	full	full	ADJ
fsr-3378	959	2	time	time	NOUN
fsr-3378	959	3	or	or	CCONJ
fsr-3378	959	4	part	part	NOUN
fsr-3378	959	5	time	time	NOUN
fsr-3378	959	6	16	16	NUM
fsr-3378	959	7	.	.	PUNCT
fsr-3378	960	1	(	(	PUNCT
fsr-3378	960	2	if	if	SCONJ
fsr-3378	960	3	employed	employ	VERB
fsr-3378	960	4	)	)	PUNCT
fsr-3378	960	5	how	how	SCONJ
fsr-3378	960	6	many	many	ADJ
fsr-3378	960	7	years	year	NOUN
fsr-3378	960	8	have	have	AUX
fsr-3378	960	9	you	you	PRON
fsr-3378	960	10	been	be	AUX
fsr-3378	960	11	with	with	ADP
fsr-3378	960	12	your	your	PRON
fsr-3378	960	13	current	current	ADJ
fsr-3378	960	14	employer	employer	NOUN
fsr-3378	960	15	?	?	PUNCT
fsr-3378	961	1	_	_	PUNCT
fsr-3378	962	1	_	_	PUNCT
fsr-3378	963	1	_	_	PUNCT
fsr-3378	964	1	17	17	NUM
fsr-3378	964	2	.	.	PUNCT
fsr-3378	965	1	(	(	PUNCT
fsr-3378	965	2	if	if	SCONJ
fsr-3378	965	3	employed	employ	VERB
fsr-3378	965	4	)	)	PUNCT
fsr-3378	965	5	what	what	PRON
fsr-3378	965	6	is	be	AUX
fsr-3378	965	7	your	your	PRON
fsr-3378	965	8	occupation	occupation	NOUN
fsr-3378	965	9	?	?	PUNCT
fsr-3378	966	1	_	_	PUNCT
fsr-3378	967	1	_	_	PUNCT
fsr-3378	968	1	_	_	PUNCT
fsr-3378	969	1	_	_	PUNCT
fsr-3378	970	1	_	_	PUNCT
fsr-3378	971	1	_	_	PUNCT
fsr-3378	972	1	_	_	PUNCT
fsr-3378	973	1	_	_	PUNCT
fsr-3378	974	1	_	_	PUNCT
fsr-3378	975	1	_	_	PUNCT
fsr-3378	976	1	_	_	PUNCT
fsr-3378	977	1	_	_	PUNCT
fsr-3378	978	1	_	_	PUNCT
fsr-3378	979	1	_	_	PUNCT
fsr-3378	980	1	_	_	PUNCT
fsr-3378	981	1	_	_	PUNCT
fsr-3378	982	1	_	_	PUNCT
fsr-3378	983	1	_	_	PUNCT
fsr-3378	984	1	_	_	PUNCT
fsr-3378	985	1	_	_	PUNCT
fsr-3378	986	1	_	_	PUNCT
fsr-3378	987	1	_	_	PUNCT
fsr-3378	988	1	_	_	PUNCT
fsr-3378	989	1	_	_	PUNCT
fsr-3378	990	1	_	_	PUNCT
fsr-3378	991	1	_	_	PUNCT
fsr-3378	992	1	_	_	PUNCT
fsr-3378	993	1	and	and	CCONJ
fsr-3378	993	2	,	,	PUNCT
fsr-3378	993	3	researchers	researcher	NOUN
fsr-3378	993	4	note	note	VERB
fsr-3378	993	5	occupational	occupational	ADJ
fsr-3378	993	6	research	research	NOUN
fsr-3378	993	7	categories	category	NOUN
fsr-3378	993	8	(	(	PUNCT
fsr-3378	993	9	a	a	X
fsr-3378	993	10	)	)	PUNCT
fsr-3378	993	11	professional	professional	ADJ
fsr-3378	993	12	(	(	PUNCT
fsr-3378	993	13	b	b	NOUN
fsr-3378	993	14	)	)	PUNCT
fsr-3378	993	15	admin	admin	ADJ
fsr-3378	993	16	/	/	SYM
fsr-3378	993	17	mgr	mgr	NOUN
fsr-3378	993	18	(	(	PUNCT
fsr-3378	993	19	c	c	NOUN
fsr-3378	993	20	)	)	PUNCT
fsr-3378	993	21	trade	trade	NOUN
fsr-3378	993	22	and/or	and/or	CCONJ
fsr-3378	993	23	technical	technical	ADJ
fsr-3378	993	24	staff	staff	NOUN
fsr-3378	993	25	(	(	PUNCT
fsr-3378	993	26	d	d	NOUN
fsr-3378	993	27	)	)	PUNCT
fsr-3378	993	28	sales	sale	NOUN
fsr-3378	993	29	(	(	PUNCT
fsr-3378	993	30	e	e	NOUN
fsr-3378	993	31	)	)	PUNCT
fsr-3378	993	32	clerical	clerical	ADJ
fsr-3378	993	33	(	(	PUNCT
fsr-3378	993	34	d	d	NOUN
fsr-3378	993	35	)	)	PUNCT
fsr-3378	993	36	retired	retire	VERB
fsr-3378	993	37	(	(	PUNCT
fsr-3378	993	38	e	e	NOUN
fsr-3378	993	39	)	)	PUNCT
fsr-3378	993	40	disabled	disabled	ADJ
fsr-3378	993	41	(	(	PUNCT
fsr-3378	993	42	continued	continue	VERB
fsr-3378	993	43	on	on	ADP
fsr-3378	993	44	next	next	ADJ
fsr-3378	993	45	page	page	NOUN
fsr-3378	993	46	)	)	PUNCT
fsr-3378	993	47	26	26	NUM
fsr-3378	993	48	l.d	l.d	PROPN
fsr-3378	993	49	.	.	PROPN
fsr-3378	993	50	smith	smith	PROPN
fsr-3378	993	51	et	et	PROPN
fsr-3378	993	52	al	al	PROPN
fsr-3378	993	53	.	.	PUNCT
fsr-3378	993	54	/	/	SYM
fsr-3378	993	55	financial	financial	ADJ
fsr-3378	993	56	services	service	NOUN
fsr-3378	993	57	review	review	VERB
fsr-3378	993	58	27	27	NUM
fsr-3378	993	59	(	(	PUNCT
fsr-3378	993	60	2018	2018	NUM
fsr-3378	993	61	)	)	PUNCT
fsr-3378	993	62	1	1	NUM
fsr-3378	993	63	-	-	SYM
fsr-3378	993	64	28	28	NUM
fsr-3378	993	65	references	reference	NOUN
fsr-3378	993	66	archuleta	archuleta	PROPN
fsr-3378	993	67	,	,	PUNCT
fsr-3378	993	68	k.	k.	PROPN
fsr-3378	993	69	l.	l.	PROPN
fsr-3378	993	70	,	,	PUNCT
fsr-3378	993	71	dale	dale	PROPN
fsr-3378	993	72	,	,	PUNCT
fsr-3378	993	73	a.	a.	NOUN
fsr-3378	993	74	,	,	PUNCT
fsr-3378	993	75	&	&	CCONJ
fsr-3378	993	76	spann	spann	PROPN
fsr-3378	993	77	,	,	PUNCT
fsr-3378	993	78	s.	s.	PROPN
fsr-3378	993	79	m.	m.	PROPN
fsr-3378	993	80	(	(	PUNCT
fsr-3378	993	81	2013	2013	NUM
fsr-3378	993	82	)	)	PUNCT
fsr-3378	993	83	.	.	PUNCT
fsr-3378	994	1	college	college	NOUN
fsr-3378	994	2	students	student	NOUN
fsr-3378	994	3	and	and	CCONJ
fsr-3378	994	4	financial	financial	ADJ
fsr-3378	994	5	distress	distress	NOUN
fsr-3378	994	6	:	:	PUNCT
fsr-3378	994	7	exploring	explore	VERB
fsr-3378	994	8	debt	debt	NOUN
fsr-3378	994	9	,	,	PUNCT
fsr-3378	994	10	financial	financial	ADJ
fsr-3378	994	11	satisfaction	satisfaction	NOUN
fsr-3378	994	12	,	,	PUNCT
fsr-3378	994	13	and	and	CCONJ
fsr-3378	994	14	financial	financial	ADJ
fsr-3378	994	15	anxiety	anxiety	NOUN
fsr-3378	994	16	.	.	PUNCT
fsr-3378	995	1	journal	journal	NOUN
fsr-3378	995	2	of	of	ADP
fsr-3378	995	3	financial	financial	ADJ
fsr-3378	995	4	counseling	counseling	NOUN
fsr-3378	995	5	and	and	CCONJ
fsr-3378	995	6	planning	planning	NOUN
fsr-3378	995	7	,	,	PUNCT
fsr-3378	995	8	24	24	NUM
fsr-3378	995	9	,	,	PUNCT
fsr-3378	995	10	50–62	50–62	NUM
fsr-3378	995	11	.	.	PUNCT
fsr-3378	995	12	avery	avery	PROPN
fsr-3378	995	13	,	,	PUNCT
fsr-3378	995	14	r.	r.	PROPN
fsr-3378	995	15	b.	b.	PROPN
fsr-3378	995	16	,	,	PUNCT
fsr-3378	995	17	calem	calem	PROPN
fsr-3378	995	18	,	,	PUNCT
fsr-3378	995	19	p.	p.	PROPN
fsr-3378	995	20	s.	s.	PROPN
fsr-3378	995	21	,	,	PUNCT
fsr-3378	995	22	canner	canner	NOUN
fsr-3378	995	23	,	,	PUNCT
fsr-3378	995	24	g.	g.	PROPN
fsr-3378	995	25	b.	b.	PROPN
fsr-3378	995	26	,	,	PUNCT
fsr-3378	995	27	&	&	CCONJ
fsr-3378	995	28	bostic	bostic	PROPN
fsr-3378	995	29	,	,	PUNCT
fsr-3378	995	30	r.	r.	PROPN
fsr-3378	995	31	w.	w.	PROPN
fsr-3378	995	32	(	(	PUNCT
fsr-3378	995	33	2003	2003	NUM
fsr-3378	995	34	)	)	PUNCT
fsr-3378	995	35	.	.	PUNCT
fsr-3378	996	1	an	an	DET
fsr-3378	996	2	overview	overview	NOUN
fsr-3378	996	3	of	of	ADP
fsr-3378	996	4	consumer	consumer	NOUN
fsr-3378	996	5	data	datum	NOUN
fsr-3378	996	6	and	and	CCONJ
fsr-3378	996	7	credit	credit	NOUN
fsr-3378	996	8	reporting	reporting	NOUN
fsr-3378	996	9	.	.	PUNCT
fsr-3378	997	1	federal	federal	PROPN
fsr-3378	997	2	reserve	reserve	PROPN
fsr-3378	997	3	bulletin	bulletin	PROPN
fsr-3378	997	4	,	,	PUNCT
fsr-3378	997	5	89	89	NUM
fsr-3378	997	6	,	,	PUNCT
fsr-3378	997	7	47–73	47–73	NUM
fsr-3378	997	8	.	.	PUNCT
fsr-3378	998	1	avery	avery	PROPN
fsr-3378	998	2	,	,	PUNCT
fsr-3378	998	3	r.	r.	PROPN
fsr-3378	998	4	b.	b.	PROPN
fsr-3378	998	5	,	,	PUNCT
fsr-3378	998	6	breevoort	breevoort	PROPN
fsr-3378	998	7	,	,	PUNCT
fsr-3378	998	8	k.	k.	PROPN
fsr-3378	998	9	p.	p.	PROPN
fsr-3378	998	10	,	,	PUNCT
fsr-3378	998	11	&	&	CCONJ
fsr-3378	998	12	canner	canner	NOUN
fsr-3378	998	13	,	,	PUNCT
fsr-3378	998	14	g.	g.	PROPN
fsr-3378	998	15	(	(	PUNCT
fsr-3378	998	16	2012	2012	NUM
fsr-3378	998	17	)	)	PUNCT
fsr-3378	998	18	.	.	PUNCT
fsr-3378	999	1	does	do	AUX
fsr-3378	999	2	credit	credit	NOUN
fsr-3378	999	3	scoring	scoring	NOUN
fsr-3378	999	4	produce	produce	VERB
fsr-3378	999	5	a	a	DET
fsr-3378	999	6	disparate	disparate	ADJ
fsr-3378	999	7	impact	impact	NOUN
fsr-3378	999	8	?	?	PUNCT
fsr-3378	1000	1	real	real	ADJ
fsr-3378	1000	2	estate	estate	NOUN
fsr-3378	1000	3	economics	economic	NOUN
fsr-3378	1000	4	,	,	PUNCT
fsr-3378	1000	5	40	40	NUM
fsr-3378	1000	6	,	,	PUNCT
fsr-3378	1000	7	s65	s65	PROPN
fsr-3378	1000	8	–	–	PUNCT
fsr-3378	1000	9	s114	s114	PROPN
fsr-3378	1000	10	.	.	PUNCT
fsr-3378	1001	1	bell	bell	PROPN
fsr-3378	1001	2	,	,	PUNCT
fsr-3378	1001	3	m.	m.	NOUN
fsr-3378	1001	4	m.	m.	NOUN
fsr-3378	1001	5	,	,	PUNCT
fsr-3378	1001	6	nelson	nelson	PROPN
fsr-3378	1001	7	,	,	PUNCT
fsr-3378	1001	8	j.	j.	PROPN
fsr-3378	1001	9	s.	s.	PROPN
fsr-3378	1001	10	,	,	PUNCT
fsr-3378	1001	11	spann	spann	PROPN
fsr-3378	1001	12	,	,	PUNCT
fsr-3378	1001	13	s.	s.	PROPN
fsr-3378	1001	14	m.	m.	PROPN
fsr-3378	1001	15	,	,	PUNCT
fsr-3378	1001	16	malloy	malloy	PROPN
fsr-3378	1001	17	,	,	PUNCT
fsr-3378	1001	18	c.	c.	PROPN
fsr-3378	1001	19	j.	j.	PROPN
fsr-3378	1001	20	,	,	PUNCT
fsr-3378	1001	21	britt	britt	PROPN
fsr-3378	1001	22	,	,	PUNCT
fsr-3378	1001	23	s.	s.	PROPN
fsr-3378	1001	24	l.	l.	PROPN
fsr-3378	1001	25	,	,	PUNCT
fsr-3378	1001	26	nelson	nelson	PROPN
fsr-3378	1001	27	,	,	PUNCT
fsr-3378	1001	28	g.	g.	PROPN
fsr-3378	1001	29	,	,	PUNCT
fsr-3378	1001	30	&	&	CCONJ
fsr-3378	1001	31	briana	briana	PROPN
fsr-3378	1001	32	,	,	PUNCT
fsr-3378	1001	33	s.	s.	PROPN
fsr-3378	1001	34	(	(	PUNCT
fsr-3378	1001	35	2014	2014	NUM
fsr-3378	1001	36	)	)	PUNCT
fsr-3378	1001	37	.	.	PUNCT
fsr-3378	1002	1	the	the	DET
fsr-3378	1002	2	impact	impact	NOUN
fsr-3378	1002	3	of	of	ADP
fsr-3378	1002	4	financial	financial	ADJ
fsr-3378	1002	5	resources	resource	NOUN
fsr-3378	1002	6	on	on	ADP
fsr-3378	1002	7	soldiers	soldier	NOUN
fsr-3378	1002	8	’	'	PUNCT
fsr-3378	1002	9	well	well	ADV
fsr-3378	1002	10	-	-	PUNCT
fsr-3378	1002	11	being	being	NOUN
fsr-3378	1002	12	.	.	PUNCT
fsr-3378	1003	1	journal	journal	NOUN
fsr-3378	1003	2	of	of	ADP
fsr-3378	1003	3	financial	financial	ADJ
fsr-3378	1003	4	counseling	counseling	NOUN
fsr-3378	1003	5	and	and	CCONJ
fsr-3378	1003	6	planning	planning	NOUN
fsr-3378	1003	7	,	,	PUNCT
fsr-3378	1003	8	25	25	NUM
fsr-3378	1003	9	,	,	PUNCT
fsr-3378	1003	10	41–52	41–52	NUM
fsr-3378	1003	11	.	.	PUNCT
fsr-3378	1003	12	bricker	bricker	NOUN
fsr-3378	1003	13	,	,	PUNCT
fsr-3378	1003	14	j.	j.	PROPN
fsr-3378	1003	15	,	,	PUNCT
fsr-3378	1003	16	dettling	dettling	NOUN
fsr-3378	1003	17	,	,	PUNCT
fsr-3378	1003	18	l.	l.	PROPN
fsr-3378	1003	19	j.	j.	PROPN
fsr-3378	1003	20	,	,	PUNCT
fsr-3378	1003	21	henriques	henrique	NOUN
fsr-3378	1003	22	,	,	PUNCT
fsr-3378	1003	23	a.	a.	NOUN
fsr-3378	1003	24	,	,	PUNCT
fsr-3378	1003	25	hsu	hsu	PROPN
fsr-3378	1003	26	,	,	PUNCT
fsr-3378	1003	27	j.	j.	PROPN
fsr-3378	1003	28	w.	w.	PROPN
fsr-3378	1003	29	,	,	PUNCT
fsr-3378	1003	30	moore	moore	PROPN
fsr-3378	1003	31	,	,	PUNCT
fsr-3378	1003	32	k.	k.	PROPN
fsr-3378	1003	33	b.	b.	PROPN
fsr-3378	1003	34	,	,	PUNCT
fsr-3378	1003	35	sabelhaus	sabelhaus	PROPN
fsr-3378	1003	36	,	,	PUNCT
fsr-3378	1003	37	j.	j.	PROPN
fsr-3378	1003	38	,	,	PUNCT
fsr-3378	1003	39	thompson	thompson	PROPN
fsr-3378	1003	40	,	,	PUNCT
fsr-3378	1003	41	j.	j.	PROPN
fsr-3378	1003	42	,	,	PUNCT
fsr-3378	1003	43	windle	windle	PROPN
fsr-3378	1003	44	,	,	PUNCT
fsr-3378	1003	45	r.	r.	PROPN
fsr-3378	1003	46	a.	a.	PROPN
fsr-3378	1003	47	,	,	PUNCT
fsr-3378	1003	48	devlin	devlin	NOUN
fsr-3378	1003	49	-	-	PUNCT
fsr-3378	1003	50	foltz	foltz	PROPN
fsr-3378	1003	51	,	,	PUNCT
fsr-3378	1003	52	s.	s.	PROPN
fsr-3378	1003	53	,	,	PUNCT
fsr-3378	1003	54	&	&	CCONJ
fsr-3378	1003	55	krimmel	krimmel	PROPN
fsr-3378	1003	56	,	,	PUNCT
fsr-3378	1003	57	j.	j.	PROPN
fsr-3378	1003	58	(	(	PUNCT
fsr-3378	1003	59	2014	2014	NUM
fsr-3378	1003	60	)	)	PUNCT
fsr-3378	1003	61	.	.	PUNCT
fsr-3378	1004	1	changes	change	NOUN
fsr-3378	1004	2	in	in	ADP
fsr-3378	1004	3	u.s	u.s	PROPN
fsr-3378	1004	4	.	.	PROPN
fsr-3378	1004	5	family	family	NOUN
fsr-3378	1004	6	finances	finance	NOUN
fsr-3378	1004	7	from	from	ADP
fsr-3378	1004	8	2010	2010	NUM
fsr-3378	1004	9	to	to	ADP
fsr-3378	1004	10	2013	2013	NUM
fsr-3378	1004	11	:	:	PUNCT
fsr-3378	1004	12	evidence	evidence	NOUN
fsr-3378	1004	13	from	from	ADP
fsr-3378	1004	14	the	the	DET
fsr-3378	1004	15	survey	survey	NOUN
fsr-3378	1004	16	of	of	ADP
fsr-3378	1004	17	consumer	consumer	NOUN
fsr-3378	1004	18	finances	finance	NOUN
fsr-3378	1004	19	.	.	PUNCT
fsr-3378	1005	1	federal	federal	PROPN
fsr-3378	1005	2	reserve	reserve	PROPN
fsr-3378	1005	3	bulletin	bulletin	PROPN
fsr-3378	1005	4	,	,	PUNCT
fsr-3378	1005	5	100	100	NUM
fsr-3378	1005	6	,	,	PUNCT
fsr-3378	1005	7	1–41	1–41	NOUN
fsr-3378	1005	8	.	.	PUNCT
fsr-3378	1006	1	elliehausen	elliehausen	PROPN
fsr-3378	1006	2	,	,	PUNCT
fsr-3378	1006	3	g.	g.	PROPN
fsr-3378	1006	4	,	,	PUNCT
fsr-3378	1006	5	&	&	CCONJ
fsr-3378	1006	6	lowrey	lowrey	PROPN
fsr-3378	1006	7	,	,	PUNCT
fsr-3378	1006	8	b.	b.	PROPN
fsr-3378	1006	9	r.	r.	PROPN
fsr-3378	1006	10	(	(	PUNCT
fsr-3378	1006	11	2000	2000	NUM
fsr-3378	1006	12	)	)	PUNCT
fsr-3378	1006	13	.	.	PUNCT
fsr-3378	1007	1	the	the	DET
fsr-3378	1007	2	costs	cost	NOUN
fsr-3378	1007	3	of	of	ADP
fsr-3378	1007	4	implementing	implement	VERB
fsr-3378	1007	5	regulatory	regulatory	ADJ
fsr-3378	1007	6	changes	change	NOUN
fsr-3378	1007	7	:	:	PUNCT
fsr-3378	1007	8	the	the	DET
fsr-3378	1007	9	truth	truth	NOUN
fsr-3378	1007	10	in	in	ADP
fsr-3378	1007	11	savings	saving	NOUN
fsr-3378	1007	12	act	act	PROPN
fsr-3378	1007	13	.	.	PUNCT
fsr-3378	1008	1	journal	journal	NOUN
fsr-3378	1008	2	of	of	ADP
fsr-3378	1008	3	financial	financial	ADJ
fsr-3378	1008	4	services	service	NOUN
fsr-3378	1008	5	research	research	NOUN
fsr-3378	1008	6	,	,	PUNCT
fsr-3378	1008	7	17	17	NUM
fsr-3378	1008	8	,	,	PUNCT
fsr-3378	1008	9	165–179	165–179	NUM
fsr-3378	1008	10	.	.	PUNCT
fsr-3378	1009	1	engelberg	engelberg	PROPN
fsr-3378	1009	2	,	,	PUNCT
fsr-3378	1009	3	e.	e.	PROPN
fsr-3378	1009	4	,	,	PUNCT
fsr-3378	1009	5	&	&	CCONJ
fsr-3378	1009	6	sjoberg	sjoberg	PROPN
fsr-3378	1009	7	,	,	PUNCT
fsr-3378	1009	8	l.	l.	PROPN
fsr-3378	1009	9	(	(	PUNCT
fsr-3378	1009	10	2007	2007	NUM
fsr-3378	1009	11	)	)	PUNCT
fsr-3378	1009	12	.	.	PUNCT
fsr-3378	1010	1	money	money	NOUN
fsr-3378	1010	2	obsession	obsession	NOUN
fsr-3378	1010	3	,	,	PUNCT
fsr-3378	1010	4	social	social	ADJ
fsr-3378	1010	5	adjustment	adjustment	NOUN
fsr-3378	1010	6	,	,	PUNCT
fsr-3378	1010	7	and	and	CCONJ
fsr-3378	1010	8	economic	economic	ADJ
fsr-3378	1010	9	risk	risk	NOUN
fsr-3378	1010	10	perception	perception	NOUN
fsr-3378	1010	11	.	.	PUNCT
fsr-3378	1011	1	the	the	DET
fsr-3378	1011	2	journal	journal	PROPN
fsr-3378	1011	3	of	of	ADP
fsr-3378	1011	4	socio	socio	NOUN
fsr-3378	1011	5	-	-	PUNCT
fsr-3378	1011	6	economics	economic	NOUN
fsr-3378	1011	7	,	,	PUNCT
fsr-3378	1011	8	36	36	NUM
fsr-3378	1011	9	,	,	PUNCT
fsr-3378	1011	10	686–697	686–697	NUM
fsr-3378	1011	11	.	.	PUNCT
fsr-3378	1011	12	fair	fair	ADJ
fsr-3378	1011	13	and	and	CCONJ
fsr-3378	1011	14	accurate	accurate	ADJ
fsr-3378	1011	15	credit	credit	NOUN
fsr-3378	1011	16	transactions	transaction	NOUN
fsr-3378	1011	17	act	act	NOUN
fsr-3378	1011	18	of	of	ADP
fsr-3378	1011	19	2003	2003	NUM
fsr-3378	1011	20	(	(	PUNCT
fsr-3378	1011	21	fact	fact	NOUN
fsr-3378	1011	22	act	act	NOUN
fsr-3378	1011	23	or	or	CCONJ
fsr-3378	1011	24	facta	facta	NOUN
fsr-3378	1011	25	)	)	PUNCT
fsr-3378	1011	26	.	.	PUNCT
fsr-3378	1012	1	(	(	PUNCT
fsr-3378	1012	2	2003	2003	NUM
fsr-3378	1012	3	)	)	PUNCT
fsr-3378	1012	4	.	.	PUNCT
fsr-3378	1013	1	public	public	ADJ
fsr-3378	1013	2	law	law	NOUN
fsr-3378	1013	3	108–159	108–159	NUM
fsr-3378	1013	4	-	-	PUNCT
fsr-3378	1013	5	dec	dec	PROPN
fsr-3378	1013	6	4	4	NUM
fsr-3378	1013	7	,	,	PUNCT
fsr-3378	1013	8	2003	2003	NUM
fsr-3378	1013	9	.	.	PUNCT
fsr-3378	1014	1	(	(	PUNCT
fsr-3378	1014	2	available	available	ADJ
fsr-3378	1014	3	at	at	ADP
fsr-3378	1014	4	http://www.gpo.gov/fdsys/pkg/plaw-108publ159/pdf	http://www.gpo.gov/fdsys/pkg/plaw-108publ159/pdf	NOUN
fsr-3378	1014	5	)	)	PUNCT
fsr-3378	1014	6	.	.	PUNCT
fsr-3378	1015	1	fair	fair	ADJ
fsr-3378	1015	2	credit	credit	NOUN
fsr-3378	1015	3	reporting	reporting	NOUN
fsr-3378	1015	4	act	act	NOUN
fsr-3378	1015	5	(	(	PUNCT
fsr-3378	1015	6	fcra	fcra	NOUN
fsr-3378	1015	7	)	)	PUNCT
fsr-3378	1015	8	.	.	PUNCT
fsr-3378	1016	1	(	(	PUNCT
fsr-3378	1016	2	1970	1970	NUM
fsr-3378	1016	3	)	)	PUNCT
fsr-3378	1016	4	.	.	PUNCT
fsr-3378	1017	1	15	15	NUM
fsr-3378	1017	2	u.s.c	u.s.c	NOUN
fsr-3378	1017	3	.	.	PUNCT
fsr-3378	1018	1	§	§	PROPN
fsr-3378	1018	2	1681	1681	NUM
fsr-3378	1018	3	et	et	PROPN
fsr-3378	1018	4	seq	seq	PROPN
fsr-3378	1018	5	.	.	PUNCT
fsr-3378	1019	1	(	(	PUNCT
fsr-3378	1019	2	available	available	ADJ
fsr-3378	1019	3	at	at	ADP
fsr-3378	1019	4	http://www.ftc.gov/os/statutes/	http://www.ftc.gov/os/statutes/	NOUN
fsr-3378	1019	5	031224fcra.pdf	031224fcra.pdf	NOUN
fsr-3378	1019	6	)	)	PUNCT
fsr-3378	1019	7	.	.	PUNCT
fsr-3378	1020	1	appendix	appendix	PROPN
fsr-3378	1020	2	b	b	NOUN
fsr-3378	1020	3	:	:	PUNCT
fsr-3378	1020	4	(	(	PUNCT
fsr-3378	1020	5	continued	continued	ADJ
fsr-3378	1020	6	)	)	PUNCT
fsr-3378	1020	7	18	18	NUM
fsr-3378	1020	8	.	.	PUNCT
fsr-3378	1021	1	how	how	SCONJ
fsr-3378	1021	2	many	many	ADJ
fsr-3378	1021	3	people	people	NOUN
fsr-3378	1021	4	are	be	AUX
fsr-3378	1021	5	in	in	ADP
fsr-3378	1021	6	your	your	PRON
fsr-3378	1021	7	household	household	NOUN
fsr-3378	1021	8	?	?	PUNCT
fsr-3378	1022	1	_	_	PUNCT
fsr-3378	1023	1	_	_	PUNCT
fsr-3378	1024	1	_	_	PUNCT
fsr-3378	1025	1	_	_	PUNCT
fsr-3378	1026	1	_	_	PUNCT
fsr-3378	1027	1	_	_	PUNCT
fsr-3378	1028	1	_	_	PUNCT
fsr-3378	1029	1	_	_	PUNCT
fsr-3378	1030	1	_	_	PUNCT
fsr-3378	1031	1	_	_	PUNCT
fsr-3378	1032	1	_	_	PUNCT
fsr-3378	1033	1	_	_	PUNCT
fsr-3378	1034	1	_	_	PUNCT
fsr-3378	1035	1	_	_	PUNCT
fsr-3378	1036	1	_	_	PUNCT
fsr-3378	1037	1	_	_	PUNCT
fsr-3378	1038	1	19	19	NUM
fsr-3378	1038	2	.	.	PUNCT
fsr-3378	1038	3	are	be	AUX
fsr-3378	1038	4	there	there	PRON
fsr-3378	1038	5	any	any	DET
fsr-3378	1038	6	children	child	NOUN
fsr-3378	1038	7	under	under	ADP
fsr-3378	1038	8	the	the	DET
fsr-3378	1038	9	age	age	NOUN
fsr-3378	1038	10	of	of	ADP
fsr-3378	1038	11	18	18	NUM
fsr-3378	1038	12	living	live	VERB
fsr-3378	1038	13	in	in	ADP
fsr-3378	1038	14	the	the	DET
fsr-3378	1038	15	household	household	NOUN
fsr-3378	1038	16	?	?	PUNCT
fsr-3378	1039	1	yes	yes	INTJ
fsr-3378	1040	1	_	_	PUNCT
fsr-3378	1040	2	_	_	PUNCT
fsr-3378	1041	1	no	no	PRON
fsr-3378	1042	1	_	_	PUNCT
fsr-3378	1043	1	_	_	PUNCT
fsr-3378	1044	1	if	if	SCONJ
fsr-3378	1044	2	yes	yes	INTJ
fsr-3378	1044	3	,	,	PUNCT
fsr-3378	1044	4	how	how	SCONJ
fsr-3378	1044	5	many	many	ADJ
fsr-3378	1044	6	?	?	PUNCT
fsr-3378	1045	1	_	_	PUNCT
fsr-3378	1046	1	_	_	PUNCT
fsr-3378	1047	1	_	_	PUNCT
fsr-3378	1048	1	_	_	PUNCT
fsr-3378	1049	1	_	_	PUNCT
fsr-3378	1050	1	_	_	PUNCT
fsr-3378	1051	1	_	_	PUNCT
fsr-3378	1052	1	_	_	PUNCT
fsr-3378	1053	1	_	_	PUNCT
fsr-3378	1054	1	_	_	PUNCT
fsr-3378	1055	1	_	_	PUNCT
fsr-3378	1056	1	_	_	PUNCT
fsr-3378	1057	1	_	_	PUNCT
fsr-3378	1058	1	_	_	PUNCT
fsr-3378	1059	1	_	_	PUNCT
fsr-3378	1060	1	_	_	PUNCT
fsr-3378	1061	1	_	_	PUNCT
fsr-3378	1062	1	_	_	PUNCT
fsr-3378	1063	1	20	20	NUM
fsr-3378	1063	2	.	.	PUNCT
fsr-3378	1064	1	in	in	ADP
fsr-3378	1064	2	which	which	PRON
fsr-3378	1064	3	general	general	ADJ
fsr-3378	1064	4	category	category	NOUN
fsr-3378	1064	5	does	do	VERB
fsr-3378	1064	6	your	your	PRON
fsr-3378	1064	7	total	total	ADJ
fsr-3378	1064	8	household	household	NOUN
fsr-3378	1064	9	income	income	NOUN
fsr-3378	1064	10	fall	fall	NOUN
fsr-3378	1064	11	?	?	PUNCT
fsr-3378	1065	1	(	(	PUNCT
fsr-3378	1065	2	a	a	X
fsr-3378	1065	3	)	)	PUNCT
fsr-3378	1065	4	under	under	ADP
fsr-3378	1065	5	$	$	SYM
fsr-3378	1065	6	25k	25k	NUM
fsr-3378	1065	7	(	(	PUNCT
fsr-3378	1065	8	b	b	X
fsr-3378	1065	9	)	)	PUNCT
fsr-3378	1065	10	25–49.9k	25–49.9k	NUM
fsr-3378	1066	1	(	(	PUNCT
fsr-3378	1066	2	c	c	X
fsr-3378	1066	3	)	)	PUNCT
fsr-3378	1066	4	50–74.9k	50–74.9k	NUM
fsr-3378	1066	5	(	(	PUNCT
fsr-3378	1066	6	d	d	X
fsr-3378	1066	7	)	)	PUNCT
fsr-3378	1066	8	75–99.9k	75–99.9k	NUM
fsr-3378	1066	9	(	(	PUNCT
fsr-3378	1066	10	e	e	NOUN
fsr-3378	1066	11	)	)	PUNCT
fsr-3378	1066	12	100–149k	100–149k	NUM
fsr-3378	1066	13	(	(	PUNCT
fsr-3378	1066	14	f	f	X
fsr-3378	1066	15	)	)	PUNCT
fsr-3378	1066	16	150–200k	150–200k	NUM
fsr-3378	1066	17	(	(	PUNCT
fsr-3378	1066	18	g	g	NOUN
fsr-3378	1066	19	)	)	PUNCT
fsr-3378	1066	20	�	�	NOUN
fsr-3378	1066	21	200k	200k	NOUN
fsr-3378	1066	22	(	(	PUNCT
fsr-3378	1066	23	h	h	NOUN
fsr-3378	1066	24	)	)	PUNCT
fsr-3378	1066	25	declined	decline	VERB
fsr-3378	1066	26	21	21	NUM
fsr-3378	1066	27	.	.	PUNCT
fsr-3378	1067	1	do	do	AUX
fsr-3378	1067	2	you	you	PRON
fsr-3378	1067	3	own	own	VERB
fsr-3378	1067	4	or	or	CCONJ
fsr-3378	1067	5	rent	rent	VERB
fsr-3378	1067	6	your	your	PRON
fsr-3378	1067	7	living	living	NOUN
fsr-3378	1067	8	quarters	quarter	NOUN
fsr-3378	1067	9	?	?	PUNCT
fsr-3378	1068	1	own	own	VERB
fsr-3378	1068	2	_	_	PUNCT
fsr-3378	1068	3	_	_	PUNCT
fsr-3378	1069	1	rent	rent	VERB
fsr-3378	1069	2	_	_	PUNCT
fsr-3378	1070	1	_	_	PUNCT
fsr-3378	1071	1	22	22	NUM
fsr-3378	1071	2	.	.	PUNCT
fsr-3378	1072	1	have	have	AUX
fsr-3378	1072	2	you	you	PRON
fsr-3378	1072	3	,	,	PUNCT
fsr-3378	1072	4	in	in	ADP
fsr-3378	1072	5	the	the	DET
fsr-3378	1072	6	past	past	ADJ
fsr-3378	1072	7	two	two	NUM
fsr-3378	1072	8	years	year	NOUN
fsr-3378	1072	9	,	,	PUNCT
fsr-3378	1072	10	experienced	experience	VERB
fsr-3378	1072	11	any	any	PRON
fsr-3378	1072	12	of	of	ADP
fsr-3378	1072	13	the	the	DET
fsr-3378	1072	14	following	follow	VERB
fsr-3378	1072	15	events	event	NOUN
fsr-3378	1072	16	that	that	PRON
fsr-3378	1072	17	may	may	AUX
fsr-3378	1072	18	affect	affect	VERB
fsr-3378	1072	19	your	your	PRON
fsr-3378	1072	20	current	current	ADJ
fsr-3378	1072	21	financial	financial	ADJ
fsr-3378	1072	22	situation	situation	NOUN
fsr-3378	1072	23	?	?	PUNCT
fsr-3378	1073	1	i	i	PRON
fsr-3378	1073	2	’ll	’ll	AUX
fsr-3378	1073	3	read	read	VERB
fsr-3378	1073	4	five	five	NUM
fsr-3378	1073	5	events	event	NOUN
fsr-3378	1073	6	:	:	PUNCT
fsr-3378	1073	7	a.	a.	NOUN
fsr-3378	1073	8	an	an	DET
fsr-3378	1073	9	extended	extended	ADJ
fsr-3378	1073	10	period	period	NOUN
fsr-3378	1073	11	of	of	ADP
fsr-3378	1073	12	unemployment	unemployment	NOUN
fsr-3378	1073	13	(	(	PUNCT
fsr-3378	1073	14	3	3	NUM
fsr-3378	1073	15	months	month	NOUN
fsr-3378	1073	16	or	or	CCONJ
fsr-3378	1073	17	longer	long	ADJ
fsr-3378	1073	18	)	)	PUNCT
fsr-3378	1073	19	when	when	SCONJ
fsr-3378	1073	20	you	you	PRON
fsr-3378	1073	21	could	could	AUX
fsr-3378	1073	22	n’t	not	PART
fsr-3378	1073	23	find	find	VERB
fsr-3378	1073	24	a	a	DET
fsr-3378	1073	25	job	job	NOUN
fsr-3378	1073	26	?	?	PUNCT
fsr-3378	1074	1	b.	b.	PROPN
fsr-3378	1075	1	a	a	DET
fsr-3378	1075	2	significant	significant	ADJ
fsr-3378	1075	3	reduction	reduction	NOUN
fsr-3378	1075	4	in	in	ADP
fsr-3378	1075	5	your	your	PRON
fsr-3378	1075	6	household	household	NOUN
fsr-3378	1075	7	income	income	NOUN
fsr-3378	1075	8	?	?	PUNCT
fsr-3378	1076	1	c.	c.	NOUN
fsr-3378	1076	2	birth	birth	NOUN
fsr-3378	1076	3	of	of	ADP
fsr-3378	1076	4	a	a	DET
fsr-3378	1076	5	family	family	NOUN
fsr-3378	1076	6	member	member	NOUN
fsr-3378	1076	7	for	for	ADP
fsr-3378	1076	8	which	which	PRON
fsr-3378	1076	9	you	you	PRON
fsr-3378	1076	10	have	have	VERB
fsr-3378	1076	11	financial	financial	ADJ
fsr-3378	1076	12	responsibility	responsibility	NOUN
fsr-3378	1076	13	?	?	PUNCT
fsr-3378	1077	1	d.	d.	PROPN
fsr-3378	1077	2	divorce	divorce	PROPN
fsr-3378	1077	3	,	,	PUNCT
fsr-3378	1077	4	separation	separation	NOUN
fsr-3378	1077	5	or	or	CCONJ
fsr-3378	1077	6	death	death	NOUN
fsr-3378	1077	7	of	of	ADP
fsr-3378	1077	8	a	a	DET
fsr-3378	1077	9	spouse	spouse	NOUN
fsr-3378	1077	10	?	?	PUNCT
fsr-3378	1078	1	e.	e.	PROPN
fsr-3378	1078	2	major	major	ADJ
fsr-3378	1078	3	medical	medical	ADJ
fsr-3378	1078	4	bill	bill	NOUN
fsr-3378	1078	5	that	that	PRON
fsr-3378	1078	6	was	be	AUX
fsr-3378	1078	7	not	not	PART
fsr-3378	1078	8	covered	cover	VERB
fsr-3378	1078	9	by	by	ADP
fsr-3378	1078	10	insurance	insurance	NOUN
fsr-3378	1078	11	?	?	PUNCT
fsr-3378	1079	1	23	23	NUM
fsr-3378	1079	2	.	.	PUNCT
fsr-3378	1080	1	without	without	ADP
fsr-3378	1080	2	taking	take	VERB
fsr-3378	1080	3	out	out	ADP
fsr-3378	1080	4	a	a	DET
fsr-3378	1080	5	loan	loan	NOUN
fsr-3378	1080	6	or	or	CCONJ
fsr-3378	1080	7	using	use	VERB
fsr-3378	1080	8	a	a	DET
fsr-3378	1080	9	credit	credit	NOUN
fsr-3378	1080	10	card	card	NOUN
fsr-3378	1080	11	,	,	PUNCT
fsr-3378	1080	12	do	do	AUX
fsr-3378	1080	13	you	you	PRON
fsr-3378	1080	14	have	have	VERB
fsr-3378	1080	15	savings	saving	NOUN
fsr-3378	1080	16	or	or	CCONJ
fsr-3378	1080	17	other	other	ADJ
fsr-3378	1080	18	financial	financial	ADJ
fsr-3378	1080	19	resources	resource	NOUN
fsr-3378	1080	20	to	to	PART
fsr-3378	1080	21	come	come	VERB
fsr-3378	1080	22	up	up	ADP
fsr-3378	1080	23	with	with	ADP
fsr-3378	1080	24	$	$	SYM
fsr-3378	1080	25	2,000	2,000	NUM
fsr-3378	1080	26	within	within	ADP
fsr-3378	1080	27	30	30	NUM
fsr-3378	1080	28	days	day	NOUN
fsr-3378	1080	29	if	if	SCONJ
fsr-3378	1080	30	you	you	PRON
fsr-3378	1080	31	needed	need	VERB
fsr-3378	1080	32	it	it	PRON
fsr-3378	1080	33	for	for	ADP
fsr-3378	1080	34	an	an	DET
fsr-3378	1080	35	emergency	emergency	NOUN
fsr-3378	1080	36	?	?	PUNCT
fsr-3378	1081	1	(	(	PUNCT
fsr-3378	1081	2	yes	yes	INTJ
fsr-3378	1081	3	/	/	SYM
fsr-3378	1081	4	no	no	NOUN
fsr-3378	1081	5	)	)	PUNCT
fsr-3378	1081	6	24	24	NUM
fsr-3378	1081	7	.	.	PUNCT
fsr-3378	1081	8	do	do	AUX
fsr-3378	1081	9	you	you	PRON
fsr-3378	1081	10	have	have	VERB
fsr-3378	1081	11	an	an	DET
fsr-3378	1081	12	employer	employer	NOUN
fsr-3378	1081	13	-	-	PUNCT
fsr-3378	1081	14	provided	provide	VERB
fsr-3378	1081	15	retirement	retirement	NOUN
fsr-3378	1081	16	plan	plan	NOUN
fsr-3378	1081	17	other	other	ADJ
fsr-3378	1081	18	than	than	ADP
fsr-3378	1081	19	social	social	ADJ
fsr-3378	1081	20	security	security	NOUN
fsr-3378	1081	21	?	?	PUNCT
fsr-3378	1082	1	(	(	PUNCT
fsr-3378	1082	2	yes	yes	INTJ
fsr-3378	1082	3	/	/	SYM
fsr-3378	1082	4	no	no	NOUN
fsr-3378	1082	5	)	)	PUNCT
fsr-3378	1082	6	if	if	SCONJ
fsr-3378	1082	7	yes	yes	ADV
fsr-3378	1082	8	,	,	PUNCT
fsr-3378	1082	9	is	be	AUX
fsr-3378	1082	10	it	it	PRON
fsr-3378	1082	11	:	:	PUNCT
fsr-3378	1082	12	(	(	PUNCT
fsr-3378	1082	13	a	a	X
fsr-3378	1082	14	)	)	PUNCT
fsr-3378	1082	15	a	a	DET
fsr-3378	1082	16	defined	define	VERB
fsr-3378	1082	17	benefit	benefit	NOUN
fsr-3378	1082	18	plan	plan	NOUN
fsr-3378	1082	19	where	where	SCONJ
fsr-3378	1082	20	the	the	DET
fsr-3378	1082	21	employer	employer	NOUN
fsr-3378	1082	22	pays	pay	VERB
fsr-3378	1082	23	a	a	DET
fsr-3378	1082	24	predetermined	predetermine	VERB
fsr-3378	1082	25	amount	amount	NOUN
fsr-3378	1082	26	for	for	ADP
fsr-3378	1082	27	life	life	NOUN
fsr-3378	1082	28	beginning	begin	VERB
fsr-3378	1082	29	at	at	ADP
fsr-3378	1082	30	retirement	retirement	NOUN
fsr-3378	1082	31	(	(	PUNCT
fsr-3378	1082	32	usually	usually	ADV
fsr-3378	1082	33	based	base	VERB
fsr-3378	1082	34	on	on	ADP
fsr-3378	1082	35	years	year	NOUN
fsr-3378	1082	36	of	of	ADP
fsr-3378	1082	37	service	service	NOUN
fsr-3378	1082	38	and	and	CCONJ
fsr-3378	1082	39	salary	salary	NOUN
fsr-3378	1082	40	(	(	PUNCT
fsr-3378	1082	41	b	b	NOUN
fsr-3378	1082	42	)	)	PUNCT
fsr-3378	1082	43	a	a	DET
fsr-3378	1082	44	defined	define	VERB
fsr-3378	1082	45	contribution	contribution	NOUN
fsr-3378	1082	46	plan	plan	NOUN
fsr-3378	1082	47	where	where	SCONJ
fsr-3378	1082	48	both	both	DET
fsr-3378	1082	49	employee	employee	NOUN
fsr-3378	1082	50	and	and	CCONJ
fsr-3378	1082	51	employer	employer	NOUN
fsr-3378	1082	52	may	may	AUX
fsr-3378	1082	53	contribute	contribute	VERB
fsr-3378	1082	54	to	to	ADP
fsr-3378	1082	55	individual	individual	NOUN
fsr-3378	1082	56	’s	’s	PART
fsr-3378	1082	57	accounts	account	NOUN
fsr-3378	1082	58	and	and	CCONJ
fsr-3378	1082	59	the	the	DET
fsr-3378	1082	60	benefit	benefit	NOUN
fsr-3378	1082	61	amount	amount	NOUN
fsr-3378	1082	62	at	at	ADP
fsr-3378	1082	63	retirement	retirement	NOUN
fsr-3378	1082	64	is	be	AUX
fsr-3378	1082	65	based	base	VERB
fsr-3378	1082	66	on	on	ADP
fsr-3378	1082	67	the	the	DET
fsr-3378	1082	68	amount	amount	NOUN
fsr-3378	1082	69	invested	invest	VERB
fsr-3378	1082	70	and	and	CCONJ
fsr-3378	1082	71	the	the	DET
fsr-3378	1082	72	investment	investment	NOUN
fsr-3378	1082	73	performance	performance	NOUN
fsr-3378	1082	74	of	of	ADP
fsr-3378	1082	75	those	those	DET
fsr-3378	1082	76	accounts	account	NOUN
fsr-3378	1082	77	,	,	PUNCT
fsr-3378	1082	78	(	(	PUNCT
fsr-3378	1082	79	c	c	X
fsr-3378	1082	80	)	)	PUNCT
fsr-3378	1082	81	both	both	PRON
fsr-3378	1082	82	(	(	PUNCT
fsr-3378	1082	83	a	a	NOUN
fsr-3378	1082	84	)	)	PUNCT
fsr-3378	1082	85	and	and	CCONJ
fsr-3378	1082	86	(	(	PUNCT
fsr-3378	1082	87	b	b	NOUN
fsr-3378	1082	88	)	)	PUNCT
fsr-3378	1082	89	or	or	CCONJ
fsr-3378	1082	90	(	(	PUNCT
fsr-3378	1082	91	c	c	X
fsr-3378	1082	92	)	)	PUNCT
fsr-3378	1082	93	some	some	DET
fsr-3378	1082	94	other	other	ADJ
fsr-3378	1082	95	type	type	NOUN
fsr-3378	1082	96	of	of	ADP
fsr-3378	1082	97	employer	employer	NOUN
fsr-3378	1082	98	-	-	PUNCT
fsr-3378	1082	99	provided	provide	VERB
fsr-3378	1082	100	retirement	retirement	NOUN
fsr-3378	1082	101	plan	plan	NOUN
fsr-3378	1082	102	?	?	PUNCT
fsr-3378	1083	1	(	(	PUNCT
fsr-3378	1083	2	specify	specify	VERB
fsr-3378	1083	3	)	)	PUNCT
fsr-3378	1084	1	_	_	PUNCT
fsr-3378	1085	1	_	_	PUNCT
fsr-3378	1086	1	_	_	PUNCT
fsr-3378	1087	1	_	_	PUNCT
fsr-3378	1088	1	_	_	PUNCT
fsr-3378	1089	1	_	_	PUNCT
fsr-3378	1090	1	_	_	PUNCT
fsr-3378	1091	1	_	_	PUNCT
fsr-3378	1092	1	_	_	PUNCT
fsr-3378	1093	1	_	_	PUNCT
fsr-3378	1094	1	_	_	PUNCT
fsr-3378	1095	1	_	_	PUNCT
fsr-3378	1096	1	_	_	PUNCT
fsr-3378	1097	1	_	_	PUNCT
fsr-3378	1098	1	_	_	PUNCT
fsr-3378	1099	1	_	_	PUNCT
fsr-3378	1100	1	_	_	PUNCT
fsr-3378	1101	1	_	_	PUNCT
fsr-3378	1102	1	_	_	PUNCT
fsr-3378	1103	1	_	_	PUNCT
fsr-3378	1104	1	_	_	PUNCT
fsr-3378	1105	1	_	_	PUNCT
fsr-3378	1106	1	_	_	PUNCT
fsr-3378	1107	1	_	_	PUNCT
fsr-3378	1108	1	_	_	PUNCT
fsr-3378	1109	1	_	_	PUNCT
fsr-3378	1110	1	_	_	PUNCT
fsr-3378	1111	1	_	_	PUNCT
fsr-3378	1112	1	_	_	PUNCT
fsr-3378	1113	1	_	_	PUNCT
fsr-3378	1114	1	_	_	PUNCT
fsr-3378	1115	1	_	_	PUNCT
fsr-3378	1116	1	_	_	PUNCT
fsr-3378	1117	1	_	_	PUNCT
fsr-3378	1118	1	_	_	PUNCT
fsr-3378	1119	1	_	_	PUNCT
fsr-3378	1120	1	_	_	PUNCT
fsr-3378	1121	1	_	_	PUNCT
fsr-3378	1122	1	_	_	PUNCT
fsr-3378	1123	1	_	_	PUNCT
fsr-3378	1124	1	_	_	PUNCT
fsr-3378	1125	1	_	_	PUNCT
fsr-3378	1126	1	_	_	PUNCT
fsr-3378	1127	1	_	_	PUNCT
fsr-3378	1128	1	_	_	PUNCT
fsr-3378	1129	1	_	_	PUNCT
fsr-3378	1130	1	_	_	PUNCT
fsr-3378	1131	1	_	_	PUNCT
fsr-3378	1132	1	_	_	PUNCT
fsr-3378	1133	1	25	25	NUM
fsr-3378	1133	2	.	.	PUNCT
fsr-3378	1134	1	do	do	AUX
fsr-3378	1134	2	you	you	PRON
fsr-3378	1134	3	have	have	VERB
fsr-3378	1134	4	another	another	DET
fsr-3378	1134	5	type	type	NOUN
fsr-3378	1134	6	of	of	ADP
fsr-3378	1134	7	registered	register	VERB
fsr-3378	1134	8	retirement	retirement	NOUN
fsr-3378	1134	9	account	account	NOUN
fsr-3378	1134	10	(	(	PUNCT
fsr-3378	1134	11	not	not	PART
fsr-3378	1134	12	provided	provide	VERB
fsr-3378	1134	13	by	by	ADP
fsr-3378	1134	14	an	an	DET
fsr-3378	1134	15	employer	employer	NOUN
fsr-3378	1134	16	)	)	PUNCT
fsr-3378	1134	17	such	such	ADJ
fsr-3378	1134	18	as	as	ADP
fsr-3378	1134	19	a	a	DET
fsr-3378	1134	20	selfdirected	selfdirected	ADJ
fsr-3378	1134	21	ira	ira	PROPN
fsr-3378	1134	22	or	or	CCONJ
fsr-3378	1134	23	roth	roth	PROPN
fsr-3378	1134	24	ira	ira	PROPN
fsr-3378	1134	25	(	(	PUNCT
fsr-3378	1134	26	i.e.	i.e.	X
fsr-3378	1134	27	,	,	PUNCT
fsr-3378	1134	28	a	a	DET
fsr-3378	1134	29	retirement	retirement	NOUN
fsr-3378	1134	30	plan	plan	NOUN
fsr-3378	1134	31	where	where	SCONJ
fsr-3378	1134	32	the	the	DET
fsr-3378	1134	33	owner	owner	NOUN
fsr-3378	1134	34	of	of	ADP
fsr-3378	1134	35	the	the	DET
fsr-3378	1134	36	account	account	NOUN
fsr-3378	1134	37	,	,	PUNCT
fsr-3378	1134	38	usually	usually	ADV
fsr-3378	1134	39	through	through	ADP
fsr-3378	1134	40	a	a	DET
fsr-3378	1134	41	trustee	trustee	NOUN
fsr-3378	1134	42	,	,	PUNCT
fsr-3378	1134	43	makes	make	VERB
fsr-3378	1134	44	all	all	DET
fsr-3378	1134	45	contributions	contribution	NOUN
fsr-3378	1134	46	and	and	CCONJ
fsr-3378	1134	47	investment	investment	NOUN
fsr-3378	1134	48	decisions	decision	NOUN
fsr-3378	1134	49	)	)	PUNCT
fsr-3378	1134	50	?	?	PUNCT
fsr-3378	1135	1	the	the	DET
fsr-3378	1135	2	benefit	benefit	NOUN
fsr-3378	1135	3	amount	amount	NOUN
fsr-3378	1135	4	at	at	ADP
fsr-3378	1135	5	retirement	retirement	NOUN
fsr-3378	1135	6	is	be	AUX
fsr-3378	1135	7	based	base	VERB
fsr-3378	1135	8	on	on	ADP
fsr-3378	1135	9	the	the	DET
fsr-3378	1135	10	amount	amount	NOUN
fsr-3378	1135	11	invested	invest	VERB
fsr-3378	1135	12	and	and	CCONJ
fsr-3378	1135	13	the	the	DET
fsr-3378	1135	14	investment	investment	NOUN
fsr-3378	1135	15	performance	performance	NOUN
fsr-3378	1135	16	of	of	ADP
fsr-3378	1135	17	those	those	DET
fsr-3378	1135	18	accounts	account	NOUN
fsr-3378	1135	19	.	.	PUNCT
fsr-3378	1136	1	(	(	PUNCT
fsr-3378	1136	2	yes	yes	INTJ
fsr-3378	1136	3	/	/	SYM
fsr-3378	1136	4	no	no	NOUN
fsr-3378	1136	5	)	)	PUNCT
fsr-3378	1136	6	27l.d	27l.d	NUM
fsr-3378	1136	7	.	.	PUNCT
fsr-3378	1137	1	smith	smith	PROPN
fsr-3378	1137	2	et	et	PROPN
fsr-3378	1137	3	al	al	PROPN
fsr-3378	1137	4	.	.	PUNCT
fsr-3378	1137	5	/	/	SYM
fsr-3378	1137	6	financial	financial	ADJ
fsr-3378	1137	7	services	service	NOUN
fsr-3378	1137	8	review	review	VERB
fsr-3378	1137	9	27	27	NUM
fsr-3378	1137	10	(	(	PUNCT
fsr-3378	1137	11	2018	2018	NUM
fsr-3378	1137	12	)	)	PUNCT
fsr-3378	1137	13	1	1	NUM
fsr-3378	1137	14	-	-	SYM
fsr-3378	1137	15	28	28	NUM
fsr-3378	1137	16	fay	fay	PROPN
fsr-3378	1137	17	,	,	PUNCT
fsr-3378	1137	18	s.	s.	PROPN
fsr-3378	1137	19	,	,	PUNCT
fsr-3378	1137	20	hurst	hurst	PROPN
fsr-3378	1137	21	,	,	PUNCT
fsr-3378	1137	22	e.	e.	PROPN
fsr-3378	1137	23	,	,	PUNCT
fsr-3378	1137	24	&	&	CCONJ
fsr-3378	1137	25	white	white	ADJ
fsr-3378	1137	26	,	,	PUNCT
fsr-3378	1137	27	m.	m.	NOUN
fsr-3378	1137	28	(	(	PUNCT
fsr-3378	1137	29	2002	2002	NUM
fsr-3378	1137	30	)	)	PUNCT
fsr-3378	1137	31	.	.	PUNCT
fsr-3378	1138	1	the	the	DET
fsr-3378	1138	2	household	household	NOUN
fsr-3378	1138	3	bankruptcy	bankruptcy	NOUN
fsr-3378	1138	4	decision	decision	NOUN
fsr-3378	1138	5	.	.	PUNCT
fsr-3378	1139	1	american	american	PROPN
fsr-3378	1139	2	economic	economic	PROPN
fsr-3378	1139	3	review	review	PROPN
fsr-3378	1139	4	,	,	PUNCT
fsr-3378	1139	5	92	92	NUM
fsr-3378	1139	6	,	,	PUNCT
fsr-3378	1139	7	706–718	706–718	NUM
fsr-3378	1139	8	.	.	PUNCT
fsr-3378	1140	1	glick	glick	PROPN
fsr-3378	1140	2	,	,	PUNCT
fsr-3378	1140	3	r.	r.	PROPN
fsr-3378	1140	4	,	,	PUNCT
fsr-3378	1140	5	&	&	CCONJ
fsr-3378	1140	6	lansing	lansing	PROPN
fsr-3378	1140	7	,	,	PUNCT
fsr-3378	1140	8	k.	k.	PROPN
fsr-3378	1140	9	j.	j.	PROPN
fsr-3378	1140	10	(	(	PUNCT
fsr-3378	1140	11	2009	2009	NUM
fsr-3378	1140	12	)	)	PUNCT
fsr-3378	1140	13	.	.	PUNCT
fsr-3378	1141	1	u.s	u.s	PROPN
fsr-3378	1141	2	.	.	PROPN
fsr-3378	1141	3	household	household	NOUN
fsr-3378	1141	4	deleveraging	deleveraging	NOUN
fsr-3378	1141	5	and	and	CCONJ
fsr-3378	1141	6	future	future	ADJ
fsr-3378	1141	7	consumption	consumption	NOUN
fsr-3378	1141	8	growth	growth	NOUN
fsr-3378	1141	9	.	.	PUNCT
fsr-3378	1142	1	federal	federal	PROPN
fsr-3378	1142	2	reserve	reserve	PROPN
fsr-3378	1142	3	board	board	PROPN
fsr-3378	1142	4	of	of	ADP
fsr-3378	1142	5	san	san	PROPN
fsr-3378	1142	6	francisco	francisco	PROPN
fsr-3378	1142	7	,	,	PUNCT
fsr-3378	1142	8	economic	economic	ADJ
fsr-3378	1142	9	letter	letter	NOUN
fsr-3378	1142	10	,	,	PUNCT
fsr-3378	1142	11	16	16	NUM
fsr-3378	1142	12	.	.	PUNCT
fsr-3378	1143	1	grafova	grafova	PROPN
fsr-3378	1143	2	,	,	PUNCT
fsr-3378	1143	3	i.	i.	PROPN
fsr-3378	1143	4	b.	b.	PROPN
fsr-3378	1143	5	(	(	PUNCT
fsr-3378	1143	6	2007	2007	NUM
fsr-3378	1143	7	)	)	PUNCT
fsr-3378	1143	8	.	.	PUNCT
fsr-3378	1144	1	your	your	PRON
fsr-3378	1144	2	money	money	NOUN
fsr-3378	1144	3	or	or	CCONJ
fsr-3378	1144	4	your	your	PRON
fsr-3378	1144	5	life	life	NOUN
fsr-3378	1144	6	:	:	PUNCT
fsr-3378	1144	7	managing	manage	VERB
fsr-3378	1144	8	health	health	NOUN
fsr-3378	1144	9	,	,	PUNCT
fsr-3378	1144	10	managing	manage	VERB
fsr-3378	1144	11	money	money	NOUN
fsr-3378	1144	12	.	.	PUNCT
fsr-3378	1145	1	journal	journal	PROPN
fsr-3378	1145	2	of	of	ADP
fsr-3378	1145	3	family	family	NOUN
fsr-3378	1145	4	and	and	CCONJ
fsr-3378	1145	5	economic	economic	ADJ
fsr-3378	1145	6	issues	issue	NOUN
fsr-3378	1145	7	,	,	PUNCT
fsr-3378	1145	8	28	28	NUM
fsr-3378	1145	9	,	,	PUNCT
fsr-3378	1145	10	285–303	285–303	NUM
fsr-3378	1145	11	.	.	PUNCT
fsr-3378	1146	1	himmelstein	himmelstein	PROPN
fsr-3378	1146	2	,	,	PUNCT
fsr-3378	1146	3	d.	d.	PROPN
fsr-3378	1146	4	u.	u.	PROPN
fsr-3378	1146	5	,	,	PUNCT
fsr-3378	1146	6	warren	warren	PROPN
fsr-3378	1146	7	,	,	PUNCT
fsr-3378	1146	8	e.	e.	PROPN
fsr-3378	1146	9	,	,	PUNCT
fsr-3378	1146	10	thorne	thorne	PROPN
fsr-3378	1146	11	,	,	PUNCT
fsr-3378	1146	12	d.	d.	PROPN
fsr-3378	1146	13	,	,	PUNCT
fsr-3378	1146	14	&	&	CCONJ
fsr-3378	1146	15	woolhandler	woolhandler	PROPN
fsr-3378	1146	16	,	,	PUNCT
fsr-3378	1146	17	s.	s.	PROPN
fsr-3378	1146	18	(	(	PUNCT
fsr-3378	1146	19	2005	2005	NUM
fsr-3378	1146	20	)	)	PUNCT
fsr-3378	1146	21	.	.	PUNCT
fsr-3378	1147	1	illness	illness	NOUN
fsr-3378	1147	2	and	and	CCONJ
fsr-3378	1147	3	injury	injury	NOUN
fsr-3378	1147	4	as	as	ADP
fsr-3378	1147	5	contributors	contributor	NOUN
fsr-3378	1147	6	to	to	ADP
fsr-3378	1147	7	bankruptcy	bankruptcy	NOUN
fsr-3378	1147	8	.	.	PUNCT
fsr-3378	1148	1	marketwatch	marketwatch	PROPN
fsr-3378	1148	2	.	.	PROPN
fsr-3378	1148	3	health	health	PROPN
fsr-3378	1148	4	affairs	affairs	PROPN
fsr-3378	1148	5	web	web	NOUN
fsr-3378	1148	6	exclusive	exclusive	ADJ
fsr-3378	1148	7	2	2	NUM
fsr-3378	1148	8	.	.	PUNCT
fsr-3378	1148	9	project	project	PROPN
fsr-3378	1148	10	hope	hope	PROPN
fsr-3378	1148	11	–	–	PUNCT
fsr-3378	1148	12	the	the	DET
fsr-3378	1148	13	people	people	NOUN
fsr-3378	1148	14	-	-	PUNCT
fsr-3378	1148	15	to	to	ADP
fsr-3378	1148	16	-	-	PUNCT
fsr-3378	1148	17	people	people	NOUN
fsr-3378	1148	18	health	health	PROPN
fsr-3378	1148	19	foundation	foundation	PROPN
fsr-3378	1148	20	,	,	PUNCT
fsr-3378	1148	21	inc	inc	PROPN
fsr-3378	1148	22	.	.	PROPN
fsr-3378	1148	23	javine	javine	PROPN
fsr-3378	1148	24	,	,	PUNCT
fsr-3378	1148	25	v.	v.	PROPN
fsr-3378	1148	26	(	(	PUNCT
fsr-3378	1148	27	2013	2013	NUM
fsr-3378	1148	28	)	)	PUNCT
fsr-3378	1148	29	.	.	PUNCT
fsr-3378	1149	1	financial	financial	ADJ
fsr-3378	1149	2	knowledge	knowledge	NOUN
fsr-3378	1149	3	and	and	CCONJ
fsr-3378	1149	4	credit	credit	NOUN
fsr-3378	1149	5	usage	usage	NOUN
fsr-3378	1149	6	in	in	ADP
fsr-3378	1149	7	college	college	NOUN
fsr-3378	1149	8	students	student	NOUN
fsr-3378	1149	9	.	.	PUNCT
fsr-3378	1150	1	financial	financial	ADJ
fsr-3378	1150	2	services	service	NOUN
fsr-3378	1150	3	review	review	PROPN
fsr-3378	1150	4	,	,	PUNCT
fsr-3378	1150	5	22	22	NUM
fsr-3378	1150	6	,	,	PUNCT
fsr-3378	1150	7	367–87	367–87	NUM
fsr-3378	1150	8	.	.	PUNCT
fsr-3378	1151	1	lyons	lyons	PROPN
fsr-3378	1151	2	,	,	PUNCT
fsr-3378	1151	3	a.	a.	PROPN
fsr-3378	1151	4	c.	c.	PROPN
fsr-3378	1151	5	,	,	PUNCT
fsr-3378	1151	6	rachlis	rachlis	PROPN
fsr-3378	1151	7	,	,	PUNCT
fsr-3378	1151	8	m.	m.	NOUN
fsr-3378	1151	9	,	,	PUNCT
fsr-3378	1151	10	&	&	CCONJ
fsr-3378	1151	11	scherpf	scherpf	NOUN
fsr-3378	1151	12	,	,	PUNCT
fsr-3378	1151	13	e.	e.	PROPN
fsr-3378	1151	14	(	(	PUNCT
fsr-3378	1151	15	2007	2007	NUM
fsr-3378	1151	16	)	)	PUNCT
fsr-3378	1151	17	.	.	PUNCT
fsr-3378	1152	1	what	what	PRON
fsr-3378	1152	2	’s	’	VERB
fsr-3378	1152	3	in	in	ADP
fsr-3378	1152	4	a	a	DET
fsr-3378	1152	5	score	score	NOUN
fsr-3378	1152	6	?	?	PUNCT
fsr-3378	1153	1	differences	difference	NOUN
fsr-3378	1153	2	in	in	ADP
fsr-3378	1153	3	consumers	consumer	NOUN
fsr-3378	1153	4	’	'	PUNCT
fsr-3378	1153	5	credit	credit	NOUN
fsr-3378	1153	6	knowledge	knowledge	NOUN
fsr-3378	1153	7	using	use	VERB
fsr-3378	1153	8	ols	ol	NOUN
fsr-3378	1153	9	and	and	CCONJ
fsr-3378	1153	10	quantile	quantile	ADJ
fsr-3378	1153	11	regressions	regression	NOUN
fsr-3378	1153	12	.	.	PUNCT
fsr-3378	1154	1	the	the	DET
fsr-3378	1154	2	journal	journal	NOUN
fsr-3378	1154	3	of	of	ADP
fsr-3378	1154	4	consumer	consumer	NOUN
fsr-3378	1154	5	affairs	affair	NOUN
fsr-3378	1154	6	,	,	PUNCT
fsr-3378	1154	7	41	41	NUM
fsr-3378	1154	8	,	,	PUNCT
fsr-3378	1154	9	223–249	223–249	NUM
fsr-3378	1154	10	.	.	PUNCT
fsr-3378	1154	11	national	national	PROPN
fsr-3378	1154	12	association	association	PROPN
fsr-3378	1154	13	of	of	ADP
fsr-3378	1154	14	state	state	NOUN
fsr-3378	1154	15	pirgs	pirg	NOUN
fsr-3378	1154	16	.	.	PUNCT
fsr-3378	1155	1	(	(	PUNCT
fsr-3378	1155	2	2004	2004	NUM
fsr-3378	1155	3	)	)	PUNCT
fsr-3378	1155	4	.	.	PUNCT
fsr-3378	1156	1	mistakes	mistake	NOUN
fsr-3378	1156	2	do	do	AUX
fsr-3378	1156	3	happen	happen	VERB
fsr-3378	1156	4	:	:	PUNCT
fsr-3378	1156	5	a	a	DET
fsr-3378	1156	6	look	look	NOUN
fsr-3378	1156	7	at	at	ADP
fsr-3378	1156	8	errors	error	NOUN
fsr-3378	1156	9	in	in	ADP
fsr-3378	1156	10	consumer	consumer	NOUN
fsr-3378	1156	11	credit	credit	NOUN
fsr-3378	1156	12	reports	report	NOUN
fsr-3378	1156	13	.	.	PUNCT
fsr-3378	1157	1	washington	washington	PROPN
fsr-3378	1157	2	,	,	PUNCT
fsr-3378	1157	3	dc	dc	PROPN
fsr-3378	1157	4	:	:	PUNCT
fsr-3378	1157	5	national	national	PROPN
fsr-3378	1157	6	association	association	PROPN
fsr-3378	1157	7	of	of	ADP
fsr-3378	1157	8	state	state	NOUN
fsr-3378	1157	9	pirgs	pirg	NOUN
fsr-3378	1157	10	.	.	PUNCT
fsr-3378	1158	1	national	national	PROPN
fsr-3378	1158	2	foundation	foundation	PROPN
fsr-3378	1158	3	for	for	ADP
fsr-3378	1158	4	credit	credit	NOUN
fsr-3378	1158	5	counseling	counseling	NOUN
fsr-3378	1158	6	.	.	PUNCT
fsr-3378	1159	1	(	(	PUNCT
fsr-3378	1159	2	2012	2012	NUM
fsr-3378	1159	3	)	)	PUNCT
fsr-3378	1159	4	.	.	PUNCT
fsr-3378	1160	1	the	the	DET
fsr-3378	1160	2	2012	2012	NUM
fsr-3378	1160	3	consumer	consumer	NOUN
fsr-3378	1160	4	financial	financial	ADJ
fsr-3378	1160	5	literacy	literacy	NOUN
fsr-3378	1160	6	survey	survey	NOUN
fsr-3378	1160	7	prepared	prepare	VERB
fsr-3378	1160	8	by	by	ADP
fsr-3378	1160	9	harris	harris	PROPN
fsr-3378	1160	10	interactive	interactive	PROPN
fsr-3378	1160	11	inc	inc	PROPN
fsr-3378	1160	12	.	.	PROPN
fsr-3378	1160	13	rochester	rochester	PROPN
fsr-3378	1160	14	,	,	PUNCT
fsr-3378	1160	15	ny	ny	PROPN
fsr-3378	1160	16	:	:	PUNCT
fsr-3378	1160	17	national	national	PROPN
fsr-3378	1160	18	foundation	foundation	PROPN
fsr-3378	1160	19	for	for	ADP
fsr-3378	1160	20	credit	credit	NOUN
fsr-3378	1160	21	counseling	counseling	NOUN
fsr-3378	1160	22	.	.	PUNCT
fsr-3378	1161	1	norvilitis	norvilitis	PROPN
fsr-3378	1161	2	,	,	PUNCT
fsr-3378	1161	3	j.	j.	PROPN
fsr-3378	1161	4	m.	m.	PROPN
fsr-3378	1161	5	,	,	PUNCT
fsr-3378	1161	6	&	&	CCONJ
fsr-3378	1161	7	maclean	maclean	PROPN
fsr-3378	1161	8	,	,	PUNCT
fsr-3378	1161	9	m.	m.	NOUN
fsr-3378	1161	10	g.	g.	PROPN
fsr-3378	1161	11	(	(	PUNCT
fsr-3378	1161	12	2010	2010	NUM
fsr-3378	1161	13	)	)	PUNCT
fsr-3378	1161	14	.	.	PUNCT
fsr-3378	1162	1	the	the	DET
fsr-3378	1162	2	role	role	NOUN
fsr-3378	1162	3	of	of	ADP
fsr-3378	1162	4	parents	parent	NOUN
fsr-3378	1162	5	in	in	ADP
fsr-3378	1162	6	college	college	NOUN
fsr-3378	1162	7	students	student	NOUN
fsr-3378	1162	8	’	’	PART
fsr-3378	1162	9	financial	financial	ADJ
fsr-3378	1162	10	behaviors	behavior	NOUN
fsr-3378	1162	11	and	and	CCONJ
fsr-3378	1162	12	attitudes	attitude	NOUN
fsr-3378	1162	13	.	.	PUNCT
fsr-3378	1163	1	journal	journal	NOUN
fsr-3378	1163	2	of	of	ADP
fsr-3378	1163	3	economic	economic	ADJ
fsr-3378	1163	4	psychology	psychology	NOUN
fsr-3378	1163	5	,	,	PUNCT
fsr-3378	1163	6	31	31	NUM
fsr-3378	1163	7	,	,	PUNCT
fsr-3378	1163	8	55–63	55–63	NUM
fsr-3378	1163	9	.	.	PUNCT
fsr-3378	1164	1	o’neill	o’neill	PROPN
fsr-3378	1164	2	,	,	PUNCT
fsr-3378	1164	3	b.	b.	PROPN
fsr-3378	1164	4	,	,	PUNCT
fsr-3378	1164	5	&	&	CCONJ
fsr-3378	1164	6	xiao	xiao	PROPN
fsr-3378	1164	7	,	,	PUNCT
fsr-3378	1164	8	j.	j.	PROPN
fsr-3378	1164	9	j.	j.	PROPN
fsr-3378	1164	10	(	(	PUNCT
fsr-3378	1164	11	2014	2014	NUM
fsr-3378	1164	12	)	)	PUNCT
fsr-3378	1164	13	.	.	PUNCT
fsr-3378	1165	1	post	post	ADJ
fsr-3378	1165	2	-	-	NOUN
fsr-3378	1165	3	recession	recession	ADJ
fsr-3378	1165	4	,	,	PUNCT
fsr-3378	1165	5	post	post	ADJ
fsr-3378	1165	6	-	-	ADJ
fsr-3378	1165	7	legislation	legislation	ADJ
fsr-3378	1165	8	credit	credit	NOUN
fsr-3378	1165	9	use	use	NOUN
fsr-3378	1165	10	:	:	PUNCT
fsr-3378	1165	11	insights	insight	NOUN
fsr-3378	1165	12	from	from	ADP
fsr-3378	1165	13	an	an	DET
fsr-3378	1165	14	online	online	ADJ
fsr-3378	1165	15	survey	survey	NOUN
fsr-3378	1165	16	.	.	PUNCT
fsr-3378	1166	1	journal	journal	NOUN
fsr-3378	1166	2	of	of	ADP
fsr-3378	1166	3	personal	personal	ADJ
fsr-3378	1166	4	finance	finance	NOUN
fsr-3378	1166	5	,	,	PUNCT
fsr-3378	1166	6	13	13	NUM
fsr-3378	1166	7	,	,	PUNCT
fsr-3378	1166	8	65–76	65–76	NUM
fsr-3378	1166	9	.	.	PUNCT
fsr-3378	1167	1	ratcliffe	ratcliffe	PROPN
fsr-3378	1167	2	,	,	PUNCT
fsr-3378	1167	3	c.	c.	PROPN
fsr-3378	1167	4	,	,	PUNCT
fsr-3378	1167	5	mckernan	mckernan	PROPN
fsr-3378	1167	6	,	,	PUNCT
fsr-3378	1167	7	s.	s.	PROPN
fsr-3378	1167	8	m.	m.	PROPN
fsr-3378	1167	9	,	,	PUNCT
fsr-3378	1167	10	theodos	theodos	PROPN
fsr-3378	1167	11	,	,	PUNCT
fsr-3378	1167	12	b.	b.	PROPN
fsr-3378	1167	13	,	,	PUNCT
fsr-3378	1167	14	kalish	kalish	PROPN
fsr-3378	1167	15	,	,	PUNCT
fsr-3378	1167	16	e.	e.	PROPN
fsr-3378	1167	17	,	,	PUNCT
fsr-3378	1167	18	chalekian	chalekian	PROPN
fsr-3378	1167	19	,	,	PUNCT
fsr-3378	1167	20	j.	j.	PROPN
fsr-3378	1167	21	,	,	PUNCT
fsr-3378	1167	22	guo	guo	PROPN
fsr-3378	1167	23	,	,	PUNCT
fsr-3378	1167	24	p.	p.	PROPN
fsr-3378	1167	25	,	,	PUNCT
fsr-3378	1167	26	&	&	CCONJ
fsr-3378	1167	27	trepel	trepel	PROPN
fsr-3378	1167	28	,	,	PUNCT
fsr-3378	1167	29	c.	c.	PROPN
fsr-3378	1167	30	(	(	PUNCT
fsr-3378	1167	31	2014	2014	NUM
fsr-3378	1167	32	)	)	PUNCT
fsr-3378	1167	33	.	.	PUNCT
fsr-3378	1168	1	delinquent	delinquent	ADJ
fsr-3378	1168	2	debt	debt	NOUN
fsr-3378	1168	3	in	in	ADP
fsr-3378	1168	4	america	america	PROPN
fsr-3378	1168	5	:	:	PUNCT
fsr-3378	1168	6	an	an	DET
fsr-3378	1168	7	opportunity	opportunity	NOUN
fsr-3378	1168	8	and	and	CCONJ
fsr-3378	1168	9	ownership	ownership	NOUN
fsr-3378	1168	10	initiative	initiative	NOUN
fsr-3378	1168	11	brief	brief	NOUN
fsr-3378	1168	12	.	.	PUNCT
fsr-3378	1169	1	washington	washington	PROPN
fsr-3378	1169	2	,	,	PUNCT
fsr-3378	1169	3	dc	dc	PROPN
fsr-3378	1169	4	:	:	PUNCT
fsr-3378	1169	5	urban	urban	PROPN
fsr-3378	1169	6	research	research	PROPN
fsr-3378	1169	7	institute	institute	PROPN
fsr-3378	1169	8	.	.	PUNCT
fsr-3378	1170	1	smith	smith	PROPN
fsr-3378	1170	2	,	,	PUNCT
fsr-3378	1170	3	h.	h.	PROPN
fsr-3378	1170	4	l.	l.	PROPN
fsr-3378	1170	5	,	,	PUNCT
fsr-3378	1170	6	finke	finke	PROPN
fsr-3378	1170	7	,	,	PUNCT
fsr-3378	1170	8	m.	m.	NOUN
fsr-3378	1170	9	s.	s.	PROPN
fsr-3378	1170	10	,	,	PUNCT
fsr-3378	1170	11	&	&	CCONJ
fsr-3378	1170	12	huston	huston	PROPN
fsr-3378	1170	13	,	,	PUNCT
fsr-3378	1170	14	s.	s.	PROPN
fsr-3378	1170	15	j.	j.	PROPN
fsr-3378	1170	16	(	(	PUNCT
fsr-3378	1170	17	2012	2012	NUM
fsr-3378	1170	18	)	)	PUNCT
fsr-3378	1170	19	.	.	PUNCT
fsr-3378	1171	1	financial	financial	ADJ
fsr-3378	1171	2	sophistication	sophistication	NOUN
fsr-3378	1171	3	and	and	CCONJ
fsr-3378	1171	4	housing	housing	NOUN
fsr-3378	1171	5	leverage	leverage	NOUN
fsr-3378	1171	6	among	among	ADP
fsr-3378	1171	7	older	old	ADJ
fsr-3378	1171	8	households	household	NOUN
fsr-3378	1171	9	.	.	PUNCT
fsr-3378	1172	1	journal	journal	NOUN
fsr-3378	1172	2	of	of	ADP
fsr-3378	1172	3	family	family	NOUN
fsr-3378	1172	4	and	and	CCONJ
fsr-3378	1172	5	economic	economic	ADJ
fsr-3378	1172	6	issues	issue	NOUN
fsr-3378	1172	7	,	,	PUNCT
fsr-3378	1172	8	33	33	NUM
fsr-3378	1172	9	,	,	PUNCT
fsr-3378	1172	10	315–327	315–327	NUM
fsr-3378	1172	11	.	.	PUNCT
fsr-3378	1173	1	smith	smith	PROPN
fsr-3378	1173	2	,	,	PUNCT
fsr-3378	1173	3	l.	l.	PROPN
fsr-3378	1173	4	d.	d.	PROPN
fsr-3378	1173	5	,	,	PUNCT
fsr-3378	1173	6	staten	staten	PROPN
fsr-3378	1173	7	,	,	PUNCT
fsr-3378	1173	8	m.	m.	NOUN
fsr-3378	1173	9	,	,	PUNCT
fsr-3378	1173	10	eyssell	eyssell	NOUN
fsr-3378	1173	11	,	,	PUNCT
fsr-3378	1173	12	t.	t.	PROPN
fsr-3378	1173	13	,	,	PUNCT
fsr-3378	1173	14	karig	karig	PROPN
fsr-3378	1173	15	,	,	PUNCT
fsr-3378	1173	16	m.	m.	NOUN
fsr-3378	1173	17	,	,	PUNCT
fsr-3378	1173	18	freeborn	freeborn	PROPN
fsr-3378	1173	19	,	,	PUNCT
fsr-3378	1173	20	b.	b.	PROPN
fsr-3378	1173	21	a.	a.	PROPN
fsr-3378	1173	22	,	,	PUNCT
fsr-3378	1173	23	&	&	CCONJ
fsr-3378	1173	24	golden	golden	ADJ
fsr-3378	1173	25	,	,	PUNCT
fsr-3378	1173	26	a.	a.	NOUN
fsr-3378	1173	27	(	(	PUNCT
fsr-3378	1173	28	2013	2013	NUM
fsr-3378	1173	29	)	)	PUNCT
fsr-3378	1173	30	.	.	PUNCT
fsr-3378	1174	1	accuracy	accuracy	NOUN
fsr-3378	1174	2	of	of	ADP
fsr-3378	1174	3	information	information	NOUN
fsr-3378	1174	4	maintained	maintain	VERB
fsr-3378	1174	5	by	by	ADP
fsr-3378	1174	6	u.s	u.s	PROPN
fsr-3378	1174	7	.	.	PROPN
fsr-3378	1174	8	credit	credit	NOUN
fsr-3378	1174	9	bureaus	bureaus	PROPN
fsr-3378	1174	10	:	:	PUNCT
fsr-3378	1174	11	frequency	frequency	NOUN
fsr-3378	1174	12	of	of	ADP
fsr-3378	1174	13	errors	error	NOUN
fsr-3378	1174	14	and	and	CCONJ
fsr-3378	1174	15	effects	effect	NOUN
fsr-3378	1174	16	on	on	ADP
fsr-3378	1174	17	consumers	consumer	NOUN
fsr-3378	1174	18	’	’	PART
fsr-3378	1174	19	credit	credit	NOUN
fsr-3378	1174	20	scores	score	NOUN
fsr-3378	1174	21	.	.	PUNCT
fsr-3378	1175	1	journal	journal	NOUN
fsr-3378	1175	2	of	of	ADP
fsr-3378	1175	3	consumer	consumer	NOUN
fsr-3378	1175	4	affairs	affair	NOUN
fsr-3378	1175	5	,	,	PUNCT
fsr-3378	1175	6	47	47	NUM
fsr-3378	1175	7	,	,	PUNCT
fsr-3378	1175	8	588–601	588–601	NUM
fsr-3378	1175	9	.	.	PROPN
fsr-3378	1175	10	staten	staten	PROPN
fsr-3378	1175	11	,	,	PUNCT
fsr-3378	1175	12	m.	m.	PROPN
fsr-3378	1175	13	e.	e.	PROPN
fsr-3378	1175	14	(	(	PUNCT
fsr-3378	1175	15	1993	1993	NUM
fsr-3378	1175	16	)	)	PUNCT
fsr-3378	1175	17	.	.	PUNCT
fsr-3378	1176	1	the	the	DET
fsr-3378	1176	2	impact	impact	NOUN
fsr-3378	1176	3	of	of	ADP
fsr-3378	1176	4	post	post	ADJ
fsr-3378	1176	5	-	-	ADJ
fsr-3378	1176	6	bankruptcy	bankruptcy	ADJ
fsr-3378	1176	7	credit	credit	NOUN
fsr-3378	1176	8	on	on	ADP
fsr-3378	1176	9	the	the	DET
fsr-3378	1176	10	number	number	NOUN
fsr-3378	1176	11	of	of	ADP
fsr-3378	1176	12	personal	personal	ADJ
fsr-3378	1176	13	bankruptcies	bankruptcy	NOUN
fsr-3378	1176	14	.	.	PUNCT
fsr-3378	1177	1	credit	credit	NOUN
fsr-3378	1177	2	research	research	NOUN
fsr-3378	1177	3	center	center	NOUN
fsr-3378	1177	4	,	,	PUNCT
fsr-3378	1177	5	working	working	NOUN
fsr-3378	1177	6	paper	paper	NOUN
fsr-3378	1177	7	no	no	INTJ
fsr-3378	1178	1	.	.	PROPN
fsr-3378	1179	1	58	58	NUM
fsr-3378	1179	2	.	.	PUNCT
fsr-3378	1180	1	krannert	krannert	PROPN
fsr-3378	1180	2	graduate	graduate	PROPN
fsr-3378	1180	3	school	school	NOUN
fsr-3378	1180	4	of	of	ADP
fsr-3378	1180	5	management	management	NOUN
fsr-3378	1180	6	,	,	PUNCT
fsr-3378	1180	7	purdue	purdue	PROPN
fsr-3378	1180	8	university	university	PROPN
fsr-3378	1180	9	west	west	PROPN
fsr-3378	1180	10	lafayette	lafayette	PROPN
fsr-3378	1180	11	,	,	PUNCT
fsr-3378	1180	12	in	in	ADP
fsr-3378	1180	13	.	.	PUNCT
fsr-3378	1180	14	staten	staten	PROPN
fsr-3378	1180	15	,	,	PUNCT
fsr-3378	1180	16	m.	m.	PROPN
fsr-3378	1180	17	e.	e.	PROPN
fsr-3378	1180	18	,	,	PUNCT
fsr-3378	1180	19	&	&	CCONJ
fsr-3378	1180	20	cate	cate	PROPN
fsr-3378	1180	21	,	,	PUNCT
fsr-3378	1180	22	f.	f.	PROPN
fsr-3378	1180	23	h.	h.	PROPN
fsr-3378	1180	24	(	(	PUNCT
fsr-3378	1180	25	2004	2004	NUM
fsr-3378	1180	26	)	)	PUNCT
fsr-3378	1180	27	.	.	PUNCT
fsr-3378	1181	1	does	do	AUX
fsr-3378	1181	2	the	the	DET
fsr-3378	1181	3	fair	fair	ADJ
fsr-3378	1181	4	credit	credit	NOUN
fsr-3378	1181	5	reporting	reporting	NOUN
fsr-3378	1181	6	act	act	NOUN
fsr-3378	1181	7	promote	promote	VERB
fsr-3378	1181	8	accurate	accurate	ADJ
fsr-3378	1181	9	credit	credit	NOUN
fsr-3378	1181	10	reporting	reporting	NOUN
fsr-3378	1181	11	?	?	PUNCT
fsr-3378	1182	1	building	build	VERB
fsr-3378	1182	2	assets	asset	NOUN
fsr-3378	1182	3	building	building	NOUN
fsr-3378	1182	4	credit	credit	NOUN
fsr-3378	1182	5	:	:	PUNCT
fsr-3378	1182	6	a	a	DET
fsr-3378	1182	7	symposium	symposium	NOUN
fsr-3378	1182	8	on	on	ADP
fsr-3378	1182	9	improving	improve	VERB
fsr-3378	1182	10	financial	financial	ADJ
fsr-3378	1182	11	services	service	NOUN
fsr-3378	1182	12	.	.	PUNCT
fsr-3378	1183	1	joint	joint	ADJ
fsr-3378	1183	2	center	center	NOUN
fsr-3378	1183	3	for	for	ADP
fsr-3378	1183	4	housing	housing	NOUN
fsr-3378	1183	5	studies	study	NOUN
fsr-3378	1183	6	,	,	PUNCT
fsr-3378	1183	7	harvard	harvard	PROPN
fsr-3378	1183	8	university	university	PROPN
fsr-3378	1183	9	,	,	PUNCT
fsr-3378	1183	10	babc	babc	PROPN
fsr-3378	1183	11	04–14	04–14	NOUN
fsr-3378	1183	12	,	,	PUNCT
fsr-3378	1183	13	1–58	1–58	PROPN
fsr-3378	1183	14	.	.	PUNCT
fsr-3378	1184	1	sullivan	sullivan	PROPN
fsr-3378	1184	2	,	,	PUNCT
fsr-3378	1184	3	t.	t.	PROPN
fsr-3378	1184	4	a.	a.	PROPN
fsr-3378	1184	5	,	,	PUNCT
fsr-3378	1184	6	warren	warren	PROPN
fsr-3378	1184	7	,	,	PUNCT
fsr-3378	1184	8	e.	e.	PROPN
fsr-3378	1184	9	,	,	PUNCT
fsr-3378	1184	10	&	&	CCONJ
fsr-3378	1184	11	westbrook	westbrook	PROPN
fsr-3378	1184	12	,	,	PUNCT
fsr-3378	1184	13	j.	j.	PROPN
fsr-3378	1184	14	l.	l.	PROPN
fsr-3378	1184	15	(	(	PUNCT
fsr-3378	1184	16	2006	2006	NUM
fsr-3378	1184	17	)	)	PUNCT
fsr-3378	1184	18	.	.	PUNCT
fsr-3378	1185	1	less	less	ADJ
fsr-3378	1185	2	stigma	stigma	NOUN
fsr-3378	1185	3	or	or	CCONJ
fsr-3378	1185	4	more	more	ADJ
fsr-3378	1185	5	financial	financial	ADJ
fsr-3378	1185	6	distress	distress	NOUN
fsr-3378	1185	7	:	:	PUNCT
fsr-3378	1185	8	an	an	DET
fsr-3378	1185	9	empirical	empirical	ADJ
fsr-3378	1185	10	analysis	analysis	NOUN
fsr-3378	1185	11	of	of	ADP
fsr-3378	1185	12	the	the	DET
fsr-3378	1185	13	extraordinary	extraordinary	ADJ
fsr-3378	1185	14	increase	increase	NOUN
fsr-3378	1185	15	in	in	ADP
fsr-3378	1185	16	bankruptcy	bankruptcy	NOUN
fsr-3378	1185	17	filings	filing	NOUN
fsr-3378	1185	18	.	.	PUNCT
fsr-3378	1186	1	stanford	stanford	PROPN
fsr-3378	1186	2	law	law	PROPN
fsr-3378	1186	3	review	review	PROPN
fsr-3378	1186	4	,	,	PUNCT
fsr-3378	1186	5	59	59	NUM
fsr-3378	1186	6	,	,	PUNCT
fsr-3378	1186	7	213–256	213–256	NUM
fsr-3378	1186	8	.	.	PUNCT
fsr-3378	1187	1	tang	tang	PROPN
fsr-3378	1187	2	,	,	PUNCT
fsr-3378	1187	3	t.	t.	PROPN
fsr-3378	1187	4	l.	l.	PROPN
fsr-3378	1187	5	(	(	PUNCT
fsr-3378	1187	6	1992	1992	NUM
fsr-3378	1187	7	)	)	PUNCT
fsr-3378	1187	8	.	.	PUNCT
fsr-3378	1188	1	the	the	DET
fsr-3378	1188	2	meaning	meaning	NOUN
fsr-3378	1188	3	of	of	ADP
fsr-3378	1188	4	money	money	NOUN
fsr-3378	1188	5	revisited	revisit	VERB
fsr-3378	1188	6	.	.	PUNCT
fsr-3378	1189	1	journal	journal	NOUN
fsr-3378	1189	2	of	of	ADP
fsr-3378	1189	3	organizational	organizational	ADJ
fsr-3378	1189	4	behavior	behavior	NOUN
fsr-3378	1189	5	,	,	PUNCT
fsr-3378	1189	6	13	13	NUM
fsr-3378	1189	7	,	,	PUNCT
fsr-3378	1189	8	187–202	187–202	NUM
fsr-3378	1189	9	.	.	PUNCT
fsr-3378	1190	1	28	28	NUM
fsr-3378	1190	2	l.d	l.d	PROPN
fsr-3378	1190	3	.	.	PROPN
fsr-3378	1190	4	smith	smith	PROPN
fsr-3378	1190	5	et	et	PROPN
fsr-3378	1190	6	al	al	PROPN
fsr-3378	1190	7	.	.	PUNCT
fsr-3378	1190	8	/	/	SYM
fsr-3378	1190	9	financial	financial	ADJ
fsr-3378	1190	10	services	service	NOUN
fsr-3378	1190	11	review	review	VERB
fsr-3378	1190	12	27	27	NUM
fsr-3378	1190	13	(	(	PUNCT
fsr-3378	1190	14	2018	2018	NUM
fsr-3378	1190	15	)	)	PUNCT
fsr-3378	1190	16	1	1	NUM
fsr-3378	1190	17	-	-	SYM
fsr-3378	1190	18	28	28	NUM