id	sid	tid	token	lemma	pos
fsr-3386	1	1	from	from	ADP
fsr-3386	1	2	the	the	DET
fsr-3386	1	3	editor	editor	NOUN
fsr-3386	1	4	this	this	DET
fsr-3386	1	5	issue	issue	NOUN
fsr-3386	1	6	contains	contain	VERB
fsr-3386	1	7	volume	volume	NOUN
fsr-3386	1	8	27	27	NUM
fsr-3386	1	9	issue	issue	NOUN
fsr-3386	1	10	2	2	NUM
fsr-3386	1	11	of	of	ADP
fsr-3386	1	12	financial	financial	ADJ
fsr-3386	1	13	services	service	NOUN
fsr-3386	1	14	review	review	NOUN
fsr-3386	1	15	(	(	PUNCT
fsr-3386	1	16	fsr	fsr	PROPN
fsr-3386	1	17	)	)	PUNCT
fsr-3386	1	18	.	.	PUNCT
fsr-3386	2	1	i	i	PRON
fsr-3386	2	2	would	would	AUX
fsr-3386	2	3	like	like	VERB
fsr-3386	2	4	to	to	PART
fsr-3386	2	5	thank	thank	VERB
fsr-3386	2	6	the	the	DET
fsr-3386	2	7	board	board	NOUN
fsr-3386	2	8	and	and	CCONJ
fsr-3386	2	9	members	member	NOUN
fsr-3386	2	10	of	of	ADP
fsr-3386	2	11	the	the	DET
fsr-3386	2	12	academy	academy	NOUN
fsr-3386	2	13	of	of	ADP
fsr-3386	2	14	financial	financial	ADJ
fsr-3386	2	15	services	service	NOUN
fsr-3386	2	16	for	for	ADP
fsr-3386	2	17	their	their	PRON
fsr-3386	2	18	continued	continue	VERB
fsr-3386	2	19	support	support	NOUN
fsr-3386	2	20	.	.	PUNCT
fsr-3386	3	1	i	i	PRON
fsr-3386	3	2	continue	continue	VERB
fsr-3386	3	3	to	to	PART
fsr-3386	3	4	work	work	VERB
fsr-3386	3	5	in	in	ADP
fsr-3386	3	6	broadening	broaden	VERB
fsr-3386	3	7	the	the	DET
fsr-3386	3	8	scope	scope	NOUN
fsr-3386	3	9	of	of	ADP
fsr-3386	3	10	articles	article	NOUN
fsr-3386	3	11	,	,	PUNCT
fsr-3386	3	12	while	while	SCONJ
fsr-3386	3	13	still	still	ADV
fsr-3386	3	14	focusing	focus	VERB
fsr-3386	3	15	on	on	ADP
fsr-3386	3	16	individual	individual	ADJ
fsr-3386	3	17	financial	financial	ADJ
fsr-3386	3	18	management	management	NOUN
fsr-3386	3	19	and	and	CCONJ
fsr-3386	3	20	personal	personal	ADJ
fsr-3386	3	21	financial	financial	ADJ
fsr-3386	3	22	planning	planning	NOUN
fsr-3386	3	23	.	.	PUNCT
fsr-3386	4	1	i	i	PRON
fsr-3386	4	2	encourage	encourage	VERB
fsr-3386	4	3	authors	author	NOUN
fsr-3386	4	4	to	to	PART
fsr-3386	4	5	reach	reach	VERB
fsr-3386	4	6	out	out	ADP
fsr-3386	4	7	when	when	SCONJ
fsr-3386	4	8	discussing	discuss	VERB
fsr-3386	4	9	implications	implication	NOUN
fsr-3386	4	10	of	of	ADP
fsr-3386	4	11	their	their	PRON
fsr-3386	4	12	findings	finding	NOUN
fsr-3386	4	13	in	in	ADP
fsr-3386	4	14	a	a	DET
fsr-3386	4	15	more	more	ADV
fsr-3386	4	16	comprehensive	comprehensive	ADJ
fsr-3386	4	17	way	way	NOUN
fsr-3386	4	18	.	.	PUNCT
fsr-3386	5	1	as	as	SCONJ
fsr-3386	5	2	such	such	ADJ
fsr-3386	5	3	,	,	PUNCT
fsr-3386	5	4	all	all	DET
fsr-3386	5	5	articles	article	NOUN
fsr-3386	5	6	in	in	ADP
fsr-3386	5	7	the	the	DET
fsr-3386	5	8	journal	journal	NOUN
fsr-3386	5	9	more	more	ADV
fsr-3386	5	10	appropriately	appropriately	ADV
fsr-3386	5	11	relate	relate	VERB
fsr-3386	5	12	to	to	ADP
fsr-3386	5	13	financial	financial	ADJ
fsr-3386	5	14	planning	planning	NOUN
fsr-3386	5	15	issues	issue	NOUN
fsr-3386	5	16	.	.	PUNCT
fsr-3386	6	1	the	the	DET
fsr-3386	6	2	lead	lead	ADJ
fsr-3386	6	3	article	article	NOUN
fsr-3386	6	4	“	"	PUNCT
fsr-3386	6	5	what	what	PRON
fsr-3386	6	6	do	do	AUX
fsr-3386	6	7	financial	financial	ADJ
fsr-3386	6	8	planning	planning	NOUN
fsr-3386	6	9	organizations	organization	NOUN
fsr-3386	6	10	communicate	communicate	VERB
fsr-3386	6	11	to	to	ADP
fsr-3386	6	12	stakeholders	stakeholder	NOUN
fsr-3386	6	13	and	and	CCONJ
fsr-3386	6	14	consumers	consumer	NOUN
fsr-3386	6	15	?	?	PUNCT
fsr-3386	7	1	an	an	DET
fsr-3386	7	2	empirical	empirical	ADJ
fsr-3386	7	3	narrative	narrative	NOUN
fsr-3386	7	4	analysis	analysis	NOUN
fsr-3386	7	5	”	"	PUNCT
fsr-3386	7	6	is	be	AUX
fsr-3386	7	7	coauthored	coauthore	VERB
fsr-3386	7	8	by	by	ADP
fsr-3386	7	9	wookjae	wookjae	ADV
fsr-3386	7	10	at	at	ADP
fsr-3386	7	11	south	south	PROPN
fsr-3386	7	12	dakota	dakota	PROPN
fsr-3386	7	13	state	state	PROPN
fsr-3386	7	14	university	university	PROPN
fsr-3386	7	15	,	,	PUNCT
fsr-3386	7	16	heo	heo	PROPN
fsr-3386	7	17	,	,	PUNCT
fsr-3386	7	18	narang	narang	PROPN
fsr-3386	7	19	park	park	PROPN
fsr-3386	7	20	at	at	ADP
fsr-3386	7	21	university	university	PROPN
fsr-3386	7	22	of	of	ADP
fsr-3386	7	23	georgia	georgia	PROPN
fsr-3386	7	24	,	,	PUNCT
fsr-3386	7	25	robin	robin	PROPN
fsr-3386	7	26	henager	henager	ADV
fsr-3386	7	27	at	at	ADP
fsr-3386	7	28	whitworth	whitworth	PROPN
fsr-3386	7	29	university	university	PROPN
fsr-3386	7	30	,	,	PUNCT
fsr-3386	7	31	and	and	CCONJ
fsr-3386	7	32	john	john	PROPN
fsr-3386	7	33	e.	e.	PROPN
fsr-3386	7	34	grable	grable	PROPN
fsr-3386	7	35	at	at	ADP
fsr-3386	7	36	university	university	PROPN
fsr-3386	7	37	of	of	ADP
fsr-3386	7	38	georgia	georgia	PROPN
fsr-3386	7	39	.	.	PUNCT
fsr-3386	8	1	the	the	DET
fsr-3386	8	2	authors	author	NOUN
fsr-3386	8	3	examine	examine	VERB
fsr-3386	8	4	how	how	SCONJ
fsr-3386	8	5	the	the	DET
fsr-3386	8	6	financial	financial	ADJ
fsr-3386	8	7	organizations	organization	NOUN
fsr-3386	8	8	present	present	VERB
fsr-3386	8	9	relevant	relevant	ADJ
fsr-3386	8	10	information	information	NOUN
fsr-3386	8	11	to	to	ADP
fsr-3386	8	12	stakeholders	stakeholder	NOUN
fsr-3386	8	13	and	and	CCONJ
fsr-3386	8	14	consumers	consumer	NOUN
fsr-3386	8	15	and	and	CCONJ
fsr-3386	8	16	what	what	DET
fsr-3386	8	17	differences	difference	NOUN
fsr-3386	8	18	exist	exist	VERB
fsr-3386	8	19	between	between	ADP
fsr-3386	8	20	what	what	PRON
fsr-3386	8	21	organizations	organization	NOUN
fsr-3386	8	22	intend	intend	VERB
fsr-3386	8	23	to	to	PART
fsr-3386	8	24	deliver	deliver	VERB
fsr-3386	8	25	and	and	CCONJ
fsr-3386	8	26	what	what	PRON
fsr-3386	8	27	consumers	consumer	NOUN
fsr-3386	8	28	and	and	CCONJ
fsr-3386	8	29	stakeholders	stakeholder	NOUN
fsr-3386	8	30	perceive	perceive	ADJ
fsr-3386	8	31	from	from	ADP
fsr-3386	8	32	the	the	DET
fsr-3386	8	33	communication	communication	NOUN
fsr-3386	8	34	channels	channel	NOUN
fsr-3386	8	35	.	.	PUNCT
fsr-3386	9	1	using	use	VERB
fsr-3386	9	2	text	text	NOUN
fsr-3386	9	3	mining	mining	NOUN
fsr-3386	9	4	techniques	technique	NOUN
fsr-3386	9	5	,	,	PUNCT
fsr-3386	9	6	their	their	PRON
fsr-3386	9	7	results	result	NOUN
fsr-3386	9	8	show	show	VERB
fsr-3386	9	9	that	that	SCONJ
fsr-3386	9	10	financial	financial	ADJ
fsr-3386	9	11	planning	planning	NOUN
fsr-3386	9	12	organizations	organization	NOUN
fsr-3386	9	13	were	be	AUX
fsr-3386	9	14	successfully	successfully	ADV
fsr-3386	9	15	addressing	address	VERB
fsr-3386	9	16	their	their	PRON
fsr-3386	9	17	own	own	ADJ
fsr-3386	9	18	position	position	NOUN
fsr-3386	9	19	in	in	ADP
fsr-3386	9	20	the	the	DET
fsr-3386	9	21	financial	financial	ADJ
fsr-3386	9	22	planning	planning	NOUN
fsr-3386	9	23	profession	profession	NOUN
fsr-3386	9	24	;	;	PUNCT
fsr-3386	9	25	however	however	ADV
fsr-3386	9	26	,	,	PUNCT
fsr-3386	9	27	they	they	PRON
fsr-3386	9	28	were	be	AUX
fsr-3386	9	29	failing	fail	VERB
fsr-3386	9	30	to	to	PART
fsr-3386	9	31	communicate	communicate	VERB
fsr-3386	9	32	specifics	specific	NOUN
fsr-3386	9	33	about	about	ADP
fsr-3386	9	34	their	their	PRON
fsr-3386	9	35	value	value	NOUN
fsr-3386	9	36	to	to	ADP
fsr-3386	9	37	consumers	consumer	NOUN
fsr-3386	9	38	.	.	PUNCT
fsr-3386	10	1	the	the	DET
fsr-3386	10	2	second	second	ADJ
fsr-3386	10	3	article	article	NOUN
fsr-3386	10	4	“	"	PUNCT
fsr-3386	10	5	an	an	DET
fsr-3386	10	6	examination	examination	NOUN
fsr-3386	10	7	of	of	ADP
fsr-3386	10	8	the	the	DET
fsr-3386	10	9	federal	federal	ADJ
fsr-3386	10	10	employee	employee	NOUN
fsr-3386	10	11	retirement	retirement	NOUN
fsr-3386	10	12	system	system	NOUN
fsr-3386	10	13	(	(	PUNCT
fsr-3386	10	14	fers	fer	NOUN
fsr-3386	10	15	)	)	PUNCT
fsr-3386	10	16	survivor	survivor	NOUN
fsr-3386	10	17	annuity	annuity	NOUN
fsr-3386	10	18	benefit	benefit	NOUN
fsr-3386	10	19	”	"	PUNCT
fsr-3386	10	20	is	be	AUX
fsr-3386	10	21	coauthored	coauthore	VERB
fsr-3386	10	22	by	by	ADP
fsr-3386	10	23	kevin	kevin	PROPN
fsr-3386	10	24	davis	davis	PROPN
fsr-3386	10	25	at	at	ADP
fsr-3386	10	26	usaf	usaf	PROPN
fsr-3386	10	27	academy	academy	PROPN
fsr-3386	10	28	,	,	PUNCT
fsr-3386	10	29	steve	steve	PROPN
fsr-3386	10	30	p.	p.	PROPN
fsr-3386	10	31	fraser	fraser	PROPN
fsr-3386	11	1	at	at	ADP
fsr-3386	11	2	florida	florida	PROPN
fsr-3386	11	3	gulf	gulf	PROPN
fsr-3386	11	4	coast	coast	PROPN
fsr-3386	11	5	university	university	PROPN
fsr-3386	11	6	,	,	PUNCT
fsr-3386	11	7	and	and	CCONJ
fsr-3386	11	8	william	william	PROPN
fsr-3386	11	9	w.	w.	PROPN
fsr-3386	11	10	jennings	jennings	PROPN
fsr-3386	11	11	at	at	ADP
fsr-3386	11	12	usaf	usaf	PROPN
fsr-3386	11	13	academy	academy	PROPN
fsr-3386	11	14	.	.	PUNCT
fsr-3386	12	1	the	the	DET
fsr-3386	12	2	authors	author	NOUN
fsr-3386	12	3	present	present	VERB
fsr-3386	12	4	a	a	DET
fsr-3386	12	5	study	study	NOUN
fsr-3386	12	6	on	on	ADP
fsr-3386	12	7	the	the	DET
fsr-3386	12	8	federal	federal	ADJ
fsr-3386	12	9	employees	employee	NOUN
fsr-3386	12	10	retirement	retirement	NOUN
fsr-3386	12	11	system	system	NOUN
fsr-3386	12	12	(	(	PUNCT
fsr-3386	12	13	fers	fer	NOUN
fsr-3386	12	14	)	)	PUNCT
fsr-3386	12	15	which	which	PRON
fsr-3386	12	16	provides	provide	VERB
fsr-3386	12	17	survivor	survivor	NOUN
fsr-3386	12	18	annuity	annuity	NOUN
fsr-3386	12	19	benefits	benefit	NOUN
fsr-3386	12	20	for	for	ADP
fsr-3386	12	21	employees	employee	NOUN
fsr-3386	12	22	who	who	PRON
fsr-3386	12	23	forfeit	forfeit	VERB
fsr-3386	12	24	a	a	DET
fsr-3386	12	25	portion	portion	NOUN
fsr-3386	12	26	of	of	ADP
fsr-3386	12	27	their	their	PRON
fsr-3386	12	28	annuity	annuity	NOUN
fsr-3386	12	29	as	as	ADP
fsr-3386	12	30	a	a	DET
fsr-3386	12	31	premium	premium	NOUN
fsr-3386	12	32	.	.	PUNCT
fsr-3386	13	1	they	they	PRON
fsr-3386	13	2	develop	develop	VERB
fsr-3386	13	3	a	a	DET
fsr-3386	13	4	monte	monte	PROPN
fsr-3386	13	5	carlo	carlo	PROPN
fsr-3386	13	6	simulation	simulation	PROPN
fsr-3386	13	7	to	to	PART
fsr-3386	13	8	describe	describe	VERB
fsr-3386	13	9	the	the	DET
fsr-3386	13	10	distributions	distribution	NOUN
fsr-3386	13	11	and	and	CCONJ
fsr-3386	13	12	implied	imply	VERB
fsr-3386	13	13	internal	internal	ADJ
fsr-3386	13	14	rates	rate	NOUN
fsr-3386	13	15	of	of	ADP
fsr-3386	13	16	return	return	NOUN
fsr-3386	13	17	for	for	ADP
fsr-3386	13	18	fers	fer	NOUN
fsr-3386	13	19	annuitants	annuitant	NOUN
fsr-3386	13	20	who	who	PRON
fsr-3386	13	21	elect	elect	VERB
fsr-3386	13	22	a	a	DET
fsr-3386	13	23	joint	joint	ADJ
fsr-3386	13	24	and	and	CCONJ
fsr-3386	13	25	survivor	survivor	NOUN
fsr-3386	13	26	annuity	annuity	NOUN
fsr-3386	13	27	.	.	PUNCT
fsr-3386	14	1	their	their	PRON
fsr-3386	14	2	analysis	analysis	NOUN
fsr-3386	14	3	suggests	suggest	VERB
fsr-3386	14	4	that	that	SCONJ
fsr-3386	14	5	the	the	DET
fsr-3386	14	6	survivor	survivor	NOUN
fsr-3386	14	7	benefit	benefit	NOUN
fsr-3386	14	8	program	program	NOUN
fsr-3386	14	9	is	be	AUX
fsr-3386	14	10	quite	quite	ADV
fsr-3386	14	11	lucrative	lucrative	ADJ
fsr-3386	14	12	for	for	ADP
fsr-3386	14	13	most	most	ADJ
fsr-3386	14	14	male	male	ADJ
fsr-3386	14	15	retirees	retiree	NOUN
fsr-3386	14	16	.	.	PUNCT
fsr-3386	15	1	in	in	ADP
fsr-3386	15	2	contrast	contrast	NOUN
fsr-3386	15	3	,	,	PUNCT
fsr-3386	15	4	the	the	DET
fsr-3386	15	5	program	program	NOUN
fsr-3386	15	6	is	be	AUX
fsr-3386	15	7	less	less	ADV
fsr-3386	15	8	rewarding	rewarding	ADJ
fsr-3386	15	9	for	for	ADP
fsr-3386	15	10	female	female	ADJ
fsr-3386	15	11	retirees	retiree	NOUN
fsr-3386	15	12	,	,	PUNCT
fsr-3386	15	13	especially	especially	ADV
fsr-3386	15	14	if	if	SCONJ
fsr-3386	15	15	younger	young	ADJ
fsr-3386	15	16	than	than	ADP
fsr-3386	15	17	their	their	PRON
fsr-3386	15	18	spouse	spouse	NOUN
fsr-3386	15	19	.	.	PUNCT
fsr-3386	16	1	for	for	ADP
fsr-3386	16	2	many	many	ADJ
fsr-3386	16	3	female	female	ADJ
fsr-3386	16	4	retirees	retiree	NOUN
fsr-3386	16	5	,	,	PUNCT
fsr-3386	16	6	the	the	DET
fsr-3386	16	7	program	program	NOUN
fsr-3386	16	8	actually	actually	ADV
fsr-3386	16	9	produces	produce	VERB
fsr-3386	16	10	a	a	DET
fsr-3386	16	11	negative	negative	ADJ
fsr-3386	16	12	return	return	NOUN
fsr-3386	16	13	.	.	PUNCT
fsr-3386	17	1	the	the	DET
fsr-3386	17	2	third	third	ADJ
fsr-3386	17	3	article	article	NOUN
fsr-3386	17	4	,	,	PUNCT
fsr-3386	17	5	“	"	PUNCT
fsr-3386	17	6	a	a	DET
fsr-3386	17	7	framework	framework	NOUN
fsr-3386	17	8	for	for	ADP
fsr-3386	17	9	analyzing	analyze	VERB
fsr-3386	17	10	defined	define	VERB
fsr-3386	17	11	benefit	benefit	NOUN
fsr-3386	17	12	pension	pension	NOUN
fsr-3386	17	13	insurance	insurance	NOUN
fsr-3386	17	14	:	:	PUNCT
fsr-3386	17	15	the	the	DET
fsr-3386	17	16	survivor	survivor	NOUN
fsr-3386	17	17	benefit	benefit	NOUN
fsr-3386	17	18	plan	plan	NOUN
fsr-3386	17	19	for	for	ADP
fsr-3386	17	20	veterans	veteran	NOUN
fsr-3386	17	21	,	,	PUNCT
fsr-3386	17	22	”	"	PUNCT
fsr-3386	17	23	is	be	AUX
fsr-3386	17	24	coauthored	coauthore	VERB
fsr-3386	17	25	by	by	ADP
fsr-3386	17	26	william	william	PROPN
fsr-3386	17	27	w.	w.	PROPN
fsr-3386	17	28	jennings	jennings	PROPN
fsr-3386	17	29	at	at	ADP
fsr-3386	17	30	united	united	PROPN
fsr-3386	17	31	states	states	PROPN
fsr-3386	17	32	air	air	PROPN
fsr-3386	17	33	force	force	PROPN
fsr-3386	17	34	academy	academy	PROPN
fsr-3386	17	35	,	,	PUNCT
fsr-3386	17	36	jeffrey	jeffrey	PROPN
fsr-3386	17	37	c.	c.	PROPN
fsr-3386	17	38	merrell	merrell	PROPN
fsr-3386	17	39	at	at	ADP
fsr-3386	17	40	university	university	PROPN
fsr-3386	17	41	of	of	ADP
fsr-3386	17	42	colorado	colorado	PROPN
fsr-3386	17	43	,	,	PUNCT
fsr-3386	17	44	boulder	boulder	PROPN
fsr-3386	17	45	,	,	PUNCT
fsr-3386	17	46	thomas	thomas	PROPN
fsr-3386	17	47	c.	c.	PROPN
fsr-3386	17	48	o’malley	o’malley	PROPN
fsr-3386	17	49	at	at	ADP
fsr-3386	17	50	united	united	PROPN
fsr-3386	17	51	states	states	PROPN
fsr-3386	17	52	air	air	PROPN
fsr-3386	17	53	force	force	PROPN
fsr-3386	17	54	academy	academy	PROPN
fsr-3386	17	55	,	,	PUNCT
fsr-3386	17	56	and	and	CCONJ
fsr-3386	17	57	brian	brian	PROPN
fsr-3386	17	58	c.	c.	PROPN
fsr-3386	17	59	payne	payne	PROPN
fsr-3386	17	60	at	at	ADP
fsr-3386	17	61	university	university	PROPN
fsr-3386	17	62	of	of	ADP
fsr-3386	17	63	colorado	colorado	PROPN
fsr-3386	17	64	,	,	PUNCT
fsr-3386	17	65	colorado	colorado	PROPN
fsr-3386	17	66	springs	spring	NOUN
fsr-3386	17	67	.	.	PUNCT
fsr-3386	18	1	in	in	ADP
fsr-3386	18	2	this	this	DET
fsr-3386	18	3	study	study	NOUN
fsr-3386	18	4	,	,	PUNCT
fsr-3386	18	5	the	the	DET
fsr-3386	18	6	authors	author	NOUN
fsr-3386	18	7	present	present	VERB
fsr-3386	18	8	a	a	DET
fsr-3386	18	9	framework	framework	NOUN
fsr-3386	18	10	for	for	ADP
fsr-3386	18	11	making	make	VERB
fsr-3386	18	12	a	a	DET
fsr-3386	18	13	pension	pension	NOUN
fsr-3386	18	14	insurance	insurance	NOUN
fsr-3386	18	15	method	method	NOUN
fsr-3386	18	16	decision	decision	NOUN
fsr-3386	18	17	for	for	ADP
fsr-3386	18	18	us	us	PROPN
fsr-3386	18	19	military	military	ADJ
fsr-3386	18	20	veterans	veteran	NOUN
fsr-3386	18	21	’	’	PART
fsr-3386	18	22	survivor	survivor	NOUN
fsr-3386	18	23	benefit	benefit	NOUN
fsr-3386	18	24	plan	plan	NOUN
fsr-3386	18	25	(	(	PUNCT
fsr-3386	18	26	sbp	sbp	NOUN
fsr-3386	18	27	)	)	PUNCT
fsr-3386	18	28	.	.	PUNCT
fsr-3386	19	1	they	they	PRON
fsr-3386	19	2	find	find	VERB
fsr-3386	19	3	that	that	SCONJ
fsr-3386	19	4	federal	federal	ADJ
fsr-3386	19	5	government	government	NOUN
fsr-3386	19	6	subsidies	subsidy	NOUN
fsr-3386	19	7	generate	generate	VERB
fsr-3386	19	8	a	a	DET
fsr-3386	19	9	positive	positive	ADJ
fsr-3386	19	10	expected	expect	VERB
fsr-3386	19	11	net	net	ADJ
fsr-3386	19	12	payout	payout	NOUN
fsr-3386	19	13	for	for	ADP
fsr-3386	19	14	financial	financial	ADJ
fsr-3386	19	15	services	service	NOUN
fsr-3386	19	16	review	review	VERB
fsr-3386	19	17	27	27	NUM
fsr-3386	19	18	(	(	PUNCT
fsr-3386	19	19	2018	2018	NUM
fsr-3386	19	20	)	)	PUNCT
fsr-3386	19	21	v	v	NOUN
fsr-3386	19	22	–	–	PUNCT
fsr-3386	19	23	vi	vi	NOUN
fsr-3386	19	24	1057	1057	NUM
fsr-3386	19	25	-	-	SYM
fsr-3386	19	26	0810/18/$	0810/18/$	NUM
fsr-3386	19	27	–	–	PUNCT
fsr-3386	19	28	see	see	VERB
fsr-3386	19	29	front	front	ADJ
fsr-3386	19	30	matter	matter	NOUN
fsr-3386	19	31	©	©	PROPN
fsr-3386	19	32	2018	2018	NUM
fsr-3386	19	33	academy	academy	NOUN
fsr-3386	19	34	of	of	ADP
fsr-3386	19	35	financial	financial	ADJ
fsr-3386	19	36	services	service	NOUN
fsr-3386	19	37	.	.	PUNCT
fsr-3386	20	1	all	all	DET
fsr-3386	20	2	rights	right	NOUN
fsr-3386	20	3	reserved	reserve	VERB
fsr-3386	20	4	.	.	PUNCT
fsr-3386	21	1	sbp	sbp	PROPN
fsr-3386	21	2	.	.	PUNCT
fsr-3386	22	1	while	while	SCONJ
fsr-3386	22	2	insurance	insurance	NOUN
fsr-3386	22	3	outcomes	outcome	NOUN
fsr-3386	22	4	are	be	AUX
fsr-3386	22	5	typically	typically	ADV
fsr-3386	22	6	skewed	skewed	ADJ
fsr-3386	22	7	,	,	PUNCT
fsr-3386	22	8	they	they	PRON
fsr-3386	22	9	show	show	VERB
fsr-3386	22	10	the	the	DET
fsr-3386	22	11	asymmetry	asymmetry	NOUN
fsr-3386	22	12	of	of	ADP
fsr-3386	22	13	sbp	sbp	NOUN
fsr-3386	22	14	outcomes	outcome	NOUN
fsr-3386	22	15	.	.	PUNCT
fsr-3386	23	1	they	they	PRON
fsr-3386	23	2	describe	describe	VERB
fsr-3386	23	3	a	a	DET
fsr-3386	23	4	scenario	scenario	NOUN
fsr-3386	23	5	where	where	SCONJ
fsr-3386	23	6	5	5	NUM
fsr-3386	23	7	%	%	NOUN
fsr-3386	23	8	of	of	ADP
fsr-3386	23	9	participants	participant	NOUN
fsr-3386	23	10	receive	receive	VERB
fsr-3386	23	11	60	60	NUM
fsr-3386	23	12	%	%	NOUN
fsr-3386	23	13	of	of	ADP
fsr-3386	23	14	benefits	benefit	NOUN
fsr-3386	23	15	.	.	PUNCT
fsr-3386	24	1	an	an	DET
fsr-3386	24	2	alternative	alternative	ADJ
fsr-3386	24	3	financial	financial	ADJ
fsr-3386	24	4	planning	planning	NOUN
fsr-3386	24	5	approach	approach	NOUN
fsr-3386	24	6	incorporates	incorporate	VERB
fsr-3386	24	7	private	private	ADJ
fsr-3386	24	8	insurance	insurance	NOUN
fsr-3386	24	9	and	and	CCONJ
fsr-3386	24	10	investments	investment	NOUN
fsr-3386	24	11	and	and	CCONJ
fsr-3386	24	12	often	often	ADV
fsr-3386	24	13	bests	best	VERB
fsr-3386	24	14	the	the	DET
fsr-3386	24	15	sbp	sbp	NOUN
fsr-3386	24	16	,	,	PUNCT
fsr-3386	24	17	when	when	SCONJ
fsr-3386	24	18	utilizing	utilize	VERB
fsr-3386	24	19	actuarially	actuarially	ADV
fsr-3386	24	20	-	-	PUNCT
fsr-3386	24	21	correct	correct	ADJ
fsr-3386	24	22	life	life	NOUN
fsr-3386	24	23	expectancy	expectancy	NOUN
fsr-3386	24	24	,	,	PUNCT
fsr-3386	24	25	moral	moral	ADJ
fsr-3386	24	26	hazard	hazard	NOUN
fsr-3386	24	27	,	,	PUNCT
fsr-3386	24	28	taxes	taxis	NOUN
fsr-3386	24	29	,	,	PUNCT
fsr-3386	24	30	and	and	CCONJ
fsr-3386	24	31	individual	individual	ADJ
fsr-3386	24	32	financial	financial	ADJ
fsr-3386	24	33	needs	need	NOUN
fsr-3386	24	34	.	.	PUNCT
fsr-3386	25	1	the	the	DET
fsr-3386	25	2	fourth	fourth	ADJ
fsr-3386	25	3	article	article	NOUN
fsr-3386	25	4	,	,	PUNCT
fsr-3386	25	5	“	"	PUNCT
fsr-3386	25	6	who	who	PRON
fsr-3386	25	7	uses	use	VERB
fsr-3386	25	8	robo	robo	NOUN
fsr-3386	25	9	-	-	PUNCT
fsr-3386	25	10	advisory	advisory	ADJ
fsr-3386	25	11	services	service	NOUN
fsr-3386	25	12	,	,	PUNCT
fsr-3386	25	13	and	and	CCONJ
fsr-3386	25	14	who	who	PRON
fsr-3386	25	15	does	do	VERB
fsr-3386	25	16	not	not	PART
fsr-3386	25	17	?	?	PUNCT
fsr-3386	25	18	”	"	PUNCT
fsr-3386	25	19	is	be	AUX
fsr-3386	25	20	coauthored	coauthore	VERB
fsr-3386	25	21	by	by	ADP
fsr-3386	25	22	martha	martha	PROPN
fsr-3386	25	23	fulk	fulk	PROPN
fsr-3386	25	24	,	,	PUNCT
fsr-3386	25	25	john	john	PROPN
fsr-3386	25	26	e.	e.	PROPN
fsr-3386	25	27	grable	grable	PROPN
fsr-3386	25	28	,	,	PUNCT
fsr-3386	25	29	kimberly	kimberly	PROPN
fsr-3386	25	30	watkins	watkins	PROPN
fsr-3386	25	31	,	,	PUNCT
fsr-3386	25	32	and	and	CCONJ
fsr-3386	25	33	michelle	michelle	PROPN
fsr-3386	25	34	kruger	kruger	PROPN
fsr-3386	25	35	all	all	PRON
fsr-3386	25	36	at	at	ADP
fsr-3386	25	37	university	university	PROPN
fsr-3386	25	38	of	of	ADP
fsr-3386	25	39	georgia	georgia	PROPN
fsr-3386	25	40	.	.	PUNCT
fsr-3386	26	1	the	the	DET
fsr-3386	26	2	authors	author	NOUN
fsr-3386	26	3	compare	compare	VERB
fsr-3386	26	4	the	the	DET
fsr-3386	26	5	demographic	demographic	ADJ
fsr-3386	26	6	,	,	PUNCT
fsr-3386	26	7	attitudinal	attitudinal	ADJ
fsr-3386	26	8	,	,	PUNCT
fsr-3386	26	9	and	and	CCONJ
fsr-3386	26	10	behavioral	behavioral	ADJ
fsr-3386	26	11	characteristics	characteristic	NOUN
fsr-3386	26	12	of	of	ADP
fsr-3386	26	13	us	we	PRON
fsr-3386	26	14	consumers	consumer	NOUN
fsr-3386	26	15	in	in	ADP
fsr-3386	26	16	their	their	PRON
fsr-3386	26	17	current	current	ADJ
fsr-3386	26	18	and	and	CCONJ
fsr-3386	26	19	expected	expect	VERB
fsr-3386	26	20	use	use	NOUN
fsr-3386	26	21	of	of	ADP
fsr-3386	26	22	robo	robo	NOUN
fsr-3386	26	23	-	-	PUNCT
fsr-3386	26	24	advisory	advisory	ADJ
fsr-3386	26	25	services	service	NOUN
fsr-3386	26	26	,	,	PUNCT
fsr-3386	26	27	traditional	traditional	ADJ
fsr-3386	26	28	financial	financial	ADJ
fsr-3386	26	29	planning	planning	NOUN
fsr-3386	26	30	services	service	NOUN
fsr-3386	26	31	,	,	PUNCT
fsr-3386	26	32	or	or	CCONJ
fsr-3386	26	33	a	a	DET
fsr-3386	26	34	combination	combination	NOUN
fsr-3386	26	35	of	of	ADP
fsr-3386	26	36	the	the	DET
fsr-3386	26	37	two	two	NUM
fsr-3386	26	38	.	.	PUNCT
fsr-3386	27	1	their	their	PRON
fsr-3386	27	2	findings	finding	NOUN
fsr-3386	27	3	show	show	VERB
fsr-3386	27	4	a	a	DET
fsr-3386	27	5	difference	difference	NOUN
fsr-3386	27	6	between	between	ADP
fsr-3386	27	7	those	those	PRON
fsr-3386	27	8	who	who	PRON
fsr-3386	27	9	used	use	VERB
fsr-3386	27	10	robo	robo	NOUN
fsr-3386	27	11	-	-	PUNCT
fsr-3386	27	12	advisory	advisory	NOUN
fsr-3386	27	13	services	service	NOUN
fsr-3386	27	14	and	and	CCONJ
fsr-3386	27	15	those	those	PRON
fsr-3386	27	16	who	who	PRON
fsr-3386	27	17	used	use	VERB
fsr-3386	27	18	traditional	traditional	ADJ
fsr-3386	27	19	financial	financial	ADJ
fsr-3386	27	20	planning	planning	NOUN
fsr-3386	27	21	services	service	NOUN
fsr-3386	27	22	.	.	PUNCT
fsr-3386	28	1	overall	overall	ADV
fsr-3386	28	2	,	,	PUNCT
fsr-3386	28	3	those	those	PRON
fsr-3386	28	4	who	who	PRON
fsr-3386	28	5	used	use	VERB
fsr-3386	28	6	a	a	DET
fsr-3386	28	7	traditional	traditional	ADJ
fsr-3386	28	8	financial	financial	ADJ
fsr-3386	28	9	planner	planner	NOUN
fsr-3386	28	10	were	be	AUX
fsr-3386	28	11	older	old	ADJ
fsr-3386	28	12	and	and	CCONJ
fsr-3386	28	13	reported	report	VERB
fsr-3386	28	14	higher	high	ADJ
fsr-3386	28	15	levels	level	NOUN
fsr-3386	28	16	of	of	ADP
fsr-3386	28	17	net	net	ADJ
fsr-3386	28	18	worth	worth	NOUN
fsr-3386	28	19	.	.	PUNCT
fsr-3386	29	1	additionally	additionally	ADV
fsr-3386	29	2	,	,	PUNCT
fsr-3386	29	3	they	they	PRON
fsr-3386	29	4	find	find	VERB
fsr-3386	29	5	those	those	PRON
fsr-3386	29	6	who	who	PRON
fsr-3386	29	7	used	use	VERB
fsr-3386	29	8	traditional	traditional	ADJ
fsr-3386	29	9	financial	financial	ADJ
fsr-3386	29	10	planning	planning	NOUN
fsr-3386	29	11	services	service	NOUN
fsr-3386	29	12	reported	report	VERB
fsr-3386	29	13	a	a	DET
fsr-3386	29	14	larger	large	ADJ
fsr-3386	29	15	percentage	percentage	NOUN
fsr-3386	29	16	of	of	ADP
fsr-3386	29	17	their	their	PRON
fsr-3386	29	18	total	total	ADJ
fsr-3386	29	19	net	net	ADJ
fsr-3386	29	20	worth	worth	NOUN
fsr-3386	29	21	from	from	ADP
fsr-3386	29	22	an	an	DET
fsr-3386	29	23	inheritance	inheritance	NOUN
fsr-3386	29	24	,	,	PUNCT
fsr-3386	29	25	and	and	CCONJ
fsr-3386	29	26	users	user	NOUN
fsr-3386	29	27	of	of	ADP
fsr-3386	29	28	robo	robo	NOUN
fsr-3386	29	29	-	-	PUNCT
fsr-3386	29	30	advisory	advisory	ADJ
fsr-3386	29	31	services	service	NOUN
fsr-3386	29	32	generally	generally	ADV
fsr-3386	29	33	(	(	PUNCT
fsr-3386	29	34	a	a	X
fsr-3386	29	35	)	)	PUNCT
fsr-3386	29	36	had	have	VERB
fsr-3386	29	37	lower	low	ADJ
fsr-3386	29	38	income	income	NOUN
fsr-3386	29	39	,	,	PUNCT
fsr-3386	29	40	(	(	PUNCT
fsr-3386	29	41	b	b	X
fsr-3386	29	42	)	)	PUNCT
fsr-3386	29	43	had	have	VERB
fsr-3386	29	44	lower	low	ADJ
fsr-3386	29	45	net	net	ADJ
fsr-3386	29	46	worth	worth	NOUN
fsr-3386	29	47	,	,	PUNCT
fsr-3386	29	48	(	(	PUNCT
fsr-3386	29	49	c	c	X
fsr-3386	29	50	)	)	PUNCT
fsr-3386	29	51	had	have	AUX
fsr-3386	29	52	received	receive	VERB
fsr-3386	29	53	no	no	DET
fsr-3386	29	54	or	or	CCONJ
fsr-3386	29	55	less	less	ADJ
fsr-3386	29	56	inheritance	inheritance	NOUN
fsr-3386	29	57	,	,	PUNCT
fsr-3386	29	58	and	and	CCONJ
fsr-3386	29	59	(	(	PUNCT
fsr-3386	29	60	d	d	X
fsr-3386	29	61	)	)	PUNCT
fsr-3386	29	62	were	be	AUX
fsr-3386	29	63	less	less	ADV
fsr-3386	29	64	impulsive	impulsive	ADJ
fsr-3386	29	65	financially	financially	ADV
fsr-3386	29	66	.	.	PUNCT
fsr-3386	30	1	the	the	DET
fsr-3386	30	2	final	final	ADJ
fsr-3386	30	3	article	article	NOUN
fsr-3386	30	4	,	,	PUNCT
fsr-3386	30	5	“	"	PUNCT
fsr-3386	30	6	risk	risk	NOUN
fsr-3386	30	7	and	and	CCONJ
fsr-3386	30	8	uncertainty	uncertainty	NOUN
fsr-3386	30	9	in	in	ADP
fsr-3386	30	10	style	style	NOUN
fsr-3386	30	11	rotation	rotation	NOUN
fsr-3386	30	12	”	"	PUNCT
fsr-3386	30	13	is	be	AUX
fsr-3386	30	14	authored	author	VERB
fsr-3386	30	15	by	by	ADP
fsr-3386	30	16	timothy	timothy	PROPN
fsr-3386	30	17	a.	a.	PROPN
fsr-3386	30	18	krause	krause	PROPN
fsr-3386	30	19	at	at	ADP
fsr-3386	30	20	penn	penn	PROPN
fsr-3386	30	21	state	state	PROPN
fsr-3386	30	22	,	,	PUNCT
fsr-3386	30	23	behrend	behrend	ADJ
fsr-3386	30	24	.	.	PUNCT
fsr-3386	31	1	the	the	DET
fsr-3386	31	2	author	author	NOUN
fsr-3386	31	3	states	state	VERB
fsr-3386	31	4	the	the	DET
fsr-3386	31	5	cboe	cboe	PROPN
fsr-3386	31	6	®	®	PROPN
fsr-3386	31	7	vix	vix	PROPN
fsr-3386	31	8	(	(	PUNCT
fsr-3386	31	9	volatility	volatility	NOUN
fsr-3386	31	10	)	)	PUNCT
fsr-3386	31	11	index	index	NOUN
fsr-3386	31	12	has	have	AUX
fsr-3386	31	13	been	be	AUX
fsr-3386	31	14	established	establish	VERB
fsr-3386	31	15	as	as	ADP
fsr-3386	31	16	an	an	DET
fsr-3386	31	17	indicator	indicator	NOUN
fsr-3386	31	18	of	of	ADP
fsr-3386	31	19	style	style	NOUN
fsr-3386	31	20	returns	return	NOUN
fsr-3386	31	21	because	because	SCONJ
fsr-3386	31	22	increases	increase	NOUN
fsr-3386	31	23	in	in	ADP
fsr-3386	31	24	this	this	DET
fsr-3386	31	25	“	"	PUNCT
fsr-3386	31	26	fear	fear	NOUN
fsr-3386	31	27	index	index	NOUN
fsr-3386	31	28	”	"	PUNCT
fsr-3386	31	29	lead	lead	NOUN
fsr-3386	31	30	to	to	ADP
fsr-3386	31	31	outperformance	outperformance	NOUN
fsr-3386	31	32	of	of	ADP
fsr-3386	31	33	“	"	PUNCT
fsr-3386	31	34	value	value	NOUN
fsr-3386	31	35	”	"	PUNCT
fsr-3386	31	36	vs	vs	ADP
fsr-3386	31	37	“	"	PUNCT
fsr-3386	31	38	growth	growth	NOUN
fsr-3386	31	39	”	"	PUNCT
fsr-3386	31	40	stocks	stock	NOUN
fsr-3386	31	41	.	.	PUNCT
fsr-3386	32	1	in	in	ADP
fsr-3386	32	2	this	this	DET
fsr-3386	32	3	paper	paper	NOUN
fsr-3386	32	4	,	,	PUNCT
fsr-3386	32	5	the	the	DET
fsr-3386	32	6	author	author	NOUN
fsr-3386	32	7	introduces	introduce	VERB
fsr-3386	32	8	the	the	DET
fsr-3386	32	9	concept	concept	NOUN
fsr-3386	32	10	of	of	ADP
fsr-3386	32	11	“	"	PUNCT
fsr-3386	32	12	uncertainty	uncertainty	NOUN
fsr-3386	32	13	”	"	PUNCT
fsr-3386	32	14	as	as	ADP
fsr-3386	32	15	an	an	DET
fsr-3386	32	16	additional	additional	ADJ
fsr-3386	32	17	indicator	indicator	NOUN
fsr-3386	32	18	of	of	ADP
fsr-3386	32	19	returns	return	NOUN
fsr-3386	32	20	to	to	ADP
fsr-3386	32	21	value	value	NOUN
fsr-3386	32	22	,	,	PUNCT
fsr-3386	32	23	as	as	SCONJ
fsr-3386	32	24	measured	measure	VERB
fsr-3386	32	25	by	by	ADP
fsr-3386	32	26	the	the	DET
fsr-3386	32	27	cboe	cboe	PROPN
fsr-3386	32	28	®	®	PROPN
fsr-3386	32	29	vvix	vvix	NOUN
fsr-3386	32	30	(	(	PUNCT
fsr-3386	32	31	“	"	PUNCT
fsr-3386	32	32	volatility	volatility	NOUN
fsr-3386	32	33	of	of	ADP
fsr-3386	32	34	volatility	volatility	NOUN
fsr-3386	32	35	”	"	PUNCT
fsr-3386	32	36	)	)	PUNCT
fsr-3386	32	37	.	.	PUNCT
fsr-3386	33	1	his	his	PRON
fsr-3386	33	2	research	research	NOUN
fsr-3386	33	3	shows	show	VERB
fsr-3386	33	4	that	that	SCONJ
fsr-3386	33	5	increases	increase	VERB
fsr-3386	33	6	in	in	ADP
fsr-3386	33	7	expected	expect	VERB
fsr-3386	33	8	volatility	volatility	NOUN
fsr-3386	33	9	lead	lead	VERB
fsr-3386	33	10	to	to	ADP
fsr-3386	33	11	short	short	ADJ
fsr-3386	33	12	-	-	PUNCT
fsr-3386	33	13	term	term	NOUN
fsr-3386	33	14	positive	positive	ADJ
fsr-3386	33	15	returns	return	NOUN
fsr-3386	33	16	to	to	ADP
fsr-3386	33	17	value	value	NOUN
fsr-3386	33	18	,	,	PUNCT
fsr-3386	33	19	while	while	SCONJ
fsr-3386	33	20	increases	increase	NOUN
fsr-3386	33	21	in	in	ADP
fsr-3386	33	22	uncertainty	uncertainty	NOUN
fsr-3386	33	23	lead	lead	VERB
fsr-3386	33	24	to	to	ADP
fsr-3386	33	25	negative	negative	ADJ
fsr-3386	33	26	short	short	ADJ
fsr-3386	33	27	-	-	PUNCT
fsr-3386	33	28	term	term	NOUN
fsr-3386	33	29	returns	return	NOUN
fsr-3386	33	30	to	to	ADP
fsr-3386	33	31	value	value	NOUN
fsr-3386	33	32	.	.	PUNCT
fsr-3386	34	1	he	he	PRON
fsr-3386	34	2	also	also	ADV
fsr-3386	34	3	observes	observe	VERB
fsr-3386	34	4	that	that	SCONJ
fsr-3386	34	5	these	these	PRON
fsr-3386	34	6	are	be	AUX
fsr-3386	34	7	especially	especially	ADV
fsr-3386	34	8	strong	strong	ADJ
fsr-3386	34	9	during	during	ADP
fsr-3386	34	10	economic	economic	ADJ
fsr-3386	34	11	downturns	downturn	NOUN
fsr-3386	34	12	and	and	CCONJ
fsr-3386	34	13	following	follow	VERB
fsr-3386	34	14	decreases	decrease	NOUN
fsr-3386	34	15	in	in	ADP
fsr-3386	34	16	the	the	DET
fsr-3386	34	17	vix	vix	PROPN
fsr-3386	34	18	index	index	NOUN
fsr-3386	34	19	.	.	PUNCT
fsr-3386	35	1	thanks	thank	NOUN
fsr-3386	35	2	to	to	ADP
fsr-3386	35	3	those	those	PRON
fsr-3386	35	4	who	who	PRON
fsr-3386	35	5	make	make	VERB
fsr-3386	35	6	the	the	DET
fsr-3386	35	7	journal	journal	NOUN
fsr-3386	35	8	possible	possible	ADJ
fsr-3386	35	9	,	,	PUNCT
fsr-3386	35	10	especially	especially	ADV
fsr-3386	35	11	the	the	DET
fsr-3386	35	12	referees	referee	NOUN
fsr-3386	35	13	and	and	CCONJ
fsr-3386	35	14	contributing	contribute	VERB
fsr-3386	35	15	authors	author	NOUN
fsr-3386	35	16	.	.	PUNCT
fsr-3386	36	1	over	over	ADP
fsr-3386	36	2	the	the	DET
fsr-3386	36	3	past	past	ADJ
fsr-3386	36	4	year	year	NOUN
fsr-3386	36	5	,	,	PUNCT
fsr-3386	36	6	the	the	DET
fsr-3386	36	7	following	follow	VERB
fsr-3386	36	8	reviewers	reviewer	NOUN
fsr-3386	36	9	provided	provide	VERB
fsr-3386	36	10	excellent	excellent	ADJ
fsr-3386	36	11	reviews	review	NOUN
fsr-3386	36	12	of	of	ADP
fsr-3386	36	13	the	the	DET
fsr-3386	36	14	articles	article	NOUN
fsr-3386	36	15	you	you	PRON
fsr-3386	36	16	enjoyed	enjoy	VERB
fsr-3386	36	17	within	within	ADP
fsr-3386	36	18	the	the	DET
fsr-3386	36	19	pages	page	NOUN
fsr-3386	36	20	of	of	ADP
fsr-3386	36	21	financial	financial	ADJ
fsr-3386	36	22	services	service	NOUN
fsr-3386	36	23	review	review	NOUN
fsr-3386	36	24	.	.	PUNCT
fsr-3386	37	1	i	i	PRON
fsr-3386	37	2	would	would	AUX
fsr-3386	37	3	like	like	VERB
fsr-3386	37	4	to	to	PART
fsr-3386	37	5	send	send	VERB
fsr-3386	37	6	a	a	DET
fsr-3386	37	7	special	special	ADJ
fsr-3386	37	8	thank	thank	NOUN
fsr-3386	37	9	you	you	PRON
fsr-3386	37	10	to	to	ADP
fsr-3386	37	11	the	the	DET
fsr-3386	37	12	many	many	ADJ
fsr-3386	37	13	reviewers	reviewer	NOUN
fsr-3386	37	14	that	that	PRON
fsr-3386	37	15	have	have	AUX
fsr-3386	37	16	significantly	significantly	ADV
fsr-3386	37	17	contributed	contribute	VERB
fsr-3386	37	18	to	to	ADP
fsr-3386	37	19	the	the	DET
fsr-3386	37	20	quality	quality	NOUN
fsr-3386	37	21	of	of	ADP
fsr-3386	37	22	our	our	PRON
fsr-3386	37	23	journal	journal	NOUN
fsr-3386	37	24	by	by	ADP
fsr-3386	37	25	providing	provide	VERB
fsr-3386	37	26	timely	timely	ADJ
fsr-3386	37	27	and	and	CCONJ
fsr-3386	37	28	thorough	thorough	ADJ
fsr-3386	37	29	reviews	review	NOUN
fsr-3386	37	30	of	of	ADP
fsr-3386	37	31	the	the	DET
fsr-3386	37	32	submissions	submission	NOUN
fsr-3386	37	33	to	to	ADP
fsr-3386	37	34	our	our	PRON
fsr-3386	37	35	journal	journal	NOUN
fsr-3386	37	36	.	.	PUNCT
fsr-3386	38	1	please	please	INTJ
fsr-3386	38	2	consider	consider	VERB
fsr-3386	38	3	submission	submission	NOUN
fsr-3386	38	4	to	to	ADP
fsr-3386	38	5	the	the	DET
fsr-3386	38	6	financial	financial	ADJ
fsr-3386	38	7	services	service	NOUN
fsr-3386	38	8	review	review	NOUN
fsr-3386	38	9	and	and	CCONJ
fsr-3386	38	10	rely	rely	VERB
fsr-3386	38	11	on	on	ADP
fsr-3386	38	12	the	the	DET
fsr-3386	38	13	style	style	NOUN
fsr-3386	38	14	information	information	NOUN
fsr-3386	38	15	provided	provide	VERB
fsr-3386	38	16	to	to	PART
fsr-3386	38	17	ease	ease	VERB
fsr-3386	38	18	readability	readability	NOUN
fsr-3386	38	19	and	and	CCONJ
fsr-3386	38	20	streamline	streamline	VERB
fsr-3386	38	21	the	the	DET
fsr-3386	38	22	review	review	NOUN
fsr-3386	38	23	process	process	NOUN
fsr-3386	38	24	.	.	PUNCT
fsr-3386	39	1	the	the	DET
fsr-3386	39	2	journal	journal	NOUN
fsr-3386	39	3	welcomes	welcome	VERB
fsr-3386	39	4	articles	article	NOUN
fsr-3386	39	5	over	over	ADP
fsr-3386	39	6	the	the	DET
fsr-3386	39	7	range	range	NOUN
fsr-3386	39	8	of	of	ADP
fsr-3386	39	9	areas	area	NOUN
fsr-3386	39	10	that	that	PRON
fsr-3386	39	11	comprise	comprise	VERB
fsr-3386	39	12	personal	personal	ADJ
fsr-3386	39	13	financial	financial	ADJ
fsr-3386	39	14	planning	planning	NOUN
fsr-3386	39	15	.	.	PUNCT
fsr-3386	40	1	while	while	SCONJ
fsr-3386	40	2	fsr	fsr	PROPN
fsr-3386	40	3	articles	article	NOUN
fsr-3386	40	4	are	be	AUX
fsr-3386	40	5	certainly	certainly	ADV
fsr-3386	40	6	diverse	diverse	ADJ
fsr-3386	40	7	in	in	ADP
fsr-3386	40	8	terms	term	NOUN
fsr-3386	40	9	of	of	ADP
fsr-3386	40	10	topic	topic	NOUN
fsr-3386	40	11	,	,	PUNCT
fsr-3386	40	12	data	datum	NOUN
fsr-3386	40	13	,	,	PUNCT
fsr-3386	40	14	and	and	CCONJ
fsr-3386	40	15	method	method	NOUN
fsr-3386	40	16	,	,	PUNCT
fsr-3386	40	17	they	they	PRON
fsr-3386	40	18	are	be	AUX
fsr-3386	40	19	focused	focus	VERB
fsr-3386	40	20	in	in	ADP
fsr-3386	40	21	terms	term	NOUN
fsr-3386	40	22	of	of	ADP
fsr-3386	40	23	motivation	motivation	NOUN
fsr-3386	40	24	.	.	PUNCT
fsr-3386	41	1	fsr	fsr	PROPN
fsr-3386	41	2	exists	exist	VERB
fsr-3386	41	3	to	to	PART
fsr-3386	41	4	produce	produce	VERB
fsr-3386	41	5	research	research	NOUN
fsr-3386	41	6	that	that	PRON
fsr-3386	41	7	addresses	address	VERB
fsr-3386	41	8	issues	issue	NOUN
fsr-3386	41	9	that	that	PRON
fsr-3386	41	10	matter	matter	VERB
fsr-3386	41	11	to	to	ADP
fsr-3386	41	12	individuals	individual	NOUN
fsr-3386	41	13	.	.	PUNCT
fsr-3386	42	1	i	i	PRON
fsr-3386	42	2	remain	remain	VERB
fsr-3386	42	3	committed	committed	ADJ
fsr-3386	42	4	to	to	ADP
fsr-3386	42	5	the	the	DET
fsr-3386	42	6	goal	goal	NOUN
fsr-3386	42	7	of	of	ADP
fsr-3386	42	8	making	make	VERB
fsr-3386	42	9	financial	financial	ADJ
fsr-3386	42	10	services	service	NOUN
fsr-3386	42	11	review	review	VERB
fsr-3386	42	12	the	the	DET
fsr-3386	42	13	best	good	ADJ
fsr-3386	42	14	academic	academic	ADJ
fsr-3386	42	15	journal	journal	NOUN
fsr-3386	42	16	in	in	ADP
fsr-3386	42	17	individual	individual	ADJ
fsr-3386	42	18	financial	financial	ADJ
fsr-3386	42	19	management	management	NOUN
fsr-3386	42	20	and	and	CCONJ
fsr-3386	42	21	personal	personal	ADJ
fsr-3386	42	22	financial	financial	ADJ
fsr-3386	42	23	planning	planning	NOUN
fsr-3386	42	24	.	.	PUNCT
fsr-3386	43	1	best	good	ADJ
fsr-3386	43	2	regards	regard	VERB
fsr-3386	43	3	,	,	PUNCT
fsr-3386	43	4	stuart	stuart	PROPN
fsr-3386	43	5	michelson	michelson	PROPN
fsr-3386	43	6	editor	editor	PROPN
fsr-3386	43	7	financial	financial	PROPN
fsr-3386	43	8	services	services	PROPN
fsr-3386	43	9	review	review	VERB
fsr-3386	43	10	vi	vi	PROPN
fsr-3386	43	11	editorial	editorial	NOUN
fsr-3386	43	12	/	/	SYM
fsr-3386	43	13	financial	financial	ADJ
fsr-3386	43	14	services	service	NOUN
fsr-3386	43	15	review	review	VERB
fsr-3386	43	16	27	27	NUM
fsr-3386	43	17	(	(	PUNCT
fsr-3386	43	18	2018	2018	NUM
fsr-3386	43	19	)	)	PUNCT
fsr-3386	43	20	v	v	NOUN
fsr-3386	43	21	–	–	PUNCT
fsr-3386	43	22	vi	vi	NOUN