id	sid	tid	token	lemma	pos
fsr-3403	1	1	the	the	DET
fsr-3403	1	2	importance	importance	NOUN
fsr-3403	1	3	of	of	ADP
fsr-3403	1	4	debt	debt	NOUN
fsr-3403	1	5	for	for	ADP
fsr-3403	1	6	household	household	NOUN
fsr-3403	1	7	risky	risky	ADJ
fsr-3403	1	8	asset	asset	NOUN
fsr-3403	1	9	allocation	allocation	NOUN
fsr-3403	1	10	and	and	CCONJ
fsr-3403	1	11	portfolio	portfolio	NOUN
fsr-3403	1	12	structure	structure	NOUN
fsr-3403	1	13	ran	run	VERB
fsr-3403	1	14	taoa	taoa	NOUN
fsr-3403	1	15	,	,	PUNCT
fsr-3403	1	16	*	*	PUNCT
fsr-3403	1	17	,	,	PUNCT
fsr-3403	1	18	yuan	yuan	NOUN
fsr-3403	1	19	yuanb	yuanb	PROPN
fsr-3403	1	20	adepartment	adepartment	NOUN
fsr-3403	1	21	of	of	ADP
fsr-3403	1	22	economics	economic	NOUN
fsr-3403	1	23	,	,	PUNCT
fsr-3403	1	24	college	college	NOUN
fsr-3403	1	25	of	of	ADP
fsr-3403	1	26	business	business	NOUN
fsr-3403	1	27	and	and	CCONJ
fsr-3403	1	28	economics	economic	NOUN
fsr-3403	1	29	,	,	PUNCT
fsr-3403	1	30	university	university	PROPN
fsr-3403	1	31	of	of	ADP
fsr-3403	1	32	wisconsin	wisconsin	PROPN
fsr-3403	1	33	,	,	PUNCT
fsr-3403	1	34	whitewater	whitewater	NOUN
fsr-3403	1	35	,	,	PUNCT
fsr-3403	1	36	800	800	NUM
fsr-3403	1	37	w.	w.	PROPN
fsr-3403	1	38	main	main	PROPN
fsr-3403	1	39	street	street	NOUN
fsr-3403	1	40	,	,	PUNCT
fsr-3403	1	41	whitewater	whitewater	NOUN
fsr-3403	1	42	,	,	PUNCT
fsr-3403	1	43	wi	wi	PROPN
fsr-3403	1	44	53190	53190	NUM
fsr-3403	1	45	,	,	PUNCT
fsr-3403	1	46	usa	usa	PROPN
fsr-3403	1	47	bdepartment	bdepartment	NOUN
fsr-3403	1	48	of	of	ADP
fsr-3403	1	49	finance	finance	NOUN
fsr-3403	1	50	and	and	CCONJ
fsr-3403	1	51	business	business	NOUN
fsr-3403	1	52	law	law	NOUN
fsr-3403	1	53	,	,	PUNCT
fsr-3403	1	54	college	college	NOUN
fsr-3403	1	55	of	of	ADP
fsr-3403	1	56	business	business	NOUN
fsr-3403	1	57	and	and	CCONJ
fsr-3403	1	58	economics	economic	NOUN
fsr-3403	1	59	,	,	PUNCT
fsr-3403	1	60	university	university	PROPN
fsr-3403	1	61	of	of	ADP
fsr-3403	1	62	wisconsin	wisconsin	PROPN
fsr-3403	1	63	,	,	PUNCT
fsr-3403	1	64	whitewater	whitewater	NOUN
fsr-3403	1	65	,	,	PUNCT
fsr-3403	1	66	800	800	NUM
fsr-3403	1	67	w.	w.	PROPN
fsr-3403	1	68	main	main	PROPN
fsr-3403	1	69	street	street	NOUN
fsr-3403	1	70	,	,	PUNCT
fsr-3403	1	71	whitewater	whitewater	NOUN
fsr-3403	1	72	,	,	PUNCT
fsr-3403	1	73	wi	wi	PROPN
fsr-3403	1	74	53190	53190	NUM
fsr-3403	1	75	,	,	PUNCT
fsr-3403	1	76	usa	usa	PROPN
fsr-3403	1	77	abstract	abstract	NOUN
fsr-3403	1	78	when	when	SCONJ
fsr-3403	1	79	households	household	NOUN
fsr-3403	1	80	decide	decide	VERB
fsr-3403	1	81	on	on	ADP
fsr-3403	1	82	risky	risky	ADJ
fsr-3403	1	83	asset	asset	NOUN
fsr-3403	1	84	holdings	holding	NOUN
fsr-3403	1	85	,	,	PUNCT
fsr-3403	1	86	they	they	PRON
fsr-3403	1	87	do	do	AUX
fsr-3403	1	88	not	not	PART
fsr-3403	1	89	make	make	VERB
fsr-3403	1	90	the	the	DET
fsr-3403	1	91	decision	decision	NOUN
fsr-3403	1	92	in	in	ADP
fsr-3403	1	93	isolation	isolation	NOUN
fsr-3403	1	94	from	from	ADP
fsr-3403	1	95	their	their	PRON
fsr-3403	1	96	debt	debt	NOUN
fsr-3403	1	97	structure	structure	NOUN
fsr-3403	1	98	and	and	CCONJ
fsr-3403	1	99	obligations	obligation	NOUN
fsr-3403	1	100	,	,	PUNCT
fsr-3403	1	101	vice	vice	NOUN
fsr-3403	1	102	versa	versa	ADV
fsr-3403	1	103	.	.	PUNCT
fsr-3403	2	1	we	we	PRON
fsr-3403	2	2	examine	examine	VERB
fsr-3403	2	3	the	the	DET
fsr-3403	2	4	joint	joint	ADJ
fsr-3403	2	5	behavior	behavior	NOUN
fsr-3403	2	6	of	of	ADP
fsr-3403	2	7	debt	debt	NOUN
fsr-3403	2	8	and	and	CCONJ
fsr-3403	2	9	financial	financial	ADJ
fsr-3403	2	10	asset	asset	NOUN
fsr-3403	2	11	portfolio	portfolio	NOUN
fsr-3403	2	12	decisions	decision	NOUN
fsr-3403	2	13	,	,	PUNCT
fsr-3403	2	14	while	while	SCONJ
fsr-3403	2	15	existing	exist	VERB
fsr-3403	2	16	empirical	empirical	ADJ
fsr-3403	2	17	research	research	NOUN
fsr-3403	2	18	on	on	ADP
fsr-3403	2	19	debt	debt	NOUN
fsr-3403	2	20	and	and	CCONJ
fsr-3403	2	21	asset	asset	NOUN
fsr-3403	2	22	portfolio	portfolio	NOUN
fsr-3403	2	23	choices	choice	NOUN
fsr-3403	2	24	has	have	AUX
fsr-3403	2	25	proceeded	proceed	VERB
fsr-3403	2	26	separately	separately	ADV
fsr-3403	2	27	.	.	PUNCT
fsr-3403	3	1	in	in	ADP
fsr-3403	3	2	this	this	DET
fsr-3403	3	3	paper	paper	NOUN
fsr-3403	3	4	,	,	PUNCT
fsr-3403	3	5	we	we	PRON
fsr-3403	3	6	first	first	ADV
fsr-3403	3	7	test	test	VERB
fsr-3403	3	8	the	the	DET
fsr-3403	3	9	relationship	relationship	NOUN
fsr-3403	3	10	between	between	ADP
fsr-3403	3	11	debt	debt	NOUN
fsr-3403	3	12	structure	structure	NOUN
fsr-3403	3	13	and	and	CCONJ
fsr-3403	3	14	asset	asset	NOUN
fsr-3403	3	15	allocation	allocation	NOUN
fsr-3403	3	16	,	,	PUNCT
fsr-3403	3	17	then	then	ADV
fsr-3403	3	18	estimate	estimate	VERB
fsr-3403	3	19	the	the	DET
fsr-3403	3	20	determinants	determinant	NOUN
fsr-3403	3	21	of	of	ADP
fsr-3403	3	22	debt	debt	NOUN
fsr-3403	3	23	structure	structure	NOUN
fsr-3403	3	24	and	and	CCONJ
fsr-3403	3	25	asset	asset	NOUN
fsr-3403	3	26	allocation	allocation	NOUN
fsr-3403	3	27	simultaneously	simultaneously	ADV
fsr-3403	3	28	.	.	PUNCT
fsr-3403	4	1	using	use	VERB
fsr-3403	4	2	the	the	DET
fsr-3403	4	3	2016	2016	NUM
fsr-3403	4	4	survey	survey	NOUN
fsr-3403	4	5	of	of	ADP
fsr-3403	4	6	consumer	consumer	NOUN
fsr-3403	4	7	finances	finance	NOUN
fsr-3403	4	8	(	(	PUNCT
fsr-3403	4	9	scf	scf	PROPN
fsr-3403	4	10	)	)	PUNCT
fsr-3403	4	11	data	datum	NOUN
fsr-3403	4	12	,	,	PUNCT
fsr-3403	4	13	we	we	PRON
fsr-3403	4	14	find	find	VERB
fsr-3403	4	15	robust	robust	ADJ
fsr-3403	4	16	evidence	evidence	NOUN
fsr-3403	4	17	that	that	SCONJ
fsr-3403	4	18	debt	debt	NOUN
fsr-3403	4	19	structure	structure	NOUN
fsr-3403	4	20	affects	affect	VERB
fsr-3403	4	21	households	household	NOUN
fsr-3403	4	22	’	'	PUNCT
fsr-3403	4	23	risky	risky	ADJ
fsr-3403	4	24	asset	asset	NOUN
fsr-3403	4	25	allocation	allocation	NOUN
fsr-3403	4	26	decisions	decision	NOUN
fsr-3403	4	27	and	and	CCONJ
fsr-3403	4	28	identify	identify	VERB
fsr-3403	4	29	,	,	PUNCT
fsr-3403	4	30	in	in	ADP
fsr-3403	4	31	this	this	DET
fsr-3403	4	32	simultaneous	simultaneous	ADJ
fsr-3403	4	33	decision	decision	NOUN
fsr-3403	4	34	-	-	PUNCT
fsr-3403	4	35	making	make	VERB
fsr-3403	4	36	process	process	NOUN
fsr-3403	4	37	,	,	PUNCT
fsr-3403	4	38	the	the	DET
fsr-3403	4	39	demographic	demographic	ADJ
fsr-3403	4	40	and	and	CCONJ
fsr-3403	4	41	financial	financial	ADJ
fsr-3403	4	42	factors	factor	NOUN
fsr-3403	4	43	that	that	PRON
fsr-3403	4	44	can	can	AUX
fsr-3403	4	45	contribute	contribute	VERB
fsr-3403	4	46	to	to	ADP
fsr-3403	4	47	the	the	DET
fsr-3403	4	48	household	household	NOUN
fsr-3403	4	49	overall	overall	ADJ
fsr-3403	4	50	financial	financial	ADJ
fsr-3403	4	51	portfolio	portfolio	NOUN
fsr-3403	4	52	structure	structure	NOUN
fsr-3403	4	53	.	.	PUNCT
fsr-3403	5	1	©	©	PROPN
fsr-3403	5	2	2018	2018	NUM
fsr-3403	5	3	academy	academy	NOUN
fsr-3403	5	4	of	of	ADP
fsr-3403	5	5	financial	financial	ADJ
fsr-3403	5	6	services	service	NOUN
fsr-3403	5	7	.	.	PUNCT
fsr-3403	6	1	all	all	DET
fsr-3403	6	2	rights	right	NOUN
fsr-3403	6	3	reserved	reserve	VERB
fsr-3403	6	4	.	.	PUNCT
fsr-3403	7	1	jel	jel	PROPN
fsr-3403	7	2	classification	classification	NOUN
fsr-3403	7	3	:	:	PUNCT
fsr-3403	7	4	g11	g11	NOUN
fsr-3403	7	5	;	;	PUNCT
fsr-3403	7	6	d14	d14	NOUN
fsr-3403	7	7	keywords	keyword	NOUN
fsr-3403	7	8	:	:	PUNCT
fsr-3403	7	9	financial	financial	ADJ
fsr-3403	7	10	asset	asset	NOUN
fsr-3403	7	11	allocation	allocation	NOUN
fsr-3403	7	12	;	;	PUNCT
fsr-3403	7	13	risky	risky	ADJ
fsr-3403	7	14	asset	asset	NOUN
fsr-3403	7	15	investment	investment	NOUN
fsr-3403	7	16	;	;	PUNCT
fsr-3403	7	17	secured	secured	ADJ
fsr-3403	7	18	debt	debt	NOUN
fsr-3403	7	19	;	;	PUNCT
fsr-3403	7	20	debt	debt	NOUN
fsr-3403	7	21	structure	structure	NOUN
fsr-3403	7	22	1	1	NUM
fsr-3403	7	23	.	.	PUNCT
fsr-3403	7	24	introduction	introduction	NOUN
fsr-3403	7	25	there	there	PRON
fsr-3403	7	26	has	have	AUX
fsr-3403	7	27	been	be	AUX
fsr-3403	7	28	a	a	DET
fsr-3403	7	29	massive	massive	ADJ
fsr-3403	7	30	increase	increase	NOUN
fsr-3403	7	31	in	in	ADP
fsr-3403	7	32	consumer	consumer	NOUN
fsr-3403	7	33	assets	asset	NOUN
fsr-3403	7	34	and	and	CCONJ
fsr-3403	7	35	consumer	consumer	NOUN
fsr-3403	7	36	debt	debt	NOUN
fsr-3403	7	37	over	over	ADP
fsr-3403	7	38	the	the	DET
fsr-3403	7	39	last	last	ADJ
fsr-3403	7	40	two	two	NUM
fsr-3403	7	41	decades	decade	NOUN
fsr-3403	7	42	.	.	PUNCT
fsr-3403	8	1	at	at	ADP
fsr-3403	8	2	the	the	DET
fsr-3403	8	3	end	end	NOUN
fsr-3403	8	4	of	of	ADP
fsr-3403	8	5	2017	2017	NUM
fsr-3403	8	6	,	,	PUNCT
fsr-3403	8	7	u.s	u.s	PROPN
fsr-3403	8	8	.	.	PROPN
fsr-3403	8	9	households	household	NOUN
fsr-3403	8	10	’	'	PUNCT
fsr-3403	8	11	total	total	ADJ
fsr-3403	8	12	financial	financial	ADJ
fsr-3403	8	13	assets	asset	NOUN
fsr-3403	8	14	exceeded	exceed	VERB
fsr-3403	8	15	$	$	SYM
fsr-3403	8	16	80	80	NUM
fsr-3403	8	17	trillion	trillion	NUM
fsr-3403	8	18	and	and	CCONJ
fsr-3403	8	19	total	total	ADJ
fsr-3403	8	20	household	household	NOUN
fsr-3403	8	21	debts	debt	NOUN
fsr-3403	8	22	rose	rise	VERB
fsr-3403	8	23	to	to	ADP
fsr-3403	8	24	an	an	DET
fsr-3403	8	25	all	all	DET
fsr-3403	8	26	-	-	PUNCT
fsr-3403	8	27	time	time	NOUN
fsr-3403	8	28	high	high	ADJ
fsr-3403	8	29	of	of	ADP
fsr-3403	8	30	$	$	SYM
fsr-3403	8	31	15.5	15.5	NUM
fsr-3403	8	32	trillion	trillion	NUM
fsr-3403	8	33	,	,	PUNCT
fsr-3403	8	34	more	more	ADJ
fsr-3403	8	35	than	than	ADP
fsr-3403	8	36	twice	twice	ADV
fsr-3403	8	37	of	of	ADP
fsr-3403	8	38	what	what	PRON
fsr-3403	8	39	they	they	PRON
fsr-3403	8	40	were	be	AUX
fsr-3403	8	41	in	in	ADP
fsr-3403	8	42	2000	2000	NUM
fsr-3403	8	43	(	(	PUNCT
fsr-3403	8	44	board	board	NOUN
fsr-3403	8	45	of	of	ADP
fsr-3403	8	46	governors	governor	NOUN
fsr-3403	8	47	of	of	ADP
fsr-3403	8	48	the	the	DET
fsr-3403	8	49	federal	federal	PROPN
fsr-3403	8	50	reserve	reserve	PROPN
fsr-3403	8	51	system	system	PROPN
fsr-3403	8	52	)	)	PUNCT
fsr-3403	8	53	.	.	PUNCT
fsr-3403	9	1	some	some	DET
fsr-3403	9	2	striking	striking	ADJ
fsr-3403	9	3	effects	effect	NOUN
fsr-3403	9	4	*	*	PUNCT
fsr-3403	9	5	corresponding	correspond	VERB
fsr-3403	9	6	author	author	NOUN
fsr-3403	9	7	.	.	PUNCT
fsr-3403	10	1	tel	tel	PROPN
fsr-3403	10	2	.	.	PUNCT
fsr-3403	10	3	:	:	PUNCT
fsr-3403	11	1	�	�	PROPN
fsr-3403	11	2	1	1	NUM
fsr-3403	11	3	-	-	SYM
fsr-3403	11	4	262	262	NUM
fsr-3403	11	5	-	-	PUNCT
fsr-3403	11	6	472	472	NUM
fsr-3403	11	7	-	-	SYM
fsr-3403	11	8	5447	5447	NUM
fsr-3403	11	9	;	;	PUNCT
fsr-3403	11	10	fax	fax	NOUN
fsr-3403	11	11	:	:	PUNCT
fsr-3403	11	12	�	�	PROPN
fsr-3403	11	13	1	1	NUM
fsr-3403	11	14	-	-	SYM
fsr-3403	11	15	262	262	NUM
fsr-3403	11	16	-	-	PUNCT
fsr-3403	11	17	472	472	NUM
fsr-3403	11	18	-	-	SYM
fsr-3403	11	19	4863	4863	NUM
fsr-3403	11	20	.	.	PUNCT
fsr-3403	12	1	e	e	X
fsr-3403	12	2	-	-	NOUN
fsr-3403	12	3	mail	mail	NOUN
fsr-3403	12	4	address	address	NOUN
fsr-3403	12	5	:	:	PUNCT
fsr-3403	12	6	taor@uww.edu	taor@uww.edu	PROPN
fsr-3403	12	7	(	(	PUNCT
fsr-3403	12	8	r.	r.	PROPN
fsr-3403	12	9	tao	tao	PROPN
fsr-3403	12	10	)	)	PUNCT
fsr-3403	12	11	financial	financial	ADJ
fsr-3403	12	12	services	service	NOUN
fsr-3403	12	13	review	review	VERB
fsr-3403	12	14	27	27	NUM
fsr-3403	12	15	(	(	PUNCT
fsr-3403	12	16	2018	2018	NUM
fsr-3403	12	17	)	)	PUNCT
fsr-3403	12	18	325	325	NUM
fsr-3403	12	19	-	-	SYM
fsr-3403	12	20	344	344	NUM
fsr-3403	12	21	1057	1057	NUM
fsr-3403	12	22	-	-	SYM
fsr-3403	12	23	0810/18/$	0810/18/$	NUM
fsr-3403	12	24	–	–	PUNCT
fsr-3403	12	25	see	see	VERB
fsr-3403	12	26	front	front	ADJ
fsr-3403	12	27	matter	matter	NOUN
fsr-3403	12	28	©	©	PROPN
fsr-3403	12	29	2018	2018	NUM
fsr-3403	12	30	academy	academy	NOUN
fsr-3403	12	31	of	of	ADP
fsr-3403	12	32	financial	financial	ADJ
fsr-3403	12	33	services	service	NOUN
fsr-3403	12	34	.	.	PUNCT
fsr-3403	13	1	all	all	DET
fsr-3403	13	2	rights	right	NOUN
fsr-3403	13	3	reserved	reserve	VERB
fsr-3403	13	4	.	.	PUNCT
fsr-3403	14	1	observed	observe	VERB
fsr-3403	14	2	include	include	VERB
fsr-3403	14	3	the	the	DET
fsr-3403	14	4	broadening	broadening	NOUN
fsr-3403	14	5	of	of	ADP
fsr-3403	14	6	the	the	DET
fsr-3403	14	7	stockholder	stockholder	NOUN
fsr-3403	14	8	base	base	NOUN
fsr-3403	14	9	(	(	PUNCT
fsr-3403	14	10	bilias	bilia	NOUN
fsr-3403	14	11	et	et	NOUN
fsr-3403	14	12	al	al	PROPN
fsr-3403	14	13	.	.	PROPN
fsr-3403	14	14	,	,	PUNCT
fsr-3403	14	15	2010	2010	NUM
fsr-3403	14	16	)	)	PUNCT
fsr-3403	14	17	,	,	PUNCT
fsr-3403	14	18	the	the	DET
fsr-3403	14	19	growth	growth	NOUN
fsr-3403	14	20	in	in	ADP
fsr-3403	14	21	mutual	mutual	ADJ
fsr-3403	14	22	fund	fund	NOUN
fsr-3403	14	23	participation	participation	NOUN
fsr-3403	14	24	(	(	PUNCT
fsr-3403	14	25	bailey	bailey	PROPN
fsr-3403	14	26	et	et	PROPN
fsr-3403	14	27	al	al	PROPN
fsr-3403	14	28	.	.	PROPN
fsr-3403	14	29	,	,	PUNCT
fsr-3403	14	30	2011	2011	NUM
fsr-3403	14	31	)	)	PUNCT
fsr-3403	14	32	,	,	PUNCT
fsr-3403	14	33	and	and	CCONJ
fsr-3403	14	34	consumer	consumer	NOUN
fsr-3403	14	35	indebtedness	indebtedness	NOUN
fsr-3403	14	36	accompanied	accompany	VERB
fsr-3403	14	37	by	by	ADP
fsr-3403	14	38	the	the	DET
fsr-3403	14	39	fast	fast	ADJ
fsr-3403	14	40	growth	growth	NOUN
fsr-3403	14	41	in	in	ADP
fsr-3403	14	42	credit	credit	NOUN
fsr-3403	14	43	card	card	NOUN
fsr-3403	14	44	use	use	NOUN
fsr-3403	14	45	(	(	PUNCT
fsr-3403	14	46	basnet	basnet	NOUN
fsr-3403	14	47	and	and	CCONJ
fsr-3403	14	48	donou	donou	NOUN
fsr-3403	14	49	-	-	PUNCT
fsr-3403	14	50	adonsou	adonsou	NOUN
fsr-3403	14	51	,	,	PUNCT
fsr-3403	14	52	2018	2018	NUM
fsr-3403	14	53	)	)	PUNCT
fsr-3403	14	54	.	.	PUNCT
fsr-3403	15	1	empirical	empirical	ADJ
fsr-3403	15	2	evidence	evidence	NOUN
fsr-3403	15	3	shows	show	VERB
fsr-3403	15	4	that	that	SCONJ
fsr-3403	15	5	households	household	NOUN
fsr-3403	15	6	do	do	AUX
fsr-3403	15	7	not	not	PART
fsr-3403	15	8	follow	follow	VERB
fsr-3403	15	9	the	the	DET
fsr-3403	15	10	predictions	prediction	NOUN
fsr-3403	15	11	by	by	ADP
fsr-3403	15	12	portfolio	portfolio	NOUN
fsr-3403	15	13	theories	theory	NOUN
fsr-3403	15	14	(	(	PUNCT
fsr-3403	15	15	cf	cf	NOUN
fsr-3403	15	16	.	.	PUNCT
fsr-3403	16	1	campbell	campbell	PROPN
fsr-3403	16	2	,	,	PUNCT
fsr-3403	16	3	2006	2006	NUM
fsr-3403	16	4	;	;	PUNCT
fsr-3403	16	5	guiso	guiso	PROPN
fsr-3403	16	6	et	et	PROPN
fsr-3403	16	7	al	al	PROPN
fsr-3403	16	8	.	.	PROPN
fsr-3403	16	9	,	,	PUNCT
fsr-3403	16	10	2002	2002	NUM
fsr-3403	16	11	)	)	PUNCT
fsr-3403	16	12	.	.	PUNCT
fsr-3403	17	1	in	in	ADP
fsr-3403	17	2	addition	addition	NOUN
fsr-3403	17	3	,	,	PUNCT
fsr-3403	17	4	large	large	ADJ
fsr-3403	17	5	variations	variation	NOUN
fsr-3403	17	6	across	across	ADP
fsr-3403	17	7	households	household	NOUN
fsr-3403	17	8	in	in	ADP
fsr-3403	17	9	their	their	PRON
fsr-3403	17	10	portfolio	portfolio	NOUN
fsr-3403	17	11	structures	structure	NOUN
fsr-3403	17	12	are	be	AUX
fsr-3403	17	13	observed	observe	VERB
fsr-3403	17	14	.	.	PUNCT
fsr-3403	18	1	for	for	ADP
fsr-3403	18	2	example	example	NOUN
fsr-3403	18	3	,	,	PUNCT
fsr-3403	18	4	many	many	ADJ
fsr-3403	18	5	households	household	NOUN
fsr-3403	18	6	do	do	AUX
fsr-3403	18	7	not	not	PART
fsr-3403	18	8	hold	hold	VERB
fsr-3403	18	9	risky	risky	ADJ
fsr-3403	18	10	financial	financial	ADJ
fsr-3403	18	11	assets	asset	NOUN
fsr-3403	18	12	,	,	PUNCT
fsr-3403	18	13	while	while	SCONJ
fsr-3403	18	14	those	those	PRON
fsr-3403	18	15	do	do	VERB
fsr-3403	18	16	,	,	PUNCT
fsr-3403	18	17	many	many	ADJ
fsr-3403	18	18	hold	hold	VERB
fsr-3403	18	19	a	a	DET
fsr-3403	18	20	large	large	ADJ
fsr-3403	18	21	proportion	proportion	NOUN
fsr-3403	18	22	of	of	ADP
fsr-3403	18	23	risky	risky	ADJ
fsr-3403	18	24	assets	asset	NOUN
fsr-3403	18	25	(	(	PUNCT
fsr-3403	18	26	campbell	campbell	PROPN
fsr-3403	18	27	,	,	PUNCT
fsr-3403	18	28	2006	2006	NUM
fsr-3403	18	29	)	)	PUNCT
fsr-3403	18	30	.	.	PUNCT
fsr-3403	19	1	the	the	DET
fsr-3403	19	2	portfolio	portfolio	NOUN
fsr-3403	19	3	allocation	allocation	NOUN
fsr-3403	19	4	problems	problem	NOUN
fsr-3403	19	5	are	be	AUX
fsr-3403	19	6	gaining	gain	VERB
fsr-3403	19	7	attention	attention	NOUN
fsr-3403	19	8	again	again	ADV
fsr-3403	19	9	in	in	ADP
fsr-3403	19	10	the	the	DET
fsr-3403	19	11	academic	academic	ADJ
fsr-3403	19	12	circle	circle	NOUN
fsr-3403	19	13	.	.	PUNCT
fsr-3403	20	1	the	the	DET
fsr-3403	20	2	renewed	renew	VERB
fsr-3403	20	3	interest	interest	NOUN
fsr-3403	20	4	generally	generally	ADV
fsr-3403	20	5	focuses	focus	VERB
fsr-3403	20	6	on	on	ADP
fsr-3403	20	7	the	the	DET
fsr-3403	20	8	key	key	ADJ
fsr-3403	20	9	aspects	aspect	NOUN
fsr-3403	20	10	of	of	ADP
fsr-3403	20	11	portfolio	portfolio	NOUN
fsr-3403	20	12	structure	structure	NOUN
fsr-3403	20	13	and	and	CCONJ
fsr-3403	20	14	understanding	understanding	NOUN
fsr-3403	20	15	qualitatively	qualitatively	ADV
fsr-3403	20	16	as	as	ADV
fsr-3403	20	17	well	well	ADV
fsr-3403	20	18	as	as	ADP
fsr-3403	20	19	quantitatively	quantitatively	ADV
fsr-3403	20	20	the	the	DET
fsr-3403	20	21	role	role	NOUN
fsr-3403	20	22	of	of	ADP
fsr-3403	20	23	the	the	DET
fsr-3403	20	24	determinants	determinant	NOUN
fsr-3403	20	25	in	in	ADP
fsr-3403	20	26	the	the	DET
fsr-3403	20	27	optimal	optimal	ADJ
fsr-3403	20	28	investment	investment	NOUN
fsr-3403	20	29	decision	decision	NOUN
fsr-3403	20	30	of	of	ADP
fsr-3403	20	31	individuals	individual	NOUN
fsr-3403	20	32	and	and	CCONJ
fsr-3403	20	33	households	household	NOUN
fsr-3403	20	34	(	(	PUNCT
fsr-3403	20	35	cf	cf	NOUN
fsr-3403	20	36	.	.	PUNCT
fsr-3403	20	37	cardak	cardak	PROPN
fsr-3403	20	38	and	and	CCONJ
fsr-3403	20	39	wilkins	wilkin	NOUN
fsr-3403	20	40	,	,	PUNCT
fsr-3403	20	41	2009	2009	NUM
fsr-3403	20	42	)	)	PUNCT
fsr-3403	20	43	.	.	PUNCT
fsr-3403	21	1	however	however	ADV
fsr-3403	21	2	,	,	PUNCT
fsr-3403	21	3	the	the	DET
fsr-3403	21	4	approach	approach	NOUN
fsr-3403	21	5	taken	take	VERB
fsr-3403	21	6	by	by	ADP
fsr-3403	21	7	the	the	DET
fsr-3403	21	8	existing	exist	VERB
fsr-3403	21	9	literature	literature	NOUN
fsr-3403	21	10	typically	typically	ADV
fsr-3403	21	11	focuses	focus	VERB
fsr-3403	21	12	on	on	ADP
fsr-3403	21	13	specific	specific	ADJ
fsr-3403	21	14	aspects	aspect	NOUN
fsr-3403	21	15	of	of	ADP
fsr-3403	21	16	household	household	NOUN
fsr-3403	21	17	finance	finance	NOUN
fsr-3403	21	18	in	in	ADP
fsr-3403	21	19	isolation	isolation	NOUN
fsr-3403	21	20	of	of	ADP
fsr-3403	21	21	other	other	ADJ
fsr-3403	21	22	aspects	aspect	NOUN
fsr-3403	21	23	of	of	ADP
fsr-3403	21	24	the	the	DET
fsr-3403	21	25	balance	balance	NOUN
fsr-3403	21	26	sheet	sheet	NOUN
fsr-3403	21	27	.	.	PUNCT
fsr-3403	22	1	many	many	ADJ
fsr-3403	22	2	studies	study	NOUN
fsr-3403	22	3	focus	focus	VERB
fsr-3403	22	4	on	on	ADP
fsr-3403	22	5	either	either	CCONJ
fsr-3403	22	6	the	the	DET
fsr-3403	22	7	asset	asset	NOUN
fsr-3403	22	8	side	side	NOUN
fsr-3403	22	9	(	(	PUNCT
fsr-3403	22	10	cf	cf	NOUN
fsr-3403	22	11	.	.	PUNCT
fsr-3403	23	1	wang	wang	PROPN
fsr-3403	23	2	and	and	CCONJ
fsr-3403	23	3	hanna	hanna	PROPN
fsr-3403	23	4	,	,	PUNCT
fsr-3403	23	5	2018	2018	NUM
fsr-3403	23	6	)	)	PUNCT
fsr-3403	23	7	or	or	CCONJ
fsr-3403	23	8	the	the	DET
fsr-3403	23	9	debt	debt	NOUN
fsr-3403	23	10	side	side	NOUN
fsr-3403	23	11	of	of	ADP
fsr-3403	23	12	the	the	DET
fsr-3403	23	13	household	household	NOUN
fsr-3403	23	14	portfolio	portfolio	NOUN
fsr-3403	23	15	(	(	PUNCT
fsr-3403	23	16	cf	cf	NOUN
fsr-3403	23	17	.	.	PUNCT
fsr-3403	23	18	yilmazer	yilmazer	NOUN
fsr-3403	23	19	and	and	CCONJ
fsr-3403	23	20	devaney	devaney	PROPN
fsr-3403	23	21	,	,	PUNCT
fsr-3403	23	22	2005	2005	NUM
fsr-3403	23	23	)	)	PUNCT
fsr-3403	23	24	.	.	PUNCT
fsr-3403	24	1	in	in	ADP
fsr-3403	24	2	this	this	DET
fsr-3403	24	3	paper	paper	NOUN
fsr-3403	24	4	,	,	PUNCT
fsr-3403	24	5	we	we	PRON
fsr-3403	24	6	examine	examine	VERB
fsr-3403	24	7	the	the	DET
fsr-3403	24	8	overall	overall	ADJ
fsr-3403	24	9	financial	financial	ADJ
fsr-3403	24	10	portfolio	portfolio	NOUN
fsr-3403	24	11	structure	structure	NOUN
fsr-3403	24	12	by	by	ADP
fsr-3403	24	13	considering	consider	VERB
fsr-3403	24	14	both	both	CCONJ
fsr-3403	24	15	asset	asset	NOUN
fsr-3403	24	16	and	and	CCONJ
fsr-3403	24	17	debt	debt	NOUN
fsr-3403	24	18	allocation	allocation	NOUN
fsr-3403	24	19	decisions	decision	NOUN
fsr-3403	24	20	.	.	PUNCT
fsr-3403	25	1	a	a	DET
fsr-3403	25	2	household	household	NOUN
fsr-3403	25	3	’s	’s	PART
fsr-3403	25	4	asset	asset	NOUN
fsr-3403	25	5	structure	structure	NOUN
fsr-3403	25	6	is	be	AUX
fsr-3403	25	7	defined	define	VERB
fsr-3403	25	8	as	as	ADP
fsr-3403	25	9	the	the	DET
fsr-3403	25	10	share	share	NOUN
fsr-3403	25	11	of	of	ADP
fsr-3403	25	12	risky	risky	ADJ
fsr-3403	25	13	assets	asset	NOUN
fsr-3403	25	14	(	(	PUNCT
fsr-3403	25	15	stocks	stock	NOUN
fsr-3403	25	16	,	,	PUNCT
fsr-3403	25	17	corporate	corporate	ADJ
fsr-3403	25	18	/	/	SYM
fsr-3403	25	19	foreign	foreign	ADJ
fsr-3403	25	20	bond	bond	NOUN
fsr-3403	25	21	,	,	PUNCT
fsr-3403	25	22	mutual	mutual	ADJ
fsr-3403	25	23	funds	fund	NOUN
fsr-3403	25	24	,	,	PUNCT
fsr-3403	25	25	and	and	CCONJ
fsr-3403	25	26	trust	trust	NOUN
fsr-3403	25	27	funds	fund	NOUN
fsr-3403	25	28	)	)	PUNCT
fsr-3403	25	29	in	in	ADP
fsr-3403	25	30	total	total	ADJ
fsr-3403	25	31	financial	financial	ADJ
fsr-3403	25	32	assets	asset	NOUN
fsr-3403	25	33	.	.	PUNCT
fsr-3403	26	1	on	on	ADP
fsr-3403	26	2	the	the	DET
fsr-3403	26	3	liability	liability	NOUN
fsr-3403	26	4	side	side	NOUN
fsr-3403	26	5	,	,	PUNCT
fsr-3403	26	6	we	we	PRON
fsr-3403	26	7	classify	classify	VERB
fsr-3403	26	8	the	the	DET
fsr-3403	26	9	total	total	ADJ
fsr-3403	26	10	debt	debt	NOUN
fsr-3403	26	11	as	as	ADP
fsr-3403	26	12	secured	secure	VERB
fsr-3403	26	13	debt	debt	NOUN
fsr-3403	26	14	(	(	PUNCT
fsr-3403	26	15	mortgage	mortgage	NOUN
fsr-3403	26	16	and	and	CCONJ
fsr-3403	26	17	vehicle	vehicle	NOUN
fsr-3403	26	18	loans	loan	NOUN
fsr-3403	26	19	)	)	PUNCT
fsr-3403	26	20	and	and	CCONJ
fsr-3403	26	21	unsecured	unsecured	ADJ
fsr-3403	26	22	debt	debt	NOUN
fsr-3403	26	23	(	(	PUNCT
fsr-3403	26	24	credit	credit	NOUN
fsr-3403	26	25	card	card	NOUN
fsr-3403	26	26	debt	debt	NOUN
fsr-3403	26	27	,	,	PUNCT
fsr-3403	26	28	education	education	NOUN
fsr-3403	26	29	loan	loan	NOUN
fsr-3403	26	30	,	,	PUNCT
fsr-3403	26	31	and	and	CCONJ
fsr-3403	26	32	other	other	ADJ
fsr-3403	26	33	consumer	consumer	NOUN
fsr-3403	26	34	loans	loan	NOUN
fsr-3403	26	35	that	that	PRON
fsr-3403	26	36	are	be	AUX
fsr-3403	26	37	not	not	PART
fsr-3403	26	38	backed	back	VERB
fsr-3403	26	39	by	by	ADP
fsr-3403	26	40	any	any	DET
fsr-3403	26	41	underlying	underlying	ADJ
fsr-3403	26	42	assets	asset	NOUN
fsr-3403	26	43	)	)	PUNCT
fsr-3403	26	44	.	.	PUNCT
fsr-3403	27	1	a	a	DET
fsr-3403	27	2	household	household	NOUN
fsr-3403	27	3	’s	’s	PART
fsr-3403	27	4	debt	debt	NOUN
fsr-3403	27	5	structure	structure	NOUN
fsr-3403	27	6	is	be	AUX
fsr-3403	27	7	represented	represent	VERB
fsr-3403	27	8	by	by	ADP
fsr-3403	27	9	the	the	DET
fsr-3403	27	10	ratio	ratio	NOUN
fsr-3403	27	11	of	of	ADP
fsr-3403	27	12	outstanding	outstanding	ADJ
fsr-3403	27	13	secured	secure	VERB
fsr-3403	27	14	debt	debt	NOUN
fsr-3403	27	15	balance	balance	NOUN
fsr-3403	27	16	to	to	PART
fsr-3403	27	17	total	total	VERB
fsr-3403	27	18	debt	debt	NOUN
fsr-3403	27	19	.	.	PUNCT
fsr-3403	28	1	there	there	PRON
fsr-3403	28	2	are	be	VERB
fsr-3403	28	3	many	many	ADJ
fsr-3403	28	4	studies	study	NOUN
fsr-3403	28	5	of	of	ADP
fsr-3403	28	6	household	household	NOUN
fsr-3403	28	7	asset	asset	NOUN
fsr-3403	28	8	portfolio	portfolio	NOUN
fsr-3403	28	9	.	.	PUNCT
fsr-3403	29	1	notable	notable	ADJ
fsr-3403	29	2	contributions	contribution	NOUN
fsr-3403	29	3	include	include	VERB
fsr-3403	29	4	bergstresser	bergstresser	NOUN
fsr-3403	29	5	and	and	CCONJ
fsr-3403	29	6	poterba	poterba	NOUN
fsr-3403	29	7	(	(	PUNCT
fsr-3403	29	8	2004	2004	NUM
fsr-3403	29	9	)	)	PUNCT
fsr-3403	29	10	,	,	PUNCT
fsr-3403	29	11	cardak	cardak	NOUN
fsr-3403	29	12	and	and	CCONJ
fsr-3403	29	13	wilkins	wilkins	PROPN
fsr-3403	29	14	(	(	PUNCT
fsr-3403	29	15	2009	2009	NUM
fsr-3403	29	16	)	)	PUNCT
fsr-3403	29	17	,	,	PUNCT
fsr-3403	29	18	rosen	rosen	PROPN
fsr-3403	29	19	and	and	CCONJ
fsr-3403	29	20	wu	wu	PROPN
fsr-3403	29	21	(	(	PUNCT
fsr-3403	29	22	2004	2004	NUM
fsr-3403	29	23	)	)	PUNCT
fsr-3403	29	24	.	.	PUNCT
fsr-3403	30	1	they	they	PRON
fsr-3403	30	2	find	find	VERB
fsr-3403	30	3	that	that	SCONJ
fsr-3403	30	4	asset	asset	NOUN
fsr-3403	30	5	allocation	allocation	NOUN
fsr-3403	30	6	decisions	decision	NOUN
fsr-3403	30	7	are	be	AUX
fsr-3403	30	8	affected	affect	VERB
fsr-3403	30	9	by	by	ADP
fsr-3403	30	10	households	household	NOUN
fsr-3403	30	11	’	'	PUNCT
fsr-3403	30	12	demographics	demographic	NOUN
fsr-3403	30	13	,	,	PUNCT
fsr-3403	30	14	educational	educational	ADJ
fsr-3403	30	15	attainment	attainment	NOUN
fsr-3403	30	16	,	,	PUNCT
fsr-3403	30	17	wealth	wealth	NOUN
fsr-3403	30	18	,	,	PUNCT
fsr-3403	30	19	labor	labor	NOUN
fsr-3403	30	20	income	income	NOUN
fsr-3403	30	21	,	,	PUNCT
fsr-3403	30	22	and	and	CCONJ
fsr-3403	30	23	health	health	NOUN
fsr-3403	30	24	risks	risk	NOUN
fsr-3403	30	25	.	.	PUNCT
fsr-3403	31	1	therefore	therefore	ADV
fsr-3403	31	2	,	,	PUNCT
fsr-3403	31	3	the	the	DET
fsr-3403	31	4	likelihood	likelihood	NOUN
fsr-3403	31	5	of	of	ADP
fsr-3403	31	6	participating	participate	VERB
fsr-3403	31	7	in	in	ADP
fsr-3403	31	8	risky	risky	ADJ
fsr-3403	31	9	asset	asset	NOUN
fsr-3403	31	10	investment	investment	NOUN
fsr-3403	31	11	should	should	AUX
fsr-3403	31	12	be	be	AUX
fsr-3403	31	13	related	relate	VERB
fsr-3403	31	14	to	to	ADP
fsr-3403	31	15	issues	issue	NOUN
fsr-3403	31	16	affecting	affect	VERB
fsr-3403	31	17	access	access	NOUN
fsr-3403	31	18	and	and	CCONJ
fsr-3403	31	19	awareness	awareness	NOUN
fsr-3403	31	20	of	of	ADP
fsr-3403	31	21	stocks	stock	NOUN
fsr-3403	31	22	if	if	SCONJ
fsr-3403	31	23	one	one	PRON
fsr-3403	31	24	had	have	VERB
fsr-3403	31	25	some	some	DET
fsr-3403	31	26	level	level	NOUN
fsr-3403	31	27	of	of	ADP
fsr-3403	31	28	financial	financial	ADJ
fsr-3403	31	29	assets	asset	NOUN
fsr-3403	31	30	.	.	PUNCT
fsr-3403	32	1	drawing	draw	VERB
fsr-3403	32	2	from	from	ADP
fsr-3403	32	3	both	both	DET
fsr-3403	32	4	the	the	DET
fsr-3403	32	5	frameworks	framework	NOUN
fsr-3403	32	6	of	of	ADP
fsr-3403	32	7	investment	investment	NOUN
fsr-3403	32	8	decision	decision	NOUN
fsr-3403	32	9	making	making	NOUN
fsr-3403	32	10	and	and	CCONJ
fsr-3403	32	11	previous	previous	ADJ
fsr-3403	32	12	studies	study	NOUN
fsr-3403	32	13	,	,	PUNCT
fsr-3403	32	14	we	we	PRON
fsr-3403	32	15	apply	apply	VERB
fsr-3403	32	16	a	a	DET
fsr-3403	32	17	two	two	NUM
fsr-3403	32	18	-	-	PUNCT
fsr-3403	32	19	stage	stage	NOUN
fsr-3403	32	20	sample	sample	NOUN
fsr-3403	32	21	selection	selection	NOUN
fsr-3403	32	22	model	model	NOUN
fsr-3403	32	23	to	to	PART
fsr-3403	32	24	examine	examine	VERB
fsr-3403	32	25	risky	risky	ADJ
fsr-3403	32	26	asset	asset	NOUN
fsr-3403	32	27	shares	share	NOUN
fsr-3403	32	28	conditional	conditional	ADJ
fsr-3403	32	29	on	on	ADP
fsr-3403	32	30	participation	participation	NOUN
fsr-3403	32	31	(	(	PUNCT
fsr-3403	32	32	i.e.	i.e.	X
fsr-3403	32	33	,	,	PUNCT
fsr-3403	32	34	the	the	DET
fsr-3403	32	35	decision	decision	NOUN
fsr-3403	32	36	to	to	PART
fsr-3403	32	37	hold	hold	VERB
fsr-3403	32	38	risky	risky	ADJ
fsr-3403	32	39	assets	asset	NOUN
fsr-3403	32	40	)	)	PUNCT
fsr-3403	32	41	.	.	PUNCT
fsr-3403	33	1	the	the	DET
fsr-3403	33	2	two	two	NUM
fsr-3403	33	3	-	-	PUNCT
fsr-3403	33	4	stage	stage	NOUN
fsr-3403	33	5	model	model	NOUN
fsr-3403	33	6	allows	allow	VERB
fsr-3403	33	7	for	for	ADP
fsr-3403	33	8	the	the	DET
fsr-3403	33	9	individual	individual	ADJ
fsr-3403	33	10	determination	determination	NOUN
fsr-3403	33	11	of	of	ADP
fsr-3403	33	12	differences	difference	NOUN
fsr-3403	33	13	in	in	ADP
fsr-3403	33	14	the	the	DET
fsr-3403	33	15	participation	participation	NOUN
fsr-3403	33	16	decision	decision	NOUN
fsr-3403	33	17	and	and	CCONJ
fsr-3403	33	18	the	the	DET
fsr-3403	33	19	allocation	allocation	NOUN
fsr-3403	33	20	decision	decision	NOUN
fsr-3403	33	21	,	,	PUNCT
fsr-3403	33	22	because	because	SCONJ
fsr-3403	33	23	unconditional	unconditional	ADJ
fsr-3403	33	24	shares	share	NOUN
fsr-3403	33	25	can	can	AUX
fsr-3403	33	26	not	not	PART
fsr-3403	33	27	distinguish	distinguish	VERB
fsr-3403	33	28	the	the	DET
fsr-3403	33	29	effects	effect	NOUN
fsr-3403	33	30	of	of	ADP
fsr-3403	33	31	relevant	relevant	ADJ
fsr-3403	33	32	variables	variable	NOUN
fsr-3403	33	33	on	on	ADP
fsr-3403	33	34	the	the	DET
fsr-3403	33	35	participation	participation	NOUN
fsr-3403	33	36	decision	decision	NOUN
fsr-3403	33	37	from	from	ADP
fsr-3403	33	38	those	those	PRON
fsr-3403	33	39	on	on	ADP
fsr-3403	33	40	the	the	DET
fsr-3403	33	41	portfolio	portfolio	NOUN
fsr-3403	33	42	share	share	NOUN
fsr-3403	33	43	given	give	VERB
fsr-3403	33	44	that	that	SCONJ
fsr-3403	33	45	the	the	DET
fsr-3403	33	46	asset	asset	NOUN
fsr-3403	33	47	is	be	AUX
fsr-3403	33	48	held	hold	VERB
fsr-3403	33	49	.	.	PUNCT
fsr-3403	34	1	stage	stage	NOUN
fsr-3403	34	2	one	one	NUM
fsr-3403	34	3	examines	examine	VERB
fsr-3403	34	4	the	the	DET
fsr-3403	34	5	likelihood	likelihood	NOUN
fsr-3403	34	6	of	of	ADP
fsr-3403	34	7	risky	risky	ADJ
fsr-3403	34	8	asset	asset	NOUN
fsr-3403	34	9	ownership	ownership	NOUN
fsr-3403	34	10	and	and	CCONJ
fsr-3403	34	11	can	can	AUX
fsr-3403	34	12	be	be	AUX
fsr-3403	34	13	indicative	indicative	ADJ
fsr-3403	34	14	of	of	ADP
fsr-3403	34	15	access	access	NOUN
fsr-3403	34	16	barriers	barrier	NOUN
fsr-3403	34	17	.	.	PUNCT
fsr-3403	35	1	stage	stage	NOUN
fsr-3403	35	2	two	two	NUM
fsr-3403	35	3	examines	examine	VERB
fsr-3403	35	4	risky	risky	ADJ
fsr-3403	35	5	asset	asset	NOUN
fsr-3403	35	6	allocation	allocation	NOUN
fsr-3403	35	7	and	and	CCONJ
fsr-3403	35	8	can	can	AUX
fsr-3403	35	9	be	be	AUX
fsr-3403	35	10	reflective	reflective	ADJ
fsr-3403	35	11	of	of	ADP
fsr-3403	35	12	attitude	attitude	NOUN
fsr-3403	35	13	and	and	CCONJ
fsr-3403	35	14	preferences	preference	NOUN
fsr-3403	35	15	.	.	PUNCT
fsr-3403	36	1	our	our	PRON
fsr-3403	36	2	methodology	methodology	NOUN
fsr-3403	36	3	improves	improve	VERB
fsr-3403	36	4	on	on	ADP
fsr-3403	36	5	many	many	ADJ
fsr-3403	36	6	of	of	ADP
fsr-3403	36	7	the	the	DET
fsr-3403	36	8	theoretical	theoretical	ADJ
fsr-3403	36	9	predictions	prediction	NOUN
fsr-3403	36	10	of	of	ADP
fsr-3403	36	11	the	the	DET
fsr-3403	36	12	classical	classical	ADJ
fsr-3403	36	13	portfolio	portfolio	NOUN
fsr-3403	36	14	theory	theory	NOUN
fsr-3403	36	15	that	that	PRON
fsr-3403	36	16	refer	refer	VERB
fsr-3403	36	17	to	to	ADP
fsr-3403	36	18	asset	asset	NOUN
fsr-3403	36	19	shares	share	NOUN
fsr-3403	36	20	,	,	PUNCT
fsr-3403	36	21	not	not	PART
fsr-3403	36	22	to	to	PART
fsr-3403	36	23	participation	participation	VERB
fsr-3403	36	24	decisions	decision	NOUN
fsr-3403	36	25	(	(	PUNCT
fsr-3403	36	26	cf	cf	NOUN
fsr-3403	36	27	.	.	PUNCT
fsr-3403	37	1	campbell	campbell	PROPN
fsr-3403	37	2	et	et	PROPN
fsr-3403	37	3	al	al	PROPN
fsr-3403	37	4	.	.	PROPN
fsr-3403	37	5	,	,	PUNCT
fsr-3403	37	6	2003	2003	NUM
fsr-3403	37	7	)	)	PUNCT
fsr-3403	37	8	.	.	PUNCT
fsr-3403	38	1	our	our	PRON
fsr-3403	38	2	results	result	NOUN
fsr-3403	38	3	show	show	VERB
fsr-3403	38	4	that	that	SCONJ
fsr-3403	38	5	the	the	DET
fsr-3403	38	6	participation	participation	NOUN
fsr-3403	38	7	and	and	CCONJ
fsr-3403	38	8	allocation	allocation	NOUN
fsr-3403	38	9	decisions	decision	NOUN
fsr-3403	38	10	are	be	AUX
fsr-3403	38	11	determined	determine	VERB
fsr-3403	38	12	by	by	ADP
fsr-3403	38	13	distinct	distinct	ADJ
fsr-3403	38	14	factors	factor	NOUN
fsr-3403	38	15	.	.	PUNCT
fsr-3403	39	1	we	we	PRON
fsr-3403	39	2	also	also	ADV
fsr-3403	39	3	incorporate	incorporate	VERB
fsr-3403	39	4	household	household	NOUN
fsr-3403	39	5	debt	debt	NOUN
fsr-3403	39	6	structure	structure	NOUN
fsr-3403	39	7	in	in	ADP
fsr-3403	39	8	the	the	DET
fsr-3403	39	9	analysis	analysis	NOUN
fsr-3403	39	10	.	.	PUNCT
fsr-3403	40	1	while	while	SCONJ
fsr-3403	40	2	households	household	NOUN
fsr-3403	40	3	’	'	PUNCT
fsr-3403	40	4	decision	decision	NOUN
fsr-3403	40	5	to	to	PART
fsr-3403	40	6	invest	invest	VERB
fsr-3403	40	7	in	in	ADP
fsr-3403	40	8	risky	risky	ADJ
fsr-3403	40	9	asset	asset	NOUN
fsr-3403	40	10	may	may	AUX
fsr-3403	40	11	well	well	ADV
fsr-3403	40	12	be	be	AUX
fsr-3403	40	13	influenced	influence	VERB
fsr-3403	40	14	by	by	ADP
fsr-3403	40	15	demographic	demographic	ADJ
fsr-3403	40	16	factors	factor	NOUN
fsr-3403	40	17	,	,	PUNCT
fsr-3403	40	18	income	income	NOUN
fsr-3403	40	19	,	,	PUNCT
fsr-3403	40	20	and	and	CCONJ
fsr-3403	40	21	risk	risk	NOUN
fsr-3403	40	22	attitude	attitude	NOUN
fsr-3403	40	23	,	,	PUNCT
fsr-3403	40	24	the	the	DET
fsr-3403	40	25	decision	decision	NOUN
fsr-3403	40	26	is	be	AUX
fsr-3403	40	27	also	also	ADV
fsr-3403	40	28	likely	likely	ADJ
fsr-3403	40	29	to	to	PART
fsr-3403	40	30	be	be	AUX
fsr-3403	40	31	affected	affect	VERB
fsr-3403	40	32	by	by	ADP
fsr-3403	40	33	the	the	DET
fsr-3403	40	34	households	household	NOUN
fsr-3403	40	35	’	'	PUNCT
fsr-3403	40	36	debt	debt	NOUN
fsr-3403	40	37	holding	holding	NOUN
fsr-3403	40	38	.	.	PUNCT
fsr-3403	41	1	for	for	ADP
fsr-3403	41	2	example	example	NOUN
fsr-3403	41	3	,	,	PUNCT
fsr-3403	41	4	households	household	NOUN
fsr-3403	41	5	with	with	ADP
fsr-3403	41	6	large	large	ADJ
fsr-3403	41	7	portion	portion	NOUN
fsr-3403	41	8	of	of	ADP
fsr-3403	41	9	mortgage	mortgage	NOUN
fsr-3403	41	10	debt	debt	NOUN
fsr-3403	41	11	may	may	AUX
fsr-3403	41	12	hold	hold	VERB
fsr-3403	41	13	safer	safe	ADJ
fsr-3403	41	14	assets	asset	NOUN
fsr-3403	41	15	to	to	PART
fsr-3403	41	16	plan	plan	VERB
fsr-3403	41	17	for	for	ADP
fsr-3403	41	18	expenses	expense	NOUN
fsr-3403	41	19	with	with	ADP
fsr-3403	41	20	fixed	fix	VERB
fsr-3403	41	21	payment	payment	NOUN
fsr-3403	41	22	schedule	schedule	NOUN
fsr-3403	41	23	(	(	PUNCT
fsr-3403	41	24	faig	faig	NOUN
fsr-3403	41	25	and	and	CCONJ
fsr-3403	41	26	shum	shum	ADJ
fsr-3403	41	27	,	,	PUNCT
fsr-3403	41	28	2002	2002	NUM
fsr-3403	41	29	)	)	PUNCT
fsr-3403	41	30	.	.	PUNCT
fsr-3403	42	1	furthermore	furthermore	ADV
fsr-3403	42	2	,	,	PUNCT
fsr-3403	42	3	optimal	optimal	ADJ
fsr-3403	42	4	household	household	NOUN
fsr-3403	42	5	portfolio	portfolio	NOUN
fsr-3403	42	6	may	may	AUX
fsr-3403	42	7	require	require	VERB
fsr-3403	42	8	the	the	DET
fsr-3403	42	9	households	household	NOUN
fsr-3403	42	10	to	to	PART
fsr-3403	42	11	make	make	VERB
fsr-3403	42	12	asset	asset	NOUN
fsr-3403	42	13	allocation	allocation	NOUN
fsr-3403	42	14	and	and	CCONJ
fsr-3403	42	15	debt	debt	NOUN
fsr-3403	42	16	allocation	allocation	NOUN
fsr-3403	42	17	326	326	NUM
fsr-3403	42	18	r.	r.	PROPN
fsr-3403	42	19	tao	tao	PROPN
fsr-3403	42	20	,	,	PUNCT
fsr-3403	42	21	y.	y.	PROPN
fsr-3403	42	22	yuan	yuan	PROPN
fsr-3403	42	23	/	/	SYM
fsr-3403	42	24	financial	financial	ADJ
fsr-3403	42	25	services	service	NOUN
fsr-3403	42	26	review	review	VERB
fsr-3403	42	27	27	27	NUM
fsr-3403	42	28	(	(	PUNCT
fsr-3403	42	29	2018	2018	NUM
fsr-3403	42	30	)	)	PUNCT
fsr-3403	42	31	325	325	NUM
fsr-3403	42	32	-	-	SYM
fsr-3403	42	33	344	344	NUM
fsr-3403	42	34	decisions	decision	NOUN
fsr-3403	42	35	together	together	ADV
fsr-3403	42	36	.	.	PUNCT
fsr-3403	43	1	policy	policy	NOUN
fsr-3403	43	2	-	-	PUNCT
fsr-3403	43	3	makers	maker	NOUN
fsr-3403	43	4	also	also	ADV
fsr-3403	43	5	noted	note	VERB
fsr-3403	43	6	the	the	DET
fsr-3403	43	7	importance	importance	NOUN
fsr-3403	43	8	of	of	ADP
fsr-3403	43	9	analyzing	analyze	VERB
fsr-3403	43	10	household	household	NOUN
fsr-3403	43	11	financial	financial	ADJ
fsr-3403	43	12	assets	asset	NOUN
fsr-3403	43	13	and	and	CCONJ
fsr-3403	43	14	liabilities	liability	NOUN
fsr-3403	43	15	together	together	ADV
fsr-3403	43	16	(	(	PUNCT
fsr-3403	43	17	brown	brown	PROPN
fsr-3403	43	18	et	et	PROPN
fsr-3403	43	19	al	al	PROPN
fsr-3403	43	20	.	.	PROPN
fsr-3403	43	21	,	,	PUNCT
fsr-3403	43	22	2015	2015	NUM
fsr-3403	43	23	)	)	PUNCT
fsr-3403	43	24	.	.	PUNCT
fsr-3403	44	1	however	however	ADV
fsr-3403	44	2	,	,	PUNCT
fsr-3403	44	3	the	the	DET
fsr-3403	44	4	interactions	interaction	NOUN
fsr-3403	44	5	between	between	ADP
fsr-3403	44	6	the	the	DET
fsr-3403	44	7	liability	liability	NOUN
fsr-3403	44	8	and	and	CCONJ
fsr-3403	44	9	asset	asset	NOUN
fsr-3403	44	10	of	of	ADP
fsr-3403	44	11	household	household	NOUN
fsr-3403	44	12	finances	finance	NOUN
fsr-3403	44	13	are	be	AUX
fsr-3403	44	14	largely	largely	ADV
fsr-3403	44	15	unknown	unknown	ADJ
fsr-3403	44	16	and	and	CCONJ
fsr-3403	44	17	often	often	ADV
fsr-3403	44	18	lack	lack	VERB
fsr-3403	44	19	theoretical	theoretical	ADJ
fsr-3403	44	20	modeling	modeling	NOUN
fsr-3403	44	21	.	.	PUNCT
fsr-3403	45	1	given	give	VERB
fsr-3403	45	2	that	that	SCONJ
fsr-3403	45	3	assets	asset	NOUN
fsr-3403	45	4	and	and	CCONJ
fsr-3403	45	5	debt	debt	NOUN
fsr-3403	45	6	each	each	DET
fsr-3403	45	7	display	display	NOUN
fsr-3403	45	8	only	only	ADV
fsr-3403	45	9	one	one	NUM
fsr-3403	45	10	side	side	NOUN
fsr-3403	45	11	of	of	ADP
fsr-3403	45	12	the	the	DET
fsr-3403	45	13	household	household	NOUN
fsr-3403	45	14	’s	’s	PART
fsr-3403	45	15	balance	balance	NOUN
fsr-3403	45	16	sheet	sheet	NOUN
fsr-3403	45	17	and	and	CCONJ
fsr-3403	45	18	the	the	DET
fsr-3403	45	19	decision	decision	NOUN
fsr-3403	45	20	of	of	ADP
fsr-3403	45	21	asset	asset	NOUN
fsr-3403	45	22	and	and	CCONJ
fsr-3403	45	23	debt	debt	NOUN
fsr-3403	45	24	allocations	allocation	NOUN
fsr-3403	45	25	can	can	AUX
fsr-3403	45	26	not	not	PART
fsr-3403	45	27	be	be	AUX
fsr-3403	45	28	separated	separate	VERB
fsr-3403	45	29	,	,	PUNCT
fsr-3403	45	30	we	we	PRON
fsr-3403	45	31	look	look	VERB
fsr-3403	45	32	at	at	ADP
fsr-3403	45	33	both	both	DET
fsr-3403	45	34	sides	side	NOUN
fsr-3403	45	35	of	of	ADP
fsr-3403	45	36	the	the	DET
fsr-3403	45	37	balance	balance	NOUN
fsr-3403	45	38	sheet	sheet	NOUN
fsr-3403	45	39	simultaneously	simultaneously	ADV
fsr-3403	45	40	via	via	ADP
fsr-3403	45	41	a	a	DET
fsr-3403	45	42	bivariate	bivariate	ADJ
fsr-3403	45	43	model	model	NOUN
fsr-3403	45	44	.	.	PUNCT
fsr-3403	46	1	our	our	PRON
fsr-3403	46	2	findings	finding	NOUN
fsr-3403	46	3	strongly	strongly	ADV
fsr-3403	46	4	support	support	VERB
fsr-3403	46	5	the	the	DET
fsr-3403	46	6	hypothesis	hypothesis	NOUN
fsr-3403	46	7	that	that	PRON
fsr-3403	46	8	both	both	PRON
fsr-3403	46	9	simultaneity	simultaneity	NOUN
fsr-3403	46	10	and	and	CCONJ
fsr-3403	46	11	cross	cross	ADJ
fsr-3403	46	12	-	-	ADJ
fsr-3403	46	13	causality	causality	NOUN
fsr-3403	46	14	effects	effect	NOUN
fsr-3403	46	15	affect	affect	VERB
fsr-3403	46	16	the	the	DET
fsr-3403	46	17	portfolio	portfolio	NOUN
fsr-3403	46	18	composition	composition	NOUN
fsr-3403	46	19	of	of	ADP
fsr-3403	46	20	households	household	NOUN
fsr-3403	46	21	.	.	PUNCT
fsr-3403	47	1	this	this	DET
fsr-3403	47	2	study	study	NOUN
fsr-3403	47	3	provides	provide	VERB
fsr-3403	47	4	several	several	ADJ
fsr-3403	47	5	new	new	ADJ
fsr-3403	47	6	findings	finding	NOUN
fsr-3403	47	7	.	.	PUNCT
fsr-3403	48	1	first	first	ADV
fsr-3403	48	2	,	,	PUNCT
fsr-3403	48	3	the	the	DET
fsr-3403	48	4	ratio	ratio	NOUN
fsr-3403	48	5	of	of	ADP
fsr-3403	48	6	secured	secured	ADJ
fsr-3403	48	7	debt	debt	NOUN
fsr-3403	48	8	does	do	AUX
fsr-3403	48	9	not	not	PART
fsr-3403	48	10	significantly	significantly	ADV
fsr-3403	48	11	affect	affect	VERB
fsr-3403	48	12	the	the	DET
fsr-3403	48	13	household	household	NOUN
fsr-3403	48	14	’s	’s	PART
fsr-3403	48	15	participation	participation	NOUN
fsr-3403	48	16	in	in	ADP
fsr-3403	48	17	risky	risky	ADJ
fsr-3403	48	18	asset	asset	NOUN
fsr-3403	48	19	investment	investment	NOUN
fsr-3403	48	20	,	,	PUNCT
fsr-3403	48	21	but	but	CCONJ
fsr-3403	48	22	it	it	PRON
fsr-3403	48	23	does	do	AUX
fsr-3403	48	24	have	have	VERB
fsr-3403	48	25	a	a	DET
fsr-3403	48	26	significant	significant	ADJ
fsr-3403	48	27	impact	impact	NOUN
fsr-3403	48	28	on	on	ADP
fsr-3403	48	29	the	the	DET
fsr-3403	48	30	portfolio	portfolio	NOUN
fsr-3403	48	31	share	share	NOUN
fsr-3403	48	32	of	of	ADP
fsr-3403	48	33	risky	risky	ADJ
fsr-3403	48	34	assets	asset	NOUN
fsr-3403	48	35	,	,	PUNCT
fsr-3403	48	36	conditional	conditional	ADJ
fsr-3403	48	37	on	on	ADP
fsr-3403	48	38	holding	hold	VERB
fsr-3403	48	39	them	they	PRON
fsr-3403	48	40	.	.	PUNCT
fsr-3403	49	1	second	second	ADV
fsr-3403	49	2	,	,	PUNCT
fsr-3403	49	3	we	we	PRON
fsr-3403	49	4	find	find	VERB
fsr-3403	49	5	higher	high	ADJ
fsr-3403	49	6	secured	secure	VERB
fsr-3403	49	7	debt	debt	NOUN
fsr-3403	49	8	ratio	ratio	NOUN
fsr-3403	49	9	is	be	AUX
fsr-3403	49	10	positively	positively	ADV
fsr-3403	49	11	correlated	correlate	VERB
fsr-3403	49	12	with	with	ADP
fsr-3403	49	13	conditional	conditional	ADJ
fsr-3403	49	14	risky	risky	ADJ
fsr-3403	49	15	asset	asset	NOUN
fsr-3403	49	16	shares	share	NOUN
fsr-3403	49	17	.	.	PUNCT
fsr-3403	50	1	because	because	SCONJ
fsr-3403	50	2	a	a	DET
fsr-3403	50	3	large	large	ADJ
fsr-3403	50	4	proportion	proportion	NOUN
fsr-3403	50	5	of	of	ADP
fsr-3403	50	6	household	household	NOUN
fsr-3403	50	7	secured	secure	VERB
fsr-3403	50	8	debt	debt	NOUN
fsr-3403	50	9	is	be	AUX
fsr-3403	50	10	mortgage	mortgage	NOUN
fsr-3403	50	11	debt	debt	NOUN
fsr-3403	50	12	,	,	PUNCT
fsr-3403	50	13	this	this	DET
fsr-3403	50	14	result	result	NOUN
fsr-3403	50	15	seems	seem	VERB
fsr-3403	50	16	to	to	PART
fsr-3403	50	17	contradict	contradict	VERB
fsr-3403	50	18	the	the	DET
fsr-3403	50	19	well	well	ADV
fsr-3403	50	20	-	-	PUNCT
fsr-3403	50	21	known	know	VERB
fsr-3403	50	22	crowding	crowd	VERB
fsr-3403	50	23	-	-	PUNCT
fsr-3403	50	24	out	out	ADP
fsr-3403	50	25	effect	effect	NOUN
fsr-3403	50	26	of	of	ADP
fsr-3403	50	27	home	home	NOUN
fsr-3403	50	28	ownership	ownership	NOUN
fsr-3403	50	29	.	.	PUNCT
fsr-3403	51	1	third	third	ADJ
fsr-3403	51	2	,	,	PUNCT
fsr-3403	51	3	we	we	PRON
fsr-3403	51	4	identify	identify	VERB
fsr-3403	51	5	a	a	DET
fsr-3403	51	6	set	set	NOUN
fsr-3403	51	7	of	of	ADP
fsr-3403	51	8	factors	factor	NOUN
fsr-3403	51	9	(	(	PUNCT
fsr-3403	51	10	such	such	ADJ
fsr-3403	51	11	as	as	ADP
fsr-3403	51	12	age	age	NOUN
fsr-3403	51	13	and	and	CCONJ
fsr-3403	51	14	education	education	NOUN
fsr-3403	51	15	of	of	ADP
fsr-3403	51	16	household	household	NOUN
fsr-3403	51	17	head	head	NOUN
fsr-3403	51	18	,	,	PUNCT
fsr-3403	51	19	income	income	NOUN
fsr-3403	51	20	,	,	PUNCT
fsr-3403	51	21	and	and	CCONJ
fsr-3403	51	22	liquidity	liquidity	NOUN
fsr-3403	51	23	constraints	constraint	NOUN
fsr-3403	51	24	)	)	PUNCT
fsr-3403	51	25	that	that	PRON
fsr-3403	51	26	significantly	significantly	ADV
fsr-3403	51	27	influence	influence	VERB
fsr-3403	51	28	the	the	DET
fsr-3403	51	29	debt	debt	NOUN
fsr-3403	51	30	structure	structure	NOUN
fsr-3403	51	31	and	and	CCONJ
fsr-3403	51	32	risky	risky	ADJ
fsr-3403	51	33	asset	asset	NOUN
fsr-3403	51	34	allocation	allocation	NOUN
fsr-3403	51	35	simultaneously	simultaneously	ADV
fsr-3403	51	36	.	.	PUNCT
fsr-3403	52	1	the	the	DET
fsr-3403	52	2	remainder	remainder	NOUN
fsr-3403	52	3	of	of	ADP
fsr-3403	52	4	this	this	DET
fsr-3403	52	5	paper	paper	NOUN
fsr-3403	52	6	proceeds	proceed	NOUN
fsr-3403	52	7	as	as	SCONJ
fsr-3403	52	8	follows	follow	VERB
fsr-3403	52	9	.	.	PUNCT
fsr-3403	53	1	section	section	NOUN
fsr-3403	53	2	2	2	NUM
fsr-3403	53	3	provides	provide	VERB
fsr-3403	53	4	theoretical	theoretical	ADJ
fsr-3403	53	5	background	background	NOUN
fsr-3403	53	6	of	of	ADP
fsr-3403	53	7	the	the	DET
fsr-3403	53	8	joint	joint	ADJ
fsr-3403	53	9	decision	decision	NOUN
fsr-3403	53	10	of	of	ADP
fsr-3403	53	11	asset	asset	NOUN
fsr-3403	53	12	and	and	CCONJ
fsr-3403	53	13	debt	debt	NOUN
fsr-3403	53	14	allocations	allocation	NOUN
fsr-3403	53	15	and	and	CCONJ
fsr-3403	53	16	reviews	review	VERB
fsr-3403	53	17	the	the	DET
fsr-3403	53	18	strand	strand	NOUN
fsr-3403	53	19	of	of	ADP
fsr-3403	53	20	literature	literature	NOUN
fsr-3403	53	21	related	relate	VERB
fsr-3403	53	22	to	to	ADP
fsr-3403	53	23	both	both	DET
fsr-3403	53	24	asset	asset	NOUN
fsr-3403	53	25	and	and	CCONJ
fsr-3403	53	26	liability	liability	NOUN
fsr-3403	53	27	of	of	ADP
fsr-3403	53	28	the	the	DET
fsr-3403	53	29	household	household	NOUN
fsr-3403	53	30	’s	’s	PART
fsr-3403	53	31	portfolio	portfolio	NOUN
fsr-3403	53	32	.	.	PUNCT
fsr-3403	54	1	section	section	NOUN
fsr-3403	54	2	3	3	NUM
fsr-3403	54	3	describes	describe	VERB
fsr-3403	54	4	methodologies	methodology	NOUN
fsr-3403	54	5	and	and	CCONJ
fsr-3403	54	6	the	the	DET
fsr-3403	54	7	econometric	econometric	ADJ
fsr-3403	54	8	models	model	NOUN
fsr-3403	54	9	.	.	PUNCT
fsr-3403	55	1	section	section	NOUN
fsr-3403	55	2	4	4	NUM
fsr-3403	55	3	presents	present	VERB
fsr-3403	55	4	data	datum	NOUN
fsr-3403	55	5	selection	selection	NOUN
fsr-3403	55	6	and	and	CCONJ
fsr-3403	55	7	variable	variable	ADJ
fsr-3403	55	8	construction	construction	NOUN
fsr-3403	55	9	.	.	PUNCT
fsr-3403	56	1	in	in	ADP
fsr-3403	56	2	section	section	NOUN
fsr-3403	56	3	5	5	NUM
fsr-3403	56	4	,	,	PUNCT
fsr-3403	56	5	we	we	PRON
fsr-3403	56	6	report	report	VERB
fsr-3403	56	7	and	and	CCONJ
fsr-3403	56	8	analyze	analyze	VERB
fsr-3403	56	9	the	the	DET
fsr-3403	56	10	empirical	empirical	ADJ
fsr-3403	56	11	results	result	NOUN
fsr-3403	56	12	.	.	PUNCT
fsr-3403	57	1	section	section	NOUN
fsr-3403	57	2	6	6	NUM
fsr-3403	57	3	concludes	conclude	VERB
fsr-3403	57	4	the	the	DET
fsr-3403	57	5	paper	paper	NOUN
fsr-3403	57	6	and	and	CCONJ
fsr-3403	57	7	provides	provide	VERB
fsr-3403	57	8	policy	policy	NOUN
fsr-3403	57	9	recommendations	recommendation	NOUN
fsr-3403	57	10	.	.	PUNCT
fsr-3403	58	1	2	2	X
fsr-3403	58	2	.	.	X
fsr-3403	58	3	joint	joint	ADJ
fsr-3403	58	4	decision	decision	NOUN
fsr-3403	58	5	of	of	ADP
fsr-3403	58	6	asset	asset	NOUN
fsr-3403	58	7	and	and	CCONJ
fsr-3403	58	8	debt	debt	NOUN
fsr-3403	58	9	allocations	allocation	NOUN
fsr-3403	58	10	in	in	ADP
fsr-3403	58	11	theory	theory	NOUN
fsr-3403	58	12	,	,	PUNCT
fsr-3403	58	13	the	the	DET
fsr-3403	58	14	demand	demand	NOUN
fsr-3403	58	15	for	for	ADP
fsr-3403	58	16	any	any	DET
fsr-3403	58	17	asset	asset	NOUN
fsr-3403	58	18	or	or	CCONJ
fsr-3403	58	19	liability	liability	NOUN
fsr-3403	58	20	can	can	AUX
fsr-3403	58	21	be	be	AUX
fsr-3403	58	22	derived	derive	VERB
fsr-3403	58	23	from	from	ADP
fsr-3403	58	24	a	a	DET
fsr-3403	58	25	portfolio	portfolio	NOUN
fsr-3403	58	26	choice	choice	NOUN
fsr-3403	58	27	model	model	NOUN
fsr-3403	58	28	in	in	ADP
fsr-3403	58	29	which	which	PRON
fsr-3403	58	30	households	household	NOUN
fsr-3403	58	31	maximize	maximize	VERB
fsr-3403	58	32	expected	expect	VERB
fsr-3403	58	33	utility	utility	NOUN
fsr-3403	58	34	subject	subject	ADJ
fsr-3403	58	35	to	to	ADP
fsr-3403	58	36	their	their	PRON
fsr-3403	58	37	budget	budget	NOUN
fsr-3403	58	38	constraints	constraint	NOUN
fsr-3403	58	39	.	.	PUNCT
fsr-3403	59	1	consumers	consumer	NOUN
fsr-3403	59	2	’	’	PART
fsr-3403	59	3	asset	asset	NOUN
fsr-3403	59	4	allocation	allocation	NOUN
fsr-3403	59	5	decision	decision	NOUN
fsr-3403	59	6	should	should	AUX
fsr-3403	59	7	depend	depend	VERB
fsr-3403	59	8	on	on	ADP
fsr-3403	59	9	the	the	DET
fsr-3403	59	10	existing	exist	VERB
fsr-3403	59	11	liability	liability	NOUN
fsr-3403	59	12	structure	structure	NOUN
fsr-3403	59	13	.	.	PUNCT
fsr-3403	60	1	for	for	ADP
fsr-3403	60	2	instance	instance	NOUN
fsr-3403	60	3	,	,	PUNCT
fsr-3403	60	4	holding	hold	VERB
fsr-3403	60	5	a	a	DET
fsr-3403	60	6	mortgage	mortgage	NOUN
fsr-3403	60	7	leaves	leave	VERB
fsr-3403	60	8	the	the	DET
fsr-3403	60	9	household	household	NOUN
fsr-3403	60	10	with	with	ADP
fsr-3403	60	11	less	less	ADV
fsr-3403	60	12	spendable	spendable	ADJ
fsr-3403	60	13	income	income	NOUN
fsr-3403	60	14	,	,	PUNCT
fsr-3403	60	15	and	and	CCONJ
fsr-3403	60	16	the	the	DET
fsr-3403	60	17	mortgage	mortgage	NOUN
fsr-3403	60	18	payments	payment	NOUN
fsr-3403	60	19	require	require	VERB
fsr-3403	60	20	the	the	DET
fsr-3403	60	21	household	household	NOUN
fsr-3403	60	22	to	to	PART
fsr-3403	60	23	maintain	maintain	VERB
fsr-3403	60	24	certain	certain	ADJ
fsr-3403	60	25	liquid	liquid	NOUN
fsr-3403	60	26	and	and	CCONJ
fsr-3403	60	27	less	less	ADV
fsr-3403	60	28	risky	risky	ADJ
fsr-3403	60	29	assets	asset	NOUN
fsr-3403	60	30	.	.	PUNCT
fsr-3403	61	1	on	on	ADP
fsr-3403	61	2	the	the	DET
fsr-3403	61	3	liability	liability	NOUN
fsr-3403	61	4	side	side	NOUN
fsr-3403	61	5	of	of	ADP
fsr-3403	61	6	the	the	DET
fsr-3403	61	7	household	household	NOUN
fsr-3403	61	8	portfolio	portfolio	NOUN
fsr-3403	61	9	,	,	PUNCT
fsr-3403	61	10	debt	debt	NOUN
fsr-3403	61	11	structure	structure	NOUN
fsr-3403	61	12	is	be	AUX
fsr-3403	61	13	also	also	ADV
fsr-3403	61	14	interdependent	interdependent	ADJ
fsr-3403	61	15	on	on	ADP
fsr-3403	61	16	asset	asset	NOUN
fsr-3403	61	17	allocation	allocation	NOUN
fsr-3403	61	18	decisions	decision	NOUN
fsr-3403	61	19	.	.	PUNCT
fsr-3403	62	1	therefore	therefore	ADV
fsr-3403	62	2	,	,	PUNCT
fsr-3403	62	3	the	the	DET
fsr-3403	62	4	allocation	allocation	NOUN
fsr-3403	62	5	of	of	ADP
fsr-3403	62	6	debt	debt	NOUN
fsr-3403	62	7	and	and	CCONJ
fsr-3403	62	8	the	the	DET
fsr-3403	62	9	allocation	allocation	NOUN
fsr-3403	62	10	of	of	ADP
fsr-3403	62	11	assets	asset	NOUN
fsr-3403	62	12	must	must	AUX
fsr-3403	62	13	be	be	AUX
fsr-3403	62	14	considered	consider	VERB
fsr-3403	62	15	jointly	jointly	ADV
fsr-3403	62	16	.	.	PUNCT
fsr-3403	63	1	however	however	ADV
fsr-3403	63	2	,	,	PUNCT
fsr-3403	63	3	empirical	empirical	ADJ
fsr-3403	63	4	research	research	NOUN
fsr-3403	63	5	on	on	ADP
fsr-3403	63	6	household	household	NOUN
fsr-3403	63	7	portfolio	portfolio	NOUN
fsr-3403	63	8	structure	structure	NOUN
fsr-3403	63	9	often	often	ADV
fsr-3403	63	10	investigates	investigate	VERB
fsr-3403	63	11	a	a	DET
fsr-3403	63	12	single	single	ADJ
fsr-3403	63	13	choice	choice	NOUN
fsr-3403	63	14	at	at	ADP
fsr-3403	63	15	a	a	DET
fsr-3403	63	16	time	time	NOUN
fsr-3403	63	17	.	.	PUNCT
fsr-3403	64	1	studies	study	NOUN
fsr-3403	64	2	on	on	ADP
fsr-3403	64	3	household	household	NOUN
fsr-3403	64	4	risky	risky	ADJ
fsr-3403	64	5	asset	asset	NOUN
fsr-3403	64	6	allocation	allocation	NOUN
fsr-3403	64	7	do	do	AUX
fsr-3403	64	8	not	not	PART
fsr-3403	64	9	specifically	specifically	ADV
fsr-3403	64	10	test	test	VERB
fsr-3403	64	11	the	the	DET
fsr-3403	64	12	effects	effect	NOUN
fsr-3403	64	13	of	of	ADP
fsr-3403	64	14	debt	debt	NOUN
fsr-3403	64	15	structure	structure	NOUN
fsr-3403	64	16	,	,	PUNCT
fsr-3403	64	17	while	while	SCONJ
fsr-3403	64	18	the	the	DET
fsr-3403	64	19	research	research	NOUN
fsr-3403	64	20	on	on	ADP
fsr-3403	64	21	consumer	consumer	NOUN
fsr-3403	64	22	liability	liability	NOUN
fsr-3403	64	23	often	often	ADV
fsr-3403	64	24	focuses	focus	VERB
fsr-3403	64	25	on	on	ADP
fsr-3403	64	26	analyzing	analyze	VERB
fsr-3403	64	27	the	the	DET
fsr-3403	64	28	effect	effect	NOUN
fsr-3403	64	29	of	of	ADP
fsr-3403	64	30	credit	credit	NOUN
fsr-3403	64	31	and	and	CCONJ
fsr-3403	64	32	liquidity	liquidity	NOUN
fsr-3403	64	33	constraints	constraint	NOUN
fsr-3403	64	34	that	that	PRON
fsr-3403	64	35	households	household	NOUN
fsr-3403	64	36	face	face	VERB
fsr-3403	64	37	without	without	ADP
fsr-3403	64	38	considering	consider	VERB
fsr-3403	64	39	the	the	DET
fsr-3403	64	40	asset	asset	NOUN
fsr-3403	64	41	structure	structure	NOUN
fsr-3403	64	42	of	of	ADP
fsr-3403	64	43	the	the	DET
fsr-3403	64	44	households	household	NOUN
fsr-3403	64	45	(	(	PUNCT
fsr-3403	64	46	cf	cf	NOUN
fsr-3403	64	47	.	.	PUNCT
fsr-3403	64	48	brown	brown	PROPN
fsr-3403	64	49	et	et	PROPN
fsr-3403	64	50	al	al	PROPN
fsr-3403	64	51	.	.	PROPN
fsr-3403	64	52	,	,	PUNCT
fsr-3403	64	53	2005	2005	NUM
fsr-3403	64	54	;	;	PUNCT
fsr-3403	64	55	cox	cox	PROPN
fsr-3403	64	56	and	and	CCONJ
fsr-3403	64	57	jappelli	jappelli	PROPN
fsr-3403	64	58	,	,	PUNCT
fsr-3403	64	59	1993	1993	NUM
fsr-3403	64	60	)	)	PUNCT
fsr-3403	64	61	.	.	PUNCT
fsr-3403	65	1	to	to	ADP
fsr-3403	65	2	our	our	PRON
fsr-3403	65	3	knowledge	knowledge	NOUN
fsr-3403	65	4	,	,	PUNCT
fsr-3403	65	5	yilmazer	yilmazer	NOUN
fsr-3403	65	6	and	and	CCONJ
fsr-3403	65	7	devaney	devaney	PROPN
fsr-3403	65	8	(	(	PUNCT
fsr-3403	65	9	2005	2005	NUM
fsr-3403	65	10	)	)	PUNCT
fsr-3403	65	11	is	be	AUX
fsr-3403	65	12	the	the	DET
fsr-3403	65	13	only	only	ADJ
fsr-3403	65	14	study	study	NOUN
fsr-3403	65	15	that	that	PRON
fsr-3403	65	16	demonstrates	demonstrate	VERB
fsr-3403	65	17	significant	significant	ADJ
fsr-3403	65	18	effects	effect	NOUN
fsr-3403	65	19	of	of	ADP
fsr-3403	65	20	financial	financial	ADJ
fsr-3403	65	21	assets	asset	NOUN
fsr-3403	65	22	on	on	ADP
fsr-3403	65	23	household	household	NOUN
fsr-3403	65	24	debt	debt	NOUN
fsr-3403	65	25	.	.	PUNCT
fsr-3403	66	1	the	the	DET
fsr-3403	66	2	cross	cross	NOUN
fsr-3403	66	3	-	-	NOUN
fsr-3403	66	4	causality	causality	NOUN
fsr-3403	66	5	between	between	ADP
fsr-3403	66	6	debt	debt	NOUN
fsr-3403	66	7	and	and	CCONJ
fsr-3403	66	8	asset	asset	NOUN
fsr-3403	66	9	allocations	allocation	NOUN
fsr-3403	66	10	can	can	AUX
fsr-3403	66	11	be	be	AUX
fsr-3403	66	12	reflected	reflect	VERB
fsr-3403	66	13	by	by	ADP
fsr-3403	66	14	the	the	DET
fsr-3403	66	15	interactions	interaction	NOUN
fsr-3403	66	16	between	between	ADP
fsr-3403	66	17	financial	financial	ADJ
fsr-3403	66	18	and	and	CCONJ
fsr-3403	66	19	real	real	ADJ
fsr-3403	66	20	assets	asset	NOUN
fsr-3403	66	21	.	.	PUNCT
fsr-3403	67	1	cheung	cheung	PROPN
fsr-3403	67	2	and	and	CCONJ
fsr-3403	67	3	miu	miu	PROPN
fsr-3403	67	4	(	(	PUNCT
fsr-3403	67	5	2015	2015	NUM
fsr-3403	67	6	)	)	PUNCT
fsr-3403	67	7	demonstrate	demonstrate	VERB
fsr-3403	67	8	significant	significant	ADJ
fsr-3403	67	9	interaction	interaction	NOUN
fsr-3403	67	10	effect	effect	NOUN
fsr-3403	67	11	between	between	ADP
fsr-3403	67	12	financial	financial	ADJ
fsr-3403	67	13	assets	asset	NOUN
fsr-3403	67	14	and	and	CCONJ
fsr-3403	67	15	home	home	NOUN
fsr-3403	67	16	ownership	ownership	NOUN
fsr-3403	67	17	.	.	PUNCT
fsr-3403	68	1	beaubrun	beaubrun	VERB
fsr-3403	68	2	-	-	PUNCT
fsr-3403	68	3	diant	diant	NOUN
fsr-3403	68	4	and	and	CCONJ
fsr-3403	68	5	maury	maury	PROPN
fsr-3403	68	6	(	(	PUNCT
fsr-3403	68	7	2016	2016	NUM
fsr-3403	68	8	)	)	PUNCT
fsr-3403	68	9	analyze	analyze	VERB
fsr-3403	68	10	the	the	DET
fsr-3403	68	11	simultaneous	simultaneous	ADJ
fsr-3403	68	12	decisions	decision	NOUN
fsr-3403	68	13	of	of	ADP
fsr-3403	68	14	the	the	DET
fsr-3403	68	15	households	household	NOUN
fsr-3403	68	16	to	to	PART
fsr-3403	68	17	participate	participate	VERB
fsr-3403	68	18	in	in	ADP
fsr-3403	68	19	the	the	DET
fsr-3403	68	20	stock	stock	NOUN
fsr-3403	68	21	market	market	NOUN
fsr-3403	68	22	and	and	CCONJ
fsr-3403	68	23	327r	327r	NOUN
fsr-3403	68	24	.	.	PUNCT
fsr-3403	69	1	tao	tao	PROPN
fsr-3403	69	2	,	,	PUNCT
fsr-3403	69	3	y.	y.	PROPN
fsr-3403	69	4	yuan	yuan	PROPN
fsr-3403	69	5	/	/	SYM
fsr-3403	69	6	financial	financial	ADJ
fsr-3403	69	7	services	service	NOUN
fsr-3403	69	8	review	review	VERB
fsr-3403	69	9	27	27	NUM
fsr-3403	69	10	(	(	PUNCT
fsr-3403	69	11	2018	2018	NUM
fsr-3403	69	12	)	)	PUNCT
fsr-3403	69	13	325	325	NUM
fsr-3403	69	14	-	-	SYM
fsr-3403	69	15	344	344	NUM
fsr-3403	69	16	own	own	VERB
fsr-3403	69	17	their	their	PRON
fsr-3403	69	18	homes	home	NOUN
fsr-3403	69	19	.	.	PUNCT
fsr-3403	70	1	they	they	PRON
fsr-3403	70	2	provide	provide	VERB
fsr-3403	70	3	evidence	evidence	NOUN
fsr-3403	70	4	that	that	PRON
fsr-3403	70	5	homeand	homeand	VERB
fsr-3403	70	6	stock	stock	NOUN
fsr-3403	70	7	-	-	PUNCT
fsr-3403	70	8	ownership	ownership	NOUN
fsr-3403	70	9	decisions	decision	NOUN
fsr-3403	70	10	are	be	AUX
fsr-3403	70	11	taken	take	VERB
fsr-3403	70	12	simultaneously	simultaneously	ADV
fsr-3403	70	13	,	,	PUNCT
fsr-3403	70	14	therefore	therefore	ADV
fsr-3403	70	15	,	,	PUNCT
fsr-3403	70	16	rejecting	reject	VERB
fsr-3403	70	17	the	the	DET
fsr-3403	70	18	common	common	ADJ
fsr-3403	70	19	view	view	NOUN
fsr-3403	70	20	that	that	SCONJ
fsr-3403	70	21	these	these	DET
fsr-3403	70	22	decisions	decision	NOUN
fsr-3403	70	23	are	be	AUX
fsr-3403	70	24	made	make	VERB
fsr-3403	70	25	sequentially	sequentially	ADV
fsr-3403	70	26	.	.	PUNCT
fsr-3403	71	1	waggle	waggle	NOUN
fsr-3403	71	2	and	and	CCONJ
fsr-3403	71	3	johnson	johnson	PROPN
fsr-3403	71	4	(	(	PUNCT
fsr-3403	71	5	2003	2003	NUM
fsr-3403	71	6	)	)	PUNCT
fsr-3403	71	7	examine	examine	VERB
fsr-3403	71	8	the	the	DET
fsr-3403	71	9	impact	impact	NOUN
fsr-3403	71	10	of	of	ADP
fsr-3403	71	11	home	home	NOUN
fsr-3403	71	12	ownership	ownership	NOUN
fsr-3403	71	13	on	on	ADP
fsr-3403	71	14	portfolio	portfolio	NOUN
fsr-3403	71	15	decisions	decision	NOUN
fsr-3403	71	16	relating	relate	VERB
fsr-3403	71	17	to	to	ADP
fsr-3403	71	18	stocks	stock	NOUN
fsr-3403	71	19	and	and	CCONJ
fsr-3403	71	20	bonds	bond	NOUN
fsr-3403	71	21	.	.	PUNCT
fsr-3403	72	1	they	they	PRON
fsr-3403	72	2	find	find	VERB
fsr-3403	72	3	that	that	SCONJ
fsr-3403	72	4	young	young	ADJ
fsr-3403	72	5	homeowners	homeowner	NOUN
fsr-3403	72	6	with	with	ADP
fsr-3403	72	7	high	high	ADJ
fsr-3403	72	8	home	home	NOUN
fsr-3403	72	9	value	value	NOUN
fsr-3403	72	10	to	to	ADP
fsr-3403	72	11	net	net	ADJ
fsr-3403	72	12	worth	worth	ADJ
fsr-3403	72	13	ratios	ratio	NOUN
fsr-3403	72	14	should	should	AUX
fsr-3403	72	15	decrease	decrease	VERB
fsr-3403	72	16	the	the	DET
fsr-3403	72	17	amount	amount	NOUN
fsr-3403	72	18	of	of	ADP
fsr-3403	72	19	stocks	stock	NOUN
fsr-3403	72	20	in	in	ADP
fsr-3403	72	21	their	their	PRON
fsr-3403	72	22	portfolios	portfolio	NOUN
fsr-3403	72	23	.	.	PUNCT
fsr-3403	73	1	with	with	ADP
fsr-3403	73	2	lower	low	ADJ
fsr-3403	73	3	home	home	NOUN
fsr-3403	73	4	to	to	ADP
fsr-3403	73	5	net	net	ADJ
fsr-3403	73	6	worth	worth	ADJ
fsr-3403	73	7	ratios	ratio	NOUN
fsr-3403	73	8	,	,	PUNCT
fsr-3403	73	9	investors	investor	NOUN
fsr-3403	73	10	can	can	AUX
fsr-3403	73	11	maximize	maximize	VERB
fsr-3403	73	12	utility	utility	NOUN
fsr-3403	73	13	by	by	ADP
fsr-3403	73	14	having	have	VERB
fsr-3403	73	15	their	their	PRON
fsr-3403	73	16	houses	house	NOUN
fsr-3403	73	17	completely	completely	ADV
fsr-3403	73	18	paid	pay	VERB
fsr-3403	73	19	for	for	ADP
fsr-3403	73	20	and	and	CCONJ
fsr-3403	73	21	by	by	ADP
fsr-3403	73	22	holding	hold	VERB
fsr-3403	73	23	more	more	ADJ
fsr-3403	73	24	stocks	stock	NOUN
fsr-3403	73	25	.	.	PUNCT
fsr-3403	74	1	hu	hu	PROPN
fsr-3403	74	2	(	(	PUNCT
fsr-3403	74	3	2005	2005	NUM
fsr-3403	74	4	)	)	PUNCT
fsr-3403	74	5	shows	show	VERB
fsr-3403	74	6	that	that	SCONJ
fsr-3403	74	7	homeowners	homeowner	NOUN
fsr-3403	74	8	hold	hold	VERB
fsr-3403	74	9	a	a	DET
fsr-3403	74	10	higher	high	ADJ
fsr-3403	74	11	proportion	proportion	NOUN
fsr-3403	74	12	of	of	ADP
fsr-3403	74	13	equity	equity	NOUN
fsr-3403	74	14	in	in	ADP
fsr-3403	74	15	liquid	liquid	ADJ
fsr-3403	74	16	financial	financial	ADJ
fsr-3403	74	17	assets	asset	NOUN
fsr-3403	74	18	than	than	SCONJ
fsr-3403	74	19	renters	renter	NOUN
fsr-3403	74	20	do	do	VERB
fsr-3403	74	21	.	.	PUNCT
fsr-3403	75	1	existing	exist	VERB
fsr-3403	75	2	literature	literature	NOUN
fsr-3403	75	3	only	only	ADV
fsr-3403	75	4	indirectly	indirectly	ADV
fsr-3403	75	5	test	test	VERB
fsr-3403	75	6	the	the	DET
fsr-3403	75	7	effect	effect	NOUN
fsr-3403	75	8	of	of	ADP
fsr-3403	75	9	household	household	NOUN
fsr-3403	75	10	debt	debt	NOUN
fsr-3403	75	11	on	on	ADP
fsr-3403	75	12	risky	risky	ADJ
fsr-3403	75	13	asset	asset	NOUN
fsr-3403	75	14	allocation	allocation	NOUN
fsr-3403	75	15	.	.	PUNCT
fsr-3403	76	1	most	most	ADJ
fsr-3403	76	2	of	of	ADP
fsr-3403	76	3	these	these	DET
fsr-3403	76	4	studies	study	NOUN
fsr-3403	76	5	attempt	attempt	VERB
fsr-3403	76	6	to	to	PART
fsr-3403	76	7	empirically	empirically	ADV
fsr-3403	76	8	identify	identify	VERB
fsr-3403	76	9	factors	factor	NOUN
fsr-3403	76	10	explaining	explain	VERB
fsr-3403	76	11	household	household	NOUN
fsr-3403	76	12	financial	financial	ADJ
fsr-3403	76	13	asset	asset	NOUN
fsr-3403	76	14	allocation	allocation	NOUN
fsr-3403	76	15	while	while	SCONJ
fsr-3403	76	16	adding	add	VERB
fsr-3403	76	17	mortgage	mortgage	NOUN
fsr-3403	76	18	debt	debt	NOUN
fsr-3403	76	19	as	as	ADP
fsr-3403	76	20	an	an	DET
fsr-3403	76	21	explanatory	explanatory	ADJ
fsr-3403	76	22	variable	variable	NOUN
fsr-3403	76	23	(	(	PUNCT
fsr-3403	76	24	cf	cf	NOUN
fsr-3403	76	25	.	.	PUNCT
fsr-3403	76	26	cardak	cardak	PROPN
fsr-3403	76	27	and	and	CCONJ
fsr-3403	76	28	wilkins	wilkin	NOUN
fsr-3403	76	29	,	,	PUNCT
fsr-3403	76	30	2009	2009	NUM
fsr-3403	76	31	;	;	PUNCT
fsr-3403	76	32	cocco	cocco	PROPN
fsr-3403	76	33	,	,	PUNCT
fsr-3403	76	34	2005	2005	NUM
fsr-3403	76	35	;	;	PUNCT
fsr-3403	76	36	fratantoni	fratantoni	INTJ
fsr-3403	76	37	,	,	PUNCT
fsr-3403	76	38	1998	1998	NUM
fsr-3403	76	39	)	)	PUNCT
fsr-3403	76	40	.	.	PUNCT
fsr-3403	77	1	secured	secure	VERB
fsr-3403	77	2	debt	debt	NOUN
fsr-3403	77	3	,	,	PUNCT
fsr-3403	77	4	particularly	particularly	ADV
fsr-3403	77	5	mortgage	mortgage	NOUN
fsr-3403	77	6	,	,	PUNCT
fsr-3403	77	7	causes	cause	VERB
fsr-3403	77	8	liquidity	liquidity	NOUN
fsr-3403	77	9	constraint	constraint	NOUN
fsr-3403	77	10	on	on	ADP
fsr-3403	77	11	the	the	DET
fsr-3403	77	12	household	household	NOUN
fsr-3403	77	13	that	that	PRON
fsr-3403	77	14	influences	influence	VERB
fsr-3403	77	15	the	the	DET
fsr-3403	77	16	household	household	NOUN
fsr-3403	77	17	’s	’s	PART
fsr-3403	77	18	asset	asset	NOUN
fsr-3403	77	19	allocation	allocation	NOUN
fsr-3403	77	20	choice	choice	NOUN
fsr-3403	77	21	.	.	PUNCT
fsr-3403	78	1	faig	faig	PROPN
fsr-3403	78	2	and	and	CCONJ
fsr-3403	78	3	shum	shum	ADJ
fsr-3403	78	4	(	(	PUNCT
fsr-3403	78	5	2002	2002	NUM
fsr-3403	78	6	)	)	PUNCT
fsr-3403	78	7	identify	identify	VERB
fsr-3403	78	8	real	real	ADJ
fsr-3403	78	9	estate	estate	NOUN
fsr-3403	78	10	as	as	ADP
fsr-3403	78	11	both	both	CCONJ
fsr-3403	78	12	a	a	DET
fsr-3403	78	13	risky	risky	ADJ
fsr-3403	78	14	investment	investment	NOUN
fsr-3403	78	15	and	and	CCONJ
fsr-3403	78	16	a	a	DET
fsr-3403	78	17	personal	personal	ADJ
fsr-3403	78	18	illiquid	illiquid	ADJ
fsr-3403	78	19	project	project	NOUN
fsr-3403	78	20	,	,	PUNCT
fsr-3403	78	21	which	which	PRON
fsr-3403	78	22	incurs	incur	VERB
fsr-3403	78	23	penalties	penalty	NOUN
fsr-3403	78	24	if	if	SCONJ
fsr-3403	78	25	discontinued	discontinue	VERB
fsr-3403	78	26	.	.	PUNCT
fsr-3403	79	1	mortgage	mortgage	NOUN
fsr-3403	79	2	,	,	PUNCT
fsr-3403	79	3	property	property	NOUN
fsr-3403	79	4	tax	tax	NOUN
fsr-3403	79	5	,	,	PUNCT
fsr-3403	79	6	and	and	CCONJ
fsr-3403	79	7	utility	utility	NOUN
fsr-3403	79	8	payments	payment	NOUN
fsr-3403	79	9	regularly	regularly	ADV
fsr-3403	79	10	generate	generate	VERB
fsr-3403	79	11	liquidity	liquidity	NOUN
fsr-3403	79	12	needs	need	NOUN
fsr-3403	79	13	.	.	PUNCT
fsr-3403	80	1	their	their	PRON
fsr-3403	80	2	results	result	NOUN
fsr-3403	80	3	suggest	suggest	VERB
fsr-3403	80	4	that	that	SCONJ
fsr-3403	80	5	individuals	individual	NOUN
fsr-3403	80	6	who	who	PRON
fsr-3403	80	7	save	save	VERB
fsr-3403	80	8	to	to	PART
fsr-3403	80	9	invest	invest	VERB
fsr-3403	80	10	in	in	ADP
fsr-3403	80	11	their	their	PRON
fsr-3403	80	12	homes	home	NOUN
fsr-3403	80	13	hold	hold	VERB
fsr-3403	80	14	safer	safe	ADJ
fsr-3403	80	15	financial	financial	ADJ
fsr-3403	80	16	portfolios	portfolio	NOUN
fsr-3403	80	17	.	.	PUNCT
fsr-3403	81	1	recent	recent	ADJ
fsr-3403	81	2	studies	study	NOUN
fsr-3403	81	3	on	on	ADP
fsr-3403	81	4	the	the	DET
fsr-3403	81	5	effects	effect	NOUN
fsr-3403	81	6	of	of	ADP
fsr-3403	81	7	background	background	NOUN
fsr-3403	81	8	risks	risk	NOUN
fsr-3403	81	9	on	on	ADP
fsr-3403	81	10	household	household	NOUN
fsr-3403	81	11	portfolio	portfolio	NOUN
fsr-3403	81	12	allocation	allocation	NOUN
fsr-3403	81	13	often	often	ADV
fsr-3403	81	14	consider	consider	VERB
fsr-3403	81	15	mortgage	mortgage	NOUN
fsr-3403	81	16	payments	payment	NOUN
fsr-3403	81	17	as	as	ADP
fsr-3403	81	18	part	part	NOUN
fsr-3403	81	19	of	of	ADP
fsr-3403	81	20	the	the	DET
fsr-3403	81	21	“	"	PUNCT
fsr-3403	81	22	committed	committed	ADJ
fsr-3403	81	23	expenses	expense	NOUN
fsr-3403	81	24	.	.	PUNCT
fsr-3403	81	25	”	"	PUNCT
fsr-3403	82	1	research	research	NOUN
fsr-3403	82	2	in	in	ADP
fsr-3403	82	3	this	this	DET
fsr-3403	82	4	area	area	NOUN
fsr-3403	82	5	has	have	AUX
fsr-3403	82	6	identified	identify	VERB
fsr-3403	82	7	background	background	NOUN
fsr-3403	82	8	risks	risk	NOUN
fsr-3403	82	9	as	as	SCONJ
fsr-3403	82	10	associated	associate	VERB
fsr-3403	82	11	with	with	ADP
fsr-3403	82	12	a	a	DET
fsr-3403	82	13	number	number	NOUN
fsr-3403	82	14	of	of	ADP
fsr-3403	82	15	factors	factor	NOUN
fsr-3403	82	16	,	,	PUNCT
fsr-3403	82	17	including	include	VERB
fsr-3403	82	18	labor	labor	NOUN
fsr-3403	82	19	income	income	NOUN
fsr-3403	82	20	risks	risk	NOUN
fsr-3403	82	21	,	,	PUNCT
fsr-3403	82	22	committed	committed	ADJ
fsr-3403	82	23	expenditure	expenditure	NOUN
fsr-3403	82	24	,	,	PUNCT
fsr-3403	82	25	proprietary	proprietary	ADJ
fsr-3403	82	26	business	business	NOUN
fsr-3403	82	27	income	income	NOUN
fsr-3403	82	28	risks	risk	NOUN
fsr-3403	82	29	,	,	PUNCT
fsr-3403	82	30	and	and	CCONJ
fsr-3403	82	31	health	health	NOUN
fsr-3403	82	32	risks	risk	NOUN
fsr-3403	82	33	.	.	PUNCT
fsr-3403	83	1	background	background	NOUN
fsr-3403	83	2	risks	risk	NOUN
fsr-3403	83	3	lead	lead	VERB
fsr-3403	83	4	households	household	NOUN
fsr-3403	83	5	to	to	PART
fsr-3403	83	6	increase	increase	VERB
fsr-3403	83	7	precautionary	precautionary	ADJ
fsr-3403	83	8	savings	saving	NOUN
fsr-3403	83	9	and	and	CCONJ
fsr-3403	83	10	reduce	reduce	VERB
fsr-3403	83	11	risky	risky	ADJ
fsr-3403	83	12	asset	asset	NOUN
fsr-3403	83	13	holdings	holding	NOUN
fsr-3403	83	14	.	.	PUNCT
fsr-3403	84	1	fratantoni	fratantoni	NOUN
fsr-3403	84	2	(	(	PUNCT
fsr-3403	84	3	2001	2001	NUM
fsr-3403	84	4	)	)	PUNCT
fsr-3403	84	5	finds	find	VERB
fsr-3403	84	6	that	that	SCONJ
fsr-3403	84	7	mortgage	mortgage	NOUN
fsr-3403	84	8	commitments	commitment	NOUN
fsr-3403	84	9	and	and	CCONJ
fsr-3403	84	10	labor	labor	NOUN
fsr-3403	84	11	income	income	NOUN
fsr-3403	84	12	risk	risk	NOUN
fsr-3403	84	13	reduce	reduce	VERB
fsr-3403	84	14	household	household	NOUN
fsr-3403	84	15	risky	risky	ADJ
fsr-3403	84	16	assets	asset	NOUN
fsr-3403	84	17	holdings	holding	NOUN
fsr-3403	84	18	.	.	PUNCT
fsr-3403	85	1	it	it	PRON
fsr-3403	85	2	is	be	AUX
fsr-3403	85	3	worth	worth	ADJ
fsr-3403	85	4	noting	note	VERB
fsr-3403	85	5	that	that	SCONJ
fsr-3403	85	6	this	this	DET
fsr-3403	85	7	strand	strand	NOUN
fsr-3403	85	8	of	of	ADP
fsr-3403	85	9	literature	literature	NOUN
fsr-3403	85	10	does	do	AUX
fsr-3403	85	11	not	not	PART
fsr-3403	85	12	consider	consider	VERB
fsr-3403	85	13	the	the	DET
fsr-3403	85	14	household	household	NOUN
fsr-3403	85	15	’s	’s	PART
fsr-3403	85	16	debt	debt	NOUN
fsr-3403	85	17	structure	structure	NOUN
fsr-3403	85	18	,	,	PUNCT
fsr-3403	85	19	which	which	PRON
fsr-3403	85	20	is	be	AUX
fsr-3403	85	21	defined	define	VERB
fsr-3403	85	22	as	as	ADP
fsr-3403	85	23	the	the	DET
fsr-3403	85	24	ratio	ratio	NOUN
fsr-3403	85	25	of	of	ADP
fsr-3403	85	26	outstanding	outstanding	ADJ
fsr-3403	85	27	secured	secure	VERB
fsr-3403	85	28	debt	debt	NOUN
fsr-3403	85	29	balance	balance	NOUN
fsr-3403	85	30	to	to	ADP
fsr-3403	85	31	total	total	ADJ
fsr-3403	85	32	household	household	NOUN
fsr-3403	85	33	debt	debt	NOUN
fsr-3403	85	34	in	in	ADP
fsr-3403	85	35	this	this	DET
fsr-3403	85	36	research	research	NOUN
fsr-3403	85	37	.	.	PUNCT
fsr-3403	86	1	few	few	ADJ
fsr-3403	86	2	studies	study	NOUN
fsr-3403	86	3	incorporate	incorporate	VERB
fsr-3403	86	4	both	both	DET
fsr-3403	86	5	assets	asset	NOUN
fsr-3403	86	6	and	and	CCONJ
fsr-3403	86	7	debt	debt	NOUN
fsr-3403	86	8	in	in	ADP
fsr-3403	86	9	the	the	DET
fsr-3403	86	10	analysis	analysis	NOUN
fsr-3403	86	11	.	.	PUNCT
fsr-3403	87	1	brown	brown	PROPN
fsr-3403	87	2	and	and	CCONJ
fsr-3403	87	3	taylor	taylor	PROPN
fsr-3403	87	4	(	(	PUNCT
fsr-3403	87	5	2008	2008	NUM
fsr-3403	87	6	)	)	PUNCT
fsr-3403	87	7	attempt	attempt	VERB
fsr-3403	87	8	to	to	PART
fsr-3403	87	9	identify	identify	VERB
fsr-3403	87	10	the	the	DET
fsr-3403	87	11	characteristics	characteristic	NOUN
fsr-3403	87	12	of	of	ADP
fsr-3403	87	13	the	the	DET
fsr-3403	87	14	households	household	NOUN
fsr-3403	87	15	that	that	PRON
fsr-3403	87	16	accumulate	accumulate	VERB
fsr-3403	87	17	debt	debt	NOUN
fsr-3403	87	18	and/or	and/or	CCONJ
fsr-3403	87	19	financial	financial	ADJ
fsr-3403	87	20	assets	asset	NOUN
fsr-3403	87	21	and	and	CCONJ
fsr-3403	87	22	the	the	DET
fsr-3403	87	23	determinants	determinant	NOUN
fsr-3403	87	24	of	of	ADP
fsr-3403	87	25	net	net	ADJ
fsr-3403	87	26	worth	worth	NOUN
fsr-3403	87	27	(	(	PUNCT
fsr-3403	87	28	i.e.	i.e.	X
fsr-3403	87	29	,	,	PUNCT
fsr-3403	87	30	the	the	DET
fsr-3403	87	31	difference	difference	NOUN
fsr-3403	87	32	between	between	ADP
fsr-3403	87	33	household	household	NOUN
fsr-3403	87	34	assets	asset	NOUN
fsr-3403	87	35	and	and	CCONJ
fsr-3403	87	36	debt	debt	NOUN
fsr-3403	87	37	)	)	PUNCT
fsr-3403	87	38	.	.	PUNCT
fsr-3403	88	1	although	although	SCONJ
fsr-3403	88	2	this	this	DET
fsr-3403	88	3	research	research	NOUN
fsr-3403	88	4	considers	consider	VERB
fsr-3403	88	5	both	both	DET
fsr-3403	88	6	sides	side	NOUN
fsr-3403	88	7	of	of	ADP
fsr-3403	88	8	the	the	DET
fsr-3403	88	9	household	household	NOUN
fsr-3403	88	10	balance	balance	NOUN
fsr-3403	88	11	sheet	sheet	NOUN
fsr-3403	88	12	,	,	PUNCT
fsr-3403	88	13	it	it	PRON
fsr-3403	88	14	does	do	AUX
fsr-3403	88	15	not	not	PART
fsr-3403	88	16	inform	inform	VERB
fsr-3403	88	17	on	on	ADP
fsr-3403	88	18	the	the	DET
fsr-3403	88	19	structure	structure	NOUN
fsr-3403	88	20	of	of	ADP
fsr-3403	88	21	assets	asset	NOUN
fsr-3403	88	22	and	and	CCONJ
fsr-3403	88	23	debt	debt	NOUN
fsr-3403	88	24	.	.	PUNCT
fsr-3403	89	1	cardak	cardak	PROPN
fsr-3403	89	2	and	and	CCONJ
fsr-3403	89	3	wilkins	wilkins	PROPN
fsr-3403	89	4	(	(	PUNCT
fsr-3403	89	5	2009	2009	NUM
fsr-3403	89	6	)	)	PUNCT
fsr-3403	89	7	acknowledge	acknowledge	VERB
fsr-3403	89	8	that	that	SCONJ
fsr-3403	89	9	risky	risky	ADJ
fsr-3403	89	10	asset	asset	NOUN
fsr-3403	89	11	holdings	holding	NOUN
fsr-3403	89	12	and	and	CCONJ
fsr-3403	89	13	committed	committed	ADJ
fsr-3403	89	14	expenses	expense	NOUN
fsr-3403	89	15	are	be	AUX
fsr-3403	89	16	jointly	jointly	ADV
fsr-3403	89	17	determined	determine	VERB
fsr-3403	89	18	by	by	ADP
fsr-3403	89	19	the	the	DET
fsr-3403	89	20	household	household	NOUN
fsr-3403	89	21	,	,	PUNCT
fsr-3403	89	22	but	but	CCONJ
fsr-3403	89	23	they	they	PRON
fsr-3403	89	24	proceed	proceed	VERB
fsr-3403	89	25	without	without	ADP
fsr-3403	89	26	estimating	estimate	VERB
fsr-3403	89	27	the	the	DET
fsr-3403	89	28	two	two	NUM
fsr-3403	89	29	quantities	quantity	NOUN
fsr-3403	89	30	simultaneously	simultaneously	ADV
fsr-3403	89	31	.	.	PUNCT
fsr-3403	90	1	in	in	ADP
fsr-3403	90	2	this	this	DET
fsr-3403	90	3	paper	paper	NOUN
fsr-3403	90	4	,	,	PUNCT
fsr-3403	90	5	we	we	PRON
fsr-3403	90	6	add	add	VERB
fsr-3403	90	7	to	to	ADP
fsr-3403	90	8	the	the	DET
fsr-3403	90	9	literature	literature	NOUN
fsr-3403	90	10	by	by	ADP
fsr-3403	90	11	investigating	investigate	VERB
fsr-3403	90	12	the	the	DET
fsr-3403	90	13	determinants	determinant	NOUN
fsr-3403	90	14	of	of	ADP
fsr-3403	90	15	household	household	NOUN
fsr-3403	90	16	risky	risky	ADJ
fsr-3403	90	17	asset	asset	NOUN
fsr-3403	90	18	holdings	holding	NOUN
fsr-3403	90	19	controlling	control	VERB
fsr-3403	90	20	for	for	ADP
fsr-3403	90	21	the	the	DET
fsr-3403	90	22	debt	debt	NOUN
fsr-3403	90	23	structure	structure	NOUN
fsr-3403	90	24	and	and	CCONJ
fsr-3403	90	25	by	by	ADP
fsr-3403	90	26	examining	examine	VERB
fsr-3403	90	27	the	the	DET
fsr-3403	90	28	determinants	determinant	NOUN
fsr-3403	90	29	of	of	ADP
fsr-3403	90	30	households	household	NOUN
fsr-3403	90	31	’	'	PUNCT
fsr-3403	90	32	financial	financial	ADJ
fsr-3403	90	33	portfolio	portfolio	NOUN
fsr-3403	90	34	incorporating	incorporate	VERB
fsr-3403	90	35	financial	financial	ADJ
fsr-3403	90	36	asset	asset	NOUN
fsr-3403	90	37	and	and	CCONJ
fsr-3403	90	38	debt	debt	NOUN
fsr-3403	90	39	structures	structure	NOUN
fsr-3403	90	40	simultaneously	simultaneously	ADV
fsr-3403	90	41	.	.	PUNCT
fsr-3403	91	1	3	3	X
fsr-3403	91	2	.	.	X
fsr-3403	91	3	the	the	DET
fsr-3403	91	4	empirical	empirical	ADJ
fsr-3403	91	5	models	model	NOUN
fsr-3403	91	6	3.1	3.1	NUM
fsr-3403	91	7	.	.	PUNCT
fsr-3403	92	1	a	a	DET
fsr-3403	92	2	sample	sample	NOUN
fsr-3403	92	3	selection	selection	NOUN
fsr-3403	92	4	model	model	NOUN
fsr-3403	92	5	our	our	PRON
fsr-3403	92	6	dependent	dependent	ADJ
fsr-3403	92	7	variable	variable	NOUN
fsr-3403	92	8	is	be	AUX
fsr-3403	92	9	the	the	DET
fsr-3403	92	10	share	share	NOUN
fsr-3403	92	11	of	of	ADP
fsr-3403	92	12	risky	risky	ADJ
fsr-3403	92	13	assets	asset	NOUN
fsr-3403	92	14	,	,	PUNCT
fsr-3403	92	15	which	which	PRON
fsr-3403	92	16	is	be	AUX
fsr-3403	92	17	defined	define	VERB
fsr-3403	92	18	as	as	ADP
fsr-3403	92	19	the	the	DET
fsr-3403	92	20	proportion	proportion	NOUN
fsr-3403	92	21	of	of	ADP
fsr-3403	92	22	financial	financial	ADJ
fsr-3403	92	23	assets	asset	NOUN
fsr-3403	92	24	held	hold	VERB
fsr-3403	92	25	in	in	ADP
fsr-3403	92	26	risky	risky	ADJ
fsr-3403	92	27	assets	asset	NOUN
fsr-3403	92	28	including	include	VERB
fsr-3403	92	29	equity	equity	NOUN
fsr-3403	92	30	and	and	CCONJ
fsr-3403	92	31	bonds	bond	NOUN
fsr-3403	92	32	.	.	PUNCT
fsr-3403	93	1	the	the	DET
fsr-3403	93	2	dependent	dependent	ADJ
fsr-3403	93	3	variable	variable	NOUN
fsr-3403	93	4	is	be	AUX
fsr-3403	93	5	not	not	PART
fsr-3403	93	6	continuous	continuous	ADJ
fsr-3403	93	7	and	and	CCONJ
fsr-3403	93	8	unbounded	unbounded	ADJ
fsr-3403	93	9	,	,	PUNCT
fsr-3403	93	10	so	so	SCONJ
fsr-3403	93	11	ols	ol	NOUN
fsr-3403	93	12	estimates	estimate	NOUN
fsr-3403	93	13	would	would	AUX
fsr-3403	93	14	be	be	AUX
fsr-3403	93	15	biased	bias	VERB
fsr-3403	93	16	.	.	PUNCT
fsr-3403	94	1	moreover	moreover	ADV
fsr-3403	94	2	,	,	PUNCT
fsr-3403	94	3	many	many	ADJ
fsr-3403	94	4	households	household	NOUN
fsr-3403	94	5	328	328	NUM
fsr-3403	94	6	r.	r.	PROPN
fsr-3403	94	7	tao	tao	PROPN
fsr-3403	94	8	,	,	PUNCT
fsr-3403	94	9	y.	y.	PROPN
fsr-3403	94	10	yuan	yuan	PROPN
fsr-3403	94	11	/	/	SYM
fsr-3403	94	12	financial	financial	ADJ
fsr-3403	94	13	services	service	NOUN
fsr-3403	94	14	review	review	VERB
fsr-3403	94	15	27	27	NUM
fsr-3403	94	16	(	(	PUNCT
fsr-3403	94	17	2018	2018	NUM
fsr-3403	94	18	)	)	PUNCT
fsr-3403	94	19	325	325	NUM
fsr-3403	94	20	-	-	SYM
fsr-3403	94	21	344	344	NUM
fsr-3403	94	22	in	in	ADP
fsr-3403	94	23	the	the	DET
fsr-3403	94	24	sample	sample	NOUN
fsr-3403	94	25	have	have	VERB
fsr-3403	94	26	no	no	DET
fsr-3403	94	27	risky	risky	ADJ
fsr-3403	94	28	asset	asset	NOUN
fsr-3403	94	29	investment	investment	NOUN
fsr-3403	94	30	at	at	ADV
fsr-3403	94	31	all	all	ADV
fsr-3403	94	32	.	.	PUNCT
fsr-3403	95	1	the	the	DET
fsr-3403	95	2	tobit	tobit	NOUN
fsr-3403	95	3	model	model	NOUN
fsr-3403	95	4	(	(	PUNCT
fsr-3403	95	5	tobin	tobin	PROPN
fsr-3403	95	6	,	,	PUNCT
fsr-3403	95	7	1958	1958	NUM
fsr-3403	95	8	)	)	PUNCT
fsr-3403	95	9	takes	take	VERB
fsr-3403	95	10	into	into	ADP
fsr-3403	95	11	consideration	consideration	NOUN
fsr-3403	95	12	the	the	DET
fsr-3403	95	13	concentration	concentration	NOUN
fsr-3403	95	14	of	of	ADP
fsr-3403	95	15	observations	observation	NOUN
fsr-3403	95	16	at	at	ADP
fsr-3403	95	17	zero	zero	NUM
fsr-3403	95	18	.	.	PUNCT
fsr-3403	96	1	it	it	PRON
fsr-3403	96	2	also	also	ADV
fsr-3403	96	3	accounts	account	VERB
fsr-3403	96	4	for	for	ADP
fsr-3403	96	5	the	the	DET
fsr-3403	96	6	fact	fact	NOUN
fsr-3403	96	7	that	that	SCONJ
fsr-3403	96	8	the	the	DET
fsr-3403	96	9	explanatory	explanatory	ADJ
fsr-3403	96	10	variables	variable	NOUN
fsr-3403	96	11	may	may	AUX
fsr-3403	96	12	influence	influence	VERB
fsr-3403	96	13	the	the	DET
fsr-3403	96	14	probability	probability	NOUN
fsr-3403	96	15	of	of	ADP
fsr-3403	96	16	whether	whether	SCONJ
fsr-3403	96	17	a	a	DET
fsr-3403	96	18	household	household	NOUN
fsr-3403	96	19	invest	invest	VERB
fsr-3403	96	20	zero	zero	NUM
fsr-3403	96	21	dollar	dollar	NOUN
fsr-3403	96	22	in	in	ADP
fsr-3403	96	23	risky	risky	ADJ
fsr-3403	96	24	assets	asset	NOUN
fsr-3403	96	25	,	,	PUNCT
fsr-3403	96	26	and	and	CCONJ
fsr-3403	96	27	how	how	SCONJ
fsr-3403	96	28	much	much	ADV
fsr-3403	96	29	they	they	PRON
fsr-3403	96	30	actually	actually	ADV
fsr-3403	96	31	invest	invest	VERB
fsr-3403	96	32	,	,	PUNCT
fsr-3403	96	33	given	give	VERB
fsr-3403	96	34	that	that	SCONJ
fsr-3403	96	35	they	they	PRON
fsr-3403	96	36	invest	invest	VERB
fsr-3403	96	37	something	something	PRON
fsr-3403	96	38	.	.	PUNCT
fsr-3403	97	1	tobit	tobit	NOUN
fsr-3403	97	2	models	model	NOUN
fsr-3403	97	3	are	be	AUX
fsr-3403	97	4	commonly	commonly	ADV
fsr-3403	97	5	used	use	VERB
fsr-3403	97	6	in	in	ADP
fsr-3403	97	7	the	the	DET
fsr-3403	97	8	literature	literature	NOUN
fsr-3403	97	9	.	.	PUNCT
fsr-3403	98	1	for	for	ADP
fsr-3403	98	2	example	example	NOUN
fsr-3403	98	3	,	,	PUNCT
fsr-3403	98	4	basnet	basnet	NOUN
fsr-3403	98	5	and	and	CCONJ
fsr-3403	98	6	donou	donou	PROPN
fsr-3403	98	7	-	-	PUNCT
fsr-3403	98	8	adonsou	adonsou	PROPN
fsr-3403	98	9	(	(	PUNCT
fsr-3403	98	10	2016	2016	NUM
fsr-3403	98	11	)	)	PUNCT
fsr-3403	98	12	apply	apply	VERB
fsr-3403	98	13	a	a	DET
fsr-3403	98	14	tobit	tobit	NOUN
fsr-3403	98	15	model	model	NOUN
fsr-3403	98	16	to	to	PART
fsr-3403	98	17	analyze	analyze	VERB
fsr-3403	98	18	credit	credit	NOUN
fsr-3403	98	19	card	card	NOUN
fsr-3403	98	20	balance	balance	NOUN
fsr-3403	98	21	which	which	PRON
fsr-3403	98	22	is	be	AUX
fsr-3403	98	23	either	either	CCONJ
fsr-3403	98	24	positive	positive	ADJ
fsr-3403	98	25	or	or	CCONJ
fsr-3403	98	26	equal	equal	ADJ
fsr-3403	98	27	to	to	ADP
fsr-3403	98	28	zero	zero	NUM
fsr-3403	98	29	.	.	PUNCT
fsr-3403	99	1	brown	brown	PROPN
fsr-3403	99	2	and	and	CCONJ
fsr-3403	99	3	taylor	taylor	PROPN
fsr-3403	99	4	(	(	PUNCT
fsr-3403	99	5	2008	2008	NUM
fsr-3403	99	6	)	)	PUNCT
fsr-3403	99	7	treat	treat	VERB
fsr-3403	99	8	household	household	NOUN
fsr-3403	99	9	total	total	NOUN
fsr-3403	99	10	assets	asset	NOUN
fsr-3403	99	11	and	and	CCONJ
fsr-3403	99	12	total	total	ADJ
fsr-3403	99	13	debt	debt	NOUN
fsr-3403	99	14	as	as	ADP
fsr-3403	99	15	censored	censored	ADJ
fsr-3403	99	16	variables	variable	NOUN
fsr-3403	99	17	.	.	PUNCT
fsr-3403	100	1	they	they	PRON
fsr-3403	100	2	apply	apply	VERB
fsr-3403	100	3	a	a	DET
fsr-3403	100	4	univariate	univariate	ADJ
fsr-3403	100	5	tobit	tobit	NOUN
fsr-3403	100	6	specification	specification	NOUN
fsr-3403	100	7	to	to	PART
fsr-3403	100	8	model	model	VERB
fsr-3403	100	9	total	total	ADJ
fsr-3403	100	10	assets	asset	NOUN
fsr-3403	100	11	and	and	CCONJ
fsr-3403	100	12	total	total	ADJ
fsr-3403	100	13	debt	debt	NOUN
fsr-3403	100	14	independently	independently	ADV
fsr-3403	100	15	,	,	PUNCT
fsr-3403	100	16	and	and	CCONJ
fsr-3403	100	17	a	a	DET
fsr-3403	100	18	bivariate	bivariate	ADJ
fsr-3403	100	19	tobit	tobit	NOUN
fsr-3403	100	20	model	model	NOUN
fsr-3403	100	21	to	to	PART
fsr-3403	100	22	estimate	estimate	VERB
fsr-3403	100	23	the	the	DET
fsr-3403	100	24	two	two	NUM
fsr-3403	100	25	quantities	quantity	NOUN
fsr-3403	100	26	at	at	ADP
fsr-3403	100	27	the	the	DET
fsr-3403	100	28	household	household	NOUN
fsr-3403	100	29	level	level	NOUN
fsr-3403	100	30	jointly	jointly	ADV
fsr-3403	100	31	.	.	PUNCT
fsr-3403	101	1	cox	cox	PROPN
fsr-3403	101	2	and	and	CCONJ
fsr-3403	101	3	jappelli	jappelli	PROPN
fsr-3403	101	4	(	(	PUNCT
fsr-3403	101	5	1993	1993	NUM
fsr-3403	101	6	)	)	PUNCT
fsr-3403	101	7	take	take	VERB
fsr-3403	101	8	into	into	ADP
fsr-3403	101	9	account	account	NOUN
fsr-3403	101	10	the	the	DET
fsr-3403	101	11	selection	selection	NOUN
fsr-3403	101	12	bias	bias	NOUN
fsr-3403	101	13	caused	cause	VERB
fsr-3403	101	14	by	by	ADP
fsr-3403	101	15	borrowing	borrow	VERB
fsr-3403	101	16	constraints	constraint	NOUN
fsr-3403	101	17	and	and	CCONJ
fsr-3403	101	18	the	the	DET
fsr-3403	101	19	household	household	NOUN
fsr-3403	101	20	’s	’s	PART
fsr-3403	101	21	decision	decision	NOUN
fsr-3403	101	22	to	to	PART
fsr-3403	101	23	hold	hold	VERB
fsr-3403	101	24	positive	positive	ADJ
fsr-3403	101	25	debt	debt	NOUN
fsr-3403	101	26	,	,	PUNCT
fsr-3403	101	27	and	and	CCONJ
fsr-3403	101	28	apply	apply	VERB
fsr-3403	101	29	a	a	DET
fsr-3403	101	30	tobit	tobit	NOUN
fsr-3403	101	31	model	model	NOUN
fsr-3403	101	32	to	to	PART
fsr-3403	101	33	estimate	estimate	VERB
fsr-3403	101	34	the	the	DET
fsr-3403	101	35	optimal	optimal	ADJ
fsr-3403	101	36	level	level	NOUN
fsr-3403	101	37	of	of	ADP
fsr-3403	101	38	household	household	NOUN
fsr-3403	101	39	debt	debt	NOUN
fsr-3403	101	40	.	.	PUNCT
fsr-3403	102	1	based	base	VERB
fsr-3403	102	2	on	on	ADP
fsr-3403	102	3	the	the	DET
fsr-3403	102	4	prototypical	prototypical	ADJ
fsr-3403	102	5	tobit	tobit	NOUN
fsr-3403	102	6	model	model	NOUN
fsr-3403	102	7	(	(	PUNCT
fsr-3403	102	8	tobin	tobin	NOUN
fsr-3403	102	9	,	,	PUNCT
fsr-3403	102	10	1958	1958	NUM
fsr-3403	102	11	)	)	PUNCT
fsr-3403	102	12	censoring	censor	VERB
fsr-3403	102	13	from	from	ADP
fsr-3403	102	14	below	below	ADP
fsr-3403	102	15	at	at	ADP
fsr-3403	102	16	zero	zero	NUM
fsr-3403	102	17	,	,	PUNCT
fsr-3403	102	18	where	where	SCONJ
fsr-3403	102	19	the	the	DET
fsr-3403	102	20	latent	latent	NOUN
fsr-3403	102	21	variable	variable	NOUN
fsr-3403	102	22	y	y	PROPN
fsr-3403	102	23	*	*	PROPN
fsr-3403	102	24	is	be	AUX
fsr-3403	102	25	linear	linear	ADJ
fsr-3403	102	26	in	in	ADP
fsr-3403	102	27	regressors	regressor	NOUN
fsr-3403	102	28	with	with	ADP
fsr-3403	102	29	additive	additive	ADJ
fsr-3403	102	30	error	error	NOUN
fsr-3403	102	31	that	that	PRON
fsr-3403	102	32	is	be	AUX
fsr-3403	102	33	normally	normally	ADV
fsr-3403	102	34	distributed	distribute	VERB
fsr-3403	102	35	and	and	CCONJ
fsr-3403	102	36	homoscedastic	homoscedastic	ADJ
fsr-3403	102	37	,	,	PUNCT
fsr-3403	102	38	y	y	PROPN
fsr-3403	102	39	*	*	PUNCT
fsr-3403	102	40	can	can	AUX
fsr-3403	102	41	be	be	AUX
fsr-3403	102	42	expressed	express	VERB
fsr-3403	102	43	as	as	ADP
fsr-3403	102	44	y	y	PROPN
fsr-3403	102	45	*	*	PROPN
fsr-3403	102	46	�	�	PROPN
fsr-3403	102	47	x	x	SYM
fsr-3403	102	48	�	�	PROPN
fsr-3403	102	49	�	�	PROPN
fsr-3403	102	50	�	�	PROPN
fsr-3403	102	51	�	�	PROPN
fsr-3403	102	52	(	(	PUNCT
fsr-3403	102	53	1	1	NUM
fsr-3403	102	54	)	)	PUNCT
fsr-3403	102	55	where	where	SCONJ
fsr-3403	102	56	the	the	DET
fsr-3403	102	57	error	error	NOUN
fsr-3403	102	58	term	term	NOUN
fsr-3403	102	59	�	�	PROPN
fsr-3403	102	60	�	�	PROPN
fsr-3403	102	61	n	n	CCONJ
fsr-3403	102	62	[	[	NOUN
fsr-3403	102	63	0	0	NUM
fsr-3403	102	64	,	,	PUNCT
fsr-3403	102	65	�	�	PROPN
fsr-3403	102	66	2	2	NUM
fsr-3403	102	67	]	]	PUNCT
fsr-3403	102	68	has	have	VERB
fsr-3403	102	69	variance	variance	NOUN
fsr-3403	102	70	�	�	PROPN
fsr-3403	102	71	2	2	NUM
fsr-3403	102	72	,	,	PUNCT
fsr-3403	102	73	which	which	PRON
fsr-3403	102	74	is	be	AUX
fsr-3403	102	75	assumed	assume	VERB
fsr-3403	102	76	to	to	PART
fsr-3403	102	77	be	be	AUX
fsr-3403	102	78	constant	constant	ADJ
fsr-3403	102	79	across	across	ADP
fsr-3403	102	80	observations	observation	NOUN
fsr-3403	102	81	.	.	PUNCT
fsr-3403	103	1	in	in	ADP
fsr-3403	103	2	our	our	PRON
fsr-3403	103	3	model	model	NOUN
fsr-3403	103	4	,	,	PUNCT
fsr-3403	103	5	the	the	DET
fsr-3403	103	6	latent	latent	NOUN
fsr-3403	103	7	variable	variable	NOUN
fsr-3403	103	8	y	y	PROPN
fsr-3403	103	9	*	*	PROPN
fsr-3403	103	10	is	be	AUX
fsr-3403	103	11	a	a	DET
fsr-3403	103	12	household	household	NOUN
fsr-3403	103	13	’s	’s	PART
fsr-3403	103	14	desired	desire	VERB
fsr-3403	103	15	holding	holding	NOUN
fsr-3403	103	16	of	of	ADP
fsr-3403	103	17	risky	risky	ADJ
fsr-3403	103	18	assets	asset	NOUN
fsr-3403	103	19	.	.	PUNCT
fsr-3403	104	1	the	the	DET
fsr-3403	104	2	observed	observed	ADJ
fsr-3403	104	3	y	y	PROPN
fsr-3403	104	4	is	be	AUX
fsr-3403	104	5	the	the	DET
fsr-3403	104	6	household	household	NOUN
fsr-3403	104	7	’s	’s	PART
fsr-3403	104	8	actual	actual	ADJ
fsr-3403	104	9	risky	risky	ADJ
fsr-3403	104	10	assets	asset	NOUN
fsr-3403	104	11	holding	hold	VERB
fsr-3403	104	12	.	.	PUNCT
fsr-3403	105	1	y	y	PROPN
fsr-3403	105	2	can	can	AUX
fsr-3403	105	3	be	be	AUX
fsr-3403	105	4	expressed	express	VERB
fsr-3403	105	5	as	as	ADP
fsr-3403	105	6	y	y	PROPN
fsr-3403	105	7	�	�	PROPN
fsr-3403	105	8	�	�	PROPN
fsr-3403	105	9	y	y	PROPN
fsr-3403	105	10	*	*	PROPN
fsr-3403	105	11	if	if	SCONJ
fsr-3403	105	12	y	y	PROPN
fsr-3403	105	13	*	*	PROPN
fsr-3403	105	14	�	�	PROPN
fsr-3403	105	15	0	0	NUM
fsr-3403	105	16	,	,	PUNCT
fsr-3403	105	17	0	0	NUM
fsr-3403	106	1	if	if	SCONJ
fsr-3403	106	2	y	y	PROPN
fsr-3403	106	3	*	*	PROPN
fsr-3403	106	4	�	�	PROPN
fsr-3403	106	5	0	0	NUM
fsr-3403	106	6	.	.	PUNCT
fsr-3403	107	1	(	(	PUNCT
fsr-3403	107	2	2	2	X
fsr-3403	107	3	)	)	PUNCT
fsr-3403	107	4	our	our	PRON
fsr-3403	107	5	interest	interest	NOUN
fsr-3403	107	6	is	be	AUX
fsr-3403	107	7	to	to	PART
fsr-3403	107	8	derive	derive	VERB
fsr-3403	107	9	the	the	DET
fsr-3403	107	10	marginal	marginal	ADJ
fsr-3403	107	11	effect	effect	NOUN
fsr-3403	107	12	in	in	ADP
fsr-3403	107	13	correspond	correspond	NOUN
fsr-3403	107	14	to	to	ADP
fsr-3403	107	15	the	the	DET
fsr-3403	107	16	effect	effect	NOUN
fsr-3403	107	17	of	of	ADP
fsr-3403	107	18	a	a	DET
fsr-3403	107	19	change	change	NOUN
fsr-3403	107	20	in	in	ADP
fsr-3403	107	21	a	a	DET
fsr-3403	107	22	regressor	regressor	NOUN
fsr-3403	107	23	on	on	ADP
fsr-3403	107	24	the	the	DET
fsr-3403	107	25	desired	desire	VERB
fsr-3403	107	26	risky	risky	ADJ
fsr-3403	107	27	asset	asset	NOUN
fsr-3403	107	28	holding	holding	NOUN
fsr-3403	107	29	(	(	PUNCT
fsr-3403	107	30	i.e.	i.e.	X
fsr-3403	107	31	,	,	PUNCT
fsr-3403	107	32	the	the	DET
fsr-3403	107	33	latent	latent	NOUN
fsr-3403	107	34	variable	variable	NOUN
fsr-3403	107	35	)	)	PUNCT
fsr-3403	107	36	,	,	PUNCT
fsr-3403	107	37	e	e	VERB
fsr-3403	107	38	�	�	PROPN
fsr-3403	107	39	y*	y*	PROPN
fsr-3403	107	40	�	�	PROPN
fsr-3403	107	41	x	x	PROPN
fsr-3403	107	42	�	�	PROPN
fsr-3403	107	43	x	x	SYM
fsr-3403	107	44	�	�	PROPN
fsr-3403	107	45	�	�	PROPN
fsr-3403	107	46	.	.	PUNCT
fsr-3403	108	1	(	(	PUNCT
fsr-3403	108	2	3	3	X
fsr-3403	108	3	)	)	PUNCT
fsr-3403	108	4	however	however	ADV
fsr-3403	108	5	,	,	PUNCT
fsr-3403	108	6	the	the	DET
fsr-3403	108	7	latent	latent	NOUN
fsr-3403	108	8	variable	variable	NOUN
fsr-3403	108	9	is	be	AUX
fsr-3403	108	10	not	not	PART
fsr-3403	108	11	observable	observable	ADJ
fsr-3403	108	12	.	.	PUNCT
fsr-3403	109	1	to	to	PART
fsr-3403	109	2	derive	derive	VERB
fsr-3403	109	3	the	the	DET
fsr-3403	109	4	marginal	marginal	ADJ
fsr-3403	109	5	effect	effect	NOUN
fsr-3403	109	6	of	of	ADP
fsr-3403	109	7	observed	observed	ADJ
fsr-3403	109	8	data	datum	NOUN
fsr-3403	109	9	y	y	PROPN
fsr-3403	109	10	,	,	PUNCT
fsr-3403	109	11	first	first	ADV
fsr-3403	109	12	,	,	PUNCT
fsr-3403	109	13	we	we	PRON
fsr-3403	109	14	introduce	introduce	VERB
fsr-3403	109	15	an	an	DET
fsr-3403	109	16	indicator	indicator	NOUN
fsr-3403	109	17	variable	variable	NOUN
fsr-3403	109	18	,	,	PUNCT
fsr-3403	109	19	d	d	NOUN
fsr-3403	109	20	,	,	PUNCT
fsr-3403	109	21	and	and	CCONJ
fsr-3403	109	22	d	d	PROPN
fsr-3403	109	23	�	�	PROPN
fsr-3403	109	24	�	�	PROPN
fsr-3403	109	25	1	1	NUM
fsr-3403	109	26	if	if	SCONJ
fsr-3403	109	27	y	y	PROPN
fsr-3403	109	28	*	*	PROPN
fsr-3403	109	29	�	�	PROPN
fsr-3403	109	30	0	0	NUM
fsr-3403	109	31	,	,	PUNCT
fsr-3403	109	32	0	0	NUM
fsr-3403	109	33	otherwise	otherwise	ADV
fsr-3403	109	34	.	.	PUNCT
fsr-3403	110	1	(	(	PUNCT
fsr-3403	110	2	4	4	X
fsr-3403	110	3	)	)	PUNCT
fsr-3403	110	4	following	follow	VERB
fsr-3403	110	5	cameron	cameron	PROPN
fsr-3403	110	6	and	and	CCONJ
fsr-3403	110	7	trivedi	trivedi	PROPN
fsr-3403	110	8	(	(	PUNCT
fsr-3403	110	9	2005	2005	NUM
fsr-3403	110	10	)	)	PUNCT
fsr-3403	110	11	,	,	PUNCT
fsr-3403	110	12	we	we	PRON
fsr-3403	110	13	can	can	AUX
fsr-3403	110	14	derive	derive	VERB
fsr-3403	110	15	the	the	DET
fsr-3403	110	16	censored	censor	VERB
fsr-3403	110	17	mean	mean	NOUN
fsr-3403	110	18	by	by	ADP
fsr-3403	110	19	first	first	ADV
fsr-3403	110	20	conditioning	condition	VERB
fsr-3403	110	21	the	the	DET
fsr-3403	110	22	observable	observable	ADJ
fsr-3403	110	23	y	y	NOUN
fsr-3403	110	24	on	on	ADP
fsr-3403	110	25	the	the	DET
fsr-3403	110	26	binary	binary	ADJ
fsr-3403	110	27	indicator	indicator	PROPN
fsr-3403	110	28	d	d	PROPN
fsr-3403	110	29	and	and	CCONJ
fsr-3403	110	30	then	then	ADV
fsr-3403	110	31	unconditioning	unconditione	VERB
fsr-3403	110	32	.	.	PUNCT
fsr-3403	111	1	the	the	DET
fsr-3403	111	2	left	left	ADV
fsr-3403	111	3	-	-	PUNCT
fsr-3403	111	4	censored	censor	VERB
fsr-3403	111	5	mean	mean	NOUN
fsr-3403	111	6	is	be	AUX
fsr-3403	111	7	e	e	PROPN
fsr-3403	111	8	�	�	PROPN
fsr-3403	111	9	y	y	PROPN
fsr-3403	111	10	�	�	PROPN
fsr-3403	111	11	�	�	PROPN
fsr-3403	111	12	ed	ed	PROPN
fsr-3403	111	13	�	�	PROPN
fsr-3403	111	14	ey	ey	PROPN
fsr-3403	111	15	�	�	PROPN
fsr-3403	111	16	d	d	PROPN
fsr-3403	111	17	�	�	PROPN
fsr-3403	111	18	y	y	PROPN
fsr-3403	111	19	�	�	PROPN
fsr-3403	111	20	d	d	PROPN
fsr-3403	111	21	�	�	PROPN
fsr-3403	111	22	�	�	PROPN
fsr-3403	111	23	�	�	PROPN
fsr-3403	111	24	pr	pr	PROPN
fsr-3403	111	25	�	�	PROPN
fsr-3403	111	26	d	d	PROPN
fsr-3403	111	27	�	�	PROPN
fsr-3403	111	28	0	0	NUM
fsr-3403	111	29	�	�	PROPN
fsr-3403	111	30	e	e	PROPN
fsr-3403	111	31	�	�	PROPN
fsr-3403	111	32	y	y	PROPN
fsr-3403	111	33	�	�	PROPN
fsr-3403	111	34	d	d	PROPN
fsr-3403	111	35	�	�	PROPN
fsr-3403	111	36	0	0	NUM
fsr-3403	111	37	�	�	PROPN
fsr-3403	111	38	�	�	PROPN
fsr-3403	111	39	pr	pr	PROPN
fsr-3403	111	40	�	�	PROPN
fsr-3403	111	41	d	d	PROPN
fsr-3403	111	42	�	�	PROPN
fsr-3403	111	43	1	1	NUM
fsr-3403	111	44	�	�	PROPN
fsr-3403	111	45	e	e	PROPN
fsr-3403	111	46	�	�	PROPN
fsr-3403	111	47	y	y	PROPN
fsr-3403	111	48	�	�	PROPN
fsr-3403	111	49	d	d	PROPN
fsr-3403	111	50	�	�	PROPN
fsr-3403	111	51	1	1	NUM
fsr-3403	111	52	�	�	PROPN
fsr-3403	111	53	�	�	PROPN
fsr-3403	111	54	0	0	NUM
fsr-3403	111	55	pr	pr	PROPN
fsr-3403	111	56	�	�	PROPN
fsr-3403	111	57	y	y	PROPN
fsr-3403	111	58	*	*	PROPN
fsr-3403	111	59	�	�	PROPN
fsr-3403	111	60	0	0	NUM
fsr-3403	111	61	�	�	PROPN
fsr-3403	111	62	�	�	PROPN
fsr-3403	111	63	pr	pr	PROPN
fsr-3403	111	64	�	�	PROPN
fsr-3403	111	65	y	y	PROPN
fsr-3403	111	66	*	*	PROPN
fsr-3403	111	67	�	�	PROPN
fsr-3403	111	68	0	0	NUM
fsr-3403	111	69	�	�	PROPN
fsr-3403	111	70	e	e	PROPN
fsr-3403	111	71	�	�	PROPN
fsr-3403	111	72	y*	y*	PROPN
fsr-3403	111	73	�	�	PROPN
fsr-3403	111	74	y	y	PROPN
fsr-3403	111	75	*	*	PROPN
fsr-3403	111	76	�	�	PROPN
fsr-3403	111	77	0	0	NUM
fsr-3403	111	78	�	�	PROPN
fsr-3403	111	79	�	�	PROPN
fsr-3403	111	80	pr	pr	PROPN
fsr-3403	111	81	�	�	PROPN
fsr-3403	111	82	y	y	PROPN
fsr-3403	111	83	*	*	PROPN
fsr-3403	111	84	�	�	PROPN
fsr-3403	111	85	0	0	NUM
fsr-3403	111	86	�	�	PROPN
fsr-3403	111	87	e	e	PROPN
fsr-3403	111	88	�	�	PROPN
fsr-3403	111	89	y*	y*	PROPN
fsr-3403	111	90	�	�	PROPN
fsr-3403	111	91	y	y	PROPN
fsr-3403	111	92	*	*	PROPN
fsr-3403	111	93	�	�	PROPN
fsr-3403	111	94	0	0	NUM
fsr-3403	111	95	�	�	PROPN
fsr-3403	111	96	(	(	PUNCT
fsr-3403	111	97	5	5	NUM
fsr-3403	111	98	)	)	PUNCT
fsr-3403	111	99	329r	329r	PROPN
fsr-3403	111	100	.	.	PUNCT
fsr-3403	112	1	tao	tao	PROPN
fsr-3403	112	2	,	,	PUNCT
fsr-3403	112	3	y.	y.	PROPN
fsr-3403	112	4	yuan	yuan	PROPN
fsr-3403	112	5	/	/	SYM
fsr-3403	112	6	financial	financial	ADJ
fsr-3403	112	7	services	service	NOUN
fsr-3403	112	8	review	review	VERB
fsr-3403	112	9	27	27	NUM
fsr-3403	112	10	(	(	PUNCT
fsr-3403	112	11	2018	2018	NUM
fsr-3403	112	12	)	)	PUNCT
fsr-3403	112	13	325	325	NUM
fsr-3403	112	14	-	-	SYM
fsr-3403	112	15	344	344	NUM
fsr-3403	112	16	where	where	SCONJ
fsr-3403	112	17	pr[y	pr[y	NOUN
fsr-3403	112	18	*	*	SYM
fsr-3403	112	19	�	�	PROPN
fsr-3403	112	20	0	0	NUM
fsr-3403	112	21	]	]	X
fsr-3403	112	22	�	�	PROPN
fsr-3403	112	23	1	1	NUM
fsr-3403	112	24	�	�	PROPN
fsr-3403	112	25	pr[y	pr[y	PROPN
fsr-3403	112	26	*	*	SYM
fsr-3403	112	27	�	�	PROPN
fsr-3403	112	28	0	0	NUM
fsr-3403	112	29	]	]	X
fsr-3403	112	30	�	�	PROPN
fsr-3403	112	31	pr	pr	PROPN
fsr-3403	112	32	[	[	PROPN
fsr-3403	112	33	�	�	PROPN
fsr-3403	112	34	�	�	PROPN
fsr-3403	112	35	�	�	PROPN
fsr-3403	112	36	x	x	SYM
fsr-3403	112	37	�	�	PROPN
fsr-3403	112	38	�	�	PROPN
fsr-3403	112	39	]	]	PUNCT
fsr-3403	112	40	.	.	PUNCT
fsr-3403	113	1	the	the	DET
fsr-3403	113	2	conditional	conditional	ADJ
fsr-3403	113	3	means	mean	NOUN
fsr-3403	113	4	are	be	AUX
fsr-3403	113	5	given	give	VERB
fsr-3403	113	6	by	by	ADP
fsr-3403	113	7	e	e	PROPN
fsr-3403	113	8	�	�	PROPN
fsr-3403	113	9	y	y	PROPN
fsr-3403	113	10	�	�	PROPN
fsr-3403	113	11	x	x	PROPN
fsr-3403	113	12	�	�	PROPN
fsr-3403	113	13	�	�	PROPN
fsr-3403	113	14	pr	pr	PROPN
fsr-3403	113	15	�	�	PROPN
fsr-3403	113	16	�	�	PROPN
fsr-3403	113	17	�	�	PROPN
fsr-3403	113	18	�	�	PROPN
fsr-3403	113	19	x	x	SYM
fsr-3403	113	20	�	�	PROPN
fsr-3403	113	21	�	�	PROPN
fsr-3403	113	22	�	�	PROPN
fsr-3403	113	23	x	x	SYM
fsr-3403	113	24	�	�	PROPN
fsr-3403	113	25	�	�	PROPN
fsr-3403	113	26	�	�	PROPN
fsr-3403	113	27	e	e	PROPN
fsr-3403	113	28	�	�	PROPN
fsr-3403	113	29	�	�	PROPN
fsr-3403	113	30	�	�	PROPN
fsr-3403	113	31	�	�	PROPN
fsr-3403	113	32	�	�	PROPN
fsr-3403	113	33	�	�	PROPN
fsr-3403	113	34	x	x	SYM
fsr-3403	113	35	�	�	PROPN
fsr-3403	113	36	�	�	PROPN
fsr-3403	113	37	�	�	PROPN
fsr-3403	113	38	�	�	PROPN
fsr-3403	113	39	�	�	PROPN
fsr-3403	113	40	x	x	SYM
fsr-3403	113	41	�	�	PROPN
fsr-3403	113	42	�	�	PROPN
fsr-3403	113	43	/	/	SYM
fsr-3403	113	44	x	x	SYM
fsr-3403	113	45	�	�	PROPN
fsr-3403	113	46	�	�	PROPN
fsr-3403	113	47	�	�	PROPN
fsr-3403	113	48	x	x	SYM
fsr-3403	113	49	�	�	PROPN
fsr-3403	113	50	�	�	PROPN
fsr-3403	113	51	/	/	SYM
fsr-3403	113	52	(	(	PUNCT
fsr-3403	113	53	6	6	NUM
fsr-3403	113	54	)	)	PUNCT
fsr-3403	113	55	where	where	SCONJ
fsr-3403	113	56	(	(	PUNCT
fsr-3403	113	57	.	.	PUNCT
fsr-3403	113	58	)	)	PUNCT
fsr-3403	113	59	and	and	CCONJ
fsr-3403	113	60	�	�	PROPN
fsr-3403	113	61	(	(	PUNCT
fsr-3403	113	62	.	.	PUNCT
fsr-3403	113	63	)	)	PUNCT
fsr-3403	113	64	are	be	AUX
fsr-3403	113	65	the	the	DET
fsr-3403	113	66	standard	standard	ADJ
fsr-3403	113	67	normal	normal	ADJ
fsr-3403	113	68	distribution	distribution	NOUN
fsr-3403	113	69	pdf	pdf	NOUN
fsr-3403	113	70	and	and	CCONJ
fsr-3403	113	71	cdf	cdf	NOUN
fsr-3403	113	72	,	,	PUNCT
fsr-3403	113	73	respectively	respectively	ADV
fsr-3403	113	74	.	.	PUNCT
fsr-3403	114	1	the	the	DET
fsr-3403	114	2	marginal	marginal	ADJ
fsr-3403	114	3	effect	effect	NOUN
fsr-3403	114	4	derived	derive	VERB
fsr-3403	114	5	from	from	ADP
fsr-3403	114	6	observed	observed	ADJ
fsr-3403	114	7	censored	censored	ADJ
fsr-3403	114	8	data	datum	NOUN
fsr-3403	114	9	are	be	AUX
fsr-3403	114	10	given	give	VERB
fsr-3403	114	11	by	by	ADP
fsr-3403	114	12	�	�	PROPN
fsr-3403	114	13	e	e	PROPN
fsr-3403	114	14	�	�	PROPN
fsr-3403	114	15	y	y	PROPN
fsr-3403	114	16	�	�	PROPN
fsr-3403	114	17	x	x	PROPN
fsr-3403	114	18	�	�	PROPN
fsr-3403	114	19	�	�	PROPN
fsr-3403	114	20	�	�	PROPN
fsr-3403	114	21	x	x	SYM
fsr-3403	114	22	�	�	PROPN
fsr-3403	114	23	�	�	PROPN
fsr-3403	114	24	�	�	PROPN
fsr-3403	114	25	pr	pr	PROPN
fsr-3403	114	26	�	�	PROPN
fsr-3403	114	27	y	y	PROPN
fsr-3403	114	28	*	*	PROPN
fsr-3403	114	29	�	�	PROPN
fsr-3403	114	30	0	0	NUM
fsr-3403	114	31	�	�	PROPN
fsr-3403	114	32	�	�	PROPN
fsr-3403	114	33	�	�	PROPN
fsr-3403	114	34	�	�	PROPN
fsr-3403	114	35	�	�	PROPN
fsr-3403	114	36	�	�	PROPN
fsr-3403	114	37	�	�	PROPN
fsr-3403	114	38	x	x	SYM
fsr-3403	114	39	�	�	PROPN
fsr-3403	114	40	(	(	PUNCT
fsr-3403	114	41	7	7	NUM
fsr-3403	114	42	)	)	PUNCT
fsr-3403	114	43	the	the	DET
fsr-3403	114	44	above	above	ADJ
fsr-3403	114	45	tobit	tobit	NOUN
fsr-3403	114	46	model	model	NOUN
fsr-3403	114	47	restricts	restrict	VERB
fsr-3403	114	48	the	the	DET
fsr-3403	114	49	censoring	censor	VERB
fsr-3403	114	50	mechanism	mechanism	NOUN
fsr-3403	114	51	to	to	PART
fsr-3403	114	52	be	be	AUX
fsr-3403	114	53	from	from	ADP
fsr-3403	114	54	the	the	DET
fsr-3403	114	55	same	same	ADJ
fsr-3403	114	56	model	model	NOUN
fsr-3403	114	57	as	as	ADP
fsr-3403	114	58	that	that	PRON
fsr-3403	114	59	generating	generate	VERB
fsr-3403	114	60	the	the	DET
fsr-3403	114	61	outcome	outcome	NOUN
fsr-3403	114	62	variable	variable	NOUN
fsr-3403	114	63	.	.	PUNCT
fsr-3403	115	1	in	in	ADP
fsr-3403	115	2	other	other	ADJ
fsr-3403	115	3	words	word	NOUN
fsr-3403	115	4	,	,	PUNCT
fsr-3403	115	5	the	the	DET
fsr-3403	115	6	same	same	ADJ
fsr-3403	115	7	set	set	NOUN
fsr-3403	115	8	of	of	ADP
fsr-3403	115	9	variables	variable	NOUN
fsr-3403	115	10	and	and	CCONJ
fsr-3403	115	11	coefficients	coefficient	NOUN
fsr-3403	115	12	determine	determine	VERB
fsr-3403	115	13	both	both	CCONJ
fsr-3403	115	14	the	the	DET
fsr-3403	115	15	probability	probability	NOUN
fsr-3403	115	16	that	that	SCONJ
fsr-3403	115	17	an	an	DET
fsr-3403	115	18	observation	observation	NOUN
fsr-3403	115	19	will	will	AUX
fsr-3403	115	20	be	be	AUX
fsr-3403	115	21	censored	censor	VERB
fsr-3403	115	22	and	and	CCONJ
fsr-3403	115	23	the	the	DET
fsr-3403	115	24	value	value	NOUN
fsr-3403	115	25	of	of	ADP
fsr-3403	115	26	the	the	DET
fsr-3403	115	27	dependent	dependent	ADJ
fsr-3403	115	28	variable	variable	NOUN
fsr-3403	115	29	.	.	PUNCT
fsr-3403	116	1	this	this	DET
fsr-3403	116	2	limitation	limitation	NOUN
fsr-3403	116	3	can	can	AUX
fsr-3403	116	4	be	be	AUX
fsr-3403	116	5	remedied	remedie	VERB
fsr-3403	116	6	with	with	ADP
fsr-3403	116	7	the	the	DET
fsr-3403	116	8	use	use	NOUN
fsr-3403	116	9	of	of	ADP
fsr-3403	116	10	a	a	DET
fsr-3403	116	11	sample	sample	NOUN
fsr-3403	116	12	selection	selection	NOUN
fsr-3403	116	13	model	model	NOUN
fsr-3403	116	14	.	.	PUNCT
fsr-3403	117	1	we	we	PRON
fsr-3403	117	2	turn	turn	VERB
fsr-3403	117	3	to	to	ADP
fsr-3403	117	4	a	a	DET
fsr-3403	117	5	bivariate	bivariate	ADJ
fsr-3403	117	6	sample	sample	NOUN
fsr-3403	117	7	selection	selection	NOUN
fsr-3403	117	8	model	model	NOUN
fsr-3403	117	9	that	that	PRON
fsr-3403	117	10	is	be	AUX
fsr-3403	117	11	defined	define	VERB
fsr-3403	117	12	in	in	ADP
fsr-3403	117	13	cameron	cameron	PROPN
fsr-3403	117	14	and	and	CCONJ
fsr-3403	117	15	trivedi	trivedi	PROPN
fsr-3403	117	16	(	(	PUNCT
fsr-3403	117	17	2005),1	2005),1	NUM
fsr-3403	117	18	which	which	PRON
fsr-3403	117	19	comprises	comprise	VERB
fsr-3403	117	20	a	a	DET
fsr-3403	117	21	participation	participation	NOUN
fsr-3403	117	22	equation	equation	NOUN
fsr-3403	117	23	that	that	PRON
fsr-3403	117	24	d	d	PROPN
fsr-3403	117	25	�	�	PROPN
fsr-3403	117	26	�	�	PROPN
fsr-3403	117	27	1	1	NUM
fsr-3403	117	28	if	if	SCONJ
fsr-3403	117	29	y1	y1	X
fsr-3403	117	30	*	*	PROPN
fsr-3403	117	31	�	�	PROPN
fsr-3403	117	32	0	0	NUM
fsr-3403	117	33	,	,	PUNCT
fsr-3403	117	34	0	0	NUM
fsr-3403	117	35	otherwise	otherwise	ADV
fsr-3403	117	36	,	,	PUNCT
fsr-3403	117	37	(	(	PUNCT
fsr-3403	117	38	8)	8)	NUM
fsr-3403	117	39	and	and	CCONJ
fsr-3403	117	40	an	an	DET
fsr-3403	117	41	outcome	outcome	NOUN
fsr-3403	117	42	equation	equation	NOUN
fsr-3403	118	1	that	that	SCONJ
fsr-3403	118	2	y	y	PROPN
fsr-3403	118	3	�	�	PROPN
fsr-3403	118	4	�	�	PROPN
fsr-3403	118	5	y2	y2	PROPN
fsr-3403	118	6	*	*	PROPN
fsr-3403	118	7	if	if	SCONJ
fsr-3403	118	8	y1	y1	X
fsr-3403	118	9	*	*	PROPN
fsr-3403	118	10	�	�	PROPN
fsr-3403	118	11	0	0	NUM
fsr-3403	118	12	,	,	PUNCT
fsr-3403	118	13	not	not	PART
fsr-3403	118	14	observed	observe	VERB
fsr-3403	118	15	otherwise	otherwise	ADV
fsr-3403	118	16	.	.	PUNCT
fsr-3403	119	1	(	(	PUNCT
fsr-3403	119	2	9	9	X
fsr-3403	119	3	)	)	PUNCT
fsr-3403	119	4	the	the	DET
fsr-3403	119	5	latent	latent	ADJ
fsr-3403	119	6	variable	variable	ADJ
fsr-3403	119	7	y1	y1	NOUN
fsr-3403	119	8	*	*	PUNCT
fsr-3403	119	9	determines	determine	VERB
fsr-3403	119	10	whether	whether	SCONJ
fsr-3403	119	11	or	or	CCONJ
fsr-3403	119	12	not	not	PART
fsr-3403	119	13	the	the	DET
fsr-3403	119	14	household	household	NOUN
fsr-3403	119	15	invests	invest	NOUN
fsr-3403	119	16	in	in	ADP
fsr-3403	119	17	risky	risky	ADJ
fsr-3403	119	18	assets	asset	NOUN
fsr-3403	119	19	at	at	ADV
fsr-3403	119	20	all	all	ADV
fsr-3403	119	21	.	.	PUNCT
fsr-3403	120	1	y	y	PROPN
fsr-3403	120	2	is	be	AUX
fsr-3403	120	3	observed	observe	VERB
fsr-3403	120	4	if	if	SCONJ
fsr-3403	120	5	and	and	CCONJ
fsr-3403	120	6	only	only	ADV
fsr-3403	120	7	if	if	SCONJ
fsr-3403	120	8	y1	y1	PROPN
fsr-3403	120	9	*	*	PUNCT
fsr-3403	120	10	�	�	PROPN
fsr-3403	120	11	0	0	NUM
fsr-3403	120	12	.	.	PUNCT
fsr-3403	121	1	the	the	DET
fsr-3403	121	2	latent	latent	NOUN
fsr-3403	121	3	variable	variable	NOUN
fsr-3403	121	4	y2	y2	PROPN
fsr-3403	121	5	*	*	PUNCT
fsr-3403	121	6	determines	determine	VERB
fsr-3403	121	7	how	how	SCONJ
fsr-3403	121	8	much	much	ADJ
fsr-3403	121	9	to	to	PART
fsr-3403	121	10	invest	invest	VERB
fsr-3403	121	11	,	,	PUNCT
fsr-3403	121	12	and	and	CCONJ
fsr-3403	121	13	y1	y1	NOUN
fsr-3403	121	14	*	*	PUNCT
fsr-3403	121	15	�	�	X
fsr-3403	121	16	y2	y2	INTJ
fsr-3403	121	17	*	*	PROPN
fsr-3403	121	18	.	.	PUNCT
fsr-3403	122	1	the	the	DET
fsr-3403	122	2	standard	standard	ADJ
fsr-3403	122	3	model	model	NOUN
fsr-3403	122	4	specifies	specify	VERB
fsr-3403	122	5	a	a	DET
fsr-3403	122	6	linear	linear	ADJ
fsr-3403	122	7	model	model	NOUN
fsr-3403	122	8	with	with	ADP
fsr-3403	122	9	additive	additive	ADJ
fsr-3403	122	10	errors	error	NOUN
fsr-3403	122	11	for	for	ADP
fsr-3403	122	12	the	the	DET
fsr-3403	122	13	latent	latent	NOUN
fsr-3403	122	14	variables	variable	NOUN
fsr-3403	122	15	,	,	PUNCT
fsr-3403	122	16	y1	y1	PROPN
fsr-3403	122	17	*	*	PUNCT
fsr-3403	122	18	�	�	PROPN
fsr-3403	122	19	x1	x1	PROPN
fsr-3403	122	20	�	�	PROPN
fsr-3403	122	21	�	�	PROPN
fsr-3403	122	22	1	1	NUM
fsr-3403	122	23	�	�	PROPN
fsr-3403	122	24	�	�	PROPN
fsr-3403	122	25	1	1	NUM
fsr-3403	122	26	(	(	PUNCT
fsr-3403	122	27	10	10	NUM
fsr-3403	122	28	)	)	PUNCT
fsr-3403	122	29	y2	y2	NOUN
fsr-3403	122	30	*	*	PUNCT
fsr-3403	122	31	�	�	PROPN
fsr-3403	122	32	x2	x2	PROPN
fsr-3403	122	33	�	�	PROPN
fsr-3403	122	34	�	�	PROPN
fsr-3403	122	35	2	2	NUM
fsr-3403	122	36	�	�	PROPN
fsr-3403	122	37	�	�	PROPN
fsr-3403	122	38	2	2	NUM
fsr-3403	122	39	(	(	PUNCT
fsr-3403	122	40	11	11	NUM
fsr-3403	122	41	)	)	PUNCT
fsr-3403	122	42	while	while	SCONJ
fsr-3403	122	43	in	in	ADP
fsr-3403	122	44	eq	eq	ADP
fsr-3403	122	45	.	.	PUNCT
fsr-3403	123	1	(	(	PUNCT
fsr-3403	123	2	1	1	NUM
fsr-3403	123	3	)	)	PUNCT
fsr-3403	123	4	,	,	PUNCT
fsr-3403	123	5	it	it	PRON
fsr-3403	123	6	is	be	AUX
fsr-3403	123	7	assumed	assume	VERB
fsr-3403	123	8	that	that	SCONJ
fsr-3403	123	9	y1	y1	NOUN
fsr-3403	123	10	*	*	PUNCT
fsr-3403	123	11	�	�	X
fsr-3403	123	12	y2	y2	INTJ
fsr-3403	123	13	*	*	PROPN
fsr-3403	123	14	.	.	PUNCT
fsr-3403	124	1	the	the	DET
fsr-3403	124	2	allocation	allocation	NOUN
fsr-3403	124	3	of	of	ADP
fsr-3403	124	4	risky	risky	ADJ
fsr-3403	124	5	asset	asset	NOUN
fsr-3403	124	6	is	be	AUX
fsr-3403	124	7	estimated	estimate	VERB
fsr-3403	124	8	using	use	VERB
fsr-3403	124	9	observations	observation	NOUN
fsr-3403	124	10	on	on	ADP
fsr-3403	124	11	only	only	ADV
fsr-3403	124	12	those	those	DET
fsr-3403	124	13	households	household	NOUN
fsr-3403	124	14	with	with	ADP
fsr-3403	124	15	positive	positive	ADJ
fsr-3403	124	16	holdings	holding	NOUN
fsr-3403	124	17	of	of	ADP
fsr-3403	124	18	risky	risky	ADJ
fsr-3403	124	19	asset	asset	NOUN
fsr-3403	124	20	.	.	PUNCT
fsr-3403	125	1	the	the	DET
fsr-3403	125	2	sample	sample	NOUN
fsr-3403	125	3	selection	selection	NOUN
fsr-3403	125	4	bias	bias	NOUN
fsr-3403	125	5	induced	induce	VERB
fsr-3403	125	6	by	by	ADP
fsr-3403	125	7	using	use	VERB
fsr-3403	125	8	only	only	ADJ
fsr-3403	125	9	observations	observation	NOUN
fsr-3403	125	10	with	with	ADP
fsr-3403	125	11	positive	positive	ADJ
fsr-3403	125	12	values	value	NOUN
fsr-3403	125	13	of	of	ADP
fsr-3403	125	14	risky	risky	ADJ
fsr-3403	125	15	asset	asset	NOUN
fsr-3403	125	16	holding	holding	NOUN
fsr-3403	125	17	can	can	AUX
fsr-3403	125	18	be	be	AUX
fsr-3403	125	19	corrected	correct	VERB
fsr-3403	125	20	by	by	ADP
fsr-3403	125	21	a	a	DET
fsr-3403	125	22	standard	standard	ADJ
fsr-3403	125	23	two	two	NUM
fsr-3403	125	24	-	-	PUNCT
fsr-3403	125	25	step	step	NOUN
fsr-3403	125	26	procedure	procedure	NOUN
fsr-3403	125	27	(	(	PUNCT
fsr-3403	125	28	heckman	heckman	NOUN
fsr-3403	125	29	,	,	PUNCT
fsr-3403	125	30	1979	1979	NUM
fsr-3403	125	31	)	)	PUNCT
fsr-3403	125	32	.	.	PUNCT
fsr-3403	126	1	we	we	PRON
fsr-3403	126	2	first	first	ADV
fsr-3403	126	3	estimate	estimate	VERB
fsr-3403	126	4	reduced	reduce	VERB
fsr-3403	126	5	-	-	PUNCT
fsr-3403	126	6	form	form	NOUN
fsr-3403	126	7	probit	probit	NOUN
fsr-3403	126	8	equation	equation	NOUN
fsr-3403	126	9	for	for	ADP
fsr-3403	126	10	the	the	DET
fsr-3403	126	11	participation	participation	NOUN
fsr-3403	126	12	probabilities	probability	NOUN
fsr-3403	126	13	of	of	ADP
fsr-3403	126	14	risky	risky	ADJ
fsr-3403	126	15	asset	asset	NOUN
fsr-3403	126	16	investment	investment	NOUN
fsr-3403	126	17	(	(	PUNCT
fsr-3403	126	18	eq	eq	NOUN
fsr-3403	126	19	.	.	PROPN
fsr-3403	126	20	8)	8)	NUM
fsr-3403	126	21	and	and	CCONJ
fsr-3403	126	22	then	then	ADV
fsr-3403	126	23	include	include	VERB
fsr-3403	126	24	the	the	DET
fsr-3403	126	25	estimated	estimate	VERB
fsr-3403	126	26	hazard	hazard	NOUN
fsr-3403	126	27	as	as	ADP
fsr-3403	126	28	an	an	DET
fsr-3403	126	29	additional	additional	ADJ
fsr-3403	126	30	regressor	regressor	NOUN
fsr-3403	126	31	in	in	ADP
fsr-3403	126	32	the	the	DET
fsr-3403	126	33	outcome	outcome	NOUN
fsr-3403	126	34	equation	equation	NOUN
fsr-3403	126	35	(	(	PUNCT
fsr-3403	126	36	eq	eq	NOUN
fsr-3403	126	37	.	.	PUNCT
fsr-3403	127	1	9).2	9).2	NUM
fsr-3403	127	2	following	follow	VERB
fsr-3403	127	3	the	the	DET
fsr-3403	127	4	same	same	ADJ
fsr-3403	127	5	derivation	derivation	NOUN
fsr-3403	127	6	as	as	ADP
fsr-3403	127	7	eq	eq	NOUN
fsr-3403	127	8	,	,	PUNCT
fsr-3403	127	9	(	(	PUNCT
fsr-3403	127	10	6	6	NUM
fsr-3403	127	11	)	)	PUNCT
fsr-3403	127	12	.	.	PUNCT
fsr-3403	128	1	the	the	DET
fsr-3403	128	2	expected	expect	VERB
fsr-3403	128	3	investment	investment	NOUN
fsr-3403	128	4	in	in	ADP
fsr-3403	128	5	risky	risky	ADJ
fsr-3403	128	6	asset	asset	NOUN
fsr-3403	128	7	,	,	PUNCT
fsr-3403	128	8	conditional	conditional	ADJ
fsr-3403	128	9	on	on	ADP
fsr-3403	128	10	that	that	SCONJ
fsr-3403	128	11	the	the	DET
fsr-3403	128	12	household	household	NOUN
fsr-3403	128	13	invests	invest	NOUN
fsr-3403	128	14	is	be	AUX
fsr-3403	128	15	given	give	VERB
fsr-3403	128	16	by	by	ADP
fsr-3403	128	17	e	e	PROPN
fsr-3403	128	18	�	�	PROPN
fsr-3403	128	19	y	y	PROPN
fsr-3403	128	20	�	�	PROPN
fsr-3403	128	21	x	x	PROPN
fsr-3403	128	22	,	,	PUNCT
fsr-3403	128	23	y1	y1	PROPN
fsr-3403	128	24	*	*	PROPN
fsr-3403	128	25	�	�	PROPN
fsr-3403	128	26	0	0	NUM
fsr-3403	128	27	�	�	PROPN
fsr-3403	128	28	�	�	PROPN
fsr-3403	128	29	e	e	PROPN
fsr-3403	128	30	�	�	PROPN
fsr-3403	128	31	x2	x2	PROPN
fsr-3403	128	32	�	�	PROPN
fsr-3403	128	33	�	�	PROPN
fsr-3403	128	34	2	2	NUM
fsr-3403	128	35	�	�	PROPN
fsr-3403	128	36	�	�	PROPN
fsr-3403	128	37	2	2	NUM
fsr-3403	128	38	�	�	PROPN
fsr-3403	128	39	x2	x2	PROPN
fsr-3403	128	40	�	�	PROPN
fsr-3403	128	41	�	�	PROPN
fsr-3403	128	42	2	2	NUM
fsr-3403	128	43	�	�	PROPN
fsr-3403	128	44	�	�	PROPN
fsr-3403	128	45	2	2	NUM
fsr-3403	128	46	�	�	PROPN
fsr-3403	128	47	0	0	NUM
fsr-3403	128	48	�	�	PROPN
fsr-3403	128	49	�	�	PROPN
fsr-3403	128	50	x2	x2	PROPN
fsr-3403	128	51	�	�	PROPN
fsr-3403	128	52	�	�	PROPN
fsr-3403	128	53	2	2	NUM
fsr-3403	128	54	�	�	PROPN
fsr-3403	128	55	e	e	NOUN
fsr-3403	128	56	�	�	PROPN
fsr-3403	128	57	�	�	PROPN
fsr-3403	128	58	2	2	NUM
fsr-3403	128	59	�	�	PROPN
fsr-3403	128	60	�	�	PROPN
fsr-3403	128	61	1	1	NUM
fsr-3403	128	62	�	�	PROPN
fsr-3403	128	63	�	�	PROPN
fsr-3403	128	64	x1	x1	PROPN
fsr-3403	128	65	�	�	PROPN
fsr-3403	128	66	�	�	PROPN
fsr-3403	128	67	1	1	NUM
fsr-3403	128	68	�	�	PROPN
fsr-3403	128	69	330	330	NUM
fsr-3403	128	70	r.	r.	PROPN
fsr-3403	128	71	tao	tao	PROPN
fsr-3403	128	72	,	,	PUNCT
fsr-3403	128	73	y.	y.	PROPN
fsr-3403	128	74	yuan	yuan	PROPN
fsr-3403	128	75	/	/	SYM
fsr-3403	128	76	financial	financial	ADJ
fsr-3403	128	77	services	service	NOUN
fsr-3403	128	78	review	review	VERB
fsr-3403	128	79	27	27	NUM
fsr-3403	128	80	(	(	PUNCT
fsr-3403	128	81	2018	2018	NUM
fsr-3403	128	82	)	)	PUNCT
fsr-3403	128	83	325	325	NUM
fsr-3403	128	84	-	-	SYM
fsr-3403	128	85	344	344	NUM
fsr-3403	128	86	�	�	PROPN
fsr-3403	128	87	x2	x2	PROPN
fsr-3403	128	88	�	�	PROPN
fsr-3403	128	89	�	�	PROPN
fsr-3403	128	90	2	2	NUM
fsr-3403	128	91	�	�	PROPN
fsr-3403	128	92	�	�	PROPN
fsr-3403	128	93	12	12	NUM
fsr-3403	128	94	�	�	PROPN
fsr-3403	128	95	�	�	PROPN
fsr-3403	128	96	x1	x1	PROPN
fsr-3403	128	97	�	�	PROPN
fsr-3403	128	98	�	�	PROPN
fsr-3403	128	99	1	1	NUM
fsr-3403	128	100	�	�	PROPN
fsr-3403	128	101	,	,	PUNCT
fsr-3403	128	102	(	(	PUNCT
fsr-3403	128	103	12	12	NUM
fsr-3403	128	104	)	)	PUNCT
fsr-3403	128	105	where	where	SCONJ
fsr-3403	128	106	�	�	PROPN
fsr-3403	128	107	(	(	PUNCT
fsr-3403	128	108	z	z	PROPN
fsr-3403	128	109	)	)	PUNCT
fsr-3403	128	110	�	�	PROPN
fsr-3403	128	111	�	�	PROPN
fsr-3403	128	112	�	�	PROPN
fsr-3403	128	113	z	z	PROPN
fsr-3403	128	114	�	�	PROPN
fsr-3403	128	115	�	�	PROPN
fsr-3403	128	116	�	�	PROPN
fsr-3403	128	117	z	z	PROPN
fsr-3403	128	118	�	�	PROPN
fsr-3403	128	119	is	be	AUX
fsr-3403	128	120	the	the	DET
fsr-3403	128	121	inverse	inverse	NOUN
fsr-3403	128	122	mill	mill	NOUN
fsr-3403	128	123	’s	’s	PART
fsr-3403	128	124	ratio	ratio	NOUN
fsr-3403	128	125	term	term	NOUN
fsr-3403	128	126	(	(	PUNCT
fsr-3403	128	127	heckman	heckman	NOUN
fsr-3403	128	128	,	,	PUNCT
fsr-3403	128	129	1979	1979	NUM
fsr-3403	128	130	)	)	PUNCT
fsr-3403	128	131	.	.	PUNCT
fsr-3403	129	1	heckman	heckman	PROPN
fsr-3403	129	2	’s	’s	PART
fsr-3403	129	3	two	two	NUM
fsr-3403	129	4	-	-	PUNCT
fsr-3403	129	5	step	step	NOUN
fsr-3403	129	6	procedure	procedure	NOUN
fsr-3403	129	7	is	be	AUX
fsr-3403	129	8	applied	apply	VERB
fsr-3403	129	9	to	to	PART
fsr-3403	129	10	estimate	estimate	VERB
fsr-3403	129	11	the	the	DET
fsr-3403	129	12	positive	positive	ADJ
fsr-3403	129	13	values	value	NOUN
fsr-3403	129	14	of	of	ADP
fsr-3403	129	15	y	y	PROPN
fsr-3403	129	16	by	by	ADP
fsr-3403	129	17	an	an	DET
fsr-3403	129	18	ols	ols	PROPN
fsr-3403	129	19	,	,	PUNCT
fsr-3403	129	20	yi	yi	PROPN
fsr-3403	129	21	�	�	PROPN
fsr-3403	129	22	x2i	x2i	PROPN
fsr-3403	129	23	�	�	PROPN
fsr-3403	129	24	�	�	PROPN
fsr-3403	129	25	2	2	NUM
fsr-3403	129	26	�	�	PROPN
fsr-3403	129	27	�	�	PROPN
fsr-3403	129	28	12	12	NUM
fsr-3403	129	29	�	�	PROPN
fsr-3403	129	30	�	�	PROPN
fsr-3403	129	31	x1i	x1i	PROPN
fsr-3403	129	32	�	�	PROPN
fsr-3403	129	33	�	�	PROPN
fsr-3403	129	34	̂1	̂1	PROPN
fsr-3403	129	35	�	�	PROPN
fsr-3403	129	36	�	�	PROPN
fsr-3403	129	37	vi	vi	PROPN
fsr-3403	129	38	(	(	PUNCT
fsr-3403	129	39	13	13	NUM
fsr-3403	129	40	)	)	PUNCT
fsr-3403	129	41	where	where	SCONJ
fsr-3403	129	42	�	�	NOUN
fsr-3403	129	43	̂1	̂1	PROPN
fsr-3403	129	44	is	be	AUX
fsr-3403	129	45	obtained	obtain	VERB
fsr-3403	129	46	by	by	ADP
fsr-3403	129	47	first	first	ADJ
fsr-3403	129	48	-	-	PUNCT
fsr-3403	129	49	step	step	NOUN
fsr-3403	129	50	probit	probit	NOUN
fsr-3403	129	51	regression	regression	NOUN
fsr-3403	129	52	of	of	ADP
fsr-3403	129	53	y1	y1	NOUN
fsr-3403	129	54	on	on	ADP
fsr-3403	129	55	x1	x1	PROPN
fsr-3403	129	56	,	,	PUNCT
fsr-3403	129	57	and	and	CCONJ
fsr-3403	129	58	�	�	PROPN
fsr-3403	129	59	(	(	PUNCT
fsr-3403	129	60	x	x	NOUN
fsr-3403	129	61	�	�	PROPN
fsr-3403	129	62	1i	1i	NUM
fsr-3403	129	63	�	�	NOUN
fsr-3403	129	64	̂1	̂1	NUM
fsr-3403	129	65	)	)	PUNCT
fsr-3403	129	66	is	be	AUX
fsr-3403	129	67	the	the	DET
fsr-3403	129	68	estimated	estimate	VERB
fsr-3403	129	69	inverse	inverse	NOUN
fsr-3403	129	70	mill	mill	NOUN
fsr-3403	129	71	’s	’s	PART
fsr-3403	129	72	ratio	ratio	NOUN
fsr-3403	129	73	.	.	PUNCT
fsr-3403	130	1	if	if	SCONJ
fsr-3403	130	2	the	the	DET
fsr-3403	130	3	independent	independent	ADJ
fsr-3403	130	4	variable	variable	NOUN
fsr-3403	130	5	only	only	ADV
fsr-3403	130	6	appears	appear	VERB
fsr-3403	130	7	in	in	ADP
fsr-3403	130	8	the	the	DET
fsr-3403	130	9	participation	participation	NOUN
fsr-3403	130	10	equation	equation	NOUN
fsr-3403	130	11	,	,	PUNCT
fsr-3403	130	12	we	we	PRON
fsr-3403	130	13	can	can	AUX
fsr-3403	130	14	use	use	VERB
fsr-3403	130	15	probit	probit	NOUN
fsr-3403	130	16	model	model	NOUN
fsr-3403	130	17	marginal	marginal	ADJ
fsr-3403	130	18	effect	effect	NOUN
fsr-3403	130	19	.	.	PUNCT
fsr-3403	131	1	define	define	VERB
fsr-3403	131	2	p(x	p(x	NOUN
fsr-3403	131	3	)	)	PUNCT
fsr-3403	131	4	as	as	ADP
fsr-3403	131	5	the	the	DET
fsr-3403	131	6	probability	probability	NOUN
fsr-3403	131	7	of	of	ADP
fsr-3403	131	8	participating	participate	VERB
fsr-3403	131	9	in	in	ADP
fsr-3403	131	10	risky	risky	ADJ
fsr-3403	131	11	asset	asset	NOUN
fsr-3403	131	12	investment	investment	NOUN
fsr-3403	131	13	given	give	VERB
fsr-3403	131	14	x.	x.	NOUN
fsr-3403	131	15	the	the	DET
fsr-3403	131	16	marginal	marginal	ADJ
fsr-3403	131	17	effect	effect	NOUN
fsr-3403	131	18	of	of	ADP
fsr-3403	131	19	variable	variable	NOUN
fsr-3403	131	20	xj	xj	PROPN
fsr-3403	131	21	is	be	AUX
fsr-3403	131	22	given	give	VERB
fsr-3403	131	23	by	by	ADP
fsr-3403	131	24	�	�	PROPN
fsr-3403	131	25	p	p	NOUN
fsr-3403	131	26	�	�	PROPN
fsr-3403	131	27	x	x	SYM
fsr-3403	131	28	�	�	PROPN
fsr-3403	131	29	�	�	PROPN
fsr-3403	131	30	xj	xj	PROPN
fsr-3403	131	31	�	�	PROPN
fsr-3403	131	32	�	�	PROPN
fsr-3403	131	33	j	j	PROPN
fsr-3403	131	34	�	�	PROPN
fsr-3403	131	35	�	�	PROPN
fsr-3403	131	36	x	x	SYM
fsr-3403	131	37	�	�	PROPN
fsr-3403	131	38	�	�	PROPN
fsr-3403	131	39	�	�	PROPN
fsr-3403	131	40	(	(	PUNCT
fsr-3403	131	41	14	14	NUM
fsr-3403	131	42	)	)	PUNCT
fsr-3403	131	43	the	the	DET
fsr-3403	131	44	marginal	marginal	ADJ
fsr-3403	131	45	effect	effect	NOUN
fsr-3403	131	46	e[y	e[y	NOUN
fsr-3403	131	47	�	�	NOUN
fsr-3403	131	48	x]/	x]/	PROPN
fsr-3403	131	49	x	x	X
fsr-3403	131	50	is	be	AUX
fsr-3403	131	51	�	�	X
fsr-3403	131	52	2	2	NUM
fsr-3403	131	53	if	if	SCONJ
fsr-3403	131	54	the	the	DET
fsr-3403	131	55	independent	independent	ADJ
fsr-3403	131	56	variable	variable	NOUN
fsr-3403	131	57	only	only	ADV
fsr-3403	131	58	appears	appear	VERB
fsr-3403	131	59	in	in	ADP
fsr-3403	131	60	the	the	DET
fsr-3403	131	61	outcome	outcome	NOUN
fsr-3403	131	62	equation	equation	NOUN
fsr-3403	131	63	.	.	PUNCT
fsr-3403	132	1	if	if	SCONJ
fsr-3403	132	2	the	the	DET
fsr-3403	132	3	independent	independent	ADJ
fsr-3403	132	4	variable	variable	NOUN
fsr-3403	132	5	appears	appear	VERB
fsr-3403	132	6	in	in	ADP
fsr-3403	132	7	both	both	DET
fsr-3403	132	8	equations	equation	NOUN
fsr-3403	132	9	,	,	PUNCT
fsr-3403	132	10	the	the	DET
fsr-3403	132	11	marginal	marginal	ADJ
fsr-3403	132	12	effect	effect	NOUN
fsr-3403	132	13	is	be	AUX
fsr-3403	132	14	given	give	VERB
fsr-3403	132	15	by	by	ADP
fsr-3403	132	16	taking	take	VERB
fsr-3403	132	17	the	the	DET
fsr-3403	132	18	partial	partial	ADJ
fsr-3403	132	19	derivatives	derivative	NOUN
fsr-3403	132	20	of	of	ADP
fsr-3403	132	21	eq	eq	PROPN
fsr-3403	132	22	.	.	PROPN
fsr-3403	132	23	12	12	NUM
fsr-3403	132	24	(	(	PUNCT
fsr-3403	132	25	derivation	derivation	NOUN
fsr-3403	132	26	omitted	omit	VERB
fsr-3403	132	27	)	)	PUNCT
fsr-3403	132	28	.	.	PUNCT
fsr-3403	133	1	with	with	ADP
fsr-3403	133	2	the	the	DET
fsr-3403	133	3	above	above	ADJ
fsr-3403	133	4	sample	sample	NOUN
fsr-3403	133	5	selection	selection	NOUN
fsr-3403	133	6	model	model	NOUN
fsr-3403	133	7	,	,	PUNCT
fsr-3403	133	8	we	we	PRON
fsr-3403	133	9	test	test	VERB
fsr-3403	133	10	how	how	SCONJ
fsr-3403	133	11	debt	debt	NOUN
fsr-3403	133	12	structure	structure	NOUN
fsr-3403	133	13	affects	affect	VERB
fsr-3403	133	14	risky	risky	ADJ
fsr-3403	133	15	asset	asset	NOUN
fsr-3403	133	16	allocation	allocation	NOUN
fsr-3403	133	17	.	.	PUNCT
fsr-3403	134	1	our	our	PRON
fsr-3403	134	2	key	key	ADJ
fsr-3403	134	3	independent	independent	ADJ
fsr-3403	134	4	variable	variable	NOUN
fsr-3403	134	5	is	be	AUX
fsr-3403	134	6	the	the	DET
fsr-3403	134	7	proportion	proportion	NOUN
fsr-3403	134	8	of	of	ADP
fsr-3403	134	9	secured	secured	ADJ
fsr-3403	134	10	debt	debt	NOUN
fsr-3403	134	11	in	in	ADP
fsr-3403	134	12	total	total	ADJ
fsr-3403	134	13	debt	debt	NOUN
fsr-3403	134	14	.	.	PUNCT
fsr-3403	135	1	as	as	SCONJ
fsr-3403	135	2	defined	define	VERB
fsr-3403	135	3	in	in	ADP
fsr-3403	135	4	the	the	DET
fsr-3403	135	5	previous	previous	ADJ
fsr-3403	135	6	section	section	NOUN
fsr-3403	135	7	,	,	PUNCT
fsr-3403	135	8	the	the	DET
fsr-3403	135	9	secured	secure	VERB
fsr-3403	135	10	debt	debt	NOUN
fsr-3403	135	11	includes	include	VERB
fsr-3403	135	12	the	the	DET
fsr-3403	135	13	outstanding	outstanding	ADJ
fsr-3403	135	14	balance	balance	NOUN
fsr-3403	135	15	of	of	ADP
fsr-3403	135	16	the	the	DET
fsr-3403	135	17	household	household	NOUN
fsr-3403	135	18	’s	’s	PART
fsr-3403	135	19	mortgage	mortgage	NOUN
fsr-3403	135	20	and	and	CCONJ
fsr-3403	135	21	vehicle	vehicle	NOUN
fsr-3403	135	22	loans	loan	NOUN
fsr-3403	135	23	.	.	PUNCT
fsr-3403	136	1	we	we	PRON
fsr-3403	136	2	distinguish	distinguish	VERB
fsr-3403	136	3	between	between	ADP
fsr-3403	136	4	secured	secured	ADJ
fsr-3403	136	5	and	and	CCONJ
fsr-3403	136	6	unsecured	unsecured	ADJ
fsr-3403	136	7	debt	debt	NOUN
fsr-3403	136	8	given	give	VERB
fsr-3403	136	9	the	the	DET
fsr-3403	136	10	fact	fact	NOUN
fsr-3403	136	11	that	that	SCONJ
fsr-3403	136	12	unsecured	unsecured	ADJ
fsr-3403	136	13	debt	debt	NOUN
fsr-3403	136	14	is	be	AUX
fsr-3403	136	15	typically	typically	ADV
fsr-3403	136	16	more	more	ADV
fsr-3403	136	17	expensive	expensive	ADJ
fsr-3403	136	18	(	(	PUNCT
fsr-3403	136	19	higher	high	ADJ
fsr-3403	136	20	interest	interest	NOUN
fsr-3403	136	21	rates	rate	NOUN
fsr-3403	136	22	)	)	PUNCT
fsr-3403	136	23	than	than	ADP
fsr-3403	136	24	secured	secured	ADJ
fsr-3403	136	25	debt	debt	NOUN
fsr-3403	136	26	.	.	PUNCT
fsr-3403	137	1	however	however	ADV
fsr-3403	137	2	,	,	PUNCT
fsr-3403	137	3	the	the	DET
fsr-3403	137	4	adverse	adverse	ADJ
fsr-3403	137	5	financial	financial	ADJ
fsr-3403	137	6	shock	shock	NOUN
fsr-3403	137	7	is	be	AUX
fsr-3403	137	8	less	less	ADV
fsr-3403	137	9	likely	likely	ADJ
fsr-3403	137	10	to	to	PART
fsr-3403	137	11	cause	cause	VERB
fsr-3403	137	12	immediate	immediate	ADJ
fsr-3403	137	13	financial	financial	ADJ
fsr-3403	137	14	pressure	pressure	NOUN
fsr-3403	137	15	on	on	ADP
fsr-3403	137	16	unsecured	unsecured	ADJ
fsr-3403	137	17	debt	debt	NOUN
fsr-3403	137	18	than	than	ADP
fsr-3403	137	19	secured	secured	ADJ
fsr-3403	137	20	debt	debt	NOUN
fsr-3403	137	21	(	(	PUNCT
fsr-3403	137	22	brown	brown	NOUN
fsr-3403	137	23	and	and	CCONJ
fsr-3403	137	24	taylor	taylor	PROPN
fsr-3403	137	25	,	,	PUNCT
fsr-3403	137	26	2008	2008	NUM
fsr-3403	137	27	)	)	PUNCT
fsr-3403	137	28	.	.	PUNCT
fsr-3403	138	1	in	in	ADP
fsr-3403	138	2	addition	addition	NOUN
fsr-3403	138	3	,	,	PUNCT
fsr-3403	138	4	the	the	DET
fsr-3403	138	5	monthly	monthly	ADJ
fsr-3403	138	6	payments	payment	NOUN
fsr-3403	138	7	of	of	ADP
fsr-3403	138	8	secured	secured	ADJ
fsr-3403	138	9	debt	debt	NOUN
fsr-3403	138	10	can	can	AUX
fsr-3403	138	11	be	be	AUX
fsr-3403	138	12	considered	consider	VERB
fsr-3403	138	13	as	as	ADP
fsr-3403	138	14	part	part	NOUN
fsr-3403	138	15	of	of	ADP
fsr-3403	138	16	the	the	DET
fsr-3403	138	17	household	household	NOUN
fsr-3403	138	18	’s	’s	PART
fsr-3403	138	19	committed	commit	VERB
fsr-3403	138	20	expenses	expense	NOUN
fsr-3403	138	21	,	,	PUNCT
fsr-3403	138	22	which	which	PRON
fsr-3403	138	23	affect	affect	VERB
fsr-3403	138	24	the	the	DET
fsr-3403	138	25	household	household	NOUN
fsr-3403	138	26	’s	’s	PART
fsr-3403	138	27	liquidity	liquidity	NOUN
fsr-3403	138	28	needs	need	NOUN
fsr-3403	138	29	.	.	PUNCT
fsr-3403	139	1	3.2	3.2	NUM
fsr-3403	139	2	.	.	PUNCT
fsr-3403	140	1	the	the	DET
fsr-3403	140	2	bivariate	bivariate	ADJ
fsr-3403	140	3	model	model	NOUN
fsr-3403	140	4	the	the	DET
fsr-3403	140	5	empirical	empirical	ADJ
fsr-3403	140	6	question	question	NOUN
fsr-3403	140	7	is	be	AUX
fsr-3403	140	8	whether	whether	SCONJ
fsr-3403	140	9	there	there	PRON
fsr-3403	140	10	is	be	VERB
fsr-3403	140	11	a	a	DET
fsr-3403	140	12	relationship	relationship	NOUN
fsr-3403	140	13	between	between	ADP
fsr-3403	140	14	risky	risky	ADJ
fsr-3403	140	15	financial	financial	ADJ
fsr-3403	140	16	asset	asset	NOUN
fsr-3403	140	17	holding	holding	NOUN
fsr-3403	140	18	and	and	CCONJ
fsr-3403	140	19	debt	debt	NOUN
fsr-3403	140	20	structure	structure	NOUN
fsr-3403	140	21	.	.	PUNCT
fsr-3403	141	1	the	the	DET
fsr-3403	141	2	causal	causal	ADJ
fsr-3403	141	3	effect	effect	NOUN
fsr-3403	141	4	is	be	AUX
fsr-3403	141	5	not	not	PART
fsr-3403	141	6	meaningful	meaningful	ADJ
fsr-3403	141	7	because	because	SCONJ
fsr-3403	141	8	the	the	DET
fsr-3403	141	9	two	two	NUM
fsr-3403	141	10	quantities	quantity	NOUN
fsr-3403	141	11	are	be	AUX
fsr-3403	141	12	clearly	clearly	ADV
fsr-3403	141	13	jointly	jointly	ADV
fsr-3403	141	14	determined	determine	VERB
fsr-3403	141	15	by	by	ADP
fsr-3403	141	16	the	the	DET
fsr-3403	141	17	household	household	NOUN
fsr-3403	141	18	.	.	PUNCT
fsr-3403	142	1	households	household	NOUN
fsr-3403	142	2	’	'	PUNCT
fsr-3403	142	3	asset	asset	NOUN
fsr-3403	142	4	allocation	allocation	NOUN
fsr-3403	142	5	choices	choice	NOUN
fsr-3403	142	6	are	be	AUX
fsr-3403	142	7	obviously	obviously	ADV
fsr-3403	142	8	bound	bind	VERB
fsr-3403	142	9	by	by	ADP
fsr-3403	142	10	how	how	SCONJ
fsr-3403	142	11	much	much	ADJ
fsr-3403	142	12	debt	debt	NOUN
fsr-3403	142	13	they	they	PRON
fsr-3403	142	14	have	have	AUX
fsr-3403	142	15	;	;	PUNCT
fsr-3403	142	16	when	when	SCONJ
fsr-3403	142	17	consumers	consumer	NOUN
fsr-3403	142	18	borrow	borrow	VERB
fsr-3403	142	19	they	they	PRON
fsr-3403	142	20	need	need	VERB
fsr-3403	142	21	to	to	PART
fsr-3403	142	22	consider	consider	VERB
fsr-3403	142	23	how	how	SCONJ
fsr-3403	142	24	much	much	ADJ
fsr-3403	142	25	assets	asset	NOUN
fsr-3403	142	26	they	they	PRON
fsr-3403	142	27	have	have	VERB
fsr-3403	142	28	.	.	PUNCT
fsr-3403	143	1	cardak	cardak	PROPN
fsr-3403	143	2	and	and	CCONJ
fsr-3403	143	3	wilkins	wilkins	PROPN
fsr-3403	143	4	(	(	PUNCT
fsr-3403	143	5	2009	2009	NUM
fsr-3403	143	6	)	)	PUNCT
fsr-3403	143	7	express	express	VERB
fsr-3403	143	8	concerns	concern	NOUN
fsr-3403	143	9	on	on	ADP
fsr-3403	143	10	the	the	DET
fsr-3403	143	11	potential	potential	ADJ
fsr-3403	143	12	endogeneity	endogeneity	NOUN
fsr-3403	143	13	problem	problem	NOUN
fsr-3403	143	14	because	because	SCONJ
fsr-3403	143	15	asset	asset	NOUN
fsr-3403	143	16	and	and	CCONJ
fsr-3403	143	17	debt	debt	NOUN
fsr-3403	143	18	allocations	allocation	NOUN
fsr-3403	143	19	are	be	AUX
fsr-3403	143	20	often	often	ADV
fsr-3403	143	21	determined	determine	VERB
fsr-3403	143	22	simultaneously	simultaneously	ADV
fsr-3403	143	23	,	,	PUNCT
fsr-3403	143	24	but	but	CCONJ
fsr-3403	143	25	they	they	PRON
fsr-3403	143	26	proceed	proceed	VERB
fsr-3403	143	27	to	to	PART
fsr-3403	143	28	estimate	estimate	VERB
fsr-3403	143	29	reduced	reduce	VERB
fsr-3403	143	30	-	-	PUNCT
fsr-3403	143	31	form	form	NOUN
fsr-3403	143	32	regressions	regression	NOUN
fsr-3403	143	33	with	with	ADP
fsr-3403	143	34	the	the	DET
fsr-3403	143	35	risky	risky	ADJ
fsr-3403	143	36	asset	asset	NOUN
fsr-3403	143	37	ratio	ratio	NOUN
fsr-3403	143	38	on	on	ADP
fsr-3403	143	39	the	the	DET
fsr-3403	143	40	left	left	ADJ
fsr-3403	143	41	hand	hand	NOUN
fsr-3403	143	42	side	side	NOUN
fsr-3403	143	43	and	and	CCONJ
fsr-3403	143	44	measures	measure	NOUN
fsr-3403	143	45	of	of	ADP
fsr-3403	143	46	committed	committed	ADJ
fsr-3403	143	47	expenses	expense	NOUN
fsr-3403	143	48	on	on	ADP
fsr-3403	143	49	the	the	DET
fsr-3403	143	50	right	right	ADJ
fsr-3403	143	51	hand	hand	NOUN
fsr-3403	143	52	side	side	NOUN
fsr-3403	143	53	.	.	PUNCT
fsr-3403	144	1	to	to	PART
fsr-3403	144	2	examine	examine	VERB
fsr-3403	144	3	the	the	DET
fsr-3403	144	4	joint	joint	ADJ
fsr-3403	144	5	decision	decision	NOUN
fsr-3403	144	6	of	of	ADP
fsr-3403	144	7	asset	asset	NOUN
fsr-3403	144	8	and	and	CCONJ
fsr-3403	144	9	debt	debt	NOUN
fsr-3403	144	10	allocations	allocation	NOUN
fsr-3403	144	11	,	,	PUNCT
fsr-3403	144	12	we	we	PRON
fsr-3403	144	13	apply	apply	VERB
fsr-3403	144	14	a	a	DET
fsr-3403	144	15	bivariate	bivariate	ADJ
fsr-3403	144	16	model	model	NOUN
fsr-3403	144	17	,	,	PUNCT
fsr-3403	144	18	which	which	PRON
fsr-3403	144	19	is	be	AUX
fsr-3403	144	20	developed	develop	VERB
fsr-3403	144	21	in	in	ADP
fsr-3403	144	22	the	the	DET
fsr-3403	144	23	context	context	NOUN
fsr-3403	144	24	of	of	ADP
fsr-3403	144	25	the	the	DET
fsr-3403	144	26	joint	joint	ADJ
fsr-3403	144	27	distribution	distribution	NOUN
fsr-3403	144	28	,	,	PUNCT
fsr-3403	144	29	assuming	assume	VERB
fsr-3403	144	30	a	a	DET
fsr-3403	144	31	bivariate	bivariate	ADJ
fsr-3403	144	32	normal	normal	ADJ
fsr-3403	144	33	distribution.3	distribution.3	PROPN
fsr-3403	144	34	the	the	DET
fsr-3403	144	35	bivariate	bivariate	ADJ
fsr-3403	144	36	model	model	NOUN
fsr-3403	144	37	allows	allow	VERB
fsr-3403	144	38	for	for	ADP
fsr-3403	144	39	the	the	DET
fsr-3403	144	40	possibility	possibility	NOUN
fsr-3403	144	41	of	of	ADP
fsr-3403	144	42	interdependent	interdependent	ADJ
fsr-3403	144	43	decision	decision	NOUN
fsr-3403	144	44	making	make	VERB
fsr-3403	144	45	with	with	ADP
fsr-3403	144	46	respect	respect	NOUN
fsr-3403	144	47	to	to	ADP
fsr-3403	144	48	the	the	DET
fsr-3403	144	49	share	share	NOUN
fsr-3403	144	50	of	of	ADP
fsr-3403	144	51	risky	risky	ADJ
fsr-3403	144	52	assets	asset	NOUN
fsr-3403	144	53	(	(	PUNCT
fsr-3403	144	54	ya	ya	NOUN
fsr-3403	144	55	)	)	PUNCT
fsr-3403	144	56	and	and	CCONJ
fsr-3403	144	57	the	the	DET
fsr-3403	144	58	share	share	NOUN
fsr-3403	144	59	of	of	ADP
fsr-3403	144	60	secured	secure	VERB
fsr-3403	144	61	debts	debt	NOUN
fsr-3403	144	62	(	(	PUNCT
fsr-3403	144	63	yd	yd	NOUN
fsr-3403	144	64	)	)	PUNCT
fsr-3403	144	65	,	,	PUNCT
fsr-3403	144	66	both	both	PRON
fsr-3403	144	67	of	of	ADP
fsr-3403	144	68	which	which	PRON
fsr-3403	144	69	are	be	AUX
fsr-3403	144	70	331r	331r	PROPN
fsr-3403	144	71	.	.	PUNCT
fsr-3403	145	1	tao	tao	PROPN
fsr-3403	145	2	,	,	PUNCT
fsr-3403	145	3	y.	y.	PROPN
fsr-3403	145	4	yuan	yuan	PROPN
fsr-3403	145	5	/	/	SYM
fsr-3403	145	6	financial	financial	ADJ
fsr-3403	145	7	services	service	NOUN
fsr-3403	145	8	review	review	VERB
fsr-3403	145	9	27	27	NUM
fsr-3403	145	10	(	(	PUNCT
fsr-3403	145	11	2018	2018	NUM
fsr-3403	145	12	)	)	PUNCT
fsr-3403	145	13	325	325	NUM
fsr-3403	145	14	-	-	SYM
fsr-3403	145	15	344	344	NUM
fsr-3403	145	16	censored	censor	VERB
fsr-3403	145	17	.	.	PUNCT
fsr-3403	146	1	each	each	DET
fsr-3403	146	2	variable	variable	NOUN
fsr-3403	146	3	can	can	AUX
fsr-3403	146	4	be	be	AUX
fsr-3403	146	5	expressed	express	VERB
fsr-3403	146	6	by	by	ADP
fsr-3403	146	7	eqs	eqs	PROPN
fsr-3403	146	8	.	.	PUNCT
fsr-3403	147	1	(	(	PUNCT
fsr-3403	147	2	1	1	X
fsr-3403	147	3	)	)	PUNCT
fsr-3403	147	4	and	and	CCONJ
fsr-3403	147	5	(	(	PUNCT
fsr-3403	147	6	2	2	NUM
fsr-3403	147	7	)	)	PUNCT
fsr-3403	147	8	.	.	PUNCT
fsr-3403	148	1	the	the	DET
fsr-3403	148	2	bivariate	bivariate	ADJ
fsr-3403	148	3	tobit	tobit	NOUN
fsr-3403	148	4	model	model	NOUN
fsr-3403	148	5	can	can	AUX
fsr-3403	148	6	be	be	AUX
fsr-3403	148	7	specified	specify	VERB
fsr-3403	148	8	as	as	SCONJ
fsr-3403	148	9	follows	follow	VERB
fsr-3403	148	10	,	,	PUNCT
fsr-3403	149	1	ya	ya	PROPN
fsr-3403	149	2	�	�	PROPN
fsr-3403	149	3	�	�	PROPN
fsr-3403	149	4	ya	ya	PROPN
fsr-3403	149	5	*	*	PROPN
fsr-3403	149	6	if	if	SCONJ
fsr-3403	149	7	ya	ya	PROPN
fsr-3403	149	8	*	*	PROPN
fsr-3403	149	9	�	�	PROPN
fsr-3403	149	10	0	0	NUM
fsr-3403	149	11	,	,	PUNCT
fsr-3403	149	12	0	0	NUM
fsr-3403	149	13	otherwise	otherwise	ADV
fsr-3403	149	14	.	.	PUNCT
fsr-3403	150	1	(	(	PUNCT
fsr-3403	150	2	15	15	NUM
fsr-3403	150	3	)	)	PUNCT
fsr-3403	150	4	yd	yd	PROPN
fsr-3403	150	5	�	�	PROPN
fsr-3403	150	6	�	�	PROPN
fsr-3403	150	7	yd	yd	PROPN
fsr-3403	150	8	*	*	PROPN
fsr-3403	150	9	if	if	SCONJ
fsr-3403	150	10	yd	yd	PROPN
fsr-3403	150	11	*	*	PROPN
fsr-3403	150	12	�	�	PROPN
fsr-3403	150	13	0	0	NUM
fsr-3403	150	14	,	,	PUNCT
fsr-3403	150	15	0	0	NUM
fsr-3403	150	16	otherwise	otherwise	ADV
fsr-3403	150	17	.	.	PUNCT
fsr-3403	151	1	(	(	PUNCT
fsr-3403	151	2	16	16	NUM
fsr-3403	151	3	)	)	PUNCT
fsr-3403	151	4	both	both	DET
fsr-3403	151	5	latent	latent	ADJ
fsr-3403	151	6	variable	variable	NOUN
fsr-3403	151	7	ya	ya	PROPN
fsr-3403	151	8	*	*	PROPN
fsr-3403	151	9	and	and	CCONJ
fsr-3403	151	10	yd	yd	PROPN
fsr-3403	151	11	*	*	PROPN
fsr-3403	151	12	are	be	AUX
fsr-3403	151	13	linear	linear	ADJ
fsr-3403	151	14	model	model	NOUN
fsr-3403	151	15	with	with	ADP
fsr-3403	151	16	additive	additive	ADJ
fsr-3403	151	17	errors	error	NOUN
fsr-3403	151	18	,	,	PUNCT
fsr-3403	151	19	ya	ya	PROPN
fsr-3403	151	20	*	*	PROPN
fsr-3403	151	21	�	�	PROPN
fsr-3403	151	22	xh	xh	PROPN
fsr-3403	151	23	�	�	PROPN
fsr-3403	151	24	�	�	PROPN
fsr-3403	151	25	1	1	NUM
fsr-3403	151	26	�	�	PROPN
fsr-3403	151	27	�	�	PROPN
fsr-3403	151	28	h1	h1	NOUN
fsr-3403	151	29	(	(	PUNCT
fsr-3403	152	1	17	17	NUM
fsr-3403	152	2	)	)	PUNCT
fsr-3403	152	3	yd	yd	PROPN
fsr-3403	152	4	*	*	PROPN
fsr-3403	152	5	�	�	PROPN
fsr-3403	152	6	xh	xh	PROPN
fsr-3403	152	7	�	�	PROPN
fsr-3403	152	8	�	�	PROPN
fsr-3403	152	9	2	2	NUM
fsr-3403	152	10	�	�	PROPN
fsr-3403	152	11	�	�	PROPN
fsr-3403	152	12	h2	h2	PROPN
fsr-3403	152	13	(	(	PUNCT
fsr-3403	152	14	18	18	NUM
fsr-3403	152	15	)	)	PUNCT
fsr-3403	152	16	where	where	SCONJ
fsr-3403	152	17	xh	xh	PROPN
fsr-3403	152	18	is	be	AUX
fsr-3403	152	19	a	a	DET
fsr-3403	152	20	vector	vector	NOUN
fsr-3403	152	21	of	of	ADP
fsr-3403	152	22	independent	independent	ADJ
fsr-3403	152	23	variables	variable	NOUN
fsr-3403	152	24	that	that	PRON
fsr-3403	152	25	affect	affect	VERB
fsr-3403	152	26	household	household	NOUN
fsr-3403	152	27	portfolio	portfolio	NOUN
fsr-3403	152	28	choices	choice	NOUN
fsr-3403	152	29	;	;	PUNCT
fsr-3403	152	30	�	�	NOUN
fsr-3403	152	31	h1	h1	PROPN
fsr-3403	152	32	and	and	CCONJ
fsr-3403	152	33	�	�	PROPN
fsr-3403	152	34	h2	h2	PROPN
fsr-3403	152	35	are	be	AUX
fsr-3403	152	36	the	the	DET
fsr-3403	152	37	error	error	NOUN
fsr-3403	152	38	terms	term	NOUN
fsr-3403	152	39	which	which	PRON
fsr-3403	152	40	are	be	AUX
fsr-3403	152	41	jointly	jointly	ADV
fsr-3403	152	42	normally	normally	ADV
fsr-3403	152	43	distributed	distribute	VERB
fsr-3403	152	44	with	with	ADP
fsr-3403	152	45	variances	variance	NOUN
fsr-3403	152	46	�	�	PROPN
fsr-3403	152	47	h1	h1	ADJ
fsr-3403	152	48	2	2	NUM
fsr-3403	152	49	and	and	CCONJ
fsr-3403	152	50	�	�	NOUN
fsr-3403	152	51	h2	h2	NOUN
fsr-3403	152	52	2	2	NUM
fsr-3403	152	53	,	,	PUNCT
fsr-3403	152	54	respectively	respectively	ADV
fsr-3403	152	55	,	,	PUNCT
fsr-3403	152	56	that	that	PRON
fsr-3403	152	57	is	be	AUX
fsr-3403	152	58	:	:	PUNCT
fsr-3403	152	59	�	�	PROPN
fsr-3403	152	60	h1	h1	PROPN
fsr-3403	152	61	,	,	PUNCT
fsr-3403	152	62	�	�	PROPN
fsr-3403	152	63	h1	h1	PROPN
fsr-3403	152	64	�	�	PROPN
fsr-3403	152	65	n	n	CCONJ
fsr-3403	152	66	�	�	PROPN
fsr-3403	152	67	0	0	NUM
fsr-3403	152	68	,	,	PUNCT
fsr-3403	152	69	0	0	NUM
fsr-3403	152	70	,	,	PUNCT
fsr-3403	152	71	�	�	NOUN
fsr-3403	152	72	h1	h1	NOUN
fsr-3403	152	73	2	2	NUM
fsr-3403	152	74	,	,	PUNCT
fsr-3403	152	75	�	�	PROPN
fsr-3403	152	76	h2	h2	NOUN
fsr-3403	152	77	2	2	NUM
fsr-3403	152	78	,	,	PUNCT
fsr-3403	152	79	�	�	PROPN
fsr-3403	152	80	�	�	PROPN
fsr-3403	152	81	(	(	PUNCT
fsr-3403	152	82	19	19	NUM
fsr-3403	152	83	)	)	PUNCT
fsr-3403	152	84	where	where	SCONJ
fsr-3403	152	85	the	the	DET
fsr-3403	152	86	covariance	covariance	NOUN
fsr-3403	152	87	is	be	AUX
fsr-3403	152	88	given	give	VERB
fsr-3403	152	89	by	by	ADP
fsr-3403	152	90	�	�	PROPN
fsr-3403	152	91	h1h2	h1h2	PROPN
fsr-3403	152	92	�	�	PROPN
fsr-3403	152	93	�	�	PROPN
fsr-3403	152	94	�	�	PROPN
fsr-3403	152	95	h1	h1	PROPN
fsr-3403	152	96	�	�	PROPN
fsr-3403	152	97	h2	h2	PROPN
fsr-3403	152	98	(	(	PUNCT
fsr-3403	152	99	20	20	NUM
fsr-3403	152	100	)	)	PUNCT
fsr-3403	152	101	where	where	SCONJ
fsr-3403	152	102	�	�	PROPN
fsr-3403	152	103	is	be	AUX
fsr-3403	152	104	the	the	DET
fsr-3403	152	105	correlation	correlation	NOUN
fsr-3403	152	106	coefficient	coefficient	NOUN
fsr-3403	152	107	of	of	ADP
fsr-3403	152	108	�	�	PROPN
fsr-3403	152	109	h1	h1	PROPN
fsr-3403	152	110	and	and	CCONJ
fsr-3403	152	111	�	�	NOUN
fsr-3403	152	112	h2	h2	PROPN
fsr-3403	152	113	,	,	PUNCT
fsr-3403	152	114	which	which	PRON
fsr-3403	152	115	measures	measure	VERB
fsr-3403	152	116	the	the	DET
fsr-3403	152	117	degree	degree	NOUN
fsr-3403	152	118	of	of	ADP
fsr-3403	152	119	interdependence	interdependence	NOUN
fsr-3403	152	120	between	between	ADP
fsr-3403	152	121	ya	ya	PROPN
fsr-3403	152	122	*	*	PROPN
fsr-3403	152	123	and	and	CCONJ
fsr-3403	152	124	yb	yb	PROPN
fsr-3403	152	125	*	*	PROPN
fsr-3403	152	126	.	.	PUNCT
fsr-3403	153	1	a	a	DET
fsr-3403	153	2	maximum	maximum	ADJ
fsr-3403	153	3	-	-	PUNCT
fsr-3403	153	4	likelihood	likelihood	NOUN
fsr-3403	153	5	estimation	estimation	NOUN
fsr-3403	153	6	is	be	AUX
fsr-3403	153	7	carried	carry	VERB
fsr-3403	153	8	out	out	ADP
fsr-3403	153	9	to	to	PART
fsr-3403	153	10	derive	derive	VERB
fsr-3403	153	11	the	the	DET
fsr-3403	153	12	coefficients	coefficient	NOUN
fsr-3403	153	13	for	for	ADP
fsr-3403	153	14	each	each	DET
fsr-3403	153	15	equation	equation	NOUN
fsr-3403	153	16	,	,	PUNCT
fsr-3403	153	17	the	the	DET
fsr-3403	153	18	cross	cross	ADJ
fsr-3403	153	19	-	-	ADJ
fsr-3403	153	20	equation	equation	NOUN
fsr-3403	153	21	error	error	NOUN
fsr-3403	153	22	correlations	correlation	NOUN
fsr-3403	153	23	,	,	PUNCT
fsr-3403	153	24	and	and	CCONJ
fsr-3403	153	25	the	the	DET
fsr-3403	153	26	variance	variance	NOUN
fsr-3403	153	27	of	of	ADP
fsr-3403	153	28	the	the	DET
fsr-3403	153	29	error	error	NOUN
fsr-3403	153	30	terms	term	NOUN
fsr-3403	153	31	.	.	PUNCT
fsr-3403	154	1	if	if	SCONJ
fsr-3403	154	2	�	�	PROPN
fsr-3403	154	3	is	be	AUX
fsr-3403	154	4	zero	zero	NUM
fsr-3403	154	5	,	,	PUNCT
fsr-3403	154	6	the	the	DET
fsr-3403	154	7	joint	joint	ADJ
fsr-3403	154	8	normal	normal	ADJ
fsr-3403	154	9	density	density	NOUN
fsr-3403	154	10	function	function	NOUN
fsr-3403	154	11	would	would	AUX
fsr-3403	154	12	collapse	collapse	VERB
fsr-3403	154	13	to	to	ADP
fsr-3403	154	14	the	the	DET
fsr-3403	154	15	product	product	NOUN
fsr-3403	154	16	of	of	ADP
fsr-3403	154	17	two	two	NUM
fsr-3403	154	18	independent	independent	ADJ
fsr-3403	154	19	normal	normal	ADJ
fsr-3403	154	20	density	density	NOUN
fsr-3403	154	21	functions	function	NOUN
fsr-3403	154	22	and	and	CCONJ
fsr-3403	154	23	a	a	DET
fsr-3403	154	24	univariate	univariate	ADJ
fsr-3403	154	25	approach	approach	NOUN
fsr-3403	154	26	of	of	ADP
fsr-3403	154	27	separating	separate	VERB
fsr-3403	154	28	eqs	eqs	PROPN
fsr-3403	154	29	.	.	PUNCT
fsr-3403	155	1	(	(	PUNCT
fsr-3403	155	2	17	17	NUM
fsr-3403	155	3	)	)	PUNCT
fsr-3403	155	4	and	and	CCONJ
fsr-3403	155	5	(	(	PUNCT
fsr-3403	155	6	18	18	NUM
fsr-3403	155	7	)	)	PUNCT
fsr-3403	155	8	would	would	AUX
fsr-3403	155	9	be	be	AUX
fsr-3403	155	10	appropriate	appropriate	ADJ
fsr-3403	155	11	.	.	PUNCT
fsr-3403	156	1	4	4	X
fsr-3403	156	2	.	.	X
fsr-3403	156	3	data	datum	NOUN
fsr-3403	156	4	the	the	DET
fsr-3403	156	5	data	datum	NOUN
fsr-3403	156	6	used	use	VERB
fsr-3403	156	7	in	in	ADP
fsr-3403	156	8	this	this	DET
fsr-3403	156	9	paper	paper	NOUN
fsr-3403	156	10	comes	come	VERB
fsr-3403	156	11	from	from	ADP
fsr-3403	156	12	the	the	DET
fsr-3403	156	13	2016	2016	NUM
fsr-3403	156	14	survey	survey	NOUN
fsr-3403	156	15	of	of	ADP
fsr-3403	156	16	consumer	consumer	NOUN
fsr-3403	156	17	finances	finance	NOUN
fsr-3403	156	18	(	(	PUNCT
fsr-3403	156	19	scf	scf	PROPN
fsr-3403	156	20	)	)	PUNCT
fsr-3403	156	21	.	.	PUNCT
fsr-3403	157	1	the	the	DET
fsr-3403	157	2	scf	scf	PROPN
fsr-3403	157	3	are	be	AUX
fsr-3403	157	4	sponsored	sponsor	VERB
fsr-3403	157	5	by	by	ADP
fsr-3403	157	6	the	the	DET
fsr-3403	157	7	federal	federal	PROPN
fsr-3403	157	8	reserve	reserve	PROPN
fsr-3403	157	9	board	board	PROPN
fsr-3403	157	10	in	in	ADP
fsr-3403	157	11	cooperation	cooperation	NOUN
fsr-3403	157	12	with	with	ADP
fsr-3403	157	13	the	the	DET
fsr-3403	157	14	department	department	NOUN
fsr-3403	157	15	of	of	ADP
fsr-3403	157	16	the	the	DET
fsr-3403	157	17	treasury	treasury	PROPN
fsr-3403	157	18	.	.	PUNCT
fsr-3403	158	1	scf	scf	PROPN
fsr-3403	158	2	has	have	AUX
fsr-3403	158	3	been	be	AUX
fsr-3403	158	4	conducted	conduct	VERB
fsr-3403	158	5	by	by	ADP
fsr-3403	158	6	the	the	DET
fsr-3403	158	7	national	national	ADJ
fsr-3403	158	8	opinion	opinion	PROPN
fsr-3403	158	9	research	research	NOUN
fsr-3403	158	10	center	center	NOUN
fsr-3403	158	11	and	and	CCONJ
fsr-3403	158	12	the	the	DET
fsr-3403	158	13	university	university	NOUN
fsr-3403	158	14	of	of	ADP
fsr-3403	158	15	michigan	michigan	PROPN
fsr-3403	158	16	since	since	SCONJ
fsr-3403	158	17	1983	1983	NUM
fsr-3403	158	18	.	.	PUNCT
fsr-3403	159	1	the	the	DET
fsr-3403	159	2	scf	scf	PROPN
fsr-3403	159	3	is	be	AUX
fsr-3403	159	4	the	the	DET
fsr-3403	159	5	most	most	ADV
fsr-3403	159	6	comprehensive	comprehensive	ADJ
fsr-3403	159	7	data	datum	NOUN
fsr-3403	159	8	source	source	NOUN
fsr-3403	159	9	on	on	ADP
fsr-3403	159	10	household	household	NOUN
fsr-3403	159	11	financial	financial	ADJ
fsr-3403	159	12	information	information	NOUN
fsr-3403	159	13	in	in	ADP
fsr-3403	159	14	the	the	DET
fsr-3403	159	15	united	united	PROPN
fsr-3403	159	16	states	states	PROPN
fsr-3403	159	17	.	.	PUNCT
fsr-3403	160	1	the	the	DET
fsr-3403	160	2	survey	survey	NOUN
fsr-3403	160	3	data	datum	NOUN
fsr-3403	160	4	in	in	ADP
fsr-3403	160	5	the	the	DET
fsr-3403	160	6	scf	scf	PROPN
fsr-3403	160	7	include	include	VERB
fsr-3403	160	8	much	much	ADJ
fsr-3403	160	9	information	information	NOUN
fsr-3403	160	10	on	on	ADP
fsr-3403	160	11	households	household	NOUN
fsr-3403	160	12	’	'	PUNCT
fsr-3403	160	13	balance	balance	NOUN
fsr-3403	160	14	sheet	sheet	NOUN
fsr-3403	160	15	,	,	PUNCT
fsr-3403	160	16	pensions	pension	NOUN
fsr-3403	160	17	,	,	PUNCT
fsr-3403	160	18	income	income	NOUN
fsr-3403	160	19	,	,	PUNCT
fsr-3403	160	20	as	as	ADV
fsr-3403	160	21	well	well	ADV
fsr-3403	160	22	as	as	ADP
fsr-3403	160	23	detailed	detailed	ADJ
fsr-3403	160	24	data	datum	NOUN
fsr-3403	160	25	on	on	ADP
fsr-3403	160	26	demographic	demographic	ADJ
fsr-3403	160	27	characteristics	characteristic	NOUN
fsr-3403	160	28	.	.	PUNCT
fsr-3403	161	1	the	the	DET
fsr-3403	161	2	scf	scf	PROPN
fsr-3403	161	3	data	datum	NOUN
fsr-3403	161	4	are	be	AUX
fsr-3403	161	5	not	not	PART
fsr-3403	161	6	a	a	DET
fsr-3403	161	7	panel	panel	NOUN
fsr-3403	161	8	data	datum	NOUN
fsr-3403	161	9	.	.	PUNCT
fsr-3403	162	1	some	some	PRON
fsr-3403	162	2	of	of	ADP
fsr-3403	162	3	the	the	DET
fsr-3403	162	4	survey	survey	NOUN
fsr-3403	162	5	interviewees	interviewee	NOUN
fsr-3403	162	6	were	be	AUX
fsr-3403	162	7	selected	select	VERB
fsr-3403	162	8	from	from	ADP
fsr-3403	162	9	a	a	DET
fsr-3403	162	10	standard	standard	ADJ
fsr-3403	162	11	multistage	multistage	NOUN
fsr-3403	162	12	area	area	NOUN
fsr-3403	162	13	-	-	PUNCT
fsr-3403	162	14	probability	probability	NOUN
fsr-3403	162	15	design	design	NOUN
fsr-3403	162	16	,	,	PUNCT
fsr-3403	162	17	and	and	CCONJ
fsr-3403	162	18	the	the	DET
fsr-3403	162	19	remaining	remain	VERB
fsr-3403	162	20	were	be	AUX
fsr-3403	162	21	selected	select	VERB
fsr-3403	162	22	from	from	ADP
fsr-3403	162	23	a	a	DET
fsr-3403	162	24	list	list	NOUN
fsr-3403	162	25	sample	sample	NOUN
fsr-3403	162	26	derived	derive	VERB
fsr-3403	162	27	from	from	ADP
fsr-3403	162	28	tax	tax	NOUN
fsr-3403	162	29	records	record	NOUN
fsr-3403	162	30	by	by	ADP
fsr-3403	162	31	internal	internal	ADJ
fsr-3403	162	32	revenue	revenue	NOUN
fsr-3403	162	33	service	service	NOUN
fsr-3403	162	34	.	.	PUNCT
fsr-3403	163	1	the	the	DET
fsr-3403	163	2	scf	scf	PROPN
fsr-3403	163	3	is	be	AUX
fsr-3403	163	4	conducted	conduct	VERB
fsr-3403	163	5	every	every	DET
fsr-3403	163	6	three	three	NUM
fsr-3403	163	7	years	year	NOUN
fsr-3403	163	8	.	.	PUNCT
fsr-3403	164	1	we	we	PRON
fsr-3403	164	2	choose	choose	VERB
fsr-3403	164	3	the	the	DET
fsr-3403	164	4	2016	2016	NUM
fsr-3403	164	5	wave	wave	NOUN
fsr-3403	164	6	because	because	SCONJ
fsr-3403	164	7	it	it	PRON
fsr-3403	164	8	is	be	AUX
fsr-3403	164	9	the	the	DET
fsr-3403	164	10	most	most	ADV
fsr-3403	164	11	recent	recent	ADJ
fsr-3403	164	12	data	datum	NOUN
fsr-3403	164	13	available	available	ADJ
fsr-3403	164	14	and	and	CCONJ
fsr-3403	164	15	it	it	PRON
fsr-3403	164	16	made	make	VERB
fsr-3403	164	17	many	many	ADJ
fsr-3403	164	18	changes	change	NOUN
fsr-3403	164	19	from	from	ADP
fsr-3403	164	20	the	the	DET
fsr-3403	164	21	previous	previous	ADJ
fsr-3403	164	22	2013	2013	NUM
fsr-3403	164	23	wave	wave	NOUN
fsr-3403	164	24	.	.	PUNCT
fsr-3403	165	1	for	for	ADP
fsr-3403	165	2	example	example	NOUN
fsr-3403	165	3	,	,	PUNCT
fsr-3403	165	4	there	there	PRON
fsr-3403	165	5	is	be	VERB
fsr-3403	165	6	a	a	DET
fsr-3403	165	7	major	major	ADJ
fsr-3403	165	8	update	update	NOUN
fsr-3403	165	9	on	on	ADP
fsr-3403	165	10	the	the	DET
fsr-3403	165	11	education	education	NOUN
fsr-3403	165	12	loan	loan	NOUN
fsr-3403	165	13	section	section	NOUN
fsr-3403	165	14	,	,	PUNCT
fsr-3403	165	15	the	the	DET
fsr-3403	165	16	credit	credit	NOUN
fsr-3403	165	17	card	card	NOUN
fsr-3403	165	18	section	section	NOUN
fsr-3403	165	19	is	be	AUX
fsr-3403	165	20	reworked	rework	VERB
fsr-3403	165	21	,	,	PUNCT
fsr-3403	165	22	and	and	CCONJ
fsr-3403	165	23	a	a	DET
fsr-3403	165	24	new	new	ADJ
fsr-3403	165	25	set	set	NOUN
fsr-3403	165	26	of	of	ADP
fsr-3403	165	27	risk	risk	NOUN
fsr-3403	165	28	attitude	attitude	NOUN
fsr-3403	165	29	332	332	NUM
fsr-3403	165	30	r.	r.	PROPN
fsr-3403	165	31	tao	tao	PROPN
fsr-3403	165	32	,	,	PUNCT
fsr-3403	165	33	y.	y.	PROPN
fsr-3403	165	34	yuan	yuan	PROPN
fsr-3403	165	35	/	/	SYM
fsr-3403	165	36	financial	financial	ADJ
fsr-3403	165	37	services	service	NOUN
fsr-3403	165	38	review	review	VERB
fsr-3403	165	39	27	27	NUM
fsr-3403	165	40	(	(	PUNCT
fsr-3403	165	41	2018	2018	NUM
fsr-3403	165	42	)	)	PUNCT
fsr-3403	165	43	325	325	NUM
fsr-3403	165	44	-	-	SYM
fsr-3403	165	45	344	344	NUM
fsr-3403	165	46	variables	variable	NOUN
fsr-3403	165	47	is	be	AUX
fsr-3403	165	48	added	add	VERB
fsr-3403	165	49	.	.	PUNCT
fsr-3403	166	1	in	in	ADP
fsr-3403	166	2	addition	addition	NOUN
fsr-3403	166	3	,	,	PUNCT
fsr-3403	166	4	by	by	ADP
fsr-3403	166	5	the	the	DET
fsr-3403	166	6	time	time	NOUN
fsr-3403	166	7	of	of	ADP
fsr-3403	166	8	the	the	DET
fsr-3403	166	9	2016	2016	NUM
fsr-3403	166	10	survey	survey	NOUN
fsr-3403	166	11	the	the	DET
fsr-3403	166	12	economy	economy	NOUN
fsr-3403	166	13	was	be	AUX
fsr-3403	166	14	out	out	ADP
fsr-3403	166	15	of	of	ADP
fsr-3403	166	16	the	the	DET
fsr-3403	166	17	2008	2008	NUM
fsr-3403	166	18	financial	financial	ADJ
fsr-3403	166	19	crisis	crisis	NOUN
fsr-3403	166	20	,	,	PUNCT
fsr-3403	166	21	the	the	DET
fsr-3403	166	22	impact	impact	NOUN
fsr-3403	166	23	of	of	ADP
fsr-3403	166	24	the	the	DET
fsr-3403	166	25	subprime	subprime	ADJ
fsr-3403	166	26	mortgage	mortgage	NOUN
fsr-3403	166	27	crisis	crisis	NOUN
fsr-3403	166	28	has	have	AUX
fsr-3403	166	29	been	be	AUX
fsr-3403	166	30	fading	fade	VERB
fsr-3403	166	31	out	out	ADP
fsr-3403	166	32	the	the	DET
fsr-3403	166	33	economy	economy	NOUN
fsr-3403	166	34	,	,	PUNCT
fsr-3403	166	35	consumers	consumer	NOUN
fsr-3403	166	36	face	face	VERB
fsr-3403	166	37	fewer	few	ADJ
fsr-3403	166	38	credit	credit	NOUN
fsr-3403	166	39	constraints	constraint	NOUN
fsr-3403	166	40	,	,	PUNCT
fsr-3403	166	41	and	and	CCONJ
fsr-3403	166	42	the	the	DET
fsr-3403	166	43	unemployment	unemployment	NOUN
fsr-3403	166	44	rate	rate	NOUN
fsr-3403	166	45	is	be	AUX
fsr-3403	166	46	getting	get	VERB
fsr-3403	166	47	down	down	ADP
fsr-3403	166	48	from	from	ADP
fsr-3403	166	49	the	the	DET
fsr-3403	166	50	peak	peak	NOUN
fsr-3403	166	51	.	.	PUNCT
fsr-3403	167	1	the	the	DET
fsr-3403	167	2	2016	2016	NUM
fsr-3403	167	3	scf	scf	PROPN
fsr-3403	167	4	data	datum	NOUN
fsr-3403	167	5	consists	consist	VERB
fsr-3403	167	6	of	of	ADP
fsr-3403	167	7	the	the	DET
fsr-3403	167	8	asset	asset	NOUN
fsr-3403	167	9	and	and	CCONJ
fsr-3403	167	10	debt	debt	NOUN
fsr-3403	167	11	holdings	holding	NOUN
fsr-3403	167	12	of	of	ADP
fsr-3403	167	13	6,248	6,248	NUM
fsr-3403	167	14	households	household	NOUN
fsr-3403	167	15	.	.	PUNCT
fsr-3403	168	1	the	the	DET
fsr-3403	168	2	data	datum	NOUN
fsr-3403	168	3	are	be	AUX
fsr-3403	168	4	imputed	impute	VERB
fsr-3403	168	5	to	to	PART
fsr-3403	168	6	account	account	VERB
fsr-3403	168	7	for	for	ADP
fsr-3403	168	8	the	the	DET
fsr-3403	168	9	variability	variability	NOUN
fsr-3403	168	10	in	in	ADP
fsr-3403	168	11	the	the	DET
fsr-3403	168	12	data	datum	NOUN
fsr-3403	168	13	because	because	SCONJ
fsr-3403	168	14	of	of	ADP
fsr-3403	168	15	missing	miss	VERB
fsr-3403	168	16	information	information	NOUN
fsr-3403	168	17	.	.	PUNCT
fsr-3403	169	1	in	in	ADP
fsr-3403	169	2	our	our	PRON
fsr-3403	169	3	empirical	empirical	ADJ
fsr-3403	169	4	estimations	estimation	NOUN
fsr-3403	169	5	,	,	PUNCT
fsr-3403	169	6	rubin	rubin	PROPN
fsr-3403	169	7	’s	’s	PART
fsr-3403	169	8	combination	combination	NOUN
fsr-3403	169	9	rule	rule	NOUN
fsr-3403	169	10	(	(	PUNCT
fsr-3403	169	11	rubin	rubin	PROPN
fsr-3403	169	12	,	,	PUNCT
fsr-3403	169	13	1987	1987	NUM
fsr-3403	169	14	)	)	PUNCT
fsr-3403	169	15	is	be	AUX
fsr-3403	169	16	applied	apply	VERB
fsr-3403	169	17	to	to	ADP
fsr-3403	169	18	the	the	DET
fsr-3403	169	19	estimated	estimate	VERB
fsr-3403	169	20	coefficients	coefficient	NOUN
fsr-3403	169	21	.	.	PUNCT
fsr-3403	170	1	the	the	DET
fsr-3403	170	2	standard	standard	ADJ
fsr-3403	170	3	errors	error	NOUN
fsr-3403	170	4	are	be	AUX
fsr-3403	170	5	also	also	ADV
fsr-3403	170	6	adjusted	adjust	VERB
fsr-3403	170	7	accordingly	accordingly	ADV
fsr-3403	170	8	to	to	PART
fsr-3403	170	9	generate	generate	VERB
fsr-3403	170	10	the	the	DET
fsr-3403	170	11	correct	correct	ADJ
fsr-3403	170	12	inference	inference	NOUN
fsr-3403	170	13	.	.	PUNCT
fsr-3403	171	1	because	because	SCONJ
fsr-3403	171	2	we	we	PRON
fsr-3403	171	3	are	be	AUX
fsr-3403	171	4	trying	try	VERB
fsr-3403	171	5	to	to	PART
fsr-3403	171	6	analyze	analyze	VERB
fsr-3403	171	7	asset	asset	NOUN
fsr-3403	171	8	and	and	CCONJ
fsr-3403	171	9	debt	debt	NOUN
fsr-3403	171	10	choices	choice	NOUN
fsr-3403	171	11	,	,	PUNCT
fsr-3403	171	12	we	we	PRON
fsr-3403	171	13	exclude	exclude	VERB
fsr-3403	171	14	the	the	DET
fsr-3403	171	15	households	household	NOUN
fsr-3403	171	16	that	that	PRON
fsr-3403	171	17	do	do	AUX
fsr-3403	171	18	not	not	PART
fsr-3403	171	19	have	have	VERB
fsr-3403	171	20	any	any	DET
fsr-3403	171	21	financial	financial	ADJ
fsr-3403	171	22	assets	asset	NOUN
fsr-3403	171	23	or	or	CCONJ
fsr-3403	171	24	debt	debt	NOUN
fsr-3403	171	25	.	.	PUNCT
fsr-3403	172	1	it	it	PRON
fsr-3403	172	2	is	be	AUX
fsr-3403	172	3	also	also	ADV
fsr-3403	172	4	because	because	SCONJ
fsr-3403	172	5	these	these	DET
fsr-3403	172	6	two	two	NUM
fsr-3403	172	7	variables	variable	NOUN
fsr-3403	172	8	appear	appear	VERB
fsr-3403	172	9	in	in	ADP
fsr-3403	172	10	the	the	DET
fsr-3403	172	11	denominator	denominator	NOUN
fsr-3403	172	12	of	of	ADP
fsr-3403	172	13	two	two	NUM
fsr-3403	172	14	key	key	ADJ
fsr-3403	172	15	variables	variable	NOUN
fsr-3403	172	16	.	.	PUNCT
fsr-3403	173	1	we	we	PRON
fsr-3403	173	2	screen	screen	VERB
fsr-3403	173	3	out	out	ADP
fsr-3403	173	4	the	the	DET
fsr-3403	173	5	observations	observation	NOUN
fsr-3403	173	6	with	with	ADP
fsr-3403	173	7	an	an	DET
fsr-3403	173	8	extremely	extremely	ADV
fsr-3403	173	9	high	high	ADJ
fsr-3403	173	10	value	value	NOUN
fsr-3403	173	11	of	of	ADP
fsr-3403	173	12	net	net	ADJ
fsr-3403	173	13	worth	worth	NOUN
fsr-3403	173	14	to	to	PART
fsr-3403	173	15	control	control	VERB
fsr-3403	173	16	the	the	DET
fsr-3403	173	17	impact	impact	NOUN
fsr-3403	173	18	of	of	ADP
fsr-3403	173	19	outliers	outlier	NOUN
fsr-3403	173	20	.	.	PUNCT
fsr-3403	174	1	because	because	SCONJ
fsr-3403	174	2	of	of	ADP
fsr-3403	174	3	the	the	DET
fsr-3403	174	4	survey	survey	NOUN
fsr-3403	174	5	design	design	NOUN
fsr-3403	174	6	,	,	PUNCT
fsr-3403	174	7	the	the	DET
fsr-3403	174	8	list	list	NOUN
fsr-3403	174	9	of	of	ADP
fsr-3403	174	10	sample	sample	NOUN
fsr-3403	174	11	from	from	ADP
fsr-3403	174	12	irs	irs	PROPN
fsr-3403	174	13	tax	tax	NOUN
fsr-3403	174	14	records	record	NOUN
fsr-3403	174	15	is	be	AUX
fsr-3403	174	16	likely	likely	ADJ
fsr-3403	174	17	to	to	PART
fsr-3403	174	18	be	be	AUX
fsr-3403	174	19	relatively	relatively	ADV
fsr-3403	174	20	wealthy.4	wealthy.4	ADJ
fsr-3403	174	21	therefore	therefore	ADV
fsr-3403	174	22	,	,	PUNCT
fsr-3403	174	23	we	we	PRON
fsr-3403	174	24	drop	drop	VERB
fsr-3403	174	25	out	out	ADP
fsr-3403	174	26	the	the	DET
fsr-3403	174	27	families	family	NOUN
fsr-3403	174	28	in	in	ADP
fsr-3403	174	29	the	the	DET
fsr-3403	174	30	top	top	ADJ
fsr-3403	174	31	5	5	NUM
fsr-3403	174	32	percentile	percentile	NOUN
fsr-3403	174	33	of	of	ADP
fsr-3403	174	34	assets	asset	NOUN
fsr-3403	174	35	,	,	PUNCT
fsr-3403	174	36	in	in	ADP
fsr-3403	174	37	the	the	DET
fsr-3403	174	38	top	top	ADJ
fsr-3403	174	39	5	5	NUM
fsr-3403	174	40	percentile	percentile	NOUN
fsr-3403	174	41	of	of	ADP
fsr-3403	174	42	net	net	ADJ
fsr-3403	174	43	worth	worth	NOUN
fsr-3403	174	44	,	,	PUNCT
fsr-3403	174	45	or	or	CCONJ
fsr-3403	174	46	in	in	ADP
fsr-3403	174	47	the	the	DET
fsr-3403	174	48	top	top	ADJ
fsr-3403	174	49	5	5	NUM
fsr-3403	174	50	percentile	percentile	NOUN
fsr-3403	174	51	of	of	ADP
fsr-3403	174	52	annual	annual	ADJ
fsr-3403	174	53	income	income	NOUN
fsr-3403	174	54	.	.	PUNCT
fsr-3403	175	1	we	we	PRON
fsr-3403	175	2	exclude	exclude	VERB
fsr-3403	175	3	households	household	NOUN
fsr-3403	175	4	that	that	PRON
fsr-3403	175	5	reported	report	VERB
fsr-3403	175	6	labor	labor	NOUN
fsr-3403	175	7	income	income	NOUN
fsr-3403	175	8	in	in	ADP
fsr-3403	175	9	the	the	DET
fsr-3403	175	10	bottom	bottom	ADJ
fsr-3403	175	11	5	5	NUM
fsr-3403	175	12	percentile	percentile	ADJ
fsr-3403	175	13	as	as	SCONJ
fsr-3403	175	14	the	the	DET
fsr-3403	175	15	low	low	ADJ
fsr-3403	175	16	-	-	PUNCT
fsr-3403	175	17	income	income	NOUN
fsr-3403	175	18	families	family	NOUN
fsr-3403	175	19	may	may	AUX
fsr-3403	175	20	behave	behave	VERB
fsr-3403	175	21	quite	quite	ADV
fsr-3403	175	22	differently	differently	ADV
fsr-3403	175	23	in	in	ADP
fsr-3403	175	24	investing	invest	VERB
fsr-3403	175	25	or	or	CCONJ
fsr-3403	175	26	acquiring	acquire	VERB
fsr-3403	175	27	debt	debt	NOUN
fsr-3403	175	28	.	.	PUNCT
fsr-3403	176	1	the	the	DET
fsr-3403	176	2	final	final	ADJ
fsr-3403	176	3	sample	sample	NOUN
fsr-3403	176	4	contains	contain	VERB
fsr-3403	176	5	4,049	4,049	NUM
fsr-3403	176	6	out	out	ADP
fsr-3403	176	7	of	of	ADP
fsr-3403	176	8	the	the	DET
fsr-3403	176	9	original	original	ADJ
fsr-3403	176	10	6,248	6,248	NUM
fsr-3403	176	11	observations	observation	NOUN
fsr-3403	176	12	.	.	PUNCT
fsr-3403	177	1	we	we	PRON
fsr-3403	177	2	include	include	VERB
fsr-3403	177	3	demographic	demographic	ADJ
fsr-3403	177	4	variables	variable	NOUN
fsr-3403	177	5	that	that	PRON
fsr-3403	177	6	are	be	AUX
fsr-3403	177	7	commonly	commonly	ADV
fsr-3403	177	8	used	use	VERB
fsr-3403	177	9	in	in	ADP
fsr-3403	177	10	the	the	DET
fsr-3403	177	11	literature	literature	NOUN
fsr-3403	177	12	as	as	ADP
fsr-3403	177	13	controls	control	NOUN
fsr-3403	177	14	.	.	PUNCT
fsr-3403	178	1	they	they	PRON
fsr-3403	178	2	include	include	VERB
fsr-3403	178	3	the	the	DET
fsr-3403	178	4	gender	gender	NOUN
fsr-3403	178	5	,	,	PUNCT
fsr-3403	178	6	age	age	NOUN
fsr-3403	178	7	,	,	PUNCT
fsr-3403	178	8	race	race	NOUN
fsr-3403	178	9	,	,	PUNCT
fsr-3403	178	10	and	and	CCONJ
fsr-3403	178	11	education	education	NOUN
fsr-3403	178	12	of	of	ADP
fsr-3403	178	13	the	the	DET
fsr-3403	178	14	household	household	NOUN
fsr-3403	178	15	head	head	NOUN
fsr-3403	178	16	,	,	PUNCT
fsr-3403	178	17	and	and	CCONJ
fsr-3403	178	18	number	number	NOUN
fsr-3403	178	19	of	of	ADP
fsr-3403	178	20	children	child	NOUN
fsr-3403	178	21	in	in	ADP
fsr-3403	178	22	the	the	DET
fsr-3403	178	23	family	family	NOUN
fsr-3403	178	24	.	.	PUNCT
fsr-3403	179	1	previous	previous	ADJ
fsr-3403	179	2	studies	study	NOUN
fsr-3403	179	3	suggest	suggest	VERB
fsr-3403	179	4	that	that	SCONJ
fsr-3403	179	5	demographic	demographic	ADJ
fsr-3403	179	6	characteristics	characteristic	NOUN
fsr-3403	179	7	contribute	contribute	VERB
fsr-3403	179	8	to	to	ADP
fsr-3403	179	9	the	the	DET
fsr-3403	179	10	portfolio	portfolio	NOUN
fsr-3403	179	11	decision	decision	NOUN
fsr-3403	179	12	.	.	PUNCT
fsr-3403	180	1	moreover	moreover	ADV
fsr-3403	180	2	,	,	PUNCT
fsr-3403	180	3	the	the	DET
fsr-3403	180	4	age	age	NOUN
fsr-3403	180	5	pattern	pattern	NOUN
fsr-3403	180	6	of	of	ADP
fsr-3403	180	7	risky	risky	ADJ
fsr-3403	180	8	portfolio	portfolio	NOUN
fsr-3403	180	9	shares	share	NOUN
fsr-3403	180	10	is	be	AUX
fsr-3403	180	11	crucial	crucial	ADJ
fsr-3403	180	12	to	to	ADP
fsr-3403	180	13	understanding	understand	VERB
fsr-3403	180	14	portfolio	portfolio	NOUN
fsr-3403	180	15	behavior	behavior	NOUN
fsr-3403	180	16	over	over	ADP
fsr-3403	180	17	the	the	DET
fsr-3403	180	18	life	life	NOUN
fsr-3403	180	19	cycle	cycle	NOUN
fsr-3403	180	20	.	.	PUNCT
fsr-3403	181	1	therefore	therefore	ADV
fsr-3403	181	2	,	,	PUNCT
fsr-3403	181	3	we	we	PRON
fsr-3403	181	4	use	use	VERB
fsr-3403	181	5	dummy	dummy	ADJ
fsr-3403	181	6	variables	variable	NOUN
fsr-3403	181	7	to	to	PART
fsr-3403	181	8	represent	represent	VERB
fsr-3403	181	9	each	each	DET
fsr-3403	181	10	age	age	NOUN
fsr-3403	181	11	category	category	NOUN
fsr-3403	181	12	instead	instead	ADV
fsr-3403	181	13	of	of	ADP
fsr-3403	181	14	the	the	DET
fsr-3403	181	15	continuous	continuous	ADJ
fsr-3403	181	16	age	age	NOUN
fsr-3403	181	17	variable	variable	NOUN
fsr-3403	181	18	.	.	PUNCT
fsr-3403	182	1	addoum	addoum	PROPN
fsr-3403	182	2	(	(	PUNCT
fsr-3403	182	3	2017	2017	NUM
fsr-3403	182	4	)	)	PUNCT
fsr-3403	182	5	shows	show	VERB
fsr-3403	182	6	that	that	SCONJ
fsr-3403	182	7	couples	couple	NOUN
fsr-3403	182	8	significantly	significantly	ADV
fsr-3403	182	9	decrease	decrease	VERB
fsr-3403	182	10	their	their	PRON
fsr-3403	182	11	stock	stock	NOUN
fsr-3403	182	12	allocations	allocation	NOUN
fsr-3403	182	13	after	after	ADP
fsr-3403	182	14	retirement	retirement	NOUN
fsr-3403	182	15	,	,	PUNCT
fsr-3403	182	16	whereas	whereas	SCONJ
fsr-3403	182	17	singles	single	NOUN
fsr-3403	182	18	’	'	PUNCT
fsr-3403	182	19	allocations	allocation	NOUN
fsr-3403	182	20	remain	remain	VERB
fsr-3403	182	21	relatively	relatively	ADV
fsr-3403	182	22	unchanged	unchanged	ADJ
fsr-3403	182	23	.	.	PUNCT
fsr-3403	183	1	in	in	ADP
fsr-3403	183	2	addition	addition	NOUN
fsr-3403	183	3	,	,	PUNCT
fsr-3403	183	4	family	family	NOUN
fsr-3403	183	5	size	size	NOUN
fsr-3403	183	6	(	(	PUNCT
fsr-3403	183	7	browning	browning	NOUN
fsr-3403	183	8	,	,	PUNCT
fsr-3403	183	9	1992	1992	NUM
fsr-3403	183	10	)	)	PUNCT
fsr-3403	183	11	,	,	PUNCT
fsr-3403	183	12	gender	gender	NOUN
fsr-3403	183	13	(	(	PUNCT
fsr-3403	183	14	bogan	bogan	NOUN
fsr-3403	183	15	2013	2013	NUM
fsr-3403	183	16	)	)	PUNCT
fsr-3403	183	17	,	,	PUNCT
fsr-3403	183	18	bequest	bequest	NOUN
fsr-3403	183	19	motives	motive	NOUN
fsr-3403	183	20	(	(	PUNCT
fsr-3403	183	21	bertaut	bertaut	NOUN
fsr-3403	183	22	and	and	CCONJ
fsr-3403	183	23	haliassos	haliassos	NOUN
fsr-3403	183	24	,	,	PUNCT
fsr-3403	183	25	1997	1997	NUM
fsr-3403	183	26	)	)	PUNCT
fsr-3403	183	27	,	,	PUNCT
fsr-3403	183	28	ethnicity	ethnicity	NOUN
fsr-3403	183	29	(	(	PUNCT
fsr-3403	183	30	choudhury	choudhury	PROPN
fsr-3403	183	31	,	,	PUNCT
fsr-3403	183	32	2001	2001	NUM
fsr-3403	183	33	)	)	PUNCT
fsr-3403	183	34	,	,	PUNCT
fsr-3403	183	35	and	and	CCONJ
fsr-3403	183	36	education	education	NOUN
fsr-3403	183	37	(	(	PUNCT
fsr-3403	183	38	dimmock	dimmock	NOUN
fsr-3403	183	39	et	et	PROPN
fsr-3403	183	40	al	al	PROPN
fsr-3403	183	41	.	.	PROPN
fsr-3403	183	42	,	,	PUNCT
fsr-3403	183	43	2016	2016	NUM
fsr-3403	183	44	)	)	PUNCT
fsr-3403	183	45	are	be	AUX
fsr-3403	183	46	all	all	PRON
fsr-3403	183	47	proven	prove	VERB
fsr-3403	183	48	to	to	PART
fsr-3403	183	49	affect	affect	VERB
fsr-3403	183	50	household	household	NOUN
fsr-3403	183	51	financial	financial	ADJ
fsr-3403	183	52	asset	asset	NOUN
fsr-3403	183	53	allocations	allocation	NOUN
fsr-3403	183	54	.	.	PUNCT
fsr-3403	184	1	we	we	PRON
fsr-3403	184	2	include	include	VERB
fsr-3403	184	3	the	the	DET
fsr-3403	184	4	household	household	NOUN
fsr-3403	184	5	’s	’s	PART
fsr-3403	184	6	income	income	NOUN
fsr-3403	184	7	in	in	ADP
fsr-3403	184	8	the	the	DET
fsr-3403	184	9	past	past	ADJ
fsr-3403	184	10	year	year	NOUN
fsr-3403	184	11	and	and	CCONJ
fsr-3403	184	12	net	net	ADJ
fsr-3403	184	13	worth	worth	NOUN
fsr-3403	184	14	as	as	ADP
fsr-3403	184	15	independent	independent	ADJ
fsr-3403	184	16	variables	variable	NOUN
fsr-3403	184	17	.	.	PUNCT
fsr-3403	185	1	households	household	NOUN
fsr-3403	185	2	with	with	ADP
fsr-3403	185	3	more	more	ADJ
fsr-3403	185	4	income	income	NOUN
fsr-3403	185	5	may	may	AUX
fsr-3403	185	6	be	be	AUX
fsr-3403	185	7	less	less	ADV
fsr-3403	185	8	vulnerable	vulnerable	ADJ
fsr-3403	185	9	to	to	ADP
fsr-3403	185	10	the	the	DET
fsr-3403	185	11	risk	risk	NOUN
fsr-3403	185	12	of	of	ADP
fsr-3403	185	13	their	their	PRON
fsr-3403	185	14	financial	financial	ADJ
fsr-3403	185	15	portfolios	portfolio	NOUN
fsr-3403	185	16	.	.	PUNCT
fsr-3403	186	1	perraudin	perraudin	NOUN
fsr-3403	186	2	and	and	CCONJ
fsr-3403	186	3	sørensen	sørensen	PROPN
fsr-3403	186	4	(	(	PUNCT
fsr-3403	186	5	2000	2000	NUM
fsr-3403	186	6	)	)	PUNCT
fsr-3403	186	7	’s	’s	PART
fsr-3403	186	8	results	result	NOUN
fsr-3403	186	9	suggest	suggest	VERB
fsr-3403	186	10	that	that	SCONJ
fsr-3403	186	11	a	a	DET
fsr-3403	186	12	10	10	NUM
fsr-3403	186	13	%	%	NOUN
fsr-3403	186	14	proportional	proportional	ADJ
fsr-3403	186	15	rise	rise	NOUN
fsr-3403	186	16	in	in	ADP
fsr-3403	186	17	wealth	wealth	NOUN
fsr-3403	186	18	leads	lead	VERB
fsr-3403	186	19	to	to	ADP
fsr-3403	186	20	a	a	DET
fsr-3403	186	21	24	24	NUM
fsr-3403	186	22	%	%	NOUN
fsr-3403	186	23	and	and	CCONJ
fsr-3403	186	24	a	a	DET
fsr-3403	186	25	25	25	NUM
fsr-3403	186	26	%	%	NOUN
fsr-3403	186	27	increase	increase	NOUN
fsr-3403	186	28	in	in	ADP
fsr-3403	186	29	stock	stock	NOUN
fsr-3403	186	30	and	and	CCONJ
fsr-3403	186	31	bond	bond	NOUN
fsr-3403	186	32	demand	demand	NOUN
fsr-3403	186	33	respectively	respectively	ADV
fsr-3403	186	34	.	.	PUNCT
fsr-3403	187	1	we	we	PRON
fsr-3403	187	2	take	take	VERB
fsr-3403	187	3	the	the	DET
fsr-3403	187	4	natural	natural	ADJ
fsr-3403	187	5	log	log	NOUN
fsr-3403	187	6	of	of	ADP
fsr-3403	187	7	total	total	ADJ
fsr-3403	187	8	income	income	NOUN
fsr-3403	187	9	to	to	PART
fsr-3403	187	10	minimize	minimize	VERB
fsr-3403	187	11	the	the	DET
fsr-3403	187	12	effect	effect	NOUN
fsr-3403	187	13	of	of	ADP
fsr-3403	187	14	outliers	outlier	NOUN
fsr-3403	187	15	.	.	PUNCT
fsr-3403	188	1	many	many	ADJ
fsr-3403	188	2	previous	previous	ADJ
fsr-3403	188	3	studies	study	NOUN
fsr-3403	188	4	analyze	analyze	VERB
fsr-3403	188	5	how	how	SCONJ
fsr-3403	188	6	risk	risk	NOUN
fsr-3403	188	7	attitude	attitude	NOUN
fsr-3403	188	8	affects	affect	VERB
fsr-3403	188	9	household	household	NOUN
fsr-3403	188	10	financial	financial	ADJ
fsr-3403	188	11	portfolio	portfolio	NOUN
fsr-3403	188	12	.	.	PUNCT
fsr-3403	189	1	riley	riley	PROPN
fsr-3403	189	2	and	and	CCONJ
fsr-3403	189	3	chow	chow	PROPN
fsr-3403	189	4	(	(	PUNCT
fsr-3403	189	5	1992	1992	NUM
fsr-3403	189	6	)	)	PUNCT
fsr-3403	189	7	explore	explore	VERB
fsr-3403	189	8	the	the	DET
fsr-3403	189	9	relationships	relationship	NOUN
fsr-3403	189	10	between	between	ADP
fsr-3403	189	11	asset	asset	NOUN
fsr-3403	189	12	allocation	allocation	NOUN
fsr-3403	189	13	and	and	CCONJ
fsr-3403	189	14	individual	individual	ADJ
fsr-3403	189	15	risk	risk	NOUN
fsr-3403	189	16	aversion	aversion	NOUN
fsr-3403	189	17	.	.	PUNCT
fsr-3403	190	1	they	they	PRON
fsr-3403	190	2	conclude	conclude	VERB
fsr-3403	190	3	that	that	PRON
fsr-3403	190	4	relative	relative	ADJ
fsr-3403	190	5	risk	risk	NOUN
fsr-3403	190	6	aversion	aversion	NOUN
fsr-3403	190	7	decreases	decrease	VERB
fsr-3403	190	8	as	as	SCONJ
fsr-3403	190	9	one	one	NUM
fsr-3403	190	10	rises	rise	NOUN
fsr-3403	190	11	above	above	ADP
fsr-3403	190	12	the	the	DET
fsr-3403	190	13	poverty	poverty	NOUN
fsr-3403	190	14	level	level	NOUN
fsr-3403	190	15	and	and	CCONJ
fsr-3403	190	16	decreases	decrease	VERB
fsr-3403	190	17	significantly	significantly	ADV
fsr-3403	190	18	for	for	ADP
fsr-3403	190	19	the	the	DET
fsr-3403	190	20	wealthy	wealthy	ADJ
fsr-3403	190	21	households	household	NOUN
fsr-3403	190	22	.	.	PUNCT
fsr-3403	191	1	hariharan	hariharan	PROPN
fsr-3403	191	2	et	et	PROPN
fsr-3403	191	3	al	al	PROPN
fsr-3403	191	4	.	.	PROPN
fsr-3403	192	1	(	(	PUNCT
fsr-3403	192	2	2000	2000	NUM
fsr-3403	192	3	)	)	PUNCT
fsr-3403	192	4	confirm	confirm	VERB
fsr-3403	192	5	the	the	DET
fsr-3403	192	6	capm	capm	PROPN
fsr-3403	192	7	prediction	prediction	NOUN
fsr-3403	192	8	that	that	SCONJ
fsr-3403	192	9	risk	risk	NOUN
fsr-3403	192	10	-	-	PUNCT
fsr-3403	192	11	tolerant	tolerant	ADJ
fsr-3403	192	12	investors	investor	NOUN
fsr-3403	192	13	hold	hold	VERB
fsr-3403	192	14	a	a	DET
fsr-3403	192	15	smaller	small	ADJ
fsr-3403	192	16	fraction	fraction	NOUN
fsr-3403	192	17	of	of	ADP
fsr-3403	192	18	their	their	PRON
fsr-3403	192	19	investments	investment	NOUN
fsr-3403	192	20	in	in	ADP
fsr-3403	192	21	the	the	DET
fsr-3403	192	22	risk	risk	NOUN
fsr-3403	192	23	-	-	PUNCT
fsr-3403	192	24	free	free	ADJ
fsr-3403	192	25	asset	asset	NOUN
fsr-3403	192	26	.	.	PUNCT
fsr-3403	193	1	we	we	PRON
fsr-3403	193	2	control	control	VERB
fsr-3403	193	3	for	for	ADP
fsr-3403	193	4	risk	risk	NOUN
fsr-3403	193	5	attitude	attitude	NOUN
fsr-3403	193	6	by	by	ADP
fsr-3403	193	7	including	include	VERB
fsr-3403	193	8	an	an	DET
fsr-3403	193	9	ordered	order	VERB
fsr-3403	193	10	categorical	categorical	ADJ
fsr-3403	193	11	variable	variable	NOUN
fsr-3403	193	12	(	(	PUNCT
fsr-3403	193	13	“	"	PUNCT
fsr-3403	193	14	risk	risk	NOUN
fsr-3403	193	15	averse	averse	ADJ
fsr-3403	193	16	”	"	PUNCT
fsr-3403	193	17	)	)	PUNCT
fsr-3403	193	18	with	with	ADP
fsr-3403	193	19	values	value	NOUN
fsr-3403	193	20	ranging	range	VERB
fsr-3403	193	21	from	from	ADP
fsr-3403	193	22	one	one	NUM
fsr-3403	193	23	to	to	ADP
fsr-3403	193	24	four	four	NUM
fsr-3403	193	25	.	.	PUNCT
fsr-3403	194	1	the	the	DET
fsr-3403	194	2	household	household	NOUN
fsr-3403	194	3	chooses	choose	VERB
fsr-3403	194	4	one	one	NUM
fsr-3403	194	5	if	if	SCONJ
fsr-3403	194	6	it	it	PRON
fsr-3403	194	7	is	be	AUX
fsr-3403	194	8	willing	willing	ADJ
fsr-3403	194	9	to	to	PART
fsr-3403	194	10	take	take	VERB
fsr-3403	194	11	substantial	substantial	ADJ
fsr-3403	194	12	financial	financial	ADJ
fsr-3403	194	13	risks	risk	NOUN
fsr-3403	194	14	expecting	expect	VERB
fsr-3403	194	15	to	to	PART
fsr-3403	194	16	earn	earn	VERB
fsr-3403	194	17	substantial	substantial	ADJ
fsr-3403	194	18	returns	return	NOUN
fsr-3403	194	19	.	.	PUNCT
fsr-3403	195	1	the	the	DET
fsr-3403	195	2	value	value	NOUN
fsr-3403	195	3	2	2	NUM
fsr-3403	195	4	means	mean	VERB
fsr-3403	195	5	that	that	SCONJ
fsr-3403	195	6	the	the	DET
fsr-3403	195	7	household	household	NOUN
fsr-3403	195	8	is	be	AUX
fsr-3403	195	9	willing	willing	ADJ
fsr-3403	195	10	to	to	PART
fsr-3403	195	11	take	take	VERB
fsr-3403	195	12	above	above	ADV
fsr-3403	195	13	average	average	ADJ
fsr-3403	195	14	financial	financial	ADJ
fsr-3403	195	15	risks	risk	NOUN
fsr-3403	195	16	expecting	expect	VERB
fsr-3403	195	17	to	to	PART
fsr-3403	195	18	earn	earn	VERB
fsr-3403	195	19	above	above	ADP
fsr-3403	195	20	average	average	ADJ
fsr-3403	195	21	returns	return	NOUN
fsr-3403	195	22	.	.	PUNCT
fsr-3403	196	1	value	value	NOUN
fsr-3403	196	2	3	3	NUM
fsr-3403	196	3	means	mean	VERB
fsr-3403	196	4	the	the	DET
fsr-3403	196	5	household	household	NOUN
fsr-3403	196	6	is	be	AUX
fsr-3403	196	7	willing	willing	ADJ
fsr-3403	196	8	to	to	PART
fsr-3403	196	9	take	take	VERB
fsr-3403	196	10	average	average	ADJ
fsr-3403	196	11	financial	financial	ADJ
fsr-3403	196	12	risks	risk	NOUN
fsr-3403	196	13	333r	333r	PROPN
fsr-3403	196	14	.	.	PUNCT
fsr-3403	197	1	tao	tao	PROPN
fsr-3403	197	2	,	,	PUNCT
fsr-3403	197	3	y.	y.	PROPN
fsr-3403	197	4	yuan	yuan	PROPN
fsr-3403	197	5	/	/	SYM
fsr-3403	197	6	financial	financial	ADJ
fsr-3403	197	7	services	service	NOUN
fsr-3403	197	8	review	review	VERB
fsr-3403	197	9	27	27	NUM
fsr-3403	197	10	(	(	PUNCT
fsr-3403	197	11	2018	2018	NUM
fsr-3403	197	12	)	)	PUNCT
fsr-3403	197	13	325	325	NUM
fsr-3403	197	14	-	-	SYM
fsr-3403	197	15	344	344	NUM
fsr-3403	197	16	expecting	expect	VERB
fsr-3403	197	17	to	to	PART
fsr-3403	197	18	earn	earn	VERB
fsr-3403	197	19	average	average	ADJ
fsr-3403	197	20	returns	return	NOUN
fsr-3403	197	21	.	.	PUNCT
fsr-3403	198	1	value	value	NOUN
fsr-3403	198	2	4	4	NUM
fsr-3403	198	3	means	mean	VERB
fsr-3403	198	4	the	the	DET
fsr-3403	198	5	household	household	NOUN
fsr-3403	198	6	is	be	AUX
fsr-3403	198	7	not	not	PART
fsr-3403	198	8	willing	willing	ADJ
fsr-3403	198	9	to	to	PART
fsr-3403	198	10	take	take	VERB
fsr-3403	198	11	any	any	DET
fsr-3403	198	12	financial	financial	ADJ
fsr-3403	198	13	risks	risk	NOUN
fsr-3403	198	14	.	.	PUNCT
fsr-3403	199	1	therefore	therefore	ADV
fsr-3403	199	2	,	,	PUNCT
fsr-3403	199	3	the	the	PRON
fsr-3403	199	4	higher	high	ADJ
fsr-3403	199	5	the	the	DET
fsr-3403	199	6	value	value	NOUN
fsr-3403	199	7	for	for	ADP
fsr-3403	199	8	this	this	DET
fsr-3403	199	9	variable	variable	NOUN
fsr-3403	199	10	,	,	PUNCT
fsr-3403	199	11	the	the	DET
fsr-3403	199	12	more	more	ADV
fsr-3403	199	13	risk	risk	NOUN
fsr-3403	199	14	-	-	PUNCT
fsr-3403	199	15	averse	averse	NOUN
fsr-3403	199	16	the	the	DET
fsr-3403	199	17	household	household	NOUN
fsr-3403	199	18	is	be	AUX
fsr-3403	199	19	.	.	PUNCT
fsr-3403	200	1	we	we	PRON
fsr-3403	200	2	control	control	VERB
fsr-3403	200	3	for	for	ADP
fsr-3403	200	4	background	background	NOUN
fsr-3403	200	5	risks	risk	NOUN
fsr-3403	200	6	by	by	ADP
fsr-3403	200	7	including	include	VERB
fsr-3403	200	8	measures	measure	NOUN
fsr-3403	200	9	of	of	ADP
fsr-3403	200	10	health	health	NOUN
fsr-3403	200	11	risk	risk	NOUN
fsr-3403	200	12	and	and	CCONJ
fsr-3403	200	13	labor	labor	NOUN
fsr-3403	200	14	income	income	NOUN
fsr-3403	200	15	risk.5	risk.5	NOUN
fsr-3403	200	16	rosen	rosen	PROPN
fsr-3403	200	17	and	and	CCONJ
fsr-3403	200	18	wu	wu	PROPN
fsr-3403	200	19	(	(	PUNCT
fsr-3403	200	20	2004	2004	NUM
fsr-3403	200	21	)	)	PUNCT
fsr-3403	200	22	show	show	VERB
fsr-3403	200	23	that	that	SCONJ
fsr-3403	200	24	health	health	NOUN
fsr-3403	200	25	is	be	AUX
fsr-3403	200	26	a	a	DET
fsr-3403	200	27	significant	significant	ADJ
fsr-3403	200	28	predictor	predictor	NOUN
fsr-3403	200	29	of	of	ADP
fsr-3403	200	30	both	both	CCONJ
fsr-3403	200	31	the	the	DET
fsr-3403	200	32	probability	probability	NOUN
fsr-3403	200	33	of	of	ADP
fsr-3403	200	34	owning	own	VERB
fsr-3403	200	35	different	different	ADJ
fsr-3403	200	36	types	type	NOUN
fsr-3403	200	37	of	of	ADP
fsr-3403	200	38	financial	financial	ADJ
fsr-3403	200	39	assets	asset	NOUN
fsr-3403	200	40	and	and	CCONJ
fsr-3403	200	41	the	the	DET
fsr-3403	200	42	share	share	NOUN
fsr-3403	200	43	of	of	ADP
fsr-3403	200	44	financial	financial	ADJ
fsr-3403	200	45	wealth	wealth	NOUN
fsr-3403	200	46	held	hold	VERB
fsr-3403	200	47	in	in	ADP
fsr-3403	200	48	each	each	DET
fsr-3403	200	49	asset	asset	NOUN
fsr-3403	200	50	category	category	NOUN
fsr-3403	200	51	.	.	PUNCT
fsr-3403	201	1	fan	fan	NOUN
fsr-3403	201	2	and	and	CCONJ
fsr-3403	201	3	zhao	zhao	PROPN
fsr-3403	201	4	(	(	PUNCT
fsr-3403	201	5	2009	2009	NUM
fsr-3403	201	6	)	)	PUNCT
fsr-3403	201	7	provide	provide	VERB
fsr-3403	201	8	the	the	DET
fsr-3403	201	9	evidence	evidence	NOUN
fsr-3403	201	10	that	that	SCONJ
fsr-3403	201	11	health	health	NOUN
fsr-3403	201	12	shocks	shocks	AUX
fsr-3403	201	13	shift	shift	VERB
fsr-3403	201	14	investment	investment	NOUN
fsr-3403	201	15	from	from	ADP
fsr-3403	201	16	risky	risky	ADJ
fsr-3403	201	17	assets	asset	NOUN
fsr-3403	201	18	toward	toward	ADP
fsr-3403	201	19	other	other	ADJ
fsr-3403	201	20	financial	financial	ADJ
fsr-3403	201	21	assets	asset	NOUN
fsr-3403	201	22	.	.	PUNCT
fsr-3403	202	1	therefore	therefore	ADV
fsr-3403	202	2	,	,	PUNCT
fsr-3403	202	3	we	we	PRON
fsr-3403	202	4	expect	expect	VERB
fsr-3403	202	5	that	that	SCONJ
fsr-3403	202	6	poor	poor	ADJ
fsr-3403	202	7	health	health	NOUN
fsr-3403	202	8	has	have	VERB
fsr-3403	202	9	a	a	DET
fsr-3403	202	10	negative	negative	ADJ
fsr-3403	202	11	impact	impact	NOUN
fsr-3403	202	12	on	on	ADP
fsr-3403	202	13	risky	risky	ADJ
fsr-3403	202	14	asset	asset	NOUN
fsr-3403	202	15	holding	holding	NOUN
fsr-3403	202	16	.	.	PUNCT
fsr-3403	203	1	we	we	PRON
fsr-3403	203	2	create	create	VERB
fsr-3403	203	3	a	a	DET
fsr-3403	203	4	binary	binary	ADJ
fsr-3403	203	5	variable	variable	NOUN
fsr-3403	203	6	for	for	ADP
fsr-3403	203	7	the	the	DET
fsr-3403	203	8	household	household	NOUN
fsr-3403	203	9	’s	’s	PART
fsr-3403	203	10	health	health	NOUN
fsr-3403	203	11	status	status	NOUN
fsr-3403	203	12	.	.	PUNCT
fsr-3403	204	1	the	the	DET
fsr-3403	204	2	binary	binary	ADJ
fsr-3403	204	3	variable-“health	variable-“health	PROPN
fsr-3403	204	4	risk	risk	NOUN
fsr-3403	204	5	”	"	PUNCT
fsr-3403	204	6	equals	equal	VERB
fsr-3403	204	7	to	to	ADP
fsr-3403	204	8	one	one	NUM
fsr-3403	204	9	if	if	SCONJ
fsr-3403	204	10	either	either	CCONJ
fsr-3403	204	11	the	the	DET
fsr-3403	204	12	head	head	NOUN
fsr-3403	204	13	or	or	CCONJ
fsr-3403	204	14	his	his	PRON
fsr-3403	204	15	or	or	CCONJ
fsr-3403	204	16	her	her	PRON
fsr-3403	204	17	spouse	spouse	NOUN
fsr-3403	204	18	expressed	express	VERB
fsr-3403	204	19	to	to	PART
fsr-3403	204	20	have	have	VERB
fsr-3403	204	21	fair	fair	ADJ
fsr-3403	204	22	or	or	CCONJ
fsr-3403	204	23	poor	poor	ADJ
fsr-3403	204	24	health	health	NOUN
fsr-3403	204	25	condition	condition	NOUN
fsr-3403	204	26	.	.	PUNCT
fsr-3403	205	1	to	to	PART
fsr-3403	205	2	control	control	VERB
fsr-3403	205	3	for	for	ADP
fsr-3403	205	4	the	the	DET
fsr-3403	205	5	labor	labor	NOUN
fsr-3403	205	6	income	income	NOUN
fsr-3403	205	7	risk	risk	NOUN
fsr-3403	205	8	,	,	PUNCT
fsr-3403	205	9	we	we	PRON
fsr-3403	205	10	consider	consider	VERB
fsr-3403	205	11	whether	whether	SCONJ
fsr-3403	205	12	the	the	DET
fsr-3403	205	13	head	head	NOUN
fsr-3403	205	14	is	be	AUX
fsr-3403	205	15	self	self	NOUN
fsr-3403	205	16	-	-	PUNCT
fsr-3403	205	17	employed	employ	VERB
fsr-3403	205	18	,	,	PUNCT
fsr-3403	205	19	or	or	CCONJ
fsr-3403	205	20	own	own	ADJ
fsr-3403	205	21	/	/	SYM
fsr-3403	205	22	share	share	NOUN
fsr-3403	205	23	ownership	ownership	NOUN
fsr-3403	205	24	in	in	ADP
fsr-3403	205	25	any	any	DET
fsr-3403	205	26	privately	privately	ADV
fsr-3403	205	27	-	-	PUNCT
fsr-3403	205	28	held	hold	VERB
fsr-3403	205	29	businesses	business	NOUN
fsr-3403	205	30	(	(	PUNCT
fsr-3403	205	31	“	"	PUNCT
fsr-3403	205	32	private	private	ADJ
fsr-3403	205	33	business	business	NOUN
fsr-3403	205	34	”	"	PUNCT
fsr-3403	205	35	)	)	PUNCT
fsr-3403	205	36	.	.	PUNCT
fsr-3403	206	1	the	the	DET
fsr-3403	206	2	rich	rich	ADJ
fsr-3403	206	3	who	who	PRON
fsr-3403	206	4	own	own	VERB
fsr-3403	206	5	private	private	ADJ
fsr-3403	206	6	businesses	business	NOUN
fsr-3403	206	7	are	be	AUX
fsr-3403	206	8	bound	bind	VERB
fsr-3403	206	9	to	to	PART
fsr-3403	206	10	consider	consider	VERB
fsr-3403	206	11	business	business	NOUN
fsr-3403	206	12	returns	return	NOUN
fsr-3403	206	13	in	in	ADP
fsr-3403	206	14	selecting	select	VERB
fsr-3403	206	15	their	their	PRON
fsr-3403	206	16	financial	financial	ADJ
fsr-3403	206	17	portfolios	portfolio	NOUN
fsr-3403	206	18	.	.	PUNCT
fsr-3403	207	1	owning	own	VERB
fsr-3403	207	2	or	or	CCONJ
fsr-3403	207	3	investing	invest	VERB
fsr-3403	207	4	in	in	ADP
fsr-3403	207	5	a	a	DET
fsr-3403	207	6	private	private	ADJ
fsr-3403	207	7	business	business	NOUN
fsr-3403	207	8	may	may	AUX
fsr-3403	207	9	suggest	suggest	VERB
fsr-3403	207	10	that	that	SCONJ
fsr-3403	207	11	the	the	DET
fsr-3403	207	12	household	household	NOUN
fsr-3403	207	13	substitutes	substitute	NOUN
fsr-3403	207	14	for	for	ADP
fsr-3403	207	15	investment	investment	NOUN
fsr-3403	207	16	in	in	ADP
fsr-3403	207	17	the	the	DET
fsr-3403	207	18	stock	stock	NOUN
fsr-3403	207	19	market	market	NOUN
fsr-3403	207	20	.	.	PUNCT
fsr-3403	208	1	moreover	moreover	ADV
fsr-3403	208	2	,	,	PUNCT
fsr-3403	208	3	private	private	ADJ
fsr-3403	208	4	business	business	NOUN
fsr-3403	208	5	may	may	AUX
fsr-3403	208	6	constantly	constantly	ADV
fsr-3403	208	7	generate	generate	VERB
fsr-3403	208	8	liquidity	liquidity	NOUN
fsr-3403	208	9	needs	need	NOUN
fsr-3403	208	10	(	(	PUNCT
fsr-3403	208	11	faig	faig	NOUN
fsr-3403	208	12	and	and	CCONJ
fsr-3403	208	13	shum	shum	ADJ
fsr-3403	208	14	,	,	PUNCT
fsr-3403	208	15	2002	2002	NUM
fsr-3403	208	16	)	)	PUNCT
fsr-3403	208	17	and	and	CCONJ
fsr-3403	208	18	being	be	AUX
fsr-3403	208	19	self	self	NOUN
fsr-3403	208	20	-	-	PUNCT
fsr-3403	208	21	employed	employ	VERB
fsr-3403	208	22	may	may	AUX
fsr-3403	208	23	expose	expose	VERB
fsr-3403	208	24	the	the	DET
fsr-3403	208	25	household	household	NOUN
fsr-3403	208	26	to	to	ADP
fsr-3403	208	27	proprietary	proprietary	ADJ
fsr-3403	208	28	business	business	NOUN
fsr-3403	208	29	risks	risk	NOUN
fsr-3403	208	30	(	(	PUNCT
fsr-3403	208	31	heaton	heaton	NOUN
fsr-3403	208	32	and	and	CCONJ
fsr-3403	208	33	lucas	lucas	PROPN
fsr-3403	208	34	,	,	PUNCT
fsr-3403	208	35	2000	2000	NUM
fsr-3403	208	36	)	)	PUNCT
fsr-3403	208	37	.	.	PUNCT
fsr-3403	209	1	therefore	therefore	ADV
fsr-3403	209	2	,	,	PUNCT
fsr-3403	209	3	this	this	DET
fsr-3403	209	4	variable	variable	NOUN
fsr-3403	209	5	may	may	AUX
fsr-3403	209	6	also	also	ADV
fsr-3403	209	7	measure	measure	VERB
fsr-3403	209	8	the	the	DET
fsr-3403	209	9	household	household	NOUN
fsr-3403	209	10	’s	’s	PART
fsr-3403	209	11	liquid	liquid	ADJ
fsr-3403	209	12	constraints	constraint	NOUN
fsr-3403	209	13	.	.	PUNCT
fsr-3403	210	1	“	"	PUNCT
fsr-3403	210	2	committed	committed	ADJ
fsr-3403	210	3	expense	expense	NOUN
fsr-3403	210	4	”	"	PUNCT
fsr-3403	210	5	is	be	AUX
fsr-3403	210	6	defined	define	VERB
fsr-3403	210	7	as	as	ADP
fsr-3403	210	8	monthly	monthly	ADJ
fsr-3403	210	9	mortgage	mortgage	NOUN
fsr-3403	210	10	payments	payment	NOUN
fsr-3403	210	11	and	and	CCONJ
fsr-3403	210	12	car	car	NOUN
fsr-3403	210	13	loan	loan	NOUN
fsr-3403	210	14	payments	payment	NOUN
fsr-3403	210	15	divided	divide	VERB
fsr-3403	210	16	by	by	ADP
fsr-3403	210	17	monthly	monthly	ADJ
fsr-3403	210	18	income	income	NOUN
fsr-3403	210	19	.	.	PUNCT
fsr-3403	211	1	it	it	PRON
fsr-3403	211	2	measures	measure	VERB
fsr-3403	211	3	both	both	PRON
fsr-3403	211	4	background	background	NOUN
fsr-3403	211	5	risks	risk	NOUN
fsr-3403	211	6	and	and	CCONJ
fsr-3403	211	7	liquidity	liquidity	NOUN
fsr-3403	211	8	constraints	constraint	NOUN
fsr-3403	211	9	.	.	PUNCT
fsr-3403	212	1	additional	additional	ADJ
fsr-3403	212	2	controls	control	NOUN
fsr-3403	212	3	for	for	ADP
fsr-3403	212	4	households	household	NOUN
fsr-3403	212	5	’	'	PUNCT
fsr-3403	212	6	liquidity	liquidity	NOUN
fsr-3403	212	7	constraints	constraint	NOUN
fsr-3403	212	8	include	include	VERB
fsr-3403	212	9	the	the	DET
fsr-3403	212	10	checking	checking	NOUN
fsr-3403	212	11	and	and	CCONJ
fsr-3403	212	12	saving	save	VERB
fsr-3403	212	13	account	account	NOUN
fsr-3403	212	14	balances	balance	NOUN
fsr-3403	212	15	(	(	PUNCT
fsr-3403	212	16	again	again	ADV
fsr-3403	212	17	,	,	PUNCT
fsr-3403	212	18	we	we	PRON
fsr-3403	212	19	use	use	VERB
fsr-3403	212	20	the	the	DET
fsr-3403	212	21	natural	natural	ADJ
fsr-3403	212	22	log	log	NOUN
fsr-3403	212	23	form	form	NOUN
fsr-3403	212	24	to	to	PART
fsr-3403	212	25	dampen	dampen	VERB
fsr-3403	212	26	the	the	DET
fsr-3403	212	27	effects	effect	NOUN
fsr-3403	212	28	of	of	ADP
fsr-3403	212	29	extreme	extreme	ADJ
fsr-3403	212	30	values	value	NOUN
fsr-3403	212	31	)	)	PUNCT
fsr-3403	212	32	,	,	PUNCT
fsr-3403	212	33	a	a	DET
fsr-3403	212	34	binary	binary	ADJ
fsr-3403	212	35	variable-“high	variable-“high	ADJ
fsr-3403	212	36	expense	expense	NOUN
fsr-3403	212	37	”	"	PUNCT
fsr-3403	212	38	that	that	PRON
fsr-3403	212	39	takes	take	VERB
fsr-3403	212	40	on	on	ADP
fsr-3403	212	41	the	the	DET
fsr-3403	212	42	value	value	NOUN
fsr-3403	212	43	of	of	ADP
fsr-3403	212	44	one	one	NUM
fsr-3403	212	45	if	if	SCONJ
fsr-3403	212	46	the	the	DET
fsr-3403	212	47	household	household	NOUN
fsr-3403	212	48	had	have	VERB
fsr-3403	212	49	unusually	unusually	ADV
fsr-3403	212	50	high	high	ADJ
fsr-3403	212	51	overall	overall	ADJ
fsr-3403	212	52	expenses	expense	NOUN
fsr-3403	212	53	in	in	ADP
fsr-3403	212	54	the	the	DET
fsr-3403	212	55	past	past	ADJ
fsr-3403	212	56	12	12	NUM
fsr-3403	212	57	months	month	NOUN
fsr-3403	212	58	,	,	PUNCT
fsr-3403	212	59	the	the	DET
fsr-3403	212	60	household	household	NOUN
fsr-3403	212	61	’s	’s	PART
fsr-3403	212	62	total	total	ADJ
fsr-3403	212	63	line	line	NOUN
fsr-3403	212	64	of	of	ADP
fsr-3403	212	65	credit	credit	NOUN
fsr-3403	212	66	(	(	PUNCT
fsr-3403	212	67	loc	loc	NOUN
fsr-3403	212	68	)	)	PUNCT
fsr-3403	212	69	,	,	PUNCT
fsr-3403	212	70	and	and	CCONJ
fsr-3403	212	71	total	total	ADJ
fsr-3403	212	72	liquid	liquid	ADJ
fsr-3403	212	73	assets	asset	NOUN
fsr-3403	212	74	that	that	PRON
fsr-3403	212	75	include	include	VERB
fsr-3403	212	76	the	the	DET
fsr-3403	212	77	balance	balance	NOUN
fsr-3403	212	78	of	of	ADP
fsr-3403	212	79	all	all	DET
fsr-3403	212	80	types	type	NOUN
fsr-3403	212	81	of	of	ADP
fsr-3403	212	82	transaction	transaction	NOUN
fsr-3403	212	83	accounts	account	NOUN
fsr-3403	212	84	(	(	PUNCT
fsr-3403	212	85	liq	liq	NOUN
fsr-3403	212	86	)	)	PUNCT
fsr-3403	212	87	.	.	PUNCT
fsr-3403	213	1	in	in	ADP
fsr-3403	213	2	the	the	DET
fsr-3403	213	3	scf	scf	PROPN
fsr-3403	213	4	,	,	PUNCT
fsr-3403	213	5	families	family	NOUN
fsr-3403	213	6	were	be	AUX
fsr-3403	213	7	asked	ask	VERB
fsr-3403	213	8	“	"	PUNCT
fsr-3403	213	9	if	if	SCONJ
fsr-3403	213	10	you	you	PRON
fsr-3403	213	11	experienced	experience	VERB
fsr-3403	213	12	a	a	DET
fsr-3403	213	13	financial	financial	ADJ
fsr-3403	213	14	emergency	emergency	NOUN
fsr-3403	213	15	,	,	PUNCT
fsr-3403	213	16	how	how	SCONJ
fsr-3403	213	17	would	would	AUX
fsr-3403	213	18	you	you	PRON
fsr-3403	213	19	deal	deal	VERB
fsr-3403	213	20	with	with	ADP
fsr-3403	213	21	it	it	PRON
fsr-3403	213	22	?	?	PUNCT
fsr-3403	213	23	”	"	PUNCT
fsr-3403	214	1	the	the	DET
fsr-3403	214	2	respondents	respondent	NOUN
fsr-3403	214	3	choose	choose	VERB
fsr-3403	214	4	from	from	ADP
fsr-3403	214	5	four	four	NUM
fsr-3403	214	6	options	option	NOUN
fsr-3403	214	7	:	:	PUNCT
fsr-3403	214	8	1	1	NUM
fsr-3403	214	9	�	�	NOUN
fsr-3403	214	10	borrow	borrow	VERB
fsr-3403	214	11	from	from	ADP
fsr-3403	214	12	others	other	NOUN
fsr-3403	214	13	;	;	PUNCT
fsr-3403	214	14	2	2	NUM
fsr-3403	214	15	�	�	NOUN
fsr-3403	214	16	spend	spend	VERB
fsr-3403	214	17	from	from	ADP
fsr-3403	214	18	own	own	ADJ
fsr-3403	214	19	savings	saving	NOUN
fsr-3403	214	20	;	;	PUNCT
fsr-3403	214	21	3	3	NUM
fsr-3403	214	22	�	�	NOUN
fsr-3403	214	23	postpone	postpone	VERB
fsr-3403	214	24	payment	payment	NOUN
fsr-3403	214	25	;	;	PUNCT
fsr-3403	214	26	4	4	NUM
fsr-3403	214	27	�	�	NOUN
fsr-3403	214	28	cut	cut	VERB
fsr-3403	214	29	back	back	ADP
fsr-3403	214	30	spending	spending	NOUN
fsr-3403	214	31	.	.	PUNCT
fsr-3403	215	1	we	we	PRON
fsr-3403	215	2	use	use	VERB
fsr-3403	215	3	this	this	DET
fsr-3403	215	4	variable	variable	NOUN
fsr-3403	215	5	(	(	PUNCT
fsr-3403	215	6	labeled	label	VERB
fsr-3403	215	7	“	"	PUNCT
fsr-3403	215	8	liq	liq	NOUN
fsr-3403	215	9	con	con	NOUN
fsr-3403	215	10	”	"	PUNCT
fsr-3403	215	11	)	)	PUNCT
fsr-3403	215	12	as	as	ADP
fsr-3403	215	13	a	a	DET
fsr-3403	215	14	proxy	proxy	NOUN
fsr-3403	215	15	for	for	ADP
fsr-3403	215	16	the	the	DET
fsr-3403	215	17	household	household	NOUN
fsr-3403	215	18	’s	’s	PART
fsr-3403	215	19	liquidity	liquidity	NOUN
fsr-3403	215	20	constraint	constraint	NOUN
fsr-3403	215	21	.	.	PUNCT
fsr-3403	216	1	the	the	PRON
fsr-3403	216	2	higher	high	ADJ
fsr-3403	216	3	the	the	DET
fsr-3403	216	4	value	value	NOUN
fsr-3403	216	5	,	,	PUNCT
fsr-3403	216	6	the	the	DET
fsr-3403	216	7	more	more	ADJ
fsr-3403	216	8	liquidity	liquidity	NOUN
fsr-3403	216	9	constraints	constraint	NOUN
fsr-3403	216	10	the	the	DET
fsr-3403	216	11	household	household	NOUN
fsr-3403	216	12	faces	face	VERB
fsr-3403	216	13	.	.	PUNCT
fsr-3403	217	1	to	to	PART
fsr-3403	217	2	control	control	VERB
fsr-3403	217	3	for	for	ADP
fsr-3403	217	4	the	the	DET
fsr-3403	217	5	credit	credit	NOUN
fsr-3403	217	6	constraints	constraint	NOUN
fsr-3403	217	7	that	that	SCONJ
fsr-3403	217	8	the	the	DET
fsr-3403	217	9	households	household	NOUN
fsr-3403	217	10	face	face	VERB
fsr-3403	217	11	,	,	PUNCT
fsr-3403	217	12	we	we	PRON
fsr-3403	217	13	include	include	VERB
fsr-3403	217	14	two	two	NUM
fsr-3403	217	15	binary	binary	ADJ
fsr-3403	217	16	variables	variable	NOUN
fsr-3403	217	17	.	.	PUNCT
fsr-3403	218	1	the	the	DET
fsr-3403	218	2	dummy	dummy	ADJ
fsr-3403	218	3	variable	variable	NOUN
fsr-3403	218	4	“	"	PUNCT
fsr-3403	218	5	turned	turn	VERB
fsr-3403	218	6	down	down	ADP
fsr-3403	218	7	”	"	PUNCT
fsr-3403	218	8	equals	equal	VERB
fsr-3403	218	9	to	to	ADP
fsr-3403	218	10	one	one	NUM
fsr-3403	218	11	if	if	SCONJ
fsr-3403	218	12	the	the	DET
fsr-3403	218	13	household	household	NOUN
fsr-3403	218	14	applied	apply	VERB
fsr-3403	218	15	for	for	ADP
fsr-3403	218	16	any	any	DET
fsr-3403	218	17	type	type	NOUN
fsr-3403	218	18	of	of	ADP
fsr-3403	218	19	credit	credit	NOUN
fsr-3403	218	20	in	in	ADP
fsr-3403	218	21	the	the	DET
fsr-3403	218	22	past	past	ADJ
fsr-3403	218	23	12	12	NUM
fsr-3403	218	24	months	month	NOUN
fsr-3403	218	25	and	and	CCONJ
fsr-3403	218	26	feared	fear	VERB
fsr-3403	218	27	denial	denial	NOUN
fsr-3403	218	28	or	or	CCONJ
fsr-3403	218	29	was	be	AUX
fsr-3403	218	30	turned	turn	VERB
fsr-3403	218	31	down	down	ADP
fsr-3403	218	32	.	.	PUNCT
fsr-3403	219	1	variable	variable	ADJ
fsr-3403	219	2	“	"	PUNCT
fsr-3403	219	3	late	late	ADJ
fsr-3403	219	4	payment	payment	NOUN
fsr-3403	219	5	”	"	PUNCT
fsr-3403	219	6	equals	equal	VERB
fsr-3403	219	7	to	to	ADP
fsr-3403	219	8	one	one	NUM
fsr-3403	219	9	if	if	SCONJ
fsr-3403	219	10	the	the	DET
fsr-3403	219	11	household	household	NOUN
fsr-3403	219	12	had	have	VERB
fsr-3403	219	13	a	a	DET
fsr-3403	219	14	late	late	ADJ
fsr-3403	219	15	payment	payment	NOUN
fsr-3403	219	16	in	in	ADP
fsr-3403	219	17	the	the	DET
fsr-3403	219	18	past	past	ADJ
fsr-3403	219	19	12	12	NUM
fsr-3403	219	20	months	month	NOUN
fsr-3403	219	21	.	.	PUNCT
fsr-3403	220	1	both	both	PRON
fsr-3403	220	2	of	of	ADP
fsr-3403	220	3	these	these	DET
fsr-3403	220	4	variables	variable	NOUN
fsr-3403	220	5	represent	represent	VERB
fsr-3403	220	6	the	the	DET
fsr-3403	220	7	easiness	easiness	NOUN
fsr-3403	220	8	that	that	SCONJ
fsr-3403	220	9	the	the	DET
fsr-3403	220	10	household	household	NOUN
fsr-3403	220	11	can	can	AUX
fsr-3403	220	12	raise	raise	VERB
fsr-3403	220	13	money	money	NOUN
fsr-3403	220	14	to	to	PART
fsr-3403	220	15	invest	invest	VERB
fsr-3403	220	16	.	.	PUNCT
fsr-3403	221	1	we	we	PRON
fsr-3403	221	2	do	do	AUX
fsr-3403	221	3	not	not	PART
fsr-3403	221	4	control	control	VERB
fsr-3403	221	5	for	for	ADP
fsr-3403	221	6	interest	interest	NOUN
fsr-3403	221	7	rates	rate	NOUN
fsr-3403	221	8	.	.	PUNCT
fsr-3403	222	1	although	although	SCONJ
fsr-3403	222	2	a	a	DET
fsr-3403	222	3	household	household	NOUN
fsr-3403	222	4	’s	’s	PART
fsr-3403	222	5	debt	debt	NOUN
fsr-3403	222	6	and	and	CCONJ
fsr-3403	222	7	asset	asset	NOUN
fsr-3403	222	8	allocation	allocation	NOUN
fsr-3403	222	9	decisions	decision	NOUN
fsr-3403	222	10	are	be	AUX
fsr-3403	222	11	likely	likely	ADJ
fsr-3403	222	12	to	to	PART
fsr-3403	222	13	be	be	AUX
fsr-3403	222	14	affected	affect	VERB
fsr-3403	222	15	by	by	ADP
fsr-3403	222	16	interest	interest	NOUN
fsr-3403	222	17	rates	rate	NOUN
fsr-3403	222	18	and	and	CCONJ
fsr-3403	222	19	expected	expect	VERB
fsr-3403	222	20	rate	rate	NOUN
fsr-3403	222	21	of	of	ADP
fsr-3403	222	22	returns	return	NOUN
fsr-3403	222	23	,	,	PUNCT
fsr-3403	222	24	the	the	DET
fsr-3403	222	25	scf	scf	PROPN
fsr-3403	222	26	data	datum	NOUN
fsr-3403	222	27	does	do	AUX
fsr-3403	222	28	not	not	PART
fsr-3403	222	29	provide	provide	VERB
fsr-3403	222	30	this	this	DET
fsr-3403	222	31	information	information	NOUN
fsr-3403	222	32	.	.	PUNCT
fsr-3403	223	1	furthermore	furthermore	ADV
fsr-3403	223	2	,	,	PUNCT
fsr-3403	223	3	we	we	PRON
fsr-3403	223	4	use	use	VERB
fsr-3403	223	5	cross	cross	ADJ
fsr-3403	223	6	-	-	ADJ
fsr-3403	223	7	sectional	sectional	ADJ
fsr-3403	223	8	data	datum	NOUN
fsr-3403	223	9	,	,	PUNCT
fsr-3403	223	10	so	so	ADV
fsr-3403	223	11	we	we	PRON
fsr-3403	223	12	assume	assume	VERB
fsr-3403	223	13	that	that	SCONJ
fsr-3403	223	14	all	all	PRON
fsr-3403	223	15	of	of	ADP
fsr-3403	223	16	the	the	DET
fsr-3403	223	17	households	household	NOUN
fsr-3403	223	18	are	be	AUX
fsr-3403	223	19	subject	subject	ADJ
fsr-3403	223	20	to	to	ADP
fsr-3403	223	21	the	the	DET
fsr-3403	223	22	same	same	ADJ
fsr-3403	223	23	interest	interest	NOUN
fsr-3403	223	24	rate	rate	NOUN
fsr-3403	223	25	on	on	ADP
fsr-3403	223	26	debt	debt	NOUN
fsr-3403	223	27	(	(	PUNCT
fsr-3403	223	28	mortgage	mortgage	NOUN
fsr-3403	223	29	)	)	PUNCT
fsr-3403	223	30	.	.	PUNCT
fsr-3403	224	1	an	an	DET
fsr-3403	224	2	austrian	austrian	ADJ
fsr-3403	224	3	survey	survey	NOUN
fsr-3403	224	4	finds	find	VERB
fsr-3403	224	5	that	that	SCONJ
fsr-3403	224	6	interest	interest	NOUN
fsr-3403	224	7	rates	rate	NOUN
fsr-3403	224	8	only	only	ADV
fsr-3403	224	9	have	have	VERB
fsr-3403	224	10	small	small	ADJ
fsr-3403	224	11	effects	effect	NOUN
fsr-3403	224	12	on	on	ADP
fsr-3403	224	13	saving	saving	NOUN
fsr-3403	224	14	,	,	PUNCT
fsr-3403	224	15	portfolio	portfolio	NOUN
fsr-3403	224	16	and	and	CCONJ
fsr-3403	224	17	loan	loan	NOUN
fsr-3403	224	18	decisions	decision	NOUN
fsr-3403	224	19	(	(	PUNCT
fsr-3403	224	20	beer	beer	NOUN
fsr-3403	224	21	et	et	NOUN
fsr-3403	224	22	al	al	PROPN
fsr-3403	224	23	.	.	PROPN
fsr-3403	224	24	,	,	PUNCT
fsr-3403	224	25	2016	2016	NUM
fsr-3403	224	26	)	)	PUNCT
fsr-3403	224	27	.	.	PUNCT
fsr-3403	225	1	moreover	moreover	ADV
fsr-3403	225	2	,	,	PUNCT
fsr-3403	225	3	the	the	DET
fsr-3403	225	4	effect	effect	NOUN
fsr-3403	225	5	of	of	ADP
fsr-3403	225	6	loan	loan	NOUN
fsr-3403	225	7	interest	interest	NOUN
fsr-3403	225	8	rate	rate	NOUN
fsr-3403	225	9	differentials	differential	NOUN
fsr-3403	225	10	across	across	ADP
fsr-3403	225	11	households	household	NOUN
fsr-3403	225	12	because	because	SCONJ
fsr-3403	225	13	of	of	ADP
fsr-3403	225	14	households	household	NOUN
fsr-3403	225	15	’	'	PUNCT
fsr-3403	225	16	credit	credit	NOUN
fsr-3403	225	17	worthiness	worthiness	NOUN
fsr-3403	225	18	should	should	AUX
fsr-3403	225	19	be	be	AUX
fsr-3403	225	20	captured	capture	VERB
fsr-3403	225	21	by	by	ADP
fsr-3403	225	22	the	the	DET
fsr-3403	225	23	credit	credit	NOUN
fsr-3403	225	24	constraint	constraint	NOUN
fsr-3403	225	25	measures	measure	NOUN
fsr-3403	225	26	.	.	PUNCT
fsr-3403	226	1	personality	personality	NOUN
fsr-3403	226	2	factors	factor	NOUN
fsr-3403	226	3	such	such	ADJ
fsr-3403	226	4	as	as	ADP
fsr-3403	226	5	impulsiveness	impulsiveness	NOUN
fsr-3403	226	6	,	,	PUNCT
fsr-3403	226	7	self	self	NOUN
fsr-3403	226	8	-	-	PUNCT
fsr-3403	226	9	esteem	esteem	NOUN
fsr-3403	226	10	,	,	PUNCT
fsr-3403	226	11	self	self	NOUN
fsr-3403	226	12	-	-	PUNCT
fsr-3403	226	13	control	control	NOUN
fsr-3403	226	14	,	,	PUNCT
fsr-3403	226	15	sensitivity	sensitivity	NOUN
fsr-3403	226	16	,	,	PUNCT
fsr-3403	226	17	and	and	CCONJ
fsr-3403	226	18	so	so	ADV
fsr-3403	226	19	forth	forth	ADV
fsr-3403	226	20	,	,	PUNCT
fsr-3403	226	21	may	may	AUX
fsr-3403	226	22	play	play	VERB
fsr-3403	226	23	an	an	DET
fsr-3403	226	24	important	important	ADJ
fsr-3403	226	25	role	role	NOUN
fsr-3403	226	26	in	in	ADP
fsr-3403	226	27	consumer	consumer	NOUN
fsr-3403	226	28	financial	financial	ADJ
fsr-3403	226	29	behaviors	behavior	NOUN
fsr-3403	226	30	.	.	PUNCT
fsr-3403	227	1	compulsive	compulsive	ADJ
fsr-3403	227	2	shoppers	shopper	NOUN
fsr-3403	227	3	334	334	NUM
fsr-3403	227	4	r.	r.	PROPN
fsr-3403	227	5	tao	tao	PROPN
fsr-3403	227	6	,	,	PUNCT
fsr-3403	227	7	y.	y.	PROPN
fsr-3403	227	8	yuan	yuan	PROPN
fsr-3403	227	9	/	/	SYM
fsr-3403	227	10	financial	financial	ADJ
fsr-3403	227	11	services	service	NOUN
fsr-3403	227	12	review	review	VERB
fsr-3403	227	13	27	27	NUM
fsr-3403	227	14	(	(	PUNCT
fsr-3403	227	15	2018	2018	NUM
fsr-3403	227	16	)	)	PUNCT
fsr-3403	227	17	325	325	NUM
fsr-3403	227	18	-	-	SYM
fsr-3403	227	19	344	344	NUM
fsr-3403	227	20	often	often	ADV
fsr-3403	227	21	overspent	overspent	ADJ
fsr-3403	227	22	when	when	SCONJ
fsr-3403	227	23	they	they	PRON
fsr-3403	227	24	use	use	VERB
fsr-3403	227	25	credit	credit	NOUN
fsr-3403	227	26	cards	card	NOUN
fsr-3403	227	27	(	(	PUNCT
fsr-3403	227	28	basnet	basnet	NOUN
fsr-3403	227	29	and	and	CCONJ
fsr-3403	227	30	donou	donou	NOUN
fsr-3403	227	31	-	-	PUNCT
fsr-3403	227	32	adonsou	adonsou	NOUN
fsr-3403	227	33	,	,	PUNCT
fsr-3403	227	34	2016	2016	NUM
fsr-3403	227	35	)	)	PUNCT
fsr-3403	227	36	.	.	PUNCT
fsr-3403	228	1	norvilitis	norvilitis	PROPN
fsr-3403	228	2	et	et	PROPN
fsr-3403	228	3	al	al	PROPN
fsr-3403	228	4	.	.	PROPN
fsr-3403	229	1	(	(	PUNCT
fsr-3403	229	2	2006	2006	NUM
fsr-3403	229	3	)	)	PUNCT
fsr-3403	229	4	and	and	CCONJ
fsr-3403	229	5	wang	wang	PROPN
fsr-3403	229	6	et	et	PROPN
fsr-3403	229	7	al	al	PROPN
fsr-3403	229	8	.	.	PROPN
fsr-3403	230	1	(	(	PUNCT
fsr-3403	230	2	2011	2011	NUM
fsr-3403	230	3	)	)	PUNCT
fsr-3403	230	4	find	find	VERB
fsr-3403	230	5	that	that	DET
fsr-3403	230	6	impulsiveness	impulsiveness	NOUN
fsr-3403	230	7	is	be	AUX
fsr-3403	230	8	significantly	significantly	ADV
fsr-3403	230	9	correlated	correlate	VERB
fsr-3403	230	10	with	with	ADP
fsr-3403	230	11	revolving	revolve	VERB
fsr-3403	230	12	credit	credit	NOUN
fsr-3403	230	13	card	card	NOUN
fsr-3403	230	14	debt	debt	NOUN
fsr-3403	230	15	.	.	PUNCT
fsr-3403	231	1	hira	hira	PROPN
fsr-3403	231	2	et	et	PROPN
fsr-3403	231	3	al	al	PROPN
fsr-3403	231	4	.	.	PROPN
fsr-3403	232	1	(	(	PUNCT
fsr-3403	232	2	1993	1993	NUM
fsr-3403	232	3	)	)	PUNCT
fsr-3403	232	4	report	report	NOUN
fsr-3403	232	5	that	that	SCONJ
fsr-3403	232	6	internal	internal	ADJ
fsr-3403	232	7	locus	locus	NOUN
fsr-3403	232	8	of	of	ADP
fsr-3403	232	9	control	control	NOUN
fsr-3403	232	10	is	be	AUX
fsr-3403	232	11	associated	associate	VERB
fsr-3403	232	12	with	with	ADP
fsr-3403	232	13	optimism	optimism	NOUN
fsr-3403	232	14	about	about	ADP
fsr-3403	232	15	one	one	NUM
fsr-3403	232	16	’s	’s	PART
fsr-3403	232	17	financial	financial	ADJ
fsr-3403	232	18	future	future	NOUN
fsr-3403	232	19	,	,	PUNCT
fsr-3403	232	20	but	but	CCONJ
fsr-3403	232	21	norvilitis	norvilitis	PROPN
fsr-3403	232	22	et	et	PROPN
fsr-3403	232	23	al	al	PROPN
fsr-3403	232	24	.	.	PROPN
fsr-3403	233	1	(	(	PUNCT
fsr-3403	233	2	2006	2006	NUM
fsr-3403	233	3	)	)	PUNCT
fsr-3403	233	4	find	find	VERB
fsr-3403	233	5	no	no	DET
fsr-3403	233	6	relationship	relationship	NOUN
fsr-3403	233	7	between	between	ADP
fsr-3403	233	8	locus	locus	NOUN
fsr-3403	233	9	of	of	ADP
fsr-3403	233	10	control	control	NOUN
fsr-3403	233	11	and	and	CCONJ
fsr-3403	233	12	amount	amount	NOUN
fsr-3403	233	13	of	of	ADP
fsr-3403	233	14	debt	debt	NOUN
fsr-3403	233	15	in	in	ADP
fsr-3403	233	16	college	college	NOUN
fsr-3403	233	17	students	student	NOUN
fsr-3403	233	18	.	.	PUNCT
fsr-3403	234	1	because	because	SCONJ
fsr-3403	234	2	of	of	ADP
fsr-3403	234	3	the	the	DET
fsr-3403	234	4	limited	limited	ADJ
fsr-3403	234	5	availability	availability	NOUN
fsr-3403	234	6	of	of	ADP
fsr-3403	234	7	data	datum	NOUN
fsr-3403	234	8	in	in	ADP
fsr-3403	234	9	scf	scf	PROPN
fsr-3403	234	10	and	and	CCONJ
fsr-3403	234	11	the	the	DET
fsr-3403	234	12	consideration	consideration	NOUN
fsr-3403	234	13	that	that	SCONJ
fsr-3403	234	14	this	this	DET
fsr-3403	234	15	study	study	NOUN
fsr-3403	234	16	targets	target	NOUN
fsr-3403	234	17	on	on	ADP
fsr-3403	234	18	the	the	DET
fsr-3403	234	19	household	household	NOUN
fsr-3403	234	20	units	unit	NOUN
fsr-3403	234	21	instead	instead	ADV
fsr-3403	234	22	of	of	ADP
fsr-3403	234	23	the	the	DET
fsr-3403	234	24	individual	individual	ADJ
fsr-3403	234	25	consumers	consumer	NOUN
fsr-3403	234	26	,	,	PUNCT
fsr-3403	234	27	such	such	ADJ
fsr-3403	234	28	personality	personality	NOUN
fsr-3403	234	29	factors	factor	NOUN
fsr-3403	234	30	are	be	AUX
fsr-3403	234	31	not	not	PART
fsr-3403	234	32	included	include	VERB
fsr-3403	234	33	.	.	PUNCT
fsr-3403	235	1	table	table	NOUN
fsr-3403	235	2	1	1	NUM
fsr-3403	235	3	shows	show	VERB
fsr-3403	235	4	the	the	DET
fsr-3403	235	5	summary	summary	NOUN
fsr-3403	235	6	statistics	statistic	NOUN
fsr-3403	235	7	of	of	ADP
fsr-3403	235	8	all	all	DET
fsr-3403	235	9	the	the	DET
fsr-3403	235	10	variables	variable	NOUN
fsr-3403	235	11	.	.	PUNCT
fsr-3403	236	1	risky	risky	ADJ
fsr-3403	236	2	asset	asset	NOUN
fsr-3403	236	3	ratio	ratio	NOUN
fsr-3403	236	4	has	have	VERB
fsr-3403	236	5	a	a	DET
fsr-3403	236	6	mean	mean	NOUN
fsr-3403	236	7	of	of	ADP
fsr-3403	236	8	28.3	28.3	NUM
fsr-3403	236	9	%	%	NOUN
fsr-3403	236	10	and	and	CCONJ
fsr-3403	236	11	a	a	DET
fsr-3403	236	12	median	median	NOUN
fsr-3403	236	13	of	of	ADP
fsr-3403	236	14	20.8	20.8	NUM
fsr-3403	236	15	%	%	NOUN
fsr-3403	236	16	,	,	PUNCT
fsr-3403	236	17	which	which	PRON
fsr-3403	236	18	is	be	AUX
fsr-3403	236	19	consistent	consistent	ADJ
fsr-3403	236	20	with	with	ADP
fsr-3403	236	21	the	the	DET
fsr-3403	236	22	evidence	evidence	NOUN
fsr-3403	236	23	provided	provide	VERB
fsr-3403	236	24	in	in	ADP
fsr-3403	236	25	the	the	DET
fsr-3403	236	26	literature	literature	NOUN
fsr-3403	236	27	that	that	PRON
fsr-3403	236	28	many	many	ADJ
fsr-3403	236	29	households	household	NOUN
fsr-3403	236	30	hold	hold	VERB
fsr-3403	236	31	few	few	ADJ
fsr-3403	236	32	or	or	CCONJ
fsr-3403	236	33	no	no	PRON
fsr-3403	236	34	risky	risky	ADJ
fsr-3403	236	35	assets	asset	NOUN
fsr-3403	236	36	in	in	ADP
fsr-3403	236	37	their	their	PRON
fsr-3403	236	38	portfolio	portfolio	NOUN
fsr-3403	236	39	(	(	PUNCT
fsr-3403	236	40	campbell	campbell	PROPN
fsr-3403	236	41	,	,	PUNCT
fsr-3403	236	42	2006	2006	NUM
fsr-3403	236	43	)	)	PUNCT
fsr-3403	236	44	.	.	PUNCT
fsr-3403	237	1	fig	fig	NOUN
fsr-3403	237	2	.	.	PUNCT
fsr-3403	238	1	1	1	NUM
fsr-3403	238	2	is	be	AUX
fsr-3403	238	3	a	a	DET
fsr-3403	238	4	histogram	histogram	NOUN
fsr-3403	238	5	showing	show	VERB
fsr-3403	238	6	the	the	DET
fsr-3403	238	7	distribution	distribution	NOUN
fsr-3403	238	8	of	of	ADP
fsr-3403	238	9	our	our	PRON
fsr-3403	238	10	dependent	dependent	ADJ
fsr-3403	238	11	variable	variable	NOUN
fsr-3403	238	12	-	-	PUNCT
fsr-3403	238	13	the	the	DET
fsr-3403	238	14	share	share	NOUN
fsr-3403	238	15	of	of	ADP
fsr-3403	238	16	risky	risky	ADJ
fsr-3403	238	17	assets	asset	NOUN
fsr-3403	238	18	in	in	ADP
fsr-3403	238	19	the	the	DET
fsr-3403	238	20	household	household	NOUN
fsr-3403	238	21	’s	’s	PART
fsr-3403	238	22	financial	financial	ADJ
fsr-3403	238	23	assets	asset	NOUN
fsr-3403	238	24	.	.	PUNCT
fsr-3403	239	1	on	on	ADP
fsr-3403	239	2	average	average	ADJ
fsr-3403	239	3	the	the	DET
fsr-3403	239	4	households	household	NOUN
fsr-3403	239	5	in	in	ADP
fsr-3403	239	6	our	our	PRON
fsr-3403	239	7	sample	sample	NOUN
fsr-3403	239	8	hold	hold	VERB
fsr-3403	239	9	62.5	62.5	NUM
fsr-3403	239	10	%	%	NOUN
fsr-3403	239	11	of	of	ADP
fsr-3403	239	12	total	total	ADJ
fsr-3403	239	13	debt	debt	NOUN
fsr-3403	239	14	as	as	ADP
fsr-3403	239	15	secured	secure	VERB
fsr-3403	239	16	debt	debt	NOUN
fsr-3403	239	17	and	and	CCONJ
fsr-3403	239	18	the	the	DET
fsr-3403	239	19	median	median	NOUN
fsr-3403	239	20	is	be	AUX
fsr-3403	239	21	higher	high	ADJ
fsr-3403	239	22	at	at	ADP
fsr-3403	239	23	84.2	84.2	NUM
fsr-3403	239	24	%	%	NOUN
fsr-3403	239	25	.	.	PUNCT
fsr-3403	240	1	the	the	DET
fsr-3403	240	2	demographic	demographic	ADJ
fsr-3403	240	3	statistics	statistic	NOUN
fsr-3403	240	4	summary	summary	NOUN
fsr-3403	240	5	shows	show	VERB
fsr-3403	240	6	78	78	NUM
fsr-3403	240	7	%	%	NOUN
fsr-3403	240	8	of	of	ADP
fsr-3403	240	9	household	household	NOUN
fsr-3403	240	10	head	head	NOUN
fsr-3403	240	11	are	be	AUX
fsr-3403	240	12	male	male	ADJ
fsr-3403	240	13	,	,	PUNCT
fsr-3403	240	14	66.5	66.5	NUM
fsr-3403	240	15	%	%	NOUN
fsr-3403	240	16	are	be	AUX
fsr-3403	240	17	households	household	NOUN
fsr-3403	240	18	with	with	ADP
fsr-3403	240	19	a	a	DET
fsr-3403	240	20	married	married	ADJ
fsr-3403	240	21	couple	couple	NOUN
fsr-3403	240	22	,	,	PUNCT
fsr-3403	240	23	67.8	67.8	NUM
fsr-3403	240	24	%	%	NOUN
fsr-3403	240	25	of	of	ADP
fsr-3403	240	26	household	household	NOUN
fsr-3403	240	27	head	head	NOUN
fsr-3403	240	28	are	be	AUX
fsr-3403	240	29	white	white	ADJ
fsr-3403	240	30	and	and	CCONJ
fsr-3403	240	31	non	non	ADJ
fsr-3403	240	32	-	-	ADJ
fsr-3403	240	33	hispanic	hispanic	ADJ
fsr-3403	240	34	,	,	PUNCT
fsr-3403	240	35	and	and	CCONJ
fsr-3403	240	36	,	,	PUNCT
fsr-3403	240	37	except	except	SCONJ
fsr-3403	240	38	for	for	ADP
fsr-3403	240	39	5.5	5.5	NUM
fsr-3403	240	40	%	%	NOUN
fsr-3403	240	41	of	of	ADP
fsr-3403	240	42	household	household	NOUN
fsr-3403	240	43	heads	head	NOUN
fsr-3403	240	44	who	who	PRON
fsr-3403	240	45	are	be	AUX
fsr-3403	240	46	over	over	ADP
fsr-3403	240	47	75	75	NUM
fsr-3403	240	48	years	year	NOUN
fsr-3403	240	49	old	old	ADJ
fsr-3403	240	50	,	,	PUNCT
fsr-3403	240	51	the	the	DET
fsr-3403	240	52	sample	sample	NOUN
fsr-3403	240	53	data	datum	NOUN
fsr-3403	240	54	are	be	AUX
fsr-3403	240	55	evenly	evenly	ADV
fsr-3403	240	56	distributed	distribute	VERB
fsr-3403	240	57	among	among	ADP
fsr-3403	240	58	each	each	DET
fsr-3403	240	59	age	age	NOUN
fsr-3403	240	60	group	group	NOUN
fsr-3403	240	61	.	.	PUNCT
fsr-3403	241	1	16.4	16.4	NUM
fsr-3403	241	2	%	%	NOUN
fsr-3403	241	3	of	of	ADP
fsr-3403	241	4	households	household	NOUN
fsr-3403	241	5	are	be	AUX
fsr-3403	241	6	self	self	NOUN
fsr-3403	241	7	-	-	PUNCT
fsr-3403	241	8	employed	employ	VERB
fsr-3403	241	9	,	,	PUNCT
fsr-3403	241	10	while	while	SCONJ
fsr-3403	241	11	21	21	NUM
fsr-3403	241	12	%	%	NOUN
fsr-3403	241	13	of	of	ADP
fsr-3403	241	14	households	household	NOUN
fsr-3403	241	15	own	own	ADJ
fsr-3403	241	16	or	or	CCONJ
fsr-3403	241	17	share	share	VERB
fsr-3403	241	18	ownership	ownership	NOUN
fsr-3403	241	19	in	in	ADP
fsr-3403	241	20	privately	privately	ADV
fsr-3403	241	21	held	hold	VERB
fsr-3403	241	22	businesses	business	NOUN
fsr-3403	241	23	.	.	PUNCT
fsr-3403	242	1	only	only	ADV
fsr-3403	242	2	3.1	3.1	NUM
fsr-3403	242	3	%	%	NOUN
fsr-3403	242	4	of	of	ADP
fsr-3403	242	5	households	household	NOUN
fsr-3403	242	6	are	be	AUX
fsr-3403	242	7	unemployed	unemployed	ADJ
fsr-3403	242	8	.	.	PUNCT
fsr-3403	243	1	one	one	NUM
fsr-3403	243	2	key	key	ADJ
fsr-3403	243	3	observation	observation	NOUN
fsr-3403	243	4	in	in	ADP
fsr-3403	243	5	table	table	NOUN
fsr-3403	243	6	1	1	NUM
fsr-3403	243	7	is	be	AUX
fsr-3403	243	8	that	that	SCONJ
fsr-3403	243	9	,	,	PUNCT
fsr-3403	243	10	although	although	SCONJ
fsr-3403	243	11	the	the	DET
fsr-3403	243	12	average	average	ADJ
fsr-3403	243	13	households	household	NOUN
fsr-3403	243	14	’	'	PUNCT
fsr-3403	243	15	total	total	ADJ
fsr-3403	243	16	assets	asset	NOUN
fsr-3403	243	17	are	be	AUX
fsr-3403	243	18	$	$	SYM
fsr-3403	243	19	1.1	1.1	NUM
fsr-3403	243	20	million	million	NUM
fsr-3403	243	21	,	,	PUNCT
fsr-3403	243	22	50	50	NUM
fsr-3403	243	23	%	%	NOUN
fsr-3403	243	24	of	of	ADP
fsr-3403	243	25	the	the	DET
fsr-3403	243	26	families	family	NOUN
fsr-3403	243	27	have	have	VERB
fsr-3403	243	28	less	less	ADJ
fsr-3403	243	29	than	than	ADP
fsr-3403	243	30	$	$	SYM
fsr-3403	243	31	280,000	280,000	NUM
fsr-3403	243	32	assets	asset	NOUN
fsr-3403	243	33	.	.	PUNCT
fsr-3403	244	1	the	the	DET
fsr-3403	244	2	sample	sample	NOUN
fsr-3403	244	3	shows	show	VERB
fsr-3403	244	4	an	an	DET
fsr-3403	244	5	average	average	ADJ
fsr-3403	244	6	liquid	liquid	ADJ
fsr-3403	244	7	assets	asset	NOUN
fsr-3403	244	8	of	of	ADP
fsr-3403	244	9	$	$	SYM
fsr-3403	244	10	47,000	47,000	NUM
fsr-3403	244	11	and	and	CCONJ
fsr-3403	244	12	an	an	DET
fsr-3403	244	13	average	average	ADJ
fsr-3403	244	14	net	net	ADJ
fsr-3403	244	15	worth	worth	NOUN
fsr-3403	244	16	of	of	ADP
fsr-3403	244	17	$	$	SYM
fsr-3403	244	18	0.9	0.9	NUM
fsr-3403	244	19	million	million	NUM
fsr-3403	244	20	with	with	ADP
fsr-3403	244	21	a	a	DET
fsr-3403	244	22	lower	low	ADJ
fsr-3403	244	23	median	median	NOUN
fsr-3403	244	24	at	at	ADP
fsr-3403	244	25	$	$	SYM
fsr-3403	244	26	161,000	161,000	NUM
fsr-3403	244	27	.	.	PUNCT
fsr-3403	245	1	the	the	DET
fsr-3403	245	2	households	household	NOUN
fsr-3403	245	3	in	in	ADP
fsr-3403	245	4	our	our	PRON
fsr-3403	245	5	sample	sample	NOUN
fsr-3403	245	6	display	display	VERB
fsr-3403	245	7	an	an	DET
fsr-3403	245	8	overall	overall	ADJ
fsr-3403	245	9	high	high	ADJ
fsr-3403	245	10	degree	degree	NOUN
fsr-3403	245	11	of	of	ADP
fsr-3403	245	12	risk	risk	NOUN
fsr-3403	245	13	aversion	aversion	NOUN
fsr-3403	245	14	(	(	PUNCT
fsr-3403	245	15	3.032	3.032	NUM
fsr-3403	245	16	out	out	ADP
fsr-3403	245	17	of	of	ADP
fsr-3403	245	18	4	4	NUM
fsr-3403	245	19	)	)	PUNCT
fsr-3403	245	20	and	and	CCONJ
fsr-3403	245	21	a	a	DET
fsr-3403	245	22	medium	medium	ADJ
fsr-3403	245	23	level	level	NOUN
fsr-3403	245	24	of	of	ADP
fsr-3403	245	25	liquidity	liquidity	NOUN
fsr-3403	245	26	constraint	constraint	NOUN
fsr-3403	245	27	(	(	PUNCT
fsr-3403	245	28	1.8	1.8	NUM
fsr-3403	245	29	out	out	ADP
fsr-3403	245	30	of	of	ADP
fsr-3403	245	31	4	4	NUM
fsr-3403	245	32	)	)	PUNCT
fsr-3403	245	33	;	;	PUNCT
fsr-3403	245	34	20	20	NUM
fsr-3403	245	35	%	%	NOUN
fsr-3403	245	36	of	of	ADP
fsr-3403	245	37	households	household	NOUN
fsr-3403	245	38	feared	fear	VERB
fsr-3403	245	39	denial	denial	NOUN
fsr-3403	245	40	or	or	CCONJ
fsr-3403	245	41	was	be	AUX
fsr-3403	245	42	turned	turn	VERB
fsr-3403	245	43	down	down	ADP
fsr-3403	245	44	when	when	SCONJ
fsr-3403	245	45	applied	apply	VERB
fsr-3403	245	46	for	for	ADP
fsr-3403	245	47	credit	credit	NOUN
fsr-3403	245	48	in	in	ADP
fsr-3403	245	49	the	the	DET
fsr-3403	245	50	previous	previous	ADJ
fsr-3403	245	51	year	year	NOUN
fsr-3403	245	52	,	,	PUNCT
fsr-3403	245	53	15	15	NUM
fsr-3403	245	54	%	%	NOUN
fsr-3403	245	55	had	have	VERB
fsr-3403	245	56	late	late	ADJ
fsr-3403	245	57	payments	payment	NOUN
fsr-3403	245	58	in	in	ADP
fsr-3403	245	59	the	the	DET
fsr-3403	245	60	last	last	ADJ
fsr-3403	245	61	year	year	NOUN
fsr-3403	245	62	,	,	PUNCT
fsr-3403	245	63	and	and	CCONJ
fsr-3403	245	64	26.1	26.1	NUM
fsr-3403	245	65	%	%	NOUN
fsr-3403	245	66	of	of	ADP
fsr-3403	245	67	families	family	NOUN
fsr-3403	245	68	’	’	PART
fsr-3403	245	69	head	head	NOUN
fsr-3403	245	70	and/or	and/or	CCONJ
fsr-3403	245	71	spouse	spouse	NOUN
fsr-3403	245	72	self	self	NOUN
fsr-3403	245	73	-	-	PUNCT
fsr-3403	245	74	evaluated	evaluate	VERB
fsr-3403	245	75	their	their	PRON
fsr-3403	245	76	health	health	NOUN
fsr-3403	245	77	condition	condition	NOUN
fsr-3403	245	78	as	as	ADP
fsr-3403	245	79	poor	poor	ADJ
fsr-3403	245	80	or	or	CCONJ
fsr-3403	245	81	fair	fair	ADJ
fsr-3403	245	82	.	.	PUNCT
fsr-3403	246	1	5	5	X
fsr-3403	246	2	.	.	X
fsr-3403	246	3	results	result	VERB
fsr-3403	246	4	5.1	5.1	NUM
fsr-3403	246	5	.	.	PUNCT
fsr-3403	247	1	determinants	determinant	NOUN
fsr-3403	247	2	of	of	ADP
fsr-3403	247	3	risky	risky	ADJ
fsr-3403	247	4	asset	asset	NOUN
fsr-3403	247	5	allocation	allocation	NOUN
fsr-3403	247	6	we	we	PRON
fsr-3403	247	7	first	first	ADV
fsr-3403	247	8	test	test	VERB
fsr-3403	247	9	the	the	DET
fsr-3403	247	10	effect	effect	NOUN
fsr-3403	247	11	of	of	ADP
fsr-3403	247	12	debt	debt	NOUN
fsr-3403	247	13	structure	structure	NOUN
fsr-3403	247	14	on	on	ADP
fsr-3403	247	15	risky	risky	ADJ
fsr-3403	247	16	asset	asset	NOUN
fsr-3403	247	17	holdings	holding	NOUN
fsr-3403	247	18	by	by	ADP
fsr-3403	247	19	using	use	VERB
fsr-3403	247	20	a	a	DET
fsr-3403	247	21	two	two	NUM
fsr-3403	247	22	-	-	PUNCT
fsr-3403	247	23	step	step	NOUN
fsr-3403	247	24	heckman	heckman	PROPN
fsr-3403	247	25	estimation	estimation	PROPN
fsr-3403	247	26	scheme	scheme	NOUN
fsr-3403	247	27	on	on	ADP
fsr-3403	247	28	the	the	DET
fsr-3403	247	29	tobit	tobit	NOUN
fsr-3403	247	30	model	model	NOUN
fsr-3403	247	31	.	.	PUNCT
fsr-3403	248	1	this	this	DET
fsr-3403	248	2	estimation	estimation	NOUN
fsr-3403	248	3	scheme	scheme	NOUN
fsr-3403	248	4	separates	separate	VERB
fsr-3403	248	5	the	the	DET
fsr-3403	248	6	decision	decision	NOUN
fsr-3403	248	7	to	to	PART
fsr-3403	248	8	participate	participate	VERB
fsr-3403	248	9	in	in	ADP
fsr-3403	248	10	investing	invest	VERB
fsr-3403	248	11	risky	risky	ADJ
fsr-3403	248	12	assets	asset	NOUN
fsr-3403	248	13	from	from	ADP
fsr-3403	248	14	the	the	DET
fsr-3403	248	15	decision	decision	NOUN
fsr-3403	248	16	on	on	ADP
fsr-3403	248	17	how	how	SCONJ
fsr-3403	248	18	much	much	ADJ
fsr-3403	248	19	share	share	NOUN
fsr-3403	248	20	of	of	ADP
fsr-3403	248	21	risky	risky	ADJ
fsr-3403	248	22	assets	asset	NOUN
fsr-3403	248	23	to	to	PART
fsr-3403	248	24	hold	hold	VERB
fsr-3403	248	25	.	.	PUNCT
fsr-3403	249	1	the	the	DET
fsr-3403	249	2	same	same	ADJ
fsr-3403	249	3	set	set	NOUN
fsr-3403	249	4	of	of	ADP
fsr-3403	249	5	independent	independent	ADJ
fsr-3403	249	6	variables	variable	NOUN
fsr-3403	249	7	is	be	AUX
fsr-3403	249	8	included	include	VERB
fsr-3403	249	9	in	in	ADP
fsr-3403	249	10	both	both	CCONJ
fsr-3403	249	11	the	the	DET
fsr-3403	249	12	participation	participation	NOUN
fsr-3403	249	13	equation	equation	NOUN
fsr-3403	249	14	and	and	CCONJ
fsr-3403	249	15	the	the	DET
fsr-3403	249	16	outcome	outcome	NOUN
fsr-3403	249	17	equation.6	equation.6	PROPN
fsr-3403	249	18	this	this	PRON
fsr-3403	249	19	allows	allow	VERB
fsr-3403	249	20	us	we	PRON
fsr-3403	249	21	to	to	PART
fsr-3403	249	22	identify	identify	VERB
fsr-3403	249	23	what	what	PRON
fsr-3403	249	24	factors	factor	NOUN
fsr-3403	249	25	prompt	prompt	VERB
fsr-3403	249	26	the	the	DET
fsr-3403	249	27	household	household	NOUN
fsr-3403	249	28	to	to	PART
fsr-3403	249	29	enter	enter	VERB
fsr-3403	249	30	the	the	DET
fsr-3403	249	31	market	market	NOUN
fsr-3403	249	32	for	for	ADP
fsr-3403	249	33	risky	risky	ADJ
fsr-3403	249	34	assets	asset	NOUN
fsr-3403	249	35	and	and	CCONJ
fsr-3403	249	36	what	what	DET
fsr-3403	249	37	factors	factor	NOUN
fsr-3403	249	38	influence	influence	VERB
fsr-3403	249	39	the	the	DET
fsr-3403	249	40	portfolio	portfolio	NOUN
fsr-3403	249	41	share	share	NOUN
fsr-3403	249	42	of	of	ADP
fsr-3403	249	43	risky	risky	ADJ
fsr-3403	249	44	assets	asset	NOUN
fsr-3403	249	45	,	,	PUNCT
fsr-3403	249	46	conditional	conditional	ADJ
fsr-3403	249	47	on	on	ADP
fsr-3403	249	48	holding	hold	VERB
fsr-3403	249	49	them	they	PRON
fsr-3403	249	50	.	.	PUNCT
fsr-3403	250	1	in	in	ADP
fsr-3403	250	2	addition	addition	NOUN
fsr-3403	250	3	,	,	PUNCT
fsr-3403	250	4	the	the	DET
fsr-3403	250	5	inverse	inverse	NOUN
fsr-3403	250	6	mill	mill	NOUN
fsr-3403	250	7	’s	’s	PART
fsr-3403	250	8	ratio	ratio	NOUN
fsr-3403	250	9	is	be	AUX
fsr-3403	250	10	added	add	VERB
fsr-3403	250	11	in	in	ADP
fsr-3403	250	12	the	the	DET
fsr-3403	250	13	outcome	outcome	NOUN
fsr-3403	250	14	equation	equation	NOUN
fsr-3403	250	15	as	as	ADP
fsr-3403	250	16	an	an	DET
fsr-3403	250	17	independent	independent	ADJ
fsr-3403	250	18	variable	variable	NOUN
fsr-3403	250	19	to	to	PART
fsr-3403	250	20	avoid	avoid	VERB
fsr-3403	250	21	selection	selection	NOUN
fsr-3403	250	22	bias	bias	NOUN
fsr-3403	250	23	(	(	PUNCT
fsr-3403	250	24	king	king	NOUN
fsr-3403	250	25	and	and	CCONJ
fsr-3403	250	26	leape	leape	NOUN
fsr-3403	250	27	,	,	PUNCT
fsr-3403	250	28	1998	1998	NUM
fsr-3403	250	29	)	)	PUNCT
fsr-3403	250	30	.	.	PUNCT
fsr-3403	251	1	the	the	DET
fsr-3403	251	2	results	result	NOUN
fsr-3403	251	3	show	show	VERB
fsr-3403	251	4	that	that	SCONJ
fsr-3403	251	5	the	the	DET
fsr-3403	251	6	inverse	inverse	NOUN
fsr-3403	251	7	mill	mill	NOUN
fsr-3403	251	8	’s	’s	PART
fsr-3403	251	9	ratio	ratio	NOUN
fsr-3403	251	10	is	be	AUX
fsr-3403	251	11	significant	significant	ADJ
fsr-3403	251	12	,	,	PUNCT
fsr-3403	251	13	which	which	PRON
fsr-3403	251	14	suggests	suggest	VERB
fsr-3403	251	15	that	that	SCONJ
fsr-3403	251	16	there	there	PRON
fsr-3403	251	17	would	would	AUX
fsr-3403	251	18	be	be	AUX
fsr-3403	251	19	a	a	DET
fsr-3403	251	20	possible	possible	ADJ
fsr-3403	251	21	selection	selection	NOUN
fsr-3403	251	22	bias	bias	NOUN
fsr-3403	251	23	in	in	ADP
fsr-3403	251	24	the	the	DET
fsr-3403	251	25	analysis	analysis	NOUN
fsr-3403	251	26	of	of	ADP
fsr-3403	251	27	risky	risky	ADJ
fsr-3403	251	28	asset	asset	NOUN
fsr-3403	251	29	holding	hold	VERB
fsr-3403	251	30	if	if	SCONJ
fsr-3403	251	31	not	not	PART
fsr-3403	251	32	considering	consider	VERB
fsr-3403	251	33	the	the	DET
fsr-3403	251	34	market	market	NOUN
fsr-3403	251	35	participation	participation	NOUN
fsr-3403	251	36	decision	decision	NOUN
fsr-3403	251	37	.	.	PUNCT
fsr-3403	252	1	table	table	NOUN
fsr-3403	252	2	2	2	NUM
fsr-3403	252	3	presents	present	VERB
fsr-3403	252	4	the	the	DET
fsr-3403	252	5	results	result	NOUN
fsr-3403	252	6	.	.	PUNCT
fsr-3403	253	1	335r	335r	NUM
fsr-3403	253	2	.	.	PUNCT
fsr-3403	254	1	tao	tao	PROPN
fsr-3403	254	2	,	,	PUNCT
fsr-3403	254	3	y.	y.	PROPN
fsr-3403	254	4	yuan	yuan	PROPN
fsr-3403	254	5	/	/	SYM
fsr-3403	254	6	financial	financial	ADJ
fsr-3403	254	7	services	service	NOUN
fsr-3403	254	8	review	review	VERB
fsr-3403	254	9	27	27	NUM
fsr-3403	254	10	(	(	PUNCT
fsr-3403	254	11	2018	2018	NUM
fsr-3403	254	12	)	)	PUNCT
fsr-3403	254	13	325	325	NUM
fsr-3403	254	14	-	-	SYM
fsr-3403	254	15	344	344	NUM
fsr-3403	254	16	our	our	PRON
fsr-3403	254	17	key	key	ADJ
fsr-3403	254	18	independent	independent	ADJ
fsr-3403	254	19	variable	variable	NOUN
fsr-3403	254	20	,	,	PUNCT
fsr-3403	254	21	the	the	DET
fsr-3403	254	22	ratio	ratio	NOUN
fsr-3403	254	23	of	of	ADP
fsr-3403	254	24	secured	secured	ADJ
fsr-3403	254	25	debt	debt	NOUN
fsr-3403	254	26	to	to	ADP
fsr-3403	254	27	total	total	ADJ
fsr-3403	254	28	debt	debt	NOUN
fsr-3403	254	29	,	,	PUNCT
fsr-3403	254	30	has	have	VERB
fsr-3403	254	31	a	a	DET
fsr-3403	254	32	positive	positive	ADJ
fsr-3403	254	33	and	and	CCONJ
fsr-3403	254	34	significant	significant	ADJ
fsr-3403	254	35	coefficient	coefficient	NOUN
fsr-3403	254	36	only	only	ADV
fsr-3403	254	37	in	in	ADP
fsr-3403	254	38	the	the	DET
fsr-3403	254	39	outcome	outcome	NOUN
fsr-3403	254	40	equation	equation	NOUN
fsr-3403	254	41	.	.	PUNCT
fsr-3403	255	1	it	it	PRON
fsr-3403	255	2	implies	imply	VERB
fsr-3403	255	3	that	that	SCONJ
fsr-3403	255	4	the	the	DET
fsr-3403	255	5	share	share	NOUN
fsr-3403	255	6	of	of	ADP
fsr-3403	255	7	debt	debt	NOUN
fsr-3403	255	8	in	in	ADP
fsr-3403	255	9	secured	secured	ADJ
fsr-3403	255	10	debt	debt	NOUN
fsr-3403	255	11	does	do	AUX
fsr-3403	255	12	not	not	PART
fsr-3403	255	13	affect	affect	VERB
fsr-3403	255	14	the	the	DET
fsr-3403	255	15	household	household	NOUN
fsr-3403	255	16	’s	’s	PART
fsr-3403	255	17	decision	decision	NOUN
fsr-3403	255	18	on	on	ADP
fsr-3403	255	19	whether	whether	SCONJ
fsr-3403	255	20	to	to	PART
fsr-3403	255	21	invest	invest	VERB
fsr-3403	255	22	in	in	ADP
fsr-3403	255	23	a	a	DET
fsr-3403	255	24	risky	risky	ADJ
fsr-3403	255	25	asset	asset	NOUN
fsr-3403	255	26	,	,	PUNCT
fsr-3403	255	27	but	but	CCONJ
fsr-3403	255	28	households	household	NOUN
fsr-3403	255	29	with	with	ADP
fsr-3403	255	30	relatively	relatively	ADV
fsr-3403	255	31	more	more	ADV
fsr-3403	255	32	secured	secure	VERB
fsr-3403	255	33	debt	debt	NOUN
fsr-3403	255	34	are	be	AUX
fsr-3403	255	35	likely	likely	ADJ
fsr-3403	255	36	to	to	PART
fsr-3403	255	37	invest	invest	VERB
fsr-3403	255	38	relatively	relatively	ADV
fsr-3403	255	39	more	more	ADJ
fsr-3403	255	40	in	in	ADP
fsr-3403	255	41	risky	risky	ADJ
fsr-3403	255	42	assets	asset	NOUN
fsr-3403	255	43	.	.	PUNCT
fsr-3403	256	1	the	the	DET
fsr-3403	256	2	marginal	marginal	ADJ
fsr-3403	256	3	table	table	NOUN
fsr-3403	256	4	1	1	NUM
fsr-3403	256	5	summary	summary	NOUN
fsr-3403	256	6	statistics	statistic	NOUN
fsr-3403	256	7	variable	variable	ADJ
fsr-3403	256	8	name	name	NOUN
fsr-3403	256	9	variable	variable	ADJ
fsr-3403	256	10	description	description	NOUN
fsr-3403	256	11	mean	mean	VERB
fsr-3403	256	12	median	median	ADJ
fsr-3403	256	13	standard	standard	ADJ
fsr-3403	256	14	deviation	deviation	NOUN
fsr-3403	256	15	min	min	PROPN
fsr-3403	256	16	max	max	PROPN
fsr-3403	256	17	risky	risky	PROPN
fsr-3403	256	18	ratio	ratio	PROPN
fsr-3403	256	19	risky	risky	ADJ
fsr-3403	256	20	asset	asset	NOUN
fsr-3403	256	21	holdings	holding	NOUN
fsr-3403	256	22	as	as	ADP
fsr-3403	256	23	a	a	DET
fsr-3403	256	24	%	%	NOUN
fsr-3403	256	25	of	of	ADP
fsr-3403	256	26	financial	financial	ADJ
fsr-3403	256	27	assets	asset	NOUN
fsr-3403	256	28	28.336	28.336	NUM
fsr-3403	256	29	20.816	20.816	NUM
fsr-3403	256	30	29.854	29.854	NUM
fsr-3403	256	31	0	0	NUM
fsr-3403	256	32	100	100	NUM
fsr-3403	256	33	secured	secure	VERB
fsr-3403	256	34	debt	debt	NOUN
fsr-3403	256	35	ratio	ratio	NOUN
fsr-3403	256	36	secured	secure	VERB
fsr-3403	256	37	debt	debt	NOUN
fsr-3403	256	38	holdings	holding	NOUN
fsr-3403	256	39	as	as	ADP
fsr-3403	256	40	a	a	DET
fsr-3403	256	41	%	%	NOUN
fsr-3403	256	42	of	of	ADP
fsr-3403	256	43	total	total	ADJ
fsr-3403	256	44	debt	debt	NOUN
fsr-3403	256	45	62.451	62.451	NUM
fsr-3403	256	46	84.239	84.239	NUM
fsr-3403	256	47	41.215	41.215	NUM
fsr-3403	256	48	0	0	NUM
fsr-3403	256	49	100	100	NUM
fsr-3403	256	50	hhsex	hhsex	NOUN
fsr-3403	256	51	household	household	NOUN
fsr-3403	256	52	head	head	NOUN
fsr-3403	256	53	gender	gender	NOUN
fsr-3403	256	54	(	(	PUNCT
fsr-3403	256	55	1	1	NUM
fsr-3403	256	56	�	�	NOUN
fsr-3403	256	57	male	male	NOUN
fsr-3403	256	58	)	)	PUNCT
fsr-3403	256	59	0.781	0.781	NUM
fsr-3403	256	60	1	1	NUM
fsr-3403	256	61	0.413	0.413	NUM
fsr-3403	256	62	0	0	NUM
fsr-3403	256	63	1	1	NUM
fsr-3403	256	64	age	age	NOUN
fsr-3403	256	65	�	�	PROPN
fsr-3403	256	66	35	35	NUM
fsr-3403	256	67	age	age	NOUN
fsr-3403	256	68	less	less	ADJ
fsr-3403	256	69	than	than	ADP
fsr-3403	256	70	35	35	NUM
fsr-3403	256	71	years	year	NOUN
fsr-3403	256	72	0.173	0.173	NUM
fsr-3403	256	73	0	0	NUM
fsr-3403	256	74	0.378	0.378	NUM
fsr-3403	256	75	0	0	NUM
fsr-3403	256	76	1	1	NUM
fsr-3403	256	77	age	age	NOUN
fsr-3403	256	78	35–44	35–44	NUM
fsr-3403	256	79	age	age	NOUN
fsr-3403	256	80	between	between	ADP
fsr-3403	256	81	35	35	NUM
fsr-3403	256	82	�	�	PROPN
fsr-3403	256	83	44	44	NUM
fsr-3403	256	84	0.205	0.205	NUM
fsr-3403	256	85	0	0	NUM
fsr-3403	256	86	0.404	0.404	NUM
fsr-3403	256	87	0	0	NUM
fsr-3403	256	88	1	1	NUM
fsr-3403	256	89	age	age	NOUN
fsr-3403	256	90	45–54	45–54	NUM
fsr-3403	256	91	age	age	NOUN
fsr-3403	256	92	between	between	ADP
fsr-3403	256	93	45	45	NUM
fsr-3403	256	94	�	�	PROPN
fsr-3403	256	95	54	54	NUM
fsr-3403	256	96	0.227	0.227	NUM
fsr-3403	256	97	0	0	NUM
fsr-3403	256	98	0.419	0.419	NUM
fsr-3403	256	99	0	0	NUM
fsr-3403	256	100	1	1	NUM
fsr-3403	256	101	age	age	NOUN
fsr-3403	256	102	55–64	55–64	NUM
fsr-3403	256	103	age	age	NOUN
fsr-3403	256	104	between	between	ADP
fsr-3403	256	105	55	55	NUM
fsr-3403	256	106	�	�	PROPN
fsr-3403	256	107	64	64	NUM
fsr-3403	256	108	0.216	0.216	NUM
fsr-3403	256	109	0	0	NUM
fsr-3403	256	110	0.411	0.411	NUM
fsr-3403	256	111	0	0	NUM
fsr-3403	256	112	1	1	NUM
fsr-3403	256	113	age	age	NOUN
fsr-3403	256	114	65–74	65–74	NUM
fsr-3403	256	115	age	age	NOUN
fsr-3403	256	116	between	between	ADP
fsr-3403	256	117	65	65	NUM
fsr-3403	256	118	�	�	PROPN
fsr-3403	256	119	74	74	NUM
fsr-3403	256	120	0.124	0.124	NUM
fsr-3403	256	121	0	0	NUM
fsr-3403	256	122	0.330	0.330	NUM
fsr-3403	256	123	0	0	NUM
fsr-3403	256	124	1	1	NUM
fsr-3403	256	125	age	age	NOUN
fsr-3403	256	126	�	�	NOUN
fsr-3403	256	127	75	75	NUM
fsr-3403	256	128	age	age	NOUN
fsr-3403	256	129	beyond	beyond	ADP
fsr-3403	256	130	75	75	NUM
fsr-3403	256	131	years	year	NOUN
fsr-3403	256	132	(	(	PUNCT
fsr-3403	256	133	omitted	omit	VERB
fsr-3403	256	134	in	in	ADP
fsr-3403	256	135	regressions	regression	NOUN
fsr-3403	256	136	)	)	PUNCT
fsr-3403	256	137	0.055	0.055	NUM
fsr-3403	256	138	0	0	NUM
fsr-3403	257	1	0.228	0.228	NUM
fsr-3403	257	2	0	0	NUM
fsr-3403	257	3	1	1	NUM
fsr-3403	257	4	education	education	NOUN
fsr-3403	257	5	education	education	NOUN
fsr-3403	257	6	:	:	PUNCT
fsr-3403	257	7	1	1	NUM
fsr-3403	257	8	�	�	PROPN
fsr-3403	257	9	no	no	DET
fsr-3403	257	10	high	high	ADJ
fsr-3403	257	11	school	school	NOUN
fsr-3403	257	12	diploma	diploma	NOUN
fsr-3403	257	13	/	/	PUNCT
fsr-3403	257	14	ged	ge	VERB
fsr-3403	257	15	;	;	PUNCT
fsr-3403	257	16	2	2	NUM
fsr-3403	257	17	�	�	PROPN
fsr-3403	257	18	high	high	ADJ
fsr-3403	257	19	school	school	NOUN
fsr-3403	257	20	diploma	diploma	NOUN
fsr-3403	257	21	or	or	CCONJ
fsr-3403	257	22	ged	ge	VERB
fsr-3403	257	23	;	;	PUNCT
fsr-3403	257	24	3	3	NUM
fsr-3403	257	25	�	�	PROPN
fsr-3403	257	26	some	some	DET
fsr-3403	257	27	college	college	NOUN
fsr-3403	257	28	or	or	CCONJ
fsr-3403	257	29	associative	associative	ADJ
fsr-3403	257	30	degree	degree	NOUN
fsr-3403	257	31	;	;	PUNCT
fsr-3403	257	32	4	4	NUM
fsr-3403	257	33	�	�	PROPN
fsr-3403	257	34	bachelor	bachelor	PROPN
fsr-3403	257	35	’s	’s	PART
fsr-3403	257	36	degree	degree	NOUN
fsr-3403	257	37	or	or	CCONJ
fsr-3403	257	38	higher	high	ADJ
fsr-3403	257	39	3.036	3.036	NUM
fsr-3403	257	40	3	3	NUM
fsr-3403	257	41	0.986	0.986	NUM
fsr-3403	257	42	1	1	NUM
fsr-3403	257	43	4	4	NUM
fsr-3403	257	44	married	married	ADJ
fsr-3403	257	45	marital	marital	ADJ
fsr-3403	257	46	status	status	NOUN
fsr-3403	257	47	(	(	PUNCT
fsr-3403	257	48	1	1	NUM
fsr-3403	257	49	�	�	PROPN
fsr-3403	257	50	married	marry	VERB
fsr-3403	257	51	;	;	PUNCT
fsr-3403	257	52	not	not	PART
fsr-3403	257	53	included	include	VERB
fsr-3403	257	54	in	in	ADP
fsr-3403	257	55	regressions	regression	NOUN
fsr-3403	257	56	because	because	SCONJ
fsr-3403	257	57	of	of	ADP
fsr-3403	257	58	multicollinearity	multicollinearity	NOUN
fsr-3403	257	59	with	with	ADP
fsr-3403	257	60	hhsex	hhsex	NOUN
fsr-3403	257	61	)	)	PUNCT
fsr-3403	257	62	0.665	0.665	NUM
fsr-3403	257	63	1	1	NUM
fsr-3403	257	64	0.472	0.472	NUM
fsr-3403	257	65	0	0	NUM
fsr-3403	257	66	1	1	NUM
fsr-3403	257	67	kids	kid	NOUN
fsr-3403	257	68	number	number	NOUN
fsr-3403	257	69	of	of	ADP
fsr-3403	257	70	kids	kid	NOUN
fsr-3403	257	71	0.920	0.920	NUM
fsr-3403	257	72	0	0	NUM
fsr-3403	257	73	1.170	1.170	NUM
fsr-3403	257	74	0	0	NUM
fsr-3403	257	75	7	7	NUM
fsr-3403	257	76	race	race	NOUN
fsr-3403	257	77	race	race	NOUN
fsr-3403	257	78	(	(	PUNCT
fsr-3403	257	79	1	1	NUM
fsr-3403	257	80	�	�	PROPN
fsr-3403	257	81	white	white	ADJ
fsr-3403	257	82	and	and	CCONJ
fsr-3403	257	83	non	non	ADJ
fsr-3403	257	84	-	-	ADJ
fsr-3403	257	85	hispanic	hispanic	ADJ
fsr-3403	257	86	)	)	PUNCT
fsr-3403	257	87	0.678	0.678	NUM
fsr-3403	257	88	1	1	NUM
fsr-3403	257	89	0.467	0.467	NUM
fsr-3403	257	90	0	0	NUM
fsr-3403	257	91	1	1	NUM
fsr-3403	257	92	employed	employ	VERB
fsr-3403	257	93	employed	employ	VERB
fsr-3403	257	94	(	(	PUNCT
fsr-3403	257	95	1	1	NUM
fsr-3403	257	96	�	�	PROPN
fsr-3403	257	97	yes	yes	NOUN
fsr-3403	257	98	)	)	PUNCT
fsr-3403	257	99	(	(	PUNCT
fsr-3403	257	100	not	not	PART
fsr-3403	257	101	included	include	VERB
fsr-3403	257	102	in	in	ADP
fsr-3403	257	103	regressions	regression	NOUN
fsr-3403	257	104	because	because	SCONJ
fsr-3403	257	105	of	of	ADP
fsr-3403	257	106	multicollinearity	multicollinearity	NOUN
fsr-3403	257	107	)	)	PUNCT
fsr-3403	257	108	0.784	0.784	NUM
fsr-3403	257	109	1	1	NUM
fsr-3403	257	110	0.412	0.412	NUM
fsr-3403	257	111	0	0	NUM
fsr-3403	257	112	1	1	NUM
fsr-3403	257	113	self	self	NOUN
fsr-3403	257	114	-	-	PUNCT
fsr-3403	257	115	employed	employ	VERB
fsr-3403	257	116	self	self	NOUN
fsr-3403	257	117	-	-	PUNCT
fsr-3403	257	118	employed	employ	VERB
fsr-3403	257	119	(	(	PUNCT
fsr-3403	257	120	1	1	NUM
fsr-3403	257	121	�	�	PROPN
fsr-3403	257	122	yes	yes	NOUN
fsr-3403	257	123	)	)	PUNCT
fsr-3403	257	124	0.164	0.164	NUM
fsr-3403	257	125	0	0	NUM
fsr-3403	257	126	0.370	0.370	NUM
fsr-3403	257	127	0	0	NUM
fsr-3403	257	128	1	1	NUM
fsr-3403	257	129	unemployed	unemployed	ADJ
fsr-3403	257	130	unemployed	unemployed	ADJ
fsr-3403	257	131	(	(	PUNCT
fsr-3403	257	132	1	1	NUM
fsr-3403	257	133	�	�	PROPN
fsr-3403	257	134	yes	yes	NOUN
fsr-3403	257	135	)	)	PUNCT
fsr-3403	257	136	(	(	PUNCT
fsr-3403	257	137	not	not	PART
fsr-3403	257	138	included	include	VERB
fsr-3403	257	139	in	in	ADP
fsr-3403	257	140	regressions	regression	NOUN
fsr-3403	257	141	because	because	SCONJ
fsr-3403	257	142	of	of	ADP
fsr-3403	257	143	multicollinearity	multicollinearity	NOUN
fsr-3403	257	144	)	)	PUNCT
fsr-3403	257	145	0.031	0.031	NUM
fsr-3403	257	146	0	0	NUM
fsr-3403	257	147	0.174	0.174	NUM
fsr-3403	257	148	0	0	NUM
fsr-3403	257	149	1	1	NUM
fsr-3403	257	150	retired	retire	VERB
fsr-3403	257	151	retired	retire	VERB
fsr-3403	257	152	(	(	PUNCT
fsr-3403	257	153	1	1	NUM
fsr-3403	257	154	�	�	PROPN
fsr-3403	257	155	yes	yes	NOUN
fsr-3403	257	156	)	)	PUNCT
fsr-3403	257	157	0.185	0.185	NUM
fsr-3403	257	158	0	0	NUM
fsr-3403	258	1	0.388	0.388	NUM
fsr-3403	258	2	0	0	NUM
fsr-3403	258	3	1	1	NUM
fsr-3403	258	4	asset	asset	NOUN
fsr-3403	258	5	total	total	NOUN
fsr-3403	258	6	assets	asset	NOUN
fsr-3403	258	7	(	(	PUNCT
fsr-3403	258	8	’	'	PUNCT
fsr-3403	258	9	000	000	NUM
fsr-3403	258	10	)	)	PUNCT
fsr-3403	258	11	1100	1100	NUM
fsr-3403	258	12	280	280	NUM
fsr-3403	258	13	2500	2500	NUM
fsr-3403	258	14	0.001	0.001	NUM
fsr-3403	258	15	23000	23000	NUM
fsr-3403	258	16	ln	ln	ADJ
fsr-3403	258	17	(	(	PUNCT
fsr-3403	258	18	income	income	NOUN
fsr-3403	258	19	)	)	PUNCT
fsr-3403	258	20	annual	annual	ADJ
fsr-3403	258	21	income	income	NOUN
fsr-3403	258	22	(	(	PUNCT
fsr-3403	258	23	log	log	NOUN
fsr-3403	258	24	)	)	PUNCT
fsr-3403	258	25	11.281	11.281	NUM
fsr-3403	258	26	11.205	11.205	NUM
fsr-3403	258	27	0.928	0.928	NUM
fsr-3403	258	28	9.485	9.485	NUM
fsr-3403	258	29	14.422	14.422	NUM
fsr-3403	258	30	ln	ln	ADJ
fsr-3403	258	31	(	(	PUNCT
fsr-3403	258	32	checking	checking	NOUN
fsr-3403	258	33	)	)	PUNCT
fsr-3403	258	34	checking	check	VERB
fsr-3403	258	35	account	account	NOUN
fsr-3403	258	36	balance	balance	NOUN
fsr-3403	258	37	(	(	PUNCT
fsr-3403	258	38	log	log	NOUN
fsr-3403	258	39	)	)	PUNCT
fsr-3403	258	40	7.244	7.244	NUM
fsr-3403	258	41	7.784	7.784	NUM
fsr-3403	258	42	2.804	2.804	NUM
fsr-3403	258	43	0	0	NUM
fsr-3403	258	44	14.078	14.078	NUM
fsr-3403	258	45	ln	ln	ADJ
fsr-3403	258	46	(	(	PUNCT
fsr-3403	258	47	saving	saving	NOUN
fsr-3403	258	48	)	)	PUNCT
fsr-3403	258	49	saving	save	VERB
fsr-3403	258	50	account	account	NOUN
fsr-3403	258	51	balance	balance	NOUN
fsr-3403	258	52	(	(	PUNCT
fsr-3403	258	53	log	log	NOUN
fsr-3403	258	54	)	)	PUNCT
fsr-3403	258	55	4.737	4.737	NUM
fsr-3403	258	56	5.602	5.602	NUM
fsr-3403	258	57	4.474	4.474	NUM
fsr-3403	258	58	0	0	NUM
fsr-3403	259	1	15.464	15.464	NUM
fsr-3403	260	1	net	net	ADJ
fsr-3403	260	2	worth	worth	ADJ
fsr-3403	260	3	net	net	ADJ
fsr-3403	260	4	worth	worth	NOUN
fsr-3403	260	5	(	(	PUNCT
fsr-3403	260	6	’	'	PUNCT
fsr-3403	260	7	000	000	NUM
fsr-3403	260	8	)	)	PUNCT
fsr-3403	260	9	914	914	NUM
fsr-3403	260	10	161	161	NUM
fsr-3403	260	11	2372	2372	NUM
fsr-3403	260	12	�	�	PROPN
fsr-3403	260	13	2000	2000	NUM
fsr-3403	260	14	23000	23000	NUM
fsr-3403	260	15	risk	risk	NOUN
fsr-3403	260	16	aversion	aversion	NOUN
fsr-3403	260	17	risk	risk	NOUN
fsr-3403	260	18	aversion	aversion	NOUN
fsr-3403	260	19	(	(	PUNCT
fsr-3403	260	20	1	1	NUM
fsr-3403	260	21	�	�	PROPN
fsr-3403	260	22	take	take	VERB
fsr-3403	260	23	substantial	substantial	ADJ
fsr-3403	260	24	financial	financial	ADJ
fsr-3403	260	25	risks	risk	NOUN
fsr-3403	260	26	expecting	expect	VERB
fsr-3403	260	27	to	to	PART
fsr-3403	260	28	earn	earn	VERB
fsr-3403	260	29	substantial	substantial	ADJ
fsr-3403	260	30	returns	return	NOUN
fsr-3403	260	31	;	;	PUNCT
fsr-3403	260	32	2	2	NUM
fsr-3403	260	33	�	�	NOUN
fsr-3403	260	34	take	take	VERB
fsr-3403	260	35	above	above	ADV
fsr-3403	260	36	average	average	ADJ
fsr-3403	260	37	financial	financial	ADJ
fsr-3403	260	38	risks	risk	NOUN
fsr-3403	260	39	expecting	expect	VERB
fsr-3403	260	40	to	to	PART
fsr-3403	260	41	earn	earn	VERB
fsr-3403	260	42	above	above	ADP
fsr-3403	260	43	average	average	ADJ
fsr-3403	260	44	returns	return	NOUN
fsr-3403	260	45	;	;	PUNCT
fsr-3403	260	46	3	3	NUM
fsr-3403	260	47	�	�	NOUN
fsr-3403	260	48	take	take	VERB
fsr-3403	260	49	average	average	ADJ
fsr-3403	260	50	financial	financial	ADJ
fsr-3403	260	51	risks	risk	NOUN
fsr-3403	260	52	expecting	expect	VERB
fsr-3403	260	53	to	to	PART
fsr-3403	260	54	earn	earn	VERB
fsr-3403	260	55	average	average	ADJ
fsr-3403	260	56	returns	return	NOUN
fsr-3403	260	57	;	;	PUNCT
fsr-3403	260	58	4	4	NUM
fsr-3403	260	59	�	�	NOUN
fsr-3403	260	60	not	not	PART
fsr-3403	260	61	willing	willing	ADJ
fsr-3403	260	62	to	to	PART
fsr-3403	260	63	take	take	VERB
fsr-3403	260	64	any	any	DET
fsr-3403	260	65	financial	financial	ADJ
fsr-3403	260	66	risks	risk	NOUN
fsr-3403	260	67	)	)	PUNCT
fsr-3403	260	68	3.032	3.032	NUM
fsr-3403	260	69	3	3	NUM
fsr-3403	260	70	0.839	0.839	NUM
fsr-3403	260	71	1	1	NUM
fsr-3403	260	72	4	4	NUM
fsr-3403	260	73	turned	turn	VERB
fsr-3403	260	74	down	down	ADP
fsr-3403	260	75	applied	apply	VERB
fsr-3403	260	76	for	for	ADP
fsr-3403	260	77	any	any	DET
fsr-3403	260	78	type	type	NOUN
fsr-3403	260	79	of	of	ADP
fsr-3403	260	80	credit	credit	NOUN
fsr-3403	260	81	in	in	ADP
fsr-3403	260	82	past	past	ADJ
fsr-3403	260	83	12	12	NUM
fsr-3403	260	84	months	month	NOUN
fsr-3403	260	85	,	,	PUNCT
fsr-3403	260	86	feared	fear	VERB
fsr-3403	260	87	denial	denial	NOUN
fsr-3403	260	88	or	or	CCONJ
fsr-3403	260	89	was	be	AUX
fsr-3403	260	90	turned	turn	VERB
fsr-3403	260	91	down	down	ADP
fsr-3403	260	92	(	(	PUNCT
fsr-3403	260	93	1	1	NUM
fsr-3403	260	94	�	�	PROPN
fsr-3403	260	95	yes	yes	NOUN
fsr-3403	260	96	)	)	PUNCT
fsr-3403	260	97	0.201	0.201	NUM
fsr-3403	260	98	0	0	NUM
fsr-3403	261	1	0.401	0.401	NUM
fsr-3403	261	2	0	0	NUM
fsr-3403	261	3	1	1	NUM
fsr-3403	261	4	late	late	ADJ
fsr-3403	261	5	pay	pay	NOUN
fsr-3403	261	6	have	have	VERB
fsr-3403	261	7	any	any	DET
fsr-3403	261	8	late	late	ADJ
fsr-3403	261	9	payment	payment	NOUN
fsr-3403	261	10	last	last	ADJ
fsr-3403	261	11	year	year	NOUN
fsr-3403	261	12	(	(	PUNCT
fsr-3403	261	13	1	1	NUM
fsr-3403	261	14	�	�	PROPN
fsr-3403	261	15	yes	yes	NOUN
fsr-3403	261	16	)	)	PUNCT
fsr-3403	261	17	0.154	0.154	NUM
fsr-3403	261	18	0	0	NUM
fsr-3403	262	1	0.359	0.359	NUM
fsr-3403	262	2	0	0	NUM
fsr-3403	262	3	1	1	NUM
fsr-3403	262	4	high	high	ADJ
fsr-3403	262	5	expense	expense	NOUN
fsr-3403	262	6	have	have	VERB
fsr-3403	262	7	unusually	unusually	ADV
fsr-3403	262	8	high	high	ADJ
fsr-3403	262	9	expenses	expense	NOUN
fsr-3403	262	10	last	last	ADJ
fsr-3403	262	11	year	year	NOUN
fsr-3403	262	12	(	(	PUNCT
fsr-3403	262	13	1	1	NUM
fsr-3403	262	14	�	�	PROPN
fsr-3403	262	15	yes	yes	NOUN
fsr-3403	262	16	)	)	PUNCT
fsr-3403	262	17	0.260	0.260	NUM
fsr-3403	262	18	0	0	NUM
fsr-3403	262	19	0.439	0.439	NUM
fsr-3403	262	20	0	0	NUM
fsr-3403	262	21	1	1	NUM
fsr-3403	262	22	committed	committed	ADJ
fsr-3403	262	23	expense	expense	NOUN
fsr-3403	262	24	ratio	ratio	NOUN
fsr-3403	262	25	of	of	ADP
fsr-3403	262	26	committed	committed	ADJ
fsr-3403	262	27	expenses	expense	NOUN
fsr-3403	262	28	(	(	PUNCT
fsr-3403	262	29	monthly	monthly	ADJ
fsr-3403	262	30	mortgage	mortgage	NOUN
fsr-3403	262	31	and	and	CCONJ
fsr-3403	262	32	car	car	NOUN
fsr-3403	262	33	loan	loan	NOUN
fsr-3403	262	34	payments	payment	NOUN
fsr-3403	262	35	)	)	PUNCT
fsr-3403	262	36	to	to	PART
fsr-3403	262	37	income	income	VERB
fsr-3403	262	38	(	(	PUNCT
fsr-3403	262	39	%	%	NOUN
fsr-3403	262	40	)	)	PUNCT
fsr-3403	263	1	15.700	15.700	NUM
fsr-3403	263	2	13	13	NUM
fsr-3403	263	3	14.100	14.100	NUM
fsr-3403	263	4	0	0	NUM
fsr-3403	263	5	98.800	98.800	NUM
fsr-3403	263	6	private	private	ADJ
fsr-3403	263	7	business	business	NOUN
fsr-3403	263	8	own	own	ADJ
fsr-3403	263	9	or	or	CCONJ
fsr-3403	263	10	share	share	VERB
fsr-3403	263	11	ownership	ownership	NOUN
fsr-3403	263	12	in	in	ADP
fsr-3403	263	13	any	any	DET
fsr-3403	263	14	privately	privately	ADV
fsr-3403	263	15	held	hold	VERB
fsr-3403	263	16	businesses	business	NOUN
fsr-3403	263	17	(	(	PUNCT
fsr-3403	263	18	1	1	NUM
fsr-3403	263	19	�	�	PROPN
fsr-3403	263	20	yes	yes	NOUN
fsr-3403	263	21	)	)	PUNCT
fsr-3403	263	22	0.210	0.210	NUM
fsr-3403	263	23	0	0	NUM
fsr-3403	263	24	0.408	0.408	NUM
fsr-3403	263	25	0	0	NUM
fsr-3403	263	26	1	1	NUM
fsr-3403	263	27	liq	liq	NOUN
fsr-3403	263	28	con	con	NOUN
fsr-3403	263	29	if	if	SCONJ
fsr-3403	263	30	experience	experience	VERB
fsr-3403	263	31	a	a	DET
fsr-3403	263	32	financial	financial	ADJ
fsr-3403	263	33	emergency	emergency	NOUN
fsr-3403	263	34	,	,	PUNCT
fsr-3403	263	35	1	1	NUM
fsr-3403	263	36	�	�	NOUN
fsr-3403	263	37	borrow	borrow	VERB
fsr-3403	263	38	from	from	ADP
fsr-3403	263	39	others	other	NOUN
fsr-3403	263	40	;	;	PUNCT
fsr-3403	263	41	2	2	NUM
fsr-3403	263	42	�	�	NOUN
fsr-3403	263	43	spend	spend	VERB
fsr-3403	263	44	from	from	ADP
fsr-3403	263	45	own	own	ADJ
fsr-3403	263	46	savings	saving	NOUN
fsr-3403	263	47	;	;	PUNCT
fsr-3403	263	48	3	3	NUM
fsr-3403	263	49	�	�	NOUN
fsr-3403	263	50	postpone	postpone	NOUN
fsr-3403	263	51	payments	payment	NOUN
fsr-3403	263	52	;	;	PUNCT
fsr-3403	263	53	4	4	NUM
fsr-3403	263	54	�	�	NOUN
fsr-3403	263	55	cut	cut	VERB
fsr-3403	263	56	back	back	ADP
fsr-3403	263	57	spending	spend	VERB
fsr-3403	263	58	1.800	1.800	NUM
fsr-3403	263	59	2	2	NUM
fsr-3403	263	60	1.038	1.038	NUM
fsr-3403	263	61	0	0	NUM
fsr-3403	263	62	4	4	NUM
fsr-3403	263	63	loc	loc	NOUN
fsr-3403	263	64	total	total	ADJ
fsr-3403	263	65	lines	line	NOUN
fsr-3403	263	66	of	of	ADP
fsr-3403	263	67	credit	credit	NOUN
fsr-3403	263	68	(	(	PUNCT
fsr-3403	263	69	’	'	PUNCT
fsr-3403	263	70	000	000	NUM
fsr-3403	263	71	)	)	PUNCT
fsr-3403	263	72	18.742	18.742	NUM
fsr-3403	263	73	0	0	NUM
fsr-3403	263	74	154.067	154.067	NUM
fsr-3403	263	75	�	�	NOUN
fsr-3403	263	76	0.002	0.002	NUM
fsr-3403	263	77	7450	7450	NUM
fsr-3403	263	78	liq	liq	NOUN
fsr-3403	263	79	liquid	liquid	ADJ
fsr-3403	263	80	assets	asset	NOUN
fsr-3403	263	81	(	(	PUNCT
fsr-3403	263	82	’	'	PUNCT
fsr-3403	263	83	000)-balance	000)-balance	NOUN
fsr-3403	263	84	of	of	ADP
fsr-3403	263	85	all	all	DET
fsr-3403	263	86	types	type	NOUN
fsr-3403	263	87	of	of	ADP
fsr-3403	263	88	transaction	transaction	NOUN
fsr-3403	263	89	account	account	VERB
fsr-3403	263	90	47.069	47.069	NUM
fsr-3403	263	91	6.592	6.592	NUM
fsr-3403	263	92	182.790	182.790	NUM
fsr-3403	263	93	0	0	NUM
fsr-3403	263	94	5236.5	5236.5	NUM
fsr-3403	263	95	health	health	NOUN
fsr-3403	263	96	risk	risk	NOUN
fsr-3403	263	97	health	health	NOUN
fsr-3403	263	98	risk	risk	NOUN
fsr-3403	263	99	(	(	PUNCT
fsr-3403	263	100	1	1	NUM
fsr-3403	263	101	�	�	PROPN
fsr-3403	263	102	either	either	CCONJ
fsr-3403	263	103	head	head	NOUN
fsr-3403	263	104	or	or	CCONJ
fsr-3403	263	105	spouse	spouse	NOUN
fsr-3403	263	106	responded	respond	VERB
fsr-3403	263	107	“	"	PUNCT
fsr-3403	263	108	poor	poor	ADJ
fsr-3403	263	109	”	"	PUNCT
fsr-3403	263	110	or	or	CCONJ
fsr-3403	263	111	“	"	PUNCT
fsr-3403	263	112	fair	fair	ADJ
fsr-3403	263	113	”	"	PUNCT
fsr-3403	263	114	health	health	NOUN
fsr-3403	263	115	condition	condition	NOUN
fsr-3403	263	116	0.261	0.261	NUM
fsr-3403	263	117	0	0	NUM
fsr-3403	263	118	0.439	0.439	NUM
fsr-3403	263	119	0	0	NUM
fsr-3403	263	120	1	1	NUM
fsr-3403	263	121	notes	note	NOUN
fsr-3403	263	122	:	:	PUNCT
fsr-3403	263	123	this	this	DET
fsr-3403	263	124	table	table	NOUN
fsr-3403	263	125	reports	report	VERB
fsr-3403	263	126	the	the	DET
fsr-3403	263	127	summary	summary	NOUN
fsr-3403	263	128	statistics	statistic	NOUN
fsr-3403	263	129	for	for	ADP
fsr-3403	263	130	the	the	DET
fsr-3403	263	131	outcome	outcome	NOUN
fsr-3403	263	132	and	and	CCONJ
fsr-3403	263	133	control	control	NOUN
fsr-3403	263	134	variables	variable	NOUN
fsr-3403	263	135	.	.	PUNCT
fsr-3403	264	1	not	not	PART
fsr-3403	264	2	all	all	DET
fsr-3403	264	3	variables	variable	NOUN
fsr-3403	264	4	are	be	AUX
fsr-3403	264	5	included	include	VERB
fsr-3403	264	6	in	in	ADP
fsr-3403	264	7	the	the	DET
fsr-3403	264	8	regressions	regression	NOUN
fsr-3403	264	9	because	because	SCONJ
fsr-3403	264	10	of	of	ADP
fsr-3403	264	11	multicollinearity	multicollinearity	NOUN
fsr-3403	264	12	problem	problem	NOUN
fsr-3403	264	13	.	.	PUNCT
fsr-3403	265	1	the	the	DET
fsr-3403	265	2	number	number	NOUN
fsr-3403	265	3	of	of	ADP
fsr-3403	265	4	observations	observation	NOUN
fsr-3403	265	5	�	�	PROPN
fsr-3403	265	6	4,049	4,049	NUM
fsr-3403	265	7	.	.	PUNCT
fsr-3403	265	8	336	336	NUM
fsr-3403	265	9	r.	r.	PROPN
fsr-3403	265	10	tao	tao	PROPN
fsr-3403	265	11	,	,	PUNCT
fsr-3403	265	12	y.	y.	PROPN
fsr-3403	265	13	yuan	yuan	PROPN
fsr-3403	265	14	/	/	SYM
fsr-3403	265	15	financial	financial	ADJ
fsr-3403	265	16	services	service	NOUN
fsr-3403	265	17	review	review	VERB
fsr-3403	265	18	27	27	NUM
fsr-3403	265	19	(	(	PUNCT
fsr-3403	265	20	2018	2018	NUM
fsr-3403	265	21	)	)	PUNCT
fsr-3403	265	22	325	325	NUM
fsr-3403	265	23	-	-	SYM
fsr-3403	265	24	344	344	NUM
fsr-3403	265	25	effect	effect	NOUN
fsr-3403	265	26	shows	show	VERB
fsr-3403	265	27	an	an	DET
fsr-3403	265	28	economic	economic	ADJ
fsr-3403	265	29	significance	significance	NOUN
fsr-3403	265	30	that	that	SCONJ
fsr-3403	265	31	if	if	SCONJ
fsr-3403	265	32	the	the	DET
fsr-3403	265	33	secured	secure	VERB
fsr-3403	265	34	debt	debt	NOUN
fsr-3403	265	35	share	share	NOUN
fsr-3403	265	36	increases	increase	NOUN
fsr-3403	265	37	by	by	ADP
fsr-3403	265	38	1	1	NUM
fsr-3403	265	39	%	%	NOUN
fsr-3403	265	40	,	,	PUNCT
fsr-3403	265	41	the	the	DET
fsr-3403	265	42	risky	risky	ADJ
fsr-3403	265	43	assets	asset	NOUN
fsr-3403	265	44	holding	hold	VERB
fsr-3403	265	45	by	by	ADP
fsr-3403	265	46	an	an	DET
fsr-3403	265	47	average	average	ADJ
fsr-3403	265	48	household	household	NOUN
fsr-3403	265	49	who	who	PRON
fsr-3403	265	50	already	already	ADV
fsr-3403	265	51	holds	hold	VERB
fsr-3403	265	52	risky	risky	ADJ
fsr-3403	265	53	assets	asset	NOUN
fsr-3403	265	54	will	will	AUX
fsr-3403	265	55	increase	increase	VERB
fsr-3403	265	56	by	by	ADP
fsr-3403	265	57	$	$	SYM
fsr-3403	265	58	13,531.7	13,531.7	NOUN
fsr-3403	265	59	because	because	SCONJ
fsr-3403	265	60	most	most	ADJ
fsr-3403	265	61	of	of	ADP
fsr-3403	265	62	the	the	DET
fsr-3403	265	63	secured	secure	VERB
fsr-3403	265	64	debt	debt	NOUN
fsr-3403	265	65	is	be	AUX
fsr-3403	265	66	mortgage	mortgage	NOUN
fsr-3403	265	67	,	,	PUNCT
fsr-3403	265	68	this	this	DET
fsr-3403	265	69	result	result	NOUN
fsr-3403	265	70	seems	seem	VERB
fsr-3403	265	71	to	to	PART
fsr-3403	265	72	contradict	contradict	VERB
fsr-3403	265	73	the	the	DET
fsr-3403	265	74	well	well	ADV
fsr-3403	265	75	-	-	PUNCT
fsr-3403	265	76	known	know	VERB
fsr-3403	265	77	crowding	crowd	VERB
fsr-3403	265	78	-	-	PUNCT
fsr-3403	265	79	out	out	ADP
fsr-3403	265	80	effect	effect	NOUN
fsr-3403	265	81	of	of	ADP
fsr-3403	265	82	home	home	NOUN
fsr-3403	265	83	ownership	ownership	NOUN
fsr-3403	265	84	.	.	PUNCT
fsr-3403	266	1	one	one	NUM
fsr-3403	266	2	of	of	ADP
fsr-3403	266	3	the	the	DET
fsr-3403	266	4	explanations	explanation	NOUN
fsr-3403	266	5	could	could	AUX
fsr-3403	266	6	be	be	AUX
fsr-3403	266	7	in	in	ADP
fsr-3403	266	8	line	line	NOUN
fsr-3403	266	9	with	with	ADP
fsr-3403	266	10	the	the	DET
fsr-3403	266	11	argument	argument	NOUN
fsr-3403	266	12	made	make	VERB
fsr-3403	266	13	by	by	ADP
fsr-3403	266	14	brown	brown	NOUN
fsr-3403	266	15	and	and	CCONJ
fsr-3403	266	16	tyler	tyler	NOUN
fsr-3403	266	17	(	(	PUNCT
fsr-3403	266	18	2008	2008	NUM
fsr-3403	266	19	)	)	PUNCT
fsr-3403	266	20	that	that	PRON
fsr-3403	266	21	households	household	VERB
fsr-3403	266	22	with	with	ADP
fsr-3403	266	23	relatively	relatively	ADV
fsr-3403	266	24	more	more	ADV
fsr-3403	266	25	secured	secure	VERB
fsr-3403	266	26	debt	debt	NOUN
fsr-3403	266	27	need	need	VERB
fsr-3403	266	28	higher	high	ADJ
fsr-3403	266	29	expected	expect	VERB
fsr-3403	266	30	returns	return	NOUN
fsr-3403	266	31	from	from	ADP
fsr-3403	266	32	risky	risky	ADJ
fsr-3403	266	33	asset	asset	NOUN
fsr-3403	266	34	to	to	PART
fsr-3403	266	35	pay	pay	VERB
fsr-3403	266	36	for	for	ADP
fsr-3403	266	37	the	the	DET
fsr-3403	266	38	debt	debt	NOUN
fsr-3403	266	39	.	.	PUNCT
fsr-3403	267	1	these	these	DET
fsr-3403	267	2	households	household	NOUN
fsr-3403	267	3	may	may	AUX
fsr-3403	267	4	suffer	suffer	VERB
fsr-3403	267	5	more	more	ADV
fsr-3403	267	6	financial	financial	ADJ
fsr-3403	267	7	distress	distress	NOUN
fsr-3403	267	8	during	during	ADP
fsr-3403	267	9	economic	economic	ADJ
fsr-3403	267	10	down	down	ADJ
fsr-3403	267	11	turns	turn	NOUN
fsr-3403	267	12	because	because	SCONJ
fsr-3403	267	13	financial	financial	ADJ
fsr-3403	267	14	shocks	shock	NOUN
fsr-3403	267	15	are	be	AUX
fsr-3403	267	16	more	more	ADV
fsr-3403	267	17	likely	likely	ADJ
fsr-3403	267	18	to	to	PART
fsr-3403	267	19	cause	cause	VERB
fsr-3403	267	20	immediate	immediate	ADJ
fsr-3403	267	21	financial	financial	ADJ
fsr-3403	267	22	pressure	pressure	NOUN
fsr-3403	267	23	on	on	ADP
fsr-3403	267	24	secured	secured	ADJ
fsr-3403	267	25	debt	debt	NOUN
fsr-3403	267	26	.	.	PUNCT
fsr-3403	268	1	on	on	ADP
fsr-3403	268	2	the	the	DET
fsr-3403	268	3	other	other	ADJ
fsr-3403	268	4	hand	hand	NOUN
fsr-3403	268	5	,	,	PUNCT
fsr-3403	268	6	these	these	DET
fsr-3403	268	7	households	household	NOUN
fsr-3403	268	8	could	could	AUX
fsr-3403	268	9	take	take	VERB
fsr-3403	268	10	advantage	advantage	NOUN
fsr-3403	268	11	of	of	ADP
fsr-3403	268	12	the	the	DET
fsr-3403	268	13	lower	low	ADJ
fsr-3403	268	14	cost	cost	NOUN
fsr-3403	268	15	debt	debt	NOUN
fsr-3403	268	16	in	in	ADP
fsr-3403	268	17	exchange	exchange	NOUN
fsr-3403	268	18	for	for	ADP
fsr-3403	268	19	relatively	relatively	ADV
fsr-3403	268	20	higher	high	ADJ
fsr-3403	268	21	return	return	NOUN
fsr-3403	268	22	assets	asset	NOUN
fsr-3403	268	23	.	.	PUNCT
fsr-3403	269	1	this	this	DET
fsr-3403	269	2	result	result	NOUN
fsr-3403	269	3	also	also	ADV
fsr-3403	269	4	partially	partially	ADV
fsr-3403	269	5	supports	support	VERB
fsr-3403	269	6	beaubrun	beaubrun	ADJ
fsr-3403	269	7	-	-	PUNCT
fsr-3403	269	8	dian	dian	PROPN
fsr-3403	269	9	and	and	CCONJ
fsr-3403	269	10	maury	maury	PROPN
fsr-3403	269	11	(	(	PUNCT
fsr-3403	269	12	2016	2016	NUM
fsr-3403	269	13	)	)	PUNCT
fsr-3403	269	14	’s	’	VERB
fsr-3403	269	15	finding	find	VERB
fsr-3403	269	16	that	that	SCONJ
fsr-3403	269	17	previous	previous	ADJ
fsr-3403	269	18	homeowners	homeowner	NOUN
fsr-3403	269	19	are	be	AUX
fsr-3403	269	20	more	more	ADV
fsr-3403	269	21	likely	likely	ADJ
fsr-3403	269	22	to	to	PART
fsr-3403	269	23	become	become	VERB
fsr-3403	269	24	stockholders	stockholder	NOUN
fsr-3403	269	25	.	.	PUNCT
fsr-3403	270	1	the	the	DET
fsr-3403	270	2	variables	variable	NOUN
fsr-3403	270	3	that	that	PRON
fsr-3403	270	4	are	be	AUX
fsr-3403	270	5	significant	significant	ADJ
fsr-3403	270	6	in	in	ADP
fsr-3403	270	7	both	both	CCONJ
fsr-3403	270	8	the	the	DET
fsr-3403	270	9	participation	participation	NOUN
fsr-3403	270	10	and	and	CCONJ
fsr-3403	270	11	the	the	DET
fsr-3403	270	12	outcome	outcome	NOUN
fsr-3403	270	13	equations	equation	NOUN
fsr-3403	270	14	include	include	VERB
fsr-3403	270	15	“	"	PUNCT
fsr-3403	270	16	education	education	NOUN
fsr-3403	270	17	,	,	PUNCT
fsr-3403	270	18	”	"	PUNCT
fsr-3403	270	19	“	"	PUNCT
fsr-3403	270	20	race	race	NOUN
fsr-3403	270	21	,	,	PUNCT
fsr-3403	270	22	”	"	PUNCT
fsr-3403	270	23	“	"	PUNCT
fsr-3403	270	24	income	income	NOUN
fsr-3403	270	25	,	,	PUNCT
fsr-3403	270	26	”	"	PUNCT
fsr-3403	270	27	“	"	PUNCT
fsr-3403	270	28	risk	risk	NOUN
fsr-3403	270	29	averse	averse	ADJ
fsr-3403	270	30	,	,	PUNCT
fsr-3403	270	31	”	"	PUNCT
fsr-3403	270	32	and	and	CCONJ
fsr-3403	270	33	“	"	PUNCT
fsr-3403	270	34	private	private	ADJ
fsr-3403	270	35	business	business	NOUN
fsr-3403	270	36	.	.	PUNCT
fsr-3403	270	37	”	"	PUNCT
fsr-3403	271	1	better	well	ADV
fsr-3403	271	2	educated	educate	VERB
fsr-3403	271	3	household	household	NOUN
fsr-3403	271	4	heads	head	NOUN
fsr-3403	271	5	,	,	PUNCT
fsr-3403	271	6	or	or	CCONJ
fsr-3403	271	7	households	household	NOUN
fsr-3403	271	8	with	with	ADP
fsr-3403	271	9	higher	high	ADJ
fsr-3403	271	10	annual	annual	ADJ
fsr-3403	271	11	income	income	NOUN
fsr-3403	271	12	are	be	AUX
fsr-3403	271	13	more	more	ADV
fsr-3403	271	14	likely	likely	ADJ
fsr-3403	271	15	to	to	PART
fsr-3403	271	16	invest	invest	VERB
fsr-3403	271	17	in	in	ADP
fsr-3403	271	18	risky	risky	ADJ
fsr-3403	271	19	assets	asset	NOUN
fsr-3403	271	20	,	,	PUNCT
fsr-3403	271	21	and	and	CCONJ
fsr-3403	271	22	are	be	AUX
fsr-3403	271	23	more	more	ADV
fsr-3403	271	24	likely	likely	ADJ
fsr-3403	271	25	to	to	PART
fsr-3403	271	26	hold	hold	VERB
fsr-3403	271	27	a	a	DET
fsr-3403	271	28	larger	large	ADJ
fsr-3403	271	29	proportion	proportion	NOUN
fsr-3403	271	30	of	of	ADP
fsr-3403	271	31	risky	risky	ADJ
fsr-3403	271	32	assets	asset	NOUN
fsr-3403	271	33	in	in	ADP
fsr-3403	271	34	their	their	PRON
fsr-3403	271	35	financial	financial	ADJ
fsr-3403	271	36	portfolios	portfolio	NOUN
fsr-3403	271	37	.	.	PUNCT
fsr-3403	272	1	whites	white	NOUN
fsr-3403	272	2	are	be	AUX
fsr-3403	272	3	more	more	ADV
fsr-3403	272	4	likely	likely	ADJ
fsr-3403	272	5	to	to	PART
fsr-3403	272	6	invest	invest	VERB
fsr-3403	272	7	in	in	ADP
fsr-3403	272	8	risky	risky	ADJ
fsr-3403	272	9	assets	asset	NOUN
fsr-3403	272	10	and	and	CCONJ
fsr-3403	272	11	they	they	PRON
fsr-3403	272	12	tend	tend	VERB
fsr-3403	272	13	to	to	PART
fsr-3403	272	14	invest	invest	VERB
fsr-3403	272	15	5.131	5.131	NUM
fsr-3403	272	16	%	%	NOUN
fsr-3403	272	17	more	more	ADJ
fsr-3403	272	18	in	in	ADP
fsr-3403	272	19	risky	risky	ADJ
fsr-3403	272	20	assets	asset	NOUN
fsr-3403	272	21	than	than	ADP
fsr-3403	272	22	non	non	ADJ
fsr-3403	272	23	-	-	NOUN
fsr-3403	272	24	whites	white	NOUN
fsr-3403	272	25	.	.	PUNCT
fsr-3403	273	1	as	as	SCONJ
fsr-3403	273	2	expected	expect	VERB
fsr-3403	273	3	,	,	PUNCT
fsr-3403	273	4	households	household	NOUN
fsr-3403	273	5	that	that	PRON
fsr-3403	273	6	are	be	AUX
fsr-3403	273	7	more	more	ADJ
fsr-3403	273	8	risk	risk	NOUN
fsr-3403	273	9	averse	averse	ADJ
fsr-3403	273	10	or	or	CCONJ
fsr-3403	273	11	own	own	ADJ
fsr-3403	273	12	private	private	ADJ
fsr-3403	273	13	businesses	business	NOUN
fsr-3403	273	14	are	be	AUX
fsr-3403	273	15	less	less	ADV
fsr-3403	273	16	likely	likely	ADJ
fsr-3403	273	17	to	to	PART
fsr-3403	273	18	invest	invest	VERB
fsr-3403	273	19	in	in	ADP
fsr-3403	273	20	risky	risky	ADJ
fsr-3403	273	21	assets	asset	NOUN
fsr-3403	273	22	,	,	PUNCT
fsr-3403	273	23	and	and	CCONJ
fsr-3403	273	24	if	if	SCONJ
fsr-3403	273	25	they	they	PRON
fsr-3403	273	26	do	do	AUX
fsr-3403	273	27	invest	invest	VERB
fsr-3403	273	28	in	in	ADP
fsr-3403	273	29	risky	risky	ADJ
fsr-3403	273	30	assets	asset	NOUN
fsr-3403	273	31	they	they	PRON
fsr-3403	273	32	tend	tend	VERB
fsr-3403	273	33	to	to	PART
fsr-3403	273	34	hold	hold	VERB
fsr-3403	273	35	relatively	relatively	ADV
fsr-3403	273	36	less	less	ADJ
fsr-3403	273	37	(	(	PUNCT
fsr-3403	273	38	approx	approx	NOUN
fsr-3403	273	39	.	.	PUNCT
fsr-3403	274	1	5.781	5.781	NUM
fsr-3403	274	2	%	%	NOUN
fsr-3403	274	3	)	)	PUNCT
fsr-3403	274	4	risky	risky	ADJ
fsr-3403	274	5	assets	asset	NOUN
fsr-3403	274	6	.	.	PUNCT
fsr-3403	275	1	our	our	PRON
fsr-3403	275	2	result	result	NOUN
fsr-3403	275	3	shows	show	VERB
fsr-3403	275	4	that	that	SCONJ
fsr-3403	275	5	a	a	DET
fsr-3403	275	6	household	household	NOUN
fsr-3403	275	7	owing	owe	VERB
fsr-3403	275	8	a	a	DET
fsr-3403	275	9	private	private	ADJ
fsr-3403	275	10	business	business	NOUN
fsr-3403	275	11	holds	hold	VERB
fsr-3403	275	12	approximately	approximately	ADV
fsr-3403	275	13	5.407	5.407	NUM
fsr-3403	275	14	%	%	NOUN
fsr-3403	275	15	less	less	ADJ
fsr-3403	275	16	in	in	ADP
fsr-3403	275	17	risky	risky	ADJ
fsr-3403	275	18	assets	asset	NOUN
fsr-3403	275	19	shares	share	NOUN
fsr-3403	275	20	than	than	ADP
fsr-3403	275	21	the	the	DET
fsr-3403	275	22	household	household	NOUN
fsr-3403	275	23	without	without	ADP
fsr-3403	275	24	ownership	ownership	NOUN
fsr-3403	275	25	in	in	ADP
fsr-3403	275	26	private	private	ADJ
fsr-3403	275	27	business	business	NOUN
fsr-3403	275	28	.	.	PUNCT
fsr-3403	276	1	this	this	DET
fsr-3403	276	2	evidence	evidence	NOUN
fsr-3403	276	3	supports	support	VERB
fsr-3403	276	4	the	the	DET
fsr-3403	276	5	argument	argument	NOUN
fsr-3403	276	6	that	that	SCONJ
fsr-3403	276	7	private	private	ADJ
fsr-3403	276	8	business	business	NOUN
fsr-3403	276	9	is	be	AUX
fsr-3403	276	10	an	an	DET
fsr-3403	276	11	investment	investment	NOUN
fsr-3403	276	12	substitute	substitute	NOUN
fsr-3403	276	13	as	as	ADP
fsr-3403	276	14	private	private	ADJ
fsr-3403	276	15	business	business	NOUN
fsr-3403	276	16	owners	owner	NOUN
fsr-3403	276	17	are	be	AUX
fsr-3403	276	18	already	already	ADV
fsr-3403	276	19	exposed	expose	VERB
fsr-3403	276	20	to	to	ADP
fsr-3403	276	21	market	market	NOUN
fsr-3403	276	22	risks	risk	NOUN
fsr-3403	276	23	.	.	PUNCT
fsr-3403	277	1	this	this	DET
fsr-3403	277	2	finding	finding	NOUN
fsr-3403	277	3	is	be	AUX
fsr-3403	277	4	consistent	consistent	ADJ
fsr-3403	277	5	with	with	ADP
fsr-3403	277	6	part	part	NOUN
fsr-3403	277	7	of	of	ADP
fsr-3403	277	8	the	the	DET
fsr-3403	277	9	findings	finding	NOUN
fsr-3403	277	10	by	by	ADP
fsr-3403	277	11	faig	faig	NOUN
fsr-3403	277	12	and	and	CCONJ
fsr-3403	277	13	shum	shum	ADJ
fsr-3403	277	14	(	(	PUNCT
fsr-3403	277	15	2002	2002	NUM
fsr-3403	277	16	)	)	PUNCT
fsr-3403	277	17	that	that	PRON
fsr-3403	277	18	households	household	NOUN
fsr-3403	277	19	saving	save	VERB
fsr-3403	277	20	to	to	PART
fsr-3403	277	21	invest	invest	VERB
fsr-3403	277	22	in	in	ADP
fsr-3403	277	23	their	their	PRON
fsr-3403	277	24	own	own	ADJ
fsr-3403	277	25	businesses	business	NOUN
fsr-3403	277	26	have	have	VERB
fsr-3403	277	27	significantly	significantly	ADV
fsr-3403	277	28	safer	safe	ADJ
fsr-3403	277	29	financial	financial	ADJ
fsr-3403	277	30	portfolios	portfolio	NOUN
fsr-3403	277	31	.	.	PUNCT
fsr-3403	278	1	fig	fig	NOUN
fsr-3403	278	2	.	.	PUNCT
fsr-3403	279	1	1	1	X
fsr-3403	279	2	.	.	X
fsr-3403	280	1	distribution	distribution	NOUN
fsr-3403	280	2	of	of	ADP
fsr-3403	280	3	risky	risky	ADJ
fsr-3403	280	4	asset	asset	NOUN
fsr-3403	280	5	allocation	allocation	NOUN
fsr-3403	280	6	.	.	PUNCT
fsr-3403	281	1	337r	337r	NOUN
fsr-3403	281	2	.	.	PUNCT
fsr-3403	282	1	tao	tao	PROPN
fsr-3403	282	2	,	,	PUNCT
fsr-3403	282	3	y.	y.	PROPN
fsr-3403	282	4	yuan	yuan	PROPN
fsr-3403	282	5	/	/	SYM
fsr-3403	282	6	financial	financial	ADJ
fsr-3403	282	7	services	service	NOUN
fsr-3403	282	8	review	review	VERB
fsr-3403	282	9	27	27	NUM
fsr-3403	282	10	(	(	PUNCT
fsr-3403	282	11	2018	2018	NUM
fsr-3403	282	12	)	)	PUNCT
fsr-3403	282	13	325	325	NUM
fsr-3403	282	14	-	-	SYM
fsr-3403	282	15	344	344	NUM
fsr-3403	282	16	while	while	SCONJ
fsr-3403	282	17	the	the	DET
fsr-3403	282	18	above	above	ADJ
fsr-3403	282	19	results	result	NOUN
fsr-3403	282	20	are	be	AUX
fsr-3403	282	21	mostly	mostly	ADV
fsr-3403	282	22	consistent	consistent	ADJ
fsr-3403	282	23	with	with	ADP
fsr-3403	282	24	the	the	DET
fsr-3403	282	25	existing	exist	VERB
fsr-3403	282	26	literature	literature	NOUN
fsr-3403	282	27	,	,	PUNCT
fsr-3403	282	28	we	we	PRON
fsr-3403	282	29	do	do	AUX
fsr-3403	282	30	find	find	VERB
fsr-3403	282	31	new	new	ADJ
fsr-3403	282	32	and	and	CCONJ
fsr-3403	282	33	improved	improved	ADJ
fsr-3403	282	34	evidence	evidence	NOUN
fsr-3403	282	35	.	.	PUNCT
fsr-3403	283	1	our	our	PRON
fsr-3403	283	2	results	result	NOUN
fsr-3403	283	3	suggest	suggest	VERB
fsr-3403	283	4	that	that	SCONJ
fsr-3403	283	5	households	household	NOUN
fsr-3403	283	6	in	in	ADP
fsr-3403	283	7	the	the	DET
fsr-3403	283	8	early	early	ADJ
fsr-3403	283	9	life	life	NOUN
fsr-3403	283	10	cycle	cycle	NOUN
fsr-3403	283	11	(	(	PUNCT
fsr-3403	283	12	with	with	ADP
fsr-3403	283	13	a	a	DET
fsr-3403	283	14	younger	young	ADJ
fsr-3403	283	15	head	head	NOUN
fsr-3403	283	16	less	less	ADJ
fsr-3403	283	17	than	than	ADP
fsr-3403	283	18	35	35	NUM
fsr-3403	283	19	years	year	NOUN
fsr-3403	283	20	old	old	ADJ
fsr-3403	283	21	)	)	PUNCT
fsr-3403	283	22	and	and	CCONJ
fsr-3403	283	23	the	the	DET
fsr-3403	283	24	later	later	ADJ
fsr-3403	283	25	life	life	NOUN
fsr-3403	283	26	cycle	cycle	NOUN
fsr-3403	283	27	(	(	PUNCT
fsr-3403	283	28	retired	retire	VERB
fsr-3403	283	29	)	)	PUNCT
fsr-3403	283	30	are	be	AUX
fsr-3403	283	31	less	less	ADV
fsr-3403	283	32	likely	likely	ADJ
fsr-3403	283	33	to	to	PART
fsr-3403	283	34	participate	participate	VERB
fsr-3403	283	35	in	in	ADP
fsr-3403	283	36	risky	risky	ADJ
fsr-3403	283	37	asset	asset	NOUN
fsr-3403	283	38	investment	investment	NOUN
fsr-3403	283	39	with	with	ADP
fsr-3403	283	40	marginal	marginal	ADJ
fsr-3403	283	41	effects	effect	NOUN
fsr-3403	283	42	of	of	ADP
fsr-3403	283	43	�	�	NOUN
fsr-3403	283	44	10.69	10.69	NUM
fsr-3403	283	45	%	%	NOUN
fsr-3403	283	46	and	and	CCONJ
fsr-3403	283	47	�	�	NOUN
fsr-3403	283	48	8.71%.8	8.71%.8	NUM
fsr-3403	283	49	the	the	DET
fsr-3403	283	50	young	young	PROPN
fsr-3403	283	51	typically	typically	ADV
fsr-3403	283	52	are	be	AUX
fsr-3403	283	53	faced	face	VERB
fsr-3403	283	54	with	with	ADP
fsr-3403	283	55	credit	credit	NOUN
fsr-3403	283	56	constraints	constraint	NOUN
fsr-3403	283	57	and	and	CCONJ
fsr-3403	283	58	with	with	ADP
fsr-3403	283	59	limited	limited	ADJ
fsr-3403	283	60	cash	cash	NOUN
fsr-3403	283	61	,	,	PUNCT
fsr-3403	283	62	while	while	SCONJ
fsr-3403	283	63	the	the	DET
fsr-3403	283	64	retired	retire	VERB
fsr-3403	283	65	are	be	AUX
fsr-3403	283	66	concerned	concern	VERB
fsr-3403	283	67	with	with	ADP
fsr-3403	283	68	the	the	DET
fsr-3403	283	69	easiness	easiness	NOUN
fsr-3403	283	70	that	that	PRON
fsr-3403	283	71	stocks	stock	NOUN
fsr-3403	283	72	can	can	AUX
fsr-3403	283	73	be	be	AUX
fsr-3403	283	74	liquidated	liquidate	VERB
fsr-3403	283	75	.	.	PUNCT
fsr-3403	284	1	furthermore	furthermore	ADV
fsr-3403	284	2	,	,	PUNCT
fsr-3403	284	3	our	our	PRON
fsr-3403	284	4	results	result	NOUN
fsr-3403	284	5	show	show	VERB
fsr-3403	284	6	that	that	SCONJ
fsr-3403	284	7	the	the	DET
fsr-3403	284	8	age	age	NOUN
fsr-3403	284	9	profile	profile	NOUN
fsr-3403	284	10	concerns	concern	VERB
fsr-3403	284	11	the	the	DET
fsr-3403	284	12	decision	decision	NOUN
fsr-3403	284	13	to	to	PART
fsr-3403	284	14	enter	enter	VERB
fsr-3403	284	15	and	and	CCONJ
fsr-3403	284	16	exit	exit	VERB
fsr-3403	284	17	the	the	DET
fsr-3403	284	18	market	market	NOUN
fsr-3403	284	19	for	for	ADP
fsr-3403	284	20	risky	risky	ADJ
fsr-3403	284	21	assets	asset	NOUN
fsr-3403	284	22	,	,	PUNCT
fsr-3403	284	23	not	not	PART
fsr-3403	284	24	managing	manage	VERB
fsr-3403	284	25	the	the	DET
fsr-3403	284	26	portfolio	portfolio	NOUN
fsr-3403	284	27	share	share	NOUN
fsr-3403	284	28	.	.	PUNCT
fsr-3403	285	1	similarly	similarly	ADV
fsr-3403	285	2	,	,	PUNCT
fsr-3403	285	3	“	"	PUNCT
fsr-3403	285	4	turned	turn	VERB
fsr-3403	285	5	down	down	ADP
fsr-3403	285	6	,	,	PUNCT
fsr-3403	285	7	”	"	PUNCT
fsr-3403	285	8	which	which	PRON
fsr-3403	285	9	is	be	AUX
fsr-3403	285	10	used	use	VERB
fsr-3403	285	11	as	as	ADP
fsr-3403	285	12	a	a	DET
fsr-3403	285	13	proxy	proxy	NOUN
fsr-3403	285	14	for	for	ADP
fsr-3403	285	15	the	the	DET
fsr-3403	285	16	household	household	NOUN
fsr-3403	285	17	’s	’s	PART
fsr-3403	285	18	credit	credit	NOUN
fsr-3403	285	19	constraint	constraint	NOUN
fsr-3403	285	20	,	,	PUNCT
fsr-3403	285	21	and	and	CCONJ
fsr-3403	285	22	“	"	PUNCT
fsr-3403	285	23	health	health	NOUN
fsr-3403	285	24	risk	risk	NOUN
fsr-3403	285	25	”	"	PUNCT
fsr-3403	285	26	are	be	AUX
fsr-3403	285	27	also	also	ADV
fsr-3403	285	28	significant	significant	ADJ
fsr-3403	285	29	determinants	determinant	NOUN
fsr-3403	285	30	only	only	ADV
fsr-3403	285	31	in	in	ADP
fsr-3403	285	32	the	the	DET
fsr-3403	285	33	participation	participation	NOUN
fsr-3403	285	34	equation	equation	NOUN
fsr-3403	285	35	.	.	PUNCT
fsr-3403	286	1	higher	high	ADJ
fsr-3403	286	2	health	health	NOUN
fsr-3403	286	3	risk	risk	NOUN
fsr-3403	286	4	reduces	reduce	VERB
fsr-3403	286	5	the	the	DET
fsr-3403	286	6	probability	probability	NOUN
fsr-3403	286	7	to	to	PART
fsr-3403	286	8	invest	invest	VERB
fsr-3403	286	9	in	in	ADP
fsr-3403	286	10	risky	risky	ADJ
fsr-3403	286	11	assets	asset	NOUN
fsr-3403	286	12	by	by	ADP
fsr-3403	286	13	a	a	DET
fsr-3403	286	14	marginal	marginal	ADJ
fsr-3403	286	15	effect	effect	NOUN
fsr-3403	286	16	of	of	ADP
fsr-3403	286	17	5.38	5.38	NUM
fsr-3403	286	18	%	%	NOUN
fsr-3403	286	19	,	,	PUNCT
fsr-3403	286	20	but	but	CCONJ
fsr-3403	286	21	it	it	PRON
fsr-3403	286	22	does	do	AUX
fsr-3403	286	23	not	not	PART
fsr-3403	286	24	significantly	significantly	ADV
fsr-3403	286	25	affect	affect	VERB
fsr-3403	286	26	the	the	DET
fsr-3403	286	27	conditional	conditional	ADJ
fsr-3403	286	28	risky	risky	ADJ
fsr-3403	286	29	asset	asset	NOUN
fsr-3403	286	30	shares	share	NOUN
fsr-3403	286	31	.	.	PUNCT
fsr-3403	287	1	table	table	NOUN
fsr-3403	287	2	2	2	NUM
fsr-3403	287	3	heckman	heckman	PROPN
fsr-3403	287	4	two	two	NUM
fsr-3403	287	5	-	-	PUNCT
fsr-3403	287	6	stage	stage	NOUN
fsr-3403	287	7	selection	selection	NOUN
fsr-3403	287	8	model	model	NOUN
fsr-3403	287	9	explanatory	explanatory	ADJ
fsr-3403	287	10	variables	variable	NOUN
fsr-3403	287	11	(	(	PUNCT
fsr-3403	287	12	1	1	X
fsr-3403	287	13	)	)	PUNCT
fsr-3403	287	14	prob[y	prob[y	PROPN
fsr-3403	287	15	�	�	PROPN
fsr-3403	287	16	0	0	NUM
fsr-3403	287	17	]	]	PUNCT
fsr-3403	287	18	(	(	PUNCT
fsr-3403	287	19	2	2	X
fsr-3403	287	20	)	)	PUNCT
fsr-3403	287	21	y	y	PROPN
fsr-3403	287	22	�	�	PROPN
fsr-3403	287	23	y	y	PROPN
fsr-3403	287	24	�	�	PROPN
fsr-3403	287	25	0	0	PROPN
fsr-3403	287	26	coefficient	coefficient	NOUN
fsr-3403	287	27	standard	standard	ADJ
fsr-3403	287	28	error	error	NOUN
fsr-3403	287	29	coefficient	coefficient	NOUN
fsr-3403	287	30	standard	standard	ADJ
fsr-3403	287	31	error	error	NOUN
fsr-3403	287	32	secured	secure	VERB
fsr-3403	287	33	debt	debt	NOUN
fsr-3403	287	34	ratio	ratio	NOUN
fsr-3403	287	35	0.001	0.001	NUM
fsr-3403	287	36	0.001	0.001	NUM
fsr-3403	287	37	0.040	0.040	NUM
fsr-3403	287	38	*	*	PUNCT
fsr-3403	287	39	*	*	PROPN
fsr-3403	287	40	0.018	0.018	NUM
fsr-3403	287	41	hhsex	hhsex	PROPN
fsr-3403	287	42	�	�	PROPN
fsr-3403	287	43	0.099	0.099	NUM
fsr-3403	287	44	0.061	0.061	NUM
fsr-3403	287	45	3.984	3.984	NUM
fsr-3403	287	46	*	*	NOUN
fsr-3403	287	47	*	*	SYM
fsr-3403	287	48	1.926	1.926	NUM
fsr-3403	287	49	age	age	NOUN
fsr-3403	287	50	�	�	PROPN
fsr-3403	287	51	35	35	NUM
fsr-3403	287	52	�	�	NOUN
fsr-3403	287	53	0.299	0.299	NUM
fsr-3403	287	54	*	*	NOUN
fsr-3403	287	55	*	*	X
fsr-3403	287	56	0.132	0.132	NUM
fsr-3403	287	57	�	�	NOUN
fsr-3403	287	58	4.610	4.610	NUM
fsr-3403	287	59	4.038	4.038	NUM
fsr-3403	287	60	age	age	NOUN
fsr-3403	287	61	35–44	35–44	NUM
fsr-3403	287	62	�	�	PROPN
fsr-3403	287	63	0.071	0.071	NUM
fsr-3403	287	64	0.132	0.132	NUM
fsr-3403	287	65	0.826	0.826	NUM
fsr-3403	287	66	3.590	3.590	NUM
fsr-3403	287	67	age	age	NOUN
fsr-3403	287	68	45–54	45–54	NUM
fsr-3403	287	69	0.006	0.006	NUM
fsr-3403	287	70	0.127	0.127	NUM
fsr-3403	287	71	3.347	3.347	NUM
fsr-3403	287	72	3.484	3.484	NUM
fsr-3403	287	73	age	age	NOUN
fsr-3403	287	74	55–64	55–64	NUM
fsr-3403	287	75	0.078	0.078	NUM
fsr-3403	287	76	0.120	0.120	NUM
fsr-3403	287	77	0.602	0.602	NUM
fsr-3403	287	78	3.405	3.405	NUM
fsr-3403	287	79	age	age	NOUN
fsr-3403	287	80	65–74	65–74	NUM
fsr-3403	287	81	0.043	0.043	NUM
fsr-3403	287	82	0.117	0.117	NUM
fsr-3403	287	83	�	�	PROPN
fsr-3403	287	84	4.286	4.286	NUM
fsr-3403	287	85	3.328	3.328	NUM
fsr-3403	287	86	education	education	NOUN
fsr-3403	287	87	0.165	0.165	NUM
fsr-3403	287	88	*	*	PUNCT
fsr-3403	287	89	*	*	PUNCT
fsr-3403	287	90	*	*	PUNCT
fsr-3403	287	91	0.027	0.027	NUM
fsr-3403	287	92	2.769	2.769	NUM
fsr-3403	287	93	*	*	PUNCT
fsr-3403	287	94	*	*	PUNCT
fsr-3403	288	1	*	*	X
fsr-3403	288	2	0.941	0.941	NUM
fsr-3403	288	3	kids	kid	NOUN
fsr-3403	288	4	�	�	PROPN
fsr-3403	288	5	0.023	0.023	NUM
fsr-3403	288	6	0.023	0.023	NUM
fsr-3403	288	7	�	�	PROPN
fsr-3403	288	8	0.710	0.710	NUM
fsr-3403	288	9	0.619	0.619	NUM
fsr-3403	288	10	race	race	NOUN
fsr-3403	288	11	0.348	0.348	NUM
fsr-3403	288	12	*	*	PUNCT
fsr-3403	288	13	*	*	PUNCT
fsr-3403	288	14	*	*	PUNCT
fsr-3403	288	15	0.051	0.051	NUM
fsr-3403	288	16	5.131	5.131	NUM
fsr-3403	288	17	*	*	PUNCT
fsr-3403	288	18	*	*	PUNCT
fsr-3403	288	19	*	*	PUNCT
fsr-3403	288	20	1.759	1.759	NUM
fsr-3403	288	21	retired	retire	VERB
fsr-3403	288	22	�	�	NOUN
fsr-3403	288	23	0.246	0.246	NUM
fsr-3403	288	24	*	*	PUNCT
fsr-3403	288	25	*	*	PUNCT
fsr-3403	288	26	*	*	PUNCT
fsr-3403	288	27	0.081	0.081	NUM
fsr-3403	288	28	0.482	0.482	NUM
fsr-3403	288	29	2.260	2.260	NUM
fsr-3403	288	30	ln(income	ln(income	PROPN
fsr-3403	288	31	)	)	PUNCT
fsr-3403	288	32	0.693	0.693	NUM
fsr-3403	288	33	*	*	PUNCT
fsr-3403	288	34	*	*	PUNCT
fsr-3403	288	35	*	*	PUNCT
fsr-3403	288	36	0.048	0.048	NUM
fsr-3403	288	37	6.613	6.613	NUM
fsr-3403	288	38	*	*	PUNCT
fsr-3403	288	39	*	*	PUNCT
fsr-3403	288	40	*	*	PUNCT
fsr-3403	288	41	1.791	1.791	NUM
fsr-3403	288	42	ln(checking	ln(checke	VERB
fsr-3403	288	43	)	)	PUNCT
fsr-3403	288	44	0.028	0.028	NUM
fsr-3403	288	45	*	*	PUNCT
fsr-3403	288	46	*	*	PUNCT
fsr-3403	288	47	*	*	PUNCT
fsr-3403	288	48	0.006	0.006	NUM
fsr-3403	288	49	�	�	NOUN
fsr-3403	288	50	0.609	0.609	NOUN
fsr-3403	288	51	*	*	PUNCT
fsr-3403	288	52	*	*	PUNCT
fsr-3403	288	53	*	*	X
fsr-3403	288	54	0.153	0.153	NUM
fsr-3403	288	55	ln(saving	ln(saving	NOUN
fsr-3403	288	56	)	)	PUNCT
fsr-3403	288	57	0.032	0.032	NUM
fsr-3403	288	58	*	*	PUNCT
fsr-3403	288	59	*	*	PUNCT
fsr-3403	288	60	*	*	PUNCT
fsr-3403	288	61	0.010	0.010	NUM
fsr-3403	288	62	�	�	NOUN
fsr-3403	288	63	0.447	0.447	NUM
fsr-3403	288	64	*	*	SYM
fsr-3403	288	65	0.258	0.258	NUM
fsr-3403	288	66	net	net	NOUN
fsr-3403	288	67	worth	worth	ADJ
fsr-3403	288	68	0.000	0.000	NUM
fsr-3403	288	69	0.000	0.000	NUM
fsr-3403	288	70	0.001	0.001	NUM
fsr-3403	288	71	*	*	PUNCT
fsr-3403	288	72	*	*	PUNCT
fsr-3403	288	73	*	*	PUNCT
fsr-3403	288	74	0.000	0.000	NUM
fsr-3403	288	75	risk	risk	NOUN
fsr-3403	288	76	aversion	aversion	NOUN
fsr-3403	288	77	�	�	NOUN
fsr-3403	288	78	0.251	0.251	NOUN
fsr-3403	288	79	*	*	PUNCT
fsr-3403	288	80	*	*	PUNCT
fsr-3403	288	81	*	*	X
fsr-3403	288	82	0.030	0.030	NUM
fsr-3403	288	83	�	�	PROPN
fsr-3403	288	84	5.781	5.781	NUM
fsr-3403	288	85	*	*	PUNCT
fsr-3403	288	86	*	*	PUNCT
fsr-3403	288	87	*	*	PUNCT
fsr-3403	288	88	1.016	1.016	NUM
fsr-3403	288	89	turned	turn	VERB
fsr-3403	288	90	down	down	ADP
fsr-3403	288	91	�	�	PROPN
fsr-3403	288	92	0.142	0.142	NUM
fsr-3403	288	93	*	*	NOUN
fsr-3403	288	94	*	*	PROPN
fsr-3403	288	95	0.062	0.062	NUM
fsr-3403	288	96	�	�	PROPN
fsr-3403	288	97	3.023	3.023	NUM
fsr-3403	288	98	1.974	1.974	NUM
fsr-3403	288	99	late	late	ADJ
fsr-3403	288	100	pay	pay	NOUN
fsr-3403	288	101	�	�	PROPN
fsr-3403	288	102	0.022	0.022	NUM
fsr-3403	288	103	0.066	0.066	NUM
fsr-3403	288	104	�	�	PROPN
fsr-3403	288	105	1.924	1.924	NUM
fsr-3403	288	106	2.103	2.103	NUM
fsr-3403	288	107	high	high	ADJ
fsr-3403	288	108	expense	expense	NOUN
fsr-3403	288	109	�	�	PROPN
fsr-3403	288	110	0.007	0.007	NUM
fsr-3403	288	111	0.055	0.055	NUM
fsr-3403	288	112	0.145	0.145	NUM
fsr-3403	288	113	1.701	1.701	NUM
fsr-3403	288	114	committed	committed	ADJ
fsr-3403	288	115	expense	expense	NOUN
fsr-3403	288	116	0.172	0.172	NUM
fsr-3403	288	117	0.197	0.197	NUM
fsr-3403	288	118	1.990	1.990	NUM
fsr-3403	288	119	5.900	5.900	NUM
fsr-3403	288	120	private	private	ADJ
fsr-3403	288	121	business	business	NOUN
fsr-3403	288	122	�	�	NOUN
fsr-3403	288	123	0.261	0.261	NUM
fsr-3403	288	124	*	*	PUNCT
fsr-3403	288	125	*	*	PUNCT
fsr-3403	288	126	*	*	X
fsr-3403	288	127	0.069	0.069	NUM
fsr-3403	288	128	�	�	PROPN
fsr-3403	288	129	5.407	5.407	NUM
fsr-3403	288	130	*	*	PUNCT
fsr-3403	288	131	*	*	PUNCT
fsr-3403	288	132	*	*	PUNCT
fsr-3403	288	133	1.967	1.967	NUM
fsr-3403	288	134	liq	liq	NOUN
fsr-3403	288	135	con	con	PROPN
fsr-3403	288	136	�	�	PROPN
fsr-3403	288	137	0.016	0.016	NUM
fsr-3403	288	138	0.022	0.022	NUM
fsr-3403	288	139	�	�	PROPN
fsr-3403	288	140	0.813	0.813	NUM
fsr-3403	288	141	0.744	0.744	NUM
fsr-3403	288	142	loc	loc	NOUN
fsr-3403	288	143	0.000	0.000	NUM
fsr-3403	288	144	0.000	0.000	NUM
fsr-3403	288	145	0.000	0.000	NUM
fsr-3403	288	146	0.003	0.003	NUM
fsr-3403	288	147	liq	liq	NOUN
fsr-3403	288	148	0.000	0.000	NUM
fsr-3403	288	149	0.000	0.000	NUM
fsr-3403	288	150	�	�	PROPN
fsr-3403	288	151	0.008	0.008	NUM
fsr-3403	288	152	*	*	NOUN
fsr-3403	288	153	*	*	PROPN
fsr-3403	288	154	0.003	0.003	NUM
fsr-3403	288	155	health	health	NOUN
fsr-3403	288	156	risk	risk	NOUN
fsr-3403	288	157	�	�	NOUN
fsr-3403	288	158	0.154	0.154	NUM
fsr-3403	288	159	*	*	PUNCT
fsr-3403	288	160	*	*	PUNCT
fsr-3403	288	161	*	*	PUNCT
fsr-3403	288	162	0.055	0.055	NUM
fsr-3403	288	163	�	�	PROPN
fsr-3403	288	164	0.881	0.881	NUM
fsr-3403	288	165	1.996	1.996	NUM
fsr-3403	288	166	constant	constant	ADJ
fsr-3403	288	167	�	�	NOUN
fsr-3403	288	168	7.329	7.329	NUM
fsr-3403	288	169	*	*	PUNCT
fsr-3403	288	170	*	*	PUNCT
fsr-3403	288	171	*	*	PUNCT
fsr-3403	288	172	0.509	0.509	NUM
fsr-3403	288	173	�	�	PROPN
fsr-3403	288	174	31.277	31.277	NUM
fsr-3403	288	175	23.287	23.287	NUM
fsr-3403	288	176	inverse	inverse	NOUN
fsr-3403	288	177	mills	mill	NOUN
fsr-3403	288	178	ratio	ratio	NOUN
fsr-3403	288	179	14.787	14.787	NUM
fsr-3403	288	180	*	*	SYM
fsr-3403	288	181	*	*	NOUN
fsr-3403	288	182	6.056	6.056	NUM
fsr-3403	288	183	notes	note	NOUN
fsr-3403	288	184	:	:	PUNCT
fsr-3403	288	185	*	*	PUNCT
fsr-3403	288	186	*	*	PUNCT
fsr-3403	288	187	*	*	PUNCT
fsr-3403	288	188	,	,	PUNCT
fsr-3403	288	189	*	*	PUNCT
fsr-3403	288	190	*	*	PUNCT
fsr-3403	288	191	,	,	PUNCT
fsr-3403	288	192	and	and	CCONJ
fsr-3403	288	193	*	*	PUNCT
fsr-3403	288	194	indicate	indicate	VERB
fsr-3403	288	195	significance	significance	NOUN
fsr-3403	288	196	at	at	ADP
fsr-3403	288	197	1	1	NUM
fsr-3403	288	198	%	%	NOUN
fsr-3403	288	199	,	,	PUNCT
fsr-3403	288	200	5	5	NUM
fsr-3403	288	201	%	%	NOUN
fsr-3403	288	202	,	,	PUNCT
fsr-3403	288	203	and	and	CCONJ
fsr-3403	288	204	10	10	NUM
fsr-3403	288	205	%	%	NOUN
fsr-3403	288	206	level	level	NOUN
fsr-3403	288	207	,	,	PUNCT
fsr-3403	288	208	respectively	respectively	ADV
fsr-3403	288	209	.	.	PUNCT
fsr-3403	289	1	(	(	PUNCT
fsr-3403	289	2	1	1	X
fsr-3403	289	3	)	)	PUNCT
fsr-3403	289	4	this	this	DET
fsr-3403	289	5	table	table	NOUN
fsr-3403	289	6	shows	show	VERB
fsr-3403	289	7	the	the	DET
fsr-3403	289	8	two	two	NUM
fsr-3403	289	9	-	-	PUNCT
fsr-3403	289	10	stage	stage	NOUN
fsr-3403	289	11	heckman	heckman	PROPN
fsr-3403	289	12	regression	regression	PROPN
fsr-3403	289	13	results	result	VERB
fsr-3403	289	14	.	.	PUNCT
fsr-3403	290	1	the	the	DET
fsr-3403	290	2	column	column	NOUN
fsr-3403	290	3	1	1	NUM
fsr-3403	290	4	is	be	AUX
fsr-3403	290	5	the	the	DET
fsr-3403	290	6	first	first	ADJ
fsr-3403	290	7	-	-	PUNCT
fsr-3403	290	8	stage	stage	NOUN
fsr-3403	290	9	participation	participation	NOUN
fsr-3403	290	10	equation	equation	NOUN
fsr-3403	290	11	results	result	NOUN
fsr-3403	290	12	,	,	PUNCT
fsr-3403	290	13	in	in	ADP
fsr-3403	290	14	which	which	PRON
fsr-3403	290	15	the	the	DET
fsr-3403	290	16	dependent	dependent	ADJ
fsr-3403	290	17	variable	variable	NOUN
fsr-3403	290	18	equals	equal	VERB
fsr-3403	290	19	one	one	NUM
fsr-3403	290	20	if	if	SCONJ
fsr-3403	290	21	the	the	DET
fsr-3403	290	22	respondent	respondent	NOUN
fsr-3403	290	23	reports	report	VERB
fsr-3403	290	24	ownership	ownership	NOUN
fsr-3403	290	25	of	of	ADP
fsr-3403	290	26	any	any	DET
fsr-3403	290	27	risky	risky	ADJ
fsr-3403	290	28	financial	financial	ADJ
fsr-3403	290	29	assets	asset	NOUN
fsr-3403	290	30	.	.	PUNCT
fsr-3403	291	1	the	the	DET
fsr-3403	291	2	column	column	NOUN
fsr-3403	291	3	2	2	NUM
fsr-3403	291	4	is	be	AUX
fsr-3403	291	5	the	the	DET
fsr-3403	291	6	second	second	ADJ
fsr-3403	291	7	-	-	PUNCT
fsr-3403	291	8	stage	stage	NOUN
fsr-3403	291	9	outcome	outcome	NOUN
fsr-3403	291	10	equation	equation	NOUN
fsr-3403	291	11	results	result	NOUN
fsr-3403	291	12	,	,	PUNCT
fsr-3403	291	13	in	in	ADP
fsr-3403	291	14	which	which	PRON
fsr-3403	291	15	the	the	DET
fsr-3403	291	16	dependent	dependent	ADJ
fsr-3403	291	17	variable	variable	NOUN
fsr-3403	291	18	is	be	AUX
fsr-3403	291	19	the	the	DET
fsr-3403	291	20	percentage	percentage	NOUN
fsr-3403	291	21	of	of	ADP
fsr-3403	291	22	financial	financial	ADJ
fsr-3403	291	23	assets	asset	NOUN
fsr-3403	291	24	invested	invest	VERB
fsr-3403	291	25	in	in	ADP
fsr-3403	291	26	risky	risky	ADJ
fsr-3403	291	27	assets	asset	NOUN
fsr-3403	291	28	.	.	PUNCT
fsr-3403	292	1	the	the	DET
fsr-3403	292	2	number	number	NOUN
fsr-3403	292	3	of	of	ADP
fsr-3403	292	4	observations	observation	NOUN
fsr-3403	292	5	is	be	AUX
fsr-3403	292	6	4,049	4,049	NUM
fsr-3403	292	7	.	.	PUNCT
fsr-3403	293	1	(	(	PUNCT
fsr-3403	293	2	2	2	NUM
fsr-3403	293	3	)	)	PUNCT
fsr-3403	293	4	because	because	SCONJ
fsr-3403	293	5	the	the	DET
fsr-3403	293	6	data	data	NOUN
fsr-3403	293	7	is	be	AUX
fsr-3403	293	8	imputed	impute	VERB
fsr-3403	293	9	,	,	PUNCT
fsr-3403	293	10	rubin	rubin	PROPN
fsr-3403	293	11	’s	’s	PART
fsr-3403	293	12	combination	combination	NOUN
fsr-3403	293	13	rule	rule	NOUN
fsr-3403	293	14	(	(	PUNCT
fsr-3403	293	15	rubin	rubin	PROPN
fsr-3403	293	16	,	,	PUNCT
fsr-3403	293	17	1987	1987	NUM
fsr-3403	293	18	)	)	PUNCT
fsr-3403	293	19	is	be	AUX
fsr-3403	293	20	applied	apply	VERB
fsr-3403	293	21	to	to	ADP
fsr-3403	293	22	the	the	DET
fsr-3403	293	23	estimated	estimate	VERB
fsr-3403	293	24	coefficients	coefficient	NOUN
fsr-3403	293	25	.	.	PUNCT
fsr-3403	294	1	the	the	DET
fsr-3403	294	2	standard	standard	ADJ
fsr-3403	294	3	errors	error	NOUN
fsr-3403	294	4	are	be	AUX
fsr-3403	294	5	also	also	ADV
fsr-3403	294	6	adjusted	adjust	VERB
fsr-3403	294	7	accordingly	accordingly	ADV
fsr-3403	294	8	to	to	PART
fsr-3403	294	9	generate	generate	VERB
fsr-3403	294	10	the	the	DET
fsr-3403	294	11	correct	correct	ADJ
fsr-3403	294	12	inference	inference	NOUN
fsr-3403	294	13	.	.	PUNCT
fsr-3403	295	1	338	338	NUM
fsr-3403	295	2	r.	r.	PROPN
fsr-3403	295	3	tao	tao	PROPN
fsr-3403	295	4	,	,	PUNCT
fsr-3403	295	5	y.	y.	PROPN
fsr-3403	295	6	yuan	yuan	PROPN
fsr-3403	295	7	/	/	SYM
fsr-3403	295	8	financial	financial	ADJ
fsr-3403	295	9	services	service	NOUN
fsr-3403	295	10	review	review	VERB
fsr-3403	295	11	27	27	NUM
fsr-3403	295	12	(	(	PUNCT
fsr-3403	295	13	2018	2018	NUM
fsr-3403	295	14	)	)	PUNCT
fsr-3403	295	15	325	325	NUM
fsr-3403	295	16	-	-	SYM
fsr-3403	295	17	344	344	NUM
fsr-3403	295	18	gender	gender	NOUN
fsr-3403	295	19	of	of	ADP
fsr-3403	295	20	household	household	NOUN
fsr-3403	295	21	head	head	NOUN
fsr-3403	295	22	and	and	CCONJ
fsr-3403	295	23	net	net	ADJ
fsr-3403	295	24	worth	worth	NOUN
fsr-3403	295	25	are	be	AUX
fsr-3403	295	26	only	only	ADV
fsr-3403	295	27	significant	significant	ADJ
fsr-3403	295	28	in	in	ADP
fsr-3403	295	29	the	the	DET
fsr-3403	295	30	outcome	outcome	NOUN
fsr-3403	295	31	equation	equation	NOUN
fsr-3403	295	32	.	.	PUNCT
fsr-3403	296	1	male	male	NOUN
fsr-3403	296	2	-	-	PUNCT
fsr-3403	296	3	headed	head	VERB
fsr-3403	296	4	households	household	NOUN
fsr-3403	296	5	tend	tend	VERB
fsr-3403	296	6	to	to	PART
fsr-3403	296	7	invest	invest	VERB
fsr-3403	296	8	3.984	3.984	NUM
fsr-3403	296	9	%	%	NOUN
fsr-3403	296	10	more	more	ADJ
fsr-3403	296	11	in	in	ADP
fsr-3403	296	12	risky	risky	ADJ
fsr-3403	296	13	assets	asset	NOUN
fsr-3403	296	14	,	,	PUNCT
fsr-3403	296	15	which	which	PRON
fsr-3403	296	16	is	be	AUX
fsr-3403	296	17	consistent	consistent	ADJ
fsr-3403	296	18	with	with	ADP
fsr-3403	296	19	the	the	DET
fsr-3403	296	20	evidence	evidence	NOUN
fsr-3403	296	21	presented	present	VERB
fsr-3403	296	22	in	in	ADP
fsr-3403	296	23	the	the	DET
fsr-3403	296	24	existing	exist	VERB
fsr-3403	296	25	literature	literature	NOUN
fsr-3403	296	26	.	.	PUNCT
fsr-3403	297	1	however	however	ADV
fsr-3403	297	2	,	,	PUNCT
fsr-3403	297	3	they	they	PRON
fsr-3403	297	4	are	be	AUX
fsr-3403	297	5	not	not	PART
fsr-3403	297	6	more	more	ADV
fsr-3403	297	7	likely	likely	ADJ
fsr-3403	297	8	to	to	PART
fsr-3403	297	9	invest	invest	VERB
fsr-3403	297	10	in	in	ADP
fsr-3403	297	11	risky	risky	ADJ
fsr-3403	297	12	assets	asset	NOUN
fsr-3403	297	13	than	than	ADP
fsr-3403	297	14	female	female	NOUN
fsr-3403	297	15	-	-	PUNCT
fsr-3403	297	16	headed	head	VERB
fsr-3403	297	17	households	household	NOUN
fsr-3403	297	18	.	.	PUNCT
fsr-3403	298	1	households	household	NOUN
fsr-3403	298	2	with	with	ADP
fsr-3403	298	3	higher	high	ADJ
fsr-3403	298	4	net	net	ADJ
fsr-3403	298	5	worth	worth	NOUN
fsr-3403	298	6	invest	invest	VERB
fsr-3403	298	7	relatively	relatively	ADV
fsr-3403	298	8	more	more	ADV
fsr-3403	298	9	in	in	ADP
fsr-3403	298	10	risky	risky	ADJ
fsr-3403	298	11	asset	asset	NOUN
fsr-3403	298	12	(	(	PUNCT
fsr-3403	298	13	they	they	PRON
fsr-3403	298	14	can	can	AUX
fsr-3403	298	15	tolerate	tolerate	VERB
fsr-3403	298	16	the	the	DET
fsr-3403	298	17	risk	risk	NOUN
fsr-3403	298	18	better	well	ADV
fsr-3403	298	19	than	than	ADP
fsr-3403	298	20	low	low	ADJ
fsr-3403	298	21	net	net	ADJ
fsr-3403	298	22	worth	worth	ADJ
fsr-3403	298	23	households	household	NOUN
fsr-3403	298	24	)	)	PUNCT
fsr-3403	298	25	,	,	PUNCT
fsr-3403	298	26	but	but	CCONJ
fsr-3403	298	27	net	net	ADJ
fsr-3403	298	28	worth	worth	NOUN
fsr-3403	298	29	is	be	AUX
fsr-3403	298	30	not	not	PART
fsr-3403	298	31	a	a	DET
fsr-3403	298	32	significant	significant	ADJ
fsr-3403	298	33	predictor	predictor	NOUN
fsr-3403	298	34	of	of	ADP
fsr-3403	298	35	the	the	DET
fsr-3403	298	36	decision	decision	NOUN
fsr-3403	298	37	to	to	PART
fsr-3403	298	38	invest	invest	VERB
fsr-3403	298	39	in	in	ADP
fsr-3403	298	40	any	any	DET
fsr-3403	298	41	risky	risky	ADJ
fsr-3403	298	42	asset	asset	NOUN
fsr-3403	298	43	in	in	ADP
fsr-3403	298	44	the	the	DET
fsr-3403	298	45	first	first	ADJ
fsr-3403	298	46	place	place	NOUN
fsr-3403	298	47	.	.	PUNCT
fsr-3403	299	1	this	this	DET
fsr-3403	299	2	result	result	NOUN
fsr-3403	299	3	contradicts	contradict	VERB
fsr-3403	299	4	the	the	DET
fsr-3403	299	5	classical	classical	ADJ
fsr-3403	299	6	prediction	prediction	NOUN
fsr-3403	299	7	that	that	SCONJ
fsr-3403	299	8	,	,	PUNCT
fsr-3403	299	9	after	after	ADP
fsr-3403	299	10	controlling	control	VERB
fsr-3403	299	11	for	for	ADP
fsr-3403	299	12	risk	risk	NOUN
fsr-3403	299	13	attitude	attitude	NOUN
fsr-3403	299	14	,	,	PUNCT
fsr-3403	299	15	the	the	DET
fsr-3403	299	16	portfolio	portfolio	NOUN
fsr-3403	299	17	share	share	NOUN
fsr-3403	299	18	of	of	ADP
fsr-3403	299	19	risky	risky	ADJ
fsr-3403	299	20	assets	asset	NOUN
fsr-3403	299	21	,	,	PUNCT
fsr-3403	299	22	conditional	conditional	ADJ
fsr-3403	299	23	on	on	ADP
fsr-3403	299	24	holding	hold	VERB
fsr-3403	299	25	it	it	PRON
fsr-3403	299	26	,	,	PUNCT
fsr-3403	299	27	should	should	AUX
fsr-3403	299	28	be	be	AUX
fsr-3403	299	29	independent	independent	ADJ
fsr-3403	299	30	of	of	ADP
fsr-3403	299	31	the	the	DET
fsr-3403	299	32	level	level	NOUN
fsr-3403	299	33	of	of	ADP
fsr-3403	299	34	wealth	wealth	NOUN
fsr-3403	299	35	(	(	PUNCT
fsr-3403	299	36	guiso	guiso	PROPN
fsr-3403	299	37	et	et	PROPN
fsr-3403	299	38	al	al	PROPN
fsr-3403	299	39	.	.	PROPN
fsr-3403	299	40	,	,	PUNCT
fsr-3403	299	41	2002	2002	NUM
fsr-3403	299	42	)	)	PUNCT
fsr-3403	299	43	.	.	PUNCT
fsr-3403	300	1	now	now	ADV
fsr-3403	300	2	turning	turn	VERB
fsr-3403	300	3	to	to	ADP
fsr-3403	300	4	the	the	DET
fsr-3403	300	5	liquidity	liquidity	NOUN
fsr-3403	300	6	constraint	constraint	NOUN
fsr-3403	300	7	measures	measure	NOUN
fsr-3403	300	8	(	(	PUNCT
fsr-3403	300	9	“	"	PUNCT
fsr-3403	300	10	liq	liq	NOUN
fsr-3403	300	11	,	,	PUNCT
fsr-3403	300	12	”	"	PUNCT
fsr-3403	300	13	“	"	PUNCT
fsr-3403	300	14	liq	liq	NOUN
fsr-3403	300	15	con	con	NOUN
fsr-3403	300	16	,	,	PUNCT
fsr-3403	300	17	”	"	PUNCT
fsr-3403	300	18	“	"	PUNCT
fsr-3403	300	19	committed	committed	ADJ
fsr-3403	300	20	expense	expense	NOUN
fsr-3403	300	21	,	,	PUNCT
fsr-3403	300	22	”	"	PUNCT
fsr-3403	300	23	“	"	PUNCT
fsr-3403	300	24	high	high	ADJ
fsr-3403	300	25	expense	expense	NOUN
fsr-3403	300	26	,	,	PUNCT
fsr-3403	300	27	”	"	PUNCT
fsr-3403	300	28	“	"	PUNCT
fsr-3403	300	29	loc	loc	X
fsr-3403	300	30	”	"	PUNCT
fsr-3403	300	31	)	)	PUNCT
fsr-3403	300	32	,	,	PUNCT
fsr-3403	300	33	only	only	ADV
fsr-3403	300	34	“	"	PUNCT
fsr-3403	300	35	liq	liq	NOUN
fsr-3403	300	36	”	"	PUNCT
fsr-3403	300	37	has	have	VERB
fsr-3403	300	38	a	a	DET
fsr-3403	300	39	significant	significant	ADJ
fsr-3403	300	40	negative	negative	ADJ
fsr-3403	300	41	coefficient	coefficient	NOUN
fsr-3403	300	42	in	in	ADP
fsr-3403	300	43	the	the	DET
fsr-3403	300	44	outcome	outcome	NOUN
fsr-3403	300	45	equation	equation	NOUN
fsr-3403	300	46	.	.	PUNCT
fsr-3403	301	1	contrary	contrary	ADJ
fsr-3403	301	2	to	to	ADP
fsr-3403	301	3	the	the	DET
fsr-3403	301	4	findings	finding	NOUN
fsr-3403	301	5	of	of	ADP
fsr-3403	301	6	previous	previous	ADJ
fsr-3403	301	7	studies	study	NOUN
fsr-3403	301	8	on	on	ADP
fsr-3403	301	9	the	the	DET
fsr-3403	301	10	committed	committed	ADJ
fsr-3403	301	11	expense	expense	NOUN
fsr-3403	301	12	risks	risk	NOUN
fsr-3403	301	13	,	,	PUNCT
fsr-3403	301	14	our	our	PRON
fsr-3403	301	15	result	result	NOUN
fsr-3403	301	16	suggests	suggest	VERB
fsr-3403	301	17	that	that	SCONJ
fsr-3403	301	18	committed	commit	VERB
fsr-3403	301	19	expenses	expense	NOUN
fsr-3403	301	20	neither	neither	CCONJ
fsr-3403	301	21	affect	affect	VERB
fsr-3403	301	22	the	the	DET
fsr-3403	301	23	participation	participation	NOUN
fsr-3403	301	24	nor	nor	CCONJ
fsr-3403	301	25	the	the	DET
fsr-3403	301	26	conditional	conditional	ADJ
fsr-3403	301	27	risky	risky	ADJ
fsr-3403	301	28	asset	asset	NOUN
fsr-3403	301	29	shares	share	NOUN
fsr-3403	301	30	.	.	PUNCT
fsr-3403	302	1	another	another	DET
fsr-3403	302	2	key	key	ADJ
fsr-3403	302	3	finding	finding	NOUN
fsr-3403	302	4	is	be	AUX
fsr-3403	302	5	that	that	SCONJ
fsr-3403	302	6	households	household	NOUN
fsr-3403	302	7	with	with	ADP
fsr-3403	302	8	higher	high	ADJ
fsr-3403	302	9	saving	saving	NOUN
fsr-3403	302	10	and	and	CCONJ
fsr-3403	302	11	checking	check	VERB
fsr-3403	302	12	account	account	NOUN
fsr-3403	302	13	balances	balance	NOUN
fsr-3403	302	14	are	be	AUX
fsr-3403	302	15	more	more	ADV
fsr-3403	302	16	likely	likely	ADJ
fsr-3403	302	17	to	to	PART
fsr-3403	302	18	enter	enter	VERB
fsr-3403	302	19	the	the	DET
fsr-3403	302	20	market	market	NOUN
fsr-3403	302	21	for	for	ADP
fsr-3403	302	22	risky	risky	ADJ
fsr-3403	302	23	assets	asset	NOUN
fsr-3403	302	24	,	,	PUNCT
fsr-3403	302	25	but	but	CCONJ
fsr-3403	302	26	for	for	ADP
fsr-3403	302	27	those	those	PRON
fsr-3403	302	28	already	already	ADV
fsr-3403	302	29	investing	invest	VERB
fsr-3403	302	30	in	in	ADP
fsr-3403	302	31	risky	risky	ADJ
fsr-3403	302	32	asset	asset	NOUN
fsr-3403	302	33	,	,	PUNCT
fsr-3403	302	34	households	household	NOUN
fsr-3403	302	35	with	with	ADP
fsr-3403	302	36	more	more	ADJ
fsr-3403	302	37	cash	cash	NOUN
fsr-3403	302	38	on	on	ADP
fsr-3403	302	39	hand	hand	NOUN
fsr-3403	302	40	tend	tend	VERB
fsr-3403	302	41	to	to	PART
fsr-3403	302	42	invest	invest	VERB
fsr-3403	302	43	less	less	ADJ
fsr-3403	302	44	in	in	ADP
fsr-3403	302	45	risky	risky	ADJ
fsr-3403	302	46	assets	asset	NOUN
fsr-3403	302	47	.	.	PUNCT
fsr-3403	303	1	5.2	5.2	NUM
fsr-3403	303	2	.	.	PUNCT
fsr-3403	303	3	testing	test	VERB
fsr-3403	303	4	the	the	DET
fsr-3403	303	5	joint	joint	ADJ
fsr-3403	303	6	decision	decision	NOUN
fsr-3403	303	7	of	of	ADP
fsr-3403	303	8	asset	asset	NOUN
fsr-3403	303	9	and	and	CCONJ
fsr-3403	303	10	debt	debt	NOUN
fsr-3403	303	11	allocations	allocation	NOUN
fsr-3403	303	12	we	we	PRON
fsr-3403	303	13	apply	apply	VERB
fsr-3403	303	14	a	a	DET
fsr-3403	303	15	bivariate	bivariate	ADJ
fsr-3403	303	16	tobit	tobit	NOUN
fsr-3403	303	17	model	model	NOUN
fsr-3403	303	18	,	,	PUNCT
fsr-3403	303	19	which	which	PRON
fsr-3403	303	20	allows	allow	VERB
fsr-3403	303	21	the	the	DET
fsr-3403	303	22	potential	potential	ADJ
fsr-3403	303	23	simultaneity	simultaneity	NOUN
fsr-3403	303	24	in	in	ADP
fsr-3403	303	25	the	the	DET
fsr-3403	303	26	decision	decision	NOUN
fsr-3403	303	27	of	of	ADP
fsr-3403	303	28	households	household	NOUN
fsr-3403	303	29	to	to	PART
fsr-3403	303	30	hold	hold	VERB
fsr-3403	303	31	risky	risky	ADJ
fsr-3403	303	32	assets	asset	NOUN
fsr-3403	303	33	and	and	CCONJ
fsr-3403	303	34	to	to	PART
fsr-3403	303	35	hold	hold	VERB
fsr-3403	303	36	secured	secured	ADJ
fsr-3403	303	37	debt	debt	NOUN
fsr-3403	303	38	(	(	PUNCT
fsr-3403	303	39	see	see	VERB
fsr-3403	303	40	eqs	eqs	PROPN
fsr-3403	303	41	.	.	PROPN
fsr-3403	303	42	15	15	NUM
fsr-3403	303	43	and	and	CCONJ
fsr-3403	303	44	16	16	NUM
fsr-3403	303	45	)	)	PUNCT
fsr-3403	303	46	.	.	PUNCT
fsr-3403	304	1	both	both	CCONJ
fsr-3403	304	2	the	the	DET
fsr-3403	304	3	univariate	univariate	ADJ
fsr-3403	304	4	and	and	CCONJ
fsr-3403	304	5	bivariate	bivariate	ADJ
fsr-3403	304	6	tobit	tobit	NOUN
fsr-3403	304	7	models	model	NOUN
fsr-3403	304	8	are	be	AUX
fsr-3403	304	9	estimated	estimate	VERB
fsr-3403	304	10	for	for	ADP
fsr-3403	304	11	comparison	comparison	NOUN
fsr-3403	304	12	and	and	CCONJ
fsr-3403	304	13	as	as	ADP
fsr-3403	304	14	robustness	robustness	NOUN
fsr-3403	304	15	check	check	NOUN
fsr-3403	304	16	.	.	PUNCT
fsr-3403	305	1	tables	table	NOUN
fsr-3403	305	2	3a	3a	NUM
fsr-3403	305	3	and	and	CCONJ
fsr-3403	305	4	3b	3b	NOUN
fsr-3403	305	5	show	show	VERB
fsr-3403	305	6	the	the	DET
fsr-3403	305	7	results	result	NOUN
fsr-3403	305	8	.	.	PUNCT
fsr-3403	306	1	the	the	DET
fsr-3403	306	2	interdependence	interdependence	NOUN
fsr-3403	306	3	of	of	ADP
fsr-3403	306	4	the	the	DET
fsr-3403	306	5	two	two	NUM
fsr-3403	306	6	dependent	dependent	ADJ
fsr-3403	306	7	variables	variable	NOUN
fsr-3403	306	8	is	be	AUX
fsr-3403	306	9	tested	test	VERB
fsr-3403	306	10	by	by	ADP
fsr-3403	306	11	the	the	DET
fsr-3403	306	12	likelihood	likelihood	NOUN
fsr-3403	306	13	ratio	ratio	NOUN
fsr-3403	306	14	test	test	NOUN
fsr-3403	306	15	on	on	ADP
fsr-3403	306	16	the	the	DET
fsr-3403	306	17	correlation	correlation	NOUN
fsr-3403	306	18	coefficient-	coefficient-	NOUN
fsr-3403	306	19	�	�	PROPN
fsr-3403	306	20	defined	define	VERB
fsr-3403	306	21	in	in	ADP
fsr-3403	306	22	eq	eq	ADP
fsr-3403	306	23	.	.	PUNCT
fsr-3403	307	1	(	(	PUNCT
fsr-3403	307	2	20	20	NUM
fsr-3403	307	3	)	)	PUNCT
fsr-3403	307	4	.	.	PUNCT
fsr-3403	308	1	�	�	PROPN
fsr-3403	308	2	is	be	AUX
fsr-3403	308	3	constrained	constrain	VERB
fsr-3403	308	4	at	at	ADP
fsr-3403	308	5	zero	zero	NUM
fsr-3403	308	6	in	in	ADP
fsr-3403	308	7	the	the	DET
fsr-3403	308	8	univariate	univariate	ADJ
fsr-3403	308	9	case	case	NOUN
fsr-3403	308	10	.	.	PUNCT
fsr-3403	309	1	the	the	DET
fsr-3403	309	2	likelihood	likelihood	PROPN
fsr-3403	309	3	ratio	ratio	NOUN
fsr-3403	309	4	test	test	NOUN
fsr-3403	309	5	statistic	statistic	PROPN
fsr-3403	309	6	follows	follow	VERB
fsr-3403	309	7	asymptotically	asymptotically	ADV
fsr-3403	309	8	a	a	DET
fsr-3403	309	9	�	�	NOUN
fsr-3403	309	10	2	2	NUM
fsr-3403	309	11	distribution	distribution	NOUN
fsr-3403	309	12	with	with	ADP
fsr-3403	309	13	one	one	NUM
fsr-3403	309	14	degree	degree	NOUN
fsr-3403	309	15	of	of	ADP
fsr-3403	309	16	freedom	freedom	NOUN
fsr-3403	309	17	under	under	ADP
fsr-3403	309	18	the	the	DET
fsr-3403	309	19	null	null	ADJ
fsr-3403	309	20	hypothesis	hypothesis	NOUN
fsr-3403	309	21	that	that	SCONJ
fsr-3403	309	22	there	there	PRON
fsr-3403	309	23	is	be	VERB
fsr-3403	309	24	no	no	DET
fsr-3403	309	25	interdependence	interdependence	NOUN
fsr-3403	309	26	in	in	ADP
fsr-3403	309	27	the	the	DET
fsr-3403	309	28	data	data	NOUN
fsr-3403	309	29	,	,	PUNCT
fsr-3403	309	30	�	�	PROPN
fsr-3403	309	31	�	�	PROPN
fsr-3403	309	32	0	0	NUM
fsr-3403	309	33	.	.	PUNCT
fsr-3403	310	1	the	the	DET
fsr-3403	310	2	test	test	NOUN
fsr-3403	310	3	statistic	statistic	NOUN
fsr-3403	310	4	is	be	AUX
fsr-3403	310	5	large	large	ADJ
fsr-3403	310	6	enough	enough	ADV
fsr-3403	310	7	to	to	PART
fsr-3403	310	8	reject	reject	VERB
fsr-3403	310	9	the	the	DET
fsr-3403	310	10	null	null	ADJ
fsr-3403	310	11	hypothesis	hypothesis	NOUN
fsr-3403	310	12	at	at	ADP
fsr-3403	310	13	the	the	DET
fsr-3403	310	14	1	1	NUM
fsr-3403	310	15	%	%	NOUN
fsr-3403	310	16	level	level	NOUN
fsr-3403	310	17	.	.	PUNCT
fsr-3403	311	1	therefore	therefore	ADV
fsr-3403	311	2	,	,	PUNCT
fsr-3403	311	3	the	the	DET
fsr-3403	311	4	simultaneous	simultaneous	ADJ
fsr-3403	311	5	equation	equation	NOUN
fsr-3403	311	6	bivariate	bivariate	ADJ
fsr-3403	311	7	tobit	tobit	NOUN
fsr-3403	311	8	model	model	NOUN
fsr-3403	311	9	used	use	VERB
fsr-3403	311	10	here	here	ADV
fsr-3403	311	11	is	be	AUX
fsr-3403	311	12	appropriate	appropriate	ADJ
fsr-3403	311	13	to	to	PART
fsr-3403	311	14	analyze	analyze	VERB
fsr-3403	311	15	the	the	DET
fsr-3403	311	16	two	two	NUM
fsr-3403	311	17	decisions	decision	NOUN
fsr-3403	311	18	.	.	PUNCT
fsr-3403	312	1	the	the	DET
fsr-3403	312	2	share	share	NOUN
fsr-3403	312	3	of	of	ADP
fsr-3403	312	4	risky	risky	ADJ
fsr-3403	312	5	asset	asset	NOUN
fsr-3403	312	6	and	and	CCONJ
fsr-3403	312	7	the	the	DET
fsr-3403	312	8	share	share	NOUN
fsr-3403	312	9	of	of	ADP
fsr-3403	312	10	secured	secured	ADJ
fsr-3403	312	11	debt	debt	NOUN
fsr-3403	312	12	are	be	AUX
fsr-3403	312	13	likely	likely	ADJ
fsr-3403	312	14	to	to	PART
fsr-3403	312	15	be	be	AUX
fsr-3403	312	16	jointly	jointly	ADV
fsr-3403	312	17	determined	determine	VERB
fsr-3403	312	18	by	by	ADP
fsr-3403	312	19	the	the	DET
fsr-3403	312	20	households	household	NOUN
fsr-3403	312	21	.	.	PUNCT
fsr-3403	313	1	by	by	ADP
fsr-3403	313	2	taking	take	VERB
fsr-3403	313	3	the	the	DET
fsr-3403	313	4	potential	potential	ADJ
fsr-3403	313	5	simultaneity	simultaneity	NOUN
fsr-3403	313	6	into	into	ADP
fsr-3403	313	7	consideration	consideration	NOUN
fsr-3403	313	8	,	,	PUNCT
fsr-3403	313	9	our	our	PRON
fsr-3403	313	10	bivariate	bivariate	ADJ
fsr-3403	313	11	model	model	NOUN
fsr-3403	313	12	provides	provide	VERB
fsr-3403	313	13	further	further	ADJ
fsr-3403	313	14	evidence	evidence	NOUN
fsr-3403	313	15	.	.	PUNCT
fsr-3403	314	1	compared	compare	VERB
fsr-3403	314	2	with	with	ADP
fsr-3403	314	3	the	the	DET
fsr-3403	314	4	coefficients	coefficient	NOUN
fsr-3403	314	5	from	from	ADP
fsr-3403	314	6	the	the	DET
fsr-3403	314	7	univariate	univariate	ADJ
fsr-3403	314	8	tobit	tobit	NOUN
fsr-3403	314	9	model	model	NOUN
fsr-3403	314	10	,	,	PUNCT
fsr-3403	314	11	“	"	PUNCT
fsr-3403	314	12	age	age	NOUN
fsr-3403	314	13	�	�	PROPN
fsr-3403	314	14	35	35	NUM
fsr-3403	314	15	,	,	PUNCT
fsr-3403	314	16	”	"	PUNCT
fsr-3403	314	17	the	the	DET
fsr-3403	314	18	number	number	NOUN
fsr-3403	314	19	of	of	ADP
fsr-3403	314	20	kids	kid	NOUN
fsr-3403	314	21	,	,	PUNCT
fsr-3403	314	22	“	"	PUNCT
fsr-3403	314	23	retired	retire	VERB
fsr-3403	314	24	,	,	PUNCT
fsr-3403	314	25	”	"	PUNCT
fsr-3403	314	26	health	health	NOUN
fsr-3403	314	27	risk	risk	NOUN
fsr-3403	314	28	,	,	PUNCT
fsr-3403	314	29	“	"	PUNCT
fsr-3403	314	30	turned	turn	VERB
fsr-3403	314	31	down	down	ADP
fsr-3403	314	32	,	,	PUNCT
fsr-3403	314	33	”	"	PUNCT
fsr-3403	314	34	and	and	CCONJ
fsr-3403	314	35	“	"	PUNCT
fsr-3403	314	36	committed	committed	ADJ
fsr-3403	314	37	expense	expense	NOUN
fsr-3403	314	38	”	"	PUNCT
fsr-3403	314	39	become	become	VERB
fsr-3403	314	40	significant	significant	ADJ
fsr-3403	314	41	predictors	predictor	NOUN
fsr-3403	314	42	of	of	ADP
fsr-3403	314	43	unconditional	unconditional	ADJ
fsr-3403	314	44	risky	risky	ADJ
fsr-3403	314	45	asset	asset	NOUN
fsr-3403	314	46	holding	hold	VERB
fsr-3403	314	47	in	in	ADP
fsr-3403	314	48	the	the	DET
fsr-3403	314	49	bivariate	bivariate	ADJ
fsr-3403	314	50	model	model	NOUN
fsr-3403	314	51	,	,	PUNCT
fsr-3403	314	52	while	while	SCONJ
fsr-3403	314	53	the	the	DET
fsr-3403	314	54	coefficients	coefficient	NOUN
fsr-3403	314	55	of	of	ADP
fsr-3403	314	56	gender	gender	NOUN
fsr-3403	314	57	of	of	ADP
fsr-3403	314	58	household	household	NOUN
fsr-3403	314	59	head	head	NOUN
fsr-3403	314	60	and	and	CCONJ
fsr-3403	314	61	net	net	ADJ
fsr-3403	314	62	worth	worth	NOUN
fsr-3403	314	63	become	become	VERB
fsr-3403	314	64	insignificant	insignificant	ADJ
fsr-3403	314	65	.	.	PUNCT
fsr-3403	315	1	for	for	ADP
fsr-3403	315	2	example	example	NOUN
fsr-3403	315	3	,	,	PUNCT
fsr-3403	315	4	the	the	DET
fsr-3403	315	5	retired	retire	VERB
fsr-3403	315	6	turns	turn	VERB
fsr-3403	315	7	to	to	PART
fsr-3403	315	8	invest	invest	VERB
fsr-3403	315	9	5.23	5.23	NUM
fsr-3403	315	10	%	%	NOUN
fsr-3403	315	11	less	less	ADJ
fsr-3403	315	12	and	and	CCONJ
fsr-3403	315	13	poor	poor	ADJ
fsr-3403	315	14	health	health	NOUN
fsr-3403	315	15	people	people	NOUN
fsr-3403	315	16	invest	invest	VERB
fsr-3403	315	17	4.108	4.108	NUM
fsr-3403	315	18	%	%	NOUN
fsr-3403	315	19	less	less	ADJ
fsr-3403	315	20	in	in	ADP
fsr-3403	315	21	risky	risky	ADJ
fsr-3403	315	22	assets	asset	NOUN
fsr-3403	315	23	.	.	PUNCT
fsr-3403	316	1	checking	check	VERB
fsr-3403	316	2	account	account	NOUN
fsr-3403	316	3	balance	balance	NOUN
fsr-3403	316	4	has	have	VERB
fsr-3403	316	5	a	a	DET
fsr-3403	316	6	positive	positive	ADJ
fsr-3403	316	7	and	and	CCONJ
fsr-3403	316	8	significant	significant	ADJ
fsr-3403	316	9	coefficient	coefficient	NOUN
fsr-3403	316	10	of	of	ADP
fsr-3403	316	11	0.598	0.598	NUM
fsr-3403	316	12	for	for	ADP
fsr-3403	316	13	secured	secured	ADJ
fsr-3403	316	14	debt	debt	NOUN
fsr-3403	316	15	share	share	NOUN
fsr-3403	316	16	.	.	PUNCT
fsr-3403	317	1	it	it	PRON
fsr-3403	317	2	has	have	VERB
fsr-3403	317	3	no	no	DET
fsr-3403	317	4	impact	impact	NOUN
fsr-3403	317	5	on	on	ADP
fsr-3403	317	6	the	the	DET
fsr-3403	317	7	risky	risky	ADJ
fsr-3403	317	8	asset	asset	NOUN
fsr-3403	317	9	share	share	NOUN
fsr-3403	317	10	as	as	SCONJ
fsr-3403	317	11	opposed	oppose	VERB
fsr-3403	317	12	to	to	ADP
fsr-3403	317	13	the	the	DET
fsr-3403	317	14	significant	significant	ADJ
fsr-3403	317	15	negative	negative	ADJ
fsr-3403	317	16	coefficient	coefficient	NOUN
fsr-3403	317	17	(	(	PUNCT
fsr-3403	317	18	�	�	NOUN
fsr-3403	317	19	0.609	0.609	NUM
fsr-3403	317	20	)	)	PUNCT
fsr-3403	317	21	in	in	ADP
fsr-3403	317	22	the	the	DET
fsr-3403	317	23	univariate	univariate	ADJ
fsr-3403	317	24	case	case	NOUN
fsr-3403	317	25	.	.	PUNCT
fsr-3403	318	1	contrary	contrary	ADJ
fsr-3403	318	2	to	to	ADP
fsr-3403	318	3	the	the	DET
fsr-3403	318	4	evidence	evidence	NOUN
fsr-3403	318	5	provided	provide	VERB
fsr-3403	318	6	in	in	ADP
fsr-3403	318	7	the	the	DET
fsr-3403	318	8	literature	literature	NOUN
fsr-3403	318	9	,	,	PUNCT
fsr-3403	318	10	our	our	PRON
fsr-3403	318	11	bivariate	bivariate	ADJ
fsr-3403	318	12	model	model	NOUN
fsr-3403	318	13	results	result	NOUN
fsr-3403	318	14	show	show	VERB
fsr-3403	318	15	that	that	SCONJ
fsr-3403	318	16	one	one	NUM
fsr-3403	318	17	percentage	percentage	NOUN
fsr-3403	318	18	higher	high	ADJ
fsr-3403	318	19	monthly	monthly	ADJ
fsr-3403	318	20	committed	committed	ADJ
fsr-3403	318	21	expenses	expense	NOUN
fsr-3403	318	22	to	to	ADP
fsr-3403	318	23	monthly	monthly	ADJ
fsr-3403	318	24	income	income	NOUN
fsr-3403	318	25	ratio	ratio	NOUN
fsr-3403	318	26	leads	lead	VERB
fsr-3403	318	27	to	to	ADP
fsr-3403	318	28	a	a	DET
fsr-3403	318	29	0.129	0.129	NUM
fsr-3403	318	30	%	%	NOUN
fsr-3403	318	31	larger	large	ADJ
fsr-3403	318	32	share	share	NOUN
fsr-3403	318	33	of	of	ADP
fsr-3403	318	34	financial	financial	ADJ
fsr-3403	318	35	asset	asset	NOUN
fsr-3403	318	36	allocated	allocate	VERB
fsr-3403	318	37	to	to	ADP
fsr-3403	318	38	risky	risky	ADJ
fsr-3403	318	39	assets	asset	NOUN
fsr-3403	318	40	.	.	PUNCT
fsr-3403	319	1	this	this	PRON
fsr-3403	319	2	can	can	AUX
fsr-3403	319	3	be	be	AUX
fsr-3403	319	4	explained	explain	VERB
fsr-3403	319	5	by	by	ADP
fsr-3403	319	6	the	the	DET
fsr-3403	319	7	fact	fact	NOUN
fsr-3403	319	8	that	that	SCONJ
fsr-3403	319	9	higher	high	ADJ
fsr-3403	319	10	debt	debt	NOUN
fsr-3403	319	11	obligations	obligation	NOUN
fsr-3403	319	12	push	push	VERB
fsr-3403	319	13	the	the	DET
fsr-3403	319	14	household	household	NOUN
fsr-3403	319	15	to	to	PART
fsr-3403	319	16	seek	seek	VERB
fsr-3403	319	17	higher	high	ADJ
fsr-3403	319	18	return	return	NOUN
fsr-3403	319	19	investment	investment	NOUN
fsr-3403	319	20	opportunities	opportunity	NOUN
fsr-3403	319	21	.	.	PUNCT
fsr-3403	320	1	339r	339r	NUM
fsr-3403	320	2	.	.	PUNCT
fsr-3403	321	1	tao	tao	PROPN
fsr-3403	321	2	,	,	PUNCT
fsr-3403	321	3	y.	y.	PROPN
fsr-3403	321	4	yuan	yuan	PROPN
fsr-3403	321	5	/	/	SYM
fsr-3403	321	6	financial	financial	ADJ
fsr-3403	321	7	services	service	NOUN
fsr-3403	321	8	review	review	VERB
fsr-3403	321	9	27	27	NUM
fsr-3403	321	10	(	(	PUNCT
fsr-3403	321	11	2018	2018	NUM
fsr-3403	321	12	)	)	PUNCT
fsr-3403	321	13	325	325	NUM
fsr-3403	321	14	-	-	SYM
fsr-3403	321	15	344	344	NUM
fsr-3403	321	16	our	our	PRON
fsr-3403	321	17	results	result	NOUN
fsr-3403	321	18	identify	identify	VERB
fsr-3403	321	19	the	the	DET
fsr-3403	321	20	types	type	NOUN
fsr-3403	321	21	of	of	ADP
fsr-3403	321	22	households	household	NOUN
fsr-3403	321	23	that	that	PRON
fsr-3403	321	24	typically	typically	ADV
fsr-3403	321	25	hold	hold	VERB
fsr-3403	321	26	relatively	relatively	ADV
fsr-3403	321	27	more	more	ADV
fsr-3403	321	28	secured	secured	ADJ
fsr-3403	321	29	debt	debt	NOUN
fsr-3403	321	30	and	and	CCONJ
fsr-3403	321	31	more	more	ADV
fsr-3403	321	32	risky	risky	ADJ
fsr-3403	321	33	assets	asset	NOUN
fsr-3403	321	34	.	.	PUNCT
fsr-3403	322	1	these	these	DET
fsr-3403	322	2	households	household	NOUN
fsr-3403	322	3	earn	earn	VERB
fsr-3403	322	4	higher	high	ADJ
fsr-3403	322	5	income	income	NOUN
fsr-3403	322	6	,	,	PUNCT
fsr-3403	322	7	have	have	VERB
fsr-3403	322	8	a	a	DET
fsr-3403	322	9	white	white	ADJ
fsr-3403	322	10	head	head	NOUN
fsr-3403	322	11	of	of	ADP
fsr-3403	322	12	household	household	NOUN
fsr-3403	322	13	,	,	PUNCT
fsr-3403	322	14	have	have	VERB
fsr-3403	322	15	higher	high	ADJ
fsr-3403	322	16	committed	committed	ADJ
fsr-3403	322	17	expenses	expense	NOUN
fsr-3403	322	18	ratio	ratio	NOUN
fsr-3403	322	19	,	,	PUNCT
fsr-3403	322	20	or	or	CCONJ
fsr-3403	322	21	are	be	AUX
fsr-3403	322	22	less	less	ADJ
fsr-3403	322	23	credit	credit	NOUN
fsr-3403	322	24	constrained	constrain	VERB
fsr-3403	322	25	(	(	PUNCT
fsr-3403	322	26	did	do	AUX
fsr-3403	322	27	not	not	PART
fsr-3403	322	28	fear	fear	VERB
fsr-3403	322	29	denial	denial	NOUN
fsr-3403	322	30	or	or	CCONJ
fsr-3403	322	31	was	be	AUX
fsr-3403	322	32	not	not	PART
fsr-3403	322	33	turned	turn	VERB
fsr-3403	322	34	down	down	ADP
fsr-3403	322	35	for	for	ADP
fsr-3403	322	36	credit	credit	NOUN
fsr-3403	322	37	)	)	PUNCT
fsr-3403	322	38	.	.	PUNCT
fsr-3403	323	1	higher	high	ADJ
fsr-3403	323	2	income	income	NOUN
fsr-3403	323	3	households	household	NOUN
fsr-3403	323	4	may	may	AUX
fsr-3403	323	5	better	well	ADV
fsr-3403	323	6	take	take	VERB
fsr-3403	323	7	advantage	advantage	NOUN
fsr-3403	323	8	of	of	ADP
fsr-3403	323	9	lower	low	ADJ
fsr-3403	323	10	interest	interest	NOUN
fsr-3403	323	11	rate	rate	NOUN
fsr-3403	323	12	on	on	ADP
fsr-3403	323	13	secured	secured	ADJ
fsr-3403	323	14	debt	debt	NOUN
fsr-3403	323	15	and	and	CCONJ
fsr-3403	323	16	exploit	exploit	VERB
fsr-3403	323	17	the	the	DET
fsr-3403	323	18	wealth	wealth	NOUN
fsr-3403	323	19	-	-	PUNCT
fsr-3403	323	20	generating	generate	VERB
fsr-3403	323	21	potential	potential	NOUN
fsr-3403	323	22	of	of	ADP
fsr-3403	323	23	the	the	DET
fsr-3403	323	24	equity	equity	NOUN
fsr-3403	323	25	premium	premium	NOUN
fsr-3403	323	26	.	.	PUNCT
fsr-3403	324	1	the	the	DET
fsr-3403	324	2	types	type	NOUN
fsr-3403	324	3	of	of	ADP
fsr-3403	324	4	households	household	NOUN
fsr-3403	324	5	that	that	PRON
fsr-3403	324	6	hold	hold	VERB
fsr-3403	324	7	relatively	relatively	ADV
fsr-3403	324	8	less	less	ADV
fsr-3403	324	9	secured	secured	ADJ
fsr-3403	324	10	debt	debt	NOUN
fsr-3403	324	11	and	and	CCONJ
fsr-3403	324	12	less	less	ADV
fsr-3403	324	13	risky	risky	ADJ
fsr-3403	324	14	assets	asset	NOUN
fsr-3403	324	15	are	be	AUX
fsr-3403	324	16	the	the	DET
fsr-3403	324	17	younger	young	ADJ
fsr-3403	324	18	households	household	NOUN
fsr-3403	324	19	(	(	PUNCT
fsr-3403	324	20	�	�	NOUN
fsr-3403	324	21	35	35	NUM
fsr-3403	324	22	years	year	NOUN
fsr-3403	324	23	old	old	ADJ
fsr-3403	324	24	)	)	PUNCT
fsr-3403	324	25	,	,	PUNCT
fsr-3403	324	26	or	or	CCONJ
fsr-3403	324	27	owning	own	VERB
fsr-3403	324	28	a	a	DET
fsr-3403	324	29	private	private	ADJ
fsr-3403	324	30	business	business	NOUN
fsr-3403	324	31	,	,	PUNCT
fsr-3403	324	32	which	which	PRON
fsr-3403	324	33	is	be	AUX
fsr-3403	324	34	consistent	consistent	ADJ
fsr-3403	324	35	with	with	ADP
fsr-3403	324	36	the	the	DET
fsr-3403	324	37	findings	finding	NOUN
fsr-3403	324	38	from	from	ADP
fsr-3403	324	39	the	the	DET
fsr-3403	324	40	existing	exist	VERB
fsr-3403	324	41	literature	literature	NOUN
fsr-3403	324	42	.	.	PUNCT
fsr-3403	325	1	the	the	DET
fsr-3403	325	2	younger	young	ADJ
fsr-3403	325	3	households	household	NOUN
fsr-3403	325	4	tend	tend	VERB
fsr-3403	325	5	to	to	PART
fsr-3403	325	6	hold	hold	VERB
fsr-3403	325	7	10.381	10.381	NUM
fsr-3403	325	8	%	%	NOUN
fsr-3403	325	9	less	less	ADJ
fsr-3403	325	10	on	on	ADP
fsr-3403	325	11	risky	risky	ADJ
fsr-3403	325	12	asset	asset	NOUN
fsr-3403	325	13	and	and	CCONJ
fsr-3403	325	14	10.572	10.572	NUM
fsr-3403	325	15	%	%	NOUN
fsr-3403	325	16	less	less	ADJ
fsr-3403	325	17	on	on	ADP
fsr-3403	325	18	secured	secured	ADJ
fsr-3403	325	19	debt	debt	NOUN
fsr-3403	325	20	.	.	PUNCT
fsr-3403	326	1	the	the	DET
fsr-3403	326	2	households	household	NOUN
fsr-3403	326	3	owning	own	VERB
fsr-3403	326	4	a	a	DET
fsr-3403	326	5	private	private	ADJ
fsr-3403	326	6	business	business	NOUN
fsr-3403	326	7	hold	hold	VERB
fsr-3403	326	8	9.034	9.034	NUM
fsr-3403	326	9	%	%	NOUN
fsr-3403	326	10	less	less	ADV
fsr-3403	326	11	risky	risky	ADJ
fsr-3403	326	12	asset	asset	NOUN
fsr-3403	326	13	as	as	ADV
fsr-3403	326	14	well	well	ADV
fsr-3403	326	15	as	as	ADP
fsr-3403	326	16	5.504	5.504	NUM
fsr-3403	326	17	%	%	NOUN
fsr-3403	326	18	less	less	ADJ
fsr-3403	326	19	secured	secured	ADJ
fsr-3403	326	20	debt	debt	NOUN
fsr-3403	326	21	.	.	PUNCT
fsr-3403	327	1	well	well	ADV
fsr-3403	327	2	educated	educate	VERB
fsr-3403	327	3	or	or	CCONJ
fsr-3403	327	4	higher	high	ADJ
fsr-3403	327	5	net	net	ADJ
fsr-3403	327	6	worth	worth	ADJ
fsr-3403	327	7	households	household	NOUN
fsr-3403	327	8	tend	tend	VERB
fsr-3403	327	9	to	to	PART
fsr-3403	327	10	have	have	VERB
fsr-3403	327	11	relatively	relatively	ADV
fsr-3403	327	12	5.304	5.304	NUM
fsr-3403	327	13	%	%	NOUN
fsr-3403	327	14	more	more	ADJ
fsr-3403	327	15	risky	risky	ADJ
fsr-3403	327	16	assets	asset	NOUN
fsr-3403	327	17	but	but	CCONJ
fsr-3403	327	18	4.915	4.915	NUM
fsr-3403	327	19	%	%	NOUN
fsr-3403	327	20	less	less	ADJ
fsr-3403	327	21	secured	secured	ADJ
fsr-3403	327	22	debt	debt	NOUN
fsr-3403	327	23	.	.	PUNCT
fsr-3403	328	1	“	"	PUNCT
fsr-3403	328	2	retired	retire	VERB
fsr-3403	328	3	,	,	PUNCT
fsr-3403	328	4	”	"	PUNCT
fsr-3403	328	5	“	"	PUNCT
fsr-3403	328	6	health	health	NOUN
fsr-3403	328	7	risk	risk	NOUN
fsr-3403	328	8	,	,	PUNCT
fsr-3403	328	9	”	"	PUNCT
fsr-3403	328	10	“	"	PUNCT
fsr-3403	328	11	risk	risk	NOUN
fsr-3403	328	12	averse	averse	ADJ
fsr-3403	328	13	,	,	PUNCT
fsr-3403	328	14	”	"	PUNCT
fsr-3403	328	15	family	family	NOUN
fsr-3403	328	16	size	size	NOUN
fsr-3403	328	17	,	,	PUNCT
fsr-3403	328	18	checking	check	VERB
fsr-3403	328	19	account	account	NOUN
fsr-3403	328	20	balances	balance	NOUN
fsr-3403	328	21	and	and	CCONJ
fsr-3403	328	22	total	total	ADJ
fsr-3403	328	23	liquid	liquid	ADJ
fsr-3403	328	24	assets	asset	NOUN
fsr-3403	328	25	(	(	PUNCT
fsr-3403	328	26	liq	liq	NOUN
fsr-3403	328	27	)	)	PUNCT
fsr-3403	328	28	are	be	AUX
fsr-3403	328	29	significant	significant	ADJ
fsr-3403	328	30	predictors	predictor	NOUN
fsr-3403	328	31	for	for	ADP
fsr-3403	328	32	the	the	DET
fsr-3403	328	33	share	share	NOUN
fsr-3403	328	34	of	of	ADP
fsr-3403	328	35	risky	risky	ADJ
fsr-3403	328	36	assets	asset	NOUN
fsr-3403	328	37	,	,	PUNCT
fsr-3403	328	38	but	but	CCONJ
fsr-3403	328	39	not	not	PART
fsr-3403	328	40	for	for	ADP
fsr-3403	328	41	the	the	DET
fsr-3403	328	42	debt	debt	NOUN
fsr-3403	328	43	table	table	NOUN
fsr-3403	328	44	3	3	NUM
fsr-3403	328	45	a	a	DET
fsr-3403	328	46	estimation	estimation	NOUN
fsr-3403	328	47	results	result	NOUN
fsr-3403	328	48	of	of	ADP
fsr-3403	328	49	univariate	univariate	ADJ
fsr-3403	328	50	tobit	tobit	NOUN
fsr-3403	328	51	model	model	NOUN
fsr-3403	328	52	explanatory	explanatory	ADJ
fsr-3403	328	53	variables	variable	NOUN
fsr-3403	328	54	(	(	PUNCT
fsr-3403	328	55	1	1	X
fsr-3403	328	56	)	)	PUNCT
fsr-3403	328	57	risky	risky	ADJ
fsr-3403	328	58	asset	asset	NOUN
fsr-3403	328	59	ratio	ratio	NOUN
fsr-3403	328	60	(	(	PUNCT
fsr-3403	328	61	2	2	NUM
fsr-3403	328	62	)	)	PUNCT
fsr-3403	328	63	secured	secured	ADJ
fsr-3403	328	64	debt	debt	NOUN
fsr-3403	328	65	ratio	ratio	NOUN
fsr-3403	328	66	coefficient	coefficient	NOUN
fsr-3403	328	67	standard	standard	ADJ
fsr-3403	328	68	error	error	NOUN
fsr-3403	328	69	coefficient	coefficient	NOUN
fsr-3403	328	70	standard	standard	ADJ
fsr-3403	328	71	error	error	NOUN
fsr-3403	328	72	hhsex	hhsex	NOUN
fsr-3403	328	73	2.243	2.243	NUM
fsr-3403	328	74	2.046	2.046	NUM
fsr-3403	328	75	7.515	7.515	NUM
fsr-3403	328	76	*	*	PUNCT
fsr-3403	328	77	*	*	PUNCT
fsr-3403	328	78	*	*	SYM
fsr-3403	328	79	1.935	1.935	NUM
fsr-3403	328	80	age	age	NOUN
fsr-3403	328	81	�	�	PROPN
fsr-3403	328	82	35	35	NUM
fsr-3403	328	83	�	�	PROPN
fsr-3403	328	84	10.377	10.377	NUM
fsr-3403	328	85	*	*	NOUN
fsr-3403	328	86	*	*	X
fsr-3403	328	87	4.058	4.058	NUM
fsr-3403	328	88	�	�	NOUN
fsr-3403	328	89	10.537	10.537	NUM
fsr-3403	328	90	*	*	NOUN
fsr-3403	328	91	*	*	NOUN
fsr-3403	328	92	4.130	4.130	NUM
fsr-3403	328	93	age	age	NOUN
fsr-3403	328	94	35–44	35–44	NUM
fsr-3403	328	95	�	�	PROPN
fsr-3403	328	96	2.232	2.232	NUM
fsr-3403	328	97	3.918	3.918	NUM
fsr-3403	328	98	�	�	NOUN
fsr-3403	328	99	5.454	5.454	NUM
fsr-3403	328	100	4.040	4.040	NUM
fsr-3403	328	101	age	age	NOUN
fsr-3403	328	102	45–54	45–54	NUM
fsr-3403	328	103	1.042	1.042	NUM
fsr-3403	328	104	3.766	3.766	NUM
fsr-3403	328	105	�	�	NOUN
fsr-3403	328	106	2.711	2.711	NUM
fsr-3403	328	107	3.884	3.884	NUM
fsr-3403	328	108	age	age	NOUN
fsr-3403	328	109	55–64	55–64	NUM
fsr-3403	328	110	0.585	0.585	NUM
fsr-3403	328	111	3.670	3.670	NUM
fsr-3403	328	112	�	�	NOUN
fsr-3403	328	113	0.764	0.764	NUM
fsr-3403	328	114	3.666	3.666	NUM
fsr-3403	328	115	age	age	NOUN
fsr-3403	328	116	65–74	65–74	NUM
fsr-3403	328	117	�	�	PROPN
fsr-3403	328	118	3.558	3.558	NUM
fsr-3403	328	119	3.743	3.743	NUM
fsr-3403	328	120	2.146	2.146	NUM
fsr-3403	328	121	3.657	3.657	NUM
fsr-3403	328	122	education	education	NOUN
fsr-3403	328	123	5.354	5.354	NUM
fsr-3403	328	124	*	*	PUNCT
fsr-3403	328	125	*	*	PUNCT
fsr-3403	328	126	*	*	X
fsr-3403	328	127	0.904	0.904	NUM
fsr-3403	328	128	�	�	NUM
fsr-3403	328	129	4.902	4.902	NUM
fsr-3403	328	130	*	*	PUNCT
fsr-3403	328	131	*	*	PUNCT
fsr-3403	328	132	*	*	PROPN
fsr-3403	328	133	0.857	0.857	NUM
fsr-3403	328	134	kids	kid	NOUN
fsr-3403	328	135	�	�	ADP
fsr-3403	328	136	1.444	1.444	NUM
fsr-3403	328	137	*	*	SYM
fsr-3403	328	138	*	*	NUM
fsr-3403	328	139	0.694	0.694	NUM
fsr-3403	328	140	1.097	1.097	NUM
fsr-3403	328	141	0.687	0.687	NUM
fsr-3403	328	142	race	race	NOUN
fsr-3403	328	143	10.590	10.590	NUM
fsr-3403	328	144	*	*	PUNCT
fsr-3403	328	145	*	*	PUNCT
fsr-3403	328	146	*	*	PUNCT
fsr-3403	328	147	1.574	1.574	NUM
fsr-3403	328	148	5.432	5.432	NUM
fsr-3403	328	149	*	*	PUNCT
fsr-3403	328	150	*	*	PUNCT
fsr-3403	328	151	*	*	X
fsr-3403	328	152	1.622	1.622	NUM
fsr-3403	328	153	retired	retire	VERB
fsr-3403	328	154	�	�	PROPN
fsr-3403	328	155	5.226	5.226	NUM
fsr-3403	328	156	*	*	NOUN
fsr-3403	328	157	*	*	NOUN
fsr-3403	328	158	2.378	2.378	NUM
fsr-3403	328	159	1.906	1.906	NUM
fsr-3403	328	160	2.453	2.453	NUM
fsr-3403	328	161	ln(income	ln(income	NOUN
fsr-3403	328	162	)	)	PUNCT
fsr-3403	328	163	17.363	17.363	NUM
fsr-3403	328	164	*	*	PUNCT
fsr-3403	328	165	*	*	PUNCT
fsr-3403	328	166	*	*	PUNCT
fsr-3403	328	167	1.266	1.266	NUM
fsr-3403	328	168	21.655	21.655	NUM
fsr-3403	328	169	*	*	PUNCT
fsr-3403	328	170	*	*	PUNCT
fsr-3403	328	171	*	*	PUNCT
fsr-3403	328	172	1.267	1.267	NUM
fsr-3403	328	173	ln(checking	ln(checke	VERB
fsr-3403	328	174	)	)	PUNCT
fsr-3403	328	175	0.021	0.021	NUM
fsr-3403	328	176	0.162	0.162	NUM
fsr-3403	328	177	0.596	0.596	NUM
fsr-3403	328	178	*	*	PUNCT
fsr-3403	328	179	*	*	PUNCT
fsr-3403	328	180	*	*	PUNCT
fsr-3403	328	181	0.170	0.170	NUM
fsr-3403	328	182	ln(saving	ln(save	VERB
fsr-3403	328	183	)	)	PUNCT
fsr-3403	328	184	0.593	0.593	NUM
fsr-3403	328	185	*	*	NOUN
fsr-3403	328	186	*	*	PUNCT
fsr-3403	328	187	0.276	0.276	NUM
fsr-3403	328	188	�	�	NOUN
fsr-3403	328	189	0.115	0.115	NUM
fsr-3403	328	190	0.288	0.288	NUM
fsr-3403	328	191	net	net	ADJ
fsr-3403	328	192	worth	worth	ADJ
fsr-3403	328	193	0.000	0.000	NUM
fsr-3403	328	194	0.000	0.000	NUM
fsr-3403	328	195	�	�	NOUN
fsr-3403	328	196	0.002	0.002	NUM
fsr-3403	328	197	*	*	PUNCT
fsr-3403	328	198	*	*	PUNCT
fsr-3403	328	199	*	*	PUNCT
fsr-3403	328	200	0.000	0.000	NUM
fsr-3403	328	201	risk	risk	NOUN
fsr-3403	328	202	aversion	aversion	NOUN
fsr-3403	328	203	�	�	PROPN
fsr-3403	328	204	9.008	9.008	NUM
fsr-3403	328	205	*	*	PUNCT
fsr-3403	328	206	*	*	PUNCT
fsr-3403	328	207	*	*	NOUN
fsr-3403	328	208	0.880	0.880	NUM
fsr-3403	328	209	0.668	0.668	NUM
fsr-3403	328	210	0.932	0.932	NUM
fsr-3403	328	211	turned	turn	VERB
fsr-3403	328	212	down	down	ADP
fsr-3403	328	213	�	�	PROPN
fsr-3403	328	214	6.530	6.530	NUM
fsr-3403	328	215	*	*	PUNCT
fsr-3403	328	216	*	*	PUNCT
fsr-3403	328	217	*	*	X
fsr-3403	328	218	2.061	2.061	NUM
fsr-3403	328	219	�	�	NOUN
fsr-3403	328	220	9.184	9.184	NUM
fsr-3403	328	221	*	*	PUNCT
fsr-3403	328	222	*	*	PUNCT
fsr-3403	328	223	*	*	X
fsr-3403	328	224	1.992	1.992	NUM
fsr-3403	328	225	late	late	ADJ
fsr-3403	328	226	pay	pay	NOUN
fsr-3403	328	227	�	�	PROPN
fsr-3403	328	228	2.095	2.095	NUM
fsr-3403	328	229	2.264	2.264	NUM
fsr-3403	328	230	�	�	NOUN
fsr-3403	328	231	10.741	10.741	NUM
fsr-3403	328	232	*	*	PUNCT
fsr-3403	328	233	*	*	PUNCT
fsr-3403	328	234	*	*	PUNCT
fsr-3403	328	235	2.182	2.182	NUM
fsr-3403	328	236	high	high	ADJ
fsr-3403	328	237	expense	expense	NOUN
fsr-3403	328	238	�	�	NOUN
fsr-3403	328	239	0.634	0.634	NUM
fsr-3403	328	240	1.750	1.750	NUM
fsr-3403	328	241	�	�	NOUN
fsr-3403	328	242	4.530	4.530	NUM
fsr-3403	328	243	*	*	PUNCT
fsr-3403	328	244	*	*	PUNCT
fsr-3403	328	245	*	*	SYM
fsr-3403	328	246	1.629	1.629	NUM
fsr-3403	328	247	committed	committed	ADJ
fsr-3403	328	248	expense	expense	NOUN
fsr-3403	328	249	12.435	12.435	NUM
fsr-3403	328	250	*	*	SYM
fsr-3403	328	251	*	*	PUNCT
fsr-3403	328	252	5.395	5.395	NUM
fsr-3403	328	253	168.956	168.956	NUM
fsr-3403	328	254	*	*	PUNCT
fsr-3403	328	255	*	*	PUNCT
fsr-3403	328	256	*	*	PUNCT
fsr-3403	328	257	5.245	5.245	NUM
fsr-3403	328	258	private	private	ADJ
fsr-3403	328	259	business	business	NOUN
fsr-3403	328	260	�	�	PROPN
fsr-3403	328	261	9.023	9.023	NUM
fsr-3403	328	262	*	*	PUNCT
fsr-3403	328	263	*	*	PUNCT
fsr-3403	328	264	*	*	PUNCT
fsr-3403	328	265	2.001	2.001	NUM
fsr-3403	328	266	�	�	NOUN
fsr-3403	328	267	5.497	5.497	NUM
fsr-3403	328	268	*	*	PUNCT
fsr-3403	328	269	*	*	PUNCT
fsr-3403	328	270	*	*	PUNCT
fsr-3403	328	271	1.945	1.945	NUM
fsr-3403	328	272	liq	liq	NOUN
fsr-3403	328	273	con	con	PROPN
fsr-3403	328	274	�	�	PROPN
fsr-3403	328	275	0.848	0.848	NUM
fsr-3403	328	276	0.760	0.760	NUM
fsr-3403	328	277	2.236	2.236	NUM
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fsr-3403	328	280	*	*	PROPN
fsr-3403	328	281	0.698	0.698	NUM
fsr-3403	328	282	loc	loc	X
fsr-3403	328	283	�	�	PROPN
fsr-3403	328	284	0.001	0.001	NUM
fsr-3403	328	285	0.004	0.004	NUM
fsr-3403	328	286	�	�	NOUN
fsr-3403	328	287	0.002	0.002	NUM
fsr-3403	328	288	0.005	0.005	NUM
fsr-3403	328	289	liq	liq	NOUN
fsr-3403	328	290	�	�	NOUN
fsr-3403	328	291	0.010	0.010	NUM
fsr-3403	328	292	*	*	PUNCT
fsr-3403	328	293	*	*	PUNCT
fsr-3403	328	294	*	*	PUNCT
fsr-3403	328	295	0.004	0.004	NUM
fsr-3403	328	296	�	�	NOUN
fsr-3403	328	297	0.003	0.003	NUM
fsr-3403	328	298	0.005	0.005	NUM
fsr-3403	328	299	health	health	NOUN
fsr-3403	328	300	risk	risk	NOUN
fsr-3403	328	301	�	�	PROPN
fsr-3403	328	302	4.084	4.084	NUM
fsr-3403	328	303	*	*	SYM
fsr-3403	328	304	*	*	PROPN
fsr-3403	328	305	1.799	1.799	NUM
fsr-3403	328	306	�	�	NOUN
fsr-3403	328	307	2.629	2.629	NUM
fsr-3403	328	308	1.730	1.730	NUM
fsr-3403	328	309	constant	constant	ADJ
fsr-3403	328	310	�	�	NOUN
fsr-3403	328	311	172.431	172.431	NUM
fsr-3403	328	312	*	*	PUNCT
fsr-3403	328	313	*	*	PUNCT
fsr-3403	328	314	*	*	X
fsr-3403	328	315	13.915	13.915	NUM
fsr-3403	328	316	�	�	NOUN
fsr-3403	328	317	206.994	206.994	NUM
fsr-3403	328	318	*	*	PUNCT
fsr-3403	328	319	*	*	PUNCT
fsr-3403	328	320	*	*	X
fsr-3403	328	321	14.181	14.181	NUM
fsr-3403	328	322	�	�	PROPN
fsr-3403	328	323	0	0	NUM
fsr-3403	328	324	0	0	NUM
fsr-3403	328	325	�	�	PROPN
fsr-3403	328	326	1	1	NUM
fsr-3403	328	327	32.40	32.40	NUM
fsr-3403	328	328	—	—	PUNCT
fsr-3403	328	329	�	�	PROPN
fsr-3403	328	330	2	2	NUM
fsr-3403	328	331	—	—	PUNCT
fsr-3403	328	332	43.03	43.03	NUM
fsr-3403	328	333	notes	note	NOUN
fsr-3403	328	334	:	:	PUNCT
fsr-3403	328	335	*	*	PUNCT
fsr-3403	328	336	*	*	PUNCT
fsr-3403	328	337	*	*	PUNCT
fsr-3403	328	338	,	,	PUNCT
fsr-3403	328	339	*	*	PUNCT
fsr-3403	328	340	*	*	PUNCT
fsr-3403	328	341	,	,	PUNCT
fsr-3403	328	342	and	and	CCONJ
fsr-3403	328	343	*	*	PUNCT
fsr-3403	328	344	indicate	indicate	VERB
fsr-3403	328	345	significance	significance	NOUN
fsr-3403	328	346	at	at	ADP
fsr-3403	328	347	1	1	NUM
fsr-3403	328	348	%	%	NOUN
fsr-3403	328	349	,	,	PUNCT
fsr-3403	328	350	5	5	NUM
fsr-3403	328	351	%	%	NOUN
fsr-3403	328	352	,	,	PUNCT
fsr-3403	328	353	and	and	CCONJ
fsr-3403	328	354	10	10	NUM
fsr-3403	328	355	%	%	NOUN
fsr-3403	328	356	level	level	NOUN
fsr-3403	328	357	,	,	PUNCT
fsr-3403	328	358	respectively	respectively	ADV
fsr-3403	328	359	.	.	PUNCT
fsr-3403	329	1	(	(	PUNCT
fsr-3403	329	2	1	1	X
fsr-3403	329	3	)	)	PUNCT
fsr-3403	329	4	eqs	eqs	X
fsr-3403	329	5	.	.	PUNCT
fsr-3403	330	1	(	(	PUNCT
fsr-3403	330	2	1	1	X
fsr-3403	330	3	)	)	PUNCT
fsr-3403	330	4	and	and	CCONJ
fsr-3403	330	5	(	(	PUNCT
fsr-3403	330	6	2	2	X
fsr-3403	330	7	)	)	PUNCT
fsr-3403	330	8	are	be	AUX
fsr-3403	330	9	estimated	estimate	VERB
fsr-3403	330	10	separately	separately	ADV
fsr-3403	330	11	.	.	PUNCT
fsr-3403	331	1	(	(	PUNCT
fsr-3403	331	2	2	2	NUM
fsr-3403	331	3	)	)	PUNCT
fsr-3403	331	4	because	because	SCONJ
fsr-3403	331	5	the	the	DET
fsr-3403	331	6	data	data	NOUN
fsr-3403	331	7	is	be	AUX
fsr-3403	331	8	imputed	impute	VERB
fsr-3403	331	9	,	,	PUNCT
fsr-3403	331	10	rubin	rubin	PROPN
fsr-3403	331	11	’s	’s	PART
fsr-3403	331	12	combination	combination	NOUN
fsr-3403	331	13	rule	rule	NOUN
fsr-3403	331	14	(	(	PUNCT
fsr-3403	331	15	rubin	rubin	PROPN
fsr-3403	331	16	,	,	PUNCT
fsr-3403	331	17	1987	1987	NUM
fsr-3403	331	18	)	)	PUNCT
fsr-3403	331	19	is	be	AUX
fsr-3403	331	20	applied	apply	VERB
fsr-3403	331	21	to	to	ADP
fsr-3403	331	22	the	the	DET
fsr-3403	331	23	estimated	estimate	VERB
fsr-3403	331	24	coefficients	coefficient	NOUN
fsr-3403	331	25	.	.	PUNCT
fsr-3403	332	1	the	the	DET
fsr-3403	332	2	standard	standard	ADJ
fsr-3403	332	3	errors	error	NOUN
fsr-3403	332	4	are	be	AUX
fsr-3403	332	5	also	also	ADV
fsr-3403	332	6	adjusted	adjust	VERB
fsr-3403	332	7	accordingly	accordingly	ADV
fsr-3403	332	8	to	to	PART
fsr-3403	332	9	generate	generate	VERB
fsr-3403	332	10	the	the	DET
fsr-3403	332	11	correct	correct	ADJ
fsr-3403	332	12	inference	inference	NOUN
fsr-3403	332	13	.	.	PUNCT
fsr-3403	333	1	340	340	NUM
fsr-3403	333	2	r.	r.	PROPN
fsr-3403	333	3	tao	tao	PROPN
fsr-3403	333	4	,	,	PUNCT
fsr-3403	333	5	y.	y.	PROPN
fsr-3403	333	6	yuan	yuan	PROPN
fsr-3403	333	7	/	/	SYM
fsr-3403	333	8	financial	financial	ADJ
fsr-3403	333	9	services	service	NOUN
fsr-3403	333	10	review	review	VERB
fsr-3403	333	11	27	27	NUM
fsr-3403	333	12	(	(	PUNCT
fsr-3403	333	13	2018	2018	NUM
fsr-3403	333	14	)	)	PUNCT
fsr-3403	333	15	325	325	NUM
fsr-3403	333	16	-	-	SYM
fsr-3403	333	17	344	344	NUM
fsr-3403	333	18	structure	structure	NOUN
fsr-3403	333	19	,	,	PUNCT
fsr-3403	333	20	while	while	SCONJ
fsr-3403	333	21	gender	gender	NOUN
fsr-3403	333	22	of	of	ADP
fsr-3403	333	23	household	household	NOUN
fsr-3403	333	24	head	head	NOUN
fsr-3403	333	25	,	,	PUNCT
fsr-3403	333	26	saving	save	VERB
fsr-3403	333	27	account	account	NOUN
fsr-3403	333	28	balances	balance	NOUN
fsr-3403	333	29	,	,	PUNCT
fsr-3403	333	30	net	net	ADJ
fsr-3403	333	31	worth	worth	NOUN
fsr-3403	333	32	,	,	PUNCT
fsr-3403	333	33	“	"	PUNCT
fsr-3403	333	34	late	late	ADJ
fsr-3403	333	35	pay	pay	NOUN
fsr-3403	333	36	,	,	PUNCT
fsr-3403	333	37	”	"	PUNCT
fsr-3403	333	38	“	"	PUNCT
fsr-3403	333	39	high	high	ADJ
fsr-3403	333	40	expense	expense	NOUN
fsr-3403	333	41	,	,	PUNCT
fsr-3403	333	42	”	"	PUNCT
fsr-3403	333	43	“	"	PUNCT
fsr-3403	333	44	liq	liq	NOUN
fsr-3403	333	45	con	con	NOUN
fsr-3403	333	46	”	"	PUNCT
fsr-3403	333	47	only	only	ADV
fsr-3403	333	48	significantly	significantly	ADV
fsr-3403	333	49	affect	affect	VERB
fsr-3403	333	50	the	the	DET
fsr-3403	333	51	secured	secure	VERB
fsr-3403	333	52	debt	debt	NOUN
fsr-3403	333	53	share	share	NOUN
fsr-3403	333	54	.	.	PUNCT
fsr-3403	334	1	the	the	DET
fsr-3403	334	2	above	above	ADJ
fsr-3403	334	3	evidence	evidence	NOUN
fsr-3403	334	4	demonstrates	demonstrate	VERB
fsr-3403	334	5	that	that	SCONJ
fsr-3403	334	6	when	when	SCONJ
fsr-3403	334	7	households	household	NOUN
fsr-3403	334	8	decide	decide	VERB
fsr-3403	334	9	on	on	ADP
fsr-3403	334	10	risky	risky	ADJ
fsr-3403	334	11	asset	asset	NOUN
fsr-3403	334	12	holdings	holding	NOUN
fsr-3403	334	13	,	,	PUNCT
fsr-3403	334	14	they	they	PRON
fsr-3403	334	15	do	do	AUX
fsr-3403	334	16	not	not	PART
fsr-3403	334	17	make	make	VERB
fsr-3403	334	18	the	the	DET
fsr-3403	334	19	decision	decision	NOUN
fsr-3403	334	20	in	in	ADP
fsr-3403	334	21	isolation	isolation	NOUN
fsr-3403	334	22	from	from	ADP
fsr-3403	334	23	their	their	PRON
fsr-3403	334	24	debt	debt	NOUN
fsr-3403	334	25	structure	structure	NOUN
fsr-3403	334	26	and	and	CCONJ
fsr-3403	334	27	obligations	obligation	NOUN
fsr-3403	334	28	,	,	PUNCT
fsr-3403	334	29	vice	vice	NOUN
fsr-3403	334	30	versa	versa	ADV
fsr-3403	334	31	.	.	PUNCT
fsr-3403	335	1	the	the	DET
fsr-3403	335	2	bivariate	bivariate	ADJ
fsr-3403	335	3	tobit	tobit	NOUN
fsr-3403	335	4	model	model	NOUN
fsr-3403	335	5	setup	setup	NOUN
fsr-3403	335	6	allows	allow	VERB
fsr-3403	335	7	us	we	PRON
fsr-3403	335	8	to	to	PART
fsr-3403	335	9	identify	identify	VERB
fsr-3403	335	10	,	,	PUNCT
fsr-3403	335	11	in	in	ADP
fsr-3403	335	12	this	this	DET
fsr-3403	335	13	simultaneous	simultaneous	ADJ
fsr-3403	335	14	decisionmaking	decisionmake	VERB
fsr-3403	335	15	process	process	NOUN
fsr-3403	335	16	,	,	PUNCT
fsr-3403	335	17	the	the	DET
fsr-3403	335	18	demographic	demographic	ADJ
fsr-3403	335	19	and	and	CCONJ
fsr-3403	335	20	financial	financial	ADJ
fsr-3403	335	21	factors	factor	NOUN
fsr-3403	335	22	that	that	PRON
fsr-3403	335	23	can	can	AUX
fsr-3403	335	24	contribute	contribute	VERB
fsr-3403	335	25	to	to	ADP
fsr-3403	335	26	the	the	DET
fsr-3403	335	27	household	household	NOUN
fsr-3403	335	28	overall	overall	ADJ
fsr-3403	335	29	financial	financial	ADJ
fsr-3403	335	30	portfolio	portfolio	NOUN
fsr-3403	335	31	structure	structure	NOUN
fsr-3403	335	32	.	.	PUNCT
fsr-3403	336	1	6	6	X
fsr-3403	336	2	.	.	X
fsr-3403	336	3	conclusions	conclusion	NOUN
fsr-3403	336	4	analyzing	analyze	VERB
fsr-3403	336	5	the	the	DET
fsr-3403	336	6	allocation	allocation	NOUN
fsr-3403	336	7	of	of	ADP
fsr-3403	336	8	financial	financial	ADJ
fsr-3403	336	9	portfolio	portfolio	NOUN
fsr-3403	336	10	,	,	PUNCT
fsr-3403	336	11	including	include	VERB
fsr-3403	336	12	financial	financial	ADJ
fsr-3403	336	13	assets	asset	NOUN
fsr-3403	336	14	and	and	CCONJ
fsr-3403	336	15	liabilities	liability	NOUN
fsr-3403	336	16	,	,	PUNCT
fsr-3403	336	17	is	be	AUX
fsr-3403	336	18	of	of	ADP
fsr-3403	336	19	paramount	paramount	ADJ
fsr-3403	336	20	importance	importance	NOUN
fsr-3403	336	21	for	for	ADP
fsr-3403	336	22	economic	economic	ADJ
fsr-3403	336	23	policy	policy	NOUN
fsr-3403	336	24	making	making	NOUN
fsr-3403	336	25	.	.	PUNCT
fsr-3403	337	1	this	this	PRON
fsr-3403	337	2	is	be	AUX
fsr-3403	337	3	especially	especially	ADV
fsr-3403	337	4	imperative	imperative	ADJ
fsr-3403	337	5	at	at	ADP
fsr-3403	337	6	the	the	DET
fsr-3403	337	7	table	table	NOUN
fsr-3403	337	8	3	3	NUM
fsr-3403	337	9	b	b	NOUN
fsr-3403	337	10	estimation	estimation	NOUN
fsr-3403	337	11	results	result	NOUN
fsr-3403	337	12	of	of	ADP
fsr-3403	337	13	bivariate	bivariate	ADJ
fsr-3403	337	14	tobit	tobit	NOUN
fsr-3403	337	15	model	model	NOUN
fsr-3403	337	16	explanatory	explanatory	ADJ
fsr-3403	337	17	variables	variable	NOUN
fsr-3403	337	18	(	(	PUNCT
fsr-3403	337	19	1	1	X
fsr-3403	337	20	)	)	PUNCT
fsr-3403	337	21	risky	risky	ADJ
fsr-3403	337	22	asset	asset	NOUN
fsr-3403	337	23	ratio	ratio	NOUN
fsr-3403	337	24	(	(	PUNCT
fsr-3403	337	25	2	2	NUM
fsr-3403	337	26	)	)	PUNCT
fsr-3403	337	27	secured	secured	ADJ
fsr-3403	337	28	debt	debt	NOUN
fsr-3403	337	29	ratio	ratio	NOUN
fsr-3403	337	30	coefficient	coefficient	NOUN
fsr-3403	337	31	standard	standard	ADJ
fsr-3403	337	32	error	error	NOUN
fsr-3403	337	33	coefficient	coefficient	NOUN
fsr-3403	337	34	standard	standard	ADJ
fsr-3403	337	35	error	error	NOUN
fsr-3403	337	36	hhsex	hhsex	NOUN
fsr-3403	337	37	2.189	2.189	NUM
fsr-3403	337	38	2.044	2.044	NUM
fsr-3403	337	39	7.498	7.498	NUM
fsr-3403	337	40	*	*	PUNCT
fsr-3403	337	41	*	*	PUNCT
fsr-3403	337	42	*	*	SYM
fsr-3403	337	43	1.936	1.936	NUM
fsr-3403	337	44	age	age	NOUN
fsr-3403	337	45	�	�	PROPN
fsr-3403	337	46	35	35	NUM
fsr-3403	337	47	�	�	PROPN
fsr-3403	337	48	10.381	10.381	NUM
fsr-3403	337	49	*	*	NOUN
fsr-3403	337	50	*	*	PROPN
fsr-3403	337	51	4.060	4.060	NUM
fsr-3403	337	52	�	�	NOUN
fsr-3403	337	53	10.572	10.572	NUM
fsr-3403	337	54	*	*	NOUN
fsr-3403	337	55	*	*	SYM
fsr-3403	337	56	4.132	4.132	NUM
fsr-3403	337	57	age	age	NOUN
fsr-3403	337	58	35–44	35–44	NUM
fsr-3403	337	59	�	�	PROPN
fsr-3403	337	60	2.228	2.228	NUM
fsr-3403	337	61	3.919	3.919	NUM
fsr-3403	337	62	�	�	NOUN
fsr-3403	337	63	5.475	5.475	NUM
fsr-3403	337	64	4.041	4.041	NUM
fsr-3403	337	65	age	age	NOUN
fsr-3403	337	66	45–54	45–54	NUM
fsr-3403	337	67	1.007	1.007	NUM
fsr-3403	337	68	3.766	3.766	NUM
fsr-3403	337	69	�	�	NOUN
fsr-3403	337	70	2.735	2.735	NUM
fsr-3403	337	71	3.885	3.885	NUM
fsr-3403	337	72	age	age	NOUN
fsr-3403	337	73	55–64	55–64	NUM
fsr-3403	337	74	0.562	0.562	NUM
fsr-3403	337	75	3.670	3.670	NUM
fsr-3403	337	76	�	�	NOUN
fsr-3403	337	77	0.793	0.793	NUM
fsr-3403	337	78	3.667	3.667	NUM
fsr-3403	337	79	age	age	NOUN
fsr-3403	337	80	65–74	65–74	NUM
fsr-3403	337	81	�	�	PROPN
fsr-3403	337	82	3.541	3.541	NUM
fsr-3403	337	83	3.743	3.743	NUM
fsr-3403	337	84	2.128	2.128	NUM
fsr-3403	337	85	3.658	3.658	NUM
fsr-3403	337	86	education	education	NOUN
fsr-3403	337	87	5.304	5.304	NUM
fsr-3403	337	88	*	*	PUNCT
fsr-3403	337	89	*	*	PUNCT
fsr-3403	337	90	*	*	X
fsr-3403	337	91	0.907	0.907	NUM
fsr-3403	337	92	�	�	NOUN
fsr-3403	337	93	4.915	4.915	NUM
fsr-3403	337	94	*	*	PUNCT
fsr-3403	337	95	*	*	PUNCT
fsr-3403	337	96	*	*	PROPN
fsr-3403	337	97	0.857	0.857	NUM
fsr-3403	337	98	kids	kid	NOUN
fsr-3403	337	99	�	�	ADP
fsr-3403	337	100	1.446	1.446	NUM
fsr-3403	337	101	*	*	NOUN
fsr-3403	337	102	*	*	NOUN
fsr-3403	337	103	0.695	0.695	NUM
fsr-3403	337	104	1.092	1.092	NUM
fsr-3403	337	105	0.687	0.687	NUM
fsr-3403	337	106	race	race	NOUN
fsr-3403	337	107	10.595	10.595	NUM
fsr-3403	337	108	*	*	PUNCT
fsr-3403	337	109	*	*	PUNCT
fsr-3403	337	110	*	*	PUNCT
fsr-3403	337	111	1.574	1.574	NUM
fsr-3403	337	112	5.433	5.433	NUM
fsr-3403	337	113	*	*	PUNCT
fsr-3403	337	114	*	*	PUNCT
fsr-3403	337	115	*	*	X
fsr-3403	337	116	1.622	1.622	NUM
fsr-3403	337	117	retired	retire	VERB
fsr-3403	337	118	�	�	NOUN
fsr-3403	337	119	5.230	5.230	NUM
fsr-3403	337	120	*	*	NOUN
fsr-3403	337	121	*	*	PROPN
fsr-3403	337	122	2.378	2.378	NUM
fsr-3403	337	123	1.893	1.893	NUM
fsr-3403	337	124	2.454	2.454	NUM
fsr-3403	337	125	ln(income	ln(income	NOUN
fsr-3403	337	126	)	)	PUNCT
fsr-3403	337	127	17.444	17.444	NUM
fsr-3403	337	128	*	*	PUNCT
fsr-3403	337	129	*	*	PUNCT
fsr-3403	337	130	*	*	PUNCT
fsr-3403	337	131	1.270	1.270	NUM
fsr-3403	337	132	21.688	21.688	NUM
fsr-3403	337	133	*	*	PUNCT
fsr-3403	337	134	*	*	PUNCT
fsr-3403	337	135	*	*	PUNCT
fsr-3403	337	136	1.267	1.267	NUM
fsr-3403	337	137	ln(checking	ln(checke	VERB
fsr-3403	337	138	)	)	PUNCT
fsr-3403	337	139	0.024	0.024	NUM
fsr-3403	337	140	0.162	0.162	NUM
fsr-3403	337	141	0.598	0.598	NUM
fsr-3403	337	142	*	*	PUNCT
fsr-3403	337	143	*	*	PUNCT
fsr-3403	337	144	*	*	PUNCT
fsr-3403	337	145	0.170	0.170	NUM
fsr-3403	337	146	ln(saving	ln(save	VERB
fsr-3403	337	147	)	)	PUNCT
fsr-3403	337	148	0.594	0.594	NUM
fsr-3403	337	149	*	*	SYM
fsr-3403	337	150	*	*	X
fsr-3403	337	151	0.276	0.276	NUM
fsr-3403	337	152	�	�	NOUN
fsr-3403	337	153	0.113	0.113	NUM
fsr-3403	337	154	0.288	0.288	NUM
fsr-3403	337	155	net	net	ADJ
fsr-3403	337	156	worth	worth	ADJ
fsr-3403	337	157	0.000	0.000	NUM
fsr-3403	337	158	0.000	0.000	NUM
fsr-3403	337	159	�	�	NOUN
fsr-3403	337	160	0.002	0.002	NUM
fsr-3403	337	161	*	*	PUNCT
fsr-3403	337	162	*	*	PUNCT
fsr-3403	337	163	*	*	PUNCT
fsr-3403	337	164	0.000	0.000	NUM
fsr-3403	337	165	risk	risk	NOUN
fsr-3403	337	166	aversion	aversion	NOUN
fsr-3403	337	167	�	�	NOUN
fsr-3403	337	168	8.997	8.997	NUM
fsr-3403	337	169	*	*	PUNCT
fsr-3403	337	170	*	*	PUNCT
fsr-3403	337	171	*	*	PUNCT
fsr-3403	337	172	0.880	0.880	NUM
fsr-3403	337	173	0.672	0.672	NUM
fsr-3403	337	174	0.933	0.933	NUM
fsr-3403	337	175	turned	turn	VERB
fsr-3403	337	176	down	down	ADP
fsr-3403	337	177	�	�	PROPN
fsr-3403	337	178	6.457	6.457	NUM
fsr-3403	337	179	*	*	PUNCT
fsr-3403	337	180	*	*	PUNCT
fsr-3403	337	181	*	*	PROPN
fsr-3403	337	182	2.058	2.058	NUM
fsr-3403	337	183	�	�	NOUN
fsr-3403	337	184	9.175	9.175	NUM
fsr-3403	337	185	*	*	PUNCT
fsr-3403	337	186	*	*	PUNCT
fsr-3403	337	187	*	*	PUNCT
fsr-3403	337	188	1.991	1.991	NUM
fsr-3403	337	189	late	late	ADJ
fsr-3403	337	190	pay	pay	NOUN
fsr-3403	337	191	�	�	PROPN
fsr-3403	337	192	2.111	2.111	NUM
fsr-3403	337	193	2.265	2.265	NUM
fsr-3403	337	194	�	�	NOUN
fsr-3403	337	195	10.770	10.770	NUM
fsr-3403	337	196	*	*	PUNCT
fsr-3403	337	197	*	*	PUNCT
fsr-3403	337	198	*	*	X
fsr-3403	337	199	2.184	2.184	NUM
fsr-3403	337	200	high	high	ADJ
fsr-3403	337	201	expense	expense	NOUN
fsr-3403	337	202	�	�	NOUN
fsr-3403	337	203	0.602	0.602	NUM
fsr-3403	337	204	1.750	1.750	NUM
fsr-3403	337	205	�	�	NOUN
fsr-3403	337	206	4.542	4.542	NUM
fsr-3403	337	207	*	*	PUNCT
fsr-3403	337	208	*	*	PUNCT
fsr-3403	337	209	*	*	SYM
fsr-3403	337	210	1.629	1.629	NUM
fsr-3403	337	211	committed	committed	ADJ
fsr-3403	337	212	expense	expense	NOUN
fsr-3403	337	213	0.129	0.129	NUM
fsr-3403	337	214	*	*	SYM
fsr-3403	337	215	*	*	PUNCT
fsr-3403	337	216	5.425	5.425	NUM
fsr-3403	337	217	1.691	1.691	NUM
fsr-3403	337	218	*	*	PUNCT
fsr-3403	337	219	*	*	PUNCT
fsr-3403	337	220	*	*	PUNCT
fsr-3403	337	221	5.248	5.248	NUM
fsr-3403	337	222	private	private	ADJ
fsr-3403	337	223	business	business	NOUN
fsr-3403	337	224	�	�	NOUN
fsr-3403	337	225	9.034	9.034	NUM
fsr-3403	337	226	*	*	PUNCT
fsr-3403	337	227	*	*	PUNCT
fsr-3403	337	228	*	*	SYM
fsr-3403	337	229	2.001	2.001	NUM
fsr-3403	337	230	�	�	NUM
fsr-3403	337	231	5.504	5.504	NUM
fsr-3403	337	232	*	*	PUNCT
fsr-3403	337	233	*	*	PUNCT
fsr-3403	337	234	*	*	PUNCT
fsr-3403	337	235	1.946	1.946	NUM
fsr-3403	337	236	liq	liq	NOUN
fsr-3403	337	237	con	con	PROPN
fsr-3403	337	238	�	�	PROPN
fsr-3403	337	239	0.851	0.851	NUM
fsr-3403	337	240	0.760	0.760	NUM
fsr-3403	337	241	2.238	2.238	NUM
fsr-3403	337	242	*	*	PUNCT
fsr-3403	337	243	*	*	PUNCT
fsr-3403	337	244	*	*	PUNCT
fsr-3403	337	245	0.699	0.699	NUM
fsr-3403	337	246	loc	loc	PROPN
fsr-3403	337	247	�	�	PROPN
fsr-3403	337	248	0.001	0.001	NUM
fsr-3403	337	249	0.004	0.004	NUM
fsr-3403	337	250	�	�	NOUN
fsr-3403	337	251	0.002	0.002	NUM
fsr-3403	337	252	0.005	0.005	NUM
fsr-3403	337	253	liq	liq	NOUN
fsr-3403	337	254	�	�	NOUN
fsr-3403	337	255	0.010	0.010	NUM
fsr-3403	337	256	*	*	PUNCT
fsr-3403	337	257	*	*	PUNCT
fsr-3403	337	258	*	*	PUNCT
fsr-3403	337	259	0.004	0.004	NUM
fsr-3403	337	260	�	�	NOUN
fsr-3403	337	261	0.003	0.003	NUM
fsr-3403	337	262	0.005	0.005	NUM
fsr-3403	337	263	health	health	NOUN
fsr-3403	337	264	risk	risk	NOUN
fsr-3403	337	265	�	�	NOUN
fsr-3403	337	266	4.108	4.108	NUM
fsr-3403	337	267	*	*	NOUN
fsr-3403	337	268	*	*	PROPN
fsr-3403	337	269	1.802	1.802	NUM
fsr-3403	337	270	�	�	NOUN
fsr-3403	337	271	2.639	2.639	NUM
fsr-3403	337	272	1.731	1.731	NUM
fsr-3403	337	273	constant	constant	ADJ
fsr-3403	337	274	�	�	NOUN
fsr-3403	337	275	173.274	173.274	NUM
fsr-3403	337	276	*	*	PUNCT
fsr-3403	337	277	*	*	PUNCT
fsr-3403	337	278	*	*	PROPN
fsr-3403	337	279	13.968	13.968	NUM
fsr-3403	337	280	�	�	PROPN
fsr-3403	337	281	207.338	207.338	NUM
fsr-3403	337	282	*	*	PUNCT
fsr-3403	337	283	*	*	PUNCT
fsr-3403	337	284	*	*	X
fsr-3403	337	285	14.187	14.187	NUM
fsr-3403	337	286	�	�	PROPN
fsr-3403	337	287	0.055	0.055	NUM
fsr-3403	337	288	*	*	PUNCT
fsr-3403	337	289	*	*	PUNCT
fsr-3403	337	290	*	*	NOUN
fsr-3403	337	291	0.018	0.018	NUM
fsr-3403	337	292	�	�	PROPN
fsr-3403	337	293	1	1	NUM
fsr-3403	337	294	35.694	35.694	NUM
fsr-3403	337	295	�	�	PROPN
fsr-3403	337	296	2	2	NUM
fsr-3403	337	297	42.818	42.818	NUM
fsr-3403	337	298	notes	note	NOUN
fsr-3403	337	299	:	:	PUNCT
fsr-3403	337	300	*	*	PUNCT
fsr-3403	337	301	*	*	PUNCT
fsr-3403	337	302	*	*	PUNCT
fsr-3403	337	303	,	,	PUNCT
fsr-3403	337	304	*	*	PUNCT
fsr-3403	337	305	*	*	PUNCT
fsr-3403	337	306	,	,	PUNCT
fsr-3403	337	307	and	and	CCONJ
fsr-3403	337	308	*	*	PUNCT
fsr-3403	337	309	indicate	indicate	VERB
fsr-3403	337	310	significance	significance	NOUN
fsr-3403	337	311	at	at	ADP
fsr-3403	337	312	1	1	NUM
fsr-3403	337	313	%	%	NOUN
fsr-3403	337	314	,	,	PUNCT
fsr-3403	337	315	5	5	NUM
fsr-3403	337	316	%	%	NOUN
fsr-3403	337	317	,	,	PUNCT
fsr-3403	337	318	and	and	CCONJ
fsr-3403	337	319	10	10	NUM
fsr-3403	337	320	%	%	NOUN
fsr-3403	337	321	level	level	NOUN
fsr-3403	337	322	,	,	PUNCT
fsr-3403	337	323	respectively	respectively	ADV
fsr-3403	337	324	.	.	PUNCT
fsr-3403	338	1	likehood	likehood	PROPN
fsr-3403	338	2	ratio	ratio	PROPN
fsr-3403	338	3	test	test	NOUN
fsr-3403	338	4	:	:	PUNCT
fsr-3403	338	5	h0	h0	NOUN
fsr-3403	338	6	:	:	PUNCT
fsr-3403	338	7	�	�	PROPN
fsr-3403	338	8	12	12	NUM
fsr-3403	338	9	�	�	PROPN
fsr-3403	338	10	0	0	NUM
fsr-3403	338	11	.	.	PUNCT
fsr-3403	339	1	�	�	PROPN
fsr-3403	339	2	2	2	NUM
fsr-3403	339	3	�	�	PROPN
fsr-3403	339	4	50.450	50.450	NUM
fsr-3403	339	5	,	,	PUNCT
fsr-3403	339	6	p	p	PROPN
fsr-3403	339	7	�	�	PROPN
fsr-3403	339	8	0.000	0.000	NUM
fsr-3403	339	9	.	.	PUNCT
fsr-3403	340	1	(	(	PUNCT
fsr-3403	340	2	1	1	X
fsr-3403	340	3	)	)	PUNCT
fsr-3403	340	4	eqs	eqs	X
fsr-3403	340	5	.	.	PUNCT
fsr-3403	341	1	(	(	PUNCT
fsr-3403	341	2	1	1	X
fsr-3403	341	3	)	)	PUNCT
fsr-3403	341	4	and	and	CCONJ
fsr-3403	341	5	(	(	PUNCT
fsr-3403	341	6	2	2	X
fsr-3403	341	7	)	)	PUNCT
fsr-3403	341	8	are	be	AUX
fsr-3403	341	9	estimated	estimate	VERB
fsr-3403	341	10	simultaneously	simultaneously	ADV
fsr-3403	341	11	.	.	PUNCT
fsr-3403	342	1	(	(	PUNCT
fsr-3403	342	2	2	2	NUM
fsr-3403	342	3	)	)	PUNCT
fsr-3403	342	4	because	because	SCONJ
fsr-3403	342	5	the	the	DET
fsr-3403	342	6	data	data	NOUN
fsr-3403	342	7	is	be	AUX
fsr-3403	342	8	imputed	impute	VERB
fsr-3403	342	9	,	,	PUNCT
fsr-3403	342	10	rubin	rubin	PROPN
fsr-3403	342	11	’s	’s	PART
fsr-3403	342	12	combination	combination	NOUN
fsr-3403	342	13	rule	rule	NOUN
fsr-3403	342	14	(	(	PUNCT
fsr-3403	342	15	rubin	rubin	PROPN
fsr-3403	342	16	,	,	PUNCT
fsr-3403	342	17	1987	1987	NUM
fsr-3403	342	18	)	)	PUNCT
fsr-3403	342	19	is	be	AUX
fsr-3403	342	20	applied	apply	VERB
fsr-3403	342	21	to	to	ADP
fsr-3403	342	22	the	the	DET
fsr-3403	342	23	estimated	estimate	VERB
fsr-3403	342	24	coefficients	coefficient	NOUN
fsr-3403	342	25	.	.	PUNCT
fsr-3403	343	1	the	the	DET
fsr-3403	343	2	standard	standard	ADJ
fsr-3403	343	3	errors	error	NOUN
fsr-3403	343	4	are	be	AUX
fsr-3403	343	5	also	also	ADV
fsr-3403	343	6	adjusted	adjust	VERB
fsr-3403	343	7	accordingly	accordingly	ADV
fsr-3403	343	8	to	to	PART
fsr-3403	343	9	generate	generate	VERB
fsr-3403	343	10	the	the	DET
fsr-3403	343	11	correct	correct	ADJ
fsr-3403	343	12	inference	inference	NOUN
fsr-3403	343	13	.	.	PUNCT
fsr-3403	344	1	341r	341r	NOUN
fsr-3403	344	2	.	.	PUNCT
fsr-3403	345	1	tao	tao	PROPN
fsr-3403	345	2	,	,	PUNCT
fsr-3403	345	3	y.	y.	PROPN
fsr-3403	345	4	yuan	yuan	PROPN
fsr-3403	345	5	/	/	SYM
fsr-3403	345	6	financial	financial	ADJ
fsr-3403	345	7	services	service	NOUN
fsr-3403	345	8	review	review	VERB
fsr-3403	345	9	27	27	NUM
fsr-3403	345	10	(	(	PUNCT
fsr-3403	345	11	2018	2018	NUM
fsr-3403	345	12	)	)	PUNCT
fsr-3403	345	13	325	325	NUM
fsr-3403	345	14	-	-	SYM
fsr-3403	345	15	344	344	NUM
fsr-3403	345	16	household	household	NOUN
fsr-3403	345	17	level	level	NOUN
fsr-3403	345	18	as	as	SCONJ
fsr-3403	345	19	it	it	PRON
fsr-3403	345	20	indicates	indicate	VERB
fsr-3403	345	21	the	the	DET
fsr-3403	345	22	financial	financial	ADJ
fsr-3403	345	23	pressure	pressure	NOUN
fsr-3403	345	24	and	and	CCONJ
fsr-3403	345	25	stress	stress	NOUN
fsr-3403	345	26	faced	face	VERB
fsr-3403	345	27	by	by	ADP
fsr-3403	345	28	the	the	DET
fsr-3403	345	29	households	household	NOUN
fsr-3403	345	30	in	in	ADP
fsr-3403	345	31	the	the	DET
fsr-3403	345	32	quick	quick	ADV
fsr-3403	345	33	-	-	PUNCT
fsr-3403	345	34	changing	change	VERB
fsr-3403	345	35	economic	economic	ADJ
fsr-3403	345	36	environment	environment	NOUN
fsr-3403	345	37	.	.	PUNCT
fsr-3403	346	1	in	in	ADP
fsr-3403	346	2	this	this	DET
fsr-3403	346	3	research	research	NOUN
fsr-3403	346	4	,	,	PUNCT
fsr-3403	346	5	we	we	PRON
fsr-3403	346	6	first	first	ADV
fsr-3403	346	7	test	test	VERB
fsr-3403	346	8	the	the	DET
fsr-3403	346	9	effect	effect	NOUN
fsr-3403	346	10	of	of	ADP
fsr-3403	346	11	secured	secured	ADJ
fsr-3403	346	12	debt	debt	NOUN
fsr-3403	346	13	on	on	ADP
fsr-3403	346	14	risky	risky	ADJ
fsr-3403	346	15	assets	asset	NOUN
fsr-3403	346	16	by	by	ADP
fsr-3403	346	17	using	use	VERB
fsr-3403	346	18	a	a	DET
fsr-3403	346	19	two	two	NUM
fsr-3403	346	20	-	-	PUNCT
fsr-3403	346	21	step	step	NOUN
fsr-3403	346	22	tobit	tobit	NOUN
fsr-3403	346	23	model	model	NOUN
fsr-3403	346	24	.	.	PUNCT
fsr-3403	347	1	we	we	PRON
fsr-3403	347	2	separate	separate	VERB
fsr-3403	347	3	the	the	DET
fsr-3403	347	4	decision	decision	NOUN
fsr-3403	347	5	to	to	PART
fsr-3403	347	6	participate	participate	VERB
fsr-3403	347	7	in	in	ADP
fsr-3403	347	8	investing	invest	VERB
fsr-3403	347	9	in	in	ADP
fsr-3403	347	10	risky	risky	ADJ
fsr-3403	347	11	assets	asset	NOUN
fsr-3403	347	12	from	from	ADP
fsr-3403	347	13	the	the	DET
fsr-3403	347	14	decision	decision	NOUN
fsr-3403	347	15	on	on	ADP
fsr-3403	347	16	how	how	SCONJ
fsr-3403	347	17	much	much	ADJ
fsr-3403	347	18	risky	risky	ADJ
fsr-3403	347	19	assets	asset	NOUN
fsr-3403	347	20	to	to	PART
fsr-3403	347	21	hold	hold	VERB
fsr-3403	347	22	and	and	CCONJ
fsr-3403	347	23	provide	provide	VERB
fsr-3403	347	24	improved	improved	ADJ
fsr-3403	347	25	evidence	evidence	NOUN
fsr-3403	347	26	upon	upon	SCONJ
fsr-3403	347	27	the	the	DET
fsr-3403	347	28	existing	exist	VERB
fsr-3403	347	29	literature	literature	NOUN
fsr-3403	347	30	.	.	PUNCT
fsr-3403	348	1	we	we	PRON
fsr-3403	348	2	find	find	VERB
fsr-3403	348	3	robust	robust	ADJ
fsr-3403	348	4	relationships	relationship	NOUN
fsr-3403	348	5	between	between	ADP
fsr-3403	348	6	debt	debt	NOUN
fsr-3403	348	7	structure	structure	NOUN
fsr-3403	348	8	and	and	CCONJ
fsr-3403	348	9	asset	asset	NOUN
fsr-3403	348	10	allocation	allocation	NOUN
fsr-3403	348	11	.	.	PUNCT
fsr-3403	349	1	although	although	SCONJ
fsr-3403	349	2	the	the	DET
fsr-3403	349	3	debt	debt	NOUN
fsr-3403	349	4	structure	structure	NOUN
fsr-3403	349	5	does	do	AUX
fsr-3403	349	6	not	not	PART
fsr-3403	349	7	prompt	prompt	VERB
fsr-3403	349	8	households	household	NOUN
fsr-3403	349	9	to	to	PART
fsr-3403	349	10	start	start	VERB
fsr-3403	349	11	investing	invest	VERB
fsr-3403	349	12	in	in	ADP
fsr-3403	349	13	risky	risky	ADJ
fsr-3403	349	14	assets	asset	NOUN
fsr-3403	349	15	,	,	PUNCT
fsr-3403	349	16	it	it	PRON
fsr-3403	349	17	does	do	AUX
fsr-3403	349	18	affect	affect	VERB
fsr-3403	349	19	the	the	DET
fsr-3403	349	20	share	share	NOUN
fsr-3403	349	21	of	of	ADP
fsr-3403	349	22	financial	financial	ADJ
fsr-3403	349	23	assets	asset	NOUN
fsr-3403	349	24	allocated	allocate	VERB
fsr-3403	349	25	in	in	ADP
fsr-3403	349	26	risky	risky	ADJ
fsr-3403	349	27	assets	asset	NOUN
fsr-3403	349	28	for	for	ADP
fsr-3403	349	29	those	those	PRON
fsr-3403	349	30	that	that	PRON
fsr-3403	349	31	are	be	AUX
fsr-3403	349	32	already	already	ADV
fsr-3403	349	33	investing	invest	VERB
fsr-3403	349	34	.	.	PUNCT
fsr-3403	350	1	we	we	PRON
fsr-3403	350	2	then	then	ADV
fsr-3403	350	3	allow	allow	VERB
fsr-3403	350	4	the	the	DET
fsr-3403	350	5	potential	potential	ADJ
fsr-3403	350	6	simultaneity	simultaneity	NOUN
fsr-3403	350	7	in	in	ADP
fsr-3403	350	8	the	the	DET
fsr-3403	350	9	decisions	decision	NOUN
fsr-3403	350	10	of	of	ADP
fsr-3403	350	11	household	household	NOUN
fsr-3403	350	12	debt	debt	NOUN
fsr-3403	350	13	structure	structure	NOUN
fsr-3403	350	14	and	and	CCONJ
fsr-3403	350	15	asset	asset	NOUN
fsr-3403	350	16	allocation	allocation	NOUN
fsr-3403	350	17	by	by	ADP
fsr-3403	350	18	applying	apply	VERB
fsr-3403	350	19	a	a	DET
fsr-3403	350	20	bivariate	bivariate	ADJ
fsr-3403	350	21	tobit	tobit	NOUN
fsr-3403	350	22	model	model	NOUN
fsr-3403	350	23	.	.	PUNCT
fsr-3403	351	1	this	this	DET
fsr-3403	351	2	setup	setup	NOUN
fsr-3403	351	3	clarifies	clarify	VERB
fsr-3403	351	4	some	some	DET
fsr-3403	351	5	contradicting	contradict	VERB
fsr-3403	351	6	conclusions	conclusion	NOUN
fsr-3403	351	7	from	from	ADP
fsr-3403	351	8	the	the	DET
fsr-3403	351	9	previous	previous	ADJ
fsr-3403	351	10	studies	study	NOUN
fsr-3403	351	11	that	that	PRON
fsr-3403	351	12	neglect	neglect	VERB
fsr-3403	351	13	the	the	DET
fsr-3403	351	14	simultaneity	simultaneity	NOUN
fsr-3403	351	15	of	of	ADP
fsr-3403	351	16	choices	choice	NOUN
fsr-3403	351	17	and	and	CCONJ
fsr-3403	351	18	allows	allow	VERB
fsr-3403	351	19	us	we	PRON
fsr-3403	351	20	to	to	PART
fsr-3403	351	21	identify	identify	VERB
fsr-3403	351	22	the	the	DET
fsr-3403	351	23	demographic	demographic	ADJ
fsr-3403	351	24	and	and	CCONJ
fsr-3403	351	25	financial	financial	ADJ
fsr-3403	351	26	factors	factor	NOUN
fsr-3403	351	27	that	that	PRON
fsr-3403	351	28	contribute	contribute	VERB
fsr-3403	351	29	to	to	ADP
fsr-3403	351	30	the	the	DET
fsr-3403	351	31	households	household	NOUN
fsr-3403	351	32	’	'	PUNCT
fsr-3403	351	33	overall	overall	ADJ
fsr-3403	351	34	financial	financial	ADJ
fsr-3403	351	35	portfolio	portfolio	NOUN
fsr-3403	351	36	structure	structure	NOUN
fsr-3403	351	37	.	.	PUNCT
fsr-3403	352	1	it	it	PRON
fsr-3403	352	2	also	also	ADV
fsr-3403	352	3	allows	allow	VERB
fsr-3403	352	4	us	we	PRON
fsr-3403	352	5	to	to	PART
fsr-3403	352	6	gain	gain	VERB
fsr-3403	352	7	insights	insight	NOUN
fsr-3403	352	8	into	into	ADP
fsr-3403	352	9	the	the	DET
fsr-3403	352	10	factors	factor	NOUN
fsr-3403	352	11	affecting	affect	VERB
fsr-3403	352	12	the	the	DET
fsr-3403	352	13	households	household	NOUN
fsr-3403	352	14	’	'	PUNCT
fsr-3403	352	15	vulnerability	vulnerability	NOUN
fsr-3403	352	16	to	to	ADP
fsr-3403	352	17	adverse	adverse	ADJ
fsr-3403	352	18	changes	change	NOUN
fsr-3403	352	19	in	in	ADP
fsr-3403	352	20	the	the	DET
fsr-3403	352	21	financial	financial	ADJ
fsr-3403	352	22	market	market	NOUN
fsr-3403	352	23	.	.	PUNCT
fsr-3403	353	1	the	the	DET
fsr-3403	353	2	positive	positive	ADJ
fsr-3403	353	3	relationship	relationship	NOUN
fsr-3403	353	4	between	between	ADP
fsr-3403	353	5	the	the	DET
fsr-3403	353	6	committed	committed	ADJ
fsr-3403	353	7	expense	expense	NOUN
fsr-3403	353	8	ratio	ratio	NOUN
fsr-3403	353	9	and	and	CCONJ
fsr-3403	353	10	the	the	DET
fsr-3403	353	11	share	share	NOUN
fsr-3403	353	12	of	of	ADP
fsr-3403	353	13	risky	risky	ADJ
fsr-3403	353	14	assets	asset	NOUN
fsr-3403	353	15	investment	investment	NOUN
fsr-3403	353	16	supports	support	VERB
fsr-3403	353	17	the	the	DET
fsr-3403	353	18	argument	argument	NOUN
fsr-3403	353	19	that	that	SCONJ
fsr-3403	353	20	households	household	NOUN
fsr-3403	353	21	invest	invest	VERB
fsr-3403	353	22	in	in	ADP
fsr-3403	353	23	risky	risky	ADJ
fsr-3403	353	24	assets	asset	NOUN
fsr-3403	353	25	to	to	PART
fsr-3403	353	26	pay	pay	VERB
fsr-3403	353	27	off	off	ADP
fsr-3403	353	28	the	the	DET
fsr-3403	353	29	debt	debt	NOUN
fsr-3403	353	30	(	(	PUNCT
fsr-3403	353	31	brown	brown	ADJ
fsr-3403	353	32	and	and	CCONJ
fsr-3403	353	33	tyler	tyler	NOUN
fsr-3403	353	34	,	,	PUNCT
fsr-3403	353	35	2008	2008	NUM
fsr-3403	353	36	)	)	PUNCT
fsr-3403	353	37	.	.	PUNCT
fsr-3403	354	1	these	these	PRON
fsr-3403	354	2	are	be	AUX
fsr-3403	354	3	the	the	DET
fsr-3403	354	4	households	household	NOUN
fsr-3403	354	5	that	that	PRON
fsr-3403	354	6	are	be	AUX
fsr-3403	354	7	more	more	ADV
fsr-3403	354	8	vulnerable	vulnerable	ADJ
fsr-3403	354	9	in	in	ADP
fsr-3403	354	10	the	the	DET
fsr-3403	354	11	time	time	NOUN
fsr-3403	354	12	of	of	ADP
fsr-3403	354	13	financial	financial	ADJ
fsr-3403	354	14	market	market	NOUN
fsr-3403	354	15	down	down	ADP
fsr-3403	354	16	turns	turn	NOUN
fsr-3403	354	17	.	.	PUNCT
fsr-3403	355	1	holding	hold	VERB
fsr-3403	355	2	more	more	ADV
fsr-3403	355	3	risky	risky	ADJ
fsr-3403	355	4	assets	asset	NOUN
fsr-3403	355	5	with	with	ADP
fsr-3403	355	6	higher	high	ADJ
fsr-3403	355	7	secured	secure	VERB
fsr-3403	355	8	debt	debt	NOUN
fsr-3403	355	9	obligations	obligation	NOUN
fsr-3403	355	10	leaves	leave	VERB
fsr-3403	355	11	the	the	DET
fsr-3403	355	12	household	household	NOUN
fsr-3403	355	13	with	with	ADP
fsr-3403	355	14	an	an	DET
fsr-3403	355	15	unbalanced	unbalanced	ADJ
fsr-3403	355	16	financial	financial	ADJ
fsr-3403	355	17	portfolio	portfolio	NOUN
fsr-3403	355	18	exposed	expose	VERB
fsr-3403	355	19	to	to	ADP
fsr-3403	355	20	leveraged	leveraged	ADJ
fsr-3403	355	21	financial	financial	ADJ
fsr-3403	355	22	risks	risk	NOUN
fsr-3403	355	23	.	.	PUNCT
fsr-3403	356	1	such	such	ADJ
fsr-3403	356	2	households	household	NOUN
fsr-3403	356	3	need	need	VERB
fsr-3403	356	4	to	to	PART
fsr-3403	356	5	be	be	AUX
fsr-3403	356	6	targeted	target	VERB
fsr-3403	356	7	for	for	ADP
fsr-3403	356	8	financial	financial	ADJ
fsr-3403	356	9	advice	advice	NOUN
fsr-3403	356	10	.	.	PUNCT
fsr-3403	357	1	better	well	ADJ
fsr-3403	357	2	educated	educate	VERB
fsr-3403	357	3	household	household	NOUN
fsr-3403	357	4	heads	head	NOUN
fsr-3403	357	5	seem	seem	VERB
fsr-3403	357	6	to	to	PART
fsr-3403	357	7	better	well	ADV
fsr-3403	357	8	take	take	VERB
fsr-3403	357	9	advantage	advantage	NOUN
fsr-3403	357	10	of	of	ADP
fsr-3403	357	11	higher	high	ADJ
fsr-3403	357	12	return	return	NOUN
fsr-3403	357	13	from	from	ADP
fsr-3403	357	14	risky	risky	ADJ
fsr-3403	357	15	assets	asset	NOUN
fsr-3403	357	16	without	without	ADP
fsr-3403	357	17	being	be	AUX
fsr-3403	357	18	significantly	significantly	ADV
fsr-3403	357	19	constrained	constrain	VERB
fsr-3403	357	20	by	by	ADP
fsr-3403	357	21	the	the	DET
fsr-3403	357	22	illiquidity	illiquidity	NOUN
fsr-3403	357	23	caused	cause	VERB
fsr-3403	357	24	by	by	ADP
fsr-3403	357	25	the	the	DET
fsr-3403	357	26	secured	secure	VERB
fsr-3403	357	27	debt	debt	NOUN
fsr-3403	357	28	.	.	PUNCT
fsr-3403	358	1	lower	low	ADJ
fsr-3403	358	2	income	income	NOUN
fsr-3403	358	3	households	household	NOUN
fsr-3403	358	4	are	be	AUX
fsr-3403	358	5	less	less	ADV
fsr-3403	358	6	likely	likely	ADJ
fsr-3403	358	7	to	to	PART
fsr-3403	358	8	participate	participate	VERB
fsr-3403	358	9	in	in	ADP
fsr-3403	358	10	investing	invest	VERB
fsr-3403	358	11	risky	risky	ADJ
fsr-3403	358	12	assets	asset	NOUN
fsr-3403	358	13	and	and	CCONJ
fsr-3403	358	14	tend	tend	VERB
fsr-3403	358	15	to	to	PART
fsr-3403	358	16	invest	invest	VERB
fsr-3403	358	17	less	less	ADJ
fsr-3403	358	18	,	,	PUNCT
fsr-3403	358	19	but	but	CCONJ
fsr-3403	358	20	they	they	PRON
fsr-3403	358	21	hold	hold	VERB
fsr-3403	358	22	relatively	relatively	ADV
fsr-3403	358	23	more	more	ADV
fsr-3403	358	24	unsecured	unsecured	ADJ
fsr-3403	358	25	debts	debt	NOUN
fsr-3403	358	26	,	,	PUNCT
fsr-3403	358	27	which	which	PRON
fsr-3403	358	28	typically	typically	ADV
fsr-3403	358	29	incur	incur	VERB
fsr-3403	358	30	higher	high	ADJ
fsr-3403	358	31	interest	interest	NOUN
fsr-3403	358	32	expenses	expense	NOUN
fsr-3403	358	33	.	.	PUNCT
fsr-3403	359	1	if	if	SCONJ
fsr-3403	359	2	provided	provide	VERB
fsr-3403	359	3	with	with	ADP
fsr-3403	359	4	the	the	DET
fsr-3403	359	5	investment	investment	NOUN
fsr-3403	359	6	opportunities	opportunity	NOUN
fsr-3403	359	7	and	and	CCONJ
fsr-3403	359	8	are	be	AUX
fsr-3403	359	9	better	well	ADV
fsr-3403	359	10	informed	inform	VERB
fsr-3403	359	11	about	about	ADP
fsr-3403	359	12	financial	financial	ADJ
fsr-3403	359	13	matters	matter	NOUN
fsr-3403	359	14	,	,	PUNCT
fsr-3403	359	15	they	they	PRON
fsr-3403	359	16	may	may	AUX
fsr-3403	359	17	be	be	AUX
fsr-3403	359	18	able	able	ADJ
fsr-3403	359	19	to	to	PART
fsr-3403	359	20	exploit	exploit	VERB
fsr-3403	359	21	the	the	DET
fsr-3403	359	22	wealth	wealth	NOUN
fsr-3403	359	23	-	-	PUNCT
fsr-3403	359	24	generating	generate	VERB
fsr-3403	359	25	potential	potential	NOUN
fsr-3403	359	26	of	of	ADP
fsr-3403	359	27	the	the	DET
fsr-3403	359	28	equity	equity	NOUN
fsr-3403	359	29	premium	premium	NOUN
fsr-3403	359	30	.	.	PUNCT
fsr-3403	360	1	this	this	DET
fsr-3403	360	2	further	far	ADV
fsr-3403	360	3	affirms	affirm	VERB
fsr-3403	360	4	the	the	DET
fsr-3403	360	5	importance	importance	NOUN
fsr-3403	360	6	of	of	ADP
fsr-3403	360	7	financial	financial	ADJ
fsr-3403	360	8	literacy	literacy	NOUN
fsr-3403	360	9	education	education	NOUN
fsr-3403	360	10	.	.	PUNCT
fsr-3403	361	1	notes	note	VERB
fsr-3403	361	2	1	1	NUM
fsr-3403	361	3	cox	cox	PROPN
fsr-3403	361	4	and	and	CCONJ
fsr-3403	361	5	jappelli	jappelli	PROPN
fsr-3403	361	6	(	(	PUNCT
fsr-3403	361	7	1993	1993	NUM
fsr-3403	361	8	)	)	PUNCT
fsr-3403	361	9	introduce	introduce	VERB
fsr-3403	361	10	a	a	DET
fsr-3403	361	11	three	three	NUM
fsr-3403	361	12	-	-	PUNCT
fsr-3403	361	13	equation	equation	NOUN
fsr-3403	361	14	generalized	generalize	VERB
fsr-3403	361	15	tobit	tobit	NOUN
fsr-3403	361	16	model	model	NOUN
fsr-3403	361	17	,	,	PUNCT
fsr-3403	361	18	where	where	SCONJ
fsr-3403	361	19	the	the	DET
fsr-3403	361	20	authors	author	NOUN
fsr-3403	361	21	add	add	VERB
fsr-3403	361	22	one	one	NUM
fsr-3403	361	23	additional	additional	ADJ
fsr-3403	361	24	participation	participation	NOUN
fsr-3403	361	25	equation	equation	NOUN
fsr-3403	361	26	.	.	PUNCT
fsr-3403	362	1	2	2	NUM
fsr-3403	362	2	for	for	ADP
fsr-3403	362	3	probit	probit	NOUN
fsr-3403	362	4	models	model	NOUN
fsr-3403	362	5	with	with	ADP
fsr-3403	362	6	standard	standard	ADJ
fsr-3403	362	7	normal	normal	ADJ
fsr-3403	362	8	density	density	NOUN
fsr-3403	362	9	,	,	PUNCT
fsr-3403	362	10	the	the	DET
fsr-3403	362	11	hazard	hazard	NOUN
fsr-3403	362	12	is	be	AUX
fsr-3403	362	13	equal	equal	ADJ
fsr-3403	362	14	to	to	ADP
fsr-3403	362	15	the	the	DET
fsr-3403	362	16	inverse	inverse	NOUN
fsr-3403	362	17	mill	mill	NOUN
fsr-3403	362	18	’s	’s	PART
fsr-3403	362	19	ratio	ratio	NOUN
fsr-3403	362	20	.	.	PUNCT
fsr-3403	363	1	3	3	NUM
fsr-3403	363	2	similar	similar	ADJ
fsr-3403	363	3	setup	setup	NOUN
fsr-3403	363	4	is	be	AUX
fsr-3403	363	5	adopted	adopt	VERB
fsr-3403	363	6	by	by	ADP
fsr-3403	363	7	brown	brown	NOUN
fsr-3403	363	8	and	and	CCONJ
fsr-3403	363	9	taylor	taylor	PROPN
fsr-3403	363	10	(	(	PUNCT
fsr-3403	363	11	2008	2008	NUM
fsr-3403	363	12	)	)	PUNCT
fsr-3403	363	13	.	.	PUNCT
fsr-3403	364	1	4	4	NUM
fsr-3403	364	2	to	to	PART
fsr-3403	364	3	obtain	obtain	VERB
fsr-3403	364	4	a	a	DET
fsr-3403	364	5	clearer	clear	ADJ
fsr-3403	364	6	picture	picture	NOUN
fsr-3403	364	7	of	of	ADP
fsr-3403	364	8	how	how	SCONJ
fsr-3403	364	9	aggregate	aggregate	ADJ
fsr-3403	364	10	holdings	holding	NOUN
fsr-3403	364	11	of	of	ADP
fsr-3403	364	12	various	various	ADJ
fsr-3403	364	13	asset	asset	NOUN
fsr-3403	364	14	categories	category	NOUN
fsr-3403	364	15	are	be	AUX
fsr-3403	364	16	related	relate	VERB
fsr-3403	364	17	to	to	ADP
fsr-3403	364	18	household	household	NOUN
fsr-3403	364	19	-	-	PUNCT
fsr-3403	364	20	level	level	NOUN
fsr-3403	364	21	characteristics	characteristic	NOUN
fsr-3403	364	22	,	,	PUNCT
fsr-3403	364	23	the	the	DET
fsr-3403	364	24	scf	scf	PROPN
fsr-3403	364	25	tends	tend	VERB
fsr-3403	364	26	to	to	ADP
fsr-3403	364	27	oversample	oversample	ADJ
fsr-3403	364	28	wealthy	wealthy	ADJ
fsr-3403	364	29	households	household	NOUN
fsr-3403	364	30	,	,	PUNCT
fsr-3403	364	31	because	because	SCONJ
fsr-3403	364	32	the	the	DET
fsr-3403	364	33	wealthy	wealthy	ADJ
fsr-3403	364	34	segment	segment	NOUN
fsr-3403	364	35	holds	hold	VERB
fsr-3403	364	36	most	most	ADJ
fsr-3403	364	37	assets	asset	NOUN
fsr-3403	364	38	(	(	PUNCT
fsr-3403	364	39	guiso	guiso	PROPN
fsr-3403	364	40	et	et	PROPN
fsr-3403	364	41	.	.	PUNCT
fsr-3403	365	1	al	al	PROPN
fsr-3403	365	2	.	.	PROPN
fsr-3403	365	3	,	,	PUNCT
fsr-3403	365	4	2002	2002	NUM
fsr-3403	365	5	;	;	PUNCT
fsr-3403	365	6	perraudin	perraudin	NOUN
fsr-3403	365	7	and	and	CCONJ
fsr-3403	365	8	sorensen	sorensen	PROPN
fsr-3403	365	9	,	,	PUNCT
fsr-3403	365	10	2000	2000	NUM
fsr-3403	365	11	)	)	PUNCT
fsr-3403	365	12	.	.	PUNCT
fsr-3403	366	1	5	5	NUM
fsr-3403	366	2	cardak	cardak	NOUN
fsr-3403	366	3	and	and	CCONJ
fsr-3403	366	4	wilkins	wilkins	PROPN
fsr-3403	366	5	(	(	PUNCT
fsr-3403	366	6	2009	2009	NUM
fsr-3403	366	7	)	)	PUNCT
fsr-3403	366	8	point	point	VERB
fsr-3403	366	9	out	out	ADP
fsr-3403	366	10	that	that	SCONJ
fsr-3403	366	11	labor	labor	NOUN
fsr-3403	366	12	uncertainty	uncertainty	NOUN
fsr-3403	366	13	and	and	CCONJ
fsr-3403	366	14	health	health	NOUN
fsr-3403	366	15	risk	risk	NOUN
fsr-3403	366	16	are	be	AUX
fsr-3403	366	17	the	the	DET
fsr-3403	366	18	two	two	NUM
fsr-3403	366	19	major	major	ADJ
fsr-3403	366	20	background	background	NOUN
fsr-3403	366	21	risk	risk	NOUN
fsr-3403	366	22	factors	factor	NOUN
fsr-3403	366	23	.	.	PUNCT
fsr-3403	367	1	6	6	NUM
fsr-3403	367	2	some	some	DET
fsr-3403	367	3	variables	variable	NOUN
fsr-3403	367	4	,	,	PUNCT
fsr-3403	367	5	for	for	ADP
fsr-3403	367	6	example	example	NOUN
fsr-3403	367	7	,	,	PUNCT
fsr-3403	367	8	marital	marital	ADJ
fsr-3403	367	9	status	status	NOUN
fsr-3403	367	10	,	,	PUNCT
fsr-3403	367	11	are	be	AUX
fsr-3403	367	12	omitted	omit	VERB
fsr-3403	367	13	to	to	PART
fsr-3403	367	14	avoid	avoid	VERB
fsr-3403	367	15	multicollinearity	multicollinearity	NOUN
fsr-3403	367	16	problem	problem	NOUN
fsr-3403	367	17	.	.	PUNCT
fsr-3403	368	1	the	the	DET
fsr-3403	368	2	remaining	remain	VERB
fsr-3403	368	3	independent	independent	ADJ
fsr-3403	368	4	variables	variable	NOUN
fsr-3403	368	5	in	in	ADP
fsr-3403	368	6	the	the	DET
fsr-3403	368	7	equations	equation	NOUN
fsr-3403	368	8	all	all	PRON
fsr-3403	368	9	have	have	VERB
fsr-3403	368	10	very	very	ADV
fsr-3403	368	11	low	low	ADJ
fsr-3403	368	12	correlation	correlation	NOUN
fsr-3403	368	13	coefficients	coefficient	NOUN
fsr-3403	368	14	.	.	PUNCT
fsr-3403	369	1	342	342	NUM
fsr-3403	369	2	r.	r.	PROPN
fsr-3403	369	3	tao	tao	PROPN
fsr-3403	369	4	,	,	PUNCT
fsr-3403	369	5	y.	y.	PROPN
fsr-3403	369	6	yuan	yuan	PROPN
fsr-3403	369	7	/	/	SYM
fsr-3403	369	8	financial	financial	ADJ
fsr-3403	369	9	services	service	NOUN
fsr-3403	369	10	review	review	VERB
fsr-3403	369	11	27	27	NUM
fsr-3403	369	12	(	(	PUNCT
fsr-3403	369	13	2018	2018	NUM
fsr-3403	369	14	)	)	PUNCT
fsr-3403	369	15	325	325	NUM
fsr-3403	369	16	-	-	SYM
fsr-3403	369	17	344	344	NUM
fsr-3403	369	18	7	7	NUM
fsr-3403	369	19	as	as	SCONJ
fsr-3403	369	20	discussed	discuss	VERB
fsr-3403	369	21	in	in	ADP
fsr-3403	369	22	section	section	NOUN
fsr-3403	369	23	3.1	3.1	NUM
fsr-3403	369	24	.	.	PUNCT
fsr-3403	370	1	(	(	PUNCT
fsr-3403	370	2	under	under	ADP
fsr-3403	370	3	eq	eq	NOUN
fsr-3403	370	4	.	.	PROPN
fsr-3403	370	5	13	13	NUM
fsr-3403	370	6	)	)	PUNCT
fsr-3403	370	7	,	,	PUNCT
fsr-3403	370	8	the	the	DET
fsr-3403	370	9	marginal	marginal	ADJ
fsr-3403	370	10	effect	effect	NOUN
fsr-3403	370	11	�	�	PROPN
fsr-3403	370	12	e[y	e[y	PROPN
fsr-3403	370	13	�	�	PROPN
fsr-3403	370	14	x]/	x]/	SYM
fsr-3403	370	15	�	�	PROPN
fsr-3403	370	16	x	x	X
fsr-3403	370	17	is	be	AUX
fsr-3403	370	18	�	�	X
fsr-3403	370	19	2	2	NUM
fsr-3403	370	20	in	in	ADP
fsr-3403	370	21	the	the	DET
fsr-3403	370	22	outcome	outcome	NOUN
fsr-3403	370	23	equation	equation	NOUN
fsr-3403	370	24	.	.	PUNCT
fsr-3403	371	1	the	the	DET
fsr-3403	371	2	economic	economic	ADJ
fsr-3403	371	3	significance	significance	NOUN
fsr-3403	371	4	of	of	ADP
fsr-3403	371	5	secured	secured	ADJ
fsr-3403	371	6	debt	debt	NOUN
fsr-3403	371	7	is	be	AUX
fsr-3403	371	8	calculated	calculate	VERB
fsr-3403	371	9	using	use	VERB
fsr-3403	371	10	median	median	ADJ
fsr-3403	371	11	values	value	NOUN
fsr-3403	371	12	of	of	ADP
fsr-3403	371	13	households	household	NOUN
fsr-3403	371	14	’	'	PUNCT
fsr-3403	371	15	financial	financial	ADJ
fsr-3403	371	16	assets	asset	NOUN
fsr-3403	371	17	(	(	PUNCT
fsr-3403	371	18	$	$	SYM
fsr-3403	371	19	48,690	48,690	NUM
fsr-3403	371	20	)	)	PUNCT
fsr-3403	371	21	,	,	PUNCT
fsr-3403	371	22	risky	risky	ADJ
fsr-3403	371	23	assets	asset	NOUN
fsr-3403	371	24	(	(	PUNCT
fsr-3403	371	25	$	$	SYM
fsr-3403	371	26	8,345	8,345	NUM
fsr-3403	371	27	)	)	PUNCT
fsr-3403	371	28	,	,	PUNCT
fsr-3403	371	29	riskyasset	riskyasset	VERB
fsr-3403	371	30	ratio	ratio	NOUN
fsr-3403	371	31	(	(	PUNCT
fsr-3403	371	32	0.4093	0.4093	NUM
fsr-3403	371	33	)	)	PUNCT
fsr-3403	371	34	,	,	PUNCT
fsr-3403	371	35	and	and	CCONJ
fsr-3403	371	36	the	the	DET
fsr-3403	371	37	marginal	marginal	ADJ
fsr-3403	371	38	effect	effect	NOUN
fsr-3403	371	39	(	(	PUNCT
fsr-3403	371	40	estimated	estimate	VERB
fsr-3403	371	41	coefficient	coefficient	NOUN
fsr-3403	371	42	)	)	PUNCT
fsr-3403	371	43	of	of	ADP
fsr-3403	371	44	0.04	0.04	NUM
fsr-3403	371	45	.	.	NOUN
fsr-3403	371	46	8	8	NUM
fsr-3403	371	47	as	as	SCONJ
fsr-3403	371	48	discussed	discuss	VERB
fsr-3403	371	49	in	in	ADP
fsr-3403	371	50	section	section	NOUN
fsr-3403	371	51	3.1	3.1	NUM
fsr-3403	371	52	.	.	PUNCT
fsr-3403	372	1	(	(	PUNCT
fsr-3403	372	2	under	under	ADP
fsr-3403	372	3	eq	eq	NOUN
fsr-3403	372	4	.	.	PROPN
fsr-3403	372	5	13	13	NUM
fsr-3403	372	6	)	)	PUNCT
fsr-3403	372	7	,	,	PUNCT
fsr-3403	372	8	the	the	DET
fsr-3403	372	9	marginal	marginal	ADJ
fsr-3403	372	10	effect	effect	NOUN
fsr-3403	372	11	of	of	ADP
fsr-3403	372	12	variable	variable	NOUN
fsr-3403	372	13	xj	xj	PROPN
fsr-3403	372	14	in	in	ADP
fsr-3403	372	15	the	the	DET
fsr-3403	372	16	participation	participation	NOUN
fsr-3403	372	17	equation	equation	NOUN
fsr-3403	372	18	is	be	AUX
fsr-3403	372	19	given	give	VERB
fsr-3403	372	20	by	by	ADP
fsr-3403	372	21	�	�	PROPN
fsr-3403	372	22	p	p	NOUN
fsr-3403	372	23	�	�	PROPN
fsr-3403	372	24	x	x	PROPN
fsr-3403	372	25	�	�	PROPN
fsr-3403	372	26	�	�	PROPN
fsr-3403	372	27	xi	xi	PROPN
fsr-3403	372	28	�	�	PROPN
fsr-3403	372	29	�	�	PROPN
fsr-3403	372	30	j	j	PROPN
fsr-3403	372	31	�	�	PROPN
fsr-3403	372	32	�	�	PROPN
fsr-3403	372	33	x	x	SYM
fsr-3403	372	34	�	�	PROPN
fsr-3403	372	35	�	�	PROPN
fsr-3403	372	36	�	�	PROPN
fsr-3403	372	37	.	.	PUNCT
fsr-3403	373	1	the	the	DET
fsr-3403	373	2	marginal	marginal	ADJ
fsr-3403	373	3	effect	effect	NOUN
fsr-3403	373	4	of	of	ADP
fsr-3403	373	5	a	a	DET
fsr-3403	373	6	dummy	dummy	ADJ
fsr-3403	373	7	variable	variable	NOUN
fsr-3403	373	8	is	be	AUX
fsr-3403	373	9	the	the	DET
fsr-3403	373	10	change	change	NOUN
fsr-3403	373	11	in	in	ADP
fsr-3403	373	12	predicted	predict	VERB
fsr-3403	373	13	probabilities	probability	NOUN
fsr-3403	373	14	when	when	SCONJ
fsr-3403	373	15	the	the	DET
fsr-3403	373	16	dummy	dummy	ADJ
fsr-3403	373	17	variable	variable	NOUN
fsr-3403	373	18	changes	change	NOUN
fsr-3403	373	19	from	from	ADP
fsr-3403	373	20	0	0	NUM
fsr-3403	373	21	to	to	PART
fsr-3403	373	22	1	1	NUM
fsr-3403	373	23	while	while	SCONJ
fsr-3403	373	24	all	all	DET
fsr-3403	373	25	other	other	ADJ
fsr-3403	373	26	variables	variable	NOUN
fsr-3403	373	27	are	be	AUX
fsr-3403	373	28	kept	keep	VERB
fsr-3403	373	29	at	at	ADP
fsr-3403	373	30	their	their	PRON
fsr-3403	373	31	means	mean	NOUN
fsr-3403	373	32	.	.	PUNCT
fsr-3403	374	1	references	reference	NOUN
fsr-3403	374	2	addoum	addoum	PROPN
fsr-3403	374	3	,	,	PUNCT
fsr-3403	374	4	j.	j.	PROPN
fsr-3403	374	5	m.	m.	PROPN
fsr-3403	374	6	(	(	PUNCT
fsr-3403	374	7	2017	2017	NUM
fsr-3403	374	8	)	)	PUNCT
fsr-3403	374	9	.	.	PUNCT
fsr-3403	375	1	household	household	NOUN
fsr-3403	375	2	portfolio	portfolio	NOUN
fsr-3403	375	3	choice	choice	NOUN
fsr-3403	375	4	and	and	CCONJ
fsr-3403	375	5	retirement	retirement	NOUN
fsr-3403	375	6	.	.	PUNCT
fsr-3403	376	1	review	review	NOUN
fsr-3403	376	2	of	of	ADP
fsr-3403	376	3	economics	economic	NOUN
fsr-3403	376	4	and	and	CCONJ
fsr-3403	376	5	statistics	statistic	NOUN
fsr-3403	376	6	,	,	PUNCT
fsr-3403	376	7	99	99	NUM
fsr-3403	376	8	,	,	PUNCT
fsr-3403	376	9	870–883	870–883	NUM
fsr-3403	376	10	.	.	PUNCT
fsr-3403	377	1	bailey	bailey	PROPN
fsr-3403	377	2	,	,	PUNCT
fsr-3403	377	3	w.	w.	PROPN
fsr-3403	377	4	,	,	PUNCT
fsr-3403	377	5	kumar	kumar	PROPN
fsr-3403	377	6	,	,	PUNCT
fsr-3403	377	7	a.	a.	PROPN
fsr-3403	377	8	,	,	PUNCT
fsr-3403	377	9	&	&	CCONJ
fsr-3403	377	10	ng	ng	PROPN
fsr-3403	377	11	,	,	PUNCT
fsr-3403	377	12	d.	d.	PROPN
fsr-3403	377	13	(	(	PUNCT
fsr-3403	377	14	2011	2011	NUM
fsr-3403	377	15	)	)	PUNCT
fsr-3403	377	16	.	.	PUNCT
fsr-3403	378	1	behavioral	behavioral	ADJ
fsr-3403	378	2	biases	bias	NOUN
fsr-3403	378	3	of	of	ADP
fsr-3403	378	4	mutual	mutual	ADJ
fsr-3403	378	5	fund	fund	NOUN
fsr-3403	378	6	investors	investor	NOUN
fsr-3403	378	7	.	.	PUNCT
fsr-3403	379	1	journal	journal	PROPN
fsr-3403	379	2	of	of	ADP
fsr-3403	379	3	financial	financial	ADJ
fsr-3403	379	4	economics	economic	NOUN
fsr-3403	379	5	,	,	PUNCT
fsr-3403	379	6	102	102	NUM
fsr-3403	379	7	,	,	PUNCT
fsr-3403	379	8	1–27	1–27	PROPN
fsr-3403	379	9	.	.	PUNCT
fsr-3403	379	10	basnet	basnet	PROPN
fsr-3403	379	11	,	,	PUNCT
fsr-3403	379	12	h.	h.	PROPN
fsr-3403	379	13	c.	c.	PROPN
fsr-3403	379	14	,	,	PUNCT
fsr-3403	379	15	&	&	CCONJ
fsr-3403	379	16	donou	donou	PROPN
fsr-3403	379	17	-	-	PUNCT
fsr-3403	379	18	adonsou	adonsou	PROPN
fsr-3403	379	19	,	,	PUNCT
fsr-3403	379	20	f.	f.	PROPN
fsr-3403	379	21	(	(	PUNCT
fsr-3403	379	22	2016	2016	NUM
fsr-3403	379	23	)	)	PUNCT
fsr-3403	379	24	.	.	PUNCT
fsr-3403	380	1	internet	internet	NOUN
fsr-3403	380	2	,	,	PUNCT
fsr-3403	380	3	consumer	consumer	NOUN
fsr-3403	380	4	spending	spending	NOUN
fsr-3403	380	5	and	and	CCONJ
fsr-3403	380	6	credit	credit	NOUN
fsr-3403	380	7	card	card	NOUN
fsr-3403	380	8	balance	balance	NOUN
fsr-3403	380	9	:	:	PUNCT
fsr-3403	380	10	evidence	evidence	NOUN
fsr-3403	380	11	from	from	ADP
fsr-3403	380	12	u.s	u.s	PROPN
fsr-3403	380	13	.	.	PROPN
fsr-3403	380	14	consumers	consumer	NOUN
fsr-3403	380	15	.	.	PUNCT
fsr-3403	381	1	review	review	NOUN
fsr-3403	381	2	of	of	ADP
fsr-3403	381	3	financial	financial	ADJ
fsr-3403	381	4	economics	economic	NOUN
fsr-3403	381	5	,	,	PUNCT
fsr-3403	381	6	30	30	NUM
fsr-3403	381	7	,	,	PUNCT
fsr-3403	381	8	11–22	11–22	NUM
fsr-3403	381	9	.	.	PUNCT
fsr-3403	382	1	basnet	basnet	PROPN
fsr-3403	382	2	,	,	PUNCT
fsr-3403	382	3	h.	h.	PROPN
fsr-3403	382	4	c.	c.	PROPN
fsr-3403	382	5	,	,	PUNCT
fsr-3403	382	6	&	&	CCONJ
fsr-3403	382	7	donou	donou	PROPN
fsr-3403	382	8	-	-	PUNCT
fsr-3403	382	9	adonsou	adonsou	PROPN
fsr-3403	382	10	,	,	PUNCT
fsr-3403	382	11	f.	f.	PROPN
fsr-3403	382	12	(	(	PUNCT
fsr-3403	382	13	2018	2018	NUM
fsr-3403	382	14	)	)	PUNCT
fsr-3403	382	15	.	.	PUNCT
fsr-3403	383	1	marriage	marriage	NOUN
fsr-3403	383	2	between	between	ADP
fsr-3403	383	3	credit	credit	NOUN
fsr-3403	383	4	cards	card	NOUN
fsr-3403	383	5	and	and	CCONJ
fsr-3403	383	6	the	the	DET
fsr-3403	383	7	internet	internet	NOUN
fsr-3403	383	8	:	:	PUNCT
fsr-3403	383	9	buying	buying	NOUN
fsr-3403	383	10	is	be	AUX
fsr-3403	383	11	just	just	ADV
fsr-3403	383	12	a	a	DET
fsr-3403	383	13	click	click	NOUN
fsr-3403	383	14	away	away	ADV
fsr-3403	383	15	!	!	PUNCT
fsr-3403	384	1	review	review	NOUN
fsr-3403	384	2	of	of	ADP
fsr-3403	384	3	financial	financial	ADJ
fsr-3403	384	4	economics	economic	NOUN
fsr-3403	384	5	,	,	PUNCT
fsr-3403	384	6	36	36	NUM
fsr-3403	384	7	,	,	PUNCT
fsr-3403	384	8	252–266	252–266	NUM
fsr-3403	384	9	.	.	PUNCT
fsr-3403	385	1	beaubrun	beaubrun	VERB
fsr-3403	385	2	-	-	PUNCT
fsr-3403	385	3	diant	diant	NOUN
fsr-3403	385	4	,	,	PUNCT
fsr-3403	385	5	k.	k.	PROPN
fsr-3403	385	6	e.	e.	PROPN
fsr-3403	385	7	,	,	PUNCT
fsr-3403	385	8	&	&	CCONJ
fsr-3403	385	9	maury	maury	PROPN
fsr-3403	385	10	,	,	PUNCT
fsr-3403	385	11	t.	t.	PROPN
fsr-3403	385	12	p.	p.	PROPN
fsr-3403	385	13	(	(	PUNCT
fsr-3403	385	14	2016	2016	NUM
fsr-3403	385	15	)	)	PUNCT
fsr-3403	385	16	.	.	PUNCT
fsr-3403	386	1	home	home	NOUN
fsr-3403	386	2	tenure	tenure	NOUN
fsr-3403	386	3	,	,	PUNCT
fsr-3403	386	4	stock	stock	NOUN
fsr-3403	386	5	market	market	NOUN
fsr-3403	386	6	participation	participation	NOUN
fsr-3403	386	7	,	,	PUNCT
fsr-3403	386	8	and	and	CCONJ
fsr-3403	386	9	composition	composition	NOUN
fsr-3403	386	10	of	of	ADP
fsr-3403	386	11	the	the	DET
fsr-3403	386	12	household	household	NOUN
fsr-3403	386	13	portfolio	portfolio	NOUN
fsr-3403	386	14	.	.	PUNCT
fsr-3403	387	1	journal	journal	PROPN
fsr-3403	387	2	of	of	ADP
fsr-3403	387	3	housing	housing	NOUN
fsr-3403	387	4	economics	economic	NOUN
fsr-3403	387	5	,	,	PUNCT
fsr-3403	387	6	32	32	NUM
fsr-3403	387	7	,	,	PUNCT
fsr-3403	387	8	1–17	1–17	PROPN
fsr-3403	387	9	.	.	PUNCT
fsr-3403	388	1	beer	beer	PROPN
fsr-3403	388	2	,	,	PUNCT
fsr-3403	388	3	c.	c.	PROPN
fsr-3403	388	4	,	,	PUNCT
fsr-3403	388	5	gnan	gnan	PROPN
fsr-3403	388	6	,	,	PUNCT
fsr-3403	388	7	e.	e.	PROPN
fsr-3403	388	8	,	,	PUNCT
fsr-3403	388	9	&	&	CCONJ
fsr-3403	388	10	ritzberger	ritzberger	NOUN
fsr-3403	388	11	-	-	PUNCT
fsr-3403	388	12	grünwald	grünwald	NOUN
fsr-3403	388	13	,	,	PUNCT
fsr-3403	388	14	d.	d.	PROPN
fsr-3403	388	15	(	(	PUNCT
fsr-3403	388	16	2016	2016	NUM
fsr-3403	388	17	)	)	PUNCT
fsr-3403	388	18	.	.	PUNCT
fsr-3403	389	1	saving	saving	NOUN
fsr-3403	389	2	,	,	PUNCT
fsr-3403	389	3	portfolio	portfolio	NOUN
fsr-3403	389	4	and	and	CCONJ
fsr-3403	389	5	loan	loan	NOUN
fsr-3403	389	6	decisions	decision	NOUN
fsr-3403	389	7	of	of	ADP
fsr-3403	389	8	households	household	NOUN
fsr-3403	389	9	when	when	SCONJ
fsr-3403	389	10	interest	interest	NOUN
fsr-3403	389	11	rates	rate	NOUN
fsr-3403	389	12	are	be	AUX
fsr-3403	389	13	very	very	ADV
fsr-3403	389	14	low	low	ADJ
fsr-3403	389	15	-	-	PUNCT
fsr-3403	389	16	survey	survey	NOUN
fsr-3403	389	17	evidence	evidence	NOUN
fsr-3403	389	18	for	for	ADP
fsr-3403	389	19	austrian	austrian	ADJ
fsr-3403	389	20	households	household	NOUN
fsr-3403	389	21	.	.	PUNCT
fsr-3403	390	1	monetary	monetary	ADJ
fsr-3403	390	2	policy	policy	NOUN
fsr-3403	390	3	&	&	CCONJ
fsr-3403	390	4	the	the	DET
fsr-3403	390	5	economy	economy	NOUN
fsr-3403	390	6	,	,	PUNCT
fsr-3403	390	7	1	1	NUM
fsr-3403	390	8	,	,	PUNCT
fsr-3403	390	9	14–32	14–32	NUM
fsr-3403	390	10	.	.	PUNCT
fsr-3403	391	1	bergstresser	bergstresser	NOUN
fsr-3403	391	2	,	,	PUNCT
fsr-3403	391	3	d.	d.	PROPN
fsr-3403	391	4	,	,	PUNCT
fsr-3403	391	5	&	&	CCONJ
fsr-3403	391	6	poterba	poterba	PROPN
fsr-3403	391	7	,	,	PUNCT
fsr-3403	391	8	j.	j.	PROPN
fsr-3403	391	9	(	(	PUNCT
fsr-3403	391	10	2004	2004	NUM
fsr-3403	391	11	)	)	PUNCT
fsr-3403	391	12	.	.	PUNCT
fsr-3403	392	1	asset	asset	NOUN
fsr-3403	392	2	allocation	allocation	NOUN
fsr-3403	392	3	and	and	CCONJ
fsr-3403	392	4	asset	asset	NOUN
fsr-3403	392	5	location	location	NOUN
fsr-3403	392	6	:	:	PUNCT
fsr-3403	392	7	household	household	NOUN
fsr-3403	392	8	evidence	evidence	NOUN
fsr-3403	392	9	from	from	ADP
fsr-3403	392	10	the	the	DET
fsr-3403	392	11	survey	survey	NOUN
fsr-3403	392	12	of	of	ADP
fsr-3403	392	13	consumer	consumer	NOUN
fsr-3403	392	14	finances	finance	NOUN
fsr-3403	392	15	.	.	PUNCT
fsr-3403	393	1	journal	journal	NOUN
fsr-3403	393	2	of	of	ADP
fsr-3403	393	3	public	public	ADJ
fsr-3403	393	4	economics	economic	NOUN
fsr-3403	393	5	,	,	PUNCT
fsr-3403	393	6	88	88	NUM
fsr-3403	393	7	,	,	PUNCT
fsr-3403	393	8	1893–1915	1893–1915	NUM
fsr-3403	393	9	.	.	PUNCT
fsr-3403	394	1	bertaut	bertaut	PROPN
fsr-3403	394	2	,	,	PUNCT
fsr-3403	394	3	c.	c.	PROPN
fsr-3403	394	4	c.	c.	PROPN
fsr-3403	394	5	,	,	PUNCT
fsr-3403	394	6	&	&	CCONJ
fsr-3403	394	7	haliassos	haliassos	NOUN
fsr-3403	394	8	,	,	PUNCT
fsr-3403	394	9	m.	m.	NOUN
fsr-3403	394	10	(	(	PUNCT
fsr-3403	394	11	1997	1997	NUM
fsr-3403	394	12	)	)	PUNCT
fsr-3403	394	13	.	.	PUNCT
fsr-3403	395	1	precautionary	precautionary	ADJ
fsr-3403	395	2	portfolio	portfolio	NOUN
fsr-3403	395	3	behavior	behavior	NOUN
fsr-3403	395	4	from	from	ADP
fsr-3403	395	5	a	a	DET
fsr-3403	395	6	life	life	NOUN
fsr-3403	395	7	-	-	PUNCT
fsr-3403	395	8	cycle	cycle	NOUN
fsr-3403	395	9	perspective	perspective	NOUN
fsr-3403	395	10	.	.	PUNCT
fsr-3403	396	1	board	board	NOUN
fsr-3403	396	2	of	of	ADP
fsr-3403	396	3	governors	governor	NOUN
fsr-3403	396	4	of	of	ADP
fsr-3403	396	5	the	the	DET
fsr-3403	396	6	federal	federal	PROPN
fsr-3403	396	7	reserve	reserve	PROPN
fsr-3403	396	8	system	system	PROPN
fsr-3403	396	9	working	working	NOUN
fsr-3403	396	10	paper	paper	NOUN
fsr-3403	396	11	,	,	PUNCT
fsr-3403	396	12	no	no	INTJ
fsr-3403	396	13	.	.	NOUN
fsr-3403	396	14	542	542	NUM
fsr-3403	396	15	.	.	PUNCT
fsr-3403	397	1	bilias	bilias	PROPN
fsr-3403	397	2	,	,	PUNCT
fsr-3403	397	3	y.	y.	PROPN
fsr-3403	397	4	,	,	PUNCT
fsr-3403	397	5	georgarakos	georgarakos	PROPN
fsr-3403	397	6	,	,	PUNCT
fsr-3403	397	7	d.	d.	PROPN
fsr-3403	397	8	,	,	PUNCT
fsr-3403	397	9	&	&	CCONJ
fsr-3403	397	10	haliassos	haliassos	NOUN
fsr-3403	397	11	,	,	PUNCT
fsr-3403	397	12	m.	m.	NOUN
fsr-3403	397	13	(	(	PUNCT
fsr-3403	397	14	2010	2010	NUM
fsr-3403	397	15	)	)	PUNCT
fsr-3403	397	16	.	.	PUNCT
fsr-3403	398	1	portfolio	portfolio	NOUN
fsr-3403	398	2	inertia	inertia	NOUN
fsr-3403	398	3	and	and	CCONJ
fsr-3403	398	4	stock	stock	NOUN
fsr-3403	398	5	market	market	NOUN
fsr-3403	398	6	fluctuations	fluctuation	NOUN
fsr-3403	398	7	.	.	PUNCT
fsr-3403	399	1	journal	journal	NOUN
fsr-3403	399	2	of	of	ADP
fsr-3403	399	3	money	money	NOUN
fsr-3403	399	4	,	,	PUNCT
fsr-3403	399	5	credit	credit	NOUN
fsr-3403	399	6	and	and	CCONJ
fsr-3403	399	7	banking	banking	NOUN
fsr-3403	399	8	,	,	PUNCT
fsr-3403	399	9	42	42	NUM
fsr-3403	399	10	,	,	PUNCT
fsr-3403	399	11	715–742	715–742	NUM
fsr-3403	399	12	.	.	PUNCT
fsr-3403	400	1	bogan	bogan	PROPN
fsr-3403	400	2	,	,	PUNCT
fsr-3403	400	3	v.	v.	PROPN
fsr-3403	400	4	l.	l.	PROPN
fsr-3403	400	5	(	(	PUNCT
fsr-3403	400	6	2013	2013	NUM
fsr-3403	400	7	)	)	PUNCT
fsr-3403	400	8	.	.	PUNCT
fsr-3403	401	1	household	household	NOUN
fsr-3403	401	2	investment	investment	NOUN
fsr-3403	401	3	decisions	decision	NOUN
fsr-3403	401	4	and	and	CCONJ
fsr-3403	401	5	offspring	offspring	NOUN
fsr-3403	401	6	gender	gender	NOUN
fsr-3403	401	7	:	:	PUNCT
fsr-3403	401	8	parental	parental	ADJ
fsr-3403	401	9	accounting	accounting	NOUN
fsr-3403	401	10	.	.	PUNCT
fsr-3403	402	1	applied	apply	VERB
fsr-3403	402	2	economics	economic	NOUN
fsr-3403	402	3	,	,	PUNCT
fsr-3403	402	4	45	45	NUM
fsr-3403	402	5	,	,	PUNCT
fsr-3403	402	6	4429–4442	4429–4442	NUM
fsr-3403	402	7	.	.	PUNCT
fsr-3403	402	8	brown	brown	PROPN
fsr-3403	402	9	,	,	PUNCT
fsr-3403	402	10	s.	s.	PROPN
fsr-3403	402	11	,	,	PUNCT
fsr-3403	402	12	garino	garino	PROPN
fsr-3403	402	13	,	,	PUNCT
fsr-3403	402	14	g.	g.	PROPN
fsr-3403	402	15	,	,	PUNCT
fsr-3403	402	16	taylor	taylor	PROPN
fsr-3403	402	17	,	,	PUNCT
fsr-3403	402	18	k.	k.	PROPN
fsr-3403	402	19	,	,	PUNCT
fsr-3403	402	20	&	&	CCONJ
fsr-3403	402	21	price	price	NOUN
fsr-3403	402	22	,	,	PUNCT
fsr-3403	402	23	s.	s.	PROPN
fsr-3403	402	24	w.	w.	PROPN
fsr-3403	402	25	(	(	PUNCT
fsr-3403	402	26	2005	2005	NUM
fsr-3403	402	27	)	)	PUNCT
fsr-3403	402	28	.	.	PUNCT
fsr-3403	403	1	debt	debt	NOUN
fsr-3403	403	2	and	and	CCONJ
fsr-3403	403	3	financial	financial	ADJ
fsr-3403	403	4	expectations	expectation	NOUN
fsr-3403	403	5	:	:	PUNCT
fsr-3403	403	6	an	an	DET
fsr-3403	403	7	individual	individual	ADJ
fsr-3403	403	8	and	and	CCONJ
fsr-3403	403	9	household	household	NOUN
fsr-3403	403	10	level	level	NOUN
fsr-3403	403	11	analysis	analysis	NOUN
fsr-3403	403	12	.	.	PUNCT
fsr-3403	404	1	economic	economic	ADJ
fsr-3403	404	2	inquiry	inquiry	NOUN
fsr-3403	404	3	,	,	PUNCT
fsr-3403	404	4	43	43	NUM
fsr-3403	404	5	,	,	PUNCT
fsr-3403	404	6	100–120	100–120	NUM
fsr-3403	404	7	.	.	PUNCT
fsr-3403	404	8	brown	brown	PROPN
fsr-3403	404	9	,	,	PUNCT
fsr-3403	404	10	s.	s.	PROPN
fsr-3403	404	11	,	,	PUNCT
fsr-3403	404	12	ghosh	ghosh	PROPN
fsr-3403	404	13	,	,	PUNCT
fsr-3403	404	14	p.	p.	PROPN
fsr-3403	404	15	,	,	PUNCT
fsr-3403	404	16	su	su	PROPN
fsr-3403	404	17	,	,	PUNCT
fsr-3403	404	18	l.	l.	PROPN
fsr-3403	404	19	,	,	PUNCT
fsr-3403	404	20	&	&	CCONJ
fsr-3403	404	21	taylor	taylor	PROPN
fsr-3403	404	22	,	,	PUNCT
fsr-3403	404	23	k.	k.	PROPN
fsr-3403	404	24	(	(	PUNCT
fsr-3403	404	25	2015	2015	NUM
fsr-3403	404	26	)	)	PUNCT
fsr-3403	404	27	.	.	PUNCT
fsr-3403	405	1	modelling	model	VERB
fsr-3403	405	2	household	household	NOUN
fsr-3403	405	3	finances	finance	NOUN
fsr-3403	405	4	:	:	PUNCT
fsr-3403	405	5	a	a	DET
fsr-3403	405	6	bayesian	bayesian	NOUN
fsr-3403	405	7	approach	approach	NOUN
fsr-3403	405	8	to	to	ADP
fsr-3403	405	9	a	a	DET
fsr-3403	405	10	multivariate	multivariate	NOUN
fsr-3403	405	11	two	two	NUM
fsr-3403	405	12	-	-	PUNCT
fsr-3403	405	13	part	part	NOUN
fsr-3403	405	14	model	model	NOUN
fsr-3403	405	15	.	.	PUNCT
fsr-3403	406	1	journal	journal	PROPN
fsr-3403	406	2	of	of	ADP
fsr-3403	406	3	empirical	empirical	ADJ
fsr-3403	406	4	finance	finance	NOUN
fsr-3403	406	5	,	,	PUNCT
fsr-3403	406	6	33	33	NUM
fsr-3403	406	7	,	,	PUNCT
fsr-3403	406	8	190–207	190–207	NUM
fsr-3403	406	9	.	.	PUNCT
fsr-3403	406	10	brown	brown	PROPN
fsr-3403	406	11	,	,	PUNCT
fsr-3403	406	12	s.	s.	PROPN
fsr-3403	406	13	,	,	PUNCT
fsr-3403	406	14	&	&	CCONJ
fsr-3403	406	15	taylor	taylor	PROPN
fsr-3403	406	16	,	,	PUNCT
fsr-3403	406	17	k.	k.	PROPN
fsr-3403	406	18	(	(	PUNCT
fsr-3403	406	19	2008	2008	NUM
fsr-3403	406	20	)	)	PUNCT
fsr-3403	406	21	.	.	PUNCT
fsr-3403	407	1	household	household	NOUN
fsr-3403	407	2	debt	debt	NOUN
fsr-3403	407	3	and	and	CCONJ
fsr-3403	407	4	financial	financial	ADJ
fsr-3403	407	5	assets	asset	NOUN
fsr-3403	407	6	:	:	PUNCT
fsr-3403	407	7	evidence	evidence	NOUN
fsr-3403	407	8	from	from	ADP
fsr-3403	407	9	germany	germany	PROPN
fsr-3403	407	10	,	,	PUNCT
fsr-3403	407	11	great	great	ADJ
fsr-3403	407	12	britain	britain	PROPN
fsr-3403	407	13	and	and	CCONJ
fsr-3403	407	14	the	the	DET
fsr-3403	407	15	usa	usa	PROPN
fsr-3403	407	16	.	.	PROPN
fsr-3403	407	17	journal	journal	PROPN
fsr-3403	407	18	of	of	ADP
fsr-3403	407	19	the	the	DET
fsr-3403	407	20	royal	royal	ADJ
fsr-3403	407	21	statistical	statistical	ADJ
fsr-3403	407	22	society	society	NOUN
fsr-3403	407	23	:	:	PUNCT
fsr-3403	407	24	series	series	PROPN
fsr-3403	407	25	a	a	PROPN
fsr-3403	407	26	(	(	PUNCT
fsr-3403	407	27	statistics	statistic	NOUN
fsr-3403	407	28	in	in	ADP
fsr-3403	407	29	society	society	NOUN
fsr-3403	407	30	)	)	PUNCT
fsr-3403	407	31	,	,	PUNCT
fsr-3403	407	32	171	171	NUM
fsr-3403	407	33	,	,	PUNCT
fsr-3403	407	34	615–643	615–643	NUM
fsr-3403	407	35	.	.	PUNCT
fsr-3403	408	1	browning	browning	NOUN
fsr-3403	408	2	,	,	PUNCT
fsr-3403	408	3	m.	m.	NOUN
fsr-3403	408	4	(	(	PUNCT
fsr-3403	408	5	1992	1992	NUM
fsr-3403	408	6	)	)	PUNCT
fsr-3403	408	7	.	.	PUNCT
fsr-3403	409	1	children	child	NOUN
fsr-3403	409	2	and	and	CCONJ
fsr-3403	409	3	household	household	NOUN
fsr-3403	409	4	economic	economic	ADJ
fsr-3403	409	5	behavior	behavior	NOUN
fsr-3403	409	6	.	.	PUNCT
fsr-3403	410	1	journal	journal	NOUN
fsr-3403	410	2	of	of	ADP
fsr-3403	410	3	economic	economic	ADJ
fsr-3403	410	4	literature	literature	NOUN
fsr-3403	410	5	,	,	PUNCT
fsr-3403	410	6	30	30	NUM
fsr-3403	410	7	,	,	PUNCT
fsr-3403	410	8	1434	1434	NUM
fsr-3403	410	9	–	–	PUNCT
fsr-3403	410	10	1475	1475	NUM
fsr-3403	410	11	.	.	PUNCT
fsr-3403	411	1	cameron	cameron	PROPN
fsr-3403	411	2	,	,	PUNCT
fsr-3403	411	3	a.	a.	PROPN
fsr-3403	411	4	c.	c.	PROPN
fsr-3403	411	5	,	,	PUNCT
fsr-3403	411	6	&	&	CCONJ
fsr-3403	411	7	trivedi	trivedi	PROPN
fsr-3403	411	8	,	,	PUNCT
fsr-3403	411	9	p.	p.	PROPN
fsr-3403	411	10	k.	k.	PROPN
fsr-3403	412	1	(	(	PUNCT
fsr-3403	412	2	2005	2005	NUM
fsr-3403	412	3	)	)	PUNCT
fsr-3403	412	4	.	.	PUNCT
fsr-3403	413	1	microeconometrics	microeconometric	NOUN
fsr-3403	413	2	:	:	PUNCT
fsr-3403	413	3	methods	method	NOUN
fsr-3403	413	4	and	and	CCONJ
fsr-3403	413	5	applications	application	NOUN
fsr-3403	413	6	.	.	PUNCT
fsr-3403	414	1	cambridge	cambridge	PROPN
fsr-3403	414	2	:	:	PUNCT
fsr-3403	414	3	cambridge	cambridge	PROPN
fsr-3403	414	4	university	university	PROPN
fsr-3403	414	5	press	press	NOUN
fsr-3403	414	6	.	.	PUNCT
fsr-3403	415	1	campbell	campbell	PROPN
fsr-3403	415	2	,	,	PUNCT
fsr-3403	415	3	j.	j.	PROPN
fsr-3403	415	4	y.	y.	PROPN
fsr-3403	415	5	(	(	PUNCT
fsr-3403	415	6	2006	2006	NUM
fsr-3403	415	7	)	)	PUNCT
fsr-3403	415	8	.	.	PUNCT
fsr-3403	416	1	household	household	NOUN
fsr-3403	416	2	finance	finance	NOUN
fsr-3403	416	3	.	.	PUNCT
fsr-3403	417	1	journal	journal	PROPN
fsr-3403	417	2	of	of	ADP
fsr-3403	417	3	finance	finance	NOUN
fsr-3403	417	4	,	,	PUNCT
fsr-3403	417	5	61	61	NUM
fsr-3403	417	6	,	,	PUNCT
fsr-3403	417	7	1553–1604	1553–1604	NUM
fsr-3403	417	8	.	.	PUNCT
fsr-3403	418	1	campbell	campbell	PROPN
fsr-3403	418	2	,	,	PUNCT
fsr-3403	418	3	j.	j.	PROPN
fsr-3403	418	4	y.	y.	PROPN
fsr-3403	418	5	,	,	PUNCT
fsr-3403	418	6	chanb	chanb	PROPN
fsr-3403	418	7	,	,	PUNCT
fsr-3403	418	8	y.	y.	PROPN
fsr-3403	418	9	l.	l.	PROPN
fsr-3403	418	10	,	,	PUNCT
fsr-3403	418	11	&	&	CCONJ
fsr-3403	418	12	viceira	viceira	PROPN
fsr-3403	418	13	,	,	PUNCT
fsr-3403	418	14	m.	m.	NOUN
fsr-3403	418	15	(	(	PUNCT
fsr-3403	418	16	2003	2003	NUM
fsr-3403	418	17	)	)	PUNCT
fsr-3403	418	18	.	.	PUNCT
fsr-3403	419	1	a	a	DET
fsr-3403	419	2	multivariate	multivariate	NOUN
fsr-3403	419	3	model	model	NOUN
fsr-3403	419	4	of	of	ADP
fsr-3403	419	5	strategic	strategic	ADJ
fsr-3403	419	6	asset	asset	NOUN
fsr-3403	419	7	allocation	allocation	NOUN
fsr-3403	419	8	.	.	PUNCT
fsr-3403	420	1	journal	journal	PROPN
fsr-3403	420	2	of	of	ADP
fsr-3403	420	3	financial	financial	ADJ
fsr-3403	420	4	economics	economic	NOUN
fsr-3403	420	5	,	,	PUNCT
fsr-3403	420	6	67	67	NUM
fsr-3403	420	7	,	,	PUNCT
fsr-3403	420	8	41–80	41–80	NOUN
fsr-3403	420	9	.	.	PUNCT
fsr-3403	421	1	cardak	cardak	PROPN
fsr-3403	421	2	,	,	PUNCT
fsr-3403	421	3	b.	b.	PROPN
fsr-3403	421	4	a.	a.	PROPN
fsr-3403	421	5	,	,	PUNCT
fsr-3403	421	6	&	&	CCONJ
fsr-3403	421	7	wilkins	wilkins	PROPN
fsr-3403	421	8	,	,	PUNCT
fsr-3403	421	9	r.	r.	PROPN
fsr-3403	421	10	(	(	PUNCT
fsr-3403	421	11	2009	2009	NUM
fsr-3403	421	12	)	)	PUNCT
fsr-3403	421	13	.	.	PUNCT
fsr-3403	422	1	the	the	DET
fsr-3403	422	2	determinants	determinant	NOUN
fsr-3403	422	3	of	of	ADP
fsr-3403	422	4	household	household	NOUN
fsr-3403	422	5	risky	risky	ADJ
fsr-3403	422	6	asset	asset	NOUN
fsr-3403	422	7	holdings	holding	NOUN
fsr-3403	422	8	:	:	PUNCT
fsr-3403	422	9	australian	australian	ADJ
fsr-3403	422	10	evidence	evidence	NOUN
fsr-3403	422	11	on	on	ADP
fsr-3403	422	12	background	background	NOUN
fsr-3403	422	13	risk	risk	NOUN
fsr-3403	422	14	and	and	CCONJ
fsr-3403	422	15	other	other	ADJ
fsr-3403	422	16	factors	factor	NOUN
fsr-3403	422	17	.	.	PUNCT
fsr-3403	423	1	journal	journal	NOUN
fsr-3403	423	2	of	of	ADP
fsr-3403	423	3	banking	banking	NOUN
fsr-3403	423	4	&	&	CCONJ
fsr-3403	423	5	finance	finance	PROPN
fsr-3403	423	6	,	,	PUNCT
fsr-3403	423	7	33	33	NUM
fsr-3403	423	8	,	,	PUNCT
fsr-3403	423	9	850–860	850–860	NUM
fsr-3403	423	10	.	.	PUNCT
fsr-3403	423	11	343r	343r	PROPN
fsr-3403	423	12	.	.	PUNCT
fsr-3403	424	1	tao	tao	PROPN
fsr-3403	424	2	,	,	PUNCT
fsr-3403	424	3	y.	y.	PROPN
fsr-3403	424	4	yuan	yuan	PROPN
fsr-3403	424	5	/	/	SYM
fsr-3403	424	6	financial	financial	ADJ
fsr-3403	424	7	services	service	NOUN
fsr-3403	424	8	review	review	VERB
fsr-3403	424	9	27	27	NUM
fsr-3403	424	10	(	(	PUNCT
fsr-3403	424	11	2018	2018	NUM
fsr-3403	424	12	)	)	PUNCT
fsr-3403	424	13	325	325	NUM
fsr-3403	424	14	-	-	SYM
fsr-3403	424	15	344	344	NUM
fsr-3403	424	16	cheung	cheung	PROPN
fsr-3403	424	17	,	,	PUNCT
fsr-3403	424	18	s.	s.	PROPN
fsr-3403	424	19	c.	c.	PROPN
fsr-3403	424	20	,	,	PUNCT
fsr-3403	424	21	&	&	CCONJ
fsr-3403	424	22	miu	miu	PROPN
fsr-3403	424	23	,	,	PUNCT
fsr-3403	424	24	p.	p.	NOUN
fsr-3403	424	25	(	(	PUNCT
fsr-3403	424	26	2015	2015	NUM
fsr-3403	424	27	)	)	PUNCT
fsr-3403	424	28	.	.	PUNCT
fsr-3403	425	1	home	home	NOUN
fsr-3403	425	2	ownership	ownership	NOUN
fsr-3403	425	3	decision	decision	NOUN
fsr-3403	425	4	in	in	ADP
fsr-3403	425	5	personal	personal	ADJ
fsr-3403	425	6	finance	finance	NOUN
fsr-3403	425	7	:	:	PUNCT
fsr-3403	425	8	some	some	DET
fsr-3403	425	9	empirical	empirical	ADJ
fsr-3403	425	10	evidence	evidence	NOUN
fsr-3403	425	11	.	.	PUNCT
fsr-3403	426	1	financial	financial	ADJ
fsr-3403	426	2	services	service	NOUN
fsr-3403	426	3	review	review	PROPN
fsr-3403	426	4	,	,	PUNCT
fsr-3403	426	5	24	24	NUM
fsr-3403	426	6	,	,	PUNCT
fsr-3403	426	7	51–57	51–57	NUM
fsr-3403	426	8	.	.	PUNCT
fsr-3403	427	1	choudhury	choudhury	PROPN
fsr-3403	427	2	,	,	PUNCT
fsr-3403	427	3	s.	s.	PROPN
fsr-3403	427	4	(	(	PUNCT
fsr-3403	427	5	2001	2001	NUM
fsr-3403	427	6	)	)	PUNCT
fsr-3403	427	7	.	.	PUNCT
fsr-3403	428	1	racial	racial	ADJ
fsr-3403	428	2	and	and	CCONJ
fsr-3403	428	3	ethnic	ethnic	ADJ
fsr-3403	428	4	differences	difference	NOUN
fsr-3403	428	5	in	in	ADP
fsr-3403	428	6	wealth	wealth	NOUN
fsr-3403	428	7	and	and	CCONJ
fsr-3403	428	8	asset	asset	NOUN
fsr-3403	428	9	choices	choice	NOUN
fsr-3403	428	10	.	.	PUNCT
fsr-3403	429	1	social	social	ADJ
fsr-3403	429	2	security	security	NOUN
fsr-3403	429	3	bulletin	bulletin	NOUN
fsr-3403	429	4	,	,	PUNCT
fsr-3403	429	5	64	64	NUM
fsr-3403	429	6	,	,	PUNCT
fsr-3403	429	7	1–15	1–15	NUM
fsr-3403	429	8	.	.	PUNCT
fsr-3403	430	1	cocco	cocco	PROPN
fsr-3403	430	2	,	,	PUNCT
fsr-3403	430	3	j.	j.	PROPN
fsr-3403	430	4	f.	f.	PROPN
fsr-3403	430	5	(	(	PUNCT
fsr-3403	430	6	2005	2005	NUM
fsr-3403	430	7	)	)	PUNCT
fsr-3403	430	8	.	.	PUNCT
fsr-3403	431	1	portfolio	portfolio	NOUN
fsr-3403	431	2	choice	choice	NOUN
fsr-3403	431	3	in	in	ADP
fsr-3403	431	4	the	the	DET
fsr-3403	431	5	presence	presence	NOUN
fsr-3403	431	6	of	of	ADP
fsr-3403	431	7	housing	housing	NOUN
fsr-3403	431	8	.	.	PUNCT
fsr-3403	432	1	review	review	NOUN
fsr-3403	432	2	of	of	ADP
fsr-3403	432	3	financial	financial	ADJ
fsr-3403	432	4	studies	study	NOUN
fsr-3403	432	5	,	,	PUNCT
fsr-3403	432	6	18	18	NUM
fsr-3403	432	7	,	,	PUNCT
fsr-3403	432	8	535–567	535–567	NUM
fsr-3403	432	9	.	.	PUNCT
fsr-3403	433	1	cox	cox	PROPN
fsr-3403	433	2	,	,	PUNCT
fsr-3403	433	3	d.	d.	PROPN
fsr-3403	433	4	,	,	PUNCT
fsr-3403	433	5	&	&	CCONJ
fsr-3403	433	6	jappelli	jappelli	PROPN
fsr-3403	433	7	,	,	PUNCT
fsr-3403	433	8	t.	t.	PROPN
fsr-3403	433	9	(	(	PUNCT
fsr-3403	433	10	1993	1993	NUM
fsr-3403	433	11	)	)	PUNCT
fsr-3403	433	12	.	.	PUNCT
fsr-3403	434	1	the	the	DET
fsr-3403	434	2	effect	effect	NOUN
fsr-3403	434	3	of	of	ADP
fsr-3403	434	4	borrowing	borrowing	NOUN
fsr-3403	434	5	constraints	constraint	NOUN
fsr-3403	434	6	on	on	ADP
fsr-3403	434	7	consumer	consumer	NOUN
fsr-3403	434	8	liabilities	liability	NOUN
fsr-3403	434	9	.	.	PUNCT
fsr-3403	435	1	journal	journal	NOUN
fsr-3403	435	2	of	of	ADP
fsr-3403	435	3	money	money	NOUN
fsr-3403	435	4	,	,	PUNCT
fsr-3403	435	5	credit	credit	NOUN
fsr-3403	435	6	and	and	CCONJ
fsr-3403	435	7	banking	banking	NOUN
fsr-3403	435	8	,	,	PUNCT
fsr-3403	435	9	25	25	NUM
fsr-3403	435	10	,	,	PUNCT
fsr-3403	435	11	197–213	197–213	NUM
fsr-3403	435	12	.	.	PUNCT
fsr-3403	436	1	dimmock	dimmock	PROPN
fsr-3403	436	2	,	,	PUNCT
fsr-3403	436	3	s.	s.	PROPN
fsr-3403	436	4	g.	g.	PROPN
fsr-3403	436	5	,	,	PUNCT
fsr-3403	436	6	kouwenberg	kouwenberg	PROPN
fsr-3403	436	7	,	,	PUNCT
fsr-3403	436	8	r.	r.	PROPN
fsr-3403	436	9	,	,	PUNCT
fsr-3403	436	10	mitchell	mitchell	PROPN
fsr-3403	436	11	,	,	PUNCT
fsr-3403	436	12	o.	o.	PROPN
fsr-3403	436	13	s.	s.	PROPN
fsr-3403	436	14	,	,	PUNCT
fsr-3403	436	15	&	&	CCONJ
fsr-3403	436	16	peijnenburg	peijnenburg	PROPN
fsr-3403	436	17	,	,	PUNCT
fsr-3403	436	18	k.	k.	PROPN
fsr-3403	436	19	(	(	PUNCT
fsr-3403	436	20	2016	2016	NUM
fsr-3403	436	21	)	)	PUNCT
fsr-3403	436	22	.	.	PUNCT
fsr-3403	437	1	ambiguity	ambiguity	NOUN
fsr-3403	437	2	aversion	aversion	NOUN
fsr-3403	437	3	and	and	CCONJ
fsr-3403	437	4	household	household	NOUN
fsr-3403	437	5	portfolio	portfolio	NOUN
fsr-3403	437	6	choice	choice	NOUN
fsr-3403	437	7	puzzles	puzzle	NOUN
fsr-3403	437	8	:	:	PUNCT
fsr-3403	437	9	empirical	empirical	ADJ
fsr-3403	437	10	evidence	evidence	NOUN
fsr-3403	437	11	.	.	PUNCT
fsr-3403	438	1	journal	journal	NOUN
fsr-3403	438	2	of	of	ADP
fsr-3403	438	3	financial	financial	ADJ
fsr-3403	438	4	economics	economic	NOUN
fsr-3403	438	5	,	,	PUNCT
fsr-3403	438	6	119	119	NUM
fsr-3403	438	7	,	,	PUNCT
fsr-3403	438	8	559–577	559–577	NUM
fsr-3403	438	9	.	.	PUNCT
fsr-3403	439	1	faig	faig	PROPN
fsr-3403	439	2	,	,	PUNCT
fsr-3403	439	3	m.	m.	NOUN
fsr-3403	439	4	,	,	PUNCT
fsr-3403	439	5	&	&	CCONJ
fsr-3403	439	6	shum	shum	PROPN
fsr-3403	439	7	,	,	PUNCT
fsr-3403	439	8	p.	p.	NOUN
fsr-3403	439	9	(	(	PUNCT
fsr-3403	439	10	2002	2002	NUM
fsr-3403	439	11	)	)	PUNCT
fsr-3403	439	12	.	.	PUNCT
fsr-3403	440	1	portfolio	portfolio	NOUN
fsr-3403	440	2	choice	choice	NOUN
fsr-3403	440	3	in	in	ADP
fsr-3403	440	4	the	the	DET
fsr-3403	440	5	presence	presence	NOUN
fsr-3403	440	6	of	of	ADP
fsr-3403	440	7	personal	personal	ADJ
fsr-3403	440	8	illiquid	illiquid	ADJ
fsr-3403	440	9	projects	project	NOUN
fsr-3403	440	10	.	.	PUNCT
fsr-3403	441	1	journal	journal	PROPN
fsr-3403	441	2	of	of	ADP
fsr-3403	441	3	finance	finance	NOUN
fsr-3403	441	4	,	,	PUNCT
fsr-3403	441	5	57	57	NUM
fsr-3403	441	6	,	,	PUNCT
fsr-3403	441	7	303–328	303–328	NUM
fsr-3403	441	8	.	.	PUNCT
fsr-3403	442	1	fan	fan	PROPN
fsr-3403	442	2	,	,	PUNCT
fsr-3403	442	3	e.	e.	PROPN
fsr-3403	442	4	,	,	PUNCT
fsr-3403	442	5	&	&	CCONJ
fsr-3403	442	6	zhao	zhao	PROPN
fsr-3403	442	7	,	,	PUNCT
fsr-3403	442	8	r.	r.	PROPN
fsr-3403	442	9	(	(	PUNCT
fsr-3403	442	10	2009	2009	NUM
fsr-3403	442	11	)	)	PUNCT
fsr-3403	442	12	.	.	PUNCT
fsr-3403	443	1	health	health	NOUN
fsr-3403	443	2	status	status	NOUN
fsr-3403	443	3	and	and	CCONJ
fsr-3403	443	4	portfolio	portfolio	NOUN
fsr-3403	443	5	choice	choice	NOUN
fsr-3403	443	6	:	:	PUNCT
fsr-3403	443	7	causality	causality	NOUN
fsr-3403	443	8	or	or	CCONJ
fsr-3403	443	9	heterogeneity	heterogeneity	NOUN
fsr-3403	443	10	?	?	PUNCT
fsr-3403	444	1	journal	journal	NOUN
fsr-3403	444	2	of	of	ADP
fsr-3403	444	3	banking	banking	NOUN
fsr-3403	444	4	&	&	CCONJ
fsr-3403	444	5	finance	finance	PROPN
fsr-3403	444	6	,	,	PUNCT
fsr-3403	444	7	33	33	NUM
fsr-3403	444	8	,	,	PUNCT
fsr-3403	444	9	1079–1088	1079–1088	NUM
fsr-3403	444	10	.	.	PUNCT
fsr-3403	445	1	fratantoni	fratantoni	ADV
fsr-3403	445	2	,	,	PUNCT
fsr-3403	445	3	m.	m.	NOUN
fsr-3403	445	4	c.	c.	PROPN
fsr-3403	445	5	(	(	PUNCT
fsr-3403	445	6	2001	2001	NUM
fsr-3403	445	7	)	)	PUNCT
fsr-3403	445	8	.	.	PUNCT
fsr-3403	446	1	homeownership	homeownership	NOUN
fsr-3403	446	2	,	,	PUNCT
fsr-3403	446	3	committed	commit	VERB
fsr-3403	446	4	expenditure	expenditure	NOUN
fsr-3403	446	5	risk	risk	NOUN
fsr-3403	446	6	,	,	PUNCT
fsr-3403	446	7	and	and	CCONJ
fsr-3403	446	8	the	the	DET
fsr-3403	446	9	stockholding	stockholding	NOUN
fsr-3403	446	10	puzzle	puzzle	NOUN
fsr-3403	446	11	.	.	PUNCT
fsr-3403	447	1	oxford	oxford	ADJ
fsr-3403	447	2	economic	economic	ADJ
fsr-3403	447	3	papers	paper	NOUN
fsr-3403	447	4	,	,	PUNCT
fsr-3403	447	5	53	53	NUM
fsr-3403	447	6	,	,	PUNCT
fsr-3403	447	7	241–259	241–259	NUM
fsr-3403	447	8	.	.	PUNCT
fsr-3403	448	1	fratantoni	fratantoni	NOUN
fsr-3403	448	2	,	,	PUNCT
fsr-3403	448	3	m.	m.	NOUN
fsr-3403	448	4	c.	c.	PROPN
fsr-3403	448	5	(	(	PUNCT
fsr-3403	448	6	1998	1998	NUM
fsr-3403	448	7	)	)	PUNCT
fsr-3403	448	8	.	.	PUNCT
fsr-3403	449	1	homeownership	homeownership	NOUN
fsr-3403	449	2	and	and	CCONJ
fsr-3403	449	3	investment	investment	NOUN
fsr-3403	449	4	in	in	ADP
fsr-3403	449	5	risky	risky	ADJ
fsr-3403	449	6	assets	asset	NOUN
fsr-3403	449	7	.	.	PUNCT
fsr-3403	450	1	journal	journal	PROPN
fsr-3403	450	2	of	of	ADP
fsr-3403	450	3	urban	urban	ADJ
fsr-3403	450	4	economics	economic	NOUN
fsr-3403	450	5	,	,	PUNCT
fsr-3403	450	6	44	44	NUM
fsr-3403	450	7	,	,	PUNCT
fsr-3403	450	8	27–42	27–42	NUM
fsr-3403	451	1	.	.	PUNCT
fsr-3403	451	2	guiso	guiso	PROPN
fsr-3403	451	3	,	,	PUNCT
fsr-3403	451	4	l.	l.	PROPN
fsr-3403	451	5	,	,	PUNCT
fsr-3403	451	6	haliassos	haliassos	NOUN
fsr-3403	451	7	,	,	PUNCT
fsr-3403	451	8	m.	m.	NOUN
fsr-3403	451	9	,	,	PUNCT
fsr-3403	451	10	&	&	CCONJ
fsr-3403	451	11	jappelli	jappelli	PROPN
fsr-3403	451	12	,	,	PUNCT
fsr-3403	451	13	t.	t.	PROPN
fsr-3403	451	14	(	(	PUNCT
fsr-3403	451	15	2002	2002	NUM
fsr-3403	451	16	)	)	PUNCT
fsr-3403	451	17	.	.	PUNCT
fsr-3403	452	1	household	household	NOUN
fsr-3403	452	2	portfolios	portfolio	NOUN
fsr-3403	452	3	.	.	PUNCT
fsr-3403	453	1	cambridge	cambridge	PROPN
fsr-3403	453	2	,	,	PUNCT
fsr-3403	453	3	ma	ma	PROPN
fsr-3403	453	4	:	:	PUNCT
fsr-3403	453	5	the	the	DET
fsr-3403	453	6	mit	mit	PROPN
fsr-3403	453	7	press	press	NOUN
fsr-3403	453	8	.	.	PUNCT
fsr-3403	454	1	hariharan	hariharan	PROPN
fsr-3403	454	2	,	,	PUNCT
fsr-3403	454	3	g.	g.	PROPN
fsr-3403	454	4	,	,	PUNCT
fsr-3403	454	5	chapman	chapman	PROPN
fsr-3403	454	6	,	,	PUNCT
fsr-3403	454	7	k.	k.	PROPN
fsr-3403	454	8	s.	s.	PROPN
fsr-3403	454	9	,	,	PUNCT
fsr-3403	454	10	&	&	CCONJ
fsr-3403	454	11	domian	domian	PROPN
fsr-3403	454	12	,	,	PUNCT
fsr-3403	454	13	d.	d.	PROPN
fsr-3403	454	14	l.	l.	PROPN
fsr-3403	454	15	(	(	PUNCT
fsr-3403	454	16	2000	2000	NUM
fsr-3403	454	17	)	)	PUNCT
fsr-3403	454	18	.	.	PUNCT
fsr-3403	455	1	risk	risk	NOUN
fsr-3403	455	2	tolerance	tolerance	NOUN
fsr-3403	455	3	and	and	CCONJ
fsr-3403	455	4	asset	asset	NOUN
fsr-3403	455	5	allocation	allocation	NOUN
fsr-3403	455	6	for	for	ADP
fsr-3403	455	7	investors	investor	NOUN
fsr-3403	455	8	nearing	near	VERB
fsr-3403	455	9	retirement	retirement	NOUN
fsr-3403	455	10	.	.	PUNCT
fsr-3403	456	1	financial	financial	ADJ
fsr-3403	456	2	services	service	NOUN
fsr-3403	456	3	review	review	NOUN
fsr-3403	456	4	,	,	PUNCT
fsr-3403	456	5	9	9	NUM
fsr-3403	456	6	,	,	PUNCT
fsr-3403	456	7	159–170	159–170	NUM
fsr-3403	456	8	.	.	PUNCT
fsr-3403	457	1	heaton	heaton	PROPN
fsr-3403	457	2	,	,	PUNCT
fsr-3403	457	3	j.	j.	PROPN
fsr-3403	457	4	,	,	PUNCT
fsr-3403	457	5	&	&	CCONJ
fsr-3403	457	6	lucas	lucas	PROPN
fsr-3403	457	7	,	,	PUNCT
fsr-3403	457	8	d.	d.	PROPN
fsr-3403	457	9	(	(	PUNCT
fsr-3403	457	10	2000	2000	NUM
fsr-3403	457	11	)	)	PUNCT
fsr-3403	457	12	.	.	PUNCT
fsr-3403	458	1	portfolio	portfolio	NOUN
fsr-3403	458	2	choice	choice	NOUN
fsr-3403	458	3	in	in	ADP
fsr-3403	458	4	the	the	DET
fsr-3403	458	5	presence	presence	NOUN
fsr-3403	458	6	of	of	ADP
fsr-3403	458	7	background	background	NOUN
fsr-3403	458	8	risk	risk	NOUN
fsr-3403	458	9	.	.	PUNCT
fsr-3403	459	1	the	the	DET
fsr-3403	459	2	economic	economic	ADJ
fsr-3403	459	3	journal	journal	NOUN
fsr-3403	459	4	,	,	PUNCT
fsr-3403	459	5	110	110	NUM
fsr-3403	459	6	,	,	PUNCT
fsr-3403	459	7	1–26	1–26	NOUN
fsr-3403	459	8	.	.	PUNCT
fsr-3403	460	1	heckman	heckman	PROPN
fsr-3403	460	2	,	,	PUNCT
fsr-3403	460	3	j.	j.	PROPN
fsr-3403	460	4	j.	j.	PROPN
fsr-3403	460	5	(	(	PUNCT
fsr-3403	460	6	1979	1979	NUM
fsr-3403	460	7	)	)	PUNCT
fsr-3403	460	8	.	.	PUNCT
fsr-3403	461	1	sample	sample	NOUN
fsr-3403	461	2	selection	selection	NOUN
fsr-3403	461	3	bias	bias	NOUN
fsr-3403	461	4	as	as	ADP
fsr-3403	461	5	a	a	DET
fsr-3403	461	6	specification	specification	NOUN
fsr-3403	461	7	error	error	NOUN
fsr-3403	461	8	.	.	PUNCT
fsr-3403	462	1	econometrica	econometrica	PROPN
fsr-3403	462	2	,	,	PUNCT
fsr-3403	462	3	43	43	NUM
fsr-3403	462	4	,	,	PUNCT
fsr-3403	462	5	153–161	153–161	NUM
fsr-3403	462	6	.	.	PUNCT
fsr-3403	463	1	hira	hira	PROPN
fsr-3403	463	2	,	,	PUNCT
fsr-3403	463	3	t.	t.	PROPN
fsr-3403	463	4	k.	k.	PROPN
fsr-3403	463	5	,	,	PUNCT
fsr-3403	463	6	fitzsimmons	fitzsimmon	NOUN
fsr-3403	463	7	,	,	PUNCT
fsr-3403	463	8	v.	v.	CCONJ
fsr-3403	463	9	s.	s.	PROPN
fsr-3403	463	10	,	,	PUNCT
fsr-3403	463	11	hafstrom	hafstrom	PROPN
fsr-3403	463	12	,	,	PUNCT
fsr-3403	463	13	j.	j.	PROPN
fsr-3403	463	14	l.	l.	PROPN
fsr-3403	463	15	,	,	PUNCT
fsr-3403	463	16	&	&	CCONJ
fsr-3403	463	17	bauer	bauer	PROPN
fsr-3403	463	18	,	,	PUNCT
fsr-3403	463	19	j.	j.	PROPN
fsr-3403	463	20	w.	w.	PROPN
fsr-3403	463	21	(	(	PUNCT
fsr-3403	463	22	1993	1993	NUM
fsr-3403	463	23	)	)	PUNCT
fsr-3403	463	24	.	.	PUNCT
fsr-3403	464	1	factors	factor	NOUN
fsr-3403	464	2	associated	associate	VERB
fsr-3403	464	3	with	with	ADP
fsr-3403	464	4	expectations	expectation	NOUN
fsr-3403	464	5	of	of	ADP
fsr-3403	464	6	household	household	NOUN
fsr-3403	464	7	’s	’s	PART
fsr-3403	464	8	future	future	ADJ
fsr-3403	464	9	financial	financial	ADJ
fsr-3403	464	10	condition	condition	NOUN
fsr-3403	464	11	.	.	PUNCT
fsr-3403	465	1	journal	journal	NOUN
fsr-3403	465	2	of	of	ADP
fsr-3403	465	3	family	family	NOUN
fsr-3403	465	4	and	and	CCONJ
fsr-3403	465	5	economic	economic	ADJ
fsr-3403	465	6	issues	issue	NOUN
fsr-3403	465	7	,	,	PUNCT
fsr-3403	465	8	14	14	NUM
fsr-3403	465	9	,	,	PUNCT
fsr-3403	465	10	237–256	237–256	NUM
fsr-3403	465	11	.	.	PUNCT
fsr-3403	466	1	hu	hu	PROPN
fsr-3403	466	2	,	,	PUNCT
fsr-3403	466	3	x.	x.	NOUN
fsr-3403	466	4	(	(	PUNCT
fsr-3403	466	5	2005	2005	NUM
fsr-3403	466	6	)	)	PUNCT
fsr-3403	466	7	.	.	PUNCT
fsr-3403	467	1	portfolio	portfolio	NOUN
fsr-3403	467	2	choices	choice	NOUN
fsr-3403	467	3	for	for	ADP
fsr-3403	467	4	homeowners	homeowner	NOUN
fsr-3403	467	5	.	.	PUNCT
fsr-3403	468	1	journal	journal	PROPN
fsr-3403	468	2	of	of	ADP
fsr-3403	468	3	urban	urban	ADJ
fsr-3403	468	4	economics	economic	NOUN
fsr-3403	468	5	,	,	PUNCT
fsr-3403	468	6	58	58	NUM
fsr-3403	468	7	,	,	PUNCT
fsr-3403	468	8	114–136	114–136	NUM
fsr-3403	468	9	.	.	PUNCT
fsr-3403	469	1	king	king	PROPN
fsr-3403	469	2	,	,	PUNCT
fsr-3403	469	3	m.	m.	NOUN
fsr-3403	469	4	a.	a.	PROPN
fsr-3403	469	5	,	,	PUNCT
fsr-3403	469	6	&	&	CCONJ
fsr-3403	469	7	leape	leape	PROPN
fsr-3403	469	8	,	,	PUNCT
fsr-3403	469	9	j.	j.	PROPN
fsr-3403	469	10	i.	i.	PROPN
fsr-3403	469	11	(	(	PUNCT
fsr-3403	469	12	1998	1998	NUM
fsr-3403	469	13	)	)	PUNCT
fsr-3403	469	14	.	.	PUNCT
fsr-3403	470	1	wealth	wealth	NOUN
fsr-3403	470	2	and	and	CCONJ
fsr-3403	470	3	portfolio	portfolio	NOUN
fsr-3403	470	4	composition	composition	NOUN
fsr-3403	470	5	:	:	PUNCT
fsr-3403	470	6	theory	theory	NOUN
fsr-3403	470	7	and	and	CCONJ
fsr-3403	470	8	evidence	evidence	NOUN
fsr-3403	470	9	.	.	PUNCT
fsr-3403	471	1	journal	journal	NOUN
fsr-3403	471	2	of	of	ADP
fsr-3403	471	3	public	public	ADJ
fsr-3403	471	4	economics	economic	NOUN
fsr-3403	471	5	,	,	PUNCT
fsr-3403	471	6	69	69	NUM
fsr-3403	471	7	,	,	PUNCT
fsr-3403	471	8	155–193	155–193	NUM
fsr-3403	471	9	.	.	PUNCT
fsr-3403	472	1	norvilitis	norvilitis	PROPN
fsr-3403	472	2	,	,	PUNCT
fsr-3403	472	3	j.	j.	PROPN
fsr-3403	472	4	m.	m.	PROPN
fsr-3403	472	5	,	,	PUNCT
fsr-3403	472	6	merwin	merwin	PROPN
fsr-3403	472	7	,	,	PUNCT
fsr-3403	472	8	m.	m.	NOUN
fsr-3403	472	9	m.	m.	NOUN
fsr-3403	472	10	,	,	PUNCT
fsr-3403	472	11	osberg	osberg	PROPN
fsr-3403	472	12	,	,	PUNCT
fsr-3403	472	13	m.	m.	NOUN
fsr-3403	472	14	t.	t.	PROPN
fsr-3403	472	15	,	,	PUNCT
fsr-3403	472	16	patricia	patricia	PROPN
fsr-3403	472	17	,	,	PUNCT
fsr-3403	472	18	v.	v.	ADV
fsr-3403	472	19	,	,	PUNCT
fsr-3403	472	20	roehling	roehling	NOUN
fsr-3403	472	21	,	,	PUNCT
fsr-3403	472	22	v.	v.	PROPN
fsr-3403	472	23	p.	p.	PROPN
fsr-3403	472	24	,	,	PUNCT
fsr-3403	472	25	young	young	ADJ
fsr-3403	472	26	,	,	PUNCT
fsr-3403	472	27	p.	p.	NOUN
fsr-3403	472	28	,	,	PUNCT
fsr-3403	472	29	&	&	CCONJ
fsr-3403	472	30	kamas	kamas	PROPN
fsr-3403	472	31	,	,	PUNCT
fsr-3403	472	32	m.	m.	NOUN
fsr-3403	472	33	m.	m.	NOUN
fsr-3403	472	34	(	(	PUNCT
fsr-3403	472	35	2006	2006	NUM
fsr-3403	472	36	)	)	PUNCT
fsr-3403	472	37	.	.	PUNCT
fsr-3403	473	1	personality	personality	NOUN
fsr-3403	473	2	factors	factor	NOUN
fsr-3403	473	3	,	,	PUNCT
fsr-3403	473	4	money	money	NOUN
fsr-3403	473	5	attitudes	attitude	NOUN
fsr-3403	473	6	,	,	PUNCT
fsr-3403	473	7	financial	financial	ADJ
fsr-3403	473	8	knowledge	knowledge	NOUN
fsr-3403	473	9	,	,	PUNCT
fsr-3403	473	10	and	and	CCONJ
fsr-3403	473	11	credit	credit	NOUN
fsr-3403	473	12	-	-	PUNCT
fsr-3403	473	13	card	card	NOUN
fsr-3403	473	14	debt	debt	NOUN
fsr-3403	473	15	in	in	ADP
fsr-3403	473	16	college	college	NOUN
fsr-3403	473	17	students	student	NOUN
fsr-3403	473	18	.	.	PUNCT
fsr-3403	474	1	journal	journal	PROPN
fsr-3403	474	2	of	of	ADP
fsr-3403	474	3	applied	apply	VERB
fsr-3403	474	4	social	social	ADJ
fsr-3403	474	5	psychology	psychology	NOUN
fsr-3403	474	6	,	,	PUNCT
fsr-3403	474	7	36	36	NUM
fsr-3403	474	8	,	,	PUNCT
fsr-3403	474	9	1395–1413	1395–1413	NUM
fsr-3403	474	10	.	.	PUNCT
fsr-3403	475	1	perraudin	perraudin	NOUN
fsr-3403	475	2	,	,	PUNCT
fsr-3403	475	3	w.	w.	PROPN
fsr-3403	475	4	r.	r.	PROPN
fsr-3403	475	5	,	,	PUNCT
fsr-3403	475	6	&	&	CCONJ
fsr-3403	475	7	sørensen	sørensen	PROPN
fsr-3403	475	8	,	,	PUNCT
fsr-3403	475	9	b.	b.	PROPN
fsr-3403	475	10	e.	e.	PROPN
fsr-3403	475	11	(	(	PUNCT
fsr-3403	475	12	2000	2000	NUM
fsr-3403	475	13	)	)	PUNCT
fsr-3403	475	14	.	.	PUNCT
fsr-3403	476	1	the	the	DET
fsr-3403	476	2	demand	demand	NOUN
fsr-3403	476	3	for	for	ADP
fsr-3403	476	4	risky	risky	ADJ
fsr-3403	476	5	assets	asset	NOUN
fsr-3403	476	6	:	:	PUNCT
fsr-3403	476	7	sample	sample	NOUN
fsr-3403	476	8	selection	selection	NOUN
fsr-3403	476	9	and	and	CCONJ
fsr-3403	476	10	household	household	NOUN
fsr-3403	476	11	portfolios	portfolio	NOUN
fsr-3403	476	12	.	.	PUNCT
fsr-3403	477	1	journal	journal	NOUN
fsr-3403	477	2	of	of	ADP
fsr-3403	477	3	econometrics	econometric	NOUN
fsr-3403	477	4	,	,	PUNCT
fsr-3403	477	5	97	97	NUM
fsr-3403	477	6	,	,	PUNCT
fsr-3403	477	7	117–144	117–144	NUM
fsr-3403	477	8	.	.	PUNCT
fsr-3403	478	1	riley	riley	PROPN
fsr-3403	478	2	jr	jr	PROPN
fsr-3403	478	3	.	.	PROPN
fsr-3403	478	4	,	,	PUNCT
fsr-3403	478	5	w.	w.	PROPN
fsr-3403	478	6	b.	b.	PROPN
fsr-3403	478	7	,	,	PUNCT
fsr-3403	478	8	&	&	CCONJ
fsr-3403	478	9	chow	chow	PROPN
fsr-3403	478	10	,	,	PUNCT
fsr-3403	478	11	k.	k.	PROPN
fsr-3403	478	12	v.	v.	PROPN
fsr-3403	478	13	(	(	PUNCT
fsr-3403	478	14	1992	1992	NUM
fsr-3403	478	15	)	)	PUNCT
fsr-3403	478	16	.	.	PUNCT
fsr-3403	479	1	asset	asset	NOUN
fsr-3403	479	2	allocation	allocation	NOUN
fsr-3403	479	3	and	and	CCONJ
fsr-3403	479	4	individual	individual	ADJ
fsr-3403	479	5	risk	risk	NOUN
fsr-3403	479	6	aversion	aversion	NOUN
fsr-3403	479	7	.	.	PUNCT
fsr-3403	480	1	financial	financial	ADJ
fsr-3403	480	2	analysts	analyst	NOUN
fsr-3403	480	3	journal	journal	NOUN
fsr-3403	480	4	,	,	PUNCT
fsr-3403	480	5	48	48	NUM
fsr-3403	480	6	,	,	PUNCT
fsr-3403	480	7	32–37	32–37	NUM
fsr-3403	480	8	.	.	PUNCT
fsr-3403	481	1	rosen	rosen	PROPN
fsr-3403	481	2	,	,	PUNCT
fsr-3403	481	3	h.	h.	PROPN
fsr-3403	481	4	s.	s.	PROPN
fsr-3403	481	5	,	,	PUNCT
fsr-3403	481	6	&	&	CCONJ
fsr-3403	481	7	wu	wu	PROPN
fsr-3403	481	8	,	,	PUNCT
fsr-3403	481	9	s.	s.	PROPN
fsr-3403	481	10	(	(	PUNCT
fsr-3403	481	11	2004	2004	NUM
fsr-3403	481	12	)	)	PUNCT
fsr-3403	481	13	.	.	PUNCT
fsr-3403	482	1	portfolio	portfolio	NOUN
fsr-3403	482	2	choice	choice	NOUN
fsr-3403	482	3	and	and	CCONJ
fsr-3403	482	4	health	health	NOUN
fsr-3403	482	5	status	status	NOUN
fsr-3403	482	6	.	.	PUNCT
fsr-3403	483	1	journal	journal	PROPN
fsr-3403	483	2	of	of	ADP
fsr-3403	483	3	financial	financial	ADJ
fsr-3403	483	4	economics	economic	NOUN
fsr-3403	483	5	,	,	PUNCT
fsr-3403	483	6	72	72	NUM
fsr-3403	483	7	,	,	PUNCT
fsr-3403	483	8	457–484	457–484	NUM
fsr-3403	483	9	.	.	PUNCT
fsr-3403	484	1	rubin	rubin	PROPN
fsr-3403	484	2	,	,	PUNCT
fsr-3403	484	3	d.	d.	PROPN
fsr-3403	484	4	b.	b.	PROPN
fsr-3403	484	5	(	(	PUNCT
fsr-3403	484	6	1987	1987	NUM
fsr-3403	484	7	)	)	PUNCT
fsr-3403	484	8	.	.	PUNCT
fsr-3403	485	1	multiple	multiple	ADJ
fsr-3403	485	2	imputation	imputation	NOUN
fsr-3403	485	3	for	for	ADP
fsr-3403	485	4	nonresponse	nonresponse	NOUN
fsr-3403	485	5	in	in	ADP
fsr-3403	485	6	surveys	survey	NOUN
fsr-3403	485	7	.	.	PUNCT
fsr-3403	486	1	new	new	PROPN
fsr-3403	486	2	york	york	PROPN
fsr-3403	486	3	,	,	PUNCT
fsr-3403	486	4	ny	ny	PROPN
fsr-3403	486	5	:	:	PUNCT
fsr-3403	486	6	john	john	PROPN
fsr-3403	486	7	wiley	wiley	PROPN
fsr-3403	486	8	and	and	CCONJ
fsr-3403	486	9	sons	son	NOUN
fsr-3403	486	10	.	.	PUNCT
fsr-3403	487	1	tobin	tobin	PROPN
fsr-3403	487	2	,	,	PUNCT
fsr-3403	487	3	j.	j.	PROPN
fsr-3403	487	4	(	(	PUNCT
fsr-3403	487	5	1958	1958	NUM
fsr-3403	487	6	)	)	PUNCT
fsr-3403	487	7	.	.	PUNCT
fsr-3403	488	1	estimation	estimation	NOUN
fsr-3403	488	2	of	of	ADP
fsr-3403	488	3	relationships	relationship	NOUN
fsr-3403	488	4	for	for	ADP
fsr-3403	488	5	limited	limited	ADJ
fsr-3403	488	6	dependent	dependent	ADJ
fsr-3403	488	7	variables	variable	NOUN
fsr-3403	488	8	.	.	PUNCT
fsr-3403	489	1	econometrica	econometrica	PROPN
fsr-3403	489	2	,	,	PUNCT
fsr-3403	489	3	26	26	NUM
fsr-3403	489	4	,	,	PUNCT
fsr-3403	489	5	24–36	24–36	NUM
fsr-3403	489	6	.	.	PUNCT
fsr-3403	490	1	waggle	waggle	PROPN
fsr-3403	490	2	,	,	PUNCT
fsr-3403	490	3	d.	d.	PROPN
fsr-3403	490	4	,	,	PUNCT
fsr-3403	490	5	&	&	CCONJ
fsr-3403	490	6	johnson	johnson	PROPN
fsr-3403	490	7	,	,	PUNCT
fsr-3403	490	8	d.	d.	PROPN
fsr-3403	490	9	t.	t.	PROPN
fsr-3403	490	10	(	(	PUNCT
fsr-3403	490	11	2003	2003	NUM
fsr-3403	490	12	)	)	PUNCT
fsr-3403	490	13	.	.	PUNCT
fsr-3403	491	1	the	the	DET
fsr-3403	491	2	impact	impact	NOUN
fsr-3403	491	3	of	of	ADP
fsr-3403	491	4	the	the	DET
fsr-3403	491	5	single	single	ADJ
fsr-3403	491	6	-	-	PUNCT
fsr-3403	491	7	family	family	NOUN
fsr-3403	491	8	home	home	NOUN
fsr-3403	491	9	on	on	ADP
fsr-3403	491	10	portfolio	portfolio	NOUN
fsr-3403	491	11	decisions	decision	NOUN
fsr-3403	491	12	.	.	PUNCT
fsr-3403	492	1	financial	financial	ADJ
fsr-3403	492	2	services	service	NOUN
fsr-3403	492	3	review	review	PROPN
fsr-3403	492	4	,	,	PUNCT
fsr-3403	492	5	12	12	NUM
fsr-3403	492	6	,	,	PUNCT
fsr-3403	492	7	201–217	201–217	NUM
fsr-3403	492	8	.	.	PUNCT
fsr-3403	493	1	wang	wang	PROPN
fsr-3403	493	2	,	,	PUNCT
fsr-3403	493	3	g.	g.	PROPN
fsr-3403	493	4	n.	n.	PROPN
fsr-3403	493	5	,	,	PUNCT
fsr-3403	493	6	&	&	CCONJ
fsr-3403	493	7	hanna	hanna	PROPN
fsr-3403	493	8	,	,	PUNCT
fsr-3403	493	9	s.	s.	PROPN
fsr-3403	493	10	d.	d.	PROPN
fsr-3403	493	11	(	(	PUNCT
fsr-3403	493	12	2019	2019	NUM
fsr-3403	493	13	)	)	PUNCT
fsr-3403	493	14	.	.	PUNCT
fsr-3403	494	1	racial	racial	ADJ
fsr-3403	494	2	/	/	SYM
fsr-3403	494	3	ethnic	ethnic	ADJ
fsr-3403	494	4	disparities	disparity	NOUN
fsr-3403	494	5	in	in	ADP
fsr-3403	494	6	high	high	ADJ
fsr-3403	494	7	return	return	NOUN
fsr-3403	494	8	investment	investment	NOUN
fsr-3403	494	9	ownership	ownership	NOUN
fsr-3403	494	10	:	:	PUNCT
fsr-3403	494	11	a	a	DET
fsr-3403	494	12	heckman	heckman	PROPN
fsr-3403	494	13	selection	selection	PROPN
fsr-3403	494	14	model	model	PROPN
fsr-3403	494	15	.	.	PUNCT
fsr-3403	495	1	applied	apply	VERB
fsr-3403	495	2	economics	economic	NOUN
fsr-3403	495	3	letters	letter	NOUN
fsr-3403	495	4	,	,	PUNCT
fsr-3403	495	5	26	26	NUM
fsr-3403	495	6	,	,	PUNCT
fsr-3403	495	7	111–115	111–115	NUM
fsr-3403	495	8	.	.	PUNCT
fsr-3403	496	1	wang	wang	PROPN
fsr-3403	496	2	,	,	PUNCT
fsr-3403	496	3	l.	l.	PROPN
fsr-3403	496	4	,	,	PUNCT
fsr-3403	496	5	lu	lu	PROPN
fsr-3403	496	6	,	,	PUNCT
fsr-3403	496	7	w.	w.	PROPN
fsr-3403	496	8	,	,	PUNCT
fsr-3403	496	9	&	&	CCONJ
fsr-3403	496	10	malhotra	malhotra	PROPN
fsr-3403	496	11	,	,	PUNCT
fsr-3403	496	12	n.	n.	PROPN
fsr-3403	496	13	k.	k.	PROPN
fsr-3403	496	14	(	(	PUNCT
fsr-3403	496	15	2011	2011	NUM
fsr-3403	496	16	)	)	PUNCT
fsr-3403	496	17	.	.	PUNCT
fsr-3403	497	1	demographics	demographic	NOUN
fsr-3403	497	2	,	,	PUNCT
fsr-3403	497	3	attitude	attitude	NOUN
fsr-3403	497	4	,	,	PUNCT
fsr-3403	497	5	personality	personality	NOUN
fsr-3403	497	6	and	and	CCONJ
fsr-3403	497	7	credit	credit	NOUN
fsr-3403	497	8	card	card	NOUN
fsr-3403	497	9	features	feature	NOUN
fsr-3403	497	10	correlate	correlate	VERB
fsr-3403	497	11	with	with	ADP
fsr-3403	497	12	credit	credit	NOUN
fsr-3403	497	13	card	card	NOUN
fsr-3403	497	14	debt	debt	NOUN
fsr-3403	497	15	:	:	PUNCT
fsr-3403	497	16	a	a	DET
fsr-3403	497	17	view	view	NOUN
fsr-3403	497	18	from	from	ADP
fsr-3403	497	19	china	china	PROPN
fsr-3403	497	20	.	.	PUNCT
fsr-3403	498	1	journal	journal	PROPN
fsr-3403	498	2	of	of	ADP
fsr-3403	498	3	economic	economic	ADJ
fsr-3403	498	4	psychology	psychology	NOUN
fsr-3403	498	5	,	,	PUNCT
fsr-3403	498	6	32	32	NUM
fsr-3403	498	7	,	,	PUNCT
fsr-3403	498	8	179–193	179–193	NUM
fsr-3403	498	9	.	.	PUNCT
fsr-3403	498	10	yilmazer	yilmazer	NOUN
fsr-3403	498	11	,	,	PUNCT
fsr-3403	498	12	t.	t.	PROPN
fsr-3403	498	13	,	,	PUNCT
fsr-3403	498	14	&	&	CCONJ
fsr-3403	498	15	devaney	devaney	PROPN
fsr-3403	498	16	,	,	PUNCT
fsr-3403	498	17	s.	s.	PROPN
fsr-3403	498	18	a.	a.	PROPN
fsr-3403	498	19	(	(	PUNCT
fsr-3403	498	20	2005	2005	NUM
fsr-3403	498	21	)	)	PUNCT
fsr-3403	498	22	.	.	PUNCT
fsr-3403	499	1	household	household	NOUN
fsr-3403	499	2	debt	debt	NOUN
fsr-3403	499	3	over	over	ADP
fsr-3403	499	4	the	the	DET
fsr-3403	499	5	life	life	NOUN
fsr-3403	499	6	cycle	cycle	NOUN
fsr-3403	499	7	.	.	PUNCT
fsr-3403	500	1	financial	financial	ADJ
fsr-3403	500	2	services	service	NOUN
fsr-3403	500	3	review	review	PROPN
fsr-3403	500	4	,	,	PUNCT
fsr-3403	500	5	14	14	NUM
fsr-3403	500	6	,	,	PUNCT
fsr-3403	500	7	285–304	285–304	NUM
fsr-3403	500	8	.	.	PUNCT
fsr-3403	501	1	344	344	NUM
fsr-3403	501	2	r.	r.	PROPN
fsr-3403	501	3	tao	tao	PROPN
fsr-3403	501	4	,	,	PUNCT
fsr-3403	501	5	y.	y.	PROPN
fsr-3403	501	6	yuan	yuan	PROPN
fsr-3403	501	7	/	/	SYM
fsr-3403	501	8	financial	financial	ADJ
fsr-3403	501	9	services	service	NOUN
fsr-3403	501	10	review	review	VERB
fsr-3403	501	11	27	27	NUM
fsr-3403	501	12	(	(	PUNCT
fsr-3403	501	13	2018	2018	NUM
fsr-3403	501	14	)	)	PUNCT
fsr-3403	501	15	325	325	NUM
fsr-3403	501	16	-	-	SYM
fsr-3403	501	17	344	344	NUM