id	sid	tid	token	lemma	pos
fsr-3406	1	1	financial	financial	ADJ
fsr-3406	1	2	capability	capability	NOUN
fsr-3406	1	3	:	:	PUNCT
fsr-3406	1	4	literacy	literacy	NOUN
fsr-3406	1	5	,	,	PUNCT
fsr-3406	1	6	behavior	behavior	NOUN
fsr-3406	1	7	,	,	PUNCT
fsr-3406	1	8	and	and	CCONJ
fsr-3406	1	9	distress	distress	PROPN
fsr-3406	1	10	janine	janine	PROPN
fsr-3406	1	11	k.	k.	PROPN
fsr-3406	1	12	scotta	scotta	PROPN
fsr-3406	1	13	,	,	PUNCT
fsr-3406	1	14	*	*	PUNCT
fsr-3406	1	15	,	,	PUNCT
fsr-3406	1	16	nghia	nghia	NOUN
fsr-3406	1	17	nguyen	nguyen	NOUN
fsr-3406	1	18	vub	vub	NOUN
fsr-3406	1	19	,	,	PUNCT
fsr-3406	1	20	yuanshan	yuanshan	NOUN
fsr-3406	1	21	chengc	chengc	PROPN
fsr-3406	1	22	,	,	PUNCT
fsr-3406	1	23	philip	philip	PROPN
fsr-3406	1	24	gibsonc	gibsonc	ADJ
fsr-3406	1	25	ashepherd	ashepherd	NOUN
fsr-3406	1	26	university	university	NOUN
fsr-3406	1	27	,	,	PUNCT
fsr-3406	1	28	college	college	NOUN
fsr-3406	1	29	of	of	ADP
fsr-3406	1	30	business	business	PROPN
fsr-3406	1	31	administration	administration	PROPN
fsr-3406	1	32	,	,	PUNCT
fsr-3406	1	33	shepherdstown	shepherdstown	PROPN
fsr-3406	1	34	,	,	PUNCT
fsr-3406	1	35	wv	wv	PROPN
fsr-3406	1	36	25443	25443	NUM
fsr-3406	1	37	,	,	PUNCT
fsr-3406	1	38	usa	usa	PROPN
fsr-3406	1	39	bschool	bschool	PROPN
fsr-3406	1	40	of	of	ADP
fsr-3406	1	41	economics	economics	PROPN
fsr-3406	1	42	&	&	CCONJ
fsr-3406	1	43	finance	finance	PROPN
fsr-3406	1	44	,	,	PUNCT
fsr-3406	1	45	massey	massey	PROPN
fsr-3406	1	46	university	university	PROPN
fsr-3406	1	47	,	,	PUNCT
fsr-3406	1	48	palmerston	palmerston	PROPN
fsr-3406	1	49	north	north	PROPN
fsr-3406	1	50	,	,	PUNCT
fsr-3406	1	51	4442	4442	NUM
fsr-3406	1	52	,	,	PUNCT
fsr-3406	1	53	new	new	PROPN
fsr-3406	1	54	zealand	zealand	PROPN
fsr-3406	1	55	cdepartment	cdepartment	NOUN
fsr-3406	1	56	of	of	ADP
fsr-3406	1	57	finance	finance	NOUN
fsr-3406	1	58	,	,	PUNCT
fsr-3406	1	59	winthrop	winthrop	PROPN
fsr-3406	1	60	university	university	PROPN
fsr-3406	1	61	,	,	PUNCT
fsr-3406	1	62	college	college	NOUN
fsr-3406	1	63	of	of	ADP
fsr-3406	1	64	business	business	NOUN
fsr-3406	1	65	and	and	CCONJ
fsr-3406	1	66	administration	administration	NOUN
fsr-3406	1	67	,	,	PUNCT
fsr-3406	1	68	rock	rock	PROPN
fsr-3406	1	69	hill	hill	PROPN
fsr-3406	1	70	,	,	PUNCT
fsr-3406	1	71	sc	sc	PROPN
fsr-3406	1	72	29733	29733	NUM
fsr-3406	1	73	,	,	PUNCT
fsr-3406	1	74	usa	usa	PROPN
fsr-3406	1	75	abstract	abstract	NOUN
fsr-3406	1	76	we	we	PRON
fsr-3406	1	77	inspect	inspect	VERB
fsr-3406	1	78	the	the	DET
fsr-3406	1	79	influence	influence	NOUN
fsr-3406	1	80	of	of	ADP
fsr-3406	1	81	individual	individual	ADJ
fsr-3406	1	82	financial	financial	ADJ
fsr-3406	1	83	knowledge	knowledge	NOUN
fsr-3406	1	84	and	and	CCONJ
fsr-3406	1	85	financial	financial	ADJ
fsr-3406	1	86	behavior	behavior	NOUN
fsr-3406	1	87	on	on	ADP
fsr-3406	1	88	the	the	DET
fsr-3406	1	89	probability	probability	NOUN
fsr-3406	1	90	of	of	ADP
fsr-3406	1	91	experiencing	experience	VERB
fsr-3406	1	92	financial	financial	ADJ
fsr-3406	1	93	distress	distress	NOUN
fsr-3406	1	94	.	.	PUNCT
fsr-3406	2	1	using	use	VERB
fsr-3406	2	2	the	the	DET
fsr-3406	2	3	2015	2015	NUM
fsr-3406	2	4	national	national	ADJ
fsr-3406	2	5	financial	financial	ADJ
fsr-3406	2	6	capability	capability	NOUN
fsr-3406	2	7	study	study	NOUN
fsr-3406	2	8	,	,	PUNCT
fsr-3406	2	9	we	we	PRON
fsr-3406	2	10	examine	examine	VERB
fsr-3406	2	11	three	three	NUM
fsr-3406	2	12	measures	measure	NOUN
fsr-3406	2	13	of	of	ADP
fsr-3406	2	14	financial	financial	ADJ
fsr-3406	2	15	distress	distress	NOUN
fsr-3406	2	16	related	relate	VERB
fsr-3406	2	17	to	to	ADP
fsr-3406	2	18	bill	bill	NOUN
fsr-3406	2	19	payment	payment	NOUN
fsr-3406	2	20	,	,	PUNCT
fsr-3406	2	21	retirement	retirement	NOUN
fsr-3406	2	22	saving	saving	NOUN
fsr-3406	2	23	,	,	PUNCT
fsr-3406	2	24	and	and	CCONJ
fsr-3406	2	25	being	be	AUX
fsr-3406	2	26	late	late	ADJ
fsr-3406	2	27	with	with	ADP
fsr-3406	2	28	a	a	DET
fsr-3406	2	29	mortgage	mortgage	NOUN
fsr-3406	2	30	payment	payment	NOUN
fsr-3406	2	31	.	.	PUNCT
fsr-3406	3	1	financial	financial	ADJ
fsr-3406	3	2	literacy	literacy	NOUN
fsr-3406	3	3	and	and	CCONJ
fsr-3406	3	4	financial	financial	ADJ
fsr-3406	3	5	behavior	behavior	NOUN
fsr-3406	3	6	indices	index	NOUN
fsr-3406	3	7	are	be	AUX
fsr-3406	3	8	constructed	construct	VERB
fsr-3406	3	9	using	use	VERB
fsr-3406	3	10	questions	question	NOUN
fsr-3406	3	11	from	from	ADP
fsr-3406	3	12	the	the	DET
fsr-3406	3	13	survey	survey	NOUN
fsr-3406	3	14	that	that	PRON
fsr-3406	3	15	pertain	pertain	VERB
fsr-3406	3	16	to	to	ADP
fsr-3406	3	17	financial	financial	ADJ
fsr-3406	3	18	knowledge	knowledge	NOUN
fsr-3406	3	19	(	(	PUNCT
fsr-3406	3	20	ranging	range	VERB
fsr-3406	3	21	in	in	ADP
fsr-3406	3	22	complexity	complexity	NOUN
fsr-3406	3	23	)	)	PUNCT
fsr-3406	3	24	and	and	CCONJ
fsr-3406	3	25	financial	financial	ADJ
fsr-3406	3	26	decision	decision	NOUN
fsr-3406	3	27	-	-	PUNCT
fsr-3406	3	28	making	making	NOUN
fsr-3406	3	29	.	.	PUNCT
fsr-3406	4	1	in	in	ADP
fsr-3406	4	2	addition	addition	NOUN
fsr-3406	4	3	to	to	ADP
fsr-3406	4	4	the	the	DET
fsr-3406	4	5	influence	influence	NOUN
fsr-3406	4	6	of	of	ADP
fsr-3406	4	7	socioeconomic	socioeconomic	ADJ
fsr-3406	4	8	factors	factor	NOUN
fsr-3406	4	9	,	,	PUNCT
fsr-3406	4	10	the	the	DET
fsr-3406	4	11	conclusion	conclusion	NOUN
fsr-3406	4	12	suggests	suggest	VERB
fsr-3406	4	13	that	that	SCONJ
fsr-3406	4	14	financial	financial	ADJ
fsr-3406	4	15	literacy	literacy	NOUN
fsr-3406	4	16	and	and	CCONJ
fsr-3406	4	17	positive	positive	ADJ
fsr-3406	4	18	behavior	behavior	NOUN
fsr-3406	4	19	reduces	reduce	VERB
fsr-3406	4	20	financial	financial	ADJ
fsr-3406	4	21	distress	distress	NOUN
fsr-3406	4	22	stemming	stem	VERB
fsr-3406	4	23	from	from	ADP
fsr-3406	4	24	simple	simple	ADJ
fsr-3406	4	25	financial	financial	ADJ
fsr-3406	4	26	matters	matter	NOUN
fsr-3406	4	27	.	.	PUNCT
fsr-3406	5	1	however	however	ADV
fsr-3406	5	2	,	,	PUNCT
fsr-3406	5	3	the	the	DET
fsr-3406	5	4	opposite	opposite	NOUN
fsr-3406	5	5	is	be	AUX
fsr-3406	5	6	observed	observe	VERB
fsr-3406	5	7	for	for	ADP
fsr-3406	5	8	more	more	ADV
fsr-3406	5	9	complex	complex	ADJ
fsr-3406	5	10	financial	financial	ADJ
fsr-3406	5	11	decisions	decision	NOUN
fsr-3406	5	12	.	.	PUNCT
fsr-3406	6	1	©	©	PROPN
fsr-3406	6	2	2018	2018	NUM
fsr-3406	6	3	academy	academy	NOUN
fsr-3406	6	4	of	of	ADP
fsr-3406	6	5	financial	financial	ADJ
fsr-3406	6	6	services	service	NOUN
fsr-3406	6	7	.	.	PUNCT
fsr-3406	7	1	all	all	DET
fsr-3406	7	2	rights	right	NOUN
fsr-3406	7	3	reserved	reserve	VERB
fsr-3406	7	4	.	.	PUNCT
fsr-3406	8	1	jel	jel	PROPN
fsr-3406	8	2	classification	classification	PROPN
fsr-3406	8	3	:	:	PUNCT
fsr-3406	8	4	d10	d10	PROPN
fsr-3406	8	5	;	;	PUNCT
fsr-3406	8	6	d14	d14	PROPN
fsr-3406	8	7	;	;	PUNCT
fsr-3406	8	8	d19	d19	NOUN
fsr-3406	8	9	keywords	keyword	NOUN
fsr-3406	8	10	:	:	PUNCT
fsr-3406	8	11	financial	financial	ADJ
fsr-3406	8	12	distress	distress	NOUN
fsr-3406	8	13	;	;	PUNCT
fsr-3406	8	14	financial	financial	ADJ
fsr-3406	8	15	behavior	behavior	NOUN
fsr-3406	8	16	;	;	PUNCT
fsr-3406	8	17	literacy	literacy	NOUN
fsr-3406	8	18	1	1	NUM
fsr-3406	8	19	.	.	PUNCT
fsr-3406	8	20	introduction	introduction	NOUN
fsr-3406	8	21	the	the	DET
fsr-3406	8	22	recognition	recognition	NOUN
fsr-3406	8	23	of	of	ADP
fsr-3406	8	24	financial	financial	ADJ
fsr-3406	8	25	literacy	literacy	NOUN
fsr-3406	8	26	has	have	AUX
fsr-3406	8	27	been	be	AUX
fsr-3406	8	28	increasing	increase	VERB
fsr-3406	8	29	remarkably	remarkably	ADV
fsr-3406	8	30	as	as	ADP
fsr-3406	8	31	a	a	DET
fsr-3406	8	32	crucial	crucial	ADJ
fsr-3406	8	33	skill	skill	NOUN
fsr-3406	8	34	for	for	ADP
fsr-3406	8	35	individuals	individual	NOUN
fsr-3406	8	36	in	in	ADP
fsr-3406	8	37	the	the	DET
fsr-3406	8	38	modern	modern	ADJ
fsr-3406	8	39	world	world	NOUN
fsr-3406	8	40	.	.	PUNCT
fsr-3406	9	1	moreover	moreover	ADV
fsr-3406	9	2	,	,	PUNCT
fsr-3406	9	3	financial	financial	ADJ
fsr-3406	9	4	literacy	literacy	NOUN
fsr-3406	9	5	has	have	AUX
fsr-3406	9	6	gained	gain	VERB
fsr-3406	9	7	the	the	DET
fsr-3406	9	8	notice	notice	NOUN
fsr-3406	9	9	of	of	ADP
fsr-3406	9	10	many	many	ADJ
fsr-3406	9	11	stakeholders	stakeholder	NOUN
fsr-3406	9	12	,	,	PUNCT
fsr-3406	9	13	including	include	VERB
fsr-3406	9	14	academic	academic	ADJ
fsr-3406	9	15	scholars	scholar	NOUN
fsr-3406	9	16	and	and	CCONJ
fsr-3406	9	17	legislators	legislator	NOUN
fsr-3406	9	18	.	.	PUNCT
fsr-3406	10	1	given	give	VERB
fsr-3406	10	2	the	the	DET
fsr-3406	10	3	uncertainty	uncertainty	NOUN
fsr-3406	10	4	of	of	ADP
fsr-3406	10	5	welfare	welfare	NOUN
fsr-3406	10	6	systems	system	NOUN
fsr-3406	10	7	in	in	ADP
fsr-3406	10	8	many	many	ADJ
fsr-3406	10	9	developed	develop	VERB
fsr-3406	10	10	countries	country	NOUN
fsr-3406	10	11	,	,	PUNCT
fsr-3406	10	12	financial	financial	ADJ
fsr-3406	10	13	risks	risk	NOUN
fsr-3406	10	14	and	and	CCONJ
fsr-3406	10	15	responsibilities	responsibility	NOUN
fsr-3406	10	16	are	be	AUX
fsr-3406	10	17	being	be	AUX
fsr-3406	10	18	deflected	deflect	VERB
fsr-3406	10	19	to	to	ADP
fsr-3406	10	20	government	government	NOUN
fsr-3406	10	21	institutions	institution	NOUN
fsr-3406	10	22	,	,	PUNCT
fsr-3406	10	23	such	such	ADJ
fsr-3406	10	24	as	as	ADP
fsr-3406	10	25	in	in	ADP
fsr-3406	10	26	the	the	DET
fsr-3406	10	27	form	form	NOUN
fsr-3406	10	28	of	of	ADP
fsr-3406	10	29	health	health	NOUN
fsr-3406	10	30	insurance	insurance	NOUN
fsr-3406	10	31	and	and	CCONJ
fsr-3406	10	32	retirement	retirement	NOUN
fsr-3406	10	33	saving	saving	NOUN
fsr-3406	10	34	*	*	PUNCT
fsr-3406	10	35	corresponding	correspond	VERB
fsr-3406	10	36	author	author	NOUN
fsr-3406	10	37	.	.	PUNCT
fsr-3406	11	1	tel	tel	PROPN
fsr-3406	11	2	.	.	PUNCT
fsr-3406	11	3	:	:	PUNCT
fsr-3406	12	1	�	�	PROPN
fsr-3406	12	2	1	1	NUM
fsr-3406	12	3	-	-	SYM
fsr-3406	12	4	304	304	NUM
fsr-3406	12	5	-	-	PUNCT
fsr-3406	12	6	876	876	NUM
fsr-3406	12	7	-	-	SYM
fsr-3406	12	8	5281	5281	NUM
fsr-3406	12	9	.	.	PUNCT
fsr-3406	13	1	e	e	X
fsr-3406	13	2	-	-	NOUN
fsr-3406	13	3	mail	mail	NOUN
fsr-3406	13	4	address	address	NOUN
fsr-3406	13	5	:	:	PUNCT
fsr-3406	13	6	jscott@shepherd.edu	jscott@shepherd.edu	PROPN
fsr-3406	13	7	(	(	PUNCT
fsr-3406	13	8	j.k	j.k	PROPN
fsr-3406	13	9	.	.	PROPN
fsr-3406	13	10	scott	scott	PROPN
fsr-3406	13	11	)	)	PUNCT
fsr-3406	13	12	financial	financial	ADJ
fsr-3406	13	13	services	service	NOUN
fsr-3406	13	14	review	review	VERB
fsr-3406	13	15	27	27	NUM
fsr-3406	13	16	(	(	PUNCT
fsr-3406	13	17	2018	2018	NUM
fsr-3406	13	18	)	)	PUNCT
fsr-3406	13	19	391	391	NUM
fsr-3406	13	20	-	-	SYM
fsr-3406	13	21	411	411	NUM
fsr-3406	13	22	1057	1057	NUM
fsr-3406	13	23	-	-	SYM
fsr-3406	13	24	0810/18/$	0810/18/$	NUM
fsr-3406	13	25	–	–	PUNCT
fsr-3406	13	26	see	see	VERB
fsr-3406	13	27	front	front	ADJ
fsr-3406	13	28	matter	matter	NOUN
fsr-3406	13	29	©	©	PROPN
fsr-3406	13	30	2018	2018	NUM
fsr-3406	13	31	academy	academy	NOUN
fsr-3406	13	32	of	of	ADP
fsr-3406	13	33	financial	financial	ADJ
fsr-3406	13	34	services	service	NOUN
fsr-3406	13	35	.	.	PUNCT
fsr-3406	14	1	all	all	DET
fsr-3406	14	2	rights	right	NOUN
fsr-3406	14	3	reserved	reserve	VERB
fsr-3406	14	4	.	.	PUNCT
fsr-3406	15	1	programs	program	NOUN
fsr-3406	15	2	or	or	CCONJ
fsr-3406	15	3	initiatives	initiative	NOUN
fsr-3406	15	4	.	.	PUNCT
fsr-3406	16	1	meanwhile	meanwhile	ADV
fsr-3406	16	2	,	,	PUNCT
fsr-3406	16	3	the	the	DET
fsr-3406	16	4	increasing	increase	VERB
fsr-3406	16	5	complexity	complexity	NOUN
fsr-3406	16	6	of	of	ADP
fsr-3406	16	7	financial	financial	ADJ
fsr-3406	16	8	products	product	NOUN
fsr-3406	16	9	serves	serve	VERB
fsr-3406	16	10	as	as	ADP
fsr-3406	16	11	a	a	DET
fsr-3406	16	12	barrier	barrier	NOUN
fsr-3406	16	13	for	for	ADP
fsr-3406	16	14	many	many	ADJ
fsr-3406	16	15	individuals	individual	NOUN
fsr-3406	16	16	to	to	PART
fsr-3406	16	17	effectively	effectively	ADV
fsr-3406	16	18	evaluate	evaluate	VERB
fsr-3406	16	19	and	and	CCONJ
fsr-3406	16	20	compare	compare	VERB
fsr-3406	16	21	financial	financial	ADJ
fsr-3406	16	22	products	product	NOUN
fsr-3406	16	23	as	as	SCONJ
fsr-3406	16	24	they	they	PRON
fsr-3406	16	25	try	try	VERB
fsr-3406	16	26	to	to	PART
fsr-3406	16	27	engage	engage	VERB
fsr-3406	16	28	with	with	ADP
fsr-3406	16	29	financial	financial	ADJ
fsr-3406	16	30	markets	market	NOUN
fsr-3406	16	31	.	.	PUNCT
fsr-3406	17	1	a	a	DET
fsr-3406	17	2	detrimental	detrimental	ADJ
fsr-3406	17	3	factor	factor	NOUN
fsr-3406	17	4	associated	associate	VERB
fsr-3406	17	5	with	with	ADP
fsr-3406	17	6	hindering	hinder	VERB
fsr-3406	17	7	financial	financial	ADJ
fsr-3406	17	8	capability	capability	NOUN
fsr-3406	17	9	is	be	AUX
fsr-3406	17	10	the	the	DET
fsr-3406	17	11	enlargement	enlargement	NOUN
fsr-3406	17	12	of	of	ADP
fsr-3406	17	13	credit	credit	NOUN
fsr-3406	17	14	and	and	CCONJ
fsr-3406	17	15	mortgage	mortgage	NOUN
fsr-3406	17	16	segments	segment	NOUN
fsr-3406	17	17	,	,	PUNCT
fsr-3406	17	18	where	where	SCONJ
fsr-3406	17	19	it	it	PRON
fsr-3406	17	20	is	be	AUX
fsr-3406	17	21	apparent	apparent	ADJ
fsr-3406	17	22	that	that	SCONJ
fsr-3406	17	23	access	access	NOUN
fsr-3406	17	24	and	and	CCONJ
fsr-3406	17	25	subsequent	subsequent	ADJ
fsr-3406	17	26	informed	inform	VERB
fsr-3406	17	27	behavior	behavior	NOUN
fsr-3406	17	28	does	do	AUX
fsr-3406	17	29	not	not	PART
fsr-3406	17	30	go	go	VERB
fsr-3406	17	31	hand	hand	NOUN
fsr-3406	17	32	in	in	ADP
fsr-3406	17	33	hand	hand	NOUN
fsr-3406	17	34	.	.	PUNCT
fsr-3406	18	1	for	for	ADP
fsr-3406	18	2	example	example	NOUN
fsr-3406	18	3	,	,	PUNCT
fsr-3406	18	4	many	many	ADJ
fsr-3406	18	5	find	find	VERB
fsr-3406	18	6	it	it	PRON
fsr-3406	18	7	challenging	challenge	VERB
fsr-3406	18	8	to	to	PART
fsr-3406	18	9	afford	afford	VERB
fsr-3406	18	10	daily	daily	ADJ
fsr-3406	18	11	expenses	expense	NOUN
fsr-3406	18	12	because	because	SCONJ
fsr-3406	18	13	of	of	ADP
fsr-3406	18	14	risky	risky	ADJ
fsr-3406	18	15	financial	financial	ADJ
fsr-3406	18	16	decisions	decision	NOUN
fsr-3406	18	17	such	such	ADJ
fsr-3406	18	18	as	as	ADP
fsr-3406	18	19	taking	take	VERB
fsr-3406	18	20	on	on	ADP
fsr-3406	18	21	“	"	PUNCT
fsr-3406	18	22	too	too	ADV
fsr-3406	18	23	much	much	ADJ
fsr-3406	18	24	house	house	NOUN
fsr-3406	18	25	”	"	PUNCT
fsr-3406	18	26	in	in	ADP
fsr-3406	18	27	the	the	DET
fsr-3406	18	28	form	form	NOUN
fsr-3406	18	29	of	of	ADP
fsr-3406	18	30	unaffordable	unaffordable	ADJ
fsr-3406	18	31	mortgages	mortgage	NOUN
fsr-3406	18	32	,	,	PUNCT
fsr-3406	18	33	signing	sign	VERB
fsr-3406	18	34	contracts	contract	NOUN
fsr-3406	18	35	with	with	ADP
fsr-3406	18	36	terms	term	NOUN
fsr-3406	18	37	and	and	CCONJ
fsr-3406	18	38	conditions	condition	NOUN
fsr-3406	18	39	not	not	PART
fsr-3406	18	40	fully	fully	ADV
fsr-3406	18	41	understood	understand	VERB
fsr-3406	18	42	,	,	PUNCT
fsr-3406	18	43	and	and	CCONJ
fsr-3406	18	44	spending	spend	VERB
fsr-3406	18	45	far	far	ADV
fsr-3406	18	46	more	more	ADV
fsr-3406	18	47	than	than	ADP
fsr-3406	18	48	earning	earn	VERB
fsr-3406	18	49	,	,	PUNCT
fsr-3406	18	50	impeding	impede	VERB
fsr-3406	18	51	“	"	PUNCT
fsr-3406	18	52	rainy	rainy	ADJ
fsr-3406	18	53	day	day	NOUN
fsr-3406	18	54	”	"	PUNCT
fsr-3406	18	55	savings	saving	NOUN
fsr-3406	18	56	.	.	PUNCT
fsr-3406	19	1	many	many	ADJ
fsr-3406	19	2	researchers	researcher	NOUN
fsr-3406	19	3	suggest	suggest	VERB
fsr-3406	19	4	the	the	DET
fsr-3406	19	5	application	application	NOUN
fsr-3406	19	6	of	of	ADP
fsr-3406	19	7	financial	financial	ADJ
fsr-3406	19	8	knowledge	knowledge	NOUN
fsr-3406	19	9	can	can	AUX
fsr-3406	19	10	be	be	AUX
fsr-3406	19	11	seen	see	VERB
fsr-3406	19	12	in	in	ADP
fsr-3406	19	13	consistent	consistent	ADJ
fsr-3406	19	14	saving	saving	NOUN
fsr-3406	19	15	,	,	PUNCT
fsr-3406	19	16	retirement	retirement	NOUN
fsr-3406	19	17	planning	planning	NOUN
fsr-3406	19	18	,	,	PUNCT
fsr-3406	19	19	and	and	CCONJ
fsr-3406	19	20	building	build	VERB
fsr-3406	19	21	investments	investment	NOUN
fsr-3406	19	22	.	.	PUNCT
fsr-3406	20	1	while	while	SCONJ
fsr-3406	20	2	studies	study	NOUN
fsr-3406	20	3	have	have	AUX
fsr-3406	20	4	examined	examine	VERB
fsr-3406	20	5	the	the	DET
fsr-3406	20	6	correlation	correlation	NOUN
fsr-3406	20	7	of	of	ADP
fsr-3406	20	8	financial	financial	ADJ
fsr-3406	20	9	literacy	literacy	NOUN
fsr-3406	20	10	and	and	CCONJ
fsr-3406	20	11	financial	financial	ADJ
fsr-3406	20	12	behavior	behavior	NOUN
fsr-3406	20	13	(	(	PUNCT
fsr-3406	20	14	fernandes	fernandes	PROPN
fsr-3406	20	15	,	,	PUNCT
fsr-3406	20	16	lynch	lynch	PROPN
fsr-3406	20	17	,	,	PUNCT
fsr-3406	20	18	and	and	CCONJ
fsr-3406	20	19	netemeyer	netemeyer	NOUN
fsr-3406	20	20	2014	2014	NUM
fsr-3406	20	21	)	)	PUNCT
fsr-3406	20	22	,	,	PUNCT
fsr-3406	20	23	little	little	ADJ
fsr-3406	20	24	is	be	AUX
fsr-3406	20	25	known	know	VERB
fsr-3406	20	26	on	on	ADP
fsr-3406	20	27	how	how	SCONJ
fsr-3406	20	28	financial	financial	ADJ
fsr-3406	20	29	literacy	literacy	NOUN
fsr-3406	20	30	and	and	CCONJ
fsr-3406	20	31	financial	financial	ADJ
fsr-3406	20	32	knowledge	knowledge	NOUN
fsr-3406	20	33	impact	impact	NOUN
fsr-3406	20	34	financial	financial	ADJ
fsr-3406	20	35	distress	distress	NOUN
fsr-3406	20	36	.	.	PUNCT
fsr-3406	21	1	this	this	DET
fsr-3406	21	2	paper	paper	NOUN
fsr-3406	21	3	aims	aim	VERB
fsr-3406	21	4	to	to	PART
fsr-3406	21	5	widen	widen	VERB
fsr-3406	21	6	this	this	DET
fsr-3406	21	7	area	area	NOUN
fsr-3406	21	8	of	of	ADP
fsr-3406	21	9	research	research	NOUN
fsr-3406	21	10	by	by	ADP
fsr-3406	21	11	introducing	introduce	VERB
fsr-3406	21	12	analysis	analysis	NOUN
fsr-3406	21	13	on	on	ADP
fsr-3406	21	14	a	a	DET
fsr-3406	21	15	(	(	PUNCT
fsr-3406	21	16	united	united	PROPN
fsr-3406	21	17	states	states	PROPN
fsr-3406	21	18	)	)	PUNCT
fsr-3406	21	19	national	national	ADJ
fsr-3406	21	20	scale	scale	NOUN
fsr-3406	21	21	.	.	PUNCT
fsr-3406	22	1	specifically	specifically	ADV
fsr-3406	22	2	,	,	PUNCT
fsr-3406	22	3	we	we	PRON
fsr-3406	22	4	analyze	analyze	VERB
fsr-3406	22	5	whether	whether	SCONJ
fsr-3406	22	6	financial	financial	ADJ
fsr-3406	22	7	literacy	literacy	NOUN
fsr-3406	22	8	affects	affect	VERB
fsr-3406	22	9	making	make	VERB
fsr-3406	22	10	sound	sound	ADJ
fsr-3406	22	11	financial	financial	ADJ
fsr-3406	22	12	decisions	decision	NOUN
fsr-3406	22	13	;	;	PUNCT
fsr-3406	22	14	thus	thus	ADV
fsr-3406	22	15	,	,	PUNCT
fsr-3406	22	16	reducing	reduce	VERB
fsr-3406	22	17	financial	financial	ADJ
fsr-3406	22	18	distress	distress	NOUN
fsr-3406	22	19	.	.	PUNCT
fsr-3406	23	1	however	however	ADV
fsr-3406	23	2	,	,	PUNCT
fsr-3406	23	3	to	to	PART
fsr-3406	23	4	effectively	effectively	ADV
fsr-3406	23	5	manage	manage	VERB
fsr-3406	23	6	personal	personal	ADJ
fsr-3406	23	7	finances	finance	NOUN
fsr-3406	23	8	,	,	PUNCT
fsr-3406	23	9	there	there	PRON
fsr-3406	23	10	should	should	AUX
fsr-3406	23	11	be	be	AUX
fsr-3406	23	12	a	a	DET
fsr-3406	23	13	certain	certain	ADJ
fsr-3406	23	14	level	level	NOUN
fsr-3406	23	15	of	of	ADP
fsr-3406	23	16	rationality	rationality	NOUN
fsr-3406	23	17	with	with	ADP
fsr-3406	23	18	similar	similar	ADJ
fsr-3406	23	19	behavior	behavior	NOUN
fsr-3406	23	20	.	.	PUNCT
fsr-3406	24	1	therefore	therefore	ADV
fsr-3406	24	2	,	,	PUNCT
fsr-3406	24	3	financial	financial	ADJ
fsr-3406	24	4	behavior	behavior	NOUN
fsr-3406	24	5	is	be	AUX
fsr-3406	24	6	a	a	DET
fsr-3406	24	7	determinant	determinant	ADJ
fsr-3406	24	8	that	that	PRON
fsr-3406	24	9	will	will	AUX
fsr-3406	24	10	be	be	AUX
fsr-3406	24	11	considered	consider	VERB
fsr-3406	24	12	to	to	PART
fsr-3406	24	13	assess	assess	VERB
fsr-3406	24	14	the	the	DET
fsr-3406	24	15	financial	financial	ADJ
fsr-3406	24	16	performance	performance	NOUN
fsr-3406	24	17	of	of	ADP
fsr-3406	24	18	an	an	DET
fsr-3406	24	19	individual	individual	NOUN
fsr-3406	24	20	in	in	ADP
fsr-3406	24	21	different	different	ADJ
fsr-3406	24	22	financial	financial	ADJ
fsr-3406	24	23	circumstances	circumstance	NOUN
fsr-3406	24	24	.	.	PUNCT
fsr-3406	25	1	the	the	DET
fsr-3406	25	2	2015	2015	NUM
fsr-3406	25	3	national	national	ADJ
fsr-3406	25	4	financial	financial	ADJ
fsr-3406	25	5	capability	capability	NOUN
fsr-3406	25	6	study	study	NOUN
fsr-3406	25	7	is	be	AUX
fsr-3406	25	8	useful	useful	ADJ
fsr-3406	25	9	for	for	ADP
fsr-3406	25	10	examining	examine	VERB
fsr-3406	25	11	causes	cause	NOUN
fsr-3406	25	12	of	of	ADP
fsr-3406	25	13	financial	financial	ADJ
fsr-3406	25	14	distress	distress	NOUN
fsr-3406	25	15	;	;	PUNCT
fsr-3406	25	16	looking	look	VERB
fsr-3406	25	17	at	at	ADP
fsr-3406	25	18	the	the	DET
fsr-3406	25	19	capability	capability	NOUN
fsr-3406	25	20	of	of	ADP
fsr-3406	25	21	individuals	individual	NOUN
fsr-3406	25	22	to	to	PART
fsr-3406	25	23	meet	meet	VERB
fsr-3406	25	24	basic	basic	ADJ
fsr-3406	25	25	and	and	CCONJ
fsr-3406	25	26	more	more	ADV
fsr-3406	25	27	complex	complex	ADJ
fsr-3406	25	28	financial	financial	ADJ
fsr-3406	25	29	needs	need	NOUN
fsr-3406	25	30	,	,	PUNCT
fsr-3406	25	31	as	as	ADV
fsr-3406	25	32	well	well	ADV
fsr-3406	25	33	as	as	ADP
fsr-3406	25	34	the	the	DET
fsr-3406	25	35	skills	skill	NOUN
fsr-3406	25	36	and	and	CCONJ
fsr-3406	25	37	knowledge	knowledge	NOUN
fsr-3406	25	38	necessary	necessary	ADJ
fsr-3406	25	39	to	to	PART
fsr-3406	25	40	make	make	VERB
fsr-3406	25	41	wise	wise	ADJ
fsr-3406	25	42	financial	financial	ADJ
fsr-3406	25	43	decisions	decision	NOUN
fsr-3406	25	44	.	.	PUNCT
fsr-3406	26	1	we	we	PRON
fsr-3406	26	2	use	use	VERB
fsr-3406	26	3	a	a	DET
fsr-3406	26	4	set	set	NOUN
fsr-3406	26	5	of	of	ADP
fsr-3406	26	6	questions	question	NOUN
fsr-3406	26	7	from	from	ADP
fsr-3406	26	8	the	the	DET
fsr-3406	26	9	survey	survey	NOUN
fsr-3406	26	10	to	to	PART
fsr-3406	26	11	construct	construct	VERB
fsr-3406	26	12	a	a	DET
fsr-3406	26	13	financial	financial	ADJ
fsr-3406	26	14	literacy	literacy	NOUN
fsr-3406	26	15	index	index	NOUN
fsr-3406	26	16	,	,	PUNCT
fsr-3406	26	17	a	a	DET
fsr-3406	26	18	financial	financial	ADJ
fsr-3406	26	19	behavior	behavior	NOUN
fsr-3406	26	20	index	index	NOUN
fsr-3406	26	21	,	,	PUNCT
fsr-3406	26	22	and	and	CCONJ
fsr-3406	26	23	to	to	PART
fsr-3406	26	24	assess	assess	VERB
fsr-3406	26	25	three	three	NUM
fsr-3406	26	26	aspects	aspect	NOUN
fsr-3406	26	27	of	of	ADP
fsr-3406	26	28	financial	financial	ADJ
fsr-3406	26	29	distress	distress	NOUN
fsr-3406	26	30	.	.	PUNCT
fsr-3406	27	1	this	this	PRON
fsr-3406	27	2	includes	include	VERB
fsr-3406	27	3	difficulty	difficulty	NOUN
fsr-3406	27	4	in	in	ADP
fsr-3406	27	5	paying	pay	VERB
fsr-3406	27	6	bills	bill	NOUN
fsr-3406	27	7	,	,	PUNCT
fsr-3406	27	8	worrying	worry	VERB
fsr-3406	27	9	about	about	ADP
fsr-3406	27	10	retirement	retirement	NOUN
fsr-3406	27	11	saving	saving	NOUN
fsr-3406	27	12	and	and	CCONJ
fsr-3406	27	13	being	be	AUX
fsr-3406	27	14	late	late	ADJ
fsr-3406	27	15	with	with	ADP
fsr-3406	27	16	a	a	DET
fsr-3406	27	17	mortgage	mortgage	NOUN
fsr-3406	27	18	payment	payment	NOUN
fsr-3406	27	19	.	.	PUNCT
fsr-3406	28	1	we	we	PRON
fsr-3406	28	2	find	find	VERB
fsr-3406	28	3	that	that	SCONJ
fsr-3406	28	4	financial	financial	ADJ
fsr-3406	28	5	literacy	literacy	NOUN
fsr-3406	28	6	positively	positively	ADV
fsr-3406	28	7	contributes	contribute	VERB
fsr-3406	28	8	to	to	ADP
fsr-3406	28	9	the	the	DET
fsr-3406	28	10	prevention	prevention	NOUN
fsr-3406	28	11	of	of	ADP
fsr-3406	28	12	financial	financial	ADJ
fsr-3406	28	13	distress	distress	NOUN
fsr-3406	28	14	.	.	PUNCT
fsr-3406	29	1	nonetheless	nonetheless	ADV
fsr-3406	29	2	,	,	PUNCT
fsr-3406	29	3	financial	financial	ADJ
fsr-3406	29	4	behavior	behavior	NOUN
fsr-3406	29	5	emerges	emerge	VERB
fsr-3406	29	6	as	as	ADP
fsr-3406	29	7	having	have	VERB
fsr-3406	29	8	more	more	ADJ
fsr-3406	29	9	of	of	ADP
fsr-3406	29	10	an	an	DET
fsr-3406	29	11	impact	impact	NOUN
fsr-3406	29	12	on	on	ADP
fsr-3406	29	13	experiencing	experience	VERB
fsr-3406	29	14	financial	financial	ADJ
fsr-3406	29	15	distress	distress	NOUN
fsr-3406	29	16	,	,	PUNCT
fsr-3406	29	17	more	more	ADV
fsr-3406	29	18	so	so	ADV
fsr-3406	29	19	than	than	ADP
fsr-3406	29	20	financial	financial	ADJ
fsr-3406	29	21	literacy	literacy	NOUN
fsr-3406	29	22	.	.	PUNCT
fsr-3406	30	1	the	the	DET
fsr-3406	30	2	results	result	NOUN
fsr-3406	30	3	are	be	AUX
fsr-3406	30	4	statistically	statistically	ADV
fsr-3406	30	5	significant	significant	ADJ
fsr-3406	30	6	for	for	ADP
fsr-3406	30	7	all	all	DET
fsr-3406	30	8	three	three	NUM
fsr-3406	30	9	measures	measure	NOUN
fsr-3406	30	10	.	.	PUNCT
fsr-3406	31	1	this	this	DET
fsr-3406	31	2	study	study	NOUN
fsr-3406	31	3	is	be	AUX
fsr-3406	31	4	structured	structure	VERB
fsr-3406	31	5	as	as	SCONJ
fsr-3406	31	6	follows	follow	VERB
fsr-3406	31	7	:	:	PUNCT
fsr-3406	31	8	in	in	ADP
fsr-3406	31	9	the	the	DET
fsr-3406	31	10	following	follow	VERB
fsr-3406	31	11	section	section	NOUN
fsr-3406	31	12	,	,	PUNCT
fsr-3406	31	13	we	we	PRON
fsr-3406	31	14	review	review	VERB
fsr-3406	31	15	the	the	DET
fsr-3406	31	16	existing	exist	VERB
fsr-3406	31	17	literature	literature	NOUN
fsr-3406	31	18	on	on	ADP
fsr-3406	31	19	financial	financial	ADJ
fsr-3406	31	20	literacy	literacy	NOUN
fsr-3406	31	21	,	,	PUNCT
fsr-3406	31	22	financial	financial	ADJ
fsr-3406	31	23	behavior	behavior	NOUN
fsr-3406	31	24	,	,	PUNCT
fsr-3406	31	25	and	and	CCONJ
fsr-3406	31	26	financial	financial	ADJ
fsr-3406	31	27	distress	distress	NOUN
fsr-3406	31	28	.	.	PUNCT
fsr-3406	32	1	the	the	DET
fsr-3406	32	2	third	third	ADJ
fsr-3406	32	3	section	section	NOUN
fsr-3406	32	4	of	of	ADP
fsr-3406	32	5	the	the	DET
fsr-3406	32	6	paper	paper	NOUN
fsr-3406	32	7	describes	describe	VERB
fsr-3406	32	8	the	the	DET
fsr-3406	32	9	data	datum	NOUN
fsr-3406	32	10	used	use	VERB
fsr-3406	32	11	and	and	CCONJ
fsr-3406	32	12	the	the	DET
fsr-3406	32	13	socioeconomic	socioeconomic	ADJ
fsr-3406	32	14	characteristics	characteristic	NOUN
fsr-3406	32	15	of	of	ADP
fsr-3406	32	16	the	the	DET
fsr-3406	32	17	sample	sample	NOUN
fsr-3406	32	18	.	.	PUNCT
fsr-3406	33	1	the	the	DET
fsr-3406	33	2	model	model	NOUN
fsr-3406	33	3	and	and	CCONJ
fsr-3406	33	4	methodology	methodology	NOUN
fsr-3406	33	5	are	be	AUX
fsr-3406	33	6	presented	present	VERB
fsr-3406	33	7	in	in	ADP
fsr-3406	33	8	the	the	DET
fsr-3406	33	9	fourth	fourth	ADJ
fsr-3406	33	10	section	section	NOUN
fsr-3406	33	11	,	,	PUNCT
fsr-3406	33	12	where	where	SCONJ
fsr-3406	33	13	the	the	DET
fsr-3406	33	14	construction	construction	NOUN
fsr-3406	33	15	of	of	ADP
fsr-3406	33	16	the	the	DET
fsr-3406	33	17	measures	measure	NOUN
fsr-3406	33	18	for	for	ADP
fsr-3406	33	19	financial	financial	ADJ
fsr-3406	33	20	literacy	literacy	NOUN
fsr-3406	33	21	,	,	PUNCT
fsr-3406	33	22	financial	financial	ADJ
fsr-3406	33	23	behavior	behavior	NOUN
fsr-3406	33	24	,	,	PUNCT
fsr-3406	33	25	and	and	CCONJ
fsr-3406	33	26	over	over	ADP
fsr-3406	33	27	-	-	PUNCT
fsr-3406	33	28	indebtedness	indebtedness	NOUN
fsr-3406	33	29	are	be	AUX
fsr-3406	33	30	explained	explain	VERB
fsr-3406	33	31	in	in	ADP
fsr-3406	33	32	more	more	ADJ
fsr-3406	33	33	detail	detail	NOUN
fsr-3406	33	34	.	.	PUNCT
fsr-3406	34	1	section	section	NOUN
fsr-3406	34	2	5	5	NUM
fsr-3406	34	3	presents	present	VERB
fsr-3406	34	4	the	the	DET
fsr-3406	34	5	data	datum	NOUN
fsr-3406	34	6	analysis	analysis	NOUN
fsr-3406	34	7	,	,	PUNCT
fsr-3406	34	8	and	and	CCONJ
fsr-3406	34	9	section	section	NOUN
fsr-3406	34	10	6	6	NUM
fsr-3406	34	11	summarizes	summarize	NOUN
fsr-3406	34	12	and	and	CCONJ
fsr-3406	34	13	concludes	conclude	VERB
fsr-3406	34	14	.	.	PUNCT
fsr-3406	35	1	2	2	X
fsr-3406	35	2	.	.	X
fsr-3406	35	3	literature	literature	NOUN
fsr-3406	35	4	review	review	VERB
fsr-3406	35	5	2.1	2.1	NUM
fsr-3406	35	6	.	.	PUNCT
fsr-3406	36	1	financial	financial	ADJ
fsr-3406	36	2	literacy	literacy	NOUN
fsr-3406	36	3	:	:	PUNCT
fsr-3406	36	4	concept	concept	NOUN
fsr-3406	36	5	and	and	CCONJ
fsr-3406	36	6	measurement	measurement	NOUN
fsr-3406	36	7	in	in	ADP
fsr-3406	36	8	general	general	ADJ
fsr-3406	36	9	,	,	PUNCT
fsr-3406	36	10	literacy	literacy	NOUN
fsr-3406	36	11	refers	refer	VERB
fsr-3406	36	12	to	to	ADP
fsr-3406	36	13	an	an	DET
fsr-3406	36	14	individual	individual	NOUN
fsr-3406	36	15	’s	’s	PART
fsr-3406	36	16	capability	capability	NOUN
fsr-3406	36	17	of	of	ADP
fsr-3406	36	18	reading	reading	NOUN
fsr-3406	36	19	and	and	CCONJ
fsr-3406	36	20	writing	writing	NOUN
fsr-3406	36	21	(	(	PUNCT
fsr-3406	36	22	zarcadoolas	zarcadoola	NOUN
fsr-3406	36	23	,	,	PUNCT
fsr-3406	36	24	pleasant	pleasant	ADJ
fsr-3406	36	25	,	,	PUNCT
fsr-3406	36	26	and	and	CCONJ
fsr-3406	36	27	greer	greer	PROPN
fsr-3406	36	28	2006	2006	NUM
fsr-3406	36	29	)	)	PUNCT
fsr-3406	36	30	.	.	PUNCT
fsr-3406	37	1	the	the	DET
fsr-3406	37	2	standard	standard	ADJ
fsr-3406	37	3	definition	definition	NOUN
fsr-3406	37	4	of	of	ADP
fsr-3406	37	5	literacy	literacy	NOUN
fsr-3406	37	6	consists	consist	VERB
fsr-3406	37	7	of	of	ADP
fsr-3406	37	8	understanding	understanding	NOUN
fsr-3406	37	9	(	(	PUNCT
fsr-3406	37	10	i.e.	i.e.	X
fsr-3406	37	11	,	,	PUNCT
fsr-3406	37	12	recognition	recognition	NOUN
fsr-3406	37	13	of	of	ADP
fsr-3406	37	14	vocabulary	vocabulary	ADJ
fsr-3406	37	15	and	and	CCONJ
fsr-3406	37	16	arithmetic	arithmetic	ADJ
fsr-3406	37	17	operations	operation	NOUN
fsr-3406	37	18	)	)	PUNCT
fsr-3406	37	19	and	and	CCONJ
fsr-3406	37	20	using	use	VERB
fsr-3406	37	21	forms	form	NOUN
fsr-3406	37	22	of	of	ADP
fsr-3406	37	23	documents	document	NOUN
fsr-3406	37	24	.	.	PUNCT
fsr-3406	38	1	392	392	NUM
fsr-3406	38	2	j.k	j.k	PROPN
fsr-3406	38	3	.	.	PROPN
fsr-3406	38	4	scott	scott	PROPN
fsr-3406	38	5	et	et	PROPN
fsr-3406	38	6	al	al	PROPN
fsr-3406	38	7	.	.	PUNCT
fsr-3406	38	8	/	/	SYM
fsr-3406	38	9	financial	financial	ADJ
fsr-3406	38	10	services	service	NOUN
fsr-3406	38	11	review	review	VERB
fsr-3406	38	12	27	27	NUM
fsr-3406	38	13	(	(	PUNCT
fsr-3406	38	14	2018	2018	NUM
fsr-3406	38	15	)	)	PUNCT
fsr-3406	38	16	391	391	NUM
fsr-3406	38	17	-	-	SYM
fsr-3406	38	18	411	411	NUM
fsr-3406	38	19	huston	huston	PROPN
fsr-3406	38	20	(	(	PUNCT
fsr-3406	38	21	2009	2009	NUM
fsr-3406	38	22	)	)	PUNCT
fsr-3406	38	23	has	have	AUX
fsr-3406	38	24	also	also	ADV
fsr-3406	38	25	conceptualized	conceptualize	VERB
fsr-3406	38	26	financial	financial	ADJ
fsr-3406	38	27	literacy	literacy	NOUN
fsr-3406	38	28	as	as	ADP
fsr-3406	38	29	including	include	VERB
fsr-3406	38	30	two	two	NUM
fsr-3406	38	31	dimensions	dimension	NOUN
fsr-3406	38	32	—	—	PUNCT
fsr-3406	38	33	understanding	understanding	NOUN
fsr-3406	38	34	(	(	PUNCT
fsr-3406	38	35	knowledge	knowledge	NOUN
fsr-3406	38	36	of	of	ADP
fsr-3406	38	37	personal	personal	ADJ
fsr-3406	38	38	finance	finance	NOUN
fsr-3406	38	39	)	)	PUNCT
fsr-3406	38	40	and	and	CCONJ
fsr-3406	38	41	use	use	NOUN
fsr-3406	38	42	(	(	PUNCT
fsr-3406	38	43	application	application	NOUN
fsr-3406	38	44	of	of	ADP
fsr-3406	38	45	personal	personal	ADJ
fsr-3406	38	46	finance	finance	NOUN
fsr-3406	38	47	)	)	PUNCT
fsr-3406	38	48	.	.	PUNCT
fsr-3406	39	1	remund	remund	NOUN
fsr-3406	39	2	(	(	PUNCT
fsr-3406	39	3	2010	2010	NUM
fsr-3406	39	4	)	)	PUNCT
fsr-3406	39	5	defines	define	VERB
fsr-3406	39	6	financial	financial	ADJ
fsr-3406	39	7	literacy	literacy	NOUN
fsr-3406	39	8	as	as	ADP
fsr-3406	39	9	a	a	DET
fsr-3406	39	10	measure	measure	NOUN
fsr-3406	39	11	of	of	ADP
fsr-3406	39	12	the	the	DET
fsr-3406	39	13	degree	degree	NOUN
fsr-3406	39	14	to	to	PART
fsr-3406	39	15	which	which	PRON
fsr-3406	39	16	an	an	DET
fsr-3406	39	17	individual	individual	NOUN
fsr-3406	39	18	understands	understand	VERB
fsr-3406	39	19	personal	personal	ADJ
fsr-3406	39	20	finance	finance	NOUN
fsr-3406	39	21	—	—	PUNCT
fsr-3406	39	22	familiarity	familiarity	NOUN
fsr-3406	39	23	with	with	ADP
fsr-3406	39	24	economic	economic	ADJ
fsr-3406	39	25	concepts	concept	NOUN
fsr-3406	39	26	and	and	CCONJ
fsr-3406	39	27	having	have	VERB
fsr-3406	39	28	the	the	DET
fsr-3406	39	29	ability/	ability/	NUM
fsr-3406	39	30	skills	skill	NOUN
fsr-3406	39	31	and	and	CCONJ
fsr-3406	39	32	confidence	confidence	NOUN
fsr-3406	39	33	to	to	PART
fsr-3406	39	34	manage	manage	VERB
fsr-3406	39	35	personal	personal	ADJ
fsr-3406	39	36	finances	finance	NOUN
fsr-3406	39	37	.	.	PUNCT
fsr-3406	40	1	this	this	PRON
fsr-3406	40	2	should	should	AUX
fsr-3406	40	3	lead	lead	VERB
fsr-3406	40	4	to	to	ADP
fsr-3406	40	5	both	both	CCONJ
fsr-3406	40	6	proper	proper	ADJ
fsr-3406	40	7	short	short	ADJ
fsr-3406	40	8	-	-	PUNCT
fsr-3406	40	9	term	term	NOUN
fsr-3406	40	10	decision	decision	NOUN
fsr-3406	40	11	-	-	PUNCT
fsr-3406	40	12	making	make	VERB
fsr-3406	40	13	and	and	CCONJ
fsr-3406	40	14	long	long	ADJ
fsr-3406	40	15	-	-	PUNCT
fsr-3406	40	16	range	range	NOUN
fsr-3406	40	17	financial	financial	ADJ
fsr-3406	40	18	planning	planning	NOUN
fsr-3406	40	19	,	,	PUNCT
fsr-3406	40	20	considering	consider	VERB
fsr-3406	40	21	life	life	NOUN
fsr-3406	40	22	cycle	cycle	NOUN
fsr-3406	40	23	events	event	NOUN
fsr-3406	40	24	and	and	CCONJ
fsr-3406	40	25	uncertain	uncertain	ADJ
fsr-3406	40	26	economic	economic	ADJ
fsr-3406	40	27	circumstances	circumstance	NOUN
fsr-3406	40	28	.	.	PUNCT
fsr-3406	41	1	based	base	VERB
fsr-3406	41	2	on	on	ADP
fsr-3406	41	3	the	the	DET
fsr-3406	41	4	definition	definition	NOUN
fsr-3406	41	5	approved	approve	VERB
fsr-3406	41	6	by	by	ADP
fsr-3406	41	7	the	the	DET
fsr-3406	41	8	president	president	NOUN
fsr-3406	41	9	’s	’s	PART
fsr-3406	41	10	advisory	advisory	ADJ
fsr-3406	41	11	council	council	NOUN
fsr-3406	41	12	on	on	ADP
fsr-3406	41	13	financial	financial	ADJ
fsr-3406	41	14	literacy	literacy	NOUN
fsr-3406	41	15	(	(	PUNCT
fsr-3406	41	16	pacfl	pacfl	ADP
fsr-3406	41	17	,	,	PUNCT
fsr-3406	41	18	2009	2009	NUM
fsr-3406	41	19	)	)	PUNCT
fsr-3406	41	20	,	,	PUNCT
fsr-3406	41	21	hung	hang	VERB
fsr-3406	41	22	et	et	PROPN
fsr-3406	41	23	al	al	PROPN
fsr-3406	41	24	.	.	PROPN
fsr-3406	42	1	(	(	PUNCT
fsr-3406	42	2	2009	2009	NUM
fsr-3406	42	3	,	,	PUNCT
fsr-3406	42	4	p.	p.	NOUN
fsr-3406	42	5	12	12	NUM
fsr-3406	42	6	)	)	PUNCT
fsr-3406	42	7	explains	explain	VERB
fsr-3406	42	8	financial	financial	ADJ
fsr-3406	42	9	literacy	literacy	NOUN
fsr-3406	42	10	as	as	ADP
fsr-3406	42	11	:	:	PUNCT
fsr-3406	42	12	“	"	PUNCT
fsr-3406	42	13	knowledge	knowledge	NOUN
fsr-3406	42	14	of	of	ADP
fsr-3406	42	15	basic	basic	ADJ
fsr-3406	42	16	economic	economic	ADJ
fsr-3406	42	17	and	and	CCONJ
fsr-3406	42	18	financial	financial	ADJ
fsr-3406	42	19	concepts	concept	NOUN
fsr-3406	42	20	,	,	PUNCT
fsr-3406	42	21	as	as	ADV
fsr-3406	42	22	well	well	ADV
fsr-3406	42	23	as	as	ADP
fsr-3406	42	24	the	the	DET
fsr-3406	42	25	ability	ability	NOUN
fsr-3406	42	26	to	to	PART
fsr-3406	42	27	use	use	VERB
fsr-3406	42	28	that	that	DET
fsr-3406	42	29	knowledge	knowledge	NOUN
fsr-3406	42	30	and	and	CCONJ
fsr-3406	42	31	other	other	ADJ
fsr-3406	42	32	financial	financial	ADJ
fsr-3406	42	33	skills	skill	NOUN
fsr-3406	42	34	to	to	PART
fsr-3406	42	35	manage	manage	VERB
fsr-3406	42	36	financial	financial	ADJ
fsr-3406	42	37	resources	resource	NOUN
fsr-3406	42	38	effectively	effectively	ADV
fsr-3406	42	39	for	for	ADP
fsr-3406	42	40	a	a	DET
fsr-3406	42	41	lifetime	lifetime	NOUN
fsr-3406	42	42	of	of	ADP
fsr-3406	42	43	financial	financial	ADJ
fsr-3406	42	44	well	well	NOUN
fsr-3406	42	45	-	-	PUNCT
fsr-3406	42	46	being	being	NOUN
fsr-3406	42	47	.	.	PUNCT
fsr-3406	42	48	”	"	PUNCT
fsr-3406	43	1	it	it	PRON
fsr-3406	43	2	is	be	AUX
fsr-3406	43	3	evident	evident	ADJ
fsr-3406	43	4	that	that	SCONJ
fsr-3406	43	5	financial	financial	ADJ
fsr-3406	43	6	literacy	literacy	NOUN
fsr-3406	43	7	extends	extend	VERB
fsr-3406	43	8	beyond	beyond	ADP
fsr-3406	43	9	mere	mere	ADJ
fsr-3406	43	10	financial	financial	ADJ
fsr-3406	43	11	knowledge	knowledge	NOUN
fsr-3406	43	12	.	.	PUNCT
fsr-3406	44	1	atkinson	atkinson	PROPN
fsr-3406	44	2	and	and	CCONJ
fsr-3406	44	3	messy	messy	ADJ
fsr-3406	44	4	(	(	PUNCT
fsr-3406	44	5	2011	2011	NUM
fsr-3406	44	6	,	,	PUNCT
fsr-3406	44	7	p.	p.	NOUN
fsr-3406	44	8	4	4	NUM
fsr-3406	44	9	)	)	PUNCT
fsr-3406	44	10	looks	look	VERB
fsr-3406	44	11	at	at	ADP
fsr-3406	44	12	financial	financial	ADJ
fsr-3406	44	13	literacy	literacy	NOUN
fsr-3406	44	14	via	via	ADP
fsr-3406	44	15	the	the	DET
fsr-3406	44	16	field	field	NOUN
fsr-3406	44	17	of	of	ADP
fsr-3406	44	18	financial	financial	ADJ
fsr-3406	44	19	education	education	NOUN
fsr-3406	44	20	as	as	ADP
fsr-3406	44	21	“	"	PUNCT
fsr-3406	44	22	a	a	DET
fsr-3406	44	23	combination	combination	NOUN
fsr-3406	44	24	of	of	ADP
fsr-3406	44	25	awareness	awareness	NOUN
fsr-3406	44	26	,	,	PUNCT
fsr-3406	44	27	knowledge	knowledge	NOUN
fsr-3406	44	28	,	,	PUNCT
fsr-3406	44	29	skills	skill	NOUN
fsr-3406	44	30	,	,	PUNCT
fsr-3406	44	31	attitude	attitude	NOUN
fsr-3406	44	32	,	,	PUNCT
fsr-3406	44	33	and	and	CCONJ
fsr-3406	44	34	behaviors	behavior	NOUN
fsr-3406	44	35	necessary	necessary	ADJ
fsr-3406	44	36	to	to	PART
fsr-3406	44	37	make	make	VERB
fsr-3406	44	38	sound	sound	ADJ
fsr-3406	44	39	financial	financial	ADJ
fsr-3406	44	40	decisions	decision	NOUN
fsr-3406	44	41	and	and	CCONJ
fsr-3406	44	42	ultimately	ultimately	ADV
fsr-3406	44	43	achieve	achieve	VERB
fsr-3406	44	44	individual	individual	ADJ
fsr-3406	44	45	financial	financial	ADJ
fsr-3406	44	46	well	well	NOUN
fsr-3406	44	47	-	-	PUNCT
fsr-3406	44	48	being	being	NOUN
fsr-3406	44	49	.	.	PUNCT
fsr-3406	44	50	”	"	PUNCT
fsr-3406	45	1	allgood	allgood	NOUN
fsr-3406	45	2	and	and	CCONJ
fsr-3406	45	3	walstad	walstad	NOUN
fsr-3406	45	4	(	(	PUNCT
fsr-3406	45	5	2016	2016	NUM
fsr-3406	45	6	)	)	PUNCT
fsr-3406	45	7	also	also	ADV
fsr-3406	45	8	summarize	summarize	VERB
fsr-3406	45	9	the	the	DET
fsr-3406	45	10	effects	effect	NOUN
fsr-3406	45	11	of	of	ADP
fsr-3406	45	12	financial	financial	ADJ
fsr-3406	45	13	literacy	literacy	NOUN
fsr-3406	45	14	on	on	ADP
fsr-3406	45	15	financial	financial	ADJ
fsr-3406	45	16	behaviors	behavior	NOUN
fsr-3406	45	17	of	of	ADP
fsr-3406	45	18	credit	credit	NOUN
fsr-3406	45	19	cards	card	NOUN
fsr-3406	45	20	,	,	PUNCT
fsr-3406	45	21	investments	investment	NOUN
fsr-3406	45	22	,	,	PUNCT
fsr-3406	45	23	loans	loan	NOUN
fsr-3406	45	24	,	,	PUNCT
fsr-3406	45	25	insurance	insurance	NOUN
fsr-3406	45	26	,	,	PUNCT
fsr-3406	45	27	and	and	CCONJ
fsr-3406	45	28	financial	financial	ADJ
fsr-3406	45	29	advice	advice	NOUN
fsr-3406	45	30	.	.	PUNCT
fsr-3406	46	1	financial	financial	ADJ
fsr-3406	46	2	capability	capability	NOUN
fsr-3406	46	3	is	be	AUX
fsr-3406	46	4	a	a	DET
fsr-3406	46	5	complicated	complicated	ADJ
fsr-3406	46	6	and	and	CCONJ
fsr-3406	46	7	broader	broad	ADJ
fsr-3406	46	8	concept	concept	NOUN
fsr-3406	46	9	not	not	PART
fsr-3406	46	10	merely	merely	ADV
fsr-3406	46	11	about	about	ADP
fsr-3406	46	12	understanding	understanding	NOUN
fsr-3406	46	13	,	,	PUNCT
fsr-3406	46	14	but	but	CCONJ
fsr-3406	46	15	also	also	ADV
fsr-3406	46	16	behaviors	behavior	NOUN
fsr-3406	46	17	and	and	CCONJ
fsr-3406	46	18	actions	action	NOUN
fsr-3406	46	19	.	.	PUNCT
fsr-3406	47	1	hence	hence	ADV
fsr-3406	47	2	,	,	PUNCT
fsr-3406	47	3	the	the	DET
fsr-3406	47	4	term	term	NOUN
fsr-3406	47	5	“	"	PUNCT
fsr-3406	47	6	financial	financial	ADJ
fsr-3406	47	7	capability	capability	NOUN
fsr-3406	47	8	”	"	PUNCT
fsr-3406	47	9	was	be	AUX
fsr-3406	47	10	adopted	adopt	VERB
fsr-3406	47	11	by	by	ADP
fsr-3406	47	12	several	several	ADJ
fsr-3406	47	13	countries	country	NOUN
fsr-3406	47	14	such	such	ADJ
fsr-3406	47	15	as	as	ADP
fsr-3406	47	16	the	the	DET
fsr-3406	47	17	united	united	PROPN
fsr-3406	47	18	kingdom	kingdom	PROPN
fsr-3406	47	19	,	,	PUNCT
fsr-3406	47	20	canada	canada	PROPN
fsr-3406	47	21	,	,	PUNCT
fsr-3406	47	22	and	and	CCONJ
fsr-3406	47	23	the	the	DET
fsr-3406	47	24	united	united	PROPN
fsr-3406	47	25	states	states	PROPN
fsr-3406	47	26	,	,	PUNCT
fsr-3406	47	27	which	which	PRON
fsr-3406	47	28	include	include	VERB
fsr-3406	47	29	three	three	NUM
fsr-3406	47	30	main	main	ADJ
fsr-3406	47	31	components	component	NOUN
fsr-3406	47	32	:	:	PUNCT
fsr-3406	47	33	(	(	PUNCT
fsr-3406	47	34	1	1	X
fsr-3406	47	35	)	)	PUNCT
fsr-3406	47	36	knowledge	knowledge	NOUN
fsr-3406	47	37	,	,	PUNCT
fsr-3406	47	38	(	(	PUNCT
fsr-3406	47	39	2	2	NUM
fsr-3406	47	40	)	)	PUNCT
fsr-3406	47	41	skills	skill	NOUN
fsr-3406	47	42	,	,	PUNCT
fsr-3406	47	43	and	and	CCONJ
fsr-3406	47	44	(	(	PUNCT
fsr-3406	47	45	3	3	X
fsr-3406	47	46	)	)	PUNCT
fsr-3406	47	47	confidence	confidence	NOUN
fsr-3406	47	48	and	and	CCONJ
fsr-3406	47	49	attitudes	attitude	NOUN
fsr-3406	47	50	(	(	PUNCT
fsr-3406	47	51	kempson	kempson	NOUN
fsr-3406	47	52	,	,	PUNCT
fsr-3406	47	53	collard	collard	NOUN
fsr-3406	47	54	,	,	PUNCT
fsr-3406	47	55	and	and	CCONJ
fsr-3406	47	56	moore	moore	PROPN
fsr-3406	47	57	,	,	PUNCT
fsr-3406	47	58	2005	2005	NUM
fsr-3406	47	59	)	)	PUNCT
fsr-3406	47	60	.	.	PUNCT
fsr-3406	48	1	both	both	DET
fsr-3406	48	2	terms	term	NOUN
fsr-3406	48	3	—	—	PUNCT
fsr-3406	48	4	financial	financial	ADJ
fsr-3406	48	5	literacy	literacy	NOUN
fsr-3406	48	6	and	and	CCONJ
fsr-3406	48	7	financial	financial	ADJ
fsr-3406	48	8	capability	capability	NOUN
fsr-3406	48	9	—	—	PUNCT
fsr-3406	48	10	cover	cover	VERB
fsr-3406	48	11	decision	decision	NOUN
fsr-3406	48	12	-	-	PUNCT
fsr-3406	48	13	making	making	NOUN
fsr-3406	48	14	,	,	PUNCT
fsr-3406	48	15	practical	practical	ADJ
fsr-3406	48	16	skills	skill	NOUN
fsr-3406	48	17	,	,	PUNCT
fsr-3406	48	18	and	and	CCONJ
fsr-3406	48	19	behavior	behavior	NOUN
fsr-3406	48	20	as	as	ADV
fsr-3406	48	21	well	well	ADV
fsr-3406	48	22	as	as	ADP
fsr-3406	48	23	knowledge	knowledge	NOUN
fsr-3406	48	24	and	and	CCONJ
fsr-3406	48	25	understanding	understanding	NOUN
fsr-3406	48	26	(	(	PUNCT
fsr-3406	48	27	o’connell	o’connell	INTJ
fsr-3406	48	28	,	,	PUNCT
fsr-3406	48	29	2007	2007	NUM
fsr-3406	48	30	)	)	PUNCT
fsr-3406	48	31	.	.	PUNCT
fsr-3406	49	1	it	it	PRON
fsr-3406	49	2	should	should	AUX
fsr-3406	49	3	be	be	AUX
fsr-3406	49	4	noted	note	VERB
fsr-3406	49	5	,	,	PUNCT
fsr-3406	49	6	that	that	SCONJ
fsr-3406	49	7	financial	financial	ADJ
fsr-3406	49	8	capability	capability	NOUN
fsr-3406	49	9	also	also	ADV
fsr-3406	49	10	considers	consider	VERB
fsr-3406	49	11	the	the	DET
fsr-3406	49	12	relevance	relevance	NOUN
fsr-3406	49	13	of	of	ADP
fsr-3406	49	14	outside	outside	ADJ
fsr-3406	49	15	institutions	institution	NOUN
fsr-3406	49	16	and	and	CCONJ
fsr-3406	49	17	regulation	regulation	NOUN
fsr-3406	49	18	.	.	PUNCT
fsr-3406	50	1	it	it	PRON
fsr-3406	50	2	calls	call	VERB
fsr-3406	50	3	for	for	SCONJ
fsr-3406	50	4	individuals	individual	NOUN
fsr-3406	50	5	to	to	PART
fsr-3406	50	6	not	not	PART
fsr-3406	50	7	only	only	ADV
fsr-3406	50	8	develop	develop	VERB
fsr-3406	50	9	financial	financial	ADJ
fsr-3406	50	10	knowledge	knowledge	NOUN
fsr-3406	50	11	and	and	CCONJ
fsr-3406	50	12	skills	skill	NOUN
fsr-3406	50	13	,	,	PUNCT
fsr-3406	50	14	but	but	CCONJ
fsr-3406	50	15	also	also	ADV
fsr-3406	50	16	gain	gain	VERB
fsr-3406	50	17	access	access	NOUN
fsr-3406	50	18	to	to	ADP
fsr-3406	50	19	financial	financial	ADJ
fsr-3406	50	20	instruments	instrument	NOUN
fsr-3406	50	21	and	and	CCONJ
fsr-3406	50	22	institutions	institution	NOUN
fsr-3406	50	23	(	(	PUNCT
fsr-3406	50	24	johnson	johnson	PROPN
fsr-3406	50	25	and	and	CCONJ
fsr-3406	50	26	sherraden	sherraden	NOUN
fsr-3406	50	27	,	,	PUNCT
fsr-3406	50	28	2007	2007	NUM
fsr-3406	50	29	)	)	PUNCT
fsr-3406	50	30	.	.	PUNCT
fsr-3406	51	1	in	in	ADP
fsr-3406	51	2	attempts	attempt	NOUN
fsr-3406	51	3	to	to	PART
fsr-3406	51	4	measure	measure	VERB
fsr-3406	51	5	financial	financial	ADJ
fsr-3406	51	6	literacy	literacy	NOUN
fsr-3406	51	7	,	,	PUNCT
fsr-3406	51	8	huston	huston	PROPN
fsr-3406	51	9	(	(	PUNCT
fsr-3406	51	10	2010	2010	NUM
fsr-3406	51	11	)	)	PUNCT
fsr-3406	51	12	converts	convert	VERB
fsr-3406	51	13	theoretical	theoretical	ADJ
fsr-3406	51	14	concepts	concept	NOUN
fsr-3406	51	15	into	into	ADP
fsr-3406	51	16	measurable	measurable	ADJ
fsr-3406	51	17	criteria	criterion	NOUN
fsr-3406	51	18	by	by	ADP
fsr-3406	51	19	employing	employ	VERB
fsr-3406	51	20	both	both	DET
fsr-3406	51	21	performance	performance	NOUN
fsr-3406	51	22	tests	test	NOUN
fsr-3406	51	23	and	and	CCONJ
fsr-3406	51	24	self	self	NOUN
fsr-3406	51	25	-	-	PUNCT
fsr-3406	51	26	reported	report	VERB
fsr-3406	51	27	tests	test	NOUN
fsr-3406	51	28	.	.	PUNCT
fsr-3406	52	1	moreover	moreover	ADV
fsr-3406	52	2	,	,	PUNCT
fsr-3406	52	3	van	van	PROPN
fsr-3406	52	4	rooij	rooij	NOUN
fsr-3406	52	5	,	,	PUNCT
fsr-3406	52	6	lusardi	lusardi	NOUN
fsr-3406	52	7	,	,	PUNCT
fsr-3406	52	8	and	and	CCONJ
fsr-3406	52	9	alessie	alessie	ADJ
fsr-3406	52	10	(	(	PUNCT
fsr-3406	52	11	2007	2007	NUM
fsr-3406	52	12	)	)	PUNCT
fsr-3406	52	13	construct	construct	VERB
fsr-3406	52	14	a	a	DET
fsr-3406	52	15	financial	financial	ADJ
fsr-3406	52	16	literacy	literacy	NOUN
fsr-3406	52	17	index	index	NOUN
fsr-3406	52	18	(	(	PUNCT
fsr-3406	52	19	using	use	VERB
fsr-3406	52	20	five	five	NUM
fsr-3406	52	21	questions	question	NOUN
fsr-3406	52	22	)	)	PUNCT
fsr-3406	52	23	and	and	CCONJ
fsr-3406	52	24	a	a	DET
fsr-3406	52	25	progressive	progressive	ADJ
fsr-3406	52	26	financial	financial	ADJ
fsr-3406	52	27	literacy	literacy	NOUN
fsr-3406	52	28	index	index	NOUN
fsr-3406	52	29	(	(	PUNCT
fsr-3406	52	30	using	use	VERB
fsr-3406	52	31	11	11	NUM
fsr-3406	52	32	items	item	NOUN
fsr-3406	52	33	)	)	PUNCT
fsr-3406	52	34	based	base	VERB
fsr-3406	52	35	on	on	ADP
fsr-3406	52	36	a	a	DET
fsr-3406	52	37	factor	factor	NOUN
fsr-3406	52	38	analysis	analysis	NOUN
fsr-3406	52	39	.	.	PUNCT
fsr-3406	53	1	moore	moore	PROPN
fsr-3406	53	2	(	(	PUNCT
fsr-3406	53	3	2003	2003	NUM
fsr-3406	53	4	)	)	PUNCT
fsr-3406	53	5	adopted	adopt	VERB
fsr-3406	53	6	an	an	DET
fsr-3406	53	7	approach	approach	NOUN
fsr-3406	53	8	using	use	VERB
fsr-3406	53	9	12	12	NUM
fsr-3406	53	10	financial	financial	ADJ
fsr-3406	53	11	-	-	PUNCT
fsr-3406	53	12	management	management	NOUN
fsr-3406	53	13	questions	question	NOUN
fsr-3406	53	14	,	,	PUNCT
fsr-3406	53	15	covering	cover	VERB
fsr-3406	53	16	budget	budget	NOUN
fsr-3406	53	17	management	management	NOUN
fsr-3406	53	18	,	,	PUNCT
fsr-3406	53	19	credit	credit	NOUN
fsr-3406	53	20	,	,	PUNCT
fsr-3406	53	21	savings	saving	NOUN
fsr-3406	53	22	,	,	PUNCT
fsr-3406	53	23	investment	investment	NOUN
fsr-3406	53	24	,	,	PUNCT
fsr-3406	53	25	mortgages	mortgage	NOUN
fsr-3406	53	26	,	,	PUNCT
fsr-3406	53	27	and	and	CCONJ
fsr-3406	53	28	a	a	DET
fsr-3406	53	29	broad	broad	ADJ
fsr-3406	53	30	category	category	NOUN
fsr-3406	53	31	of	of	ADP
fsr-3406	53	32	other	other	ADJ
fsr-3406	53	33	financial	financial	ADJ
fsr-3406	53	34	topics	topic	NOUN
fsr-3406	53	35	.	.	PUNCT
fsr-3406	54	1	in	in	ADP
fsr-3406	54	2	2007	2007	NUM
fsr-3406	54	3	,	,	PUNCT
fsr-3406	54	4	lusardi	lusardi	PROPN
fsr-3406	54	5	and	and	CCONJ
fsr-3406	54	6	mitchell	mitchell	PROPN
fsr-3406	54	7	introduced	introduce	VERB
fsr-3406	54	8	a	a	DET
fsr-3406	54	9	measurement	measurement	NOUN
fsr-3406	54	10	method	method	NOUN
fsr-3406	54	11	using	use	VERB
fsr-3406	54	12	three	three	NUM
fsr-3406	54	13	“	"	PUNCT
fsr-3406	54	14	simple	simple	ADJ
fsr-3406	54	15	”	"	PUNCT
fsr-3406	54	16	questions	question	NOUN
fsr-3406	54	17	related	relate	VERB
fsr-3406	54	18	to	to	ADP
fsr-3406	54	19	the	the	DET
fsr-3406	54	20	compounding	compounding	NOUN
fsr-3406	54	21	of	of	ADP
fsr-3406	54	22	interest	interest	NOUN
fsr-3406	54	23	rates	rate	NOUN
fsr-3406	54	24	,	,	PUNCT
fsr-3406	54	25	inflation	inflation	NOUN
fsr-3406	54	26	,	,	PUNCT
fsr-3406	54	27	and	and	CCONJ
fsr-3406	54	28	risk	risk	NOUN
fsr-3406	54	29	diversification	diversification	NOUN
fsr-3406	54	30	.	.	PUNCT
fsr-3406	55	1	in	in	ADP
fsr-3406	55	2	an	an	DET
fsr-3406	55	3	earlier	early	ADJ
fsr-3406	55	4	piece	piece	NOUN
fsr-3406	55	5	of	of	ADP
fsr-3406	55	6	research	research	NOUN
fsr-3406	55	7	,	,	PUNCT
fsr-3406	55	8	hilgert	hilgert	PROPN
fsr-3406	55	9	,	,	PUNCT
fsr-3406	55	10	hogarth	hogarth	NOUN
fsr-3406	55	11	,	,	PUNCT
fsr-3406	55	12	and	and	CCONJ
fsr-3406	55	13	beverly	beverly	ADV
fsr-3406	55	14	(	(	PUNCT
fsr-3406	55	15	2003	2003	NUM
fsr-3406	55	16	)	)	PUNCT
fsr-3406	55	17	introduced	introduce	VERB
fsr-3406	55	18	a	a	DET
fsr-3406	55	19	28	28	NUM
fsr-3406	55	20	-	-	PUNCT
fsr-3406	55	21	questionnaire	questionnaire	NOUN
fsr-3406	55	22	about	about	ADP
fsr-3406	55	23	credit	credit	NOUN
fsr-3406	55	24	,	,	PUNCT
fsr-3406	55	25	saving	saving	NOUN
fsr-3406	55	26	,	,	PUNCT
fsr-3406	55	27	budget	budget	NOUN
fsr-3406	55	28	management	management	NOUN
fsr-3406	55	29	,	,	PUNCT
fsr-3406	55	30	investment	investment	NOUN
fsr-3406	55	31	,	,	PUNCT
fsr-3406	55	32	and	and	CCONJ
fsr-3406	55	33	mortgages	mortgage	NOUN
fsr-3406	55	34	along	along	ADP
fsr-3406	55	35	with	with	ADP
fsr-3406	55	36	an	an	DET
fsr-3406	55	37	18	18	NUM
fsr-3406	55	38	-	-	PUNCT
fsr-3406	55	39	question	question	NOUN
fsr-3406	55	40	quiz	quiz	NOUN
fsr-3406	55	41	to	to	PART
fsr-3406	55	42	test	test	VERB
fsr-3406	55	43	individuals	individual	NOUN
fsr-3406	55	44	’	'	PUNCT
fsr-3406	55	45	financial	financial	ADJ
fsr-3406	55	46	behavior	behavior	NOUN
fsr-3406	55	47	.	.	PUNCT
fsr-3406	56	1	it	it	PRON
fsr-3406	56	2	should	should	AUX
fsr-3406	56	3	be	be	AUX
fsr-3406	56	4	noted	note	VERB
fsr-3406	56	5	that	that	SCONJ
fsr-3406	56	6	several	several	ADJ
fsr-3406	56	7	countries	country	NOUN
fsr-3406	56	8	have	have	AUX
fsr-3406	56	9	collected	collect	VERB
fsr-3406	56	10	financial	financial	ADJ
fsr-3406	56	11	data	datum	NOUN
fsr-3406	56	12	using	use	VERB
fsr-3406	56	13	academic	academic	ADJ
fsr-3406	56	14	approaches	approach	NOUN
fsr-3406	56	15	to	to	ADP
fsr-3406	56	16	date	date	NOUN
fsr-3406	56	17	(	(	PUNCT
fsr-3406	56	18	table	table	NOUN
fsr-3406	56	19	1	1	NUM
fsr-3406	56	20	)	)	PUNCT
fsr-3406	56	21	.	.	PUNCT
fsr-3406	57	1	unfortunately	unfortunately	ADV
fsr-3406	57	2	,	,	PUNCT
fsr-3406	57	3	divergence	divergence	NOUN
fsr-3406	57	4	in	in	ADP
fsr-3406	57	5	content	content	NOUN
fsr-3406	57	6	and	and	CCONJ
fsr-3406	57	7	methodologies	methodology	NOUN
fsr-3406	57	8	discourages	discourage	VERB
fsr-3406	57	9	international	international	ADJ
fsr-3406	57	10	comparison	comparison	NOUN
fsr-3406	57	11	which	which	PRON
fsr-3406	57	12	could	could	AUX
fsr-3406	57	13	be	be	AUX
fsr-3406	57	14	useful	useful	ADJ
fsr-3406	57	15	,	,	PUNCT
fsr-3406	57	16	despite	despite	SCONJ
fsr-3406	57	17	the	the	DET
fsr-3406	57	18	availability	availability	NOUN
fsr-3406	57	19	of	of	ADP
fsr-3406	57	20	data	datum	NOUN
fsr-3406	57	21	.	.	PUNCT
fsr-3406	58	1	therefore	therefore	ADV
fsr-3406	58	2	,	,	PUNCT
fsr-3406	58	3	the	the	DET
fsr-3406	58	4	oecd	oecd	PROPN
fsr-3406	58	5	and	and	CCONJ
fsr-3406	58	6	its	its	PRON
fsr-3406	58	7	international	international	ADJ
fsr-3406	58	8	network	network	NOUN
fsr-3406	58	9	for	for	ADP
fsr-3406	58	10	financial	financial	ADJ
fsr-3406	58	11	education	education	NOUN
fsr-3406	58	12	(	(	PUNCT
fsr-3406	58	13	infe	infe	NOUN
fsr-3406	58	14	)	)	PUNCT
fsr-3406	58	15	call	call	NOUN
fsr-3406	58	16	for	for	ADP
fsr-3406	58	17	developing	develop	VERB
fsr-3406	58	18	and	and	CCONJ
fsr-3406	58	19	applying	apply	VERB
fsr-3406	58	20	a	a	DET
fsr-3406	58	21	financial	financial	ADJ
fsr-3406	58	22	literacy	literacy	NOUN
fsr-3406	58	23	questionnaire	questionnaire	NOUN
fsr-3406	58	24	by	by	ADP
fsr-3406	58	25	atkinson	atkinson	PROPN
fsr-3406	58	26	and	and	CCONJ
fsr-3406	58	27	messy	messy	ADJ
fsr-3406	58	28	(	(	PUNCT
fsr-3406	58	29	2011	2011	NUM
fsr-3406	58	30	,	,	PUNCT
fsr-3406	58	31	393j.k	393j.k	NUM
fsr-3406	58	32	.	.	PUNCT
fsr-3406	59	1	scott	scott	PROPN
fsr-3406	59	2	et	et	PROPN
fsr-3406	59	3	al	al	PROPN
fsr-3406	59	4	.	.	PUNCT
fsr-3406	59	5	/	/	SYM
fsr-3406	59	6	financial	financial	ADJ
fsr-3406	59	7	services	service	NOUN
fsr-3406	59	8	review	review	VERB
fsr-3406	59	9	27	27	NUM
fsr-3406	59	10	(	(	PUNCT
fsr-3406	59	11	2018	2018	NUM
fsr-3406	59	12	)	)	PUNCT
fsr-3406	59	13	391	391	NUM
fsr-3406	59	14	-	-	SYM
fsr-3406	59	15	411	411	NUM
fsr-3406	59	16	2012	2012	NUM
fsr-3406	59	17	)	)	PUNCT
fsr-3406	59	18	in	in	ADP
fsr-3406	59	19	14	14	NUM
fsr-3406	59	20	countries	country	NOUN
fsr-3406	59	21	.	.	PUNCT
fsr-3406	60	1	the	the	DET
fsr-3406	60	2	three	three	NUM
fsr-3406	60	3	component	component	NOUN
fsr-3406	60	4	-	-	PUNCT
fsr-3406	60	5	questionnaire	questionnaire	NOUN
fsr-3406	60	6	includes	include	VERB
fsr-3406	60	7	knowledge	knowledge	NOUN
fsr-3406	60	8	,	,	PUNCT
fsr-3406	60	9	behavior	behavior	NOUN
fsr-3406	60	10	,	,	PUNCT
fsr-3406	60	11	and	and	CCONJ
fsr-3406	60	12	attitude	attitude	NOUN
fsr-3406	60	13	.	.	PUNCT
fsr-3406	61	1	there	there	PRON
fsr-3406	61	2	is	be	VERB
fsr-3406	61	3	an	an	DET
fsr-3406	61	4	overall	overall	ADJ
fsr-3406	61	5	financial	financial	ADJ
fsr-3406	61	6	literacy	literacy	NOUN
fsr-3406	61	7	score	score	NOUN
fsr-3406	61	8	,	,	PUNCT
fsr-3406	61	9	which	which	PRON
fsr-3406	61	10	is	be	AUX
fsr-3406	61	11	comprised	comprise	VERB
fsr-3406	61	12	of	of	ADP
fsr-3406	61	13	the	the	DET
fsr-3406	61	14	sum	sum	NOUN
fsr-3406	61	15	of	of	ADP
fsr-3406	61	16	the	the	DET
fsr-3406	61	17	scores	score	NOUN
fsr-3406	61	18	for	for	ADP
fsr-3406	61	19	knowledge	knowledge	NOUN
fsr-3406	61	20	,	,	PUNCT
fsr-3406	61	21	behavior	behavior	NOUN
fsr-3406	61	22	,	,	PUNCT
fsr-3406	61	23	and	and	CCONJ
fsr-3406	61	24	attitude	attitude	NOUN
fsr-3406	61	25	.	.	PUNCT
fsr-3406	62	1	questions	question	NOUN
fsr-3406	62	2	about	about	ADP
fsr-3406	62	3	interest	interest	NOUN
fsr-3406	62	4	,	,	PUNCT
fsr-3406	62	5	risk	risk	NOUN
fsr-3406	62	6	,	,	PUNCT
fsr-3406	62	7	and	and	CCONJ
fsr-3406	62	8	return	return	VERB
fsr-3406	62	9	,	,	PUNCT
fsr-3406	62	10	and	and	CCONJ
fsr-3406	62	11	inflation	inflation	NOUN
fsr-3406	62	12	are	be	AUX
fsr-3406	62	13	used	use	VERB
fsr-3406	62	14	to	to	PART
fsr-3406	62	15	assess	assess	VERB
fsr-3406	62	16	respondents	respondent	NOUN
fsr-3406	62	17	’	'	PUNCT
fsr-3406	62	18	financial	financial	ADJ
fsr-3406	62	19	awareness	awareness	NOUN
fsr-3406	62	20	.	.	PUNCT
fsr-3406	63	1	financial	financial	ADJ
fsr-3406	63	2	behavior	behavior	NOUN
fsr-3406	63	3	is	be	AUX
fsr-3406	63	4	observed	observe	VERB
fsr-3406	63	5	through	through	ADP
fsr-3406	63	6	issues	issue	NOUN
fsr-3406	63	7	related	relate	VERB
fsr-3406	63	8	to	to	ADP
fsr-3406	63	9	saving	saving	NOUN
fsr-3406	63	10	,	,	PUNCT
fsr-3406	63	11	budget	budget	NOUN
fsr-3406	63	12	management	management	NOUN
fsr-3406	63	13	,	,	PUNCT
fsr-3406	63	14	borrowing	borrowing	NOUN
fsr-3406	63	15	,	,	PUNCT
fsr-3406	63	16	and	and	CCONJ
fsr-3406	63	17	choosing	choose	VERB
fsr-3406	63	18	financial	financial	ADJ
fsr-3406	63	19	products	product	NOUN
fsr-3406	63	20	.	.	PUNCT
fsr-3406	64	1	attitude	attitude	NOUN
fsr-3406	64	2	towards	towards	ADP
fsr-3406	64	3	money	money	NOUN
fsr-3406	64	4	and	and	CCONJ
fsr-3406	64	5	future	future	ADJ
fsr-3406	64	6	planning	planning	NOUN
fsr-3406	64	7	are	be	AUX
fsr-3406	64	8	also	also	ADV
fsr-3406	64	9	used	use	VERB
fsr-3406	64	10	to	to	PART
fsr-3406	64	11	determine	determine	VERB
fsr-3406	64	12	financial	financial	ADJ
fsr-3406	64	13	position	position	NOUN
fsr-3406	64	14	.	.	PUNCT
fsr-3406	65	1	most	most	ADJ
fsr-3406	65	2	financial	financial	ADJ
fsr-3406	65	3	literacy	literacy	NOUN
fsr-3406	65	4	research	research	NOUN
fsr-3406	65	5	generally	generally	ADV
fsr-3406	65	6	focuses	focus	VERB
fsr-3406	65	7	on	on	ADP
fsr-3406	65	8	four	four	NUM
fsr-3406	65	9	main	main	ADJ
fsr-3406	65	10	points	point	NOUN
fsr-3406	65	11	:	:	PUNCT
fsr-3406	65	12	(	(	PUNCT
fsr-3406	65	13	1	1	X
fsr-3406	65	14	)	)	PUNCT
fsr-3406	65	15	measuring	measure	VERB
fsr-3406	65	16	the	the	DET
fsr-3406	65	17	level	level	NOUN
fsr-3406	65	18	of	of	ADP
fsr-3406	65	19	financial	financial	ADJ
fsr-3406	65	20	literacy	literacy	NOUN
fsr-3406	65	21	,	,	PUNCT
fsr-3406	65	22	(	(	PUNCT
fsr-3406	65	23	2	2	X
fsr-3406	65	24	)	)	PUNCT
fsr-3406	65	25	valuing	value	VERB
fsr-3406	65	26	the	the	DET
fsr-3406	65	27	effects	effect	NOUN
fsr-3406	65	28	of	of	ADP
fsr-3406	65	29	financial	financial	ADJ
fsr-3406	65	30	literacy	literacy	NOUN
fsr-3406	65	31	on	on	ADP
fsr-3406	65	32	financial	financial	ADJ
fsr-3406	65	33	behavior	behavior	NOUN
fsr-3406	65	34	table	table	NOUN
fsr-3406	65	35	1	1	NUM
fsr-3406	65	36	panel	panel	NOUN
fsr-3406	65	37	a	a	DET
fsr-3406	65	38	:	:	PUNCT
fsr-3406	65	39	national	national	ADJ
fsr-3406	65	40	financial	financial	ADJ
fsr-3406	65	41	capability	capability	NOUN
fsr-3406	65	42	survey	survey	NOUN
fsr-3406	65	43	across	across	ADP
fsr-3406	65	44	countries	country	NOUN
fsr-3406	65	45	countries	country	NOUN
fsr-3406	65	46	financial	financial	ADJ
fsr-3406	65	47	capability	capability	NOUN
fsr-3406	65	48	survey	survey	NOUN
fsr-3406	65	49	the	the	DET
fsr-3406	65	50	united	united	PROPN
fsr-3406	65	51	kingdom	kingdom	PROPN
fsr-3406	65	52	levels	level	NOUN
fsr-3406	65	53	of	of	ADP
fsr-3406	65	54	financial	financial	ADJ
fsr-3406	65	55	capability	capability	NOUN
fsr-3406	65	56	in	in	ADP
fsr-3406	65	57	the	the	DET
fsr-3406	65	58	united	united	ADJ
fsr-3406	65	59	kingdom	kingdom	PROPN
fsr-3406	65	60	:	:	PUNCT
fsr-3406	65	61	results	result	NOUN
fsr-3406	65	62	of	of	ADP
fsr-3406	65	63	a	a	DET
fsr-3406	65	64	baseline	baseline	ADJ
fsr-3406	65	65	survey	survey	NOUN
fsr-3406	65	66	(	(	PUNCT
fsr-3406	65	67	fsa	fsa	PROPN
fsr-3406	65	68	,	,	PUNCT
fsr-3406	65	69	2006	2006	NUM
fsr-3406	65	70	)	)	PUNCT
fsr-3406	65	71	the	the	DET
fsr-3406	65	72	united	united	PROPN
fsr-3406	65	73	states	states	PROPN
fsr-3406	65	74	national	national	ADJ
fsr-3406	65	75	financial	financial	ADJ
fsr-3406	65	76	capability	capability	NOUN
fsr-3406	65	77	study	study	NOUN
fsr-3406	65	78	(	(	PUNCT
fsr-3406	65	79	finra	finra	NOUN
fsr-3406	65	80	,	,	PUNCT
fsr-3406	65	81	2009	2009	NUM
fsr-3406	65	82	,	,	PUNCT
fsr-3406	65	83	2015	2015	NUM
fsr-3406	65	84	)	)	PUNCT
fsr-3406	65	85	new	new	PROPN
fsr-3406	65	86	zealand	zealand	PROPN
fsr-3406	65	87	financial	financial	ADJ
fsr-3406	65	88	knowledge	knowledge	PROPN
fsr-3406	65	89	survey	survey	NOUN
fsr-3406	65	90	(	(	PUNCT
fsr-3406	65	91	anz	anz	NOUN
fsr-3406	65	92	-	-	PUNCT
fsr-3406	65	93	retirement	retirement	NOUN
fsr-3406	65	94	commission	commission	NOUN
fsr-3406	65	95	,	,	PUNCT
fsr-3406	65	96	2009	2009	NUM
fsr-3406	65	97	)	)	PUNCT
fsr-3406	65	98	ireland	ireland	NOUN
fsr-3406	65	99	financial	financial	ADJ
fsr-3406	65	100	capability	capability	NOUN
fsr-3406	65	101	:	:	PUNCT
fsr-3406	65	102	new	new	ADJ
fsr-3406	65	103	evidence	evidence	NOUN
fsr-3406	65	104	for	for	ADP
fsr-3406	65	105	ireland	ireland	PROPN
fsr-3406	65	106	(	(	PUNCT
fsr-3406	65	107	keeney	keeney	PROPN
fsr-3406	65	108	and	and	CCONJ
fsr-3406	65	109	o’donnell	o’donnell	PROPN
fsr-3406	65	110	,	,	PUNCT
fsr-3406	65	111	2009	2009	NUM
fsr-3406	65	112	)	)	PUNCT
fsr-3406	65	113	canada	canada	PROPN
fsr-3406	65	114	understanding	understand	VERB
fsr-3406	65	115	financial	financial	ADJ
fsr-3406	65	116	capability	capability	NOUN
fsr-3406	65	117	in	in	ADP
fsr-3406	65	118	canada	canada	PROPN
fsr-3406	65	119	:	:	PUNCT
fsr-3406	65	120	analysis	analysis	NOUN
fsr-3406	65	121	of	of	ADP
fsr-3406	65	122	the	the	DET
fsr-3406	65	123	canadian	canadian	ADJ
fsr-3406	65	124	financial	financial	ADJ
fsr-3406	65	125	capability	capability	NOUN
fsr-3406	65	126	survey	survey	NOUN
fsr-3406	65	127	(	(	PUNCT
fsr-3406	65	128	mckay	mckay	PROPN
fsr-3406	65	129	,	,	PUNCT
fsr-3406	65	130	2011	2011	NUM
fsr-3406	65	131	)	)	PUNCT
fsr-3406	65	132	the	the	DET
fsr-3406	65	133	netherlands	netherlands	PROPN
fsr-3406	65	134	financial	financial	ADJ
fsr-3406	65	135	literacy	literacy	NOUN
fsr-3406	65	136	and	and	CCONJ
fsr-3406	65	137	retirement	retirement	NOUN
fsr-3406	65	138	planning	planning	NOUN
fsr-3406	65	139	in	in	ADP
fsr-3406	65	140	the	the	DET
fsr-3406	65	141	netherlands	netherlands	PROPN
fsr-3406	65	142	(	(	PUNCT
fsr-3406	65	143	van	van	PROPN
fsr-3406	65	144	rooij	rooij	NOUN
fsr-3406	65	145	et	et	PROPN
fsr-3406	65	146	al	al	PROPN
fsr-3406	65	147	.	.	PROPN
fsr-3406	65	148	,	,	PUNCT
fsr-3406	65	149	2009	2009	NUM
fsr-3406	65	150	)	)	PUNCT
fsr-3406	65	151	portugal	portugal	PROPN
fsr-3406	65	152	survey	survey	NOUN
fsr-3406	65	153	on	on	ADP
fsr-3406	65	154	the	the	DET
fsr-3406	65	155	financial	financial	ADJ
fsr-3406	65	156	literacy	literacy	NOUN
fsr-3406	65	157	of	of	ADP
fsr-3406	65	158	the	the	DET
fsr-3406	65	159	portuguese	portuguese	ADJ
fsr-3406	65	160	population	population	NOUN
fsr-3406	65	161	(	(	PUNCT
fsr-3406	65	162	2010	2010	NUM
fsr-3406	65	163	)	)	PUNCT
fsr-3406	65	164	(	(	PUNCT
fsr-3406	65	165	banco	banco	PROPN
fsr-3406	65	166	de	de	PROPN
fsr-3406	65	167	portugal	portugal	PROPN
fsr-3406	65	168	,	,	PUNCT
fsr-3406	65	169	2011	2011	NUM
fsr-3406	65	170	)	)	PUNCT
fsr-3406	65	171	panel	panel	NOUN
fsr-3406	65	172	b	b	NOUN
fsr-3406	65	173	:	:	PUNCT
fsr-3406	65	174	list	list	NOUN
fsr-3406	65	175	of	of	ADP
fsr-3406	65	176	dependent	dependent	ADJ
fsr-3406	65	177	variables	variable	NOUN
fsr-3406	65	178	variables	variable	VERB
fsr-3406	65	179	description	description	NOUN
fsr-3406	65	180	male	male	NOUN
fsr-3406	65	181	1	1	NUM
fsr-3406	65	182	if	if	SCONJ
fsr-3406	65	183	male	male	ADJ
fsr-3406	65	184	,	,	PUNCT
fsr-3406	65	185	0	0	PUNCT
fsr-3406	66	1	if	if	SCONJ
fsr-3406	66	2	female	female	ADJ
fsr-3406	66	3	age	age	NOUN
fsr-3406	66	4	25–54	25–54	NUM
fsr-3406	66	5	1	1	NUM
fsr-3406	66	6	if	if	SCONJ
fsr-3406	66	7	in	in	ADP
fsr-3406	66	8	group	group	NOUN
fsr-3406	66	9	age	age	NOUN
fsr-3406	66	10	25–44	25–44	NUM
fsr-3406	66	11	and	and	CCONJ
fsr-3406	66	12	45–54	45–54	NUM
fsr-3406	66	13	,	,	PUNCT
fsr-3406	66	14	0	0	PUNCT
fsr-3406	66	15	if	if	SCONJ
fsr-3406	66	16	otherwise	otherwise	ADV
fsr-3406	66	17	age	age	NOUN
fsr-3406	66	18	55	55	NUM
fsr-3406	66	19	�	�	NOUN
fsr-3406	66	20	1	1	NUM
fsr-3406	66	21	if	if	SCONJ
fsr-3406	66	22	in	in	ADP
fsr-3406	66	23	group	group	NOUN
fsr-3406	66	24	age	age	NOUN
fsr-3406	66	25	55–64	55–64	NUM
fsr-3406	66	26	and	and	CCONJ
fsr-3406	66	27	65	65	NUM
fsr-3406	66	28	�	�	PROPN
fsr-3406	66	29	,	,	PUNCT
fsr-3406	66	30	0	0	PUNCT
fsr-3406	66	31	if	if	SCONJ
fsr-3406	66	32	otherwise	otherwise	ADV
fsr-3406	66	33	swd	swd	PROPN
fsr-3406	66	34	1	1	NUM
fsr-3406	66	35	if	if	SCONJ
fsr-3406	66	36	single	single	ADJ
fsr-3406	66	37	,	,	PUNCT
fsr-3406	66	38	widowed	widow	VERB
fsr-3406	66	39	,	,	PUNCT
fsr-3406	66	40	or	or	CCONJ
fsr-3406	66	41	divorced	divorce	VERB
fsr-3406	66	42	,	,	PUNCT
fsr-3406	66	43	0	0	PUNCT
fsr-3406	66	44	if	if	SCONJ
fsr-3406	66	45	otherwise	otherwise	ADV
fsr-3406	66	46	college	college	NOUN
fsr-3406	66	47	1	1	NUM
fsr-3406	66	48	if	if	SCONJ
fsr-3406	66	49	the	the	DET
fsr-3406	66	50	individual	individual	NOUN
fsr-3406	66	51	has	have	VERB
fsr-3406	66	52	a	a	DET
fsr-3406	66	53	college	college	NOUN
fsr-3406	66	54	education	education	NOUN
fsr-3406	66	55	(	(	PUNCT
fsr-3406	66	56	college	college	NOUN
fsr-3406	66	57	graduate	graduate	NOUN
fsr-3406	66	58	or	or	CCONJ
fsr-3406	66	59	post	post	ADJ
fsr-3406	66	60	-	-	ADJ
fsr-3406	66	61	graduate	graduate	ADJ
fsr-3406	66	62	education	education	NOUN
fsr-3406	66	63	)	)	PUNCT
fsr-3406	66	64	and	and	CCONJ
fsr-3406	66	65	0	0	NUM
fsr-3406	67	1	otherwise	otherwise	ADV
fsr-3406	67	2	(	(	PUNCT
fsr-3406	67	3	did	do	AUX
fsr-3406	67	4	not	not	PART
fsr-3406	67	5	complete	complete	VERB
fsr-3406	67	6	high	high	ADJ
fsr-3406	67	7	school	school	NOUN
fsr-3406	67	8	,	,	PUNCT
fsr-3406	67	9	high	high	ADJ
fsr-3406	67	10	school	school	NOUN
fsr-3406	67	11	graduate	graduate	NOUN
fsr-3406	67	12	or	or	CCONJ
fsr-3406	67	13	has	have	VERB
fsr-3406	67	14	some	some	DET
fsr-3406	67	15	college	college	NOUN
fsr-3406	67	16	)	)	PUNCT
fsr-3406	67	17	unemployed	unemployed	ADJ
fsr-3406	67	18	1	1	NUM
fsr-3406	67	19	if	if	SCONJ
fsr-3406	67	20	the	the	DET
fsr-3406	67	21	individual	individual	NOUN
fsr-3406	67	22	is	be	AUX
fsr-3406	67	23	unemployed	unemployed	ADJ
fsr-3406	67	24	and	and	CCONJ
fsr-3406	67	25	0	0	NUM
fsr-3406	67	26	otherwise	otherwise	ADV
fsr-3406	67	27	inactive	inactive	ADJ
fsr-3406	67	28	1	1	NUM
fsr-3406	67	29	if	if	SCONJ
fsr-3406	67	30	the	the	DET
fsr-3406	67	31	individual	individual	NOUN
fsr-3406	67	32	is	be	AUX
fsr-3406	67	33	inactive	inactive	ADJ
fsr-3406	67	34	(	(	PUNCT
fsr-3406	67	35	full	full	ADJ
fsr-3406	67	36	-	-	PUNCT
fsr-3406	67	37	time	time	NOUN
fsr-3406	67	38	student	student	NOUN
fsr-3406	67	39	,	,	PUNCT
fsr-3406	67	40	homemaker	homemaker	NOUN
fsr-3406	67	41	,	,	PUNCT
fsr-3406	67	42	permanently	permanently	ADV
fsr-3406	67	43	sick	sick	ADJ
fsr-3406	67	44	,	,	PUNCT
fsr-3406	67	45	disabled	disabled	ADJ
fsr-3406	67	46	,	,	PUNCT
fsr-3406	67	47	or	or	CCONJ
fsr-3406	67	48	unable	unable	ADJ
fsr-3406	67	49	to	to	PART
fsr-3406	67	50	work	work	VERB
fsr-3406	67	51	)	)	PUNCT
fsr-3406	67	52	and	and	CCONJ
fsr-3406	67	53	0	0	NUM
fsr-3406	67	54	if	if	SCONJ
fsr-3406	67	55	otherwise	otherwise	ADV
fsr-3406	67	56	mortgage	mortgage	VERB
fsr-3406	67	57	1	1	NUM
fsr-3406	67	58	if	if	SCONJ
fsr-3406	67	59	have	have	VERB
fsr-3406	67	60	any	any	DET
fsr-3406	67	61	mortgage	mortgage	NOUN
fsr-3406	67	62	,	,	PUNCT
fsr-3406	67	63	0	0	PUNCT
fsr-3406	67	64	if	if	SCONJ
fsr-3406	67	65	otherwise	otherwise	ADV
fsr-3406	67	66	white	white	ADJ
fsr-3406	67	67	1	1	NUM
fsr-3406	67	68	if	if	SCONJ
fsr-3406	67	69	white	white	ADJ
fsr-3406	67	70	,	,	PUNCT
fsr-3406	67	71	0	0	PUNCT
fsr-3406	68	1	if	if	SCONJ
fsr-3406	68	2	non	non	ADJ
fsr-3406	68	3	-	-	ADJ
fsr-3406	68	4	white	white	ADJ
fsr-3406	68	5	south	south	ADJ
fsr-3406	68	6	1	1	NUM
fsr-3406	68	7	if	if	SCONJ
fsr-3406	68	8	south	south	ADJ
fsr-3406	68	9	,	,	PUNCT
fsr-3406	68	10	0	0	PUNCT
fsr-3406	68	11	if	if	SCONJ
fsr-3406	68	12	otherwise	otherwise	ADV
fsr-3406	68	13	drop	drop	VERB
fsr-3406	68	14	in	in	ADP
fsr-3406	68	15	income	income	NOUN
fsr-3406	68	16	1	1	NUM
fsr-3406	68	17	if	if	SCONJ
fsr-3406	68	18	experience	experience	VERB
fsr-3406	68	19	a	a	DET
fsr-3406	68	20	large	large	ADJ
fsr-3406	68	21	drop	drop	NOUN
fsr-3406	68	22	in	in	ADP
fsr-3406	68	23	income	income	NOUN
fsr-3406	68	24	in	in	ADP
fsr-3406	68	25	the	the	DET
fsr-3406	68	26	past	past	ADJ
fsr-3406	68	27	12	12	NUM
fsr-3406	68	28	months	month	NOUN
fsr-3406	68	29	,	,	PUNCT
fsr-3406	68	30	0	0	PUNCT
fsr-3406	68	31	if	if	SCONJ
fsr-3406	68	32	otherwise	otherwise	ADV
fsr-3406	68	33	married	marry	VERB
fsr-3406	68	34	1	1	NUM
fsr-3406	68	35	if	if	SCONJ
fsr-3406	68	36	married	marry	VERB
fsr-3406	68	37	,	,	PUNCT
fsr-3406	68	38	0	0	PUNCT
fsr-3406	69	1	if	if	SCONJ
fsr-3406	69	2	otherwise	otherwise	ADV
fsr-3406	69	3	children	children	VERB
fsr-3406	69	4	1	1	NUM
fsr-3406	69	5	if	if	SCONJ
fsr-3406	69	6	at	at	ADV
fsr-3406	69	7	least	least	ADV
fsr-3406	69	8	1	1	NUM
fsr-3406	69	9	dependent	dependent	ADJ
fsr-3406	69	10	child	child	NOUN
fsr-3406	69	11	,	,	PUNCT
fsr-3406	69	12	0	0	NUM
fsr-3406	69	13	if	if	SCONJ
fsr-3406	69	14	no	no	DET
fsr-3406	69	15	dependent	dependent	ADJ
fsr-3406	69	16	child	child	NOUN
fsr-3406	69	17	inc1	inc1	NOUN
fsr-3406	69	18	1	1	NUM
fsr-3406	69	19	if	if	SCONJ
fsr-3406	69	20	the	the	DET
fsr-3406	69	21	annual	annual	ADJ
fsr-3406	69	22	household	household	NOUN
fsr-3406	69	23	income	income	NOUN
fsr-3406	69	24	is	be	AUX
fsr-3406	69	25	at	at	ADV
fsr-3406	69	26	least	least	ADV
fsr-3406	69	27	$	$	SYM
fsr-3406	69	28	25,000	25,000	NUM
fsr-3406	69	29	but	but	CCONJ
fsr-3406	69	30	less	less	ADJ
fsr-3406	69	31	than	than	ADP
fsr-3406	69	32	$	$	SYM
fsr-3406	69	33	50,000	50,000	NUM
fsr-3406	69	34	and	and	CCONJ
fsr-3406	69	35	0	0	NUM
fsr-3406	69	36	otherwise	otherwise	ADV
fsr-3406	69	37	inc2	inc2	ADJ
fsr-3406	69	38	1	1	NUM
fsr-3406	69	39	if	if	SCONJ
fsr-3406	69	40	the	the	DET
fsr-3406	69	41	annual	annual	ADJ
fsr-3406	69	42	household	household	NOUN
fsr-3406	69	43	income	income	NOUN
fsr-3406	69	44	is	be	AUX
fsr-3406	69	45	at	at	ADV
fsr-3406	69	46	least	least	ADJ
fsr-3406	69	47	$	$	SYM
fsr-3406	69	48	50,000	50,000	NUM
fsr-3406	69	49	but	but	CCONJ
fsr-3406	69	50	less	less	ADJ
fsr-3406	69	51	than	than	ADP
fsr-3406	69	52	$	$	SYM
fsr-3406	69	53	100,000	100,000	NUM
fsr-3406	69	54	and	and	CCONJ
fsr-3406	69	55	0	0	NUM
fsr-3406	69	56	otherwise	otherwise	ADV
fsr-3406	69	57	inc3	inc3	PROPN
fsr-3406	69	58	1	1	NUM
fsr-3406	69	59	if	if	SCONJ
fsr-3406	69	60	the	the	DET
fsr-3406	69	61	annual	annual	ADJ
fsr-3406	69	62	household	household	NOUN
fsr-3406	69	63	income	income	NOUN
fsr-3406	69	64	is	be	AUX
fsr-3406	69	65	above	above	ADP
fsr-3406	69	66	$	$	SYM
fsr-3406	69	67	100,000	100,000	NUM
fsr-3406	69	68	and	and	CCONJ
fsr-3406	69	69	0	0	NUM
fsr-3406	69	70	otherwise	otherwise	ADV
fsr-3406	69	71	self	self	NOUN
fsr-3406	69	72	-	-	PUNCT
fsr-3406	69	73	employed	employ	VERB
fsr-3406	69	74	1	1	NUM
fsr-3406	69	75	if	if	SCONJ
fsr-3406	69	76	the	the	DET
fsr-3406	69	77	individual	individual	NOUN
fsr-3406	69	78	is	be	AUX
fsr-3406	69	79	self	self	NOUN
fsr-3406	69	80	-	-	PUNCT
fsr-3406	69	81	employed	employ	VERB
fsr-3406	69	82	and	and	CCONJ
fsr-3406	69	83	0	0	NUM
fsr-3406	69	84	otherwise	otherwise	ADV
fsr-3406	69	85	retired	retire	VERB
fsr-3406	69	86	1	1	NUM
fsr-3406	69	87	if	if	SCONJ
fsr-3406	69	88	the	the	DET
fsr-3406	69	89	individual	individual	NOUN
fsr-3406	69	90	is	be	AUX
fsr-3406	69	91	retired	retire	VERB
fsr-3406	69	92	and	and	CCONJ
fsr-3406	69	93	0	0	NUM
fsr-3406	69	94	otherwise	otherwise	ADV
fsr-3406	69	95	fli	fli	ADJ
fsr-3406	69	96	financial	financial	ADJ
fsr-3406	69	97	knowledge	knowledge	NOUN
fsr-3406	69	98	index	index	PROPN
fsr-3406	69	99	fbi	fbi	PROPN
fsr-3406	69	100	financial	financial	ADJ
fsr-3406	69	101	behavior	behavior	NOUN
fsr-3406	69	102	index	index	NOUN
fsr-3406	69	103	394	394	NUM
fsr-3406	69	104	j.k	j.k	PROPN
fsr-3406	69	105	.	.	PROPN
fsr-3406	69	106	scott	scott	PROPN
fsr-3406	69	107	et	et	PROPN
fsr-3406	69	108	al	al	PROPN
fsr-3406	69	109	.	.	PUNCT
fsr-3406	69	110	/	/	SYM
fsr-3406	69	111	financial	financial	ADJ
fsr-3406	69	112	services	service	NOUN
fsr-3406	69	113	review	review	VERB
fsr-3406	69	114	27	27	NUM
fsr-3406	69	115	(	(	PUNCT
fsr-3406	69	116	2018	2018	NUM
fsr-3406	69	117	)	)	PUNCT
fsr-3406	69	118	391	391	NUM
fsr-3406	69	119	-	-	SYM
fsr-3406	69	120	411	411	NUM
fsr-3406	69	121	and	and	CCONJ
fsr-3406	69	122	attitude	attitude	NOUN
fsr-3406	69	123	,	,	PUNCT
fsr-3406	69	124	(	(	PUNCT
fsr-3406	69	125	3	3	X
fsr-3406	69	126	)	)	PUNCT
fsr-3406	69	127	assessing	assess	VERB
fsr-3406	69	128	unique	unique	ADJ
fsr-3406	69	129	characteristics	characteristic	NOUN
fsr-3406	69	130	that	that	PRON
fsr-3406	69	131	widely	widely	ADV
fsr-3406	69	132	influence	influence	VERB
fsr-3406	69	133	financial	financial	ADJ
fsr-3406	69	134	literacy	literacy	NOUN
fsr-3406	69	135	levels	level	NOUN
fsr-3406	69	136	,	,	PUNCT
fsr-3406	69	137	and	and	CCONJ
fsr-3406	69	138	(	(	PUNCT
fsr-3406	69	139	4	4	X
fsr-3406	69	140	)	)	PUNCT
fsr-3406	69	141	evaluating	evaluate	VERB
fsr-3406	69	142	financial	financial	ADJ
fsr-3406	69	143	literacy	literacy	NOUN
fsr-3406	69	144	programs	program	NOUN
fsr-3406	69	145	(	(	PUNCT
fsr-3406	69	146	altintas	altintas	PROPN
fsr-3406	69	147	,	,	PUNCT
fsr-3406	69	148	2011	2011	NUM
fsr-3406	69	149	)	)	PUNCT
fsr-3406	69	150	.	.	PUNCT
fsr-3406	70	1	however	however	ADV
fsr-3406	70	2	,	,	PUNCT
fsr-3406	70	3	there	there	PRON
fsr-3406	70	4	is	be	VERB
fsr-3406	70	5	a	a	DET
fsr-3406	70	6	noticeable	noticeable	ADJ
fsr-3406	70	7	difference	difference	NOUN
fsr-3406	70	8	in	in	ADP
fsr-3406	70	9	measuring	measure	VERB
fsr-3406	70	10	financial	financial	ADJ
fsr-3406	70	11	literacy	literacy	NOUN
fsr-3406	70	12	through	through	ADP
fsr-3406	70	13	objective	objective	ADJ
fsr-3406	70	14	tests	test	NOUN
fsr-3406	70	15	and	and	CCONJ
fsr-3406	70	16	examining	examine	VERB
fsr-3406	70	17	respondents	respondent	NOUN
fsr-3406	70	18	’	’	PART
fsr-3406	70	19	self	self	NOUN
fsr-3406	70	20	-	-	PUNCT
fsr-3406	70	21	assessment	assessment	NOUN
fsr-3406	70	22	and	and	CCONJ
fsr-3406	70	23	their	their	PRON
fsr-3406	70	24	perception	perception	NOUN
fsr-3406	70	25	of	of	ADP
fsr-3406	70	26	financial	financial	ADJ
fsr-3406	70	27	issues	issue	NOUN
fsr-3406	70	28	.	.	PUNCT
fsr-3406	71	1	indeed	indeed	ADV
fsr-3406	71	2	,	,	PUNCT
fsr-3406	71	3	past	past	ADJ
fsr-3406	71	4	research	research	NOUN
fsr-3406	71	5	demonstrates	demonstrate	VERB
fsr-3406	71	6	a	a	DET
fsr-3406	71	7	discrepancy	discrepancy	NOUN
fsr-3406	71	8	between	between	ADP
fsr-3406	71	9	what	what	PRON
fsr-3406	71	10	individuals	individual	NOUN
fsr-3406	71	11	believe	believe	VERB
fsr-3406	71	12	they	they	PRON
fsr-3406	71	13	know	know	VERB
fsr-3406	71	14	and	and	CCONJ
fsr-3406	71	15	what	what	PRON
fsr-3406	71	16	they	they	PRON
fsr-3406	71	17	do	do	AUX
fsr-3406	71	18	know	know	VERB
fsr-3406	71	19	,	,	PUNCT
fsr-3406	71	20	with	with	SCONJ
fsr-3406	71	21	the	the	DET
fsr-3406	71	22	self	self	NOUN
fsr-3406	71	23	-	-	PUNCT
fsr-3406	71	24	assessment	assessment	NOUN
fsr-3406	71	25	often	often	ADV
fsr-3406	71	26	more	more	ADV
fsr-3406	71	27	positive	positive	ADJ
fsr-3406	71	28	than	than	ADP
fsr-3406	71	29	actual	actual	ADJ
fsr-3406	71	30	understanding	understanding	NOUN
fsr-3406	71	31	(	(	PUNCT
fsr-3406	71	32	asaad	asaad	NOUN
fsr-3406	71	33	,	,	PUNCT
fsr-3406	71	34	2015	2015	NUM
fsr-3406	71	35	)	)	PUNCT
fsr-3406	71	36	.	.	PUNCT
fsr-3406	72	1	2.2	2.2	NUM
fsr-3406	72	2	.	.	PUNCT
fsr-3406	72	3	financial	financial	ADJ
fsr-3406	72	4	distress	distress	NOUN
fsr-3406	72	5	:	:	PUNCT
fsr-3406	72	6	concept	concept	NOUN
fsr-3406	72	7	and	and	CCONJ
fsr-3406	72	8	causes	cause	VERB
fsr-3406	72	9	financial	financial	ADJ
fsr-3406	72	10	distress	distress	NOUN
fsr-3406	72	11	in	in	ADP
fsr-3406	72	12	the	the	DET
fsr-3406	72	13	context	context	NOUN
fsr-3406	72	14	of	of	ADP
fsr-3406	72	15	corporate	corporate	ADJ
fsr-3406	72	16	finance	finance	NOUN
fsr-3406	72	17	shows	show	VERB
fsr-3406	72	18	that	that	SCONJ
fsr-3406	72	19	in	in	ADP
fsr-3406	72	20	some	some	DET
fsr-3406	72	21	circumstances	circumstance	NOUN
fsr-3406	72	22	,	,	PUNCT
fsr-3406	72	23	a	a	DET
fsr-3406	72	24	company	company	NOUN
fsr-3406	72	25	can	can	AUX
fsr-3406	72	26	avoid	avoid	VERB
fsr-3406	72	27	moving	move	VERB
fsr-3406	72	28	from	from	ADP
fsr-3406	72	29	financial	financial	ADJ
fsr-3406	72	30	distress	distress	NOUN
fsr-3406	72	31	to	to	ADP
fsr-3406	72	32	bankruptcy	bankruptcy	NOUN
fsr-3406	72	33	.	.	PUNCT
fsr-3406	73	1	however	however	ADV
fsr-3406	73	2	,	,	PUNCT
fsr-3406	73	3	it	it	PRON
fsr-3406	73	4	requires	require	VERB
fsr-3406	73	5	a	a	DET
fsr-3406	73	6	lot	lot	NOUN
fsr-3406	73	7	of	of	ADP
fsr-3406	73	8	effort	effort	NOUN
fsr-3406	73	9	and	and	CCONJ
fsr-3406	73	10	financial	financial	ADJ
fsr-3406	73	11	support	support	NOUN
fsr-3406	73	12	.	.	PUNCT
fsr-3406	74	1	often	often	ADV
fsr-3406	74	2	,	,	PUNCT
fsr-3406	74	3	financial	financial	ADJ
fsr-3406	74	4	distress	distress	NOUN
fsr-3406	74	5	can	can	AUX
fsr-3406	74	6	come	come	VERB
fsr-3406	74	7	with	with	ADP
fsr-3406	74	8	costs	cost	NOUN
fsr-3406	74	9	,	,	PUNCT
fsr-3406	74	10	such	such	ADJ
fsr-3406	74	11	as	as	ADP
fsr-3406	74	12	fees	fee	NOUN
fsr-3406	74	13	paid	pay	VERB
fsr-3406	74	14	to	to	ADP
fsr-3406	74	15	lawyers	lawyer	NOUN
fsr-3406	74	16	or	or	CCONJ
fsr-3406	74	17	the	the	DET
fsr-3406	74	18	charges	charge	NOUN
fsr-3406	74	19	of	of	ADP
fsr-3406	74	20	additional	additional	ADJ
fsr-3406	74	21	interest	interest	NOUN
fsr-3406	74	22	for	for	ADP
fsr-3406	74	23	late	late	ADJ
fsr-3406	74	24	payments	payment	NOUN
fsr-3406	74	25	.	.	PUNCT
fsr-3406	75	1	if	if	SCONJ
fsr-3406	75	2	financial	financial	ADJ
fsr-3406	75	3	distress	distress	NOUN
fsr-3406	75	4	can	can	AUX
fsr-3406	75	5	not	not	PART
fsr-3406	75	6	be	be	AUX
fsr-3406	75	7	fully	fully	ADV
fsr-3406	75	8	improved	improve	VERB
fsr-3406	75	9	or	or	CCONJ
fsr-3406	75	10	at	at	ADP
fsr-3406	75	11	least	least	ADJ
fsr-3406	75	12	minimized	minimize	VERB
fsr-3406	75	13	,	,	PUNCT
fsr-3406	75	14	bankruptcy	bankruptcy	NOUN
fsr-3406	75	15	becomes	become	VERB
fsr-3406	75	16	unavoidable	unavoidable	ADJ
fsr-3406	75	17	.	.	PUNCT
fsr-3406	76	1	when	when	SCONJ
fsr-3406	76	2	it	it	PRON
fsr-3406	76	3	comes	come	VERB
fsr-3406	76	4	to	to	ADP
fsr-3406	76	5	individual	individual	ADJ
fsr-3406	76	6	financial	financial	ADJ
fsr-3406	76	7	distress	distress	NOUN
fsr-3406	76	8	,	,	PUNCT
fsr-3406	76	9	it	it	PRON
fsr-3406	76	10	can	can	AUX
fsr-3406	76	11	be	be	AUX
fsr-3406	76	12	viewed	view	VERB
fsr-3406	76	13	as	as	ADP
fsr-3406	76	14	not	not	PART
fsr-3406	76	15	saving	save	VERB
fsr-3406	76	16	enough	enough	ADJ
fsr-3406	76	17	for	for	ADP
fsr-3406	76	18	retirement	retirement	NOUN
fsr-3406	76	19	,	,	PUNCT
fsr-3406	76	20	accruing	accrue	VERB
fsr-3406	76	21	excessive	excessive	ADJ
fsr-3406	76	22	liabilities	liability	NOUN
fsr-3406	76	23	,	,	PUNCT
fsr-3406	76	24	and	and	CCONJ
fsr-3406	76	25	not	not	PART
fsr-3406	76	26	making	make	VERB
fsr-3406	76	27	use	use	NOUN
fsr-3406	76	28	of	of	ADP
fsr-3406	76	29	financial	financial	ADJ
fsr-3406	76	30	innovation	innovation	NOUN
fsr-3406	76	31	(	(	PUNCT
fsr-3406	76	32	campbell	campbell	PROPN
fsr-3406	76	33	,	,	PUNCT
fsr-3406	76	34	2006	2006	NUM
fsr-3406	76	35	;	;	PUNCT
fsr-3406	76	36	lusardi	lusardi	NOUN
fsr-3406	76	37	and	and	CCONJ
fsr-3406	76	38	mitchell	mitchell	PROPN
fsr-3406	76	39	,	,	PUNCT
fsr-3406	76	40	2007	2007	NUM
fsr-3406	76	41	)	)	PUNCT
fsr-3406	76	42	.	.	PUNCT
fsr-3406	77	1	ware	ware	NOUN
fsr-3406	77	2	(	(	PUNCT
fsr-3406	77	3	2015	2015	NUM
fsr-3406	77	4	)	)	PUNCT
fsr-3406	77	5	cites	cite	VERB
fsr-3406	77	6	personal	personal	ADJ
fsr-3406	77	7	financial	financial	ADJ
fsr-3406	77	8	distress	distress	NOUN
fsr-3406	77	9	as	as	ADP
fsr-3406	77	10	a	a	DET
fsr-3406	77	11	danger	danger	NOUN
fsr-3406	77	12	to	to	ADP
fsr-3406	77	13	households	household	NOUN
fsr-3406	77	14	.	.	PUNCT
fsr-3406	78	1	prawitz	prawitz	PROPN
fsr-3406	78	2	,	,	PUNCT
fsr-3406	78	3	kim	kim	PROPN
fsr-3406	78	4	,	,	PUNCT
fsr-3406	78	5	and	and	CCONJ
fsr-3406	78	6	garman	garman	PROPN
fsr-3406	78	7	(	(	PUNCT
fsr-3406	78	8	2006	2006	NUM
fsr-3406	78	9	)	)	PUNCT
fsr-3406	78	10	describe	describe	VERB
fsr-3406	78	11	financial	financial	ADJ
fsr-3406	78	12	distress	distress	NOUN
fsr-3406	78	13	as	as	ADP
fsr-3406	78	14	a	a	DET
fsr-3406	78	15	response	response	NOUN
fsr-3406	78	16	,	,	PUNCT
fsr-3406	78	17	such	such	ADJ
fsr-3406	78	18	as	as	ADP
fsr-3406	78	19	a	a	DET
fsr-3406	78	20	mental	mental	ADJ
fsr-3406	78	21	or	or	CCONJ
fsr-3406	78	22	physical	physical	ADJ
fsr-3406	78	23	discomfort	discomfort	NOUN
fsr-3406	78	24	pertaining	pertain	VERB
fsr-3406	78	25	to	to	ADP
fsr-3406	78	26	general	general	ADJ
fsr-3406	78	27	financial	financial	ADJ
fsr-3406	78	28	well	well	NOUN
fsr-3406	78	29	-	-	PUNCT
fsr-3406	78	30	being	being	NOUN
fsr-3406	78	31	.	.	PUNCT
fsr-3406	79	1	this	this	DET
fsr-3406	79	2	definition	definition	NOUN
fsr-3406	79	3	includes	include	VERB
fsr-3406	79	4	perceptions	perception	NOUN
fsr-3406	79	5	about	about	ADP
fsr-3406	79	6	one	one	NUM
fsr-3406	79	7	’s	’s	PART
fsr-3406	79	8	capacity	capacity	NOUN
fsr-3406	79	9	to	to	PART
fsr-3406	79	10	manage	manage	VERB
fsr-3406	79	11	wealth	wealth	NOUN
fsr-3406	79	12	,	,	PUNCT
fsr-3406	79	13	for	for	ADP
fsr-3406	79	14	example	example	NOUN
fsr-3406	79	15	,	,	PUNCT
fsr-3406	79	16	paying	pay	VERB
fsr-3406	79	17	bills	bill	NOUN
fsr-3406	79	18	,	,	PUNCT
fsr-3406	79	19	repaying	repay	VERB
fsr-3406	79	20	debts	debt	NOUN
fsr-3406	79	21	,	,	PUNCT
fsr-3406	79	22	and	and	CCONJ
fsr-3406	79	23	maintaining	maintain	VERB
fsr-3406	79	24	the	the	DET
fsr-3406	79	25	basic	basic	ADJ
fsr-3406	79	26	needs	need	NOUN
fsr-3406	79	27	and	and	CCONJ
fsr-3406	79	28	wants	want	VERB
fsr-3406	79	29	of	of	ADP
fsr-3406	79	30	life	life	NOUN
fsr-3406	79	31	.	.	PUNCT
fsr-3406	80	1	similarly	similarly	ADV
fsr-3406	80	2	,	,	PUNCT
fsr-3406	80	3	garman	garman	PROPN
fsr-3406	80	4	et	et	PROPN
fsr-3406	80	5	al	al	PROPN
fsr-3406	80	6	.	.	PROPN
fsr-3406	81	1	(	(	PUNCT
fsr-3406	81	2	2004	2004	NUM
fsr-3406	81	3	)	)	PUNCT
fsr-3406	81	4	introduce	introduce	VERB
fsr-3406	81	5	financial	financial	ADJ
fsr-3406	81	6	distress	distress	NOUN
fsr-3406	81	7	as	as	ADP
fsr-3406	81	8	intense	intense	ADJ
fsr-3406	81	9	physical	physical	ADJ
fsr-3406	81	10	or	or	CCONJ
fsr-3406	81	11	mental	mental	ADJ
fsr-3406	81	12	tension	tension	NOUN
fsr-3406	81	13	that	that	PRON
fsr-3406	81	14	includes	include	VERB
fsr-3406	81	15	concerns	concern	NOUN
fsr-3406	81	16	and	and	CCONJ
fsr-3406	81	17	worries	worry	NOUN
fsr-3406	81	18	about	about	ADP
fsr-3406	81	19	financial	financial	ADJ
fsr-3406	81	20	situations	situation	NOUN
fsr-3406	81	21	.	.	PUNCT
fsr-3406	82	1	financial	financial	ADJ
fsr-3406	82	2	distress	distress	NOUN
fsr-3406	82	3	can	can	AUX
fsr-3406	82	4	endure	endure	VERB
fsr-3406	82	5	for	for	ADP
fsr-3406	82	6	a	a	DET
fsr-3406	82	7	short	short	ADJ
fsr-3406	82	8	period	period	NOUN
fsr-3406	82	9	,	,	PUNCT
fsr-3406	82	10	or	or	CCONJ
fsr-3406	82	11	it	it	PRON
fsr-3406	82	12	can	can	AUX
fsr-3406	82	13	become	become	VERB
fsr-3406	82	14	a	a	DET
fsr-3406	82	15	constant	constant	ADJ
fsr-3406	82	16	state	state	NOUN
fsr-3406	82	17	.	.	PUNCT
fsr-3406	83	1	stressful	stressful	ADJ
fsr-3406	83	2	events	event	NOUN
fsr-3406	83	3	that	that	PRON
fsr-3406	83	4	can	can	AUX
fsr-3406	83	5	lead	lead	VERB
fsr-3406	83	6	to	to	ADP
fsr-3406	83	7	financial	financial	ADJ
fsr-3406	83	8	distress	distress	NOUN
fsr-3406	83	9	include	include	VERB
fsr-3406	83	10	receiving	receive	VERB
fsr-3406	83	11	overdue	overdue	ADJ
fsr-3406	83	12	notifications	notification	NOUN
fsr-3406	83	13	from	from	ADP
fsr-3406	83	14	creditors	creditor	NOUN
fsr-3406	83	15	and	and	CCONJ
fsr-3406	83	16	collection	collection	NOUN
fsr-3406	83	17	agencies	agency	NOUN
fsr-3406	83	18	,	,	PUNCT
fsr-3406	83	19	issuing	issue	VERB
fsr-3406	83	20	checks	check	NOUN
fsr-3406	83	21	without	without	ADP
fsr-3406	83	22	having	have	VERB
fsr-3406	83	23	sufficient	sufficient	ADJ
fsr-3406	83	24	funds	fund	NOUN
fsr-3406	83	25	,	,	PUNCT
fsr-3406	83	26	being	be	AUX
fsr-3406	83	27	late	late	ADJ
fsr-3406	83	28	with	with	ADP
fsr-3406	83	29	bill	bill	NOUN
fsr-3406	83	30	payments	payment	NOUN
fsr-3406	83	31	,	,	PUNCT
fsr-3406	83	32	and	and	CCONJ
fsr-3406	83	33	feeling	feel	VERB
fsr-3406	83	34	depressed	depressed	ADJ
fsr-3406	83	35	about	about	ADP
fsr-3406	83	36	being	be	AUX
fsr-3406	83	37	unprepared	unprepared	ADJ
fsr-3406	83	38	for	for	ADP
fsr-3406	83	39	major	major	ADJ
fsr-3406	83	40	life	life	NOUN
fsr-3406	83	41	events	event	NOUN
fsr-3406	83	42	such	such	ADJ
fsr-3406	83	43	as	as	ADP
fsr-3406	83	44	retirement	retirement	NOUN
fsr-3406	83	45	.	.	PUNCT
fsr-3406	84	1	worrying	worry	VERB
fsr-3406	84	2	about	about	ADP
fsr-3406	84	3	financial	financial	ADJ
fsr-3406	84	4	problems	problem	NOUN
fsr-3406	84	5	affects	affect	VERB
fsr-3406	84	6	many	many	ADJ
fsr-3406	84	7	other	other	ADJ
fsr-3406	84	8	aspects	aspect	NOUN
fsr-3406	84	9	of	of	ADP
fsr-3406	84	10	a	a	DET
fsr-3406	84	11	person	person	NOUN
fsr-3406	84	12	’s	’s	PART
fsr-3406	84	13	life	life	NOUN
fsr-3406	84	14	,	,	PUNCT
fsr-3406	84	15	such	such	ADJ
fsr-3406	84	16	as	as	ADP
fsr-3406	84	17	health	health	NOUN
fsr-3406	84	18	,	,	PUNCT
fsr-3406	84	19	productivity	productivity	NOUN
fsr-3406	84	20	,	,	PUNCT
fsr-3406	84	21	and	and	CCONJ
fsr-3406	84	22	relationships	relationship	NOUN
fsr-3406	84	23	.	.	PUNCT
fsr-3406	85	1	despite	despite	SCONJ
fsr-3406	85	2	the	the	DET
fsr-3406	85	3	severe	severe	ADJ
fsr-3406	85	4	adverse	adverse	ADJ
fsr-3406	85	5	spill	spill	NOUN
fsr-3406	85	6	-	-	PUNCT
fsr-3406	85	7	over	over	ADP
fsr-3406	85	8	effects	effect	NOUN
fsr-3406	85	9	of	of	ADP
fsr-3406	85	10	financial	financial	ADJ
fsr-3406	85	11	distress	distress	NOUN
fsr-3406	85	12	,	,	PUNCT
fsr-3406	85	13	measuring	measure	VERB
fsr-3406	85	14	the	the	DET
fsr-3406	85	15	constructs	construct	NOUN
fsr-3406	85	16	of	of	ADP
fsr-3406	85	17	perceived	perceive	VERB
fsr-3406	85	18	financial	financial	ADJ
fsr-3406	85	19	distress	distress	NOUN
fsr-3406	85	20	and	and	CCONJ
fsr-3406	85	21	financial	financial	ADJ
fsr-3406	85	22	well	well	NOUN
fsr-3406	85	23	-	-	PUNCT
fsr-3406	85	24	being	being	NOUN
fsr-3406	85	25	can	can	AUX
fsr-3406	85	26	be	be	AUX
fsr-3406	85	27	viewed	view	VERB
fsr-3406	85	28	as	as	ADP
fsr-3406	85	29	a	a	DET
fsr-3406	85	30	worthwhile	worthwhile	ADJ
fsr-3406	85	31	goal	goal	NOUN
fsr-3406	85	32	of	of	ADP
fsr-3406	85	33	many	many	ADJ
fsr-3406	85	34	researchers	researcher	NOUN
fsr-3406	85	35	.	.	PUNCT
fsr-3406	86	1	with	with	ADP
fsr-3406	86	2	adequate	adequate	ADJ
fsr-3406	86	3	education	education	NOUN
fsr-3406	86	4	and	and	CCONJ
fsr-3406	86	5	consulting	consulting	NOUN
fsr-3406	86	6	interventions	intervention	NOUN
fsr-3406	86	7	,	,	PUNCT
fsr-3406	86	8	it	it	PRON
fsr-3406	86	9	may	may	AUX
fsr-3406	86	10	be	be	AUX
fsr-3406	86	11	possible	possible	ADJ
fsr-3406	86	12	to	to	PART
fsr-3406	86	13	measure	measure	VERB
fsr-3406	86	14	whether	whether	SCONJ
fsr-3406	86	15	financial	financial	ADJ
fsr-3406	86	16	lives	life	NOUN
fsr-3406	86	17	are	be	AUX
fsr-3406	86	18	positively	positively	ADV
fsr-3406	86	19	changed	change	VERB
fsr-3406	86	20	(	(	PUNCT
fsr-3406	86	21	garman	garman	PROPN
fsr-3406	86	22	et	et	PROPN
fsr-3406	86	23	al	al	PROPN
fsr-3406	86	24	.	.	PROPN
fsr-3406	86	25	,	,	PUNCT
fsr-3406	86	26	2004	2004	NUM
fsr-3406	86	27	)	)	PUNCT
fsr-3406	86	28	.	.	PUNCT
fsr-3406	87	1	with	with	ADP
fsr-3406	87	2	that	that	DET
fsr-3406	87	3	endeavor	endeavor	NOUN
fsr-3406	87	4	in	in	ADP
fsr-3406	87	5	mind	mind	NOUN
fsr-3406	87	6	,	,	PUNCT
fsr-3406	87	7	a	a	DET
fsr-3406	87	8	team	team	NOUN
fsr-3406	87	9	of	of	ADP
fsr-3406	87	10	researchers	researcher	NOUN
fsr-3406	87	11	developed	develop	VERB
fsr-3406	87	12	the	the	DET
fsr-3406	87	13	incharge	incharge	NOUN
fsr-3406	87	14	financial	financial	ADJ
fsr-3406	87	15	distress	distress	NOUN
fsr-3406	87	16	/	/	SYM
fsr-3406	87	17	financial	financial	ADJ
fsr-3406	87	18	well	well	NOUN
fsr-3406	87	19	-	-	PUNCT
fsr-3406	87	20	being	be	AUX
fsr-3406	87	21	(	(	PUNCT
fsr-3406	87	22	ifdfw	ifdfw	NOUN
fsr-3406	87	23	)	)	PUNCT
fsr-3406	87	24	scale	scale	NOUN
fsr-3406	87	25	,	,	PUNCT
fsr-3406	87	26	an	an	DET
fsr-3406	87	27	eight	eight	NUM
fsr-3406	87	28	-	-	PUNCT
fsr-3406	87	29	item	item	NOUN
fsr-3406	87	30	self	self	NOUN
fsr-3406	87	31	-	-	PUNCT
fsr-3406	87	32	reported	report	VERB
fsr-3406	87	33	subjective	subjective	ADJ
fsr-3406	87	34	measure	measure	NOUN
fsr-3406	87	35	of	of	ADP
fsr-3406	87	36	financial	financial	ADJ
fsr-3406	87	37	distress	distress	NOUN
fsr-3406	87	38	/	/	SYM
fsr-3406	87	39	financial	financial	ADJ
fsr-3406	87	40	well	well	NOUN
fsr-3406	87	41	-	-	PUNCT
fsr-3406	87	42	being	be	AUX
fsr-3406	87	43	(	(	PUNCT
fsr-3406	87	44	garman	garman	NOUN
fsr-3406	87	45	et	et	PROPN
fsr-3406	87	46	al	al	PROPN
fsr-3406	87	47	.	.	PROPN
fsr-3406	87	48	,	,	PUNCT
fsr-3406	87	49	2005	2005	NUM
fsr-3406	87	50	;	;	PUNCT
fsr-3406	87	51	prawitz	prawitz	PROPN
fsr-3406	87	52	et	et	PROPN
fsr-3406	87	53	al	al	PROPN
fsr-3406	87	54	.	.	PROPN
fsr-3406	87	55	,	,	PUNCT
fsr-3406	87	56	2006	2006	NUM
fsr-3406	87	57	)	)	PUNCT
fsr-3406	87	58	.	.	PUNCT
fsr-3406	88	1	the	the	DET
fsr-3406	88	2	ifdfw	ifdfw	ADJ
fsr-3406	88	3	scale	scale	NOUN
fsr-3406	88	4	measure	measure	NOUN
fsr-3406	88	5	respondents	respondent	NOUN
fsr-3406	88	6	’	'	PUNCT
fsr-3406	88	7	feelings	feeling	NOUN
fsr-3406	88	8	about	about	ADP
fsr-3406	88	9	their	their	PRON
fsr-3406	88	10	financial	financial	ADJ
fsr-3406	88	11	situation	situation	NOUN
fsr-3406	88	12	on	on	ADP
fsr-3406	88	13	a	a	DET
fsr-3406	88	14	continuum	continuum	ADJ
fsr-3406	88	15	,	,	PUNCT
fsr-3406	88	16	from	from	ADP
fsr-3406	88	17	overwhelming	overwhelming	ADJ
fsr-3406	88	18	financial	financial	ADJ
fsr-3406	88	19	distress	distress	NOUN
fsr-3406	88	20	,	,	PUNCT
fsr-3406	88	21	the	the	DET
fsr-3406	88	22	lowest	low	ADJ
fsr-3406	88	23	level	level	NOUN
fsr-3406	88	24	of	of	ADP
fsr-3406	88	25	financial	financial	ADJ
fsr-3406	88	26	well	well	NOUN
fsr-3406	88	27	-	-	PUNCT
fsr-3406	88	28	being	being	NOUN
fsr-3406	88	29	,	,	PUNCT
fsr-3406	88	30	to	to	ADP
fsr-3406	88	31	no	no	DET
fsr-3406	88	32	financial	financial	ADJ
fsr-3406	88	33	distress	distress	NOUN
fsr-3406	88	34	or	or	CCONJ
fsr-3406	88	35	the	the	DET
fsr-3406	88	36	highest	high	ADJ
fsr-3406	88	37	level	level	NOUN
fsr-3406	88	38	of	of	ADP
fsr-3406	88	39	financial	financial	ADJ
fsr-3406	88	40	well	well	NOUN
fsr-3406	88	41	-	-	PUNCT
fsr-3406	88	42	being	being	NOUN
fsr-3406	88	43	.	.	PUNCT
fsr-3406	89	1	saving	save	VERB
fsr-3406	89	2	goals	goal	NOUN
fsr-3406	89	3	are	be	AUX
fsr-3406	89	4	useful	useful	ADJ
fsr-3406	89	5	clues	clue	NOUN
fsr-3406	89	6	when	when	SCONJ
fsr-3406	89	7	it	it	PRON
fsr-3406	89	8	comes	come	VERB
fsr-3406	89	9	to	to	ADP
fsr-3406	89	10	assessing	assess	VERB
fsr-3406	89	11	financial	financial	ADJ
fsr-3406	89	12	behavior	behavior	NOUN
fsr-3406	89	13	.	.	PUNCT
fsr-3406	90	1	browning	browning	NOUN
fsr-3406	90	2	and	and	CCONJ
fsr-3406	90	3	lusardi	lusardi	PROPN
fsr-3406	90	4	(	(	PUNCT
fsr-3406	90	5	1996	1996	NUM
fsr-3406	90	6	)	)	PUNCT
fsr-3406	90	7	suggest	suggest	VERB
fsr-3406	90	8	eight	eight	NUM
fsr-3406	90	9	saving	saving	NOUN
fsr-3406	90	10	goals	goal	NOUN
fsr-3406	90	11	,	,	PUNCT
fsr-3406	90	12	namely	namely	ADV
fsr-3406	90	13	:	:	PUNCT
fsr-3406	90	14	precautionary	precautionary	ADJ
fsr-3406	90	15	needs	need	NOUN
fsr-3406	90	16	,	,	PUNCT
fsr-3406	90	17	foresight	foresight	NOUN
fsr-3406	90	18	,	,	PUNCT
fsr-3406	90	19	calculation	calculation	NOUN
fsr-3406	90	20	,	,	PUNCT
fsr-3406	90	21	improvement	improvement	NOUN
fsr-3406	90	22	,	,	PUNCT
fsr-3406	90	23	independence	independence	NOUN
fsr-3406	90	24	,	,	PUNCT
fsr-3406	90	25	enterprise	enterprise	NOUN
fsr-3406	90	26	,	,	PUNCT
fsr-3406	90	27	pride	pride	NOUN
fsr-3406	90	28	,	,	PUNCT
fsr-3406	90	29	and	and	CCONJ
fsr-3406	90	30	avarice	avarice	NOUN
fsr-3406	90	31	.	.	PUNCT
fsr-3406	91	1	more	more	ADV
fsr-3406	91	2	recently	recently	ADV
fsr-3406	91	3	,	,	PUNCT
fsr-3406	91	4	lee	lee	PROPN
fsr-3406	91	5	and	and	CCONJ
fsr-3406	91	6	hanna	hanna	PROPN
fsr-3406	91	7	(	(	PUNCT
fsr-3406	91	8	2015	2015	NUM
fsr-3406	91	9	)	)	PUNCT
fsr-3406	91	10	examine	examine	NOUN
fsr-3406	91	11	associations	association	NOUN
fsr-3406	91	12	between	between	ADP
fsr-3406	91	13	saving	save	VERB
fsr-3406	91	14	goals	goal	NOUN
fsr-3406	91	15	and	and	CCONJ
fsr-3406	91	16	saving	save	VERB
fsr-3406	91	17	behavior	behavior	NOUN
fsr-3406	91	18	from	from	ADP
fsr-3406	91	19	a	a	DET
fsr-3406	91	20	perspective	perspective	NOUN
fsr-3406	91	21	of	of	ADP
fsr-3406	91	22	maslow	maslow	NOUN
fsr-3406	91	23	’s	’s	PART
fsr-3406	91	24	hierarchy	hierarchy	NOUN
fsr-3406	91	25	.	.	PUNCT
fsr-3406	92	1	using	use	VERB
fsr-3406	92	2	the	the	DET
fsr-3406	92	3	1998–2007	1998–2007	NUM
fsr-3406	92	4	surveys	survey	NOUN
fsr-3406	92	5	of	of	ADP
fsr-3406	92	6	consumer	consumer	NOUN
fsr-3406	92	7	finance	finance	NOUN
fsr-3406	92	8	datasets	dataset	NOUN
fsr-3406	92	9	,	,	PUNCT
fsr-3406	92	10	they	they	PRON
fsr-3406	92	11	find	find	VERB
fsr-3406	92	12	that	that	SCONJ
fsr-3406	92	13	the	the	DET
fsr-3406	92	14	retirement	retirement	NOUN
fsr-3406	92	15	/	/	SYM
fsr-3406	92	16	security	security	NOUN
fsr-3406	92	17	goal	goal	NOUN
fsr-3406	92	18	was	be	AUX
fsr-3406	92	19	the	the	DET
fsr-3406	92	20	most	most	ADV
fsr-3406	92	21	frequently	frequently	ADV
fsr-3406	92	22	mentioned	mention	VERB
fsr-3406	92	23	,	,	PUNCT
fsr-3406	92	24	and	and	CCONJ
fsr-3406	92	25	395j.k	395j.k	NUM
fsr-3406	92	26	.	.	PUNCT
fsr-3406	93	1	scott	scott	PROPN
fsr-3406	93	2	et	et	PROPN
fsr-3406	93	3	al	al	PROPN
fsr-3406	93	4	.	.	PUNCT
fsr-3406	93	5	/	/	SYM
fsr-3406	93	6	financial	financial	ADJ
fsr-3406	93	7	services	service	NOUN
fsr-3406	93	8	review	review	VERB
fsr-3406	93	9	27	27	NUM
fsr-3406	93	10	(	(	PUNCT
fsr-3406	93	11	2018	2018	NUM
fsr-3406	93	12	)	)	PUNCT
fsr-3406	93	13	391	391	NUM
fsr-3406	93	14	-	-	SYM
fsr-3406	93	15	411	411	NUM
fsr-3406	93	16	the	the	DET
fsr-3406	93	17	self	self	NOUN
fsr-3406	93	18	-	-	PUNCT
fsr-3406	93	19	actualization	actualization	NOUN
fsr-3406	93	20	goal	goal	NOUN
fsr-3406	93	21	was	be	AUX
fsr-3406	93	22	the	the	DET
fsr-3406	93	23	least	least	ADV
fsr-3406	93	24	cited	cite	VERB
fsr-3406	93	25	as	as	ADP
fsr-3406	93	26	the	the	DET
fsr-3406	93	27	reason	reason	NOUN
fsr-3406	93	28	for	for	ADP
fsr-3406	93	29	saving	save	VERB
fsr-3406	93	30	behavior	behavior	NOUN
fsr-3406	93	31	.	.	PUNCT
fsr-3406	94	1	in	in	ADP
fsr-3406	94	2	other	other	ADJ
fsr-3406	94	3	words	word	NOUN
fsr-3406	94	4	,	,	PUNCT
fsr-3406	94	5	besides	besides	SCONJ
fsr-3406	94	6	providing	provide	VERB
fsr-3406	94	7	for	for	ADP
fsr-3406	94	8	the	the	DET
fsr-3406	94	9	necessities	necessity	NOUN
fsr-3406	94	10	of	of	ADP
fsr-3406	94	11	life	life	NOUN
fsr-3406	94	12	and	and	CCONJ
fsr-3406	94	13	paying	pay	VERB
fsr-3406	94	14	off	off	ADP
fsr-3406	94	15	debt	debt	NOUN
fsr-3406	94	16	,	,	PUNCT
fsr-3406	94	17	not	not	PART
fsr-3406	94	18	saving	save	VERB
fsr-3406	94	19	enough	enough	ADJ
fsr-3406	94	20	for	for	ADP
fsr-3406	94	21	retirement	retirement	NOUN
fsr-3406	94	22	is	be	AUX
fsr-3406	94	23	a	a	DET
fsr-3406	94	24	key	key	ADJ
fsr-3406	94	25	contributing	contribute	VERB
fsr-3406	94	26	factor	factor	NOUN
fsr-3406	94	27	to	to	ADP
fsr-3406	94	28	financial	financial	ADJ
fsr-3406	94	29	distress	distress	NOUN
fsr-3406	94	30	.	.	PUNCT
fsr-3406	95	1	demographic	demographic	ADJ
fsr-3406	95	2	factors	factor	NOUN
fsr-3406	95	3	also	also	ADV
fsr-3406	95	4	play	play	VERB
fsr-3406	95	5	a	a	DET
fsr-3406	95	6	role	role	NOUN
fsr-3406	95	7	in	in	ADP
fsr-3406	95	8	explaining	explain	VERB
fsr-3406	95	9	the	the	DET
fsr-3406	95	10	cause	cause	NOUN
fsr-3406	95	11	of	of	ADP
fsr-3406	95	12	financial	financial	ADJ
fsr-3406	95	13	distress	distress	NOUN
fsr-3406	95	14	.	.	PUNCT
fsr-3406	96	1	from	from	ADP
fsr-3406	96	2	previous	previous	ADJ
fsr-3406	96	3	studies	study	NOUN
fsr-3406	96	4	,	,	PUNCT
fsr-3406	96	5	it	it	PRON
fsr-3406	96	6	has	have	AUX
fsr-3406	96	7	been	be	AUX
fsr-3406	96	8	noted	note	VERB
fsr-3406	96	9	that	that	SCONJ
fsr-3406	96	10	having	have	VERB
fsr-3406	96	11	dependent	dependent	ADJ
fsr-3406	96	12	children	child	NOUN
fsr-3406	96	13	,	,	PUNCT
fsr-3406	96	14	being	be	AUX
fsr-3406	96	15	separated	separate	VERB
fsr-3406	96	16	or	or	CCONJ
fsr-3406	96	17	divorced	divorce	VERB
fsr-3406	96	18	,	,	PUNCT
fsr-3406	96	19	earning	earn	VERB
fsr-3406	96	20	a	a	DET
fsr-3406	96	21	low	low	ADJ
fsr-3406	96	22	income	income	NOUN
fsr-3406	96	23	,	,	PUNCT
fsr-3406	96	24	and/or	and/or	CCONJ
fsr-3406	96	25	having	have	VERB
fsr-3406	96	26	no	no	DET
fsr-3406	96	27	job	job	NOUN
fsr-3406	96	28	,	,	PUNCT
fsr-3406	96	29	increases	increase	VERB
fsr-3406	96	30	the	the	DET
fsr-3406	96	31	likelihood	likelihood	NOUN
fsr-3406	96	32	of	of	ADP
fsr-3406	96	33	financial	financial	ADJ
fsr-3406	96	34	distress	distress	NOUN
fsr-3406	96	35	.	.	PUNCT
fsr-3406	97	1	financial	financial	ADJ
fsr-3406	97	2	distress	distress	NOUN
fsr-3406	97	3	has	have	AUX
fsr-3406	97	4	also	also	ADV
fsr-3406	97	5	been	be	AUX
fsr-3406	97	6	linked	link	VERB
fsr-3406	97	7	to	to	ADP
fsr-3406	97	8	gender	gender	NOUN
fsr-3406	97	9	,	,	PUNCT
fsr-3406	97	10	with	with	ADP
fsr-3406	97	11	men	man	NOUN
fsr-3406	97	12	being	be	AUX
fsr-3406	97	13	less	less	ADV
fsr-3406	97	14	likely	likely	ADJ
fsr-3406	97	15	to	to	PART
fsr-3406	97	16	have	have	VERB
fsr-3406	97	17	debt	debt	NOUN
fsr-3406	97	18	—	—	PUNCT
fsr-3406	97	19	and	and	CCONJ
fsr-3406	97	20	to	to	ADP
fsr-3406	97	21	age	age	NOUN
fsr-3406	97	22	,	,	PUNCT
fsr-3406	97	23	with	with	ADP
fsr-3406	97	24	younger	young	ADJ
fsr-3406	97	25	people	people	NOUN
fsr-3406	97	26	being	be	AUX
fsr-3406	97	27	more	more	ADV
fsr-3406	97	28	at	at	ADP
fsr-3406	97	29	risk	risk	NOUN
fsr-3406	97	30	(	(	PUNCT
fsr-3406	97	31	orc	orc	NOUN
fsr-3406	97	32	,	,	PUNCT
fsr-3406	97	33	2015	2015	NUM
fsr-3406	97	34	)	)	PUNCT
fsr-3406	97	35	because	because	SCONJ
fsr-3406	97	36	they	they	PRON
fsr-3406	97	37	are	be	AUX
fsr-3406	97	38	less	less	ADV
fsr-3406	97	39	reluctant	reluctant	ADJ
fsr-3406	97	40	to	to	PART
fsr-3406	97	41	use	use	VERB
fsr-3406	97	42	credit	credit	NOUN
fsr-3406	97	43	to	to	PART
fsr-3406	97	44	finance	finance	VERB
fsr-3406	97	45	expenses	expense	NOUN
fsr-3406	97	46	(	(	PUNCT
fsr-3406	97	47	disney	disney	NOUN
fsr-3406	97	48	et	et	PROPN
fsr-3406	97	49	al	al	PROPN
fsr-3406	97	50	.	.	PROPN
fsr-3406	97	51	,	,	PUNCT
fsr-3406	97	52	2008	2008	NUM
fsr-3406	97	53	)	)	PUNCT
fsr-3406	97	54	.	.	PUNCT
fsr-3406	98	1	moreover	moreover	ADV
fsr-3406	98	2	,	,	PUNCT
fsr-3406	98	3	living	live	VERB
fsr-3406	98	4	in	in	ADP
fsr-3406	98	5	a	a	DET
fsr-3406	98	6	region	region	NOUN
fsr-3406	98	7	dominated	dominate	VERB
fsr-3406	98	8	by	by	ADP
fsr-3406	98	9	poverty	poverty	NOUN
fsr-3406	98	10	such	such	ADJ
fsr-3406	98	11	as	as	ADP
fsr-3406	98	12	in	in	ADP
fsr-3406	98	13	the	the	DET
fsr-3406	98	14	southern	southern	ADJ
fsr-3406	98	15	states	state	NOUN
fsr-3406	98	16	of	of	ADP
fsr-3406	98	17	the	the	DET
fsr-3406	98	18	united	united	PROPN
fsr-3406	98	19	states	states	PROPN
fsr-3406	98	20	,	,	PUNCT
fsr-3406	98	21	is	be	AUX
fsr-3406	98	22	also	also	ADV
fsr-3406	98	23	a	a	DET
fsr-3406	98	24	factor	factor	NOUN
fsr-3406	98	25	contributing	contribute	VERB
fsr-3406	98	26	to	to	ADP
fsr-3406	98	27	financial	financial	ADJ
fsr-3406	98	28	difficulties	difficulty	NOUN
fsr-3406	98	29	(	(	PUNCT
fsr-3406	98	30	fram	fram	NOUN
fsr-3406	98	31	,	,	PUNCT
fsr-3406	98	32	miller	miller	PROPN
fsr-3406	98	33	-	-	PUNCT
fsr-3406	98	34	cribbs	cribbs	PROPN
fsr-3406	98	35	,	,	PUNCT
fsr-3406	98	36	and	and	CCONJ
fsr-3406	98	37	van	van	PROPN
fsr-3406	98	38	horn	horn	NOUN
fsr-3406	98	39	,	,	PUNCT
fsr-3406	98	40	2007	2007	NUM
fsr-3406	98	41	)	)	PUNCT
fsr-3406	98	42	.	.	PUNCT
fsr-3406	99	1	after	after	ADP
fsr-3406	99	2	examining	examine	VERB
fsr-3406	99	3	and	and	CCONJ
fsr-3406	99	4	comparing	compare	VERB
fsr-3406	99	5	the	the	DET
fsr-3406	99	6	national	national	ADJ
fsr-3406	99	7	financial	financial	ADJ
fsr-3406	99	8	capability	capability	NOUN
fsr-3406	99	9	study	study	NOUN
fsr-3406	99	10	,	,	PUNCT
fsr-3406	99	11	the	the	DET
fsr-3406	99	12	incharge	incharge	NOUN
fsr-3406	99	13	financial	financial	ADJ
fsr-3406	99	14	distress	distress	NOUN
fsr-3406	99	15	/	/	SYM
fsr-3406	99	16	financial	financial	ADJ
fsr-3406	99	17	well	well	NOUN
fsr-3406	99	18	-	-	PUNCT
fsr-3406	99	19	being	be	AUX
fsr-3406	99	20	(	(	PUNCT
fsr-3406	99	21	ifdfw	ifdfw	NOUN
fsr-3406	99	22	)	)	PUNCT
fsr-3406	99	23	,	,	PUNCT
fsr-3406	99	24	and	and	CCONJ
fsr-3406	99	25	maslow	maslow	NOUN
fsr-3406	99	26	’s	’s	PART
fsr-3406	99	27	hierarchy	hierarchy	NOUN
fsr-3406	99	28	as	as	SCONJ
fsr-3406	99	29	it	it	PRON
fsr-3406	99	30	relates	relate	VERB
fsr-3406	99	31	to	to	ADP
fsr-3406	99	32	personal	personal	ADJ
fsr-3406	99	33	finance	finance	NOUN
fsr-3406	99	34	,	,	PUNCT
fsr-3406	99	35	three	three	NUM
fsr-3406	99	36	measures	measure	NOUN
fsr-3406	99	37	of	of	ADP
fsr-3406	99	38	financial	financial	ADJ
fsr-3406	99	39	distress	distress	NOUN
fsr-3406	99	40	are	be	AUX
fsr-3406	99	41	assessed	assess	VERB
fsr-3406	99	42	in	in	ADP
fsr-3406	99	43	this	this	DET
fsr-3406	99	44	piece	piece	NOUN
fsr-3406	99	45	of	of	ADP
fsr-3406	99	46	research	research	NOUN
fsr-3406	99	47	:	:	PUNCT
fsr-3406	99	48	(	(	PUNCT
fsr-3406	99	49	1	1	X
fsr-3406	99	50	)	)	PUNCT
fsr-3406	99	51	difficulty	difficulty	NOUN
fsr-3406	99	52	in	in	ADP
fsr-3406	99	53	paying	pay	VERB
fsr-3406	99	54	bills	bill	NOUN
fsr-3406	99	55	,	,	PUNCT
fsr-3406	99	56	(	(	PUNCT
fsr-3406	99	57	2	2	X
fsr-3406	99	58	)	)	PUNCT
fsr-3406	99	59	worrying	worry	VERB
fsr-3406	99	60	about	about	ADP
fsr-3406	99	61	retirement	retirement	NOUN
fsr-3406	99	62	saving	saving	NOUN
fsr-3406	99	63	,	,	PUNCT
fsr-3406	99	64	and	and	CCONJ
fsr-3406	99	65	(	(	PUNCT
fsr-3406	99	66	3	3	X
fsr-3406	99	67	)	)	PUNCT
fsr-3406	99	68	being	be	AUX
fsr-3406	99	69	late	late	ADJ
fsr-3406	99	70	with	with	ADP
fsr-3406	99	71	a	a	DET
fsr-3406	99	72	mortgage	mortgage	NOUN
fsr-3406	99	73	payment	payment	NOUN
fsr-3406	99	74	.	.	PUNCT
fsr-3406	100	1	given	give	VERB
fsr-3406	100	2	the	the	DET
fsr-3406	100	3	lack	lack	NOUN
fsr-3406	100	4	of	of	ADP
fsr-3406	100	5	a	a	DET
fsr-3406	100	6	single	single	ADJ
fsr-3406	100	7	widely	widely	ADV
fsr-3406	100	8	accepted	accept	VERB
fsr-3406	100	9	measurement	measurement	NOUN
fsr-3406	100	10	of	of	ADP
fsr-3406	100	11	financial	financial	ADJ
fsr-3406	100	12	distress	distress	NOUN
fsr-3406	100	13	,	,	PUNCT
fsr-3406	100	14	the	the	DET
fsr-3406	100	15	three	three	NUM
fsr-3406	100	16	measurement	measurement	NOUN
fsr-3406	100	17	approaches	approach	NOUN
fsr-3406	100	18	are	be	AUX
fsr-3406	100	19	vital	vital	ADJ
fsr-3406	100	20	in	in	ADP
fsr-3406	100	21	developing	develop	VERB
fsr-3406	100	22	our	our	PRON
fsr-3406	100	23	study	study	NOUN
fsr-3406	100	24	.	.	PUNCT
fsr-3406	101	1	2.3	2.3	NUM
fsr-3406	101	2	.	.	PUNCT
fsr-3406	101	3	financial	financial	ADJ
fsr-3406	101	4	literacy	literacy	NOUN
fsr-3406	101	5	and	and	CCONJ
fsr-3406	101	6	individual	individual	ADJ
fsr-3406	101	7	financial	financial	ADJ
fsr-3406	101	8	decisions	decision	NOUN
fsr-3406	101	9	in	in	ADP
fsr-3406	101	10	addition	addition	NOUN
fsr-3406	101	11	to	to	ADP
fsr-3406	101	12	investigating	investigate	VERB
fsr-3406	101	13	the	the	DET
fsr-3406	101	14	relation	relation	NOUN
fsr-3406	101	15	between	between	ADP
fsr-3406	101	16	financial	financial	ADJ
fsr-3406	101	17	literacy	literacy	NOUN
fsr-3406	101	18	and	and	CCONJ
fsr-3406	101	19	financial	financial	ADJ
fsr-3406	101	20	behavior	behavior	NOUN
fsr-3406	101	21	,	,	PUNCT
fsr-3406	101	22	researchers	researcher	NOUN
fsr-3406	101	23	have	have	AUX
fsr-3406	101	24	also	also	ADV
fsr-3406	101	25	looked	look	VERB
fsr-3406	101	26	at	at	ADP
fsr-3406	101	27	evidence	evidence	NOUN
fsr-3406	101	28	of	of	ADP
fsr-3406	101	29	correlation	correlation	NOUN
fsr-3406	101	30	and	and	CCONJ
fsr-3406	101	31	causality	causality	NOUN
fsr-3406	101	32	between	between	ADP
fsr-3406	101	33	knowledge	knowledge	NOUN
fsr-3406	101	34	and	and	CCONJ
fsr-3406	101	35	practice	practice	NOUN
fsr-3406	101	36	in	in	ADP
fsr-3406	101	37	personal	personal	ADJ
fsr-3406	101	38	finance	finance	NOUN
fsr-3406	101	39	.	.	PUNCT
fsr-3406	102	1	chen	chen	PROPN
fsr-3406	102	2	and	and	CCONJ
fsr-3406	102	3	volpe	volpe	PROPN
fsr-3406	102	4	(	(	PUNCT
fsr-3406	102	5	2002	2002	NUM
fsr-3406	102	6	)	)	PUNCT
fsr-3406	102	7	showed	show	VERB
fsr-3406	102	8	that	that	SCONJ
fsr-3406	102	9	the	the	DET
fsr-3406	102	10	enthusiasm	enthusiasm	NOUN
fsr-3406	102	11	for	for	ADP
fsr-3406	102	12	a	a	DET
fsr-3406	102	13	personal	personal	ADJ
fsr-3406	102	14	finance	finance	NOUN
fsr-3406	102	15	course	course	NOUN
fsr-3406	102	16	varied	vary	VERB
fsr-3406	102	17	by	by	ADP
fsr-3406	102	18	gender	gender	NOUN
fsr-3406	102	19	.	.	PUNCT
fsr-3406	103	1	women	woman	NOUN
fsr-3406	103	2	were	be	AUX
fsr-3406	103	3	more	more	ADV
fsr-3406	103	4	enthusiastic	enthusiastic	ADJ
fsr-3406	103	5	about	about	ADP
fsr-3406	103	6	english	english	PROPN
fsr-3406	103	7	and	and	CCONJ
fsr-3406	103	8	humanities	humanity	NOUN
fsr-3406	103	9	and	and	CCONJ
fsr-3406	103	10	men	man	NOUN
fsr-3406	103	11	favored	favor	VERB
fsr-3406	103	12	mathematics	mathematic	NOUN
fsr-3406	103	13	and	and	CCONJ
fsr-3406	103	14	science	science	NOUN
fsr-3406	103	15	.	.	PUNCT
fsr-3406	104	1	moore	moore	PROPN
fsr-3406	104	2	(	(	PUNCT
fsr-3406	104	3	2003	2003	NUM
fsr-3406	104	4	)	)	PUNCT
fsr-3406	104	5	concludes	conclude	VERB
fsr-3406	104	6	that	that	SCONJ
fsr-3406	104	7	individuals	individual	NOUN
fsr-3406	104	8	with	with	ADP
fsr-3406	104	9	a	a	DET
fsr-3406	104	10	lower	low	ADJ
fsr-3406	104	11	level	level	NOUN
fsr-3406	104	12	of	of	ADP
fsr-3406	104	13	financial	financial	ADJ
fsr-3406	104	14	literacy	literacy	NOUN
fsr-3406	104	15	are	be	AUX
fsr-3406	104	16	expected	expect	VERB
fsr-3406	104	17	to	to	PART
fsr-3406	104	18	make	make	VERB
fsr-3406	104	19	poor	poor	ADJ
fsr-3406	104	20	financial	financial	ADJ
fsr-3406	104	21	decisions	decision	NOUN
fsr-3406	104	22	,	,	PUNCT
fsr-3406	104	23	such	such	ADJ
fsr-3406	104	24	as	as	ADP
fsr-3406	104	25	taking	take	VERB
fsr-3406	104	26	on	on	ADP
fsr-3406	104	27	costly	costly	ADJ
fsr-3406	104	28	mortgages	mortgage	NOUN
fsr-3406	104	29	,	,	PUNCT
fsr-3406	104	30	because	because	SCONJ
fsr-3406	104	31	of	of	ADP
fsr-3406	104	32	inadequate	inadequate	ADJ
fsr-3406	104	33	understanding	understanding	NOUN
fsr-3406	104	34	of	of	ADP
fsr-3406	104	35	basic	basic	ADJ
fsr-3406	104	36	financial	financial	ADJ
fsr-3406	104	37	concepts	concept	NOUN
fsr-3406	104	38	(	(	PUNCT
fsr-3406	104	39	like	like	ADP
fsr-3406	104	40	that	that	PRON
fsr-3406	104	41	of	of	ADP
fsr-3406	104	42	compound	compound	NOUN
fsr-3406	104	43	interest	interest	NOUN
fsr-3406	104	44	rates	rate	NOUN
fsr-3406	104	45	)	)	PUNCT
fsr-3406	104	46	.	.	PUNCT
fsr-3406	105	1	the	the	DET
fsr-3406	105	2	gap	gap	NOUN
fsr-3406	105	3	in	in	ADP
fsr-3406	105	4	financial	financial	ADJ
fsr-3406	105	5	knowledge	knowledge	NOUN
fsr-3406	105	6	between	between	ADP
fsr-3406	105	7	lenders	lender	NOUN
fsr-3406	105	8	and	and	CCONJ
fsr-3406	105	9	borrowers	borrower	NOUN
fsr-3406	105	10	also	also	ADV
fsr-3406	105	11	lends	lend	VERB
fsr-3406	105	12	credence	credence	NOUN
fsr-3406	105	13	to	to	ADP
fsr-3406	105	14	borrowers	borrower	NOUN
fsr-3406	105	15	’	’	PART
fsr-3406	105	16	mortgage	mortgage	NOUN
fsr-3406	105	17	experiences	experience	NOUN
fsr-3406	105	18	,	,	PUNCT
fsr-3406	105	19	that	that	ADV
fsr-3406	105	20	is	is	ADV
fsr-3406	105	21	,	,	PUNCT
fsr-3406	105	22	taking	take	VERB
fsr-3406	105	23	out	out	ADP
fsr-3406	105	24	loans	loan	NOUN
fsr-3406	105	25	with	with	ADP
fsr-3406	105	26	more	more	ADV
fsr-3406	105	27	uncertain	uncertain	ADJ
fsr-3406	105	28	or	or	CCONJ
fsr-3406	105	29	less	less	ADV
fsr-3406	105	30	beneficial	beneficial	ADJ
fsr-3406	105	31	contractual	contractual	ADJ
fsr-3406	105	32	terms	term	NOUN
fsr-3406	105	33	(	(	PUNCT
fsr-3406	105	34	campbell	campbell	PROPN
fsr-3406	105	35	,	,	PUNCT
fsr-3406	105	36	2006	2006	NUM
fsr-3406	105	37	)	)	PUNCT
fsr-3406	105	38	.	.	PUNCT
fsr-3406	106	1	using	use	VERB
fsr-3406	106	2	data	datum	NOUN
fsr-3406	106	3	from	from	ADP
fsr-3406	106	4	the	the	DET
fsr-3406	106	5	uk	uk	PROPN
fsr-3406	106	6	financial	financial	ADJ
fsr-3406	106	7	capability	capability	NOUN
fsr-3406	106	8	survey	survey	NOUN
fsr-3406	106	9	,	,	PUNCT
fsr-3406	106	10	mccarthy	mccarthy	PROPN
fsr-3406	106	11	(	(	PUNCT
fsr-3406	106	12	2011	2011	NUM
fsr-3406	106	13	)	)	PUNCT
fsr-3406	106	14	examines	examine	VERB
fsr-3406	106	15	the	the	DET
fsr-3406	106	16	relation	relation	NOUN
fsr-3406	106	17	between	between	ADP
fsr-3406	106	18	financial	financial	ADJ
fsr-3406	106	19	distress	distress	NOUN
fsr-3406	106	20	and	and	CCONJ
fsr-3406	106	21	financial	financial	ADJ
fsr-3406	106	22	literacy	literacy	NOUN
fsr-3406	106	23	.	.	PUNCT
fsr-3406	107	1	alongside	alongside	ADP
fsr-3406	107	2	personal	personal	ADJ
fsr-3406	107	3	traits	trait	NOUN
fsr-3406	107	4	,	,	PUNCT
fsr-3406	107	5	mccarthy	mccarthy	PROPN
fsr-3406	107	6	(	(	PUNCT
fsr-3406	107	7	2011	2011	NUM
fsr-3406	107	8	)	)	PUNCT
fsr-3406	107	9	finds	find	VERB
fsr-3406	107	10	that	that	SCONJ
fsr-3406	107	11	people	people	NOUN
fsr-3406	107	12	with	with	ADP
fsr-3406	107	13	higher	high	ADJ
fsr-3406	107	14	levels	level	NOUN
fsr-3406	107	15	of	of	ADP
fsr-3406	107	16	financial	financial	ADJ
fsr-3406	107	17	literacy	literacy	NOUN
fsr-3406	107	18	are	be	AUX
fsr-3406	107	19	less	less	ADV
fsr-3406	107	20	likely	likely	ADJ
fsr-3406	107	21	to	to	PART
fsr-3406	107	22	experience	experience	VERB
fsr-3406	107	23	financial	financial	ADJ
fsr-3406	107	24	distress	distress	NOUN
fsr-3406	107	25	.	.	PUNCT
fsr-3406	108	1	in	in	ADP
fsr-3406	108	2	summary	summary	NOUN
fsr-3406	108	3	,	,	PUNCT
fsr-3406	108	4	while	while	SCONJ
fsr-3406	108	5	several	several	ADJ
fsr-3406	108	6	papers	paper	NOUN
fsr-3406	108	7	examine	examine	VERB
fsr-3406	108	8	different	different	ADJ
fsr-3406	108	9	aspects	aspect	NOUN
fsr-3406	108	10	of	of	ADP
fsr-3406	108	11	financial	financial	ADJ
fsr-3406	108	12	distress	distress	NOUN
fsr-3406	108	13	and	and	CCONJ
fsr-3406	108	14	the	the	DET
fsr-3406	108	15	impact	impact	NOUN
fsr-3406	108	16	on	on	ADP
fsr-3406	108	17	behavior	behavior	NOUN
fsr-3406	108	18	,	,	PUNCT
fsr-3406	108	19	in	in	ADP
fsr-3406	108	20	addition	addition	NOUN
fsr-3406	108	21	to	to	ADP
fsr-3406	108	22	financial	financial	ADJ
fsr-3406	108	23	literacy	literacy	NOUN
fsr-3406	108	24	on	on	ADP
fsr-3406	108	25	financial	financial	ADJ
fsr-3406	108	26	outcomes	outcome	NOUN
fsr-3406	108	27	,	,	PUNCT
fsr-3406	108	28	prior	prior	ADJ
fsr-3406	108	29	research	research	NOUN
fsr-3406	108	30	has	have	AUX
fsr-3406	108	31	not	not	PART
fsr-3406	108	32	studied	study	VERB
fsr-3406	108	33	the	the	DET
fsr-3406	108	34	effect	effect	NOUN
fsr-3406	108	35	of	of	ADP
fsr-3406	108	36	financial	financial	ADJ
fsr-3406	108	37	literacy	literacy	NOUN
fsr-3406	108	38	and	and	CCONJ
fsr-3406	108	39	behavior	behavior	NOUN
fsr-3406	108	40	while	while	SCONJ
fsr-3406	108	41	focusing	focus	VERB
fsr-3406	108	42	specifically	specifically	ADV
fsr-3406	108	43	on	on	ADP
fsr-3406	108	44	financial	financial	ADJ
fsr-3406	108	45	distress	distress	NOUN
fsr-3406	108	46	—	—	PUNCT
fsr-3406	108	47	be	be	AUX
fsr-3406	108	48	it	it	PRON
fsr-3406	108	49	mild	mild	ADJ
fsr-3406	108	50	or	or	CCONJ
fsr-3406	108	51	extreme	extreme	ADJ
fsr-3406	108	52	.	.	PUNCT
fsr-3406	109	1	therefore	therefore	ADV
fsr-3406	109	2	,	,	PUNCT
fsr-3406	109	3	this	this	DET
fsr-3406	109	4	piece	piece	NOUN
fsr-3406	109	5	of	of	ADP
fsr-3406	109	6	research	research	NOUN
fsr-3406	109	7	,	,	PUNCT
fsr-3406	109	8	which	which	PRON
fsr-3406	109	9	uses	use	VERB
fsr-3406	109	10	a	a	DET
fsr-3406	109	11	nationally	nationally	ADV
fsr-3406	109	12	representative	representative	ADJ
fsr-3406	109	13	dataset	dataset	NOUN
fsr-3406	109	14	from	from	ADP
fsr-3406	109	15	finra	finra	PROPN
fsr-3406	109	16	(	(	PUNCT
fsr-3406	109	17	2015	2015	NUM
fsr-3406	109	18	)	)	PUNCT
fsr-3406	109	19	,	,	PUNCT
fsr-3406	109	20	aims	aim	VERB
fsr-3406	109	21	to	to	PART
fsr-3406	109	22	provide	provide	VERB
fsr-3406	109	23	insight	insight	NOUN
fsr-3406	109	24	into	into	ADP
fsr-3406	109	25	the	the	DET
fsr-3406	109	26	fundamental	fundamental	ADJ
fsr-3406	109	27	causes	cause	NOUN
fsr-3406	109	28	of	of	ADP
fsr-3406	109	29	financial	financial	ADJ
fsr-3406	109	30	distress	distress	NOUN
fsr-3406	109	31	.	.	PUNCT
fsr-3406	110	1	396	396	NUM
fsr-3406	110	2	j.k	j.k	PROPN
fsr-3406	110	3	.	.	PROPN
fsr-3406	110	4	scott	scott	PROPN
fsr-3406	110	5	et	et	PROPN
fsr-3406	110	6	al	al	PROPN
fsr-3406	110	7	.	.	PUNCT
fsr-3406	110	8	/	/	SYM
fsr-3406	110	9	financial	financial	ADJ
fsr-3406	110	10	services	service	NOUN
fsr-3406	110	11	review	review	VERB
fsr-3406	110	12	27	27	NUM
fsr-3406	110	13	(	(	PUNCT
fsr-3406	110	14	2018	2018	NUM
fsr-3406	110	15	)	)	PUNCT
fsr-3406	110	16	391	391	NUM
fsr-3406	110	17	-	-	SYM
fsr-3406	110	18	411	411	NUM
fsr-3406	110	19	3	3	NUM
fsr-3406	110	20	.	.	PUNCT
fsr-3406	111	1	data	datum	NOUN
fsr-3406	111	2	we	we	PRON
fsr-3406	111	3	use	use	VERB
fsr-3406	111	4	the	the	DET
fsr-3406	111	5	2015	2015	NUM
fsr-3406	111	6	national	national	ADJ
fsr-3406	111	7	financial	financial	ADJ
fsr-3406	111	8	capability	capability	NOUN
fsr-3406	111	9	study	study	NOUN
fsr-3406	111	10	(	(	PUNCT
fsr-3406	111	11	nfcs	nfcs	PROPN
fsr-3406	111	12	)	)	PUNCT
fsr-3406	111	13	,	,	PUNCT
fsr-3406	111	14	a	a	DET
fsr-3406	111	15	state	state	NOUN
fsr-3406	111	16	-	-	PUNCT
fsr-3406	111	17	by	by	ADP
fsr-3406	111	18	-	-	PUNCT
fsr-3406	111	19	state	state	NOUN
fsr-3406	111	20	online	online	ADJ
fsr-3406	111	21	survey	survey	NOUN
fsr-3406	111	22	of	of	ADP
fsr-3406	111	23	27,564	27,564	NUM
fsr-3406	111	24	(	(	PUNCT
fsr-3406	111	25	2015	2015	NUM
fsr-3406	111	26	)	)	PUNCT
fsr-3406	111	27	respondents	respondent	NOUN
fsr-3406	111	28	.	.	PUNCT
fsr-3406	112	1	survey	survey	NOUN
fsr-3406	112	2	respondents	respondent	NOUN
fsr-3406	112	3	are	be	AUX
fsr-3406	112	4	age	age	NOUN
fsr-3406	112	5	18	18	NUM
fsr-3406	112	6	years	year	NOUN
fsr-3406	112	7	or	or	CCONJ
fsr-3406	112	8	older	old	ADJ
fsr-3406	112	9	,	,	PUNCT
fsr-3406	112	10	with	with	ADP
fsr-3406	112	11	approximately	approximately	ADV
fsr-3406	112	12	500	500	NUM
fsr-3406	112	13	interviewed	interview	VERB
fsr-3406	112	14	in	in	ADP
fsr-3406	112	15	each	each	PRON
fsr-3406	112	16	of	of	ADP
fsr-3406	112	17	the	the	DET
fsr-3406	112	18	50	50	NUM
fsr-3406	112	19	states	state	NOUN
fsr-3406	112	20	plus	plus	CCONJ
fsr-3406	112	21	the	the	DET
fsr-3406	112	22	district	district	NOUN
fsr-3406	112	23	of	of	ADP
fsr-3406	112	24	columbia	columbia	PROPN
fsr-3406	112	25	.	.	PUNCT
fsr-3406	113	1	the	the	DET
fsr-3406	113	2	survey	survey	NOUN
fsr-3406	113	3	is	be	AUX
fsr-3406	113	4	dedicated	dedicate	VERB
fsr-3406	113	5	to	to	ADP
fsr-3406	113	6	delving	delve	VERB
fsr-3406	113	7	deeper	deeply	ADV
fsr-3406	113	8	into	into	ADP
fsr-3406	113	9	individual	individual	ADJ
fsr-3406	113	10	financial	financial	ADJ
fsr-3406	113	11	capability	capability	NOUN
fsr-3406	113	12	.	.	PUNCT
fsr-3406	114	1	most	most	ADJ
fsr-3406	114	2	survey	survey	NOUN
fsr-3406	114	3	questions	question	NOUN
fsr-3406	114	4	focus	focus	VERB
fsr-3406	114	5	on	on	ADP
fsr-3406	114	6	eight	eight	NUM
fsr-3406	114	7	financial	financial	ADJ
fsr-3406	114	8	themes	theme	NOUN
fsr-3406	114	9	.	.	PUNCT
fsr-3406	115	1	the	the	DET
fsr-3406	115	2	first	first	ADJ
fsr-3406	115	3	section	section	NOUN
fsr-3406	115	4	includes	include	VERB
fsr-3406	115	5	habits	habit	NOUN
fsr-3406	115	6	and	and	CCONJ
fsr-3406	115	7	attitudes	attitude	NOUN
fsr-3406	115	8	in	in	ADP
fsr-3406	115	9	managing	manage	VERB
fsr-3406	115	10	the	the	DET
fsr-3406	115	11	family	family	NOUN
fsr-3406	115	12	budget	budget	NOUN
fsr-3406	115	13	as	as	ADV
fsr-3406	115	14	well	well	ADV
fsr-3406	115	15	as	as	ADP
fsr-3406	115	16	willingness	willingness	NOUN
fsr-3406	115	17	to	to	PART
fsr-3406	115	18	accept	accept	VERB
fsr-3406	115	19	risk	risk	NOUN
fsr-3406	115	20	,	,	PUNCT
fsr-3406	115	21	household	household	NOUN
fsr-3406	115	22	spending	spending	NOUN
fsr-3406	115	23	,	,	PUNCT
fsr-3406	115	24	saving	save	VERB
fsr-3406	115	25	for	for	ADP
fsr-3406	115	26	a	a	DET
fsr-3406	115	27	“	"	PUNCT
fsr-3406	115	28	rainy	rainy	ADJ
fsr-3406	115	29	day	day	NOUN
fsr-3406	115	30	,	,	PUNCT
fsr-3406	115	31	”	"	PUNCT
fsr-3406	115	32	amassing	amass	VERB
fsr-3406	115	33	savings	saving	NOUN
fsr-3406	115	34	for	for	ADP
fsr-3406	115	35	retirement	retirement	NOUN
fsr-3406	115	36	or	or	CCONJ
fsr-3406	115	37	college	college	NOUN
fsr-3406	115	38	education	education	NOUN
fsr-3406	115	39	,	,	PUNCT
fsr-3406	115	40	and	and	CCONJ
fsr-3406	115	41	whether	whether	SCONJ
fsr-3406	115	42	a	a	DET
fsr-3406	115	43	significant	significant	ADJ
fsr-3406	115	44	drop	drop	NOUN
fsr-3406	115	45	in	in	ADP
fsr-3406	115	46	income	income	NOUN
fsr-3406	115	47	was	be	AUX
fsr-3406	115	48	experienced	experience	VERB
fsr-3406	115	49	in	in	ADP
fsr-3406	115	50	the	the	DET
fsr-3406	115	51	last	last	ADJ
fsr-3406	115	52	year	year	NOUN
fsr-3406	115	53	.	.	PUNCT
fsr-3406	116	1	the	the	DET
fsr-3406	116	2	second	second	ADJ
fsr-3406	116	3	section	section	NOUN
fsr-3406	116	4	refers	refer	VERB
fsr-3406	116	5	to	to	ADP
fsr-3406	116	6	the	the	DET
fsr-3406	116	7	use	use	NOUN
fsr-3406	116	8	of	of	ADP
fsr-3406	116	9	financial	financial	ADJ
fsr-3406	116	10	advice	advice	NOUN
fsr-3406	116	11	related	relate	VERB
fsr-3406	116	12	to	to	ADP
fsr-3406	116	13	debt	debt	NOUN
fsr-3406	116	14	,	,	PUNCT
fsr-3406	116	15	saving	saving	NOUN
fsr-3406	116	16	,	,	PUNCT
fsr-3406	116	17	investing	investing	NOUN
fsr-3406	116	18	,	,	PUNCT
fsr-3406	116	19	insurance	insurance	NOUN
fsr-3406	116	20	,	,	PUNCT
fsr-3406	116	21	and	and	CCONJ
fsr-3406	116	22	tax	tax	NOUN
fsr-3406	116	23	planning	planning	NOUN
fsr-3406	116	24	.	.	PUNCT
fsr-3406	117	1	the	the	DET
fsr-3406	117	2	third	third	ADJ
fsr-3406	117	3	part	part	NOUN
fsr-3406	117	4	is	be	AUX
fsr-3406	117	5	devoted	devote	VERB
fsr-3406	117	6	mainly	mainly	ADV
fsr-3406	117	7	to	to	ADP
fsr-3406	117	8	banks	bank	NOUN
fsr-3406	117	9	and	and	CCONJ
fsr-3406	117	10	financial	financial	ADJ
fsr-3406	117	11	issues	issue	NOUN
fsr-3406	117	12	.	.	PUNCT
fsr-3406	118	1	the	the	DET
fsr-3406	118	2	fourth	fourth	ADJ
fsr-3406	118	3	section	section	NOUN
fsr-3406	118	4	focuses	focus	VERB
fsr-3406	118	5	on	on	ADP
fsr-3406	118	6	retirement	retirement	NOUN
fsr-3406	118	7	accounts	account	NOUN
fsr-3406	118	8	and	and	CCONJ
fsr-3406	118	9	pensions	pension	NOUN
fsr-3406	118	10	.	.	PUNCT
fsr-3406	119	1	the	the	DET
fsr-3406	119	2	fifth	fifth	ADJ
fsr-3406	119	3	section	section	NOUN
fsr-3406	119	4	primarily	primarily	ADV
fsr-3406	119	5	surveys	survey	NOUN
fsr-3406	119	6	homeownership	homeownership	NOUN
fsr-3406	119	7	,	,	PUNCT
fsr-3406	119	8	specifically	specifically	ADV
fsr-3406	119	9	monthly	monthly	ADJ
fsr-3406	119	10	mortgage	mortgage	NOUN
fsr-3406	119	11	payments	payment	NOUN
fsr-3406	119	12	,	,	PUNCT
fsr-3406	119	13	and	and	CCONJ
fsr-3406	119	14	any	any	DET
fsr-3406	119	15	experience	experience	NOUN
fsr-3406	119	16	with	with	ADP
fsr-3406	119	17	debt	debt	NOUN
fsr-3406	119	18	or	or	CCONJ
fsr-3406	119	19	foreclosure	foreclosure	NOUN
fsr-3406	119	20	.	.	PUNCT
fsr-3406	120	1	the	the	DET
fsr-3406	120	2	sixth	sixth	ADJ
fsr-3406	120	3	section	section	NOUN
fsr-3406	120	4	focuses	focus	VERB
fsr-3406	120	5	on	on	ADP
fsr-3406	120	6	the	the	DET
fsr-3406	120	7	use	use	NOUN
fsr-3406	120	8	of	of	ADP
fsr-3406	120	9	credit	credit	NOUN
fsr-3406	120	10	cards	card	NOUN
fsr-3406	120	11	,	,	PUNCT
fsr-3406	120	12	and	and	CCONJ
fsr-3406	120	13	the	the	DET
fsr-3406	120	14	seventh	seventh	ADJ
fsr-3406	120	15	addresses	address	NOUN
fsr-3406	120	16	consumer	consumer	NOUN
fsr-3406	120	17	loans	loan	NOUN
fsr-3406	120	18	.	.	PUNCT
fsr-3406	121	1	the	the	DET
fsr-3406	121	2	eighth	eighth	ADJ
fsr-3406	121	3	section	section	NOUN
fsr-3406	121	4	covers	cover	VERB
fsr-3406	121	5	insurance	insurance	NOUN
fsr-3406	121	6	.	.	PUNCT
fsr-3406	122	1	in	in	ADP
fsr-3406	122	2	this	this	DET
fsr-3406	122	3	paper	paper	NOUN
fsr-3406	122	4	,	,	PUNCT
fsr-3406	122	5	several	several	ADJ
fsr-3406	122	6	sections	section	NOUN
fsr-3406	122	7	of	of	ADP
fsr-3406	122	8	the	the	DET
fsr-3406	122	9	survey	survey	NOUN
fsr-3406	122	10	are	be	AUX
fsr-3406	122	11	used	use	VERB
fsr-3406	122	12	to	to	PART
fsr-3406	122	13	investigate	investigate	VERB
fsr-3406	122	14	our	our	PRON
fsr-3406	122	15	research	research	NOUN
fsr-3406	122	16	question	question	NOUN
fsr-3406	122	17	.	.	PUNCT
fsr-3406	123	1	the	the	DET
fsr-3406	123	2	survey	survey	NOUN
fsr-3406	123	3	also	also	ADV
fsr-3406	123	4	includes	include	VERB
fsr-3406	123	5	a	a	DET
fsr-3406	123	6	group	group	NOUN
fsr-3406	123	7	of	of	ADP
fsr-3406	123	8	questions	question	NOUN
fsr-3406	123	9	designed	design	VERB
fsr-3406	123	10	to	to	PART
fsr-3406	123	11	probe	probe	VERB
fsr-3406	123	12	respondents	respondent	NOUN
fsr-3406	123	13	’	'	PUNCT
fsr-3406	123	14	financial	financial	ADJ
fsr-3406	123	15	knowledge	knowledge	NOUN
fsr-3406	123	16	.	.	PUNCT
fsr-3406	124	1	the	the	DET
fsr-3406	124	2	study	study	NOUN
fsr-3406	124	3	includes	include	VERB
fsr-3406	124	4	a	a	DET
fsr-3406	124	5	set	set	NOUN
fsr-3406	124	6	of	of	ADP
fsr-3406	124	7	socioeconomic	socioeconomic	ADJ
fsr-3406	124	8	questions	question	NOUN
fsr-3406	124	9	about	about	ADP
fsr-3406	124	10	gender	gender	NOUN
fsr-3406	124	11	,	,	PUNCT
fsr-3406	124	12	age	age	NOUN
fsr-3406	124	13	,	,	PUNCT
fsr-3406	124	14	race	race	NOUN
fsr-3406	124	15	,	,	PUNCT
fsr-3406	124	16	living	living	NOUN
fsr-3406	124	17	region	region	NOUN
fsr-3406	124	18	,	,	PUNCT
fsr-3406	124	19	education	education	NOUN
fsr-3406	124	20	,	,	PUNCT
fsr-3406	124	21	marital	marital	ADJ
fsr-3406	124	22	status	status	NOUN
fsr-3406	124	23	,	,	PUNCT
fsr-3406	124	24	living	living	NOUN
fsr-3406	124	25	arrangements	arrangement	NOUN
fsr-3406	124	26	,	,	PUNCT
fsr-3406	124	27	income	income	NOUN
fsr-3406	124	28	,	,	PUNCT
fsr-3406	124	29	employment	employment	NOUN
fsr-3406	124	30	status	status	NOUN
fsr-3406	124	31	,	,	PUNCT
fsr-3406	124	32	the	the	DET
fsr-3406	124	33	number	number	NOUN
fsr-3406	124	34	of	of	ADP
fsr-3406	124	35	dependent	dependent	ADJ
fsr-3406	124	36	children	child	NOUN
fsr-3406	124	37	,	,	PUNCT
fsr-3406	124	38	and	and	CCONJ
fsr-3406	124	39	the	the	DET
fsr-3406	124	40	most	most	ADV
fsr-3406	124	41	knowledgeable	knowledgeable	ADJ
fsr-3406	124	42	household	household	NOUN
fsr-3406	124	43	member	member	NOUN
fsr-3406	124	44	when	when	SCONJ
fsr-3406	124	45	it	it	PRON
fsr-3406	124	46	comes	come	VERB
fsr-3406	124	47	to	to	ADP
fsr-3406	124	48	financial	financial	ADJ
fsr-3406	124	49	concepts	concept	NOUN
fsr-3406	124	50	.	.	PUNCT
fsr-3406	125	1	the	the	DET
fsr-3406	125	2	purpose	purpose	NOUN
fsr-3406	125	3	of	of	ADP
fsr-3406	125	4	this	this	DET
fsr-3406	125	5	paper	paper	NOUN
fsr-3406	125	6	is	be	AUX
fsr-3406	125	7	to	to	PART
fsr-3406	125	8	identify	identify	VERB
fsr-3406	125	9	the	the	DET
fsr-3406	125	10	main	main	ADJ
fsr-3406	125	11	factors	factor	NOUN
fsr-3406	125	12	that	that	PRON
fsr-3406	125	13	might	might	AUX
fsr-3406	125	14	drive	drive	VERB
fsr-3406	125	15	an	an	DET
fsr-3406	125	16	individual	individual	NOUN
fsr-3406	125	17	into	into	ADP
fsr-3406	125	18	financial	financial	ADJ
fsr-3406	125	19	distress	distress	NOUN
fsr-3406	125	20	.	.	PUNCT
fsr-3406	126	1	financial	financial	ADJ
fsr-3406	126	2	literacy	literacy	NOUN
fsr-3406	126	3	is	be	AUX
fsr-3406	126	4	an	an	DET
fsr-3406	126	5	input	input	NOUN
fsr-3406	126	6	that	that	PRON
fsr-3406	126	7	contributes	contribute	VERB
fsr-3406	126	8	to	to	ADP
fsr-3406	126	9	better	well	ADJ
fsr-3406	126	10	financial	financial	ADJ
fsr-3406	126	11	behavior	behavior	NOUN
fsr-3406	126	12	and	and	CCONJ
fsr-3406	126	13	this	this	PRON
fsr-3406	126	14	should	should	AUX
fsr-3406	126	15	reduce	reduce	VERB
fsr-3406	126	16	the	the	DET
fsr-3406	126	17	probability	probability	NOUN
fsr-3406	126	18	of	of	ADP
fsr-3406	126	19	falling	fall	VERB
fsr-3406	126	20	into	into	ADP
fsr-3406	126	21	a	a	DET
fsr-3406	126	22	circumstance	circumstance	NOUN
fsr-3406	126	23	of	of	ADP
fsr-3406	126	24	financial	financial	ADJ
fsr-3406	126	25	distress	distress	NOUN
fsr-3406	126	26	.	.	PUNCT
fsr-3406	127	1	our	our	PRON
fsr-3406	127	2	empirical	empirical	ADJ
fsr-3406	127	3	specification	specification	NOUN
fsr-3406	127	4	,	,	PUNCT
fsr-3406	127	5	detailed	detail	VERB
fsr-3406	127	6	in	in	ADP
fsr-3406	127	7	the	the	DET
fsr-3406	127	8	next	next	ADJ
fsr-3406	127	9	section	section	NOUN
fsr-3406	127	10	of	of	ADP
fsr-3406	127	11	the	the	DET
fsr-3406	127	12	paper	paper	NOUN
fsr-3406	127	13	,	,	PUNCT
fsr-3406	127	14	has	have	VERB
fsr-3406	127	15	both	both	CCONJ
fsr-3406	127	16	financial	financial	ADJ
fsr-3406	127	17	literacy	literacy	NOUN
fsr-3406	127	18	and	and	CCONJ
fsr-3406	127	19	financial	financial	ADJ
fsr-3406	127	20	behavior	behavior	NOUN
fsr-3406	127	21	as	as	ADP
fsr-3406	127	22	two	two	NUM
fsr-3406	127	23	different	different	ADJ
fsr-3406	127	24	explanatory	explanatory	ADJ
fsr-3406	127	25	variables	variable	NOUN
fsr-3406	127	26	.	.	PUNCT
fsr-3406	128	1	we	we	PRON
fsr-3406	128	2	consider	consider	VERB
fsr-3406	128	3	three	three	NUM
fsr-3406	128	4	measures	measure	NOUN
fsr-3406	128	5	of	of	ADP
fsr-3406	128	6	financial	financial	ADJ
fsr-3406	128	7	distress	distress	NOUN
fsr-3406	128	8	in	in	ADP
fsr-3406	128	9	this	this	DET
fsr-3406	128	10	research	research	NOUN
fsr-3406	128	11	:	:	PUNCT
fsr-3406	128	12	having	have	VERB
fsr-3406	128	13	trouble	trouble	NOUN
fsr-3406	128	14	in	in	ADP
fsr-3406	128	15	servicing	service	VERB
fsr-3406	128	16	lifestyle	lifestyle	NOUN
fsr-3406	128	17	needs	need	NOUN
fsr-3406	128	18	,	,	PUNCT
fsr-3406	128	19	worrying	worry	VERB
fsr-3406	128	20	about	about	ADP
fsr-3406	128	21	retirement	retirement	NOUN
fsr-3406	128	22	,	,	PUNCT
fsr-3406	128	23	and	and	CCONJ
fsr-3406	128	24	being	be	AUX
fsr-3406	128	25	late	late	ADJ
fsr-3406	128	26	with	with	ADP
fsr-3406	128	27	mortgage	mortgage	NOUN
fsr-3406	128	28	payments	payment	NOUN
fsr-3406	128	29	.	.	PUNCT
fsr-3406	129	1	the	the	DET
fsr-3406	129	2	perception	perception	NOUN
fsr-3406	129	3	of	of	ADP
fsr-3406	129	4	financial	financial	ADJ
fsr-3406	129	5	knowledge	knowledge	NOUN
fsr-3406	129	6	and	and	CCONJ
fsr-3406	129	7	behavior	behavior	NOUN
fsr-3406	129	8	in	in	ADP
fsr-3406	129	9	this	this	DET
fsr-3406	129	10	paper	paper	NOUN
fsr-3406	129	11	is	be	AUX
fsr-3406	129	12	consistent	consistent	ADJ
fsr-3406	129	13	with	with	ADP
fsr-3406	129	14	the	the	DET
fsr-3406	129	15	definition	definition	NOUN
fsr-3406	129	16	of	of	ADP
fsr-3406	129	17	financial	financial	ADJ
fsr-3406	129	18	literacy	literacy	NOUN
fsr-3406	129	19	proposed	propose	VERB
fsr-3406	129	20	by	by	ADP
fsr-3406	129	21	hung	hung	PROPN
fsr-3406	129	22	et	et	PROPN
fsr-3406	129	23	al	al	PROPN
fsr-3406	129	24	.	.	PROPN
fsr-3406	130	1	(	(	PUNCT
fsr-3406	130	2	2009	2009	NUM
fsr-3406	130	3	)	)	PUNCT
fsr-3406	130	4	.	.	PUNCT
fsr-3406	131	1	3.1	3.1	NUM
fsr-3406	131	2	.	.	PUNCT
fsr-3406	131	3	financial	financial	ADJ
fsr-3406	131	4	distress	distress	NOUN
fsr-3406	131	5	measure	measure	NOUN
fsr-3406	131	6	consistent	consistent	ADJ
fsr-3406	131	7	with	with	ADP
fsr-3406	131	8	the	the	DET
fsr-3406	131	9	definitions	definition	NOUN
fsr-3406	131	10	of	of	ADP
fsr-3406	131	11	financial	financial	ADJ
fsr-3406	131	12	distress	distress	NOUN
fsr-3406	131	13	reviewed	review	VERB
fsr-3406	131	14	,	,	PUNCT
fsr-3406	131	15	we	we	PRON
fsr-3406	131	16	examine	examine	VERB
fsr-3406	131	17	difficulty	difficulty	NOUN
fsr-3406	131	18	in	in	ADP
fsr-3406	131	19	paying	pay	VERB
fsr-3406	131	20	bills	bill	NOUN
fsr-3406	131	21	,	,	PUNCT
fsr-3406	131	22	worrying	worry	VERB
fsr-3406	131	23	about	about	ADP
fsr-3406	131	24	retirement	retirement	NOUN
fsr-3406	131	25	saving	saving	NOUN
fsr-3406	131	26	and	and	CCONJ
fsr-3406	131	27	being	be	AUX
fsr-3406	131	28	late	late	ADJ
fsr-3406	131	29	with	with	ADP
fsr-3406	131	30	a	a	DET
fsr-3406	131	31	mortgage	mortgage	NOUN
fsr-3406	131	32	payment	payment	NOUN
fsr-3406	131	33	.	.	PUNCT
fsr-3406	132	1	experiencing	experience	VERB
fsr-3406	132	2	financial	financial	ADJ
fsr-3406	132	3	distress	distress	NOUN
fsr-3406	132	4	is	be	AUX
fsr-3406	132	5	based	base	VERB
fsr-3406	132	6	on	on	ADP
fsr-3406	132	7	the	the	DET
fsr-3406	132	8	responses	response	NOUN
fsr-3406	132	9	to	to	ADP
fsr-3406	132	10	the	the	DET
fsr-3406	132	11	following	follow	VERB
fsr-3406	132	12	questions	question	NOUN
fsr-3406	132	13	:	:	PUNCT
fsr-3406	133	1	1	1	X
fsr-3406	133	2	.	.	X
fsr-3406	133	3	in	in	ADP
fsr-3406	133	4	a	a	DET
fsr-3406	133	5	typical	typical	ADJ
fsr-3406	133	6	month	month	NOUN
fsr-3406	133	7	,	,	PUNCT
fsr-3406	133	8	how	how	SCONJ
fsr-3406	133	9	difficult	difficult	ADJ
fsr-3406	133	10	is	be	AUX
fsr-3406	133	11	it	it	PRON
fsr-3406	133	12	for	for	SCONJ
fsr-3406	133	13	you	you	PRON
fsr-3406	133	14	to	to	PART
fsr-3406	133	15	cover	cover	VERB
fsr-3406	133	16	your	your	PRON
fsr-3406	133	17	expenses	expense	NOUN
fsr-3406	133	18	and	and	CCONJ
fsr-3406	133	19	pay	pay	VERB
fsr-3406	133	20	all	all	DET
fsr-3406	133	21	your	your	PRON
fsr-3406	133	22	bills	bill	NOUN
fsr-3406	133	23	?	?	PUNCT
fsr-3406	134	1	(	(	PUNCT
fsr-3406	134	2	a	a	X
fsr-3406	134	3	)	)	PUNCT
fsr-3406	134	4	very	very	ADV
fsr-3406	134	5	difficult	difficult	ADJ
fsr-3406	134	6	*	*	ADP
fsr-3406	134	7	;	;	PUNCT
fsr-3406	134	8	(	(	PUNCT
fsr-3406	134	9	b	b	X
fsr-3406	134	10	)	)	PUNCT
fsr-3406	134	11	somewhat	somewhat	ADV
fsr-3406	134	12	difficult	difficult	ADJ
fsr-3406	134	13	*	*	ADP
fsr-3406	134	14	;	;	PUNCT
fsr-3406	134	15	(	(	PUNCT
fsr-3406	134	16	c	c	X
fsr-3406	134	17	)	)	PUNCT
fsr-3406	134	18	not	not	PART
fsr-3406	134	19	at	at	ADV
fsr-3406	134	20	all	all	ADV
fsr-3406	134	21	difficult	difficult	ADJ
fsr-3406	134	22	;	;	PUNCT
fsr-3406	134	23	(	(	PUNCT
fsr-3406	134	24	d	d	X
fsr-3406	134	25	)	)	PUNCT
fsr-3406	134	26	do	do	AUX
fsr-3406	134	27	n’t	not	PART
fsr-3406	134	28	know	know	VERB
fsr-3406	134	29	;	;	PUNCT
fsr-3406	134	30	(	(	PUNCT
fsr-3406	134	31	e	e	X
fsr-3406	134	32	)	)	PUNCT
fsr-3406	134	33	prefer	prefer	VERB
fsr-3406	134	34	not	not	PART
fsr-3406	134	35	to	to	PART
fsr-3406	134	36	say	say	VERB
fsr-3406	134	37	.	.	PUNCT
fsr-3406	135	1	2	2	X
fsr-3406	135	2	.	.	X
fsr-3406	135	3	how	how	SCONJ
fsr-3406	135	4	strongly	strongly	ADV
fsr-3406	135	5	do	do	AUX
fsr-3406	135	6	you	you	PRON
fsr-3406	135	7	agree	agree	VERB
fsr-3406	135	8	or	or	CCONJ
fsr-3406	135	9	disagree	disagree	VERB
fsr-3406	135	10	with	with	ADP
fsr-3406	135	11	the	the	DET
fsr-3406	135	12	following	follow	VERB
fsr-3406	135	13	statements	statement	NOUN
fsr-3406	135	14	—	—	PUNCT
fsr-3406	135	15	i	i	PRON
fsr-3406	135	16	worry	worry	VERB
fsr-3406	135	17	about	about	ADP
fsr-3406	135	18	running	run	VERB
fsr-3406	135	19	out	out	ADP
fsr-3406	135	20	of	of	ADP
fsr-3406	135	21	money	money	NOUN
fsr-3406	135	22	in	in	ADP
fsr-3406	135	23	retirement	retirement	NOUN
fsr-3406	135	24	?	?	PUNCT
fsr-3406	136	1	(	(	PUNCT
fsr-3406	136	2	a	a	X
fsr-3406	136	3	)	)	PUNCT
fsr-3406	136	4	disagree	disagree	VERB
fsr-3406	136	5	1–3	1–3	NUM
fsr-3406	136	6	;	;	PUNCT
fsr-3406	136	7	(	(	PUNCT
fsr-3406	136	8	b	b	X
fsr-3406	136	9	)	)	PUNCT
fsr-3406	136	10	neutral	neutral	ADJ
fsr-3406	136	11	4	4	NUM
fsr-3406	136	12	;	;	PUNCT
fsr-3406	136	13	(	(	PUNCT
fsr-3406	136	14	c	c	X
fsr-3406	136	15	)	)	PUNCT
fsr-3406	136	16	agree	agree	VERB
fsr-3406	136	17	5–7	5–7	NUM
fsr-3406	136	18	;	;	PUNCT
fsr-3406	136	19	(	(	PUNCT
fsr-3406	136	20	d	d	X
fsr-3406	136	21	)	)	PUNCT
fsr-3406	136	22	do	do	AUX
fsr-3406	136	23	n’t	not	PART
fsr-3406	136	24	know	know	VERB
fsr-3406	136	25	;	;	PUNCT
fsr-3406	136	26	(	(	PUNCT
fsr-3406	136	27	e	e	X
fsr-3406	136	28	)	)	PUNCT
fsr-3406	136	29	prefer	prefer	VERB
fsr-3406	136	30	not	not	PART
fsr-3406	136	31	to	to	PART
fsr-3406	136	32	say	say	VERB
fsr-3406	136	33	.	.	PUNCT
fsr-3406	137	1	397j.k	397j.k	X
fsr-3406	137	2	.	.	PUNCT
fsr-3406	138	1	scott	scott	PROPN
fsr-3406	138	2	et	et	PROPN
fsr-3406	138	3	al	al	PROPN
fsr-3406	138	4	.	.	PUNCT
fsr-3406	138	5	/	/	SYM
fsr-3406	138	6	financial	financial	ADJ
fsr-3406	138	7	services	service	NOUN
fsr-3406	138	8	review	review	VERB
fsr-3406	138	9	27	27	NUM
fsr-3406	138	10	(	(	PUNCT
fsr-3406	138	11	2018	2018	NUM
fsr-3406	138	12	)	)	PUNCT
fsr-3406	138	13	391	391	NUM
fsr-3406	138	14	-	-	SYM
fsr-3406	138	15	411	411	NUM
fsr-3406	138	16	3	3	NUM
fsr-3406	138	17	.	.	PUNCT
fsr-3406	139	1	how	how	SCONJ
fsr-3406	139	2	many	many	ADJ
fsr-3406	139	3	times	time	NOUN
fsr-3406	139	4	have	have	AUX
fsr-3406	139	5	you	you	PRON
fsr-3406	139	6	been	be	AUX
fsr-3406	139	7	late	late	ADJ
fsr-3406	139	8	with	with	ADP
fsr-3406	139	9	your	your	PRON
fsr-3406	139	10	mortgage	mortgage	NOUN
fsr-3406	139	11	payments	payment	NOUN
fsr-3406	139	12	in	in	ADP
fsr-3406	139	13	the	the	DET
fsr-3406	139	14	last	last	ADJ
fsr-3406	139	15	2	2	NUM
fsr-3406	139	16	years	year	NOUN
fsr-3406	139	17	?	?	PUNCT
fsr-3406	140	1	(	(	PUNCT
fsr-3406	140	2	a	a	X
fsr-3406	140	3	)	)	PUNCT
fsr-3406	140	4	never	never	ADV
fsr-3406	140	5	;	;	PUNCT
fsr-3406	140	6	(	(	PUNCT
fsr-3406	140	7	b	b	X
fsr-3406	140	8	)	)	PUNCT
fsr-3406	140	9	once	once	ADV
fsr-3406	140	10	*	*	ADP
fsr-3406	140	11	;	;	PUNCT
fsr-3406	140	12	(	(	PUNCT
fsr-3406	140	13	c	c	X
fsr-3406	140	14	)	)	PUNCT
fsr-3406	140	15	more	more	ADJ
fsr-3406	140	16	than	than	ADP
fsr-3406	140	17	once	once	ADV
fsr-3406	140	18	*	*	ADP
fsr-3406	140	19	;	;	PUNCT
fsr-3406	140	20	(	(	PUNCT
fsr-3406	140	21	d	d	X
fsr-3406	140	22	)	)	PUNCT
fsr-3406	140	23	do	do	AUX
fsr-3406	140	24	n’t	not	PART
fsr-3406	140	25	know	know	VERB
fsr-3406	140	26	;	;	PUNCT
fsr-3406	140	27	(	(	PUNCT
fsr-3406	140	28	e	e	X
fsr-3406	140	29	)	)	PUNCT
fsr-3406	140	30	prefer	prefer	VERB
fsr-3406	140	31	not	not	PART
fsr-3406	140	32	to	to	PART
fsr-3406	140	33	say	say	VERB
fsr-3406	140	34	.	.	PUNCT
fsr-3406	141	1	table	table	NOUN
fsr-3406	141	2	2	2	NUM
fsr-3406	141	3	shows	show	VERB
fsr-3406	141	4	the	the	DET
fsr-3406	141	5	descriptive	descriptive	ADJ
fsr-3406	141	6	statistics	statistic	NOUN
fsr-3406	141	7	for	for	ADP
fsr-3406	141	8	the	the	DET
fsr-3406	141	9	financial	financial	ADJ
fsr-3406	141	10	literacy	literacy	NOUN
fsr-3406	141	11	questions	question	NOUN
fsr-3406	141	12	and	and	CCONJ
fsr-3406	141	13	financial	financial	ADJ
fsr-3406	141	14	distress	distress	NOUN
fsr-3406	141	15	questions	question	NOUN
fsr-3406	141	16	.	.	PUNCT
fsr-3406	142	1	as	as	SCONJ
fsr-3406	142	2	shown	show	VERB
fsr-3406	142	3	in	in	ADP
fsr-3406	142	4	panel	panel	NOUN
fsr-3406	142	5	b	b	PROPN
fsr-3406	142	6	,	,	PUNCT
fsr-3406	142	7	close	close	ADJ
fsr-3406	142	8	to	to	PART
fsr-3406	142	9	50	50	NUM
fsr-3406	142	10	%	%	NOUN
fsr-3406	142	11	of	of	ADP
fsr-3406	142	12	the	the	DET
fsr-3406	142	13	sample	sample	NOUN
fsr-3406	142	14	indicated	indicate	VERB
fsr-3406	142	15	having	have	VERB
fsr-3406	142	16	either	either	CCONJ
fsr-3406	142	17	a	a	DET
fsr-3406	142	18	difficult	difficult	ADJ
fsr-3406	142	19	or	or	CCONJ
fsr-3406	142	20	somewhat	somewhat	ADV
fsr-3406	142	21	difficult	difficult	ADJ
fsr-3406	142	22	time	time	NOUN
fsr-3406	142	23	paying	pay	VERB
fsr-3406	142	24	their	their	PRON
fsr-3406	142	25	bills	bill	NOUN
fsr-3406	142	26	on	on	ADP
fsr-3406	142	27	time	time	NOUN
fsr-3406	142	28	.	.	PUNCT
fsr-3406	143	1	when	when	SCONJ
fsr-3406	143	2	respondents	respondent	NOUN
fsr-3406	143	3	were	be	AUX
fsr-3406	143	4	asked	ask	VERB
fsr-3406	143	5	to	to	PART
fsr-3406	143	6	state	state	VERB
fsr-3406	143	7	their	their	PRON
fsr-3406	143	8	concern	concern	NOUN
fsr-3406	143	9	about	about	ADP
fsr-3406	143	10	running	run	VERB
fsr-3406	143	11	of	of	ADP
fsr-3406	143	12	money	money	NOUN
fsr-3406	143	13	in	in	ADP
fsr-3406	143	14	retirement	retirement	NOUN
fsr-3406	143	15	on	on	ADP
fsr-3406	143	16	a	a	DET
fsr-3406	143	17	seven	seven	NUM
fsr-3406	143	18	-	-	PUNCT
fsr-3406	143	19	point	point	NOUN
fsr-3406	143	20	likert	likert	ADJ
fsr-3406	143	21	scale	scale	NOUN
fsr-3406	143	22	,	,	PUNCT
fsr-3406	143	23	ranging	range	VERB
fsr-3406	143	24	from	from	ADP
fsr-3406	143	25	one	one	NUM
fsr-3406	143	26	,	,	PUNCT
fsr-3406	143	27	strongly	strongly	ADV
fsr-3406	143	28	disagree	disagree	VERB
fsr-3406	143	29	to	to	ADP
fsr-3406	143	30	seven	seven	NUM
fsr-3406	143	31	,	,	PUNCT
fsr-3406	143	32	strongly	strongly	ADV
fsr-3406	143	33	agree	agree	VERB
fsr-3406	143	34	,	,	PUNCT
fsr-3406	143	35	over	over	ADP
fsr-3406	143	36	25	25	NUM
fsr-3406	143	37	%	%	NOUN
fsr-3406	143	38	selected	select	VERB
fsr-3406	143	39	strongly	strongly	ADV
fsr-3406	143	40	agree	agree	VERB
fsr-3406	143	41	.	.	PUNCT
fsr-3406	144	1	overall	overall	ADV
fsr-3406	144	2	close	close	ADV
fsr-3406	144	3	to	to	ADP
fsr-3406	144	4	56	56	NUM
fsr-3406	144	5	%	%	NOUN
fsr-3406	144	6	of	of	ADP
fsr-3406	144	7	respondents	respondent	NOUN
fsr-3406	144	8	indicated	indicate	VERB
fsr-3406	144	9	that	that	SCONJ
fsr-3406	144	10	they	they	PRON
fsr-3406	144	11	are	be	AUX
fsr-3406	144	12	concerned	concerned	ADJ
fsr-3406	144	13	about	about	ADP
fsr-3406	144	14	retirement	retirement	NOUN
fsr-3406	144	15	funding	funding	NOUN
fsr-3406	144	16	.	.	PUNCT
fsr-3406	145	1	when	when	SCONJ
fsr-3406	145	2	asked	ask	VERB
fsr-3406	145	3	about	about	ADP
fsr-3406	145	4	making	make	VERB
fsr-3406	145	5	mortgage	mortgage	NOUN
fsr-3406	145	6	payments	payment	NOUN
fsr-3406	145	7	on	on	ADP
fsr-3406	145	8	time	time	NOUN
fsr-3406	145	9	,	,	PUNCT
fsr-3406	145	10	31	31	NUM
fsr-3406	145	11	%	%	NOUN
fsr-3406	145	12	responded	respond	VERB
fsr-3406	145	13	that	that	SCONJ
fsr-3406	145	14	they	they	PRON
fsr-3406	145	15	had	have	AUX
fsr-3406	145	16	not	not	PART
fsr-3406	145	17	been	be	AUX
fsr-3406	145	18	late	late	ADJ
fsr-3406	145	19	on	on	ADP
fsr-3406	145	20	a	a	DET
fsr-3406	145	21	mortgage	mortgage	NOUN
fsr-3406	145	22	payment	payment	NOUN
fsr-3406	145	23	in	in	ADP
fsr-3406	145	24	the	the	DET
fsr-3406	145	25	last	last	ADJ
fsr-3406	145	26	two	two	NUM
fsr-3406	145	27	years	year	NOUN
fsr-3406	145	28	.	.	PUNCT
fsr-3406	146	1	however	however	ADV
fsr-3406	146	2	,	,	PUNCT
fsr-3406	146	3	this	this	DET
fsr-3406	146	4	question	question	NOUN
fsr-3406	146	5	does	do	AUX
fsr-3406	146	6	have	have	VERB
fsr-3406	146	7	a	a	DET
fsr-3406	146	8	very	very	ADV
fsr-3406	146	9	high	high	ADJ
fsr-3406	146	10	missing	missing	ADJ
fsr-3406	146	11	rate	rate	NOUN
fsr-3406	146	12	(	(	PUNCT
fsr-3406	146	13	63.6	63.6	NUM
fsr-3406	146	14	%	%	NOUN
fsr-3406	146	15	)	)	PUNCT
fsr-3406	146	16	.	.	PUNCT
fsr-3406	147	1	among	among	ADP
fsr-3406	147	2	those	those	PRON
fsr-3406	147	3	who	who	PRON
fsr-3406	147	4	answered	answer	VERB
fsr-3406	147	5	the	the	DET
fsr-3406	147	6	questions	question	NOUN
fsr-3406	147	7	,	,	PUNCT
fsr-3406	147	8	84	84	NUM
fsr-3406	147	9	%	%	NOUN
fsr-3406	147	10	of	of	ADP
fsr-3406	147	11	them	they	PRON
fsr-3406	147	12	did	do	AUX
fsr-3406	147	13	not	not	PART
fsr-3406	147	14	miss	miss	VERB
fsr-3406	147	15	any	any	DET
fsr-3406	147	16	mortgage	mortgage	NOUN
fsr-3406	147	17	payment	payment	NOUN
fsr-3406	147	18	.	.	PUNCT
fsr-3406	148	1	there	there	PRON
fsr-3406	148	2	are	be	VERB
fsr-3406	148	3	,	,	PUNCT
fsr-3406	148	4	however	however	ADV
fsr-3406	148	5	,	,	PUNCT
fsr-3406	148	6	around	around	ADV
fsr-3406	148	7	14	14	NUM
fsr-3406	148	8	%	%	NOUN
fsr-3406	148	9	of	of	ADP
fsr-3406	148	10	those	those	PRON
fsr-3406	148	11	reported	report	VERB
fsr-3406	148	12	that	that	SCONJ
fsr-3406	148	13	they	they	PRON
fsr-3406	148	14	either	either	CCONJ
fsr-3406	148	15	missed	miss	VERB
fsr-3406	148	16	one	one	NUM
fsr-3406	148	17	or	or	CCONJ
fsr-3406	148	18	more	more	ADJ
fsr-3406	148	19	mortgage	mortgage	NOUN
fsr-3406	148	20	payments	payment	NOUN
fsr-3406	148	21	.	.	PUNCT
fsr-3406	149	1	table	table	NOUN
fsr-3406	149	2	2	2	NUM
fsr-3406	149	3	panel	panel	NOUN
fsr-3406	149	4	a	a	DET
fsr-3406	149	5	:	:	PUNCT
fsr-3406	149	6	financial	financial	ADJ
fsr-3406	149	7	literacy	literacy	NOUN
fsr-3406	149	8	questions	question	NOUN
fsr-3406	149	9	variable	variable	ADJ
fsr-3406	149	10	name	name	NOUN
fsr-3406	149	11	correct	correct	ADJ
fsr-3406	149	12	incorrect	incorrect	ADJ
fsr-3406	149	13	do	do	AUX
fsr-3406	149	14	n’t	not	PART
fsr-3406	149	15	know	know	VERB
fsr-3406	149	16	n	n	PRON
fsr-3406	149	17	prob	prob	NOUN
fsr-3406	150	1	n	n	CCONJ
fsr-3406	150	2	prob	prob	NOUN
fsr-3406	150	3	n	n	CCONJ
fsr-3406	150	4	prob	prob	NOUN
fsr-3406	150	5	interest	interest	NOUN
fsr-3406	150	6	rate	rate	NOUN
fsr-3406	150	7	21,234	21,234	NUM
fsr-3406	150	8	77.04	77.04	NUM
fsr-3406	150	9	3,492	3,492	NUM
fsr-3406	150	10	12.67	12.67	NUM
fsr-3406	150	11	2,838	2,838	NUM
fsr-3406	150	12	10.30	10.30	NUM
fsr-3406	150	13	inflation	inflation	NOUN
fsr-3406	150	14	17,101	17,101	NUM
fsr-3406	150	15	62.04	62.04	NUM
fsr-3406	150	16	5,311	5,311	NUM
fsr-3406	150	17	19.27	19.27	NUM
fsr-3406	150	18	5,152	5,152	NUM
fsr-3406	150	19	18.69	18.69	NUM
fsr-3406	150	20	bond	bond	NOUN
fsr-3406	150	21	8,199	8,199	NUM
fsr-3406	150	22	29.75	29.75	NUM
fsr-3406	150	23	9,154	9,154	NUM
fsr-3406	150	24	33.21	33.21	NUM
fsr-3406	150	25	10,211	10,211	NUM
fsr-3406	150	26	37.04	37.04	NUM
fsr-3406	150	27	mortgage	mortgage	NOUN
fsr-3406	150	28	2,1399	2,1399	NOUN
fsr-3406	150	29	77.63	77.63	NUM
fsr-3406	150	30	2,132	2,132	NUM
fsr-3406	150	31	7.73	7.73	NUM
fsr-3406	150	32	4,033	4,033	NUM
fsr-3406	150	33	14.63	14.63	NUM
fsr-3406	150	34	risk	risk	NOUN
fsr-3406	150	35	13,412	13,412	NUM
fsr-3406	150	36	48.66	48.66	NUM
fsr-3406	150	37	2,714	2,714	NUM
fsr-3406	150	38	9.85	9.85	NUM
fsr-3406	150	39	11,438	11,438	NUM
fsr-3406	150	40	41.50	41.50	NUM
fsr-3406	150	41	panel	panel	NOUN
fsr-3406	150	42	b	b	NOUN
fsr-3406	150	43	:	:	PUNCT
fsr-3406	150	44	financial	financial	ADJ
fsr-3406	150	45	distress	distress	NOUN
fsr-3406	150	46	questions	question	NOUN
fsr-3406	150	47	variable	variable	ADJ
fsr-3406	150	48	name	name	NOUN
fsr-3406	150	49	answers	answer	VERB
fsr-3406	150	50	n	n	DET
fsr-3406	150	51	prob	prob	NOUN
fsr-3406	150	52	bill	bill	NOUN
fsr-3406	150	53	paying	pay	VERB
fsr-3406	150	54	do	do	AUX
fsr-3406	150	55	n’t	not	PART
fsr-3406	150	56	know	know	VERB
fsr-3406	150	57	380	380	NUM
fsr-3406	150	58	1.38	1.38	NUM
fsr-3406	150	59	not	not	PART
fsr-3406	150	60	at	at	ADV
fsr-3406	150	61	all	all	ADV
fsr-3406	150	62	difficult	difficult	ADJ
fsr-3406	150	63	13,622	13,622	NUM
fsr-3406	150	64	49.42	49.42	NUM
fsr-3406	150	65	prefer	prefer	VERB
fsr-3406	150	66	not	not	PART
fsr-3406	150	67	to	to	PART
fsr-3406	150	68	say	say	VERB
fsr-3406	150	69	188	188	NUM
fsr-3406	150	70	0.68	0.68	NUM
fsr-3406	150	71	somewhat	somewhat	ADV
fsr-3406	150	72	difficult	difficult	ADJ
fsr-3406	150	73	10,485	10,485	NUM
fsr-3406	150	74	38.04	38.04	NUM
fsr-3406	150	75	very	very	ADV
fsr-3406	150	76	difficult	difficult	ADJ
fsr-3406	150	77	2,889	2,889	NUM
fsr-3406	150	78	10.48	10.48	NUM
fsr-3406	150	79	retirement	retirement	NOUN
fsr-3406	150	80	concern	concern	NOUN
fsr-3406	150	81	strongly	strongly	ADV
fsr-3406	150	82	disagree-1	disagree-1	PROPN
fsr-3406	150	83	2,404	2,404	NUM
fsr-3406	150	84	8.72	8.72	NUM
fsr-3406	150	85	2	2	NUM
fsr-3406	150	86	1,944	1,944	NUM
fsr-3406	150	87	7.05	7.05	NUM
fsr-3406	150	88	3	3	NUM
fsr-3406	150	89	2,079	2,079	NUM
fsr-3406	150	90	7.54	7.54	NUM
fsr-3406	150	91	neutral	neutral	ADJ
fsr-3406	150	92	4,991	4,991	NUM
fsr-3406	150	93	18.11	18.11	NUM
fsr-3406	150	94	5	5	NUM
fsr-3406	150	95	4,160	4,160	NUM
fsr-3406	150	96	15.09	15.09	NUM
fsr-3406	150	97	6	6	NUM
fsr-3406	150	98	4,208	4,208	NUM
fsr-3406	150	99	15.27	15.27	NUM
fsr-3406	150	100	strong	strong	ADJ
fsr-3406	150	101	agree-7	agree-7	CCONJ
fsr-3406	150	102	7,079	7,079	NUM
fsr-3406	150	103	25.68	25.68	NUM
fsr-3406	150	104	do	do	AUX
fsr-3406	150	105	n’t	not	PART
fsr-3406	150	106	know	know	VERB
fsr-3406	150	107	560	560	NUM
fsr-3406	150	108	2.03	2.03	NUM
fsr-3406	150	109	prefer	prefer	VERB
fsr-3406	150	110	not	not	PART
fsr-3406	150	111	to	to	PART
fsr-3406	150	112	say	say	VERB
fsr-3406	150	113	139	139	NUM
fsr-3406	150	114	0.50	0.50	NUM
fsr-3406	150	115	mortgage	mortgage	NOUN
fsr-3406	150	116	late	late	ADJ
fsr-3406	150	117	payment	payment	NOUN
fsr-3406	150	118	do	do	AUX
fsr-3406	150	119	n’t	not	PART
fsr-3406	150	120	know	know	VERB
fsr-3406	150	121	131	131	NUM
fsr-3406	150	122	0.48	0.48	NUM
fsr-3406	150	123	more	more	ADJ
fsr-3406	150	124	than	than	ADP
fsr-3406	150	125	once	once	ADV
fsr-3406	150	126	780	780	NUM
fsr-3406	150	127	2.83	2.83	NUM
fsr-3406	150	128	never	never	ADV
fsr-3406	150	129	8,430	8,430	NUM
fsr-3406	150	130	30.58	30.58	NUM
fsr-3406	150	131	once	once	SCONJ
fsr-3406	150	132	652	652	NUM
fsr-3406	150	133	2.37	2.37	NUM
fsr-3406	150	134	prefer	prefer	VERB
fsr-3406	150	135	not	not	PART
fsr-3406	150	136	to	to	PART
fsr-3406	150	137	say	say	VERB
fsr-3406	150	138	41	41	NUM
fsr-3406	150	139	0.15	0.15	NUM
fsr-3406	150	140	missing	miss	VERB
fsr-3406	150	141	17,530	17,530	NUM
fsr-3406	150	142	63.60	63.60	NUM
fsr-3406	150	143	(	(	PUNCT
fsr-3406	150	144	continued	continue	VERB
fsr-3406	150	145	on	on	ADP
fsr-3406	150	146	next	next	ADJ
fsr-3406	150	147	page	page	NOUN
fsr-3406	150	148	)	)	PUNCT
fsr-3406	150	149	398	398	NUM
fsr-3406	150	150	j.k	j.k	PROPN
fsr-3406	150	151	.	.	PROPN
fsr-3406	150	152	scott	scott	PROPN
fsr-3406	150	153	et	et	PROPN
fsr-3406	150	154	al	al	PROPN
fsr-3406	150	155	.	.	PUNCT
fsr-3406	150	156	/	/	SYM
fsr-3406	150	157	financial	financial	ADJ
fsr-3406	150	158	services	service	NOUN
fsr-3406	150	159	review	review	VERB
fsr-3406	150	160	27	27	NUM
fsr-3406	150	161	(	(	PUNCT
fsr-3406	150	162	2018	2018	NUM
fsr-3406	150	163	)	)	PUNCT
fsr-3406	150	164	391	391	NUM
fsr-3406	150	165	-	-	SYM
fsr-3406	150	166	411	411	NUM
fsr-3406	150	167	3.2	3.2	NUM
fsr-3406	150	168	.	.	PUNCT
fsr-3406	151	1	financial	financial	ADJ
fsr-3406	151	2	literacy	literacy	NOUN
fsr-3406	151	3	measure	measure	NOUN
fsr-3406	151	4	we	we	PRON
fsr-3406	151	5	use	use	VERB
fsr-3406	151	6	a	a	DET
fsr-3406	151	7	set	set	NOUN
fsr-3406	151	8	of	of	ADP
fsr-3406	151	9	five	five	NUM
fsr-3406	151	10	financial	financial	ADJ
fsr-3406	151	11	literacy	literacy	NOUN
fsr-3406	151	12	questions	question	NOUN
fsr-3406	151	13	from	from	ADP
fsr-3406	151	14	the	the	DET
fsr-3406	151	15	nfcs	nfc	NOUN
fsr-3406	151	16	to	to	PART
fsr-3406	151	17	evaluate	evaluate	VERB
fsr-3406	151	18	financial	financial	ADJ
fsr-3406	151	19	knowledge	knowledge	NOUN
fsr-3406	151	20	and	and	CCONJ
fsr-3406	151	21	to	to	PART
fsr-3406	151	22	construct	construct	VERB
fsr-3406	151	23	a	a	DET
fsr-3406	151	24	financial	financial	ADJ
fsr-3406	151	25	literacy	literacy	NOUN
fsr-3406	151	26	measure	measure	NOUN
fsr-3406	151	27	(	(	PUNCT
fsr-3406	151	28	finra	finra	NOUN
fsr-3406	151	29	,	,	PUNCT
fsr-3406	151	30	2015	2015	NUM
fsr-3406	151	31	)	)	PUNCT
fsr-3406	151	32	.	.	PUNCT
fsr-3406	152	1	atkinson	atkinson	PROPN
fsr-3406	152	2	and	and	CCONJ
fsr-3406	152	3	messy	messy	ADJ
fsr-3406	152	4	(	(	PUNCT
fsr-3406	152	5	2012	2012	NUM
fsr-3406	152	6	)	)	PUNCT
fsr-3406	152	7	used	use	VERB
fsr-3406	152	8	this	this	DET
fsr-3406	152	9	approach	approach	NOUN
fsr-3406	152	10	with	with	ADP
fsr-3406	152	11	the	the	DET
fsr-3406	152	12	inclusion	inclusion	NOUN
fsr-3406	152	13	of	of	ADP
fsr-3406	152	14	questions	question	NOUN
fsr-3406	152	15	such	such	ADJ
fsr-3406	152	16	as	as	ADP
fsr-3406	152	17	:	:	PUNCT
fsr-3406	152	18	1	1	X
fsr-3406	152	19	.	.	PUNCT
fsr-3406	152	20	suppose	suppose	VERB
fsr-3406	152	21	you	you	PRON
fsr-3406	152	22	had	have	VERB
fsr-3406	152	23	$	$	SYM
fsr-3406	152	24	100	100	NUM
fsr-3406	152	25	in	in	ADP
fsr-3406	152	26	a	a	DET
fsr-3406	152	27	savings	saving	NOUN
fsr-3406	152	28	account	account	NOUN
fsr-3406	152	29	and	and	CCONJ
fsr-3406	152	30	the	the	DET
fsr-3406	152	31	interest	interest	NOUN
fsr-3406	152	32	rate	rate	NOUN
fsr-3406	152	33	was	be	AUX
fsr-3406	152	34	2	2	NUM
fsr-3406	152	35	%	%	NOUN
fsr-3406	152	36	per	per	ADP
fsr-3406	152	37	year	year	NOUN
fsr-3406	152	38	.	.	PUNCT
fsr-3406	153	1	after	after	ADP
fsr-3406	153	2	5	5	NUM
fsr-3406	153	3	years	year	NOUN
fsr-3406	153	4	,	,	PUNCT
fsr-3406	153	5	how	how	SCONJ
fsr-3406	153	6	much	much	ADJ
fsr-3406	153	7	do	do	AUX
fsr-3406	153	8	you	you	PRON
fsr-3406	153	9	think	think	VERB
fsr-3406	153	10	you	you	PRON
fsr-3406	153	11	would	would	AUX
fsr-3406	153	12	have	have	VERB
fsr-3406	153	13	in	in	ADP
fsr-3406	153	14	the	the	DET
fsr-3406	153	15	account	account	NOUN
fsr-3406	153	16	if	if	SCONJ
fsr-3406	153	17	you	you	PRON
fsr-3406	153	18	left	leave	VERB
fsr-3406	153	19	the	the	DET
fsr-3406	153	20	money	money	NOUN
fsr-3406	153	21	to	to	PART
fsr-3406	153	22	grow	grow	VERB
fsr-3406	153	23	:	:	PUNCT
fsr-3406	153	24	(	(	PUNCT
fsr-3406	153	25	a	a	X
fsr-3406	153	26	)	)	PUNCT
fsr-3406	153	27	more	more	ADJ
fsr-3406	153	28	than	than	ADP
fsr-3406	153	29	$	$	SYM
fsr-3406	153	30	102	102	NUM
fsr-3406	153	31	*	*	NUM
fsr-3406	153	32	;	;	PUNCT
fsr-3406	153	33	(	(	PUNCT
fsr-3406	153	34	b	b	X
fsr-3406	153	35	)	)	PUNCT
fsr-3406	153	36	exactly	exactly	ADV
fsr-3406	153	37	$	$	SYM
fsr-3406	153	38	102	102	NUM
fsr-3406	153	39	;	;	PUNCT
fsr-3406	153	40	(	(	PUNCT
fsr-3406	153	41	c	c	X
fsr-3406	153	42	)	)	PUNCT
fsr-3406	153	43	less	less	ADJ
fsr-3406	153	44	than	than	ADP
fsr-3406	153	45	$	$	SYM
fsr-3406	153	46	102	102	NUM
fsr-3406	153	47	;	;	PUNCT
fsr-3406	153	48	(	(	PUNCT
fsr-3406	153	49	d	d	X
fsr-3406	153	50	)	)	PUNCT
fsr-3406	153	51	do	do	AUX
fsr-3406	153	52	n’t	not	PART
fsr-3406	153	53	know	know	VERB
fsr-3406	153	54	;	;	PUNCT
fsr-3406	153	55	(	(	PUNCT
fsr-3406	153	56	e	e	X
fsr-3406	153	57	)	)	PUNCT
fsr-3406	153	58	prefer	prefer	VERB
fsr-3406	153	59	not	not	PART
fsr-3406	153	60	to	to	PART
fsr-3406	153	61	say	say	VERB
fsr-3406	153	62	.	.	PUNCT
fsr-3406	154	1	2	2	X
fsr-3406	154	2	.	.	X
fsr-3406	154	3	imagine	imagine	VERB
fsr-3406	154	4	that	that	SCONJ
fsr-3406	154	5	the	the	DET
fsr-3406	154	6	interest	interest	NOUN
fsr-3406	154	7	rate	rate	NOUN
fsr-3406	154	8	on	on	ADP
fsr-3406	154	9	your	your	PRON
fsr-3406	154	10	savings	saving	NOUN
fsr-3406	154	11	account	account	NOUN
fsr-3406	154	12	was	be	AUX
fsr-3406	154	13	1	1	NUM
fsr-3406	154	14	%	%	NOUN
fsr-3406	154	15	per	per	ADP
fsr-3406	154	16	year	year	NOUN
fsr-3406	154	17	and	and	CCONJ
fsr-3406	154	18	inflation	inflation	NOUN
fsr-3406	154	19	was	be	AUX
fsr-3406	154	20	2	2	NUM
fsr-3406	154	21	%	%	NOUN
fsr-3406	154	22	per	per	ADP
fsr-3406	154	23	year	year	NOUN
fsr-3406	154	24	.	.	PUNCT
fsr-3406	155	1	after	after	ADP
fsr-3406	155	2	one	one	NUM
fsr-3406	155	3	year	year	NOUN
fsr-3406	155	4	,	,	PUNCT
fsr-3406	155	5	how	how	SCONJ
fsr-3406	155	6	much	much	ADJ
fsr-3406	155	7	would	would	AUX
fsr-3406	155	8	you	you	PRON
fsr-3406	155	9	be	be	AUX
fsr-3406	155	10	able	able	ADJ
fsr-3406	155	11	to	to	PART
fsr-3406	155	12	buy	buy	VERB
fsr-3406	155	13	with	with	ADP
fsr-3406	155	14	the	the	DET
fsr-3406	155	15	money	money	NOUN
fsr-3406	155	16	table	table	NOUN
fsr-3406	155	17	2	2	NUM
fsr-3406	156	1	(	(	PUNCT
fsr-3406	156	2	continued	continued	ADJ
fsr-3406	156	3	)	)	PUNCT
fsr-3406	156	4	panel	panel	NOUN
fsr-3406	156	5	c	c	NOUN
fsr-3406	156	6	:	:	PUNCT
fsr-3406	156	7	financial	financial	ADJ
fsr-3406	156	8	behavior	behavior	NOUN
fsr-3406	156	9	questions	question	NOUN
fsr-3406	156	10	spending	spend	VERB
fsr-3406	156	11	control	control	NOUN
fsr-3406	156	12	don’tknow	don’tknow	VERB
fsr-3406	156	13	797	797	NUM
fsr-3406	156	14	2.89	2.89	NUM
fsr-3406	156	15	prefer	prefer	VERB
fsr-3406	156	16	not	not	PART
fsr-3406	156	17	to	to	PART
fsr-3406	156	18	say	say	VERB
fsr-3406	156	19	146	146	NUM
fsr-3406	156	20	0.53	0.53	NUM
fsr-3406	156	21	spending	spending	NOUN
fsr-3406	156	22	equal	equal	ADJ
fsr-3406	156	23	to	to	PART
fsr-3406	156	24	income	income	VERB
fsr-3406	156	25	10,427	10,427	NUM
fsr-3406	156	26	37.83	37.83	NUM
fsr-3406	156	27	spending	spending	NOUN
fsr-3406	156	28	less	less	ADJ
fsr-3406	156	29	than	than	SCONJ
fsr-3406	156	30	income	income	VERB
fsr-3406	156	31	11,358	11,358	NUM
fsr-3406	156	32	41.21	41.21	NUM
fsr-3406	156	33	spending	spend	VERB
fsr-3406	156	34	more	more	ADJ
fsr-3406	156	35	than	than	SCONJ
fsr-3406	156	36	income	income	VERB
fsr-3406	156	37	4,836	4,836	NUM
fsr-3406	156	38	17.54	17.54	NUM
fsr-3406	156	39	overdraw	overdraw	NOUN
fsr-3406	156	40	checking	checking	NOUN
fsr-3406	156	41	do	do	AUX
fsr-3406	156	42	n’t	not	PART
fsr-3406	156	43	know	know	VERB
fsr-3406	156	44	172	172	NUM
fsr-3406	156	45	0.62	0.62	NUM
fsr-3406	156	46	no	no	DET
fsr-3406	156	47	20,585	20,585	NUM
fsr-3406	156	48	74.68	74.68	NUM
fsr-3406	156	49	prefer	prefer	VERB
fsr-3406	156	50	not	not	PART
fsr-3406	156	51	to	to	PART
fsr-3406	156	52	say	say	VERB
fsr-3406	156	53	92	92	NUM
fsr-3406	156	54	0.33	0.33	NUM
fsr-3406	156	55	yes	yes	NOUN
fsr-3406	156	56	4,554	4,554	NUM
fsr-3406	156	57	16.52	16.52	NUM
fsr-3406	156	58	missing	miss	VERB
fsr-3406	156	59	2,161	2,161	NUM
fsr-3406	156	60	7.84	7.84	NUM
fsr-3406	156	61	calculate	calculate	NOUN
fsr-3406	156	62	retirement	retirement	NOUN
fsr-3406	156	63	do	do	AUX
fsr-3406	156	64	n’t	not	PART
fsr-3406	156	65	know	know	VERB
fsr-3406	156	66	750	750	NUM
fsr-3406	156	67	2.72	2.72	NUM
fsr-3406	156	68	no	no	DET
fsr-3406	156	69	11,843	11,843	NUM
fsr-3406	156	70	42.97	42.97	NUM
fsr-3406	156	71	prefer	prefer	VERB
fsr-3406	156	72	not	not	PART
fsr-3406	156	73	to	to	PART
fsr-3406	156	74	say	say	VERB
fsr-3406	156	75	199	199	NUM
fsr-3406	156	76	0.72	0.72	NUM
fsr-3406	157	1	yes	yes	NOUN
fsr-3406	157	2	8,977	8,977	NUM
fsr-3406	157	3	32.57	32.57	NUM
fsr-3406	157	4	missing	miss	VERB
fsr-3406	157	5	5,795	5,795	NUM
fsr-3406	157	6	21.02	21.02	NUM
fsr-3406	157	7	emergency	emergency	NOUN
fsr-3406	157	8	fund	fund	NOUN
fsr-3406	157	9	do	do	AUX
fsr-3406	157	10	n’t	not	PART
fsr-3406	157	11	know	know	VERB
fsr-3406	157	12	789	789	NUM
fsr-3406	157	13	2.86	2.86	NUM
fsr-3406	157	14	no	no	DET
fsr-3406	157	15	13,316	13,316	NUM
fsr-3406	157	16	48.31	48.31	NUM
fsr-3406	157	17	prefer	prefer	VERB
fsr-3406	157	18	not	not	PART
fsr-3406	157	19	to	to	PART
fsr-3406	157	20	say	say	VERB
fsr-3406	157	21	341	341	NUM
fsr-3406	157	22	1.24	1.24	NUM
fsr-3406	158	1	yes	yes	INTJ
fsr-3406	158	2	13,118	13,118	NUM
fsr-3406	158	3	47.59	47.59	NUM
fsr-3406	158	4	pay	pay	NOUN
fsr-3406	158	5	card	card	NOUN
fsr-3406	158	6	in	in	ADP
fsr-3406	158	7	full	full	ADJ
fsr-3406	158	8	do	do	AUX
fsr-3406	158	9	n’t	not	PART
fsr-3406	158	10	know	know	VERB
fsr-3406	158	11	189	189	NUM
fsr-3406	158	12	0.69	0.69	NUM
fsr-3406	158	13	no	no	DET
fsr-3406	158	14	9,826	9,826	NUM
fsr-3406	158	15	35.65	35.65	NUM
fsr-3406	158	16	prefer	prefer	VERB
fsr-3406	158	17	not	not	PART
fsr-3406	158	18	to	to	PART
fsr-3406	158	19	say	say	VERB
fsr-3406	158	20	113	113	NUM
fsr-3406	158	21	0.41	0.41	NUM
fsr-3406	158	22	yes	yes	INTJ
fsr-3406	158	23	1,1647	1,1647	NUM
fsr-3406	158	24	42.25	42.25	NUM
fsr-3406	158	25	missing	miss	VERB
fsr-3406	158	26	5,789	5,789	NUM
fsr-3406	158	27	21	21	NUM
fsr-3406	158	28	payday	payday	NOUN
fsr-3406	158	29	loan	loan	NOUN
fsr-3406	158	30	1	1	NUM
fsr-3406	158	31	time	time	NOUN
fsr-3406	158	32	925	925	NUM
fsr-3406	158	33	3.36	3.36	NUM
fsr-3406	158	34	2	2	NUM
fsr-3406	158	35	times	time	NOUN
fsr-3406	158	36	710	710	NUM
fsr-3406	158	37	2.58	2.58	NUM
fsr-3406	158	38	3	3	NUM
fsr-3406	158	39	times	time	NOUN
fsr-3406	158	40	565	565	NUM
fsr-3406	158	41	2.05	2.05	NUM
fsr-3406	158	42	4	4	NUM
fsr-3406	158	43	or	or	CCONJ
fsr-3406	158	44	more	more	ADJ
fsr-3406	158	45	times	time	NOUN
fsr-3406	158	46	852	852	NUM
fsr-3406	158	47	3.09	3.09	NUM
fsr-3406	158	48	do	do	AUX
fsr-3406	158	49	n’t	not	PART
fsr-3406	158	50	know	know	VERB
fsr-3406	158	51	203	203	NUM
fsr-3406	158	52	0.74	0.74	NUM
fsr-3406	158	53	never	never	ADV
fsr-3406	158	54	24,193	24,193	NUM
fsr-3406	158	55	87.77	87.77	NUM
fsr-3406	158	56	prefer	prefer	VERB
fsr-3406	158	57	not	not	PART
fsr-3406	158	58	to	to	PART
fsr-3406	158	59	say	say	VERB
fsr-3406	158	60	116	116	NUM
fsr-3406	158	61	0.42	0.42	NUM
fsr-3406	158	62	health	health	NOUN
fsr-3406	158	63	insurance	insurance	NOUN
fsr-3406	158	64	cover	cover	NOUN
fsr-3406	158	65	do	do	AUX
fsr-3406	158	66	n’t	not	PART
fsr-3406	158	67	know	know	VERB
fsr-3406	158	68	260	260	NUM
fsr-3406	158	69	0.94	0.94	NUM
fsr-3406	158	70	no	no	DET
fsr-3406	158	71	2,726	2,726	NUM
fsr-3406	158	72	9.89	9.89	NUM
fsr-3406	158	73	prefer	prefer	VERB
fsr-3406	158	74	not	not	PART
fsr-3406	158	75	to	to	PART
fsr-3406	158	76	say	say	VERB
fsr-3406	158	77	130	130	NUM
fsr-3406	158	78	0.47	0.47	NUM
fsr-3406	159	1	yes	yes	NOUN
fsr-3406	159	2	24,448	24,448	NUM
fsr-3406	159	3	88.7	88.7	NUM
fsr-3406	159	4	399j.k	399j.k	NUM
fsr-3406	159	5	.	.	PUNCT
fsr-3406	160	1	scott	scott	PROPN
fsr-3406	160	2	et	et	PROPN
fsr-3406	160	3	al	al	PROPN
fsr-3406	160	4	.	.	PUNCT
fsr-3406	160	5	/	/	SYM
fsr-3406	160	6	financial	financial	ADJ
fsr-3406	160	7	services	service	NOUN
fsr-3406	160	8	review	review	VERB
fsr-3406	160	9	27	27	NUM
fsr-3406	160	10	(	(	PUNCT
fsr-3406	160	11	2018	2018	NUM
fsr-3406	160	12	)	)	PUNCT
fsr-3406	160	13	391	391	NUM
fsr-3406	160	14	-	-	SYM
fsr-3406	160	15	411	411	NUM
fsr-3406	160	16	in	in	ADP
fsr-3406	160	17	the	the	DET
fsr-3406	160	18	account	account	NOUN
fsr-3406	160	19	?	?	PUNCT
fsr-3406	161	1	(	(	PUNCT
fsr-3406	161	2	a	a	X
fsr-3406	161	3	)	)	PUNCT
fsr-3406	161	4	more	more	ADJ
fsr-3406	161	5	than	than	ADP
fsr-3406	161	6	today	today	NOUN
fsr-3406	161	7	;	;	PUNCT
fsr-3406	161	8	(	(	PUNCT
fsr-3406	161	9	b	b	X
fsr-3406	161	10	)	)	PUNCT
fsr-3406	161	11	exactly	exactly	ADV
fsr-3406	161	12	the	the	DET
fsr-3406	161	13	same	same	ADJ
fsr-3406	161	14	;	;	PUNCT
fsr-3406	161	15	(	(	PUNCT
fsr-3406	161	16	c	c	X
fsr-3406	161	17	)	)	PUNCT
fsr-3406	161	18	less	less	ADJ
fsr-3406	161	19	than	than	ADP
fsr-3406	161	20	today	today	NOUN
fsr-3406	161	21	*	*	PUNCT
fsr-3406	161	22	;	;	PUNCT
fsr-3406	161	23	(	(	PUNCT
fsr-3406	161	24	d	d	X
fsr-3406	161	25	)	)	PUNCT
fsr-3406	161	26	do	do	AUX
fsr-3406	161	27	n’t	not	PART
fsr-3406	161	28	know	know	VERB
fsr-3406	161	29	;	;	PUNCT
fsr-3406	161	30	(	(	PUNCT
fsr-3406	161	31	e	e	X
fsr-3406	161	32	)	)	PUNCT
fsr-3406	161	33	prefer	prefer	VERB
fsr-3406	161	34	not	not	PART
fsr-3406	161	35	to	to	PART
fsr-3406	161	36	say	say	VERB
fsr-3406	161	37	.	.	PUNCT
fsr-3406	162	1	3	3	X
fsr-3406	162	2	.	.	X
fsr-3406	162	3	if	if	SCONJ
fsr-3406	162	4	interest	interest	NOUN
fsr-3406	162	5	rates	rate	NOUN
fsr-3406	162	6	rise	rise	VERB
fsr-3406	162	7	,	,	PUNCT
fsr-3406	162	8	what	what	PRON
fsr-3406	162	9	will	will	AUX
fsr-3406	162	10	typically	typically	ADV
fsr-3406	162	11	happen	happen	VERB
fsr-3406	162	12	to	to	PART
fsr-3406	162	13	bond	bond	NOUN
fsr-3406	162	14	prices	price	NOUN
fsr-3406	162	15	?	?	PUNCT
fsr-3406	163	1	(	(	PUNCT
fsr-3406	163	2	a	a	X
fsr-3406	163	3	)	)	PUNCT
fsr-3406	163	4	they	they	PRON
fsr-3406	163	5	will	will	AUX
fsr-3406	163	6	rise	rise	VERB
fsr-3406	163	7	;	;	PUNCT
fsr-3406	163	8	(	(	PUNCT
fsr-3406	163	9	b	b	X
fsr-3406	163	10	)	)	PUNCT
fsr-3406	163	11	they	they	PRON
fsr-3406	163	12	will	will	AUX
fsr-3406	163	13	fall	fall	VERB
fsr-3406	163	14	*	*	PUNCT
fsr-3406	163	15	;	;	PUNCT
fsr-3406	163	16	(	(	PUNCT
fsr-3406	163	17	c	c	X
fsr-3406	163	18	)	)	PUNCT
fsr-3406	163	19	they	they	PRON
fsr-3406	163	20	will	will	AUX
fsr-3406	163	21	remain	remain	VERB
fsr-3406	163	22	the	the	DET
fsr-3406	163	23	same	same	ADJ
fsr-3406	163	24	;	;	PUNCT
fsr-3406	163	25	(	(	PUNCT
fsr-3406	163	26	d	d	X
fsr-3406	163	27	)	)	PUNCT
fsr-3406	163	28	there	there	PRON
fsr-3406	163	29	is	be	VERB
fsr-3406	163	30	no	no	DET
fsr-3406	163	31	relationship	relationship	NOUN
fsr-3406	163	32	between	between	ADP
fsr-3406	163	33	bond	bond	NOUN
fsr-3406	163	34	prices	price	NOUN
fsr-3406	163	35	and	and	CCONJ
fsr-3406	163	36	the	the	DET
fsr-3406	163	37	interest	interest	NOUN
fsr-3406	163	38	rate	rate	NOUN
fsr-3406	163	39	;	;	PUNCT
fsr-3406	163	40	(	(	PUNCT
fsr-3406	163	41	e	e	X
fsr-3406	163	42	)	)	PUNCT
fsr-3406	163	43	do	do	AUX
fsr-3406	163	44	n’t	not	PART
fsr-3406	163	45	know	know	VERB
fsr-3406	163	46	;	;	PUNCT
fsr-3406	163	47	(	(	PUNCT
fsr-3406	163	48	f	f	X
fsr-3406	163	49	)	)	PUNCT
fsr-3406	163	50	prefer	prefer	VERB
fsr-3406	163	51	not	not	PART
fsr-3406	163	52	to	to	PART
fsr-3406	163	53	say	say	VERB
fsr-3406	163	54	.	.	PUNCT
fsr-3406	164	1	4	4	X
fsr-3406	164	2	.	.	X
fsr-3406	164	3	a	a	DET
fsr-3406	164	4	15	15	NUM
fsr-3406	164	5	-	-	PUNCT
fsr-3406	164	6	year	year	NOUN
fsr-3406	164	7	mortgage	mortgage	NOUN
fsr-3406	164	8	typically	typically	ADV
fsr-3406	164	9	requires	require	VERB
fsr-3406	164	10	higher	high	ADJ
fsr-3406	164	11	monthly	monthly	ADJ
fsr-3406	164	12	payments	payment	NOUN
fsr-3406	164	13	than	than	ADP
fsr-3406	164	14	a	a	DET
fsr-3406	164	15	30	30	NUM
fsr-3406	164	16	-	-	PUNCT
fsr-3406	164	17	year	year	NOUN
fsr-3406	164	18	mortgage	mortgage	NOUN
fsr-3406	164	19	,	,	PUNCT
fsr-3406	164	20	but	but	CCONJ
fsr-3406	164	21	the	the	DET
fsr-3406	164	22	total	total	ADJ
fsr-3406	164	23	interest	interest	NOUN
fsr-3406	164	24	paid	pay	VERB
fsr-3406	164	25	over	over	ADP
fsr-3406	164	26	the	the	DET
fsr-3406	164	27	life	life	NOUN
fsr-3406	164	28	of	of	ADP
fsr-3406	164	29	the	the	DET
fsr-3406	164	30	loan	loan	NOUN
fsr-3406	164	31	will	will	AUX
fsr-3406	164	32	be	be	AUX
fsr-3406	164	33	less	less	ADJ
fsr-3406	164	34	.	.	PUNCT
fsr-3406	165	1	(	(	PUNCT
fsr-3406	165	2	a	a	X
fsr-3406	165	3	)	)	PUNCT
fsr-3406	165	4	true	true	ADJ
fsr-3406	165	5	*	*	NOUN
fsr-3406	165	6	;	;	PUNCT
fsr-3406	165	7	(	(	PUNCT
fsr-3406	165	8	b	b	X
fsr-3406	165	9	)	)	PUNCT
fsr-3406	165	10	false	false	ADJ
fsr-3406	165	11	;	;	PUNCT
fsr-3406	165	12	(	(	PUNCT
fsr-3406	165	13	c	c	X
fsr-3406	165	14	)	)	PUNCT
fsr-3406	165	15	do	do	AUX
fsr-3406	165	16	n’t	not	PART
fsr-3406	165	17	know	know	VERB
fsr-3406	165	18	;	;	PUNCT
fsr-3406	165	19	(	(	PUNCT
fsr-3406	165	20	d	d	X
fsr-3406	165	21	)	)	PUNCT
fsr-3406	165	22	prefer	prefer	VERB
fsr-3406	165	23	not	not	PART
fsr-3406	165	24	to	to	PART
fsr-3406	165	25	say	say	VERB
fsr-3406	165	26	.	.	PUNCT
fsr-3406	166	1	5	5	X
fsr-3406	166	2	.	.	X
fsr-3406	166	3	buying	buy	VERB
fsr-3406	166	4	a	a	DET
fsr-3406	166	5	single	single	ADJ
fsr-3406	166	6	company	company	NOUN
fsr-3406	166	7	’s	’s	PART
fsr-3406	166	8	stock	stock	NOUN
fsr-3406	166	9	usually	usually	ADV
fsr-3406	166	10	provides	provide	VERB
fsr-3406	166	11	a	a	DET
fsr-3406	166	12	safer	safe	ADJ
fsr-3406	166	13	return	return	NOUN
fsr-3406	166	14	than	than	ADP
fsr-3406	166	15	a	a	DET
fsr-3406	166	16	stock	stock	NOUN
fsr-3406	166	17	mutual	mutual	ADJ
fsr-3406	166	18	fund	fund	NOUN
fsr-3406	166	19	.	.	PUNCT
fsr-3406	167	1	(	(	PUNCT
fsr-3406	167	2	a	a	X
fsr-3406	167	3	)	)	PUNCT
fsr-3406	167	4	true	true	ADJ
fsr-3406	167	5	;	;	PUNCT
fsr-3406	167	6	(	(	PUNCT
fsr-3406	167	7	b	b	X
fsr-3406	167	8	)	)	PUNCT
fsr-3406	167	9	false	false	NOUN
fsr-3406	167	10	*	*	ADP
fsr-3406	167	11	;	;	PUNCT
fsr-3406	167	12	(	(	PUNCT
fsr-3406	167	13	c	c	X
fsr-3406	167	14	)	)	PUNCT
fsr-3406	167	15	do	do	AUX
fsr-3406	167	16	n’t	not	PART
fsr-3406	167	17	know	know	VERB
fsr-3406	167	18	;	;	PUNCT
fsr-3406	167	19	(	(	PUNCT
fsr-3406	167	20	d	d	X
fsr-3406	167	21	)	)	PUNCT
fsr-3406	167	22	prefer	prefer	VERB
fsr-3406	167	23	not	not	PART
fsr-3406	167	24	to	to	PART
fsr-3406	167	25	say	say	VERB
fsr-3406	167	26	.	.	PUNCT
fsr-3406	168	1	table	table	NOUN
fsr-3406	168	2	2	2	NUM
fsr-3406	168	3	,	,	PUNCT
fsr-3406	168	4	panel	panel	NOUN
fsr-3406	168	5	a	a	DET
fsr-3406	168	6	shows	show	NOUN
fsr-3406	168	7	that	that	SCONJ
fsr-3406	168	8	most	most	ADJ
fsr-3406	168	9	respondents	respondent	NOUN
fsr-3406	168	10	provided	provide	VERB
fsr-3406	168	11	the	the	DET
fsr-3406	168	12	correct	correct	ADJ
fsr-3406	168	13	answer	answer	NOUN
fsr-3406	168	14	to	to	ADP
fsr-3406	168	15	the	the	DET
fsr-3406	168	16	interest	interest	NOUN
fsr-3406	168	17	rate	rate	NOUN
fsr-3406	168	18	question	question	NOUN
fsr-3406	168	19	(	(	PUNCT
fsr-3406	168	20	77	77	NUM
fsr-3406	168	21	%	%	NOUN
fsr-3406	168	22	)	)	PUNCT
fsr-3406	168	23	,	,	PUNCT
fsr-3406	168	24	inflation	inflation	NOUN
fsr-3406	168	25	question	question	NOUN
fsr-3406	168	26	(	(	PUNCT
fsr-3406	168	27	62	62	NUM
fsr-3406	168	28	%	%	NOUN
fsr-3406	168	29	)	)	PUNCT
fsr-3406	168	30	,	,	PUNCT
fsr-3406	168	31	and	and	CCONJ
fsr-3406	168	32	mortgage	mortgage	NOUN
fsr-3406	168	33	question	question	NOUN
fsr-3406	168	34	(	(	PUNCT
fsr-3406	168	35	77	77	NUM
fsr-3406	168	36	%	%	NOUN
fsr-3406	168	37	)	)	PUNCT
fsr-3406	168	38	.	.	PUNCT
fsr-3406	169	1	however	however	ADV
fsr-3406	169	2	,	,	PUNCT
fsr-3406	169	3	the	the	DET
fsr-3406	169	4	percentage	percentage	NOUN
fsr-3406	169	5	of	of	ADP
fsr-3406	169	6	correct	correct	ADJ
fsr-3406	169	7	answers	answer	NOUN
fsr-3406	169	8	decreased	decrease	VERB
fsr-3406	169	9	when	when	SCONJ
fsr-3406	169	10	respondents	respondent	NOUN
fsr-3406	169	11	were	be	AUX
fsr-3406	169	12	tested	test	VERB
fsr-3406	169	13	on	on	ADP
fsr-3406	169	14	their	their	PRON
fsr-3406	169	15	knowledge	knowledge	NOUN
fsr-3406	169	16	regarding	regard	VERB
fsr-3406	169	17	the	the	DET
fsr-3406	169	18	impact	impact	NOUN
fsr-3406	169	19	of	of	ADP
fsr-3406	169	20	inflation	inflation	NOUN
fsr-3406	169	21	on	on	ADP
fsr-3406	169	22	purchasing	purchase	VERB
fsr-3406	169	23	power	power	NOUN
fsr-3406	169	24	.	.	PUNCT
fsr-3406	170	1	the	the	DET
fsr-3406	170	2	worst	bad	ADJ
fsr-3406	170	3	performance	performance	NOUN
fsr-3406	170	4	is	be	AUX
fsr-3406	170	5	found	find	VERB
fsr-3406	170	6	in	in	ADP
fsr-3406	170	7	responses	response	NOUN
fsr-3406	170	8	to	to	ADP
fsr-3406	170	9	the	the	DET
fsr-3406	170	10	bond	bond	NOUN
fsr-3406	170	11	price	price	NOUN
fsr-3406	170	12	question	question	NOUN
fsr-3406	170	13	,	,	PUNCT
fsr-3406	170	14	where	where	SCONJ
fsr-3406	170	15	29.75	29.75	NUM
fsr-3406	170	16	%	%	NOUN
fsr-3406	170	17	of	of	ADP
fsr-3406	170	18	respondents	respondent	NOUN
fsr-3406	170	19	failed	fail	VERB
fsr-3406	170	20	to	to	PART
fsr-3406	170	21	select	select	VERB
fsr-3406	170	22	the	the	DET
fsr-3406	170	23	correct	correct	ADJ
fsr-3406	170	24	choice	choice	NOUN
fsr-3406	170	25	,	,	PUNCT
fsr-3406	170	26	and	and	CCONJ
fsr-3406	170	27	37	37	NUM
fsr-3406	170	28	%	%	NOUN
fsr-3406	170	29	admitted	admit	VERB
fsr-3406	170	30	not	not	PART
fsr-3406	170	31	having	have	VERB
fsr-3406	170	32	any	any	DET
fsr-3406	170	33	clue	clue	NOUN
fsr-3406	170	34	about	about	ADP
fsr-3406	170	35	the	the	DET
fsr-3406	170	36	answer	answer	NOUN
fsr-3406	170	37	;	;	PUNCT
fsr-3406	170	38	regarding	regard	VERB
fsr-3406	170	39	the	the	DET
fsr-3406	170	40	risk	risk	NOUN
fsr-3406	170	41	question	question	NOUN
fsr-3406	170	42	,	,	PUNCT
fsr-3406	170	43	41.5	41.5	NUM
fsr-3406	170	44	%	%	NOUN
fsr-3406	170	45	of	of	ADP
fsr-3406	170	46	respondents	respondent	NOUN
fsr-3406	170	47	admit	admit	VERB
fsr-3406	170	48	to	to	PART
fsr-3406	170	49	not	not	PART
fsr-3406	170	50	knowing	know	VERB
fsr-3406	170	51	the	the	DET
fsr-3406	170	52	correct	correct	ADJ
fsr-3406	170	53	answer	answer	NOUN
fsr-3406	170	54	.	.	PUNCT
fsr-3406	171	1	from	from	ADP
fsr-3406	171	2	the	the	DET
fsr-3406	171	3	financial	financial	ADJ
fsr-3406	171	4	literacy	literacy	NOUN
fsr-3406	171	5	quiz	quiz	NOUN
fsr-3406	171	6	,	,	PUNCT
fsr-3406	171	7	a	a	DET
fsr-3406	171	8	financial	financial	ADJ
fsr-3406	171	9	literacy	literacy	NOUN
fsr-3406	171	10	index	index	NOUN
fsr-3406	171	11	is	be	AUX
fsr-3406	171	12	formed	form	VERB
fsr-3406	171	13	(	(	PUNCT
fsr-3406	171	14	fli	fli	NOUN
fsr-3406	171	15	)	)	PUNCT
fsr-3406	171	16	that	that	PRON
fsr-3406	171	17	reflects	reflect	VERB
fsr-3406	171	18	the	the	DET
fsr-3406	171	19	percentage	percentage	NOUN
fsr-3406	171	20	of	of	ADP
fsr-3406	171	21	questions	question	NOUN
fsr-3406	171	22	answered	answer	VERB
fsr-3406	171	23	correctly	correctly	ADV
fsr-3406	171	24	.	.	PUNCT
fsr-3406	172	1	the	the	DET
fsr-3406	172	2	“	"	PUNCT
fsr-3406	172	3	do	do	AUX
fsr-3406	172	4	n’t	not	PART
fsr-3406	172	5	know	know	VERB
fsr-3406	172	6	”	"	PUNCT
fsr-3406	172	7	and	and	CCONJ
fsr-3406	172	8	“	"	PUNCT
fsr-3406	172	9	prefer	prefer	VERB
fsr-3406	172	10	not	not	PART
fsr-3406	172	11	to	to	PART
fsr-3406	172	12	say	say	VERB
fsr-3406	172	13	”	"	PUNCT
fsr-3406	172	14	choices	choice	NOUN
fsr-3406	172	15	were	be	AUX
fsr-3406	172	16	categorized	categorize	VERB
fsr-3406	172	17	as	as	ADP
fsr-3406	172	18	wrong	wrong	ADJ
fsr-3406	172	19	answers	answer	NOUN
fsr-3406	172	20	.	.	PUNCT
fsr-3406	173	1	the	the	DET
fsr-3406	173	2	fli	fli	NOUN
fsr-3406	173	3	is	be	AUX
fsr-3406	173	4	assigned	assign	VERB
fsr-3406	173	5	to	to	ADP
fsr-3406	173	6	distinct	distinct	ADJ
fsr-3406	173	7	values	value	NOUN
fsr-3406	173	8	of	of	ADP
fsr-3406	173	9	0	0	NUM
fsr-3406	173	10	,	,	PUNCT
fsr-3406	173	11	0.2	0.2	NUM
fsr-3406	173	12	,	,	PUNCT
fsr-3406	173	13	0.4	0.4	NUM
fsr-3406	173	14	,	,	PUNCT
fsr-3406	173	15	0.6	0.6	NUM
fsr-3406	173	16	,	,	PUNCT
fsr-3406	173	17	0.8	0.8	NUM
fsr-3406	173	18	,	,	PUNCT
fsr-3406	173	19	and	and	CCONJ
fsr-3406	173	20	1	1	NUM
fsr-3406	173	21	.	.	NOUN
fsr-3406	173	22	3.1	3.1	NUM
fsr-3406	173	23	.	.	PUNCT
fsr-3406	174	1	financial	financial	ADJ
fsr-3406	174	2	behavior	behavior	NOUN
fsr-3406	174	3	measure	measure	VERB
fsr-3406	174	4	previous	previous	ADJ
fsr-3406	174	5	studies	study	NOUN
fsr-3406	174	6	addressed	address	VERB
fsr-3406	174	7	mainly	mainly	ADV
fsr-3406	174	8	the	the	DET
fsr-3406	174	9	effect	effect	NOUN
fsr-3406	174	10	of	of	ADP
fsr-3406	174	11	financial	financial	ADJ
fsr-3406	174	12	literacy	literacy	NOUN
fsr-3406	174	13	on	on	ADP
fsr-3406	174	14	financial	financial	ADJ
fsr-3406	174	15	behavior	behavior	NOUN
fsr-3406	174	16	.	.	PUNCT
fsr-3406	175	1	the	the	DET
fsr-3406	175	2	goal	goal	NOUN
fsr-3406	175	3	of	of	ADP
fsr-3406	175	4	this	this	DET
fsr-3406	175	5	study	study	NOUN
fsr-3406	175	6	is	be	AUX
fsr-3406	175	7	to	to	PART
fsr-3406	175	8	examine	examine	VERB
fsr-3406	175	9	the	the	DET
fsr-3406	175	10	effect	effect	NOUN
fsr-3406	175	11	of	of	ADP
fsr-3406	175	12	financial	financial	ADJ
fsr-3406	175	13	literacy	literacy	NOUN
fsr-3406	175	14	on	on	ADP
fsr-3406	175	15	financial	financial	ADJ
fsr-3406	175	16	wellbeing/	wellbeing/	NUM
fsr-3406	175	17	distress	distress	NOUN
fsr-3406	175	18	.	.	PUNCT
fsr-3406	176	1	thus	thus	ADV
fsr-3406	176	2	,	,	PUNCT
fsr-3406	176	3	it	it	PRON
fsr-3406	176	4	is	be	AUX
fsr-3406	176	5	necessary	necessary	ADJ
fsr-3406	176	6	to	to	PART
fsr-3406	176	7	control	control	VERB
fsr-3406	176	8	for	for	ADP
fsr-3406	176	9	financial	financial	ADJ
fsr-3406	176	10	behavior	behavior	NOUN
fsr-3406	176	11	in	in	ADP
fsr-3406	176	12	this	this	DET
fsr-3406	176	13	study	study	NOUN
fsr-3406	176	14	to	to	PART
fsr-3406	176	15	isolate	isolate	VERB
fsr-3406	176	16	its	its	PRON
fsr-3406	176	17	effect	effect	NOUN
fsr-3406	176	18	on	on	ADP
fsr-3406	176	19	financial	financial	ADJ
fsr-3406	176	20	wellbeing	wellbee	VERB
fsr-3406	176	21	/	/	SYM
fsr-3406	176	22	distress	distress	NOUN
fsr-3406	176	23	.	.	PUNCT
fsr-3406	177	1	this	this	DET
fsr-3406	177	2	study	study	NOUN
fsr-3406	177	3	follows	follow	VERB
fsr-3406	177	4	atkinson	atkinson	PROPN
fsr-3406	177	5	and	and	CCONJ
fsr-3406	177	6	messy	messy	ADJ
fsr-3406	177	7	(	(	PUNCT
fsr-3406	177	8	2011	2011	NUM
fsr-3406	177	9	)	)	PUNCT
fsr-3406	177	10	to	to	PART
fsr-3406	177	11	create	create	VERB
fsr-3406	177	12	a	a	DET
fsr-3406	177	13	financial	financial	ADJ
fsr-3406	177	14	behavior	behavior	NOUN
fsr-3406	177	15	index	index	NOUN
fsr-3406	177	16	.	.	PUNCT
fsr-3406	178	1	to	to	PART
fsr-3406	178	2	measure	measure	VERB
fsr-3406	178	3	financial	financial	ADJ
fsr-3406	178	4	behavior	behavior	NOUN
fsr-3406	178	5	,	,	PUNCT
fsr-3406	178	6	we	we	PRON
fsr-3406	178	7	focus	focus	VERB
fsr-3406	178	8	on	on	ADP
fsr-3406	178	9	seven	seven	NUM
fsr-3406	178	10	questions	question	NOUN
fsr-3406	178	11	from	from	ADP
fsr-3406	178	12	the	the	DET
fsr-3406	178	13	survey	survey	NOUN
fsr-3406	178	14	that	that	PRON
fsr-3406	178	15	touch	touch	VERB
fsr-3406	178	16	on	on	ADP
fsr-3406	178	17	budget	budget	NOUN
fsr-3406	178	18	management	management	NOUN
fsr-3406	178	19	,	,	PUNCT
fsr-3406	178	20	savings	saving	NOUN
fsr-3406	178	21	,	,	PUNCT
fsr-3406	178	22	credit	credit	NOUN
fsr-3406	178	23	,	,	PUNCT
fsr-3406	178	24	insurance	insurance	NOUN
fsr-3406	178	25	,	,	PUNCT
fsr-3406	178	26	and	and	CCONJ
fsr-3406	178	27	financial	financial	ADJ
fsr-3406	178	28	advice	advice	NOUN
fsr-3406	178	29	.	.	PUNCT
fsr-3406	179	1	this	this	DET
fsr-3406	179	2	approach	approach	NOUN
fsr-3406	179	3	resembles	resemble	VERB
fsr-3406	179	4	one	one	NUM
fsr-3406	179	5	adopted	adopt	VERB
fsr-3406	179	6	by	by	ADP
fsr-3406	179	7	atkinson	atkinson	PROPN
fsr-3406	179	8	and	and	CCONJ
fsr-3406	179	9	messy	messy	ADJ
fsr-3406	179	10	(	(	PUNCT
fsr-3406	179	11	2011	2011	NUM
fsr-3406	179	12	)	)	PUNCT
fsr-3406	179	13	,	,	PUNCT
fsr-3406	179	14	as	as	SCONJ
fsr-3406	179	15	shown	show	VERB
fsr-3406	179	16	below	below	ADP
fsr-3406	179	17	:	:	PUNCT
fsr-3406	179	18	1	1	X
fsr-3406	179	19	.	.	X
fsr-3406	180	1	over	over	ADP
fsr-3406	180	2	the	the	DET
fsr-3406	180	3	past	past	ADJ
fsr-3406	180	4	year	year	NOUN
fsr-3406	180	5	,	,	PUNCT
fsr-3406	180	6	would	would	AUX
fsr-3406	180	7	you	you	PRON
fsr-3406	180	8	say	say	VERB
fsr-3406	180	9	your	your	PRON
fsr-3406	180	10	household	household	NOUN
fsr-3406	180	11	’s	’s	PART
fsr-3406	180	12	spending	spending	NOUN
fsr-3406	180	13	was	be	AUX
fsr-3406	180	14	less	less	ADJ
fsr-3406	180	15	than	than	ADP
fsr-3406	180	16	,	,	PUNCT
fsr-3406	180	17	more	more	ADJ
fsr-3406	180	18	than	than	ADP
fsr-3406	180	19	,	,	PUNCT
fsr-3406	180	20	or	or	CCONJ
fsr-3406	180	21	about	about	ADP
fsr-3406	180	22	equal	equal	ADJ
fsr-3406	180	23	to	to	ADP
fsr-3406	180	24	your	your	PRON
fsr-3406	180	25	household	household	NOUN
fsr-3406	180	26	’s	’s	PART
fsr-3406	180	27	income	income	NOUN
fsr-3406	180	28	?	?	PUNCT
fsr-3406	181	1	(	(	PUNCT
fsr-3406	181	2	…	…	PUNCT
fsr-3406	181	3	)	)	PUNCT
fsr-3406	181	4	(	(	PUNCT
fsr-3406	181	5	a	a	X
fsr-3406	181	6	)	)	PUNCT
fsr-3406	181	7	spending	spend	VERB
fsr-3406	181	8	less	less	ADJ
fsr-3406	181	9	than	than	ADP
fsr-3406	181	10	income	income	NOUN
fsr-3406	181	11	*	*	PUNCT
fsr-3406	181	12	;	;	PUNCT
fsr-3406	181	13	(	(	PUNCT
fsr-3406	181	14	b	b	X
fsr-3406	181	15	)	)	PUNCT
fsr-3406	181	16	spending	spend	VERB
fsr-3406	181	17	more	more	ADJ
fsr-3406	181	18	than	than	ADP
fsr-3406	181	19	income	income	NOUN
fsr-3406	181	20	;	;	PUNCT
fsr-3406	181	21	(	(	PUNCT
fsr-3406	181	22	c	c	X
fsr-3406	181	23	)	)	PUNCT
fsr-3406	181	24	spending	spend	VERB
fsr-3406	181	25	about	about	ADP
fsr-3406	181	26	equal	equal	ADJ
fsr-3406	181	27	to	to	ADP
fsr-3406	181	28	income	income	NOUN
fsr-3406	181	29	*	*	PUNCT
fsr-3406	181	30	;	;	PUNCT
fsr-3406	181	31	(	(	PUNCT
fsr-3406	181	32	d	d	X
fsr-3406	181	33	)	)	PUNCT
fsr-3406	181	34	do	do	AUX
fsr-3406	181	35	n’t	not	PART
fsr-3406	181	36	know	know	VERB
fsr-3406	181	37	;	;	PUNCT
fsr-3406	181	38	(	(	PUNCT
fsr-3406	181	39	e	e	X
fsr-3406	181	40	)	)	PUNCT
fsr-3406	181	41	prefer	prefer	VERB
fsr-3406	181	42	not	not	PART
fsr-3406	181	43	to	to	PART
fsr-3406	181	44	say	say	VERB
fsr-3406	181	45	.	.	PUNCT
fsr-3406	182	1	2	2	X
fsr-3406	182	2	.	.	X
fsr-3406	182	3	do	do	AUX
fsr-3406	182	4	you	you	PRON
fsr-3406	182	5	or	or	CCONJ
fsr-3406	182	6	your	your	PRON
fsr-3406	182	7	spouse	spouse	NOUN
fsr-3406	182	8	/	/	SYM
fsr-3406	182	9	partner	partner	NOUN
fsr-3406	182	10	overdraw	overdraw	VERB
fsr-3406	182	11	your	your	PRON
fsr-3406	182	12	checking	checking	NOUN
fsr-3406	182	13	account	account	NOUN
fsr-3406	182	14	occasionally	occasionally	ADV
fsr-3406	182	15	?	?	PUNCT
fsr-3406	183	1	(	(	PUNCT
fsr-3406	183	2	a	a	X
fsr-3406	183	3	)	)	PUNCT
fsr-3406	183	4	yes	yes	INTJ
fsr-3406	183	5	;	;	PUNCT
fsr-3406	183	6	(	(	PUNCT
fsr-3406	183	7	b	b	X
fsr-3406	183	8	)	)	PUNCT
fsr-3406	183	9	no	no	NOUN
fsr-3406	183	10	*	*	ADJ
fsr-3406	183	11	;	;	PUNCT
fsr-3406	183	12	(	(	PUNCT
fsr-3406	183	13	d	d	X
fsr-3406	183	14	)	)	PUNCT
fsr-3406	183	15	do	do	AUX
fsr-3406	183	16	n’t	not	PART
fsr-3406	183	17	know	know	VERB
fsr-3406	183	18	;	;	PUNCT
fsr-3406	183	19	(	(	PUNCT
fsr-3406	183	20	e	e	X
fsr-3406	183	21	)	)	PUNCT
fsr-3406	183	22	prefer	prefer	VERB
fsr-3406	183	23	not	not	PART
fsr-3406	183	24	to	to	PART
fsr-3406	183	25	say	say	VERB
fsr-3406	183	26	.	.	PUNCT
fsr-3406	184	1	3	3	X
fsr-3406	184	2	.	.	X
fsr-3406	184	3	have	have	AUX
fsr-3406	184	4	you	you	PRON
fsr-3406	184	5	ever	ever	ADV
fsr-3406	184	6	tried	try	VERB
fsr-3406	184	7	to	to	PART
fsr-3406	184	8	figure	figure	VERB
fsr-3406	184	9	out	out	ADP
fsr-3406	184	10	how	how	SCONJ
fsr-3406	184	11	much	much	ADJ
fsr-3406	184	12	you	you	PRON
fsr-3406	184	13	need	need	VERB
fsr-3406	184	14	to	to	PART
fsr-3406	184	15	save	save	VERB
fsr-3406	184	16	for	for	ADP
fsr-3406	184	17	retirement	retirement	NOUN
fsr-3406	184	18	?	?	PUNCT
fsr-3406	185	1	(	(	PUNCT
fsr-3406	185	2	non	non	ADJ
fsr-3406	185	3	-	-	ADJ
fsr-3406	185	4	retired	retired	ADJ
fsr-3406	185	5	respondent	respondent	NOUN
fsr-3406	185	6	)	)	PUNCT
fsr-3406	185	7	or	or	CCONJ
fsr-3406	185	8	before	before	SCONJ
fsr-3406	185	9	you	you	PRON
fsr-3406	185	10	retired	retire	VERB
fsr-3406	185	11	,	,	PUNCT
fsr-3406	185	12	did	do	AUX
fsr-3406	185	13	you	you	PRON
fsr-3406	185	14	try	try	VERB
fsr-3406	185	15	to	to	PART
fsr-3406	185	16	figure	figure	VERB
fsr-3406	185	17	out	out	ADP
fsr-3406	185	18	how	how	SCONJ
fsr-3406	185	19	much	much	ADJ
fsr-3406	185	20	you	you	PRON
fsr-3406	185	21	need	need	VERB
fsr-3406	185	22	to	to	PART
fsr-3406	185	23	save	save	VERB
fsr-3406	185	24	for	for	ADP
fsr-3406	185	25	retirement	retirement	NOUN
fsr-3406	185	26	?	?	PUNCT
fsr-3406	186	1	(	(	PUNCT
fsr-3406	186	2	retired	retire	VERB
fsr-3406	186	3	respondent	respondent	NOUN
fsr-3406	186	4	)	)	PUNCT
fsr-3406	186	5	.	.	PUNCT
fsr-3406	187	1	(	(	PUNCT
fsr-3406	187	2	a	a	X
fsr-3406	187	3	)	)	PUNCT
fsr-3406	187	4	yes	yes	NOUN
fsr-3406	187	5	*	*	NOUN
fsr-3406	187	6	;	;	PUNCT
fsr-3406	187	7	(	(	PUNCT
fsr-3406	187	8	b	b	X
fsr-3406	187	9	)	)	PUNCT
fsr-3406	187	10	no	no	NOUN
fsr-3406	187	11	;	;	PUNCT
fsr-3406	187	12	(	(	PUNCT
fsr-3406	187	13	d	d	X
fsr-3406	187	14	)	)	PUNCT
fsr-3406	187	15	do	do	AUX
fsr-3406	187	16	n’t	not	PART
fsr-3406	187	17	know	know	VERB
fsr-3406	187	18	;	;	PUNCT
fsr-3406	187	19	(	(	PUNCT
fsr-3406	187	20	e	e	X
fsr-3406	187	21	)	)	PUNCT
fsr-3406	187	22	prefer	prefer	VERB
fsr-3406	187	23	not	not	PART
fsr-3406	187	24	to	to	PART
fsr-3406	187	25	say	say	VERB
fsr-3406	187	26	.	.	PUNCT
fsr-3406	188	1	400	400	NUM
fsr-3406	188	2	j.k	j.k	PROPN
fsr-3406	188	3	.	.	PROPN
fsr-3406	188	4	scott	scott	PROPN
fsr-3406	188	5	et	et	PROPN
fsr-3406	188	6	al	al	PROPN
fsr-3406	188	7	.	.	PUNCT
fsr-3406	188	8	/	/	SYM
fsr-3406	188	9	financial	financial	ADJ
fsr-3406	188	10	services	service	NOUN
fsr-3406	188	11	review	review	VERB
fsr-3406	188	12	27	27	NUM
fsr-3406	188	13	(	(	PUNCT
fsr-3406	188	14	2018	2018	NUM
fsr-3406	188	15	)	)	PUNCT
fsr-3406	188	16	391	391	NUM
fsr-3406	188	17	-	-	SYM
fsr-3406	188	18	411	411	NUM
fsr-3406	188	19	4	4	NUM
fsr-3406	188	20	.	.	PUNCT
fsr-3406	189	1	have	have	AUX
fsr-3406	189	2	you	you	PRON
fsr-3406	189	3	set	set	VERB
fsr-3406	189	4	aside	aside	ADV
fsr-3406	189	5	emergency	emergency	NOUN
fsr-3406	189	6	or	or	CCONJ
fsr-3406	189	7	rainy	rainy	ADJ
fsr-3406	189	8	-	-	PUNCT
fsr-3406	189	9	day	day	NOUN
fsr-3406	189	10	funds	fund	NOUN
fsr-3406	189	11	that	that	PRON
fsr-3406	189	12	would	would	AUX
fsr-3406	189	13	cover	cover	VERB
fsr-3406	189	14	your	your	PRON
fsr-3406	189	15	expenses	expense	NOUN
fsr-3406	189	16	for	for	ADP
fsr-3406	189	17	three	three	NUM
fsr-3406	189	18	months	month	NOUN
fsr-3406	189	19	,	,	PUNCT
fsr-3406	189	20	in	in	ADP
fsr-3406	189	21	the	the	DET
fsr-3406	189	22	case	case	NOUN
fsr-3406	189	23	of	of	ADP
fsr-3406	189	24	sickness	sickness	NOUN
fsr-3406	189	25	,	,	PUNCT
fsr-3406	189	26	job	job	NOUN
fsr-3406	189	27	loss	loss	NOUN
fsr-3406	189	28	,	,	PUNCT
fsr-3406	189	29	economic	economic	ADJ
fsr-3406	189	30	downturn	downturn	NOUN
fsr-3406	189	31	,	,	PUNCT
fsr-3406	189	32	or	or	CCONJ
fsr-3406	189	33	other	other	ADJ
fsr-3406	189	34	emergencies	emergency	NOUN
fsr-3406	189	35	:	:	PUNCT
fsr-3406	189	36	(	(	PUNCT
fsr-3406	189	37	a	a	X
fsr-3406	189	38	)	)	PUNCT
fsr-3406	189	39	yes	yes	NOUN
fsr-3406	189	40	*	*	NOUN
fsr-3406	189	41	;	;	PUNCT
fsr-3406	189	42	b	b	X
fsr-3406	189	43	)	)	PUNCT
fsr-3406	189	44	no	no	NOUN
fsr-3406	189	45	;	;	PUNCT
fsr-3406	189	46	(	(	PUNCT
fsr-3406	189	47	d	d	X
fsr-3406	189	48	)	)	PUNCT
fsr-3406	189	49	do	do	AUX
fsr-3406	189	50	n’t	not	PART
fsr-3406	189	51	know	know	VERB
fsr-3406	189	52	;	;	PUNCT
fsr-3406	189	53	(	(	PUNCT
fsr-3406	189	54	e	e	X
fsr-3406	189	55	)	)	PUNCT
fsr-3406	189	56	prefer	prefer	VERB
fsr-3406	189	57	not	not	PART
fsr-3406	189	58	to	to	PART
fsr-3406	189	59	say	say	VERB
fsr-3406	189	60	.	.	PUNCT
fsr-3406	190	1	5	5	X
fsr-3406	190	2	.	.	X
fsr-3406	190	3	in	in	ADP
fsr-3406	190	4	the	the	DET
fsr-3406	190	5	past	past	ADJ
fsr-3406	190	6	12	12	NUM
fsr-3406	190	7	months	month	NOUN
fsr-3406	190	8	,	,	PUNCT
fsr-3406	190	9	which	which	PRON
fsr-3406	190	10	of	of	ADP
fsr-3406	190	11	the	the	DET
fsr-3406	190	12	following	following	NOUN
fsr-3406	190	13	describes	describe	VERB
fsr-3406	190	14	your	your	PRON
fsr-3406	190	15	experience	experience	NOUN
fsr-3406	190	16	with	with	ADP
fsr-3406	190	17	credit	credit	NOUN
fsr-3406	190	18	cards	card	NOUN
fsr-3406	190	19	?	?	PUNCT
fsr-3406	191	1	i	i	PRON
fsr-3406	191	2	always	always	ADV
fsr-3406	191	3	paid	pay	VERB
fsr-3406	191	4	my	my	PRON
fsr-3406	191	5	credit	credit	NOUN
fsr-3406	191	6	cards	card	NOUN
fsr-3406	191	7	in	in	ADP
fsr-3406	191	8	full	full	ADJ
fsr-3406	191	9	:	:	PUNCT
fsr-3406	191	10	(	(	PUNCT
fsr-3406	191	11	a	a	X
fsr-3406	191	12	)	)	PUNCT
fsr-3406	191	13	yes	yes	NOUN
fsr-3406	191	14	*	*	NOUN
fsr-3406	191	15	;	;	PUNCT
fsr-3406	191	16	(	(	PUNCT
fsr-3406	191	17	b	b	X
fsr-3406	191	18	)	)	PUNCT
fsr-3406	191	19	no	no	NOUN
fsr-3406	191	20	;	;	PUNCT
fsr-3406	191	21	(	(	PUNCT
fsr-3406	191	22	d	d	X
fsr-3406	191	23	)	)	PUNCT
fsr-3406	191	24	do	do	AUX
fsr-3406	191	25	n’t	not	PART
fsr-3406	191	26	know	know	VERB
fsr-3406	191	27	;	;	PUNCT
fsr-3406	191	28	(	(	PUNCT
fsr-3406	191	29	e	e	X
fsr-3406	191	30	)	)	PUNCT
fsr-3406	191	31	prefer	prefer	VERB
fsr-3406	191	32	not	not	PART
fsr-3406	191	33	to	to	PART
fsr-3406	191	34	say	say	VERB
fsr-3406	191	35	.	.	PUNCT
fsr-3406	192	1	6	6	X
fsr-3406	192	2	.	.	X
fsr-3406	192	3	please	please	AUX
fsr-3406	192	4	indicate	indicate	VERB
fsr-3406	192	5	if	if	SCONJ
fsr-3406	192	6	in	in	ADP
fsr-3406	192	7	the	the	DET
fsr-3406	192	8	past	past	ADJ
fsr-3406	192	9	five	five	NUM
fsr-3406	192	10	years	year	NOUN
fsr-3406	192	11	you	you	PRON
fsr-3406	192	12	have	have	AUX
fsr-3406	192	13	taken	take	VERB
fsr-3406	192	14	out	out	ADP
fsr-3406	192	15	a	a	DET
fsr-3406	192	16	short	short	ADJ
fsr-3406	192	17	-	-	PUNCT
fsr-3406	192	18	term	term	NOUN
fsr-3406	192	19	“	"	PUNCT
fsr-3406	192	20	payday	payday	NOUN
fsr-3406	192	21	”	"	PUNCT
fsr-3406	192	22	loan	loan	NOUN
fsr-3406	192	23	?	?	PUNCT
fsr-3406	193	1	(	(	PUNCT
fsr-3406	193	2	a	a	X
fsr-3406	193	3	)	)	PUNCT
fsr-3406	193	4	yes	yes	INTJ
fsr-3406	193	5	;	;	PUNCT
fsr-3406	193	6	(	(	PUNCT
fsr-3406	193	7	b	b	X
fsr-3406	193	8	)	)	PUNCT
fsr-3406	193	9	no	no	NOUN
fsr-3406	193	10	*	*	ADJ
fsr-3406	193	11	;	;	PUNCT
fsr-3406	193	12	(	(	PUNCT
fsr-3406	193	13	d	d	X
fsr-3406	193	14	)	)	PUNCT
fsr-3406	193	15	do	do	AUX
fsr-3406	193	16	n’t	not	PART
fsr-3406	193	17	know	know	VERB
fsr-3406	193	18	;	;	PUNCT
fsr-3406	193	19	(	(	PUNCT
fsr-3406	193	20	e	e	X
fsr-3406	193	21	)	)	PUNCT
fsr-3406	193	22	prefer	prefer	VERB
fsr-3406	193	23	not	not	PART
fsr-3406	193	24	to	to	PART
fsr-3406	193	25	say	say	VERB
fsr-3406	193	26	.	.	PUNCT
fsr-3406	194	1	7	7	X
fsr-3406	194	2	.	.	X
fsr-3406	194	3	are	be	AUX
fsr-3406	194	4	you	you	PRON
fsr-3406	194	5	covered	cover	VERB
fsr-3406	194	6	by	by	ADP
fsr-3406	194	7	health	health	NOUN
fsr-3406	194	8	insurance	insurance	NOUN
fsr-3406	194	9	?	?	PUNCT
fsr-3406	195	1	(	(	PUNCT
fsr-3406	195	2	a	a	X
fsr-3406	195	3	)	)	PUNCT
fsr-3406	195	4	yes	yes	NOUN
fsr-3406	195	5	*	*	NOUN
fsr-3406	195	6	;	;	PUNCT
fsr-3406	195	7	(	(	PUNCT
fsr-3406	195	8	b	b	X
fsr-3406	195	9	)	)	PUNCT
fsr-3406	195	10	no	no	NOUN
fsr-3406	195	11	;	;	PUNCT
fsr-3406	195	12	(	(	PUNCT
fsr-3406	195	13	d	d	X
fsr-3406	195	14	)	)	PUNCT
fsr-3406	195	15	do	do	AUX
fsr-3406	195	16	n’t	not	PART
fsr-3406	195	17	know	know	VERB
fsr-3406	195	18	;	;	PUNCT
fsr-3406	195	19	(	(	PUNCT
fsr-3406	195	20	e	e	X
fsr-3406	195	21	)	)	PUNCT
fsr-3406	195	22	prefer	prefer	VERB
fsr-3406	195	23	not	not	PART
fsr-3406	195	24	to	to	PART
fsr-3406	195	25	say	say	VERB
fsr-3406	195	26	.	.	PUNCT
fsr-3406	196	1	in	in	ADP
fsr-3406	196	2	table	table	NOUN
fsr-3406	196	3	2	2	NUM
fsr-3406	196	4	,	,	PUNCT
fsr-3406	196	5	panel	panel	NOUN
fsr-3406	196	6	c	c	NOUN
fsr-3406	196	7	,	,	PUNCT
fsr-3406	196	8	reports	report	VERB
fsr-3406	196	9	the	the	DET
fsr-3406	196	10	descriptive	descriptive	ADJ
fsr-3406	196	11	statistics	statistic	NOUN
fsr-3406	196	12	for	for	ADP
fsr-3406	196	13	the	the	DET
fsr-3406	196	14	financial	financial	ADJ
fsr-3406	196	15	behavior	behavior	NOUN
fsr-3406	196	16	questions	question	NOUN
fsr-3406	196	17	.	.	PUNCT
fsr-3406	197	1	eighteen	eighteen	NUM
fsr-3406	197	2	percent	percent	NOUN
fsr-3406	197	3	of	of	ADP
fsr-3406	197	4	respondents	respondent	NOUN
fsr-3406	197	5	indicated	indicate	VERB
fsr-3406	197	6	that	that	SCONJ
fsr-3406	197	7	spending	spending	NOUN
fsr-3406	197	8	in	in	ADP
fsr-3406	197	9	the	the	DET
fsr-3406	197	10	past	past	ADJ
fsr-3406	197	11	year	year	NOUN
fsr-3406	197	12	exceeded	exceed	VERB
fsr-3406	197	13	income	income	NOUN
fsr-3406	197	14	(	(	PUNCT
fsr-3406	197	15	question	question	NOUN
fsr-3406	197	16	1	1	NUM
fsr-3406	197	17	)	)	PUNCT
fsr-3406	197	18	,	,	PUNCT
fsr-3406	197	19	17	17	NUM
fsr-3406	197	20	%	%	NOUN
fsr-3406	197	21	reported	report	VERB
fsr-3406	197	22	overdrawing	overdraw	VERB
fsr-3406	197	23	their	their	PRON
fsr-3406	197	24	checking	checking	NOUN
fsr-3406	197	25	account	account	NOUN
fsr-3406	197	26	occasionally	occasionally	ADV
fsr-3406	197	27	(	(	PUNCT
fsr-3406	197	28	question	question	NOUN
fsr-3406	197	29	2	2	NUM
fsr-3406	197	30	)	)	PUNCT
fsr-3406	197	31	.	.	PUNCT
fsr-3406	198	1	planning	planning	NOUN
fsr-3406	198	2	is	be	AUX
fsr-3406	198	3	critical	critical	ADJ
fsr-3406	198	4	for	for	ADP
fsr-3406	198	5	retirement	retirement	NOUN
fsr-3406	198	6	preparedness	preparedness	NOUN
fsr-3406	198	7	or	or	CCONJ
fsr-3406	198	8	making	make	VERB
fsr-3406	198	9	provisions	provision	NOUN
fsr-3406	198	10	to	to	PART
fsr-3406	198	11	buffer	buffer	VERB
fsr-3406	198	12	against	against	ADP
fsr-3406	198	13	adverse	adverse	ADJ
fsr-3406	198	14	shocks	shock	NOUN
fsr-3406	198	15	.	.	PUNCT
fsr-3406	199	1	close	close	ADJ
fsr-3406	199	2	to	to	PART
fsr-3406	199	3	half	half	NOUN
fsr-3406	199	4	of	of	ADP
fsr-3406	199	5	respondents	respondent	NOUN
fsr-3406	199	6	(	(	PUNCT
fsr-3406	199	7	43	43	NUM
fsr-3406	199	8	%	%	NOUN
fsr-3406	199	9	)	)	PUNCT
fsr-3406	199	10	who	who	PRON
fsr-3406	199	11	answered	answer	VERB
fsr-3406	199	12	the	the	DET
fsr-3406	199	13	third	third	ADJ
fsr-3406	199	14	question	question	NOUN
fsr-3406	199	15	have	have	AUX
fsr-3406	199	16	not	not	PART
fsr-3406	199	17	tried	try	VERB
fsr-3406	199	18	to	to	PART
fsr-3406	199	19	determine	determine	VERB
fsr-3406	199	20	how	how	SCONJ
fsr-3406	199	21	much	much	ADJ
fsr-3406	199	22	they	they	PRON
fsr-3406	199	23	should	should	AUX
fsr-3406	199	24	put	put	VERB
fsr-3406	199	25	into	into	ADP
fsr-3406	199	26	a	a	DET
fsr-3406	199	27	retirement	retirement	NOUN
fsr-3406	199	28	saving	saving	NOUN
fsr-3406	199	29	account	account	NOUN
fsr-3406	199	30	.	.	PUNCT
fsr-3406	200	1	additionally	additionally	ADV
fsr-3406	200	2	,	,	PUNCT
fsr-3406	200	3	49	49	NUM
fsr-3406	200	4	%	%	NOUN
fsr-3406	200	5	of	of	ADP
fsr-3406	200	6	respondents	respondent	NOUN
fsr-3406	200	7	have	have	AUX
fsr-3406	200	8	not	not	PART
fsr-3406	200	9	set	set	VERB
fsr-3406	200	10	aside	aside	ADP
fsr-3406	200	11	an	an	DET
fsr-3406	200	12	emergency	emergency	NOUN
fsr-3406	200	13	or	or	CCONJ
fsr-3406	200	14	a	a	DET
fsr-3406	200	15	rainy	rainy	ADJ
fsr-3406	200	16	day	day	NOUN
fsr-3406	200	17	fund	fund	NOUN
fsr-3406	200	18	(	(	PUNCT
fsr-3406	200	19	question	question	NOUN
fsr-3406	200	20	4	4	NUM
fsr-3406	200	21	)	)	PUNCT
fsr-3406	200	22	.	.	PUNCT
fsr-3406	201	1	concerning	concern	VERB
fsr-3406	201	2	credit	credit	NOUN
fsr-3406	201	3	behavior	behavior	NOUN
fsr-3406	201	4	,	,	PUNCT
fsr-3406	201	5	36	36	NUM
fsr-3406	201	6	%	%	NOUN
fsr-3406	201	7	of	of	ADP
fsr-3406	201	8	our	our	PRON
fsr-3406	201	9	survey	survey	NOUN
fsr-3406	201	10	respondents	respondent	NOUN
fsr-3406	201	11	do	do	AUX
fsr-3406	201	12	not	not	PART
fsr-3406	201	13	pay	pay	VERB
fsr-3406	201	14	their	their	PRON
fsr-3406	201	15	credit	credit	NOUN
fsr-3406	201	16	card	card	NOUN
fsr-3406	201	17	balance	balance	NOUN
fsr-3406	201	18	fully	fully	ADV
fsr-3406	201	19	,	,	PUNCT
fsr-3406	201	20	which	which	PRON
fsr-3406	201	21	translates	translate	VERB
fsr-3406	201	22	into	into	ADP
fsr-3406	201	23	increased	increase	VERB
fsr-3406	201	24	interest	interest	NOUN
fsr-3406	201	25	costs	cost	NOUN
fsr-3406	201	26	over	over	ADP
fsr-3406	201	27	time	time	NOUN
fsr-3406	201	28	(	(	PUNCT
fsr-3406	201	29	question	question	NOUN
fsr-3406	201	30	5	5	NUM
fsr-3406	201	31	)	)	PUNCT
fsr-3406	201	32	.	.	PUNCT
fsr-3406	202	1	alongside	alongside	ADP
fsr-3406	202	2	that	that	DET
fsr-3406	202	3	result	result	NOUN
fsr-3406	202	4	,	,	PUNCT
fsr-3406	202	5	when	when	SCONJ
fsr-3406	202	6	it	it	PRON
fsr-3406	202	7	comes	come	VERB
fsr-3406	202	8	to	to	ADP
fsr-3406	202	9	alternative	alternative	ADJ
fsr-3406	202	10	forms	form	NOUN
fsr-3406	202	11	of	of	ADP
fsr-3406	202	12	borrowing	borrowing	NOUN
fsr-3406	202	13	,	,	PUNCT
fsr-3406	202	14	such	such	ADJ
fsr-3406	202	15	as	as	ADP
fsr-3406	202	16	taking	take	VERB
fsr-3406	202	17	on	on	ADP
fsr-3406	202	18	a	a	DET
fsr-3406	202	19	payday	payday	NOUN
fsr-3406	202	20	loan	loan	NOUN
fsr-3406	202	21	,	,	PUNCT
fsr-3406	202	22	11	11	NUM
fsr-3406	202	23	%	%	NOUN
fsr-3406	202	24	of	of	ADP
fsr-3406	202	25	respondents	respondent	NOUN
fsr-3406	202	26	use	use	VERB
fsr-3406	202	27	this	this	DET
fsr-3406	202	28	type	type	NOUN
fsr-3406	202	29	of	of	ADP
fsr-3406	202	30	high	high	ADJ
fsr-3406	202	31	-	-	PUNCT
fsr-3406	202	32	cost	cost	NOUN
fsr-3406	202	33	lending	lending	NOUN
fsr-3406	202	34	method	method	NOUN
fsr-3406	202	35	(	(	PUNCT
fsr-3406	202	36	question	question	NOUN
fsr-3406	202	37	6	6	NUM
fsr-3406	202	38	)	)	PUNCT
fsr-3406	202	39	.	.	PUNCT
fsr-3406	203	1	finally	finally	ADV
fsr-3406	203	2	,	,	PUNCT
fsr-3406	203	3	regarding	regard	VERB
fsr-3406	203	4	insurance	insurance	NOUN
fsr-3406	203	5	coverage	coverage	NOUN
fsr-3406	203	6	,	,	PUNCT
fsr-3406	203	7	10	10	NUM
fsr-3406	203	8	%	%	NOUN
fsr-3406	203	9	of	of	ADP
fsr-3406	203	10	respondents	respondent	NOUN
fsr-3406	203	11	report	report	VERB
fsr-3406	203	12	not	not	PART
fsr-3406	203	13	being	be	AUX
fsr-3406	203	14	covered	cover	VERB
fsr-3406	203	15	by	by	ADP
fsr-3406	203	16	a	a	DET
fsr-3406	203	17	health	health	NOUN
fsr-3406	203	18	insurance	insurance	NOUN
fsr-3406	203	19	plan	plan	NOUN
fsr-3406	203	20	(	(	PUNCT
fsr-3406	203	21	question	question	NOUN
fsr-3406	203	22	7	7	NUM
fsr-3406	203	23	)	)	PUNCT
fsr-3406	203	24	.	.	PUNCT
fsr-3406	204	1	based	base	VERB
fsr-3406	204	2	on	on	ADP
fsr-3406	204	3	the	the	DET
fsr-3406	204	4	questions	question	NOUN
fsr-3406	204	5	above	above	ADV
fsr-3406	204	6	,	,	PUNCT
fsr-3406	204	7	the	the	DET
fsr-3406	204	8	fbi	fbi	PROPN
fsr-3406	204	9	(	(	PUNCT
fsr-3406	204	10	financial	financial	ADJ
fsr-3406	204	11	behavior	behavior	NOUN
fsr-3406	204	12	index	index	NOUN
fsr-3406	204	13	)	)	PUNCT
fsr-3406	204	14	is	be	AUX
fsr-3406	204	15	constructed	construct	VERB
fsr-3406	204	16	by	by	ADP
fsr-3406	204	17	scoring	score	VERB
fsr-3406	204	18	the	the	DET
fsr-3406	204	19	respondents	respondent	NOUN
fsr-3406	204	20	’	’	PART
fsr-3406	204	21	answers	answer	NOUN
fsr-3406	204	22	.	.	PUNCT
fsr-3406	205	1	in	in	ADP
fsr-3406	205	2	question	question	NOUN
fsr-3406	205	3	(	(	PUNCT
fsr-3406	205	4	1	1	NUM
fsr-3406	205	5	)	)	PUNCT
fsr-3406	205	6	,	,	PUNCT
fsr-3406	205	7	the	the	DET
fsr-3406	205	8	response	response	NOUN
fsr-3406	205	9	for	for	ADP
fsr-3406	205	10	“	"	PUNCT
fsr-3406	205	11	spending	spend	VERB
fsr-3406	205	12	less	less	ADJ
fsr-3406	205	13	than	than	ADP
fsr-3406	205	14	income	income	NOUN
fsr-3406	205	15	”	"	PUNCT
fsr-3406	205	16	is	be	AUX
fsr-3406	205	17	equal	equal	ADJ
fsr-3406	205	18	to	to	ADP
fsr-3406	205	19	(	(	PUNCT
fsr-3406	205	20	‘	'	PUNCT
fsr-3406	205	21	2	2	NUM
fsr-3406	205	22	’	'	PUNCT
fsr-3406	205	23	)	)	PUNCT
fsr-3406	205	24	,	,	PUNCT
fsr-3406	205	25	for	for	ADP
fsr-3406	205	26	“	"	PUNCT
fsr-3406	205	27	spending	spend	VERB
fsr-3406	205	28	about	about	ADP
fsr-3406	205	29	equal	equal	ADJ
fsr-3406	205	30	to	to	ADP
fsr-3406	205	31	income	income	NOUN
fsr-3406	205	32	,	,	PUNCT
fsr-3406	205	33	”	"	PUNCT
fsr-3406	205	34	(	(	PUNCT
fsr-3406	205	35	‘	'	PUNCT
fsr-3406	205	36	1	1	NUM
fsr-3406	205	37	’	'	PUNCT
fsr-3406	205	38	)	)	PUNCT
fsr-3406	205	39	,	,	PUNCT
fsr-3406	205	40	and	and	CCONJ
fsr-3406	205	41	for	for	ADP
fsr-3406	205	42	“	"	PUNCT
fsr-3406	205	43	spending	spend	VERB
fsr-3406	205	44	more	more	ADJ
fsr-3406	205	45	than	than	ADP
fsr-3406	205	46	income	income	NOUN
fsr-3406	205	47	,	,	PUNCT
fsr-3406	205	48	“	"	PUNCT
fsr-3406	205	49	(	(	PUNCT
fsr-3406	205	50	‘	'	PUNCT
fsr-3406	205	51	0	0	NUM
fsr-3406	205	52	’	'	PUNCT
fsr-3406	205	53	)	)	PUNCT
fsr-3406	205	54	.	.	PUNCT
fsr-3406	206	1	for	for	ADP
fsr-3406	206	2	questions	question	NOUN
fsr-3406	206	3	(	(	PUNCT
fsr-3406	206	4	3	3	NUM
fsr-3406	206	5	)	)	PUNCT
fsr-3406	206	6	to	to	ADP
fsr-3406	206	7	(	(	PUNCT
fsr-3406	206	8	7	7	NUM
fsr-3406	206	9	)	)	PUNCT
fsr-3406	206	10	,	,	PUNCT
fsr-3406	206	11	except	except	SCONJ
fsr-3406	206	12	question	question	NOUN
fsr-3406	206	13	(	(	PUNCT
fsr-3406	206	14	6	6	NUM
fsr-3406	206	15	)	)	PUNCT
fsr-3406	206	16	,	,	PUNCT
fsr-3406	206	17	a	a	DET
fsr-3406	206	18	“	"	PUNCT
fsr-3406	206	19	yes	yes	INTJ
fsr-3406	206	20	”	"	PUNCT
fsr-3406	206	21	is	be	AUX
fsr-3406	206	22	scored	score	VERB
fsr-3406	206	23	as	as	ADP
fsr-3406	206	24	(	(	PUNCT
fsr-3406	206	25	‘	'	PUNCT
fsr-3406	206	26	1	1	NUM
fsr-3406	206	27	’	'	PUNCT
fsr-3406	206	28	)	)	PUNCT
fsr-3406	206	29	,	,	PUNCT
fsr-3406	206	30	and	and	CCONJ
fsr-3406	206	31	a	a	DET
fsr-3406	206	32	“	"	PUNCT
fsr-3406	206	33	no	no	NOUN
fsr-3406	206	34	”	"	PUNCT
fsr-3406	206	35	is	be	AUX
fsr-3406	206	36	scored	score	VERB
fsr-3406	206	37	as	as	ADP
fsr-3406	206	38	(	(	PUNCT
fsr-3406	206	39	‘	'	PUNCT
fsr-3406	206	40	0	0	NUM
fsr-3406	206	41	’	'	PUNCT
fsr-3406	206	42	)	)	PUNCT
fsr-3406	206	43	.	.	PUNCT
fsr-3406	207	1	for	for	ADP
fsr-3406	207	2	questions	question	NOUN
fsr-3406	207	3	(	(	PUNCT
fsr-3406	207	4	2	2	NUM
fsr-3406	207	5	)	)	PUNCT
fsr-3406	207	6	and	and	CCONJ
fsr-3406	207	7	(	(	PUNCT
fsr-3406	207	8	6	6	NUM
fsr-3406	207	9	)	)	PUNCT
fsr-3406	207	10	a	a	DET
fsr-3406	207	11	“	"	PUNCT
fsr-3406	207	12	no	no	NOUN
fsr-3406	207	13	”	"	PUNCT
fsr-3406	207	14	takes	take	VERB
fsr-3406	207	15	on	on	ADP
fsr-3406	207	16	a	a	DET
fsr-3406	207	17	value	value	NOUN
fsr-3406	207	18	of	of	ADP
fsr-3406	207	19	(	(	PUNCT
fsr-3406	207	20	‘	'	PUNCT
fsr-3406	207	21	1	1	NUM
fsr-3406	207	22	’	'	PUNCT
fsr-3406	207	23	)	)	PUNCT
fsr-3406	207	24	,	,	PUNCT
fsr-3406	207	25	and	and	CCONJ
fsr-3406	207	26	a	a	DET
fsr-3406	207	27	“	"	PUNCT
fsr-3406	207	28	yes	yes	INTJ
fsr-3406	207	29	”	"	PUNCT
fsr-3406	207	30	on	on	ADP
fsr-3406	207	31	a	a	DET
fsr-3406	207	32	value	value	NOUN
fsr-3406	207	33	of	of	ADP
fsr-3406	207	34	(	(	PUNCT
fsr-3406	207	35	‘	'	PUNCT
fsr-3406	207	36	0	0	NUM
fsr-3406	207	37	’	'	PUNCT
fsr-3406	207	38	)	)	PUNCT
fsr-3406	207	39	.	.	PUNCT
fsr-3406	208	1	all	all	DET
fsr-3406	208	2	the	the	DET
fsr-3406	208	3	valid	valid	ADJ
fsr-3406	208	4	scores	score	NOUN
fsr-3406	208	5	from	from	ADP
fsr-3406	208	6	the	the	DET
fsr-3406	208	7	fbi	fbi	PROPN
fsr-3406	208	8	are	be	AUX
fsr-3406	208	9	summed	sum	VERB
fsr-3406	208	10	and	and	CCONJ
fsr-3406	208	11	then	then	ADV
fsr-3406	208	12	divided	divide	VERB
fsr-3406	208	13	by	by	ADP
fsr-3406	208	14	7	7	NUM
fsr-3406	208	15	.	.	PUNCT
fsr-3406	209	1	for	for	ADP
fsr-3406	209	2	those	those	PRON
fsr-3406	209	3	that	that	PRON
fsr-3406	209	4	are	be	AUX
fsr-3406	209	5	missing	miss	VERB
fsr-3406	209	6	,	,	PUNCT
fsr-3406	209	7	the	the	DET
fsr-3406	209	8	authors	author	NOUN
fsr-3406	209	9	equated	equate	VERB
fsr-3406	209	10	that	that	SCONJ
fsr-3406	209	11	to	to	PART
fsr-3406	209	12	not	not	PART
fsr-3406	209	13	practicing	practice	VERB
fsr-3406	209	14	positive	positive	ADJ
fsr-3406	209	15	financial	financial	ADJ
fsr-3406	209	16	behavior	behavior	NOUN
fsr-3406	209	17	.	.	PUNCT
fsr-3406	210	1	the	the	DET
fsr-3406	210	2	authors	author	NOUN
fsr-3406	210	3	separately	separately	ADV
fsr-3406	210	4	analyzed	analyze	VERB
fsr-3406	210	5	the	the	DET
fsr-3406	210	6	findings	finding	NOUN
fsr-3406	210	7	by	by	ADP
fsr-3406	210	8	dropping	drop	VERB
fsr-3406	210	9	those	those	PRON
fsr-3406	210	10	with	with	ADP
fsr-3406	210	11	missing	miss	VERB
fsr-3406	210	12	financial	financial	ADJ
fsr-3406	210	13	behavior	behavior	NOUN
fsr-3406	210	14	questions	question	NOUN
fsr-3406	210	15	;	;	PUNCT
fsr-3406	210	16	the	the	DET
fsr-3406	210	17	results	result	NOUN
fsr-3406	210	18	are	be	AUX
fsr-3406	210	19	very	very	ADV
fsr-3406	210	20	similar	similar	ADJ
fsr-3406	210	21	.	.	PUNCT
fsr-3406	211	1	table	table	NOUN
fsr-3406	211	2	3	3	NUM
fsr-3406	211	3	provides	provide	VERB
fsr-3406	211	4	a	a	DET
fsr-3406	211	5	list	list	NOUN
fsr-3406	211	6	of	of	ADP
fsr-3406	211	7	each	each	DET
fsr-3406	211	8	dependent	dependent	ADJ
fsr-3406	211	9	and	and	CCONJ
fsr-3406	211	10	independent	independent	ADJ
fsr-3406	211	11	variable	variable	NOUN
fsr-3406	211	12	that	that	PRON
fsr-3406	211	13	is	be	AUX
fsr-3406	211	14	used	use	VERB
fsr-3406	211	15	in	in	ADP
fsr-3406	211	16	this	this	DET
fsr-3406	211	17	study	study	NOUN
fsr-3406	211	18	.	.	PUNCT
fsr-3406	212	1	the	the	DET
fsr-3406	212	2	whole	whole	ADJ
fsr-3406	212	3	sample	sample	NOUN
fsr-3406	212	4	is	be	AUX
fsr-3406	212	5	comprised	comprise	VERB
fsr-3406	212	6	of	of	ADP
fsr-3406	212	7	27,564	27,564	NUM
fsr-3406	212	8	respondents	respondent	NOUN
fsr-3406	212	9	.	.	PUNCT
fsr-3406	213	1	we	we	PRON
fsr-3406	213	2	also	also	ADV
fsr-3406	213	3	present	present	VERB
fsr-3406	213	4	a	a	DET
fsr-3406	213	5	cross	cross	NOUN
fsr-3406	213	6	tabulation	tabulation	NOUN
fsr-3406	213	7	of	of	ADP
fsr-3406	213	8	our	our	PRON
fsr-3406	213	9	independent	independent	ADJ
fsr-3406	213	10	variables	variable	NOUN
fsr-3406	213	11	using	use	VERB
fsr-3406	213	12	our	our	PRON
fsr-3406	213	13	financial	financial	ADJ
fsr-3406	213	14	distress	distress	NOUN
fsr-3406	213	15	measurements	measurement	NOUN
fsr-3406	213	16	.	.	PUNCT
fsr-3406	214	1	we	we	PRON
fsr-3406	214	2	find	find	VERB
fsr-3406	214	3	that	that	SCONJ
fsr-3406	214	4	45	45	NUM
fsr-3406	214	5	%	%	NOUN
fsr-3406	214	6	of	of	ADP
fsr-3406	214	7	the	the	DET
fsr-3406	214	8	respondents	respondent	NOUN
fsr-3406	214	9	are	be	AUX
fsr-3406	214	10	male	male	ADJ
fsr-3406	214	11	,	,	PUNCT
fsr-3406	214	12	55	55	NUM
fsr-3406	214	13	�	�	PROPN
fsr-3406	214	14	years	year	NOUN
fsr-3406	214	15	old	old	ADJ
fsr-3406	214	16	(	(	PUNCT
fsr-3406	214	17	36	36	NUM
fsr-3406	214	18	%	%	NOUN
fsr-3406	214	19	)	)	PUNCT
fsr-3406	214	20	,	,	PUNCT
fsr-3406	214	21	white	white	X
fsr-3406	214	22	(	(	PUNCT
fsr-3406	214	23	excluding	exclude	VERB
fsr-3406	214	24	hispanics	hispanic	NOUN
fsr-3406	214	25	;	;	PUNCT
fsr-3406	214	26	72	72	NUM
fsr-3406	214	27	%	%	NOUN
fsr-3406	214	28	)	)	PUNCT
fsr-3406	214	29	,	,	PUNCT
fsr-3406	214	30	living	live	VERB
fsr-3406	214	31	in	in	ADP
fsr-3406	214	32	the	the	DET
fsr-3406	214	33	southern	southern	ADJ
fsr-3406	214	34	region	region	NOUN
fsr-3406	214	35	of	of	ADP
fsr-3406	214	36	the	the	DET
fsr-3406	214	37	united	united	PROPN
fsr-3406	214	38	states	states	PROPN
fsr-3406	214	39	(	(	PUNCT
fsr-3406	214	40	33	33	NUM
fsr-3406	214	41	%	%	NOUN
fsr-3406	214	42	)	)	PUNCT
fsr-3406	214	43	.	.	PUNCT
fsr-3406	215	1	most	most	ADJ
fsr-3406	215	2	respondents	respondent	NOUN
fsr-3406	215	3	are	be	AUX
fsr-3406	215	4	married	married	ADJ
fsr-3406	215	5	(	(	PUNCT
fsr-3406	215	6	54	54	NUM
fsr-3406	215	7	%	%	NOUN
fsr-3406	215	8	)	)	PUNCT
fsr-3406	215	9	without	without	ADP
fsr-3406	215	10	dependent	dependent	ADJ
fsr-3406	215	11	children	child	NOUN
fsr-3406	215	12	(	(	PUNCT
fsr-3406	215	13	63	63	NUM
fsr-3406	215	14	%	%	NOUN
fsr-3406	215	15	)	)	PUNCT
fsr-3406	215	16	.	.	PUNCT
fsr-3406	216	1	almost	almost	ADV
fsr-3406	216	2	half	half	NOUN
fsr-3406	216	3	of	of	ADP
fsr-3406	216	4	those	those	PRON
fsr-3406	216	5	surveyed	survey	VERB
fsr-3406	216	6	(	(	PUNCT
fsr-3406	216	7	49	49	NUM
fsr-3406	216	8	%	%	NOUN
fsr-3406	216	9	)	)	PUNCT
fsr-3406	216	10	work	work	NOUN
fsr-3406	216	11	for	for	ADP
fsr-3406	216	12	an	an	DET
fsr-3406	216	13	employer	employer	NOUN
fsr-3406	216	14	,	,	PUNCT
fsr-3406	216	15	and	and	CCONJ
fsr-3406	216	16	more	more	ADJ
fsr-3406	216	17	than	than	ADP
fsr-3406	216	18	34	34	NUM
fsr-3406	216	19	%	%	NOUN
fsr-3406	216	20	have	have	VERB
fsr-3406	216	21	an	an	DET
fsr-3406	216	22	annual	annual	ADJ
fsr-3406	216	23	income	income	NOUN
fsr-3406	216	24	that	that	PRON
fsr-3406	216	25	ranges	range	VERB
fsr-3406	216	26	between	between	ADP
fsr-3406	216	27	$	$	SYM
fsr-3406	216	28	50,000	50,000	NUM
fsr-3406	216	29	and	and	CCONJ
fsr-3406	216	30	$	$	SYM
fsr-3406	216	31	100,000	100,000	NUM
fsr-3406	216	32	,	,	PUNCT
fsr-3406	216	33	and	and	CCONJ
fsr-3406	216	34	21	21	NUM
fsr-3406	216	35	%	%	NOUN
fsr-3406	216	36	stated	state	VERB
fsr-3406	216	37	that	that	SCONJ
fsr-3406	216	38	they	they	PRON
fsr-3406	216	39	recently	recently	ADV
fsr-3406	216	40	experienced	experience	VERB
fsr-3406	216	41	a	a	DET
fsr-3406	216	42	decline	decline	NOUN
fsr-3406	216	43	in	in	ADP
fsr-3406	216	44	income	income	NOUN
fsr-3406	216	45	.	.	PUNCT
fsr-3406	217	1	as	as	SCONJ
fsr-3406	217	2	expected	expect	VERB
fsr-3406	217	3	,	,	PUNCT
fsr-3406	217	4	those	those	PRON
fsr-3406	217	5	who	who	PRON
fsr-3406	217	6	had	have	VERB
fsr-3406	217	7	lower	low	ADJ
fsr-3406	217	8	income	income	NOUN
fsr-3406	217	9	or	or	CCONJ
fsr-3406	217	10	recently	recently	ADV
fsr-3406	217	11	experienced	experience	VERB
fsr-3406	217	12	a	a	DET
fsr-3406	217	13	decrease	decrease	NOUN
fsr-3406	217	14	in	in	ADP
fsr-3406	217	15	income	income	NOUN
fsr-3406	217	16	made	make	VERB
fsr-3406	217	17	up	up	ADP
fsr-3406	217	18	a	a	DET
fsr-3406	217	19	greater	great	ADJ
fsr-3406	217	20	portion	portion	NOUN
fsr-3406	217	21	of	of	ADP
fsr-3406	217	22	respondents	respondent	NOUN
fsr-3406	217	23	who	who	PRON
fsr-3406	217	24	indicated	indicate	VERB
fsr-3406	217	25	that	that	SCONJ
fsr-3406	217	26	they	they	PRON
fsr-3406	217	27	recently	recently	ADV
fsr-3406	217	28	had	have	VERB
fsr-3406	217	29	difficulty	difficulty	NOUN
fsr-3406	217	30	paying	pay	VERB
fsr-3406	217	31	bills	bill	NOUN
fsr-3406	217	32	.	.	PUNCT
fsr-3406	218	1	those	those	DET
fsr-3406	218	2	401j.k	401j.k	NOUN
fsr-3406	218	3	.	.	PUNCT
fsr-3406	219	1	scott	scott	PROPN
fsr-3406	219	2	et	et	PROPN
fsr-3406	219	3	al	al	PROPN
fsr-3406	219	4	.	.	PUNCT
fsr-3406	219	5	/	/	SYM
fsr-3406	219	6	financial	financial	ADJ
fsr-3406	219	7	services	service	NOUN
fsr-3406	219	8	review	review	VERB
fsr-3406	219	9	27	27	NUM
fsr-3406	219	10	(	(	PUNCT
fsr-3406	219	11	2018	2018	NUM
fsr-3406	219	12	)	)	PUNCT
fsr-3406	219	13	391	391	NUM
fsr-3406	219	14	-	-	SYM
fsr-3406	219	15	411	411	NUM
fsr-3406	219	16	who	who	PRON
fsr-3406	219	17	demonstrated	demonstrate	VERB
fsr-3406	219	18	a	a	DET
fsr-3406	219	19	lower	low	ADJ
fsr-3406	219	20	level	level	NOUN
fsr-3406	219	21	of	of	ADP
fsr-3406	219	22	financial	financial	ADJ
fsr-3406	219	23	literacy	literacy	NOUN
fsr-3406	219	24	and	and	CCONJ
fsr-3406	219	25	scored	score	VERB
fsr-3406	219	26	lower	lower	ADV
fsr-3406	219	27	on	on	ADP
fsr-3406	219	28	the	the	DET
fsr-3406	219	29	financial	financial	ADJ
fsr-3406	219	30	behavior	behavior	NOUN
fsr-3406	219	31	index	index	NOUN
fsr-3406	219	32	scale	scale	NOUN
fsr-3406	219	33	,	,	PUNCT
fsr-3406	219	34	also	also	ADV
fsr-3406	219	35	had	have	AUX
fsr-3406	219	36	a	a	DET
fsr-3406	219	37	difficult	difficult	ADJ
fsr-3406	219	38	time	time	NOUN
fsr-3406	219	39	paying	pay	VERB
fsr-3406	219	40	bills	bill	NOUN
fsr-3406	219	41	.	.	PUNCT
fsr-3406	220	1	4	4	X
fsr-3406	220	2	.	.	X
fsr-3406	220	3	model	model	NOUN
fsr-3406	220	4	and	and	CCONJ
fsr-3406	220	5	methodology	methodology	NOUN
fsr-3406	220	6	4.1	4.1	NUM
fsr-3406	220	7	.	.	PUNCT
fsr-3406	221	1	multivariate	multivariate	VERB
fsr-3406	221	2	analysis	analysis	NOUN
fsr-3406	221	3	to	to	PART
fsr-3406	221	4	investigate	investigate	VERB
fsr-3406	221	5	the	the	DET
fsr-3406	221	6	relation	relation	NOUN
fsr-3406	221	7	between	between	ADP
fsr-3406	221	8	financial	financial	ADJ
fsr-3406	221	9	literacy	literacy	NOUN
fsr-3406	221	10	,	,	PUNCT
fsr-3406	221	11	financial	financial	ADJ
fsr-3406	221	12	behavior	behavior	NOUN
fsr-3406	221	13	,	,	PUNCT
fsr-3406	221	14	and	and	CCONJ
fsr-3406	221	15	financial	financial	ADJ
fsr-3406	221	16	distress	distress	NOUN
fsr-3406	221	17	,	,	PUNCT
fsr-3406	221	18	we	we	PRON
fsr-3406	221	19	use	use	VERB
fsr-3406	221	20	a	a	DET
fsr-3406	221	21	multinomial	multinomial	ADJ
fsr-3406	221	22	logistic	logistic	ADJ
fsr-3406	221	23	regression	regression	NOUN
fsr-3406	221	24	model	model	NOUN
fsr-3406	221	25	.	.	PUNCT
fsr-3406	222	1	our	our	PRON
fsr-3406	222	2	model	model	NOUN
fsr-3406	222	3	takes	take	VERB
fsr-3406	222	4	into	into	ADP
fsr-3406	222	5	consideration	consideration	NOUN
fsr-3406	222	6	respondents	respondent	NOUN
fsr-3406	222	7	’	'	PUNCT
fsr-3406	222	8	socioeconomic	socioeconomic	ADJ
fsr-3406	222	9	characteristics	characteristic	NOUN
fsr-3406	222	10	,	,	PUNCT
fsr-3406	222	11	in	in	ADP
fsr-3406	222	12	addition	addition	NOUN
fsr-3406	222	13	to	to	ADP
fsr-3406	222	14	experiencing	experience	VERB
fsr-3406	222	15	an	an	DET
fsr-3406	222	16	unexpectedly	unexpectedly	ADV
fsr-3406	222	17	large	large	ADJ
fsr-3406	222	18	drop	drop	NOUN
fsr-3406	222	19	in	in	ADP
fsr-3406	222	20	income	income	NOUN
fsr-3406	222	21	.	.	PUNCT
fsr-3406	223	1	the	the	DET
fsr-3406	223	2	dependent	dependent	ADJ
fsr-3406	223	3	variable	variable	NOUN
fsr-3406	223	4	is	be	AUX
fsr-3406	223	5	the	the	DET
fsr-3406	223	6	likelihood	likelihood	NOUN
fsr-3406	223	7	of	of	ADP
fsr-3406	223	8	a	a	DET
fsr-3406	223	9	respondent	respondent	NOUN
fsr-3406	223	10	being	be	AUX
fsr-3406	223	11	financially	financially	ADV
fsr-3406	223	12	distressed	distressed	ADJ
fsr-3406	223	13	,	,	PUNCT
fsr-3406	223	14	taking	take	VERB
fsr-3406	223	15	on	on	ADP
fsr-3406	223	16	a	a	DET
fsr-3406	223	17	value	value	NOUN
fsr-3406	223	18	of	of	ADP
fsr-3406	223	19	(	(	PUNCT
fsr-3406	223	20	‘	'	PUNCT
fsr-3406	223	21	1	1	NUM
fsr-3406	223	22	’	'	PUNCT
fsr-3406	223	23	)	)	PUNCT
fsr-3406	224	1	(	(	PUNCT
fsr-3406	224	2	yi	yi	X
fsr-3406	224	3	�	�	PROPN
fsr-3406	224	4	1	1	NUM
fsr-3406	224	5	)	)	PUNCT
fsr-3406	224	6	if	if	SCONJ
fsr-3406	224	7	the	the	DET
fsr-3406	224	8	respondent	respondent	NOUN
fsr-3406	224	9	:	:	PUNCT
fsr-3406	224	10	(	(	PUNCT
fsr-3406	224	11	1	1	X
fsr-3406	224	12	)	)	PUNCT
fsr-3406	224	13	has	have	VERB
fsr-3406	224	14	difficulty	difficulty	NOUN
fsr-3406	224	15	paying	pay	VERB
fsr-3406	224	16	bills	bill	NOUN
fsr-3406	224	17	;	;	PUNCT
fsr-3406	224	18	(	(	PUNCT
fsr-3406	224	19	2	2	X
fsr-3406	224	20	)	)	PUNCT
fsr-3406	224	21	is	be	AUX
fsr-3406	224	22	table	table	NOUN
fsr-3406	224	23	3	3	NUM
fsr-3406	224	24	descriptive	descriptive	ADJ
fsr-3406	224	25	statistics	statistic	NOUN
fsr-3406	224	26	(	(	PUNCT
fsr-3406	224	27	control	control	NOUN
fsr-3406	224	28	variables	variable	NOUN
fsr-3406	224	29	)	)	PUNCT
fsr-3406	224	30	name	name	NOUN
fsr-3406	224	31	value	value	NOUN
fsr-3406	224	32	n	n	CCONJ
fsr-3406	224	33	prob	prob	NOUN
fsr-3406	224	34	mean	mean	NOUN
fsr-3406	224	35	of	of	ADP
fsr-3406	224	36	financial	financial	ADJ
fsr-3406	224	37	distress	distress	NOUN
fsr-3406	224	38	dummy	dummy	ADJ
fsr-3406	224	39	bill	bill	NOUN
fsr-3406	224	40	pay	pay	VERB
fsr-3406	224	41	retirement	retirement	NOUN
fsr-3406	224	42	mortgage	mortgage	NOUN
fsr-3406	224	43	male	male	NOUN
fsr-3406	224	44	12,293	12,293	NUM
fsr-3406	224	45	44.60	44.60	NUM
fsr-3406	224	46	0.424	0.424	NUM
fsr-3406	224	47	0.344	0.344	NUM
fsr-3406	224	48	0.053	0.053	NUM
fsr-3406	224	49	age	age	NOUN
fsr-3406	224	50	35–54	35–54	NUM
fsr-3406	224	51	9,613	9,613	NUM
fsr-3406	224	52	34.88	34.88	NUM
fsr-3406	224	53	0.521	0.521	NUM
fsr-3406	224	54	0.310	0.310	NUM
fsr-3406	224	55	0.072	0.072	NUM
fsr-3406	224	56	age	age	NOUN
fsr-3406	224	57	55	55	NUM
fsr-3406	224	58	9,888	9,888	NUM
fsr-3406	224	59	35.87	35.87	NUM
fsr-3406	224	60	0.381	0.381	NUM
fsr-3406	224	61	0.321	0.321	NUM
fsr-3406	224	62	0.023	0.023	NUM
fsr-3406	224	63	white	white	ADJ
fsr-3406	224	64	19,836	19,836	NUM
fsr-3406	224	65	71.96	71.96	NUM
fsr-3406	224	66	0.462	0.462	NUM
fsr-3406	224	67	0.331	0.331	NUM
fsr-3406	224	68	0.048	0.048	NUM
fsr-3406	224	69	south	south	NOUN
fsr-3406	224	70	9,027	9,027	NUM
fsr-3406	224	71	32.75	32.75	NUM
fsr-3406	224	72	0.51	0.51	NUM
fsr-3406	224	73	0.334	0.334	NUM
fsr-3406	224	74	0.058	0.058	NUM
fsr-3406	224	75	dependent	dependent	ADJ
fsr-3406	224	76	children	child	NOUN
fsr-3406	224	77	10,066	10,066	NUM
fsr-3406	224	78	36.52	36.52	NUM
fsr-3406	224	79	0.561	0.561	NUM
fsr-3406	224	80	0.313	0.313	NUM
fsr-3406	224	81	0.098	0.098	NUM
fsr-3406	224	82	married	marry	VERB
fsr-3406	224	83	15,007	15,007	NUM
fsr-3406	224	84	54.44	54.44	NUM
fsr-3406	224	85	0.42	0.42	NUM
fsr-3406	224	86	0.329	0.329	NUM
fsr-3406	224	87	0.065	0.065	NUM
fsr-3406	224	88	sdw	sdw	PROPN
fsr-3406	224	89	4,449	4,449	NUM
fsr-3406	224	90	16.14	16.14	NUM
fsr-3406	224	91	0.554	0.554	NUM
fsr-3406	224	92	0.312	0.312	NUM
fsr-3406	224	93	0.036	0.036	NUM
fsr-3406	224	94	income	income	NOUN
fsr-3406	224	95	50–100k	50–100k	NUM
fsr-3406	224	96	9,395	9,395	NUM
fsr-3406	224	97	34.08	34.08	NUM
fsr-3406	224	98	0.40	0.40	NUM
fsr-3406	224	99	0.335	0.335	NUM
fsr-3406	224	100	0.070	0.070	NUM
fsr-3406	224	101	income	income	NOUN
fsr-3406	224	102	�	�	NOUN
fsr-3406	224	103	100k	100k	VERB
fsr-3406	224	104	4,981	4,981	NUM
fsr-3406	224	105	18.07	18.07	NUM
fsr-3406	224	106	0.227	0.227	NUM
fsr-3406	224	107	0.322	0.322	NUM
fsr-3406	224	108	0.049	0.049	NUM
fsr-3406	224	109	unemployed	unemployed	ADJ
fsr-3406	224	110	1,556	1,556	NUM
fsr-3406	224	111	5.65	5.65	NUM
fsr-3406	224	112	0.701	0.701	NUM
fsr-3406	224	113	0.308	0.308	NUM
fsr-3406	224	114	0.040	0.040	NUM
fsr-3406	224	115	self	self	NOUN
fsr-3406	224	116	employed	employ	VERB
fsr-3406	224	117	1,985	1,985	NUM
fsr-3406	224	118	7.20	7.20	NUM
fsr-3406	224	119	0.506	0.506	NUM
fsr-3406	224	120	0.323	0.323	NUM
fsr-3406	224	121	0.065	0.065	NUM
fsr-3406	224	122	inactive	inactive	ADJ
fsr-3406	224	123	5,068	5,068	NUM
fsr-3406	224	124	18.39	18.39	NUM
fsr-3406	224	125	0.605	0.605	NUM
fsr-3406	224	126	0.341	0.341	NUM
fsr-3406	224	127	0.044	0.044	NUM
fsr-3406	224	128	drop	drop	NOUN
fsr-3406	224	129	in	in	ADP
fsr-3406	224	130	income	income	NOUN
fsr-3406	224	131	5,870	5,870	NUM
fsr-3406	224	132	21.30	21.30	NUM
fsr-3406	224	133	0.778	0.778	NUM
fsr-3406	224	134	0.240	0.240	NUM
fsr-3406	224	135	0.123	0.123	NUM
fsr-3406	224	136	fli	fli	NOUN
fsr-3406	224	137	0	0	NUM
fsr-3406	224	138	1,886	1,886	NUM
fsr-3406	224	139	6.84	6.84	NUM
fsr-3406	224	140	0.575	0.575	NUM
fsr-3406	224	141	0.367	0.367	NUM
fsr-3406	224	142	0.048	0.048	NUM
fsr-3406	224	143	fli	fli	NOUN
fsr-3406	224	144	0.2	0.2	NUM
fsr-3406	224	145	3,163	3,163	NUM
fsr-3406	224	146	11.48	11.48	NUM
fsr-3406	224	147	0.604	0.604	NUM
fsr-3406	224	148	0.329	0.329	NUM
fsr-3406	224	149	0.079	0.079	NUM
fsr-3406	224	150	fli	fli	NOUN
fsr-3406	224	151	0.4	0.4	NUM
fsr-3406	224	152	5,048	5,048	NUM
fsr-3406	224	153	18.31	18.31	NUM
fsr-3406	224	154	0.595	0.595	NUM
fsr-3406	224	155	0.326	0.326	NUM
fsr-3406	224	156	0.078	0.078	NUM
fsr-3406	224	157	fli	fli	NOUN
fsr-3406	224	158	0.6	0.6	NUM
fsr-3406	224	159	6,286	6,286	NUM
fsr-3406	224	160	22.81	22.81	NUM
fsr-3406	224	161	0.516	0.516	NUM
fsr-3406	224	162	0.329	0.329	NUM
fsr-3406	224	163	0.049	0.049	NUM
fsr-3406	224	164	fli	fli	NOUN
fsr-3406	224	165	0.8	0.8	NUM
fsr-3406	224	166	6,677	6,677	NUM
fsr-3406	224	167	24.22	24.22	NUM
fsr-3406	224	168	0.419	0.419	NUM
fsr-3406	224	169	0.338	0.338	NUM
fsr-3406	224	170	0.039	0.039	NUM
fsr-3406	224	171	fli	fli	NOUN
fsr-3406	224	172	1	1	NUM
fsr-3406	224	173	4,504	4,504	NUM
fsr-3406	224	174	16.34	16.34	NUM
fsr-3406	224	175	0.296	0.296	NUM
fsr-3406	224	176	0.321	0.321	NUM
fsr-3406	224	177	0.029	0.029	NUM
fsr-3406	224	178	fbi	fbi	PROPN
fsr-3406	224	179	0	0	NUM
fsr-3406	224	180	32	32	NUM
fsr-3406	224	181	0.12	0.12	NUM
fsr-3406	224	182	0.938	0.938	NUM
fsr-3406	224	183	0.344	0.344	NUM
fsr-3406	224	184	0.156	0.156	NUM
fsr-3406	224	185	fbi	fbi	PROPN
fsr-3406	224	186	0.14	0.14	NUM
fsr-3406	224	187	399	399	NUM
fsr-3406	224	188	1.45	1.45	NUM
fsr-3406	224	189	0.875	0.875	NUM
fsr-3406	224	190	0.268	0.268	NUM
fsr-3406	224	191	0.155	0.155	NUM
fsr-3406	224	192	fbi	fbi	PROPN
fsr-3406	224	193	0.29	0.29	NUM
fsr-3406	224	194	1,287	1,287	NUM
fsr-3406	224	195	4.67	4.67	NUM
fsr-3406	224	196	0.830	0.830	NUM
fsr-3406	224	197	0.293	0.293	NUM
fsr-3406	224	198	0.124	0.124	NUM
fsr-3406	224	199	fbi	fbi	PROPN
fsr-3406	224	200	0.43	0.43	NUM
fsr-3406	224	201	2,781	2,781	NUM
fsr-3406	224	202	10.09	10.09	NUM
fsr-3406	224	203	0.724	0.724	NUM
fsr-3406	224	204	0.306	0.306	NUM
fsr-3406	224	205	0.099	0.099	NUM
fsr-3406	224	206	fbi	fbi	PROPN
fsr-3406	224	207	0.57	0.57	NUM
fsr-3406	224	208	3,406	3,406	NUM
fsr-3406	224	209	12.36	12.36	NUM
fsr-3406	224	210	0.583	0.583	NUM
fsr-3406	224	211	0.320	0.320	NUM
fsr-3406	224	212	0.097	0.097	NUM
fsr-3406	224	213	fbi	fbi	PROPN
fsr-3406	224	214	0.71	0.71	NUM
fsr-3406	224	215	3,155	3,155	NUM
fsr-3406	224	216	11.45	11.45	NUM
fsr-3406	224	217	0.426	0.426	NUM
fsr-3406	224	218	0.352	0.352	NUM
fsr-3406	224	219	0.061	0.061	NUM
fsr-3406	224	220	fbi	fbi	PROPN
fsr-3406	224	221	0.86	0.86	NUM
fsr-3406	224	222	2,996	2,996	NUM
fsr-3406	224	223	10.87	10.87	NUM
fsr-3406	224	224	0.209	0.209	NUM
fsr-3406	224	225	0.381	0.381	NUM
fsr-3406	224	226	0.017	0.017	NUM
fsr-3406	224	227	fbi	fbi	PROPN
fsr-3406	224	228	1	1	NUM
fsr-3406	224	229	2,027	2,027	NUM
fsr-3406	224	230	7.35	7.35	NUM
fsr-3406	224	231	0.096	0.096	NUM
fsr-3406	224	232	0.344	0.344	NUM
fsr-3406	224	233	0.008	0.008	NUM
fsr-3406	224	234	fbi	fbi	PROPN
fsr-3406	224	235	na	na	ADP
fsr-3406	224	236	11,481	11,481	NUM
fsr-3406	224	237	41.65	41.65	NUM
fsr-3406	224	238	0.502	0.502	NUM
fsr-3406	224	239	0.328	0.328	NUM
fsr-3406	224	240	0.029	0.029	NUM
fsr-3406	224	241	note	note	NOUN
fsr-3406	224	242	:	:	PUNCT
fsr-3406	224	243	fli	fli	PROPN
fsr-3406	224	244	�	�	PROPN
fsr-3406	224	245	financial	financial	ADJ
fsr-3406	224	246	knowledge	knowledge	PROPN
fsr-3406	224	247	index	index	NOUN
fsr-3406	224	248	;	;	PUNCT
fsr-3406	224	249	fbi	fbi	PROPN
fsr-3406	224	250	�	�	PROPN
fsr-3406	224	251	financial	financial	ADJ
fsr-3406	224	252	behavior	behavior	NOUN
fsr-3406	224	253	index	index	NOUN
fsr-3406	224	254	;	;	PUNCT
fsr-3406	224	255	sdw	sdw	PROPN
fsr-3406	224	256	�	�	PROPN
fsr-3406	224	257	single	single	ADJ
fsr-3406	224	258	,	,	PUNCT
fsr-3406	224	259	divorced	divorce	VERB
fsr-3406	224	260	,	,	PUNCT
fsr-3406	224	261	or	or	CCONJ
fsr-3406	224	262	widowed	widow	VERB
fsr-3406	224	263	.	.	PUNCT
fsr-3406	225	1	402	402	NUM
fsr-3406	225	2	j.k	j.k	PROPN
fsr-3406	225	3	.	.	PROPN
fsr-3406	225	4	scott	scott	PROPN
fsr-3406	225	5	et	et	PROPN
fsr-3406	225	6	al	al	PROPN
fsr-3406	225	7	.	.	PUNCT
fsr-3406	225	8	/	/	SYM
fsr-3406	225	9	financial	financial	ADJ
fsr-3406	225	10	services	service	NOUN
fsr-3406	225	11	review	review	VERB
fsr-3406	225	12	27	27	NUM
fsr-3406	225	13	(	(	PUNCT
fsr-3406	225	14	2018	2018	NUM
fsr-3406	225	15	)	)	PUNCT
fsr-3406	225	16	391	391	NUM
fsr-3406	225	17	-	-	SYM
fsr-3406	225	18	411	411	NUM
fsr-3406	225	19	uncertain	uncertain	ADJ
fsr-3406	225	20	about	about	ADP
fsr-3406	225	21	retirement	retirement	NOUN
fsr-3406	225	22	saving	saving	NOUN
fsr-3406	225	23	,	,	PUNCT
fsr-3406	225	24	or	or	CCONJ
fsr-3406	225	25	(	(	PUNCT
fsr-3406	225	26	3	3	X
fsr-3406	225	27	)	)	PUNCT
fsr-3406	225	28	has	have	AUX
fsr-3406	225	29	been	be	AUX
fsr-3406	225	30	late	late	ADJ
fsr-3406	225	31	with	with	ADP
fsr-3406	225	32	a	a	DET
fsr-3406	225	33	mortgage	mortgage	NOUN
fsr-3406	225	34	payment	payment	NOUN
fsr-3406	225	35	in	in	ADP
fsr-3406	225	36	last	last	ADJ
fsr-3406	225	37	two	two	NUM
fsr-3406	225	38	years	year	NOUN
fsr-3406	225	39	,	,	PUNCT
fsr-3406	225	40	and	and	CCONJ
fsr-3406	225	41	(	(	PUNCT
fsr-3406	225	42	‘	'	PUNCT
fsr-3406	225	43	0	0	NUM
fsr-3406	225	44	’	'	PUNCT
fsr-3406	225	45	)	)	PUNCT
fsr-3406	225	46	otherwise	otherwise	ADV
fsr-3406	225	47	.	.	PUNCT
fsr-3406	226	1	the	the	DET
fsr-3406	226	2	variables	variable	NOUN
fsr-3406	226	3	considered	consider	VERB
fsr-3406	226	4	(	(	PUNCT
fsr-3406	226	5	described	describe	VERB
fsr-3406	226	6	in	in	ADP
fsr-3406	226	7	table	table	NOUN
fsr-3406	226	8	2	2	NUM
fsr-3406	226	9	)	)	PUNCT
fsr-3406	226	10	include	include	VERB
fsr-3406	226	11	gender	gender	NOUN
fsr-3406	226	12	,	,	PUNCT
fsr-3406	226	13	age	age	NOUN
fsr-3406	226	14	,	,	PUNCT
fsr-3406	226	15	race	race	NOUN
fsr-3406	226	16	,	,	PUNCT
fsr-3406	226	17	region	region	NOUN
fsr-3406	226	18	,	,	PUNCT
fsr-3406	226	19	having	have	VERB
fsr-3406	226	20	children	child	NOUN
fsr-3406	226	21	,	,	PUNCT
fsr-3406	226	22	marital	marital	ADJ
fsr-3406	226	23	status	status	NOUN
fsr-3406	226	24	,	,	PUNCT
fsr-3406	226	25	education	education	NOUN
fsr-3406	226	26	,	,	PUNCT
fsr-3406	226	27	income	income	NOUN
fsr-3406	226	28	level	level	NOUN
fsr-3406	226	29	,	,	PUNCT
fsr-3406	226	30	and	and	CCONJ
fsr-3406	226	31	employment	employment	NOUN
fsr-3406	226	32	status	status	NOUN
fsr-3406	226	33	.	.	PUNCT
fsr-3406	227	1	the	the	DET
fsr-3406	227	2	incidence	incidence	NOUN
fsr-3406	227	3	of	of	ADP
fsr-3406	227	4	a	a	DET
fsr-3406	227	5	significant	significant	ADJ
fsr-3406	227	6	drop	drop	NOUN
fsr-3406	227	7	in	in	ADP
fsr-3406	227	8	income	income	NOUN
fsr-3406	227	9	is	be	AUX
fsr-3406	227	10	also	also	ADV
fsr-3406	227	11	considered	consider	VERB
fsr-3406	227	12	.	.	PUNCT
fsr-3406	228	1	we	we	PRON
fsr-3406	228	2	expect	expect	VERB
fsr-3406	228	3	that	that	SCONJ
fsr-3406	228	4	the	the	DET
fsr-3406	228	5	probability	probability	NOUN
fsr-3406	228	6	of	of	ADP
fsr-3406	228	7	financial	financial	ADJ
fsr-3406	228	8	distress	distress	NOUN
fsr-3406	228	9	increases	increase	NOUN
fsr-3406	228	10	if	if	SCONJ
fsr-3406	228	11	respondents	respondent	NOUN
fsr-3406	228	12	are	be	AUX
fsr-3406	228	13	:	:	PUNCT
fsr-3406	228	14	female	female	ADJ
fsr-3406	228	15	,	,	PUNCT
fsr-3406	228	16	younger	young	ADJ
fsr-3406	228	17	,	,	PUNCT
fsr-3406	228	18	have	have	VERB
fsr-3406	228	19	children	child	NOUN
fsr-3406	228	20	,	,	PUNCT
fsr-3406	228	21	are	be	AUX
fsr-3406	228	22	divorced	divorce	VERB
fsr-3406	228	23	or	or	CCONJ
fsr-3406	228	24	separated	separate	VERB
fsr-3406	228	25	,	,	PUNCT
fsr-3406	228	26	within	within	ADP
fsr-3406	228	27	the	the	DET
fsr-3406	228	28	lower	low	ADJ
fsr-3406	228	29	income	income	NOUN
fsr-3406	228	30	bracket	bracket	NOUN
fsr-3406	228	31	,	,	PUNCT
fsr-3406	228	32	are	be	AUX
fsr-3406	228	33	unemployed	unemployed	ADJ
fsr-3406	228	34	,	,	PUNCT
fsr-3406	228	35	and	and	CCONJ
fsr-3406	228	36	have	have	VERB
fsr-3406	228	37	a	a	DET
fsr-3406	228	38	mortgage	mortgage	NOUN
fsr-3406	228	39	.	.	PUNCT
fsr-3406	229	1	as	as	ADP
fsr-3406	229	2	for	for	ADP
fsr-3406	229	3	financial	financial	ADJ
fsr-3406	229	4	literacy	literacy	NOUN
fsr-3406	229	5	and	and	CCONJ
fsr-3406	229	6	financial	financial	ADJ
fsr-3406	229	7	behavior	behavior	NOUN
fsr-3406	229	8	,	,	PUNCT
fsr-3406	229	9	we	we	PRON
fsr-3406	229	10	expect	expect	VERB
fsr-3406	229	11	both	both	PRON
fsr-3406	229	12	to	to	PART
fsr-3406	229	13	have	have	VERB
fsr-3406	229	14	a	a	DET
fsr-3406	229	15	decreasing	decrease	VERB
fsr-3406	229	16	effect	effect	NOUN
fsr-3406	229	17	on	on	ADP
fsr-3406	229	18	the	the	DET
fsr-3406	229	19	probability	probability	NOUN
fsr-3406	229	20	of	of	ADP
fsr-3406	229	21	financial	financial	ADJ
fsr-3406	229	22	distress	distress	NOUN
fsr-3406	229	23	.	.	PUNCT
fsr-3406	230	1	5	5	X
fsr-3406	230	2	.	.	X
fsr-3406	230	3	data	datum	NOUN
fsr-3406	230	4	analysis	analysis	NOUN
fsr-3406	230	5	in	in	ADP
fsr-3406	230	6	table	table	NOUN
fsr-3406	230	7	4	4	NUM
fsr-3406	230	8	,	,	PUNCT
fsr-3406	230	9	panel	panel	NOUN
fsr-3406	230	10	a	a	X
fsr-3406	230	11	,	,	PUNCT
fsr-3406	230	12	we	we	PRON
fsr-3406	230	13	explore	explore	VERB
fsr-3406	230	14	the	the	DET
fsr-3406	230	15	relation	relation	NOUN
fsr-3406	230	16	between	between	ADP
fsr-3406	230	17	our	our	PRON
fsr-3406	230	18	fli	fli	NOUN
fsr-3406	230	19	and	and	CCONJ
fsr-3406	230	20	the	the	DET
fsr-3406	230	21	potential	potential	NOUN
fsr-3406	230	22	for	for	ADP
fsr-3406	230	23	financial	financial	ADJ
fsr-3406	230	24	distress	distress	NOUN
fsr-3406	230	25	because	because	SCONJ
fsr-3406	230	26	of	of	ADP
fsr-3406	230	27	the	the	DET
fsr-3406	230	28	failure	failure	NOUN
fsr-3406	230	29	to	to	PART
fsr-3406	230	30	pay	pay	VERB
fsr-3406	230	31	bills	bill	NOUN
fsr-3406	230	32	on	on	ADP
fsr-3406	230	33	time	time	NOUN
fsr-3406	230	34	.	.	PUNCT
fsr-3406	231	1	our	our	PRON
fsr-3406	231	2	results	result	NOUN
fsr-3406	231	3	show	show	VERB
fsr-3406	231	4	that	that	SCONJ
fsr-3406	231	5	a	a	DET
fsr-3406	231	6	one	one	NUM
fsr-3406	231	7	unit	unit	NOUN
fsr-3406	231	8	increase	increase	NOUN
fsr-3406	231	9	in	in	ADP
fsr-3406	231	10	the	the	DET
fsr-3406	231	11	fli	fli	NOUN
fsr-3406	231	12	is	be	AUX
fsr-3406	231	13	associated	associate	VERB
fsr-3406	231	14	with	with	ADP
fsr-3406	231	15	a	a	DET
fsr-3406	231	16	statistically	statistically	ADV
fsr-3406	231	17	significant	significant	ADJ
fsr-3406	231	18	increase	increase	NOUN
fsr-3406	231	19	in	in	ADP
fsr-3406	231	20	the	the	DET
fsr-3406	231	21	log	log	NOUN
fsr-3406	231	22	odds	odd	NOUN
fsr-3406	231	23	of	of	ADP
fsr-3406	231	24	selecting	select	VERB
fsr-3406	231	25	the	the	DET
fsr-3406	231	26	choices	choice	NOUN
fsr-3406	231	27	of	of	ADP
fsr-3406	231	28	“	"	PUNCT
fsr-3406	231	29	somewhat	somewhat	ADV
fsr-3406	231	30	difficult	difficult	ADJ
fsr-3406	231	31	”	"	PUNCT
fsr-3406	231	32	or	or	CCONJ
fsr-3406	231	33	“	"	PUNCT
fsr-3406	231	34	not	not	PART
fsr-3406	231	35	at	at	ADV
fsr-3406	231	36	all	all	ADV
fsr-3406	231	37	difficult	difficult	ADJ
fsr-3406	231	38	,	,	PUNCT
fsr-3406	231	39	”	"	PUNCT
fsr-3406	231	40	relative	relative	ADJ
fsr-3406	231	41	to	to	ADP
fsr-3406	231	42	those	those	PRON
fsr-3406	231	43	who	who	PRON
fsr-3406	231	44	experienced	experience	VERB
fsr-3406	231	45	a	a	DET
fsr-3406	231	46	very	very	ADV
fsr-3406	231	47	difficult	difficult	ADJ
fsr-3406	231	48	time	time	NOUN
fsr-3406	231	49	paying	pay	VERB
fsr-3406	231	50	their	their	PRON
fsr-3406	231	51	bills	bill	NOUN
fsr-3406	231	52	.	.	PUNCT
fsr-3406	232	1	in	in	ADP
fsr-3406	232	2	other	other	ADJ
fsr-3406	232	3	words	word	NOUN
fsr-3406	232	4	,	,	PUNCT
fsr-3406	232	5	those	those	PRON
fsr-3406	232	6	who	who	PRON
fsr-3406	232	7	demonstrated	demonstrate	VERB
fsr-3406	232	8	a	a	DET
fsr-3406	232	9	higher	high	ADJ
fsr-3406	232	10	level	level	NOUN
fsr-3406	232	11	of	of	ADP
fsr-3406	232	12	financial	financial	ADJ
fsr-3406	232	13	knowledge	knowledge	NOUN
fsr-3406	232	14	,	,	PUNCT
fsr-3406	232	15	while	while	SCONJ
fsr-3406	232	16	controlling	control	VERB
fsr-3406	232	17	for	for	ADP
fsr-3406	232	18	financial	financial	ADJ
fsr-3406	232	19	behavior	behavior	NOUN
fsr-3406	232	20	,	,	PUNCT
fsr-3406	232	21	experienced	experience	VERB
fsr-3406	232	22	less	less	ADJ
fsr-3406	232	23	financial	financial	ADJ
fsr-3406	232	24	distress	distress	NOUN
fsr-3406	232	25	.	.	PUNCT
fsr-3406	233	1	to	to	ADP
fsr-3406	233	2	our	our	PRON
fsr-3406	233	3	knowledge	knowledge	NOUN
fsr-3406	233	4	,	,	PUNCT
fsr-3406	233	5	this	this	PRON
fsr-3406	233	6	is	be	AUX
fsr-3406	233	7	the	the	DET
fsr-3406	233	8	first	first	ADJ
fsr-3406	233	9	study	study	NOUN
fsr-3406	233	10	to	to	PART
fsr-3406	233	11	highlight	highlight	VERB
fsr-3406	233	12	this	this	DET
fsr-3406	233	13	relation	relation	NOUN
fsr-3406	233	14	.	.	PUNCT
fsr-3406	234	1	previous	previous	ADJ
fsr-3406	234	2	studies	study	NOUN
fsr-3406	234	3	primarily	primarily	ADV
fsr-3406	234	4	focused	focus	VERB
fsr-3406	234	5	on	on	ADP
fsr-3406	234	6	the	the	DET
fsr-3406	234	7	association	association	NOUN
fsr-3406	234	8	between	between	ADP
fsr-3406	234	9	financial	financial	ADJ
fsr-3406	234	10	behavior	behavior	NOUN
fsr-3406	234	11	and	and	CCONJ
fsr-3406	234	12	financial	financial	ADJ
fsr-3406	234	13	literacy	literacy	NOUN
fsr-3406	234	14	.	.	PUNCT
fsr-3406	235	1	using	use	VERB
fsr-3406	235	2	the	the	DET
fsr-3406	235	3	planned	plan	VERB
fsr-3406	235	4	behavior	behavior	NOUN
fsr-3406	235	5	theory	theory	NOUN
fsr-3406	235	6	suggest	suggest	VERB
fsr-3406	235	7	that	that	SCONJ
fsr-3406	235	8	financial	financial	ADJ
fsr-3406	235	9	knowledge	knowledge	NOUN
fsr-3406	235	10	can	can	AUX
fsr-3406	235	11	help	help	VERB
fsr-3406	235	12	to	to	PART
fsr-3406	235	13	enforce	enforce	VERB
fsr-3406	235	14	a	a	DET
fsr-3406	235	15	sense	sense	NOUN
fsr-3406	235	16	of	of	ADP
fsr-3406	235	17	control	control	NOUN
fsr-3406	235	18	and	and	CCONJ
fsr-3406	235	19	reduce	reduce	VERB
fsr-3406	235	20	financial	financial	ADJ
fsr-3406	235	21	distress	distress	NOUN
fsr-3406	235	22	.	.	PUNCT
fsr-3406	236	1	similar	similar	ADJ
fsr-3406	236	2	results	result	NOUN
fsr-3406	236	3	are	be	AUX
fsr-3406	236	4	found	find	VERB
fsr-3406	236	5	when	when	SCONJ
fsr-3406	236	6	we	we	PRON
fsr-3406	236	7	explore	explore	VERB
fsr-3406	236	8	the	the	DET
fsr-3406	236	9	connection	connection	NOUN
fsr-3406	236	10	between	between	ADP
fsr-3406	236	11	our	our	PRON
fsr-3406	236	12	fbi	fbi	PROPN
fsr-3406	236	13	and	and	CCONJ
fsr-3406	236	14	paying	pay	VERB
fsr-3406	236	15	bills	bill	NOUN
fsr-3406	236	16	on	on	ADP
fsr-3406	236	17	time	time	NOUN
fsr-3406	236	18	.	.	PUNCT
fsr-3406	237	1	with	with	ADP
fsr-3406	237	2	regards	regard	NOUN
fsr-3406	237	3	to	to	ADP
fsr-3406	237	4	our	our	PRON
fsr-3406	237	5	control	control	NOUN
fsr-3406	237	6	variables	variable	NOUN
fsr-3406	237	7	,	,	PUNCT
fsr-3406	237	8	younger	young	ADJ
fsr-3406	237	9	respondents	respondent	NOUN
fsr-3406	237	10	,	,	PUNCT
fsr-3406	237	11	age	age	NOUN
fsr-3406	237	12	35–54	35–54	NUM
fsr-3406	237	13	are	be	AUX
fsr-3406	237	14	significantly	significantly	ADV
fsr-3406	237	15	more	more	ADV
fsr-3406	237	16	likely	likely	ADJ
fsr-3406	237	17	to	to	PART
fsr-3406	237	18	fall	fall	VERB
fsr-3406	237	19	into	into	ADP
fsr-3406	237	20	a	a	DET
fsr-3406	237	21	state	state	NOUN
fsr-3406	237	22	of	of	ADP
fsr-3406	237	23	financial	financial	ADJ
fsr-3406	237	24	distress	distress	NOUN
fsr-3406	237	25	.	.	PUNCT
fsr-3406	238	1	similar	similar	ADJ
fsr-3406	238	2	results	result	NOUN
fsr-3406	238	3	were	be	AUX
fsr-3406	238	4	found	find	VERB
fsr-3406	238	5	among	among	ADP
fsr-3406	238	6	those	those	PRON
fsr-3406	238	7	who	who	PRON
fsr-3406	238	8	had	have	VERB
fsr-3406	238	9	dependents	dependent	NOUN
fsr-3406	238	10	,	,	PUNCT
fsr-3406	238	11	were	be	AUX
fsr-3406	238	12	unemployed	unemployed	ADJ
fsr-3406	238	13	,	,	PUNCT
fsr-3406	238	14	self	self	NOUN
fsr-3406	238	15	-	-	PUNCT
fsr-3406	238	16	employed	employ	VERB
fsr-3406	238	17	,	,	PUNCT
fsr-3406	238	18	and	and	CCONJ
fsr-3406	238	19	experienced	experience	VERB
fsr-3406	238	20	a	a	DET
fsr-3406	238	21	decline	decline	NOUN
fsr-3406	238	22	in	in	ADP
fsr-3406	238	23	income	income	NOUN
fsr-3406	238	24	.	.	PUNCT
fsr-3406	239	1	in	in	ADP
fsr-3406	239	2	table	table	NOUN
fsr-3406	239	3	4	4	NUM
fsr-3406	239	4	,	,	PUNCT
fsr-3406	239	5	panel	panel	NOUN
fsr-3406	239	6	b	b	NOUN
fsr-3406	239	7	,	,	PUNCT
fsr-3406	239	8	we	we	PRON
fsr-3406	239	9	provide	provide	VERB
fsr-3406	239	10	details	detail	NOUN
fsr-3406	239	11	on	on	ADP
fsr-3406	239	12	how	how	SCONJ
fsr-3406	239	13	our	our	PRON
fsr-3406	239	14	fli	fli	NOUN
fsr-3406	239	15	and	and	CCONJ
fsr-3406	239	16	fbi	fbi	PROPN
fsr-3406	239	17	measures	measure	NOUN
fsr-3406	239	18	relate	relate	VERB
fsr-3406	239	19	to	to	ADP
fsr-3406	239	20	financial	financial	ADJ
fsr-3406	239	21	distress	distress	NOUN
fsr-3406	239	22	resulting	result	VERB
fsr-3406	239	23	from	from	ADP
fsr-3406	239	24	the	the	DET
fsr-3406	239	25	inability	inability	NOUN
fsr-3406	239	26	to	to	PART
fsr-3406	239	27	make	make	VERB
fsr-3406	239	28	mortgage	mortgage	NOUN
fsr-3406	239	29	payments	payment	NOUN
fsr-3406	239	30	on	on	ADP
fsr-3406	239	31	time	time	NOUN
fsr-3406	239	32	.	.	PUNCT
fsr-3406	240	1	compared	compare	VERB
fsr-3406	240	2	with	with	ADP
fsr-3406	240	3	those	those	PRON
fsr-3406	240	4	who	who	PRON
fsr-3406	240	5	have	have	AUX
fsr-3406	240	6	never	never	ADV
fsr-3406	240	7	been	be	AUX
fsr-3406	240	8	late	late	ADV
fsr-3406	240	9	making	make	VERB
fsr-3406	240	10	a	a	DET
fsr-3406	240	11	mortgage	mortgage	NOUN
fsr-3406	240	12	payment	payment	NOUN
fsr-3406	240	13	,	,	PUNCT
fsr-3406	240	14	a	a	DET
fsr-3406	240	15	one	one	NUM
fsr-3406	240	16	-	-	PUNCT
fsr-3406	240	17	unit	unit	NOUN
fsr-3406	240	18	increase	increase	NOUN
fsr-3406	240	19	in	in	ADP
fsr-3406	240	20	the	the	DET
fsr-3406	240	21	fli	fli	NOUN
fsr-3406	240	22	and	and	CCONJ
fsr-3406	240	23	fbi	fbi	PROPN
fsr-3406	240	24	was	be	AUX
fsr-3406	240	25	associated	associate	VERB
fsr-3406	240	26	with	with	ADP
fsr-3406	240	27	a	a	DET
fsr-3406	240	28	decrease	decrease	NOUN
fsr-3406	240	29	in	in	ADP
fsr-3406	240	30	the	the	DET
fsr-3406	240	31	log	log	NOUN
fsr-3406	240	32	odds	odd	NOUN
fsr-3406	240	33	of	of	ADP
fsr-3406	240	34	being	be	AUX
fsr-3406	240	35	late	late	ADV
fsr-3406	240	36	one	one	NUM
fsr-3406	240	37	or	or	CCONJ
fsr-3406	240	38	more	more	ADJ
fsr-3406	240	39	times	time	NOUN
fsr-3406	240	40	on	on	ADP
fsr-3406	240	41	a	a	DET
fsr-3406	240	42	mortgage	mortgage	NOUN
fsr-3406	240	43	payment	payment	NOUN
fsr-3406	240	44	.	.	PUNCT
fsr-3406	241	1	in	in	ADP
fsr-3406	241	2	table	table	NOUN
fsr-3406	241	3	4	4	NUM
fsr-3406	241	4	,	,	PUNCT
fsr-3406	241	5	panel	panel	NOUN
fsr-3406	241	6	c	c	NOUN
fsr-3406	241	7	,	,	PUNCT
fsr-3406	241	8	we	we	PRON
fsr-3406	241	9	shift	shift	VERB
fsr-3406	241	10	our	our	PRON
fsr-3406	241	11	attention	attention	NOUN
fsr-3406	241	12	to	to	PART
fsr-3406	241	13	focus	focus	VERB
fsr-3406	241	14	on	on	ADP
fsr-3406	241	15	how	how	SCONJ
fsr-3406	241	16	financial	financial	ADJ
fsr-3406	241	17	literacy	literacy	NOUN
fsr-3406	241	18	and	and	CCONJ
fsr-3406	241	19	financial	financial	ADJ
fsr-3406	241	20	behavior	behavior	NOUN
fsr-3406	241	21	impact	impact	VERB
fsr-3406	241	22	the	the	DET
fsr-3406	241	23	concerns	concern	NOUN
fsr-3406	241	24	that	that	PRON
fsr-3406	241	25	people	people	NOUN
fsr-3406	241	26	have	have	VERB
fsr-3406	241	27	about	about	ADP
fsr-3406	241	28	retirement	retirement	NOUN
fsr-3406	241	29	.	.	PUNCT
fsr-3406	242	1	here	here	ADV
fsr-3406	242	2	we	we	PRON
fsr-3406	242	3	find	find	VERB
fsr-3406	242	4	unexpected	unexpected	ADJ
fsr-3406	242	5	but	but	CCONJ
fsr-3406	242	6	interesting	interesting	ADJ
fsr-3406	242	7	results	result	NOUN
fsr-3406	242	8	.	.	PUNCT
fsr-3406	243	1	as	as	SCONJ
fsr-3406	243	2	financial	financial	ADJ
fsr-3406	243	3	knowledge	knowledge	NOUN
fsr-3406	243	4	increases	increase	NOUN
fsr-3406	243	5	,	,	PUNCT
fsr-3406	243	6	as	as	SCONJ
fsr-3406	243	7	indicated	indicate	VERB
fsr-3406	243	8	by	by	ADP
fsr-3406	243	9	our	our	PRON
fsr-3406	243	10	fli	fli	NOUN
fsr-3406	243	11	,	,	PUNCT
fsr-3406	243	12	there	there	PRON
fsr-3406	243	13	is	be	VERB
fsr-3406	243	14	an	an	DET
fsr-3406	243	15	increase	increase	NOUN
fsr-3406	243	16	in	in	ADP
fsr-3406	243	17	the	the	DET
fsr-3406	243	18	log	log	NOUN
fsr-3406	243	19	odds	odd	NOUN
fsr-3406	243	20	of	of	ADP
fsr-3406	243	21	being	be	AUX
fsr-3406	243	22	concerned	concerned	ADJ
fsr-3406	243	23	about	about	ADP
fsr-3406	243	24	running	run	VERB
fsr-3406	243	25	out	out	ADP
fsr-3406	243	26	of	of	ADP
fsr-3406	243	27	money	money	NOUN
fsr-3406	243	28	in	in	ADP
fsr-3406	243	29	retirement	retirement	NOUN
fsr-3406	243	30	.	.	PUNCT
fsr-3406	244	1	similar	similar	ADJ
fsr-3406	244	2	results	result	NOUN
fsr-3406	244	3	are	be	AUX
fsr-3406	244	4	also	also	ADV
fsr-3406	244	5	found	find	VERB
fsr-3406	244	6	when	when	SCONJ
fsr-3406	244	7	looking	look	VERB
fsr-3406	244	8	at	at	ADP
fsr-3406	244	9	our	our	PRON
fsr-3406	244	10	fbi	fbi	PROPN
fsr-3406	244	11	.	.	PUNCT
fsr-3406	245	1	to	to	PART
fsr-3406	245	2	test	test	VERB
fsr-3406	245	3	the	the	DET
fsr-3406	245	4	robustness	robustness	NOUN
fsr-3406	245	5	of	of	ADP
fsr-3406	245	6	the	the	DET
fsr-3406	245	7	results	result	NOUN
fsr-3406	245	8	,	,	PUNCT
fsr-3406	245	9	an	an	DET
fsr-3406	245	10	additional	additional	ADJ
fsr-3406	245	11	analysis	analysis	NOUN
fsr-3406	245	12	was	be	AUX
fsr-3406	245	13	conducted	conduct	VERB
fsr-3406	245	14	by	by	ADP
fsr-3406	245	15	separating	separate	VERB
fsr-3406	245	16	the	the	DET
fsr-3406	245	17	groups	group	NOUN
fsr-3406	245	18	into	into	ADP
fsr-3406	245	19	different	different	ADJ
fsr-3406	245	20	ages	age	NOUN
fsr-3406	245	21	.	.	PUNCT
fsr-3406	246	1	we	we	PRON
fsr-3406	246	2	expect	expect	VERB
fsr-3406	246	3	respondents	respondent	NOUN
fsr-3406	246	4	in	in	ADP
fsr-3406	246	5	different	different	ADJ
fsr-3406	246	6	age	age	NOUN
fsr-3406	246	7	groups	group	NOUN
fsr-3406	246	8	to	to	PART
fsr-3406	246	9	have	have	VERB
fsr-3406	246	10	varying	vary	VERB
fsr-3406	246	11	levels	level	NOUN
fsr-3406	246	12	of	of	ADP
fsr-3406	246	13	concerns	concern	NOUN
fsr-3406	246	14	about	about	ADP
fsr-3406	246	15	retirement	retirement	NOUN
fsr-3406	246	16	.	.	PUNCT
fsr-3406	247	1	the	the	DET
fsr-3406	247	2	results	result	NOUN
fsr-3406	247	3	shown	show	VERB
fsr-3406	247	4	in	in	ADP
fsr-3406	247	5	table	table	NOUN
fsr-3406	247	6	5	5	NUM
fsr-3406	247	7	are	be	AUX
fsr-3406	247	8	consistent	consistent	ADJ
fsr-3406	247	9	with	with	ADP
fsr-3406	247	10	table	table	NOUN
fsr-3406	247	11	4	4	NUM
fsr-3406	247	12	panel	panel	NOUN
fsr-3406	247	13	c.	c.	NOUN
fsr-3406	247	14	when	when	SCONJ
fsr-3406	247	15	measured	measure	VERB
fsr-3406	247	16	by	by	ADP
fsr-3406	247	17	something	something	PRON
fsr-3406	247	18	as	as	ADV
fsr-3406	247	19	simple	simple	ADJ
fsr-3406	247	20	as	as	ADP
fsr-3406	247	21	paying	pay	VERB
fsr-3406	247	22	bills	bill	NOUN
fsr-3406	247	23	on	on	ADP
fsr-3406	247	24	time	time	NOUN
fsr-3406	247	25	,	,	PUNCT
fsr-3406	247	26	more	more	ADV
fsr-3406	247	27	financial	financial	ADJ
fsr-3406	247	28	knowledge	knowledge	NOUN
fsr-3406	247	29	and	and	CCONJ
fsr-3406	247	30	positive	positive	ADJ
fsr-3406	247	31	financial	financial	ADJ
fsr-3406	247	32	behavior	behavior	NOUN
fsr-3406	247	33	was	be	AUX
fsr-3406	247	34	associated	associate	VERB
fsr-3406	247	35	with	with	ADP
fsr-3406	247	36	lower	low	ADJ
fsr-3406	247	37	financial	financial	ADJ
fsr-3406	247	38	distress	distress	NOUN
fsr-3406	247	39	.	.	PUNCT
fsr-3406	248	1	the	the	DET
fsr-3406	248	2	results	result	NOUN
fsr-3406	248	3	do	do	AUX
fsr-3406	248	4	not	not	PART
fsr-3406	248	5	persist	persist	VERB
fsr-3406	248	6	for	for	ADP
fsr-3406	248	7	a	a	DET
fsr-3406	248	8	more	more	ADV
fsr-3406	248	9	complex	complex	ADJ
fsr-3406	248	10	measure	measure	NOUN
fsr-3406	248	11	of	of	ADP
fsr-3406	248	12	financial	financial	ADJ
fsr-3406	248	13	distress	distress	NOUN
fsr-3406	248	14	(	(	PUNCT
fsr-3406	248	15	i.e.	i.e.	X
fsr-3406	248	16	,	,	PUNCT
fsr-3406	248	17	worrying	worry	VERB
fsr-3406	248	18	about	about	ADP
fsr-3406	248	19	retirement	retirement	NOUN
fsr-3406	248	20	)	)	PUNCT
fsr-3406	248	21	.	.	PUNCT
fsr-3406	249	1	retirement	retirement	NOUN
fsr-3406	249	2	planning	planning	NOUN
fsr-3406	249	3	is	be	AUX
fsr-3406	249	4	complex	complex	ADJ
fsr-3406	249	5	,	,	PUNCT
fsr-3406	249	6	and	and	CCONJ
fsr-3406	249	7	it	it	PRON
fsr-3406	249	8	involves	involve	VERB
fsr-3406	249	9	many	many	ADJ
fsr-3406	249	10	assumptions	assumption	NOUN
fsr-3406	249	11	.	.	PUNCT
fsr-3406	250	1	therefore	therefore	ADV
fsr-3406	250	2	,	,	PUNCT
fsr-3406	250	3	regardless	regardless	ADV
fsr-3406	250	4	of	of	ADP
fsr-3406	250	5	the	the	DET
fsr-3406	250	6	level	level	NOUN
fsr-3406	250	7	of	of	ADP
fsr-3406	250	8	financial	financial	ADJ
fsr-3406	250	9	403j.k	403j.k	NUM
fsr-3406	250	10	.	.	PUNCT
fsr-3406	251	1	scott	scott	PROPN
fsr-3406	251	2	et	et	PROPN
fsr-3406	251	3	al	al	PROPN
fsr-3406	251	4	.	.	PUNCT
fsr-3406	251	5	/	/	SYM
fsr-3406	251	6	financial	financial	ADJ
fsr-3406	251	7	services	service	NOUN
fsr-3406	251	8	review	review	VERB
fsr-3406	251	9	27	27	NUM
fsr-3406	251	10	(	(	PUNCT
fsr-3406	251	11	2018	2018	NUM
fsr-3406	251	12	)	)	PUNCT
fsr-3406	251	13	391	391	NUM
fsr-3406	251	14	-	-	SYM
fsr-3406	251	15	411	411	NUM
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fsr-3406	251	17	ab	ab	PROPN
fsr-3406	251	18	le	le	PROPN
fsr-3406	251	19	4	4	NUM
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fsr-3406	251	21	ne	ne	PROPN
fsr-3406	251	22	l	l	PROPN
fsr-3406	251	23	a	a	X
fsr-3406	251	24	:	:	PUNCT
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fsr-3406	251	27	pa	pa	PROPN
fsr-3406	251	28	yi	yi	PROPN
fsr-3406	251	29	ng	ng	PROPN
fsr-3406	252	1	(	(	PUNCT
fsr-3406	252	2	r	r	NOUN
fsr-3406	252	3	ef	ef	PROPN
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fsr-3406	252	7	di	di	PROPN
fsr-3406	252	8	ffi	ffi	PROPN
fsr-3406	252	9	cu	cu	PROPN
fsr-3406	252	10	lt	lt	PROPN
fsr-3406	252	11	)	)	PUNCT
fsr-3406	252	12	so	so	ADV
fsr-3406	252	13	m	m	VERB
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fsr-3406	254	1	ha	ha	INTJ
fsr-3406	254	2	t	t	PROPN
fsr-3406	254	3	di	di	PROPN
fsr-3406	254	4	ffi	ffi	PROPN
fsr-3406	254	5	cu	cu	PROPN
fsr-3406	254	6	lt	lt	PRON
fsr-3406	254	7	n	n	ADV
fsr-3406	254	8	ot	ot	INTJ
fsr-3406	254	9	at	at	ADP
fsr-3406	254	10	al	al	PROPN
fsr-3406	254	11	l	l	PROPN
fsr-3406	254	12	di	di	PROPN
fsr-3406	254	13	ffi	ffi	PROPN
fsr-3406	254	14	cu	cu	PROPN
fsr-3406	254	15	lt	lt	PRON
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fsr-3406	254	21	ow	ow	INTJ
fsr-3406	254	22	pr	pr	NOUN
fsr-3406	254	23	ef	ef	INTJ
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fsr-3406	255	3	t	t	NOUN
fsr-3406	255	4	to	to	PART
fsr-3406	255	5	sa	sa	VERB
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fsr-3406	256	9	.	.	PROPN
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fsr-3406	256	13	*	*	PUNCT
fsr-3406	256	14	*	*	PUNCT
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fsr-3406	256	17	.	.	PUNCT
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fsr-3406	256	19	5	5	NUM
fsr-3406	256	20	*	*	PUNCT
fsr-3406	256	21	*	*	PUNCT
fsr-3406	256	22	*	*	PUNCT
fsr-3406	256	23	�	�	PROPN
fsr-3406	256	24	2	2	NUM
fsr-3406	256	25	.	.	NUM
fsr-3406	256	26	40	40	NUM
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fsr-3406	256	29	*	*	PUNCT
fsr-3406	256	30	*	*	PUNCT
fsr-3406	256	31	�	�	PROPN
fsr-3406	256	32	3	3	NUM
fsr-3406	256	33	.	.	NOUN
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fsr-3406	256	39	(	(	PUNCT
fsr-3406	256	40	0	0	NUM
fsr-3406	256	41	.1	.1	NUM
fsr-3406	256	42	28	28	NUM
fsr-3406	256	43	)	)	PUNCT
fsr-3406	256	44	(	(	PUNCT
fsr-3406	256	45	0	0	NUM
fsr-3406	256	46	.1	.1	NUM
fsr-3406	256	47	43	43	NUM
fsr-3406	256	48	)	)	PUNCT
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fsr-3406	256	50	0	0	NUM
fsr-3406	256	51	.3	.3	NUM
fsr-3406	256	52	8)	8)	NUM
fsr-3406	256	53	(	(	PUNCT
fsr-3406	256	54	0	0	NUM
fsr-3406	256	55	.6	.6	NUM
fsr-3406	256	56	24	24	NUM
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fsr-3406	256	58	m	m	VERB
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fsr-3406	256	68	0	0	NUM
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fsr-3406	256	71	7	7	NUM
fsr-3406	256	72	0	0	NUM
fsr-3406	256	73	.	.	NOUN
fsr-3406	256	74	04	04	NUM
fsr-3406	256	75	2	2	NUM
fsr-3406	256	76	�	�	PROPN
fsr-3406	256	77	0	0	NUM
fsr-3406	256	78	.	.	PROPN
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fsr-3406	256	81	(	(	PUNCT
fsr-3406	256	82	0	0	NUM
fsr-3406	256	83	.0	.0	NUM
fsr-3406	256	84	67	67	NUM
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fsr-3406	256	86	(	(	PUNCT
fsr-3406	256	87	0	0	NUM
fsr-3406	256	88	.0	.0	NUM
fsr-3406	256	89	72	72	NUM
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fsr-3406	256	95	)	)	PUNCT
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fsr-3406	256	97	0	0	NUM
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fsr-3406	256	100	)	)	PUNCT
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fsr-3406	256	102	ge	ge	PROPN
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fsr-3406	256	104	–	–	SYM
fsr-3406	256	105	5	5	NUM
fsr-3406	256	106	4	4	NUM
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fsr-3406	256	108	0	0	NUM
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fsr-3406	256	114	*	*	PUNCT
fsr-3406	256	115	�	�	PROPN
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fsr-3406	256	117	.	.	PROPN
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fsr-3406	256	119	6	6	NUM
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fsr-3406	256	121	*	*	PUNCT
fsr-3406	256	122	�	�	PROPN
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fsr-3406	256	124	.	.	NOUN
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fsr-3406	256	126	3	3	NUM
fsr-3406	256	127	0	0	NUM
fsr-3406	256	128	.	.	PUNCT
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fsr-3406	257	2	7	7	NUM
fsr-3406	257	3	(	(	PUNCT
fsr-3406	257	4	0	0	NUM
fsr-3406	257	5	.0	.0	NUM
fsr-3406	257	6	74	74	NUM
fsr-3406	257	7	)	)	PUNCT
fsr-3406	257	8	(	(	PUNCT
fsr-3406	257	9	0	0	NUM
fsr-3406	257	10	.0	.0	NUM
fsr-3406	257	11	81	81	NUM
fsr-3406	257	12	)	)	PUNCT
fsr-3406	257	13	(	(	PUNCT
fsr-3406	257	14	0	0	NUM
fsr-3406	257	15	.2	.2	NUM
fsr-3406	257	16	31	31	NUM
fsr-3406	257	17	)	)	PUNCT
fsr-3406	257	18	(	(	PUNCT
fsr-3406	257	19	0	0	NUM
fsr-3406	257	20	.4	.4	NUM
fsr-3406	257	21	00	00	NUM
fsr-3406	257	22	)	)	PUNCT
fsr-3406	257	23	a	a	DET
fsr-3406	257	24	ge	ge	PROPN
fsr-3406	257	25	55	55	NUM
fsr-3406	257	26	�	�	PROPN
fsr-3406	257	27	0	0	NUM
fsr-3406	257	28	.	.	NOUN
fsr-3406	257	29	09	09	NUM
fsr-3406	257	30	4	4	NUM
fsr-3406	257	31	�	�	PROPN
fsr-3406	257	32	0	0	NUM
fsr-3406	257	33	.	.	NOUN
fsr-3406	257	34	06	06	NUM
fsr-3406	257	35	6	6	NUM
fsr-3406	257	36	0	0	NUM
fsr-3406	257	37	.	.	PUNCT
fsr-3406	258	1	07	07	NUM
fsr-3406	258	2	5	5	NUM
fsr-3406	258	3	0	0	NUM
fsr-3406	258	4	.	.	PUNCT
fsr-3406	258	5	64	64	NUM
fsr-3406	258	6	8	8	NUM
fsr-3406	258	7	(	(	PUNCT
fsr-3406	258	8	0	0	NUM
fsr-3406	258	9	.1	.1	NUM
fsr-3406	258	10	05	05	NUM
fsr-3406	258	11	)	)	PUNCT
fsr-3406	258	12	(	(	PUNCT
fsr-3406	258	13	0	0	NUM
fsr-3406	258	14	.1	.1	NUM
fsr-3406	258	15	12	12	NUM
fsr-3406	258	16	)	)	PUNCT
fsr-3406	258	17	(	(	PUNCT
fsr-3406	258	18	0	0	NUM
fsr-3406	258	19	.3	.3	NUM
fsr-3406	258	20	04	04	NUM
fsr-3406	258	21	)	)	PUNCT
fsr-3406	258	22	(	(	PUNCT
fsr-3406	258	23	0	0	NUM
fsr-3406	258	24	.4	.4	NUM
fsr-3406	258	25	90	90	NUM
fsr-3406	258	26	)	)	PUNCT
fsr-3406	259	1	w	w	NOUN
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fsr-3406	259	3	te	te	ADP
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fsr-3406	259	13	6	6	NUM
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fsr-3406	259	15	0	0	NUM
fsr-3406	259	16	.	.	PROPN
fsr-3406	259	17	07	07	NUM
fsr-3406	259	18	�	�	PROPN
fsr-3406	259	19	0	0	NUM
fsr-3406	259	20	.	.	PROPN
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fsr-3406	259	23	(	(	PUNCT
fsr-3406	259	24	0	0	NUM
fsr-3406	259	25	.0	.0	NUM
fsr-3406	259	26	69	69	NUM
fsr-3406	259	27	)	)	PUNCT
fsr-3406	259	28	(	(	PUNCT
fsr-3406	259	29	0	0	NUM
fsr-3406	259	30	.0	.0	NUM
fsr-3406	259	31	75	75	NUM
fsr-3406	259	32	)	)	PUNCT
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fsr-3406	259	34	0	0	NUM
fsr-3406	259	35	.2	.2	NUM
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fsr-3406	259	37	)	)	PUNCT
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fsr-3406	259	39	0	0	NUM
fsr-3406	259	40	.3	.3	NUM
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fsr-3406	259	42	)	)	PUNCT
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fsr-3406	260	20	.	.	PROPN
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fsr-3406	322	8	.	.	PUNCT
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fsr-3406	323	7	.	.	X
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fsr-3406	324	2	.	.	NUM
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fsr-3406	324	5	*	*	PUNCT
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fsr-3406	324	30	)	)	PUNCT
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fsr-3406	324	43	.1	.1	NUM
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fsr-3406	324	45	)	)	PUNCT
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fsr-3406	324	59	.	.	PROPN
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fsr-3406	325	7	.	.	NOUN
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fsr-3406	326	3	.	.	PUNCT
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fsr-3406	327	13	0	0	NUM
fsr-3406	327	14	.	.	NOUN
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fsr-3406	327	19	.	.	NOUN
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fsr-3406	327	24	*	*	PUNCT
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fsr-3406	327	27	.	.	NOUN
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fsr-3406	327	39	0	0	NUM
fsr-3406	327	40	.1	.1	NUM
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fsr-3406	327	45	.1	.1	NUM
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fsr-3406	327	47	)	)	PUNCT
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fsr-3406	327	67	)	)	PUNCT
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fsr-3406	327	74	i	i	PRON
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fsr-3406	327	76	.	.	PUNCT
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fsr-3406	327	83	.	.	NOUN
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fsr-3406	327	88	.	.	PUNCT
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fsr-3406	328	8	.	.	PROPN
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fsr-3406	328	16	.	.	PUNCT
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fsr-3406	328	19	*	*	PUNCT
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fsr-3406	328	24	.	.	NUM
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fsr-3406	416	9	27	27	NUM
fsr-3406	416	10	(	(	PUNCT
fsr-3406	416	11	2018	2018	NUM
fsr-3406	416	12	)	)	PUNCT
fsr-3406	416	13	391	391	NUM
fsr-3406	416	14	-	-	SYM
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fsr-3406	416	21	c	c	NOUN
fsr-3406	416	22	on	on	ADP
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fsr-3406	416	26	)	)	PUNCT
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fsr-3406	417	8	at	at	ADP
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fsr-3406	418	21	.	.	NUM
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fsr-3406	418	28	.	.	NOUN
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fsr-3406	424	7	.	.	PUNCT
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fsr-3406	425	24	.	.	NOUN
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fsr-3406	426	8	.	.	PROPN
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fsr-3406	430	23	.	.	X
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fsr-3406	433	5	0	0	X
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fsr-3406	471	59	13	13	NUM
fsr-3406	471	60	)	)	PUNCT
fsr-3406	471	61	fb	fb	INTJ
fsr-3406	471	62	i	i	PRON
fsr-3406	471	63	0	0	NUM
fsr-3406	471	64	.	.	PUNCT
fsr-3406	472	1	71	71	NUM
fsr-3406	472	2	2	2	NUM
fsr-3406	472	3	�	�	PROPN
fsr-3406	472	4	1	1	NUM
fsr-3406	472	5	.	.	NUM
fsr-3406	472	6	21	21	NUM
fsr-3406	472	7	3	3	NUM
fsr-3406	472	8	*	*	SYM
fsr-3406	472	9	*	*	PUNCT
fsr-3406	472	10	�	�	PROPN
fsr-3406	472	11	2	2	NUM
fsr-3406	472	12	.	.	NOUN
fsr-3406	472	13	52	52	NUM
fsr-3406	472	14	1	1	NUM
fsr-3406	472	15	*	*	PUNCT
fsr-3406	472	16	*	*	PUNCT
fsr-3406	472	17	*	*	PUNCT
fsr-3406	472	18	�	�	PROPN
fsr-3406	472	19	1	1	NUM
fsr-3406	472	20	.	.	NOUN
fsr-3406	472	21	37	37	NUM
fsr-3406	472	22	6	6	NUM
fsr-3406	472	23	*	*	PUNCT
fsr-3406	472	24	*	*	PUNCT
fsr-3406	472	25	*	*	PUNCT
fsr-3406	472	26	�	�	PROPN
fsr-3406	472	27	2	2	NUM
fsr-3406	472	28	.	.	NOUN
fsr-3406	472	29	90	90	NUM
fsr-3406	472	30	1	1	NUM
fsr-3406	472	31	*	*	PUNCT
fsr-3406	472	32	*	*	PUNCT
fsr-3406	472	33	*	*	PUNCT
fsr-3406	472	34	�	�	PROPN
fsr-3406	472	35	4	4	NUM
fsr-3406	472	36	.	.	X
fsr-3406	472	37	53	53	NUM
fsr-3406	472	38	1	1	NUM
fsr-3406	472	39	*	*	PUNCT
fsr-3406	472	40	*	*	PUNCT
fsr-3406	472	41	*	*	PUNCT
fsr-3406	472	42	�	�	PROPN
fsr-3406	472	43	4	4	NUM
fsr-3406	472	44	.	.	NOUN
fsr-3406	472	45	11	11	NUM
fsr-3406	472	46	8	8	NUM
fsr-3406	472	47	*	*	PUNCT
fsr-3406	472	48	*	*	PUNCT
fsr-3406	472	49	*	*	PUNCT
fsr-3406	472	50	�	�	PROPN
fsr-3406	472	51	3	3	NUM
fsr-3406	472	52	.	.	NUM
fsr-3406	472	53	59	59	NUM
fsr-3406	472	54	7	7	NUM
fsr-3406	472	55	(	(	PUNCT
fsr-3406	472	56	0	0	NUM
fsr-3406	472	57	.5	.5	NUM
fsr-3406	472	58	19	19	NUM
fsr-3406	472	59	)	)	PUNCT
fsr-3406	472	60	(	(	PUNCT
fsr-3406	472	61	0	0	NUM
fsr-3406	472	62	.4	.4	NUM
fsr-3406	472	63	81	81	NUM
fsr-3406	472	64	)	)	PUNCT
fsr-3406	472	65	(	(	PUNCT
fsr-3406	472	66	0	0	NUM
fsr-3406	472	67	.4	.4	NUM
fsr-3406	472	68	13	13	NUM
fsr-3406	472	69	)	)	PUNCT
fsr-3406	472	70	(	(	PUNCT
fsr-3406	472	71	0	0	NUM
fsr-3406	472	72	.4	.4	NUM
fsr-3406	472	73	27	27	NUM
fsr-3406	472	74	)	)	PUNCT
fsr-3406	472	75	(	(	PUNCT
fsr-3406	472	76	0	0	NUM
fsr-3406	472	77	.4	.4	NUM
fsr-3406	472	78	18	18	NUM
fsr-3406	472	79	)	)	PUNCT
fsr-3406	472	80	(	(	PUNCT
fsr-3406	472	81	0	0	NUM
fsr-3406	472	82	.4	.4	NUM
fsr-3406	472	83	05	05	NUM
fsr-3406	472	84	)	)	PUNCT
fsr-3406	472	85	(	(	PUNCT
fsr-3406	472	86	0	0	NUM
fsr-3406	472	87	.9	.9	NUM
fsr-3406	472	88	88	88	NUM
fsr-3406	472	89	)	)	PUNCT
fsr-3406	472	90	(	(	PUNCT
fsr-3406	472	91	2	2	NUM
fsr-3406	472	92	.7	.7	NUM
fsr-3406	472	93	89	89	NUM
fsr-3406	472	94	)	)	PUNCT
fsr-3406	472	95	n	n	PRON
fsr-3406	472	96	3	3	NUM
fsr-3406	472	97	,	,	PUNCT
fsr-3406	472	98	58	58	NUM
fsr-3406	472	99	3	3	NUM
fsr-3406	472	100	n	n	NOUN
fsr-3406	472	101	ot	ot	NOUN
fsr-3406	472	102	e	e	NOUN
fsr-3406	472	103	:	:	PUNCT
fsr-3406	472	104	*	*	PUNCT
fsr-3406	472	105	*	*	PUNCT
fsr-3406	472	106	*	*	PUNCT
fsr-3406	472	107	p	p	X
fsr-3406	472	108	�	�	PROPN
fsr-3406	472	109	0	0	NUM
fsr-3406	472	110	.	.	PROPN
fsr-3406	472	111	01	01	NUM
fsr-3406	472	112	,	,	PUNCT
fsr-3406	472	113	*	*	PUNCT
fsr-3406	473	1	*	*	PUNCT
fsr-3406	473	2	p	p	X
fsr-3406	473	3	�	�	PROPN
fsr-3406	473	4	0	0	NUM
fsr-3406	473	5	.	.	NUM
fsr-3406	473	6	05	05	NUM
fsr-3406	474	1	,	,	PUNCT
fsr-3406	474	2	*	*	PUNCT
fsr-3406	474	3	p	p	X
fsr-3406	474	4	�	�	PROPN
fsr-3406	474	5	0	0	NUM
fsr-3406	474	6	.	.	PROPN
fsr-3406	474	7	10	10	NUM
fsr-3406	474	8	.f	.f	NOUN
fsr-3406	475	1	l	l	NOUN
fsr-3406	476	1	i	i	PRON
fsr-3406	476	2	�	�	PROPN
fsr-3406	476	3	fi	fi	NOUN
fsr-3406	476	4	na	na	PROPN
fsr-3406	476	5	nc	nc	PROPN
fsr-3406	476	6	ia	ia	PROPN
fsr-3406	476	7	l	l	PROPN
fsr-3406	477	1	k	k	PROPN
fsr-3406	478	1	no	no	INTJ
fsr-3406	478	2	w	w	VERB
fsr-3406	478	3	le	le	X
fsr-3406	478	4	dg	dg	X
fsr-3406	478	5	e	e	NOUN
fsr-3406	478	6	in	in	ADP
fsr-3406	478	7	de	de	X
fsr-3406	478	8	x	x	X
fsr-3406	478	9	;	;	PUNCT
fsr-3406	478	10	fb	fb	INTJ
fsr-3406	478	11	i	i	PRON
fsr-3406	478	12	�	�	PROPN
fsr-3406	478	13	fi	fi	NOUN
fsr-3406	478	14	na	na	PROPN
fsr-3406	478	15	nc	nc	PROPN
fsr-3406	478	16	ia	ia	PROPN
fsr-3406	478	17	l	l	PROPN
fsr-3406	478	18	b	b	PROPN
fsr-3406	478	19	eh	eh	INTJ
fsr-3406	478	20	av	av	PROPN
fsr-3406	478	21	io	io	X
fsr-3406	478	22	r	r	NOUN
fsr-3406	478	23	in	in	ADP
fsr-3406	478	24	de	de	X
fsr-3406	478	25	x	x	X
fsr-3406	478	26	;	;	PUNCT
fsr-3406	478	27	sd	sd	PROPN
fsr-3406	478	28	w	w	PROPN
fsr-3406	478	29	�	�	PROPN
fsr-3406	478	30	si	si	PROPN
fsr-3406	478	31	ng	ng	PROPN
fsr-3406	478	32	le	le	PROPN
fsr-3406	478	33	,	,	PUNCT
fsr-3406	478	34	d	d	PROPN
fsr-3406	478	35	iv	iv	NUM
fsr-3406	478	36	or	or	CCONJ
fsr-3406	478	37	ce	ce	PROPN
fsr-3406	478	38	d	d	NOUN
fsr-3406	478	39	,	,	PUNCT
fsr-3406	478	40	or	or	CCONJ
fsr-3406	478	41	w	w	ADP
fsr-3406	478	42	i	i	NOUN
fsr-3406	478	43	d	d	NOUN
fsr-3406	478	44	ow	ow	INTJ
fsr-3406	478	45	ed	ed	NOUN
fsr-3406	478	46	.	.	PUNCT
fsr-3406	479	1	408	408	NUM
fsr-3406	480	1	j.k	j.k	PROPN
fsr-3406	480	2	.	.	PROPN
fsr-3406	480	3	scott	scott	PROPN
fsr-3406	480	4	et	et	PROPN
fsr-3406	480	5	al	al	PROPN
fsr-3406	480	6	.	.	PUNCT
fsr-3406	480	7	/	/	SYM
fsr-3406	480	8	financial	financial	ADJ
fsr-3406	480	9	services	service	NOUN
fsr-3406	480	10	review	review	VERB
fsr-3406	480	11	27	27	NUM
fsr-3406	480	12	(	(	PUNCT
fsr-3406	480	13	2018	2018	NUM
fsr-3406	480	14	)	)	PUNCT
fsr-3406	480	15	391	391	NUM
fsr-3406	480	16	-	-	SYM
fsr-3406	480	17	411	411	NUM
fsr-3406	480	18	knowledge	knowledge	NOUN
fsr-3406	480	19	that	that	PRON
fsr-3406	480	20	someone	someone	PRON
fsr-3406	480	21	might	might	AUX
fsr-3406	480	22	possess	possess	VERB
fsr-3406	480	23	,	,	PUNCT
fsr-3406	480	24	they	they	PRON
fsr-3406	480	25	will	will	AUX
fsr-3406	480	26	experience	experience	VERB
fsr-3406	480	27	some	some	DET
fsr-3406	480	28	anxiety	anxiety	NOUN
fsr-3406	480	29	or	or	CCONJ
fsr-3406	480	30	distress	distress	NOUN
fsr-3406	480	31	associated	associate	VERB
fsr-3406	480	32	with	with	ADP
fsr-3406	480	33	retirement	retirement	NOUN
fsr-3406	480	34	planning	planning	NOUN
fsr-3406	480	35	.	.	PUNCT
fsr-3406	481	1	we	we	PRON
fsr-3406	481	2	find	find	VERB
fsr-3406	481	3	these	these	DET
fsr-3406	481	4	results	result	NOUN
fsr-3406	481	5	to	to	PART
fsr-3406	481	6	be	be	AUX
fsr-3406	481	7	fascinating	fascinating	ADJ
fsr-3406	481	8	.	.	PUNCT
fsr-3406	482	1	it	it	PRON
fsr-3406	482	2	aligns	align	VERB
fsr-3406	482	3	with	with	ADP
fsr-3406	482	4	the	the	DET
fsr-3406	482	5	perceived	perceive	VERB
fsr-3406	482	6	planned	plan	VERB
fsr-3406	482	7	behavior	behavior	NOUN
fsr-3406	482	8	theory	theory	NOUN
fsr-3406	482	9	that	that	SCONJ
fsr-3406	482	10	knowledge	knowledge	NOUN
fsr-3406	482	11	can	can	AUX
fsr-3406	482	12	help	help	VERB
fsr-3406	482	13	individuals	individual	NOUN
fsr-3406	482	14	perceive	perceive	VERB
fsr-3406	482	15	a	a	DET
fsr-3406	482	16	higher	high	ADJ
fsr-3406	482	17	level	level	NOUN
fsr-3406	482	18	of	of	ADP
fsr-3406	482	19	control	control	NOUN
fsr-3406	482	20	.	.	PUNCT
fsr-3406	483	1	however	however	ADV
fsr-3406	483	2	,	,	PUNCT
fsr-3406	483	3	retirement	retirement	NOUN
fsr-3406	483	4	planning	planning	NOUN
fsr-3406	483	5	is	be	AUX
fsr-3406	483	6	very	very	ADV
fsr-3406	483	7	complicated	complicated	ADJ
fsr-3406	483	8	and	and	CCONJ
fsr-3406	483	9	requires	require	VERB
fsr-3406	483	10	time	time	NOUN
fsr-3406	483	11	,	,	PUNCT
fsr-3406	483	12	understanding	understanding	NOUN
fsr-3406	483	13	of	of	ADP
fsr-3406	483	14	financial	financial	ADJ
fsr-3406	483	15	markets	market	NOUN
fsr-3406	483	16	and	and	CCONJ
fsr-3406	483	17	products	product	NOUN
fsr-3406	483	18	,	,	PUNCT
fsr-3406	483	19	time	time	NOUN
fsr-3406	483	20	value	value	NOUN
fsr-3406	483	21	of	of	ADP
fsr-3406	483	22	money	money	NOUN
fsr-3406	483	23	,	,	PUNCT
fsr-3406	483	24	and	and	CCONJ
fsr-3406	483	25	some	some	DET
fsr-3406	483	26	level	level	NOUN
fsr-3406	483	27	of	of	ADP
fsr-3406	483	28	professional	professional	ADJ
fsr-3406	483	29	guidance	guidance	NOUN
fsr-3406	483	30	.	.	PUNCT
fsr-3406	484	1	retirement	retirement	NOUN
fsr-3406	484	2	can	can	AUX
fsr-3406	484	3	be	be	AUX
fsr-3406	484	4	overwhelming	overwhelming	ADJ
fsr-3406	484	5	to	to	ADP
fsr-3406	484	6	nonprofessionals	nonprofessional	NOUN
fsr-3406	484	7	even	even	ADV
fsr-3406	484	8	when	when	SCONJ
fsr-3406	484	9	they	they	PRON
fsr-3406	484	10	have	have	VERB
fsr-3406	484	11	some	some	DET
fsr-3406	484	12	knowledge	knowledge	NOUN
fsr-3406	484	13	on	on	ADP
fsr-3406	484	14	the	the	DET
fsr-3406	484	15	topic	topic	NOUN
fsr-3406	484	16	.	.	PUNCT
fsr-3406	485	1	furthermore	furthermore	ADV
fsr-3406	485	2	,	,	PUNCT
fsr-3406	485	3	many	many	ADJ
fsr-3406	485	4	individuals	individual	NOUN
fsr-3406	485	5	,	,	PUNCT
fsr-3406	485	6	especially	especially	ADV
fsr-3406	485	7	baby	baby	NOUN
fsr-3406	485	8	boomers	boomer	NOUN
fsr-3406	485	9	,	,	PUNCT
fsr-3406	485	10	grew	grow	VERB
fsr-3406	485	11	up	up	ADP
fsr-3406	485	12	seeing	see	VERB
fsr-3406	485	13	their	their	PRON
fsr-3406	485	14	parents	parent	NOUN
fsr-3406	485	15	or	or	CCONJ
fsr-3406	485	16	guardians	guardian	NOUN
fsr-3406	485	17	pay	pay	VERB
fsr-3406	485	18	bills	bill	NOUN
fsr-3406	485	19	.	.	PUNCT
fsr-3406	486	1	however	however	ADV
fsr-3406	486	2	,	,	PUNCT
fsr-3406	486	3	planning	plan	VERB
fsr-3406	486	4	for	for	ADP
fsr-3406	486	5	retirement	retirement	NOUN
fsr-3406	486	6	might	might	AUX
fsr-3406	486	7	not	not	PART
fsr-3406	486	8	have	have	AUX
fsr-3406	486	9	been	be	AUX
fsr-3406	486	10	a	a	DET
fsr-3406	486	11	topic	topic	NOUN
fsr-3406	486	12	discussed	discuss	VERB
fsr-3406	486	13	at	at	ADP
fsr-3406	486	14	home	home	NOUN
fsr-3406	486	15	,	,	PUNCT
fsr-3406	486	16	as	as	SCONJ
fsr-3406	486	17	30	30	NUM
fsr-3406	486	18	years	year	NOUN
fsr-3406	486	19	ago	ago	ADV
fsr-3406	486	20	many	many	ADJ
fsr-3406	486	21	families	family	NOUN
fsr-3406	486	22	had	have	VERB
fsr-3406	486	23	pensions	pension	NOUN
fsr-3406	486	24	.	.	PUNCT
fsr-3406	487	1	we	we	PRON
fsr-3406	487	2	find	find	VERB
fsr-3406	487	3	our	our	PRON
fsr-3406	487	4	results	result	NOUN
fsr-3406	487	5	noteworthy	noteworthy	ADJ
fsr-3406	487	6	.	.	PUNCT
fsr-3406	488	1	financial	financial	ADJ
fsr-3406	488	2	knowledge	knowledge	NOUN
fsr-3406	488	3	and	and	CCONJ
fsr-3406	488	4	behavior	behavior	NOUN
fsr-3406	488	5	reduce	reduce	VERB
fsr-3406	488	6	financial	financial	ADJ
fsr-3406	488	7	distress	distress	NOUN
fsr-3406	488	8	when	when	SCONJ
fsr-3406	488	9	it	it	PRON
fsr-3406	488	10	comes	come	VERB
fsr-3406	488	11	to	to	ADP
fsr-3406	488	12	paying	pay	VERB
fsr-3406	488	13	bills	bill	NOUN
fsr-3406	488	14	.	.	PUNCT
fsr-3406	489	1	however	however	ADV
fsr-3406	489	2	,	,	PUNCT
fsr-3406	489	3	regardless	regardless	ADV
fsr-3406	489	4	of	of	ADP
fsr-3406	489	5	financial	financial	ADJ
fsr-3406	489	6	knowledge	knowledge	NOUN
fsr-3406	489	7	,	,	PUNCT
fsr-3406	489	8	many	many	ADJ
fsr-3406	489	9	individuals	individual	NOUN
fsr-3406	489	10	have	have	VERB
fsr-3406	489	11	concerns	concern	NOUN
fsr-3406	489	12	about	about	ADP
fsr-3406	489	13	retirement	retirement	NOUN
fsr-3406	489	14	preparedness	preparedness	NOUN
fsr-3406	489	15	.	.	PUNCT
fsr-3406	490	1	this	this	PRON
fsr-3406	490	2	is	be	AUX
fsr-3406	490	3	understandable	understandable	ADJ
fsr-3406	490	4	as	as	SCONJ
fsr-3406	490	5	we	we	PRON
fsr-3406	490	6	can	can	AUX
fsr-3406	490	7	not	not	PART
fsr-3406	490	8	predict	predict	VERB
fsr-3406	490	9	the	the	DET
fsr-3406	490	10	future	future	NOUN
fsr-3406	490	11	;	;	PUNCT
fsr-3406	490	12	there	there	PRON
fsr-3406	490	13	is	be	VERB
fsr-3406	490	14	a	a	DET
fsr-3406	490	15	natural	natural	ADJ
fsr-3406	490	16	sense	sense	NOUN
fsr-3406	490	17	of	of	ADP
fsr-3406	490	18	uncertainty	uncertainty	NOUN
fsr-3406	490	19	.	.	PUNCT
fsr-3406	491	1	6	6	X
fsr-3406	491	2	.	.	X
fsr-3406	491	3	conclusion	conclusion	NOUN
fsr-3406	491	4	this	this	DET
fsr-3406	491	5	study	study	NOUN
fsr-3406	491	6	contributes	contribute	VERB
fsr-3406	491	7	to	to	ADP
fsr-3406	491	8	the	the	DET
fsr-3406	491	9	literature	literature	NOUN
fsr-3406	491	10	by	by	ADP
fsr-3406	491	11	exploring	explore	VERB
fsr-3406	491	12	whether	whether	SCONJ
fsr-3406	491	13	financial	financial	ADJ
fsr-3406	491	14	literacy	literacy	NOUN
fsr-3406	491	15	has	have	VERB
fsr-3406	491	16	any	any	DET
fsr-3406	491	17	association	association	NOUN
fsr-3406	491	18	with	with	ADP
fsr-3406	491	19	financial	financial	ADJ
fsr-3406	491	20	distress	distress	NOUN
fsr-3406	491	21	,	,	PUNCT
fsr-3406	491	22	even	even	ADV
fsr-3406	491	23	after	after	ADP
fsr-3406	491	24	controlling	control	VERB
fsr-3406	491	25	for	for	ADP
fsr-3406	491	26	financial	financial	ADJ
fsr-3406	491	27	behavior	behavior	NOUN
fsr-3406	491	28	.	.	PUNCT
fsr-3406	492	1	it	it	PRON
fsr-3406	492	2	is	be	AUX
fsr-3406	492	3	quite	quite	ADV
fsr-3406	492	4	common	common	ADJ
fsr-3406	492	5	to	to	PART
fsr-3406	492	6	assume	assume	VERB
fsr-3406	492	7	that	that	SCONJ
fsr-3406	492	8	good	good	ADJ
fsr-3406	492	9	(	(	PUNCT
fsr-3406	492	10	bad	bad	ADJ
fsr-3406	492	11	)	)	PUNCT
fsr-3406	492	12	financial	financial	ADJ
fsr-3406	492	13	behavior	behavior	NOUN
fsr-3406	492	14	will	will	AUX
fsr-3406	492	15	be	be	AUX
fsr-3406	492	16	associated	associate	VERB
fsr-3406	492	17	with	with	ADP
fsr-3406	492	18	less	less	ADJ
fsr-3406	492	19	(	(	PUNCT
fsr-3406	492	20	more	more	ADJ
fsr-3406	492	21	)	)	PUNCT
fsr-3406	492	22	financial	financial	ADJ
fsr-3406	492	23	distress	distress	NOUN
fsr-3406	492	24	or	or	CCONJ
fsr-3406	492	25	concerns	concern	NOUN
fsr-3406	492	26	.	.	PUNCT
fsr-3406	493	1	the	the	DET
fsr-3406	493	2	results	result	NOUN
fsr-3406	493	3	are	be	AUX
fsr-3406	493	4	as	as	SCONJ
fsr-3406	493	5	expected	expect	VERB
fsr-3406	493	6	.	.	PUNCT
fsr-3406	494	1	as	as	SCONJ
fsr-3406	494	2	mentioned	mention	VERB
fsr-3406	494	3	in	in	ADP
fsr-3406	494	4	previous	previous	ADJ
fsr-3406	494	5	studies	study	NOUN
fsr-3406	494	6	,	,	PUNCT
fsr-3406	494	7	financial	financial	ADJ
fsr-3406	494	8	literacy	literacy	NOUN
fsr-3406	494	9	and	and	CCONJ
fsr-3406	494	10	financial	financial	ADJ
fsr-3406	494	11	knowledge	knowledge	NOUN
fsr-3406	494	12	can	can	AUX
fsr-3406	494	13	be	be	AUX
fsr-3406	494	14	distinct	distinct	ADJ
fsr-3406	494	15	concepts	concept	NOUN
fsr-3406	494	16	,	,	PUNCT
fsr-3406	494	17	and	and	CCONJ
fsr-3406	494	18	higher	high	ADJ
fsr-3406	494	19	financial	financial	ADJ
fsr-3406	494	20	literacy	literacy	NOUN
fsr-3406	494	21	does	do	AUX
fsr-3406	494	22	not	not	PART
fsr-3406	494	23	necessarily	necessarily	ADV
fsr-3406	494	24	translate	translate	VERB
fsr-3406	494	25	into	into	ADP
fsr-3406	494	26	better	well	ADJ
fsr-3406	494	27	financial	financial	ADJ
fsr-3406	494	28	behavior	behavior	NOUN
fsr-3406	494	29	;	;	PUNCT
fsr-3406	494	30	implementation	implementation	NOUN
fsr-3406	494	31	in	in	ADP
fsr-3406	494	32	real	real	ADJ
fsr-3406	494	33	life	life	NOUN
fsr-3406	494	34	can	can	AUX
fsr-3406	494	35	be	be	AUX
fsr-3406	494	36	quite	quite	ADV
fsr-3406	494	37	complex	complex	ADJ
fsr-3406	494	38	(	(	PUNCT
fsr-3406	494	39	e.g.	e.g.	ADJ
fsr-3406	494	40	,	,	PUNCT
fsr-3406	494	41	retirement	retirement	NOUN
fsr-3406	494	42	planning	planning	NOUN
fsr-3406	494	43	)	)	PUNCT
fsr-3406	494	44	.	.	PUNCT
fsr-3406	495	1	however	however	ADV
fsr-3406	495	2	,	,	PUNCT
fsr-3406	495	3	when	when	SCONJ
fsr-3406	495	4	the	the	DET
fsr-3406	495	5	decision	decision	NOUN
fsr-3406	495	6	is	be	AUX
fsr-3406	495	7	not	not	PART
fsr-3406	495	8	very	very	ADV
fsr-3406	495	9	complicated	complicated	ADJ
fsr-3406	495	10	,	,	PUNCT
fsr-3406	495	11	we	we	PRON
fsr-3406	495	12	see	see	VERB
fsr-3406	495	13	that	that	SCONJ
fsr-3406	495	14	the	the	DET
fsr-3406	495	15	impact	impact	NOUN
fsr-3406	495	16	of	of	ADP
fsr-3406	495	17	financial	financial	ADJ
fsr-3406	495	18	literacy	literacy	NOUN
fsr-3406	495	19	can	can	AUX
fsr-3406	495	20	be	be	AUX
fsr-3406	495	21	larger	large	ADJ
fsr-3406	495	22	and	and	CCONJ
fsr-3406	495	23	easier	easy	ADJ
fsr-3406	495	24	to	to	PART
fsr-3406	495	25	observe	observe	VERB
fsr-3406	495	26	(	(	PUNCT
fsr-3406	495	27	e.g.	e.g.	ADV
fsr-3406	495	28	,	,	PUNCT
fsr-3406	495	29	understanding	understand	VERB
fsr-3406	495	30	that	that	SCONJ
fsr-3406	495	31	late	late	ADJ
fsr-3406	495	32	payments	payment	NOUN
fsr-3406	495	33	are	be	AUX
fsr-3406	495	34	not	not	PART
fsr-3406	495	35	good	good	ADJ
fsr-3406	495	36	for	for	ADP
fsr-3406	495	37	credit	credit	NOUN
fsr-3406	495	38	cards	card	NOUN
fsr-3406	495	39	and	and	CCONJ
fsr-3406	495	40	mortgages	mortgage	NOUN
fsr-3406	495	41	)	)	PUNCT
fsr-3406	495	42	.	.	PUNCT
fsr-3406	496	1	more	more	ADV
fsr-3406	496	2	specifically	specifically	ADV
fsr-3406	496	3	,	,	PUNCT
fsr-3406	496	4	using	use	VERB
fsr-3406	496	5	data	datum	NOUN
fsr-3406	496	6	from	from	ADP
fsr-3406	496	7	the	the	DET
fsr-3406	496	8	2015	2015	NUM
fsr-3406	496	9	national	national	ADJ
fsr-3406	496	10	financial	financial	ADJ
fsr-3406	496	11	capability	capability	NOUN
fsr-3406	496	12	study	study	NOUN
fsr-3406	496	13	,	,	PUNCT
fsr-3406	496	14	and	and	CCONJ
fsr-3406	496	15	the	the	DET
fsr-3406	496	16	survey	survey	NOUN
fsr-3406	496	17	questionnaire	questionnaire	NOUN
fsr-3406	496	18	designed	design	VERB
fsr-3406	496	19	by	by	ADP
fsr-3406	496	20	atkinson	atkinson	PROPN
fsr-3406	496	21	and	and	CCONJ
fsr-3406	496	22	messy	messy	ADJ
fsr-3406	496	23	(	(	PUNCT
fsr-3406	496	24	2011	2011	NUM
fsr-3406	496	25	)	)	PUNCT
fsr-3406	496	26	,	,	PUNCT
fsr-3406	496	27	we	we	PRON
fsr-3406	496	28	use	use	VERB
fsr-3406	496	29	three	three	NUM
fsr-3406	496	30	measures	measure	NOUN
fsr-3406	496	31	of	of	ADP
fsr-3406	496	32	financial	financial	ADJ
fsr-3406	496	33	distress	distress	NOUN
fsr-3406	496	34	to	to	PART
fsr-3406	496	35	develop	develop	VERB
fsr-3406	496	36	financial	financial	ADJ
fsr-3406	496	37	literacy	literacy	NOUN
fsr-3406	496	38	and	and	CCONJ
fsr-3406	496	39	financial	financial	ADJ
fsr-3406	496	40	behavior	behavior	NOUN
fsr-3406	496	41	indices	indice	VERB
fsr-3406	496	42	.	.	PUNCT
fsr-3406	497	1	these	these	DET
fsr-3406	497	2	measures	measure	NOUN
fsr-3406	497	3	include	include	VERB
fsr-3406	497	4	having	have	VERB
fsr-3406	497	5	difficulty	difficulty	NOUN
fsr-3406	497	6	paying	pay	VERB
fsr-3406	497	7	bills	bill	NOUN
fsr-3406	497	8	,	,	PUNCT
fsr-3406	497	9	worrying	worry	VERB
fsr-3406	497	10	about	about	ADP
fsr-3406	497	11	retirement	retirement	NOUN
fsr-3406	497	12	funding	funding	NOUN
fsr-3406	497	13	,	,	PUNCT
fsr-3406	497	14	and	and	CCONJ
fsr-3406	497	15	being	be	AUX
fsr-3406	497	16	late	late	ADJ
fsr-3406	497	17	with	with	ADP
fsr-3406	497	18	mortgage	mortgage	NOUN
fsr-3406	497	19	payments	payment	NOUN
fsr-3406	497	20	.	.	PUNCT
fsr-3406	498	1	from	from	ADP
fsr-3406	498	2	our	our	PRON
fsr-3406	498	3	results	result	NOUN
fsr-3406	498	4	,	,	PUNCT
fsr-3406	498	5	individuals	individual	NOUN
fsr-3406	498	6	with	with	ADP
fsr-3406	498	7	dependent	dependent	ADJ
fsr-3406	498	8	children	child	NOUN
fsr-3406	498	9	have	have	VERB
fsr-3406	498	10	a	a	DET
fsr-3406	498	11	higher	high	ADJ
fsr-3406	498	12	probability	probability	NOUN
fsr-3406	498	13	of	of	ADP
fsr-3406	498	14	suffering	suffer	VERB
fsr-3406	498	15	financial	financial	ADJ
fsr-3406	498	16	distress	distress	NOUN
fsr-3406	498	17	.	.	PUNCT
fsr-3406	499	1	respondents	respondent	NOUN
fsr-3406	499	2	within	within	ADP
fsr-3406	499	3	the	the	DET
fsr-3406	499	4	age	age	NOUN
fsr-3406	499	5	55	55	NUM
fsr-3406	499	6	�	�	PROPN
fsr-3406	499	7	range	range	NOUN
fsr-3406	499	8	are	be	AUX
fsr-3406	499	9	less	less	ADV
fsr-3406	499	10	likely	likely	ADJ
fsr-3406	499	11	to	to	PART
fsr-3406	499	12	suffer	suffer	VERB
fsr-3406	499	13	from	from	ADP
fsr-3406	499	14	financial	financial	ADJ
fsr-3406	499	15	difficulties	difficulty	NOUN
fsr-3406	499	16	.	.	PUNCT
fsr-3406	500	1	married	married	ADJ
fsr-3406	500	2	individuals	individual	NOUN
fsr-3406	500	3	are	be	AUX
fsr-3406	500	4	also	also	ADV
fsr-3406	500	5	less	less	ADV
fsr-3406	500	6	likely	likely	ADJ
fsr-3406	500	7	to	to	PART
fsr-3406	500	8	become	become	VERB
fsr-3406	500	9	financially	financially	ADV
fsr-3406	500	10	distressed	distressed	ADJ
fsr-3406	500	11	.	.	PUNCT
fsr-3406	501	1	practicing	practice	VERB
fsr-3406	501	2	wise	wise	ADJ
fsr-3406	501	3	financial	financial	ADJ
fsr-3406	501	4	behaviors	behavior	NOUN
fsr-3406	501	5	such	such	ADJ
fsr-3406	501	6	as	as	ADP
fsr-3406	501	7	saving	save	VERB
fsr-3406	501	8	for	for	ADP
fsr-3406	501	9	emergency	emergency	NOUN
fsr-3406	501	10	funds	fund	NOUN
fsr-3406	501	11	,	,	PUNCT
fsr-3406	501	12	having	have	VERB
fsr-3406	501	13	health	health	NOUN
fsr-3406	501	14	insurance	insurance	NOUN
fsr-3406	501	15	,	,	PUNCT
fsr-3406	501	16	and	and	CCONJ
fsr-3406	501	17	paying	pay	VERB
fsr-3406	501	18	credit	credit	NOUN
fsr-3406	501	19	card	card	NOUN
fsr-3406	501	20	balances	balance	NOUN
fsr-3406	501	21	in	in	ADP
fsr-3406	501	22	full	full	ADJ
fsr-3406	501	23	,	,	PUNCT
fsr-3406	501	24	highly	highly	ADV
fsr-3406	501	25	reduces	reduce	VERB
fsr-3406	501	26	the	the	DET
fsr-3406	501	27	probability	probability	NOUN
fsr-3406	501	28	of	of	ADP
fsr-3406	501	29	experiencing	experience	VERB
fsr-3406	501	30	financial	financial	ADJ
fsr-3406	501	31	distress	distress	NOUN
fsr-3406	501	32	.	.	PUNCT
fsr-3406	502	1	individuals	individual	NOUN
fsr-3406	502	2	with	with	ADP
fsr-3406	502	3	higher	high	ADJ
fsr-3406	502	4	levels	level	NOUN
fsr-3406	502	5	of	of	ADP
fsr-3406	502	6	financial	financial	ADJ
fsr-3406	502	7	literacy	literacy	NOUN
fsr-3406	502	8	,	,	PUNCT
fsr-3406	502	9	who	who	PRON
fsr-3406	502	10	engage	engage	VERB
fsr-3406	502	11	in	in	ADP
fsr-3406	502	12	positive	positive	ADJ
fsr-3406	502	13	financial	financial	ADJ
fsr-3406	502	14	behavior	behavior	NOUN
fsr-3406	502	15	such	such	ADJ
fsr-3406	502	16	as	as	ADP
fsr-3406	502	17	paying	pay	VERB
fsr-3406	502	18	bills	bill	NOUN
fsr-3406	502	19	on	on	ADP
fsr-3406	502	20	time	time	NOUN
fsr-3406	502	21	,	,	PUNCT
fsr-3406	502	22	are	be	AUX
fsr-3406	502	23	less	less	ADV
fsr-3406	502	24	likely	likely	ADJ
fsr-3406	502	25	to	to	PART
fsr-3406	502	26	suffer	suffer	VERB
fsr-3406	502	27	from	from	ADP
fsr-3406	502	28	financial	financial	ADJ
fsr-3406	502	29	distress	distress	NOUN
fsr-3406	502	30	.	.	PUNCT
fsr-3406	503	1	however	however	ADV
fsr-3406	503	2	,	,	PUNCT
fsr-3406	503	3	regardless	regardless	ADV
fsr-3406	503	4	of	of	ADP
fsr-3406	503	5	the	the	DET
fsr-3406	503	6	level	level	NOUN
fsr-3406	503	7	of	of	ADP
fsr-3406	503	8	financial	financial	ADJ
fsr-3406	503	9	knowledge	knowledge	NOUN
fsr-3406	503	10	and	and	CCONJ
fsr-3406	503	11	behavior	behavior	NOUN
fsr-3406	503	12	,	,	PUNCT
fsr-3406	503	13	evidence	evidence	NOUN
fsr-3406	503	14	of	of	ADP
fsr-3406	503	15	financial	financial	ADJ
fsr-3406	503	16	distress	distress	NOUN
fsr-3406	503	17	remains	remain	VERB
fsr-3406	503	18	for	for	ADP
fsr-3406	503	19	retirement	retirement	NOUN
fsr-3406	503	20	planning	planning	NOUN
fsr-3406	503	21	.	.	PUNCT
fsr-3406	504	1	arguably	arguably	ADV
fsr-3406	504	2	,	,	PUNCT
fsr-3406	504	3	this	this	PRON
fsr-3406	504	4	can	can	AUX
fsr-3406	504	5	be	be	AUX
fsr-3406	504	6	attributed	attribute	VERB
fsr-3406	504	7	to	to	ADP
fsr-3406	504	8	the	the	DET
fsr-3406	504	9	complexity	complexity	NOUN
fsr-3406	504	10	and	and	CCONJ
fsr-3406	504	11	uncertainty	uncertainty	NOUN
fsr-3406	504	12	associated	associate	VERB
fsr-3406	504	13	with	with	ADP
fsr-3406	504	14	planning	planning	NOUN
fsr-3406	504	15	and	and	CCONJ
fsr-3406	504	16	being	be	AUX
fsr-3406	504	17	prepared	prepare	VERB
fsr-3406	504	18	for	for	ADP
fsr-3406	504	19	retirement	retirement	NOUN
fsr-3406	504	20	.	.	PUNCT
fsr-3406	505	1	highlighting	highlight	VERB
fsr-3406	505	2	the	the	DET
fsr-3406	505	3	limitations	limitation	NOUN
fsr-3406	505	4	of	of	ADP
fsr-3406	505	5	our	our	PRON
fsr-3406	505	6	study	study	NOUN
fsr-3406	505	7	is	be	AUX
fsr-3406	505	8	worthwhile	worthwhile	ADJ
fsr-3406	505	9	.	.	PUNCT
fsr-3406	506	1	in	in	ADP
fsr-3406	506	2	some	some	DET
fsr-3406	506	3	cases	case	NOUN
fsr-3406	506	4	,	,	PUNCT
fsr-3406	506	5	financial	financial	ADJ
fsr-3406	506	6	decisionmaking	decisionmaking	NOUN
fsr-3406	506	7	or	or	CCONJ
fsr-3406	506	8	behavior	behavior	NOUN
fsr-3406	506	9	is	be	AUX
fsr-3406	506	10	also	also	ADV
fsr-3406	506	11	affected	affect	VERB
fsr-3406	506	12	by	by	ADP
fsr-3406	506	13	innate	innate	ADJ
fsr-3406	506	14	human	human	ADJ
fsr-3406	506	15	capital	capital	NOUN
fsr-3406	506	16	characteristics	characteristic	NOUN
fsr-3406	506	17	,	,	PUNCT
fsr-3406	506	18	for	for	ADP
fsr-3406	506	19	example	example	NOUN
fsr-3406	506	20	,	,	PUNCT
fsr-3406	506	21	iq	iq	NOUN
fsr-3406	506	22	and	and	CCONJ
fsr-3406	506	23	time	time	NOUN
fsr-3406	506	24	preference	preference	NOUN
fsr-3406	506	25	,	,	PUNCT
fsr-3406	506	26	alongside	alongside	ADP
fsr-3406	506	27	parental	parental	ADJ
fsr-3406	506	28	and	and	CCONJ
fsr-3406	506	29	peer	peer	NOUN
fsr-3406	506	30	influence	influence	NOUN
fsr-3406	506	31	.	.	PUNCT
fsr-3406	507	1	if	if	SCONJ
fsr-3406	507	2	the	the	DET
fsr-3406	507	3	dataset	dataset	NOUN
fsr-3406	507	4	allowed	allow	VERB
fsr-3406	507	5	for	for	ADP
fsr-3406	507	6	the	the	DET
fsr-3406	507	7	409j.k	409j.k	NOUN
fsr-3406	507	8	.	.	PUNCT
fsr-3406	508	1	scott	scott	PROPN
fsr-3406	508	2	et	et	PROPN
fsr-3406	508	3	al	al	PROPN
fsr-3406	508	4	.	.	PUNCT
fsr-3406	508	5	/	/	SYM
fsr-3406	508	6	financial	financial	ADJ
fsr-3406	508	7	services	service	NOUN
fsr-3406	508	8	review	review	VERB
fsr-3406	508	9	27	27	NUM
fsr-3406	508	10	(	(	PUNCT
fsr-3406	508	11	2018	2018	NUM
fsr-3406	508	12	)	)	PUNCT
fsr-3406	508	13	391	391	NUM
fsr-3406	508	14	-	-	SYM
fsr-3406	508	15	411	411	NUM
fsr-3406	508	16	inclusion	inclusion	NOUN
fsr-3406	508	17	of	of	ADP
fsr-3406	508	18	those	those	DET
fsr-3406	508	19	variables	variable	NOUN
fsr-3406	508	20	,	,	PUNCT
fsr-3406	508	21	we	we	PRON
fsr-3406	508	22	might	might	AUX
fsr-3406	508	23	see	see	VERB
fsr-3406	508	24	different	different	ADJ
fsr-3406	508	25	results	result	NOUN
fsr-3406	508	26	.	.	PUNCT
fsr-3406	509	1	also	also	ADV
fsr-3406	509	2	,	,	PUNCT
fsr-3406	509	3	while	while	SCONJ
fsr-3406	509	4	we	we	PRON
fsr-3406	509	5	include	include	VERB
fsr-3406	509	6	income	income	NOUN
fsr-3406	509	7	and	and	CCONJ
fsr-3406	509	8	a	a	DET
fsr-3406	509	9	reduction	reduction	NOUN
fsr-3406	509	10	in	in	ADP
fsr-3406	509	11	income	income	NOUN
fsr-3406	509	12	as	as	ADP
fsr-3406	509	13	control	control	NOUN
fsr-3406	509	14	variables	variable	NOUN
fsr-3406	509	15	,	,	PUNCT
fsr-3406	509	16	we	we	PRON
fsr-3406	509	17	did	do	AUX
fsr-3406	509	18	not	not	PART
fsr-3406	509	19	control	control	VERB
fsr-3406	509	20	for	for	ADP
fsr-3406	509	21	net	net	ADJ
fsr-3406	509	22	worth	worth	NOUN
fsr-3406	509	23	as	as	SCONJ
fsr-3406	509	24	the	the	DET
fsr-3406	509	25	nfcs	nfcs	NOUN
fsr-3406	509	26	does	do	AUX
fsr-3406	509	27	not	not	PART
fsr-3406	509	28	allow	allow	VERB
fsr-3406	509	29	for	for	ADP
fsr-3406	509	30	the	the	DET
fsr-3406	509	31	operationalization	operationalization	NOUN
fsr-3406	509	32	of	of	ADP
fsr-3406	509	33	this	this	DET
fsr-3406	509	34	variable	variable	NOUN
fsr-3406	509	35	.	.	PUNCT
fsr-3406	510	1	therefore	therefore	ADV
fsr-3406	510	2	,	,	PUNCT
fsr-3406	510	3	future	future	ADJ
fsr-3406	510	4	research	research	NOUN
fsr-3406	510	5	would	would	AUX
fsr-3406	510	6	benefit	benefit	VERB
fsr-3406	510	7	from	from	ADP
fsr-3406	510	8	including	include	VERB
fsr-3406	510	9	the	the	DET
fsr-3406	510	10	variables	variable	NOUN
fsr-3406	510	11	mentioned	mention	VERB
fsr-3406	510	12	above	above	ADV
fsr-3406	510	13	when	when	SCONJ
fsr-3406	510	14	studying	study	VERB
fsr-3406	510	15	this	this	DET
fsr-3406	510	16	topic	topic	NOUN
fsr-3406	510	17	.	.	PUNCT
fsr-3406	511	1	additionally	additionally	ADV
fsr-3406	511	2	,	,	PUNCT
fsr-3406	511	3	policy	policy	NOUN
fsr-3406	511	4	implications	implication	NOUN
fsr-3406	511	5	from	from	ADP
fsr-3406	511	6	our	our	PRON
fsr-3406	511	7	research	research	NOUN
fsr-3406	511	8	are	be	AUX
fsr-3406	511	9	evident	evident	ADJ
fsr-3406	511	10	;	;	PUNCT
fsr-3406	511	11	particularly	particularly	ADV
fsr-3406	511	12	,	,	PUNCT
fsr-3406	511	13	strategies	strategy	NOUN
fsr-3406	511	14	and	and	CCONJ
fsr-3406	511	15	programs	program	NOUN
fsr-3406	511	16	aimed	aim	VERB
fsr-3406	511	17	at	at	ADP
fsr-3406	511	18	promoting	promote	VERB
fsr-3406	511	19	financial	financial	ADJ
fsr-3406	511	20	literacy	literacy	NOUN
fsr-3406	511	21	(	(	PUNCT
fsr-3406	511	22	including	include	VERB
fsr-3406	511	23	behavior	behavior	NOUN
fsr-3406	511	24	)	)	PUNCT
fsr-3406	511	25	and	and	CCONJ
fsr-3406	511	26	at	at	ADP
fsr-3406	511	27	reducing	reduce	VERB
fsr-3406	511	28	financial	financial	ADJ
fsr-3406	511	29	distress	distress	NOUN
fsr-3406	511	30	.	.	PUNCT
fsr-3406	512	1	specifically	specifically	ADV
fsr-3406	512	2	,	,	PUNCT
fsr-3406	512	3	when	when	SCONJ
fsr-3406	512	4	designing	design	VERB
fsr-3406	512	5	these	these	DET
fsr-3406	512	6	programs	program	NOUN
fsr-3406	512	7	,	,	PUNCT
fsr-3406	512	8	it	it	PRON
fsr-3406	512	9	may	may	AUX
fsr-3406	512	10	be	be	AUX
fsr-3406	512	11	worthwhile	worthwhile	ADJ
fsr-3406	512	12	to	to	PART
fsr-3406	512	13	focus	focus	VERB
fsr-3406	512	14	not	not	PART
fsr-3406	512	15	only	only	ADV
fsr-3406	512	16	on	on	ADP
fsr-3406	512	17	shaping	shape	VERB
fsr-3406	512	18	personal	personal	ADJ
fsr-3406	512	19	financial	financial	ADJ
fsr-3406	512	20	knowledge	knowledge	NOUN
fsr-3406	512	21	but	but	CCONJ
fsr-3406	512	22	also	also	ADV
fsr-3406	512	23	on	on	ADP
fsr-3406	512	24	the	the	DET
fsr-3406	512	25	use	use	NOUN
fsr-3406	512	26	of	of	ADP
fsr-3406	512	27	knowledge	knowledge	NOUN
fsr-3406	512	28	to	to	PART
fsr-3406	512	29	manage	manage	VERB
fsr-3406	512	30	financial	financial	ADJ
fsr-3406	512	31	resources	resource	NOUN
fsr-3406	512	32	and	and	CCONJ
fsr-3406	512	33	expectations	expectation	NOUN
fsr-3406	512	34	effectively	effectively	ADV
fsr-3406	512	35	.	.	PUNCT
fsr-3406	513	1	for	for	ADP
fsr-3406	513	2	example	example	NOUN
fsr-3406	513	3	,	,	PUNCT
fsr-3406	513	4	past	past	ADP
fsr-3406	513	5	financial	financial	ADJ
fsr-3406	513	6	behavior	behavior	NOUN
fsr-3406	513	7	may	may	AUX
fsr-3406	513	8	dictate	dictate	VERB
fsr-3406	513	9	the	the	DET
fsr-3406	513	10	level	level	NOUN
fsr-3406	513	11	of	of	ADP
fsr-3406	513	12	education	education	NOUN
fsr-3406	513	13	required	require	VERB
fsr-3406	513	14	(	(	PUNCT
fsr-3406	513	15	in	in	ADP
fsr-3406	513	16	moderation	moderation	NOUN
fsr-3406	513	17	)	)	PUNCT
fsr-3406	513	18	as	as	ADV
fsr-3406	513	19	well	well	ADV
fsr-3406	513	20	as	as	ADP
fsr-3406	513	21	behavioral	behavioral	ADJ
fsr-3406	513	22	strategies	strategy	NOUN
fsr-3406	513	23	that	that	PRON
fsr-3406	513	24	might	might	AUX
fsr-3406	513	25	be	be	AUX
fsr-3406	513	26	more	more	ADV
fsr-3406	513	27	impactful	impactful	ADJ
fsr-3406	513	28	.	.	PUNCT
fsr-3406	514	1	our	our	PRON
fsr-3406	514	2	study	study	NOUN
fsr-3406	514	3	,	,	PUNCT
fsr-3406	514	4	therefore	therefore	ADV
fsr-3406	514	5	,	,	PUNCT
fsr-3406	514	6	further	further	ADJ
fsr-3406	514	7	prompts	prompt	NOUN
fsr-3406	514	8	investigation	investigation	NOUN
fsr-3406	514	9	and	and	CCONJ
fsr-3406	514	10	continued	continued	ADJ
fsr-3406	514	11	development	development	NOUN
fsr-3406	514	12	of	of	ADP
fsr-3406	514	13	“	"	PUNCT
fsr-3406	514	14	just	just	ADV
fsr-3406	514	15	-	-	PUNCT
fsr-3406	514	16	in	in	ADP
fsr-3406	514	17	-	-	PUNCT
fsr-3406	514	18	time	time	NOUN
fsr-3406	514	19	”	"	PUNCT
fsr-3406	514	20	personal	personal	ADJ
fsr-3406	514	21	finance	finance	NOUN
fsr-3406	514	22	programs	program	NOUN
fsr-3406	514	23	to	to	PART
fsr-3406	514	24	help	help	VERB
fsr-3406	514	25	individuals	individual	NOUN
fsr-3406	514	26	who	who	PRON
fsr-3406	514	27	are	be	AUX
fsr-3406	514	28	more	more	ADV
fsr-3406	514	29	prone	prone	ADJ
fsr-3406	514	30	to	to	PART
fsr-3406	514	31	fall	fall	VERB
fsr-3406	514	32	into	into	ADP
fsr-3406	514	33	financial	financial	ADJ
fsr-3406	514	34	distress	distress	NOUN
fsr-3406	514	35	,	,	PUNCT
fsr-3406	514	36	especially	especially	ADV
fsr-3406	514	37	during	during	ADP
fsr-3406	514	38	key	key	ADJ
fsr-3406	514	39	wealth	wealth	NOUN
fsr-3406	514	40	-	-	PUNCT
fsr-3406	514	41	building	build	VERB
fsr-3406	514	42	life	life	NOUN
fsr-3406	514	43	stages	stage	NOUN
fsr-3406	514	44	such	such	ADJ
fsr-3406	514	45	as	as	ADP
fsr-3406	514	46	retirement	retirement	NOUN
fsr-3406	514	47	planning	planning	NOUN
fsr-3406	514	48	.	.	PUNCT
fsr-3406	515	1	references	reference	NOUN
fsr-3406	515	2	altintas	altintas	PROPN
fsr-3406	515	3	,	,	PUNCT
fsr-3406	515	4	k.	k.	PROPN
fsr-3406	515	5	m.	m.	PROPN
fsr-3406	515	6	(	(	PUNCT
fsr-3406	515	7	2011	2011	NUM
fsr-3406	515	8	)	)	PUNCT
fsr-3406	515	9	.	.	PUNCT
fsr-3406	516	1	the	the	DET
fsr-3406	516	2	dynamics	dynamic	NOUN
fsr-3406	516	3	of	of	ADP
fsr-3406	516	4	financial	financial	ADJ
fsr-3406	516	5	literacy	literacy	NOUN
fsr-3406	516	6	within	within	ADP
fsr-3406	516	7	the	the	DET
fsr-3406	516	8	framework	framework	NOUN
fsr-3406	516	9	of	of	ADP
fsr-3406	516	10	personal	personal	ADJ
fsr-3406	516	11	finance	finance	NOUN
fsr-3406	516	12	:	:	PUNCT
fsr-3406	516	13	an	an	DET
fsr-3406	516	14	analysis	analysis	NOUN
fsr-3406	516	15	among	among	ADP
fsr-3406	516	16	turkish	turkish	ADJ
fsr-3406	516	17	university	university	NOUN
fsr-3406	516	18	students	student	NOUN
fsr-3406	516	19	.	.	PUNCT
fsr-3406	517	1	african	african	ADJ
fsr-3406	517	2	journal	journal	PROPN
fsr-3406	517	3	of	of	ADP
fsr-3406	517	4	business	business	NOUN
fsr-3406	517	5	management	management	NOUN
fsr-3406	517	6	,	,	PUNCT
fsr-3406	517	7	5	5	NUM
fsr-3406	517	8	,	,	PUNCT
fsr-3406	517	9	10483–10491	10483–10491	NUM
fsr-3406	517	10	.	.	PUNCT
fsr-3406	518	1	allgood	allgood	PROPN
fsr-3406	518	2	,	,	PUNCT
fsr-3406	518	3	s.	s.	PROPN
fsr-3406	518	4	,	,	PUNCT
fsr-3406	518	5	&	&	CCONJ
fsr-3406	518	6	walstad	walstad	PROPN
fsr-3406	518	7	,	,	PUNCT
fsr-3406	518	8	w.	w.	PROPN
fsr-3406	518	9	b.	b.	PROPN
fsr-3406	518	10	(	(	PUNCT
fsr-3406	518	11	2016	2016	NUM
fsr-3406	518	12	)	)	PUNCT
fsr-3406	518	13	.	.	PUNCT
fsr-3406	519	1	the	the	DET
fsr-3406	519	2	effects	effect	NOUN
fsr-3406	519	3	of	of	ADP
fsr-3406	519	4	perceived	perceive	VERB
fsr-3406	519	5	and	and	CCONJ
fsr-3406	519	6	actual	actual	ADJ
fsr-3406	519	7	financial	financial	ADJ
fsr-3406	519	8	literacy	literacy	NOUN
fsr-3406	519	9	on	on	ADP
fsr-3406	519	10	financial	financial	ADJ
fsr-3406	519	11	behaviors	behavior	NOUN
fsr-3406	519	12	.	.	PUNCT
fsr-3406	520	1	economic	economic	ADJ
fsr-3406	520	2	inquiry	inquiry	NOUN
fsr-3406	520	3	,	,	PUNCT
fsr-3406	520	4	54	54	NUM
fsr-3406	520	5	,	,	PUNCT
fsr-3406	520	6	675–697	675–697	NUM
fsr-3406	520	7	.	.	PUNCT
fsr-3406	521	1	anz	anz	PROPN
fsr-3406	521	2	-	-	PUNCT
fsr-3406	521	3	retirement	retirement	PROPN
fsr-3406	521	4	commission	commission	NOUN
fsr-3406	521	5	.	.	PUNCT
fsr-3406	522	1	(	(	PUNCT
fsr-3406	522	2	2009	2009	NUM
fsr-3406	522	3	)	)	PUNCT
fsr-3406	522	4	.	.	PUNCT
fsr-3406	523	1	financial	financial	ADJ
fsr-3406	523	2	knowledge	knowledge	NOUN
fsr-3406	523	3	survey	survey	NOUN
fsr-3406	523	4	(	(	PUNCT
fsr-3406	523	5	available	available	ADJ
fsr-3406	523	6	at	at	ADP
fsr-3406	523	7	http://www.financialliteracy	http://www.financialliteracy	NOUN
fsr-3406	523	8	.	.	PUNCT
fsr-3406	524	1	org.nz/sites/default/files/webfm/research/r-fksurvey-2009.pdf	org.nz/sites/default/files/webfm/research/r-fksurvey-2009.pdf	NOUN
fsr-3406	524	2	)	)	PUNCT
fsr-3406	524	3	.	.	PUNCT
fsr-3406	525	1	asaad	asaad	PROPN
fsr-3406	525	2	,	,	PUNCT
fsr-3406	525	3	c.	c.	PROPN
fsr-3406	525	4	t.	t.	PROPN
fsr-3406	525	5	(	(	PUNCT
fsr-3406	525	6	2015	2015	NUM
fsr-3406	525	7	)	)	PUNCT
fsr-3406	525	8	.	.	PUNCT
fsr-3406	526	1	financial	financial	ADJ
fsr-3406	526	2	literacy	literacy	NOUN
fsr-3406	526	3	and	and	CCONJ
fsr-3406	526	4	financial	financial	ADJ
fsr-3406	526	5	behavior	behavior	NOUN
fsr-3406	526	6	:	:	PUNCT
fsr-3406	526	7	assessing	assess	VERB
fsr-3406	526	8	knowledge	knowledge	NOUN
fsr-3406	526	9	and	and	CCONJ
fsr-3406	526	10	confidence	confidence	NOUN
fsr-3406	526	11	.	.	PUNCT
fsr-3406	527	1	financial	financial	ADJ
fsr-3406	527	2	services	service	NOUN
fsr-3406	527	3	review	review	PROPN
fsr-3406	527	4	,	,	PUNCT
fsr-3406	527	5	24	24	NUM
fsr-3406	527	6	,	,	PUNCT
fsr-3406	527	7	101–117	101–117	NUM
fsr-3406	527	8	.	.	PUNCT
fsr-3406	528	1	atkinson	atkinson	PROPN
fsr-3406	528	2	,	,	PUNCT
fsr-3406	528	3	a.	a.	PROPN
fsr-3406	528	4	,	,	PUNCT
fsr-3406	528	5	&	&	CCONJ
fsr-3406	528	6	messy	messy	PROPN
fsr-3406	528	7	,	,	PUNCT
fsr-3406	528	8	f.	f.	PROPN
fsr-3406	528	9	a.	a.	PROPN
fsr-3406	528	10	(	(	PUNCT
fsr-3406	528	11	2011	2011	NUM
fsr-3406	528	12	)	)	PUNCT
fsr-3406	528	13	.	.	PUNCT
fsr-3406	529	1	assessing	assess	VERB
fsr-3406	529	2	financial	financial	ADJ
fsr-3406	529	3	literacy	literacy	NOUN
fsr-3406	529	4	in	in	ADP
fsr-3406	529	5	12	12	NUM
fsr-3406	529	6	countries	country	NOUN
fsr-3406	529	7	:	:	PUNCT
fsr-3406	529	8	an	an	DET
fsr-3406	529	9	oecd	oecd	PROPN
fsr-3406	529	10	/	/	SYM
fsr-3406	529	11	infe	infe	PROPN
fsr-3406	529	12	international	international	ADJ
fsr-3406	529	13	pilot	pilot	NOUN
fsr-3406	529	14	exercise	exercise	NOUN
fsr-3406	529	15	.	.	PUNCT
fsr-3406	530	1	journal	journal	NOUN
fsr-3406	530	2	of	of	ADP
fsr-3406	530	3	pension	pension	NOUN
fsr-3406	530	4	economics	economic	NOUN
fsr-3406	530	5	&	&	CCONJ
fsr-3406	530	6	finance	finance	PROPN
fsr-3406	530	7	,	,	PUNCT
fsr-3406	530	8	10	10	NUM
fsr-3406	530	9	,	,	PUNCT
fsr-3406	530	10	657–665	657–665	NUM
fsr-3406	530	11	.	.	PUNCT
fsr-3406	531	1	atkinson	atkinson	PROPN
fsr-3406	531	2	,	,	PUNCT
fsr-3406	531	3	a.	a.	PROPN
fsr-3406	531	4	,	,	PUNCT
fsr-3406	531	5	&	&	CCONJ
fsr-3406	531	6	messy	messy	PROPN
fsr-3406	531	7	,	,	PUNCT
fsr-3406	531	8	f.	f.	PROPN
fsr-3406	531	9	a.	a.	PROPN
fsr-3406	531	10	(	(	PUNCT
fsr-3406	531	11	2012	2012	NUM
fsr-3406	531	12	)	)	PUNCT
fsr-3406	531	13	.	.	PUNCT
fsr-3406	532	1	measuring	measure	VERB
fsr-3406	532	2	financial	financial	ADJ
fsr-3406	532	3	literacy	literacy	NOUN
fsr-3406	532	4	:	:	PUNCT
fsr-3406	532	5	results	result	NOUN
fsr-3406	532	6	of	of	ADP
fsr-3406	532	7	the	the	DET
fsr-3406	532	8	oecd	oecd	PROPN
fsr-3406	532	9	.	.	PUNCT
fsr-3406	532	10	paris	paris	PROPN
fsr-3406	532	11	:	:	PUNCT
fsr-3406	532	12	oecd	oecd	PROPN
fsr-3406	532	13	publishing	publishing	NOUN
fsr-3406	532	14	.	.	PUNCT
fsr-3406	533	1	banco	banco	PROPN
fsr-3406	533	2	de	de	PROPN
fsr-3406	533	3	portugal	portugal	PROPN
fsr-3406	533	4	.	.	PUNCT
fsr-3406	534	1	(	(	PUNCT
fsr-3406	534	2	2011	2011	NUM
fsr-3406	534	3	)	)	PUNCT
fsr-3406	534	4	.	.	PUNCT
fsr-3406	535	1	survey	survey	NOUN
fsr-3406	535	2	on	on	ADP
fsr-3406	535	3	the	the	DET
fsr-3406	535	4	financial	financial	ADJ
fsr-3406	535	5	literacy	literacy	NOUN
fsr-3406	535	6	of	of	ADP
fsr-3406	535	7	the	the	DET
fsr-3406	535	8	portuguese	portuguese	ADJ
fsr-3406	535	9	population	population	NOUN
fsr-3406	535	10	(	(	PUNCT
fsr-3406	535	11	2010	2010	NUM
fsr-3406	535	12	)	)	PUNCT
fsr-3406	535	13	–	–	PUNCT
fsr-3406	535	14	final	final	ADJ
fsr-3406	535	15	report	report	NOUN
fsr-3406	535	16	.	.	PUNCT
fsr-3406	536	1	lisbon	lisbon	PROPN
fsr-3406	536	2	,	,	PUNCT
fsr-3406	536	3	portugal	portugal	PROPN
fsr-3406	536	4	.	.	PROPN
fsr-3406	536	5	browning	browning	PROPN
fsr-3406	536	6	,	,	PUNCT
fsr-3406	536	7	m.	m.	NOUN
fsr-3406	536	8	,	,	PUNCT
fsr-3406	536	9	&	&	CCONJ
fsr-3406	536	10	lusardi	lusardi	PROPN
fsr-3406	536	11	,	,	PUNCT
fsr-3406	536	12	a.	a.	NOUN
fsr-3406	536	13	(	(	PUNCT
fsr-3406	536	14	1996	1996	NUM
fsr-3406	536	15	)	)	PUNCT
fsr-3406	536	16	.	.	PUNCT
fsr-3406	537	1	household	household	NOUN
fsr-3406	537	2	saving	saving	PROPN
fsr-3406	537	3	:	:	PUNCT
fsr-3406	537	4	micro	micro	ADJ
fsr-3406	537	5	theories	theory	NOUN
fsr-3406	537	6	and	and	CCONJ
fsr-3406	537	7	micro	micro	ADJ
fsr-3406	537	8	facts	fact	NOUN
fsr-3406	537	9	.	.	PUNCT
fsr-3406	538	1	journal	journal	NOUN
fsr-3406	538	2	of	of	ADP
fsr-3406	538	3	economic	economic	ADJ
fsr-3406	538	4	literature	literature	NOUN
fsr-3406	538	5	,	,	PUNCT
fsr-3406	538	6	34	34	NUM
fsr-3406	538	7	,	,	PUNCT
fsr-3406	538	8	1797–1855	1797–1855	NUM
fsr-3406	538	9	.	.	PUNCT
fsr-3406	539	1	campbell	campbell	PROPN
fsr-3406	539	2	,	,	PUNCT
fsr-3406	539	3	j.	j.	PROPN
fsr-3406	539	4	(	(	PUNCT
fsr-3406	539	5	2006	2006	NUM
fsr-3406	539	6	)	)	PUNCT
fsr-3406	539	7	household	household	NOUN
fsr-3406	539	8	finance	finance	NOUN
fsr-3406	539	9	.	.	PUNCT
fsr-3406	540	1	journal	journal	PROPN
fsr-3406	540	2	of	of	ADP
fsr-3406	540	3	finance	finance	NOUN
fsr-3406	540	4	,	,	PUNCT
fsr-3406	540	5	61	61	NUM
fsr-3406	540	6	,	,	PUNCT
fsr-3406	540	7	1553–1604	1553–1604	NUM
fsr-3406	540	8	.	.	PUNCT
fsr-3406	541	1	chen	chen	PROPN
fsr-3406	541	2	,	,	PUNCT
fsr-3406	541	3	h.	h.	PROPN
fsr-3406	541	4	,	,	PUNCT
fsr-3406	541	5	&	&	CCONJ
fsr-3406	541	6	volpe	volpe	PROPN
fsr-3406	541	7	,	,	PUNCT
fsr-3406	541	8	r.	r.	PROPN
fsr-3406	541	9	p.	p.	PROPN
fsr-3406	541	10	(	(	PUNCT
fsr-3406	541	11	2002	2002	NUM
fsr-3406	541	12	)	)	PUNCT
fsr-3406	541	13	.	.	PUNCT
fsr-3406	542	1	gender	gender	NOUN
fsr-3406	542	2	differences	difference	NOUN
fsr-3406	542	3	in	in	ADP
fsr-3406	542	4	personal	personal	ADJ
fsr-3406	542	5	financial	financial	ADJ
fsr-3406	542	6	literacy	literacy	NOUN
fsr-3406	542	7	among	among	ADP
fsr-3406	542	8	college	college	NOUN
fsr-3406	542	9	students	student	NOUN
fsr-3406	542	10	.	.	PUNCT
fsr-3406	543	1	financial	financial	ADJ
fsr-3406	543	2	services	service	NOUN
fsr-3406	543	3	review	review	PROPN
fsr-3406	543	4	,	,	PUNCT
fsr-3406	543	5	11	11	NUM
fsr-3406	543	6	,	,	PUNCT
fsr-3406	543	7	289–308	289–308	NUM
fsr-3406	543	8	.	.	PUNCT
fsr-3406	544	1	disney	disney	PROPN
fsr-3406	544	2	,	,	PUNCT
fsr-3406	544	3	r.	r.	PROPN
fsr-3406	544	4	,	,	PUNCT
fsr-3406	544	5	bridges	bridge	NOUN
fsr-3406	544	6	,	,	PUNCT
fsr-3406	544	7	s.	s.	PROPN
fsr-3406	544	8	,	,	PUNCT
fsr-3406	544	9	&	&	CCONJ
fsr-3406	544	10	gathergood	gathergood	PROPN
fsr-3406	544	11	,	,	PUNCT
fsr-3406	544	12	j.	j.	PROPN
fsr-3406	544	13	(	(	PUNCT
fsr-3406	544	14	2008	2008	NUM
fsr-3406	544	15	)	)	PUNCT
fsr-3406	544	16	.	.	PUNCT
fsr-3406	545	1	drivers	driver	NOUN
fsr-3406	545	2	of	of	ADP
fsr-3406	545	3	over	over	ADP
fsr-3406	545	4	-	-	PUNCT
fsr-3406	545	5	indebtedness	indebtedness	NOUN
fsr-3406	545	6	.	.	PUNCT
fsr-3406	546	1	centre	centre	NOUN
fsr-3406	546	2	for	for	ADP
fsr-3406	546	3	policy	policy	NOUN
fsr-3406	546	4	evaluation	evaluation	NOUN
fsr-3406	546	5	,	,	PUNCT
fsr-3406	546	6	university	university	NOUN
fsr-3406	546	7	of	of	ADP
fsr-3406	546	8	nottingham	nottingham	PROPN
fsr-3406	546	9	.	.	PUNCT
fsr-3406	547	1	fernandes	fernandes	PROPN
fsr-3406	547	2	,	,	PUNCT
fsr-3406	547	3	d.	d.	PROPN
fsr-3406	547	4	,	,	PUNCT
fsr-3406	547	5	lynch	lynch	PROPN
fsr-3406	547	6	jr	jr	PROPN
fsr-3406	547	7	.	.	PROPN
fsr-3406	547	8	,	,	PUNCT
fsr-3406	547	9	j.	j.	PROPN
fsr-3406	547	10	g.	g.	PROPN
fsr-3406	547	11	,	,	PUNCT
fsr-3406	547	12	&	&	CCONJ
fsr-3406	547	13	netemeyer	netemeyer	PROPN
fsr-3406	547	14	,	,	PUNCT
fsr-3406	547	15	r.	r.	PROPN
fsr-3406	547	16	g.	g.	PROPN
fsr-3406	547	17	(	(	PUNCT
fsr-3406	547	18	2014	2014	NUM
fsr-3406	547	19	)	)	PUNCT
fsr-3406	547	20	.	.	PUNCT
fsr-3406	548	1	financial	financial	ADJ
fsr-3406	548	2	literacy	literacy	NOUN
fsr-3406	548	3	,	,	PUNCT
fsr-3406	548	4	financial	financial	ADJ
fsr-3406	548	5	education	education	NOUN
fsr-3406	548	6	,	,	PUNCT
fsr-3406	548	7	and	and	CCONJ
fsr-3406	548	8	downstream	downstream	ADJ
fsr-3406	548	9	financial	financial	ADJ
fsr-3406	548	10	behaviors	behavior	NOUN
fsr-3406	548	11	.	.	PUNCT
fsr-3406	549	1	management	management	NOUN
fsr-3406	549	2	science	science	NOUN
fsr-3406	549	3	,	,	PUNCT
fsr-3406	549	4	60	60	NUM
fsr-3406	549	5	,	,	PUNCT
fsr-3406	549	6	1861–1883	1861–1883	NUM
fsr-3406	549	7	.	.	PUNCT
fsr-3406	550	1	finra	finra	PROPN
fsr-3406	550	2	.	.	PUNCT
fsr-3406	551	1	(	(	PUNCT
fsr-3406	551	2	2009	2009	NUM
fsr-3406	551	3	)	)	PUNCT
fsr-3406	551	4	.	.	PUNCT
fsr-3406	552	1	national	national	ADJ
fsr-3406	552	2	financial	financial	ADJ
fsr-3406	552	3	capability	capability	NOUN
fsr-3406	552	4	study	study	NOUN
fsr-3406	552	5	(	(	PUNCT
fsr-3406	552	6	available	available	ADJ
fsr-3406	552	7	at	at	ADP
fsr-3406	552	8	http://www.usfinancialcapability.org/	http://www.usfinancialcapability.org/	NOUN
fsr-3406	552	9	results.php?region�us	results.php?region�us	PROPN
fsr-3406	552	10	)	)	PUNCT
fsr-3406	552	11	.	.	PUNCT
fsr-3406	553	1	finra	finra	PROPN
fsr-3406	553	2	.	.	PUNCT
fsr-3406	554	1	(	(	PUNCT
fsr-3406	554	2	2015	2015	NUM
fsr-3406	554	3	)	)	PUNCT
fsr-3406	554	4	.	.	PUNCT
fsr-3406	555	1	national	national	ADJ
fsr-3406	555	2	financial	financial	ADJ
fsr-3406	555	3	capability	capability	NOUN
fsr-3406	555	4	study	study	NOUN
fsr-3406	555	5	(	(	PUNCT
fsr-3406	555	6	available	available	ADJ
fsr-3406	555	7	at	at	ADP
fsr-3406	555	8	http://www.usfinancialcapability.org/	http://www.usfinancialcapability.org/	NOUN
fsr-3406	555	9	results.php?region�us	results.php?region�us	PROPN
fsr-3406	555	10	)	)	PUNCT
fsr-3406	555	11	.	.	PUNCT
fsr-3406	556	1	fram	fram	NOUN
fsr-3406	556	2	,	,	PUNCT
fsr-3406	556	3	m.	m.	NOUN
fsr-3406	556	4	s.	s.	PROPN
fsr-3406	556	5	,	,	PUNCT
fsr-3406	556	6	miller	miller	PROPN
fsr-3406	556	7	-	-	PUNCT
fsr-3406	556	8	cribbs	cribbs	PROPN
fsr-3406	556	9	,	,	PUNCT
fsr-3406	556	10	j.	j.	PROPN
fsr-3406	556	11	e.	e.	PROPN
fsr-3406	556	12	,	,	PUNCT
fsr-3406	556	13	&	&	CCONJ
fsr-3406	556	14	van	van	PROPN
fsr-3406	556	15	horn	horn	PROPN
fsr-3406	556	16	,	,	PUNCT
fsr-3406	556	17	l.	l.	PROPN
fsr-3406	556	18	(	(	PUNCT
fsr-3406	556	19	2007	2007	NUM
fsr-3406	556	20	)	)	PUNCT
fsr-3406	556	21	.	.	PUNCT
fsr-3406	557	1	poverty	poverty	NOUN
fsr-3406	557	2	,	,	PUNCT
fsr-3406	557	3	race	race	NOUN
fsr-3406	557	4	,	,	PUNCT
fsr-3406	557	5	and	and	CCONJ
fsr-3406	557	6	the	the	DET
fsr-3406	557	7	contexts	contexts	NOUN
fsr-3406	557	8	of	of	ADP
fsr-3406	557	9	achievement	achievement	NOUN
fsr-3406	557	10	:	:	PUNCT
fsr-3406	557	11	examining	examine	VERB
fsr-3406	557	12	educational	educational	ADJ
fsr-3406	557	13	experiences	experience	NOUN
fsr-3406	557	14	of	of	ADP
fsr-3406	557	15	children	child	NOUN
fsr-3406	557	16	in	in	ADP
fsr-3406	557	17	the	the	DET
fsr-3406	557	18	us	us	PROPN
fsr-3406	557	19	south	south	NOUN
fsr-3406	557	20	.	.	PUNCT
fsr-3406	558	1	social	social	ADJ
fsr-3406	558	2	work	work	NOUN
fsr-3406	558	3	,	,	PUNCT
fsr-3406	558	4	52	52	NUM
fsr-3406	558	5	,	,	PUNCT
fsr-3406	558	6	309–319	309–319	NUM
fsr-3406	558	7	.	.	PUNCT
fsr-3406	559	1	fsa	fsa	PROPN
fsr-3406	559	2	.	.	PUNCT
fsr-3406	560	1	(	(	PUNCT
fsr-3406	560	2	2006	2006	NUM
fsr-3406	560	3	)	)	PUNCT
fsr-3406	560	4	.	.	PUNCT
fsr-3406	561	1	levels	level	NOUN
fsr-3406	561	2	of	of	ADP
fsr-3406	561	3	financial	financial	ADJ
fsr-3406	561	4	capability	capability	NOUN
fsr-3406	561	5	in	in	ADP
fsr-3406	561	6	the	the	DET
fsr-3406	561	7	uk	uk	PROPN
fsr-3406	561	8	:	:	PUNCT
fsr-3406	561	9	results	result	NOUN
fsr-3406	561	10	of	of	ADP
fsr-3406	561	11	a	a	DET
fsr-3406	561	12	baseline	baseline	NOUN
fsr-3406	561	13	survey	survey	NOUN
fsr-3406	561	14	.	.	PUNCT
fsr-3406	562	1	financial	financial	ADJ
fsr-3406	562	2	services	service	NOUN
fsr-3406	562	3	authority	authority	NOUN
fsr-3406	562	4	,	,	PUNCT
fsr-3406	562	5	university	university	NOUN
fsr-3406	562	6	of	of	ADP
fsr-3406	562	7	bristol	bristol	PROPN
fsr-3406	562	8	.	.	PUNCT
fsr-3406	563	1	410	410	NUM
fsr-3406	563	2	j.k	j.k	PROPN
fsr-3406	563	3	.	.	PROPN
fsr-3406	563	4	scott	scott	PROPN
fsr-3406	563	5	et	et	PROPN
fsr-3406	563	6	al	al	PROPN
fsr-3406	563	7	.	.	PUNCT
fsr-3406	563	8	/	/	SYM
fsr-3406	563	9	financial	financial	ADJ
fsr-3406	563	10	services	service	NOUN
fsr-3406	563	11	review	review	VERB
fsr-3406	563	12	27	27	NUM
fsr-3406	563	13	(	(	PUNCT
fsr-3406	563	14	2018	2018	NUM
fsr-3406	563	15	)	)	PUNCT
fsr-3406	563	16	391	391	NUM
fsr-3406	563	17	-	-	SYM
fsr-3406	563	18	411	411	NUM
fsr-3406	563	19	garman	garman	NOUN
fsr-3406	563	20	,	,	PUNCT
fsr-3406	563	21	e.	e.	PROPN
fsr-3406	563	22	t.	t.	PROPN
fsr-3406	563	23	,	,	PUNCT
fsr-3406	563	24	sorhaindo	sorhaindo	PROPN
fsr-3406	563	25	,	,	PUNCT
fsr-3406	563	26	b.	b.	PROPN
fsr-3406	563	27	,	,	PUNCT
fsr-3406	563	28	bailey	bailey	PROPN
fsr-3406	563	29	,	,	PUNCT
fsr-3406	563	30	w.	w.	PROPN
fsr-3406	563	31	,	,	PUNCT
fsr-3406	563	32	kim	kim	PROPN
fsr-3406	563	33	,	,	PUNCT
fsr-3406	563	34	j.	j.	PROPN
fsr-3406	563	35	,	,	PUNCT
fsr-3406	563	36	&	&	CCONJ
fsr-3406	563	37	xiao	xiao	PROPN
fsr-3406	563	38	,	,	PUNCT
fsr-3406	563	39	j.	j.	PROPN
fsr-3406	563	40	(	(	PUNCT
fsr-3406	563	41	2004	2004	NUM
fsr-3406	563	42	)	)	PUNCT
fsr-3406	563	43	.	.	PUNCT
fsr-3406	564	1	financially	financially	ADV
fsr-3406	564	2	distressed	distressed	ADJ
fsr-3406	564	3	credit	credit	NOUN
fsr-3406	564	4	counseling	counseling	NOUN
fsr-3406	564	5	clients	client	NOUN
fsr-3406	564	6	and	and	CCONJ
fsr-3406	564	7	the	the	DET
fsr-3406	564	8	incharge	incharge	NOUN
fsr-3406	564	9	financial	financial	ADJ
fsr-3406	564	10	distress	distress	NOUN
fsr-3406	564	11	/	/	SYM
fsr-3406	564	12	financial	financial	ADJ
fsr-3406	564	13	well	well	ADV
fsr-3406	564	14	-	-	PUNCT
fsr-3406	564	15	being	being	NOUN
fsr-3406	564	16	scale	scale	NOUN
fsr-3406	564	17	.	.	PUNCT
fsr-3406	565	1	in	in	ADP
fsr-3406	565	2	j.	j.	PROPN
fsr-3406	565	3	fox	fox	PROPN
fsr-3406	565	4	(	(	PUNCT
fsr-3406	565	5	ed	ed	NOUN
fsr-3406	565	6	.	.	PUNCT
fsr-3406	565	7	)	)	PUNCT
fsr-3406	565	8	,	,	PUNCT
fsr-3406	565	9	proceedings	proceeding	NOUN
fsr-3406	565	10	of	of	ADP
fsr-3406	565	11	the	the	DET
fsr-3406	565	12	eastern	eastern	ADJ
fsr-3406	565	13	regional	regional	ADJ
fsr-3406	565	14	family	family	NOUN
fsr-3406	565	15	economics	economic	NOUN
fsr-3406	565	16	and	and	CCONJ
fsr-3406	565	17	resource	resource	NOUN
fsr-3406	565	18	management	management	NOUN
fsr-3406	565	19	association	association	NOUN
fsr-3406	565	20	conference	conference	NOUN
fsr-3406	565	21	(	(	PUNCT
fsr-3406	565	22	pp	pp	ADV
fsr-3406	565	23	.	.	PUNCT
fsr-3406	565	24	71–81	71–81	NUM
fsr-3406	565	25	)	)	PUNCT
fsr-3406	565	26	.	.	PUNCT
fsr-3406	566	1	tampa	tampa	PROPN
fsr-3406	566	2	,	,	PUNCT
fsr-3406	566	3	fl	fl	PROPN
fsr-3406	566	4	.	.	PROPN
fsr-3406	566	5	garman	garman	PROPN
fsr-3406	566	6	,	,	PUNCT
fsr-3406	566	7	e.	e.	PROPN
fsr-3406	566	8	t.	t.	PROPN
fsr-3406	566	9	,	,	PUNCT
fsr-3406	566	10	&	&	CCONJ
fsr-3406	566	11	sorhaindo	sorhaindo	PROPN
fsr-3406	566	12	,	,	PUNCT
fsr-3406	566	13	b.	b.	PROPN
fsr-3406	566	14	(	(	PUNCT
fsr-3406	566	15	2005	2005	NUM
fsr-3406	566	16	)	)	PUNCT
fsr-3406	566	17	.	.	PUNCT
fsr-3406	567	1	delphi	delphi	NOUN
fsr-3406	567	2	study	study	NOUN
fsr-3406	567	3	of	of	ADP
fsr-3406	567	4	experts	expert	NOUN
fsr-3406	567	5	’	'	PUNCT
fsr-3406	567	6	rankings	ranking	NOUN
fsr-3406	567	7	of	of	ADP
fsr-3406	567	8	personal	personal	ADJ
fsr-3406	567	9	finance	finance	NOUN
fsr-3406	567	10	concepts	concept	NOUN
fsr-3406	567	11	important	important	ADJ
fsr-3406	567	12	in	in	ADP
fsr-3406	567	13	the	the	DET
fsr-3406	567	14	development	development	NOUN
fsr-3406	567	15	of	of	ADP
fsr-3406	567	16	the	the	DET
fsr-3406	567	17	incharge	incharge	NOUN
fsr-3406	567	18	financial	financial	ADJ
fsr-3406	567	19	distress	distress	NOUN
fsr-3406	567	20	/	/	SYM
fsr-3406	567	21	financial	financial	ADJ
fsr-3406	567	22	well	well	ADV
fsr-3406	567	23	-	-	PUNCT
fsr-3406	567	24	being	being	NOUN
fsr-3406	567	25	scale	scale	NOUN
fsr-3406	567	26	.	.	PUNCT
fsr-3406	568	1	consumer	consumer	NOUN
fsr-3406	568	2	interests	interest	NOUN
fsr-3406	568	3	annual	annual	ADJ
fsr-3406	568	4	,	,	PUNCT
fsr-3406	568	5	51	51	NUM
fsr-3406	568	6	,	,	PUNCT
fsr-3406	568	7	184–194	184–194	NUM
fsr-3406	568	8	.	.	PUNCT
fsr-3406	568	9	hilgert	hilgert	PROPN
fsr-3406	568	10	,	,	PUNCT
fsr-3406	568	11	m.	m.	NOUN
fsr-3406	568	12	a.	a.	PROPN
fsr-3406	568	13	,	,	PUNCT
fsr-3406	568	14	hogarth	hogarth	NOUN
fsr-3406	568	15	,	,	PUNCT
fsr-3406	568	16	j.	j.	PROPN
fsr-3406	568	17	m.	m.	PROPN
fsr-3406	568	18	,	,	PUNCT
fsr-3406	568	19	&	&	CCONJ
fsr-3406	568	20	beverly	beverly	PROPN
fsr-3406	568	21	,	,	PUNCT
fsr-3406	568	22	s.	s.	PROPN
fsr-3406	568	23	g.	g.	PROPN
fsr-3406	568	24	(	(	PUNCT
fsr-3406	568	25	2003	2003	NUM
fsr-3406	568	26	)	)	PUNCT
fsr-3406	568	27	.	.	PUNCT
fsr-3406	569	1	household	household	NOUN
fsr-3406	569	2	financial	financial	ADJ
fsr-3406	569	3	management	management	NOUN
fsr-3406	569	4	:	:	PUNCT
fsr-3406	569	5	the	the	DET
fsr-3406	569	6	connection	connection	NOUN
fsr-3406	569	7	between	between	ADP
fsr-3406	569	8	knowledge	knowledge	NOUN
fsr-3406	569	9	and	and	CCONJ
fsr-3406	569	10	behavior	behavior	NOUN
fsr-3406	569	11	.	.	PUNCT
fsr-3406	570	1	federal	federal	PROPN
fsr-3406	570	2	reserve	reserve	PROPN
fsr-3406	570	3	bulletin	bulletin	PROPN
fsr-3406	570	4	,	,	PUNCT
fsr-3406	570	5	89	89	NUM
fsr-3406	570	6	,	,	PUNCT
fsr-3406	570	7	309	309	NUM
fsr-3406	570	8	.	.	PUNCT
fsr-3406	571	1	hung	hung	PROPN
fsr-3406	571	2	,	,	PUNCT
fsr-3406	571	3	a.	a.	NOUN
fsr-3406	571	4	a.	a.	PROPN
fsr-3406	571	5	,	,	PUNCT
fsr-3406	571	6	parker	parker	PROPN
fsr-3406	571	7	,	,	PUNCT
fsr-3406	571	8	a.	a.	NOUN
fsr-3406	571	9	m.	m.	NOUN
fsr-3406	571	10	,	,	PUNCT
fsr-3406	571	11	&	&	CCONJ
fsr-3406	571	12	yoong	yoong	PROPN
fsr-3406	571	13	,	,	PUNCT
fsr-3406	571	14	j.	j.	PROPN
fsr-3406	571	15	k.	k.	PROPN
fsr-3406	571	16	(	(	PUNCT
fsr-3406	571	17	2009	2009	NUM
fsr-3406	571	18	)	)	PUNCT
fsr-3406	571	19	.	.	PUNCT
fsr-3406	572	1	defining	define	VERB
fsr-3406	572	2	and	and	CCONJ
fsr-3406	572	3	measuring	measure	VERB
fsr-3406	572	4	financial	financial	ADJ
fsr-3406	572	5	literacy	literacy	NOUN
fsr-3406	572	6	.	.	PUNCT
fsr-3406	573	1	rand	rand	NOUN
fsr-3406	573	2	labor	labor	NOUN
fsr-3406	573	3	and	and	CCONJ
fsr-3406	573	4	population	population	NOUN
fsr-3406	573	5	working	working	NOUN
fsr-3406	573	6	paper	paper	NOUN
fsr-3406	573	7	wr-708	wr-708	PROPN
fsr-3406	573	8	(	(	PUNCT
fsr-3406	573	9	pp	pp	ADJ
fsr-3406	573	10	.	.	PUNCT
fsr-3406	573	11	1–27	1–27	NUM
fsr-3406	573	12	)	)	PUNCT
fsr-3406	573	13	.	.	PUNCT
fsr-3406	574	1	santa	santa	PROPN
fsr-3406	574	2	monica	monica	PROPN
fsr-3406	574	3	,	,	PUNCT
fsr-3406	574	4	ca	can	AUX
fsr-3406	574	5	:	:	PUNCT
fsr-3406	574	6	rand	rand	NOUN
fsr-3406	574	7	corporation	corporation	NOUN
fsr-3406	574	8	(	(	PUNCT
fsr-3406	574	9	available	available	ADJ
fsr-3406	574	10	at	at	ADP
fsr-3406	574	11	https://	https://	PROPN
fsr-3406	574	12	www.rand.org/pubs/working_papers/wr708.html	www.rand.org/pubs/working_papers/wr708.html	PROPN
fsr-3406	574	13	)	)	PUNCT
fsr-3406	574	14	.	.	PUNCT
fsr-3406	575	1	huston	huston	PROPN
fsr-3406	575	2	,	,	PUNCT
fsr-3406	575	3	s.	s.	PROPN
fsr-3406	575	4	j.	j.	PROPN
fsr-3406	575	5	(	(	PUNCT
fsr-3406	575	6	2009	2009	NUM
fsr-3406	575	7	)	)	PUNCT
fsr-3406	575	8	.	.	PUNCT
fsr-3406	576	1	measuring	measure	VERB
fsr-3406	576	2	financial	financial	ADJ
fsr-3406	576	3	literacy	literacy	NOUN
fsr-3406	576	4	.	.	PUNCT
fsr-3406	577	1	journal	journal	NOUN
fsr-3406	577	2	of	of	ADP
fsr-3406	577	3	consumer	consumer	NOUN
fsr-3406	577	4	affairs	affair	NOUN
fsr-3406	577	5	,	,	PUNCT
fsr-3406	577	6	44	44	NUM
fsr-3406	577	7	,	,	PUNCT
fsr-3406	577	8	296–316	296–316	NUM
fsr-3406	577	9	.	.	PUNCT
fsr-3406	578	1	johnson	johnson	PROPN
fsr-3406	578	2	,	,	PUNCT
fsr-3406	578	3	e.	e.	PROPN
fsr-3406	578	4	,	,	PUNCT
fsr-3406	578	5	&	&	CCONJ
fsr-3406	578	6	sherraden	sherraden	PROPN
fsr-3406	578	7	,	,	PUNCT
fsr-3406	578	8	m.	m.	NOUN
fsr-3406	578	9	s.	s.	PROPN
fsr-3406	578	10	(	(	PUNCT
fsr-3406	578	11	2007	2007	NUM
fsr-3406	578	12	)	)	PUNCT
fsr-3406	578	13	.	.	PUNCT
fsr-3406	579	1	from	from	ADP
fsr-3406	579	2	financial	financial	ADJ
fsr-3406	579	3	literacy	literacy	NOUN
fsr-3406	579	4	to	to	ADP
fsr-3406	579	5	financial	financial	ADJ
fsr-3406	579	6	capability	capability	NOUN
fsr-3406	579	7	among	among	ADP
fsr-3406	579	8	youth	youth	NOUN
fsr-3406	579	9	.	.	PUNCT
fsr-3406	580	1	journal	journal	PROPN
fsr-3406	580	2	of	of	ADP
fsr-3406	580	3	society	society	PROPN
fsr-3406	580	4	&	&	CCONJ
fsr-3406	580	5	social	social	ADJ
fsr-3406	580	6	welfare	welfare	NOUN
fsr-3406	580	7	,	,	PUNCT
fsr-3406	580	8	34	34	NUM
fsr-3406	580	9	,	,	PUNCT
fsr-3406	580	10	119	119	NUM
fsr-3406	580	11	.	.	PUNCT
fsr-3406	581	1	lee	lee	PROPN
fsr-3406	581	2	,	,	PUNCT
fsr-3406	581	3	j.	j.	PROPN
fsr-3406	581	4	m.	m.	PROPN
fsr-3406	581	5	,	,	PUNCT
fsr-3406	581	6	&	&	CCONJ
fsr-3406	581	7	hanna	hanna	PROPN
fsr-3406	581	8	,	,	PUNCT
fsr-3406	581	9	s.	s.	PROPN
fsr-3406	581	10	d.	d.	PROPN
fsr-3406	581	11	(	(	PUNCT
fsr-3406	581	12	2015	2015	NUM
fsr-3406	581	13	)	)	PUNCT
fsr-3406	581	14	.	.	PUNCT
fsr-3406	582	1	savings	saving	NOUN
fsr-3406	582	2	goals	goal	NOUN
fsr-3406	582	3	and	and	CCONJ
fsr-3406	582	4	saving	save	VERB
fsr-3406	582	5	behavior	behavior	NOUN
fsr-3406	582	6	from	from	ADP
fsr-3406	582	7	a	a	DET
fsr-3406	582	8	perspective	perspective	NOUN
fsr-3406	582	9	of	of	ADP
fsr-3406	582	10	maslow	maslow	NOUN
fsr-3406	582	11	’s	’s	PART
fsr-3406	582	12	hierarchy	hierarchy	NOUN
fsr-3406	582	13	of	of	ADP
fsr-3406	582	14	needs	need	NOUN
fsr-3406	582	15	.	.	PUNCT
fsr-3406	583	1	journal	journal	NOUN
fsr-3406	583	2	of	of	ADP
fsr-3406	583	3	financial	financial	ADJ
fsr-3406	583	4	counseling	counseling	NOUN
fsr-3406	583	5	and	and	CCONJ
fsr-3406	583	6	planning	planning	NOUN
fsr-3406	583	7	,	,	PUNCT
fsr-3406	583	8	26	26	NUM
fsr-3406	583	9	,	,	PUNCT
fsr-3406	583	10	129–147	129–147	NUM
fsr-3406	583	11	.	.	PUNCT
fsr-3406	584	1	lusardi	lusardi	PROPN
fsr-3406	584	2	,	,	PUNCT
fsr-3406	584	3	a.	a.	PROPN
fsr-3406	584	4	,	,	PUNCT
fsr-3406	584	5	&	&	CCONJ
fsr-3406	584	6	mitchell	mitchell	PROPN
fsr-3406	584	7	,	,	PUNCT
fsr-3406	584	8	o.	o.	PROPN
fsr-3406	584	9	s.	s.	PROPN
fsr-3406	584	10	(	(	PUNCT
fsr-3406	584	11	2007	2007	NUM
fsr-3406	584	12	)	)	PUNCT
fsr-3406	584	13	.	.	PUNCT
fsr-3406	585	1	financial	financial	ADJ
fsr-3406	585	2	literacy	literacy	NOUN
fsr-3406	585	3	and	and	CCONJ
fsr-3406	585	4	retirement	retirement	NOUN
fsr-3406	585	5	preparedness	preparedness	NOUN
fsr-3406	585	6	:	:	PUNCT
fsr-3406	585	7	evidence	evidence	NOUN
fsr-3406	585	8	and	and	CCONJ
fsr-3406	585	9	implications	implication	NOUN
fsr-3406	585	10	for	for	ADP
fsr-3406	585	11	financial	financial	ADJ
fsr-3406	585	12	education	education	NOUN
fsr-3406	585	13	.	.	PUNCT
fsr-3406	586	1	business	business	NOUN
fsr-3406	586	2	economics	economic	NOUN
fsr-3406	586	3	,	,	PUNCT
fsr-3406	586	4	42	42	NUM
fsr-3406	586	5	,	,	PUNCT
fsr-3406	586	6	35–44	35–44	NUM
fsr-3406	586	7	.	.	NOUN
fsr-3406	586	8	mccarthy	mccarthy	PROPN
fsr-3406	586	9	,	,	PUNCT
fsr-3406	586	10	y.	y.	PROPN
fsr-3406	586	11	(	(	PUNCT
fsr-3406	586	12	2011	2011	NUM
fsr-3406	586	13	)	)	PUNCT
fsr-3406	586	14	.	.	PUNCT
fsr-3406	587	1	behavioral	behavioral	ADJ
fsr-3406	587	2	characteristics	characteristic	NOUN
fsr-3406	587	3	and	and	CCONJ
fsr-3406	587	4	financial	financial	ADJ
fsr-3406	587	5	distress	distress	NOUN
fsr-3406	587	6	.	.	PUNCT
fsr-3406	588	1	ecb	ecb	PROPN
fsr-3406	588	2	working	work	VERB
fsr-3406	588	3	paper	paper	PROPN
fsr-3406	588	4	1303	1303	NUM
fsr-3406	588	5	,	,	PUNCT
fsr-3406	588	6	european	european	PROPN
fsr-3406	588	7	central	central	PROPN
fsr-3406	588	8	bank	bank	PROPN
fsr-3406	588	9	,	,	PUNCT
fsr-3406	588	10	frankfurt	frankfurt	PROPN
fsr-3406	588	11	,	,	PUNCT
fsr-3406	588	12	germany	germany	PROPN
fsr-3406	588	13	(	(	PUNCT
fsr-3406	588	14	available	available	ADJ
fsr-3406	588	15	at	at	ADP
fsr-3406	588	16	http://www.ecb.europa.eu/pub/pdf/scpwps/ecbwp1303.pdf	http://www.ecb.europa.eu/pub/pdf/scpwps/ecbwp1303.pdf	NOUN
fsr-3406	588	17	)	)	PUNCT
fsr-3406	588	18	.	.	PUNCT
fsr-3406	589	1	mckay	mckay	PROPN
fsr-3406	589	2	,	,	PUNCT
fsr-3406	589	3	s.	s.	PROPN
fsr-3406	589	4	(	(	PUNCT
fsr-3406	589	5	2011	2011	NUM
fsr-3406	589	6	)	)	PUNCT
fsr-3406	589	7	.	.	PUNCT
fsr-3406	590	1	understanding	understand	VERB
fsr-3406	590	2	financial	financial	ADJ
fsr-3406	590	3	capability	capability	NOUN
fsr-3406	590	4	in	in	ADP
fsr-3406	590	5	canada	canada	PROPN
fsr-3406	590	6	:	:	PUNCT
fsr-3406	590	7	analysis	analysis	NOUN
fsr-3406	590	8	of	of	ADP
fsr-3406	590	9	the	the	DET
fsr-3406	590	10	canadian	canadian	ADJ
fsr-3406	590	11	financial	financial	ADJ
fsr-3406	590	12	capability	capability	NOUN
fsr-3406	590	13	survey	survey	NOUN
fsr-3406	590	14	.	.	PUNCT
fsr-3406	591	1	research	research	NOUN
fsr-3406	591	2	paper	paper	NOUN
fsr-3406	591	3	prepared	prepare	VERB
fsr-3406	591	4	for	for	ADP
fsr-3406	591	5	task	task	NOUN
fsr-3406	591	6	force	force	NOUN
fsr-3406	591	7	on	on	ADP
fsr-3406	591	8	financial	financial	ADJ
fsr-3406	591	9	literacy	literacy	NOUN
fsr-3406	591	10	(	(	PUNCT
fsr-3406	591	11	available	available	ADJ
fsr-3406	591	12	at	at	ADP
fsr-3406	591	13	http://publications	http://publication	NOUN
fsr-3406	591	14	.	.	PUNCT
fsr-3406	592	1	gc.ca/collections/collection_2011/fin/f2-213-2011-eng.pdf	gc.ca/collections/collection_2011/fin/f2-213-2011-eng.pdf	PROPN
fsr-3406	592	2	)	)	PUNCT
fsr-3406	592	3	.	.	PUNCT
fsr-3406	593	1	moore	moore	PROPN
fsr-3406	593	2	,	,	PUNCT
fsr-3406	593	3	d.	d.	PROPN
fsr-3406	593	4	l.	l.	PROPN
fsr-3406	593	5	(	(	PUNCT
fsr-3406	593	6	2003	2003	NUM
fsr-3406	593	7	)	)	PUNCT
fsr-3406	593	8	.	.	PUNCT
fsr-3406	594	1	survey	survey	NOUN
fsr-3406	594	2	of	of	ADP
fsr-3406	594	3	financial	financial	ADJ
fsr-3406	594	4	literacy	literacy	NOUN
fsr-3406	594	5	in	in	ADP
fsr-3406	594	6	washington	washington	PROPN
fsr-3406	594	7	state	state	PROPN
fsr-3406	594	8	:	:	PUNCT
fsr-3406	594	9	knowledge	knowledge	NOUN
fsr-3406	594	10	,	,	PUNCT
fsr-3406	594	11	behavior	behavior	NOUN
fsr-3406	594	12	,	,	PUNCT
fsr-3406	594	13	attitudes	attitude	NOUN
fsr-3406	594	14	,	,	PUNCT
fsr-3406	594	15	and	and	CCONJ
fsr-3406	594	16	experiences	experience	NOUN
fsr-3406	594	17	.	.	PUNCT
fsr-3406	595	1	olympia	olympia	PROPN
fsr-3406	595	2	,	,	PUNCT
fsr-3406	595	3	wa	wa	PROPN
fsr-3406	595	4	:	:	PUNCT
fsr-3406	595	5	washington	washington	PROPN
fsr-3406	595	6	state	state	PROPN
fsr-3406	595	7	dept	dept	PROPN
fsr-3406	595	8	.	.	PROPN
fsr-3406	595	9	of	of	ADP
fsr-3406	595	10	financial	financial	ADJ
fsr-3406	595	11	institutions	institution	NOUN
fsr-3406	595	12	.	.	PUNCT
fsr-3406	596	1	keeney	keeney	PROPN
fsr-3406	596	2	,	,	PUNCT
fsr-3406	596	3	m.	m.	PROPN
fsr-3406	596	4	j.	j.	PROPN
fsr-3406	596	5	,	,	PUNCT
fsr-3406	596	6	&	&	CCONJ
fsr-3406	596	7	o’donnell	o’donnell	PROPN
fsr-3406	596	8	,	,	PUNCT
fsr-3406	596	9	n.	n.	NOUN
fsr-3406	596	10	(	(	PUNCT
fsr-3406	596	11	2009	2009	NUM
fsr-3406	596	12	)	)	PUNCT
fsr-3406	596	13	.	.	PUNCT
fsr-3406	597	1	financial	financial	ADJ
fsr-3406	597	2	capability	capability	NOUN
fsr-3406	597	3	:	:	PUNCT
fsr-3406	597	4	new	new	ADJ
fsr-3406	597	5	evidence	evidence	NOUN
fsr-3406	597	6	for	for	ADP
fsr-3406	597	7	ireland	ireland	PROPN
fsr-3406	597	8	(	(	PUNCT
fsr-3406	597	9	no	no	INTJ
fsr-3406	597	10	.	.	NOUN
fsr-3406	597	11	1	1	NUM
fsr-3406	597	12	/	/	SYM
fsr-3406	597	13	rt/09	rt/09	NOUN
fsr-3406	597	14	)	)	PUNCT
fsr-3406	597	15	.	.	PUNCT
fsr-3406	598	1	dublin	dublin	PROPN
fsr-3406	598	2	,	,	PUNCT
fsr-3406	598	3	ireland	ireland	PROPN
fsr-3406	598	4	:	:	PUNCT
fsr-3406	598	5	central	central	ADJ
fsr-3406	598	6	bank	bank	PROPN
fsr-3406	598	7	of	of	ADP
fsr-3406	598	8	ireland	ireland	PROPN
fsr-3406	598	9	.	.	PUNCT
fsr-3406	599	1	o’connell	o’connell	INTJ
fsr-3406	599	2	,	,	PUNCT
fsr-3406	599	3	a.	a.	NOUN
fsr-3406	599	4	(	(	PUNCT
fsr-3406	599	5	2007	2007	NUM
fsr-3406	599	6	)	)	PUNCT
fsr-3406	599	7	.	.	PUNCT
fsr-3406	600	1	how	how	SCONJ
fsr-3406	600	2	effective	effective	ADJ
fsr-3406	600	3	is	be	AUX
fsr-3406	600	4	financial	financial	ADJ
fsr-3406	600	5	education	education	NOUN
fsr-3406	600	6	?	?	PUNCT
fsr-3406	601	1	policy	policy	NOUN
fsr-3406	601	2	quarterly	quarterly	ADV
fsr-3406	601	3	,	,	PUNCT
fsr-3406	601	4	3	3	NUM
fsr-3406	601	5	,	,	PUNCT
fsr-3406	601	6	40–46	40–46	NUM
fsr-3406	601	7	.	.	PUNCT
fsr-3406	602	1	orc	orc	PROPN
fsr-3406	602	2	international	international	ADJ
fsr-3406	602	3	.	.	PUNCT
fsr-3406	603	1	(	(	PUNCT
fsr-3406	603	2	2015	2015	NUM
fsr-3406	603	3	)	)	PUNCT
fsr-3406	603	4	.	.	PUNCT
fsr-3406	604	1	stress	stress	NOUN
fsr-3406	604	2	awareness	awareness	NOUN
fsr-3406	604	3	month	month	NOUN
fsr-3406	604	4	survey	survey	NOUN
fsr-3406	604	5	report	report	NOUN
fsr-3406	604	6	.	.	PUNCT
fsr-3406	605	1	new	new	PROPN
fsr-3406	605	2	york	york	PROPN
fsr-3406	605	3	,	,	PUNCT
fsr-3406	605	4	ny	ny	PROPN
fsr-3406	605	5	(	(	PUNCT
fsr-3406	605	6	available	available	ADJ
fsr-3406	605	7	at	at	ADP
fsr-3406	605	8	https://	https://	PROPN
fsr-3406	605	9	www.cfp.net/news-events/research-facts-figures/cfp-board-research/consumer-surveys	www.cfp.net/news-events/research-facts-figures/cfp-board-research/consumer-survey	NOUN
fsr-3406	605	10	)	)	PUNCT
fsr-3406	605	11	.	.	PUNCT
fsr-3406	606	1	prawitz	prawitz	PROPN
fsr-3406	606	2	,	,	PUNCT
fsr-3406	606	3	a.	a.	PROPN
fsr-3406	606	4	,	,	PUNCT
fsr-3406	606	5	kim	kim	PROPN
fsr-3406	606	6	,	,	PUNCT
fsr-3406	606	7	j.	j.	PROPN
fsr-3406	606	8	,	,	PUNCT
fsr-3406	606	9	&	&	CCONJ
fsr-3406	606	10	garman	garman	PROPN
fsr-3406	606	11	,	,	PUNCT
fsr-3406	606	12	e.	e.	PROPN
fsr-3406	606	13	t.	t.	PROPN
fsr-3406	606	14	(	(	PUNCT
fsr-3406	606	15	2006	2006	NUM
fsr-3406	606	16	)	)	PUNCT
fsr-3406	606	17	.	.	PUNCT
fsr-3406	607	1	financial	financial	ADJ
fsr-3406	607	2	distress	distress	NOUN
fsr-3406	607	3	:	:	PUNCT
fsr-3406	607	4	definition	definition	NOUN
fsr-3406	607	5	,	,	PUNCT
fsr-3406	607	6	effects	effect	NOUN
fsr-3406	607	7	and	and	CCONJ
fsr-3406	607	8	measurement	measurement	NOUN
fsr-3406	607	9	.	.	PUNCT
fsr-3406	608	1	consumer	consumer	NOUN
fsr-3406	608	2	interests	interest	NOUN
fsr-3406	608	3	annual	annual	ADJ
fsr-3406	608	4	,	,	PUNCT
fsr-3406	608	5	52	52	NUM
fsr-3406	608	6	,	,	PUNCT
fsr-3406	608	7	489–496	489–496	NUM
fsr-3406	608	8	.	.	PUNCT
fsr-3406	609	1	president	president	PROPN
fsr-3406	609	2	’s	’s	PART
fsr-3406	609	3	advisory	advisory	ADJ
fsr-3406	609	4	council	council	NOUN
fsr-3406	609	5	on	on	ADP
fsr-3406	609	6	financial	financial	ADJ
fsr-3406	609	7	literacy	literacy	NOUN
fsr-3406	609	8	.	.	PUNCT
fsr-3406	610	1	(	(	PUNCT
fsr-3406	610	2	2009	2009	NUM
fsr-3406	610	3	)	)	PUNCT
fsr-3406	610	4	.	.	PUNCT
fsr-3406	611	1	2008	2008	NUM
fsr-3406	611	2	annual	annual	ADJ
fsr-3406	611	3	report	report	NOUN
fsr-3406	611	4	to	to	ADP
fsr-3406	611	5	the	the	DET
fsr-3406	611	6	president	president	NOUN
fsr-3406	611	7	of	of	ADP
fsr-3406	611	8	the	the	DET
fsr-3406	611	9	united	united	PROPN
fsr-3406	611	10	states	states	PROPN
fsr-3406	611	11	of	of	ADP
fsr-3406	611	12	america	america	PROPN
fsr-3406	611	13	(	(	PUNCT
fsr-3406	611	14	available	available	ADJ
fsr-3406	611	15	at	at	ADP
fsr-3406	611	16	http://www.treas.gov	http://www.treas.gov	PROPN
fsr-3406	611	17	)	)	PUNCT
fsr-3406	611	18	.	.	PUNCT
fsr-3406	612	1	remund	remund	NOUN
fsr-3406	612	2	,	,	PUNCT
fsr-3406	612	3	d.	d.	PROPN
fsr-3406	612	4	l.	l.	PROPN
fsr-3406	612	5	(	(	PUNCT
fsr-3406	612	6	2010	2010	NUM
fsr-3406	612	7	)	)	PUNCT
fsr-3406	612	8	.	.	PUNCT
fsr-3406	613	1	financial	financial	ADJ
fsr-3406	613	2	literacy	literacy	NOUN
fsr-3406	613	3	explicated	explicate	VERB
fsr-3406	613	4	:	:	PUNCT
fsr-3406	613	5	the	the	DET
fsr-3406	613	6	case	case	NOUN
fsr-3406	613	7	for	for	ADP
fsr-3406	613	8	a	a	DET
fsr-3406	613	9	clearer	clear	ADJ
fsr-3406	613	10	definition	definition	NOUN
fsr-3406	613	11	in	in	ADP
fsr-3406	613	12	an	an	DET
fsr-3406	613	13	increasingly	increasingly	ADV
fsr-3406	613	14	complex	complex	ADJ
fsr-3406	613	15	economy	economy	NOUN
fsr-3406	613	16	.	.	PUNCT
fsr-3406	614	1	journal	journal	PROPN
fsr-3406	614	2	of	of	ADP
fsr-3406	614	3	consumer	consumer	NOUN
fsr-3406	614	4	affairs	affair	NOUN
fsr-3406	614	5	,	,	PUNCT
fsr-3406	614	6	44	44	NUM
fsr-3406	614	7	,	,	PUNCT
fsr-3406	614	8	276–295	276–295	NUM
fsr-3406	614	9	.	.	PUNCT
fsr-3406	615	1	van	van	PROPN
fsr-3406	615	2	rooij	rooij	NOUN
fsr-3406	615	3	,	,	PUNCT
fsr-3406	615	4	m.	m.	PROPN
fsr-3406	615	5	c.	c.	PROPN
fsr-3406	615	6	,	,	PUNCT
fsr-3406	615	7	lusardi	lusardi	PROPN
fsr-3406	615	8	,	,	PUNCT
fsr-3406	615	9	a.	a.	NOUN
fsr-3406	615	10	,	,	PUNCT
fsr-3406	615	11	&	&	CCONJ
fsr-3406	615	12	alessie	alessie	PROPN
fsr-3406	615	13	,	,	PUNCT
fsr-3406	615	14	r.	r.	PROPN
fsr-3406	615	15	j.	j.	PROPN
fsr-3406	615	16	(	(	PUNCT
fsr-3406	615	17	2011	2011	NUM
fsr-3406	615	18	)	)	PUNCT
fsr-3406	615	19	.	.	PUNCT
fsr-3406	616	1	financial	financial	ADJ
fsr-3406	616	2	literacy	literacy	NOUN
fsr-3406	616	3	and	and	CCONJ
fsr-3406	616	4	retirement	retirement	NOUN
fsr-3406	616	5	planning	planning	NOUN
fsr-3406	616	6	in	in	ADP
fsr-3406	616	7	the	the	DET
fsr-3406	616	8	netherlands	netherlands	PROPN
fsr-3406	616	9	.	.	PUNCT
fsr-3406	617	1	journal	journal	PROPN
fsr-3406	617	2	of	of	ADP
fsr-3406	617	3	economic	economic	ADJ
fsr-3406	617	4	psychology	psychology	NOUN
fsr-3406	617	5	,	,	PUNCT
fsr-3406	617	6	32	32	NUM
fsr-3406	617	7	,	,	PUNCT
fsr-3406	617	8	593–608	593–608	NUM
fsr-3406	617	9	.	.	PUNCT
fsr-3406	618	1	ware	ware	PROPN
fsr-3406	618	2	,	,	PUNCT
fsr-3406	618	3	s.	s.	PROPN
fsr-3406	618	4	j.	j.	PROPN
fsr-3406	618	5	(	(	PUNCT
fsr-3406	618	6	2015	2015	NUM
fsr-3406	618	7	)	)	PUNCT
fsr-3406	618	8	.	.	PUNCT
fsr-3406	619	1	debt	debt	NOUN
fsr-3406	619	2	,	,	PUNCT
fsr-3406	619	3	poverty	poverty	NOUN
fsr-3406	619	4	,	,	PUNCT
fsr-3406	619	5	and	and	CCONJ
fsr-3406	619	6	personal	personal	ADJ
fsr-3406	619	7	financial	financial	ADJ
fsr-3406	619	8	distress	distress	NOUN
fsr-3406	619	9	.	.	PUNCT
fsr-3406	620	1	american	american	ADJ
fsr-3406	620	2	bankruptcy	bankruptcy	PROPN
fsr-3406	620	3	law	law	PROPN
fsr-3406	620	4	journal	journal	NOUN
fsr-3406	620	5	,	,	PUNCT
fsr-3406	620	6	89	89	NUM
fsr-3406	620	7	,	,	PUNCT
fsr-3406	620	8	493	493	NUM
fsr-3406	620	9	.	.	PUNCT
fsr-3406	621	1	zarcadoolas	zarcadoolas	PROPN
fsr-3406	621	2	,	,	PUNCT
fsr-3406	621	3	c.	c.	PROPN
fsr-3406	621	4	,	,	PUNCT
fsr-3406	621	5	pleasant	pleasant	ADJ
fsr-3406	621	6	,	,	PUNCT
fsr-3406	621	7	a.	a.	PROPN
fsr-3406	621	8	,	,	PUNCT
fsr-3406	621	9	&	&	CCONJ
fsr-3406	621	10	greer	greer	PROPN
fsr-3406	621	11	,	,	PUNCT
fsr-3406	621	12	d.	d.	PROPN
fsr-3406	621	13	s.	s.	PROPN
fsr-3406	621	14	(	(	PUNCT
fsr-3406	621	15	2009	2009	NUM
fsr-3406	621	16	)	)	PUNCT
fsr-3406	621	17	.	.	PUNCT
fsr-3406	622	1	advancing	advance	VERB
fsr-3406	622	2	health	health	NOUN
fsr-3406	622	3	literacy	literacy	NOUN
fsr-3406	622	4	:	:	PUNCT
fsr-3406	622	5	a	a	DET
fsr-3406	622	6	framework	framework	NOUN
fsr-3406	622	7	for	for	ADP
fsr-3406	622	8	understanding	understanding	NOUN
fsr-3406	622	9	and	and	CCONJ
fsr-3406	622	10	action	action	NOUN
fsr-3406	622	11	.	.	PUNCT
fsr-3406	623	1	san	san	PROPN
fsr-3406	623	2	francisco	francisco	PROPN
fsr-3406	623	3	,	,	PUNCT
fsr-3406	623	4	ca	ca	PROPN
fsr-3406	623	5	:	:	PUNCT
fsr-3406	623	6	john	john	PROPN
fsr-3406	623	7	wiley	wiley	PROPN
fsr-3406	623	8	&	&	CCONJ
fsr-3406	623	9	sons	son	NOUN
fsr-3406	623	10	.	.	PUNCT
fsr-3406	624	1	411j.k	411j.k	NUM
fsr-3406	624	2	.	.	PUNCT
fsr-3406	625	1	scott	scott	PROPN
fsr-3406	625	2	et	et	PROPN
fsr-3406	625	3	al	al	PROPN
fsr-3406	625	4	.	.	PUNCT
fsr-3406	625	5	/	/	SYM
fsr-3406	625	6	financial	financial	ADJ
fsr-3406	625	7	services	service	NOUN
fsr-3406	625	8	review	review	VERB
fsr-3406	625	9	27	27	NUM
fsr-3406	625	10	(	(	PUNCT
fsr-3406	625	11	2018	2018	NUM
fsr-3406	625	12	)	)	PUNCT
fsr-3406	625	13	391	391	NUM
fsr-3406	625	14	-	-	SYM
fsr-3406	625	15	411	411	NUM