id	sid	tid	token	lemma	pos
fsr-3411	1	1	from	from	ADP
fsr-3411	1	2	the	the	DET
fsr-3411	1	3	editor	editor	NOUN
fsr-3411	1	4	this	this	DET
fsr-3411	1	5	issue	issue	NOUN
fsr-3411	1	6	contains	contain	VERB
fsr-3411	1	7	volume	volume	NOUN
fsr-3411	1	8	28	28	NUM
fsr-3411	1	9	issue	issue	NOUN
fsr-3411	1	10	1	1	NUM
fsr-3411	1	11	of	of	ADP
fsr-3411	1	12	financial	financial	ADJ
fsr-3411	1	13	services	service	NOUN
fsr-3411	1	14	review	review	NOUN
fsr-3411	1	15	(	(	PUNCT
fsr-3411	1	16	fsr	fsr	PROPN
fsr-3411	1	17	)	)	PUNCT
fsr-3411	1	18	.	.	PUNCT
fsr-3411	2	1	i	i	PRON
fsr-3411	2	2	would	would	AUX
fsr-3411	2	3	like	like	VERB
fsr-3411	2	4	to	to	PART
fsr-3411	2	5	thank	thank	VERB
fsr-3411	2	6	the	the	DET
fsr-3411	2	7	board	board	NOUN
fsr-3411	2	8	and	and	CCONJ
fsr-3411	2	9	members	member	NOUN
fsr-3411	2	10	of	of	ADP
fsr-3411	2	11	the	the	DET
fsr-3411	2	12	academy	academy	NOUN
fsr-3411	2	13	of	of	ADP
fsr-3411	2	14	financial	financial	ADJ
fsr-3411	2	15	services	service	NOUN
fsr-3411	2	16	for	for	ADP
fsr-3411	2	17	their	their	PRON
fsr-3411	2	18	continued	continue	VERB
fsr-3411	2	19	support	support	NOUN
fsr-3411	2	20	.	.	PUNCT
fsr-3411	3	1	i	i	PRON
fsr-3411	3	2	continue	continue	VERB
fsr-3411	3	3	to	to	PART
fsr-3411	3	4	work	work	VERB
fsr-3411	3	5	in	in	ADP
fsr-3411	3	6	broadening	broaden	VERB
fsr-3411	3	7	the	the	DET
fsr-3411	3	8	scope	scope	NOUN
fsr-3411	3	9	of	of	ADP
fsr-3411	3	10	articles	article	NOUN
fsr-3411	3	11	,	,	PUNCT
fsr-3411	3	12	while	while	SCONJ
fsr-3411	3	13	still	still	ADV
fsr-3411	3	14	focusing	focus	VERB
fsr-3411	3	15	on	on	ADP
fsr-3411	3	16	individual	individual	ADJ
fsr-3411	3	17	financial	financial	ADJ
fsr-3411	3	18	management	management	NOUN
fsr-3411	3	19	and	and	CCONJ
fsr-3411	3	20	personal	personal	ADJ
fsr-3411	3	21	financial	financial	ADJ
fsr-3411	3	22	planning	planning	NOUN
fsr-3411	3	23	.	.	PUNCT
fsr-3411	4	1	i	i	PRON
fsr-3411	4	2	encourage	encourage	VERB
fsr-3411	4	3	authors	author	NOUN
fsr-3411	4	4	to	to	PART
fsr-3411	4	5	reach	reach	VERB
fsr-3411	4	6	out	out	ADP
fsr-3411	4	7	when	when	SCONJ
fsr-3411	4	8	discussing	discuss	VERB
fsr-3411	4	9	implications	implication	NOUN
fsr-3411	4	10	of	of	ADP
fsr-3411	4	11	their	their	PRON
fsr-3411	4	12	findings	finding	NOUN
fsr-3411	4	13	in	in	ADP
fsr-3411	4	14	a	a	DET
fsr-3411	4	15	more	more	ADV
fsr-3411	4	16	comprehensive	comprehensive	ADJ
fsr-3411	4	17	way	way	NOUN
fsr-3411	4	18	.	.	PUNCT
fsr-3411	5	1	as	as	SCONJ
fsr-3411	5	2	such	such	ADJ
fsr-3411	5	3	,	,	PUNCT
fsr-3411	5	4	all	all	DET
fsr-3411	5	5	articles	article	NOUN
fsr-3411	5	6	in	in	ADP
fsr-3411	5	7	the	the	DET
fsr-3411	5	8	journal	journal	NOUN
fsr-3411	5	9	more	more	ADV
fsr-3411	5	10	appropriately	appropriately	ADV
fsr-3411	5	11	relate	relate	VERB
fsr-3411	5	12	to	to	ADP
fsr-3411	5	13	financial	financial	ADJ
fsr-3411	5	14	planning	planning	NOUN
fsr-3411	5	15	issues	issue	NOUN
fsr-3411	5	16	.	.	PUNCT
fsr-3411	6	1	the	the	DET
fsr-3411	6	2	lead	lead	ADJ
fsr-3411	6	3	article	article	NOUN
fsr-3411	6	4	“	"	PUNCT
fsr-3411	6	5	the	the	DET
fsr-3411	6	6	decrease	decrease	NOUN
fsr-3411	6	7	in	in	ADP
fsr-3411	6	8	life	life	NOUN
fsr-3411	6	9	insurance	insurance	NOUN
fsr-3411	6	10	ownership	ownership	NOUN
fsr-3411	6	11	:	:	PUNCT
fsr-3411	6	12	implications	implication	NOUN
fsr-3411	6	13	for	for	ADP
fsr-3411	6	14	financial	financial	ADJ
fsr-3411	6	15	planning	planning	NOUN
fsr-3411	6	16	”	"	PUNCT
fsr-3411	6	17	is	be	AUX
fsr-3411	6	18	coauthored	coauthore	VERB
fsr-3411	6	19	by	by	ADP
fsr-3411	6	20	kyoung	kyoung	PROPN
fsr-3411	6	21	tae	tae	PROPN
fsr-3411	6	22	kim	kim	PROPN
fsr-3411	6	23	at	at	ADP
fsr-3411	6	24	university	university	PROPN
fsr-3411	6	25	of	of	ADP
fsr-3411	6	26	alabama	alabama	PROPN
fsr-3411	6	27	,	,	PUNCT
fsr-3411	6	28	travis	travis	PROPN
fsr-3411	6	29	p.	p.	PROPN
fsr-3411	6	30	mountain	mountain	PROPN
fsr-3411	6	31	at	at	ADP
fsr-3411	6	32	virginia	virginia	PROPN
fsr-3411	6	33	tech	tech	PROPN
fsr-3411	6	34	university	university	PROPN
fsr-3411	6	35	,	,	PUNCT
fsr-3411	6	36	sherman	sherman	PROPN
fsr-3411	6	37	d.	d.	PROPN
fsr-3411	6	38	hanna	hanna	PROPN
fsr-3411	6	39	at	at	ADP
fsr-3411	6	40	ohio	ohio	PROPN
fsr-3411	6	41	state	state	PROPN
fsr-3411	6	42	university	university	PROPN
fsr-3411	6	43	,	,	PUNCT
fsr-3411	6	44	and	and	CCONJ
fsr-3411	6	45	namhoon	namhoon	PROPN
fsr-3411	6	46	kim	kim	PROPN
fsr-3411	6	47	at	at	ADP
fsr-3411	6	48	korea	korea	PROPN
fsr-3411	6	49	rural	rural	PROPN
fsr-3411	6	50	economic	economic	PROPN
fsr-3411	6	51	institute	institute	PROPN
fsr-3411	6	52	.	.	PUNCT
fsr-3411	7	1	using	use	VERB
fsr-3411	7	2	the	the	DET
fsr-3411	7	3	survey	survey	NOUN
fsr-3411	7	4	of	of	ADP
fsr-3411	7	5	consumer	consumer	NOUN
fsr-3411	7	6	finances	finance	NOUN
fsr-3411	7	7	dataset	dataset	VERB
fsr-3411	7	8	the	the	DET
fsr-3411	7	9	authors	author	NOUN
fsr-3411	7	10	find	find	VERB
fsr-3411	7	11	the	the	DET
fsr-3411	7	12	proportion	proportion	NOUN
fsr-3411	7	13	of	of	ADP
fsr-3411	7	14	households	household	NOUN
fsr-3411	7	15	owning	own	VERB
fsr-3411	7	16	a	a	DET
fsr-3411	7	17	life	life	NOUN
fsr-3411	7	18	insurance	insurance	NOUN
fsr-3411	7	19	policy	policy	NOUN
fsr-3411	7	20	decreased	decrease	VERB
fsr-3411	7	21	from	from	ADP
fsr-3411	7	22	72	72	NUM
fsr-3411	7	23	%	%	NOUN
fsr-3411	7	24	in	in	ADP
fsr-3411	7	25	1992	1992	NUM
fsr-3411	7	26	to	to	ADP
fsr-3411	7	27	60	60	NUM
fsr-3411	7	28	%	%	NOUN
fsr-3411	7	29	in	in	ADP
fsr-3411	7	30	2016	2016	NUM
fsr-3411	7	31	.	.	PUNCT
fsr-3411	8	1	they	they	PRON
fsr-3411	8	2	estimate	estimate	VERB
fsr-3411	8	3	logistic	logistic	ADJ
fsr-3411	8	4	regressions	regression	NOUN
fsr-3411	8	5	on	on	ADP
fsr-3411	8	6	the	the	DET
fsr-3411	8	7	likelihood	likelihood	NOUN
fsr-3411	8	8	of	of	ADP
fsr-3411	8	9	ownership	ownership	NOUN
fsr-3411	8	10	of	of	ADP
fsr-3411	8	11	term	term	NOUN
fsr-3411	8	12	and	and	CCONJ
fsr-3411	8	13	cash	cash	NOUN
fsr-3411	8	14	value	value	NOUN
fsr-3411	8	15	life	life	NOUN
fsr-3411	8	16	insurance	insurance	NOUN
fsr-3411	8	17	.	.	PUNCT
fsr-3411	9	1	they	they	PRON
fsr-3411	9	2	find	find	VERB
fsr-3411	9	3	that	that	SCONJ
fsr-3411	9	4	changes	change	NOUN
fsr-3411	9	5	in	in	ADP
fsr-3411	9	6	household	household	NOUN
fsr-3411	9	7	characteristics	characteristic	NOUN
fsr-3411	9	8	accounted	account	VERB
fsr-3411	9	9	for	for	ADP
fsr-3411	9	10	the	the	DET
fsr-3411	9	11	decrease	decrease	NOUN
fsr-3411	9	12	in	in	ADP
fsr-3411	9	13	term	term	NOUN
fsr-3411	9	14	life	life	NOUN
fsr-3411	9	15	insurance	insurance	NOUN
fsr-3411	9	16	ownership	ownership	NOUN
fsr-3411	9	17	,	,	PUNCT
fsr-3411	9	18	but	but	CCONJ
fsr-3411	9	19	not	not	PART
fsr-3411	9	20	for	for	ADP
fsr-3411	9	21	the	the	DET
fsr-3411	9	22	decreases	decrease	NOUN
fsr-3411	9	23	in	in	ADP
fsr-3411	9	24	cash	cash	NOUN
fsr-3411	9	25	value	value	NOUN
fsr-3411	9	26	life	life	NOUN
fsr-3411	9	27	insurance	insurance	NOUN
fsr-3411	9	28	ownership	ownership	NOUN
fsr-3411	9	29	.	.	PUNCT
fsr-3411	10	1	they	they	PRON
fsr-3411	10	2	also	also	ADV
fsr-3411	10	3	find	find	VERB
fsr-3411	10	4	a	a	DET
fsr-3411	10	5	positive	positive	ADJ
fsr-3411	10	6	association	association	NOUN
fsr-3411	10	7	between	between	ADP
fsr-3411	10	8	use	use	NOUN
fsr-3411	10	9	of	of	ADP
fsr-3411	10	10	a	a	DET
fsr-3411	10	11	financial	financial	ADJ
fsr-3411	10	12	planner	planner	NOUN
fsr-3411	10	13	and	and	CCONJ
fsr-3411	10	14	life	life	NOUN
fsr-3411	10	15	insurance	insurance	NOUN
fsr-3411	10	16	ownership	ownership	NOUN
fsr-3411	10	17	.	.	PUNCT
fsr-3411	11	1	the	the	DET
fsr-3411	11	2	second	second	ADJ
fsr-3411	11	3	article	article	NOUN
fsr-3411	11	4	“	"	PUNCT
fsr-3411	11	5	are	be	AUX
fsr-3411	11	6	‘	'	PUNCT
fsr-3411	11	7	fun	fun	ADJ
fsr-3411	11	8	’	'	PUNCT
fsr-3411	11	9	sources	source	NOUN
fsr-3411	11	10	of	of	ADP
fsr-3411	11	11	windfalls	windfall	NOUN
fsr-3411	11	12	destined	destine	VERB
fsr-3411	11	13	to	to	PART
fsr-3411	11	14	be	be	AUX
fsr-3411	11	15	spent	spend	VERB
fsr-3411	11	16	hedonistically	hedonistically	ADV
fsr-3411	11	17	?	?	PUNCT
fsr-3411	11	18	”	"	PUNCT
fsr-3411	11	19	is	be	AUX
fsr-3411	11	20	coauthored	coauthore	VERB
fsr-3411	11	21	by	by	ADP
fsr-3411	11	22	eugene	eugene	NOUN
fsr-3411	11	23	bland	bland	NOUN
fsr-3411	11	24	at	at	ADP
fsr-3411	11	25	texas	texas	PROPN
fsr-3411	11	26	a&m	a&m	PROPN
fsr-3411	11	27	university	university	PROPN
fsr-3411	11	28	–	–	PUNCT
fsr-3411	11	29	corpus	corpus	NOUN
fsr-3411	11	30	christi	christi	PROPN
fsr-3411	11	31	and	and	CCONJ
fsr-3411	11	32	valrie	valrie	PROPN
fsr-3411	11	33	chambers	chamber	NOUN
fsr-3411	11	34	at	at	ADP
fsr-3411	11	35	stetson	stetson	NOUN
fsr-3411	11	36	university	university	PROPN
fsr-3411	11	37	.	.	PUNCT
fsr-3411	12	1	the	the	DET
fsr-3411	12	2	authors	author	NOUN
fsr-3411	12	3	show	show	VERB
fsr-3411	12	4	that	that	SCONJ
fsr-3411	12	5	fun	fun	NOUN
fsr-3411	12	6	sources	source	NOUN
fsr-3411	12	7	of	of	ADP
fsr-3411	12	8	income	income	NOUN
fsr-3411	12	9	are	be	AUX
fsr-3411	12	10	more	more	ADV
fsr-3411	12	11	likely	likely	ADJ
fsr-3411	12	12	to	to	PART
fsr-3411	12	13	be	be	AUX
fsr-3411	12	14	spent	spend	VERB
fsr-3411	12	15	on	on	ADP
fsr-3411	12	16	a	a	DET
fsr-3411	12	17	fun	fun	ADJ
fsr-3411	12	18	expenditures	expenditure	NOUN
fsr-3411	12	19	.	.	PUNCT
fsr-3411	13	1	money	money	NOUN
fsr-3411	13	2	won	win	VERB
fsr-3411	13	3	on	on	ADP
fsr-3411	13	4	a	a	DET
fsr-3411	13	5	game	game	NOUN
fsr-3411	13	6	show	show	NOUN
fsr-3411	13	7	would	would	AUX
fsr-3411	13	8	be	be	AUX
fsr-3411	13	9	spent	spend	VERB
fsr-3411	13	10	more	more	ADJ
fsr-3411	13	11	on	on	ADP
fsr-3411	13	12	‘	'	PUNCT
fsr-3411	13	13	fun	fun	NOUN
fsr-3411	13	14	’	'	PUNCT
fsr-3411	13	15	than	than	SCONJ
fsr-3411	13	16	money	money	NOUN
fsr-3411	13	17	received	receive	VERB
fsr-3411	13	18	from	from	ADP
fsr-3411	13	19	a	a	DET
fsr-3411	13	20	tax	tax	NOUN
fsr-3411	13	21	rebate	rebate	NOUN
fsr-3411	13	22	.	.	PUNCT
fsr-3411	14	1	they	they	PRON
fsr-3411	14	2	find	find	VERB
fsr-3411	14	3	support	support	NOUN
fsr-3411	14	4	for	for	ADP
fsr-3411	14	5	rejecting	reject	VERB
fsr-3411	14	6	the	the	DET
fsr-3411	14	7	hypothesis	hypothesis	NOUN
fsr-3411	14	8	that	that	SCONJ
fsr-3411	14	9	there	there	PRON
fsr-3411	14	10	is	be	VERB
fsr-3411	14	11	no	no	DET
fsr-3411	14	12	difference	difference	NOUN
fsr-3411	14	13	in	in	ADP
fsr-3411	14	14	allocations	allocation	NOUN
fsr-3411	14	15	for	for	ADP
fsr-3411	14	16	regular	regular	ADJ
fsr-3411	14	17	expenses	expense	NOUN
fsr-3411	14	18	,	,	PUNCT
fsr-3411	14	19	credit	credit	NOUN
fsr-3411	14	20	card	card	NOUN
fsr-3411	14	21	payments	payment	NOUN
fsr-3411	14	22	,	,	PUNCT
fsr-3411	14	23	durable	durable	ADJ
fsr-3411	14	24	assets	asset	NOUN
fsr-3411	14	25	or	or	CCONJ
fsr-3411	14	26	investing	invest	VERB
fsr-3411	14	27	in	in	ADP
fsr-3411	14	28	stocks	stock	NOUN
fsr-3411	14	29	,	,	PUNCT
fsr-3411	14	30	bonds	bond	NOUN
fsr-3411	14	31	and	and	CCONJ
fsr-3411	14	32	savings	saving	NOUN
fsr-3411	14	33	account	account	NOUN
fsr-3411	14	34	(	(	PUNCT
fsr-3411	14	35	“	"	PUNCT
fsr-3411	14	36	adult	adult	NOUN
fsr-3411	14	37	”	"	PUNCT
fsr-3411	14	38	uses	use	NOUN
fsr-3411	14	39	of	of	ADP
fsr-3411	14	40	funds	fund	NOUN
fsr-3411	14	41	)	)	PUNCT
fsr-3411	14	42	by	by	ADP
fsr-3411	14	43	source	source	NOUN
fsr-3411	14	44	of	of	ADP
fsr-3411	14	45	windfall	windfall	NOUN
fsr-3411	14	46	.	.	PUNCT
fsr-3411	15	1	they	they	PRON
fsr-3411	15	2	found	find	VERB
fsr-3411	15	3	significant	significant	ADJ
fsr-3411	15	4	evidence	evidence	NOUN
fsr-3411	15	5	that	that	SCONJ
fsr-3411	15	6	there	there	PRON
fsr-3411	15	7	is	be	VERB
fsr-3411	15	8	a	a	DET
fsr-3411	15	9	difference	difference	NOUN
fsr-3411	15	10	in	in	ADP
fsr-3411	15	11	investing	investing	NOUN
fsr-3411	15	12	based	base	VERB
fsr-3411	15	13	on	on	ADP
fsr-3411	15	14	the	the	DET
fsr-3411	15	15	source	source	NOUN
fsr-3411	15	16	of	of	ADP
fsr-3411	15	17	the	the	DET
fsr-3411	15	18	windfall	windfall	NOUN
fsr-3411	15	19	.	.	PUNCT
fsr-3411	16	1	people	people	NOUN
fsr-3411	16	2	apparently	apparently	ADV
fsr-3411	16	3	spend	spend	VERB
fsr-3411	16	4	significantly	significantly	ADV
fsr-3411	16	5	more	more	ADV
fsr-3411	16	6	on	on	ADP
fsr-3411	16	7	fun	fun	NOUN
fsr-3411	16	8	when	when	SCONJ
fsr-3411	16	9	a	a	DET
fsr-3411	16	10	fun	fun	ADJ
fsr-3411	16	11	windfall	windfall	NOUN
fsr-3411	16	12	is	be	AUX
fsr-3411	16	13	received	receive	VERB
fsr-3411	16	14	,	,	PUNCT
fsr-3411	16	15	but	but	CCONJ
fsr-3411	16	16	that	that	SCONJ
fsr-3411	16	17	spending	spending	NOUN
fsr-3411	16	18	on	on	ADP
fsr-3411	16	19	fun	fun	NOUN
fsr-3411	16	20	is	be	AUX
fsr-3411	16	21	not	not	PART
fsr-3411	16	22	limitless	limitless	ADJ
fsr-3411	16	23	.	.	PUNCT
fsr-3411	17	1	additionally	additionally	ADV
fsr-3411	17	2	they	they	PRON
fsr-3411	17	3	find	find	VERB
fsr-3411	17	4	that	that	SCONJ
fsr-3411	17	5	there	there	PRON
fsr-3411	17	6	may	may	AUX
fsr-3411	17	7	be	be	AUX
fsr-3411	17	8	such	such	DET
fsr-3411	17	9	a	a	DET
fsr-3411	17	10	thing	thing	NOUN
fsr-3411	17	11	as	as	ADP
fsr-3411	17	12	“	"	PUNCT
fsr-3411	17	13	enough	enough	ADJ
fsr-3411	17	14	spending	spending	NOUN
fsr-3411	17	15	on	on	ADP
fsr-3411	17	16	fun	fun	NOUN
fsr-3411	17	17	.	.	PUNCT
fsr-3411	18	1	the	the	DET
fsr-3411	18	2	third	third	ADJ
fsr-3411	18	3	article	article	NOUN
fsr-3411	18	4	,	,	PUNCT
fsr-3411	18	5	“	"	PUNCT
fsr-3411	18	6	a	a	DET
fsr-3411	18	7	portfolio	portfolio	NOUN
fsr-3411	18	8	of	of	ADP
fsr-3411	18	9	leveraged	leveraged	ADJ
fsr-3411	18	10	exchange	exchange	NOUN
fsr-3411	18	11	traded	trade	VERB
fsr-3411	18	12	funds	fund	NOUN
fsr-3411	18	13	”	"	PUNCT
fsr-3411	18	14	is	be	AUX
fsr-3411	18	15	coauthored	coauthore	VERB
fsr-3411	18	16	by	by	ADP
fsr-3411	18	17	william	william	PROPN
fsr-3411	18	18	j.	j.	PROPN
fsr-3411	18	19	trainor	trainor	PROPN
fsr-3411	18	20	jr	jr	PROPN
fsr-3411	18	21	.	.	PROPN
fsr-3411	18	22	,	,	PUNCT
fsr-3411	18	23	indudeep	indudeep	NOUN
fsr-3411	18	24	chhachhi	chhachhi	NOUN
fsr-3411	18	25	,	,	PUNCT
fsr-3411	18	26	and	and	CCONJ
fsr-3411	18	27	christopher	christopher	PROPN
fsr-3411	18	28	l.	l.	PROPN
fsr-3411	18	29	brown	brown	PROPN
fsr-3411	18	30	,	,	PUNCT
fsr-3411	18	31	all	all	PRON
fsr-3411	18	32	at	at	ADP
fsr-3411	18	33	western	western	ADJ
fsr-3411	18	34	kentucky	kentucky	PROPN
fsr-3411	18	35	university	university	PROPN
fsr-3411	18	36	.	.	PUNCT
fsr-3411	19	1	in	in	ADP
fsr-3411	19	2	this	this	DET
fsr-3411	19	3	study	study	NOUN
fsr-3411	19	4	,	,	PUNCT
fsr-3411	19	5	the	the	DET
fsr-3411	19	6	authors	author	NOUN
fsr-3411	19	7	demonstrate	demonstrate	VERB
fsr-3411	19	8	how	how	SCONJ
fsr-3411	19	9	a	a	DET
fsr-3411	19	10	portfolio	portfolio	NOUN
fsr-3411	19	11	of	of	ADP
fsr-3411	19	12	leveraged	leveraged	ADJ
fsr-3411	19	13	exchange	exchange	NOUN
fsr-3411	19	14	traded	trade	VERB
fsr-3411	19	15	funds	fund	NOUN
fsr-3411	19	16	(	(	PUNCT
fsr-3411	19	17	letfs	letfs	PROPN
fsr-3411	19	18	)	)	PUNCT
fsr-3411	19	19	outperforms	outperform	VERB
fsr-3411	19	20	a	a	DET
fsr-3411	19	21	portfolio	portfolio	NOUN
fsr-3411	19	22	using	use	VERB
fsr-3411	19	23	traditional	traditional	ADJ
fsr-3411	19	24	etfs	etfs	NOUN
fsr-3411	19	25	while	while	SCONJ
fsr-3411	19	26	simultaneously	simultaneously	ADV
fsr-3411	19	27	reducing	reduce	VERB
fsr-3411	19	28	downside	downside	ADJ
fsr-3411	19	29	risk	risk	NOUN
fsr-3411	19	30	.	.	PUNCT
fsr-3411	20	1	their	their	PRON
fsr-3411	20	2	results	result	NOUN
fsr-3411	20	3	are	be	AUX
fsr-3411	20	4	primarily	primarily	ADV
fsr-3411	20	5	a	a	DET
fsr-3411	20	6	function	function	NOUN
fsr-3411	20	7	of	of	ADP
fsr-3411	20	8	letfs	letfs	PROPN
fsr-3411	20	9	borrowing	borrow	VERB
fsr-3411	20	10	short	short	ADJ
fsr-3411	20	11	while	while	SCONJ
fsr-3411	20	12	the	the	DET
fsr-3411	20	13	investor	investor	NOUN
fsr-3411	20	14	lends	lend	VERB
fsr-3411	20	15	the	the	DET
fsr-3411	20	16	additional	additional	ADJ
fsr-3411	20	17	wealth	wealth	NOUN
fsr-3411	20	18	generated	generate	VERB
fsr-3411	20	19	from	from	ADP
fsr-3411	20	20	this	this	DET
fsr-3411	20	21	leverage	leverage	NOUN
fsr-3411	20	22	in	in	ADP
fsr-3411	20	23	1	1	NUM
fsr-3411	20	24	to	to	ADP
fsr-3411	20	25	financial	financial	ADJ
fsr-3411	20	26	services	service	NOUN
fsr-3411	20	27	review	review	VERB
fsr-3411	20	28	28	28	NUM
fsr-3411	20	29	(	(	PUNCT
fsr-3411	20	30	2020	2020	NUM
fsr-3411	20	31	)	)	PUNCT
fsr-3411	20	32	v	v	PROPN
fsr-3411	20	33	–	–	PUNCT
fsr-3411	20	34	vii	vii	PROPN
fsr-3411	20	35	1057	1057	NUM
fsr-3411	20	36	-	-	SYM
fsr-3411	20	37	0810/20/$	0810/20/$	NUM
fsr-3411	20	38	–	–	PUNCT
fsr-3411	20	39	see	see	VERB
fsr-3411	20	40	front	front	ADJ
fsr-3411	20	41	matter	matter	NOUN
fsr-3411	20	42	©	©	PROPN
fsr-3411	20	43	2020	2020	NUM
fsr-3411	20	44	academy	academy	NOUN
fsr-3411	20	45	of	of	ADP
fsr-3411	20	46	financial	financial	ADJ
fsr-3411	20	47	services	service	NOUN
fsr-3411	20	48	.	.	PUNCT
fsr-3411	21	1	all	all	DET
fsr-3411	21	2	rights	right	NOUN
fsr-3411	21	3	reserved	reserve	VERB
fsr-3411	21	4	.	.	PUNCT
fsr-3411	22	1	7year	7year	NUM
fsr-3411	22	2	treasury	treasury	NOUN
fsr-3411	22	3	bonds	bond	NOUN
fsr-3411	22	4	or	or	CCONJ
fsr-3411	22	5	similar	similar	ADJ
fsr-3411	22	6	type	type	NOUN
fsr-3411	22	7	of	of	ADP
fsr-3411	22	8	assets	asset	NOUN
fsr-3411	22	9	.	.	PUNCT
fsr-3411	23	1	they	they	PRON
fsr-3411	23	2	also	also	ADV
fsr-3411	23	3	present	present	VERB
fsr-3411	23	4	that	that	SCONJ
fsr-3411	23	5	for	for	ADP
fsr-3411	23	6	every	every	DET
fsr-3411	23	7	1	1	NUM
fsr-3411	23	8	%	%	NOUN
fsr-3411	23	9	earned	earn	VERB
fsr-3411	23	10	above	above	ADP
fsr-3411	23	11	the	the	DET
fsr-3411	23	12	implied	imply	VERB
fsr-3411	23	13	borrowing	borrowing	NOUN
fsr-3411	23	14	rate	rate	NOUN
fsr-3411	23	15	,	,	PUNCT
fsr-3411	23	16	a	a	DET
fsr-3411	23	17	portfolio	portfolio	NOUN
fsr-3411	23	18	of	of	ADP
fsr-3411	23	19	2x	2x	NUM
fsr-3411	23	20	and	and	CCONJ
fsr-3411	23	21	3x	3x	NUM
fsr-3411	23	22	letfs	letfs	PROPN
fsr-3411	23	23	outperforms	outperform	VERB
fsr-3411	23	24	a	a	DET
fsr-3411	23	25	traditional	traditional	ADJ
fsr-3411	23	26	portfolio	portfolio	NOUN
fsr-3411	23	27	by	by	ADP
fsr-3411	23	28	0.41	0.41	NUM
fsr-3411	23	29	%	%	NOUN
fsr-3411	23	30	and	and	CCONJ
fsr-3411	23	31	0.63	0.63	NUM
fsr-3411	23	32	%	%	NOUN
fsr-3411	23	33	respectively	respectively	ADV
fsr-3411	23	34	,	,	PUNCT
fsr-3411	23	35	they	they	PRON
fsr-3411	23	36	show	show	VERB
fsr-3411	23	37	that	that	SCONJ
fsr-3411	23	38	more	more	ADJ
fsr-3411	23	39	than	than	ADP
fsr-3411	23	40	90	90	NUM
fsr-3411	23	41	%	%	NOUN
fsr-3411	23	42	of	of	ADP
fsr-3411	23	43	letfs	letfs	PROPN
fsr-3411	23	44	outperformance	outperformance	NOUN
fsr-3411	23	45	is	be	AUX
fsr-3411	23	46	explained	explain	VERB
fsr-3411	23	47	by	by	ADP
fsr-3411	23	48	the	the	DET
fsr-3411	23	49	borrowing	borrowing	NOUN
fsr-3411	23	50	lending	lending	NOUN
fsr-3411	23	51	differential	differential	NOUN
fsr-3411	23	52	.	.	PUNCT
fsr-3411	24	1	the	the	DET
fsr-3411	24	2	final	final	ADJ
fsr-3411	24	3	article	article	NOUN
fsr-3411	24	4	,	,	PUNCT
fsr-3411	24	5	“	"	PUNCT
fsr-3411	24	6	are	be	AUX
fsr-3411	24	7	multiple	multiple	ADJ
fsr-3411	24	8	share	share	NOUN
fsr-3411	24	9	class	class	NOUN
fsr-3411	24	10	funds	fund	NOUN
fsr-3411	24	11	poorly	poorly	ADV
fsr-3411	24	12	governed	govern	VERB
fsr-3411	24	13	?	?	PUNCT
fsr-3411	24	14	”	"	PUNCT
fsr-3411	24	15	is	be	AUX
fsr-3411	24	16	coauthored	coauthore	VERB
fsr-3411	24	17	by	by	ADP
fsr-3411	24	18	jonathan	jonathan	PROPN
fsr-3411	24	19	handy	handy	PROPN
fsr-3411	24	20	at	at	ADP
fsr-3411	24	21	furman	furman	PROPN
fsr-3411	24	22	university	university	PROPN
fsr-3411	24	23	and	and	CCONJ
fsr-3411	24	24	thomas	thomas	PROPN
fsr-3411	24	25	smythe	smythe	PROPN
fsr-3411	24	26	at	at	ADP
fsr-3411	24	27	florida	florida	PROPN
fsr-3411	24	28	gulf	gulf	PROPN
fsr-3411	24	29	coast	coast	PROPN
fsr-3411	24	30	university	university	PROPN
fsr-3411	24	31	.	.	PUNCT
fsr-3411	25	1	utilizing	utilize	VERB
fsr-3411	25	2	independent	independent	ADJ
fsr-3411	25	3	morningstar	morningstar	PROPN
fsr-3411	25	4	stewardship	stewardship	NOUN
fsr-3411	25	5	grades	grade	NOUN
fsr-3411	25	6	,	,	PUNCT
fsr-3411	25	7	the	the	DET
fsr-3411	25	8	authors	author	NOUN
fsr-3411	25	9	find	find	VERB
fsr-3411	25	10	that	that	SCONJ
fsr-3411	25	11	multiple	multiple	ADJ
fsr-3411	25	12	share	share	NOUN
fsr-3411	25	13	class	class	NOUN
fsr-3411	25	14	mutual	mutual	ADJ
fsr-3411	25	15	funds	fund	NOUN
fsr-3411	25	16	(	(	PUNCT
fsr-3411	25	17	ms	ms	PROPN
fsr-3411	25	18	funds	fund	NOUN
fsr-3411	25	19	)	)	PUNCT
fsr-3411	25	20	have	have	VERB
fsr-3411	25	21	lower	low	ADJ
fsr-3411	25	22	quality	quality	NOUN
fsr-3411	25	23	governance	governance	NOUN
fsr-3411	25	24	.	.	PUNCT
fsr-3411	26	1	using	use	VERB
fsr-3411	26	2	ordered	order	VERB
fsr-3411	26	3	probit	probit	NOUN
fsr-3411	26	4	regressions	regression	NOUN
fsr-3411	26	5	they	they	PRON
fsr-3411	26	6	find	find	VERB
fsr-3411	26	7	that	that	SCONJ
fsr-3411	26	8	ms	ms	PROPN
fsr-3411	26	9	funds	fund	NOUN
fsr-3411	26	10	are	be	AUX
fsr-3411	26	11	more	more	ADV
fsr-3411	26	12	likely	likely	ADJ
fsr-3411	26	13	to	to	PART
fsr-3411	26	14	have	have	VERB
fsr-3411	26	15	lower	low	ADJ
fsr-3411	26	16	board	board	NOUN
fsr-3411	26	17	quality	quality	NOUN
fsr-3411	26	18	ratings	rating	NOUN
fsr-3411	26	19	and	and	CCONJ
fsr-3411	26	20	managerial	managerial	ADJ
fsr-3411	26	21	incentive	incentive	NOUN
fsr-3411	26	22	ratings	rating	NOUN
fsr-3411	26	23	.	.	PUNCT
fsr-3411	27	1	their	their	PRON
fsr-3411	27	2	results	result	NOUN
fsr-3411	27	3	show	show	VERB
fsr-3411	27	4	that	that	SCONJ
fsr-3411	27	5	less	less	ADV
fsr-3411	27	6	sophisticated	sophisticated	ADJ
fsr-3411	27	7	investors	investor	NOUN
fsr-3411	27	8	seeking	seek	VERB
fsr-3411	27	9	financial	financial	ADJ
fsr-3411	27	10	advice	advice	NOUN
fsr-3411	27	11	(	(	PUNCT
fsr-3411	27	12	those	those	PRON
fsr-3411	27	13	typically	typically	ADV
fsr-3411	27	14	utilizing	utilize	VERB
fsr-3411	27	15	ms	ms	ADJ
fsr-3411	27	16	funds	fund	NOUN
fsr-3411	27	17	)	)	PUNCT
fsr-3411	27	18	may	may	AUX
fsr-3411	27	19	potentially	potentially	ADV
fsr-3411	27	20	be	be	AUX
fsr-3411	27	21	directed	direct	VERB
fsr-3411	27	22	to	to	ADP
fsr-3411	27	23	funds	fund	NOUN
fsr-3411	27	24	that	that	SCONJ
fsr-3411	27	25	underperform	underperform	NOUN
fsr-3411	27	26	and	and	CCONJ
fsr-3411	27	27	have	have	VERB
fsr-3411	27	28	higher	high	ADJ
fsr-3411	27	29	costs	cost	NOUN
fsr-3411	27	30	.	.	PUNCT
fsr-3411	28	1	thanks	thank	NOUN
fsr-3411	28	2	to	to	ADP
fsr-3411	28	3	those	those	PRON
fsr-3411	28	4	who	who	PRON
fsr-3411	28	5	make	make	VERB
fsr-3411	28	6	the	the	DET
fsr-3411	28	7	journal	journal	NOUN
fsr-3411	28	8	possible	possible	ADJ
fsr-3411	28	9	,	,	PUNCT
fsr-3411	28	10	especially	especially	ADV
fsr-3411	28	11	the	the	DET
fsr-3411	28	12	referees	referee	NOUN
fsr-3411	28	13	and	and	CCONJ
fsr-3411	28	14	contributing	contribute	VERB
fsr-3411	28	15	authors	author	NOUN
fsr-3411	28	16	.	.	PUNCT
fsr-3411	29	1	over	over	ADP
fsr-3411	29	2	the	the	DET
fsr-3411	29	3	past	past	ADJ
fsr-3411	29	4	year	year	NOUN
fsr-3411	29	5	,	,	PUNCT
fsr-3411	29	6	the	the	DET
fsr-3411	29	7	following	follow	VERB
fsr-3411	29	8	reviewers	reviewer	NOUN
fsr-3411	29	9	provided	provide	VERB
fsr-3411	29	10	excellent	excellent	ADJ
fsr-3411	29	11	reviews	review	NOUN
fsr-3411	29	12	of	of	ADP
fsr-3411	29	13	the	the	DET
fsr-3411	29	14	articles	article	NOUN
fsr-3411	29	15	you	you	PRON
fsr-3411	29	16	enjoyed	enjoy	VERB
fsr-3411	29	17	within	within	ADP
fsr-3411	29	18	the	the	DET
fsr-3411	29	19	pages	page	NOUN
fsr-3411	29	20	of	of	ADP
fsr-3411	29	21	financial	financial	ADJ
fsr-3411	29	22	services	service	NOUN
fsr-3411	29	23	review	review	NOUN
fsr-3411	29	24	.	.	PUNCT
fsr-3411	30	1	i	i	PRON
fsr-3411	30	2	would	would	AUX
fsr-3411	30	3	like	like	VERB
fsr-3411	30	4	to	to	PART
fsr-3411	30	5	send	send	VERB
fsr-3411	30	6	a	a	DET
fsr-3411	30	7	special	special	ADJ
fsr-3411	30	8	thank	thank	NOUN
fsr-3411	30	9	you	you	PRON
fsr-3411	30	10	to	to	ADP
fsr-3411	30	11	the	the	DET
fsr-3411	30	12	many	many	ADJ
fsr-3411	30	13	reviewers	reviewer	NOUN
fsr-3411	30	14	that	that	PRON
fsr-3411	30	15	have	have	AUX
fsr-3411	30	16	significantly	significantly	ADV
fsr-3411	30	17	contributed	contribute	VERB
fsr-3411	30	18	to	to	ADP
fsr-3411	30	19	the	the	DET
fsr-3411	30	20	quality	quality	NOUN
fsr-3411	30	21	of	of	ADP
fsr-3411	30	22	our	our	PRON
fsr-3411	30	23	journal	journal	NOUN
fsr-3411	30	24	by	by	ADP
fsr-3411	30	25	providing	provide	VERB
fsr-3411	30	26	timely	timely	ADJ
fsr-3411	30	27	and	and	CCONJ
fsr-3411	30	28	thorough	thorough	ADJ
fsr-3411	30	29	reviews	review	NOUN
fsr-3411	30	30	of	of	ADP
fsr-3411	30	31	the	the	DET
fsr-3411	30	32	submissions	submission	NOUN
fsr-3411	30	33	to	to	ADP
fsr-3411	30	34	our	our	PRON
fsr-3411	30	35	journal	journal	NOUN
fsr-3411	30	36	.	.	PUNCT
fsr-3411	31	1	john	john	PROPN
fsr-3411	31	2	e.	e.	PROPN
fsr-3411	31	3	grable	grable	PROPN
fsr-3411	31	4	tim	tim	PROPN
fsr-3411	31	5	kaiser	kaiser	PROPN
fsr-3411	31	6	sina	sina	PROPN
fsr-3411	31	7	ehsani	ehsani	PROPN
fsr-3411	31	8	travis	travis	PROPN
fsr-3411	31	9	l.	l.	PROPN
fsr-3411	31	10	jones	jones	PROPN
fsr-3411	31	11	michael	michael	PROPN
fsr-3411	31	12	highfield	highfield	PROPN
fsr-3411	31	13	swarn	swarn	PROPN
fsr-3411	31	14	chatterjee	chatterjee	PROPN
fsr-3411	31	15	william	william	PROPN
fsr-3411	31	16	trainor	trainor	PROPN
fsr-3411	31	17	sarah	sarah	PROPN
fsr-3411	31	18	reiter	reiter	PROPN
fsr-3411	31	19	john	john	PROPN
fsr-3411	31	20	clinebell	clinebell	PROPN
fsr-3411	31	21	shaun	shaun	PROPN
fsr-3411	31	22	pfeiffer	pfeiffer	PROPN
fsr-3411	31	23	sophie	sophie	PROPN
fsr-3411	31	24	shive	shive	PROPN
fsr-3411	31	25	yuliya	yuliya	PROPN
fsr-3411	31	26	plyakha	plyakha	PROPN
fsr-3411	31	27	xu	xu	PROPN
fsr-3411	32	1	sun	sun	PROPN
fsr-3411	32	2	gene	gene	PROPN
fsr-3411	32	3	stout	stout	ADP
fsr-3411	32	4	timothy	timothy	PROPN
fsr-3411	32	5	krause	krause	PROPN
fsr-3411	32	6	john	john	PROPN
fsr-3411	32	7	clinebell	clinebell	PROPN
fsr-3411	32	8	laszlo	laszlo	PROPN
fsr-3411	32	9	sandor	sandor	PROPN
fsr-3411	32	10	anders	anders	PROPN
fsr-3411	32	11	carlander	carlander	PROPN
fsr-3411	32	12	lewis	lewis	PROPN
fsr-3411	32	13	w.	w.	PROPN
fsr-3411	32	14	coopersmith	coopersmith	PROPN
fsr-3411	32	15	kenneth	kenneth	PROPN
fsr-3411	32	16	ryack	ryack	PROPN
fsr-3411	32	17	jerry	jerry	PROPN
fsr-3411	32	18	stevens	stevens	PROPN
fsr-3411	32	19	sonya	sonya	PROPN
fsr-3411	32	20	britt	britt	PROPN
fsr-3411	32	21	robert	robert	PROPN
fsr-3411	32	22	ottr	ottr	PROPN
fsr-3411	32	23	gary	gary	PROPN
fsr-3411	32	24	porter	porter	PROPN
fsr-3411	32	25	kent	kent	PROPN
fsr-3411	32	26	baker	baker	PROPN
fsr-3411	32	27	david	david	PROPN
fsr-3411	32	28	yeske	yeske	PROPN
fsr-3411	32	29	jean	jean	PROPN
fsr-3411	32	30	lown	lown	PROPN
fsr-3411	32	31	scott	scott	PROPN
fsr-3411	32	32	moore	moore	PROPN
fsr-3411	32	33	stuart	stuart	PROPN
fsr-3411	32	34	heckman	heckman	PROPN
fsr-3411	32	35	jonathan	jonathan	PROPN
fsr-3411	32	36	guyton	guyton	PROPN
fsr-3411	32	37	haiwei	haiwei	PROPN
fsr-3411	32	38	chen	chen	PROPN
fsr-3411	32	39	shibashish	shibashish	PROPN
fsr-3411	32	40	chakraborty	chakraborty	PROPN
fsr-3411	32	41	wade	wade	PROPN
fsr-3411	32	42	d.	d.	PROPN
fsr-3411	32	43	pfau	pfau	PROPN
fsr-3411	32	44	jiri	jiri	PROPN
fsr-3411	32	45	sindelar	sindelar	PROPN
fsr-3411	32	46	timothy	timothy	PROPN
fsr-3411	32	47	lu	lu	PROPN
fsr-3411	32	48	tianyang	tianyang	PROPN
fsr-3411	32	49	wang	wang	PROPN
fsr-3411	32	50	kaustav	kaustav	PROPN
fsr-3411	32	51	misra	misra	PROPN
fsr-3411	32	52	daniel	daniel	PROPN
fsr-3411	32	53	huerta	huerta	PROPN
fsr-3411	32	54	-	-	PUNCT
fsr-3411	32	55	sanchez	sanchez	PROPN
fsr-3411	32	56	sandeep	sandeep	PROPN
fsr-3411	32	57	singh	singh	PROPN
fsr-3411	32	58	sara	sara	PROPN
fsr-3411	32	59	shirley	shirley	PROPN
fsr-3411	32	60	larry	larry	PROPN
fsr-3411	32	61	frank	frank	PROPN
fsr-3411	32	62	philippe	philippe	PROPN
fsr-3411	32	63	cogneau	cogneau	PROPN
fsr-3411	32	64	greg	greg	PROPN
fsr-3411	32	65	geisler	geisler	PROPN
fsr-3411	32	66	david	david	PROPN
fsr-3411	32	67	perkins	perkins	PROPN
fsr-3411	33	1	james	james	PROPN
fsr-3411	33	2	dow	dow	PROPN
fsr-3411	33	3	stuart	stuart	PROPN
fsr-3411	33	4	heckman	heckman	PROPN
fsr-3411	33	5	hanna	hanna	PROPN
fsr-3411	33	6	lim	lim	PROPN
fsr-3411	33	7	jian	jian	PROPN
fsr-3411	33	8	zhou	zhou	PROPN
fsr-3411	33	9	sherman	sherman	PROPN
fsr-3411	33	10	hanna	hanna	PROPN
fsr-3411	33	11	david	david	PROPN
fsr-3411	33	12	hulse	hulse	PROPN
fsr-3411	33	13	victoria	victoria	PROPN
fsr-3411	33	14	bryant	bryant	PROPN
fsr-3411	33	15	jeremy	jeremy	PROPN
fsr-3411	33	16	burke	burke	PROPN
fsr-3411	33	17	jeremy	jeremy	PROPN
fsr-3411	33	18	clark	clark	PROPN
fsr-3411	33	19	cathy	cathy	PROPN
fsr-3411	33	20	faulcon	faulcon	PROPN
fsr-3411	33	21	bowen	bowen	PROPN
fsr-3411	33	22	hem	hem	PROPN
fsr-3411	33	23	c.	c.	PROPN
fsr-3411	33	24	basnet	basnet	PROPN
fsr-3411	33	25	yan	yan	PROPN
fsr-3411	33	26	liu	liu	PROPN
fsr-3411	33	27	george	george	PROPN
fsr-3411	33	28	korniotis	korniotis	PROPN
fsr-3411	33	29	diego	diego	PROPN
fsr-3411	33	30	escobari	escobari	PROPN
fsr-3411	33	31	harin	harin	NOUN
fsr-3411	33	32	desilva	desilva	PROPN
fsr-3411	33	33	juan	juan	PROPN
fsr-3411	33	34	gallardo	gallardo	PROPN
fsr-3411	34	1	hal	hal	PROPN
fsr-3411	34	2	hershfield	hershfield	PROPN
fsr-3411	35	1	jason	jason	PROPN
fsr-3411	35	2	p.	p.	PROPN
fsr-3411	35	3	berkowitz	berkowitz	PROPN
fsr-3411	35	4	david	david	PROPN
fsr-3411	35	5	nanigian	nanigian	PROPN
fsr-3411	35	6	sharon	sharon	PROPN
fsr-3411	35	7	danes	danes	PROPN
fsr-3411	35	8	vi	vi	PROPN
fsr-3411	35	9	editorial	editorial	NOUN
fsr-3411	35	10	/	/	SYM
fsr-3411	35	11	financial	financial	ADJ
fsr-3411	35	12	services	service	NOUN
fsr-3411	35	13	review	review	VERB
fsr-3411	35	14	28	28	NUM
fsr-3411	35	15	(	(	PUNCT
fsr-3411	35	16	2020	2020	NUM
fsr-3411	35	17	)	)	PUNCT
fsr-3411	35	18	v	v	NOUN
fsr-3411	35	19	–	–	PUNCT
fsr-3411	35	20	vii	vii	PROPN
fsr-3411	35	21	please	please	INTJ
fsr-3411	35	22	consider	consider	VERB
fsr-3411	35	23	submission	submission	NOUN
fsr-3411	35	24	to	to	ADP
fsr-3411	35	25	the	the	DET
fsr-3411	35	26	financial	financial	ADJ
fsr-3411	35	27	services	service	NOUN
fsr-3411	35	28	review	review	NOUN
fsr-3411	35	29	and	and	CCONJ
fsr-3411	35	30	rely	rely	VERB
fsr-3411	35	31	on	on	ADP
fsr-3411	35	32	the	the	DET
fsr-3411	35	33	style	style	NOUN
fsr-3411	35	34	information	information	NOUN
fsr-3411	35	35	provided	provide	VERB
fsr-3411	35	36	to	to	PART
fsr-3411	35	37	ease	ease	VERB
fsr-3411	35	38	readability	readability	NOUN
fsr-3411	35	39	and	and	CCONJ
fsr-3411	35	40	streamline	streamline	VERB
fsr-3411	35	41	the	the	DET
fsr-3411	35	42	review	review	NOUN
fsr-3411	35	43	process	process	NOUN
fsr-3411	35	44	.	.	PUNCT
fsr-3411	36	1	the	the	DET
fsr-3411	36	2	journal	journal	NOUN
fsr-3411	36	3	welcomes	welcome	VERB
fsr-3411	36	4	articles	article	NOUN
fsr-3411	36	5	over	over	ADP
fsr-3411	36	6	the	the	DET
fsr-3411	36	7	range	range	NOUN
fsr-3411	36	8	of	of	ADP
fsr-3411	36	9	areas	area	NOUN
fsr-3411	36	10	that	that	PRON
fsr-3411	36	11	comprise	comprise	VERB
fsr-3411	36	12	personal	personal	ADJ
fsr-3411	36	13	financial	financial	ADJ
fsr-3411	36	14	planning	planning	NOUN
fsr-3411	36	15	.	.	PUNCT
fsr-3411	37	1	while	while	SCONJ
fsr-3411	37	2	fsr	fsr	PROPN
fsr-3411	37	3	articles	article	NOUN
fsr-3411	37	4	are	be	AUX
fsr-3411	37	5	certainly	certainly	ADV
fsr-3411	37	6	diverse	diverse	ADJ
fsr-3411	37	7	in	in	ADP
fsr-3411	37	8	terms	term	NOUN
fsr-3411	37	9	of	of	ADP
fsr-3411	37	10	topic	topic	NOUN
fsr-3411	37	11	,	,	PUNCT
fsr-3411	37	12	data	datum	NOUN
fsr-3411	37	13	,	,	PUNCT
fsr-3411	37	14	and	and	CCONJ
fsr-3411	37	15	method	method	NOUN
fsr-3411	37	16	,	,	PUNCT
fsr-3411	37	17	they	they	PRON
fsr-3411	37	18	are	be	AUX
fsr-3411	37	19	focused	focus	VERB
fsr-3411	37	20	in	in	ADP
fsr-3411	37	21	terms	term	NOUN
fsr-3411	37	22	of	of	ADP
fsr-3411	37	23	motivation	motivation	NOUN
fsr-3411	37	24	.	.	PUNCT
fsr-3411	38	1	fsr	fsr	PROPN
fsr-3411	38	2	exists	exist	VERB
fsr-3411	38	3	to	to	PART
fsr-3411	38	4	produce	produce	VERB
fsr-3411	38	5	research	research	NOUN
fsr-3411	38	6	that	that	PRON
fsr-3411	38	7	addresses	address	VERB
fsr-3411	38	8	issues	issue	NOUN
fsr-3411	38	9	that	that	PRON
fsr-3411	38	10	matter	matter	VERB
fsr-3411	38	11	to	to	ADP
fsr-3411	38	12	individuals	individual	NOUN
fsr-3411	38	13	.	.	PUNCT
fsr-3411	39	1	i	i	PRON
fsr-3411	39	2	remain	remain	VERB
fsr-3411	39	3	committed	committed	ADJ
fsr-3411	39	4	to	to	ADP
fsr-3411	39	5	the	the	DET
fsr-3411	39	6	goal	goal	NOUN
fsr-3411	39	7	of	of	ADP
fsr-3411	39	8	making	make	VERB
fsr-3411	39	9	financial	financial	ADJ
fsr-3411	39	10	services	service	NOUN
fsr-3411	39	11	review	review	VERB
fsr-3411	39	12	the	the	DET
fsr-3411	39	13	best	good	ADJ
fsr-3411	39	14	academic	academic	ADJ
fsr-3411	39	15	journal	journal	NOUN
fsr-3411	39	16	in	in	ADP
fsr-3411	39	17	individual	individual	ADJ
fsr-3411	39	18	financial	financial	ADJ
fsr-3411	39	19	management	management	NOUN
fsr-3411	39	20	and	and	CCONJ
fsr-3411	39	21	personal	personal	ADJ
fsr-3411	39	22	financial	financial	ADJ
fsr-3411	39	23	planning	planning	NOUN
fsr-3411	39	24	.	.	PUNCT
fsr-3411	40	1	best	good	ADJ
fsr-3411	40	2	regards	regard	VERB
fsr-3411	40	3	,	,	PUNCT
fsr-3411	40	4	stuart	stuart	PROPN
fsr-3411	40	5	michelson	michelson	PROPN
fsr-3411	40	6	editor	editor	PROPN
fsr-3411	40	7	financial	financial	PROPN
fsr-3411	40	8	services	services	PROPN
fsr-3411	40	9	review	review	VERB
fsr-3411	40	10	viieditorial	viieditorial	ADJ
fsr-3411	40	11	/	/	SYM
fsr-3411	40	12	financial	financial	ADJ
fsr-3411	40	13	services	service	NOUN
fsr-3411	40	14	review	review	VERB
fsr-3411	40	15	28	28	NUM
fsr-3411	40	16	(	(	PUNCT
fsr-3411	40	17	2020	2020	NUM
fsr-3411	40	18	)	)	PUNCT
fsr-3411	40	19	v	v	NOUN
fsr-3411	40	20	–	–	PUNCT
fsr-3411	40	21	vii	vii	NOUN