id	sid	tid	token	lemma	pos
fsr-3413	1	1	are	be	AUX
fsr-3413	1	2	“	"	PUNCT
fsr-3413	1	3	fun	fun	ADJ
fsr-3413	1	4	”	"	PUNCT
fsr-3413	1	5	sources	source	NOUN
fsr-3413	1	6	of	of	ADP
fsr-3413	1	7	windfalls	windfall	NOUN
fsr-3413	1	8	destined	destine	VERB
fsr-3413	1	9	to	to	PART
fsr-3413	1	10	be	be	AUX
fsr-3413	1	11	spent	spend	VERB
fsr-3413	1	12	hedonistically	hedonistically	ADV
fsr-3413	1	13	?	?	PUNCT
fsr-3413	2	1	eugene	eugene	PROPN
fsr-3413	2	2	blanda	blanda	PROPN
fsr-3413	2	3	*	*	PROPN
fsr-3413	2	4	,	,	PUNCT
fsr-3413	2	5	valrie	valrie	NOUN
fsr-3413	2	6	chambersb	chambersb	PROPN
fsr-3413	2	7	atexas	atexas	PROPN
fsr-3413	2	8	a&m	a&m	PROPN
fsr-3413	2	9	university	university	PROPN
fsr-3413	2	10	–	–	PUNCT
fsr-3413	2	11	corpus	corpus	NOUN
fsr-3413	2	12	christi	christi	PROPN
fsr-3413	2	13	,	,	PUNCT
fsr-3413	2	14	6300	6300	NUM
fsr-3413	2	15	ocean	ocean	NOUN
fsr-3413	2	16	drive	drive	NOUN
fsr-3413	2	17	,	,	PUNCT
fsr-3413	2	18	corpus	corpus	PROPN
fsr-3413	2	19	christi	christi	PROPN
fsr-3413	2	20	,	,	PUNCT
fsr-3413	2	21	tx	tx	PROPN
fsr-3413	2	22	78412	78412	NUM
fsr-3413	2	23	,	,	PUNCT
fsr-3413	2	24	usa	usa	PROPN
fsr-3413	2	25	bstetson	bstetson	PROPN
fsr-3413	2	26	university	university	PROPN
fsr-3413	2	27	,	,	PUNCT
fsr-3413	2	28	421	421	NUM
fsr-3413	2	29	n	n	PROPN
fsr-3413	2	30	woodland	woodland	PROPN
fsr-3413	2	31	boulevard	boulevard	PROPN
fsr-3413	2	32	unit	unit	PROPN
fsr-3413	2	33	8398	8398	NUM
fsr-3413	2	34	,	,	PUNCT
fsr-3413	2	35	deland	deland	PROPN
fsr-3413	2	36	,	,	PUNCT
fsr-3413	2	37	fl	fl	PROPN
fsr-3413	2	38	32723	32723	NUM
fsr-3413	2	39	,	,	PUNCT
fsr-3413	2	40	usa	usa	PROPN
fsr-3413	2	41	abstract	abstract	PROPN
fsr-3413	2	42	recently	recently	ADV
fsr-3413	2	43	,	,	PUNCT
fsr-3413	2	44	richard	richard	PROPN
fsr-3413	2	45	thaler	thaler	PROPN
fsr-3413	2	46	was	be	AUX
fsr-3413	2	47	awarded	award	VERB
fsr-3413	2	48	a	a	DET
fsr-3413	2	49	nobel	nobel	PROPN
fsr-3413	2	50	prize	prize	NOUN
fsr-3413	2	51	for	for	ADP
fsr-3413	2	52	his	his	PRON
fsr-3413	2	53	work	work	NOUN
fsr-3413	2	54	in	in	ADP
fsr-3413	2	55	developing	develop	VERB
fsr-3413	2	56	behavioral	behavioral	ADJ
fsr-3413	2	57	economics	economic	NOUN
fsr-3413	2	58	.	.	PUNCT
fsr-3413	3	1	while	while	SCONJ
fsr-3413	3	2	much	much	ADJ
fsr-3413	3	3	of	of	ADP
fsr-3413	3	4	economics	economic	NOUN
fsr-3413	3	5	assumes	assume	VERB
fsr-3413	3	6	that	that	SCONJ
fsr-3413	3	7	people	people	NOUN
fsr-3413	3	8	act	act	VERB
fsr-3413	3	9	rationally	rationally	ADV
fsr-3413	3	10	,	,	PUNCT
fsr-3413	3	11	areily	areily	ADV
fsr-3413	3	12	(	(	PUNCT
fsr-3413	3	13	2008	2008	NUM
fsr-3413	3	14	)	)	PUNCT
fsr-3413	3	15	,	,	PUNCT
fsr-3413	3	16	expanding	expand	VERB
fsr-3413	3	17	on	on	ADP
fsr-3413	3	18	thaler	thaler	PROPN
fsr-3413	3	19	’s	’s	PART
fsr-3413	3	20	body	body	NOUN
fsr-3413	3	21	of	of	ADP
fsr-3413	3	22	work	work	NOUN
fsr-3413	3	23	,	,	PUNCT
fsr-3413	3	24	proves	prove	VERB
fsr-3413	3	25	that	that	SCONJ
fsr-3413	3	26	we	we	PRON
fsr-3413	3	27	are	be	AUX
fsr-3413	3	28	not	not	PART
fsr-3413	3	29	only	only	ADV
fsr-3413	3	30	often	often	ADV
fsr-3413	3	31	irrational	irrational	ADJ
fsr-3413	3	32	,	,	PUNCT
fsr-3413	3	33	but	but	CCONJ
fsr-3413	3	34	we	we	PRON
fsr-3413	3	35	are	be	AUX
fsr-3413	3	36	predictably	predictably	ADV
fsr-3413	3	37	irrational	irrational	ADJ
fsr-3413	3	38	.	.	PUNCT
fsr-3413	4	1	when	when	SCONJ
fsr-3413	4	2	an	an	DET
fsr-3413	4	3	interviewer	interviewer	NOUN
fsr-3413	4	4	asked	ask	VERB
fsr-3413	4	5	thaler	thaler	ADV
fsr-3413	4	6	how	how	SCONJ
fsr-3413	4	7	he	he	PRON
fsr-3413	4	8	would	would	AUX
fsr-3413	4	9	spend	spend	VERB
fsr-3413	4	10	the	the	DET
fsr-3413	4	11	roughly	roughly	ADV
fsr-3413	4	12	$	$	SYM
fsr-3413	4	13	1.1	1.1	NUM
fsr-3413	4	14	million	million	NUM
fsr-3413	4	15	in	in	ADP
fsr-3413	4	16	prize	prize	NOUN
fsr-3413	4	17	money	money	NOUN
fsr-3413	4	18	,	,	PUNCT
fsr-3413	4	19	he	he	PRON
fsr-3413	4	20	responded	respond	VERB
fsr-3413	4	21	,	,	PUNCT
fsr-3413	4	22	“	"	PUNCT
fsr-3413	4	23	this	this	PRON
fsr-3413	4	24	is	be	AUX
fsr-3413	4	25	quite	quite	DET
fsr-3413	4	26	a	a	DET
fsr-3413	4	27	funny	funny	ADJ
fsr-3413	4	28	question	question	NOUN
fsr-3413	4	29	.	.	PUNCT
fsr-3413	4	30	”	"	PUNCT
fsr-3413	5	1	thaler	thaler	PROPN
fsr-3413	5	2	added	add	VERB
fsr-3413	5	3	,	,	PUNCT
fsr-3413	5	4	“	"	PUNCT
fsr-3413	5	5	i	i	PRON
fsr-3413	5	6	will	will	AUX
fsr-3413	5	7	try	try	VERB
fsr-3413	5	8	to	to	PART
fsr-3413	5	9	spend	spend	VERB
fsr-3413	5	10	it	it	PRON
fsr-3413	5	11	as	as	ADV
fsr-3413	5	12	irrationally	irrationally	ADV
fsr-3413	5	13	as	as	ADP
fsr-3413	5	14	possible	possible	ADJ
fsr-3413	5	15	.	.	PUNCT
fsr-3413	5	16	”	"	PUNCT
fsr-3413	6	1	we	we	PRON
fsr-3413	6	2	know	know	VERB
fsr-3413	6	3	that	that	SCONJ
fsr-3413	6	4	affective	affective	ADJ
fsr-3413	6	5	tags	tag	NOUN
fsr-3413	6	6	for	for	ADP
fsr-3413	6	7	money	money	NOUN
fsr-3413	6	8	exist	exist	VERB
fsr-3413	6	9	but	but	CCONJ
fsr-3413	6	10	what	what	PRON
fsr-3413	6	11	specifically	specifically	ADV
fsr-3413	6	12	are	be	AUX
fsr-3413	6	13	those	those	DET
fsr-3413	6	14	affective	affective	ADJ
fsr-3413	6	15	tags	tag	NOUN
fsr-3413	6	16	?	?	PUNCT
fsr-3413	7	1	more	more	ADV
fsr-3413	7	2	specifically	specifically	ADV
fsr-3413	7	3	still	still	ADV
fsr-3413	7	4	,	,	PUNCT
fsr-3413	7	5	is	be	AUX
fsr-3413	7	6	one	one	NUM
fsr-3413	7	7	of	of	ADP
fsr-3413	7	8	those	those	DET
fsr-3413	7	9	tags	tag	NOUN
fsr-3413	7	10	for	for	ADP
fsr-3413	7	11	sources	source	NOUN
fsr-3413	7	12	of	of	ADP
fsr-3413	7	13	income	income	NOUN
fsr-3413	7	14	“	"	PUNCT
fsr-3413	7	15	fun	fun	NOUN
fsr-3413	7	16	,	,	PUNCT
fsr-3413	7	17	”	"	PUNCT
fsr-3413	7	18	and	and	CCONJ
fsr-3413	7	19	if	if	SCONJ
fsr-3413	7	20	so	so	ADV
fsr-3413	7	21	,	,	PUNCT
fsr-3413	7	22	does	do	AUX
fsr-3413	7	23	that	that	PRON
fsr-3413	7	24	affect	affect	VERB
fsr-3413	7	25	whether	whether	SCONJ
fsr-3413	7	26	the	the	DET
fsr-3413	7	27	money	money	NOUN
fsr-3413	7	28	will	will	AUX
fsr-3413	7	29	be	be	AUX
fsr-3413	7	30	spent	spend	VERB
fsr-3413	7	31	on	on	ADP
fsr-3413	7	32	fun	fun	NOUN
fsr-3413	7	33	?	?	PUNCT
fsr-3413	8	1	classical	classical	ADJ
fsr-3413	8	2	economics	economic	NOUN
fsr-3413	8	3	would	would	AUX
fsr-3413	8	4	assume	assume	VERB
fsr-3413	8	5	that	that	SCONJ
fsr-3413	8	6	satisfaction	satisfaction	NOUN
fsr-3413	8	7	comes	come	VERB
fsr-3413	8	8	from	from	ADP
fsr-3413	8	9	the	the	DET
fsr-3413	8	10	consumption	consumption	NOUN
fsr-3413	8	11	of	of	ADP
fsr-3413	8	12	goods	good	NOUN
fsr-3413	8	13	and	and	CCONJ
fsr-3413	8	14	services	service	NOUN
fsr-3413	8	15	,	,	PUNCT
fsr-3413	8	16	that	that	DET
fsr-3413	8	17	money	money	NOUN
fsr-3413	8	18	is	be	AUX
fsr-3413	8	19	a	a	DET
fsr-3413	8	20	medium	medium	NOUN
fsr-3413	8	21	of	of	ADP
fsr-3413	8	22	exchange	exchange	NOUN
fsr-3413	8	23	,	,	PUNCT
fsr-3413	8	24	and	and	CCONJ
fsr-3413	8	25	that	that	SCONJ
fsr-3413	8	26	the	the	DET
fsr-3413	8	27	source	source	NOUN
fsr-3413	8	28	of	of	ADP
fsr-3413	8	29	that	that	DET
fsr-3413	8	30	medium	medium	NOUN
fsr-3413	8	31	of	of	ADP
fsr-3413	8	32	exchange	exchange	NOUN
fsr-3413	8	33	does	do	AUX
fsr-3413	8	34	not	not	PART
fsr-3413	8	35	enter	enter	VERB
fsr-3413	8	36	into	into	ADP
fsr-3413	8	37	the	the	DET
fsr-3413	8	38	choice	choice	NOUN
fsr-3413	8	39	of	of	ADP
fsr-3413	8	40	the	the	DET
fsr-3413	8	41	goods	good	NOUN
fsr-3413	8	42	or	or	CCONJ
fsr-3413	8	43	services	service	NOUN
fsr-3413	8	44	consumed	consume	VERB
fsr-3413	8	45	.	.	PUNCT
fsr-3413	9	1	thaler	thaler	PROPN
fsr-3413	9	2	’s	’s	PART
fsr-3413	9	3	(	(	PUNCT
fsr-3413	9	4	1999	1999	NUM
fsr-3413	9	5	)	)	PUNCT
fsr-3413	9	6	works	work	NOUN
fsr-3413	9	7	show	show	VERB
fsr-3413	9	8	that	that	SCONJ
fsr-3413	9	9	people	people	NOUN
fsr-3413	9	10	create	create	VERB
fsr-3413	9	11	mental	mental	ADJ
fsr-3413	9	12	accounts	account	NOUN
fsr-3413	9	13	,	,	PUNCT
fsr-3413	9	14	indicating	indicate	VERB
fsr-3413	9	15	that	that	SCONJ
fsr-3413	9	16	the	the	DET
fsr-3413	9	17	source	source	NOUN
fsr-3413	9	18	of	of	ADP
fsr-3413	9	19	the	the	DET
fsr-3413	9	20	money	money	NOUN
fsr-3413	9	21	may	may	AUX
fsr-3413	9	22	not	not	PART
fsr-3413	9	23	be	be	AUX
fsr-3413	9	24	as	as	ADV
fsr-3413	9	25	completely	completely	ADV
fsr-3413	9	26	irrelevant	irrelevant	ADJ
fsr-3413	9	27	as	as	SCONJ
fsr-3413	9	28	classical	classical	ADJ
fsr-3413	9	29	economics	economic	NOUN
fsr-3413	9	30	predicted	predict	VERB
fsr-3413	9	31	.	.	PUNCT
fsr-3413	10	1	this	this	PRON
fsr-3413	10	2	is	be	AUX
fsr-3413	10	3	important	important	ADJ
fsr-3413	10	4	because	because	SCONJ
fsr-3413	10	5	where	where	SCONJ
fsr-3413	10	6	irrational	irrational	ADJ
fsr-3413	10	7	behavior	behavior	NOUN
fsr-3413	10	8	is	be	AUX
fsr-3413	10	9	suboptimal	suboptimal	ADJ
fsr-3413	10	10	behavior	behavior	NOUN
fsr-3413	10	11	,	,	PUNCT
fsr-3413	10	12	if	if	SCONJ
fsr-3413	10	13	we	we	PRON
fsr-3413	10	14	can	can	AUX
fsr-3413	10	15	anticipate	anticipate	VERB
fsr-3413	10	16	it	it	PRON
fsr-3413	10	17	,	,	PUNCT
fsr-3413	10	18	we	we	PRON
fsr-3413	10	19	can	can	AUX
fsr-3413	10	20	construct	construct	VERB
fsr-3413	10	21	environments	environment	NOUN
fsr-3413	10	22	to	to	PART
fsr-3413	10	23	support	support	VERB
fsr-3413	10	24	better	well	ADJ
fsr-3413	10	25	choices	choice	NOUN
fsr-3413	10	26	.	.	PUNCT
fsr-3413	11	1	we	we	PRON
fsr-3413	11	2	find	find	VERB
fsr-3413	11	3	that	that	SCONJ
fsr-3413	11	4	fun	fun	NOUN
fsr-3413	11	5	sources	source	NOUN
fsr-3413	11	6	of	of	ADP
fsr-3413	11	7	income	income	NOUN
fsr-3413	11	8	are	be	AUX
fsr-3413	11	9	significantly	significantly	ADV
fsr-3413	11	10	more	more	ADV
fsr-3413	11	11	likely	likely	ADJ
fsr-3413	11	12	to	to	PART
fsr-3413	11	13	be	be	AUX
fsr-3413	11	14	spent	spend	VERB
fsr-3413	11	15	on	on	ADP
fsr-3413	11	16	fun	fun	ADJ
fsr-3413	11	17	expenditures	expenditure	NOUN
fsr-3413	11	18	.	.	PUNCT
fsr-3413	12	1	however	however	ADV
fsr-3413	12	2	,	,	PUNCT
fsr-3413	12	3	as	as	ADP
fsr-3413	12	4	the	the	DET
fsr-3413	12	5	amount	amount	NOUN
fsr-3413	12	6	of	of	ADP
fsr-3413	12	7	the	the	DET
fsr-3413	12	8	windfall	windfall	NOUN
fsr-3413	12	9	increases	increase	NOUN
fsr-3413	12	10	,	,	PUNCT
fsr-3413	12	11	the	the	DET
fsr-3413	12	12	amount	amount	NOUN
fsr-3413	12	13	spent	spend	VERB
fsr-3413	12	14	on	on	ADP
fsr-3413	12	15	fun	fun	ADJ
fsr-3413	12	16	levels	level	NOUN
fsr-3413	12	17	off	off	ADP
fsr-3413	12	18	,	,	PUNCT
fsr-3413	12	19	indicating	indicate	VERB
fsr-3413	12	20	that	that	SCONJ
fsr-3413	12	21	this	this	DET
fsr-3413	12	22	affect	affect	NOUN
fsr-3413	12	23	may	may	AUX
fsr-3413	12	24	be	be	AUX
fsr-3413	12	25	bounded	bound	VERB
fsr-3413	12	26	.	.	PUNCT
fsr-3413	13	1	we	we	PRON
fsr-3413	13	2	were	be	AUX
fsr-3413	13	3	unable	unable	ADJ
fsr-3413	13	4	to	to	PART
fsr-3413	13	5	find	find	VERB
fsr-3413	13	6	statistically	statistically	ADV
fsr-3413	13	7	significant	significant	ADJ
fsr-3413	13	8	support	support	NOUN
fsr-3413	13	9	that	that	SCONJ
fsr-3413	13	10	more	more	ADJ
fsr-3413	13	11	“	"	PUNCT
fsr-3413	13	12	adult	adult	NOUN
fsr-3413	13	13	”	"	PUNCT
fsr-3413	13	14	sources	source	NOUN
fsr-3413	13	15	of	of	ADP
fsr-3413	13	16	income	income	NOUN
fsr-3413	13	17	are	be	AUX
fsr-3413	13	18	more	more	ADV
fsr-3413	13	19	likely	likely	ADJ
fsr-3413	13	20	to	to	PART
fsr-3413	13	21	be	be	AUX
fsr-3413	13	22	spent	spend	VERB
fsr-3413	13	23	on	on	ADP
fsr-3413	13	24	more	more	ADJ
fsr-3413	13	25	adult	adult	NOUN
fsr-3413	13	26	uses	use	NOUN
fsr-3413	13	27	,	,	PUNCT
fsr-3413	13	28	but	but	CCONJ
fsr-3413	13	29	money	money	NOUN
fsr-3413	13	30	from	from	ADP
fsr-3413	13	31	adult	adult	NOUN
fsr-3413	13	32	sources	source	NOUN
fsr-3413	13	33	was	be	AUX
fsr-3413	13	34	significantly	significantly	ADV
fsr-3413	13	35	more	more	ADV
fsr-3413	13	36	likely	likely	ADJ
fsr-3413	13	37	to	to	PART
fsr-3413	13	38	be	be	AUX
fsr-3413	13	39	invested	invest	VERB
fsr-3413	13	40	.	.	PUNCT
fsr-3413	14	1	this	this	PRON
fsr-3413	14	2	is	be	AUX
fsr-3413	14	3	important	important	ADJ
fsr-3413	14	4	because	because	SCONJ
fsr-3413	14	5	understanding	understand	VERB
fsr-3413	14	6	more	more	ADJ
fsr-3413	14	7	about	about	ADP
fsr-3413	14	8	affective	affective	ADJ
fsr-3413	14	9	tags	tag	NOUN
fsr-3413	14	10	and	and	CCONJ
fsr-3413	14	11	how	how	SCONJ
fsr-3413	14	12	they	they	PRON
fsr-3413	14	13	affect	affect	VERB
fsr-3413	14	14	decisions	decision	NOUN
fsr-3413	14	15	to	to	PART
fsr-3413	14	16	use	use	VERB
fsr-3413	14	17	money	money	NOUN
fsr-3413	14	18	,	,	PUNCT
fsr-3413	14	19	we	we	PRON
fsr-3413	14	20	become	become	VERB
fsr-3413	14	21	better	well	ADJ
fsr-3413	14	22	predictors	predictor	NOUN
fsr-3413	14	23	of	of	ADP
fsr-3413	14	24	irrational	irrational	ADJ
fsr-3413	14	25	behavior	behavior	NOUN
fsr-3413	14	26	.	.	PUNCT
fsr-3413	15	1	©	©	PROPN
fsr-3413	15	2	2020	2020	NUM
fsr-3413	15	3	academy	academy	NOUN
fsr-3413	15	4	of	of	ADP
fsr-3413	15	5	financial	financial	ADJ
fsr-3413	15	6	services	service	NOUN
fsr-3413	15	7	.	.	PUNCT
fsr-3413	16	1	all	all	DET
fsr-3413	16	2	rights	right	NOUN
fsr-3413	16	3	reserved	reserve	VERB
fsr-3413	16	4	.	.	PUNCT
fsr-3413	17	1	jel	jel	PROPN
fsr-3413	17	2	classification	classification	NOUN
fsr-3413	17	3	:	:	PUNCT
fsr-3413	17	4	g40	g40	NOUN
fsr-3413	17	5	;	;	PUNCT
fsr-3413	17	6	d140	d140	PROPN
fsr-3413	17	7	keywords	keyword	NOUN
fsr-3413	17	8	:	:	PUNCT
fsr-3413	17	9	income	income	NOUN
fsr-3413	17	10	;	;	PUNCT
fsr-3413	17	11	income	income	NOUN
fsr-3413	17	12	source	source	NOUN
fsr-3413	17	13	;	;	PUNCT
fsr-3413	17	14	behavioral	behavioral	ADJ
fsr-3413	17	15	finance	finance	NOUN
fsr-3413	17	16	;	;	PUNCT
fsr-3413	17	17	consumer	consumer	NOUN
fsr-3413	17	18	behavior	behavior	NOUN
fsr-3413	17	19	;	;	PUNCT
fsr-3413	17	20	mental	mental	ADJ
fsr-3413	17	21	accounting	accounting	NOUN
fsr-3413	17	22	*	*	PUNCT
fsr-3413	17	23	corresponding	correspond	VERB
fsr-3413	17	24	author	author	NOUN
fsr-3413	17	25	.	.	PUNCT
fsr-3413	18	1	tel	tel	PROPN
fsr-3413	18	2	.	.	PUNCT
fsr-3413	18	3	:	:	PUNCT
fsr-3413	19	1	�	�	PROPN
fsr-3413	19	2	1	1	NUM
fsr-3413	19	3	-	-	SYM
fsr-3413	19	4	361	361	NUM
fsr-3413	19	5	-	-	PUNCT
fsr-3413	19	6	825	825	NUM
fsr-3413	19	7	-	-	SYM
fsr-3413	19	8	2829	2829	NUM
fsr-3413	19	9	;	;	PUNCT
fsr-3413	19	10	fax	fax	NOUN
fsr-3413	19	11	:	:	PUNCT
fsr-3413	19	12	�	�	PROPN
fsr-3413	19	13	1	1	NUM
fsr-3413	19	14	-	-	SYM
fsr-3413	19	15	361	361	NUM
fsr-3413	19	16	-	-	PUNCT
fsr-3413	19	17	825	825	NUM
fsr-3413	19	18	-	-	PUNCT
fsr-3413	19	19	5609	5609	NUM
fsr-3413	19	20	.	.	PUNCT
fsr-3413	20	1	e	e	X
fsr-3413	20	2	-	-	NOUN
fsr-3413	20	3	mail	mail	NOUN
fsr-3413	20	4	address	address	NOUN
fsr-3413	20	5	:	:	PUNCT
fsr-3413	20	6	eugene.bland@tamucc.edu	eugene.bland@tamucc.edu	PROPN
fsr-3413	20	7	(	(	PUNCT
fsr-3413	20	8	e.	e.	PROPN
fsr-3413	20	9	bland	bland	PROPN
fsr-3413	20	10	)	)	PUNCT
fsr-3413	20	11	financial	financial	ADJ
fsr-3413	20	12	services	service	NOUN
fsr-3413	20	13	review	review	VERB
fsr-3413	20	14	28	28	NUM
fsr-3413	20	15	(	(	PUNCT
fsr-3413	20	16	2020	2020	NUM
fsr-3413	20	17	)	)	PUNCT
fsr-3413	20	18	17	17	NUM
fsr-3413	20	19	-	-	SYM
fsr-3413	20	20	34	34	NUM
fsr-3413	20	21	1057	1057	NUM
fsr-3413	20	22	-	-	SYM
fsr-3413	20	23	0810/20/$	0810/20/$	NUM
fsr-3413	20	24	–	–	PUNCT
fsr-3413	20	25	see	see	VERB
fsr-3413	20	26	front	front	ADJ
fsr-3413	20	27	matter	matter	NOUN
fsr-3413	20	28	©	©	PROPN
fsr-3413	20	29	2020	2020	NUM
fsr-3413	20	30	academy	academy	NOUN
fsr-3413	20	31	of	of	ADP
fsr-3413	20	32	financial	financial	ADJ
fsr-3413	20	33	services	service	NOUN
fsr-3413	20	34	.	.	PUNCT
fsr-3413	21	1	all	all	DET
fsr-3413	21	2	rights	right	NOUN
fsr-3413	21	3	reserved	reserve	VERB
fsr-3413	21	4	.	.	PUNCT
fsr-3413	22	1	1	1	X
fsr-3413	22	2	.	.	X
fsr-3413	22	3	introduction	introduction	NOUN
fsr-3413	22	4	economic	economic	ADJ
fsr-3413	22	5	researchers	researcher	NOUN
fsr-3413	22	6	have	have	AUX
fsr-3413	22	7	traditionally	traditionally	ADV
fsr-3413	22	8	assumed	assume	VERB
fsr-3413	22	9	that	that	SCONJ
fsr-3413	22	10	people	people	NOUN
fsr-3413	22	11	’s	’s	PART
fsr-3413	22	12	behavior	behavior	NOUN
fsr-3413	22	13	is	be	AUX
fsr-3413	22	14	rational	rational	ADJ
fsr-3413	22	15	.	.	PUNCT
fsr-3413	23	1	classical	classical	ADJ
fsr-3413	23	2	economics	economic	NOUN
fsr-3413	23	3	would	would	AUX
fsr-3413	23	4	assume	assume	VERB
fsr-3413	23	5	that	that	SCONJ
fsr-3413	23	6	satisfaction	satisfaction	NOUN
fsr-3413	23	7	comes	come	VERB
fsr-3413	23	8	from	from	ADP
fsr-3413	23	9	the	the	DET
fsr-3413	23	10	consumption	consumption	NOUN
fsr-3413	23	11	of	of	ADP
fsr-3413	23	12	goods	good	NOUN
fsr-3413	23	13	and	and	CCONJ
fsr-3413	23	14	services	service	NOUN
fsr-3413	23	15	,	,	PUNCT
fsr-3413	23	16	that	that	DET
fsr-3413	23	17	money	money	NOUN
fsr-3413	23	18	is	be	AUX
fsr-3413	23	19	a	a	DET
fsr-3413	23	20	medium	medium	NOUN
fsr-3413	23	21	of	of	ADP
fsr-3413	23	22	exchange	exchange	NOUN
fsr-3413	23	23	,	,	PUNCT
fsr-3413	23	24	and	and	CCONJ
fsr-3413	23	25	that	that	SCONJ
fsr-3413	23	26	the	the	DET
fsr-3413	23	27	source	source	NOUN
fsr-3413	23	28	of	of	ADP
fsr-3413	23	29	that	that	DET
fsr-3413	23	30	medium	medium	NOUN
fsr-3413	23	31	of	of	ADP
fsr-3413	23	32	exchange	exchange	NOUN
fsr-3413	23	33	does	do	AUX
fsr-3413	23	34	not	not	PART
fsr-3413	23	35	enter	enter	VERB
fsr-3413	23	36	into	into	ADP
fsr-3413	23	37	the	the	DET
fsr-3413	23	38	choice	choice	NOUN
fsr-3413	23	39	of	of	ADP
fsr-3413	23	40	the	the	DET
fsr-3413	23	41	goods	good	NOUN
fsr-3413	23	42	or	or	CCONJ
fsr-3413	23	43	services	service	NOUN
fsr-3413	23	44	consumed	consume	VERB
fsr-3413	23	45	.	.	PUNCT
fsr-3413	24	1	dan	dan	PROPN
fsr-3413	24	2	ariely	ariely	PROPN
fsr-3413	24	3	’s	’s	PART
fsr-3413	24	4	(	(	PUNCT
fsr-3413	24	5	2008	2008	NUM
fsr-3413	24	6	)	)	PUNCT
fsr-3413	24	7	work	work	NOUN
fsr-3413	24	8	asserts	assert	VERB
fsr-3413	24	9	however	however	ADV
fsr-3413	24	10	that	that	SCONJ
fsr-3413	24	11	we	we	PRON
fsr-3413	24	12	are	be	AUX
fsr-3413	24	13	predictably	predictably	ADV
fsr-3413	24	14	irrational	irrational	ADJ
fsr-3413	24	15	.	.	PUNCT
fsr-3413	25	1	however	however	ADV
fsr-3413	25	2	,	,	PUNCT
fsr-3413	25	3	while	while	SCONJ
fsr-3413	25	4	deviations	deviation	NOUN
fsr-3413	25	5	from	from	ADP
fsr-3413	25	6	rational	rational	ADJ
fsr-3413	25	7	behavior	behavior	NOUN
fsr-3413	25	8	abound	abound	NOUN
fsr-3413	25	9	,	,	PUNCT
fsr-3413	25	10	behavioral	behavioral	ADJ
fsr-3413	25	11	economics	economic	NOUN
fsr-3413	25	12	is	be	AUX
fsr-3413	25	13	relatively	relatively	ADV
fsr-3413	25	14	new	new	ADJ
fsr-3413	25	15	and	and	CCONJ
fsr-3413	25	16	there	there	PRON
fsr-3413	25	17	is	be	VERB
fsr-3413	25	18	much	much	ADJ
fsr-3413	25	19	to	to	PART
fsr-3413	25	20	learn	learn	VERB
fsr-3413	25	21	about	about	ADP
fsr-3413	25	22	how	how	SCONJ
fsr-3413	25	23	rationality	rationality	NOUN
fsr-3413	25	24	is	be	AUX
fsr-3413	25	25	bounded	bound	VERB
fsr-3413	25	26	and	and	CCONJ
fsr-3413	25	27	how	how	SCONJ
fsr-3413	25	28	people	people	NOUN
fsr-3413	25	29	make	make	VERB
fsr-3413	25	30	financial	financial	ADJ
fsr-3413	25	31	decisions	decision	NOUN
fsr-3413	25	32	.	.	PUNCT
fsr-3413	26	1	frederick	frederick	PROPN
fsr-3413	26	2	(	(	PUNCT
fsr-3413	26	3	2005	2005	NUM
fsr-3413	26	4	)	)	PUNCT
fsr-3413	26	5	found	find	VERB
fsr-3413	26	6	that	that	SCONJ
fsr-3413	26	7	the	the	DET
fsr-3413	26	8	more	more	ADV
fsr-3413	26	9	cognitive	cognitive	ADJ
fsr-3413	26	10	reflection	reflection	NOUN
fsr-3413	26	11	that	that	PRON
fsr-3413	26	12	occurred	occur	VERB
fsr-3413	26	13	,	,	PUNCT
fsr-3413	26	14	the	the	DET
fsr-3413	26	15	less	less	ADV
fsr-3413	26	16	nonrational	nonrational	ADJ
fsr-3413	26	17	behavior	behavior	NOUN
fsr-3413	26	18	occurred	occur	VERB
fsr-3413	26	19	.	.	PUNCT
fsr-3413	27	1	thaler	thaler	PROPN
fsr-3413	27	2	’s	’s	PART
fsr-3413	27	3	(	(	PUNCT
fsr-3413	27	4	1999	1999	NUM
fsr-3413	27	5	)	)	PUNCT
fsr-3413	27	6	work	work	NOUN
fsr-3413	27	7	shows	show	VERB
fsr-3413	27	8	that	that	SCONJ
fsr-3413	27	9	people	people	NOUN
fsr-3413	27	10	create	create	VERB
fsr-3413	27	11	mental	mental	ADJ
fsr-3413	27	12	accounts	account	NOUN
fsr-3413	27	13	,	,	PUNCT
fsr-3413	27	14	indicating	indicate	VERB
fsr-3413	27	15	that	that	SCONJ
fsr-3413	27	16	the	the	DET
fsr-3413	27	17	source	source	NOUN
fsr-3413	27	18	of	of	ADP
fsr-3413	27	19	the	the	DET
fsr-3413	27	20	money	money	NOUN
fsr-3413	27	21	may	may	AUX
fsr-3413	27	22	not	not	PART
fsr-3413	27	23	be	be	AUX
fsr-3413	27	24	as	as	ADV
fsr-3413	27	25	completely	completely	ADV
fsr-3413	27	26	irrelevant	irrelevant	ADJ
fsr-3413	27	27	as	as	SCONJ
fsr-3413	27	28	classical	classical	ADJ
fsr-3413	27	29	economics	economic	NOUN
fsr-3413	27	30	predicted	predict	VERB
fsr-3413	27	31	.	.	PUNCT
fsr-3413	28	1	that	that	PRON
fsr-3413	28	2	is	be	AUX
fsr-3413	28	3	,	,	PUNCT
fsr-3413	28	4	there	there	PRON
fsr-3413	28	5	is	be	VERB
fsr-3413	28	6	much	much	ADJ
fsr-3413	28	7	to	to	PART
fsr-3413	28	8	be	be	AUX
fsr-3413	28	9	learned	learn	VERB
fsr-3413	28	10	about	about	ADP
fsr-3413	28	11	how	how	SCONJ
fsr-3413	28	12	rationality	rationality	NOUN
fsr-3413	28	13	and	and	CCONJ
fsr-3413	28	14	irrationality	irrationality	NOUN
fsr-3413	28	15	interact	interact	NOUN
fsr-3413	28	16	.	.	PUNCT
fsr-3413	29	1	specifically	specifically	ADV
fsr-3413	29	2	,	,	PUNCT
fsr-3413	29	3	we	we	PRON
fsr-3413	29	4	know	know	VERB
fsr-3413	29	5	that	that	SCONJ
fsr-3413	29	6	affective	affective	ADJ
fsr-3413	29	7	tags	tag	NOUN
fsr-3413	29	8	for	for	ADP
fsr-3413	29	9	money	money	NOUN
fsr-3413	29	10	exist	exist	NOUN
fsr-3413	29	11	(	(	PUNCT
fsr-3413	29	12	bradford	bradford	NOUN
fsr-3413	29	13	,	,	PUNCT
fsr-3413	29	14	2008	2008	NUM
fsr-3413	29	15	;	;	PUNCT
fsr-3413	29	16	henderson	henderson	PROPN
fsr-3413	29	17	and	and	CCONJ
fsr-3413	29	18	peterson	peterson	PROPN
fsr-3413	29	19	,	,	PUNCT
fsr-3413	29	20	1992	1992	NUM
fsr-3413	29	21	;	;	PUNCT
fsr-3413	29	22	levav	levav	PROPN
fsr-3413	29	23	and	and	CCONJ
fsr-3413	29	24	mcgraw	mcgraw	PROPN
fsr-3413	29	25	,	,	PUNCT
fsr-3413	29	26	2009	2009	NUM
fsr-3413	29	27	;	;	PUNCT
fsr-3413	30	1	winkelmann	winkelmann	PROPN
fsr-3413	30	2	et	et	PROPN
fsr-3413	30	3	al	al	PROPN
fsr-3413	30	4	.	.	PROPN
fsr-3413	30	5	,	,	PUNCT
fsr-3413	30	6	2011	2011	NUM
fsr-3413	30	7	,	,	PUNCT
fsr-3413	30	8	)	)	PUNCT
fsr-3413	30	9	but	but	CCONJ
fsr-3413	30	10	we	we	PRON
fsr-3413	30	11	do	do	AUX
fsr-3413	30	12	not	not	PART
fsr-3413	30	13	know	know	VERB
fsr-3413	30	14	what	what	PRON
fsr-3413	30	15	specifically	specifically	ADV
fsr-3413	30	16	those	those	DET
fsr-3413	30	17	affective	affective	ADJ
fsr-3413	30	18	tags	tag	NOUN
fsr-3413	30	19	are	be	AUX
fsr-3413	30	20	,	,	PUNCT
fsr-3413	30	21	nor	nor	CCONJ
fsr-3413	30	22	do	do	AUX
fsr-3413	30	23	we	we	PRON
fsr-3413	30	24	know	know	VERB
fsr-3413	30	25	the	the	DET
fsr-3413	30	26	strength	strength	NOUN
fsr-3413	30	27	of	of	ADP
fsr-3413	30	28	those	those	DET
fsr-3413	30	29	tags	tag	NOUN
fsr-3413	30	30	.	.	PUNCT
fsr-3413	31	1	more	more	ADV
fsr-3413	31	2	specifically	specifically	ADV
fsr-3413	31	3	still	still	ADV
fsr-3413	31	4	,	,	PUNCT
fsr-3413	31	5	one	one	NUM
fsr-3413	31	6	of	of	ADP
fsr-3413	31	7	those	those	DET
fsr-3413	31	8	affective	affective	ADJ
fsr-3413	31	9	tags	tag	NOUN
fsr-3413	31	10	for	for	ADP
fsr-3413	31	11	sources	source	NOUN
fsr-3413	31	12	of	of	ADP
fsr-3413	31	13	income	income	NOUN
fsr-3413	31	14	may	may	AUX
fsr-3413	31	15	be	be	AUX
fsr-3413	31	16	“	"	PUNCT
fsr-3413	31	17	fun	fun	ADJ
fsr-3413	31	18	,	,	PUNCT
fsr-3413	31	19	”	"	PUNCT
fsr-3413	31	20	and	and	CCONJ
fsr-3413	31	21	if	if	SCONJ
fsr-3413	31	22	so	so	ADV
fsr-3413	31	23	,	,	PUNCT
fsr-3413	31	24	that	that	PRON
fsr-3413	31	25	may	may	AUX
fsr-3413	31	26	affect	affect	VERB
fsr-3413	31	27	how	how	SCONJ
fsr-3413	31	28	the	the	DET
fsr-3413	31	29	money	money	NOUN
fsr-3413	31	30	will	will	AUX
fsr-3413	31	31	be	be	AUX
fsr-3413	31	32	spent	spend	VERB
fsr-3413	31	33	.	.	PUNCT
fsr-3413	32	1	there	there	PRON
fsr-3413	32	2	may	may	AUX
fsr-3413	32	3	be	be	AUX
fsr-3413	32	4	a	a	DET
fsr-3413	32	5	direct	direct	ADJ
fsr-3413	32	6	connection	connection	NOUN
fsr-3413	32	7	between	between	ADP
fsr-3413	32	8	the	the	DET
fsr-3413	32	9	affective	affective	ADJ
fsr-3413	32	10	tag	tag	NOUN
fsr-3413	32	11	on	on	ADP
fsr-3413	32	12	income	income	NOUN
fsr-3413	32	13	and	and	CCONJ
fsr-3413	32	14	the	the	DET
fsr-3413	32	15	affective	affective	ADJ
fsr-3413	32	16	tag	tag	NOUN
fsr-3413	32	17	on	on	ADP
fsr-3413	32	18	the	the	DET
fsr-3413	32	19	disposition	disposition	NOUN
fsr-3413	32	20	of	of	ADP
fsr-3413	32	21	that	that	DET
fsr-3413	32	22	income	income	NOUN
fsr-3413	32	23	.	.	PUNCT
fsr-3413	33	1	this	this	DET
fsr-3413	33	2	connection	connection	NOUN
fsr-3413	33	3	has	have	VERB
fsr-3413	33	4	yet	yet	ADV
fsr-3413	33	5	to	to	PART
fsr-3413	33	6	be	be	AUX
fsr-3413	33	7	directly	directly	ADV
fsr-3413	33	8	studied	study	VERB
fsr-3413	33	9	.	.	PUNCT
fsr-3413	34	1	by	by	ADP
fsr-3413	34	2	understanding	understand	VERB
fsr-3413	34	3	more	more	ADJ
fsr-3413	34	4	about	about	ADP
fsr-3413	34	5	what	what	PRON
fsr-3413	34	6	affective	affective	ADJ
fsr-3413	34	7	tags	tag	NOUN
fsr-3413	34	8	are	be	AUX
fsr-3413	34	9	and	and	CCONJ
fsr-3413	34	10	how	how	SCONJ
fsr-3413	34	11	affective	affective	ADJ
fsr-3413	34	12	tags	tag	NOUN
fsr-3413	34	13	on	on	ADP
fsr-3413	34	14	income	income	NOUN
fsr-3413	34	15	affect	affect	VERB
fsr-3413	34	16	decisions	decision	NOUN
fsr-3413	34	17	to	to	PART
fsr-3413	34	18	use	use	VERB
fsr-3413	34	19	money	money	NOUN
fsr-3413	34	20	,	,	PUNCT
fsr-3413	34	21	we	we	PRON
fsr-3413	34	22	become	become	VERB
fsr-3413	34	23	better	well	ADJ
fsr-3413	34	24	predictors	predictor	NOUN
fsr-3413	34	25	of	of	ADP
fsr-3413	34	26	people	people	NOUN
fsr-3413	34	27	’s	’s	PART
fsr-3413	34	28	economic	economic	ADJ
fsr-3413	34	29	behavior	behavior	NOUN
fsr-3413	34	30	.	.	PUNCT
fsr-3413	35	1	such	such	ADJ
fsr-3413	35	2	understandings	understanding	NOUN
fsr-3413	35	3	in	in	ADP
fsr-3413	35	4	aggregate	aggregate	NOUN
fsr-3413	35	5	can	can	AUX
fsr-3413	35	6	help	help	VERB
fsr-3413	35	7	lead	lead	VERB
fsr-3413	35	8	people	people	NOUN
fsr-3413	35	9	to	to	PART
fsr-3413	35	10	create	create	VERB
fsr-3413	35	11	systems	system	NOUN
fsr-3413	35	12	whereby	whereby	SCONJ
fsr-3413	35	13	they	they	PRON
fsr-3413	35	14	make	make	VERB
fsr-3413	35	15	better	well	ADJ
fsr-3413	35	16	financial	financial	ADJ
fsr-3413	35	17	choices	choice	NOUN
fsr-3413	35	18	,	,	PUNCT
fsr-3413	35	19	which	which	PRON
fsr-3413	35	20	in	in	ADP
fsr-3413	35	21	turn	turn	NOUN
fsr-3413	35	22	reduces	reduce	VERB
fsr-3413	35	23	their	their	PRON
fsr-3413	35	24	financial	financial	ADJ
fsr-3413	35	25	stress	stress	NOUN
fsr-3413	35	26	and	and	CCONJ
fsr-3413	35	27	increases	increase	VERB
fsr-3413	35	28	their	their	PRON
fsr-3413	35	29	wealth	wealth	NOUN
fsr-3413	35	30	and	and	CCONJ
fsr-3413	35	31	quality	quality	NOUN
fsr-3413	35	32	of	of	ADP
fsr-3413	35	33	life	life	NOUN
fsr-3413	35	34	.	.	PUNCT
fsr-3413	36	1	this	this	DET
fsr-3413	36	2	research	research	NOUN
fsr-3413	36	3	is	be	AUX
fsr-3413	36	4	important	important	ADJ
fsr-3413	36	5	as	as	ADP
fsr-3413	36	6	part	part	NOUN
fsr-3413	36	7	of	of	ADP
fsr-3413	36	8	a	a	DET
fsr-3413	36	9	broader	broad	ADJ
fsr-3413	36	10	field	field	NOUN
fsr-3413	36	11	of	of	ADP
fsr-3413	36	12	research	research	NOUN
fsr-3413	36	13	because	because	SCONJ
fsr-3413	36	14	where	where	SCONJ
fsr-3413	36	15	irrational	irrational	ADJ
fsr-3413	36	16	behavior	behavior	NOUN
fsr-3413	36	17	is	be	AUX
fsr-3413	36	18	suboptimal	suboptimal	ADJ
fsr-3413	36	19	behavior	behavior	NOUN
fsr-3413	36	20	,	,	PUNCT
fsr-3413	36	21	if	if	SCONJ
fsr-3413	36	22	we	we	PRON
fsr-3413	36	23	can	can	AUX
fsr-3413	36	24	anticipate	anticipate	VERB
fsr-3413	36	25	it	it	PRON
fsr-3413	36	26	,	,	PUNCT
fsr-3413	36	27	we	we	PRON
fsr-3413	36	28	can	can	AUX
fsr-3413	36	29	construct	construct	VERB
fsr-3413	36	30	environments	environment	NOUN
fsr-3413	36	31	to	to	PART
fsr-3413	36	32	support	support	VERB
fsr-3413	36	33	better	well	ADJ
fsr-3413	36	34	choices	choice	NOUN
fsr-3413	36	35	.	.	PUNCT
fsr-3413	37	1	alternatively	alternatively	ADV
fsr-3413	37	2	,	,	PUNCT
fsr-3413	37	3	by	by	ADP
fsr-3413	37	4	understanding	understand	VERB
fsr-3413	37	5	where	where	SCONJ
fsr-3413	37	6	irrational	irrational	ADJ
fsr-3413	37	7	behavior	behavior	NOUN
fsr-3413	37	8	may	may	AUX
fsr-3413	37	9	occur	occur	VERB
fsr-3413	37	10	,	,	PUNCT
fsr-3413	37	11	policymakers	policymaker	NOUN
fsr-3413	37	12	may	may	AUX
fsr-3413	37	13	be	be	AUX
fsr-3413	37	14	able	able	ADJ
fsr-3413	37	15	to	to	PART
fsr-3413	37	16	provide	provide	VERB
fsr-3413	37	17	alternative	alternative	ADJ
fsr-3413	37	18	choices	choice	NOUN
fsr-3413	37	19	that	that	PRON
fsr-3413	37	20	may	may	AUX
fsr-3413	37	21	result	result	VERB
fsr-3413	37	22	in	in	ADP
fsr-3413	37	23	better	well	ADJ
fsr-3413	37	24	outcomes	outcome	NOUN
fsr-3413	37	25	.	.	PUNCT
fsr-3413	38	1	this	this	DET
fsr-3413	38	2	research	research	NOUN
fsr-3413	38	3	is	be	AUX
fsr-3413	38	4	important	important	ADJ
fsr-3413	38	5	individually	individually	ADV
fsr-3413	38	6	because	because	SCONJ
fsr-3413	38	7	as	as	SCONJ
fsr-3413	38	8	individuals	individual	NOUN
fsr-3413	38	9	better	well	ADV
fsr-3413	38	10	understand	understand	VERB
fsr-3413	38	11	their	their	PRON
fsr-3413	38	12	own	own	ADJ
fsr-3413	38	13	behavior	behavior	NOUN
fsr-3413	38	14	,	,	PUNCT
fsr-3413	38	15	they	they	PRON
fsr-3413	38	16	can	can	AUX
fsr-3413	38	17	reflect	reflect	VERB
fsr-3413	38	18	upon	upon	SCONJ
fsr-3413	38	19	it	it	PRON
fsr-3413	38	20	and	and	CCONJ
fsr-3413	38	21	adjust	adjust	VERB
fsr-3413	38	22	their	their	PRON
fsr-3413	38	23	behavior	behavior	NOUN
fsr-3413	38	24	to	to	PART
fsr-3413	38	25	better	well	ADV
fsr-3413	38	26	achieve	achieve	VERB
fsr-3413	38	27	their	their	PRON
fsr-3413	38	28	goals	goal	NOUN
fsr-3413	38	29	.	.	PUNCT
fsr-3413	39	1	for	for	ADP
fsr-3413	39	2	example	example	NOUN
fsr-3413	39	3	,	,	PUNCT
fsr-3413	39	4	if	if	SCONJ
fsr-3413	39	5	a	a	DET
fsr-3413	39	6	person	person	NOUN
fsr-3413	39	7	knows	know	VERB
fsr-3413	39	8	that	that	SCONJ
fsr-3413	39	9	she	she	PRON
fsr-3413	39	10	generally	generally	ADV
fsr-3413	39	11	receive	receive	VERB
fsr-3413	39	12	a	a	DET
fsr-3413	39	13	tax	tax	NOUN
fsr-3413	39	14	refund	refund	NOUN
fsr-3413	39	15	and	and	CCONJ
fsr-3413	39	16	she	she	PRON
fsr-3413	39	17	is	be	AUX
fsr-3413	39	18	prone	prone	ADJ
fsr-3413	39	19	to	to	PART
fsr-3413	39	20	use	use	VERB
fsr-3413	39	21	such	such	DET
fsr-3413	39	22	a	a	DET
fsr-3413	39	23	windfall	windfall	NOUN
fsr-3413	39	24	for	for	ADP
fsr-3413	39	25	adult	adult	NOUN
fsr-3413	39	26	purposes	purpose	NOUN
fsr-3413	39	27	,	,	PUNCT
fsr-3413	39	28	she	she	PRON
fsr-3413	39	29	can	can	AUX
fsr-3413	39	30	incorporate	incorporate	VERB
fsr-3413	39	31	a	a	DET
fsr-3413	39	32	savings	saving	NOUN
fsr-3413	39	33	plan	plan	NOUN
fsr-3413	39	34	directly	directly	ADV
fsr-3413	39	35	attached	attach	VERB
fsr-3413	39	36	to	to	ADP
fsr-3413	39	37	that	that	DET
fsr-3413	39	38	refund	refund	NOUN
fsr-3413	39	39	that	that	PRON
fsr-3413	39	40	will	will	AUX
fsr-3413	39	41	build	build	VERB
fsr-3413	39	42	her	her	PRON
fsr-3413	39	43	wealth	wealth	NOUN
fsr-3413	39	44	more	more	ADV
fsr-3413	39	45	quickly	quickly	ADV
fsr-3413	39	46	than	than	SCONJ
fsr-3413	39	47	she	she	PRON
fsr-3413	39	48	currently	currently	ADV
fsr-3413	39	49	does	do	VERB
fsr-3413	39	50	.	.	PUNCT
fsr-3413	40	1	2	2	X
fsr-3413	40	2	.	.	X
fsr-3413	40	3	literature	literature	NOUN
fsr-3413	40	4	review	review	PROPN
fsr-3413	40	5	according	accord	VERB
fsr-3413	40	6	to	to	ADP
fsr-3413	40	7	thaler	thaler	PROPN
fsr-3413	40	8	’s	’s	PART
fsr-3413	40	9	(	(	PUNCT
fsr-3413	40	10	1999	1999	NUM
fsr-3413	40	11	)	)	PUNCT
fsr-3413	40	12	mental	mental	ADJ
fsr-3413	40	13	accounting	accounting	NOUN
fsr-3413	40	14	theory	theory	NOUN
fsr-3413	40	15	,	,	PUNCT
fsr-3413	40	16	people	people	NOUN
fsr-3413	40	17	create	create	VERB
fsr-3413	40	18	different	different	ADJ
fsr-3413	40	19	mental	mental	ADJ
fsr-3413	40	20	accounts	account	NOUN
fsr-3413	40	21	like	like	ADP
fsr-3413	40	22	long	long	ADJ
fsr-3413	40	23	-	-	PUNCT
fsr-3413	40	24	term	term	NOUN
fsr-3413	40	25	savings	saving	NOUN
fsr-3413	40	26	and	and	CCONJ
fsr-3413	40	27	have	have	VERB
fsr-3413	40	28	different	different	ADJ
fsr-3413	40	29	marginal	marginal	ADJ
fsr-3413	40	30	propensities	propensity	NOUN
fsr-3413	40	31	to	to	PART
fsr-3413	40	32	consume	consume	VERB
fsr-3413	40	33	from	from	ADP
fsr-3413	40	34	each	each	DET
fsr-3413	40	35	account	account	NOUN
fsr-3413	40	36	.	.	PUNCT
fsr-3413	41	1	academic	academic	ADJ
fsr-3413	41	2	literature	literature	PROPN
fsr-3413	41	3	supports	support	VERB
fsr-3413	41	4	mental	mental	ADJ
fsr-3413	41	5	accounting	accounting	NOUN
fsr-3413	41	6	theory	theory	NOUN
fsr-3413	41	7	from	from	ADP
fsr-3413	41	8	a	a	DET
fsr-3413	41	9	regular	regular	ADJ
fsr-3413	41	10	income	income	NOUN
fsr-3413	41	11	flow	flow	NOUN
fsr-3413	41	12	or	or	CCONJ
fsr-3413	41	13	from	from	ADP
fsr-3413	41	14	an	an	DET
fsr-3413	41	15	irregular	irregular	ADJ
fsr-3413	41	16	,	,	PUNCT
fsr-3413	41	17	lump	lump	NOUN
fsr-3413	41	18	-	-	PUNCT
fsr-3413	41	19	sum	sum	NOUN
fsr-3413	41	20	,	,	PUNCT
fsr-3413	41	21	windfall	windfall	NOUN
fsr-3413	41	22	(	(	PUNCT
fsr-3413	41	23	adamopoulou	adamopoulou	ADJ
fsr-3413	41	24	and	and	CCONJ
fsr-3413	41	25	zizza	zizza	PROPN
fsr-3413	41	26	,	,	PUNCT
fsr-3413	41	27	2017	2017	NUM
fsr-3413	41	28	;	;	PUNCT
fsr-3413	41	29	johnson	johnson	PROPN
fsr-3413	41	30	et	et	PROPN
fsr-3413	41	31	al	al	PROPN
fsr-3413	41	32	.	.	PROPN
fsr-3413	41	33	,	,	PUNCT
fsr-3413	41	34	2006	2006	NUM
fsr-3413	41	35	;	;	PUNCT
fsr-3413	41	36	o’curry	o’curry	PROPN
fsr-3413	41	37	,	,	PUNCT
fsr-3413	41	38	1999	1999	NUM
fsr-3413	41	39	;	;	PUNCT
fsr-3413	41	40	souleles	soulele	NOUN
fsr-3413	41	41	,	,	PUNCT
fsr-3413	41	42	2002	2002	NUM
fsr-3413	41	43	)	)	PUNCT
fsr-3413	41	44	,	,	PUNCT
fsr-3413	41	45	and	and	CCONJ
fsr-3413	41	46	supports	support	VERB
fsr-3413	41	47	the	the	DET
fsr-3413	41	48	periodic	periodic	ADJ
fsr-3413	41	49	reconciliation	reconciliation	NOUN
fsr-3413	41	50	of	of	ADP
fsr-3413	41	51	18	18	NUM
fsr-3413	41	52	e.	e.	PROPN
fsr-3413	41	53	bland	bland	PROPN
fsr-3413	41	54	,	,	PUNCT
fsr-3413	41	55	v.	v.	ADP
fsr-3413	41	56	chambers	chambers	PROPN
fsr-3413	41	57	/	/	SYM
fsr-3413	41	58	financial	financial	ADJ
fsr-3413	41	59	services	service	NOUN
fsr-3413	41	60	review	review	VERB
fsr-3413	41	61	28	28	NUM
fsr-3413	41	62	(	(	PUNCT
fsr-3413	41	63	2020	2020	NUM
fsr-3413	41	64	)	)	PUNCT
fsr-3413	42	1	17	17	NUM
fsr-3413	42	2	-	-	SYM
fsr-3413	42	3	34	34	NUM
fsr-3413	42	4	people	people	NOUN
fsr-3413	42	5	’s	’s	PART
fsr-3413	42	6	mental	mental	ADJ
fsr-3413	42	7	accounts	account	NOUN
fsr-3413	42	8	for	for	ADP
fsr-3413	42	9	income	income	NOUN
fsr-3413	42	10	and	and	CCONJ
fsr-3413	42	11	expense	expense	NOUN
fsr-3413	42	12	(	(	PUNCT
fsr-3413	42	13	camerer	camer	ADJ
fsr-3413	42	14	et	et	NOUN
fsr-3413	42	15	al	al	PROPN
fsr-3413	42	16	.	.	PROPN
fsr-3413	42	17	,	,	PUNCT
fsr-3413	42	18	1997	1997	NUM
fsr-3413	42	19	;	;	PUNCT
fsr-3413	42	20	heath	heath	PROPN
fsr-3413	42	21	and	and	CCONJ
fsr-3413	42	22	soll	soll	PROPN
fsr-3413	42	23	,	,	PUNCT
fsr-3413	42	24	1996	1996	NUM
fsr-3413	42	25	;	;	PUNCT
fsr-3413	42	26	read	read	VERB
fsr-3413	42	27	et	et	PROPN
fsr-3413	42	28	al	al	PROPN
fsr-3413	42	29	.	.	PROPN
fsr-3413	42	30	,	,	PUNCT
fsr-3413	42	31	1999	1999	NUM
fsr-3413	42	32	;	;	PUNCT
fsr-3413	42	33	rizzo	rizzo	PROPN
fsr-3413	42	34	and	and	CCONJ
fsr-3413	42	35	zeckhauser	zeckhauser	NOUN
fsr-3413	42	36	,	,	PUNCT
fsr-3413	42	37	2003	2003	NUM
fsr-3413	42	38	)	)	PUNCT
fsr-3413	42	39	.	.	PUNCT
fsr-3413	43	1	characteristics	characteristic	NOUN
fsr-3413	43	2	of	of	ADP
fsr-3413	43	3	the	the	DET
fsr-3413	43	4	use	use	NOUN
fsr-3413	43	5	of	of	ADP
fsr-3413	43	6	mental	mental	ADJ
fsr-3413	43	7	accounts	account	NOUN
fsr-3413	43	8	have	have	AUX
fsr-3413	43	9	been	be	AUX
fsr-3413	43	10	studied	study	VERB
fsr-3413	43	11	by	by	ADP
fsr-3413	43	12	karlsson	karlsson	PROPN
fsr-3413	43	13	et	et	PROPN
fsr-3413	43	14	al	al	PROPN
fsr-3413	43	15	.	.	PROPN
fsr-3413	44	1	(	(	PUNCT
fsr-3413	44	2	1999	1999	NUM
fsr-3413	44	3	)	)	PUNCT
fsr-3413	44	4	,	,	PUNCT
fsr-3413	44	5	who	who	PRON
fsr-3413	44	6	reported	report	VERB
fsr-3413	44	7	that	that	SCONJ
fsr-3413	44	8	cash	cash	NOUN
fsr-3413	44	9	spending	spending	NOUN
fsr-3413	44	10	on	on	ADP
fsr-3413	44	11	a	a	DET
fsr-3413	44	12	durable	durable	ADJ
fsr-3413	44	13	good	good	NOUN
fsr-3413	44	14	depended	depend	VERB
fsr-3413	44	15	on	on	ADP
fsr-3413	44	16	compatible	compatible	ADJ
fsr-3413	44	17	reasons	reason	NOUN
fsr-3413	44	18	for	for	ADP
fsr-3413	44	19	saving	save	VERB
fsr-3413	44	20	.	.	PUNCT
fsr-3413	45	1	abeler	abeler	NOUN
fsr-3413	45	2	and	and	CCONJ
fsr-3413	45	3	marklein	marklein	PROPN
fsr-3413	45	4	(	(	PUNCT
fsr-3413	45	5	2016	2016	NUM
fsr-3413	45	6	)	)	PUNCT
fsr-3413	45	7	and	and	CCONJ
fsr-3413	45	8	benjamin	benjamin	PROPN
fsr-3413	45	9	(	(	PUNCT
fsr-3413	45	10	2006	2006	NUM
fsr-3413	45	11	)	)	PUNCT
fsr-3413	45	12	found	find	VERB
fsr-3413	45	13	that	that	SCONJ
fsr-3413	45	14	math	math	NOUN
fsr-3413	45	15	aptitude	aptitude	NOUN
fsr-3413	45	16	affects	affect	VERB
fsr-3413	45	17	mental	mental	ADJ
fsr-3413	45	18	budgeting	budgeting	NOUN
fsr-3413	45	19	,	,	PUNCT
fsr-3413	45	20	and	and	CCONJ
fsr-3413	45	21	cheema	cheema	PROPN
fsr-3413	45	22	and	and	CCONJ
fsr-3413	45	23	soman	soman	NOUN
fsr-3413	45	24	(	(	PUNCT
fsr-3413	45	25	2006	2006	NUM
fsr-3413	45	26	)	)	PUNCT
fsr-3413	45	27	and	and	CCONJ
fsr-3413	45	28	wertenbroch	wertenbroch	NOUN
fsr-3413	45	29	(	(	PUNCT
fsr-3413	45	30	2001	2001	NUM
fsr-3413	45	31	)	)	PUNCT
fsr-3413	45	32	,	,	PUNCT
fsr-3413	45	33	concluded	conclude	VERB
fsr-3413	45	34	that	that	SCONJ
fsr-3413	45	35	mental	mental	ADJ
fsr-3413	45	36	budgeting	budgeting	NOUN
fsr-3413	45	37	was	be	AUX
fsr-3413	45	38	a	a	DET
fsr-3413	45	39	matter	matter	NOUN
fsr-3413	45	40	of	of	ADP
fsr-3413	45	41	self	self	NOUN
fsr-3413	45	42	-	-	PUNCT
fsr-3413	45	43	control	control	NOUN
fsr-3413	45	44	.	.	PUNCT
fsr-3413	46	1	arkes	arke	NOUN
fsr-3413	46	2	et	et	PROPN
fsr-3413	46	3	al	al	PROPN
fsr-3413	46	4	.	.	PROPN
fsr-3413	47	1	(	(	PUNCT
fsr-3413	47	2	1994	1994	NUM
fsr-3413	47	3	)	)	PUNCT
fsr-3413	47	4	found	find	VERB
fsr-3413	47	5	that	that	SCONJ
fsr-3413	47	6	a	a	DET
fsr-3413	47	7	greater	great	ADJ
fsr-3413	47	8	percentage	percentage	NOUN
fsr-3413	47	9	of	of	ADP
fsr-3413	47	10	a	a	DET
fsr-3413	47	11	small	small	ADJ
fsr-3413	47	12	windfall	windfall	NOUN
fsr-3413	47	13	was	be	AUX
fsr-3413	47	14	spent	spend	VERB
fsr-3413	47	15	than	than	ADP
fsr-3413	47	16	that	that	PRON
fsr-3413	47	17	from	from	ADP
fsr-3413	47	18	the	the	DET
fsr-3413	47	19	same	same	ADJ
fsr-3413	47	20	amount	amount	NOUN
fsr-3413	47	21	of	of	ADP
fsr-3413	47	22	anticipated	anticipate	VERB
fsr-3413	47	23	ordinary	ordinary	ADJ
fsr-3413	47	24	income	income	NOUN
fsr-3413	47	25	,	,	PUNCT
fsr-3413	47	26	indicating	indicate	VERB
fsr-3413	47	27	that	that	SCONJ
fsr-3413	47	28	foreknowledge	foreknowledge	NOUN
fsr-3413	47	29	of	of	ADP
fsr-3413	47	30	income	income	NOUN
fsr-3413	47	31	is	be	AUX
fsr-3413	47	32	a	a	DET
fsr-3413	47	33	factor	factor	NOUN
fsr-3413	47	34	in	in	ADP
fsr-3413	47	35	saving	saving	NOUN
fsr-3413	47	36	,	,	PUNCT
fsr-3413	47	37	supporting	support	VERB
fsr-3413	47	38	the	the	DET
fsr-3413	47	39	findings	finding	NOUN
fsr-3413	47	40	of	of	ADP
fsr-3413	47	41	rucker	rucker	PROPN
fsr-3413	47	42	(	(	PUNCT
fsr-3413	47	43	1984	1984	NUM
fsr-3413	47	44	)	)	PUNCT
fsr-3413	47	45	and	and	CCONJ
fsr-3413	47	46	consistent	consistent	ADJ
fsr-3413	47	47	with	with	ADP
fsr-3413	47	48	the	the	DET
fsr-3413	47	49	findings	finding	NOUN
fsr-3413	47	50	of	of	ADP
fsr-3413	47	51	karlsson	karlsson	PROPN
fsr-3413	47	52	et	et	PROPN
fsr-3413	47	53	al	al	PROPN
fsr-3413	47	54	.	.	PROPN
fsr-3413	48	1	(	(	PUNCT
fsr-3413	48	2	1999	1999	NUM
fsr-3413	48	3	)	)	PUNCT
fsr-3413	48	4	.	.	PUNCT
fsr-3413	49	1	trump	trump	VERB
fsr-3413	49	2	et	et	PROPN
fsr-3413	49	3	al	al	PROPN
fsr-3413	49	4	.	.	PROPN
fsr-3413	50	1	(	(	PUNCT
fsr-3413	50	2	2015	2015	NUM
fsr-3413	50	3	)	)	PUNCT
fsr-3413	50	4	found	find	VERB
fsr-3413	50	5	that	that	SCONJ
fsr-3413	50	6	individuals	individual	NOUN
fsr-3413	50	7	made	make	VERB
fsr-3413	50	8	riskier	risky	ADJ
fsr-3413	50	9	choices	choice	NOUN
fsr-3413	50	10	with	with	ADP
fsr-3413	50	11	a	a	DET
fsr-3413	50	12	stranger	stranger	NOUN
fsr-3413	50	13	’s	’s	PART
fsr-3413	50	14	money	money	NOUN
fsr-3413	50	15	than	than	ADP
fsr-3413	50	16	with	with	ADP
fsr-3413	50	17	a	a	DET
fsr-3413	50	18	friend	friend	NOUN
fsr-3413	50	19	’s	’s	PART
fsr-3413	50	20	money	money	NOUN
fsr-3413	50	21	.	.	PUNCT
fsr-3413	51	1	whether	whether	SCONJ
fsr-3413	51	2	income	income	NOUN
fsr-3413	51	3	was	be	AUX
fsr-3413	51	4	earned	earn	VERB
fsr-3413	51	5	affected	affect	VERB
fsr-3413	51	6	how	how	SCONJ
fsr-3413	51	7	compliant	compliant	ADJ
fsr-3413	51	8	taxpayers	taxpayer	NOUN
fsr-3413	51	9	were	be	AUX
fsr-3413	51	10	after	after	ADP
fsr-3413	51	11	a	a	DET
fsr-3413	51	12	tax	tax	NOUN
fsr-3413	51	13	audit	audit	NOUN
fsr-3413	51	14	(	(	PUNCT
fsr-3413	51	15	boylan	boylan	PROPN
fsr-3413	51	16	,	,	PUNCT
fsr-3413	51	17	2010	2010	NUM
fsr-3413	51	18	)	)	PUNCT
fsr-3413	51	19	,	,	PUNCT
fsr-3413	51	20	and	and	CCONJ
fsr-3413	51	21	whether	whether	SCONJ
fsr-3413	51	22	earned	earn	VERB
fsr-3413	51	23	income	income	NOUN
fsr-3413	51	24	was	be	AUX
fsr-3413	51	25	a	a	DET
fsr-3413	51	26	windfall	windfall	NOUN
fsr-3413	51	27	or	or	CCONJ
fsr-3413	51	28	restores	restore	VERB
fsr-3413	51	29	a	a	DET
fsr-3413	51	30	status	status	NOUN
fsr-3413	51	31	quo	quo	NOUN
fsr-3413	51	32	was	be	AUX
fsr-3413	51	33	found	find	VERB
fsr-3413	51	34	to	to	PART
fsr-3413	51	35	be	be	AUX
fsr-3413	51	36	significant	significant	ADJ
fsr-3413	51	37	(	(	PUNCT
fsr-3413	51	38	agarwal	agarwal	PROPN
fsr-3413	51	39	and	and	CCONJ
fsr-3413	51	40	qian	qian	PROPN
fsr-3413	51	41	,	,	PUNCT
fsr-3413	51	42	2014	2014	NUM
fsr-3413	51	43	;	;	PUNCT
fsr-3413	51	44	epley	epley	PROPN
fsr-3413	51	45	and	and	CCONJ
fsr-3413	51	46	gneezy	gneezy	NOUN
fsr-3413	51	47	,	,	PUNCT
fsr-3413	51	48	2007	2007	NUM
fsr-3413	51	49	)	)	PUNCT
fsr-3413	51	50	.	.	PUNCT
fsr-3413	52	1	the	the	DET
fsr-3413	52	2	size	size	NOUN
fsr-3413	52	3	of	of	ADP
fsr-3413	52	4	the	the	DET
fsr-3413	52	5	income	income	NOUN
fsr-3413	52	6	can	can	AUX
fsr-3413	52	7	also	also	ADV
fsr-3413	52	8	be	be	AUX
fsr-3413	52	9	significant	significant	ADJ
fsr-3413	52	10	.	.	PUNCT
fsr-3413	53	1	rucker	rucker	PROPN
fsr-3413	53	2	(	(	PUNCT
fsr-3413	53	3	1984	1984	NUM
fsr-3413	53	4	)	)	PUNCT
fsr-3413	53	5	studied	study	VERB
fsr-3413	53	6	the	the	DET
fsr-3413	53	7	retroactive	retroactive	ADJ
fsr-3413	53	8	payment	payment	NOUN
fsr-3413	53	9	of	of	ADP
fsr-3413	53	10	a	a	DET
fsr-3413	53	11	raise	raise	NOUN
fsr-3413	53	12	approved	approve	VERB
fsr-3413	53	13	by	by	ADP
fsr-3413	53	14	a	a	DET
fsr-3413	53	15	university	university	NOUN
fsr-3413	53	16	,	,	PUNCT
fsr-3413	53	17	reversed	reverse	VERB
fsr-3413	53	18	by	by	ADP
fsr-3413	53	19	the	the	DET
fsr-3413	53	20	federal	federal	ADJ
fsr-3413	53	21	pay	pay	NOUN
fsr-3413	53	22	board	board	NOUN
fsr-3413	53	23	but	but	CCONJ
fsr-3413	53	24	then	then	ADV
fsr-3413	53	25	reinstated	reinstate	VERB
fsr-3413	53	26	by	by	ADP
fsr-3413	53	27	the	the	DET
fsr-3413	53	28	u.s	u.s	PROPN
fsr-3413	53	29	.	.	PROPN
fsr-3413	53	30	supreme	supreme	PROPN
fsr-3413	53	31	court	court	PROPN
fsr-3413	53	32	and	and	CCONJ
fsr-3413	53	33	found	find	VERB
fsr-3413	53	34	that	that	SCONJ
fsr-3413	53	35	the	the	DET
fsr-3413	53	36	size	size	NOUN
fsr-3413	53	37	of	of	ADP
fsr-3413	53	38	the	the	DET
fsr-3413	53	39	windfall	windfall	NOUN
fsr-3413	53	40	was	be	AUX
fsr-3413	53	41	the	the	DET
fsr-3413	53	42	most	most	ADV
fsr-3413	53	43	important	important	ADJ
fsr-3413	53	44	factor	factor	NOUN
fsr-3413	53	45	for	for	ADP
fsr-3413	53	46	deciding	decide	VERB
fsr-3413	53	47	how	how	SCONJ
fsr-3413	53	48	the	the	DET
fsr-3413	53	49	funds	fund	NOUN
fsr-3413	53	50	were	be	AUX
fsr-3413	53	51	used	use	VERB
fsr-3413	53	52	,	,	PUNCT
fsr-3413	53	53	although	although	SCONJ
fsr-3413	53	54	the	the	DET
fsr-3413	53	55	length	length	NOUN
fsr-3413	53	56	of	of	ADP
fsr-3413	53	57	time	time	NOUN
fsr-3413	53	58	that	that	PRON
fsr-3413	53	59	the	the	DET
fsr-3413	53	60	recipient	recipient	NOUN
fsr-3413	53	61	had	have	VERB
fsr-3413	53	62	to	to	PART
fsr-3413	53	63	anticipate	anticipate	VERB
fsr-3413	53	64	the	the	DET
fsr-3413	53	65	income	income	NOUN
fsr-3413	53	66	was	be	AUX
fsr-3413	53	67	also	also	ADV
fsr-3413	53	68	significant	significant	ADJ
fsr-3413	53	69	.	.	PUNCT
fsr-3413	54	1	chambers	chamber	NOUN
fsr-3413	54	2	et	et	PROPN
fsr-3413	54	3	al	al	PROPN
fsr-3413	54	4	.	.	PROPN
fsr-3413	55	1	(	(	PUNCT
fsr-3413	55	2	2009	2009	NUM
fsr-3413	55	3	)	)	PUNCT
fsr-3413	55	4	studied	study	VERB
fsr-3413	55	5	responses	response	NOUN
fsr-3413	55	6	to	to	ADP
fsr-3413	55	7	small	small	ADJ
fsr-3413	55	8	hypothetical	hypothetical	ADJ
fsr-3413	55	9	tax	tax	NOUN
fsr-3413	55	10	rebates	rebate	NOUN
fsr-3413	55	11	and	and	CCONJ
fsr-3413	55	12	found	find	VERB
fsr-3413	55	13	that	that	SCONJ
fsr-3413	55	14	at	at	ADP
fsr-3413	55	15	some	some	DET
fsr-3413	55	16	amount	amount	NOUN
fsr-3413	55	17	over	over	ADP
fsr-3413	55	18	$	$	SYM
fsr-3413	55	19	600	600	NUM
fsr-3413	55	20	,	,	PUNCT
fsr-3413	55	21	materiality	materiality	NOUN
fsr-3413	55	22	was	be	AUX
fsr-3413	55	23	significant	significant	ADJ
fsr-3413	55	24	in	in	ADP
fsr-3413	55	25	how	how	SCONJ
fsr-3413	55	26	the	the	DET
fsr-3413	55	27	money	money	NOUN
fsr-3413	55	28	would	would	AUX
fsr-3413	55	29	be	be	AUX
fsr-3413	55	30	used	use	VERB
fsr-3413	55	31	.	.	PUNCT
fsr-3413	56	1	karlsson	karlsson	PROPN
fsr-3413	56	2	et	et	PROPN
fsr-3413	56	3	al	al	PROPN
fsr-3413	56	4	.	.	PROPN
fsr-3413	56	5	(	(	PUNCT
fsr-3413	56	6	1999	1999	NUM
fsr-3413	56	7	)	)	PUNCT
fsr-3413	56	8	noted	note	VERB
fsr-3413	56	9	that	that	SCONJ
fsr-3413	56	10	individuals	individual	NOUN
fsr-3413	56	11	considered	consider	VERB
fsr-3413	56	12	the	the	DET
fsr-3413	56	13	future	future	ADJ
fsr-3413	56	14	consequences	consequence	NOUN
fsr-3413	56	15	of	of	ADP
fsr-3413	56	16	spending	spend	VERB
fsr-3413	56	17	in	in	ADP
fsr-3413	56	18	their	their	PRON
fsr-3413	56	19	mental	mental	ADJ
fsr-3413	56	20	budgeting	budgeting	NOUN
fsr-3413	56	21	,	,	PUNCT
fsr-3413	56	22	indicating	indicate	VERB
fsr-3413	56	23	that	that	SCONJ
fsr-3413	56	24	the	the	DET
fsr-3413	56	25	permanence	permanence	NOUN
fsr-3413	56	26	of	of	ADP
fsr-3413	56	27	the	the	DET
fsr-3413	56	28	income	income	NOUN
fsr-3413	56	29	might	might	AUX
fsr-3413	56	30	be	be	AUX
fsr-3413	56	31	significant	significant	ADJ
fsr-3413	56	32	.	.	PUNCT
fsr-3413	57	1	friedman	friedman	PROPN
fsr-3413	57	2	’s	’s	PART
fsr-3413	57	3	(	(	PUNCT
fsr-3413	57	4	1957	1957	NUM
fsr-3413	57	5	)	)	PUNCT
fsr-3413	57	6	permanent	permanent	ADJ
fsr-3413	57	7	income	income	NOUN
fsr-3413	57	8	hypothesis	hypothesis	NOUN
fsr-3413	57	9	says	say	VERB
fsr-3413	57	10	that	that	SCONJ
fsr-3413	57	11	people	people	NOUN
fsr-3413	57	12	will	will	AUX
fsr-3413	57	13	spend	spend	VERB
fsr-3413	57	14	money	money	NOUN
fsr-3413	57	15	consistent	consistent	ADJ
fsr-3413	57	16	with	with	ADP
fsr-3413	57	17	their	their	PRON
fsr-3413	57	18	perceived	perceive	VERB
fsr-3413	57	19	permanent	permanent	ADJ
fsr-3413	57	20	income	income	NOUN
fsr-3413	57	21	level	level	NOUN
fsr-3413	57	22	.	.	PUNCT
fsr-3413	58	1	similarly	similarly	ADV
fsr-3413	58	2	,	,	PUNCT
fsr-3413	58	3	blinder	blinder	NOUN
fsr-3413	58	4	(	(	PUNCT
fsr-3413	58	5	1981	1981	NUM
fsr-3413	58	6	)	)	PUNCT
fsr-3413	58	7	posited	posit	VERB
fsr-3413	58	8	that	that	SCONJ
fsr-3413	58	9	a	a	DET
fsr-3413	58	10	permanent	permanent	ADJ
fsr-3413	58	11	tax	tax	NOUN
fsr-3413	58	12	decrease	decrease	NOUN
fsr-3413	58	13	would	would	AUX
fsr-3413	58	14	elicit	elicit	VERB
fsr-3413	58	15	more	more	ADJ
fsr-3413	58	16	spending	spending	NOUN
fsr-3413	58	17	than	than	ADP
fsr-3413	58	18	a	a	DET
fsr-3413	58	19	temporary	temporary	ADJ
fsr-3413	58	20	tax	tax	NOUN
fsr-3413	58	21	cut	cut	NOUN
fsr-3413	58	22	.	.	PUNCT
fsr-3413	59	1	parker	parker	PROPN
fsr-3413	59	2	(	(	PUNCT
fsr-3413	59	3	1999	1999	NUM
fsr-3413	59	4	)	)	PUNCT
fsr-3413	59	5	found	find	VERB
fsr-3413	59	6	that	that	SCONJ
fsr-3413	59	7	a	a	DET
fsr-3413	59	8	temporary	temporary	ADJ
fsr-3413	59	9	,	,	PUNCT
fsr-3413	59	10	end	end	NOUN
fsr-3413	59	11	-	-	PUNCT
fsr-3413	59	12	of	of	ADP
fsr-3413	59	13	-	-	PUNCT
fsr-3413	59	14	year	year	NOUN
fsr-3413	59	15	reduction	reduction	NOUN
fsr-3413	59	16	in	in	ADP
fsr-3413	59	17	the	the	DET
fsr-3413	59	18	social	social	ADJ
fsr-3413	59	19	security	security	NOUN
fsr-3413	59	20	tax	tax	NOUN
fsr-3413	59	21	for	for	ADP
fsr-3413	59	22	high	high	ADJ
fsr-3413	59	23	-	-	PUNCT
fsr-3413	59	24	income	income	NOUN
fsr-3413	59	25	wage	wage	NOUN
fsr-3413	59	26	earners	earner	NOUN
fsr-3413	59	27	was	be	AUX
fsr-3413	59	28	spent	spend	VERB
fsr-3413	59	29	when	when	SCONJ
fsr-3413	59	30	received	receive	VERB
fsr-3413	59	31	,	,	PUNCT
fsr-3413	59	32	not	not	PART
fsr-3413	59	33	averaged	average	VERB
fsr-3413	59	34	evenly	evenly	ADV
fsr-3413	59	35	over	over	ADP
fsr-3413	59	36	the	the	DET
fsr-3413	59	37	fiscal	fiscal	ADJ
fsr-3413	59	38	year	year	NOUN
fsr-3413	59	39	.	.	PUNCT
fsr-3413	60	1	hsieh	hsieh	PROPN
fsr-3413	60	2	(	(	PUNCT
fsr-3413	60	3	2003	2003	NUM
fsr-3413	60	4	)	)	PUNCT
fsr-3413	60	5	studied	study	VERB
fsr-3413	60	6	large	large	ADJ
fsr-3413	60	7	,	,	PUNCT
fsr-3413	60	8	regular	regular	ADJ
fsr-3413	60	9	bonuses	bonus	NOUN
fsr-3413	60	10	associated	associate	VERB
fsr-3413	60	11	with	with	ADP
fsr-3413	60	12	the	the	DET
fsr-3413	60	13	annual	annual	ADJ
fsr-3413	60	14	alaska	alaska	NOUN
fsr-3413	60	15	permanent	permanent	ADJ
fsr-3413	60	16	fund	fund	NOUN
fsr-3413	60	17	payment	payment	NOUN
fsr-3413	60	18	,	,	PUNCT
fsr-3413	60	19	which	which	PRON
fsr-3413	60	20	was	be	AUX
fsr-3413	60	21	fully	fully	ADV
fsr-3413	60	22	anticipated	anticipate	VERB
fsr-3413	60	23	and	and	CCONJ
fsr-3413	60	24	found	find	VERB
fsr-3413	60	25	no	no	DET
fsr-3413	60	26	spike	spike	NOUN
fsr-3413	60	27	in	in	ADP
fsr-3413	60	28	consumption	consumption	NOUN
fsr-3413	60	29	.	.	PUNCT
fsr-3413	61	1	however	however	ADV
fsr-3413	61	2	,	,	PUNCT
fsr-3413	61	3	consumption	consumption	NOUN
fsr-3413	61	4	by	by	ADP
fsr-3413	61	5	the	the	DET
fsr-3413	61	6	same	same	ADJ
fsr-3413	61	7	households	household	NOUN
fsr-3413	61	8	was	be	AUX
fsr-3413	61	9	very	very	ADV
fsr-3413	61	10	responsive	responsive	ADJ
fsr-3413	61	11	to	to	ADP
fsr-3413	61	12	income	income	VERB
fsr-3413	61	13	tax	tax	NOUN
fsr-3413	61	14	refunds	refund	NOUN
fsr-3413	61	15	,	,	PUNCT
fsr-3413	61	16	suggesting	suggest	VERB
fsr-3413	61	17	that	that	SCONJ
fsr-3413	61	18	predictable	predictable	ADJ
fsr-3413	61	19	and	and	CCONJ
fsr-3413	61	20	regular	regular	ADJ
fsr-3413	61	21	payments	payment	NOUN
fsr-3413	61	22	are	be	AUX
fsr-3413	61	23	built	build	VERB
fsr-3413	61	24	into	into	ADP
fsr-3413	61	25	consumption	consumption	NOUN
fsr-3413	61	26	decisions	decision	NOUN
fsr-3413	61	27	(	(	PUNCT
fsr-3413	61	28	hsieh	hsieh	PROPN
fsr-3413	61	29	,	,	PUNCT
fsr-3413	61	30	2003	2003	NUM
fsr-3413	61	31	)	)	PUNCT
fsr-3413	61	32	.	.	PUNCT
fsr-3413	62	1	browning	browning	NOUN
fsr-3413	62	2	and	and	CCONJ
fsr-3413	62	3	collado	collado	NOUN
fsr-3413	62	4	(	(	PUNCT
fsr-3413	62	5	2001	2001	NUM
fsr-3413	62	6	)	)	PUNCT
fsr-3413	62	7	studied	study	VERB
fsr-3413	62	8	spanish	spanish	ADJ
fsr-3413	62	9	panel	panel	NOUN
fsr-3413	62	10	data	datum	NOUN
fsr-3413	62	11	to	to	PART
fsr-3413	62	12	measure	measure	VERB
fsr-3413	62	13	the	the	DET
fsr-3413	62	14	effect	effect	NOUN
fsr-3413	62	15	of	of	ADP
fsr-3413	62	16	customary	customary	ADJ
fsr-3413	62	17	,	,	PUNCT
fsr-3413	62	18	predictable	predictable	ADJ
fsr-3413	62	19	bonus	bonus	NOUN
fsr-3413	62	20	payments	payment	NOUN
fsr-3413	62	21	and	and	CCONJ
fsr-3413	62	22	like	like	ADP
fsr-3413	62	23	hsieh	hsieh	PROPN
fsr-3413	62	24	(	(	PUNCT
fsr-3413	62	25	2003	2003	NUM
fsr-3413	62	26	)	)	PUNCT
fsr-3413	62	27	,	,	PUNCT
fsr-3413	62	28	did	do	AUX
fsr-3413	62	29	not	not	PART
fsr-3413	62	30	find	find	VERB
fsr-3413	62	31	changes	change	NOUN
fsr-3413	62	32	in	in	ADP
fsr-3413	62	33	consumption	consumption	NOUN
fsr-3413	62	34	.	.	PUNCT
fsr-3413	63	1	in	in	ADP
fsr-3413	63	2	contrast	contrast	NOUN
fsr-3413	63	3	,	,	PUNCT
fsr-3413	63	4	studies	study	NOUN
fsr-3413	63	5	of	of	ADP
fsr-3413	63	6	the	the	DET
fsr-3413	63	7	spending	spending	NOUN
fsr-3413	63	8	from	from	ADP
fsr-3413	63	9	nonrecurring	nonrecurre	VERB
fsr-3413	63	10	,	,	PUNCT
fsr-3413	63	11	nonpermanent	nonpermanent	ADJ
fsr-3413	63	12	sources	source	NOUN
fsr-3413	63	13	of	of	ADP
fsr-3413	63	14	income	income	NOUN
fsr-3413	63	15	are	be	AUX
fsr-3413	63	16	fairly	fairly	ADV
fsr-3413	63	17	rare	rare	ADJ
fsr-3413	63	18	.	.	PUNCT
fsr-3413	64	1	bodkin	bodkin	NOUN
fsr-3413	64	2	(	(	PUNCT
fsr-3413	64	3	1959	1959	NUM
fsr-3413	64	4	)	)	PUNCT
fsr-3413	64	5	estimated	estimate	VERB
fsr-3413	64	6	the	the	DET
fsr-3413	64	7	marginal	marginal	ADJ
fsr-3413	64	8	propensity	propensity	NOUN
fsr-3413	64	9	to	to	PART
fsr-3413	64	10	consume	consume	VERB
fsr-3413	64	11	from	from	ADP
fsr-3413	64	12	a	a	DET
fsr-3413	64	13	one	one	NUM
fsr-3413	64	14	-	-	PUNCT
fsr-3413	64	15	time	time	NOUN
fsr-3413	64	16	dividend	dividend	NOUN
fsr-3413	64	17	paid	pay	VERB
fsr-3413	64	18	in	in	ADP
fsr-3413	64	19	1950	1950	NUM
fsr-3413	64	20	to	to	ADP
fsr-3413	64	21	world	world	PROPN
fsr-3413	64	22	war	war	PROPN
fsr-3413	64	23	ii	ii	PROPN
fsr-3413	64	24	veterans	veteran	NOUN
fsr-3413	64	25	by	by	ADP
fsr-3413	64	26	the	the	DET
fsr-3413	64	27	national	national	PROPN
fsr-3413	64	28	service	service	PROPN
fsr-3413	64	29	life	life	NOUN
fsr-3413	64	30	insurance	insurance	NOUN
fsr-3413	64	31	to	to	PART
fsr-3413	64	32	be	be	AUX
fsr-3413	64	33	between	between	ADP
fsr-3413	64	34	0.72	0.72	NUM
fsr-3413	64	35	and	and	CCONJ
fsr-3413	64	36	0.97	0.97	NUM
fsr-3413	64	37	.	.	PUNCT
fsr-3413	65	1	kreinin	kreinin	PROPN
fsr-3413	65	2	(	(	PUNCT
fsr-3413	65	3	1961	1961	NUM
fsr-3413	65	4	)	)	PUNCT
fsr-3413	65	5	analyzed	analyze	VERB
fsr-3413	65	6	the	the	DET
fsr-3413	65	7	consumption	consumption	NOUN
fsr-3413	65	8	of	of	ADP
fsr-3413	65	9	a	a	DET
fsr-3413	65	10	sample	sample	NOUN
fsr-3413	65	11	of	of	ADP
fsr-3413	65	12	israeli	israeli	ADJ
fsr-3413	65	13	citizens	citizen	NOUN
fsr-3413	65	14	receiving	receive	VERB
fsr-3413	65	15	restitution	restitution	NOUN
fsr-3413	65	16	payments	payment	NOUN
fsr-3413	65	17	from	from	ADP
fsr-3413	65	18	germany	germany	PROPN
fsr-3413	65	19	in	in	ADP
fsr-3413	65	20	1957	1957	NUM
fsr-3413	65	21	and	and	CCONJ
fsr-3413	65	22	1958	1958	NUM
fsr-3413	65	23	and	and	CCONJ
fsr-3413	65	24	estimated	estimate	VERB
fsr-3413	65	25	that	that	SCONJ
fsr-3413	65	26	35	35	NUM
fsr-3413	65	27	%	%	NOUN
fsr-3413	65	28	was	be	AUX
fsr-3413	65	29	spent	spend	VERB
fsr-3413	65	30	.	.	PUNCT
fsr-3413	66	1	shapiro	shapiro	PROPN
fsr-3413	66	2	and	and	CCONJ
fsr-3413	66	3	slemrod	slemrod	NOUN
fsr-3413	66	4	(	(	PUNCT
fsr-3413	66	5	1995	1995	NUM
fsr-3413	66	6	)	)	PUNCT
fsr-3413	66	7	found	find	VERB
fsr-3413	66	8	that	that	SCONJ
fsr-3413	66	9	almost	almost	ADV
fsr-3413	66	10	half	half	NOUN
fsr-3413	66	11	of	of	ADP
fsr-3413	66	12	the	the	DET
fsr-3413	66	13	respondents	respondent	NOUN
fsr-3413	66	14	receiving	receive	VERB
fsr-3413	66	15	decreased	decrease	VERB
fsr-3413	66	16	periodic	periodic	ADJ
fsr-3413	66	17	tax	tax	NOUN
fsr-3413	66	18	withholding	withholding	NOUN
fsr-3413	66	19	refunds	refund	NOUN
fsr-3413	66	20	in	in	ADP
fsr-3413	66	21	1992	1992	NUM
fsr-3413	66	22	would	would	AUX
fsr-3413	66	23	spend	spend	VERB
fsr-3413	66	24	them	they	PRON
fsr-3413	66	25	,	,	PUNCT
fsr-3413	66	26	even	even	ADV
fsr-3413	66	27	though	though	SCONJ
fsr-3413	66	28	the	the	DET
fsr-3413	66	29	total	total	ADJ
fsr-3413	66	30	yearly	yearly	ADJ
fsr-3413	66	31	tax	tax	NOUN
fsr-3413	66	32	liability	liability	NOUN
fsr-3413	66	33	remained	remain	VERB
fsr-3413	66	34	unchanged	unchanged	ADJ
fsr-3413	66	35	,	,	PUNCT
fsr-3413	66	36	resulting	result	VERB
fsr-3413	66	37	in	in	ADP
fsr-3413	66	38	a	a	DET
fsr-3413	66	39	lower	low	ADJ
fsr-3413	66	40	end	end	NOUN
fsr-3413	66	41	-	-	PUNCT
fsr-3413	66	42	of	of	ADP
fsr-3413	66	43	year	year	NOUN
fsr-3413	66	44	tax	tax	NOUN
fsr-3413	66	45	refund	refund	NOUN
fsr-3413	66	46	.	.	PUNCT
fsr-3413	67	1	however	however	ADV
fsr-3413	67	2	,	,	PUNCT
fsr-3413	67	3	in	in	ADP
fsr-3413	67	4	2001	2001	NUM
fsr-3413	67	5	,	,	PUNCT
fsr-3413	67	6	when	when	SCONJ
fsr-3413	67	7	a	a	DET
fsr-3413	67	8	tax	tax	NOUN
fsr-3413	67	9	cut	cut	NOUN
fsr-3413	67	10	took	take	VERB
fsr-3413	67	11	the	the	DET
fsr-3413	67	12	form	form	NOUN
fsr-3413	67	13	of	of	ADP
fsr-3413	67	14	a	a	DET
fsr-3413	67	15	lump	lump	NOUN
fsr-3413	67	16	-	-	PUNCT
fsr-3413	67	17	sum	sum	NOUN
fsr-3413	67	18	rebate	rebate	NOUN
fsr-3413	67	19	,	,	PUNCT
fsr-3413	67	20	only	only	ADV
fsr-3413	67	21	about	about	ADV
fsr-3413	67	22	one	one	NUM
fsr-3413	67	23	-	-	PUNCT
fsr-3413	67	24	fourth	fourth	NOUN
fsr-3413	67	25	of	of	ADP
fsr-3413	67	26	the	the	DET
fsr-3413	67	27	respondents	respondent	NOUN
fsr-3413	67	28	surveyed	survey	VERB
fsr-3413	67	29	expected	expect	VERB
fsr-3413	67	30	to	to	PART
fsr-3413	67	31	spend	spend	VERB
fsr-3413	67	32	the	the	DET
fsr-3413	67	33	payment	payment	NOUN
fsr-3413	67	34	(	(	PUNCT
fsr-3413	67	35	shapiro	shapiro	PROPN
fsr-3413	67	36	and	and	CCONJ
fsr-3413	67	37	19e	19e	NOUN
fsr-3413	67	38	.	.	PUNCT
fsr-3413	68	1	bland	bland	ADJ
fsr-3413	68	2	,	,	PUNCT
fsr-3413	68	3	v.	v.	ADP
fsr-3413	68	4	chambers	chambers	PROPN
fsr-3413	68	5	/	/	SYM
fsr-3413	68	6	financial	financial	ADJ
fsr-3413	68	7	services	service	NOUN
fsr-3413	68	8	review	review	VERB
fsr-3413	68	9	28	28	NUM
fsr-3413	68	10	(	(	PUNCT
fsr-3413	68	11	2020	2020	NUM
fsr-3413	68	12	)	)	PUNCT
fsr-3413	68	13	17	17	NUM
fsr-3413	68	14	-	-	SYM
fsr-3413	68	15	34	34	NUM
fsr-3413	68	16	slemrod	slemrod	NOUN
fsr-3413	68	17	,	,	PUNCT
fsr-3413	68	18	2003	2003	NUM
fsr-3413	68	19	)	)	PUNCT
fsr-3413	68	20	.	.	PUNCT
fsr-3413	69	1	chambers	chamber	NOUN
fsr-3413	69	2	and	and	CCONJ
fsr-3413	69	3	spencer	spencer	PROPN
fsr-3413	69	4	(	(	PUNCT
fsr-3413	69	5	2008	2008	NUM
fsr-3413	69	6	)	)	PUNCT
fsr-3413	69	7	found	find	VERB
fsr-3413	69	8	that	that	SCONJ
fsr-3413	69	9	the	the	DET
fsr-3413	69	10	timing	timing	NOUN
fsr-3413	69	11	of	of	ADP
fsr-3413	69	12	payments	payment	NOUN
fsr-3413	69	13	(	(	PUNCT
fsr-3413	69	14	whether	whether	SCONJ
fsr-3413	69	15	paid	pay	VERB
fsr-3413	69	16	as	as	ADP
fsr-3413	69	17	a	a	DET
fsr-3413	69	18	lump	lump	NOUN
fsr-3413	69	19	-	-	PUNCT
fsr-3413	69	20	sum	sum	NOUN
fsr-3413	69	21	or	or	CCONJ
fsr-3413	69	22	spread	spread	VERB
fsr-3413	69	23	out	out	ADP
fsr-3413	69	24	in	in	ADP
fsr-3413	69	25	equal	equal	ADJ
fsr-3413	69	26	monthly	monthly	ADJ
fsr-3413	69	27	installments	installment	NOUN
fsr-3413	69	28	for	for	ADP
fsr-3413	69	29	a	a	DET
fsr-3413	69	30	year	year	NOUN
fsr-3413	69	31	)	)	PUNCT
fsr-3413	69	32	was	be	AUX
fsr-3413	69	33	significant	significant	ADJ
fsr-3413	69	34	,	,	PUNCT
fsr-3413	69	35	and	and	CCONJ
fsr-3413	69	36	sahm	sahm	PROPN
fsr-3413	69	37	et	et	PROPN
fsr-3413	69	38	al	al	PROPN
fsr-3413	69	39	.	.	PROPN
fsr-3413	70	1	(	(	PUNCT
fsr-3413	70	2	2012	2012	NUM
fsr-3413	70	3	)	)	PUNCT
fsr-3413	70	4	,	,	PUNCT
fsr-3413	70	5	confirmed	confirm	VERB
fsr-3413	70	6	that	that	SCONJ
fsr-3413	70	7	finding	finding	NOUN
fsr-3413	70	8	.	.	PUNCT
fsr-3413	71	1	however	however	ADV
fsr-3413	71	2	,	,	PUNCT
fsr-3413	71	3	whether	whether	SCONJ
fsr-3413	71	4	people	people	NOUN
fsr-3413	71	5	were	be	AUX
fsr-3413	71	6	in	in	ADP
fsr-3413	71	7	the	the	DET
fsr-3413	71	8	habit	habit	NOUN
fsr-3413	71	9	of	of	ADP
fsr-3413	71	10	saving	save	VERB
fsr-3413	71	11	versus	versus	ADP
fsr-3413	71	12	spending	spending	NOUN
fsr-3413	71	13	also	also	ADV
fsr-3413	71	14	mattered	matter	VERB
fsr-3413	71	15	(	(	PUNCT
fsr-3413	71	16	spencer	spencer	NOUN
fsr-3413	71	17	and	and	CCONJ
fsr-3413	71	18	chambers	chamber	NOUN
fsr-3413	71	19	,	,	PUNCT
fsr-3413	71	20	2012	2012	NUM
fsr-3413	71	21	)	)	PUNCT
fsr-3413	71	22	.	.	PUNCT
fsr-3413	72	1	the	the	DET
fsr-3413	72	2	framing	framing	NOUN
fsr-3413	72	3	of	of	ADP
fsr-3413	72	4	payments	payment	NOUN
fsr-3413	72	5	seems	seem	VERB
fsr-3413	72	6	to	to	PART
fsr-3413	72	7	matter	matter	VERB
fsr-3413	72	8	:	:	PUNCT
fsr-3413	72	9	baker	baker	PROPN
fsr-3413	72	10	et	et	PROPN
fsr-3413	72	11	al	al	PROPN
fsr-3413	72	12	.	.	PROPN
fsr-3413	73	1	(	(	PUNCT
fsr-3413	73	2	2007	2007	NUM
fsr-3413	73	3	)	)	PUNCT
fsr-3413	73	4	found	find	VERB
fsr-3413	73	5	that	that	SCONJ
fsr-3413	73	6	more	more	ADJ
fsr-3413	73	7	money	money	NOUN
fsr-3413	73	8	was	be	AUX
fsr-3413	73	9	spent	spend	VERB
fsr-3413	73	10	from	from	ADP
fsr-3413	73	11	likely	likely	ADJ
fsr-3413	73	12	recurring	recur	VERB
fsr-3413	73	13	income	income	NOUN
fsr-3413	73	14	(	(	PUNCT
fsr-3413	73	15	dividends	dividend	NOUN
fsr-3413	73	16	)	)	PUNCT
fsr-3413	73	17	than	than	ADP
fsr-3413	73	18	from	from	ADP
fsr-3413	73	19	less	less	ADV
fsr-3413	73	20	recurring	recur	VERB
fsr-3413	73	21	capital	capital	NOUN
fsr-3413	73	22	gain	gain	NOUN
fsr-3413	73	23	income	income	NOUN
fsr-3413	73	24	.	.	PUNCT
fsr-3413	74	1	hershfield	hershfield	PROPN
fsr-3413	74	2	et	et	PROPN
fsr-3413	74	3	al	al	PROPN
fsr-3413	74	4	.	.	PROPN
fsr-3413	75	1	(	(	PUNCT
fsr-3413	75	2	2015	2015	NUM
fsr-3413	75	3	)	)	PUNCT
fsr-3413	75	4	found	find	VERB
fsr-3413	75	5	that	that	SCONJ
fsr-3413	75	6	consumers	consumer	NOUN
fsr-3413	75	7	placed	place	VERB
fsr-3413	75	8	savings	saving	NOUN
fsr-3413	75	9	and	and	CCONJ
fsr-3413	75	10	debt	debt	NOUN
fsr-3413	75	11	into	into	ADP
fsr-3413	75	12	different	different	ADJ
fsr-3413	75	13	mental	mental	ADJ
fsr-3413	75	14	accounts	account	NOUN
fsr-3413	75	15	,	,	PUNCT
fsr-3413	75	16	making	make	VERB
fsr-3413	75	17	them	they	PRON
fsr-3413	75	18	insensitive	insensitive	ADJ
fsr-3413	75	19	to	to	ADP
fsr-3413	75	20	the	the	DET
fsr-3413	75	21	significant	significant	ADJ
fsr-3413	75	22	differences	difference	NOUN
fsr-3413	75	23	between	between	ADP
fsr-3413	75	24	the	the	DET
fsr-3413	75	25	interest	interest	NOUN
fsr-3413	75	26	rates	rate	NOUN
fsr-3413	75	27	on	on	ADP
fsr-3413	75	28	these	these	DET
fsr-3413	75	29	accounts	account	NOUN
fsr-3413	75	30	.	.	PUNCT
fsr-3413	76	1	shefrin	shefrin	NOUN
fsr-3413	76	2	and	and	CCONJ
fsr-3413	76	3	thaler	thaler	PROPN
fsr-3413	76	4	(	(	PUNCT
fsr-3413	76	5	1988	1988	NUM
fsr-3413	76	6	)	)	PUNCT
fsr-3413	76	7	found	find	VERB
fsr-3413	76	8	that	that	SCONJ
fsr-3413	76	9	more	more	ADJ
fsr-3413	76	10	of	of	ADP
fsr-3413	76	11	a	a	DET
fsr-3413	76	12	lump	lump	NOUN
fsr-3413	76	13	sum	sum	NOUN
fsr-3413	76	14	bonus	bonus	NOUN
fsr-3413	76	15	was	be	AUX
fsr-3413	76	16	saved	save	VERB
fsr-3413	76	17	than	than	SCONJ
fsr-3413	76	18	if	if	SCONJ
fsr-3413	76	19	the	the	DET
fsr-3413	76	20	same	same	ADJ
fsr-3413	76	21	amount	amount	NOUN
fsr-3413	76	22	increased	increase	VERB
fsr-3413	76	23	regular	regular	ADJ
fsr-3413	76	24	income	income	NOUN
fsr-3413	76	25	,	,	PUNCT
fsr-3413	76	26	even	even	ADV
fsr-3413	76	27	when	when	SCONJ
fsr-3413	76	28	the	the	DET
fsr-3413	76	29	bonus	bonus	NOUN
fsr-3413	76	30	is	be	AUX
fsr-3413	76	31	fully	fully	ADV
fsr-3413	76	32	anticipated	anticipate	VERB
fsr-3413	76	33	.	.	PUNCT
fsr-3413	77	1	(	(	PUNCT
fsr-3413	77	2	1	1	X
fsr-3413	77	3	)	)	PUNCT
fsr-3413	77	4	is	be	AUX
fsr-3413	77	5	the	the	DET
fsr-3413	77	6	source	source	NOUN
fsr-3413	77	7	of	of	ADP
fsr-3413	77	8	the	the	DET
fsr-3413	77	9	income	income	NOUN
fsr-3413	77	10	important	important	ADJ
fsr-3413	77	11	in	in	ADP
fsr-3413	77	12	mental	mental	ADJ
fsr-3413	77	13	accounting	accounting	NOUN
fsr-3413	77	14	?	?	PUNCT
fsr-3413	78	1	windfall	windfall	NOUN
fsr-3413	78	2	sources	source	NOUN
fsr-3413	78	3	in	in	ADP
fsr-3413	78	4	prior	prior	ADJ
fsr-3413	78	5	literature	literature	NOUN
fsr-3413	78	6	include	include	VERB
fsr-3413	78	7	:	:	PUNCT
fsr-3413	78	8	inheritance	inheritance	NOUN
fsr-3413	78	9	(	(	PUNCT
fsr-3413	78	10	baker	baker	NOUN
fsr-3413	78	11	and	and	CCONJ
fsr-3413	78	12	nofsinger	nofsinger	NOUN
fsr-3413	78	13	,	,	PUNCT
fsr-3413	78	14	2002	2002	NUM
fsr-3413	78	15	;	;	PUNCT
fsr-3413	78	16	zagorsky	zagorsky	NUM
fsr-3413	78	17	,	,	PUNCT
fsr-3413	78	18	2013	2013	NUM
fsr-3413	78	19	)	)	PUNCT
fsr-3413	78	20	,	,	PUNCT
fsr-3413	78	21	bonus	bonus	NOUN
fsr-3413	78	22	(	(	PUNCT
fsr-3413	78	23	henderson	henderson	PROPN
fsr-3413	78	24	and	and	CCONJ
fsr-3413	78	25	peterson	peterson	PROPN
fsr-3413	78	26	,	,	PUNCT
fsr-3413	78	27	1992	1992	NUM
fsr-3413	78	28	;	;	PUNCT
fsr-3413	78	29	hsieh	hsieh	PROPN
fsr-3413	78	30	,	,	PUNCT
fsr-3413	78	31	2003	2003	NUM
fsr-3413	78	32	)	)	PUNCT
fsr-3413	78	33	,	,	PUNCT
fsr-3413	78	34	tax	tax	NOUN
fsr-3413	78	35	rebate	rebate	NOUN
fsr-3413	78	36	(	(	PUNCT
fsr-3413	78	37	chambers	chamber	NOUN
fsr-3413	78	38	and	and	CCONJ
fsr-3413	78	39	spencer	spencer	NOUN
fsr-3413	78	40	,	,	PUNCT
fsr-3413	78	41	2008	2008	NUM
fsr-3413	78	42	;	;	PUNCT
fsr-3413	78	43	meekin	meekin	NOUN
fsr-3413	78	44	et	et	PROPN
fsr-3413	78	45	al	al	PROPN
fsr-3413	78	46	.	.	PROPN
fsr-3413	78	47	,	,	PUNCT
fsr-3413	78	48	2015	2015	NUM
fsr-3413	78	49	)	)	PUNCT
fsr-3413	78	50	,	,	PUNCT
fsr-3413	78	51	and	and	CCONJ
fsr-3413	78	52	lottery	lottery	NOUN
fsr-3413	78	53	(	(	PUNCT
fsr-3413	78	54	winkelmann	winkelmann	PROPN
fsr-3413	78	55	et	et	PROPN
fsr-3413	78	56	al	al	PROPN
fsr-3413	78	57	.	.	PROPN
fsr-3413	78	58	,	,	PUNCT
fsr-3413	78	59	2011	2011	NUM
fsr-3413	78	60	)	)	PUNCT
fsr-3413	78	61	.	.	PUNCT
fsr-3413	79	1	some	some	DET
fsr-3413	79	2	evidence	evidence	NOUN
fsr-3413	79	3	suggests	suggest	VERB
fsr-3413	79	4	that	that	SCONJ
fsr-3413	79	5	the	the	DET
fsr-3413	79	6	source	source	NOUN
fsr-3413	79	7	of	of	ADP
fsr-3413	79	8	one	one	NUM
fsr-3413	79	9	’s	’s	PART
fsr-3413	79	10	income	income	NOUN
fsr-3413	79	11	is	be	AUX
fsr-3413	79	12	important	important	ADJ
fsr-3413	79	13	in	in	ADP
fsr-3413	79	14	mental	mental	ADJ
fsr-3413	79	15	accounting	accounting	NOUN
fsr-3413	79	16	.	.	PUNCT
fsr-3413	80	1	winkelmann	winkelmann	PROPN
fsr-3413	80	2	et	et	PROPN
fsr-3413	80	3	al	al	PROPN
fsr-3413	80	4	.	.	PROPN
fsr-3413	81	1	(	(	PUNCT
fsr-3413	81	2	2011	2011	NUM
fsr-3413	81	3	)	)	PUNCT
fsr-3413	81	4	found	find	VERB
fsr-3413	81	5	that	that	SCONJ
fsr-3413	81	6	spending	spending	NOUN
fsr-3413	81	7	from	from	ADP
fsr-3413	81	8	different	different	ADJ
fsr-3413	81	9	sources	source	NOUN
fsr-3413	81	10	of	of	ADP
fsr-3413	81	11	income	income	NOUN
fsr-3413	81	12	conferred	confer	VERB
fsr-3413	81	13	different	different	ADJ
fsr-3413	81	14	marginal	marginal	ADJ
fsr-3413	81	15	utilities	utility	NOUN
fsr-3413	81	16	.	.	PUNCT
fsr-3413	82	1	sources	source	NOUN
fsr-3413	82	2	of	of	ADP
fsr-3413	82	3	income	income	NOUN
fsr-3413	82	4	may	may	AUX
fsr-3413	82	5	be	be	AUX
fsr-3413	82	6	tied	tie	VERB
fsr-3413	82	7	to	to	ADP
fsr-3413	82	8	uses	use	NOUN
fsr-3413	82	9	of	of	ADP
fsr-3413	82	10	income	income	NOUN
fsr-3413	82	11	.	.	PUNCT
fsr-3413	83	1	for	for	ADP
fsr-3413	83	2	example	example	NOUN
fsr-3413	83	3	,	,	PUNCT
fsr-3413	83	4	henderson	henderson	PROPN
fsr-3413	83	5	and	and	CCONJ
fsr-3413	83	6	peterson	peterson	PROPN
fsr-3413	83	7	(	(	PUNCT
fsr-3413	83	8	1992	1992	NUM
fsr-3413	83	9	)	)	PUNCT
fsr-3413	83	10	reported	report	VERB
fsr-3413	83	11	that	that	SCONJ
fsr-3413	83	12	individuals	individual	NOUN
fsr-3413	83	13	were	be	AUX
fsr-3413	83	14	more	more	ADV
fsr-3413	83	15	likely	likely	ADJ
fsr-3413	83	16	to	to	PART
fsr-3413	83	17	spend	spend	VERB
fsr-3413	83	18	$	$	SYM
fsr-3413	83	19	2,000	2,000	NUM
fsr-3413	83	20	on	on	ADP
fsr-3413	83	21	a	a	DET
fsr-3413	83	22	vacation	vacation	NOUN
fsr-3413	83	23	if	if	SCONJ
fsr-3413	83	24	the	the	DET
fsr-3413	83	25	source	source	NOUN
fsr-3413	83	26	of	of	ADP
fsr-3413	83	27	the	the	DET
fsr-3413	83	28	funds	fund	NOUN
fsr-3413	83	29	was	be	AUX
fsr-3413	83	30	a	a	DET
fsr-3413	83	31	gift	gift	NOUN
fsr-3413	83	32	rather	rather	ADV
fsr-3413	83	33	than	than	ADP
fsr-3413	83	34	a	a	DET
fsr-3413	83	35	work	work	NOUN
fsr-3413	83	36	bonus	bonus	NOUN
fsr-3413	83	37	.	.	PUNCT
fsr-3413	84	1	bradford	bradford	NOUN
fsr-3413	84	2	(	(	PUNCT
fsr-3413	84	3	2008	2008	NUM
fsr-3413	84	4	)	)	PUNCT
fsr-3413	84	5	found	find	VERB
fsr-3413	84	6	that	that	SCONJ
fsr-3413	84	7	individuals	individual	NOUN
fsr-3413	84	8	allocate	allocate	VERB
fsr-3413	84	9	gifted	gifted	ADJ
fsr-3413	84	10	and	and	CCONJ
fsr-3413	84	11	inherited	inherit	VERB
fsr-3413	84	12	assets	asset	NOUN
fsr-3413	84	13	consistent	consistent	ADJ
fsr-3413	84	14	with	with	ADP
fsr-3413	84	15	their	their	PRON
fsr-3413	84	16	goals	goal	NOUN
fsr-3413	84	17	in	in	ADP
fsr-3413	84	18	the	the	DET
fsr-3413	84	19	relationship	relationship	NOUN
fsr-3413	84	20	.	.	PUNCT
fsr-3413	85	1	epley	epley	PROPN
fsr-3413	85	2	et	et	PROPN
fsr-3413	85	3	al	al	PROPN
fsr-3413	85	4	.	.	PROPN
fsr-3413	85	5	(	(	PUNCT
fsr-3413	85	6	2006	2006	NUM
fsr-3413	85	7	)	)	PUNCT
fsr-3413	85	8	found	find	VERB
fsr-3413	85	9	that	that	SCONJ
fsr-3413	85	10	people	people	NOUN
fsr-3413	85	11	spent	spend	VERB
fsr-3413	85	12	more	more	ADJ
fsr-3413	85	13	from	from	ADP
fsr-3413	85	14	an	an	DET
fsr-3413	85	15	income	income	NOUN
fsr-3413	85	16	source	source	NOUN
fsr-3413	85	17	of	of	ADP
fsr-3413	85	18	the	the	DET
fsr-3413	85	19	same	same	ADJ
fsr-3413	85	20	amount	amount	NOUN
fsr-3413	85	21	and	and	CCONJ
fsr-3413	85	22	timing	timing	NOUN
fsr-3413	85	23	labeled	label	VERB
fsr-3413	85	24	“	"	PUNCT
fsr-3413	85	25	bonus	bonus	NOUN
fsr-3413	85	26	”	"	PUNCT
fsr-3413	85	27	than	than	SCONJ
fsr-3413	85	28	they	they	PRON
fsr-3413	85	29	did	do	AUX
fsr-3413	85	30	one	one	NUM
fsr-3413	85	31	labeled	label	VERB
fsr-3413	85	32	“	"	PUNCT
fsr-3413	85	33	rebate	rebate	NOUN
fsr-3413	85	34	.	.	PUNCT
fsr-3413	85	35	”	"	PUNCT
fsr-3413	86	1	milkman	milkman	PROPN
fsr-3413	86	2	and	and	CCONJ
fsr-3413	86	3	beshears	beshear	NOUN
fsr-3413	86	4	(	(	PUNCT
fsr-3413	86	5	2009	2009	NUM
fsr-3413	86	6	)	)	PUNCT
fsr-3413	86	7	found	find	VERB
fsr-3413	86	8	that	that	SCONJ
fsr-3413	86	9	consumers	consumer	NOUN
fsr-3413	86	10	who	who	PRON
fsr-3413	86	11	received	receive	VERB
fsr-3413	86	12	$	$	SYM
fsr-3413	86	13	10	10	NUM
fsr-3413	86	14	windfalls	windfall	NOUN
fsr-3413	86	15	in	in	ADP
fsr-3413	86	16	the	the	DET
fsr-3413	86	17	form	form	NOUN
fsr-3413	86	18	of	of	ADP
fsr-3413	86	19	grocery	grocery	NOUN
fsr-3413	86	20	coupons	coupon	NOUN
fsr-3413	86	21	spent	spend	VERB
fsr-3413	86	22	an	an	DET
fsr-3413	86	23	additional	additional	ADJ
fsr-3413	86	24	$	$	SYM
fsr-3413	86	25	1.59	1.59	NUM
fsr-3413	86	26	on	on	ADP
fsr-3413	86	27	groceries	grocery	NOUN
fsr-3413	86	28	that	that	SCONJ
fsr-3413	86	29	the	the	DET
fsr-3413	86	30	consumer	consumer	NOUN
fsr-3413	86	31	did	do	AUX
fsr-3413	86	32	not	not	PART
fsr-3413	86	33	typically	typically	ADV
fsr-3413	86	34	buy	buy	VERB
fsr-3413	86	35	.	.	PUNCT
fsr-3413	87	1	chambers	chamber	NOUN
fsr-3413	87	2	et	et	PROPN
fsr-3413	87	3	al	al	PROPN
fsr-3413	87	4	.	.	PROPN
fsr-3413	88	1	(	(	PUNCT
fsr-3413	88	2	2017	2017	NUM
fsr-3413	88	3	)	)	PUNCT
fsr-3413	88	4	found	find	VERB
fsr-3413	88	5	that	that	SCONJ
fsr-3413	88	6	people	people	NOUN
fsr-3413	88	7	given	give	VERB
fsr-3413	88	8	a	a	DET
fsr-3413	88	9	hypothetical	hypothetical	ADJ
fsr-3413	88	10	payment	payment	NOUN
fsr-3413	88	11	from	from	ADP
fsr-3413	88	12	one	one	NUM
fsr-3413	88	13	of	of	ADP
fsr-3413	88	14	five	five	NUM
fsr-3413	88	15	different	different	ADJ
fsr-3413	88	16	sources	source	NOUN
fsr-3413	88	17	would	would	AUX
fsr-3413	88	18	spend	spend	VERB
fsr-3413	88	19	the	the	DET
fsr-3413	88	20	funds	fund	NOUN
fsr-3413	88	21	differently	differently	ADV
fsr-3413	88	22	,	,	PUNCT
fsr-3413	88	23	depending	depend	VERB
fsr-3413	88	24	on	on	ADP
fsr-3413	88	25	the	the	DET
fsr-3413	88	26	source	source	NOUN
fsr-3413	88	27	of	of	ADP
fsr-3413	88	28	the	the	DET
fsr-3413	88	29	money	money	NOUN
fsr-3413	88	30	,	,	PUNCT
fsr-3413	88	31	and	and	CCONJ
fsr-3413	88	32	that	that	SCONJ
fsr-3413	88	33	less	less	ADJ
fsr-3413	88	34	of	of	ADP
fsr-3413	88	35	the	the	DET
fsr-3413	88	36	windfall	windfall	NOUN
fsr-3413	88	37	would	would	AUX
fsr-3413	88	38	be	be	AUX
fsr-3413	88	39	saved	save	VERB
fsr-3413	88	40	overall	overall	ADV
fsr-3413	88	41	from	from	ADP
fsr-3413	88	42	a	a	DET
fsr-3413	88	43	game	game	NOUN
fsr-3413	88	44	show	show	NOUN
fsr-3413	88	45	payment	payment	NOUN
fsr-3413	88	46	than	than	ADP
fsr-3413	88	47	from	from	ADP
fsr-3413	88	48	a	a	DET
fsr-3413	88	49	tax	tax	NOUN
fsr-3413	88	50	rebate	rebate	NOUN
fsr-3413	88	51	.	.	PUNCT
fsr-3413	89	1	similarly	similarly	ADV
fsr-3413	89	2	,	,	PUNCT
fsr-3413	89	3	chambers	chamber	NOUN
fsr-3413	89	4	et	et	PROPN
fsr-3413	89	5	al	al	PROPN
fsr-3413	89	6	.	.	PROPN
fsr-3413	90	1	(	(	PUNCT
fsr-3413	90	2	2017	2017	NUM
fsr-3413	90	3	)	)	PUNCT
fsr-3413	90	4	found	find	VERB
fsr-3413	90	5	that	that	SCONJ
fsr-3413	90	6	people	people	NOUN
fsr-3413	90	7	tended	tend	VERB
fsr-3413	90	8	not	not	PART
fsr-3413	90	9	to	to	PART
fsr-3413	90	10	shift	shift	VERB
fsr-3413	90	11	away	away	ADV
fsr-3413	90	12	from	from	ADP
fsr-3413	90	13	their	their	PRON
fsr-3413	90	14	spending	spending	NOUN
fsr-3413	90	15	habits	habit	NOUN
fsr-3413	90	16	.	.	PUNCT
fsr-3413	91	1	the	the	DET
fsr-3413	91	2	goal	goal	NOUN
fsr-3413	91	3	of	of	ADP
fsr-3413	91	4	this	this	DET
fsr-3413	91	5	article	article	NOUN
fsr-3413	91	6	,	,	PUNCT
fsr-3413	91	7	given	give	VERB
fsr-3413	91	8	that	that	DET
fsr-3413	91	9	money	money	NOUN
fsr-3413	91	10	is	be	AUX
fsr-3413	91	11	fungible	fungible	ADJ
fsr-3413	91	12	,	,	PUNCT
fsr-3413	91	13	is	be	AUX
fsr-3413	91	14	to	to	PART
fsr-3413	91	15	test	test	VERB
fsr-3413	91	16	to	to	PART
fsr-3413	91	17	see	see	VERB
fsr-3413	91	18	whether	whether	SCONJ
fsr-3413	91	19	the	the	DET
fsr-3413	91	20	affective	affective	ADJ
fsr-3413	91	21	tag	tag	NOUN
fsr-3413	91	22	of	of	ADP
fsr-3413	91	23	the	the	DET
fsr-3413	91	24	spending	spending	NOUN
fsr-3413	91	25	significantly	significantly	ADV
fsr-3413	91	26	mirrors	mirror	VERB
fsr-3413	91	27	the	the	DET
fsr-3413	91	28	affective	affective	ADJ
fsr-3413	91	29	tag	tag	NOUN
fsr-3413	91	30	of	of	ADP
fsr-3413	91	31	the	the	DET
fsr-3413	91	32	windfall	windfall	NOUN
fsr-3413	91	33	source	source	NOUN
fsr-3413	91	34	.	.	PUNCT
fsr-3413	92	1	(	(	PUNCT
fsr-3413	92	2	2	2	X
fsr-3413	92	3	)	)	PUNCT
fsr-3413	92	4	affective	affective	ADJ
fsr-3413	92	5	tags	tag	NOUN
fsr-3413	92	6	and	and	CCONJ
fsr-3413	92	7	mental	mental	ADJ
fsr-3413	92	8	accounting	accounting	NOUN
fsr-3413	92	9	levav	levav	PROPN
fsr-3413	92	10	and	and	CCONJ
fsr-3413	92	11	mcgraw	mcgraw	PROPN
fsr-3413	92	12	(	(	PUNCT
fsr-3413	92	13	2009	2009	NUM
fsr-3413	92	14	)	)	PUNCT
fsr-3413	92	15	proposed	propose	VERB
fsr-3413	92	16	that	that	SCONJ
fsr-3413	92	17	windfalls	windfall	NOUN
fsr-3413	92	18	in	in	ADP
fsr-3413	92	19	mental	mental	ADJ
fsr-3413	92	20	accounting	accounting	NOUN
fsr-3413	92	21	may	may	AUX
fsr-3413	92	22	have	have	VERB
fsr-3413	92	23	a	a	DET
fsr-3413	92	24	feeling	feeling	NOUN
fsr-3413	92	25	attached	attach	VERB
fsr-3413	92	26	to	to	ADP
fsr-3413	92	27	that	that	DET
fsr-3413	92	28	sum	sum	NOUN
fsr-3413	92	29	of	of	ADP
fsr-3413	92	30	money	money	NOUN
fsr-3413	92	31	,	,	PUNCT
fsr-3413	92	32	or	or	CCONJ
fsr-3413	92	33	“	"	PUNCT
fsr-3413	92	34	affective	affective	ADJ
fsr-3413	92	35	tag	tag	NOUN
fsr-3413	92	36	.	.	PUNCT
fsr-3413	92	37	”	"	PUNCT
fsr-3413	93	1	they	they	PRON
fsr-3413	93	2	found	find	VERB
fsr-3413	93	3	that	that	SCONJ
fsr-3413	93	4	when	when	SCONJ
fsr-3413	93	5	a	a	DET
fsr-3413	93	6	windfall	windfall	NOUN
fsr-3413	93	7	that	that	PRON
fsr-3413	93	8	is	be	AUX
fsr-3413	93	9	negatively	negatively	ADV
fsr-3413	93	10	tagged	tag	VERB
fsr-3413	93	11	is	be	AUX
fsr-3413	93	12	received	receive	VERB
fsr-3413	93	13	,	,	PUNCT
fsr-3413	93	14	the	the	DET
fsr-3413	93	15	associated	associated	ADJ
fsr-3413	93	16	negative	negative	ADJ
fsr-3413	93	17	feelings	feeling	NOUN
fsr-3413	93	18	influenced	influence	VERB
fsr-3413	93	19	respondents	respondent	NOUN
fsr-3413	93	20	to	to	PART
fsr-3413	93	21	consume	consume	VERB
fsr-3413	93	22	the	the	DET
fsr-3413	93	23	windfall	windfall	NOUN
fsr-3413	93	24	either	either	CCONJ
fsr-3413	93	25	reluctantly	reluctantly	ADV
fsr-3413	93	26	or	or	CCONJ
fsr-3413	93	27	virtuously	virtuously	ADV
fsr-3413	93	28	to	to	PART
fsr-3413	93	29	cope	cope	VERB
fsr-3413	93	30	with	with	ADP
fsr-3413	93	31	those	those	DET
fsr-3413	93	32	negative	negative	ADJ
fsr-3413	93	33	feelings	feeling	NOUN
fsr-3413	93	34	.	.	PUNCT
fsr-3413	94	1	o’curry	o’curry	PROPN
fsr-3413	94	2	and	and	CCONJ
fsr-3413	94	3	strahilevitz	strahilevitz	PROPN
fsr-3413	94	4	(	(	PUNCT
fsr-3413	94	5	2001	2001	NUM
fsr-3413	94	6	)	)	PUNCT
fsr-3413	94	7	found	find	VERB
fsr-3413	94	8	that	that	SCONJ
fsr-3413	94	9	those	those	PRON
fsr-3413	94	10	receiving	receive	VERB
fsr-3413	94	11	lotto	lotto	NOUN
fsr-3413	94	12	payments	payment	NOUN
fsr-3413	94	13	spent	spend	VERB
fsr-3413	94	14	it	it	PRON
fsr-3413	94	15	hedonistically	hedonistically	ADV
fsr-3413	94	16	.	.	PUNCT
fsr-3413	95	1	this	this	DET
fsr-3413	95	2	study	study	NOUN
fsr-3413	95	3	focuses	focus	VERB
fsr-3413	95	4	on	on	ADP
fsr-3413	95	5	one	one	NUM
fsr-3413	95	6	of	of	ADP
fsr-3413	95	7	those	those	DET
fsr-3413	95	8	questions	question	NOUN
fsr-3413	95	9	:	:	PUNCT
fsr-3413	95	10	does	do	AUX
fsr-3413	95	11	an	an	DET
fsr-3413	95	12	income	income	NOUN
fsr-3413	95	13	source	source	NOUN
fsr-3413	95	14	affectively	affectively	ADV
fsr-3413	95	15	tagged	tag	VERB
fsr-3413	95	16	as	as	ADP
fsr-3413	95	17	“	"	PUNCT
fsr-3413	95	18	fun	fun	NOUN
fsr-3413	95	19	”	"	PUNCT
fsr-3413	95	20	result	result	NOUN
fsr-3413	95	21	in	in	ADP
fsr-3413	95	22	significantly	significantly	ADV
fsr-3413	95	23	more	more	ADJ
fsr-3413	95	24	spending	spending	NOUN
fsr-3413	95	25	on	on	ADP
fsr-3413	95	26	fun	fun	NOUN
fsr-3413	95	27	?	?	PUNCT
fsr-3413	96	1	will	will	AUX
fsr-3413	96	2	less	less	ADV
fsr-3413	96	3	fun	fun	NOUN
fsr-3413	96	4	sources	source	NOUN
fsr-3413	96	5	be	be	AUX
fsr-3413	96	6	used	use	VERB
fsr-3413	96	7	20	20	NUM
fsr-3413	96	8	e.	e.	PROPN
fsr-3413	96	9	bland	bland	PROPN
fsr-3413	96	10	,	,	PUNCT
fsr-3413	96	11	v.	v.	ADP
fsr-3413	96	12	chambers	chambers	PROPN
fsr-3413	96	13	/	/	SYM
fsr-3413	96	14	financial	financial	ADJ
fsr-3413	96	15	services	service	NOUN
fsr-3413	96	16	review	review	VERB
fsr-3413	96	17	28	28	NUM
fsr-3413	96	18	(	(	PUNCT
fsr-3413	96	19	2020	2020	NUM
fsr-3413	96	20	)	)	PUNCT
fsr-3413	96	21	17	17	NUM
fsr-3413	96	22	-	-	SYM
fsr-3413	96	23	34	34	NUM
fsr-3413	96	24	more	more	ADJ
fsr-3413	96	25	for	for	ADP
fsr-3413	96	26	less	less	ADJ
fsr-3413	96	27	fun	fun	NOUN
fsr-3413	96	28	uses	use	NOUN
fsr-3413	96	29	?	?	PUNCT
fsr-3413	97	1	additionally	additionally	ADV
fsr-3413	97	2	,	,	PUNCT
fsr-3413	97	3	as	as	ADP
fsr-3413	97	4	a	a	DET
fsr-3413	97	5	research	research	NOUN
fsr-3413	97	6	question	question	NOUN
fsr-3413	97	7	,	,	PUNCT
fsr-3413	97	8	how	how	SCONJ
fsr-3413	97	9	is	be	AUX
fsr-3413	97	10	the	the	DET
fsr-3413	97	11	spending	spending	NOUN
fsr-3413	97	12	on	on	ADP
fsr-3413	97	13	fun	fun	NOUN
fsr-3413	97	14	bounded	bound	VERB
fsr-3413	97	15	,	,	PUNCT
fsr-3413	97	16	if	if	SCONJ
fsr-3413	97	17	at	at	ADV
fsr-3413	97	18	all	all	ADV
fsr-3413	97	19	?	?	PUNCT
fsr-3413	98	1	(	(	PUNCT
fsr-3413	98	2	3	3	X
fsr-3413	98	3	)	)	PUNCT
fsr-3413	98	4	demographic	demographic	ADJ
fsr-3413	98	5	factors	factor	NOUN
fsr-3413	98	6	several	several	ADJ
fsr-3413	98	7	demographic	demographic	ADJ
fsr-3413	98	8	factors	factor	NOUN
fsr-3413	98	9	might	might	AUX
fsr-3413	98	10	be	be	AUX
fsr-3413	98	11	significant	significant	ADJ
fsr-3413	98	12	.	.	PUNCT
fsr-3413	99	1	chen	chen	PROPN
fsr-3413	99	2	and	and	CCONJ
fsr-3413	99	3	volpe	volpe	PROPN
fsr-3413	99	4	(	(	PUNCT
fsr-3413	99	5	2002	2002	NUM
fsr-3413	99	6	)	)	PUNCT
fsr-3413	99	7	found	find	VERB
fsr-3413	99	8	that	that	SCONJ
fsr-3413	99	9	gender	gender	NOUN
fsr-3413	99	10	was	be	AUX
fsr-3413	99	11	significant	significant	ADJ
fsr-3413	99	12	to	to	ADP
fsr-3413	99	13	personal	personal	ADJ
fsr-3413	99	14	finance	finance	NOUN
fsr-3413	99	15	,	,	PUNCT
fsr-3413	99	16	but	but	CCONJ
fsr-3413	99	17	education	education	NOUN
fsr-3413	99	18	and	and	CCONJ
fsr-3413	99	19	experience	experience	NOUN
fsr-3413	99	20	could	could	AUX
fsr-3413	99	21	have	have	VERB
fsr-3413	99	22	a	a	DET
fsr-3413	99	23	significant	significant	ADJ
fsr-3413	99	24	impact	impact	NOUN
fsr-3413	99	25	on	on	ADP
fsr-3413	99	26	the	the	DET
fsr-3413	99	27	financial	financial	ADJ
fsr-3413	99	28	literacy	literacy	NOUN
fsr-3413	99	29	of	of	ADP
fsr-3413	99	30	both	both	DET
fsr-3413	99	31	genders	gender	NOUN
fsr-3413	99	32	.	.	PUNCT
fsr-3413	100	1	fisher	fisher	PROPN
fsr-3413	100	2	et	et	PROPN
fsr-3413	100	3	al	al	PROPN
fsr-3413	100	4	.	.	PROPN
fsr-3413	101	1	(	(	PUNCT
fsr-3413	101	2	2015	2015	NUM
fsr-3413	101	3	)	)	PUNCT
fsr-3413	101	4	found	find	VERB
fsr-3413	101	5	that	that	SCONJ
fsr-3413	101	6	income	income	NOUN
fsr-3413	101	7	,	,	PUNCT
fsr-3413	101	8	income	income	NOUN
fsr-3413	101	9	uncertainty	uncertainty	NOUN
fsr-3413	101	10	,	,	PUNCT
fsr-3413	101	11	wealth	wealth	NOUN
fsr-3413	101	12	,	,	PUNCT
fsr-3413	101	13	high	high	ADJ
fsr-3413	101	14	-	-	PUNCT
fsr-3413	101	15	risk	risk	NOUN
fsr-3413	101	16	tolerance	tolerance	NOUN
fsr-3413	101	17	,	,	PUNCT
fsr-3413	101	18	and	and	CCONJ
fsr-3413	101	19	savings	saving	NOUN
fsr-3413	101	20	also	also	ADV
fsr-3413	101	21	differed	differ	VERB
fsr-3413	101	22	significantly	significantly	ADV
fsr-3413	101	23	by	by	ADP
fsr-3413	101	24	gender	gender	NOUN
fsr-3413	101	25	,	,	PUNCT
fsr-3413	101	26	as	as	SCONJ
fsr-3413	101	27	did	do	AUX
fsr-3413	101	28	being	be	AUX
fsr-3413	101	29	nonwhite	nonwhite	ADJ
fsr-3413	101	30	and	and	CCONJ
fsr-3413	101	31	having	have	VERB
fsr-3413	101	32	other	other	ADJ
fsr-3413	101	33	household	household	NOUN
fsr-3413	101	34	members	member	NOUN
fsr-3413	101	35	.	.	PUNCT
fsr-3413	102	1	fisher	fisher	PROPN
fsr-3413	102	2	(	(	PUNCT
fsr-3413	102	3	2010	2010	NUM
fsr-3413	102	4	)	)	PUNCT
fsr-3413	102	5	found	find	VERB
fsr-3413	102	6	that	that	SCONJ
fsr-3413	102	7	certain	certain	ADJ
fsr-3413	102	8	race	race	NOUN
fsr-3413	102	9	differences	difference	NOUN
fsr-3413	102	10	in	in	ADP
fsr-3413	102	11	savings	saving	NOUN
fsr-3413	102	12	were	be	AUX
fsr-3413	102	13	explained	explain	VERB
fsr-3413	102	14	by	by	ADP
fsr-3413	102	15	the	the	DET
fsr-3413	102	16	individual	individual	ADJ
fsr-3413	102	17	determinants	determinant	NOUN
fsr-3413	102	18	of	of	ADP
fsr-3413	102	19	saving	saving	NOUN
fsr-3413	102	20	,	,	PUNCT
fsr-3413	102	21	including	include	VERB
fsr-3413	102	22	:	:	PUNCT
fsr-3413	102	23	receiving	receive	VERB
fsr-3413	102	24	government	government	NOUN
fsr-3413	102	25	assistance	assistance	NOUN
fsr-3413	102	26	,	,	PUNCT
fsr-3413	102	27	feeling	feel	VERB
fsr-3413	102	28	that	that	SCONJ
fsr-3413	102	29	credit	credit	NOUN
fsr-3413	102	30	use	use	NOUN
fsr-3413	102	31	is	be	AUX
fsr-3413	102	32	bad	bad	ADJ
fsr-3413	102	33	,	,	PUNCT
fsr-3413	102	34	being	be	AUX
fsr-3413	102	35	turned	turn	VERB
fsr-3413	102	36	down	down	ADP
fsr-3413	102	37	for	for	ADP
fsr-3413	102	38	credit	credit	NOUN
fsr-3413	102	39	in	in	ADP
fsr-3413	102	40	the	the	DET
fsr-3413	102	41	past	past	ADJ
fsr-3413	102	42	five	five	NUM
fsr-3413	102	43	years	year	NOUN
fsr-3413	102	44	,	,	PUNCT
fsr-3413	102	45	or	or	CCONJ
fsr-3413	102	46	having	have	VERB
fsr-3413	102	47	a	a	DET
fsr-3413	102	48	shorter	short	ADJ
fsr-3413	102	49	saving	saving	NOUN
fsr-3413	102	50	horizon	horizon	NOUN
fsr-3413	102	51	;	;	PUNCT
fsr-3413	102	52	race	race	NOUN
fsr-3413	102	53	also	also	ADV
fsr-3413	102	54	significantly	significantly	ADV
fsr-3413	102	55	affected	affect	VERB
fsr-3413	102	56	risk	risk	NOUN
fsr-3413	102	57	tolerance	tolerance	NOUN
fsr-3413	102	58	.	.	PUNCT
fsr-3413	103	1	3	3	X
fsr-3413	103	2	.	.	X
fsr-3413	103	3	hypothesis	hypothesis	NOUN
fsr-3413	103	4	and	and	CCONJ
fsr-3413	103	5	research	research	NOUN
fsr-3413	103	6	questions	question	NOUN
fsr-3413	103	7	this	this	DET
fsr-3413	103	8	study	study	NOUN
fsr-3413	103	9	examines	examine	VERB
fsr-3413	103	10	whether	whether	SCONJ
fsr-3413	103	11	people	people	NOUN
fsr-3413	103	12	spend	spend	VERB
fsr-3413	103	13	the	the	DET
fsr-3413	103	14	same	same	ADJ
fsr-3413	103	15	proportion	proportion	NOUN
fsr-3413	103	16	of	of	ADP
fsr-3413	103	17	a	a	DET
fsr-3413	103	18	distribution	distribution	NOUN
fsr-3413	103	19	on	on	ADP
fsr-3413	103	20	fun	fun	ADJ
fsr-3413	103	21	categories	category	NOUN
fsr-3413	103	22	when	when	SCONJ
fsr-3413	103	23	the	the	DET
fsr-3413	103	24	windfall	windfall	NOUN
fsr-3413	103	25	source	source	NOUN
fsr-3413	103	26	is	be	AUX
fsr-3413	103	27	a	a	DET
fsr-3413	103	28	fun	fun	ADJ
fsr-3413	103	29	source	source	NOUN
fsr-3413	103	30	,	,	PUNCT
fsr-3413	103	31	like	like	ADP
fsr-3413	103	32	from	from	ADP
fsr-3413	103	33	a	a	DET
fsr-3413	103	34	gameshow	gameshow	NOUN
fsr-3413	103	35	,	,	PUNCT
fsr-3413	103	36	as	as	SCONJ
fsr-3413	103	37	they	they	PRON
fsr-3413	103	38	do	do	VERB
fsr-3413	103	39	when	when	SCONJ
fsr-3413	103	40	the	the	DET
fsr-3413	103	41	source	source	NOUN
fsr-3413	103	42	is	be	AUX
fsr-3413	103	43	less	less	ADV
fsr-3413	103	44	fun	fun	ADJ
fsr-3413	103	45	,	,	PUNCT
fsr-3413	103	46	like	like	ADP
fsr-3413	103	47	from	from	ADP
fsr-3413	103	48	a	a	DET
fsr-3413	103	49	tax	tax	NOUN
fsr-3413	103	50	rebate	rebate	NOUN
fsr-3413	103	51	.	.	PUNCT
fsr-3413	104	1	this	this	DET
fsr-3413	104	2	study	study	NOUN
fsr-3413	104	3	examines	examine	VERB
fsr-3413	104	4	the	the	DET
fsr-3413	104	5	spending	spending	NOUN
fsr-3413	104	6	from	from	ADP
fsr-3413	104	7	tax	tax	NOUN
fsr-3413	104	8	rebates	rebate	NOUN
fsr-3413	104	9	,	,	PUNCT
fsr-3413	104	10	game	game	NOUN
fsr-3413	104	11	show	show	NOUN
fsr-3413	104	12	winnings	winning	NOUN
fsr-3413	104	13	and	and	CCONJ
fsr-3413	104	14	bonuses	bonus	NOUN
fsr-3413	104	15	,	,	PUNCT
fsr-3413	104	16	which	which	PRON
fsr-3413	104	17	might	might	AUX
fsr-3413	104	18	be	be	AUX
fsr-3413	104	19	a	a	DET
fsr-3413	104	20	more	more	ADV
fsr-3413	104	21	neutral	neutral	ADJ
fsr-3413	104	22	benchmark	benchmark	NOUN
fsr-3413	104	23	.	.	PUNCT
fsr-3413	105	1	only	only	ADV
fsr-3413	105	2	windfall	windfall	NOUN
fsr-3413	105	3	earnings	earning	NOUN
fsr-3413	105	4	will	will	AUX
fsr-3413	105	5	be	be	AUX
fsr-3413	105	6	explored	explore	VERB
fsr-3413	105	7	,	,	PUNCT
fsr-3413	105	8	as	as	SCONJ
fsr-3413	105	9	literature	literature	NOUN
fsr-3413	105	10	indicates	indicate	VERB
fsr-3413	105	11	that	that	SCONJ
fsr-3413	105	12	amounts	amount	NOUN
fsr-3413	105	13	spent	spend	VERB
fsr-3413	105	14	from	from	ADP
fsr-3413	105	15	windfall	windfall	NOUN
fsr-3413	105	16	income	income	NOUN
fsr-3413	105	17	is	be	AUX
fsr-3413	105	18	spent	spend	VERB
fsr-3413	105	19	differently	differently	ADV
fsr-3413	105	20	from	from	ADP
fsr-3413	105	21	one	one	NUM
fsr-3413	105	22	’s	’s	PART
fsr-3413	105	23	regular	regular	ADJ
fsr-3413	105	24	income	income	NOUN
fsr-3413	105	25	(	(	PUNCT
fsr-3413	105	26	arkes	arke	NOUN
fsr-3413	105	27	et	et	NOUN
fsr-3413	105	28	al	al	PROPN
fsr-3413	105	29	.	.	PROPN
fsr-3413	105	30	,	,	PUNCT
fsr-3413	105	31	1994	1994	NUM
fsr-3413	105	32	;	;	PUNCT
fsr-3413	105	33	karlsson	karlsson	PROPN
fsr-3413	105	34	et	et	PROPN
fsr-3413	105	35	al	al	PROPN
fsr-3413	105	36	.	.	PROPN
fsr-3413	105	37	,	,	PUNCT
fsr-3413	105	38	1999	1999	NUM
fsr-3413	105	39	)	)	PUNCT
fsr-3413	105	40	.	.	PUNCT
fsr-3413	106	1	how	how	SCONJ
fsr-3413	106	2	might	might	AUX
fsr-3413	106	3	the	the	DET
fsr-3413	106	4	recipient	recipient	NOUN
fsr-3413	106	5	consider	consider	VERB
fsr-3413	106	6	these	these	DET
fsr-3413	106	7	sources	source	NOUN
fsr-3413	106	8	as	as	ADP
fsr-3413	106	9	similar	similar	ADJ
fsr-3413	106	10	or	or	CCONJ
fsr-3413	106	11	different	different	ADJ
fsr-3413	106	12	?	?	PUNCT
fsr-3413	107	1	tax	tax	NOUN
fsr-3413	107	2	systems	system	NOUN
fsr-3413	107	3	are	be	AUX
fsr-3413	107	4	run	run	VERB
fsr-3413	107	5	by	by	ADP
fsr-3413	107	6	a	a	DET
fsr-3413	107	7	government	government	NOUN
fsr-3413	107	8	or	or	CCONJ
fsr-3413	107	9	its	its	PRON
fsr-3413	107	10	appointed	appoint	VERB
fsr-3413	107	11	agency	agency	NOUN
fsr-3413	107	12	and	and	CCONJ
fsr-3413	107	13	are	be	AUX
fsr-3413	107	14	largely	largely	ADV
fsr-3413	107	15	outside	outside	ADP
fsr-3413	107	16	the	the	DET
fsr-3413	107	17	respondent	respondent	NOUN
fsr-3413	107	18	’s	’s	PART
fsr-3413	107	19	control	control	NOUN
fsr-3413	107	20	,	,	PUNCT
fsr-3413	107	21	whereas	whereas	SCONJ
fsr-3413	107	22	bonuses	bonus	NOUN
fsr-3413	107	23	and	and	CCONJ
fsr-3413	107	24	game	game	NOUN
fsr-3413	107	25	show	show	NOUN
fsr-3413	107	26	winnings	winning	NOUN
fsr-3413	107	27	are	be	AUX
fsr-3413	107	28	generally	generally	ADV
fsr-3413	107	29	run	run	VERB
fsr-3413	107	30	by	by	ADP
fsr-3413	107	31	private	private	ADJ
fsr-3413	107	32	enterprises	enterprise	NOUN
fsr-3413	107	33	and	and	CCONJ
fsr-3413	107	34	may	may	AUX
fsr-3413	107	35	have	have	VERB
fsr-3413	107	36	more	more	ADJ
fsr-3413	107	37	elements	element	NOUN
fsr-3413	107	38	of	of	ADP
fsr-3413	107	39	respondent	respondent	NOUN
fsr-3413	107	40	’s	’s	PART
fsr-3413	107	41	control	control	NOUN
fsr-3413	107	42	.	.	PUNCT
fsr-3413	108	1	to	to	ADP
fsr-3413	108	2	what	what	DET
fsr-3413	108	3	extent	extent	NOUN
fsr-3413	108	4	the	the	DET
fsr-3413	108	5	money	money	NOUN
fsr-3413	108	6	is	be	AUX
fsr-3413	108	7	“	"	PUNCT
fsr-3413	108	8	earned	earn	VERB
fsr-3413	108	9	”	"	PUNCT
fsr-3413	108	10	is	be	AUX
fsr-3413	108	11	debatable	debatable	ADJ
fsr-3413	108	12	,	,	PUNCT
fsr-3413	108	13	but	but	CCONJ
fsr-3413	108	14	bonuses	bonus	NOUN
fsr-3413	108	15	and	and	CCONJ
fsr-3413	108	16	game	game	NOUN
fsr-3413	108	17	show	show	NOUN
fsr-3413	108	18	winnings	winning	NOUN
fsr-3413	108	19	require	require	VERB
fsr-3413	108	20	some	some	DET
fsr-3413	108	21	personal	personal	ADJ
fsr-3413	108	22	skill	skill	NOUN
fsr-3413	108	23	,	,	PUNCT
fsr-3413	108	24	knowledge	knowledge	NOUN
fsr-3413	108	25	,	,	PUNCT
fsr-3413	108	26	and	and	CCONJ
fsr-3413	108	27	effort	effort	NOUN
fsr-3413	108	28	.	.	PUNCT
fsr-3413	109	1	tax	tax	NOUN
fsr-3413	109	2	rebates	rebate	NOUN
fsr-3413	109	3	sometimes	sometimes	ADV
fsr-3413	109	4	differ	differ	VERB
fsr-3413	109	5	from	from	ADP
fsr-3413	109	6	the	the	DET
fsr-3413	109	7	other	other	ADJ
fsr-3413	109	8	sources	source	NOUN
fsr-3413	109	9	of	of	ADP
fsr-3413	109	10	payment	payment	NOUN
fsr-3413	109	11	because	because	SCONJ
fsr-3413	109	12	the	the	DET
fsr-3413	109	13	tax	tax	NOUN
fsr-3413	109	14	rebate	rebate	NOUN
fsr-3413	109	15	is	be	AUX
fsr-3413	109	16	a	a	DET
fsr-3413	109	17	return	return	NOUN
fsr-3413	109	18	of	of	ADP
fsr-3413	109	19	the	the	DET
fsr-3413	109	20	taxpayer	taxpayer	NOUN
fsr-3413	109	21	’s	’s	PART
fsr-3413	109	22	withholdings	withholding	NOUN
fsr-3413	109	23	.	.	PUNCT
fsr-3413	110	1	that	that	PRON
fsr-3413	110	2	is	is	ADV
fsr-3413	110	3	,	,	PUNCT
fsr-3413	110	4	outside	outside	ADV
fsr-3413	110	5	of	of	ADP
fsr-3413	110	6	refundable	refundable	ADJ
fsr-3413	110	7	credits	credit	NOUN
fsr-3413	110	8	tied	tie	VERB
fsr-3413	110	9	to	to	ADP
fsr-3413	110	10	specific	specific	ADJ
fsr-3413	110	11	performance	performance	NOUN
fsr-3413	110	12	,	,	PUNCT
fsr-3413	110	13	respondents	respondent	NOUN
fsr-3413	110	14	generally	generally	ADV
fsr-3413	110	15	can	can	AUX
fsr-3413	110	16	not	not	PART
fsr-3413	110	17	materially	materially	ADV
fsr-3413	110	18	profit	profit	VERB
fsr-3413	110	19	from	from	ADP
fsr-3413	110	20	a	a	DET
fsr-3413	110	21	tax	tax	NOUN
fsr-3413	110	22	rebate	rebate	NOUN
fsr-3413	110	23	because	because	SCONJ
fsr-3413	110	24	it	it	PRON
fsr-3413	110	25	is	be	AUX
fsr-3413	110	26	a	a	DET
fsr-3413	110	27	return	return	NOUN
fsr-3413	110	28	of	of	ADP
fsr-3413	110	29	the	the	DET
fsr-3413	110	30	taxpayer	taxpayer	NOUN
fsr-3413	110	31	’s	’s	PART
fsr-3413	110	32	own	own	ADJ
fsr-3413	110	33	money	money	NOUN
fsr-3413	110	34	already	already	ADV
fsr-3413	110	35	paid	pay	VERB
fsr-3413	110	36	in	in	ADP
fsr-3413	110	37	but	but	CCONJ
fsr-3413	110	38	can	can	AUX
fsr-3413	110	39	profit	profit	VERB
fsr-3413	110	40	from	from	ADP
fsr-3413	110	41	a	a	DET
fsr-3413	110	42	game	game	NOUN
fsr-3413	110	43	show	show	NOUN
fsr-3413	110	44	winning	winning	NOUN
fsr-3413	110	45	or	or	CCONJ
fsr-3413	110	46	bonus	bonus	NOUN
fsr-3413	110	47	.	.	PUNCT
fsr-3413	111	1	some	some	DET
fsr-3413	111	2	political	political	ADJ
fsr-3413	111	3	rhetoric	rhetoric	NOUN
fsr-3413	111	4	frames	frame	VERB
fsr-3413	111	5	taxes	taxis	NOUN
fsr-3413	111	6	as	as	ADP
fsr-3413	111	7	money	money	NOUN
fsr-3413	111	8	belonging	belong	VERB
fsr-3413	111	9	fundamentally	fundamentally	ADV
fsr-3413	111	10	to	to	ADP
fsr-3413	111	11	taxpayers	taxpayer	NOUN
fsr-3413	111	12	,	,	PUNCT
fsr-3413	111	13	not	not	PART
fsr-3413	111	14	the	the	DET
fsr-3413	111	15	government	government	NOUN
fsr-3413	111	16	,	,	PUNCT
fsr-3413	111	17	whereas	whereas	SCONJ
fsr-3413	111	18	bonuses	bonus	NOUN
fsr-3413	111	19	and	and	CCONJ
fsr-3413	111	20	game	game	NOUN
fsr-3413	111	21	show	show	NOUN
fsr-3413	111	22	winnings	winning	NOUN
fsr-3413	111	23	come	come	VERB
fsr-3413	111	24	with	with	ADP
fsr-3413	111	25	less	less	ADJ
fsr-3413	111	26	of	of	ADP
fsr-3413	111	27	an	an	DET
fsr-3413	111	28	entitlement	entitlement	NOUN
fsr-3413	111	29	.	.	PUNCT
fsr-3413	112	1	bonuses	bonus	NOUN
fsr-3413	112	2	are	be	AUX
fsr-3413	112	3	likely	likely	ADJ
fsr-3413	112	4	to	to	PART
fsr-3413	112	5	be	be	AUX
fsr-3413	112	6	closely	closely	ADV
fsr-3413	112	7	tied	tie	VERB
fsr-3413	112	8	to	to	ADP
fsr-3413	112	9	an	an	DET
fsr-3413	112	10	individual	individual	NOUN
fsr-3413	112	11	’s	’s	PART
fsr-3413	112	12	performance	performance	NOUN
fsr-3413	112	13	,	,	PUNCT
fsr-3413	112	14	however	however	ADV
fsr-3413	112	15	.	.	PUNCT
fsr-3413	113	1	game	game	NOUN
fsr-3413	113	2	show	show	NOUN
fsr-3413	113	3	winnings	winning	NOUN
fsr-3413	113	4	might	might	AUX
fsr-3413	113	5	be	be	AUX
fsr-3413	113	6	as	as	ADV
fsr-3413	113	7	well	well	ADV
fsr-3413	113	8	,	,	PUNCT
fsr-3413	113	9	if	if	SCONJ
fsr-3413	113	10	the	the	DET
fsr-3413	113	11	winner	winner	NOUN
fsr-3413	113	12	attributes	attribute	VERB
fsr-3413	113	13	success	success	NOUN
fsr-3413	113	14	to	to	ADP
fsr-3413	113	15	having	have	VERB
fsr-3413	113	16	a	a	DET
fsr-3413	113	17	higher	high	ADJ
fsr-3413	113	18	skill	skill	NOUN
fsr-3413	113	19	level	level	NOUN
fsr-3413	113	20	than	than	ADP
fsr-3413	113	21	fellow	fellow	ADJ
fsr-3413	113	22	contestants	contestant	NOUN
fsr-3413	113	23	.	.	PUNCT
fsr-3413	114	1	in	in	ADP
fsr-3413	114	2	addition	addition	NOUN
fsr-3413	114	3	,	,	PUNCT
fsr-3413	114	4	collecting	collect	VERB
fsr-3413	114	5	a	a	DET
fsr-3413	114	6	bonus	bonus	NOUN
fsr-3413	114	7	or	or	CCONJ
fsr-3413	114	8	a	a	DET
fsr-3413	114	9	tax	tax	NOUN
fsr-3413	114	10	rebate	rebate	NOUN
fsr-3413	114	11	may	may	AUX
fsr-3413	114	12	be	be	AUX
fsr-3413	114	13	repeatable	repeatable	ADJ
fsr-3413	114	14	.	.	PUNCT
fsr-3413	115	1	one	one	PRON
fsr-3413	115	2	could	could	AUX
fsr-3413	115	3	not	not	PART
fsr-3413	115	4	count	count	VERB
fsr-3413	115	5	on	on	ADP
fsr-3413	115	6	or	or	CCONJ
fsr-3413	115	7	control	control	NOUN
fsr-3413	115	8	repeating	repeat	VERB
fsr-3413	115	9	a	a	DET
fsr-3413	115	10	game	game	NOUN
fsr-3413	115	11	show	show	NOUN
fsr-3413	115	12	winning	win	VERB
fsr-3413	115	13	.	.	PUNCT
fsr-3413	116	1	additional	additional	ADJ
fsr-3413	116	2	differences	difference	NOUN
fsr-3413	116	3	in	in	ADP
fsr-3413	116	4	affective	affective	ADJ
fsr-3413	116	5	“	"	PUNCT
fsr-3413	116	6	euphoria	euphoria	NOUN
fsr-3413	116	7	”	"	PUNCT
fsr-3413	116	8	surround	surround	VERB
fsr-3413	116	9	these	these	DET
fsr-3413	116	10	payments	payment	NOUN
fsr-3413	116	11	.	.	PUNCT
fsr-3413	117	1	it	it	PRON
fsr-3413	117	2	is	be	AUX
fsr-3413	117	3	unlikely	unlikely	ADJ
fsr-3413	117	4	that	that	SCONJ
fsr-3413	117	5	there	there	PRON
fsr-3413	117	6	will	will	AUX
fsr-3413	117	7	be	be	AUX
fsr-3413	117	8	a	a	DET
fsr-3413	117	9	tv	tv	NOUN
fsr-3413	117	10	commercial	commercial	NOUN
fsr-3413	117	11	asking	asking	NOUN
fsr-3413	117	12	,	,	PUNCT
fsr-3413	117	13	“	"	PUNCT
fsr-3413	117	14	you	you	PRON
fsr-3413	117	15	just	just	ADV
fsr-3413	117	16	got	get	VERB
fsr-3413	117	17	a	a	DET
fsr-3413	117	18	tax	tax	NOUN
fsr-3413	117	19	rebate	rebate	NOUN
fsr-3413	117	20	,	,	PUNCT
fsr-3413	117	21	what	what	PRON
fsr-3413	117	22	are	be	AUX
fsr-3413	117	23	you	you	PRON
fsr-3413	117	24	going	go	VERB
fsr-3413	117	25	to	to	PART
fsr-3413	117	26	do	do	VERB
fsr-3413	117	27	?	?	PUNCT
fsr-3413	117	28	”	"	PUNCT
fsr-3413	118	1	“	"	PUNCT
fsr-3413	118	2	i	i	PRON
fsr-3413	118	3	’m	’m	AUX
fsr-3413	118	4	going	go	VERB
fsr-3413	118	5	to	to	ADP
fsr-3413	118	6	disney	disney	NOUN
fsr-3413	118	7	world	world	NOUN
fsr-3413	118	8	!	!	PUNCT
fsr-3413	118	9	”	"	PUNCT
fsr-3413	119	1	however	however	ADV
fsr-3413	119	2	,	,	PUNCT
fsr-3413	119	3	winning	win	VERB
fsr-3413	119	4	a	a	DET
fsr-3413	119	5	game	game	NOUN
fsr-3413	119	6	show	show	NOUN
fsr-3413	119	7	,	,	PUNCT
fsr-3413	119	8	or	or	CCONJ
fsr-3413	119	9	perhaps	perhaps	ADV
fsr-3413	119	10	even	even	ADV
fsr-3413	119	11	earning	earn	VERB
fsr-3413	119	12	a	a	DET
fsr-3413	119	13	bonus	bonus	NOUN
fsr-3413	119	14	may	may	AUX
fsr-3413	119	15	be	be	AUX
fsr-3413	119	16	cause	cause	NOUN
fsr-3413	119	17	for	for	ADP
fsr-3413	119	18	celebration	celebration	NOUN
fsr-3413	119	19	.	.	PUNCT
fsr-3413	120	1	if	if	SCONJ
fsr-3413	120	2	the	the	DET
fsr-3413	120	3	mental	mental	ADJ
fsr-3413	120	4	frame	frame	NOUN
fsr-3413	120	5	of	of	ADP
fsr-3413	120	6	the	the	DET
fsr-3413	120	7	windfall	windfall	NOUN
fsr-3413	120	8	is	be	AUX
fsr-3413	120	9	celebratory	celebratory	NOUN
fsr-3413	120	10	,	,	PUNCT
fsr-3413	120	11	then	then	ADV
fsr-3413	120	12	21e	21e	NUM
fsr-3413	120	13	.	.	PUNCT
fsr-3413	121	1	bland	bland	ADJ
fsr-3413	121	2	,	,	PUNCT
fsr-3413	121	3	v.	v.	ADP
fsr-3413	121	4	chambers	chambers	PROPN
fsr-3413	121	5	/	/	SYM
fsr-3413	121	6	financial	financial	ADJ
fsr-3413	121	7	services	service	NOUN
fsr-3413	121	8	review	review	VERB
fsr-3413	121	9	28	28	NUM
fsr-3413	121	10	(	(	PUNCT
fsr-3413	121	11	2020	2020	NUM
fsr-3413	121	12	)	)	PUNCT
fsr-3413	121	13	17	17	NUM
fsr-3413	121	14	-	-	SYM
fsr-3413	121	15	34	34	NUM
fsr-3413	121	16	perhaps	perhaps	ADV
fsr-3413	121	17	the	the	DET
fsr-3413	121	18	spending	spending	NOUN
fsr-3413	121	19	will	will	AUX
fsr-3413	121	20	be	be	AUX
fsr-3413	121	21	directed	direct	VERB
fsr-3413	121	22	more	more	ADV
fsr-3413	121	23	toward	toward	ADP
fsr-3413	121	24	celebrations	celebration	NOUN
fsr-3413	121	25	and	and	CCONJ
fsr-3413	121	26	fun	fun	NOUN
fsr-3413	121	27	than	than	SCONJ
fsr-3413	121	28	if	if	SCONJ
fsr-3413	121	29	the	the	DET
fsr-3413	121	30	windfall	windfall	NOUN
fsr-3413	121	31	was	be	AUX
fsr-3413	121	32	from	from	ADP
fsr-3413	121	33	a	a	DET
fsr-3413	121	34	tax	tax	NOUN
fsr-3413	121	35	rebate	rebate	NOUN
fsr-3413	121	36	.	.	PUNCT
fsr-3413	122	1	alternatively	alternatively	ADV
fsr-3413	122	2	,	,	PUNCT
fsr-3413	122	3	if	if	SCONJ
fsr-3413	122	4	the	the	DET
fsr-3413	122	5	recipient	recipient	NOUN
fsr-3413	122	6	were	be	AUX
fsr-3413	122	7	looking	look	VERB
fsr-3413	122	8	to	to	PART
fsr-3413	122	9	brag	brag	VERB
fsr-3413	122	10	about	about	ADP
fsr-3413	122	11	or	or	CCONJ
fsr-3413	122	12	show	show	VERB
fsr-3413	122	13	off	off	ADP
fsr-3413	122	14	their	their	PRON
fsr-3413	122	15	good	good	ADJ
fsr-3413	122	16	fortune	fortune	NOUN
fsr-3413	122	17	,	,	PUNCT
fsr-3413	122	18	they	they	PRON
fsr-3413	122	19	may	may	AUX
fsr-3413	122	20	be	be	AUX
fsr-3413	122	21	more	more	ADV
fsr-3413	122	22	likely	likely	ADJ
fsr-3413	122	23	to	to	PART
fsr-3413	122	24	spend	spend	VERB
fsr-3413	122	25	it	it	PRON
fsr-3413	122	26	conspicuously	conspicuously	ADV
fsr-3413	122	27	on	on	ADP
fsr-3413	122	28	fun	fun	NOUN
fsr-3413	122	29	than	than	ADP
fsr-3413	122	30	on	on	ADP
fsr-3413	122	31	regular	regular	ADJ
fsr-3413	122	32	household	household	NOUN
fsr-3413	122	33	expenses	expense	NOUN
fsr-3413	122	34	.	.	PUNCT
fsr-3413	123	1	they	they	PRON
fsr-3413	123	2	may	may	AUX
fsr-3413	123	3	allocate	allocate	VERB
fsr-3413	123	4	more	more	ADV
fsr-3413	123	5	toward	toward	ADP
fsr-3413	123	6	an	an	DET
fsr-3413	123	7	infrequent	infrequent	ADJ
fsr-3413	123	8	expense	expense	NOUN
fsr-3413	123	9	such	such	ADJ
fsr-3413	123	10	as	as	ADP
fsr-3413	123	11	a	a	DET
fsr-3413	123	12	vacation	vacation	NOUN
fsr-3413	123	13	,	,	PUNCT
fsr-3413	123	14	bigger	big	ADJ
fsr-3413	123	15	holiday	holiday	NOUN
fsr-3413	123	16	gifts	gift	NOUN
fsr-3413	123	17	,	,	PUNCT
fsr-3413	123	18	or	or	CCONJ
fsr-3413	123	19	something	something	PRON
fsr-3413	123	20	they	they	PRON
fsr-3413	123	21	have	have	AUX
fsr-3413	123	22	always	always	ADV
fsr-3413	123	23	wanted	want	VERB
fsr-3413	123	24	.	.	PUNCT
fsr-3413	124	1	differences	difference	NOUN
fsr-3413	124	2	in	in	ADP
fsr-3413	124	3	the	the	DET
fsr-3413	124	4	amount	amount	NOUN
fsr-3413	124	5	spent	spend	VERB
fsr-3413	124	6	by	by	ADP
fsr-3413	124	7	classification	classification	NOUN
fsr-3413	124	8	and	and	CCONJ
fsr-3413	124	9	by	by	ADP
fsr-3413	124	10	source	source	NOUN
fsr-3413	124	11	are	be	AUX
fsr-3413	124	12	to	to	PART
fsr-3413	124	13	be	be	AUX
fsr-3413	124	14	expected	expect	VERB
fsr-3413	124	15	,	,	PUNCT
fsr-3413	124	16	but	but	CCONJ
fsr-3413	124	17	no	no	DET
fsr-3413	124	18	source	source	NOUN
fsr-3413	124	19	is	be	AUX
fsr-3413	124	20	absolute	absolute	ADJ
fsr-3413	124	21	and	and	CCONJ
fsr-3413	124	22	completely	completely	ADV
fsr-3413	124	23	separate	separate	ADJ
fsr-3413	124	24	in	in	ADP
fsr-3413	124	25	characteristics	characteristic	NOUN
fsr-3413	124	26	from	from	ADP
fsr-3413	124	27	the	the	DET
fsr-3413	124	28	other	other	ADJ
fsr-3413	124	29	sources	source	NOUN
fsr-3413	124	30	,	,	PUNCT
fsr-3413	124	31	biasing	bias	VERB
fsr-3413	124	32	against	against	ADP
fsr-3413	124	33	finding	find	VERB
fsr-3413	124	34	any	any	DET
fsr-3413	124	35	differences	difference	NOUN
fsr-3413	124	36	.	.	PUNCT
fsr-3413	125	1	basically	basically	ADV
fsr-3413	125	2	,	,	PUNCT
fsr-3413	125	3	our	our	PRON
fsr-3413	125	4	hypothesis	hypothesis	NOUN
fsr-3413	125	5	is	be	AUX
fsr-3413	125	6	that	that	SCONJ
fsr-3413	125	7	the	the	DET
fsr-3413	125	8	more	more	ADV
fsr-3413	125	9	euphoric	euphoric	ADJ
fsr-3413	125	10	and	and	CCONJ
fsr-3413	125	11	hedonistic	hedonistic	ADJ
fsr-3413	125	12	the	the	DET
fsr-3413	125	13	source	source	NOUN
fsr-3413	125	14	,	,	PUNCT
fsr-3413	125	15	like	like	ADP
fsr-3413	125	16	game	game	NOUN
fsr-3413	125	17	show	show	NOUN
fsr-3413	125	18	winnings	winning	NOUN
fsr-3413	125	19	,	,	PUNCT
fsr-3413	125	20	the	the	DET
fsr-3413	125	21	more	more	ADJ
fsr-3413	125	22	one	one	NOUN
fsr-3413	125	23	would	would	AUX
fsr-3413	125	24	spend	spend	VERB
fsr-3413	125	25	on	on	ADP
fsr-3413	125	26	fun	fun	NOUN
fsr-3413	125	27	.	.	PUNCT
fsr-3413	126	1	alternatively	alternatively	ADV
fsr-3413	126	2	,	,	PUNCT
fsr-3413	126	3	the	the	DET
fsr-3413	126	4	more	more	ADV
fsr-3413	126	5	adult	adult	NOUN
fsr-3413	126	6	the	the	DET
fsr-3413	126	7	source	source	NOUN
fsr-3413	126	8	of	of	ADP
fsr-3413	126	9	the	the	DET
fsr-3413	126	10	windfall	windfall	NOUN
fsr-3413	126	11	,	,	PUNCT
fsr-3413	126	12	such	such	ADJ
fsr-3413	126	13	as	as	ADP
fsr-3413	126	14	a	a	DET
fsr-3413	126	15	tax	tax	NOUN
fsr-3413	126	16	rebate	rebate	NOUN
fsr-3413	126	17	,	,	PUNCT
fsr-3413	126	18	the	the	DET
fsr-3413	126	19	more	more	ADJ
fsr-3413	126	20	one	one	NOUN
fsr-3413	126	21	would	would	AUX
fsr-3413	126	22	allocate	allocate	VERB
fsr-3413	126	23	to	to	ADP
fsr-3413	126	24	more	more	ADJ
fsr-3413	126	25	“	"	PUNCT
fsr-3413	126	26	responsible	responsible	ADJ
fsr-3413	126	27	”	"	PUNCT
fsr-3413	126	28	uses	use	NOUN
fsr-3413	126	29	,	,	PUNCT
fsr-3413	126	30	like	like	ADP
fsr-3413	126	31	investing	invest	VERB
fsr-3413	126	32	in	in	ADP
fsr-3413	126	33	stocks	stock	NOUN
fsr-3413	126	34	and	and	CCONJ
fsr-3413	126	35	bonds	bond	NOUN
fsr-3413	126	36	,	,	PUNCT
fsr-3413	126	37	or	or	CCONJ
fsr-3413	126	38	household	household	NOUN
fsr-3413	126	39	expenses	expense	NOUN
fsr-3413	126	40	and	and	CCONJ
fsr-3413	126	41	durable	durable	ADJ
fsr-3413	126	42	goods	good	NOUN
fsr-3413	126	43	,	,	PUNCT
fsr-3413	126	44	such	such	ADJ
fsr-3413	126	45	as	as	ADP
fsr-3413	126	46	a	a	DET
fsr-3413	126	47	car	car	NOUN
fsr-3413	126	48	or	or	CCONJ
fsr-3413	126	49	washing	washing	NOUN
fsr-3413	126	50	machine	machine	NOUN
fsr-3413	126	51	.	.	PUNCT
fsr-3413	127	1	in	in	ADP
fsr-3413	127	2	testing	test	VERB
fsr-3413	127	3	these	these	DET
fsr-3413	127	4	hypotheses	hypothesis	NOUN
fsr-3413	127	5	,	,	PUNCT
fsr-3413	127	6	the	the	DET
fsr-3413	127	7	amount	amount	NOUN
fsr-3413	127	8	of	of	ADP
fsr-3413	127	9	the	the	DET
fsr-3413	127	10	income	income	NOUN
fsr-3413	127	11	in	in	ADP
fsr-3413	127	12	dollars	dollar	NOUN
fsr-3413	127	13	and	and	CCONJ
fsr-3413	127	14	relative	relative	ADJ
fsr-3413	127	15	to	to	ADP
fsr-3413	127	16	household	household	NOUN
fsr-3413	127	17	income	income	NOUN
fsr-3413	127	18	,	,	PUNCT
fsr-3413	127	19	the	the	DET
fsr-3413	127	20	amount	amount	NOUN
fsr-3413	127	21	of	of	ADP
fsr-3413	127	22	the	the	DET
fsr-3413	127	23	payment	payment	NOUN
fsr-3413	127	24	,	,	PUNCT
fsr-3413	127	25	the	the	DET
fsr-3413	127	26	respondent	respondent	NOUN
fsr-3413	127	27	’s	’s	PART
fsr-3413	127	28	habit	habit	NOUN
fsr-3413	127	29	of	of	ADP
fsr-3413	127	30	spending	spending	NOUN
fsr-3413	127	31	or	or	CCONJ
fsr-3413	127	32	saving	saving	NOUN
fsr-3413	127	33	,	,	PUNCT
fsr-3413	127	34	the	the	DET
fsr-3413	127	35	order	order	NOUN
fsr-3413	127	36	of	of	ADP
fsr-3413	127	37	presentation	presentation	NOUN
fsr-3413	127	38	,	,	PUNCT
fsr-3413	127	39	the	the	DET
fsr-3413	127	40	frequency	frequency	NOUN
fsr-3413	127	41	of	of	ADP
fsr-3413	127	42	payments	payment	NOUN
fsr-3413	127	43	and	and	CCONJ
fsr-3413	127	44	the	the	DET
fsr-3413	127	45	demographic	demographic	ADJ
fsr-3413	127	46	characteristics	characteristic	NOUN
fsr-3413	127	47	of	of	ADP
fsr-3413	127	48	the	the	DET
fsr-3413	127	49	respondents	respondent	NOUN
fsr-3413	127	50	will	will	AUX
fsr-3413	127	51	be	be	AUX
fsr-3413	127	52	controlled	control	VERB
fsr-3413	127	53	for	for	ADP
fsr-3413	127	54	.	.	PUNCT
fsr-3413	128	1	with	with	ADP
fsr-3413	128	2	that	that	PRON
fsr-3413	128	3	in	in	ADP
fsr-3413	128	4	mind	mind	NOUN
fsr-3413	128	5	,	,	PUNCT
fsr-3413	128	6	the	the	DET
fsr-3413	128	7	null	null	ADJ
fsr-3413	128	8	hypotheses	hypothesis	NOUN
fsr-3413	128	9	are	be	AUX
fsr-3413	128	10	:	:	PUNCT
fsr-3413	128	11	hypothesis	hypothesis	NOUN
fsr-3413	128	12	1	1	NUM
fsr-3413	128	13	:	:	PUNCT
fsr-3413	128	14	there	there	PRON
fsr-3413	128	15	will	will	AUX
fsr-3413	128	16	be	be	AUX
fsr-3413	128	17	no	no	DET
fsr-3413	128	18	difference	difference	NOUN
fsr-3413	128	19	in	in	ADP
fsr-3413	128	20	spending	spending	NOUN
fsr-3413	128	21	on	on	ADP
fsr-3413	128	22	“	"	PUNCT
fsr-3413	128	23	fun	fun	NOUN
fsr-3413	128	24	”	"	PUNCT
fsr-3413	128	25	by	by	ADP
fsr-3413	128	26	source	source	NOUN
fsr-3413	128	27	of	of	ADP
fsr-3413	128	28	windfall	windfall	NOUN
fsr-3413	128	29	.	.	PUNCT
fsr-3413	129	1	hypothesis	hypothesis	NOUN
fsr-3413	129	2	2	2	NUM
fsr-3413	129	3	:	:	PUNCT
fsr-3413	129	4	there	there	PRON
fsr-3413	129	5	will	will	AUX
fsr-3413	129	6	be	be	AUX
fsr-3413	129	7	no	no	DET
fsr-3413	129	8	difference	difference	NOUN
fsr-3413	129	9	in	in	ADP
fsr-3413	129	10	allocations	allocation	NOUN
fsr-3413	129	11	for	for	ADP
fsr-3413	129	12	regular	regular	ADJ
fsr-3413	129	13	expenses	expense	NOUN
fsr-3413	129	14	,	,	PUNCT
fsr-3413	129	15	credit	credit	NOUN
fsr-3413	129	16	card	card	NOUN
fsr-3413	129	17	payments	payment	NOUN
fsr-3413	129	18	,	,	PUNCT
fsr-3413	129	19	durable	durable	ADJ
fsr-3413	129	20	assets	asset	NOUN
fsr-3413	129	21	or	or	CCONJ
fsr-3413	129	22	investing	invest	VERB
fsr-3413	129	23	in	in	ADP
fsr-3413	129	24	stocks	stock	NOUN
fsr-3413	129	25	,	,	PUNCT
fsr-3413	129	26	bonds	bond	NOUN
fsr-3413	129	27	and	and	CCONJ
fsr-3413	129	28	savings	saving	NOUN
fsr-3413	129	29	account	account	NOUN
fsr-3413	129	30	(	(	PUNCT
fsr-3413	129	31	adult	adult	NOUN
fsr-3413	129	32	uses	use	NOUN
fsr-3413	129	33	of	of	ADP
fsr-3413	129	34	funds	fund	NOUN
fsr-3413	129	35	)	)	PUNCT
fsr-3413	129	36	by	by	ADP
fsr-3413	129	37	source	source	NOUN
fsr-3413	129	38	of	of	ADP
fsr-3413	129	39	windfall	windfall	NOUN
fsr-3413	129	40	.	.	PUNCT
fsr-3413	130	1	additionally	additionally	ADV
fsr-3413	130	2	,	,	PUNCT
fsr-3413	130	3	if	if	SCONJ
fsr-3413	130	4	either	either	PRON
fsr-3413	130	5	of	of	ADP
fsr-3413	130	6	these	these	DET
fsr-3413	130	7	hypotheses	hypothesis	NOUN
fsr-3413	130	8	produce	produce	VERB
fsr-3413	130	9	significant	significant	ADJ
fsr-3413	130	10	findings	finding	NOUN
fsr-3413	130	11	,	,	PUNCT
fsr-3413	130	12	the	the	DET
fsr-3413	130	13	sensitivity	sensitivity	NOUN
fsr-3413	130	14	of	of	ADP
fsr-3413	130	15	the	the	DET
fsr-3413	130	16	spending	spending	NOUN
fsr-3413	130	17	pattern	pattern	NOUN
fsr-3413	130	18	will	will	AUX
fsr-3413	130	19	be	be	AUX
fsr-3413	130	20	analyzed	analyze	VERB
fsr-3413	130	21	to	to	PART
fsr-3413	130	22	answer	answer	VERB
fsr-3413	130	23	the	the	DET
fsr-3413	130	24	research	research	NOUN
fsr-3413	130	25	question	question	NOUN
fsr-3413	130	26	:	:	PUNCT
fsr-3413	130	27	rq1	rq1	NOUN
fsr-3413	130	28	:	:	PUNCT
fsr-3413	130	29	is	be	AUX
fsr-3413	130	30	the	the	DET
fsr-3413	130	31	amount	amount	NOUN
fsr-3413	130	32	spent	spend	VERB
fsr-3413	130	33	on	on	ADP
fsr-3413	130	34	fun	fun	NOUN
fsr-3413	130	35	or	or	CCONJ
fsr-3413	130	36	adult	adult	NOUN
fsr-3413	130	37	uses	use	NOUN
fsr-3413	130	38	bounded	bound	VERB
fsr-3413	130	39	at	at	ADP
fsr-3413	130	40	a	a	DET
fsr-3413	130	41	fixed	fix	VERB
fsr-3413	130	42	dollar	dollar	NOUN
fsr-3413	130	43	amount	amount	NOUN
fsr-3413	130	44	or	or	CCONJ
fsr-3413	130	45	a	a	DET
fsr-3413	130	46	relative	relative	ADJ
fsr-3413	130	47	percentage	percentage	NOUN
fsr-3413	130	48	of	of	ADP
fsr-3413	130	49	the	the	DET
fsr-3413	130	50	amount	amount	NOUN
fsr-3413	130	51	received	receive	VERB
fsr-3413	130	52	,	,	PUNCT
fsr-3413	130	53	or	or	CCONJ
fsr-3413	130	54	is	be	AUX
fsr-3413	130	55	it	it	PRON
fsr-3413	130	56	relatively	relatively	ADV
fsr-3413	130	57	elastic	elastic	ADJ
fsr-3413	130	58	?	?	PUNCT
fsr-3413	131	1	this	this	DET
fsr-3413	131	2	research	research	NOUN
fsr-3413	131	3	question	question	NOUN
fsr-3413	131	4	,	,	PUNCT
fsr-3413	131	5	we	we	PRON
fsr-3413	131	6	believe	believe	VERB
fsr-3413	131	7	,	,	PUNCT
fsr-3413	131	8	has	have	AUX
fsr-3413	131	9	been	be	AUX
fsr-3413	131	10	previously	previously	ADV
fsr-3413	131	11	unexplored	unexplored	ADJ
fsr-3413	131	12	in	in	ADP
fsr-3413	131	13	research	research	NOUN
fsr-3413	131	14	literature	literature	NOUN
fsr-3413	131	15	and	and	CCONJ
fsr-3413	131	16	represents	represent	VERB
fsr-3413	131	17	a	a	DET
fsr-3413	131	18	contribution	contribution	NOUN
fsr-3413	131	19	to	to	ADP
fsr-3413	131	20	the	the	DET
fsr-3413	131	21	knowledge	knowledge	NOUN
fsr-3413	131	22	of	of	ADP
fsr-3413	131	23	the	the	DET
fsr-3413	131	24	field	field	NOUN
fsr-3413	131	25	.	.	PUNCT
fsr-3413	132	1	4	4	X
fsr-3413	132	2	.	.	X
fsr-3413	132	3	method	method	VERB
fsr-3413	132	4	this	this	DET
fsr-3413	132	5	study	study	NOUN
fsr-3413	132	6	examined	examine	VERB
fsr-3413	132	7	respondents	respondent	NOUN
fsr-3413	132	8	’	'	PUNCT
fsr-3413	132	9	intended	intend	VERB
fsr-3413	132	10	uses	use	NOUN
fsr-3413	132	11	of	of	ADP
fsr-3413	132	12	hypothetical	hypothetical	ADJ
fsr-3413	132	13	windfalls	windfall	NOUN
fsr-3413	132	14	.	.	PUNCT
fsr-3413	133	1	sheppard	sheppard	PROPN
fsr-3413	133	2	et	et	PROPN
fsr-3413	133	3	al	al	PROPN
fsr-3413	133	4	.	.	PROPN
fsr-3413	133	5	’s	’s	PART
fsr-3413	133	6	(	(	PUNCT
fsr-3413	133	7	1988	1988	NUM
fsr-3413	133	8	)	)	PUNCT
fsr-3413	133	9	meta	meta	NOUN
fsr-3413	133	10	-	-	PUNCT
fsr-3413	133	11	analysis	analysis	NOUN
fsr-3413	133	12	of	of	ADP
fsr-3413	133	13	86	86	NUM
fsr-3413	133	14	theory	theory	NOUN
fsr-3413	133	15	-	-	PUNCT
fsr-3413	133	16	of	of	ADP
fsr-3413	133	17	-	-	PUNCT
fsr-3413	133	18	reasoned	reason	VERB
fsr-3413	133	19	-	-	PUNCT
fsr-3413	133	20	action	action	NOUN
fsr-3413	133	21	studies	study	NOUN
fsr-3413	133	22	found	find	VERB
fsr-3413	133	23	a	a	DET
fsr-3413	133	24	0.53	0.53	NUM
fsr-3413	133	25	correlation	correlation	NOUN
fsr-3413	133	26	between	between	ADP
fsr-3413	133	27	intention	intention	NOUN
fsr-3413	133	28	and	and	CCONJ
fsr-3413	133	29	behavior	behavior	NOUN
fsr-3413	133	30	,	,	PUNCT
fsr-3413	133	31	indicating	indicate	VERB
fsr-3413	133	32	that	that	SCONJ
fsr-3413	133	33	intent	intent	NOUN
fsr-3413	133	34	is	be	AUX
fsr-3413	133	35	a	a	DET
fsr-3413	133	36	strong	strong	ADJ
fsr-3413	133	37	predictor	predictor	NOUN
fsr-3413	133	38	of	of	ADP
fsr-3413	133	39	action	action	NOUN
fsr-3413	133	40	.	.	PUNCT
fsr-3413	134	1	in	in	ADP
fsr-3413	134	2	this	this	DET
fsr-3413	134	3	study	study	NOUN
fsr-3413	134	4	,	,	PUNCT
fsr-3413	134	5	the	the	DET
fsr-3413	134	6	intended	intend	VERB
fsr-3413	134	7	spending	spending	NOUN
fsr-3413	134	8	/	/	SYM
fsr-3413	134	9	saving	save	VERB
fsr-3413	134	10	patterns	pattern	NOUN
fsr-3413	134	11	of	of	ADP
fsr-3413	134	12	respondents	respondent	NOUN
fsr-3413	134	13	were	be	AUX
fsr-3413	134	14	gathered	gather	VERB
fsr-3413	134	15	through	through	ADP
fsr-3413	134	16	80	80	NUM
fsr-3413	134	17	different	different	ADJ
fsr-3413	134	18	paper	paper	NOUN
fsr-3413	134	19	-	-	PUNCT
fsr-3413	134	20	and	and	CCONJ
fsr-3413	134	21	-	-	PUNCT
fsr-3413	134	22	pencil	pencil	NOUN
fsr-3413	134	23	instruments	instrument	NOUN
fsr-3413	134	24	through	through	ADP
fsr-3413	134	25	students	student	NOUN
fsr-3413	134	26	’	’	PART
fsr-3413	134	27	professors	professor	NOUN
fsr-3413	134	28	at	at	ADP
fsr-3413	134	29	seven	seven	NUM
fsr-3413	134	30	universities	university	NOUN
fsr-3413	134	31	.	.	PUNCT
fsr-3413	135	1	professors	professor	NOUN
fsr-3413	135	2	familiar	familiar	ADJ
fsr-3413	135	3	with	with	ADP
fsr-3413	135	4	this	this	DET
fsr-3413	135	5	type	type	NOUN
fsr-3413	135	6	of	of	ADP
fsr-3413	135	7	research	research	NOUN
fsr-3413	135	8	gathered	gather	VERB
fsr-3413	135	9	the	the	DET
fsr-3413	135	10	responses	response	NOUN
fsr-3413	135	11	,	,	PUNCT
fsr-3413	135	12	sometimes	sometimes	ADV
fsr-3413	135	13	providing	provide	VERB
fsr-3413	135	14	a	a	DET
fsr-3413	135	15	negligible	negligible	ADJ
fsr-3413	135	16	amount	amount	NOUN
fsr-3413	135	17	of	of	ADP
fsr-3413	135	18	extra	extra	ADJ
fsr-3413	135	19	credit	credit	NOUN
fsr-3413	135	20	,	,	PUNCT
fsr-3413	135	21	and	and	CCONJ
fsr-3413	135	22	returned	return	VERB
fsr-3413	135	23	the	the	DET
fsr-3413	135	24	responses	response	NOUN
fsr-3413	135	25	to	to	ADP
fsr-3413	135	26	the	the	DET
fsr-3413	135	27	authors	author	NOUN
fsr-3413	135	28	.	.	PUNCT
fsr-3413	136	1	each	each	DET
fsr-3413	136	2	participant	participant	NOUN
fsr-3413	136	3	was	be	AUX
fsr-3413	136	4	given	give	VERB
fsr-3413	136	5	one	one	NUM
fsr-3413	136	6	of	of	ADP
fsr-3413	136	7	these	these	DET
fsr-3413	136	8	80	80	NUM
fsr-3413	136	9	instruments	instrument	NOUN
fsr-3413	136	10	at	at	ADP
fsr-3413	136	11	random	random	ADJ
fsr-3413	136	12	,	,	PUNCT
fsr-3413	136	13	which	which	PRON
fsr-3413	136	14	contained	contain	VERB
fsr-3413	136	15	identical	identical	ADJ
fsr-3413	136	16	questions	question	NOUN
fsr-3413	136	17	except	except	SCONJ
fsr-3413	136	18	for	for	ADP
fsr-3413	136	19	the	the	DET
fsr-3413	136	20	source	source	NOUN
fsr-3413	136	21	of	of	ADP
fsr-3413	136	22	the	the	DET
fsr-3413	136	23	income	income	NOUN
fsr-3413	136	24	and	and	CCONJ
fsr-3413	136	25	the	the	DET
fsr-3413	136	26	amount	amount	NOUN
fsr-3413	136	27	of	of	ADP
fsr-3413	136	28	the	the	DET
fsr-3413	136	29	hypothetical	hypothetical	ADJ
fsr-3413	136	30	cash	cash	NOUN
fsr-3413	136	31	transferred	transfer	VERB
fsr-3413	136	32	,	,	PUNCT
fsr-3413	136	33	and	and	CCONJ
fsr-3413	136	34	asked	ask	VERB
fsr-3413	136	35	how	how	SCONJ
fsr-3413	136	36	she	she	PRON
fsr-3413	136	37	would	would	AUX
fsr-3413	136	38	use	use	VERB
fsr-3413	136	39	the	the	DET
fsr-3413	136	40	funds	fund	NOUN
fsr-3413	136	41	,	,	PUNCT
fsr-3413	136	42	both	both	CCONJ
fsr-3413	136	43	if	if	SCONJ
fsr-3413	136	44	it	it	PRON
fsr-3413	136	45	were	be	AUX
fsr-3413	136	46	received	receive	VERB
fsr-3413	136	47	as	as	ADP
fsr-3413	136	48	a	a	DET
fsr-3413	136	49	lump	lump	NOUN
fsr-3413	136	50	-	-	PUNCT
fsr-3413	136	51	sum	sum	NOUN
fsr-3413	136	52	and	and	CCONJ
fsr-3413	136	53	if	if	SCONJ
fsr-3413	136	54	the	the	DET
fsr-3413	136	55	same	same	ADJ
fsr-3413	136	56	amount	amount	NOUN
fsr-3413	136	57	were	be	AUX
fsr-3413	136	58	received	receive	VERB
fsr-3413	136	59	spread	spread	VERB
fsr-3413	136	60	out	out	ADP
fsr-3413	136	61	over	over	ADP
fsr-3413	136	62	12	12	NUM
fsr-3413	136	63	equal	equal	ADJ
fsr-3413	136	64	monthly	monthly	ADJ
fsr-3413	136	65	payments	payment	NOUN
fsr-3413	136	66	(	(	PUNCT
fsr-3413	136	67	within	within	ADP
fsr-3413	136	68	-	-	PUNCT
fsr-3413	136	69	subject	subject	NOUN
fsr-3413	136	70	design	design	NOUN
fsr-3413	136	71	)	)	PUNCT
fsr-3413	136	72	from	from	ADP
fsr-3413	136	73	two	two	NUM
fsr-3413	136	74	22	22	NUM
fsr-3413	136	75	e.	e.	PROPN
fsr-3413	136	76	bland	bland	PROPN
fsr-3413	136	77	,	,	PUNCT
fsr-3413	136	78	v.	v.	ADP
fsr-3413	136	79	chambers	chambers	PROPN
fsr-3413	136	80	/	/	SYM
fsr-3413	136	81	financial	financial	ADJ
fsr-3413	136	82	services	service	NOUN
fsr-3413	136	83	review	review	VERB
fsr-3413	136	84	28	28	NUM
fsr-3413	136	85	(	(	PUNCT
fsr-3413	136	86	2020	2020	NUM
fsr-3413	136	87	)	)	PUNCT
fsr-3413	136	88	17	17	NUM
fsr-3413	136	89	-	-	SYM
fsr-3413	136	90	34	34	NUM
fsr-3413	136	91	of	of	ADP
fsr-3413	136	92	these	these	DET
fsr-3413	136	93	five	five	NUM
fsr-3413	136	94	sources	source	NOUN
fsr-3413	136	95	:	:	PUNCT
fsr-3413	136	96	bonus	bonus	NOUN
fsr-3413	136	97	,	,	PUNCT
fsr-3413	136	98	game	game	NOUN
fsr-3413	136	99	show	show	NOUN
fsr-3413	136	100	winnings	winning	NOUN
fsr-3413	136	101	,	,	PUNCT
fsr-3413	136	102	inheritances	inheritance	NOUN
fsr-3413	136	103	,	,	PUNCT
fsr-3413	136	104	lottery	lottery	NOUN
fsr-3413	136	105	winnings	winning	NOUN
fsr-3413	136	106	,	,	PUNCT
fsr-3413	136	107	and	and	CCONJ
fsr-3413	136	108	tax	tax	NOUN
fsr-3413	136	109	rebates	rebate	NOUN
fsr-3413	136	110	(	(	PUNCT
fsr-3413	136	111	between	between	ADP
fsr-3413	136	112	-	-	PUNCT
fsr-3413	136	113	subjects	subject	NOUN
fsr-3413	136	114	design	design	NOUN
fsr-3413	136	115	)	)	PUNCT
fsr-3413	136	116	.	.	PUNCT
fsr-3413	137	1	the	the	DET
fsr-3413	137	2	amount	amount	NOUN
fsr-3413	137	3	of	of	ADP
fsr-3413	137	4	payments	payment	NOUN
fsr-3413	137	5	on	on	ADP
fsr-3413	137	6	the	the	DET
fsr-3413	137	7	instrument	instrument	NOUN
fsr-3413	137	8	was	be	AUX
fsr-3413	137	9	one	one	NUM
fsr-3413	137	10	of	of	ADP
fsr-3413	137	11	these	these	DET
fsr-3413	137	12	four	four	NUM
fsr-3413	137	13	different	different	ADJ
fsr-3413	137	14	amounts	amount	NOUN
fsr-3413	137	15	:	:	PUNCT
fsr-3413	137	16	$	$	SYM
fsr-3413	137	17	300	300	NUM
fsr-3413	137	18	,	,	PUNCT
fsr-3413	137	19	$	$	SYM
fsr-3413	137	20	600	600	NUM
fsr-3413	137	21	,	,	PUNCT
fsr-3413	137	22	$	$	SYM
fsr-3413	137	23	1,500	1,500	NUM
fsr-3413	137	24	,	,	PUNCT
fsr-3413	137	25	and	and	CCONJ
fsr-3413	137	26	$	$	SYM
fsr-3413	137	27	3,000	3,000	NUM
fsr-3413	137	28	.	.	PUNCT
fsr-3413	138	1	some	some	DET
fsr-3413	138	2	instruments	instrument	NOUN
fsr-3413	138	3	presented	present	VERB
fsr-3413	138	4	the	the	DET
fsr-3413	138	5	lump	lump	NOUN
fsr-3413	138	6	-	-	PUNCT
fsr-3413	138	7	sum	sum	NOUN
fsr-3413	138	8	amounts	amount	NOUN
fsr-3413	138	9	first	first	ADV
fsr-3413	138	10	and	and	CCONJ
fsr-3413	138	11	some	some	PRON
fsr-3413	138	12	presented	present	VERB
fsr-3413	138	13	the	the	DET
fsr-3413	138	14	periodic	periodic	ADJ
fsr-3413	138	15	amounts	amount	NOUN
fsr-3413	138	16	first	first	ADV
fsr-3413	138	17	to	to	PART
fsr-3413	138	18	control	control	VERB
fsr-3413	138	19	for	for	ADP
fsr-3413	138	20	the	the	DET
fsr-3413	138	21	order	order	NOUN
fsr-3413	138	22	effect	effect	NOUN
fsr-3413	138	23	.	.	PUNCT
fsr-3413	139	1	consistent	consistent	ADJ
fsr-3413	139	2	with	with	ADP
fsr-3413	139	3	chambers	chamber	NOUN
fsr-3413	139	4	and	and	CCONJ
fsr-3413	139	5	spencer	spencer	PROPN
fsr-3413	139	6	(	(	PUNCT
fsr-3413	139	7	2008	2008	NUM
fsr-3413	139	8	)	)	PUNCT
fsr-3413	139	9	,	,	PUNCT
fsr-3413	139	10	the	the	DET
fsr-3413	139	11	instruments	instrument	NOUN
fsr-3413	139	12	asked	ask	VERB
fsr-3413	139	13	how	how	SCONJ
fsr-3413	139	14	much	much	ADJ
fsr-3413	139	15	of	of	ADP
fsr-3413	139	16	a	a	DET
fsr-3413	139	17	lump	lump	NOUN
fsr-3413	139	18	sum	sum	NOUN
fsr-3413	139	19	rebate	rebate	NOUN
fsr-3413	139	20	would	would	AUX
fsr-3413	139	21	be	be	AUX
fsr-3413	139	22	used	use	VERB
fsr-3413	139	23	for	for	ADP
fsr-3413	139	24	:	:	PUNCT
fsr-3413	139	25	(	(	PUNCT
fsr-3413	139	26	1	1	X
fsr-3413	139	27	)	)	PUNCT
fsr-3413	139	28	investing	investing	NOUN
fsr-3413	139	29	,	,	PUNCT
fsr-3413	139	30	(	(	PUNCT
fsr-3413	139	31	2	2	X
fsr-3413	139	32	)	)	PUNCT
fsr-3413	139	33	paying	pay	VERB
fsr-3413	139	34	off	off	ADP
fsr-3413	139	35	credit	credit	NOUN
fsr-3413	139	36	card	card	NOUN
fsr-3413	139	37	debt	debt	NOUN
fsr-3413	139	38	,	,	PUNCT
fsr-3413	139	39	(	(	PUNCT
fsr-3413	139	40	3	3	X
fsr-3413	139	41	)	)	PUNCT
fsr-3413	139	42	paying	pay	VERB
fsr-3413	139	43	off	off	ADP
fsr-3413	139	44	notes	note	NOUN
fsr-3413	139	45	,	,	PUNCT
fsr-3413	139	46	(	(	PUNCT
fsr-3413	139	47	4	4	X
fsr-3413	139	48	)	)	PUNCT
fsr-3413	139	49	regular	regular	ADJ
fsr-3413	139	50	monthly	monthly	ADJ
fsr-3413	139	51	expenses	expense	NOUN
fsr-3413	139	52	,	,	PUNCT
fsr-3413	139	53	(	(	PUNCT
fsr-3413	139	54	5	5	X
fsr-3413	139	55	)	)	PUNCT
fsr-3413	139	56	buying	buy	VERB
fsr-3413	139	57	a	a	DET
fsr-3413	139	58	durable	durable	ADJ
fsr-3413	139	59	asset	asset	NOUN
fsr-3413	139	60	,	,	PUNCT
fsr-3413	139	61	(	(	PUNCT
fsr-3413	139	62	6	6	X
fsr-3413	139	63	)	)	PUNCT
fsr-3413	139	64	saving	save	VERB
fsr-3413	139	65	for	for	ADP
fsr-3413	139	66	an	an	DET
fsr-3413	139	67	infrequent	infrequent	ADJ
fsr-3413	139	68	expense	expense	NOUN
fsr-3413	139	69	,	,	PUNCT
fsr-3413	139	70	and/or	and/or	CCONJ
fsr-3413	139	71	(	(	PUNCT
fsr-3413	139	72	7	7	X
fsr-3413	139	73	)	)	PUNCT
fsr-3413	139	74	used	use	VERB
fsr-3413	139	75	for	for	ADP
fsr-3413	139	76	fun	fun	NOUN
fsr-3413	139	77	.	.	PUNCT
fsr-3413	140	1	the	the	DET
fsr-3413	140	2	instrument	instrument	NOUN
fsr-3413	140	3	also	also	ADV
fsr-3413	140	4	asked	ask	VERB
fsr-3413	140	5	how	how	SCONJ
fsr-3413	140	6	much	much	ADJ
fsr-3413	140	7	of	of	ADP
fsr-3413	140	8	a	a	DET
fsr-3413	140	9	monthly	monthly	ADJ
fsr-3413	140	10	payment	payment	NOUN
fsr-3413	140	11	,	,	PUNCT
fsr-3413	140	12	equal	equal	ADJ
fsr-3413	140	13	to	to	ADP
fsr-3413	140	14	one	one	NUM
fsr-3413	140	15	-	-	PUNCT
fsr-3413	140	16	twelth	twelth	NOUN
fsr-3413	140	17	of	of	ADP
fsr-3413	140	18	the	the	DET
fsr-3413	140	19	lump	lump	NOUN
fsr-3413	140	20	sum	sum	NOUN
fsr-3413	140	21	amount	amount	NOUN
fsr-3413	140	22	,	,	PUNCT
fsr-3413	140	23	would	would	AUX
fsr-3413	140	24	be	be	AUX
fsr-3413	140	25	used	use	VERB
fsr-3413	140	26	for	for	ADP
fsr-3413	140	27	each	each	PRON
fsr-3413	140	28	of	of	ADP
fsr-3413	140	29	these	these	DET
fsr-3413	140	30	seven	seven	NUM
fsr-3413	140	31	purposes	purpose	NOUN
fsr-3413	140	32	.	.	PUNCT
fsr-3413	141	1	similarly	similarly	ADV
fsr-3413	141	2	,	,	PUNCT
fsr-3413	141	3	the	the	DET
fsr-3413	141	4	flip	flip	ADJ
fsr-3413	141	5	side	side	NOUN
fsr-3413	141	6	of	of	ADP
fsr-3413	141	7	each	each	DET
fsr-3413	141	8	instrument	instrument	NOUN
fsr-3413	141	9	asked	ask	VERB
fsr-3413	141	10	these	these	DET
fsr-3413	141	11	same	same	ADJ
fsr-3413	141	12	questions	question	NOUN
fsr-3413	141	13	,	,	PUNCT
fsr-3413	141	14	changing	change	VERB
fsr-3413	141	15	only	only	ADV
fsr-3413	141	16	the	the	DET
fsr-3413	141	17	source	source	NOUN
fsr-3413	141	18	of	of	ADP
fsr-3413	141	19	the	the	DET
fsr-3413	141	20	payment	payment	NOUN
fsr-3413	141	21	from	from	ADP
fsr-3413	141	22	one	one	NUM
fsr-3413	141	23	source	source	NOUN
fsr-3413	141	24	to	to	ADP
fsr-3413	141	25	another	another	PRON
fsr-3413	141	26	—	—	PUNCT
fsr-3413	141	27	such	such	ADJ
fsr-3413	141	28	as	as	ADP
fsr-3413	141	29	from	from	ADP
fsr-3413	141	30	a	a	DET
fsr-3413	141	31	tax	tax	NOUN
fsr-3413	141	32	rebate	rebate	NOUN
fsr-3413	141	33	to	to	ADP
fsr-3413	141	34	a	a	DET
fsr-3413	141	35	game	game	NOUN
fsr-3413	141	36	show	show	NOUN
fsr-3413	141	37	payment	payment	NOUN
fsr-3413	141	38	.	.	PUNCT
fsr-3413	142	1	students	student	NOUN
fsr-3413	142	2	were	be	AUX
fsr-3413	142	3	considered	consider	VERB
fsr-3413	142	4	provisionally	provisionally	ADV
fsr-3413	142	5	acceptable	acceptable	ADJ
fsr-3413	142	6	respondents	respondent	NOUN
fsr-3413	142	7	per	per	ADP
fsr-3413	142	8	walters	walters	PROPN
fsr-3413	142	9	-	-	PUNCT
fsr-3413	142	10	york	york	PROPN
fsr-3413	142	11	and	and	CCONJ
fsr-3413	142	12	curatola	curatola	PROPN
fsr-3413	142	13	(	(	PUNCT
fsr-3413	142	14	1998	1998	NUM
fsr-3413	142	15	)	)	PUNCT
fsr-3413	142	16	and	and	CCONJ
fsr-3413	142	17	ashton	ashton	PROPN
fsr-3413	142	18	and	and	CCONJ
fsr-3413	142	19	kramer	kramer	PROPN
fsr-3413	142	20	(	(	PUNCT
fsr-3413	142	21	1980	1980	NUM
fsr-3413	142	22	)	)	PUNCT
fsr-3413	142	23	.	.	PUNCT
fsr-3413	143	1	as	as	ADP
fsr-3413	143	2	such	such	ADJ
fsr-3413	143	3	,	,	PUNCT
fsr-3413	143	4	instruments	instrument	NOUN
fsr-3413	143	5	were	be	AUX
fsr-3413	143	6	distributed	distribute	VERB
fsr-3413	143	7	to	to	ADP
fsr-3413	143	8	university	university	NOUN
fsr-3413	143	9	students	student	NOUN
fsr-3413	143	10	at	at	ADP
fsr-3413	143	11	these	these	DET
fsr-3413	143	12	institutions	institution	NOUN
fsr-3413	143	13	:	:	PUNCT
fsr-3413	143	14	coastal	coastal	PROPN
fsr-3413	143	15	carolina	carolina	PROPN
fsr-3413	143	16	university	university	PROPN
fsr-3413	143	17	,	,	PUNCT
fsr-3413	143	18	francis	francis	PROPN
fsr-3413	143	19	marion	marion	PROPN
fsr-3413	143	20	university	university	PROPN
fsr-3413	143	21	,	,	PUNCT
fsr-3413	143	22	longwood	longwood	PROPN
fsr-3413	143	23	university	university	PROPN
fsr-3413	143	24	,	,	PUNCT
fsr-3413	143	25	metropolitan	metropolitan	PROPN
fsr-3413	143	26	state	state	PROPN
fsr-3413	143	27	university	university	PROPN
fsr-3413	143	28	of	of	ADP
fsr-3413	143	29	denver	denver	PROPN
fsr-3413	143	30	,	,	PUNCT
fsr-3413	143	31	texas	texas	PROPN
fsr-3413	143	32	a&m	a&m	PROPN
fsr-3413	143	33	university	university	PROPN
fsr-3413	143	34	–	–	PUNCT
fsr-3413	143	35	corpus	corpus	NOUN
fsr-3413	143	36	christi	christi	PROPN
fsr-3413	143	37	,	,	PUNCT
fsr-3413	143	38	university	university	NOUN
fsr-3413	143	39	of	of	ADP
fsr-3413	143	40	alabama	alabama	PROPN
fsr-3413	143	41	–	–	PUNCT
fsr-3413	143	42	birmingham	birmingham	PROPN
fsr-3413	143	43	,	,	PUNCT
fsr-3413	143	44	and	and	CCONJ
fsr-3413	143	45	university	university	NOUN
fsr-3413	143	46	of	of	ADP
fsr-3413	143	47	houston	houston	PROPN
fsr-3413	143	48	–	–	PUNCT
fsr-3413	143	49	clear	clear	ADJ
fsr-3413	143	50	lake	lake	NOUN
fsr-3413	143	51	.	.	PUNCT
fsr-3413	144	1	notably	notably	ADV
fsr-3413	144	2	,	,	PUNCT
fsr-3413	144	3	at	at	ADV
fsr-3413	144	4	least	least	ADJ
fsr-3413	144	5	four	four	NUM
fsr-3413	144	6	of	of	ADP
fsr-3413	144	7	these	these	DET
fsr-3413	144	8	universities	university	NOUN
fsr-3413	144	9	have	have	VERB
fsr-3413	144	10	a	a	DET
fsr-3413	144	11	large	large	ADJ
fsr-3413	144	12	nontraditional	nontraditional	ADJ
fsr-3413	144	13	student	student	NOUN
fsr-3413	144	14	population	population	NOUN
fsr-3413	144	15	which	which	PRON
fsr-3413	144	16	adds	add	VERB
fsr-3413	144	17	external	external	ADJ
fsr-3413	144	18	validity	validity	NOUN
fsr-3413	144	19	to	to	ADP
fsr-3413	144	20	this	this	DET
fsr-3413	144	21	study	study	NOUN
fsr-3413	144	22	beyond	beyond	ADP
fsr-3413	144	23	that	that	PRON
fsr-3413	144	24	expected	expect	VERB
fsr-3413	144	25	from	from	ADP
fsr-3413	144	26	a	a	DET
fsr-3413	144	27	traditional	traditional	ADJ
fsr-3413	144	28	student	student	NOUN
fsr-3413	144	29	population	population	NOUN
fsr-3413	144	30	examined	examine	VERB
fsr-3413	144	31	in	in	ADP
fsr-3413	144	32	the	the	DET
fsr-3413	144	33	academic	academic	ADJ
fsr-3413	144	34	studies	study	NOUN
fsr-3413	144	35	just	just	ADV
fsr-3413	144	36	listed	list	VERB
fsr-3413	144	37	.	.	PUNCT
fsr-3413	145	1	all	all	DET
fsr-3413	145	2	research	research	NOUN
fsr-3413	145	3	questions	question	NOUN
fsr-3413	145	4	were	be	AUX
fsr-3413	145	5	analyzed	analyze	VERB
fsr-3413	145	6	with	with	ADP
fsr-3413	145	7	descriptive	descriptive	ADJ
fsr-3413	145	8	statistics	statistic	NOUN
fsr-3413	145	9	,	,	PUNCT
fsr-3413	145	10	and	and	CCONJ
fsr-3413	145	11	then	then	ADV
fsr-3413	145	12	were	be	AUX
fsr-3413	145	13	converted	convert	VERB
fsr-3413	145	14	to	to	ADP
fsr-3413	145	15	a	a	DET
fsr-3413	145	16	percentage	percentage	NOUN
fsr-3413	145	17	of	of	ADP
fsr-3413	145	18	the	the	DET
fsr-3413	145	19	total	total	ADJ
fsr-3413	145	20	payment	payment	NOUN
fsr-3413	145	21	received	receive	VERB
fsr-3413	145	22	for	for	ADP
fsr-3413	145	23	each	each	PRON
fsr-3413	145	24	of	of	ADP
fsr-3413	145	25	the	the	DET
fsr-3413	145	26	seven	seven	NUM
fsr-3413	145	27	categories	category	NOUN
fsr-3413	145	28	:	:	PUNCT
fsr-3413	145	29	(	(	PUNCT
fsr-3413	145	30	1	1	X
fsr-3413	145	31	)	)	PUNCT
fsr-3413	145	32	investing	investing	NOUN
fsr-3413	145	33	,	,	PUNCT
fsr-3413	145	34	(	(	PUNCT
fsr-3413	145	35	2	2	X
fsr-3413	145	36	)	)	PUNCT
fsr-3413	145	37	paying	pay	VERB
fsr-3413	145	38	off	off	ADP
fsr-3413	145	39	credit	credit	NOUN
fsr-3413	145	40	card	card	NOUN
fsr-3413	145	41	debt	debt	NOUN
fsr-3413	145	42	,	,	PUNCT
fsr-3413	145	43	(	(	PUNCT
fsr-3413	145	44	3	3	X
fsr-3413	145	45	)	)	PUNCT
fsr-3413	145	46	paying	pay	VERB
fsr-3413	145	47	off	off	ADP
fsr-3413	145	48	notes	note	NOUN
fsr-3413	145	49	,	,	PUNCT
fsr-3413	145	50	(	(	PUNCT
fsr-3413	145	51	4	4	X
fsr-3413	145	52	)	)	PUNCT
fsr-3413	145	53	regular	regular	ADJ
fsr-3413	145	54	monthly	monthly	ADJ
fsr-3413	145	55	expenses	expense	NOUN
fsr-3413	145	56	,	,	PUNCT
fsr-3413	145	57	(	(	PUNCT
fsr-3413	145	58	5	5	X
fsr-3413	145	59	)	)	PUNCT
fsr-3413	145	60	buying	buy	VERB
fsr-3413	145	61	a	a	DET
fsr-3413	145	62	durable	durable	ADJ
fsr-3413	145	63	asset	asset	NOUN
fsr-3413	145	64	,	,	PUNCT
fsr-3413	145	65	(	(	PUNCT
fsr-3413	145	66	6	6	X
fsr-3413	145	67	)	)	PUNCT
fsr-3413	145	68	saving	save	VERB
fsr-3413	145	69	for	for	ADP
fsr-3413	145	70	an	an	DET
fsr-3413	145	71	infrequent	infrequent	ADJ
fsr-3413	145	72	expense	expense	NOUN
fsr-3413	145	73	,	,	PUNCT
fsr-3413	145	74	and	and	CCONJ
fsr-3413	145	75	(	(	PUNCT
fsr-3413	145	76	7	7	X
fsr-3413	145	77	)	)	PUNCT
fsr-3413	145	78	used	use	VERB
fsr-3413	145	79	for	for	ADP
fsr-3413	145	80	fun	fun	NOUN
fsr-3413	145	81	were	be	AUX
fsr-3413	145	82	coded	code	VERB
fsr-3413	145	83	as	as	ADP
fsr-3413	145	84	spending	spending	NOUN
fsr-3413	145	85	.	.	PUNCT
fsr-3413	146	1	because	because	SCONJ
fsr-3413	146	2	the	the	DET
fsr-3413	146	3	examples	example	NOUN
fsr-3413	146	4	listed	list	VERB
fsr-3413	146	5	in	in	ADP
fsr-3413	146	6	category	category	NOUN
fsr-3413	146	7	(	(	PUNCT
fsr-3413	146	8	6	6	NUM
fsr-3413	146	9	)	)	PUNCT
fsr-3413	146	10	were	be	AUX
fsr-3413	146	11	“	"	PUNCT
fsr-3413	146	12	a	a	DET
fsr-3413	146	13	vacation	vacation	NOUN
fsr-3413	146	14	,	,	PUNCT
fsr-3413	146	15	bigger	big	ADJ
fsr-3413	146	16	holiday	holiday	NOUN
fsr-3413	146	17	gifts	gift	NOUN
fsr-3413	146	18	,	,	PUNCT
fsr-3413	146	19	or	or	CCONJ
fsr-3413	146	20	something	something	PRON
fsr-3413	146	21	you	you	PRON
fsr-3413	146	22	’ve	’ve	AUX
fsr-3413	146	23	been	be	AUX
fsr-3413	146	24	wanting	want	VERB
fsr-3413	146	25	,	,	PUNCT
fsr-3413	146	26	”	"	PUNCT
fsr-3413	146	27	the	the	DET
fsr-3413	146	28	percentages	percentage	NOUN
fsr-3413	146	29	for	for	ADP
fsr-3413	146	30	items	item	NOUN
fsr-3413	146	31	(	(	PUNCT
fsr-3413	146	32	6	6	NUM
fsr-3413	146	33	)	)	PUNCT
fsr-3413	146	34	and	and	CCONJ
fsr-3413	146	35	(	(	PUNCT
fsr-3413	146	36	7	7	X
fsr-3413	146	37	)	)	PUNCT
fsr-3413	146	38	were	be	AUX
fsr-3413	146	39	added	add	VERB
fsr-3413	146	40	together	together	ADV
fsr-3413	146	41	as	as	SCONJ
fsr-3413	146	42	were	be	AUX
fsr-3413	146	43	the	the	DET
fsr-3413	146	44	dependent	dependent	ADJ
fsr-3413	146	45	variable	variable	NOUN
fsr-3413	146	46	for	for	ADP
fsr-3413	146	47	“	"	PUNCT
fsr-3413	146	48	fun	fun	ADJ
fsr-3413	146	49	spending	spending	NOUN
fsr-3413	146	50	.	.	PUNCT
fsr-3413	146	51	”	"	PUNCT
fsr-3413	147	1	the	the	DET
fsr-3413	147	2	independent	independent	ADJ
fsr-3413	147	3	variables	variable	NOUN
fsr-3413	147	4	were	be	AUX
fsr-3413	147	5	log	log	NOUN
fsr-3413	147	6	of	of	ADP
fsr-3413	147	7	income	income	NOUN
fsr-3413	147	8	,	,	PUNCT
fsr-3413	147	9	materiality	materiality	NOUN
fsr-3413	147	10	of	of	ADP
fsr-3413	147	11	payment	payment	NOUN
fsr-3413	147	12	,	,	PUNCT
fsr-3413	147	13	spending	spending	NOUN
fsr-3413	147	14	default	default	NOUN
fsr-3413	147	15	(	(	PUNCT
fsr-3413	147	16	that	that	PRON
fsr-3413	147	17	is	be	AUX
fsr-3413	147	18	whether	whether	SCONJ
fsr-3413	147	19	the	the	DET
fsr-3413	147	20	respondent	respondent	NOUN
fsr-3413	147	21	habitually	habitually	ADV
fsr-3413	147	22	saves	save	VERB
fsr-3413	147	23	or	or	CCONJ
fsr-3413	147	24	spends	spend	VERB
fsr-3413	147	25	unexpected	unexpected	ADJ
fsr-3413	147	26	money	money	NOUN
fsr-3413	147	27	received	receive	VERB
fsr-3413	147	28	)	)	PUNCT
fsr-3413	147	29	,	,	PUNCT
fsr-3413	147	30	dummy	dummy	ADJ
fsr-3413	147	31	variables	variable	NOUN
fsr-3413	147	32	for	for	ADP
fsr-3413	147	33	the	the	DET
fsr-3413	147	34	total	total	ADJ
fsr-3413	147	35	amount	amount	NOUN
fsr-3413	147	36	of	of	ADP
fsr-3413	147	37	payment	payment	NOUN
fsr-3413	147	38	,	,	PUNCT
fsr-3413	147	39	and	and	CCONJ
fsr-3413	147	40	dummy	dummy	ADJ
fsr-3413	147	41	variables	variable	NOUN
fsr-3413	147	42	for	for	ADP
fsr-3413	147	43	the	the	DET
fsr-3413	147	44	source	source	NOUN
fsr-3413	147	45	of	of	ADP
fsr-3413	147	46	the	the	DET
fsr-3413	147	47	windfall	windfall	NOUN
fsr-3413	147	48	:	:	PUNCT
fsr-3413	147	49	game	game	NOUN
fsr-3413	147	50	show	show	NOUN
fsr-3413	147	51	winnings	winning	NOUN
fsr-3413	147	52	,	,	PUNCT
fsr-3413	147	53	bonus	bonus	NOUN
fsr-3413	147	54	,	,	PUNCT
fsr-3413	147	55	or	or	CCONJ
fsr-3413	147	56	tax	tax	NOUN
fsr-3413	147	57	rebate	rebate	NOUN
fsr-3413	147	58	.	.	PUNCT
fsr-3413	148	1	demographic	demographic	ADJ
fsr-3413	148	2	and	and	CCONJ
fsr-3413	148	3	other	other	ADJ
fsr-3413	148	4	control	control	NOUN
fsr-3413	148	5	variables	variable	NOUN
fsr-3413	148	6	were	be	AUX
fsr-3413	148	7	included	include	VERB
fsr-3413	148	8	to	to	PART
fsr-3413	148	9	control	control	VERB
fsr-3413	148	10	for	for	ADP
fsr-3413	148	11	order	order	NOUN
fsr-3413	148	12	effect	effect	NOUN
fsr-3413	148	13	,	,	PUNCT
fsr-3413	148	14	risk	risk	NOUN
fsr-3413	148	15	-	-	PUNCT
fsr-3413	148	16	taking	take	VERB
fsr-3413	148	17	variables	variable	NOUN
fsr-3413	148	18	gender	gender	NOUN
fsr-3413	148	19	,	,	PUNCT
fsr-3413	148	20	age	age	NOUN
fsr-3413	148	21	,	,	PUNCT
fsr-3413	148	22	business	business	NOUN
fsr-3413	148	23	experience	experience	NOUN
fsr-3413	148	24	level	level	NOUN
fsr-3413	148	25	,	,	PUNCT
fsr-3413	148	26	and	and	CCONJ
fsr-3413	148	27	education	education	NOUN
fsr-3413	148	28	level	level	NOUN
fsr-3413	148	29	.	.	PUNCT
fsr-3413	149	1	the	the	DET
fsr-3413	149	2	complete	complete	ADJ
fsr-3413	149	3	regression	regression	NOUN
fsr-3413	149	4	model	model	NOUN
fsr-3413	149	5	was	be	AUX
fsr-3413	149	6	of	of	ADP
fsr-3413	149	7	the	the	DET
fsr-3413	149	8	form	form	NOUN
fsr-3413	149	9	:	:	PUNCT
fsr-3413	149	10	percent	percent	NOUN
fsr-3413	149	11	spent	spend	VERB
fsr-3413	149	12	on	on	ADP
fsr-3413	149	13	fun	fun	ADJ
fsr-3413	149	14	�	�	PROPN
fsr-3413	149	15	f(income	f(income	NOUN
fsr-3413	149	16	,	,	PUNCT
fsr-3413	149	17	zero	zero	NUM
fsr-3413	149	18	income	income	NOUN
fsr-3413	149	19	,	,	PUNCT
fsr-3413	149	20	amount	amount	NOUN
fsr-3413	149	21	,	,	PUNCT
fsr-3413	149	22	education	education	NOUN
fsr-3413	149	23	,	,	PUNCT
fsr-3413	149	24	gender	gender	NOUN
fsr-3413	149	25	,	,	PUNCT
fsr-3413	149	26	age	age	NOUN
fsr-3413	149	27	,	,	PUNCT
fsr-3413	149	28	importance	importance	NOUN
fsr-3413	149	29	,	,	PUNCT
fsr-3413	149	30	seatbelt	seatbelt	NOUN
fsr-3413	149	31	use	use	NOUN
fsr-3413	149	32	,	,	PUNCT
fsr-3413	149	33	smoker	smoker	ADJ
fsr-3413	149	34	,	,	PUNCT
fsr-3413	149	35	spend1	spend1	NOUN
fsr-3413	149	36	,	,	PUNCT
fsr-3413	149	37	experience	experience	NOUN
fsr-3413	149	38	level	level	NOUN
fsr-3413	149	39	,	,	PUNCT
fsr-3413	149	40	dummy	dummy	ADJ
fsr-3413	149	41	variables	variable	NOUN
fsr-3413	149	42	for	for	ADP
fsr-3413	149	43	the	the	DET
fsr-3413	149	44	source	source	NOUN
fsr-3413	149	45	of	of	ADP
fsr-3413	149	46	the	the	DET
fsr-3413	149	47	payment	payment	NOUN
fsr-3413	149	48	(	(	PUNCT
fsr-3413	149	49	tax	tax	NOUN
fsr-3413	149	50	rebate	rebate	NOUN
fsr-3413	149	51	,	,	PUNCT
fsr-3413	149	52	bonus	bonus	NOUN
fsr-3413	149	53	,	,	PUNCT
fsr-3413	149	54	or	or	CCONJ
fsr-3413	149	55	game	game	NOUN
fsr-3413	149	56	show	show	NOUN
fsr-3413	149	57	)	)	PUNCT
fsr-3413	149	58	,	,	PUNCT
fsr-3413	149	59	and	and	CCONJ
fsr-3413	149	60	a	a	DET
fsr-3413	149	61	dummy	dummy	NOUN
fsr-3413	149	62	for	for	ADP
fsr-3413	149	63	the	the	DET
fsr-3413	149	64	order	order	NOUN
fsr-3413	149	65	of	of	ADP
fsr-3413	149	66	presentation	presentation	NOUN
fsr-3413	149	67	(	(	PUNCT
fsr-3413	149	68	monthly	monthly	ADJ
fsr-3413	149	69	payment	payment	NOUN
fsr-3413	149	70	first	first	ADV
fsr-3413	149	71	,	,	PUNCT
fsr-3413	149	72	or	or	CCONJ
fsr-3413	149	73	lump	lump	NOUN
fsr-3413	149	74	sum	sum	NOUN
fsr-3413	149	75	payment	payment	NOUN
fsr-3413	149	76	first	first	ADJ
fsr-3413	149	77	)	)	PUNCT
fsr-3413	149	78	)	)	PUNCT
fsr-3413	149	79	.	.	PUNCT
fsr-3413	150	1	“	"	PUNCT
fsr-3413	150	2	income	income	NOUN
fsr-3413	150	3	”	"	PUNCT
fsr-3413	150	4	is	be	AUX
fsr-3413	150	5	the	the	DET
fsr-3413	150	6	log	log	NOUN
fsr-3413	150	7	of	of	ADP
fsr-3413	150	8	the	the	DET
fsr-3413	150	9	respondent	respondent	NOUN
fsr-3413	150	10	’s	’s	PART
fsr-3413	150	11	income	income	NOUN
fsr-3413	150	12	plus	plus	CCONJ
fsr-3413	150	13	one	one	NUM
fsr-3413	150	14	.	.	PUNCT
fsr-3413	151	1	“	"	PUNCT
fsr-3413	151	2	amount	amount	NOUN
fsr-3413	151	3	”	"	PUNCT
fsr-3413	151	4	is	be	AUX
fsr-3413	151	5	the	the	DET
fsr-3413	151	6	hypothetical	hypothetical	ADJ
fsr-3413	151	7	amount	amount	NOUN
fsr-3413	151	8	of	of	ADP
fsr-3413	151	9	the	the	DET
fsr-3413	151	10	distribution	distribution	NOUN
fsr-3413	151	11	in	in	ADP
fsr-3413	151	12	dollars	dollar	NOUN
fsr-3413	151	13	.	.	PUNCT
fsr-3413	152	1	rather	rather	ADV
fsr-3413	152	2	than	than	SCONJ
fsr-3413	152	3	use	use	VERB
fsr-3413	152	4	a	a	DET
fsr-3413	152	5	continuous	continuous	ADJ
fsr-3413	152	6	variable	variable	NOUN
fsr-3413	152	7	for	for	ADP
fsr-3413	152	8	the	the	DET
fsr-3413	152	9	total	total	ADJ
fsr-3413	152	10	payments	payment	NOUN
fsr-3413	152	11	,	,	PUNCT
fsr-3413	152	12	dummy	dummy	ADJ
fsr-3413	152	13	variables	variable	NOUN
fsr-3413	152	14	were	be	AUX
fsr-3413	152	15	created	create	VERB
fsr-3413	152	16	for	for	ADP
fsr-3413	152	17	the	the	DET
fsr-3413	152	18	four	four	NUM
fsr-3413	152	19	discrete	discrete	ADJ
fsr-3413	152	20	payment	payment	NOUN
fsr-3413	152	21	amounts	amount	NOUN
fsr-3413	152	22	.	.	PUNCT
fsr-3413	153	1	education	education	NOUN
fsr-3413	153	2	was	be	AUX
fsr-3413	153	3	divided	divide	VERB
fsr-3413	153	4	into	into	ADP
fsr-3413	153	5	four	four	NUM
fsr-3413	153	6	categories	category	NOUN
fsr-3413	153	7	:	:	PUNCT
fsr-3413	153	8	high	high	ADJ
fsr-3413	153	9	school	school	NOUN
fsr-3413	153	10	,	,	PUNCT
fsr-3413	153	11	associate	associate	NOUN
fsr-3413	153	12	degree	degree	NOUN
fsr-3413	153	13	,	,	PUNCT
fsr-3413	153	14	undergraduate	undergraduate	NOUN
fsr-3413	153	15	degree	degree	NOUN
fsr-3413	153	16	,	,	PUNCT
fsr-3413	153	17	and	and	CCONJ
fsr-3413	153	18	23e	23e	NUM
fsr-3413	153	19	.	.	PUNCT
fsr-3413	154	1	bland	bland	ADJ
fsr-3413	154	2	,	,	PUNCT
fsr-3413	154	3	v.	v.	ADP
fsr-3413	154	4	chambers	chambers	PROPN
fsr-3413	154	5	/	/	SYM
fsr-3413	154	6	financial	financial	ADJ
fsr-3413	154	7	services	service	NOUN
fsr-3413	154	8	review	review	VERB
fsr-3413	154	9	28	28	NUM
fsr-3413	154	10	(	(	PUNCT
fsr-3413	154	11	2020	2020	NUM
fsr-3413	154	12	)	)	PUNCT
fsr-3413	154	13	17	17	NUM
fsr-3413	154	14	-	-	SYM
fsr-3413	154	15	34	34	NUM
fsr-3413	154	16	graduate	graduate	NOUN
fsr-3413	154	17	degree	degree	NOUN
fsr-3413	154	18	.	.	PUNCT
fsr-3413	155	1	“	"	PUNCT
fsr-3413	155	2	gender	gender	NOUN
fsr-3413	155	3	”	"	PUNCT
fsr-3413	155	4	was	be	AUX
fsr-3413	155	5	a	a	DET
fsr-3413	155	6	categorical	categorical	ADJ
fsr-3413	155	7	male	male	ADJ
fsr-3413	155	8	/	/	SYM
fsr-3413	155	9	female	female	ADJ
fsr-3413	155	10	variable	variable	NOUN
fsr-3413	155	11	,	,	PUNCT
fsr-3413	155	12	where	where	SCONJ
fsr-3413	155	13	female	female	NOUN
fsr-3413	155	14	was	be	AUX
fsr-3413	155	15	coded	code	VERB
fsr-3413	155	16	as	as	ADP
fsr-3413	155	17	“	"	PUNCT
fsr-3413	155	18	1	1	NUM
fsr-3413	155	19	.	.	PUNCT
fsr-3413	155	20	”	"	PUNCT
fsr-3413	156	1	“	"	PUNCT
fsr-3413	156	2	age	age	NOUN
fsr-3413	156	3	”	"	PUNCT
fsr-3413	156	4	was	be	AUX
fsr-3413	156	5	the	the	DET
fsr-3413	156	6	participant	participant	NOUN
fsr-3413	156	7	’s	’s	PART
fsr-3413	156	8	age	age	NOUN
fsr-3413	156	9	in	in	ADP
fsr-3413	156	10	years	year	NOUN
fsr-3413	156	11	.	.	PUNCT
fsr-3413	157	1	“	"	PUNCT
fsr-3413	157	2	materiality	materiality	NOUN
fsr-3413	157	3	”	"	PUNCT
fsr-3413	157	4	was	be	AUX
fsr-3413	157	5	defined	define	VERB
fsr-3413	157	6	as	as	ADP
fsr-3413	157	7	the	the	DET
fsr-3413	157	8	total	total	ADJ
fsr-3413	157	9	payment	payment	NOUN
fsr-3413	157	10	divided	divide	VERB
fsr-3413	157	11	by	by	ADP
fsr-3413	157	12	the	the	DET
fsr-3413	157	13	income	income	NOUN
fsr-3413	157	14	of	of	ADP
fsr-3413	157	15	the	the	DET
fsr-3413	157	16	respondent	respondent	NOUN
fsr-3413	157	17	.	.	PUNCT
fsr-3413	158	1	the	the	DET
fsr-3413	158	2	“	"	PUNCT
fsr-3413	158	3	seatbelt	seatbelt	NOUN
fsr-3413	158	4	”	"	PUNCT
fsr-3413	158	5	and	and	CCONJ
fsr-3413	158	6	“	"	PUNCT
fsr-3413	158	7	smoker	smoker	ADJ
fsr-3413	158	8	”	"	PUNCT
fsr-3413	158	9	dummy	dummy	ADJ
fsr-3413	158	10	variables	variable	NOUN
fsr-3413	158	11	were	be	AUX
fsr-3413	158	12	included	include	VERB
fsr-3413	158	13	as	as	ADP
fsr-3413	158	14	proxies	proxy	NOUN
fsr-3413	158	15	for	for	ADP
fsr-3413	158	16	respondents	respondent	NOUN
fsr-3413	158	17	’	'	PUNCT
fsr-3413	158	18	risk	risk	NOUN
fsr-3413	158	19	preference	preference	NOUN
fsr-3413	158	20	;	;	PUNCT
fsr-3413	158	21	seatbelt	seatbelt	NOUN
fsr-3413	158	22	wearers	wearer	NOUN
fsr-3413	158	23	and	and	CCONJ
fsr-3413	158	24	smokers	smoker	NOUN
fsr-3413	158	25	were	be	AUX
fsr-3413	158	26	coded	code	VERB
fsr-3413	158	27	as	as	ADP
fsr-3413	158	28	“	"	PUNCT
fsr-3413	158	29	1	1	NUM
fsr-3413	158	30	.	.	PUNCT
fsr-3413	158	31	”	"	PUNCT
fsr-3413	159	1	the	the	DET
fsr-3413	159	2	“	"	PUNCT
fsr-3413	159	3	spend1	spend1	NOUN
fsr-3413	159	4	”	"	PUNCT
fsr-3413	159	5	variable	variable	NOUN
fsr-3413	159	6	is	be	AUX
fsr-3413	159	7	a	a	DET
fsr-3413	159	8	measure	measure	NOUN
fsr-3413	159	9	of	of	ADP
fsr-3413	159	10	respondents	respondent	NOUN
fsr-3413	159	11	’	'	PUNCT
fsr-3413	159	12	habit	habit	NOUN
fsr-3413	159	13	of	of	ADP
fsr-3413	159	14	using	use	VERB
fsr-3413	159	15	extra	extra	ADJ
fsr-3413	159	16	money	money	NOUN
fsr-3413	159	17	;	;	PUNCT
fsr-3413	159	18	the	the	DET
fsr-3413	159	19	respondents	respondent	NOUN
fsr-3413	159	20	were	be	AUX
fsr-3413	159	21	asked	ask	VERB
fsr-3413	159	22	“	"	PUNCT
fsr-3413	159	23	when	when	SCONJ
fsr-3413	159	24	you	you	PRON
fsr-3413	159	25	get	get	VERB
fsr-3413	159	26	‘	'	PUNCT
fsr-3413	159	27	extra	extra	ADJ
fsr-3413	159	28	money	money	NOUN
fsr-3413	159	29	,	,	PUNCT
fsr-3413	159	30	’	'	PUNCT
fsr-3413	159	31	do	do	AUX
fsr-3413	159	32	you	you	PRON
fsr-3413	159	33	spend	spend	VERB
fsr-3413	159	34	it	it	PRON
fsr-3413	159	35	or	or	CCONJ
fsr-3413	159	36	save	save	VERB
fsr-3413	159	37	it	it	PRON
fsr-3413	159	38	?	?	PUNCT
fsr-3413	159	39	”	"	PUNCT
fsr-3413	160	1	for	for	ADP
fsr-3413	160	2	those	those	PRON
fsr-3413	160	3	that	that	PRON
fsr-3413	160	4	answered	answer	VERB
fsr-3413	160	5	“	"	PUNCT
fsr-3413	160	6	spend	spend	NOUN
fsr-3413	160	7	,	,	PUNCT
fsr-3413	160	8	”	"	PUNCT
fsr-3413	160	9	the	the	DET
fsr-3413	160	10	dummy	dummy	NOUN
fsr-3413	160	11	was	be	AUX
fsr-3413	160	12	set	set	VERB
fsr-3413	160	13	to	to	ADP
fsr-3413	160	14	1	1	NUM
fsr-3413	160	15	.	.	PUNCT
fsr-3413	161	1	in	in	ADP
fsr-3413	161	2	testing	test	VERB
fsr-3413	161	3	these	these	DET
fsr-3413	161	4	hypotheses	hypothesis	NOUN
fsr-3413	161	5	,	,	PUNCT
fsr-3413	161	6	the	the	DET
fsr-3413	161	7	order	order	NOUN
fsr-3413	161	8	of	of	ADP
fsr-3413	161	9	presentation	presentation	NOUN
fsr-3413	161	10	and	and	CCONJ
fsr-3413	161	11	the	the	DET
fsr-3413	161	12	frequency	frequency	NOUN
fsr-3413	161	13	of	of	ADP
fsr-3413	161	14	payments	payment	NOUN
fsr-3413	161	15	were	be	AUX
fsr-3413	161	16	also	also	ADV
fsr-3413	161	17	controlled	control	VERB
fsr-3413	161	18	for	for	ADP
fsr-3413	161	19	.	.	PUNCT
fsr-3413	162	1	interaction	interaction	NOUN
fsr-3413	162	2	effects	effect	NOUN
fsr-3413	162	3	were	be	AUX
fsr-3413	162	4	also	also	ADV
fsr-3413	162	5	run	run	VERB
fsr-3413	162	6	as	as	ADP
fsr-3413	162	7	a	a	DET
fsr-3413	162	8	control	control	NOUN
fsr-3413	162	9	measure	measure	NOUN
fsr-3413	162	10	.	.	PUNCT
fsr-3413	163	1	ultimately	ultimately	ADV
fsr-3413	163	2	,	,	PUNCT
fsr-3413	163	3	the	the	DET
fsr-3413	163	4	monthly	monthly	ADJ
fsr-3413	163	5	payments	payment	NOUN
fsr-3413	163	6	were	be	AUX
fsr-3413	163	7	considered	consider	VERB
fsr-3413	163	8	immaterial	immaterial	ADJ
fsr-3413	163	9	and	and	CCONJ
fsr-3413	163	10	dropped	drop	VERB
fsr-3413	163	11	from	from	ADP
fsr-3413	163	12	the	the	DET
fsr-3413	163	13	model	model	NOUN
fsr-3413	163	14	.	.	PUNCT
fsr-3413	164	1	basic	basic	ADJ
fsr-3413	164	2	regressions	regression	NOUN
fsr-3413	164	3	were	be	AUX
fsr-3413	164	4	run	run	VERB
fsr-3413	164	5	matching	match	VERB
fsr-3413	164	6	the	the	DET
fsr-3413	164	7	two	two	NUM
fsr-3413	164	8	extremes	extreme	NOUN
fsr-3413	164	9	of	of	ADP
fsr-3413	164	10	(	(	PUNCT
fsr-3413	164	11	un)fun	un)fun	NOUN
fsr-3413	164	12	:	:	PUNCT
fsr-3413	164	13	tax	tax	NOUN
fsr-3413	164	14	rebate	rebate	NOUN
fsr-3413	164	15	and	and	CCONJ
fsr-3413	164	16	game	game	NOUN
fsr-3413	164	17	show	show	NOUN
fsr-3413	164	18	winnings	winning	NOUN
fsr-3413	164	19	,	,	PUNCT
fsr-3413	164	20	but	but	CCONJ
fsr-3413	164	21	eliminating	eliminate	VERB
fsr-3413	164	22	nonsignificant	nonsignificant	ADJ
fsr-3413	164	23	control	control	NOUN
fsr-3413	164	24	variables	variable	NOUN
fsr-3413	164	25	except	except	SCONJ
fsr-3413	164	26	for	for	ADP
fsr-3413	164	27	income	income	NOUN
fsr-3413	164	28	,	,	PUNCT
fsr-3413	164	29	materiality	materiality	NOUN
fsr-3413	164	30	,	,	PUNCT
fsr-3413	164	31	spend	spend	VERB
fsr-3413	164	32	1	1	NUM
fsr-3413	164	33	and	and	CCONJ
fsr-3413	164	34	level	level	NOUN
fsr-3413	164	35	of	of	ADP
fsr-3413	164	36	payment	payment	NOUN
fsr-3413	164	37	.	.	PUNCT
fsr-3413	165	1	that	that	DET
fsr-3413	165	2	model	model	NOUN
fsr-3413	165	3	is	be	AUX
fsr-3413	165	4	:	:	PUNCT
fsr-3413	165	5	hypothesis	hypothesis	NOUN
fsr-3413	165	6	1	1	NUM
fsr-3413	165	7	:	:	PUNCT
fsr-3413	165	8	percent	percent	NOUN
fsr-3413	165	9	spent	spend	VERB
fsr-3413	165	10	on	on	ADP
fsr-3413	165	11	fun	fun	ADJ
fsr-3413	165	12	�	�	PROPN
fsr-3413	165	13	f(income	f(income	NOUN
fsr-3413	165	14	,	,	PUNCT
fsr-3413	165	15	materiality	materiality	NOUN
fsr-3413	165	16	,	,	PUNCT
fsr-3413	165	17	spend	spend	VERB
fsr-3413	165	18	1	1	NUM
fsr-3413	165	19	,	,	PUNCT
fsr-3413	165	20	dummy	dummy	ADJ
fsr-3413	165	21	variables	variable	NOUN
fsr-3413	165	22	for	for	ADP
fsr-3413	165	23	amount	amount	NOUN
fsr-3413	165	24	,	,	PUNCT
fsr-3413	165	25	and	and	CCONJ
fsr-3413	165	26	a	a	DET
fsr-3413	165	27	dummy	dummy	ADJ
fsr-3413	165	28	variable	variable	NOUN
fsr-3413	165	29	for	for	ADP
fsr-3413	165	30	game	game	NOUN
fsr-3413	165	31	show	show	NOUN
fsr-3413	165	32	)	)	PUNCT
fsr-3413	165	33	.	.	PUNCT
fsr-3413	166	1	hypothesis	hypothesis	NOUN
fsr-3413	166	2	2	2	NUM
fsr-3413	166	3	:	:	PUNCT
fsr-3413	166	4	percent	percent	NOUN
fsr-3413	166	5	spent	spend	VERB
fsr-3413	166	6	on	on	ADP
fsr-3413	166	7	adult	adult	NOUN
fsr-3413	166	8	sources	source	NOUN
fsr-3413	166	9	�	�	PROPN
fsr-3413	166	10	f(income	f(income	PROPN
fsr-3413	166	11	,	,	PUNCT
fsr-3413	166	12	materiality	materiality	NOUN
fsr-3413	166	13	,	,	PUNCT
fsr-3413	166	14	spend	spend	VERB
fsr-3413	166	15	1	1	NUM
fsr-3413	166	16	,	,	PUNCT
fsr-3413	166	17	dummy	dummy	ADJ
fsr-3413	166	18	variables	variable	NOUN
fsr-3413	166	19	for	for	ADP
fsr-3413	166	20	amount	amount	NOUN
fsr-3413	166	21	,	,	PUNCT
fsr-3413	166	22	and	and	CCONJ
fsr-3413	166	23	a	a	DET
fsr-3413	166	24	dummy	dummy	ADJ
fsr-3413	166	25	variable	variable	NOUN
fsr-3413	166	26	for	for	ADP
fsr-3413	166	27	game	game	NOUN
fsr-3413	166	28	show	show	NOUN
fsr-3413	166	29	)	)	PUNCT
fsr-3413	166	30	.	.	PUNCT
fsr-3413	167	1	5	5	X
fsr-3413	167	2	.	.	X
fsr-3413	167	3	results	result	NOUN
fsr-3413	167	4	there	there	PRON
fsr-3413	167	5	were	be	VERB
fsr-3413	167	6	approximately	approximately	ADV
fsr-3413	167	7	1,800	1,800	NUM
fsr-3413	167	8	returned	return	VERB
fsr-3413	167	9	instruments	instrument	NOUN
fsr-3413	167	10	in	in	ADP
fsr-3413	167	11	total	total	NOUN
fsr-3413	167	12	,	,	PUNCT
fsr-3413	167	13	of	of	ADP
fsr-3413	167	14	which	which	PRON
fsr-3413	167	15	601	601	NUM
fsr-3413	167	16	were	be	AUX
fsr-3413	167	17	usable	usable	ADJ
fsr-3413	167	18	and	and	CCONJ
fsr-3413	167	19	pertained	pertain	VERB
fsr-3413	167	20	to	to	ADP
fsr-3413	167	21	the	the	DET
fsr-3413	167	22	tax	tax	NOUN
fsr-3413	167	23	rebate	rebate	NOUN
fsr-3413	167	24	,	,	PUNCT
fsr-3413	167	25	bonus	bonus	NOUN
fsr-3413	167	26	and	and	CCONJ
fsr-3413	167	27	game	game	NOUN
fsr-3413	167	28	show	show	NOUN
fsr-3413	167	29	sources	source	NOUN
fsr-3413	167	30	of	of	ADP
fsr-3413	167	31	income	income	NOUN
fsr-3413	167	32	.	.	PUNCT
fsr-3413	168	1	most	most	ADJ
fsr-3413	168	2	of	of	ADP
fsr-3413	168	3	the	the	DET
fsr-3413	168	4	remaining	remain	VERB
fsr-3413	168	5	instruments	instrument	NOUN
fsr-3413	168	6	measured	measure	VERB
fsr-3413	168	7	responses	response	NOUN
fsr-3413	168	8	for	for	ADP
fsr-3413	168	9	inheritances	inheritance	NOUN
fsr-3413	168	10	and	and	CCONJ
fsr-3413	168	11	lottery	lottery	NOUN
fsr-3413	168	12	winnings	winning	NOUN
fsr-3413	168	13	,	,	PUNCT
fsr-3413	168	14	which	which	PRON
fsr-3413	168	15	were	be	AUX
fsr-3413	168	16	not	not	PART
fsr-3413	168	17	used	use	VERB
fsr-3413	168	18	in	in	ADP
fsr-3413	168	19	this	this	DET
fsr-3413	168	20	analysis	analysis	NOUN
fsr-3413	168	21	.	.	PUNCT
fsr-3413	169	1	some	some	PRON
fsr-3413	169	2	of	of	ADP
fsr-3413	169	3	the	the	DET
fsr-3413	169	4	instruments	instrument	NOUN
fsr-3413	169	5	were	be	AUX
fsr-3413	169	6	not	not	PART
fsr-3413	169	7	sufficiently	sufficiently	ADV
fsr-3413	169	8	completed	complete	VERB
fsr-3413	169	9	,	,	PUNCT
fsr-3413	169	10	perhaps	perhaps	ADV
fsr-3413	169	11	because	because	SCONJ
fsr-3413	169	12	some	some	DET
fsr-3413	169	13	students	student	NOUN
fsr-3413	169	14	were	be	AUX
fsr-3413	169	15	trying	try	VERB
fsr-3413	169	16	to	to	PART
fsr-3413	169	17	get	get	VERB
fsr-3413	169	18	extra	extra	ADJ
fsr-3413	169	19	credit	credit	NOUN
fsr-3413	169	20	without	without	ADP
fsr-3413	169	21	doing	do	VERB
fsr-3413	169	22	the	the	DET
fsr-3413	169	23	work	work	NOUN
fsr-3413	169	24	,	,	PUNCT
fsr-3413	169	25	and	and	CCONJ
fsr-3413	169	26	because	because	SCONJ
fsr-3413	169	27	responses	response	NOUN
fsr-3413	169	28	were	be	AUX
fsr-3413	169	29	anonymous	anonymous	ADJ
fsr-3413	169	30	,	,	PUNCT
fsr-3413	169	31	turning	turn	VERB
fsr-3413	169	32	in	in	ADP
fsr-3413	169	33	a	a	DET
fsr-3413	169	34	partially	partially	ADV
fsr-3413	169	35	completed	complete	VERB
fsr-3413	169	36	instrument	instrument	NOUN
fsr-3413	169	37	would	would	AUX
fsr-3413	169	38	produce	produce	VERB
fsr-3413	169	39	that	that	DET
fsr-3413	169	40	effect	effect	NOUN
fsr-3413	169	41	.	.	PUNCT
fsr-3413	170	1	if	if	SCONJ
fsr-3413	170	2	we	we	PRON
fsr-3413	170	3	are	be	AUX
fsr-3413	170	4	correct	correct	ADJ
fsr-3413	170	5	in	in	ADP
fsr-3413	170	6	reading	read	VERB
fsr-3413	170	7	this	this	DET
fsr-3413	170	8	situation	situation	NOUN
fsr-3413	170	9	,	,	PUNCT
fsr-3413	170	10	however	however	ADV
fsr-3413	170	11	,	,	PUNCT
fsr-3413	170	12	that	that	PRON
fsr-3413	170	13	would	would	AUX
fsr-3413	170	14	bias	bias	VERB
fsr-3413	170	15	this	this	DET
fsr-3413	170	16	study	study	NOUN
fsr-3413	170	17	against	against	ADP
fsr-3413	170	18	findings	finding	NOUN
fsr-3413	170	19	because	because	SCONJ
fsr-3413	170	20	of	of	ADP
fsr-3413	170	21	the	the	DET
fsr-3413	170	22	noise	noise	NOUN
fsr-3413	170	23	introduced	introduce	VERB
fsr-3413	170	24	in	in	ADP
fsr-3413	170	25	hastily	hastily	ADV
fsr-3413	170	26	completed	complete	VERB
fsr-3413	170	27	instruments	instrument	NOUN
fsr-3413	170	28	.	.	PUNCT
fsr-3413	171	1	twenty	twenty	NUM
fsr-3413	171	2	-	-	PUNCT
fsr-3413	171	3	two	two	NUM
fsr-3413	171	4	of	of	ADP
fsr-3413	171	5	these	these	DET
fsr-3413	171	6	observations	observation	NOUN
fsr-3413	171	7	had	have	VERB
fsr-3413	171	8	at	at	ADV
fsr-3413	171	9	least	least	ADJ
fsr-3413	171	10	one	one	NUM
fsr-3413	171	11	missing	miss	VERB
fsr-3413	171	12	value	value	NOUN
fsr-3413	171	13	.	.	PUNCT
fsr-3413	172	1	the	the	DET
fsr-3413	172	2	results	result	NOUN
fsr-3413	172	3	of	of	ADP
fsr-3413	172	4	the	the	DET
fsr-3413	172	5	regression	regression	NOUN
fsr-3413	172	6	are	be	AUX
fsr-3413	172	7	shown	show	VERB
fsr-3413	172	8	in	in	ADP
fsr-3413	172	9	table	table	NOUN
fsr-3413	172	10	1	1	NUM
fsr-3413	172	11	.	.	PUNCT
fsr-3413	172	12	as	as	SCONJ
fsr-3413	172	13	shown	show	VERB
fsr-3413	172	14	in	in	ADP
fsr-3413	172	15	table	table	NOUN
fsr-3413	172	16	1	1	NUM
fsr-3413	172	17	,	,	PUNCT
fsr-3413	172	18	the	the	DET
fsr-3413	172	19	results	result	NOUN
fsr-3413	172	20	of	of	ADP
fsr-3413	172	21	this	this	DET
fsr-3413	172	22	regression	regression	NOUN
fsr-3413	172	23	were	be	AUX
fsr-3413	172	24	highly	highly	ADV
fsr-3413	172	25	significant	significant	ADJ
fsr-3413	172	26	at	at	ADP
fsr-3413	172	27	p	p	PROPN
fsr-3413	172	28	�	�	PROPN
fsr-3413	172	29	0.0005	0.0005	NUM
fsr-3413	172	30	,	,	PUNCT
fsr-3413	172	31	although	although	SCONJ
fsr-3413	172	32	the	the	DET
fsr-3413	172	33	r2	r2	NOUN
fsr-3413	172	34	is	be	AUX
fsr-3413	172	35	0.0652	0.0652	NUM
fsr-3413	172	36	and	and	CCONJ
fsr-3413	172	37	the	the	DET
fsr-3413	172	38	adjusted	adjust	VERB
fsr-3413	172	39	r2	r2	NOUN
fsr-3413	172	40	is	be	AUX
fsr-3413	172	41	0.0481	0.0481	NUM
fsr-3413	172	42	.	.	PUNCT
fsr-3413	173	1	likewise	likewise	ADV
fsr-3413	173	2	,	,	PUNCT
fsr-3413	173	3	the	the	DET
fsr-3413	173	4	source	source	NOUN
fsr-3413	173	5	of	of	ADP
fsr-3413	173	6	the	the	DET
fsr-3413	173	7	payment	payment	NOUN
fsr-3413	173	8	was	be	AUX
fsr-3413	173	9	highly	highly	ADV
fsr-3413	173	10	significant	significant	ADJ
fsr-3413	173	11	at	at	ADP
fsr-3413	173	12	p	p	PROPN
fsr-3413	173	13	�	�	PROPN
fsr-3413	173	14	0.0151	0.0151	NUM
fsr-3413	173	15	and	and	CCONJ
fsr-3413	173	16	the	the	DET
fsr-3413	173	17	coefficient	coefficient	NOUN
fsr-3413	173	18	was	be	AUX
fsr-3413	173	19	a	a	DET
fsr-3413	173	20	positive	positive	ADJ
fsr-3413	173	21	0.06933	0.06933	NUM
fsr-3413	173	22	,	,	PUNCT
fsr-3413	173	23	indicating	indicate	VERB
fsr-3413	173	24	that	that	SCONJ
fsr-3413	173	25	respondents	respondent	NOUN
fsr-3413	173	26	spent	spend	VERB
fsr-3413	173	27	more	more	ADJ
fsr-3413	173	28	on	on	ADP
fsr-3413	173	29	fun	fun	NOUN
fsr-3413	173	30	when	when	SCONJ
fsr-3413	173	31	they	they	PRON
fsr-3413	173	32	received	receive	VERB
fsr-3413	173	33	the	the	DET
fsr-3413	173	34	same	same	ADJ
fsr-3413	173	35	amount	amount	NOUN
fsr-3413	173	36	of	of	ADP
fsr-3413	173	37	payment	payment	NOUN
fsr-3413	173	38	from	from	ADP
fsr-3413	173	39	a	a	DET
fsr-3413	173	40	fun	fun	NOUN
fsr-3413	173	41	source	source	NOUN
fsr-3413	173	42	(	(	PUNCT
fsr-3413	173	43	game	game	NOUN
fsr-3413	173	44	show	show	NOUN
fsr-3413	173	45	)	)	PUNCT
fsr-3413	173	46	than	than	ADP
fsr-3413	173	47	from	from	ADP
fsr-3413	173	48	a	a	DET
fsr-3413	173	49	less	less	ADV
fsr-3413	173	50	fun	fun	NOUN
fsr-3413	173	51	source	source	NOUN
fsr-3413	173	52	(	(	PUNCT
fsr-3413	173	53	tax	tax	NOUN
fsr-3413	173	54	rebate	rebate	NOUN
fsr-3413	173	55	)	)	PUNCT
fsr-3413	173	56	,	,	PUNCT
fsr-3413	173	57	and	and	CCONJ
fsr-3413	173	58	rejecting	reject	VERB
fsr-3413	173	59	the	the	DET
fsr-3413	173	60	null	null	ADJ
fsr-3413	173	61	hypothesis	hypothesis	NOUN
fsr-3413	173	62	1	1	NUM
fsr-3413	173	63	.	.	PUNCT
fsr-3413	174	1	materiality	materiality	NOUN
fsr-3413	174	2	,	,	PUNCT
fsr-3413	174	3	which	which	PRON
fsr-3413	174	4	is	be	AUX
fsr-3413	174	5	the	the	DET
fsr-3413	174	6	relative	relative	ADJ
fsr-3413	174	7	size	size	NOUN
fsr-3413	174	8	of	of	ADP
fsr-3413	174	9	the	the	DET
fsr-3413	174	10	total	total	ADJ
fsr-3413	174	11	payment	payment	NOUN
fsr-3413	174	12	,	,	PUNCT
fsr-3413	174	13	was	be	AUX
fsr-3413	174	14	also	also	ADV
fsr-3413	174	15	statistically	statistically	ADV
fsr-3413	174	16	significant	significant	ADJ
fsr-3413	174	17	at	at	ADP
fsr-3413	174	18	p	p	PROPN
fsr-3413	174	19	�	�	PROPN
fsr-3413	174	20	0.0106	0.0106	NUM
fsr-3413	174	21	,	,	PUNCT
fsr-3413	174	22	however	however	ADV
fsr-3413	174	23	,	,	PUNCT
fsr-3413	174	24	the	the	DET
fsr-3413	174	25	coefficient	coefficient	NOUN
fsr-3413	174	26	of	of	ADP
fsr-3413	174	27	0.00009549	0.00009549	NUM
fsr-3413	174	28	is	be	AUX
fsr-3413	174	29	economically	economically	ADV
fsr-3413	174	30	quite	quite	ADV
fsr-3413	174	31	low	low	ADJ
fsr-3413	174	32	.	.	PUNCT
fsr-3413	175	1	the	the	DET
fsr-3413	175	2	total	total	ADJ
fsr-3413	175	3	amount	amount	NOUN
fsr-3413	175	4	of	of	ADP
fsr-3413	175	5	the	the	DET
fsr-3413	175	6	payment	payment	NOUN
fsr-3413	175	7	for	for	ADP
fsr-3413	175	8	each	each	DET
fsr-3413	175	9	dummy	dummy	ADJ
fsr-3413	175	10	variable	variable	NOUN
fsr-3413	175	11	was	be	AUX
fsr-3413	175	12	significant	significant	ADJ
fsr-3413	175	13	at	at	ADP
fsr-3413	175	14	p	p	PROPN
fsr-3413	175	15	�	�	PROPN
fsr-3413	175	16	0.05	0.05	NUM
fsr-3413	175	17	,	,	PUNCT
fsr-3413	175	18	with	with	ADP
fsr-3413	175	19	all	all	DET
fsr-3413	175	20	amount	amount	NOUN
fsr-3413	175	21	coefficients	coefficient	NOUN
fsr-3413	175	22	being	be	AUX
fsr-3413	175	23	negative	negative	ADJ
fsr-3413	175	24	,	,	PUNCT
fsr-3413	175	25	indicating	indicate	VERB
fsr-3413	175	26	that	that	SCONJ
fsr-3413	175	27	the	the	PRON
fsr-3413	175	28	higher	high	ADJ
fsr-3413	175	29	the	the	DET
fsr-3413	175	30	payment	payment	NOUN
fsr-3413	175	31	,	,	PUNCT
fsr-3413	175	32	the	the	DET
fsr-3413	175	33	less	less	ADV
fsr-3413	175	34	was	be	AUX
fsr-3413	175	35	spent	spend	VERB
fsr-3413	175	36	on	on	ADP
fsr-3413	175	37	fun	fun	NOUN
fsr-3413	175	38	.	.	PUNCT
fsr-3413	176	1	spend1	spend1	NOUN
fsr-3413	176	2	,	,	PUNCT
fsr-3413	176	3	which	which	PRON
fsr-3413	176	4	was	be	AUX
fsr-3413	176	5	the	the	DET
fsr-3413	176	6	dummy	dummy	ADJ
fsr-3413	176	7	variable	variable	NOUN
fsr-3413	176	8	equal	equal	ADJ
fsr-3413	176	9	to	to	ADP
fsr-3413	176	10	one	one	NUM
fsr-3413	176	11	for	for	ADP
fsr-3413	176	12	those	those	PRON
fsr-3413	176	13	that	that	PRON
fsr-3413	176	14	indicated	indicate	VERB
fsr-3413	176	15	that	that	SCONJ
fsr-3413	176	16	they	they	PRON
fsr-3413	176	17	would	would	AUX
fsr-3413	176	18	normally	normally	ADV
fsr-3413	176	19	spend	spend	VERB
fsr-3413	176	20	extra	extra	ADJ
fsr-3413	176	21	funds	fund	NOUN
fsr-3413	176	22	,	,	PUNCT
fsr-3413	176	23	was	be	AUX
fsr-3413	176	24	significant	significant	ADJ
fsr-3413	176	25	at	at	ADP
fsr-3413	176	26	p	p	PROPN
fsr-3413	176	27	�	�	PROPN
fsr-3413	176	28	0.05	0.05	NUM
fsr-3413	176	29	as	as	SCONJ
fsr-3413	176	30	this	this	PRON
fsr-3413	176	31	would	would	AUX
fsr-3413	176	32	be	be	AUX
fsr-3413	176	33	a	a	DET
fsr-3413	176	34	24	24	NUM
fsr-3413	176	35	e.	e.	PROPN
fsr-3413	176	36	bland	bland	PROPN
fsr-3413	176	37	,	,	PUNCT
fsr-3413	176	38	v.	v.	ADP
fsr-3413	176	39	chambers	chambers	PROPN
fsr-3413	176	40	/	/	SYM
fsr-3413	176	41	financial	financial	ADJ
fsr-3413	176	42	services	service	NOUN
fsr-3413	176	43	review	review	VERB
fsr-3413	176	44	28	28	NUM
fsr-3413	176	45	(	(	PUNCT
fsr-3413	176	46	2020	2020	NUM
fsr-3413	176	47	)	)	PUNCT
fsr-3413	176	48	17	17	NUM
fsr-3413	176	49	-	-	SYM
fsr-3413	176	50	34	34	NUM
fsr-3413	176	51	one	one	NUM
fsr-3413	176	52	-	-	PUNCT
fsr-3413	176	53	tailed	tail	VERB
fsr-3413	176	54	test	test	NOUN
fsr-3413	176	55	for	for	ADP
fsr-3413	176	56	this	this	DET
fsr-3413	176	57	variable	variable	NOUN
fsr-3413	176	58	.	.	PUNCT
fsr-3413	177	1	the	the	DET
fsr-3413	177	2	results	result	NOUN
fsr-3413	177	3	of	of	ADP
fsr-3413	177	4	this	this	DET
fsr-3413	177	5	regression	regression	NOUN
fsr-3413	177	6	indicate	indicate	VERB
fsr-3413	177	7	that	that	SCONJ
fsr-3413	177	8	the	the	DET
fsr-3413	177	9	first	first	ADJ
fsr-3413	177	10	null	null	ADJ
fsr-3413	177	11	hypothesis	hypothesis	NOUN
fsr-3413	177	12	was	be	AUX
fsr-3413	177	13	rejected	reject	VERB
fsr-3413	177	14	.	.	PUNCT
fsr-3413	178	1	in	in	ADP
fsr-3413	178	2	the	the	DET
fsr-3413	178	3	combined	combine	VERB
fsr-3413	178	4	,	,	PUNCT
fsr-3413	178	5	three	three	NUM
fsr-3413	178	6	-	-	PUNCT
fsr-3413	178	7	source	source	NOUN
fsr-3413	178	8	regression	regression	NOUN
fsr-3413	178	9	shown	show	VERB
fsr-3413	178	10	in	in	ADP
fsr-3413	178	11	table	table	NOUN
fsr-3413	178	12	2	2	NUM
fsr-3413	178	13	,	,	PUNCT
fsr-3413	178	14	the	the	DET
fsr-3413	178	15	model	model	NOUN
fsr-3413	178	16	continues	continue	VERB
fsr-3413	178	17	to	to	PART
fsr-3413	178	18	be	be	AUX
fsr-3413	178	19	highly	highly	ADV
fsr-3413	178	20	significant	significant	ADJ
fsr-3413	178	21	at	at	ADP
fsr-3413	178	22	p	p	PROPN
fsr-3413	178	23	�	�	PROPN
fsr-3413	178	24	0.01	0.01	NUM
fsr-3413	178	25	.	.	PUNCT
fsr-3413	179	1	the	the	DET
fsr-3413	179	2	amounts	amount	NOUN
fsr-3413	179	3	of	of	ADP
fsr-3413	179	4	the	the	DET
fsr-3413	179	5	payment	payment	NOUN
fsr-3413	179	6	continue	continue	VERB
fsr-3413	179	7	to	to	PART
fsr-3413	179	8	be	be	AUX
fsr-3413	179	9	highly	highly	ADV
fsr-3413	179	10	significant	significant	ADJ
fsr-3413	179	11	with	with	ADP
fsr-3413	179	12	negative	negative	ADJ
fsr-3413	179	13	coefficients	coefficient	NOUN
fsr-3413	179	14	,	,	PUNCT
fsr-3413	179	15	and	and	CCONJ
fsr-3413	179	16	the	the	DET
fsr-3413	179	17	game	game	NOUN
fsr-3413	179	18	show	show	NOUN
fsr-3413	179	19	source	source	NOUN
fsr-3413	179	20	dummy	dummy	NOUN
fsr-3413	179	21	continues	continue	VERB
fsr-3413	179	22	to	to	PART
fsr-3413	179	23	be	be	AUX
fsr-3413	179	24	highly	highly	ADV
fsr-3413	179	25	significant	significant	ADJ
fsr-3413	179	26	and	and	CCONJ
fsr-3413	179	27	results	result	NOUN
fsr-3413	179	28	in	in	ADP
fsr-3413	179	29	higher	high	ADJ
fsr-3413	179	30	spending	spending	NOUN
fsr-3413	179	31	on	on	ADP
fsr-3413	179	32	fun	fun	NOUN
fsr-3413	179	33	.	.	PUNCT
fsr-3413	180	1	when	when	SCONJ
fsr-3413	180	2	comparing	compare	VERB
fsr-3413	180	3	payments	payment	NOUN
fsr-3413	180	4	from	from	ADP
fsr-3413	180	5	bonus	bonus	NOUN
fsr-3413	180	6	and	and	CCONJ
fsr-3413	180	7	tax	tax	NOUN
fsr-3413	180	8	rebates	rebate	NOUN
fsr-3413	180	9	(	(	PUNCT
fsr-3413	180	10	the	the	DET
fsr-3413	180	11	omitted	omit	VERB
fsr-3413	180	12	variable	variable	NOUN
fsr-3413	180	13	)	)	PUNCT
fsr-3413	180	14	,	,	PUNCT
fsr-3413	180	15	the	the	DET
fsr-3413	180	16	source	source	NOUN
fsr-3413	180	17	of	of	ADP
fsr-3413	180	18	the	the	DET
fsr-3413	180	19	payment	payment	NOUN
fsr-3413	180	20	was	be	AUX
fsr-3413	180	21	not	not	PART
fsr-3413	180	22	marginally	marginally	ADV
fsr-3413	180	23	significant	significant	ADJ
fsr-3413	180	24	at	at	ADP
fsr-3413	180	25	p	p	PROPN
fsr-3413	180	26	�	�	PROPN
fsr-3413	180	27	0.10	0.10	NUM
fsr-3413	180	28	,	,	PUNCT
fsr-3413	180	29	indicating	indicate	VERB
fsr-3413	180	30	that	that	SCONJ
fsr-3413	180	31	a	a	DET
fsr-3413	180	32	bonus	bonus	NOUN
fsr-3413	180	33	was	be	AUX
fsr-3413	180	34	more	more	ADV
fsr-3413	180	35	neutral	neutral	ADJ
fsr-3413	180	36	than	than	ADP
fsr-3413	180	37	either	either	CCONJ
fsr-3413	180	38	tax	tax	NOUN
fsr-3413	180	39	rebate	rebate	NOUN
fsr-3413	180	40	or	or	CCONJ
fsr-3413	180	41	game	game	NOUN
fsr-3413	180	42	show	show	NOUN
fsr-3413	180	43	sources	source	NOUN
fsr-3413	180	44	.	.	PUNCT
fsr-3413	181	1	table	table	NOUN
fsr-3413	181	2	1	1	NUM
fsr-3413	181	3	regression	regression	NOUN
fsr-3413	181	4	of	of	ADP
fsr-3413	181	5	hedonistic	hedonistic	ADJ
fsr-3413	181	6	“	"	PUNCT
fsr-3413	181	7	fun	fun	NOUN
fsr-3413	181	8	”	"	PUNCT
fsr-3413	181	9	spending	spending	NOUN
fsr-3413	181	10	between	between	ADP
fsr-3413	181	11	game	game	NOUN
fsr-3413	181	12	show	show	NOUN
fsr-3413	181	13	and	and	CCONJ
fsr-3413	181	14	tax	tax	NOUN
fsr-3413	181	15	rebate	rebate	NOUN
fsr-3413	181	16	analysis	analysis	NOUN
fsr-3413	181	17	of	of	ADP
fsr-3413	181	18	variance	variance	NOUN
fsr-3413	181	19	source	source	NOUN
fsr-3413	181	20	df	df	PROPN
fsr-3413	181	21	sum	sum	NOUN
fsr-3413	181	22	of	of	ADP
fsr-3413	181	23	squares	square	NOUN
fsr-3413	181	24	mean	mean	VERB
fsr-3413	181	25	square	square	ADJ
fsr-3413	181	26	f	f	PROPN
fsr-3413	181	27	value	value	NOUN
fsr-3413	181	28	pr	pr	X
fsr-3413	181	29	�	�	PROPN
fsr-3413	181	30	f	f	PROPN
fsr-3413	181	31	r2	r2	PROPN
fsr-3413	181	32	model	model	NOUN
fsr-3413	181	33	7	7	NUM
fsr-3413	181	34	2.03636	2.03636	NUM
fsr-3413	181	35	0.29091	0.29091	NUM
fsr-3413	181	36	3.82	3.82	NUM
fsr-3413	181	37	0.0005	0.0005	NUM
fsr-3413	181	38	0.0652	0.0652	NUM
fsr-3413	181	39	error	error	NOUN
fsr-3413	181	40	383	383	NUM
fsr-3413	181	41	29.18922	29.18922	NUM
fsr-3413	181	42	0.07621	0.07621	NUM
fsr-3413	181	43	corrected	correct	VERB
fsr-3413	181	44	total	total	ADJ
fsr-3413	181	45	390	390	NUM
fsr-3413	181	46	31.22558	31.22558	NUM
fsr-3413	181	47	parameter	parameter	NOUN
fsr-3413	181	48	estimates	estimate	VERB
fsr-3413	181	49	variable	variable	ADJ
fsr-3413	181	50	df	df	PROPN
fsr-3413	181	51	parameter	parameter	NOUN
fsr-3413	181	52	estimate	estimate	NOUN
fsr-3413	181	53	standard	standard	ADJ
fsr-3413	181	54	error	error	NOUN
fsr-3413	181	55	t	t	NOUN
fsr-3413	181	56	-	-	PUNCT
fsr-3413	181	57	value	value	NOUN
fsr-3413	181	58	pr	pr	NOUN
fsr-3413	181	59	�	�	PROPN
fsr-3413	181	60	t	t	PROPN
fsr-3413	181	61	intercept	intercept	VERB
fsr-3413	181	62	1	1	NUM
fsr-3413	181	63	0.22191	0.22191	NUM
fsr-3413	181	64	0.06037	0.06037	NUM
fsr-3413	181	65	3.68	3.68	NUM
fsr-3413	181	66	0.0003	0.0003	NUM
fsr-3413	181	67	lnincome	lnincome	NOUN
fsr-3413	181	68	1	1	NUM
fsr-3413	181	69	0.00778	0.00778	NUM
fsr-3413	181	70	0.00583	0.00583	NUM
fsr-3413	181	71	1.33	1.33	NUM
fsr-3413	181	72	0.1829	0.1829	NUM
fsr-3413	181	73	materiality	materiality	NOUN
fsr-3413	181	74	1	1	NUM
fsr-3413	181	75	0.00009549	0.00009549	NUM
fsr-3413	181	76	0.00003720	0.00003720	NUM
fsr-3413	181	77	2.57	2.57	NUM
fsr-3413	181	78	0.0106	0.0106	NUM
fsr-3413	181	79	spend1	spend1	NOUN
fsr-3413	181	80	1	1	NUM
fsr-3413	181	81	0.05509	0.05509	NUM
fsr-3413	181	82	0.02934	0.02934	NUM
fsr-3413	181	83	1.88	1.88	NUM
fsr-3413	181	84	0.0611	0.0611	NUM
fsr-3413	181	85	level600	level600	PROPN
fsr-3413	181	86	1	1	NUM
fsr-3413	181	87	�	�	PROPN
fsr-3413	181	88	0.10282	0.10282	NUM
fsr-3413	181	89	0.03625	0.03625	NUM
fsr-3413	181	90	�	�	PROPN
fsr-3413	181	91	2.84	2.84	NUM
fsr-3413	181	92	0.0048	0.0048	NUM
fsr-3413	181	93	level1500	level1500	PROPN
fsr-3413	181	94	1	1	NUM
fsr-3413	181	95	�	�	PROPN
fsr-3413	181	96	0.09549	0.09549	NUM
fsr-3413	181	97	0.04242	0.04242	NUM
fsr-3413	181	98	�	�	NOUN
fsr-3413	181	99	2.25	2.25	NUM
fsr-3413	181	100	0.0249	0.0249	NUM
fsr-3413	181	101	level3000	level3000	PROPN
fsr-3413	181	102	1	1	NUM
fsr-3413	181	103	�	�	PROPN
fsr-3413	181	104	0.13641	0.13641	NUM
fsr-3413	181	105	0.04201	0.04201	NUM
fsr-3413	181	106	�	�	SYM
fsr-3413	181	107	3.25	3.25	NUM
fsr-3413	181	108	0.0013	0.0013	NUM
fsr-3413	181	109	gameshow	gameshow	NOUN
fsr-3413	181	110	dummy	dummy	NOUN
fsr-3413	181	111	1	1	NUM
fsr-3413	181	112	0.06933	0.06933	NUM
fsr-3413	181	113	0.02839	0.02839	NUM
fsr-3413	181	114	2.44	2.44	NUM
fsr-3413	181	115	0.0151	0.0151	NUM
fsr-3413	181	116	table	table	NOUN
fsr-3413	181	117	2	2	NUM
fsr-3413	181	118	regression	regression	NOUN
fsr-3413	181	119	of	of	ADP
fsr-3413	181	120	hedonistic	hedonistic	ADJ
fsr-3413	181	121	“	"	PUNCT
fsr-3413	181	122	fun	fun	NOUN
fsr-3413	181	123	”	"	PUNCT
fsr-3413	181	124	spending	spending	NOUN
fsr-3413	181	125	among	among	ADP
fsr-3413	181	126	bonus	bonus	NOUN
fsr-3413	181	127	,	,	PUNCT
fsr-3413	181	128	game	game	NOUN
fsr-3413	181	129	show	show	NOUN
fsr-3413	181	130	,	,	PUNCT
fsr-3413	181	131	and	and	CCONJ
fsr-3413	181	132	tax	tax	NOUN
fsr-3413	181	133	rebate	rebate	NOUN
fsr-3413	181	134	analysis	analysis	NOUN
fsr-3413	181	135	of	of	ADP
fsr-3413	181	136	variance	variance	NOUN
fsr-3413	181	137	source	source	NOUN
fsr-3413	181	138	df	df	PROPN
fsr-3413	181	139	sum	sum	NOUN
fsr-3413	181	140	of	of	ADP
fsr-3413	181	141	squares	square	NOUN
fsr-3413	181	142	mean	mean	VERB
fsr-3413	181	143	square	square	ADJ
fsr-3413	181	144	f	f	PROPN
fsr-3413	181	145	value	value	NOUN
fsr-3413	181	146	pr	pr	X
fsr-3413	181	147	�	�	PROPN
fsr-3413	181	148	f	f	PROPN
fsr-3413	181	149	r2	r2	PROPN
fsr-3413	181	150	model	model	NOUN
fsr-3413	181	151	8	8	NUM
fsr-3413	182	1	1.97917	1.97917	NUM
fsr-3413	182	2	0.24740	0.24740	NUM
fsr-3413	182	3	3.21	3.21	NUM
fsr-3413	182	4	0.0014	0.0014	NUM
fsr-3413	182	5	0.0431	0.0431	NUM
fsr-3413	182	6	error	error	NOUN
fsr-3413	182	7	570	570	NUM
fsr-3413	182	8	43.97676	43.97676	NUM
fsr-3413	182	9	0.07715	0.07715	NUM
fsr-3413	182	10	corrected	correct	VERB
fsr-3413	182	11	total	total	ADJ
fsr-3413	182	12	578	578	NUM
fsr-3413	182	13	45.95592	45.95592	NUM
fsr-3413	182	14	parameter	parameter	NOUN
fsr-3413	182	15	estimates	estimate	VERB
fsr-3413	182	16	variable	variable	ADJ
fsr-3413	182	17	df	df	PROPN
fsr-3413	182	18	parameter	parameter	NOUN
fsr-3413	182	19	estimate	estimate	NOUN
fsr-3413	182	20	standard	standard	ADJ
fsr-3413	182	21	error	error	NOUN
fsr-3413	182	22	t	t	NOUN
fsr-3413	182	23	-	-	PUNCT
fsr-3413	182	24	value	value	NOUN
fsr-3413	182	25	pr	pr	NOUN
fsr-3413	182	26	�	�	PROPN
fsr-3413	182	27	t	t	PROPN
fsr-3413	182	28	intercept	intercept	VERB
fsr-3413	182	29	1	1	NUM
fsr-3413	182	30	0.27961	0.27961	NUM
fsr-3413	182	31	0.05228	0.05228	NUM
fsr-3413	182	32	5.35	5.35	NUM
fsr-3413	182	33	�	�	NOUN
fsr-3413	182	34	.0001	.0001	X
fsr-3413	182	35	lnincome	lnincome	NOUN
fsr-3413	182	36	1	1	NUM
fsr-3413	182	37	0.00184	0.00184	NUM
fsr-3413	182	38	0.00486	0.00486	NUM
fsr-3413	182	39	0.38	0.38	NUM
fsr-3413	182	40	0.7046	0.7046	NUM
fsr-3413	182	41	materiality	materiality	NOUN
fsr-3413	182	42	1	1	NUM
fsr-3413	182	43	0.00004837	0.00004837	NUM
fsr-3413	182	44	0.00003032	0.00003032	NUM
fsr-3413	182	45	1.60	1.60	NUM
fsr-3413	182	46	0.1111	0.1111	NUM
fsr-3413	182	47	spend1	spend1	NOUN
fsr-3413	182	48	1	1	NUM
fsr-3413	182	49	0.03874	0.03874	NUM
fsr-3413	183	1	0.02435	0.02435	NUM
fsr-3413	183	2	1.59	1.59	NUM
fsr-3413	183	3	0.1121	0.1121	NUM
fsr-3413	183	4	level600	level600	PROPN
fsr-3413	183	5	1	1	NUM
fsr-3413	183	6	�	�	NOUN
fsr-3413	183	7	0.08007	0.08007	NUM
fsr-3413	183	8	0.03120	0.03120	NUM
fsr-3413	183	9	�	�	PROPN
fsr-3413	183	10	2.57	2.57	NUM
fsr-3413	183	11	0.0105	0.0105	NUM
fsr-3413	183	12	level1500	level1500	PROPN
fsr-3413	183	13	1	1	NUM
fsr-3413	183	14	�	�	PROPN
fsr-3413	183	15	0.11248	0.11248	NUM
fsr-3413	183	16	0.03409	0.03409	NUM
fsr-3413	183	17	�	�	PROPN
fsr-3413	183	18	3.30	3.30	NUM
fsr-3413	183	19	0.0010	0.0010	NUM
fsr-3413	183	20	level3000	level3000	PROPN
fsr-3413	183	21	1	1	NUM
fsr-3413	183	22	�	�	PROPN
fsr-3413	183	23	0.11368	0.11368	NUM
fsr-3413	183	24	0.03441	0.03441	NUM
fsr-3413	183	25	�	�	NOUN
fsr-3413	183	26	3.30	3.30	NUM
fsr-3413	183	27	0.0010	0.0010	NUM
fsr-3413	183	28	bonus	bonus	NOUN
fsr-3413	183	29	dummy	dummy	NOUN
fsr-3413	183	30	1	1	NUM
fsr-3413	183	31	0.03351	0.03351	NUM
fsr-3413	183	32	0.02911	0.02911	NUM
fsr-3413	183	33	1.15	1.15	NUM
fsr-3413	183	34	0.2502	0.2502	NUM
fsr-3413	183	35	gameshow	gameshow	NOUN
fsr-3413	183	36	dummy	dummy	ADJ
fsr-3413	183	37	1	1	NUM
fsr-3413	183	38	0.06745	0.06745	NUM
fsr-3413	183	39	0.02840	0.02840	NUM
fsr-3413	183	40	2.38	2.38	NUM
fsr-3413	183	41	0.0179	0.0179	NUM
fsr-3413	183	42	25e	25e	NOUN
fsr-3413	183	43	.	.	PUNCT
fsr-3413	184	1	bland	bland	ADJ
fsr-3413	184	2	,	,	PUNCT
fsr-3413	184	3	v.	v.	ADP
fsr-3413	184	4	chambers	chambers	PROPN
fsr-3413	184	5	/	/	SYM
fsr-3413	184	6	financial	financial	ADJ
fsr-3413	184	7	services	service	NOUN
fsr-3413	184	8	review	review	VERB
fsr-3413	184	9	28	28	NUM
fsr-3413	184	10	(	(	PUNCT
fsr-3413	184	11	2020	2020	NUM
fsr-3413	184	12	)	)	PUNCT
fsr-3413	184	13	17	17	NUM
fsr-3413	184	14	-	-	SYM
fsr-3413	184	15	34	34	NUM
fsr-3413	184	16	regressions	regression	NOUN
fsr-3413	184	17	were	be	AUX
fsr-3413	184	18	also	also	ADV
fsr-3413	184	19	run	run	VERB
fsr-3413	184	20	directly	directly	ADV
fsr-3413	184	21	comparing	compare	VERB
fsr-3413	184	22	spending	spending	NOUN
fsr-3413	184	23	on	on	ADP
fsr-3413	184	24	fun	fun	NOUN
fsr-3413	184	25	from	from	ADP
fsr-3413	184	26	game	game	NOUN
fsr-3413	184	27	show	show	NOUN
fsr-3413	184	28	winnings	winning	NOUN
fsr-3413	184	29	with	with	ADP
fsr-3413	184	30	a	a	DET
fsr-3413	184	31	bonus	bonus	NOUN
fsr-3413	184	32	.	.	PUNCT
fsr-3413	185	1	no	no	DET
fsr-3413	185	2	statistically	statistically	ADV
fsr-3413	185	3	significant	significant	ADJ
fsr-3413	185	4	differences	difference	NOUN
fsr-3413	185	5	were	be	AUX
fsr-3413	185	6	found	find	VERB
fsr-3413	185	7	.	.	PUNCT
fsr-3413	186	1	similarly	similarly	ADV
fsr-3413	186	2	,	,	PUNCT
fsr-3413	186	3	regressions	regression	NOUN
fsr-3413	186	4	were	be	AUX
fsr-3413	186	5	run	run	VERB
fsr-3413	186	6	directly	directly	ADV
fsr-3413	186	7	comparing	compare	VERB
fsr-3413	186	8	spending	spending	NOUN
fsr-3413	186	9	from	from	ADP
fsr-3413	186	10	a	a	DET
fsr-3413	186	11	tax	tax	NOUN
fsr-3413	186	12	rebate	rebate	NOUN
fsr-3413	186	13	and	and	CCONJ
fsr-3413	186	14	a	a	DET
fsr-3413	186	15	bonus	bonus	NOUN
fsr-3413	186	16	.	.	PUNCT
fsr-3413	187	1	no	no	DET
fsr-3413	187	2	statistically	statistically	ADV
fsr-3413	187	3	significant	significant	ADJ
fsr-3413	187	4	differences	difference	NOUN
fsr-3413	187	5	were	be	AUX
fsr-3413	187	6	found	find	VERB
fsr-3413	187	7	and	and	CCONJ
fsr-3413	187	8	tables	table	NOUN
fsr-3413	187	9	for	for	ADP
fsr-3413	187	10	these	these	DET
fsr-3413	187	11	results	result	NOUN
fsr-3413	187	12	are	be	AUX
fsr-3413	187	13	omitted	omit	VERB
fsr-3413	187	14	.	.	PUNCT
fsr-3413	188	1	this	this	PRON
fsr-3413	188	2	may	may	AUX
fsr-3413	188	3	mean	mean	VERB
fsr-3413	188	4	that	that	SCONJ
fsr-3413	188	5	a	a	DET
fsr-3413	188	6	bonus	bonus	NOUN
fsr-3413	188	7	has	have	VERB
fsr-3413	188	8	characteristics	characteristic	NOUN
fsr-3413	188	9	of	of	ADP
fsr-3413	188	10	both	both	CCONJ
fsr-3413	188	11	a	a	DET
fsr-3413	188	12	tax	tax	NOUN
fsr-3413	188	13	rebate	rebate	NOUN
fsr-3413	188	14	and	and	CCONJ
fsr-3413	188	15	a	a	DET
fsr-3413	188	16	game	game	NOUN
fsr-3413	188	17	show	show	NOUN
fsr-3413	188	18	winning	win	VERB
fsr-3413	188	19	.	.	PUNCT
fsr-3413	189	1	like	like	ADP
fsr-3413	189	2	a	a	DET
fsr-3413	189	3	tax	tax	NOUN
fsr-3413	189	4	rebate	rebate	NOUN
fsr-3413	189	5	,	,	PUNCT
fsr-3413	189	6	it	it	PRON
fsr-3413	189	7	is	be	AUX
fsr-3413	189	8	derived	derive	VERB
fsr-3413	189	9	from	from	ADP
fsr-3413	189	10	work	work	NOUN
fsr-3413	189	11	,	,	PUNCT
fsr-3413	189	12	but	but	CCONJ
fsr-3413	189	13	like	like	ADP
fsr-3413	189	14	a	a	DET
fsr-3413	189	15	game	game	NOUN
fsr-3413	189	16	show	show	NOUN
fsr-3413	189	17	winning	win	VERB
fsr-3413	189	18	,	,	PUNCT
fsr-3413	189	19	a	a	DET
fsr-3413	189	20	bonus	bonus	NOUN
fsr-3413	189	21	may	may	AUX
fsr-3413	189	22	have	have	VERB
fsr-3413	189	23	euphoric	euphoric	ADJ
fsr-3413	189	24	qualities	quality	NOUN
fsr-3413	189	25	one	one	PRON
fsr-3413	189	26	would	would	AUX
fsr-3413	189	27	celebrate	celebrate	VERB
fsr-3413	189	28	.	.	PUNCT
fsr-3413	190	1	though	though	SCONJ
fsr-3413	190	2	not	not	PART
fsr-3413	190	3	statistically	statistically	ADV
fsr-3413	190	4	significant	significant	ADJ
fsr-3413	190	5	from	from	ADP
fsr-3413	190	6	zero	zero	NUM
fsr-3413	190	7	,	,	PUNCT
fsr-3413	190	8	the	the	DET
fsr-3413	190	9	coefficient	coefficient	NOUN
fsr-3413	190	10	for	for	ADP
fsr-3413	190	11	bonus	bonus	NOUN
fsr-3413	190	12	is	be	AUX
fsr-3413	190	13	positive	positive	ADJ
fsr-3413	190	14	and	and	CCONJ
fsr-3413	190	15	about	about	ADP
fsr-3413	190	16	half	half	DET
fsr-3413	190	17	the	the	DET
fsr-3413	190	18	size	size	NOUN
fsr-3413	190	19	of	of	ADP
fsr-3413	190	20	the	the	DET
fsr-3413	190	21	coefficient	coefficient	NOUN
fsr-3413	190	22	for	for	ADP
fsr-3413	190	23	the	the	DET
fsr-3413	190	24	game	game	NOUN
fsr-3413	190	25	show	show	NOUN
fsr-3413	190	26	dummy	dummy	NOUN
fsr-3413	190	27	.	.	PUNCT
fsr-3413	191	1	in	in	ADP
fsr-3413	191	2	the	the	DET
fsr-3413	191	3	end	end	NOUN
fsr-3413	191	4	,	,	PUNCT
fsr-3413	191	5	while	while	SCONJ
fsr-3413	191	6	some	some	PRON
fsr-3413	191	7	of	of	ADP
fsr-3413	191	8	a	a	DET
fsr-3413	191	9	tax	tax	NOUN
fsr-3413	191	10	rebate	rebate	NOUN
fsr-3413	191	11	would	would	AUX
fsr-3413	191	12	be	be	AUX
fsr-3413	191	13	spent	spend	VERB
fsr-3413	191	14	on	on	ADP
fsr-3413	191	15	fun	fun	NOUN
fsr-3413	191	16	,	,	PUNCT
fsr-3413	191	17	the	the	DET
fsr-3413	191	18	regression	regression	NOUN
fsr-3413	191	19	results	result	NOUN
fsr-3413	191	20	indicate	indicate	VERB
fsr-3413	191	21	that	that	SCONJ
fsr-3413	191	22	the	the	DET
fsr-3413	191	23	amount	amount	NOUN
fsr-3413	191	24	spent	spend	VERB
fsr-3413	191	25	on	on	ADP
fsr-3413	191	26	fun	fun	NOUN
fsr-3413	191	27	from	from	ADP
fsr-3413	191	28	a	a	DET
fsr-3413	191	29	bonus	bonus	NOUN
fsr-3413	191	30	is	be	AUX
fsr-3413	191	31	not	not	PART
fsr-3413	191	32	different	different	ADJ
fsr-3413	191	33	from	from	ADP
fsr-3413	191	34	the	the	DET
fsr-3413	191	35	amount	amount	NOUN
fsr-3413	191	36	spent	spend	VERB
fsr-3413	191	37	on	on	ADP
fsr-3413	191	38	fun	fun	NOUN
fsr-3413	191	39	when	when	SCONJ
fsr-3413	191	40	the	the	DET
fsr-3413	191	41	source	source	NOUN
fsr-3413	191	42	is	be	AUX
fsr-3413	191	43	either	either	CCONJ
fsr-3413	191	44	a	a	DET
fsr-3413	191	45	tax	tax	NOUN
fsr-3413	191	46	rebate	rebate	NOUN
fsr-3413	191	47	or	or	CCONJ
fsr-3413	191	48	a	a	DET
fsr-3413	191	49	game	game	NOUN
fsr-3413	191	50	show	show	NOUN
fsr-3413	191	51	winning	win	VERB
fsr-3413	191	52	.	.	PUNCT
fsr-3413	192	1	regressions	regression	NOUN
fsr-3413	192	2	were	be	AUX
fsr-3413	192	3	also	also	ADV
fsr-3413	192	4	run	run	VERB
fsr-3413	192	5	to	to	PART
fsr-3413	192	6	see	see	VERB
fsr-3413	192	7	if	if	SCONJ
fsr-3413	192	8	spending	spend	VERB
fsr-3413	192	9	on	on	ADP
fsr-3413	192	10	adult	adult	NOUN
fsr-3413	192	11	uses	use	NOUN
fsr-3413	192	12	would	would	AUX
fsr-3413	192	13	differ	differ	VERB
fsr-3413	192	14	by	by	ADP
fsr-3413	192	15	the	the	DET
fsr-3413	192	16	source	source	NOUN
fsr-3413	192	17	of	of	ADP
fsr-3413	192	18	the	the	DET
fsr-3413	192	19	income	income	NOUN
fsr-3413	192	20	.	.	PUNCT
fsr-3413	193	1	various	various	ADJ
fsr-3413	193	2	definitions	definition	NOUN
fsr-3413	193	3	of	of	ADP
fsr-3413	193	4	“	"	PUNCT
fsr-3413	193	5	adult	adult	NOUN
fsr-3413	193	6	uses	use	NOUN
fsr-3413	193	7	”	"	PUNCT
fsr-3413	193	8	to	to	PART
fsr-3413	193	9	mean	mean	VERB
fsr-3413	193	10	(	(	PUNCT
fsr-3413	193	11	1	1	X
fsr-3413	193	12	)	)	PUNCT
fsr-3413	193	13	spending	spending	NOUN
fsr-3413	193	14	on	on	ADP
fsr-3413	193	15	regular	regular	ADJ
fsr-3413	193	16	monthly	monthly	ADJ
fsr-3413	193	17	expenses	expense	NOUN
fsr-3413	193	18	,	,	PUNCT
fsr-3413	193	19	or	or	CCONJ
fsr-3413	193	20	(	(	PUNCT
fsr-3413	193	21	2	2	X
fsr-3413	193	22	)	)	PUNCT
fsr-3413	193	23	the	the	DET
fsr-3413	193	24	sum	sum	NOUN
fsr-3413	193	25	of	of	ADP
fsr-3413	193	26	regular	regular	ADJ
fsr-3413	193	27	monthly	monthly	ADJ
fsr-3413	193	28	expenses	expense	NOUN
fsr-3413	193	29	and	and	CCONJ
fsr-3413	193	30	paying	pay	VERB
fsr-3413	193	31	off	off	ADP
fsr-3413	193	32	credit	credit	NOUN
fsr-3413	193	33	cards	card	NOUN
fsr-3413	193	34	,	,	PUNCT
fsr-3413	193	35	or	or	CCONJ
fsr-3413	193	36	(	(	PUNCT
fsr-3413	193	37	3	3	X
fsr-3413	193	38	)	)	PUNCT
fsr-3413	193	39	the	the	DET
fsr-3413	193	40	sum	sum	NOUN
fsr-3413	193	41	of	of	ADP
fsr-3413	193	42	regular	regular	ADJ
fsr-3413	193	43	monthly	monthly	ADJ
fsr-3413	193	44	expenses	expense	NOUN
fsr-3413	193	45	,	,	PUNCT
fsr-3413	193	46	paying	pay	VERB
fsr-3413	193	47	off	off	ADP
fsr-3413	193	48	credit	credit	NOUN
fsr-3413	193	49	cards	card	NOUN
fsr-3413	193	50	,	,	PUNCT
fsr-3413	193	51	and	and	CCONJ
fsr-3413	193	52	to	to	PART
fsr-3413	193	53	buy	buy	VERB
fsr-3413	193	54	a	a	DET
fsr-3413	193	55	durable	durable	ADJ
fsr-3413	193	56	asset	asset	NOUN
fsr-3413	193	57	(	(	PUNCT
fsr-3413	193	58	such	such	ADJ
fsr-3413	193	59	as	as	ADP
fsr-3413	193	60	a	a	DET
fsr-3413	193	61	car	car	NOUN
fsr-3413	193	62	,	,	PUNCT
fsr-3413	193	63	boat	boat	NOUN
fsr-3413	193	64	,	,	PUNCT
fsr-3413	193	65	washing	washing	NOUN
fsr-3413	193	66	machine	machine	NOUN
fsr-3413	193	67	,	,	PUNCT
fsr-3413	193	68	or	or	CCONJ
fsr-3413	193	69	furniture	furniture	NOUN
fsr-3413	193	70	)	)	PUNCT
fsr-3413	193	71	were	be	AUX
fsr-3413	193	72	used	use	VERB
fsr-3413	193	73	.	.	PUNCT
fsr-3413	194	1	regardless	regardless	ADV
fsr-3413	194	2	of	of	ADP
fsr-3413	194	3	the	the	DET
fsr-3413	194	4	form	form	NOUN
fsr-3413	194	5	of	of	ADP
fsr-3413	194	6	the	the	DET
fsr-3413	194	7	measure	measure	NOUN
fsr-3413	194	8	used	use	VERB
fsr-3413	194	9	for	for	ADP
fsr-3413	194	10	“	"	PUNCT
fsr-3413	194	11	adult	adult	NOUN
fsr-3413	194	12	spending	spending	NOUN
fsr-3413	194	13	,	,	PUNCT
fsr-3413	194	14	”	"	PUNCT
fsr-3413	194	15	none	none	NOUN
fsr-3413	194	16	of	of	ADP
fsr-3413	194	17	these	these	DET
fsr-3413	194	18	regression	regression	NOUN
fsr-3413	194	19	models	model	NOUN
fsr-3413	194	20	produced	produce	VERB
fsr-3413	194	21	results	result	NOUN
fsr-3413	194	22	significant	significant	ADJ
fsr-3413	194	23	enough	enough	ADV
fsr-3413	194	24	to	to	PART
fsr-3413	194	25	reject	reject	VERB
fsr-3413	194	26	the	the	DET
fsr-3413	194	27	second	second	ADJ
fsr-3413	194	28	null	null	ADJ
fsr-3413	194	29	hypothesis	hypothesis	NOUN
fsr-3413	194	30	and	and	CCONJ
fsr-3413	194	31	are	be	AUX
fsr-3413	194	32	not	not	PART
fsr-3413	194	33	presented	present	VERB
fsr-3413	194	34	as	as	ADP
fsr-3413	194	35	a	a	DET
fsr-3413	194	36	table	table	NOUN
fsr-3413	194	37	.	.	PUNCT
fsr-3413	195	1	however	however	ADV
fsr-3413	195	2	,	,	PUNCT
fsr-3413	195	3	when	when	SCONJ
fsr-3413	195	4	regressions	regression	NOUN
fsr-3413	195	5	were	be	AUX
fsr-3413	195	6	run	run	VERB
fsr-3413	195	7	to	to	PART
fsr-3413	195	8	see	see	VERB
fsr-3413	195	9	if	if	SCONJ
fsr-3413	195	10	saving	save	VERB
fsr-3413	195	11	(	(	PUNCT
fsr-3413	195	12	investing	invest	VERB
fsr-3413	195	13	in	in	ADP
fsr-3413	195	14	stocks	stock	NOUN
fsr-3413	195	15	,	,	PUNCT
fsr-3413	195	16	bonds	bond	NOUN
fsr-3413	195	17	,	,	PUNCT
fsr-3413	195	18	savings	saving	NOUN
fsr-3413	195	19	accounts	account	NOUN
fsr-3413	195	20	,	,	PUNCT
fsr-3413	195	21	etc	etc	X
fsr-3413	195	22	.	.	X
fsr-3413	195	23	)	)	PUNCT
fsr-3413	195	24	increased	increase	VERB
fsr-3413	195	25	significantly	significantly	ADV
fsr-3413	195	26	when	when	SCONJ
fsr-3413	195	27	the	the	DET
fsr-3413	195	28	source	source	NOUN
fsr-3413	195	29	was	be	AUX
fsr-3413	195	30	a	a	DET
fsr-3413	195	31	tax	tax	NOUN
fsr-3413	195	32	rebate	rebate	NOUN
fsr-3413	195	33	instead	instead	ADV
fsr-3413	195	34	of	of	ADP
fsr-3413	195	35	a	a	DET
fsr-3413	195	36	game	game	NOUN
fsr-3413	195	37	show	show	NOUN
fsr-3413	195	38	,	,	PUNCT
fsr-3413	195	39	the	the	DET
fsr-3413	195	40	results	result	NOUN
fsr-3413	195	41	were	be	AUX
fsr-3413	195	42	significant	significant	ADJ
fsr-3413	195	43	(	(	PUNCT
fsr-3413	195	44	see	see	VERB
fsr-3413	195	45	table	table	NOUN
fsr-3413	195	46	3	3	NUM
fsr-3413	195	47	)	)	PUNCT
fsr-3413	195	48	.	.	PUNCT
fsr-3413	196	1	recipients	recipient	NOUN
fsr-3413	196	2	of	of	ADP
fsr-3413	196	3	tax	tax	NOUN
fsr-3413	196	4	rebates	rebate	NOUN
fsr-3413	196	5	would	would	AUX
fsr-3413	196	6	allocate	allocate	VERB
fsr-3413	196	7	more	more	ADJ
fsr-3413	196	8	to	to	ADP
fsr-3413	196	9	this	this	DET
fsr-3413	196	10	type	type	NOUN
fsr-3413	196	11	of	of	ADP
fsr-3413	196	12	savings	saving	NOUN
fsr-3413	196	13	than	than	SCONJ
fsr-3413	196	14	they	they	PRON
fsr-3413	196	15	would	would	AUX
fsr-3413	196	16	if	if	SCONJ
fsr-3413	196	17	they	they	PRON
fsr-3413	196	18	received	receive	VERB
fsr-3413	196	19	the	the	DET
fsr-3413	196	20	same	same	ADJ
fsr-3413	196	21	windfall	windfall	NOUN
fsr-3413	196	22	amount	amount	NOUN
fsr-3413	196	23	from	from	ADP
fsr-3413	196	24	either	either	CCONJ
fsr-3413	196	25	bonuses	bonus	NOUN
fsr-3413	196	26	or	or	CCONJ
fsr-3413	196	27	game	game	NOUN
fsr-3413	196	28	show	show	NOUN
fsr-3413	196	29	winnings	winning	NOUN
fsr-3413	196	30	,	,	PUNCT
fsr-3413	196	31	confirming	confirm	VERB
fsr-3413	196	32	that	that	SCONJ
fsr-3413	196	33	at	at	ADP
fsr-3413	196	34	least	least	ADJ
fsr-3413	196	35	to	to	ADP
fsr-3413	196	36	some	some	DET
fsr-3413	196	37	extent	extent	NOUN
fsr-3413	196	38	,	,	PUNCT
fsr-3413	196	39	people	people	NOUN
fsr-3413	196	40	tend	tend	VERB
fsr-3413	196	41	to	to	PART
fsr-3413	196	42	use	use	VERB
fsr-3413	196	43	fun	fun	NOUN
fsr-3413	196	44	sources	source	NOUN
fsr-3413	196	45	of	of	ADP
fsr-3413	196	46	income	income	NOUN
fsr-3413	196	47	for	for	ADP
fsr-3413	196	48	hedonistic	hedonistic	ADJ
fsr-3413	196	49	uses	use	NOUN
fsr-3413	196	50	and	and	CCONJ
fsr-3413	196	51	adult	adult	NOUN
fsr-3413	196	52	sources	source	NOUN
fsr-3413	196	53	of	of	ADP
fsr-3413	196	54	income	income	NOUN
fsr-3413	196	55	for	for	ADP
fsr-3413	196	56	adult	adult	NOUN
fsr-3413	196	57	,	,	PUNCT
fsr-3413	196	58	utilitarian	utilitarian	ADJ
fsr-3413	196	59	uses	use	NOUN
fsr-3413	196	60	,	,	PUNCT
fsr-3413	196	61	consistent	consistent	ADJ
fsr-3413	196	62	with	with	ADP
fsr-3413	196	63	o’curry	o’curry	PROPN
fsr-3413	196	64	and	and	CCONJ
fsr-3413	196	65	strahilevitz	strahilevitz	PROPN
fsr-3413	196	66	(	(	PUNCT
fsr-3413	196	67	2001	2001	NUM
fsr-3413	196	68	)	)	PUNCT
fsr-3413	196	69	.	.	PUNCT
fsr-3413	197	1	like	like	INTJ
fsr-3413	197	2	o’curry	o’curry	PROPN
fsr-3413	197	3	and	and	CCONJ
fsr-3413	197	4	strahitable	strahitable	ADJ
fsr-3413	197	5	3	3	NUM
fsr-3413	197	6	regression	regression	NOUN
fsr-3413	197	7	of	of	ADP
fsr-3413	197	8	percent	percent	NOUN
fsr-3413	197	9	invested	invest	VERB
fsr-3413	197	10	in	in	ADP
fsr-3413	197	11	stocks	stock	NOUN
fsr-3413	197	12	,	,	PUNCT
fsr-3413	197	13	bonds	bond	NOUN
fsr-3413	197	14	,	,	PUNCT
fsr-3413	197	15	and	and	CCONJ
fsr-3413	197	16	savings	saving	NOUN
fsr-3413	197	17	comparing	compare	VERB
fsr-3413	197	18	bonus	bonus	NOUN
fsr-3413	197	19	,	,	PUNCT
fsr-3413	197	20	game	game	NOUN
fsr-3413	197	21	show	show	NOUN
fsr-3413	197	22	and	and	CCONJ
fsr-3413	197	23	tax	tax	NOUN
fsr-3413	197	24	rebate	rebate	NOUN
fsr-3413	197	25	analysis	analysis	NOUN
fsr-3413	197	26	of	of	ADP
fsr-3413	197	27	variance	variance	NOUN
fsr-3413	197	28	source	source	NOUN
fsr-3413	197	29	df	df	PROPN
fsr-3413	197	30	sum	sum	NOUN
fsr-3413	197	31	of	of	ADP
fsr-3413	197	32	squares	square	NOUN
fsr-3413	197	33	mean	mean	VERB
fsr-3413	197	34	square	square	ADJ
fsr-3413	197	35	f	f	PROPN
fsr-3413	197	36	value	value	NOUN
fsr-3413	197	37	pr	pr	X
fsr-3413	197	38	�	�	PROPN
fsr-3413	197	39	f	f	PROPN
fsr-3413	197	40	r2	r2	PROPN
fsr-3413	197	41	model	model	NOUN
fsr-3413	197	42	8	8	NUM
fsr-3413	197	43	4.23598	4.23598	NUM
fsr-3413	197	44	0.52950	0.52950	NUM
fsr-3413	197	45	7.51	7.51	NUM
fsr-3413	197	46	�	�	NOUN
fsr-3413	197	47	.0001	.0001	NOUN
fsr-3413	197	48	0.0953	0.0953	NUM
fsr-3413	197	49	error	error	NOUN
fsr-3413	198	1	570	570	NUM
fsr-3413	198	2	40.19711	40.19711	NUM
fsr-3413	198	3	0.07052	0.07052	NUM
fsr-3413	198	4	corrected	correct	VERB
fsr-3413	198	5	total	total	ADJ
fsr-3413	198	6	578	578	NUM
fsr-3413	198	7	44.43309	44.43309	NUM
fsr-3413	198	8	parameter	parameter	NOUN
fsr-3413	198	9	estimates	estimate	VERB
fsr-3413	198	10	variable	variable	ADJ
fsr-3413	198	11	df	df	PROPN
fsr-3413	198	12	parameter	parameter	NOUN
fsr-3413	198	13	estimate	estimate	NOUN
fsr-3413	198	14	standard	standard	ADJ
fsr-3413	198	15	error	error	NOUN
fsr-3413	198	16	t	t	NOUN
fsr-3413	198	17	-	-	PUNCT
fsr-3413	198	18	value	value	NOUN
fsr-3413	198	19	pr	pr	NOUN
fsr-3413	198	20	�	�	PROPN
fsr-3413	198	21	t	t	PROPN
fsr-3413	198	22	intercept	intercept	VERB
fsr-3413	198	23	1	1	NUM
fsr-3413	198	24	0.26953	0.26953	NUM
fsr-3413	198	25	0.04999	0.04999	NUM
fsr-3413	198	26	5.39	5.39	NUM
fsr-3413	198	27	�	�	NOUN
fsr-3413	198	28	.0001	.0001	X
fsr-3413	198	29	lnincome	lnincome	NOUN
fsr-3413	198	30	1	1	NUM
fsr-3413	198	31	�	�	PROPN
fsr-3413	198	32	0.00043260	0.00043260	NUM
fsr-3413	198	33	0.00465	0.00465	NUM
fsr-3413	198	34	�	�	NOUN
fsr-3413	198	35	0.09	0.09	NUM
fsr-3413	198	36	0.9259	0.9259	NUM
fsr-3413	198	37	materiality	materiality	NOUN
fsr-3413	198	38	1	1	NUM
fsr-3413	198	39	�	�	NOUN
fsr-3413	198	40	0.00002566	0.00002566	NUM
fsr-3413	198	41	0.00002898	0.00002898	NUM
fsr-3413	198	42	�	�	PROPN
fsr-3413	198	43	0.89	0.89	NUM
fsr-3413	198	44	0.3764	0.3764	NUM
fsr-3413	198	45	spend1	spend1	NOUN
fsr-3413	198	46	1	1	NUM
fsr-3413	198	47	�	�	PROPN
fsr-3413	198	48	0.15297	0.15297	NUM
fsr-3413	198	49	0.02328	0.02328	NUM
fsr-3413	198	50	�	�	PROPN
fsr-3413	198	51	6.57	6.57	NUM
fsr-3413	198	52	�	�	PROPN
fsr-3413	198	53	.0001	.0001	X
fsr-3413	198	54	level600	level600	PROPN
fsr-3413	198	55	1	1	NUM
fsr-3413	198	56	0.04130	0.04130	NUM
fsr-3413	198	57	0.02983	0.02983	NUM
fsr-3413	198	58	1.38	1.38	NUM
fsr-3413	198	59	0.1667	0.1667	NUM
fsr-3413	198	60	level1500	level1500	NOUN
fsr-3413	198	61	1	1	NUM
fsr-3413	198	62	0.08352	0.08352	NUM
fsr-3413	198	63	0.03259	0.03259	NUM
fsr-3413	198	64	2.56	2.56	NUM
fsr-3413	198	65	0.0106	0.0106	NUM
fsr-3413	198	66	level3000	level3000	PROPN
fsr-3413	198	67	1	1	NUM
fsr-3413	198	68	0.08799	0.08799	NUM
fsr-3413	198	69	0.03290	0.03290	NUM
fsr-3413	198	70	2.67	2.67	NUM
fsr-3413	198	71	0.0077	0.0077	NUM
fsr-3413	198	72	bonus	bonus	NOUN
fsr-3413	198	73	dummy	dummy	NOUN
fsr-3413	198	74	1	1	NUM
fsr-3413	198	75	�	�	PROPN
fsr-3413	198	76	0.06468	0.06468	NUM
fsr-3413	198	77	0.02783	0.02783	NUM
fsr-3413	198	78	�	�	PROPN
fsr-3413	198	79	2.32	2.32	NUM
fsr-3413	198	80	0.0205	0.0205	NUM
fsr-3413	198	81	gameshow	gameshow	NOUN
fsr-3413	198	82	dummy	dummy	NOUN
fsr-3413	198	83	1	1	NUM
fsr-3413	198	84	�	�	PROPN
fsr-3413	198	85	0.05112	0.05112	NUM
fsr-3413	198	86	0.02715	0.02715	NUM
fsr-3413	198	87	�	�	NOUN
fsr-3413	198	88	1.88	1.88	NUM
fsr-3413	198	89	0.0602	0.0602	NUM
fsr-3413	198	90	26	26	NUM
fsr-3413	198	91	e.	e.	PROPN
fsr-3413	198	92	bland	bland	PROPN
fsr-3413	198	93	,	,	PUNCT
fsr-3413	198	94	v.	v.	ADP
fsr-3413	198	95	chambers	chambers	PROPN
fsr-3413	198	96	/	/	SYM
fsr-3413	198	97	financial	financial	ADJ
fsr-3413	198	98	services	service	NOUN
fsr-3413	198	99	review	review	VERB
fsr-3413	198	100	28	28	NUM
fsr-3413	198	101	(	(	PUNCT
fsr-3413	198	102	2020	2020	NUM
fsr-3413	198	103	)	)	PUNCT
fsr-3413	198	104	17	17	NUM
fsr-3413	198	105	-	-	SYM
fsr-3413	198	106	34	34	NUM
fsr-3413	198	107	levitz	levitz	PROPN
fsr-3413	198	108	(	(	PUNCT
fsr-3413	198	109	2001	2001	NUM
fsr-3413	198	110	)	)	PUNCT
fsr-3413	198	111	,	,	PUNCT
fsr-3413	198	112	our	our	PRON
fsr-3413	198	113	amounts	amount	NOUN
fsr-3413	198	114	varied	varied	ADJ
fsr-3413	198	115	in	in	ADP
fsr-3413	198	116	value	value	NOUN
fsr-3413	198	117	;	;	PUNCT
fsr-3413	198	118	however	however	ADV
fsr-3413	198	119	,	,	PUNCT
fsr-3413	198	120	unlike	unlike	ADP
fsr-3413	198	121	o’curry	o’curry	NOUN
fsr-3413	198	122	and	and	CCONJ
fsr-3413	198	123	strahilevitz	strahilevitz	PROPN
fsr-3413	198	124	(	(	PUNCT
fsr-3413	198	125	2001	2001	NUM
fsr-3413	198	126	)	)	PUNCT
fsr-3413	198	127	,	,	PUNCT
fsr-3413	198	128	we	we	PRON
fsr-3413	198	129	did	do	AUX
fsr-3413	198	130	not	not	PART
fsr-3413	198	131	ask	ask	VERB
fsr-3413	198	132	respondents	respondent	NOUN
fsr-3413	198	133	to	to	PART
fsr-3413	198	134	assume	assume	VERB
fsr-3413	198	135	complete	complete	ADJ
fsr-3413	198	136	financial	financial	ADJ
fsr-3413	198	137	independence	independence	NOUN
fsr-3413	198	138	and	and	CCONJ
fsr-3413	198	139	allowed	allow	VERB
fsr-3413	198	140	respondents	respondent	NOUN
fsr-3413	198	141	to	to	PART
fsr-3413	198	142	allocate	allocate	VERB
fsr-3413	198	143	money	money	NOUN
fsr-3413	198	144	rather	rather	ADV
fsr-3413	198	145	than	than	ADP
fsr-3413	198	146	choose	choose	VERB
fsr-3413	198	147	among	among	ADP
fsr-3413	198	148	a	a	DET
fsr-3413	198	149	selection	selection	NOUN
fsr-3413	198	150	of	of	ADP
fsr-3413	198	151	prizes	prize	NOUN
fsr-3413	198	152	that	that	PRON
fsr-3413	198	153	we	we	PRON
fsr-3413	198	154	believe	believe	VERB
fsr-3413	198	155	results	result	NOUN
fsr-3413	198	156	in	in	ADP
fsr-3413	198	157	a	a	DET
fsr-3413	198	158	more	more	ADV
fsr-3413	198	159	comprehensive	comprehensive	ADJ
fsr-3413	198	160	and	and	CCONJ
fsr-3413	198	161	divisible	divisible	ADJ
fsr-3413	198	162	allocation	allocation	NOUN
fsr-3413	198	163	.	.	PUNCT
fsr-3413	199	1	income	income	NOUN
fsr-3413	199	2	in	in	ADP
fsr-3413	199	3	both	both	DET
fsr-3413	199	4	absolute	absolute	ADJ
fsr-3413	199	5	terms	term	NOUN
fsr-3413	199	6	and	and	CCONJ
fsr-3413	199	7	relatively	relatively	ADV
fsr-3413	199	8	(	(	PUNCT
fsr-3413	199	9	as	as	SCONJ
fsr-3413	199	10	measured	measure	VERB
fsr-3413	199	11	by	by	ADP
fsr-3413	199	12	materiality	materiality	NOUN
fsr-3413	199	13	)	)	PUNCT
fsr-3413	199	14	were	be	AUX
fsr-3413	199	15	extremely	extremely	ADV
fsr-3413	199	16	small	small	ADJ
fsr-3413	199	17	and	and	CCONJ
fsr-3413	199	18	insignificant	insignificant	ADJ
fsr-3413	199	19	,	,	PUNCT
fsr-3413	199	20	indicating	indicate	VERB
fsr-3413	199	21	that	that	SCONJ
fsr-3413	199	22	the	the	DET
fsr-3413	199	23	tendency	tendency	NOUN
fsr-3413	199	24	to	to	PART
fsr-3413	199	25	save	save	VERB
fsr-3413	199	26	and	and	CCONJ
fsr-3413	199	27	invest	invest	VERB
fsr-3413	199	28	transcends	transcend	NOUN
fsr-3413	199	29	income	income	NOUN
fsr-3413	199	30	levels	level	NOUN
fsr-3413	199	31	,	,	PUNCT
fsr-3413	199	32	but	but	CCONJ
fsr-3413	199	33	is	be	AUX
fsr-3413	199	34	strongly	strongly	ADV
fsr-3413	199	35	dependent	dependent	ADJ
fsr-3413	199	36	on	on	ADP
fsr-3413	199	37	the	the	DET
fsr-3413	199	38	respondent	respondent	NOUN
fsr-3413	199	39	’s	’s	PART
fsr-3413	199	40	savings	saving	NOUN
fsr-3413	199	41	habits	habit	NOUN
fsr-3413	199	42	,	,	PUNCT
fsr-3413	199	43	as	as	SCONJ
fsr-3413	199	44	indicated	indicate	VERB
fsr-3413	199	45	by	by	ADP
fsr-3413	199	46	the	the	DET
fsr-3413	199	47	spend1	spend1	NOUN
fsr-3413	199	48	variable	variable	NOUN
fsr-3413	199	49	.	.	PUNCT
fsr-3413	200	1	we	we	PRON
fsr-3413	200	2	then	then	ADV
fsr-3413	200	3	examined	examine	VERB
fsr-3413	200	4	the	the	DET
fsr-3413	200	5	pattern	pattern	NOUN
fsr-3413	200	6	of	of	ADP
fsr-3413	200	7	responses	response	NOUN
fsr-3413	200	8	further	far	ADV
fsr-3413	200	9	:	:	PUNCT
fsr-3413	200	10	were	be	AUX
fsr-3413	200	11	the	the	DET
fsr-3413	200	12	coefficients	coefficient	NOUN
fsr-3413	200	13	for	for	ADP
fsr-3413	200	14	various	various	ADJ
fsr-3413	200	15	levels	level	NOUN
fsr-3413	200	16	of	of	ADP
fsr-3413	200	17	hedonistic	hedonistic	ADJ
fsr-3413	200	18	spending	spending	NOUN
fsr-3413	200	19	linear	linear	NOUN
fsr-3413	200	20	by	by	ADP
fsr-3413	200	21	source	source	NOUN
fsr-3413	200	22	,	,	PUNCT
fsr-3413	200	23	or	or	CCONJ
fsr-3413	200	24	did	do	AUX
fsr-3413	200	25	they	they	PRON
fsr-3413	200	26	display	display	VERB
fsr-3413	200	27	a	a	DET
fsr-3413	200	28	different	different	ADJ
fsr-3413	200	29	pattern	pattern	NOUN
fsr-3413	200	30	?	?	PUNCT
fsr-3413	201	1	when	when	SCONJ
fsr-3413	201	2	looking	look	VERB
fsr-3413	201	3	at	at	ADP
fsr-3413	201	4	the	the	DET
fsr-3413	201	5	coefficients	coefficient	NOUN
fsr-3413	201	6	for	for	ADP
fsr-3413	201	7	each	each	DET
fsr-3413	201	8	level	level	NOUN
fsr-3413	201	9	in	in	ADP
fsr-3413	201	10	the	the	DET
fsr-3413	201	11	game	game	NOUN
fsr-3413	201	12	show	show	NOUN
fsr-3413	201	13	/	/	SYM
fsr-3413	201	14	tax	tax	NOUN
fsr-3413	201	15	rebate	rebate	NOUN
fsr-3413	201	16	model	model	NOUN
fsr-3413	201	17	and	and	CCONJ
fsr-3413	201	18	the	the	DET
fsr-3413	201	19	significance	significance	NOUN
fsr-3413	201	20	of	of	ADP
fsr-3413	201	21	the	the	DET
fsr-3413	201	22	materiality	materiality	NOUN
fsr-3413	201	23	variable	variable	NOUN
fsr-3413	201	24	in	in	ADP
fsr-3413	201	25	model	model	NOUN
fsr-3413	201	26	1	1	NUM
fsr-3413	201	27	,	,	PUNCT
fsr-3413	201	28	the	the	DET
fsr-3413	201	29	incremental	incremental	ADJ
fsr-3413	201	30	amount	amount	NOUN
fsr-3413	201	31	spent	spend	VERB
fsr-3413	201	32	appeared	appear	VERB
fsr-3413	201	33	to	to	PART
fsr-3413	201	34	be	be	AUX
fsr-3413	201	35	both	both	ADV
fsr-3413	201	36	significant	significant	ADJ
fsr-3413	201	37	and	and	CCONJ
fsr-3413	201	38	nonlinear	nonlinear	ADJ
fsr-3413	201	39	.	.	PUNCT
fsr-3413	201	40	to	to	PART
fsr-3413	201	41	confirm	confirm	VERB
fsr-3413	201	42	,	,	PUNCT
fsr-3413	201	43	the	the	DET
fsr-3413	201	44	average	average	ADJ
fsr-3413	201	45	percentage	percentage	NOUN
fsr-3413	201	46	spent	spend	VERB
fsr-3413	201	47	on	on	ADP
fsr-3413	201	48	fun	fun	NOUN
fsr-3413	201	49	was	be	AUX
fsr-3413	201	50	calculated	calculate	VERB
fsr-3413	201	51	for	for	ADP
fsr-3413	201	52	the	the	DET
fsr-3413	201	53	monthly	monthly	ADJ
fsr-3413	201	54	amounts	amount	NOUN
fsr-3413	201	55	of	of	ADP
fsr-3413	201	56	$	$	SYM
fsr-3413	201	57	25	25	NUM
fsr-3413	201	58	,	,	PUNCT
fsr-3413	201	59	$	$	SYM
fsr-3413	201	60	50	50	NUM
fsr-3413	201	61	,	,	PUNCT
fsr-3413	201	62	$	$	SYM
fsr-3413	201	63	125	125	NUM
fsr-3413	201	64	,	,	PUNCT
fsr-3413	201	65	and	and	CCONJ
fsr-3413	201	66	$	$	SYM
fsr-3413	201	67	250	250	NUM
fsr-3413	201	68	and	and	CCONJ
fsr-3413	201	69	the	the	DET
fsr-3413	201	70	yearly	yearly	ADJ
fsr-3413	201	71	amounts	amount	NOUN
fsr-3413	201	72	of	of	ADP
fsr-3413	201	73	spending	spending	NOUN
fsr-3413	201	74	on	on	ADP
fsr-3413	201	75	fun	fun	NOUN
fsr-3413	201	76	.	.	PUNCT
fsr-3413	202	1	next	next	ADV
fsr-3413	202	2	,	,	PUNCT
fsr-3413	202	3	the	the	DET
fsr-3413	202	4	average	average	ADJ
fsr-3413	202	5	percentage	percentage	NOUN
fsr-3413	202	6	spent	spend	VERB
fsr-3413	202	7	on	on	ADP
fsr-3413	202	8	fun	fun	NOUN
fsr-3413	202	9	for	for	ADP
fsr-3413	202	10	game	game	NOUN
fsr-3413	202	11	show	show	NOUN
fsr-3413	202	12	,	,	PUNCT
fsr-3413	202	13	bonus	bonus	NOUN
fsr-3413	202	14	and	and	CCONJ
fsr-3413	202	15	tax	tax	NOUN
fsr-3413	202	16	rebate	rebate	NOUN
fsr-3413	202	17	windfalls	windfall	NOUN
fsr-3413	202	18	was	be	AUX
fsr-3413	202	19	graphed	graph	VERB
fsr-3413	202	20	.	.	PUNCT
fsr-3413	203	1	the	the	DET
fsr-3413	203	2	results	result	NOUN
fsr-3413	203	3	,	,	PUNCT
fsr-3413	203	4	shown	show	VERB
fsr-3413	203	5	in	in	ADP
fsr-3413	203	6	fig	fig	NOUN
fsr-3413	203	7	.	.	PUNCT
fsr-3413	204	1	1	1	NUM
fsr-3413	204	2	,	,	PUNCT
fsr-3413	204	3	indicate	indicate	VERB
fsr-3413	204	4	that	that	SCONJ
fsr-3413	204	5	for	for	ADP
fsr-3413	204	6	small	small	ADJ
fsr-3413	204	7	rebates	rebate	NOUN
fsr-3413	204	8	,	,	PUNCT
fsr-3413	204	9	the	the	DET
fsr-3413	204	10	percentage	percentage	NOUN
fsr-3413	204	11	spent	spend	VERB
fsr-3413	204	12	on	on	ADP
fsr-3413	204	13	rebates	rebate	NOUN
fsr-3413	204	14	varied	varied	ADJ
fsr-3413	204	15	,	,	PUNCT
fsr-3413	204	16	and	and	CCONJ
fsr-3413	204	17	varied	varied	ADJ
fsr-3413	204	18	by	by	ADP
fsr-3413	204	19	source	source	NOUN
fsr-3413	204	20	.	.	PUNCT
fsr-3413	205	1	for	for	ADP
fsr-3413	205	2	larger	large	ADJ
fsr-3413	205	3	rebates	rebate	NOUN
fsr-3413	205	4	of	of	ADP
fsr-3413	205	5	$	$	SYM
fsr-3413	205	6	1,500	1,500	NUM
fsr-3413	205	7	and	and	CCONJ
fsr-3413	205	8	$	$	SYM
fsr-3413	205	9	3,000	3,000	NUM
fsr-3413	205	10	,	,	PUNCT
fsr-3413	205	11	spending	spend	VERB
fsr-3413	205	12	on	on	ADP
fsr-3413	205	13	fun	fun	NOUN
fsr-3413	205	14	leveled	level	VERB
fsr-3413	205	15	out	out	ADP
fsr-3413	205	16	and	and	CCONJ
fsr-3413	205	17	began	begin	VERB
fsr-3413	205	18	to	to	PART
fsr-3413	205	19	converge	converge	VERB
fsr-3413	205	20	at	at	ADP
fsr-3413	205	21	around	around	ADP
fsr-3413	205	22	30	30	NUM
fsr-3413	205	23	%	%	NOUN
fsr-3413	205	24	,	,	PUNCT
fsr-3413	205	25	regardless	regardless	ADV
fsr-3413	205	26	of	of	ADP
fsr-3413	205	27	source	source	NOUN
fsr-3413	205	28	and	and	CCONJ
fsr-3413	205	29	then	then	ADV
fsr-3413	205	30	began	begin	VERB
fsr-3413	205	31	to	to	PART
fsr-3413	205	32	slowly	slowly	ADV
fsr-3413	205	33	fall	fall	VERB
fsr-3413	205	34	.	.	PUNCT
fsr-3413	206	1	6	6	NUM
fsr-3413	206	2	.	.	X
fsr-3413	206	3	discussion	discussion	NOUN
fsr-3413	206	4	overall	overall	ADV
fsr-3413	206	5	,	,	PUNCT
fsr-3413	206	6	this	this	DET
fsr-3413	206	7	model	model	NOUN
fsr-3413	206	8	lends	lend	VERB
fsr-3413	206	9	significant	significant	ADJ
fsr-3413	206	10	support	support	NOUN
fsr-3413	206	11	to	to	ADP
fsr-3413	206	12	o’curry	o’curry	PROPN
fsr-3413	206	13	and	and	CCONJ
fsr-3413	206	14	strahilevitz	strahilevitz	PROPN
fsr-3413	206	15	(	(	PUNCT
fsr-3413	206	16	2001	2001	NUM
fsr-3413	206	17	)	)	PUNCT
fsr-3413	206	18	findings	finding	NOUN
fsr-3413	206	19	of	of	ADP
fsr-3413	206	20	people	people	NOUN
fsr-3413	206	21	placing	place	VERB
fsr-3413	206	22	affective	affective	ADJ
fsr-3413	206	23	tags	tag	NOUN
fsr-3413	206	24	on	on	ADP
fsr-3413	206	25	money	money	NOUN
fsr-3413	206	26	and	and	CCONJ
fsr-3413	206	27	expands	expand	VERB
fsr-3413	206	28	the	the	DET
fsr-3413	206	29	body	body	NOUN
fsr-3413	206	30	of	of	ADP
fsr-3413	206	31	knowledge	knowledge	NOUN
fsr-3413	206	32	that	that	SCONJ
fsr-3413	206	33	one	one	NUM
fsr-3413	206	34	affective	affective	ADJ
fsr-3413	206	35	tag	tag	NOUN
fsr-3413	206	36	is	be	AUX
fsr-3413	206	37	fun	fun	ADJ
fsr-3413	206	38	.	.	PUNCT
fsr-3413	207	1	generally	generally	ADV
fsr-3413	207	2	,	,	PUNCT
fsr-3413	207	3	these	these	DET
fsr-3413	207	4	findings	finding	NOUN
fsr-3413	207	5	also	also	ADV
fsr-3413	207	6	support	support	VERB
fsr-3413	207	7	thaler	thaler	NOUN
fsr-3413	207	8	’s	’s	PART
fsr-3413	207	9	(	(	PUNCT
fsr-3413	207	10	1999	1999	NUM
fsr-3413	207	11	)	)	PUNCT
fsr-3413	207	12	mental	mental	ADJ
fsr-3413	207	13	accounting	accounting	NOUN
fsr-3413	207	14	theory	theory	NOUN
fsr-3413	207	15	.	.	PUNCT
fsr-3413	208	1	however	however	ADV
fsr-3413	208	2	,	,	PUNCT
fsr-3413	208	3	the	the	DET
fsr-3413	208	4	size	size	NOUN
fsr-3413	208	5	of	of	ADP
fsr-3413	208	6	the	the	DET
fsr-3413	208	7	effects	effect	NOUN
fsr-3413	208	8	also	also	ADV
fsr-3413	208	9	supports	support	VERB
fsr-3413	208	10	the	the	DET
fsr-3413	208	11	neo	neo	ADJ
fsr-3413	208	12	-	-	ADJ
fsr-3413	208	13	classical	classical	ADJ
fsr-3413	208	14	fig	fig	NOUN
fsr-3413	208	15	.	.	PUNCT
fsr-3413	209	1	1	1	NUM
fsr-3413	209	2	.	.	NUM
fsr-3413	209	3	percent	percent	NOUN
fsr-3413	209	4	of	of	ADP
fsr-3413	209	5	windfall	windfall	NOUN
fsr-3413	209	6	spent	spend	VERB
fsr-3413	209	7	on	on	ADP
fsr-3413	209	8	fun	fun	NOUN
fsr-3413	209	9	.	.	PUNCT
fsr-3413	210	1	27e	27e	NOUN
fsr-3413	210	2	.	.	PUNCT
fsr-3413	211	1	bland	bland	ADJ
fsr-3413	211	2	,	,	PUNCT
fsr-3413	211	3	v.	v.	ADP
fsr-3413	211	4	chambers	chambers	PROPN
fsr-3413	211	5	/	/	SYM
fsr-3413	211	6	financial	financial	ADJ
fsr-3413	211	7	services	service	NOUN
fsr-3413	211	8	review	review	VERB
fsr-3413	211	9	28	28	NUM
fsr-3413	211	10	(	(	PUNCT
fsr-3413	211	11	2020	2020	NUM
fsr-3413	211	12	)	)	PUNCT
fsr-3413	211	13	17	17	NUM
fsr-3413	211	14	-	-	SYM
fsr-3413	211	15	34	34	NUM
fsr-3413	211	16	economic	economic	ADJ
fsr-3413	211	17	notion	notion	NOUN
fsr-3413	211	18	that	that	SCONJ
fsr-3413	211	19	money	money	NOUN
fsr-3413	211	20	is	be	AUX
fsr-3413	211	21	more	more	ADV
fsr-3413	211	22	fungible	fungible	ADJ
fsr-3413	211	23	than	than	ADP
fsr-3413	211	24	not	not	PART
fsr-3413	211	25	,	,	PUNCT
fsr-3413	211	26	and/or	and/or	CCONJ
fsr-3413	211	27	people	people	NOUN
fsr-3413	211	28	are	be	AUX
fsr-3413	211	29	more	more	ADV
fsr-3413	211	30	rational	rational	ADJ
fsr-3413	211	31	than	than	ADP
fsr-3413	211	32	not	not	PART
fsr-3413	211	33	with	with	ADP
fsr-3413	211	34	their	their	PRON
fsr-3413	211	35	money	money	NOUN
fsr-3413	211	36	when	when	SCONJ
fsr-3413	211	37	it	it	PRON
fsr-3413	211	38	comes	come	VERB
fsr-3413	211	39	to	to	ADP
fsr-3413	211	40	fun	fun	NOUN
fsr-3413	211	41	sources	source	NOUN
fsr-3413	211	42	and	and	CCONJ
fsr-3413	211	43	fun	fun	NOUN
fsr-3413	211	44	uses	use	NOUN
fsr-3413	211	45	.	.	PUNCT
fsr-3413	212	1	the	the	DET
fsr-3413	212	2	effect	effect	NOUN
fsr-3413	212	3	of	of	ADP
fsr-3413	212	4	affective	affective	ADJ
fsr-3413	212	5	tags	tag	NOUN
fsr-3413	212	6	may	may	AUX
fsr-3413	212	7	be	be	AUX
fsr-3413	212	8	bounded	bound	VERB
fsr-3413	212	9	.	.	PUNCT
fsr-3413	213	1	regression	regression	NOUN
fsr-3413	213	2	results	result	NOUN
fsr-3413	213	3	presented	present	VERB
fsr-3413	213	4	in	in	ADP
fsr-3413	213	5	table	table	NOUN
fsr-3413	213	6	2	2	NUM
fsr-3413	213	7	suggest	suggest	VERB
fsr-3413	213	8	that	that	SCONJ
fsr-3413	213	9	survey	survey	NOUN
fsr-3413	213	10	respondents	respondent	NOUN
fsr-3413	213	11	did	do	AUX
fsr-3413	213	12	not	not	PART
fsr-3413	213	13	spend	spend	VERB
fsr-3413	213	14	the	the	DET
fsr-3413	213	15	windfall	windfall	NOUN
fsr-3413	213	16	differently	differently	ADV
fsr-3413	213	17	if	if	SCONJ
fsr-3413	213	18	the	the	DET
fsr-3413	213	19	source	source	NOUN
fsr-3413	213	20	was	be	AUX
fsr-3413	213	21	a	a	DET
fsr-3413	213	22	tax	tax	NOUN
fsr-3413	213	23	rebate	rebate	NOUN
fsr-3413	213	24	or	or	CCONJ
fsr-3413	213	25	a	a	DET
fsr-3413	213	26	work	work	NOUN
fsr-3413	213	27	bonus	bonus	NOUN
fsr-3413	213	28	.	.	PUNCT
fsr-3413	214	1	additionally	additionally	ADV
fsr-3413	214	2	,	,	PUNCT
fsr-3413	214	3	the	the	DET
fsr-3413	214	4	regressions	regression	NOUN
fsr-3413	214	5	comparing	compare	VERB
fsr-3413	214	6	only	only	ADV
fsr-3413	214	7	windfalls	windfall	NOUN
fsr-3413	214	8	from	from	ADP
fsr-3413	214	9	a	a	DET
fsr-3413	214	10	bonus	bonus	NOUN
fsr-3413	214	11	and	and	CCONJ
fsr-3413	214	12	a	a	DET
fsr-3413	214	13	game	game	NOUN
fsr-3413	214	14	show	show	NOUN
fsr-3413	214	15	did	do	AUX
fsr-3413	214	16	not	not	PART
fsr-3413	214	17	show	show	VERB
fsr-3413	214	18	a	a	DET
fsr-3413	214	19	significant	significant	ADJ
fsr-3413	214	20	difference	difference	NOUN
fsr-3413	214	21	between	between	ADP
fsr-3413	214	22	the	the	DET
fsr-3413	214	23	source	source	NOUN
fsr-3413	214	24	.	.	PUNCT
fsr-3413	215	1	these	these	DET
fsr-3413	215	2	results	result	NOUN
fsr-3413	215	3	seem	seem	VERB
fsr-3413	215	4	to	to	PART
fsr-3413	215	5	indicate	indicate	VERB
fsr-3413	215	6	that	that	SCONJ
fsr-3413	215	7	there	there	PRON
fsr-3413	215	8	may	may	AUX
fsr-3413	215	9	be	be	AUX
fsr-3413	215	10	a	a	DET
fsr-3413	215	11	hierarchy	hierarchy	NOUN
fsr-3413	215	12	of	of	ADP
fsr-3413	215	13	fun	fun	NOUN
fsr-3413	215	14	sources	source	NOUN
fsr-3413	215	15	.	.	PUNCT
fsr-3413	216	1	game	game	NOUN
fsr-3413	216	2	shows	show	VERB
fsr-3413	216	3	winnings	winning	NOUN
fsr-3413	216	4	are	be	AUX
fsr-3413	216	5	likely	likely	ADV
fsr-3413	216	6	more	more	ADV
fsr-3413	216	7	fun	fun	ADJ
fsr-3413	216	8	than	than	ADP
fsr-3413	216	9	work	work	NOUN
fsr-3413	216	10	,	,	PUNCT
fsr-3413	216	11	and	and	CCONJ
fsr-3413	216	12	work	work	NOUN
fsr-3413	216	13	is	be	AUX
fsr-3413	216	14	not	not	PART
fsr-3413	216	15	much	much	ADV
fsr-3413	216	16	different	different	ADJ
fsr-3413	216	17	from	from	ADP
fsr-3413	216	18	taxes	taxis	NOUN
fsr-3413	216	19	,	,	PUNCT
fsr-3413	216	20	but	but	CCONJ
fsr-3413	216	21	game	game	NOUN
fsr-3413	216	22	shows	show	NOUN
fsr-3413	216	23	are	be	AUX
fsr-3413	216	24	clearly	clearly	ADV
fsr-3413	216	25	more	more	ADJ
fsr-3413	216	26	fun	fun	ADJ
fsr-3413	216	27	than	than	ADP
fsr-3413	216	28	taxes	taxis	NOUN
fsr-3413	216	29	.	.	PUNCT
fsr-3413	217	1	regression	regression	NOUN
fsr-3413	217	2	results	result	NOUN
fsr-3413	217	3	presented	present	VERB
fsr-3413	217	4	in	in	ADP
fsr-3413	217	5	table	table	NOUN
fsr-3413	217	6	3	3	NUM
fsr-3413	217	7	suggest	suggest	VERB
fsr-3413	217	8	that	that	SCONJ
fsr-3413	217	9	more	more	ADJ
fsr-3413	217	10	of	of	ADP
fsr-3413	217	11	tax	tax	NOUN
fsr-3413	217	12	rebates	rebate	NOUN
fsr-3413	217	13	,	,	PUNCT
fsr-3413	217	14	which	which	PRON
fsr-3413	217	15	are	be	AUX
fsr-3413	217	16	likely	likely	ADV
fsr-3413	217	17	more	more	ADV
fsr-3413	217	18	predictable	predictable	ADJ
fsr-3413	217	19	than	than	ADP
fsr-3413	217	20	bonuses	bonus	NOUN
fsr-3413	217	21	and	and	CCONJ
fsr-3413	217	22	especially	especially	ADV
fsr-3413	217	23	game	game	NOUN
fsr-3413	217	24	show	show	NOUN
fsr-3413	217	25	winnings	winning	NOUN
fsr-3413	217	26	,	,	PUNCT
fsr-3413	217	27	are	be	AUX
fsr-3413	217	28	invested	invest	VERB
fsr-3413	217	29	,	,	PUNCT
fsr-3413	217	30	indicating	indicate	VERB
fsr-3413	217	31	that	that	SCONJ
fsr-3413	217	32	clients	client	NOUN
fsr-3413	217	33	might	might	AUX
fsr-3413	217	34	be	be	AUX
fsr-3413	217	35	open	open	ADJ
fsr-3413	217	36	to	to	ADP
fsr-3413	217	37	making	make	VERB
fsr-3413	217	38	investments	investment	NOUN
fsr-3413	217	39	during	during	ADP
fsr-3413	217	40	a	a	DET
fsr-3413	217	41	predictable	predictable	ADJ
fsr-3413	217	42	tax	tax	NOUN
fsr-3413	217	43	season	season	NOUN
fsr-3413	217	44	,	,	PUNCT
fsr-3413	217	45	providing	provide	VERB
fsr-3413	217	46	a	a	DET
fsr-3413	217	47	greater	great	ADJ
fsr-3413	217	48	demand	demand	NOUN
fsr-3413	217	49	for	for	ADP
fsr-3413	217	50	astute	astute	ADJ
fsr-3413	217	51	financial	financial	ADJ
fsr-3413	217	52	advisers	adviser	NOUN
fsr-3413	217	53	like	like	ADP
fsr-3413	217	54	certified	certify	VERB
fsr-3413	217	55	financial	financial	ADJ
fsr-3413	217	56	planners	planner	NOUN
fsr-3413	217	57	and	and	CCONJ
fsr-3413	217	58	certified	certify	VERB
fsr-3413	217	59	public	public	ADJ
fsr-3413	217	60	accountants	accountant	NOUN
fsr-3413	217	61	.	.	PUNCT
fsr-3413	218	1	combined	combine	VERB
fsr-3413	218	2	with	with	ADP
fsr-3413	218	3	other	other	ADJ
fsr-3413	218	4	academic	academic	ADJ
fsr-3413	218	5	literature	literature	NOUN
fsr-3413	218	6	on	on	ADP
fsr-3413	218	7	the	the	DET
fsr-3413	218	8	anticipation	anticipation	NOUN
fsr-3413	218	9	of	of	ADP
fsr-3413	218	10	a	a	DET
fsr-3413	218	11	receipt	receipt	NOUN
fsr-3413	218	12	discussed	discuss	VERB
fsr-3413	218	13	in	in	ADP
fsr-3413	218	14	the	the	DET
fsr-3413	218	15	literature	literature	NOUN
fsr-3413	218	16	review	review	NOUN
fsr-3413	218	17	section	section	NOUN
fsr-3413	218	18	of	of	ADP
fsr-3413	218	19	this	this	DET
fsr-3413	218	20	article	article	NOUN
fsr-3413	218	21	,	,	PUNCT
fsr-3413	218	22	early	early	ADV
fsr-3413	218	23	,	,	PUNCT
fsr-3413	218	24	increased	increase	VERB
fsr-3413	218	25	communication	communication	NOUN
fsr-3413	218	26	,	,	PUNCT
fsr-3413	218	27	especially	especially	ADV
fsr-3413	218	28	in	in	ADP
fsr-3413	218	29	the	the	DET
fsr-3413	218	30	february	february	NOUN
fsr-3413	218	31	to	to	ADP
fsr-3413	218	32	april	april	PROPN
fsr-3413	218	33	“	"	PUNCT
fsr-3413	218	34	tax	tax	NOUN
fsr-3413	218	35	season	season	NOUN
fsr-3413	218	36	”	"	PUNCT
fsr-3413	218	37	might	might	AUX
fsr-3413	218	38	be	be	AUX
fsr-3413	218	39	beneficial	beneficial	ADJ
fsr-3413	218	40	to	to	ADP
fsr-3413	218	41	addressing	address	VERB
fsr-3413	218	42	and	and	CCONJ
fsr-3413	218	43	servicing	servicing	NOUN
fsr-3413	218	44	clients	client	NOUN
fsr-3413	218	45	’	'	PUNCT
fsr-3413	218	46	financial	financial	ADJ
fsr-3413	218	47	needs	need	NOUN
fsr-3413	218	48	.	.	PUNCT
fsr-3413	219	1	advisors	advisor	NOUN
fsr-3413	219	2	that	that	PRON
fsr-3413	219	3	are	be	AUX
fsr-3413	219	4	already	already	ADV
fsr-3413	219	5	tax	tax	NOUN
fsr-3413	219	6	professionals	professional	NOUN
fsr-3413	219	7	may	may	AUX
fsr-3413	219	8	be	be	AUX
fsr-3413	219	9	at	at	ADP
fsr-3413	219	10	an	an	DET
fsr-3413	219	11	advantage	advantage	NOUN
fsr-3413	219	12	in	in	ADP
fsr-3413	219	13	serving	serve	VERB
fsr-3413	219	14	clients	client	NOUN
fsr-3413	219	15	because	because	SCONJ
fsr-3413	219	16	they	they	PRON
fsr-3413	219	17	know	know	VERB
fsr-3413	219	18	the	the	DET
fsr-3413	219	19	timing	timing	NOUN
fsr-3413	219	20	of	of	ADP
fsr-3413	219	21	the	the	DET
fsr-3413	219	22	receipt	receipt	NOUN
fsr-3413	219	23	,	,	PUNCT
fsr-3413	219	24	and	and	CCONJ
fsr-3413	219	25	the	the	DET
fsr-3413	219	26	amount	amount	NOUN
fsr-3413	219	27	as	as	ADV
fsr-3413	219	28	well	well	ADV
fsr-3413	219	29	.	.	PUNCT
fsr-3413	220	1	they	they	PRON
fsr-3413	220	2	also	also	ADV
fsr-3413	220	3	would	would	AUX
fsr-3413	220	4	have	have	VERB
fsr-3413	220	5	the	the	DET
fsr-3413	220	6	means	mean	NOUN
fsr-3413	220	7	,	,	PUNCT
fsr-3413	220	8	with	with	ADP
fsr-3413	220	9	client	client	NOUN
fsr-3413	220	10	permission	permission	NOUN
fsr-3413	220	11	,	,	PUNCT
fsr-3413	220	12	to	to	PART
fsr-3413	220	13	split	split	VERB
fsr-3413	220	14	a	a	DET
fsr-3413	220	15	direct	direct	ADJ
fsr-3413	220	16	deposit	deposit	NOUN
fsr-3413	220	17	of	of	ADP
fsr-3413	220	18	a	a	DET
fsr-3413	220	19	tax	tax	NOUN
fsr-3413	220	20	refund	refund	NOUN
fsr-3413	220	21	among	among	ADP
fsr-3413	220	22	up	up	ADP
fsr-3413	220	23	to	to	PART
fsr-3413	220	24	three	three	NUM
fsr-3413	220	25	different	different	ADJ
fsr-3413	220	26	accounts	account	NOUN
fsr-3413	220	27	with	with	ADP
fsr-3413	220	28	up	up	ADP
fsr-3413	220	29	to	to	PART
fsr-3413	220	30	three	three	NUM
fsr-3413	220	31	different	different	ADJ
fsr-3413	220	32	u.s	u.s	PROPN
fsr-3413	220	33	.	.	PROPN
fsr-3413	220	34	financial	financial	ADJ
fsr-3413	220	35	institutions	institution	NOUN
fsr-3413	220	36	.	.	PUNCT
fsr-3413	221	1	splitting	split	VERB
fsr-3413	221	2	the	the	DET
fsr-3413	221	3	refund	refund	NOUN
fsr-3413	221	4	can	can	AUX
fsr-3413	221	5	be	be	AUX
fsr-3413	221	6	accomplished	accomplish	VERB
fsr-3413	221	7	electronically	electronically	ADV
fsr-3413	221	8	or	or	CCONJ
fsr-3413	221	9	through	through	ADP
fsr-3413	221	10	the	the	DET
fsr-3413	221	11	irs	irs	PROPN
fsr-3413	221	12	’	'	PUNCT
fsr-3413	221	13	form	form	NOUN
fsr-3413	221	14	888	888	NUM
fsr-3413	221	15	,	,	PUNCT
fsr-3413	221	16	allocation	allocation	NOUN
fsr-3413	221	17	of	of	ADP
fsr-3413	221	18	refund	refund	NOUN
fsr-3413	221	19	(	(	PUNCT
fsr-3413	221	20	including	include	VERB
fsr-3413	221	21	savings	saving	NOUN
fsr-3413	221	22	bond	bond	NOUN
fsr-3413	221	23	purchases	purchase	NOUN
fsr-3413	221	24	)	)	PUNCT
fsr-3413	221	25	.	.	PUNCT
fsr-3413	222	1	we	we	PRON
fsr-3413	222	2	found	find	VERB
fsr-3413	222	3	the	the	DET
fsr-3413	222	4	results	result	NOUN
fsr-3413	222	5	of	of	ADP
fsr-3413	222	6	the	the	DET
fsr-3413	222	7	research	research	NOUN
fsr-3413	222	8	question	question	NOUN
fsr-3413	222	9	enlightening	enlightening	ADJ
fsr-3413	222	10	.	.	PUNCT
fsr-3413	223	1	we	we	PRON
fsr-3413	223	2	know	know	VERB
fsr-3413	223	3	that	that	SCONJ
fsr-3413	223	4	respondents	respondent	NOUN
fsr-3413	223	5	have	have	VERB
fsr-3413	223	6	separate	separate	ADJ
fsr-3413	223	7	mental	mental	ADJ
fsr-3413	223	8	accounts	account	NOUN
fsr-3413	223	9	,	,	PUNCT
fsr-3413	223	10	or	or	CCONJ
fsr-3413	223	11	“	"	PUNCT
fsr-3413	223	12	buckets	bucket	NOUN
fsr-3413	223	13	”	"	PUNCT
fsr-3413	223	14	(	(	PUNCT
fsr-3413	223	15	thaler	thaler	NOUN
fsr-3413	223	16	,	,	PUNCT
fsr-3413	223	17	1999	1999	NUM
fsr-3413	223	18	)	)	PUNCT
fsr-3413	223	19	.	.	PUNCT
fsr-3413	224	1	we	we	PRON
fsr-3413	224	2	know	know	VERB
fsr-3413	224	3	those	those	DET
fsr-3413	224	4	accounts	account	NOUN
fsr-3413	224	5	can	can	AUX
fsr-3413	224	6	get	get	VERB
fsr-3413	224	7	full	full	ADJ
fsr-3413	224	8	(	(	PUNCT
fsr-3413	224	9	chambers	chamber	NOUN
fsr-3413	224	10	,	,	PUNCT
fsr-3413	224	11	spencer	spencer	NOUN
fsr-3413	224	12	,	,	PUNCT
fsr-3413	224	13	and	and	CCONJ
fsr-3413	224	14	mollick	mollick	NOUN
fsr-3413	224	15	,	,	PUNCT
fsr-3413	224	16	2009	2009	NUM
fsr-3413	224	17	)	)	PUNCT
fsr-3413	224	18	.	.	PUNCT
fsr-3413	225	1	this	this	PRON
fsr-3413	225	2	appears	appear	VERB
fsr-3413	225	3	to	to	PART
fsr-3413	225	4	be	be	AUX
fsr-3413	225	5	what	what	PRON
fsr-3413	225	6	is	be	AUX
fsr-3413	225	7	happening	happen	VERB
fsr-3413	225	8	through	through	ADP
fsr-3413	225	9	roughly	roughly	ADV
fsr-3413	225	10	the	the	DET
fsr-3413	225	11	$	$	SYM
fsr-3413	225	12	600	600	NUM
fsr-3413	225	13	payment	payment	NOUN
fsr-3413	225	14	level	level	NOUN
fsr-3413	225	15	.	.	PUNCT
fsr-3413	226	1	as	as	SCONJ
fsr-3413	226	2	income	income	NOUN
fsr-3413	226	3	rises	rise	NOUN
fsr-3413	226	4	,	,	PUNCT
fsr-3413	226	5	so	so	ADV
fsr-3413	226	6	does	do	VERB
fsr-3413	226	7	lifestyle	lifestyle	NOUN
fsr-3413	226	8	,	,	PUNCT
fsr-3413	226	9	ceteris	ceteris	NOUN
fsr-3413	226	10	paribus	paribus	NOUN
fsr-3413	226	11	.	.	PUNCT
fsr-3413	227	1	however	however	ADV
fsr-3413	227	2	,	,	PUNCT
fsr-3413	227	3	not	not	PART
fsr-3413	227	4	all	all	DET
fsr-3413	227	5	uses	use	NOUN
fsr-3413	227	6	of	of	ADP
fsr-3413	227	7	income	income	NOUN
fsr-3413	227	8	necessarily	necessarily	ADV
fsr-3413	227	9	rise	rise	VERB
fsr-3413	227	10	proportionately	proportionately	ADV
fsr-3413	227	11	.	.	PUNCT
fsr-3413	228	1	for	for	ADP
fsr-3413	228	2	example	example	NOUN
fsr-3413	228	3	,	,	PUNCT
fsr-3413	228	4	if	if	SCONJ
fsr-3413	228	5	one	one	NUM
fsr-3413	228	6	’s	’s	PART
fsr-3413	228	7	income	income	NOUN
fsr-3413	228	8	doubled	double	VERB
fsr-3413	228	9	,	,	PUNCT
fsr-3413	228	10	that	that	DET
fsr-3413	228	11	person	person	NOUN
fsr-3413	228	12	would	would	AUX
fsr-3413	228	13	not	not	PART
fsr-3413	228	14	necessarily	necessarily	ADV
fsr-3413	228	15	incur	incur	VERB
fsr-3413	228	16	twice	twice	ADV
fsr-3413	228	17	as	as	ADV
fsr-3413	228	18	much	much	ADJ
fsr-3413	228	19	in	in	ADP
fsr-3413	228	20	medical	medical	ADJ
fsr-3413	228	21	expenses	expense	NOUN
fsr-3413	228	22	.	.	PUNCT
fsr-3413	229	1	a	a	DET
fsr-3413	229	2	similar	similar	ADJ
fsr-3413	229	3	increase	increase	NOUN
fsr-3413	229	4	in	in	ADP
fsr-3413	229	5	income	income	NOUN
fsr-3413	229	6	might	might	AUX
fsr-3413	229	7	result	result	VERB
fsr-3413	229	8	in	in	ADP
fsr-3413	229	9	more	more	ADJ
fsr-3413	229	10	than	than	ADP
fsr-3413	229	11	doubling	double	VERB
fsr-3413	229	12	a	a	DET
fsr-3413	229	13	household	household	NOUN
fsr-3413	229	14	’s	’s	PART
fsr-3413	229	15	federal	federal	ADJ
fsr-3413	229	16	income	income	NOUN
fsr-3413	229	17	tax	tax	NOUN
fsr-3413	229	18	bill	bill	NOUN
fsr-3413	229	19	because	because	SCONJ
fsr-3413	229	20	federal	federal	ADJ
fsr-3413	229	21	income	income	NOUN
fsr-3413	229	22	tax	tax	NOUN
fsr-3413	229	23	rates	rate	NOUN
fsr-3413	229	24	are	be	AUX
fsr-3413	229	25	progressive	progressive	ADJ
fsr-3413	229	26	.	.	PUNCT
fsr-3413	230	1	therefore	therefore	ADV
fsr-3413	230	2	,	,	PUNCT
fsr-3413	230	3	how	how	SCONJ
fsr-3413	230	4	do	do	VERB
fsr-3413	230	5	the	the	DET
fsr-3413	230	6	allocations	allocation	NOUN
fsr-3413	230	7	for	for	ADP
fsr-3413	230	8	fun	fun	ADJ
fsr-3413	230	9	change	change	NOUN
fsr-3413	230	10	with	with	ADP
fsr-3413	230	11	an	an	DET
fsr-3413	230	12	increase	increase	NOUN
fsr-3413	230	13	in	in	ADP
fsr-3413	230	14	income	income	NOUN
fsr-3413	230	15	?	?	PUNCT
fsr-3413	231	1	apparently	apparently	ADV
fsr-3413	231	2	,	,	PUNCT
fsr-3413	231	3	at	at	ADP
fsr-3413	231	4	small	small	ADJ
fsr-3413	231	5	amounts	amount	NOUN
fsr-3413	231	6	of	of	ADP
fsr-3413	231	7	affectively	affectively	ADV
fsr-3413	231	8	tagged	tag	VERB
fsr-3413	231	9	windfalls	windfall	NOUN
fsr-3413	231	10	,	,	PUNCT
fsr-3413	231	11	enough	enough	ADJ
fsr-3413	231	12	money	money	NOUN
fsr-3413	231	13	is	be	AUX
fsr-3413	231	14	spent	spend	VERB
fsr-3413	231	15	to	to	PART
fsr-3413	231	16	fill	fill	VERB
fsr-3413	231	17	the	the	DET
fsr-3413	231	18	current	current	ADJ
fsr-3413	231	19	bucket	bucket	NOUN
fsr-3413	231	20	for	for	ADP
fsr-3413	231	21	fun	fun	NOUN
fsr-3413	231	22	,	,	PUNCT
fsr-3413	231	23	and	and	CCONJ
fsr-3413	231	24	then	then	ADV
fsr-3413	231	25	the	the	DET
fsr-3413	231	26	size	size	NOUN
fsr-3413	231	27	of	of	ADP
fsr-3413	231	28	the	the	DET
fsr-3413	231	29	bucket	bucket	NOUN
fsr-3413	231	30	increases	increase	VERB
fsr-3413	231	31	proportionately	proportionately	ADV
fsr-3413	231	32	.	.	PUNCT
fsr-3413	232	1	the	the	DET
fsr-3413	232	2	first	first	ADJ
fsr-3413	232	3	part	part	NOUN
fsr-3413	232	4	of	of	ADP
fsr-3413	232	5	this	this	DET
fsr-3413	232	6	graph	graph	NOUN
fsr-3413	232	7	,	,	PUNCT
fsr-3413	232	8	then	then	ADV
fsr-3413	232	9	,	,	PUNCT
fsr-3413	232	10	suggests	suggest	VERB
fsr-3413	232	11	that	that	SCONJ
fsr-3413	232	12	people	people	NOUN
fsr-3413	232	13	can	can	AUX
fsr-3413	232	14	have	have	VERB
fsr-3413	232	15	“	"	PUNCT
fsr-3413	232	16	enough	enough	ADJ
fsr-3413	232	17	fun	fun	NOUN
fsr-3413	232	18	”	"	PUNCT
fsr-3413	232	19	for	for	ADP
fsr-3413	232	20	their	their	PRON
fsr-3413	232	21	standard	standard	NOUN
fsr-3413	232	22	of	of	ADP
fsr-3413	232	23	living	living	NOUN
fsr-3413	232	24	,	,	PUNCT
fsr-3413	232	25	confirming	confirm	VERB
fsr-3413	232	26	chambers	chamber	NOUN
fsr-3413	232	27	et	et	PROPN
fsr-3413	232	28	al	al	PROPN
fsr-3413	232	29	.	.	PROPN
fsr-3413	233	1	(	(	PUNCT
fsr-3413	233	2	2009	2009	NUM
fsr-3413	233	3	)	)	PUNCT
fsr-3413	233	4	that	that	PRON
fsr-3413	233	5	buckets	bucket	NOUN
fsr-3413	233	6	get	get	VERB
fsr-3413	233	7	full	full	ADJ
fsr-3413	233	8	.	.	PUNCT
fsr-3413	234	1	the	the	DET
fsr-3413	234	2	second	second	ADJ
fsr-3413	234	3	part	part	NOUN
fsr-3413	234	4	of	of	ADP
fsr-3413	234	5	this	this	DET
fsr-3413	234	6	graph	graph	NOUN
fsr-3413	234	7	describes	describe	VERB
fsr-3413	234	8	the	the	DET
fsr-3413	234	9	elasticity	elasticity	NOUN
fsr-3413	234	10	of	of	ADP
fsr-3413	234	11	fun	fun	NOUN
fsr-3413	234	12	as	as	SCONJ
fsr-3413	234	13	windfalls	windfall	NOUN
fsr-3413	234	14	increase	increase	VERB
fsr-3413	234	15	,	,	PUNCT
fsr-3413	234	16	which	which	PRON
fsr-3413	234	17	is	be	AUX
fsr-3413	234	18	an	an	DET
fsr-3413	234	19	important	important	ADJ
fsr-3413	234	20	contribution	contribution	NOUN
fsr-3413	234	21	to	to	ADP
fsr-3413	234	22	literature	literature	NOUN
fsr-3413	234	23	,	,	PUNCT
fsr-3413	234	24	which	which	PRON
fsr-3413	234	25	we	we	PRON
fsr-3413	234	26	believe	believe	VERB
fsr-3413	234	27	has	have	AUX
fsr-3413	234	28	not	not	PART
fsr-3413	234	29	yet	yet	ADV
fsr-3413	234	30	tested	test	VERB
fsr-3413	234	31	how	how	SCONJ
fsr-3413	234	32	the	the	DET
fsr-3413	234	33	components	component	NOUN
fsr-3413	234	34	of	of	ADP
fsr-3413	234	35	allocating	allocate	VERB
fsr-3413	234	36	income	income	NOUN
fsr-3413	234	37	,	,	PUNCT
fsr-3413	234	38	and	and	CCONJ
fsr-3413	234	39	in	in	ADP
fsr-3413	234	40	particular	particular	ADJ
fsr-3413	234	41	fun	fun	NOUN
fsr-3413	234	42	,	,	PUNCT
fsr-3413	234	43	shift	shift	NOUN
fsr-3413	234	44	,	,	PUNCT
fsr-3413	234	45	if	if	SCONJ
fsr-3413	234	46	at	at	ADV
fsr-3413	234	47	all	all	ADV
fsr-3413	234	48	,	,	PUNCT
fsr-3413	234	49	with	with	ADP
fsr-3413	234	50	respondents	respondent	NOUN
fsr-3413	234	51	’	'	PUNCT
fsr-3413	234	52	increase	increase	NOUN
fsr-3413	234	53	in	in	ADP
fsr-3413	234	54	income	income	NOUN
fsr-3413	234	55	.	.	PUNCT
fsr-3413	235	1	this	this	PRON
fsr-3413	235	2	leads	lead	VERB
fsr-3413	235	3	to	to	ADP
fsr-3413	235	4	several	several	ADJ
fsr-3413	235	5	questions	question	NOUN
fsr-3413	235	6	for	for	ADP
fsr-3413	235	7	further	further	ADJ
fsr-3413	235	8	study	study	NOUN
fsr-3413	235	9	.	.	PUNCT
fsr-3413	236	1	how	how	SCONJ
fsr-3413	236	2	does	do	AUX
fsr-3413	236	3	the	the	DET
fsr-3413	236	4	allocation	allocation	NOUN
fsr-3413	236	5	of	of	ADP
fsr-3413	236	6	income	income	NOUN
fsr-3413	236	7	,	,	PUNCT
fsr-3413	236	8	and	and	CCONJ
fsr-3413	236	9	in	in	ADP
fsr-3413	236	10	particular	particular	ADJ
fsr-3413	236	11	income	income	NOUN
fsr-3413	236	12	from	from	ADP
fsr-3413	236	13	fun	fun	NOUN
fsr-3413	236	14	sources	source	NOUN
fsr-3413	236	15	,	,	PUNCT
fsr-3413	236	16	shift	shift	NOUN
fsr-3413	236	17	,	,	PUNCT
fsr-3413	236	18	if	if	SCONJ
fsr-3413	236	19	at	at	ADV
fsr-3413	236	20	all	all	ADV
fsr-3413	236	21	,	,	PUNCT
fsr-3413	236	22	with	with	ADP
fsr-3413	236	23	respondents	respondent	NOUN
fsr-3413	236	24	’	'	PUNCT
fsr-3413	236	25	increase	increase	NOUN
fsr-3413	236	26	in	in	ADP
fsr-3413	236	27	income	income	NOUN
fsr-3413	236	28	?	?	PUNCT
fsr-3413	237	1	it	it	PRON
fsr-3413	237	2	appears	appear	VERB
fsr-3413	237	3	that	that	SCONJ
fsr-3413	237	4	while	while	SCONJ
fsr-3413	237	5	affective	affective	ADJ
fsr-3413	237	6	tags	tag	NOUN
fsr-3413	237	7	can	can	AUX
fsr-3413	237	8	produce	produce	VERB
fsr-3413	237	9	significant	significant	ADJ
fsr-3413	237	10	results	result	NOUN
fsr-3413	237	11	,	,	PUNCT
fsr-3413	237	12	hedonistic	hedonistic	ADJ
fsr-3413	237	13	spending	spending	NOUN
fsr-3413	237	14	from	from	ADP
fsr-3413	237	15	an	an	DET
fsr-3413	237	16	affectively	affectively	ADV
fsr-3413	237	17	tagged	tag	VERB
fsr-3413	237	18	source	source	NOUN
fsr-3413	237	19	may	may	AUX
fsr-3413	237	20	be	be	AUX
fsr-3413	237	21	,	,	PUNCT
fsr-3413	237	22	if	if	SCONJ
fsr-3413	237	23	not	not	PART
fsr-3413	237	24	28	28	NUM
fsr-3413	237	25	e.	e.	PROPN
fsr-3413	237	26	bland	bland	PROPN
fsr-3413	237	27	,	,	PUNCT
fsr-3413	237	28	v.	v.	ADP
fsr-3413	237	29	chambers	chambers	PROPN
fsr-3413	237	30	/	/	SYM
fsr-3413	237	31	financial	financial	ADJ
fsr-3413	237	32	services	service	NOUN
fsr-3413	237	33	review	review	VERB
fsr-3413	237	34	28	28	NUM
fsr-3413	237	35	(	(	PUNCT
fsr-3413	237	36	2020	2020	NUM
fsr-3413	237	37	)	)	PUNCT
fsr-3413	237	38	17	17	NUM
fsr-3413	237	39	-	-	SYM
fsr-3413	237	40	34	34	NUM
fsr-3413	237	41	absolutely	absolutely	ADV
fsr-3413	237	42	bounded	bound	VERB
fsr-3413	237	43	,	,	PUNCT
fsr-3413	237	44	relatively	relatively	ADV
fsr-3413	237	45	bounded	bound	VERB
fsr-3413	237	46	.	.	PUNCT
fsr-3413	238	1	people	people	NOUN
fsr-3413	238	2	’s	’s	PART
fsr-3413	238	3	rationality	rationality	NOUN
fsr-3413	238	4	,	,	PUNCT
fsr-3413	238	5	more	more	ADJ
fsr-3413	238	6	than	than	ADP
fsr-3413	238	7	not	not	PART
fsr-3413	238	8	,	,	PUNCT
fsr-3413	238	9	seems	seem	VERB
fsr-3413	238	10	to	to	PART
fsr-3413	238	11	keep	keep	VERB
fsr-3413	238	12	exuberance	exuberance	NOUN
fsr-3413	238	13	in	in	ADP
fsr-3413	238	14	check	check	NOUN
fsr-3413	238	15	.	.	PUNCT
fsr-3413	239	1	additionally	additionally	ADV
fsr-3413	239	2	,	,	PUNCT
fsr-3413	239	3	if	if	SCONJ
fsr-3413	239	4	people	people	NOUN
fsr-3413	239	5	use	use	VERB
fsr-3413	239	6	adult	adult	NOUN
fsr-3413	239	7	sources	source	NOUN
fsr-3413	239	8	like	like	ADP
fsr-3413	239	9	tax	tax	NOUN
fsr-3413	239	10	rebates	rebate	NOUN
fsr-3413	239	11	for	for	ADP
fsr-3413	239	12	adult	adult	NOUN
fsr-3413	239	13	uses	use	NOUN
fsr-3413	239	14	,	,	PUNCT
fsr-3413	239	15	then	then	ADV
fsr-3413	239	16	financial	financial	ADJ
fsr-3413	239	17	professionals	professional	NOUN
fsr-3413	239	18	can	can	AUX
fsr-3413	239	19	incorporate	incorporate	VERB
fsr-3413	239	20	these	these	DET
fsr-3413	239	21	findings	finding	NOUN
fsr-3413	239	22	into	into	ADP
fsr-3413	239	23	their	their	PRON
fsr-3413	239	24	financial	financial	ADJ
fsr-3413	239	25	advising	advise	VERB
fsr-3413	239	26	practices	practice	NOUN
fsr-3413	239	27	.	.	PUNCT
fsr-3413	240	1	because	because	SCONJ
fsr-3413	240	2	tax	tax	NOUN
fsr-3413	240	3	filing	filing	NOUN
fsr-3413	240	4	is	be	AUX
fsr-3413	240	5	an	an	DET
fsr-3413	240	6	at	at	ADV
fsr-3413	240	7	least	least	ADJ
fsr-3413	240	8	annual	annual	ADJ
fsr-3413	240	9	event	event	NOUN
fsr-3413	240	10	,	,	PUNCT
fsr-3413	240	11	and	and	CCONJ
fsr-3413	240	12	because	because	SCONJ
fsr-3413	240	13	most	most	ADJ
fsr-3413	240	14	taxpayers	taxpayer	NOUN
fsr-3413	240	15	receive	receive	VERB
fsr-3413	240	16	refunds	refund	NOUN
fsr-3413	240	17	,	,	PUNCT
fsr-3413	240	18	tax	tax	NOUN
fsr-3413	240	19	season	season	NOUN
fsr-3413	240	20	may	may	AUX
fsr-3413	240	21	be	be	AUX
fsr-3413	240	22	a	a	DET
fsr-3413	240	23	robust	robust	ADJ
fsr-3413	240	24	time	time	NOUN
fsr-3413	240	25	for	for	SCONJ
fsr-3413	240	26	financial	financial	ADJ
fsr-3413	240	27	professionals	professional	NOUN
fsr-3413	240	28	to	to	PART
fsr-3413	240	29	encourage	encourage	VERB
fsr-3413	240	30	saving	save	VERB
fsr-3413	240	31	from	from	ADP
fsr-3413	240	32	a	a	DET
fsr-3413	240	33	windfall	windfall	NOUN
fsr-3413	240	34	.	.	PUNCT
fsr-3413	241	1	to	to	PART
fsr-3413	241	2	enhance	enhance	VERB
fsr-3413	241	3	this	this	DET
fsr-3413	241	4	practice	practice	NOUN
fsr-3413	241	5	,	,	PUNCT
fsr-3413	241	6	financial	financial	ADJ
fsr-3413	241	7	professionals	professional	NOUN
fsr-3413	241	8	might	might	AUX
fsr-3413	241	9	consider	consider	VERB
fsr-3413	241	10	encouraging	encourage	VERB
fsr-3413	241	11	savings	saving	NOUN
fsr-3413	241	12	from	from	ADP
fsr-3413	241	13	the	the	DET
fsr-3413	241	14	current	current	ADJ
fsr-3413	241	15	refund	refund	NOUN
fsr-3413	241	16	and	and	CCONJ
fsr-3413	241	17	also	also	ADV
fsr-3413	241	18	the	the	DET
fsr-3413	241	19	coming	come	VERB
fsr-3413	241	20	year	year	NOUN
fsr-3413	241	21	’s	’s	PART
fsr-3413	241	22	tax	tax	NOUN
fsr-3413	241	23	refund	refund	NOUN
fsr-3413	241	24	.	.	PUNCT
fsr-3413	242	1	from	from	ADP
fsr-3413	242	2	what	what	PRON
fsr-3413	242	3	we	we	PRON
fsr-3413	242	4	know	know	VERB
fsr-3413	242	5	about	about	ADP
fsr-3413	242	6	the	the	DET
fsr-3413	242	7	power	power	NOUN
fsr-3413	242	8	of	of	ADP
fsr-3413	242	9	commitment	commitment	NOUN
fsr-3413	242	10	,	,	PUNCT
fsr-3413	242	11	those	those	PRON
fsr-3413	242	12	who	who	PRON
fsr-3413	242	13	commit	commit	VERB
fsr-3413	242	14	to	to	ADP
fsr-3413	242	15	saving	save	VERB
fsr-3413	242	16	in	in	ADP
fsr-3413	242	17	the	the	DET
fsr-3413	242	18	future	future	NOUN
fsr-3413	242	19	save	save	VERB
fsr-3413	242	20	less	less	ADJ
fsr-3413	242	21	than	than	ADP
fsr-3413	242	22	what	what	PRON
fsr-3413	242	23	they	they	PRON
fsr-3413	242	24	commit	commit	VERB
fsr-3413	242	25	to	to	ADP
fsr-3413	242	26	saving	saving	NOUN
fsr-3413	242	27	,	,	PUNCT
fsr-3413	242	28	but	but	CCONJ
fsr-3413	242	29	more	more	ADJ
fsr-3413	242	30	than	than	ADP
fsr-3413	242	31	those	those	PRON
fsr-3413	242	32	who	who	PRON
fsr-3413	242	33	did	do	AUX
fsr-3413	242	34	not	not	PART
fsr-3413	242	35	make	make	VERB
fsr-3413	242	36	a	a	DET
fsr-3413	242	37	commitment	commitment	NOUN
fsr-3413	242	38	at	at	ADP
fsr-3413	242	39	all	all	ADV
fsr-3413	242	40	(	(	PUNCT
fsr-3413	242	41	thaler	thaler	NOUN
fsr-3413	242	42	and	and	CCONJ
fsr-3413	242	43	sunstein	sunstein	NOUN
fsr-3413	242	44	,	,	PUNCT
fsr-3413	242	45	2009	2009	NUM
fsr-3413	242	46	)	)	PUNCT
fsr-3413	242	47	.	.	PUNCT
fsr-3413	243	1	then	then	ADV
fsr-3413	243	2	remind	remind	VERB
fsr-3413	243	3	clients	client	NOUN
fsr-3413	243	4	of	of	ADP
fsr-3413	243	5	their	their	PRON
fsr-3413	243	6	future	future	ADJ
fsr-3413	243	7	commitment	commitment	NOUN
fsr-3413	243	8	throughout	throughout	ADP
fsr-3413	243	9	the	the	DET
fsr-3413	243	10	year	year	NOUN
fsr-3413	243	11	.	.	PUNCT
fsr-3413	244	1	mullainathan	mullainathan	PROPN
fsr-3413	244	2	and	and	CCONJ
fsr-3413	244	3	shafir	shafir	PROPN
fsr-3413	244	4	(	(	PUNCT
fsr-3413	244	5	2013	2013	NUM
fsr-3413	244	6	)	)	PUNCT
fsr-3413	244	7	showed	show	VERB
fsr-3413	244	8	that	that	SCONJ
fsr-3413	244	9	by	by	ADP
fsr-3413	244	10	sending	send	VERB
fsr-3413	244	11	a	a	DET
fsr-3413	244	12	monthly	monthly	ADJ
fsr-3413	244	13	reminder	reminder	NOUN
fsr-3413	244	14	to	to	PART
fsr-3413	244	15	save	save	VERB
fsr-3413	244	16	by	by	ADP
fsr-3413	244	17	either	either	PRON
fsr-3413	244	18	text	text	NOUN
fsr-3413	244	19	or	or	CCONJ
fsr-3413	244	20	letter	letter	NOUN
fsr-3413	244	21	,	,	PUNCT
fsr-3413	244	22	for	for	ADP
fsr-3413	244	23	example	example	NOUN
fsr-3413	244	24	,	,	PUNCT
fsr-3413	244	25	savings	saving	NOUN
fsr-3413	244	26	increased	increase	VERB
fsr-3413	244	27	6	6	NUM
fsr-3413	244	28	%	%	NOUN
fsr-3413	244	29	.	.	PUNCT
fsr-3413	245	1	this	this	DET
fsr-3413	245	2	method	method	NOUN
fsr-3413	245	3	of	of	ADP
fsr-3413	245	4	future	future	ADJ
fsr-3413	245	5	client	client	NOUN
fsr-3413	245	6	commitment	commitment	NOUN
fsr-3413	245	7	in	in	ADP
fsr-3413	245	8	the	the	DET
fsr-3413	245	9	tax	tax	NOUN
fsr-3413	245	10	setting	setting	NOUN
fsr-3413	245	11	combined	combine	VERB
fsr-3413	245	12	with	with	ADP
fsr-3413	245	13	reminders	reminder	NOUN
fsr-3413	245	14	has	have	AUX
fsr-3413	245	15	not	not	PART
fsr-3413	245	16	been	be	AUX
fsr-3413	245	17	tested	test	VERB
fsr-3413	245	18	though	though	ADV
fsr-3413	245	19	,	,	PUNCT
fsr-3413	245	20	so	so	SCONJ
fsr-3413	245	21	questions	question	NOUN
fsr-3413	245	22	still	still	ADV
fsr-3413	245	23	remain	remain	VERB
fsr-3413	245	24	,	,	PUNCT
fsr-3413	245	25	which	which	PRON
fsr-3413	245	26	leads	lead	VERB
fsr-3413	245	27	to	to	ADP
fsr-3413	245	28	several	several	ADJ
fsr-3413	245	29	questions	question	NOUN
fsr-3413	245	30	for	for	ADP
fsr-3413	245	31	further	further	ADJ
fsr-3413	245	32	study	study	NOUN
fsr-3413	245	33	.	.	PUNCT
fsr-3413	246	1	7	7	X
fsr-3413	246	2	.	.	NUM
fsr-3413	246	3	limitations	limitation	NOUN
fsr-3413	246	4	and	and	CCONJ
fsr-3413	246	5	opportunities	opportunity	NOUN
fsr-3413	246	6	for	for	ADP
fsr-3413	246	7	future	future	ADJ
fsr-3413	246	8	research	research	NOUN
fsr-3413	246	9	this	this	DET
fsr-3413	246	10	research	research	NOUN
fsr-3413	246	11	showed	show	VERB
fsr-3413	246	12	that	that	SCONJ
fsr-3413	246	13	there	there	PRON
fsr-3413	246	14	might	might	AUX
fsr-3413	246	15	be	be	AUX
fsr-3413	246	16	a	a	DET
fsr-3413	246	17	limit	limit	NOUN
fsr-3413	246	18	to	to	ADP
fsr-3413	246	19	how	how	SCONJ
fsr-3413	246	20	much	much	ADJ
fsr-3413	246	21	of	of	ADP
fsr-3413	246	22	a	a	DET
fsr-3413	246	23	windfall	windfall	NOUN
fsr-3413	246	24	people	people	NOUN
fsr-3413	246	25	are	be	AUX
fsr-3413	246	26	willing	willing	ADJ
fsr-3413	246	27	to	to	PART
fsr-3413	246	28	spend	spend	VERB
fsr-3413	246	29	on	on	ADP
fsr-3413	246	30	fun	fun	NOUN
fsr-3413	246	31	,	,	PUNCT
fsr-3413	246	32	even	even	ADV
fsr-3413	246	33	if	if	SCONJ
fsr-3413	246	34	the	the	DET
fsr-3413	246	35	windfall	windfall	NOUN
fsr-3413	246	36	is	be	AUX
fsr-3413	246	37	from	from	ADP
fsr-3413	246	38	a	a	DET
fsr-3413	246	39	fun	fun	ADJ
fsr-3413	246	40	source	source	NOUN
fsr-3413	246	41	.	.	PUNCT
fsr-3413	247	1	future	future	ADJ
fsr-3413	247	2	research	research	NOUN
fsr-3413	247	3	could	could	AUX
fsr-3413	247	4	explore	explore	VERB
fsr-3413	247	5	the	the	DET
fsr-3413	247	6	elasticity	elasticity	NOUN
fsr-3413	247	7	or	or	CCONJ
fsr-3413	247	8	shape	shape	NOUN
fsr-3413	247	9	of	of	ADP
fsr-3413	247	10	the	the	DET
fsr-3413	247	11	spending	spending	NOUN
fsr-3413	247	12	on	on	ADP
fsr-3413	247	13	fun	fun	NOUN
fsr-3413	247	14	.	.	PUNCT
fsr-3413	248	1	other	other	ADJ
fsr-3413	248	2	questions	question	NOUN
fsr-3413	248	3	also	also	ADV
fsr-3413	248	4	lend	lend	VERB
fsr-3413	248	5	themselves	themselves	PRON
fsr-3413	248	6	to	to	ADP
fsr-3413	248	7	further	further	ADJ
fsr-3413	248	8	research	research	NOUN
fsr-3413	248	9	:	:	PUNCT
fsr-3413	248	10	had	have	AUX
fsr-3413	248	11	windfalls	windfall	NOUN
fsr-3413	248	12	increased	increase	VERB
fsr-3413	248	13	further	far	ADV
fsr-3413	248	14	,	,	PUNCT
fsr-3413	248	15	would	would	AUX
fsr-3413	248	16	the	the	DET
fsr-3413	248	17	percentage	percentage	NOUN
fsr-3413	248	18	of	of	ADP
fsr-3413	248	19	income	income	NOUN
fsr-3413	248	20	allocated	allocate	VERB
fsr-3413	248	21	to	to	ADP
fsr-3413	248	22	fun	fun	NOUN
fsr-3413	248	23	stay	stay	VERB
fsr-3413	248	24	relatively	relatively	ADV
fsr-3413	248	25	flat	flat	ADJ
fsr-3413	248	26	?	?	PUNCT
fsr-3413	249	1	to	to	AUX
fsr-3413	249	2	what	what	DET
fsr-3413	249	3	extent	extent	NOUN
fsr-3413	249	4	is	be	AUX
fsr-3413	249	5	hedonistic	hedonistic	ADJ
fsr-3413	249	6	spending	spending	NOUN
fsr-3413	249	7	bounded	bound	VERB
fsr-3413	249	8	when	when	SCONJ
fsr-3413	249	9	the	the	DET
fsr-3413	249	10	source	source	NOUN
fsr-3413	249	11	of	of	ADP
fsr-3413	249	12	the	the	DET
fsr-3413	249	13	money	money	NOUN
fsr-3413	249	14	is	be	AUX
fsr-3413	249	15	affectively	affectively	ADV
fsr-3413	249	16	tagged	tag	VERB
fsr-3413	249	17	as	as	ADP
fsr-3413	249	18	either	either	CCONJ
fsr-3413	249	19	fun	fun	NOUN
fsr-3413	249	20	or	or	CCONJ
fsr-3413	249	21	adult	adult	NOUN
fsr-3413	249	22	?	?	PUNCT
fsr-3413	249	23	had	have	VERB
fsr-3413	249	24	windfalls	windfall	NOUN
fsr-3413	249	25	increased	increase	VERB
fsr-3413	249	26	further	far	ADV
fsr-3413	249	27	,	,	PUNCT
fsr-3413	249	28	would	would	AUX
fsr-3413	249	29	the	the	DET
fsr-3413	249	30	percentage	percentage	NOUN
fsr-3413	249	31	of	of	ADP
fsr-3413	249	32	income	income	NOUN
fsr-3413	249	33	allocated	allocate	VERB
fsr-3413	249	34	to	to	ADP
fsr-3413	249	35	fun	fun	NOUN
fsr-3413	249	36	stay	stay	VERB
fsr-3413	249	37	relatively	relatively	ADV
fsr-3413	249	38	constant	constant	ADJ
fsr-3413	249	39	?	?	PUNCT
fsr-3413	250	1	do	do	VERB
fsr-3413	250	2	other	other	ADJ
fsr-3413	250	3	allocations	allocation	NOUN
fsr-3413	250	4	of	of	ADP
fsr-3413	250	5	income	income	NOUN
fsr-3413	250	6	to	to	ADP
fsr-3413	250	7	,	,	PUNCT
fsr-3413	250	8	for	for	ADP
fsr-3413	250	9	example	example	NOUN
fsr-3413	250	10	,	,	PUNCT
fsr-3413	250	11	monthly	monthly	ADJ
fsr-3413	250	12	expenses	expense	NOUN
fsr-3413	250	13	and	and	CCONJ
fsr-3413	250	14	investments	investment	NOUN
fsr-3413	250	15	also	also	ADV
fsr-3413	250	16	grow	grow	VERB
fsr-3413	250	17	proportionately	proportionately	ADV
fsr-3413	250	18	,	,	PUNCT
fsr-3413	250	19	or	or	CCONJ
fsr-3413	250	20	do	do	VERB
fsr-3413	250	21	some	some	DET
fsr-3413	250	22	level	level	NOUN
fsr-3413	250	23	off	off	ADP
fsr-3413	250	24	or	or	CCONJ
fsr-3413	250	25	even	even	ADV
fsr-3413	250	26	reverse	reverse	VERB
fsr-3413	250	27	?	?	PUNCT
fsr-3413	251	1	what	what	PRON
fsr-3413	251	2	are	be	AUX
fsr-3413	251	3	the	the	DET
fsr-3413	251	4	other	other	ADJ
fsr-3413	251	5	affective	affective	ADJ
fsr-3413	251	6	tags	tag	NOUN
fsr-3413	251	7	?	?	PUNCT
fsr-3413	252	1	how	how	SCONJ
fsr-3413	252	2	does	do	AUX
fsr-3413	252	3	tagging	tag	VERB
fsr-3413	252	4	affect	affect	VERB
fsr-3413	252	5	income	income	NOUN
fsr-3413	252	6	allocations	allocation	NOUN
fsr-3413	252	7	currently	currently	ADV
fsr-3413	252	8	,	,	PUNCT
fsr-3413	252	9	and	and	CCONJ
fsr-3413	252	10	as	as	ADP
fsr-3413	252	11	the	the	DET
fsr-3413	252	12	amount	amount	NOUN
fsr-3413	252	13	of	of	ADP
fsr-3413	252	14	windfall	windfall	NOUN
fsr-3413	252	15	income	income	NOUN
fsr-3413	252	16	rises	rise	NOUN
fsr-3413	252	17	?	?	PUNCT
fsr-3413	253	1	one	one	NUM
fsr-3413	253	2	limitation	limitation	NOUN
fsr-3413	253	3	of	of	ADP
fsr-3413	253	4	this	this	DET
fsr-3413	253	5	article	article	NOUN
fsr-3413	253	6	is	be	AUX
fsr-3413	253	7	that	that	SCONJ
fsr-3413	253	8	it	it	PRON
fsr-3413	253	9	focuses	focus	VERB
fsr-3413	253	10	on	on	ADP
fsr-3413	253	11	the	the	DET
fsr-3413	253	12	changes	change	NOUN
fsr-3413	253	13	in	in	ADP
fsr-3413	253	14	behavioral	behavioral	ADJ
fsr-3413	253	15	intent	intent	NOUN
fsr-3413	253	16	when	when	SCONJ
fsr-3413	253	17	presented	present	VERB
fsr-3413	253	18	with	with	ADP
fsr-3413	253	19	modest	modest	ADJ
fsr-3413	253	20	windfalls	windfall	NOUN
fsr-3413	253	21	from	from	ADP
fsr-3413	253	22	different	different	ADJ
fsr-3413	253	23	sources	source	NOUN
fsr-3413	253	24	,	,	PUNCT
fsr-3413	253	25	and	and	CCONJ
fsr-3413	253	26	does	do	AUX
fsr-3413	253	27	not	not	PART
fsr-3413	253	28	examine	examine	VERB
fsr-3413	253	29	the	the	DET
fsr-3413	253	30	latent	latent	ADJ
fsr-3413	253	31	mental	mental	ADJ
fsr-3413	253	32	processes	process	NOUN
fsr-3413	253	33	(	(	PUNCT
fsr-3413	253	34	or	or	CCONJ
fsr-3413	253	35	lack	lack	VERB
fsr-3413	253	36	thereof	thereof	ADV
fsr-3413	253	37	)	)	PUNCT
fsr-3413	253	38	that	that	PRON
fsr-3413	253	39	are	be	AUX
fsr-3413	253	40	used	use	VERB
fsr-3413	253	41	to	to	PART
fsr-3413	253	42	reach	reach	VERB
fsr-3413	253	43	that	that	DET
fsr-3413	253	44	intent	intent	NOUN
fsr-3413	253	45	.	.	PUNCT
fsr-3413	254	1	we	we	PRON
fsr-3413	254	2	do	do	AUX
fsr-3413	254	3	not	not	PART
fsr-3413	254	4	disentangle	disentangle	VERB
fsr-3413	254	5	the	the	DET
fsr-3413	254	6	stimulus	stimulus	NOUN
fsr-3413	254	7	,	,	PUNCT
fsr-3413	254	8	or	or	CCONJ
fsr-3413	254	9	priming	priming	NOUN
fsr-3413	254	10	,	,	PUNCT
fsr-3413	254	11	from	from	ADP
fsr-3413	254	12	the	the	DET
fsr-3413	254	13	mental	mental	ADJ
fsr-3413	254	14	accounting	accounting	NOUN
fsr-3413	254	15	that	that	PRON
fsr-3413	254	16	produces	produce	VERB
fsr-3413	254	17	the	the	DET
fsr-3413	254	18	behavioral	behavioral	ADJ
fsr-3413	254	19	intent	intent	NOUN
fsr-3413	254	20	.	.	PUNCT
fsr-3413	255	1	priming	priming	NOUN
fsr-3413	255	2	can	can	AUX
fsr-3413	255	3	be	be	AUX
fsr-3413	255	4	exhibited	exhibit	VERB
fsr-3413	255	5	through	through	ADP
fsr-3413	255	6	what	what	PRON
fsr-3413	255	7	thaler	thaler	NOUN
fsr-3413	255	8	and	and	CCONJ
fsr-3413	255	9	sunstein	sunstein	PROPN
fsr-3413	255	10	(	(	PUNCT
fsr-3413	255	11	2009	2009	NUM
fsr-3413	255	12	)	)	PUNCT
fsr-3413	255	13	would	would	AUX
fsr-3413	255	14	call	call	VERB
fsr-3413	255	15	a	a	DET
fsr-3413	255	16	“	"	PUNCT
fsr-3413	255	17	nudge	nudge	VERB
fsr-3413	255	18	,	,	PUNCT
fsr-3413	255	19	”	"	PUNCT
fsr-3413	255	20	for	for	ADP
fsr-3413	255	21	example	example	NOUN
fsr-3413	255	22	when	when	SCONJ
fsr-3413	255	23	setting	set	VERB
fsr-3413	255	24	up	up	ADP
fsr-3413	255	25	certain	certain	ADJ
fsr-3413	255	26	financial	financial	ADJ
fsr-3413	255	27	defaults	default	NOUN
fsr-3413	255	28	to	to	PART
fsr-3413	255	29	encourage	encourage	VERB
fsr-3413	255	30	individuals	individual	NOUN
fsr-3413	255	31	to	to	PART
fsr-3413	255	32	save	save	VERB
fsr-3413	255	33	for	for	ADP
fsr-3413	255	34	their	their	PRON
fsr-3413	255	35	retirement	retirement	NOUN
fsr-3413	255	36	.	.	PUNCT
fsr-3413	256	1	mental	mental	ADJ
fsr-3413	256	2	accounting	accounting	NOUN
fsr-3413	256	3	on	on	ADP
fsr-3413	256	4	the	the	DET
fsr-3413	256	5	other	other	ADJ
fsr-3413	256	6	hand	hand	NOUN
fsr-3413	256	7	is	be	AUX
fsr-3413	256	8	an	an	DET
fsr-3413	256	9	internal	internal	ADJ
fsr-3413	256	10	construct	construct	NOUN
fsr-3413	256	11	,	,	PUNCT
fsr-3413	256	12	but	but	CCONJ
fsr-3413	256	13	it	it	PRON
fsr-3413	256	14	is	be	AUX
fsr-3413	256	15	connected	connect	VERB
fsr-3413	256	16	to	to	PART
fsr-3413	256	17	nudges	nudge	NOUN
fsr-3413	256	18	that	that	SCONJ
fsr-3413	256	19	others	other	NOUN
fsr-3413	256	20	may	may	AUX
fsr-3413	256	21	use	use	VERB
fsr-3413	256	22	in	in	ADP
fsr-3413	256	23	the	the	DET
fsr-3413	256	24	environment	environment	NOUN
fsr-3413	256	25	to	to	PART
fsr-3413	256	26	improve	improve	VERB
fsr-3413	256	27	the	the	DET
fsr-3413	256	28	choices	choice	NOUN
fsr-3413	256	29	of	of	ADP
fsr-3413	256	30	people	people	NOUN
fsr-3413	256	31	who	who	PRON
fsr-3413	256	32	process	process	VERB
fsr-3413	256	33	information	information	NOUN
fsr-3413	256	34	through	through	ADP
fsr-3413	256	35	their	their	PRON
fsr-3413	256	36	mental	mental	ADJ
fsr-3413	256	37	accounting	accounting	NOUN
fsr-3413	256	38	systems	system	NOUN
fsr-3413	256	39	.	.	PUNCT
fsr-3413	257	1	that	that	PRON
fsr-3413	257	2	is	is	ADV
fsr-3413	257	3	,	,	PUNCT
fsr-3413	257	4	priming	prime	VERB
fsr-3413	257	5	is	be	AUX
fsr-3413	257	6	a	a	DET
fsr-3413	257	7	cause	cause	NOUN
fsr-3413	257	8	that	that	SCONJ
fsr-3413	257	9	when	when	SCONJ
fsr-3413	257	10	processed	process	VERB
fsr-3413	257	11	with	with	ADP
fsr-3413	257	12	another	another	DET
fsr-3413	257	13	’s	’s	ADJ
fsr-3413	257	14	mental	mental	ADJ
fsr-3413	257	15	accounting	accounting	NOUN
fsr-3413	257	16	system	system	NOUN
fsr-3413	257	17	may	may	AUX
fsr-3413	257	18	yield	yield	VERB
fsr-3413	257	19	a	a	DET
fsr-3413	257	20	different	different	ADJ
fsr-3413	257	21	behavior	behavior	NOUN
fsr-3413	257	22	than	than	ADP
fsr-3413	257	23	that	that	PRON
fsr-3413	257	24	displayed	display	VERB
fsr-3413	257	25	by	by	ADP
fsr-3413	257	26	those	those	PRON
fsr-3413	257	27	who	who	PRON
fsr-3413	257	28	were	be	AUX
fsr-3413	257	29	not	not	PART
fsr-3413	257	30	primed	prime	VERB
fsr-3413	257	31	.	.	PUNCT
fsr-3413	258	1	in	in	ADP
fsr-3413	258	2	this	this	DET
fsr-3413	258	3	particular	particular	ADJ
fsr-3413	258	4	study	study	NOUN
fsr-3413	258	5	,	,	PUNCT
fsr-3413	258	6	we	we	PRON
fsr-3413	258	7	are	be	AUX
fsr-3413	258	8	less	less	ADV
fsr-3413	258	9	concerned	concerned	ADJ
fsr-3413	258	10	with	with	ADP
fsr-3413	258	11	the	the	DET
fsr-3413	258	12	nuance	nuance	NOUN
fsr-3413	258	13	of	of	ADP
fsr-3413	258	14	disentangling	disentangle	VERB
fsr-3413	258	15	the	the	DET
fsr-3413	258	16	prime	prime	NOUN
fsr-3413	258	17	from	from	ADP
fsr-3413	258	18	the	the	DET
fsr-3413	258	19	latent	latent	NOUN
fsr-3413	258	20	mental	mental	ADJ
fsr-3413	258	21	accounting	accounting	NOUN
fsr-3413	258	22	,	,	PUNCT
fsr-3413	258	23	and	and	CCONJ
fsr-3413	258	24	more	more	ADV
fsr-3413	258	25	concerned	concerned	ADJ
fsr-3413	258	26	with	with	ADP
fsr-3413	258	27	the	the	DET
fsr-3413	258	28	type	type	NOUN
fsr-3413	258	29	of	of	ADP
fsr-3413	258	30	stimulus	stimulus	NOUN
fsr-3413	258	31	and	and	CCONJ
fsr-3413	258	32	differences	difference	NOUN
fsr-3413	258	33	in	in	ADP
fsr-3413	258	34	intent	intent	NOUN
fsr-3413	258	35	.	.	PUNCT
fsr-3413	259	1	29e	29e	X
fsr-3413	259	2	.	.	PUNCT
fsr-3413	260	1	bland	bland	ADJ
fsr-3413	260	2	,	,	PUNCT
fsr-3413	260	3	v.	v.	ADP
fsr-3413	260	4	chambers	chambers	PROPN
fsr-3413	260	5	/	/	SYM
fsr-3413	260	6	financial	financial	ADJ
fsr-3413	260	7	services	service	NOUN
fsr-3413	260	8	review	review	VERB
fsr-3413	260	9	28	28	NUM
fsr-3413	260	10	(	(	PUNCT
fsr-3413	260	11	2020	2020	NUM
fsr-3413	260	12	)	)	PUNCT
fsr-3413	260	13	17	17	NUM
fsr-3413	260	14	-	-	SYM
fsr-3413	260	15	34	34	NUM
fsr-3413	260	16	in	in	ADP
fsr-3413	260	17	this	this	DET
fsr-3413	260	18	instrument	instrument	NOUN
fsr-3413	260	19	,	,	PUNCT
fsr-3413	260	20	we	we	PRON
fsr-3413	260	21	asked	ask	VERB
fsr-3413	260	22	if	if	SCONJ
fsr-3413	260	23	respondents	respondent	NOUN
fsr-3413	260	24	smoked	smoke	VERB
fsr-3413	260	25	and	and	CCONJ
fsr-3413	260	26	if	if	SCONJ
fsr-3413	260	27	they	they	PRON
fsr-3413	260	28	wear	wear	VERB
fsr-3413	260	29	seatbelts	seatbelt	NOUN
fsr-3413	260	30	as	as	ADP
fsr-3413	260	31	a	a	DET
fsr-3413	260	32	proxy	proxy	NOUN
fsr-3413	260	33	for	for	ADP
fsr-3413	260	34	risk	risk	NOUN
fsr-3413	260	35	aversion	aversion	NOUN
fsr-3413	260	36	.	.	PUNCT
fsr-3413	261	1	we	we	PRON
fsr-3413	261	2	also	also	ADV
fsr-3413	261	3	asked	ask	VERB
fsr-3413	261	4	them	they	PRON
fsr-3413	261	5	for	for	ADP
fsr-3413	261	6	the	the	DET
fsr-3413	261	7	extent	extent	NOUN
fsr-3413	261	8	of	of	ADP
fsr-3413	261	9	their	their	PRON
fsr-3413	261	10	business	business	NOUN
fsr-3413	261	11	experience	experience	NOUN
fsr-3413	261	12	.	.	PUNCT
fsr-3413	262	1	we	we	PRON
fsr-3413	262	2	had	have	AUX
fsr-3413	262	3	seen	see	VERB
fsr-3413	262	4	these	these	DET
fsr-3413	262	5	questions	question	NOUN
fsr-3413	262	6	in	in	ADP
fsr-3413	262	7	previous	previous	ADJ
fsr-3413	262	8	studies	study	NOUN
fsr-3413	262	9	,	,	PUNCT
fsr-3413	262	10	sometimes	sometimes	ADV
fsr-3413	262	11	in	in	ADP
fsr-3413	262	12	multiple	multiple	ADJ
fsr-3413	262	13	studies	study	NOUN
fsr-3413	262	14	.	.	PUNCT
fsr-3413	263	1	in	in	ADP
fsr-3413	263	2	hindsight	hindsight	ADJ
fsr-3413	263	3	,	,	PUNCT
fsr-3413	263	4	these	these	DET
fsr-3413	263	5	questions	question	NOUN
fsr-3413	263	6	were	be	AUX
fsr-3413	263	7	too	too	ADV
fsr-3413	263	8	general	general	ADJ
fsr-3413	263	9	to	to	PART
fsr-3413	263	10	yield	yield	VERB
fsr-3413	263	11	meaningful	meaningful	ADJ
fsr-3413	263	12	results	result	NOUN
fsr-3413	263	13	.	.	PUNCT
fsr-3413	264	1	for	for	ADP
fsr-3413	264	2	example	example	NOUN
fsr-3413	264	3	,	,	PUNCT
fsr-3413	264	4	an	an	DET
fsr-3413	264	5	item	item	NOUN
fsr-3413	264	6	on	on	ADP
fsr-3413	264	7	“	"	PUNCT
fsr-3413	264	8	personal	personal	ADJ
fsr-3413	264	9	financial	financial	ADJ
fsr-3413	264	10	expertise	expertise	NOUN
fsr-3413	264	11	”	"	PUNCT
fsr-3413	264	12	would	would	AUX
fsr-3413	264	13	likely	likely	ADV
fsr-3413	264	14	have	have	AUX
fsr-3413	264	15	yielded	yield	VERB
fsr-3413	264	16	more	more	ADJ
fsr-3413	264	17	information	information	NOUN
fsr-3413	264	18	than	than	ADP
fsr-3413	264	19	the	the	DET
fsr-3413	264	20	more	more	ADV
fsr-3413	264	21	general	general	ADJ
fsr-3413	264	22	“	"	PUNCT
fsr-3413	264	23	business	business	NOUN
fsr-3413	264	24	experience	experience	NOUN
fsr-3413	264	25	.	.	PUNCT
fsr-3413	264	26	”	"	PUNCT
fsr-3413	265	1	similarly	similarly	ADV
fsr-3413	265	2	,	,	PUNCT
fsr-3413	265	3	we	we	PRON
fsr-3413	265	4	analyzed	analyze	VERB
fsr-3413	265	5	the	the	DET
fsr-3413	265	6	differences	difference	NOUN
fsr-3413	265	7	in	in	ADP
fsr-3413	265	8	uses	use	NOUN
fsr-3413	265	9	among	among	ADP
fsr-3413	265	10	hypothetical	hypothetical	ADJ
fsr-3413	265	11	receipts	receipt	NOUN
fsr-3413	265	12	from	from	ADP
fsr-3413	265	13	the	the	DET
fsr-3413	265	14	following	follow	VERB
fsr-3413	265	15	sources	source	NOUN
fsr-3413	265	16	:	:	PUNCT
fsr-3413	265	17	game	game	NOUN
fsr-3413	265	18	show	show	VERB
fsr-3413	265	19	earnings	earning	NOUN
fsr-3413	265	20	,	,	PUNCT
fsr-3413	265	21	bonuses	bonus	NOUN
fsr-3413	265	22	,	,	PUNCT
fsr-3413	265	23	and	and	CCONJ
fsr-3413	265	24	tax	tax	NOUN
fsr-3413	265	25	rebates	rebate	NOUN
fsr-3413	265	26	.	.	PUNCT
fsr-3413	266	1	underlying	underlie	VERB
fsr-3413	266	2	this	this	DET
fsr-3413	266	3	analysis	analysis	NOUN
fsr-3413	266	4	is	be	AUX
fsr-3413	266	5	that	that	SCONJ
fsr-3413	266	6	winning	win	VERB
fsr-3413	266	7	money	money	NOUN
fsr-3413	266	8	on	on	ADP
fsr-3413	266	9	a	a	DET
fsr-3413	266	10	game	game	NOUN
fsr-3413	266	11	show	show	NOUN
fsr-3413	266	12	is	be	AUX
fsr-3413	266	13	more	more	ADV
fsr-3413	266	14	fun	fun	ADJ
fsr-3413	266	15	than	than	ADP
fsr-3413	266	16	doing	do	VERB
fsr-3413	266	17	one	one	NUM
fsr-3413	266	18	’s	’s	PART
fsr-3413	266	19	taxes	taxis	NOUN
fsr-3413	266	20	.	.	PUNCT
fsr-3413	267	1	that	that	PRON
fsr-3413	267	2	might	might	AUX
fsr-3413	267	3	not	not	PART
fsr-3413	267	4	be	be	AUX
fsr-3413	267	5	universally	universally	ADV
fsr-3413	267	6	true	true	ADJ
fsr-3413	267	7	,	,	PUNCT
fsr-3413	267	8	and	and	CCONJ
fsr-3413	267	9	that	that	SCONJ
fsr-3413	267	10	assumption	assumption	NOUN
fsr-3413	267	11	biases	bias	NOUN
fsr-3413	267	12	against	against	ADP
fsr-3413	267	13	results	result	NOUN
fsr-3413	267	14	in	in	ADP
fsr-3413	267	15	this	this	DET
fsr-3413	267	16	this	this	DET
fsr-3413	267	17	study	study	NOUN
fsr-3413	267	18	.	.	PUNCT
fsr-3413	268	1	for	for	ADP
fsr-3413	268	2	future	future	ADJ
fsr-3413	268	3	research	research	NOUN
fsr-3413	268	4	,	,	PUNCT
fsr-3413	268	5	it	it	PRON
fsr-3413	268	6	might	might	AUX
fsr-3413	268	7	be	be	AUX
fsr-3413	268	8	useful	useful	ADJ
fsr-3413	268	9	to	to	PART
fsr-3413	268	10	test	test	VERB
fsr-3413	268	11	the	the	DET
fsr-3413	268	12	extent	extent	NOUN
fsr-3413	268	13	that	that	PRON
fsr-3413	268	14	respondents	respondent	NOUN
fsr-3413	268	15	find	find	VERB
fsr-3413	268	16	game	game	NOUN
fsr-3413	268	17	show	show	NOUN
fsr-3413	268	18	winnings	winning	NOUN
fsr-3413	268	19	to	to	PART
fsr-3413	268	20	be	be	AUX
fsr-3413	268	21	more	more	ADV
fsr-3413	268	22	fun	fun	ADJ
fsr-3413	268	23	than	than	ADP
fsr-3413	268	24	receiving	receive	VERB
fsr-3413	268	25	a	a	DET
fsr-3413	268	26	tax	tax	NOUN
fsr-3413	268	27	rebate	rebate	NOUN
fsr-3413	268	28	.	.	PUNCT
fsr-3413	269	1	for	for	ADP
fsr-3413	269	2	example	example	NOUN
fsr-3413	269	3	,	,	PUNCT
fsr-3413	269	4	some	some	DET
fsr-3413	269	5	people	people	NOUN
fsr-3413	269	6	may	may	AUX
fsr-3413	269	7	be	be	AUX
fsr-3413	269	8	so	so	ADV
fsr-3413	269	9	thrilled	thrill	VERB
fsr-3413	269	10	that	that	SCONJ
fsr-3413	269	11	they	they	PRON
fsr-3413	269	12	are	be	AUX
fsr-3413	269	13	(	(	PUNCT
fsr-3413	269	14	hypothetically	hypothetically	ADV
fsr-3413	269	15	)	)	PUNCT
fsr-3413	269	16	getting	get	VERB
fsr-3413	269	17	any	any	DET
fsr-3413	269	18	money	money	NOUN
fsr-3413	269	19	that	that	PRON
fsr-3413	269	20	the	the	DET
fsr-3413	269	21	source	source	NOUN
fsr-3413	269	22	is	be	AUX
fsr-3413	269	23	irrelevant	irrelevant	ADJ
fsr-3413	269	24	,	,	PUNCT
fsr-3413	269	25	and	and	CCONJ
fsr-3413	269	26	a	a	DET
fsr-3413	269	27	separate	separate	ADJ
fsr-3413	269	28	analysis	analysis	NOUN
fsr-3413	269	29	of	of	ADP
fsr-3413	269	30	those	those	DET
fsr-3413	269	31	respondents	respondent	NOUN
fsr-3413	269	32	may	may	AUX
fsr-3413	269	33	result	result	VERB
fsr-3413	269	34	in	in	ADP
fsr-3413	269	35	further	far	ADV
fsr-3413	269	36	interesting	interesting	ADJ
fsr-3413	269	37	,	,	PUNCT
fsr-3413	269	38	significant	significant	ADJ
fsr-3413	269	39	findings	finding	NOUN
fsr-3413	269	40	.	.	PUNCT
fsr-3413	270	1	another	another	DET
fsr-3413	270	2	way	way	NOUN
fsr-3413	270	3	to	to	PART
fsr-3413	270	4	examine	examine	VERB
fsr-3413	270	5	the	the	DET
fsr-3413	270	6	effects	effect	NOUN
fsr-3413	270	7	of	of	ADP
fsr-3413	270	8	fun	fun	ADJ
fsr-3413	270	9	earnings	earning	NOUN
fsr-3413	270	10	relative	relative	ADJ
fsr-3413	270	11	to	to	ADP
fsr-3413	270	12	adult	adult	NOUN
fsr-3413	270	13	earnings	earning	NOUN
fsr-3413	270	14	would	would	AUX
fsr-3413	270	15	be	be	AUX
fsr-3413	270	16	to	to	PART
fsr-3413	270	17	ask	ask	VERB
fsr-3413	270	18	respondents	respondent	NOUN
fsr-3413	270	19	what	what	PRON
fsr-3413	270	20	categories	category	NOUN
fsr-3413	270	21	of	of	ADP
fsr-3413	270	22	activities	activity	NOUN
fsr-3413	270	23	they	they	PRON
fsr-3413	270	24	saw	see	VERB
fsr-3413	270	25	as	as	ADP
fsr-3413	270	26	fun	fun	NOUN
fsr-3413	270	27	rather	rather	ADV
fsr-3413	270	28	than	than	ADP
fsr-3413	270	29	adult	adult	NOUN
fsr-3413	270	30	.	.	PUNCT
fsr-3413	271	1	these	these	DET
fsr-3413	271	2	responses	response	NOUN
fsr-3413	271	3	could	could	AUX
fsr-3413	271	4	be	be	AUX
fsr-3413	271	5	incorporated	incorporate	VERB
fsr-3413	271	6	into	into	ADP
fsr-3413	271	7	fun	fun	NOUN
fsr-3413	271	8	or	or	CCONJ
fsr-3413	271	9	adult	adult	NOUN
fsr-3413	271	10	scenarios	scenario	NOUN
fsr-3413	271	11	and	and	CCONJ
fsr-3413	271	12	,	,	PUNCT
fsr-3413	271	13	among	among	ADP
fsr-3413	271	14	subjects	subject	NOUN
fsr-3413	271	15	design	design	NOUN
fsr-3413	271	16	,	,	PUNCT
fsr-3413	271	17	could	could	AUX
fsr-3413	271	18	test	test	VERB
fsr-3413	271	19	for	for	ADP
fsr-3413	271	20	different	different	ADJ
fsr-3413	271	21	uses	use	NOUN
fsr-3413	271	22	of	of	ADP
fsr-3413	271	23	those	those	DET
fsr-3413	271	24	funds	fund	NOUN
fsr-3413	271	25	.	.	PUNCT
fsr-3413	272	1	such	such	DET
fsr-3413	272	2	a	a	DET
fsr-3413	272	3	design	design	NOUN
fsr-3413	272	4	may	may	AUX
fsr-3413	272	5	be	be	AUX
fsr-3413	272	6	a	a	DET
fsr-3413	272	7	better	well	ADJ
fsr-3413	272	8	test	test	NOUN
fsr-3413	272	9	of	of	ADP
fsr-3413	272	10	these	these	DET
fsr-3413	272	11	concepts	concept	NOUN
fsr-3413	272	12	and	and	CCONJ
fsr-3413	272	13	produce	produce	VERB
fsr-3413	272	14	stronger	strong	ADJ
fsr-3413	272	15	results	result	NOUN
fsr-3413	272	16	.	.	PUNCT
fsr-3413	273	1	8	8	X
fsr-3413	273	2	.	.	X
fsr-3413	273	3	conclusion	conclusion	NOUN
fsr-3413	273	4	our	our	PRON
fsr-3413	273	5	findings	finding	NOUN
fsr-3413	273	6	are	be	AUX
fsr-3413	273	7	consistent	consistent	ADJ
fsr-3413	273	8	with	with	ADP
fsr-3413	273	9	the	the	DET
fsr-3413	273	10	idea	idea	NOUN
fsr-3413	273	11	that	that	SCONJ
fsr-3413	273	12	fun	fun	NOUN
fsr-3413	273	13	sources	source	NOUN
fsr-3413	273	14	of	of	ADP
fsr-3413	273	15	income	income	NOUN
fsr-3413	273	16	are	be	AUX
fsr-3413	273	17	more	more	ADV
fsr-3413	273	18	likely	likely	ADJ
fsr-3413	273	19	to	to	PART
fsr-3413	273	20	be	be	AUX
fsr-3413	273	21	spent	spend	VERB
fsr-3413	273	22	on	on	ADP
fsr-3413	273	23	a	a	DET
fsr-3413	273	24	fun	fun	NOUN
fsr-3413	273	25	expenditure	expenditure	NOUN
fsr-3413	273	26	.	.	PUNCT
fsr-3413	274	1	money	money	NOUN
fsr-3413	274	2	won	win	VERB
fsr-3413	274	3	on	on	ADP
fsr-3413	274	4	a	a	DET
fsr-3413	274	5	game	game	NOUN
fsr-3413	274	6	show	show	NOUN
fsr-3413	274	7	would	would	AUX
fsr-3413	274	8	be	be	AUX
fsr-3413	274	9	spent	spend	VERB
fsr-3413	274	10	more	more	ADJ
fsr-3413	274	11	on	on	ADP
fsr-3413	274	12	fun	fun	NOUN
fsr-3413	274	13	than	than	ADP
fsr-3413	274	14	money	money	NOUN
fsr-3413	274	15	received	receive	VERB
fsr-3413	274	16	from	from	ADP
fsr-3413	274	17	a	a	DET
fsr-3413	274	18	tax	tax	NOUN
fsr-3413	274	19	rebate	rebate	NOUN
fsr-3413	274	20	.	.	PUNCT
fsr-3413	275	1	this	this	PRON
fsr-3413	275	2	provides	provide	VERB
fsr-3413	275	3	support	support	NOUN
fsr-3413	275	4	for	for	ADP
fsr-3413	275	5	rejecting	reject	VERB
fsr-3413	275	6	the	the	DET
fsr-3413	275	7	first	first	ADJ
fsr-3413	275	8	null	null	ADJ
fsr-3413	275	9	hypothesis	hypothesis	NOUN
fsr-3413	275	10	that	that	SCONJ
fsr-3413	275	11	there	there	PRON
fsr-3413	275	12	will	will	AUX
fsr-3413	275	13	be	be	AUX
fsr-3413	275	14	no	no	DET
fsr-3413	275	15	difference	difference	NOUN
fsr-3413	275	16	in	in	ADP
fsr-3413	275	17	spending	spending	NOUN
fsr-3413	275	18	on	on	ADP
fsr-3413	275	19	fun	fun	NOUN
fsr-3413	275	20	by	by	ADP
fsr-3413	275	21	source	source	NOUN
fsr-3413	275	22	of	of	ADP
fsr-3413	275	23	windfall	windfall	NOUN
fsr-3413	275	24	.	.	PUNCT
fsr-3413	276	1	however	however	ADV
fsr-3413	276	2	,	,	PUNCT
fsr-3413	276	3	there	there	PRON
fsr-3413	276	4	may	may	AUX
fsr-3413	276	5	be	be	AUX
fsr-3413	276	6	a	a	DET
fsr-3413	276	7	hierarchy	hierarchy	NOUN
fsr-3413	276	8	of	of	ADP
fsr-3413	276	9	fun	fun	NOUN
fsr-3413	276	10	sources	source	NOUN
fsr-3413	276	11	:	:	PUNCT
fsr-3413	276	12	game	game	NOUN
fsr-3413	276	13	shows	show	VERB
fsr-3413	276	14	winnings	winning	NOUN
fsr-3413	276	15	are	be	AUX
fsr-3413	276	16	likely	likely	ADV
fsr-3413	276	17	more	more	ADV
fsr-3413	276	18	fun	fun	ADJ
fsr-3413	276	19	than	than	ADP
fsr-3413	276	20	work	work	NOUN
fsr-3413	276	21	,	,	PUNCT
fsr-3413	276	22	and	and	CCONJ
fsr-3413	276	23	work	work	NOUN
fsr-3413	276	24	is	be	AUX
fsr-3413	276	25	not	not	PART
fsr-3413	276	26	much	much	ADV
fsr-3413	276	27	different	different	ADJ
fsr-3413	276	28	from	from	ADP
fsr-3413	276	29	taxes	taxis	NOUN
fsr-3413	276	30	,	,	PUNCT
fsr-3413	276	31	but	but	CCONJ
fsr-3413	276	32	results	result	NOUN
fsr-3413	276	33	show	show	VERB
fsr-3413	276	34	that	that	SCONJ
fsr-3413	276	35	game	game	NOUN
fsr-3413	276	36	shows	show	VERB
fsr-3413	276	37	winnings	winning	NOUN
fsr-3413	276	38	are	be	AUX
fsr-3413	276	39	clearly	clearly	ADV
fsr-3413	276	40	more	more	ADV
fsr-3413	276	41	fun	fun	ADJ
fsr-3413	276	42	than	than	ADP
fsr-3413	276	43	tax	tax	NOUN
fsr-3413	276	44	rebates	rebate	NOUN
fsr-3413	276	45	.	.	PUNCT
fsr-3413	277	1	while	while	SCONJ
fsr-3413	277	2	some	some	PRON
fsr-3413	277	3	of	of	ADP
fsr-3413	277	4	the	the	DET
fsr-3413	277	5	regression	regression	NOUN
fsr-3413	277	6	results	result	NOUN
fsr-3413	277	7	were	be	AUX
fsr-3413	277	8	unable	unable	ADJ
fsr-3413	277	9	to	to	PART
fsr-3413	277	10	reject	reject	VERB
fsr-3413	277	11	null	null	ADJ
fsr-3413	277	12	hypothesis	hypothesis	NOUN
fsr-3413	277	13	2	2	NUM
fsr-3413	277	14	as	as	SCONJ
fsr-3413	277	15	it	it	PRON
fsr-3413	277	16	pertains	pertain	VERB
fsr-3413	277	17	to	to	PART
fsr-3413	277	18	adult	adult	VERB
fsr-3413	277	19	spending	spending	NOUN
fsr-3413	277	20	,	,	PUNCT
fsr-3413	277	21	regression	regression	NOUN
fsr-3413	277	22	results	result	NOUN
fsr-3413	277	23	for	for	ADP
fsr-3413	277	24	additional	additional	ADJ
fsr-3413	277	25	investing	investing	NOUN
fsr-3413	277	26	provide	provide	VERB
fsr-3413	277	27	support	support	NOUN
fsr-3413	277	28	for	for	ADP
fsr-3413	277	29	rejecting	reject	VERB
fsr-3413	277	30	null	null	ADJ
fsr-3413	277	31	hypothesis	hypothesis	NOUN
fsr-3413	277	32	2	2	NUM
fsr-3413	277	33	,	,	PUNCT
fsr-3413	277	34	that	that	SCONJ
fsr-3413	277	35	there	there	PRON
fsr-3413	277	36	is	be	VERB
fsr-3413	277	37	no	no	DET
fsr-3413	277	38	difference	difference	NOUN
fsr-3413	277	39	in	in	ADP
fsr-3413	277	40	allocations	allocation	NOUN
fsr-3413	277	41	for	for	ADP
fsr-3413	277	42	regular	regular	ADJ
fsr-3413	277	43	expenses	expense	NOUN
fsr-3413	277	44	,	,	PUNCT
fsr-3413	277	45	credit	credit	NOUN
fsr-3413	277	46	card	card	NOUN
fsr-3413	277	47	payments	payment	NOUN
fsr-3413	277	48	,	,	PUNCT
fsr-3413	277	49	durable	durable	ADJ
fsr-3413	277	50	assets	asset	NOUN
fsr-3413	277	51	,	,	PUNCT
fsr-3413	277	52	or	or	CCONJ
fsr-3413	277	53	investing	invest	VERB
fsr-3413	277	54	in	in	ADP
fsr-3413	277	55	stocks	stock	NOUN
fsr-3413	277	56	,	,	PUNCT
fsr-3413	277	57	bonds	bond	NOUN
fsr-3413	277	58	and	and	CCONJ
fsr-3413	277	59	savings	saving	NOUN
fsr-3413	277	60	account	account	NOUN
fsr-3413	277	61	(	(	PUNCT
fsr-3413	277	62	adult	adult	NOUN
fsr-3413	277	63	uses	use	NOUN
fsr-3413	277	64	of	of	ADP
fsr-3413	277	65	funds	fund	NOUN
fsr-3413	277	66	)	)	PUNCT
fsr-3413	277	67	by	by	ADP
fsr-3413	277	68	source	source	NOUN
fsr-3413	277	69	of	of	ADP
fsr-3413	277	70	windfall	windfall	NOUN
fsr-3413	277	71	.	.	PUNCT
fsr-3413	278	1	though	though	SCONJ
fsr-3413	278	2	various	various	ADJ
fsr-3413	278	3	combinations	combination	NOUN
fsr-3413	278	4	of	of	ADP
fsr-3413	278	5	“	"	PUNCT
fsr-3413	278	6	adulting	adulting	NOUN
fsr-3413	278	7	”	"	PUNCT
fsr-3413	278	8	(	(	PUNCT
fsr-3413	278	9	spending	spend	VERB
fsr-3413	278	10	on	on	ADP
fsr-3413	278	11	adult	adult	NOUN
fsr-3413	278	12	causes	cause	NOUN
fsr-3413	278	13	)	)	PUNCT
fsr-3413	278	14	were	be	AUX
fsr-3413	278	15	used	use	VERB
fsr-3413	278	16	,	,	PUNCT
fsr-3413	278	17	we	we	PRON
fsr-3413	278	18	were	be	AUX
fsr-3413	278	19	unable	unable	ADJ
fsr-3413	278	20	to	to	PART
fsr-3413	278	21	show	show	VERB
fsr-3413	278	22	that	that	SCONJ
fsr-3413	278	23	more	more	ADJ
fsr-3413	278	24	adult	adult	NOUN
fsr-3413	278	25	sources	source	NOUN
fsr-3413	278	26	of	of	ADP
fsr-3413	278	27	income	income	NOUN
fsr-3413	278	28	are	be	AUX
fsr-3413	278	29	spent	spend	VERB
fsr-3413	278	30	on	on	ADP
fsr-3413	278	31	adult	adult	NOUN
fsr-3413	278	32	spending	spending	NOUN
fsr-3413	278	33	like	like	ADP
fsr-3413	278	34	paying	pay	VERB
fsr-3413	278	35	down	down	ADP
fsr-3413	278	36	a	a	DET
fsr-3413	278	37	credit	credit	NOUN
fsr-3413	278	38	card	card	NOUN
fsr-3413	278	39	or	or	CCONJ
fsr-3413	278	40	paying	pay	VERB
fsr-3413	278	41	regular	regular	ADJ
fsr-3413	278	42	household	household	NOUN
fsr-3413	278	43	expenses	expense	NOUN
fsr-3413	278	44	.	.	PUNCT
fsr-3413	279	1	however	however	ADV
fsr-3413	279	2	,	,	PUNCT
fsr-3413	279	3	there	there	PRON
fsr-3413	279	4	is	be	VERB
fsr-3413	279	5	significant	significant	ADJ
fsr-3413	279	6	evidence	evidence	NOUN
fsr-3413	279	7	that	that	SCONJ
fsr-3413	279	8	there	there	PRON
fsr-3413	279	9	is	be	VERB
fsr-3413	279	10	a	a	DET
fsr-3413	279	11	difference	difference	NOUN
fsr-3413	279	12	in	in	ADP
fsr-3413	279	13	investing	investing	NOUN
fsr-3413	279	14	based	base	VERB
fsr-3413	279	15	on	on	ADP
fsr-3413	279	16	the	the	DET
fsr-3413	279	17	source	source	NOUN
fsr-3413	279	18	of	of	ADP
fsr-3413	279	19	the	the	DET
fsr-3413	279	20	windfall	windfall	NOUN
fsr-3413	279	21	,	,	PUNCT
fsr-3413	279	22	validating	validate	VERB
fsr-3413	279	23	a	a	DET
fsr-3413	279	24	specific	specific	ADJ
fsr-3413	279	25	kind	kind	NOUN
fsr-3413	279	26	of	of	ADP
fsr-3413	279	27	adulting	adulting	NOUN
fsr-3413	279	28	.	.	PUNCT
fsr-3413	280	1	finally	finally	ADV
fsr-3413	280	2	,	,	PUNCT
fsr-3413	280	3	the	the	DET
fsr-3413	280	4	percentage	percentage	NOUN
fsr-3413	280	5	of	of	ADP
fsr-3413	280	6	the	the	DET
fsr-3413	280	7	windfall	windfall	NOUN
fsr-3413	280	8	spent	spend	VERB
fsr-3413	280	9	on	on	ADP
fsr-3413	280	10	fun	fun	ADJ
fsr-3413	280	11	levels	level	NOUN
fsr-3413	280	12	out	out	ADP
fsr-3413	280	13	.	.	PUNCT
fsr-3413	281	1	people	people	NOUN
fsr-3413	281	2	will	will	AUX
fsr-3413	281	3	apparently	apparently	ADV
fsr-3413	281	4	spend	spend	VERB
fsr-3413	281	5	significantly	significantly	ADV
fsr-3413	281	6	more	more	ADV
fsr-3413	281	7	on	on	ADP
fsr-3413	281	8	fun	fun	NOUN
fsr-3413	281	9	when	when	SCONJ
fsr-3413	281	10	a	a	DET
fsr-3413	281	11	fun	fun	ADJ
fsr-3413	281	12	windfall	windfall	NOUN
fsr-3413	281	13	is	be	AUX
fsr-3413	281	14	received	receive	VERB
fsr-3413	281	15	,	,	PUNCT
fsr-3413	281	16	but	but	CCONJ
fsr-3413	281	17	that	that	SCONJ
fsr-3413	281	18	spending	spending	NOUN
fsr-3413	281	19	on	on	ADP
fsr-3413	281	20	fun	fun	NOUN
fsr-3413	281	21	is	be	AUX
fsr-3413	281	22	not	not	PART
fsr-3413	281	23	limitless	limitless	ADJ
fsr-3413	281	24	.	.	PUNCT
fsr-3413	282	1	additionally	additionally	ADV
fsr-3413	282	2	,	,	PUNCT
fsr-3413	282	3	as	as	SCONJ
fsr-3413	282	4	the	the	DET
fsr-3413	282	5	amount	amount	NOUN
fsr-3413	282	6	of	of	ADP
fsr-3413	282	7	the	the	DET
fsr-3413	282	8	total	total	ADJ
fsr-3413	282	9	payment	payment	NOUN
fsr-3413	282	10	increased	increase	VERB
fsr-3413	282	11	,	,	PUNCT
fsr-3413	282	12	the	the	DET
fsr-3413	282	13	percentage	percentage	NOUN
fsr-3413	282	14	spent	spend	VERB
fsr-3413	282	15	on	on	ADP
fsr-3413	282	16	fun	fun	NOUN
fsr-3413	282	17	appears	appear	VERB
fsr-3413	282	18	to	to	PART
fsr-3413	282	19	level	level	VERB
fsr-3413	282	20	,	,	PUNCT
fsr-3413	282	21	indicating	indicate	VERB
fsr-3413	282	22	that	that	SCONJ
fsr-3413	282	23	at	at	ADP
fsr-3413	282	24	least	least	ADJ
fsr-3413	282	25	within	within	ADP
fsr-3413	282	26	this	this	DET
fsr-3413	282	27	range	range	NOUN
fsr-3413	282	28	of	of	ADP
fsr-3413	282	29	payments	payment	NOUN
fsr-3413	282	30	,	,	PUNCT
fsr-3413	282	31	there	there	PRON
fsr-3413	282	32	may	may	AUX
fsr-3413	282	33	be	be	AUX
fsr-3413	282	34	such	such	DET
fsr-3413	282	35	a	a	DET
fsr-3413	282	36	thing	thing	NOUN
fsr-3413	282	37	as	as	ADP
fsr-3413	282	38	“	"	PUNCT
fsr-3413	282	39	enough	enough	ADJ
fsr-3413	282	40	(	(	PUNCT
fsr-3413	282	41	spending	spend	VERB
fsr-3413	282	42	on	on	ADP
fsr-3413	282	43	)	)	PUNCT
fsr-3413	282	44	fun	fun	NOUN
fsr-3413	282	45	.	.	PUNCT
fsr-3413	282	46	”	"	PUNCT
fsr-3413	283	1	30	30	NUM
fsr-3413	283	2	e.	e.	PROPN
fsr-3413	283	3	bland	bland	PROPN
fsr-3413	283	4	,	,	PUNCT
fsr-3413	283	5	v.	v.	ADP
fsr-3413	283	6	chambers	chambers	PROPN
fsr-3413	283	7	/	/	SYM
fsr-3413	283	8	financial	financial	ADJ
fsr-3413	283	9	services	service	NOUN
fsr-3413	283	10	review	review	VERB
fsr-3413	283	11	28	28	NUM
fsr-3413	283	12	(	(	PUNCT
fsr-3413	283	13	2020	2020	NUM
fsr-3413	283	14	)	)	PUNCT
fsr-3413	283	15	17	17	NUM
fsr-3413	283	16	-	-	SYM
fsr-3413	283	17	34	34	NUM
fsr-3413	283	18	acknowledgment	acknowledgment	NOUN
fsr-3413	283	19	the	the	DET
fsr-3413	283	20	authors	author	NOUN
fsr-3413	283	21	wish	wish	VERB
fsr-3413	283	22	to	to	PART
fsr-3413	283	23	acknowledge	acknowledge	VERB
fsr-3413	283	24	and	and	CCONJ
fsr-3413	283	25	thank	thank	VERB
fsr-3413	283	26	stetson	stetson	PROPN
fsr-3413	283	27	university	university	PROPN
fsr-3413	283	28	for	for	ADP
fsr-3413	283	29	supporting	support	VERB
fsr-3413	283	30	eugene	eugene	PROPN
fsr-3413	283	31	bland	bland	PROPN
fsr-3413	283	32	’s	’s	PART
fsr-3413	283	33	development	development	NOUN
fsr-3413	283	34	leave	leave	NOUN
fsr-3413	283	35	.	.	PUNCT
fsr-3413	284	1	appendix	appendix	VERB
fsr-3413	284	2	sample	sample	NOUN
fsr-3413	284	3	survey	survey	NOUN
fsr-3413	284	4	instrument	instrument	NOUN
fsr-3413	284	5	“	"	PUNCT
fsr-3413	284	6	what	what	PRON
fsr-3413	284	7	would	would	AUX
fsr-3413	284	8	you	you	PRON
fsr-3413	284	9	do	do	VERB
fsr-3413	284	10	if	if	PRON
fsr-3413	284	11	.	.	PUNCT
fsr-3413	284	12	.	.	PUNCT
fsr-3413	284	13	.	.	PUNCT
fsr-3413	284	14	?	?	PUNCT
fsr-3413	284	15	”	"	PUNCT
fsr-3413	285	1	(	(	PUNCT
fsr-3413	285	2	fill	fill	VERB
fsr-3413	285	3	in	in	ADP
fsr-3413	285	4	the	the	DET
fsr-3413	285	5	amounts	amount	NOUN
fsr-3413	285	6	):	):	PUNCT
fsr-3413	285	7	by	by	ADP
fsr-3413	285	8	participating	participate	VERB
fsr-3413	285	9	in	in	ADP
fsr-3413	285	10	a	a	DET
fsr-3413	285	11	game	game	NOUN
fsr-3413	285	12	show	show	NOUN
fsr-3413	285	13	,	,	PUNCT
fsr-3413	285	14	you	you	PRON
fsr-3413	285	15	won	win	VERB
fsr-3413	285	16	a	a	DET
fsr-3413	285	17	prize	prize	NOUN
fsr-3413	285	18	that	that	PRON
fsr-3413	285	19	would	would	AUX
fsr-3413	285	20	result	result	VERB
fsr-3413	285	21	in	in	ADP
fsr-3413	285	22	you	you	PRON
fsr-3413	285	23	receiving	receive	VERB
fsr-3413	285	24	$	$	SYM
fsr-3413	285	25	600.00	600.00	NUM
fsr-3413	285	26	for	for	ADP
fsr-3413	285	27	2012	2012	NUM
fsr-3413	285	28	.	.	PUNCT
fsr-3413	286	1	if	if	SCONJ
fsr-3413	286	2	received	receive	VERB
fsr-3413	286	3	,	,	PUNCT
fsr-3413	286	4	how	how	SCONJ
fsr-3413	286	5	much	much	ADJ
fsr-3413	286	6	of	of	ADP
fsr-3413	286	7	these	these	DET
fsr-3413	286	8	winnings	winning	NOUN
fsr-3413	286	9	would	would	AUX
fsr-3413	286	10	you	you	PRON
fsr-3413	286	11	plan	plan	VERB
fsr-3413	286	12	to	to	PART
fsr-3413	286	13	:	:	PUNCT
fsr-3413	286	14	1	1	X
fsr-3413	286	15	.	.	X
fsr-3413	286	16	invest	invest	VERB
fsr-3413	286	17	(	(	PUNCT
fsr-3413	286	18	in	in	ADP
fsr-3413	286	19	stocks	stock	NOUN
fsr-3413	286	20	,	,	PUNCT
fsr-3413	286	21	bonds	bond	NOUN
fsr-3413	286	22	,	,	PUNCT
fsr-3413	286	23	savings	saving	NOUN
fsr-3413	286	24	account	account	NOUN
fsr-3413	286	25	,	,	PUNCT
fsr-3413	286	26	and	and	CCONJ
fsr-3413	286	27	so	so	ADV
fsr-3413	286	28	forth	forth	ADV
fsr-3413	286	29	)	)	PUNCT
fsr-3413	286	30	?	?	PUNCT
fsr-3413	287	1	$	$	SYM
fsr-3413	287	2	2	2	NUM
fsr-3413	287	3	.	.	PUNCT
fsr-3413	287	4	use	use	NOUN
fsr-3413	287	5	to	to	PART
fsr-3413	287	6	pay	pay	VERB
fsr-3413	287	7	off	off	ADP
fsr-3413	287	8	credit	credit	NOUN
fsr-3413	287	9	card	card	NOUN
fsr-3413	287	10	debt	debt	NOUN
fsr-3413	287	11	?	?	PUNCT
fsr-3413	288	1	$	$	SYM
fsr-3413	288	2	3	3	NUM
fsr-3413	288	3	.	.	PUNCT
fsr-3413	288	4	use	use	NOUN
fsr-3413	288	5	to	to	PART
fsr-3413	288	6	pay	pay	VERB
fsr-3413	288	7	off	off	ADP
fsr-3413	288	8	notes	note	NOUN
fsr-3413	288	9	(	(	PUNCT
fsr-3413	288	10	such	such	ADJ
fsr-3413	288	11	as	as	ADP
fsr-3413	288	12	mortgage	mortgage	NOUN
fsr-3413	288	13	,	,	PUNCT
fsr-3413	288	14	car	car	NOUN
fsr-3413	288	15	note	note	NOUN
fsr-3413	288	16	,	,	PUNCT
fsr-3413	288	17	and	and	CCONJ
fsr-3413	288	18	so	so	ADV
fsr-3413	288	19	forth	forth	ADV
fsr-3413	288	20	)	)	PUNCT
fsr-3413	288	21	?	?	PUNCT
fsr-3413	289	1	$	$	SYM
fsr-3413	289	2	4	4	NUM
fsr-3413	289	3	.	.	PUNCT
fsr-3413	289	4	use	use	VERB
fsr-3413	289	5	up	up	ADP
fsr-3413	289	6	about	about	ADV
fsr-3413	289	7	evenly	evenly	ADV
fsr-3413	289	8	every	every	DET
fsr-3413	289	9	month	month	NOUN
fsr-3413	289	10	for	for	ADP
fsr-3413	289	11	expenses	expense	NOUN
fsr-3413	289	12	?	?	PUNCT
fsr-3413	290	1	_	_	PUNCT
fsr-3413	291	1	_	_	PUNCT
fsr-3413	292	1	_	_	PUNCT
fsr-3413	293	1	_	_	PUNCT
fsr-3413	294	1	_	_	PUNCT
fsr-3413	295	1	_	_	PUNCT
fsr-3413	295	2	/month	/month	NOUN
fsr-3413	295	3	.	.	PUNCT
fsr-3413	296	1	�	�	PROPN
fsr-3413	296	2	12	12	NUM
fsr-3413	296	3	months	month	NOUN
fsr-3413	296	4	.	.	PUNCT
fsr-3413	297	1	�	�	PROPN
fsr-3413	297	2	$	$	SYM
fsr-3413	297	3	5	5	NUM
fsr-3413	297	4	.	.	PUNCT
fsr-3413	298	1	use	use	NOUN
fsr-3413	298	2	to	to	PART
fsr-3413	298	3	buy	buy	VERB
fsr-3413	298	4	a	a	DET
fsr-3413	298	5	durable	durable	ADJ
fsr-3413	298	6	asset	asset	NOUN
fsr-3413	298	7	(	(	PUNCT
fsr-3413	298	8	such	such	ADJ
fsr-3413	298	9	as	as	ADP
fsr-3413	298	10	car	car	NOUN
fsr-3413	298	11	,	,	PUNCT
fsr-3413	298	12	boat	boat	NOUN
fsr-3413	298	13	,	,	PUNCT
fsr-3413	298	14	washing	washing	NOUN
fsr-3413	298	15	machine	machine	NOUN
fsr-3413	298	16	,	,	PUNCT
fsr-3413	298	17	furniture	furniture	NOUN
fsr-3413	298	18	)	)	PUNCT
fsr-3413	298	19	?	?	PUNCT
fsr-3413	299	1	$	$	SYM
fsr-3413	299	2	6	6	NUM
fsr-3413	299	3	.	.	PUNCT
fsr-3413	299	4	use	use	NOUN
fsr-3413	299	5	to	to	PART
fsr-3413	299	6	save	save	VERB
fsr-3413	299	7	for	for	ADP
fsr-3413	299	8	an	an	DET
fsr-3413	299	9	infrequent	infrequent	ADJ
fsr-3413	299	10	expense	expense	NOUN
fsr-3413	299	11	(	(	PUNCT
fsr-3413	299	12	such	such	ADJ
fsr-3413	299	13	as	as	ADP
fsr-3413	299	14	a	a	DET
fsr-3413	299	15	vacation	vacation	NOUN
fsr-3413	299	16	,	,	PUNCT
fsr-3413	299	17	bigger	big	ADJ
fsr-3413	299	18	holiday	holiday	NOUN
fsr-3413	299	19	gifts	gift	NOUN
fsr-3413	299	20	,	,	PUNCT
fsr-3413	299	21	or	or	CCONJ
fsr-3413	299	22	something	something	PRON
fsr-3413	299	23	you	you	PRON
fsr-3413	299	24	’ve	’ve	AUX
fsr-3413	299	25	been	be	AUX
fsr-3413	299	26	wanting	want	VERB
fsr-3413	299	27	)	)	PUNCT
fsr-3413	299	28	?	?	PUNCT
fsr-3413	300	1	$	$	SYM
fsr-3413	300	2	7	7	NUM
fsr-3413	300	3	.	.	PUNCT
fsr-3413	300	4	spend	spend	VERB
fsr-3413	300	5	right	right	ADV
fsr-3413	300	6	away	away	ADV
fsr-3413	300	7	on	on	ADP
fsr-3413	300	8	something	something	PRON
fsr-3413	300	9	fun	fun	ADJ
fsr-3413	300	10	?	?	PUNCT
fsr-3413	301	1	$	$	SYM
fsr-3413	301	2	amount	amount	NOUN
fsr-3413	301	3	must	must	AUX
fsr-3413	301	4	total	total	VERB
fsr-3413	301	5	$	$	SYM
fsr-3413	301	6	600.00————-3	600.00————-3	NUM
fsr-3413	301	7	if	if	SCONJ
fsr-3413	301	8	instead	instead	ADV
fsr-3413	301	9	,	,	PUNCT
fsr-3413	301	10	by	by	ADP
fsr-3413	301	11	participating	participate	VERB
fsr-3413	301	12	in	in	ADP
fsr-3413	301	13	a	a	DET
fsr-3413	301	14	game	game	NOUN
fsr-3413	301	15	show	show	NOUN
fsr-3413	301	16	,	,	PUNCT
fsr-3413	301	17	you	you	PRON
fsr-3413	301	18	won	win	VERB
fsr-3413	301	19	a	a	DET
fsr-3413	301	20	prize	prize	NOUN
fsr-3413	301	21	that	that	PRON
fsr-3413	301	22	would	would	AUX
fsr-3413	301	23	result	result	VERB
fsr-3413	301	24	in	in	ADP
fsr-3413	301	25	you	you	PRON
fsr-3413	301	26	receiving	receive	VERB
fsr-3413	301	27	$	$	SYM
fsr-3413	301	28	50.00	50.00	NUM
fsr-3413	301	29	/	/	SYM
fsr-3413	301	30	month	month	NOUN
fsr-3413	301	31	for	for	ADP
fsr-3413	301	32	the	the	DET
fsr-3413	301	33	next	next	ADJ
fsr-3413	301	34	12	12	NUM
fsr-3413	301	35	months	month	NOUN
fsr-3413	301	36	.	.	PUNCT
fsr-3413	302	1	if	if	SCONJ
fsr-3413	302	2	received	receive	VERB
fsr-3413	302	3	,	,	PUNCT
fsr-3413	302	4	how	how	SCONJ
fsr-3413	302	5	much	much	ADJ
fsr-3413	302	6	of	of	ADP
fsr-3413	302	7	this	this	DET
fsr-3413	302	8	monthly	monthly	ADJ
fsr-3413	302	9	increase	increase	NOUN
fsr-3413	302	10	would	would	AUX
fsr-3413	302	11	you	you	PRON
fsr-3413	302	12	plan	plan	VERB
fsr-3413	302	13	to	to	PART
fsr-3413	302	14	:	:	PUNCT
fsr-3413	302	15	8	8	X
fsr-3413	302	16	.	.	X
fsr-3413	303	1	invest	invest	VERB
fsr-3413	303	2	(	(	PUNCT
fsr-3413	303	3	in	in	ADP
fsr-3413	303	4	stocks	stock	NOUN
fsr-3413	303	5	,	,	PUNCT
fsr-3413	303	6	bonds	bond	NOUN
fsr-3413	303	7	,	,	PUNCT
fsr-3413	303	8	savings	saving	NOUN
fsr-3413	303	9	account	account	NOUN
fsr-3413	303	10	,	,	PUNCT
fsr-3413	303	11	and	and	CCONJ
fsr-3413	303	12	so	so	ADV
fsr-3413	303	13	forth	forth	ADV
fsr-3413	303	14	)	)	PUNCT
fsr-3413	303	15	?	?	PUNCT
fsr-3413	304	1	$	$	SYM
fsr-3413	304	2	9	9	NUM
fsr-3413	304	3	.	.	PUNCT
fsr-3413	304	4	use	use	NOUN
fsr-3413	304	5	to	to	PART
fsr-3413	304	6	pay	pay	VERB
fsr-3413	304	7	off	off	ADP
fsr-3413	304	8	credit	credit	NOUN
fsr-3413	304	9	card	card	NOUN
fsr-3413	304	10	debt	debt	NOUN
fsr-3413	304	11	?	?	PUNCT
fsr-3413	304	12	$	$	SYM
fsr-3413	304	13	10	10	NUM
fsr-3413	304	14	.	.	PUNCT
fsr-3413	305	1	use	use	NOUN
fsr-3413	305	2	to	to	PART
fsr-3413	305	3	pay	pay	VERB
fsr-3413	305	4	off	off	ADP
fsr-3413	305	5	notes	note	NOUN
fsr-3413	305	6	(	(	PUNCT
fsr-3413	305	7	such	such	ADJ
fsr-3413	305	8	as	as	ADP
fsr-3413	305	9	mortgage	mortgage	NOUN
fsr-3413	305	10	,	,	PUNCT
fsr-3413	305	11	car	car	NOUN
fsr-3413	305	12	note	note	NOUN
fsr-3413	305	13	,	,	PUNCT
fsr-3413	305	14	and	and	CCONJ
fsr-3413	305	15	so	so	ADV
fsr-3413	305	16	forth	forth	ADV
fsr-3413	305	17	)	)	PUNCT
fsr-3413	305	18	?	?	PUNCT
fsr-3413	306	1	$	$	SYM
fsr-3413	306	2	11	11	NUM
fsr-3413	306	3	.	.	PUNCT
fsr-3413	307	1	use	use	VERB
fsr-3413	307	2	up	up	ADP
fsr-3413	307	3	for	for	ADP
fsr-3413	307	4	regular	regular	ADJ
fsr-3413	307	5	monthly	monthly	ADJ
fsr-3413	307	6	expenses	expense	NOUN
fsr-3413	307	7	?	?	PUNCT
fsr-3413	308	1	$	$	SYM
fsr-3413	308	2	12	12	NUM
fsr-3413	308	3	.	.	PUNCT
fsr-3413	309	1	use	use	NOUN
fsr-3413	309	2	to	to	PART
fsr-3413	309	3	buy	buy	VERB
fsr-3413	309	4	a	a	DET
fsr-3413	309	5	durable	durable	ADJ
fsr-3413	309	6	asset	asset	NOUN
fsr-3413	309	7	(	(	PUNCT
fsr-3413	309	8	such	such	ADJ
fsr-3413	309	9	as	as	ADP
fsr-3413	309	10	car	car	NOUN
fsr-3413	309	11	,	,	PUNCT
fsr-3413	309	12	boat	boat	NOUN
fsr-3413	309	13	,	,	PUNCT
fsr-3413	309	14	washing	washing	NOUN
fsr-3413	309	15	machine	machine	NOUN
fsr-3413	309	16	,	,	PUNCT
fsr-3413	309	17	furniture	furniture	NOUN
fsr-3413	309	18	)	)	PUNCT
fsr-3413	309	19	?	?	PUNCT
fsr-3413	310	1	$	$	SYM
fsr-3413	310	2	13	13	NUM
fsr-3413	310	3	.	.	PUNCT
fsr-3413	310	4	use	use	NOUN
fsr-3413	310	5	to	to	PART
fsr-3413	310	6	save	save	VERB
fsr-3413	310	7	for	for	ADP
fsr-3413	310	8	an	an	DET
fsr-3413	310	9	infrequent	infrequent	ADJ
fsr-3413	310	10	yearly	yearly	ADJ
fsr-3413	310	11	expense	expense	NOUN
fsr-3413	310	12	(	(	PUNCT
fsr-3413	310	13	such	such	ADJ
fsr-3413	310	14	as	as	ADP
fsr-3413	310	15	a	a	DET
fsr-3413	310	16	vacation	vacation	NOUN
fsr-3413	310	17	,	,	PUNCT
fsr-3413	310	18	bigger	big	ADJ
fsr-3413	310	19	holiday	holiday	NOUN
fsr-3413	310	20	gifts	gift	NOUN
fsr-3413	310	21	,	,	PUNCT
fsr-3413	310	22	and/or	and/or	CCONJ
fsr-3413	310	23	something	something	PRON
fsr-3413	310	24	you	you	PRON
fsr-3413	310	25	’ve	’ve	AUX
fsr-3413	310	26	been	be	AUX
fsr-3413	310	27	wanting	want	VERB
fsr-3413	310	28	)	)	PUNCT
fsr-3413	310	29	?	?	PUNCT
fsr-3413	311	1	$	$	SYM
fsr-3413	311	2	14	14	NUM
fsr-3413	311	3	.	.	PUNCT
fsr-3413	311	4	spend	spend	VERB
fsr-3413	311	5	right	right	ADV
fsr-3413	311	6	away	away	ADV
fsr-3413	311	7	on	on	ADP
fsr-3413	311	8	something	something	PRON
fsr-3413	311	9	fun	fun	ADJ
fsr-3413	311	10	?	?	PUNCT
fsr-3413	312	1	$	$	SYM
fsr-3413	312	2	amount	amount	NOUN
fsr-3413	312	3	must	must	AUX
fsr-3413	312	4	total	total	VERB
fsr-3413	312	5	$	$	SYM
fsr-3413	312	6	50.00————-3	50.00————-3	NUM
fsr-3413	312	7	please	please	INTJ
fsr-3413	312	8	list	list	VERB
fsr-3413	312	9	your	your	PRON
fsr-3413	312	10	:	:	PUNCT
fsr-3413	312	11	zip	zip	NOUN
fsr-3413	312	12	code	code	NOUN
fsr-3413	312	13	_	_	PUNCT
fsr-3413	313	1	_	_	PUNCT
fsr-3413	314	1	_	_	PUNCT
fsr-3413	315	1	_	_	PUNCT
fsr-3413	316	1	_	_	PUNCT
fsr-3413	317	1	_	_	PUNCT
fsr-3413	318	1	_	_	PUNCT
fsr-3413	319	1	_	_	PUNCT
fsr-3413	319	2	years	year	NOUN
fsr-3413	319	3	of	of	ADP
fsr-3413	319	4	work	work	NOUN
fsr-3413	319	5	experience	experience	NOUN
fsr-3413	319	6	_	_	PUNCT
fsr-3413	320	1	_	_	PUNCT
fsr-3413	321	1	_	_	PUNCT
fsr-3413	321	2	_	_	PUNCT
fsr-3413	322	1	highest	high	ADJ
fsr-3413	322	2	education	education	NOUN
fsr-3413	322	3	level	level	NOUN
fsr-3413	322	4	:	:	PUNCT
fsr-3413	322	5	high	high	ADJ
fsr-3413	322	6	school	school	NOUN
fsr-3413	322	7	_	_	PUNCT
fsr-3413	323	1	_	_	PUNCT
fsr-3413	323	2	_	_	PUNCT
fsr-3413	324	1	associate	associate	ADJ
fsr-3413	324	2	degree	degree	NOUN
fsr-3413	324	3	_	_	PUNCT
fsr-3413	325	1	_	_	PUNCT
fsr-3413	325	2	_	_	PUNCT
fsr-3413	326	1	undergraduate	undergraduate	VERB
fsr-3413	326	2	_	_	PUNCT
fsr-3413	327	1	_	_	PUNCT
fsr-3413	327	2	_	_	PUNCT
fsr-3413	327	3	graduate	graduate	ADJ
fsr-3413	327	4	or	or	CCONJ
fsr-3413	327	5	above	above	ADP
fsr-3413	327	6	_	_	PUNCT
fsr-3413	327	7	_	_	PUNCT
fsr-3413	328	1	_	_	PUNCT
fsr-3413	328	2	occupation	occupation	NOUN
fsr-3413	328	3	:	:	PUNCT
fsr-3413	329	1	_	_	PUNCT
fsr-3413	330	1	_	_	PUNCT
fsr-3413	331	1	_	_	PUNCT
fsr-3413	332	1	_	_	PUNCT
fsr-3413	333	1	_	_	PUNCT
fsr-3413	334	1	_	_	PUNCT
fsr-3413	335	1	_	_	PUNCT
fsr-3413	336	1	_	_	PUNCT
fsr-3413	337	1	_	_	PUNCT
fsr-3413	338	1	_	_	PUNCT
fsr-3413	339	1	_	_	PUNCT
fsr-3413	340	1	_	_	PUNCT
fsr-3413	341	1	_	_	PUNCT
fsr-3413	342	1	_	_	PUNCT
fsr-3413	343	1	_	_	PUNCT
fsr-3413	344	1	_	_	PUNCT
fsr-3413	345	1	_	_	PUNCT
fsr-3413	346	1	_	_	PRON
fsr-3413	347	1	gender	gender	NOUN
fsr-3413	347	2	:	:	PUNCT
fsr-3413	347	3	female	female	NOUN
fsr-3413	347	4	_	_	PUNCT
fsr-3413	348	1	_	_	PUNCT
fsr-3413	348	2	_	_	PUNCT
fsr-3413	349	1	male	male	ADJ
fsr-3413	350	1	_	_	PUNCT
fsr-3413	351	1	_	_	PUNCT
fsr-3413	351	2	_	_	PUNCT
fsr-3413	352	1	age	age	NOUN
fsr-3413	352	2	_	_	PUNCT
fsr-3413	353	1	_	_	PUNCT
fsr-3413	354	1	_	_	PUNCT
fsr-3413	354	2	_	_	PUNCT
fsr-3413	355	1	race	race	NOUN
fsr-3413	355	2	/	/	SYM
fsr-3413	355	3	ethnicity	ethnicity	NOUN
fsr-3413	355	4	_	_	PUNCT
fsr-3413	356	1	_	_	PUNCT
fsr-3413	357	1	_	_	PUNCT
fsr-3413	358	1	_	_	PUNCT
fsr-3413	359	1	_	_	PUNCT
fsr-3413	360	1	_	_	PUNCT
fsr-3413	361	1	_	_	PUNCT
fsr-3413	362	1	_	_	PUNCT
fsr-3413	363	1	_	_	PUNCT
fsr-3413	364	1	_	_	PUNCT
fsr-3413	365	1	_	_	PUNCT
fsr-3413	366	1	_	_	PUNCT
fsr-3413	367	1	_	_	PUNCT
fsr-3413	368	1	_	_	PUNCT
fsr-3413	369	1	_	_	PUNCT
fsr-3413	370	1	_	_	PUNCT
fsr-3413	371	1	_	_	PUNCT
fsr-3413	372	1	_	_	PUNCT
fsr-3413	373	1	_	_	PUNCT
fsr-3413	374	1	#	#	NOUN
fsr-3413	374	2	of	of	ADP
fsr-3413	374	3	college	college	NOUN
fsr-3413	374	4	-	-	PUNCT
fsr-3413	374	5	level	level	NOUN
fsr-3413	374	6	accounting	accounting	NOUN
fsr-3413	374	7	classes	class	NOUN
fsr-3413	374	8	completed	complete	VERB
fsr-3413	374	9	college	college	NOUN
fsr-3413	374	10	major	major	NOUN
fsr-3413	374	11	(	(	PUNCT
fsr-3413	374	12	if	if	SCONJ
fsr-3413	374	13	applicable	applicable	ADJ
fsr-3413	374	14	)	)	PUNCT
fsr-3413	375	1	_	_	PUNCT
fsr-3413	376	1	_	_	PUNCT
fsr-3413	377	1	_	_	PUNCT
fsr-3413	378	1	_	_	PUNCT
fsr-3413	379	1	_	_	PUNCT
fsr-3413	380	1	_	_	PUNCT
fsr-3413	381	1	_	_	PUNCT
fsr-3413	382	1	_	_	PUNCT
fsr-3413	383	1	_	_	PUNCT
fsr-3413	384	1	_	_	PUNCT
fsr-3413	385	1	_	_	PUNCT
fsr-3413	386	1	_	_	PUNCT
fsr-3413	387	1	_	_	PUNCT
fsr-3413	388	1	_	_	PUNCT
fsr-3413	389	1	_	_	PUNCT
fsr-3413	390	1	_	_	PUNCT
fsr-3413	391	1	_	_	PUNCT
fsr-3413	392	1	_	_	PUNCT
fsr-3413	392	2	industry	industry	NOUN
fsr-3413	392	3	where	where	SCONJ
fsr-3413	392	4	you	you	PRON
fsr-3413	392	5	work	work	VERB
fsr-3413	392	6	_	_	PUNCT
fsr-3413	393	1	_	_	PUNCT
fsr-3413	394	1	_	_	PUNCT
fsr-3413	395	1	_	_	PUNCT
fsr-3413	396	1	_	_	PUNCT
fsr-3413	397	1	_	_	PUNCT
fsr-3413	398	1	_	_	PUNCT
fsr-3413	399	1	_	_	PUNCT
fsr-3413	400	1	_	_	PUNCT
fsr-3413	401	1	_	_	PUNCT
fsr-3413	402	1	_	_	PUNCT
fsr-3413	403	1	_	_	PUNCT
fsr-3413	404	1	_	_	PUNCT
fsr-3413	405	1	_	_	PUNCT
fsr-3413	406	1	_	_	PUNCT
fsr-3413	407	1	_	_	PUNCT
fsr-3413	408	1	_	_	PUNCT
fsr-3413	409	1	_	_	PUNCT
fsr-3413	410	1	_	_	PUNCT
fsr-3413	411	1	_	_	PUNCT
fsr-3413	412	1	_	_	PUNCT
fsr-3413	413	1	_	_	PUNCT
fsr-3413	414	1	_	_	PUNCT
fsr-3413	415	1	_	_	PUNCT
fsr-3413	416	1	_	_	PUNCT
fsr-3413	417	1	_	_	PUNCT
fsr-3413	418	1	_	_	PUNCT
fsr-3413	419	1	_	_	PUNCT
fsr-3413	420	1	_	_	PUNCT
fsr-3413	421	1	_	_	PUNCT
fsr-3413	422	1	approx	approx	PROPN
fsr-3413	422	2	.	.	PUNCT
fsr-3413	423	1	yearly	yearly	ADJ
fsr-3413	423	2	household	household	NOUN
fsr-3413	423	3	income	income	NOUN
fsr-3413	423	4	(	(	PUNCT
fsr-3413	423	5	from	from	ADP
fsr-3413	423	6	all	all	DET
fsr-3413	423	7	wage	wage	NOUN
fsr-3413	423	8	and	and	CCONJ
fsr-3413	423	9	salary	salary	NOUN
fsr-3413	423	10	earners	earner	NOUN
fsr-3413	423	11	and	and	CCONJ
fsr-3413	423	12	other	other	ADJ
fsr-3413	423	13	sources	source	NOUN
fsr-3413	423	14	of	of	ADP
fsr-3413	423	15	income	income	NOUN
fsr-3413	423	16	)	)	PUNCT
fsr-3413	423	17	$	$	SYM
fsr-3413	423	18	_	_	PUNCT
fsr-3413	424	1	_	_	PUNCT
fsr-3413	425	1	_	_	PUNCT
fsr-3413	426	1	_	_	PUNCT
fsr-3413	427	1	_	_	PUNCT
fsr-3413	428	1	_	_	PUNCT
fsr-3413	429	1	_	_	PUNCT
fsr-3413	430	1	_	_	PUNCT
fsr-3413	431	1	_	_	PUNCT
fsr-3413	432	1	_	_	PUNCT
fsr-3413	433	1	_	_	PUNCT
fsr-3413	434	1	_	_	PUNCT
fsr-3413	435	1	_	_	PUNCT
fsr-3413	436	1	_	_	PUNCT
fsr-3413	437	1	_	_	PUNCT
fsr-3413	438	1	_	_	PUNCT
fsr-3413	439	1	_	_	PUNCT
fsr-3413	440	1	_	_	PRON
fsr-3413	440	2	credit	credit	NOUN
fsr-3413	440	3	card	card	NOUN
fsr-3413	440	4	debt	debt	NOUN
fsr-3413	440	5	:	:	PUNCT
fsr-3413	441	1	$	$	SYM
fsr-3413	441	2	_	_	PUNCT
fsr-3413	442	1	_	_	PUNCT
fsr-3413	443	1	_	_	PUNCT
fsr-3413	444	1	_	_	PUNCT
fsr-3413	445	1	_	_	PUNCT
fsr-3413	446	1	_	_	PUNCT
fsr-3413	447	1	_	_	PUNCT
fsr-3413	448	1	_	_	PUNCT
fsr-3413	449	1	_	_	PUNCT
fsr-3413	450	1	_	_	PUNCT
fsr-3413	451	1	_	_	PUNCT
fsr-3413	452	1	_	_	PUNCT
fsr-3413	453	1	_	_	PUNCT
fsr-3413	454	1	_	_	PUNCT
fsr-3413	454	2	_	_	PUNCT
fsr-3413	455	1	other	other	ADJ
fsr-3413	455	2	debt	debt	NOUN
fsr-3413	455	3	:	:	PUNCT
fsr-3413	455	4	$	$	SYM
fsr-3413	455	5	_	_	PUNCT
fsr-3413	455	6	_	_	PUNCT
fsr-3413	456	1	_	_	PUNCT
fsr-3413	457	1	_	_	PUNCT
fsr-3413	458	1	_	_	PUNCT
fsr-3413	459	1	_	_	PUNCT
fsr-3413	460	1	_	_	PUNCT
fsr-3413	461	1	_	_	PUNCT
fsr-3413	462	1	_	_	PUNCT
fsr-3413	463	1	_	_	PUNCT
fsr-3413	464	1	_	_	PUNCT
fsr-3413	465	1	_	_	PUNCT
fsr-3413	466	1	_	_	PUNCT
fsr-3413	467	1	_	_	PUNCT
fsr-3413	468	1	_	_	PUNCT
fsr-3413	468	2	do	do	AUX
fsr-3413	468	3	you	you	PRON
fsr-3413	468	4	smoke	smoke	VERB
fsr-3413	468	5	?	?	PUNCT
fsr-3413	469	1	yes	yes	INTJ
fsr-3413	470	1	_	_	PUNCT
fsr-3413	471	1	_	_	PUNCT
fsr-3413	471	2	_	_	PUNCT
fsr-3413	472	1	no	no	PRON
fsr-3413	473	1	_	_	PUNCT
fsr-3413	474	1	_	_	PUNCT
fsr-3413	475	1	_	_	PUNCT
fsr-3413	475	2	do	do	AUX
fsr-3413	475	3	you	you	PRON
fsr-3413	475	4	normally	normally	ADV
fsr-3413	475	5	wear	wear	VERB
fsr-3413	475	6	your	your	PRON
fsr-3413	475	7	seatbelt	seatbelt	NOUN
fsr-3413	475	8	?	?	PUNCT
fsr-3413	476	1	yes	yes	INTJ
fsr-3413	476	2	—	—	PUNCT
fsr-3413	477	1	_	_	PUNCT
fsr-3413	477	2	_	_	PUNCT
fsr-3413	478	1	_	_	PUNCT
fsr-3413	479	1	no	no	PRON
fsr-3413	480	1	_	_	PUNCT
fsr-3413	481	1	_	_	PUNCT
fsr-3413	482	1	_	_	PUNCT
fsr-3413	483	1	when	when	SCONJ
fsr-3413	483	2	you	you	PRON
fsr-3413	483	3	normally	normally	ADV
fsr-3413	483	4	get	get	VERB
fsr-3413	483	5	“	"	PUNCT
fsr-3413	483	6	extra	extra	ADJ
fsr-3413	483	7	money	money	NOUN
fsr-3413	483	8	,	,	PUNCT
fsr-3413	483	9	”	"	PUNCT
fsr-3413	483	10	do	do	AUX
fsr-3413	483	11	you	you	PRON
fsr-3413	483	12	spend	spend	VERB
fsr-3413	483	13	it	it	PRON
fsr-3413	483	14	or	or	CCONJ
fsr-3413	483	15	save	save	VERB
fsr-3413	483	16	it	it	PRON
fsr-3413	483	17	?	?	PUNCT
fsr-3413	484	1	spend	spend	VERB
fsr-3413	484	2	_	_	PUNCT
fsr-3413	484	3	_	_	PUNCT
fsr-3413	485	1	_	_	PUNCT
fsr-3413	486	1	save	save	VERB
fsr-3413	486	2	_	_	PUNCT
fsr-3413	487	1	_	_	PUNCT
fsr-3413	488	1	_	_	PUNCT
fsr-3413	489	1	i	i	PRON
fsr-3413	489	2	rate	rate	VERB
fsr-3413	489	3	my	my	PRON
fsr-3413	489	4	level	level	NOUN
fsr-3413	489	5	of	of	ADP
fsr-3413	489	6	business	business	NOUN
fsr-3413	489	7	experience	experience	NOUN
fsr-3413	489	8	as	as	ADP
fsr-3413	489	9	:	:	PUNCT
fsr-3413	489	10	high	high	ADJ
fsr-3413	489	11	_	_	PUNCT
fsr-3413	490	1	_	_	PUNCT
fsr-3413	490	2	_	_	PUNCT
fsr-3413	491	1	fairly	fairly	ADV
fsr-3413	491	2	high	high	ADJ
fsr-3413	491	3	_	_	PUNCT
fsr-3413	492	1	_	_	PUNCT
fsr-3413	493	1	_	_	PUNCT
fsr-3413	493	2	moderate	moderate	ADJ
fsr-3413	493	3	_	_	PUNCT
fsr-3413	494	1	_	_	PUNCT
fsr-3413	494	2	_	_	PUNCT
fsr-3413	495	1	fairly	fairly	ADV
fsr-3413	495	2	low	low	ADJ
fsr-3413	495	3	_	_	PUNCT
fsr-3413	496	1	_	_	PUNCT
fsr-3413	496	2	_	_	PUNCT
fsr-3413	497	1	low	low	ADJ
fsr-3413	497	2	_	_	PUNCT
fsr-3413	498	1	_	_	PUNCT
fsr-3413	499	1	_	_	PUNCT
fsr-3413	500	1	none	none	NOUN
fsr-3413	500	2	_	_	PUNCT
fsr-3413	501	1	_	_	PUNCT
fsr-3413	501	2	_	_	PUNCT
fsr-3413	502	1	complete	complete	ADJ
fsr-3413	502	2	other	other	ADJ
fsr-3413	502	3	side	side	NOUN
fsr-3413	502	4	,	,	PUNCT
fsr-3413	502	5	please	please	INTJ
fsr-3413	502	6	.	.	PUNCT
fsr-3413	503	1	thank	thank	VERB
fsr-3413	503	2	you	you	PRON
fsr-3413	503	3	for	for	ADP
fsr-3413	503	4	your	your	PRON
fsr-3413	503	5	participation	participation	NOUN
fsr-3413	503	6	!	!	PUNCT
fsr-3413	503	7	!	!	PUNCT
fsr-3413	503	8	!	!	PUNCT
fsr-3413	504	1	31e	31e	NUM
fsr-3413	504	2	.	.	PUNCT
fsr-3413	505	1	bland	bland	ADJ
fsr-3413	505	2	,	,	PUNCT
fsr-3413	505	3	v.	v.	ADP
fsr-3413	505	4	chambers	chambers	PROPN
fsr-3413	505	5	/	/	SYM
fsr-3413	505	6	financial	financial	ADJ
fsr-3413	505	7	services	service	NOUN
fsr-3413	505	8	review	review	VERB
fsr-3413	505	9	28	28	NUM
fsr-3413	505	10	(	(	PUNCT
fsr-3413	505	11	2020	2020	NUM
fsr-3413	505	12	)	)	PUNCT
fsr-3413	505	13	17	17	NUM
fsr-3413	505	14	-	-	SYM
fsr-3413	505	15	34	34	NUM
fsr-3413	505	16	references	reference	NOUN
fsr-3413	505	17	abeler	abeler	NOUN
fsr-3413	505	18	,	,	PUNCT
fsr-3413	505	19	j.	j.	PROPN
fsr-3413	505	20	,	,	PUNCT
fsr-3413	505	21	&	&	CCONJ
fsr-3413	505	22	marklein	marklein	PROPN
fsr-3413	505	23	,	,	PUNCT
fsr-3413	505	24	f.	f.	PROPN
fsr-3413	505	25	(	(	PUNCT
fsr-3413	505	26	2016	2016	NUM
fsr-3413	505	27	)	)	PUNCT
fsr-3413	505	28	.	.	PUNCT
fsr-3413	506	1	fungibility	fungibility	NOUN
fsr-3413	506	2	,	,	PUNCT
fsr-3413	506	3	labels	label	NOUN
fsr-3413	506	4	,	,	PUNCT
fsr-3413	506	5	and	and	CCONJ
fsr-3413	506	6	consumption	consumption	NOUN
fsr-3413	506	7	.	.	PUNCT
fsr-3413	507	1	journal	journal	NOUN
fsr-3413	507	2	of	of	ADP
fsr-3413	507	3	the	the	DET
fsr-3413	507	4	european	european	PROPN
fsr-3413	507	5	economic	economic	PROPN
fsr-3413	507	6	association	association	PROPN
fsr-3413	507	7	,	,	PUNCT
fsr-3413	507	8	15	15	NUM
fsr-3413	507	9	,	,	PUNCT
fsr-3413	507	10	99–127	99–127	PROPN
fsr-3413	507	11	.	.	PUNCT
fsr-3413	508	1	adamopoulou	adamopoulou	PROPN
fsr-3413	508	2	,	,	PUNCT
fsr-3413	508	3	e.	e.	PROPN
fsr-3413	508	4	,	,	PUNCT
fsr-3413	508	5	&	&	CCONJ
fsr-3413	508	6	zizza	zizza	PROPN
fsr-3413	508	7	,	,	PUNCT
fsr-3413	508	8	r.	r.	PROPN
fsr-3413	508	9	(	(	PUNCT
fsr-3413	508	10	2017	2017	NUM
fsr-3413	508	11	)	)	PUNCT
fsr-3413	508	12	.	.	PUNCT
fsr-3413	509	1	regular	regular	ADJ
fsr-3413	509	2	versus	versus	ADP
fsr-3413	509	3	lump	lump	NOUN
fsr-3413	509	4	-	-	PUNCT
fsr-3413	509	5	sum	sum	NOUN
fsr-3413	509	6	payments	payment	NOUN
fsr-3413	509	7	in	in	ADP
fsr-3413	509	8	union	union	NOUN
fsr-3413	509	9	contracts	contract	NOUN
fsr-3413	509	10	and	and	CCONJ
fsr-3413	509	11	household	household	NOUN
fsr-3413	509	12	consumption	consumption	NOUN
fsr-3413	509	13	.	.	PUNCT
fsr-3413	510	1	working	work	VERB
fsr-3413	510	2	paper	paper	PROPN
fsr-3413	510	3	series	series	NOUN
fsr-3413	510	4	2013	2013	NUM
fsr-3413	510	5	,	,	PUNCT
fsr-3413	510	6	european	european	PROPN
fsr-3413	510	7	central	central	PROPN
fsr-3413	510	8	bank	bank	PROPN
fsr-3413	510	9	.	.	PUNCT
fsr-3413	511	1	agarwal	agarwal	PROPN
fsr-3413	511	2	,	,	PUNCT
fsr-3413	511	3	s.	s.	PROPN
fsr-3413	511	4	,	,	PUNCT
fsr-3413	511	5	&	&	CCONJ
fsr-3413	511	6	qian	qian	PROPN
fsr-3413	511	7	,	,	PUNCT
fsr-3413	511	8	w.	w.	PROPN
fsr-3413	511	9	(	(	PUNCT
fsr-3413	511	10	2014	2014	NUM
fsr-3413	511	11	)	)	PUNCT
fsr-3413	511	12	.	.	PUNCT
fsr-3413	512	1	consumption	consumption	NOUN
fsr-3413	512	2	and	and	CCONJ
fsr-3413	512	3	debt	debt	NOUN
fsr-3413	512	4	response	response	NOUN
fsr-3413	512	5	to	to	ADP
fsr-3413	512	6	unanticipated	unanticipated	ADJ
fsr-3413	512	7	income	income	NOUN
fsr-3413	512	8	shocks	shock	NOUN
fsr-3413	512	9	:	:	PUNCT
fsr-3413	512	10	evidence	evidence	NOUN
fsr-3413	512	11	from	from	ADP
fsr-3413	512	12	a	a	DET
fsr-3413	512	13	natural	natural	ADJ
fsr-3413	512	14	experiment	experiment	NOUN
fsr-3413	512	15	in	in	ADP
fsr-3413	512	16	singapore	singapore	PROPN
fsr-3413	512	17	.	.	PUNCT
fsr-3413	513	1	american	american	PROPN
fsr-3413	513	2	economic	economic	PROPN
fsr-3413	513	3	review	review	PROPN
fsr-3413	513	4	,	,	PUNCT
fsr-3413	513	5	104	104	NUM
fsr-3413	513	6	,	,	PUNCT
fsr-3413	513	7	4205–4230	4205–4230	NUM
fsr-3413	513	8	.	.	PUNCT
fsr-3413	514	1	ariely	ariely	ADV
fsr-3413	514	2	,	,	PUNCT
fsr-3413	514	3	d.	d.	PROPN
fsr-3413	514	4	(	(	PUNCT
fsr-3413	514	5	2008	2008	NUM
fsr-3413	514	6	)	)	PUNCT
fsr-3413	514	7	.	.	PUNCT
fsr-3413	515	1	predictably	predictably	ADV
fsr-3413	515	2	irrational	irrational	ADJ
fsr-3413	515	3	.	.	PUNCT
fsr-3413	516	1	new	new	PROPN
fsr-3413	516	2	york	york	PROPN
fsr-3413	516	3	,	,	PUNCT
fsr-3413	516	4	ny	ny	PROPN
fsr-3413	516	5	:	:	PUNCT
fsr-3413	516	6	harpercollins	harpercollins	PROPN
fsr-3413	516	7	.	.	PUNCT
fsr-3413	517	1	arkes	arke	NOUN
fsr-3413	517	2	,	,	PUNCT
fsr-3413	517	3	h.	h.	PROPN
fsr-3413	517	4	r.	r.	PROPN
fsr-3413	517	5	,	,	PUNCT
fsr-3413	517	6	joyner	joyner	PROPN
fsr-3413	517	7	,	,	PUNCT
fsr-3413	517	8	c.	c.	PROPN
fsr-3413	517	9	a.	a.	PROPN
fsr-3413	517	10	,	,	PUNCT
fsr-3413	517	11	pezzo	pezzo	PROPN
fsr-3413	517	12	,	,	PUNCT
fsr-3413	517	13	m.	m.	NOUN
fsr-3413	517	14	v.	v.	PROPN
fsr-3413	517	15	,	,	PUNCT
fsr-3413	517	16	nash	nash	PROPN
fsr-3413	517	17	,	,	PUNCT
fsr-3413	517	18	j.	j.	PROPN
fsr-3413	517	19	g.	g.	PROPN
fsr-3413	517	20	,	,	PUNCT
fsr-3413	517	21	siegel	siegel	PROPN
fsr-3413	517	22	-	-	PUNCT
fsr-3413	517	23	jacobs	jacobs	PROPN
fsr-3413	517	24	,	,	PUNCT
fsr-3413	517	25	k.	k.	PROPN
fsr-3413	517	26	,	,	PUNCT
fsr-3413	517	27	&	&	CCONJ
fsr-3413	517	28	stone	stone	PROPN
fsr-3413	517	29	,	,	PUNCT
fsr-3413	517	30	e.	e.	PROPN
fsr-3413	517	31	(	(	PUNCT
fsr-3413	517	32	1994	1994	NUM
fsr-3413	517	33	)	)	PUNCT
fsr-3413	517	34	.	.	PUNCT
fsr-3413	518	1	the	the	DET
fsr-3413	518	2	psychology	psychology	NOUN
fsr-3413	518	3	of	of	ADP
fsr-3413	518	4	windfall	windfall	NOUN
fsr-3413	518	5	gains	gain	NOUN
fsr-3413	518	6	.	.	PUNCT
fsr-3413	519	1	organizational	organizational	ADJ
fsr-3413	519	2	behavior	behavior	NOUN
fsr-3413	519	3	and	and	CCONJ
fsr-3413	519	4	human	human	ADJ
fsr-3413	519	5	decision	decision	NOUN
fsr-3413	519	6	processes	process	NOUN
fsr-3413	519	7	,	,	PUNCT
fsr-3413	519	8	59	59	NUM
fsr-3413	519	9	,	,	PUNCT
fsr-3413	519	10	331–347	331–347	NUM
fsr-3413	519	11	.	.	PUNCT
fsr-3413	520	1	ashton	ashton	PROPN
fsr-3413	520	2	,	,	PUNCT
fsr-3413	520	3	r.	r.	PROPN
fsr-3413	520	4	h.	h.	PROPN
fsr-3413	520	5	,	,	PUNCT
fsr-3413	520	6	&	&	CCONJ
fsr-3413	520	7	kramer	kramer	PROPN
fsr-3413	520	8	,	,	PUNCT
fsr-3413	520	9	s.	s.	PROPN
fsr-3413	520	10	s.	s.	PROPN
fsr-3413	520	11	(	(	PUNCT
fsr-3413	520	12	1980	1980	NUM
fsr-3413	520	13	)	)	PUNCT
fsr-3413	520	14	.	.	PUNCT
fsr-3413	521	1	students	student	NOUN
fsr-3413	521	2	as	as	ADP
fsr-3413	521	3	surrogates	surrogate	NOUN
fsr-3413	521	4	in	in	ADP
fsr-3413	521	5	behavior	behavior	NOUN
fsr-3413	521	6	accounting	accounting	NOUN
fsr-3413	521	7	research	research	NOUN
fsr-3413	521	8	.	.	PUNCT
fsr-3413	522	1	journal	journal	NOUN
fsr-3413	522	2	of	of	ADP
fsr-3413	522	3	accounting	accounting	NOUN
fsr-3413	522	4	research	research	NOUN
fsr-3413	522	5	,	,	PUNCT
fsr-3413	522	6	18	18	NUM
fsr-3413	522	7	,	,	PUNCT
fsr-3413	522	8	1–15	1–15	PROPN
fsr-3413	522	9	.	.	PUNCT
fsr-3413	523	1	baker	baker	PROPN
fsr-3413	523	2	,	,	PUNCT
fsr-3413	523	3	m.	m.	NOUN
fsr-3413	523	4	,	,	PUNCT
fsr-3413	523	5	nagel	nagel	PROPN
fsr-3413	523	6	,	,	PUNCT
fsr-3413	523	7	s.	s.	PROPN
fsr-3413	523	8	,	,	PUNCT
fsr-3413	523	9	&	&	CCONJ
fsr-3413	523	10	wurgler	wurgler	PROPN
fsr-3413	523	11	,	,	PUNCT
fsr-3413	523	12	j.	j.	PROPN
fsr-3413	523	13	(	(	PUNCT
fsr-3413	523	14	2007	2007	NUM
fsr-3413	523	15	)	)	PUNCT
fsr-3413	523	16	.	.	PUNCT
fsr-3413	524	1	the	the	DET
fsr-3413	524	2	effect	effect	NOUN
fsr-3413	524	3	of	of	ADP
fsr-3413	524	4	dividends	dividend	NOUN
fsr-3413	524	5	on	on	ADP
fsr-3413	524	6	consumption	consumption	NOUN
fsr-3413	524	7	.	.	PUNCT
fsr-3413	525	1	brookings	brookings	PROPN
fsr-3413	525	2	papers	paper	NOUN
fsr-3413	525	3	on	on	ADP
fsr-3413	525	4	economic	economic	ADJ
fsr-3413	525	5	activity	activity	NOUN
fsr-3413	525	6	,	,	PUNCT
fsr-3413	525	7	1	1	NUM
fsr-3413	525	8	,	,	PUNCT
fsr-3413	525	9	231–276	231–276	NUM
fsr-3413	525	10	.	.	PUNCT
fsr-3413	525	11	baker	baker	PROPN
fsr-3413	525	12	,	,	PUNCT
fsr-3413	525	13	h.	h.	PROPN
fsr-3413	525	14	k.	k.	PROPN
fsr-3413	525	15	,	,	PUNCT
fsr-3413	525	16	&	&	CCONJ
fsr-3413	525	17	nofsinger	nofsinger	PROPN
fsr-3413	525	18	,	,	PUNCT
fsr-3413	525	19	j.	j.	PROPN
fsr-3413	525	20	r.	r.	PROPN
fsr-3413	525	21	(	(	PUNCT
fsr-3413	525	22	2002	2002	NUM
fsr-3413	525	23	)	)	PUNCT
fsr-3413	525	24	.	.	PUNCT
fsr-3413	526	1	psychological	psychological	ADJ
fsr-3413	526	2	biases	bias	NOUN
fsr-3413	526	3	of	of	ADP
fsr-3413	526	4	investors	investor	NOUN
fsr-3413	526	5	.	.	PUNCT
fsr-3413	527	1	financial	financial	ADJ
fsr-3413	527	2	services	service	NOUN
fsr-3413	527	3	review	review	PROPN
fsr-3413	527	4	,	,	PUNCT
fsr-3413	527	5	11	11	NUM
fsr-3413	527	6	,	,	PUNCT
fsr-3413	527	7	97–116	97–116	PROPN
fsr-3413	527	8	.	.	PUNCT
fsr-3413	528	1	benjamin	benjamin	PROPN
fsr-3413	528	2	,	,	PUNCT
fsr-3413	528	3	d.	d.	PROPN
fsr-3413	528	4	j.	j.	PROPN
fsr-3413	528	5	(	(	PUNCT
fsr-3413	528	6	2006	2006	NUM
fsr-3413	528	7	)	)	PUNCT
fsr-3413	528	8	.	.	PUNCT
fsr-3413	529	1	psychology	psychology	NOUN
fsr-3413	529	2	,	,	PUNCT
fsr-3413	529	3	preferences	preference	NOUN
fsr-3413	529	4	,	,	PUNCT
fsr-3413	529	5	and	and	CCONJ
fsr-3413	529	6	markets	market	NOUN
fsr-3413	529	7	.	.	PUNCT
fsr-3413	530	1	proquest	proquest	PROPN
fsr-3413	530	2	dissertations	dissertation	NOUN
fsr-3413	530	3	and	and	CCONJ
fsr-3413	530	4	theses	thesis	NOUN
fsr-3413	530	5	,	,	PUNCT
fsr-3413	530	6	pp	pp	X
fsr-3413	530	7	.	.	PUNCT
fsr-3413	531	1	231–231	231–231	NUM
fsr-3413	531	2	.	.	PUNCT
fsr-3413	532	1	(	(	PUNCT
fsr-3413	532	2	available	available	ADJ
fsr-3413	532	3	at	at	ADP
fsr-3413	532	4	http://search.proquest.com/docview/305344915?accountid�7084	http://search.proquest.com/docview/305344915?accountid�7084	NUM
fsr-3413	532	5	)	)	PUNCT
fsr-3413	532	6	blinder	blinder	NOUN
fsr-3413	532	7	,	,	PUNCT
fsr-3413	532	8	a.	a.	PROPN
fsr-3413	532	9	s.	s.	PROPN
fsr-3413	532	10	(	(	PUNCT
fsr-3413	532	11	1981	1981	NUM
fsr-3413	532	12	)	)	PUNCT
fsr-3413	532	13	.	.	PUNCT
fsr-3413	533	1	temporary	temporary	ADJ
fsr-3413	533	2	income	income	NOUN
fsr-3413	533	3	taxes	taxis	NOUN
fsr-3413	533	4	and	and	CCONJ
fsr-3413	533	5	consumer	consumer	NOUN
fsr-3413	533	6	spending	spending	NOUN
fsr-3413	533	7	.	.	PUNCT
fsr-3413	534	1	journal	journal	NOUN
fsr-3413	534	2	of	of	ADP
fsr-3413	534	3	political	political	ADJ
fsr-3413	534	4	economy	economy	NOUN
fsr-3413	534	5	,	,	PUNCT
fsr-3413	534	6	89	89	NUM
fsr-3413	534	7	,	,	PUNCT
fsr-3413	534	8	26–53	26–53	NUM
fsr-3413	534	9	.	.	PUNCT
fsr-3413	535	1	bodkin	bodkin	PROPN
fsr-3413	535	2	,	,	PUNCT
fsr-3413	535	3	r.	r.	PROPN
fsr-3413	535	4	(	(	PUNCT
fsr-3413	535	5	1959	1959	NUM
fsr-3413	535	6	)	)	PUNCT
fsr-3413	535	7	.	.	PUNCT
fsr-3413	536	1	windfall	windfall	NOUN
fsr-3413	536	2	income	income	NOUN
fsr-3413	536	3	and	and	CCONJ
fsr-3413	536	4	consumption	consumption	NOUN
fsr-3413	536	5	.	.	PUNCT
fsr-3413	537	1	the	the	DET
fsr-3413	537	2	american	american	PROPN
fsr-3413	537	3	economic	economic	PROPN
fsr-3413	537	4	review	review	PROPN
fsr-3413	537	5	,	,	PUNCT
fsr-3413	537	6	49	49	NUM
fsr-3413	537	7	,	,	PUNCT
fsr-3413	537	8	602–614	602–614	NUM
fsr-3413	537	9	.	.	PUNCT
fsr-3413	538	1	“	"	PUNCT
fsr-3413	538	2	what	what	PRON
fsr-3413	538	3	would	would	AUX
fsr-3413	538	4	you	you	PRON
fsr-3413	538	5	do	do	VERB
fsr-3413	538	6	if	if	PRON
fsr-3413	538	7	.	.	PUNCT
fsr-3413	538	8	.	.	PUNCT
fsr-3413	538	9	.	.	PUNCT
fsr-3413	538	10	?	?	PUNCT
fsr-3413	538	11	”	"	PUNCT
fsr-3413	539	1	(	(	PUNCT
fsr-3413	539	2	fill	fill	VERB
fsr-3413	539	3	in	in	ADP
fsr-3413	539	4	the	the	DET
fsr-3413	539	5	amounts	amount	NOUN
fsr-3413	539	6	):	):	PUNCT
fsr-3413	539	7	you	you	PRON
fsr-3413	539	8	got	get	VERB
fsr-3413	539	9	a	a	DET
fsr-3413	539	10	bonus	bonus	NOUN
fsr-3413	539	11	at	at	ADP
fsr-3413	539	12	work	work	NOUN
fsr-3413	539	13	that	that	PRON
fsr-3413	539	14	would	would	AUX
fsr-3413	539	15	result	result	VERB
fsr-3413	539	16	in	in	ADP
fsr-3413	539	17	you	you	PRON
fsr-3413	539	18	receiving	receive	VERB
fsr-3413	539	19	$	$	SYM
fsr-3413	539	20	600.00	600.00	NUM
fsr-3413	539	21	which	which	PRON
fsr-3413	539	22	for	for	ADP
fsr-3413	539	23	2012	2012	NUM
fsr-3413	539	24	will	will	AUX
fsr-3413	539	25	automatically	automatically	ADV
fsr-3413	539	26	be	be	AUX
fsr-3413	539	27	mailed	mail	VERB
fsr-3413	539	28	to	to	ADP
fsr-3413	539	29	you	you	PRON
fsr-3413	539	30	as	as	ADP
fsr-3413	539	31	a	a	DET
fsr-3413	539	32	check	check	NOUN
fsr-3413	539	33	from	from	ADP
fsr-3413	539	34	your	your	PRON
fsr-3413	539	35	employer	employer	NOUN
fsr-3413	539	36	.	.	PUNCT
fsr-3413	540	1	if	if	SCONJ
fsr-3413	540	2	enacted	enact	VERB
fsr-3413	540	3	,	,	PUNCT
fsr-3413	540	4	how	how	SCONJ
fsr-3413	540	5	much	much	ADJ
fsr-3413	540	6	of	of	ADP
fsr-3413	540	7	this	this	DET
fsr-3413	540	8	monthly	monthly	ADJ
fsr-3413	540	9	increase	increase	NOUN
fsr-3413	540	10	would	would	AUX
fsr-3413	540	11	you	you	PRON
fsr-3413	540	12	plan	plan	VERB
fsr-3413	540	13	to	to	PART
fsr-3413	540	14	:	:	PUNCT
fsr-3413	540	15	15	15	X
fsr-3413	540	16	.	.	X
fsr-3413	541	1	invest	invest	VERB
fsr-3413	541	2	(	(	PUNCT
fsr-3413	541	3	in	in	ADP
fsr-3413	541	4	stocks	stock	NOUN
fsr-3413	541	5	,	,	PUNCT
fsr-3413	541	6	bonds	bond	NOUN
fsr-3413	541	7	,	,	PUNCT
fsr-3413	541	8	savings	saving	NOUN
fsr-3413	541	9	account	account	NOUN
fsr-3413	541	10	,	,	PUNCT
fsr-3413	541	11	and	and	CCONJ
fsr-3413	541	12	so	so	ADV
fsr-3413	541	13	forth	forth	ADV
fsr-3413	541	14	)	)	PUNCT
fsr-3413	541	15	?	?	PUNCT
fsr-3413	542	1	$	$	SYM
fsr-3413	542	2	16	16	NUM
fsr-3413	542	3	.	.	PUNCT
fsr-3413	543	1	use	use	NOUN
fsr-3413	543	2	to	to	PART
fsr-3413	543	3	pay	pay	VERB
fsr-3413	543	4	off	off	ADP
fsr-3413	543	5	credit	credit	NOUN
fsr-3413	543	6	card	card	NOUN
fsr-3413	543	7	debt	debt	NOUN
fsr-3413	543	8	?	?	PUNCT
fsr-3413	543	9	$	$	SYM
fsr-3413	543	10	17	17	NUM
fsr-3413	543	11	.	.	PUNCT
fsr-3413	544	1	use	use	NOUN
fsr-3413	544	2	to	to	PART
fsr-3413	544	3	pay	pay	VERB
fsr-3413	544	4	off	off	ADP
fsr-3413	544	5	notes	note	NOUN
fsr-3413	544	6	(	(	PUNCT
fsr-3413	544	7	such	such	ADJ
fsr-3413	544	8	as	as	ADP
fsr-3413	544	9	mortgage	mortgage	NOUN
fsr-3413	544	10	,	,	PUNCT
fsr-3413	544	11	car	car	NOUN
fsr-3413	544	12	note	note	NOUN
fsr-3413	544	13	,	,	PUNCT
fsr-3413	544	14	and	and	CCONJ
fsr-3413	544	15	so	so	ADV
fsr-3413	544	16	forth	forth	ADV
fsr-3413	544	17	)	)	PUNCT
fsr-3413	544	18	?	?	PUNCT
fsr-3413	545	1	$	$	SYM
fsr-3413	545	2	18	18	NUM
fsr-3413	545	3	.	.	PUNCT
fsr-3413	545	4	use	use	VERB
fsr-3413	545	5	up	up	ADP
fsr-3413	545	6	about	about	ADV
fsr-3413	545	7	evenly	evenly	ADV
fsr-3413	545	8	every	every	DET
fsr-3413	545	9	month	month	NOUN
fsr-3413	545	10	for	for	ADP
fsr-3413	545	11	expenses	expense	NOUN
fsr-3413	545	12	?	?	PUNCT
fsr-3413	546	1	_	_	PUNCT
fsr-3413	547	1	_	_	PUNCT
fsr-3413	548	1	_	_	PUNCT
fsr-3413	549	1	_	_	PUNCT
fsr-3413	550	1	_	_	PUNCT
fsr-3413	551	1	_	_	PUNCT
fsr-3413	551	2	/month	/month	NOUN
fsr-3413	551	3	.	.	PUNCT
fsr-3413	552	1	�	�	PROPN
fsr-3413	552	2	12	12	NUM
fsr-3413	552	3	months	month	NOUN
fsr-3413	552	4	.	.	PUNCT
fsr-3413	553	1	�	�	PROPN
fsr-3413	553	2	$	$	SYM
fsr-3413	553	3	19	19	NUM
fsr-3413	553	4	.	.	PUNCT
fsr-3413	554	1	use	use	NOUN
fsr-3413	554	2	to	to	PART
fsr-3413	554	3	buy	buy	VERB
fsr-3413	554	4	a	a	DET
fsr-3413	554	5	durable	durable	ADJ
fsr-3413	554	6	asset	asset	NOUN
fsr-3413	554	7	(	(	PUNCT
fsr-3413	554	8	such	such	ADJ
fsr-3413	554	9	as	as	ADP
fsr-3413	554	10	car	car	NOUN
fsr-3413	554	11	,	,	PUNCT
fsr-3413	554	12	boat	boat	NOUN
fsr-3413	554	13	,	,	PUNCT
fsr-3413	554	14	washing	washing	NOUN
fsr-3413	554	15	machine	machine	NOUN
fsr-3413	554	16	,	,	PUNCT
fsr-3413	554	17	furniture	furniture	NOUN
fsr-3413	554	18	)	)	PUNCT
fsr-3413	554	19	?	?	PUNCT
fsr-3413	555	1	$	$	SYM
fsr-3413	555	2	20	20	NUM
fsr-3413	555	3	.	.	PUNCT
fsr-3413	556	1	use	use	NOUN
fsr-3413	556	2	to	to	PART
fsr-3413	556	3	save	save	VERB
fsr-3413	556	4	for	for	ADP
fsr-3413	556	5	an	an	DET
fsr-3413	556	6	infrequent	infrequent	ADJ
fsr-3413	556	7	expense	expense	NOUN
fsr-3413	556	8	(	(	PUNCT
fsr-3413	556	9	such	such	ADJ
fsr-3413	556	10	as	as	ADP
fsr-3413	556	11	a	a	DET
fsr-3413	556	12	vacation	vacation	NOUN
fsr-3413	556	13	,	,	PUNCT
fsr-3413	556	14	bigger	big	ADJ
fsr-3413	556	15	holiday	holiday	NOUN
fsr-3413	556	16	gifts	gift	NOUN
fsr-3413	556	17	,	,	PUNCT
fsr-3413	556	18	or	or	CCONJ
fsr-3413	556	19	something	something	PRON
fsr-3413	556	20	you	you	PRON
fsr-3413	556	21	’ve	’ve	AUX
fsr-3413	556	22	been	be	AUX
fsr-3413	556	23	wanting	want	VERB
fsr-3413	556	24	)	)	PUNCT
fsr-3413	556	25	?	?	PUNCT
fsr-3413	557	1	$	$	SYM
fsr-3413	557	2	21	21	NUM
fsr-3413	557	3	.	.	PUNCT
fsr-3413	557	4	spend	spend	VERB
fsr-3413	557	5	right	right	ADV
fsr-3413	557	6	away	away	ADV
fsr-3413	557	7	on	on	ADP
fsr-3413	557	8	something	something	PRON
fsr-3413	557	9	fun	fun	ADJ
fsr-3413	557	10	?	?	PUNCT
fsr-3413	558	1	$	$	SYM
fsr-3413	558	2	amount	amount	NOUN
fsr-3413	558	3	must	must	AUX
fsr-3413	558	4	total	total	VERB
fsr-3413	558	5	$	$	SYM
fsr-3413	558	6	600.00————-3	600.00————-3	NOUN
fsr-3413	558	7	another	another	DET
fsr-3413	558	8	work	work	NOUN
fsr-3413	558	9	bonus	bonus	NOUN
fsr-3413	558	10	would	would	AUX
fsr-3413	558	11	result	result	VERB
fsr-3413	558	12	in	in	ADP
fsr-3413	558	13	you	you	PRON
fsr-3413	558	14	receiving	receive	VERB
fsr-3413	558	15	$	$	SYM
fsr-3413	558	16	50.00	50.00	NUM
fsr-3413	558	17	/	/	SYM
fsr-3413	558	18	month	month	NOUN
fsr-3413	558	19	after	after	ADP
fsr-3413	558	20	taxes	taxis	NOUN
fsr-3413	558	21	;	;	PUNCT
fsr-3413	558	22	that	that	PRON
fsr-3413	558	23	is	is	ADV
fsr-3413	558	24	,	,	PUNCT
fsr-3413	558	25	your	your	PRON
fsr-3413	558	26	paychecks	paycheck	NOUN
fsr-3413	558	27	would	would	AUX
fsr-3413	558	28	go	go	VERB
fsr-3413	558	29	up	up	ADV
fsr-3413	558	30	$	$	SYM
fsr-3413	558	31	50.00	50.00	NUM
fsr-3413	558	32	/	/	SYM
fsr-3413	558	33	month	month	NOUN
fsr-3413	558	34	.	.	PUNCT
fsr-3413	559	1	if	if	SCONJ
fsr-3413	559	2	received	receive	VERB
fsr-3413	559	3	,	,	PUNCT
fsr-3413	559	4	how	how	SCONJ
fsr-3413	559	5	much	much	ADJ
fsr-3413	559	6	of	of	ADP
fsr-3413	559	7	this	this	DET
fsr-3413	559	8	monthly	monthly	ADJ
fsr-3413	559	9	increase	increase	NOUN
fsr-3413	559	10	would	would	AUX
fsr-3413	559	11	you	you	PRON
fsr-3413	559	12	plan	plan	VERB
fsr-3413	559	13	to	to	PART
fsr-3413	559	14	:	:	PUNCT
fsr-3413	559	15	22	22	X
fsr-3413	559	16	.	.	PUNCT
fsr-3413	560	1	invest	invest	VERB
fsr-3413	560	2	(	(	PUNCT
fsr-3413	560	3	in	in	ADP
fsr-3413	560	4	stocks	stock	NOUN
fsr-3413	560	5	,	,	PUNCT
fsr-3413	560	6	bonds	bond	NOUN
fsr-3413	560	7	,	,	PUNCT
fsr-3413	560	8	savings	saving	NOUN
fsr-3413	560	9	account	account	NOUN
fsr-3413	560	10	,	,	PUNCT
fsr-3413	560	11	and	and	CCONJ
fsr-3413	560	12	so	so	ADV
fsr-3413	560	13	forth	forth	ADV
fsr-3413	560	14	)	)	PUNCT
fsr-3413	560	15	?	?	PUNCT
fsr-3413	561	1	$	$	SYM
fsr-3413	561	2	23	23	NUM
fsr-3413	561	3	.	.	PUNCT
fsr-3413	562	1	use	use	NOUN
fsr-3413	562	2	to	to	PART
fsr-3413	562	3	pay	pay	VERB
fsr-3413	562	4	off	off	ADP
fsr-3413	562	5	credit	credit	NOUN
fsr-3413	562	6	card	card	NOUN
fsr-3413	562	7	debt	debt	NOUN
fsr-3413	562	8	?	?	PUNCT
fsr-3413	563	1	$	$	SYM
fsr-3413	563	2	24	24	NUM
fsr-3413	563	3	.	.	PUNCT
fsr-3413	563	4	use	use	NOUN
fsr-3413	563	5	to	to	PART
fsr-3413	563	6	pay	pay	VERB
fsr-3413	563	7	off	off	ADP
fsr-3413	563	8	notes	note	NOUN
fsr-3413	563	9	(	(	PUNCT
fsr-3413	563	10	such	such	ADJ
fsr-3413	563	11	as	as	ADP
fsr-3413	563	12	mortgage	mortgage	NOUN
fsr-3413	563	13	,	,	PUNCT
fsr-3413	563	14	car	car	NOUN
fsr-3413	563	15	note	note	NOUN
fsr-3413	563	16	,	,	PUNCT
fsr-3413	563	17	and	and	CCONJ
fsr-3413	563	18	so	so	ADV
fsr-3413	563	19	forth	forth	ADV
fsr-3413	563	20	)	)	PUNCT
fsr-3413	563	21	?	?	PUNCT
fsr-3413	564	1	$	$	SYM
fsr-3413	564	2	25	25	NUM
fsr-3413	564	3	.	.	PUNCT
fsr-3413	564	4	use	use	VERB
fsr-3413	564	5	up	up	ADP
fsr-3413	564	6	for	for	ADP
fsr-3413	564	7	regular	regular	ADJ
fsr-3413	564	8	monthly	monthly	ADJ
fsr-3413	564	9	expenses	expense	NOUN
fsr-3413	564	10	?	?	PUNCT
fsr-3413	565	1	$	$	SYM
fsr-3413	565	2	26	26	NUM
fsr-3413	565	3	.	.	PUNCT
fsr-3413	566	1	use	use	NOUN
fsr-3413	566	2	to	to	PART
fsr-3413	566	3	buy	buy	VERB
fsr-3413	566	4	a	a	DET
fsr-3413	566	5	durable	durable	ADJ
fsr-3413	566	6	asset	asset	NOUN
fsr-3413	566	7	(	(	PUNCT
fsr-3413	566	8	such	such	ADJ
fsr-3413	566	9	as	as	ADP
fsr-3413	566	10	car	car	NOUN
fsr-3413	566	11	,	,	PUNCT
fsr-3413	566	12	boat	boat	NOUN
fsr-3413	566	13	,	,	PUNCT
fsr-3413	566	14	washing	washing	NOUN
fsr-3413	566	15	machine	machine	NOUN
fsr-3413	566	16	,	,	PUNCT
fsr-3413	566	17	furniture	furniture	NOUN
fsr-3413	566	18	)	)	PUNCT
fsr-3413	566	19	?	?	PUNCT
fsr-3413	567	1	$	$	SYM
fsr-3413	567	2	27	27	NUM
fsr-3413	567	3	.	.	PUNCT
fsr-3413	568	1	use	use	NOUN
fsr-3413	568	2	to	to	PART
fsr-3413	568	3	save	save	VERB
fsr-3413	568	4	for	for	ADP
fsr-3413	568	5	an	an	DET
fsr-3413	568	6	infrequent	infrequent	ADJ
fsr-3413	568	7	yearly	yearly	ADJ
fsr-3413	568	8	expense	expense	NOUN
fsr-3413	568	9	(	(	PUNCT
fsr-3413	568	10	such	such	ADJ
fsr-3413	568	11	as	as	ADP
fsr-3413	568	12	a	a	DET
fsr-3413	568	13	vacation	vacation	NOUN
fsr-3413	568	14	,	,	PUNCT
fsr-3413	568	15	bigger	big	ADJ
fsr-3413	568	16	holiday	holiday	NOUN
fsr-3413	568	17	gifts	gift	NOUN
fsr-3413	568	18	,	,	PUNCT
fsr-3413	568	19	and/or	and/or	CCONJ
fsr-3413	568	20	something	something	PRON
fsr-3413	568	21	you	you	PRON
fsr-3413	568	22	’ve	’ve	AUX
fsr-3413	568	23	been	be	AUX
fsr-3413	568	24	wanting	want	VERB
fsr-3413	568	25	)	)	PUNCT
fsr-3413	568	26	?	?	PUNCT
fsr-3413	569	1	$	$	SYM
fsr-3413	569	2	28	28	NUM
fsr-3413	569	3	.	.	PUNCT
fsr-3413	569	4	spend	spend	VERB
fsr-3413	569	5	right	right	ADV
fsr-3413	569	6	away	away	ADV
fsr-3413	569	7	on	on	ADP
fsr-3413	569	8	something	something	PRON
fsr-3413	569	9	fun	fun	ADJ
fsr-3413	569	10	?	?	PUNCT
fsr-3413	570	1	$	$	SYM
fsr-3413	570	2	amount	amount	NOUN
fsr-3413	570	3	must	must	AUX
fsr-3413	570	4	total	total	VERB
fsr-3413	570	5	$	$	SYM
fsr-3413	570	6	50.00————-3	50.00————-3	NUM
fsr-3413	570	7	thank	thank	VERB
fsr-3413	570	8	you	you	PRON
fsr-3413	570	9	for	for	ADP
fsr-3413	570	10	your	your	PRON
fsr-3413	570	11	participation	participation	NOUN
fsr-3413	570	12	!	!	PUNCT
fsr-3413	570	13	!	!	PUNCT
fsr-3413	570	14	!	!	PUNCT
fsr-3413	571	1	32	32	NUM
fsr-3413	571	2	e.	e.	PROPN
fsr-3413	571	3	bland	bland	PROPN
fsr-3413	571	4	,	,	PUNCT
fsr-3413	571	5	v.	v.	ADP
fsr-3413	571	6	chambers	chambers	PROPN
fsr-3413	571	7	/	/	SYM
fsr-3413	571	8	financial	financial	ADJ
fsr-3413	571	9	services	service	NOUN
fsr-3413	571	10	review	review	VERB
fsr-3413	571	11	28	28	NUM
fsr-3413	571	12	(	(	PUNCT
fsr-3413	571	13	2020	2020	NUM
fsr-3413	571	14	)	)	PUNCT
fsr-3413	571	15	17	17	NUM
fsr-3413	571	16	-	-	SYM
fsr-3413	571	17	34	34	NUM
fsr-3413	571	18	boylan	boylan	PROPN
fsr-3413	571	19	,	,	PUNCT
fsr-3413	571	20	s.	s.	PROPN
fsr-3413	571	21	(	(	PUNCT
fsr-3413	571	22	2010	2010	NUM
fsr-3413	571	23	)	)	PUNCT
fsr-3413	571	24	.	.	PUNCT
fsr-3413	572	1	prior	prior	ADJ
fsr-3413	572	2	audits	audits	NOUN
fsr-3413	572	3	and	and	CCONJ
fsr-3413	572	4	taxpayer	taxpayer	NOUN
fsr-3413	572	5	compliance	compliance	NOUN
fsr-3413	572	6	:	:	PUNCT
fsr-3413	572	7	experimental	experimental	ADJ
fsr-3413	572	8	evidence	evidence	NOUN
fsr-3413	572	9	on	on	ADP
fsr-3413	572	10	the	the	DET
fsr-3413	572	11	effect	effect	NOUN
fsr-3413	572	12	of	of	ADP
fsr-3413	572	13	earned	earn	VERB
fsr-3413	572	14	versus	versus	ADP
fsr-3413	572	15	endowed	endowed	ADJ
fsr-3413	572	16	income	income	NOUN
fsr-3413	572	17	.	.	PUNCT
fsr-3413	573	1	journal	journal	NOUN
fsr-3413	573	2	of	of	ADP
fsr-3413	573	3	the	the	DET
fsr-3413	573	4	american	american	PROPN
fsr-3413	573	5	taxation	taxation	PROPN
fsr-3413	573	6	association	association	PROPN
fsr-3413	573	7	,	,	PUNCT
fsr-3413	573	8	32	32	NUM
fsr-3413	573	9	,	,	PUNCT
fsr-3413	573	10	73–88	73–88	NUM
fsr-3413	573	11	.	.	PUNCT
fsr-3413	573	12	bradford	bradford	PROPN
fsr-3413	573	13	,	,	PUNCT
fsr-3413	573	14	t.	t.	PROPN
fsr-3413	573	15	w.	w.	PROPN
fsr-3413	573	16	(	(	PUNCT
fsr-3413	573	17	2008	2008	NUM
fsr-3413	573	18	)	)	PUNCT
fsr-3413	573	19	.	.	PUNCT
fsr-3413	574	1	intergenerationally	intergenerationally	ADV
fsr-3413	574	2	gifted	gifted	ADJ
fsr-3413	574	3	asset	asset	NOUN
fsr-3413	574	4	dispositions	disposition	NOUN
fsr-3413	574	5	.	.	PUNCT
fsr-3413	575	1	journal	journal	NOUN
fsr-3413	575	2	of	of	ADP
fsr-3413	575	3	consumer	consumer	NOUN
fsr-3413	575	4	research	research	NOUN
fsr-3413	575	5	,	,	PUNCT
fsr-3413	575	6	36	36	NUM
fsr-3413	575	7	,	,	PUNCT
fsr-3413	575	8	93–111	93–111	PROPN
fsr-3413	575	9	.	.	PUNCT
fsr-3413	576	1	browning	browning	NOUN
fsr-3413	576	2	,	,	PUNCT
fsr-3413	576	3	m.	m.	NOUN
fsr-3413	576	4	,	,	PUNCT
fsr-3413	576	5	&	&	CCONJ
fsr-3413	576	6	collado	collado	PROPN
fsr-3413	576	7	,	,	PUNCT
fsr-3413	576	8	m.	m.	PROPN
fsr-3413	576	9	d.	d.	PROPN
fsr-3413	576	10	(	(	PUNCT
fsr-3413	576	11	2001	2001	NUM
fsr-3413	576	12	)	)	PUNCT
fsr-3413	576	13	.	.	PUNCT
fsr-3413	577	1	the	the	DET
fsr-3413	577	2	response	response	NOUN
fsr-3413	577	3	of	of	ADP
fsr-3413	577	4	expenditures	expenditure	NOUN
fsr-3413	577	5	to	to	ADP
fsr-3413	577	6	anticipated	anticipate	VERB
fsr-3413	577	7	income	income	NOUN
fsr-3413	577	8	changes	change	NOUN
fsr-3413	577	9	:	:	PUNCT
fsr-3413	577	10	panel	panel	NOUN
fsr-3413	577	11	data	datum	NOUN
fsr-3413	577	12	estimates	estimate	NOUN
fsr-3413	577	13	.	.	PUNCT
fsr-3413	578	1	the	the	DET
fsr-3413	578	2	american	american	PROPN
fsr-3413	578	3	economic	economic	PROPN
fsr-3413	578	4	review	review	PROPN
fsr-3413	578	5	,	,	PUNCT
fsr-3413	578	6	91	91	NUM
fsr-3413	578	7	,	,	PUNCT
fsr-3413	578	8	681–692	681–692	NUM
fsr-3413	578	9	.	.	PUNCT
fsr-3413	579	1	camerer	camerer	PROPN
fsr-3413	579	2	,	,	PUNCT
fsr-3413	579	3	c.	c.	PROPN
fsr-3413	579	4	,	,	PUNCT
fsr-3413	579	5	babcock	babcock	PROPN
fsr-3413	579	6	,	,	PUNCT
fsr-3413	579	7	l.	l.	PROPN
fsr-3413	579	8	,	,	PUNCT
fsr-3413	579	9	loewenstein	loewenstein	PROPN
fsr-3413	579	10	,	,	PUNCT
fsr-3413	579	11	g.	g.	PROPN
fsr-3413	579	12	,	,	PUNCT
fsr-3413	579	13	&	&	CCONJ
fsr-3413	579	14	thaler	thaler	PROPN
fsr-3413	579	15	,	,	PUNCT
fsr-3413	579	16	r.	r.	PROPN
fsr-3413	579	17	(	(	PUNCT
fsr-3413	579	18	1997	1997	NUM
fsr-3413	579	19	)	)	PUNCT
fsr-3413	579	20	.	.	PUNCT
fsr-3413	580	1	labor	labor	NOUN
fsr-3413	580	2	supply	supply	NOUN
fsr-3413	580	3	of	of	ADP
fsr-3413	580	4	new	new	PROPN
fsr-3413	580	5	york	york	PROPN
fsr-3413	580	6	city	city	NOUN
fsr-3413	580	7	cabdrivers	cabdriver	NOUN
fsr-3413	580	8	:	:	PUNCT
fsr-3413	580	9	one	one	NUM
fsr-3413	580	10	day	day	NOUN
fsr-3413	580	11	at	at	ADP
fsr-3413	580	12	a	a	DET
fsr-3413	580	13	time	time	NOUN
fsr-3413	580	14	.	.	PUNCT
fsr-3413	581	1	quarterly	quarterly	ADJ
fsr-3413	581	2	journal	journal	NOUN
fsr-3413	581	3	of	of	ADP
fsr-3413	581	4	economics	economic	NOUN
fsr-3413	581	5	,	,	PUNCT
fsr-3413	581	6	cxiii	cxiii	NOUN
fsr-3413	581	7	(	(	PUNCT
fsr-3413	581	8	may	may	PROPN
fsr-3413	581	9	)	)	PUNCT
fsr-3413	581	10	,	,	PUNCT
fsr-3413	581	11	407–442	407–442	NUM
fsr-3413	581	12	.	.	PUNCT
fsr-3413	582	1	chambers	chamber	NOUN
fsr-3413	582	2	,	,	PUNCT
fsr-3413	582	3	v.	v.	ADV
fsr-3413	582	4	,	,	PUNCT
fsr-3413	582	5	&	&	CCONJ
fsr-3413	582	6	spencer	spencer	PROPN
fsr-3413	582	7	,	,	PUNCT
fsr-3413	582	8	m.	m.	NOUN
fsr-3413	582	9	(	(	PUNCT
fsr-3413	582	10	2008	2008	NUM
fsr-3413	582	11	)	)	PUNCT
fsr-3413	582	12	.	.	PUNCT
fsr-3413	583	1	does	do	AUX
fsr-3413	583	2	changing	change	VERB
fsr-3413	583	3	the	the	DET
fsr-3413	583	4	timing	timing	NOUN
fsr-3413	583	5	of	of	ADP
fsr-3413	583	6	a	a	DET
fsr-3413	583	7	yearly	yearly	ADJ
fsr-3413	583	8	individual	individual	ADJ
fsr-3413	583	9	tax	tax	NOUN
fsr-3413	583	10	refund	refund	NOUN
fsr-3413	583	11	change	change	NOUN
fsr-3413	583	12	the	the	DET
fsr-3413	583	13	amount	amount	NOUN
fsr-3413	583	14	spent	spend	VERB
fsr-3413	583	15	vs.	vs.	ADP
fsr-3413	583	16	saved	save	VERB
fsr-3413	583	17	?	?	PUNCT
fsr-3413	584	1	journal	journal	NOUN
fsr-3413	584	2	of	of	ADP
fsr-3413	584	3	economic	economic	ADJ
fsr-3413	584	4	psychology	psychology	NOUN
fsr-3413	584	5	,	,	PUNCT
fsr-3413	584	6	29	29	NUM
fsr-3413	584	7	,	,	PUNCT
fsr-3413	584	8	856–862	856–862	NUM
fsr-3413	584	9	.	.	PUNCT
fsr-3413	585	1	chambers	chamber	NOUN
fsr-3413	585	2	,	,	PUNCT
fsr-3413	585	3	v.	v.	ADV
fsr-3413	585	4	,	,	PUNCT
fsr-3413	585	5	bland	bland	ADJ
fsr-3413	585	6	,	,	PUNCT
fsr-3413	585	7	e.	e.	PROPN
fsr-3413	585	8	,	,	PUNCT
fsr-3413	585	9	&	&	CCONJ
fsr-3413	585	10	spencer	spencer	PROPN
fsr-3413	585	11	,	,	PUNCT
fsr-3413	585	12	m.	m.	NOUN
fsr-3413	585	13	(	(	PUNCT
fsr-3413	585	14	2017	2017	NUM
fsr-3413	585	15	)	)	PUNCT
fsr-3413	585	16	.	.	PUNCT
fsr-3413	586	1	does	do	AUX
fsr-3413	586	2	the	the	DET
fsr-3413	586	3	source	source	NOUN
fsr-3413	586	4	of	of	ADP
fsr-3413	586	5	a	a	DET
fsr-3413	586	6	cash	cash	NOUN
fsr-3413	586	7	flow	flow	NOUN
fsr-3413	586	8	affect	affect	VERB
fsr-3413	586	9	spending	spending	NOUN
fsr-3413	586	10	versus	versus	ADP
fsr-3413	586	11	saving	save	VERB
fsr-3413	586	12	?	?	PUNCT
fsr-3413	587	1	financial	financial	ADJ
fsr-3413	587	2	services	service	NOUN
fsr-3413	587	3	review	review	PROPN
fsr-3413	587	4	,	,	PUNCT
fsr-3413	587	5	26	26	NUM
fsr-3413	587	6	,	,	PUNCT
fsr-3413	587	7	291–313	291–313	NUM
fsr-3413	587	8	.	.	PUNCT
fsr-3413	588	1	chambers	chamber	NOUN
fsr-3413	588	2	,	,	PUNCT
fsr-3413	588	3	v.	v.	ADP
fsr-3413	588	4	,	,	PUNCT
fsr-3413	588	5	spencer	spencer	PROPN
fsr-3413	588	6	,	,	PUNCT
fsr-3413	588	7	m.	m.	NOUN
fsr-3413	588	8	,	,	PUNCT
fsr-3413	588	9	&	&	CCONJ
fsr-3413	588	10	mollick	mollick	PROPN
fsr-3413	588	11	,	,	PUNCT
fsr-3413	588	12	j.	j.	PROPN
fsr-3413	588	13	(	(	PUNCT
fsr-3413	588	14	2009	2009	NUM
fsr-3413	588	15	)	)	PUNCT
fsr-3413	588	16	.	.	PUNCT
fsr-3413	589	1	goldilocks	goldilock	NOUN
fsr-3413	589	2	rebates	rebate	VERB
fsr-3413	589	3	:	:	PUNCT
fsr-3413	589	4	complying	comply	VERB
fsr-3413	589	5	with	with	ADP
fsr-3413	589	6	government	government	NOUN
fsr-3413	589	7	wishes	wish	VERB
fsr-3413	589	8	only	only	ADV
fsr-3413	589	9	when	when	SCONJ
fsr-3413	589	10	the	the	DET
fsr-3413	589	11	rebate	rebate	NOUN
fsr-3413	589	12	amount	amount	NOUN
fsr-3413	589	13	is	be	AUX
fsr-3413	589	14	“	"	PUNCT
fsr-3413	589	15	just	just	ADV
fsr-3413	589	16	right	right	ADJ
fsr-3413	589	17	.	.	PUNCT
fsr-3413	589	18	”	"	PUNCT
fsr-3413	590	1	journal	journal	NOUN
fsr-3413	590	2	of	of	ADP
fsr-3413	590	3	economics	economic	NOUN
fsr-3413	590	4	and	and	CCONJ
fsr-3413	590	5	economic	economic	ADJ
fsr-3413	590	6	research	research	NOUN
fsr-3413	590	7	,	,	PUNCT
fsr-3413	590	8	10	10	NUM
fsr-3413	590	9	,	,	PUNCT
fsr-3413	590	10	101–119	101–119	NUM
fsr-3413	590	11	.	.	PUNCT
fsr-3413	591	1	cheema	cheema	PROPN
fsr-3413	591	2	,	,	PUNCT
fsr-3413	591	3	a.	a.	PROPN
fsr-3413	591	4	,	,	PUNCT
fsr-3413	591	5	&	&	CCONJ
fsr-3413	591	6	soman	soman	NOUN
fsr-3413	591	7	,	,	PUNCT
fsr-3413	591	8	d.	d.	PROPN
fsr-3413	591	9	(	(	PUNCT
fsr-3413	591	10	2006	2006	NUM
fsr-3413	591	11	)	)	PUNCT
fsr-3413	591	12	.	.	PUNCT
fsr-3413	592	1	malleable	malleable	ADJ
fsr-3413	592	2	mental	mental	ADJ
fsr-3413	592	3	accounting	accounting	NOUN
fsr-3413	592	4	:	:	PUNCT
fsr-3413	592	5	the	the	DET
fsr-3413	592	6	effect	effect	NOUN
fsr-3413	592	7	of	of	ADP
fsr-3413	592	8	flexibility	flexibility	NOUN
fsr-3413	592	9	on	on	ADP
fsr-3413	592	10	the	the	DET
fsr-3413	592	11	justification	justification	NOUN
fsr-3413	592	12	of	of	ADP
fsr-3413	592	13	attractive	attractive	ADJ
fsr-3413	592	14	spending	spending	NOUN
fsr-3413	592	15	and	and	CCONJ
fsr-3413	592	16	consumption	consumption	NOUN
fsr-3413	592	17	decisions	decision	NOUN
fsr-3413	592	18	.	.	PUNCT
fsr-3413	593	1	journal	journal	NOUN
fsr-3413	593	2	of	of	ADP
fsr-3413	593	3	consumer	consumer	NOUN
fsr-3413	593	4	psychology	psychology	NOUN
fsr-3413	593	5	,	,	PUNCT
fsr-3413	593	6	16	16	NUM
fsr-3413	593	7	,	,	PUNCT
fsr-3413	593	8	33–44	33–44	NUM
fsr-3413	593	9	.	.	PUNCT
fsr-3413	594	1	chen	chen	PROPN
fsr-3413	594	2	,	,	PUNCT
fsr-3413	594	3	h.	h.	PROPN
fsr-3413	594	4	,	,	PUNCT
fsr-3413	594	5	&	&	CCONJ
fsr-3413	594	6	volpe	volpe	PROPN
fsr-3413	594	7	,	,	PUNCT
fsr-3413	594	8	r.	r.	PROPN
fsr-3413	594	9	p.	p.	PROPN
fsr-3413	594	10	(	(	PUNCT
fsr-3413	594	11	2002	2002	NUM
fsr-3413	594	12	)	)	PUNCT
fsr-3413	594	13	.	.	PUNCT
fsr-3413	595	1	gender	gender	NOUN
fsr-3413	595	2	differences	difference	NOUN
fsr-3413	595	3	in	in	ADP
fsr-3413	595	4	personal	personal	ADJ
fsr-3413	595	5	financial	financial	ADJ
fsr-3413	595	6	literacy	literacy	NOUN
fsr-3413	595	7	among	among	ADP
fsr-3413	595	8	college	college	NOUN
fsr-3413	595	9	students	student	NOUN
fsr-3413	595	10	.	.	PUNCT
fsr-3413	596	1	financial	financial	ADJ
fsr-3413	596	2	services	service	NOUN
fsr-3413	596	3	review	review	PROPN
fsr-3413	596	4	,	,	PUNCT
fsr-3413	596	5	11	11	NUM
fsr-3413	596	6	,	,	PUNCT
fsr-3413	596	7	289–307	289–307	NUM
fsr-3413	596	8	.	.	PUNCT
fsr-3413	597	1	(	(	PUNCT
fsr-3413	597	2	available	available	ADJ
fsr-3413	597	3	at	at	ADP
fsr-3413	597	4	https://manowar.tamucc.edu/login?url�http://search	https://manowar.tamucc.edu/login?url�http://search	PROPN
fsr-3413	597	5	.	.	PUNCT
fsr-3413	598	1	proquest.com/docview/212012102?accountid�7084	proquest.com/docview/212012102?accountid�7084	NOUN
fsr-3413	598	2	)	)	PUNCT
fsr-3413	598	3	epley	epley	PROPN
fsr-3413	598	4	,	,	PUNCT
fsr-3413	598	5	n.	n.	PROPN
fsr-3413	598	6	,	,	PUNCT
fsr-3413	598	7	mak	mak	PROPN
fsr-3413	598	8	,	,	PUNCT
fsr-3413	598	9	d.	d.	PROPN
fsr-3413	598	10	,	,	PUNCT
fsr-3413	598	11	&	&	CCONJ
fsr-3413	598	12	idson	idson	PROPN
fsr-3413	598	13	,	,	PUNCT
fsr-3413	598	14	l.	l.	PROPN
fsr-3413	598	15	(	(	PUNCT
fsr-3413	598	16	2006	2006	NUM
fsr-3413	598	17	)	)	PUNCT
fsr-3413	598	18	.	.	PUNCT
fsr-3413	599	1	bonus	bonus	NOUN
fsr-3413	599	2	or	or	CCONJ
fsr-3413	599	3	rebate	rebate	VERB
fsr-3413	599	4	?	?	PUNCT
fsr-3413	599	5	:	:	PUNCT
fsr-3413	599	6	the	the	DET
fsr-3413	599	7	impact	impact	NOUN
fsr-3413	599	8	of	of	ADP
fsr-3413	599	9	income	income	NOUN
fsr-3413	599	10	framing	frame	VERB
fsr-3413	599	11	on	on	ADP
fsr-3413	599	12	spending	spending	NOUN
fsr-3413	599	13	and	and	CCONJ
fsr-3413	599	14	saving	saving	NOUN
fsr-3413	599	15	.	.	PUNCT
fsr-3413	600	1	journal	journal	PROPN
fsr-3413	600	2	of	of	ADP
fsr-3413	600	3	behavioral	behavioral	ADJ
fsr-3413	600	4	decision	decision	NOUN
fsr-3413	600	5	making	making	NOUN
fsr-3413	600	6	,	,	PUNCT
fsr-3413	600	7	19	19	NUM
fsr-3413	600	8	,	,	PUNCT
fsr-3413	600	9	213–227	213–227	NUM
fsr-3413	600	10	.	.	PUNCT
fsr-3413	601	1	epley	epley	PROPN
fsr-3413	601	2	,	,	PUNCT
fsr-3413	601	3	n.	n.	NOUN
fsr-3413	601	4	,	,	PUNCT
fsr-3413	601	5	&	&	CCONJ
fsr-3413	601	6	gneezy	gneezy	PROPN
fsr-3413	601	7	,	,	PUNCT
fsr-3413	601	8	a.	a.	NOUN
fsr-3413	601	9	(	(	PUNCT
fsr-3413	601	10	2007	2007	NUM
fsr-3413	601	11	)	)	PUNCT
fsr-3413	601	12	.	.	PUNCT
fsr-3413	602	1	the	the	DET
fsr-3413	602	2	framing	framing	NOUN
fsr-3413	602	3	of	of	ADP
fsr-3413	602	4	financial	financial	ADJ
fsr-3413	602	5	windfalls	windfall	NOUN
fsr-3413	602	6	and	and	CCONJ
fsr-3413	602	7	implications	implication	NOUN
fsr-3413	602	8	for	for	ADP
fsr-3413	602	9	public	public	ADJ
fsr-3413	602	10	policy	policy	NOUN
fsr-3413	602	11	.	.	PUNCT
fsr-3413	603	1	the	the	DET
fsr-3413	603	2	journal	journal	PROPN
fsr-3413	603	3	of	of	ADP
fsr-3413	603	4	socio	socio	NOUN
fsr-3413	603	5	-	-	PUNCT
fsr-3413	603	6	economics	economic	NOUN
fsr-3413	603	7	,	,	PUNCT
fsr-3413	603	8	36	36	NUM
fsr-3413	603	9	,	,	PUNCT
fsr-3413	603	10	36–47	36–47	NUM
fsr-3413	603	11	.	.	PUNCT
fsr-3413	603	12	fisher	fisher	PROPN
fsr-3413	603	13	,	,	PUNCT
fsr-3413	603	14	p.	p.	PROPN
fsr-3413	603	15	j.	j.	PROPN
fsr-3413	603	16	(	(	PUNCT
fsr-3413	603	17	2010	2010	NUM
fsr-3413	603	18	)	)	PUNCT
fsr-3413	603	19	.	.	PUNCT
fsr-3413	604	1	black	black	ADJ
fsr-3413	604	2	-	-	PUNCT
fsr-3413	604	3	white	white	ADJ
fsr-3413	604	4	differences	difference	NOUN
fsr-3413	604	5	in	in	ADP
fsr-3413	604	6	saving	save	VERB
fsr-3413	604	7	behaviors	behavior	NOUN
fsr-3413	604	8	.	.	PUNCT
fsr-3413	605	1	financial	financial	ADJ
fsr-3413	605	2	services	service	NOUN
fsr-3413	605	3	review	review	PROPN
fsr-3413	605	4	,	,	PUNCT
fsr-3413	605	5	19	19	NUM
fsr-3413	605	6	,	,	PUNCT
fsr-3413	605	7	1–16	1–16	NOUN
fsr-3413	605	8	.	.	PUNCT
fsr-3413	606	1	fisher	fisher	PROPN
fsr-3413	606	2	,	,	PUNCT
fsr-3413	606	3	p.	p.	PROPN
fsr-3413	606	4	j.	j.	PROPN
fsr-3413	606	5	,	,	PUNCT
fsr-3413	606	6	hayhoe	hayhoe	PROPN
fsr-3413	606	7	,	,	PUNCT
fsr-3413	606	8	c.	c.	PROPN
fsr-3413	606	9	r.	r.	PROPN
fsr-3413	606	10	,	,	PUNCT
fsr-3413	606	11	&	&	CCONJ
fsr-3413	606	12	lown	lown	PROPN
fsr-3413	606	13	,	,	PUNCT
fsr-3413	606	14	j.	j.	PROPN
fsr-3413	606	15	m.	m.	PROPN
fsr-3413	606	16	(	(	PUNCT
fsr-3413	606	17	2015	2015	NUM
fsr-3413	606	18	)	)	PUNCT
fsr-3413	606	19	.	.	PUNCT
fsr-3413	607	1	gender	gender	NOUN
fsr-3413	607	2	differences	difference	NOUN
fsr-3413	607	3	in	in	ADP
fsr-3413	607	4	saving	save	VERB
fsr-3413	607	5	behaviors	behavior	NOUN
fsr-3413	607	6	among	among	ADP
fsr-3413	607	7	lowto	lowto	PROPN
fsr-3413	607	8	moderate	moderate	ADJ
fsr-3413	607	9	income	income	NOUN
fsr-3413	607	10	households	household	NOUN
fsr-3413	607	11	.	.	PUNCT
fsr-3413	608	1	financial	financial	ADJ
fsr-3413	608	2	services	service	NOUN
fsr-3413	608	3	review	review	PROPN
fsr-3413	608	4	,	,	PUNCT
fsr-3413	608	5	24	24	NUM
fsr-3413	608	6	,	,	PUNCT
fsr-3413	608	7	1–13	1–13	PROPN
fsr-3413	608	8	.	.	PUNCT
fsr-3413	609	1	frederick	frederick	PROPN
fsr-3413	609	2	,	,	PUNCT
fsr-3413	609	3	s.	s.	PROPN
fsr-3413	609	4	(	(	PUNCT
fsr-3413	609	5	2005	2005	NUM
fsr-3413	609	6	)	)	PUNCT
fsr-3413	609	7	.	.	PUNCT
fsr-3413	610	1	cognitive	cognitive	ADJ
fsr-3413	610	2	reflection	reflection	NOUN
fsr-3413	610	3	and	and	CCONJ
fsr-3413	610	4	decision	decision	NOUN
fsr-3413	610	5	making	making	NOUN
fsr-3413	610	6	.	.	PUNCT
fsr-3413	611	1	the	the	DET
fsr-3413	611	2	journal	journal	NOUN
fsr-3413	611	3	of	of	ADP
fsr-3413	611	4	economic	economic	ADJ
fsr-3413	611	5	perspectives	perspective	NOUN
fsr-3413	611	6	,	,	PUNCT
fsr-3413	611	7	19	19	NUM
fsr-3413	611	8	,	,	PUNCT
fsr-3413	611	9	25–42	25–42	NUM
fsr-3413	611	10	.	.	PUNCT
fsr-3413	612	1	friedman	friedman	PROPN
fsr-3413	612	2	,	,	PUNCT
fsr-3413	612	3	m.	m.	NOUN
fsr-3413	612	4	(	(	PUNCT
fsr-3413	612	5	1957	1957	NUM
fsr-3413	612	6	)	)	PUNCT
fsr-3413	612	7	.	.	PUNCT
fsr-3413	613	1	a	a	DET
fsr-3413	613	2	theory	theory	NOUN
fsr-3413	613	3	of	of	ADP
fsr-3413	613	4	the	the	DET
fsr-3413	613	5	consumption	consumption	NOUN
fsr-3413	613	6	function	function	NOUN
fsr-3413	613	7	.	.	PUNCT
fsr-3413	614	1	princeton	princeton	PROPN
fsr-3413	614	2	,	,	PUNCT
fsr-3413	614	3	nj	nj	PROPN
fsr-3413	614	4	:	:	PUNCT
fsr-3413	614	5	national	national	PROPN
fsr-3413	614	6	bureau	bureau	PROPN
fsr-3413	614	7	of	of	ADP
fsr-3413	614	8	economic	economic	ADJ
fsr-3413	614	9	research	research	NOUN
fsr-3413	614	10	.	.	PUNCT
fsr-3413	615	1	heath	heath	PROPN
fsr-3413	615	2	,	,	PUNCT
fsr-3413	615	3	c.	c.	PROPN
fsr-3413	615	4	,	,	PUNCT
fsr-3413	615	5	&	&	CCONJ
fsr-3413	615	6	soll	soll	PROPN
fsr-3413	615	7	,	,	PUNCT
fsr-3413	615	8	j.	j.	PROPN
fsr-3413	615	9	b.	b.	PROPN
fsr-3413	615	10	(	(	PUNCT
fsr-3413	615	11	1996	1996	NUM
fsr-3413	615	12	)	)	PUNCT
fsr-3413	615	13	.	.	PUNCT
fsr-3413	616	1	mental	mental	ADJ
fsr-3413	616	2	accounting	accounting	NOUN
fsr-3413	616	3	and	and	CCONJ
fsr-3413	616	4	consumer	consumer	NOUN
fsr-3413	616	5	decisions	decision	NOUN
fsr-3413	616	6	.	.	PUNCT
fsr-3413	617	1	journal	journal	NOUN
fsr-3413	617	2	of	of	ADP
fsr-3413	617	3	consumer	consumer	NOUN
fsr-3413	617	4	research	research	NOUN
fsr-3413	617	5	,	,	PUNCT
fsr-3413	617	6	23	23	NUM
fsr-3413	617	7	,	,	PUNCT
fsr-3413	617	8	40–52	40–52	NUM
fsr-3413	617	9	.	.	PUNCT
fsr-3413	618	1	henderson	henderson	PROPN
fsr-3413	618	2	,	,	PUNCT
fsr-3413	618	3	p.	p.	PROPN
fsr-3413	618	4	w.	w.	PROPN
fsr-3413	618	5	,	,	PUNCT
fsr-3413	618	6	&	&	CCONJ
fsr-3413	618	7	peterson	peterson	PROPN
fsr-3413	618	8	,	,	PUNCT
fsr-3413	618	9	r.	r.	PROPN
fsr-3413	618	10	a.	a.	PROPN
fsr-3413	618	11	(	(	PUNCT
fsr-3413	618	12	1992	1992	NUM
fsr-3413	618	13	)	)	PUNCT
fsr-3413	618	14	.	.	PUNCT
fsr-3413	619	1	mental	mental	ADJ
fsr-3413	619	2	accounting	accounting	NOUN
fsr-3413	619	3	and	and	CCONJ
fsr-3413	619	4	categorization	categorization	NOUN
fsr-3413	619	5	.	.	PUNCT
fsr-3413	620	1	organizational	organizational	ADJ
fsr-3413	620	2	behavior	behavior	NOUN
fsr-3413	620	3	and	and	CCONJ
fsr-3413	620	4	human	human	ADJ
fsr-3413	620	5	decision	decision	NOUN
fsr-3413	620	6	processes	process	NOUN
fsr-3413	620	7	,	,	PUNCT
fsr-3413	620	8	51	51	NUM
fsr-3413	620	9	,	,	PUNCT
fsr-3413	620	10	92–117	92–117	PROPN
fsr-3413	620	11	.	.	PUNCT
fsr-3413	620	12	hershfield	hershfield	PROPN
fsr-3413	620	13	,	,	PUNCT
fsr-3413	620	14	h.	h.	PROPN
fsr-3413	620	15	e.	e.	PROPN
fsr-3413	620	16	,	,	PUNCT
fsr-3413	620	17	sussman	sussman	PROPN
fsr-3413	620	18	,	,	PUNCT
fsr-3413	620	19	a.	a.	PROPN
fsr-3413	620	20	b.	b.	PROPN
fsr-3413	620	21	,	,	PUNCT
fsr-3413	620	22	rourke	rourke	PROPN
fsr-3413	620	23	,	,	PUNCT
fsr-3413	620	24	l.	l.	PROPN
fsr-3413	620	25	o.	o.	PROPN
fsr-3413	620	26	,	,	PUNCT
fsr-3413	620	27	&	&	CCONJ
fsr-3413	620	28	bryan	bryan	PROPN
fsr-3413	620	29	,	,	PUNCT
fsr-3413	620	30	c.	c.	PROPN
fsr-3413	620	31	j.	j.	PROPN
fsr-3413	620	32	(	(	PUNCT
fsr-3413	620	33	2015	2015	NUM
fsr-3413	620	34	)	)	PUNCT
fsr-3413	620	35	.	.	PUNCT
fsr-3413	621	1	leveraging	leverage	VERB
fsr-3413	621	2	psychological	psychological	ADJ
fsr-3413	621	3	insights	insight	NOUN
fsr-3413	621	4	to	to	PART
fsr-3413	621	5	encourage	encourage	VERB
fsr-3413	621	6	the	the	DET
fsr-3413	621	7	responsible	responsible	ADJ
fsr-3413	621	8	use	use	NOUN
fsr-3413	621	9	of	of	ADP
fsr-3413	621	10	consumer	consumer	NOUN
fsr-3413	621	11	debt	debt	NOUN
fsr-3413	621	12	.	.	PUNCT
fsr-3413	622	1	perspectives	perspective	NOUN
fsr-3413	622	2	on	on	ADP
fsr-3413	622	3	psychological	psychological	ADJ
fsr-3413	622	4	science	science	NOUN
fsr-3413	622	5	,	,	PUNCT
fsr-3413	622	6	10	10	NUM
fsr-3413	622	7	,	,	PUNCT
fsr-3413	622	8	749–752	749–752	NUM
fsr-3413	622	9	.	.	PUNCT
fsr-3413	623	1	hsieh	hsieh	PROPN
fsr-3413	623	2	,	,	PUNCT
fsr-3413	623	3	c.	c.	PROPN
fsr-3413	623	4	(	(	PUNCT
fsr-3413	623	5	2003	2003	NUM
fsr-3413	623	6	)	)	PUNCT
fsr-3413	623	7	.	.	PUNCT
fsr-3413	624	1	do	do	AUX
fsr-3413	624	2	consumers	consumer	NOUN
fsr-3413	624	3	react	react	VERB
fsr-3413	624	4	to	to	ADP
fsr-3413	624	5	anticipated	anticipate	VERB
fsr-3413	624	6	income	income	NOUN
fsr-3413	624	7	changes	change	NOUN
fsr-3413	624	8	?	?	PUNCT
fsr-3413	625	1	evidence	evidence	NOUN
fsr-3413	625	2	from	from	ADP
fsr-3413	625	3	the	the	DET
fsr-3413	625	4	alaska	alaska	NOUN
fsr-3413	625	5	permanent	permanent	ADJ
fsr-3413	625	6	fund	fund	NOUN
fsr-3413	625	7	.	.	PUNCT
fsr-3413	626	1	the	the	DET
fsr-3413	626	2	american	american	PROPN
fsr-3413	626	3	economic	economic	PROPN
fsr-3413	626	4	review	review	PROPN
fsr-3413	626	5	,	,	PUNCT
fsr-3413	626	6	93	93	NUM
fsr-3413	626	7	,	,	PUNCT
fsr-3413	626	8	397–405	397–405	NUM
fsr-3413	626	9	.	.	PUNCT
fsr-3413	627	1	johnson	johnson	PROPN
fsr-3413	627	2	,	,	PUNCT
fsr-3413	627	3	d.	d.	PROPN
fsr-3413	627	4	s.	s.	PROPN
fsr-3413	627	5	,	,	PUNCT
fsr-3413	627	6	parker	parker	PROPN
fsr-3413	627	7	,	,	PUNCT
fsr-3413	627	8	j.	j.	PROPN
fsr-3413	627	9	a.	a.	PROPN
fsr-3413	627	10	,	,	PUNCT
fsr-3413	627	11	&	&	CCONJ
fsr-3413	627	12	souleles	souleles	PROPN
fsr-3413	627	13	,	,	PUNCT
fsr-3413	627	14	n.	n.	PROPN
fsr-3413	627	15	s.	s.	PROPN
fsr-3413	627	16	(	(	PUNCT
fsr-3413	627	17	2006	2006	NUM
fsr-3413	627	18	)	)	PUNCT
fsr-3413	627	19	.	.	PUNCT
fsr-3413	628	1	household	household	NOUN
fsr-3413	628	2	expenditure	expenditure	NOUN
fsr-3413	628	3	and	and	CCONJ
fsr-3413	628	4	the	the	DET
fsr-3413	628	5	income	income	NOUN
fsr-3413	628	6	tax	tax	NOUN
fsr-3413	628	7	rebates	rebate	NOUN
fsr-3413	628	8	of	of	ADP
fsr-3413	628	9	2001	2001	NUM
fsr-3413	628	10	.	.	PUNCT
fsr-3413	629	1	american	american	PROPN
fsr-3413	629	2	economic	economic	PROPN
fsr-3413	629	3	review	review	PROPN
fsr-3413	629	4	,	,	PUNCT
fsr-3413	629	5	96	96	NUM
fsr-3413	629	6	,	,	PUNCT
fsr-3413	629	7	1589–1610	1589–1610	NUM
fsr-3413	629	8	.	.	PUNCT
fsr-3413	630	1	karlsson	karlsson	PROPN
fsr-3413	630	2	,	,	PUNCT
fsr-3413	630	3	n.	n.	NOUN
fsr-3413	630	4	,	,	PUNCT
fsr-3413	630	5	gärling	gärling	NOUN
fsr-3413	630	6	,	,	PUNCT
fsr-3413	630	7	t.	t.	PROPN
fsr-3413	630	8	,	,	PUNCT
fsr-3413	630	9	&	&	CCONJ
fsr-3413	630	10	selart	selart	PROPN
fsr-3413	630	11	,	,	PUNCT
fsr-3413	630	12	m.	m.	NOUN
fsr-3413	630	13	(	(	PUNCT
fsr-3413	630	14	1999	1999	NUM
fsr-3413	630	15	)	)	PUNCT
fsr-3413	630	16	.	.	PUNCT
fsr-3413	631	1	explanations	explanation	NOUN
fsr-3413	631	2	of	of	ADP
fsr-3413	631	3	effects	effect	NOUN
fsr-3413	631	4	of	of	ADP
fsr-3413	631	5	prior	prior	ADJ
fsr-3413	631	6	income	income	NOUN
fsr-3413	631	7	changes	change	NOUN
fsr-3413	631	8	on	on	ADP
fsr-3413	631	9	buying	buy	VERB
fsr-3413	631	10	decisions	decision	NOUN
fsr-3413	631	11	.	.	PUNCT
fsr-3413	632	1	journal	journal	NOUN
fsr-3413	632	2	of	of	ADP
fsr-3413	632	3	economic	economic	ADJ
fsr-3413	632	4	psychology	psychology	NOUN
fsr-3413	632	5	,	,	PUNCT
fsr-3413	632	6	20	20	NUM
fsr-3413	632	7	,	,	PUNCT
fsr-3413	632	8	449–463	449–463	NUM
fsr-3413	632	9	.	.	PUNCT
fsr-3413	633	1	kreinin	kreinin	PROPN
fsr-3413	633	2	,	,	PUNCT
fsr-3413	633	3	m.	m.	PROPN
fsr-3413	633	4	e.	e.	PROPN
fsr-3413	633	5	(	(	PUNCT
fsr-3413	633	6	1961	1961	NUM
fsr-3413	633	7	)	)	PUNCT
fsr-3413	633	8	.	.	PUNCT
fsr-3413	634	1	windfall	windfall	NOUN
fsr-3413	634	2	income	income	NOUN
fsr-3413	634	3	and	and	CCONJ
fsr-3413	634	4	consumption	consumption	NOUN
fsr-3413	634	5	:	:	PUNCT
fsr-3413	634	6	additional	additional	ADJ
fsr-3413	634	7	evidences	evidence	NOUN
fsr-3413	634	8	.	.	PUNCT
fsr-3413	635	1	the	the	DET
fsr-3413	635	2	american	american	PROPN
fsr-3413	635	3	economic	economic	PROPN
fsr-3413	635	4	review	review	PROPN
fsr-3413	635	5	,	,	PUNCT
fsr-3413	635	6	51	51	NUM
fsr-3413	635	7	,	,	PUNCT
fsr-3413	635	8	388–390	388–390	NUM
fsr-3413	635	9	.	.	PUNCT
fsr-3413	636	1	levav	levav	PROPN
fsr-3413	636	2	,	,	PUNCT
fsr-3413	636	3	j.	j.	PROPN
fsr-3413	636	4	,	,	PUNCT
fsr-3413	636	5	&	&	CCONJ
fsr-3413	636	6	mcgraw	mcgraw	PROPN
fsr-3413	636	7	,	,	PUNCT
fsr-3413	636	8	p.	p.	NOUN
fsr-3413	636	9	(	(	PUNCT
fsr-3413	636	10	2009	2009	NUM
fsr-3413	636	11	)	)	PUNCT
fsr-3413	636	12	.	.	PUNCT
fsr-3413	637	1	emotional	emotional	ADJ
fsr-3413	637	2	accounting	accounting	NOUN
fsr-3413	637	3	:	:	PUNCT
fsr-3413	637	4	how	how	SCONJ
fsr-3413	637	5	feelings	feeling	NOUN
fsr-3413	637	6	about	about	ADP
fsr-3413	637	7	money	money	NOUN
fsr-3413	637	8	influence	influence	NOUN
fsr-3413	637	9	consumer	consumer	NOUN
fsr-3413	637	10	choice	choice	NOUN
fsr-3413	637	11	.	.	PUNCT
fsr-3413	638	1	journal	journal	NOUN
fsr-3413	638	2	of	of	ADP
fsr-3413	638	3	marketing	marketing	NOUN
fsr-3413	638	4	research	research	NOUN
fsr-3413	638	5	,	,	PUNCT
fsr-3413	638	6	46	46	NUM
fsr-3413	638	7	,	,	PUNCT
fsr-3413	638	8	66–80	66–80	NUM
fsr-3413	638	9	.	.	PUNCT
fsr-3413	639	1	meekin	meekin	PROPN
fsr-3413	639	2	,	,	PUNCT
fsr-3413	639	3	k.	k.	PROPN
fsr-3413	639	4	e.	e.	PROPN
fsr-3413	639	5	,	,	PUNCT
fsr-3413	639	6	tach	tach	PROPN
fsr-3413	639	7	,	,	PUNCT
fsr-3413	639	8	l.	l.	PROPN
fsr-3413	639	9	,	,	PUNCT
fsr-3413	639	10	&	&	CCONJ
fsr-3413	639	11	sykes	sykes	PROPN
fsr-3413	639	12	,	,	PUNCT
fsr-3413	639	13	j.	j.	PROPN
fsr-3413	639	14	(	(	PUNCT
fsr-3413	639	15	2015	2015	NUM
fsr-3413	639	16	)	)	PUNCT
fsr-3413	639	17	.	.	PUNCT
fsr-3413	640	1	it	it	PRON
fsr-3413	640	2	’s	’	VERB
fsr-3413	640	3	not	not	PART
fsr-3413	640	4	like	like	SCONJ
fsr-3413	640	5	i	i	PRON
fsr-3413	640	6	’m	’m	VERB
fsr-3413	640	7	poor	poor	ADJ
fsr-3413	640	8	:	:	PUNCT
fsr-3413	640	9	how	how	SCONJ
fsr-3413	640	10	working	working	ADJ
fsr-3413	640	11	families	family	NOUN
fsr-3413	640	12	make	make	VERB
fsr-3413	640	13	ends	end	NOUN
fsr-3413	640	14	meet	meet	VERB
fsr-3413	640	15	in	in	ADP
fsr-3413	640	16	a	a	DET
fsr-3413	640	17	post	post	ADJ
fsr-3413	640	18	-	-	ADJ
fsr-3413	640	19	welfare	welfare	ADJ
fsr-3413	640	20	world	world	NOUN
fsr-3413	640	21	.	.	PUNCT
fsr-3413	641	1	berkeley	berkeley	PROPN
fsr-3413	641	2	,	,	PUNCT
fsr-3413	641	3	ca	ca	PROPN
fsr-3413	641	4	:	:	PUNCT
fsr-3413	641	5	university	university	PROPN
fsr-3413	641	6	of	of	ADP
fsr-3413	641	7	california	california	PROPN
fsr-3413	641	8	press	press	PROPN
fsr-3413	641	9	.	.	PUNCT
fsr-3413	642	1	milkman	milkman	PROPN
fsr-3413	642	2	,	,	PUNCT
fsr-3413	642	3	k.	k.	PROPN
fsr-3413	642	4	l.	l.	PROPN
fsr-3413	642	5	,	,	PUNCT
fsr-3413	642	6	&	&	CCONJ
fsr-3413	642	7	beshears	beshear	NOUN
fsr-3413	642	8	,	,	PUNCT
fsr-3413	642	9	j.	j.	PROPN
fsr-3413	642	10	(	(	PUNCT
fsr-3413	642	11	2009	2009	NUM
fsr-3413	642	12	)	)	PUNCT
fsr-3413	642	13	.	.	PUNCT
fsr-3413	643	1	mental	mental	ADJ
fsr-3413	643	2	accounting	accounting	NOUN
fsr-3413	643	3	and	and	CCONJ
fsr-3413	643	4	small	small	ADJ
fsr-3413	643	5	windfalls	windfall	NOUN
fsr-3413	643	6	:	:	PUNCT
fsr-3413	643	7	evidence	evidence	NOUN
fsr-3413	643	8	from	from	ADP
fsr-3413	643	9	an	an	DET
fsr-3413	643	10	online	online	ADJ
fsr-3413	643	11	grocer	grocer	NOUN
fsr-3413	643	12	.	.	PUNCT
fsr-3413	644	1	journal	journal	PROPN
fsr-3413	644	2	of	of	ADP
fsr-3413	644	3	economic	economic	ADJ
fsr-3413	644	4	behavior	behavior	NOUN
fsr-3413	644	5	&	&	CCONJ
fsr-3413	644	6	organization	organization	PROPN
fsr-3413	644	7	,	,	PUNCT
fsr-3413	644	8	71	71	NUM
fsr-3413	644	9	,	,	PUNCT
fsr-3413	644	10	384–394	384–394	NUM
fsr-3413	644	11	.	.	PUNCT
fsr-3413	645	1	(	(	PUNCT
fsr-3413	645	2	available	available	ADJ
fsr-3413	645	3	at	at	ADP
fsr-3413	645	4	https://manowar.tamucc.edu/	https://manowar.tamucc.edu/	PROPN
fsr-3413	645	5	login?url	login?url	PROPN
fsr-3413	645	6	�	�	PROPN
fsr-3413	645	7	http://search.proquest.com	http://search.proquest.com	X
fsr-3413	645	8	/	/	SYM
fsr-3413	645	9	docview/230848483?accountid	docview/230848483?accountid	NOUN
fsr-3413	645	10	�	�	NOUN
fsr-3413	645	11	7084	7084	NUM
fsr-3413	645	12	)	)	PUNCT
fsr-3413	645	13	mullainathan	mullainathan	PROPN
fsr-3413	645	14	,	,	PUNCT
fsr-3413	645	15	s.	s.	PROPN
fsr-3413	645	16	,	,	PUNCT
fsr-3413	645	17	&	&	CCONJ
fsr-3413	645	18	shafir	shafir	PROPN
fsr-3413	645	19	,	,	PUNCT
fsr-3413	645	20	e.	e.	PROPN
fsr-3413	645	21	(	(	PUNCT
fsr-3413	645	22	2013	2013	NUM
fsr-3413	645	23	)	)	PUNCT
fsr-3413	645	24	.	.	PUNCT
fsr-3413	646	1	scarcity	scarcity	NOUN
fsr-3413	646	2	:	:	PUNCT
fsr-3413	646	3	why	why	SCONJ
fsr-3413	646	4	having	have	VERB
fsr-3413	646	5	too	too	ADV
fsr-3413	646	6	little	little	ADJ
fsr-3413	646	7	means	mean	NOUN
fsr-3413	646	8	so	so	ADV
fsr-3413	646	9	much	much	ADJ
fsr-3413	646	10	.	.	PUNCT
fsr-3413	647	1	london	london	PROPN
fsr-3413	647	2	:	:	PUNCT
fsr-3413	647	3	macmillan	macmillan	PROPN
fsr-3413	647	4	.	.	PUNCT
fsr-3413	648	1	o’curry	o’curry	PROPN
fsr-3413	648	2	,	,	PUNCT
fsr-3413	648	3	s.	s.	PROPN
fsr-3413	648	4	(	(	PUNCT
fsr-3413	648	5	1999	1999	NUM
fsr-3413	648	6	)	)	PUNCT
fsr-3413	648	7	.	.	PUNCT
fsr-3413	649	1	income	income	NOUN
fsr-3413	649	2	source	source	NOUN
fsr-3413	649	3	effects	effect	NOUN
fsr-3413	649	4	.	.	PUNCT
fsr-3413	650	1	unpublished	unpublished	ADJ
fsr-3413	650	2	working	working	NOUN
fsr-3413	650	3	paper	paper	NOUN
fsr-3413	650	4	,	,	PUNCT
fsr-3413	650	5	depaul	depaul	PROPN
fsr-3413	650	6	university	university	NOUN
fsr-3413	650	7	.	.	PUNCT
fsr-3413	651	1	33e	33e	NOUN
fsr-3413	651	2	.	.	PUNCT
fsr-3413	652	1	bland	bland	ADJ
fsr-3413	652	2	,	,	PUNCT
fsr-3413	652	3	v.	v.	ADP
fsr-3413	652	4	chambers	chambers	PROPN
fsr-3413	652	5	/	/	SYM
fsr-3413	652	6	financial	financial	ADJ
fsr-3413	652	7	services	service	NOUN
fsr-3413	652	8	review	review	VERB
fsr-3413	652	9	28	28	NUM
fsr-3413	652	10	(	(	PUNCT
fsr-3413	652	11	2020	2020	NUM
fsr-3413	652	12	)	)	PUNCT
fsr-3413	652	13	17	17	NUM
fsr-3413	652	14	-	-	SYM
fsr-3413	652	15	34	34	NUM
fsr-3413	652	16	o’curry	o’curry	PROPN
fsr-3413	652	17	,	,	PUNCT
fsr-3413	652	18	s.	s.	PROPN
fsr-3413	652	19	,	,	PUNCT
fsr-3413	652	20	&	&	CCONJ
fsr-3413	652	21	strahilevitz	strahilevitz	PROPN
fsr-3413	652	22	,	,	PUNCT
fsr-3413	652	23	m.	m.	NOUN
fsr-3413	652	24	(	(	PUNCT
fsr-3413	652	25	2001	2001	NUM
fsr-3413	652	26	)	)	PUNCT
fsr-3413	652	27	.	.	PUNCT
fsr-3413	653	1	probability	probability	NOUN
fsr-3413	653	2	and	and	CCONJ
fsr-3413	653	3	mode	mode	NOUN
fsr-3413	653	4	of	of	ADP
fsr-3413	653	5	acquisition	acquisition	NOUN
fsr-3413	653	6	effects	effect	NOUN
fsr-3413	653	7	on	on	ADP
fsr-3413	653	8	choices	choice	NOUN
fsr-3413	653	9	between	between	ADP
fsr-3413	653	10	hedonic	hedonic	ADJ
fsr-3413	653	11	and	and	CCONJ
fsr-3413	653	12	utilitarian	utilitarian	ADJ
fsr-3413	653	13	options	option	NOUN
fsr-3413	653	14	.	.	PUNCT
fsr-3413	654	1	marketing	marketing	NOUN
fsr-3413	654	2	letters	letter	NOUN
fsr-3413	654	3	,	,	PUNCT
fsr-3413	654	4	12	12	NUM
fsr-3413	654	5	,	,	PUNCT
fsr-3413	654	6	37–49	37–49	NUM
fsr-3413	654	7	.	.	PUNCT
fsr-3413	655	1	parker	parker	PROPN
fsr-3413	655	2	,	,	PUNCT
fsr-3413	655	3	j.	j.	PROPN
fsr-3413	655	4	(	(	PUNCT
fsr-3413	655	5	1999	1999	NUM
fsr-3413	655	6	)	)	PUNCT
fsr-3413	655	7	.	.	PUNCT
fsr-3413	656	1	the	the	DET
fsr-3413	656	2	reaction	reaction	NOUN
fsr-3413	656	3	of	of	ADP
fsr-3413	656	4	household	household	NOUN
fsr-3413	656	5	consumption	consumption	NOUN
fsr-3413	656	6	to	to	ADP
fsr-3413	656	7	predictable	predictable	ADJ
fsr-3413	656	8	changes	change	NOUN
fsr-3413	656	9	in	in	ADP
fsr-3413	656	10	social	social	ADJ
fsr-3413	656	11	security	security	NOUN
fsr-3413	656	12	taxes	taxis	NOUN
fsr-3413	656	13	.	.	PUNCT
fsr-3413	657	1	american	american	PROPN
fsr-3413	657	2	economic	economic	PROPN
fsr-3413	657	3	review	review	PROPN
fsr-3413	657	4	,	,	PUNCT
fsr-3413	657	5	89	89	NUM
fsr-3413	657	6	,	,	PUNCT
fsr-3413	657	7	959–973	959–973	NUM
fsr-3413	657	8	.	.	PUNCT
fsr-3413	658	1	read	read	NOUN
fsr-3413	658	2	,	,	PUNCT
fsr-3413	658	3	d.	d.	PROPN
fsr-3413	658	4	,	,	PUNCT
fsr-3413	658	5	loewenstein	loewenstein	PROPN
fsr-3413	658	6	,	,	PUNCT
fsr-3413	658	7	g.	g.	PROPN
fsr-3413	658	8	,	,	PUNCT
fsr-3413	658	9	&	&	CCONJ
fsr-3413	658	10	rabin	rabin	PROPN
fsr-3413	658	11	,	,	PUNCT
fsr-3413	658	12	m.	m.	NOUN
fsr-3413	658	13	(	(	PUNCT
fsr-3413	658	14	1999	1999	NUM
fsr-3413	658	15	)	)	PUNCT
fsr-3413	658	16	.	.	PUNCT
fsr-3413	659	1	choice	choice	NOUN
fsr-3413	659	2	bracketing	bracketing	NOUN
fsr-3413	659	3	.	.	PUNCT
fsr-3413	660	1	journal	journal	NOUN
fsr-3413	660	2	of	of	ADP
fsr-3413	660	3	risk	risk	NOUN
fsr-3413	660	4	and	and	CCONJ
fsr-3413	660	5	uncertainty	uncertainty	NOUN
fsr-3413	660	6	,	,	PUNCT
fsr-3413	660	7	19	19	NUM
fsr-3413	660	8	,	,	PUNCT
fsr-3413	660	9	1–3	1–3	NUM
fsr-3413	660	10	,	,	PUNCT
fsr-3413	660	11	171–197	171–197	NUM
fsr-3413	660	12	.	.	PUNCT
fsr-3413	661	1	rizzo	rizzo	PROPN
fsr-3413	661	2	,	,	PUNCT
fsr-3413	661	3	j.	j.	PROPN
fsr-3413	661	4	a.	a.	PROPN
fsr-3413	661	5	,	,	PUNCT
fsr-3413	661	6	&	&	CCONJ
fsr-3413	661	7	zeckhauser	zeckhauser	PROPN
fsr-3413	661	8	,	,	PUNCT
fsr-3413	661	9	r.	r.	PROPN
fsr-3413	661	10	j.	j.	PROPN
fsr-3413	661	11	(	(	PUNCT
fsr-3413	661	12	2003	2003	NUM
fsr-3413	661	13	)	)	PUNCT
fsr-3413	661	14	.	.	PUNCT
fsr-3413	662	1	reference	reference	NOUN
fsr-3413	662	2	incomes	income	NOUN
fsr-3413	662	3	,	,	PUNCT
fsr-3413	662	4	loss	loss	NOUN
fsr-3413	662	5	aversion	aversion	NOUN
fsr-3413	662	6	,	,	PUNCT
fsr-3413	662	7	and	and	CCONJ
fsr-3413	662	8	physician	physician	NOUN
fsr-3413	662	9	behavior	behavior	NOUN
fsr-3413	662	10	.	.	PUNCT
fsr-3413	663	1	the	the	DET
fsr-3413	663	2	review	review	NOUN
fsr-3413	663	3	of	of	ADP
fsr-3413	663	4	economics	economic	NOUN
fsr-3413	663	5	and	and	CCONJ
fsr-3413	663	6	statistics	statistic	NOUN
fsr-3413	663	7	,	,	PUNCT
fsr-3413	663	8	85	85	NUM
fsr-3413	663	9	,	,	PUNCT
fsr-3413	663	10	909–922	909–922	NUM
fsr-3413	663	11	.	.	PUNCT
fsr-3413	664	1	rucker	rucker	PROPN
fsr-3413	664	2	,	,	PUNCT
fsr-3413	664	3	m.	m.	NOUN
fsr-3413	664	4	h.	h.	PROPN
fsr-3413	664	5	(	(	PUNCT
fsr-3413	664	6	1984	1984	NUM
fsr-3413	664	7	)	)	PUNCT
fsr-3413	664	8	.	.	PUNCT
fsr-3413	665	1	allocation	allocation	NOUN
fsr-3413	665	2	of	of	ADP
fsr-3413	665	3	windfall	windfall	NOUN
fsr-3413	665	4	income	income	NOUN
fsr-3413	665	5	:	:	PUNCT
fsr-3413	665	6	a	a	DET
fsr-3413	665	7	case	case	NOUN
fsr-3413	665	8	study	study	NOUN
fsr-3413	665	9	of	of	ADP
fsr-3413	665	10	a	a	DET
fsr-3413	665	11	retroactive	retroactive	ADJ
fsr-3413	665	12	pay	pay	NOUN
fsr-3413	665	13	increase	increase	NOUN
fsr-3413	665	14	to	to	ADP
fsr-3413	665	15	university	university	NOUN
fsr-3413	665	16	employees	employee	NOUN
fsr-3413	665	17	.	.	PUNCT
fsr-3413	666	1	the	the	DET
fsr-3413	666	2	journal	journal	NOUN
fsr-3413	666	3	of	of	ADP
fsr-3413	666	4	consumer	consumer	NOUN
fsr-3413	666	5	affairs	affair	NOUN
fsr-3413	666	6	,	,	PUNCT
fsr-3413	666	7	18	18	NUM
fsr-3413	666	8	,	,	PUNCT
fsr-3413	666	9	101–118	101–118	NUM
fsr-3413	666	10	.	.	PUNCT
fsr-3413	666	11	sahm	sahm	PROPN
fsr-3413	666	12	,	,	PUNCT
fsr-3413	666	13	c.	c.	PROPN
fsr-3413	666	14	r.	r.	PROPN
fsr-3413	666	15	,	,	PUNCT
fsr-3413	666	16	shapiro	shapiro	PROPN
fsr-3413	666	17	,	,	PUNCT
fsr-3413	666	18	m.	m.	PROPN
fsr-3413	666	19	d.	d.	PROPN
fsr-3413	666	20	,	,	PUNCT
fsr-3413	666	21	&	&	CCONJ
fsr-3413	666	22	slemrod	slemrod	PROPN
fsr-3413	666	23	,	,	PUNCT
fsr-3413	666	24	j.	j.	PROPN
fsr-3413	666	25	(	(	PUNCT
fsr-3413	666	26	2012	2012	NUM
fsr-3413	666	27	)	)	PUNCT
fsr-3413	666	28	.	.	PUNCT
fsr-3413	667	1	check	check	VERB
fsr-3413	667	2	in	in	ADP
fsr-3413	667	3	the	the	DET
fsr-3413	667	4	mail	mail	NOUN
fsr-3413	667	5	or	or	CCONJ
fsr-3413	667	6	more	more	ADJ
fsr-3413	667	7	in	in	ADP
fsr-3413	667	8	the	the	DET
fsr-3413	667	9	paycheck	paycheck	NOUN
fsr-3413	667	10	:	:	PUNCT
fsr-3413	667	11	does	do	AUX
fsr-3413	667	12	the	the	DET
fsr-3413	667	13	effectiveness	effectiveness	NOUN
fsr-3413	667	14	of	of	ADP
fsr-3413	667	15	fiscal	fiscal	ADJ
fsr-3413	667	16	stimulus	stimulus	NOUN
fsr-3413	667	17	depend	depend	VERB
fsr-3413	667	18	on	on	ADP
fsr-3413	667	19	how	how	SCONJ
fsr-3413	667	20	it	it	PRON
fsr-3413	667	21	is	be	AUX
fsr-3413	667	22	delivered	deliver	VERB
fsr-3413	667	23	?	?	PUNCT
fsr-3413	668	1	american	american	ADJ
fsr-3413	668	2	economic	economic	PROPN
fsr-3413	668	3	journal	journal	PROPN
fsr-3413	668	4	-	-	PUNCT
fsr-3413	668	5	economic	economic	ADJ
fsr-3413	668	6	policy	policy	NOUN
fsr-3413	668	7	,	,	PUNCT
fsr-3413	668	8	4	4	NUM
fsr-3413	668	9	,	,	PUNCT
fsr-3413	668	10	216–250	216–250	NUM
fsr-3413	668	11	.	.	PUNCT
fsr-3413	669	1	shapiro	shapiro	PROPN
fsr-3413	669	2	,	,	PUNCT
fsr-3413	669	3	m.	m.	NOUN
fsr-3413	669	4	d.	d.	PROPN
fsr-3413	669	5	,	,	PUNCT
fsr-3413	669	6	&	&	CCONJ
fsr-3413	669	7	slemrod	slemrod	PROPN
fsr-3413	669	8	,	,	PUNCT
fsr-3413	669	9	j.	j.	PROPN
fsr-3413	669	10	(	(	PUNCT
fsr-3413	669	11	1995	1995	NUM
fsr-3413	669	12	)	)	PUNCT
fsr-3413	669	13	.	.	PUNCT
fsr-3413	670	1	consumer	consumer	NOUN
fsr-3413	670	2	response	response	NOUN
fsr-3413	670	3	to	to	ADP
fsr-3413	670	4	the	the	DET
fsr-3413	670	5	timing	timing	NOUN
fsr-3413	670	6	of	of	ADP
fsr-3413	670	7	income	income	NOUN
fsr-3413	670	8	:	:	PUNCT
fsr-3413	670	9	evidence	evidence	NOUN
fsr-3413	670	10	from	from	ADP
fsr-3413	670	11	a	a	DET
fsr-3413	670	12	change	change	NOUN
fsr-3413	670	13	in	in	ADP
fsr-3413	670	14	tax	tax	NOUN
fsr-3413	670	15	withholding	withholding	NOUN
fsr-3413	670	16	.	.	PUNCT
fsr-3413	671	1	american	american	PROPN
fsr-3413	671	2	economic	economic	PROPN
fsr-3413	671	3	review	review	PROPN
fsr-3413	671	4	,	,	PUNCT
fsr-3413	671	5	85	85	NUM
fsr-3413	671	6	,	,	PUNCT
fsr-3413	671	7	274–283	274–283	NUM
fsr-3413	671	8	.	.	PUNCT
fsr-3413	672	1	shaprio	shaprio	PROPN
fsr-3413	672	2	,	,	PUNCT
fsr-3413	672	3	m.	m.	NOUN
fsr-3413	672	4	d.	d.	PROPN
fsr-3413	672	5	,	,	PUNCT
fsr-3413	672	6	&	&	CCONJ
fsr-3413	672	7	slemrod	slemrod	PROPN
fsr-3413	672	8	,	,	PUNCT
fsr-3413	672	9	j.	j.	PROPN
fsr-3413	672	10	(	(	PUNCT
fsr-3413	672	11	2003	2003	NUM
fsr-3413	672	12	)	)	PUNCT
fsr-3413	672	13	.	.	PUNCT
fsr-3413	673	1	did	do	AUX
fsr-3413	673	2	the	the	DET
fsr-3413	673	3	2001	2001	NUM
fsr-3413	673	4	tax	tax	NOUN
fsr-3413	673	5	rebate	rebate	NOUN
fsr-3413	673	6	stimulate	stimulate	VERB
fsr-3413	673	7	spending	spending	NOUN
fsr-3413	673	8	?	?	PUNCT
fsr-3413	674	1	evidence	evidence	NOUN
fsr-3413	674	2	from	from	ADP
fsr-3413	674	3	taxpayer	taxpayer	NOUN
fsr-3413	674	4	surveys	survey	NOUN
fsr-3413	674	5	.	.	PUNCT
fsr-3413	675	1	in	in	ADP
fsr-3413	675	2	j.	j.	PROPN
fsr-3413	675	3	m.	m.	PROPN
fsr-3413	675	4	poterba	poterba	PROPN
fsr-3413	675	5	(	(	PUNCT
fsr-3413	675	6	ed	ed	NOUN
fsr-3413	675	7	.	.	PUNCT
fsr-3413	675	8	)	)	PUNCT
fsr-3413	675	9	,	,	PUNCT
fsr-3413	675	10	tax	tax	NOUN
fsr-3413	675	11	policy	policy	NOUN
fsr-3413	675	12	and	and	CCONJ
fsr-3413	675	13	the	the	DET
fsr-3413	675	14	economy	economy	NOUN
fsr-3413	675	15	(	(	PUNCT
fsr-3413	675	16	83–109	83–109	PROPN
fsr-3413	675	17	)	)	PUNCT
fsr-3413	675	18	.	.	PUNCT
fsr-3413	676	1	cambridge	cambridge	PROPN
fsr-3413	676	2	,	,	PUNCT
fsr-3413	676	3	ma	ma	PROPN
fsr-3413	676	4	:	:	PUNCT
fsr-3413	676	5	national	national	PROPN
fsr-3413	676	6	bureau	bureau	PROPN
fsr-3413	676	7	of	of	ADP
fsr-3413	676	8	economic	economic	ADJ
fsr-3413	676	9	research	research	NOUN
fsr-3413	676	10	and	and	CCONJ
fsr-3413	676	11	mit	mit	PROPN
fsr-3413	676	12	press	press	NOUN
fsr-3413	676	13	.	.	PUNCT
fsr-3413	677	1	shefrin	shefrin	NOUN
fsr-3413	677	2	,	,	PUNCT
fsr-3413	677	3	h.	h.	PROPN
fsr-3413	677	4	m.	m.	PROPN
fsr-3413	677	5	,	,	PUNCT
fsr-3413	677	6	&	&	CCONJ
fsr-3413	677	7	thaler	thaler	PROPN
fsr-3413	677	8	,	,	PUNCT
fsr-3413	677	9	r.	r.	PROPN
fsr-3413	677	10	h.	h.	PROPN
fsr-3413	677	11	(	(	PUNCT
fsr-3413	677	12	1988	1988	NUM
fsr-3413	677	13	)	)	PUNCT
fsr-3413	677	14	.	.	PUNCT
fsr-3413	678	1	the	the	DET
fsr-3413	678	2	behavioral	behavioral	ADJ
fsr-3413	678	3	life	life	NOUN
fsr-3413	678	4	-	-	PUNCT
fsr-3413	678	5	cycle	cycle	NOUN
fsr-3413	678	6	hypothesis	hypothesis	NOUN
fsr-3413	678	7	.	.	PUNCT
fsr-3413	679	1	economic	economic	ADJ
fsr-3413	679	2	inquiry	inquiry	NOUN
fsr-3413	679	3	,	,	PUNCT
fsr-3413	679	4	26	26	NUM
fsr-3413	679	5	,	,	PUNCT
fsr-3413	679	6	609–643	609–643	NUM
fsr-3413	679	7	.	.	PUNCT
fsr-3413	680	1	sheppard	sheppard	PROPN
fsr-3413	680	2	,	,	PUNCT
fsr-3413	680	3	b.	b.	PROPN
fsr-3413	680	4	,	,	PUNCT
fsr-3413	680	5	hartwick	hartwick	PROPN
fsr-3413	680	6	,	,	PUNCT
fsr-3413	680	7	j.	j.	PROPN
fsr-3413	680	8	,	,	PUNCT
fsr-3413	680	9	&	&	CCONJ
fsr-3413	680	10	warshaw	warshaw	PROPN
fsr-3413	680	11	,	,	PUNCT
fsr-3413	680	12	p.	p.	NOUN
fsr-3413	680	13	(	(	PUNCT
fsr-3413	680	14	1988	1988	NUM
fsr-3413	680	15	)	)	PUNCT
fsr-3413	680	16	.	.	PUNCT
fsr-3413	681	1	the	the	DET
fsr-3413	681	2	theory	theory	NOUN
fsr-3413	681	3	of	of	ADP
fsr-3413	681	4	reasoned	reasoned	ADJ
fsr-3413	681	5	action	action	NOUN
fsr-3413	681	6	:	:	PUNCT
fsr-3413	681	7	a	a	DET
fsr-3413	681	8	meta	meta	ADJ
fsr-3413	681	9	-	-	PUNCT
fsr-3413	681	10	analysis	analysis	NOUN
fsr-3413	681	11	of	of	ADP
fsr-3413	681	12	past	past	ADJ
fsr-3413	681	13	research	research	NOUN
fsr-3413	681	14	with	with	ADP
fsr-3413	681	15	recommendations	recommendation	NOUN
fsr-3413	681	16	for	for	ADP
fsr-3413	681	17	modifications	modification	NOUN
fsr-3413	681	18	and	and	CCONJ
fsr-3413	681	19	future	future	ADJ
fsr-3413	681	20	research	research	NOUN
fsr-3413	681	21	.	.	PUNCT
fsr-3413	682	1	journal	journal	NOUN
fsr-3413	682	2	of	of	ADP
fsr-3413	682	3	consumer	consumer	NOUN
fsr-3413	682	4	research	research	NOUN
fsr-3413	682	5	,	,	PUNCT
fsr-3413	682	6	15	15	NUM
fsr-3413	682	7	,	,	PUNCT
fsr-3413	682	8	325–343	325–343	NUM
fsr-3413	682	9	.	.	PUNCT
fsr-3413	683	1	souleles	soulele	NOUN
fsr-3413	683	2	,	,	PUNCT
fsr-3413	683	3	n.	n.	PROPN
fsr-3413	683	4	s.	s.	PROPN
fsr-3413	683	5	(	(	PUNCT
fsr-3413	683	6	2002	2002	NUM
fsr-3413	683	7	)	)	PUNCT
fsr-3413	683	8	.	.	PUNCT
fsr-3413	684	1	consumer	consumer	NOUN
fsr-3413	684	2	response	response	NOUN
fsr-3413	684	3	to	to	ADP
fsr-3413	684	4	the	the	DET
fsr-3413	684	5	reagan	reagan	PROPN
fsr-3413	684	6	tax	tax	NOUN
fsr-3413	684	7	cuts	cut	NOUN
fsr-3413	684	8	.	.	PUNCT
fsr-3413	685	1	journal	journal	NOUN
fsr-3413	685	2	of	of	ADP
fsr-3413	685	3	public	public	ADJ
fsr-3413	685	4	economics	economic	NOUN
fsr-3413	685	5	,	,	PUNCT
fsr-3413	685	6	85	85	NUM
fsr-3413	685	7	,	,	PUNCT
fsr-3413	685	8	99–120	99–120	NUM
fsr-3413	685	9	.	.	PUNCT
fsr-3413	685	10	spencer	spencer	PROPN
fsr-3413	685	11	,	,	PUNCT
fsr-3413	685	12	m.	m.	PROPN
fsr-3413	685	13	k.	k.	PROPN
fsr-3413	685	14	,	,	PUNCT
fsr-3413	685	15	&	&	CCONJ
fsr-3413	685	16	chambers	chamber	NOUN
fsr-3413	685	17	,	,	PUNCT
fsr-3413	685	18	v.	v.	PROPN
fsr-3413	685	19	(	(	PUNCT
fsr-3413	685	20	2012	2012	NUM
fsr-3413	685	21	)	)	PUNCT
fsr-3413	685	22	.	.	PUNCT
fsr-3413	686	1	national	national	ADJ
fsr-3413	686	2	heuristic	heuristic	ADJ
fsr-3413	686	3	shift	shift	NOUN
fsr-3413	686	4	toward	toward	ADP
fsr-3413	686	5	saving	save	VERB
fsr-3413	686	6	any	any	DET
fsr-3413	686	7	form	form	NOUN
fsr-3413	686	8	of	of	ADP
fsr-3413	686	9	tax	tax	NOUN
fsr-3413	686	10	rebate	rebate	NOUN
fsr-3413	686	11	.	.	PUNCT
fsr-3413	687	1	accounting	accounting	NOUN
fsr-3413	687	2	and	and	CCONJ
fsr-3413	687	3	the	the	DET
fsr-3413	687	4	public	public	ADJ
fsr-3413	687	5	interest	interest	NOUN
fsr-3413	687	6	,	,	PUNCT
fsr-3413	687	7	12	12	NUM
fsr-3413	687	8	,	,	PUNCT
fsr-3413	687	9	106–136	106–136	NUM
fsr-3413	687	10	.	.	PUNCT
fsr-3413	688	1	thaler	thaler	PROPN
fsr-3413	688	2	,	,	PUNCT
fsr-3413	688	3	r.	r.	PROPN
fsr-3413	688	4	h.	h.	PROPN
fsr-3413	688	5	(	(	PUNCT
fsr-3413	688	6	1999	1999	NUM
fsr-3413	688	7	)	)	PUNCT
fsr-3413	688	8	.	.	PUNCT
fsr-3413	689	1	mental	mental	ADJ
fsr-3413	689	2	accounting	accounting	NOUN
fsr-3413	689	3	matters	matter	NOUN
fsr-3413	689	4	.	.	PUNCT
fsr-3413	690	1	journal	journal	NOUN
fsr-3413	690	2	of	of	ADP
fsr-3413	690	3	behavioral	behavioral	ADJ
fsr-3413	690	4	decision	decision	NOUN
fsr-3413	690	5	making	making	NOUN
fsr-3413	690	6	,	,	PUNCT
fsr-3413	690	7	12	12	NUM
fsr-3413	690	8	,	,	PUNCT
fsr-3413	690	9	183–206	183–206	NUM
fsr-3413	690	10	.	.	PUNCT
fsr-3413	691	1	thaler	thaler	PROPN
fsr-3413	691	2	,	,	PUNCT
fsr-3413	691	3	r.	r.	PROPN
fsr-3413	691	4	h.	h.	PROPN
fsr-3413	691	5	,	,	PUNCT
fsr-3413	691	6	&	&	CCONJ
fsr-3413	691	7	sunstein	sunstein	PROPN
fsr-3413	691	8	,	,	PUNCT
fsr-3413	691	9	c.	c.	PROPN
fsr-3413	691	10	r.	r.	PROPN
fsr-3413	691	11	(	(	PUNCT
fsr-3413	691	12	2009	2009	NUM
fsr-3413	691	13	)	)	PUNCT
fsr-3413	691	14	.	.	PUNCT
fsr-3413	692	1	nudge	nudge	VERB
fsr-3413	692	2	:	:	PUNCT
fsr-3413	692	3	improving	improve	VERB
fsr-3413	692	4	decisions	decision	NOUN
fsr-3413	692	5	about	about	ADP
fsr-3413	692	6	health	health	NOUN
fsr-3413	692	7	,	,	PUNCT
fsr-3413	692	8	wealth	wealth	NOUN
fsr-3413	692	9	,	,	PUNCT
fsr-3413	692	10	and	and	CCONJ
fsr-3413	692	11	happiness	happiness	NOUN
fsr-3413	692	12	.	.	PUNCT
fsr-3413	693	1	london	london	PROPN
fsr-3413	693	2	:	:	PUNCT
fsr-3413	693	3	penguin	penguin	NOUN
fsr-3413	693	4	.	.	PUNCT
fsr-3413	694	1	trump	trump	NOUN
fsr-3413	694	2	,	,	PUNCT
fsr-3413	694	3	r.	r.	PROPN
fsr-3413	694	4	k.	k.	PROPN
fsr-3413	694	5	,	,	PUNCT
fsr-3413	694	6	finkelstein	finkelstein	PROPN
fsr-3413	694	7	,	,	PUNCT
fsr-3413	694	8	s.	s.	PROPN
fsr-3413	694	9	r.	r.	PROPN
fsr-3413	694	10	,	,	PUNCT
fsr-3413	694	11	&	&	CCONJ
fsr-3413	694	12	connell	connell	PROPN
fsr-3413	694	13	,	,	PUNCT
fsr-3413	694	14	p.	p.	NOUN
fsr-3413	694	15	m.	m.	NOUN
fsr-3413	694	16	(	(	PUNCT
fsr-3413	694	17	2015	2015	NUM
fsr-3413	694	18	)	)	PUNCT
fsr-3413	694	19	.	.	PUNCT
fsr-3413	695	1	i	i	PRON
fsr-3413	695	2	will	will	AUX
fsr-3413	695	3	risk	risk	VERB
fsr-3413	695	4	a	a	DET
fsr-3413	695	5	stranger	stranger	NOUN
fsr-3413	695	6	’s	’s	PART
fsr-3413	695	7	money	money	NOUN
fsr-3413	695	8	,	,	PUNCT
fsr-3413	695	9	but	but	CCONJ
fsr-3413	695	10	not	not	PART
fsr-3413	695	11	my	my	PRON
fsr-3413	695	12	own	own	ADJ
fsr-3413	695	13	or	or	CCONJ
fsr-3413	695	14	my	my	PRON
fsr-3413	695	15	friend	friend	NOUN
fsr-3413	695	16	’s	’s	PART
fsr-3413	695	17	money	money	NOUN
fsr-3413	695	18	:	:	PUNCT
fsr-3413	695	19	effect	effect	NOUN
fsr-3413	695	20	of	of	ADP
fsr-3413	695	21	proximity	proximity	NOUN
fsr-3413	695	22	of	of	ADP
fsr-3413	695	23	the	the	DET
fsr-3413	695	24	money	money	NOUN
fsr-3413	695	25	source	source	NOUN
fsr-3413	695	26	to	to	ADP
fsr-3413	695	27	the	the	DET
fsr-3413	695	28	self	self	NOUN
fsr-3413	695	29	on	on	ADP
fsr-3413	695	30	financial	financial	ADJ
fsr-3413	695	31	risk	risk	NOUN
fsr-3413	695	32	-	-	PUNCT
fsr-3413	695	33	taking	taking	NOUN
fsr-3413	695	34	.	.	PUNCT
fsr-3413	696	1	marketing	marketing	NOUN
fsr-3413	696	2	letters	letter	NOUN
fsr-3413	696	3	,	,	PUNCT
fsr-3413	696	4	26	26	NUM
fsr-3413	696	5	,	,	PUNCT
fsr-3413	696	6	501–512	501–512	NUM
fsr-3413	696	7	.	.	PUNCT
fsr-3413	697	1	walters	walters	PROPN
fsr-3413	697	2	-	-	PUNCT
fsr-3413	697	3	york	york	PROPN
fsr-3413	697	4	,	,	PUNCT
fsr-3413	697	5	l.	l.	PROPN
fsr-3413	697	6	m.	m.	PROPN
fsr-3413	697	7	,	,	PUNCT
fsr-3413	697	8	&	&	CCONJ
fsr-3413	697	9	curatola	curatola	PROPN
fsr-3413	697	10	,	,	PUNCT
fsr-3413	697	11	a.	a.	NOUN
fsr-3413	697	12	p.	p.	NOUN
fsr-3413	697	13	(	(	PUNCT
fsr-3413	697	14	1998	1998	NUM
fsr-3413	697	15	)	)	PUNCT
fsr-3413	697	16	.	.	PUNCT
fsr-3413	698	1	recent	recent	ADJ
fsr-3413	698	2	evidence	evidence	NOUN
fsr-3413	698	3	on	on	ADP
fsr-3413	698	4	the	the	DET
fsr-3413	698	5	use	use	NOUN
fsr-3413	698	6	of	of	ADP
fsr-3413	698	7	students	student	NOUN
fsr-3413	698	8	as	as	ADP
fsr-3413	698	9	surrogates	surrogate	NOUN
fsr-3413	698	10	subjects	subject	NOUN
fsr-3413	698	11	.	.	PUNCT
fsr-3413	699	1	advances	advance	NOUN
fsr-3413	699	2	in	in	ADP
fsr-3413	699	3	accounting	account	VERB
fsr-3413	699	4	behavioral	behavioral	ADJ
fsr-3413	699	5	research	research	NOUN
fsr-3413	699	6	,	,	PUNCT
fsr-3413	699	7	1	1	NUM
fsr-3413	699	8	,	,	PUNCT
fsr-3413	699	9	123–143	123–143	NUM
fsr-3413	699	10	.	.	PUNCT
fsr-3413	700	1	wertenbroch	wertenbroch	NOUN
fsr-3413	700	2	,	,	PUNCT
fsr-3413	700	3	k.	k.	PROPN
fsr-3413	700	4	(	(	PUNCT
fsr-3413	700	5	2001	2001	NUM
fsr-3413	700	6	)	)	PUNCT
fsr-3413	700	7	.	.	PUNCT
fsr-3413	701	1	self	self	NOUN
fsr-3413	701	2	-	-	PUNCT
fsr-3413	701	3	rationing	rationing	NOUN
fsr-3413	701	4	:	:	PUNCT
fsr-3413	701	5	self	self	NOUN
fsr-3413	701	6	-	-	PUNCT
fsr-3413	701	7	control	control	NOUN
fsr-3413	701	8	in	in	ADP
fsr-3413	701	9	consumer	consumer	NOUN
fsr-3413	701	10	choice	choice	NOUN
fsr-3413	701	11	.	.	PUNCT
fsr-3413	702	1	insead	insead	PROPN
fsr-3413	702	2	working	working	PROPN
fsr-3413	702	3	paper	paper	PROPN
fsr-3413	702	4	no	no	INTJ
fsr-3413	702	5	.	.	PUNCT
fsr-3413	703	1	2001/63	2001/63	NUM
fsr-3413	703	2	/	/	SYM
fsr-3413	703	3	mkt	mkt	PROPN
fsr-3413	703	4	.	.	PROPN
fsr-3413	703	5	winkelmann	winkelmann	PROPN
fsr-3413	703	6	,	,	PUNCT
fsr-3413	703	7	r.	r.	PROPN
fsr-3413	703	8	,	,	PUNCT
fsr-3413	703	9	oswald	oswald	PROPN
fsr-3413	703	10	,	,	PUNCT
fsr-3413	703	11	a.	a.	PROPN
fsr-3413	703	12	j.	j.	PROPN
fsr-3413	703	13	,	,	PUNCT
fsr-3413	703	14	&	&	CCONJ
fsr-3413	703	15	powdthavee	powdthavee	PROPN
fsr-3413	703	16	,	,	PUNCT
fsr-3413	703	17	n.	n.	NOUN
fsr-3413	703	18	(	(	PUNCT
fsr-3413	703	19	2011	2011	NUM
fsr-3413	703	20	,	,	PUNCT
fsr-3413	703	21	august	august	PROPN
fsr-3413	703	22	)	)	PUNCT
fsr-3413	703	23	.	.	PUNCT
fsr-3413	704	1	what	what	PRON
fsr-3413	704	2	happens	happen	VERB
fsr-3413	704	3	to	to	ADP
fsr-3413	704	4	people	people	NOUN
fsr-3413	704	5	after	after	ADP
fsr-3413	704	6	winning	win	VERB
fsr-3413	704	7	the	the	DET
fsr-3413	704	8	lottery	lottery	NOUN
fsr-3413	704	9	?	?	PUNCT
fsr-3413	705	1	in	in	ADP
fsr-3413	705	2	european	european	PROPN
fsr-3413	705	3	economic	economic	PROPN
fsr-3413	705	4	association	association	PROPN
fsr-3413	705	5	&	&	CCONJ
fsr-3413	705	6	econometric	econometric	PROPN
fsr-3413	705	7	society	society	PROPN
fsr-3413	705	8	parallel	parallel	ADJ
fsr-3413	705	9	meetings	meeting	NOUN
fsr-3413	705	10	(	(	PUNCT
fsr-3413	705	11	august	august	PROPN
fsr-3413	705	12	25–29	25–29	NUM
fsr-3413	705	13	)	)	PUNCT
fsr-3413	705	14	.	.	PUNCT
fsr-3413	706	1	oslo	oslo	PROPN
fsr-3413	706	2	,	,	PUNCT
fsr-3413	706	3	norway	norway	PROPN
fsr-3413	706	4	.	.	PUNCT
fsr-3413	707	1	zagorsky	zagorsky	PROPN
fsr-3413	707	2	,	,	PUNCT
fsr-3413	707	3	j.	j.	PROPN
fsr-3413	707	4	l.	l.	PROPN
fsr-3413	707	5	(	(	PUNCT
fsr-3413	707	6	2013	2013	NUM
fsr-3413	707	7	)	)	PUNCT
fsr-3413	707	8	.	.	PUNCT
fsr-3413	708	1	do	do	AUX
fsr-3413	708	2	people	people	NOUN
fsr-3413	708	3	save	save	VERB
fsr-3413	708	4	or	or	CCONJ
fsr-3413	708	5	spend	spend	VERB
fsr-3413	708	6	their	their	PRON
fsr-3413	708	7	inheritances	inheritance	NOUN
fsr-3413	708	8	?	?	PUNCT
fsr-3413	709	1	understanding	understand	VERB
fsr-3413	709	2	what	what	PRON
fsr-3413	709	3	happens	happen	VERB
fsr-3413	709	4	to	to	ADP
fsr-3413	709	5	inherited	inherit	VERB
fsr-3413	709	6	wealth	wealth	NOUN
fsr-3413	709	7	.	.	PUNCT
fsr-3413	710	1	journal	journal	PROPN
fsr-3413	710	2	of	of	ADP
fsr-3413	710	3	family	family	NOUN
fsr-3413	710	4	economic	economic	ADJ
fsr-3413	710	5	issues	issue	NOUN
fsr-3413	710	6	,	,	PUNCT
fsr-3413	710	7	34	34	NUM
fsr-3413	710	8	,	,	PUNCT
fsr-3413	710	9	64–76	64–76	PROPN
fsr-3413	710	10	.	.	PUNCT
fsr-3413	711	1	34	34	NUM
fsr-3413	711	2	e.	e.	PROPN
fsr-3413	711	3	bland	bland	PROPN
fsr-3413	711	4	,	,	PUNCT
fsr-3413	711	5	v.	v.	ADP
fsr-3413	711	6	chambers	chambers	PROPN
fsr-3413	711	7	/	/	SYM
fsr-3413	711	8	financial	financial	ADJ
fsr-3413	711	9	services	service	NOUN
fsr-3413	711	10	review	review	VERB
fsr-3413	711	11	28	28	NUM
fsr-3413	711	12	(	(	PUNCT
fsr-3413	711	13	2020	2020	NUM
fsr-3413	711	14	)	)	PUNCT
fsr-3413	711	15	17	17	NUM
fsr-3413	711	16	-	-	SYM
fsr-3413	711	17	34	34	NUM