id	sid	tid	token	lemma	pos
fsr-3421	1	1	conceptualizing	conceptualize	VERB
fsr-3421	1	2	financial	financial	ADJ
fsr-3421	1	3	advice	advice	NOUN
fsr-3421	1	4	in	in	ADP
fsr-3421	1	5	australia	australia	PROPN
fsr-3421	1	6	:	:	PUNCT
fsr-3421	1	7	the	the	DET
fsr-3421	1	8	impact	impact	NOUN
fsr-3421	1	9	of	of	ADP
fsr-3421	1	10	business	business	NOUN
fsr-3421	1	11	models	model	NOUN
fsr-3421	1	12	and	and	CCONJ
fsr-3421	1	13	external	external	ADJ
fsr-3421	1	14	stakeholders	stakeholder	NOUN
fsr-3421	1	15	on	on	ADP
fsr-3421	1	16	client	client	NOUN
fsr-3421	1	17	’s	’s	PART
fsr-3421	1	18	best	good	ADJ
fsr-3421	1	19	interest	interest	NOUN
fsr-3421	1	20	practice	practice	NOUN
fsr-3421	1	21	d.	d.	PROPN
fsr-3421	1	22	w.	w.	PROPN
fsr-3421	1	23	richardsa	richardsa	PROPN
fsr-3421	1	24	,	,	PUNCT
fsr-3421	1	25	*	*	PROPN
fsr-3421	1	26	,	,	PUNCT
fsr-3421	1	27	e.	e.	PROPN
fsr-3421	1	28	f.	f.	PROPN
fsr-3421	1	29	mortona	mortona	PROPN
fsr-3421	1	30	aschool	aschool	PROPN
fsr-3421	1	31	of	of	ADP
fsr-3421	1	32	accounting	accounting	PROPN
fsr-3421	1	33	,	,	PUNCT
fsr-3421	1	34	rmit	rmit	PROPN
fsr-3421	1	35	university	university	PROPN
fsr-3421	1	36	,	,	PUNCT
fsr-3421	1	37	melbourne	melbourne	PROPN
fsr-3421	1	38	australia	australia	PROPN
fsr-3421	1	39	abstract	abstract	ADJ
fsr-3421	1	40	many	many	ADJ
fsr-3421	1	41	individuals	individual	NOUN
fsr-3421	1	42	entrust	entrust	VERB
fsr-3421	1	43	financial	financial	ADJ
fsr-3421	1	44	advisors	advisor	NOUN
fsr-3421	1	45	to	to	PART
fsr-3421	1	46	navigate	navigate	VERB
fsr-3421	1	47	through	through	ADP
fsr-3421	1	48	important	important	ADJ
fsr-3421	1	49	financial	financial	ADJ
fsr-3421	1	50	decisions	decision	NOUN
fsr-3421	1	51	,	,	PUNCT
fsr-3421	1	52	yet	yet	CCONJ
fsr-3421	1	53	extant	extant	ADJ
fsr-3421	1	54	research	research	NOUN
fsr-3421	1	55	and	and	CCONJ
fsr-3421	1	56	persistent	persistent	ADJ
fsr-3421	1	57	scandals	scandal	NOUN
fsr-3421	1	58	bring	bring	VERB
fsr-3421	1	59	the	the	DET
fsr-3421	1	60	effectiveness	effectiveness	NOUN
fsr-3421	1	61	of	of	ADP
fsr-3421	1	62	advice	advice	NOUN
fsr-3421	1	63	into	into	ADP
fsr-3421	1	64	question	question	NOUN
fsr-3421	1	65	.	.	PUNCT
fsr-3421	2	1	in	in	ADP
fsr-3421	2	2	examining	examine	VERB
fsr-3421	2	3	the	the	DET
fsr-3421	2	4	australian	australian	ADJ
fsr-3421	2	5	financial	financial	ADJ
fsr-3421	2	6	advice	advice	NOUN
fsr-3421	2	7	sector	sector	NOUN
fsr-3421	2	8	,	,	PUNCT
fsr-3421	2	9	we	we	PRON
fsr-3421	2	10	determine	determine	VERB
fsr-3421	2	11	when	when	SCONJ
fsr-3421	2	12	financial	financial	ADJ
fsr-3421	2	13	advice	advice	NOUN
fsr-3421	2	14	can	can	AUX
fsr-3421	2	15	be	be	AUX
fsr-3421	2	16	provided	provide	VERB
fsr-3421	2	17	in	in	ADP
fsr-3421	2	18	a	a	DET
fsr-3421	2	19	client	client	NOUN
fsr-3421	2	20	’s	’s	PART
fsr-3421	2	21	best	good	ADJ
fsr-3421	2	22	interest	interest	NOUN
fsr-3421	2	23	and	and	CCONJ
fsr-3421	2	24	formulate	formulate	VERB
fsr-3421	2	25	a	a	DET
fsr-3421	2	26	model	model	NOUN
fsr-3421	2	27	differentiating	differentiate	VERB
fsr-3421	2	28	types	type	NOUN
fsr-3421	2	29	of	of	ADP
fsr-3421	2	30	financial	financial	ADJ
fsr-3421	2	31	advice	advice	NOUN
fsr-3421	2	32	and	and	CCONJ
fsr-3421	2	33	their	their	PRON
fsr-3421	2	34	relationship	relationship	NOUN
fsr-3421	2	35	to	to	PART
fsr-3421	2	36	best	good	ADJ
fsr-3421	2	37	interest	interest	NOUN
fsr-3421	2	38	practice	practice	NOUN
fsr-3421	2	39	.	.	PUNCT
fsr-3421	3	1	we	we	PRON
fsr-3421	3	2	extend	extend	VERB
fsr-3421	3	3	this	this	DET
fsr-3421	3	4	model	model	NOUN
fsr-3421	3	5	to	to	PART
fsr-3421	3	6	form	form	VERB
fsr-3421	3	7	an	an	DET
fsr-3421	3	8	integrated	integrate	VERB
fsr-3421	3	9	framework	framework	NOUN
fsr-3421	3	10	considering	consider	VERB
fsr-3421	3	11	external	external	ADJ
fsr-3421	3	12	stakeholders	stakeholder	NOUN
fsr-3421	3	13	that	that	PRON
fsr-3421	3	14	encourage	encourage	VERB
fsr-3421	3	15	,	,	PUNCT
fsr-3421	3	16	and	and	CCONJ
fsr-3421	3	17	business	business	NOUN
fsr-3421	3	18	models	model	NOUN
fsr-3421	3	19	which	which	PRON
fsr-3421	3	20	prevent	prevent	VERB
fsr-3421	3	21	,	,	PUNCT
fsr-3421	3	22	best	good	ADJ
fsr-3421	3	23	interest	interest	NOUN
fsr-3421	3	24	practice	practice	NOUN
fsr-3421	3	25	.	.	PUNCT
fsr-3421	4	1	our	our	PRON
fsr-3421	4	2	examination	examination	NOUN
fsr-3421	4	3	reveals	reveal	VERB
fsr-3421	4	4	some	some	DET
fsr-3421	4	5	business	business	NOUN
fsr-3421	4	6	models	model	NOUN
fsr-3421	4	7	prioritize	prioritize	VERB
fsr-3421	4	8	financial	financial	ADJ
fsr-3421	4	9	institution	institution	NOUN
fsr-3421	4	10	interests	interest	NOUN
fsr-3421	4	11	whilst	whilst	SCONJ
fsr-3421	4	12	thwarting	thwart	VERB
fsr-3421	4	13	external	external	ADJ
fsr-3421	4	14	stakeholders	stakeholder	NOUN
fsr-3421	4	15	encouraging	encourage	VERB
fsr-3421	4	16	best	good	ADJ
fsr-3421	4	17	interest	interest	NOUN
fsr-3421	4	18	practice	practice	NOUN
fsr-3421	4	19	.	.	PUNCT
fsr-3421	5	1	©	©	PROPN
fsr-3421	5	2	2019	2019	NUM
fsr-3421	5	3	academy	academy	NOUN
fsr-3421	5	4	of	of	ADP
fsr-3421	5	5	financial	financial	ADJ
fsr-3421	5	6	services	service	NOUN
fsr-3421	5	7	.	.	PUNCT
fsr-3421	6	1	all	all	DET
fsr-3421	6	2	rights	right	NOUN
fsr-3421	6	3	reserved	reserve	VERB
fsr-3421	6	4	.	.	PUNCT
fsr-3421	7	1	1	1	X
fsr-3421	7	2	.	.	X
fsr-3421	7	3	introduction	introduction	NOUN
fsr-3421	7	4	because	because	SCONJ
fsr-3421	7	5	of	of	ADP
fsr-3421	7	6	an	an	DET
fsr-3421	7	7	aging	age	VERB
fsr-3421	7	8	population	population	NOUN
fsr-3421	7	9	and	and	CCONJ
fsr-3421	7	10	increased	increase	VERB
fsr-3421	7	11	longevity	longevity	NOUN
fsr-3421	7	12	,	,	PUNCT
fsr-3421	7	13	the	the	DET
fsr-3421	7	14	responsibility	responsibility	NOUN
fsr-3421	7	15	of	of	ADP
fsr-3421	7	16	being	be	AUX
fsr-3421	7	17	financially	financially	ADV
fsr-3421	7	18	stable	stable	ADJ
fsr-3421	7	19	in	in	ADP
fsr-3421	7	20	retirement	retirement	NOUN
fsr-3421	7	21	has	have	AUX
fsr-3421	7	22	moved	move	VERB
fsr-3421	7	23	from	from	ADP
fsr-3421	7	24	the	the	DET
fsr-3421	7	25	state	state	NOUN
fsr-3421	7	26	to	to	ADP
fsr-3421	7	27	the	the	DET
fsr-3421	7	28	individual	individual	NOUN
fsr-3421	7	29	and	and	CCONJ
fsr-3421	7	30	is	be	AUX
fsr-3421	7	31	illustrated	illustrate	VERB
fsr-3421	7	32	by	by	ADP
fsr-3421	7	33	a	a	DET
fsr-3421	7	34	decrease	decrease	NOUN
fsr-3421	7	35	in	in	ADP
fsr-3421	7	36	state	state	NOUN
fsr-3421	7	37	funded	fund	VERB
fsr-3421	7	38	pensions	pension	NOUN
fsr-3421	7	39	with	with	ADP
fsr-3421	7	40	an	an	DET
fsr-3421	7	41	increase	increase	NOUN
fsr-3421	7	42	in	in	ADP
fsr-3421	7	43	mandatory	mandatory	ADJ
fsr-3421	7	44	personal	personal	ADJ
fsr-3421	7	45	retirement	retirement	NOUN
fsr-3421	7	46	accounts	account	NOUN
fsr-3421	7	47	(	(	PUNCT
fsr-3421	7	48	holzmann	holzmann	NOUN
fsr-3421	7	49	,	,	PUNCT
fsr-3421	7	50	2013	2013	NUM
fsr-3421	7	51	)	)	PUNCT
fsr-3421	7	52	.	.	PUNCT
fsr-3421	8	1	creating	create	VERB
fsr-3421	8	2	a	a	DET
fsr-3421	8	3	sound	sound	ADJ
fsr-3421	8	4	financial	financial	ADJ
fsr-3421	8	5	plan	plan	NOUN
fsr-3421	8	6	is	be	AUX
fsr-3421	8	7	difficult	difficult	ADJ
fsr-3421	8	8	when	when	SCONJ
fsr-3421	8	9	considering	consider	VERB
fsr-3421	8	10	the	the	DET
fsr-3421	8	11	complexity	complexity	NOUN
fsr-3421	8	12	of	of	ADP
fsr-3421	8	13	ones	one	NOUN
fsr-3421	8	14	’	’	PART
fsr-3421	8	15	life	life	NOUN
fsr-3421	8	16	and	and	CCONJ
fsr-3421	8	17	the	the	DET
fsr-3421	8	18	myriad	myriad	NOUN
fsr-3421	8	19	of	of	ADP
fsr-3421	8	20	financial	financial	ADJ
fsr-3421	8	21	products	product	NOUN
fsr-3421	8	22	available	available	ADJ
fsr-3421	8	23	.	.	PUNCT
fsr-3421	9	1	professionals	professional	NOUN
fsr-3421	9	2	,	,	PUNCT
fsr-3421	9	3	such	such	ADJ
fsr-3421	9	4	as	as	ADP
fsr-3421	9	5	the	the	DET
fsr-3421	9	6	financial	financial	ADJ
fsr-3421	9	7	advisor1	advisor1	PROPN
fsr-3421	9	8	,	,	PUNCT
fsr-3421	9	9	have	have	VERB
fsr-3421	9	10	a	a	DET
fsr-3421	9	11	fiduciary	fiduciary	ADJ
fsr-3421	9	12	duty	duty	NOUN
fsr-3421	9	13	—	—	PUNCT
fsr-3421	9	14	or	or	CCONJ
fsr-3421	9	15	a	a	DET
fsr-3421	9	16	duty	duty	NOUN
fsr-3421	9	17	to	to	PART
fsr-3421	9	18	act	act	VERB
fsr-3421	9	19	in	in	ADP
fsr-3421	9	20	a	a	DET
fsr-3421	9	21	client	client	NOUN
fsr-3421	9	22	’s	’s	PART
fsr-3421	9	23	best	good	ADJ
fsr-3421	9	24	interest	interest	NOUN
fsr-3421	9	25	—	—	PUNCT
fsr-3421	9	26	*	*	PUNCT
fsr-3421	9	27	corresponding	correspond	VERB
fsr-3421	9	28	author	author	NOUN
fsr-3421	9	29	:	:	PUNCT
fsr-3421	9	30	tel	tel	PROPN
fsr-3421	9	31	.	.	PUNCT
fsr-3421	9	32	:	:	PUNCT
fsr-3421	10	1	+61	+61	PROPN
fsr-3421	10	2	3	3	NUM
fsr-3421	10	3	9925	9925	NUM
fsr-3421	10	4	5935	5935	NUM
fsr-3421	10	5	;	;	PUNCT
fsr-3421	10	6	fax	fax	NOUN
fsr-3421	10	7	:	:	PUNCT
fsr-3421	10	8	+61	+61	NOUN
fsr-3421	10	9	3	3	NUM
fsr-3421	10	10	9925	9925	NUM
fsr-3421	10	11	5624	5624	NUM
fsr-3421	10	12	.	.	PUNCT
fsr-3421	11	1	e	e	X
fsr-3421	11	2	-	-	NOUN
fsr-3421	11	3	mail	mail	NOUN
fsr-3421	11	4	address	address	NOUN
fsr-3421	11	5	:	:	PUNCT
fsr-3421	11	6	daniel.richards@rmit.edu.au	daniel.richards@rmit.edu.au	PROPN
fsr-3421	11	7	(	(	PUNCT
fsr-3421	11	8	d.	d.	PROPN
fsr-3421	11	9	w.	w.	PROPN
fsr-3421	11	10	richards	richards	PROPN
fsr-3421	11	11	)	)	PUNCT
fsr-3421	11	12	1057	1057	NUM
fsr-3421	11	13	-	-	SYM
fsr-3421	11	14	0810/20/$	0810/20/$	NUM
fsr-3421	11	15	–	–	PUNCT
fsr-3421	11	16	see	see	VERB
fsr-3421	11	17	front	front	ADJ
fsr-3421	11	18	matter	matter	NOUN
fsr-3421	11	19	©	©	PROPN
fsr-3421	11	20	2019	2019	NUM
fsr-3421	11	21	academy	academy	NOUN
fsr-3421	11	22	of	of	ADP
fsr-3421	11	23	financial	financial	ADJ
fsr-3421	11	24	services	service	NOUN
fsr-3421	11	25	.	.	PUNCT
fsr-3421	12	1	all	all	DET
fsr-3421	12	2	rights	right	NOUN
fsr-3421	12	3	reserved	reserve	VERB
fsr-3421	12	4	.	.	PUNCT
fsr-3421	13	1	financial	financial	ADJ
fsr-3421	13	2	services	service	NOUN
fsr-3421	13	3	review	review	VERB
fsr-3421	13	4	28	28	NUM
fsr-3421	13	5	(	(	PUNCT
fsr-3421	13	6	2020	2020	NUM
fsr-3421	13	7	)	)	PUNCT
fsr-3421	13	8	133–158	133–158	NUM
fsr-3421	13	9	when	when	SCONJ
fsr-3421	13	10	they	they	PRON
fsr-3421	13	11	provide	provide	VERB
fsr-3421	13	12	services	service	NOUN
fsr-3421	13	13	to	to	PART
fsr-3421	13	14	navigate	navigate	VERB
fsr-3421	13	15	through	through	ADP
fsr-3421	13	16	financial	financial	ADJ
fsr-3421	13	17	decisions	decision	NOUN
fsr-3421	13	18	and	and	CCONJ
fsr-3421	13	19	in	in	ADP
fsr-3421	13	20	doing	do	VERB
fsr-3421	13	21	so	so	ADV
fsr-3421	13	22	mitigate	mitigate	VERB
fsr-3421	13	23	or	or	CCONJ
fsr-3421	13	24	avoid	avoid	VERB
fsr-3421	13	25	risking	risk	VERB
fsr-3421	13	26	conflicts	conflict	NOUN
fsr-3421	13	27	of	of	ADP
fsr-3421	13	28	interest	interest	NOUN
fsr-3421	13	29	.	.	PUNCT
fsr-3421	14	1	yet	yet	ADV
fsr-3421	14	2	,	,	PUNCT
fsr-3421	14	3	the	the	DET
fsr-3421	14	4	financial	financial	ADJ
fsr-3421	14	5	advisors	advisor	NOUN
fsr-3421	14	6	providing	provide	VERB
fsr-3421	14	7	advice	advice	NOUN
fsr-3421	14	8	are	be	AUX
fsr-3421	14	9	employed	employ	VERB
fsr-3421	14	10	or	or	CCONJ
fsr-3421	14	11	remunerated	remunerate	VERB
fsr-3421	14	12	by	by	ADP
fsr-3421	14	13	financial	financial	ADJ
fsr-3421	14	14	institutions	institution	NOUN
fsr-3421	14	15	that	that	PRON
fsr-3421	14	16	have	have	AUX
fsr-3421	14	17	differing	differ	VERB
fsr-3421	14	18	and	and	CCONJ
fsr-3421	14	19	arguably	arguably	ADV
fsr-3421	14	20	conflicting	conflicting	ADJ
fsr-3421	14	21	interests	interest	NOUN
fsr-3421	14	22	;	;	PUNCT
fsr-3421	14	23	and	and	CCONJ
fsr-3421	14	24	,	,	PUNCT
fsr-3421	14	25	in	in	ADP
fsr-3421	14	26	particular	particular	ADJ
fsr-3421	14	27	,	,	PUNCT
fsr-3421	14	28	financial	financial	ADJ
fsr-3421	14	29	interests	interest	NOUN
fsr-3421	14	30	in	in	ADP
fsr-3421	14	31	attaining	attain	VERB
fsr-3421	14	32	consumers	consumer	NOUN
fsr-3421	14	33	of	of	ADP
fsr-3421	14	34	the	the	DET
fsr-3421	14	35	products	product	NOUN
fsr-3421	14	36	they	they	PRON
fsr-3421	14	37	create	create	VERB
fsr-3421	14	38	.	.	PUNCT
fsr-3421	15	1	as	as	SCONJ
fsr-3421	15	2	such	such	ADJ
fsr-3421	15	3	,	,	PUNCT
fsr-3421	15	4	financial	financial	ADJ
fsr-3421	15	5	advisors	advisor	NOUN
fsr-3421	15	6	are	be	AUX
fsr-3421	15	7	inherently	inherently	ADV
fsr-3421	15	8	caught	catch	VERB
fsr-3421	15	9	between	between	ADP
fsr-3421	15	10	acting	act	VERB
fsr-3421	15	11	in	in	ADP
fsr-3421	15	12	a	a	DET
fsr-3421	15	13	client	client	NOUN
fsr-3421	15	14	’s	’s	PART
fsr-3421	15	15	best	good	ADJ
fsr-3421	15	16	interest	interest	NOUN
fsr-3421	15	17	and	and	CCONJ
fsr-3421	15	18	their	their	PRON
fsr-3421	15	19	own	own	ADJ
fsr-3421	15	20	interests	interest	NOUN
fsr-3421	15	21	,	,	PUNCT
fsr-3421	15	22	or	or	CCONJ
fsr-3421	15	23	the	the	DET
fsr-3421	15	24	interests	interest	NOUN
fsr-3421	15	25	of	of	ADP
fsr-3421	15	26	financial	financial	ADJ
fsr-3421	15	27	institutions	institution	NOUN
fsr-3421	15	28	.	.	PUNCT
fsr-3421	16	1	this	this	DET
fsr-3421	16	2	research	research	NOUN
fsr-3421	16	3	investigates	investigate	VERB
fsr-3421	16	4	the	the	DET
fsr-3421	16	5	extent	extent	NOUN
fsr-3421	16	6	to	to	PART
fsr-3421	16	7	which	which	PRON
fsr-3421	16	8	financial	financial	ADJ
fsr-3421	16	9	advice	advice	NOUN
fsr-3421	16	10	in	in	ADP
fsr-3421	16	11	australia	australia	PROPN
fsr-3421	16	12	can	can	AUX
fsr-3421	16	13	be	be	AUX
fsr-3421	16	14	provided	provide	VERB
fsr-3421	16	15	in	in	ADP
fsr-3421	16	16	a	a	DET
fsr-3421	16	17	client	client	NOUN
fsr-3421	16	18	’s	’s	PART
fsr-3421	16	19	best	good	ADJ
fsr-3421	16	20	interest	interest	NOUN
fsr-3421	16	21	.	.	PUNCT
fsr-3421	17	1	we	we	PRON
fsr-3421	17	2	address	address	VERB
fsr-3421	17	3	this	this	PRON
fsr-3421	17	4	from	from	ADP
fsr-3421	17	5	a	a	DET
fsr-3421	17	6	contextual	contextual	ADJ
fsr-3421	17	7	perspective	perspective	NOUN
fsr-3421	17	8	,	,	PUNCT
fsr-3421	17	9	where	where	SCONJ
fsr-3421	17	10	we	we	PRON
fsr-3421	17	11	identify	identify	VERB
fsr-3421	17	12	the	the	DET
fsr-3421	17	13	impediments	impediment	NOUN
fsr-3421	17	14	and	and	CCONJ
fsr-3421	17	15	enablers	enabler	NOUN
fsr-3421	17	16	of	of	ADP
fsr-3421	17	17	financial	financial	ADJ
fsr-3421	17	18	advisors	advisor	NOUN
fsr-3421	17	19	achieving	achieve	VERB
fsr-3421	17	20	client	client	NOUN
fsr-3421	17	21	’s	’s	PART
fsr-3421	17	22	best	good	ADJ
fsr-3421	17	23	interest	interest	NOUN
fsr-3421	17	24	practice	practice	NOUN
fsr-3421	17	25	.	.	PUNCT
fsr-3421	18	1	this	this	DET
fsr-3421	18	2	research	research	NOUN
fsr-3421	18	3	investigates	investigate	VERB
fsr-3421	18	4	dimensions	dimension	NOUN
fsr-3421	18	5	that	that	PRON
fsr-3421	18	6	distinguish	distinguish	VERB
fsr-3421	18	7	types	type	NOUN
fsr-3421	18	8	of	of	ADP
fsr-3421	18	9	financial	financial	ADJ
fsr-3421	18	10	advice	advice	NOUN
fsr-3421	18	11	,	,	PUNCT
fsr-3421	18	12	the	the	DET
fsr-3421	18	13	business	business	NOUN
fsr-3421	18	14	models	model	NOUN
fsr-3421	18	15	used	use	VERB
fsr-3421	18	16	in	in	ADP
fsr-3421	18	17	providing	provide	VERB
fsr-3421	18	18	financial	financial	ADJ
fsr-3421	18	19	advice	advice	NOUN
fsr-3421	18	20	and	and	CCONJ
fsr-3421	18	21	external	external	ADJ
fsr-3421	18	22	stakeholders	stakeholder	NOUN
fsr-3421	18	23	in	in	ADP
fsr-3421	18	24	the	the	DET
fsr-3421	18	25	australian	australian	ADJ
fsr-3421	18	26	financial	financial	ADJ
fsr-3421	18	27	services	service	NOUN
fsr-3421	18	28	industry	industry	NOUN
fsr-3421	18	29	that	that	PRON
fsr-3421	18	30	may	may	AUX
fsr-3421	18	31	induce	induce	VERB
fsr-3421	18	32	or	or	CCONJ
fsr-3421	18	33	mitigate	mitigate	VERB
fsr-3421	18	34	prioritizing	prioritize	VERB
fsr-3421	18	35	a	a	DET
fsr-3421	18	36	client	client	NOUN
fsr-3421	18	37	’s	’s	PART
fsr-3421	18	38	best	good	ADJ
fsr-3421	18	39	interest	interest	NOUN
fsr-3421	18	40	.	.	PUNCT
fsr-3421	19	1	in	in	ADP
fsr-3421	19	2	order	order	NOUN
fsr-3421	19	3	to	to	PART
fsr-3421	19	4	address	address	VERB
fsr-3421	19	5	these	these	DET
fsr-3421	19	6	topics	topic	NOUN
fsr-3421	19	7	,	,	PUNCT
fsr-3421	19	8	we	we	PRON
fsr-3421	19	9	conducted	conduct	VERB
fsr-3421	19	10	a	a	DET
fsr-3421	19	11	qualitative	qualitative	ADJ
fsr-3421	19	12	study	study	NOUN
fsr-3421	19	13	encompassing	encompass	VERB
fsr-3421	19	14	content	content	NOUN
fsr-3421	19	15	analysis	analysis	NOUN
fsr-3421	19	16	,	,	PUNCT
fsr-3421	19	17	in	in	ADP
fsr-3421	19	18	-	-	PUNCT
fsr-3421	19	19	depth	depth	NOUN
fsr-3421	19	20	interviews	interview	NOUN
fsr-3421	19	21	and	and	CCONJ
fsr-3421	19	22	triangulation	triangulation	NOUN
fsr-3421	19	23	.	.	PUNCT
fsr-3421	20	1	firstly	firstly	ADV
fsr-3421	20	2	,	,	PUNCT
fsr-3421	20	3	the	the	DET
fsr-3421	20	4	content	content	NOUN
fsr-3421	20	5	analysis	analysis	NOUN
fsr-3421	20	6	included	include	VERB
fsr-3421	20	7	analyzing	analyze	VERB
fsr-3421	20	8	australian	australian	ADJ
fsr-3421	20	9	government	government	NOUN
fsr-3421	20	10	inquiries	inquiry	NOUN
fsr-3421	20	11	into	into	ADP
fsr-3421	20	12	financial	financial	ADJ
fsr-3421	20	13	advice	advice	NOUN
fsr-3421	20	14	(	(	PUNCT
fsr-3421	20	15	parliamentary	parliamentary	ADJ
fsr-3421	20	16	joint	joint	ADJ
fsr-3421	20	17	committee	committee	NOUN
fsr-3421	20	18	on	on	ADP
fsr-3421	20	19	corporations	corporation	NOUN
fsr-3421	20	20	and	and	CCONJ
fsr-3421	20	21	financial	financial	ADJ
fsr-3421	20	22	services	service	NOUN
fsr-3421	20	23	(	(	PUNCT
fsr-3421	20	24	pjccfs	pjccfs	ADJ
fsr-3421	20	25	)	)	PUNCT
fsr-3421	20	26	inquiries	inquiry	NOUN
fsr-3421	20	27	)	)	PUNCT
fsr-3421	20	28	.	.	PUNCT
fsr-3421	21	1	then	then	ADV
fsr-3421	21	2	in	in	ADP
fsr-3421	21	3	-	-	PUNCT
fsr-3421	21	4	depth	depth	NOUN
fsr-3421	21	5	semi	semi	ADJ
fsr-3421	21	6	-	-	ADJ
fsr-3421	21	7	structured	structured	ADJ
fsr-3421	21	8	qualitative	qualitative	ADJ
fsr-3421	21	9	interviews	interview	NOUN
fsr-3421	21	10	were	be	AUX
fsr-3421	21	11	conducted	conduct	VERB
fsr-3421	21	12	with	with	ADP
fsr-3421	21	13	financial	financial	ADJ
fsr-3421	21	14	service	service	NOUN
fsr-3421	21	15	professionals	professional	NOUN
fsr-3421	21	16	to	to	PART
fsr-3421	21	17	test	test	VERB
fsr-3421	21	18	the	the	DET
fsr-3421	21	19	validity	validity	NOUN
fsr-3421	21	20	of	of	ADP
fsr-3421	21	21	our	our	PRON
fsr-3421	21	22	findings	finding	NOUN
fsr-3421	21	23	emerging	emerge	VERB
fsr-3421	21	24	from	from	ADP
fsr-3421	21	25	the	the	DET
fsr-3421	21	26	content	content	NOUN
fsr-3421	21	27	analysis	analysis	NOUN
fsr-3421	21	28	.	.	PUNCT
fsr-3421	22	1	finally	finally	ADV
fsr-3421	22	2	,	,	PUNCT
fsr-3421	22	3	results	result	NOUN
fsr-3421	22	4	were	be	AUX
fsr-3421	22	5	then	then	ADV
fsr-3421	22	6	triangulated	triangulate	VERB
fsr-3421	22	7	with	with	ADP
fsr-3421	22	8	an	an	DET
fsr-3421	22	9	australian	australian	ADJ
fsr-3421	22	10	royal	royal	ADJ
fsr-3421	22	11	commission	commission	NOUN
fsr-3421	22	12	into	into	ADP
fsr-3421	22	13	misconduct	misconduct	NOUN
fsr-3421	22	14	in	in	ADP
fsr-3421	22	15	the	the	DET
fsr-3421	22	16	banking	banking	NOUN
fsr-3421	22	17	,	,	PUNCT
fsr-3421	22	18	superannuation	superannuation	NOUN
fsr-3421	22	19	and	and	CCONJ
fsr-3421	22	20	financial	financial	ADJ
fsr-3421	22	21	services	service	NOUN
fsr-3421	22	22	industry	industry	NOUN
fsr-3421	22	23	(	(	PUNCT
fsr-3421	22	24	henceforth	henceforth	ADV
fsr-3421	22	25	referred	refer	VERB
fsr-3421	22	26	to	to	ADP
fsr-3421	22	27	as	as	ADP
fsr-3421	22	28	‘	'	PUNCT
fsr-3421	22	29	royal	royal	ADJ
fsr-3421	22	30	commission	commission	NOUN
fsr-3421	22	31	’	'	PUNCT
fsr-3421	22	32	)	)	PUNCT
fsr-3421	22	33	.	.	PUNCT
fsr-3421	23	1	using	use	VERB
fsr-3421	23	2	these	these	DET
fsr-3421	23	3	data	datum	NOUN
fsr-3421	23	4	,	,	PUNCT
fsr-3421	23	5	we	we	PRON
fsr-3421	23	6	conceptualize	conceptualize	VERB
fsr-3421	23	7	financial	financial	ADJ
fsr-3421	23	8	advice	advice	NOUN
fsr-3421	23	9	,	,	PUNCT
fsr-3421	23	10	and	and	CCONJ
fsr-3421	23	11	its	its	PRON
fsr-3421	23	12	purported	purport	VERB
fsr-3421	23	13	conflict	conflict	NOUN
fsr-3421	23	14	,	,	PUNCT
fsr-3421	23	15	in	in	ADP
fsr-3421	23	16	relation	relation	NOUN
fsr-3421	23	17	to	to	ADP
fsr-3421	23	18	acting	act	VERB
fsr-3421	23	19	in	in	ADP
fsr-3421	23	20	a	a	DET
fsr-3421	23	21	client	client	NOUN
fsr-3421	23	22	’s	’s	PART
fsr-3421	23	23	best	good	ADJ
fsr-3421	23	24	interest	interest	NOUN
fsr-3421	23	25	.	.	PUNCT
fsr-3421	24	1	the	the	DET
fsr-3421	24	2	contributions	contribution	NOUN
fsr-3421	24	3	of	of	ADP
fsr-3421	24	4	this	this	DET
fsr-3421	24	5	article	article	NOUN
fsr-3421	24	6	are	be	AUX
fsr-3421	24	7	threefold	threefold	VERB
fsr-3421	24	8	.	.	PUNCT
fsr-3421	25	1	firstly	firstly	ADV
fsr-3421	25	2	,	,	PUNCT
fsr-3421	25	3	we	we	PRON
fsr-3421	25	4	develop	develop	VERB
fsr-3421	25	5	a	a	DET
fsr-3421	25	6	general	general	ADJ
fsr-3421	25	7	model	model	NOUN
fsr-3421	25	8	of	of	ADP
fsr-3421	25	9	best	good	ADJ
fsr-3421	25	10	interest	interest	NOUN
fsr-3421	25	11	practice	practice	NOUN
fsr-3421	25	12	in	in	ADP
fsr-3421	25	13	financial	financial	ADJ
fsr-3421	25	14	advice	advice	NOUN
fsr-3421	25	15	,	,	PUNCT
fsr-3421	25	16	showing	show	VERB
fsr-3421	25	17	the	the	DET
fsr-3421	25	18	extent	extent	NOUN
fsr-3421	25	19	to	to	PART
fsr-3421	25	20	which	which	PRON
fsr-3421	25	21	a	a	DET
fsr-3421	25	22	client	client	NOUN
fsr-3421	25	23	’s	’s	PART
fsr-3421	25	24	best	good	ADJ
fsr-3421	25	25	interest	interest	NOUN
fsr-3421	25	26	can	can	AUX
fsr-3421	25	27	be	be	AUX
fsr-3421	25	28	prioritized	prioritize	VERB
fsr-3421	25	29	is	be	AUX
fsr-3421	25	30	due	due	ADJ
fsr-3421	25	31	to	to	ADP
fsr-3421	25	32	the	the	DET
fsr-3421	25	33	orientation	orientation	NOUN
fsr-3421	25	34	of	of	ADP
fsr-3421	25	35	advice	advice	NOUN
fsr-3421	25	36	(	(	PUNCT
fsr-3421	25	37	product	product	NOUN
fsr-3421	25	38	advice	advice	NOUN
fsr-3421	25	39	or	or	CCONJ
fsr-3421	25	40	personal	personal	ADJ
fsr-3421	25	41	advice	advice	NOUN
fsr-3421	25	42	)	)	PUNCT
fsr-3421	25	43	and	and	CCONJ
fsr-3421	25	44	alignment	alignment	NOUN
fsr-3421	25	45	of	of	ADP
fsr-3421	25	46	the	the	DET
fsr-3421	25	47	advisor	advisor	NOUN
fsr-3421	25	48	(	(	PUNCT
fsr-3421	25	49	integrated	integrate	VERB
fsr-3421	25	50	with	with	ADP
fsr-3421	25	51	or	or	CCONJ
fsr-3421	25	52	independent	independent	ADJ
fsr-3421	25	53	from	from	ADP
fsr-3421	25	54	product	product	NOUN
fsr-3421	25	55	providers	provider	NOUN
fsr-3421	25	56	)	)	PUNCT
fsr-3421	25	57	.	.	PUNCT
fsr-3421	26	1	as	as	ADP
fsr-3421	26	2	such	such	ADJ
fsr-3421	26	3	,	,	PUNCT
fsr-3421	26	4	this	this	DET
fsr-3421	26	5	model	model	NOUN
fsr-3421	26	6	conceptualizes	conceptualize	VERB
fsr-3421	26	7	the	the	DET
fsr-3421	26	8	differing	differ	VERB
fsr-3421	26	9	forms	form	NOUN
fsr-3421	26	10	of	of	ADP
fsr-3421	26	11	financial	financial	ADJ
fsr-3421	26	12	advice	advice	NOUN
fsr-3421	26	13	and	and	CCONJ
fsr-3421	26	14	clarifies	clarifie	NOUN
fsr-3421	26	15	which	which	DET
fsr-3421	26	16	type	type	NOUN
fsr-3421	26	17	of	of	ADP
fsr-3421	26	18	advice	advice	NOUN
fsr-3421	26	19	can	can	AUX
fsr-3421	26	20	prioritize	prioritize	VERB
fsr-3421	26	21	a	a	DET
fsr-3421	26	22	client	client	NOUN
fsr-3421	26	23	’s	’s	PART
fsr-3421	26	24	best	good	ADJ
fsr-3421	26	25	interest	interest	NOUN
fsr-3421	26	26	.	.	PUNCT
fsr-3421	27	1	the	the	DET
fsr-3421	27	2	second	second	ADJ
fsr-3421	27	3	contribution	contribution	NOUN
fsr-3421	27	4	addresses	address	VERB
fsr-3421	27	5	the	the	DET
fsr-3421	27	6	dearth	dearth	NOUN
fsr-3421	27	7	of	of	ADP
fsr-3421	27	8	understanding	understanding	NOUN
fsr-3421	27	9	through	through	ADP
fsr-3421	27	10	the	the	DET
fsr-3421	27	11	inclusion	inclusion	NOUN
fsr-3421	27	12	of	of	ADP
fsr-3421	27	13	the	the	DET
fsr-3421	27	14	contextual	contextual	ADJ
fsr-3421	27	15	environment	environment	NOUN
fsr-3421	27	16	that	that	PRON
fsr-3421	27	17	influence	influence	VERB
fsr-3421	27	18	financial	financial	ADJ
fsr-3421	27	19	advisors	advisor	NOUN
fsr-3421	27	20	.	.	PUNCT
fsr-3421	28	1	extant	extant	ADJ
fsr-3421	28	2	research	research	NOUN
fsr-3421	28	3	is	be	AUX
fsr-3421	28	4	largely	largely	ADV
fsr-3421	28	5	international	international	ADJ
fsr-3421	28	6	and	and	CCONJ
fsr-3421	28	7	shows	show	VERB
fsr-3421	28	8	presence	presence	NOUN
fsr-3421	28	9	of	of	ADP
fsr-3421	28	10	conflicts	conflict	NOUN
fsr-3421	28	11	(	(	PUNCT
fsr-3421	28	12	foerster	foerster	PROPN
fsr-3421	28	13	,	,	PUNCT
fsr-3421	28	14	linnainmaa	linnainmaa	NOUN
fsr-3421	28	15	,	,	PUNCT
fsr-3421	28	16	melzer	melzer	NOUN
fsr-3421	28	17	,	,	PUNCT
fsr-3421	28	18	&	&	CCONJ
fsr-3421	28	19	previtero	previtero	PROPN
fsr-3421	28	20	,	,	PUNCT
fsr-3421	28	21	2017	2017	NUM
fsr-3421	28	22	;	;	PUNCT
fsr-3421	28	23	hackethal	hackethal	NOUN
fsr-3421	28	24	,	,	PUNCT
fsr-3421	28	25	haliassos	haliassos	NOUN
fsr-3421	28	26	,	,	PUNCT
fsr-3421	28	27	&	&	CCONJ
fsr-3421	28	28	jappelli	jappelli	PROPN
fsr-3421	28	29	,	,	PUNCT
fsr-3421	28	30	2012	2012	NUM
fsr-3421	28	31	;	;	PUNCT
fsr-3421	28	32	hoechle	hoechle	NOUN
fsr-3421	28	33	,	,	PUNCT
fsr-3421	28	34	ruenzi	ruenzi	PROPN
fsr-3421	28	35	,	,	PUNCT
fsr-3421	28	36	schaub	schaub	PROPN
fsr-3421	28	37	,	,	PUNCT
fsr-3421	28	38	&	&	CCONJ
fsr-3421	28	39	schmid	schmid	PROPN
fsr-3421	28	40	,	,	PUNCT
fsr-3421	28	41	2018	2018	NUM
fsr-3421	28	42	)	)	PUNCT
fsr-3421	28	43	,	,	PUNCT
fsr-3421	28	44	but	but	CCONJ
fsr-3421	28	45	simplifies	simplifie	NOUN
fsr-3421	28	46	explanation	explanation	NOUN
fsr-3421	28	47	of	of	ADP
fsr-3421	28	48	contextual	contextual	ADJ
fsr-3421	28	49	issues	issue	NOUN
fsr-3421	28	50	of	of	ADP
fsr-3421	28	51	financial	financial	ADJ
fsr-3421	28	52	advisors	advisor	NOUN
fsr-3421	28	53	work	work	VERB
fsr-3421	28	54	to	to	ADP
fsr-3421	28	55	remuneration	remuneration	NOUN
fsr-3421	28	56	(	(	PUNCT
fsr-3421	28	57	angelova	angelova	PROPN
fsr-3421	28	58	&	&	CCONJ
fsr-3421	28	59	regner	regner	NOUN
fsr-3421	28	60	2013	2013	NUM
fsr-3421	28	61	)	)	PUNCT
fsr-3421	28	62	.	.	PUNCT
fsr-3421	29	1	while	while	SCONJ
fsr-3421	29	2	remuneration	remuneration	NOUN
fsr-3421	29	3	influences	influence	VERB
fsr-3421	29	4	how	how	SCONJ
fsr-3421	29	5	financial	financial	ADJ
fsr-3421	29	6	advisors	advisor	NOUN
fsr-3421	29	7	operate	operate	VERB
fsr-3421	29	8	,	,	PUNCT
fsr-3421	29	9	this	this	DET
fsr-3421	29	10	article	article	NOUN
fsr-3421	29	11	argues	argue	VERB
fsr-3421	29	12	that	that	SCONJ
fsr-3421	29	13	an	an	DET
fsr-3421	29	14	understanding	understanding	NOUN
fsr-3421	29	15	of	of	ADP
fsr-3421	29	16	the	the	DET
fsr-3421	29	17	australian	australian	ADJ
fsr-3421	29	18	business	business	NOUN
fsr-3421	29	19	models	model	NOUN
fsr-3421	29	20	in	in	ADP
fsr-3421	29	21	which	which	PRON
fsr-3421	29	22	financial	financial	ADJ
fsr-3421	29	23	advisers	adviser	NOUN
fsr-3421	29	24	operate	operate	VERB
fsr-3421	29	25	in	in	ADP
fsr-3421	29	26	,	,	PUNCT
fsr-3421	29	27	as	as	ADV
fsr-3421	29	28	well	well	ADV
fsr-3421	29	29	as	as	ADP
fsr-3421	29	30	external	external	ADJ
fsr-3421	29	31	stakeholders	stakeholder	NOUN
fsr-3421	29	32	that	that	PRON
fsr-3421	29	33	impose	impose	VERB
fsr-3421	29	34	numerous	numerous	ADJ
fsr-3421	29	35	levels	level	NOUN
fsr-3421	29	36	of	of	ADP
fsr-3421	29	37	regulation	regulation	NOUN
fsr-3421	29	38	and	and	CCONJ
fsr-3421	29	39	influence	influence	NOUN
fsr-3421	29	40	upon	upon	SCONJ
fsr-3421	29	41	the	the	DET
fsr-3421	29	42	financial	financial	ADJ
fsr-3421	29	43	advisor	advisor	NOUN
fsr-3421	29	44	,	,	PUNCT
fsr-3421	29	45	are	be	AUX
fsr-3421	29	46	necessary	necessary	ADJ
fsr-3421	29	47	.	.	PUNCT
fsr-3421	30	1	we	we	PRON
fsr-3421	30	2	find	find	VERB
fsr-3421	30	3	that	that	SCONJ
fsr-3421	30	4	within	within	ADP
fsr-3421	30	5	the	the	DET
fsr-3421	30	6	australian	australian	ADJ
fsr-3421	30	7	context	context	NOUN
fsr-3421	30	8	,	,	PUNCT
fsr-3421	30	9	business	business	NOUN
fsr-3421	30	10	models	model	NOUN
fsr-3421	30	11	and	and	CCONJ
fsr-3421	30	12	external	external	ADJ
fsr-3421	30	13	stakeholders	stakeholder	NOUN
fsr-3421	30	14	can	can	AUX
fsr-3421	30	15	enable	enable	VERB
fsr-3421	30	16	or	or	CCONJ
fsr-3421	30	17	inhibit	inhibit	VERB
fsr-3421	30	18	the	the	DET
fsr-3421	30	19	ability	ability	NOUN
fsr-3421	30	20	of	of	ADP
fsr-3421	30	21	a	a	DET
fsr-3421	30	22	financial	financial	ADJ
fsr-3421	30	23	advisor	advisor	NOUN
fsr-3421	30	24	to	to	PART
fsr-3421	30	25	act	act	VERB
fsr-3421	30	26	in	in	ADP
fsr-3421	30	27	a	a	DET
fsr-3421	30	28	client	client	NOUN
fsr-3421	30	29	’s	’s	PART
fsr-3421	30	30	best	good	ADJ
fsr-3421	30	31	interest	interest	NOUN
fsr-3421	30	32	.	.	PUNCT
fsr-3421	31	1	the	the	DET
fsr-3421	31	2	third	third	ADJ
fsr-3421	31	3	contribution	contribution	NOUN
fsr-3421	31	4	of	of	ADP
fsr-3421	31	5	this	this	DET
fsr-3421	31	6	article	article	NOUN
fsr-3421	31	7	is	be	AUX
fsr-3421	31	8	the	the	DET
fsr-3421	31	9	articulation	articulation	NOUN
fsr-3421	31	10	of	of	ADP
fsr-3421	31	11	the	the	DET
fsr-3421	31	12	interaction	interaction	NOUN
fsr-3421	31	13	between	between	ADP
fsr-3421	31	14	the	the	DET
fsr-3421	31	15	nature	nature	NOUN
fsr-3421	31	16	of	of	ADP
fsr-3421	31	17	advice	advice	NOUN
fsr-3421	31	18	provided	provide	VERB
fsr-3421	31	19	,	,	PUNCT
fsr-3421	31	20	the	the	DET
fsr-3421	31	21	business	business	NOUN
fsr-3421	31	22	models	model	NOUN
fsr-3421	31	23	and	and	CCONJ
fsr-3421	31	24	external	external	ADJ
fsr-3421	31	25	stakeholders	stakeholder	NOUN
fsr-3421	31	26	.	.	PUNCT
fsr-3421	32	1	this	this	PRON
fsr-3421	32	2	is	be	AUX
fsr-3421	32	3	explained	explain	VERB
fsr-3421	32	4	through	through	ADP
fsr-3421	32	5	the	the	DET
fsr-3421	32	6	development	development	NOUN
fsr-3421	32	7	of	of	ADP
fsr-3421	32	8	a	a	DET
fsr-3421	32	9	holistic	holistic	ADJ
fsr-3421	32	10	and	and	CCONJ
fsr-3421	32	11	integrated	integrated	ADJ
fsr-3421	32	12	framework	framework	NOUN
fsr-3421	32	13	.	.	PUNCT
fsr-3421	33	1	the	the	DET
fsr-3421	33	2	framework	framework	NOUN
fsr-3421	33	3	illustrates	illustrate	VERB
fsr-3421	33	4	how	how	SCONJ
fsr-3421	33	5	initiatives	initiative	NOUN
fsr-3421	33	6	by	by	ADP
fsr-3421	33	7	external	external	ADJ
fsr-3421	33	8	stakeholders	stakeholder	NOUN
fsr-3421	33	9	aimed	aim	VERB
fsr-3421	33	10	at	at	ADP
fsr-3421	33	11	achieving	achieve	VERB
fsr-3421	33	12	client	client	NOUN
fsr-3421	33	13	’s	’s	PART
fsr-3421	33	14	best	good	ADJ
fsr-3421	33	15	interest	interest	NOUN
fsr-3421	33	16	practice	practice	NOUN
fsr-3421	33	17	are	be	AUX
fsr-3421	33	18	impeded	impede	VERB
fsr-3421	33	19	by	by	ADP
fsr-3421	33	20	certain	certain	ADJ
fsr-3421	33	21	business	business	NOUN
fsr-3421	33	22	models	model	NOUN
fsr-3421	33	23	.	.	PUNCT
fsr-3421	34	1	as	as	ADP
fsr-3421	34	2	such	such	ADJ
fsr-3421	34	3	,	,	PUNCT
fsr-3421	34	4	this	this	DET
fsr-3421	34	5	framework	framework	NOUN
fsr-3421	34	6	offers	offer	VERB
fsr-3421	34	7	more	more	ADV
fsr-3421	34	8	meaningful	meaningful	ADJ
fsr-3421	34	9	134	134	NUM
fsr-3421	34	10	d.	d.	PROPN
fsr-3421	34	11	w.	w.	PROPN
fsr-3421	34	12	richards	richards	PROPN
fsr-3421	34	13	,	,	PUNCT
fsr-3421	34	14	e.	e.	PROPN
fsr-3421	34	15	f.	f.	PROPN
fsr-3421	34	16	morton	morton	PROPN
fsr-3421	34	17	/	/	SYM
fsr-3421	34	18	financial	financial	ADJ
fsr-3421	34	19	services	service	NOUN
fsr-3421	34	20	review	review	VERB
fsr-3421	34	21	28	28	NUM
fsr-3421	34	22	(	(	PUNCT
fsr-3421	34	23	2020	2020	NUM
fsr-3421	34	24	)	)	PUNCT
fsr-3421	34	25	133–158	133–158	NUM
fsr-3421	34	26	insights	insight	NOUN
fsr-3421	34	27	and	and	CCONJ
fsr-3421	34	28	implications	implication	NOUN
fsr-3421	34	29	for	for	ADP
fsr-3421	34	30	policymakers	policymaker	NOUN
fsr-3421	34	31	,	,	PUNCT
fsr-3421	34	32	financial	financial	ADJ
fsr-3421	34	33	planners	planner	NOUN
fsr-3421	34	34	,	,	PUNCT
fsr-3421	34	35	and	and	CCONJ
fsr-3421	34	36	clients	client	NOUN
fsr-3421	34	37	by	by	ADP
fsr-3421	34	38	conceptualizing	conceptualize	VERB
fsr-3421	34	39	where	where	SCONJ
fsr-3421	34	40	initiatives	initiative	NOUN
fsr-3421	34	41	should	should	AUX
fsr-3421	34	42	be	be	AUX
fsr-3421	34	43	targeted	target	VERB
fsr-3421	34	44	to	to	AUX
fsr-3421	34	45	effectively	effectively	ADV
fsr-3421	34	46	influence	influence	VERB
fsr-3421	34	47	changes	change	NOUN
fsr-3421	34	48	in	in	ADP
fsr-3421	34	49	the	the	DET
fsr-3421	34	50	financial	financial	ADJ
fsr-3421	34	51	advice	advice	NOUN
fsr-3421	34	52	industry	industry	NOUN
fsr-3421	34	53	in	in	ADP
fsr-3421	34	54	australia	australia	PROPN
fsr-3421	34	55	.	.	PUNCT
fsr-3421	35	1	therefore	therefore	ADV
fsr-3421	35	2	,	,	PUNCT
fsr-3421	35	3	this	this	DET
fsr-3421	35	4	article	article	NOUN
fsr-3421	35	5	offers	offer	VERB
fsr-3421	35	6	timely	timely	ADJ
fsr-3421	35	7	clarity	clarity	NOUN
fsr-3421	35	8	on	on	ADP
fsr-3421	35	9	current	current	ADJ
fsr-3421	35	10	australian	australian	ADJ
fsr-3421	35	11	initiatives	initiative	NOUN
fsr-3421	35	12	that	that	PRON
fsr-3421	35	13	are	be	AUX
fsr-3421	35	14	thwarted	thwart	VERB
fsr-3421	35	15	by	by	ADP
fsr-3421	35	16	structural	structural	ADJ
fsr-3421	35	17	barriers	barrier	NOUN
fsr-3421	35	18	and	and	CCONJ
fsr-3421	35	19	,	,	PUNCT
fsr-3421	35	20	therefore	therefore	ADV
fsr-3421	35	21	,	,	PUNCT
fsr-3421	35	22	are	be	AUX
fsr-3421	35	23	at	at	ADP
fsr-3421	35	24	risk	risk	NOUN
fsr-3421	35	25	of	of	ADP
fsr-3421	35	26	becoming	become	VERB
fsr-3421	35	27	blunt	blunt	ADJ
fsr-3421	35	28	tools	tool	NOUN
fsr-3421	35	29	of	of	ADP
fsr-3421	35	30	change	change	NOUN
fsr-3421	35	31	.	.	PUNCT
fsr-3421	36	1	the	the	DET
fsr-3421	36	2	remainder	remainder	NOUN
fsr-3421	36	3	of	of	ADP
fsr-3421	36	4	the	the	DET
fsr-3421	36	5	article	article	NOUN
fsr-3421	36	6	is	be	AUX
fsr-3421	36	7	structured	structure	VERB
fsr-3421	36	8	as	as	SCONJ
fsr-3421	36	9	follows	follow	VERB
fsr-3421	36	10	.	.	PUNCT
fsr-3421	37	1	next	next	ADJ
fsr-3421	37	2	is	be	AUX
fsr-3421	37	3	a	a	DET
fsr-3421	37	4	review	review	NOUN
fsr-3421	37	5	of	of	ADP
fsr-3421	37	6	the	the	DET
fsr-3421	37	7	literature	literature	NOUN
fsr-3421	37	8	on	on	ADP
fsr-3421	37	9	financial	financial	ADJ
fsr-3421	37	10	advice	advice	NOUN
fsr-3421	37	11	and	and	CCONJ
fsr-3421	37	12	client	client	NOUN
fsr-3421	37	13	’s	’s	PART
fsr-3421	37	14	best	good	ADJ
fsr-3421	37	15	interest	interest	NOUN
fsr-3421	37	16	.	.	PUNCT
fsr-3421	38	1	after	after	ADP
fsr-3421	38	2	this	this	PRON
fsr-3421	38	3	,	,	PUNCT
fsr-3421	38	4	the	the	DET
fsr-3421	38	5	research	research	NOUN
fsr-3421	38	6	objectives	objective	NOUN
fsr-3421	38	7	and	and	CCONJ
fsr-3421	38	8	methodology	methodology	NOUN
fsr-3421	38	9	are	be	AUX
fsr-3421	38	10	outlined	outline	VERB
fsr-3421	38	11	.	.	PUNCT
fsr-3421	39	1	next	next	ADV
fsr-3421	39	2	,	,	PUNCT
fsr-3421	39	3	the	the	DET
fsr-3421	39	4	findings	finding	NOUN
fsr-3421	39	5	are	be	AUX
fsr-3421	39	6	outlined	outline	VERB
fsr-3421	39	7	in	in	ADP
fsr-3421	39	8	three	three	NUM
fsr-3421	39	9	sections	section	NOUN
fsr-3421	39	10	:	:	PUNCT
fsr-3421	39	11	a	a	DET
fsr-3421	39	12	general	general	ADJ
fsr-3421	39	13	model	model	NOUN
fsr-3421	39	14	of	of	ADP
fsr-3421	39	15	a	a	DET
fsr-3421	39	16	client	client	NOUN
fsr-3421	39	17	’s	’s	PART
fsr-3421	39	18	best	good	ADJ
fsr-3421	39	19	interest	interest	NOUN
fsr-3421	39	20	in	in	ADP
fsr-3421	39	21	financial	financial	ADJ
fsr-3421	39	22	advice	advice	NOUN
fsr-3421	39	23	,	,	PUNCT
fsr-3421	39	24	three	three	NUM
fsr-3421	39	25	business	business	NOUN
fsr-3421	39	26	models	model	NOUN
fsr-3421	39	27	in	in	ADP
fsr-3421	39	28	financial	financial	ADJ
fsr-3421	39	29	advice	advice	NOUN
fsr-3421	39	30	and	and	CCONJ
fsr-3421	39	31	the	the	DET
fsr-3421	39	32	external	external	ADJ
fsr-3421	39	33	stakeholders	stakeholder	NOUN
fsr-3421	39	34	influencing	influence	VERB
fsr-3421	39	35	best	good	ADJ
fsr-3421	39	36	interest	interest	NOUN
fsr-3421	39	37	practice	practice	NOUN
fsr-3421	39	38	.	.	PUNCT
fsr-3421	40	1	finally	finally	ADV
fsr-3421	40	2	,	,	PUNCT
fsr-3421	40	3	this	this	DET
fsr-3421	40	4	analysis	analysis	NOUN
fsr-3421	40	5	is	be	AUX
fsr-3421	40	6	brought	bring	VERB
fsr-3421	40	7	together	together	ADV
fsr-3421	40	8	through	through	ADP
fsr-3421	40	9	an	an	DET
fsr-3421	40	10	integrated	integrate	VERB
fsr-3421	40	11	framework	framework	NOUN
fsr-3421	40	12	,	,	PUNCT
fsr-3421	40	13	followed	follow	VERB
fsr-3421	40	14	by	by	ADP
fsr-3421	40	15	concluding	conclude	VERB
fsr-3421	40	16	comments	comment	NOUN
fsr-3421	40	17	.	.	PUNCT
fsr-3421	41	1	2	2	X
fsr-3421	41	2	.	.	X
fsr-3421	41	3	literature	literature	NOUN
fsr-3421	41	4	review	review	VERB
fsr-3421	41	5	2.1	2.1	NUM
fsr-3421	41	6	.	.	PUNCT
fsr-3421	42	1	conceptualizing	conceptualize	VERB
fsr-3421	42	2	the	the	DET
fsr-3421	42	3	“	"	PUNCT
fsr-3421	42	4	financial	financial	ADJ
fsr-3421	42	5	advisor	advisor	NOUN
fsr-3421	42	6	”	"	PUNCT
fsr-3421	42	7	in	in	ADP
fsr-3421	42	8	respect	respect	NOUN
fsr-3421	42	9	of	of	ADP
fsr-3421	42	10	financial	financial	ADJ
fsr-3421	42	11	advice	advice	NOUN
fsr-3421	42	12	2.1.1	2.1.1	NUM
fsr-3421	42	13	.	.	PUNCT
fsr-3421	43	1	the	the	DET
fsr-3421	43	2	scope	scope	NOUN
fsr-3421	43	3	of	of	ADP
fsr-3421	43	4	the	the	DET
fsr-3421	43	5	“	"	PUNCT
fsr-3421	43	6	financial	financial	ADJ
fsr-3421	43	7	advisor	advisor	NOUN
fsr-3421	43	8	”	"	PUNCT
fsr-3421	43	9	our	our	PRON
fsr-3421	43	10	article	article	NOUN
fsr-3421	43	11	purposely	purposely	ADV
fsr-3421	43	12	uses	use	VERB
fsr-3421	43	13	the	the	DET
fsr-3421	43	14	holistic	holistic	ADJ
fsr-3421	43	15	term	term	NOUN
fsr-3421	43	16	of	of	ADP
fsr-3421	43	17	“	"	PUNCT
fsr-3421	43	18	financial	financial	ADJ
fsr-3421	43	19	advisor	advisor	NOUN
fsr-3421	43	20	”	"	PUNCT
fsr-3421	43	21	to	to	PART
fsr-3421	43	22	encompass	encompass	VERB
fsr-3421	43	23	the	the	DET
fsr-3421	43	24	many	many	ADJ
fsr-3421	43	25	occupations	occupation	NOUN
fsr-3421	43	26	and	and	CCONJ
fsr-3421	43	27	professions	profession	NOUN
fsr-3421	43	28	that	that	PRON
fsr-3421	43	29	offer	offer	VERB
fsr-3421	43	30	financial	financial	ADJ
fsr-3421	43	31	advice	advice	NOUN
fsr-3421	43	32	.	.	PUNCT
fsr-3421	44	1	for	for	ADP
fsr-3421	44	2	example	example	NOUN
fsr-3421	44	3	,	,	PUNCT
fsr-3421	44	4	the	the	DET
fsr-3421	44	5	following	follow	VERB
fsr-3421	44	6	occupations	occupation	NOUN
fsr-3421	44	7	and	and	CCONJ
fsr-3421	44	8	professions	profession	NOUN
fsr-3421	44	9	have	have	VERB
fsr-3421	44	10	an	an	DET
fsr-3421	44	11	element	element	NOUN
fsr-3421	44	12	of	of	ADP
fsr-3421	44	13	financial	financial	ADJ
fsr-3421	44	14	advice	advice	NOUN
fsr-3421	44	15	in	in	ADP
fsr-3421	44	16	their	their	PRON
fsr-3421	44	17	work	work	NOUN
fsr-3421	44	18	:	:	PUNCT
fsr-3421	44	19	financial	financial	ADJ
fsr-3421	44	20	planner	planner	NOUN
fsr-3421	44	21	,	,	PUNCT
fsr-3421	44	22	investment	investment	NOUN
fsr-3421	44	23	advisor	advisor	NOUN
fsr-3421	44	24	,	,	PUNCT
fsr-3421	44	25	wealth	wealth	NOUN
fsr-3421	44	26	advisor	advisor	NOUN
fsr-3421	44	27	,	,	PUNCT
fsr-3421	44	28	tax	tax	NOUN
fsr-3421	44	29	advisor	advisor	NOUN
fsr-3421	44	30	,	,	PUNCT
fsr-3421	44	31	stockbroker	stockbroker	NOUN
fsr-3421	44	32	,	,	PUNCT
fsr-3421	44	33	financial	financial	ADJ
fsr-3421	44	34	product	product	NOUN
fsr-3421	44	35	sales	sale	NOUN
fsr-3421	44	36	agent	agent	NOUN
fsr-3421	44	37	,	,	PUNCT
fsr-3421	44	38	mortgage	mortgage	NOUN
fsr-3421	44	39	broker	broker	NOUN
fsr-3421	44	40	,	,	PUNCT
fsr-3421	44	41	real	real	ADJ
fsr-3421	44	42	estate	estate	NOUN
fsr-3421	44	43	agent	agent	NOUN
fsr-3421	44	44	,	,	PUNCT
fsr-3421	44	45	accountant	accountant	NOUN
fsr-3421	44	46	,	,	PUNCT
fsr-3421	44	47	or	or	CCONJ
fsr-3421	44	48	lawyer	lawyer	NOUN
fsr-3421	44	49	.	.	PUNCT
fsr-3421	45	1	from	from	ADP
fsr-3421	45	2	this	this	DET
fsr-3421	45	3	perspective	perspective	NOUN
fsr-3421	45	4	,	,	PUNCT
fsr-3421	45	5	advice	advice	NOUN
fsr-3421	45	6	can	can	AUX
fsr-3421	45	7	be	be	AUX
fsr-3421	45	8	considered	consider	VERB
fsr-3421	45	9	financial	financial	ADJ
fsr-3421	45	10	advice	advice	NOUN
fsr-3421	45	11	if	if	SCONJ
fsr-3421	45	12	“	"	PUNCT
fsr-3421	45	13	it	it	PRON
fsr-3421	45	14	is	be	AUX
fsr-3421	45	15	intended	intend	VERB
fsr-3421	45	16	to	to	PART
fsr-3421	45	17	influence	influence	VERB
fsr-3421	45	18	a	a	DET
fsr-3421	45	19	person	person	NOUN
fsr-3421	45	20	or	or	CCONJ
fsr-3421	45	21	persons	person	NOUN
fsr-3421	45	22	in	in	ADP
fsr-3421	45	23	making	make	VERB
fsr-3421	45	24	a	a	DET
fsr-3421	45	25	decision	decision	NOUN
fsr-3421	45	26	about	about	ADP
fsr-3421	45	27	a	a	DET
fsr-3421	45	28	particular	particular	ADJ
fsr-3421	45	29	financial	financial	ADJ
fsr-3421	45	30	product	product	NOUN
fsr-3421	45	31	”	"	PUNCT
fsr-3421	45	32	(	(	PUNCT
fsr-3421	45	33	australian	australian	ADJ
fsr-3421	45	34	securities	security	NOUN
fsr-3421	45	35	&	&	CCONJ
fsr-3421	45	36	investment	investment	PROPN
fsr-3421	45	37	commission	commission	PROPN
fsr-3421	45	38	(	(	PUNCT
fsr-3421	45	39	asic	asic	PROPN
fsr-3421	45	40	)	)	PUNCT
fsr-3421	45	41	2016	2016	NUM
fsr-3421	45	42	:	:	PUNCT
fsr-3421	45	43	5	5	NUM
fsr-3421	45	44	)	)	PUNCT
fsr-3421	45	45	.	.	PUNCT
fsr-3421	46	1	our	our	PRON
fsr-3421	46	2	holistic	holistic	ADJ
fsr-3421	46	3	perspective	perspective	NOUN
fsr-3421	46	4	can	can	AUX
fsr-3421	46	5	be	be	AUX
fsr-3421	46	6	contrasted	contrast	VERB
fsr-3421	46	7	with	with	ADP
fsr-3421	46	8	a	a	DET
fsr-3421	46	9	narrower	narrow	ADJ
fsr-3421	46	10	focus	focus	NOUN
fsr-3421	46	11	,	,	PUNCT
fsr-3421	46	12	such	such	ADJ
fsr-3421	46	13	as	as	ADP
fsr-3421	46	14	on	on	ADP
fsr-3421	46	15	the	the	DET
fsr-3421	46	16	financial	financial	ADJ
fsr-3421	46	17	planner	planner	NOUN
fsr-3421	46	18	alone	alone	ADV
fsr-3421	46	19	within	within	ADP
fsr-3421	46	20	the	the	DET
fsr-3421	46	21	international	international	ADJ
fsr-3421	46	22	setting	setting	NOUN
fsr-3421	46	23	.	.	PUNCT
fsr-3421	47	1	warschauer	warschauer	NOUN
fsr-3421	47	2	(	(	PUNCT
fsr-3421	47	3	2002	2002	NUM
fsr-3421	47	4	:	:	PUNCT
fsr-3421	47	5	204	204	NUM
fsr-3421	47	6	)	)	PUNCT
fsr-3421	47	7	,	,	PUNCT
fsr-3421	47	8	considered	consider	VERB
fsr-3421	47	9	financial	financial	ADJ
fsr-3421	47	10	planning	planning	NOUN
fsr-3421	47	11	in	in	ADP
fsr-3421	47	12	particular	particular	ADJ
fsr-3421	47	13	,	,	PUNCT
fsr-3421	47	14	noting	note	VERB
fsr-3421	47	15	that	that	SCONJ
fsr-3421	47	16	“	"	PUNCT
fsr-3421	47	17	one	one	PRON
fsr-3421	47	18	can	can	AUX
fsr-3421	47	19	be	be	AUX
fsr-3421	47	20	a	a	DET
fsr-3421	47	21	financial	financial	ADJ
fsr-3421	47	22	adviser	adviser	NOUN
fsr-3421	47	23	or	or	CCONJ
fsr-3421	47	24	consultant	consultant	NOUN
fsr-3421	47	25	or	or	CCONJ
fsr-3421	47	26	give	give	VERB
fsr-3421	47	27	financial	financial	ADJ
fsr-3421	47	28	advice	advice	NOUN
fsr-3421	47	29	without	without	ADP
fsr-3421	47	30	being	be	AUX
fsr-3421	47	31	a	a	DET
fsr-3421	47	32	financial	financial	ADJ
fsr-3421	47	33	planner	planner	NOUN
fsr-3421	47	34	,	,	PUNCT
fsr-3421	47	35	but	but	CCONJ
fsr-3421	47	36	one	one	NUM
fsr-3421	47	37	is	be	AUX
fsr-3421	47	38	not	not	PART
fsr-3421	47	39	practicing	practice	VERB
fsr-3421	47	40	as	as	ADP
fsr-3421	47	41	a	a	DET
fsr-3421	47	42	financial	financial	ADJ
fsr-3421	47	43	planner	planner	NOUN
fsr-3421	47	44	without	without	ADP
fsr-3421	47	45	the	the	DET
fsr-3421	47	46	elements	element	NOUN
fsr-3421	47	47	of	of	ADP
fsr-3421	47	48	the	the	DET
fsr-3421	47	49	definition	definition	NOUN
fsr-3421	47	50	and	and	CCONJ
fsr-3421	47	51	the	the	DET
fsr-3421	47	52	process	process	NOUN
fsr-3421	47	53	intact	intact	ADJ
fsr-3421	47	54	.	.	PUNCT
fsr-3421	47	55	”	"	PUNCT
fsr-3421	48	1	our	our	PRON
fsr-3421	48	2	perspective	perspective	NOUN
fsr-3421	48	3	focuses	focus	VERB
fsr-3421	48	4	on	on	ADP
fsr-3421	48	5	the	the	DET
fsr-3421	48	6	outcome	outcome	NOUN
fsr-3421	48	7	of	of	ADP
fsr-3421	48	8	the	the	DET
fsr-3421	48	9	provision	provision	NOUN
fsr-3421	48	10	of	of	ADP
fsr-3421	48	11	financial	financial	ADJ
fsr-3421	48	12	advice	advice	NOUN
fsr-3421	48	13	,	,	PUNCT
fsr-3421	48	14	rather	rather	ADV
fsr-3421	48	15	than	than	ADP
fsr-3421	48	16	the	the	DET
fsr-3421	48	17	provider	provider	NOUN
fsr-3421	48	18	process	process	NOUN
fsr-3421	48	19	,	,	PUNCT
fsr-3421	48	20	and	and	CCONJ
fsr-3421	48	21	as	as	SCONJ
fsr-3421	48	22	such	such	ADJ
fsr-3421	48	23	captures	capture	NOUN
fsr-3421	48	24	numerous	numerous	ADJ
fsr-3421	48	25	providers	provider	NOUN
fsr-3421	48	26	of	of	ADP
fsr-3421	48	27	financial	financial	ADJ
fsr-3421	48	28	advice	advice	NOUN
fsr-3421	48	29	.	.	PUNCT
fsr-3421	49	1	in	in	ADP
fsr-3421	49	2	that	that	DET
fsr-3421	49	3	sense	sense	NOUN
fsr-3421	49	4	,	,	PUNCT
fsr-3421	49	5	both	both	PRON
fsr-3421	49	6	a	a	DET
fsr-3421	49	7	lawyer	lawyer	NOUN
fsr-3421	49	8	and	and	CCONJ
fsr-3421	49	9	a	a	DET
fsr-3421	49	10	stockbroker	stockbroker	NOUN
fsr-3421	49	11	are	be	AUX
fsr-3421	49	12	providing	provide	VERB
fsr-3421	49	13	financial	financial	ADJ
fsr-3421	49	14	advice	advice	NOUN
fsr-3421	49	15	,	,	PUNCT
fsr-3421	49	16	but	but	CCONJ
fsr-3421	49	17	the	the	DET
fsr-3421	49	18	advice	advice	NOUN
fsr-3421	49	19	they	they	PRON
fsr-3421	49	20	provide	provide	VERB
fsr-3421	49	21	may	may	AUX
fsr-3421	49	22	differ	differ	VERB
fsr-3421	49	23	greatly	greatly	ADV
fsr-3421	49	24	.	.	PUNCT
fsr-3421	50	1	in	in	ADP
fsr-3421	50	2	doing	do	VERB
fsr-3421	50	3	so	so	ADV
fsr-3421	50	4	,	,	PUNCT
fsr-3421	50	5	we	we	PRON
fsr-3421	50	6	can	can	AUX
fsr-3421	50	7	“	"	PUNCT
fsr-3421	50	8	capture	capture	VERB
fsr-3421	50	9	the	the	DET
fsr-3421	50	10	diversity	diversity	NOUN
fsr-3421	50	11	and	and	CCONJ
fsr-3421	50	12	complexity	complexity	NOUN
fsr-3421	50	13	of	of	ADP
fsr-3421	50	14	financial	financial	ADJ
fsr-3421	50	15	planning	planning	NOUN
fsr-3421	50	16	engagement	engagement	NOUN
fsr-3421	50	17	”	"	PUNCT
fsr-3421	50	18	(	(	PUNCT
fsr-3421	50	19	heckman	heckman	PROPN
fsr-3421	50	20	,	,	PUNCT
fsr-3421	50	21	seay	seay	PROPN
fsr-3421	50	22	,	,	PUNCT
fsr-3421	50	23	kim	kim	PROPN
fsr-3421	50	24	,	,	PUNCT
fsr-3421	50	25	&	&	CCONJ
fsr-3421	50	26	letkiewicz	letkiewicz	PROPN
fsr-3421	50	27	,	,	PUNCT
fsr-3421	50	28	2016	2016	NUM
fsr-3421	50	29	:	:	PUNCT
fsr-3421	50	30	442	442	NUM
fsr-3421	50	31	)	)	PUNCT
fsr-3421	50	32	more	more	ADV
fsr-3421	50	33	broadly	broadly	ADV
fsr-3421	50	34	.	.	PUNCT
fsr-3421	51	1	2.1.2	2.1.2	X
fsr-3421	51	2	.	.	X
fsr-3421	51	3	client	client	PROPN
fsr-3421	51	4	’s	’s	PART
fsr-3421	51	5	best	good	ADJ
fsr-3421	51	6	interest	interest	NOUN
fsr-3421	51	7	an	an	DET
fsr-3421	51	8	overarching	overarching	ADJ
fsr-3421	51	9	element	element	NOUN
fsr-3421	51	10	of	of	ADP
fsr-3421	51	11	financial	financial	ADJ
fsr-3421	51	12	advice	advice	NOUN
fsr-3421	51	13	is	be	AUX
fsr-3421	51	14	that	that	SCONJ
fsr-3421	51	15	clients	client	NOUN
fsr-3421	51	16	seek	seek	VERB
fsr-3421	51	17	advice	advice	NOUN
fsr-3421	51	18	to	to	PART
fsr-3421	51	19	aid	aid	VERB
fsr-3421	51	20	in	in	ADP
fsr-3421	51	21	making	make	VERB
fsr-3421	51	22	financial	financial	ADJ
fsr-3421	51	23	decisions	decision	NOUN
fsr-3421	51	24	because	because	SCONJ
fsr-3421	51	25	of	of	ADP
fsr-3421	51	26	an	an	DET
fsr-3421	51	27	inability	inability	NOUN
fsr-3421	51	28	to	to	PART
fsr-3421	51	29	undertake	undertake	VERB
fsr-3421	51	30	these	these	DET
fsr-3421	51	31	decisions	decision	NOUN
fsr-3421	51	32	wholly	wholly	ADV
fsr-3421	51	33	by	by	ADP
fsr-3421	51	34	themselves	themselves	PRON
fsr-3421	51	35	.	.	PUNCT
fsr-3421	52	1	prioritizing	prioritize	VERB
fsr-3421	52	2	a	a	DET
fsr-3421	52	3	client	client	NOUN
fsr-3421	52	4	’s	’s	PART
fsr-3421	52	5	best	good	ADJ
fsr-3421	52	6	interest	interest	NOUN
fsr-3421	52	7	is	be	AUX
fsr-3421	52	8	an	an	DET
fsr-3421	52	9	element	element	NOUN
fsr-3421	52	10	of	of	ADP
fsr-3421	52	11	financial	financial	ADJ
fsr-3421	52	12	advice	advice	NOUN
fsr-3421	52	13	because	because	SCONJ
fsr-3421	52	14	the	the	DET
fsr-3421	52	15	client	client	NOUN
fsr-3421	52	16	is	be	AUX
fsr-3421	52	17	entrusting	entrust	VERB
fsr-3421	52	18	some	some	DET
fsr-3421	52	19	aspects	aspect	NOUN
fsr-3421	52	20	of	of	ADP
fsr-3421	52	21	decision	decision	NOUN
fsr-3421	52	22	making	make	VERB
fsr-3421	52	23	to	to	ADP
fsr-3421	52	24	the	the	DET
fsr-3421	52	25	financial	financial	ADJ
fsr-3421	52	26	advisor	advisor	NOUN
fsr-3421	52	27	(	(	PUNCT
fsr-3421	52	28	inderst	inderst	PROPN
fsr-3421	52	29	&	&	CCONJ
fsr-3421	52	30	ottaviani	ottaviani	PROPN
fsr-3421	52	31	,	,	PUNCT
fsr-3421	52	32	2012b	2012b	NUM
fsr-3421	52	33	)	)	PUNCT
fsr-3421	52	34	.	.	PUNCT
fsr-3421	53	1	we	we	PRON
fsr-3421	53	2	use	use	VERB
fsr-3421	53	3	the	the	DET
fsr-3421	53	4	terminology	terminology	NOUN
fsr-3421	53	5	client	client	NOUN
fsr-3421	53	6	’s	’s	PART
fsr-3421	53	7	best	good	ADJ
fsr-3421	53	8	interest	interest	NOUN
fsr-3421	53	9	,	,	PUNCT
fsr-3421	53	10	but	but	CCONJ
fsr-3421	53	11	this	this	PRON
fsr-3421	53	12	is	be	AUX
fsr-3421	53	13	akin	akin	ADJ
fsr-3421	53	14	to	to	ADP
fsr-3421	53	15	fiduciary	fiduciary	ADJ
fsr-3421	53	16	duty	duty	NOUN
fsr-3421	53	17	in	in	ADP
fsr-3421	53	18	d.	d.	PROPN
fsr-3421	53	19	w.	w.	PROPN
fsr-3421	53	20	richards	richards	PROPN
fsr-3421	53	21	,	,	PUNCT
fsr-3421	53	22	e.	e.	PROPN
fsr-3421	53	23	f.	f.	PROPN
fsr-3421	53	24	morton	morton	PROPN
fsr-3421	53	25	/	/	SYM
fsr-3421	53	26	financial	financial	ADJ
fsr-3421	53	27	services	service	NOUN
fsr-3421	53	28	review	review	VERB
fsr-3421	53	29	28	28	NUM
fsr-3421	53	30	(	(	PUNCT
fsr-3421	53	31	2020	2020	NUM
fsr-3421	53	32	)	)	PUNCT
fsr-3421	53	33	133–158	133–158	NUM
fsr-3421	53	34	135	135	NUM
fsr-3421	53	35	financial	financial	ADJ
fsr-3421	53	36	services	service	NOUN
fsr-3421	53	37	(	(	PUNCT
fsr-3421	53	38	boatright	boatright	NOUN
fsr-3421	53	39	,	,	PUNCT
fsr-3421	53	40	2000	2000	NUM
fsr-3421	53	41	)	)	PUNCT
fsr-3421	53	42	,	,	PUNCT
fsr-3421	53	43	with	with	ADP
fsr-3421	53	44	the	the	DET
fsr-3421	53	45	terms	term	NOUN
fsr-3421	53	46	used	use	VERB
fsr-3421	53	47	interchangeably	interchangeably	ADV
fsr-3421	53	48	in	in	ADP
fsr-3421	53	49	academic	academic	ADJ
fsr-3421	53	50	literature	literature	NOUN
fsr-3421	53	51	(	(	PUNCT
fsr-3421	53	52	angel	angel	NOUN
fsr-3421	53	53	&	&	CCONJ
fsr-3421	53	54	mccabe	mccabe	PROPN
fsr-3421	53	55	,	,	PUNCT
fsr-3421	53	56	2013	2013	NUM
fsr-3421	53	57	)	)	PUNCT
fsr-3421	53	58	and	and	CCONJ
fsr-3421	53	59	financial	financial	ADJ
fsr-3421	53	60	advice	advice	NOUN
fsr-3421	53	61	practice	practice	NOUN
fsr-3421	53	62	(	(	PUNCT
fsr-3421	53	63	maley	maley	PROPN
fsr-3421	53	64	,	,	PUNCT
fsr-3421	53	65	2018	2018	NUM
fsr-3421	53	66	)	)	PUNCT
fsr-3421	53	67	.	.	PUNCT
fsr-3421	54	1	boatright	boatright	NOUN
fsr-3421	54	2	(	(	PUNCT
fsr-3421	54	3	2000	2000	NUM
fsr-3421	54	4	:	:	PUNCT
fsr-3421	54	5	202	202	NUM
fsr-3421	54	6	)	)	PUNCT
fsr-3421	54	7	states	state	VERB
fsr-3421	54	8	“	"	PUNCT
fsr-3421	54	9	fiduciary	fiduciary	ADJ
fsr-3421	54	10	duties	duty	NOUN
fsr-3421	54	11	are	be	AUX
fsr-3421	54	12	the	the	DET
fsr-3421	54	13	duties	duty	NOUN
fsr-3421	54	14	of	of	ADP
fsr-3421	54	15	a	a	DET
fsr-3421	54	16	fiduciary	fiduciary	NOUN
fsr-3421	54	17	to	to	PART
fsr-3421	54	18	act	act	VERB
fsr-3421	54	19	in	in	ADP
fsr-3421	54	20	that	that	DET
fsr-3421	54	21	other	other	ADJ
fsr-3421	54	22	person	person	NOUN
fsr-3421	54	23	’s	’s	PART
fsr-3421	54	24	interest	interest	NOUN
fsr-3421	54	25	without	without	ADP
fsr-3421	54	26	gaining	gain	VERB
fsr-3421	54	27	any	any	DET
fsr-3421	54	28	material	material	NOUN
fsr-3421	54	29	benefit	benefit	NOUN
fsr-3421	54	30	except	except	SCONJ
fsr-3421	54	31	with	with	ADP
fsr-3421	54	32	the	the	DET
fsr-3421	54	33	knowledge	knowledge	NOUN
fsr-3421	54	34	and	and	CCONJ
fsr-3421	54	35	consent	consent	NOUN
fsr-3421	54	36	of	of	ADP
fsr-3421	54	37	that	that	DET
fsr-3421	54	38	person	person	NOUN
fsr-3421	54	39	.	.	PUNCT
fsr-3421	54	40	”	"	PUNCT
fsr-3421	55	1	with	with	ADP
fsr-3421	55	2	this	this	PRON
fsr-3421	55	3	in	in	ADP
fsr-3421	55	4	mind	mind	NOUN
fsr-3421	55	5	,	,	PUNCT
fsr-3421	55	6	a	a	DET
fsr-3421	55	7	client	client	NOUN
fsr-3421	55	8	’s	’s	PART
fsr-3421	55	9	best	good	ADJ
fsr-3421	55	10	interest	interest	NOUN
fsr-3421	55	11	duty	duty	NOUN
fsr-3421	55	12	is	be	AUX
fsr-3421	55	13	obliged	oblige	VERB
fsr-3421	55	14	in	in	ADP
fsr-3421	55	15	financial	financial	ADJ
fsr-3421	55	16	advice	advice	NOUN
fsr-3421	55	17	but	but	CCONJ
fsr-3421	55	18	has	have	VERB
fsr-3421	55	19	some	some	DET
fsr-3421	55	20	limitations	limitation	NOUN
fsr-3421	55	21	.	.	PUNCT
fsr-3421	56	1	firstly	firstly	ADV
fsr-3421	56	2	,	,	PUNCT
fsr-3421	56	3	this	this	DET
fsr-3421	56	4	duty	duty	NOUN
fsr-3421	56	5	obscures	obscure	VERB
fsr-3421	56	6	the	the	DET
fsr-3421	56	7	type	type	NOUN
fsr-3421	56	8	of	of	ADP
fsr-3421	56	9	advice	advice	NOUN
fsr-3421	56	10	being	be	AUX
fsr-3421	56	11	provided	provide	VERB
fsr-3421	56	12	and	and	CCONJ
fsr-3421	56	13	whether	whether	SCONJ
fsr-3421	56	14	a	a	DET
fsr-3421	56	15	client	client	NOUN
fsr-3421	56	16	’s	’s	PART
fsr-3421	56	17	best	good	ADJ
fsr-3421	56	18	interest	interest	NOUN
fsr-3421	56	19	obligation	obligation	NOUN
fsr-3421	56	20	is	be	AUX
fsr-3421	56	21	enacted	enact	VERB
fsr-3421	56	22	.	.	PUNCT
fsr-3421	57	1	some	some	DET
fsr-3421	57	2	advice	advice	NOUN
fsr-3421	57	3	,	,	PUNCT
fsr-3421	57	4	such	such	ADJ
fsr-3421	57	5	as	as	ADP
fsr-3421	57	6	tv	tv	NOUN
fsr-3421	57	7	commercials	commercial	NOUN
fsr-3421	57	8	of	of	ADP
fsr-3421	57	9	financial	financial	ADJ
fsr-3421	57	10	products	product	NOUN
fsr-3421	57	11	,	,	PUNCT
fsr-3421	57	12	by	by	ADP
fsr-3421	57	13	their	their	PRON
fsr-3421	57	14	nature	nature	NOUN
fsr-3421	57	15	,	,	PUNCT
fsr-3421	57	16	are	be	AUX
fsr-3421	57	17	presenting	present	VERB
fsr-3421	57	18	information	information	NOUN
fsr-3421	57	19	.	.	PUNCT
fsr-3421	58	1	yet	yet	ADV
fsr-3421	58	2	,	,	PUNCT
fsr-3421	58	3	this	this	DET
fsr-3421	58	4	information	information	NOUN
fsr-3421	58	5	provider	provider	NOUN
fsr-3421	58	6	can	can	AUX
fsr-3421	58	7	not	not	PART
fsr-3421	58	8	aim	aim	VERB
fsr-3421	58	9	to	to	PART
fsr-3421	58	10	be	be	AUX
fsr-3421	58	11	acting	act	VERB
fsr-3421	58	12	in	in	ADP
fsr-3421	58	13	a	a	DET
fsr-3421	58	14	client	client	NOUN
fsr-3421	58	15	’s	’s	PART
fsr-3421	58	16	best	good	ADJ
fsr-3421	58	17	interest	interest	NOUN
fsr-3421	58	18	as	as	ADP
fsr-3421	58	19	the	the	DET
fsr-3421	58	20	client	client	NOUN
fsr-3421	58	21	’s	’s	PART
fsr-3421	58	22	interest	interest	NOUN
fsr-3421	58	23	is	be	AUX
fsr-3421	58	24	unknown	unknown	ADJ
fsr-3421	58	25	.	.	PUNCT
fsr-3421	59	1	however	however	ADV
fsr-3421	59	2	,	,	PUNCT
fsr-3421	59	3	such	such	ADJ
fsr-3421	59	4	information	information	NOUN
fsr-3421	59	5	is	be	AUX
fsr-3421	59	6	used	use	VERB
fsr-3421	59	7	to	to	PART
fsr-3421	59	8	influence	influence	VERB
fsr-3421	59	9	financial	financial	ADJ
fsr-3421	59	10	decisions	decision	NOUN
fsr-3421	59	11	and	and	CCONJ
fsr-3421	59	12	should	should	AUX
fsr-3421	59	13	be	be	AUX
fsr-3421	59	14	considered	consider	VERB
fsr-3421	59	15	financial	financial	ADJ
fsr-3421	59	16	advice	advice	NOUN
fsr-3421	59	17	.	.	PUNCT
fsr-3421	60	1	secondly	secondly	ADV
fsr-3421	60	2	,	,	PUNCT
fsr-3421	60	3	there	there	PRON
fsr-3421	60	4	is	be	VERB
fsr-3421	60	5	a	a	DET
fsr-3421	60	6	growing	grow	VERB
fsr-3421	60	7	amount	amount	NOUN
fsr-3421	60	8	of	of	ADP
fsr-3421	60	9	research	research	NOUN
fsr-3421	60	10	that	that	PRON
fsr-3421	60	11	suggests	suggest	VERB
fsr-3421	60	12	that	that	SCONJ
fsr-3421	60	13	a	a	DET
fsr-3421	60	14	client	client	NOUN
fsr-3421	60	15	’s	’s	PART
fsr-3421	60	16	best	good	ADJ
fsr-3421	60	17	interest	interest	NOUN
fsr-3421	60	18	duty	duty	NOUN
fsr-3421	60	19	is	be	AUX
fsr-3421	60	20	not	not	PART
fsr-3421	60	21	being	be	AUX
fsr-3421	60	22	met	meet	VERB
fsr-3421	60	23	by	by	ADP
fsr-3421	60	24	financial	financial	ADJ
fsr-3421	60	25	advisors	advisor	NOUN
fsr-3421	60	26	.	.	PUNCT
fsr-3421	61	1	however	however	ADV
fsr-3421	61	2	,	,	PUNCT
fsr-3421	61	3	this	this	PRON
fsr-3421	61	4	reflects	reflect	VERB
fsr-3421	61	5	an	an	DET
fsr-3421	61	6	international	international	ADJ
fsr-3421	61	7	context	context	NOUN
fsr-3421	61	8	and	and	CCONJ
fsr-3421	61	9	because	because	SCONJ
fsr-3421	61	10	of	of	ADP
fsr-3421	61	11	local	local	ADJ
fsr-3421	61	12	regulatory	regulatory	ADJ
fsr-3421	61	13	environments	environment	NOUN
fsr-3421	61	14	poses	pose	VERB
fsr-3421	61	15	issues	issue	NOUN
fsr-3421	61	16	of	of	ADP
fsr-3421	61	17	generalizability	generalizability	NOUN
fsr-3421	61	18	.	.	PUNCT
fsr-3421	62	1	2.2	2.2	NUM
fsr-3421	62	2	.	.	PUNCT
fsr-3421	63	1	an	an	DET
fsr-3421	63	2	international	international	ADJ
fsr-3421	63	3	perspective	perspective	NOUN
fsr-3421	63	4	on	on	ADP
fsr-3421	63	5	conflicts	conflict	NOUN
fsr-3421	63	6	of	of	ADP
fsr-3421	63	7	interest	interest	NOUN
fsr-3421	63	8	examining	examine	VERB
fsr-3421	63	9	the	the	DET
fsr-3421	63	10	international	international	ADJ
fsr-3421	63	11	setting	setting	NOUN
fsr-3421	63	12	,	,	PUNCT
fsr-3421	63	13	extant	extant	ADJ
fsr-3421	63	14	research	research	NOUN
fsr-3421	63	15	reveals	reveal	VERB
fsr-3421	63	16	conflicting	conflicting	ADJ
fsr-3421	63	17	effectiveness	effectiveness	NOUN
fsr-3421	63	18	of	of	ADP
fsr-3421	63	19	financial	financial	ADJ
fsr-3421	63	20	advice	advice	NOUN
fsr-3421	63	21	.	.	PUNCT
fsr-3421	64	1	relevant	relevant	ADJ
fsr-3421	64	2	research	research	NOUN
fsr-3421	64	3	shows	show	VERB
fsr-3421	64	4	that	that	SCONJ
fsr-3421	64	5	many	many	ADJ
fsr-3421	64	6	individuals	individual	NOUN
fsr-3421	64	7	entrust	entrust	VERB
fsr-3421	64	8	financial	financial	ADJ
fsr-3421	64	9	advisors	advisor	NOUN
fsr-3421	64	10	(	(	PUNCT
fsr-3421	64	11	or	or	CCONJ
fsr-3421	64	12	financial	financial	ADJ
fsr-3421	64	13	planners	planner	NOUN
fsr-3421	64	14	)	)	PUNCT
fsr-3421	64	15	to	to	PART
fsr-3421	64	16	help	help	VERB
fsr-3421	64	17	navigate	navigate	VERB
fsr-3421	64	18	through	through	ADP
fsr-3421	64	19	financial	financial	ADJ
fsr-3421	64	20	decision	decision	NOUN
fsr-3421	64	21	making	making	NOUN
fsr-3421	64	22	(	(	PUNCT
fsr-3421	64	23	e.g.	e.g.	ADV
fsr-3421	64	24	,	,	PUNCT
fsr-3421	64	25	within	within	ADP
fsr-3421	64	26	the	the	DET
fsr-3421	64	27	italian	italian	ADJ
fsr-3421	64	28	context	context	NOUN
fsr-3421	64	29	:	:	PUNCT
fsr-3421	64	30	calcagno	calcagno	NOUN
fsr-3421	64	31	,	,	PUNCT
fsr-3421	64	32	giofre	giofre	NOUN
fsr-3421	64	33	,	,	PUNCT
fsr-3421	64	34	&	&	CCONJ
fsr-3421	64	35	urzi	urzi	NOUN
fsr-3421	64	36	-	-	PUNCT
fsr-3421	64	37	brancati	brancati	NOUN
fsr-3421	64	38	,	,	PUNCT
fsr-3421	64	39	2017	2017	NUM
fsr-3421	64	40	)	)	PUNCT
fsr-3421	64	41	.	.	PUNCT
fsr-3421	65	1	however	however	ADV
fsr-3421	65	2	,	,	PUNCT
fsr-3421	65	3	inconsistency	inconsistency	NOUN
fsr-3421	65	4	can	can	AUX
fsr-3421	65	5	be	be	AUX
fsr-3421	65	6	seen	see	VERB
fsr-3421	65	7	in	in	ADP
fsr-3421	65	8	the	the	DET
fsr-3421	65	9	effectiveness	effectiveness	NOUN
fsr-3421	65	10	of	of	ADP
fsr-3421	65	11	financial	financial	ADJ
fsr-3421	65	12	advisors	advisor	NOUN
fsr-3421	65	13	and	and	CCONJ
fsr-3421	65	14	their	their	PRON
fsr-3421	65	15	advice	advice	NOUN
fsr-3421	65	16	.	.	PUNCT
fsr-3421	66	1	foerster	foerster	PROPN
fsr-3421	66	2	et	et	PROPN
fsr-3421	66	3	al	al	PROPN
fsr-3421	66	4	.	.	PROPN
fsr-3421	67	1	(	(	PUNCT
fsr-3421	67	2	2017	2017	NUM
fsr-3421	67	3	)	)	PUNCT
fsr-3421	67	4	find	find	VERB
fsr-3421	67	5	that	that	SCONJ
fsr-3421	67	6	on	on	ADP
fsr-3421	67	7	-	-	PUNCT
fsr-3421	67	8	going	go	VERB
fsr-3421	67	9	commission	commission	NOUN
fsr-3421	67	10	-	-	PUNCT
fsr-3421	67	11	based	base	VERB
fsr-3421	67	12	fees	fee	NOUN
fsr-3421	67	13	charged	charge	VERB
fsr-3421	67	14	by	by	ADP
fsr-3421	67	15	financial	financial	ADJ
fsr-3421	67	16	advisors	advisor	NOUN
fsr-3421	67	17	reduce	reduce	VERB
fsr-3421	67	18	investment	investment	NOUN
fsr-3421	67	19	performance	performance	NOUN
fsr-3421	67	20	for	for	ADP
fsr-3421	67	21	investors	investor	NOUN
fsr-3421	67	22	in	in	ADP
fsr-3421	67	23	canada	canada	PROPN
fsr-3421	67	24	.	.	PUNCT
fsr-3421	68	1	in	in	ADP
fsr-3421	68	2	germany	germany	PROPN
fsr-3421	68	3	,	,	PUNCT
fsr-3421	68	4	hackethal	hackethal	VERB
fsr-3421	68	5	et	et	PROPN
fsr-3421	68	6	al	al	PROPN
fsr-3421	68	7	.	.	PROPN
fsr-3421	69	1	(	(	PUNCT
fsr-3421	69	2	2012	2012	NUM
fsr-3421	69	3	)	)	PUNCT
fsr-3421	69	4	find	find	VERB
fsr-3421	69	5	that	that	SCONJ
fsr-3421	69	6	portfolio	portfolio	NOUN
fsr-3421	69	7	performance	performance	NOUN
fsr-3421	69	8	of	of	ADP
fsr-3421	69	9	investors	investor	NOUN
fsr-3421	69	10	who	who	PRON
fsr-3421	69	11	use	use	VERB
fsr-3421	69	12	bank	bank	NOUN
fsr-3421	69	13	financial	financial	ADJ
fsr-3421	69	14	advisors	advisor	NOUN
fsr-3421	69	15	is	be	AUX
fsr-3421	69	16	inferior	inferior	ADJ
fsr-3421	69	17	to	to	ADP
fsr-3421	69	18	independent	independent	ADJ
fsr-3421	69	19	financial	financial	ADJ
fsr-3421	69	20	advisors	advisor	NOUN
fsr-3421	69	21	.	.	PUNCT
fsr-3421	70	1	whilst	whilst	SCONJ
fsr-3421	70	2	in	in	ADP
fsr-3421	70	3	switzerland	switzerland	PROPN
fsr-3421	70	4	,	,	PUNCT
fsr-3421	70	5	hoechle	hoechle	NOUN
fsr-3421	70	6	et	et	PROPN
fsr-3421	70	7	al	al	PROPN
fsr-3421	70	8	.	.	PROPN
fsr-3421	71	1	(	(	PUNCT
fsr-3421	71	2	2018	2018	NUM
fsr-3421	71	3	)	)	PUNCT
fsr-3421	71	4	find	find	VERB
fsr-3421	71	5	that	that	PRON
fsr-3421	71	6	advised	advise	VERB
fsr-3421	71	7	clients	client	NOUN
fsr-3421	71	8	incur	incur	VERB
fsr-3421	71	9	worse	bad	ADJ
fsr-3421	71	10	returns	return	NOUN
fsr-3421	71	11	than	than	ADP
fsr-3421	71	12	independent	independent	ADJ
fsr-3421	71	13	clients	client	NOUN
fsr-3421	71	14	and	and	CCONJ
fsr-3421	71	15	that	that	SCONJ
fsr-3421	71	16	advised	advise	VERB
fsr-3421	71	17	transactions	transaction	NOUN
fsr-3421	71	18	focus	focus	VERB
fsr-3421	71	19	on	on	ADP
fsr-3421	71	20	mutual	mutual	ADJ
fsr-3421	71	21	funds	fund	NOUN
fsr-3421	71	22	which	which	PRON
fsr-3421	71	23	are	be	AUX
fsr-3421	71	24	more	more	ADV
fsr-3421	71	25	profitable	profitable	ADJ
fsr-3421	71	26	for	for	ADP
fsr-3421	71	27	the	the	DET
fsr-3421	71	28	advisor	advisor	NOUN
fsr-3421	71	29	’s	’s	PART
fsr-3421	71	30	employer	employer	NOUN
fsr-3421	71	31	.	.	PUNCT
fsr-3421	72	1	these	these	DET
fsr-3421	72	2	findings	finding	NOUN
fsr-3421	72	3	can	can	AUX
fsr-3421	72	4	be	be	AUX
fsr-3421	72	5	compared	compare	VERB
fsr-3421	72	6	with	with	ADP
fsr-3421	72	7	other	other	ADJ
fsr-3421	72	8	jurisidictions	jurisidiction	NOUN
fsr-3421	72	9	,	,	PUNCT
fsr-3421	72	10	where	where	SCONJ
fsr-3421	72	11	research	research	NOUN
fsr-3421	72	12	advocates	advocate	VERB
fsr-3421	72	13	the	the	DET
fsr-3421	72	14	benefits	benefit	NOUN
fsr-3421	72	15	of	of	ADP
fsr-3421	72	16	financial	financial	ADJ
fsr-3421	72	17	advice	advice	NOUN
fsr-3421	72	18	in	in	ADP
fsr-3421	72	19	creating	create	VERB
fsr-3421	72	20	less	less	ADJ
fsr-3421	72	21	bias	bias	NOUN
fsr-3421	72	22	,	,	PUNCT
fsr-3421	72	23	improved	improved	ADJ
fsr-3421	72	24	returns	return	NOUN
fsr-3421	72	25	and	and	CCONJ
fsr-3421	72	26	more	more	ADV
fsr-3421	72	27	diversified	diversified	ADJ
fsr-3421	72	28	portfolios	portfolio	NOUN
fsr-3421	72	29	(	(	PUNCT
fsr-3421	72	30	kramer	kramer	PROPN
fsr-3421	72	31	,	,	PUNCT
fsr-3421	72	32	2012	2012	NUM
fsr-3421	72	33	;	;	PUNCT
fsr-3421	72	34	shapira	shapira	PROPN
fsr-3421	72	35	&	&	CCONJ
fsr-3421	72	36	venezia	venezia	PROPN
fsr-3421	72	37	,	,	PUNCT
fsr-3421	72	38	2001	2001	NUM
fsr-3421	72	39	;	;	PUNCT
fsr-3421	72	40	von	von	PROPN
fsr-3421	72	41	gaudecker	gaudecker	PROPN
fsr-3421	72	42	,	,	PUNCT
fsr-3421	72	43	2015	2015	NUM
fsr-3421	72	44	)	)	PUNCT
fsr-3421	72	45	.	.	PUNCT
fsr-3421	73	1	further	further	PROPN
fsr-3421	73	2	international	international	ADJ
fsr-3421	73	3	research	research	NOUN
fsr-3421	73	4	reveals	reveal	VERB
fsr-3421	73	5	that	that	SCONJ
fsr-3421	73	6	organizational	organizational	ADJ
fsr-3421	73	7	structure	structure	NOUN
fsr-3421	73	8	(	(	PUNCT
fsr-3421	73	9	within	within	ADP
fsr-3421	73	10	a	a	DET
fsr-3421	73	11	firm	firm	NOUN
fsr-3421	73	12	)	)	PUNCT
fsr-3421	73	13	and	and	CCONJ
fsr-3421	73	14	the	the	DET
fsr-3421	73	15	local	local	ADJ
fsr-3421	73	16	regulatory	regulatory	ADJ
fsr-3421	73	17	environment	environment	NOUN
fsr-3421	73	18	are	be	AUX
fsr-3421	73	19	important	important	ADJ
fsr-3421	73	20	in	in	ADP
fsr-3421	73	21	considering	consider	VERB
fsr-3421	73	22	the	the	DET
fsr-3421	73	23	effectiveness	effectiveness	NOUN
fsr-3421	73	24	of	of	ADP
fsr-3421	73	25	financial	financial	ADJ
fsr-3421	73	26	advice	advice	NOUN
fsr-3421	73	27	.	.	PUNCT
fsr-3421	74	1	within	within	ADP
fsr-3421	74	2	the	the	DET
fsr-3421	74	3	u.s	u.s	PROPN
fsr-3421	74	4	.	.	PROPN
fsr-3421	74	5	setting	setting	NOUN
fsr-3421	74	6	,	,	PUNCT
fsr-3421	74	7	bigel	bigel	NOUN
fsr-3421	74	8	(	(	PUNCT
fsr-3421	74	9	2000	2000	NUM
fsr-3421	74	10	)	)	PUNCT
fsr-3421	74	11	finds	find	VERB
fsr-3421	74	12	that	that	SCONJ
fsr-3421	74	13	a	a	DET
fsr-3421	74	14	longer	long	ADJ
fsr-3421	74	15	tenure	tenure	NOUN
fsr-3421	74	16	as	as	ADP
fsr-3421	74	17	a	a	DET
fsr-3421	74	18	financial	financial	ADJ
fsr-3421	74	19	planner	planner	NOUN
fsr-3421	74	20	is	be	AUX
fsr-3421	74	21	positively	positively	ADV
fsr-3421	74	22	related	relate	VERB
fsr-3421	74	23	to	to	ADP
fsr-3421	74	24	a	a	DET
fsr-3421	74	25	decrease	decrease	NOUN
fsr-3421	74	26	in	in	ADP
fsr-3421	74	27	ethical	ethical	ADJ
fsr-3421	74	28	reasoning	reasoning	NOUN
fsr-3421	74	29	ability	ability	NOUN
fsr-3421	74	30	,	,	PUNCT
fsr-3421	74	31	yet	yet	CCONJ
fsr-3421	74	32	individual	individual	ADJ
fsr-3421	74	33	incentives	incentive	NOUN
fsr-3421	74	34	(	(	PUNCT
fsr-3421	74	35	compensation	compensation	NOUN
fsr-3421	74	36	via	via	ADP
fsr-3421	74	37	commission	commission	PROPN
fsr-3421	74	38	v.	v.	ADP
fsr-3421	74	39	fee	fee	NOUN
fsr-3421	74	40	for	for	ADP
fsr-3421	74	41	service	service	NOUN
fsr-3421	74	42	)	)	PUNCT
fsr-3421	74	43	are	be	AUX
fsr-3421	74	44	not	not	PART
fsr-3421	74	45	.	.	PUNCT
fsr-3421	75	1	mazzoli	mazzoli	NOUN
fsr-3421	75	2	and	and	CCONJ
fsr-3421	75	3	nicolini	nicolini	PROPN
fsr-3421	75	4	(	(	PUNCT
fsr-3421	75	5	2010	2010	NUM
fsr-3421	75	6	)	)	PUNCT
fsr-3421	75	7	compare	compare	VERB
fsr-3421	75	8	different	different	ADJ
fsr-3421	75	9	compensation	compensation	NOUN
fsr-3421	75	10	structures	structure	NOUN
fsr-3421	75	11	across	across	ADP
fsr-3421	75	12	the	the	DET
fsr-3421	75	13	financial	financial	ADJ
fsr-3421	75	14	advice	advice	NOUN
fsr-3421	75	15	industries	industry	NOUN
fsr-3421	75	16	in	in	ADP
fsr-3421	75	17	italy	italy	PROPN
fsr-3421	75	18	and	and	CCONJ
fsr-3421	75	19	the	the	DET
fsr-3421	75	20	united	united	PROPN
fsr-3421	75	21	states	states	PROPN
fsr-3421	75	22	.	.	PUNCT
fsr-3421	76	1	they	they	PRON
fsr-3421	76	2	find	find	VERB
fsr-3421	76	3	that	that	SCONJ
fsr-3421	76	4	more	more	ADJ
fsr-3421	76	5	opaque	opaque	ADJ
fsr-3421	76	6	pricing	pricing	NOUN
fsr-3421	76	7	strategies	strategy	NOUN
fsr-3421	76	8	occur	occur	VERB
fsr-3421	76	9	when	when	SCONJ
fsr-3421	76	10	financial	financial	ADJ
fsr-3421	76	11	advisors	advisor	NOUN
fsr-3421	76	12	are	be	AUX
fsr-3421	76	13	tied	tie	VERB
fsr-3421	76	14	to	to	ADP
fsr-3421	76	15	financial	financial	ADJ
fsr-3421	76	16	institutions	institution	NOUN
fsr-3421	76	17	and	and	CCONJ
fsr-3421	76	18	product	product	NOUN
fsr-3421	76	19	providers	provider	NOUN
fsr-3421	76	20	.	.	PUNCT
fsr-3421	77	1	independent	independent	ADJ
fsr-3421	77	2	financial	financial	ADJ
fsr-3421	77	3	advisors	advisor	NOUN
fsr-3421	77	4	are	be	AUX
fsr-3421	77	5	more	more	ADV
fsr-3421	77	6	likely	likely	ADJ
fsr-3421	77	7	to	to	PART
fsr-3421	77	8	have	have	VERB
fsr-3421	77	9	transparent	transparent	ADJ
fsr-3421	77	10	fee	fee	NOUN
fsr-3421	77	11	structures	structure	NOUN
fsr-3421	77	12	and	and	CCONJ
fsr-3421	77	13	adopt	adopt	VERB
fsr-3421	77	14	a	a	DET
fsr-3421	77	15	fee	fee	NOUN
fsr-3421	77	16	for	for	ADP
fsr-3421	77	17	service	service	NOUN
fsr-3421	77	18	style	style	NOUN
fsr-3421	77	19	of	of	ADP
fsr-3421	77	20	compensation	compensation	NOUN
fsr-3421	77	21	.	.	PUNCT
fsr-3421	78	1	an	an	DET
fsr-3421	78	2	argument	argument	NOUN
fsr-3421	78	3	presented	present	VERB
fsr-3421	78	4	to	to	PART
fsr-3421	78	5	explain	explain	VERB
fsr-3421	78	6	why	why	SCONJ
fsr-3421	78	7	a	a	DET
fsr-3421	78	8	client	client	NOUN
fsr-3421	78	9	’s	’s	PART
fsr-3421	78	10	best	good	ADJ
fsr-3421	78	11	interest	interest	NOUN
fsr-3421	78	12	is	be	AUX
fsr-3421	78	13	not	not	PART
fsr-3421	78	14	being	be	AUX
fsr-3421	78	15	met	meet	VERB
fsr-3421	78	16	is	be	AUX
fsr-3421	78	17	that	that	SCONJ
fsr-3421	78	18	material	material	NOUN
fsr-3421	78	19	benefits	benefit	NOUN
fsr-3421	78	20	(	(	PUNCT
fsr-3421	78	21	commissions	commission	NOUN
fsr-3421	78	22	)	)	PUNCT
fsr-3421	78	23	provided	provide	VERB
fsr-3421	78	24	to	to	ADP
fsr-3421	78	25	financial	financial	ADJ
fsr-3421	78	26	advisors	advisor	NOUN
fsr-3421	78	27	negate	negate	VERB
fsr-3421	78	28	this	this	DET
fsr-3421	78	29	obligation	obligation	NOUN
fsr-3421	78	30	.	.	PUNCT
fsr-3421	79	1	for	for	ADP
fsr-3421	79	2	example	example	NOUN
fsr-3421	79	3	,	,	PUNCT
fsr-3421	79	4	inderst	inderst	ADJ
fsr-3421	79	5	and	and	CCONJ
fsr-3421	79	6	ottaviani	ottaviani	PROPN
fsr-3421	79	7	(	(	PUNCT
fsr-3421	79	8	2009	2009	NUM
fsr-3421	79	9	,	,	PUNCT
fsr-3421	79	10	2012a	2012a	NUM
fsr-3421	79	11	)	)	PUNCT
fsr-3421	79	12	use	use	VERB
fsr-3421	79	13	economic	economic	ADJ
fsr-3421	79	14	models	model	NOUN
fsr-3421	79	15	of	of	ADP
fsr-3421	79	16	financial	financial	ADJ
fsr-3421	79	17	advice	advice	NOUN
fsr-3421	79	18	to	to	PART
fsr-3421	79	19	show	show	VERB
fsr-3421	79	20	the	the	DET
fsr-3421	79	21	inherent	inherent	ADJ
fsr-3421	79	22	conflicts	conflict	NOUN
fsr-3421	79	23	of	of	ADP
fsr-3421	79	24	interest	interest	NOUN
fsr-3421	79	25	when	when	SCONJ
fsr-3421	79	26	incentives	incentive	NOUN
fsr-3421	79	27	from	from	ADP
fsr-3421	79	28	product	product	NOUN
fsr-3421	79	29	providers	provider	NOUN
fsr-3421	79	30	are	be	AUX
fsr-3421	79	31	high	high	ADJ
fsr-3421	79	32	.	.	PUNCT
fsr-3421	80	1	similarly	similarly	ADV
fsr-3421	80	2	,	,	PUNCT
fsr-3421	80	3	136	136	NUM
fsr-3421	80	4	d.	d.	PROPN
fsr-3421	80	5	w.	w.	PROPN
fsr-3421	80	6	richards	richards	PROPN
fsr-3421	80	7	,	,	PUNCT
fsr-3421	80	8	e.	e.	PROPN
fsr-3421	80	9	f.	f.	PROPN
fsr-3421	80	10	morton	morton	PROPN
fsr-3421	80	11	/	/	SYM
fsr-3421	80	12	financial	financial	ADJ
fsr-3421	80	13	services	service	NOUN
fsr-3421	80	14	review	review	VERB
fsr-3421	80	15	28	28	NUM
fsr-3421	80	16	(	(	PUNCT
fsr-3421	80	17	2020	2020	NUM
fsr-3421	80	18	)	)	PUNCT
fsr-3421	80	19	133–158	133–158	NUM
fsr-3421	80	20	angelova	angelova	NOUN
fsr-3421	80	21	and	and	CCONJ
fsr-3421	80	22	regner	regner	NOUN
fsr-3421	80	23	(	(	PUNCT
fsr-3421	80	24	2013	2013	NUM
fsr-3421	80	25	)	)	PUNCT
fsr-3421	80	26	show	show	VERB
fsr-3421	80	27	that	that	SCONJ
fsr-3421	80	28	truth	truth	NOUN
fsr-3421	80	29	telling	tell	VERB
fsr-3421	80	30	decreases	decrease	NOUN
fsr-3421	80	31	in	in	ADP
fsr-3421	80	32	the	the	DET
fsr-3421	80	33	presence	presence	NOUN
fsr-3421	80	34	of	of	ADP
fsr-3421	80	35	commissions	commission	NOUN
fsr-3421	80	36	.	.	PUNCT
fsr-3421	81	1	however	however	ADV
fsr-3421	81	2	,	,	PUNCT
fsr-3421	81	3	material	material	NOUN
fsr-3421	81	4	benefits	benefit	NOUN
fsr-3421	81	5	encapsulate	encapsulate	VERB
fsr-3421	81	6	some	some	PRON
fsr-3421	81	7	,	,	PUNCT
fsr-3421	81	8	but	but	CCONJ
fsr-3421	81	9	not	not	PART
fsr-3421	81	10	all	all	PRON
fsr-3421	81	11	,	,	PUNCT
fsr-3421	81	12	of	of	ADP
fsr-3421	81	13	the	the	DET
fsr-3421	81	14	contextual	contextual	ADJ
fsr-3421	81	15	issues	issue	NOUN
fsr-3421	81	16	which	which	PRON
fsr-3421	81	17	impede	impede	VERB
fsr-3421	81	18	financial	financial	ADJ
fsr-3421	81	19	advice	advice	NOUN
fsr-3421	81	20	from	from	ADP
fsr-3421	81	21	achieving	achieve	VERB
fsr-3421	81	22	client	client	NOUN
fsr-3421	81	23	’s	’s	PART
fsr-3421	81	24	best	good	ADJ
fsr-3421	81	25	interest	interest	NOUN
fsr-3421	81	26	practice	practice	NOUN
fsr-3421	81	27	.	.	PUNCT
fsr-3421	82	1	šindelá	šindelá	PROPN
fsr-3421	82	2	�	�	PROPN
fsr-3421	82	3	r	r	NOUN
fsr-3421	82	4	and	and	CCONJ
fsr-3421	82	5	budinský	budinský	ADJ
fsr-3421	82	6	(	(	PUNCT
fsr-3421	82	7	2017	2017	NUM
fsr-3421	82	8	)	)	PUNCT
fsr-3421	82	9	find	find	VERB
fsr-3421	82	10	that	that	SCONJ
fsr-3421	82	11	commissions	commission	NOUN
fsr-3421	82	12	do	do	AUX
fsr-3421	82	13	not	not	PART
fsr-3421	82	14	apply	apply	VERB
fsr-3421	82	15	homogenously	homogenously	ADV
fsr-3421	82	16	in	in	ADP
fsr-3421	82	17	the	the	DET
fsr-3421	82	18	czech	czech	PROPN
fsr-3421	82	19	republic	republic	NOUN
fsr-3421	82	20	.	.	PUNCT
fsr-3421	83	1	in	in	ADP
fsr-3421	83	2	particular	particular	ADJ
fsr-3421	83	3	,	,	PUNCT
fsr-3421	83	4	they	they	PRON
fsr-3421	83	5	note	note	VERB
fsr-3421	83	6	that	that	SCONJ
fsr-3421	83	7	organizational	organizational	ADJ
fsr-3421	83	8	structures	structure	NOUN
fsr-3421	83	9	need	need	VERB
fsr-3421	83	10	to	to	PART
fsr-3421	83	11	be	be	AUX
fsr-3421	83	12	considered	consider	VERB
fsr-3421	83	13	as	as	SCONJ
fsr-3421	83	14	the	the	DET
fsr-3421	83	15	relationship	relationship	NOUN
fsr-3421	83	16	between	between	ADP
fsr-3421	83	17	commissions	commission	NOUN
fsr-3421	83	18	and	and	CCONJ
fsr-3421	83	19	quality	quality	NOUN
fsr-3421	83	20	of	of	ADP
fsr-3421	83	21	financial	financial	ADJ
fsr-3421	83	22	advice	advice	NOUN
fsr-3421	83	23	only	only	ADV
fsr-3421	83	24	hold	hold	VERB
fsr-3421	83	25	in	in	ADP
fsr-3421	83	26	flat	flat	ADJ
fsr-3421	83	27	-	-	PUNCT
fsr-3421	83	28	business	business	NOUN
fsr-3421	83	29	structure	structure	NOUN
fsr-3421	83	30	models	model	NOUN
fsr-3421	83	31	(	(	PUNCT
fsr-3421	83	32	šindelá	šindelá	NOUN
fsr-3421	83	33	�	�	NOUN
fsr-3421	83	34	r	r	NOUN
fsr-3421	83	35	&	&	CCONJ
fsr-3421	83	36	budinský	budinský	ADJ
fsr-3421	83	37	,	,	PUNCT
fsr-3421	83	38	2017	2017	NUM
fsr-3421	83	39	)	)	PUNCT
fsr-3421	83	40	.	.	PUNCT
fsr-3421	84	1	international	international	PROPN
fsr-3421	84	2	literature	literature	PROPN
fsr-3421	84	3	also	also	ADV
fsr-3421	84	4	suggests	suggest	VERB
fsr-3421	84	5	disclosure	disclosure	NOUN
fsr-3421	84	6	is	be	AUX
fsr-3421	84	7	not	not	PART
fsr-3421	84	8	an	an	DET
fsr-3421	84	9	effective	effective	ADJ
fsr-3421	84	10	method	method	NOUN
fsr-3421	84	11	for	for	ADP
fsr-3421	84	12	negating	negating	NOUN
fsr-3421	84	13	conflicts	conflict	NOUN
fsr-3421	84	14	of	of	ADP
fsr-3421	84	15	interest	interest	NOUN
fsr-3421	84	16	in	in	ADP
fsr-3421	84	17	financial	financial	ADJ
fsr-3421	84	18	advice	advice	NOUN
fsr-3421	84	19	(	(	PUNCT
fsr-3421	84	20	chater	chater	NOUN
fsr-3421	84	21	,	,	PUNCT
fsr-3421	84	22	huck	huck	PROPN
fsr-3421	84	23	,	,	PUNCT
fsr-3421	84	24	&	&	CCONJ
fsr-3421	84	25	inderst	inderst	PROPN
fsr-3421	84	26	,	,	PUNCT
fsr-3421	84	27	2010	2010	NUM
fsr-3421	84	28	;	;	PUNCT
fsr-3421	84	29	rubin	rubin	PROPN
fsr-3421	84	30	,	,	PUNCT
fsr-3421	84	31	2015	2015	NUM
fsr-3421	84	32	)	)	PUNCT
fsr-3421	84	33	,	,	PUNCT
fsr-3421	84	34	because	because	SCONJ
fsr-3421	84	35	trust	trust	NOUN
fsr-3421	84	36	binds	bind	VERB
fsr-3421	84	37	clients	client	NOUN
fsr-3421	84	38	to	to	ADP
fsr-3421	84	39	their	their	PRON
fsr-3421	84	40	financial	financial	ADJ
fsr-3421	84	41	advisors	advisor	NOUN
fsr-3421	84	42	(	(	PUNCT
fsr-3421	84	43	gennaioli	gennaioli	ADV
fsr-3421	84	44	,	,	PUNCT
fsr-3421	84	45	shleifer	shleifer	NOUN
fsr-3421	84	46	,	,	PUNCT
fsr-3421	84	47	&	&	CCONJ
fsr-3421	84	48	vishny	vishny	PROPN
fsr-3421	84	49	,	,	PUNCT
fsr-3421	84	50	2015	2015	NUM
fsr-3421	84	51	)	)	PUNCT
fsr-3421	84	52	.	.	PUNCT
fsr-3421	85	1	that	that	PRON
fsr-3421	85	2	is	be	AUX
fsr-3421	85	3	,	,	PUNCT
fsr-3421	85	4	the	the	DET
fsr-3421	85	5	trust	trust	NOUN
fsr-3421	85	6	that	that	SCONJ
fsr-3421	85	7	a	a	DET
fsr-3421	85	8	client	client	NOUN
fsr-3421	85	9	has	have	AUX
fsr-3421	85	10	in	in	ADP
fsr-3421	85	11	their	their	PRON
fsr-3421	85	12	advisors	advisor	NOUN
fsr-3421	85	13	will	will	AUX
fsr-3421	85	14	allow	allow	VERB
fsr-3421	85	15	clients	client	NOUN
fsr-3421	85	16	to	to	PART
fsr-3421	85	17	use	use	VERB
fsr-3421	85	18	financial	financial	ADJ
fsr-3421	85	19	advice	advice	NOUN
fsr-3421	85	20	when	when	SCONJ
fsr-3421	85	21	conflicts	conflict	NOUN
fsr-3421	85	22	of	of	ADP
fsr-3421	85	23	interest	interest	NOUN
fsr-3421	85	24	are	be	AUX
fsr-3421	85	25	disclosed	disclose	VERB
fsr-3421	85	26	.	.	PUNCT
fsr-3421	86	1	this	this	PRON
fsr-3421	86	2	is	be	AUX
fsr-3421	86	3	consistent	consistent	ADJ
fsr-3421	86	4	with	with	ADP
fsr-3421	86	5	empirical	empirical	ADJ
fsr-3421	86	6	research	research	NOUN
fsr-3421	86	7	in	in	ADP
fsr-3421	86	8	italy	italy	PROPN
fsr-3421	86	9	,	,	PUNCT
fsr-3421	86	10	which	which	PRON
fsr-3421	86	11	shows	show	VERB
fsr-3421	86	12	there	there	PRON
fsr-3421	86	13	is	be	VERB
fsr-3421	86	14	a	a	DET
fsr-3421	86	15	high	high	ADJ
fsr-3421	86	16	level	level	NOUN
fsr-3421	86	17	of	of	ADP
fsr-3421	86	18	trust	trust	NOUN
fsr-3421	86	19	reported	report	VERB
fsr-3421	86	20	by	by	ADP
fsr-3421	86	21	clients	client	NOUN
fsr-3421	86	22	of	of	ADP
fsr-3421	86	23	advisors	advisor	NOUN
fsr-3421	86	24	and	and	CCONJ
fsr-3421	86	25	if	if	SCONJ
fsr-3421	86	26	a	a	DET
fsr-3421	86	27	client	client	NOUN
fsr-3421	86	28	’s	’s	PART
fsr-3421	86	29	trust	trust	NOUN
fsr-3421	86	30	is	be	AUX
fsr-3421	86	31	higher	high	ADJ
fsr-3421	86	32	,	,	PUNCT
fsr-3421	86	33	they	they	PRON
fsr-3421	86	34	are	be	AUX
fsr-3421	86	35	more	more	ADV
fsr-3421	86	36	inclined	inclined	ADJ
fsr-3421	86	37	to	to	PART
fsr-3421	86	38	delegate	delegate	VERB
fsr-3421	86	39	decisions	decision	NOUN
fsr-3421	86	40	to	to	ADP
fsr-3421	86	41	financial	financial	ADJ
fsr-3421	86	42	advisors	advisor	NOUN
fsr-3421	86	43	(	(	PUNCT
fsr-3421	86	44	calcagno	calcagno	NOUN
fsr-3421	86	45	et	et	PROPN
fsr-3421	86	46	al	al	PROPN
fsr-3421	86	47	.	.	PROPN
fsr-3421	86	48	,	,	PUNCT
fsr-3421	86	49	2017	2017	NUM
fsr-3421	86	50	)	)	PUNCT
fsr-3421	86	51	.	.	PUNCT
fsr-3421	87	1	calcagno	calcagno	NOUN
fsr-3421	87	2	et	et	PROPN
fsr-3421	87	3	al	al	PROPN
fsr-3421	87	4	.	.	PROPN
fsr-3421	88	1	(	(	PUNCT
fsr-3421	88	2	2017	2017	NUM
fsr-3421	88	3	)	)	PUNCT
fsr-3421	88	4	find	find	VERB
fsr-3421	88	5	that	that	SCONJ
fsr-3421	88	6	74	74	NUM
fsr-3421	88	7	%	%	NOUN
fsr-3421	88	8	of	of	ADP
fsr-3421	88	9	clients	client	NOUN
fsr-3421	88	10	that	that	PRON
fsr-3421	88	11	hold	hold	VERB
fsr-3421	88	12	risky	risky	ADJ
fsr-3421	88	13	assets	asset	NOUN
fsr-3421	88	14	do	do	AUX
fsr-3421	88	15	not	not	PART
fsr-3421	88	16	attempt	attempt	VERB
fsr-3421	88	17	to	to	PART
fsr-3421	88	18	influence	influence	VERB
fsr-3421	88	19	their	their	PRON
fsr-3421	88	20	financial	financial	ADJ
fsr-3421	88	21	advisors	advisor	NOUN
fsr-3421	88	22	.	.	PUNCT
fsr-3421	89	1	out	out	ADP
fsr-3421	89	2	of	of	ADP
fsr-3421	89	3	the	the	DET
fsr-3421	89	4	26	26	NUM
fsr-3421	89	5	%	%	NOUN
fsr-3421	89	6	investors	investor	NOUN
fsr-3421	89	7	that	that	PRON
fsr-3421	89	8	do	do	VERB
fsr-3421	89	9	influence	influence	NOUN
fsr-3421	89	10	decisions	decision	NOUN
fsr-3421	89	11	,	,	PUNCT
fsr-3421	89	12	they	they	PRON
fsr-3421	89	13	do	do	VERB
fsr-3421	89	14	so	so	ADV
fsr-3421	89	15	by	by	ADP
fsr-3421	89	16	monitoring	monitor	VERB
fsr-3421	89	17	(	(	PUNCT
fsr-3421	89	18	19	19	NUM
fsr-3421	89	19	%	%	NOUN
fsr-3421	89	20	)	)	PUNCT
fsr-3421	89	21	,	,	PUNCT
fsr-3421	89	22	obtaining	obtain	VERB
fsr-3421	89	23	second	second	ADJ
fsr-3421	89	24	opinions	opinion	NOUN
fsr-3421	89	25	(	(	PUNCT
fsr-3421	89	26	3.4	3.4	NUM
fsr-3421	89	27	%	%	NOUN
fsr-3421	89	28	)	)	PUNCT
fsr-3421	89	29	,	,	PUNCT
fsr-3421	89	30	or	or	CCONJ
fsr-3421	89	31	both	both	DET
fsr-3421	89	32	(	(	PUNCT
fsr-3421	89	33	3.3	3.3	NUM
fsr-3421	89	34	%	%	NOUN
fsr-3421	89	35	)	)	PUNCT
fsr-3421	89	36	.	.	PUNCT
fsr-3421	90	1	these	these	DET
fsr-3421	90	2	results	result	NOUN
fsr-3421	90	3	indicate	indicate	VERB
fsr-3421	90	4	that	that	SCONJ
fsr-3421	90	5	most	most	ADJ
fsr-3421	90	6	clients	client	NOUN
fsr-3421	90	7	trust	trust	VERB
fsr-3421	90	8	their	their	PRON
fsr-3421	90	9	advisor	advisor	NOUN
fsr-3421	90	10	’s	’s	PART
fsr-3421	90	11	financial	financial	ADJ
fsr-3421	90	12	advice	advice	NOUN
fsr-3421	90	13	and	and	CCONJ
fsr-3421	90	14	that	that	SCONJ
fsr-3421	90	15	they	they	PRON
fsr-3421	90	16	will	will	AUX
fsr-3421	90	17	not	not	PART
fsr-3421	90	18	enforce	enforce	VERB
fsr-3421	90	19	a	a	DET
fsr-3421	90	20	strict	strict	ADJ
fsr-3421	90	21	client	client	NOUN
fsr-3421	90	22	’s	’s	PART
fsr-3421	90	23	best	good	ADJ
fsr-3421	90	24	interest	interest	NOUN
fsr-3421	90	25	practice	practice	NOUN
fsr-3421	90	26	on	on	ADP
fsr-3421	90	27	financial	financial	ADJ
fsr-3421	90	28	advisors	advisor	NOUN
fsr-3421	90	29	.	.	PUNCT
fsr-3421	91	1	within	within	ADP
fsr-3421	91	2	this	this	DET
fsr-3421	91	3	international	international	ADJ
fsr-3421	91	4	setting	setting	NOUN
fsr-3421	91	5	,	,	PUNCT
fsr-3421	91	6	there	there	PRON
fsr-3421	91	7	is	be	VERB
fsr-3421	91	8	a	a	DET
fsr-3421	91	9	variety	variety	NOUN
fsr-3421	91	10	of	of	ADP
fsr-3421	91	11	regulatory	regulatory	ADJ
fsr-3421	91	12	frameworks	framework	NOUN
fsr-3421	91	13	and	and	CCONJ
fsr-3421	91	14	contrasting	contrast	VERB
fsr-3421	91	15	contextual	contextual	ADJ
fsr-3421	91	16	factors	factor	NOUN
fsr-3421	91	17	.	.	PUNCT
fsr-3421	92	1	therefore	therefore	ADV
fsr-3421	92	2	,	,	PUNCT
fsr-3421	92	3	this	this	PRON
fsr-3421	92	4	limits	limit	VERB
fsr-3421	92	5	the	the	DET
fsr-3421	92	6	potential	potential	ADJ
fsr-3421	92	7	generalizability	generalizability	NOUN
fsr-3421	92	8	to	to	ADP
fsr-3421	92	9	the	the	DET
fsr-3421	92	10	australian	australian	ADJ
fsr-3421	92	11	context	context	NOUN
fsr-3421	92	12	.	.	PUNCT
fsr-3421	93	1	moreover	moreover	ADV
fsr-3421	93	2	,	,	PUNCT
fsr-3421	93	3	within	within	ADP
fsr-3421	93	4	the	the	DET
fsr-3421	93	5	australian	australian	ADJ
fsr-3421	93	6	context	context	NOUN
fsr-3421	93	7	there	there	PRON
fsr-3421	93	8	is	be	VERB
fsr-3421	93	9	minimal	minimal	ADJ
fsr-3421	93	10	empirical	empirical	ADJ
fsr-3421	93	11	research	research	NOUN
fsr-3421	93	12	considering	consider	VERB
fsr-3421	93	13	the	the	DET
fsr-3421	93	14	ethical	ethical	ADJ
fsr-3421	93	15	behavior	behavior	NOUN
fsr-3421	93	16	of	of	ADP
fsr-3421	93	17	financial	financial	ADJ
fsr-3421	93	18	advisors	advisor	NOUN
fsr-3421	93	19	(	(	PUNCT
fsr-3421	93	20	cull	cull	PROPN
fsr-3421	93	21	&	&	CCONJ
fsr-3421	93	22	bowyer	bowyer	PROPN
fsr-3421	93	23	,	,	PUNCT
fsr-3421	93	24	2017	2017	NUM
fsr-3421	93	25	)	)	PUNCT
fsr-3421	93	26	.	.	PUNCT
fsr-3421	94	1	2.3	2.3	NUM
fsr-3421	94	2	.	.	PUNCT
fsr-3421	95	1	the	the	DET
fsr-3421	95	2	australian	australian	ADJ
fsr-3421	95	3	financial	financial	ADJ
fsr-3421	95	4	advice	advice	NOUN
fsr-3421	95	5	industry	industry	NOUN
fsr-3421	95	6	the	the	DET
fsr-3421	95	7	australian	australian	ADJ
fsr-3421	95	8	financial	financial	ADJ
fsr-3421	95	9	advice	advice	NOUN
fsr-3421	95	10	industry	industry	NOUN
fsr-3421	95	11	has	have	AUX
fsr-3421	95	12	experienced	experience	VERB
fsr-3421	95	13	rapid	rapid	ADJ
fsr-3421	95	14	growth	growth	NOUN
fsr-3421	95	15	since	since	SCONJ
fsr-3421	95	16	2002	2002	NUM
fsr-3421	95	17	,	,	PUNCT
fsr-3421	95	18	driven	drive	VERB
fsr-3421	95	19	by	by	ADP
fsr-3421	95	20	social	social	ADJ
fsr-3421	95	21	,	,	PUNCT
fsr-3421	95	22	cultural	cultural	ADJ
fsr-3421	95	23	,	,	PUNCT
fsr-3421	95	24	institutional	institutional	ADJ
fsr-3421	95	25	,	,	PUNCT
fsr-3421	95	26	political	political	ADJ
fsr-3421	95	27	and	and	CCONJ
fsr-3421	95	28	economic	economic	ADJ
fsr-3421	95	29	factors	factor	NOUN
fsr-3421	95	30	(	(	PUNCT
fsr-3421	95	31	cull	cull	NOUN
fsr-3421	95	32	,	,	PUNCT
fsr-3421	95	33	2009	2009	NUM
fsr-3421	95	34	)	)	PUNCT
fsr-3421	95	35	.	.	PUNCT
fsr-3421	96	1	following	follow	VERB
fsr-3421	96	2	a	a	DET
fsr-3421	96	3	government	government	NOUN
fsr-3421	96	4	inquiry	inquiry	NOUN
fsr-3421	96	5	in	in	ADP
fsr-3421	96	6	1996	1996	NUM
fsr-3421	96	7	(	(	PUNCT
fsr-3421	96	8	called	call	VERB
fsr-3421	96	9	thewallis	thewallis	NUM
fsr-3421	96	10	inquiry	inquiry	NOUN
fsr-3421	96	11	)	)	PUNCT
fsr-3421	96	12	,	,	PUNCT
fsr-3421	96	13	australia	australia	PROPN
fsr-3421	96	14	adopted	adopt	VERB
fsr-3421	96	15	an	an	DET
fsr-3421	96	16	authorized	authorized	ADJ
fsr-3421	96	17	representative	representative	ADJ
fsr-3421	96	18	governance	governance	NOUN
fsr-3421	96	19	model	model	NOUN
fsr-3421	96	20	to	to	PART
fsr-3421	96	21	regulate	regulate	VERB
fsr-3421	96	22	this	this	DET
fsr-3421	96	23	growing	grow	VERB
fsr-3421	96	24	industry	industry	NOUN
fsr-3421	96	25	(	(	PUNCT
fsr-3421	96	26	mcinnes	mcinne	NOUN
fsr-3421	96	27	,	,	PUNCT
fsr-3421	96	28	2020	2020	NUM
fsr-3421	96	29	)	)	PUNCT
fsr-3421	96	30	.	.	PUNCT
fsr-3421	97	1	under	under	ADP
fsr-3421	97	2	this	this	DET
fsr-3421	97	3	model	model	NOUN
fsr-3421	97	4	,	,	PUNCT
fsr-3421	97	5	an	an	DET
fsr-3421	97	6	australian	australian	ADJ
fsr-3421	97	7	financial	financial	ADJ
fsr-3421	97	8	services	service	NOUN
fsr-3421	97	9	licensee	licensee	NOUN
fsr-3421	97	10	(	(	PUNCT
fsr-3421	97	11	henceforth	henceforth	ADV
fsr-3421	97	12	called	call	VERB
fsr-3421	97	13	a	a	DET
fsr-3421	97	14	‘	'	PUNCT
fsr-3421	97	15	licensee	licensee	NOUN
fsr-3421	97	16	’	'	PUNCT
fsr-3421	97	17	)	)	PUNCT
fsr-3421	97	18	can	can	AUX
fsr-3421	97	19	authorize	authorize	VERB
fsr-3421	97	20	a	a	DET
fsr-3421	97	21	financial	financial	ADJ
fsr-3421	97	22	advisor	advisor	NOUN
fsr-3421	97	23	to	to	PART
fsr-3421	97	24	give	give	VERB
fsr-3421	97	25	advice	advice	NOUN
fsr-3421	97	26	on	on	ADP
fsr-3421	97	27	their	their	PRON
fsr-3421	97	28	behalf	behalf	NOUN
fsr-3421	97	29	and	and	CCONJ
fsr-3421	97	30	also	also	ADV
fsr-3421	97	31	takes	take	VERB
fsr-3421	97	32	responsibility	responsibility	NOUN
fsr-3421	97	33	to	to	PART
fsr-3421	97	34	ensure	ensure	VERB
fsr-3421	97	35	that	that	SCONJ
fsr-3421	97	36	their	their	PRON
fsr-3421	97	37	financial	financial	ADJ
fsr-3421	97	38	advisors	advisor	NOUN
fsr-3421	97	39	comply	comply	VERB
fsr-3421	97	40	with	with	ADP
fsr-3421	97	41	relevant	relevant	ADJ
fsr-3421	97	42	legislation	legislation	NOUN
fsr-3421	97	43	.	.	PUNCT
fsr-3421	98	1	the	the	DET
fsr-3421	98	2	effectiveness	effectiveness	NOUN
fsr-3421	98	3	of	of	ADP
fsr-3421	98	4	this	this	DET
fsr-3421	98	5	model	model	NOUN
fsr-3421	98	6	is	be	AUX
fsr-3421	98	7	under	under	ADP
fsr-3421	98	8	question	question	NOUN
fsr-3421	98	9	as	as	ADP
fsr-3421	98	10	extreme	extreme	ADJ
fsr-3421	98	11	market	market	NOUN
fsr-3421	98	12	conditions	condition	NOUN
fsr-3421	98	13	,	,	PUNCT
fsr-3421	98	14	numerous	numerous	ADJ
fsr-3421	98	15	scandals	scandal	NOUN
fsr-3421	98	16	and	and	CCONJ
fsr-3421	98	17	conflicts	conflict	NOUN
fsr-3421	98	18	of	of	ADP
fsr-3421	98	19	interests	interest	NOUN
fsr-3421	98	20	have	have	AUX
fsr-3421	98	21	caused	cause	VERB
fsr-3421	98	22	havoc	havoc	NOUN
fsr-3421	98	23	in	in	ADP
fsr-3421	98	24	australia	australia	PROPN
fsr-3421	98	25	’s	’s	PART
fsr-3421	98	26	financial	financial	ADJ
fsr-3421	98	27	advice	advice	NOUN
fsr-3421	98	28	industry	industry	NOUN
fsr-3421	98	29	(	(	PUNCT
fsr-3421	98	30	north	north	NOUN
fsr-3421	98	31	,	,	PUNCT
fsr-3421	98	32	2015	2015	NUM
fsr-3421	98	33	)	)	PUNCT
fsr-3421	98	34	.	.	PUNCT
fsr-3421	99	1	mcinnes	mcinne	NOUN
fsr-3421	99	2	(	(	PUNCT
fsr-3421	99	3	2020	2020	NUM
fsr-3421	99	4	)	)	PUNCT
fsr-3421	99	5	researched	research	VERB
fsr-3421	99	6	the	the	DET
fsr-3421	99	7	legitimacy	legitimacy	NOUN
fsr-3421	99	8	of	of	ADP
fsr-3421	99	9	the	the	DET
fsr-3421	99	10	authorized	authorized	ADJ
fsr-3421	99	11	representative	representative	ADJ
fsr-3421	99	12	governance	governance	NOUN
fsr-3421	99	13	model	model	NOUN
fsr-3421	99	14	and	and	CCONJ
fsr-3421	99	15	highlights	highlight	NOUN
fsr-3421	99	16	that	that	SCONJ
fsr-3421	99	17	problems	problem	NOUN
fsr-3421	99	18	of	of	ADP
fsr-3421	99	19	independence	independence	NOUN
fsr-3421	99	20	of	of	ADP
fsr-3421	99	21	financial	financial	ADJ
fsr-3421	99	22	advisors	advisor	NOUN
fsr-3421	99	23	from	from	ADP
fsr-3421	99	24	product	product	NOUN
fsr-3421	99	25	providers	provider	NOUN
fsr-3421	99	26	have	have	AUX
fsr-3421	99	27	persisted	persist	VERB
fsr-3421	99	28	since	since	SCONJ
fsr-3421	99	29	2009	2009	NUM
fsr-3421	99	30	.	.	PUNCT
fsr-3421	100	1	mcinnes	mcinne	NOUN
fsr-3421	100	2	surveyed	survey	VERB
fsr-3421	100	3	financial	financial	ADJ
fsr-3421	100	4	advisors	advisor	NOUN
fsr-3421	100	5	in	in	ADP
fsr-3421	100	6	australia	australia	PROPN
fsr-3421	100	7	finding	find	VERB
fsr-3421	100	8	that	that	SCONJ
fsr-3421	100	9	financial	financial	ADJ
fsr-3421	100	10	advisors	advisor	NOUN
fsr-3421	100	11	did	do	AUX
fsr-3421	100	12	not	not	PART
fsr-3421	100	13	report	report	VERB
fsr-3421	100	14	having	have	VERB
fsr-3421	100	15	independence	independence	NOUN
fsr-3421	100	16	as	as	ADP
fsr-3421	100	17	an	an	DET
fsr-3421	100	18	authorized	authorized	ADJ
fsr-3421	100	19	representative	representative	NOUN
fsr-3421	100	20	.	.	PUNCT
fsr-3421	101	1	this	this	PRON
fsr-3421	101	2	is	be	AUX
fsr-3421	101	3	a	a	DET
fsr-3421	101	4	critical	critical	ADJ
fsr-3421	101	5	issue	issue	NOUN
fsr-3421	101	6	given	give	VERB
fsr-3421	101	7	the	the	DET
fsr-3421	101	8	importance	importance	NOUN
fsr-3421	101	9	of	of	ADP
fsr-3421	101	10	financial	financial	ADJ
fsr-3421	101	11	advisors	advisor	NOUN
fsr-3421	101	12	within	within	ADP
fsr-3421	101	13	the	the	DET
fsr-3421	101	14	australian	australian	ADJ
fsr-3421	101	15	context	context	NOUN
fsr-3421	101	16	.	.	PUNCT
fsr-3421	102	1	clients	client	NOUN
fsr-3421	102	2	often	often	ADV
fsr-3421	102	3	trust	trust	VERB
fsr-3421	102	4	financial	financial	ADJ
fsr-3421	102	5	advisors	advisor	NOUN
fsr-3421	102	6	to	to	PART
fsr-3421	102	7	navigate	navigate	VERB
fsr-3421	102	8	complexities	complexity	NOUN
fsr-3421	102	9	within	within	ADP
fsr-3421	102	10	the	the	DET
fsr-3421	102	11	financial	financial	ADJ
fsr-3421	102	12	environment	environment	NOUN
fsr-3421	102	13	,	,	PUNCT
fsr-3421	102	14	especially	especially	ADV
fsr-3421	102	15	when	when	SCONJ
fsr-3421	102	16	many	many	ADJ
fsr-3421	102	17	consumers	consumer	NOUN
fsr-3421	102	18	have	have	VERB
fsr-3421	102	19	low	low	ADJ
fsr-3421	102	20	levels	level	NOUN
fsr-3421	102	21	of	of	ADP
fsr-3421	102	22	financial	financial	ADJ
fsr-3421	102	23	literacy	literacy	NOUN
fsr-3421	102	24	(	(	PUNCT
fsr-3421	102	25	brimble	brimble	ADJ
fsr-3421	102	26	&	&	CCONJ
fsr-3421	102	27	murphy	murphy	PROPN
fsr-3421	102	28	,	,	PUNCT
fsr-3421	102	29	2012	2012	NUM
fsr-3421	102	30	)	)	PUNCT
fsr-3421	102	31	.	.	PUNCT
fsr-3421	103	1	hunt	hunt	NOUN
fsr-3421	103	2	,	,	PUNCT
fsr-3421	103	3	brimble	brimble	ADJ
fsr-3421	103	4	,	,	PUNCT
fsr-3421	103	5	and	and	CCONJ
fsr-3421	103	6	freudenberg	freudenberg	PROPN
fsr-3421	103	7	(	(	PUNCT
fsr-3421	103	8	2011	2011	NUM
fsr-3421	103	9	)	)	PUNCT
fsr-3421	103	10	find	find	VERB
fsr-3421	103	11	that	that	DET
fsr-3421	103	12	trust	trust	NOUN
fsr-3421	103	13	in	in	ADP
fsr-3421	103	14	the	the	DET
fsr-3421	103	15	relationship	relationship	NOUN
fsr-3421	103	16	between	between	ADP
fsr-3421	103	17	clients	client	NOUN
fsr-3421	103	18	and	and	CCONJ
fsr-3421	103	19	financial	financial	ADJ
fsr-3421	103	20	planners	planner	NOUN
fsr-3421	103	21	is	be	AUX
fsr-3421	103	22	critical	critical	ADJ
fsr-3421	103	23	for	for	ADP
fsr-3421	103	24	relationship	relationship	NOUN
fsr-3421	103	25	quality	quality	NOUN
fsr-3421	103	26	.	.	PUNCT
fsr-3421	104	1	a	a	DET
fsr-3421	104	2	lack	lack	NOUN
fsr-3421	104	3	of	of	ADP
fsr-3421	104	4	d.	d.	PROPN
fsr-3421	104	5	w.	w.	PROPN
fsr-3421	104	6	richards	richards	PROPN
fsr-3421	104	7	,	,	PUNCT
fsr-3421	104	8	e.	e.	PROPN
fsr-3421	104	9	f.	f.	PROPN
fsr-3421	104	10	morton	morton	PROPN
fsr-3421	104	11	/	/	SYM
fsr-3421	104	12	financial	financial	ADJ
fsr-3421	104	13	services	service	NOUN
fsr-3421	104	14	review	review	VERB
fsr-3421	104	15	28	28	NUM
fsr-3421	104	16	(	(	PUNCT
fsr-3421	104	17	2020	2020	NUM
fsr-3421	104	18	)	)	PUNCT
fsr-3421	105	1	133–158	133–158	NUM
fsr-3421	105	2	137	137	NUM
fsr-3421	105	3	independence	independence	NOUN
fsr-3421	105	4	can	can	AUX
fsr-3421	105	5	break	break	VERB
fsr-3421	105	6	this	this	DET
fsr-3421	105	7	trust	trust	NOUN
fsr-3421	105	8	and	and	CCONJ
fsr-3421	105	9	,	,	PUNCT
fsr-3421	105	10	unsurprisingly	unsurprisingly	ADV
fsr-3421	105	11	,	,	PUNCT
fsr-3421	105	12	australia	australia	PROPN
fsr-3421	105	13	has	have	AUX
fsr-3421	105	14	seen	see	VERB
fsr-3421	105	15	an	an	DET
fsr-3421	105	16	increase	increase	NOUN
fsr-3421	105	17	in	in	ADP
fsr-3421	105	18	regulation	regulation	NOUN
fsr-3421	105	19	and	and	CCONJ
fsr-3421	105	20	scrutiny	scrutiny	NOUN
fsr-3421	105	21	to	to	PART
fsr-3421	105	22	increase	increase	VERB
fsr-3421	105	23	trust	trust	NOUN
fsr-3421	105	24	in	in	ADP
fsr-3421	105	25	the	the	DET
fsr-3421	105	26	industry	industry	NOUN
fsr-3421	105	27	(	(	PUNCT
fsr-3421	105	28	cull	cull	NOUN
fsr-3421	105	29	&	&	CCONJ
fsr-3421	105	30	sloan	sloan	PROPN
fsr-3421	105	31	,	,	PUNCT
fsr-3421	105	32	2016	2016	NUM
fsr-3421	105	33	)	)	PUNCT
fsr-3421	105	34	.	.	PUNCT
fsr-3421	106	1	recently	recently	ADV
fsr-3421	106	2	,	,	PUNCT
fsr-3421	106	3	cull	cull	NOUN
fsr-3421	106	4	and	and	CCONJ
fsr-3421	106	5	bowyer	bowyer	PROPN
fsr-3421	106	6	(	(	PUNCT
fsr-3421	106	7	2017	2017	NUM
fsr-3421	106	8	)	)	PUNCT
fsr-3421	106	9	find	find	VERB
fsr-3421	106	10	that	that	SCONJ
fsr-3421	106	11	clients	client	NOUN
fsr-3421	106	12	rank	rank	VERB
fsr-3421	106	13	ethical	ethical	ADJ
fsr-3421	106	14	values	value	NOUN
fsr-3421	106	15	as	as	ADP
fsr-3421	106	16	more	more	ADV
fsr-3421	106	17	important	important	ADJ
fsr-3421	106	18	than	than	ADP
fsr-3421	106	19	technical	technical	ADJ
fsr-3421	106	20	competence	competence	NOUN
fsr-3421	106	21	in	in	ADP
fsr-3421	106	22	a	a	DET
fsr-3421	106	23	financial	financial	ADJ
fsr-3421	106	24	advisor	advisor	NOUN
fsr-3421	106	25	.	.	PROPN
fsr-3421	107	1	2.4	2.4	NUM
fsr-3421	107	2	.	.	PUNCT
fsr-3421	108	1	client	client	PROPN
fsr-3421	108	2	’s	’s	PART
fsr-3421	108	3	best	good	ADJ
fsr-3421	108	4	interest	interest	NOUN
fsr-3421	108	5	in	in	ADP
fsr-3421	108	6	australia	australia	PROPN
fsr-3421	108	7	looking	look	VERB
fsr-3421	108	8	specifically	specifically	ADV
fsr-3421	108	9	at	at	ADP
fsr-3421	108	10	the	the	DET
fsr-3421	108	11	regulatory	regulatory	ADJ
fsr-3421	108	12	context	context	NOUN
fsr-3421	108	13	,	,	PUNCT
fsr-3421	108	14	at	at	ADP
fsr-3421	108	15	the	the	DET
fsr-3421	108	16	most	most	ADV
fsr-3421	108	17	basic	basic	ADJ
fsr-3421	108	18	level	level	NOUN
fsr-3421	108	19	,	,	PUNCT
fsr-3421	108	20	financial	financial	ADJ
fsr-3421	108	21	advice	advice	NOUN
fsr-3421	108	22	is	be	AUX
fsr-3421	108	23	governed	govern	VERB
fsr-3421	108	24	by	by	ADP
fsr-3421	108	25	the	the	DET
fsr-3421	108	26	laws	law	NOUN
fsr-3421	108	27	of	of	ADP
fsr-3421	108	28	equity	equity	NOUN
fsr-3421	108	29	as	as	ADV
fsr-3421	108	30	well	well	ADV
fsr-3421	108	31	as	as	ADP
fsr-3421	108	32	common	common	ADJ
fsr-3421	108	33	law	law	NOUN
fsr-3421	108	34	,	,	PUNCT
fsr-3421	108	35	imposing	impose	VERB
fsr-3421	108	36	duties	duty	NOUN
fsr-3421	108	37	on	on	ADP
fsr-3421	108	38	a	a	DET
fsr-3421	108	39	financial	financial	ADJ
fsr-3421	108	40	advisor	advisor	NOUN
fsr-3421	108	41	creating	create	VERB
fsr-3421	108	42	an	an	DET
fsr-3421	108	43	obligation	obligation	NOUN
fsr-3421	108	44	to	to	PART
fsr-3421	108	45	act	act	VERB
fsr-3421	108	46	in	in	ADP
fsr-3421	108	47	a	a	DET
fsr-3421	108	48	client	client	NOUN
fsr-3421	108	49	’s	’s	PART
fsr-3421	108	50	best	good	ADJ
fsr-3421	108	51	interest	interest	NOUN
fsr-3421	108	52	.	.	PUNCT
fsr-3421	109	1	common	common	ADJ
fsr-3421	109	2	law	law	NOUN
fsr-3421	109	3	places	place	VERB
fsr-3421	109	4	a	a	DET
fsr-3421	109	5	duty	duty	NOUN
fsr-3421	109	6	of	of	ADP
fsr-3421	109	7	care	care	NOUN
fsr-3421	109	8	on	on	ADP
fsr-3421	109	9	professionals	professional	NOUN
fsr-3421	109	10	in	in	ADP
fsr-3421	109	11	contract	contract	NOUN
fsr-3421	109	12	and	and	CCONJ
fsr-3421	109	13	tort	tort	NOUN
fsr-3421	109	14	.	.	PUNCT
fsr-3421	110	1	glover	glover	PROPN
fsr-3421	110	2	(	(	PUNCT
fsr-3421	110	3	2002	2002	NUM
fsr-3421	110	4	)	)	PUNCT
fsr-3421	110	5	argues	argue	VERB
fsr-3421	110	6	that	that	SCONJ
fsr-3421	110	7	when	when	SCONJ
fsr-3421	110	8	professionals	professional	NOUN
fsr-3421	110	9	possess	possess	VERB
fsr-3421	110	10	special	special	ADJ
fsr-3421	110	11	expertise	expertise	NOUN
fsr-3421	110	12	,	,	PUNCT
fsr-3421	110	13	they	they	PRON
fsr-3421	110	14	must	must	AUX
fsr-3421	110	15	render	render	VERB
fsr-3421	110	16	services	service	NOUN
fsr-3421	110	17	to	to	ADP
fsr-3421	110	18	a	a	DET
fsr-3421	110	19	client	client	NOUN
fsr-3421	110	20	according	accord	VERB
fsr-3421	110	21	to	to	ADP
fsr-3421	110	22	‘	'	PUNCT
fsr-3421	110	23	prevailing	prevail	VERB
fsr-3421	110	24	community	community	NOUN
fsr-3421	110	25	standards	standard	NOUN
fsr-3421	110	26	’	'	PUNCT
fsr-3421	110	27	because	because	SCONJ
fsr-3421	110	28	they	they	PRON
fsr-3421	110	29	a	a	DET
fsr-3421	110	30	liable	liable	ADJ
fsr-3421	110	31	in	in	ADP
fsr-3421	110	32	contract	contract	NOUN
fsr-3421	110	33	or	or	CCONJ
fsr-3421	110	34	in	in	ADP
fsr-3421	110	35	tort	tort	NOUN
fsr-3421	110	36	.	.	PUNCT
fsr-3421	111	1	as	as	SCONJ
fsr-3421	111	2	the	the	DET
fsr-3421	111	3	financial	financial	ADJ
fsr-3421	111	4	advisor	advisor	NOUN
fsr-3421	111	5	is	be	AUX
fsr-3421	111	6	providing	provide	VERB
fsr-3421	111	7	expertise	expertise	NOUN
fsr-3421	111	8	to	to	ADP
fsr-3421	111	9	clients	client	NOUN
fsr-3421	111	10	,	,	PUNCT
fsr-3421	111	11	they	they	PRON
fsr-3421	111	12	are	be	AUX
fsr-3421	111	13	liable	liable	ADJ
fsr-3421	111	14	to	to	PART
fsr-3421	111	15	ensure	ensure	VERB
fsr-3421	111	16	advice	advice	NOUN
fsr-3421	111	17	is	be	AUX
fsr-3421	111	18	provided	provide	VERB
fsr-3421	111	19	at	at	ADP
fsr-3421	111	20	community	community	NOUN
fsr-3421	111	21	standards	standard	NOUN
fsr-3421	111	22	.	.	PUNCT
fsr-3421	112	1	there	there	PRON
fsr-3421	112	2	is	be	VERB
fsr-3421	112	3	also	also	ADV
fsr-3421	112	4	legal	legal	ADJ
fsr-3421	112	5	precedent	precedent	NOUN
fsr-3421	112	6	of	of	ADP
fsr-3421	112	7	a	a	DET
fsr-3421	112	8	fiduciary	fiduciary	ADJ
fsr-3421	112	9	requirement	requirement	NOUN
fsr-3421	112	10	more	more	ADV
fsr-3421	112	11	generally	generally	ADV
fsr-3421	112	12	in	in	ADP
fsr-3421	112	13	financial	financial	ADJ
fsr-3421	112	14	services.2	services.2	VERB
fsr-3421	112	15	the	the	DET
fsr-3421	112	16	community	community	NOUN
fsr-3421	112	17	standards	standard	NOUN
fsr-3421	112	18	can	can	AUX
fsr-3421	112	19	be	be	AUX
fsr-3421	112	20	ascertained	ascertain	VERB
fsr-3421	112	21	from	from	ADP
fsr-3421	112	22	professional	professional	PROPN
fsr-3421	112	23	association	association	PROPN
fsr-3421	112	24	’s	’s	PART
fsr-3421	112	25	exhortations	exhortation	NOUN
fsr-3421	112	26	and	and	CCONJ
fsr-3421	112	27	legal	legal	ADJ
fsr-3421	112	28	requirements	requirement	NOUN
fsr-3421	112	29	which	which	PRON
fsr-3421	112	30	stress	stress	VERB
fsr-3421	112	31	a	a	DET
fsr-3421	112	32	client	client	NOUN
fsr-3421	112	33	’s	’s	PART
fsr-3421	112	34	best	good	ADJ
fsr-3421	112	35	interest	interest	NOUN
fsr-3421	112	36	standard	standard	NOUN
fsr-3421	112	37	to	to	PART
fsr-3421	112	38	resolve	resolve	VERB
fsr-3421	112	39	and	and	CCONJ
fsr-3421	112	40	avoid	avoid	VERB
fsr-3421	112	41	conflicts	conflict	NOUN
fsr-3421	112	42	of	of	ADP
fsr-3421	112	43	interests	interest	NOUN
fsr-3421	112	44	(	(	PUNCT
fsr-3421	112	45	glover	glover	PROPN
fsr-3421	112	46	,	,	PUNCT
fsr-3421	112	47	2002	2002	NUM
fsr-3421	112	48	;	;	PUNCT
fsr-3421	112	49	batten	batten	PROPN
fsr-3421	112	50	&	&	CCONJ
fsr-3421	112	51	pearson	pearson	PROPN
fsr-3421	112	52	,	,	PUNCT
fsr-3421	112	53	2013	2013	NUM
fsr-3421	112	54	)	)	PUNCT
fsr-3421	112	55	.	.	PUNCT
fsr-3421	113	1	the	the	DET
fsr-3421	113	2	two	two	NUM
fsr-3421	113	3	major	major	ADJ
fsr-3421	113	4	professional	professional	ADJ
fsr-3421	113	5	bodies	body	NOUN
fsr-3421	113	6	are	be	AUX
fsr-3421	113	7	the	the	DET
fsr-3421	113	8	financial	financial	ADJ
fsr-3421	113	9	planning	planning	PROPN
fsr-3421	113	10	association	association	PROPN
fsr-3421	113	11	of	of	ADP
fsr-3421	113	12	australia	australia	PROPN
fsr-3421	113	13	(	(	PUNCT
fsr-3421	113	14	fpa	fpa	PROPN
fsr-3421	113	15	)	)	PUNCT
fsr-3421	113	16	and	and	CCONJ
fsr-3421	113	17	the	the	DET
fsr-3421	113	18	association	association	NOUN
fsr-3421	113	19	of	of	ADP
fsr-3421	113	20	financial	financial	ADJ
fsr-3421	113	21	advisers	adviser	NOUN
fsr-3421	113	22	(	(	PUNCT
fsr-3421	113	23	afa	afa	PROPN
fsr-3421	113	24	)	)	PUNCT
fsr-3421	113	25	whose	whose	DET
fsr-3421	113	26	code	code	NOUN
fsr-3421	113	27	of	of	ADP
fsr-3421	113	28	ethics	ethic	NOUN
fsr-3421	113	29	include	include	VERB
fsr-3421	113	30	principles	principle	NOUN
fsr-3421	113	31	such	such	ADJ
fsr-3421	113	32	as	as	ADP
fsr-3421	113	33	client	client	NOUN
fsr-3421	113	34	first	first	ADV
fsr-3421	113	35	(	(	PUNCT
fsr-3421	113	36	fpa	fpa	PROPN
fsr-3421	113	37	,	,	PUNCT
fsr-3421	113	38	2013	2013	NUM
fsr-3421	113	39	)	)	PUNCT
fsr-3421	113	40	and	and	CCONJ
fsr-3421	113	41	best	good	ADJ
fsr-3421	113	42	interests	interest	NOUN
fsr-3421	113	43	(	(	PUNCT
fsr-3421	113	44	afa	afa	PROPN
fsr-3421	113	45	,	,	PUNCT
fsr-3421	113	46	2018	2018	NUM
fsr-3421	113	47	)	)	PUNCT
fsr-3421	113	48	,	,	PUNCT
fsr-3421	113	49	respectively	respectively	ADV
fsr-3421	113	50	.	.	PUNCT
fsr-3421	114	1	in	in	ADP
fsr-3421	114	2	addition	addition	NOUN
fsr-3421	114	3	,	,	PUNCT
fsr-3421	114	4	all	all	DET
fsr-3421	114	5	financial	financial	ADJ
fsr-3421	114	6	advisors	advisor	NOUN
fsr-3421	114	7	are	be	AUX
fsr-3421	114	8	governed	govern	VERB
fsr-3421	114	9	by	by	ADP
fsr-3421	114	10	a	a	DET
fsr-3421	114	11	new	new	ADJ
fsr-3421	114	12	code	code	NOUN
fsr-3421	114	13	of	of	ADP
fsr-3421	114	14	ethics	ethic	NOUN
fsr-3421	114	15	,	,	PUNCT
fsr-3421	114	16	established	establish	VERB
fsr-3421	114	17	by	by	ADP
fsr-3421	114	18	the	the	DET
fsr-3421	114	19	financial	financial	ADJ
fsr-3421	114	20	adviser	adviser	NOUN
fsr-3421	114	21	standards	standard	NOUN
fsr-3421	114	22	and	and	CCONJ
fsr-3421	114	23	ethics	ethic	NOUN
fsr-3421	114	24	authority	authority	NOUN
fsr-3421	114	25	(	(	PUNCT
fsr-3421	114	26	fasea	fasea	NOUN
fsr-3421	114	27	)	)	PUNCT
fsr-3421	114	28	,	,	PUNCT
fsr-3421	114	29	which	which	PRON
fsr-3421	114	30	includes	include	VERB
fsr-3421	114	31	the	the	DET
fsr-3421	114	32	ethical	ethical	ADJ
fsr-3421	114	33	behaviour	behaviour	NOUN
fsr-3421	114	34	.	.	PUNCT
fsr-3421	115	1	“	"	PUNCT
fsr-3421	115	2	you	you	PRON
fsr-3421	115	3	must	must	AUX
fsr-3421	115	4	act	act	VERB
fsr-3421	115	5	with	with	ADP
fsr-3421	115	6	integrity	integrity	NOUN
fsr-3421	115	7	and	and	CCONJ
fsr-3421	115	8	in	in	ADP
fsr-3421	115	9	the	the	DET
fsr-3421	115	10	best	good	ADJ
fsr-3421	115	11	interests	interest	NOUN
fsr-3421	115	12	of	of	ADP
fsr-3421	115	13	each	each	PRON
fsr-3421	115	14	of	of	ADP
fsr-3421	115	15	your	your	PRON
fsr-3421	115	16	clients	client	NOUN
fsr-3421	115	17	”	"	PUNCT
fsr-3421	115	18	(	(	PUNCT
fsr-3421	115	19	fasea	fasea	NOUN
fsr-3421	115	20	,	,	PUNCT
fsr-3421	115	21	2019	2019	NUM
fsr-3421	115	22	)	)	PUNCT
fsr-3421	115	23	.	.	PUNCT
fsr-3421	116	1	moreover	moreover	ADV
fsr-3421	116	2	,	,	PUNCT
fsr-3421	116	3	this	this	DET
fsr-3421	116	4	code	code	NOUN
fsr-3421	116	5	has	have	VERB
fsr-3421	116	6	legislative	legislative	ADJ
fsr-3421	116	7	backing	backing	NOUN
fsr-3421	116	8	via	via	ADP
fsr-3421	116	9	section	section	NOUN
fsr-3421	116	10	921e	921e	NUM
fsr-3421	116	11	of	of	ADP
fsr-3421	116	12	the	the	DET
fsr-3421	116	13	corporations	corporation	NOUN
fsr-3421	116	14	act	act	VERB
fsr-3421	116	15	2001	2001	NUM
fsr-3421	116	16	(	(	PUNCT
fsr-3421	116	17	cth	cth	X
fsr-3421	116	18	)	)	PUNCT
fsr-3421	116	19	(	(	PUNCT
fsr-3421	116	20	‘	'	PUNCT
fsr-3421	116	21	corporations	corporation	NOUN
fsr-3421	116	22	act	act	PROPN
fsr-3421	116	23	’	'	PUNCT
fsr-3421	116	24	)	)	PUNCT
fsr-3421	116	25	,	,	PUNCT
fsr-3421	116	26	requiring	require	VERB
fsr-3421	116	27	all	all	DET
fsr-3421	116	28	financial	financial	ADJ
fsr-3421	116	29	advisors	advisor	NOUN
fsr-3421	116	30	to	to	PART
fsr-3421	116	31	comply	comply	VERB
fsr-3421	116	32	with	with	ADP
fsr-3421	116	33	the	the	DET
fsr-3421	116	34	code	code	NOUN
fsr-3421	116	35	.	.	PUNCT
fsr-3421	117	1	a	a	DET
fsr-3421	117	2	client	client	NOUN
fsr-3421	117	3	’s	’s	PART
fsr-3421	117	4	best	good	ADJ
fsr-3421	117	5	interest	interest	NOUN
fsr-3421	117	6	obligations	obligation	NOUN
fsr-3421	117	7	was	be	AUX
fsr-3421	117	8	also	also	ADV
fsr-3421	117	9	legislated	legislate	VERB
fsr-3421	117	10	in	in	ADP
fsr-3421	117	11	part	part	NOUN
fsr-3421	117	12	7.7a	7.7a	NOUN
fsr-3421	117	13	corporations	corporation	NOUN
fsr-3421	117	14	act	act	PROPN
fsr-3421	117	15	,	,	PUNCT
fsr-3421	117	16	following	follow	VERB
fsr-3421	117	17	the	the	DET
fsr-3421	117	18	future	future	NOUN
fsr-3421	117	19	of	of	ADP
fsr-3421	117	20	financial	financial	ADJ
fsr-3421	117	21	advice	advice	NOUN
fsr-3421	117	22	(	(	PUNCT
fsr-3421	117	23	fofa	fofa	NOUN
fsr-3421	117	24	)	)	PUNCT
fsr-3421	117	25	reforms	reform	NOUN
fsr-3421	117	26	in	in	ADP
fsr-3421	117	27	2012	2012	NUM
fsr-3421	117	28	(	(	PUNCT
fsr-3421	117	29	north	north	NOUN
fsr-3421	117	30	,	,	PUNCT
fsr-3421	117	31	2015	2015	NUM
fsr-3421	117	32	)	)	PUNCT
fsr-3421	117	33	.	.	PUNCT
fsr-3421	118	1	the	the	DET
fsr-3421	118	2	reforms	reform	NOUN
fsr-3421	118	3	cover	cover	VERB
fsr-3421	118	4	best	good	ADJ
fsr-3421	118	5	interest	interest	NOUN
fsr-3421	118	6	obligations	obligation	NOUN
fsr-3421	118	7	(	(	PUNCT
fsr-3421	118	8	division	division	NOUN
fsr-3421	118	9	2	2	NUM
fsr-3421	118	10	)	)	PUNCT
fsr-3421	118	11	;	;	PUNCT
fsr-3421	118	12	charging	charge	VERB
fsr-3421	118	13	of	of	ADP
fsr-3421	118	14	ongoing	ongoing	ADJ
fsr-3421	118	15	fees	fee	NOUN
fsr-3421	118	16	(	(	PUNCT
fsr-3421	118	17	division	division	NOUN
fsr-3421	118	18	3	3	NUM
fsr-3421	118	19	)	)	PUNCT
fsr-3421	118	20	;	;	PUNCT
fsr-3421	118	21	conflicted	conflicted	ADJ
fsr-3421	118	22	remuneration	remuneration	NOUN
fsr-3421	118	23	(	(	PUNCT
fsr-3421	118	24	division	division	NOUN
fsr-3421	118	25	4	4	NUM
fsr-3421	118	26	)	)	PUNCT
fsr-3421	118	27	;	;	PUNCT
fsr-3421	118	28	and	and	CCONJ
fsr-3421	118	29	banned	ban	VERB
fsr-3421	118	30	remuneration	remuneration	NOUN
fsr-3421	118	31	(	(	PUNCT
fsr-3421	118	32	division	division	NOUN
fsr-3421	118	33	5	5	NUM
fsr-3421	118	34	)	)	PUNCT
fsr-3421	118	35	.	.	PUNCT
fsr-3421	119	1	for	for	ADP
fsr-3421	119	2	example	example	NOUN
fsr-3421	119	3	,	,	PUNCT
fsr-3421	119	4	section	section	NOUN
fsr-3421	119	5	961b(1	961b(1	NUM
fsr-3421	119	6	)	)	PUNCT
fsr-3421	119	7	states	state	VERB
fsr-3421	119	8	that	that	SCONJ
fsr-3421	119	9	“	"	PUNCT
fsr-3421	119	10	the	the	DET
fsr-3421	119	11	provider	provider	NOUN
fsr-3421	119	12	must	must	AUX
fsr-3421	119	13	act	act	VERB
fsr-3421	119	14	in	in	ADP
fsr-3421	119	15	the	the	DET
fsr-3421	119	16	best	good	ADJ
fsr-3421	119	17	interests	interest	NOUN
fsr-3421	119	18	of	of	ADP
fsr-3421	119	19	the	the	DET
fsr-3421	119	20	client	client	NOUN
fsr-3421	119	21	in	in	ADP
fsr-3421	119	22	relation	relation	NOUN
fsr-3421	119	23	to	to	ADP
fsr-3421	119	24	the	the	DET
fsr-3421	119	25	advice	advice	NOUN
fsr-3421	119	26	”	"	PUNCT
fsr-3421	119	27	and	and	CCONJ
fsr-3421	119	28	s961b(2	s961b(2	PROPN
fsr-3421	119	29	)	)	PUNCT
fsr-3421	119	30	details	detail	VERB
fsr-3421	119	31	a	a	DET
fsr-3421	119	32	“	"	PUNCT
fsr-3421	119	33	safe	safe	ADJ
fsr-3421	119	34	harboring	harboring	NOUN
fsr-3421	119	35	”	"	PUNCT
fsr-3421	119	36	process	process	NOUN
fsr-3421	119	37	to	to	PART
fsr-3421	119	38	show	show	VERB
fsr-3421	119	39	satisfaction	satisfaction	NOUN
fsr-3421	119	40	of	of	ADP
fsr-3421	119	41	this	this	DET
fsr-3421	119	42	duty	duty	NOUN
fsr-3421	119	43	.	.	PUNCT
fsr-3421	120	1	moreover	moreover	ADV
fsr-3421	120	2	,	,	PUNCT
fsr-3421	120	3	s961j	s961j	PROPN
fsr-3421	120	4	specifies	specify	VERB
fsr-3421	120	5	that	that	SCONJ
fsr-3421	120	6	priority	priority	NOUN
fsr-3421	120	7	must	must	AUX
fsr-3421	120	8	be	be	AUX
fsr-3421	120	9	given	give	VERB
fsr-3421	120	10	to	to	ADP
fsr-3421	120	11	the	the	DET
fsr-3421	120	12	clients	client	NOUN
fsr-3421	120	13	’	’	PART
fsr-3421	120	14	interest	interest	NOUN
fsr-3421	120	15	where	where	SCONJ
fsr-3421	120	16	there	there	PRON
fsr-3421	120	17	is	be	VERB
fsr-3421	120	18	a	a	DET
fsr-3421	120	19	conflict	conflict	NOUN
fsr-3421	120	20	and	and	CCONJ
fsr-3421	120	21	the	the	DET
fsr-3421	120	22	advisor	advisor	NOUN
fsr-3421	120	23	may	may	AUX
fsr-3421	120	24	face	face	VERB
fsr-3421	120	25	civil	civil	ADJ
fsr-3421	120	26	penalties	penalty	NOUN
fsr-3421	120	27	if	if	SCONJ
fsr-3421	120	28	this	this	DET
fsr-3421	120	29	duty	duty	NOUN
fsr-3421	120	30	is	be	AUX
fsr-3421	120	31	contravened	contravene	VERB
fsr-3421	120	32	(	(	PUNCT
fsr-3421	120	33	batten	batten	NOUN
fsr-3421	120	34	&	&	CCONJ
fsr-3421	120	35	pearson	pearson	PROPN
fsr-3421	120	36	,	,	PUNCT
fsr-3421	120	37	2013	2013	NUM
fsr-3421	120	38	)	)	PUNCT
fsr-3421	120	39	.	.	PUNCT
fsr-3421	121	1	in	in	ADP
fsr-3421	121	2	summary	summary	NOUN
fsr-3421	121	3	,	,	PUNCT
fsr-3421	121	4	extant	extant	ADJ
fsr-3421	121	5	literature	literature	NOUN
fsr-3421	121	6	suggests	suggest	VERB
fsr-3421	121	7	that	that	SCONJ
fsr-3421	121	8	local	local	ADJ
fsr-3421	121	9	organizational	organizational	ADJ
fsr-3421	121	10	structures	structure	NOUN
fsr-3421	121	11	and	and	CCONJ
fsr-3421	121	12	regulatory	regulatory	ADJ
fsr-3421	121	13	environments	environment	NOUN
fsr-3421	121	14	are	be	AUX
fsr-3421	121	15	important	important	ADJ
fsr-3421	121	16	factors	factor	NOUN
fsr-3421	121	17	influencing	influence	VERB
fsr-3421	121	18	whether	whether	SCONJ
fsr-3421	121	19	financial	financial	ADJ
fsr-3421	121	20	advice	advice	NOUN
fsr-3421	121	21	is	be	AUX
fsr-3421	121	22	provided	provide	VERB
fsr-3421	121	23	in	in	ADP
fsr-3421	121	24	a	a	DET
fsr-3421	121	25	client	client	NOUN
fsr-3421	121	26	’s	’s	PART
fsr-3421	121	27	best	good	ADJ
fsr-3421	121	28	interest	interest	NOUN
fsr-3421	121	29	.	.	PUNCT
fsr-3421	122	1	within	within	ADP
fsr-3421	122	2	the	the	DET
fsr-3421	122	3	australian	australian	ADJ
fsr-3421	122	4	setting	setting	NOUN
fsr-3421	122	5	,	,	PUNCT
fsr-3421	122	6	there	there	PRON
fsr-3421	122	7	is	be	VERB
fsr-3421	122	8	a	a	DET
fsr-3421	122	9	developed	develop	VERB
fsr-3421	122	10	financial	financial	ADJ
fsr-3421	122	11	advice	advice	NOUN
fsr-3421	122	12	industry	industry	NOUN
fsr-3421	122	13	that	that	PRON
fsr-3421	122	14	has	have	AUX
fsr-3421	122	15	undergone	undergo	VERB
fsr-3421	122	16	significant	significant	ADJ
fsr-3421	122	17	regulatory	regulatory	ADJ
fsr-3421	122	18	reform	reform	NOUN
fsr-3421	122	19	,	,	PUNCT
fsr-3421	122	20	yet	yet	CCONJ
fsr-3421	122	21	pervasive	pervasive	ADJ
fsr-3421	122	22	misconduct	misconduct	NOUN
fsr-3421	122	23	has	have	AUX
fsr-3421	122	24	continued	continue	VERB
fsr-3421	122	25	(	(	PUNCT
fsr-3421	122	26	the	the	DET
fsr-3421	122	27	royal	royal	PROPN
fsr-3421	122	28	commission	commission	NOUN
fsr-3421	122	29	offers	offer	VERB
fsr-3421	122	30	the	the	DET
fsr-3421	122	31	most	most	ADV
fsr-3421	122	32	recent	recent	ADJ
fsr-3421	122	33	summary	summary	NOUN
fsr-3421	122	34	)	)	PUNCT
fsr-3421	122	35	.	.	PUNCT
fsr-3421	123	1	despite	despite	SCONJ
fsr-3421	123	2	this	this	PRON
fsr-3421	123	3	,	,	PUNCT
fsr-3421	123	4	the	the	DET
fsr-3421	123	5	australian	australian	ADJ
fsr-3421	123	6	setting	setting	NOUN
fsr-3421	123	7	is	be	AUX
fsr-3421	123	8	infrequently	infrequently	ADV
fsr-3421	123	9	researched	research	VERB
fsr-3421	123	10	or	or	CCONJ
fsr-3421	123	11	theorized	theorize	VERB
fsr-3421	123	12	(	(	PUNCT
fsr-3421	123	13	exceptions	exception	NOUN
fsr-3421	123	14	being	be	AUX
fsr-3421	123	15	cull	cull	ADJ
fsr-3421	123	16	,	,	PUNCT
fsr-3421	123	17	2009	2009	NUM
fsr-3421	123	18	;	;	PUNCT
fsr-3421	123	19	mcinnes	mcinne	NOUN
fsr-3421	123	20	2020	2020	NUM
fsr-3421	123	21	;	;	PUNCT
fsr-3421	123	22	north	north	NOUN
fsr-3421	123	23	,	,	PUNCT
fsr-3421	123	24	2015	2015	NUM
fsr-3421	123	25	)	)	PUNCT
fsr-3421	123	26	and	and	CCONJ
fsr-3421	123	27	relevantly	relevantly	ADV
fsr-3421	123	28	,	,	PUNCT
fsr-3421	123	29	despite	despite	SCONJ
fsr-3421	123	30	having	have	VERB
fsr-3421	123	31	established	establish	VERB
fsr-3421	123	32	client	client	NOUN
fsr-3421	123	33	’s	’s	PART
fsr-3421	123	34	best	good	ADJ
fsr-3421	123	35	interest	interest	NOUN
fsr-3421	123	36	obligations	obligation	NOUN
fsr-3421	123	37	for	for	ADP
fsr-3421	123	38	financial	financial	ADJ
fsr-3421	123	39	advisors	advisor	NOUN
fsr-3421	123	40	,	,	PUNCT
fsr-3421	123	41	impediments	impediment	VERB
fsr-3421	123	42	in	in	ADP
fsr-3421	123	43	meeting	meet	VERB
fsr-3421	123	44	this	this	DET
fsr-3421	123	45	duty	duty	NOUN
fsr-3421	123	46	continue	continue	VERB
fsr-3421	123	47	to	to	PART
fsr-3421	123	48	persist	persist	VERB
fsr-3421	123	49	.	.	PUNCT
fsr-3421	124	1	this	this	DET
fsr-3421	124	2	research	research	NOUN
fsr-3421	124	3	,	,	PUNCT
fsr-3421	124	4	therefore	therefore	ADV
fsr-3421	124	5	,	,	PUNCT
fsr-3421	124	6	138	138	NUM
fsr-3421	124	7	d.	d.	PROPN
fsr-3421	124	8	w.	w.	PROPN
fsr-3421	124	9	richards	richards	PROPN
fsr-3421	124	10	,	,	PUNCT
fsr-3421	124	11	e.	e.	PROPN
fsr-3421	124	12	f.	f.	PROPN
fsr-3421	124	13	morton	morton	PROPN
fsr-3421	124	14	/	/	SYM
fsr-3421	124	15	financial	financial	ADJ
fsr-3421	124	16	services	service	NOUN
fsr-3421	124	17	review	review	VERB
fsr-3421	124	18	28	28	NUM
fsr-3421	124	19	(	(	PUNCT
fsr-3421	124	20	2020	2020	NUM
fsr-3421	124	21	)	)	PUNCT
fsr-3421	124	22	133–158	133–158	NUM
fsr-3421	124	23	investigates	investigate	VERB
fsr-3421	124	24	this	this	PRON
fsr-3421	124	25	setting	set	VERB
fsr-3421	124	26	holistically	holistically	ADV
fsr-3421	124	27	by	by	ADP
fsr-3421	124	28	researching	research	VERB
fsr-3421	124	29	when	when	SCONJ
fsr-3421	124	30	financial	financial	ADJ
fsr-3421	124	31	advice	advice	NOUN
fsr-3421	124	32	can	can	AUX
fsr-3421	124	33	be	be	AUX
fsr-3421	124	34	provided	provide	VERB
fsr-3421	124	35	in	in	ADP
fsr-3421	124	36	a	a	DET
fsr-3421	124	37	client	client	NOUN
fsr-3421	124	38	’s	’s	PART
fsr-3421	124	39	best	good	ADJ
fsr-3421	124	40	interest	interest	NOUN
fsr-3421	124	41	.	.	PUNCT
fsr-3421	125	1	it	it	PRON
fsr-3421	125	2	also	also	ADV
fsr-3421	125	3	researches	research	VERB
fsr-3421	125	4	the	the	DET
fsr-3421	125	5	business	business	NOUN
fsr-3421	125	6	models	model	NOUN
fsr-3421	125	7	and	and	CCONJ
fsr-3421	125	8	wider	wide	ADJ
fsr-3421	125	9	environment	environment	NOUN
fsr-3421	125	10	,	,	PUNCT
fsr-3421	125	11	including	include	VERB
fsr-3421	125	12	key	key	ADJ
fsr-3421	125	13	external	external	ADJ
fsr-3421	125	14	stakeholders	stakeholder	NOUN
fsr-3421	125	15	,	,	PUNCT
fsr-3421	125	16	that	that	PRON
fsr-3421	125	17	can	can	AUX
fsr-3421	125	18	enable	enable	VERB
fsr-3421	125	19	and/or	and/or	CCONJ
fsr-3421	125	20	impede	impede	VERB
fsr-3421	125	21	the	the	DET
fsr-3421	125	22	providing	providing	NOUN
fsr-3421	125	23	of	of	ADP
fsr-3421	125	24	financial	financial	ADJ
fsr-3421	125	25	advice	advice	NOUN
fsr-3421	125	26	in	in	ADP
fsr-3421	125	27	a	a	DET
fsr-3421	125	28	client	client	NOUN
fsr-3421	125	29	’s	’s	PART
fsr-3421	125	30	best	good	ADJ
fsr-3421	125	31	interest	interest	NOUN
fsr-3421	125	32	.	.	PUNCT
fsr-3421	126	1	in	in	ADP
fsr-3421	126	2	doing	do	VERB
fsr-3421	126	3	so	so	ADV
fsr-3421	126	4	,	,	PUNCT
fsr-3421	126	5	the	the	DET
fsr-3421	126	6	research	research	NOUN
fsr-3421	126	7	aims	aim	VERB
fsr-3421	126	8	to	to	PART
fsr-3421	126	9	reveal	reveal	VERB
fsr-3421	126	10	the	the	DET
fsr-3421	126	11	stakeholders	stakeholder	NOUN
fsr-3421	126	12	that	that	PRON
fsr-3421	126	13	encourage	encourage	VERB
fsr-3421	126	14	,	,	PUNCT
fsr-3421	126	15	and	and	CCONJ
fsr-3421	126	16	the	the	DET
fsr-3421	126	17	business	business	NOUN
fsr-3421	126	18	models	model	NOUN
fsr-3421	126	19	which	which	PRON
fsr-3421	126	20	prevent	prevent	VERB
fsr-3421	126	21	,	,	PUNCT
fsr-3421	126	22	client	client	NOUN
fsr-3421	126	23	’s	’s	PART
fsr-3421	126	24	best	good	ADJ
fsr-3421	126	25	interest	interest	NOUN
fsr-3421	126	26	practice	practice	NOUN
fsr-3421	126	27	.	.	PUNCT
fsr-3421	127	1	3	3	X
fsr-3421	127	2	.	.	X
fsr-3421	127	3	methodology	methodology	NOUN
fsr-3421	127	4	we	we	PRON
fsr-3421	127	5	undertake	undertake	VERB
fsr-3421	127	6	an	an	DET
fsr-3421	127	7	exploratory	exploratory	ADJ
fsr-3421	127	8	and	and	CCONJ
fsr-3421	127	9	mixed	mixed	ADJ
fsr-3421	127	10	methodology	methodology	NOUN
fsr-3421	127	11	that	that	PRON
fsr-3421	127	12	utilises	utilise	VERB
fsr-3421	127	13	both	both	DET
fsr-3421	127	14	document	document	NOUN
fsr-3421	127	15	analysis	analysis	NOUN
fsr-3421	127	16	and	and	CCONJ
fsr-3421	127	17	interviews	interview	NOUN
fsr-3421	127	18	to	to	PART
fsr-3421	127	19	achieve	achieve	VERB
fsr-3421	127	20	the	the	DET
fsr-3421	127	21	research	research	NOUN
fsr-3421	127	22	aims	aim	NOUN
fsr-3421	127	23	(	(	PUNCT
fsr-3421	127	24	morse	morse	NOUN
fsr-3421	127	25	,	,	PUNCT
fsr-3421	127	26	2003	2003	NUM
fsr-3421	127	27	)	)	PUNCT
fsr-3421	127	28	.	.	PUNCT
fsr-3421	128	1	the	the	DET
fsr-3421	128	2	exploratory	exploratory	ADJ
fsr-3421	128	3	qualitative	qualitative	NOUN
fsr-3421	128	4	methodology	methodology	NOUN
fsr-3421	128	5	was	be	AUX
fsr-3421	128	6	adopted	adopt	VERB
fsr-3421	128	7	so	so	SCONJ
fsr-3421	128	8	that	that	DET
fsr-3421	128	9	theory	theory	NOUN
fsr-3421	128	10	could	could	AUX
fsr-3421	128	11	be	be	AUX
fsr-3421	128	12	generated	generate	VERB
fsr-3421	128	13	from	from	ADP
fsr-3421	128	14	data	data	PROPN
fsr-3421	128	15	.	.	PUNCT
fsr-3421	129	1	the	the	DET
fsr-3421	129	2	research	research	NOUN
fsr-3421	129	3	process	process	NOUN
fsr-3421	129	4	was	be	AUX
fsr-3421	129	5	carried	carry	VERB
fsr-3421	129	6	out	out	ADP
fsr-3421	129	7	in	in	ADP
fsr-3421	129	8	three	three	NUM
fsr-3421	129	9	phases	phase	NOUN
fsr-3421	129	10	.	.	PUNCT
fsr-3421	130	1	the	the	DET
fsr-3421	130	2	first	first	ADJ
fsr-3421	130	3	phase	phase	NOUN
fsr-3421	130	4	involved	involve	VERB
fsr-3421	130	5	content	content	NOUN
fsr-3421	130	6	analysis	analysis	NOUN
fsr-3421	130	7	of	of	ADP
fsr-3421	130	8	archival	archival	NOUN
fsr-3421	130	9	data	datum	NOUN
fsr-3421	130	10	,	,	PUNCT
fsr-3421	130	11	including	include	VERB
fsr-3421	130	12	regulatory	regulatory	ADJ
fsr-3421	130	13	documents	document	NOUN
fsr-3421	130	14	on	on	ADP
fsr-3421	130	15	financial	financial	ADJ
fsr-3421	130	16	advice	advice	NOUN
fsr-3421	130	17	,	,	PUNCT
fsr-3421	130	18	to	to	PART
fsr-3421	130	19	ascertain	ascertain	VERB
fsr-3421	130	20	how	how	SCONJ
fsr-3421	130	21	financial	financial	ADJ
fsr-3421	130	22	advice	advice	NOUN
fsr-3421	130	23	was	be	AUX
fsr-3421	130	24	regulated	regulate	VERB
fsr-3421	130	25	and	and	CCONJ
fsr-3421	130	26	governed	govern	VERB
fsr-3421	130	27	in	in	ADP
fsr-3421	130	28	australia	australia	PROPN
fsr-3421	130	29	.	.	PUNCT
fsr-3421	131	1	this	this	DET
fsr-3421	131	2	data	datum	NOUN
fsr-3421	131	3	was	be	AUX
fsr-3421	131	4	pjccfs	pjccfs	ADJ
fsr-3421	131	5	inquiries	inquiry	NOUN
fsr-3421	131	6	into	into	ADP
fsr-3421	131	7	financial	financial	ADJ
fsr-3421	131	8	advice	advice	NOUN
fsr-3421	131	9	(	(	PUNCT
fsr-3421	131	10	see	see	VERB
fsr-3421	131	11	appendix	appendix	NOUN
fsr-3421	131	12	1	1	NUM
fsr-3421	131	13	,	,	PUNCT
fsr-3421	131	14	table	table	NOUN
fsr-3421	131	15	1	1	NUM
fsr-3421	131	16	)	)	PUNCT
fsr-3421	131	17	.	.	PUNCT
fsr-3421	132	1	the	the	DET
fsr-3421	132	2	data	datum	NOUN
fsr-3421	132	3	were	be	AUX
fsr-3421	132	4	coded	code	VERB
fsr-3421	132	5	using	use	VERB
fsr-3421	132	6	nvivo	nvivo	NOUN
fsr-3421	132	7	11	11	NUM
fsr-3421	132	8	into	into	ADP
fsr-3421	132	9	three	three	NUM
fsr-3421	132	10	broad	broad	ADJ
fsr-3421	132	11	categories	category	NOUN
fsr-3421	132	12	:	:	PUNCT
fsr-3421	132	13	(	(	PUNCT
fsr-3421	132	14	1	1	X
fsr-3421	132	15	)	)	PUNCT
fsr-3421	132	16	professional	professional	ADJ
fsr-3421	132	17	challenges	challenge	NOUN
fsr-3421	132	18	facing	face	VERB
fsr-3421	132	19	financial	financial	ADJ
fsr-3421	132	20	advice	advice	NOUN
fsr-3421	132	21	,	,	PUNCT
fsr-3421	132	22	(	(	PUNCT
fsr-3421	132	23	2	2	X
fsr-3421	132	24	)	)	PUNCT
fsr-3421	132	25	state	state	NOUN
fsr-3421	132	26	regulation	regulation	NOUN
fsr-3421	132	27	and	and	CCONJ
fsr-3421	132	28	other	other	ADJ
fsr-3421	132	29	control	control	NOUN
fsr-3421	132	30	,	,	PUNCT
fsr-3421	132	31	and	and	CCONJ
fsr-3421	132	32	(	(	PUNCT
fsr-3421	132	33	3	3	X
fsr-3421	132	34	)	)	PUNCT
fsr-3421	132	35	the	the	DET
fsr-3421	132	36	professional	professional	ADJ
fsr-3421	132	37	community	community	NOUN
fsr-3421	132	38	.	.	PUNCT
fsr-3421	133	1	using	use	VERB
fsr-3421	133	2	these	these	DET
fsr-3421	133	3	data	datum	NOUN
fsr-3421	133	4	,	,	PUNCT
fsr-3421	133	5	theories	theory	NOUN
fsr-3421	133	6	on	on	ADP
fsr-3421	133	7	the	the	DET
fsr-3421	133	8	regulatory	regulatory	ADJ
fsr-3421	133	9	factors	factor	NOUN
fsr-3421	133	10	influencing	influence	VERB
fsr-3421	133	11	how	how	SCONJ
fsr-3421	133	12	financial	financial	ADJ
fsr-3421	133	13	advice	advice	NOUN
fsr-3421	133	14	is	be	AUX
fsr-3421	133	15	governed	govern	VERB
fsr-3421	133	16	were	be	AUX
fsr-3421	133	17	developed	develop	VERB
fsr-3421	133	18	so	so	SCONJ
fsr-3421	133	19	that	that	SCONJ
fsr-3421	133	20	they	they	PRON
fsr-3421	133	21	could	could	AUX
fsr-3421	133	22	be	be	AUX
fsr-3421	133	23	explored	explore	VERB
fsr-3421	133	24	through	through	ADP
fsr-3421	133	25	the	the	DET
fsr-3421	133	26	second	second	ADJ
fsr-3421	133	27	phase	phase	NOUN
fsr-3421	133	28	,	,	PUNCT
fsr-3421	133	29	indepth	indepth	ADJ
fsr-3421	133	30	semi	semi	ADJ
fsr-3421	133	31	-	-	ADJ
fsr-3421	133	32	structured	structured	ADJ
fsr-3421	133	33	qualitative	qualitative	ADJ
fsr-3421	133	34	interviews	interview	NOUN
fsr-3421	133	35	.	.	PUNCT
fsr-3421	134	1	the	the	DET
fsr-3421	134	2	interviews	interview	NOUN
fsr-3421	134	3	were	be	AUX
fsr-3421	134	4	conducted	conduct	VERB
fsr-3421	134	5	with	with	ADP
fsr-3421	134	6	eight	eight	NUM
fsr-3421	134	7	financial	financial	ADJ
fsr-3421	134	8	advisors	advisor	NOUN
fsr-3421	134	9	and	and	CCONJ
fsr-3421	134	10	one	one	NUM
fsr-3421	134	11	governance	governance	NOUN
fsr-3421	134	12	director	director	NOUN
fsr-3421	134	13	(	(	PUNCT
fsr-3421	134	14	refer	refer	VERB
fsr-3421	134	15	to	to	ADP
fsr-3421	134	16	appendix	appendix	VERB
fsr-3421	134	17	1	1	NUM
fsr-3421	134	18	,	,	PUNCT
fsr-3421	134	19	table	table	NOUN
fsr-3421	134	20	2	2	NUM
fsr-3421	134	21	)	)	PUNCT
fsr-3421	134	22	to	to	PART
fsr-3421	134	23	gain	gain	VERB
fsr-3421	134	24	insight	insight	NOUN
fsr-3421	134	25	into	into	ADP
fsr-3421	134	26	the	the	DET
fsr-3421	134	27	contextual	contextual	ADJ
fsr-3421	134	28	factors	factor	NOUN
fsr-3421	134	29	of	of	ADP
fsr-3421	134	30	financial	financial	ADJ
fsr-3421	134	31	advice	advice	NOUN
fsr-3421	134	32	in	in	ADP
fsr-3421	134	33	practice	practice	NOUN
fsr-3421	134	34	.	.	PUNCT
fsr-3421	135	1	as	as	SCONJ
fsr-3421	135	2	sandy	sandy	NOUN
fsr-3421	135	3	and	and	CCONJ
fsr-3421	135	4	dumay	dumay	PROPN
fsr-3421	135	5	(	(	PUNCT
fsr-3421	135	6	2011	2011	NUM
fsr-3421	135	7	:	:	PUNCT
fsr-3421	135	8	255	255	NUM
fsr-3421	135	9	)	)	PUNCT
fsr-3421	135	10	note	note	NOUN
fsr-3421	135	11	,	,	PUNCT
fsr-3421	135	12	“	"	PUNCT
fsr-3421	135	13	the	the	DET
fsr-3421	135	14	benefit	benefit	NOUN
fsr-3421	135	15	of	of	ADP
fsr-3421	135	16	the	the	DET
fsr-3421	135	17	research	research	NOUN
fsr-3421	135	18	interview	interview	NOUN
fsr-3421	135	19	lies	lie	VERB
fsr-3421	135	20	in	in	ADP
fsr-3421	135	21	its	its	PRON
fsr-3421	135	22	unique	unique	ADJ
fsr-3421	135	23	ability	ability	NOUN
fsr-3421	135	24	to	to	PART
fsr-3421	135	25	uncover	uncover	VERB
fsr-3421	135	26	the	the	DET
fsr-3421	135	27	private	private	ADJ
fsr-3421	135	28	and	and	CCONJ
fsr-3421	135	29	sometimes	sometimes	ADV
fsr-3421	135	30	incommunicable	incommunicable	ADJ
fsr-3421	135	31	social	social	ADJ
fsr-3421	135	32	world	world	NOUN
fsr-3421	135	33	of	of	ADP
fsr-3421	135	34	the	the	DET
fsr-3421	135	35	interviewee	interviewee	NOUN
fsr-3421	135	36	,	,	PUNCT
fsr-3421	135	37	to	to	PART
fsr-3421	135	38	gain	gain	VERB
fsr-3421	135	39	insight	insight	NOUN
fsr-3421	135	40	into	into	ADP
fsr-3421	135	41	alternative	alternative	ADJ
fsr-3421	135	42	assumptions	assumption	NOUN
fsr-3421	135	43	and	and	CCONJ
fsr-3421	135	44	ways	way	NOUN
fsr-3421	135	45	of	of	ADP
fsr-3421	135	46	seeing	see	VERB
fsr-3421	135	47	.	.	PUNCT
fsr-3421	135	48	”	"	PUNCT
fsr-3421	136	1	this	this	PRON
fsr-3421	136	2	allowed	allow	VERB
fsr-3421	136	3	us	we	PRON
fsr-3421	136	4	to	to	PART
fsr-3421	136	5	gather	gather	VERB
fsr-3421	136	6	further	further	ADJ
fsr-3421	136	7	information	information	NOUN
fsr-3421	136	8	outside	outside	ADP
fsr-3421	136	9	of	of	ADP
fsr-3421	136	10	the	the	DET
fsr-3421	136	11	archival	archival	NOUN
fsr-3421	136	12	data	datum	NOUN
fsr-3421	136	13	,	,	PUNCT
fsr-3421	136	14	including	include	VERB
fsr-3421	136	15	interpretations	interpretation	NOUN
fsr-3421	136	16	and	and	CCONJ
fsr-3421	136	17	perceptions	perception	NOUN
fsr-3421	136	18	of	of	ADP
fsr-3421	136	19	pertinent	pertinent	ADJ
fsr-3421	136	20	participants	participant	NOUN
fsr-3421	136	21	in	in	ADP
fsr-3421	136	22	the	the	DET
fsr-3421	136	23	financial	financial	ADJ
fsr-3421	136	24	advice	advice	NOUN
fsr-3421	136	25	industry	industry	NOUN
fsr-3421	136	26	.	.	PUNCT
fsr-3421	137	1	as	as	ADP
fsr-3421	137	2	such	such	ADJ
fsr-3421	137	3	,	,	PUNCT
fsr-3421	137	4	this	this	PRON
fsr-3421	137	5	enabled	enable	VERB
fsr-3421	137	6	us	we	PRON
fsr-3421	137	7	to	to	PART
fsr-3421	137	8	augment	augment	VERB
fsr-3421	137	9	the	the	DET
fsr-3421	137	10	identified	identify	VERB
fsr-3421	137	11	business	business	NOUN
fsr-3421	137	12	models	model	NOUN
fsr-3421	137	13	and	and	CCONJ
fsr-3421	137	14	influences	influence	NOUN
fsr-3421	137	15	developed	develop	VERB
fsr-3421	137	16	in	in	ADP
fsr-3421	137	17	phase	phase	NOUN
fsr-3421	137	18	one	one	NUM
fsr-3421	137	19	of	of	ADP
fsr-3421	137	20	the	the	DET
fsr-3421	137	21	project	project	NOUN
fsr-3421	137	22	.	.	PUNCT
fsr-3421	138	1	comparable	comparable	ADJ
fsr-3421	138	2	to	to	ADP
fsr-3421	138	3	cull	cull	NOUN
fsr-3421	138	4	and	and	CCONJ
fsr-3421	138	5	bowyer	bowyer	PROPN
fsr-3421	138	6	(	(	PUNCT
fsr-3421	138	7	2017	2017	NUM
fsr-3421	138	8	)	)	PUNCT
fsr-3421	138	9	,	,	PUNCT
fsr-3421	138	10	interviewees	interviewee	NOUN
fsr-3421	138	11	were	be	AUX
fsr-3421	138	12	selected	select	VERB
fsr-3421	138	13	randomly	randomly	ADV
fsr-3421	138	14	from	from	ADP
fsr-3421	138	15	financial	financial	ADJ
fsr-3421	138	16	advisors	advisor	NOUN
fsr-3421	138	17	in	in	ADP
fsr-3421	138	18	victoria	victoria	PROPN
fsr-3421	138	19	,	,	PUNCT
fsr-3421	138	20	australia	australia	PROPN
fsr-3421	138	21	,	,	PUNCT
fsr-3421	138	22	verified	verify	VERB
fsr-3421	138	23	by	by	ADP
fsr-3421	138	24	asic	asic	NOUN
fsr-3421	138	25	and	and	CCONJ
fsr-3421	138	26	contactable	contactable	VERB
fsr-3421	138	27	through	through	ADP
fsr-3421	138	28	public	public	ADJ
fsr-3421	138	29	registers	register	NOUN
fsr-3421	138	30	of	of	ADP
fsr-3421	138	31	financial	financial	ADJ
fsr-3421	138	32	advisors	advisor	NOUN
fsr-3421	138	33	,	,	PUNCT
fsr-3421	138	34	including	include	VERB
fsr-3421	138	35	the	the	DET
fsr-3421	138	36	yellow	yellow	ADJ
fsr-3421	138	37	pages	page	NOUN
fsr-3421	138	38	,	,	PUNCT
fsr-3421	138	39	the	the	DET
fsr-3421	138	40	fpa	fpa	PROPN
fsr-3421	138	41	and	and	CCONJ
fsr-3421	138	42	afa	afa	PROPN
fsr-3421	138	43	websites.3	websites.3	PROPN
fsr-3421	138	44	further	further	ADJ
fsr-3421	138	45	participants	participant	NOUN
fsr-3421	138	46	were	be	AUX
fsr-3421	138	47	then	then	ADV
fsr-3421	138	48	contacted	contact	VERB
fsr-3421	138	49	through	through	ADP
fsr-3421	138	50	referrals	referral	NOUN
fsr-3421	138	51	from	from	ADP
fsr-3421	138	52	other	other	ADJ
fsr-3421	138	53	participants	participant	NOUN
fsr-3421	138	54	.	.	PUNCT
fsr-3421	139	1	as	as	ADP
fsr-3421	139	2	such	such	ADJ
fsr-3421	139	3	,	,	PUNCT
fsr-3421	139	4	the	the	DET
fsr-3421	139	5	cohort	cohort	NOUN
fsr-3421	139	6	represents	represent	VERB
fsr-3421	139	7	financial	financial	ADJ
fsr-3421	139	8	advisors	advisor	NOUN
fsr-3421	139	9	currently	currently	ADV
fsr-3421	139	10	practicing	practice	VERB
fsr-3421	139	11	in	in	ADP
fsr-3421	139	12	the	the	DET
fsr-3421	139	13	field	field	NOUN
fsr-3421	139	14	and	and	CCONJ
fsr-3421	139	15	excludes	exclude	VERB
fsr-3421	139	16	advisors	advisor	NOUN
fsr-3421	139	17	not	not	PART
fsr-3421	139	18	currently	currently	ADV
fsr-3421	139	19	authorized	authorize	VERB
fsr-3421	139	20	by	by	ADP
fsr-3421	139	21	a	a	DET
fsr-3421	139	22	financial	financial	ADJ
fsr-3421	139	23	service	service	NOUN
fsr-3421	139	24	license	license	NOUN
fsr-3421	139	25	holder	holder	NOUN
fsr-3421	139	26	to	to	PART
fsr-3421	139	27	practice	practice	VERB
fsr-3421	139	28	.	.	PUNCT
fsr-3421	140	1	the	the	DET
fsr-3421	140	2	interviews	interview	NOUN
fsr-3421	140	3	were	be	AUX
fsr-3421	140	4	conducted	conduct	VERB
fsr-3421	140	5	in	in	ADP
fsr-3421	140	6	person	person	NOUN
fsr-3421	140	7	and	and	CCONJ
fsr-3421	140	8	the	the	DET
fsr-3421	140	9	average	average	ADJ
fsr-3421	140	10	length	length	NOUN
fsr-3421	140	11	was	be	AUX
fsr-3421	140	12	54	54	NUM
fsr-3421	140	13	minutes	minute	NOUN
fsr-3421	140	14	(	(	PUNCT
fsr-3421	140	15	mean	mean	ADJ
fsr-3421	140	16	)	)	PUNCT
fsr-3421	140	17	,	,	PUNCT
fsr-3421	140	18	ranging	range	VERB
fsr-3421	140	19	between	between	ADP
fsr-3421	140	20	33	33	NUM
fsr-3421	140	21	and	and	CCONJ
fsr-3421	140	22	79	79	NUM
fsr-3421	140	23	minutes	minute	NOUN
fsr-3421	140	24	.	.	PUNCT
fsr-3421	141	1	ethical	ethical	ADJ
fsr-3421	141	2	approval	approval	NOUN
fsr-3421	141	3	was	be	AUX
fsr-3421	141	4	obtained	obtain	VERB
fsr-3421	141	5	before	before	ADP
fsr-3421	141	6	interviews	interview	NOUN
fsr-3421	141	7	being	be	AUX
fsr-3421	141	8	conduct	conduct	NOUN
fsr-3421	141	9	and	and	CCONJ
fsr-3421	141	10	participant	participant	ADJ
fsr-3421	141	11	anonymity	anonymity	NOUN
fsr-3421	141	12	has	have	AUX
fsr-3421	141	13	been	be	AUX
fsr-3421	141	14	maintained	maintain	VERB
fsr-3421	141	15	.	.	PUNCT
fsr-3421	142	1	in	in	ADP
fsr-3421	142	2	these	these	DET
fsr-3421	142	3	interviews	interview	NOUN
fsr-3421	142	4	,	,	PUNCT
fsr-3421	142	5	open	open	ADJ
fsr-3421	142	6	-	-	PUNCT
fsr-3421	142	7	ended	end	VERB
fsr-3421	142	8	questions	question	NOUN
fsr-3421	142	9	on	on	ADP
fsr-3421	142	10	the	the	DET
fsr-3421	142	11	contextual	contextual	ADJ
fsr-3421	142	12	factors	factor	NOUN
fsr-3421	142	13	surrounding	surround	VERB
fsr-3421	142	14	financial	financial	ADJ
fsr-3421	142	15	advisors	advisor	NOUN
fsr-3421	142	16	were	be	AUX
fsr-3421	142	17	posed	pose	VERB
fsr-3421	142	18	so	so	SCONJ
fsr-3421	142	19	that	that	SCONJ
fsr-3421	142	20	respondents	respondent	NOUN
fsr-3421	142	21	could	could	AUX
fsr-3421	142	22	explain	explain	VERB
fsr-3421	142	23	how	how	SCONJ
fsr-3421	142	24	they	they	PRON
fsr-3421	142	25	perceived	perceive	VERB
fsr-3421	142	26	financial	financial	ADJ
fsr-3421	142	27	advice	advice	NOUN
fsr-3421	142	28	was	be	AUX
fsr-3421	142	29	being	be	AUX
fsr-3421	142	30	influenced	influence	VERB
fsr-3421	142	31	by	by	ADP
fsr-3421	142	32	various	various	ADJ
fsr-3421	142	33	parties	party	NOUN
fsr-3421	142	34	(	(	PUNCT
fsr-3421	142	35	see	see	VERB
fsr-3421	142	36	appendix	appendix	NOUN
fsr-3421	142	37	1	1	NUM
fsr-3421	142	38	,	,	PUNCT
fsr-3421	142	39	table	table	NOUN
fsr-3421	142	40	3	3	NUM
fsr-3421	142	41	)	)	PUNCT
fsr-3421	142	42	.	.	PUNCT
fsr-3421	143	1	business	business	NOUN
fsr-3421	143	2	models	model	NOUN
fsr-3421	143	3	of	of	ADP
fsr-3421	143	4	financial	financial	ADJ
fsr-3421	143	5	advice	advice	NOUN
fsr-3421	143	6	were	be	AUX
fsr-3421	143	7	presented	present	VERB
fsr-3421	143	8	in	in	ADP
fsr-3421	143	9	the	the	DET
fsr-3421	143	10	interview	interview	NOUN
fsr-3421	143	11	to	to	PART
fsr-3421	143	12	verify	verify	VERB
fsr-3421	143	13	their	their	PRON
fsr-3421	143	14	accuracy	accuracy	NOUN
fsr-3421	143	15	and	and	CCONJ
fsr-3421	143	16	changes	change	NOUN
fsr-3421	143	17	were	be	AUX
fsr-3421	143	18	made	make	VERB
fsr-3421	143	19	iteratively	iteratively	ADV
fsr-3421	143	20	.	.	PUNCT
fsr-3421	144	1	this	this	DET
fsr-3421	144	2	process	process	NOUN
fsr-3421	144	3	of	of	ADP
fsr-3421	144	4	beginning	begin	VERB
fsr-3421	144	5	with	with	ADP
fsr-3421	144	6	open	open	ADV
fsr-3421	144	7	-	-	PUNCT
fsr-3421	144	8	ended	end	VERB
fsr-3421	144	9	questions	question	NOUN
fsr-3421	144	10	,	,	PUNCT
fsr-3421	144	11	followed	follow	VERB
fsr-3421	144	12	by	by	ADP
fsr-3421	144	13	targeted	target	VERB
fsr-3421	144	14	d.	d.	PROPN
fsr-3421	144	15	w.	w.	PROPN
fsr-3421	144	16	richards	richards	PROPN
fsr-3421	144	17	,	,	PUNCT
fsr-3421	144	18	e.	e.	PROPN
fsr-3421	144	19	f.	f.	PROPN
fsr-3421	144	20	morton	morton	PROPN
fsr-3421	144	21	/	/	SYM
fsr-3421	144	22	financial	financial	ADJ
fsr-3421	144	23	services	service	NOUN
fsr-3421	144	24	review	review	VERB
fsr-3421	144	25	28	28	NUM
fsr-3421	144	26	(	(	PUNCT
fsr-3421	144	27	2020	2020	NUM
fsr-3421	144	28	)	)	PUNCT
fsr-3421	144	29	133–158	133–158	NUM
fsr-3421	144	30	139	139	NUM
fsr-3421	144	31	questions	question	NOUN
fsr-3421	144	32	can	can	AUX
fsr-3421	144	33	be	be	AUX
fsr-3421	144	34	described	describe	VERB
fsr-3421	144	35	as	as	ADP
fsr-3421	144	36	direct	direct	ADJ
fsr-3421	144	37	content	content	NOUN
fsr-3421	144	38	analysis	analysis	NOUN
fsr-3421	144	39	(	(	PUNCT
fsr-3421	144	40	hsieh	hsieh	PROPN
fsr-3421	144	41	&	&	CCONJ
fsr-3421	144	42	shannon	shannon	PROPN
fsr-3421	144	43	,	,	PUNCT
fsr-3421	144	44	2005	2005	NUM
fsr-3421	144	45	)	)	PUNCT
fsr-3421	144	46	.	.	PUNCT
fsr-3421	145	1	here	here	ADV
fsr-3421	145	2	,	,	PUNCT
fsr-3421	145	3	the	the	DET
fsr-3421	145	4	goal	goal	NOUN
fsr-3421	145	5	of	of	ADP
fsr-3421	145	6	the	the	DET
fsr-3421	145	7	interview	interview	NOUN
fsr-3421	145	8	process	process	NOUN
fsr-3421	145	9	is	be	AUX
fsr-3421	145	10	centered	center	VERB
fsr-3421	145	11	around	around	ADP
fsr-3421	145	12	validating	validate	VERB
fsr-3421	145	13	or	or	CCONJ
fsr-3421	145	14	extending	extend	VERB
fsr-3421	145	15	the	the	DET
fsr-3421	145	16	theoretical	theoretical	ADJ
fsr-3421	145	17	framework	framework	NOUN
fsr-3421	145	18	or	or	CCONJ
fsr-3421	145	19	theory	theory	NOUN
fsr-3421	145	20	proffered	proffer	VERB
fsr-3421	145	21	(	(	PUNCT
fsr-3421	145	22	hsieh	hsieh	PROPN
fsr-3421	145	23	&	&	CCONJ
fsr-3421	145	24	shannon	shannon	PROPN
fsr-3421	145	25	,	,	PUNCT
fsr-3421	145	26	2005	2005	NUM
fsr-3421	145	27	)	)	PUNCT
fsr-3421	145	28	.	.	PUNCT
fsr-3421	146	1	in	in	ADP
fsr-3421	146	2	particular	particular	ADJ
fsr-3421	146	3	,	,	PUNCT
fsr-3421	146	4	the	the	DET
fsr-3421	146	5	findings	finding	NOUN
fsr-3421	146	6	from	from	ADP
fsr-3421	146	7	the	the	DET
fsr-3421	146	8	interviews	interview	NOUN
fsr-3421	146	9	support	support	VERB
fsr-3421	146	10	and	and	CCONJ
fsr-3421	146	11	extend	extend	VERB
fsr-3421	146	12	the	the	DET
fsr-3421	146	13	theories	theory	NOUN
fsr-3421	146	14	developed	develop	VERB
fsr-3421	146	15	from	from	ADP
fsr-3421	146	16	the	the	DET
fsr-3421	146	17	document	document	NOUN
fsr-3421	146	18	review	review	NOUN
fsr-3421	146	19	process	process	NOUN
fsr-3421	146	20	.	.	PUNCT
fsr-3421	147	1	we	we	PRON
fsr-3421	147	2	use	use	VERB
fsr-3421	147	3	this	this	DET
fsr-3421	147	4	process	process	NOUN
fsr-3421	147	5	to	to	PART
fsr-3421	147	6	verify	verify	VERB
fsr-3421	147	7	a	a	DET
fsr-3421	147	8	general	general	ADJ
fsr-3421	147	9	model	model	NOUN
fsr-3421	147	10	of	of	ADP
fsr-3421	147	11	a	a	DET
fsr-3421	147	12	client	client	NOUN
fsr-3421	147	13	’s	’s	PART
fsr-3421	147	14	best	good	ADJ
fsr-3421	147	15	interest	interest	NOUN
fsr-3421	147	16	in	in	ADP
fsr-3421	147	17	financial	financial	ADJ
fsr-3421	147	18	advice	advice	NOUN
fsr-3421	147	19	,	,	PUNCT
fsr-3421	147	20	business	business	NOUN
fsr-3421	147	21	models	model	NOUN
fsr-3421	147	22	,	,	PUNCT
fsr-3421	147	23	and	and	CCONJ
fsr-3421	147	24	contextual	contextual	ADJ
fsr-3421	147	25	factors	factor	NOUN
fsr-3421	147	26	that	that	PRON
fsr-3421	147	27	can	can	AUX
fsr-3421	147	28	explain	explain	VERB
fsr-3421	147	29	client	client	NOUN
fsr-3421	147	30	’s	’s	PART
fsr-3421	147	31	best	good	ADJ
fsr-3421	147	32	interest	interest	NOUN
fsr-3421	147	33	practice	practice	NOUN
fsr-3421	147	34	.	.	PUNCT
fsr-3421	148	1	in	in	ADP
fsr-3421	148	2	the	the	DET
fsr-3421	148	3	final	final	ADJ
fsr-3421	148	4	phase	phase	NOUN
fsr-3421	148	5	of	of	ADP
fsr-3421	148	6	this	this	DET
fsr-3421	148	7	research	research	NOUN
fsr-3421	148	8	,	,	PUNCT
fsr-3421	148	9	triangulation	triangulation	NOUN
fsr-3421	148	10	was	be	AUX
fsr-3421	148	11	undertaken	undertake	VERB
fsr-3421	148	12	using	use	VERB
fsr-3421	148	13	the	the	DET
fsr-3421	148	14	royal	royal	ADJ
fsr-3421	148	15	commission	commission	NOUN
fsr-3421	148	16	conducted	conduct	VERB
fsr-3421	148	17	in	in	ADP
fsr-3421	148	18	australia	australia	PROPN
fsr-3421	148	19	(	(	PUNCT
fsr-3421	148	20	interim	interim	ADJ
fsr-3421	148	21	report	report	NOUN
fsr-3421	148	22	published	publish	VERB
fsr-3421	148	23	in	in	ADP
fsr-3421	148	24	2018	2018	NUM
fsr-3421	148	25	and	and	CCONJ
fsr-3421	148	26	final	final	ADJ
fsr-3421	148	27	report	report	NOUN
fsr-3421	148	28	in	in	ADP
fsr-3421	148	29	2019	2019	NUM
fsr-3421	148	30	)	)	PUNCT
fsr-3421	148	31	.	.	PUNCT
fsr-3421	149	1	these	these	DET
fsr-3421	149	2	reports	report	NOUN
fsr-3421	149	3	offered	offer	VERB
fsr-3421	149	4	new	new	ADJ
fsr-3421	149	5	insight	insight	NOUN
fsr-3421	149	6	into	into	ADP
fsr-3421	149	7	how	how	SCONJ
fsr-3421	149	8	financial	financial	ADJ
fsr-3421	149	9	advice	advice	NOUN
fsr-3421	149	10	is	be	AUX
fsr-3421	149	11	regulated	regulate	VERB
fsr-3421	149	12	and	and	CCONJ
fsr-3421	149	13	governed	govern	VERB
fsr-3421	149	14	in	in	ADP
fsr-3421	149	15	australia	australia	PROPN
fsr-3421	149	16	and	and	CCONJ
fsr-3421	149	17	,	,	PUNCT
fsr-3421	149	18	therefore	therefore	ADV
fsr-3421	149	19	,	,	PUNCT
fsr-3421	149	20	offered	offer	VERB
fsr-3421	149	21	a	a	DET
fsr-3421	149	22	third	third	ADJ
fsr-3421	149	23	source	source	NOUN
fsr-3421	149	24	of	of	ADP
fsr-3421	149	25	data	datum	NOUN
fsr-3421	149	26	for	for	ADP
fsr-3421	149	27	this	this	DET
fsr-3421	149	28	research	research	NOUN
fsr-3421	149	29	project	project	NOUN
fsr-3421	149	30	.	.	PUNCT
fsr-3421	150	1	we	we	PRON
fsr-3421	150	2	reviewed	review	VERB
fsr-3421	150	3	the	the	DET
fsr-3421	150	4	royal	royal	ADJ
fsr-3421	150	5	commission	commission	NOUN
fsr-3421	150	6	reports	report	NOUN
fsr-3421	150	7	and	and	CCONJ
fsr-3421	150	8	reconciled	reconcile	VERB
fsr-3421	150	9	their	their	PRON
fsr-3421	150	10	key	key	ADJ
fsr-3421	150	11	findings	finding	NOUN
fsr-3421	150	12	with	with	ADP
fsr-3421	150	13	the	the	DET
fsr-3421	150	14	findings	finding	NOUN
fsr-3421	150	15	of	of	ADP
fsr-3421	150	16	this	this	DET
fsr-3421	150	17	research	research	NOUN
fsr-3421	150	18	project	project	NOUN
fsr-3421	150	19	.	.	PUNCT
fsr-3421	151	1	triangulation	triangulation	NOUN
fsr-3421	151	2	strengthens	strengthen	VERB
fsr-3421	151	3	the	the	DET
fsr-3421	151	4	validity	validity	NOUN
fsr-3421	151	5	of	of	ADP
fsr-3421	151	6	the	the	DET
fsr-3421	151	7	research	research	NOUN
fsr-3421	151	8	findings	finding	NOUN
fsr-3421	151	9	and	and	CCONJ
fsr-3421	151	10	,	,	PUNCT
fsr-3421	151	11	therefore	therefore	ADV
fsr-3421	151	12	,	,	PUNCT
fsr-3421	151	13	enabled	enable	VERB
fsr-3421	151	14	the	the	DET
fsr-3421	151	15	refinement	refinement	NOUN
fsr-3421	151	16	of	of	ADP
fsr-3421	151	17	the	the	DET
fsr-3421	151	18	models	model	NOUN
fsr-3421	151	19	and	and	CCONJ
fsr-3421	151	20	framework	framework	NOUN
fsr-3421	151	21	presented	present	VERB
fsr-3421	151	22	in	in	ADP
fsr-3421	151	23	this	this	DET
fsr-3421	151	24	article	article	NOUN
fsr-3421	151	25	.	.	PUNCT
fsr-3421	152	1	4	4	X
fsr-3421	152	2	.	.	X
fsr-3421	152	3	findings	finding	VERB
fsr-3421	152	4	4.1	4.1	NUM
fsr-3421	152	5	.	.	PUNCT
fsr-3421	153	1	two	two	NUM
fsr-3421	153	2	dimensions	dimension	NOUN
fsr-3421	153	3	in	in	ADP
fsr-3421	153	4	a	a	DET
fsr-3421	153	5	client	client	NOUN
fsr-3421	153	6	’s	’s	PART
fsr-3421	153	7	best	good	ADJ
fsr-3421	153	8	interest	interest	NOUN
fsr-3421	153	9	in	in	ADP
fsr-3421	153	10	financial	financial	ADJ
fsr-3421	153	11	advice	advice	NOUN
fsr-3421	153	12	the	the	DET
fsr-3421	153	13	analysis	analysis	NOUN
fsr-3421	153	14	of	of	ADP
fsr-3421	153	15	the	the	DET
fsr-3421	153	16	government	government	NOUN
fsr-3421	153	17	inquiries	inquiry	NOUN
fsr-3421	153	18	into	into	ADP
fsr-3421	153	19	financial	financial	ADJ
fsr-3421	153	20	advice	advice	NOUN
fsr-3421	153	21	revealed	reveal	VERB
fsr-3421	153	22	two	two	NUM
fsr-3421	153	23	dimensions	dimension	NOUN
fsr-3421	153	24	underpinning	underpin	VERB
fsr-3421	153	25	the	the	DET
fsr-3421	153	26	giving	giving	NOUN
fsr-3421	153	27	of	of	ADP
fsr-3421	153	28	financial	financial	ADJ
fsr-3421	153	29	advice	advice	NOUN
fsr-3421	153	30	in	in	ADP
fsr-3421	153	31	a	a	DET
fsr-3421	153	32	client	client	NOUN
fsr-3421	153	33	’s	’s	PART
fsr-3421	153	34	best	good	ADJ
fsr-3421	153	35	interest	interest	NOUN
fsr-3421	153	36	.	.	PUNCT
fsr-3421	154	1	these	these	PRON
fsr-3421	154	2	were	be	AUX
fsr-3421	154	3	orientation	orientation	NOUN
fsr-3421	154	4	and	and	CCONJ
fsr-3421	154	5	alignment	alignment	NOUN
fsr-3421	154	6	.	.	PUNCT
fsr-3421	155	1	4.1.1	4.1.1	X
fsr-3421	155	2	.	.	PUNCT
fsr-3421	155	3	orientation	orientation	NOUN
fsr-3421	155	4	and	and	CCONJ
fsr-3421	155	5	alignment	alignment	VERB
fsr-3421	155	6	an	an	DET
fsr-3421	155	7	important	important	ADJ
fsr-3421	155	8	distinction	distinction	NOUN
fsr-3421	155	9	made	make	VERB
fsr-3421	155	10	in	in	ADP
fsr-3421	155	11	defining	define	VERB
fsr-3421	155	12	financial	financial	ADJ
fsr-3421	155	13	advice	advice	NOUN
fsr-3421	155	14	is	be	AUX
fsr-3421	155	15	between	between	ADP
fsr-3421	155	16	personal	personal	ADJ
fsr-3421	155	17	advice	advice	NOUN
fsr-3421	155	18	and	and	CCONJ
fsr-3421	155	19	general	general	ADJ
fsr-3421	155	20	advice	advice	NOUN
fsr-3421	155	21	.	.	PUNCT
fsr-3421	156	1	this	this	PRON
fsr-3421	156	2	is	be	AUX
fsr-3421	156	3	summed	sum	VERB
fsr-3421	156	4	up	up	ADP
fsr-3421	156	5	succinctly	succinctly	ADV
fsr-3421	156	6	by	by	ADP
fsr-3421	156	7	this	this	DET
fsr-3421	156	8	quote	quote	NOUN
fsr-3421	156	9	:	:	PUNCT
fsr-3421	156	10	the	the	DET
fsr-3421	156	11	corporations	corporation	NOUN
fsr-3421	156	12	act	act	VERB
fsr-3421	156	13	2001	2001	NUM
fsr-3421	156	14	defines	define	NOUN
fsr-3421	156	15	‘	'	PUNCT
fsr-3421	156	16	personal	personal	ADJ
fsr-3421	156	17	advice	advice	NOUN
fsr-3421	156	18	’	'	PUNCT
fsr-3421	156	19	in	in	ADP
fsr-3421	156	20	section	section	NOUN
fsr-3421	156	21	766b(3	766b(3	NUM
fsr-3421	156	22	)	)	PUNCT
fsr-3421	156	23	as	as	ADP
fsr-3421	156	24	financial	financial	ADJ
fsr-3421	156	25	product	product	NOUN
fsr-3421	156	26	advice	advice	NOUN
fsr-3421	156	27	given	give	VERB
fsr-3421	156	28	or	or	CCONJ
fsr-3421	156	29	directed	direct	VERB
fsr-3421	156	30	to	to	ADP
fsr-3421	156	31	a	a	DET
fsr-3421	156	32	person	person	NOUN
fsr-3421	156	33	(	(	PUNCT
fsr-3421	156	34	including	include	VERB
fsr-3421	156	35	by	by	ADP
fsr-3421	156	36	electronic	electronic	ADJ
fsr-3421	156	37	means	mean	NOUN
fsr-3421	156	38	)	)	PUNCT
fsr-3421	156	39	in	in	ADP
fsr-3421	156	40	circumstances	circumstance	NOUN
fsr-3421	156	41	where	where	SCONJ
fsr-3421	156	42	:	:	PUNCT
fsr-3421	156	43	the	the	DET
fsr-3421	156	44	person	person	NOUN
fsr-3421	156	45	giving	give	VERB
fsr-3421	156	46	the	the	DET
fsr-3421	156	47	advice	advice	NOUN
fsr-3421	156	48	has	have	AUX
fsr-3421	156	49	considered	consider	VERB
fsr-3421	156	50	one	one	NUM
fsr-3421	156	51	or	or	CCONJ
fsr-3421	156	52	more	more	ADJ
fsr-3421	156	53	of	of	ADP
fsr-3421	156	54	the	the	DET
fsr-3421	156	55	client	client	NOUN
fsr-3421	156	56	’s	’s	PART
fsr-3421	156	57	objectives	objective	NOUN
fsr-3421	156	58	,	,	PUNCT
fsr-3421	156	59	financial	financial	ADJ
fsr-3421	156	60	situation	situation	NOUN
fsr-3421	156	61	and	and	CCONJ
fsr-3421	156	62	needs	need	NOUN
fsr-3421	156	63	.	.	PUNCT
fsr-3421	156	64	.	.	PUNCT
fsr-3421	156	65	.	.	PUNCT
fsr-3421	157	1	“	"	PUNCT
fsr-3421	157	2	general	general	ADJ
fsr-3421	157	3	advice	advice	NOUN
fsr-3421	157	4	”	"	PUNCT
fsr-3421	157	5	is	be	AUX
fsr-3421	157	6	defined	define	VERB
fsr-3421	157	7	in	in	ADP
fsr-3421	157	8	section	section	NOUN
fsr-3421	157	9	766b(4	766b(4	NUM
fsr-3421	157	10	)	)	PUNCT
fsr-3421	157	11	as	as	ADP
fsr-3421	157	12	financial	financial	ADJ
fsr-3421	157	13	product	product	NOUN
fsr-3421	157	14	advice	advice	NOUN
fsr-3421	157	15	that	that	PRON
fsr-3421	157	16	is	be	AUX
fsr-3421	157	17	not	not	PART
fsr-3421	157	18	“	"	PUNCT
fsr-3421	157	19	personal	personal	ADJ
fsr-3421	157	20	advice	advice	NOUN
fsr-3421	157	21	.	.	PUNCT
fsr-3421	157	22	”	"	PUNCT
fsr-3421	158	1	(	(	PUNCT
fsr-3421	158	2	report	report	VERB
fsr-3421	158	3	3	3	NUM
fsr-3421	158	4	:	:	SYM
fsr-3421	158	5	18	18	NUM
fsr-3421	158	6	)	)	PUNCT
fsr-3421	158	7	here	here	ADV
fsr-3421	158	8	the	the	DET
fsr-3421	158	9	differentiator	differentiator	NOUN
fsr-3421	158	10	between	between	ADP
fsr-3421	158	11	personal	personal	ADJ
fsr-3421	158	12	and	and	CCONJ
fsr-3421	158	13	general	general	ADJ
fsr-3421	158	14	financial	financial	ADJ
fsr-3421	158	15	advice	advice	NOUN
fsr-3421	158	16	is	be	AUX
fsr-3421	158	17	the	the	DET
fsr-3421	158	18	information	information	NOUN
fsr-3421	158	19	that	that	SCONJ
fsr-3421	158	20	the	the	DET
fsr-3421	158	21	advice	advice	NOUN
fsr-3421	158	22	is	be	AUX
fsr-3421	158	23	based	base	VERB
fsr-3421	158	24	on	on	ADP
fsr-3421	158	25	.	.	PUNCT
fsr-3421	159	1	we	we	PRON
fsr-3421	159	2	refer	refer	VERB
fsr-3421	159	3	to	to	ADP
fsr-3421	159	4	this	this	PRON
fsr-3421	159	5	as	as	ADP
fsr-3421	159	6	orientation	orientation	NOUN
fsr-3421	159	7	and	and	CCONJ
fsr-3421	159	8	it	it	PRON
fsr-3421	159	9	is	be	AUX
fsr-3421	159	10	the	the	DET
fsr-3421	159	11	extent	extent	NOUN
fsr-3421	159	12	to	to	PART
fsr-3421	159	13	which	which	PRON
fsr-3421	159	14	a	a	DET
fsr-3421	159	15	financial	financial	ADJ
fsr-3421	159	16	advisor	advisor	NOUN
fsr-3421	159	17	is	be	AUX
fsr-3421	159	18	basing	base	VERB
fsr-3421	159	19	their	their	PRON
fsr-3421	159	20	advice	advice	NOUN
fsr-3421	159	21	on	on	ADP
fsr-3421	159	22	product	product	NOUN
fsr-3421	159	23	characteristics	characteristic	NOUN
fsr-3421	159	24	or	or	CCONJ
fsr-3421	159	25	a	a	DET
fsr-3421	159	26	client	client	NOUN
fsr-3421	159	27	’s	’s	PART
fsr-3421	159	28	characteristics	characteristic	NOUN
fsr-3421	159	29	.	.	PUNCT
fsr-3421	160	1	financial	financial	ADJ
fsr-3421	160	2	advice	advice	NOUN
fsr-3421	160	3	which	which	PRON
fsr-3421	160	4	focuses	focus	VERB
fsr-3421	160	5	on	on	ADP
fsr-3421	160	6	the	the	DET
fsr-3421	160	7	product	product	NOUN
fsr-3421	160	8	is	be	AUX
fsr-3421	160	9	conveying	convey	VERB
fsr-3421	160	10	the	the	DET
fsr-3421	160	11	essential	essential	ADJ
fsr-3421	160	12	information	information	NOUN
fsr-3421	160	13	about	about	ADP
fsr-3421	160	14	that	that	DET
fsr-3421	160	15	product	product	NOUN
fsr-3421	160	16	to	to	ADP
fsr-3421	160	17	possible	possible	ADJ
fsr-3421	160	18	users	user	NOUN
fsr-3421	160	19	of	of	ADP
fsr-3421	160	20	the	the	DET
fsr-3421	160	21	product	product	NOUN
fsr-3421	160	22	.	.	PUNCT
fsr-3421	161	1	the	the	DET
fsr-3421	161	2	basis	basis	NOUN
fsr-3421	161	3	of	of	ADP
fsr-3421	161	4	the	the	DET
fsr-3421	161	5	information	information	NOUN
fsr-3421	161	6	given	give	VERB
fsr-3421	161	7	is	be	AUX
fsr-3421	161	8	on	on	ADP
fsr-3421	161	9	the	the	DET
fsr-3421	161	10	technical	technical	ADJ
fsr-3421	161	11	details	detail	NOUN
fsr-3421	161	12	of	of	ADP
fsr-3421	161	13	the	the	DET
fsr-3421	161	14	product	product	NOUN
fsr-3421	161	15	.	.	PUNCT
fsr-3421	162	1	financial	financial	ADJ
fsr-3421	162	2	advice	advice	NOUN
fsr-3421	162	3	that	that	PRON
fsr-3421	162	4	focuses	focus	VERB
fsr-3421	162	5	on	on	ADP
fsr-3421	162	6	the	the	DET
fsr-3421	162	7	client	client	NOUN
fsr-3421	162	8	’s	’s	PART
fsr-3421	162	9	characteristics	characteristic	NOUN
fsr-3421	162	10	takes	take	VERB
fsr-3421	162	11	into	into	ADP
fsr-3421	162	12	consideration	consideration	NOUN
fsr-3421	162	13	a	a	DET
fsr-3421	162	14	client	client	NOUN
fsr-3421	162	15	’s	’s	PART
fsr-3421	162	16	financial	financial	ADJ
fsr-3421	162	17	situation	situation	NOUN
fsr-3421	162	18	,	,	PUNCT
fsr-3421	162	19	objectives	objective	NOUN
fsr-3421	162	20	and	and	CCONJ
fsr-3421	162	21	risk	risk	VERB
fsr-3421	162	22	tolerance	tolerance	NOUN
fsr-3421	162	23	to	to	PART
fsr-3421	162	24	formulate	formulate	VERB
fsr-3421	162	25	the	the	DET
fsr-3421	162	26	advice	advice	NOUN
fsr-3421	162	27	given	give	VERB
fsr-3421	162	28	.	.	PUNCT
fsr-3421	163	1	that	that	PRON
fsr-3421	163	2	is	is	ADV
fsr-3421	163	3	,	,	PUNCT
fsr-3421	163	4	the	the	DET
fsr-3421	163	5	basis	basis	NOUN
fsr-3421	163	6	of	of	ADP
fsr-3421	163	7	the	the	DET
fsr-3421	163	8	advice	advice	NOUN
fsr-3421	163	9	provided	provide	VERB
fsr-3421	163	10	is	be	AUX
fsr-3421	163	11	taken	take	VERB
fsr-3421	163	12	from	from	ADP
fsr-3421	163	13	the	the	DET
fsr-3421	163	14	client	client	NOUN
fsr-3421	163	15	’s	’s	PART
fsr-3421	163	16	situation	situation	NOUN
fsr-3421	163	17	and	and	CCONJ
fsr-3421	163	18	it	it	PRON
fsr-3421	163	19	matches	match	VERB
fsr-3421	163	20	products	product	NOUN
fsr-3421	163	21	or	or	CCONJ
fsr-3421	163	22	a	a	DET
fsr-3421	163	23	strategy	strategy	NOUN
fsr-3421	163	24	to	to	ADP
fsr-3421	163	25	their	their	PRON
fsr-3421	163	26	situation	situation	NOUN
fsr-3421	163	27	.	.	PUNCT
fsr-3421	164	1	we	we	PRON
fsr-3421	164	2	conjecture	conjecture	VERB
fsr-3421	164	3	that	that	SCONJ
fsr-3421	164	4	orientation	orientation	NOUN
fsr-3421	164	5	is	be	AUX
fsr-3421	164	6	considered	consider	VERB
fsr-3421	164	7	a	a	DET
fsr-3421	164	8	continuum	continuum	ADJ
fsr-3421	164	9	,	,	PUNCT
fsr-3421	164	10	where	where	SCONJ
fsr-3421	164	11	variability	variability	NOUN
fsr-3421	164	12	exists	exist	VERB
fsr-3421	164	13	between	between	ADP
fsr-3421	164	14	these	these	DET
fsr-3421	164	15	two	two	NUM
fsr-3421	164	16	positions	position	NOUN
fsr-3421	164	17	as	as	ADP
fsr-3421	164	18	financial	financial	ADJ
fsr-3421	164	19	advice	advice	NOUN
fsr-3421	164	20	can	can	AUX
fsr-3421	164	21	be	be	AUX
fsr-3421	164	22	more	more	ADJ
fsr-3421	164	23	productor	productor	NOUN
fsr-3421	164	24	more	more	ADJ
fsr-3421	164	25	client	client	NOUN
fsr-3421	164	26	-	-	PUNCT
fsr-3421	164	27	focused	focused	ADJ
fsr-3421	164	28	.	.	PUNCT
fsr-3421	165	1	140	140	NUM
fsr-3421	165	2	d.	d.	PROPN
fsr-3421	165	3	w.	w.	PROPN
fsr-3421	165	4	richards	richards	PROPN
fsr-3421	165	5	,	,	PUNCT
fsr-3421	165	6	e.	e.	PROPN
fsr-3421	165	7	f.	f.	PROPN
fsr-3421	165	8	morton	morton	PROPN
fsr-3421	165	9	/	/	SYM
fsr-3421	165	10	financial	financial	ADJ
fsr-3421	165	11	services	service	NOUN
fsr-3421	165	12	review	review	VERB
fsr-3421	165	13	28	28	NUM
fsr-3421	165	14	(	(	PUNCT
fsr-3421	165	15	2020	2020	NUM
fsr-3421	165	16	)	)	PUNCT
fsr-3421	165	17	133–158	133–158	NUM
fsr-3421	165	18	a	a	DET
fsr-3421	165	19	second	second	ADJ
fsr-3421	165	20	differentiator	differentiator	NOUN
fsr-3421	165	21	that	that	PRON
fsr-3421	165	22	came	come	VERB
fsr-3421	165	23	under	under	ADP
fsr-3421	165	24	scrutiny	scrutiny	NOUN
fsr-3421	165	25	in	in	ADP
fsr-3421	165	26	many	many	ADJ
fsr-3421	165	27	government	government	NOUN
fsr-3421	165	28	inquiries	inquiry	NOUN
fsr-3421	165	29	was	be	AUX
fsr-3421	165	30	whose	whose	DET
fsr-3421	165	31	interests	interest	NOUN
fsr-3421	165	32	are	be	AUX
fsr-3421	165	33	being	be	AUX
fsr-3421	165	34	served	serve	VERB
fsr-3421	165	35	.	.	PUNCT
fsr-3421	166	1	this	this	PRON
fsr-3421	166	2	can	can	AUX
fsr-3421	166	3	be	be	AUX
fsr-3421	166	4	illustrated	illustrate	VERB
fsr-3421	166	5	by	by	ADP
fsr-3421	166	6	the	the	DET
fsr-3421	166	7	following	follow	VERB
fsr-3421	166	8	quote	quote	NOUN
fsr-3421	166	9	:	:	PUNCT
fsr-3421	166	10	where	where	SCONJ
fsr-3421	166	11	an	an	DET
fsr-3421	166	12	adviser	adviser	NOUN
fsr-3421	166	13	is	be	AUX
fsr-3421	166	14	employed	employ	VERB
fsr-3421	166	15	by	by	ADP
fsr-3421	166	16	,	,	PUNCT
fsr-3421	166	17	or	or	CCONJ
fsr-3421	166	18	aligned	align	VERB
fsr-3421	166	19	with	with	ADP
fsr-3421	166	20	and	and	CCONJ
fsr-3421	166	21	acts	act	VERB
fsr-3421	166	22	on	on	ADP
fsr-3421	166	23	behalf	behalf	NOUN
fsr-3421	166	24	of	of	ADP
fsr-3421	166	25	,	,	PUNCT
fsr-3421	166	26	a	a	DET
fsr-3421	166	27	principal	principal	NOUN
fsr-3421	166	28	who	who	PRON
fsr-3421	166	29	manufactures	manufacture	VERB
fsr-3421	166	30	or	or	CCONJ
fsr-3421	166	31	sells	sell	VERB
fsr-3421	166	32	financial	financial	ADJ
fsr-3421	166	33	products	product	NOUN
fsr-3421	166	34	,	,	PUNCT
fsr-3421	166	35	the	the	DET
fsr-3421	166	36	adviser	adviser	NOUN
fsr-3421	166	37	’s	’s	PART
fsr-3421	166	38	interests	interest	NOUN
fsr-3421	166	39	(	(	PUNCT
fsr-3421	166	40	and	and	CCONJ
fsr-3421	166	41	the	the	DET
fsr-3421	166	42	principal	principal	NOUN
fsr-3421	166	43	’s	’s	PART
fsr-3421	166	44	)	)	PUNCT
fsr-3421	166	45	will	will	AUX
fsr-3421	166	46	be	be	AUX
fsr-3421	166	47	advanced	advance	VERB
fsr-3421	166	48	by	by	ADP
fsr-3421	166	49	persuading	persuade	VERB
fsr-3421	166	50	a	a	DET
fsr-3421	166	51	client	client	NOUN
fsr-3421	166	52	to	to	PART
fsr-3421	166	53	acquire	acquire	VERB
fsr-3421	166	54	one	one	NUM
fsr-3421	166	55	of	of	ADP
fsr-3421	166	56	the	the	DET
fsr-3421	166	57	principal	principal	NOUN
fsr-3421	166	58	’s	’s	PART
fsr-3421	166	59	products	product	NOUN
fsr-3421	166	60	.	.	PUNCT
fsr-3421	167	1	(	(	PUNCT
fsr-3421	167	2	report	report	NOUN
fsr-3421	167	3	2	2	NUM
fsr-3421	167	4	:	:	SYM
fsr-3421	167	5	18	18	NUM
fsr-3421	167	6	)	)	PUNCT
fsr-3421	167	7	therefore	therefore	ADV
fsr-3421	167	8	,	,	PUNCT
fsr-3421	167	9	in	in	ADP
fsr-3421	167	10	one	one	NUM
fsr-3421	167	11	extreme	extreme	NOUN
fsr-3421	167	12	a	a	DET
fsr-3421	167	13	financial	financial	ADJ
fsr-3421	167	14	advisor	advisor	NOUN
fsr-3421	167	15	will	will	AUX
fsr-3421	167	16	serve	serve	VERB
fsr-3421	167	17	the	the	DET
fsr-3421	167	18	interests	interest	NOUN
fsr-3421	167	19	of	of	ADP
fsr-3421	167	20	product	product	NOUN
fsr-3421	167	21	providers	provider	NOUN
fsr-3421	167	22	and	and	CCONJ
fsr-3421	167	23	in	in	ADP
fsr-3421	167	24	the	the	DET
fsr-3421	167	25	other	other	ADJ
fsr-3421	167	26	extreme	extreme	NOUN
fsr-3421	167	27	a	a	DET
fsr-3421	167	28	financial	financial	ADJ
fsr-3421	167	29	advisor	advisor	NOUN
fsr-3421	167	30	is	be	AUX
fsr-3421	167	31	independent	independent	ADJ
fsr-3421	167	32	of	of	ADP
fsr-3421	167	33	product	product	NOUN
fsr-3421	167	34	providers	provider	NOUN
fsr-3421	167	35	.	.	PUNCT
fsr-3421	168	1	we	we	PRON
fsr-3421	168	2	use	use	VERB
fsr-3421	168	3	the	the	DET
fsr-3421	168	4	term	term	NOUN
fsr-3421	168	5	alignment	alignment	NOUN
fsr-3421	168	6	to	to	PART
fsr-3421	168	7	represent	represent	VERB
fsr-3421	168	8	differences	difference	NOUN
fsr-3421	168	9	in	in	ADP
fsr-3421	168	10	the	the	DET
fsr-3421	168	11	relationship	relationship	NOUN
fsr-3421	168	12	between	between	ADP
fsr-3421	168	13	a	a	DET
fsr-3421	168	14	financial	financial	ADJ
fsr-3421	168	15	advisor	advisor	NOUN
fsr-3421	168	16	and	and	CCONJ
fsr-3421	168	17	a	a	DET
fsr-3421	168	18	product	product	NOUN
fsr-3421	168	19	provider	provider	NOUN
fsr-3421	168	20	.	.	PUNCT
fsr-3421	169	1	an	an	DET
fsr-3421	169	2	integral	integral	ADJ
fsr-3421	169	3	aspect	aspect	NOUN
fsr-3421	169	4	,	,	PUNCT
fsr-3421	169	5	but	but	CCONJ
fsr-3421	169	6	not	not	PART
fsr-3421	169	7	the	the	DET
fsr-3421	169	8	sole	sole	ADJ
fsr-3421	169	9	aspect	aspect	NOUN
fsr-3421	169	10	,	,	PUNCT
fsr-3421	169	11	of	of	ADP
fsr-3421	169	12	alignment	alignment	NOUN
fsr-3421	169	13	,	,	PUNCT
fsr-3421	169	14	is	be	AUX
fsr-3421	169	15	the	the	DET
fsr-3421	169	16	remuneration	remuneration	NOUN
fsr-3421	169	17	model	model	NOUN
fsr-3421	169	18	used	use	VERB
fsr-3421	169	19	to	to	PART
fsr-3421	169	20	conduct	conduct	VERB
fsr-3421	169	21	financial	financial	ADJ
fsr-3421	169	22	advice	advice	NOUN
fsr-3421	169	23	.	.	PUNCT
fsr-3421	170	1	this	this	DET
fsr-3421	170	2	perspective	perspective	NOUN
fsr-3421	170	3	is	be	AUX
fsr-3421	170	4	noted	note	VERB
fsr-3421	170	5	in	in	ADP
fsr-3421	170	6	report	report	NOUN
fsr-3421	170	7	2	2	NUM
fsr-3421	170	8	(:	(:	NOUN
fsr-3421	170	9	190	190	NUM
fsr-3421	170	10	):	):	PUNCT
fsr-3421	170	11	although	although	SCONJ
fsr-3421	170	12	the	the	DET
fsr-3421	170	13	most	most	ADV
fsr-3421	170	14	obvious	obvious	ADJ
fsr-3421	170	15	conflicts	conflict	NOUN
fsr-3421	170	16	of	of	ADP
fsr-3421	170	17	interest	interest	NOUN
fsr-3421	170	18	affecting	affect	VERB
fsr-3421	170	19	the	the	DET
fsr-3421	170	20	provision	provision	NOUN
fsr-3421	170	21	of	of	ADP
fsr-3421	170	22	financial	financial	ADJ
fsr-3421	170	23	advice	advice	NOUN
fsr-3421	170	24	are	be	AUX
fsr-3421	170	25	the	the	DET
fsr-3421	170	26	conflicts	conflict	NOUN
fsr-3421	170	27	between	between	ADP
fsr-3421	170	28	an	an	DET
fsr-3421	170	29	adviser	adviser	NOUN
fsr-3421	170	30	’s	’s	PART
fsr-3421	170	31	duty	duty	NOUN
fsr-3421	170	32	and	and	CCONJ
fsr-3421	170	33	his	his	PRON
fsr-3421	170	34	or	or	CCONJ
fsr-3421	170	35	her	her	PRON
fsr-3421	170	36	financial	financial	ADJ
fsr-3421	170	37	interests	interest	NOUN
fsr-3421	170	38	,	,	PUNCT
fsr-3421	170	39	they	they	PRON
fsr-3421	170	40	are	be	AUX
fsr-3421	170	41	not	not	PART
fsr-3421	170	42	the	the	DET
fsr-3421	170	43	only	only	ADJ
fsr-3421	170	44	conflicts	conflict	NOUN
fsr-3421	170	45	.	.	PUNCT
fsr-3421	171	1	other	other	ADJ
fsr-3421	171	2	conflicts	conflict	NOUN
fsr-3421	171	3	can	can	AUX
fsr-3421	171	4	also	also	ADV
fsr-3421	171	5	arise	arise	VERB
fsr-3421	171	6	from	from	ADP
fsr-3421	171	7	the	the	DET
fsr-3421	171	8	associations	association	NOUN
fsr-3421	171	9	or	or	CCONJ
fsr-3421	171	10	relationships	relationship	NOUN
fsr-3421	171	11	between	between	ADP
fsr-3421	171	12	a	a	DET
fsr-3421	171	13	financial	financial	ADJ
fsr-3421	171	14	adviser	adviser	NOUN
fsr-3421	171	15	and	and	CCONJ
fsr-3421	171	16	the	the	DET
fsr-3421	171	17	issuer	issuer	NOUN
fsr-3421	171	18	of	of	ADP
fsr-3421	171	19	financial	financial	ADJ
fsr-3421	171	20	products	product	NOUN
fsr-3421	171	21	.	.	PUNCT
fsr-3421	172	1	at	at	ADP
fsr-3421	172	2	one	one	NUM
fsr-3421	172	3	end	end	NOUN
fsr-3421	172	4	of	of	ADP
fsr-3421	172	5	the	the	DET
fsr-3421	172	6	alignment	alignment	NOUN
fsr-3421	172	7	continuum	continuum	PROPN
fsr-3421	172	8	,	,	PUNCT
fsr-3421	172	9	the	the	DET
fsr-3421	172	10	financial	financial	ADJ
fsr-3421	172	11	advisor	advisor	NOUN
fsr-3421	172	12	is	be	AUX
fsr-3421	172	13	fully	fully	ADV
fsr-3421	172	14	aligned	align	VERB
fsr-3421	172	15	with	with	ADP
fsr-3421	172	16	product	product	NOUN
fsr-3421	172	17	providers	provider	NOUN
fsr-3421	172	18	and	and	CCONJ
fsr-3421	172	19	the	the	DET
fsr-3421	172	20	product	product	NOUN
fsr-3421	172	21	provider	provider	NOUN
fsr-3421	172	22	is	be	AUX
fsr-3421	172	23	the	the	DET
fsr-3421	172	24	financial	financial	ADJ
fsr-3421	172	25	advisors	advisor	NOUN
fsr-3421	172	26	’	'	PUNCT
fsr-3421	172	27	sole	sole	ADJ
fsr-3421	172	28	source	source	NOUN
fsr-3421	172	29	of	of	ADP
fsr-3421	172	30	income	income	NOUN
fsr-3421	172	31	.	.	PUNCT
fsr-3421	173	1	in	in	ADP
fsr-3421	173	2	this	this	DET
fsr-3421	173	3	situation	situation	NOUN
fsr-3421	173	4	,	,	PUNCT
fsr-3421	173	5	a	a	DET
fsr-3421	173	6	financial	financial	ADJ
fsr-3421	173	7	advisor	advisor	NOUN
fsr-3421	173	8	does	do	AUX
fsr-3421	173	9	not	not	PART
fsr-3421	173	10	charge	charge	VERB
fsr-3421	173	11	a	a	DET
fsr-3421	173	12	client	client	NOUN
fsr-3421	173	13	for	for	ADP
fsr-3421	173	14	advice	advice	NOUN
fsr-3421	173	15	but	but	CCONJ
fsr-3421	173	16	receives	receive	VERB
fsr-3421	173	17	their	their	PRON
fsr-3421	173	18	income	income	NOUN
fsr-3421	173	19	from	from	ADP
fsr-3421	173	20	products	product	NOUN
fsr-3421	173	21	providers	provider	NOUN
fsr-3421	173	22	.	.	PUNCT
fsr-3421	174	1	the	the	DET
fsr-3421	174	2	other	other	ADJ
fsr-3421	174	3	extreme	extreme	NOUN
fsr-3421	174	4	is	be	AUX
fsr-3421	174	5	where	where	SCONJ
fsr-3421	174	6	the	the	DET
fsr-3421	174	7	financial	financial	ADJ
fsr-3421	174	8	advisor	advisor	NOUN
fsr-3421	174	9	is	be	AUX
fsr-3421	174	10	independent	independent	ADJ
fsr-3421	174	11	of	of	ADP
fsr-3421	174	12	product	product	NOUN
fsr-3421	174	13	providers	provider	NOUN
fsr-3421	174	14	and	and	CCONJ
fsr-3421	174	15	their	their	PRON
fsr-3421	174	16	income	income	NOUN
fsr-3421	174	17	is	be	AUX
fsr-3421	174	18	generated	generate	VERB
fsr-3421	174	19	from	from	ADP
fsr-3421	174	20	charging	charge	VERB
fsr-3421	174	21	fees	fee	NOUN
fsr-3421	174	22	to	to	ADP
fsr-3421	174	23	clients	client	NOUN
fsr-3421	174	24	,	,	PUNCT
fsr-3421	174	25	even	even	ADV
fsr-3421	174	26	at	at	ADP
fsr-3421	174	27	a	a	DET
fsr-3421	174	28	flat	flat	ADJ
fsr-3421	174	29	rate	rate	NOUN
fsr-3421	174	30	.	.	PUNCT
fsr-3421	175	1	variability	variability	NOUN
fsr-3421	175	2	exists	exist	VERB
fsr-3421	175	3	between	between	ADP
fsr-3421	175	4	these	these	DET
fsr-3421	175	5	two	two	NUM
fsr-3421	175	6	points	point	NOUN
fsr-3421	175	7	where	where	SCONJ
fsr-3421	175	8	a	a	DET
fsr-3421	175	9	financial	financial	ADJ
fsr-3421	175	10	advisor	advisor	NOUN
fsr-3421	175	11	will	will	AUX
fsr-3421	175	12	earn	earn	VERB
fsr-3421	175	13	income	income	NOUN
fsr-3421	175	14	from	from	ADP
fsr-3421	175	15	both	both	DET
fsr-3421	175	16	product	product	NOUN
fsr-3421	175	17	providers	provider	NOUN
fsr-3421	175	18	and	and	CCONJ
fsr-3421	175	19	clients	client	NOUN
fsr-3421	175	20	or	or	CCONJ
fsr-3421	175	21	may	may	AUX
fsr-3421	175	22	charge	charge	VERB
fsr-3421	175	23	fees	fee	NOUN
fsr-3421	175	24	depending	depend	VERB
fsr-3421	175	25	on	on	ADP
fsr-3421	175	26	the	the	DET
fsr-3421	175	27	value	value	NOUN
fsr-3421	175	28	of	of	ADP
fsr-3421	175	29	assets	asset	NOUN
fsr-3421	175	30	under	under	ADP
fsr-3421	175	31	management	management	NOUN
fsr-3421	175	32	.	.	PUNCT
fsr-3421	176	1	furthermore	furthermore	ADV
fsr-3421	176	2	,	,	PUNCT
fsr-3421	176	3	another	another	DET
fsr-3421	176	4	influence	influence	NOUN
fsr-3421	176	5	on	on	ADP
fsr-3421	176	6	alignment	alignment	NOUN
fsr-3421	176	7	is	be	AUX
fsr-3421	176	8	the	the	DET
fsr-3421	176	9	business	business	NOUN
fsr-3421	176	10	model	model	NOUN
fsr-3421	176	11	(	(	PUNCT
fsr-3421	176	12	reviewed	review	VERB
fsr-3421	176	13	in	in	ADP
fsr-3421	176	14	section	section	NOUN
fsr-3421	176	15	4.2	4.2	NUM
fsr-3421	176	16	)	)	PUNCT
fsr-3421	176	17	used	use	VERB
fsr-3421	176	18	to	to	PART
fsr-3421	176	19	provide	provide	VERB
fsr-3421	176	20	financial	financial	ADJ
fsr-3421	176	21	advice	advice	NOUN
fsr-3421	176	22	,	,	PUNCT
fsr-3421	176	23	as	as	SCONJ
fsr-3421	176	24	this	this	PRON
fsr-3421	176	25	engenders	engender	VERB
fsr-3421	176	26	a	a	DET
fsr-3421	176	27	close	close	ADJ
fsr-3421	176	28	alignment	alignment	NOUN
fsr-3421	176	29	with	with	ADP
fsr-3421	176	30	,	,	PUNCT
fsr-3421	176	31	or	or	CCONJ
fsr-3421	176	32	independence	independence	NOUN
fsr-3421	176	33	from	from	ADP
fsr-3421	176	34	,	,	PUNCT
fsr-3421	176	35	financial	financial	ADJ
fsr-3421	176	36	product	product	NOUN
fsr-3421	176	37	providers	provider	NOUN
fsr-3421	176	38	.	.	PUNCT
fsr-3421	177	1	4.1.2	4.1.2	X
fsr-3421	177	2	.	.	PUNCT
fsr-3421	177	3	a	a	DET
fsr-3421	177	4	general	general	ADJ
fsr-3421	177	5	model	model	NOUN
fsr-3421	177	6	of	of	ADP
fsr-3421	177	7	a	a	DET
fsr-3421	177	8	client	client	NOUN
fsr-3421	177	9	’s	’s	PART
fsr-3421	177	10	best	good	ADJ
fsr-3421	177	11	interest	interest	NOUN
fsr-3421	177	12	in	in	ADP
fsr-3421	177	13	financial	financial	ADJ
fsr-3421	177	14	advice	advice	NOUN
fsr-3421	177	15	in	in	ADP
fsr-3421	177	16	the	the	DET
fsr-3421	177	17	government	government	NOUN
fsr-3421	177	18	inquiries	inquirie	VERB
fsr-3421	177	19	these	these	DET
fsr-3421	177	20	two	two	NUM
fsr-3421	177	21	dimensions	dimension	NOUN
fsr-3421	177	22	of	of	ADP
fsr-3421	177	23	financial	financial	ADJ
fsr-3421	177	24	advice	advice	NOUN
fsr-3421	177	25	are	be	AUX
fsr-3421	177	26	conflated	conflate	VERB
fsr-3421	177	27	as	as	ADP
fsr-3421	177	28	being	be	AUX
fsr-3421	177	29	one	one	NUM
fsr-3421	177	30	dimension	dimension	NOUN
fsr-3421	177	31	.	.	PUNCT
fsr-3421	178	1	for	for	ADP
fsr-3421	178	2	example	example	NOUN
fsr-3421	178	3	,	,	PUNCT
fsr-3421	178	4	report	report	VERB
fsr-3421	178	5	3	3	NUM
fsr-3421	178	6	proposes	propose	VERB
fsr-3421	178	7	to	to	PART
fsr-3421	178	8	rename	rename	VERB
fsr-3421	178	9	general	general	ADJ
fsr-3421	178	10	financial	financial	ADJ
fsr-3421	178	11	advice	advice	NOUN
fsr-3421	178	12	as	as	ADP
fsr-3421	178	13	sales	sale	NOUN
fsr-3421	178	14	or	or	CCONJ
fsr-3421	178	15	product	product	NOUN
fsr-3421	178	16	information	information	NOUN
fsr-3421	178	17	to	to	PART
fsr-3421	178	18	resolve	resolve	VERB
fsr-3421	178	19	misleading	misleading	ADJ
fsr-3421	178	20	representation	representation	NOUN
fsr-3421	178	21	and	and	CCONJ
fsr-3421	178	22	conflicts	conflict	NOUN
fsr-3421	178	23	of	of	ADP
fsr-3421	178	24	interest	interest	NOUN
fsr-3421	178	25	.	.	PUNCT
fsr-3421	179	1	however	however	ADV
fsr-3421	179	2	,	,	PUNCT
fsr-3421	179	3	our	our	PRON
fsr-3421	179	4	research	research	NOUN
fsr-3421	179	5	finds	find	VERB
fsr-3421	179	6	that	that	SCONJ
fsr-3421	179	7	structural	structural	ADJ
fsr-3421	179	8	issues	issue	NOUN
fsr-3421	179	9	run	run	VERB
fsr-3421	179	10	deep	deep	ADV
fsr-3421	179	11	,	,	PUNCT
fsr-3421	179	12	as	as	SCONJ
fsr-3421	179	13	illustrated	illustrate	VERB
fsr-3421	179	14	by	by	ADP
fsr-3421	179	15	the	the	DET
fsr-3421	179	16	following	follow	VERB
fsr-3421	179	17	quote	quote	NOUN
fsr-3421	179	18	:	:	PUNCT
fsr-3421	179	19	the	the	DET
fsr-3421	179	20	industry	industry	NOUN
fsr-3421	179	21	is	be	AUX
fsr-3421	179	22	still	still	ADV
fsr-3421	179	23	structurally	structurally	ADV
fsr-3421	179	24	broken	break	VERB
fsr-3421	179	25	because	because	SCONJ
fsr-3421	179	26	.	.	PUNCT
fsr-3421	179	27	.	.	PUNCT
fsr-3421	179	28	.	.	PUNCT
fsr-3421	180	1	the	the	DET
fsr-3421	180	2	industry	industry	NOUN
fsr-3421	180	3	was	be	AUX
fsr-3421	180	4	born	bear	VERB
fsr-3421	180	5	out	out	ADP
fsr-3421	180	6	of	of	ADP
fsr-3421	180	7	product	product	NOUN
fsr-3421	180	8	providers	provider	NOUN
fsr-3421	180	9	wanting	want	VERB
fsr-3421	180	10	to	to	PART
fsr-3421	180	11	distribute	distribute	VERB
fsr-3421	180	12	their	their	PRON
fsr-3421	180	13	product	product	NOUN
fsr-3421	180	14	,	,	PUNCT
fsr-3421	180	15	(	(	PUNCT
fsr-3421	180	16	and	and	CCONJ
fsr-3421	180	17	)	)	PUNCT
fsr-3421	180	18	financial	financial	ADJ
fsr-3421	180	19	planners	planner	NOUN
fsr-3421	180	20	were	be	AUX
fsr-3421	180	21	merely	merely	ADV
fsr-3421	180	22	just	just	ADV
fsr-3421	180	23	.	.	PUNCT
fsr-3421	180	24	.	.	PUNCT
fsr-3421	180	25	.	.	PUNCT
fsr-3421	181	1	a	a	DET
fsr-3421	181	2	part	part	NOUN
fsr-3421	181	3	of	of	ADP
fsr-3421	181	4	the	the	DET
fsr-3421	181	5	distribution	distribution	NOUN
fsr-3421	181	6	arm	arm	NOUN
fsr-3421	181	7	.	.	PUNCT
fsr-3421	182	1	(	(	PUNCT
fsr-3421	182	2	participant	participant	NOUN
fsr-3421	182	3	2	2	NUM
fsr-3421	182	4	)	)	PUNCT
fsr-3421	182	5	an	an	DET
fsr-3421	182	6	improved	improved	ADJ
fsr-3421	182	7	model	model	NOUN
fsr-3421	182	8	is	be	AUX
fsr-3421	182	9	needed	need	VERB
fsr-3421	182	10	to	to	PART
fsr-3421	182	11	conceptualize	conceptualize	VERB
fsr-3421	182	12	how	how	SCONJ
fsr-3421	182	13	financial	financial	ADJ
fsr-3421	182	14	advice	advice	NOUN
fsr-3421	182	15	is	be	AUX
fsr-3421	182	16	provided	provide	VERB
fsr-3421	182	17	in	in	ADP
fsr-3421	182	18	a	a	DET
fsr-3421	182	19	client	client	NOUN
fsr-3421	182	20	’s	’s	PART
fsr-3421	182	21	best	good	ADJ
fsr-3421	182	22	interest	interest	NOUN
fsr-3421	182	23	.	.	PUNCT
fsr-3421	183	1	we	we	PRON
fsr-3421	183	2	propose	propose	VERB
fsr-3421	183	3	the	the	DET
fsr-3421	183	4	dimensions	dimension	NOUN
fsr-3421	183	5	should	should	AUX
fsr-3421	183	6	be	be	AUX
fsr-3421	183	7	intersected	intersect	VERB
fsr-3421	183	8	to	to	PART
fsr-3421	183	9	construct	construct	VERB
fsr-3421	183	10	a	a	DET
fsr-3421	183	11	general	general	ADJ
fsr-3421	183	12	model	model	NOUN
fsr-3421	183	13	of	of	ADP
fsr-3421	183	14	a	a	DET
fsr-3421	183	15	client	client	NOUN
fsr-3421	183	16	’s	’s	PART
fsr-3421	183	17	best	good	ADJ
fsr-3421	183	18	interest	interest	NOUN
fsr-3421	183	19	in	in	ADP
fsr-3421	183	20	financial	financial	ADJ
fsr-3421	183	21	advice	advice	NOUN
fsr-3421	183	22	.	.	PUNCT
fsr-3421	184	1	fig	fig	NOUN
fsr-3421	184	2	.	.	PUNCT
fsr-3421	185	1	1	1	NUM
fsr-3421	185	2	presents	present	VERB
fsr-3421	185	3	a	a	DET
fsr-3421	185	4	graphic	graphic	ADJ
fsr-3421	185	5	form	form	NOUN
fsr-3421	185	6	of	of	ADP
fsr-3421	185	7	this	this	DET
fsr-3421	185	8	model	model	NOUN
fsr-3421	185	9	.	.	PUNCT
fsr-3421	186	1	these	these	DET
fsr-3421	186	2	intersecting	intersecting	ADJ
fsr-3421	186	3	dimensions	dimension	NOUN
fsr-3421	186	4	lead	lead	VERB
fsr-3421	186	5	to	to	ADP
fsr-3421	186	6	four	four	NUM
fsr-3421	186	7	categories	category	NOUN
fsr-3421	186	8	of	of	ADP
fsr-3421	186	9	financial	financial	ADJ
fsr-3421	186	10	advice	advice	NOUN
fsr-3421	186	11	we	we	PRON
fsr-3421	186	12	term	term	VERB
fsr-3421	186	13	:	:	PUNCT
fsr-3421	186	14	brokers	broker	NOUN
fsr-3421	186	15	,	,	PUNCT
fsr-3421	186	16	agents	agent	NOUN
fsr-3421	186	17	,	,	PUNCT
fsr-3421	186	18	advisors	advisor	NOUN
fsr-3421	186	19	,	,	PUNCT
fsr-3421	186	20	and	and	CCONJ
fsr-3421	186	21	best	good	ADJ
fsr-3421	186	22	interest	interest	NOUN
fsr-3421	186	23	advisors	advisor	NOUN
fsr-3421	186	24	(	(	PUNCT
fsr-3421	186	25	bias	bias	NOUN
fsr-3421	186	26	)	)	PUNCT
fsr-3421	186	27	.	.	PUNCT
fsr-3421	187	1	using	use	VERB
fsr-3421	187	2	this	this	DET
fsr-3421	187	3	model	model	NOUN
fsr-3421	187	4	,	,	PUNCT
fsr-3421	187	5	it	it	PRON
fsr-3421	187	6	is	be	AUX
fsr-3421	187	7	possible	possible	ADJ
fsr-3421	187	8	to	to	PART
fsr-3421	187	9	classify	classify	VERB
fsr-3421	187	10	occupations	occupation	NOUN
fsr-3421	187	11	that	that	PRON
fsr-3421	187	12	provide	provide	VERB
fsr-3421	187	13	financial	financial	ADJ
fsr-3421	187	14	advice	advice	NOUN
fsr-3421	187	15	and	and	CCONJ
fsr-3421	187	16	the	the	DET
fsr-3421	187	17	extent	extent	NOUN
fsr-3421	187	18	to	to	PART
fsr-3421	187	19	which	which	PRON
fsr-3421	187	20	they	they	PRON
fsr-3421	187	21	can	can	AUX
fsr-3421	187	22	achieve	achieve	VERB
fsr-3421	187	23	client	client	NOUN
fsr-3421	187	24	’s	’s	PART
fsr-3421	187	25	best	good	ADJ
fsr-3421	187	26	interest	interest	NOUN
fsr-3421	187	27	practice	practice	NOUN
fsr-3421	187	28	.	.	PUNCT
fsr-3421	188	1	d.	d.	PROPN
fsr-3421	188	2	w.	w.	PROPN
fsr-3421	188	3	richards	richards	PROPN
fsr-3421	188	4	,	,	PUNCT
fsr-3421	188	5	e.	e.	PROPN
fsr-3421	188	6	f.	f.	PROPN
fsr-3421	188	7	morton	morton	PROPN
fsr-3421	188	8	/	/	SYM
fsr-3421	188	9	financial	financial	ADJ
fsr-3421	188	10	services	service	NOUN
fsr-3421	188	11	review	review	VERB
fsr-3421	188	12	28	28	NUM
fsr-3421	188	13	(	(	PUNCT
fsr-3421	188	14	2020	2020	NUM
fsr-3421	188	15	)	)	PUNCT
fsr-3421	188	16	133–158	133–158	NUM
fsr-3421	188	17	141	141	NUM
fsr-3421	188	18	brokers	broker	NOUN
fsr-3421	188	19	refer	refer	VERB
fsr-3421	188	20	to	to	ADP
fsr-3421	188	21	those	those	DET
fsr-3421	188	22	financial	financial	ADJ
fsr-3421	188	23	professions	profession	NOUN
fsr-3421	188	24	where	where	SCONJ
fsr-3421	188	25	alignment	alignment	NOUN
fsr-3421	188	26	is	be	AUX
fsr-3421	188	27	independent	independent	ADJ
fsr-3421	188	28	of	of	ADP
fsr-3421	188	29	product	product	NOUN
fsr-3421	188	30	providers	provider	NOUN
fsr-3421	188	31	and	and	CCONJ
fsr-3421	188	32	the	the	DET
fsr-3421	188	33	information	information	NOUN
fsr-3421	188	34	provided	provide	VERB
fsr-3421	188	35	is	be	AUX
fsr-3421	188	36	specifically	specifically	ADV
fsr-3421	188	37	product	product	NOUN
fsr-3421	188	38	advice	advice	NOUN
fsr-3421	188	39	.	.	PUNCT
fsr-3421	189	1	an	an	DET
fsr-3421	189	2	example	example	NOUN
fsr-3421	189	3	of	of	ADP
fsr-3421	189	4	this	this	PRON
fsr-3421	189	5	is	be	AUX
fsr-3421	189	6	a	a	DET
fsr-3421	189	7	stockbroker	stockbroker	NOUN
fsr-3421	189	8	.	.	PUNCT
fsr-3421	190	1	a	a	DET
fsr-3421	190	2	stockbroker	stockbroker	NOUN
fsr-3421	190	3	provides	provide	VERB
fsr-3421	190	4	information	information	NOUN
fsr-3421	190	5	about	about	ADP
fsr-3421	190	6	stocks	stock	NOUN
fsr-3421	190	7	to	to	ADP
fsr-3421	190	8	clients	client	NOUN
fsr-3421	190	9	;	;	PUNCT
fsr-3421	190	10	however	however	ADV
fsr-3421	190	11	,	,	PUNCT
fsr-3421	190	12	is	be	AUX
fsr-3421	190	13	independent	independent	ADJ
fsr-3421	190	14	of	of	ADP
fsr-3421	190	15	the	the	DET
fsr-3421	190	16	stocks	stock	NOUN
fsr-3421	190	17	being	be	AUX
fsr-3421	190	18	recommended	recommend	VERB
fsr-3421	190	19	.	.	PUNCT
fsr-3421	191	1	brokers	broker	NOUN
fsr-3421	191	2	will	will	AUX
fsr-3421	191	3	have	have	VERB
fsr-3421	191	4	remuneration	remuneration	NOUN
fsr-3421	191	5	models	model	NOUN
fsr-3421	191	6	that	that	PRON
fsr-3421	191	7	are	be	AUX
fsr-3421	191	8	separate	separate	ADJ
fsr-3421	191	9	from	from	ADP
fsr-3421	191	10	product	product	NOUN
fsr-3421	191	11	providers	provider	NOUN
fsr-3421	191	12	,	,	PUNCT
fsr-3421	191	13	such	such	ADJ
fsr-3421	191	14	as	as	ADP
fsr-3421	191	15	charging	charge	VERB
fsr-3421	191	16	commissions	commission	NOUN
fsr-3421	191	17	to	to	ADP
fsr-3421	191	18	clients	client	NOUN
fsr-3421	191	19	for	for	ADP
fsr-3421	191	20	each	each	DET
fsr-3421	191	21	transaction	transaction	NOUN
fsr-3421	191	22	.	.	PUNCT
fsr-3421	192	1	one	one	NUM
fsr-3421	192	2	of	of	ADP
fsr-3421	192	3	the	the	DET
fsr-3421	192	4	impediments	impediment	NOUN
fsr-3421	192	5	to	to	ADP
fsr-3421	192	6	stockbrokers	stockbroker	NOUN
fsr-3421	192	7	achieving	achieve	VERB
fsr-3421	192	8	best	good	ADJ
fsr-3421	192	9	interest	interest	NOUN
fsr-3421	192	10	practices	practice	NOUN
fsr-3421	192	11	is	be	AUX
fsr-3421	192	12	its	its	PRON
fsr-3421	192	13	orientation	orientation	NOUN
fsr-3421	192	14	towards	towards	ADP
fsr-3421	192	15	product	product	NOUN
fsr-3421	192	16	(	(	PUNCT
fsr-3421	192	17	stock	stock	NOUN
fsr-3421	192	18	)	)	PUNCT
fsr-3421	192	19	based	base	VERB
fsr-3421	192	20	information	information	NOUN
fsr-3421	192	21	.	.	PUNCT
fsr-3421	193	1	agents	agent	NOUN
fsr-3421	193	2	refer	refer	VERB
fsr-3421	193	3	to	to	ADP
fsr-3421	193	4	those	those	PRON
fsr-3421	193	5	providing	provide	VERB
fsr-3421	193	6	financial	financial	ADJ
fsr-3421	193	7	advice	advice	NOUN
fsr-3421	193	8	that	that	PRON
fsr-3421	193	9	is	be	AUX
fsr-3421	193	10	product	product	NOUN
fsr-3421	193	11	based	base	VERB
fsr-3421	193	12	and	and	CCONJ
fsr-3421	193	13	connected	connect	VERB
fsr-3421	193	14	to	to	ADP
fsr-3421	193	15	the	the	DET
fsr-3421	193	16	product	product	NOUN
fsr-3421	193	17	provider	provider	NOUN
fsr-3421	193	18	.	.	PUNCT
fsr-3421	194	1	an	an	DET
fsr-3421	194	2	example	example	NOUN
fsr-3421	194	3	is	be	AUX
fsr-3421	194	4	a	a	DET
fsr-3421	194	5	real	real	ADJ
fsr-3421	194	6	estate	estate	NOUN
fsr-3421	194	7	agent	agent	NOUN
fsr-3421	194	8	selling	sell	VERB
fsr-3421	194	9	investment	investment	NOUN
fsr-3421	194	10	opportunities	opportunity	NOUN
fsr-3421	194	11	.	.	PUNCT
fsr-3421	195	1	these	these	DET
fsr-3421	195	2	agents	agent	NOUN
fsr-3421	195	3	give	give	VERB
fsr-3421	195	4	specific	specific	ADJ
fsr-3421	195	5	information	information	NOUN
fsr-3421	195	6	on	on	ADP
fsr-3421	195	7	a	a	DET
fsr-3421	195	8	product	product	NOUN
fsr-3421	195	9	(	(	PUNCT
fsr-3421	195	10	real	real	ADJ
fsr-3421	195	11	estate	estate	NOUN
fsr-3421	195	12	)	)	PUNCT
fsr-3421	195	13	that	that	PRON
fsr-3421	195	14	is	be	AUX
fsr-3421	195	15	not	not	PART
fsr-3421	195	16	based	base	VERB
fsr-3421	195	17	on	on	ADP
fsr-3421	195	18	a	a	DET
fsr-3421	195	19	client	client	NOUN
fsr-3421	195	20	’s	’s	PART
fsr-3421	195	21	circumstances	circumstance	NOUN
fsr-3421	195	22	.	.	PUNCT
fsr-3421	196	1	the	the	DET
fsr-3421	196	2	agent	agent	NOUN
fsr-3421	196	3	receives	receive	VERB
fsr-3421	196	4	remuneration	remuneration	NOUN
fsr-3421	196	5	from	from	ADP
fsr-3421	196	6	the	the	DET
fsr-3421	196	7	product	product	NOUN
fsr-3421	196	8	provider	provider	NOUN
fsr-3421	196	9	,	,	PUNCT
fsr-3421	196	10	often	often	ADV
fsr-3421	196	11	when	when	SCONJ
fsr-3421	196	12	a	a	DET
fsr-3421	196	13	transaction	transaction	NOUN
fsr-3421	196	14	has	have	AUX
fsr-3421	196	15	been	be	AUX
fsr-3421	196	16	completed	complete	VERB
fsr-3421	196	17	.	.	PUNCT
fsr-3421	197	1	a	a	DET
fsr-3421	197	2	real	real	ADJ
fsr-3421	197	3	estate	estate	NOUN
fsr-3421	197	4	agent	agent	NOUN
fsr-3421	197	5	is	be	AUX
fsr-3421	197	6	far	far	ADV
fsr-3421	197	7	from	from	ADP
fsr-3421	197	8	achieving	achieve	VERB
fsr-3421	197	9	client	client	NOUN
fsr-3421	197	10	’s	’s	PART
fsr-3421	197	11	best	good	ADJ
fsr-3421	197	12	interest	interest	NOUN
fsr-3421	197	13	practice	practice	NOUN
fsr-3421	197	14	as	as	SCONJ
fsr-3421	197	15	their	their	PRON
fsr-3421	197	16	alignment	alignment	NOUN
fsr-3421	197	17	is	be	AUX
fsr-3421	197	18	specifically	specifically	ADV
fsr-3421	197	19	with	with	ADP
fsr-3421	197	20	the	the	DET
fsr-3421	197	21	product	product	NOUN
fsr-3421	197	22	provider	provider	NOUN
fsr-3421	197	23	(	(	PUNCT
fsr-3421	197	24	seller	seller	NOUN
fsr-3421	197	25	of	of	ADP
fsr-3421	197	26	the	the	DET
fsr-3421	197	27	property	property	NOUN
fsr-3421	197	28	)	)	PUNCT
fsr-3421	197	29	and	and	CCONJ
fsr-3421	197	30	orientation	orientation	NOUN
fsr-3421	197	31	is	be	AUX
fsr-3421	197	32	focused	focus	VERB
fsr-3421	197	33	on	on	ADP
fsr-3421	197	34	the	the	DET
fsr-3421	197	35	product	product	NOUN
fsr-3421	197	36	.	.	PUNCT
fsr-3421	198	1	an	an	DET
fsr-3421	198	2	antithesis	antithesis	NOUN
fsr-3421	198	3	example	example	NOUN
fsr-3421	198	4	in	in	ADP
fsr-3421	198	5	real	real	ADJ
fsr-3421	198	6	estate	estate	NOUN
fsr-3421	198	7	is	be	AUX
fsr-3421	198	8	a	a	DET
fsr-3421	198	9	buyer	buyer	NOUN
fsr-3421	198	10	’s	’s	PART
fsr-3421	198	11	advocate	advocate	NOUN
fsr-3421	198	12	who	who	PRON
fsr-3421	198	13	focuses	focus	VERB
fsr-3421	198	14	specifically	specifically	ADV
fsr-3421	198	15	on	on	ADP
fsr-3421	198	16	their	their	PRON
fsr-3421	198	17	clients	client	NOUN
fsr-3421	198	18	’	'	PUNCT
fsr-3421	198	19	needs	need	NOUN
fsr-3421	198	20	and	and	CCONJ
fsr-3421	198	21	has	have	VERB
fsr-3421	198	22	no	no	DET
fsr-3421	198	23	orientation	orientation	NOUN
fsr-3421	198	24	towards	towards	ADP
fsr-3421	198	25	a	a	DET
fsr-3421	198	26	product	product	NOUN
fsr-3421	198	27	provider	provider	NOUN
fsr-3421	198	28	,	,	PUNCT
fsr-3421	198	29	because	because	SCONJ
fsr-3421	198	30	they	they	PRON
fsr-3421	198	31	will	will	AUX
fsr-3421	198	32	source	source	VERB
fsr-3421	198	33	multiple	multiple	ADJ
fsr-3421	198	34	products	product	NOUN
fsr-3421	198	35	.	.	PUNCT
fsr-3421	199	1	advisors	advisor	NOUN
fsr-3421	199	2	are	be	AUX
fsr-3421	199	3	those	those	PRON
fsr-3421	199	4	offering	offer	VERB
fsr-3421	199	5	personal	personal	ADJ
fsr-3421	199	6	advice	advice	NOUN
fsr-3421	199	7	to	to	ADP
fsr-3421	199	8	clients	client	NOUN
fsr-3421	199	9	and	and	CCONJ
fsr-3421	199	10	are	be	AUX
fsr-3421	199	11	aligned	align	VERB
fsr-3421	199	12	with	with	ADP
fsr-3421	199	13	product	product	NOUN
fsr-3421	199	14	providers	provider	NOUN
fsr-3421	199	15	.	.	PUNCT
fsr-3421	200	1	an	an	DET
fsr-3421	200	2	example	example	NOUN
fsr-3421	200	3	is	be	AUX
fsr-3421	200	4	a	a	DET
fsr-3421	200	5	financial	financial	ADJ
fsr-3421	200	6	planner	planner	NOUN
fsr-3421	200	7	working	work	VERB
fsr-3421	200	8	for	for	ADP
fsr-3421	200	9	a	a	DET
fsr-3421	200	10	large	large	ADJ
fsr-3421	200	11	financial	financial	ADJ
fsr-3421	200	12	institution	institution	NOUN
fsr-3421	200	13	.	.	PUNCT
fsr-3421	201	1	in	in	ADP
fsr-3421	201	2	this	this	DET
fsr-3421	201	3	position	position	NOUN
fsr-3421	201	4	,	,	PUNCT
fsr-3421	201	5	they	they	PRON
fsr-3421	201	6	offer	offer	VERB
fsr-3421	201	7	personal	personal	ADJ
fsr-3421	201	8	advice	advice	NOUN
fsr-3421	201	9	to	to	ADP
fsr-3421	201	10	clients	client	NOUN
fsr-3421	201	11	as	as	SCONJ
fsr-3421	201	12	they	they	PRON
fsr-3421	201	13	ascertain	ascertain	VERB
fsr-3421	201	14	a	a	DET
fsr-3421	201	15	client	client	NOUN
fsr-3421	201	16	’s	’s	PART
fsr-3421	201	17	situation	situation	NOUN
fsr-3421	201	18	,	,	PUNCT
fsr-3421	201	19	objectives	objective	NOUN
fsr-3421	201	20	,	,	PUNCT
fsr-3421	201	21	and	and	CCONJ
fsr-3421	201	22	risk	risk	NOUN
fsr-3421	201	23	profile	profile	NOUN
fsr-3421	201	24	to	to	PART
fsr-3421	201	25	create	create	VERB
fsr-3421	201	26	their	their	PRON
fsr-3421	201	27	advice	advice	NOUN
fsr-3421	201	28	.	.	PUNCT
fsr-3421	202	1	however	however	ADV
fsr-3421	202	2	,	,	PUNCT
fsr-3421	202	3	the	the	DET
fsr-3421	202	4	financial	financial	ADJ
fsr-3421	202	5	advisor	advisor	NOUN
fsr-3421	202	6	is	be	AUX
fsr-3421	202	7	being	be	AUX
fsr-3421	202	8	remunerated	remunerate	VERB
fsr-3421	202	9	and	and	CCONJ
fsr-3421	202	10	is	be	AUX
fsr-3421	202	11	environmentally	environmentally	ADV
fsr-3421	202	12	constrained	constrain	VERB
fsr-3421	202	13	by	by	ADP
fsr-3421	202	14	the	the	DET
fsr-3421	202	15	financial	financial	ADJ
fsr-3421	202	16	institution	institution	NOUN
fsr-3421	202	17	.	.	PUNCT
fsr-3421	203	1	thus	thus	ADV
fsr-3421	203	2	,	,	PUNCT
fsr-3421	203	3	their	their	PRON
fsr-3421	203	4	recommendations	recommendation	NOUN
fsr-3421	203	5	will	will	AUX
fsr-3421	203	6	be	be	AUX
fsr-3421	203	7	mostly	mostly	ADV
fsr-3421	203	8	products	product	NOUN
fsr-3421	203	9	within	within	ADP
fsr-3421	203	10	the	the	DET
fsr-3421	203	11	range	range	NOUN
fsr-3421	203	12	of	of	ADP
fsr-3421	203	13	products	product	NOUN
fsr-3421	203	14	that	that	PRON
fsr-3421	203	15	their	their	PRON
fsr-3421	203	16	financial	financial	ADJ
fsr-3421	203	17	institution	institution	NOUN
fsr-3421	203	18	controls	control	NOUN
fsr-3421	203	19	.	.	PUNCT
fsr-3421	204	1	advisors	advisor	NOUN
fsr-3421	204	2	have	have	VERB
fsr-3421	204	3	high	high	ADJ
fsr-3421	204	4	conflicts	conflict	NOUN
fsr-3421	204	5	of	of	ADP
fsr-3421	204	6	interest	interest	NOUN
fsr-3421	204	7	as	as	SCONJ
fsr-3421	204	8	they	they	PRON
fsr-3421	204	9	must	must	AUX
fsr-3421	204	10	serve	serve	VERB
fsr-3421	204	11	the	the	DET
fsr-3421	204	12	product	product	NOUN
fsr-3421	204	13	provider	provider	NOUN
fsr-3421	204	14	’s	’s	PART
fsr-3421	204	15	interests	interest	NOUN
fsr-3421	204	16	and	and	CCONJ
fsr-3421	204	17	attend	attend	VERB
fsr-3421	204	18	to	to	ADP
fsr-3421	204	19	a	a	DET
fsr-3421	204	20	client	client	NOUN
fsr-3421	204	21	’s	’s	PART
fsr-3421	204	22	needs	need	NOUN
fsr-3421	204	23	.	.	PUNCT
fsr-3421	205	1	lastly	lastly	ADV
fsr-3421	205	2	,	,	PUNCT
fsr-3421	205	3	the	the	DET
fsr-3421	205	4	bias	bias	NOUN
fsr-3421	205	5	,	,	PUNCT
fsr-3421	205	6	like	like	ADP
fsr-3421	205	7	a	a	DET
fsr-3421	205	8	broker	broker	NOUN
fsr-3421	205	9	,	,	PUNCT
fsr-3421	205	10	is	be	AUX
fsr-3421	205	11	independent	independent	ADJ
fsr-3421	205	12	of	of	ADP
fsr-3421	205	13	product	product	NOUN
fsr-3421	205	14	providers	provider	NOUN
fsr-3421	205	15	but	but	CCONJ
fsr-3421	205	16	offers	offer	VERB
fsr-3421	205	17	personal	personal	ADJ
fsr-3421	205	18	advice	advice	NOUN
fsr-3421	205	19	matched	match	VERB
fsr-3421	205	20	to	to	ADP
fsr-3421	205	21	a	a	DET
fsr-3421	205	22	client	client	NOUN
fsr-3421	205	23	’s	’s	PART
fsr-3421	205	24	needs	need	NOUN
fsr-3421	205	25	.	.	PUNCT
fsr-3421	206	1	an	an	DET
fsr-3421	206	2	example	example	NOUN
fsr-3421	206	3	of	of	ADP
fsr-3421	206	4	a	a	DET
fsr-3421	206	5	bia	bia	NOUN
fsr-3421	206	6	would	would	AUX
fsr-3421	206	7	be	be	AUX
fsr-3421	206	8	an	an	DET
fsr-3421	206	9	independent	independent	ADJ
fsr-3421	206	10	financial	financial	ADJ
fsr-3421	206	11	planner	planner	NOUN
fsr-3421	206	12	.	.	PUNCT
fsr-3421	207	1	the	the	DET
fsr-3421	207	2	independent	independent	ADJ
fsr-3421	207	3	financial	financial	ADJ
fsr-3421	207	4	planner	planner	NOUN
fsr-3421	207	5	offers	offer	VERB
fsr-3421	207	6	client	client	NOUN
fsr-3421	207	7	centered	center	VERB
fsr-3421	207	8	financial	financial	ADJ
fsr-3421	207	9	advice	advice	NOUN
fsr-3421	207	10	and	and	CCONJ
fsr-3421	207	11	is	be	AUX
fsr-3421	207	12	independent	independent	ADJ
fsr-3421	207	13	of	of	ADP
fsr-3421	207	14	product	product	NOUN
fsr-3421	207	15	providers	provider	NOUN
fsr-3421	207	16	,	,	PUNCT
fsr-3421	207	17	as	as	SCONJ
fsr-3421	207	18	they	they	PRON
fsr-3421	207	19	receive	receive	VERB
fsr-3421	207	20	no	no	DET
fsr-3421	207	21	remuneration	remuneration	NOUN
fsr-3421	207	22	from	from	ADP
fsr-3421	207	23	,	,	PUNCT
fsr-3421	207	24	and	and	CCONJ
fsr-3421	207	25	are	be	AUX
fsr-3421	207	26	not	not	PART
fsr-3421	207	27	environmentally	environmentally	ADV
fsr-3421	207	28	constrained	constrain	VERB
fsr-3421	207	29	by	by	ADP
fsr-3421	207	30	,	,	PUNCT
fsr-3421	207	31	product	product	NOUN
fsr-3421	207	32	providers	provider	NOUN
fsr-3421	207	33	.	.	PUNCT
fsr-3421	208	1	instead	instead	ADV
fsr-3421	208	2	,	,	PUNCT
fsr-3421	208	3	the	the	DET
fsr-3421	208	4	financial	financial	ADJ
fsr-3421	208	5	planner	planner	NOUN
fsr-3421	208	6	may	may	AUX
fsr-3421	208	7	charge	charge	VERB
fsr-3421	208	8	a	a	DET
fsr-3421	208	9	feefor	feefor	NOUN
fsr-3421	208	10	-	-	PUNCT
fsr-3421	208	11	service	service	NOUN
fsr-3421	208	12	model	model	NOUN
fsr-3421	208	13	where	where	SCONJ
fsr-3421	208	14	they	they	PRON
fsr-3421	208	15	charge	charge	VERB
fsr-3421	208	16	clients	client	NOUN
fsr-3421	208	17	based	base	VERB
fsr-3421	208	18	on	on	ADP
fsr-3421	208	19	the	the	DET
fsr-3421	208	20	quantity	quantity	NOUN
fsr-3421	208	21	of	of	ADP
fsr-3421	208	22	services	service	NOUN
fsr-3421	208	23	rendered	render	VERB
fsr-3421	208	24	or	or	CCONJ
fsr-3421	208	25	a	a	DET
fsr-3421	208	26	flat	flat	ADJ
fsr-3421	208	27	fee	fee	NOUN
fsr-3421	208	28	for	for	ADP
fsr-3421	208	29	being	be	AUX
fsr-3421	208	30	a	a	DET
fsr-3421	208	31	client	client	NOUN
fsr-3421	208	32	of	of	ADP
fsr-3421	208	33	the	the	DET
fsr-3421	208	34	advisor	advisor	NOUN
fsr-3421	208	35	.	.	PROPN
fsr-3421	208	36	fig	fig	PROPN
fsr-3421	208	37	.	.	PUNCT
fsr-3421	209	1	1	1	X
fsr-3421	209	2	.	.	X
fsr-3421	209	3	a	a	DET
fsr-3421	209	4	general	general	ADJ
fsr-3421	209	5	model	model	NOUN
fsr-3421	209	6	for	for	ADP
fsr-3421	209	7	providing	provide	VERB
fsr-3421	209	8	financial	financial	ADJ
fsr-3421	209	9	advice	advice	NOUN
fsr-3421	209	10	in	in	ADP
fsr-3421	209	11	a	a	DET
fsr-3421	209	12	client	client	NOUN
fsr-3421	209	13	’s	’s	PART
fsr-3421	209	14	best	good	ADJ
fsr-3421	209	15	interest	interest	NOUN
fsr-3421	209	16	.	.	PUNCT
fsr-3421	210	1	142	142	NUM
fsr-3421	210	2	d.	d.	PROPN
fsr-3421	210	3	w.	w.	PROPN
fsr-3421	210	4	richards	richards	PROPN
fsr-3421	210	5	,	,	PUNCT
fsr-3421	210	6	e.	e.	PROPN
fsr-3421	210	7	f.	f.	PROPN
fsr-3421	210	8	morton	morton	PROPN
fsr-3421	210	9	/	/	SYM
fsr-3421	210	10	financial	financial	ADJ
fsr-3421	210	11	services	service	NOUN
fsr-3421	210	12	review	review	VERB
fsr-3421	210	13	28	28	NUM
fsr-3421	210	14	(	(	PUNCT
fsr-3421	210	15	2020	2020	NUM
fsr-3421	210	16	)	)	PUNCT
fsr-3421	211	1	133–158	133–158	NUM
fsr-3421	211	2	a	a	DET
fsr-3421	211	3	limitation	limitation	NOUN
fsr-3421	211	4	worth	worth	ADJ
fsr-3421	211	5	noting	note	VERB
fsr-3421	211	6	with	with	ADP
fsr-3421	211	7	this	this	DET
fsr-3421	211	8	model	model	NOUN
fsr-3421	211	9	is	be	AUX
fsr-3421	211	10	that	that	SCONJ
fsr-3421	211	11	it	it	PRON
fsr-3421	211	12	shows	show	VERB
fsr-3421	211	13	when	when	SCONJ
fsr-3421	211	14	a	a	DET
fsr-3421	211	15	client	client	NOUN
fsr-3421	211	16	’s	’s	PART
fsr-3421	211	17	best	good	ADJ
fsr-3421	211	18	interest	interest	NOUN
fsr-3421	211	19	can	can	AUX
fsr-3421	211	20	be	be	AUX
fsr-3421	211	21	prioritized	prioritize	VERB
fsr-3421	211	22	but	but	CCONJ
fsr-3421	211	23	does	do	AUX
fsr-3421	211	24	not	not	PART
fsr-3421	211	25	mean	mean	VERB
fsr-3421	211	26	they	they	PRON
fsr-3421	211	27	necessarily	necessarily	ADV
fsr-3421	211	28	will	will	AUX
fsr-3421	211	29	achieve	achieve	VERB
fsr-3421	211	30	best	good	ADJ
fsr-3421	211	31	interest	interest	NOUN
fsr-3421	211	32	practice	practice	NOUN
fsr-3421	211	33	.	.	PUNCT
fsr-3421	212	1	this	this	PRON
fsr-3421	212	2	occurs	occur	VERB
fsr-3421	212	3	because	because	SCONJ
fsr-3421	212	4	conflicts	conflict	NOUN
fsr-3421	212	5	of	of	ADP
fsr-3421	212	6	interest	interest	NOUN
fsr-3421	212	7	still	still	ADV
fsr-3421	212	8	exist	exist	VERB
fsr-3421	212	9	for	for	ADP
fsr-3421	212	10	bias	bias	NOUN
fsr-3421	212	11	,	,	PUNCT
fsr-3421	212	12	who	who	PRON
fsr-3421	212	13	are	be	AUX
fsr-3421	212	14	independent	independent	ADJ
fsr-3421	212	15	of	of	ADP
fsr-3421	212	16	product	product	NOUN
fsr-3421	212	17	providers	provider	NOUN
fsr-3421	212	18	and	and	CCONJ
fsr-3421	212	19	provide	provide	VERB
fsr-3421	212	20	client	client	NOUN
fsr-3421	212	21	-	-	PUNCT
fsr-3421	212	22	based	base	VERB
fsr-3421	212	23	advice	advice	NOUN
fsr-3421	212	24	.	.	PUNCT
fsr-3421	213	1	for	for	ADP
fsr-3421	213	2	example	example	NOUN
fsr-3421	213	3	,	,	PUNCT
fsr-3421	213	4	consider	consider	VERB
fsr-3421	213	5	a	a	DET
fsr-3421	213	6	situation	situation	NOUN
fsr-3421	213	7	where	where	SCONJ
fsr-3421	213	8	a	a	DET
fsr-3421	213	9	financial	financial	ADJ
fsr-3421	213	10	advisor	advisor	NOUN
fsr-3421	213	11	provides	provide	VERB
fsr-3421	213	12	advice	advice	NOUN
fsr-3421	213	13	using	use	VERB
fsr-3421	213	14	a	a	DET
fsr-3421	213	15	fee	fee	NOUN
fsr-3421	213	16	-	-	PUNCT
fsr-3421	213	17	for	for	ADP
fsr-3421	213	18	-	-	PUNCT
fsr-3421	213	19	service	service	NOUN
fsr-3421	213	20	model	model	NOUN
fsr-3421	213	21	.	.	PUNCT
fsr-3421	214	1	this	this	DET
fsr-3421	214	2	advisor	advisor	NOUN
fsr-3421	214	3	will	will	AUX
fsr-3421	214	4	gain	gain	VERB
fsr-3421	214	5	material	material	NOUN
fsr-3421	214	6	benefits	benefit	NOUN
fsr-3421	214	7	by	by	ADP
fsr-3421	214	8	charging	charge	VERB
fsr-3421	214	9	fees	fee	NOUN
fsr-3421	214	10	and	and	CCONJ
fsr-3421	214	11	providing	provide	VERB
fsr-3421	214	12	the	the	DET
fsr-3421	214	13	smallest	small	ADJ
fsr-3421	214	14	amount	amount	NOUN
fsr-3421	214	15	of	of	ADP
fsr-3421	214	16	service	service	NOUN
fsr-3421	214	17	possible	possible	ADJ
fsr-3421	214	18	,	,	PUNCT
fsr-3421	214	19	whilst	whilst	SCONJ
fsr-3421	214	20	using	use	VERB
fsr-3421	214	21	the	the	DET
fsr-3421	214	22	time	time	NOUN
fsr-3421	214	23	saved	save	VERB
fsr-3421	214	24	to	to	PART
fsr-3421	214	25	attract	attract	VERB
fsr-3421	214	26	new	new	ADJ
fsr-3421	214	27	additional	additional	ADJ
fsr-3421	214	28	clients	client	NOUN
fsr-3421	214	29	.	.	PUNCT
fsr-3421	215	1	this	this	DET
fsr-3421	215	2	issue	issue	NOUN
fsr-3421	215	3	was	be	AUX
fsr-3421	215	4	revealed	reveal	VERB
fsr-3421	215	5	in	in	ADP
fsr-3421	215	6	report	report	NOUN
fsr-3421	215	7	1	1	NUM
fsr-3421	215	8	and	and	CCONJ
fsr-3421	215	9	report	report	VERB
fsr-3421	215	10	2	2	NUM
fsr-3421	215	11	as	as	ADP
fsr-3421	215	12	“	"	PUNCT
fsr-3421	215	13	fees	fee	NOUN
fsr-3421	215	14	for	for	ADP
fsr-3421	215	15	no	no	DET
fsr-3421	215	16	service	service	NOUN
fsr-3421	215	17	,	,	PUNCT
fsr-3421	215	18	”	"	PUNCT
fsr-3421	215	19	where	where	SCONJ
fsr-3421	215	20	ongoing	ongoing	ADJ
fsr-3421	215	21	advice	advice	NOUN
fsr-3421	215	22	fees	fee	NOUN
fsr-3421	215	23	are	be	AUX
fsr-3421	215	24	being	be	AUX
fsr-3421	215	25	charged	charge	VERB
fsr-3421	215	26	with	with	ADP
fsr-3421	215	27	no	no	DET
fsr-3421	215	28	advice	advice	NOUN
fsr-3421	215	29	being	be	AUX
fsr-3421	215	30	given	give	VERB
fsr-3421	215	31	to	to	ADP
fsr-3421	215	32	the	the	DET
fsr-3421	215	33	client	client	NOUN
fsr-3421	215	34	.	.	PUNCT
fsr-3421	216	1	these	these	DET
fsr-3421	216	2	reports	report	NOUN
fsr-3421	216	3	concluded	conclude	VERB
fsr-3421	216	4	that	that	SCONJ
fsr-3421	216	5	poor	poor	ADJ
fsr-3421	216	6	advice	advice	NOUN
fsr-3421	216	7	often	often	ADV
fsr-3421	216	8	given	give	VERB
fsr-3421	216	9	to	to	ADP
fsr-3421	216	10	clients	client	NOUN
fsr-3421	216	11	has	have	AUX
fsr-3421	216	12	ultimately	ultimately	ADV
fsr-3421	216	13	led	lead	VERB
fsr-3421	216	14	to	to	ADP
fsr-3421	216	15	those	those	DET
fsr-3421	216	16	clients	client	NOUN
fsr-3421	216	17	being	be	AUX
fsr-3421	216	18	left	leave	VERB
fsr-3421	216	19	worse	bad	ADJ
fsr-3421	216	20	off	off	ADV
fsr-3421	216	21	than	than	SCONJ
fsr-3421	216	22	if	if	SCONJ
fsr-3421	216	23	they	they	PRON
fsr-3421	216	24	had	have	AUX
fsr-3421	216	25	been	be	AUX
fsr-3421	216	26	given	give	VERB
fsr-3421	216	27	proper	proper	ADJ
fsr-3421	216	28	advice	advice	NOUN
fsr-3421	216	29	.	.	PUNCT
fsr-3421	217	1	4.2	4.2	NUM
fsr-3421	217	2	.	.	PUNCT
fsr-3421	217	3	business	business	NOUN
fsr-3421	217	4	models	model	NOUN
fsr-3421	217	5	of	of	ADP
fsr-3421	217	6	financial	financial	ADJ
fsr-3421	217	7	advice	advice	NOUN
fsr-3421	217	8	international	international	ADJ
fsr-3421	217	9	research	research	NOUN
fsr-3421	217	10	highlights	highlight	VERB
fsr-3421	217	11	the	the	DET
fsr-3421	217	12	importance	importance	NOUN
fsr-3421	217	13	of	of	ADP
fsr-3421	217	14	organizational	organizational	ADJ
fsr-3421	217	15	structure	structure	NOUN
fsr-3421	217	16	for	for	ADP
fsr-3421	217	17	financial	financial	ADJ
fsr-3421	217	18	advice	advice	NOUN
fsr-3421	217	19	,	,	PUNCT
fsr-3421	217	20	but	but	CCONJ
fsr-3421	217	21	a	a	DET
fsr-3421	217	22	key	key	ADJ
fsr-3421	217	23	theme	theme	NOUN
fsr-3421	217	24	emanating	emanate	VERB
fsr-3421	217	25	from	from	ADP
fsr-3421	217	26	our	our	PRON
fsr-3421	217	27	research	research	NOUN
fsr-3421	217	28	is	be	AUX
fsr-3421	217	29	that	that	SCONJ
fsr-3421	217	30	the	the	DET
fsr-3421	217	31	business	business	NOUN
fsr-3421	217	32	models	model	NOUN
fsr-3421	217	33	of	of	ADP
fsr-3421	217	34	financial	financial	ADJ
fsr-3421	217	35	advice	advice	NOUN
fsr-3421	217	36	was	be	AUX
fsr-3421	217	37	important	important	ADJ
fsr-3421	217	38	for	for	ADP
fsr-3421	217	39	providing	provide	VERB
fsr-3421	217	40	financial	financial	ADJ
fsr-3421	217	41	advice	advice	NOUN
fsr-3421	217	42	in	in	ADP
fsr-3421	217	43	a	a	DET
fsr-3421	217	44	client	client	NOUN
fsr-3421	217	45	’s	’s	PART
fsr-3421	217	46	best	good	ADJ
fsr-3421	217	47	interest	interest	NOUN
fsr-3421	217	48	.	.	PUNCT
fsr-3421	218	1	yet	yet	ADV
fsr-3421	218	2	,	,	PUNCT
fsr-3421	218	3	these	these	DET
fsr-3421	218	4	models	model	NOUN
fsr-3421	218	5	differ	differ	VERB
fsr-3421	218	6	from	from	ADP
fsr-3421	218	7	one	one	NUM
fsr-3421	218	8	advisor	advisor	NOUN
fsr-3421	218	9	to	to	ADP
fsr-3421	218	10	the	the	DET
fsr-3421	218	11	next	next	ADJ
fsr-3421	218	12	,	,	PUNCT
fsr-3421	218	13	because	because	SCONJ
fsr-3421	218	14	of	of	ADP
fsr-3421	218	15	the	the	DET
fsr-3421	218	16	arrangement	arrangement	NOUN
fsr-3421	218	17	of	of	ADP
fsr-3421	218	18	three	three	NUM
fsr-3421	218	19	major	major	ADJ
fsr-3421	218	20	parties	party	NOUN
fsr-3421	218	21	involved	involve	VERB
fsr-3421	218	22	.	.	PUNCT
fsr-3421	219	1	these	these	DET
fsr-3421	219	2	parties	party	NOUN
fsr-3421	219	3	are	be	AUX
fsr-3421	219	4	:	:	PUNCT
fsr-3421	219	5	the	the	DET
fsr-3421	219	6	licensee	licensee	NOUN
fsr-3421	219	7	(	(	PUNCT
fsr-3421	219	8	the	the	DET
fsr-3421	219	9	organization	organization	NOUN
fsr-3421	219	10	or	or	CCONJ
fsr-3421	219	11	person	person	NOUN
fsr-3421	219	12	licensed	license	VERB
fsr-3421	219	13	by	by	ADP
fsr-3421	219	14	asic	asic	NOUN
fsr-3421	219	15	to	to	PART
fsr-3421	219	16	provide	provide	VERB
fsr-3421	219	17	financial	financial	ADJ
fsr-3421	219	18	advice	advice	NOUN
fsr-3421	219	19	services	service	NOUN
fsr-3421	219	20	to	to	ADP
fsr-3421	219	21	the	the	DET
fsr-3421	219	22	public	public	NOUN
fsr-3421	219	23	)	)	PUNCT
fsr-3421	219	24	;	;	PUNCT
fsr-3421	219	25	the	the	DET
fsr-3421	219	26	financial	financial	ADJ
fsr-3421	219	27	product	product	NOUN
fsr-3421	219	28	provider	provider	NOUN
fsr-3421	219	29	(	(	PUNCT
fsr-3421	219	30	the	the	DET
fsr-3421	219	31	organization	organization	NOUN
fsr-3421	219	32	that	that	PRON
fsr-3421	219	33	makes	make	VERB
fsr-3421	219	34	the	the	DET
fsr-3421	219	35	product	product	NOUN
fsr-3421	219	36	a	a	DET
fsr-3421	219	37	client	client	NOUN
fsr-3421	219	38	uses	use	VERB
fsr-3421	219	39	)	)	PUNCT
fsr-3421	219	40	;	;	PUNCT
fsr-3421	219	41	and	and	CCONJ
fsr-3421	219	42	the	the	DET
fsr-3421	219	43	financial	financial	ADJ
fsr-3421	219	44	advisor	advisor	NOUN
fsr-3421	219	45	(	(	PUNCT
fsr-3421	219	46	the	the	DET
fsr-3421	219	47	person	person	NOUN
fsr-3421	219	48	who	who	PRON
fsr-3421	219	49	recommends	recommend	VERB
fsr-3421	219	50	the	the	DET
fsr-3421	219	51	product	product	NOUN
fsr-3421	219	52	to	to	ADP
fsr-3421	219	53	the	the	DET
fsr-3421	219	54	client	client	NOUN
fsr-3421	219	55	)	)	PUNCT
fsr-3421	219	56	.	.	PUNCT
fsr-3421	220	1	as	as	SCONJ
fsr-3421	220	2	previously	previously	ADV
fsr-3421	220	3	indicated	indicate	VERB
fsr-3421	220	4	,	,	PUNCT
fsr-3421	220	5	australia	australia	PROPN
fsr-3421	220	6	operates	operate	VERB
fsr-3421	220	7	an	an	DET
fsr-3421	220	8	authorized	authorized	ADJ
fsr-3421	220	9	representative	representative	ADJ
fsr-3421	220	10	model	model	NOUN
fsr-3421	220	11	,	,	PUNCT
fsr-3421	220	12	with	with	ADP
fsr-3421	220	13	the	the	DET
fsr-3421	220	14	licensee	licensee	NOUN
fsr-3421	220	15	able	able	ADJ
fsr-3421	220	16	to	to	PART
fsr-3421	220	17	authorize	authorize	VERB
fsr-3421	220	18	a	a	DET
fsr-3421	220	19	financial	financial	ADJ
fsr-3421	220	20	advisor	advisor	NOUN
fsr-3421	220	21	to	to	PART
fsr-3421	220	22	give	give	VERB
fsr-3421	220	23	advice	advice	NOUN
fsr-3421	220	24	on	on	ADP
fsr-3421	220	25	their	their	PRON
fsr-3421	220	26	behalf	behalf	NOUN
fsr-3421	220	27	whilst	whilst	SCONJ
fsr-3421	220	28	taking	take	VERB
fsr-3421	220	29	responsibility	responsibility	NOUN
fsr-3421	220	30	to	to	PART
fsr-3421	220	31	ensure	ensure	VERB
fsr-3421	220	32	compliance	compliance	NOUN
fsr-3421	220	33	with	with	ADP
fsr-3421	220	34	relevant	relevant	ADJ
fsr-3421	220	35	legislation	legislation	NOUN
fsr-3421	220	36	.	.	PUNCT
fsr-3421	221	1	an	an	DET
fsr-3421	221	2	important	important	ADJ
fsr-3421	221	3	aspect	aspect	NOUN
fsr-3421	221	4	of	of	ADP
fsr-3421	221	5	these	these	DET
fsr-3421	221	6	models	model	NOUN
fsr-3421	221	7	is	be	AUX
fsr-3421	221	8	that	that	SCONJ
fsr-3421	221	9	the	the	DET
fsr-3421	221	10	work	work	NOUN
fsr-3421	221	11	of	of	ADP
fsr-3421	221	12	a	a	DET
fsr-3421	221	13	financial	financial	ADJ
fsr-3421	221	14	advisor	advisor	NOUN
fsr-3421	221	15	is	be	AUX
fsr-3421	221	16	largely	largely	ADV
fsr-3421	221	17	governed	govern	VERB
fsr-3421	221	18	by	by	ADP
fsr-3421	221	19	the	the	DET
fsr-3421	221	20	licensee	licensee	NOUN
fsr-3421	221	21	because	because	SCONJ
fsr-3421	221	22	of	of	ADP
fsr-3421	221	23	several	several	ADJ
fsr-3421	221	24	factors	factor	NOUN
fsr-3421	221	25	.	.	PUNCT
fsr-3421	222	1	firstly	firstly	ADV
fsr-3421	222	2	,	,	PUNCT
fsr-3421	222	3	the	the	DET
fsr-3421	222	4	licensee	licensee	NOUN
fsr-3421	222	5	sets	set	VERB
fsr-3421	222	6	the	the	DET
fsr-3421	222	7	terms	term	NOUN
fsr-3421	222	8	under	under	ADP
fsr-3421	222	9	which	which	PRON
fsr-3421	222	10	financial	financial	ADJ
fsr-3421	222	11	advice	advice	NOUN
fsr-3421	222	12	will	will	AUX
fsr-3421	222	13	be	be	AUX
fsr-3421	222	14	given	give	VERB
fsr-3421	222	15	.	.	PUNCT
fsr-3421	223	1	that	that	PRON
fsr-3421	223	2	is	is	ADV
fsr-3421	223	3	,	,	PUNCT
fsr-3421	223	4	they	they	PRON
fsr-3421	223	5	create	create	VERB
fsr-3421	223	6	the	the	DET
fsr-3421	223	7	contract	contract	NOUN
fsr-3421	223	8	between	between	ADP
fsr-3421	223	9	the	the	DET
fsr-3421	223	10	financial	financial	ADJ
fsr-3421	223	11	advisor	advisor	NOUN
fsr-3421	223	12	and	and	CCONJ
fsr-3421	223	13	their	their	PRON
fsr-3421	223	14	clients	client	NOUN
fsr-3421	223	15	,	,	PUNCT
fsr-3421	223	16	referred	refer	VERB
fsr-3421	223	17	to	to	ADP
fsr-3421	223	18	as	as	ADP
fsr-3421	223	19	the	the	DET
fsr-3421	223	20	financial	financial	ADJ
fsr-3421	223	21	services	service	NOUN
fsr-3421	223	22	guide	guide	NOUN
fsr-3421	223	23	(	(	PUNCT
fsr-3421	223	24	fsg	fsg	PROPN
fsr-3421	223	25	)	)	PUNCT
fsr-3421	223	26	.	.	PUNCT
fsr-3421	224	1	an	an	DET
fsr-3421	224	2	fsg	fsg	PROPN
fsr-3421	224	3	is	be	AUX
fsr-3421	224	4	a	a	DET
fsr-3421	224	5	general	general	ADJ
fsr-3421	224	6	document	document	NOUN
fsr-3421	224	7	provided	provide	VERB
fsr-3421	224	8	at	at	ADP
fsr-3421	224	9	the	the	DET
fsr-3421	224	10	commencement	commencement	NOUN
fsr-3421	224	11	of	of	ADP
fsr-3421	224	12	an	an	DET
fsr-3421	224	13	advice	advice	NOUN
fsr-3421	224	14	relationship	relationship	NOUN
fsr-3421	224	15	,	,	PUNCT
fsr-3421	224	16	which	which	PRON
fsr-3421	224	17	must	must	AUX
fsr-3421	224	18	outline	outline	VERB
fsr-3421	224	19	the	the	DET
fsr-3421	224	20	kinds	kind	NOUN
fsr-3421	224	21	of	of	ADP
fsr-3421	224	22	financial	financial	ADJ
fsr-3421	224	23	services	service	NOUN
fsr-3421	224	24	and	and	CCONJ
fsr-3421	224	25	products	product	NOUN
fsr-3421	224	26	the	the	DET
fsr-3421	224	27	licensee	licensee	NOUN
fsr-3421	224	28	is	be	AUX
fsr-3421	224	29	authorized	authorize	VERB
fsr-3421	224	30	to	to	PART
fsr-3421	224	31	provide	provide	VERB
fsr-3421	224	32	,	,	PUNCT
fsr-3421	224	33	as	as	ADV
fsr-3421	224	34	well	well	ADV
fsr-3421	224	35	as	as	ADP
fsr-3421	224	36	any	any	DET
fsr-3421	224	37	remuneration	remuneration	NOUN
fsr-3421	224	38	,	,	PUNCT
fsr-3421	224	39	commission	commission	NOUN
fsr-3421	224	40	and	and	CCONJ
fsr-3421	224	41	other	other	ADJ
fsr-3421	224	42	benefits	benefit	NOUN
fsr-3421	224	43	that	that	PRON
fsr-3421	224	44	may	may	AUX
fsr-3421	224	45	be	be	AUX
fsr-3421	224	46	received	receive	VERB
fsr-3421	224	47	by	by	ADP
fsr-3421	224	48	the	the	DET
fsr-3421	224	49	providing	provide	VERB
fsr-3421	224	50	entity	entity	NOUN
fsr-3421	224	51	as	as	ADP
fsr-3421	224	52	a	a	DET
fsr-3421	224	53	result	result	NOUN
fsr-3421	224	54	of	of	ADP
fsr-3421	224	55	advice	advice	NOUN
fsr-3421	224	56	being	be	AUX
fsr-3421	224	57	offered	offer	VERB
fsr-3421	224	58	and	and	CCONJ
fsr-3421	224	59	any	any	DET
fsr-3421	224	60	potential	potential	ADJ
fsr-3421	224	61	conflicts	conflict	NOUN
fsr-3421	224	62	of	of	ADP
fsr-3421	224	63	interest	interest	NOUN
fsr-3421	224	64	.	.	PUNCT
fsr-3421	225	1	(	(	PUNCT
fsr-3421	225	2	report	report	NOUN
fsr-3421	225	3	5	5	NUM
fsr-3421	225	4	:	:	SYM
fsr-3421	225	5	3	3	NUM
fsr-3421	225	6	)	)	PUNCT
fsr-3421	225	7	secondly	secondly	ADV
fsr-3421	225	8	,	,	PUNCT
fsr-3421	225	9	a	a	DET
fsr-3421	225	10	licensee	licensee	NOUN
fsr-3421	225	11	will	will	AUX
fsr-3421	225	12	also	also	ADV
fsr-3421	225	13	issue	issue	VERB
fsr-3421	225	14	the	the	DET
fsr-3421	225	15	financial	financial	ADJ
fsr-3421	225	16	advisor	advisor	NOUN
fsr-3421	225	17	with	with	ADP
fsr-3421	225	18	an	an	DET
fsr-3421	225	19	approved	approve	VERB
fsr-3421	225	20	product	product	NOUN
fsr-3421	225	21	list	list	NOUN
fsr-3421	225	22	(	(	PUNCT
fsr-3421	225	23	apl	apl	PROPN
fsr-3421	225	24	)	)	PUNCT
fsr-3421	225	25	that	that	PRON
fsr-3421	225	26	outlines	outline	VERB
fsr-3421	225	27	the	the	DET
fsr-3421	225	28	financial	financial	ADJ
fsr-3421	225	29	products	product	NOUN
fsr-3421	225	30	that	that	PRON
fsr-3421	225	31	a	a	DET
fsr-3421	225	32	financial	financial	ADJ
fsr-3421	225	33	advisor	advisor	NOUN
fsr-3421	225	34	can	can	AUX
fsr-3421	225	35	recommend	recommend	VERB
fsr-3421	225	36	.	.	PUNCT
fsr-3421	226	1	participant	participant	PROPN
fsr-3421	226	2	6	6	NUM
fsr-3421	226	3	describes	describe	VERB
fsr-3421	226	4	this	this	PRON
fsr-3421	226	5	as	as	ADP
fsr-3421	226	6	:	:	PUNCT
fsr-3421	226	7	again	again	ADV
fsr-3421	226	8	,	,	PUNCT
fsr-3421	226	9	another	another	DET
fsr-3421	226	10	subtle	subtle	ADJ
fsr-3421	226	11	way	way	NOUN
fsr-3421	226	12	that	that	PRON
fsr-3421	226	13	providers	provider	NOUN
fsr-3421	226	14	will	will	AUX
fsr-3421	226	15	try	try	VERB
fsr-3421	226	16	to	to	PART
fsr-3421	226	17	encourage	encourage	VERB
fsr-3421	226	18	advisors	advisor	NOUN
fsr-3421	226	19	to	to	PART
fsr-3421	226	20	use	use	VERB
fsr-3421	226	21	their	their	PRON
fsr-3421	226	22	products	product	NOUN
fsr-3421	226	23	and	and	CCONJ
fsr-3421	226	24	their	their	PRON
fsr-3421	226	25	platforms	platform	NOUN
fsr-3421	226	26	over	over	ADP
fsr-3421	226	27	others	other	NOUN
fsr-3421	226	28	will	will	AUX
fsr-3421	226	29	be	be	AUX
fsr-3421	226	30	.	.	PUNCT
fsr-3421	226	31	.	.	PUNCT
fsr-3421	226	32	.	.	PUNCT
fsr-3421	227	1	apls	apls	PROPN
fsr-3421	227	2	;	;	PUNCT
fsr-3421	227	3	(	(	PUNCT
fsr-3421	227	4	these	these	PRON
fsr-3421	227	5	)	)	PUNCT
fsr-3421	227	6	can	can	AUX
fsr-3421	227	7	be	be	AUX
fsr-3421	227	8	quite	quite	ADV
fsr-3421	227	9	restrictive	restrictive	ADJ
fsr-3421	227	10	.	.	PUNCT
fsr-3421	228	1	(	(	PUNCT
fsr-3421	228	2	participant	participant	NOUN
fsr-3421	228	3	6	6	NUM
fsr-3421	228	4	)	)	PUNCT
fsr-3421	228	5	finally	finally	ADV
fsr-3421	228	6	,	,	PUNCT
fsr-3421	228	7	the	the	DET
fsr-3421	228	8	licensee	licensee	NOUN
fsr-3421	228	9	will	will	AUX
fsr-3421	228	10	stipulate	stipulate	VERB
fsr-3421	228	11	professional	professional	ADJ
fsr-3421	228	12	development	development	NOUN
fsr-3421	228	13	requirements	requirement	NOUN
fsr-3421	228	14	,	,	PUNCT
fsr-3421	228	15	suggest	suggest	VERB
fsr-3421	228	16	financial	financial	ADJ
fsr-3421	228	17	services	service	NOUN
fsr-3421	228	18	software	software	NOUN
fsr-3421	228	19	and	and	CCONJ
fsr-3421	228	20	conduct	conduct	VERB
fsr-3421	228	21	audits	audits	NOUN
fsr-3421	228	22	of	of	ADP
fsr-3421	228	23	the	the	DET
fsr-3421	228	24	financial	financial	ADJ
fsr-3421	228	25	advisor	advisor	NOUN
fsr-3421	228	26	practices	practice	NOUN
fsr-3421	228	27	.	.	PUNCT
fsr-3421	229	1	thus	thus	ADV
fsr-3421	229	2	,	,	PUNCT
fsr-3421	229	3	when	when	SCONJ
fsr-3421	229	4	assessing	assess	VERB
fsr-3421	229	5	the	the	DET
fsr-3421	229	6	extent	extent	NOUN
fsr-3421	229	7	to	to	PART
fsr-3421	229	8	which	which	PRON
fsr-3421	229	9	financial	financial	ADJ
fsr-3421	229	10	advice	advice	NOUN
fsr-3421	229	11	is	be	AUX
fsr-3421	229	12	provided	provide	VERB
fsr-3421	229	13	in	in	ADP
fsr-3421	229	14	a	a	DET
fsr-3421	229	15	client	client	NOUN
fsr-3421	229	16	’s	’s	PART
fsr-3421	229	17	best	good	ADJ
fsr-3421	229	18	interest	interest	NOUN
fsr-3421	229	19	,	,	PUNCT
fsr-3421	229	20	it	it	PRON
fsr-3421	229	21	is	be	AUX
fsr-3421	229	22	important	important	ADJ
fsr-3421	229	23	to	to	PART
fsr-3421	229	24	consider	consider	VERB
fsr-3421	229	25	the	the	DET
fsr-3421	229	26	organizational	organizational	ADJ
fsr-3421	229	27	context	context	NOUN
fsr-3421	229	28	of	of	ADP
fsr-3421	229	29	the	the	DET
fsr-3421	229	30	licensee	licensee	NOUN
fsr-3421	229	31	,	,	PUNCT
fsr-3421	229	32	financial	financial	ADJ
fsr-3421	229	33	advisor	advisor	NOUN
fsr-3421	229	34	,	,	PUNCT
fsr-3421	229	35	and	and	CCONJ
fsr-3421	229	36	financial	financial	ADJ
fsr-3421	229	37	product	product	NOUN
fsr-3421	229	38	providers	provider	NOUN
fsr-3421	229	39	.	.	PUNCT
fsr-3421	230	1	d.	d.	PROPN
fsr-3421	230	2	w.	w.	PROPN
fsr-3421	230	3	richards	richards	PROPN
fsr-3421	230	4	,	,	PUNCT
fsr-3421	230	5	e.	e.	PROPN
fsr-3421	230	6	f.	f.	PROPN
fsr-3421	230	7	morton	morton	PROPN
fsr-3421	230	8	/	/	SYM
fsr-3421	230	9	financial	financial	ADJ
fsr-3421	230	10	services	service	NOUN
fsr-3421	230	11	review	review	VERB
fsr-3421	230	12	28	28	NUM
fsr-3421	230	13	(	(	PUNCT
fsr-3421	230	14	2020	2020	NUM
fsr-3421	230	15	)	)	PUNCT
fsr-3421	230	16	133–158	133–158	NUM
fsr-3421	230	17	143	143	NUM
fsr-3421	230	18	the	the	DET
fsr-3421	230	19	main	main	ADJ
fsr-3421	230	20	three	three	NUM
fsr-3421	230	21	organizations	organization	NOUN
fsr-3421	230	22	involved	involve	VERB
fsr-3421	230	23	with	with	ADP
fsr-3421	230	24	providing	provide	VERB
fsr-3421	230	25	financial	financial	ADJ
fsr-3421	230	26	advisory	advisory	ADJ
fsr-3421	230	27	services	service	NOUN
fsr-3421	230	28	can	can	AUX
fsr-3421	230	29	be	be	AUX
fsr-3421	230	30	arranged	arrange	VERB
fsr-3421	230	31	into	into	ADP
fsr-3421	230	32	three	three	NUM
fsr-3421	230	33	different	different	ADJ
fsr-3421	230	34	business	business	NOUN
fsr-3421	230	35	models	model	NOUN
fsr-3421	230	36	of	of	ADP
fsr-3421	230	37	financial	financial	ADJ
fsr-3421	230	38	advice	advice	NOUN
fsr-3421	230	39	,	,	PUNCT
fsr-3421	230	40	based	base	VERB
fsr-3421	230	41	on	on	ADP
fsr-3421	230	42	the	the	DET
fsr-3421	230	43	relationship	relationship	NOUN
fsr-3421	230	44	between	between	ADP
fsr-3421	230	45	parties	party	NOUN
fsr-3421	230	46	.	.	PUNCT
fsr-3421	231	1	these	these	DET
fsr-3421	231	2	models	model	NOUN
fsr-3421	231	3	were	be	AUX
fsr-3421	231	4	shown	show	VERB
fsr-3421	231	5	,	,	PUNCT
fsr-3421	231	6	amended	amend	VERB
fsr-3421	231	7	and	and	CCONJ
fsr-3421	231	8	confirmed	confirm	VERB
fsr-3421	231	9	in	in	ADP
fsr-3421	231	10	the	the	DET
fsr-3421	231	11	interviews	interview	NOUN
fsr-3421	231	12	.	.	PUNCT
fsr-3421	232	1	fig	fig	NOUN
fsr-3421	232	2	.	.	PUNCT
fsr-3421	233	1	2	2	NUM
fsr-3421	233	2	is	be	AUX
fsr-3421	233	3	a	a	DET
fsr-3421	233	4	graphical	graphical	ADJ
fsr-3421	233	5	illustration	illustration	NOUN
fsr-3421	233	6	of	of	ADP
fsr-3421	233	7	these	these	DET
fsr-3421	233	8	three	three	NUM
fsr-3421	233	9	models	model	NOUN
fsr-3421	233	10	.	.	PUNCT
fsr-3421	234	1	4.2.1	4.2.1	NOUN
fsr-3421	234	2	.	.	PUNCT
fsr-3421	234	3	model	model	NOUN
fsr-3421	234	4	1	1	NUM
fsr-3421	234	5	:	:	PUNCT
fsr-3421	234	6	all	all	DET
fsr-3421	234	7	groups	group	NOUN
fsr-3421	234	8	are	be	AUX
fsr-3421	234	9	the	the	DET
fsr-3421	234	10	same	same	ADJ
fsr-3421	234	11	organization	organization	NOUN
fsr-3421	234	12	model	model	NOUN
fsr-3421	234	13	1	1	NUM
fsr-3421	234	14	is	be	AUX
fsr-3421	234	15	a	a	DET
fsr-3421	234	16	business	business	NOUN
fsr-3421	234	17	model	model	NOUN
fsr-3421	234	18	in	in	ADP
fsr-3421	234	19	which	which	PRON
fsr-3421	234	20	the	the	DET
fsr-3421	234	21	financial	financial	ADJ
fsr-3421	234	22	advisor	advisor	NOUN
fsr-3421	234	23	,	,	PUNCT
fsr-3421	234	24	financial	financial	ADJ
fsr-3421	234	25	product	product	NOUN
fsr-3421	234	26	provider	provider	NOUN
fsr-3421	234	27	and	and	CCONJ
fsr-3421	234	28	licensee	licensee	NOUN
fsr-3421	234	29	are	be	AUX
fsr-3421	234	30	the	the	DET
fsr-3421	234	31	same	same	ADJ
fsr-3421	234	32	organization	organization	NOUN
fsr-3421	234	33	.	.	PUNCT
fsr-3421	235	1	this	this	PRON
fsr-3421	235	2	occurs	occur	VERB
fsr-3421	235	3	when	when	SCONJ
fsr-3421	235	4	a	a	DET
fsr-3421	235	5	large	large	ADJ
fsr-3421	235	6	financial	financial	ADJ
fsr-3421	235	7	institution	institution	NOUN
fsr-3421	235	8	,	,	PUNCT
fsr-3421	235	9	such	such	ADJ
fsr-3421	235	10	as	as	ADP
fsr-3421	235	11	a	a	DET
fsr-3421	235	12	bank	bank	NOUN
fsr-3421	235	13	,	,	PUNCT
fsr-3421	235	14	creates	create	VERB
fsr-3421	235	15	products	product	NOUN
fsr-3421	235	16	and	and	CCONJ
fsr-3421	235	17	obtains	obtain	VERB
fsr-3421	235	18	a	a	DET
fsr-3421	235	19	license	license	NOUN
fsr-3421	235	20	to	to	PART
fsr-3421	235	21	give	give	VERB
fsr-3421	235	22	advice	advice	NOUN
fsr-3421	235	23	and	and	CCONJ
fsr-3421	235	24	employs	employ	VERB
fsr-3421	235	25	financial	financial	ADJ
fsr-3421	235	26	advisors	advisor	NOUN
fsr-3421	235	27	.	.	PUNCT
fsr-3421	236	1	in	in	ADP
fsr-3421	236	2	this	this	DET
fsr-3421	236	3	model	model	NOUN
fsr-3421	236	4	,	,	PUNCT
fsr-3421	236	5	the	the	DET
fsr-3421	236	6	alignment	alignment	NOUN
fsr-3421	236	7	of	of	ADP
fsr-3421	236	8	financial	financial	ADJ
fsr-3421	236	9	advisors	advisor	NOUN
fsr-3421	236	10	is	be	AUX
fsr-3421	236	11	close	close	ADJ
fsr-3421	236	12	with	with	ADP
fsr-3421	236	13	product	product	NOUN
fsr-3421	236	14	providers	provider	NOUN
fsr-3421	236	15	as	as	SCONJ
fsr-3421	236	16	the	the	DET
fsr-3421	236	17	remuneration	remuneration	NOUN
fsr-3421	236	18	is	be	AUX
fsr-3421	236	19	being	be	AUX
fsr-3421	236	20	provided	provide	VERB
fsr-3421	236	21	by	by	ADP
fsr-3421	236	22	that	that	DET
fsr-3421	236	23	organization	organization	NOUN
fsr-3421	236	24	.	.	PUNCT
fsr-3421	237	1	there	there	PRON
fsr-3421	237	2	is	be	VERB
fsr-3421	237	3	also	also	ADV
fsr-3421	237	4	difficultly	difficultly	ADV
fsr-3421	237	5	in	in	ADP
fsr-3421	237	6	this	this	DET
fsr-3421	237	7	business	business	NOUN
fsr-3421	237	8	model	model	NOUN
fsr-3421	237	9	distinguishing	distinguish	VERB
fsr-3421	237	10	between	between	ADP
fsr-3421	237	11	the	the	DET
fsr-3421	237	12	provision	provision	NOUN
fsr-3421	237	13	of	of	ADP
fsr-3421	237	14	general	general	ADJ
fsr-3421	237	15	(	(	PUNCT
fsr-3421	237	16	product	product	NOUN
fsr-3421	237	17	-	-	PUNCT
fsr-3421	237	18	orientated	orientate	VERB
fsr-3421	237	19	)	)	PUNCT
fsr-3421	237	20	advice	advice	NOUN
fsr-3421	237	21	and	and	CCONJ
fsr-3421	237	22	personal	personal	ADJ
fsr-3421	237	23	(	(	PUNCT
fsr-3421	237	24	client	client	NOUN
fsr-3421	237	25	-	-	PUNCT
fsr-3421	237	26	orientated	orientate	VERB
fsr-3421	237	27	)	)	PUNCT
fsr-3421	237	28	advice	advice	NOUN
fsr-3421	237	29	.	.	PUNCT
fsr-3421	238	1	although	although	SCONJ
fsr-3421	238	2	a	a	DET
fsr-3421	238	3	financial	financial	ADJ
fsr-3421	238	4	advisor	advisor	NOUN
fsr-3421	238	5	will	will	AUX
fsr-3421	238	6	provide	provide	VERB
fsr-3421	238	7	personal	personal	ADJ
fsr-3421	238	8	advice	advice	NOUN
fsr-3421	238	9	,	,	PUNCT
fsr-3421	238	10	there	there	PRON
fsr-3421	238	11	may	may	AUX
fsr-3421	238	12	be	be	AUX
fsr-3421	238	13	several	several	ADJ
fsr-3421	238	14	other	other	ADJ
fsr-3421	238	15	employees	employee	NOUN
fsr-3421	238	16	(	(	PUNCT
fsr-3421	238	17	e.g.	e.g.	ADV
fsr-3421	238	18	,	,	PUNCT
fsr-3421	238	19	such	such	ADJ
fsr-3421	238	20	as	as	ADP
fsr-3421	238	21	bank	bank	NOUN
fsr-3421	238	22	tellers	teller	NOUN
fsr-3421	238	23	)	)	PUNCT
fsr-3421	238	24	who	who	PRON
fsr-3421	238	25	provide	provide	VERB
fsr-3421	238	26	general	general	ADJ
fsr-3421	238	27	advice	advice	NOUN
fsr-3421	238	28	about	about	ADP
fsr-3421	238	29	the	the	DET
fsr-3421	238	30	products	product	NOUN
fsr-3421	238	31	the	the	DET
fsr-3421	238	32	organization	organization	NOUN
fsr-3421	238	33	offers	offer	VERB
fsr-3421	238	34	.	.	PUNCT
fsr-3421	239	1	4.2.2	4.2.2	X
fsr-3421	239	2	.	.	PUNCT
fsr-3421	239	3	model	model	NOUN
fsr-3421	239	4	2	2	NUM
fsr-3421	239	5	:	:	PUNCT
fsr-3421	239	6	all	all	DET
fsr-3421	239	7	groups	group	NOUN
fsr-3421	239	8	are	be	AUX
fsr-3421	239	9	different	different	ADJ
fsr-3421	239	10	organizations	organization	NOUN
fsr-3421	239	11	in	in	ADP
fsr-3421	239	12	model	model	NOUN
fsr-3421	239	13	2	2	NUM
fsr-3421	239	14	all	all	DET
fsr-3421	239	15	parties	party	NOUN
fsr-3421	239	16	work	work	VERB
fsr-3421	239	17	in	in	ADP
fsr-3421	239	18	separate	separate	ADJ
fsr-3421	239	19	organizations	organization	NOUN
fsr-3421	239	20	.	.	PUNCT
fsr-3421	240	1	in	in	ADP
fsr-3421	240	2	this	this	DET
fsr-3421	240	3	model	model	NOUN
fsr-3421	240	4	,	,	PUNCT
fsr-3421	240	5	the	the	DET
fsr-3421	240	6	financial	financial	ADJ
fsr-3421	240	7	advisor	advisor	NOUN
fsr-3421	240	8	will	will	AUX
fsr-3421	240	9	engage	engage	VERB
fsr-3421	240	10	the	the	DET
fsr-3421	240	11	services	service	NOUN
fsr-3421	240	12	of	of	ADP
fsr-3421	240	13	a	a	DET
fsr-3421	240	14	licensee	licensee	NOUN
fsr-3421	240	15	(	(	PUNCT
fsr-3421	240	16	often	often	ADV
fsr-3421	240	17	referred	refer	VERB
fsr-3421	240	18	to	to	ADP
fsr-3421	240	19	as	as	ADP
fsr-3421	240	20	a	a	DET
fsr-3421	240	21	dealer	dealer	NOUN
fsr-3421	240	22	group	group	NOUN
fsr-3421	240	23	)	)	PUNCT
fsr-3421	240	24	to	to	PART
fsr-3421	240	25	obtain	obtain	VERB
fsr-3421	240	26	authorization	authorization	NOUN
fsr-3421	240	27	to	to	PART
fsr-3421	240	28	give	give	VERB
fsr-3421	240	29	financial	financial	ADJ
fsr-3421	240	30	advice	advice	NOUN
fsr-3421	240	31	.	.	PUNCT
fsr-3421	241	1	from	from	ADP
fsr-3421	241	2	a	a	DET
fsr-3421	241	3	legal	legal	ADJ
fsr-3421	241	4	perspective	perspective	NOUN
fsr-3421	241	5	,	,	PUNCT
fsr-3421	241	6	the	the	DET
fsr-3421	241	7	licensee	licensee	NOUN
fsr-3421	241	8	will	will	AUX
fsr-3421	241	9	work	work	VERB
fsr-3421	241	10	as	as	ADP
fsr-3421	241	11	a	a	DET
fsr-3421	241	12	separate	separate	ADJ
fsr-3421	241	13	organization	organization	NOUN
fsr-3421	241	14	to	to	ADP
fsr-3421	241	15	the	the	DET
fsr-3421	241	16	financial	financial	ADJ
fsr-3421	241	17	product	product	NOUN
fsr-3421	241	18	provider	provider	NOUN
fsr-3421	241	19	.	.	PUNCT
fsr-3421	242	1	however	however	ADV
fsr-3421	242	2	,	,	PUNCT
fsr-3421	242	3	the	the	DET
fsr-3421	242	4	relationship	relationship	NOUN
fsr-3421	242	5	between	between	ADP
fsr-3421	242	6	the	the	DET
fsr-3421	242	7	fig	fig	NOUN
fsr-3421	242	8	.	.	PUNCT
fsr-3421	243	1	2	2	X
fsr-3421	243	2	.	.	X
fsr-3421	243	3	the	the	DET
fsr-3421	243	4	three	three	NUM
fsr-3421	243	5	business	business	NOUN
fsr-3421	243	6	models	model	NOUN
fsr-3421	243	7	of	of	ADP
fsr-3421	243	8	financial	financial	ADJ
fsr-3421	243	9	advice	advice	NOUN
fsr-3421	243	10	:	:	PUNCT
fsr-3421	243	11	licensees	licensee	NOUN
fsr-3421	243	12	,	,	PUNCT
fsr-3421	243	13	financial	financial	ADJ
fsr-3421	243	14	product	product	NOUN
fsr-3421	243	15	providers	provider	NOUN
fsr-3421	243	16	,	,	PUNCT
fsr-3421	243	17	and	and	CCONJ
fsr-3421	243	18	financial	financial	ADJ
fsr-3421	243	19	advisors	advisor	NOUN
fsr-3421	243	20	.	.	PUNCT
fsr-3421	244	1	144	144	NUM
fsr-3421	244	2	d.	d.	PROPN
fsr-3421	244	3	w.	w.	PROPN
fsr-3421	244	4	richards	richards	PROPN
fsr-3421	244	5	,	,	PUNCT
fsr-3421	244	6	e.	e.	PROPN
fsr-3421	244	7	f.	f.	PROPN
fsr-3421	244	8	morton	morton	PROPN
fsr-3421	244	9	/	/	SYM
fsr-3421	244	10	financial	financial	ADJ
fsr-3421	244	11	services	service	NOUN
fsr-3421	244	12	review	review	VERB
fsr-3421	244	13	28	28	NUM
fsr-3421	244	14	(	(	PUNCT
fsr-3421	244	15	2020	2020	NUM
fsr-3421	244	16	)	)	PUNCT
fsr-3421	244	17	133–158	133–158	NUM
fsr-3421	244	18	financial	financial	ADJ
fsr-3421	244	19	product	product	NOUN
fsr-3421	244	20	provider	provider	NOUN
fsr-3421	244	21	and	and	CCONJ
fsr-3421	244	22	licensee	licensee	NOUN
fsr-3421	244	23	varies	vary	VERB
fsr-3421	244	24	significantly	significantly	ADV
fsr-3421	244	25	in	in	ADP
fsr-3421	244	26	practice	practice	NOUN
fsr-3421	244	27	.	.	PUNCT
fsr-3421	245	1	at	at	ADP
fsr-3421	245	2	one	one	NUM
fsr-3421	245	3	end	end	NOUN
fsr-3421	245	4	of	of	ADP
fsr-3421	245	5	the	the	DET
fsr-3421	245	6	continuum	continuum	NOUN
fsr-3421	245	7	,	,	PUNCT
fsr-3421	245	8	the	the	DET
fsr-3421	245	9	licensee	licensee	NOUN
fsr-3421	245	10	is	be	AUX
fsr-3421	245	11	simply	simply	ADV
fsr-3421	245	12	a	a	DET
fsr-3421	245	13	subsidiary	subsidiary	NOUN
fsr-3421	245	14	of	of	ADP
fsr-3421	245	15	the	the	DET
fsr-3421	245	16	financial	financial	ADJ
fsr-3421	245	17	product	product	NOUN
fsr-3421	245	18	provider	provider	NOUN
fsr-3421	245	19	.	.	PUNCT
fsr-3421	246	1	consider	consider	VERB
fsr-3421	246	2	this	this	DET
fsr-3421	246	3	quote	quote	NOUN
fsr-3421	246	4	from	from	ADP
fsr-3421	246	5	a	a	DET
fsr-3421	246	6	financial	financial	ADJ
fsr-3421	246	7	planner	planner	NOUN
fsr-3421	246	8	working	work	VERB
fsr-3421	246	9	in	in	ADP
fsr-3421	246	10	model	model	NOUN
fsr-3421	246	11	2	2	NUM
fsr-3421	246	12	:	:	PUNCT
fsr-3421	246	13	there	there	PRON
fsr-3421	246	14	’s	’	VERB
fsr-3421	246	15	two	two	NUM
fsr-3421	246	16	types	type	NOUN
fsr-3421	246	17	of	of	ADP
fsr-3421	246	18	product	product	NOUN
fsr-3421	246	19	providers	provider	NOUN
fsr-3421	246	20	.	.	PUNCT
fsr-3421	247	1	there	there	PRON
fsr-3421	247	2	’s	’	VERB
fsr-3421	247	3	,	,	PUNCT
fsr-3421	247	4	i	i	PRON
fsr-3421	247	5	call	call	VERB
fsr-3421	247	6	them	they	PRON
fsr-3421	247	7	“	"	PUNCT
fsr-3421	247	8	internal	internal	ADJ
fsr-3421	247	9	”	"	PUNCT
fsr-3421	247	10	and	and	CCONJ
fsr-3421	247	11	“	"	PUNCT
fsr-3421	247	12	external	external	ADJ
fsr-3421	247	13	”	"	PUNCT
fsr-3421	247	14	.	.	PUNCT
fsr-3421	248	1	so	so	ADV
fsr-3421	248	2	,	,	PUNCT
fsr-3421	248	3	with	with	SCONJ
fsr-3421	248	4	my	my	PRON
fsr-3421	248	5	business	business	NOUN
fsr-3421	248	6	being	be	AUX
fsr-3421	248	7	licensed	license	VERB
fsr-3421	248	8	through	through	ADP
fsr-3421	248	9	[	[	PUNCT
fsr-3421	248	10	company	company	NOUN
fsr-3421	248	11	name	name	NOUN
fsr-3421	248	12	withheld	withhold	VERB
fsr-3421	248	13	;	;	PUNCT
fsr-3421	248	14	licensee	licensee	PROPN
fsr-3421	248	15	]	]	PUNCT
fsr-3421	249	1	any	any	PRON
fsr-3421	249	2	[	[	X
fsr-3421	249	3	company	company	NOUN
fsr-3421	249	4	name	name	NOUN
fsr-3421	249	5	withheld	withhold	VERB
fsr-3421	249	6	;	;	PUNCT
fsr-3421	249	7	product	product	NOUN
fsr-3421	249	8	provider	provider	NOUN
fsr-3421	249	9	]	]	PUNCT
fsr-3421	249	10	product	product	NOUN
fsr-3421	249	11	i	i	PRON
fsr-3421	249	12	consider	consider	VERB
fsr-3421	249	13	it	it	PRON
fsr-3421	249	14	internal	internal	ADJ
fsr-3421	249	15	,	,	PUNCT
fsr-3421	249	16	because	because	SCONJ
fsr-3421	249	17	[	[	X
fsr-3421	249	18	licensee	licensee	NOUN
fsr-3421	249	19	]	]	PUNCT
fsr-3421	249	20	are	be	AUX
fsr-3421	249	21	owned	own	VERB
fsr-3421	249	22	by	by	ADP
fsr-3421	249	23	[	[	X
fsr-3421	249	24	product	product	NOUN
fsr-3421	249	25	provider	provider	NOUN
fsr-3421	249	26	]	]	X
fsr-3421	249	27	,	,	PUNCT
fsr-3421	249	28	anything	anything	PRON
fsr-3421	249	29	else	else	ADV
fsr-3421	249	30	is	be	AUX
fsr-3421	249	31	external	external	ADJ
fsr-3421	249	32	.	.	PUNCT
fsr-3421	250	1	(	(	PUNCT
fsr-3421	250	2	participant	participant	NOUN
fsr-3421	250	3	7	7	NUM
fsr-3421	250	4	)	)	PUNCT
fsr-3421	250	5	in	in	ADP
fsr-3421	250	6	practical	practical	ADJ
fsr-3421	250	7	terms	term	NOUN
fsr-3421	250	8	,	,	PUNCT
fsr-3421	250	9	model	model	NOUN
fsr-3421	250	10	2	2	NUM
fsr-3421	250	11	resembles	resemble	NOUN
fsr-3421	250	12	model	model	NOUN
fsr-3421	250	13	1	1	NUM
fsr-3421	250	14	,	,	PUNCT
fsr-3421	250	15	with	with	ADP
fsr-3421	250	16	independence	independence	NOUN
fsr-3421	250	17	occurring	occur	VERB
fsr-3421	250	18	only	only	ADV
fsr-3421	250	19	in	in	ADP
fsr-3421	250	20	a	a	DET
fsr-3421	250	21	legal	legal	ADJ
fsr-3421	250	22	sense	sense	NOUN
fsr-3421	250	23	and	and	CCONJ
fsr-3421	250	24	not	not	PART
fsr-3421	250	25	as	as	ADP
fsr-3421	250	26	separate	separate	ADJ
fsr-3421	250	27	structures	structure	NOUN
fsr-3421	250	28	.	.	PUNCT
fsr-3421	251	1	in	in	ADP
fsr-3421	251	2	contrast	contrast	NOUN
fsr-3421	251	3	,	,	PUNCT
fsr-3421	251	4	at	at	ADP
fsr-3421	251	5	the	the	DET
fsr-3421	251	6	other	other	ADJ
fsr-3421	251	7	end	end	NOUN
fsr-3421	251	8	of	of	ADP
fsr-3421	251	9	the	the	DET
fsr-3421	251	10	continuum	continuum	PROPN
fsr-3421	251	11	,	,	PUNCT
fsr-3421	251	12	the	the	DET
fsr-3421	251	13	relationship	relationship	NOUN
fsr-3421	251	14	between	between	ADP
fsr-3421	251	15	the	the	DET
fsr-3421	251	16	financial	financial	ADJ
fsr-3421	251	17	product	product	NOUN
fsr-3421	251	18	provider	provider	NOUN
fsr-3421	251	19	and	and	CCONJ
fsr-3421	251	20	the	the	DET
fsr-3421	251	21	licensee	licensee	NOUN
fsr-3421	251	22	is	be	AUX
fsr-3421	251	23	independent	independent	ADJ
fsr-3421	251	24	.	.	PUNCT
fsr-3421	252	1	consider	consider	VERB
fsr-3421	252	2	this	this	DET
fsr-3421	252	3	quote	quote	NOUN
fsr-3421	252	4	from	from	ADP
fsr-3421	252	5	a	a	DET
fsr-3421	252	6	financial	financial	ADJ
fsr-3421	252	7	planner	planner	NOUN
fsr-3421	252	8	in	in	ADP
fsr-3421	252	9	model	model	NOUN
fsr-3421	252	10	2	2	NUM
fsr-3421	252	11	:	:	PUNCT
fsr-3421	252	12	you	you	PRON
fsr-3421	252	13	might	might	AUX
fsr-3421	252	14	use	use	VERB
fsr-3421	252	15	product	product	NOUN
fsr-3421	252	16	a	a	DET
fsr-3421	252	17	,	,	PUNCT
fsr-3421	252	18	b	b	NOUN
fsr-3421	252	19	,	,	PUNCT
fsr-3421	252	20	or	or	CCONJ
fsr-3421	252	21	c	c	NOUN
fsr-3421	252	22	,	,	PUNCT
fsr-3421	252	23	.	.	PUNCT
fsr-3421	252	24	.	.	PUNCT
fsr-3421	253	1	.	.	PUNCT
fsr-3421	254	1	you	you	PRON
fsr-3421	254	2	have	have	VERB
fsr-3421	254	3	a	a	DET
fsr-3421	254	4	relationship	relationship	NOUN
fsr-3421	254	5	with	with	ADP
fsr-3421	254	6	the	the	DET
fsr-3421	254	7	product	product	NOUN
fsr-3421	254	8	provider	provider	NOUN
fsr-3421	254	9	,	,	PUNCT
fsr-3421	254	10	you	you	PRON
fsr-3421	254	11	need	need	VERB
fsr-3421	254	12	to	to	PART
fsr-3421	254	13	know	know	VERB
fsr-3421	254	14	about	about	ADP
fsr-3421	254	15	it	it	PRON
fsr-3421	254	16	and	and	CCONJ
fsr-3421	254	17	these	these	DET
fsr-3421	254	18	types	type	NOUN
fsr-3421	254	19	of	of	ADP
fsr-3421	254	20	things	thing	NOUN
fsr-3421	254	21	,	,	PUNCT
fsr-3421	254	22	but	but	CCONJ
fsr-3421	254	23	there	there	PRON
fsr-3421	254	24	’s	’	VERB
fsr-3421	254	25	no	no	DET
fsr-3421	254	26	contractual	contractual	ADJ
fsr-3421	254	27	obligation	obligation	NOUN
fsr-3421	254	28	in	in	ADP
fsr-3421	254	29	any	any	DET
fsr-3421	254	30	way	way	NOUN
fsr-3421	254	31	,	,	PUNCT
fsr-3421	254	32	shape	shape	NOUN
fsr-3421	254	33	or	or	CCONJ
fsr-3421	254	34	form	form	NOUN
fsr-3421	254	35	to	to	PART
fsr-3421	254	36	use	use	VERB
fsr-3421	254	37	that	that	DET
fsr-3421	254	38	product	product	NOUN
fsr-3421	254	39	.	.	PUNCT
fsr-3421	255	1	(	(	PUNCT
fsr-3421	255	2	participant	participant	NOUN
fsr-3421	255	3	5	5	NUM
fsr-3421	255	4	)	)	PUNCT
fsr-3421	255	5	from	from	ADP
fsr-3421	255	6	a	a	DET
fsr-3421	255	7	client	client	NOUN
fsr-3421	255	8	’s	’s	PART
fsr-3421	255	9	point	point	NOUN
fsr-3421	255	10	of	of	ADP
fsr-3421	255	11	view	view	NOUN
fsr-3421	255	12	,	,	PUNCT
fsr-3421	255	13	the	the	DET
fsr-3421	255	14	relationship	relationship	NOUN
fsr-3421	255	15	between	between	ADP
fsr-3421	255	16	the	the	DET
fsr-3421	255	17	financial	financial	ADJ
fsr-3421	255	18	product	product	NOUN
fsr-3421	255	19	provider	provider	NOUN
fsr-3421	255	20	and	and	CCONJ
fsr-3421	255	21	licensee	licensee	NOUN
fsr-3421	255	22	is	be	AUX
fsr-3421	255	23	not	not	PART
fsr-3421	255	24	obvious	obvious	ADJ
fsr-3421	255	25	and	and	CCONJ
fsr-3421	255	26	it	it	PRON
fsr-3421	255	27	is	be	AUX
fsr-3421	255	28	difficult	difficult	ADJ
fsr-3421	255	29	to	to	PART
fsr-3421	255	30	ascertain	ascertain	VERB
fsr-3421	255	31	the	the	DET
fsr-3421	255	32	alignment	alignment	NOUN
fsr-3421	255	33	of	of	ADP
fsr-3421	255	34	financial	financial	ADJ
fsr-3421	255	35	advisors	advisor	NOUN
fsr-3421	255	36	with	with	ADP
fsr-3421	255	37	product	product	NOUN
fsr-3421	255	38	providers	provider	NOUN
fsr-3421	255	39	.	.	PUNCT
fsr-3421	256	1	clients	client	NOUN
fsr-3421	256	2	may	may	AUX
fsr-3421	256	3	not	not	PART
fsr-3421	256	4	be	be	AUX
fsr-3421	256	5	aware	aware	ADJ
fsr-3421	256	6	of	of	ADP
fsr-3421	256	7	this	this	DET
fsr-3421	256	8	structural	structural	ADJ
fsr-3421	256	9	relationship	relationship	NOUN
fsr-3421	256	10	until	until	SCONJ
fsr-3421	256	11	the	the	DET
fsr-3421	256	12	product	product	NOUN
fsr-3421	256	13	provider	provider	NOUN
fsr-3421	256	14	is	be	AUX
fsr-3421	256	15	disclosed	disclose	VERB
fsr-3421	256	16	in	in	ADP
fsr-3421	256	17	documentation	documentation	NOUN
fsr-3421	256	18	and	and	CCONJ
fsr-3421	256	19	may	may	AUX
fsr-3421	256	20	not	not	PART
fsr-3421	256	21	appreciate	appreciate	VERB
fsr-3421	256	22	that	that	SCONJ
fsr-3421	256	23	nature	nature	NOUN
fsr-3421	256	24	of	of	ADP
fsr-3421	256	25	this	this	DET
fsr-3421	256	26	relationship	relationship	NOUN
fsr-3421	256	27	.	.	PUNCT
fsr-3421	257	1	nonetheless	nonetheless	ADV
fsr-3421	257	2	,	,	PUNCT
fsr-3421	257	3	business	business	NOUN
fsr-3421	257	4	model	model	NOUN
fsr-3421	257	5	2	2	NUM
fsr-3421	257	6	is	be	AUX
fsr-3421	257	7	orientated	orientate	VERB
fsr-3421	257	8	towards	towards	ADP
fsr-3421	257	9	providing	provide	VERB
fsr-3421	257	10	personal	personal	ADJ
fsr-3421	257	11	advice	advice	NOUN
fsr-3421	257	12	rather	rather	ADV
fsr-3421	257	13	than	than	ADP
fsr-3421	257	14	product	product	NOUN
fsr-3421	257	15	advice	advice	NOUN
fsr-3421	257	16	.	.	PUNCT
fsr-3421	258	1	it	it	PRON
fsr-3421	258	2	is	be	AUX
fsr-3421	258	3	important	important	ADJ
fsr-3421	258	4	to	to	PART
fsr-3421	258	5	note	note	VERB
fsr-3421	258	6	that	that	SCONJ
fsr-3421	258	7	there	there	PRON
fsr-3421	258	8	are	be	VERB
fsr-3421	258	9	pressures	pressure	NOUN
fsr-3421	258	10	on	on	ADP
fsr-3421	258	11	licensees	licensee	NOUN
fsr-3421	258	12	to	to	PART
fsr-3421	258	13	align	align	VERB
fsr-3421	258	14	with	with	ADP
fsr-3421	258	15	product	product	NOUN
fsr-3421	258	16	providers	provider	NOUN
fsr-3421	258	17	and	and	CCONJ
fsr-3421	258	18	not	not	PART
fsr-3421	258	19	be	be	AUX
fsr-3421	258	20	independent	independent	ADJ
fsr-3421	258	21	.	.	PUNCT
fsr-3421	259	1	this	this	PRON
fsr-3421	259	2	is	be	AUX
fsr-3421	259	3	noted	note	VERB
fsr-3421	259	4	by	by	ADP
fsr-3421	259	5	this	this	DET
fsr-3421	259	6	quote	quote	NOUN
fsr-3421	259	7	:	:	PUNCT
fsr-3421	259	8	it	it	PRON
fsr-3421	259	9	is	be	AUX
fsr-3421	259	10	difficult	difficult	ADJ
fsr-3421	259	11	to	to	PART
fsr-3421	259	12	run	run	VERB
fsr-3421	259	13	a	a	DET
fsr-3421	259	14	profitable	profitable	ADJ
fsr-3421	259	15	dealer	dealer	NOUN
fsr-3421	259	16	group	group	NOUN
fsr-3421	259	17	(	(	PUNCT
fsr-3421	259	18	licensee	licensee	PROPN
fsr-3421	259	19	)	)	PUNCT
fsr-3421	259	20	in	in	ADP
fsr-3421	259	21	financial	financial	ADJ
fsr-3421	259	22	planning	planning	NOUN
fsr-3421	259	23	.	.	PUNCT
fsr-3421	260	1	so	so	ADV
fsr-3421	260	2	you	you	PRON
fsr-3421	260	3	do	do	AUX
fsr-3421	260	4	often	often	ADV
fsr-3421	260	5	need	need	VERB
fsr-3421	260	6	to	to	PART
fsr-3421	260	7	create	create	VERB
fsr-3421	260	8	some	some	DET
fsr-3421	260	9	sort	sort	NOUN
fsr-3421	260	10	of	of	ADP
fsr-3421	260	11	deals	deal	NOUN
fsr-3421	260	12	,	,	PUNCT
fsr-3421	260	13	that	that	PRON
fsr-3421	260	14	is	be	AUX
fsr-3421	260	15	where	where	SCONJ
fsr-3421	260	16	the	the	DET
fsr-3421	260	17	pressure	pressure	NOUN
fsr-3421	260	18	comes	come	VERB
fsr-3421	260	19	.	.	PUNCT
fsr-3421	260	20	.	.	PUNCT
fsr-3421	260	21	.	.	PUNCT
fsr-3421	261	1	it	it	PRON
fsr-3421	261	2	is	be	AUX
fsr-3421	261	3	very	very	ADV
fsr-3421	261	4	hard	hard	ADJ
fsr-3421	261	5	for	for	ADP
fsr-3421	261	6	independent	independent	ADJ
fsr-3421	261	7	dealer	dealer	NOUN
fsr-3421	261	8	groups	group	NOUN
fsr-3421	261	9	.	.	PUNCT
fsr-3421	261	10	.	.	PUNCT
fsr-3421	261	11	.	.	PUNCT
fsr-3421	262	1	where	where	SCONJ
fsr-3421	262	2	the	the	DET
fsr-3421	262	3	only	only	ADJ
fsr-3421	262	4	revenue	revenue	NOUN
fsr-3421	262	5	they	they	PRON
fsr-3421	262	6	would	would	AUX
fsr-3421	262	7	be	be	AUX
fsr-3421	262	8	getting	get	VERB
fsr-3421	262	9	is	be	AUX
fsr-3421	262	10	from	from	ADP
fsr-3421	262	11	advisor	advisor	NOUN
fsr-3421	262	12	only	only	ADV
fsr-3421	262	13	.	.	PUNCT
fsr-3421	262	14	.	.	PUNCT
fsr-3421	263	1	.	.	PUNCT
fsr-3421	264	1	you	you	PRON
fsr-3421	264	2	have	have	VERB
fsr-3421	264	3	to	to	PART
fsr-3421	264	4	come	come	VERB
fsr-3421	264	5	up	up	ADP
fsr-3421	264	6	with	with	ADP
fsr-3421	264	7	arrangements	arrangement	NOUN
fsr-3421	264	8	,	,	PUNCT
fsr-3421	264	9	that	that	PRON
fsr-3421	264	10	can	can	AUX
fsr-3421	264	11	add	add	VERB
fsr-3421	264	12	to	to	ADP
fsr-3421	264	13	the	the	DET
fsr-3421	264	14	bottom	bottom	ADJ
fsr-3421	264	15	line	line	NOUN
fsr-3421	264	16	or	or	CCONJ
fsr-3421	264	17	they	they	PRON
fsr-3421	264	18	can	can	AUX
fsr-3421	264	19	pass	pass	VERB
fsr-3421	264	20	onto	onto	ADP
fsr-3421	264	21	advisors	advisor	NOUN
fsr-3421	264	22	for	for	ADP
fsr-3421	264	23	better	well	ADJ
fsr-3421	264	24	fees	fee	NOUN
fsr-3421	264	25	or	or	CCONJ
fsr-3421	264	26	whatever	whatever	NOUN
fsr-3421	264	27	.	.	PUNCT
fsr-3421	265	1	(	(	PUNCT
fsr-3421	265	2	participant	participant	NOUN
fsr-3421	265	3	2	2	NUM
fsr-3421	265	4	)	)	PUNCT
fsr-3421	265	5	4.2.3	4.2.3	NUM
fsr-3421	265	6	.	.	PUNCT
fsr-3421	266	1	licensee	licensee	PROPN
fsr-3421	266	2	and	and	CCONJ
fsr-3421	266	3	advisor	advisor	NOUN
fsr-3421	266	4	are	be	AUX
fsr-3421	266	5	the	the	DET
fsr-3421	266	6	same	same	ADJ
fsr-3421	266	7	organization	organization	NOUN
fsr-3421	266	8	the	the	DET
fsr-3421	266	9	final	final	ADJ
fsr-3421	266	10	model	model	NOUN
fsr-3421	266	11	is	be	AUX
fsr-3421	266	12	model	model	NOUN
fsr-3421	266	13	3	3	NUM
fsr-3421	266	14	,	,	PUNCT
fsr-3421	266	15	which	which	PRON
fsr-3421	266	16	involves	involve	VERB
fsr-3421	266	17	a	a	DET
fsr-3421	266	18	financial	financial	ADJ
fsr-3421	266	19	advisor	advisor	NOUN
fsr-3421	266	20	’s	’s	PART
fsr-3421	266	21	organization	organization	NOUN
fsr-3421	266	22	,	,	PUNCT
fsr-3421	266	23	or	or	CCONJ
fsr-3421	266	24	the	the	DET
fsr-3421	266	25	financial	financial	ADJ
fsr-3421	266	26	advisor	advisor	NOUN
fsr-3421	266	27	themselves	themselves	PRON
fsr-3421	266	28	,	,	PUNCT
fsr-3421	266	29	obtaining	obtain	VERB
fsr-3421	266	30	their	their	PRON
fsr-3421	266	31	own	own	ADJ
fsr-3421	266	32	financial	financial	ADJ
fsr-3421	266	33	services	service	NOUN
fsr-3421	266	34	license	license	NOUN
fsr-3421	266	35	and	and	CCONJ
fsr-3421	266	36	then	then	ADV
fsr-3421	266	37	forming	form	VERB
fsr-3421	266	38	a	a	DET
fsr-3421	266	39	relationship	relationship	NOUN
fsr-3421	266	40	with	with	ADP
fsr-3421	266	41	one	one	NUM
fsr-3421	266	42	or	or	CCONJ
fsr-3421	266	43	many	many	ADJ
fsr-3421	266	44	financial	financial	ADJ
fsr-3421	266	45	product	product	NOUN
fsr-3421	266	46	providers	provider	NOUN
fsr-3421	266	47	to	to	PART
fsr-3421	266	48	recommend	recommend	VERB
fsr-3421	266	49	products	product	NOUN
fsr-3421	266	50	.	.	PUNCT
fsr-3421	267	1	consider	consider	VERB
fsr-3421	267	2	this	this	DET
fsr-3421	267	3	quote	quote	NOUN
fsr-3421	267	4	from	from	ADP
fsr-3421	267	5	a	a	DET
fsr-3421	267	6	financial	financial	ADJ
fsr-3421	267	7	planner	planner	NOUN
fsr-3421	267	8	:	:	PUNCT
fsr-3421	267	9	i	i	PRON
fsr-3421	267	10	think	think	VERB
fsr-3421	267	11	independence	independence	NOUN
fsr-3421	267	12	is	be	AUX
fsr-3421	267	13	really	really	ADV
fsr-3421	267	14	important	important	ADJ
fsr-3421	267	15	.	.	PUNCT
fsr-3421	268	1	so	so	ADV
fsr-3421	268	2	we	we	PRON
fsr-3421	268	3	have	have	VERB
fsr-3421	268	4	our	our	PRON
fsr-3421	268	5	own	own	ADJ
fsr-3421	268	6	license	license	NOUN
fsr-3421	268	7	and	and	CCONJ
fsr-3421	268	8	we	we	PRON
fsr-3421	268	9	have	have	VERB
fsr-3421	268	10	from	from	ADP
fsr-3421	268	11	the	the	DET
fsr-3421	268	12	start	start	NOUN
fsr-3421	268	13	.	.	PUNCT
fsr-3421	268	14	.	.	PUNCT
fsr-3421	269	1	..	..	PUNCT
fsr-3421	270	1	i	i	PRON
fsr-3421	270	2	think	think	VERB
fsr-3421	270	3	being	be	AUX
fsr-3421	270	4	independent	independent	ADJ
fsr-3421	270	5	and	and	CCONJ
fsr-3421	270	6	not	not	PART
fsr-3421	270	7	being	be	AUX
fsr-3421	270	8	incentivized	incentivize	VERB
fsr-3421	270	9	to	to	PART
fsr-3421	270	10	recommend	recommend	VERB
fsr-3421	270	11	a	a	DET
fsr-3421	270	12	particular	particular	ADJ
fsr-3421	270	13	product	product	NOUN
fsr-3421	270	14	or	or	CCONJ
fsr-3421	270	15	strategy	strategy	NOUN
fsr-3421	270	16	to	to	ADP
fsr-3421	270	17	a	a	DET
fsr-3421	270	18	client	client	NOUN
fsr-3421	270	19	is	be	AUX
fsr-3421	270	20	most	most	ADV
fsr-3421	270	21	important	important	ADJ
fsr-3421	270	22	.	.	PUNCT
fsr-3421	271	1	(	(	PUNCT
fsr-3421	271	2	participant	participant	ADJ
fsr-3421	271	3	1	1	NUM
fsr-3421	271	4	)	)	PUNCT
fsr-3421	271	5	model	model	NOUN
fsr-3421	271	6	3	3	NUM
fsr-3421	271	7	can	can	AUX
fsr-3421	271	8	be	be	AUX
fsr-3421	271	9	seen	see	VERB
fsr-3421	271	10	as	as	ADP
fsr-3421	271	11	the	the	DET
fsr-3421	271	12	most	most	ADV
fsr-3421	271	13	independent	independent	ADJ
fsr-3421	271	14	model	model	NOUN
fsr-3421	271	15	of	of	ADP
fsr-3421	271	16	financial	financial	ADJ
fsr-3421	271	17	advice	advice	NOUN
fsr-3421	271	18	because	because	SCONJ
fsr-3421	271	19	the	the	DET
fsr-3421	271	20	licensee	licensee	NOUN
fsr-3421	271	21	is	be	AUX
fsr-3421	271	22	not	not	PART
fsr-3421	271	23	aligned	align	VERB
fsr-3421	271	24	with	with	ADP
fsr-3421	271	25	any	any	DET
fsr-3421	271	26	financial	financial	ADJ
fsr-3421	271	27	product	product	NOUN
fsr-3421	271	28	provider	provider	NOUN
fsr-3421	271	29	,	,	PUNCT
fsr-3421	271	30	but	but	CCONJ
fsr-3421	271	31	the	the	DET
fsr-3421	271	32	licensee	licensee	NOUN
fsr-3421	271	33	is	be	AUX
fsr-3421	271	34	aligned	align	VERB
fsr-3421	271	35	with	with	ADP
fsr-3421	271	36	the	the	DET
fsr-3421	271	37	financial	financial	ADJ
fsr-3421	271	38	advisors	advisor	NOUN
fsr-3421	271	39	.	.	PUNCT
fsr-3421	272	1	it	it	PRON
fsr-3421	272	2	is	be	AUX
fsr-3421	272	3	common	common	ADJ
fsr-3421	272	4	in	in	ADP
fsr-3421	272	5	this	this	DET
fsr-3421	272	6	model	model	NOUN
fsr-3421	272	7	that	that	SCONJ
fsr-3421	272	8	the	the	DET
fsr-3421	272	9	financial	financial	ADJ
fsr-3421	272	10	advisor	advisor	NOUN
fsr-3421	272	11	will	will	AUX
fsr-3421	272	12	operate	operate	VERB
fsr-3421	272	13	in	in	ADP
fsr-3421	272	14	a	a	DET
fsr-3421	272	15	feefor	feefor	ADJ
fsr-3421	272	16	-	-	PUNCT
fsr-3421	272	17	service	service	NOUN
fsr-3421	272	18	model	model	NOUN
fsr-3421	272	19	to	to	PART
fsr-3421	272	20	remove	remove	VERB
fsr-3421	272	21	remuneration	remuneration	NOUN
fsr-3421	272	22	from	from	ADP
fsr-3421	272	23	product	product	NOUN
fsr-3421	272	24	providers	provider	NOUN
fsr-3421	272	25	and	and	CCONJ
fsr-3421	272	26	reduce	reduce	VERB
fsr-3421	272	27	conflicts	conflict	NOUN
fsr-3421	272	28	of	of	ADP
fsr-3421	272	29	d.	d.	PROPN
fsr-3421	272	30	w.	w.	PROPN
fsr-3421	272	31	richards	richards	PROPN
fsr-3421	272	32	,	,	PUNCT
fsr-3421	272	33	e.	e.	PROPN
fsr-3421	272	34	f.	f.	PROPN
fsr-3421	272	35	morton	morton	PROPN
fsr-3421	272	36	/	/	SYM
fsr-3421	272	37	financial	financial	ADJ
fsr-3421	272	38	services	service	NOUN
fsr-3421	272	39	review	review	VERB
fsr-3421	272	40	28	28	NUM
fsr-3421	272	41	(	(	PUNCT
fsr-3421	272	42	2020	2020	NUM
fsr-3421	272	43	)	)	PUNCT
fsr-3421	272	44	133–158	133–158	NUM
fsr-3421	272	45	145	145	NUM
fsr-3421	272	46	interest	interest	NOUN
fsr-3421	272	47	.	.	PUNCT
fsr-3421	273	1	this	this	DET
fsr-3421	273	2	model	model	NOUN
fsr-3421	273	3	also	also	ADV
fsr-3421	273	4	specializes	specialize	VERB
fsr-3421	273	5	in	in	ADP
fsr-3421	273	6	giving	give	VERB
fsr-3421	273	7	personal	personal	ADJ
fsr-3421	273	8	advice	advice	NOUN
fsr-3421	273	9	rather	rather	ADV
fsr-3421	273	10	product	product	NOUN
fsr-3421	273	11	advice	advice	NOUN
fsr-3421	273	12	.	.	PUNCT
fsr-3421	274	1	however	however	ADV
fsr-3421	274	2	,	,	PUNCT
fsr-3421	274	3	in	in	ADP
fsr-3421	274	4	contrast	contrast	NOUN
fsr-3421	274	5	with	with	ADP
fsr-3421	274	6	the	the	DET
fsr-3421	274	7	first	first	ADJ
fsr-3421	274	8	two	two	NUM
fsr-3421	274	9	models	model	NOUN
fsr-3421	274	10	,	,	PUNCT
fsr-3421	274	11	model	model	NOUN
fsr-3421	274	12	3	3	NUM
fsr-3421	274	13	involves	involve	VERB
fsr-3421	274	14	more	more	ADJ
fsr-3421	274	15	costs	cost	NOUN
fsr-3421	274	16	for	for	ADP
fsr-3421	274	17	the	the	DET
fsr-3421	274	18	financial	financial	ADJ
fsr-3421	274	19	advisor	advisor	NOUN
fsr-3421	274	20	as	as	SCONJ
fsr-3421	274	21	they	they	PRON
fsr-3421	274	22	incur	incur	VERB
fsr-3421	274	23	the	the	DET
fsr-3421	274	24	cost	cost	NOUN
fsr-3421	274	25	of	of	ADP
fsr-3421	274	26	obtaining	obtain	VERB
fsr-3421	274	27	a	a	DET
fsr-3421	274	28	license	license	NOUN
fsr-3421	274	29	.	.	PUNCT
fsr-3421	275	1	it	it	PRON
fsr-3421	275	2	also	also	ADV
fsr-3421	275	3	contains	contain	VERB
fsr-3421	275	4	the	the	DET
fsr-3421	275	5	highest	high	ADJ
fsr-3421	275	6	amount	amount	NOUN
fsr-3421	275	7	of	of	ADP
fsr-3421	275	8	upfront	upfront	ADJ
fsr-3421	275	9	expense	expense	NOUN
fsr-3421	275	10	for	for	ADP
fsr-3421	275	11	a	a	DET
fsr-3421	275	12	client	client	NOUN
fsr-3421	275	13	whose	whose	DET
fsr-3421	275	14	fee	fee	NOUN
fsr-3421	275	15	will	will	AUX
fsr-3421	275	16	be	be	AUX
fsr-3421	275	17	paying	pay	VERB
fsr-3421	275	18	for	for	ADP
fsr-3421	275	19	the	the	DET
fsr-3421	275	20	financial	financial	ADJ
fsr-3421	275	21	advisor	advisor	NOUN
fsr-3421	275	22	to	to	PART
fsr-3421	275	23	comply	comply	VERB
fsr-3421	275	24	with	with	ADP
fsr-3421	275	25	regulations	regulation	NOUN
fsr-3421	275	26	.	.	PUNCT
fsr-3421	276	1	in	in	ADP
fsr-3421	276	2	summary	summary	NOUN
fsr-3421	276	3	,	,	PUNCT
fsr-3421	276	4	of	of	ADP
fsr-3421	276	5	the	the	DET
fsr-3421	276	6	three	three	NUM
fsr-3421	276	7	business	business	NOUN
fsr-3421	276	8	models	model	NOUN
fsr-3421	276	9	,	,	PUNCT
fsr-3421	276	10	model	model	NOUN
fsr-3421	276	11	3	3	NUM
fsr-3421	276	12	will	will	AUX
fsr-3421	276	13	most	most	ADV
fsr-3421	276	14	likely	likely	ADV
fsr-3421	276	15	enable	enable	VERB
fsr-3421	276	16	best	good	ADJ
fsr-3421	276	17	interest	interest	NOUN
fsr-3421	276	18	practice	practice	NOUN
fsr-3421	276	19	to	to	PART
fsr-3421	276	20	occur	occur	VERB
fsr-3421	276	21	as	as	ADP
fsr-3421	276	22	obtaining	obtain	VERB
fsr-3421	276	23	an	an	DET
fsr-3421	276	24	individual	individual	ADJ
fsr-3421	276	25	license	license	NOUN
fsr-3421	276	26	removes	remove	VERB
fsr-3421	276	27	the	the	DET
fsr-3421	276	28	alignment	alignment	NOUN
fsr-3421	276	29	of	of	ADP
fsr-3421	276	30	a	a	DET
fsr-3421	276	31	financial	financial	ADJ
fsr-3421	276	32	advisor	advisor	NOUN
fsr-3421	276	33	from	from	ADP
fsr-3421	276	34	a	a	DET
fsr-3421	276	35	product	product	NOUN
fsr-3421	276	36	provider	provider	NOUN
fsr-3421	276	37	.	.	PUNCT
fsr-3421	277	1	however	however	ADV
fsr-3421	277	2	,	,	PUNCT
fsr-3421	277	3	this	this	DET
fsr-3421	277	4	model	model	NOUN
fsr-3421	277	5	is	be	AUX
fsr-3421	277	6	the	the	DET
fsr-3421	277	7	least	least	ADV
fsr-3421	277	8	common	common	ADJ
fsr-3421	277	9	:	:	PUNCT
fsr-3421	277	10	approximately	approximately	ADV
fsr-3421	277	11	85	85	NUM
fsr-3421	277	12	%	%	NOUN
fsr-3421	277	13	of	of	ADP
fsr-3421	277	14	financial	financial	ADJ
fsr-3421	277	15	advisers	adviser	NOUN
fsr-3421	277	16	are	be	AUX
fsr-3421	277	17	associated	associate	VERB
fsr-3421	277	18	with	with	ADP
fsr-3421	277	19	a	a	DET
fsr-3421	277	20	product	product	NOUN
fsr-3421	277	21	manufacturer	manufacturer	NOUN
fsr-3421	277	22	,	,	PUNCT
fsr-3421	277	23	so	so	SCONJ
fsr-3421	277	24	that	that	SCONJ
fsr-3421	277	25	many	many	ADJ
fsr-3421	277	26	advisers	adviser	NOUN
fsr-3421	277	27	effectively	effectively	ADV
fsr-3421	277	28	act	act	VERB
fsr-3421	277	29	as	as	ADP
fsr-3421	277	30	a	a	DET
fsr-3421	277	31	product	product	NOUN
fsr-3421	277	32	pipeline	pipeline	NOUN
fsr-3421	277	33	.	.	PUNCT
fsr-3421	278	1	of	of	ADP
fsr-3421	278	2	the	the	DET
fsr-3421	278	3	remainder	remainder	NOUN
fsr-3421	278	4	,	,	PUNCT
fsr-3421	278	5	the	the	DET
fsr-3421	278	6	vast	vast	ADJ
fsr-3421	278	7	majority	majority	NOUN
fsr-3421	278	8	receive	receive	VERB
fsr-3421	278	9	commissions	commission	NOUN
fsr-3421	278	10	from	from	ADP
fsr-3421	278	11	product	product	NOUN
fsr-3421	278	12	manufacturers	manufacturer	NOUN
fsr-3421	278	13	and	and	CCONJ
fsr-3421	278	14	so	so	ADV
fsr-3421	278	15	have	have	VERB
fsr-3421	278	16	incentives	incentive	NOUN
fsr-3421	278	17	to	to	PART
fsr-3421	278	18	sell	sell	VERB
fsr-3421	278	19	products	product	NOUN
fsr-3421	278	20	.	.	PUNCT
fsr-3421	279	1	(	(	PUNCT
fsr-3421	279	2	report	report	VERB
fsr-3421	279	3	6	6	NUM
fsr-3421	279	4	:	:	SYM
fsr-3421	279	5	70	70	NUM
fsr-3421	279	6	)	)	PUNCT
fsr-3421	279	7	despite	despite	SCONJ
fsr-3421	279	8	this	this	PRON
fsr-3421	279	9	,	,	PUNCT
fsr-3421	279	10	calls	call	VERB
fsr-3421	279	11	to	to	ADP
fsr-3421	279	12	individually	individually	ADV
fsr-3421	279	13	license	license	VERB
fsr-3421	279	14	financial	financial	ADJ
fsr-3421	279	15	advisors	advisor	NOUN
fsr-3421	279	16	have	have	AUX
fsr-3421	279	17	not	not	PART
fsr-3421	279	18	been	be	AUX
fsr-3421	279	19	endorsed	endorse	VERB
fsr-3421	279	20	by	by	ADP
fsr-3421	279	21	parliamentary	parliamentary	ADJ
fsr-3421	279	22	enquiries	enquiry	NOUN
fsr-3421	279	23	into	into	ADP
fsr-3421	279	24	financial	financial	ADJ
fsr-3421	279	25	advice	advice	NOUN
fsr-3421	279	26	.	.	PUNCT
fsr-3421	280	1	the	the	DET
fsr-3421	280	2	organizational	organizational	ADJ
fsr-3421	280	3	context	context	NOUN
fsr-3421	280	4	and	and	CCONJ
fsr-3421	280	5	the	the	DET
fsr-3421	280	6	licensee	licensee	NOUN
fsr-3421	280	7	in	in	ADP
fsr-3421	280	8	particular	particular	ADJ
fsr-3421	280	9	can	can	AUX
fsr-3421	280	10	be	be	AUX
fsr-3421	280	11	considered	consider	VERB
fsr-3421	280	12	the	the	DET
fsr-3421	280	13	primary	primary	ADJ
fsr-3421	280	14	influence	influence	NOUN
fsr-3421	280	15	over	over	ADP
fsr-3421	280	16	the	the	DET
fsr-3421	280	17	financial	financial	ADJ
fsr-3421	280	18	advisor	advisor	NOUN
fsr-3421	280	19	’s	’s	PART
fsr-3421	280	20	financial	financial	ADJ
fsr-3421	280	21	advice	advice	NOUN
fsr-3421	280	22	due	due	ADJ
fsr-3421	280	23	to	to	ADP
fsr-3421	280	24	having	have	VERB
fsr-3421	280	25	the	the	DET
fsr-3421	280	26	most	most	ADJ
fsr-3421	280	27	power	power	NOUN
fsr-3421	280	28	to	to	PART
fsr-3421	280	29	influence	influence	NOUN
fsr-3421	280	30	practices	practice	NOUN
fsr-3421	280	31	.	.	PUNCT
fsr-3421	281	1	however	however	ADV
fsr-3421	281	2	,	,	PUNCT
fsr-3421	281	3	in	in	ADP
fsr-3421	281	4	addition	addition	NOUN
fsr-3421	281	5	to	to	ADP
fsr-3421	281	6	the	the	DET
fsr-3421	281	7	organizational	organizational	ADJ
fsr-3421	281	8	context	context	NOUN
fsr-3421	281	9	,	,	PUNCT
fsr-3421	281	10	there	there	PRON
fsr-3421	281	11	is	be	VERB
fsr-3421	281	12	a	a	DET
fsr-3421	281	13	secondary	secondary	ADJ
fsr-3421	281	14	influence	influence	NOUN
fsr-3421	281	15	stemming	stem	VERB
fsr-3421	281	16	from	from	ADP
fsr-3421	281	17	external	external	ADJ
fsr-3421	281	18	stakeholders	stakeholder	NOUN
fsr-3421	281	19	that	that	PRON
fsr-3421	281	20	shape	shape	VERB
fsr-3421	281	21	financial	financial	ADJ
fsr-3421	281	22	advice	advice	NOUN
fsr-3421	281	23	practices	practice	NOUN
fsr-3421	281	24	.	.	PUNCT
fsr-3421	282	1	these	these	DET
fsr-3421	282	2	stakeholders	stakeholder	NOUN
fsr-3421	282	3	seek	seek	VERB
fsr-3421	282	4	to	to	PART
fsr-3421	282	5	create	create	VERB
fsr-3421	282	6	or	or	CCONJ
fsr-3421	282	7	influence	influence	VERB
fsr-3421	282	8	a	a	DET
fsr-3421	282	9	client	client	NOUN
fsr-3421	282	10	’s	’s	PART
fsr-3421	282	11	best	good	ADJ
fsr-3421	282	12	interest	interest	NOUN
fsr-3421	282	13	practice	practice	NOUN
fsr-3421	282	14	in	in	ADP
fsr-3421	282	15	financial	financial	ADJ
fsr-3421	282	16	advice	advice	NOUN
fsr-3421	282	17	;	;	PUNCT
fsr-3421	282	18	however	however	ADV
fsr-3421	282	19	,	,	PUNCT
fsr-3421	282	20	experience	experience	NOUN
fsr-3421	282	21	corresponding	correspond	VERB
fsr-3421	282	22	impediments	impediment	NOUN
fsr-3421	282	23	created	create	VERB
fsr-3421	282	24	by	by	ADP
fsr-3421	282	25	the	the	DET
fsr-3421	282	26	particular	particular	ADJ
fsr-3421	282	27	business	business	NOUN
fsr-3421	282	28	models	model	NOUN
fsr-3421	282	29	.	.	PUNCT
fsr-3421	283	1	4.3	4.3	NUM
fsr-3421	283	2	.	.	PUNCT
fsr-3421	283	3	external	external	ADJ
fsr-3421	283	4	stakeholders	stakeholder	NOUN
fsr-3421	283	5	advocating	advocate	VERB
fsr-3421	283	6	best	good	ADJ
fsr-3421	283	7	interest	interest	NOUN
fsr-3421	283	8	practice	practice	NOUN
fsr-3421	283	9	wider	wide	ADJ
fsr-3421	283	10	contextual	contextual	ADJ
fsr-3421	283	11	influences	influence	NOUN
fsr-3421	283	12	beyond	beyond	ADP
fsr-3421	283	13	the	the	DET
fsr-3421	283	14	employing	employ	VERB
fsr-3421	283	15	financial	financial	ADJ
fsr-3421	283	16	institution	institution	NOUN
fsr-3421	283	17	and	and	CCONJ
fsr-3421	283	18	product	product	NOUN
fsr-3421	283	19	providers	provider	NOUN
fsr-3421	283	20	can	can	AUX
fsr-3421	283	21	impact	impact	VERB
fsr-3421	283	22	how	how	SCONJ
fsr-3421	283	23	financial	financial	ADJ
fsr-3421	283	24	advice	advice	NOUN
fsr-3421	283	25	is	be	AUX
fsr-3421	283	26	provided	provide	VERB
fsr-3421	283	27	.	.	PUNCT
fsr-3421	284	1	whilst	whilst	SCONJ
fsr-3421	284	2	there	there	PRON
fsr-3421	284	3	will	will	AUX
fsr-3421	284	4	be	be	AUX
fsr-3421	284	5	multiple	multiple	ADJ
fsr-3421	284	6	,	,	PUNCT
fsr-3421	284	7	cultural	cultural	ADJ
fsr-3421	284	8	and	and	CCONJ
fsr-3421	284	9	institutional	institutional	ADJ
fsr-3421	284	10	elements	element	NOUN
fsr-3421	284	11	which	which	PRON
fsr-3421	284	12	impact	impact	VERB
fsr-3421	284	13	financial	financial	ADJ
fsr-3421	284	14	advice	advice	NOUN
fsr-3421	284	15	,	,	PUNCT
fsr-3421	284	16	in	in	ADP
fsr-3421	284	17	this	this	DET
fsr-3421	284	18	review	review	NOUN
fsr-3421	284	19	,	,	PUNCT
fsr-3421	284	20	we	we	PRON
fsr-3421	284	21	focus	focus	VERB
fsr-3421	284	22	the	the	DET
fsr-3421	284	23	search	search	NOUN
fsr-3421	284	24	towards	towards	ADP
fsr-3421	284	25	those	those	DET
fsr-3421	284	26	people	people	NOUN
fsr-3421	284	27	,	,	PUNCT
fsr-3421	284	28	organizations	organization	NOUN
fsr-3421	284	29	or	or	CCONJ
fsr-3421	284	30	government	government	NOUN
fsr-3421	284	31	that	that	PRON
fsr-3421	284	32	aim	aim	VERB
fsr-3421	284	33	to	to	PART
fsr-3421	284	34	implement	implement	VERB
fsr-3421	284	35	client	client	NOUN
fsr-3421	284	36	’s	’s	PART
fsr-3421	284	37	best	good	ADJ
fsr-3421	284	38	interest	interest	NOUN
fsr-3421	284	39	practice	practice	NOUN
fsr-3421	284	40	on	on	ADP
fsr-3421	284	41	financial	financial	ADJ
fsr-3421	284	42	advisors	advisor	NOUN
fsr-3421	284	43	.	.	PUNCT
fsr-3421	285	1	analysis	analysis	NOUN
fsr-3421	285	2	of	of	ADP
fsr-3421	285	3	the	the	DET
fsr-3421	285	4	interview	interview	NOUN
fsr-3421	285	5	data	datum	NOUN
fsr-3421	285	6	narrowed	narrow	VERB
fsr-3421	285	7	this	this	DET
fsr-3421	285	8	search	search	NOUN
fsr-3421	285	9	down	down	ADP
fsr-3421	285	10	to	to	ADP
fsr-3421	285	11	clients	client	NOUN
fsr-3421	285	12	,	,	PUNCT
fsr-3421	285	13	professional	professional	ADJ
fsr-3421	285	14	bodies	body	NOUN
fsr-3421	285	15	,	,	PUNCT
fsr-3421	285	16	ombudsman	ombudsman	NOUN
fsr-3421	285	17	,	,	PUNCT
fsr-3421	285	18	education	education	NOUN
fsr-3421	285	19	providers	provider	NOUN
fsr-3421	285	20	,	,	PUNCT
fsr-3421	285	21	and	and	CCONJ
fsr-3421	285	22	the	the	DET
fsr-3421	285	23	government	government	NOUN
fsr-3421	285	24	(	(	PUNCT
fsr-3421	285	25	fig	fig	NOUN
fsr-3421	285	26	.	.	PUNCT
fsr-3421	286	1	3	3	NUM
fsr-3421	286	2	)	)	PUNCT
fsr-3421	286	3	.	.	PUNCT
fsr-3421	287	1	the	the	DET
fsr-3421	287	2	stakeholders	stakeholder	NOUN
fsr-3421	287	3	and	and	CCONJ
fsr-3421	287	4	their	their	PRON
fsr-3421	287	5	attempts	attempt	NOUN
fsr-3421	287	6	to	to	PART
fsr-3421	287	7	promote	promote	VERB
fsr-3421	287	8	client	client	NOUN
fsr-3421	287	9	’s	’s	PART
fsr-3421	287	10	best	good	ADJ
fsr-3421	287	11	interest	interest	NOUN
fsr-3421	287	12	practice	practice	NOUN
fsr-3421	287	13	are	be	AUX
fsr-3421	287	14	now	now	ADV
fsr-3421	287	15	delineated	delineate	VERB
fsr-3421	287	16	.	.	PUNCT
fsr-3421	288	1	fig	fig	NOUN
fsr-3421	288	2	.	.	PUNCT
fsr-3421	289	1	3	3	X
fsr-3421	289	2	.	.	X
fsr-3421	289	3	external	external	ADJ
fsr-3421	289	4	stakeholders	stakeholder	NOUN
fsr-3421	289	5	seeking	seek	VERB
fsr-3421	289	6	to	to	PART
fsr-3421	289	7	influence	influence	VERB
fsr-3421	289	8	financial	financial	ADJ
fsr-3421	289	9	advice	advice	NOUN
fsr-3421	289	10	.	.	PUNCT
fsr-3421	290	1	146	146	NUM
fsr-3421	290	2	d.	d.	PROPN
fsr-3421	290	3	w.	w.	PROPN
fsr-3421	290	4	richards	richards	PROPN
fsr-3421	290	5	,	,	PUNCT
fsr-3421	290	6	e.	e.	PROPN
fsr-3421	290	7	f.	f.	PROPN
fsr-3421	290	8	morton	morton	PROPN
fsr-3421	290	9	/	/	SYM
fsr-3421	290	10	financial	financial	ADJ
fsr-3421	290	11	services	service	NOUN
fsr-3421	290	12	review	review	VERB
fsr-3421	290	13	28	28	NUM
fsr-3421	290	14	(	(	PUNCT
fsr-3421	290	15	2020	2020	NUM
fsr-3421	290	16	)	)	PUNCT
fsr-3421	290	17	133–158	133–158	NUM
fsr-3421	290	18	4.3.1	4.3.1	NUM
fsr-3421	290	19	.	.	PUNCT
fsr-3421	291	1	the	the	DET
fsr-3421	291	2	client	client	NOUN
fsr-3421	291	3	an	an	DET
fsr-3421	291	4	essential	essential	ADJ
fsr-3421	291	5	element	element	NOUN
fsr-3421	291	6	of	of	ADP
fsr-3421	291	7	financial	financial	ADJ
fsr-3421	291	8	advice	advice	NOUN
fsr-3421	291	9	is	be	AUX
fsr-3421	291	10	the	the	DET
fsr-3421	291	11	relationship	relationship	NOUN
fsr-3421	291	12	that	that	PRON
fsr-3421	291	13	the	the	DET
fsr-3421	291	14	advisor	advisor	NOUN
fsr-3421	291	15	has	have	VERB
fsr-3421	291	16	with	with	ADP
fsr-3421	291	17	their	their	PRON
fsr-3421	291	18	clients	client	NOUN
fsr-3421	291	19	.	.	PUNCT
fsr-3421	292	1	this	this	DET
fsr-3421	292	2	relationship	relationship	NOUN
fsr-3421	292	3	is	be	AUX
fsr-3421	292	4	a	a	DET
fsr-3421	292	5	two	two	NUM
fsr-3421	292	6	-	-	PUNCT
fsr-3421	292	7	way	way	NOUN
fsr-3421	292	8	interaction	interaction	NOUN
fsr-3421	292	9	where	where	SCONJ
fsr-3421	292	10	advisors	advisor	NOUN
fsr-3421	292	11	will	will	AUX
fsr-3421	292	12	provide	provide	VERB
fsr-3421	292	13	services	service	NOUN
fsr-3421	292	14	to	to	ADP
fsr-3421	292	15	clients	client	NOUN
fsr-3421	292	16	but	but	CCONJ
fsr-3421	292	17	also	also	ADV
fsr-3421	292	18	clients	client	NOUN
fsr-3421	292	19	will	will	AUX
fsr-3421	292	20	have	have	VERB
fsr-3421	292	21	the	the	DET
fsr-3421	292	22	ability	ability	NOUN
fsr-3421	292	23	to	to	PART
fsr-3421	292	24	influence	influence	VERB
fsr-3421	292	25	and	and	CCONJ
fsr-3421	292	26	control	control	VERB
fsr-3421	292	27	their	their	PRON
fsr-3421	292	28	advisor	advisor	NOUN
fsr-3421	292	29	.	.	PUNCT
fsr-3421	293	1	thus	thus	ADV
fsr-3421	293	2	,	,	PUNCT
fsr-3421	293	3	the	the	DET
fsr-3421	293	4	client	client	NOUN
fsr-3421	293	5	can	can	AUX
fsr-3421	293	6	be	be	AUX
fsr-3421	293	7	seen	see	VERB
fsr-3421	293	8	as	as	ADP
fsr-3421	293	9	a	a	DET
fsr-3421	293	10	control	control	NOUN
fsr-3421	293	11	mechanism	mechanism	NOUN
fsr-3421	293	12	to	to	PART
fsr-3421	293	13	enforce	enforce	VERB
fsr-3421	293	14	best	good	ADJ
fsr-3421	293	15	interest	interest	NOUN
fsr-3421	293	16	practice	practice	NOUN
fsr-3421	293	17	on	on	ADP
fsr-3421	293	18	a	a	DET
fsr-3421	293	19	financial	financial	ADJ
fsr-3421	293	20	advisor	advisor	NOUN
fsr-3421	293	21	.	.	PUNCT
fsr-3421	294	1	historically	historically	ADV
fsr-3421	294	2	,	,	PUNCT
fsr-3421	294	3	the	the	DET
fsr-3421	294	4	australian	australian	ADJ
fsr-3421	294	5	context	context	NOUN
fsr-3421	294	6	of	of	ADP
fsr-3421	294	7	financial	financial	ADJ
fsr-3421	294	8	advice	advice	NOUN
fsr-3421	294	9	has	have	AUX
fsr-3421	294	10	placed	place	VERB
fsr-3421	294	11	a	a	DET
fsr-3421	294	12	large	large	ADJ
fsr-3421	294	13	emphasis	emphasis	NOUN
fsr-3421	294	14	on	on	ADP
fsr-3421	294	15	the	the	DET
fsr-3421	294	16	client	client	NOUN
fsr-3421	294	17	influencing	influence	VERB
fsr-3421	294	18	financial	financial	ADJ
fsr-3421	294	19	advisors	advisor	NOUN
fsr-3421	294	20	because	because	SCONJ
fsr-3421	294	21	of	of	ADP
fsr-3421	294	22	the	the	DET
fsr-3421	294	23	disclosure	disclosure	NOUN
fsr-3421	294	24	practices	practice	NOUN
fsr-3421	294	25	legislated	legislate	VERB
fsr-3421	294	26	.	.	PUNCT
fsr-3421	295	1	some	some	PRON
fsr-3421	295	2	of	of	ADP
fsr-3421	295	3	the	the	DET
fsr-3421	295	4	disclosure	disclosure	NOUN
fsr-3421	295	5	requirements	requirement	NOUN
fsr-3421	295	6	of	of	ADP
fsr-3421	295	7	financial	financial	ADJ
fsr-3421	295	8	advisors	advisor	NOUN
fsr-3421	295	9	include	include	VERB
fsr-3421	295	10	reporting	report	VERB
fsr-3421	295	11	clients	client	NOUN
fsr-3421	295	12	’	’	PART
fsr-3421	295	13	information	information	NOUN
fsr-3421	295	14	about	about	ADP
fsr-3421	295	15	their	their	PRON
fsr-3421	295	16	remuneration	remuneration	NOUN
fsr-3421	295	17	(	(	PUNCT
fsr-3421	295	18	including	include	VERB
fsr-3421	295	19	commissions	commission	NOUN
fsr-3421	295	20	)	)	PUNCT
fsr-3421	295	21	,	,	PUNCT
fsr-3421	295	22	conflicts	conflict	NOUN
fsr-3421	295	23	of	of	ADP
fsr-3421	295	24	interest	interest	NOUN
fsr-3421	295	25	with	with	ADP
fsr-3421	295	26	product	product	NOUN
fsr-3421	295	27	providers	provider	NOUN
fsr-3421	295	28	and	and	CCONJ
fsr-3421	295	29	,	,	PUNCT
fsr-3421	295	30	more	more	ADV
fsr-3421	295	31	recently	recently	ADV
fsr-3421	295	32	,	,	PUNCT
fsr-3421	295	33	an	an	DET
fsr-3421	295	34	optin	optin	NOUN
fsr-3421	295	35	requirement	requirement	NOUN
fsr-3421	295	36	for	for	ADP
fsr-3421	295	37	ongoing	ongoing	ADJ
fsr-3421	295	38	fee	fee	NOUN
fsr-3421	295	39	arrangements	arrangement	NOUN
fsr-3421	295	40	.	.	PUNCT
fsr-3421	296	1	a	a	DET
fsr-3421	296	2	disclosure	disclosure	NOUN
fsr-3421	296	3	practice	practice	NOUN
fsr-3421	296	4	in	in	ADP
fsr-3421	296	5	financial	financial	ADJ
fsr-3421	296	6	advice	advice	NOUN
fsr-3421	296	7	assumes	assume	VERB
fsr-3421	296	8	that	that	SCONJ
fsr-3421	296	9	this	this	DET
fsr-3421	296	10	process	process	NOUN
fsr-3421	296	11	will	will	AUX
fsr-3421	296	12	control	control	VERB
fsr-3421	296	13	the	the	DET
fsr-3421	296	14	actions	action	NOUN
fsr-3421	296	15	of	of	ADP
fsr-3421	296	16	financial	financial	ADJ
fsr-3421	296	17	advisors	advisor	NOUN
fsr-3421	296	18	and	and	CCONJ
fsr-3421	296	19	financial	financial	ADJ
fsr-3421	296	20	institutions	institution	NOUN
fsr-3421	296	21	.	.	PUNCT
fsr-3421	297	1	it	it	PRON
fsr-3421	297	2	could	could	AUX
fsr-3421	297	3	be	be	AUX
fsr-3421	297	4	that	that	SCONJ
fsr-3421	297	5	clients	client	NOUN
fsr-3421	297	6	will	will	AUX
fsr-3421	297	7	choose	choose	VERB
fsr-3421	297	8	not	not	PART
fsr-3421	297	9	to	to	PART
fsr-3421	297	10	participate	participate	VERB
fsr-3421	297	11	in	in	ADP
fsr-3421	297	12	financial	financial	ADJ
fsr-3421	297	13	advice	advice	NOUN
fsr-3421	297	14	when	when	SCONJ
fsr-3421	297	15	conflicts	conflict	NOUN
fsr-3421	297	16	of	of	ADP
fsr-3421	297	17	interest	interest	NOUN
fsr-3421	297	18	are	be	AUX
fsr-3421	297	19	disclosed	disclose	VERB
fsr-3421	297	20	and/or	and/or	CCONJ
fsr-3421	297	21	the	the	DET
fsr-3421	297	22	necessity	necessity	NOUN
fsr-3421	297	23	to	to	PART
fsr-3421	297	24	disclose	disclose	VERB
fsr-3421	297	25	such	such	ADJ
fsr-3421	297	26	practices	practice	NOUN
fsr-3421	297	27	will	will	AUX
fsr-3421	297	28	stop	stop	VERB
fsr-3421	297	29	conflicts	conflict	NOUN
fsr-3421	297	30	from	from	ADP
fsr-3421	297	31	arising	arise	VERB
fsr-3421	297	32	in	in	ADP
fsr-3421	297	33	the	the	DET
fsr-3421	297	34	first	first	ADJ
fsr-3421	297	35	place	place	NOUN
fsr-3421	297	36	.	.	PUNCT
fsr-3421	298	1	however	however	ADV
fsr-3421	298	2	,	,	PUNCT
fsr-3421	298	3	when	when	SCONJ
fsr-3421	298	4	asked	ask	VERB
fsr-3421	298	5	about	about	ADP
fsr-3421	298	6	client	client	NOUN
fsr-3421	298	7	’s	’s	PART
fsr-3421	298	8	reading	reading	NOUN
fsr-3421	298	9	of	of	ADP
fsr-3421	298	10	the	the	DET
fsr-3421	298	11	fsg	fsg	PROPN
fsr-3421	298	12	,	,	PUNCT
fsr-3421	298	13	a	a	DET
fsr-3421	298	14	disclosure	disclosure	NOUN
fsr-3421	298	15	document	document	NOUN
fsr-3421	298	16	provided	provide	VERB
fsr-3421	298	17	to	to	ADP
fsr-3421	298	18	clients	client	NOUN
fsr-3421	298	19	,	,	PUNCT
fsr-3421	298	20	one	one	NUM
fsr-3421	298	21	financial	financial	ADJ
fsr-3421	298	22	planner	planner	NOUN
fsr-3421	298	23	noted	note	VERB
fsr-3421	298	24	:	:	PUNCT
fsr-3421	298	25	i	i	PRON
fsr-3421	298	26	do	do	AUX
fsr-3421	298	27	n’t	not	PART
fsr-3421	298	28	know	know	VERB
fsr-3421	298	29	if	if	SCONJ
fsr-3421	298	30	a	a	DET
fsr-3421	298	31	client	client	NOUN
fsr-3421	298	32	’s	’s	AUX
fsr-3421	298	33	ever	ever	ADV
fsr-3421	298	34	read	read	VERB
fsr-3421	298	35	it	it	PRON
fsr-3421	298	36	.	.	PUNCT
fsr-3421	299	1	i	i	PRON
fsr-3421	299	2	know	know	VERB
fsr-3421	299	3	well	well	ADV
fsr-3421	299	4	,	,	PUNCT
fsr-3421	299	5	from	from	ADP
fsr-3421	299	6	myself	myself	PRON
fsr-3421	299	7	personally	personally	ADV
fsr-3421	299	8	,	,	PUNCT
fsr-3421	299	9	if	if	SCONJ
fsr-3421	299	10	you	you	PRON
fsr-3421	299	11	go	go	VERB
fsr-3421	299	12	for	for	ADP
fsr-3421	299	13	a	a	DET
fsr-3421	299	14	financial	financial	ADJ
fsr-3421	299	15	product	product	NOUN
fsr-3421	299	16	through	through	ADP
fsr-3421	299	17	your	your	PRON
fsr-3421	299	18	insurance	insurance	NOUN
fsr-3421	299	19	and	and	CCONJ
fsr-3421	299	20	these	these	DET
fsr-3421	299	21	types	type	NOUN
fsr-3421	299	22	of	of	ADP
fsr-3421	299	23	things	thing	NOUN
fsr-3421	299	24	,	,	PUNCT
fsr-3421	299	25	i	i	PRON
fsr-3421	299	26	’m	’m	VERB
fsr-3421	299	27	sure	sure	ADJ
fsr-3421	299	28	i	i	PRON
fsr-3421	299	29	’ve	’ve	AUX
fsr-3421	299	30	never	never	ADV
fsr-3421	299	31	read	read	VERB
fsr-3421	299	32	them	they	PRON
fsr-3421	299	33	either	either	ADV
fsr-3421	299	34	and	and	CCONJ
fsr-3421	299	35	i	i	PRON
fsr-3421	299	36	work	work	VERB
fsr-3421	299	37	in	in	ADP
fsr-3421	299	38	the	the	DET
fsr-3421	299	39	industry	industry	NOUN
fsr-3421	299	40	.	.	PUNCT
fsr-3421	300	1	(	(	PUNCT
fsr-3421	300	2	participant	participant	NOUN
fsr-3421	300	3	5	5	NUM
fsr-3421	300	4	)	)	PUNCT
fsr-3421	300	5	furthermore	furthermore	ADV
fsr-3421	300	6	,	,	PUNCT
fsr-3421	300	7	government	government	NOUN
fsr-3421	300	8	inquires	inquire	NOUN
fsr-3421	300	9	have	have	AUX
fsr-3421	300	10	found	find	VERB
fsr-3421	300	11	that	that	SCONJ
fsr-3421	300	12	disclosure	disclosure	NOUN
fsr-3421	300	13	practices	practice	NOUN
fsr-3421	300	14	have	have	AUX
fsr-3421	300	15	not	not	PART
fsr-3421	300	16	been	be	AUX
fsr-3421	300	17	effective	effective	ADJ
fsr-3421	300	18	in	in	ADP
fsr-3421	300	19	stopping	stop	VERB
fsr-3421	300	20	a	a	DET
fsr-3421	300	21	persistence	persistence	NOUN
fsr-3421	300	22	of	of	ADP
fsr-3421	300	23	scandals	scandal	NOUN
fsr-3421	300	24	in	in	ADP
fsr-3421	300	25	the	the	DET
fsr-3421	300	26	financial	financial	ADJ
fsr-3421	300	27	services	service	NOUN
fsr-3421	300	28	industry	industry	NOUN
fsr-3421	300	29	.	.	PUNCT
fsr-3421	301	1	consider	consider	VERB
fsr-3421	301	2	these	these	DET
fsr-3421	301	3	quotes	quote	NOUN
fsr-3421	301	4	:	:	PUNCT
fsr-3421	301	5	.	.	PUNCT
fsr-3421	301	6	.	.	PUNCT
fsr-3421	301	7	.	.	PUNCT
fsr-3421	302	1	[	[	X
fsr-3421	302	2	t]here	t]here	PROPN
fsr-3421	302	3	was	be	AUX
fsr-3421	302	4	a	a	DET
fsr-3421	302	5	broadly	broadly	ADV
fsr-3421	302	6	held	hold	VERB
fsr-3421	302	7	view	view	NOUN
fsr-3421	302	8	that	that	SCONJ
fsr-3421	302	9	disclosure	disclosure	NOUN
fsr-3421	302	10	had	have	AUX
fsr-3421	302	11	been	be	AUX
fsr-3421	302	12	ineffective	ineffective	ADJ
fsr-3421	302	13	in	in	ADP
fsr-3421	302	14	managing	manage	VERB
fsr-3421	302	15	conflicts	conflict	NOUN
fsr-3421	302	16	of	of	ADP
fsr-3421	302	17	interest	interest	NOUN
fsr-3421	302	18	,	,	PUNCT
fsr-3421	302	19	necessitating	necessitate	VERB
fsr-3421	302	20	other	other	ADJ
fsr-3421	302	21	more	more	ADV
fsr-3421	302	22	robust	robust	ADJ
fsr-3421	302	23	measures	measure	NOUN
fsr-3421	302	24	.	.	PUNCT
fsr-3421	302	25	.	.	PUNCT
fsr-3421	302	26	.	.	PUNCT
fsr-3421	303	1	(	(	PUNCT
fsr-3421	303	2	report	report	VERB
fsr-3421	303	3	6	6	NUM
fsr-3421	303	4	:	:	SYM
fsr-3421	303	5	111	111	NUM
fsr-3421	303	6	)	)	PUNCT
fsr-3421	303	7	the	the	DET
fsr-3421	303	8	reforms	reform	NOUN
fsr-3421	303	9	recognize	recognize	VERB
fsr-3421	303	10	that	that	SCONJ
fsr-3421	303	11	current	current	ADJ
fsr-3421	303	12	disclosure	disclosure	NOUN
fsr-3421	303	13	requirements	requirement	NOUN
fsr-3421	303	14	are	be	AUX
fsr-3421	303	15	not	not	PART
fsr-3421	303	16	,	,	PUNCT
fsr-3421	303	17	on	on	ADP
fsr-3421	303	18	their	their	PRON
fsr-3421	303	19	own	own	ADJ
fsr-3421	303	20	,	,	PUNCT
fsr-3421	303	21	sufficient	sufficient	ADJ
fsr-3421	303	22	to	to	PART
fsr-3421	303	23	fully	fully	ADV
fsr-3421	303	24	inform	inform	VERB
fsr-3421	303	25	consumers	consumer	NOUN
fsr-3421	303	26	.	.	PUNCT
fsr-3421	304	1	(	(	PUNCT
fsr-3421	304	2	report	report	NOUN
fsr-3421	304	3	2	2	NUM
fsr-3421	304	4	:	:	SYM
fsr-3421	304	5	105	105	NUM
fsr-3421	304	6	)	)	PUNCT
fsr-3421	304	7	this	this	PRON
fsr-3421	304	8	suggests	suggest	VERB
fsr-3421	304	9	that	that	SCONJ
fsr-3421	304	10	clients	client	NOUN
fsr-3421	304	11	will	will	AUX
fsr-3421	304	12	not	not	PART
fsr-3421	304	13	enforce	enforce	VERB
fsr-3421	304	14	a	a	DET
fsr-3421	304	15	strict	strict	ADJ
fsr-3421	304	16	client	client	NOUN
fsr-3421	304	17	’s	’s	PART
fsr-3421	304	18	best	good	ADJ
fsr-3421	304	19	interest	interest	NOUN
fsr-3421	304	20	practice	practice	NOUN
fsr-3421	304	21	on	on	ADP
fsr-3421	304	22	financial	financial	ADJ
fsr-3421	304	23	advisors	advisor	NOUN
fsr-3421	304	24	,	,	PUNCT
fsr-3421	304	25	irrespective	irrespective	ADV
fsr-3421	304	26	of	of	ADP
fsr-3421	304	27	disclosure	disclosure	NOUN
fsr-3421	304	28	requirements	requirement	NOUN
fsr-3421	304	29	.	.	PUNCT
fsr-3421	305	1	moreover	moreover	ADV
fsr-3421	305	2	,	,	PUNCT
fsr-3421	305	3	the	the	DET
fsr-3421	305	4	business	business	NOUN
fsr-3421	305	5	models	model	NOUN
fsr-3421	305	6	create	create	VERB
fsr-3421	305	7	impediments	impediment	NOUN
fsr-3421	305	8	to	to	ADP
fsr-3421	305	9	the	the	DET
fsr-3421	305	10	control	control	NOUN
fsr-3421	305	11	mechanism	mechanism	NOUN
fsr-3421	305	12	proffered	proffer	VERB
fsr-3421	305	13	via	via	ADP
fsr-3421	305	14	the	the	DET
fsr-3421	305	15	client	client	NOUN
fsr-3421	305	16	-	-	PUNCT
fsr-3421	305	17	advisor	advisor	NOUN
fsr-3421	305	18	relationship	relationship	NOUN
fsr-3421	305	19	.	.	PUNCT
fsr-3421	306	1	with	with	ADP
fsr-3421	306	2	many	many	ADJ
fsr-3421	306	3	clients	client	NOUN
fsr-3421	306	4	being	be	AUX
fsr-3421	306	5	unaware	unaware	ADJ
fsr-3421	306	6	of	of	ADP
fsr-3421	306	7	the	the	DET
fsr-3421	306	8	true	true	ADJ
fsr-3421	306	9	nature	nature	NOUN
fsr-3421	306	10	of	of	ADP
fsr-3421	306	11	the	the	DET
fsr-3421	306	12	business	business	NOUN
fsr-3421	306	13	model	model	NOUN
fsr-3421	306	14	,	,	PUNCT
fsr-3421	306	15	as	as	SCONJ
fsr-3421	306	16	discussed	discuss	VERB
fsr-3421	306	17	in	in	ADP
fsr-3421	306	18	section	section	NOUN
fsr-3421	306	19	4.2	4.2	NUM
fsr-3421	306	20	,	,	PUNCT
fsr-3421	306	21	and	and	CCONJ
fsr-3421	306	22	the	the	DET
fsr-3421	306	23	majority	majority	NOUN
fsr-3421	306	24	of	of	ADP
fsr-3421	306	25	business	business	NOUN
fsr-3421	306	26	models	model	NOUN
fsr-3421	306	27	not	not	PART
fsr-3421	306	28	positioned	position	VERB
fsr-3421	306	29	optimally	optimally	ADV
fsr-3421	306	30	for	for	ADP
fsr-3421	306	31	best	good	ADJ
fsr-3421	306	32	interest	interest	NOUN
fsr-3421	306	33	practice	practice	NOUN
fsr-3421	306	34	(	(	PUNCT
fsr-3421	306	35	bias	bias	NOUN
fsr-3421	306	36	)	)	PUNCT
fsr-3421	306	37	,	,	PUNCT
fsr-3421	306	38	clients	client	NOUN
fsr-3421	306	39	may	may	AUX
fsr-3421	306	40	inherently	inherently	ADV
fsr-3421	306	41	face	face	VERB
fsr-3421	306	42	barriers	barrier	NOUN
fsr-3421	306	43	to	to	PART
fsr-3421	306	44	meaningfully	meaningfully	ADV
fsr-3421	306	45	influence	influence	VERB
fsr-3421	306	46	their	their	PRON
fsr-3421	306	47	financial	financial	ADJ
fsr-3421	306	48	advisor	advisor	NOUN
fsr-3421	306	49	.	.	PUNCT
fsr-3421	307	1	in	in	ADP
fsr-3421	307	2	doing	do	VERB
fsr-3421	307	3	so	so	ADV
fsr-3421	307	4	,	,	PUNCT
fsr-3421	307	5	client	client	NOUN
fsr-3421	307	6	influence	influence	NOUN
fsr-3421	307	7	can	can	AUX
fsr-3421	307	8	be	be	AUX
fsr-3421	307	9	directed	direct	VERB
fsr-3421	307	10	mainly	mainly	ADV
fsr-3421	307	11	towards	towards	ADP
fsr-3421	307	12	perceptions	perception	NOUN
fsr-3421	307	13	of	of	ADP
fsr-3421	307	14	best	good	ADJ
fsr-3421	307	15	interest	interest	NOUN
fsr-3421	307	16	practice	practice	NOUN
fsr-3421	307	17	.	.	PUNCT
fsr-3421	308	1	4.3.2	4.3.2	X
fsr-3421	308	2	.	.	PUNCT
fsr-3421	309	1	professional	professional	ADJ
fsr-3421	309	2	bodies	body	NOUN
fsr-3421	309	3	another	another	DET
fsr-3421	309	4	influence	influence	NOUN
fsr-3421	309	5	on	on	ADP
fsr-3421	309	6	the	the	DET
fsr-3421	309	7	practice	practice	NOUN
fsr-3421	309	8	of	of	ADP
fsr-3421	309	9	financial	financial	ADJ
fsr-3421	309	10	advisors	advisor	NOUN
fsr-3421	309	11	is	be	AUX
fsr-3421	309	12	the	the	DET
fsr-3421	309	13	influence	influence	NOUN
fsr-3421	309	14	of	of	ADP
fsr-3421	309	15	professional	professional	ADJ
fsr-3421	309	16	bodies	body	NOUN
fsr-3421	309	17	.	.	PUNCT
fsr-3421	310	1	professional	professional	ADJ
fsr-3421	310	2	bodies	body	NOUN
fsr-3421	310	3	require	require	VERB
fsr-3421	310	4	financial	financial	ADJ
fsr-3421	310	5	advisors	advisor	NOUN
fsr-3421	310	6	to	to	PART
fsr-3421	310	7	ascertain	ascertain	VERB
fsr-3421	310	8	certain	certain	ADJ
fsr-3421	310	9	levels	level	NOUN
fsr-3421	310	10	of	of	ADP
fsr-3421	310	11	education	education	NOUN
fsr-3421	310	12	and	and	CCONJ
fsr-3421	310	13	experience	experience	NOUN
fsr-3421	310	14	before	before	ADP
fsr-3421	310	15	being	be	AUX
fsr-3421	310	16	admitted	admit	VERB
fsr-3421	310	17	to	to	ADP
fsr-3421	310	18	the	the	DET
fsr-3421	310	19	body	body	NOUN
fsr-3421	310	20	and	and	CCONJ
fsr-3421	310	21	,	,	PUNCT
fsr-3421	310	22	thereafter	thereafter	ADV
fsr-3421	310	23	,	,	PUNCT
fsr-3421	310	24	undertake	undertake	VERB
fsr-3421	310	25	training	training	NOUN
fsr-3421	310	26	and	and	CCONJ
fsr-3421	310	27	assessments	assessment	NOUN
fsr-3421	310	28	to	to	PART
fsr-3421	310	29	become	become	VERB
fsr-3421	310	30	accredited	accredit	VERB
fsr-3421	310	31	.	.	PUNCT
fsr-3421	311	1	despite	despite	SCONJ
fsr-3421	311	2	the	the	DET
fsr-3421	311	3	intention	intention	NOUN
fsr-3421	311	4	of	of	ADP
fsr-3421	311	5	professional	professional	ADJ
fsr-3421	311	6	bodies	body	NOUN
fsr-3421	311	7	to	to	PART
fsr-3421	311	8	influence	influence	VERB
fsr-3421	311	9	financial	financial	ADJ
fsr-3421	311	10	advisor	advisor	NOUN
fsr-3421	311	11	practices	practice	NOUN
fsr-3421	311	12	,	,	PUNCT
fsr-3421	311	13	and	and	CCONJ
fsr-3421	311	14	enforce	enforce	VERB
fsr-3421	311	15	client	client	PROPN
fsr-3421	311	16	’s	’s	PART
fsr-3421	311	17	best	good	ADJ
fsr-3421	311	18	interest	interest	NOUN
fsr-3421	311	19	practice	practice	NOUN
fsr-3421	311	20	,	,	PUNCT
fsr-3421	311	21	the	the	DET
fsr-3421	311	22	ability	ability	NOUN
fsr-3421	311	23	to	to	PART
fsr-3421	311	24	achieve	achieve	VERB
fsr-3421	311	25	this	this	PRON
fsr-3421	311	26	is	be	AUX
fsr-3421	311	27	thwarted	thwart	VERB
fsr-3421	311	28	.	.	PUNCT
fsr-3421	312	1	the	the	DET
fsr-3421	312	2	reason	reason	NOUN
fsr-3421	312	3	for	for	ADP
fsr-3421	312	4	d.	d.	PROPN
fsr-3421	312	5	w.	w.	PROPN
fsr-3421	312	6	richards	richards	PROPN
fsr-3421	312	7	,	,	PUNCT
fsr-3421	312	8	e.	e.	PROPN
fsr-3421	312	9	f.	f.	PROPN
fsr-3421	312	10	morton	morton	PROPN
fsr-3421	312	11	/	/	SYM
fsr-3421	312	12	financial	financial	ADJ
fsr-3421	312	13	services	service	NOUN
fsr-3421	312	14	review	review	VERB
fsr-3421	312	15	28	28	NUM
fsr-3421	312	16	(	(	PUNCT
fsr-3421	312	17	2020	2020	NUM
fsr-3421	312	18	)	)	PUNCT
fsr-3421	313	1	133–158	133–158	NUM
fsr-3421	313	2	147	147	NUM
fsr-3421	313	3	this	this	PRON
fsr-3421	313	4	is	be	AUX
fsr-3421	313	5	the	the	DET
fsr-3421	313	6	organizational	organizational	ADJ
fsr-3421	313	7	context	context	NOUN
fsr-3421	313	8	;	;	PUNCT
fsr-3421	313	9	the	the	DET
fsr-3421	313	10	business	business	NOUN
fsr-3421	313	11	models	model	NOUN
fsr-3421	313	12	previously	previously	ADV
fsr-3421	313	13	outlined	outline	VERB
fsr-3421	313	14	.	.	PUNCT
fsr-3421	314	1	in	in	ADP
fsr-3421	314	2	this	this	DET
fsr-3421	314	3	organizational	organizational	ADJ
fsr-3421	314	4	context	context	NOUN
fsr-3421	314	5	,	,	PUNCT
fsr-3421	314	6	direct	direct	ADJ
fsr-3421	314	7	power	power	NOUN
fsr-3421	314	8	over	over	ADP
fsr-3421	314	9	a	a	DET
fsr-3421	314	10	financial	financial	ADJ
fsr-3421	314	11	advisor	advisor	NOUN
fsr-3421	314	12	is	be	AUX
fsr-3421	314	13	given	give	VERB
fsr-3421	314	14	to	to	ADP
fsr-3421	314	15	the	the	DET
fsr-3421	314	16	licensee	licensee	NOUN
fsr-3421	314	17	as	as	SCONJ
fsr-3421	314	18	they	they	PRON
fsr-3421	314	19	authorize	authorize	VERB
fsr-3421	314	20	the	the	DET
fsr-3421	314	21	advisor	advisor	NOUN
fsr-3421	314	22	to	to	PART
fsr-3421	314	23	give	give	VERB
fsr-3421	314	24	financial	financial	ADJ
fsr-3421	314	25	advice	advice	NOUN
fsr-3421	314	26	.	.	PUNCT
fsr-3421	315	1	in	in	ADP
fsr-3421	315	2	other	other	ADJ
fsr-3421	315	3	words	word	NOUN
fsr-3421	315	4	,	,	PUNCT
fsr-3421	315	5	a	a	DET
fsr-3421	315	6	licensee	licensee	NOUN
fsr-3421	315	7	awards	award	NOUN
fsr-3421	315	8	the	the	DET
fsr-3421	315	9	ability	ability	NOUN
fsr-3421	315	10	to	to	PART
fsr-3421	315	11	practice	practice	VERB
fsr-3421	315	12	to	to	ADP
fsr-3421	315	13	a	a	DET
fsr-3421	315	14	financial	financial	ADJ
fsr-3421	315	15	advisor	advisor	NOUN
fsr-3421	315	16	and	and	CCONJ
fsr-3421	315	17	sets	set	VERB
fsr-3421	315	18	the	the	DET
fsr-3421	315	19	conditions	condition	NOUN
fsr-3421	315	20	under	under	ADP
fsr-3421	315	21	which	which	PRON
fsr-3421	315	22	a	a	DET
fsr-3421	315	23	financial	financial	ADJ
fsr-3421	315	24	advisor	advisor	NOUN
fsr-3421	315	25	practice	practice	NOUN
fsr-3421	315	26	.	.	PUNCT
fsr-3421	316	1	a	a	DET
fsr-3421	316	2	professional	professional	ADJ
fsr-3421	316	3	body	body	NOUN
fsr-3421	316	4	’s	’s	PART
fsr-3421	316	5	code	code	NOUN
fsr-3421	316	6	of	of	ADP
fsr-3421	316	7	conduct	conduct	NOUN
fsr-3421	316	8	is	be	AUX
fsr-3421	316	9	a	a	DET
fsr-3421	316	10	secondary	secondary	ADJ
fsr-3421	316	11	influence	influence	NOUN
fsr-3421	316	12	,	,	PUNCT
fsr-3421	316	13	which	which	PRON
fsr-3421	316	14	can	can	AUX
fsr-3421	316	15	only	only	ADV
fsr-3421	316	16	be	be	AUX
fsr-3421	316	17	invoked	invoke	VERB
fsr-3421	316	18	once	once	ADV
fsr-3421	316	19	the	the	DET
fsr-3421	316	20	licensee	licensee	NOUN
fsr-3421	316	21	conditions	condition	NOUN
fsr-3421	316	22	are	be	AUX
fsr-3421	316	23	met	meet	VERB
fsr-3421	316	24	.	.	PUNCT
fsr-3421	317	1	this	this	DET
fsr-3421	317	2	order	order	NOUN
fsr-3421	317	3	of	of	ADP
fsr-3421	317	4	priority	priority	NOUN
fsr-3421	317	5	is	be	AUX
fsr-3421	317	6	epitomized	epitomize	VERB
fsr-3421	317	7	by	by	ADP
fsr-3421	317	8	the	the	DET
fsr-3421	317	9	fact	fact	NOUN
fsr-3421	317	10	that	that	SCONJ
fsr-3421	317	11	a	a	DET
fsr-3421	317	12	financial	financial	ADJ
fsr-3421	317	13	advisor	advisor	NOUN
fsr-3421	317	14	did	do	AUX
fsr-3421	317	15	not	not	PART
fsr-3421	317	16	have	have	AUX
fsr-3421	317	17	to	to	PART
fsr-3421	317	18	be	be	AUX
fsr-3421	317	19	a	a	DET
fsr-3421	317	20	member	member	NOUN
fsr-3421	317	21	of	of	ADP
fsr-3421	317	22	a	a	DET
fsr-3421	317	23	professional	professional	ADJ
fsr-3421	317	24	body	body	NOUN
fsr-3421	317	25	to	to	PART
fsr-3421	317	26	practice	practice	VERB
fsr-3421	317	27	.	.	PUNCT
fsr-3421	318	1	just	just	ADV
fsr-3421	318	2	as	as	SCONJ
fsr-3421	318	3	there	there	PRON
fsr-3421	318	4	is	be	VERB
fsr-3421	318	5	no	no	DET
fsr-3421	318	6	requirement	requirement	NOUN
fsr-3421	318	7	for	for	SCONJ
fsr-3421	318	8	individual	individual	ADJ
fsr-3421	318	9	financial	financial	ADJ
fsr-3421	318	10	advisers	adviser	NOUN
fsr-3421	318	11	to	to	PART
fsr-3421	318	12	be	be	AUX
fsr-3421	318	13	registered	register	VERB
fsr-3421	318	14	by	by	ADP
fsr-3421	318	15	asic	asic	NOUN
fsr-3421	318	16	,	,	PUNCT
fsr-3421	318	17	there	there	PRON
fsr-3421	318	18	is	be	VERB
fsr-3421	318	19	also	also	ADV
fsr-3421	318	20	no	no	DET
fsr-3421	318	21	requirement	requirement	NOUN
fsr-3421	318	22	for	for	SCONJ
fsr-3421	318	23	advisers	adviser	NOUN
fsr-3421	318	24	to	to	PART
fsr-3421	318	25	be	be	AUX
fsr-3421	318	26	members	member	NOUN
fsr-3421	318	27	of	of	ADP
fsr-3421	318	28	any	any	DET
fsr-3421	318	29	particular	particular	ADJ
fsr-3421	318	30	industry	industry	NOUN
fsr-3421	318	31	association	association	NOUN
fsr-3421	318	32	.	.	PUNCT
fsr-3421	318	33	.	.	PUNCT
fsr-3421	319	1	.	.	PUNCT
fsr-3421	320	1	both	both	PRON
fsr-3421	320	2	the	the	DET
fsr-3421	320	3	fpa	fpa	PROPN
fsr-3421	320	4	and	and	CCONJ
fsr-3421	320	5	the	the	DET
fsr-3421	320	6	afa	afa	PROPN
fsr-3421	320	7	seek	seek	VERB
fsr-3421	320	8	to	to	PART
fsr-3421	320	9	advance	advance	VERB
fsr-3421	320	10	the	the	DET
fsr-3421	320	11	cause	cause	NOUN
fsr-3421	320	12	of	of	ADP
fsr-3421	320	13	financial	financial	ADJ
fsr-3421	320	14	advisers	adviser	NOUN
fsr-3421	320	15	generally	generally	ADV
fsr-3421	320	16	.	.	PUNCT
fsr-3421	321	1	each	each	PRON
fsr-3421	321	2	seeks	seek	VERB
fsr-3421	321	3	to	to	PART
fsr-3421	321	4	promote	promote	VERB
fsr-3421	321	5	the	the	DET
fsr-3421	321	6	creation	creation	NOUN
fsr-3421	321	7	and	and	CCONJ
fsr-3421	321	8	growth	growth	NOUN
fsr-3421	321	9	of	of	ADP
fsr-3421	321	10	financial	financial	ADJ
fsr-3421	321	11	planning	planning	NOUN
fsr-3421	321	12	and	and	CCONJ
fsr-3421	321	13	advice	advice	NOUN
fsr-3421	321	14	as	as	ADP
fsr-3421	321	15	a	a	DET
fsr-3421	321	16	profession	profession	NOUN
fsr-3421	321	17	.	.	PUNCT
fsr-3421	322	1	both	both	CCONJ
fsr-3421	322	2	the	the	DET
fsr-3421	322	3	fpa	fpa	PROPN
fsr-3421	322	4	and	and	CCONJ
fsr-3421	322	5	afa	afa	PROPN
fsr-3421	322	6	now	now	ADV
fsr-3421	322	7	have	have	VERB
fsr-3421	322	8	processes	process	NOUN
fsr-3421	322	9	and	and	CCONJ
fsr-3421	322	10	systems	system	NOUN
fsr-3421	322	11	for	for	ADP
fsr-3421	322	12	discipling	disciple	VERB
fsr-3421	322	13	members	member	NOUN
fsr-3421	322	14	.	.	PUNCT
fsr-3421	323	1	but	but	CCONJ
fsr-3421	323	2	the	the	DET
fsr-3421	323	3	evidence	evidence	NOUN
fsr-3421	323	4	before	before	SCONJ
fsr-3421	323	5	the	the	DET
fsr-3421	323	6	commission	commission	NOUN
fsr-3421	323	7	did	do	AUX
fsr-3421	323	8	not	not	PART
fsr-3421	323	9	show	show	VERB
fsr-3421	323	10	that	that	SCONJ
fsr-3421	323	11	either	either	CCONJ
fsr-3421	323	12	the	the	DET
fsr-3421	323	13	fpa	fpa	PROPN
fsr-3421	323	14	or	or	CCONJ
fsr-3421	323	15	the	the	DET
fsr-3421	323	16	afa	afa	PROPN
fsr-3421	323	17	currently	currently	ADV
fsr-3421	323	18	plays	play	VERB
fsr-3421	323	19	any	any	DET
fsr-3421	323	20	significant	significant	ADJ
fsr-3421	323	21	role	role	NOUN
fsr-3421	323	22	in	in	ADP
fsr-3421	323	23	maintaining	maintain	VERB
fsr-3421	323	24	or	or	CCONJ
fsr-3421	323	25	enforcing	enforce	VERB
fsr-3421	323	26	proper	proper	ADJ
fsr-3421	323	27	standards	standard	NOUN
fsr-3421	323	28	of	of	ADP
fsr-3421	323	29	conduct	conduct	NOUN
fsr-3421	323	30	by	by	ADP
fsr-3421	323	31	financial	financial	ADJ
fsr-3421	323	32	advisers	adviser	NOUN
fsr-3421	323	33	.	.	PUNCT
fsr-3421	324	1	(	(	PUNCT
fsr-3421	324	2	report	report	NOUN
fsr-3421	324	3	1	1	NUM
fsr-3421	324	4	:	:	SYM
fsr-3421	324	5	208	208	NUM
fsr-3421	324	6	)	)	PUNCT
fsr-3421	324	7	moreover	moreover	ADV
fsr-3421	324	8	,	,	PUNCT
fsr-3421	324	9	there	there	PRON
fsr-3421	324	10	are	be	VERB
fsr-3421	324	11	many	many	ADJ
fsr-3421	324	12	professional	professional	ADJ
fsr-3421	324	13	bodies	body	NOUN
fsr-3421	324	14	within	within	ADP
fsr-3421	324	15	the	the	DET
fsr-3421	324	16	financial	financial	ADJ
fsr-3421	324	17	services	service	NOUN
fsr-3421	324	18	industry	industry	NOUN
fsr-3421	324	19	all	all	PRON
fsr-3421	324	20	competing	compete	VERB
fsr-3421	324	21	for	for	ADP
fsr-3421	324	22	membership	membership	NOUN
fsr-3421	324	23	.	.	PUNCT
fsr-3421	325	1	until	until	SCONJ
fsr-3421	325	2	the	the	DET
fsr-3421	325	3	shift	shift	NOUN
fsr-3421	325	4	of	of	ADP
fsr-3421	325	5	authority	authority	NOUN
fsr-3421	325	6	is	be	AUX
fsr-3421	325	7	moved	move	VERB
fsr-3421	325	8	away	away	ADV
fsr-3421	325	9	from	from	ADP
fsr-3421	325	10	licensees	licensee	NOUN
fsr-3421	325	11	to	to	ADP
fsr-3421	325	12	professional	professional	ADJ
fsr-3421	325	13	bodies	body	NOUN
fsr-3421	325	14	,	,	PUNCT
fsr-3421	325	15	their	their	PRON
fsr-3421	325	16	ability	ability	NOUN
fsr-3421	325	17	to	to	PART
fsr-3421	325	18	enforce	enforce	VERB
fsr-3421	325	19	best	good	ADJ
fsr-3421	325	20	interest	interest	NOUN
fsr-3421	325	21	practice	practice	NOUN
fsr-3421	325	22	on	on	ADP
fsr-3421	325	23	financial	financial	ADJ
fsr-3421	325	24	advisors	advisor	NOUN
fsr-3421	325	25	will	will	AUX
fsr-3421	325	26	remain	remain	VERB
fsr-3421	325	27	limited	limited	ADJ
fsr-3421	325	28	and	and	CCONJ
fsr-3421	325	29	influence	influence	NOUN
fsr-3421	325	30	perceptions	perception	NOUN
fsr-3421	325	31	of	of	ADP
fsr-3421	325	32	best	good	ADJ
fsr-3421	325	33	interest	interest	NOUN
fsr-3421	325	34	practice	practice	NOUN
fsr-3421	325	35	.	.	PUNCT
fsr-3421	326	1	4.3.3	4.3.3	X
fsr-3421	326	2	.	.	PUNCT
fsr-3421	327	1	the	the	DET
fsr-3421	327	2	ombudsman	ombudsman	NOUN
fsr-3421	327	3	a	a	DET
fsr-3421	327	4	requirement	requirement	NOUN
fsr-3421	327	5	for	for	ADP
fsr-3421	327	6	licensees	licensee	NOUN
fsr-3421	327	7	in	in	ADP
fsr-3421	327	8	australia	australia	PROPN
fsr-3421	327	9	is	be	AUX
fsr-3421	327	10	that	that	SCONJ
fsr-3421	327	11	they	they	PRON
fsr-3421	327	12	must	must	AUX
fsr-3421	327	13	provide	provide	VERB
fsr-3421	327	14	clients	client	NOUN
fsr-3421	327	15	with	with	ADP
fsr-3421	327	16	both	both	CCONJ
fsr-3421	327	17	an	an	DET
fsr-3421	327	18	internal	internal	ADJ
fsr-3421	327	19	and	and	CCONJ
fsr-3421	327	20	external	external	ADJ
fsr-3421	327	21	complaint	complaint	NOUN
fsr-3421	327	22	service	service	NOUN
fsr-3421	327	23	.	.	PUNCT
fsr-3421	328	1	the	the	DET
fsr-3421	328	2	term	term	NOUN
fsr-3421	328	3	ombudsman	ombudsman	NOUN
fsr-3421	328	4	is	be	AUX
fsr-3421	328	5	used	use	VERB
fsr-3421	328	6	here	here	ADV
fsr-3421	328	7	to	to	PART
fsr-3421	328	8	refer	refer	VERB
fsr-3421	328	9	to	to	ADP
fsr-3421	328	10	the	the	DET
fsr-3421	328	11	external	external	ADJ
fsr-3421	328	12	services	service	NOUN
fsr-3421	328	13	bodies	body	NOUN
fsr-3421	328	14	that	that	PRON
fsr-3421	328	15	offer	offer	VERB
fsr-3421	328	16	external	external	ADJ
fsr-3421	328	17	complaint	complaint	NOUN
fsr-3421	328	18	services	service	NOUN
fsr-3421	328	19	.	.	PUNCT
fsr-3421	329	1	reports	report	VERB
fsr-3421	329	2	1	1	NUM
fsr-3421	329	3	and	and	CCONJ
fsr-3421	329	4	2	2	NUM
fsr-3421	329	5	notes	note	NOUN
fsr-3421	329	6	that	that	SCONJ
fsr-3421	329	7	these	these	DET
fsr-3421	329	8	bodies	body	NOUN
fsr-3421	329	9	amalgamated	amalgamate	VERB
fsr-3421	329	10	into	into	ADP
fsr-3421	329	11	a	a	DET
fsr-3421	329	12	single	single	ADJ
fsr-3421	329	13	external	external	ADJ
fsr-3421	329	14	dispute	dispute	NOUN
fsr-3421	329	15	resolution	resolution	NOUN
fsr-3421	329	16	service	service	NOUN
fsr-3421	329	17	;	;	PUNCT
fsr-3421	329	18	the	the	DET
fsr-3421	329	19	australian	australian	ADJ
fsr-3421	329	20	financial	financial	ADJ
fsr-3421	329	21	complaints	complaint	NOUN
fsr-3421	329	22	authority	authority	NOUN
fsr-3421	329	23	(	(	PUNCT
fsr-3421	329	24	afca	afca	PROPN
fsr-3421	329	25	)	)	PUNCT
fsr-3421	329	26	.	.	PUNCT
fsr-3421	330	1	when	when	SCONJ
fsr-3421	330	2	asked	ask	VERB
fsr-3421	330	3	if	if	SCONJ
fsr-3421	330	4	the	the	DET
fsr-3421	330	5	ombudsman	ombudsman	NOUN
fsr-3421	330	6	service	service	NOUN
fsr-3421	330	7	influences	influence	NOUN
fsr-3421	330	8	practices	practice	NOUN
fsr-3421	330	9	in	in	ADP
fsr-3421	330	10	financial	financial	ADJ
fsr-3421	330	11	advice	advice	NOUN
fsr-3421	330	12	one	one	NUM
fsr-3421	330	13	respondent	respondent	NOUN
fsr-3421	330	14	noted	note	VERB
fsr-3421	330	15	:	:	PUNCT
fsr-3421	330	16	no	no	INTJ
fsr-3421	330	17	i	i	PRON
fsr-3421	330	18	do	do	AUX
fsr-3421	330	19	n’t	not	PART
fsr-3421	330	20	think	think	VERB
fsr-3421	330	21	it	it	PRON
fsr-3421	330	22	does	do	VERB
fsr-3421	330	23	.	.	PUNCT
fsr-3421	331	1	i	i	PRON
fsr-3421	331	2	do	do	AUX
fsr-3421	331	3	n’t	not	PART
fsr-3421	331	4	think	think	VERB
fsr-3421	331	5	advisors	advisor	NOUN
fsr-3421	331	6	think	think	VERB
fsr-3421	331	7	too	too	ADV
fsr-3421	331	8	much	much	ADV
fsr-3421	331	9	about	about	ADP
fsr-3421	331	10	what	what	PRON
fsr-3421	331	11	may	may	AUX
fsr-3421	331	12	come	come	VERB
fsr-3421	331	13	of	of	ADP
fsr-3421	331	14	the	the	DET
fsr-3421	331	15	advice	advice	NOUN
fsr-3421	331	16	they	they	PRON
fsr-3421	331	17	are	be	AUX
fsr-3421	331	18	giving	give	VERB
fsr-3421	331	19	.	.	PUNCT
fsr-3421	331	20	.	.	PUNCT
fsr-3421	331	21	.	.	PUNCT
fsr-3421	332	1	i	i	PRON
fsr-3421	332	2	think	think	VERB
fsr-3421	332	3	most	most	ADJ
fsr-3421	332	4	day	day	NOUN
fsr-3421	332	5	to	to	ADP
fsr-3421	332	6	day	day	NOUN
fsr-3421	332	7	advisors	advisor	NOUN
fsr-3421	332	8	,	,	PUNCT
fsr-3421	332	9	they	they	PRON
fsr-3421	332	10	say	say	VERB
fsr-3421	332	11	that	that	SCONJ
fsr-3421	332	12	the	the	DET
fsr-3421	332	13	complaint	complaint	NOUN
fsr-3421	332	14	schemes	scheme	NOUN
fsr-3421	332	15	are	be	AUX
fsr-3421	332	16	there	there	ADV
fsr-3421	332	17	.	.	PUNCT
fsr-3421	333	1	it	it	PRON
fsr-3421	333	2	’s	’	VERB
fsr-3421	333	3	part	part	NOUN
fsr-3421	333	4	of	of	ADP
fsr-3421	333	5	the	the	DET
fsr-3421	333	6	industry	industry	NOUN
fsr-3421	333	7	and	and	CCONJ
fsr-3421	333	8	i	i	PRON
fsr-3421	333	9	think	think	VERB
fsr-3421	333	10	the	the	DET
fsr-3421	333	11	advisors	advisor	NOUN
fsr-3421	333	12	do	do	AUX
fsr-3421	333	13	n’t	not	PART
fsr-3421	333	14	think	think	VERB
fsr-3421	333	15	on	on	ADP
fsr-3421	333	16	it	it	PRON
fsr-3421	333	17	too	too	ADV
fsr-3421	333	18	much	much	ADV
fsr-3421	333	19	.	.	PUNCT
fsr-3421	334	1	(	(	PUNCT
fsr-3421	334	2	participant	participant	NOUN
fsr-3421	334	3	2	2	NUM
fsr-3421	334	4	)	)	PUNCT
fsr-3421	334	5	whilst	whilst	SCONJ
fsr-3421	334	6	the	the	DET
fsr-3421	334	7	ombudsman	ombudsman	NOUN
fsr-3421	334	8	service	service	NOUN
fsr-3421	334	9	could	could	AUX
fsr-3421	334	10	enforce	enforce	VERB
fsr-3421	334	11	best	good	ADJ
fsr-3421	334	12	interest	interest	NOUN
fsr-3421	334	13	practice	practice	NOUN
fsr-3421	334	14	on	on	ADP
fsr-3421	334	15	financial	financial	ADJ
fsr-3421	334	16	advisors	advisor	NOUN
fsr-3421	334	17	,	,	PUNCT
fsr-3421	334	18	its	its	PRON
fsr-3421	334	19	ability	ability	NOUN
fsr-3421	334	20	to	to	PART
fsr-3421	334	21	influence	influence	VERB
fsr-3421	334	22	financial	financial	ADJ
fsr-3421	334	23	advisors	advisor	NOUN
fsr-3421	334	24	is	be	AUX
fsr-3421	334	25	limited	limit	VERB
fsr-3421	334	26	because	because	SCONJ
fsr-3421	334	27	of	of	ADP
fsr-3421	334	28	its	its	PRON
fsr-3421	334	29	reactive	reactive	ADJ
fsr-3421	334	30	nature	nature	NOUN
fsr-3421	334	31	.	.	PUNCT
fsr-3421	335	1	rather	rather	ADV
fsr-3421	335	2	than	than	ADP
fsr-3421	335	3	being	be	AUX
fsr-3421	335	4	a	a	DET
fsr-3421	335	5	proactive	proactive	ADJ
fsr-3421	335	6	influence	influence	NOUN
fsr-3421	335	7	on	on	ADP
fsr-3421	335	8	advice	advice	NOUN
fsr-3421	335	9	,	,	PUNCT
fsr-3421	335	10	they	they	PRON
fsr-3421	335	11	adjudicate	adjudicate	VERB
fsr-3421	335	12	on	on	ADP
fsr-3421	335	13	any	any	DET
fsr-3421	335	14	customer	customer	NOUN
fsr-3421	335	15	complaints	complaint	NOUN
fsr-3421	335	16	only	only	ADV
fsr-3421	335	17	after	after	SCONJ
fsr-3421	335	18	the	the	DET
fsr-3421	335	19	issues	issue	NOUN
fsr-3421	335	20	are	be	AUX
fsr-3421	335	21	raised	raise	VERB
fsr-3421	335	22	.	.	PUNCT
fsr-3421	336	1	this	this	PRON
fsr-3421	336	2	reduces	reduce	VERB
fsr-3421	336	3	the	the	DET
fsr-3421	336	4	effectiveness	effectiveness	NOUN
fsr-3421	336	5	of	of	ADP
fsr-3421	336	6	an	an	DET
fsr-3421	336	7	ombudsman	ombudsman	NOUN
fsr-3421	336	8	service	service	NOUN
fsr-3421	336	9	to	to	PART
fsr-3421	336	10	enforce	enforce	VERB
fsr-3421	336	11	best	good	ADJ
fsr-3421	336	12	interest	interest	NOUN
fsr-3421	336	13	practice	practice	NOUN
fsr-3421	336	14	on	on	ADP
fsr-3421	336	15	financial	financial	ADJ
fsr-3421	336	16	advice	advice	NOUN
fsr-3421	336	17	.	.	PUNCT
fsr-3421	337	1	it	it	PRON
fsr-3421	337	2	is	be	AUX
fsr-3421	337	3	possible	possible	ADJ
fsr-3421	337	4	though	though	ADV
fsr-3421	337	5	,	,	PUNCT
fsr-3421	337	6	that	that	SCONJ
fsr-3421	337	7	a	a	DET
fsr-3421	337	8	decision	decision	NOUN
fsr-3421	337	9	made	make	VERB
fsr-3421	337	10	by	by	ADP
fsr-3421	337	11	an	an	DET
fsr-3421	337	12	ombudsman	ombudsman	NOUN
fsr-3421	337	13	could	could	AUX
fsr-3421	337	14	guide	guide	VERB
fsr-3421	337	15	financial	financial	ADJ
fsr-3421	337	16	advice	advice	NOUN
fsr-3421	337	17	as	as	SCONJ
fsr-3421	337	18	they	they	PRON
fsr-3421	337	19	serve	serve	VERB
fsr-3421	337	20	as	as	ADP
fsr-3421	337	21	examples	example	NOUN
fsr-3421	337	22	of	of	ADP
fsr-3421	337	23	malpractice	malpractice	NOUN
fsr-3421	337	24	and	and	CCONJ
fsr-3421	337	25	the	the	DET
fsr-3421	337	26	ombudsman	ombudsman	NOUN
fsr-3421	337	27	could	could	AUX
fsr-3421	337	28	conduct	conduct	VERB
fsr-3421	337	29	outreach	outreach	NOUN
fsr-3421	337	30	initiatives	initiative	NOUN
fsr-3421	337	31	to	to	PART
fsr-3421	337	32	influence	influence	VERB
fsr-3421	337	33	financial	financial	ADJ
fsr-3421	337	34	advice	advice	NOUN
fsr-3421	337	35	.	.	PUNCT
fsr-3421	338	1	at	at	ADP
fsr-3421	338	2	the	the	DET
fsr-3421	338	3	moment	moment	NOUN
fsr-3421	338	4	,	,	PUNCT
fsr-3421	338	5	such	such	ADJ
fsr-3421	338	6	practices	practice	NOUN
fsr-3421	338	7	do	do	AUX
fsr-3421	338	8	not	not	PART
fsr-3421	338	9	regularly	regularly	ADV
fsr-3421	338	10	occur	occur	VERB
fsr-3421	338	11	in	in	ADP
fsr-3421	338	12	australia	australia	PROPN
fsr-3421	338	13	.	.	PUNCT
fsr-3421	339	1	the	the	DET
fsr-3421	339	2	ombudsman	ombudsman	NOUN
fsr-3421	339	3	service	service	NOUN
fsr-3421	339	4	can	can	AUX
fsr-3421	339	5	also	also	ADV
fsr-3421	339	6	have	have	VERB
fsr-3421	339	7	an	an	DET
fsr-3421	339	8	indirect	indirect	ADJ
fsr-3421	339	9	influence	influence	NOUN
fsr-3421	339	10	over	over	ADP
fsr-3421	339	11	financial	financial	ADJ
fsr-3421	339	12	advisors	advisor	NOUN
fsr-3421	339	13	as	as	SCONJ
fsr-3421	339	14	the	the	DET
fsr-3421	339	15	advisors	advisor	NOUN
fsr-3421	339	16	will	will	AUX
fsr-3421	339	17	require	require	VERB
fsr-3421	339	18	professional	professional	ADJ
fsr-3421	339	19	indemnity	indemnity	NOUN
fsr-3421	339	20	insurance	insurance	NOUN
fsr-3421	339	21	,	,	PUNCT
fsr-3421	339	22	which	which	PRON
fsr-3421	339	23	is	be	AUX
fsr-3421	339	24	typically	typically	ADV
fsr-3421	339	25	purchased	purchase	VERB
fsr-3421	339	26	by	by	ADP
fsr-3421	339	27	the	the	DET
fsr-3421	339	28	licensee	licensee	NOUN
fsr-3421	339	29	.	.	PUNCT
fsr-3421	340	1	if	if	SCONJ
fsr-3421	340	2	a	a	DET
fsr-3421	340	3	financial	financial	ADJ
fsr-3421	340	4	advisor	advisor	NOUN
fsr-3421	340	5	is	be	AUX
fsr-3421	340	6	involved	involve	VERB
fsr-3421	340	7	with	with	ADP
fsr-3421	340	8	monetary	monetary	ADJ
fsr-3421	340	9	resolutions	resolution	NOUN
fsr-3421	340	10	from	from	ADP
fsr-3421	340	11	an	an	DET
fsr-3421	340	12	ombudsman	ombudsman	NOUN
fsr-3421	340	13	service	service	NOUN
fsr-3421	340	14	,	,	PUNCT
fsr-3421	340	15	then	then	ADV
fsr-3421	340	16	the	the	DET
fsr-3421	340	17	professional	professional	ADJ
fsr-3421	340	18	indemnity	indemnity	NOUN
fsr-3421	340	19	insurers	insurer	NOUN
fsr-3421	340	20	will	will	AUX
fsr-3421	340	21	be	be	AUX
fsr-3421	340	22	involved	involve	VERB
fsr-3421	340	23	to	to	PART
fsr-3421	340	24	cover	cover	VERB
fsr-3421	340	25	these	these	DET
fsr-3421	340	26	costs	cost	NOUN
fsr-3421	340	27	.	.	PUNCT
fsr-3421	341	1	as	as	ADP
fsr-3421	341	2	a	a	DET
fsr-3421	341	3	result	result	NOUN
fsr-3421	341	4	,	,	PUNCT
fsr-3421	341	5	premiums	premium	NOUN
fsr-3421	341	6	for	for	ADP
fsr-3421	341	7	professional	professional	ADJ
fsr-3421	341	8	indemnity	indemnity	NOUN
fsr-3421	341	9	will	will	AUX
fsr-3421	341	10	increase	increase	VERB
fsr-3421	341	11	following	follow	VERB
fsr-3421	341	12	resolutions	resolution	NOUN
fsr-3421	341	13	and	and	CCONJ
fsr-3421	341	14	the	the	DET
fsr-3421	341	15	148	148	NUM
fsr-3421	341	16	d.	d.	PROPN
fsr-3421	341	17	w.	w.	PROPN
fsr-3421	341	18	richards	richards	PROPN
fsr-3421	341	19	,	,	PUNCT
fsr-3421	341	20	e.	e.	PROPN
fsr-3421	341	21	f.	f.	PROPN
fsr-3421	341	22	morton	morton	PROPN
fsr-3421	341	23	/	/	SYM
fsr-3421	341	24	financial	financial	ADJ
fsr-3421	341	25	services	service	NOUN
fsr-3421	341	26	review	review	VERB
fsr-3421	341	27	28	28	NUM
fsr-3421	341	28	(	(	PUNCT
fsr-3421	341	29	2020	2020	NUM
fsr-3421	341	30	)	)	PUNCT
fsr-3421	341	31	133–158	133–158	NUM
fsr-3421	341	32	licensee	licensee	NOUN
fsr-3421	341	33	may	may	AUX
fsr-3421	341	34	review	review	VERB
fsr-3421	341	35	practices	practice	NOUN
fsr-3421	341	36	,	,	PUNCT
fsr-3421	341	37	including	include	VERB
fsr-3421	341	38	impediments	impediment	NOUN
fsr-3421	341	39	to	to	PART
fsr-3421	341	40	best	good	ADJ
fsr-3421	341	41	interest	interest	NOUN
fsr-3421	341	42	practice	practice	NOUN
fsr-3421	341	43	,	,	PUNCT
fsr-3421	341	44	to	to	PART
fsr-3421	341	45	reduce	reduce	VERB
fsr-3421	341	46	professional	professional	ADJ
fsr-3421	341	47	indemnity	indemnity	NOUN
fsr-3421	341	48	insurance	insurance	NOUN
fsr-3421	341	49	premiums	premium	NOUN
fsr-3421	341	50	.	.	PUNCT
fsr-3421	342	1	however	however	ADV
fsr-3421	342	2	,	,	PUNCT
fsr-3421	342	3	this	this	DET
fsr-3421	342	4	review	review	NOUN
fsr-3421	342	5	of	of	ADP
fsr-3421	342	6	practices	practice	NOUN
fsr-3421	342	7	to	to	PART
fsr-3421	342	8	increase	increase	VERB
fsr-3421	342	9	a	a	DET
fsr-3421	342	10	client	client	NOUN
fsr-3421	342	11	’s	’s	PART
fsr-3421	342	12	best	good	ADJ
fsr-3421	342	13	interest	interest	NOUN
fsr-3421	342	14	practice	practice	NOUN
fsr-3421	342	15	again	again	ADV
fsr-3421	342	16	relies	rely	VERB
fsr-3421	342	17	on	on	ADP
fsr-3421	342	18	the	the	DET
fsr-3421	342	19	licensee	licensee	NOUN
fsr-3421	342	20	enforcing	enforce	VERB
fsr-3421	342	21	it	it	PRON
fsr-3421	342	22	.	.	PUNCT
fsr-3421	343	1	if	if	SCONJ
fsr-3421	343	2	a	a	DET
fsr-3421	343	3	licensee	licensee	NOUN
fsr-3421	343	4	is	be	AUX
fsr-3421	343	5	closely	closely	ADV
fsr-3421	343	6	aligned	align	VERB
fsr-3421	343	7	with	with	ADP
fsr-3421	343	8	financial	financial	ADJ
fsr-3421	343	9	product	product	NOUN
fsr-3421	343	10	providers	provider	NOUN
fsr-3421	343	11	,	,	PUNCT
fsr-3421	343	12	then	then	ADV
fsr-3421	343	13	it	it	PRON
fsr-3421	343	14	will	will	AUX
fsr-3421	343	15	not	not	PART
fsr-3421	343	16	change	change	VERB
fsr-3421	343	17	practices	practice	NOUN
fsr-3421	343	18	to	to	PART
fsr-3421	343	19	enforce	enforce	VERB
fsr-3421	343	20	a	a	DET
fsr-3421	343	21	prioritization	prioritization	NOUN
fsr-3421	343	22	of	of	ADP
fsr-3421	343	23	a	a	DET
fsr-3421	343	24	client	client	NOUN
fsr-3421	343	25	’s	’s	PART
fsr-3421	343	26	best	good	ADJ
fsr-3421	343	27	interest	interest	NOUN
fsr-3421	343	28	because	because	SCONJ
fsr-3421	343	29	of	of	ADP
fsr-3421	343	30	this	this	DET
fsr-3421	343	31	alignment	alignment	NOUN
fsr-3421	343	32	.	.	PUNCT
fsr-3421	344	1	thus	thus	ADV
fsr-3421	344	2	,	,	PUNCT
fsr-3421	344	3	the	the	DET
fsr-3421	344	4	ability	ability	NOUN
fsr-3421	344	5	for	for	ADP
fsr-3421	344	6	an	an	DET
fsr-3421	344	7	ombudsman	ombudsman	NOUN
fsr-3421	344	8	service	service	NOUN
fsr-3421	344	9	to	to	PART
fsr-3421	344	10	enforce	enforce	VERB
fsr-3421	344	11	client	client	NOUN
fsr-3421	344	12	’s	’s	PART
fsr-3421	344	13	best	good	ADJ
fsr-3421	344	14	interest	interest	NOUN
fsr-3421	344	15	practice	practice	NOUN
fsr-3421	344	16	is	be	AUX
fsr-3421	344	17	impeded	impede	VERB
fsr-3421	344	18	by	by	ADP
fsr-3421	344	19	the	the	DET
fsr-3421	344	20	license	license	NOUN
fsr-3421	344	21	business	business	NOUN
fsr-3421	344	22	model	model	NOUN
fsr-3421	344	23	.	.	PUNCT
fsr-3421	345	1	4.3.4	4.3.4	NOUN
fsr-3421	345	2	.	.	PUNCT
fsr-3421	346	1	education	education	NOUN
fsr-3421	346	2	providers	provider	NOUN
fsr-3421	346	3	education	education	NOUN
fsr-3421	346	4	providers	provider	NOUN
fsr-3421	346	5	influence	influence	VERB
fsr-3421	346	6	how	how	SCONJ
fsr-3421	346	7	financial	financial	ADJ
fsr-3421	346	8	advice	advice	NOUN
fsr-3421	346	9	is	be	AUX
fsr-3421	346	10	given	give	VERB
fsr-3421	346	11	by	by	ADP
fsr-3421	346	12	providing	provide	VERB
fsr-3421	346	13	initial	initial	ADJ
fsr-3421	346	14	education	education	NOUN
fsr-3421	346	15	and	and	CCONJ
fsr-3421	346	16	also	also	ADV
fsr-3421	346	17	providing	provide	VERB
fsr-3421	346	18	ongoing	ongoing	ADJ
fsr-3421	346	19	professional	professional	ADJ
fsr-3421	346	20	development	development	NOUN
fsr-3421	346	21	.	.	PUNCT
fsr-3421	347	1	a	a	DET
fsr-3421	347	2	strong	strong	ADJ
fsr-3421	347	3	argument	argument	NOUN
fsr-3421	347	4	presented	present	VERB
fsr-3421	347	5	in	in	ADP
fsr-3421	347	6	the	the	DET
fsr-3421	347	7	government	government	NOUN
fsr-3421	347	8	enquiry	enquiry	NOUN
fsr-3421	347	9	data	datum	NOUN
fsr-3421	347	10	is	be	AUX
fsr-3421	347	11	that	that	SCONJ
fsr-3421	347	12	prerequisites	prerequisite	NOUN
fsr-3421	347	13	to	to	PART
fsr-3421	347	14	give	give	VERB
fsr-3421	347	15	financial	financial	ADJ
fsr-3421	347	16	advice	advice	NOUN
fsr-3421	347	17	,	,	PUNCT
fsr-3421	347	18	set	set	VERB
fsr-3421	347	19	at	at	ADP
fsr-3421	347	20	a	a	DET
fsr-3421	347	21	diploma	diploma	NOUN
fsr-3421	347	22	level	level	NOUN
fsr-3421	347	23	,	,	PUNCT
fsr-3421	347	24	are	be	AUX
fsr-3421	347	25	too	too	ADV
fsr-3421	347	26	low	low	ADJ
fsr-3421	347	27	and	and	CCONJ
fsr-3421	347	28	that	that	SCONJ
fsr-3421	347	29	one	one	NUM
fsr-3421	347	30	factor	factor	NOUN
fsr-3421	347	31	to	to	PART
fsr-3421	347	32	improve	improve	VERB
fsr-3421	347	33	financial	financial	ADJ
fsr-3421	347	34	advice	advice	NOUN
fsr-3421	347	35	should	should	AUX
fsr-3421	347	36	be	be	AUX
fsr-3421	347	37	to	to	PART
fsr-3421	347	38	raise	raise	VERB
fsr-3421	347	39	the	the	DET
fsr-3421	347	40	qualification	qualification	NOUN
fsr-3421	347	41	level	level	NOUN
fsr-3421	347	42	.	.	PUNCT
fsr-3421	348	1	for	for	ADP
fsr-3421	348	2	example	example	NOUN
fsr-3421	348	3	:	:	PUNCT
fsr-3421	348	4	lifting	lift	VERB
fsr-3421	348	5	the	the	DET
fsr-3421	348	6	qualifications	qualification	NOUN
fsr-3421	348	7	of	of	ADP
fsr-3421	348	8	financial	financial	ADJ
fsr-3421	348	9	advisers	adviser	NOUN
fsr-3421	348	10	and	and	CCONJ
fsr-3421	348	11	the	the	DET
fsr-3421	348	12	standards	standard	NOUN
fsr-3421	348	13	of	of	ADP
fsr-3421	348	14	advice	advice	NOUN
fsr-3421	348	15	provided	provide	VERB
fsr-3421	348	16	to	to	ADP
fsr-3421	348	17	consumers	consumer	NOUN
fsr-3421	348	18	and	and	CCONJ
fsr-3421	348	19	investors	investor	NOUN
fsr-3421	348	20	becomes	become	VERB
fsr-3421	348	21	just	just	ADV
fsr-3421	348	22	one	one	NUM
fsr-3421	348	23	important	important	ADJ
fsr-3421	348	24	defense	defense	NOUN
fsr-3421	348	25	mechanism	mechanism	NOUN
fsr-3421	348	26	to	to	PART
fsr-3421	348	27	help	help	VERB
fsr-3421	348	28	reduce	reduce	VERB
fsr-3421	348	29	the	the	DET
fsr-3421	348	30	risk	risk	NOUN
fsr-3421	348	31	of	of	ADP
fsr-3421	348	32	failure	failure	NOUN
fsr-3421	348	33	in	in	ADP
fsr-3421	348	34	the	the	DET
fsr-3421	348	35	broader	broad	ADJ
fsr-3421	348	36	system	system	NOUN
fsr-3421	348	37	.	.	PUNCT
fsr-3421	349	1	(	(	PUNCT
fsr-3421	349	2	report	report	VERB
fsr-3421	349	3	3	3	NUM
fsr-3421	349	4	:	:	SYM
fsr-3421	349	5	15	15	NUM
fsr-3421	349	6	)	)	PUNCT
fsr-3421	349	7	thus	thus	ADV
fsr-3421	349	8	,	,	PUNCT
fsr-3421	349	9	the	the	DET
fsr-3421	349	10	education	education	NOUN
fsr-3421	349	11	level	level	NOUN
fsr-3421	349	12	has	have	AUX
fsr-3421	349	13	been	be	AUX
fsr-3421	349	14	raised	raise	VERB
fsr-3421	349	15	with	with	ADP
fsr-3421	349	16	new	new	ADJ
fsr-3421	349	17	entrants	entrant	NOUN
fsr-3421	349	18	to	to	ADP
fsr-3421	349	19	financial	financial	ADJ
fsr-3421	349	20	advice	advice	NOUN
fsr-3421	349	21	requiring	require	VERB
fsr-3421	349	22	a	a	DET
fsr-3421	349	23	degree	degree	NOUN
fsr-3421	349	24	from	from	ADP
fsr-3421	349	25	2019	2019	NUM
fsr-3421	349	26	,	,	PUNCT
fsr-3421	349	27	whilst	whilst	SCONJ
fsr-3421	349	28	existing	exist	VERB
fsr-3421	349	29	advisors	advisor	NOUN
fsr-3421	349	30	have	have	VERB
fsr-3421	349	31	until	until	ADP
fsr-3421	349	32	january	january	PROPN
fsr-3421	349	33	1	1	NUM
fsr-3421	349	34	,	,	PUNCT
fsr-3421	349	35	2024	2024	NUM
fsr-3421	349	36	to	to	PART
fsr-3421	349	37	meet	meet	VERB
fsr-3421	349	38	the	the	DET
fsr-3421	349	39	new	new	ADJ
fsr-3421	349	40	requirements	requirement	NOUN
fsr-3421	349	41	(	(	PUNCT
fsr-3421	349	42	fasea	fasea	NOUN
fsr-3421	349	43	,	,	PUNCT
fsr-3421	349	44	2018	2018	NUM
fsr-3421	349	45	)	)	PUNCT
fsr-3421	349	46	.	.	PUNCT
fsr-3421	350	1	going	go	VERB
fsr-3421	350	2	forward	forward	ADV
fsr-3421	350	3	universities	university	NOUN
fsr-3421	350	4	will	will	AUX
fsr-3421	350	5	play	play	VERB
fsr-3421	350	6	more	more	ADJ
fsr-3421	350	7	of	of	ADP
fsr-3421	350	8	a	a	DET
fsr-3421	350	9	role	role	NOUN
fsr-3421	350	10	in	in	ADP
fsr-3421	350	11	influencing	influence	VERB
fsr-3421	350	12	financial	financial	ADJ
fsr-3421	350	13	advisors	advisor	NOUN
fsr-3421	350	14	by	by	ADP
fsr-3421	350	15	educating	educate	VERB
fsr-3421	350	16	future	future	ADJ
fsr-3421	350	17	advisors	advisor	NOUN
fsr-3421	350	18	on	on	ADP
fsr-3421	350	19	best	good	ADJ
fsr-3421	350	20	practice	practice	NOUN
fsr-3421	350	21	in	in	ADP
fsr-3421	350	22	the	the	DET
fsr-3421	350	23	workforce	workforce	NOUN
fsr-3421	350	24	.	.	PUNCT
fsr-3421	351	1	education	education	NOUN
fsr-3421	351	2	does	do	AUX
fsr-3421	351	3	present	present	VERB
fsr-3421	351	4	an	an	DET
fsr-3421	351	5	ability	ability	NOUN
fsr-3421	351	6	to	to	PART
fsr-3421	351	7	influence	influence	VERB
fsr-3421	351	8	financial	financial	ADJ
fsr-3421	351	9	advisors	advisor	NOUN
fsr-3421	351	10	towards	towards	ADP
fsr-3421	351	11	client	client	NOUN
fsr-3421	351	12	’s	’s	PART
fsr-3421	351	13	best	good	ADJ
fsr-3421	351	14	interest	interest	NOUN
fsr-3421	351	15	practice	practice	NOUN
fsr-3421	351	16	.	.	PUNCT
fsr-3421	352	1	through	through	ADP
fsr-3421	352	2	rigorous	rigorous	ADJ
fsr-3421	352	3	ethics	ethic	NOUN
fsr-3421	352	4	training	training	NOUN
fsr-3421	352	5	,	,	PUNCT
fsr-3421	352	6	education	education	NOUN
fsr-3421	352	7	providers	provider	NOUN
fsr-3421	352	8	could	could	AUX
fsr-3421	352	9	create	create	VERB
fsr-3421	352	10	the	the	DET
fsr-3421	352	11	framework	framework	NOUN
fsr-3421	352	12	and	and	CCONJ
fsr-3421	352	13	discourse	discourse	NOUN
fsr-3421	352	14	for	for	ADP
fsr-3421	352	15	considering	consider	VERB
fsr-3421	352	16	a	a	DET
fsr-3421	352	17	client	client	NOUN
fsr-3421	352	18	’s	’s	PART
fsr-3421	352	19	best	good	ADJ
fsr-3421	352	20	interest	interest	NOUN
fsr-3421	352	21	in	in	ADP
fsr-3421	352	22	financial	financial	ADJ
fsr-3421	352	23	advice	advice	NOUN
fsr-3421	352	24	.	.	PUNCT
fsr-3421	353	1	the	the	DET
fsr-3421	353	2	ability	ability	NOUN
fsr-3421	353	3	to	to	PART
fsr-3421	353	4	implement	implement	VERB
fsr-3421	353	5	has	have	AUX
fsr-3421	353	6	previously	previously	ADV
fsr-3421	353	7	been	be	AUX
fsr-3421	353	8	limited	limit	VERB
fsr-3421	353	9	for	for	ADP
fsr-3421	353	10	two	two	NUM
fsr-3421	353	11	reasons	reason	NOUN
fsr-3421	353	12	.	.	PUNCT
fsr-3421	354	1	firstly	firstly	ADV
fsr-3421	354	2	,	,	PUNCT
fsr-3421	354	3	licensees	licensee	NOUN
fsr-3421	354	4	could	could	AUX
fsr-3421	354	5	stipulate	stipulate	VERB
fsr-3421	354	6	some	some	PRON
fsr-3421	354	7	of	of	ADP
fsr-3421	354	8	the	the	DET
fsr-3421	354	9	cpd	cpd	NOUN
fsr-3421	354	10	that	that	PRON
fsr-3421	354	11	a	a	DET
fsr-3421	354	12	financial	financial	ADJ
fsr-3421	354	13	advisor	advisor	NOUN
fsr-3421	354	14	undertakes	undertake	VERB
fsr-3421	354	15	and	and	CCONJ
fsr-3421	354	16	thus	thus	ADV
fsr-3421	354	17	may	may	AUX
fsr-3421	354	18	not	not	PART
fsr-3421	354	19	include	include	VERB
fsr-3421	354	20	courses	course	NOUN
fsr-3421	354	21	on	on	ADP
fsr-3421	354	22	ethics	ethic	NOUN
fsr-3421	354	23	and	and	CCONJ
fsr-3421	354	24	conducting	conduct	VERB
fsr-3421	354	25	advice	advice	NOUN
fsr-3421	354	26	in	in	ADP
fsr-3421	354	27	a	a	DET
fsr-3421	354	28	client	client	NOUN
fsr-3421	354	29	’s	’s	PART
fsr-3421	354	30	best	good	ADJ
fsr-3421	354	31	interest	interest	NOUN
fsr-3421	354	32	.	.	PUNCT
fsr-3421	355	1	secondly	secondly	ADV
fsr-3421	355	2	,	,	PUNCT
fsr-3421	355	3	education	education	NOUN
fsr-3421	355	4	does	do	AUX
fsr-3421	355	5	not	not	PART
fsr-3421	355	6	fundamentally	fundamentally	ADV
fsr-3421	355	7	change	change	VERB
fsr-3421	355	8	the	the	DET
fsr-3421	355	9	alignment	alignment	NOUN
fsr-3421	355	10	between	between	ADP
fsr-3421	355	11	a	a	DET
fsr-3421	355	12	financial	financial	ADJ
fsr-3421	355	13	advisor	advisor	NOUN
fsr-3421	355	14	and	and	CCONJ
fsr-3421	355	15	a	a	DET
fsr-3421	355	16	product	product	NOUN
fsr-3421	355	17	provider	provider	NOUN
fsr-3421	355	18	that	that	PRON
fsr-3421	355	19	causes	cause	VERB
fsr-3421	355	20	breaches	breach	NOUN
fsr-3421	355	21	in	in	ADP
fsr-3421	355	22	a	a	DET
fsr-3421	355	23	client	client	NOUN
fsr-3421	355	24	’s	’s	PART
fsr-3421	355	25	best	good	ADJ
fsr-3421	355	26	interest	interest	NOUN
fsr-3421	355	27	practice	practice	NOUN
fsr-3421	355	28	.	.	PUNCT
fsr-3421	356	1	this	this	DET
fsr-3421	356	2	relationship	relationship	NOUN
fsr-3421	356	3	is	be	AUX
fsr-3421	356	4	controlled	control	VERB
fsr-3421	356	5	by	by	ADP
fsr-3421	356	6	the	the	DET
fsr-3421	356	7	licensee	licensee	NOUN
fsr-3421	356	8	who	who	PRON
fsr-3421	356	9	authorizes	authorize	VERB
fsr-3421	356	10	the	the	DET
fsr-3421	356	11	financial	financial	ADJ
fsr-3421	356	12	advisor	advisor	NOUN
fsr-3421	356	13	and	and	CCONJ
fsr-3421	356	14	controls	control	VERB
fsr-3421	356	15	the	the	DET
fsr-3421	356	16	terms	term	NOUN
fsr-3421	356	17	under	under	ADP
fsr-3421	356	18	which	which	PRON
fsr-3421	356	19	the	the	DET
fsr-3421	356	20	financial	financial	ADJ
fsr-3421	356	21	advisor	advisor	NOUN
fsr-3421	356	22	operates	operate	VERB
fsr-3421	356	23	.	.	PUNCT
fsr-3421	357	1	thus	thus	ADV
fsr-3421	357	2	,	,	PUNCT
fsr-3421	357	3	whilst	whilst	SCONJ
fsr-3421	357	4	education	education	NOUN
fsr-3421	357	5	can	can	AUX
fsr-3421	357	6	offer	offer	VERB
fsr-3421	357	7	an	an	DET
fsr-3421	357	8	opportunity	opportunity	NOUN
fsr-3421	357	9	to	to	PART
fsr-3421	357	10	improve	improve	VERB
fsr-3421	357	11	client	client	NOUN
fsr-3421	357	12	’s	’s	PART
fsr-3421	357	13	best	good	ADJ
fsr-3421	357	14	interest	interest	NOUN
fsr-3421	357	15	practice	practice	NOUN
fsr-3421	357	16	of	of	ADP
fsr-3421	357	17	financial	financial	ADJ
fsr-3421	357	18	advisors	advisor	NOUN
fsr-3421	357	19	,	,	PUNCT
fsr-3421	357	20	it	it	PRON
fsr-3421	357	21	has	have	AUX
fsr-3421	357	22	been	be	AUX
fsr-3421	357	23	thwarted	thwart	VERB
fsr-3421	357	24	by	by	ADP
fsr-3421	357	25	the	the	DET
fsr-3421	357	26	context	context	NOUN
fsr-3421	357	27	in	in	ADP
fsr-3421	357	28	which	which	PRON
fsr-3421	357	29	a	a	DET
fsr-3421	357	30	financial	financial	ADJ
fsr-3421	357	31	advisor	advisor	NOUN
fsr-3421	357	32	operates	operate	VERB
fsr-3421	357	33	.	.	PUNCT
fsr-3421	358	1	4.3.5	4.3.5	X
fsr-3421	358	2	.	.	PUNCT
fsr-3421	359	1	government	government	NOUN
fsr-3421	359	2	in	in	ADP
fsr-3421	359	3	addition	addition	NOUN
fsr-3421	359	4	,	,	PUNCT
fsr-3421	359	5	the	the	DET
fsr-3421	359	6	government	government	NOUN
fsr-3421	359	7	also	also	ADV
fsr-3421	359	8	has	have	VERB
fsr-3421	359	9	two	two	NUM
fsr-3421	359	10	organizations	organization	NOUN
fsr-3421	359	11	it	it	PRON
fsr-3421	359	12	uses	use	VERB
fsr-3421	359	13	to	to	PART
fsr-3421	359	14	enact	enact	VERB
fsr-3421	359	15	legislation	legislation	NOUN
fsr-3421	359	16	:	:	PUNCT
fsr-3421	359	17	asic	asic	NOUN
fsr-3421	359	18	and	and	CCONJ
fsr-3421	359	19	more	more	ADV
fsr-3421	359	20	recently	recently	ADV
fsr-3421	359	21	,	,	PUNCT
fsr-3421	359	22	fasea	fasea	PROPN
fsr-3421	359	23	.	.	PUNCT
fsr-3421	360	1	asic	asic	PROPN
fsr-3421	360	2	controls	control	VERB
fsr-3421	360	3	the	the	DET
fsr-3421	360	4	financial	financial	ADJ
fsr-3421	360	5	services	service	NOUN
fsr-3421	360	6	environment	environment	NOUN
fsr-3421	360	7	in	in	ADP
fsr-3421	360	8	australia	australia	PROPN
fsr-3421	360	9	and	and	CCONJ
fsr-3421	360	10	is	be	AUX
fsr-3421	360	11	responsible	responsible	ADJ
fsr-3421	360	12	for	for	ADP
fsr-3421	360	13	enacting	enact	VERB
fsr-3421	360	14	legislation	legislation	NOUN
fsr-3421	360	15	by	by	ADP
fsr-3421	360	16	creating	create	VERB
fsr-3421	360	17	regulatory	regulatory	ADJ
fsr-3421	360	18	guides	guide	NOUN
fsr-3421	360	19	that	that	PRON
fsr-3421	360	20	govern	govern	VERB
fsr-3421	360	21	financial	financial	ADJ
fsr-3421	360	22	advice	advice	NOUN
fsr-3421	360	23	.	.	PUNCT
fsr-3421	361	1	thus	thus	ADV
fsr-3421	361	2	,	,	PUNCT
fsr-3421	361	3	it	it	PRON
fsr-3421	361	4	yields	yield	VERB
fsr-3421	361	5	substantial	substantial	ADJ
fsr-3421	361	6	influence	influence	NOUN
fsr-3421	361	7	over	over	ADP
fsr-3421	361	8	both	both	DET
fsr-3421	361	9	licensee	licensee	NOUN
fsr-3421	361	10	and	and	CCONJ
fsr-3421	361	11	a	a	DET
fsr-3421	361	12	direct	direct	ADJ
fsr-3421	361	13	influence	influence	NOUN
fsr-3421	361	14	over	over	ADP
fsr-3421	361	15	financial	financial	ADJ
fsr-3421	361	16	advisors	advisor	NOUN
fsr-3421	361	17	via	via	ADP
fsr-3421	361	18	a	a	DET
fsr-3421	361	19	register	register	NOUN
fsr-3421	361	20	it	it	PRON
fsr-3421	361	21	maintains	maintain	VERB
fsr-3421	361	22	(	(	PUNCT
fsr-3421	361	23	asic	asic	NOUN
fsr-3421	361	24	,	,	PUNCT
fsr-3421	361	25	2017	2017	NUM
fsr-3421	361	26	)	)	PUNCT
fsr-3421	361	27	.	.	PUNCT
fsr-3421	362	1	the	the	DET
fsr-3421	362	2	register	register	NOUN
fsr-3421	362	3	provides	provide	VERB
fsr-3421	362	4	the	the	DET
fsr-3421	362	5	australian	australian	ADJ
fsr-3421	362	6	public	public	NOUN
fsr-3421	362	7	with	with	ADP
fsr-3421	362	8	a	a	DET
fsr-3421	362	9	list	list	NOUN
fsr-3421	362	10	of	of	ADP
fsr-3421	362	11	all	all	DET
fsr-3421	362	12	past	past	ADJ
fsr-3421	362	13	and	and	CCONJ
fsr-3421	362	14	present	present	ADJ
fsr-3421	362	15	financial	financial	ADJ
fsr-3421	362	16	advisors	advisor	NOUN
fsr-3421	362	17	who	who	PRON
fsr-3421	362	18	are	be	AUX
fsr-3421	362	19	or	or	CCONJ
fsr-3421	362	20	have	have	AUX
fsr-3421	362	21	been	be	AUX
fsr-3421	362	22	allowed	allow	VERB
fsr-3421	362	23	to	to	PART
fsr-3421	362	24	practice	practice	VERB
fsr-3421	362	25	in	in	ADP
fsr-3421	362	26	australia	australia	PROPN
fsr-3421	362	27	.	.	PUNCT
fsr-3421	363	1	the	the	DET
fsr-3421	363	2	information	information	NOUN
fsr-3421	363	3	on	on	ADP
fsr-3421	363	4	public	public	ADJ
fsr-3421	363	5	display	display	NOUN
fsr-3421	363	6	includes	include	VERB
fsr-3421	363	7	the	the	DET
fsr-3421	363	8	advisor	advisor	NOUN
fsr-3421	363	9	’s	’s	NOUN
fsr-3421	363	10	:	:	PUNCT
fsr-3421	363	11	name	name	NOUN
fsr-3421	363	12	,	,	PUNCT
fsr-3421	363	13	unique	unique	ADJ
fsr-3421	363	14	identifier	identifier	NOUN
fsr-3421	363	15	,	,	PUNCT
fsr-3421	363	16	status	status	NOUN
fsr-3421	363	17	(	(	PUNCT
fsr-3421	363	18	current	current	ADJ
fsr-3421	363	19	or	or	CCONJ
fsr-3421	363	20	ceased	cease	VERB
fsr-3421	363	21	)	)	PUNCT
fsr-3421	363	22	,	,	PUNCT
fsr-3421	363	23	licensee	licensee	NOUN
fsr-3421	363	24	,	,	PUNCT
fsr-3421	363	25	qualifications	qualification	NOUN
fsr-3421	363	26	,	,	PUNCT
fsr-3421	363	27	affiliations	affiliation	NOUN
fsr-3421	363	28	,	,	PUNCT
fsr-3421	363	29	products	product	NOUN
fsr-3421	363	30	they	they	PRON
fsr-3421	363	31	can	can	AUX
fsr-3421	363	32	advise	advise	VERB
fsr-3421	363	33	on	on	ADP
fsr-3421	363	34	,	,	PUNCT
fsr-3421	363	35	appointments	appointment	NOUN
fsr-3421	363	36	,	,	PUNCT
fsr-3421	363	37	and	and	CCONJ
fsr-3421	363	38	any	any	DET
fsr-3421	363	39	disciplinary	disciplinary	ADJ
fsr-3421	363	40	actions	action	NOUN
fsr-3421	363	41	.	.	PUNCT
fsr-3421	364	1	d.	d.	PROPN
fsr-3421	364	2	w.	w.	PROPN
fsr-3421	364	3	richards	richards	PROPN
fsr-3421	364	4	,	,	PUNCT
fsr-3421	364	5	e.	e.	PROPN
fsr-3421	364	6	f.	f.	PROPN
fsr-3421	364	7	morton	morton	PROPN
fsr-3421	364	8	/	/	SYM
fsr-3421	364	9	financial	financial	ADJ
fsr-3421	364	10	services	service	NOUN
fsr-3421	364	11	review	review	VERB
fsr-3421	364	12	28	28	NUM
fsr-3421	364	13	(	(	PUNCT
fsr-3421	364	14	2020	2020	NUM
fsr-3421	364	15	)	)	PUNCT
fsr-3421	365	1	133–158	133–158	NUM
fsr-3421	365	2	149	149	NUM
fsr-3421	365	3	asic	asic	NOUN
fsr-3421	365	4	can	can	AUX
fsr-3421	365	5	change	change	VERB
fsr-3421	365	6	an	an	DET
fsr-3421	365	7	advisor	advisor	NOUN
fsr-3421	365	8	’s	’s	PART
fsr-3421	365	9	status	status	NOUN
fsr-3421	365	10	following	follow	VERB
fsr-3421	365	11	disciplinary	disciplinary	ADJ
fsr-3421	365	12	action	action	NOUN
fsr-3421	365	13	where	where	SCONJ
fsr-3421	365	14	their	their	PRON
fsr-3421	365	15	right	right	NOUN
fsr-3421	365	16	to	to	PART
fsr-3421	365	17	provide	provide	VERB
fsr-3421	365	18	financial	financial	ADJ
fsr-3421	365	19	advice	advice	NOUN
fsr-3421	365	20	is	be	AUX
fsr-3421	365	21	revoked	revoke	VERB
fsr-3421	365	22	.	.	PUNCT
fsr-3421	366	1	however	however	ADV
fsr-3421	366	2	,	,	PUNCT
fsr-3421	366	3	report	report	NOUN
fsr-3421	366	4	1	1	NUM
fsr-3421	366	5	finds	find	VERB
fsr-3421	366	6	asic	asic	PROPN
fsr-3421	366	7	has	have	VERB
fsr-3421	366	8	a	a	DET
fsr-3421	366	9	fragmented	fragmented	ADJ
fsr-3421	366	10	and	and	CCONJ
fsr-3421	366	11	ineffective	ineffective	ADJ
fsr-3421	366	12	disciplinary	disciplinary	ADJ
fsr-3421	366	13	system	system	NOUN
fsr-3421	366	14	for	for	ADP
fsr-3421	366	15	financial	financial	ADJ
fsr-3421	366	16	advisors	advisor	NOUN
fsr-3421	366	17	and	and	CCONJ
fsr-3421	366	18	explains	explain	VERB
fsr-3421	366	19	the	the	DET
fsr-3421	366	20	reason	reason	NOUN
fsr-3421	366	21	for	for	ADP
fsr-3421	366	22	this	this	PRON
fsr-3421	366	23	where	where	SCONJ
fsr-3421	366	24	it	it	PRON
fsr-3421	366	25	states	state	VERB
fsr-3421	366	26	:	:	PUNCT
fsr-3421	366	27	asic	asic	PROPN
fsr-3421	366	28	said	say	VERB
fsr-3421	366	29	that	that	SCONJ
fsr-3421	366	30	,	,	PUNCT
fsr-3421	366	31	as	as	ADP
fsr-3421	366	32	a	a	DET
fsr-3421	366	33	regulator	regulator	NOUN
fsr-3421	366	34	,	,	PUNCT
fsr-3421	366	35	its	its	PRON
fsr-3421	366	36	role	role	NOUN
fsr-3421	366	37	is	be	AUX
fsr-3421	366	38	to	to	PART
fsr-3421	366	39	oversee	oversee	VERB
fsr-3421	366	40	advisers	adviser	NOUN
fsr-3421	366	41	’	’	PART
fsr-3421	366	42	compliance	compliance	NOUN
fsr-3421	366	43	with	with	ADP
fsr-3421	366	44	the	the	DET
fsr-3421	366	45	law	law	NOUN
fsr-3421	366	46	and	and	CCONJ
fsr-3421	366	47	not	not	PART
fsr-3421	366	48	to	to	PART
fsr-3421	366	49	supervise	supervise	VERB
fsr-3421	366	50	or	or	CCONJ
fsr-3421	366	51	monitor	monitor	VERB
fsr-3421	366	52	their	their	PRON
fsr-3421	366	53	work	work	NOUN
fsr-3421	366	54	.	.	PUNCT
fsr-3421	367	1	it	it	PRON
fsr-3421	367	2	said	say	VERB
fsr-3421	367	3	that	that	SCONJ
fsr-3421	367	4	primary	primary	ADJ
fsr-3421	367	5	responsibility	responsibility	NOUN
fsr-3421	367	6	for	for	ADP
fsr-3421	367	7	discipline	discipline	NOUN
fsr-3421	367	8	lies	lie	VERB
fsr-3421	367	9	with	with	ADP
fsr-3421	367	10	licensees	licensee	NOUN
fsr-3421	367	11	,	,	PUNCT
fsr-3421	367	12	who	who	PRON
fsr-3421	367	13	are	be	AUX
fsr-3421	367	14	responsible	responsible	ADJ
fsr-3421	367	15	under	under	ADP
fsr-3421	367	16	the	the	DET
fsr-3421	367	17	law	law	NOUN
fsr-3421	367	18	for	for	ADP
fsr-3421	367	19	the	the	DET
fsr-3421	367	20	conduct	conduct	NOUN
fsr-3421	367	21	of	of	ADP
fsr-3421	367	22	their	their	PRON
fsr-3421	367	23	advisers	adviser	NOUN
fsr-3421	367	24	.	.	PUNCT
fsr-3421	368	1	(	(	PUNCT
fsr-3421	368	2	report	report	NOUN
fsr-3421	368	3	1	1	NUM
fsr-3421	368	4	:	:	SYM
fsr-3421	368	5	209	209	NUM
fsr-3421	368	6	)	)	PUNCT
fsr-3421	368	7	report	report	NOUN
fsr-3421	368	8	1	1	NUM
fsr-3421	368	9	also	also	ADV
fsr-3421	368	10	noted	note	VERB
fsr-3421	368	11	that	that	SCONJ
fsr-3421	368	12	licensees	licensee	NOUN
fsr-3421	368	13	were	be	AUX
fsr-3421	368	14	not	not	PART
fsr-3421	368	15	sufficiently	sufficiently	ADV
fsr-3421	368	16	sharing	share	VERB
fsr-3421	368	17	information	information	NOUN
fsr-3421	368	18	about	about	ADP
fsr-3421	368	19	advisors	advisor	NOUN
fsr-3421	368	20	with	with	ADP
fsr-3421	368	21	asic	asic	NOUN
fsr-3421	368	22	.	.	PUNCT
fsr-3421	369	1	some	some	DET
fsr-3421	369	2	research	research	NOUN
fsr-3421	369	3	participants	participant	NOUN
fsr-3421	369	4	also	also	ADV
fsr-3421	369	5	noted	note	VERB
fsr-3421	369	6	issues	issue	NOUN
fsr-3421	369	7	with	with	ADP
fsr-3421	369	8	asic	asic	NOUN
fsr-3421	369	9	sharing	sharing	NOUN
fsr-3421	369	10	information	information	NOUN
fsr-3421	369	11	with	with	ADP
fsr-3421	369	12	them	they	PRON
fsr-3421	369	13	:	:	PUNCT
fsr-3421	369	14	so	so	ADV
fsr-3421	369	15	it	it	PRON
fsr-3421	369	16	’s	’	VERB
fsr-3421	369	17	really	really	ADV
fsr-3421	369	18	frustrating	frustrating	ADJ
fsr-3421	369	19	when	when	SCONJ
fsr-3421	369	20	you	you	PRON
fsr-3421	369	21	deal	deal	VERB
fsr-3421	369	22	with	with	ADP
fsr-3421	369	23	asic	asic	NOUN
fsr-3421	369	24	.	.	PUNCT
fsr-3421	370	1	to	to	PART
fsr-3421	370	2	be	be	AUX
fsr-3421	370	3	honest	honest	ADJ
fsr-3421	370	4	.	.	PUNCT
fsr-3421	371	1	.	.	PUNCT
fsr-3421	372	1	.	.	PUNCT
fsr-3421	373	1	beyond	beyond	ADP
fsr-3421	373	2	.	.	PUNCT
fsr-3421	373	3	.	.	PUNCT
fsr-3421	373	4	.	.	PUNCT
fsr-3421	374	1	lodging	lodge	VERB
fsr-3421	374	2	the	the	DET
fsr-3421	374	3	required	require	VERB
fsr-3421	374	4	forms	form	NOUN
fsr-3421	374	5	i	i	PRON
fsr-3421	374	6	have	have	VERB
fsr-3421	374	7	no	no	DET
fsr-3421	374	8	involvement	involvement	NOUN
fsr-3421	374	9	.	.	PUNCT
fsr-3421	375	1	we	we	PRON
fsr-3421	375	2	’ve	’ve	AUX
fsr-3421	375	3	not	not	PART
fsr-3421	375	4	had	have	VERB
fsr-3421	375	5	an	an	DET
fsr-3421	375	6	asic	asic	NOUN
fsr-3421	375	7	review	review	NOUN
fsr-3421	375	8	done	do	VERB
fsr-3421	375	9	.	.	PUNCT
fsr-3421	376	1	i	i	PRON
fsr-3421	376	2	’d	’d	NOUN
fsr-3421	376	3	welcome	welcome	VERB
fsr-3421	376	4	it	it	PRON
fsr-3421	376	5	because	because	SCONJ
fsr-3421	376	6	.	.	PUNCT
fsr-3421	376	7	.	.	PUNCT
fsr-3421	376	8	.	.	PUNCT
fsr-3421	377	1	you	you	PRON
fsr-3421	377	2	get	get	VERB
fsr-3421	377	3	some	some	DET
fsr-3421	377	4	great	great	ADJ
fsr-3421	377	5	feedback	feedback	NOUN
fsr-3421	377	6	and	and	CCONJ
fsr-3421	377	7	know	know	VERB
fsr-3421	377	8	when	when	SCONJ
fsr-3421	377	9	you	you	PRON
fsr-3421	377	10	’re	’re	VERB
fsr-3421	377	11	on	on	ADP
fsr-3421	377	12	the	the	DET
fsr-3421	377	13	right	right	ADJ
fsr-3421	377	14	path	path	NOUN
fsr-3421	377	15	.	.	PUNCT
fsr-3421	378	1	(	(	PUNCT
fsr-3421	378	2	participant	participant	NOUN
fsr-3421	378	3	4	4	NUM
fsr-3421	378	4	)	)	PUNCT
fsr-3421	378	5	the	the	DET
fsr-3421	378	6	second	second	ADJ
fsr-3421	378	7	control	control	NOUN
fsr-3421	378	8	mechanism	mechanism	NOUN
fsr-3421	378	9	by	by	ADP
fsr-3421	378	10	which	which	PRON
fsr-3421	378	11	the	the	DET
fsr-3421	378	12	government	government	NOUN
fsr-3421	378	13	directly	directly	ADV
fsr-3421	378	14	influences	influence	VERB
fsr-3421	378	15	financial	financial	ADJ
fsr-3421	378	16	advice	advice	NOUN
fsr-3421	378	17	is	be	AUX
fsr-3421	378	18	fasea	fasea	NOUN
fsr-3421	378	19	formed	form	VERB
fsr-3421	378	20	in	in	ADP
fsr-3421	378	21	2017	2017	NUM
fsr-3421	378	22	.	.	PUNCT
fsr-3421	379	1	this	this	DET
fsr-3421	379	2	authority	authority	NOUN
fsr-3421	379	3	comprises	comprise	NOUN
fsr-3421	379	4	of	of	ADP
fsr-3421	379	5	members	member	NOUN
fsr-3421	379	6	from	from	ADP
fsr-3421	379	7	industry	industry	NOUN
fsr-3421	379	8	,	,	PUNCT
fsr-3421	379	9	professional	professional	ADJ
fsr-3421	379	10	bodies	body	NOUN
fsr-3421	379	11	and	and	CCONJ
fsr-3421	379	12	universities	university	NOUN
fsr-3421	379	13	.	.	PUNCT
fsr-3421	380	1	its	its	PRON
fsr-3421	380	2	primary	primary	ADJ
fsr-3421	380	3	role	role	NOUN
fsr-3421	380	4	is	be	AUX
fsr-3421	380	5	to	to	PART
fsr-3421	380	6	implement	implement	VERB
fsr-3421	380	7	changes	change	NOUN
fsr-3421	380	8	to	to	ADP
fsr-3421	380	9	the	the	DET
fsr-3421	380	10	corporations	corporation	NOUN
fsr-3421	380	11	act	act	VERB
fsr-3421	380	12	in	in	ADP
fsr-3421	380	13	2017	2017	NUM
fsr-3421	380	14	which	which	PRON
fsr-3421	380	15	raise	raise	VERB
fsr-3421	380	16	the	the	DET
fsr-3421	380	17	education	education	NOUN
fsr-3421	380	18	,	,	PUNCT
fsr-3421	380	19	training	training	NOUN
fsr-3421	380	20	,	,	PUNCT
fsr-3421	380	21	and	and	CCONJ
fsr-3421	380	22	ethical	ethical	ADJ
fsr-3421	380	23	standards	standard	NOUN
fsr-3421	380	24	of	of	ADP
fsr-3421	380	25	financial	financial	ADJ
fsr-3421	380	26	advisers	adviser	NOUN
fsr-3421	380	27	(	(	PUNCT
fsr-3421	380	28	fasea	fasea	NOUN
fsr-3421	380	29	,	,	PUNCT
fsr-3421	380	30	2018	2018	NUM
fsr-3421	380	31	)	)	PUNCT
fsr-3421	380	32	.	.	PUNCT
fsr-3421	381	1	fasea	fasea	PROPN
fsr-3421	381	2	will	will	AUX
fsr-3421	381	3	govern	govern	VERB
fsr-3421	381	4	via	via	ADP
fsr-3421	381	5	indirect	indirect	ADJ
fsr-3421	381	6	and	and	CCONJ
fsr-3421	381	7	direct	direct	ADJ
fsr-3421	381	8	methods	method	NOUN
fsr-3421	381	9	.	.	PUNCT
fsr-3421	382	1	indirect	indirect	ADJ
fsr-3421	382	2	governance	governance	NOUN
fsr-3421	382	3	occurs	occur	VERB
fsr-3421	382	4	through	through	ADP
fsr-3421	382	5	accreditation	accreditation	NOUN
fsr-3421	382	6	of	of	ADP
fsr-3421	382	7	universities	university	NOUN
fsr-3421	382	8	financial	financial	ADJ
fsr-3421	382	9	advisory	advisory	ADJ
fsr-3421	382	10	degrees	degree	NOUN
fsr-3421	382	11	to	to	PART
fsr-3421	382	12	ensure	ensure	VERB
fsr-3421	382	13	financial	financial	ADJ
fsr-3421	382	14	advisors	advisor	NOUN
fsr-3421	382	15	receive	receive	VERB
fsr-3421	382	16	the	the	DET
fsr-3421	382	17	education	education	NOUN
fsr-3421	382	18	needed	need	VERB
fsr-3421	382	19	to	to	PART
fsr-3421	382	20	improve	improve	VERB
fsr-3421	382	21	the	the	DET
fsr-3421	382	22	professionalism	professionalism	NOUN
fsr-3421	382	23	of	of	ADP
fsr-3421	382	24	the	the	DET
fsr-3421	382	25	financial	financial	ADJ
fsr-3421	382	26	advice	advice	NOUN
fsr-3421	382	27	industry	industry	NOUN
fsr-3421	382	28	.	.	PUNCT
fsr-3421	383	1	direct	direct	ADJ
fsr-3421	383	2	governance	governance	NOUN
fsr-3421	383	3	occurs	occur	VERB
fsr-3421	383	4	through	through	ADP
fsr-3421	383	5	enforcing	enforce	VERB
fsr-3421	383	6	a	a	DET
fsr-3421	383	7	national	national	ADJ
fsr-3421	383	8	exam	exam	NOUN
fsr-3421	383	9	,	,	PUNCT
fsr-3421	383	10	professional	professional	ADJ
fsr-3421	383	11	year	year	NOUN
fsr-3421	383	12	,	,	PUNCT
fsr-3421	383	13	continuous	continuous	ADJ
fsr-3421	383	14	professional	professional	ADJ
fsr-3421	383	15	development	development	NOUN
fsr-3421	383	16	and	and	CCONJ
fsr-3421	383	17	a	a	DET
fsr-3421	383	18	code	code	NOUN
fsr-3421	383	19	of	of	ADP
fsr-3421	383	20	ethics	ethic	NOUN
fsr-3421	383	21	to	to	PART
fsr-3421	383	22	ensure	ensure	VERB
fsr-3421	383	23	the	the	DET
fsr-3421	383	24	competency	competency	NOUN
fsr-3421	383	25	of	of	ADP
fsr-3421	383	26	financial	financial	ADJ
fsr-3421	383	27	advisors	advisor	NOUN
fsr-3421	383	28	.	.	PUNCT
fsr-3421	384	1	thus	thus	ADV
fsr-3421	384	2	,	,	PUNCT
fsr-3421	384	3	the	the	DET
fsr-3421	384	4	government	government	NOUN
fsr-3421	384	5	,	,	PUNCT
fsr-3421	384	6	also	also	ADV
fsr-3421	384	7	can	can	AUX
fsr-3421	384	8	influence	influence	VERB
fsr-3421	384	9	financial	financial	ADJ
fsr-3421	384	10	advice	advice	NOUN
fsr-3421	384	11	through	through	ADP
fsr-3421	384	12	legislation	legislation	NOUN
fsr-3421	384	13	,	,	PUNCT
fsr-3421	384	14	asic	asic	NOUN
fsr-3421	384	15	and	and	CCONJ
fsr-3421	384	16	,	,	PUNCT
fsr-3421	384	17	more	more	ADV
fsr-3421	384	18	recently	recently	ADV
fsr-3421	384	19	,	,	PUNCT
fsr-3421	384	20	fasea	fasea	NOUN
fsr-3421	384	21	.	.	PUNCT
fsr-3421	385	1	despite	despite	SCONJ
fsr-3421	385	2	legislation	legislation	NOUN
fsr-3421	385	3	being	be	AUX
fsr-3421	385	4	passed	pass	VERB
fsr-3421	385	5	,	,	PUNCT
fsr-3421	385	6	a	a	DET
fsr-3421	385	7	prevalence	prevalence	NOUN
fsr-3421	385	8	of	of	ADP
fsr-3421	385	9	misconduct	misconduct	NOUN
fsr-3421	385	10	still	still	ADV
fsr-3421	385	11	occurs	occur	VERB
fsr-3421	385	12	in	in	ADP
fsr-3421	385	13	financial	financial	ADJ
fsr-3421	385	14	services	service	NOUN
fsr-3421	385	15	.	.	PUNCT
fsr-3421	386	1	why	why	SCONJ
fsr-3421	386	2	does	do	AUX
fsr-3421	386	3	misconduct	misconduct	NOUN
fsr-3421	386	4	persist	persist	VERB
fsr-3421	386	5	despite	despite	SCONJ
fsr-3421	386	6	new	new	ADJ
fsr-3421	386	7	legislation	legislation	NOUN
fsr-3421	386	8	?	?	PUNCT
fsr-3421	387	1	we	we	PRON
fsr-3421	387	2	contend	contend	VERB
fsr-3421	387	3	that	that	SCONJ
fsr-3421	387	4	a	a	DET
fsr-3421	387	5	reason	reason	NOUN
fsr-3421	387	6	is	be	AUX
fsr-3421	387	7	that	that	SCONJ
fsr-3421	387	8	the	the	DET
fsr-3421	387	9	relationship	relationship	NOUN
fsr-3421	387	10	between	between	ADP
fsr-3421	387	11	financial	financial	ADJ
fsr-3421	387	12	advisors	advisor	NOUN
fsr-3421	387	13	,	,	PUNCT
fsr-3421	387	14	licensees	licensee	NOUN
fsr-3421	387	15	,	,	PUNCT
fsr-3421	387	16	and	and	CCONJ
fsr-3421	387	17	product	product	NOUN
fsr-3421	387	18	providers	provider	NOUN
fsr-3421	387	19	remains	remain	VERB
fsr-3421	387	20	unchanged	unchanged	ADJ
fsr-3421	387	21	.	.	PUNCT
fsr-3421	388	1	this	this	DET
fsr-3421	388	2	relationship	relationship	NOUN
fsr-3421	388	3	ensures	ensure	VERB
fsr-3421	388	4	that	that	SCONJ
fsr-3421	388	5	efforts	effort	NOUN
fsr-3421	388	6	by	by	ADP
fsr-3421	388	7	asic	asic	NOUN
fsr-3421	388	8	and	and	CCONJ
fsr-3421	388	9	fasea	fasea	NOUN
fsr-3421	388	10	to	to	PART
fsr-3421	388	11	control	control	VERB
fsr-3421	388	12	financial	financial	ADJ
fsr-3421	388	13	advisors	advisor	NOUN
fsr-3421	388	14	come	come	VERB
fsr-3421	388	15	secondary	secondary	ADJ
fsr-3421	388	16	to	to	ADP
fsr-3421	388	17	the	the	DET
fsr-3421	388	18	relationship	relationship	NOUN
fsr-3421	388	19	between	between	ADP
fsr-3421	388	20	a	a	DET
fsr-3421	388	21	licensee	licensee	NOUN
fsr-3421	388	22	and	and	CCONJ
fsr-3421	388	23	financial	financial	ADJ
fsr-3421	388	24	advisor	advisor	NOUN
fsr-3421	388	25	.	.	PUNCT
fsr-3421	389	1	that	that	PRON
fsr-3421	389	2	is	be	AUX
fsr-3421	389	3	,	,	PUNCT
fsr-3421	389	4	even	even	ADV
fsr-3421	389	5	though	though	SCONJ
fsr-3421	389	6	a	a	DET
fsr-3421	389	7	register	register	NOUN
fsr-3421	389	8	,	,	PUNCT
fsr-3421	389	9	a	a	DET
fsr-3421	389	10	degree	degree	NOUN
fsr-3421	389	11	,	,	PUNCT
fsr-3421	389	12	a	a	DET
fsr-3421	389	13	national	national	ADJ
fsr-3421	389	14	exam	exam	NOUN
fsr-3421	389	15	and	and	CCONJ
fsr-3421	389	16	a	a	DET
fsr-3421	389	17	code	code	NOUN
fsr-3421	389	18	of	of	ADP
fsr-3421	389	19	ethics	ethic	NOUN
fsr-3421	389	20	are	be	AUX
fsr-3421	389	21	enforced	enforce	VERB
fsr-3421	389	22	on	on	ADP
fsr-3421	389	23	financial	financial	ADJ
fsr-3421	389	24	advisors	advisor	NOUN
fsr-3421	389	25	,	,	PUNCT
fsr-3421	389	26	their	their	PRON
fsr-3421	389	27	ability	ability	NOUN
fsr-3421	389	28	to	to	PART
fsr-3421	389	29	practice	practice	VERB
fsr-3421	389	30	and	and	CCONJ
fsr-3421	389	31	the	the	DET
fsr-3421	389	32	conditions	condition	NOUN
fsr-3421	389	33	under	under	ADP
fsr-3421	389	34	which	which	PRON
fsr-3421	389	35	they	they	PRON
fsr-3421	389	36	practice	practice	VERB
fsr-3421	389	37	are	be	AUX
fsr-3421	389	38	set	set	VERB
fsr-3421	389	39	by	by	ADP
fsr-3421	389	40	the	the	DET
fsr-3421	389	41	licensee	licensee	NOUN
fsr-3421	389	42	.	.	PUNCT
fsr-3421	390	1	thus	thus	ADV
fsr-3421	390	2	,	,	PUNCT
fsr-3421	390	3	the	the	DET
fsr-3421	390	4	ability	ability	NOUN
fsr-3421	390	5	for	for	SCONJ
fsr-3421	390	6	government	government	NOUN
fsr-3421	390	7	to	to	PART
fsr-3421	390	8	create	create	VERB
fsr-3421	390	9	best	good	ADJ
fsr-3421	390	10	interest	interest	NOUN
fsr-3421	390	11	practice	practice	NOUN
fsr-3421	390	12	in	in	ADP
fsr-3421	390	13	financial	financial	ADJ
fsr-3421	390	14	advice	advice	NOUN
fsr-3421	390	15	will	will	AUX
fsr-3421	390	16	be	be	AUX
fsr-3421	390	17	thwarted	thwart	VERB
fsr-3421	390	18	until	until	SCONJ
fsr-3421	390	19	the	the	DET
fsr-3421	390	20	mechanism	mechanism	NOUN
fsr-3421	390	21	is	be	AUX
fsr-3421	390	22	stopped	stop	VERB
fsr-3421	390	23	.	.	PUNCT
fsr-3421	391	1	to	to	PART
fsr-3421	391	2	articulate	articulate	VERB
fsr-3421	391	3	the	the	DET
fsr-3421	391	4	interaction	interaction	NOUN
fsr-3421	391	5	between	between	ADP
fsr-3421	391	6	the	the	DET
fsr-3421	391	7	nature	nature	NOUN
fsr-3421	391	8	of	of	ADP
fsr-3421	391	9	advice	advice	NOUN
fsr-3421	391	10	provided	provide	VERB
fsr-3421	391	11	and	and	CCONJ
fsr-3421	391	12	the	the	DET
fsr-3421	391	13	environmental	environmental	ADJ
fsr-3421	391	14	considerations	consideration	NOUN
fsr-3421	391	15	,	,	PUNCT
fsr-3421	391	16	this	this	DET
fsr-3421	391	17	article	article	NOUN
fsr-3421	391	18	now	now	ADV
fsr-3421	391	19	extends	extend	VERB
fsr-3421	391	20	the	the	DET
fsr-3421	391	21	broad	broad	ADJ
fsr-3421	391	22	applicability	applicability	NOUN
fsr-3421	391	23	of	of	ADP
fsr-3421	391	24	the	the	DET
fsr-3421	391	25	general	general	ADJ
fsr-3421	391	26	model	model	NOUN
fsr-3421	391	27	of	of	ADP
fsr-3421	391	28	best	good	ADJ
fsr-3421	391	29	interest	interest	NOUN
fsr-3421	391	30	in	in	ADP
fsr-3421	391	31	financial	financial	ADJ
fsr-3421	391	32	advice	advice	NOUN
fsr-3421	391	33	to	to	ADP
fsr-3421	391	34	the	the	DET
fsr-3421	391	35	specific	specific	ADJ
fsr-3421	391	36	context	context	NOUN
fsr-3421	391	37	of	of	ADP
fsr-3421	391	38	australia	australia	PROPN
fsr-3421	391	39	,	,	PUNCT
fsr-3421	391	40	conceptualizing	conceptualize	VERB
fsr-3421	391	41	the	the	DET
fsr-3421	391	42	environmental	environmental	ADJ
fsr-3421	391	43	factors	factor	NOUN
fsr-3421	391	44	that	that	PRON
fsr-3421	391	45	enable	enable	VERB
fsr-3421	391	46	(	(	PUNCT
fsr-3421	391	47	inhibit	inhibit	NOUN
fsr-3421	391	48	)	)	PUNCT
fsr-3421	391	49	client	client	NOUN
fsr-3421	391	50	’s	’s	PART
fsr-3421	391	51	best	good	ADJ
fsr-3421	391	52	interest	interest	NOUN
fsr-3421	391	53	practice	practice	NOUN
fsr-3421	391	54	in	in	ADP
fsr-3421	391	55	financial	financial	ADJ
fsr-3421	391	56	advice	advice	NOUN
fsr-3421	391	57	.	.	PUNCT
fsr-3421	392	1	5	5	X
fsr-3421	392	2	.	.	X
fsr-3421	392	3	discussion	discussion	NOUN
fsr-3421	392	4	5.1	5.1	NUM
fsr-3421	392	5	.	.	PUNCT
fsr-3421	393	1	an	an	DET
fsr-3421	393	2	integrated	integrate	VERB
fsr-3421	393	3	framework	framework	NOUN
fsr-3421	393	4	the	the	DET
fsr-3421	393	5	findings	finding	NOUN
fsr-3421	393	6	of	of	ADP
fsr-3421	393	7	this	this	DET
fsr-3421	393	8	research	research	NOUN
fsr-3421	393	9	are	be	AUX
fsr-3421	393	10	used	use	VERB
fsr-3421	393	11	to	to	PART
fsr-3421	393	12	create	create	VERB
fsr-3421	393	13	a	a	DET
fsr-3421	393	14	general	general	ADJ
fsr-3421	393	15	model	model	NOUN
fsr-3421	393	16	of	of	ADP
fsr-3421	393	17	providing	provide	VERB
fsr-3421	393	18	financial	financial	ADJ
fsr-3421	393	19	advice	advice	NOUN
fsr-3421	393	20	in	in	ADP
fsr-3421	393	21	a	a	DET
fsr-3421	393	22	client	client	NOUN
fsr-3421	393	23	’s	’s	PART
fsr-3421	393	24	best	good	ADJ
fsr-3421	393	25	interests	interest	NOUN
fsr-3421	393	26	using	use	VERB
fsr-3421	393	27	two	two	NUM
fsr-3421	393	28	continuums	continuum	NOUN
fsr-3421	393	29	:	:	PUNCT
fsr-3421	393	30	orientation	orientation	NOUN
fsr-3421	393	31	and	and	CCONJ
fsr-3421	393	32	alignment	alignment	NOUN
fsr-3421	393	33	.	.	PUNCT
fsr-3421	394	1	this	this	DET
fsr-3421	394	2	150	150	NUM
fsr-3421	394	3	d.	d.	PROPN
fsr-3421	394	4	w.	w.	PROPN
fsr-3421	394	5	richards	richards	PROPN
fsr-3421	394	6	,	,	PUNCT
fsr-3421	394	7	e.	e.	PROPN
fsr-3421	394	8	f.	f.	PROPN
fsr-3421	394	9	morton	morton	PROPN
fsr-3421	394	10	/	/	SYM
fsr-3421	394	11	financial	financial	ADJ
fsr-3421	394	12	services	service	NOUN
fsr-3421	394	13	review	review	VERB
fsr-3421	394	14	28	28	NUM
fsr-3421	394	15	(	(	PUNCT
fsr-3421	394	16	2020	2020	NUM
fsr-3421	394	17	)	)	PUNCT
fsr-3421	394	18	133–158	133–158	NUM
fsr-3421	394	19	model	model	NOUN
fsr-3421	394	20	shows	show	VERB
fsr-3421	394	21	that	that	SCONJ
fsr-3421	394	22	the	the	DET
fsr-3421	394	23	conditions	condition	NOUN
fsr-3421	394	24	under	under	ADP
fsr-3421	394	25	which	which	PRON
fsr-3421	394	26	financial	financial	ADJ
fsr-3421	394	27	advice	advice	NOUN
fsr-3421	394	28	is	be	AUX
fsr-3421	394	29	most	most	ADV
fsr-3421	394	30	likely	likely	ADJ
fsr-3421	394	31	to	to	PART
fsr-3421	394	32	prioritize	prioritize	VERB
fsr-3421	394	33	a	a	DET
fsr-3421	394	34	client	client	NOUN
fsr-3421	394	35	’s	’s	PART
fsr-3421	394	36	best	good	ADJ
fsr-3421	394	37	interest	interest	NOUN
fsr-3421	394	38	practice	practice	NOUN
fsr-3421	394	39	—	—	PUNCT
fsr-3421	394	40	and	and	CCONJ
fsr-3421	394	41	,	,	PUNCT
fsr-3421	394	42	therefore	therefore	ADV
fsr-3421	394	43	,	,	PUNCT
fsr-3421	394	44	more	more	ADV
fsr-3421	394	45	likely	likely	ADJ
fsr-3421	394	46	to	to	PART
fsr-3421	394	47	be	be	AUX
fsr-3421	394	48	effective	effective	ADJ
fsr-3421	394	49	and	and	CCONJ
fsr-3421	394	50	beneficial	beneficial	ADJ
fsr-3421	394	51	to	to	ADP
fsr-3421	394	52	investors	investor	NOUN
fsr-3421	394	53	—	—	PUNCT
fsr-3421	394	54	is	be	AUX
fsr-3421	394	55	when	when	SCONJ
fsr-3421	394	56	orientation	orientation	NOUN
fsr-3421	394	57	is	be	AUX
fsr-3421	394	58	client	client	NOUN
fsr-3421	394	59	centered	center	VERB
fsr-3421	394	60	and	and	CCONJ
fsr-3421	394	61	alignment	alignment	NOUN
fsr-3421	394	62	is	be	AUX
fsr-3421	394	63	independent	independent	ADJ
fsr-3421	394	64	from	from	ADP
fsr-3421	394	65	product	product	NOUN
fsr-3421	394	66	providers	provider	NOUN
fsr-3421	394	67	.	.	PUNCT
fsr-3421	395	1	when	when	SCONJ
fsr-3421	395	2	these	these	DET
fsr-3421	395	3	dimensions	dimension	NOUN
fsr-3421	395	4	are	be	AUX
fsr-3421	395	5	aligned	align	VERB
fsr-3421	395	6	,	,	PUNCT
fsr-3421	395	7	they	they	PRON
fsr-3421	395	8	are	be	AUX
fsr-3421	395	9	labelled	label	VERB
fsr-3421	395	10	as	as	ADP
fsr-3421	395	11	best	good	ADJ
fsr-3421	395	12	interest	interest	NOUN
fsr-3421	395	13	advisors	advisor	NOUN
fsr-3421	395	14	(	(	PUNCT
fsr-3421	395	15	bias	bias	NOUN
fsr-3421	395	16	)	)	PUNCT
fsr-3421	395	17	in	in	ADP
fsr-3421	395	18	fig	fig	NOUN
fsr-3421	395	19	.	.	PUNCT
fsr-3421	396	1	1	1	X
fsr-3421	396	2	.	.	X
fsr-3421	396	3	this	this	DET
fsr-3421	396	4	model	model	NOUN
fsr-3421	396	5	offers	offer	VERB
fsr-3421	396	6	theoretical	theoretical	ADJ
fsr-3421	396	7	clarity	clarity	NOUN
fsr-3421	396	8	to	to	ADP
fsr-3421	396	9	financial	financial	ADJ
fsr-3421	396	10	advice	advice	NOUN
fsr-3421	396	11	and	and	CCONJ
fsr-3421	396	12	policy	policy	NOUN
fsr-3421	396	13	implications	implication	NOUN
fsr-3421	396	14	on	on	ADP
fsr-3421	396	15	who	who	PRON
fsr-3421	396	16	should	should	AUX
fsr-3421	396	17	be	be	AUX
fsr-3421	396	18	held	hold	VERB
fsr-3421	396	19	to	to	ADP
fsr-3421	396	20	a	a	DET
fsr-3421	396	21	client	client	NOUN
fsr-3421	396	22	’s	’s	PART
fsr-3421	396	23	best	good	ADJ
fsr-3421	396	24	interest	interest	NOUN
fsr-3421	396	25	obligation	obligation	NOUN
fsr-3421	396	26	.	.	PUNCT
fsr-3421	397	1	a	a	DET
fsr-3421	397	2	second	second	ADJ
fsr-3421	397	3	finding	finding	NOUN
fsr-3421	397	4	is	be	AUX
fsr-3421	397	5	that	that	SCONJ
fsr-3421	397	6	an	an	DET
fsr-3421	397	7	understanding	understanding	NOUN
fsr-3421	397	8	of	of	ADP
fsr-3421	397	9	the	the	DET
fsr-3421	397	10	business	business	NOUN
fsr-3421	397	11	model	model	NOUN
fsr-3421	397	12	is	be	AUX
fsr-3421	397	13	required	require	VERB
fsr-3421	397	14	in	in	ADP
fsr-3421	397	15	order	order	NOUN
fsr-3421	397	16	to	to	PART
fsr-3421	397	17	determine	determine	VERB
fsr-3421	397	18	the	the	DET
fsr-3421	397	19	ability	ability	NOUN
fsr-3421	397	20	of	of	ADP
fsr-3421	397	21	a	a	DET
fsr-3421	397	22	financial	financial	ADJ
fsr-3421	397	23	advisor	advisor	NOUN
fsr-3421	397	24	to	to	PART
fsr-3421	397	25	align	align	VERB
fsr-3421	397	26	with	with	ADP
fsr-3421	397	27	the	the	DET
fsr-3421	397	28	bia	bia	PROPN
fsr-3421	397	29	classification	classification	NOUN
fsr-3421	397	30	.	.	PUNCT
fsr-3421	398	1	as	as	SCONJ
fsr-3421	398	2	described	describe	VERB
fsr-3421	398	3	,	,	PUNCT
fsr-3421	398	4	financial	financial	ADJ
fsr-3421	398	5	advice	advice	NOUN
fsr-3421	398	6	in	in	ADP
fsr-3421	398	7	australia	australia	PROPN
fsr-3421	398	8	can	can	AUX
fsr-3421	398	9	occur	occur	VERB
fsr-3421	398	10	via	via	ADP
fsr-3421	398	11	three	three	NUM
fsr-3421	398	12	different	different	ADJ
fsr-3421	398	13	business	business	NOUN
fsr-3421	398	14	models	model	NOUN
fsr-3421	398	15	due	due	ADP
fsr-3421	398	16	to	to	ADP
fsr-3421	398	17	the	the	DET
fsr-3421	398	18	licensing	licensing	NOUN
fsr-3421	398	19	structure	structure	NOUN
fsr-3421	398	20	legislated	legislate	VERB
fsr-3421	398	21	and	and	CCONJ
fsr-3421	398	22	are	be	AUX
fsr-3421	398	23	outlined	outline	VERB
fsr-3421	398	24	in	in	ADP
fsr-3421	398	25	fig	fig	NOUN
fsr-3421	398	26	.	.	PUNCT
fsr-3421	399	1	2	2	NUM
fsr-3421	399	2	:	:	SYM
fsr-3421	399	3	•	•	NUM
fsr-3421	399	4	model	model	NOUN
fsr-3421	399	5	1	1	NUM
fsr-3421	399	6	depicts	depict	VERB
fsr-3421	399	7	financial	financial	ADJ
fsr-3421	399	8	advisors	advisor	NOUN
fsr-3421	399	9	as	as	ADP
fsr-3421	399	10	being	be	AUX
fsr-3421	399	11	closely	closely	ADV
fsr-3421	399	12	aligned	align	VERB
fsr-3421	399	13	with	with	ADP
fsr-3421	399	14	product	product	NOUN
fsr-3421	399	15	providers	provider	NOUN
fsr-3421	399	16	because	because	SCONJ
fsr-3421	399	17	the	the	DET
fsr-3421	399	18	licensee	licensee	NOUN
fsr-3421	399	19	,	,	PUNCT
fsr-3421	399	20	product	product	NOUN
fsr-3421	399	21	provider	provider	NOUN
fsr-3421	399	22	and	and	CCONJ
fsr-3421	399	23	financial	financial	ADJ
fsr-3421	399	24	advisor	advisor	NOUN
fsr-3421	399	25	all	all	PRON
fsr-3421	399	26	work	work	VERB
fsr-3421	399	27	for	for	ADP
fsr-3421	399	28	the	the	DET
fsr-3421	399	29	same	same	ADJ
fsr-3421	399	30	company	company	NOUN
fsr-3421	399	31	.	.	PUNCT
fsr-3421	400	1	as	as	ADP
fsr-3421	400	2	such	such	ADJ
fsr-3421	400	3	,	,	PUNCT
fsr-3421	400	4	this	this	DET
fsr-3421	400	5	model	model	NOUN
fsr-3421	400	6	reduces	reduce	VERB
fsr-3421	400	7	the	the	DET
fsr-3421	400	8	capability	capability	NOUN
fsr-3421	400	9	to	to	PART
fsr-3421	400	10	prioritize	prioritize	VERB
fsr-3421	400	11	a	a	DET
fsr-3421	400	12	client	client	NOUN
fsr-3421	400	13	’s	’s	PART
fsr-3421	400	14	best	good	ADJ
fsr-3421	400	15	interest	interest	NOUN
fsr-3421	400	16	.	.	PUNCT
fsr-3421	401	1	•	•	NUM
fsr-3421	401	2	model	model	NOUN
fsr-3421	401	3	2	2	NUM
fsr-3421	401	4	depicts	depict	VERB
fsr-3421	401	5	all	all	DET
fsr-3421	401	6	parties	party	NOUN
fsr-3421	401	7	as	as	ADV
fsr-3421	401	8	independent	independent	ADJ
fsr-3421	401	9	and	and	CCONJ
fsr-3421	401	10	enables	enable	VERB
fsr-3421	401	11	financial	financial	ADJ
fsr-3421	401	12	advisors	advisor	NOUN
fsr-3421	401	13	to	to	PART
fsr-3421	401	14	have	have	VERB
fsr-3421	401	15	independence	independence	NOUN
fsr-3421	401	16	from	from	ADP
fsr-3421	401	17	product	product	NOUN
fsr-3421	401	18	providers	provider	NOUN
fsr-3421	401	19	,	,	PUNCT
fsr-3421	401	20	but	but	CCONJ
fsr-3421	401	21	the	the	DET
fsr-3421	401	22	extent	extent	NOUN
fsr-3421	401	23	to	to	PART
fsr-3421	401	24	which	which	PRON
fsr-3421	401	25	this	this	PRON
fsr-3421	401	26	happens	happen	VERB
fsr-3421	401	27	is	be	AUX
fsr-3421	401	28	dependent	dependent	ADJ
fsr-3421	401	29	on	on	ADP
fsr-3421	401	30	how	how	SCONJ
fsr-3421	401	31	the	the	DET
fsr-3421	401	32	licensee	licensee	NOUN
fsr-3421	401	33	operates	operate	VERB
fsr-3421	401	34	.	.	PUNCT
fsr-3421	402	1	in	in	ADP
fsr-3421	402	2	one	one	NUM
fsr-3421	402	3	extreme	extreme	NOUN
fsr-3421	402	4	the	the	DET
fsr-3421	402	5	licensee	licensee	NOUN
fsr-3421	402	6	could	could	AUX
fsr-3421	402	7	be	be	AUX
fsr-3421	402	8	a	a	DET
fsr-3421	402	9	subsidiary	subsidiary	NOUN
fsr-3421	402	10	of	of	ADP
fsr-3421	402	11	the	the	DET
fsr-3421	402	12	product	product	NOUN
fsr-3421	402	13	provider	provider	NOUN
fsr-3421	402	14	offering	offer	VERB
fsr-3421	402	15	no	no	DET
fsr-3421	402	16	independence	independence	NOUN
fsr-3421	402	17	for	for	ADP
fsr-3421	402	18	financial	financial	ADJ
fsr-3421	402	19	advisors	advisor	NOUN
fsr-3421	402	20	and	and	CCONJ
fsr-3421	402	21	in	in	ADP
fsr-3421	402	22	the	the	DET
fsr-3421	402	23	other	other	ADJ
fsr-3421	402	24	extreme	extreme	NOUN
fsr-3421	402	25	the	the	DET
fsr-3421	402	26	licensee	licensee	NOUN
fsr-3421	402	27	could	could	AUX
fsr-3421	402	28	be	be	AUX
fsr-3421	402	29	entirely	entirely	ADV
fsr-3421	402	30	independent	independent	ADJ
fsr-3421	402	31	of	of	ADP
fsr-3421	402	32	product	product	NOUN
fsr-3421	402	33	providers	provider	NOUN
fsr-3421	402	34	.	.	PUNCT
fsr-3421	403	1	importantly	importantly	ADV
fsr-3421	403	2	,	,	PUNCT
fsr-3421	403	3	this	this	DET
fsr-3421	403	4	relationship	relationship	NOUN
fsr-3421	403	5	is	be	AUX
fsr-3421	403	6	difficult	difficult	ADJ
fsr-3421	403	7	for	for	SCONJ
fsr-3421	403	8	a	a	DET
fsr-3421	403	9	client	client	NOUN
fsr-3421	403	10	to	to	PART
fsr-3421	403	11	understand	understand	VERB
fsr-3421	403	12	,	,	PUNCT
fsr-3421	403	13	even	even	ADV
fsr-3421	403	14	if	if	SCONJ
fsr-3421	403	15	disclosed	disclose	VERB
fsr-3421	403	16	to	to	ADP
fsr-3421	403	17	them	they	PRON
fsr-3421	403	18	.	.	PUNCT
fsr-3421	404	1	•	•	NUM
fsr-3421	404	2	model	model	NOUN
fsr-3421	404	3	3	3	NUM
fsr-3421	404	4	depicts	depict	VERB
fsr-3421	404	5	a	a	DET
fsr-3421	404	6	business	business	NOUN
fsr-3421	404	7	model	model	NOUN
fsr-3421	404	8	where	where	SCONJ
fsr-3421	404	9	a	a	DET
fsr-3421	404	10	financial	financial	ADJ
fsr-3421	404	11	advisor	advisor	NOUN
fsr-3421	404	12	or	or	CCONJ
fsr-3421	404	13	his	his	PRON
fsr-3421	404	14	/	/	SYM
fsr-3421	404	15	her	her	PRON
fsr-3421	404	16	company	company	NOUN
fsr-3421	404	17	,	,	PUNCT
fsr-3421	404	18	obtains	obtain	VERB
fsr-3421	404	19	its	its	PRON
fsr-3421	404	20	own	own	ADJ
fsr-3421	404	21	license	license	NOUN
fsr-3421	404	22	and	and	CCONJ
fsr-3421	404	23	forms	form	VERB
fsr-3421	404	24	relationships	relationship	NOUN
fsr-3421	404	25	with	with	ADP
fsr-3421	404	26	one	one	NUM
fsr-3421	404	27	or	or	CCONJ
fsr-3421	404	28	more	more	ADJ
fsr-3421	404	29	financial	financial	ADJ
fsr-3421	404	30	product	product	NOUN
fsr-3421	404	31	providers	provider	NOUN
fsr-3421	404	32	.	.	PUNCT
fsr-3421	405	1	this	this	DET
fsr-3421	405	2	last	last	ADJ
fsr-3421	405	3	business	business	NOUN
fsr-3421	405	4	model	model	NOUN
fsr-3421	405	5	offers	offer	VERB
fsr-3421	405	6	the	the	DET
fsr-3421	405	7	most	most	ADJ
fsr-3421	405	8	opportunity	opportunity	NOUN
fsr-3421	405	9	for	for	ADP
fsr-3421	405	10	prioritizing	prioritize	VERB
fsr-3421	405	11	a	a	DET
fsr-3421	405	12	client	client	NOUN
fsr-3421	405	13	’s	’s	PART
fsr-3421	405	14	best	good	ADJ
fsr-3421	405	15	interest	interest	NOUN
fsr-3421	405	16	,	,	PUNCT
fsr-3421	405	17	as	as	ADP
fsr-3421	405	18	obtaining	obtain	VERB
fsr-3421	405	19	an	an	DET
fsr-3421	405	20	individual	individual	ADJ
fsr-3421	405	21	license	license	NOUN
fsr-3421	405	22	removes	remove	VERB
fsr-3421	405	23	alignment	alignment	NOUN
fsr-3421	405	24	of	of	ADP
fsr-3421	405	25	a	a	DET
fsr-3421	405	26	financial	financial	ADJ
fsr-3421	405	27	advisor	advisor	NOUN
fsr-3421	405	28	from	from	ADP
fsr-3421	405	29	a	a	DET
fsr-3421	405	30	product	product	NOUN
fsr-3421	405	31	provider	provider	NOUN
fsr-3421	405	32	.	.	PUNCT
fsr-3421	406	1	however	however	ADV
fsr-3421	406	2	,	,	PUNCT
fsr-3421	406	3	this	this	DET
fsr-3421	406	4	business	business	NOUN
fsr-3421	406	5	model	model	NOUN
fsr-3421	406	6	remains	remain	VERB
fsr-3421	406	7	the	the	DET
fsr-3421	406	8	rarest	rare	ADJ
fsr-3421	406	9	form	form	NOUN
fsr-3421	406	10	of	of	ADP
fsr-3421	406	11	business	business	NOUN
fsr-3421	406	12	model	model	NOUN
fsr-3421	406	13	.	.	PUNCT
fsr-3421	407	1	whilst	whilst	SCONJ
fsr-3421	407	2	most	most	ADJ
fsr-3421	407	3	of	of	ADP
fsr-3421	407	4	the	the	DET
fsr-3421	407	5	business	business	NOUN
fsr-3421	407	6	models	model	NOUN
fsr-3421	407	7	(	(	PUNCT
fsr-3421	407	8	apart	apart	ADV
fsr-3421	407	9	from	from	ADP
fsr-3421	407	10	model	model	NOUN
fsr-3421	407	11	3	3	NUM
fsr-3421	407	12	)	)	PUNCT
fsr-3421	407	13	reduce	reduce	VERB
fsr-3421	407	14	the	the	DET
fsr-3421	407	15	ability	ability	NOUN
fsr-3421	407	16	of	of	ADP
fsr-3421	407	17	financial	financial	ADJ
fsr-3421	407	18	advisors	advisor	NOUN
fsr-3421	407	19	to	to	PART
fsr-3421	407	20	achieve	achieve	VERB
fsr-3421	407	21	best	good	ADJ
fsr-3421	407	22	interest	interest	NOUN
fsr-3421	407	23	practice	practice	NOUN
fsr-3421	407	24	in	in	ADP
fsr-3421	407	25	financial	financial	ADJ
fsr-3421	407	26	advice	advice	NOUN
fsr-3421	407	27	,	,	PUNCT
fsr-3421	407	28	external	external	ADJ
fsr-3421	407	29	stakeholders	stakeholder	NOUN
fsr-3421	407	30	aim	aim	VERB
fsr-3421	407	31	to	to	PART
fsr-3421	407	32	encourage	encourage	VERB
fsr-3421	407	33	client	client	NOUN
fsr-3421	407	34	’s	’s	PART
fsr-3421	407	35	best	good	ADJ
fsr-3421	407	36	interest	interest	NOUN
fsr-3421	407	37	practice	practice	NOUN
fsr-3421	407	38	by	by	ADP
fsr-3421	407	39	financial	financial	ADJ
fsr-3421	407	40	advisors	advisor	NOUN
fsr-3421	407	41	:	:	PUNCT
fsr-3421	407	42	fig	fig	NOUN
fsr-3421	407	43	.	.	PUNCT
fsr-3421	408	1	3	3	X
fsr-3421	408	2	.	.	PUNCT
fsr-3421	408	3	however	however	ADV
fsr-3421	408	4	,	,	PUNCT
fsr-3421	408	5	despite	despite	SCONJ
fsr-3421	408	6	these	these	DET
fsr-3421	408	7	influences	influence	NOUN
fsr-3421	408	8	,	,	PUNCT
fsr-3421	408	9	the	the	DET
fsr-3421	408	10	same	same	ADJ
fsr-3421	408	11	business	business	NOUN
fsr-3421	408	12	models	model	NOUN
fsr-3421	408	13	inhibit	inhibit	VERB
fsr-3421	408	14	their	their	PRON
fsr-3421	408	15	influences	influence	NOUN
fsr-3421	408	16	.	.	PUNCT
fsr-3421	409	1	these	these	DET
fsr-3421	409	2	business	business	NOUN
fsr-3421	409	3	models	model	NOUN
fsr-3421	409	4	often	often	ADV
fsr-3421	409	5	enable	enable	VERB
fsr-3421	409	6	licensees	licensee	NOUN
fsr-3421	409	7	to	to	PART
fsr-3421	409	8	have	have	VERB
fsr-3421	409	9	primary	primary	ADJ
fsr-3421	409	10	power	power	NOUN
fsr-3421	409	11	over	over	ADP
fsr-3421	409	12	financial	financial	ADJ
fsr-3421	409	13	advisors	advisor	NOUN
fsr-3421	409	14	,	,	PUNCT
fsr-3421	409	15	creating	create	VERB
fsr-3421	409	16	a	a	DET
fsr-3421	409	17	barrier	barrier	NOUN
fsr-3421	409	18	for	for	ADP
fsr-3421	409	19	stakeholder	stakeholder	NOUN
fsr-3421	409	20	efforts	effort	NOUN
fsr-3421	409	21	to	to	PART
fsr-3421	409	22	have	have	AUX
fsr-3421	409	23	an	an	DET
fsr-3421	409	24	effect	effect	NOUN
fsr-3421	409	25	.	.	PUNCT
fsr-3421	410	1	any	any	DET
fsr-3421	410	2	aims	aim	NOUN
fsr-3421	410	3	become	become	VERB
fsr-3421	410	4	secondary	secondary	ADJ
fsr-3421	410	5	to	to	ADP
fsr-3421	410	6	the	the	DET
fsr-3421	410	7	business	business	NOUN
fsr-3421	410	8	model	model	NOUN
fsr-3421	410	9	and	and	CCONJ
fsr-3421	410	10	,	,	PUNCT
fsr-3421	410	11	therefore	therefore	ADV
fsr-3421	410	12	,	,	PUNCT
fsr-3421	410	13	any	any	DET
fsr-3421	410	14	initiatives	initiative	NOUN
fsr-3421	410	15	lead	lead	VERB
fsr-3421	410	16	to	to	ADP
fsr-3421	410	17	a	a	DET
fsr-3421	410	18	perceived	perceive	VERB
fsr-3421	410	19	client	client	NOUN
fsr-3421	410	20	’s	’s	PART
fsr-3421	410	21	best	good	ADJ
fsr-3421	410	22	interest	interest	NOUN
fsr-3421	410	23	practice	practice	NOUN
fsr-3421	410	24	or	or	CCONJ
fsr-3421	410	25	inherent	inherent	ADJ
fsr-3421	410	26	trust	trust	NOUN
fsr-3421	410	27	that	that	PRON
fsr-3421	410	28	are	be	AUX
fsr-3421	410	29	not	not	PART
fsr-3421	410	30	conceptually	conceptually	ADV
fsr-3421	410	31	aligned	align	VERB
fsr-3421	410	32	with	with	ADP
fsr-3421	410	33	bias	bias	NOUN
fsr-3421	410	34	,	,	PUNCT
fsr-3421	410	35	and	and	CCONJ
fsr-3421	410	36	as	as	ADP
fsr-3421	410	37	such	such	ADJ
fsr-3421	410	38	do	do	AUX
fsr-3421	410	39	not	not	PART
fsr-3421	410	40	necessarily	necessarily	ADV
fsr-3421	410	41	result	result	VERB
fsr-3421	410	42	in	in	ADP
fsr-3421	410	43	effective	effective	ADJ
fsr-3421	410	44	financial	financial	ADJ
fsr-3421	410	45	advice	advice	NOUN
fsr-3421	410	46	to	to	ADP
fsr-3421	410	47	investors	investor	NOUN
fsr-3421	410	48	.	.	PUNCT
fsr-3421	411	1	layering	layer	VERB
fsr-3421	411	2	these	these	DET
fsr-3421	411	3	organizational	organizational	ADJ
fsr-3421	411	4	and	and	CCONJ
fsr-3421	411	5	regulatory	regulatory	ADJ
fsr-3421	411	6	factors	factor	NOUN
fsr-3421	411	7	to	to	PART
fsr-3421	411	8	create	create	VERB
fsr-3421	411	9	an	an	DET
fsr-3421	411	10	integrated	integrate	VERB
fsr-3421	411	11	framework	framework	NOUN
fsr-3421	411	12	,	,	PUNCT
fsr-3421	411	13	enables	enable	VERB
fsr-3421	411	14	the	the	DET
fsr-3421	411	15	broad	broad	ADJ
fsr-3421	411	16	applicability	applicability	NOUN
fsr-3421	411	17	of	of	ADP
fsr-3421	411	18	the	the	DET
fsr-3421	411	19	general	general	ADJ
fsr-3421	411	20	model	model	NOUN
fsr-3421	411	21	of	of	ADP
fsr-3421	411	22	best	good	ADJ
fsr-3421	411	23	interest	interest	NOUN
fsr-3421	411	24	in	in	ADP
fsr-3421	411	25	financial	financial	ADJ
fsr-3421	411	26	advice	advice	NOUN
fsr-3421	411	27	to	to	PART
fsr-3421	411	28	be	be	AUX
fsr-3421	411	29	extended	extend	VERB
fsr-3421	411	30	to	to	PART
fsr-3421	411	31	consider	consider	VERB
fsr-3421	411	32	factors	factor	NOUN
fsr-3421	411	33	that	that	PRON
fsr-3421	411	34	are	be	AUX
fsr-3421	411	35	enabling	enable	VERB
fsr-3421	411	36	(	(	PUNCT
fsr-3421	411	37	inhibiting	inhibit	VERB
fsr-3421	411	38	)	)	PUNCT
fsr-3421	411	39	in	in	ADP
fsr-3421	411	40	achieving	achieve	VERB
fsr-3421	411	41	clients	client	NOUN
fsr-3421	411	42	best	good	ADJ
fsr-3421	411	43	interest	interest	NOUN
fsr-3421	411	44	practice	practice	NOUN
fsr-3421	411	45	(	(	PUNCT
fsr-3421	411	46	fig	fig	NOUN
fsr-3421	411	47	.	.	PUNCT
fsr-3421	411	48	4	4	NUM
fsr-3421	411	49	)	)	PUNCT
fsr-3421	411	50	.	.	PUNCT
fsr-3421	412	1	inherent	inherent	ADJ
fsr-3421	412	2	within	within	ADP
fsr-3421	412	3	the	the	DET
fsr-3421	412	4	financial	financial	ADJ
fsr-3421	412	5	advice	advice	NOUN
fsr-3421	412	6	context	context	NOUN
fsr-3421	412	7	is	be	AUX
fsr-3421	412	8	a	a	DET
fsr-3421	412	9	narrowing	narrowing	NOUN
fsr-3421	412	10	of	of	ADP
fsr-3421	412	11	opportunity	opportunity	NOUN
fsr-3421	412	12	for	for	SCONJ
fsr-3421	412	13	client	client	NOUN
fsr-3421	412	14	’s	’s	PART
fsr-3421	412	15	best	good	ADJ
fsr-3421	412	16	interest	interest	NOUN
fsr-3421	412	17	practice	practice	NOUN
fsr-3421	412	18	to	to	PART
fsr-3421	412	19	be	be	AUX
fsr-3421	412	20	achieved	achieve	VERB
fsr-3421	412	21	because	because	SCONJ
fsr-3421	412	22	of	of	ADP
fsr-3421	412	23	the	the	DET
fsr-3421	412	24	business	business	NOUN
fsr-3421	412	25	models	model	NOUN
fsr-3421	412	26	in	in	ADP
fsr-3421	412	27	operation	operation	NOUN
fsr-3421	412	28	.	.	PUNCT
fsr-3421	413	1	6	6	X
fsr-3421	413	2	.	.	X
fsr-3421	413	3	conclusion	conclusion	NOUN
fsr-3421	413	4	best	good	ADJ
fsr-3421	413	5	interest	interest	NOUN
fsr-3421	413	6	practice	practice	NOUN
fsr-3421	413	7	is	be	AUX
fsr-3421	413	8	of	of	ADP
fsr-3421	413	9	manifest	manifest	ADJ
fsr-3421	413	10	importance	importance	NOUN
fsr-3421	413	11	in	in	ADP
fsr-3421	413	12	financial	financial	ADJ
fsr-3421	413	13	advice	advice	NOUN
fsr-3421	413	14	,	,	PUNCT
fsr-3421	413	15	particularly	particularly	ADV
fsr-3421	413	16	as	as	SCONJ
fsr-3421	413	17	personal	personal	ADJ
fsr-3421	413	18	financial	financial	ADJ
fsr-3421	413	19	stability	stability	NOUN
fsr-3421	413	20	is	be	AUX
fsr-3421	413	21	increasingly	increasingly	ADV
fsr-3421	413	22	the	the	DET
fsr-3421	413	23	responsibility	responsibility	NOUN
fsr-3421	413	24	of	of	ADP
fsr-3421	413	25	the	the	DET
fsr-3421	413	26	individual	individual	NOUN
fsr-3421	413	27	rather	rather	ADV
fsr-3421	413	28	d.	d.	PROPN
fsr-3421	413	29	w.	w.	PROPN
fsr-3421	413	30	richards	richards	PROPN
fsr-3421	413	31	,	,	PUNCT
fsr-3421	413	32	e.	e.	PROPN
fsr-3421	413	33	f.	f.	PROPN
fsr-3421	413	34	morton	morton	PROPN
fsr-3421	413	35	/	/	SYM
fsr-3421	413	36	financial	financial	ADJ
fsr-3421	413	37	services	service	NOUN
fsr-3421	413	38	review	review	VERB
fsr-3421	413	39	28	28	NUM
fsr-3421	413	40	(	(	PUNCT
fsr-3421	413	41	2020	2020	NUM
fsr-3421	413	42	)	)	PUNCT
fsr-3421	414	1	133–158	133–158	NUM
fsr-3421	414	2	151	151	NUM
fsr-3421	414	3	than	than	ADP
fsr-3421	414	4	the	the	DET
fsr-3421	414	5	state	state	NOUN
fsr-3421	414	6	.	.	PUNCT
fsr-3421	415	1	we	we	PRON
fsr-3421	415	2	contend	contend	VERB
fsr-3421	415	3	that	that	SCONJ
fsr-3421	415	4	in	in	ADP
fsr-3421	415	5	considering	consider	VERB
fsr-3421	415	6	client	client	NOUN
fsr-3421	415	7	’s	’s	PART
fsr-3421	415	8	best	good	ADJ
fsr-3421	415	9	interest	interest	NOUN
fsr-3421	415	10	practice	practice	NOUN
fsr-3421	415	11	in	in	ADP
fsr-3421	415	12	australia	australia	PROPN
fsr-3421	415	13	,	,	PUNCT
fsr-3421	415	14	it	it	PRON
fsr-3421	415	15	is	be	AUX
fsr-3421	415	16	not	not	PART
fsr-3421	415	17	only	only	ADV
fsr-3421	415	18	the	the	DET
fsr-3421	415	19	individual	individual	ADJ
fsr-3421	415	20	financial	financial	ADJ
fsr-3421	415	21	advisor	advisor	NOUN
fsr-3421	415	22	that	that	PRON
fsr-3421	415	23	is	be	AUX
fsr-3421	415	24	important	important	ADJ
fsr-3421	415	25	,	,	PUNCT
fsr-3421	415	26	but	but	CCONJ
fsr-3421	415	27	also	also	ADV
fsr-3421	415	28	the	the	DET
fsr-3421	415	29	influence	influence	NOUN
fsr-3421	415	30	of	of	ADP
fsr-3421	415	31	the	the	DET
fsr-3421	415	32	contextual	contextual	ADJ
fsr-3421	415	33	environment	environment	NOUN
fsr-3421	415	34	that	that	PRON
fsr-3421	415	35	the	the	DET
fsr-3421	415	36	advisor	advisor	NOUN
fsr-3421	415	37	operates	operate	VERB
fsr-3421	415	38	within	within	ADV
fsr-3421	415	39	.	.	PUNCT
fsr-3421	416	1	often	often	ADV
fsr-3421	416	2	,	,	PUNCT
fsr-3421	416	3	the	the	DET
fsr-3421	416	4	business	business	NOUN
fsr-3421	416	5	models	model	NOUN
fsr-3421	416	6	in	in	ADP
fsr-3421	416	7	place	place	NOUN
fsr-3421	416	8	are	be	AUX
fsr-3421	416	9	conceptually	conceptually	ADV
fsr-3421	416	10	positioned	position	VERB
fsr-3421	416	11	to	to	PART
fsr-3421	416	12	prevent	prevent	VERB
fsr-3421	416	13	or	or	CCONJ
fsr-3421	416	14	impede	impede	VERB
fsr-3421	416	15	financial	financial	ADJ
fsr-3421	416	16	advisors	advisor	NOUN
fsr-3421	416	17	from	from	ADP
fsr-3421	416	18	becoming	become	VERB
fsr-3421	416	19	bias	bias	NOUN
fsr-3421	416	20	.	.	PUNCT
fsr-3421	417	1	as	as	ADP
fsr-3421	417	2	per	per	ADP
fsr-3421	417	3	the	the	DET
fsr-3421	417	4	general	general	ADJ
fsr-3421	417	5	model	model	NOUN
fsr-3421	417	6	of	of	ADP
fsr-3421	417	7	a	a	DET
fsr-3421	417	8	client	client	NOUN
fsr-3421	417	9	’s	’s	PART
fsr-3421	417	10	best	good	ADJ
fsr-3421	417	11	interest	interest	NOUN
fsr-3421	417	12	in	in	ADP
fsr-3421	417	13	financial	financial	ADJ
fsr-3421	417	14	advice	advice	NOUN
fsr-3421	417	15	,	,	PUNCT
fsr-3421	417	16	these	these	DET
fsr-3421	417	17	models	model	NOUN
fsr-3421	417	18	are	be	AUX
fsr-3421	417	19	less	less	ADV
fsr-3421	417	20	able	able	ADJ
fsr-3421	417	21	to	to	PART
fsr-3421	417	22	enable	enable	VERB
fsr-3421	417	23	the	the	DET
fsr-3421	417	24	orientation	orientation	NOUN
fsr-3421	417	25	(	(	PUNCT
fsr-3421	417	26	client	client	NOUN
fsr-3421	417	27	-	-	PUNCT
fsr-3421	417	28	centered	center	VERB
fsr-3421	417	29	)	)	PUNCT
fsr-3421	417	30	and	and	CCONJ
fsr-3421	417	31	alignment	alignment	NOUN
fsr-3421	417	32	(	(	PUNCT
fsr-3421	417	33	independent	independent	ADJ
fsr-3421	417	34	from	from	ADP
fsr-3421	417	35	product	product	NOUN
fsr-3421	417	36	providers	provider	NOUN
fsr-3421	417	37	)	)	PUNCT
fsr-3421	417	38	that	that	PRON
fsr-3421	417	39	is	be	AUX
fsr-3421	417	40	most	most	ADV
fsr-3421	417	41	likely	likely	ADJ
fsr-3421	417	42	to	to	PART
fsr-3421	417	43	prioritize	prioritize	VERB
fsr-3421	417	44	client	client	PROPN
fsr-3421	417	45	’s	’s	PART
fsr-3421	417	46	best	good	ADJ
fsr-3421	417	47	interest	interest	NOUN
fsr-3421	417	48	practice	practice	NOUN
fsr-3421	417	49	.	.	PUNCT
fsr-3421	418	1	as	as	ADP
fsr-3421	418	2	such	such	ADJ
fsr-3421	418	3	,	,	PUNCT
fsr-3421	418	4	advice	advice	NOUN
fsr-3421	418	5	is	be	AUX
fsr-3421	418	6	positioned	position	VERB
fsr-3421	418	7	to	to	PART
fsr-3421	418	8	be	be	AUX
fsr-3421	418	9	less	less	ADV
fsr-3421	418	10	effective	effective	ADJ
fsr-3421	418	11	and	and	CCONJ
fsr-3421	418	12	beneficial	beneficial	ADJ
fsr-3421	418	13	to	to	ADP
fsr-3421	418	14	investors	investor	NOUN
fsr-3421	418	15	.	.	PUNCT
fsr-3421	419	1	this	this	DET
fsr-3421	419	2	article	article	NOUN
fsr-3421	419	3	offers	offer	VERB
fsr-3421	419	4	important	important	ADJ
fsr-3421	419	5	implications	implication	NOUN
fsr-3421	419	6	for	for	ADP
fsr-3421	419	7	policymakers	policymaker	NOUN
fsr-3421	419	8	,	,	PUNCT
fsr-3421	419	9	financial	financial	ADJ
fsr-3421	419	10	advisors	advisor	NOUN
fsr-3421	419	11	and	and	CCONJ
fsr-3421	419	12	clients	client	NOUN
fsr-3421	419	13	.	.	PUNCT
fsr-3421	420	1	this	this	DET
fsr-3421	420	2	integrated	integrate	VERB
fsr-3421	420	3	framework	framework	NOUN
fsr-3421	420	4	can	can	AUX
fsr-3421	420	5	enable	enable	VERB
fsr-3421	420	6	more	more	ADJ
fsr-3421	420	7	targeted	target	VERB
fsr-3421	420	8	initiatives	initiative	NOUN
fsr-3421	420	9	towards	towards	ADP
fsr-3421	420	10	the	the	DET
fsr-3421	420	11	nature	nature	NOUN
fsr-3421	420	12	of	of	ADP
fsr-3421	420	13	the	the	DET
fsr-3421	420	14	advice	advice	NOUN
fsr-3421	420	15	provided	provide	VERB
fsr-3421	420	16	in	in	ADP
fsr-3421	420	17	the	the	DET
fsr-3421	420	18	defined	define	VERB
fsr-3421	420	19	context	context	NOUN
fsr-3421	420	20	.	.	PUNCT
fsr-3421	421	1	initiatives	initiative	NOUN
fsr-3421	421	2	to	to	PART
fsr-3421	421	3	promote	promote	VERB
fsr-3421	421	4	a	a	DET
fsr-3421	421	5	client	client	NOUN
fsr-3421	421	6	’s	’s	PART
fsr-3421	421	7	best	good	ADJ
fsr-3421	421	8	practice	practice	NOUN
fsr-3421	421	9	should	should	AUX
fsr-3421	421	10	be	be	AUX
fsr-3421	421	11	targeted	target	VERB
fsr-3421	421	12	at	at	ADP
fsr-3421	421	13	advice	advice	NOUN
fsr-3421	421	14	with	with	ADP
fsr-3421	421	15	an	an	DET
fsr-3421	421	16	orientation	orientation	NOUN
fsr-3421	421	17	towards	towards	ADP
fsr-3421	421	18	clients	client	NOUN
fsr-3421	421	19	and	and	CCONJ
fsr-3421	421	20	alignment	alignment	NOUN
fsr-3421	421	21	independent	independent	NOUN
fsr-3421	421	22	from	from	ADP
fsr-3421	421	23	product	product	NOUN
fsr-3421	421	24	providers	provider	NOUN
fsr-3421	421	25	(	(	PUNCT
fsr-3421	421	26	bia	bia	PROPN
fsr-3421	421	27	)	)	PUNCT
fsr-3421	421	28	.	.	PUNCT
fsr-3421	422	1	other	other	ADJ
fsr-3421	422	2	types	type	NOUN
fsr-3421	422	3	of	of	ADP
fsr-3421	422	4	advice	advice	NOUN
fsr-3421	422	5	(	(	PUNCT
fsr-3421	422	6	agents	agent	NOUN
fsr-3421	422	7	,	,	PUNCT
fsr-3421	422	8	brokers	broker	NOUN
fsr-3421	422	9	,	,	PUNCT
fsr-3421	422	10	and	and	CCONJ
fsr-3421	422	11	advisers	adviser	NOUN
fsr-3421	422	12	)	)	PUNCT
fsr-3421	422	13	,	,	PUNCT
fsr-3421	422	14	should	should	AUX
fsr-3421	422	15	not	not	PART
fsr-3421	422	16	be	be	AUX
fsr-3421	422	17	expected	expect	VERB
fsr-3421	422	18	to	to	PART
fsr-3421	422	19	achieve	achieve	VERB
fsr-3421	422	20	client	client	NOUN
fsr-3421	422	21	’s	’s	PART
fsr-3421	422	22	best	good	ADJ
fsr-3421	422	23	interest	interest	NOUN
fsr-3421	422	24	practice	practice	NOUN
fsr-3421	422	25	.	.	PUNCT
fsr-3421	423	1	creating	create	VERB
fsr-3421	423	2	clarity	clarity	NOUN
fsr-3421	423	3	in	in	ADP
fsr-3421	423	4	roles	role	NOUN
fsr-3421	423	5	identified	identify	VERB
fsr-3421	423	6	in	in	ADP
fsr-3421	423	7	this	this	DET
fsr-3421	423	8	framework	framework	NOUN
fsr-3421	423	9	would	would	AUX
fsr-3421	423	10	inform	inform	VERB
fsr-3421	423	11	on	on	ADP
fsr-3421	423	12	the	the	DET
fsr-3421	423	13	nature	nature	NOUN
fsr-3421	423	14	of	of	ADP
fsr-3421	423	15	the	the	DET
fsr-3421	423	16	advice	advice	NOUN
fsr-3421	423	17	provided	provide	VERB
fsr-3421	423	18	,	,	PUNCT
fsr-3421	423	19	enable	enable	VERB
fsr-3421	423	20	more	more	ADV
fsr-3421	423	21	effective	effective	ADJ
fsr-3421	423	22	financial	financial	ADJ
fsr-3421	423	23	advice	advice	NOUN
fsr-3421	423	24	,	,	PUNCT
fsr-3421	423	25	and	and	CCONJ
fsr-3421	423	26	lead	lead	VERB
fsr-3421	423	27	to	to	ADP
fsr-3421	423	28	better	well	ADJ
fsr-3421	423	29	outcomes	outcome	NOUN
fsr-3421	423	30	for	for	ADP
fsr-3421	423	31	investors	investor	NOUN
fsr-3421	423	32	.	.	PUNCT
fsr-3421	424	1	however	however	ADV
fsr-3421	424	2	,	,	PUNCT
fsr-3421	424	3	in	in	ADP
fsr-3421	424	4	doing	do	VERB
fsr-3421	424	5	so	so	ADV
fsr-3421	424	6	,	,	PUNCT
fsr-3421	424	7	the	the	DET
fsr-3421	424	8	related	related	ADJ
fsr-3421	424	9	business	business	NOUN
fsr-3421	424	10	models	model	NOUN
fsr-3421	424	11	need	need	VERB
fsr-3421	424	12	to	to	PART
fsr-3421	424	13	be	be	AUX
fsr-3421	424	14	considered	consider	VERB
fsr-3421	424	15	to	to	PART
fsr-3421	424	16	ensure	ensure	VERB
fsr-3421	424	17	financial	financial	ADJ
fsr-3421	424	18	advisors	advisor	NOUN
fsr-3421	424	19	are	be	AUX
fsr-3421	424	20	enabled	enable	VERB
fsr-3421	424	21	to	to	PART
fsr-3421	424	22	achieve	achieve	VERB
fsr-3421	424	23	client	client	NOUN
fsr-3421	424	24	’s	’s	PART
fsr-3421	424	25	best	good	ADJ
fsr-3421	424	26	interest	interest	NOUN
fsr-3421	424	27	practice	practice	NOUN
fsr-3421	424	28	rather	rather	ADV
fsr-3421	424	29	than	than	ADP
fsr-3421	424	30	the	the	DET
fsr-3421	424	31	perception	perception	NOUN
fsr-3421	424	32	of	of	ADP
fsr-3421	424	33	best	good	ADJ
fsr-3421	424	34	interest	interest	NOUN
fsr-3421	424	35	practice	practice	NOUN
fsr-3421	424	36	.	.	PUNCT
fsr-3421	425	1	as	as	ADP
fsr-3421	425	2	such	such	ADJ
fsr-3421	425	3	,	,	PUNCT
fsr-3421	425	4	this	this	DET
fsr-3421	425	5	research	research	NOUN
fsr-3421	425	6	continues	continue	VERB
fsr-3421	425	7	the	the	DET
fsr-3421	425	8	conversation	conversation	NOUN
fsr-3421	425	9	towards	towards	ADP
fsr-3421	425	10	business	business	NOUN
fsr-3421	425	11	models	model	NOUN
fsr-3421	425	12	and	and	CCONJ
fsr-3421	425	13	the	the	DET
fsr-3421	425	14	risk	risk	NOUN
fsr-3421	425	15	of	of	ADP
fsr-3421	425	16	stakeholder	stakeholder	NOUN
fsr-3421	425	17	initiatives	initiative	NOUN
fsr-3421	425	18	functioning	function	VERB
fsr-3421	425	19	as	as	ADP
fsr-3421	425	20	a	a	DET
fsr-3421	425	21	blunt	blunt	ADJ
fsr-3421	425	22	tool	tool	NOUN
fsr-3421	425	23	for	for	ADP
fsr-3421	425	24	change	change	NOUN
fsr-3421	425	25	.	.	PUNCT
fsr-3421	426	1	understanding	understand	VERB
fsr-3421	426	2	that	that	SCONJ
fsr-3421	426	3	initiatives	initiative	NOUN
fsr-3421	426	4	towards	towards	ADP
fsr-3421	426	5	bias	bias	NOUN
fsr-3421	426	6	are	be	AUX
fsr-3421	426	7	substantially	substantially	ADV
fsr-3421	426	8	thwarted	thwart	VERB
fsr-3421	426	9	by	by	ADP
fsr-3421	426	10	certain	certain	ADJ
fsr-3421	426	11	business	business	NOUN
fsr-3421	426	12	models	model	NOUN
fsr-3421	426	13	(	(	PUNCT
fsr-3421	426	14	model	model	NOUN
fsr-3421	426	15	1	1	NUM
fsr-3421	426	16	and	and	CCONJ
fsr-3421	426	17	model	model	NOUN
fsr-3421	426	18	2	2	NUM
fsr-3421	426	19	)	)	PUNCT
fsr-3421	426	20	,	,	PUNCT
fsr-3421	426	21	suggests	suggest	VERB
fsr-3421	426	22	that	that	SCONJ
fsr-3421	426	23	for	for	SCONJ
fsr-3421	426	24	progress	progress	NOUN
fsr-3421	426	25	to	to	PART
fsr-3421	426	26	occur	occur	VERB
fsr-3421	426	27	,	,	PUNCT
fsr-3421	426	28	the	the	DET
fsr-3421	426	29	change	change	NOUN
fsr-3421	426	30	should	should	AUX
fsr-3421	426	31	be	be	AUX
fsr-3421	426	32	directed	direct	VERB
fsr-3421	426	33	towards	towards	ADP
fsr-3421	426	34	overcoming	overcome	VERB
fsr-3421	426	35	the	the	DET
fsr-3421	426	36	barriers	barrier	NOUN
fsr-3421	426	37	that	that	SCONJ
fsr-3421	426	38	business	business	NOUN
fsr-3421	426	39	models	model	NOUN
fsr-3421	426	40	create	create	VERB
fsr-3421	426	41	.	.	PUNCT
fsr-3421	427	1	fig	fig	NOUN
fsr-3421	427	2	.	.	PUNCT
fsr-3421	428	1	4	4	X
fsr-3421	428	2	.	.	X
fsr-3421	428	3	the	the	DET
fsr-3421	428	4	integrated	integrate	VERB
fsr-3421	428	5	framework	framework	NOUN
fsr-3421	428	6	.	.	PUNCT
fsr-3421	429	1	note	note	NOUN
fsr-3421	429	2	:	:	PUNCT
fsr-3421	429	3	the	the	DET
fsr-3421	429	4	dark	dark	ADJ
fsr-3421	429	5	grey	grey	PROPN
fsr-3421	429	6	shaded	shade	VERB
fsr-3421	429	7	areas	area	NOUN
fsr-3421	429	8	reflect	reflect	VERB
fsr-3421	429	9	enabled	enable	VERB
fsr-3421	429	10	influences	influence	NOUN
fsr-3421	429	11	working	work	VERB
fsr-3421	429	12	towards	towards	ADP
fsr-3421	429	13	the	the	DET
fsr-3421	429	14	prioritizing	prioritize	VERB
fsr-3421	429	15	a	a	DET
fsr-3421	429	16	client	client	NOUN
fsr-3421	429	17	’s	’s	PART
fsr-3421	429	18	best	good	ADJ
fsr-3421	429	19	interest	interest	NOUN
fsr-3421	429	20	,	,	PUNCT
fsr-3421	429	21	whilst	whilst	SCONJ
fsr-3421	429	22	the	the	DET
fsr-3421	429	23	light	light	ADJ
fsr-3421	429	24	grey	grey	NOUN
fsr-3421	429	25	areas	area	NOUN
fsr-3421	429	26	represent	represent	VERB
fsr-3421	429	27	inhibited	inhibited	ADJ
fsr-3421	429	28	influences	influence	NOUN
fsr-3421	429	29	.	.	PUNCT
fsr-3421	430	1	152	152	NUM
fsr-3421	430	2	d.	d.	PROPN
fsr-3421	430	3	w.	w.	PROPN
fsr-3421	430	4	richards	richards	PROPN
fsr-3421	430	5	,	,	PUNCT
fsr-3421	430	6	e.	e.	PROPN
fsr-3421	430	7	f.	f.	PROPN
fsr-3421	430	8	morton	morton	PROPN
fsr-3421	430	9	/	/	SYM
fsr-3421	430	10	financial	financial	ADJ
fsr-3421	430	11	services	service	NOUN
fsr-3421	430	12	review	review	VERB
fsr-3421	430	13	28	28	NUM
fsr-3421	430	14	(	(	PUNCT
fsr-3421	430	15	2020	2020	NUM
fsr-3421	430	16	)	)	PUNCT
fsr-3421	430	17	133–158	133–158	NUM
fsr-3421	430	18	future	future	ADJ
fsr-3421	430	19	research	research	NOUN
fsr-3421	430	20	opportunities	opportunity	NOUN
fsr-3421	430	21	should	should	AUX
fsr-3421	430	22	consider	consider	VERB
fsr-3421	430	23	how	how	SCONJ
fsr-3421	430	24	the	the	DET
fsr-3421	430	25	business	business	NOUN
fsr-3421	430	26	structures	structure	NOUN
fsr-3421	430	27	and	and	CCONJ
fsr-3421	430	28	the	the	DET
fsr-3421	430	29	external	external	ADJ
fsr-3421	430	30	regulatory	regulatory	ADJ
fsr-3421	430	31	context	context	NOUN
fsr-3421	430	32	in	in	ADP
fsr-3421	430	33	other	other	ADJ
fsr-3421	430	34	jurisdictions	jurisdiction	NOUN
fsr-3421	430	35	interact	interact	VERB
fsr-3421	430	36	with	with	ADP
fsr-3421	430	37	the	the	DET
fsr-3421	430	38	general	general	ADJ
fsr-3421	430	39	model	model	NOUN
fsr-3421	430	40	of	of	ADP
fsr-3421	430	41	best	good	ADJ
fsr-3421	430	42	interest	interest	NOUN
fsr-3421	430	43	in	in	ADP
fsr-3421	430	44	financial	financial	ADJ
fsr-3421	430	45	advice	advice	NOUN
fsr-3421	430	46	,	,	PUNCT
fsr-3421	430	47	both	both	PRON
fsr-3421	430	48	in	in	ADP
fsr-3421	430	49	terms	term	NOUN
fsr-3421	430	50	of	of	ADP
fsr-3421	430	51	determining	determine	VERB
fsr-3421	430	52	the	the	DET
fsr-3421	430	53	existence	existence	NOUN
fsr-3421	430	54	and	and	CCONJ
fsr-3421	430	55	pervasiveness	pervasiveness	NOUN
fsr-3421	430	56	of	of	ADP
fsr-3421	430	57	relative	relative	ADJ
fsr-3421	430	58	barriers	barrier	NOUN
fsr-3421	430	59	.	.	PUNCT
fsr-3421	431	1	such	such	ADJ
fsr-3421	431	2	examination	examination	NOUN
fsr-3421	431	3	would	would	AUX
fsr-3421	431	4	offer	offer	VERB
fsr-3421	431	5	potential	potential	ADJ
fsr-3421	431	6	resolutions	resolution	NOUN
fsr-3421	431	7	to	to	PART
fsr-3421	431	8	impediments	impediment	NOUN
fsr-3421	431	9	identified	identify	VERB
fsr-3421	431	10	in	in	ADP
fsr-3421	431	11	australia	australia	PROPN
fsr-3421	431	12	or	or	CCONJ
fsr-3421	431	13	vice	vice	NOUN
fsr-3421	431	14	versa	versa	ADV
fsr-3421	431	15	.	.	PUNCT
fsr-3421	432	1	considering	consider	VERB
fsr-3421	432	2	the	the	DET
fsr-3421	432	3	substantial	substantial	ADJ
fsr-3421	432	4	controversy	controversy	NOUN
fsr-3421	432	5	within	within	ADP
fsr-3421	432	6	the	the	DET
fsr-3421	432	7	australian	australian	ADJ
fsr-3421	432	8	context	context	NOUN
fsr-3421	432	9	,	,	PUNCT
fsr-3421	432	10	it	it	PRON
fsr-3421	432	11	is	be	AUX
fsr-3421	432	12	paramount	paramount	ADJ
fsr-3421	432	13	that	that	SCONJ
fsr-3421	432	14	we	we	PRON
fsr-3421	432	15	further	further	VERB
fsr-3421	432	16	the	the	DET
fsr-3421	432	17	conversation	conversation	NOUN
fsr-3421	432	18	over	over	ADP
fsr-3421	432	19	best	good	ADJ
fsr-3421	432	20	interest	interest	NOUN
fsr-3421	432	21	practice	practice	NOUN
fsr-3421	432	22	and	and	CCONJ
fsr-3421	432	23	progress	progress	VERB
fsr-3421	432	24	financial	financial	ADJ
fsr-3421	432	25	advisors	advisor	NOUN
fsr-3421	432	26	towards	towards	ADP
fsr-3421	432	27	the	the	DET
fsr-3421	432	28	status	status	NOUN
fsr-3421	432	29	of	of	ADP
fsr-3421	432	30	bias	bias	NOUN
fsr-3421	432	31	.	.	PUNCT
fsr-3421	433	1	6.1	6.1	NUM
fsr-3421	433	2	.	.	PUNCT
fsr-3421	434	1	international	international	ADJ
fsr-3421	434	2	application	application	NOUN
fsr-3421	434	3	of	of	ADP
fsr-3421	434	4	findings	finding	NOUN
fsr-3421	434	5	this	this	DET
fsr-3421	434	6	research	research	NOUN
fsr-3421	434	7	focuses	focus	VERB
fsr-3421	434	8	on	on	ADP
fsr-3421	434	9	australia	australia	PROPN
fsr-3421	434	10	but	but	CCONJ
fsr-3421	434	11	there	there	PRON
fsr-3421	434	12	is	be	VERB
fsr-3421	434	13	global	global	ADJ
fsr-3421	434	14	applicability	applicability	NOUN
fsr-3421	434	15	of	of	ADP
fsr-3421	434	16	our	our	PRON
fsr-3421	434	17	findings	finding	NOUN
fsr-3421	434	18	because	because	SCONJ
fsr-3421	434	19	conflicts	conflict	NOUN
fsr-3421	434	20	of	of	ADP
fsr-3421	434	21	interest	interest	NOUN
fsr-3421	434	22	in	in	ADP
fsr-3421	434	23	financial	financial	ADJ
fsr-3421	434	24	advice	advice	NOUN
fsr-3421	434	25	occur	occur	VERB
fsr-3421	434	26	in	in	ADP
fsr-3421	434	27	switzerland	switzerland	PROPN
fsr-3421	434	28	(	(	PUNCT
fsr-3421	434	29	hoechle	hoechle	ADV
fsr-3421	434	30	et	et	PROPN
fsr-3421	434	31	al	al	PROPN
fsr-3421	434	32	.	.	PROPN
fsr-3421	434	33	,	,	PUNCT
fsr-3421	434	34	2018	2018	NUM
fsr-3421	434	35	)	)	PUNCT
fsr-3421	434	36	,	,	PUNCT
fsr-3421	434	37	germany	germany	PROPN
fsr-3421	434	38	(	(	PUNCT
fsr-3421	434	39	hackethal	hackethal	PROPN
fsr-3421	434	40	et	et	PROPN
fsr-3421	434	41	al	al	PROPN
fsr-3421	434	42	.	.	PROPN
fsr-3421	434	43	,	,	PUNCT
fsr-3421	434	44	2012	2012	NUM
fsr-3421	434	45	)	)	PUNCT
fsr-3421	434	46	,	,	PUNCT
fsr-3421	434	47	united	united	PROPN
fsr-3421	434	48	states	states	PROPN
fsr-3421	434	49	(	(	PUNCT
fsr-3421	434	50	egan	egan	PROPN
fsr-3421	434	51	,	,	PUNCT
fsr-3421	434	52	matvos	matvos	NUM
fsr-3421	434	53	,	,	PUNCT
fsr-3421	434	54	&	&	CCONJ
fsr-3421	434	55	seru	seru	PROPN
fsr-3421	434	56	,	,	PUNCT
fsr-3421	434	57	2019	2019	NUM
fsr-3421	434	58	)	)	PUNCT
fsr-3421	434	59	,	,	PUNCT
fsr-3421	434	60	and	and	CCONJ
fsr-3421	434	61	canada	canada	PROPN
fsr-3421	434	62	(	(	PUNCT
fsr-3421	434	63	foerster	foerster	PROPN
fsr-3421	434	64	et	et	PROPN
fsr-3421	434	65	al	al	PROPN
fsr-3421	434	66	.	.	PROPN
fsr-3421	434	67	,	,	PUNCT
fsr-3421	434	68	2017	2017	NUM
fsr-3421	434	69	)	)	PUNCT
fsr-3421	434	70	.	.	PUNCT
fsr-3421	435	1	the	the	DET
fsr-3421	435	2	model	model	NOUN
fsr-3421	435	3	presented	present	VERB
fsr-3421	435	4	in	in	ADP
fsr-3421	435	5	fig	fig	NOUN
fsr-3421	435	6	.	.	PUNCT
fsr-3421	436	1	1	1	NUM
fsr-3421	436	2	can	can	AUX
fsr-3421	436	3	be	be	AUX
fsr-3421	436	4	applied	apply	VERB
fsr-3421	436	5	to	to	ADP
fsr-3421	436	6	many	many	ADJ
fsr-3421	436	7	contexts	context	NOUN
fsr-3421	436	8	and	and	CCONJ
fsr-3421	436	9	is	be	AUX
fsr-3421	436	10	useful	useful	ADJ
fsr-3421	436	11	in	in	ADP
fsr-3421	436	12	differentiating	differentiate	VERB
fsr-3421	436	13	types	type	NOUN
fsr-3421	436	14	of	of	ADP
fsr-3421	436	15	financial	financial	ADJ
fsr-3421	436	16	advice	advice	NOUN
fsr-3421	436	17	that	that	PRON
fsr-3421	436	18	are	be	AUX
fsr-3421	436	19	or	or	CCONJ
fsr-3421	436	20	are	be	AUX
fsr-3421	436	21	not	not	PART
fsr-3421	436	22	provided	provide	VERB
fsr-3421	436	23	in	in	ADP
fsr-3421	436	24	a	a	DET
fsr-3421	436	25	client	client	NOUN
fsr-3421	436	26	’s	’s	PART
fsr-3421	436	27	best	good	ADJ
fsr-3421	436	28	interest	interest	NOUN
fsr-3421	436	29	.	.	PUNCT
fsr-3421	437	1	the	the	DET
fsr-3421	437	2	business	business	NOUN
fsr-3421	437	3	models	model	NOUN
fsr-3421	437	4	outlined	outline	VERB
fsr-3421	437	5	in	in	ADP
fsr-3421	437	6	fig	fig	NOUN
fsr-3421	437	7	.	.	PUNCT
fsr-3421	438	1	2	2	NUM
fsr-3421	438	2	are	be	AUX
fsr-3421	438	3	australian	australian	ADJ
fsr-3421	438	4	specific	specific	ADJ
fsr-3421	438	5	due	due	ADP
fsr-3421	438	6	to	to	ADP
fsr-3421	438	7	the	the	DET
fsr-3421	438	8	licensing	licensing	NOUN
fsr-3421	438	9	regime	regime	NOUN
fsr-3421	438	10	legislated	legislate	VERB
fsr-3421	438	11	there	there	ADV
fsr-3421	438	12	.	.	PUNCT
fsr-3421	439	1	the	the	DET
fsr-3421	439	2	applicability	applicability	NOUN
fsr-3421	439	3	of	of	ADP
fsr-3421	439	4	these	these	DET
fsr-3421	439	5	business	business	NOUN
fsr-3421	439	6	models	model	NOUN
fsr-3421	439	7	to	to	ADP
fsr-3421	439	8	other	other	ADJ
fsr-3421	439	9	contexts	context	NOUN
fsr-3421	439	10	will	will	AUX
fsr-3421	439	11	depend	depend	VERB
fsr-3421	439	12	on	on	ADP
fsr-3421	439	13	how	how	SCONJ
fsr-3421	439	14	financial	financial	ADJ
fsr-3421	439	15	advisors	advisor	NOUN
fsr-3421	439	16	are	be	AUX
fsr-3421	439	17	authorized	authorize	VERB
fsr-3421	439	18	to	to	PART
fsr-3421	439	19	practice	practice	VERB
fsr-3421	439	20	in	in	ADP
fsr-3421	439	21	those	those	DET
fsr-3421	439	22	contexts	contexts	NOUN
fsr-3421	439	23	.	.	PUNCT
fsr-3421	440	1	comparing	compare	VERB
fsr-3421	440	2	contexts	context	NOUN
fsr-3421	440	3	in	in	ADP
fsr-3421	440	4	terms	term	NOUN
fsr-3421	440	5	of	of	ADP
fsr-3421	440	6	how	how	SCONJ
fsr-3421	440	7	financial	financial	ADJ
fsr-3421	440	8	advice	advice	NOUN
fsr-3421	440	9	is	be	AUX
fsr-3421	440	10	governed	govern	VERB
fsr-3421	440	11	would	would	AUX
fsr-3421	440	12	be	be	AUX
fsr-3421	440	13	a	a	DET
fsr-3421	440	14	worthwhile	worthwhile	ADJ
fsr-3421	440	15	pursuit	pursuit	NOUN
fsr-3421	440	16	because	because	SCONJ
fsr-3421	440	17	such	such	ADJ
fsr-3421	440	18	research	research	NOUN
fsr-3421	440	19	could	could	AUX
fsr-3421	440	20	ascertain	ascertain	VERB
fsr-3421	440	21	strengths	strength	NOUN
fsr-3421	440	22	and	and	CCONJ
fsr-3421	440	23	weaknesses	weakness	NOUN
fsr-3421	440	24	of	of	ADP
fsr-3421	440	25	current	current	ADJ
fsr-3421	440	26	governance	governance	NOUN
fsr-3421	440	27	systems	system	NOUN
fsr-3421	440	28	.	.	PUNCT
fsr-3421	441	1	finally	finally	ADV
fsr-3421	441	2	,	,	PUNCT
fsr-3421	441	3	the	the	DET
fsr-3421	441	4	various	various	ADJ
fsr-3421	441	5	external	external	ADJ
fsr-3421	441	6	stakeholders	stakeholder	NOUN
fsr-3421	441	7	outlined	outline	VERB
fsr-3421	441	8	in	in	ADP
fsr-3421	441	9	fig	fig	NOUN
fsr-3421	441	10	.	.	PUNCT
fsr-3421	442	1	3	3	NUM
fsr-3421	442	2	will	will	AUX
fsr-3421	442	3	be	be	AUX
fsr-3421	442	4	prevalent	prevalent	ADJ
fsr-3421	442	5	in	in	ADP
fsr-3421	442	6	other	other	ADJ
fsr-3421	442	7	countries	country	NOUN
fsr-3421	442	8	.	.	PUNCT
fsr-3421	443	1	however	however	ADV
fsr-3421	443	2	,	,	PUNCT
fsr-3421	443	3	the	the	DET
fsr-3421	443	4	influence	influence	NOUN
fsr-3421	443	5	of	of	ADP
fsr-3421	443	6	each	each	DET
fsr-3421	443	7	stakeholder	stakeholder	NOUN
fsr-3421	443	8	over	over	ADP
fsr-3421	443	9	financial	financial	ADJ
fsr-3421	443	10	advisor	advisor	NOUN
fsr-3421	443	11	will	will	AUX
fsr-3421	443	12	vary	vary	VERB
fsr-3421	443	13	from	from	ADP
fsr-3421	443	14	context	context	NOUN
fsr-3421	443	15	to	to	ADP
fsr-3421	443	16	context	context	VERB
fsr-3421	443	17	depending	depend	VERB
fsr-3421	443	18	on	on	ADP
fsr-3421	443	19	their	their	PRON
fsr-3421	443	20	authority	authority	NOUN
fsr-3421	443	21	and	and	CCONJ
fsr-3421	443	22	the	the	DET
fsr-3421	443	23	interplay	interplay	NOUN
fsr-3421	443	24	between	between	ADP
fsr-3421	443	25	the	the	DET
fsr-3421	443	26	relative	relative	ADJ
fsr-3421	443	27	organizational	organizational	ADJ
fsr-3421	443	28	context	context	NOUN
fsr-3421	443	29	and	and	CCONJ
fsr-3421	443	30	regulatory	regulatory	ADJ
fsr-3421	443	31	framework	framework	NOUN
fsr-3421	443	32	.	.	PUNCT
fsr-3421	444	1	acknowledgment	acknowledgment	NOUN
fsr-3421	444	2	the	the	DET
fsr-3421	444	3	authors	author	NOUN
fsr-3421	444	4	would	would	AUX
fsr-3421	444	5	like	like	VERB
fsr-3421	444	6	to	to	PART
fsr-3421	444	7	thank	thank	VERB
fsr-3421	444	8	professor	professor	PROPN
fsr-3421	444	9	chris	chris	PROPN
fsr-3421	444	10	robinson	robinson	PROPN
fsr-3421	444	11	,	,	PUNCT
fsr-3421	444	12	associate	associate	NOUN
fsr-3421	444	13	professor	professor	PROPN
fsr-3421	444	14	eva	eva	PROPN
fsr-3421	444	15	tsahuridu	tsahuridu	PROPN
fsr-3421	444	16	and	and	CCONJ
fsr-3421	444	17	two	two	NUM
fsr-3421	444	18	reviewers	reviewer	NOUN
fsr-3421	444	19	for	for	ADP
fsr-3421	444	20	their	their	PRON
fsr-3421	444	21	comments	comment	NOUN
fsr-3421	444	22	on	on	ADP
fsr-3421	444	23	this	this	DET
fsr-3421	444	24	paper	paper	NOUN
fsr-3421	444	25	.	.	PUNCT
fsr-3421	445	1	we	we	PRON
fsr-3421	445	2	also	also	ADV
fsr-3421	445	3	acknowledge	acknowledge	VERB
fsr-3421	445	4	the	the	DET
fsr-3421	445	5	feedback	feedback	NOUN
fsr-3421	445	6	provided	provide	VERB
fsr-3421	445	7	from	from	ADP
fsr-3421	445	8	the	the	DET
fsr-3421	445	9	presentations	presentation	NOUN
fsr-3421	445	10	at	at	ADP
fsr-3421	445	11	york	york	PROPN
fsr-3421	445	12	university	university	PROPN
fsr-3421	445	13	,	,	PUNCT
fsr-3421	445	14	australian	australian	ADJ
fsr-3421	445	15	business	business	NOUN
fsr-3421	445	16	ethics	ethic	NOUN
fsr-3421	445	17	network	network	NOUN
fsr-3421	445	18	conference	conference	PROPN
fsr-3421	445	19	(	(	PUNCT
fsr-3421	445	20	melbourne	melbourne	PROPN
fsr-3421	445	21	)	)	PUNCT
fsr-3421	445	22	,	,	PUNCT
fsr-3421	445	23	rmit	rmit	PROPN
fsr-3421	445	24	university	university	PROPN
fsr-3421	445	25	and	and	CCONJ
fsr-3421	445	26	personal	personal	ADJ
fsr-3421	445	27	finance	finance	NOUN
fsr-3421	445	28	and	and	CCONJ
fsr-3421	445	29	investment	investment	NOUN
fsr-3421	445	30	symposium	symposium	NOUN
fsr-3421	445	31	(	(	PUNCT
fsr-3421	445	32	melbourne	melbourne	PROPN
fsr-3421	445	33	)	)	PUNCT
fsr-3421	445	34	.	.	PUNCT
fsr-3421	446	1	notes	note	VERB
fsr-3421	446	2	1	1	NUM
fsr-3421	446	3	here	here	ADV
fsr-3421	446	4	the	the	DET
fsr-3421	446	5	term	term	NOUN
fsr-3421	446	6	‘	'	PUNCT
fsr-3421	446	7	financial	financial	ADJ
fsr-3421	446	8	advisor	advisor	NOUN
fsr-3421	446	9	’	'	PUNCT
fsr-3421	446	10	encompasses	encompass	VERB
fsr-3421	446	11	numerous	numerous	ADJ
fsr-3421	446	12	consultant	consultant	NOUN
fsr-3421	446	13	categories	category	NOUN
fsr-3421	446	14	(	(	PUNCT
fsr-3421	446	15	financial	financial	ADJ
fsr-3421	446	16	advisors	advisor	NOUN
fsr-3421	446	17	,	,	PUNCT
fsr-3421	446	18	financial	financial	ADJ
fsr-3421	446	19	planners	planner	NOUN
fsr-3421	446	20	,	,	PUNCT
fsr-3421	446	21	brokers	broker	NOUN
fsr-3421	446	22	etc	etc	X
fsr-3421	446	23	.	.	PUNCT
fsr-3421	446	24	)	)	PUNCT
fsr-3421	446	25	.	.	PUNCT
fsr-3421	447	1	the	the	DET
fsr-3421	447	2	encapsulation	encapsulation	NOUN
fsr-3421	447	3	of	of	ADP
fsr-3421	447	4	what	what	PRON
fsr-3421	447	5	a	a	DET
fsr-3421	447	6	financial	financial	ADJ
fsr-3421	447	7	advisor	advisor	NOUN
fsr-3421	447	8	is	be	AUX
fsr-3421	447	9	,	,	PUNCT
fsr-3421	447	10	is	be	AUX
fsr-3421	447	11	detailed	detail	VERB
fsr-3421	447	12	in	in	ADP
fsr-3421	447	13	a	a	DET
fsr-3421	447	14	later	later	ADJ
fsr-3421	447	15	section	section	NOUN
fsr-3421	447	16	.	.	PUNCT
fsr-3421	448	1	2	2	NUM
fsr-3421	448	2	see	see	VERB
fsr-3421	448	3	justice	justice	PROPN
fsr-3421	448	4	jacobsen	jacobsen	PROPN
fsr-3421	448	5	’s	’s	PART
fsr-3421	448	6	interpretation	interpretation	NOUN
fsr-3421	448	7	draws	draw	VERB
fsr-3421	448	8	from	from	ADP
fsr-3421	448	9	finn	finn	PROPN
fsr-3421	448	10	(	(	PUNCT
fsr-3421	448	11	1989	1989	NUM
fsr-3421	448	12	:	:	PUNCT
fsr-3421	448	13	46	46	NUM
fsr-3421	448	14	-	-	SYM
fsr-3421	448	15	47	47	NUM
fsr-3421	448	16	,	,	PUNCT
fsr-3421	448	17	cited	cite	VERB
fsr-3421	448	18	in	in	ADP
fsr-3421	448	19	australian	australian	ADJ
fsr-3421	448	20	securities	security	NOUN
fsr-3421	448	21	and	and	CCONJ
fsr-3421	448	22	investments	investment	NOUN
fsr-3421	448	23	commission	commission	PROPN
fsr-3421	448	24	v	v	ADP
fsr-3421	448	25	citigroup	citigroup	PROPN
fsr-3421	448	26	global	global	ADJ
fsr-3421	448	27	markets	market	NOUN
fsr-3421	448	28	australia	australia	PROPN
fsr-3421	448	29	pty	pty	PROPN
fsr-3421	448	30	limited	limited	PROPN
fsr-3421	448	31	(	(	PUNCT
fsr-3421	448	32	acn	acn	PROPN
fsr-3421	448	33	113	113	NUM
fsr-3421	448	34	114	114	NUM
fsr-3421	448	35	832	832	NUM
fsr-3421	448	36	)	)	PUNCT
fsr-3421	448	37	(	(	PUNCT
fsr-3421	448	38	no	no	INTJ
fsr-3421	448	39	.	.	NOUN
fsr-3421	448	40	4	4	NUM
fsr-3421	448	41	)	)	PUNCT
fsr-3421	449	1	[	[	X
fsr-3421	449	2	2007	2007	NUM
fsr-3421	449	3	]	]	X
fsr-3421	449	4	fca	fca	PROPN
fsr-3421	449	5	963	963	NUM
fsr-3421	449	6	at	at	ADP
fsr-3421	449	7	274	274	NUM
fsr-3421	449	8	)	)	PUNCT
fsr-3421	449	9	.	.	PUNCT
fsr-3421	450	1	3	3	NUM
fsr-3421	450	2	these	these	DET
fsr-3421	450	3	websites	website	NOUN
fsr-3421	450	4	are	be	AUX
fsr-3421	450	5	www.yellowpages.com.au	www.yellowpages.com.au	NOUN
fsr-3421	450	6	,	,	PUNCT
fsr-3421	450	7	https://fpa.com.au/	https://fpa.com.au/	PROPN
fsr-3421	450	8	;	;	PUNCT
fsr-3421	450	9	and	and	CCONJ
fsr-3421	450	10	www.afa	www.afa	PROPN
fsr-3421	450	11	.	.	PUNCT
fsr-3421	451	1	asn.au/find-afa-financial-adviser	asn.au/find-afa-financial-adviser	ADV
fsr-3421	451	2	,	,	PUNCT
fsr-3421	451	3	respectively	respectively	ADV
fsr-3421	451	4	.	.	PUNCT
fsr-3421	452	1	d.	d.	PROPN
fsr-3421	452	2	w.	w.	PROPN
fsr-3421	452	3	richards	richards	PROPN
fsr-3421	452	4	,	,	PUNCT
fsr-3421	452	5	e.	e.	PROPN
fsr-3421	452	6	f.	f.	PROPN
fsr-3421	452	7	morton	morton	PROPN
fsr-3421	452	8	/	/	SYM
fsr-3421	452	9	financial	financial	ADJ
fsr-3421	452	10	services	service	NOUN
fsr-3421	452	11	review	review	VERB
fsr-3421	452	12	28	28	NUM
fsr-3421	452	13	(	(	PUNCT
fsr-3421	452	14	2020	2020	NUM
fsr-3421	452	15	)	)	PUNCT
fsr-3421	452	16	133–158	133–158	NUM
fsr-3421	452	17	153	153	NUM
fsr-3421	452	18	appendix	appendix	NOUN
fsr-3421	452	19	1	1	NUM
fsr-3421	452	20	overview	overview	NOUN
fsr-3421	452	21	of	of	ADP
fsr-3421	452	22	data	datum	NOUN
fsr-3421	452	23	used	use	VERB
fsr-3421	452	24	for	for	ADP
fsr-3421	452	25	analysis	analysis	NOUN
fsr-3421	452	26	table	table	NOUN
fsr-3421	452	27	1	1	NUM
fsr-3421	452	28	parliamentary	parliamentary	ADJ
fsr-3421	452	29	joint	joint	ADJ
fsr-3421	452	30	committee	committee	NOUN
fsr-3421	452	31	on	on	ADP
fsr-3421	452	32	corporations	corporation	NOUN
fsr-3421	452	33	and	and	CCONJ
fsr-3421	452	34	financial	financial	ADJ
fsr-3421	452	35	services	service	NOUN
fsr-3421	452	36	pjccfs	pjccfs	ADJ
fsr-3421	452	37	inquiry	inquiry	NOUN
fsr-3421	452	38	reports	report	NOUN
fsr-3421	452	39	and	and	CCONJ
fsr-3421	452	40	royal	royal	ADJ
fsr-3421	452	41	commission	commission	PROPN
fsr-3421	452	42	reports	report	NOUN
fsr-3421	452	43	into	into	ADP
fsr-3421	452	44	misconduct	misconduct	NOUN
fsr-3421	452	45	in	in	ADP
fsr-3421	452	46	the	the	DET
fsr-3421	452	47	banking	banking	NOUN
fsr-3421	452	48	,	,	PUNCT
fsr-3421	452	49	superannuation	superannuation	NOUN
fsr-3421	452	50	and	and	CCONJ
fsr-3421	452	51	financial	financial	ADJ
fsr-3421	452	52	services	service	NOUN
fsr-3421	452	53	industry	industry	NOUN
fsr-3421	452	54	reports	report	NOUN
fsr-3421	452	55	reviewed	review	VERB
fsr-3421	452	56	for	for	ADP
fsr-3421	452	57	this	this	DET
fsr-3421	452	58	research	research	NOUN
fsr-3421	452	59	report	report	NOUN
fsr-3421	452	60	number	number	NOUN
fsr-3421	452	61	citation	citation	NOUN
fsr-3421	452	62	submissions	submission	NOUN
fsr-3421	452	63	pages	page	NOUN
fsr-3421	452	64	report	report	VERB
fsr-3421	452	65	name	name	NOUN
fsr-3421	452	66	1	1	NUM
fsr-3421	452	67	hayne	hayne	NOUN
fsr-3421	452	68	(	(	PUNCT
fsr-3421	452	69	2019	2019	NUM
fsr-3421	452	70	)	)	PUNCT
fsr-3421	452	71	10,323	10,323	NUM
fsr-3421	452	72	530	530	NUM
fsr-3421	452	73	final	final	ADJ
fsr-3421	452	74	report	report	NOUN
fsr-3421	452	75	royal	royal	PROPN
fsr-3421	452	76	commission	commission	PROPN
fsr-3421	452	77	into	into	ADP
fsr-3421	452	78	misconduct	misconduct	NOUN
fsr-3421	452	79	in	in	ADP
fsr-3421	452	80	the	the	DET
fsr-3421	452	81	banking	banking	NOUN
fsr-3421	452	82	,	,	PUNCT
fsr-3421	452	83	superannuation	superannuation	NOUN
fsr-3421	452	84	and	and	CCONJ
fsr-3421	452	85	financial	financial	ADJ
fsr-3421	452	86	services	service	NOUN
fsr-3421	452	87	industry	industry	NOUN
fsr-3421	452	88	volume	volume	NOUN
fsr-3421	452	89	1	1	NUM
fsr-3421	452	90	2	2	NUM
fsr-3421	452	91	hayne	hayne	NOUN
fsr-3421	452	92	(	(	PUNCT
fsr-3421	452	93	2018	2018	NUM
fsr-3421	452	94	)	)	PUNCT
fsr-3421	452	95	375	375	NUM
fsr-3421	452	96	interim	interim	ADJ
fsr-3421	452	97	report	report	NOUN
fsr-3421	452	98	royal	royal	PROPN
fsr-3421	452	99	commission	commission	PROPN
fsr-3421	452	100	into	into	ADP
fsr-3421	452	101	misconduct	misconduct	NOUN
fsr-3421	452	102	in	in	ADP
fsr-3421	452	103	the	the	DET
fsr-3421	452	104	banking	banking	NOUN
fsr-3421	452	105	,	,	PUNCT
fsr-3421	452	106	superannuation	superannuation	NOUN
fsr-3421	452	107	and	and	CCONJ
fsr-3421	452	108	financial	financial	ADJ
fsr-3421	452	109	services	service	NOUN
fsr-3421	452	110	industry	industry	NOUN
fsr-3421	452	111	volume	volume	NOUN
fsr-3421	452	112	1	1	NUM
fsr-3421	452	113	3	3	NUM
fsr-3421	452	114	pjccfs	pjccfs	NOUN
fsr-3421	452	115	(	(	PUNCT
fsr-3421	452	116	2014	2014	NUM
fsr-3421	452	117	)	)	PUNCT
fsr-3421	452	118	39	39	NUM
fsr-3421	452	119	103	103	NUM
fsr-3421	452	120	inquiry	inquiry	NOUN
fsr-3421	452	121	into	into	ADP
fsr-3421	452	122	proposals	proposal	NOUN
fsr-3421	452	123	to	to	PART
fsr-3421	452	124	lift	lift	VERB
fsr-3421	452	125	the	the	DET
fsr-3421	452	126	professional	professional	ADJ
fsr-3421	452	127	,	,	PUNCT
fsr-3421	452	128	ethical	ethical	ADJ
fsr-3421	452	129	and	and	CCONJ
fsr-3421	452	130	education	education	NOUN
fsr-3421	452	131	standards	standard	NOUN
fsr-3421	452	132	in	in	ADP
fsr-3421	452	133	the	the	DET
fsr-3421	452	134	financial	financial	ADJ
fsr-3421	452	135	services	service	NOUN
fsr-3421	452	136	industry	industry	NOUN
fsr-3421	452	137	2014	2014	NUM
fsr-3421	452	138	4	4	NUM
fsr-3421	452	139	pjccfs	pjccfs	NOUN
fsr-3421	452	140	(	(	PUNCT
fsr-3421	452	141	2012b	2012b	NOUN
fsr-3421	452	142	)	)	PUNCT
fsr-3421	452	143	77	77	NUM
fsr-3421	452	144	204	204	NUM
fsr-3421	452	145	inquiry	inquiry	NOUN
fsr-3421	452	146	into	into	ADP
fsr-3421	452	147	the	the	DET
fsr-3421	452	148	collapse	collapse	NOUN
fsr-3421	452	149	of	of	ADP
fsr-3421	452	150	trio	trio	ADJ
fsr-3421	452	151	capital	capital	NOUN
fsr-3421	452	152	5	5	NUM
fsr-3421	452	153	pjccfs	pjccfs	NOUN
fsr-3421	452	154	(	(	PUNCT
fsr-3421	452	155	2012a	2012a	NUM
fsr-3421	452	156	)	)	PUNCT
fsr-3421	452	157	69	69	NUM
fsr-3421	452	158	220	220	NUM
fsr-3421	452	159	corporations	corporation	NOUN
fsr-3421	452	160	amendment	amendment	NOUN
fsr-3421	452	161	(	(	PUNCT
fsr-3421	452	162	future	future	NOUN
fsr-3421	452	163	of	of	ADP
fsr-3421	452	164	financial	financial	ADJ
fsr-3421	452	165	advice	advice	NOUN
fsr-3421	452	166	)	)	PUNCT
fsr-3421	452	167	bill	bill	NOUN
fsr-3421	452	168	2011	2011	NUM
fsr-3421	452	169	and	and	CCONJ
fsr-3421	452	170	corporations	corporation	NOUN
fsr-3421	452	171	amendment	amendment	NOUN
fsr-3421	452	172	(	(	PUNCT
fsr-3421	452	173	further	further	ADJ
fsr-3421	452	174	future	future	NOUN
fsr-3421	452	175	of	of	ADP
fsr-3421	452	176	financial	financial	ADJ
fsr-3421	452	177	advice	advice	NOUN
fsr-3421	452	178	measures	measure	NOUN
fsr-3421	452	179	)	)	PUNCT
fsr-3421	452	180	bill	bill	NOUN
fsr-3421	452	181	2011	2011	NUM
fsr-3421	452	182	6	6	NUM
fsr-3421	452	183	pjccfs	pjccfs	NOUN
fsr-3421	452	184	(	(	PUNCT
fsr-3421	452	185	2009	2009	NUM
fsr-3421	452	186	)	)	PUNCT
fsr-3421	452	187	407	407	NUM
fsr-3421	452	188	209	209	NUM
fsr-3421	452	189	inquiry	inquiry	NOUN
fsr-3421	452	190	into	into	ADP
fsr-3421	452	191	financial	financial	ADJ
fsr-3421	452	192	products	product	NOUN
fsr-3421	452	193	and	and	CCONJ
fsr-3421	452	194	services	service	NOUN
fsr-3421	452	195	in	in	ADP
fsr-3421	452	196	australia	australia	PROPN
fsr-3421	452	197	7	7	NUM
fsr-3421	452	198	pjccfs	pjccfs	NOUN
fsr-3421	452	199	(	(	PUNCT
fsr-3421	452	200	2003	2003	NUM
fsr-3421	452	201	)	)	PUNCT
fsr-3421	452	202	49	49	NUM
fsr-3421	452	203	86	86	NUM
fsr-3421	452	204	inquiry	inquiry	NOUN
fsr-3421	452	205	into	into	ADP
fsr-3421	452	206	the	the	DET
fsr-3421	452	207	disclosure	disclosure	NOUN
fsr-3421	452	208	of	of	ADP
fsr-3421	452	209	commissions	commission	NOUN
fsr-3421	452	210	on	on	ADP
fsr-3421	452	211	risk	risk	NOUN
fsr-3421	452	212	products	product	NOUN
fsr-3421	452	213	table	table	NOUN
fsr-3421	452	214	2	2	NUM
fsr-3421	452	215	overview	overview	NOUN
fsr-3421	452	216	of	of	ADP
fsr-3421	452	217	the	the	DET
fsr-3421	452	218	in	in	ADP
fsr-3421	452	219	-	-	PUNCT
fsr-3421	452	220	depth	depth	NOUN
fsr-3421	452	221	interviews	interview	NOUN
fsr-3421	452	222	interview	interview	NOUN
fsr-3421	452	223	number	number	NOUN
fsr-3421	452	224	duration	duration	NOUN
fsr-3421	452	225	(	(	PUNCT
fsr-3421	452	226	hh	hh	PROPN
fsr-3421	452	227	:	:	PUNCT
fsr-3421	452	228	mm	mm	ADJ
fsr-3421	452	229	:	:	PUNCT
fsr-3421	452	230	ss	ss	ADJ
fsr-3421	452	231	)	)	PUNCT
fsr-3421	452	232	experience	experience	NOUN
fsr-3421	452	233	in	in	ADP
fsr-3421	452	234	financial	financial	ADJ
fsr-3421	452	235	services	service	NOUN
fsr-3421	452	236	position	position	NOUN
fsr-3421	452	237	company	company	NOUN
fsr-3421	452	238	size	size	NOUN
fsr-3421	452	239	1	1	NUM
fsr-3421	452	240	00:53:24	00:53:24	NUM
fsr-3421	452	241	12	12	NUM
fsr-3421	452	242	years	year	NOUN
fsr-3421	452	243	financial	financial	ADJ
fsr-3421	452	244	planner	planner	NOUN
fsr-3421	452	245	large	large	ADJ
fsr-3421	452	246	corporation	corporation	NOUN
fsr-3421	452	247	1000	1000	NUM
fsr-3421	452	248	+	+	NUM
fsr-3421	452	249	employees	employee	NOUN
fsr-3421	452	250	2	2	NUM
fsr-3421	452	251	01:12:05	01:12:05	NUM
fsr-3421	452	252	29	29	NUM
fsr-3421	452	253	years	year	NOUN
fsr-3421	452	254	financial	financial	ADJ
fsr-3421	452	255	ombudsman	ombudsman	NOUN
fsr-3421	452	256	representative	representative	NOUN
fsr-3421	452	257	/	/	SYM
fsr-3421	452	258	financial	financial	ADJ
fsr-3421	452	259	planner	planner	NOUN
fsr-3421	452	260	boutique	boutique	NOUN
fsr-3421	452	261	0–5	0–5	NUM
fsr-3421	452	262	employees	employee	NOUN
fsr-3421	452	263	3	3	NUM
fsr-3421	452	264	00:51:55	00:51:55	NUM
fsr-3421	452	265	17	17	NUM
fsr-3421	452	266	years	year	NOUN
fsr-3421	452	267	financial	financial	ADJ
fsr-3421	452	268	planner	planner	NOUN
fsr-3421	452	269	/	/	SYM
fsr-3421	452	270	partner	partner	NOUN
fsr-3421	452	271	medium	medium	NOUN
fsr-3421	452	272	firm	firm	NOUN
fsr-3421	452	273	150	150	NUM
fsr-3421	452	274	+	+	NUM
fsr-3421	452	275	employees	employee	NOUN
fsr-3421	452	276	4	4	NUM
fsr-3421	452	277	01:09:01	01:09:01	NUM
fsr-3421	452	278	16	16	NUM
fsr-3421	452	279	years	year	NOUN
fsr-3421	452	280	governance	governance	NOUN
fsr-3421	452	281	director	director	NOUN
fsr-3421	452	282	medium	medium	ADJ
fsr-3421	452	283	firm	firm	NOUN
fsr-3421	452	284	150	150	NUM
fsr-3421	452	285	+	+	NUM
fsr-3421	452	286	employees	employee	NOUN
fsr-3421	452	287	5	5	NUM
fsr-3421	452	288	01:03:39	01:03:39	NUM
fsr-3421	452	289	10	10	NUM
fsr-3421	452	290	years	year	NOUN
fsr-3421	452	291	business	business	NOUN
fsr-3421	452	292	owner	owner	NOUN
fsr-3421	452	293	/	/	SYM
fsr-3421	452	294	financial	financial	ADJ
fsr-3421	452	295	planner	planner	NOUN
fsr-3421	452	296	boutique	boutique	NOUN
fsr-3421	452	297	0–5	0–5	NUM
fsr-3421	452	298	employees	employee	NOUN
fsr-3421	452	299	6	6	NUM
fsr-3421	452	300	01:03:41	01:03:41	NUM
fsr-3421	452	301	5	5	NUM
fsr-3421	452	302	years	year	NOUN
fsr-3421	452	303	financial	financial	ADJ
fsr-3421	452	304	planner	planner	NOUN
fsr-3421	452	305	large	large	ADJ
fsr-3421	452	306	corporation	corporation	NOUN
fsr-3421	452	307	50,000	50,000	NUM
fsr-3421	452	308	+	+	NUM
fsr-3421	452	309	employees	employee	NOUN
fsr-3421	452	310	7	7	NUM
fsr-3421	452	311	00:38:25	00:38:25	NUM
fsr-3421	452	312	17	17	NUM
fsr-3421	452	313	years	year	NOUN
fsr-3421	452	314	business	business	NOUN
fsr-3421	452	315	owner	owner	NOUN
fsr-3421	452	316	/	/	SYM
fsr-3421	452	317	financial	financial	ADJ
fsr-3421	452	318	planner	planner	NOUN
fsr-3421	452	319	small	small	ADJ
fsr-3421	452	320	firm	firm	NOUN
fsr-3421	452	321	5–50	5–50	PROPN
fsr-3421	452	322	employees	employee	NOUN
fsr-3421	452	323	8	8	NUM
fsr-3421	452	324	00:46:36	00:46:36	NUM
fsr-3421	452	325	28	28	NUM
fsr-3421	452	326	years	year	NOUN
fsr-3421	452	327	business	business	NOUN
fsr-3421	452	328	owner	owner	NOUN
fsr-3421	452	329	/	/	SYM
fsr-3421	452	330	financial	financial	ADJ
fsr-3421	452	331	planner	planner	NOUN
fsr-3421	452	332	boutique	boutique	NOUN
fsr-3421	452	333	0–5	0–5	NUM
fsr-3421	452	334	employees	employee	NOUN
fsr-3421	452	335	9	9	NUM
fsr-3421	452	336	00:33:43	00:33:43	NUM
fsr-3421	452	337	14	14	NUM
fsr-3421	452	338	years	year	NOUN
fsr-3421	452	339	financial	financial	ADJ
fsr-3421	452	340	planner	planner	NOUN
fsr-3421	452	341	boutique	boutique	NOUN
fsr-3421	452	342	0–5	0–5	NUM
fsr-3421	452	343	employees	employee	NOUN
fsr-3421	452	344	154	154	NUM
fsr-3421	452	345	d.	d.	PROPN
fsr-3421	452	346	w.	w.	PROPN
fsr-3421	452	347	richards	richards	PROPN
fsr-3421	452	348	,	,	PUNCT
fsr-3421	452	349	e.	e.	PROPN
fsr-3421	452	350	f.	f.	PROPN
fsr-3421	452	351	morton	morton	PROPN
fsr-3421	452	352	/	/	SYM
fsr-3421	452	353	financial	financial	ADJ
fsr-3421	452	354	services	service	NOUN
fsr-3421	452	355	review	review	VERB
fsr-3421	452	356	28	28	NUM
fsr-3421	452	357	(	(	PUNCT
fsr-3421	452	358	2020	2020	NUM
fsr-3421	452	359	)	)	PUNCT
fsr-3421	453	1	133–158	133–158	NUM
fsr-3421	453	2	t	t	PROPN
fsr-3421	453	3	ab	ab	X
fsr-3421	453	4	le	le	X
fsr-3421	453	5	3	3	X
fsr-3421	453	6	s	s	VERB
fsr-3421	453	7	em	em	PRON
fsr-3421	454	1	i	i	PROPN
fsr-3421	454	2	st	st	PROPN
fsr-3421	455	1	ru	ru	PROPN
fsr-3421	455	2	ct	ct	PROPN
fsr-3421	455	3	u	u	PROPN
fsr-3421	455	4	re	re	ADP
fsr-3421	455	5	d	d	PROPN
fsr-3421	455	6	in	in	ADP
fsr-3421	455	7	te	te	PROPN
fsr-3421	455	8	rv	rv	PROPN
fsr-3421	455	9	ie	ie	X
fsr-3421	455	10	w	w	PROPN
fsr-3421	455	11	q	q	X
fsr-3421	455	12	u	u	NOUN
fsr-3421	455	13	es	es	X
fsr-3421	455	14	ti	ti	NOUN
fsr-3421	455	15	o	o	NOUN
fsr-3421	455	16	n	n	X
fsr-3421	455	17	s	s	X
fsr-3421	455	18	in	in	ADP
fsr-3421	455	19	tr	tr	NOUN
fsr-3421	455	20	o	o	NOUN
fsr-3421	455	21	d	d	X
fsr-3421	455	22	u	u	X
fsr-3421	455	23	ct	ct	PROPN
fsr-3421	455	24	io	io	PROPN
fsr-3421	455	25	n	n	PROPN
fsr-3421	455	26	–	–	PUNCT
fsr-3421	455	27	e	e	X
fsr-3421	455	28	x	x	X
fsr-3421	455	29	p	p	X
fsr-3421	455	30	la	la	PROPN
fsr-3421	455	31	in	in	ADP
fsr-3421	455	32	p	p	X
fsr-3421	455	33	u	u	PROPN
fsr-3421	455	34	rp	rp	NOUN
fsr-3421	455	35	o	o	PROPN
fsr-3421	455	36	se	se	PROPN
fsr-3421	455	37	o	o	PROPN
fsr-3421	456	1	f	f	PROPN
fsr-3421	456	2	in	in	ADP
fsr-3421	456	3	te	te	PROPN
fsr-3421	456	4	rv	rv	PROPN
fsr-3421	456	5	ie	ie	X
fsr-3421	456	6	w	w	PROPN
fsr-3421	456	7	h	h	NOUN
fsr-3421	457	1	o	o	PROPN
fsr-3421	457	2	w	w	PROPN
fsr-3421	457	3	lo	lo	PROPN
fsr-3421	458	1	n	n	CCONJ
fsr-3421	458	2	g	g	NOUN
fsr-3421	458	3	h	h	NOUN
fsr-3421	458	4	av	av	PROPN
fsr-3421	459	1	e	e	PROPN
fsr-3421	459	2	y	y	NOUN
fsr-3421	459	3	o	o	X
fsr-3421	459	4	u	u	PROPN
fsr-3421	459	5	b	b	PROPN
fsr-3421	459	6	ee	ee	ADP
fsr-3421	459	7	n	n	PROPN
fsr-3421	459	8	w	w	NOUN
fsr-3421	459	9	o	o	NOUN
fsr-3421	459	10	rk	rk	NOUN
fsr-3421	459	11	in	in	ADP
fsr-3421	459	12	g	g	NOUN
fsr-3421	459	13	as	as	ADP
fsr-3421	459	14	a	a	DET
fsr-3421	459	15	fi	fi	NOUN
fsr-3421	459	16	n	n	CCONJ
fsr-3421	459	17	an	an	DET
fsr-3421	459	18	ci	ci	NOUN
fsr-3421	459	19	al	al	PROPN
fsr-3421	459	20	ad	ad	NOUN
fsr-3421	459	21	v	v	NOUN
fsr-3421	459	22	is	be	AUX
fsr-3421	459	23	o	o	NOUN
fsr-3421	459	24	r/	r/	ADV
fsr-3421	459	25	p	p	PROPN
fsr-3421	459	26	la	la	PROPN
fsr-3421	459	27	n	n	CCONJ
fsr-3421	459	28	n	n	ADV
fsr-3421	459	29	er	er	INTJ
fsr-3421	459	30	?	?	PUNCT
fsr-3421	460	1	w	w	NOUN
fsr-3421	460	2	h	h	NOUN
fsr-3421	460	3	at	at	ADP
fsr-3421	460	4	p	p	X
fsr-3421	461	1	ro	ro	PROPN
fsr-3421	461	2	d	d	X
fsr-3421	461	3	u	u	X
fsr-3421	462	1	ct	ct	NOUN
fsr-3421	462	2	s	s	PROPN
fsr-3421	462	3	d	d	X
fsr-3421	462	4	o	o	X
fsr-3421	462	5	y	y	X
fsr-3421	462	6	o	o	X
fsr-3421	462	7	u	u	NOUN
fsr-3421	462	8	ad	ad	NOUN
fsr-3421	462	9	v	v	NOUN
fsr-3421	462	10	is	be	AUX
fsr-3421	462	11	e	e	X
fsr-3421	462	12	o	o	NOUN
fsr-3421	462	13	n	n	ADV
fsr-3421	462	14	?	?	PUNCT
fsr-3421	463	1	in	in	ADP
fsr-3421	463	2	y	y	PROPN
fsr-3421	463	3	o	o	NOUN
fsr-3421	463	4	u	u	NOUN
fsr-3421	463	5	r	r	NOUN
fsr-3421	463	6	o	o	X
fsr-3421	463	7	p	p	NOUN
fsr-3421	463	8	in	in	ADP
fsr-3421	463	9	io	io	X
fsr-3421	463	10	n	n	PROPN
fsr-3421	463	11	,	,	PUNCT
fsr-3421	463	12	w	w	PROPN
fsr-3421	463	13	h	h	NOUN
fsr-3421	463	14	at	at	ADP
fsr-3421	463	15	ar	ar	PROPN
fsr-3421	463	16	e	e	PROPN
fsr-3421	463	17	th	th	X
fsr-3421	463	18	e	e	X
fsr-3421	463	19	q	q	X
fsr-3421	463	20	u	u	X
fsr-3421	463	21	al	al	PROPN
fsr-3421	463	22	it	it	PRON
fsr-3421	463	23	ie	ie	ADV
fsr-3421	463	24	s	s	VERB
fsr-3421	463	25	th	th	X
fsr-3421	463	26	at	at	ADP
fsr-3421	463	27	m	m	PROPN
fsr-3421	463	28	ak	ak	PROPN
fsr-3421	463	29	e	e	PROPN
fsr-3421	463	30	a	a	PRON
fsr-3421	463	31	g	g	NOUN
fsr-3421	463	32	o	o	NOUN
fsr-3421	463	33	o	o	X
fsr-3421	464	1	d	d	X
fsr-3421	464	2	fi	fi	NOUN
fsr-3421	464	3	n	n	CCONJ
fsr-3421	464	4	an	an	DET
fsr-3421	464	5	ci	ci	NOUN
fsr-3421	464	6	al	al	PROPN
fsr-3421	464	7	ad	ad	NOUN
fsr-3421	464	8	v	v	NOUN
fsr-3421	464	9	is	be	AUX
fsr-3421	464	10	o	o	NOUN
fsr-3421	464	11	r/	r/	ADV
fsr-3421	464	12	p	p	PROPN
fsr-3421	464	13	la	la	PROPN
fsr-3421	464	14	n	n	CCONJ
fsr-3421	464	15	n	n	ADV
fsr-3421	464	16	er	er	INTJ
fsr-3421	464	17	?	?	PUNCT
fsr-3421	465	1	w	w	NOUN
fsr-3421	465	2	h	h	NOUN
fsr-3421	465	3	at	at	ADP
fsr-3421	465	4	d	d	X
fsr-3421	465	5	o	o	X
fsr-3421	466	1	y	y	X
fsr-3421	466	2	o	o	X
fsr-3421	466	3	u	u	X
fsr-3421	466	4	u	u	NOUN
fsr-3421	466	5	n	n	PROPN
fsr-3421	466	6	d	d	PROPN
fsr-3421	466	7	er	er	INTJ
fsr-3421	466	8	st	st	PROPN
fsr-3421	467	1	an	an	PRON
fsr-3421	467	2	d	d	PROPN
fsr-3421	467	3	b	b	PROPN
fsr-3421	467	4	y	y	PROPN
fsr-3421	467	5	“	"	PUNCT
fsr-3421	467	6	g	g	PROPN
fsr-3421	467	7	o	o	NOUN
fsr-3421	467	8	v	v	INTJ
fsr-3421	467	9	er	er	INTJ
fsr-3421	467	10	n	n	ADV
fsr-3421	467	11	an	an	DET
fsr-3421	467	12	ce	ce	PROPN
fsr-3421	467	13	”	"	PUNCT
fsr-3421	467	14	o	o	NOUN
fsr-3421	467	15	f	f	X
fsr-3421	467	16	th	th	X
fsr-3421	467	17	e	e	PROPN
fsr-3421	467	18	fi	fi	NOUN
fsr-3421	467	19	n	n	CCONJ
fsr-3421	467	20	an	an	DET
fsr-3421	467	21	ci	ci	NOUN
fsr-3421	467	22	al	al	PROPN
fsr-3421	467	23	ad	ad	PROPN
fsr-3421	467	24	v	v	X
fsr-3421	467	25	ic	ic	PROPN
fsr-3421	467	26	e	e	PROPN
fsr-3421	467	27	in	in	ADP
fsr-3421	467	28	d	d	PROPN
fsr-3421	467	29	u	u	X
fsr-3421	467	30	st	st	PROPN
fsr-3421	467	31	ry	ry	NOUN
fsr-3421	467	32	?	?	PUNCT
fsr-3421	468	1	g	g	NOUN
fsr-3421	468	2	o	o	NOUN
fsr-3421	468	3	v	v	INTJ
fsr-3421	468	4	er	er	INTJ
fsr-3421	468	5	n	n	ADV
fsr-3421	468	6	an	an	PROPN
fsr-3421	468	7	ce	ce	PROPN
fsr-3421	468	8	:	:	PUNCT
fsr-3421	469	1	o	o	X
fsr-3421	469	2	rg	rg	INTJ
fsr-3421	469	3	an	an	DET
fsr-3421	469	4	iz	iz	INTJ
fsr-3421	469	5	at	at	ADP
fsr-3421	469	6	io	io	PROPN
fsr-3421	469	7	n	n	PROPN
fsr-3421	469	8	al	al	PROPN
fsr-3421	469	9	le	le	PROPN
fsr-3421	469	10	v	v	PROPN
fsr-3421	469	11	el	el	PROPN
fsr-3421	469	12	h	h	NOUN
fsr-3421	470	1	o	o	PROPN
fsr-3421	471	1	w	w	NOUN
fsr-3421	471	2	h	h	NOUN
fsr-3421	471	3	av	av	PROPN
fsr-3421	472	1	e	e	NOUN
fsr-3421	472	2	y	y	NOUN
fsr-3421	472	3	o	o	X
fsr-3421	473	1	u	u	X
fsr-3421	473	2	o	o	X
fsr-3421	473	3	r	r	NOUN
fsr-3421	473	4	th	th	X
fsr-3421	473	5	e	e	X
fsr-3421	473	6	o	o	X
fsr-3421	473	7	rg	rg	VERB
fsr-3421	473	8	an	an	DET
fsr-3421	473	9	iz	iz	INTJ
fsr-3421	473	10	at	at	ADP
fsr-3421	473	11	io	io	PROPN
fsr-3421	473	12	n	n	CCONJ
fsr-3421	473	13	y	y	NOUN
fsr-3421	473	14	o	o	X
fsr-3421	473	15	u	u	PROPN
fsr-3421	473	16	w	w	NOUN
fsr-3421	473	17	o	o	NOUN
fsr-3421	473	18	rk	rk	NOUN
fsr-3421	473	19	fo	fo	ADP
fsr-3421	473	20	r	r	NOUN
fsr-3421	473	21	ad	ad	NOUN
fsr-3421	474	1	o	o	NOUN
fsr-3421	474	2	p	p	X
fsr-3421	474	3	te	te	PROPN
fsr-3421	474	4	d	d	X
fsr-3421	474	5	th	th	X
fsr-3421	474	6	es	es	X
fsr-3421	474	7	e	e	X
fsr-3421	474	8	n	n	NOUN
fsr-3421	474	9	ew	ew	INTJ
fsr-3421	474	10	g	g	PROPN
fsr-3421	474	11	o	o	NOUN
fsr-3421	474	12	v	v	INTJ
fsr-3421	474	13	er	er	INTJ
fsr-3421	474	14	n	n	ADV
fsr-3421	474	15	an	an	DET
fsr-3421	474	16	ce	ce	PROPN
fsr-3421	474	17	re	re	ADP
fsr-3421	474	18	fo	fo	ADP
fsr-3421	474	19	rm	rm	PROPN
fsr-3421	474	20	s	s	PROPN
fsr-3421	474	21	at	at	ADP
fsr-3421	474	22	th	th	X
fsr-3421	474	23	e	e	X
fsr-3421	474	24	o	o	X
fsr-3421	474	25	rg	rg	VERB
fsr-3421	474	26	an	an	DET
fsr-3421	474	27	iz	iz	INTJ
fsr-3421	474	28	ati	ati	NOUN
fsr-3421	474	29	o	o	NOUN
fsr-3421	474	30	n	n	PROPN
fsr-3421	474	31	al	al	PROPN
fsr-3421	474	32	le	le	PROPN
fsr-3421	474	33	v	v	PROPN
fsr-3421	474	34	el	el	PROPN
fsr-3421	474	35	?	?	PUNCT
fsr-3421	475	1	w	w	PROPN
fsr-3421	475	2	h	h	NOUN
fsr-3421	475	3	at	at	ADP
fsr-3421	475	4	m	m	PROPN
fsr-3421	475	5	ec	ec	PROPN
fsr-3421	475	6	h	h	NOUN
fsr-3421	476	1	an	an	PRON
fsr-3421	476	2	is	be	AUX
fsr-3421	476	3	m	m	PROPN
fsr-3421	476	4	s	s	NOUN
fsr-3421	476	5	ar	ar	NOUN
fsr-3421	476	6	e	e	X
fsr-3421	476	7	th	th	PROPN
fsr-3421	476	8	er	er	INTJ
fsr-3421	476	9	e	e	PROPN
fsr-3421	476	10	in	in	ADP
fsr-3421	476	11	p	p	PROPN
fsr-3421	476	12	la	la	PROPN
fsr-3421	476	13	ce	ce	PROPN
fsr-3421	476	14	to	to	ADP
fsr-3421	476	15	en	en	PROPN
fsr-3421	476	16	su	su	PROPN
fsr-3421	476	17	re	re	X
fsr-3421	476	18	th	th	X
fsr-3421	476	19	es	es	X
fsr-3421	476	20	e	e	NOUN
fsr-3421	476	21	re	re	ADP
fsr-3421	476	22	fo	fo	ADP
fsr-3421	476	23	rm	rm	PROPN
fsr-3421	476	24	s	s	PROPN
fsr-3421	476	25	ar	ar	PROPN
fsr-3421	476	26	e	e	PROPN
fsr-3421	476	27	co	co	NOUN
fsr-3421	476	28	m	m	PROPN
fsr-3421	476	29	p	p	PROPN
fsr-3421	476	30	li	li	PROPN
fsr-3421	476	31	ed	ed	PROPN
fsr-3421	476	32	w	w	PROPN
fsr-3421	477	1	it	it	PRON
fsr-3421	478	1	h	h	NOUN
fsr-3421	478	2	?	?	PUNCT
fsr-3421	479	1	g	g	NOUN
fsr-3421	479	2	o	o	NOUN
fsr-3421	479	3	v	v	INTJ
fsr-3421	479	4	er	er	INTJ
fsr-3421	479	5	n	n	ADV
fsr-3421	479	6	an	an	PROPN
fsr-3421	479	7	ce	ce	PROPN
fsr-3421	479	8	:	:	PUNCT
fsr-3421	480	1	l	l	PROPN
fsr-3421	480	2	ic	ic	PROPN
fsr-3421	480	3	en	en	PROPN
fsr-3421	480	4	se	se	X
fsr-3421	480	5	(	(	PUNCT
fsr-3421	480	6	d	d	PROPN
fsr-3421	480	7	ea	ea	X
fsr-3421	480	8	le	le	ADP
fsr-3421	480	9	r	r	NOUN
fsr-3421	480	10	g	g	PROPN
fsr-3421	480	11	ro	ro	NOUN
fsr-3421	480	12	u	u	NOUN
fsr-3421	480	13	p	p	PROPN
fsr-3421	480	14	if	if	SCONJ
fsr-3421	480	15	se	se	PROPN
fsr-3421	480	16	p	p	PROPN
fsr-3421	480	17	ar	ar	PROPN
fsr-3421	480	18	at	at	ADP
fsr-3421	480	19	e	e	X
fsr-3421	480	20	fr	fr	NOUN
fsr-3421	480	21	o	o	VERB
fsr-3421	480	22	m	m	VERB
fsr-3421	480	23	th	th	X
fsr-3421	480	24	e	e	X
fsr-3421	480	25	o	o	X
fsr-3421	480	26	rg	rg	VERB
fsr-3421	480	27	an	an	DET
fsr-3421	480	28	iz	iz	NOUN
fsr-3421	480	29	at	at	ADP
fsr-3421	480	30	io	io	PROPN
fsr-3421	480	31	n	n	ADV
fsr-3421	480	32	)	)	PUNCT
fsr-3421	480	33	c	c	PROPN
fsr-3421	480	34	an	an	DET
fsr-3421	480	35	y	y	NOUN
fsr-3421	480	36	o	o	X
fsr-3421	480	37	u	u	NOUN
fsr-3421	480	38	o	o	X
fsr-3421	480	39	u	u	X
fsr-3421	480	40	tl	tl	PROPN
fsr-3421	480	41	in	in	ADP
fsr-3421	480	42	e	e	PROPN
fsr-3421	480	43	y	y	PROPN
fsr-3421	480	44	o	o	X
fsr-3421	480	45	u	u	NOUN
fsr-3421	480	46	r	r	PROPN
fsr-3421	480	47	li	li	PROPN
fsr-3421	480	48	ce	ce	PROPN
fsr-3421	480	49	n	n	PROPN
fsr-3421	480	50	si	si	PROPN
fsr-3421	480	51	n	n	ADV
fsr-3421	480	52	g	g	PROPN
fsr-3421	480	53	(	(	PUNCT
fsr-3421	480	54	d	d	PROPN
fsr-3421	480	55	ea	ea	X
fsr-3421	480	56	le	le	ADP
fsr-3421	480	57	r	r	NOUN
fsr-3421	480	58	g	g	PROPN
fsr-3421	480	59	ro	ro	NOUN
fsr-3421	480	60	u	u	PROPN
fsr-3421	480	61	p	p	PROPN
fsr-3421	480	62	)	)	PUNCT
fsr-3421	480	63	ar	ar	PROPN
fsr-3421	480	64	ra	ra	PROPN
fsr-3421	480	65	n	n	ADV
fsr-3421	480	66	g	g	PROPN
fsr-3421	480	67	em	em	PRON
fsr-3421	480	68	en	en	PROPN
fsr-3421	480	69	t	t	PROPN
fsr-3421	480	70	?	?	PUNCT
fsr-3421	481	1	w	w	PROPN
fsr-3421	481	2	h	h	NOUN
fsr-3421	481	3	at	at	ADP
fsr-3421	481	4	ar	ar	PROPN
fsr-3421	481	5	e	e	PROPN
fsr-3421	481	6	y	y	PROPN
fsr-3421	481	7	o	o	X
fsr-3421	481	8	u	u	NOUN
fsr-3421	481	9	r	r	NOUN
fsr-3421	481	10	v	v	NOUN
fsr-3421	481	11	ie	ie	PROPN
fsr-3421	481	12	w	w	PROPN
fsr-3421	481	13	s	s	PROPN
fsr-3421	481	14	o	o	NOUN
fsr-3421	481	15	n	n	ADV
fsr-3421	481	16	th	th	X
fsr-3421	481	17	e	e	X
fsr-3421	481	18	cu	cu	PROPN
fsr-3421	481	19	rr	rr	PROPN
fsr-3421	481	20	en	en	PROPN
fsr-3421	481	21	t	t	PROPN
fsr-3421	481	22	m	m	VERB
fsr-3421	481	23	et	et	NOUN
fsr-3421	481	24	h	h	NOUN
fsr-3421	482	1	o	o	NOUN
fsr-3421	483	1	d	d	X
fsr-3421	483	2	o	o	X
fsr-3421	483	3	f	f	PROPN
fsr-3421	483	4	li	li	PROPN
fsr-3421	483	5	ce	ce	PROPN
fsr-3421	483	6	n	n	PROPN
fsr-3421	483	7	si	si	PROPN
fsr-3421	483	8	n	n	CCONJ
fsr-3421	483	9	g	g	NOUN
fsr-3421	483	10	fo	fo	ADP
fsr-3421	483	11	r	r	NOUN
fsr-3421	483	12	fi	fi	NOUN
fsr-3421	483	13	n	n	CCONJ
fsr-3421	483	14	an	an	DET
fsr-3421	483	15	ci	ci	NOUN
fsr-3421	483	16	al	al	PROPN
fsr-3421	483	17	p	p	PROPN
fsr-3421	483	18	la	la	PROPN
fsr-3421	483	19	n	n	CCONJ
fsr-3421	483	20	n	n	ADV
fsr-3421	483	21	er	er	INTJ
fsr-3421	483	22	s/	s/	VERB
fsr-3421	483	23	ad	ad	NOUN
fsr-3421	483	24	v	v	NOUN
fsr-3421	483	25	is	be	AUX
fsr-3421	483	26	o	o	NOUN
fsr-3421	483	27	rs	rs	NOUN
fsr-3421	483	28	?	?	PUNCT
fsr-3421	484	1	if	if	SCONJ
fsr-3421	484	2	th	th	X
fsr-3421	484	3	ey	ey	PRON
fsr-3421	484	4	ar	ar	PROPN
fsr-3421	484	5	e	e	NOUN
fsr-3421	484	6	o	o	NOUN
fsr-3421	484	7	r	r	NOUN
fsr-3421	484	8	ar	ar	PROPN
fsr-3421	484	9	e	e	PROPN
fsr-3421	484	10	n	n	CCONJ
fsr-3421	484	11	o	o	PROPN
fsr-3421	484	12	t	t	X
fsr-3421	484	13	ef	ef	X
fsr-3421	484	14	fe	fe	X
fsr-3421	484	15	ct	ct	NUM
fsr-3421	484	16	iv	iv	NUM
fsr-3421	484	17	e	e	NOUN
fsr-3421	484	18	,	,	PUNCT
fsr-3421	484	19	p	p	NOUN
fsr-3421	484	20	le	le	PROPN
fsr-3421	484	21	as	as	ADP
fsr-3421	484	22	e	e	X
fsr-3421	484	23	ex	ex	X
fsr-3421	484	24	p	p	X
fsr-3421	484	25	la	la	PROPN
fsr-3421	484	26	in	in	ADP
fsr-3421	484	27	w	w	PROPN
fsr-3421	484	28	h	h	PROPN
fsr-3421	484	29	y	y	PROPN
fsr-3421	484	30	?	?	PUNCT
fsr-3421	485	1	w	w	PRON
fsr-3421	485	2	h	h	NOUN
fsr-3421	485	3	at	at	ADP
fsr-3421	485	4	d	d	X
fsr-3421	485	5	o	o	X
fsr-3421	486	1	y	y	X
fsr-3421	486	2	o	o	X
fsr-3421	486	3	u	u	PROPN
fsr-3421	486	4	b	b	PROPN
fsr-3421	486	5	el	el	PROPN
fsr-3421	486	6	ie	ie	PROPN
fsr-3421	486	7	v	v	X
fsr-3421	486	8	e	e	PROPN
fsr-3421	486	9	w	w	NOUN
fsr-3421	486	10	o	o	X
fsr-3421	486	11	u	u	NOUN
fsr-3421	486	12	ld	ld	PROPN
fsr-3421	486	13	i	i	PRON
fsr-3421	486	14	m	m	VERB
fsr-3421	486	15	p	p	X
fsr-3421	486	16	ro	ro	X
fsr-3421	486	17	v	v	X
fsr-3421	486	18	e	e	X
fsr-3421	486	19	th	th	X
fsr-3421	486	20	e	e	PROPN
fsr-3421	486	21	li	li	PROPN
fsr-3421	486	22	ce	ce	PROPN
fsr-3421	486	23	n	n	X
fsr-3421	486	24	se	se	X
fsr-3421	486	25	(	(	PUNCT
fsr-3421	486	26	d	d	PROPN
fsr-3421	486	27	ea	ea	X
fsr-3421	486	28	le	le	ADP
fsr-3421	486	29	r	r	NOUN
fsr-3421	486	30	g	g	PROPN
fsr-3421	486	31	ro	ro	NOUN
fsr-3421	486	32	u	u	PROPN
fsr-3421	486	33	p	p	PROPN
fsr-3421	486	34	)	)	PUNCT
fsr-3421	486	35	m	m	VERB
fsr-3421	486	36	et	et	NOUN
fsr-3421	486	37	h	h	NOUN
fsr-3421	487	1	o	o	NOUN
fsr-3421	488	1	d	d	X
fsr-3421	488	2	o	o	X
fsr-3421	489	1	f	f	X
fsr-3421	489	2	g	g	PROPN
fsr-3421	489	3	o	o	NOUN
fsr-3421	489	4	v	v	INTJ
fsr-3421	489	5	er	er	INTJ
fsr-3421	489	6	n	n	ADV
fsr-3421	489	7	an	an	DET
fsr-3421	489	8	ce	ce	PROPN
fsr-3421	489	9	in	in	ADP
fsr-3421	489	10	fi	fi	NOUN
fsr-3421	489	11	n	n	CCONJ
fsr-3421	489	12	an	an	DET
fsr-3421	489	13	ci	ci	NOUN
fsr-3421	489	14	al	al	PROPN
fsr-3421	489	15	ad	ad	PROPN
fsr-3421	489	16	v	v	X
fsr-3421	489	17	ic	ic	PROPN
fsr-3421	489	18	e	e	NOUN
fsr-3421	489	19	?	?	PUNCT
fsr-3421	490	1	g	g	NOUN
fsr-3421	490	2	o	o	NOUN
fsr-3421	490	3	v	v	INTJ
fsr-3421	490	4	er	er	INTJ
fsr-3421	490	5	n	n	ADV
fsr-3421	490	6	an	an	PROPN
fsr-3421	490	7	ce	ce	PROPN
fsr-3421	490	8	:	:	PUNCT
fsr-3421	490	9	f	f	X
fsr-3421	490	10	in	in	ADP
fsr-3421	490	11	an	an	DET
fsr-3421	490	12	ci	ci	NOUN
fsr-3421	491	1	al	al	PROPN
fsr-3421	491	2	p	p	PROPN
fsr-3421	491	3	ro	ro	PROPN
fsr-3421	492	1	d	d	X
fsr-3421	492	2	u	u	NOUN
fsr-3421	492	3	ct	ct	PROPN
fsr-3421	492	4	p	p	X
fsr-3421	492	5	ro	ro	X
fsr-3421	492	6	v	v	INTJ
fsr-3421	492	7	i	i	PROPN
fsr-3421	492	8	d	d	PROPN
fsr-3421	492	9	er	er	INTJ
fsr-3421	492	10	s	s	PROPN
fsr-3421	492	11	(	(	PUNCT
fsr-3421	492	12	i	i	NOUN
fsr-3421	492	13	f	f	PROPN
fsr-3421	492	14	se	se	PROPN
fsr-3421	492	15	p	p	PROPN
fsr-3421	492	16	ar	ar	PROPN
fsr-3421	492	17	at	at	ADP
fsr-3421	492	18	e	e	X
fsr-3421	492	19	fr	fr	NOUN
fsr-3421	492	20	o	o	VERB
fsr-3421	492	21	m	m	VERB
fsr-3421	492	22	th	th	X
fsr-3421	492	23	e	e	X
fsr-3421	492	24	o	o	X
fsr-3421	492	25	rg	rg	VERB
fsr-3421	492	26	an	an	DET
fsr-3421	492	27	iz	iz	NOUN
fsr-3421	492	28	at	at	ADP
fsr-3421	492	29	io	io	PROPN
fsr-3421	492	30	n	n	ADV
fsr-3421	492	31	)	)	PUNCT
fsr-3421	492	32	is	be	AUX
fsr-3421	492	33	y	y	PROPN
fsr-3421	492	34	o	o	NOUN
fsr-3421	492	35	u	u	NOUN
fsr-3421	492	36	r	r	NOUN
fsr-3421	492	37	fi	fi	NOUN
fsr-3421	492	38	n	n	CCONJ
fsr-3421	492	39	an	an	DET
fsr-3421	492	40	ci	ci	NOUN
fsr-3421	493	1	al	al	PROPN
fsr-3421	493	2	p	p	PROPN
fsr-3421	493	3	ro	ro	PROPN
fsr-3421	494	1	d	d	X
fsr-3421	494	2	u	u	NOUN
fsr-3421	494	3	ct	ct	PROPN
fsr-3421	494	4	p	p	X
fsr-3421	494	5	ro	ro	X
fsr-3421	494	6	v	v	INTJ
fsr-3421	494	7	i	i	PROPN
fsr-3421	494	8	d	d	PROPN
fsr-3421	494	9	er	er	INTJ
fsr-3421	494	10	an	an	PRON
fsr-3421	494	11	d	d	X
fsr-3421	494	12	li	li	PROPN
fsr-3421	494	13	ce	ce	PROPN
fsr-3421	494	14	n	n	PROPN
fsr-3421	495	1	se	se	PROPN
fsr-3421	495	2	h	h	NOUN
fsr-3421	496	1	o	o	INTJ
fsr-3421	496	2	ld	ld	INTJ
fsr-3421	496	3	er	er	INTJ
fsr-3421	496	4	th	th	X
fsr-3421	496	5	e	e	X
fsr-3421	496	6	sa	sa	NOUN
fsr-3421	496	7	m	m	PROPN
fsr-3421	496	8	e	e	NOUN
fsr-3421	496	9	in	in	ADP
fsr-3421	496	10	st	st	PROPN
fsr-3421	496	11	it	it	PRON
fsr-3421	496	12	u	u	NOUN
fsr-3421	496	13	ti	ti	NOUN
fsr-3421	496	14	o	o	NOUN
fsr-3421	496	15	n	n	NOUN
fsr-3421	496	16	?	?	PUNCT
fsr-3421	497	1	r	r	NOUN
fsr-3421	497	2	el	el	PROPN
fsr-3421	497	3	at	at	ADP
fsr-3421	497	4	ed	ed	PROPN
fsr-3421	497	5	?	?	PUNCT
fsr-3421	498	1	o	o	X
fsr-3421	499	1	r	r	NOUN
fsr-3421	499	2	in	in	ADP
fsr-3421	499	3	d	d	PROPN
fsr-3421	499	4	ep	ep	PROPN
fsr-3421	499	5	en	en	PROPN
fsr-3421	499	6	d	d	PROPN
fsr-3421	499	7	en	en	PROPN
fsr-3421	499	8	t	t	PROPN
fsr-3421	499	9	?	?	PUNCT
fsr-3421	500	1	in	in	ADP
fsr-3421	500	2	w	w	PROPN
fsr-3421	500	3	h	h	NOUN
fsr-3421	500	4	at	at	ADP
fsr-3421	500	5	w	w	PROPN
fsr-3421	500	6	ay	ay	PROPN
fsr-3421	500	7	d	d	X
fsr-3421	500	8	o	o	PROPN
fsr-3421	500	9	fi	fi	NOUN
fsr-3421	500	10	n	n	CCONJ
fsr-3421	500	11	an	an	DET
fsr-3421	500	12	ci	ci	NOUN
fsr-3421	501	1	al	al	PROPN
fsr-3421	501	2	p	p	PROPN
fsr-3421	501	3	ro	ro	PROPN
fsr-3421	502	1	d	d	X
fsr-3421	502	2	u	u	NOUN
fsr-3421	502	3	ct	ct	PROPN
fsr-3421	502	4	p	p	X
fsr-3421	502	5	ro	ro	X
fsr-3421	502	6	v	v	INTJ
fsr-3421	502	7	i	i	PROPN
fsr-3421	502	8	d	d	PROPN
fsr-3421	502	9	er	er	INTJ
fsr-3421	502	10	s	s	VERB
fsr-3421	502	11	in	in	ADP
fsr-3421	502	12	fl	fl	NUM
fsr-3421	502	13	u	u	PROPN
fsr-3421	502	14	en	en	X
fsr-3421	502	15	ce	ce	X
fsr-3421	502	16	th	th	X
fsr-3421	502	17	e	e	PROPN
fsr-3421	502	18	w	w	PROPN
fsr-3421	502	19	ay	ay	PROPN
fsr-3421	503	1	y	y	PROPN
fsr-3421	503	2	o	o	X
fsr-3421	503	3	u	u	NOUN
fsr-3421	503	4	g	g	PROPN
fsr-3421	503	5	iv	iv	NUM
fsr-3421	503	6	e	e	PROPN
fsr-3421	503	7	fi	fi	NOUN
fsr-3421	503	8	n	n	CCONJ
fsr-3421	503	9	an	an	DET
fsr-3421	503	10	ci	ci	NOUN
fsr-3421	503	11	al	al	PROPN
fsr-3421	503	12	ad	ad	PROPN
fsr-3421	503	13	v	v	X
fsr-3421	503	14	ic	ic	PROPN
fsr-3421	503	15	e	e	NOUN
fsr-3421	503	16	?	?	PUNCT
fsr-3421	504	1	in	in	ADP
fsr-3421	504	2	w	w	PROPN
fsr-3421	504	3	h	h	NOUN
fsr-3421	504	4	at	at	ADP
fsr-3421	504	5	w	w	PROPN
fsr-3421	504	6	ay	ay	PROPN
fsr-3421	504	7	is	be	AUX
fsr-3421	504	8	th	th	X
fsr-3421	504	9	e	e	NOUN
fsr-3421	504	10	in	in	ADP
fsr-3421	504	11	fl	fl	NUM
fsr-3421	504	12	u	u	PROPN
fsr-3421	504	13	en	en	X
fsr-3421	504	14	ce	ce	PROPN
fsr-3421	504	15	o	o	PROPN
fsr-3421	504	16	f	f	PROPN
fsr-3421	504	17	fi	fi	PROPN
fsr-3421	504	18	n	n	CCONJ
fsr-3421	504	19	an	an	DET
fsr-3421	504	20	ci	ci	NOUN
fsr-3421	505	1	al	al	PROPN
fsr-3421	505	2	p	p	PROPN
fsr-3421	505	3	ro	ro	PROPN
fsr-3421	506	1	d	d	X
fsr-3421	506	2	u	u	NOUN
fsr-3421	506	3	ct	ct	PROPN
fsr-3421	506	4	p	p	X
fsr-3421	506	5	ro	ro	X
fsr-3421	506	6	v	v	INTJ
fsr-3421	506	7	i	i	PROPN
fsr-3421	506	8	d	d	PROPN
fsr-3421	507	1	er	er	INTJ
fsr-3421	507	2	s	s	VERB
fsr-3421	507	3	p	p	NOUN
fsr-3421	507	4	o	o	X
fsr-3421	507	5	si	si	X
fsr-3421	507	6	ti	ti	X
fsr-3421	507	7	v	v	NOUN
fsr-3421	508	1	e	e	NOUN
fsr-3421	508	2	fo	fo	ADP
fsr-3421	508	3	r	r	NOUN
fsr-3421	508	4	th	th	X
fsr-3421	508	5	e	e	NOUN
fsr-3421	508	6	fi	fi	NOUN
fsr-3421	508	7	n	n	CCONJ
fsr-3421	508	8	an	an	DET
fsr-3421	508	9	ci	ci	NOUN
fsr-3421	508	10	al	al	PROPN
fsr-3421	508	11	ad	ad	PROPN
fsr-3421	508	12	v	v	X
fsr-3421	508	13	ic	ic	PROPN
fsr-3421	508	14	e	e	PROPN
fsr-3421	508	15	in	in	ADP
fsr-3421	508	16	d	d	PROPN
fsr-3421	508	17	u	u	X
fsr-3421	508	18	st	st	PROPN
fsr-3421	508	19	ry	ry	PROPN
fsr-3421	508	20	?	?	PUNCT
fsr-3421	509	1	w	w	PROPN
fsr-3421	509	2	h	h	NOUN
fsr-3421	509	3	at	at	ADP
fsr-3421	509	4	ab	ab	PROPN
fsr-3421	509	5	o	o	PROPN
fsr-3421	510	1	u	u	PROPN
fsr-3421	510	2	t	t	PROPN
fsr-3421	510	3	n	n	NUM
fsr-3421	510	4	eg	eg	NOUN
fsr-3421	510	5	at	at	ADP
fsr-3421	510	6	iv	iv	NUM
fsr-3421	510	7	e	e	PROPN
fsr-3421	510	8	i	i	PRON
fsr-3421	510	9	m	m	VERB
fsr-3421	510	10	p	p	VERB
fsr-3421	510	11	ac	ac	ADV
fsr-3421	510	12	ts	ts	ADV
fsr-3421	510	13	?	?	PUNCT
fsr-3421	511	1	w	w	PRON
fsr-3421	511	2	h	h	NOUN
fsr-3421	511	3	at	at	ADP
fsr-3421	511	4	ar	ar	PROPN
fsr-3421	511	5	e	e	PROPN
fsr-3421	511	6	y	y	PROPN
fsr-3421	511	7	o	o	X
fsr-3421	511	8	u	u	NOUN
fsr-3421	511	9	r	r	NOUN
fsr-3421	511	10	v	v	NOUN
fsr-3421	511	11	ie	ie	PROPN
fsr-3421	511	12	w	w	PROPN
fsr-3421	511	13	s	s	PROPN
fsr-3421	511	14	o	o	NOUN
fsr-3421	511	15	n	n	ADV
fsr-3421	511	16	th	th	X
fsr-3421	511	17	e	e	X
fsr-3421	511	18	cu	cu	PROPN
fsr-3421	511	19	rr	rr	PROPN
fsr-3421	511	20	en	en	PROPN
fsr-3421	511	21	t	t	PROPN
fsr-3421	511	22	m	m	VERB
fsr-3421	511	23	et	et	NOUN
fsr-3421	511	24	h	h	NOUN
fsr-3421	512	1	o	o	PROPN
fsr-3421	513	1	d	d	X
fsr-3421	513	2	b	b	X
fsr-3421	513	3	y	y	PROPN
fsr-3421	513	4	w	w	PROPN
fsr-3421	513	5	h	h	PROPN
fsr-3421	514	1	ic	ic	PROPN
fsr-3421	514	2	h	h	PROPN
fsr-3421	514	3	fi	fi	NOUN
fsr-3421	514	4	n	n	CCONJ
fsr-3421	514	5	an	an	DET
fsr-3421	514	6	ci	ci	NOUN
fsr-3421	515	1	al	al	PROPN
fsr-3421	515	2	p	p	PROPN
fsr-3421	515	3	ro	ro	PROPN
fsr-3421	516	1	d	d	X
fsr-3421	516	2	u	u	NOUN
fsr-3421	516	3	ct	ct	PROPN
fsr-3421	516	4	p	p	X
fsr-3421	516	5	ro	ro	X
fsr-3421	516	6	v	v	INTJ
fsr-3421	516	7	i	i	PROPN
fsr-3421	516	8	d	d	PROPN
fsr-3421	516	9	er	er	PROPN
fsr-3421	516	10	s	s	PROPN
fsr-3421	516	11	ar	ar	NOUN
fsr-3421	516	12	e	e	PROPN
fsr-3421	516	13	g	g	PROPN
fsr-3421	516	14	o	o	PROPN
fsr-3421	516	15	v	v	INTJ
fsr-3421	516	16	er	er	INTJ
fsr-3421	516	17	n	n	PRON
fsr-3421	516	18	ed	ed	NOUN
fsr-3421	516	19	?	?	PUNCT
fsr-3421	517	1	if	if	SCONJ
fsr-3421	517	2	th	th	X
fsr-3421	517	3	ey	ey	PRON
fsr-3421	517	4	ar	ar	PROPN
fsr-3421	517	5	e	e	NOUN
fsr-3421	517	6	o	o	NOUN
fsr-3421	517	7	r	r	NOUN
fsr-3421	517	8	ar	ar	PROPN
fsr-3421	517	9	e	e	PROPN
fsr-3421	517	10	n	n	CCONJ
fsr-3421	517	11	o	o	PROPN
fsr-3421	517	12	t	t	X
fsr-3421	517	13	ef	ef	X
fsr-3421	517	14	fe	fe	X
fsr-3421	517	15	ct	ct	NUM
fsr-3421	517	16	iv	iv	NUM
fsr-3421	517	17	e	e	NOUN
fsr-3421	517	18	,	,	PUNCT
fsr-3421	517	19	p	p	NOUN
fsr-3421	517	20	le	le	PROPN
fsr-3421	517	21	as	as	ADP
fsr-3421	517	22	e	e	X
fsr-3421	517	23	ex	ex	X
fsr-3421	517	24	p	p	X
fsr-3421	517	25	la	la	PROPN
fsr-3421	517	26	in	in	ADP
fsr-3421	517	27	w	w	PROPN
fsr-3421	517	28	h	h	PROPN
fsr-3421	517	29	y	y	PROPN
fsr-3421	517	30	?	?	PUNCT
fsr-3421	518	1	g	g	NOUN
fsr-3421	518	2	o	o	NOUN
fsr-3421	518	3	v	v	INTJ
fsr-3421	518	4	er	er	INTJ
fsr-3421	518	5	n	n	ADV
fsr-3421	518	6	an	an	DET
fsr-3421	518	7	ce	ce	PROPN
fsr-3421	518	8	:	:	PUNCT
fsr-3421	519	1	e	e	X
fsr-3421	519	2	d	d	PUNCT
fsr-3421	519	3	u	u	PRON
fsr-3421	519	4	ca	can	AUX
fsr-3421	519	5	ti	ti	NOUN
fsr-3421	519	6	o	o	NOUN
fsr-3421	519	7	n	n	ADV
fsr-3421	519	8	an	an	PRON
fsr-3421	519	9	d	d	X
fsr-3421	519	10	p	p	X
fsr-3421	519	11	ro	ro	X
fsr-3421	519	12	fe	fe	X
fsr-3421	519	13	ss	ss	PROPN
fsr-3421	519	14	io	io	PROPN
fsr-3421	519	15	n	n	PROPN
fsr-3421	519	16	al	al	PROPN
fsr-3421	519	17	b	b	PROPN
fsr-3421	520	1	o	o	X
fsr-3421	520	2	d	d	X
fsr-3421	520	3	ie	ie	X
fsr-3421	520	4	s	s	PROPN
fsr-3421	520	5	w	w	PROPN
fsr-3421	520	6	h	h	NOUN
fsr-3421	520	7	at	at	ADP
fsr-3421	520	8	ar	ar	PROPN
fsr-3421	520	9	e	e	PROPN
fsr-3421	520	10	y	y	PROPN
fsr-3421	520	11	o	o	X
fsr-3421	520	12	u	u	NOUN
fsr-3421	520	13	r	r	NOUN
fsr-3421	520	14	v	v	NOUN
fsr-3421	520	15	ie	ie	PROPN
fsr-3421	520	16	w	w	PROPN
fsr-3421	520	17	s	s	PROPN
fsr-3421	520	18	o	o	NOUN
fsr-3421	520	19	n	n	X
fsr-3421	520	20	th	th	X
fsr-3421	520	21	e	e	X
fsr-3421	520	22	re	re	NOUN
fsr-3421	520	23	q	q	PROPN
fsr-3421	520	24	u	u	X
fsr-3421	520	25	ir	ir	VERB
fsr-3421	520	26	em	em	PRON
fsr-3421	520	27	en	en	INTJ
fsr-3421	520	28	t	t	PROPN
fsr-3421	520	29	fo	fo	INTJ
fsr-3421	520	30	r	r	PROPN
fsr-3421	520	31	p	p	X
fsr-3421	520	32	ro	ro	X
fsr-3421	520	33	fe	fe	X
fsr-3421	520	34	ss	ss	PROPN
fsr-3421	520	35	io	io	PROPN
fsr-3421	520	36	n	n	PROPN
fsr-3421	520	37	al	al	PROPN
fsr-3421	520	38	q	q	PROPN
fsr-3421	520	39	u	u	PROPN
fsr-3421	520	40	al	al	PROPN
fsr-3421	520	41	ifi	ifi	PROPN
fsr-3421	521	1	ca	can	AUX
fsr-3421	521	2	ti	ti	VERB
fsr-3421	521	3	o	o	PROPN
fsr-3421	522	1	n	n	NOUN
fsr-3421	522	2	s	s	NOUN
fsr-3421	522	3	fo	fo	ADP
fsr-3421	522	4	r	r	NOUN
fsr-3421	522	5	fi	fi	NOUN
fsr-3421	522	6	n	n	CCONJ
fsr-3421	522	7	an	an	DET
fsr-3421	522	8	ci	ci	NOUN
fsr-3421	522	9	al	al	PROPN
fsr-3421	522	10	p	p	PROPN
fsr-3421	522	11	la	la	PROPN
fsr-3421	522	12	n	n	CCONJ
fsr-3421	522	13	n	n	ADV
fsr-3421	522	14	er	er	INTJ
fsr-3421	522	15	s/	s/	VERB
fsr-3421	522	16	ad	ad	NOUN
fsr-3421	522	17	v	v	NOUN
fsr-3421	522	18	is	be	AUX
fsr-3421	522	19	o	o	NOUN
fsr-3421	522	20	rs	rs	NOUN
fsr-3421	522	21	?	?	PUNCT
fsr-3421	523	1	if	if	SCONJ
fsr-3421	523	2	th	th	X
fsr-3421	523	3	ey	ey	PRON
fsr-3421	523	4	ar	ar	PROPN
fsr-3421	523	5	e	e	PROPN
fsr-3421	523	6	n	n	PROPN
fsr-3421	523	7	o	o	PROPN
fsr-3421	523	8	t	t	X
fsr-3421	523	9	ef	ef	X
fsr-3421	523	10	fe	fe	X
fsr-3421	523	11	ct	ct	NUM
fsr-3421	523	12	iv	iv	NUM
fsr-3421	523	13	e	e	NOUN
fsr-3421	523	14	,	,	PUNCT
fsr-3421	523	15	p	p	NOUN
fsr-3421	523	16	le	le	PROPN
fsr-3421	523	17	as	as	ADP
fsr-3421	523	18	e	e	X
fsr-3421	523	19	ex	ex	X
fsr-3421	523	20	p	p	X
fsr-3421	523	21	la	la	PROPN
fsr-3421	523	22	in	in	ADP
fsr-3421	523	23	w	w	PROPN
fsr-3421	523	24	h	h	PROPN
fsr-3421	523	25	y	y	PROPN
fsr-3421	523	26	?	?	PUNCT
fsr-3421	524	1	a	a	DET
fsr-3421	524	2	re	re	ADJ
fsr-3421	524	3	y	y	NOUN
fsr-3421	524	4	o	o	PROPN
fsr-3421	524	5	u	u	NOUN
fsr-3421	524	6	a	a	PROPN
fsr-3421	524	7	m	m	VERB
fsr-3421	524	8	em	em	PRON
fsr-3421	524	9	b	b	NOUN
fsr-3421	524	10	er	er	INTJ
fsr-3421	524	11	o	o	X
fsr-3421	524	12	f	f	X
fsr-3421	525	1	a	a	DET
fsr-3421	525	2	p	p	X
fsr-3421	525	3	ro	ro	X
fsr-3421	525	4	fe	fe	X
fsr-3421	525	5	ss	ss	PROPN
fsr-3421	525	6	io	io	PROPN
fsr-3421	525	7	n	n	PROPN
fsr-3421	526	1	al	al	PROPN
fsr-3421	526	2	b	b	PROPN
fsr-3421	527	1	o	o	X
fsr-3421	528	1	d	d	X
fsr-3421	528	2	y	y	PROPN
fsr-3421	528	3	?	?	PUNCT
fsr-3421	529	1	w	w	PROPN
fsr-3421	530	1	h	h	NOUN
fsr-3421	531	1	y	y	NOUN
fsr-3421	531	2	o	o	NOUN
fsr-3421	531	3	r	r	NOUN
fsr-3421	531	4	w	w	PROPN
fsr-3421	531	5	h	h	NOUN
fsr-3421	532	1	y	y	PROPN
fsr-3421	532	2	n	n	ADV
fsr-3421	532	3	o	o	NOUN
fsr-3421	532	4	t	t	PROPN
fsr-3421	532	5	?	?	PUNCT
fsr-3421	533	1	w	w	PROPN
fsr-3421	533	2	h	h	NOUN
fsr-3421	533	3	at	at	ADP
fsr-3421	533	4	ar	ar	PROPN
fsr-3421	533	5	e	e	PROPN
fsr-3421	533	6	y	y	PROPN
fsr-3421	533	7	o	o	X
fsr-3421	533	8	u	u	NOUN
fsr-3421	533	9	r	r	NOUN
fsr-3421	533	10	v	v	NOUN
fsr-3421	533	11	ie	ie	PROPN
fsr-3421	533	12	w	w	PROPN
fsr-3421	533	13	s	s	PROPN
fsr-3421	533	14	o	o	NOUN
fsr-3421	533	15	n	n	X
fsr-3421	533	16	th	th	X
fsr-3421	533	17	e	e	X
fsr-3421	533	18	re	re	NOUN
fsr-3421	533	19	q	q	PROPN
fsr-3421	533	20	u	u	X
fsr-3421	533	21	ir	ir	VERB
fsr-3421	533	22	em	em	PRON
fsr-3421	533	23	en	en	INTJ
fsr-3421	533	24	ts	ts	ADP
fsr-3421	534	1	fr	fr	INTJ
fsr-3421	534	2	o	o	NOUN
fsr-3421	535	1	m	m	VERB
fsr-3421	536	1	y	y	NOUN
fsr-3421	536	2	o	o	X
fsr-3421	536	3	u	u	NOUN
fsr-3421	536	4	r	r	PROPN
fsr-3421	536	5	p	p	X
fsr-3421	536	6	ro	ro	X
fsr-3421	536	7	fe	fe	X
fsr-3421	536	8	ss	ss	PROPN
fsr-3421	536	9	io	io	PROPN
fsr-3421	536	10	n	n	PROPN
fsr-3421	537	1	al	al	PROPN
fsr-3421	537	2	b	b	PROPN
fsr-3421	538	1	o	o	X
fsr-3421	539	1	d	d	X
fsr-3421	539	2	y	y	PROPN
fsr-3421	539	3	?	?	PUNCT
fsr-3421	540	1	if	if	SCONJ
fsr-3421	540	2	th	th	X
fsr-3421	540	3	ey	ey	PRON
fsr-3421	540	4	ar	ar	PROPN
fsr-3421	540	5	e	e	NOUN
fsr-3421	540	6	o	o	NOUN
fsr-3421	540	7	r	r	NOUN
fsr-3421	540	8	ar	ar	PROPN
fsr-3421	540	9	e	e	PROPN
fsr-3421	540	10	n	n	CCONJ
fsr-3421	540	11	o	o	PROPN
fsr-3421	540	12	t	t	X
fsr-3421	540	13	ef	ef	X
fsr-3421	540	14	fe	fe	X
fsr-3421	540	15	ct	ct	NUM
fsr-3421	540	16	iv	iv	NUM
fsr-3421	540	17	e	e	NOUN
fsr-3421	540	18	,	,	PUNCT
fsr-3421	540	19	p	p	NOUN
fsr-3421	540	20	le	le	PROPN
fsr-3421	540	21	as	as	ADP
fsr-3421	540	22	e	e	X
fsr-3421	540	23	ex	ex	X
fsr-3421	540	24	p	p	X
fsr-3421	540	25	la	la	PROPN
fsr-3421	540	26	in	in	ADP
fsr-3421	540	27	w	w	PROPN
fsr-3421	540	28	h	h	PROPN
fsr-3421	540	29	y	y	PROPN
fsr-3421	540	30	?	?	PUNCT
fsr-3421	541	1	g	g	NOUN
fsr-3421	541	2	o	o	NOUN
fsr-3421	541	3	v	v	INTJ
fsr-3421	541	4	er	er	INTJ
fsr-3421	541	5	n	n	ADV
fsr-3421	541	6	an	an	PROPN
fsr-3421	541	7	ce	ce	PROPN
fsr-3421	541	8	:	:	PUNCT
fsr-3421	542	1	c	c	PROPN
fsr-3421	542	2	li	li	PROPN
fsr-3421	542	3	en	en	X
fsr-3421	542	4	ts	ts	PROPN
fsr-3421	542	5	w	w	PROPN
fsr-3421	542	6	h	h	PROPN
fsr-3421	542	7	at	at	ADP
fsr-3421	542	8	in	in	ADP
fsr-3421	542	9	te	te	PROPN
fsr-3421	542	10	rn	rn	PROPN
fsr-3421	542	11	et	et	PROPN
fsr-3421	542	12	/e	/e	PUNCT
fsr-3421	542	13	x	x	PUNCT
fsr-3421	542	14	te	te	PROPN
fsr-3421	542	15	rn	rn	PROPN
fsr-3421	542	16	al	al	PROPN
fsr-3421	542	17	cl	cl	PROPN
fsr-3421	542	18	ie	ie	X
fsr-3421	542	19	n	n	PROPN
fsr-3421	542	20	t	t	X
fsr-3421	542	21	co	co	NOUN
fsr-3421	542	22	m	m	PROPN
fsr-3421	542	23	p	p	PROPN
fsr-3421	542	24	la	la	PROPN
fsr-3421	542	25	in	in	ADP
fsr-3421	542	26	t	t	PROPN
fsr-3421	542	27	se	se	PROPN
fsr-3421	542	28	rv	rv	PROPN
fsr-3421	543	1	ic	ic	PROPN
fsr-3421	543	2	es	es	X
fsr-3421	544	1	d	d	X
fsr-3421	544	2	o	o	X
fsr-3421	545	1	y	y	X
fsr-3421	545	2	o	o	X
fsr-3421	545	3	u	u	INTJ
fsr-3421	545	4	h	h	NOUN
fsr-3421	545	5	av	av	PROPN
fsr-3421	545	6	e	e	PROPN
fsr-3421	545	7	?	?	PUNCT
fsr-3421	546	1	w	w	PROPN
fsr-3421	546	2	h	h	NOUN
fsr-3421	546	3	at	at	ADP
fsr-3421	546	4	ar	ar	PROPN
fsr-3421	546	5	e	e	PROPN
fsr-3421	546	6	y	y	PROPN
fsr-3421	546	7	o	o	X
fsr-3421	546	8	u	u	NOUN
fsr-3421	546	9	r	r	NOUN
fsr-3421	546	10	v	v	NOUN
fsr-3421	546	11	ie	ie	PROPN
fsr-3421	546	12	w	w	PROPN
fsr-3421	546	13	s	s	PROPN
fsr-3421	546	14	o	o	NOUN
fsr-3421	546	15	n	n	ADV
fsr-3421	546	16	th	th	X
fsr-3421	546	17	e	e	X
fsr-3421	546	18	m	m	VERB
fsr-3421	546	19	et	et	NOUN
fsr-3421	546	20	h	h	NOUN
fsr-3421	547	1	o	o	NOUN
fsr-3421	548	1	d	d	INTJ
fsr-3421	548	2	fo	fo	INTJ
fsr-3421	548	3	r	r	NOUN
fsr-3421	548	4	re	re	NOUN
fsr-3421	548	5	so	so	ADV
fsr-3421	548	6	lv	lv	PROPN
fsr-3421	548	7	in	in	ADP
fsr-3421	548	8	g	g	PROPN
fsr-3421	548	9	d	d	PROPN
fsr-3421	548	10	is	be	AUX
fsr-3421	548	11	p	p	X
fsr-3421	548	12	u	u	NOUN
fsr-3421	548	13	te	te	ADP
fsr-3421	548	14	s	s	PART
fsr-3421	548	15	w	w	VERB
fsr-3421	548	16	it	it	PRON
fsr-3421	548	17	h	h	NOUN
fsr-3421	548	18	cl	cl	NOUN
fsr-3421	548	19	ie	ie	X
fsr-3421	548	20	n	n	ADV
fsr-3421	548	21	ts	ts	ADV
fsr-3421	548	22	?	?	PUNCT
fsr-3421	549	1	if	if	SCONJ
fsr-3421	549	2	th	th	X
fsr-3421	549	3	ey	ey	PRON
fsr-3421	549	4	ar	ar	PROPN
fsr-3421	549	5	e/	e/	PROPN
fsr-3421	549	6	ar	ar	PROPN
fsr-3421	549	7	e	e	PROPN
fsr-3421	549	8	n	n	CCONJ
fsr-3421	549	9	o	o	PROPN
fsr-3421	549	10	t	t	X
fsr-3421	549	11	ef	ef	X
fsr-3421	549	12	fe	fe	X
fsr-3421	549	13	ct	ct	NUM
fsr-3421	549	14	iv	iv	NUM
fsr-3421	549	15	e	e	NOUN
fsr-3421	549	16	,	,	PUNCT
fsr-3421	549	17	p	p	NOUN
fsr-3421	549	18	le	le	PROPN
fsr-3421	549	19	as	as	ADP
fsr-3421	549	20	e	e	X
fsr-3421	549	21	ex	ex	X
fsr-3421	549	22	p	p	X
fsr-3421	549	23	la	la	PROPN
fsr-3421	549	24	in	in	ADP
fsr-3421	549	25	w	w	PROPN
fsr-3421	549	26	h	h	PROPN
fsr-3421	549	27	y	y	PROPN
fsr-3421	549	28	?	?	PUNCT
fsr-3421	550	1	d	d	X
fsr-3421	550	2	o	o	X
fsr-3421	550	3	th	th	X
fsr-3421	550	4	e	e	X
fsr-3421	550	5	cl	cl	NOUN
fsr-3421	550	6	ie	ie	X
fsr-3421	550	7	n	n	PROPN
fsr-3421	550	8	t	t	X
fsr-3421	550	9	co	co	NOUN
fsr-3421	550	10	m	m	PROPN
fsr-3421	550	11	p	p	PROPN
fsr-3421	550	12	la	la	PROPN
fsr-3421	550	13	in	in	ADP
fsr-3421	550	14	t	t	PROPN
fsr-3421	550	15	se	se	PROPN
fsr-3421	550	16	rv	rv	PROPN
fsr-3421	551	1	ic	ic	PROPN
fsr-3421	551	2	es	es	X
fsr-3421	551	3	in	in	ADP
fsr-3421	551	4	fl	fl	NUM
fsr-3421	551	5	u	u	PROPN
fsr-3421	551	6	en	en	PROPN
fsr-3421	551	7	ce	ce	PROPN
fsr-3421	551	8	h	h	NOUN
fsr-3421	552	1	o	o	PROPN
fsr-3421	552	2	w	w	PROPN
fsr-3421	552	3	y	y	NOUN
fsr-3421	552	4	o	o	X
fsr-3421	552	5	u	u	NOUN
fsr-3421	552	6	g	g	PROPN
fsr-3421	552	7	iv	iv	NUM
fsr-3421	552	8	e	e	PROPN
fsr-3421	552	9	fi	fi	NOUN
fsr-3421	552	10	n	n	CCONJ
fsr-3421	552	11	an	an	DET
fsr-3421	552	12	ci	ci	NOUN
fsr-3421	552	13	al	al	PROPN
fsr-3421	552	14	ad	ad	PROPN
fsr-3421	552	15	v	v	NOUN
fsr-3421	552	16	ic	ic	PROPN
fsr-3421	552	17	e	e	NOUN
fsr-3421	552	18	?	?	PUNCT
fsr-3421	553	1	o	o	NOUN
fsr-3421	553	2	v	v	INTJ
fsr-3421	553	3	er	er	INTJ
fsr-3421	553	4	al	al	PROPN
fsr-3421	553	5	l	l	PROPN
fsr-3421	553	6	:	:	PUNCT
fsr-3421	553	7	g	g	PART
fsr-3421	553	8	o	o	NOUN
fsr-3421	553	9	v	v	INTJ
fsr-3421	553	10	er	er	INTJ
fsr-3421	553	11	n	n	ADV
fsr-3421	553	12	an	an	PRON
fsr-3421	553	13	ce	ce	PROPN
fsr-3421	553	14	ef	ef	X
fsr-3421	553	15	fe	fe	X
fsr-3421	554	1	ct	ct	NUM
fsr-3421	554	2	iv	iv	NUM
fsr-3421	554	3	en	en	INTJ
fsr-3421	554	4	es	es	X
fsr-3421	554	5	s	s	NOUN
fsr-3421	554	6	w	w	NOUN
fsr-3421	554	7	h	h	NOUN
fsr-3421	554	8	at	at	ADP
fsr-3421	554	9	,	,	PUNCT
fsr-3421	554	10	in	in	ADP
fsr-3421	554	11	y	y	PROPN
fsr-3421	555	1	o	o	NOUN
fsr-3421	555	2	u	u	NOUN
fsr-3421	555	3	r	r	NOUN
fsr-3421	555	4	v	v	NOUN
fsr-3421	555	5	ie	ie	X
fsr-3421	555	6	w	w	PROPN
fsr-3421	555	7	,	,	PUNCT
fsr-3421	555	8	ar	ar	NOUN
fsr-3421	555	9	e	e	X
fsr-3421	555	10	th	th	X
fsr-3421	555	11	e	e	X
fsr-3421	555	12	re	re	ADP
fsr-3421	555	13	fo	fo	ADP
fsr-3421	555	14	rm	rm	PROPN
fsr-3421	555	15	s	s	PART
fsr-3421	555	16	th	th	X
fsr-3421	555	17	at	at	ADP
fsr-3421	555	18	h	h	NOUN
fsr-3421	555	19	av	av	PROPN
fsr-3421	555	20	e	e	PROPN
fsr-3421	555	21	h	h	NOUN
fsr-3421	555	22	ad	ad	NOUN
fsr-3421	555	23	th	th	X
fsr-3421	555	24	e	e	NOUN
fsr-3421	555	25	m	m	NOUN
fsr-3421	555	26	o	o	NOUN
fsr-3421	555	27	st	st	PROPN
fsr-3421	555	28	p	p	X
fsr-3421	555	29	o	o	X
fsr-3421	555	30	si	si	X
fsr-3421	555	31	ti	ti	X
fsr-3421	555	32	v	v	NOUN
fsr-3421	555	33	e	e	X
fsr-3421	556	1	i	i	PRON
fsr-3421	556	2	m	m	VERB
fsr-3421	556	3	p	p	NOUN
fsr-3421	556	4	ac	ac	PROPN
fsr-3421	556	5	t	t	PROPN
fsr-3421	556	6	o	o	NOUN
fsr-3421	556	7	n	n	CCONJ
fsr-3421	556	8	y	y	NOUN
fsr-3421	556	9	o	o	X
fsr-3421	556	10	u	u	NOUN
fsr-3421	557	1	r	r	NOUN
fsr-3421	557	2	p	p	NOUN
fsr-3421	557	3	ra	ra	PROPN
fsr-3421	558	1	ct	ct	NUM
fsr-3421	558	2	ic	ic	PROPN
fsr-3421	559	1	e	e	NOUN
fsr-3421	559	2	?	?	PUNCT
fsr-3421	560	1	w	w	PROPN
fsr-3421	560	2	h	h	NOUN
fsr-3421	560	3	at	at	ADP
fsr-3421	560	4	ar	ar	PROPN
fsr-3421	560	5	e	e	PROPN
fsr-3421	560	6	th	th	X
fsr-3421	560	7	e	e	X
fsr-3421	560	8	re	re	ADP
fsr-3421	560	9	fo	fo	ADP
fsr-3421	560	10	rm	rm	PROPN
fsr-3421	560	11	s	s	PART
fsr-3421	560	12	th	th	X
fsr-3421	560	13	at	at	ADP
fsr-3421	560	14	h	h	NOUN
fsr-3421	560	15	av	av	PROPN
fsr-3421	560	16	e	e	PROPN
fsr-3421	560	17	h	h	NOUN
fsr-3421	560	18	ad	ad	NOUN
fsr-3421	560	19	th	th	X
fsr-3421	560	20	e	e	NOUN
fsr-3421	560	21	m	m	NOUN
fsr-3421	560	22	o	o	NOUN
fsr-3421	560	23	st	st	PROPN
fsr-3421	560	24	n	n	PROPN
fsr-3421	560	25	eg	eg	NOUN
fsr-3421	560	26	at	at	ADP
fsr-3421	560	27	iv	iv	NUM
fsr-3421	560	28	e	e	PROPN
fsr-3421	560	29	i	i	PRON
fsr-3421	560	30	m	m	VERB
fsr-3421	560	31	p	p	NOUN
fsr-3421	561	1	ac	ac	PROPN
fsr-3421	561	2	t	t	PROPN
fsr-3421	561	3	o	o	NOUN
fsr-3421	561	4	n	n	CCONJ
fsr-3421	561	5	y	y	NOUN
fsr-3421	561	6	o	o	X
fsr-3421	561	7	u	u	NOUN
fsr-3421	561	8	r	r	NOUN
fsr-3421	561	9	p	p	NOUN
fsr-3421	561	10	ra	ra	PROPN
fsr-3421	562	1	ct	ct	NUM
fsr-3421	562	2	ic	ic	PROPN
fsr-3421	563	1	e	e	NOUN
fsr-3421	563	2	?	?	PUNCT
fsr-3421	564	1	d	d	X
fsr-3421	564	2	o	o	X
fsr-3421	565	1	y	y	X
fsr-3421	565	2	o	o	X
fsr-3421	565	3	u	u	PROPN
fsr-3421	565	4	b	b	PROPN
fsr-3421	565	5	el	el	PROPN
fsr-3421	565	6	ie	ie	PROPN
fsr-3421	565	7	v	v	X
fsr-3421	565	8	e	e	X
fsr-3421	565	9	th	th	X
fsr-3421	565	10	at	at	ADP
fsr-3421	565	11	th	th	X
fsr-3421	565	12	e	e	NOUN
fsr-3421	565	13	re	re	ADP
fsr-3421	565	14	fo	fo	ADP
fsr-3421	565	15	rm	rm	PROPN
fsr-3421	565	16	s	s	PART
fsr-3421	565	17	o	o	NOUN
fsr-3421	565	18	v	v	ADP
fsr-3421	565	19	er	er	INTJ
fsr-3421	565	20	al	al	PROPN
fsr-3421	565	21	l	l	PROPN
fsr-3421	565	22	ar	ar	PROPN
fsr-3421	565	23	e	e	PROPN
fsr-3421	565	24	b	b	PROPN
fsr-3421	565	25	en	en	X
fsr-3421	565	26	efi	efi	PROPN
fsr-3421	565	27	ci	ci	PROPN
fsr-3421	565	28	al	al	PROPN
fsr-3421	565	29	fo	fo	ADP
fsr-3421	565	30	r	r	NOUN
fsr-3421	565	31	th	th	X
fsr-3421	565	32	e	e	NOUN
fsr-3421	565	33	fi	fi	NOUN
fsr-3421	565	34	n	n	CCONJ
fsr-3421	565	35	an	an	DET
fsr-3421	565	36	ci	ci	NOUN
fsr-3421	565	37	al	al	PROPN
fsr-3421	565	38	ad	ad	PROPN
fsr-3421	565	39	v	v	X
fsr-3421	565	40	ic	ic	PROPN
fsr-3421	565	41	e	e	PROPN
fsr-3421	565	42	in	in	ADP
fsr-3421	565	43	d	d	PROPN
fsr-3421	565	44	u	u	X
fsr-3421	565	45	st	st	PROPN
fsr-3421	565	46	ry	ry	PROPN
fsr-3421	565	47	?	?	PUNCT
fsr-3421	566	1	w	w	PROPN
fsr-3421	566	2	h	h	NOUN
fsr-3421	567	1	y	y	NOUN
fsr-3421	567	2	o	o	NOUN
fsr-3421	567	3	r	r	NOUN
fsr-3421	567	4	w	w	PROPN
fsr-3421	567	5	h	h	NOUN
fsr-3421	568	1	y	y	PROPN
fsr-3421	568	2	n	n	ADV
fsr-3421	568	3	o	o	NOUN
fsr-3421	568	4	t	t	PROPN
fsr-3421	568	5	?	?	PUNCT
fsr-3421	569	1	w	w	PROPN
fsr-3421	569	2	h	h	NOUN
fsr-3421	569	3	at	at	ADP
fsr-3421	569	4	ar	ar	PROPN
fsr-3421	569	5	e	e	PROPN
fsr-3421	569	6	y	y	PROPN
fsr-3421	569	7	o	o	X
fsr-3421	569	8	u	u	NOUN
fsr-3421	569	9	r	r	NOUN
fsr-3421	569	10	v	v	NOUN
fsr-3421	569	11	ie	ie	PROPN
fsr-3421	569	12	w	w	PROPN
fsr-3421	569	13	s	s	PROPN
fsr-3421	569	14	o	o	NOUN
fsr-3421	569	15	n	n	ADV
fsr-3421	569	16	th	th	X
fsr-3421	569	17	e	e	X
fsr-3421	569	18	cu	cu	PROPN
fsr-3421	569	19	rr	rr	PROPN
fsr-3421	569	20	en	en	PROPN
fsr-3421	569	21	t	t	PROPN
fsr-3421	569	22	p	p	X
fsr-3421	569	23	en	en	PROPN
fsr-3421	569	24	al	al	PROPN
fsr-3421	569	25	ti	ti	PROPN
fsr-3421	569	26	es	es	NOUN
fsr-3421	569	27	fo	fo	ADP
fsr-3421	569	28	r	r	NOUN
fsr-3421	569	29	n	n	NOUN
fsr-3421	569	30	o	o	NOUN
fsr-3421	569	31	n	n	NOUN
fsr-3421	569	32	-c	-c	NUM
fsr-3421	570	1	o	o	NOUN
fsr-3421	570	2	m	m	VERB
fsr-3421	570	3	p	p	NOUN
fsr-3421	570	4	li	li	PROPN
fsr-3421	570	5	an	an	DET
fsr-3421	570	6	ce	ce	PROPN
fsr-3421	570	7	o	o	X
fsr-3421	570	8	f	f	PROPN
fsr-3421	570	9	li	li	PROPN
fsr-3421	570	10	ce	ce	PROPN
fsr-3421	570	11	n	n	PROPN
fsr-3421	570	12	si	si	PROPN
fsr-3421	570	13	n	n	CCONJ
fsr-3421	570	14	g	g	NOUN
fsr-3421	570	15	,	,	PUNCT
fsr-3421	570	16	p	p	PROPN
fsr-3421	570	17	ro	ro	X
fsr-3421	570	18	fe	fe	X
fsr-3421	570	19	ss	ss	PROPN
fsr-3421	570	20	io	io	PROPN
fsr-3421	570	21	n	n	PROPN
fsr-3421	570	22	al	al	PROPN
fsr-3421	570	23	q	q	PROPN
fsr-3421	570	24	u	u	PROPN
fsr-3421	570	25	al	al	PROPN
fsr-3421	570	26	ifi	ifi	PROPN
fsr-3421	571	1	ca	can	AUX
fsr-3421	571	2	ti	ti	VERB
fsr-3421	571	3	o	o	PROPN
fsr-3421	571	4	n	n	PROPN
fsr-3421	571	5	s	s	PROPN
fsr-3421	571	6	?	?	PUNCT
fsr-3421	572	1	if	if	SCONJ
fsr-3421	572	2	th	th	X
fsr-3421	572	3	ey	ey	INTJ
fsr-3421	572	4	n	n	PRON
fsr-3421	572	5	o	o	NOUN
fsr-3421	572	6	t	t	X
fsr-3421	572	7	ef	ef	X
fsr-3421	572	8	fe	fe	X
fsr-3421	572	9	ct	ct	NUM
fsr-3421	572	10	iv	iv	NUM
fsr-3421	572	11	e	e	NOUN
fsr-3421	572	12	,	,	PUNCT
fsr-3421	572	13	p	p	NOUN
fsr-3421	572	14	le	le	PROPN
fsr-3421	572	15	as	as	ADP
fsr-3421	572	16	e	e	X
fsr-3421	572	17	ex	ex	X
fsr-3421	572	18	p	p	X
fsr-3421	572	19	la	la	PROPN
fsr-3421	572	20	in	in	ADP
fsr-3421	572	21	w	w	PROPN
fsr-3421	572	22	h	h	PROPN
fsr-3421	572	23	y	y	PROPN
fsr-3421	572	24	?	?	PUNCT
fsr-3421	573	1	o	o	X
fsr-3421	573	2	th	th	X
fsr-3421	573	3	er	er	INTJ
fsr-3421	573	4	to	to	ADP
fsr-3421	573	5	p	p	PROPN
fsr-3421	573	6	ic	ic	PROPN
fsr-3421	573	7	s	s	PROPN
fsr-3421	573	8	o	o	X
fsr-3421	573	9	th	th	X
fsr-3421	573	10	er	er	INTJ
fsr-3421	573	11	q	q	X
fsr-3421	573	12	u	u	NOUN
fsr-3421	573	13	es	es	X
fsr-3421	573	14	ti	ti	NOUN
fsr-3421	573	15	o	o	NOUN
fsr-3421	573	16	n	n	PROPN
fsr-3421	573	17	s	s	NOUN
fsr-3421	573	18	m	m	NOUN
fsr-3421	573	19	ay	ay	NOUN
fsr-3421	573	20	b	b	PROPN
fsr-3421	573	21	e	e	PROPN
fsr-3421	573	22	as	as	ADP
fsr-3421	573	23	k	k	PROPN
fsr-3421	573	24	ed	ed	PROPN
fsr-3421	573	25	as	as	ADP
fsr-3421	573	26	a	a	DET
fsr-3421	573	27	re	re	X
fsr-3421	573	28	su	su	PROPN
fsr-3421	574	1	lt	lt	PRON
fsr-3421	574	2	o	o	PROPN
fsr-3421	574	3	f	f	X
fsr-3421	574	4	th	th	X
fsr-3421	574	5	e	e	X
fsr-3421	574	6	an	an	PRON
fsr-3421	574	7	sw	sw	PROPN
fsr-3421	574	8	er	er	INTJ
fsr-3421	574	9	s	s	PROPN
fsr-3421	574	10	g	g	NOUN
fsr-3421	574	11	iv	iv	NUM
fsr-3421	574	12	en	en	ADP
fsr-3421	574	13	to	to	ADP
fsr-3421	574	14	q	q	PROPN
fsr-3421	574	15	u	u	NOUN
fsr-3421	574	16	es	es	X
fsr-3421	574	17	ti	ti	NOUN
fsr-3421	574	18	o	o	NOUN
fsr-3421	574	19	n	n	PROPN
fsr-3421	574	20	s	s	PROPN
fsr-3421	574	21	ab	ab	NOUN
fsr-3421	574	22	o	o	X
fsr-3421	574	23	v	v	PROPN
fsr-3421	574	24	e.	e.	PROPN
fsr-3421	574	25	d.	d.	PROPN
fsr-3421	574	26	w.	w.	PROPN
fsr-3421	574	27	richards	richards	PROPN
fsr-3421	574	28	,	,	PUNCT
fsr-3421	574	29	e.	e.	PROPN
fsr-3421	574	30	f.	f.	PROPN
fsr-3421	574	31	morton	morton	PROPN
fsr-3421	574	32	/	/	SYM
fsr-3421	574	33	financial	financial	ADJ
fsr-3421	574	34	services	service	NOUN
fsr-3421	574	35	review	review	VERB
fsr-3421	574	36	28	28	NUM
fsr-3421	574	37	(	(	PUNCT
fsr-3421	574	38	2020	2020	NUM
fsr-3421	574	39	)	)	PUNCT
fsr-3421	574	40	133–158	133–158	NUM
fsr-3421	574	41	155	155	NUM
fsr-3421	574	42	references	reference	NOUN
fsr-3421	574	43	american	american	PROPN
fsr-3421	574	44	finance	finance	PROPN
fsr-3421	574	45	association	association	PROPN
fsr-3421	574	46	.	.	PUNCT
fsr-3421	575	1	(	(	PUNCT
fsr-3421	575	2	2018	2018	NUM
fsr-3421	575	3	)	)	PUNCT
fsr-3421	575	4	.	.	PUNCT
fsr-3421	576	1	afa	afa	PROPN
fsr-3421	576	2	code	code	PROPN
fsr-3421	576	3	of	of	ADP
fsr-3421	576	4	conduct	conduct	NOUN
fsr-3421	576	5	.	.	PUNCT
fsr-3421	577	1	(	(	PUNCT
fsr-3421	577	2	available	available	ADJ
fsr-3421	577	3	at	at	ADP
fsr-3421	577	4	https://www.afa.asn.au/afa-codeconduct	https://www.afa.asn.au/afa-codeconduct	NOUN
fsr-3421	577	5	)	)	PUNCT
fsr-3421	577	6	.	.	PUNCT
fsr-3421	578	1	angel	angel	NOUN
fsr-3421	578	2	,	,	PUNCT
fsr-3421	578	3	j.	j.	PROPN
fsr-3421	578	4	j.	j.	PROPN
fsr-3421	578	5	,	,	PUNCT
fsr-3421	578	6	&	&	CCONJ
fsr-3421	578	7	mccabe	mccabe	PROPN
fsr-3421	578	8	,	,	PUNCT
fsr-3421	578	9	d.	d.	PROPN
fsr-3421	578	10	(	(	PUNCT
fsr-3421	578	11	2013	2013	NUM
fsr-3421	578	12	)	)	PUNCT
fsr-3421	578	13	.	.	PUNCT
fsr-3421	579	1	ethical	ethical	ADJ
fsr-3421	579	2	standards	standard	NOUN
fsr-3421	579	3	for	for	ADP
fsr-3421	579	4	stockbrokers	stockbroker	NOUN
fsr-3421	579	5	:	:	PUNCT
fsr-3421	579	6	fiduciary	fiduciary	ADJ
fsr-3421	579	7	or	or	CCONJ
fsr-3421	579	8	suitability	suitability	NOUN
fsr-3421	579	9	?	?	PUNCT
fsr-3421	580	1	journal	journal	NOUN
fsr-3421	580	2	of	of	ADP
fsr-3421	580	3	business	business	NOUN
fsr-3421	580	4	ethics	ethic	NOUN
fsr-3421	580	5	,	,	PUNCT
fsr-3421	580	6	115	115	NUM
fsr-3421	580	7	,	,	PUNCT
fsr-3421	580	8	183–193	183–193	NUM
fsr-3421	580	9	.	.	PUNCT
fsr-3421	581	1	angelova	angelova	PROPN
fsr-3421	581	2	,	,	PUNCT
fsr-3421	581	3	v.	v.	PROPN
fsr-3421	581	4	,	,	PUNCT
fsr-3421	581	5	&	&	CCONJ
fsr-3421	581	6	regner	regner	NOUN
fsr-3421	581	7	,	,	PUNCT
fsr-3421	581	8	t.	t.	PROPN
fsr-3421	581	9	(	(	PUNCT
fsr-3421	581	10	2013	2013	NUM
fsr-3421	581	11	)	)	PUNCT
fsr-3421	581	12	.	.	PUNCT
fsr-3421	582	1	do	do	AUX
fsr-3421	582	2	voluntary	voluntary	ADJ
fsr-3421	582	3	payments	payment	NOUN
fsr-3421	582	4	to	to	ADP
fsr-3421	582	5	advisors	advisor	NOUN
fsr-3421	582	6	improve	improve	VERB
fsr-3421	582	7	the	the	DET
fsr-3421	582	8	quality	quality	NOUN
fsr-3421	582	9	of	of	ADP
fsr-3421	582	10	financial	financial	ADJ
fsr-3421	582	11	advice	advice	NOUN
fsr-3421	582	12	?	?	PUNCT
fsr-3421	583	1	an	an	DET
fsr-3421	583	2	experimental	experimental	ADJ
fsr-3421	583	3	deception	deception	NOUN
fsr-3421	583	4	game	game	NOUN
fsr-3421	583	5	.	.	PUNCT
fsr-3421	584	1	journal	journal	PROPN
fsr-3421	584	2	of	of	ADP
fsr-3421	584	3	economic	economic	ADJ
fsr-3421	584	4	behavior	behavior	NOUN
fsr-3421	584	5	&	&	CCONJ
fsr-3421	584	6	organization	organization	PROPN
fsr-3421	584	7	,	,	PUNCT
fsr-3421	584	8	93	93	NUM
fsr-3421	584	9	,	,	PUNCT
fsr-3421	584	10	205	205	NUM
fsr-3421	584	11	-	-	SYM
fsr-3421	584	12	218	218	NUM
fsr-3421	584	13	.	.	PUNCT
fsr-3421	585	1	asic	asic	NOUN
fsr-3421	585	2	.	.	PUNCT
fsr-3421	586	1	(	(	PUNCT
fsr-3421	586	2	2016	2016	NUM
fsr-3421	586	3	)	)	PUNCT
fsr-3421	586	4	.	.	PUNCT
fsr-3421	587	1	licensing	licensing	NOUN
fsr-3421	587	2	:	:	PUNCT
fsr-3421	587	3	financial	financial	ADJ
fsr-3421	587	4	product	product	NOUN
fsr-3421	587	5	advice	advice	NOUN
fsr-3421	587	6	and	and	CCONJ
fsr-3421	587	7	dealing	dealing	NOUN
fsr-3421	587	8	.	.	PUNCT
fsr-3421	588	1	brisbane	brisbane	PROPN
fsr-3421	588	2	,	,	PUNCT
fsr-3421	588	3	australia	australia	PROPN
fsr-3421	588	4	:	:	PUNCT
fsr-3421	588	5	australian	australian	ADJ
fsr-3421	588	6	securities	securities	PROPN
fsr-3421	588	7	&	&	CCONJ
fsr-3421	588	8	investment	investment	PROPN
fsr-3421	588	9	commission	commission	PROPN
fsr-3421	588	10	.	.	PUNCT
fsr-3421	589	1	(	(	PUNCT
fsr-3421	589	2	available	available	ADJ
fsr-3421	589	3	at	at	ADP
fsr-3421	589	4	https://download.asic.gov.au/media/3889417/rg36-published-8-june-2016.pdf	https://download.asic.gov.au/media/3889417/rg36-published-8-june-2016.pdf	NOUN
fsr-3421	589	5	)	)	PUNCT
fsr-3421	589	6	.	.	PUNCT
fsr-3421	590	1	asic	asic	PROPN
fsr-3421	590	2	.	.	PUNCT
fsr-3421	591	1	(	(	PUNCT
fsr-3421	591	2	2017	2017	NUM
fsr-3421	591	3	)	)	PUNCT
fsr-3421	591	4	.	.	PUNCT
fsr-3421	592	1	financial	financial	ADJ
fsr-3421	592	2	advisers	adviser	NOUN
fsr-3421	592	3	register	register	VERB
fsr-3421	592	4	.	.	PUNCT
fsr-3421	593	1	brisbane	brisbane	PROPN
fsr-3421	593	2	,	,	PUNCT
fsr-3421	593	3	australia	australia	PROPN
fsr-3421	593	4	:	:	PUNCT
fsr-3421	593	5	australian	australian	ADJ
fsr-3421	593	6	securities	securities	PROPN
fsr-3421	593	7	&	&	CCONJ
fsr-3421	593	8	investment	investment	PROPN
fsr-3421	593	9	commission	commission	PROPN
fsr-3421	593	10	.	.	PUNCT
fsr-3421	594	1	(	(	PUNCT
fsr-3421	594	2	available	available	ADJ
fsr-3421	594	3	at	at	ADP
fsr-3421	594	4	from	from	ADP
fsr-3421	594	5	https://www.moneysmart.gov.au/investing/financial-advice/financial-advisers-register	https://www.moneysmart.gov.au/investing/financial-advice/financial-advisers-register	NUM
fsr-3421	594	6	)	)	PUNCT
fsr-3421	594	7	.	.	PUNCT
fsr-3421	595	1	australian	australian	ADJ
fsr-3421	595	2	securities	security	NOUN
fsr-3421	595	3	and	and	CCONJ
fsr-3421	595	4	investments	investment	NOUN
fsr-3421	595	5	commission	commission	PROPN
fsr-3421	595	6	v	v	ADP
fsr-3421	595	7	citigroup	citigroup	PROPN
fsr-3421	595	8	global	global	ADJ
fsr-3421	595	9	markets	market	NOUN
fsr-3421	595	10	australia	australia	PROPN
fsr-3421	595	11	pty	pty	PROPN
fsr-3421	595	12	limited	limited	PROPN
fsr-3421	595	13	(	(	PUNCT
fsr-3421	595	14	acn	acn	PROPN
fsr-3421	595	15	113	113	NUM
fsr-3421	595	16	114	114	NUM
fsr-3421	595	17	832	832	NUM
fsr-3421	595	18	)	)	PUNCT
fsr-3421	595	19	(	(	PUNCT
fsr-3421	595	20	no	no	INTJ
fsr-3421	595	21	.	.	NOUN
fsr-3421	595	22	4	4	NUM
fsr-3421	595	23	)	)	PUNCT
fsr-3421	596	1	[	[	X
fsr-3421	596	2	2007	2007	NUM
fsr-3421	596	3	]	]	X
fsr-3421	596	4	fca	fca	PROPN
fsr-3421	596	5	963	963	NUM
fsr-3421	596	6	.	.	PUNCT
fsr-3421	596	7	batten	batten	PROPN
fsr-3421	596	8	,	,	PUNCT
fsr-3421	596	9	r.	r.	PROPN
fsr-3421	596	10	,	,	PUNCT
fsr-3421	596	11	&	&	CCONJ
fsr-3421	596	12	pearson	pearson	PROPN
fsr-3421	596	13	,	,	PUNCT
fsr-3421	596	14	g.	g.	PROPN
fsr-3421	596	15	(	(	PUNCT
fsr-3421	596	16	2013	2013	NUM
fsr-3421	596	17	)	)	PUNCT
fsr-3421	596	18	.	.	PUNCT
fsr-3421	597	1	financial	financial	ADJ
fsr-3421	597	2	advice	advice	NOUN
fsr-3421	597	3	in	in	ADP
fsr-3421	597	4	australia	australia	PROPN
fsr-3421	597	5	:	:	PUNCT
fsr-3421	597	6	principles	principle	NOUN
fsr-3421	597	7	to	to	ADP
fsr-3421	597	8	proscription	proscription	NOUN
fsr-3421	597	9	;	;	PUNCT
fsr-3421	597	10	managing	manage	VERB
fsr-3421	597	11	to	to	ADP
fsr-3421	597	12	banning	ban	VERB
fsr-3421	597	13	.	.	PUNCT
fsr-3421	598	1	st	st	PROPN
fsr-3421	598	2	.	.	PROPN
fsr-3421	598	3	john	john	PROPN
fsr-3421	598	4	’s	’s	PROPN
fsr-3421	598	5	law	law	PROPN
fsr-3421	598	6	review	review	NOUN
fsr-3421	598	7	,	,	PUNCT
fsr-3421	598	8	87	87	NUM
fsr-3421	598	9	,	,	PUNCT
fsr-3421	598	10	511	511	NUM
fsr-3421	598	11	-	-	SYM
fsr-3421	598	12	559	559	NUM
fsr-3421	598	13	.	.	PUNCT
fsr-3421	598	14	bigel	bigel	NOUN
fsr-3421	598	15	,	,	PUNCT
fsr-3421	598	16	k.	k.	PROPN
fsr-3421	598	17	(	(	PUNCT
fsr-3421	598	18	2000	2000	NUM
fsr-3421	598	19	)	)	PUNCT
fsr-3421	598	20	.	.	PUNCT
fsr-3421	599	1	the	the	DET
fsr-3421	599	2	ethical	ethical	ADJ
fsr-3421	599	3	orientation	orientation	NOUN
fsr-3421	599	4	of	of	ADP
fsr-3421	599	5	financial	financial	ADJ
fsr-3421	599	6	planners	planner	NOUN
fsr-3421	599	7	who	who	PRON
fsr-3421	599	8	are	be	AUX
fsr-3421	599	9	engaged	engage	VERB
fsr-3421	599	10	in	in	ADP
fsr-3421	599	11	investment	investment	NOUN
fsr-3421	599	12	activities	activity	NOUN
fsr-3421	599	13	:	:	PUNCT
fsr-3421	599	14	a	a	DET
fsr-3421	599	15	comparison	comparison	NOUN
fsr-3421	599	16	of	of	ADP
fsr-3421	599	17	united	united	PROPN
fsr-3421	599	18	states	states	PROPN
fsr-3421	599	19	practitioners	practitioner	NOUN
fsr-3421	599	20	based	base	VERB
fsr-3421	599	21	on	on	ADP
fsr-3421	599	22	professionalization	professionalization	NOUN
fsr-3421	599	23	and	and	CCONJ
fsr-3421	599	24	compensation	compensation	NOUN
fsr-3421	599	25	sources	source	NOUN
fsr-3421	599	26	.	.	PUNCT
fsr-3421	600	1	journal	journal	PROPN
fsr-3421	600	2	of	of	ADP
fsr-3421	600	3	business	business	NOUN
fsr-3421	600	4	ethics	ethic	NOUN
fsr-3421	600	5	,	,	PUNCT
fsr-3421	600	6	28	28	NUM
fsr-3421	600	7	,	,	PUNCT
fsr-3421	600	8	323	323	NUM
fsr-3421	600	9	-	-	SYM
fsr-3421	600	10	337	337	NUM
fsr-3421	600	11	.	.	PUNCT
fsr-3421	601	1	boatright	boatright	NOUN
fsr-3421	601	2	,	,	PUNCT
fsr-3421	601	3	j.	j.	PROPN
fsr-3421	601	4	r.	r.	PROPN
fsr-3421	601	5	(	(	PUNCT
fsr-3421	601	6	2000	2000	NUM
fsr-3421	601	7	)	)	PUNCT
fsr-3421	601	8	.	.	PUNCT
fsr-3421	602	1	conflicts	conflict	NOUN
fsr-3421	602	2	of	of	ADP
fsr-3421	602	3	interest	interest	NOUN
fsr-3421	602	4	in	in	ADP
fsr-3421	602	5	financial	financial	ADJ
fsr-3421	602	6	services	service	NOUN
fsr-3421	602	7	.	.	PUNCT
fsr-3421	603	1	business	business	NOUN
fsr-3421	603	2	and	and	CCONJ
fsr-3421	603	3	society	society	NOUN
fsr-3421	603	4	review	review	NOUN
fsr-3421	603	5	,	,	PUNCT
fsr-3421	603	6	105	105	NUM
fsr-3421	603	7	,	,	PUNCT
fsr-3421	603	8	201	201	NUM
fsr-3421	603	9	-	-	SYM
fsr-3421	603	10	219	219	NUM
fsr-3421	603	11	.	.	PUNCT
fsr-3421	604	1	brimble	brimble	ADJ
fsr-3421	604	2	,	,	PUNCT
fsr-3421	604	3	m.	m.	NOUN
fsr-3421	604	4	,	,	PUNCT
fsr-3421	604	5	&	&	CCONJ
fsr-3421	604	6	murphy	murphy	PROPN
fsr-3421	604	7	,	,	PUNCT
fsr-3421	604	8	b.	b.	PROPN
fsr-3421	604	9	(	(	PUNCT
fsr-3421	604	10	2012	2012	NUM
fsr-3421	604	11	)	)	PUNCT
fsr-3421	604	12	.	.	PUNCT
fsr-3421	605	1	past	past	ADJ
fsr-3421	605	2	,	,	PUNCT
fsr-3421	605	3	present	present	ADJ
fsr-3421	605	4	,	,	PUNCT
fsr-3421	605	5	and	and	CCONJ
fsr-3421	605	6	future	future	NOUN
fsr-3421	605	7	:	:	PUNCT
fsr-3421	605	8	the	the	DET
fsr-3421	605	9	role	role	NOUN
fsr-3421	605	10	of	of	ADP
fsr-3421	605	11	tertiary	tertiary	ADJ
fsr-3421	605	12	education	education	NOUN
fsr-3421	605	13	in	in	ADP
fsr-3421	605	14	supporting	support	VERB
fsr-3421	605	15	the	the	DET
fsr-3421	605	16	development	development	NOUN
fsr-3421	605	17	of	of	ADP
fsr-3421	605	18	the	the	DET
fsr-3421	605	19	financial	financial	ADJ
fsr-3421	605	20	planning	planning	NOUN
fsr-3421	605	21	profession	profession	NOUN
fsr-3421	605	22	.	.	PUNCT
fsr-3421	606	1	journal	journal	NOUN
fsr-3421	606	2	of	of	ADP
fsr-3421	606	3	business	business	NOUN
fsr-3421	606	4	ethics	ethic	NOUN
fsr-3421	606	5	education	education	NOUN
fsr-3421	606	6	,	,	PUNCT
fsr-3421	606	7	9	9	NUM
fsr-3421	606	8	,	,	PUNCT
fsr-3421	606	9	105	105	NUM
fsr-3421	606	10	-	-	SYM
fsr-3421	606	11	124	124	NUM
fsr-3421	606	12	.	.	PUNCT
fsr-3421	607	1	calcagno	calcagno	PROPN
fsr-3421	607	2	,	,	PUNCT
fsr-3421	607	3	r.	r.	PROPN
fsr-3421	607	4	,	,	PUNCT
fsr-3421	607	5	giofre	giofre	NOUN
fsr-3421	607	6	,	,	PUNCT
fsr-3421	607	7	m.	m.	NOUN
fsr-3421	607	8	,	,	PUNCT
fsr-3421	607	9	&	&	CCONJ
fsr-3421	607	10	urzi	urzi	NOUN
fsr-3421	607	11	-	-	PUNCT
fsr-3421	607	12	brancati	brancati	NOUN
fsr-3421	607	13	,	,	PUNCT
fsr-3421	607	14	m.	m.	NOUN
fsr-3421	607	15	c.	c.	PROPN
fsr-3421	607	16	(	(	PUNCT
fsr-3421	607	17	2017	2017	NUM
fsr-3421	607	18	)	)	PUNCT
fsr-3421	607	19	.	.	PUNCT
fsr-3421	608	1	to	to	PART
fsr-3421	608	2	trust	trust	VERB
fsr-3421	608	3	is	be	AUX
fsr-3421	608	4	good	good	ADJ
fsr-3421	608	5	,	,	PUNCT
fsr-3421	608	6	but	but	CCONJ
fsr-3421	608	7	to	to	PART
fsr-3421	608	8	control	control	NOUN
fsr-3421	608	9	is	be	AUX
fsr-3421	608	10	better	well	ADJ
fsr-3421	608	11	:	:	PUNCT
fsr-3421	608	12	how	how	SCONJ
fsr-3421	608	13	investors	investor	NOUN
fsr-3421	608	14	discipline	discipline	VERB
fsr-3421	608	15	financial	financial	ADJ
fsr-3421	608	16	advisors	advisor	NOUN
fsr-3421	608	17	’	'	PUNCT
fsr-3421	608	18	activity	activity	NOUN
fsr-3421	608	19	.	.	PUNCT
fsr-3421	609	1	journal	journal	NOUN
fsr-3421	609	2	of	of	ADP
fsr-3421	609	3	economic	economic	ADJ
fsr-3421	609	4	behavior	behavior	NOUN
fsr-3421	609	5	&	&	CCONJ
fsr-3421	609	6	organization	organization	PROPN
fsr-3421	609	7	,	,	PUNCT
fsr-3421	609	8	140	140	NUM
fsr-3421	609	9	,	,	PUNCT
fsr-3421	609	10	287	287	NUM
fsr-3421	609	11	-	-	SYM
fsr-3421	609	12	316	316	NUM
fsr-3421	609	13	.	.	PUNCT
fsr-3421	610	1	chater	chater	NOUN
fsr-3421	610	2	,	,	PUNCT
fsr-3421	610	3	n.	n.	PROPN
fsr-3421	610	4	,	,	PUNCT
fsr-3421	610	5	huck	huck	PROPN
fsr-3421	610	6	,	,	PUNCT
fsr-3421	610	7	s.	s.	PROPN
fsr-3421	610	8	,	,	PUNCT
fsr-3421	610	9	&	&	CCONJ
fsr-3421	610	10	inderst	inderst	PROPN
fsr-3421	610	11	,	,	PUNCT
fsr-3421	610	12	r.	r.	PROPN
fsr-3421	610	13	(	(	PUNCT
fsr-3421	610	14	2010	2010	NUM
fsr-3421	610	15	)	)	PUNCT
fsr-3421	610	16	.	.	PUNCT
fsr-3421	611	1	consumer	consumer	NOUN
fsr-3421	611	2	decision	decision	NOUN
fsr-3421	611	3	-	-	PUNCT
fsr-3421	611	4	making	making	NOUN
fsr-3421	611	5	in	in	ADP
fsr-3421	611	6	retail	retail	ADJ
fsr-3421	611	7	investment	investment	NOUN
fsr-3421	611	8	services	service	NOUN
fsr-3421	611	9	:	:	PUNCT
fsr-3421	611	10	a	a	DET
fsr-3421	611	11	behavioural	behavioural	ADJ
fsr-3421	611	12	economics	economic	NOUN
fsr-3421	611	13	perspective	perspective	NOUN
fsr-3421	611	14	:	:	PUNCT
fsr-3421	611	15	final	final	ADJ
fsr-3421	611	16	report	report	NOUN
fsr-3421	611	17	.	.	PUNCT
fsr-3421	612	1	retrieved	retrieve	VERB
fsr-3421	612	2	apr	apr	NOUN
fsr-3421	612	3	1	1	NUM
fsr-3421	612	4	,	,	PUNCT
fsr-3421	612	5	2019	2019	NUM
fsr-3421	612	6	,	,	PUNCT
fsr-3421	612	7	from	from	ADP
fsr-3421	612	8	https://ec.europa.eu/info/	https://ec.europa.eu/info/	NOUN
fsr-3421	612	9	sites	site	NOUN
fsr-3421	612	10	/	/	SYM
fsr-3421	612	11	info	info	NOUN
fsr-3421	612	12	/	/	SYM
fsr-3421	612	13	files	file	NOUN
fsr-3421	612	14	/	/	SYM
fsr-3421	612	15	retail_investment_services_2010_en.pdf	retail_investment_services_2010_en.pdf	NOUN
fsr-3421	612	16	.	.	PUNCT
fsr-3421	613	1	corporations	corporation	NOUN
fsr-3421	613	2	act	act	VERB
fsr-3421	613	3	2001	2001	NUM
fsr-3421	613	4	(	(	PUNCT
fsr-3421	613	5	cth	cth	PROPN
fsr-3421	613	6	)	)	PUNCT
fsr-3421	613	7	.	.	PUNCT
fsr-3421	614	1	(	(	PUNCT
fsr-3421	614	2	2001	2001	NUM
fsr-3421	614	3	)	)	PUNCT
fsr-3421	614	4	.	.	PUNCT
fsr-3421	615	1	corporations	corporation	NOUN
fsr-3421	615	2	act	act	VERB
fsr-3421	615	3	chapter	chapter	NOUN
fsr-3421	615	4	7	7	NUM
fsr-3421	615	5	act	act	NOUN
fsr-3421	615	6	no	no	INTJ
fsr-3421	615	7	.	.	NOUN
fsr-3421	615	8	50	50	NUM
fsr-3421	615	9	.	.	X
fsr-3421	616	1	cull	cull	NOUN
fsr-3421	616	2	,	,	PUNCT
fsr-3421	616	3	m.	m.	NOUN
fsr-3421	616	4	(	(	PUNCT
fsr-3421	616	5	2009	2009	NUM
fsr-3421	616	6	)	)	PUNCT
fsr-3421	616	7	.	.	PUNCT
fsr-3421	617	1	the	the	DET
fsr-3421	617	2	rise	rise	NOUN
fsr-3421	617	3	of	of	ADP
fsr-3421	617	4	the	the	DET
fsr-3421	617	5	financial	financial	ADJ
fsr-3421	617	6	planning	planning	NOUN
fsr-3421	617	7	industry	industry	NOUN
fsr-3421	617	8	.	.	PUNCT
fsr-3421	618	1	australasian	australasian	ADJ
fsr-3421	618	2	accounting	accounting	NOUN
fsr-3421	618	3	business	business	PROPN
fsr-3421	618	4	&	&	CCONJ
fsr-3421	618	5	finance	finance	PROPN
fsr-3421	618	6	journal	journal	NOUN
fsr-3421	618	7	,	,	PUNCT
fsr-3421	618	8	3	3	NUM
fsr-3421	618	9	,	,	PUNCT
fsr-3421	618	10	26	26	NUM
fsr-3421	618	11	-	-	SYM
fsr-3421	618	12	37	37	NUM
fsr-3421	618	13	.	.	PUNCT
fsr-3421	619	1	cull	cull	NOUN
fsr-3421	619	2	,	,	PUNCT
fsr-3421	619	3	m.	m.	NOUN
fsr-3421	619	4	,	,	PUNCT
fsr-3421	619	5	&	&	CCONJ
fsr-3421	619	6	bowyer	bowyer	PROPN
fsr-3421	619	7	,	,	PUNCT
fsr-3421	619	8	d.	d.	PROPN
fsr-3421	619	9	(	(	PUNCT
fsr-3421	619	10	2017	2017	NUM
fsr-3421	619	11	)	)	PUNCT
fsr-3421	619	12	.	.	PUNCT
fsr-3421	620	1	ethics	ethic	NOUN
fsr-3421	620	2	in	in	ADP
fsr-3421	620	3	financial	financial	ADJ
fsr-3421	620	4	planning	planning	NOUN
fsr-3421	620	5	:	:	PUNCT
fsr-3421	620	6	myth	myth	NOUN
fsr-3421	620	7	,	,	PUNCT
fsr-3421	620	8	fact	fact	NOUN
fsr-3421	620	9	or	or	CCONJ
fsr-3421	620	10	rhetoric	rhetoric	NOUN
fsr-3421	620	11	paradox	paradox	NOUN
fsr-3421	620	12	?	?	PUNCT
fsr-3421	621	1	e	e	NOUN
fsr-3421	621	2	journal	journal	NOUN
fsr-3421	621	3	of	of	ADP
fsr-3421	621	4	social	social	ADJ
fsr-3421	621	5	&	&	CCONJ
fsr-3421	621	6	behavioural	behavioural	ADJ
fsr-3421	621	7	research	research	NOUN
fsr-3421	621	8	in	in	ADP
fsr-3421	621	9	business	business	NOUN
fsr-3421	621	10	,	,	PUNCT
fsr-3421	621	11	8	8	NUM
fsr-3421	621	12	,	,	PUNCT
fsr-3421	621	13	56	56	NUM
fsr-3421	621	14	-	-	SYM
fsr-3421	621	15	69	69	NUM
fsr-3421	621	16	.	.	PUNCT
fsr-3421	622	1	cull	cull	NOUN
fsr-3421	622	2	,	,	PUNCT
fsr-3421	622	3	m.	m.	NOUN
fsr-3421	622	4	,	,	PUNCT
fsr-3421	622	5	&	&	CCONJ
fsr-3421	622	6	sloan	sloan	PROPN
fsr-3421	622	7	,	,	PUNCT
fsr-3421	622	8	t.	t.	PROPN
fsr-3421	622	9	(	(	PUNCT
fsr-3421	622	10	2016	2016	NUM
fsr-3421	622	11	)	)	PUNCT
fsr-3421	622	12	.	.	PUNCT
fsr-3421	623	1	characteristics	characteristic	NOUN
fsr-3421	623	2	of	of	ADP
fsr-3421	623	3	trust	trust	NOUN
fsr-3421	623	4	in	in	ADP
fsr-3421	623	5	personal	personal	ADJ
fsr-3421	623	6	financial	financial	ADJ
fsr-3421	623	7	planning	planning	NOUN
fsr-3421	623	8	.	.	PUNCT
fsr-3421	624	1	financial	financial	ADJ
fsr-3421	624	2	planning	planning	NOUN
fsr-3421	624	3	research	research	NOUN
fsr-3421	624	4	journal	journal	NOUN
fsr-3421	624	5	,	,	PUNCT
fsr-3421	624	6	2	2	NUM
fsr-3421	624	7	,	,	PUNCT
fsr-3421	624	8	12	12	NUM
fsr-3421	624	9	-	-	SYM
fsr-3421	624	10	35	35	NUM
fsr-3421	624	11	.	.	PUNCT
fsr-3421	625	1	egan	egan	PROPN
fsr-3421	625	2	,	,	PUNCT
fsr-3421	625	3	m.	m.	NOUN
fsr-3421	625	4	,	,	PUNCT
fsr-3421	625	5	matvos	matvos	PROPN
fsr-3421	625	6	,	,	PUNCT
fsr-3421	625	7	g.	g.	PROPN
fsr-3421	625	8	,	,	PUNCT
fsr-3421	625	9	&	&	CCONJ
fsr-3421	625	10	seru	seru	PROPN
fsr-3421	625	11	,	,	PUNCT
fsr-3421	625	12	a.	a.	PROPN
fsr-3421	625	13	(	(	PUNCT
fsr-3421	625	14	2019	2019	NUM
fsr-3421	625	15	)	)	PUNCT
fsr-3421	625	16	.	.	PUNCT
fsr-3421	626	1	the	the	DET
fsr-3421	626	2	market	market	NOUN
fsr-3421	626	3	for	for	ADP
fsr-3421	626	4	financial	financial	ADJ
fsr-3421	626	5	adviser	adviser	NOUN
fsr-3421	626	6	misconduct	misconduct	NOUN
fsr-3421	626	7	.	.	PUNCT
fsr-3421	627	1	journal	journal	NOUN
fsr-3421	627	2	of	of	ADP
fsr-3421	627	3	political	political	ADJ
fsr-3421	627	4	economy	economy	NOUN
fsr-3421	627	5	,	,	PUNCT
fsr-3421	627	6	127	127	NUM
fsr-3421	627	7	,	,	PUNCT
fsr-3421	627	8	233	233	NUM
fsr-3421	627	9	-	-	SYM
fsr-3421	627	10	295	295	NUM
fsr-3421	627	11	.	.	PUNCT
fsr-3421	628	1	fasea	fasea	NOUN
fsr-3421	628	2	.	.	PUNCT
fsr-3421	629	1	(	(	PUNCT
fsr-3421	629	2	2018	2018	NUM
fsr-3421	629	3	)	)	PUNCT
fsr-3421	629	4	.	.	PUNCT
fsr-3421	630	1	fasea	fasea	PROPN
fsr-3421	630	2	standards	standard	NOUN
fsr-3421	630	3	summary	summary	NOUN
fsr-3421	630	4	.	.	PUNCT
fsr-3421	631	1	fasea	fasea	PROPN
fsr-3421	631	2	.	.	PUNCT
fsr-3421	632	1	(	(	PUNCT
fsr-3421	632	2	available	available	ADJ
fsr-3421	632	3	at	at	ADP
fsr-3421	632	4	https://www.fasea.gov.au/wp-content/	https://www.fasea.gov.au/wp-content/	PROPN
fsr-3421	632	5	uploads/2018/11	uploads/2018/11	PROPN
fsr-3421	632	6	/	/	SYM
fsr-3421	632	7	standards	standard	NOUN
fsr-3421	632	8	-	-	PUNCT
fsr-3421	632	9	summary.pdf	summary.pdf	X
fsr-3421	632	10	)	)	PUNCT
fsr-3421	632	11	.	.	PUNCT
fsr-3421	633	1	fasea	fasea	PROPN
fsr-3421	633	2	.	.	PUNCT
fsr-3421	634	1	(	(	PUNCT
fsr-3421	634	2	2019	2019	NUM
fsr-3421	634	3	)	)	PUNCT
fsr-3421	634	4	.	.	PUNCT
fsr-3421	635	1	financial	financial	ADJ
fsr-3421	635	2	planners	planner	NOUN
fsr-3421	635	3	and	and	CCONJ
fsr-3421	635	4	advisers	adviser	NOUN
fsr-3421	635	5	code	code	PROPN
fsr-3421	635	6	of	of	ADP
fsr-3421	635	7	ethics	ethic	NOUN
fsr-3421	635	8	2019	2019	NUM
fsr-3421	635	9	.	.	PUNCT
fsr-3421	636	1	fasea	fasea	NOUN
fsr-3421	636	2	.	.	PUNCT
fsr-3421	637	1	(	(	PUNCT
fsr-3421	637	2	available	available	ADJ
fsr-3421	637	3	at	at	ADP
fsr-3421	637	4	https://www	https://www	PROPN
fsr-3421	637	5	.	.	PUNCT
fsr-3421	637	6	legislation.gov.au/details/f2019l00117	legislation.gov.au/details/f2019l00117	PROPN
fsr-3421	637	7	)	)	PUNCT
fsr-3421	637	8	.	.	PUNCT
fsr-3421	638	1	foerster	foerster	PROPN
fsr-3421	638	2	,	,	PUNCT
fsr-3421	638	3	s.	s.	PROPN
fsr-3421	638	4	,	,	PUNCT
fsr-3421	638	5	linnainmaa	linnainmaa	PROPN
fsr-3421	638	6	,	,	PUNCT
fsr-3421	638	7	j.	j.	PROPN
fsr-3421	638	8	t.	t.	PROPN
fsr-3421	638	9	,	,	PUNCT
fsr-3421	638	10	melzer	melzer	PROPN
fsr-3421	638	11	,	,	PUNCT
fsr-3421	638	12	b.	b.	PROPN
fsr-3421	638	13	t.	t.	PROPN
fsr-3421	638	14	,	,	PUNCT
fsr-3421	638	15	&	&	CCONJ
fsr-3421	638	16	previtero	previtero	PROPN
fsr-3421	638	17	,	,	PUNCT
fsr-3421	638	18	a.	a.	NOUN
fsr-3421	638	19	(	(	PUNCT
fsr-3421	638	20	2017	2017	NUM
fsr-3421	638	21	)	)	PUNCT
fsr-3421	638	22	.	.	PUNCT
fsr-3421	639	1	retail	retail	ADJ
fsr-3421	639	2	financial	financial	ADJ
fsr-3421	639	3	advice	advice	NOUN
fsr-3421	639	4	:	:	PUNCT
fsr-3421	639	5	does	do	AUX
fsr-3421	639	6	one	one	NUM
fsr-3421	639	7	size	size	NOUN
fsr-3421	639	8	fit	fit	VERB
fsr-3421	639	9	all	all	PRON
fsr-3421	639	10	?	?	PUNCT
fsr-3421	640	1	the	the	DET
fsr-3421	640	2	journal	journal	NOUN
fsr-3421	640	3	of	of	ADP
fsr-3421	640	4	finance	finance	NOUN
fsr-3421	640	5	,	,	PUNCT
fsr-3421	640	6	72	72	NUM
fsr-3421	640	7	,	,	PUNCT
fsr-3421	640	8	1441	1441	NUM
fsr-3421	640	9	-	-	SYM
fsr-3421	640	10	1482	1482	NUM
fsr-3421	640	11	.	.	PUNCT
fsr-3421	641	1	fpa	fpa	PROPN
fsr-3421	641	2	.	.	PUNCT
fsr-3421	642	1	(	(	PUNCT
fsr-3421	642	2	2013	2013	NUM
fsr-3421	642	3	)	)	PUNCT
fsr-3421	642	4	.	.	PUNCT
fsr-3421	643	1	the	the	DET
fsr-3421	643	2	pillars	pillar	NOUN
fsr-3421	643	3	of	of	ADP
fsr-3421	643	4	our	our	PRON
fsr-3421	643	5	profession	profession	NOUN
fsr-3421	643	6	:	:	PUNCT
fsr-3421	643	7	code	code	NOUN
fsr-3421	643	8	of	of	ADP
fsr-3421	643	9	professional	professional	ADJ
fsr-3421	643	10	practice	practice	NOUN
fsr-3421	643	11	.	.	PUNCT
fsr-3421	644	1	financial	financial	ADJ
fsr-3421	644	2	planning	planning	PROPN
fsr-3421	644	3	association	association	PROPN
fsr-3421	644	4	of	of	ADP
fsr-3421	644	5	australia	australia	PROPN
fsr-3421	644	6	ltd	ltd	PROPN
fsr-3421	644	7	.	.	PROPN
fsr-3421	645	1	(	(	PUNCT
fsr-3421	645	2	available	available	ADJ
fsr-3421	645	3	at	at	ADP
fsr-3421	645	4	https://fpa.com.au/wp-content/uploads/2015/09/fpa_codeofpractice_july2013.pdf	https://fpa.com.au/wp-content/uploads/2015/09/fpa_codeofpractice_july2013.pdf	NOUN
fsr-3421	645	5	)	)	PUNCT
fsr-3421	645	6	.	.	PUNCT
fsr-3421	646	1	gennaioli	gennaioli	ADV
fsr-3421	646	2	,	,	PUNCT
fsr-3421	646	3	n.	n.	NOUN
fsr-3421	646	4	,	,	PUNCT
fsr-3421	646	5	shleifer	shleifer	PROPN
fsr-3421	646	6	,	,	PUNCT
fsr-3421	646	7	a.	a.	PROPN
fsr-3421	646	8	,	,	PUNCT
fsr-3421	646	9	&	&	CCONJ
fsr-3421	646	10	vishny	vishny	PROPN
fsr-3421	646	11	,	,	PUNCT
fsr-3421	646	12	r.	r.	PROPN
fsr-3421	646	13	(	(	PUNCT
fsr-3421	646	14	2015	2015	NUM
fsr-3421	646	15	)	)	PUNCT
fsr-3421	646	16	.	.	PUNCT
fsr-3421	647	1	money	money	NOUN
fsr-3421	647	2	doctors	doctor	NOUN
fsr-3421	647	3	.	.	PUNCT
fsr-3421	648	1	the	the	DET
fsr-3421	648	2	journal	journal	PROPN
fsr-3421	648	3	of	of	ADP
fsr-3421	648	4	finance	finance	NOUN
fsr-3421	648	5	,	,	PUNCT
fsr-3421	648	6	70	70	NUM
fsr-3421	648	7	,	,	PUNCT
fsr-3421	648	8	91	91	NUM
fsr-3421	648	9	-	-	SYM
fsr-3421	648	10	114	114	NUM
fsr-3421	648	11	.	.	PUNCT
fsr-3421	649	1	glover	glover	PROPN
fsr-3421	649	2	,	,	PUNCT
fsr-3421	649	3	j.	j.	PROPN
fsr-3421	649	4	(	(	PUNCT
fsr-3421	649	5	2002	2002	NUM
fsr-3421	649	6	)	)	PUNCT
fsr-3421	649	7	.	.	PUNCT
fsr-3421	650	1	conflicts	conflict	NOUN
fsr-3421	650	2	of	of	ADP
fsr-3421	650	3	interest	interest	NOUN
fsr-3421	650	4	,	,	PUNCT
fsr-3421	650	5	conflicts	conflict	NOUN
fsr-3421	650	6	of	of	ADP
fsr-3421	650	7	duty	duty	NOUN
fsr-3421	650	8	and	and	CCONJ
fsr-3421	650	9	the	the	DET
fsr-3421	650	10	information	information	NOUN
fsr-3421	650	11	professional	professional	NOUN
fsr-3421	650	12	.	.	PUNCT
fsr-3421	651	1	adelaide	adelaide	PROPN
fsr-3421	651	2	law	law	PROPN
fsr-3421	651	3	review	review	PROPN
fsr-3421	651	4	,	,	PUNCT
fsr-3421	651	5	23	23	NUM
fsr-3421	651	6	,	,	PUNCT
fsr-3421	651	7	215	215	NUM
fsr-3421	651	8	-	-	SYM
fsr-3421	651	9	242	242	NUM
fsr-3421	651	10	.	.	PUNCT
fsr-3421	652	1	hackethal	hackethal	PROPN
fsr-3421	652	2	,	,	PUNCT
fsr-3421	652	3	a.	a.	NOUN
fsr-3421	652	4	,	,	PUNCT
fsr-3421	652	5	haliassos	haliassos	NOUN
fsr-3421	652	6	,	,	PUNCT
fsr-3421	652	7	m.	m.	NOUN
fsr-3421	652	8	,	,	PUNCT
fsr-3421	652	9	&	&	CCONJ
fsr-3421	652	10	jappelli	jappelli	PROPN
fsr-3421	652	11	,	,	PUNCT
fsr-3421	652	12	t.	t.	PROPN
fsr-3421	652	13	(	(	PUNCT
fsr-3421	652	14	2012	2012	NUM
fsr-3421	652	15	)	)	PUNCT
fsr-3421	652	16	.	.	PUNCT
fsr-3421	653	1	financial	financial	ADJ
fsr-3421	653	2	advisors	advisor	NOUN
fsr-3421	653	3	:	:	PUNCT
fsr-3421	653	4	a	a	DET
fsr-3421	653	5	case	case	NOUN
fsr-3421	653	6	of	of	ADP
fsr-3421	653	7	babysitters	babysitter	NOUN
fsr-3421	653	8	?	?	PUNCT
fsr-3421	654	1	journal	journal	NOUN
fsr-3421	654	2	of	of	ADP
fsr-3421	654	3	banking	banking	NOUN
fsr-3421	654	4	&	&	CCONJ
fsr-3421	654	5	finance	finance	PROPN
fsr-3421	654	6	,	,	PUNCT
fsr-3421	654	7	36	36	NUM
fsr-3421	654	8	,	,	PUNCT
fsr-3421	654	9	509	509	NUM
fsr-3421	654	10	-	-	SYM
fsr-3421	654	11	524	524	NUM
fsr-3421	654	12	.	.	PUNCT
fsr-3421	655	1	156	156	NUM
fsr-3421	655	2	d.	d.	PROPN
fsr-3421	655	3	w.	w.	PROPN
fsr-3421	655	4	richards	richards	PROPN
fsr-3421	655	5	,	,	PUNCT
fsr-3421	655	6	e.	e.	PROPN
fsr-3421	655	7	f.	f.	PROPN
fsr-3421	655	8	morton	morton	PROPN
fsr-3421	655	9	/	/	SYM
fsr-3421	655	10	financial	financial	ADJ
fsr-3421	655	11	services	service	NOUN
fsr-3421	655	12	review	review	VERB
fsr-3421	655	13	28	28	NUM
fsr-3421	655	14	(	(	PUNCT
fsr-3421	655	15	2020	2020	NUM
fsr-3421	655	16	)	)	PUNCT
fsr-3421	655	17	133–158	133–158	NUM
fsr-3421	655	18	hayne	hayne	NOUN
fsr-3421	655	19	,	,	PUNCT
fsr-3421	655	20	k.	k.	PROPN
fsr-3421	655	21	(	(	PUNCT
fsr-3421	655	22	2018	2018	NUM
fsr-3421	655	23	)	)	PUNCT
fsr-3421	655	24	.	.	PUNCT
fsr-3421	656	1	interim	interim	ADJ
fsr-3421	656	2	report	report	PROPN
fsr-3421	656	3	royal	royal	PROPN
fsr-3421	656	4	commission	commission	PROPN
fsr-3421	656	5	into	into	ADP
fsr-3421	656	6	misconduct	misconduct	NOUN
fsr-3421	656	7	in	in	ADP
fsr-3421	656	8	the	the	DET
fsr-3421	656	9	banking	banking	NOUN
fsr-3421	656	10	,	,	PUNCT
fsr-3421	656	11	superannuation	superannuation	NOUN
fsr-3421	656	12	and	and	CCONJ
fsr-3421	656	13	financial	financial	ADJ
fsr-3421	656	14	services	service	NOUN
fsr-3421	656	15	industry	industry	NOUN
fsr-3421	656	16	volume	volume	NOUN
fsr-3421	656	17	1	1	NUM
fsr-3421	656	18	.	.	PUNCT
fsr-3421	657	1	(	(	PUNCT
fsr-3421	657	2	available	available	ADJ
fsr-3421	657	3	at	at	ADP
fsr-3421	657	4	https://financialservices.royalcommission.gov.au/	https://financialservices.royalcommission.gov.au/	PROPN
fsr-3421	657	5	documents	document	NOUN
fsr-3421	657	6	/	/	SYM
fsr-3421	657	7	interim	interim	ADJ
fsr-3421	657	8	-	-	PUNCT
fsr-3421	657	9	report	report	NOUN
fsr-3421	657	10	/	/	SYM
fsr-3421	657	11	interim	interim	ADJ
fsr-3421	657	12	-	-	PUNCT
fsr-3421	657	13	report	report	NOUN
fsr-3421	657	14	-	-	PUNCT
fsr-3421	657	15	volume-1.pdf	volume-1.pdf	NOUN
fsr-3421	657	16	)	)	PUNCT
fsr-3421	657	17	.	.	PUNCT
fsr-3421	658	1	hayne	hayne	PROPN
fsr-3421	658	2	,	,	PUNCT
fsr-3421	658	3	k.	k.	PROPN
fsr-3421	658	4	(	(	PUNCT
fsr-3421	658	5	2019	2019	NUM
fsr-3421	658	6	)	)	PUNCT
fsr-3421	658	7	.	.	PUNCT
fsr-3421	659	1	final	final	ADJ
fsr-3421	659	2	report	report	NOUN
fsr-3421	659	3	royal	royal	PROPN
fsr-3421	659	4	commission	commission	PROPN
fsr-3421	659	5	into	into	ADP
fsr-3421	659	6	misconduct	misconduct	NOUN
fsr-3421	659	7	in	in	ADP
fsr-3421	659	8	the	the	DET
fsr-3421	659	9	banking	banking	NOUN
fsr-3421	659	10	,	,	PUNCT
fsr-3421	659	11	superannuation	superannuation	NOUN
fsr-3421	659	12	and	and	CCONJ
fsr-3421	659	13	financial	financial	ADJ
fsr-3421	659	14	services	service	NOUN
fsr-3421	659	15	industry	industry	NOUN
fsr-3421	659	16	volume	volume	NOUN
fsr-3421	659	17	1	1	NUM
fsr-3421	659	18	.	.	PUNCT
fsr-3421	660	1	commonwealth	commonwealth	PROPN
fsr-3421	660	2	of	of	ADP
fsr-3421	660	3	australia	australia	PROPN
fsr-3421	660	4	.	.	PUNCT
fsr-3421	661	1	(	(	PUNCT
fsr-3421	661	2	available	available	ADJ
fsr-3421	661	3	at	at	ADP
fsr-3421	661	4	https://www.royalcommission.gov.au/	https://www.royalcommission.gov.au/	PROPN
fsr-3421	661	5	sites	site	NOUN
fsr-3421	661	6	/	/	SYM
fsr-3421	661	7	default	default	NOUN
fsr-3421	661	8	/	/	SYM
fsr-3421	661	9	files/2019	files/2019	NOUN
fsr-3421	661	10	-	-	PUNCT
fsr-3421	661	11	02	02	NUM
fsr-3421	661	12	/	/	SYM
fsr-3421	661	13	fsrc	fsrc	NOUN
fsr-3421	661	14	-	-	PUNCT
fsr-3421	661	15	volume-1	volume-1	NOUN
fsr-3421	661	16	-	-	PUNCT
fsr-3421	661	17	final	final	ADJ
fsr-3421	661	18	-	-	PUNCT
fsr-3421	661	19	report.pdf	report.pdf	NOUN
fsr-3421	661	20	)	)	PUNCT
fsr-3421	661	21	.	.	PUNCT
fsr-3421	662	1	heckman	heckman	PROPN
fsr-3421	662	2	,	,	PUNCT
fsr-3421	662	3	s.	s.	PROPN
fsr-3421	662	4	j.	j.	PROPN
fsr-3421	662	5	,	,	PUNCT
fsr-3421	662	6	seay	seay	PROPN
fsr-3421	662	7	,	,	PUNCT
fsr-3421	662	8	m.	m.	PROPN
fsr-3421	662	9	c.	c.	PROPN
fsr-3421	662	10	,	,	PUNCT
fsr-3421	662	11	kim	kim	PROPN
fsr-3421	662	12	,	,	PUNCT
fsr-3421	662	13	k.	k.	PROPN
fsr-3421	662	14	t.	t.	PROPN
fsr-3421	662	15	,	,	PUNCT
fsr-3421	662	16	&	&	CCONJ
fsr-3421	662	17	letkiewicz	letkiewicz	PROPN
fsr-3421	662	18	,	,	PUNCT
fsr-3421	662	19	j.	j.	PROPN
fsr-3421	662	20	c.	c.	PROPN
fsr-3421	662	21	(	(	PUNCT
fsr-3421	662	22	2016	2016	NUM
fsr-3421	662	23	)	)	PUNCT
fsr-3421	662	24	.	.	PUNCT
fsr-3421	663	1	household	household	NOUN
fsr-3421	663	2	use	use	NOUN
fsr-3421	663	3	of	of	ADP
fsr-3421	663	4	financial	financial	ADJ
fsr-3421	663	5	planners	planner	NOUN
fsr-3421	663	6	:	:	PUNCT
fsr-3421	663	7	measurement	measurement	NOUN
fsr-3421	663	8	considerations	consideration	NOUN
fsr-3421	663	9	for	for	ADP
fsr-3421	663	10	researchers	researcher	NOUN
fsr-3421	663	11	.	.	PUNCT
fsr-3421	664	1	financial	financial	ADJ
fsr-3421	664	2	services	service	NOUN
fsr-3421	664	3	review	review	PROPN
fsr-3421	664	4	,	,	PUNCT
fsr-3421	664	5	25	25	NUM
fsr-3421	664	6	,	,	PUNCT
fsr-3421	664	7	427	427	NUM
fsr-3421	664	8	-	-	SYM
fsr-3421	664	9	446	446	NUM
fsr-3421	664	10	.	.	PUNCT
fsr-3421	665	1	hoechle	hoechle	PROPN
fsr-3421	665	2	,	,	PUNCT
fsr-3421	665	3	d.	d.	PROPN
fsr-3421	665	4	,	,	PUNCT
fsr-3421	665	5	ruenzi	ruenzi	PROPN
fsr-3421	665	6	,	,	PUNCT
fsr-3421	665	7	s.	s.	PROPN
fsr-3421	665	8	,	,	PUNCT
fsr-3421	665	9	schaub	schaub	PROPN
fsr-3421	665	10	,	,	PUNCT
fsr-3421	665	11	n.	n.	NOUN
fsr-3421	665	12	,	,	PUNCT
fsr-3421	665	13	&	&	CCONJ
fsr-3421	665	14	schmid	schmid	PROPN
fsr-3421	665	15	,	,	PUNCT
fsr-3421	665	16	m.	m.	NOUN
fsr-3421	665	17	(	(	PUNCT
fsr-3421	665	18	2018	2018	NUM
fsr-3421	665	19	)	)	PUNCT
fsr-3421	665	20	.	.	PUNCT
fsr-3421	666	1	financial	financial	ADJ
fsr-3421	666	2	advice	advice	NOUN
fsr-3421	666	3	and	and	CCONJ
fsr-3421	666	4	bank	bank	NOUN
fsr-3421	666	5	profits	profit	NOUN
fsr-3421	666	6	.	.	PUNCT
fsr-3421	667	1	the	the	DET
fsr-3421	667	2	review	review	NOUN
fsr-3421	667	3	of	of	ADP
fsr-3421	667	4	financial	financial	ADJ
fsr-3421	667	5	studies	study	NOUN
fsr-3421	667	6	,	,	PUNCT
fsr-3421	667	7	31	31	NUM
fsr-3421	667	8	,	,	PUNCT
fsr-3421	667	9	4447	4447	NUM
fsr-3421	667	10	-	-	SYM
fsr-3421	667	11	4492	4492	NUM
fsr-3421	667	12	.	.	PUNCT
fsr-3421	668	1	holzmann	holzmann	PROPN
fsr-3421	668	2	,	,	PUNCT
fsr-3421	668	3	r.	r.	PROPN
fsr-3421	668	4	(	(	PUNCT
fsr-3421	668	5	2013	2013	NUM
fsr-3421	668	6	)	)	PUNCT
fsr-3421	668	7	.	.	PUNCT
fsr-3421	669	1	global	global	ADJ
fsr-3421	669	2	pension	pension	NOUN
fsr-3421	669	3	systems	system	NOUN
fsr-3421	669	4	and	and	CCONJ
fsr-3421	669	5	their	their	PRON
fsr-3421	669	6	reform	reform	NOUN
fsr-3421	669	7	:	:	PUNCT
fsr-3421	669	8	worldwide	worldwide	ADJ
fsr-3421	669	9	drivers	driver	NOUN
fsr-3421	669	10	,	,	PUNCT
fsr-3421	669	11	trends	trend	NOUN
fsr-3421	669	12	and	and	CCONJ
fsr-3421	669	13	challenges	challenge	NOUN
fsr-3421	669	14	.	.	PUNCT
fsr-3421	670	1	international	international	ADJ
fsr-3421	670	2	social	social	ADJ
fsr-3421	670	3	security	security	NOUN
fsr-3421	670	4	review	review	NOUN
fsr-3421	670	5	,	,	PUNCT
fsr-3421	670	6	66	66	NUM
fsr-3421	670	7	,	,	PUNCT
fsr-3421	670	8	1	1	NUM
fsr-3421	670	9	-	-	SYM
fsr-3421	670	10	29	29	NUM
fsr-3421	670	11	.	.	PUNCT
fsr-3421	671	1	hsieh	hsieh	PROPN
fsr-3421	671	2	,	,	PUNCT
fsr-3421	671	3	h.-f	h.-f	NOUN
fsr-3421	671	4	.	.	PUNCT
fsr-3421	671	5	,	,	PUNCT
fsr-3421	671	6	&	&	CCONJ
fsr-3421	671	7	shannon	shannon	PROPN
fsr-3421	671	8	,	,	PUNCT
fsr-3421	671	9	s.	s.	PROPN
fsr-3421	671	10	e.	e.	PROPN
fsr-3421	671	11	(	(	PUNCT
fsr-3421	671	12	2005	2005	NUM
fsr-3421	671	13	)	)	PUNCT
fsr-3421	671	14	.	.	PUNCT
fsr-3421	672	1	three	three	NUM
fsr-3421	672	2	approaches	approach	NOUN
fsr-3421	672	3	to	to	ADP
fsr-3421	672	4	qualitative	qualitative	ADJ
fsr-3421	672	5	content	content	NOUN
fsr-3421	672	6	analysis	analysis	NOUN
fsr-3421	672	7	.	.	PUNCT
fsr-3421	673	1	qualitative	qualitative	ADJ
fsr-3421	673	2	health	health	NOUN
fsr-3421	673	3	research	research	NOUN
fsr-3421	673	4	,	,	PUNCT
fsr-3421	673	5	15	15	NUM
fsr-3421	673	6	,	,	PUNCT
fsr-3421	673	7	1277	1277	NUM
fsr-3421	673	8	-	-	SYM
fsr-3421	673	9	1288	1288	NUM
fsr-3421	673	10	.	.	PUNCT
fsr-3421	674	1	hunt	hunt	NOUN
fsr-3421	674	2	,	,	PUNCT
fsr-3421	674	3	k.	k.	PROPN
fsr-3421	674	4	,	,	PUNCT
fsr-3421	674	5	brimble	brimble	ADJ
fsr-3421	674	6	,	,	PUNCT
fsr-3421	674	7	m.	m.	NOUN
fsr-3421	674	8	,	,	PUNCT
fsr-3421	674	9	&	&	CCONJ
fsr-3421	674	10	freudenberg	freudenberg	PROPN
fsr-3421	674	11	,	,	PUNCT
fsr-3421	674	12	b.	b.	PROPN
fsr-3421	674	13	(	(	PUNCT
fsr-3421	674	14	2011	2011	NUM
fsr-3421	674	15	)	)	PUNCT
fsr-3421	674	16	.	.	PUNCT
fsr-3421	675	1	determinants	determinant	NOUN
fsr-3421	675	2	of	of	ADP
fsr-3421	675	3	client	client	NOUN
fsr-3421	675	4	-	-	PUNCT
fsr-3421	675	5	professional	professional	ADJ
fsr-3421	675	6	relationship	relationship	NOUN
fsr-3421	675	7	quality	quality	NOUN
fsr-3421	675	8	in	in	ADP
fsr-3421	675	9	the	the	DET
fsr-3421	675	10	financial	financial	ADJ
fsr-3421	675	11	planning	planning	NOUN
fsr-3421	675	12	setting	setting	NOUN
fsr-3421	675	13	.	.	PUNCT
fsr-3421	676	1	australasian	australasian	ADJ
fsr-3421	676	2	accounting	accounting	NOUN
fsr-3421	676	3	,	,	PUNCT
fsr-3421	676	4	business	business	NOUN
fsr-3421	676	5	and	and	CCONJ
fsr-3421	676	6	finance	finance	NOUN
fsr-3421	676	7	journal	journal	NOUN
fsr-3421	676	8	,	,	PUNCT
fsr-3421	676	9	5	5	NUM
fsr-3421	676	10	,	,	PUNCT
fsr-3421	676	11	69	69	NUM
fsr-3421	676	12	-	-	SYM
fsr-3421	676	13	100	100	NUM
fsr-3421	676	14	.	.	PUNCT
fsr-3421	677	1	inderst	inderst	PROPN
fsr-3421	677	2	,	,	PUNCT
fsr-3421	677	3	r.	r.	PROPN
fsr-3421	677	4	,	,	PUNCT
fsr-3421	677	5	&	&	CCONJ
fsr-3421	677	6	ottaviani	ottaviani	PROPN
fsr-3421	677	7	,	,	PUNCT
fsr-3421	677	8	m.	m.	NOUN
fsr-3421	677	9	(	(	PUNCT
fsr-3421	677	10	2009	2009	NUM
fsr-3421	677	11	)	)	PUNCT
fsr-3421	677	12	.	.	PUNCT
fsr-3421	678	1	misselling	misselle	VERB
fsr-3421	678	2	through	through	ADP
fsr-3421	678	3	agents	agent	NOUN
fsr-3421	678	4	.	.	PUNCT
fsr-3421	679	1	american	american	PROPN
fsr-3421	679	2	economic	economic	PROPN
fsr-3421	679	3	review	review	PROPN
fsr-3421	679	4	,	,	PUNCT
fsr-3421	679	5	99	99	NUM
fsr-3421	679	6	,	,	PUNCT
fsr-3421	679	7	883	883	NUM
fsr-3421	679	8	-	-	SYM
fsr-3421	679	9	908	908	NUM
fsr-3421	679	10	.	.	PUNCT
fsr-3421	680	1	inderst	inderst	PROPN
fsr-3421	680	2	,	,	PUNCT
fsr-3421	680	3	r.	r.	PROPN
fsr-3421	680	4	,	,	PUNCT
fsr-3421	680	5	&	&	CCONJ
fsr-3421	680	6	ottaviani	ottaviani	PROPN
fsr-3421	680	7	,	,	PUNCT
fsr-3421	680	8	m.	m.	NOUN
fsr-3421	680	9	(	(	PUNCT
fsr-3421	680	10	2012a	2012a	NUM
fsr-3421	680	11	)	)	PUNCT
fsr-3421	680	12	.	.	PUNCT
fsr-3421	681	1	competition	competition	NOUN
fsr-3421	681	2	through	through	ADP
fsr-3421	681	3	commissions	commission	NOUN
fsr-3421	681	4	and	and	CCONJ
fsr-3421	681	5	kickbacks	kickback	NOUN
fsr-3421	681	6	.	.	PUNCT
fsr-3421	682	1	american	american	PROPN
fsr-3421	682	2	economic	economic	PROPN
fsr-3421	682	3	review	review	PROPN
fsr-3421	682	4	,	,	PUNCT
fsr-3421	682	5	102	102	NUM
fsr-3421	682	6	,	,	PUNCT
fsr-3421	682	7	780	780	NUM
fsr-3421	682	8	-	-	SYM
fsr-3421	682	9	809	809	NUM
fsr-3421	682	10	.	.	PUNCT
fsr-3421	683	1	inderst	inderst	PROPN
fsr-3421	683	2	,	,	PUNCT
fsr-3421	683	3	r.	r.	PROPN
fsr-3421	683	4	,	,	PUNCT
fsr-3421	683	5	&	&	CCONJ
fsr-3421	683	6	ottaviani	ottaviani	PROPN
fsr-3421	683	7	,	,	PUNCT
fsr-3421	683	8	m.	m.	NOUN
fsr-3421	683	9	(	(	PUNCT
fsr-3421	683	10	2012b	2012b	NUM
fsr-3421	683	11	)	)	PUNCT
fsr-3421	683	12	.	.	PUNCT
fsr-3421	684	1	financial	financial	ADJ
fsr-3421	684	2	advice	advice	NOUN
fsr-3421	684	3	.	.	PUNCT
fsr-3421	685	1	journal	journal	NOUN
fsr-3421	685	2	of	of	ADP
fsr-3421	685	3	economic	economic	ADJ
fsr-3421	685	4	literature	literature	NOUN
fsr-3421	685	5	,	,	PUNCT
fsr-3421	685	6	50	50	NUM
fsr-3421	685	7	,	,	PUNCT
fsr-3421	685	8	494	494	NUM
fsr-3421	685	9	-	-	SYM
fsr-3421	685	10	512	512	NUM
fsr-3421	685	11	.	.	PUNCT
fsr-3421	686	1	kramer	kramer	PROPN
fsr-3421	686	2	,	,	PUNCT
fsr-3421	686	3	m.	m.	NOUN
fsr-3421	686	4	m.	m.	NOUN
fsr-3421	686	5	(	(	PUNCT
fsr-3421	686	6	2012	2012	NUM
fsr-3421	686	7	)	)	PUNCT
fsr-3421	686	8	.	.	PUNCT
fsr-3421	687	1	financial	financial	ADJ
fsr-3421	687	2	advice	advice	NOUN
fsr-3421	687	3	and	and	CCONJ
fsr-3421	687	4	individual	individual	ADJ
fsr-3421	687	5	investor	investor	NOUN
fsr-3421	687	6	portfolio	portfolio	NOUN
fsr-3421	687	7	performance	performance	NOUN
fsr-3421	687	8	.	.	PUNCT
fsr-3421	688	1	financial	financial	ADJ
fsr-3421	688	2	management	management	NOUN
fsr-3421	688	3	,	,	PUNCT
fsr-3421	688	4	41	41	NUM
fsr-3421	688	5	,	,	PUNCT
fsr-3421	688	6	395	395	NUM
fsr-3421	688	7	-	-	SYM
fsr-3421	688	8	428	428	NUM
fsr-3421	688	9	.	.	PUNCT
fsr-3421	689	1	maley	maley	PROPN
fsr-3421	689	2	,	,	PUNCT
fsr-3421	689	3	d.	d.	PROPN
fsr-3421	689	4	(	(	PUNCT
fsr-3421	689	5	2018	2018	NUM
fsr-3421	689	6	)	)	PUNCT
fsr-3421	689	7	.	.	PUNCT
fsr-3421	690	1	are	be	AUX
fsr-3421	690	2	advisors	advisor	NOUN
fsr-3421	690	3	acting	act	VERB
fsr-3421	690	4	in	in	ADP
fsr-3421	690	5	clients	client	NOUN
fsr-3421	690	6	’	’	PART
fsr-3421	690	7	best	good	ADJ
fsr-3421	690	8	interests	interest	NOUN
fsr-3421	690	9	?	?	PUNCT
fsr-3421	691	1	the	the	DET
fsr-3421	691	2	tussle	tussle	NOUN
fsr-3421	691	3	over	over	ADP
fsr-3421	691	4	terminology	terminology	NOUN
fsr-3421	691	5	.	.	PUNCT
fsr-3421	692	1	the	the	DET
fsr-3421	692	2	globe	globe	NOUN
fsr-3421	692	3	and	and	CCONJ
fsr-3421	692	4	mail	mail	NOUN
fsr-3421	692	5	.	.	PUNCT
fsr-3421	693	1	(	(	PUNCT
fsr-3421	693	2	available	available	ADJ
fsr-3421	693	3	at	at	ADP
fsr-3421	693	4	https://www.theglobeandmail.com/investing/globe-advisor/advisor-news/articleare-advisors-acting-in-clients-best-interests-the-tussle-over/	https://www.theglobeandmail.com/investing/globe-advisor/advisor-news/articleare-advisors-acting-in-clients-best-interests-the-tussle-over/	PROPN
fsr-3421	693	5	)	)	PUNCT
fsr-3421	693	6	.	.	PUNCT
fsr-3421	694	1	mazzoli	mazzoli	PROPN
fsr-3421	694	2	,	,	PUNCT
fsr-3421	694	3	c.	c.	PROPN
fsr-3421	694	4	,	,	PUNCT
fsr-3421	694	5	&	&	CCONJ
fsr-3421	694	6	nicolini	nicolini	PROPN
fsr-3421	694	7	,	,	PUNCT
fsr-3421	694	8	g.	g.	PROPN
fsr-3421	694	9	(	(	PUNCT
fsr-3421	694	10	2010	2010	NUM
fsr-3421	694	11	)	)	PUNCT
fsr-3421	694	12	.	.	PUNCT
fsr-3421	695	1	to	to	PART
fsr-3421	695	2	fee	fee	VERB
fsr-3421	695	3	or	or	CCONJ
fsr-3421	695	4	not	not	PART
fsr-3421	695	5	to	to	PART
fsr-3421	695	6	fee	fee	VERB
fsr-3421	695	7	:	:	PUNCT
fsr-3421	695	8	pricing	pricing	NOUN
fsr-3421	695	9	policies	policy	NOUN
fsr-3421	695	10	in	in	ADP
fsr-3421	695	11	financial	financial	ADJ
fsr-3421	695	12	counseling	counseling	NOUN
fsr-3421	695	13	.	.	PUNCT
fsr-3421	696	1	financial	financial	ADJ
fsr-3421	696	2	services	service	NOUN
fsr-3421	696	3	review	review	PROPN
fsr-3421	696	4	,	,	PUNCT
fsr-3421	696	5	19	19	NUM
fsr-3421	696	6	,	,	PUNCT
fsr-3421	696	7	307	307	NUM
fsr-3421	696	8	-	-	SYM
fsr-3421	696	9	322	322	NUM
fsr-3421	696	10	.	.	PUNCT
fsr-3421	697	1	mcinnes	mcinne	NOUN
fsr-3421	697	2	,	,	PUNCT
fsr-3421	697	3	a.	a.	NOUN
fsr-3421	697	4	(	(	PUNCT
fsr-3421	697	5	2020	2020	NUM
fsr-3421	697	6	)	)	PUNCT
fsr-3421	697	7	.	.	PUNCT
fsr-3421	698	1	the	the	DET
fsr-3421	698	2	regulation	regulation	NOUN
fsr-3421	698	3	of	of	ADP
fsr-3421	698	4	financial	financial	ADJ
fsr-3421	698	5	planning	planning	NOUN
fsr-3421	698	6	in	in	ADP
fsr-3421	698	7	australia	australia	PROPN
fsr-3421	698	8	:	:	PUNCT
fsr-3421	698	9	current	current	ADJ
fsr-3421	698	10	practice	practice	NOUN
fsr-3421	698	11	,	,	PUNCT
fsr-3421	698	12	issues	issue	NOUN
fsr-3421	698	13	and	and	CCONJ
fsr-3421	698	14	empirical	empirical	ADJ
fsr-3421	698	15	analysis	analysis	NOUN
fsr-3421	698	16	(	(	PUNCT
fsr-3421	698	17	first	first	ADJ
fsr-3421	698	18	edition	edition	NOUN
fsr-3421	698	19	)	)	PUNCT
fsr-3421	698	20	.	.	PUNCT
fsr-3421	699	1	abingdon	abingdon	PROPN
fsr-3421	699	2	,	,	PUNCT
fsr-3421	699	3	oxon	oxon	PROPN
fsr-3421	699	4	:	:	PUNCT
fsr-3421	699	5	routledge	routledge	PROPN
fsr-3421	699	6	.	.	PUNCT
fsr-3421	700	1	morse	morse	PROPN
fsr-3421	700	2	,	,	PUNCT
fsr-3421	700	3	j.	j.	PROPN
fsr-3421	700	4	m.	m.	PROPN
fsr-3421	700	5	(	(	PUNCT
fsr-3421	700	6	2003	2003	NUM
fsr-3421	700	7	)	)	PUNCT
fsr-3421	700	8	.	.	PUNCT
fsr-3421	701	1	principles	principle	NOUN
fsr-3421	701	2	of	of	ADP
fsr-3421	701	3	mixed	mixed	ADJ
fsr-3421	701	4	methods	method	NOUN
fsr-3421	701	5	and	and	CCONJ
fsr-3421	701	6	multimethods	multimethod	NOUN
fsr-3421	701	7	research	research	NOUN
fsr-3421	701	8	design	design	NOUN
fsr-3421	701	9	.	.	PUNCT
fsr-3421	702	1	in	in	ADP
fsr-3421	702	2	a.	a.	PROPN
fsr-3421	702	3	tashakkori	tashakkori	PROPN
fsr-3421	702	4	&	&	CCONJ
fsr-3421	702	5	c.	c.	PROPN
fsr-3421	702	6	teddlie	teddlie	PROPN
fsr-3421	702	7	(	(	PUNCT
fsr-3421	702	8	eds	ed	NOUN
fsr-3421	702	9	.	.	PUNCT
fsr-3421	702	10	)	)	PUNCT
fsr-3421	702	11	,	,	PUNCT
fsr-3421	702	12	handbook	handbook	NOUN
fsr-3421	702	13	of	of	ADP
fsr-3421	702	14	mixed	mixed	ADJ
fsr-3421	702	15	methods	method	NOUN
fsr-3421	702	16	in	in	ADP
fsr-3421	702	17	social	social	ADJ
fsr-3421	702	18	&	&	CCONJ
fsr-3421	702	19	behavioural	behavioural	ADJ
fsr-3421	702	20	research	research	NOUN
fsr-3421	702	21	.	.	PUNCT
fsr-3421	703	1	thousands	thousand	NOUN
fsr-3421	703	2	oak	oak	VERB
fsr-3421	703	3	,	,	PUNCT
fsr-3421	703	4	ca	can	AUX
fsr-3421	703	5	:	:	PUNCT
fsr-3421	703	6	sage	sage	VERB
fsr-3421	703	7	.	.	PUNCT
fsr-3421	704	1	north	north	NOUN
fsr-3421	704	2	,	,	PUNCT
fsr-3421	704	3	g.	g.	PROPN
fsr-3421	704	4	(	(	PUNCT
fsr-3421	704	5	2015	2015	NUM
fsr-3421	704	6	)	)	PUNCT
fsr-3421	704	7	.	.	PUNCT
fsr-3421	705	1	the	the	DET
fsr-3421	705	2	future	future	NOUN
fsr-3421	705	3	of	of	ADP
fsr-3421	705	4	financial	financial	ADJ
fsr-3421	705	5	advice	advice	NOUN
fsr-3421	705	6	reforms	reform	NOUN
fsr-3421	705	7	:	:	PUNCT
fsr-3421	705	8	will	will	AUX
fsr-3421	705	9	they	they	PRON
fsr-3421	705	10	achieve	achieve	VERB
fsr-3421	705	11	their	their	PRON
fsr-3421	705	12	long	long	ADJ
fsr-3421	705	13	term	term	NOUN
fsr-3421	705	14	objectives	objective	NOUN
fsr-3421	705	15	?	?	PUNCT
fsr-3421	705	16	.	.	PUNCT
fsr-3421	706	1	competition	competition	NOUN
fsr-3421	706	2	&	&	CCONJ
fsr-3421	706	3	consumer	consumer	NOUN
fsr-3421	706	4	law	law	NOUN
fsr-3421	706	5	journal	journal	NOUN
fsr-3421	706	6	,	,	PUNCT
fsr-3421	706	7	22	22	NUM
fsr-3421	706	8	,	,	PUNCT
fsr-3421	706	9	197	197	NUM
fsr-3421	706	10	-	-	SYM
fsr-3421	706	11	217	217	NUM
fsr-3421	706	12	.	.	PUNCT
fsr-3421	707	1	pjccfs	pjccfs	PROPN
fsr-3421	707	2	.	.	PUNCT
fsr-3421	708	1	(	(	PUNCT
fsr-3421	708	2	2003	2003	NUM
fsr-3421	708	3	)	)	PUNCT
fsr-3421	708	4	.	.	PUNCT
fsr-3421	709	1	inquiry	inquiry	NOUN
fsr-3421	709	2	into	into	ADP
fsr-3421	709	3	the	the	DET
fsr-3421	709	4	disclosure	disclosure	NOUN
fsr-3421	709	5	of	of	ADP
fsr-3421	709	6	commissions	commission	NOUN
fsr-3421	709	7	on	on	ADP
fsr-3421	709	8	risk	risk	NOUN
fsr-3421	709	9	products	product	NOUN
fsr-3421	709	10	.	.	PUNCT
fsr-3421	710	1	canberra	canberra	PROPN
fsr-3421	710	2	:	:	PUNCT
fsr-3421	710	3	commonwealth	commonwealth	PROPN
fsr-3421	710	4	of	of	ADP
fsr-3421	710	5	australia	australia	PROPN
fsr-3421	710	6	(	(	PUNCT
fsr-3421	710	7	available	available	ADJ
fsr-3421	710	8	at	at	ADP
fsr-3421	710	9	https://www.aph.gov.au/parliamentary_business/committees/joint/corporations_and	https://www.aph.gov.au/parliamentary_business/committees/joint/corporations_and	PROPN
fsr-3421	710	10	_	_	NOUN
fsr-3421	710	11	financial_services	financial_service	NOUN
fsr-3421	710	12	/	/	SYM
fsr-3421	710	13	completed_inquiries/2002	completed_inquiries/2002	NOUN
fsr-3421	710	14	-	-	PUNCT
fsr-3421	710	15	04	04	NUM
fsr-3421	710	16	/	/	SYM
fsr-3421	710	17	dcrp	dcrp	NOUN
fsr-3421	710	18	/	/	SYM
fsr-3421	710	19	index	index	NOUN
fsr-3421	710	20	)	)	PUNCT
fsr-3421	710	21	.	.	PUNCT
fsr-3421	711	1	pjccfs	pjccfs	PROPN
fsr-3421	711	2	.	.	PUNCT
fsr-3421	712	1	(	(	PUNCT
fsr-3421	712	2	2009	2009	NUM
fsr-3421	712	3	)	)	PUNCT
fsr-3421	712	4	.	.	PUNCT
fsr-3421	713	1	inquiry	inquiry	NOUN
fsr-3421	713	2	into	into	ADP
fsr-3421	713	3	financial	financial	ADJ
fsr-3421	713	4	products	product	NOUN
fsr-3421	713	5	and	and	CCONJ
fsr-3421	713	6	services	service	NOUN
fsr-3421	713	7	in	in	ADP
fsr-3421	713	8	australia	australia	PROPN
fsr-3421	713	9	.	.	PUNCT
fsr-3421	714	1	canberra	canberra	PROPN
fsr-3421	714	2	:	:	PUNCT
fsr-3421	714	3	commonwealth	commonwealth	PROPN
fsr-3421	714	4	of	of	ADP
fsr-3421	714	5	australia	australia	PROPN
fsr-3421	714	6	.	.	PUNCT
fsr-3421	715	1	(	(	PUNCT
fsr-3421	715	2	available	available	ADJ
fsr-3421	715	3	at	at	ADP
fsr-3421	715	4	https://www.aph.gov.au/parliamentary_business/committees/joint/corporations	https://www.aph.gov.au/parliamentary_business/committees/joint/corporation	NOUN
fsr-3421	715	5	_	_	SYM
fsr-3421	715	6	and_financial_services	and_financial_service	NOUN
fsr-3421	715	7	/	/	SYM
fsr-3421	715	8	completed_inquiries/2008	completed_inquiries/2008	NOUN
fsr-3421	715	9	-	-	PUNCT
fsr-3421	715	10	10	10	NUM
fsr-3421	715	11	/	/	SYM
fsr-3421	715	12	fps	fps	PROPN
fsr-3421	715	13	/	/	SYM
fsr-3421	715	14	index	index	NOUN
fsr-3421	715	15	)	)	PUNCT
fsr-3421	715	16	.	.	PUNCT
fsr-3421	716	1	pjccfs	pjccfs	PROPN
fsr-3421	716	2	.	.	PUNCT
fsr-3421	717	1	(	(	PUNCT
fsr-3421	717	2	2012a	2012a	NUM
fsr-3421	717	3	)	)	PUNCT
fsr-3421	717	4	.	.	PUNCT
fsr-3421	718	1	corporations	corporation	NOUN
fsr-3421	718	2	amendment	amendment	NOUN
fsr-3421	718	3	(	(	PUNCT
fsr-3421	718	4	future	future	NOUN
fsr-3421	718	5	of	of	ADP
fsr-3421	718	6	financial	financial	ADJ
fsr-3421	718	7	advice	advice	NOUN
fsr-3421	718	8	)	)	PUNCT
fsr-3421	718	9	bill	bill	NOUN
fsr-3421	718	10	2011	2011	NUM
fsr-3421	718	11	and	and	CCONJ
fsr-3421	718	12	corporations	corporation	NOUN
fsr-3421	718	13	amendment	amendment	NOUN
fsr-3421	718	14	(	(	PUNCT
fsr-3421	718	15	further	further	ADJ
fsr-3421	718	16	future	future	NOUN
fsr-3421	718	17	of	of	ADP
fsr-3421	718	18	financial	financial	ADJ
fsr-3421	718	19	advice	advice	NOUN
fsr-3421	718	20	measures	measure	NOUN
fsr-3421	718	21	)	)	PUNCT
fsr-3421	718	22	bill	bill	NOUN
fsr-3421	718	23	2011	2011	NUM
fsr-3421	718	24	.	.	PUNCT
fsr-3421	719	1	canberra	canberra	PROPN
fsr-3421	719	2	:	:	PUNCT
fsr-3421	719	3	commonwealth	commonwealth	PROPN
fsr-3421	719	4	of	of	ADP
fsr-3421	719	5	australia	australia	PROPN
fsr-3421	719	6	.	.	PUNCT
fsr-3421	720	1	(	(	PUNCT
fsr-3421	720	2	available	available	ADJ
fsr-3421	720	3	at	at	ADP
fsr-3421	720	4	https://www.aph.gov.au/parliamentary_business/committees/joint/corporations	https://www.aph.gov.au/parliamentary_business/committees/joint/corporation	NOUN
fsr-3421	720	5	_	_	SYM
fsr-3421	720	6	and_financial_services	and_financial_service	NOUN
fsr-3421	720	7	/	/	SYM
fsr-3421	720	8	completed_inquiries/2010	completed_inquiries/2010	NOUN
fsr-3421	720	9	-	-	PUNCT
fsr-3421	720	10	13	13	NUM
fsr-3421	720	11	/	/	SYM
fsr-3421	720	12	future_fin_advice	future_fin_advice	PROPN
fsr-3421	720	13	/	/	SYM
fsr-3421	720	14	index	index	NOUN
fsr-3421	720	15	)	)	PUNCT
fsr-3421	720	16	.	.	PUNCT
fsr-3421	721	1	pjccfs	pjccfs	PROPN
fsr-3421	721	2	.	.	PUNCT
fsr-3421	722	1	(	(	PUNCT
fsr-3421	722	2	2012b	2012b	NUM
fsr-3421	722	3	)	)	PUNCT
fsr-3421	722	4	.	.	PUNCT
fsr-3421	723	1	inquiry	inquiry	NOUN
fsr-3421	723	2	into	into	ADP
fsr-3421	723	3	the	the	DET
fsr-3421	723	4	collapse	collapse	NOUN
fsr-3421	723	5	of	of	ADP
fsr-3421	723	6	trio	trio	NOUN
fsr-3421	723	7	capital	capital	NOUN
fsr-3421	723	8	.	.	PUNCT
fsr-3421	724	1	canberra	canberra	PROPN
fsr-3421	724	2	:	:	PUNCT
fsr-3421	724	3	commonwealth	commonwealth	PROPN
fsr-3421	724	4	of	of	ADP
fsr-3421	724	5	australia	australia	PROPN
fsr-3421	724	6	.	.	PUNCT
fsr-3421	725	1	(	(	PUNCT
fsr-3421	725	2	available	available	ADJ
fsr-3421	725	3	at	at	ADP
fsr-3421	725	4	https://www.aph.gov.au/parliamentary_business/committees/joint/corporations_and_financial_services/	https://www.aph.gov.au/parliamentary_business/committees/joint/corporations_and_financial_services/	PROPN
fsr-3421	725	5	completed_inquiries/2010	completed_inquiries/2010	NOUN
fsr-3421	725	6	-	-	PUNCT
fsr-3421	725	7	13	13	NUM
fsr-3421	725	8	/	/	SYM
fsr-3421	725	9	trio	trio	NOUN
fsr-3421	725	10	/	/	SYM
fsr-3421	725	11	index	index	NOUN
fsr-3421	725	12	)	)	PUNCT
fsr-3421	725	13	pjccfs	pjccfs	NOUN
fsr-3421	725	14	.	.	PUNCT
fsr-3421	726	1	(	(	PUNCT
fsr-3421	726	2	2014	2014	NUM
fsr-3421	726	3	)	)	PUNCT
fsr-3421	726	4	.	.	PUNCT
fsr-3421	727	1	inquiry	inquiry	NOUN
fsr-3421	727	2	into	into	ADP
fsr-3421	727	3	proposals	proposal	NOUN
fsr-3421	727	4	to	to	PART
fsr-3421	727	5	lift	lift	VERB
fsr-3421	727	6	the	the	DET
fsr-3421	727	7	professional	professional	ADJ
fsr-3421	727	8	,	,	PUNCT
fsr-3421	727	9	ethical	ethical	ADJ
fsr-3421	727	10	and	and	CCONJ
fsr-3421	727	11	education	education	NOUN
fsr-3421	727	12	standards	standard	NOUN
fsr-3421	727	13	in	in	ADP
fsr-3421	727	14	the	the	DET
fsr-3421	727	15	financial	financial	ADJ
fsr-3421	727	16	services	service	NOUN
fsr-3421	727	17	industry	industry	NOUN
fsr-3421	727	18	.	.	PUNCT
fsr-3421	728	1	canberra	canberra	PROPN
fsr-3421	728	2	:	:	PUNCT
fsr-3421	728	3	commonwealth	commonwealth	PROPN
fsr-3421	728	4	of	of	ADP
fsr-3421	728	5	australia	australia	PROPN
fsr-3421	728	6	.	.	PUNCT
fsr-3421	729	1	(	(	PUNCT
fsr-3421	729	2	available	available	ADJ
fsr-3421	729	3	at	at	ADP
fsr-3421	729	4	https://www.aph.gov.au/parliamentary	https://www.aph.gov.au/parliamentary	ADJ
fsr-3421	729	5	_	_	PROPN
fsr-3421	729	6	business	business	NOUN
fsr-3421	729	7	/	/	SYM
fsr-3421	729	8	committees	committee	NOUN
fsr-3421	729	9	/	/	SYM
fsr-3421	729	10	joint	joint	ADJ
fsr-3421	729	11	/	/	SYM
fsr-3421	729	12	corporations_and_financial_services	corporations_and_financial_service	NOUN
fsr-3421	729	13	/	/	SYM
fsr-3421	729	14	financial_adviser_qualifications	financial_adviser_qualification	NOUN
fsr-3421	729	15	)	)	PUNCT
fsr-3421	729	16	rubin	rubin	PROPN
fsr-3421	729	17	,	,	PUNCT
fsr-3421	729	18	g.	g.	PROPN
fsr-3421	729	19	d.	d.	PROPN
fsr-3421	729	20	(	(	PUNCT
fsr-3421	729	21	2015	2015	NUM
fsr-3421	729	22	)	)	PUNCT
fsr-3421	729	23	.	.	PUNCT
fsr-3421	730	1	advisers	adviser	NOUN
fsr-3421	730	2	and	and	CCONJ
fsr-3421	730	3	the	the	DET
fsr-3421	730	4	fiduciary	fiduciary	ADJ
fsr-3421	730	5	duty	duty	NOUN
fsr-3421	730	6	debate	debate	NOUN
fsr-3421	730	7	.	.	PUNCT
fsr-3421	731	1	business	business	NOUN
fsr-3421	731	2	and	and	CCONJ
fsr-3421	731	3	society	society	NOUN
fsr-3421	731	4	review	review	NOUN
fsr-3421	731	5	,	,	PUNCT
fsr-3421	731	6	120	120	NUM
fsr-3421	731	7	,	,	PUNCT
fsr-3421	731	8	519	519	NUM
fsr-3421	731	9	-	-	SYM
fsr-3421	731	10	548	548	NUM
fsr-3421	731	11	.	.	PUNCT
fsr-3421	732	1	d.	d.	PROPN
fsr-3421	732	2	w.	w.	PROPN
fsr-3421	732	3	richards	richards	PROPN
fsr-3421	732	4	,	,	PUNCT
fsr-3421	732	5	e.	e.	PROPN
fsr-3421	732	6	f.	f.	PROPN
fsr-3421	732	7	morton	morton	PROPN
fsr-3421	732	8	/	/	SYM
fsr-3421	732	9	financial	financial	ADJ
fsr-3421	732	10	services	service	NOUN
fsr-3421	732	11	review	review	VERB
fsr-3421	732	12	28	28	NUM
fsr-3421	732	13	(	(	PUNCT
fsr-3421	732	14	2020	2020	NUM
fsr-3421	732	15	)	)	PUNCT
fsr-3421	733	1	133–158	133–158	NUM
fsr-3421	733	2	157	157	NUM
fsr-3421	733	3	sandy	sandy	NOUN
fsr-3421	733	4	,	,	PUNCT
fsr-3421	733	5	q.	q.	PROPN
fsr-3421	733	6	q.	q.	PROPN
fsr-3421	733	7	,	,	PUNCT
fsr-3421	733	8	&	&	CCONJ
fsr-3421	733	9	dumay	dumay	PROPN
fsr-3421	733	10	,	,	PUNCT
fsr-3421	733	11	j.	j.	PROPN
fsr-3421	733	12	(	(	PUNCT
fsr-3421	733	13	2011	2011	NUM
fsr-3421	733	14	)	)	PUNCT
fsr-3421	733	15	.	.	PUNCT
fsr-3421	734	1	the	the	DET
fsr-3421	734	2	qualitative	qualitative	ADJ
fsr-3421	734	3	research	research	NOUN
fsr-3421	734	4	interview	interview	NOUN
fsr-3421	734	5	.	.	PUNCT
fsr-3421	735	1	qualitative	qualitative	ADJ
fsr-3421	735	2	research	research	NOUN
fsr-3421	735	3	in	in	ADP
fsr-3421	735	4	accounting	accounting	NOUN
fsr-3421	735	5	&	&	CCONJ
fsr-3421	735	6	management	management	NOUN
fsr-3421	735	7	,	,	PUNCT
fsr-3421	735	8	8	8	NUM
fsr-3421	735	9	,	,	PUNCT
fsr-3421	735	10	238	238	NUM
fsr-3421	735	11	-	-	SYM
fsr-3421	735	12	264	264	NUM
fsr-3421	735	13	.	.	PUNCT
fsr-3421	736	1	shapira	shapira	PROPN
fsr-3421	736	2	,	,	PUNCT
fsr-3421	736	3	z.	z.	PROPN
fsr-3421	736	4	,	,	PUNCT
fsr-3421	736	5	&	&	CCONJ
fsr-3421	736	6	venezia	venezia	PROPN
fsr-3421	736	7	,	,	PUNCT
fsr-3421	736	8	i.	i.	PROPN
fsr-3421	736	9	(	(	PUNCT
fsr-3421	736	10	2001	2001	NUM
fsr-3421	736	11	)	)	PUNCT
fsr-3421	736	12	.	.	PUNCT
fsr-3421	737	1	patterns	pattern	NOUN
fsr-3421	737	2	of	of	ADP
fsr-3421	737	3	behavior	behavior	NOUN
fsr-3421	737	4	of	of	ADP
fsr-3421	737	5	professionally	professionally	ADV
fsr-3421	737	6	managed	manage	VERB
fsr-3421	737	7	and	and	CCONJ
fsr-3421	737	8	independent	independent	ADJ
fsr-3421	737	9	investors	investor	NOUN
fsr-3421	737	10	.	.	PUNCT
fsr-3421	738	1	journal	journal	PROPN
fsr-3421	738	2	of	of	ADP
fsr-3421	738	3	banking	banking	NOUN
fsr-3421	738	4	&	&	CCONJ
fsr-3421	738	5	finance	finance	PROPN
fsr-3421	738	6	,	,	PUNCT
fsr-3421	738	7	25	25	NUM
fsr-3421	738	8	,	,	PUNCT
fsr-3421	738	9	1573	1573	NUM
fsr-3421	738	10	-	-	SYM
fsr-3421	738	11	1587	1587	NUM
fsr-3421	738	12	.	.	PUNCT
fsr-3421	739	1	šindelá	šindelá	PROPN
fsr-3421	739	2	�	�	PROPN
fsr-3421	739	3	r	r	PROPN
fsr-3421	739	4	,	,	PUNCT
fsr-3421	739	5	j.	j.	PROPN
fsr-3421	739	6	,	,	PUNCT
fsr-3421	739	7	&	&	CCONJ
fsr-3421	739	8	budinský	budinský	ADV
fsr-3421	739	9	,	,	PUNCT
fsr-3421	739	10	p.	p.	NOUN
fsr-3421	739	11	(	(	PUNCT
fsr-3421	739	12	2017	2017	NUM
fsr-3421	739	13	)	)	PUNCT
fsr-3421	739	14	.	.	PUNCT
fsr-3421	740	1	evaluating	evaluate	VERB
fsr-3421	740	2	the	the	DET
fsr-3421	740	3	relationship	relationship	NOUN
fsr-3421	740	4	between	between	ADP
fsr-3421	740	5	ifa	ifa	PROPN
fsr-3421	740	6	remuneration	remuneration	NOUN
fsr-3421	740	7	and	and	CCONJ
fsr-3421	740	8	advice	advice	NOUN
fsr-3421	740	9	quality	quality	NOUN
fsr-3421	740	10	:	:	PUNCT
fsr-3421	740	11	an	an	DET
fsr-3421	740	12	empirical	empirical	ADJ
fsr-3421	740	13	study	study	NOUN
fsr-3421	740	14	.	.	PUNCT
fsr-3421	741	1	financial	financial	ADJ
fsr-3421	741	2	services	services	PROPN
fsr-3421	741	3	review	review	PROPN
fsr-3421	741	4	,	,	PUNCT
fsr-3421	741	5	26	26	NUM
fsr-3421	741	6	,	,	PUNCT
fsr-3421	741	7	367	367	NUM
fsr-3421	741	8	-	-	SYM
fsr-3421	741	9	386	386	NUM
fsr-3421	741	10	.	.	PUNCT
fsr-3421	742	1	von	von	PROPN
fsr-3421	742	2	gaudecker	gaudecker	PROPN
fsr-3421	742	3	,	,	PUNCT
fsr-3421	742	4	h.	h.	PROPN
fsr-3421	742	5	m.	m.	NOUN
fsr-3421	742	6	(	(	PUNCT
fsr-3421	742	7	2015	2015	NUM
fsr-3421	742	8	)	)	PUNCT
fsr-3421	742	9	.	.	PUNCT
fsr-3421	743	1	how	how	SCONJ
fsr-3421	743	2	does	do	AUX
fsr-3421	743	3	household	household	NOUN
fsr-3421	743	4	portfolio	portfolio	NOUN
fsr-3421	743	5	diversification	diversification	NOUN
fsr-3421	743	6	vary	vary	VERB
fsr-3421	743	7	with	with	ADP
fsr-3421	743	8	financial	financial	ADJ
fsr-3421	743	9	literacy	literacy	NOUN
fsr-3421	743	10	and	and	CCONJ
fsr-3421	743	11	financial	financial	ADJ
fsr-3421	743	12	advice	advice	NOUN
fsr-3421	743	13	?	?	PUNCT
fsr-3421	744	1	the	the	DET
fsr-3421	744	2	journal	journal	NOUN
fsr-3421	744	3	of	of	ADP
fsr-3421	744	4	finance	finance	NOUN
fsr-3421	744	5	,	,	PUNCT
fsr-3421	744	6	70	70	NUM
fsr-3421	744	7	,	,	PUNCT
fsr-3421	744	8	489	489	NUM
fsr-3421	744	9	-	-	SYM
fsr-3421	744	10	507	507	NUM
fsr-3421	744	11	.	.	PUNCT
fsr-3421	744	12	warschauer	warschauer	NOUN
fsr-3421	744	13	,	,	PUNCT
fsr-3421	744	14	t.	t.	PROPN
fsr-3421	744	15	(	(	PUNCT
fsr-3421	744	16	2002	2002	NUM
fsr-3421	744	17	)	)	PUNCT
fsr-3421	744	18	.	.	PUNCT
fsr-3421	745	1	the	the	DET
fsr-3421	745	2	role	role	NOUN
fsr-3421	745	3	of	of	ADP
fsr-3421	745	4	universities	university	NOUN
fsr-3421	745	5	in	in	ADP
fsr-3421	745	6	the	the	DET
fsr-3421	745	7	development	development	NOUN
fsr-3421	745	8	of	of	ADP
fsr-3421	745	9	the	the	DET
fsr-3421	745	10	personal	personal	ADJ
fsr-3421	745	11	financial	financial	ADJ
fsr-3421	745	12	planning	planning	NOUN
fsr-3421	745	13	profession	profession	NOUN
fsr-3421	745	14	.	.	PUNCT
fsr-3421	746	1	financial	financial	ADJ
fsr-3421	746	2	services	service	NOUN
fsr-3421	746	3	review	review	PROPN
fsr-3421	746	4	,	,	PUNCT
fsr-3421	746	5	11	11	NUM
fsr-3421	746	6	,	,	PUNCT
fsr-3421	746	7	201	201	NUM
fsr-3421	746	8	-	-	SYM
fsr-3421	746	9	216	216	NUM
fsr-3421	746	10	158	158	NUM
fsr-3421	746	11	d.	d.	PROPN
fsr-3421	746	12	w.	w.	PROPN
fsr-3421	746	13	richards	richards	PROPN
fsr-3421	746	14	,	,	PUNCT
fsr-3421	746	15	e.	e.	PROPN
fsr-3421	746	16	f.	f.	PROPN
fsr-3421	746	17	morton	morton	PROPN
fsr-3421	746	18	/	/	SYM
fsr-3421	746	19	financial	financial	ADJ
fsr-3421	746	20	services	service	NOUN
fsr-3421	746	21	review	review	VERB
fsr-3421	746	22	28	28	NUM
fsr-3421	746	23	(	(	PUNCT
fsr-3421	746	24	2020	2020	NUM
fsr-3421	746	25	)	)	PUNCT
fsr-3421	746	26	133–158	133–158	NUM