id	sid	tid	token	lemma	pos
fsr-3428	1	1	a	a	DET
fsr-3428	1	2	theoretical	theoretical	ADJ
fsr-3428	1	3	examination	examination	NOUN
fsr-3428	1	4	of	of	ADP
fsr-3428	1	5	cash	cash	NOUN
fsr-3428	1	6	-	-	PUNCT
fsr-3428	1	7	back	back	NOUN
fsr-3428	1	8	credit	credit	NOUN
fsr-3428	1	9	cards	card	NOUN
fsr-3428	1	10	and	and	CCONJ
fsr-3428	1	11	their	their	PRON
fsr-3428	1	12	effect	effect	NOUN
fsr-3428	1	13	on	on	ADP
fsr-3428	1	14	consumer	consumer	NOUN
fsr-3428	1	15	spending	spending	NOUN
fsr-3428	1	16	noah	noah	PROPN
fsr-3428	1	17	macdonalda	macdonalda	PROPN
fsr-3428	1	18	,	,	PUNCT
fsr-3428	1	19	*	*	PROPN
fsr-3428	1	20	,	,	PUNCT
fsr-3428	1	21	brent	brent	PROPN
fsr-3428	1	22	evansb	evansb	PROPN
fsr-3428	1	23	adepartment	adepartment	NOUN
fsr-3428	1	24	of	of	ADP
fsr-3428	1	25	economics	economic	NOUN
fsr-3428	1	26	,	,	PUNCT
fsr-3428	1	27	georgia	georgia	PROPN
fsr-3428	1	28	college	college	PROPN
fsr-3428	1	29	&	&	CCONJ
fsr-3428	1	30	state	state	PROPN
fsr-3428	1	31	university	university	PROPN
fsr-3428	1	32	,	,	PUNCT
fsr-3428	1	33	415	415	NUM
fsr-3428	1	34	atkinson	atkinson	PROPN
fsr-3428	1	35	hall	hall	PROPN
fsr-3428	1	36	,	,	PUNCT
fsr-3428	1	37	cbx	cbx	PROPN
fsr-3428	1	38	014	014	NUM
fsr-3428	1	39	,	,	PUNCT
fsr-3428	1	40	milledgeville	milledgeville	PROPN
fsr-3428	1	41	,	,	PUNCT
fsr-3428	1	42	ga	ga	PROPN
fsr-3428	1	43	31061	31061	NUM
fsr-3428	1	44	,	,	PUNCT
fsr-3428	1	45	usa	usa	PROPN
fsr-3428	1	46	bdepartment	bdepartment	PROPN
fsr-3428	1	47	of	of	ADP
fsr-3428	1	48	economics	economic	NOUN
fsr-3428	1	49	,	,	PUNCT
fsr-3428	1	50	georgia	georgia	PROPN
fsr-3428	1	51	college	college	PROPN
fsr-3428	1	52	&	&	CCONJ
fsr-3428	1	53	state	state	PROPN
fsr-3428	1	54	university	university	PROPN
fsr-3428	1	55	,	,	PUNCT
fsr-3428	1	56	415	415	NUM
fsr-3428	1	57	atkinson	atkinson	PROPN
fsr-3428	1	58	hall	hall	PROPN
fsr-3428	1	59	,	,	PUNCT
fsr-3428	1	60	cbx	cbx	PROPN
fsr-3428	1	61	014	014	NUM
fsr-3428	1	62	,	,	PUNCT
fsr-3428	1	63	milledgeville	milledgeville	PROPN
fsr-3428	1	64	,	,	PUNCT
fsr-3428	1	65	ga	ga	PROPN
fsr-3428	1	66	31061	31061	NUM
fsr-3428	1	67	,	,	PUNCT
fsr-3428	1	68	usa	usa	PROPN
fsr-3428	1	69	abstract	abstract	NOUN
fsr-3428	1	70	the	the	DET
fsr-3428	1	71	role	role	NOUN
fsr-3428	1	72	of	of	ADP
fsr-3428	1	73	cash	cash	NOUN
fsr-3428	1	74	-	-	PUNCT
fsr-3428	1	75	back	back	NOUN
fsr-3428	1	76	credit	credit	NOUN
fsr-3428	1	77	cards	card	NOUN
fsr-3428	1	78	in	in	ADP
fsr-3428	1	79	personal	personal	ADJ
fsr-3428	1	80	financial	financial	ADJ
fsr-3428	1	81	strategies	strategy	NOUN
fsr-3428	1	82	is	be	AUX
fsr-3428	1	83	highly	highly	ADV
fsr-3428	1	84	debated	debate	VERB
fsr-3428	1	85	.	.	PUNCT
fsr-3428	2	1	for	for	ADP
fsr-3428	2	2	example	example	NOUN
fsr-3428	2	3	,	,	PUNCT
fsr-3428	2	4	dave	dave	PROPN
fsr-3428	2	5	ramsey	ramsey	PROPN
fsr-3428	2	6	(	(	PUNCT
fsr-3428	2	7	ramsey	ramsey	PROPN
fsr-3428	2	8	,	,	PUNCT
fsr-3428	2	9	2019	2019	NUM
fsr-3428	2	10	)	)	PUNCT
fsr-3428	2	11	urges	urge	VERB
fsr-3428	2	12	consumers	consumer	NOUN
fsr-3428	2	13	to	to	PART
fsr-3428	2	14	avoid	avoid	VERB
fsr-3428	2	15	even	even	ADV
fsr-3428	2	16	the	the	DET
fsr-3428	2	17	most	most	ADV
fsr-3428	2	18	lucrative	lucrative	ADJ
fsr-3428	2	19	cash	cash	NOUN
fsr-3428	2	20	-	-	PUNCT
fsr-3428	2	21	back	back	NOUN
fsr-3428	2	22	cards	card	NOUN
fsr-3428	2	23	,	,	PUNCT
fsr-3428	2	24	while	while	SCONJ
fsr-3428	2	25	others	other	NOUN
fsr-3428	2	26	argue	argue	VERB
fsr-3428	2	27	that	that	SCONJ
fsr-3428	2	28	these	these	DET
fsr-3428	2	29	cards	card	NOUN
fsr-3428	2	30	offer	offer	VERB
fsr-3428	2	31	significant	significant	ADJ
fsr-3428	2	32	savings	saving	NOUN
fsr-3428	2	33	.	.	PUNCT
fsr-3428	3	1	herein	herein	NOUN
fsr-3428	3	2	,	,	PUNCT
fsr-3428	3	3	we	we	PRON
fsr-3428	3	4	construct	construct	VERB
fsr-3428	3	5	models	model	NOUN
fsr-3428	3	6	to	to	PART
fsr-3428	3	7	analyze	analyze	VERB
fsr-3428	3	8	the	the	DET
fsr-3428	3	9	use	use	NOUN
fsr-3428	3	10	of	of	ADP
fsr-3428	3	11	cash	cash	NOUN
fsr-3428	3	12	-	-	PUNCT
fsr-3428	3	13	back	back	NOUN
fsr-3428	3	14	cards	card	NOUN
fsr-3428	3	15	by	by	ADP
fsr-3428	3	16	rational	rational	ADJ
fsr-3428	3	17	consumers	consumer	NOUN
fsr-3428	3	18	,	,	PUNCT
fsr-3428	3	19	demonstrating	demonstrate	VERB
fsr-3428	3	20	that	that	SCONJ
fsr-3428	3	21	cash	cash	NOUN
fsr-3428	3	22	-	-	PUNCT
fsr-3428	3	23	back	back	NOUN
fsr-3428	3	24	cards	card	NOUN
fsr-3428	3	25	increase	increase	VERB
fsr-3428	3	26	spending	spending	NOUN
fsr-3428	3	27	(	(	PUNCT
fsr-3428	3	28	and	and	CCONJ
fsr-3428	3	29	,	,	PUNCT
fsr-3428	3	30	thus	thus	ADV
fsr-3428	3	31	,	,	PUNCT
fsr-3428	3	32	reduce	reduce	VERB
fsr-3428	3	33	savings	saving	NOUN
fsr-3428	3	34	)	)	PUNCT
fsr-3428	3	35	for	for	ADP
fsr-3428	3	36	some	some	DET
fsr-3428	3	37	consumers	consumer	NOUN
fsr-3428	3	38	.	.	PUNCT
fsr-3428	4	1	while	while	SCONJ
fsr-3428	4	2	prior	prior	ADJ
fsr-3428	4	3	research	research	NOUN
fsr-3428	4	4	focuses	focus	VERB
fsr-3428	4	5	on	on	ADP
fsr-3428	4	6	behavioral	behavioral	ADJ
fsr-3428	4	7	issues	issue	NOUN
fsr-3428	4	8	related	relate	VERB
fsr-3428	4	9	to	to	ADP
fsr-3428	4	10	credit	credit	NOUN
fsr-3428	4	11	cards	card	NOUN
fsr-3428	4	12	,	,	PUNCT
fsr-3428	4	13	our	our	PRON
fsr-3428	4	14	research	research	NOUN
fsr-3428	4	15	is	be	AUX
fsr-3428	4	16	the	the	DET
fsr-3428	4	17	first	first	ADJ
fsr-3428	4	18	to	to	PART
fsr-3428	4	19	show	show	VERB
fsr-3428	4	20	that	that	SCONJ
fsr-3428	4	21	some	some	DET
fsr-3428	4	22	consumers	consumer	NOUN
fsr-3428	4	23	will	will	AUX
fsr-3428	4	24	rationally	rationally	ADV
fsr-3428	4	25	increase	increase	VERB
fsr-3428	4	26	spending	spending	NOUN
fsr-3428	4	27	when	when	SCONJ
fsr-3428	4	28	using	use	VERB
fsr-3428	4	29	a	a	DET
fsr-3428	4	30	cash	cash	NOUN
fsr-3428	4	31	-	-	PUNCT
fsr-3428	4	32	back	back	NOUN
fsr-3428	4	33	credit	credit	NOUN
fsr-3428	4	34	card	card	NOUN
fsr-3428	4	35	in	in	ADP
fsr-3428	4	36	lieu	lieu	NOUN
fsr-3428	4	37	of	of	ADP
fsr-3428	4	38	cash	cash	NOUN
fsr-3428	4	39	.	.	PUNCT
fsr-3428	5	1	©	©	PROPN
fsr-3428	5	2	2020	2020	NUM
fsr-3428	5	3	academy	academy	NOUN
fsr-3428	5	4	of	of	ADP
fsr-3428	5	5	financial	financial	ADJ
fsr-3428	5	6	services	service	NOUN
fsr-3428	5	7	.	.	PUNCT
fsr-3428	6	1	all	all	DET
fsr-3428	6	2	rights	right	NOUN
fsr-3428	6	3	reserved	reserve	VERB
fsr-3428	6	4	.	.	PUNCT
fsr-3428	7	1	keywords	keyword	NOUN
fsr-3428	7	2	:	:	PUNCT
fsr-3428	7	3	credit	credit	NOUN
fsr-3428	7	4	card	card	NOUN
fsr-3428	7	5	;	;	PUNCT
fsr-3428	7	6	personal	personal	ADJ
fsr-3428	7	7	finance	finance	NOUN
fsr-3428	7	8	;	;	PUNCT
fsr-3428	7	9	cash	cash	NOUN
fsr-3428	7	10	back	back	ADV
fsr-3428	7	11	;	;	PUNCT
fsr-3428	7	12	retirement	retirement	NOUN
fsr-3428	7	13	planning	planning	NOUN
fsr-3428	7	14	;	;	PUNCT
fsr-3428	7	15	churning	churn	VERB
fsr-3428	7	16	1	1	NUM
fsr-3428	7	17	.	.	PUNCT
fsr-3428	8	1	introduction	introduction	NOUN
fsr-3428	8	2	credit	credit	NOUN
fsr-3428	8	3	card	card	NOUN
fsr-3428	8	4	usage	usage	NOUN
fsr-3428	8	5	in	in	ADP
fsr-3428	8	6	the	the	DET
fsr-3428	8	7	united	united	PROPN
fsr-3428	8	8	states	states	PROPN
fsr-3428	8	9	is	be	AUX
fsr-3428	8	10	at	at	ADP
fsr-3428	8	11	an	an	DET
fsr-3428	8	12	all	all	DET
fsr-3428	8	13	-	-	PUNCT
fsr-3428	8	14	time	time	NOUN
fsr-3428	8	15	high	high	ADJ
fsr-3428	8	16	.	.	PUNCT
fsr-3428	9	1	in	in	ADP
fsr-3428	9	2	2018	2018	NUM
fsr-3428	9	3	,	,	PUNCT
fsr-3428	9	4	u.s	u.s	PROPN
fsr-3428	9	5	.	.	PROPN
fsr-3428	9	6	consumers	consumer	NOUN
fsr-3428	9	7	amassed	amass	VERB
fsr-3428	9	8	$	$	SYM
fsr-3428	9	9	3.67	3.67	NUM
fsr-3428	9	10	trillion	trillion	NUM
fsr-3428	9	11	in	in	ADP
fsr-3428	9	12	credit	credit	NOUN
fsr-3428	9	13	card	card	NOUN
fsr-3428	9	14	spending	spending	NOUN
fsr-3428	9	15	,	,	PUNCT
fsr-3428	9	16	a	a	DET
fsr-3428	9	17	9.7	9.7	NUM
fsr-3428	9	18	%	%	NOUN
fsr-3428	9	19	annual	annual	ADJ
fsr-3428	9	20	increase	increase	NOUN
fsr-3428	9	21	(	(	PUNCT
fsr-3428	9	22	nilson	nilson	PROPN
fsr-3428	9	23	report	report	PROPN
fsr-3428	9	24	,	,	PUNCT
fsr-3428	9	25	2019	2019	NUM
fsr-3428	9	26	)	)	PUNCT
fsr-3428	9	27	.	.	PUNCT
fsr-3428	10	1	not	not	PART
fsr-3428	10	2	surprisingly	surprisingly	ADV
fsr-3428	10	3	,	,	PUNCT
fsr-3428	10	4	credit	credit	NOUN
fsr-3428	10	5	card	card	NOUN
fsr-3428	10	6	debt	debt	NOUN
fsr-3428	10	7	is	be	AUX
fsr-3428	10	8	also	also	ADV
fsr-3428	10	9	rising	rise	VERB
fsr-3428	10	10	;	;	PUNCT
fsr-3428	10	11	the	the	DET
fsr-3428	10	12	average	average	ADJ
fsr-3428	10	13	u.s	u.s	PROPN
fsr-3428	10	14	.	.	PROPN
fsr-3428	10	15	household	household	NOUN
fsr-3428	10	16	carries	carry	VERB
fsr-3428	10	17	an	an	DET
fsr-3428	10	18	average	average	ADJ
fsr-3428	10	19	revolving	revolve	VERB
fsr-3428	10	20	credit	credit	NOUN
fsr-3428	10	21	card	card	NOUN
fsr-3428	10	22	debt	debt	NOUN
fsr-3428	10	23	of	of	ADP
fsr-3428	10	24	$	$	SYM
fsr-3428	10	25	3,453.1	3,453.1	NUM
fsr-3428	10	26	clearly	clearly	ADV
fsr-3428	10	27	,	,	PUNCT
fsr-3428	10	28	credit	credit	NOUN
fsr-3428	10	29	cards	card	NOUN
fsr-3428	10	30	play	play	VERB
fsr-3428	10	31	a	a	DET
fsr-3428	10	32	significant	significant	ADJ
fsr-3428	10	33	role	role	NOUN
fsr-3428	10	34	in	in	ADP
fsr-3428	10	35	the	the	DET
fsr-3428	10	36	economy	economy	NOUN
fsr-3428	10	37	.	.	PUNCT
fsr-3428	11	1	within	within	ADP
fsr-3428	11	2	this	this	DET
fsr-3428	11	3	market	market	NOUN
fsr-3428	11	4	,	,	PUNCT
fsr-3428	11	5	rewards	reward	NOUN
fsr-3428	11	6	-	-	PUNCT
fsr-3428	11	7	based	base	VERB
fsr-3428	11	8	credit	credit	NOUN
fsr-3428	11	9	cards	card	NOUN
fsr-3428	11	10	are	be	AUX
fsr-3428	11	11	becoming	become	VERB
fsr-3428	11	12	increasingly	increasingly	ADV
fsr-3428	11	13	popular	popular	ADJ
fsr-3428	11	14	.	.	PUNCT
fsr-3428	12	1	rewards	reward	VERB
fsr-3428	12	2	credit	credit	NOUN
fsr-3428	12	3	cards	card	NOUN
fsr-3428	12	4	offer	offer	VERB
fsr-3428	12	5	special	special	ADJ
fsr-3428	12	6	incentives	incentive	NOUN
fsr-3428	12	7	to	to	ADP
fsr-3428	12	8	credit	credit	NOUN
fsr-3428	12	9	card	card	NOUN
fsr-3428	12	10	users	user	NOUN
fsr-3428	12	11	for	for	ADP
fsr-3428	12	12	initial	initial	ADJ
fsr-3428	12	13	and	and	CCONJ
fsr-3428	12	14	continued	continued	ADJ
fsr-3428	12	15	card	card	NOUN
fsr-3428	12	16	use	use	NOUN
fsr-3428	12	17	.	.	PUNCT
fsr-3428	13	1	often	often	ADV
fsr-3428	13	2	,	,	PUNCT
fsr-3428	13	3	these	these	DET
fsr-3428	13	4	cards	card	NOUN
fsr-3428	13	5	provide	provide	VERB
fsr-3428	13	6	“	"	PUNCT
fsr-3428	13	7	cash	cash	NOUN
fsr-3428	13	8	back	back	ADV
fsr-3428	13	9	”	"	PUNCT
fsr-3428	13	10	or	or	CCONJ
fsr-3428	13	11	frequent	frequent	ADJ
fsr-3428	13	12	flier	flier	NOUN
fsr-3428	13	13	miles	mile	NOUN
fsr-3428	13	14	to	to	ADP
fsr-3428	13	15	a	a	DET
fsr-3428	13	16	credit	credit	NOUN
fsr-3428	13	17	card	card	NOUN
fsr-3428	13	18	*	*	PUNCT
fsr-3428	13	19	corresponding	correspond	VERB
fsr-3428	13	20	author	author	NOUN
fsr-3428	13	21	.	.	PUNCT
fsr-3428	14	1	tel	tel	PROPN
fsr-3428	14	2	.	.	PUNCT
fsr-3428	14	3	:	:	PUNCT
fsr-3428	15	1	+1	+1	PROPN
fsr-3428	15	2	-	-	PUNCT
fsr-3428	15	3	678	678	NUM
fsr-3428	15	4	-	-	PUNCT
fsr-3428	15	5	502	502	NUM
fsr-3428	15	6	-	-	NUM
fsr-3428	15	7	0677	0677	NUM
fsr-3428	15	8	;	;	PUNCT
fsr-3428	15	9	fax	fax	NOUN
fsr-3428	15	10	:	:	PUNCT
fsr-3428	15	11	+1	+1	PROPN
fsr-3428	15	12	-	-	PUNCT
fsr-3428	15	13	478	478	NUM
fsr-3428	15	14	-	-	PUNCT
fsr-3428	15	15	445	445	NUM
fsr-3428	15	16	-	-	SYM
fsr-3428	15	17	5249	5249	NUM
fsr-3428	15	18	.	.	PUNCT
fsr-3428	16	1	e	e	X
fsr-3428	16	2	-	-	NOUN
fsr-3428	16	3	mail	mail	NOUN
fsr-3428	16	4	:	:	PUNCT
fsr-3428	16	5	noah.matthew.macdonald@gmail.com	noah.matthew.macdonald@gmail.com	X
fsr-3428	16	6	(	(	PUNCT
fsr-3428	16	7	noah	noah	PROPN
fsr-3428	16	8	macdonald	macdonald	PROPN
fsr-3428	16	9	)	)	PUNCT
fsr-3428	16	10	1057	1057	NUM
fsr-3428	16	11	-	-	SYM
fsr-3428	16	12	0810/20/$	0810/20/$	NUM
fsr-3428	16	13	–	–	PUNCT
fsr-3428	16	14	see	see	VERB
fsr-3428	16	15	front	front	ADJ
fsr-3428	16	16	matter	matter	NOUN
fsr-3428	16	17	©	©	PROPN
fsr-3428	16	18	2020	2020	NUM
fsr-3428	16	19	academy	academy	NOUN
fsr-3428	16	20	of	of	ADP
fsr-3428	16	21	financial	financial	ADJ
fsr-3428	16	22	services	service	NOUN
fsr-3428	16	23	.	.	PUNCT
fsr-3428	17	1	all	all	DET
fsr-3428	17	2	rights	right	NOUN
fsr-3428	17	3	reserved	reserve	VERB
fsr-3428	17	4	.	.	PUNCT
fsr-3428	18	1	financial	financial	ADJ
fsr-3428	18	2	services	service	NOUN
fsr-3428	18	3	review	review	VERB
fsr-3428	18	4	28	28	NUM
fsr-3428	18	5	(	(	PUNCT
fsr-3428	18	6	2020	2020	NUM
fsr-3428	18	7	)	)	PUNCT
fsr-3428	18	8	223–242	223–242	NUM
fsr-3428	18	9	user	user	NOUN
fsr-3428	18	10	.	.	PUNCT
fsr-3428	19	1	today	today	NOUN
fsr-3428	19	2	,	,	PUNCT
fsr-3428	19	3	about	about	ADV
fsr-3428	19	4	57	57	NUM
fsr-3428	19	5	%	%	NOUN
fsr-3428	19	6	of	of	ADP
fsr-3428	19	7	u.s	u.s	PROPN
fsr-3428	19	8	.	.	PROPN
fsr-3428	19	9	citizens	citizen	NOUN
fsr-3428	19	10	hold	hold	VERB
fsr-3428	19	11	at	at	ADV
fsr-3428	19	12	least	least	ADV
fsr-3428	19	13	one	one	NUM
fsr-3428	19	14	“	"	PUNCT
fsr-3428	19	15	rewards	reward	NOUN
fsr-3428	19	16	”	"	PUNCT
fsr-3428	19	17	credit	credit	NOUN
fsr-3428	19	18	card	card	NOUN
fsr-3428	19	19	(	(	PUNCT
fsr-3428	19	20	creditcards	creditcard	NOUN
fsr-3428	19	21	.	.	PUNCT
fsr-3428	19	22	com	com	NOUN
fsr-3428	19	23	,	,	PUNCT
fsr-3428	19	24	2018	2018	NUM
fsr-3428	19	25	)	)	PUNCT
fsr-3428	19	26	with	with	ADP
fsr-3428	19	27	cash	cash	NOUN
fsr-3428	19	28	-	-	PUNCT
fsr-3428	19	29	back	back	NOUN
fsr-3428	19	30	cards	card	NOUN
fsr-3428	19	31	cited	cite	VERB
fsr-3428	19	32	as	as	ADP
fsr-3428	19	33	the	the	DET
fsr-3428	19	34	most	most	ADV
fsr-3428	19	35	popular	popular	ADJ
fsr-3428	19	36	and	and	CCONJ
fsr-3428	19	37	most	most	ADV
fsr-3428	19	38	heavily	heavily	ADV
fsr-3428	19	39	utilized	utilize	VERB
fsr-3428	19	40	form	form	NOUN
fsr-3428	19	41	of	of	ADP
fsr-3428	19	42	rewards	reward	NOUN
fsr-3428	19	43	cards	card	NOUN
fsr-3428	19	44	(	(	PUNCT
fsr-3428	19	45	tsys	tsys	NOUN
fsr-3428	19	46	,	,	PUNCT
fsr-3428	19	47	2018	2018	NUM
fsr-3428	19	48	,	,	PUNCT
fsr-3428	19	49	p.	p.	NOUN
fsr-3428	19	50	23	23	NUM
fsr-3428	19	51	)	)	PUNCT
fsr-3428	19	52	.	.	PUNCT
fsr-3428	20	1	despite	despite	SCONJ
fsr-3428	20	2	the	the	DET
fsr-3428	20	3	prominence	prominence	NOUN
fsr-3428	20	4	and	and	CCONJ
fsr-3428	20	5	relevance	relevance	NOUN
fsr-3428	20	6	of	of	ADP
fsr-3428	20	7	cash	cash	NOUN
fsr-3428	20	8	-	-	PUNCT
fsr-3428	20	9	back	back	NOUN
fsr-3428	20	10	credit	credit	NOUN
fsr-3428	20	11	cards	card	NOUN
fsr-3428	20	12	,	,	PUNCT
fsr-3428	20	13	the	the	DET
fsr-3428	20	14	subject	subject	NOUN
fsr-3428	20	15	has	have	AUX
fsr-3428	20	16	drawn	draw	VERB
fsr-3428	20	17	surprisingly	surprisingly	ADV
fsr-3428	20	18	little	little	ADJ
fsr-3428	20	19	attention	attention	NOUN
fsr-3428	20	20	from	from	ADP
fsr-3428	20	21	academic	academic	ADJ
fsr-3428	20	22	researchers	researcher	NOUN
fsr-3428	20	23	.	.	PUNCT
fsr-3428	21	1	in	in	ADP
fsr-3428	21	2	this	this	DET
fsr-3428	21	3	article	article	NOUN
fsr-3428	21	4	,	,	PUNCT
fsr-3428	21	5	we	we	PRON
fsr-3428	21	6	construct	construct	VERB
fsr-3428	21	7	and	and	CCONJ
fsr-3428	21	8	analyze	analyze	VERB
fsr-3428	21	9	simple	simple	ADJ
fsr-3428	21	10	(	(	PUNCT
fsr-3428	21	11	but	but	CCONJ
fsr-3428	21	12	novel	novel	NOUN
fsr-3428	21	13	)	)	PUNCT
fsr-3428	21	14	graphical	graphical	ADJ
fsr-3428	21	15	models	model	NOUN
fsr-3428	21	16	to	to	PART
fsr-3428	21	17	consider	consider	VERB
fsr-3428	21	18	how	how	SCONJ
fsr-3428	21	19	rational	rational	ADJ
fsr-3428	21	20	consumers	consumer	NOUN
fsr-3428	21	21	respond	respond	VERB
fsr-3428	21	22	to	to	ADP
fsr-3428	21	23	the	the	DET
fsr-3428	21	24	incentives	incentive	NOUN
fsr-3428	21	25	offered	offer	VERB
fsr-3428	21	26	by	by	ADP
fsr-3428	21	27	cash	cash	NOUN
fsr-3428	21	28	-	-	PUNCT
fsr-3428	21	29	back	back	NOUN
fsr-3428	21	30	credit	credit	NOUN
fsr-3428	21	31	cards	card	NOUN
fsr-3428	21	32	.	.	PUNCT
fsr-3428	22	1	our	our	PRON
fsr-3428	22	2	analyses	analysis	NOUN
fsr-3428	22	3	consider	consider	VERB
fsr-3428	22	4	the	the	DET
fsr-3428	22	5	two	two	NUM
fsr-3428	22	6	styles	style	NOUN
fsr-3428	22	7	of	of	ADP
fsr-3428	22	8	rewards	reward	NOUN
fsr-3428	22	9	that	that	PRON
fsr-3428	22	10	are	be	AUX
fsr-3428	22	11	typical	typical	ADJ
fsr-3428	22	12	to	to	ADP
fsr-3428	22	13	cash	cash	NOUN
fsr-3428	22	14	-	-	PUNCT
fsr-3428	22	15	back	back	NOUN
fsr-3428	22	16	credit	credit	NOUN
fsr-3428	22	17	cards	card	NOUN
fsr-3428	22	18	:	:	PUNCT
fsr-3428	22	19	minimum	minimum	NOUN
fsr-3428	22	20	spend	spend	NOUN
fsr-3428	22	21	bonuses	bonus	NOUN
fsr-3428	22	22	and	and	CCONJ
fsr-3428	22	23	per	per	ADP
fsr-3428	22	24	-	-	PUNCT
fsr-3428	22	25	dollar	dollar	NOUN
fsr-3428	22	26	rewards	reward	NOUN
fsr-3428	22	27	.	.	PUNCT
fsr-3428	23	1	minimum	minimum	ADJ
fsr-3428	23	2	spend	spend	NOUN
fsr-3428	23	3	bonuses	bonus	NOUN
fsr-3428	23	4	provide	provide	VERB
fsr-3428	23	5	consumers	consumer	NOUN
fsr-3428	23	6	with	with	ADP
fsr-3428	23	7	a	a	DET
fsr-3428	23	8	large	large	ADJ
fsr-3428	23	9	,	,	PUNCT
fsr-3428	23	10	onetime	onetime	ADJ
fsr-3428	23	11	bonus	bonus	NOUN
fsr-3428	23	12	for	for	ADP
fsr-3428	23	13	reaching	reach	VERB
fsr-3428	23	14	a	a	DET
fsr-3428	23	15	“	"	PUNCT
fsr-3428	23	16	minimum	minimum	ADJ
fsr-3428	23	17	spend	spend	NOUN
fsr-3428	23	18	”	"	PUNCT
fsr-3428	23	19	level	level	NOUN
fsr-3428	23	20	within	within	ADP
fsr-3428	23	21	a	a	DET
fsr-3428	23	22	given	give	VERB
fsr-3428	23	23	period	period	NOUN
fsr-3428	23	24	of	of	ADP
fsr-3428	23	25	time	time	NOUN
fsr-3428	23	26	.	.	PUNCT
fsr-3428	24	1	for	for	ADP
fsr-3428	24	2	example	example	NOUN
fsr-3428	24	3	,	,	PUNCT
fsr-3428	24	4	the	the	DET
fsr-3428	24	5	popular	popular	ADJ
fsr-3428	24	6	chase	chase	NOUN
fsr-3428	24	7	sapphire	sapphire	NOUN
fsr-3428	24	8	preferred	prefer	VERB
fsr-3428	24	9	card	card	NOUN
fsr-3428	24	10	currently	currently	ADV
fsr-3428	24	11	offers	offer	VERB
fsr-3428	24	12	users	user	NOUN
fsr-3428	24	13	60,000	60,000	NUM
fsr-3428	24	14	points	point	NOUN
fsr-3428	24	15	(	(	PUNCT
fsr-3428	24	16	worth	worth	ADJ
fsr-3428	24	17	$	$	SYM
fsr-3428	24	18	600	600	NUM
fsr-3428	24	19	or	or	CCONJ
fsr-3428	24	20	more	more	ADJ
fsr-3428	24	21	)	)	PUNCT
fsr-3428	24	22	for	for	ADP
fsr-3428	24	23	spending	spend	VERB
fsr-3428	24	24	$	$	SYM
fsr-3428	24	25	4,000	4,000	NUM
fsr-3428	24	26	with	with	ADP
fsr-3428	24	27	the	the	DET
fsr-3428	24	28	card	card	NOUN
fsr-3428	24	29	in	in	ADP
fsr-3428	24	30	the	the	DET
fsr-3428	24	31	first	first	ADJ
fsr-3428	24	32	three	three	NUM
fsr-3428	24	33	months	month	NOUN
fsr-3428	24	34	of	of	ADP
fsr-3428	24	35	card	card	NOUN
fsr-3428	24	36	ownership	ownership	NOUN
fsr-3428	24	37	.	.	PUNCT
fsr-3428	25	1	while	while	SCONJ
fsr-3428	25	2	not	not	PART
fsr-3428	25	3	all	all	PRON
fsr-3428	25	4	rewards	reward	NOUN
fsr-3428	25	5	cards	card	NOUN
fsr-3428	25	6	offer	offer	VERB
fsr-3428	25	7	a	a	DET
fsr-3428	25	8	minimum	minimum	NOUN
fsr-3428	25	9	spend	spend	NOUN
fsr-3428	25	10	bonus	bonus	NOUN
fsr-3428	25	11	,	,	PUNCT
fsr-3428	25	12	they	they	PRON
fsr-3428	25	13	almost	almost	ADV
fsr-3428	25	14	always	always	ADV
fsr-3428	25	15	provide	provide	VERB
fsr-3428	25	16	a	a	DET
fsr-3428	25	17	per	per	ADP
fsr-3428	25	18	-	-	PUNCT
fsr-3428	25	19	dollar	dollar	NOUN
fsr-3428	25	20	reward	reward	NOUN
fsr-3428	25	21	incentive	incentive	NOUN
fsr-3428	25	22	.	.	PUNCT
fsr-3428	26	1	the	the	DET
fsr-3428	26	2	aforementioned	aforementione	VERB
fsr-3428	26	3	chase	chase	NOUN
fsr-3428	26	4	sapphire	sapphire	NOUN
fsr-3428	26	5	preferred	prefer	VERB
fsr-3428	26	6	card	card	NOUN
fsr-3428	26	7	,	,	PUNCT
fsr-3428	26	8	for	for	ADP
fsr-3428	26	9	example	example	NOUN
fsr-3428	26	10	,	,	PUNCT
fsr-3428	26	11	gives	give	VERB
fsr-3428	26	12	consumers	consumer	NOUN
fsr-3428	26	13	a	a	DET
fsr-3428	26	14	minimum	minimum	NOUN
fsr-3428	26	15	of	of	ADP
fsr-3428	26	16	one	one	NUM
fsr-3428	26	17	percent	percent	NOUN
fsr-3428	26	18	cash	cash	NOUN
fsr-3428	26	19	-	-	PUNCT
fsr-3428	26	20	back	back	NOUN
fsr-3428	26	21	on	on	ADP
fsr-3428	26	22	every	every	DET
fsr-3428	26	23	dollar	dollar	NOUN
fsr-3428	26	24	spent	spend	VERB
fsr-3428	26	25	when	when	SCONJ
fsr-3428	26	26	using	use	VERB
fsr-3428	26	27	the	the	DET
fsr-3428	26	28	card	card	NOUN
fsr-3428	26	29	.	.	PUNCT
fsr-3428	27	1	by	by	ADP
fsr-3428	27	2	considering	consider	VERB
fsr-3428	27	3	typical	typical	ADJ
fsr-3428	27	4	demand	demand	NOUN
fsr-3428	27	5	curves	curve	NOUN
fsr-3428	27	6	of	of	ADP
fsr-3428	27	7	hypothetical	hypothetical	ADJ
fsr-3428	27	8	,	,	PUNCT
fsr-3428	27	9	rational	rational	ADJ
fsr-3428	27	10	consumers	consumer	NOUN
fsr-3428	27	11	,	,	PUNCT
fsr-3428	27	12	we	we	PRON
fsr-3428	27	13	show	show	VERB
fsr-3428	27	14	that	that	SCONJ
fsr-3428	27	15	the	the	DET
fsr-3428	27	16	use	use	NOUN
fsr-3428	27	17	of	of	ADP
fsr-3428	27	18	cash	cash	NOUN
fsr-3428	27	19	-	-	PUNCT
fsr-3428	27	20	back	back	NOUN
fsr-3428	27	21	credit	credit	NOUN
fsr-3428	27	22	cards	card	NOUN
fsr-3428	27	23	will	will	AUX
fsr-3428	27	24	not	not	PART
fsr-3428	27	25	affect	affect	VERB
fsr-3428	27	26	all	all	DET
fsr-3428	27	27	consumers	consumer	NOUN
fsr-3428	27	28	equally	equally	ADV
fsr-3428	27	29	.	.	PUNCT
fsr-3428	28	1	specifically	specifically	ADV
fsr-3428	28	2	,	,	PUNCT
fsr-3428	28	3	consumers	consumer	NOUN
fsr-3428	28	4	with	with	ADP
fsr-3428	28	5	very	very	ADV
fsr-3428	28	6	inelastic	inelastic	ADJ
fsr-3428	28	7	demand	demand	NOUN
fsr-3428	28	8	curves	curve	NOUN
fsr-3428	28	9	will	will	AUX
fsr-3428	28	10	generally	generally	ADV
fsr-3428	28	11	reduce	reduce	VERB
fsr-3428	28	12	overall	overall	ADJ
fsr-3428	28	13	expenditures	expenditure	NOUN
fsr-3428	28	14	(	(	PUNCT
fsr-3428	28	15	once	once	ADV
fsr-3428	28	16	rewards	reward	NOUN
fsr-3428	28	17	are	be	AUX
fsr-3428	28	18	incorporated	incorporate	VERB
fsr-3428	28	19	)	)	PUNCT
fsr-3428	28	20	with	with	ADP
fsr-3428	28	21	a	a	DET
fsr-3428	28	22	rewards	reward	NOUN
fsr-3428	28	23	credit	credit	NOUN
fsr-3428	28	24	card	card	NOUN
fsr-3428	28	25	,	,	PUNCT
fsr-3428	28	26	relative	relative	ADJ
fsr-3428	28	27	to	to	ADP
fsr-3428	28	28	cash	cash	NOUN
fsr-3428	28	29	or	or	CCONJ
fsr-3428	28	30	checks	check	NOUN
fsr-3428	28	31	.	.	PUNCT
fsr-3428	29	1	in	in	ADP
fsr-3428	29	2	contrast	contrast	NOUN
fsr-3428	29	3	,	,	PUNCT
fsr-3428	29	4	someone	someone	PRON
fsr-3428	29	5	with	with	ADP
fsr-3428	29	6	a	a	DET
fsr-3428	29	7	very	very	ADV
fsr-3428	29	8	elastic	elastic	ADJ
fsr-3428	29	9	demand	demand	NOUN
fsr-3428	29	10	curve	curve	NOUN
fsr-3428	29	11	would	would	AUX
fsr-3428	29	12	greatly	greatly	ADV
fsr-3428	29	13	enhance	enhance	VERB
fsr-3428	29	14	spending	spending	NOUN
fsr-3428	29	15	when	when	SCONJ
fsr-3428	29	16	using	use	VERB
fsr-3428	29	17	a	a	DET
fsr-3428	29	18	cash	cash	NOUN
fsr-3428	29	19	-	-	PUNCT
fsr-3428	29	20	back	back	NOUN
fsr-3428	29	21	card	card	NOUN
fsr-3428	29	22	in	in	ADP
fsr-3428	29	23	lieu	lieu	NOUN
fsr-3428	29	24	of	of	ADP
fsr-3428	29	25	cash	cash	NOUN
fsr-3428	29	26	.	.	PUNCT
fsr-3428	30	1	beyond	beyond	ADP
fsr-3428	30	2	these	these	DET
fsr-3428	30	3	general	general	ADJ
fsr-3428	30	4	findings	finding	NOUN
fsr-3428	30	5	,	,	PUNCT
fsr-3428	30	6	we	we	PRON
fsr-3428	30	7	find	find	VERB
fsr-3428	30	8	that	that	SCONJ
fsr-3428	30	9	minimum	minimum	ADJ
fsr-3428	30	10	spend	spend	NOUN
fsr-3428	30	11	limits	limit	NOUN
fsr-3428	30	12	may	may	AUX
fsr-3428	30	13	lead	lead	VERB
fsr-3428	30	14	to	to	ADP
fsr-3428	30	15	interesting	interesting	ADJ
fsr-3428	30	16	consumption	consumption	NOUN
fsr-3428	30	17	choices	choice	NOUN
fsr-3428	30	18	for	for	ADP
fsr-3428	30	19	consumers	consumer	NOUN
fsr-3428	30	20	whose	whose	DET
fsr-3428	30	21	spending	spending	NOUN
fsr-3428	30	22	levels	level	NOUN
fsr-3428	30	23	are	be	AUX
fsr-3428	30	24	typically	typically	ADV
fsr-3428	30	25	less	less	ADJ
fsr-3428	30	26	than	than	ADP
fsr-3428	30	27	the	the	DET
fsr-3428	30	28	minimum	minimum	NOUN
fsr-3428	30	29	spend	spend	NOUN
fsr-3428	30	30	threshold	threshold	NOUN
fsr-3428	30	31	offered	offer	VERB
fsr-3428	30	32	by	by	ADP
fsr-3428	30	33	the	the	DET
fsr-3428	30	34	card	card	NOUN
fsr-3428	30	35	.	.	PUNCT
fsr-3428	31	1	in	in	ADP
fsr-3428	31	2	aggregate	aggregate	NOUN
fsr-3428	31	3	,	,	PUNCT
fsr-3428	31	4	our	our	PRON
fsr-3428	31	5	theoretical	theoretical	ADJ
fsr-3428	31	6	findings	finding	NOUN
fsr-3428	31	7	suggest	suggest	VERB
fsr-3428	31	8	that	that	SCONJ
fsr-3428	31	9	the	the	DET
fsr-3428	31	10	connection	connection	NOUN
fsr-3428	31	11	between	between	ADP
fsr-3428	31	12	the	the	DET
fsr-3428	31	13	use	use	NOUN
fsr-3428	31	14	of	of	ADP
fsr-3428	31	15	cash	cash	NOUN
fsr-3428	31	16	-	-	PUNCT
fsr-3428	31	17	back	back	NOUN
fsr-3428	31	18	credit	credit	NOUN
fsr-3428	31	19	cards	card	NOUN
fsr-3428	31	20	and	and	CCONJ
fsr-3428	31	21	one	one	NUM
fsr-3428	31	22	’s	’s	PART
fsr-3428	31	23	savings	saving	NOUN
fsr-3428	31	24	rate	rate	NOUN
fsr-3428	31	25	varies	vary	VERB
fsr-3428	31	26	greatly	greatly	ADV
fsr-3428	31	27	across	across	ADP
fsr-3428	31	28	consumers	consumer	NOUN
fsr-3428	31	29	.	.	PUNCT
fsr-3428	32	1	the	the	DET
fsr-3428	32	2	implications	implication	NOUN
fsr-3428	32	3	from	from	ADP
fsr-3428	32	4	the	the	DET
fsr-3428	32	5	theoretical	theoretical	ADJ
fsr-3428	32	6	models	model	NOUN
fsr-3428	32	7	included	include	VERB
fsr-3428	32	8	herein	herein	NOUN
fsr-3428	32	9	are	be	AUX
fsr-3428	32	10	not	not	PART
fsr-3428	32	11	trivial	trivial	ADJ
fsr-3428	32	12	.	.	PUNCT
fsr-3428	33	1	if	if	SCONJ
fsr-3428	33	2	cash	cash	NOUN
fsr-3428	33	3	-	-	PUNCT
fsr-3428	33	4	back	back	NOUN
fsr-3428	33	5	credit	credit	NOUN
fsr-3428	33	6	cards	card	NOUN
fsr-3428	33	7	increase	increase	VERB
fsr-3428	33	8	spending	spending	NOUN
fsr-3428	33	9	levels	level	NOUN
fsr-3428	33	10	for	for	ADP
fsr-3428	33	11	some	some	DET
fsr-3428	33	12	consumers	consumer	NOUN
fsr-3428	33	13	,	,	PUNCT
fsr-3428	33	14	the	the	DET
fsr-3428	33	15	growing	grow	VERB
fsr-3428	33	16	popularity	popularity	NOUN
fsr-3428	33	17	of	of	ADP
fsr-3428	33	18	such	such	ADJ
fsr-3428	33	19	cards	card	NOUN
fsr-3428	33	20	could	could	AUX
fsr-3428	33	21	lead	lead	VERB
fsr-3428	33	22	to	to	ADP
fsr-3428	33	23	an	an	DET
fsr-3428	33	24	overall	overall	ADJ
fsr-3428	33	25	reduction	reduction	NOUN
fsr-3428	33	26	in	in	ADP
fsr-3428	33	27	savings	saving	NOUN
fsr-3428	33	28	rates	rate	NOUN
fsr-3428	33	29	in	in	ADP
fsr-3428	33	30	the	the	DET
fsr-3428	33	31	united	united	PROPN
fsr-3428	33	32	states	states	PROPN
fsr-3428	33	33	,	,	PUNCT
fsr-3428	33	34	spurring	spur	VERB
fsr-3428	33	35	shortterm	shortterm	NOUN
fsr-3428	33	36	economic	economic	ADJ
fsr-3428	33	37	growth	growth	NOUN
fsr-3428	33	38	,	,	PUNCT
fsr-3428	33	39	but	but	CCONJ
fsr-3428	33	40	delaying	delay	VERB
fsr-3428	33	41	retirement	retirement	NOUN
fsr-3428	33	42	for	for	ADP
fsr-3428	33	43	many	many	ADJ
fsr-3428	33	44	.	.	PUNCT
fsr-3428	34	1	if	if	SCONJ
fsr-3428	34	2	this	this	PRON
fsr-3428	34	3	is	be	AUX
fsr-3428	34	4	indeed	indeed	ADV
fsr-3428	34	5	occurring	occur	VERB
fsr-3428	34	6	,	,	PUNCT
fsr-3428	34	7	the	the	DET
fsr-3428	34	8	burden	burden	NOUN
fsr-3428	34	9	of	of	ADP
fsr-3428	34	10	savings	saving	NOUN
fsr-3428	34	11	may	may	AUX
fsr-3428	34	12	fall	fall	VERB
fsr-3428	34	13	more	more	ADV
fsr-3428	34	14	heavily	heavily	ADV
fsr-3428	34	15	on	on	ADP
fsr-3428	34	16	government	government	NOUN
fsr-3428	34	17	programs	program	NOUN
fsr-3428	34	18	such	such	ADJ
fsr-3428	34	19	as	as	ADP
fsr-3428	34	20	social	social	ADJ
fsr-3428	34	21	security	security	NOUN
fsr-3428	34	22	.	.	PUNCT
fsr-3428	35	1	while	while	SCONJ
fsr-3428	35	2	we	we	PRON
fsr-3428	35	3	do	do	AUX
fsr-3428	35	4	not	not	PART
fsr-3428	35	5	claim	claim	VERB
fsr-3428	35	6	that	that	SCONJ
fsr-3428	35	7	our	our	PRON
fsr-3428	35	8	theoretical	theoretical	ADJ
fsr-3428	35	9	model	model	NOUN
fsr-3428	35	10	could	could	AUX
fsr-3428	35	11	possibly	possibly	ADV
fsr-3428	35	12	prove	prove	VERB
fsr-3428	35	13	this	this	PRON
fsr-3428	35	14	is	be	AUX
fsr-3428	35	15	occurring	occur	VERB
fsr-3428	35	16	,	,	PUNCT
fsr-3428	35	17	our	our	PRON
fsr-3428	35	18	research	research	NOUN
fsr-3428	35	19	will	will	AUX
fsr-3428	35	20	hopefully	hopefully	ADV
fsr-3428	35	21	encourage	encourage	VERB
fsr-3428	35	22	others	other	NOUN
fsr-3428	35	23	to	to	PART
fsr-3428	35	24	consider	consider	VERB
fsr-3428	35	25	the	the	DET
fsr-3428	35	26	role	role	NOUN
fsr-3428	35	27	of	of	ADP
fsr-3428	35	28	credit	credit	NOUN
fsr-3428	35	29	cards	card	NOUN
fsr-3428	35	30	in	in	ADP
fsr-3428	35	31	determining	determine	VERB
fsr-3428	35	32	consumption	consumption	NOUN
fsr-3428	35	33	and	and	CCONJ
fsr-3428	35	34	savings	saving	NOUN
fsr-3428	35	35	decisions	decision	NOUN
fsr-3428	35	36	.	.	PUNCT
fsr-3428	36	1	while	while	SCONJ
fsr-3428	36	2	enhanced	enhance	VERB
fsr-3428	36	3	spending	spending	NOUN
fsr-3428	36	4	from	from	ADP
fsr-3428	36	5	credit	credit	NOUN
fsr-3428	36	6	card	card	NOUN
fsr-3428	36	7	usage	usage	NOUN
fsr-3428	36	8	has	have	AUX
fsr-3428	36	9	been	be	AUX
fsr-3428	36	10	linked	link	VERB
fsr-3428	36	11	to	to	ADP
fsr-3428	36	12	increased	increase	VERB
fsr-3428	36	13	consumer	consumer	NOUN
fsr-3428	36	14	borrowing	borrowing	NOUN
fsr-3428	36	15	and	and	CCONJ
fsr-3428	36	16	money	money	NOUN
fsr-3428	36	17	mismanagement	mismanagement	NOUN
fsr-3428	36	18	,	,	PUNCT
fsr-3428	36	19	our	our	PRON
fsr-3428	36	20	simple	simple	ADJ
fsr-3428	36	21	analyses	analysis	NOUN
fsr-3428	36	22	show	show	VERB
fsr-3428	36	23	that	that	SCONJ
fsr-3428	36	24	increased	increase	VERB
fsr-3428	36	25	spending	spending	NOUN
fsr-3428	36	26	could	could	AUX
fsr-3428	36	27	merely	merely	ADV
fsr-3428	36	28	be	be	AUX
fsr-3428	36	29	the	the	DET
fsr-3428	36	30	result	result	NOUN
fsr-3428	36	31	of	of	ADP
fsr-3428	36	32	consumers	consumer	NOUN
fsr-3428	36	33	rationally	rationally	ADV
fsr-3428	36	34	responding	respond	VERB
fsr-3428	36	35	to	to	ADP
fsr-3428	36	36	the	the	DET
fsr-3428	36	37	incentives	incentive	NOUN
fsr-3428	36	38	provided	provide	VERB
fsr-3428	36	39	by	by	ADP
fsr-3428	36	40	rewards	reward	NOUN
fsr-3428	36	41	cards	card	NOUN
fsr-3428	36	42	.	.	PUNCT
fsr-3428	37	1	2	2	X
fsr-3428	37	2	.	.	X
fsr-3428	37	3	the	the	DET
fsr-3428	37	4	logistics	logistic	NOUN
fsr-3428	37	5	of	of	ADP
fsr-3428	37	6	rewards	reward	NOUN
fsr-3428	37	7	credit	credit	NOUN
fsr-3428	37	8	cards	card	NOUN
fsr-3428	37	9	the	the	DET
fsr-3428	37	10	credit	credit	NOUN
fsr-3428	37	11	cards	card	NOUN
fsr-3428	37	12	rewards	reward	VERB
fsr-3428	37	13	sphere	sphere	ADV
fsr-3428	37	14	is	be	AUX
fsr-3428	37	15	surprisingly	surprisingly	ADV
fsr-3428	37	16	complicated	complicated	ADJ
fsr-3428	37	17	.	.	PUNCT
fsr-3428	38	1	virtually	virtually	ADV
fsr-3428	38	2	all	all	DET
fsr-3428	38	3	credit	credit	NOUN
fsr-3428	38	4	cards	card	NOUN
fsr-3428	38	5	seem	seem	VERB
fsr-3428	38	6	to	to	PART
fsr-3428	38	7	have	have	VERB
fsr-3428	38	8	their	their	PRON
fsr-3428	38	9	own	own	ADJ
fsr-3428	38	10	associated	associated	ADJ
fsr-3428	38	11	rules	rule	NOUN
fsr-3428	38	12	regarding	regard	VERB
fsr-3428	38	13	spending	spending	NOUN
fsr-3428	38	14	and	and	CCONJ
fsr-3428	38	15	redemptions	redemption	NOUN
fsr-3428	38	16	.	.	PUNCT
fsr-3428	39	1	first	first	ADV
fsr-3428	39	2	,	,	PUNCT
fsr-3428	39	3	let	let	VERB
fsr-3428	39	4	us	we	PRON
fsr-3428	39	5	consider	consider	VERB
fsr-3428	39	6	a	a	DET
fsr-3428	39	7	relatively	relatively	ADV
fsr-3428	39	8	simple	simple	ADJ
fsr-3428	39	9	credit	credit	NOUN
fsr-3428	39	10	card	card	NOUN
fsr-3428	39	11	,	,	PUNCT
fsr-3428	39	12	the	the	DET
fsr-3428	39	13	citi	citi	NOUN
fsr-3428	39	14	double	double	ADJ
fsr-3428	39	15	cash	cash	NOUN
fsr-3428	39	16	card	card	NOUN
fsr-3428	39	17	.	.	PUNCT
fsr-3428	40	1	the	the	DET
fsr-3428	40	2	citi	citi	PROPN
fsr-3428	40	3	double	double	ADJ
fsr-3428	40	4	cash	cash	NOUN
fsr-3428	40	5	card	card	NOUN
fsr-3428	40	6	effectively	effectively	ADV
fsr-3428	40	7	offers	offer	VERB
fsr-3428	40	8	a	a	DET
fsr-3428	40	9	two	two	NUM
fsr-3428	40	10	percent	percent	NOUN
fsr-3428	40	11	cash	cash	NOUN
fsr-3428	40	12	-	-	PUNCT
fsr-3428	40	13	back	back	NOUN
fsr-3428	40	14	benefit	benefit	NOUN
fsr-3428	40	15	on	on	ADP
fsr-3428	40	16	all	all	DET
fsr-3428	40	17	purchases	purchase	NOUN
fsr-3428	40	18	(	(	PUNCT
fsr-3428	40	19	citi	citi	NOUN
fsr-3428	40	20	,	,	PUNCT
fsr-3428	40	21	2019	2019	NUM
fsr-3428	40	22	)	)	PUNCT
fsr-3428	40	23	.	.	PUNCT
fsr-3428	41	1	for	for	ADP
fsr-3428	41	2	example	example	NOUN
fsr-3428	41	3	,	,	PUNCT
fsr-3428	41	4	if	if	SCONJ
fsr-3428	41	5	you	you	PRON
fsr-3428	41	6	make	make	VERB
fsr-3428	41	7	a	a	DET
fsr-3428	41	8	$	$	SYM
fsr-3428	41	9	100	100	NUM
fsr-3428	41	10	purchase	purchase	NOUN
fsr-3428	41	11	with	with	ADP
fsr-3428	41	12	this	this	DET
fsr-3428	41	13	credit	credit	NOUN
fsr-3428	41	14	card	card	NOUN
fsr-3428	41	15	,	,	PUNCT
fsr-3428	41	16	you	you	PRON
fsr-3428	41	17	would	would	AUX
fsr-3428	41	18	effectively	effectively	ADV
fsr-3428	41	19	only	only	ADV
fsr-3428	41	20	pay	pay	VERB
fsr-3428	41	21	224	224	NUM
fsr-3428	41	22	n.	n.	PROPN
fsr-3428	41	23	macdonald	macdonald	PROPN
fsr-3428	41	24	,	,	PUNCT
fsr-3428	41	25	b.	b.	PROPN
fsr-3428	41	26	evans	evans	PROPN
fsr-3428	41	27	/	/	SYM
fsr-3428	41	28	financial	financial	ADJ
fsr-3428	41	29	services	service	NOUN
fsr-3428	41	30	review	review	VERB
fsr-3428	41	31	28	28	NUM
fsr-3428	41	32	(	(	PUNCT
fsr-3428	41	33	2020	2020	NUM
fsr-3428	41	34	)	)	PUNCT
fsr-3428	42	1	223–242	223–242	NUM
fsr-3428	42	2	$	$	SYM
fsr-3428	42	3	98	98	NUM
fsr-3428	42	4	after	after	SCONJ
fsr-3428	42	5	the	the	DET
fsr-3428	42	6	cash	cash	NOUN
fsr-3428	42	7	-	-	PUNCT
fsr-3428	42	8	back	back	NOUN
fsr-3428	42	9	rewards	reward	NOUN
fsr-3428	42	10	is	be	AUX
fsr-3428	42	11	attributed	attribute	VERB
fsr-3428	42	12	to	to	ADP
fsr-3428	42	13	your	your	PRON
fsr-3428	42	14	account	account	NOUN
fsr-3428	42	15	.	.	PUNCT
fsr-3428	43	1	while	while	SCONJ
fsr-3428	43	2	there	there	PRON
fsr-3428	43	3	are	be	VERB
fsr-3428	43	4	many	many	ADJ
fsr-3428	43	5	simple	simple	ADJ
fsr-3428	43	6	cards	card	NOUN
fsr-3428	43	7	like	like	ADP
fsr-3428	43	8	the	the	DET
fsr-3428	43	9	citi	citi	PROPN
fsr-3428	43	10	double	double	ADJ
fsr-3428	43	11	cash	cash	NOUN
fsr-3428	43	12	card	card	NOUN
fsr-3428	43	13	,	,	PUNCT
fsr-3428	43	14	the	the	DET
fsr-3428	43	15	most	most	ADV
fsr-3428	43	16	highly	highly	ADV
fsr-3428	43	17	-	-	PUNCT
fsr-3428	43	18	coveted	covet	VERB
fsr-3428	43	19	rewards	reward	NOUN
fsr-3428	43	20	credit	credit	NOUN
fsr-3428	43	21	cards	card	NOUN
fsr-3428	43	22	offer	offer	VERB
fsr-3428	43	23	a	a	DET
fsr-3428	43	24	minimum	minimum	NOUN
fsr-3428	43	25	spend	spend	NOUN
fsr-3428	43	26	bonus	bonus	NOUN
fsr-3428	43	27	(	(	PUNCT
fsr-3428	43	28	msb	msb	PROPN
fsr-3428	43	29	)	)	PUNCT
fsr-3428	43	30	.	.	PUNCT
fsr-3428	44	1	an	an	DET
fsr-3428	44	2	msb	msb	PROPN
fsr-3428	44	3	allows	allow	VERB
fsr-3428	44	4	consumers	consumer	NOUN
fsr-3428	44	5	to	to	PART
fsr-3428	44	6	receive	receive	VERB
fsr-3428	44	7	a	a	DET
fsr-3428	44	8	significant	significant	ADJ
fsr-3428	44	9	reward	reward	NOUN
fsr-3428	44	10	if	if	SCONJ
fsr-3428	44	11	they	they	PRON
fsr-3428	44	12	reach	reach	VERB
fsr-3428	44	13	a	a	DET
fsr-3428	44	14	given	give	VERB
fsr-3428	44	15	spending	spending	NOUN
fsr-3428	44	16	threshold	threshold	NOUN
fsr-3428	44	17	within	within	ADP
fsr-3428	44	18	a	a	DET
fsr-3428	44	19	given	give	VERB
fsr-3428	44	20	period	period	NOUN
fsr-3428	44	21	of	of	ADP
fsr-3428	44	22	time	time	NOUN
fsr-3428	44	23	.	.	PUNCT
fsr-3428	45	1	for	for	ADP
fsr-3428	45	2	example	example	NOUN
fsr-3428	45	3	,	,	PUNCT
fsr-3428	45	4	the	the	DET
fsr-3428	45	5	wells	wells	PROPN
fsr-3428	45	6	fargo	fargo	PROPN
fsr-3428	45	7	cash	cash	PROPN
fsr-3428	45	8	wise	wise	ADJ
fsr-3428	45	9	card	card	NOUN
fsr-3428	45	10	offers	offer	VERB
fsr-3428	45	11	a	a	DET
fsr-3428	45	12	$	$	SYM
fsr-3428	45	13	200	200	NUM
fsr-3428	45	14	cash	cash	NOUN
fsr-3428	45	15	bonus	bonus	NOUN
fsr-3428	45	16	if	if	SCONJ
fsr-3428	45	17	the	the	DET
fsr-3428	45	18	user	user	NOUN
fsr-3428	45	19	makes	make	VERB
fsr-3428	45	20	at	at	ADP
fsr-3428	45	21	least	least	ADV
fsr-3428	45	22	$	$	SYM
fsr-3428	45	23	1,000	1,000	NUM
fsr-3428	45	24	in	in	ADP
fsr-3428	45	25	purchases	purchase	NOUN
fsr-3428	45	26	within	within	ADP
fsr-3428	45	27	the	the	DET
fsr-3428	45	28	first	first	ADJ
fsr-3428	45	29	three	three	NUM
fsr-3428	45	30	months	month	NOUN
fsr-3428	45	31	in	in	ADP
fsr-3428	45	32	addition	addition	NOUN
fsr-3428	45	33	to	to	ADP
fsr-3428	45	34	a	a	DET
fsr-3428	45	35	standard	standard	ADJ
fsr-3428	45	36	1.5	1.5	NUM
fsr-3428	45	37	%	%	NOUN
fsr-3428	45	38	cash	cash	NOUN
fsr-3428	45	39	-	-	PUNCT
fsr-3428	45	40	back	back	NOUN
fsr-3428	45	41	benefit	benefit	NOUN
fsr-3428	45	42	on	on	ADP
fsr-3428	45	43	all	all	DET
fsr-3428	45	44	purchases	purchase	NOUN
fsr-3428	45	45	.	.	PUNCT
fsr-3428	46	1	this	this	PRON
fsr-3428	46	2	is	be	AUX
fsr-3428	46	3	a	a	DET
fsr-3428	46	4	rather	rather	ADV
fsr-3428	46	5	lucrative	lucrative	ADJ
fsr-3428	46	6	offer	offer	NOUN
fsr-3428	46	7	.	.	PUNCT
fsr-3428	47	1	a	a	DET
fsr-3428	47	2	user	user	NOUN
fsr-3428	47	3	that	that	PRON
fsr-3428	47	4	spends	spend	VERB
fsr-3428	47	5	$	$	SYM
fsr-3428	47	6	2,000	2,000	NUM
fsr-3428	47	7	on	on	ADP
fsr-3428	47	8	the	the	DET
fsr-3428	47	9	card	card	NOUN
fsr-3428	47	10	earns	earn	VERB
fsr-3428	47	11	a	a	DET
fsr-3428	47	12	standard	standard	ADJ
fsr-3428	47	13	1.5	1.5	NUM
fsr-3428	47	14	%	%	NOUN
fsr-3428	47	15	return	return	NOUN
fsr-3428	47	16	on	on	ADP
fsr-3428	47	17	all	all	DET
fsr-3428	47	18	purchases	purchase	NOUN
fsr-3428	47	19	(	(	PUNCT
fsr-3428	47	20	$	$	SYM
fsr-3428	47	21	2,000	2,000	NUM
fsr-3428	47	22	*	*	SYM
fsr-3428	47	23	1.5	1.5	NUM
fsr-3428	47	24	%	%	NOUN
fsr-3428	47	25	=	=	NOUN
fsr-3428	47	26	$	$	SYM
fsr-3428	47	27	30	30	NUM
fsr-3428	47	28	)	)	PUNCT
fsr-3428	47	29	in	in	ADP
fsr-3428	47	30	addition	addition	NOUN
fsr-3428	47	31	to	to	ADP
fsr-3428	47	32	a	a	DET
fsr-3428	47	33	$	$	SYM
fsr-3428	47	34	200	200	NUM
fsr-3428	47	35	cash	cash	NOUN
fsr-3428	47	36	return	return	NOUN
fsr-3428	47	37	.	.	PUNCT
fsr-3428	48	1	thus	thus	ADV
fsr-3428	48	2	,	,	PUNCT
fsr-3428	48	3	this	this	DET
fsr-3428	48	4	consumer	consumer	NOUN
fsr-3428	48	5	is	be	AUX
fsr-3428	48	6	able	able	ADJ
fsr-3428	48	7	to	to	PART
fsr-3428	48	8	spend	spend	VERB
fsr-3428	48	9	$	$	SYM
fsr-3428	48	10	1,770	1,770	NUM
fsr-3428	48	11	to	to	PART
fsr-3428	48	12	buy	buy	VERB
fsr-3428	48	13	$	$	SYM
fsr-3428	48	14	2,000	2,000	NUM
fsr-3428	48	15	worth	worth	NOUN
fsr-3428	48	16	of	of	ADP
fsr-3428	48	17	goods	good	NOUN
fsr-3428	48	18	—	—	PUNCT
fsr-3428	48	19	an	an	DET
fsr-3428	48	20	11.5	11.5	NUM
fsr-3428	48	21	%	%	NOUN
fsr-3428	48	22	cost	cost	NOUN
fsr-3428	48	23	reduction	reduction	NOUN
fsr-3428	48	24	.	.	PUNCT
fsr-3428	49	1	the	the	DET
fsr-3428	49	2	msb	msb	PROPN
fsr-3428	49	3	is	be	AUX
fsr-3428	49	4	what	what	PRON
fsr-3428	49	5	leads	lead	VERB
fsr-3428	49	6	the	the	DET
fsr-3428	49	7	most	most	ADV
fsr-3428	49	8	savvy	savvy	ADJ
fsr-3428	49	9	credit	credit	NOUN
fsr-3428	49	10	card	card	NOUN
fsr-3428	49	11	users	user	NOUN
fsr-3428	49	12	to	to	PART
fsr-3428	49	13	apply	apply	VERB
fsr-3428	49	14	for	for	ADP
fsr-3428	49	15	several	several	ADJ
fsr-3428	49	16	credit	credit	NOUN
fsr-3428	49	17	cards	card	NOUN
fsr-3428	49	18	in	in	ADP
fsr-3428	49	19	a	a	DET
fsr-3428	49	20	given	give	VERB
fsr-3428	49	21	year	year	NOUN
fsr-3428	49	22	,	,	PUNCT
fsr-3428	49	23	reaching	reach	VERB
fsr-3428	49	24	the	the	DET
fsr-3428	49	25	msb	msb	PROPN
fsr-3428	49	26	on	on	ADP
fsr-3428	49	27	multiple	multiple	ADJ
fsr-3428	49	28	cards	card	NOUN
fsr-3428	49	29	to	to	PART
fsr-3428	49	30	maximize	maximize	VERB
fsr-3428	49	31	benefits.2	benefits.2	ADP
fsr-3428	49	32	this	this	DET
fsr-3428	49	33	practice	practice	NOUN
fsr-3428	49	34	of	of	ADP
fsr-3428	49	35	“	"	PUNCT
fsr-3428	49	36	credit	credit	NOUN
fsr-3428	49	37	card	card	NOUN
fsr-3428	49	38	churning	churning	NOUN
fsr-3428	49	39	”	"	PUNCT
fsr-3428	49	40	has	have	AUX
fsr-3428	49	41	become	become	VERB
fsr-3428	49	42	so	so	ADV
fsr-3428	49	43	popular	popular	ADJ
fsr-3428	49	44	that	that	SCONJ
fsr-3428	49	45	many	many	ADJ
fsr-3428	49	46	credit	credit	NOUN
fsr-3428	49	47	card	card	NOUN
fsr-3428	49	48	issuers	issuer	NOUN
fsr-3428	49	49	have	have	AUX
fsr-3428	49	50	implemented	implement	VERB
fsr-3428	49	51	rules	rule	NOUN
fsr-3428	49	52	to	to	PART
fsr-3428	49	53	slow	slow	VERB
fsr-3428	49	54	such	such	ADJ
fsr-3428	49	55	activities	activity	NOUN
fsr-3428	49	56	;	;	PUNCT
fsr-3428	49	57	for	for	ADP
fsr-3428	49	58	example	example	NOUN
fsr-3428	49	59	,	,	PUNCT
fsr-3428	49	60	chase	chase	NOUN
fsr-3428	49	61	often	often	ADV
fsr-3428	49	62	denies	deny	VERB
fsr-3428	49	63	applications	application	NOUN
fsr-3428	49	64	for	for	ADP
fsr-3428	49	65	new	new	ADJ
fsr-3428	49	66	credit	credit	NOUN
fsr-3428	49	67	cards	card	NOUN
fsr-3428	49	68	for	for	ADP
fsr-3428	49	69	individuals	individual	NOUN
fsr-3428	49	70	that	that	PRON
fsr-3428	49	71	have	have	AUX
fsr-3428	49	72	applied	apply	VERB
fsr-3428	49	73	for	for	ADP
fsr-3428	49	74	five	five	NUM
fsr-3428	49	75	or	or	CCONJ
fsr-3428	49	76	more	more	ADJ
fsr-3428	49	77	credit	credit	NOUN
fsr-3428	49	78	cards	card	NOUN
fsr-3428	49	79	in	in	ADP
fsr-3428	49	80	the	the	DET
fsr-3428	49	81	last	last	ADJ
fsr-3428	49	82	24months	24month	NOUN
fsr-3428	49	83	(	(	PUNCT
fsr-3428	49	84	kerr	kerr	PROPN
fsr-3428	49	85	,	,	PUNCT
fsr-3428	49	86	2019	2019	NUM
fsr-3428	49	87	)	)	PUNCT
fsr-3428	49	88	.	.	PUNCT
fsr-3428	50	1	nonetheless	nonetheless	ADV
fsr-3428	50	2	,	,	PUNCT
fsr-3428	50	3	credit	credit	NOUN
fsr-3428	50	4	card	card	NOUN
fsr-3428	50	5	churning	churn	VERB
fsr-3428	50	6	is	be	AUX
fsr-3428	50	7	a	a	DET
fsr-3428	50	8	popular	popular	ADJ
fsr-3428	50	9	hobby	hobby	NOUN
fsr-3428	50	10	.	.	PUNCT
fsr-3428	51	1	for	for	ADP
fsr-3428	51	2	example	example	NOUN
fsr-3428	51	3	,	,	PUNCT
fsr-3428	51	4	the	the	DET
fsr-3428	51	5	message	message	NOUN
fsr-3428	51	6	board	board	NOUN
fsr-3428	51	7	website	website	NOUN
fsr-3428	51	8	,	,	PUNCT
fsr-3428	51	9	reddit.com	reddit.com	X
fsr-3428	51	10	,	,	PUNCT
fsr-3428	51	11	has	have	VERB
fsr-3428	51	12	a	a	DET
fsr-3428	51	13	forum	forum	NOUN
fsr-3428	51	14	dedicated	dedicate	VERB
fsr-3428	51	15	solely	solely	ADV
fsr-3428	51	16	to	to	ADP
fsr-3428	51	17	the	the	DET
fsr-3428	51	18	practice	practice	NOUN
fsr-3428	51	19	of	of	ADP
fsr-3428	51	20	churning	churn	VERB
fsr-3428	51	21	(	(	PUNCT
fsr-3428	51	22	reddit.com/r/churning	reddit.com/r/churne	VERB
fsr-3428	51	23	)	)	PUNCT
fsr-3428	51	24	,	,	PUNCT
fsr-3428	51	25	which	which	PRON
fsr-3428	51	26	currently	currently	ADV
fsr-3428	51	27	has	have	VERB
fsr-3428	51	28	210,000	210,000	NUM
fsr-3428	51	29	members	member	NOUN
fsr-3428	51	30	.	.	PUNCT
fsr-3428	52	1	the	the	DET
fsr-3428	52	2	aforementioned	aforementioned	ADJ
fsr-3428	52	3	credit	credit	NOUN
fsr-3428	52	4	cards	card	NOUN
fsr-3428	52	5	are	be	AUX
fsr-3428	52	6	both	both	PRON
fsr-3428	52	7	of	of	ADP
fsr-3428	52	8	the	the	DET
fsr-3428	52	9	“	"	PUNCT
fsr-3428	52	10	cash	cash	NOUN
fsr-3428	52	11	-	-	PUNCT
fsr-3428	52	12	back	back	NOUN
fsr-3428	52	13	”	"	PUNCT
fsr-3428	52	14	variant	variant	NOUN
fsr-3428	52	15	.	.	PUNCT
fsr-3428	53	1	while	while	SCONJ
fsr-3428	53	2	such	such	ADJ
fsr-3428	53	3	cards	card	NOUN
fsr-3428	53	4	are	be	AUX
fsr-3428	53	5	certainly	certainly	ADV
fsr-3428	53	6	popular	popular	ADJ
fsr-3428	53	7	,	,	PUNCT
fsr-3428	53	8	many	many	ADJ
fsr-3428	53	9	credit	credit	NOUN
fsr-3428	53	10	card	card	NOUN
fsr-3428	53	11	enthusiasts	enthusiast	NOUN
fsr-3428	53	12	are	be	AUX
fsr-3428	53	13	primarily	primarily	ADV
fsr-3428	53	14	interested	interested	ADJ
fsr-3428	53	15	in	in	ADP
fsr-3428	53	16	travel	travel	NOUN
fsr-3428	53	17	-	-	PUNCT
fsr-3428	53	18	based	base	VERB
fsr-3428	53	19	rewards	reward	NOUN
fsr-3428	53	20	cards	card	NOUN
fsr-3428	53	21	.	.	PUNCT
fsr-3428	54	1	for	for	ADP
fsr-3428	54	2	example	example	NOUN
fsr-3428	54	3	,	,	PUNCT
fsr-3428	54	4	consider	consider	VERB
fsr-3428	54	5	the	the	DET
fsr-3428	54	6	aadvantage	aadvantage	NOUN
fsr-3428	54	7	aviator	aviator	NOUN
fsr-3428	54	8	red	red	ADJ
fsr-3428	54	9	world	world	PROPN
fsr-3428	54	10	elite	elite	PROPN
fsr-3428	54	11	mastercard	mastercard	PROPN
fsr-3428	54	12	,	,	PUNCT
fsr-3428	54	13	which	which	PRON
fsr-3428	54	14	(	(	PUNCT
fsr-3428	54	15	despite	despite	SCONJ
fsr-3428	54	16	its	its	PRON
fsr-3428	54	17	lengthy	lengthy	ADJ
fsr-3428	54	18	title	title	NOUN
fsr-3428	54	19	)	)	PUNCT
fsr-3428	54	20	offers	offer	VERB
fsr-3428	54	21	a	a	DET
fsr-3428	54	22	straightforward	straightforward	ADJ
fsr-3428	54	23	method	method	NOUN
fsr-3428	54	24	for	for	ADP
fsr-3428	54	25	attaining	attain	VERB
fsr-3428	54	26	free	free	ADJ
fsr-3428	54	27	flights	flight	NOUN
fsr-3428	54	28	.	.	PUNCT
fsr-3428	55	1	the	the	DET
fsr-3428	55	2	card	card	NOUN
fsr-3428	55	3	provides	provide	VERB
fsr-3428	55	4	50,000	50,000	NUM
fsr-3428	55	5	in	in	ADP
fsr-3428	55	6	aadvantage	aadvantage	NOUN
fsr-3428	55	7	(	(	PUNCT
fsr-3428	55	8	american	american	PROPN
fsr-3428	55	9	airlines	airline	NOUN
fsr-3428	55	10	)	)	PUNCT
fsr-3428	55	11	miles	mile	NOUN
fsr-3428	55	12	after	after	SCONJ
fsr-3428	55	13	the	the	DET
fsr-3428	55	14	cardholder	cardholder	NOUN
fsr-3428	55	15	pays	pay	VERB
fsr-3428	55	16	the	the	DET
fsr-3428	55	17	$	$	SYM
fsr-3428	55	18	99	99	NUM
fsr-3428	55	19	annual	annual	ADJ
fsr-3428	55	20	fee	fee	NOUN
fsr-3428	55	21	and	and	CCONJ
fsr-3428	55	22	makes	make	VERB
fsr-3428	55	23	at	at	ADV
fsr-3428	55	24	least	least	ADV
fsr-3428	55	25	one	one	NUM
fsr-3428	55	26	purchase	purchase	NOUN
fsr-3428	55	27	,	,	PUNCT
fsr-3428	55	28	which	which	PRON
fsr-3428	55	29	will	will	AUX
fsr-3428	55	30	likely	likely	ADV
fsr-3428	55	31	cover	cover	VERB
fsr-3428	55	32	two	two	NUM
fsr-3428	55	33	or	or	CCONJ
fsr-3428	55	34	more	more	ADJ
fsr-3428	55	35	round	round	ADJ
fsr-3428	55	36	-	-	PUNCT
fsr-3428	55	37	trip	trip	NOUN
fsr-3428	55	38	flights	flight	NOUN
fsr-3428	55	39	anywhere	anywhere	ADV
fsr-3428	55	40	in	in	ADP
fsr-3428	55	41	the	the	DET
fsr-3428	55	42	united	united	PROPN
fsr-3428	55	43	states	states	PROPN
fsr-3428	55	44	(	(	PUNCT
fsr-3428	55	45	barclays	barclay	NOUN
fsr-3428	55	46	,	,	PUNCT
fsr-3428	55	47	2019	2019	NUM
fsr-3428	55	48	)	)	PUNCT
fsr-3428	55	49	.	.	PUNCT
fsr-3428	56	1	in	in	ADP
fsr-3428	56	2	addition	addition	NOUN
fsr-3428	56	3	to	to	ADP
fsr-3428	56	4	this	this	DET
fsr-3428	56	5	msb	msb	PROPN
fsr-3428	56	6	,	,	PUNCT
fsr-3428	56	7	the	the	DET
fsr-3428	56	8	card	card	NOUN
fsr-3428	56	9	also	also	ADV
fsr-3428	56	10	offers	offer	VERB
fsr-3428	56	11	two	two	NUM
fsr-3428	56	12	aadvantage	aadvantage	NOUN
fsr-3428	56	13	miles	mile	NOUN
fsr-3428	56	14	per	per	ADP
fsr-3428	56	15	dollar	dollar	NOUN
fsr-3428	56	16	spent	spend	VERB
fsr-3428	56	17	on	on	ADP
fsr-3428	56	18	american	american	ADJ
fsr-3428	56	19	airline	airline	NOUN
fsr-3428	56	20	purchases	purchase	NOUN
fsr-3428	56	21	and	and	CCONJ
fsr-3428	56	22	one	one	NUM
fsr-3428	56	23	aadvantage	aadvantage	NOUN
fsr-3428	56	24	mile	mile	NOUN
fsr-3428	56	25	per	per	ADP
fsr-3428	56	26	dollar	dollar	NOUN
fsr-3428	56	27	spent	spend	VERB
fsr-3428	56	28	on	on	ADP
fsr-3428	56	29	any	any	DET
fsr-3428	56	30	other	other	ADJ
fsr-3428	56	31	purchases	purchase	NOUN
fsr-3428	56	32	.	.	PUNCT
fsr-3428	57	1	other	other	ADJ
fsr-3428	57	2	cards	card	NOUN
fsr-3428	57	3	,	,	PUNCT
fsr-3428	57	4	such	such	ADJ
fsr-3428	57	5	as	as	ADP
fsr-3428	57	6	the	the	DET
fsr-3428	57	7	chase	chase	NOUN
fsr-3428	57	8	sapphire	sapphire	PROPN
fsr-3428	57	9	reserve	reserve	PROPN
fsr-3428	57	10	(	(	PUNCT
fsr-3428	57	11	csr	csr	NOUN
fsr-3428	57	12	)	)	PUNCT
fsr-3428	57	13	offer	offer	VERB
fsr-3428	57	14	ancillary	ancillary	ADJ
fsr-3428	57	15	benefits	benefit	NOUN
fsr-3428	57	16	like	like	ADP
fsr-3428	57	17	auto	auto	NOUN
fsr-3428	57	18	-	-	PUNCT
fsr-3428	57	19	rental	rental	NOUN
fsr-3428	57	20	insurance	insurance	NOUN
fsr-3428	57	21	,	,	PUNCT
fsr-3428	57	22	trip	trip	NOUN
fsr-3428	57	23	cancelation	cancelation	NOUN
fsr-3428	57	24	insurance	insurance	NOUN
fsr-3428	57	25	for	for	ADP
fsr-3428	57	26	travel	travel	NOUN
fsr-3428	57	27	,	,	PUNCT
fsr-3428	57	28	and	and	CCONJ
fsr-3428	57	29	zero	zero	NUM
fsr-3428	57	30	fees	fee	NOUN
fsr-3428	57	31	when	when	SCONJ
fsr-3428	57	32	used	use	VERB
fsr-3428	57	33	abroad	abroad	ADV
fsr-3428	57	34	,	,	PUNCT
fsr-3428	57	35	in	in	ADP
fsr-3428	57	36	addition	addition	NOUN
fsr-3428	57	37	to	to	ADP
fsr-3428	57	38	a	a	DET
fsr-3428	57	39	lucrative	lucrative	ADJ
fsr-3428	57	40	msb	msb	NOUN
fsr-3428	57	41	and	and	CCONJ
fsr-3428	57	42	“	"	PUNCT
fsr-3428	57	43	points	point	NOUN
fsr-3428	57	44	-	-	PUNCT
fsr-3428	57	45	back	back	NOUN
fsr-3428	57	46	”	"	PUNCT
fsr-3428	57	47	on	on	ADP
fsr-3428	57	48	all	all	DET
fsr-3428	57	49	purchases	purchase	NOUN
fsr-3428	57	50	(	(	PUNCT
fsr-3428	57	51	chase	chase	NOUN
fsr-3428	57	52	,	,	PUNCT
fsr-3428	57	53	2020).3	2020).3	NUM
fsr-3428	57	54	these	these	DET
fsr-3428	57	55	points	point	NOUN
fsr-3428	57	56	can	can	AUX
fsr-3428	57	57	be	be	AUX
fsr-3428	57	58	converted	convert	VERB
fsr-3428	57	59	to	to	ADP
fsr-3428	57	60	cash	cash	NOUN
fsr-3428	57	61	,	,	PUNCT
fsr-3428	57	62	but	but	CCONJ
fsr-3428	57	63	typically	typically	ADV
fsr-3428	57	64	have	have	VERB
fsr-3428	57	65	more	more	ADJ
fsr-3428	57	66	value	value	NOUN
fsr-3428	57	67	when	when	SCONJ
fsr-3428	57	68	redeemed	redeem	VERB
fsr-3428	57	69	for	for	ADP
fsr-3428	57	70	travel	travel	NOUN
fsr-3428	57	71	.	.	PUNCT
fsr-3428	58	1	while	while	SCONJ
fsr-3428	58	2	travel	travel	NOUN
fsr-3428	58	3	cards	card	NOUN
fsr-3428	58	4	are	be	AUX
fsr-3428	58	5	an	an	DET
fsr-3428	58	6	important	important	ADJ
fsr-3428	58	7	fixture	fixture	NOUN
fsr-3428	58	8	of	of	ADP
fsr-3428	58	9	the	the	DET
fsr-3428	58	10	credit	credit	NOUN
fsr-3428	58	11	card	card	NOUN
fsr-3428	58	12	industry	industry	NOUN
fsr-3428	58	13	,	,	PUNCT
fsr-3428	58	14	the	the	DET
fsr-3428	58	15	value	value	NOUN
fsr-3428	58	16	of	of	ADP
fsr-3428	58	17	the	the	DET
fsr-3428	58	18	points	point	NOUN
fsr-3428	58	19	and	and	CCONJ
fsr-3428	58	20	perks	perk	NOUN
fsr-3428	58	21	offered	offer	VERB
fsr-3428	58	22	by	by	ADP
fsr-3428	58	23	these	these	DET
fsr-3428	58	24	travel	travel	NOUN
fsr-3428	58	25	cards	card	NOUN
fsr-3428	58	26	is	be	AUX
fsr-3428	58	27	difficult	difficult	ADJ
fsr-3428	58	28	to	to	PART
fsr-3428	58	29	quantify	quantify	VERB
fsr-3428	58	30	in	in	ADP
fsr-3428	58	31	dollar	dollar	NOUN
fsr-3428	58	32	terms.4	terms.4	PROPN
fsr-3428	58	33	travel	travel	VERB
fsr-3428	58	34	rewards	reward	NOUN
fsr-3428	58	35	cards	card	NOUN
fsr-3428	58	36	are	be	AUX
fsr-3428	58	37	certainly	certainly	ADV
fsr-3428	58	38	popular	popular	ADJ
fsr-3428	58	39	,	,	PUNCT
fsr-3428	58	40	but	but	CCONJ
fsr-3428	58	41	cash	cash	NOUN
fsr-3428	58	42	-	-	PUNCT
fsr-3428	58	43	back	back	NOUN
fsr-3428	58	44	credit	credit	NOUN
fsr-3428	58	45	cards	card	NOUN
fsr-3428	58	46	still	still	ADV
fsr-3428	58	47	hold	hold	VERB
fsr-3428	58	48	the	the	DET
fsr-3428	58	49	greater	great	ADJ
fsr-3428	58	50	share	share	NOUN
fsr-3428	58	51	of	of	ADP
fsr-3428	58	52	the	the	DET
fsr-3428	58	53	rewards	reward	NOUN
fsr-3428	58	54	card	card	NOUN
fsr-3428	58	55	market	market	NOUN
fsr-3428	58	56	.	.	PUNCT
fsr-3428	59	1	about	about	ADV
fsr-3428	59	2	80	80	NUM
fsr-3428	59	3	%	%	NOUN
fsr-3428	59	4	of	of	ADP
fsr-3428	59	5	consumers	consumer	NOUN
fsr-3428	59	6	primarily	primarily	ADV
fsr-3428	59	7	use	use	VERB
fsr-3428	59	8	a	a	DET
fsr-3428	59	9	credit	credit	NOUN
fsr-3428	59	10	card	card	NOUN
fsr-3428	59	11	that	that	PRON
fsr-3428	59	12	provides	provide	VERB
fsr-3428	59	13	cash	cash	NOUN
fsr-3428	59	14	-	-	PUNCT
fsr-3428	59	15	back	back	NOUN
fsr-3428	59	16	redemptions	redemption	NOUN
fsr-3428	59	17	,	,	PUNCT
fsr-3428	59	18	while	while	SCONJ
fsr-3428	59	19	only	only	ADV
fsr-3428	59	20	33	33	NUM
fsr-3428	59	21	%	%	NOUN
fsr-3428	59	22	primarily	primarily	ADV
fsr-3428	59	23	use	use	VERB
fsr-3428	59	24	a	a	DET
fsr-3428	59	25	card	card	NOUN
fsr-3428	59	26	that	that	PRON
fsr-3428	59	27	allows	allow	VERB
fsr-3428	59	28	for	for	ADP
fsr-3428	59	29	travel	travel	NOUN
fsr-3428	59	30	rewards	reward	NOUN
fsr-3428	59	31	(	(	PUNCT
fsr-3428	59	32	tsys	tsys	NOUN
fsr-3428	59	33	,	,	PUNCT
fsr-3428	59	34	2018	2018	NUM
fsr-3428	59	35	,	,	PUNCT
fsr-3428	59	36	p.	p.	NOUN
fsr-3428	59	37	24).5	24).5	NUM
fsr-3428	60	1	given	give	VERB
fsr-3428	60	2	the	the	DET
fsr-3428	60	3	prominence	prominence	NOUN
fsr-3428	60	4	and	and	CCONJ
fsr-3428	60	5	comparatively	comparatively	ADV
fsr-3428	60	6	straightforward	straightforward	ADJ
fsr-3428	60	7	nature	nature	NOUN
fsr-3428	60	8	of	of	ADP
fsr-3428	60	9	cashback	cashback	NOUN
fsr-3428	60	10	credit	credit	NOUN
fsr-3428	60	11	cards	card	NOUN
fsr-3428	60	12	,	,	PUNCT
fsr-3428	60	13	our	our	PRON
fsr-3428	60	14	forthcoming	forthcoming	ADJ
fsr-3428	60	15	analysis	analysis	NOUN
fsr-3428	60	16	focuses	focus	VERB
fsr-3428	60	17	solely	solely	ADV
fsr-3428	60	18	on	on	ADP
fsr-3428	60	19	cash	cash	NOUN
fsr-3428	60	20	-	-	PUNCT
fsr-3428	60	21	back	back	NOUN
fsr-3428	60	22	rewards	reward	NOUN
fsr-3428	60	23	cards	card	NOUN
fsr-3428	60	24	.	.	PUNCT
fsr-3428	61	1	3	3	X
fsr-3428	61	2	.	.	X
fsr-3428	61	3	credit	credit	NOUN
fsr-3428	61	4	cards	card	NOUN
fsr-3428	61	5	and	and	CCONJ
fsr-3428	61	6	personal	personal	ADJ
fsr-3428	61	7	financial	financial	ADJ
fsr-3428	61	8	planning	planning	NOUN
fsr-3428	61	9	it	it	PRON
fsr-3428	61	10	would	would	AUX
fsr-3428	61	11	be	be	AUX
fsr-3428	61	12	unfair	unfair	ADJ
fsr-3428	61	13	to	to	PART
fsr-3428	61	14	discuss	discuss	VERB
fsr-3428	61	15	the	the	DET
fsr-3428	61	16	potential	potential	ADJ
fsr-3428	61	17	value	value	NOUN
fsr-3428	61	18	to	to	PART
fsr-3428	61	19	be	be	AUX
fsr-3428	61	20	gained	gain	VERB
fsr-3428	61	21	from	from	ADP
fsr-3428	61	22	cash	cash	NOUN
fsr-3428	61	23	-	-	PUNCT
fsr-3428	61	24	back	back	NOUN
fsr-3428	61	25	credit	credit	NOUN
fsr-3428	61	26	cards	card	NOUN
fsr-3428	61	27	without	without	ADP
fsr-3428	61	28	first	first	ADV
fsr-3428	61	29	discussing	discuss	VERB
fsr-3428	61	30	a	a	DET
fsr-3428	61	31	significant	significant	ADJ
fsr-3428	61	32	challenge	challenge	NOUN
fsr-3428	61	33	that	that	SCONJ
fsr-3428	61	34	millions	million	NOUN
fsr-3428	61	35	of	of	ADP
fsr-3428	61	36	credit	credit	NOUN
fsr-3428	61	37	card	card	NOUN
fsr-3428	61	38	users	user	NOUN
fsr-3428	61	39	face	face	VERB
fsr-3428	61	40	—	—	PUNCT
fsr-3428	61	41	debt	debt	NOUN
fsr-3428	61	42	.	.	PUNCT
fsr-3428	62	1	the	the	DET
fsr-3428	62	2	connection	connection	NOUN
fsr-3428	62	3	between	between	ADP
fsr-3428	62	4	credit	credit	NOUN
fsr-3428	62	5	card	card	NOUN
fsr-3428	62	6	use	use	NOUN
fsr-3428	62	7	and	and	CCONJ
fsr-3428	62	8	debt	debt	NOUN
fsr-3428	62	9	may	may	AUX
fsr-3428	62	10	seem	seem	VERB
fsr-3428	62	11	obvious	obvious	ADJ
fsr-3428	62	12	;	;	PUNCT
fsr-3428	62	13	credit	credit	NOUN
fsr-3428	62	14	cards	card	NOUN
fsr-3428	62	15	give	give	VERB
fsr-3428	62	16	n.	n.	PROPN
fsr-3428	62	17	macdonald	macdonald	PROPN
fsr-3428	62	18	,	,	PUNCT
fsr-3428	62	19	b.	b.	PROPN
fsr-3428	62	20	evans	evans	PROPN
fsr-3428	62	21	/	/	SYM
fsr-3428	62	22	financial	financial	ADJ
fsr-3428	62	23	services	service	NOUN
fsr-3428	62	24	review	review	VERB
fsr-3428	62	25	28	28	NUM
fsr-3428	62	26	(	(	PUNCT
fsr-3428	62	27	2020	2020	NUM
fsr-3428	62	28	)	)	PUNCT
fsr-3428	63	1	223–242	223–242	NUM
fsr-3428	63	2	225	225	NUM
fsr-3428	63	3	consumers	consumer	NOUN
fsr-3428	63	4	,	,	PUNCT
fsr-3428	63	5	who	who	PRON
fsr-3428	63	6	may	may	AUX
fsr-3428	63	7	desire	desire	VERB
fsr-3428	63	8	to	to	PART
fsr-3428	63	9	spend	spend	VERB
fsr-3428	63	10	more	more	ADJ
fsr-3428	63	11	than	than	SCONJ
fsr-3428	63	12	they	they	PRON
fsr-3428	63	13	earn	earn	VERB
fsr-3428	63	14	,	,	PUNCT
fsr-3428	63	15	an	an	DET
fsr-3428	63	16	easy	easy	ADJ
fsr-3428	63	17	and	and	CCONJ
fsr-3428	63	18	practical	practical	ADJ
fsr-3428	63	19	way	way	NOUN
fsr-3428	63	20	to	to	PART
fsr-3428	63	21	borrow	borrow	VERB
fsr-3428	63	22	money	money	NOUN
fsr-3428	63	23	.	.	PUNCT
fsr-3428	64	1	however	however	ADV
fsr-3428	64	2	,	,	PUNCT
fsr-3428	64	3	it	it	PRON
fsr-3428	64	4	appears	appear	VERB
fsr-3428	64	5	that	that	SCONJ
fsr-3428	64	6	this	this	DET
fsr-3428	64	7	connection	connection	NOUN
fsr-3428	64	8	is	be	AUX
fsr-3428	64	9	actually	actually	ADV
fsr-3428	64	10	quite	quite	ADV
fsr-3428	64	11	complex	complex	ADJ
fsr-3428	64	12	.	.	PUNCT
fsr-3428	65	1	research	research	NOUN
fsr-3428	65	2	suggests	suggest	VERB
fsr-3428	65	3	that	that	SCONJ
fsr-3428	65	4	credit	credit	NOUN
fsr-3428	65	5	card	card	NOUN
fsr-3428	65	6	usage	usage	NOUN
fsr-3428	65	7	tends	tend	VERB
fsr-3428	65	8	to	to	PART
fsr-3428	65	9	increase	increase	VERB
fsr-3428	65	10	consumer	consumer	NOUN
fsr-3428	65	11	spending	spending	NOUN
fsr-3428	65	12	,	,	PUNCT
fsr-3428	65	13	even	even	ADV
fsr-3428	65	14	for	for	ADP
fsr-3428	65	15	those	those	PRON
fsr-3428	65	16	that	that	PRON
fsr-3428	65	17	do	do	AUX
fsr-3428	65	18	not	not	PART
fsr-3428	65	19	use	use	VERB
fsr-3428	65	20	credit	credit	NOUN
fsr-3428	65	21	cards	card	NOUN
fsr-3428	65	22	as	as	ADP
fsr-3428	65	23	an	an	DET
fsr-3428	65	24	avenue	avenue	NOUN
fsr-3428	65	25	for	for	ADP
fsr-3428	65	26	borrowing	borrowing	NOUN
fsr-3428	65	27	.	.	PUNCT
fsr-3428	66	1	in	in	ADP
fsr-3428	66	2	other	other	ADJ
fsr-3428	66	3	words	word	NOUN
fsr-3428	66	4	,	,	PUNCT
fsr-3428	66	5	credit	credit	NOUN
fsr-3428	66	6	cards	card	NOUN
fsr-3428	66	7	are	be	AUX
fsr-3428	66	8	not	not	PART
fsr-3428	66	9	borrowing	borrow	VERB
fsr-3428	66	10	vehicles	vehicle	NOUN
fsr-3428	66	11	for	for	ADP
fsr-3428	66	12	many	many	ADJ
fsr-3428	66	13	consumers	consumer	NOUN
fsr-3428	66	14	,	,	PUNCT
fsr-3428	66	15	but	but	CCONJ
fsr-3428	66	16	still	still	ADV
fsr-3428	66	17	lead	lead	VERB
fsr-3428	66	18	consumers	consumer	NOUN
fsr-3428	66	19	to	to	PART
fsr-3428	66	20	increase	increase	VERB
fsr-3428	66	21	their	their	PRON
fsr-3428	66	22	household	household	NOUN
fsr-3428	66	23	consumption	consumption	NOUN
fsr-3428	66	24	.	.	PUNCT
fsr-3428	67	1	there	there	PRON
fsr-3428	67	2	are	be	VERB
fsr-3428	67	3	many	many	ADJ
fsr-3428	67	4	potential	potential	ADJ
fsr-3428	67	5	reasons	reason	NOUN
fsr-3428	67	6	for	for	ADP
fsr-3428	67	7	this	this	DET
fsr-3428	67	8	effect	effect	NOUN
fsr-3428	67	9	.	.	PUNCT
fsr-3428	68	1	for	for	ADP
fsr-3428	68	2	example	example	NOUN
fsr-3428	68	3	,	,	PUNCT
fsr-3428	68	4	soman	soman	NOUN
fsr-3428	68	5	(	(	PUNCT
fsr-3428	68	6	2003	2003	NUM
fsr-3428	68	7	)	)	PUNCT
fsr-3428	68	8	finds	find	VERB
fsr-3428	68	9	that	that	SCONJ
fsr-3428	68	10	consumers	consumer	NOUN
fsr-3428	68	11	using	use	VERB
fsr-3428	68	12	credit	credit	NOUN
fsr-3428	68	13	cards	card	NOUN
fsr-3428	68	14	are	be	AUX
fsr-3428	68	15	more	more	ADV
fsr-3428	68	16	likely	likely	ADJ
fsr-3428	68	17	to	to	PART
fsr-3428	68	18	purchase	purchase	VERB
fsr-3428	68	19	frivolous	frivolous	ADJ
fsr-3428	68	20	or	or	CCONJ
fsr-3428	68	21	“	"	PUNCT
fsr-3428	68	22	unnecessary	unnecessary	ADJ
fsr-3428	68	23	”	"	PUNCT
fsr-3428	68	24	items	item	NOUN
fsr-3428	68	25	than	than	ADP
fsr-3428	68	26	consumers	consumer	NOUN
fsr-3428	68	27	using	use	VERB
fsr-3428	68	28	cash	cash	NOUN
fsr-3428	68	29	.	.	PUNCT
fsr-3428	69	1	soll	soll	PROPN
fsr-3428	69	2	,	,	PUNCT
fsr-3428	69	3	keeney	keeney	PROPN
fsr-3428	69	4	,	,	PUNCT
fsr-3428	69	5	and	and	CCONJ
fsr-3428	69	6	larrick	larrick	NOUN
fsr-3428	69	7	(	(	PUNCT
fsr-3428	69	8	2013	2013	NUM
fsr-3428	69	9	)	)	PUNCT
fsr-3428	69	10	suggest	suggest	VERB
fsr-3428	69	11	that	that	SCONJ
fsr-3428	69	12	credit	credit	NOUN
fsr-3428	69	13	card	card	NOUN
fsr-3428	69	14	transactions	transaction	NOUN
fsr-3428	69	15	tend	tend	VERB
fsr-3428	69	16	to	to	PART
fsr-3428	69	17	be	be	AUX
fsr-3428	69	18	less	less	ADV
fsr-3428	69	19	memorable	memorable	ADJ
fsr-3428	69	20	to	to	ADP
fsr-3428	69	21	consumers	consumer	NOUN
fsr-3428	69	22	,	,	PUNCT
fsr-3428	69	23	leading	lead	VERB
fsr-3428	69	24	consumers	consumer	NOUN
fsr-3428	69	25	to	to	PART
fsr-3428	69	26	increase	increase	VERB
fsr-3428	69	27	spending	spending	NOUN
fsr-3428	69	28	.	.	PUNCT
fsr-3428	70	1	no	no	DET
fsr-3428	70	2	one	one	NOUN
fsr-3428	70	3	can	can	AUX
fsr-3428	70	4	be	be	AUX
fsr-3428	70	5	certain	certain	ADJ
fsr-3428	70	6	why	why	SCONJ
fsr-3428	70	7	credit	credit	NOUN
fsr-3428	70	8	card	card	NOUN
fsr-3428	70	9	usage	usage	NOUN
fsr-3428	70	10	tends	tend	VERB
fsr-3428	70	11	to	to	PART
fsr-3428	70	12	spur	spur	VERB
fsr-3428	70	13	consumer	consumer	NOUN
fsr-3428	70	14	spending	spending	NOUN
fsr-3428	70	15	,	,	PUNCT
fsr-3428	70	16	but	but	CCONJ
fsr-3428	70	17	it	it	PRON
fsr-3428	70	18	does	do	AUX
fsr-3428	70	19	appear	appear	VERB
fsr-3428	70	20	that	that	SCONJ
fsr-3428	70	21	there	there	PRON
fsr-3428	70	22	is	be	VERB
fsr-3428	70	23	a	a	DET
fsr-3428	70	24	strong	strong	ADJ
fsr-3428	70	25	behavioral	behavioral	ADJ
fsr-3428	70	26	component	component	NOUN
fsr-3428	70	27	.	.	PUNCT
fsr-3428	71	1	for	for	ADP
fsr-3428	71	2	example	example	NOUN
fsr-3428	71	3	,	,	PUNCT
fsr-3428	71	4	chatterjee	chatterjee	PROPN
fsr-3428	71	5	and	and	CCONJ
fsr-3428	71	6	rose	rise	VERB
fsr-3428	71	7	(	(	PUNCT
fsr-3428	71	8	2012	2012	NUM
fsr-3428	71	9	)	)	PUNCT
fsr-3428	71	10	find	find	VERB
fsr-3428	71	11	that	that	SCONJ
fsr-3428	71	12	consumers	consumer	NOUN
fsr-3428	71	13	using	use	VERB
fsr-3428	71	14	credit	credit	NOUN
fsr-3428	71	15	cards	card	NOUN
fsr-3428	71	16	seem	seem	VERB
fsr-3428	71	17	to	to	PART
fsr-3428	71	18	focus	focus	VERB
fsr-3428	71	19	more	more	ADV
fsr-3428	71	20	on	on	ADP
fsr-3428	71	21	the	the	DET
fsr-3428	71	22	benefit	benefit	NOUN
fsr-3428	71	23	(	(	PUNCT
fsr-3428	71	24	and	and	CCONJ
fsr-3428	71	25	less	less	ADJ
fsr-3428	71	26	on	on	ADP
fsr-3428	71	27	the	the	DET
fsr-3428	71	28	cost	cost	NOUN
fsr-3428	71	29	)	)	PUNCT
fsr-3428	71	30	of	of	ADP
fsr-3428	71	31	a	a	DET
fsr-3428	71	32	purchased	purchase	VERB
fsr-3428	71	33	item	item	NOUN
fsr-3428	71	34	,	,	PUNCT
fsr-3428	71	35	relative	relative	ADJ
fsr-3428	71	36	to	to	ADP
fsr-3428	71	37	consumers	consumer	NOUN
fsr-3428	71	38	using	use	VERB
fsr-3428	71	39	cash	cash	NOUN
fsr-3428	71	40	.	.	PUNCT
fsr-3428	72	1	thus	thus	ADV
fsr-3428	72	2	,	,	PUNCT
fsr-3428	72	3	it	it	PRON
fsr-3428	72	4	is	be	AUX
fsr-3428	72	5	not	not	PART
fsr-3428	72	6	a	a	DET
fsr-3428	72	7	surprise	surprise	NOUN
fsr-3428	72	8	that	that	SCONJ
fsr-3428	72	9	consumers	consumer	NOUN
fsr-3428	72	10	will	will	AUX
fsr-3428	72	11	spend	spend	VERB
fsr-3428	72	12	far	far	ADV
fsr-3428	72	13	more	more	ADV
fsr-3428	72	14	when	when	SCONJ
fsr-3428	72	15	paying	pay	VERB
fsr-3428	72	16	with	with	ADP
fsr-3428	72	17	a	a	DET
fsr-3428	72	18	credit	credit	NOUN
fsr-3428	72	19	card	card	NOUN
fsr-3428	72	20	.	.	PUNCT
fsr-3428	73	1	perhaps	perhaps	ADV
fsr-3428	73	2	the	the	DET
fsr-3428	73	3	most	most	ADV
fsr-3428	73	4	notorious	notorious	ADJ
fsr-3428	73	5	example	example	NOUN
fsr-3428	73	6	of	of	ADP
fsr-3428	73	7	this	this	DET
fsr-3428	73	8	spending	spending	NOUN
fsr-3428	73	9	bump	bump	NOUN
fsr-3428	73	10	is	be	AUX
fsr-3428	73	11	reported	report	VERB
fsr-3428	73	12	in	in	ADP
fsr-3428	73	13	prelec	prelec	NOUN
fsr-3428	73	14	and	and	CCONJ
fsr-3428	73	15	simester	simester	NOUN
fsr-3428	73	16	(	(	PUNCT
fsr-3428	73	17	2001	2001	NUM
fsr-3428	73	18	)	)	PUNCT
fsr-3428	73	19	,	,	PUNCT
fsr-3428	73	20	who	who	PRON
fsr-3428	73	21	show	show	VERB
fsr-3428	73	22	that	that	SCONJ
fsr-3428	73	23	consumers	consumer	NOUN
fsr-3428	73	24	roughly	roughly	ADV
fsr-3428	73	25	double	double	DET
fsr-3428	73	26	their	their	PRON
fsr-3428	73	27	willingness	willingness	NOUN
fsr-3428	73	28	to	to	PART
fsr-3428	73	29	pay	pay	VERB
fsr-3428	73	30	for	for	ADP
fsr-3428	73	31	highly	highly	ADV
fsr-3428	73	32	sought	seek	VERB
fsr-3428	73	33	-	-	PUNCT
fsr-3428	73	34	after	after	ADP
fsr-3428	73	35	sporting	sport	VERB
fsr-3428	73	36	event	event	NOUN
fsr-3428	73	37	tickets	ticket	NOUN
fsr-3428	73	38	when	when	SCONJ
fsr-3428	73	39	credit	credit	NOUN
fsr-3428	73	40	cards	card	NOUN
fsr-3428	73	41	are	be	AUX
fsr-3428	73	42	the	the	DET
fsr-3428	73	43	only	only	ADJ
fsr-3428	73	44	accepted	accept	VERB
fsr-3428	73	45	payment	payment	NOUN
fsr-3428	73	46	option	option	NOUN
fsr-3428	73	47	.	.	PUNCT
fsr-3428	74	1	given	give	VERB
fsr-3428	74	2	that	that	PRON
fsr-3428	74	3	credit	credit	NOUN
fsr-3428	74	4	cards	card	NOUN
fsr-3428	74	5	tend	tend	VERB
fsr-3428	74	6	to	to	PART
fsr-3428	74	7	increase	increase	VERB
fsr-3428	74	8	consumer	consumer	NOUN
fsr-3428	74	9	spending	spending	NOUN
fsr-3428	74	10	,	,	PUNCT
fsr-3428	74	11	it	it	PRON
fsr-3428	74	12	is	be	AUX
fsr-3428	74	13	not	not	PART
fsr-3428	74	14	surprising	surprising	ADJ
fsr-3428	74	15	that	that	SCONJ
fsr-3428	74	16	some	some	DET
fsr-3428	74	17	consumers	consumer	NOUN
fsr-3428	74	18	find	find	VERB
fsr-3428	74	19	themselves	themselves	PRON
fsr-3428	74	20	,	,	PUNCT
fsr-3428	74	21	unexpectedly	unexpectedly	ADV
fsr-3428	74	22	,	,	PUNCT
fsr-3428	74	23	in	in	ADP
fsr-3428	74	24	substantial	substantial	ADJ
fsr-3428	74	25	debt	debt	NOUN
fsr-3428	74	26	.	.	PUNCT
fsr-3428	75	1	wilcox	wilcox	PROPN
fsr-3428	75	2	,	,	PUNCT
fsr-3428	75	3	block	block	NOUN
fsr-3428	75	4	,	,	PUNCT
fsr-3428	75	5	and	and	CCONJ
fsr-3428	75	6	eisenstein	eisenstein	PROPN
fsr-3428	75	7	(	(	PUNCT
fsr-3428	75	8	2011	2011	NUM
fsr-3428	75	9	)	)	PUNCT
fsr-3428	75	10	find	find	VERB
fsr-3428	75	11	that	that	SCONJ
fsr-3428	75	12	consumers	consumer	NOUN
fsr-3428	75	13	with	with	ADP
fsr-3428	75	14	typically	typically	ADV
fsr-3428	75	15	high	high	ADJ
fsr-3428	75	16	self	self	NOUN
fsr-3428	75	17	-	-	PUNCT
fsr-3428	75	18	control	control	NOUN
fsr-3428	75	19	actually	actually	ADV
fsr-3428	75	20	increase	increase	VERB
fsr-3428	75	21	spending	spend	VERB
fsr-3428	75	22	if	if	SCONJ
fsr-3428	75	23	they	they	PRON
fsr-3428	75	24	“	"	PUNCT
fsr-3428	75	25	carry	carry	VERB
fsr-3428	75	26	a	a	DET
fsr-3428	75	27	balance	balance	NOUN
fsr-3428	75	28	”	"	PUNCT
fsr-3428	75	29	on	on	ADP
fsr-3428	75	30	their	their	PRON
fsr-3428	75	31	credit	credit	NOUN
fsr-3428	75	32	card	card	NOUN
fsr-3428	75	33	.	.	PUNCT
fsr-3428	76	1	the	the	DET
fsr-3428	76	2	authors	author	NOUN
fsr-3428	76	3	liken	liken	VERB
fsr-3428	76	4	this	this	DET
fsr-3428	76	5	effect	effect	NOUN
fsr-3428	76	6	to	to	ADP
fsr-3428	76	7	a	a	DET
fsr-3428	76	8	smoker	smoker	NOUN
fsr-3428	76	9	that	that	PRON
fsr-3428	76	10	is	be	AUX
fsr-3428	76	11	trying	try	VERB
fsr-3428	76	12	to	to	PART
fsr-3428	76	13	quit	quit	VERB
fsr-3428	76	14	;	;	PUNCT
fsr-3428	76	15	once	once	ADV
fsr-3428	76	16	a	a	DET
fsr-3428	76	17	smoker	smoker	NOUN
fsr-3428	76	18	falls	fall	VERB
fsr-3428	76	19	off	off	ADP
fsr-3428	76	20	the	the	DET
fsr-3428	76	21	wagon	wagon	NOUN
fsr-3428	76	22	and	and	CCONJ
fsr-3428	76	23	has	have	VERB
fsr-3428	76	24	one	one	NUM
fsr-3428	76	25	cigarette	cigarette	NOUN
fsr-3428	76	26	,	,	PUNCT
fsr-3428	76	27	the	the	DET
fsr-3428	76	28	smoker	smoker	NOUN
fsr-3428	76	29	will	will	AUX
fsr-3428	76	30	likely	likely	ADV
fsr-3428	76	31	feel	feel	VERB
fsr-3428	76	32	that	that	SCONJ
fsr-3428	76	33	she	she	PRON
fsr-3428	76	34	has	have	AUX
fsr-3428	76	35	failed	fail	VERB
fsr-3428	76	36	to	to	PART
fsr-3428	76	37	maintain	maintain	VERB
fsr-3428	76	38	control	control	NOUN
fsr-3428	76	39	and	and	CCONJ
fsr-3428	76	40	will	will	AUX
fsr-3428	76	41	likely	likely	ADV
fsr-3428	76	42	smoke	smoke	VERB
fsr-3428	76	43	many	many	ADJ
fsr-3428	76	44	cigarettes	cigarette	NOUN
fsr-3428	76	45	after	after	ADP
fsr-3428	76	46	breaking	break	VERB
fsr-3428	76	47	through	through	ADP
fsr-3428	76	48	the	the	DET
fsr-3428	76	49	self	self	NOUN
fsr-3428	76	50	-	-	PUNCT
fsr-3428	76	51	control	control	NOUN
fsr-3428	76	52	threshold	threshold	NOUN
fsr-3428	76	53	.	.	PUNCT
fsr-3428	77	1	such	such	DET
fsr-3428	77	2	an	an	DET
fsr-3428	77	3	effect	effect	NOUN
fsr-3428	77	4	—	—	PUNCT
fsr-3428	77	5	individuals	individual	NOUN
fsr-3428	77	6	abandoning	abandon	VERB
fsr-3428	77	7	a	a	DET
fsr-3428	77	8	goal	goal	NOUN
fsr-3428	77	9	after	after	ADP
fsr-3428	77	10	failure	failure	NOUN
fsr-3428	77	11	—	—	PUNCT
fsr-3428	77	12	has	have	AUX
fsr-3428	77	13	been	be	AUX
fsr-3428	77	14	well	well	ADV
fsr-3428	77	15	-	-	PUNCT
fsr-3428	77	16	documented	document	VERB
fsr-3428	77	17	in	in	ADP
fsr-3428	77	18	psychology	psychology	NOUN
fsr-3428	77	19	research	research	NOUN
fsr-3428	77	20	(	(	PUNCT
fsr-3428	77	21	e.g.	e.g.	ADV
fsr-3428	77	22	,	,	PUNCT
fsr-3428	77	23	cochran	cochran	NOUN
fsr-3428	77	24	and	and	CCONJ
fsr-3428	77	25	tesser	tesser	NOUN
fsr-3428	77	26	,	,	PUNCT
fsr-3428	77	27	1996	1996	NUM
fsr-3428	77	28	)	)	PUNCT
fsr-3428	77	29	.	.	PUNCT
fsr-3428	78	1	research	research	NOUN
fsr-3428	78	2	shows	show	VERB
fsr-3428	78	3	that	that	SCONJ
fsr-3428	78	4	the	the	DET
fsr-3428	78	5	connection	connection	NOUN
fsr-3428	78	6	between	between	ADP
fsr-3428	78	7	credit	credit	NOUN
fsr-3428	78	8	card	card	NOUN
fsr-3428	78	9	usage	usage	NOUN
fsr-3428	78	10	and	and	CCONJ
fsr-3428	78	11	debt	debt	NOUN
fsr-3428	78	12	appears	appear	VERB
fsr-3428	78	13	to	to	PART
fsr-3428	78	14	be	be	AUX
fsr-3428	78	15	a	a	DET
fsr-3428	78	16	function	function	NOUN
fsr-3428	78	17	of	of	ADP
fsr-3428	78	18	age	age	NOUN
fsr-3428	78	19	and	and	CCONJ
fsr-3428	78	20	education	education	NOUN
fsr-3428	78	21	ability	ability	NOUN
fsr-3428	78	22	(	(	PUNCT
fsr-3428	78	23	lopes	lope	NOUN
fsr-3428	78	24	,	,	PUNCT
fsr-3428	78	25	2008	2008	NUM
fsr-3428	78	26	)	)	PUNCT
fsr-3428	78	27	,	,	PUNCT
fsr-3428	78	28	which	which	PRON
fsr-3428	78	29	further	far	ADV
fsr-3428	78	30	illustrates	illustrate	VERB
fsr-3428	78	31	the	the	DET
fsr-3428	78	32	complexity	complexity	NOUN
fsr-3428	78	33	of	of	ADP
fsr-3428	78	34	credit	credit	NOUN
fsr-3428	78	35	cards	card	NOUN
fsr-3428	78	36	as	as	ADP
fsr-3428	78	37	a	a	DET
fsr-3428	78	38	viable	viable	ADJ
fsr-3428	78	39	option	option	NOUN
fsr-3428	78	40	for	for	ADP
fsr-3428	78	41	consumers	consumer	NOUN
fsr-3428	78	42	seeking	seek	VERB
fsr-3428	78	43	to	to	PART
fsr-3428	78	44	plan	plan	VERB
fsr-3428	78	45	for	for	ADP
fsr-3428	78	46	retirement	retirement	NOUN
fsr-3428	78	47	.	.	PUNCT
fsr-3428	79	1	for	for	ADP
fsr-3428	79	2	the	the	DET
fsr-3428	79	3	united	united	PROPN
fsr-3428	79	4	states	states	PROPN
fsr-3428	79	5	as	as	ADP
fsr-3428	79	6	a	a	DET
fsr-3428	79	7	whole	whole	NOUN
fsr-3428	79	8	,	,	PUNCT
fsr-3428	79	9	revolving	revolving	ADJ
fsr-3428	79	10	credit	credit	NOUN
fsr-3428	79	11	card	card	NOUN
fsr-3428	79	12	debt	debt	NOUN
fsr-3428	79	13	reached	reach	VERB
fsr-3428	79	14	$	$	SYM
fsr-3428	79	15	444	444	NUM
fsr-3428	79	16	billion	billion	NUM
fsr-3428	79	17	in	in	ADP
fsr-3428	79	18	2019	2019	NUM
fsr-3428	79	19	,	,	PUNCT
fsr-3428	79	20	indicating	indicate	VERB
fsr-3428	79	21	that	that	SCONJ
fsr-3428	79	22	an	an	DET
fsr-3428	79	23	average	average	ADJ
fsr-3428	79	24	u.s	u.s	PROPN
fsr-3428	79	25	.	.	PROPN
fsr-3428	79	26	household	household	NOUN
fsr-3428	79	27	carries	carry	VERB
fsr-3428	79	28	$	$	SYM
fsr-3428	79	29	3,453	3,453	NUM
fsr-3428	79	30	in	in	ADP
fsr-3428	79	31	such	such	ADJ
fsr-3428	79	32	debt	debt	NOUN
fsr-3428	79	33	(	(	PUNCT
fsr-3428	79	34	isa	isa	NOUN
fsr-3428	79	35	,	,	PUNCT
fsr-3428	79	36	2019	2019	NUM
fsr-3428	79	37	;	;	PUNCT
fsr-3428	79	38	u.s	u.s	PROPN
fsr-3428	79	39	.	.	PROPN
fsr-3428	79	40	census	census	PROPN
fsr-3428	79	41	bureau	bureau	PROPN
fsr-3428	79	42	,	,	PUNCT
fsr-3428	79	43	total	total	ADJ
fsr-3428	79	44	households	household	NOUN
fsr-3428	79	45	,	,	PUNCT
fsr-3428	79	46	2020	2020	NUM
fsr-3428	79	47	)	)	PUNCT
fsr-3428	79	48	.	.	PUNCT
fsr-3428	80	1	that	that	PRON
fsr-3428	80	2	being	be	AUX
fsr-3428	80	3	said	say	VERB
fsr-3428	80	4	,	,	PUNCT
fsr-3428	80	5	it	it	PRON
fsr-3428	80	6	is	be	AUX
fsr-3428	80	7	important	important	ADJ
fsr-3428	80	8	to	to	PART
fsr-3428	80	9	emphasize	emphasize	VERB
fsr-3428	80	10	that	that	PRON
fsr-3428	80	11	credit	credit	NOUN
fsr-3428	80	12	card	card	NOUN
fsr-3428	80	13	indebtedness	indebtedness	NOUN
fsr-3428	80	14	is	be	AUX
fsr-3428	80	15	a	a	DET
fsr-3428	80	16	condition	condition	NOUN
fsr-3428	80	17	that	that	PRON
fsr-3428	80	18	affects	affect	VERB
fsr-3428	80	19	the	the	DET
fsr-3428	80	20	minority	minority	NOUN
fsr-3428	80	21	of	of	ADP
fsr-3428	80	22	credit	credit	NOUN
fsr-3428	80	23	card	card	NOUN
fsr-3428	80	24	users	user	NOUN
fsr-3428	80	25	.	.	PUNCT
fsr-3428	81	1	surveys	survey	NOUN
fsr-3428	81	2	conducted	conduct	VERB
fsr-3428	81	3	by	by	ADP
fsr-3428	81	4	the	the	DET
fsr-3428	81	5	federal	federal	PROPN
fsr-3428	81	6	reserve	reserve	PROPN
fsr-3428	81	7	in	in	ADP
fsr-3428	81	8	five	five	NUM
fsr-3428	81	9	periods	period	NOUN
fsr-3428	81	10	between	between	ADP
fsr-3428	81	11	2004	2004	NUM
fsr-3428	81	12	and	and	CCONJ
fsr-3428	81	13	2016	2016	NUM
fsr-3428	81	14	show	show	VERB
fsr-3428	81	15	that	that	SCONJ
fsr-3428	81	16	56.2	56.2	NUM
fsr-3428	81	17	%	%	NOUN
fsr-3428	81	18	to	to	ADP
fsr-3428	81	19	64.0	64.0	NUM
fsr-3428	81	20	%	%	NOUN
fsr-3428	81	21	of	of	ADP
fsr-3428	81	22	credit	credit	NOUN
fsr-3428	81	23	card	card	NOUN
fsr-3428	81	24	users	user	NOUN
fsr-3428	81	25	do	do	AUX
fsr-3428	81	26	not	not	PART
fsr-3428	81	27	“	"	PUNCT
fsr-3428	81	28	carry	carry	VERB
fsr-3428	81	29	a	a	DET
fsr-3428	81	30	balance	balance	NOUN
fsr-3428	81	31	”	"	PUNCT
fsr-3428	81	32	(	(	PUNCT
fsr-3428	81	33	bricker	bricker	NOUN
fsr-3428	81	34	et	et	NOUN
fsr-3428	81	35	al	al	PROPN
fsr-3428	81	36	.	.	PROPN
fsr-3428	81	37	,	,	PUNCT
fsr-3428	81	38	2017	2017	NUM
fsr-3428	81	39	)	)	PUNCT
fsr-3428	81	40	.	.	PUNCT
fsr-3428	82	1	thus	thus	ADV
fsr-3428	82	2	,	,	PUNCT
fsr-3428	82	3	for	for	ADP
fsr-3428	82	4	most	most	ADJ
fsr-3428	82	5	users	user	NOUN
fsr-3428	82	6	,	,	PUNCT
fsr-3428	82	7	credit	credit	NOUN
fsr-3428	82	8	cards	card	NOUN
fsr-3428	82	9	are	be	AUX
fsr-3428	82	10	used	use	VERB
fsr-3428	82	11	for	for	ADP
fsr-3428	82	12	the	the	DET
fsr-3428	82	13	convenience	convenience	NOUN
fsr-3428	82	14	they	they	PRON
fsr-3428	82	15	provide	provide	VERB
fsr-3428	82	16	or	or	CCONJ
fsr-3428	82	17	perhaps	perhaps	ADV
fsr-3428	82	18	for	for	ADP
fsr-3428	82	19	some	some	DET
fsr-3428	82	20	other	other	ADJ
fsr-3428	82	21	reason	reason	NOUN
fsr-3428	82	22	,	,	PUNCT
fsr-3428	82	23	such	such	ADJ
fsr-3428	82	24	as	as	ADP
fsr-3428	82	25	to	to	PART
fsr-3428	82	26	seek	seek	VERB
fsr-3428	82	27	credit	credit	NOUN
fsr-3428	82	28	card	card	NOUN
fsr-3428	82	29	rewards	reward	NOUN
fsr-3428	82	30	.	.	PUNCT
fsr-3428	83	1	nonetheless	nonetheless	ADV
fsr-3428	83	2	,	,	PUNCT
fsr-3428	83	3	given	give	VERB
fsr-3428	83	4	that	that	SCONJ
fsr-3428	83	5	consumers	consumer	NOUN
fsr-3428	83	6	label	label	VERB
fsr-3428	83	7	rewards	reward	VERB
fsr-3428	83	8	as	as	ADP
fsr-3428	83	9	the	the	DET
fsr-3428	83	10	most	most	ADV
fsr-3428	83	11	important	important	ADJ
fsr-3428	83	12	feature	feature	NOUN
fsr-3428	83	13	when	when	SCONJ
fsr-3428	83	14	choosing	choose	VERB
fsr-3428	83	15	a	a	DET
fsr-3428	83	16	credit	credit	NOUN
fsr-3428	83	17	card	card	NOUN
fsr-3428	83	18	(	(	PUNCT
fsr-3428	83	19	tsys	tsys	NOUN
fsr-3428	83	20	,	,	PUNCT
fsr-3428	83	21	2018	2018	NUM
fsr-3428	83	22	,	,	PUNCT
fsr-3428	83	23	p.	p.	NOUN
fsr-3428	83	24	23	23	NUM
fsr-3428	83	25	)	)	PUNCT
fsr-3428	83	26	,	,	PUNCT
fsr-3428	83	27	there	there	PRON
fsr-3428	83	28	is	be	VERB
fsr-3428	83	29	an	an	DET
fsr-3428	83	30	inherent	inherent	ADJ
fsr-3428	83	31	indirect	indirect	ADJ
fsr-3428	83	32	connection	connection	NOUN
fsr-3428	83	33	between	between	ADP
fsr-3428	83	34	credit	credit	NOUN
fsr-3428	83	35	card	card	NOUN
fsr-3428	83	36	debt	debt	NOUN
fsr-3428	83	37	and	and	CCONJ
fsr-3428	83	38	rewards	reward	NOUN
fsr-3428	83	39	that	that	PRON
fsr-3428	83	40	has	have	VERB
fsr-3428	83	41	yet	yet	ADV
fsr-3428	83	42	to	to	PART
fsr-3428	83	43	be	be	AUX
fsr-3428	83	44	formally	formally	ADV
fsr-3428	83	45	studied	study	VERB
fsr-3428	83	46	,	,	PUNCT
fsr-3428	83	47	theoretically	theoretically	ADV
fsr-3428	83	48	or	or	CCONJ
fsr-3428	83	49	empirically	empirically	ADV
fsr-3428	83	50	.	.	PUNCT
fsr-3428	84	1	in	in	ADP
fsr-3428	84	2	the	the	DET
fsr-3428	84	3	personal	personal	ADJ
fsr-3428	84	4	finance	finance	NOUN
fsr-3428	84	5	space	space	NOUN
fsr-3428	84	6	,	,	PUNCT
fsr-3428	84	7	credit	credit	NOUN
fsr-3428	84	8	card	card	NOUN
fsr-3428	84	9	usage	usage	NOUN
fsr-3428	84	10	is	be	AUX
fsr-3428	84	11	a	a	DET
fsr-3428	84	12	highly	highly	ADV
fsr-3428	84	13	debated	debate	VERB
fsr-3428	84	14	topic	topic	NOUN
fsr-3428	84	15	.	.	PUNCT
fsr-3428	85	1	one	one	NUM
fsr-3428	85	2	of	of	ADP
fsr-3428	85	3	the	the	DET
fsr-3428	85	4	leading	lead	VERB
fsr-3428	85	5	personal	personal	ADJ
fsr-3428	85	6	finance	finance	NOUN
fsr-3428	85	7	gurus	gurus	NOUN
fsr-3428	85	8	,	,	PUNCT
fsr-3428	85	9	dave	dave	PROPN
fsr-3428	85	10	ramsey	ramsey	PROPN
fsr-3428	85	11	,	,	PUNCT
fsr-3428	85	12	urges	urge	VERB
fsr-3428	85	13	consumers	consumer	NOUN
fsr-3428	85	14	to	to	PART
fsr-3428	85	15	completely	completely	ADV
fsr-3428	85	16	avoid	avoid	VERB
fsr-3428	85	17	credit	credit	NOUN
fsr-3428	85	18	cards	card	NOUN
fsr-3428	85	19	.	.	PUNCT
fsr-3428	86	1	ramsey	ramsey	PROPN
fsr-3428	86	2	cites	cite	VERB
fsr-3428	86	3	aforementioned	aforementioned	ADJ
fsr-3428	86	4	research	research	NOUN
fsr-3428	86	5	that	that	PRON
fsr-3428	86	6	suggests	suggest	VERB
fsr-3428	86	7	that	that	SCONJ
fsr-3428	86	8	credit	credit	NOUN
fsr-3428	86	9	card	card	NOUN
fsr-3428	86	10	users	user	NOUN
fsr-3428	86	11	spend	spend	VERB
fsr-3428	86	12	more	more	ADJ
fsr-3428	86	13	money	money	NOUN
fsr-3428	86	14	than	than	ADP
fsr-3428	86	15	those	those	PRON
fsr-3428	86	16	utilizing	utilize	VERB
fsr-3428	86	17	cash	cash	NOUN
fsr-3428	86	18	.	.	PUNCT
fsr-3428	87	1	he	he	PRON
fsr-3428	87	2	argues	argue	VERB
fsr-3428	87	3	that	that	SCONJ
fsr-3428	87	4	credit	credit	NOUN
fsr-3428	87	5	card	card	NOUN
fsr-3428	87	6	use	use	NOUN
fsr-3428	87	7	will	will	AUX
fsr-3428	87	8	cause	cause	VERB
fsr-3428	87	9	consumers	consumer	NOUN
fsr-3428	87	10	to	to	PART
fsr-3428	87	11	unintentionally	unintentionally	ADV
fsr-3428	87	12	go	go	VERB
fsr-3428	87	13	into	into	ADP
fsr-3428	87	14	debt	debt	NOUN
fsr-3428	87	15	.	.	PUNCT
fsr-3428	88	1	perhaps	perhaps	ADV
fsr-3428	88	2	,	,	PUNCT
fsr-3428	88	3	this	this	DET
fsr-3428	88	4	fear	fear	NOUN
fsr-3428	88	5	of	of	ADP
fsr-3428	88	6	debt	debt	NOUN
fsr-3428	88	7	explains	explain	VERB
fsr-3428	88	8	why	why	SCONJ
fsr-3428	88	9	many	many	ADJ
fsr-3428	88	10	consumers	consumer	NOUN
fsr-3428	88	11	choose	choose	VERB
fsr-3428	88	12	to	to	PART
fsr-3428	88	13	use	use	VERB
fsr-3428	88	14	226	226	NUM
fsr-3428	88	15	n.	n.	PROPN
fsr-3428	88	16	macdonald	macdonald	PROPN
fsr-3428	88	17	,	,	PUNCT
fsr-3428	88	18	b.	b.	PROPN
fsr-3428	88	19	evans	evans	PROPN
fsr-3428	88	20	/	/	SYM
fsr-3428	88	21	financial	financial	ADJ
fsr-3428	88	22	services	service	NOUN
fsr-3428	88	23	review	review	VERB
fsr-3428	88	24	28	28	NUM
fsr-3428	88	25	(	(	PUNCT
fsr-3428	88	26	2020	2020	NUM
fsr-3428	88	27	)	)	PUNCT
fsr-3428	88	28	223–242	223–242	NUM
fsr-3428	88	29	debit	debit	NOUN
fsr-3428	88	30	cards	card	NOUN
fsr-3428	88	31	as	as	ADP
fsr-3428	88	32	their	their	PRON
fsr-3428	88	33	primary	primary	ADJ
fsr-3428	88	34	payment	payment	NOUN
fsr-3428	88	35	method	method	NOUN
fsr-3428	88	36	(	(	PUNCT
fsr-3428	88	37	king	king	NOUN
fsr-3428	88	38	&	&	CCONJ
fsr-3428	88	39	king	king	PROPN
fsr-3428	88	40	,	,	PUNCT
fsr-3428	88	41	2005	2005	NUM
fsr-3428	88	42	,	,	PUNCT
fsr-3428	88	43	2011	2011	NUM
fsr-3428	88	44	)	)	PUNCT
fsr-3428	88	45	.	.	PUNCT
fsr-3428	89	1	not	not	PART
fsr-3428	89	2	surprisingly	surprisingly	ADV
fsr-3428	89	3	,	,	PUNCT
fsr-3428	89	4	ramsey	ramsey	PROPN
fsr-3428	89	5	does	do	AUX
fsr-3428	89	6	not	not	PART
fsr-3428	89	7	believe	believe	VERB
fsr-3428	89	8	that	that	SCONJ
fsr-3428	89	9	cash	cash	NOUN
fsr-3428	89	10	-	-	PUNCT
fsr-3428	89	11	back	back	NOUN
fsr-3428	89	12	credit	credit	NOUN
fsr-3428	89	13	cards	card	NOUN
fsr-3428	89	14	are	be	AUX
fsr-3428	89	15	as	as	ADV
fsr-3428	89	16	lucrative	lucrative	ADJ
fsr-3428	89	17	as	as	SCONJ
fsr-3428	89	18	they	they	PRON
fsr-3428	89	19	initially	initially	ADV
fsr-3428	89	20	appear	appear	VERB
fsr-3428	89	21	.	.	PUNCT
fsr-3428	90	1	he	he	PRON
fsr-3428	90	2	writes	write	VERB
fsr-3428	90	3	:	:	PUNCT
fsr-3428	90	4	the	the	DET
fsr-3428	90	5	concept	concept	NOUN
fsr-3428	90	6	is	be	AUX
fsr-3428	90	7	two	two	NUM
fsr-3428	90	8	things	thing	NOUN
fsr-3428	90	9	.	.	PUNCT
fsr-3428	91	1	one	one	NUM
fsr-3428	91	2	is	be	AUX
fsr-3428	91	3	—	—	PUNCT
fsr-3428	91	4	and	and	CCONJ
fsr-3428	91	5	i	i	PRON
fsr-3428	91	6	’ve	’ve	AUX
fsr-3428	91	7	got	get	VERB
fsr-3428	91	8	a	a	DET
fsr-3428	91	9	friend	friend	NOUN
fsr-3428	91	10	who	who	PRON
fsr-3428	91	11	makes	make	VERB
fsr-3428	91	12	a	a	DET
fsr-3428	91	13	lot	lot	NOUN
fsr-3428	91	14	of	of	ADP
fsr-3428	91	15	money	money	NOUN
fsr-3428	91	16	,	,	PUNCT
fsr-3428	91	17	and	and	CCONJ
fsr-3428	91	18	he	he	PRON
fsr-3428	91	19	uses	use	VERB
fsr-3428	91	20	his	his	PRON
fsr-3428	91	21	amex	amex	NOUN
fsr-3428	91	22	for	for	ADP
fsr-3428	91	23	everything	everything	PRON
fsr-3428	91	24	and	and	CCONJ
fsr-3428	91	25	gets	get	VERB
fsr-3428	91	26	the	the	DET
fsr-3428	91	27	cash	cash	NOUN
fsr-3428	91	28	back	back	ADV
fsr-3428	91	29	and	and	CCONJ
fsr-3428	91	30	gets	get	VERB
fsr-3428	91	31	the	the	DET
fsr-3428	91	32	travel	travel	NOUN
fsr-3428	91	33	points	point	NOUN
fsr-3428	91	34	and	and	CCONJ
fsr-3428	91	35	all	all	DET
fsr-3428	91	36	that	that	DET
fsr-3428	91	37	stuff	stuff	NOUN
fsr-3428	91	38	—	—	PUNCT
fsr-3428	91	39	but	but	CCONJ
fsr-3428	91	40	i	i	PRON
fsr-3428	91	41	even	even	ADV
fsr-3428	91	42	watch	watch	VERB
fsr-3428	91	43	this	this	DET
fsr-3428	91	44	guy	guy	NOUN
fsr-3428	91	45	who	who	PRON
fsr-3428	91	46	’s	’	VERB
fsr-3428	91	47	very	very	ADV
fsr-3428	91	48	educated	educated	ADJ
fsr-3428	91	49	and	and	CCONJ
fsr-3428	91	50	pretty	pretty	ADV
fsr-3428	91	51	sophisticated	sophisticated	ADJ
fsr-3428	91	52	in	in	ADP
fsr-3428	91	53	the	the	DET
fsr-3428	91	54	handling	handling	NOUN
fsr-3428	91	55	of	of	ADP
fsr-3428	91	56	his	his	PRON
fsr-3428	91	57	money	money	NOUN
fsr-3428	91	58	,	,	PUNCT
fsr-3428	91	59	and	and	CCONJ
fsr-3428	91	60	i	i	PRON
fsr-3428	91	61	watch	watch	VERB
fsr-3428	91	62	him	he	PRON
fsr-3428	91	63	purchase	purchase	VERB
fsr-3428	91	64	things	thing	NOUN
fsr-3428	91	65	for	for	ADP
fsr-3428	91	66	$	$	SYM
fsr-3428	91	67	100	100	NUM
fsr-3428	91	68	to	to	PART
fsr-3428	91	69	get	get	VERB
fsr-3428	91	70	the	the	DET
fsr-3428	91	71	$	$	SYM
fsr-3428	91	72	3	3	NUM
fsr-3428	91	73	kickback	kickback	NOUN
fsr-3428	91	74	.	.	PUNCT
fsr-3428	92	1	i	i	PRON
fsr-3428	92	2	always	always	ADV
fsr-3428	92	3	kind	kind	ADV
fsr-3428	92	4	of	of	ADV
fsr-3428	92	5	cock	cock	VERB
fsr-3428	92	6	my	my	PRON
fsr-3428	92	7	head	head	NOUN
fsr-3428	92	8	sideways	sideways	ADV
fsr-3428	92	9	and	and	CCONJ
fsr-3428	92	10	go	go	VERB
fsr-3428	92	11	,	,	PUNCT
fsr-3428	92	12	“	"	PUNCT
fsr-3428	92	13	you	you	PRON
fsr-3428	92	14	just	just	ADV
fsr-3428	92	15	did	do	VERB
fsr-3428	92	16	that	that	PRON
fsr-3428	92	17	.	.	PUNCT
fsr-3428	92	18	”	"	PUNCT
fsr-3428	93	1	the	the	DET
fsr-3428	93	2	motivation	motivation	NOUN
fsr-3428	93	3	on	on	ADP
fsr-3428	93	4	the	the	DET
fsr-3428	93	5	$	$	SYM
fsr-3428	93	6	100	100	NUM
fsr-3428	93	7	spend	spend	NOUN
fsr-3428	93	8	was	be	AUX
fsr-3428	93	9	the	the	DET
fsr-3428	93	10	$	$	SYM
fsr-3428	93	11	3	3	NUM
fsr-3428	93	12	kick	kick	NOUN
fsr-3428	93	13	.	.	PUNCT
fsr-3428	94	1	that	that	PRON
fsr-3428	94	2	’s	’	VERB
fsr-3428	94	3	just	just	ADV
fsr-3428	94	4	wrong	wrong	ADJ
fsr-3428	94	5	,	,	PUNCT
fsr-3428	94	6	you	you	PRON
fsr-3428	94	7	know	know	VERB
fsr-3428	94	8	?	?	PUNCT
fsr-3428	95	1	what	what	PRON
fsr-3428	95	2	that	that	PRON
fsr-3428	95	3	tells	tell	VERB
fsr-3428	95	4	us	we	PRON
fsr-3428	95	5	is	be	AUX
fsr-3428	95	6	it	it	PRON
fsr-3428	95	7	’s	’s	ADV
fsr-3428	95	8	motivating	motivate	VERB
fsr-3428	95	9	people	people	NOUN
fsr-3428	95	10	to	to	PART
fsr-3428	95	11	do	do	VERB
fsr-3428	95	12	things	thing	NOUN
fsr-3428	95	13	that	that	PRON
fsr-3428	95	14	they	they	PRON
fsr-3428	95	15	would	would	AUX
fsr-3428	95	16	n’t	not	PART
fsr-3428	95	17	normally	normally	ADV
fsr-3428	95	18	do	do	VERB
fsr-3428	95	19	because	because	SCONJ
fsr-3428	95	20	somewhere	somewhere	ADV
fsr-3428	95	21	in	in	ADP
fsr-3428	95	22	the	the	DET
fsr-3428	95	23	back	back	NOUN
fsr-3428	95	24	of	of	ADP
fsr-3428	95	25	their	their	PRON
fsr-3428	95	26	head	head	NOUN
fsr-3428	95	27	,	,	PUNCT
fsr-3428	95	28	they	they	PRON
fsr-3428	95	29	feel	feel	VERB
fsr-3428	95	30	like	like	SCONJ
fsr-3428	95	31	they	they	PRON
fsr-3428	95	32	’re	’re	AUX
fsr-3428	95	33	getting	get	VERB
fsr-3428	95	34	rich	rich	ADJ
fsr-3428	95	35	off	off	ADP
fsr-3428	95	36	this	this	DET
fsr-3428	95	37	3	3	NUM
fsr-3428	95	38	%	%	NOUN
fsr-3428	95	39	kickback	kickback	NOUN
fsr-3428	95	40	.	.	PUNCT
fsr-3428	96	1	(	(	PUNCT
fsr-3428	96	2	ramsey	ramsey	NOUN
fsr-3428	96	3	,	,	PUNCT
fsr-3428	96	4	2019	2019	NUM
fsr-3428	96	5	)	)	PUNCT
fsr-3428	96	6	in	in	ADP
fsr-3428	96	7	ramsey	ramsey	PROPN
fsr-3428	96	8	’s	’s	PART
fsr-3428	96	9	view	view	NOUN
fsr-3428	96	10	,	,	PUNCT
fsr-3428	96	11	the	the	DET
fsr-3428	96	12	benefits	benefit	NOUN
fsr-3428	96	13	of	of	ADP
fsr-3428	96	14	a	a	DET
fsr-3428	96	15	cash	cash	NOUN
fsr-3428	96	16	-	-	PUNCT
fsr-3428	96	17	back	back	NOUN
fsr-3428	96	18	card	card	NOUN
fsr-3428	96	19	are	be	AUX
fsr-3428	96	20	miniscule	miniscule	ADJ
fsr-3428	96	21	compared	compare	VERB
fsr-3428	96	22	with	with	ADP
fsr-3428	96	23	the	the	DET
fsr-3428	96	24	potential	potential	ADJ
fsr-3428	96	25	costs	cost	NOUN
fsr-3428	96	26	of	of	ADP
fsr-3428	96	27	credit	credit	NOUN
fsr-3428	96	28	card	card	NOUN
fsr-3428	96	29	debt	debt	NOUN
fsr-3428	96	30	.	.	PUNCT
fsr-3428	97	1	given	give	VERB
fsr-3428	97	2	the	the	DET
fsr-3428	97	3	tremendous	tremendous	ADJ
fsr-3428	97	4	size	size	NOUN
fsr-3428	97	5	of	of	ADP
fsr-3428	97	6	dave	dave	PROPN
fsr-3428	97	7	ramsey	ramsey	PROPN
fsr-3428	97	8	’s	’s	PART
fsr-3428	97	9	audience	audience	NOUN
fsr-3428	97	10	—	—	PUNCT
fsr-3428	97	11	he	he	PRON
fsr-3428	97	12	has	have	AUX
fsr-3428	97	13	sold	sell	VERB
fsr-3428	97	14	over	over	ADP
fsr-3428	97	15	11	11	NUM
fsr-3428	97	16	million	million	NUM
fsr-3428	97	17	book	book	NOUN
fsr-3428	97	18	copies	copy	NOUN
fsr-3428	97	19	and	and	CCONJ
fsr-3428	97	20	hosts	host	NOUN
fsr-3428	97	21	a	a	DET
fsr-3428	97	22	nationally	nationally	ADV
fsr-3428	97	23	syndicated	syndicate	VERB
fsr-3428	97	24	radio	radio	NOUN
fsr-3428	97	25	show	show	NOUN
fsr-3428	97	26	—	—	PUNCT
fsr-3428	97	27	it	it	PRON
fsr-3428	97	28	is	be	AUX
fsr-3428	97	29	not	not	PART
fsr-3428	97	30	surprising	surprising	ADJ
fsr-3428	97	31	that	that	SCONJ
fsr-3428	97	32	his	his	PRON
fsr-3428	97	33	position	position	NOUN
fsr-3428	97	34	on	on	ADP
fsr-3428	97	35	credit	credit	NOUN
fsr-3428	97	36	cards	card	NOUN
fsr-3428	97	37	is	be	AUX
fsr-3428	97	38	the	the	DET
fsr-3428	97	39	source	source	NOUN
fsr-3428	97	40	of	of	ADP
fsr-3428	97	41	substantial	substantial	ADJ
fsr-3428	97	42	scrutiny	scrutiny	NOUN
fsr-3428	97	43	.	.	PUNCT
fsr-3428	98	1	responses	response	NOUN
fsr-3428	98	2	from	from	ADP
fsr-3428	98	3	the	the	DET
fsr-3428	98	4	credit	credit	NOUN
fsr-3428	98	5	card	card	NOUN
fsr-3428	98	6	rewards	reward	VERB
fsr-3428	98	7	community	community	NOUN
fsr-3428	98	8	range	range	NOUN
fsr-3428	98	9	from	from	ADP
fsr-3428	98	10	bemusement	bemusement	NOUN
fsr-3428	98	11	to	to	ADP
fsr-3428	98	12	complete	complete	ADJ
fsr-3428	98	13	outrage	outrage	NOUN
fsr-3428	98	14	.	.	PUNCT
fsr-3428	99	1	jt	jt	PROPN
fsr-3428	99	2	genter	genter	PROPN
fsr-3428	99	3	,	,	PUNCT
fsr-3428	99	4	a	a	DET
fsr-3428	99	5	writer	writer	NOUN
fsr-3428	99	6	for	for	ADP
fsr-3428	99	7	the	the	DET
fsr-3428	99	8	thepointsguy.com	thepointsguy.com	X
fsr-3428	99	9	offers	offer	VERB
fsr-3428	99	10	a	a	DET
fsr-3428	99	11	more	more	ADV
fsr-3428	99	12	nuanced	nuanced	ADJ
fsr-3428	99	13	response	response	NOUN
fsr-3428	99	14	:	:	PUNCT
fsr-3428	99	15	dave	dave	PROPN
fsr-3428	99	16	ramsey	ramsey	PROPN
fsr-3428	99	17	’s	’s	PART
fsr-3428	99	18	argument	argument	NOUN
fsr-3428	99	19	not	not	PART
fsr-3428	99	20	to	to	PART
fsr-3428	99	21	use	use	VERB
fsr-3428	99	22	credit	credit	NOUN
fsr-3428	99	23	cards	card	NOUN
fsr-3428	99	24	is	be	AUX
fsr-3428	99	25	both	both	ADV
fsr-3428	99	26	right	right	ADJ
fsr-3428	99	27	and	and	CCONJ
fsr-3428	99	28	wrong	wrong	ADJ
fsr-3428	99	29	.	.	PUNCT
fsr-3428	100	1	he	he	PRON
fsr-3428	100	2	’s	’	VERB
fsr-3428	100	3	right	right	ADJ
fsr-3428	100	4	that	that	SCONJ
fsr-3428	100	5	those	those	PRON
fsr-3428	100	6	that	that	PRON
fsr-3428	100	7	ca	can	AUX
fsr-3428	100	8	n’t	not	PART
fsr-3428	100	9	control	control	VERB
fsr-3428	100	10	their	their	PRON
fsr-3428	100	11	spending	spending	NOUN
fsr-3428	100	12	absolutely	absolutely	ADV
fsr-3428	100	13	should	should	AUX
fsr-3428	100	14	n’t	not	PART
fsr-3428	100	15	get	get	VERB
fsr-3428	100	16	or	or	CCONJ
fsr-3428	100	17	use	use	VERB
fsr-3428	100	18	credit	credit	NOUN
fsr-3428	100	19	cards	card	NOUN
fsr-3428	100	20	.	.	PUNCT
fsr-3428	101	1	however	however	ADV
fsr-3428	101	2	,	,	PUNCT
fsr-3428	101	3	his	his	PRON
fsr-3428	101	4	argument	argument	NOUN
fsr-3428	101	5	is	be	AUX
fsr-3428	101	6	wrong	wrong	ADJ
fsr-3428	101	7	for	for	ADP
fsr-3428	101	8	those	those	PRON
fsr-3428	101	9	who	who	PRON
fsr-3428	101	10	pay	pay	VERB
fsr-3428	101	11	their	their	PRON
fsr-3428	101	12	balance	balance	NOUN
fsr-3428	101	13	in	in	ADP
fsr-3428	101	14	full	full	ADJ
fsr-3428	101	15	and	and	CCONJ
fsr-3428	101	16	utilize	utilize	VERB
fsr-3428	101	17	the	the	DET
fsr-3428	101	18	rewards	reward	NOUN
fsr-3428	101	19	.	.	PUNCT
fsr-3428	102	1	(	(	PUNCT
fsr-3428	102	2	genter	genter	NOUN
fsr-3428	102	3	,	,	PUNCT
fsr-3428	102	4	2018	2018	NUM
fsr-3428	102	5	)	)	PUNCT
fsr-3428	102	6	ultimately	ultimately	ADV
fsr-3428	102	7	,	,	PUNCT
fsr-3428	102	8	there	there	PRON
fsr-3428	102	9	is	be	VERB
fsr-3428	102	10	no	no	DET
fsr-3428	102	11	academic	academic	NOUN
fsr-3428	102	12	that	that	PRON
fsr-3428	102	13	could	could	AUX
fsr-3428	102	14	possibly	possibly	ADV
fsr-3428	102	15	settle	settle	VERB
fsr-3428	102	16	this	this	DET
fsr-3428	102	17	debate	debate	NOUN
fsr-3428	102	18	.	.	PUNCT
fsr-3428	103	1	researchers	researcher	NOUN
fsr-3428	103	2	(	(	PUNCT
fsr-3428	103	3	e.g.	e.g.	ADV
fsr-3428	103	4	,	,	PUNCT
fsr-3428	103	5	soman	soman	NOUN
fsr-3428	103	6	,	,	PUNCT
fsr-3428	103	7	2003	2003	NUM
fsr-3428	103	8	and	and	CCONJ
fsr-3428	103	9	soll	soll	PROPN
fsr-3428	103	10	et	et	PROPN
fsr-3428	103	11	al	al	PROPN
fsr-3428	103	12	.	.	PROPN
fsr-3428	103	13	,	,	PUNCT
fsr-3428	103	14	2013	2013	NUM
fsr-3428	103	15	)	)	PUNCT
fsr-3428	103	16	have	have	AUX
fsr-3428	103	17	found	find	VERB
fsr-3428	103	18	clear	clear	ADJ
fsr-3428	103	19	evidence	evidence	NOUN
fsr-3428	103	20	that	that	SCONJ
fsr-3428	103	21	credit	credit	NOUN
fsr-3428	103	22	card	card	NOUN
fsr-3428	103	23	usage	usage	NOUN
fsr-3428	103	24	is	be	AUX
fsr-3428	103	25	linked	link	VERB
fsr-3428	103	26	with	with	ADP
fsr-3428	103	27	higher	high	ADJ
fsr-3428	103	28	spending	spending	NOUN
fsr-3428	103	29	.	.	PUNCT
fsr-3428	104	1	however	however	ADV
fsr-3428	104	2	,	,	PUNCT
fsr-3428	104	3	it	it	PRON
fsr-3428	104	4	is	be	AUX
fsr-3428	104	5	undeniably	undeniably	ADV
fsr-3428	104	6	true	true	ADJ
fsr-3428	104	7	that	that	SCONJ
fsr-3428	104	8	cash	cash	NOUN
fsr-3428	104	9	back	back	ADP
fsr-3428	104	10	credit	credit	NOUN
fsr-3428	104	11	cards	card	NOUN
fsr-3428	104	12	could	could	AUX
fsr-3428	104	13	serve	serve	VERB
fsr-3428	104	14	to	to	PART
fsr-3428	104	15	reduce	reduce	VERB
fsr-3428	104	16	the	the	DET
fsr-3428	104	17	effective	effective	ADJ
fsr-3428	104	18	cost	cost	NOUN
fsr-3428	104	19	of	of	ADP
fsr-3428	104	20	transactions	transaction	NOUN
fsr-3428	104	21	for	for	ADP
fsr-3428	104	22	a	a	DET
fsr-3428	104	23	responsible	responsible	ADJ
fsr-3428	104	24	user	user	NOUN
fsr-3428	104	25	.	.	PUNCT
fsr-3428	105	1	4	4	NUM
fsr-3428	105	2	.	.	NUM
fsr-3428	105	3	prior	prior	ADJ
fsr-3428	105	4	research	research	NOUN
fsr-3428	105	5	related	relate	VERB
fsr-3428	105	6	to	to	ADP
fsr-3428	105	7	credit	credit	NOUN
fsr-3428	105	8	card	card	NOUN
fsr-3428	105	9	rewards	reward	VERB
fsr-3428	105	10	research	research	NOUN
fsr-3428	105	11	regarding	regard	VERB
fsr-3428	105	12	credit	credit	NOUN
fsr-3428	105	13	card	card	NOUN
fsr-3428	105	14	rewards	reward	NOUN
fsr-3428	105	15	and	and	CCONJ
fsr-3428	105	16	consumer	consumer	NOUN
fsr-3428	105	17	spending	spending	NOUN
fsr-3428	105	18	choices	choice	NOUN
fsr-3428	105	19	is	be	AUX
fsr-3428	105	20	surprisingly	surprisingly	ADV
fsr-3428	105	21	sparse	sparse	ADJ
fsr-3428	105	22	;	;	PUNCT
fsr-3428	105	23	indeed	indeed	ADV
fsr-3428	105	24	,	,	PUNCT
fsr-3428	105	25	the	the	DET
fsr-3428	105	26	lack	lack	NOUN
fsr-3428	105	27	of	of	ADP
fsr-3428	105	28	research	research	NOUN
fsr-3428	105	29	in	in	ADP
fsr-3428	105	30	this	this	DET
fsr-3428	105	31	arena	arena	NOUN
fsr-3428	105	32	was	be	AUX
fsr-3428	105	33	a	a	DET
fsr-3428	105	34	primary	primary	ADJ
fsr-3428	105	35	motivator	motivator	NOUN
fsr-3428	105	36	for	for	ADP
fsr-3428	105	37	the	the	DET
fsr-3428	105	38	current	current	ADJ
fsr-3428	105	39	research	research	NOUN
fsr-3428	105	40	.	.	PUNCT
fsr-3428	106	1	that	that	PRON
fsr-3428	106	2	being	be	AUX
fsr-3428	106	3	said	say	VERB
fsr-3428	106	4	,	,	PUNCT
fsr-3428	106	5	there	there	PRON
fsr-3428	106	6	are	be	VERB
fsr-3428	106	7	some	some	DET
fsr-3428	106	8	tangentially	tangentially	ADV
fsr-3428	106	9	related	relate	VERB
fsr-3428	106	10	manuscripts	manuscript	NOUN
fsr-3428	106	11	that	that	PRON
fsr-3428	106	12	consider	consider	VERB
fsr-3428	106	13	credit	credit	NOUN
fsr-3428	106	14	card	card	NOUN
fsr-3428	106	15	rewards	reward	NOUN
fsr-3428	106	16	and	and	CCONJ
fsr-3428	106	17	their	their	PRON
fsr-3428	106	18	impacts	impact	NOUN
fsr-3428	106	19	.	.	PUNCT
fsr-3428	107	1	perhaps	perhaps	ADV
fsr-3428	107	2	the	the	DET
fsr-3428	107	3	most	most	ADV
fsr-3428	107	4	substantial	substantial	ADJ
fsr-3428	107	5	work	work	NOUN
fsr-3428	107	6	regarding	regard	VERB
fsr-3428	107	7	credit	credit	NOUN
fsr-3428	107	8	card	card	NOUN
fsr-3428	107	9	rewards	reward	VERB
fsr-3428	107	10	is	be	AUX
fsr-3428	107	11	a	a	DET
fsr-3428	107	12	2009	2009	NUM
fsr-3428	107	13	paper	paper	NOUN
fsr-3428	107	14	by	by	ADP
fsr-3428	107	15	fumiko	fumiko	PROPN
fsr-3428	107	16	hayashi	hayashi	PROPN
fsr-3428	107	17	.	.	PUNCT
fsr-3428	108	1	hayashi	hayashi	PROPN
fsr-3428	108	2	considers	consider	VERB
fsr-3428	108	3	macroeconomic	macroeconomic	ADJ
fsr-3428	108	4	and	and	CCONJ
fsr-3428	108	5	long	long	ADV
fsr-3428	108	6	-	-	PUNCT
fsr-3428	108	7	run	run	VERB
fsr-3428	108	8	effects	effect	NOUN
fsr-3428	108	9	of	of	ADP
fsr-3428	108	10	the	the	DET
fsr-3428	108	11	continuing	continue	VERB
fsr-3428	108	12	expansion	expansion	NOUN
fsr-3428	108	13	of	of	ADP
fsr-3428	108	14	credit	credit	NOUN
fsr-3428	108	15	card	card	NOUN
fsr-3428	108	16	rewards	reward	NOUN
fsr-3428	108	17	.	.	PUNCT
fsr-3428	109	1	while	while	SCONJ
fsr-3428	109	2	it	it	PRON
fsr-3428	109	3	is	be	AUX
fsr-3428	109	4	clear	clear	ADJ
fsr-3428	109	5	that	that	SCONJ
fsr-3428	109	6	consumers	consumer	NOUN
fsr-3428	109	7	can	can	AUX
fsr-3428	109	8	potentially	potentially	ADV
fsr-3428	109	9	benefit	benefit	VERB
fsr-3428	109	10	from	from	ADP
fsr-3428	109	11	seeking	seek	VERB
fsr-3428	109	12	credit	credit	NOUN
fsr-3428	109	13	card	card	NOUN
fsr-3428	109	14	rewards	reward	NOUN
fsr-3428	109	15	,	,	PUNCT
fsr-3428	109	16	hayashi	hayashi	PROPN
fsr-3428	109	17	projects	project	VERB
fsr-3428	109	18	that	that	SCONJ
fsr-3428	109	19	the	the	DET
fsr-3428	109	20	benefits	benefit	NOUN
fsr-3428	109	21	to	to	ADP
fsr-3428	109	22	a	a	DET
fsr-3428	109	23	consumer	consumer	NOUN
fsr-3428	109	24	will	will	AUX
fsr-3428	109	25	dissipate	dissipate	VERB
fsr-3428	109	26	over	over	ADP
fsr-3428	109	27	time	time	NOUN
fsr-3428	109	28	.	.	PUNCT
fsr-3428	110	1	her	her	PRON
fsr-3428	110	2	position	position	NOUN
fsr-3428	110	3	is	be	AUX
fsr-3428	110	4	based	base	VERB
fsr-3428	110	5	on	on	ADP
fsr-3428	110	6	the	the	DET
fsr-3428	110	7	various	various	ADJ
fsr-3428	110	8	fees	fee	NOUN
fsr-3428	110	9	that	that	PRON
fsr-3428	110	10	are	be	AUX
fsr-3428	110	11	imposed	impose	VERB
fsr-3428	110	12	on	on	ADP
fsr-3428	110	13	merchants	merchant	NOUN
fsr-3428	110	14	that	that	PRON
fsr-3428	110	15	accept	accept	VERB
fsr-3428	110	16	credit	credit	NOUN
fsr-3428	110	17	card	card	NOUN
fsr-3428	110	18	payments.6	payments.6	PROPN
fsr-3428	110	19	while	while	SCONJ
fsr-3428	110	20	all	all	DET
fsr-3428	110	21	credit	credit	NOUN
fsr-3428	110	22	and	and	CCONJ
fsr-3428	110	23	debit	debit	NOUN
fsr-3428	110	24	card	card	NOUN
fsr-3428	110	25	transactions	transaction	NOUN
fsr-3428	110	26	reduce	reduce	VERB
fsr-3428	110	27	the	the	DET
fsr-3428	110	28	effective	effective	ADJ
fsr-3428	110	29	price	price	NOUN
fsr-3428	110	30	received	receive	VERB
fsr-3428	110	31	by	by	ADP
fsr-3428	110	32	a	a	DET
fsr-3428	110	33	merchant	merchant	NOUN
fsr-3428	110	34	(	(	PUNCT
fsr-3428	110	35	after	after	ADP
fsr-3428	110	36	paying	pay	VERB
fsr-3428	110	37	fees	fee	NOUN
fsr-3428	110	38	)	)	PUNCT
fsr-3428	110	39	,	,	PUNCT
fsr-3428	110	40	rewards	reward	VERB
fsr-3428	110	41	credit	credit	NOUN
fsr-3428	110	42	cards	card	NOUN
fsr-3428	110	43	typically	typically	ADV
fsr-3428	110	44	impose	impose	VERB
fsr-3428	110	45	the	the	DET
fsr-3428	110	46	highest	high	ADJ
fsr-3428	110	47	fees	fee	NOUN
fsr-3428	110	48	.	.	PUNCT
fsr-3428	111	1	for	for	ADP
fsr-3428	111	2	example	example	NOUN
fsr-3428	111	3	,	,	PUNCT
fsr-3428	111	4	interchange	interchange	NOUN
fsr-3428	111	5	fees	fee	NOUN
fsr-3428	111	6	for	for	ADP
fsr-3428	111	7	a	a	DET
fsr-3428	111	8	visa	visa	NOUN
fsr-3428	111	9	signature	signature	NOUN
fsr-3428	111	10	preferred	prefer	VERB
fsr-3428	111	11	rewards	reward	NOUN
fsr-3428	111	12	credit	credit	NOUN
fsr-3428	111	13	card	card	NOUN
fsr-3428	111	14	are	be	AUX
fsr-3428	111	15	approximately	approximately	ADV
fsr-3428	111	16	0.3	0.3	NUM
fsr-3428	111	17	percentage	percentage	NOUN
fsr-3428	111	18	points	point	NOUN
fsr-3428	111	19	higher	high	ADJ
fsr-3428	111	20	than	than	ADP
fsr-3428	111	21	the	the	DET
fsr-3428	111	22	fees	fee	NOUN
fsr-3428	111	23	for	for	ADP
fsr-3428	111	24	traditional	traditional	ADJ
fsr-3428	111	25	visa	visa	NOUN
fsr-3428	111	26	credit	credit	NOUN
fsr-3428	111	27	cards	card	NOUN
fsr-3428	111	28	(	(	PUNCT
fsr-3428	111	29	visa	visa	NOUN
fsr-3428	111	30	,	,	PUNCT
fsr-3428	111	31	2019	2019	NUM
fsr-3428	111	32	)	)	PUNCT
fsr-3428	111	33	.	.	PUNCT
fsr-3428	112	1	thus	thus	ADV
fsr-3428	112	2	,	,	PUNCT
fsr-3428	112	3	businesses	business	NOUN
fsr-3428	112	4	earn	earn	VERB
fsr-3428	112	5	more	more	ADJ
fsr-3428	112	6	revenue	revenue	NOUN
fsr-3428	112	7	,	,	PUNCT
fsr-3428	112	8	net	net	NOUN
fsr-3428	112	9	of	of	ADP
fsr-3428	112	10	credit	credit	NOUN
fsr-3428	112	11	card	card	NOUN
fsr-3428	112	12	fees	fee	NOUN
fsr-3428	112	13	,	,	PUNCT
fsr-3428	112	14	on	on	ADP
fsr-3428	112	15	a	a	DET
fsr-3428	112	16	n.	n.	PROPN
fsr-3428	112	17	macdonald	macdonald	PROPN
fsr-3428	112	18	,	,	PUNCT
fsr-3428	112	19	b.	b.	PROPN
fsr-3428	112	20	evans	evans	PROPN
fsr-3428	112	21	/	/	SYM
fsr-3428	112	22	financial	financial	ADJ
fsr-3428	112	23	services	service	NOUN
fsr-3428	112	24	review	review	VERB
fsr-3428	112	25	28	28	NUM
fsr-3428	112	26	(	(	PUNCT
fsr-3428	112	27	2020	2020	NUM
fsr-3428	112	28	)	)	PUNCT
fsr-3428	113	1	223–242	223–242	NUM
fsr-3428	113	2	227	227	NUM
fsr-3428	113	3	traditional	traditional	ADJ
fsr-3428	113	4	credit	credit	NOUN
fsr-3428	113	5	card	card	NOUN
fsr-3428	113	6	than	than	SCONJ
fsr-3428	113	7	they	they	PRON
fsr-3428	113	8	do	do	VERB
fsr-3428	113	9	when	when	SCONJ
fsr-3428	113	10	processing	process	VERB
fsr-3428	113	11	a	a	DET
fsr-3428	113	12	rewards	reward	NOUN
fsr-3428	113	13	card	card	NOUN
fsr-3428	113	14	.	.	PUNCT
fsr-3428	114	1	hayashi	hayashi	PROPN
fsr-3428	114	2	suggests	suggest	VERB
fsr-3428	114	3	that	that	SCONJ
fsr-3428	114	4	firms	firm	NOUN
fsr-3428	114	5	will	will	AUX
fsr-3428	114	6	be	be	AUX
fsr-3428	114	7	forced	force	VERB
fsr-3428	114	8	to	to	PART
fsr-3428	114	9	raise	raise	VERB
fsr-3428	114	10	prices	price	NOUN
fsr-3428	114	11	to	to	PART
fsr-3428	114	12	account	account	VERB
fsr-3428	114	13	for	for	ADP
fsr-3428	114	14	expanding	expand	VERB
fsr-3428	114	15	merchant	merchant	NOUN
fsr-3428	114	16	fees	fee	NOUN
fsr-3428	114	17	related	relate	VERB
fsr-3428	114	18	to	to	ADP
fsr-3428	114	19	rewards	reward	NOUN
fsr-3428	114	20	cards	card	NOUN
fsr-3428	114	21	,	,	PUNCT
fsr-3428	114	22	eventually	eventually	ADV
fsr-3428	114	23	eroding	erode	VERB
fsr-3428	114	24	the	the	DET
fsr-3428	114	25	effective	effective	ADJ
fsr-3428	114	26	savings	saving	NOUN
fsr-3428	114	27	that	that	PRON
fsr-3428	114	28	consumers	consumer	NOUN
fsr-3428	114	29	enjoy	enjoy	VERB
fsr-3428	114	30	from	from	ADP
fsr-3428	114	31	using	use	VERB
fsr-3428	114	32	said	say	VERB
fsr-3428	114	33	cards	card	NOUN
fsr-3428	114	34	.	.	PUNCT
fsr-3428	115	1	while	while	SCONJ
fsr-3428	115	2	we	we	PRON
fsr-3428	115	3	do	do	AUX
fsr-3428	115	4	not	not	PART
fsr-3428	115	5	claim	claim	VERB
fsr-3428	115	6	to	to	PART
fsr-3428	115	7	refute	refute	VERB
fsr-3428	115	8	hayashi	hayashi	PROPN
fsr-3428	115	9	’s	’s	PART
fsr-3428	115	10	findings	finding	NOUN
fsr-3428	115	11	,	,	PUNCT
fsr-3428	115	12	we	we	PRON
fsr-3428	115	13	show	show	VERB
fsr-3428	115	14	that	that	SCONJ
fsr-3428	115	15	consumers	consumer	NOUN
fsr-3428	115	16	would	would	AUX
fsr-3428	115	17	still	still	ADV
fsr-3428	115	18	receive	receive	VERB
fsr-3428	115	19	benefits	benefit	NOUN
fsr-3428	115	20	from	from	ADP
fsr-3428	115	21	using	use	VERB
fsr-3428	115	22	rewards	reward	NOUN
fsr-3428	115	23	cards	card	NOUN
fsr-3428	115	24	,	,	PUNCT
fsr-3428	115	25	relative	relative	ADJ
fsr-3428	115	26	to	to	ADP
fsr-3428	115	27	cash	cash	NOUN
fsr-3428	115	28	or	or	CCONJ
fsr-3428	115	29	traditional	traditional	ADJ
fsr-3428	115	30	credit	credit	NOUN
fsr-3428	115	31	cards	card	NOUN
fsr-3428	115	32	,	,	PUNCT
fsr-3428	115	33	even	even	ADV
fsr-3428	115	34	if	if	SCONJ
fsr-3428	115	35	her	her	PRON
fsr-3428	115	36	projection	projection	NOUN
fsr-3428	115	37	comes	come	VERB
fsr-3428	115	38	to	to	ADP
fsr-3428	115	39	fruition	fruition	NOUN
fsr-3428	115	40	.	.	PUNCT
fsr-3428	116	1	a	a	DET
fsr-3428	116	2	2010	2010	NUM
fsr-3428	116	3	article	article	NOUN
fsr-3428	116	4	from	from	ADP
fsr-3428	116	5	jalbert	jalbert	PROPN
fsr-3428	116	6	,	,	PUNCT
fsr-3428	116	7	stewart	stewart	PROPN
fsr-3428	116	8	,	,	PUNCT
fsr-3428	116	9	and	and	CCONJ
fsr-3428	116	10	martin	martin	NOUN
fsr-3428	116	11	is	be	AUX
fsr-3428	116	12	also	also	ADV
fsr-3428	116	13	of	of	ADP
fsr-3428	116	14	significant	significant	ADJ
fsr-3428	116	15	interest	interest	NOUN
fsr-3428	116	16	to	to	ADP
fsr-3428	116	17	the	the	DET
fsr-3428	116	18	current	current	ADJ
fsr-3428	116	19	research	research	NOUN
fsr-3428	116	20	.	.	PUNCT
fsr-3428	117	1	the	the	DET
fsr-3428	117	2	authors	author	NOUN
fsr-3428	117	3	consider	consider	VERB
fsr-3428	117	4	the	the	DET
fsr-3428	117	5	benefits	benefit	NOUN
fsr-3428	117	6	of	of	ADP
fsr-3428	117	7	using	use	VERB
fsr-3428	117	8	credit	credit	NOUN
fsr-3428	117	9	cards	card	NOUN
fsr-3428	117	10	relative	relative	ADJ
fsr-3428	117	11	to	to	ADP
fsr-3428	117	12	cash	cash	NOUN
fsr-3428	117	13	,	,	PUNCT
fsr-3428	117	14	and	and	CCONJ
fsr-3428	117	15	attempt	attempt	VERB
fsr-3428	117	16	to	to	PART
fsr-3428	117	17	reconcile	reconcile	VERB
fsr-3428	117	18	the	the	DET
fsr-3428	117	19	choice	choice	NOUN
fsr-3428	117	20	that	that	PRON
fsr-3428	117	21	many	many	ADJ
fsr-3428	117	22	consumers	consumer	NOUN
fsr-3428	117	23	make	make	VERB
fsr-3428	117	24	to	to	PART
fsr-3428	117	25	ignore	ignore	VERB
fsr-3428	117	26	the	the	DET
fsr-3428	117	27	value	value	NOUN
fsr-3428	117	28	from	from	ADP
fsr-3428	117	29	rewards	reward	NOUN
fsr-3428	117	30	cards	card	NOUN
fsr-3428	117	31	and	and	CCONJ
fsr-3428	117	32	retain	retain	VERB
fsr-3428	117	33	their	their	PRON
fsr-3428	117	34	use	use	NOUN
fsr-3428	117	35	of	of	ADP
fsr-3428	117	36	traditional	traditional	ADJ
fsr-3428	117	37	payment	payment	NOUN
fsr-3428	117	38	methods	method	NOUN
fsr-3428	117	39	.	.	PUNCT
fsr-3428	118	1	their	their	PRON
fsr-3428	118	2	analysis	analysis	NOUN
fsr-3428	118	3	focuses	focus	VERB
fsr-3428	118	4	on	on	ADP
fsr-3428	118	5	two	two	NUM
fsr-3428	118	6	specific	specific	ADJ
fsr-3428	118	7	benefits	benefit	NOUN
fsr-3428	118	8	that	that	PRON
fsr-3428	118	9	credit	credit	NOUN
fsr-3428	118	10	cards	card	NOUN
fsr-3428	118	11	provide	provide	VERB
fsr-3428	118	12	.	.	PUNCT
fsr-3428	119	1	first	first	ADV
fsr-3428	119	2	,	,	PUNCT
fsr-3428	119	3	they	they	PRON
fsr-3428	119	4	discuss	discuss	VERB
fsr-3428	119	5	the	the	DET
fsr-3428	119	6	specific	specific	ADJ
fsr-3428	119	7	benefits	benefit	NOUN
fsr-3428	119	8	afforded	afford	VERB
fsr-3428	119	9	by	by	ADP
fsr-3428	119	10	rewards	reward	NOUN
fsr-3428	119	11	credit	credit	NOUN
fsr-3428	119	12	cards	card	NOUN
fsr-3428	119	13	;	;	PUNCT
fsr-3428	119	14	in	in	ADP
fsr-3428	119	15	particular	particular	ADJ
fsr-3428	119	16	,	,	PUNCT
fsr-3428	119	17	they	they	PRON
fsr-3428	119	18	emphasize	emphasize	VERB
fsr-3428	119	19	the	the	DET
fsr-3428	119	20	rewards	reward	NOUN
fsr-3428	119	21	cards	card	NOUN
fsr-3428	119	22	that	that	PRON
fsr-3428	119	23	provide	provide	VERB
fsr-3428	119	24	frequent	frequent	ADJ
fsr-3428	119	25	flyer	flyer	NOUN
fsr-3428	119	26	miles	mile	NOUN
fsr-3428	119	27	.	.	PUNCT
fsr-3428	120	1	second	second	ADV
fsr-3428	120	2	,	,	PUNCT
fsr-3428	120	3	they	they	PRON
fsr-3428	120	4	consider	consider	VERB
fsr-3428	120	5	a	a	DET
fsr-3428	120	6	characteristic	characteristic	NOUN
fsr-3428	120	7	that	that	SCONJ
fsr-3428	120	8	all	all	DET
fsr-3428	120	9	credit	credit	NOUN
fsr-3428	120	10	cards	card	NOUN
fsr-3428	120	11	provide	provide	VERB
fsr-3428	120	12	;	;	PUNCT
fsr-3428	120	13	when	when	SCONJ
fsr-3428	120	14	using	use	VERB
fsr-3428	120	15	a	a	DET
fsr-3428	120	16	credit	credit	NOUN
fsr-3428	120	17	card	card	NOUN
fsr-3428	120	18	,	,	PUNCT
fsr-3428	120	19	consumers	consumer	NOUN
fsr-3428	120	20	can	can	AUX
fsr-3428	120	21	essentially	essentially	ADV
fsr-3428	120	22	borrow	borrow	VERB
fsr-3428	120	23	money	money	NOUN
fsr-3428	120	24	to	to	PART
fsr-3428	120	25	purchase	purchase	VERB
fsr-3428	120	26	an	an	DET
fsr-3428	120	27	item	item	NOUN
fsr-3428	120	28	today	today	NOUN
fsr-3428	120	29	and	and	CCONJ
fsr-3428	120	30	not	not	PART
fsr-3428	120	31	actually	actually	ADV
fsr-3428	120	32	pay	pay	VERB
fsr-3428	120	33	for	for	ADP
fsr-3428	120	34	the	the	DET
fsr-3428	120	35	item	item	NOUN
fsr-3428	120	36	for	for	ADP
fsr-3428	120	37	several	several	ADJ
fsr-3428	120	38	weeks	week	NOUN
fsr-3428	120	39	.	.	PUNCT
fsr-3428	121	1	this	this	DET
fsr-3428	121	2	so	so	ADV
fsr-3428	121	3	called	call	VERB
fsr-3428	121	4	“	"	PUNCT
fsr-3428	121	5	payment	payment	NOUN
fsr-3428	121	6	float	float	NOUN
fsr-3428	121	7	”	"	PUNCT
fsr-3428	121	8	allows	allow	VERB
fsr-3428	121	9	consumers	consumer	NOUN
fsr-3428	121	10	to	to	PART
fsr-3428	121	11	borrow	borrow	VERB
fsr-3428	121	12	funds	fund	NOUN
fsr-3428	121	13	at	at	ADP
fsr-3428	121	14	zero	zero	NUM
fsr-3428	121	15	percentage	percentage	NOUN
fsr-3428	121	16	interest	interest	NOUN
fsr-3428	121	17	for	for	ADP
fsr-3428	121	18	a	a	DET
fsr-3428	121	19	short	short	ADJ
fsr-3428	121	20	period	period	NOUN
fsr-3428	121	21	of	of	ADP
fsr-3428	121	22	time	time	NOUN
fsr-3428	121	23	.	.	PUNCT
fsr-3428	122	1	in	in	ADP
fsr-3428	122	2	effect	effect	NOUN
fsr-3428	122	3	,	,	PUNCT
fsr-3428	122	4	a	a	DET
fsr-3428	122	5	consumer	consumer	NOUN
fsr-3428	122	6	could	could	AUX
fsr-3428	122	7	invest	invest	VERB
fsr-3428	122	8	the	the	DET
fsr-3428	122	9	money	money	NOUN
fsr-3428	122	10	that	that	PRON
fsr-3428	122	11	is	be	AUX
fsr-3428	122	12	newly	newly	ADV
fsr-3428	122	13	available	available	ADJ
fsr-3428	122	14	because	because	SCONJ
fsr-3428	122	15	of	of	ADP
fsr-3428	122	16	payment	payment	NOUN
fsr-3428	122	17	float	float	NOUN
fsr-3428	122	18	to	to	PART
fsr-3428	122	19	take	take	VERB
fsr-3428	122	20	advantage	advantage	NOUN
fsr-3428	122	21	of	of	ADP
fsr-3428	122	22	the	the	DET
fsr-3428	122	23	zero	zero	NUM
fsr-3428	122	24	percentage	percentage	NOUN
fsr-3428	122	25	interest	interest	NOUN
fsr-3428	122	26	offered	offer	VERB
fsr-3428	122	27	by	by	ADP
fsr-3428	122	28	a	a	DET
fsr-3428	122	29	card	card	NOUN
fsr-3428	122	30	.	.	PUNCT
fsr-3428	123	1	while	while	SCONJ
fsr-3428	123	2	the	the	DET
fsr-3428	123	3	duration	duration	NOUN
fsr-3428	123	4	of	of	ADP
fsr-3428	123	5	payment	payment	NOUN
fsr-3428	123	6	float	float	NOUN
fsr-3428	123	7	and	and	CCONJ
fsr-3428	123	8	the	the	DET
fsr-3428	123	9	speed	speed	NOUN
fsr-3428	123	10	of	of	ADP
fsr-3428	123	11	rewards	reward	NOUN
fsr-3428	123	12	-	-	PUNCT
fsr-3428	123	13	earning	earn	VERB
fsr-3428	123	14	differs	differ	NOUN
fsr-3428	123	15	among	among	ADP
fsr-3428	123	16	cards	card	NOUN
fsr-3428	123	17	,	,	PUNCT
fsr-3428	123	18	jalbert	jalbert	PROPN
fsr-3428	123	19	et	et	PROPN
fsr-3428	123	20	al	al	PROPN
fsr-3428	123	21	.	.	PROPN
fsr-3428	124	1	(	(	PUNCT
fsr-3428	124	2	2010	2010	NUM
fsr-3428	124	3	)	)	PUNCT
fsr-3428	124	4	attempt	attempt	VERB
fsr-3428	124	5	to	to	PART
fsr-3428	124	6	quantify	quantify	VERB
fsr-3428	124	7	the	the	DET
fsr-3428	124	8	benefits	benefit	NOUN
fsr-3428	124	9	from	from	ADP
fsr-3428	124	10	using	use	VERB
fsr-3428	124	11	a	a	DET
fsr-3428	124	12	rewards	reward	NOUN
fsr-3428	124	13	card	card	NOUN
fsr-3428	124	14	relative	relative	ADJ
fsr-3428	124	15	to	to	ADP
fsr-3428	124	16	cash	cash	NOUN
fsr-3428	124	17	or	or	CCONJ
fsr-3428	124	18	checks	check	NOUN
fsr-3428	124	19	.	.	PUNCT
fsr-3428	125	1	they	they	PRON
fsr-3428	125	2	report	report	VERB
fsr-3428	125	3	that	that	SCONJ
fsr-3428	125	4	consumers	consumer	NOUN
fsr-3428	125	5	can	can	AUX
fsr-3428	125	6	generate	generate	VERB
fsr-3428	125	7	substantial	substantial	ADJ
fsr-3428	125	8	monetary	monetary	ADJ
fsr-3428	125	9	benefits	benefit	NOUN
fsr-3428	125	10	.	.	PUNCT
fsr-3428	126	1	for	for	ADP
fsr-3428	126	2	example	example	NOUN
fsr-3428	126	3	,	,	PUNCT
fsr-3428	126	4	an	an	DET
fsr-3428	126	5	individual	individual	NOUN
fsr-3428	126	6	with	with	ADP
fsr-3428	126	7	$	$	SYM
fsr-3428	126	8	2,000	2,000	NUM
fsr-3428	126	9	in	in	ADP
fsr-3428	126	10	monthly	monthly	ADJ
fsr-3428	126	11	expenses	expense	NOUN
fsr-3428	126	12	and	and	CCONJ
fsr-3428	126	13	a	a	DET
fsr-3428	126	14	discount	discount	NOUN
fsr-3428	126	15	rate	rate	NOUN
fsr-3428	126	16	of	of	ADP
fsr-3428	126	17	10	10	NUM
fsr-3428	126	18	%	%	NOUN
fsr-3428	126	19	could	could	AUX
fsr-3428	126	20	expect	expect	VERB
fsr-3428	126	21	to	to	PART
fsr-3428	126	22	reduce	reduce	VERB
fsr-3428	126	23	the	the	DET
fsr-3428	126	24	net	net	ADJ
fsr-3428	126	25	present	present	ADJ
fsr-3428	126	26	value	value	NOUN
fsr-3428	126	27	of	of	ADP
fsr-3428	126	28	five	five	NUM
fsr-3428	126	29	years	year	NOUN
fsr-3428	126	30	of	of	ADP
fsr-3428	126	31	spending	spending	NOUN
fsr-3428	126	32	by	by	ADP
fsr-3428	126	33	$	$	SYM
fsr-3428	126	34	7,119	7,119	NUM
fsr-3428	126	35	when	when	SCONJ
fsr-3428	126	36	using	use	VERB
fsr-3428	126	37	a	a	DET
fsr-3428	126	38	rewards	reward	NOUN
fsr-3428	126	39	card	card	NOUN
fsr-3428	126	40	in	in	ADP
fsr-3428	126	41	lieu	lieu	NOUN
fsr-3428	126	42	of	of	ADP
fsr-3428	126	43	cash.7	cash.7	VERB
fsr-3428	126	44	the	the	DET
fsr-3428	126	45	authors	author	NOUN
fsr-3428	126	46	conclude	conclude	VERB
fsr-3428	126	47	the	the	DET
fsr-3428	126	48	paper	paper	NOUN
fsr-3428	126	49	by	by	ADP
fsr-3428	126	50	pondering	ponder	VERB
fsr-3428	126	51	why	why	SCONJ
fsr-3428	126	52	so	so	ADV
fsr-3428	126	53	many	many	ADJ
fsr-3428	126	54	consumers	consumer	NOUN
fsr-3428	126	55	eschew	eschew	VERB
fsr-3428	126	56	rewards	reward	VERB
fsr-3428	126	57	credit	credit	NOUN
fsr-3428	126	58	cards	card	NOUN
fsr-3428	126	59	.	.	PUNCT
fsr-3428	127	1	while	while	SCONJ
fsr-3428	127	2	credit	credit	NOUN
fsr-3428	127	3	card	card	NOUN
fsr-3428	127	4	use	use	NOUN
fsr-3428	127	5	has	have	AUX
fsr-3428	127	6	been	be	AUX
fsr-3428	127	7	linked	link	VERB
fsr-3428	127	8	to	to	ADP
fsr-3428	127	9	increased	increase	VERB
fsr-3428	127	10	spending	spending	NOUN
fsr-3428	127	11	(	(	PUNCT
fsr-3428	127	12	e.g.	e.g.	ADV
fsr-3428	127	13	,	,	PUNCT
fsr-3428	127	14	soman	soman	NOUN
fsr-3428	127	15	,	,	PUNCT
fsr-3428	127	16	2003	2003	NUM
fsr-3428	127	17	)	)	PUNCT
fsr-3428	127	18	,	,	PUNCT
fsr-3428	127	19	the	the	DET
fsr-3428	127	20	authors	author	NOUN
fsr-3428	127	21	wonder	wonder	VERB
fsr-3428	127	22	if	if	SCONJ
fsr-3428	127	23	the	the	DET
fsr-3428	127	24	substantial	substantial	ADJ
fsr-3428	127	25	benefits	benefit	NOUN
fsr-3428	127	26	from	from	ADP
fsr-3428	127	27	using	use	VERB
fsr-3428	127	28	rewards	reward	NOUN
fsr-3428	127	29	cards	card	NOUN
fsr-3428	127	30	may	may	AUX
fsr-3428	127	31	dwarf	dwarf	VERB
fsr-3428	127	32	the	the	DET
fsr-3428	127	33	potential	potential	ADJ
fsr-3428	127	34	costs	cost	NOUN
fsr-3428	127	35	of	of	ADP
fsr-3428	127	36	frivolous	frivolous	ADJ
fsr-3428	127	37	spending	spending	NOUN
fsr-3428	127	38	.	.	PUNCT
fsr-3428	128	1	ricaldi	ricaldi	PROPN
fsr-3428	128	2	et	et	PROPN
fsr-3428	128	3	al	al	PROPN
fsr-3428	128	4	.	.	PROPN
fsr-3428	129	1	(	(	PUNCT
fsr-3428	129	2	2013	2013	NUM
fsr-3428	129	3	)	)	PUNCT
fsr-3428	129	4	provide	provide	VERB
fsr-3428	129	5	a	a	DET
fsr-3428	129	6	potential	potential	ADJ
fsr-3428	129	7	response	response	NOUN
fsr-3428	129	8	to	to	AUX
fsr-3428	129	9	jalbert	jalbert	VERB
fsr-3428	129	10	et	et	PROPN
fsr-3428	129	11	al	al	PROPN
fsr-3428	129	12	.	.	PROPN
fsr-3428	130	1	(	(	PUNCT
fsr-3428	130	2	2010	2010	NUM
fsr-3428	130	3	)	)	PUNCT
fsr-3428	130	4	.	.	PUNCT
fsr-3428	131	1	they	they	PRON
fsr-3428	131	2	suggest	suggest	VERB
fsr-3428	131	3	that	that	SCONJ
fsr-3428	131	4	many	many	ADJ
fsr-3428	131	5	consumers	consumer	NOUN
fsr-3428	131	6	lack	lack	VERB
fsr-3428	131	7	the	the	DET
fsr-3428	131	8	financial	financial	ADJ
fsr-3428	131	9	literacy	literacy	NOUN
fsr-3428	131	10	to	to	PART
fsr-3428	131	11	understand	understand	VERB
fsr-3428	131	12	or	or	CCONJ
fsr-3428	131	13	properly	properly	ADV
fsr-3428	131	14	evaluate	evaluate	VERB
fsr-3428	131	15	the	the	DET
fsr-3428	131	16	merits	merit	NOUN
fsr-3428	131	17	of	of	ADP
fsr-3428	131	18	rewards	reward	NOUN
fsr-3428	131	19	credit	credit	NOUN
fsr-3428	131	20	cards	card	NOUN
fsr-3428	131	21	.	.	PUNCT
fsr-3428	132	1	the	the	DET
fsr-3428	132	2	authors	author	NOUN
fsr-3428	132	3	argue	argue	VERB
fsr-3428	132	4	that	that	SCONJ
fsr-3428	132	5	informed	inform	VERB
fsr-3428	132	6	consumers	consumer	NOUN
fsr-3428	132	7	should	should	AUX
fsr-3428	132	8	always	always	ADV
fsr-3428	132	9	prefer	prefer	VERB
fsr-3428	132	10	rewards	reward	NOUN
fsr-3428	132	11	credit	credit	NOUN
fsr-3428	132	12	cards	card	NOUN
fsr-3428	132	13	,	,	PUNCT
fsr-3428	132	14	relative	relative	ADJ
fsr-3428	132	15	to	to	ADP
fsr-3428	132	16	other	other	ADJ
fsr-3428	132	17	credit	credit	NOUN
fsr-3428	132	18	cards	card	NOUN
fsr-3428	132	19	and	and	CCONJ
fsr-3428	132	20	suggest	suggest	VERB
fsr-3428	132	21	that	that	SCONJ
fsr-3428	132	22	credit	credit	NOUN
fsr-3428	132	23	card	card	NOUN
fsr-3428	132	24	firms	firm	NOUN
fsr-3428	132	25	provide	provide	VERB
fsr-3428	132	26	both	both	DET
fsr-3428	132	27	offerings	offering	NOUN
fsr-3428	132	28	as	as	ADP
fsr-3428	132	29	a	a	DET
fsr-3428	132	30	way	way	NOUN
fsr-3428	132	31	to	to	PART
fsr-3428	132	32	segment	segment	VERB
fsr-3428	132	33	the	the	DET
fsr-3428	132	34	market	market	NOUN
fsr-3428	132	35	of	of	ADP
fsr-3428	132	36	consumers	consumer	NOUN
fsr-3428	132	37	between	between	ADP
fsr-3428	132	38	the	the	DET
fsr-3428	132	39	price	price	NOUN
fsr-3428	132	40	-	-	PUNCT
fsr-3428	132	41	sensitive	sensitive	ADJ
fsr-3428	132	42	,	,	PUNCT
fsr-3428	132	43	sophisticated	sophisticated	ADJ
fsr-3428	132	44	users	user	NOUN
fsr-3428	132	45	that	that	PRON
fsr-3428	132	46	will	will	AUX
fsr-3428	132	47	always	always	ADV
fsr-3428	132	48	opt	opt	VERB
fsr-3428	132	49	for	for	ADP
fsr-3428	132	50	rewards	reward	NOUN
fsr-3428	132	51	credit	credit	NOUN
fsr-3428	132	52	cards	card	NOUN
fsr-3428	132	53	and	and	CCONJ
fsr-3428	132	54	the	the	DET
fsr-3428	132	55	,	,	PUNCT
fsr-3428	132	56	perhaps	perhaps	ADV
fsr-3428	132	57	,	,	PUNCT
fsr-3428	132	58	“	"	PUNCT
fsr-3428	132	59	naı̈ve	naı̈ve	ADJ
fsr-3428	132	60	”	"	PUNCT
fsr-3428	132	61	consumers	consumer	NOUN
fsr-3428	132	62	who	who	PRON
fsr-3428	132	63	select	select	VERB
fsr-3428	132	64	cards	card	NOUN
fsr-3428	132	65	for	for	ADP
fsr-3428	132	66	nonfinancial	nonfinancial	ADJ
fsr-3428	132	67	or	or	CCONJ
fsr-3428	132	68	superficial	superficial	ADJ
fsr-3428	132	69	reasons	reason	NOUN
fsr-3428	132	70	(	(	PUNCT
fsr-3428	132	71	p.	p.	NOUN
fsr-3428	132	72	13	13	NUM
fsr-3428	132	73	)	)	PUNCT
fsr-3428	132	74	.	.	PUNCT
fsr-3428	133	1	this	this	DET
fsr-3428	133	2	conclusion	conclusion	NOUN
fsr-3428	133	3	is	be	AUX
fsr-3428	133	4	based	base	VERB
fsr-3428	133	5	on	on	ADP
fsr-3428	133	6	their	their	PRON
fsr-3428	133	7	finding	finding	NOUN
fsr-3428	133	8	that	that	SCONJ
fsr-3428	133	9	those	those	PRON
fsr-3428	133	10	with	with	ADP
fsr-3428	133	11	low	low	ADJ
fsr-3428	133	12	financial	financial	ADJ
fsr-3428	133	13	literacy	literacy	NOUN
fsr-3428	133	14	were	be	AUX
fsr-3428	133	15	far	far	ADV
fsr-3428	133	16	less	less	ADV
fsr-3428	133	17	likely	likely	ADJ
fsr-3428	133	18	to	to	PART
fsr-3428	133	19	use	use	VERB
fsr-3428	133	20	rewards	reward	NOUN
fsr-3428	133	21	credit	credit	NOUN
fsr-3428	133	22	cards	card	NOUN
fsr-3428	133	23	,	,	PUNCT
fsr-3428	133	24	even	even	ADV
fsr-3428	133	25	after	after	ADP
fsr-3428	133	26	controlling	control	VERB
fsr-3428	133	27	for	for	ADP
fsr-3428	133	28	other	other	ADJ
fsr-3428	133	29	important	important	ADJ
fsr-3428	133	30	characteristics	characteristic	NOUN
fsr-3428	133	31	such	such	ADJ
fsr-3428	133	32	as	as	ADP
fsr-3428	133	33	credit	credit	NOUN
fsr-3428	133	34	score	score	NOUN
fsr-3428	133	35	.	.	PUNCT
fsr-3428	134	1	the	the	DET
fsr-3428	134	2	findings	finding	NOUN
fsr-3428	134	3	from	from	ADP
fsr-3428	134	4	their	their	PRON
fsr-3428	134	5	research	research	NOUN
fsr-3428	134	6	suggests	suggest	VERB
fsr-3428	134	7	that	that	SCONJ
fsr-3428	134	8	the	the	DET
fsr-3428	134	9	prevalence	prevalence	NOUN
fsr-3428	134	10	and	and	CCONJ
fsr-3428	134	11	quality	quality	NOUN
fsr-3428	134	12	of	of	ADP
fsr-3428	134	13	financial	financial	ADJ
fsr-3428	134	14	education	education	NOUN
fsr-3428	134	15	will	will	AUX
fsr-3428	134	16	play	play	VERB
fsr-3428	134	17	a	a	DET
fsr-3428	134	18	role	role	NOUN
fsr-3428	134	19	in	in	ADP
fsr-3428	134	20	shaping	shape	VERB
fsr-3428	134	21	the	the	DET
fsr-3428	134	22	credit	credit	NOUN
fsr-3428	134	23	card	card	NOUN
fsr-3428	134	24	market	market	NOUN
fsr-3428	134	25	in	in	ADP
fsr-3428	134	26	future	future	ADJ
fsr-3428	134	27	generations	generation	NOUN
fsr-3428	134	28	.	.	PUNCT
fsr-3428	135	1	while	while	SCONJ
fsr-3428	135	2	aforementioned	aforementioned	ADJ
fsr-3428	135	3	research	research	NOUN
fsr-3428	135	4	indicates	indicate	VERB
fsr-3428	135	5	that	that	SCONJ
fsr-3428	135	6	credit	credit	NOUN
fsr-3428	135	7	card	card	NOUN
fsr-3428	135	8	rewards	reward	NOUN
fsr-3428	135	9	are	be	AUX
fsr-3428	135	10	lucrative	lucrative	ADJ
fsr-3428	135	11	and	and	CCONJ
fsr-3428	135	12	,	,	PUNCT
fsr-3428	135	13	yet	yet	ADV
fsr-3428	135	14	,	,	PUNCT
fsr-3428	135	15	underutilized	underutilize	VERB
fsr-3428	135	16	,	,	PUNCT
fsr-3428	135	17	rewards	reward	NOUN
fsr-3428	135	18	are	be	AUX
fsr-3428	135	19	nonetheless	nonetheless	ADV
fsr-3428	135	20	an	an	DET
fsr-3428	135	21	important	important	ADJ
fsr-3428	135	22	aspect	aspect	NOUN
fsr-3428	135	23	of	of	ADP
fsr-3428	135	24	payment	payment	NOUN
fsr-3428	135	25	choices	choice	NOUN
fsr-3428	135	26	made	make	VERB
fsr-3428	135	27	by	by	ADP
fsr-3428	135	28	consumers	consumer	NOUN
fsr-3428	135	29	.	.	PUNCT
fsr-3428	136	1	for	for	ADP
fsr-3428	136	2	consumers	consumer	NOUN
fsr-3428	136	3	who	who	PRON
fsr-3428	136	4	hold	hold	VERB
fsr-3428	136	5	both	both	DET
fsr-3428	136	6	debit	debit	NOUN
fsr-3428	136	7	and	and	CCONJ
fsr-3428	136	8	credit	credit	NOUN
fsr-3428	136	9	cards	card	NOUN
fsr-3428	136	10	,	,	PUNCT
fsr-3428	136	11	removing	remove	VERB
fsr-3428	136	12	rewards	reward	NOUN
fsr-3428	136	13	increases	increase	VERB
fsr-3428	136	14	the	the	DET
fsr-3428	136	15	frequency	frequency	NOUN
fsr-3428	136	16	of	of	ADP
fsr-3428	136	17	noncard	noncard	NOUN
fsr-3428	136	18	payments	payment	NOUN
fsr-3428	136	19	by	by	ADP
fsr-3428	136	20	almost	almost	ADV
fsr-3428	136	21	four	four	NUM
fsr-3428	136	22	percent	percent	NOUN
fsr-3428	136	23	(	(	PUNCT
fsr-3428	136	24	ching	ching	PROPN
fsr-3428	136	25	&	&	CCONJ
fsr-3428	136	26	hayashi	hayashi	PROPN
fsr-3428	136	27	,	,	PUNCT
fsr-3428	136	28	2010	2010	NUM
fsr-3428	136	29	)	)	PUNCT
fsr-3428	136	30	.	.	PUNCT
fsr-3428	137	1	furthermore	furthermore	ADV
fsr-3428	137	2	,	,	PUNCT
fsr-3428	137	3	it	it	PRON
fsr-3428	137	4	appears	appear	VERB
fsr-3428	137	5	that	that	SCONJ
fsr-3428	137	6	consumers	consumer	NOUN
fsr-3428	137	7	are	be	AUX
fsr-3428	137	8	somewhat	somewhat	ADV
fsr-3428	137	9	sensitive	sensitive	ADJ
fsr-3428	137	10	to	to	ADP
fsr-3428	137	11	the	the	DET
fsr-3428	137	12	magnitude	magnitude	NOUN
fsr-3428	137	13	of	of	ADP
fsr-3428	137	14	rewards	reward	NOUN
fsr-3428	137	15	;	;	PUNCT
fsr-3428	137	16	as	as	SCONJ
fsr-3428	137	17	rewards	reward	NOUN
fsr-3428	137	18	become	become	VERB
fsr-3428	137	19	more	more	ADV
fsr-3428	137	20	lucrative	lucrative	ADJ
fsr-3428	137	21	,	,	PUNCT
fsr-3428	137	22	consumers	consumer	NOUN
fsr-3428	137	23	are	be	AUX
fsr-3428	137	24	more	more	ADV
fsr-3428	137	25	likely	likely	ADJ
fsr-3428	137	26	to	to	PART
fsr-3428	137	27	use	use	VERB
fsr-3428	137	28	rewards	reward	NOUN
fsr-3428	137	29	credit	credit	NOUN
fsr-3428	137	30	cards	card	NOUN
fsr-3428	137	31	228	228	NUM
fsr-3428	137	32	n.	n.	PROPN
fsr-3428	137	33	macdonald	macdonald	PROPN
fsr-3428	137	34	,	,	PUNCT
fsr-3428	137	35	b.	b.	PROPN
fsr-3428	137	36	evans	evans	PROPN
fsr-3428	137	37	/	/	SYM
fsr-3428	137	38	financial	financial	ADJ
fsr-3428	137	39	services	service	NOUN
fsr-3428	137	40	review	review	VERB
fsr-3428	137	41	28	28	NUM
fsr-3428	137	42	(	(	PUNCT
fsr-3428	137	43	2020	2020	NUM
fsr-3428	137	44	)	)	PUNCT
fsr-3428	138	1	223–242	223–242	NUM
fsr-3428	138	2	instead	instead	ADV
fsr-3428	138	3	of	of	ADP
fsr-3428	138	4	other	other	ADJ
fsr-3428	138	5	payment	payment	NOUN
fsr-3428	138	6	methods	method	NOUN
fsr-3428	138	7	(	(	PUNCT
fsr-3428	138	8	carten	carten	VERB
fsr-3428	138	9	et	et	PROPN
fsr-3428	138	10	al	al	PROPN
fsr-3428	138	11	.	.	PROPN
fsr-3428	138	12	,	,	PUNCT
fsr-3428	138	13	2007	2007	NUM
fsr-3428	138	14	)	)	PUNCT
fsr-3428	138	15	.	.	PUNCT
fsr-3428	139	1	given	give	VERB
fsr-3428	139	2	that	that	SCONJ
fsr-3428	139	3	rewards	reward	NOUN
fsr-3428	139	4	cards	card	NOUN
fsr-3428	139	5	are	be	AUX
fsr-3428	139	6	already	already	ADV
fsr-3428	139	7	heavily	heavily	ADV
fsr-3428	139	8	utilized	utilize	VERB
fsr-3428	139	9	and	and	CCONJ
fsr-3428	139	10	younger	young	ADJ
fsr-3428	139	11	consumers	consumer	NOUN
fsr-3428	139	12	are	be	AUX
fsr-3428	139	13	more	more	ADV
fsr-3428	139	14	apt	apt	ADJ
fsr-3428	139	15	to	to	PART
fsr-3428	139	16	use	use	VERB
fsr-3428	139	17	credit	credit	NOUN
fsr-3428	139	18	cards	card	NOUN
fsr-3428	139	19	relative	relative	ADJ
fsr-3428	139	20	to	to	ADP
fsr-3428	139	21	prior	prior	ADJ
fsr-3428	139	22	generations	generation	NOUN
fsr-3428	139	23	,	,	PUNCT
fsr-3428	139	24	it	it	PRON
fsr-3428	139	25	appears	appear	VERB
fsr-3428	139	26	that	that	SCONJ
fsr-3428	139	27	rewards	reward	VERB
fsr-3428	139	28	cards	card	NOUN
fsr-3428	139	29	will	will	AUX
fsr-3428	139	30	continue	continue	VERB
fsr-3428	139	31	to	to	PART
fsr-3428	139	32	gain	gain	VERB
fsr-3428	139	33	relevance	relevance	NOUN
fsr-3428	139	34	in	in	ADP
fsr-3428	139	35	the	the	DET
fsr-3428	139	36	coming	come	VERB
fsr-3428	139	37	years	year	NOUN
fsr-3428	139	38	.	.	PUNCT
fsr-3428	140	1	we	we	PRON
fsr-3428	140	2	hope	hope	VERB
fsr-3428	140	3	that	that	SCONJ
fsr-3428	140	4	the	the	DET
fsr-3428	140	5	theoretical	theoretical	ADJ
fsr-3428	140	6	models	model	NOUN
fsr-3428	140	7	constructed	construct	VERB
fsr-3428	140	8	herein	herein	NOUN
fsr-3428	140	9	will	will	AUX
fsr-3428	140	10	further	further	VERB
fsr-3428	140	11	the	the	DET
fsr-3428	140	12	literature	literature	NOUN
fsr-3428	140	13	on	on	ADP
fsr-3428	140	14	this	this	DET
fsr-3428	140	15	meaningful	meaningful	ADJ
fsr-3428	140	16	subject	subject	NOUN
fsr-3428	140	17	area	area	NOUN
fsr-3428	140	18	.	.	PUNCT
fsr-3428	141	1	5	5	X
fsr-3428	141	2	.	.	X
fsr-3428	141	3	theory	theory	NOUN
fsr-3428	141	4	and	and	CCONJ
fsr-3428	141	5	models	model	NOUN
fsr-3428	141	6	using	use	VERB
fsr-3428	141	7	cost	cost	NOUN
fsr-3428	141	8	and	and	CCONJ
fsr-3428	141	9	demand	demand	NOUN
fsr-3428	141	10	curves	curve	NOUN
fsr-3428	141	11	,	,	PUNCT
fsr-3428	141	12	we	we	PRON
fsr-3428	141	13	aim	aim	VERB
fsr-3428	141	14	to	to	PART
fsr-3428	141	15	construct	construct	VERB
fsr-3428	141	16	models	model	NOUN
fsr-3428	141	17	that	that	PRON
fsr-3428	141	18	clearly	clearly	ADV
fsr-3428	141	19	illustrate	illustrate	VERB
fsr-3428	141	20	the	the	DET
fsr-3428	141	21	consumption	consumption	NOUN
fsr-3428	141	22	choices	choice	NOUN
fsr-3428	141	23	made	make	VERB
fsr-3428	141	24	by	by	ADP
fsr-3428	141	25	consumers	consumer	NOUN
fsr-3428	141	26	implementing	implement	VERB
fsr-3428	141	27	a	a	DET
fsr-3428	141	28	cash	cash	NOUN
fsr-3428	141	29	-	-	PUNCT
fsr-3428	141	30	back	back	NOUN
fsr-3428	141	31	rewards	reward	NOUN
fsr-3428	141	32	card	card	NOUN
fsr-3428	141	33	.	.	PUNCT
fsr-3428	142	1	to	to	PART
fsr-3428	142	2	do	do	VERB
fsr-3428	142	3	so	so	ADV
fsr-3428	142	4	,	,	PUNCT
fsr-3428	142	5	we	we	PRON
fsr-3428	142	6	use	use	VERB
fsr-3428	142	7	actual	actual	ADJ
fsr-3428	142	8	credit	credit	NOUN
fsr-3428	142	9	card	card	NOUN
fsr-3428	142	10	reward	reward	NOUN
fsr-3428	142	11	systems	system	NOUN
fsr-3428	142	12	that	that	PRON
fsr-3428	142	13	are	be	AUX
fsr-3428	142	14	currently	currently	ADV
fsr-3428	142	15	available	available	ADJ
fsr-3428	142	16	in	in	ADP
fsr-3428	142	17	the	the	DET
fsr-3428	142	18	united	united	PROPN
fsr-3428	142	19	states	states	PROPN
fsr-3428	142	20	.	.	PUNCT
fsr-3428	143	1	these	these	DET
fsr-3428	143	2	models	model	NOUN
fsr-3428	143	3	allow	allow	VERB
fsr-3428	143	4	us	we	PRON
fsr-3428	143	5	to	to	PART
fsr-3428	143	6	consider	consider	VERB
fsr-3428	143	7	how	how	SCONJ
fsr-3428	143	8	a	a	DET
fsr-3428	143	9	rational	rational	ADJ
fsr-3428	143	10	consumer	consumer	NOUN
fsr-3428	143	11	’s	’s	PART
fsr-3428	143	12	spending	spending	NOUN
fsr-3428	143	13	and	and	CCONJ
fsr-3428	143	14	savings	saving	NOUN
fsr-3428	143	15	would	would	AUX
fsr-3428	143	16	be	be	AUX
fsr-3428	143	17	affected	affect	VERB
fsr-3428	143	18	(	(	PUNCT
fsr-3428	143	19	if	if	SCONJ
fsr-3428	143	20	at	at	ADV
fsr-3428	143	21	all	all	ADV
fsr-3428	143	22	)	)	PUNCT
fsr-3428	143	23	when	when	SCONJ
fsr-3428	143	24	the	the	DET
fsr-3428	143	25	consumer	consumer	NOUN
fsr-3428	143	26	switches	switch	NOUN
fsr-3428	143	27	from	from	ADP
fsr-3428	143	28	cash	cash	NOUN
fsr-3428	143	29	to	to	ADP
fsr-3428	143	30	a	a	DET
fsr-3428	143	31	cash	cash	NOUN
fsr-3428	143	32	-	-	PUNCT
fsr-3428	143	33	back	back	NOUN
fsr-3428	143	34	rewards	reward	NOUN
fsr-3428	143	35	card	card	NOUN
fsr-3428	143	36	.	.	PUNCT
fsr-3428	144	1	to	to	PART
fsr-3428	144	2	simplify	simplify	VERB
fsr-3428	144	3	our	our	PRON
fsr-3428	144	4	analyses	analysis	NOUN
fsr-3428	144	5	,	,	PUNCT
fsr-3428	144	6	we	we	PRON
fsr-3428	144	7	must	must	AUX
fsr-3428	144	8	first	first	ADV
fsr-3428	144	9	construct	construct	VERB
fsr-3428	144	10	assumptions	assumption	NOUN
fsr-3428	144	11	.	.	PUNCT
fsr-3428	145	1	then	then	ADV
fsr-3428	145	2	,	,	PUNCT
fsr-3428	145	3	we	we	PRON
fsr-3428	145	4	consider	consider	VERB
fsr-3428	145	5	the	the	DET
fsr-3428	145	6	consumption	consumption	NOUN
fsr-3428	145	7	choices	choice	NOUN
fsr-3428	145	8	made	make	VERB
fsr-3428	145	9	by	by	ADP
fsr-3428	145	10	several	several	ADJ
fsr-3428	145	11	representative	representative	ADJ
fsr-3428	145	12	consumers	consumer	NOUN
fsr-3428	145	13	,	,	PUNCT
fsr-3428	145	14	each	each	PRON
fsr-3428	145	15	with	with	ADP
fsr-3428	145	16	their	their	PRON
fsr-3428	145	17	own	own	ADJ
fsr-3428	145	18	unique	unique	ADJ
fsr-3428	145	19	demand	demand	NOUN
fsr-3428	145	20	curves	curve	NOUN
fsr-3428	145	21	.	.	PUNCT
fsr-3428	146	1	5.1	5.1	NUM
fsr-3428	146	2	.	.	PUNCT
fsr-3428	146	3	assumptions	assumption	NOUN
fsr-3428	146	4	in	in	ADP
fsr-3428	146	5	the	the	DET
fsr-3428	146	6	following	follow	VERB
fsr-3428	146	7	section	section	NOUN
fsr-3428	146	8	,	,	PUNCT
fsr-3428	146	9	we	we	PRON
fsr-3428	146	10	consider	consider	VERB
fsr-3428	146	11	how	how	SCONJ
fsr-3428	146	12	an	an	DET
fsr-3428	146	13	individual	individual	NOUN
fsr-3428	146	14	that	that	PRON
fsr-3428	146	15	traditionally	traditionally	ADV
fsr-3428	146	16	uses	use	VERB
fsr-3428	146	17	cash	cash	NOUN
fsr-3428	146	18	as	as	ADP
fsr-3428	146	19	a	a	DET
fsr-3428	146	20	payment	payment	NOUN
fsr-3428	146	21	method	method	NOUN
fsr-3428	146	22	would	would	AUX
fsr-3428	146	23	alter	alter	VERB
fsr-3428	146	24	consumption	consumption	NOUN
fsr-3428	146	25	habits	habit	NOUN
fsr-3428	146	26	(	(	PUNCT
fsr-3428	146	27	if	if	SCONJ
fsr-3428	146	28	at	at	ADV
fsr-3428	146	29	all	all	ADV
fsr-3428	146	30	)	)	PUNCT
fsr-3428	146	31	when	when	SCONJ
fsr-3428	146	32	a	a	DET
fsr-3428	146	33	rewards	reward	NOUN
fsr-3428	146	34	credit	credit	NOUN
fsr-3428	146	35	card	card	NOUN
fsr-3428	146	36	suddenly	suddenly	ADV
fsr-3428	146	37	becomes	become	VERB
fsr-3428	146	38	available	available	ADJ
fsr-3428	146	39	.	.	PUNCT
fsr-3428	147	1	both	both	CCONJ
fsr-3428	147	2	the	the	DET
fsr-3428	147	3	plausibility	plausibility	NOUN
fsr-3428	147	4	of	of	ADP
fsr-3428	147	5	using	use	VERB
fsr-3428	147	6	a	a	DET
fsr-3428	147	7	rewards	reward	NOUN
fsr-3428	147	8	credit	credit	NOUN
fsr-3428	147	9	card	card	NOUN
fsr-3428	147	10	(	(	PUNCT
fsr-3428	147	11	after	after	ADV
fsr-3428	147	12	all	all	ADV
fsr-3428	147	13	,	,	PUNCT
fsr-3428	147	14	many	many	ADJ
fsr-3428	147	15	do	do	AUX
fsr-3428	147	16	not	not	PART
fsr-3428	147	17	qualify	qualify	VERB
fsr-3428	147	18	for	for	ADP
fsr-3428	147	19	credit	credit	NOUN
fsr-3428	147	20	cards	card	NOUN
fsr-3428	147	21	)	)	PUNCT
fsr-3428	147	22	and	and	CCONJ
fsr-3428	147	23	the	the	DET
fsr-3428	147	24	spending	spending	NOUN
fsr-3428	147	25	choices	choice	NOUN
fsr-3428	147	26	that	that	PRON
fsr-3428	147	27	an	an	DET
fsr-3428	147	28	individual	individual	NOUN
fsr-3428	147	29	would	would	AUX
fsr-3428	147	30	make	make	VERB
fsr-3428	147	31	are	be	AUX
fsr-3428	147	32	clearly	clearly	ADV
fsr-3428	147	33	unique	unique	ADJ
fsr-3428	147	34	to	to	ADP
fsr-3428	147	35	a	a	DET
fsr-3428	147	36	given	give	VERB
fsr-3428	147	37	individual	individual	NOUN
fsr-3428	147	38	.	.	PUNCT
fsr-3428	148	1	to	to	PART
fsr-3428	148	2	simplify	simplify	VERB
fsr-3428	148	3	,	,	PUNCT
fsr-3428	148	4	we	we	PRON
fsr-3428	148	5	consider	consider	VERB
fsr-3428	148	6	representative	representative	ADJ
fsr-3428	148	7	consumers	consumer	NOUN
fsr-3428	148	8	that	that	PRON
fsr-3428	148	9	are	be	AUX
fsr-3428	148	10	bounded	bound	VERB
fsr-3428	148	11	by	by	ADP
fsr-3428	148	12	the	the	DET
fsr-3428	148	13	following	follow	VERB
fsr-3428	148	14	assumptions	assumption	NOUN
fsr-3428	148	15	.	.	PUNCT
fsr-3428	149	1	1	1	X
fsr-3428	149	2	.	.	X
fsr-3428	149	3	consumers	consumer	NOUN
fsr-3428	149	4	may	may	AUX
fsr-3428	149	5	use	use	VERB
fsr-3428	149	6	cash	cash	NOUN
fsr-3428	149	7	or	or	CCONJ
fsr-3428	149	8	a	a	DET
fsr-3428	149	9	cash	cash	NOUN
fsr-3428	149	10	-	-	PUNCT
fsr-3428	149	11	back	back	NOUN
fsr-3428	149	12	credit	credit	NOUN
fsr-3428	149	13	card	card	NOUN
fsr-3428	149	14	for	for	ADP
fsr-3428	149	15	all	all	DET
fsr-3428	149	16	purchases	purchase	NOUN
fsr-3428	149	17	.	.	PUNCT
fsr-3428	150	1	2	2	X
fsr-3428	150	2	.	.	X
fsr-3428	150	3	consumers	consumer	NOUN
fsr-3428	150	4	always	always	ADV
fsr-3428	150	5	pay	pay	VERB
fsr-3428	150	6	their	their	PRON
fsr-3428	150	7	credit	credit	NOUN
fsr-3428	150	8	card	card	NOUN
fsr-3428	150	9	balance	balance	NOUN
fsr-3428	150	10	in	in	ADP
fsr-3428	150	11	full	full	ADJ
fsr-3428	150	12	;	;	PUNCT
fsr-3428	150	13	thus	thus	ADV
fsr-3428	150	14	,	,	PUNCT
fsr-3428	150	15	the	the	DET
fsr-3428	150	16	interest	interest	NOUN
fsr-3428	150	17	rate	rate	NOUN
fsr-3428	150	18	that	that	PRON
fsr-3428	150	19	a	a	DET
fsr-3428	150	20	card	card	NOUN
fsr-3428	150	21	offers	offer	VERB
fsr-3428	150	22	is	be	AUX
fsr-3428	150	23	inconsequential	inconsequential	ADJ
fsr-3428	150	24	.	.	PUNCT
fsr-3428	151	1	3	3	X
fsr-3428	151	2	.	.	X
fsr-3428	151	3	consumers	consumer	NOUN
fsr-3428	151	4	are	be	AUX
fsr-3428	151	5	indifferent	indifferent	ADJ
fsr-3428	151	6	among	among	ADP
fsr-3428	151	7	payment	payment	NOUN
fsr-3428	151	8	methods	method	NOUN
fsr-3428	151	9	and	and	CCONJ
fsr-3428	151	10	expenditures	expenditure	NOUN
fsr-3428	151	11	will	will	AUX
fsr-3428	151	12	not	not	PART
fsr-3428	151	13	vary	vary	VERB
fsr-3428	151	14	across	across	ADP
fsr-3428	151	15	payment	payment	NOUN
fsr-3428	151	16	methods	method	NOUN
fsr-3428	151	17	,	,	PUNCT
fsr-3428	151	18	ceteris	ceteris	NOUN
fsr-3428	151	19	paribus	paribus	NOUN
fsr-3428	151	20	.	.	PUNCT
fsr-3428	152	1	4	4	X
fsr-3428	152	2	.	.	X
fsr-3428	152	3	attaining	attain	VERB
fsr-3428	152	4	a	a	DET
fsr-3428	152	5	credit	credit	NOUN
fsr-3428	152	6	card	card	NOUN
fsr-3428	152	7	is	be	AUX
fsr-3428	152	8	costless	costless	ADJ
fsr-3428	152	9	and	and	CCONJ
fsr-3428	152	10	credit	credit	NOUN
fsr-3428	152	11	cards	card	NOUN
fsr-3428	152	12	charge	charge	VERB
fsr-3428	152	13	no	no	DET
fsr-3428	152	14	annual	annual	ADJ
fsr-3428	152	15	fee	fee	NOUN
fsr-3428	152	16	.	.	PUNCT
fsr-3428	153	1	5	5	X
fsr-3428	153	2	.	.	X
fsr-3428	153	3	credit	credit	NOUN
fsr-3428	153	4	cards	card	NOUN
fsr-3428	153	5	only	only	ADV
fsr-3428	153	6	offer	offer	VERB
fsr-3428	153	7	cash	cash	NOUN
fsr-3428	153	8	-	-	PUNCT
fsr-3428	153	9	back	back	NOUN
fsr-3428	153	10	rewards	reward	NOUN
fsr-3428	153	11	and	and	CCONJ
fsr-3428	153	12	provide	provide	VERB
fsr-3428	153	13	no	no	DET
fsr-3428	153	14	other	other	ADJ
fsr-3428	153	15	perks	perk	NOUN
fsr-3428	153	16	.	.	PUNCT
fsr-3428	154	1	6	6	X
fsr-3428	154	2	.	.	X
fsr-3428	154	3	consumers	consumer	NOUN
fsr-3428	154	4	maximize	maximize	VERB
fsr-3428	154	5	utility	utility	NOUN
fsr-3428	154	6	,	,	PUNCT
fsr-3428	154	7	which	which	PRON
fsr-3428	154	8	is	be	AUX
fsr-3428	154	9	measured	measure	VERB
fsr-3428	154	10	by	by	ADP
fsr-3428	154	11	consumer	consumer	NOUN
fsr-3428	154	12	surplus	surplus	NOUN
fsr-3428	154	13	.	.	PUNCT
fsr-3428	155	1	7	7	X
fsr-3428	155	2	.	.	X
fsr-3428	155	3	consumers	consumer	NOUN
fsr-3428	155	4	have	have	VERB
fsr-3428	155	5	a	a	DET
fsr-3428	155	6	discount	discount	NOUN
fsr-3428	155	7	rate	rate	NOUN
fsr-3428	155	8	of	of	ADP
fsr-3428	155	9	zero	zero	NUM
fsr-3428	155	10	.	.	PUNCT
fsr-3428	156	1	8	8	X
fsr-3428	156	2	.	.	PUNCT
fsr-3428	157	1	consumers	consumer	NOUN
fsr-3428	157	2	have	have	VERB
fsr-3428	157	3	a	a	DET
fsr-3428	157	4	price	price	NOUN
fsr-3428	157	5	-	-	PUNCT
fsr-3428	157	6	elasticity	elasticity	NOUN
fsr-3428	157	7	of	of	ADP
fsr-3428	157	8	demand	demand	NOUN
fsr-3428	157	9	that	that	PRON
fsr-3428	157	10	is	be	AUX
fsr-3428	157	11	neither	neither	CCONJ
fsr-3428	157	12	perfectly	perfectly	ADV
fsr-3428	157	13	elastic	elastic	ADJ
fsr-3428	157	14	nor	nor	CCONJ
fsr-3428	157	15	perfectly	perfectly	ADV
fsr-3428	157	16	inelastic	inelastic	ADJ
fsr-3428	157	17	.	.	PUNCT
fsr-3428	158	1	each	each	PRON
fsr-3428	158	2	of	of	ADP
fsr-3428	158	3	these	these	DET
fsr-3428	158	4	assumptions	assumption	NOUN
fsr-3428	158	5	is	be	AUX
fsr-3428	158	6	crucial	crucial	ADJ
fsr-3428	158	7	to	to	ADP
fsr-3428	158	8	developing	develop	VERB
fsr-3428	158	9	a	a	DET
fsr-3428	158	10	feasible	feasible	ADJ
fsr-3428	158	11	model	model	NOUN
fsr-3428	158	12	that	that	PRON
fsr-3428	158	13	is	be	AUX
fsr-3428	158	14	generalizable	generalizable	ADJ
fsr-3428	158	15	to	to	ADP
fsr-3428	158	16	all	all	DET
fsr-3428	158	17	consumers	consumer	NOUN
fsr-3428	158	18	.	.	PUNCT
fsr-3428	159	1	assumption	assumption	NOUN
fsr-3428	159	2	1	1	NUM
fsr-3428	159	3	allows	allow	VERB
fsr-3428	159	4	consumers	consumer	NOUN
fsr-3428	159	5	to	to	PART
fsr-3428	159	6	freely	freely	ADV
fsr-3428	159	7	choose	choose	VERB
fsr-3428	159	8	whether	whether	SCONJ
fsr-3428	159	9	to	to	PART
fsr-3428	159	10	use	use	VERB
fsr-3428	159	11	cash	cash	NOUN
fsr-3428	159	12	or	or	CCONJ
fsr-3428	159	13	a	a	DET
fsr-3428	159	14	cash	cash	NOUN
fsr-3428	159	15	-	-	PUNCT
fsr-3428	159	16	back	back	NOUN
fsr-3428	159	17	credit	credit	NOUN
fsr-3428	159	18	card	card	NOUN
fsr-3428	159	19	for	for	ADP
fsr-3428	159	20	all	all	DET
fsr-3428	159	21	purchases	purchase	NOUN
fsr-3428	159	22	;	;	PUNCT
fsr-3428	159	23	thus	thus	ADV
fsr-3428	159	24	,	,	PUNCT
fsr-3428	159	25	there	there	PRON
fsr-3428	159	26	is	be	VERB
fsr-3428	159	27	never	never	ADV
fsr-3428	159	28	a	a	DET
fsr-3428	159	29	situation	situation	NOUN
fsr-3428	159	30	where	where	SCONJ
fsr-3428	159	31	a	a	DET
fsr-3428	159	32	consumer	consumer	NOUN
fsr-3428	159	33	is	be	AUX
fsr-3428	159	34	forced	force	VERB
fsr-3428	159	35	to	to	PART
fsr-3428	159	36	use	use	VERB
fsr-3428	159	37	a	a	DET
fsr-3428	159	38	given	give	VERB
fsr-3428	159	39	payment	payment	NOUN
fsr-3428	159	40	method.8	method.8	PROPN
fsr-3428	159	41	assumptions	assumption	NOUN
fsr-3428	159	42	2	2	NUM
fsr-3428	159	43	,	,	PUNCT
fsr-3428	159	44	3	3	NUM
fsr-3428	159	45	,	,	PUNCT
fsr-3428	159	46	and	and	CCONJ
fsr-3428	159	47	4	4	NUM
fsr-3428	159	48	simplify	simplify	VERB
fsr-3428	159	49	the	the	DET
fsr-3428	159	50	consumption	consumption	NOUN
fsr-3428	159	51	choice	choice	NOUN
fsr-3428	159	52	made	make	VERB
fsr-3428	159	53	by	by	ADP
fsr-3428	159	54	consumers	consumer	NOUN
fsr-3428	159	55	.	.	PUNCT
fsr-3428	160	1	if	if	SCONJ
fsr-3428	160	2	consumers	consumer	NOUN
fsr-3428	160	3	do	do	AUX
fsr-3428	160	4	not	not	PART
fsr-3428	160	5	use	use	VERB
fsr-3428	160	6	credit	credit	NOUN
fsr-3428	160	7	cards	card	NOUN
fsr-3428	160	8	as	as	ADP
fsr-3428	160	9	a	a	DET
fsr-3428	160	10	source	source	NOUN
fsr-3428	160	11	of	of	ADP
fsr-3428	160	12	borrowing	borrowing	NOUN
fsr-3428	160	13	,	,	PUNCT
fsr-3428	160	14	are	be	AUX
fsr-3428	160	15	indifferent	indifferent	ADJ
fsr-3428	160	16	among	among	ADP
fsr-3428	160	17	payment	payment	NOUN
fsr-3428	160	18	options	option	NOUN
fsr-3428	160	19	,	,	PUNCT
fsr-3428	160	20	and	and	CCONJ
fsr-3428	160	21	can	can	AUX
fsr-3428	160	22	freely	freely	ADV
fsr-3428	160	23	choose	choose	VERB
fsr-3428	160	24	to	to	PART
fsr-3428	160	25	use	use	VERB
fsr-3428	160	26	any	any	DET
fsr-3428	160	27	credit	credit	NOUN
fsr-3428	160	28	card	card	NOUN
fsr-3428	160	29	,	,	PUNCT
fsr-3428	160	30	their	their	PRON
fsr-3428	160	31	payment	payment	NOUN
fsr-3428	160	32	choice	choice	NOUN
fsr-3428	160	33	will	will	AUX
fsr-3428	160	34	be	be	AUX
fsr-3428	160	35	based	base	VERB
fsr-3428	160	36	on	on	ADP
fsr-3428	160	37	the	the	DET
fsr-3428	160	38	incentives	incentive	NOUN
fsr-3428	160	39	(	(	PUNCT
fsr-3428	160	40	or	or	CCONJ
fsr-3428	160	41	lack	lack	NOUN
fsr-3428	160	42	-	-	PUNCT
fsr-3428	160	43	thereof	thereof	ADV
fsr-3428	160	44	)	)	PUNCT
fsr-3428	160	45	specific	specific	ADJ
fsr-3428	160	46	to	to	ADP
fsr-3428	160	47	a	a	DET
fsr-3428	160	48	given	give	VERB
fsr-3428	160	49	credit	credit	NOUN
fsr-3428	160	50	n.	n.	PROPN
fsr-3428	160	51	macdonald	macdonald	PROPN
fsr-3428	160	52	,	,	PUNCT
fsr-3428	160	53	b.	b.	PROPN
fsr-3428	160	54	evans	evans	PROPN
fsr-3428	160	55	/	/	SYM
fsr-3428	160	56	financial	financial	ADJ
fsr-3428	160	57	services	service	NOUN
fsr-3428	160	58	review	review	VERB
fsr-3428	160	59	28	28	NUM
fsr-3428	160	60	(	(	PUNCT
fsr-3428	160	61	2020	2020	NUM
fsr-3428	160	62	)	)	PUNCT
fsr-3428	161	1	223–242	223–242	NUM
fsr-3428	161	2	229	229	NUM
fsr-3428	161	3	card	card	NOUN
fsr-3428	161	4	.	.	PUNCT
fsr-3428	162	1	we	we	PRON
fsr-3428	162	2	assume	assume	VERB
fsr-3428	162	3	that	that	SCONJ
fsr-3428	162	4	rewards	reward	VERB
fsr-3428	162	5	cards	card	NOUN
fsr-3428	162	6	only	only	ADV
fsr-3428	162	7	offer	offer	VERB
fsr-3428	162	8	cash	cash	NOUN
fsr-3428	162	9	-	-	PUNCT
fsr-3428	162	10	back	back	NOUN
fsr-3428	162	11	rewards	reward	NOUN
fsr-3428	162	12	(	(	PUNCT
fsr-3428	162	13	assumption	assumption	NOUN
fsr-3428	162	14	5	5	NUM
fsr-3428	162	15	)	)	PUNCT
fsr-3428	162	16	,	,	PUNCT
fsr-3428	162	17	ignoring	ignore	VERB
fsr-3428	162	18	the	the	DET
fsr-3428	162	19	complex	complex	ADJ
fsr-3428	162	20	world	world	NOUN
fsr-3428	162	21	of	of	ADP
fsr-3428	162	22	travel	travel	NOUN
fsr-3428	162	23	rewards	reward	NOUN
fsr-3428	162	24	.	.	PUNCT
fsr-3428	163	1	because	because	SCONJ
fsr-3428	163	2	cash	cash	NOUN
fsr-3428	163	3	-	-	PUNCT
fsr-3428	163	4	back	back	NOUN
fsr-3428	163	5	is	be	AUX
fsr-3428	163	6	by	by	ADP
fsr-3428	163	7	far	far	ADV
fsr-3428	163	8	the	the	DET
fsr-3428	163	9	most	most	ADV
fsr-3428	163	10	common	common	ADJ
fsr-3428	163	11	rewards	reward	NOUN
fsr-3428	163	12	redemption	redemption	NOUN
fsr-3428	163	13	method	method	NOUN
fsr-3428	163	14	(	(	PUNCT
fsr-3428	163	15	tsys	tsys	NOUN
fsr-3428	163	16	,	,	PUNCT
fsr-3428	163	17	2018	2018	NUM
fsr-3428	163	18	,	,	PUNCT
fsr-3428	163	19	p.	p.	NOUN
fsr-3428	163	20	24	24	NUM
fsr-3428	163	21	)	)	PUNCT
fsr-3428	163	22	,	,	PUNCT
fsr-3428	163	23	this	this	DET
fsr-3428	163	24	assumption	assumption	NOUN
fsr-3428	163	25	effectively	effectively	ADV
fsr-3428	163	26	matches	match	VERB
fsr-3428	163	27	reality	reality	NOUN
fsr-3428	163	28	for	for	ADP
fsr-3428	163	29	many	many	ADJ
fsr-3428	163	30	consumers	consumer	NOUN
fsr-3428	163	31	.	.	PUNCT
fsr-3428	164	1	assumption	assumption	NOUN
fsr-3428	164	2	6	6	NUM
fsr-3428	164	3	provides	provide	VERB
fsr-3428	164	4	the	the	DET
fsr-3428	164	5	numerical	numerical	ADJ
fsr-3428	164	6	framework	framework	NOUN
fsr-3428	164	7	for	for	ADP
fsr-3428	164	8	our	our	PRON
fsr-3428	164	9	analyses	analysis	NOUN
fsr-3428	164	10	.	.	PUNCT
fsr-3428	165	1	consumer	consumer	NOUN
fsr-3428	165	2	surplus	surplus	NOUN
fsr-3428	165	3	,	,	PUNCT
fsr-3428	165	4	essentially	essentially	ADV
fsr-3428	165	5	,	,	PUNCT
fsr-3428	165	6	measures	measure	VERB
fsr-3428	165	7	the	the	DET
fsr-3428	165	8	value	value	NOUN
fsr-3428	165	9	of	of	ADP
fsr-3428	165	10	a	a	DET
fsr-3428	165	11	transaction	transaction	NOUN
fsr-3428	165	12	to	to	ADP
fsr-3428	165	13	a	a	DET
fsr-3428	165	14	consumer	consumer	NOUN
fsr-3428	165	15	.	.	PUNCT
fsr-3428	166	1	for	for	ADP
fsr-3428	166	2	example	example	NOUN
fsr-3428	166	3	,	,	PUNCT
fsr-3428	166	4	if	if	SCONJ
fsr-3428	166	5	a	a	DET
fsr-3428	166	6	consumer	consumer	NOUN
fsr-3428	166	7	is	be	AUX
fsr-3428	166	8	willing	willing	ADJ
fsr-3428	166	9	to	to	PART
fsr-3428	166	10	spend	spend	VERB
fsr-3428	166	11	$	$	SYM
fsr-3428	166	12	100	100	NUM
fsr-3428	166	13	for	for	ADP
fsr-3428	166	14	an	an	DET
fsr-3428	166	15	item	item	NOUN
fsr-3428	166	16	,	,	PUNCT
fsr-3428	166	17	but	but	CCONJ
fsr-3428	166	18	said	say	VERB
fsr-3428	166	19	item	item	NOUN
fsr-3428	166	20	only	only	ADV
fsr-3428	166	21	costs	cost	VERB
fsr-3428	166	22	$	$	SYM
fsr-3428	166	23	70	70	NUM
fsr-3428	166	24	,	,	PUNCT
fsr-3428	166	25	we	we	PRON
fsr-3428	166	26	can	can	AUX
fsr-3428	166	27	infer	infer	VERB
fsr-3428	166	28	that	that	SCONJ
fsr-3428	166	29	the	the	DET
fsr-3428	166	30	consumer	consumer	NOUN
fsr-3428	166	31	earned	earn	VERB
fsr-3428	166	32	$	$	SYM
fsr-3428	166	33	30	30	NUM
fsr-3428	166	34	worth	worth	NOUN
fsr-3428	166	35	of	of	ADP
fsr-3428	166	36	“	"	PUNCT
fsr-3428	166	37	consumer	consumer	NOUN
fsr-3428	166	38	surplus	surplus	NOUN
fsr-3428	166	39	”	"	PUNCT
fsr-3428	166	40	from	from	ADP
fsr-3428	166	41	the	the	DET
fsr-3428	166	42	transaction	transaction	NOUN
fsr-3428	166	43	.	.	PUNCT
fsr-3428	167	1	we	we	PRON
fsr-3428	167	2	assume	assume	VERB
fsr-3428	167	3	that	that	SCONJ
fsr-3428	167	4	consumer	consumer	NOUN
fsr-3428	167	5	utility	utility	NOUN
fsr-3428	167	6	is	be	AUX
fsr-3428	167	7	perfectly	perfectly	ADV
fsr-3428	167	8	represented	represent	VERB
fsr-3428	167	9	by	by	ADP
fsr-3428	167	10	consumer	consumer	NOUN
fsr-3428	167	11	surplus	surplus	NOUN
fsr-3428	167	12	and	and	CCONJ
fsr-3428	167	13	that	that	SCONJ
fsr-3428	167	14	consumers	consumer	NOUN
fsr-3428	167	15	all	all	PRON
fsr-3428	167	16	wish	wish	VERB
fsr-3428	167	17	to	to	PART
fsr-3428	167	18	maximize	maximize	VERB
fsr-3428	167	19	consumer	consumer	NOUN
fsr-3428	167	20	surplus	surplus	NOUN
fsr-3428	167	21	.	.	PUNCT
fsr-3428	168	1	credit	credit	NOUN
fsr-3428	168	2	cards	card	NOUN
fsr-3428	168	3	offer	offer	VERB
fsr-3428	168	4	consumers	consumer	NOUN
fsr-3428	168	5	the	the	DET
fsr-3428	168	6	benefit	benefit	NOUN
fsr-3428	168	7	of	of	ADP
fsr-3428	168	8	providing	provide	VERB
fsr-3428	168	9	a	a	DET
fsr-3428	168	10	“	"	PUNCT
fsr-3428	168	11	payment	payment	NOUN
fsr-3428	168	12	float	float	NOUN
fsr-3428	168	13	.	.	PUNCT
fsr-3428	168	14	”	"	PUNCT
fsr-3428	169	1	as	as	SCONJ
fsr-3428	169	2	fully	fully	ADV
fsr-3428	169	3	described	describe	VERB
fsr-3428	169	4	earlier	early	ADV
fsr-3428	169	5	in	in	ADP
fsr-3428	169	6	the	the	DET
fsr-3428	169	7	article	article	NOUN
fsr-3428	169	8	,	,	PUNCT
fsr-3428	169	9	one	one	PRON
fsr-3428	169	10	can	can	AUX
fsr-3428	169	11	defer	defer	VERB
fsr-3428	169	12	the	the	DET
fsr-3428	169	13	cash	cash	NOUN
fsr-3428	169	14	payment	payment	NOUN
fsr-3428	169	15	of	of	ADP
fsr-3428	169	16	an	an	DET
fsr-3428	169	17	item	item	NOUN
fsr-3428	169	18	into	into	ADP
fsr-3428	169	19	the	the	DET
fsr-3428	169	20	future	future	NOUN
fsr-3428	169	21	by	by	ADP
fsr-3428	169	22	using	use	VERB
fsr-3428	169	23	a	a	DET
fsr-3428	169	24	credit	credit	NOUN
fsr-3428	169	25	card	card	NOUN
fsr-3428	169	26	.	.	PUNCT
fsr-3428	170	1	considering	consider	VERB
fsr-3428	170	2	the	the	DET
fsr-3428	170	3	time	time	NOUN
fsr-3428	170	4	value	value	NOUN
fsr-3428	170	5	of	of	ADP
fsr-3428	170	6	a	a	DET
fsr-3428	170	7	money	money	NOUN
fsr-3428	170	8	,	,	PUNCT
fsr-3428	170	9	a	a	DET
fsr-3428	170	10	consumer	consumer	NOUN
fsr-3428	170	11	is	be	AUX
fsr-3428	170	12	likely	likely	ADJ
fsr-3428	170	13	to	to	PART
fsr-3428	170	14	gain	gain	VERB
fsr-3428	170	15	positive	positive	ADJ
fsr-3428	170	16	utility	utility	NOUN
fsr-3428	170	17	from	from	ADP
fsr-3428	170	18	taking	take	VERB
fsr-3428	170	19	advantage	advantage	NOUN
fsr-3428	170	20	of	of	ADP
fsr-3428	170	21	payment	payment	NOUN
fsr-3428	170	22	float	float	NOUN
fsr-3428	170	23	.	.	PUNCT
fsr-3428	171	1	this	this	PRON
fsr-3428	171	2	is	be	AUX
fsr-3428	171	3	not	not	PART
fsr-3428	171	4	the	the	DET
fsr-3428	171	5	only	only	ADJ
fsr-3428	171	6	time	time	NOUN
fsr-3428	171	7	-	-	PUNCT
fsr-3428	171	8	value	value	NOUN
fsr-3428	171	9	consideration	consideration	NOUN
fsr-3428	171	10	for	for	ADP
fsr-3428	171	11	credit	credit	NOUN
fsr-3428	171	12	cards	card	NOUN
fsr-3428	171	13	.	.	PUNCT
fsr-3428	172	1	credit	credit	NOUN
fsr-3428	172	2	card	card	NOUN
fsr-3428	172	3	rewards	reward	NOUN
fsr-3428	172	4	are	be	AUX
fsr-3428	172	5	often	often	ADV
fsr-3428	172	6	paid	pay	VERB
fsr-3428	172	7	in	in	ADP
fsr-3428	172	8	the	the	DET
fsr-3428	172	9	future	future	NOUN
fsr-3428	172	10	;	;	PUNCT
fsr-3428	172	11	that	that	PRON
fsr-3428	172	12	is	is	ADV
fsr-3428	172	13	,	,	PUNCT
fsr-3428	172	14	if	if	SCONJ
fsr-3428	172	15	an	an	DET
fsr-3428	172	16	individual	individual	NOUN
fsr-3428	172	17	earns	earn	VERB
fsr-3428	172	18	cash	cash	NOUN
fsr-3428	172	19	-	-	PUNCT
fsr-3428	172	20	back	back	NOUN
fsr-3428	172	21	from	from	ADP
fsr-3428	172	22	a	a	DET
fsr-3428	172	23	rewards	reward	NOUN
fsr-3428	172	24	card	card	NOUN
fsr-3428	172	25	,	,	PUNCT
fsr-3428	172	26	it	it	PRON
fsr-3428	172	27	may	may	AUX
fsr-3428	172	28	be	be	AUX
fsr-3428	172	29	weeks	week	NOUN
fsr-3428	172	30	before	before	SCONJ
fsr-3428	172	31	these	these	DET
fsr-3428	172	32	funds	fund	NOUN
fsr-3428	172	33	become	become	VERB
fsr-3428	172	34	available	available	ADJ
fsr-3428	172	35	to	to	ADP
fsr-3428	172	36	the	the	DET
fsr-3428	172	37	consumer	consumer	NOUN
fsr-3428	172	38	.	.	PUNCT
fsr-3428	173	1	to	to	PART
fsr-3428	173	2	simplify	simplify	VERB
fsr-3428	173	3	our	our	PRON
fsr-3428	173	4	analysis	analysis	NOUN
fsr-3428	173	5	,	,	PUNCT
fsr-3428	173	6	we	we	PRON
fsr-3428	173	7	include	include	VERB
fsr-3428	173	8	assumption	assumption	NOUN
fsr-3428	173	9	7	7	NUM
fsr-3428	173	10	,	,	PUNCT
fsr-3428	173	11	which	which	PRON
fsr-3428	173	12	states	state	VERB
fsr-3428	173	13	that	that	SCONJ
fsr-3428	173	14	consumers	consumer	NOUN
fsr-3428	173	15	have	have	VERB
fsr-3428	173	16	no	no	DET
fsr-3428	173	17	discount	discount	NOUN
fsr-3428	173	18	rate	rate	NOUN
fsr-3428	173	19	;	;	PUNCT
fsr-3428	173	20	thus	thus	ADV
fsr-3428	173	21	,	,	PUNCT
fsr-3428	173	22	they	they	PRON
fsr-3428	173	23	value	value	VERB
fsr-3428	173	24	money	money	NOUN
fsr-3428	173	25	equally	equally	ADV
fsr-3428	173	26	across	across	ADP
fsr-3428	173	27	all	all	DET
fsr-3428	173	28	time	time	NOUN
fsr-3428	173	29	periods	period	NOUN
fsr-3428	173	30	.	.	PUNCT
fsr-3428	174	1	finally	finally	ADV
fsr-3428	174	2	,	,	PUNCT
fsr-3428	174	3	assumption	assumption	NOUN
fsr-3428	174	4	8	8	NUM
fsr-3428	174	5	assumes	assume	VERB
fsr-3428	174	6	that	that	SCONJ
fsr-3428	174	7	consumers	consumer	NOUN
fsr-3428	174	8	possess	possess	VERB
fsr-3428	174	9	“	"	PUNCT
fsr-3428	174	10	normal	normal	ADJ
fsr-3428	174	11	”	"	PUNCT
fsr-3428	174	12	downward	downward	ADV
fsr-3428	174	13	-	-	PUNCT
fsr-3428	174	14	sloping	slope	VERB
fsr-3428	174	15	demand	demand	NOUN
fsr-3428	174	16	curves	curve	NOUN
fsr-3428	174	17	.	.	PUNCT
fsr-3428	175	1	this	this	DET
fsr-3428	175	2	assumption	assumption	NOUN
fsr-3428	175	3	allows	allow	VERB
fsr-3428	175	4	us	we	PRON
fsr-3428	175	5	to	to	PART
fsr-3428	175	6	apply	apply	VERB
fsr-3428	175	7	the	the	DET
fsr-3428	175	8	“	"	PUNCT
fsr-3428	175	9	law	law	NOUN
fsr-3428	175	10	of	of	ADP
fsr-3428	175	11	demand	demand	NOUN
fsr-3428	175	12	”	"	PUNCT
fsr-3428	175	13	in	in	ADP
fsr-3428	175	14	our	our	PRON
fsr-3428	175	15	analyses	analysis	NOUN
fsr-3428	175	16	—	—	PUNCT
fsr-3428	175	17	when	when	SCONJ
fsr-3428	175	18	prices	price	NOUN
fsr-3428	175	19	drop	drop	VERB
fsr-3428	175	20	,	,	PUNCT
fsr-3428	175	21	consumption	consumption	NOUN
fsr-3428	175	22	rises	rise	NOUN
fsr-3428	175	23	.	.	PUNCT
fsr-3428	176	1	collectively	collectively	ADV
fsr-3428	176	2	,	,	PUNCT
fsr-3428	176	3	these	these	DET
fsr-3428	176	4	assumptions	assumption	NOUN
fsr-3428	176	5	simplify	simplify	VERB
fsr-3428	176	6	our	our	PRON
fsr-3428	176	7	analysis	analysis	NOUN
fsr-3428	176	8	to	to	PART
fsr-3428	176	9	allow	allow	VERB
fsr-3428	176	10	for	for	ADP
fsr-3428	176	11	enhanced	enhanced	ADJ
fsr-3428	176	12	clarity	clarity	NOUN
fsr-3428	176	13	,	,	PUNCT
fsr-3428	176	14	but	but	CCONJ
fsr-3428	176	15	it	it	PRON
fsr-3428	176	16	is	be	AUX
fsr-3428	176	17	important	important	ADJ
fsr-3428	176	18	to	to	PART
fsr-3428	176	19	note	note	VERB
fsr-3428	176	20	that	that	SCONJ
fsr-3428	176	21	our	our	PRON
fsr-3428	176	22	assumptions	assumption	NOUN
fsr-3428	176	23	do	do	AUX
fsr-3428	176	24	not	not	PART
fsr-3428	176	25	necessarily	necessarily	ADV
fsr-3428	176	26	reflect	reflect	VERB
fsr-3428	176	27	reality	reality	NOUN
fsr-3428	176	28	.	.	PUNCT
fsr-3428	177	1	for	for	ADP
fsr-3428	177	2	example	example	NOUN
fsr-3428	177	3	,	,	PUNCT
fsr-3428	177	4	many	many	ADJ
fsr-3428	177	5	of	of	ADP
fsr-3428	177	6	the	the	DET
fsr-3428	177	7	most	most	ADV
fsr-3428	177	8	lucrative	lucrative	ADJ
fsr-3428	177	9	credit	credit	NOUN
fsr-3428	177	10	cards	card	NOUN
fsr-3428	177	11	enforce	enforce	VERB
fsr-3428	177	12	an	an	DET
fsr-3428	177	13	annual	annual	ADJ
fsr-3428	177	14	fee	fee	NOUN
fsr-3428	177	15	and	and	CCONJ
fsr-3428	177	16	offer	offer	VERB
fsr-3428	177	17	significant	significant	ADJ
fsr-3428	177	18	ancillary	ancillary	ADJ
fsr-3428	177	19	benefits	benefit	NOUN
fsr-3428	177	20	,	,	PUNCT
fsr-3428	177	21	such	such	ADJ
fsr-3428	177	22	as	as	ADP
fsr-3428	177	23	access	access	NOUN
fsr-3428	177	24	to	to	ADP
fsr-3428	177	25	airport	airport	NOUN
fsr-3428	177	26	lounges	lounge	NOUN
fsr-3428	177	27	.	.	PUNCT
fsr-3428	178	1	while	while	SCONJ
fsr-3428	178	2	such	such	ADJ
fsr-3428	178	3	complexities	complexity	NOUN
fsr-3428	178	4	stray	stray	VERB
fsr-3428	178	5	beyond	beyond	ADP
fsr-3428	178	6	the	the	DET
fsr-3428	178	7	scope	scope	NOUN
fsr-3428	178	8	of	of	ADP
fsr-3428	178	9	our	our	PRON
fsr-3428	178	10	current	current	ADJ
fsr-3428	178	11	research	research	NOUN
fsr-3428	178	12	,	,	PUNCT
fsr-3428	178	13	we	we	PRON
fsr-3428	178	14	hope	hope	VERB
fsr-3428	178	15	to	to	PART
fsr-3428	178	16	incorporate	incorporate	VERB
fsr-3428	178	17	these	these	DET
fsr-3428	178	18	concepts	concept	NOUN
fsr-3428	178	19	in	in	ADP
fsr-3428	178	20	future	future	ADJ
fsr-3428	178	21	endeavors	endeavor	NOUN
fsr-3428	178	22	.	.	PUNCT
fsr-3428	179	1	5.2	5.2	NUM
fsr-3428	179	2	.	.	PUNCT
fsr-3428	179	3	consumption	consumption	NOUN
fsr-3428	179	4	with	with	ADP
fsr-3428	179	5	a	a	DET
fsr-3428	179	6	simple	simple	ADJ
fsr-3428	179	7	cash	cash	NOUN
fsr-3428	179	8	-	-	PUNCT
fsr-3428	179	9	back	back	NOUN
fsr-3428	179	10	card	card	NOUN
fsr-3428	179	11	given	give	VERB
fsr-3428	179	12	the	the	DET
fsr-3428	179	13	assumptions	assumption	NOUN
fsr-3428	179	14	described	describe	VERB
fsr-3428	179	15	,	,	PUNCT
fsr-3428	179	16	we	we	PRON
fsr-3428	179	17	attempt	attempt	VERB
fsr-3428	179	18	to	to	PART
fsr-3428	179	19	model	model	VERB
fsr-3428	179	20	the	the	DET
fsr-3428	179	21	consumption	consumption	NOUN
fsr-3428	179	22	choices	choice	NOUN
fsr-3428	179	23	for	for	ADP
fsr-3428	179	24	several	several	ADJ
fsr-3428	179	25	consumers	consumer	NOUN
fsr-3428	179	26	that	that	PRON
fsr-3428	179	27	are	be	AUX
fsr-3428	179	28	choosing	choose	VERB
fsr-3428	179	29	between	between	ADP
fsr-3428	179	30	cash	cash	NOUN
fsr-3428	179	31	and	and	CCONJ
fsr-3428	179	32	a	a	DET
fsr-3428	179	33	cash	cash	NOUN
fsr-3428	179	34	-	-	PUNCT
fsr-3428	179	35	back	back	NOUN
fsr-3428	179	36	rewards	reward	VERB
fsr-3428	179	37	credit	credit	NOUN
fsr-3428	179	38	card	card	NOUN
fsr-3428	179	39	.	.	PUNCT
fsr-3428	180	1	we	we	PRON
fsr-3428	180	2	consider	consider	VERB
fsr-3428	180	3	two	two	NUM
fsr-3428	180	4	different	different	ADJ
fsr-3428	180	5	credit	credit	NOUN
fsr-3428	180	6	cards	card	NOUN
fsr-3428	180	7	.	.	PUNCT
fsr-3428	181	1	the	the	DET
fsr-3428	181	2	first	first	ADJ
fsr-3428	181	3	credit	credit	NOUN
fsr-3428	181	4	card	card	NOUN
fsr-3428	181	5	has	have	VERB
fsr-3428	181	6	a	a	DET
fsr-3428	181	7	simple	simple	ADJ
fsr-3428	181	8	cash	cash	NOUN
fsr-3428	181	9	-	-	PUNCT
fsr-3428	181	10	back	back	NOUN
fsr-3428	181	11	system	system	NOUN
fsr-3428	181	12	,	,	PUNCT
fsr-3428	181	13	where	where	SCONJ
fsr-3428	181	14	the	the	DET
fsr-3428	181	15	consumer	consumer	NOUN
fsr-3428	181	16	earns	earn	VERB
fsr-3428	181	17	a	a	DET
fsr-3428	181	18	flat	flat	ADJ
fsr-3428	181	19	two	two	NUM
fsr-3428	181	20	percent	percent	NOUN
fsr-3428	181	21	cash	cash	NOUN
fsr-3428	181	22	-	-	PUNCT
fsr-3428	181	23	back	back	NOUN
fsr-3428	181	24	on	on	ADP
fsr-3428	181	25	all	all	DET
fsr-3428	181	26	purchases	purchase	NOUN
fsr-3428	181	27	.	.	PUNCT
fsr-3428	182	1	the	the	DET
fsr-3428	182	2	second	second	ADJ
fsr-3428	182	3	card	card	NOUN
fsr-3428	182	4	includes	include	VERB
fsr-3428	182	5	both	both	PRON
fsr-3428	182	6	an	an	DET
fsr-3428	182	7	msb	msb	PROPN
fsr-3428	182	8	and	and	CCONJ
fsr-3428	182	9	a	a	DET
fsr-3428	182	10	cash	cash	NOUN
fsr-3428	182	11	-	-	PUNCT
fsr-3428	182	12	back	back	NOUN
fsr-3428	182	13	component	component	NOUN
fsr-3428	182	14	.	.	PUNCT
fsr-3428	183	1	given	give	VERB
fsr-3428	183	2	that	that	PRON
fsr-3428	183	3	rational	rational	ADJ
fsr-3428	183	4	consumers	consumer	NOUN
fsr-3428	183	5	consider	consider	VERB
fsr-3428	183	6	relevant	relevant	ADJ
fsr-3428	183	7	marginal	marginal	ADJ
fsr-3428	183	8	benefits	benefit	NOUN
fsr-3428	183	9	and	and	CCONJ
fsr-3428	183	10	costs	cost	NOUN
fsr-3428	183	11	when	when	SCONJ
fsr-3428	183	12	determining	determine	VERB
fsr-3428	183	13	their	their	PRON
fsr-3428	183	14	consumption	consumption	NOUN
fsr-3428	183	15	levels	level	NOUN
fsr-3428	183	16	,	,	PUNCT
fsr-3428	183	17	we	we	PRON
fsr-3428	183	18	attempt	attempt	VERB
fsr-3428	183	19	to	to	PART
fsr-3428	183	20	determine	determine	VERB
fsr-3428	183	21	the	the	DET
fsr-3428	183	22	efficient	efficient	ADJ
fsr-3428	183	23	consumption	consumption	NOUN
fsr-3428	183	24	choice	choice	NOUN
fsr-3428	183	25	for	for	ADP
fsr-3428	183	26	representative	representative	ADJ
fsr-3428	183	27	consumers	consumer	NOUN
fsr-3428	183	28	.	.	PUNCT
fsr-3428	184	1	fig	fig	NOUN
fsr-3428	184	2	.	.	PUNCT
fsr-3428	185	1	1	1	NUM
fsr-3428	185	2	models	model	NOUN
fsr-3428	185	3	a	a	DET
fsr-3428	185	4	consumer	consumer	NOUN
fsr-3428	185	5	choosing	choosing	NOUN
fsr-3428	185	6	between	between	ADP
fsr-3428	185	7	consumption	consumption	NOUN
fsr-3428	185	8	with	with	ADP
fsr-3428	185	9	cash	cash	NOUN
fsr-3428	185	10	or	or	CCONJ
fsr-3428	185	11	a	a	DET
fsr-3428	185	12	simple	simple	ADJ
fsr-3428	185	13	cashback	cashback	NOUN
fsr-3428	185	14	rewards	reward	VERB
fsr-3428	185	15	credit	credit	NOUN
fsr-3428	185	16	card	card	NOUN
fsr-3428	185	17	.	.	PUNCT
fsr-3428	186	1	for	for	ADP
fsr-3428	186	2	our	our	PRON
fsr-3428	186	3	purposes	purpose	NOUN
fsr-3428	186	4	,	,	PUNCT
fsr-3428	186	5	we	we	PRON
fsr-3428	186	6	use	use	VERB
fsr-3428	186	7	the	the	DET
fsr-3428	186	8	citi	citi	NOUN
fsr-3428	186	9	double	double	ADJ
fsr-3428	186	10	cash	cash	NOUN
fsr-3428	186	11	card	card	NOUN
fsr-3428	186	12	,	,	PUNCT
fsr-3428	186	13	which	which	PRON
fsr-3428	186	14	offers	offer	VERB
fsr-3428	186	15	consumers	consumer	NOUN
fsr-3428	186	16	a	a	DET
fsr-3428	186	17	flat	flat	ADJ
fsr-3428	186	18	two	two	NUM
fsr-3428	186	19	percent	percent	NOUN
fsr-3428	186	20	cash	cash	NOUN
fsr-3428	186	21	-	-	PUNCT
fsr-3428	186	22	back	back	NOUN
fsr-3428	186	23	on	on	ADP
fsr-3428	186	24	all	all	DET
fsr-3428	186	25	purchases	purchase	NOUN
fsr-3428	186	26	.	.	PUNCT
fsr-3428	187	1	this	this	DET
fsr-3428	187	2	card	card	NOUN
fsr-3428	187	3	is	be	AUX
fsr-3428	187	4	ideal	ideal	ADJ
fsr-3428	187	5	for	for	ADP
fsr-3428	187	6	our	our	PRON
fsr-3428	187	7	analyses	analysis	NOUN
fsr-3428	187	8	because	because	SCONJ
fsr-3428	187	9	of	of	ADP
fsr-3428	187	10	the	the	DET
fsr-3428	187	11	simplicity	simplicity	NOUN
fsr-3428	187	12	of	of	ADP
fsr-3428	187	13	its	its	PRON
fsr-3428	187	14	rewards	reward	NOUN
fsr-3428	187	15	program	program	NOUN
fsr-3428	187	16	and	and	CCONJ
fsr-3428	187	17	its	its	PRON
fsr-3428	187	18	lack	lack	NOUN
fsr-3428	187	19	of	of	ADP
fsr-3428	187	20	an	an	DET
fsr-3428	187	21	annual	annual	ADJ
fsr-3428	187	22	fee	fee	NOUN
fsr-3428	187	23	,	,	PUNCT
fsr-3428	187	24	consistent	consistent	ADJ
fsr-3428	187	25	with	with	ADP
fsr-3428	187	26	assumption	assumption	NOUN
fsr-3428	187	27	4	4	NUM
fsr-3428	187	28	.	.	PUNCT
fsr-3428	188	1	in	in	ADP
fsr-3428	188	2	the	the	DET
fsr-3428	188	3	absence	absence	NOUN
fsr-3428	188	4	of	of	ADP
fsr-3428	188	5	credit	credit	NOUN
fsr-3428	188	6	card	card	NOUN
fsr-3428	188	7	rewards	reward	NOUN
fsr-3428	188	8	,	,	PUNCT
fsr-3428	188	9	the	the	DET
fsr-3428	188	10	marginal	marginal	ADJ
fsr-3428	188	11	cost	cost	NOUN
fsr-3428	188	12	(	(	PUNCT
fsr-3428	188	13	mc	mc	NOUN
fsr-3428	188	14	)	)	PUNCT
fsr-3428	188	15	of	of	ADP
fsr-3428	188	16	$	$	SYM
fsr-3428	188	17	1	1	NUM
fsr-3428	188	18	of	of	ADP
fsr-3428	188	19	goods	good	NOUN
fsr-3428	188	20	purchased	purchase	VERB
fsr-3428	188	21	remains	remain	VERB
fsr-3428	188	22	constant	constant	ADJ
fsr-3428	188	23	at	at	ADP
fsr-3428	188	24	$	$	SYM
fsr-3428	188	25	1	1	NUM
fsr-3428	188	26	,	,	PUNCT
fsr-3428	188	27	as	as	SCONJ
fsr-3428	188	28	shown	show	VERB
fsr-3428	188	29	by	by	ADP
fsr-3428	188	30	the	the	DET
fsr-3428	188	31	“	"	PUNCT
fsr-3428	188	32	marginal	marginal	ADJ
fsr-3428	188	33	cost	cost	NOUN
fsr-3428	188	34	w/o	w/o	ADP
fsr-3428	188	35	cc	cc	NOUN
fsr-3428	188	36	”	"	PUNCT
fsr-3428	188	37	curve	curve	NOUN
fsr-3428	188	38	.	.	PUNCT
fsr-3428	189	1	for	for	ADP
fsr-3428	189	2	this	this	DET
fsr-3428	189	3	consumer	consumer	NOUN
fsr-3428	189	4	,	,	PUNCT
fsr-3428	189	5	buying	buy	VERB
fsr-3428	189	6	items	item	NOUN
fsr-3428	189	7	that	that	PRON
fsr-3428	189	8	amount	amount	VERB
fsr-3428	189	9	to	to	ADP
fsr-3428	189	10	$	$	SYM
fsr-3428	189	11	1,000	1,000	NUM
fsr-3428	189	12	in	in	ADP
fsr-3428	189	13	“	"	PUNCT
fsr-3428	189	14	gross	gross	ADJ
fsr-3428	189	15	expenditure	expenditure	NOUN
fsr-3428	189	16	”	"	PUNCT
fsr-3428	189	17	will	will	AUX
fsr-3428	189	18	cost	cost	VERB
fsr-3428	189	19	230	230	NUM
fsr-3428	189	20	n.	n.	PROPN
fsr-3428	189	21	macdonald	macdonald	PROPN
fsr-3428	189	22	,	,	PUNCT
fsr-3428	189	23	b.	b.	PROPN
fsr-3428	189	24	evans	evans	PROPN
fsr-3428	189	25	/	/	SYM
fsr-3428	189	26	financial	financial	ADJ
fsr-3428	189	27	services	service	NOUN
fsr-3428	189	28	review	review	VERB
fsr-3428	189	29	28	28	NUM
fsr-3428	189	30	(	(	PUNCT
fsr-3428	189	31	2020	2020	NUM
fsr-3428	189	32	)	)	PUNCT
fsr-3428	190	1	223–242	223–242	NUM
fsr-3428	190	2	exactly	exactly	ADV
fsr-3428	190	3	$	$	SYM
fsr-3428	190	4	1,000	1,000	NUM
fsr-3428	190	5	,	,	PUNCT
fsr-3428	190	6	ignoring	ignore	VERB
fsr-3428	190	7	sales	sale	NOUN
fsr-3428	190	8	tax.9	tax.9	PROPN
fsr-3428	190	9	in	in	ADP
fsr-3428	190	10	our	our	PRON
fsr-3428	190	11	model	model	NOUN
fsr-3428	190	12	,	,	PUNCT
fsr-3428	190	13	the	the	DET
fsr-3428	190	14	marginal	marginal	ADJ
fsr-3428	190	15	benefit	benefit	NOUN
fsr-3428	190	16	(	(	PUNCT
fsr-3428	190	17	mb	mb	NOUN
fsr-3428	190	18	)	)	PUNCT
fsr-3428	190	19	gained	gain	VERB
fsr-3428	190	20	from	from	ADP
fsr-3428	190	21	each	each	DET
fsr-3428	190	22	additional	additional	ADJ
fsr-3428	190	23	unit	unit	NOUN
fsr-3428	190	24	of	of	ADP
fsr-3428	190	25	goods	good	NOUN
fsr-3428	190	26	as	as	SCONJ
fsr-3428	190	27	measured	measure	VERB
fsr-3428	190	28	by	by	ADP
fsr-3428	190	29	gross	gross	ADJ
fsr-3428	190	30	expenditure	expenditure	NOUN
fsr-3428	190	31	diminishes	diminish	VERB
fsr-3428	190	32	as	as	ADP
fsr-3428	190	33	consumption	consumption	NOUN
fsr-3428	190	34	increases	increase	NOUN
fsr-3428	190	35	.	.	PUNCT
fsr-3428	191	1	this	this	PRON
fsr-3428	191	2	is	be	AUX
fsr-3428	191	3	consistent	consistent	ADJ
fsr-3428	191	4	with	with	ADP
fsr-3428	191	5	the	the	DET
fsr-3428	191	6	law	law	NOUN
fsr-3428	191	7	of	of	ADP
fsr-3428	191	8	diminishing	diminish	VERB
fsr-3428	191	9	marginal	marginal	ADJ
fsr-3428	191	10	utility	utility	NOUN
fsr-3428	191	11	.	.	PUNCT
fsr-3428	192	1	marginal	marginal	ADJ
fsr-3428	192	2	benefit	benefit	NOUN
fsr-3428	192	3	is	be	AUX
fsr-3428	192	4	represented	represent	VERB
fsr-3428	192	5	by	by	ADP
fsr-3428	192	6	the	the	DET
fsr-3428	192	7	demand	demand	NOUN
fsr-3428	192	8	curve	curve	NOUN
fsr-3428	192	9	.	.	PUNCT
fsr-3428	193	1	given	give	VERB
fsr-3428	193	2	a	a	DET
fsr-3428	193	3	consumer	consumer	NOUN
fsr-3428	193	4	’s	’s	NOUN
fsr-3428	193	5	mb	mb	NOUN
fsr-3428	193	6	and	and	CCONJ
fsr-3428	193	7	mc	mc	PROPN
fsr-3428	193	8	curves	curve	NOUN
fsr-3428	193	9	,	,	PUNCT
fsr-3428	193	10	there	there	PRON
fsr-3428	193	11	is	be	VERB
fsr-3428	193	12	some	some	DET
fsr-3428	193	13	optimal	optimal	ADJ
fsr-3428	193	14	consumption	consumption	NOUN
fsr-3428	193	15	quantity	quantity	NOUN
fsr-3428	193	16	,	,	PUNCT
fsr-3428	193	17	c0	c0	PROPN
fsr-3428	193	18	,	,	PUNCT
fsr-3428	193	19	such	such	ADJ
fsr-3428	193	20	that	that	SCONJ
fsr-3428	193	21	mb	mb	PROPN
fsr-3428	193	22	=	=	PROPN
fsr-3428	193	23	mc	mc	PROPN
fsr-3428	193	24	.	.	PROPN
fsr-3428	194	1	at	at	ADP
fsr-3428	194	2	this	this	DET
fsr-3428	194	3	level	level	NOUN
fsr-3428	194	4	of	of	ADP
fsr-3428	194	5	consumption	consumption	NOUN
fsr-3428	194	6	,	,	PUNCT
fsr-3428	194	7	the	the	DET
fsr-3428	194	8	consumer	consumer	NOUN
fsr-3428	194	9	has	have	AUX
fsr-3428	194	10	consumed	consume	VERB
fsr-3428	194	11	all	all	DET
fsr-3428	194	12	goods	good	NOUN
fsr-3428	194	13	for	for	ADP
fsr-3428	194	14	which	which	PRON
fsr-3428	194	15	the	the	DET
fsr-3428	194	16	mb	mb	PROPN
fsr-3428	194	17	≥	≥	PROPN
fsr-3428	194	18	mc	mc	PROPN
fsr-3428	194	19	and	and	CCONJ
fsr-3428	194	20	is	be	AUX
fsr-3428	194	21	not	not	PART
fsr-3428	194	22	consuming	consume	VERB
fsr-3428	194	23	any	any	DET
fsr-3428	194	24	goods	good	NOUN
fsr-3428	194	25	in	in	ADP
fsr-3428	194	26	which	which	PRON
fsr-3428	194	27	the	the	DET
fsr-3428	194	28	mb	mb	PROPN
fsr-3428	194	29	<	<	X
fsr-3428	194	30	mc	mc	PROPN
fsr-3428	194	31	;	;	PUNCT
fsr-3428	194	32	the	the	DET
fsr-3428	194	33	consumer	consumer	NOUN
fsr-3428	194	34	has	have	AUX
fsr-3428	194	35	maximized	maximize	VERB
fsr-3428	194	36	utility	utility	NOUN
fsr-3428	194	37	.	.	PUNCT
fsr-3428	195	1	area	area	NOUN
fsr-3428	195	2	“	"	PUNCT
fsr-3428	195	3	a	a	PRON
fsr-3428	195	4	”	"	PUNCT
fsr-3428	195	5	represents	represent	VERB
fsr-3428	195	6	the	the	DET
fsr-3428	195	7	consumer	consumer	NOUN
fsr-3428	195	8	surplus	surplus	NOUN
fsr-3428	195	9	earned	earn	VERB
fsr-3428	195	10	by	by	ADP
fsr-3428	195	11	this	this	DET
fsr-3428	195	12	consumer	consumer	NOUN
fsr-3428	195	13	.	.	PUNCT
fsr-3428	196	1	the	the	DET
fsr-3428	196	2	cost	cost	NOUN
fsr-3428	196	3	structure	structure	NOUN
fsr-3428	196	4	described	describe	VERB
fsr-3428	196	5	above	above	ADP
fsr-3428	196	6	changes	change	NOUN
fsr-3428	196	7	with	with	ADP
fsr-3428	196	8	the	the	DET
fsr-3428	196	9	advent	advent	NOUN
fsr-3428	196	10	of	of	ADP
fsr-3428	196	11	cash	cash	NOUN
fsr-3428	196	12	-	-	PUNCT
fsr-3428	196	13	back	back	NOUN
fsr-3428	196	14	credit	credit	NOUN
fsr-3428	196	15	cards	card	NOUN
fsr-3428	196	16	.	.	PUNCT
fsr-3428	197	1	as	as	ADP
fsr-3428	197	2	a	a	DET
fsr-3428	197	3	result	result	NOUN
fsr-3428	197	4	of	of	ADP
fsr-3428	197	5	the	the	DET
fsr-3428	197	6	two	two	NUM
fsr-3428	197	7	percent	percent	NOUN
fsr-3428	197	8	cash	cash	NOUN
fsr-3428	197	9	-	-	PUNCT
fsr-3428	197	10	back	back	NOUN
fsr-3428	197	11	reward	reward	NOUN
fsr-3428	197	12	,	,	PUNCT
fsr-3428	197	13	the	the	DET
fsr-3428	197	14	marginal	marginal	ADJ
fsr-3428	197	15	cost	cost	NOUN
fsr-3428	197	16	of	of	ADP
fsr-3428	197	17	$	$	SYM
fsr-3428	197	18	1	1	NUM
fsr-3428	197	19	of	of	ADP
fsr-3428	197	20	goods	good	NOUN
fsr-3428	197	21	reduces	reduce	VERB
fsr-3428	197	22	to	to	ADP
fsr-3428	197	23	an	an	DET
fsr-3428	197	24	“	"	PUNCT
fsr-3428	197	25	effective	effective	ADJ
fsr-3428	197	26	cost	cost	NOUN
fsr-3428	197	27	”	"	PUNCT
fsr-3428	197	28	of	of	ADP
fsr-3428	197	29	$	$	SYM
fsr-3428	197	30	0.98	0.98	NUM
fsr-3428	197	31	.	.	PUNCT
fsr-3428	198	1	because	because	SCONJ
fsr-3428	198	2	the	the	DET
fsr-3428	198	3	marginal	marginal	ADJ
fsr-3428	198	4	cost	cost	NOUN
fsr-3428	198	5	of	of	ADP
fsr-3428	198	6	$	$	SYM
fsr-3428	198	7	1	1	NUM
fsr-3428	198	8	of	of	ADP
fsr-3428	198	9	goods	good	NOUN
fsr-3428	198	10	purchased	purchase	VERB
fsr-3428	198	11	decreases	decrease	NOUN
fsr-3428	198	12	,	,	PUNCT
fsr-3428	198	13	the	the	DET
fsr-3428	198	14	optimal	optimal	ADJ
fsr-3428	198	15	quantity	quantity	NOUN
fsr-3428	198	16	consumed	consume	VERB
fsr-3428	198	17	also	also	ADV
fsr-3428	198	18	increases	increase	VERB
fsr-3428	198	19	from	from	ADP
fsr-3428	198	20	c0	c0	PROPN
fsr-3428	198	21	to	to	ADP
fsr-3428	198	22	c1	c1	PROPN
fsr-3428	198	23	.	.	PUNCT
fsr-3428	199	1	this	this	PRON
fsr-3428	199	2	results	result	VERB
fsr-3428	199	3	in	in	ADP
fsr-3428	199	4	changes	change	NOUN
fsr-3428	199	5	to	to	ADP
fsr-3428	199	6	consumer	consumer	NOUN
fsr-3428	199	7	surplus	surplus	NOUN
fsr-3428	199	8	as	as	ADV
fsr-3428	199	9	well	well	ADV
fsr-3428	199	10	.	.	PUNCT
fsr-3428	200	1	consumer	consumer	NOUN
fsr-3428	200	2	surplus	surplus	NOUN
fsr-3428	200	3	increases	increase	VERB
fsr-3428	200	4	to	to	PART
fsr-3428	200	5	include	include	VERB
fsr-3428	200	6	areas	area	NOUN
fsr-3428	200	7	“	"	PUNCT
fsr-3428	200	8	b	b	NOUN
fsr-3428	200	9	”	"	PUNCT
fsr-3428	200	10	and	and	CCONJ
fsr-3428	200	11	“	"	PUNCT
fsr-3428	200	12	c	c	X
fsr-3428	200	13	”	"	PUNCT
fsr-3428	200	14	;	;	PUNCT
fsr-3428	200	15	each	each	PRON
fsr-3428	200	16	of	of	ADP
fsr-3428	200	17	these	these	DET
fsr-3428	200	18	areas	area	NOUN
fsr-3428	200	19	has	have	VERB
fsr-3428	200	20	its	its	PRON
fsr-3428	200	21	own	own	ADJ
fsr-3428	200	22	unique	unique	ADJ
fsr-3428	200	23	interpretation	interpretation	NOUN
fsr-3428	200	24	.	.	PUNCT
fsr-3428	201	1	area	area	NOUN
fsr-3428	201	2	b	b	PROPN
fsr-3428	201	3	results	result	VERB
fsr-3428	201	4	from	from	ADP
fsr-3428	201	5	the	the	DET
fsr-3428	201	6	items	item	NOUN
fsr-3428	201	7	that	that	PRON
fsr-3428	201	8	the	the	DET
fsr-3428	201	9	consumer	consumer	NOUN
fsr-3428	201	10	would	would	AUX
fsr-3428	201	11	purchase	purchase	VERB
fsr-3428	201	12	with	with	ADP
fsr-3428	201	13	cash	cash	NOUN
fsr-3428	201	14	or	or	CCONJ
fsr-3428	201	15	with	with	ADP
fsr-3428	201	16	the	the	DET
fsr-3428	201	17	two	two	NUM
fsr-3428	201	18	percent	percent	NOUN
fsr-3428	201	19	cash	cash	NOUN
fsr-3428	201	20	-	-	PUNCT
fsr-3428	201	21	back	back	NOUN
fsr-3428	201	22	credit	credit	NOUN
fsr-3428	201	23	card	card	NOUN
fsr-3428	201	24	.	.	PUNCT
fsr-3428	202	1	however	however	ADV
fsr-3428	202	2	,	,	PUNCT
fsr-3428	202	3	with	with	ADP
fsr-3428	202	4	the	the	DET
fsr-3428	202	5	card	card	NOUN
fsr-3428	202	6	,	,	PUNCT
fsr-3428	202	7	she	she	PRON
fsr-3428	202	8	effectively	effectively	ADV
fsr-3428	202	9	reduces	reduce	VERB
fsr-3428	202	10	the	the	DET
fsr-3428	202	11	marginal	marginal	ADJ
fsr-3428	202	12	cost	cost	NOUN
fsr-3428	202	13	from	from	ADP
fsr-3428	202	14	$	$	SYM
fsr-3428	202	15	1.00	1.00	NUM
fsr-3428	202	16	to	to	PART
fsr-3428	202	17	$	$	SYM
fsr-3428	202	18	0.98	0.98	NUM
fsr-3428	202	19	for	for	ADP
fsr-3428	202	20	each	each	DET
fsr-3428	202	21	dollar	dollar	NOUN
fsr-3428	202	22	of	of	ADP
fsr-3428	202	23	“	"	PUNCT
fsr-3428	202	24	gross	gross	ADJ
fsr-3428	202	25	expenditure	expenditure	NOUN
fsr-3428	202	26	.	.	PUNCT
fsr-3428	202	27	”	"	PUNCT
fsr-3428	203	1	while	while	SCONJ
fsr-3428	203	2	area	area	NOUN
fsr-3428	203	3	b	b	PROPN
fsr-3428	203	4	indicates	indicate	VERB
fsr-3428	203	5	a	a	DET
fsr-3428	203	6	utility	utility	NOUN
fsr-3428	203	7	-	-	PUNCT
fsr-3428	203	8	improvement	improvement	NOUN
fsr-3428	203	9	for	for	ADP
fsr-3428	203	10	the	the	DET
fsr-3428	203	11	consumer	consumer	NOUN
fsr-3428	203	12	,	,	PUNCT
fsr-3428	203	13	it	it	PRON
fsr-3428	203	14	is	be	AUX
fsr-3428	203	15	not	not	PART
fsr-3428	203	16	a	a	DET
fsr-3428	203	17	result	result	NOUN
fsr-3428	203	18	of	of	ADP
fsr-3428	203	19	the	the	DET
fsr-3428	203	20	consumer	consumer	NOUN
fsr-3428	203	21	changing	change	VERB
fsr-3428	203	22	behavior	behavior	NOUN
fsr-3428	203	23	;	;	PUNCT
fsr-3428	203	24	she	she	PRON
fsr-3428	203	25	is	be	AUX
fsr-3428	203	26	merely	merely	ADV
fsr-3428	203	27	enjoying	enjoy	VERB
fsr-3428	203	28	a	a	DET
fsr-3428	203	29	cost	cost	NOUN
fsr-3428	203	30	reduction	reduction	NOUN
fsr-3428	203	31	.	.	PUNCT
fsr-3428	204	1	on	on	ADP
fsr-3428	204	2	the	the	DET
fsr-3428	204	3	contrary	contrary	NOUN
fsr-3428	204	4	,	,	PUNCT
fsr-3428	204	5	area	area	NOUN
fsr-3428	204	6	c	c	PROPN
fsr-3428	204	7	is	be	AUX
fsr-3428	204	8	a	a	DET
fsr-3428	204	9	result	result	NOUN
fsr-3428	204	10	of	of	ADP
fsr-3428	204	11	the	the	DET
fsr-3428	204	12	new	new	ADJ
fsr-3428	204	13	consumption	consumption	NOUN
fsr-3428	204	14	that	that	PRON
fsr-3428	204	15	a	a	DET
fsr-3428	204	16	consumer	consumer	NOUN
fsr-3428	204	17	chooses	choose	VERB
fsr-3428	204	18	to	to	PART
fsr-3428	204	19	make	make	VERB
fsr-3428	204	20	since	since	SCONJ
fsr-3428	204	21	all	all	DET
fsr-3428	204	22	items	item	NOUN
fsr-3428	204	23	are	be	AUX
fsr-3428	204	24	now	now	ADV
fsr-3428	204	25	,	,	PUNCT
fsr-3428	204	26	effectively	effectively	ADV
fsr-3428	204	27	,	,	PUNCT
fsr-3428	204	28	two	two	NUM
fsr-3428	204	29	percent	percent	NOUN
fsr-3428	204	30	cheaper	cheap	ADJ
fsr-3428	204	31	.	.	PUNCT
fsr-3428	205	1	the	the	DET
fsr-3428	205	2	benefit	benefit	NOUN
fsr-3428	205	3	received	receive	VERB
fsr-3428	205	4	(	(	PUNCT
fsr-3428	205	5	area	area	NOUN
fsr-3428	205	6	c	c	NOUN
fsr-3428	205	7	)	)	PUNCT
fsr-3428	205	8	is	be	AUX
fsr-3428	205	9	determined	determine	VERB
fsr-3428	205	10	by	by	ADP
fsr-3428	205	11	consumers	consumer	NOUN
fsr-3428	205	12	’	'	PUNCT
fsr-3428	205	13	price	price	NOUN
fsr-3428	205	14	elasticity	elasticity	NOUN
fsr-3428	205	15	of	of	ADP
fsr-3428	205	16	demand	demand	NOUN
fsr-3428	205	17	.	.	PUNCT
fsr-3428	206	1	consumers	consumer	NOUN
fsr-3428	206	2	with	with	ADP
fsr-3428	206	3	more	more	ADJ
fsr-3428	206	4	elastic	elastic	ADJ
fsr-3428	206	5	demand	demand	NOUN
fsr-3428	206	6	curves	curve	NOUN
fsr-3428	206	7	are	be	AUX
fsr-3428	206	8	more	more	ADV
fsr-3428	206	9	responsive	responsive	ADJ
fsr-3428	206	10	to	to	ADP
fsr-3428	206	11	price	price	NOUN
fsr-3428	206	12	changes	change	NOUN
fsr-3428	206	13	,	,	PUNCT
fsr-3428	206	14	and	and	CCONJ
fsr-3428	206	15	are	be	AUX
fsr-3428	206	16	also	also	ADV
fsr-3428	206	17	very	very	ADV
fsr-3428	206	18	responsive	responsive	ADJ
fsr-3428	206	19	to	to	ADP
fsr-3428	206	20	credit	credit	NOUN
fsr-3428	206	21	card	card	NOUN
fsr-3428	206	22	rewards	reward	NOUN
fsr-3428	206	23	,	,	PUNCT
fsr-3428	206	24	which	which	PRON
fsr-3428	206	25	effectively	effectively	ADV
fsr-3428	206	26	lowers	lower	VERB
fsr-3428	206	27	the	the	DET
fsr-3428	206	28	price	price	NOUN
fsr-3428	206	29	of	of	ADP
fsr-3428	206	30	consumption	consumption	NOUN
fsr-3428	206	31	.	.	PUNCT
fsr-3428	207	1	fig	fig	NOUN
fsr-3428	207	2	.	.	PUNCT
fsr-3428	208	1	1	1	X
fsr-3428	208	2	.	.	X
fsr-3428	208	3	consumption	consumption	NOUN
fsr-3428	208	4	using	use	VERB
fsr-3428	208	5	a	a	DET
fsr-3428	208	6	simple	simple	ADJ
fsr-3428	208	7	cash	cash	NOUN
fsr-3428	208	8	-	-	PUNCT
fsr-3428	208	9	back	back	NOUN
fsr-3428	208	10	credit	credit	NOUN
fsr-3428	208	11	card	card	NOUN
fsr-3428	208	12	.	.	PUNCT
fsr-3428	209	1	n.	n.	PROPN
fsr-3428	209	2	macdonald	macdonald	PROPN
fsr-3428	209	3	,	,	PUNCT
fsr-3428	209	4	b.	b.	PROPN
fsr-3428	209	5	evans	evans	PROPN
fsr-3428	209	6	/	/	SYM
fsr-3428	209	7	financial	financial	ADJ
fsr-3428	209	8	services	service	NOUN
fsr-3428	209	9	review	review	VERB
fsr-3428	209	10	28	28	NUM
fsr-3428	209	11	(	(	PUNCT
fsr-3428	209	12	2020	2020	NUM
fsr-3428	209	13	)	)	PUNCT
fsr-3428	210	1	223–242	223–242	NUM
fsr-3428	210	2	231	231	NUM
fsr-3428	210	3	to	to	PART
fsr-3428	210	4	further	far	ADV
fsr-3428	210	5	explore	explore	VERB
fsr-3428	210	6	the	the	DET
fsr-3428	210	7	changes	change	NOUN
fsr-3428	210	8	in	in	ADP
fsr-3428	210	9	consumption	consumption	NOUN
fsr-3428	210	10	made	make	VERB
fsr-3428	210	11	by	by	ADP
fsr-3428	210	12	a	a	DET
fsr-3428	210	13	consumer	consumer	NOUN
fsr-3428	210	14	,	,	PUNCT
fsr-3428	210	15	let	let	VERB
fsr-3428	210	16	’s	’s	PRON
fsr-3428	210	17	consider	consider	VERB
fsr-3428	210	18	three	three	NUM
fsr-3428	210	19	representative	representative	ADJ
fsr-3428	210	20	cases	case	NOUN
fsr-3428	210	21	.	.	PUNCT
fsr-3428	211	1	each	each	PRON
fsr-3428	211	2	of	of	ADP
fsr-3428	211	3	these	these	DET
fsr-3428	211	4	cases	case	NOUN
fsr-3428	211	5	considers	consider	VERB
fsr-3428	211	6	how	how	SCONJ
fsr-3428	211	7	consumer	consumer	NOUN
fsr-3428	211	8	spending	spending	NOUN
fsr-3428	211	9	would	would	AUX
fsr-3428	211	10	change	change	VERB
fsr-3428	211	11	as	as	ADP
fsr-3428	211	12	a	a	DET
fsr-3428	211	13	result	result	NOUN
fsr-3428	211	14	of	of	ADP
fsr-3428	211	15	the	the	DET
fsr-3428	211	16	two	two	NUM
fsr-3428	211	17	percent	percent	NOUN
fsr-3428	211	18	cash	cash	NOUN
fsr-3428	211	19	-	-	PUNCT
fsr-3428	211	20	back	back	NOUN
fsr-3428	211	21	card	card	NOUN
fsr-3428	211	22	with	with	ADP
fsr-3428	211	23	varying	vary	VERB
fsr-3428	211	24	levels	level	NOUN
fsr-3428	211	25	of	of	ADP
fsr-3428	211	26	demand	demand	NOUN
fsr-3428	211	27	elasticity	elasticity	NOUN
fsr-3428	211	28	.	.	PUNCT
fsr-3428	212	1	fig	fig	NOUN
fsr-3428	212	2	.	.	PUNCT
fsr-3428	213	1	2	2	NUM
fsr-3428	213	2	shows	show	VERB
fsr-3428	213	3	how	how	SCONJ
fsr-3428	213	4	a	a	DET
fsr-3428	213	5	consumer	consumer	NOUN
fsr-3428	213	6	with	with	ADP
fsr-3428	213	7	a	a	DET
fsr-3428	213	8	unit	unit	NOUN
fsr-3428	213	9	elastic	elastic	ADJ
fsr-3428	213	10	demand	demand	NOUN
fsr-3428	213	11	curve	curve	NOUN
fsr-3428	213	12	would	would	AUX
fsr-3428	213	13	react	react	VERB
fsr-3428	213	14	to	to	ADP
fsr-3428	213	15	a	a	DET
fsr-3428	213	16	two	two	NUM
fsr-3428	213	17	percent	percent	NOUN
fsr-3428	213	18	unlimited	unlimited	ADJ
fsr-3428	213	19	cash	cash	NOUN
fsr-3428	213	20	-	-	PUNCT
fsr-3428	213	21	back	back	NOUN
fsr-3428	213	22	rewards	reward	NOUN
fsr-3428	213	23	card	card	NOUN
fsr-3428	213	24	.	.	PUNCT
fsr-3428	214	1	if	if	SCONJ
fsr-3428	214	2	monthly	monthly	ADJ
fsr-3428	214	3	consumption	consumption	NOUN
fsr-3428	214	4	using	use	VERB
fsr-3428	214	5	cash	cash	NOUN
fsr-3428	214	6	,	,	PUNCT
fsr-3428	214	7	c0	c0	PROPN
fsr-3428	214	8	,	,	PUNCT
fsr-3428	214	9	is	be	AUX
fsr-3428	214	10	$	$	SYM
fsr-3428	214	11	10,000	10,000	NUM
fsr-3428	214	12	,	,	PUNCT
fsr-3428	214	13	then	then	ADV
fsr-3428	214	14	their	their	PRON
fsr-3428	214	15	post	post	ADJ
fsr-3428	214	16	-	-	ADJ
fsr-3428	214	17	reward	reward	ADJ
fsr-3428	214	18	consumption	consumption	NOUN
fsr-3428	214	19	,	,	PUNCT
fsr-3428	214	20	c1	c1	PROPN
fsr-3428	214	21	,	,	PUNCT
fsr-3428	214	22	would	would	AUX
fsr-3428	214	23	increase	increase	VERB
fsr-3428	214	24	to	to	ADP
fsr-3428	214	25	$	$	SYM
fsr-3428	214	26	10,204.08.10	10,204.08.10	NUM
fsr-3428	214	27	after	after	ADP
fsr-3428	214	28	the	the	DET
fsr-3428	214	29	two	two	NUM
fsr-3428	214	30	percent	percent	NOUN
fsr-3428	214	31	cashback	cashback	NOUN
fsr-3428	214	32	redemption	redemption	NOUN
fsr-3428	214	33	,	,	PUNCT
fsr-3428	214	34	their	their	PRON
fsr-3428	214	35	effective	effective	ADJ
fsr-3428	214	36	spending	spending	NOUN
fsr-3428	214	37	remains	remain	VERB
fsr-3428	214	38	constant	constant	ADJ
fsr-3428	214	39	at	at	ADP
fsr-3428	214	40	$	$	SYM
fsr-3428	214	41	10,000	10,000	NUM
fsr-3428	214	42	.	.	PUNCT
fsr-3428	215	1	thus	thus	ADV
fsr-3428	215	2	,	,	PUNCT
fsr-3428	215	3	consumers	consumer	NOUN
fsr-3428	215	4	with	with	ADP
fsr-3428	215	5	unit	unit	NOUN
fsr-3428	215	6	elastic	elastic	ADJ
fsr-3428	215	7	demand	demand	NOUN
fsr-3428	215	8	curves	curve	NOUN
fsr-3428	215	9	effectively	effectively	ADV
fsr-3428	215	10	spend	spend	VERB
fsr-3428	215	11	the	the	DET
fsr-3428	215	12	same	same	ADJ
fsr-3428	215	13	amount	amount	NOUN
fsr-3428	215	14	of	of	ADP
fsr-3428	215	15	money	money	NOUN
fsr-3428	215	16	with	with	ADP
fsr-3428	215	17	cash	cash	NOUN
fsr-3428	215	18	and	and	CCONJ
fsr-3428	215	19	with	with	ADP
fsr-3428	215	20	a	a	DET
fsr-3428	215	21	credit	credit	NOUN
fsr-3428	215	22	card	card	NOUN
fsr-3428	215	23	,	,	PUNCT
fsr-3428	215	24	but	but	CCONJ
fsr-3428	215	25	they	they	PRON
fsr-3428	215	26	are	be	AUX
fsr-3428	215	27	able	able	ADJ
fsr-3428	215	28	to	to	PART
fsr-3428	215	29	consume	consume	VERB
fsr-3428	215	30	more	more	ADJ
fsr-3428	215	31	goods	good	NOUN
fsr-3428	215	32	and	and	CCONJ
fsr-3428	215	33	services	service	NOUN
fsr-3428	215	34	with	with	ADP
fsr-3428	215	35	the	the	DET
fsr-3428	215	36	cash	cash	NOUN
fsr-3428	215	37	-	-	PUNCT
fsr-3428	215	38	back	back	NOUN
fsr-3428	215	39	credit	credit	NOUN
fsr-3428	215	40	card	card	NOUN
fsr-3428	215	41	.	.	PUNCT
fsr-3428	216	1	for	for	ADP
fsr-3428	216	2	these	these	DET
fsr-3428	216	3	consumers	consumer	NOUN
fsr-3428	216	4	,	,	PUNCT
fsr-3428	216	5	utilization	utilization	NOUN
fsr-3428	216	6	of	of	ADP
fsr-3428	216	7	the	the	DET
fsr-3428	216	8	citi	citi	PROPN
fsr-3428	216	9	double	double	ADJ
fsr-3428	216	10	cash	cash	NOUN
fsr-3428	216	11	card	card	NOUN
fsr-3428	216	12	would	would	AUX
fsr-3428	216	13	have	have	VERB
fsr-3428	216	14	a	a	DET
fsr-3428	216	15	net	net	ADJ
fsr-3428	216	16	neutral	neutral	ADJ
fsr-3428	216	17	effect	effect	NOUN
fsr-3428	216	18	on	on	ADP
fsr-3428	216	19	their	their	PRON
fsr-3428	216	20	savings	saving	NOUN
fsr-3428	216	21	rate	rate	NOUN
fsr-3428	216	22	,	,	PUNCT
fsr-3428	216	23	while	while	SCONJ
fsr-3428	216	24	enabling	enable	VERB
fsr-3428	216	25	increased	increase	VERB
fsr-3428	216	26	consumption	consumption	NOUN
fsr-3428	216	27	.	.	PUNCT
fsr-3428	217	1	now	now	ADV
fsr-3428	217	2	,	,	PUNCT
fsr-3428	217	3	let	let	VERB
fsr-3428	217	4	us	we	PRON
fsr-3428	217	5	consider	consider	VERB
fsr-3428	217	6	the	the	DET
fsr-3428	217	7	case	case	NOUN
fsr-3428	217	8	of	of	ADP
fsr-3428	217	9	a	a	DET
fsr-3428	217	10	consumer	consumer	NOUN
fsr-3428	217	11	with	with	ADP
fsr-3428	217	12	an	an	DET
fsr-3428	217	13	elastic	elastic	ADJ
fsr-3428	217	14	demand	demand	NOUN
fsr-3428	217	15	curve	curve	NOUN
fsr-3428	217	16	.	.	PUNCT
fsr-3428	218	1	fig	fig	NOUN
fsr-3428	218	2	.	.	PUNCT
fsr-3428	219	1	3	3	NUM
fsr-3428	219	2	shows	show	VERB
fsr-3428	219	3	a	a	DET
fsr-3428	219	4	consumer	consumer	NOUN
fsr-3428	219	5	with	with	ADP
fsr-3428	219	6	an	an	DET
fsr-3428	219	7	initial	initial	ADJ
fsr-3428	219	8	consumption	consumption	NOUN
fsr-3428	219	9	level	level	NOUN
fsr-3428	219	10	of	of	ADP
fsr-3428	219	11	$	$	SYM
fsr-3428	219	12	10,000	10,000	NUM
fsr-3428	219	13	/	/	SYM
fsr-3428	219	14	month	month	NOUN
fsr-3428	219	15	,	,	PUNCT
fsr-3428	219	16	but	but	CCONJ
fsr-3428	219	17	a	a	DET
fsr-3428	219	18	price	price	NOUN
fsr-3428	219	19	elasticity	elasticity	NOUN
fsr-3428	219	20	of	of	ADP
fsr-3428	219	21	demand	demand	NOUN
fsr-3428	219	22	of	of	ADP
fsr-3428	219	23	two	two	NUM
fsr-3428	219	24	.	.	PUNCT
fsr-3428	220	1	given	give	VERB
fsr-3428	220	2	this	this	DET
fsr-3428	220	3	relatively	relatively	ADV
fsr-3428	220	4	flat	flat	ADJ
fsr-3428	220	5	demand	demand	NOUN
fsr-3428	220	6	curve	curve	NOUN
fsr-3428	220	7	,	,	PUNCT
fsr-3428	220	8	this	this	DET
fsr-3428	220	9	consumer	consumer	NOUN
fsr-3428	220	10	would	would	AUX
fsr-3428	220	11	actually	actually	ADV
fsr-3428	220	12	spend	spend	VERB
fsr-3428	220	13	more	more	ADJ
fsr-3428	220	14	money	money	NOUN
fsr-3428	220	15	(	(	PUNCT
fsr-3428	220	16	even	even	ADV
fsr-3428	220	17	after	after	ADP
fsr-3428	220	18	cash	cash	NOUN
fsr-3428	220	19	-	-	PUNCT
fsr-3428	220	20	back	back	NOUN
fsr-3428	220	21	redemptions	redemption	NOUN
fsr-3428	220	22	)	)	PUNCT
fsr-3428	220	23	with	with	ADP
fsr-3428	220	24	the	the	DET
fsr-3428	220	25	introduction	introduction	NOUN
fsr-3428	220	26	of	of	ADP
fsr-3428	220	27	rewards	reward	NOUN
fsr-3428	220	28	opportunities	opportunity	NOUN
fsr-3428	220	29	.	.	PUNCT
fsr-3428	221	1	specifically	specifically	ADV
fsr-3428	221	2	,	,	PUNCT
fsr-3428	221	3	with	with	ADP
fsr-3428	221	4	a	a	DET
fsr-3428	221	5	price	price	NOUN
fsr-3428	221	6	elasticity	elasticity	NOUN
fsr-3428	221	7	of	of	ADP
fsr-3428	221	8	two	two	NUM
fsr-3428	221	9	,	,	PUNCT
fsr-3428	221	10	this	this	DET
fsr-3428	221	11	consumer	consumer	NOUN
fsr-3428	221	12	would	would	AUX
fsr-3428	221	13	spend	spend	VERB
fsr-3428	221	14	$	$	SYM
fsr-3428	221	15	10,412.37	10,412.37	NUM
fsr-3428	221	16	buying	buying	NOUN
fsr-3428	221	17	goods	good	NOUN
fsr-3428	221	18	and	and	CCONJ
fsr-3428	221	19	services	service	NOUN
fsr-3428	221	20	,	,	PUNCT
fsr-3428	221	21	effectively	effectively	ADV
fsr-3428	221	22	spending	spend	VERB
fsr-3428	221	23	$	$	SYM
fsr-3428	221	24	10,204.12	10,204.12	NUM
fsr-3428	221	25	after	after	ADP
fsr-3428	221	26	receiving	receive	VERB
fsr-3428	221	27	the	the	DET
fsr-3428	221	28	two	two	NUM
fsr-3428	221	29	percent	percent	NOUN
fsr-3428	221	30	cash	cash	NOUN
fsr-3428	221	31	-	-	PUNCT
fsr-3428	221	32	back	back	NOUN
fsr-3428	221	33	.	.	PUNCT
fsr-3428	222	1	because	because	SCONJ
fsr-3428	222	2	this	this	DET
fsr-3428	222	3	consumer	consumer	NOUN
fsr-3428	222	4	increases	increase	VERB
fsr-3428	222	5	their	their	PRON
fsr-3428	222	6	spending	spending	NOUN
fsr-3428	222	7	by	by	ADP
fsr-3428	222	8	a	a	DET
fsr-3428	222	9	greater	great	ADJ
fsr-3428	222	10	percentage	percentage	NOUN
fsr-3428	222	11	than	than	ADP
fsr-3428	222	12	the	the	DET
fsr-3428	222	13	effective	effective	ADJ
fsr-3428	222	14	price	price	NOUN
fsr-3428	222	15	decreases	decrease	NOUN
fsr-3428	222	16	,	,	PUNCT
fsr-3428	222	17	they	they	PRON
fsr-3428	222	18	are	be	AUX
fsr-3428	222	19	effectively	effectively	ADV
fsr-3428	222	20	spending	spend	VERB
fsr-3428	222	21	more	more	ADJ
fsr-3428	222	22	money	money	NOUN
fsr-3428	222	23	after	after	ADP
fsr-3428	222	24	rewards	reward	VERB
fsr-3428	222	25	implementation	implementation	NOUN
fsr-3428	222	26	.	.	PUNCT
fsr-3428	223	1	thus	thus	ADV
fsr-3428	223	2	,	,	PUNCT
fsr-3428	223	3	the	the	DET
fsr-3428	223	4	use	use	NOUN
fsr-3428	223	5	of	of	ADP
fsr-3428	223	6	this	this	DET
fsr-3428	223	7	two	two	NUM
fsr-3428	223	8	percent	percent	NOUN
fsr-3428	223	9	cash	cash	NOUN
fsr-3428	223	10	-	-	PUNCT
fsr-3428	223	11	back	back	NOUN
fsr-3428	223	12	card	card	NOUN
fsr-3428	223	13	will	will	AUX
fsr-3428	223	14	reduce	reduce	VERB
fsr-3428	223	15	consumer	consumer	NOUN
fsr-3428	223	16	saving	saving	NOUN
fsr-3428	223	17	for	for	ADP
fsr-3428	223	18	an	an	DET
fsr-3428	223	19	individual	individual	NOUN
fsr-3428	223	20	with	with	ADP
fsr-3428	223	21	elastic	elastic	ADJ
fsr-3428	223	22	demand	demand	NOUN
fsr-3428	223	23	.	.	PUNCT
fsr-3428	224	1	that	that	PRON
fsr-3428	224	2	being	be	AUX
fsr-3428	224	3	said	say	VERB
fsr-3428	224	4	,	,	PUNCT
fsr-3428	224	5	it	it	PRON
fsr-3428	224	6	is	be	AUX
fsr-3428	224	7	important	important	ADJ
fsr-3428	224	8	to	to	PART
fsr-3428	224	9	recognize	recognize	VERB
fsr-3428	224	10	that	that	SCONJ
fsr-3428	224	11	the	the	DET
fsr-3428	224	12	additional	additional	ADJ
fsr-3428	224	13	consumption	consumption	NOUN
fsr-3428	224	14	still	still	ADV
fsr-3428	224	15	raises	raise	VERB
fsr-3428	224	16	consumer	consumer	NOUN
fsr-3428	224	17	surplus	surplus	NOUN
fsr-3428	224	18	and	and	CCONJ
fsr-3428	224	19	utility	utility	NOUN
fsr-3428	224	20	.	.	PUNCT
fsr-3428	225	1	fig	fig	NOUN
fsr-3428	225	2	.	.	PUNCT
fsr-3428	226	1	2	2	X
fsr-3428	226	2	.	.	X
fsr-3428	226	3	consumption	consumption	NOUN
fsr-3428	226	4	using	use	VERB
fsr-3428	226	5	a	a	DET
fsr-3428	226	6	simple	simple	ADJ
fsr-3428	226	7	cash	cash	NOUN
fsr-3428	226	8	-	-	PUNCT
fsr-3428	226	9	back	back	NOUN
fsr-3428	226	10	credit	credit	NOUN
fsr-3428	226	11	card	card	NOUN
fsr-3428	226	12	(	(	PUNCT
fsr-3428	226	13	unit	unit	NOUN
fsr-3428	226	14	elastic	elastic	ADJ
fsr-3428	226	15	demand	demand	NOUN
fsr-3428	226	16	)	)	PUNCT
fsr-3428	226	17	.	.	PUNCT
fsr-3428	227	1	232	232	NUM
fsr-3428	227	2	n.	n.	PROPN
fsr-3428	227	3	macdonald	macdonald	PROPN
fsr-3428	227	4	,	,	PUNCT
fsr-3428	227	5	b.	b.	PROPN
fsr-3428	227	6	evans	evans	PROPN
fsr-3428	227	7	/	/	SYM
fsr-3428	227	8	financial	financial	ADJ
fsr-3428	227	9	services	service	NOUN
fsr-3428	227	10	review	review	VERB
fsr-3428	227	11	28	28	NUM
fsr-3428	227	12	(	(	PUNCT
fsr-3428	227	13	2020	2020	NUM
fsr-3428	227	14	)	)	PUNCT
fsr-3428	228	1	223–242	223–242	NUM
fsr-3428	228	2	finally	finally	ADV
fsr-3428	228	3	,	,	PUNCT
fsr-3428	228	4	let	let	VERB
fsr-3428	228	5	us	we	PRON
fsr-3428	228	6	consider	consider	VERB
fsr-3428	228	7	a	a	DET
fsr-3428	228	8	consumer	consumer	NOUN
fsr-3428	228	9	with	with	ADP
fsr-3428	228	10	an	an	DET
fsr-3428	228	11	inelastic	inelastic	ADJ
fsr-3428	228	12	demand	demand	NOUN
fsr-3428	228	13	curve	curve	NOUN
fsr-3428	228	14	.	.	PUNCT
fsr-3428	229	1	fig	fig	NOUN
fsr-3428	229	2	.	.	PUNCT
fsr-3428	230	1	4	4	NUM
fsr-3428	230	2	shows	show	VERB
fsr-3428	230	3	a	a	DET
fsr-3428	230	4	consumer	consumer	NOUN
fsr-3428	230	5	with	with	ADP
fsr-3428	230	6	a	a	DET
fsr-3428	230	7	price	price	NOUN
fsr-3428	230	8	elasticity	elasticity	NOUN
fsr-3428	230	9	of	of	ADP
fsr-3428	230	10	demand	demand	NOUN
fsr-3428	230	11	of	of	ADP
fsr-3428	230	12	0.5	0.5	NUM
fsr-3428	230	13	.	.	PUNCT
fsr-3428	231	1	if	if	SCONJ
fsr-3428	231	2	this	this	DET
fsr-3428	231	3	consumer	consumer	NOUN
fsr-3428	231	4	spends	spend	VERB
fsr-3428	231	5	$	$	SYM
fsr-3428	231	6	10,000	10,000	NUM
fsr-3428	231	7	/	/	SYM
fsr-3428	231	8	month	month	NOUN
fsr-3428	231	9	with	with	ADP
fsr-3428	231	10	cash	cash	NOUN
fsr-3428	231	11	,	,	PUNCT
fsr-3428	231	12	her	her	PRON
fsr-3428	231	13	consumption	consumption	NOUN
fsr-3428	231	14	rises	rise	VERB
fsr-3428	231	15	to	to	ADP
fsr-3428	231	16	$	$	SYM
fsr-3428	231	17	10,101.52	10,101.52	NUM
fsr-3428	231	18	.	.	PUNCT
fsr-3428	232	1	after	after	ADP
fsr-3428	232	2	the	the	DET
fsr-3428	232	3	two	two	NUM
fsr-3428	232	4	percent	percent	NOUN
fsr-3428	232	5	cash	cash	NOUN
fsr-3428	232	6	-	-	PUNCT
fsr-3428	232	7	back	back	NOUN
fsr-3428	232	8	reward	reward	NOUN
fsr-3428	232	9	,	,	PUNCT
fsr-3428	232	10	she	she	PRON
fsr-3428	232	11	now	now	ADV
fsr-3428	232	12	effectively	effectively	ADV
fsr-3428	232	13	spends	spend	VERB
fsr-3428	232	14	$	$	SYM
fsr-3428	232	15	9.899.49	9.899.49	NUM
fsr-3428	232	16	.	.	PUNCT
fsr-3428	233	1	this	this	DET
fsr-3428	233	2	consumer	consumer	NOUN
fsr-3428	233	3	increases	increase	NOUN
fsr-3428	233	4	spending	spend	VERB
fsr-3428	233	5	by	by	ADP
fsr-3428	233	6	a	a	DET
fsr-3428	233	7	smaller	small	ADJ
fsr-3428	233	8	percentage	percentage	NOUN
fsr-3428	233	9	fig	fig	NOUN
fsr-3428	233	10	.	.	PUNCT
fsr-3428	234	1	4	4	X
fsr-3428	234	2	.	.	X
fsr-3428	234	3	consumption	consumption	NOUN
fsr-3428	234	4	using	use	VERB
fsr-3428	234	5	a	a	DET
fsr-3428	234	6	simple	simple	ADJ
fsr-3428	234	7	cash	cash	NOUN
fsr-3428	234	8	-	-	PUNCT
fsr-3428	234	9	back	back	NOUN
fsr-3428	234	10	credit	credit	NOUN
fsr-3428	234	11	card	card	NOUN
fsr-3428	234	12	(	(	PUNCT
fsr-3428	234	13	inelastic	inelastic	ADJ
fsr-3428	234	14	demand	demand	NOUN
fsr-3428	234	15	)	)	PUNCT
fsr-3428	234	16	.	.	PUNCT
fsr-3428	235	1	fig	fig	NOUN
fsr-3428	235	2	.	.	PUNCT
fsr-3428	236	1	3	3	X
fsr-3428	236	2	.	.	X
fsr-3428	236	3	consumption	consumption	NOUN
fsr-3428	236	4	using	use	VERB
fsr-3428	236	5	a	a	DET
fsr-3428	236	6	simple	simple	ADJ
fsr-3428	236	7	cash	cash	NOUN
fsr-3428	236	8	-	-	PUNCT
fsr-3428	236	9	back	back	NOUN
fsr-3428	236	10	credit	credit	NOUN
fsr-3428	236	11	card	card	NOUN
fsr-3428	236	12	(	(	PUNCT
fsr-3428	236	13	elastic	elastic	ADJ
fsr-3428	236	14	demand	demand	NOUN
fsr-3428	236	15	)	)	PUNCT
fsr-3428	236	16	.	.	PUNCT
fsr-3428	237	1	n.	n.	PROPN
fsr-3428	237	2	macdonald	macdonald	PROPN
fsr-3428	237	3	,	,	PUNCT
fsr-3428	237	4	b.	b.	PROPN
fsr-3428	237	5	evans	evans	PROPN
fsr-3428	237	6	/	/	SYM
fsr-3428	237	7	financial	financial	ADJ
fsr-3428	237	8	services	service	NOUN
fsr-3428	237	9	review	review	VERB
fsr-3428	237	10	28	28	NUM
fsr-3428	237	11	(	(	PUNCT
fsr-3428	237	12	2020	2020	NUM
fsr-3428	237	13	)	)	PUNCT
fsr-3428	238	1	223–242	223–242	NUM
fsr-3428	238	2	233	233	NUM
fsr-3428	238	3	than	than	ADP
fsr-3428	238	4	the	the	DET
fsr-3428	238	5	effective	effective	ADJ
fsr-3428	238	6	price	price	NOUN
fsr-3428	238	7	decreases	decrease	NOUN
fsr-3428	238	8	,	,	PUNCT
fsr-3428	238	9	which	which	PRON
fsr-3428	238	10	means	mean	VERB
fsr-3428	238	11	she	she	PRON
fsr-3428	238	12	spends	spend	VERB
fsr-3428	238	13	less	less	ADJ
fsr-3428	238	14	money	money	NOUN
fsr-3428	238	15	as	as	ADP
fsr-3428	238	16	a	a	DET
fsr-3428	238	17	result	result	NOUN
fsr-3428	238	18	of	of	ADP
fsr-3428	238	19	credit	credit	NOUN
fsr-3428	238	20	card	card	NOUN
fsr-3428	238	21	rewards	reward	NOUN
fsr-3428	238	22	.	.	PUNCT
fsr-3428	239	1	thus	thus	ADV
fsr-3428	239	2	,	,	PUNCT
fsr-3428	239	3	her	her	PRON
fsr-3428	239	4	savings	saving	NOUN
fsr-3428	239	5	rate	rate	NOUN
fsr-3428	239	6	increases	increase	NOUN
fsr-3428	239	7	.	.	PUNCT
fsr-3428	240	1	considering	consider	VERB
fsr-3428	240	2	the	the	DET
fsr-3428	240	3	results	result	NOUN
fsr-3428	240	4	from	from	ADP
fsr-3428	240	5	figs	fig	NOUN
fsr-3428	240	6	.	.	PUNCT
fsr-3428	241	1	1	1	NUM
fsr-3428	241	2	,	,	PUNCT
fsr-3428	241	3	2	2	NUM
fsr-3428	241	4	,	,	PUNCT
fsr-3428	241	5	3	3	NUM
fsr-3428	241	6	,	,	PUNCT
fsr-3428	241	7	and	and	CCONJ
fsr-3428	241	8	4	4	NUM
fsr-3428	241	9	,	,	PUNCT
fsr-3428	241	10	in	in	ADP
fsr-3428	241	11	unison	unison	NOUN
fsr-3428	241	12	,	,	PUNCT
fsr-3428	241	13	it	it	PRON
fsr-3428	241	14	is	be	AUX
fsr-3428	241	15	clear	clear	ADJ
fsr-3428	241	16	that	that	SCONJ
fsr-3428	241	17	cash	cash	NOUN
fsr-3428	241	18	-	-	PUNCT
fsr-3428	241	19	back	back	NOUN
fsr-3428	241	20	credit	credit	NOUN
fsr-3428	241	21	cards	card	NOUN
fsr-3428	241	22	can	can	AUX
fsr-3428	241	23	only	only	ADV
fsr-3428	241	24	have	have	VERB
fsr-3428	241	25	a	a	DET
fsr-3428	241	26	positive	positive	ADJ
fsr-3428	241	27	effect	effect	NOUN
fsr-3428	241	28	on	on	ADP
fsr-3428	241	29	consumer	consumer	NOUN
fsr-3428	241	30	utility	utility	NOUN
fsr-3428	241	31	,	,	PUNCT
fsr-3428	241	32	if	if	SCONJ
fsr-3428	241	33	our	our	PRON
fsr-3428	241	34	(	(	PUNCT
fsr-3428	241	35	strenuous	strenuous	ADJ
fsr-3428	241	36	)	)	PUNCT
fsr-3428	241	37	assumptions	assumption	NOUN
fsr-3428	241	38	hold	hold	VERB
fsr-3428	241	39	.	.	PUNCT
fsr-3428	242	1	for	for	ADP
fsr-3428	242	2	a	a	DET
fsr-3428	242	3	rational	rational	ADJ
fsr-3428	242	4	consumer	consumer	NOUN
fsr-3428	242	5	,	,	PUNCT
fsr-3428	242	6	consumer	consumer	NOUN
fsr-3428	242	7	surplus	surplus	NOUN
fsr-3428	242	8	,	,	PUNCT
fsr-3428	242	9	and	and	CCONJ
fsr-3428	242	10	thus	thus	ADV
fsr-3428	242	11	,	,	PUNCT
fsr-3428	242	12	utility	utility	NOUN
fsr-3428	242	13	,	,	PUNCT
fsr-3428	242	14	increases	increase	VERB
fsr-3428	242	15	once	once	ADV
fsr-3428	242	16	a	a	DET
fsr-3428	242	17	consumer	consumer	NOUN
fsr-3428	242	18	takes	take	VERB
fsr-3428	242	19	advantage	advantage	NOUN
fsr-3428	242	20	of	of	ADP
fsr-3428	242	21	the	the	DET
fsr-3428	242	22	two	two	NUM
fsr-3428	242	23	percent	percent	NOUN
fsr-3428	242	24	cash	cash	NOUN
fsr-3428	242	25	-	-	PUNCT
fsr-3428	242	26	back	back	NOUN
fsr-3428	242	27	offer	offer	NOUN
fsr-3428	242	28	provided	provide	VERB
fsr-3428	242	29	by	by	ADP
fsr-3428	242	30	the	the	DET
fsr-3428	242	31	citi	citi	PROPN
fsr-3428	242	32	double	double	ADJ
fsr-3428	242	33	cash	cash	NOUN
fsr-3428	242	34	card	card	NOUN
fsr-3428	242	35	.	.	PUNCT
fsr-3428	243	1	however	however	ADV
fsr-3428	243	2	,	,	PUNCT
fsr-3428	243	3	it	it	PRON
fsr-3428	243	4	also	also	ADV
fsr-3428	243	5	plainly	plainly	ADV
fsr-3428	243	6	evident	evident	ADJ
fsr-3428	243	7	that	that	SCONJ
fsr-3428	243	8	this	this	DET
fsr-3428	243	9	gain	gain	NOUN
fsr-3428	243	10	in	in	ADP
fsr-3428	243	11	utility	utility	NOUN
fsr-3428	243	12	could	could	AUX
fsr-3428	243	13	serve	serve	VERB
fsr-3428	243	14	to	to	PART
fsr-3428	243	15	hamper	hamper	VERB
fsr-3428	243	16	retirement	retirement	NOUN
fsr-3428	243	17	planning	planning	NOUN
fsr-3428	243	18	for	for	ADP
fsr-3428	243	19	consumers	consumer	NOUN
fsr-3428	243	20	with	with	ADP
fsr-3428	243	21	relatively	relatively	ADV
fsr-3428	243	22	elastic	elastic	ADJ
fsr-3428	243	23	demand	demand	NOUN
fsr-3428	243	24	.	.	PUNCT
fsr-3428	244	1	5.3	5.3	NUM
fsr-3428	244	2	.	.	PUNCT
fsr-3428	244	3	consumption	consumption	NOUN
fsr-3428	244	4	with	with	ADP
fsr-3428	244	5	a	a	DET
fsr-3428	244	6	cash	cash	NOUN
fsr-3428	244	7	-	-	PUNCT
fsr-3428	244	8	back	back	NOUN
fsr-3428	244	9	card	card	NOUN
fsr-3428	244	10	that	that	PRON
fsr-3428	244	11	offers	offer	VERB
fsr-3428	244	12	a	a	DET
fsr-3428	244	13	minimum	minimum	ADJ
fsr-3428	244	14	spend	spend	NOUN
fsr-3428	244	15	bonus	bonus	NOUN
fsr-3428	244	16	not	not	PART
fsr-3428	244	17	all	all	DET
fsr-3428	244	18	cash	cash	NOUN
fsr-3428	244	19	-	-	PUNCT
fsr-3428	244	20	back	back	NOUN
fsr-3428	244	21	credit	credit	NOUN
fsr-3428	244	22	cards	card	NOUN
fsr-3428	244	23	are	be	AUX
fsr-3428	244	24	as	as	ADV
fsr-3428	244	25	straightforward	straightforward	ADJ
fsr-3428	244	26	as	as	ADP
fsr-3428	244	27	the	the	DET
fsr-3428	244	28	citi	citi	PROPN
fsr-3428	244	29	double	double	ADJ
fsr-3428	244	30	cash	cash	NOUN
fsr-3428	244	31	card	card	NOUN
fsr-3428	244	32	;	;	PUNCT
fsr-3428	244	33	rewards	reward	NOUN
fsr-3428	244	34	become	become	VERB
fsr-3428	244	35	much	much	ADV
fsr-3428	244	36	more	more	ADV
fsr-3428	244	37	complicated	complicated	ADJ
fsr-3428	244	38	with	with	ADP
fsr-3428	244	39	the	the	DET
fsr-3428	244	40	introduction	introduction	NOUN
fsr-3428	244	41	of	of	ADP
fsr-3428	244	42	minimum	minimum	ADJ
fsr-3428	244	43	spend	spend	NOUN
fsr-3428	244	44	bonuses	bonus	NOUN
fsr-3428	244	45	(	(	PUNCT
fsr-3428	244	46	msb	msb	PROPN
fsr-3428	244	47	)	)	PUNCT
fsr-3428	244	48	.	.	PUNCT
fsr-3428	245	1	for	for	ADP
fsr-3428	245	2	example	example	NOUN
fsr-3428	245	3	,	,	PUNCT
fsr-3428	245	4	let	let	VERB
fsr-3428	245	5	’s	’s	NOUN
fsr-3428	245	6	consider	consider	VERB
fsr-3428	245	7	the	the	DET
fsr-3428	245	8	capitol	capitol	NOUN
fsr-3428	245	9	one	one	NUM
fsr-3428	245	10	savor	savor	NOUN
fsr-3428	245	11	rewards	reward	VERB
fsr-3428	245	12	card	card	NOUN
fsr-3428	245	13	,	,	PUNCT
fsr-3428	245	14	once	once	ADV
fsr-3428	245	15	again	again	ADV
fsr-3428	245	16	chosen	choose	VERB
fsr-3428	245	17	for	for	ADP
fsr-3428	245	18	its	its	PRON
fsr-3428	245	19	relative	relative	ADJ
fsr-3428	245	20	simplicity	simplicity	NOUN
fsr-3428	245	21	.	.	PUNCT
fsr-3428	246	1	the	the	DET
fsr-3428	246	2	capital	capital	NOUN
fsr-3428	246	3	one	one	NUM
fsr-3428	246	4	savor	savor	NOUN
fsr-3428	246	5	rewards	reward	VERB
fsr-3428	246	6	card	card	NOUN
fsr-3428	246	7	offers	offer	VERB
fsr-3428	246	8	a	a	DET
fsr-3428	246	9	$	$	SYM
fsr-3428	246	10	300	300	NUM
fsr-3428	246	11	cash	cash	NOUN
fsr-3428	246	12	bonus	bonus	NOUN
fsr-3428	246	13	if	if	SCONJ
fsr-3428	246	14	the	the	DET
fsr-3428	246	15	consumer	consumer	NOUN
fsr-3428	246	16	spends	spend	VERB
fsr-3428	246	17	$	$	SYM
fsr-3428	246	18	3,000	3,000	NUM
fsr-3428	246	19	over	over	ADP
fsr-3428	246	20	the	the	DET
fsr-3428	246	21	first	first	ADJ
fsr-3428	246	22	three	three	NUM
fsr-3428	246	23	months	month	NOUN
fsr-3428	246	24	of	of	ADP
fsr-3428	246	25	card	card	NOUN
fsr-3428	246	26	ownership	ownership	NOUN
fsr-3428	246	27	(	(	PUNCT
fsr-3428	246	28	capital	capital	NOUN
fsr-3428	246	29	one	one	NUM
fsr-3428	246	30	,	,	PUNCT
fsr-3428	246	31	2019	2019	NUM
fsr-3428	246	32	)	)	PUNCT
fsr-3428	246	33	.	.	PUNCT
fsr-3428	247	1	in	in	ADP
fsr-3428	247	2	addition	addition	NOUN
fsr-3428	247	3	,	,	PUNCT
fsr-3428	247	4	the	the	DET
fsr-3428	247	5	card	card	NOUN
fsr-3428	247	6	also	also	ADV
fsr-3428	247	7	offers	offer	VERB
fsr-3428	247	8	one	one	NUM
fsr-3428	247	9	percent	percent	NOUN
fsr-3428	247	10	cash	cash	NOUN
fsr-3428	247	11	-	-	PUNCT
fsr-3428	247	12	back	back	NOUN
fsr-3428	247	13	on	on	ADP
fsr-3428	247	14	all	all	DET
fsr-3428	247	15	purchases.11	purchases.11	ADJ
fsr-3428	247	16	because	because	SCONJ
fsr-3428	247	17	of	of	ADP
fsr-3428	247	18	the	the	DET
fsr-3428	247	19	design	design	NOUN
fsr-3428	247	20	of	of	ADP
fsr-3428	247	21	minimum	minimum	ADJ
fsr-3428	247	22	spend	spend	NOUN
fsr-3428	247	23	bonuses	bonus	NOUN
fsr-3428	247	24	,	,	PUNCT
fsr-3428	247	25	the	the	DET
fsr-3428	247	26	graphical	graphical	ADJ
fsr-3428	247	27	analyses	analysis	NOUN
fsr-3428	247	28	employed	employ	VERB
fsr-3428	247	29	must	must	AUX
fsr-3428	247	30	be	be	AUX
fsr-3428	247	31	reconsidered	reconsider	VERB
fsr-3428	247	32	.	.	PUNCT
fsr-3428	248	1	consider	consider	VERB
fsr-3428	248	2	the	the	DET
fsr-3428	248	3	marginal	marginal	ADJ
fsr-3428	248	4	cost	cost	NOUN
fsr-3428	248	5	of	of	ADP
fsr-3428	248	6	a	a	DET
fsr-3428	248	7	dollar	dollar	NOUN
fsr-3428	248	8	spent	spend	VERB
fsr-3428	248	9	while	while	SCONJ
fsr-3428	248	10	using	use	VERB
fsr-3428	248	11	this	this	DET
fsr-3428	248	12	card	card	NOUN
fsr-3428	248	13	.	.	PUNCT
fsr-3428	249	1	technically	technically	ADV
fsr-3428	249	2	,	,	PUNCT
fsr-3428	249	3	the	the	DET
fsr-3428	249	4	3,000th	3,000th	NUM
fsr-3428	249	5	dollar	dollar	NOUN
fsr-3428	249	6	spent	spend	VERB
fsr-3428	249	7	would	would	AUX
fsr-3428	249	8	possess	possess	VERB
fsr-3428	249	9	a	a	DET
fsr-3428	249	10	marginal	marginal	ADJ
fsr-3428	249	11	cost	cost	NOUN
fsr-3428	249	12	of	of	ADP
fsr-3428	249	13	-$299	-$299	NOUN
fsr-3428	249	14	.	.	PUNCT
fsr-3428	250	1	in	in	ADP
fsr-3428	250	2	other	other	ADJ
fsr-3428	250	3	words	word	NOUN
fsr-3428	250	4	,	,	PUNCT
fsr-3428	250	5	by	by	ADP
fsr-3428	250	6	spending	spend	VERB
fsr-3428	250	7	the	the	DET
fsr-3428	250	8	3,000th	3,000th	NUM
fsr-3428	250	9	dollar	dollar	NOUN
fsr-3428	250	10	,	,	PUNCT
fsr-3428	250	11	the	the	DET
fsr-3428	250	12	consumer	consumer	NOUN
fsr-3428	250	13	is	be	AUX
fsr-3428	250	14	able	able	ADJ
fsr-3428	250	15	to	to	PART
fsr-3428	250	16	reduce	reduce	VERB
fsr-3428	250	17	their	their	PRON
fsr-3428	250	18	overall	overall	ADJ
fsr-3428	250	19	cost	cost	NOUN
fsr-3428	250	20	by	by	ADP
fsr-3428	250	21	$	$	SYM
fsr-3428	250	22	299	299	NUM
fsr-3428	250	23	once	once	SCONJ
fsr-3428	250	24	they	they	PRON
fsr-3428	250	25	receive	receive	VERB
fsr-3428	250	26	the	the	DET
fsr-3428	250	27	$	$	SYM
fsr-3428	250	28	300	300	NUM
fsr-3428	250	29	cash	cash	NOUN
fsr-3428	250	30	bonus	bonus	NOUN
fsr-3428	250	31	.	.	PUNCT
fsr-3428	251	1	as	as	ADP
fsr-3428	251	2	a	a	DET
fsr-3428	251	3	result	result	NOUN
fsr-3428	251	4	,	,	PUNCT
fsr-3428	251	5	traditional	traditional	ADJ
fsr-3428	251	6	marginal	marginal	ADJ
fsr-3428	251	7	analysis	analysis	NOUN
fsr-3428	251	8	is	be	AUX
fsr-3428	251	9	no	no	PRON
fsr-3428	251	10	longer	long	ADV
fsr-3428	251	11	appropriate	appropriate	ADJ
fsr-3428	251	12	.	.	PUNCT
fsr-3428	252	1	to	to	PART
fsr-3428	252	2	more	more	ADV
fsr-3428	252	3	accurately	accurately	ADV
fsr-3428	252	4	model	model	VERB
fsr-3428	252	5	how	how	SCONJ
fsr-3428	252	6	consumers	consumer	NOUN
fsr-3428	252	7	would	would	AUX
fsr-3428	252	8	approach	approach	VERB
fsr-3428	252	9	consumption	consumption	NOUN
fsr-3428	252	10	decisions	decision	NOUN
fsr-3428	252	11	with	with	ADP
fsr-3428	252	12	an	an	DET
fsr-3428	252	13	msb	msb	PROPN
fsr-3428	252	14	card	card	NOUN
fsr-3428	252	15	,	,	PUNCT
fsr-3428	252	16	we	we	PRON
fsr-3428	252	17	instead	instead	ADV
fsr-3428	252	18	consider	consider	VERB
fsr-3428	252	19	average	average	ADJ
fsr-3428	252	20	cost	cost	NOUN
fsr-3428	252	21	per	per	ADP
fsr-3428	252	22	dollar	dollar	NOUN
fsr-3428	252	23	spent	spend	VERB
fsr-3428	252	24	through	through	ADP
fsr-3428	252	25	the	the	DET
fsr-3428	252	26	msb	msb	PROPN
fsr-3428	252	27	spending	spending	NOUN
fsr-3428	252	28	range	range	NOUN
fsr-3428	252	29	.	.	PUNCT
fsr-3428	253	1	the	the	DET
fsr-3428	253	2	need	need	NOUN
fsr-3428	253	3	for	for	ADP
fsr-3428	253	4	this	this	PRON
fsr-3428	253	5	for	for	ADP
fsr-3428	253	6	this	this	DET
fsr-3428	253	7	adjustment	adjustment	NOUN
fsr-3428	253	8	should	should	AUX
fsr-3428	253	9	reveal	reveal	VERB
fsr-3428	253	10	itself	itself	PRON
fsr-3428	253	11	as	as	SCONJ
fsr-3428	253	12	we	we	PRON
fsr-3428	253	13	traverse	traverse	VERB
fsr-3428	253	14	through	through	ADP
fsr-3428	253	15	the	the	DET
fsr-3428	253	16	following	follow	VERB
fsr-3428	253	17	examples	example	NOUN
fsr-3428	253	18	.	.	PUNCT
fsr-3428	254	1	fig	fig	NOUN
fsr-3428	254	2	.	.	PUNCT
fsr-3428	255	1	5	5	NUM
fsr-3428	255	2	illustrates	illustrate	VERB
fsr-3428	255	3	a	a	DET
fsr-3428	255	4	consumer	consumer	NOUN
fsr-3428	255	5	’s	’s	PART
fsr-3428	255	6	consumption	consumption	NOUN
fsr-3428	255	7	choice	choice	NOUN
fsr-3428	255	8	given	give	VERB
fsr-3428	255	9	three	three	NUM
fsr-3428	255	10	options	option	NOUN
fsr-3428	255	11	.	.	PUNCT
fsr-3428	256	1	while	while	SCONJ
fsr-3428	256	2	demand	demand	NOUN
fsr-3428	256	3	(	(	PUNCT
fsr-3428	256	4	marginal	marginal	ADJ
fsr-3428	256	5	benefit	benefit	NOUN
fsr-3428	256	6	)	)	PUNCT
fsr-3428	256	7	shows	show	VERB
fsr-3428	256	8	willingness	willingness	NOUN
fsr-3428	256	9	to	to	PART
fsr-3428	256	10	pay	pay	VERB
fsr-3428	256	11	in	in	ADP
fsr-3428	256	12	a	a	DET
fsr-3428	256	13	typical	typical	ADJ
fsr-3428	256	14	fashion	fashion	NOUN
fsr-3428	256	15	,	,	PUNCT
fsr-3428	256	16	the	the	DET
fsr-3428	256	17	consumer	consumer	NOUN
fsr-3428	256	18	now	now	ADV
fsr-3428	256	19	faces	face	VERB
fsr-3428	256	20	three	three	NUM
fsr-3428	256	21	payment	payment	NOUN
fsr-3428	256	22	choice	choice	NOUN
fsr-3428	256	23	options	option	NOUN
fsr-3428	256	24	.	.	PUNCT
fsr-3428	257	1	first	first	ADV
fsr-3428	257	2	,	,	PUNCT
fsr-3428	257	3	this	this	DET
fsr-3428	257	4	consumer	consumer	NOUN
fsr-3428	257	5	could	could	AUX
fsr-3428	257	6	use	use	VERB
fsr-3428	257	7	cash	cash	NOUN
fsr-3428	257	8	(	(	PUNCT
fsr-3428	257	9	marginal	marginal	ADJ
fsr-3428	257	10	cost	cost	NOUN
fsr-3428	257	11	w/o	w/o	ADP
fsr-3428	257	12	cc	cc	NOUN
fsr-3428	257	13	)	)	PUNCT
fsr-3428	257	14	,	,	PUNCT
fsr-3428	257	15	which	which	PRON
fsr-3428	257	16	would	would	AUX
fsr-3428	257	17	lead	lead	VERB
fsr-3428	257	18	to	to	ADP
fsr-3428	257	19	no	no	DET
fsr-3428	257	20	rebate	rebate	NOUN
fsr-3428	257	21	on	on	ADP
fsr-3428	257	22	consumption	consumption	NOUN
fsr-3428	257	23	—	—	PUNCT
fsr-3428	257	24	every	every	DET
fsr-3428	257	25	$	$	SYM
fsr-3428	257	26	1	1	NUM
fsr-3428	257	27	spent	spend	VERB
fsr-3428	257	28	on	on	ADP
fsr-3428	257	29	items	item	NOUN
fsr-3428	257	30	would	would	AUX
fsr-3428	257	31	have	have	VERB
fsr-3428	257	32	an	an	DET
fsr-3428	257	33	effective	effective	ADJ
fsr-3428	257	34	cost	cost	NOUN
fsr-3428	257	35	of	of	ADP
fsr-3428	257	36	$	$	SYM
fsr-3428	257	37	1	1	NUM
fsr-3428	257	38	.	.	PUNCT
fsr-3428	258	1	the	the	DET
fsr-3428	258	2	consumer	consumer	NOUN
fsr-3428	258	3	could	could	AUX
fsr-3428	258	4	also	also	ADV
fsr-3428	258	5	choose	choose	VERB
fsr-3428	258	6	to	to	PART
fsr-3428	258	7	use	use	VERB
fsr-3428	258	8	the	the	DET
fsr-3428	258	9	credit	credit	NOUN
fsr-3428	258	10	card	card	NOUN
fsr-3428	258	11	but	but	CCONJ
fsr-3428	258	12	fail	fail	VERB
fsr-3428	258	13	to	to	PART
fsr-3428	258	14	meet	meet	VERB
fsr-3428	258	15	the	the	DET
fsr-3428	258	16	msb	msb	PROPN
fsr-3428	258	17	.	.	PUNCT
fsr-3428	259	1	in	in	ADP
fsr-3428	259	2	this	this	DET
fsr-3428	259	3	case	case	NOUN
fsr-3428	259	4	,	,	PUNCT
fsr-3428	259	5	the	the	DET
fsr-3428	259	6	consumer	consumer	NOUN
fsr-3428	259	7	receives	receive	VERB
fsr-3428	259	8	a	a	DET
fsr-3428	259	9	flat	flat	ADJ
fsr-3428	259	10	one	one	NUM
fsr-3428	259	11	percent	percent	NOUN
fsr-3428	259	12	cash	cash	NOUN
fsr-3428	259	13	-	-	PUNCT
fsr-3428	259	14	back	back	NOUN
fsr-3428	259	15	reward	reward	NOUN
fsr-3428	259	16	on	on	ADP
fsr-3428	259	17	every	every	DET
fsr-3428	259	18	dollar	dollar	NOUN
fsr-3428	259	19	spent	spend	VERB
fsr-3428	259	20	leading	lead	VERB
fsr-3428	259	21	to	to	ADP
fsr-3428	259	22	an	an	DET
fsr-3428	259	23	effective	effective	ADJ
fsr-3428	259	24	cost	cost	NOUN
fsr-3428	259	25	of	of	ADP
fsr-3428	259	26	$	$	SYM
fsr-3428	259	27	0.99	0.99	NUM
fsr-3428	259	28	per	per	ADP
fsr-3428	259	29	$	$	SYM
fsr-3428	259	30	1	1	NUM
fsr-3428	259	31	of	of	ADP
fsr-3428	259	32	spending	spending	NOUN
fsr-3428	259	33	.	.	PUNCT
fsr-3428	260	1	lastly	lastly	ADV
fsr-3428	260	2	,	,	PUNCT
fsr-3428	260	3	the	the	DET
fsr-3428	260	4	consumer	consumer	NOUN
fsr-3428	260	5	could	could	AUX
fsr-3428	260	6	choose	choose	VERB
fsr-3428	260	7	to	to	PART
fsr-3428	260	8	spend	spend	VERB
fsr-3428	260	9	enough	enough	ADJ
fsr-3428	260	10	money	money	NOUN
fsr-3428	260	11	to	to	PART
fsr-3428	260	12	reach	reach	VERB
fsr-3428	260	13	the	the	DET
fsr-3428	260	14	minimum	minimum	ADJ
fsr-3428	260	15	spend	spend	NOUN
fsr-3428	260	16	(	(	PUNCT
fsr-3428	260	17	ms	ms	NOUN
fsr-3428	260	18	)	)	PUNCT
fsr-3428	260	19	threshold	threshold	NOUN
fsr-3428	260	20	.	.	PUNCT
fsr-3428	261	1	if	if	SCONJ
fsr-3428	261	2	the	the	DET
fsr-3428	261	3	consumer	consumer	NOUN
fsr-3428	261	4	surpasses	surpass	VERB
fsr-3428	261	5	the	the	DET
fsr-3428	261	6	minimum	minimum	ADJ
fsr-3428	261	7	spend	spend	NOUN
fsr-3428	261	8	threshold	threshold	NOUN
fsr-3428	261	9	,	,	PUNCT
fsr-3428	261	10	the	the	DET
fsr-3428	261	11	consumer	consumer	NOUN
fsr-3428	261	12	’s	’s	PART
fsr-3428	261	13	average	average	ADJ
fsr-3428	261	14	cost	cost	NOUN
fsr-3428	261	15	would	would	AUX
fsr-3428	261	16	equal	equal	VERB
fsr-3428	261	17	$	$	SYM
fsr-3428	261	18	0.89	0.89	NUM
fsr-3428	261	19	per	per	ADP
fsr-3428	261	20	dollar	dollar	NOUN
fsr-3428	261	21	spent	spend	VERB
fsr-3428	261	22	on	on	ADP
fsr-3428	261	23	the	the	DET
fsr-3428	261	24	first	first	ADJ
fsr-3428	261	25	$	$	SYM
fsr-3428	261	26	3,000	3,000	NUM
fsr-3428	261	27	of	of	ADP
fsr-3428	261	28	consumption	consumption	NOUN
fsr-3428	261	29	.	.	PUNCT
fsr-3428	262	1	how	how	SCONJ
fsr-3428	262	2	did	do	AUX
fsr-3428	262	3	we	we	PRON
fsr-3428	262	4	arrive	arrive	VERB
fsr-3428	262	5	at	at	ADP
fsr-3428	262	6	this	this	DET
fsr-3428	262	7	value	value	NOUN
fsr-3428	262	8	?	?	PUNCT
fsr-3428	263	1	if	if	SCONJ
fsr-3428	263	2	the	the	DET
fsr-3428	263	3	consumer	consumer	NOUN
fsr-3428	263	4	spends	spend	VERB
fsr-3428	263	5	exactly	exactly	ADV
fsr-3428	263	6	$	$	SYM
fsr-3428	263	7	3,000	3,000	NUM
fsr-3428	263	8	,	,	PUNCT
fsr-3428	263	9	he	he	PRON
fsr-3428	263	10	receives	receive	VERB
fsr-3428	263	11	one	one	NUM
fsr-3428	263	12	percent	percent	NOUN
fsr-3428	263	13	cash	cash	NOUN
fsr-3428	263	14	-	-	PUNCT
fsr-3428	263	15	back	back	NOUN
fsr-3428	263	16	on	on	ADP
fsr-3428	263	17	all	all	DET
fsr-3428	263	18	purchases	purchase	NOUN
fsr-3428	263	19	(	(	PUNCT
fsr-3428	263	20	$	$	SYM
fsr-3428	263	21	30	30	NUM
fsr-3428	263	22	)	)	PUNCT
fsr-3428	263	23	in	in	ADP
fsr-3428	263	24	addition	addition	NOUN
fsr-3428	263	25	to	to	ADP
fsr-3428	263	26	$	$	SYM
fsr-3428	263	27	300	300	NUM
fsr-3428	263	28	for	for	ADP
fsr-3428	263	29	reaching	reach	VERB
fsr-3428	263	30	the	the	DET
fsr-3428	263	31	msb	msb	PROPN
fsr-3428	263	32	.	.	PUNCT
fsr-3428	264	1	because	because	SCONJ
fsr-3428	264	2	he	he	PRON
fsr-3428	264	3	effectively	effectively	ADV
fsr-3428	264	4	pays	pay	VERB
fsr-3428	264	5	only	only	ADV
fsr-3428	264	6	$	$	SYM
fsr-3428	264	7	2,670	2,670	NUM
fsr-3428	264	8	to	to	PART
fsr-3428	264	9	purchase	purchase	VERB
fsr-3428	264	10	$	$	SYM
fsr-3428	264	11	3,000	3,000	NUM
fsr-3428	264	12	worth	worth	NOUN
fsr-3428	264	13	of	of	ADP
fsr-3428	264	14	goods	good	NOUN
fsr-3428	264	15	,	,	PUNCT
fsr-3428	264	16	he	he	PRON
fsr-3428	264	17	is	be	AUX
fsr-3428	264	18	effectively	effectively	ADV
fsr-3428	264	19	paying	pay	VERB
fsr-3428	264	20	$	$	SYM
fsr-3428	264	21	0.89	0.89	NUM
fsr-3428	264	22	in	in	ADP
fsr-3428	264	23	average	average	ADJ
fsr-3428	264	24	cost	cost	NOUN
fsr-3428	264	25	per	per	ADP
fsr-3428	264	26	$	$	SYM
fsr-3428	264	27	1	1	NUM
fsr-3428	264	28	of	of	ADP
fsr-3428	264	29	normal	normal	ADJ
fsr-3428	264	30	spending	spending	NOUN
fsr-3428	264	31	.	.	PUNCT
fsr-3428	265	1	since	since	SCONJ
fsr-3428	265	2	the	the	DET
fsr-3428	265	3	bonus	bonus	NOUN
fsr-3428	265	4	is	be	AUX
fsr-3428	265	5	only	only	ADV
fsr-3428	265	6	applied	apply	VERB
fsr-3428	265	7	if	if	SCONJ
fsr-3428	265	8	he	he	PRON
fsr-3428	265	9	reaches	reach	VERB
fsr-3428	265	10	$	$	SYM
fsr-3428	265	11	3,000	3,000	NUM
fsr-3428	265	12	in	in	ADP
fsr-3428	265	13	consumption	consumption	NOUN
fsr-3428	265	14	,	,	PUNCT
fsr-3428	265	15	he	he	PRON
fsr-3428	265	16	will	will	AUX
fsr-3428	265	17	consider	consider	VERB
fsr-3428	265	18	the	the	DET
fsr-3428	265	19	average	average	ADJ
fsr-3428	265	20	costs	cost	NOUN
fsr-3428	265	21	and	and	CCONJ
fsr-3428	265	22	benefits	benefit	NOUN
fsr-3428	265	23	of	of	ADP
fsr-3428	265	24	spending	spend	VERB
fsr-3428	265	25	choices	choice	NOUN
fsr-3428	265	26	to	to	PART
fsr-3428	265	27	determine	determine	VERB
fsr-3428	265	28	if	if	SCONJ
fsr-3428	265	29	it	it	PRON
fsr-3428	265	30	is	be	AUX
fsr-3428	265	31	worthwhile	worthwhile	ADJ
fsr-3428	265	32	to	to	PART
fsr-3428	265	33	reach	reach	VERB
fsr-3428	265	34	the	the	DET
fsr-3428	265	35	msb	msb	PROPN
fsr-3428	265	36	.	.	PUNCT
fsr-3428	266	1	after	after	SCONJ
fsr-3428	266	2	he	he	PRON
fsr-3428	266	3	reaches	reach	VERB
fsr-3428	266	4	the	the	DET
fsr-3428	266	5	msb	msb	PROPN
fsr-3428	266	6	,	,	PUNCT
fsr-3428	266	7	however	however	ADV
fsr-3428	266	8	,	,	PUNCT
fsr-3428	266	9	his	his	PRON
fsr-3428	266	10	choice	choice	NOUN
fsr-3428	266	11	is	be	AUX
fsr-3428	266	12	less	less	ADV
fsr-3428	266	13	complicated	complicated	ADJ
fsr-3428	266	14	as	as	ADP
fsr-3428	266	15	credit	credit	NOUN
fsr-3428	266	16	card	card	NOUN
fsr-3428	266	17	will	will	AUX
fsr-3428	266	18	now	now	ADV
fsr-3428	266	19	function	function	VERB
fsr-3428	266	20	as	as	ADP
fsr-3428	266	21	a	a	DET
fsr-3428	266	22	simple	simple	ADJ
fsr-3428	266	23	cash	cash	NOUN
fsr-3428	266	24	-	-	PUNCT
fsr-3428	266	25	back	back	NOUN
fsr-3428	266	26	card	card	NOUN
fsr-3428	266	27	with	with	ADP
fsr-3428	266	28	a	a	DET
fsr-3428	266	29	$	$	SYM
fsr-3428	266	30	0.99	0.99	NUM
fsr-3428	266	31	effective	effective	ADJ
fsr-3428	266	32	marginal	marginal	ADJ
fsr-3428	266	33	cost	cost	NOUN
fsr-3428	266	34	.	.	PUNCT
fsr-3428	267	1	234	234	NUM
fsr-3428	267	2	n.	n.	PROPN
fsr-3428	267	3	macdonald	macdonald	PROPN
fsr-3428	267	4	,	,	PUNCT
fsr-3428	267	5	b.	b.	PROPN
fsr-3428	267	6	evans	evans	PROPN
fsr-3428	267	7	/	/	SYM
fsr-3428	267	8	financial	financial	ADJ
fsr-3428	267	9	services	service	NOUN
fsr-3428	267	10	review	review	VERB
fsr-3428	267	11	28	28	NUM
fsr-3428	267	12	(	(	PUNCT
fsr-3428	267	13	2020	2020	NUM
fsr-3428	267	14	)	)	PUNCT
fsr-3428	268	1	223–242	223–242	NUM
fsr-3428	268	2	in	in	ADP
fsr-3428	268	3	fig	fig	NOUN
fsr-3428	268	4	.	.	PUNCT
fsr-3428	269	1	5	5	NUM
fsr-3428	269	2	,	,	PUNCT
fsr-3428	269	3	the	the	DET
fsr-3428	269	4	consumer	consumer	NOUN
fsr-3428	269	5	has	have	VERB
fsr-3428	269	6	adequately	adequately	ADV
fsr-3428	269	7	high	high	ADJ
fsr-3428	269	8	demand	demand	NOUN
fsr-3428	269	9	(	(	PUNCT
fsr-3428	269	10	ms	ms	PROPN
fsr-3428	269	11	<	<	X
fsr-3428	269	12	c0	c0	PROPN
fsr-3428	269	13	)	)	PUNCT
fsr-3428	269	14	leading	lead	VERB
fsr-3428	269	15	to	to	ADP
fsr-3428	269	16	a	a	DET
fsr-3428	269	17	straightforward	straightforward	ADJ
fsr-3428	269	18	consumption	consumption	NOUN
fsr-3428	269	19	choice	choice	NOUN
fsr-3428	269	20	.	.	PUNCT
fsr-3428	270	1	if	if	SCONJ
fsr-3428	270	2	the	the	DET
fsr-3428	270	3	consumer	consumer	NOUN
fsr-3428	270	4	uses	use	VERB
fsr-3428	270	5	cash	cash	NOUN
fsr-3428	270	6	,	,	PUNCT
fsr-3428	270	7	he	he	PRON
fsr-3428	270	8	will	will	AUX
fsr-3428	270	9	consume	consume	VERB
fsr-3428	270	10	at	at	ADP
fsr-3428	270	11	level	level	NOUN
fsr-3428	270	12	c0	c0	NOUN
fsr-3428	270	13	,	,	PUNCT
fsr-3428	270	14	leading	lead	VERB
fsr-3428	270	15	to	to	ADP
fsr-3428	270	16	a	a	DET
fsr-3428	270	17	consumer	consumer	NOUN
fsr-3428	270	18	surplus	surplus	NOUN
fsr-3428	270	19	of	of	ADP
fsr-3428	270	20	area	area	NOUN
fsr-3428	270	21	a.	a.	NOUN
fsr-3428	270	22	however	however	ADV
fsr-3428	270	23	,	,	PUNCT
fsr-3428	270	24	if	if	SCONJ
fsr-3428	270	25	he	he	PRON
fsr-3428	270	26	instead	instead	ADV
fsr-3428	270	27	uses	use	VERB
fsr-3428	270	28	the	the	DET
fsr-3428	270	29	card	card	NOUN
fsr-3428	270	30	,	,	PUNCT
fsr-3428	270	31	he	he	PRON
fsr-3428	270	32	will	will	AUX
fsr-3428	270	33	effortlessly	effortlessly	ADV
fsr-3428	270	34	reach	reach	VERB
fsr-3428	270	35	the	the	DET
fsr-3428	270	36	msb	msb	PROPN
fsr-3428	270	37	because	because	SCONJ
fsr-3428	270	38	his	his	PRON
fsr-3428	270	39	current	current	ADJ
fsr-3428	270	40	consumption	consumption	NOUN
fsr-3428	270	41	already	already	ADV
fsr-3428	270	42	surpasses	surpass	VERB
fsr-3428	270	43	the	the	DET
fsr-3428	270	44	$	$	SYM
fsr-3428	270	45	3,000	3,000	NUM
fsr-3428	270	46	level	level	NOUN
fsr-3428	270	47	.	.	PUNCT
fsr-3428	271	1	however	however	ADV
fsr-3428	271	2	,	,	PUNCT
fsr-3428	271	3	as	as	ADP
fsr-3428	271	4	with	with	ADP
fsr-3428	271	5	figs	fig	NOUN
fsr-3428	271	6	.	.	PUNCT
fsr-3428	272	1	2	2	NUM
fsr-3428	272	2	-	-	SYM
fsr-3428	272	3	5	5	NUM
fsr-3428	272	4	,	,	PUNCT
fsr-3428	272	5	his	his	PRON
fsr-3428	272	6	consumption	consumption	NOUN
fsr-3428	272	7	will	will	AUX
fsr-3428	272	8	slightly	slightly	ADV
fsr-3428	272	9	increase	increase	VERB
fsr-3428	272	10	from	from	ADP
fsr-3428	272	11	c0	c0	PROPN
fsr-3428	272	12	to	to	ADP
fsr-3428	272	13	c1	c1	PROPN
fsr-3428	272	14	as	as	ADP
fsr-3428	272	15	a	a	DET
fsr-3428	272	16	result	result	NOUN
fsr-3428	272	17	of	of	ADP
fsr-3428	272	18	the	the	DET
fsr-3428	272	19	flat	flat	ADJ
fsr-3428	272	20	one	one	NUM
fsr-3428	272	21	percent	percent	NOUN
fsr-3428	272	22	cash	cash	NOUN
fsr-3428	272	23	-	-	PUNCT
fsr-3428	272	24	back	back	NOUN
fsr-3428	272	25	reward	reward	NOUN
fsr-3428	272	26	.	.	PUNCT
fsr-3428	273	1	in	in	ADP
fsr-3428	273	2	total	total	NOUN
fsr-3428	273	3	,	,	PUNCT
fsr-3428	273	4	the	the	DET
fsr-3428	273	5	consumer	consumer	NOUN
fsr-3428	273	6	surplus	surplus	NOUN
fsr-3428	273	7	increases	increase	NOUN
fsr-3428	273	8	by	by	ADP
fsr-3428	273	9	areas	area	NOUN
fsr-3428	273	10	b	b	PROPN
fsr-3428	273	11	,	,	PUNCT
fsr-3428	273	12	c	c	X
fsr-3428	273	13	,	,	PUNCT
fsr-3428	273	14	d	d	NOUN
fsr-3428	273	15	,	,	PUNCT
fsr-3428	273	16	and	and	CCONJ
fsr-3428	273	17	e.	e.	PROPN
fsr-3428	273	18	areas	areas	PROPN
fsr-3428	273	19	b	b	PROPN
fsr-3428	273	20	and	and	CCONJ
fsr-3428	273	21	c	c	PROPN
fsr-3428	273	22	result	result	NOUN
fsr-3428	273	23	from	from	ADP
fsr-3428	273	24	the	the	DET
fsr-3428	273	25	consumer	consumer	NOUN
fsr-3428	273	26	earning	earn	VERB
fsr-3428	273	27	one	one	NUM
fsr-3428	273	28	percent	percent	NOUN
fsr-3428	273	29	cash	cash	NOUN
fsr-3428	273	30	-	-	PUNCT
fsr-3428	273	31	back	back	NOUN
fsr-3428	273	32	on	on	ADP
fsr-3428	273	33	the	the	DET
fsr-3428	273	34	items	item	NOUN
fsr-3428	273	35	he	he	PRON
fsr-3428	273	36	would	would	AUX
fsr-3428	273	37	buy	buy	VERB
fsr-3428	273	38	with	with	ADP
fsr-3428	273	39	cash	cash	NOUN
fsr-3428	273	40	or	or	CCONJ
fsr-3428	273	41	card	card	NOUN
fsr-3428	273	42	.	.	PUNCT
fsr-3428	274	1	area	area	NOUN
fsr-3428	274	2	d	d	NOUN
fsr-3428	274	3	results	result	VERB
fsr-3428	274	4	from	from	ADP
fsr-3428	274	5	new	new	ADJ
fsr-3428	274	6	consumption	consumption	NOUN
fsr-3428	274	7	that	that	PRON
fsr-3428	274	8	was	be	AUX
fsr-3428	274	9	incentivized	incentivize	VERB
fsr-3428	274	10	by	by	ADP
fsr-3428	274	11	the	the	DET
fsr-3428	274	12	one	one	NUM
fsr-3428	274	13	percent	percent	NOUN
fsr-3428	274	14	cash	cash	NOUN
fsr-3428	274	15	-	-	PUNCT
fsr-3428	274	16	back	back	NOUN
fsr-3428	274	17	reward	reward	NOUN
fsr-3428	274	18	.	.	PUNCT
fsr-3428	275	1	finally	finally	ADV
fsr-3428	275	2	,	,	PUNCT
fsr-3428	275	3	area	area	NOUN
fsr-3428	275	4	e	e	NOUN
fsr-3428	275	5	is	be	AUX
fsr-3428	275	6	the	the	DET
fsr-3428	275	7	$	$	SYM
fsr-3428	275	8	300	300	NUM
fsr-3428	275	9	minimum	minimum	NOUN
fsr-3428	275	10	spend	spend	NOUN
fsr-3428	275	11	bonus	bonus	NOUN
fsr-3428	275	12	earned	earn	VERB
fsr-3428	275	13	by	by	ADP
fsr-3428	275	14	the	the	DET
fsr-3428	275	15	consumer	consumer	NOUN
fsr-3428	275	16	.	.	PUNCT
fsr-3428	276	1	given	give	VERB
fsr-3428	276	2	that	that	SCONJ
fsr-3428	276	3	this	this	DET
fsr-3428	276	4	consumer	consumer	NOUN
fsr-3428	276	5	is	be	AUX
fsr-3428	276	6	earning	earn	VERB
fsr-3428	276	7	a	a	DET
fsr-3428	276	8	$	$	SYM
fsr-3428	276	9	300	300	NUM
fsr-3428	276	10	cash	cash	NOUN
fsr-3428	276	11	reward	reward	NOUN
fsr-3428	276	12	,	,	PUNCT
fsr-3428	276	13	it	it	PRON
fsr-3428	276	14	is	be	AUX
fsr-3428	276	15	likely	likely	ADJ
fsr-3428	276	16	that	that	SCONJ
fsr-3428	276	17	this	this	DET
fsr-3428	276	18	credit	credit	NOUN
fsr-3428	276	19	card	card	NOUN
fsr-3428	276	20	would	would	AUX
fsr-3428	276	21	have	have	VERB
fsr-3428	276	22	a	a	DET
fsr-3428	276	23	positive	positive	ADJ
fsr-3428	276	24	effect	effect	NOUN
fsr-3428	276	25	on	on	ADP
fsr-3428	276	26	savings	saving	NOUN
fsr-3428	276	27	.	.	PUNCT
fsr-3428	277	1	although	although	SCONJ
fsr-3428	277	2	the	the	DET
fsr-3428	277	3	consumer	consumer	NOUN
fsr-3428	277	4	is	be	AUX
fsr-3428	277	5	making	make	VERB
fsr-3428	277	6	more	more	ADJ
fsr-3428	277	7	purchases	purchase	NOUN
fsr-3428	277	8	(	(	PUNCT
fsr-3428	277	9	as	as	SCONJ
fsr-3428	277	10	evidenced	evidence	VERB
fsr-3428	277	11	by	by	ADP
fsr-3428	277	12	the	the	DET
fsr-3428	277	13	increase	increase	NOUN
fsr-3428	277	14	from	from	ADP
fsr-3428	277	15	c0	c0	PROPN
fsr-3428	277	16	to	to	ADP
fsr-3428	277	17	c1	c1	PROPN
fsr-3428	277	18	)	)	PUNCT
fsr-3428	277	19	,	,	PUNCT
fsr-3428	277	20	his	his	PRON
fsr-3428	277	21	demand	demand	NOUN
fsr-3428	277	22	would	would	AUX
fsr-3428	277	23	need	need	VERB
fsr-3428	277	24	to	to	PART
fsr-3428	277	25	be	be	AUX
fsr-3428	277	26	absurdly	absurdly	ADV
fsr-3428	277	27	elastic	elastic	ADJ
fsr-3428	277	28	for	for	ADP
fsr-3428	277	29	this	this	DET
fsr-3428	277	30	consumption	consumption	NOUN
fsr-3428	277	31	increase	increase	NOUN
fsr-3428	277	32	to	to	PART
fsr-3428	277	33	outstrip	outstrip	VERB
fsr-3428	277	34	the	the	DET
fsr-3428	277	35	$	$	SYM
fsr-3428	277	36	300	300	NUM
fsr-3428	277	37	in	in	ADP
fsr-3428	277	38	new	new	ADJ
fsr-3428	277	39	income	income	NOUN
fsr-3428	277	40	that	that	PRON
fsr-3428	277	41	was	be	AUX
fsr-3428	277	42	afforded	afford	VERB
fsr-3428	277	43	by	by	ADP
fsr-3428	277	44	the	the	DET
fsr-3428	277	45	msb	msb	PROPN
fsr-3428	277	46	.	.	PUNCT
fsr-3428	278	1	thus	thus	ADV
fsr-3428	278	2	,	,	PUNCT
fsr-3428	278	3	for	for	ADP
fsr-3428	278	4	consumers	consumer	NOUN
fsr-3428	278	5	with	with	ADP
fsr-3428	278	6	high	high	ADJ
fsr-3428	278	7	demand	demand	NOUN
fsr-3428	278	8	,	,	PUNCT
fsr-3428	278	9	it	it	PRON
fsr-3428	278	10	appears	appear	VERB
fsr-3428	278	11	that	that	SCONJ
fsr-3428	278	12	the	the	DET
fsr-3428	278	13	use	use	NOUN
fsr-3428	278	14	of	of	ADP
fsr-3428	278	15	cash	cash	NOUN
fsr-3428	278	16	-	-	PUNCT
fsr-3428	278	17	back	back	NOUN
fsr-3428	278	18	cards	card	NOUN
fsr-3428	278	19	with	with	ADP
fsr-3428	278	20	msb	msb	PROPN
fsr-3428	278	21	will	will	AUX
fsr-3428	278	22	have	have	VERB
fsr-3428	278	23	a	a	DET
fsr-3428	278	24	positive	positive	ADJ
fsr-3428	278	25	effect	effect	NOUN
fsr-3428	278	26	on	on	ADP
fsr-3428	278	27	both	both	DET
fsr-3428	278	28	spending	spending	NOUN
fsr-3428	278	29	and	and	CCONJ
fsr-3428	278	30	saving	saving	NOUN
fsr-3428	278	31	.	.	PUNCT
fsr-3428	279	1	consumption	consumption	NOUN
fsr-3428	279	2	choices	choice	NOUN
fsr-3428	279	3	become	become	VERB
fsr-3428	279	4	more	more	ADV
fsr-3428	279	5	complex	complex	ADJ
fsr-3428	279	6	when	when	SCONJ
fsr-3428	279	7	a	a	DET
fsr-3428	279	8	consumer	consumer	NOUN
fsr-3428	279	9	’s	’s	PART
fsr-3428	279	10	typical	typical	ADJ
fsr-3428	279	11	spending	spending	NOUN
fsr-3428	279	12	level	level	NOUN
fsr-3428	279	13	is	be	AUX
fsr-3428	279	14	below	below	ADP
fsr-3428	279	15	the	the	DET
fsr-3428	279	16	msb	msb	PROPN
fsr-3428	279	17	threshold	threshold	PROPN
fsr-3428	279	18	.	.	PUNCT
fsr-3428	280	1	fig	fig	NOUN
fsr-3428	280	2	.	.	PUNCT
fsr-3428	281	1	6	6	NUM
fsr-3428	281	2	shows	show	VERB
fsr-3428	281	3	a	a	DET
fsr-3428	281	4	consumer	consumer	NOUN
fsr-3428	281	5	that	that	PRON
fsr-3428	281	6	will	will	AUX
fsr-3428	281	7	not	not	PART
fsr-3428	281	8	meet	meet	VERB
fsr-3428	281	9	the	the	DET
fsr-3428	281	10	msb	msb	PROPN
fsr-3428	281	11	if	if	SCONJ
fsr-3428	281	12	they	they	PRON
fsr-3428	281	13	use	use	VERB
fsr-3428	281	14	cash	cash	NOUN
fsr-3428	281	15	.	.	PUNCT
fsr-3428	282	1	however	however	ADV
fsr-3428	282	2	,	,	PUNCT
fsr-3428	282	3	this	this	DET
fsr-3428	282	4	consumer	consumer	NOUN
fsr-3428	282	5	would	would	AUX
fsr-3428	282	6	indeed	indeed	ADV
fsr-3428	282	7	choose	choose	VERB
fsr-3428	282	8	to	to	PART
fsr-3428	282	9	increase	increase	VERB
fsr-3428	282	10	spending	spend	VERB
fsr-3428	282	11	to	to	PART
fsr-3428	282	12	reach	reach	VERB
fsr-3428	282	13	the	the	DET
fsr-3428	282	14	msb	msb	PROPN
fsr-3428	282	15	.	.	PUNCT
fsr-3428	283	1	using	use	VERB
fsr-3428	283	2	cash	cash	NOUN
fsr-3428	283	3	,	,	PUNCT
fsr-3428	283	4	this	this	DET
fsr-3428	283	5	consumer	consumer	NOUN
fsr-3428	283	6	would	would	AUX
fsr-3428	283	7	not	not	PART
fsr-3428	283	8	choose	choose	VERB
fsr-3428	283	9	to	to	PART
fsr-3428	283	10	purchase	purchase	VERB
fsr-3428	283	11	items	item	NOUN
fsr-3428	283	12	that	that	PRON
fsr-3428	283	13	would	would	AUX
fsr-3428	283	14	extend	extend	VERB
fsr-3428	283	15	their	their	PRON
fsr-3428	283	16	consumption	consumption	NOUN
fsr-3428	283	17	from	from	ADP
fsr-3428	283	18	c0	c0	PROPN
fsr-3428	283	19	to	to	ADP
fsr-3428	283	20	c1	c1	PROPN
fsr-3428	283	21	.	.	PUNCT
fsr-3428	284	1	however	however	ADV
fsr-3428	284	2	,	,	PUNCT
fsr-3428	284	3	the	the	DET
fsr-3428	284	4	consumer	consumer	NOUN
fsr-3428	284	5	will	will	AUX
fsr-3428	284	6	recognize	recognize	VERB
fsr-3428	284	7	that	that	SCONJ
fsr-3428	284	8	the	the	DET
fsr-3428	284	9	average	average	ADJ
fsr-3428	284	10	cost	cost	NOUN
fsr-3428	284	11	per	per	ADP
fsr-3428	284	12	dollar	dollar	NOUN
fsr-3428	284	13	spent	spend	VERB
fsr-3428	284	14	would	would	AUX
fsr-3428	284	15	drop	drop	VERB
fsr-3428	284	16	tremendously	tremendously	ADV
fsr-3428	284	17	if	if	SCONJ
fsr-3428	284	18	they	they	PRON
fsr-3428	284	19	increase	increase	VERB
fsr-3428	284	20	consumption	consumption	NOUN
fsr-3428	284	21	to	to	ADP
fsr-3428	284	22	c1	c1	PROPN
fsr-3428	284	23	to	to	PART
fsr-3428	284	24	capture	capture	VERB
fsr-3428	284	25	the	the	DET
fsr-3428	284	26	msb	msb	PROPN
fsr-3428	284	27	.	.	PROPN
fsr-3428	285	1	for	for	ADP
fsr-3428	285	2	example	example	NOUN
fsr-3428	285	3	,	,	PUNCT
fsr-3428	285	4	if	if	SCONJ
fsr-3428	285	5	this	this	DET
fsr-3428	285	6	consumer	consumer	NOUN
fsr-3428	285	7	typically	typically	ADV
fsr-3428	285	8	spends	spend	VERB
fsr-3428	285	9	$	$	SYM
fsr-3428	285	10	2,800	2,800	NUM
fsr-3428	285	11	every	every	DET
fsr-3428	285	12	three	three	NUM
fsr-3428	285	13	months	month	NOUN
fsr-3428	285	14	,	,	PUNCT
fsr-3428	285	15	it	it	PRON
fsr-3428	285	16	is	be	AUX
fsr-3428	285	17	abundantly	abundantly	ADV
fsr-3428	285	18	clear	clear	ADJ
fsr-3428	285	19	that	that	SCONJ
fsr-3428	285	20	they	they	PRON
fsr-3428	285	21	would	would	AUX
fsr-3428	285	22	benefit	benefit	VERB
fsr-3428	285	23	from	from	ADP
fsr-3428	285	24	spending	spend	VERB
fsr-3428	285	25	an	an	DET
fsr-3428	285	26	extra	extra	ADJ
fsr-3428	285	27	$	$	SYM
fsr-3428	285	28	200	200	NUM
fsr-3428	285	29	on	on	ADP
fsr-3428	285	30	their	their	PRON
fsr-3428	285	31	card	card	NOUN
fsr-3428	285	32	in	in	ADP
fsr-3428	285	33	order	order	NOUN
fsr-3428	285	34	to	to	PART
fsr-3428	285	35	receive	receive	VERB
fsr-3428	285	36	a	a	DET
fsr-3428	285	37	$	$	SYM
fsr-3428	285	38	300	300	NUM
fsr-3428	285	39	cash	cash	NOUN
fsr-3428	285	40	bonus	bonus	NOUN
fsr-3428	285	41	.	.	PUNCT
fsr-3428	286	1	once	once	SCONJ
fsr-3428	286	2	the	the	DET
fsr-3428	286	3	consumer	consumer	NOUN
fsr-3428	286	4	reaches	reach	VERB
fsr-3428	286	5	the	the	DET
fsr-3428	286	6	msb	msb	PROPN
fsr-3428	286	7	,	,	PUNCT
fsr-3428	286	8	however	however	ADV
fsr-3428	286	9	,	,	PUNCT
fsr-3428	286	10	they	they	PRON
fsr-3428	286	11	would	would	AUX
fsr-3428	286	12	then	then	ADV
fsr-3428	286	13	choose	choose	VERB
fsr-3428	286	14	to	to	PART
fsr-3428	286	15	cease	cease	VERB
fsr-3428	286	16	all	all	DET
fsr-3428	286	17	consumption	consumption	NOUN
fsr-3428	286	18	since	since	SCONJ
fsr-3428	286	19	the	the	DET
fsr-3428	286	20	marginal	marginal	ADJ
fsr-3428	286	21	cost	cost	NOUN
fsr-3428	286	22	(	(	PUNCT
fsr-3428	286	23	$	$	SYM
fsr-3428	286	24	0.99	0.99	NUM
fsr-3428	286	25	per	per	ADP
fsr-3428	286	26	$	$	SYM
fsr-3428	286	27	1	1	NUM
fsr-3428	286	28	of	of	ADP
fsr-3428	286	29	goods	good	NOUN
fsr-3428	286	30	and	and	CCONJ
fsr-3428	286	31	services	service	NOUN
fsr-3428	286	32	)	)	PUNCT
fsr-3428	286	33	surpasses	surpass	VERB
fsr-3428	286	34	fig	fig	NOUN
fsr-3428	286	35	.	.	PUNCT
fsr-3428	287	1	5	5	X
fsr-3428	287	2	.	.	X
fsr-3428	287	3	consumption	consumption	NOUN
fsr-3428	287	4	with	with	ADP
fsr-3428	287	5	a	a	DET
fsr-3428	287	6	minimum	minimum	ADJ
fsr-3428	287	7	spend	spend	NOUN
fsr-3428	287	8	bonus	bonus	NOUN
fsr-3428	287	9	(	(	PUNCT
fsr-3428	287	10	high	high	ADJ
fsr-3428	287	11	demand	demand	NOUN
fsr-3428	287	12	)	)	PUNCT
fsr-3428	287	13	.	.	PUNCT
fsr-3428	288	1	n.	n.	PROPN
fsr-3428	288	2	macdonald	macdonald	PROPN
fsr-3428	288	3	,	,	PUNCT
fsr-3428	288	4	b.	b.	PROPN
fsr-3428	288	5	evans	evans	PROPN
fsr-3428	288	6	/	/	SYM
fsr-3428	288	7	financial	financial	ADJ
fsr-3428	288	8	services	service	NOUN
fsr-3428	288	9	review	review	VERB
fsr-3428	288	10	28	28	NUM
fsr-3428	288	11	(	(	PUNCT
fsr-3428	288	12	2020	2020	NUM
fsr-3428	288	13	)	)	PUNCT
fsr-3428	289	1	223–242	223–242	NUM
fsr-3428	289	2	235	235	NUM
fsr-3428	289	3	the	the	DET
fsr-3428	289	4	marginal	marginal	ADJ
fsr-3428	289	5	benefit	benefit	NOUN
fsr-3428	289	6	.	.	PUNCT
fsr-3428	290	1	using	use	VERB
fsr-3428	290	2	the	the	DET
fsr-3428	290	3	specific	specific	ADJ
fsr-3428	290	4	values	value	NOUN
fsr-3428	290	5	prescribed	prescribe	VERB
fsr-3428	290	6	above	above	ADV
fsr-3428	290	7	,	,	PUNCT
fsr-3428	290	8	this	this	DET
fsr-3428	290	9	consumer	consumer	NOUN
fsr-3428	290	10	would	would	AUX
fsr-3428	290	11	reduce	reduce	VERB
fsr-3428	290	12	effective	effective	ADJ
fsr-3428	290	13	spending	spending	NOUN
fsr-3428	290	14	by	by	ADP
fsr-3428	290	15	using	use	VERB
fsr-3428	290	16	the	the	DET
fsr-3428	290	17	card	card	NOUN
fsr-3428	290	18	,	,	PUNCT
fsr-3428	290	19	leading	lead	VERB
fsr-3428	290	20	to	to	ADP
fsr-3428	290	21	increased	increase	VERB
fsr-3428	290	22	savings	saving	NOUN
fsr-3428	290	23	.	.	PUNCT
fsr-3428	291	1	however	however	ADV
fsr-3428	291	2	,	,	PUNCT
fsr-3428	291	3	this	this	PRON
fsr-3428	291	4	is	be	AUX
fsr-3428	291	5	not	not	PART
fsr-3428	291	6	necessarily	necessarily	ADV
fsr-3428	291	7	true	true	ADJ
fsr-3428	291	8	for	for	ADP
fsr-3428	291	9	all	all	DET
fsr-3428	291	10	consumers	consumer	NOUN
fsr-3428	291	11	.	.	PUNCT
fsr-3428	292	1	if	if	SCONJ
fsr-3428	292	2	,	,	PUNCT
fsr-3428	292	3	instead	instead	ADV
fsr-3428	292	4	,	,	PUNCT
fsr-3428	292	5	a	a	DET
fsr-3428	292	6	similar	similar	ADJ
fsr-3428	292	7	consumer	consumer	NOUN
fsr-3428	292	8	increased	increase	VERB
fsr-3428	292	9	consumption	consumption	NOUN
fsr-3428	292	10	from	from	ADP
fsr-3428	292	11	$	$	SYM
fsr-3428	292	12	2,000	2,000	NUM
fsr-3428	292	13	(	(	PUNCT
fsr-3428	292	14	c0	c0	NOUN
fsr-3428	292	15	)	)	PUNCT
fsr-3428	292	16	to	to	ADP
fsr-3428	292	17	$	$	SYM
fsr-3428	292	18	3,000	3,000	NUM
fsr-3428	292	19	(	(	PUNCT
fsr-3428	292	20	c1	c1	NOUN
fsr-3428	292	21	)	)	PUNCT
fsr-3428	292	22	to	to	PART
fsr-3428	292	23	reach	reach	VERB
fsr-3428	292	24	the	the	DET
fsr-3428	292	25	msb	msb	PROPN
fsr-3428	292	26	,	,	PUNCT
fsr-3428	292	27	this	this	DET
fsr-3428	292	28	consumer	consumer	NOUN
fsr-3428	292	29	would	would	AUX
fsr-3428	292	30	increase	increase	VERB
fsr-3428	292	31	effective	effective	ADJ
fsr-3428	292	32	spending	spending	NOUN
fsr-3428	292	33	,	,	PUNCT
fsr-3428	292	34	reducing	reduce	VERB
fsr-3428	292	35	savings	saving	NOUN
fsr-3428	292	36	.	.	PUNCT
fsr-3428	293	1	thus	thus	ADV
fsr-3428	293	2	,	,	PUNCT
fsr-3428	293	3	the	the	DET
fsr-3428	293	4	effect	effect	NOUN
fsr-3428	293	5	on	on	ADP
fsr-3428	293	6	savings	saving	NOUN
fsr-3428	293	7	would	would	AUX
fsr-3428	293	8	be	be	AUX
fsr-3428	293	9	a	a	DET
fsr-3428	293	10	function	function	NOUN
fsr-3428	293	11	of	of	ADP
fsr-3428	293	12	the	the	DET
fsr-3428	293	13	magnitude	magnitude	NOUN
fsr-3428	293	14	and	and	CCONJ
fsr-3428	293	15	elasticity	elasticity	NOUN
fsr-3428	293	16	of	of	ADP
fsr-3428	293	17	the	the	DET
fsr-3428	293	18	demand	demand	NOUN
fsr-3428	293	19	curve	curve	NOUN
fsr-3428	293	20	.	.	PUNCT
fsr-3428	294	1	for	for	ADP
fsr-3428	294	2	the	the	DET
fsr-3428	294	3	specific	specific	ADJ
fsr-3428	294	4	consumer	consumer	NOUN
fsr-3428	294	5	displayed	display	VERB
fsr-3428	294	6	in	in	ADP
fsr-3428	294	7	fig	fig	NOUN
fsr-3428	294	8	.	.	PUNCT
fsr-3428	295	1	6	6	NUM
fsr-3428	295	2	,	,	PUNCT
fsr-3428	295	3	their	their	PRON
fsr-3428	295	4	spending	spending	NOUN
fsr-3428	295	5	would	would	AUX
fsr-3428	295	6	equal	equal	VERB
fsr-3428	295	7	c1	c1	PROPN
fsr-3428	295	8	with	with	ADP
fsr-3428	295	9	a	a	DET
fsr-3428	295	10	flat	flat	ADJ
fsr-3428	295	11	one	one	NUM
fsr-3428	295	12	percent	percent	NOUN
fsr-3428	295	13	cash	cash	NOUN
fsr-3428	295	14	-	-	PUNCT
fsr-3428	295	15	back	back	NOUN
fsr-3428	295	16	credit	credit	NOUN
fsr-3428	295	17	card	card	NOUN
fsr-3428	295	18	or	or	CCONJ
fsr-3428	295	19	with	with	ADP
fsr-3428	295	20	the	the	DET
fsr-3428	295	21	msb	msb	PROPN
fsr-3428	295	22	card	card	NOUN
fsr-3428	295	23	with	with	ADP
fsr-3428	295	24	one	one	NUM
fsr-3428	295	25	percent	percent	NOUN
fsr-3428	295	26	cash	cash	NOUN
fsr-3428	295	27	-	-	PUNCT
fsr-3428	295	28	back	back	NOUN
fsr-3428	295	29	.	.	PUNCT
fsr-3428	296	1	thus	thus	ADV
fsr-3428	296	2	,	,	PUNCT
fsr-3428	296	3	in	in	ADP
fsr-3428	296	4	this	this	DET
fsr-3428	296	5	specific	specific	ADJ
fsr-3428	296	6	case	case	NOUN
fsr-3428	296	7	,	,	PUNCT
fsr-3428	296	8	this	this	DET
fsr-3428	296	9	consumer	consumer	NOUN
fsr-3428	296	10	would	would	AUX
fsr-3428	296	11	save	save	VERB
fsr-3428	296	12	an	an	DET
fsr-3428	296	13	extra	extra	ADJ
fsr-3428	296	14	$	$	SYM
fsr-3428	296	15	300	300	NUM
fsr-3428	296	16	(	(	PUNCT
fsr-3428	296	17	the	the	DET
fsr-3428	296	18	full	full	ADJ
fsr-3428	296	19	value	value	NOUN
fsr-3428	296	20	of	of	ADP
fsr-3428	296	21	the	the	DET
fsr-3428	296	22	msb	msb	PROPN
fsr-3428	296	23	)	)	PUNCT
fsr-3428	296	24	if	if	SCONJ
fsr-3428	296	25	they	they	PRON
fsr-3428	296	26	use	use	VERB
fsr-3428	296	27	this	this	DET
fsr-3428	296	28	credit	credit	NOUN
fsr-3428	296	29	card	card	NOUN
fsr-3428	296	30	instead	instead	ADV
fsr-3428	296	31	of	of	ADP
fsr-3428	296	32	a	a	DET
fsr-3428	296	33	one	one	NUM
fsr-3428	296	34	percent	percent	NOUN
fsr-3428	296	35	cashback	cashback	NOUN
fsr-3428	296	36	card	card	NOUN
fsr-3428	296	37	with	with	ADP
fsr-3428	296	38	no	no	DET
fsr-3428	296	39	msb	msb	PROPN
fsr-3428	296	40	.	.	PUNCT
fsr-3428	297	1	clearly	clearly	ADV
fsr-3428	297	2	,	,	PUNCT
fsr-3428	297	3	this	this	PRON
fsr-3428	297	4	would	would	AUX
fsr-3428	297	5	boost	boost	VERB
fsr-3428	297	6	savings	saving	NOUN
fsr-3428	297	7	.	.	PUNCT
fsr-3428	298	1	low	low	ADJ
fsr-3428	298	2	demand	demand	NOUN
fsr-3428	298	3	consumers	consumer	NOUN
fsr-3428	298	4	,	,	PUNCT
fsr-3428	298	5	like	like	ADP
fsr-3428	298	6	those	those	PRON
fsr-3428	298	7	shown	show	VERB
fsr-3428	298	8	in	in	ADP
fsr-3428	298	9	fig	fig	NOUN
fsr-3428	298	10	.	.	PUNCT
fsr-3428	299	1	7	7	NUM
fsr-3428	299	2	,	,	PUNCT
fsr-3428	299	3	are	be	AUX
fsr-3428	299	4	the	the	DET
fsr-3428	299	5	most	most	ADV
fsr-3428	299	6	difficult	difficult	ADJ
fsr-3428	299	7	to	to	PART
fsr-3428	299	8	analyze	analyze	VERB
fsr-3428	299	9	when	when	SCONJ
fsr-3428	299	10	using	use	VERB
fsr-3428	299	11	an	an	DET
fsr-3428	299	12	msb	msb	PROPN
fsr-3428	299	13	credit	credit	NOUN
fsr-3428	299	14	card	card	NOUN
fsr-3428	299	15	.	.	PUNCT
fsr-3428	300	1	such	such	ADJ
fsr-3428	300	2	consumers	consumer	NOUN
fsr-3428	300	3	do	do	AUX
fsr-3428	300	4	not	not	PART
fsr-3428	300	5	come	come	VERB
fsr-3428	300	6	close	close	ADV
fsr-3428	300	7	to	to	ADP
fsr-3428	300	8	reaching	reach	VERB
fsr-3428	300	9	the	the	DET
fsr-3428	300	10	minimum	minimum	ADJ
fsr-3428	300	11	spend	spend	NOUN
fsr-3428	300	12	threshold	threshold	NOUN
fsr-3428	300	13	when	when	SCONJ
fsr-3428	300	14	using	use	VERB
fsr-3428	300	15	cash	cash	NOUN
fsr-3428	300	16	.	.	PUNCT
fsr-3428	301	1	to	to	PART
fsr-3428	301	2	analyze	analyze	VERB
fsr-3428	301	3	consumption	consumption	NOUN
fsr-3428	301	4	for	for	ADP
fsr-3428	301	5	this	this	DET
fsr-3428	301	6	individual	individual	NOUN
fsr-3428	301	7	,	,	PUNCT
fsr-3428	301	8	we	we	PRON
fsr-3428	301	9	must	must	AUX
fsr-3428	301	10	introduce	introduce	VERB
fsr-3428	301	11	a	a	DET
fsr-3428	301	12	novel	novel	ADJ
fsr-3428	301	13	concept	concept	NOUN
fsr-3428	301	14	—	—	PUNCT
fsr-3428	301	15	negative	negative	ADJ
fsr-3428	301	16	consumer	consumer	NOUN
fsr-3428	301	17	surplus	surplus	NOUN
fsr-3428	301	18	.	.	PUNCT
fsr-3428	302	1	typically	typically	ADV
fsr-3428	302	2	,	,	PUNCT
fsr-3428	302	3	consumer	consumer	NOUN
fsr-3428	302	4	surplus	surplus	NOUN
fsr-3428	302	5	is	be	AUX
fsr-3428	302	6	defined	define	VERB
fsr-3428	302	7	by	by	ADP
fsr-3428	302	8	consumption	consumption	NOUN
fsr-3428	302	9	for	for	ADP
fsr-3428	302	10	which	which	PRON
fsr-3428	302	11	the	the	DET
fsr-3428	302	12	marginal	marginal	ADJ
fsr-3428	302	13	benefit	benefit	NOUN
fsr-3428	302	14	exceeds	exceed	VERB
fsr-3428	302	15	the	the	DET
fsr-3428	302	16	marginal	marginal	ADJ
fsr-3428	302	17	cost	cost	NOUN
fsr-3428	302	18	(	(	PUNCT
fsr-3428	302	19	price	price	NOUN
fsr-3428	302	20	)	)	PUNCT
fsr-3428	302	21	.	.	PUNCT
fsr-3428	303	1	however	however	ADV
fsr-3428	303	2	,	,	PUNCT
fsr-3428	303	3	in	in	ADP
fsr-3428	303	4	the	the	DET
fsr-3428	303	5	forthcoming	forthcoming	ADJ
fsr-3428	303	6	scenario	scenario	NOUN
fsr-3428	303	7	,	,	PUNCT
fsr-3428	303	8	the	the	DET
fsr-3428	303	9	consumer	consumer	NOUN
fsr-3428	303	10	willingly	willingly	ADV
fsr-3428	303	11	consumes	consume	VERB
fsr-3428	303	12	units	unit	NOUN
fsr-3428	303	13	where	where	SCONJ
fsr-3428	303	14	the	the	DET
fsr-3428	303	15	marginal	marginal	ADJ
fsr-3428	303	16	cost	cost	NOUN
fsr-3428	303	17	exceeds	exceed	VERB
fsr-3428	303	18	marginal	marginal	ADJ
fsr-3428	303	19	benefit	benefit	NOUN
fsr-3428	303	20	leading	lead	VERB
fsr-3428	303	21	to	to	ADP
fsr-3428	303	22	consumption	consumption	NOUN
fsr-3428	303	23	that	that	PRON
fsr-3428	303	24	yields	yield	VERB
fsr-3428	303	25	negative	negative	ADJ
fsr-3428	303	26	consumer	consumer	NOUN
fsr-3428	303	27	surplus	surplus	NOUN
fsr-3428	303	28	.	.	PUNCT
fsr-3428	304	1	on	on	ADP
fsr-3428	304	2	its	its	PRON
fsr-3428	304	3	own	own	ADJ
fsr-3428	304	4	,	,	PUNCT
fsr-3428	304	5	such	such	ADJ
fsr-3428	304	6	consumption	consumption	NOUN
fsr-3428	304	7	reduces	reduce	VERB
fsr-3428	304	8	utility	utility	NOUN
fsr-3428	304	9	;	;	PUNCT
fsr-3428	304	10	however	however	ADV
fsr-3428	304	11	,	,	PUNCT
fsr-3428	304	12	through	through	ADP
fsr-3428	304	13	this	this	DET
fsr-3428	304	14	increased	increase	VERB
fsr-3428	304	15	spending	spend	VERB
fsr-3428	304	16	the	the	DET
fsr-3428	304	17	consumer	consumer	NOUN
fsr-3428	304	18	is	be	AUX
fsr-3428	304	19	able	able	ADJ
fsr-3428	304	20	to	to	PART
fsr-3428	304	21	reduce	reduce	VERB
fsr-3428	304	22	the	the	DET
fsr-3428	304	23	effective	effective	ADJ
fsr-3428	304	24	cost	cost	NOUN
fsr-3428	304	25	of	of	ADP
fsr-3428	304	26	consumption	consumption	NOUN
fsr-3428	304	27	for	for	ADP
fsr-3428	304	28	all	all	DET
fsr-3428	304	29	purchases	purchase	NOUN
fsr-3428	304	30	,	,	PUNCT
fsr-3428	304	31	potentially	potentially	ADV
fsr-3428	304	32	leading	lead	VERB
fsr-3428	304	33	to	to	ADP
fsr-3428	304	34	an	an	DET
fsr-3428	304	35	overall	overall	ADJ
fsr-3428	304	36	increase	increase	NOUN
fsr-3428	304	37	in	in	ADP
fsr-3428	304	38	utility	utility	NOUN
fsr-3428	304	39	.	.	PUNCT
fsr-3428	305	1	the	the	DET
fsr-3428	305	2	following	follow	VERB
fsr-3428	305	3	paragraphs	paragraph	NOUN
fsr-3428	305	4	discuss	discuss	VERB
fsr-3428	305	5	this	this	DET
fsr-3428	305	6	unique	unique	ADJ
fsr-3428	305	7	scenario	scenario	NOUN
fsr-3428	305	8	.	.	PUNCT
fsr-3428	306	1	without	without	ADP
fsr-3428	306	2	credit	credit	NOUN
fsr-3428	306	3	cards	card	NOUN
fsr-3428	306	4	,	,	PUNCT
fsr-3428	306	5	this	this	DET
fsr-3428	306	6	consumer	consumer	NOUN
fsr-3428	306	7	would	would	AUX
fsr-3428	306	8	choose	choose	VERB
fsr-3428	306	9	to	to	PART
fsr-3428	306	10	buy	buy	VERB
fsr-3428	306	11	a	a	DET
fsr-3428	306	12	small	small	ADJ
fsr-3428	306	13	amount	amount	NOUN
fsr-3428	306	14	of	of	ADP
fsr-3428	306	15	goods	good	NOUN
fsr-3428	306	16	and	and	CCONJ
fsr-3428	306	17	services	service	NOUN
fsr-3428	306	18	,	,	PUNCT
fsr-3428	306	19	reaching	reach	VERB
fsr-3428	306	20	a	a	DET
fsr-3428	306	21	consumption	consumption	NOUN
fsr-3428	306	22	level	level	NOUN
fsr-3428	306	23	of	of	ADP
fsr-3428	306	24	c0	c0	NOUN
fsr-3428	306	25	.	.	PUNCT
fsr-3428	307	1	in	in	ADP
fsr-3428	307	2	a	a	DET
fsr-3428	307	3	typical	typical	ADJ
fsr-3428	307	4	benefit	benefit	NOUN
fsr-3428	307	5	-	-	PUNCT
fsr-3428	307	6	cost	cost	NOUN
fsr-3428	307	7	model	model	NOUN
fsr-3428	307	8	,	,	PUNCT
fsr-3428	307	9	this	this	DET
fsr-3428	307	10	consumer	consumer	NOUN
fsr-3428	307	11	would	would	AUX
fsr-3428	307	12	not	not	PART
fsr-3428	307	13	want	want	VERB
fsr-3428	307	14	to	to	PART
fsr-3428	307	15	spend	spend	VERB
fsr-3428	307	16	more	more	ADJ
fsr-3428	307	17	than	than	ADP
fsr-3428	307	18	c1	c1	NOUN
fsr-3428	307	19	,	,	PUNCT
fsr-3428	307	20	given	give	VERB
fsr-3428	307	21	that	that	SCONJ
fsr-3428	307	22	the	the	DET
fsr-3428	307	23	marginal	marginal	ADJ
fsr-3428	307	24	cost	cost	NOUN
fsr-3428	307	25	exceeds	exceed	VERB
fsr-3428	307	26	marginal	marginal	ADJ
fsr-3428	307	27	benefit	benefit	NOUN
fsr-3428	307	28	fig	fig	NOUN
fsr-3428	307	29	.	.	PUNCT
fsr-3428	308	1	6	6	NUM
fsr-3428	308	2	.	.	X
fsr-3428	308	3	consumption	consumption	NOUN
fsr-3428	308	4	with	with	ADP
fsr-3428	308	5	a	a	DET
fsr-3428	308	6	minimum	minimum	ADJ
fsr-3428	308	7	spend	spend	NOUN
fsr-3428	308	8	bonus	bonus	NOUN
fsr-3428	308	9	(	(	PUNCT
fsr-3428	308	10	medium	medium	ADJ
fsr-3428	308	11	demand	demand	NOUN
fsr-3428	308	12	)	)	PUNCT
fsr-3428	308	13	.	.	PUNCT
fsr-3428	309	1	236	236	NUM
fsr-3428	309	2	n.	n.	PROPN
fsr-3428	309	3	macdonald	macdonald	PROPN
fsr-3428	309	4	,	,	PUNCT
fsr-3428	309	5	b.	b.	PROPN
fsr-3428	309	6	evans	evans	PROPN
fsr-3428	309	7	/	/	SYM
fsr-3428	309	8	financial	financial	ADJ
fsr-3428	309	9	services	service	NOUN
fsr-3428	309	10	review	review	VERB
fsr-3428	309	11	28	28	NUM
fsr-3428	309	12	(	(	PUNCT
fsr-3428	309	13	2020	2020	NUM
fsr-3428	309	14	)	)	PUNCT
fsr-3428	310	1	223–242	223–242	NUM
fsr-3428	310	2	for	for	ADP
fsr-3428	310	3	these	these	DET
fsr-3428	310	4	goods	good	NOUN
fsr-3428	310	5	.	.	PUNCT
fsr-3428	311	1	however	however	ADV
fsr-3428	311	2	,	,	PUNCT
fsr-3428	311	3	this	this	DET
fsr-3428	311	4	consumer	consumer	NOUN
fsr-3428	311	5	would	would	AUX
fsr-3428	311	6	,	,	PUNCT
fsr-3428	311	7	yet	yet	ADV
fsr-3428	311	8	again	again	ADV
fsr-3428	311	9	,	,	PUNCT
fsr-3428	311	10	consider	consider	VERB
fsr-3428	311	11	the	the	DET
fsr-3428	311	12	average	average	ADJ
fsr-3428	311	13	cost	cost	NOUN
fsr-3428	311	14	of	of	ADP
fsr-3428	311	15	spending	spending	NOUN
fsr-3428	311	16	if	if	SCONJ
fsr-3428	311	17	they	they	PRON
fsr-3428	311	18	spent	spend	VERB
fsr-3428	311	19	exactly	exactly	ADV
fsr-3428	311	20	$	$	SYM
fsr-3428	311	21	3,000	3,000	NUM
fsr-3428	311	22	to	to	PART
fsr-3428	311	23	reach	reach	VERB
fsr-3428	311	24	the	the	DET
fsr-3428	311	25	msb	msb	PROPN
fsr-3428	311	26	.	.	PUNCT
fsr-3428	312	1	certainly	certainly	ADV
fsr-3428	312	2	,	,	PUNCT
fsr-3428	312	3	this	this	DET
fsr-3428	312	4	consumer	consumer	NOUN
fsr-3428	312	5	(	(	PUNCT
fsr-3428	312	6	and	and	CCONJ
fsr-3428	312	7	all	all	DET
fsr-3428	312	8	consumers	consumer	NOUN
fsr-3428	312	9	bounded	bound	VERB
fsr-3428	312	10	by	by	ADP
fsr-3428	312	11	the	the	DET
fsr-3428	312	12	assumptions	assumption	NOUN
fsr-3428	312	13	)	)	PUNCT
fsr-3428	312	14	would	would	AUX
fsr-3428	312	15	prefer	prefer	VERB
fsr-3428	312	16	to	to	PART
fsr-3428	312	17	use	use	VERB
fsr-3428	312	18	the	the	DET
fsr-3428	312	19	credit	credit	NOUN
fsr-3428	312	20	card	card	NOUN
fsr-3428	312	21	in	in	ADP
fsr-3428	312	22	lieu	lieu	NOUN
fsr-3428	312	23	of	of	ADP
fsr-3428	312	24	cash	cash	NOUN
fsr-3428	312	25	,	,	PUNCT
fsr-3428	312	26	regardless	regardless	ADV
fsr-3428	312	27	of	of	ADP
fsr-3428	312	28	spending	spending	NOUN
fsr-3428	312	29	level	level	NOUN
fsr-3428	312	30	.	.	PUNCT
fsr-3428	313	1	thus	thus	ADV
fsr-3428	313	2	,	,	PUNCT
fsr-3428	313	3	if	if	SCONJ
fsr-3428	313	4	this	this	DET
fsr-3428	313	5	consumer	consumer	NOUN
fsr-3428	313	6	fails	fail	VERB
fsr-3428	313	7	to	to	PART
fsr-3428	313	8	reach	reach	VERB
fsr-3428	313	9	the	the	DET
fsr-3428	313	10	msb	msb	PROPN
fsr-3428	313	11	,	,	PUNCT
fsr-3428	313	12	he	he	PRON
fsr-3428	313	13	will	will	AUX
fsr-3428	313	14	face	face	VERB
fsr-3428	313	15	an	an	DET
fsr-3428	313	16	effective	effective	ADJ
fsr-3428	313	17	average	average	ADJ
fsr-3428	313	18	cost	cost	NOUN
fsr-3428	313	19	of	of	ADP
fsr-3428	313	20	$	$	SYM
fsr-3428	313	21	0.99	0.99	NUM
fsr-3428	313	22	per	per	ADP
fsr-3428	313	23	dollar	dollar	NOUN
fsr-3428	313	24	of	of	ADP
fsr-3428	313	25	spending	spending	NOUN
fsr-3428	313	26	,	,	PUNCT
fsr-3428	313	27	leading	lead	VERB
fsr-3428	313	28	to	to	ADP
fsr-3428	313	29	a	a	DET
fsr-3428	313	30	consumption	consumption	NOUN
fsr-3428	313	31	level	level	NOUN
fsr-3428	313	32	of	of	ADP
fsr-3428	313	33	c1	c1	PROPN
fsr-3428	313	34	and	and	CCONJ
fsr-3428	313	35	a	a	DET
fsr-3428	313	36	consumer	consumer	NOUN
fsr-3428	313	37	surplus	surplus	NOUN
fsr-3428	313	38	of	of	ADP
fsr-3428	313	39	areas	area	NOUN
fsr-3428	313	40	a	a	PRON
fsr-3428	313	41	and	and	CCONJ
fsr-3428	313	42	b.	b.	PROPN
fsr-3428	313	43	however	however	ADV
fsr-3428	313	44	,	,	PUNCT
fsr-3428	313	45	the	the	DET
fsr-3428	313	46	consumer	consumer	NOUN
fsr-3428	313	47	could	could	AUX
fsr-3428	313	48	also	also	ADV
fsr-3428	313	49	choose	choose	VERB
fsr-3428	313	50	to	to	PART
fsr-3428	313	51	consume	consume	VERB
fsr-3428	313	52	at	at	ADP
fsr-3428	313	53	level	level	NOUN
fsr-3428	313	54	c2	c2	PROPN
fsr-3428	313	55	to	to	PART
fsr-3428	313	56	reach	reach	VERB
fsr-3428	313	57	the	the	DET
fsr-3428	313	58	msb	msb	PROPN
fsr-3428	313	59	.	.	PUNCT
fsr-3428	314	1	in	in	ADP
fsr-3428	314	2	this	this	DET
fsr-3428	314	3	case	case	NOUN
fsr-3428	314	4	,	,	PUNCT
fsr-3428	314	5	the	the	DET
fsr-3428	314	6	average	average	ADJ
fsr-3428	314	7	cost	cost	NOUN
fsr-3428	314	8	is	be	AUX
fsr-3428	314	9	$	$	SYM
fsr-3428	314	10	0.89	0.89	NUM
fsr-3428	314	11	per	per	ADP
fsr-3428	314	12	$	$	SYM
fsr-3428	314	13	1	1	NUM
fsr-3428	314	14	spent	spend	VERB
fsr-3428	314	15	.	.	PUNCT
fsr-3428	315	1	the	the	DET
fsr-3428	315	2	consumer	consumer	NOUN
fsr-3428	315	3	would	would	AUX
fsr-3428	315	4	gain	gain	VERB
fsr-3428	315	5	new	new	ADJ
fsr-3428	315	6	consumer	consumer	NOUN
fsr-3428	315	7	surplus	surplus	NOUN
fsr-3428	315	8	equal	equal	ADJ
fsr-3428	315	9	to	to	ADP
fsr-3428	315	10	area	area	NOUN
fsr-3428	315	11	c.	c.	PROPN
fsr-3428	315	12	however	however	ADV
fsr-3428	315	13	,	,	PUNCT
fsr-3428	315	14	they	they	PRON
fsr-3428	315	15	would	would	AUX
fsr-3428	315	16	also	also	ADV
fsr-3428	315	17	need	need	VERB
fsr-3428	315	18	to	to	PART
fsr-3428	315	19	consume	consume	VERB
fsr-3428	315	20	units	unit	NOUN
fsr-3428	315	21	for	for	ADP
fsr-3428	315	22	which	which	PRON
fsr-3428	315	23	the	the	DET
fsr-3428	315	24	marginal	marginal	ADJ
fsr-3428	315	25	costs	cost	NOUN
fsr-3428	315	26	exceed	exceed	VERB
fsr-3428	315	27	the	the	DET
fsr-3428	315	28	marginal	marginal	ADJ
fsr-3428	315	29	benefits	benefit	NOUN
fsr-3428	315	30	,	,	PUNCT
fsr-3428	315	31	leading	lead	VERB
fsr-3428	315	32	to	to	ADP
fsr-3428	315	33	a	a	DET
fsr-3428	315	34	negative	negative	ADJ
fsr-3428	315	35	consumer	consumer	NOUN
fsr-3428	315	36	surplus	surplus	NOUN
fsr-3428	315	37	of	of	ADP
fsr-3428	315	38	area	area	NOUN
fsr-3428	315	39	d.	d.	PROPN
fsr-3428	315	40	while	while	SCONJ
fsr-3428	315	41	this	this	PRON
fsr-3428	315	42	seems	seem	VERB
fsr-3428	315	43	strange	strange	ADJ
fsr-3428	315	44	,	,	PUNCT
fsr-3428	315	45	the	the	DET
fsr-3428	315	46	logic	logic	NOUN
fsr-3428	315	47	of	of	ADP
fsr-3428	315	48	such	such	DET
fsr-3428	315	49	a	a	DET
fsr-3428	315	50	choice	choice	NOUN
fsr-3428	315	51	is	be	AUX
fsr-3428	315	52	feasible	feasible	ADJ
fsr-3428	315	53	.	.	PUNCT
fsr-3428	316	1	perhaps	perhaps	ADV
fsr-3428	316	2	this	this	DET
fsr-3428	316	3	consumer	consumer	NOUN
fsr-3428	316	4	only	only	ADV
fsr-3428	316	5	spends	spend	VERB
fsr-3428	316	6	$	$	SYM
fsr-3428	316	7	1,000	1,000	NUM
fsr-3428	316	8	when	when	SCONJ
fsr-3428	316	9	using	use	VERB
fsr-3428	316	10	a	a	DET
fsr-3428	316	11	simple	simple	ADJ
fsr-3428	316	12	one	one	NUM
fsr-3428	316	13	percent	percent	NOUN
fsr-3428	316	14	cash	cash	NOUN
fsr-3428	316	15	-	-	PUNCT
fsr-3428	316	16	back	back	NOUN
fsr-3428	316	17	card	card	NOUN
fsr-3428	316	18	,	,	PUNCT
fsr-3428	316	19	but	but	CCONJ
fsr-3428	316	20	would	would	AUX
fsr-3428	316	21	choose	choose	VERB
fsr-3428	316	22	to	to	PART
fsr-3428	316	23	spend	spend	VERB
fsr-3428	316	24	$	$	SYM
fsr-3428	316	25	2,200	2,200	NUM
fsr-3428	316	26	in	in	ADP
fsr-3428	316	27	total	total	NOUN
fsr-3428	316	28	if	if	SCONJ
fsr-3428	316	29	the	the	DET
fsr-3428	316	30	effective	effective	ADJ
fsr-3428	316	31	cost	cost	NOUN
fsr-3428	316	32	per	per	ADP
fsr-3428	316	33	dollar	dollar	NOUN
fsr-3428	316	34	spent	spend	VERB
fsr-3428	316	35	were	be	AUX
fsr-3428	316	36	reduced	reduce	VERB
fsr-3428	316	37	to	to	ADP
fsr-3428	316	38	$	$	SYM
fsr-3428	316	39	0.89	0.89	NUM
fsr-3428	316	40	.	.	PUNCT
fsr-3428	317	1	this	this	DET
fsr-3428	317	2	consumer	consumer	NOUN
fsr-3428	317	3	may	may	AUX
fsr-3428	317	4	be	be	AUX
fsr-3428	317	5	willing	willing	ADJ
fsr-3428	317	6	to	to	PART
fsr-3428	317	7	spend	spend	VERB
fsr-3428	317	8	an	an	DET
fsr-3428	317	9	additional	additional	ADJ
fsr-3428	317	10	$	$	SYM
fsr-3428	317	11	800	800	NUM
fsr-3428	317	12	to	to	PART
fsr-3428	317	13	buy	buy	VERB
fsr-3428	317	14	goods	good	NOUN
fsr-3428	317	15	and	and	CCONJ
fsr-3428	317	16	services	service	NOUN
fsr-3428	317	17	that	that	PRON
fsr-3428	317	18	they	they	PRON
fsr-3428	317	19	only	only	ADV
fsr-3428	317	20	value	value	VERB
fsr-3428	317	21	at	at	ADP
fsr-3428	317	22	$	$	SYM
fsr-3428	317	23	600	600	NUM
fsr-3428	317	24	to	to	PART
fsr-3428	317	25	reduce	reduce	VERB
fsr-3428	317	26	their	their	PRON
fsr-3428	317	27	average	average	ADJ
fsr-3428	317	28	cost	cost	NOUN
fsr-3428	317	29	.	.	PUNCT
fsr-3428	318	1	graphically	graphically	ADV
fsr-3428	318	2	,	,	PUNCT
fsr-3428	318	3	the	the	DET
fsr-3428	318	4	consumer	consumer	NOUN
fsr-3428	318	5	is	be	AUX
fsr-3428	318	6	left	leave	VERB
fsr-3428	318	7	with	with	ADP
fsr-3428	318	8	an	an	DET
fsr-3428	318	9	interesting	interesting	ADJ
fsr-3428	318	10	choice	choice	NOUN
fsr-3428	318	11	.	.	PUNCT
fsr-3428	319	1	if	if	SCONJ
fsr-3428	319	2	area	area	NOUN
fsr-3428	319	3	c	c	PROPN
fsr-3428	319	4	is	be	AUX
fsr-3428	319	5	greater	great	ADJ
fsr-3428	319	6	than	than	ADP
fsr-3428	319	7	area	area	NOUN
fsr-3428	319	8	d	d	PROPN
fsr-3428	319	9	,	,	PUNCT
fsr-3428	319	10	the	the	DET
fsr-3428	319	11	consumer	consumer	NOUN
fsr-3428	319	12	should	should	AUX
fsr-3428	319	13	choose	choose	VERB
fsr-3428	319	14	to	to	PART
fsr-3428	319	15	spend	spend	VERB
fsr-3428	319	16	enough	enough	ADJ
fsr-3428	319	17	money	money	NOUN
fsr-3428	319	18	to	to	PART
fsr-3428	319	19	reach	reach	VERB
fsr-3428	319	20	the	the	DET
fsr-3428	319	21	msb	msb	PROPN
fsr-3428	319	22	(	(	PUNCT
fsr-3428	319	23	and	and	CCONJ
fsr-3428	319	24	then	then	ADV
fsr-3428	319	25	cease	cease	VERB
fsr-3428	319	26	consuming	consuming	NOUN
fsr-3428	319	27	)	)	PUNCT
fsr-3428	319	28	.	.	PUNCT
fsr-3428	320	1	if	if	SCONJ
fsr-3428	320	2	area	area	NOUN
fsr-3428	320	3	d	d	NOUN
fsr-3428	320	4	,	,	PUNCT
fsr-3428	320	5	however	however	ADV
fsr-3428	320	6	,	,	PUNCT
fsr-3428	320	7	is	be	AUX
fsr-3428	320	8	greater	great	ADJ
fsr-3428	320	9	than	than	ADP
fsr-3428	320	10	c	c	NOUN
fsr-3428	320	11	,	,	PUNCT
fsr-3428	320	12	this	this	DET
fsr-3428	320	13	consumer	consumer	NOUN
fsr-3428	320	14	will	will	AUX
fsr-3428	320	15	merely	merely	ADV
fsr-3428	320	16	consume	consume	VERB
fsr-3428	320	17	at	at	ADP
fsr-3428	320	18	level	level	NOUN
fsr-3428	320	19	c1	c1	NOUN
fsr-3428	320	20	,	,	PUNCT
fsr-3428	320	21	earning	earn	VERB
fsr-3428	320	22	the	the	DET
fsr-3428	320	23	flat	flat	ADJ
fsr-3428	320	24	cash	cash	NOUN
fsr-3428	320	25	-	-	PUNCT
fsr-3428	320	26	back	back	NOUN
fsr-3428	320	27	rate	rate	NOUN
fsr-3428	320	28	of	of	ADP
fsr-3428	320	29	one	one	NUM
fsr-3428	320	30	percent	percent	NOUN
fsr-3428	320	31	.	.	PUNCT
fsr-3428	321	1	in	in	ADP
fsr-3428	321	2	the	the	DET
fsr-3428	321	3	former	former	ADJ
fsr-3428	321	4	case	case	NOUN
fsr-3428	321	5	,	,	PUNCT
fsr-3428	321	6	it	it	PRON
fsr-3428	321	7	is	be	AUX
fsr-3428	321	8	possible	possible	ADJ
fsr-3428	321	9	that	that	SCONJ
fsr-3428	321	10	consumers	consumer	NOUN
fsr-3428	321	11	could	could	AUX
fsr-3428	321	12	increase	increase	VERB
fsr-3428	321	13	spending	spend	VERB
fsr-3428	321	14	to	to	ADP
fsr-3428	321	15	such	such	DET
fsr-3428	321	16	a	a	DET
fsr-3428	321	17	degree	degree	NOUN
fsr-3428	321	18	that	that	SCONJ
fsr-3428	321	19	this	this	PRON
fsr-3428	321	20	could	could	AUX
fsr-3428	321	21	greatly	greatly	ADV
fsr-3428	321	22	reduce	reduce	VERB
fsr-3428	321	23	their	their	PRON
fsr-3428	321	24	savings	saving	NOUN
fsr-3428	321	25	rate	rate	NOUN
fsr-3428	321	26	.	.	PUNCT
fsr-3428	322	1	however	however	ADV
fsr-3428	322	2	,	,	PUNCT
fsr-3428	322	3	as	as	SCONJ
fsr-3428	322	4	in	in	ADP
fsr-3428	322	5	prior	prior	ADJ
fsr-3428	322	6	cases	case	NOUN
fsr-3428	322	7	,	,	PUNCT
fsr-3428	322	8	this	this	DET
fsr-3428	322	9	reduction	reduction	NOUN
fsr-3428	322	10	in	in	ADP
fsr-3428	322	11	savings	saving	NOUN
fsr-3428	322	12	would	would	AUX
fsr-3428	322	13	be	be	AUX
fsr-3428	322	14	a	a	DET
fsr-3428	322	15	conscious	conscious	ADJ
fsr-3428	322	16	choice	choice	NOUN
fsr-3428	322	17	made	make	VERB
fsr-3428	322	18	by	by	ADP
fsr-3428	322	19	the	the	DET
fsr-3428	322	20	consumer	consumer	NOUN
fsr-3428	322	21	that	that	PRON
fsr-3428	322	22	would	would	AUX
fsr-3428	322	23	increase	increase	VERB
fsr-3428	322	24	consumer	consumer	NOUN
fsr-3428	322	25	surplus	surplus	NOUN
fsr-3428	322	26	,	,	PUNCT
fsr-3428	322	27	and	and	CCONJ
fsr-3428	322	28	in	in	ADP
fsr-3428	322	29	turn	turn	NOUN
fsr-3428	322	30	,	,	PUNCT
fsr-3428	322	31	yield	yield	VERB
fsr-3428	322	32	higher	high	ADJ
fsr-3428	322	33	utility	utility	NOUN
fsr-3428	322	34	levels	level	NOUN
fsr-3428	322	35	.	.	PUNCT
fsr-3428	323	1	fig	fig	NOUN
fsr-3428	323	2	.	.	PUNCT
fsr-3428	324	1	7	7	X
fsr-3428	324	2	.	.	X
fsr-3428	324	3	consumption	consumption	NOUN
fsr-3428	324	4	with	with	ADP
fsr-3428	324	5	a	a	DET
fsr-3428	324	6	minimum	minimum	ADJ
fsr-3428	324	7	spend	spend	NOUN
fsr-3428	324	8	bonus	bonus	NOUN
fsr-3428	324	9	(	(	PUNCT
fsr-3428	324	10	low	low	ADJ
fsr-3428	324	11	demand	demand	NOUN
fsr-3428	324	12	)	)	PUNCT
fsr-3428	324	13	.	.	PUNCT
fsr-3428	325	1	n.	n.	PROPN
fsr-3428	325	2	macdonald	macdonald	PROPN
fsr-3428	325	3	,	,	PUNCT
fsr-3428	325	4	b.	b.	PROPN
fsr-3428	325	5	evans	evans	PROPN
fsr-3428	325	6	/	/	SYM
fsr-3428	325	7	financial	financial	ADJ
fsr-3428	325	8	services	service	NOUN
fsr-3428	325	9	review	review	VERB
fsr-3428	325	10	28	28	NUM
fsr-3428	325	11	(	(	PUNCT
fsr-3428	325	12	2020	2020	NUM
fsr-3428	325	13	)	)	PUNCT
fsr-3428	326	1	223–242	223–242	NUM
fsr-3428	326	2	237	237	NUM
fsr-3428	326	3	6	6	NUM
fsr-3428	326	4	.	.	PUNCT
fsr-3428	326	5	discussion	discussion	NOUN
fsr-3428	326	6	in	in	ADP
fsr-3428	326	7	light	light	NOUN
fsr-3428	326	8	of	of	ADP
fsr-3428	326	9	the	the	DET
fsr-3428	326	10	novel	novel	NOUN
fsr-3428	326	11	,	,	PUNCT
fsr-3428	326	12	and	and	CCONJ
fsr-3428	326	13	at	at	ADP
fsr-3428	326	14	times	time	NOUN
fsr-3428	326	15	,	,	PUNCT
fsr-3428	326	16	complicated	complicated	ADJ
fsr-3428	326	17	,	,	PUNCT
fsr-3428	326	18	models	model	NOUN
fsr-3428	326	19	described	describe	VERB
fsr-3428	326	20	in	in	ADP
fsr-3428	326	21	section	section	NOUN
fsr-3428	326	22	4	4	NUM
fsr-3428	326	23	,	,	PUNCT
fsr-3428	326	24	we	we	PRON
fsr-3428	326	25	hope	hope	VERB
fsr-3428	326	26	that	that	SCONJ
fsr-3428	326	27	the	the	DET
fsr-3428	326	28	overall	overall	ADJ
fsr-3428	326	29	findings	finding	NOUN
fsr-3428	326	30	will	will	AUX
fsr-3428	326	31	leave	leave	VERB
fsr-3428	326	32	the	the	DET
fsr-3428	326	33	reader	reader	NOUN
fsr-3428	326	34	with	with	ADP
fsr-3428	326	35	an	an	DET
fsr-3428	326	36	enhanced	enhanced	ADJ
fsr-3428	326	37	understanding	understanding	NOUN
fsr-3428	326	38	of	of	ADP
fsr-3428	326	39	how	how	SCONJ
fsr-3428	326	40	credit	credit	NOUN
fsr-3428	326	41	card	card	NOUN
fsr-3428	326	42	use	use	NOUN
fsr-3428	326	43	effects	effect	NOUN
fsr-3428	326	44	consumer	consumer	NOUN
fsr-3428	326	45	spending	spending	NOUN
fsr-3428	326	46	.	.	PUNCT
fsr-3428	327	1	using	use	VERB
fsr-3428	327	2	simple	simple	ADJ
fsr-3428	327	3	demand	demand	NOUN
fsr-3428	327	4	curves	curve	NOUN
fsr-3428	327	5	for	for	ADP
fsr-3428	327	6	all	all	DET
fsr-3428	327	7	products	product	NOUN
fsr-3428	327	8	,	,	PUNCT
fsr-3428	327	9	we	we	PRON
fsr-3428	327	10	clearly	clearly	ADV
fsr-3428	327	11	show	show	VERB
fsr-3428	327	12	that	that	SCONJ
fsr-3428	327	13	even	even	ADV
fsr-3428	327	14	for	for	ADP
fsr-3428	327	15	rational	rational	ADJ
fsr-3428	327	16	consumers	consumer	NOUN
fsr-3428	327	17	,	,	PUNCT
fsr-3428	327	18	cash	cash	NOUN
fsr-3428	327	19	-	-	PUNCT
fsr-3428	327	20	back	back	NOUN
fsr-3428	327	21	credit	credit	NOUN
fsr-3428	327	22	cards	card	NOUN
fsr-3428	327	23	,	,	PUNCT
fsr-3428	327	24	will	will	AUX
fsr-3428	327	25	,	,	PUNCT
fsr-3428	327	26	in	in	ADP
fsr-3428	327	27	some	some	DET
fsr-3428	327	28	scenarios	scenario	NOUN
fsr-3428	327	29	,	,	PUNCT
fsr-3428	327	30	incentivize	incentivize	VERB
fsr-3428	327	31	increased	increase	VERB
fsr-3428	327	32	consumer	consumer	NOUN
fsr-3428	327	33	spending	spending	NOUN
fsr-3428	327	34	(	(	PUNCT
fsr-3428	327	35	even	even	ADV
fsr-3428	327	36	after	after	SCONJ
fsr-3428	327	37	the	the	DET
fsr-3428	327	38	consumer	consumer	NOUN
fsr-3428	327	39	receives	receive	VERB
fsr-3428	327	40	the	the	DET
fsr-3428	327	41	cashback	cashback	NOUN
fsr-3428	327	42	award	award	NOUN
fsr-3428	327	43	)	)	PUNCT
fsr-3428	327	44	.	.	PUNCT
fsr-3428	328	1	thus	thus	ADV
fsr-3428	328	2	,	,	PUNCT
fsr-3428	328	3	it	it	PRON
fsr-3428	328	4	appears	appear	VERB
fsr-3428	328	5	that	that	SCONJ
fsr-3428	328	6	cash	cash	NOUN
fsr-3428	328	7	-	-	PUNCT
fsr-3428	328	8	back	back	NOUN
fsr-3428	328	9	credit	credit	NOUN
fsr-3428	328	10	cards	card	NOUN
fsr-3428	328	11	could	could	AUX
fsr-3428	328	12	lead	lead	VERB
fsr-3428	328	13	to	to	ADP
fsr-3428	328	14	reduced	reduce	VERB
fsr-3428	328	15	savings	saving	NOUN
fsr-3428	328	16	for	for	ADP
fsr-3428	328	17	some	some	DET
fsr-3428	328	18	consumers	consumer	NOUN
fsr-3428	328	19	,	,	PUNCT
fsr-3428	328	20	potentially	potentially	ADV
fsr-3428	328	21	delaying	delay	VERB
fsr-3428	328	22	retirement	retirement	NOUN
fsr-3428	328	23	.	.	PUNCT
fsr-3428	329	1	prior	prior	ADJ
fsr-3428	329	2	research	research	NOUN
fsr-3428	329	3	has	have	AUX
fsr-3428	329	4	explored	explore	VERB
fsr-3428	329	5	the	the	DET
fsr-3428	329	6	influence	influence	NOUN
fsr-3428	329	7	of	of	ADP
fsr-3428	329	8	behavioral	behavioral	ADJ
fsr-3428	329	9	phenomena	phenomenon	NOUN
fsr-3428	329	10	on	on	ADP
fsr-3428	329	11	consumer	consumer	NOUN
fsr-3428	329	12	spending	spending	NOUN
fsr-3428	329	13	.	.	PUNCT
fsr-3428	330	1	for	for	ADP
fsr-3428	330	2	instance	instance	NOUN
fsr-3428	330	3	,	,	PUNCT
fsr-3428	330	4	chatterjee	chatterjee	PROPN
fsr-3428	330	5	and	and	CCONJ
fsr-3428	330	6	rose	rise	VERB
fsr-3428	330	7	(	(	PUNCT
fsr-3428	330	8	2012	2012	NUM
fsr-3428	330	9	)	)	PUNCT
fsr-3428	330	10	show	show	VERB
fsr-3428	330	11	that	that	SCONJ
fsr-3428	330	12	credit	credit	NOUN
fsr-3428	330	13	card	card	NOUN
fsr-3428	330	14	users	user	NOUN
fsr-3428	330	15	tend	tend	VERB
fsr-3428	330	16	to	to	PART
fsr-3428	330	17	overvalue	overvalue	VERB
fsr-3428	330	18	the	the	DET
fsr-3428	330	19	benefits	benefit	NOUN
fsr-3428	330	20	of	of	ADP
fsr-3428	330	21	goods	good	NOUN
fsr-3428	330	22	and	and	CCONJ
fsr-3428	330	23	services	service	NOUN
fsr-3428	330	24	when	when	SCONJ
fsr-3428	330	25	they	they	PRON
fsr-3428	330	26	use	use	VERB
fsr-3428	330	27	a	a	DET
fsr-3428	330	28	credit	credit	NOUN
fsr-3428	330	29	card	card	NOUN
fsr-3428	330	30	to	to	PART
fsr-3428	330	31	make	make	VERB
fsr-3428	330	32	a	a	DET
fsr-3428	330	33	purchase	purchase	NOUN
fsr-3428	330	34	.	.	PUNCT
fsr-3428	331	1	such	such	ADJ
fsr-3428	331	2	findings	finding	NOUN
fsr-3428	331	3	rely	rely	VERB
fsr-3428	331	4	on	on	ADP
fsr-3428	331	5	distorted	distorted	ADJ
fsr-3428	331	6	behavior	behavior	NOUN
fsr-3428	331	7	that	that	PRON
fsr-3428	331	8	aligns	align	VERB
fsr-3428	331	9	with	with	ADP
fsr-3428	331	10	irrationality	irrationality	NOUN
fsr-3428	331	11	on	on	ADP
fsr-3428	331	12	the	the	DET
fsr-3428	331	13	part	part	NOUN
fsr-3428	331	14	of	of	ADP
fsr-3428	331	15	consumers	consumer	NOUN
fsr-3428	331	16	.	.	PUNCT
fsr-3428	332	1	however	however	ADV
fsr-3428	332	2	,	,	PUNCT
fsr-3428	332	3	our	our	PRON
fsr-3428	332	4	findings	finding	NOUN
fsr-3428	332	5	show	show	VERB
fsr-3428	332	6	that	that	SCONJ
fsr-3428	332	7	even	even	ADV
fsr-3428	332	8	fully	fully	ADV
fsr-3428	332	9	rational	rational	ADJ
fsr-3428	332	10	agents	agent	NOUN
fsr-3428	332	11	may	may	AUX
fsr-3428	332	12	consume	consume	VERB
fsr-3428	332	13	more	more	ADV
fsr-3428	332	14	when	when	SCONJ
fsr-3428	332	15	utilizing	utilize	VERB
fsr-3428	332	16	rewards	reward	VERB
fsr-3428	332	17	credit	credit	NOUN
fsr-3428	332	18	cards	card	NOUN
fsr-3428	332	19	.	.	PUNCT
fsr-3428	333	1	for	for	ADP
fsr-3428	333	2	example	example	NOUN
fsr-3428	333	3	,	,	PUNCT
fsr-3428	333	4	consider	consider	VERB
fsr-3428	333	5	the	the	DET
fsr-3428	333	6	effects	effect	NOUN
fsr-3428	333	7	of	of	ADP
fsr-3428	333	8	a	a	DET
fsr-3428	333	9	simple	simple	ADJ
fsr-3428	333	10	one	one	NUM
fsr-3428	333	11	percent	percent	NOUN
fsr-3428	333	12	cash	cash	NOUN
fsr-3428	333	13	-	-	PUNCT
fsr-3428	333	14	back	back	NOUN
fsr-3428	333	15	credit	credit	NOUN
fsr-3428	333	16	card	card	NOUN
fsr-3428	333	17	.	.	PUNCT
fsr-3428	334	1	given	give	VERB
fsr-3428	334	2	that	that	SCONJ
fsr-3428	334	3	this	this	DET
fsr-3428	334	4	credit	credit	NOUN
fsr-3428	334	5	card	card	NOUN
fsr-3428	334	6	reduces	reduce	VERB
fsr-3428	334	7	the	the	DET
fsr-3428	334	8	cost	cost	NOUN
fsr-3428	334	9	of	of	ADP
fsr-3428	334	10	spending	spending	NOUN
fsr-3428	334	11	,	,	PUNCT
fsr-3428	334	12	we	we	PRON
fsr-3428	334	13	posit	posit	VERB
fsr-3428	334	14	that	that	SCONJ
fsr-3428	334	15	any	any	DET
fsr-3428	334	16	consumer	consumer	NOUN
fsr-3428	334	17	with	with	ADP
fsr-3428	334	18	a	a	DET
fsr-3428	334	19	nonperfectly	nonperfectly	ADV
fsr-3428	334	20	inelastic	inelastic	ADJ
fsr-3428	334	21	demand	demand	NOUN
fsr-3428	334	22	curve	curve	NOUN
fsr-3428	334	23	would	would	AUX
fsr-3428	334	24	spend	spend	VERB
fsr-3428	334	25	more	more	ADJ
fsr-3428	334	26	in	in	ADP
fsr-3428	334	27	the	the	DET
fsr-3428	334	28	face	face	NOUN
fsr-3428	334	29	of	of	ADP
fsr-3428	334	30	this	this	DET
fsr-3428	334	31	new	new	ADJ
fsr-3428	334	32	incentive	incentive	NOUN
fsr-3428	334	33	to	to	PART
fsr-3428	334	34	spend	spend	VERB
fsr-3428	334	35	.	.	PUNCT
fsr-3428	335	1	however	however	ADV
fsr-3428	335	2	,	,	PUNCT
fsr-3428	335	3	the	the	DET
fsr-3428	335	4	overall	overall	ADJ
fsr-3428	335	5	effects	effect	NOUN
fsr-3428	335	6	on	on	ADP
fsr-3428	335	7	spending	spending	NOUN
fsr-3428	335	8	,	,	PUNCT
fsr-3428	335	9	once	once	ADV
fsr-3428	335	10	cash	cash	NOUN
fsr-3428	335	11	-	-	PUNCT
fsr-3428	335	12	back	back	NOUN
fsr-3428	335	13	rewards	reward	NOUN
fsr-3428	335	14	are	be	AUX
fsr-3428	335	15	considered	consider	VERB
fsr-3428	335	16	,	,	PUNCT
fsr-3428	335	17	depend	depend	VERB
fsr-3428	335	18	on	on	ADP
fsr-3428	335	19	how	how	SCONJ
fsr-3428	335	20	much	much	ADJ
fsr-3428	335	21	extra	extra	ADJ
fsr-3428	335	22	spending	spending	NOUN
fsr-3428	335	23	the	the	DET
fsr-3428	335	24	consumer	consumer	NOUN
fsr-3428	335	25	chose	choose	VERB
fsr-3428	335	26	to	to	PART
fsr-3428	335	27	make	make	VERB
fsr-3428	335	28	.	.	PUNCT
fsr-3428	336	1	if	if	SCONJ
fsr-3428	336	2	the	the	DET
fsr-3428	336	3	one	one	NUM
fsr-3428	336	4	percent	percent	NOUN
fsr-3428	336	5	cashback	cashback	NOUN
fsr-3428	336	6	rewards	reward	NOUN
fsr-3428	336	7	card	card	NOUN
fsr-3428	336	8	caused	cause	VERB
fsr-3428	336	9	a	a	DET
fsr-3428	336	10	consumer	consumer	NOUN
fsr-3428	336	11	to	to	PART
fsr-3428	336	12	increase	increase	VERB
fsr-3428	336	13	consumption	consumption	NOUN
fsr-3428	336	14	by	by	ADP
fsr-3428	336	15	0.5	0.5	NUM
fsr-3428	336	16	%	%	NOUN
fsr-3428	336	17	,	,	PUNCT
fsr-3428	336	18	this	this	DET
fsr-3428	336	19	consumer	consumer	NOUN
fsr-3428	336	20	will	will	AUX
fsr-3428	336	21	actually	actually	ADV
fsr-3428	336	22	spend	spend	VERB
fsr-3428	336	23	less	less	ADJ
fsr-3428	336	24	money	money	NOUN
fsr-3428	336	25	once	once	SCONJ
fsr-3428	336	26	the	the	DET
fsr-3428	336	27	cash	cash	NOUN
fsr-3428	336	28	-	-	PUNCT
fsr-3428	336	29	back	back	NOUN
fsr-3428	336	30	reward	reward	NOUN
fsr-3428	336	31	is	be	AUX
fsr-3428	336	32	attributed	attribute	VERB
fsr-3428	336	33	to	to	ADP
fsr-3428	336	34	her	her	PRON
fsr-3428	336	35	account	account	NOUN
fsr-3428	336	36	.	.	PUNCT
fsr-3428	337	1	this	this	DET
fsr-3428	337	2	consumer	consumer	NOUN
fsr-3428	337	3	has	have	VERB
fsr-3428	337	4	an	an	DET
fsr-3428	337	5	inelastic	inelastic	ADJ
fsr-3428	337	6	demand	demand	NOUN
fsr-3428	337	7	curve	curve	NOUN
fsr-3428	337	8	;	;	PUNCT
fsr-3428	337	9	thus	thus	ADV
fsr-3428	337	10	,	,	PUNCT
fsr-3428	337	11	her	her	PRON
fsr-3428	337	12	effective	effective	ADJ
fsr-3428	337	13	spending	spending	NOUN
fsr-3428	337	14	drops	drop	NOUN
fsr-3428	337	15	and	and	CCONJ
fsr-3428	337	16	her	her	PRON
fsr-3428	337	17	savings	savings	NOUN
fsr-3428	337	18	rate	rate	NOUN
fsr-3428	337	19	increases	increase	NOUN
fsr-3428	337	20	.	.	PUNCT
fsr-3428	338	1	in	in	ADP
fsr-3428	338	2	contrast	contrast	NOUN
fsr-3428	338	3	,	,	PUNCT
fsr-3428	338	4	if	if	SCONJ
fsr-3428	338	5	the	the	DET
fsr-3428	338	6	one	one	NUM
fsr-3428	338	7	percent	percent	NOUN
fsr-3428	338	8	cash	cash	NOUN
fsr-3428	338	9	-	-	PUNCT
fsr-3428	338	10	back	back	NOUN
fsr-3428	338	11	card	card	NOUN
fsr-3428	338	12	causes	cause	VERB
fsr-3428	338	13	the	the	DET
fsr-3428	338	14	consumer	consumer	NOUN
fsr-3428	338	15	to	to	PART
fsr-3428	338	16	spend	spend	VERB
fsr-3428	338	17	three	three	NUM
fsr-3428	338	18	percent	percent	NOUN
fsr-3428	338	19	more	more	ADJ
fsr-3428	338	20	on	on	ADP
fsr-3428	338	21	goods	good	NOUN
fsr-3428	338	22	and	and	CCONJ
fsr-3428	338	23	services	service	NOUN
fsr-3428	338	24	,	,	PUNCT
fsr-3428	338	25	this	this	DET
fsr-3428	338	26	consumer	consumer	NOUN
fsr-3428	338	27	will	will	AUX
fsr-3428	338	28	,	,	PUNCT
fsr-3428	338	29	effectively	effectively	ADV
fsr-3428	338	30	,	,	PUNCT
fsr-3428	338	31	increase	increase	VERB
fsr-3428	338	32	spending	spending	NOUN
fsr-3428	338	33	by	by	ADP
fsr-3428	338	34	two	two	NUM
fsr-3428	338	35	percent	percent	NOUN
fsr-3428	338	36	and	and	CCONJ
fsr-3428	338	37	reduce	reduce	VERB
fsr-3428	338	38	savings	saving	NOUN
fsr-3428	338	39	.	.	PUNCT
fsr-3428	339	1	thus	thus	ADV
fsr-3428	339	2	,	,	PUNCT
fsr-3428	339	3	for	for	ADP
fsr-3428	339	4	the	the	DET
fsr-3428	339	5	consumer	consumer	NOUN
fsr-3428	339	6	using	use	VERB
fsr-3428	339	7	a	a	DET
fsr-3428	339	8	simple	simple	ADJ
fsr-3428	339	9	cash	cash	NOUN
fsr-3428	339	10	-	-	PUNCT
fsr-3428	339	11	back	back	NOUN
fsr-3428	339	12	credit	credit	NOUN
fsr-3428	339	13	card	card	NOUN
fsr-3428	339	14	,	,	PUNCT
fsr-3428	339	15	the	the	DET
fsr-3428	339	16	more	more	ADV
fsr-3428	339	17	elastic	elastic	ADJ
fsr-3428	339	18	their	their	PRON
fsr-3428	339	19	demand	demand	NOUN
fsr-3428	339	20	for	for	ADP
fsr-3428	339	21	all	all	DET
fsr-3428	339	22	goods	good	NOUN
fsr-3428	339	23	and	and	CCONJ
fsr-3428	339	24	services	service	NOUN
fsr-3428	339	25	,	,	PUNCT
fsr-3428	339	26	the	the	DET
fsr-3428	339	27	more	more	ADJ
fsr-3428	339	28	spending	spending	NOUN
fsr-3428	339	29	will	will	AUX
fsr-3428	339	30	increase	increase	VERB
fsr-3428	339	31	as	as	ADP
fsr-3428	339	32	a	a	DET
fsr-3428	339	33	result	result	NOUN
fsr-3428	339	34	of	of	ADP
fsr-3428	339	35	cash	cash	NOUN
fsr-3428	339	36	-	-	PUNCT
fsr-3428	339	37	back	back	NOUN
fsr-3428	339	38	credit	credit	NOUN
fsr-3428	339	39	card	card	NOUN
fsr-3428	339	40	utilization	utilization	NOUN
fsr-3428	339	41	.	.	PUNCT
fsr-3428	340	1	elastic	elastic	ADJ
fsr-3428	340	2	demand	demand	NOUN
fsr-3428	340	3	curves	curve	NOUN
fsr-3428	340	4	are	be	AUX
fsr-3428	340	5	not	not	PART
fsr-3428	340	6	the	the	DET
fsr-3428	340	7	only	only	ADJ
fsr-3428	340	8	potential	potential	ADJ
fsr-3428	340	9	culprit	culprit	NOUN
fsr-3428	340	10	of	of	ADP
fsr-3428	340	11	increased	increase	VERB
fsr-3428	340	12	spending	spending	NOUN
fsr-3428	340	13	.	.	PUNCT
fsr-3428	341	1	minimum	minimum	ADJ
fsr-3428	341	2	spend	spend	NOUN
fsr-3428	341	3	bonuses	bonus	NOUN
fsr-3428	341	4	offered	offer	VERB
fsr-3428	341	5	by	by	ADP
fsr-3428	341	6	many	many	ADJ
fsr-3428	341	7	rewards	reward	NOUN
fsr-3428	341	8	credit	credit	NOUN
fsr-3428	341	9	cards	card	NOUN
fsr-3428	341	10	may	may	AUX
fsr-3428	341	11	also	also	ADV
fsr-3428	341	12	lead	lead	VERB
fsr-3428	341	13	to	to	ADP
fsr-3428	341	14	increased	increase	VERB
fsr-3428	341	15	spending	spending	NOUN
fsr-3428	341	16	.	.	PUNCT
fsr-3428	342	1	for	for	ADP
fsr-3428	342	2	example	example	NOUN
fsr-3428	342	3	,	,	PUNCT
fsr-3428	342	4	the	the	DET
fsr-3428	342	5	capital	capital	NOUN
fsr-3428	342	6	one	one	NUM
fsr-3428	342	7	cash	cash	NOUN
fsr-3428	342	8	rewards	reward	VERB
fsr-3428	342	9	savor	savor	NOUN
fsr-3428	342	10	card	card	NOUN
fsr-3428	342	11	offers	offer	VERB
fsr-3428	342	12	$	$	SYM
fsr-3428	342	13	300	300	NUM
fsr-3428	342	14	cash	cash	NOUN
fsr-3428	342	15	-	-	PUNCT
fsr-3428	342	16	back	back	NOUN
fsr-3428	342	17	reward	reward	NOUN
fsr-3428	342	18	for	for	ADP
fsr-3428	342	19	a	a	DET
fsr-3428	342	20	consumer	consumer	NOUN
fsr-3428	342	21	that	that	PRON
fsr-3428	342	22	manages	manage	VERB
fsr-3428	342	23	to	to	PART
fsr-3428	342	24	spend	spend	VERB
fsr-3428	342	25	$	$	SYM
fsr-3428	342	26	3,000	3,000	NUM
fsr-3428	342	27	over	over	ADP
fsr-3428	342	28	their	their	PRON
fsr-3428	342	29	first	first	ADJ
fsr-3428	342	30	three	three	NUM
fsr-3428	342	31	months	month	NOUN
fsr-3428	342	32	of	of	ADP
fsr-3428	342	33	card	card	NOUN
fsr-3428	342	34	ownership	ownership	NOUN
fsr-3428	342	35	.	.	PUNCT
fsr-3428	343	1	for	for	ADP
fsr-3428	343	2	a	a	DET
fsr-3428	343	3	rational	rational	ADJ
fsr-3428	343	4	consumer	consumer	NOUN
fsr-3428	343	5	that	that	PRON
fsr-3428	343	6	already	already	ADV
fsr-3428	343	7	spends	spend	VERB
fsr-3428	343	8	this	this	DET
fsr-3428	343	9	much	much	ADJ
fsr-3428	343	10	money	money	NOUN
fsr-3428	343	11	quarterly	quarterly	ADV
fsr-3428	343	12	,	,	PUNCT
fsr-3428	343	13	this	this	DET
fsr-3428	343	14	card	card	NOUN
fsr-3428	343	15	will	will	AUX
fsr-3428	343	16	likely	likely	ADV
fsr-3428	343	17	lead	lead	VERB
fsr-3428	343	18	to	to	ADP
fsr-3428	343	19	reduced	reduce	VERB
fsr-3428	343	20	effective	effective	ADJ
fsr-3428	343	21	spending	spending	NOUN
fsr-3428	343	22	and	and	CCONJ
fsr-3428	343	23	an	an	DET
fsr-3428	343	24	increased	increase	VERB
fsr-3428	343	25	savings	savings	NOUN
fsr-3428	343	26	rate	rate	NOUN
fsr-3428	343	27	.	.	PUNCT
fsr-3428	344	1	however	however	ADV
fsr-3428	344	2	,	,	PUNCT
fsr-3428	344	3	some	some	DET
fsr-3428	344	4	consumers	consumer	NOUN
fsr-3428	344	5	that	that	PRON
fsr-3428	344	6	typically	typically	ADV
fsr-3428	344	7	spend	spend	VERB
fsr-3428	344	8	much	much	ADV
fsr-3428	344	9	less	less	ADJ
fsr-3428	344	10	may	may	AUX
fsr-3428	344	11	rationally	rationally	ADV
fsr-3428	344	12	choose	choose	VERB
fsr-3428	344	13	to	to	PART
fsr-3428	344	14	spend	spend	VERB
fsr-3428	344	15	just	just	ADV
fsr-3428	344	16	enough	enough	ADJ
fsr-3428	344	17	to	to	PART
fsr-3428	344	18	reach	reach	VERB
fsr-3428	344	19	the	the	DET
fsr-3428	344	20	threshold	threshold	NOUN
fsr-3428	344	21	.	.	PUNCT
fsr-3428	345	1	for	for	ADP
fsr-3428	345	2	example	example	NOUN
fsr-3428	345	3	,	,	PUNCT
fsr-3428	345	4	a	a	DET
fsr-3428	345	5	consumer	consumer	NOUN
fsr-3428	345	6	that	that	PRON
fsr-3428	345	7	spends	spend	VERB
fsr-3428	345	8	$	$	SYM
fsr-3428	345	9	2,000	2,000	NUM
fsr-3428	345	10	every	every	DET
fsr-3428	345	11	three	three	NUM
fsr-3428	345	12	months	month	NOUN
fsr-3428	345	13	may	may	AUX
fsr-3428	345	14	find	find	VERB
fsr-3428	345	15	it	it	PRON
fsr-3428	345	16	beneficial	beneficial	ADJ
fsr-3428	345	17	to	to	PART
fsr-3428	345	18	spend	spend	VERB
fsr-3428	345	19	$	$	SYM
fsr-3428	345	20	1,000	1,000	NUM
fsr-3428	345	21	extra	extra	ADJ
fsr-3428	345	22	to	to	PART
fsr-3428	345	23	earn	earn	VERB
fsr-3428	345	24	the	the	DET
fsr-3428	345	25	$	$	SYM
fsr-3428	345	26	300	300	NUM
fsr-3428	345	27	reward	reward	NOUN
fsr-3428	345	28	,	,	PUNCT
fsr-3428	345	29	leading	lead	VERB
fsr-3428	345	30	to	to	ADP
fsr-3428	345	31	a	a	DET
fsr-3428	345	32	$	$	SYM
fsr-3428	345	33	700	700	NUM
fsr-3428	345	34	increase	increase	NOUN
fsr-3428	345	35	in	in	ADP
fsr-3428	345	36	effective	effective	ADJ
fsr-3428	345	37	spending	spending	NOUN
fsr-3428	345	38	.	.	PUNCT
fsr-3428	346	1	in	in	ADP
fsr-3428	346	2	both	both	DET
fsr-3428	346	3	cases	case	NOUN
fsr-3428	346	4	described	describe	VERB
fsr-3428	346	5	above	above	ADV
fsr-3428	346	6	,	,	PUNCT
fsr-3428	346	7	it	it	PRON
fsr-3428	346	8	is	be	AUX
fsr-3428	346	9	important	important	ADJ
fsr-3428	346	10	to	to	PART
fsr-3428	346	11	understand	understand	VERB
fsr-3428	346	12	that	that	SCONJ
fsr-3428	346	13	these	these	DET
fsr-3428	346	14	consumption	consumption	NOUN
fsr-3428	346	15	increases	increase	NOUN
fsr-3428	346	16	made	make	VERB
fsr-3428	346	17	by	by	ADP
fsr-3428	346	18	the	the	DET
fsr-3428	346	19	consumers	consumer	NOUN
fsr-3428	346	20	are	be	AUX
fsr-3428	346	21	still	still	ADV
fsr-3428	346	22	rational	rational	ADJ
fsr-3428	346	23	—	—	PUNCT
fsr-3428	346	24	these	these	DET
fsr-3428	346	25	choices	choice	NOUN
fsr-3428	346	26	make	make	VERB
fsr-3428	346	27	the	the	DET
fsr-3428	346	28	consumer	consumer	NOUN
fsr-3428	346	29	better	well	ADV
fsr-3428	346	30	off	off	ADV
fsr-3428	346	31	.	.	PUNCT
fsr-3428	347	1	we	we	PRON
fsr-3428	347	2	show	show	VERB
fsr-3428	347	3	in	in	ADP
fsr-3428	347	4	our	our	PRON
fsr-3428	347	5	graphical	graphical	ADJ
fsr-3428	347	6	analyses	analysis	NOUN
fsr-3428	347	7	that	that	SCONJ
fsr-3428	347	8	consumers	consumer	NOUN
fsr-3428	347	9	will	will	AUX
fsr-3428	347	10	increase	increase	VERB
fsr-3428	347	11	consumer	consumer	NOUN
fsr-3428	347	12	surplus	surplus	NOUN
fsr-3428	347	13	by	by	ADP
fsr-3428	347	14	making	make	VERB
fsr-3428	347	15	these	these	DET
fsr-3428	347	16	savings	saving	NOUN
fsr-3428	347	17	-	-	PUNCT
fsr-3428	347	18	reducing	reduce	VERB
fsr-3428	347	19	consumption	consumption	NOUN
fsr-3428	347	20	choices	choice	NOUN
fsr-3428	347	21	.	.	PUNCT
fsr-3428	348	1	thus	thus	ADV
fsr-3428	348	2	,	,	PUNCT
fsr-3428	348	3	it	it	PRON
fsr-3428	348	4	seems	seem	VERB
fsr-3428	348	5	that	that	SCONJ
fsr-3428	348	6	credit	credit	NOUN
fsr-3428	348	7	cards	card	NOUN
fsr-3428	348	8	may	may	AUX
fsr-3428	348	9	put	put	VERB
fsr-3428	348	10	many	many	ADJ
fsr-3428	348	11	consumers	consumer	NOUN
fsr-3428	348	12	in	in	ADP
fsr-3428	348	13	an	an	DET
fsr-3428	348	14	awkward	awkward	ADJ
fsr-3428	348	15	position	position	NOUN
fsr-3428	348	16	—	—	PUNCT
fsr-3428	348	17	the	the	DET
fsr-3428	348	18	rational	rational	ADJ
fsr-3428	348	19	consumer	consumer	NOUN
fsr-3428	348	20	may	may	AUX
fsr-3428	348	21	choose	choose	VERB
fsr-3428	348	22	to	to	PART
fsr-3428	348	23	spend	spend	VERB
fsr-3428	348	24	more	more	ADJ
fsr-3428	348	25	,	,	PUNCT
fsr-3428	348	26	increasing	increase	VERB
fsr-3428	348	27	utility	utility	NOUN
fsr-3428	348	28	,	,	PUNCT
fsr-3428	348	29	but	but	CCONJ
fsr-3428	348	30	reducing	reduce	VERB
fsr-3428	348	31	savings	saving	NOUN
fsr-3428	348	32	.	.	PUNCT
fsr-3428	349	1	238	238	NUM
fsr-3428	349	2	n.	n.	PROPN
fsr-3428	349	3	macdonald	macdonald	PROPN
fsr-3428	349	4	,	,	PUNCT
fsr-3428	349	5	b.	b.	PROPN
fsr-3428	349	6	evans	evans	PROPN
fsr-3428	349	7	/	/	SYM
fsr-3428	349	8	financial	financial	ADJ
fsr-3428	349	9	services	service	NOUN
fsr-3428	349	10	review	review	VERB
fsr-3428	349	11	28	28	NUM
fsr-3428	349	12	(	(	PUNCT
fsr-3428	349	13	2020	2020	NUM
fsr-3428	349	14	)	)	PUNCT
fsr-3428	350	1	223–242	223–242	NUM
fsr-3428	350	2	the	the	DET
fsr-3428	350	3	findings	finding	NOUN
fsr-3428	350	4	from	from	ADP
fsr-3428	350	5	this	this	DET
fsr-3428	350	6	theoretical	theoretical	ADJ
fsr-3428	350	7	study	study	NOUN
fsr-3428	350	8	may	may	AUX
fsr-3428	350	9	do	do	VERB
fsr-3428	350	10	little	little	ADJ
fsr-3428	350	11	to	to	PART
fsr-3428	350	12	temper	temper	VERB
fsr-3428	350	13	any	any	DET
fsr-3428	350	14	arguments	argument	NOUN
fsr-3428	350	15	regarding	regard	VERB
fsr-3428	350	16	the	the	DET
fsr-3428	350	17	efficacy	efficacy	NOUN
fsr-3428	350	18	of	of	ADP
fsr-3428	350	19	using	use	VERB
fsr-3428	350	20	rewards	reward	NOUN
fsr-3428	350	21	credit	credit	NOUN
fsr-3428	350	22	cards	card	NOUN
fsr-3428	350	23	as	as	ADP
fsr-3428	350	24	a	a	DET
fsr-3428	350	25	personal	personal	ADJ
fsr-3428	350	26	finance	finance	NOUN
fsr-3428	350	27	tool	tool	NOUN
fsr-3428	350	28	.	.	PUNCT
fsr-3428	351	1	advocates	advocate	NOUN
fsr-3428	351	2	of	of	ADP
fsr-3428	351	3	rewards	reward	NOUN
fsr-3428	351	4	cards	card	NOUN
fsr-3428	351	5	can	can	AUX
fsr-3428	351	6	use	use	VERB
fsr-3428	351	7	our	our	PRON
fsr-3428	351	8	findings	finding	NOUN
fsr-3428	351	9	to	to	PART
fsr-3428	351	10	demonstrate	demonstrate	VERB
fsr-3428	351	11	how	how	SCONJ
fsr-3428	351	12	some	some	DET
fsr-3428	351	13	consumers	consumer	NOUN
fsr-3428	351	14	can	can	AUX
fsr-3428	351	15	use	use	VERB
fsr-3428	351	16	credit	credit	NOUN
fsr-3428	351	17	cards	card	NOUN
fsr-3428	351	18	to	to	PART
fsr-3428	351	19	increase	increase	VERB
fsr-3428	351	20	spending	spending	NOUN
fsr-3428	351	21	and	and	CCONJ
fsr-3428	351	22	consumption	consumption	NOUN
fsr-3428	351	23	simultaneously	simultaneously	ADV
fsr-3428	351	24	;	;	PUNCT
fsr-3428	351	25	this	this	PRON
fsr-3428	351	26	will	will	AUX
fsr-3428	351	27	be	be	AUX
fsr-3428	351	28	true	true	ADJ
fsr-3428	351	29	for	for	ADP
fsr-3428	351	30	consumers	consumer	NOUN
fsr-3428	351	31	with	with	ADP
fsr-3428	351	32	an	an	DET
fsr-3428	351	33	inelastic	inelastic	ADJ
fsr-3428	351	34	demand	demand	NOUN
fsr-3428	351	35	curve	curve	NOUN
fsr-3428	351	36	using	use	VERB
fsr-3428	351	37	a	a	DET
fsr-3428	351	38	simple	simple	ADJ
fsr-3428	351	39	cash	cash	NOUN
fsr-3428	351	40	-	-	PUNCT
fsr-3428	351	41	back	back	NOUN
fsr-3428	351	42	card	card	NOUN
fsr-3428	351	43	and	and	CCONJ
fsr-3428	351	44	for	for	ADP
fsr-3428	351	45	consumers	consumer	NOUN
fsr-3428	351	46	that	that	PRON
fsr-3428	351	47	already	already	ADV
fsr-3428	351	48	spend	spend	VERB
fsr-3428	351	49	an	an	DET
fsr-3428	351	50	adequate	adequate	ADJ
fsr-3428	351	51	amount	amount	NOUN
fsr-3428	351	52	to	to	PART
fsr-3428	351	53	reach	reach	VERB
fsr-3428	351	54	minimum	minimum	ADJ
fsr-3428	351	55	spend	spend	NOUN
fsr-3428	351	56	bonuses	bonus	NOUN
fsr-3428	351	57	.	.	PUNCT
fsr-3428	352	1	furthermore	furthermore	ADV
fsr-3428	352	2	,	,	PUNCT
fsr-3428	352	3	our	our	PRON
fsr-3428	352	4	study	study	NOUN
fsr-3428	352	5	shows	show	VERB
fsr-3428	352	6	that	that	SCONJ
fsr-3428	352	7	all	all	DET
fsr-3428	352	8	rational	rational	ADJ
fsr-3428	352	9	consumers	consumer	NOUN
fsr-3428	352	10	are	be	AUX
fsr-3428	352	11	made	make	VERB
fsr-3428	352	12	better	well	ADJ
fsr-3428	352	13	off	off	ADP
fsr-3428	352	14	by	by	ADP
fsr-3428	352	15	cash	cash	NOUN
fsr-3428	352	16	-	-	PUNCT
fsr-3428	352	17	back	back	NOUN
fsr-3428	352	18	cards	card	NOUN
fsr-3428	352	19	,	,	PUNCT
fsr-3428	352	20	even	even	ADV
fsr-3428	352	21	if	if	SCONJ
fsr-3428	352	22	the	the	DET
fsr-3428	352	23	cards	card	NOUN
fsr-3428	352	24	incentivized	incentivize	VERB
fsr-3428	352	25	increased	increase	VERB
fsr-3428	352	26	consumption	consumption	NOUN
fsr-3428	352	27	.	.	PUNCT
fsr-3428	353	1	conversely	conversely	ADV
fsr-3428	353	2	,	,	PUNCT
fsr-3428	353	3	for	for	ADP
fsr-3428	353	4	dave	dave	PROPN
fsr-3428	353	5	ramsey	ramsey	PROPN
fsr-3428	353	6	and	and	CCONJ
fsr-3428	353	7	other	other	ADJ
fsr-3428	353	8	credit	credit	NOUN
fsr-3428	353	9	card	card	NOUN
fsr-3428	353	10	skeptics	skeptic	NOUN
fsr-3428	353	11	,	,	PUNCT
fsr-3428	353	12	the	the	DET
fsr-3428	353	13	findings	finding	NOUN
fsr-3428	353	14	herein	herein	NOUN
fsr-3428	353	15	only	only	ADV
fsr-3428	353	16	serve	serve	VERB
fsr-3428	353	17	to	to	PART
fsr-3428	353	18	show	show	VERB
fsr-3428	353	19	another	another	DET
fsr-3428	353	20	way	way	NOUN
fsr-3428	353	21	that	that	PRON
fsr-3428	353	22	credit	credit	NOUN
fsr-3428	353	23	cards	card	NOUN
fsr-3428	353	24	can	can	AUX
fsr-3428	353	25	reduce	reduce	VERB
fsr-3428	353	26	savings	saving	NOUN
fsr-3428	353	27	.	.	PUNCT
fsr-3428	354	1	if	if	SCONJ
fsr-3428	354	2	rational	rational	ADJ
fsr-3428	354	3	credit	credit	NOUN
fsr-3428	354	4	card	card	NOUN
fsr-3428	354	5	use	use	NOUN
fsr-3428	354	6	leads	lead	VERB
fsr-3428	354	7	to	to	ADP
fsr-3428	354	8	more	more	ADJ
fsr-3428	354	9	spending	spending	NOUN
fsr-3428	354	10	for	for	ADP
fsr-3428	354	11	some	some	PRON
fsr-3428	354	12	,	,	PUNCT
fsr-3428	354	13	just	just	ADV
fsr-3428	354	14	imagine	imagine	VERB
fsr-3428	354	15	how	how	SCONJ
fsr-3428	354	16	irrational	irrational	ADJ
fsr-3428	354	17	and/or	and/or	CCONJ
fsr-3428	354	18	irresponsible	irresponsible	ADJ
fsr-3428	354	19	consumers	consumer	NOUN
fsr-3428	354	20	may	may	AUX
fsr-3428	354	21	react	react	VERB
fsr-3428	354	22	when	when	SCONJ
fsr-3428	354	23	they	they	PRON
fsr-3428	354	24	get	get	VERB
fsr-3428	354	25	their	their	PRON
fsr-3428	354	26	paws	paw	NOUN
fsr-3428	354	27	on	on	ADP
fsr-3428	354	28	a	a	DET
fsr-3428	354	29	cash	cash	NOUN
fsr-3428	354	30	-	-	PUNCT
fsr-3428	354	31	back	back	NOUN
fsr-3428	354	32	card	card	NOUN
fsr-3428	354	33	.	.	PUNCT
fsr-3428	355	1	ultimately	ultimately	ADV
fsr-3428	355	2	,	,	PUNCT
fsr-3428	355	3	digesting	digest	VERB
fsr-3428	355	4	the	the	DET
fsr-3428	355	5	findings	finding	NOUN
fsr-3428	355	6	included	include	VERB
fsr-3428	355	7	in	in	ADP
fsr-3428	355	8	our	our	PRON
fsr-3428	355	9	article	article	NOUN
fsr-3428	355	10	requires	require	VERB
fsr-3428	355	11	nuance	nuance	NOUN
fsr-3428	355	12	.	.	PUNCT
fsr-3428	356	1	for	for	ADP
fsr-3428	356	2	the	the	DET
fsr-3428	356	3	individual	individual	ADJ
fsr-3428	356	4	user	user	NOUN
fsr-3428	356	5	,	,	PUNCT
fsr-3428	356	6	cash	cash	NOUN
fsr-3428	356	7	-	-	PUNCT
fsr-3428	356	8	back	back	NOUN
fsr-3428	356	9	credit	credit	NOUN
fsr-3428	356	10	cards	card	NOUN
fsr-3428	356	11	can	can	AUX
fsr-3428	356	12	clearly	clearly	ADV
fsr-3428	356	13	enhance	enhance	VERB
fsr-3428	356	14	utility	utility	NOUN
fsr-3428	356	15	,	,	PUNCT
fsr-3428	356	16	when	when	SCONJ
fsr-3428	356	17	used	use	VERB
fsr-3428	356	18	responsibly	responsibly	ADV
fsr-3428	356	19	.	.	PUNCT
fsr-3428	357	1	however	however	ADV
fsr-3428	357	2	,	,	PUNCT
fsr-3428	357	3	the	the	DET
fsr-3428	357	4	increased	increase	VERB
fsr-3428	357	5	spending	spending	NOUN
fsr-3428	357	6	that	that	PRON
fsr-3428	357	7	could	could	AUX
fsr-3428	357	8	result	result	VERB
fsr-3428	357	9	from	from	ADP
fsr-3428	357	10	using	use	VERB
fsr-3428	357	11	these	these	DET
fsr-3428	357	12	cards	card	NOUN
fsr-3428	357	13	would	would	AUX
fsr-3428	357	14	certainly	certainly	ADV
fsr-3428	357	15	exacerbate	exacerbate	VERB
fsr-3428	357	16	any	any	DET
fsr-3428	357	17	irresponsible	irresponsible	ADJ
fsr-3428	357	18	usage	usage	NOUN
fsr-3428	357	19	.	.	PUNCT
fsr-3428	358	1	7	7	X
fsr-3428	358	2	.	.	X
fsr-3428	358	3	conclusions	conclusion	NOUN
fsr-3428	358	4	in	in	ADP
fsr-3428	358	5	an	an	DET
fsr-3428	358	6	effort	effort	NOUN
fsr-3428	358	7	to	to	PART
fsr-3428	358	8	gain	gain	VERB
fsr-3428	358	9	a	a	DET
fsr-3428	358	10	better	well	ADJ
fsr-3428	358	11	understanding	understanding	NOUN
fsr-3428	358	12	of	of	ADP
fsr-3428	358	13	the	the	DET
fsr-3428	358	14	role	role	NOUN
fsr-3428	358	15	of	of	ADP
fsr-3428	358	16	cash	cash	NOUN
fsr-3428	358	17	-	-	PUNCT
fsr-3428	358	18	back	back	NOUN
fsr-3428	358	19	credit	credit	NOUN
fsr-3428	358	20	cards	card	NOUN
fsr-3428	358	21	in	in	ADP
fsr-3428	358	22	a	a	DET
fsr-3428	358	23	personal	personal	ADJ
fsr-3428	358	24	financial	financial	ADJ
fsr-3428	358	25	plan	plan	NOUN
fsr-3428	358	26	,	,	PUNCT
fsr-3428	358	27	we	we	PRON
fsr-3428	358	28	construct	construct	VERB
fsr-3428	358	29	graphical	graphical	ADJ
fsr-3428	358	30	models	model	NOUN
fsr-3428	358	31	of	of	ADP
fsr-3428	358	32	consumer	consumer	NOUN
fsr-3428	358	33	demand	demand	NOUN
fsr-3428	358	34	.	.	PUNCT
fsr-3428	359	1	our	our	PRON
fsr-3428	359	2	novel	novel	ADJ
fsr-3428	359	3	analysis	analysis	NOUN
fsr-3428	359	4	shows	show	VERB
fsr-3428	359	5	that	that	SCONJ
fsr-3428	359	6	cash	cash	NOUN
fsr-3428	359	7	-	-	PUNCT
fsr-3428	359	8	back	back	NOUN
fsr-3428	359	9	credit	credit	NOUN
fsr-3428	359	10	cards	card	NOUN
fsr-3428	359	11	have	have	VERB
fsr-3428	359	12	varying	vary	VERB
fsr-3428	359	13	effects	effect	NOUN
fsr-3428	359	14	on	on	ADP
fsr-3428	359	15	consumer	consumer	NOUN
fsr-3428	359	16	spending	spending	NOUN
fsr-3428	359	17	choices	choice	NOUN
fsr-3428	359	18	.	.	PUNCT
fsr-3428	360	1	focusing	focus	VERB
fsr-3428	360	2	only	only	ADV
fsr-3428	360	3	on	on	ADP
fsr-3428	360	4	rational	rational	ADJ
fsr-3428	360	5	consumers	consumer	NOUN
fsr-3428	360	6	that	that	PRON
fsr-3428	360	7	always	always	ADV
fsr-3428	360	8	pay	pay	VERB
fsr-3428	360	9	off	off	ADP
fsr-3428	360	10	their	their	PRON
fsr-3428	360	11	balance	balance	NOUN
fsr-3428	360	12	in	in	ADP
fsr-3428	360	13	full	full	ADJ
fsr-3428	360	14	,	,	PUNCT
fsr-3428	360	15	we	we	PRON
fsr-3428	360	16	show	show	VERB
fsr-3428	360	17	that	that	SCONJ
fsr-3428	360	18	cash	cash	NOUN
fsr-3428	360	19	-	-	PUNCT
fsr-3428	360	20	back	back	NOUN
fsr-3428	360	21	cards	card	NOUN
fsr-3428	360	22	will	will	AUX
fsr-3428	360	23	cause	cause	VERB
fsr-3428	360	24	some	some	DET
fsr-3428	360	25	consumers	consumer	NOUN
fsr-3428	360	26	to	to	PART
fsr-3428	360	27	increase	increase	VERB
fsr-3428	360	28	spending	spending	NOUN
fsr-3428	360	29	and	and	CCONJ
fsr-3428	360	30	reduce	reduce	VERB
fsr-3428	360	31	savings	saving	NOUN
fsr-3428	360	32	.	.	PUNCT
fsr-3428	361	1	in	in	ADP
fsr-3428	361	2	particular	particular	ADJ
fsr-3428	361	3	,	,	PUNCT
fsr-3428	361	4	consumers	consumer	NOUN
fsr-3428	361	5	with	with	ADP
fsr-3428	361	6	elastic	elastic	ADJ
fsr-3428	361	7	demand	demand	NOUN
fsr-3428	361	8	are	be	AUX
fsr-3428	361	9	likely	likely	ADJ
fsr-3428	361	10	to	to	PART
fsr-3428	361	11	increase	increase	VERB
fsr-3428	361	12	spending	spending	NOUN
fsr-3428	361	13	when	when	SCONJ
fsr-3428	361	14	they	they	PRON
fsr-3428	361	15	earn	earn	VERB
fsr-3428	361	16	a	a	DET
fsr-3428	361	17	set	set	VERB
fsr-3428	361	18	cash	cash	NOUN
fsr-3428	361	19	-	-	PUNCT
fsr-3428	361	20	back	back	NOUN
fsr-3428	361	21	rate	rate	NOUN
fsr-3428	361	22	on	on	ADP
fsr-3428	361	23	their	their	PRON
fsr-3428	361	24	credit	credit	NOUN
fsr-3428	361	25	cards	card	NOUN
fsr-3428	361	26	.	.	PUNCT
fsr-3428	362	1	relative	relative	ADJ
fsr-3428	362	2	to	to	ADP
fsr-3428	362	3	cash	cash	NOUN
fsr-3428	362	4	,	,	PUNCT
fsr-3428	362	5	a	a	DET
fsr-3428	362	6	consumer	consumer	NOUN
fsr-3428	362	7	with	with	ADP
fsr-3428	362	8	a	a	DET
fsr-3428	362	9	demand	demand	NOUN
fsr-3428	362	10	elasticity	elasticity	NOUN
fsr-3428	362	11	of	of	ADP
fsr-3428	362	12	four	four	NUM
fsr-3428	362	13	would	would	AUX
fsr-3428	362	14	spend	spend	VERB
fsr-3428	362	15	four	four	NUM
fsr-3428	362	16	percent	percent	NOUN
fsr-3428	362	17	more	more	ADJ
fsr-3428	362	18	on	on	ADP
fsr-3428	362	19	goods	good	NOUN
fsr-3428	362	20	services	service	NOUN
fsr-3428	362	21	when	when	SCONJ
fsr-3428	362	22	using	use	VERB
fsr-3428	362	23	a	a	DET
fsr-3428	362	24	one	one	NUM
fsr-3428	362	25	percent	percent	NOUN
fsr-3428	362	26	cash	cash	NOUN
fsr-3428	362	27	-	-	PUNCT
fsr-3428	362	28	back	back	NOUN
fsr-3428	362	29	card	card	NOUN
fsr-3428	362	30	;	;	PUNCT
fsr-3428	362	31	effectively	effectively	ADV
fsr-3428	362	32	,	,	PUNCT
fsr-3428	362	33	this	this	DET
fsr-3428	362	34	consumer	consumer	NOUN
fsr-3428	362	35	spends	spend	VERB
fsr-3428	362	36	about	about	ADV
fsr-3428	362	37	three	three	NUM
fsr-3428	362	38	percent	percent	NOUN
fsr-3428	362	39	more	more	ADJ
fsr-3428	362	40	,	,	PUNCT
fsr-3428	362	41	net	net	NOUN
fsr-3428	362	42	of	of	ADP
fsr-3428	362	43	cash	cash	NOUN
fsr-3428	362	44	-	-	PUNCT
fsr-3428	362	45	back	back	NOUN
fsr-3428	362	46	rewards	reward	NOUN
fsr-3428	362	47	.	.	PUNCT
fsr-3428	363	1	additionally	additionally	ADV
fsr-3428	363	2	,	,	PUNCT
fsr-3428	363	3	some	some	DET
fsr-3428	363	4	consumers	consumer	NOUN
fsr-3428	363	5	,	,	PUNCT
fsr-3428	363	6	especially	especially	ADV
fsr-3428	363	7	those	those	PRON
fsr-3428	363	8	with	with	ADP
fsr-3428	363	9	low	low	ADJ
fsr-3428	363	10	expenses	expense	NOUN
fsr-3428	363	11	,	,	PUNCT
fsr-3428	363	12	may	may	AUX
fsr-3428	363	13	be	be	AUX
fsr-3428	363	14	incentivized	incentivize	VERB
fsr-3428	363	15	to	to	PART
fsr-3428	363	16	increase	increase	VERB
fsr-3428	363	17	spending	spend	VERB
fsr-3428	363	18	to	to	PART
fsr-3428	363	19	reach	reach	VERB
fsr-3428	363	20	minimum	minimum	ADJ
fsr-3428	363	21	spend	spend	NOUN
fsr-3428	363	22	bonuses	bonus	NOUN
fsr-3428	363	23	often	often	ADV
fsr-3428	363	24	offered	offer	VERB
fsr-3428	363	25	by	by	ADP
fsr-3428	363	26	credit	credit	NOUN
fsr-3428	363	27	card	card	NOUN
fsr-3428	363	28	firms	firm	NOUN
fsr-3428	363	29	.	.	PUNCT
fsr-3428	364	1	prior	prior	ADJ
fsr-3428	364	2	research	research	NOUN
fsr-3428	364	3	has	have	AUX
fsr-3428	364	4	focused	focus	VERB
fsr-3428	364	5	on	on	ADP
fsr-3428	364	6	the	the	DET
fsr-3428	364	7	behavioral	behavioral	ADJ
fsr-3428	364	8	effects	effect	NOUN
fsr-3428	364	9	of	of	ADP
fsr-3428	364	10	credit	credit	NOUN
fsr-3428	364	11	cards	card	NOUN
fsr-3428	364	12	,	,	PUNCT
fsr-3428	364	13	suggesting	suggest	VERB
fsr-3428	364	14	that	that	SCONJ
fsr-3428	364	15	consumers	consumer	NOUN
fsr-3428	364	16	may	may	AUX
fsr-3428	364	17	irrationally	irrationally	ADV
fsr-3428	364	18	increase	increase	VERB
fsr-3428	364	19	spending	spending	NOUN
fsr-3428	364	20	when	when	SCONJ
fsr-3428	364	21	using	use	VERB
fsr-3428	364	22	a	a	DET
fsr-3428	364	23	credit	credit	NOUN
fsr-3428	364	24	card	card	NOUN
fsr-3428	364	25	,	,	PUNCT
fsr-3428	364	26	perhaps	perhaps	ADV
fsr-3428	364	27	because	because	SCONJ
fsr-3428	364	28	credit	credit	NOUN
fsr-3428	364	29	card	card	NOUN
fsr-3428	364	30	purchases	purchase	NOUN
fsr-3428	364	31	are	be	AUX
fsr-3428	364	32	less	less	ADV
fsr-3428	364	33	memorable	memorable	ADJ
fsr-3428	364	34	(	(	PUNCT
fsr-3428	364	35	soll	soll	NOUN
fsr-3428	364	36	et	et	PROPN
fsr-3428	364	37	al	al	PROPN
fsr-3428	364	38	.	.	PROPN
fsr-3428	364	39	,	,	PUNCT
fsr-3428	364	40	2013	2013	NUM
fsr-3428	364	41	)	)	PUNCT
fsr-3428	364	42	,	,	PUNCT
fsr-3428	364	43	which	which	PRON
fsr-3428	364	44	potentially	potentially	ADV
fsr-3428	364	45	causes	cause	VERB
fsr-3428	364	46	consumers	consumer	NOUN
fsr-3428	364	47	to	to	PART
fsr-3428	364	48	underestimate	underestimate	VERB
fsr-3428	364	49	the	the	DET
fsr-3428	364	50	true	true	ADJ
fsr-3428	364	51	cost	cost	NOUN
fsr-3428	364	52	of	of	ADP
fsr-3428	364	53	a	a	DET
fsr-3428	364	54	good	good	NOUN
fsr-3428	364	55	or	or	CCONJ
fsr-3428	364	56	service	service	NOUN
fsr-3428	364	57	(	(	PUNCT
fsr-3428	364	58	chatterjee	chatterjee	PROPN
fsr-3428	364	59	and	and	CCONJ
fsr-3428	364	60	rose	rise	VERB
fsr-3428	364	61	,	,	PUNCT
fsr-3428	364	62	2012	2012	NUM
fsr-3428	364	63	)	)	PUNCT
fsr-3428	364	64	.	.	PUNCT
fsr-3428	365	1	our	our	PRON
fsr-3428	365	2	findings	finding	NOUN
fsr-3428	365	3	are	be	AUX
fsr-3428	365	4	novel	novel	ADJ
fsr-3428	365	5	since	since	SCONJ
fsr-3428	365	6	they	they	PRON
fsr-3428	365	7	show	show	VERB
fsr-3428	365	8	that	that	SCONJ
fsr-3428	365	9	consumer	consumer	NOUN
fsr-3428	365	10	spending	spending	NOUN
fsr-3428	365	11	may	may	AUX
fsr-3428	365	12	increase	increase	VERB
fsr-3428	365	13	,	,	PUNCT
fsr-3428	365	14	rationally	rationally	ADV
fsr-3428	365	15	,	,	PUNCT
fsr-3428	365	16	as	as	ADP
fsr-3428	365	17	a	a	DET
fsr-3428	365	18	response	response	NOUN
fsr-3428	365	19	to	to	ADP
fsr-3428	365	20	the	the	DET
fsr-3428	365	21	rewards	reward	NOUN
fsr-3428	365	22	offered	offer	VERB
fsr-3428	365	23	by	by	ADP
fsr-3428	365	24	credit	credit	NOUN
fsr-3428	365	25	cards	card	NOUN
fsr-3428	365	26	.	.	PUNCT
fsr-3428	366	1	as	as	ADP
fsr-3428	366	2	a	a	DET
fsr-3428	366	3	result	result	NOUN
fsr-3428	366	4	,	,	PUNCT
fsr-3428	366	5	cash	cash	NOUN
fsr-3428	366	6	-	-	PUNCT
fsr-3428	366	7	back	back	NOUN
fsr-3428	366	8	credit	credit	NOUN
fsr-3428	366	9	cards	card	NOUN
fsr-3428	366	10	,	,	PUNCT
fsr-3428	366	11	while	while	SCONJ
fsr-3428	366	12	utility	utility	NOUN
fsr-3428	366	13	-	-	PUNCT
fsr-3428	366	14	improving	improve	VERB
fsr-3428	366	15	,	,	PUNCT
fsr-3428	366	16	may	may	AUX
fsr-3428	366	17	reduce	reduce	VERB
fsr-3428	366	18	savings	savings	NOUN
fsr-3428	366	19	rates	rate	NOUN
fsr-3428	366	20	and	and	CCONJ
fsr-3428	366	21	impede	impede	VERB
fsr-3428	366	22	one	one	NUM
fsr-3428	366	23	’s	’s	PART
fsr-3428	366	24	progress	progress	NOUN
fsr-3428	366	25	towards	towards	ADP
fsr-3428	366	26	retirement	retirement	NOUN
fsr-3428	366	27	—	—	PUNCT
fsr-3428	366	28	this	this	PRON
fsr-3428	366	29	is	be	AUX
fsr-3428	366	30	true	true	ADJ
fsr-3428	366	31	even	even	ADV
fsr-3428	366	32	for	for	ADP
fsr-3428	366	33	the	the	DET
fsr-3428	366	34	most	most	ADV
fsr-3428	366	35	responsible	responsible	ADJ
fsr-3428	366	36	and	and	CCONJ
fsr-3428	366	37	rational	rational	ADJ
fsr-3428	366	38	of	of	ADP
fsr-3428	366	39	consumers	consumer	NOUN
fsr-3428	366	40	.	.	PUNCT
fsr-3428	367	1	given	give	VERB
fsr-3428	367	2	the	the	DET
fsr-3428	367	3	frequent	frequent	ADJ
fsr-3428	367	4	debates	debate	NOUN
fsr-3428	367	5	over	over	ADP
fsr-3428	367	6	the	the	DET
fsr-3428	367	7	viability	viability	NOUN
fsr-3428	367	8	of	of	ADP
fsr-3428	367	9	credit	credit	NOUN
fsr-3428	367	10	cards	card	NOUN
fsr-3428	367	11	in	in	ADP
fsr-3428	367	12	a	a	DET
fsr-3428	367	13	personal	personal	ADJ
fsr-3428	367	14	finance	finance	NOUN
fsr-3428	367	15	plan	plan	NOUN
fsr-3428	367	16	,	,	PUNCT
fsr-3428	367	17	our	our	PRON
fsr-3428	367	18	research	research	NOUN
fsr-3428	367	19	offers	offer	VERB
fsr-3428	367	20	new	new	ADJ
fsr-3428	367	21	insights	insight	NOUN
fsr-3428	367	22	that	that	PRON
fsr-3428	367	23	will	will	AUX
fsr-3428	367	24	hopefully	hopefully	ADV
fsr-3428	367	25	spark	spark	VERB
fsr-3428	367	26	more	more	ADV
fsr-3428	367	27	empirical	empirical	ADJ
fsr-3428	367	28	scrutiny	scrutiny	NOUN
fsr-3428	367	29	.	.	PUNCT
fsr-3428	368	1	this	this	PRON
fsr-3428	368	2	is	be	AUX
fsr-3428	368	3	the	the	DET
fsr-3428	368	4	primary	primary	ADJ
fsr-3428	368	5	contribution	contribution	NOUN
fsr-3428	368	6	of	of	ADP
fsr-3428	368	7	our	our	PRON
fsr-3428	368	8	research	research	NOUN
fsr-3428	368	9	.	.	PUNCT
fsr-3428	369	1	in	in	ADP
fsr-3428	369	2	addition	addition	NOUN
fsr-3428	369	3	to	to	ADP
fsr-3428	369	4	providing	provide	VERB
fsr-3428	369	5	important	important	ADJ
fsr-3428	369	6	insight	insight	NOUN
fsr-3428	369	7	into	into	ADP
fsr-3428	369	8	the	the	DET
fsr-3428	369	9	consumption	consumption	NOUN
fsr-3428	369	10	choices	choice	NOUN
fsr-3428	369	11	of	of	ADP
fsr-3428	369	12	rewards	reward	NOUN
fsr-3428	369	13	cardholders	cardholder	NOUN
fsr-3428	369	14	,	,	PUNCT
fsr-3428	369	15	the	the	DET
fsr-3428	369	16	models	model	NOUN
fsr-3428	369	17	above	above	ADP
fsr-3428	369	18	constitute	constitute	VERB
fsr-3428	369	19	a	a	DET
fsr-3428	369	20	novel	novel	ADJ
fsr-3428	369	21	approach	approach	NOUN
fsr-3428	369	22	to	to	ADP
fsr-3428	369	23	quantifying	quantify	VERB
fsr-3428	369	24	rewards	reward	NOUN
fsr-3428	369	25	benefits	benefit	NOUN
fsr-3428	369	26	and	and	CCONJ
fsr-3428	369	27	a	a	DET
fsr-3428	369	28	unique	unique	ADJ
fsr-3428	369	29	application	application	NOUN
fsr-3428	369	30	of	of	ADP
fsr-3428	369	31	marginal	marginal	ADJ
fsr-3428	369	32	cost	cost	NOUN
fsr-3428	369	33	and	and	CCONJ
fsr-3428	369	34	benefit	benefit	VERB
fsr-3428	369	35	curves	curve	NOUN
fsr-3428	369	36	for	for	ADP
fsr-3428	369	37	modeling	model	VERB
fsr-3428	369	38	consumption	consumption	NOUN
fsr-3428	369	39	behavior	behavior	NOUN
fsr-3428	369	40	.	.	PUNCT
fsr-3428	370	1	n.	n.	PROPN
fsr-3428	370	2	macdonald	macdonald	PROPN
fsr-3428	370	3	,	,	PUNCT
fsr-3428	370	4	b.	b.	PROPN
fsr-3428	370	5	evans	evans	PROPN
fsr-3428	370	6	/	/	SYM
fsr-3428	370	7	financial	financial	ADJ
fsr-3428	370	8	services	service	NOUN
fsr-3428	370	9	review	review	VERB
fsr-3428	370	10	28	28	NUM
fsr-3428	370	11	(	(	PUNCT
fsr-3428	370	12	2020	2020	NUM
fsr-3428	370	13	)	)	PUNCT
fsr-3428	371	1	223–242	223–242	NUM
fsr-3428	371	2	239	239	NUM
fsr-3428	371	3	these	these	DET
fsr-3428	371	4	unique	unique	ADJ
fsr-3428	371	5	models	model	NOUN
fsr-3428	371	6	could	could	AUX
fsr-3428	371	7	easily	easily	ADV
fsr-3428	371	8	be	be	AUX
fsr-3428	371	9	adapted	adapt	VERB
fsr-3428	371	10	for	for	ADP
fsr-3428	371	11	use	use	NOUN
fsr-3428	371	12	in	in	ADP
fsr-3428	371	13	undergraduate	undergraduate	ADJ
fsr-3428	371	14	economics	economic	NOUN
fsr-3428	371	15	lessons	lesson	NOUN
fsr-3428	371	16	surrounding	surround	VERB
fsr-3428	371	17	marginal	marginal	ADJ
fsr-3428	371	18	benefits	benefit	NOUN
fsr-3428	371	19	and	and	CCONJ
fsr-3428	371	20	costs	cost	NOUN
fsr-3428	371	21	,	,	PUNCT
fsr-3428	371	22	consumer	consumer	NOUN
fsr-3428	371	23	surplus	surplus	NOUN
fsr-3428	371	24	,	,	PUNCT
fsr-3428	371	25	and	and	CCONJ
fsr-3428	371	26	price	price	NOUN
fsr-3428	371	27	elasticity	elasticity	NOUN
fsr-3428	371	28	of	of	ADP
fsr-3428	371	29	demand	demand	NOUN
fsr-3428	371	30	.	.	PUNCT
fsr-3428	372	1	given	give	VERB
fsr-3428	372	2	that	that	SCONJ
fsr-3428	372	3	rewards	reward	VERB
fsr-3428	372	4	credit	credit	NOUN
fsr-3428	372	5	cards	card	NOUN
fsr-3428	372	6	are	be	AUX
fsr-3428	372	7	now	now	ADV
fsr-3428	372	8	a	a	DET
fsr-3428	372	9	primary	primary	ADJ
fsr-3428	372	10	method	method	NOUN
fsr-3428	372	11	of	of	ADP
fsr-3428	372	12	payment	payment	NOUN
fsr-3428	372	13	in	in	ADP
fsr-3428	372	14	the	the	DET
fsr-3428	372	15	united	united	PROPN
fsr-3428	372	16	states	states	PROPN
fsr-3428	372	17	and	and	CCONJ
fsr-3428	372	18	many	many	ADJ
fsr-3428	372	19	other	other	ADJ
fsr-3428	372	20	developed	develop	VERB
fsr-3428	372	21	nations	nation	NOUN
fsr-3428	372	22	,	,	PUNCT
fsr-3428	372	23	it	it	PRON
fsr-3428	372	24	is	be	AUX
fsr-3428	372	25	imperative	imperative	ADJ
fsr-3428	372	26	that	that	SCONJ
fsr-3428	372	27	more	more	ADJ
fsr-3428	372	28	research	research	NOUN
fsr-3428	372	29	be	be	AUX
fsr-3428	372	30	conducted	conduct	VERB
fsr-3428	372	31	in	in	ADP
fsr-3428	372	32	the	the	DET
fsr-3428	372	33	field	field	NOUN
fsr-3428	372	34	.	.	PUNCT
fsr-3428	373	1	we	we	PRON
fsr-3428	373	2	hope	hope	VERB
fsr-3428	373	3	that	that	SCONJ
fsr-3428	373	4	our	our	PRON
fsr-3428	373	5	theoretical	theoretical	ADJ
fsr-3428	373	6	methods	method	NOUN
fsr-3428	373	7	encourage	encourage	VERB
fsr-3428	373	8	more	more	ADJ
fsr-3428	373	9	research	research	NOUN
fsr-3428	373	10	examining	examine	VERB
fsr-3428	373	11	the	the	DET
fsr-3428	373	12	wide	wide	ADV
fsr-3428	373	13	-	-	PUNCT
fsr-3428	373	14	reaching	reach	VERB
fsr-3428	373	15	effects	effect	NOUN
fsr-3428	373	16	of	of	ADP
fsr-3428	373	17	expanding	expand	VERB
fsr-3428	373	18	rewards	reward	NOUN
fsr-3428	373	19	credit	credit	NOUN
fsr-3428	373	20	card	card	NOUN
fsr-3428	373	21	usage	usage	NOUN
fsr-3428	373	22	.	.	PUNCT
fsr-3428	374	1	notes	note	VERB
fsr-3428	374	2	1	1	NUM
fsr-3428	374	3	this	this	DET
fsr-3428	374	4	figured	figure	VERB
fsr-3428	374	5	was	be	AUX
fsr-3428	374	6	found	find	VERB
fsr-3428	374	7	by	by	ADP
fsr-3428	374	8	dividing	divide	VERB
fsr-3428	374	9	$	$	SYM
fsr-3428	374	10	444	444	NUM
fsr-3428	374	11	billion	billion	NUM
fsr-3428	374	12	in	in	ADP
fsr-3428	374	13	total	total	ADJ
fsr-3428	374	14	credit	credit	NOUN
fsr-3428	374	15	card	card	NOUN
fsr-3428	374	16	debt	debt	NOUN
fsr-3428	374	17	(	(	PUNCT
fsr-3428	374	18	issa	issa	ADJ
fsr-3428	374	19	,	,	PUNCT
fsr-3428	374	20	2019	2019	NUM
fsr-3428	374	21	)	)	PUNCT
fsr-3428	374	22	by	by	ADP
fsr-3428	374	23	the	the	DET
fsr-3428	374	24	total	total	ADJ
fsr-3428	374	25	number	number	NOUN
fsr-3428	374	26	of	of	ADP
fsr-3428	374	27	us	us	PROPN
fsr-3428	374	28	households	household	NOUN
fsr-3428	374	29	(	(	PUNCT
fsr-3428	374	30	census.gov	census.gov	PROPN
fsr-3428	374	31	,	,	PUNCT
fsr-3428	374	32	2019	2019	NUM
fsr-3428	374	33	)	)	PUNCT
fsr-3428	374	34	.	.	PUNCT
fsr-3428	375	1	2	2	NUM
fsr-3428	375	2	for	for	ADP
fsr-3428	375	3	a	a	DET
fsr-3428	375	4	colorful	colorful	ADJ
fsr-3428	375	5	example	example	NOUN
fsr-3428	375	6	of	of	ADP
fsr-3428	375	7	credit	credit	NOUN
fsr-3428	375	8	card	card	NOUN
fsr-3428	375	9	churning	churn	VERB
fsr-3428	375	10	,	,	PUNCT
fsr-3428	375	11	see	see	VERB
fsr-3428	375	12	lozano	lozano	PROPN
fsr-3428	375	13	(	(	PUNCT
fsr-3428	375	14	2019	2019	NUM
fsr-3428	375	15	)	)	PUNCT
fsr-3428	375	16	.	.	PUNCT
fsr-3428	376	1	3	3	NUM
fsr-3428	376	2	cards	card	NOUN
fsr-3428	376	3	with	with	ADP
fsr-3428	376	4	significant	significant	ADJ
fsr-3428	376	5	ancillary	ancillary	ADJ
fsr-3428	376	6	benefits	benefit	NOUN
fsr-3428	376	7	typically	typically	ADV
fsr-3428	376	8	carry	carry	VERB
fsr-3428	376	9	high	high	ADJ
fsr-3428	376	10	annual	annual	ADJ
fsr-3428	376	11	fees	fee	NOUN
fsr-3428	376	12	.	.	PUNCT
fsr-3428	377	1	for	for	ADP
fsr-3428	377	2	example	example	NOUN
fsr-3428	377	3	,	,	PUNCT
fsr-3428	377	4	the	the	DET
fsr-3428	377	5	chase	chase	NOUN
fsr-3428	377	6	sapphire	sapphire	NOUN
fsr-3428	377	7	reserve	reserve	PROPN
fsr-3428	377	8	enforces	enforce	VERB
fsr-3428	377	9	a	a	DET
fsr-3428	377	10	$	$	SYM
fsr-3428	377	11	550	550	NUM
fsr-3428	377	12	annual	annual	ADJ
fsr-3428	377	13	fee	fee	NOUN
fsr-3428	377	14	,	,	PUNCT
fsr-3428	377	15	which	which	PRON
fsr-3428	377	16	is	be	AUX
fsr-3428	377	17	among	among	ADP
fsr-3428	377	18	the	the	DET
fsr-3428	377	19	highest	high	ADJ
fsr-3428	377	20	in	in	ADP
fsr-3428	377	21	the	the	DET
fsr-3428	377	22	industry	industry	NOUN
fsr-3428	377	23	.	.	PUNCT
fsr-3428	378	1	given	give	VERB
fsr-3428	378	2	the	the	DET
fsr-3428	378	3	complexity	complexity	NOUN
fsr-3428	378	4	of	of	ADP
fsr-3428	378	5	such	such	ADJ
fsr-3428	378	6	cards	card	NOUN
fsr-3428	378	7	,	,	PUNCT
fsr-3428	378	8	we	we	PRON
fsr-3428	378	9	choose	choose	VERB
fsr-3428	378	10	to	to	PART
fsr-3428	378	11	focus	focus	VERB
fsr-3428	378	12	our	our	PRON
fsr-3428	378	13	forthcoming	forthcoming	ADJ
fsr-3428	378	14	analysis	analysis	NOUN
fsr-3428	378	15	on	on	ADP
fsr-3428	378	16	cards	card	NOUN
fsr-3428	378	17	with	with	ADP
fsr-3428	378	18	no	no	DET
fsr-3428	378	19	annual	annual	ADJ
fsr-3428	378	20	fees	fee	NOUN
fsr-3428	378	21	and	and	CCONJ
fsr-3428	378	22	minimal	minimal	ADJ
fsr-3428	378	23	ancillary	ancillary	ADJ
fsr-3428	378	24	benefits	benefit	NOUN
fsr-3428	378	25	.	.	PUNCT
fsr-3428	379	1	4	4	NUM
fsr-3428	379	2	for	for	ADP
fsr-3428	379	3	an	an	DET
fsr-3428	379	4	academic	academic	ADJ
fsr-3428	379	5	discussion	discussion	NOUN
fsr-3428	379	6	of	of	ADP
fsr-3428	379	7	the	the	DET
fsr-3428	379	8	value	value	NOUN
fsr-3428	379	9	of	of	ADP
fsr-3428	379	10	points	point	NOUN
fsr-3428	379	11	and	and	CCONJ
fsr-3428	379	12	miles	mile	NOUN
fsr-3428	379	13	in	in	ADP
fsr-3428	379	14	credit	credit	NOUN
fsr-3428	379	15	card	card	NOUN
fsr-3428	379	16	rewards	reward	VERB
fsr-3428	379	17	programs	program	NOUN
fsr-3428	379	18	,	,	PUNCT
fsr-3428	379	19	see	see	VERB
fsr-3428	379	20	jalbert	jalbert	PROPN
fsr-3428	379	21	et	et	PROPN
fsr-3428	379	22	al	al	PROPN
fsr-3428	379	23	.	.	PROPN
fsr-3428	380	1	(	(	PUNCT
fsr-3428	380	2	2010	2010	NUM
fsr-3428	380	3	)	)	PUNCT
fsr-3428	380	4	.	.	PUNCT
fsr-3428	381	1	5	5	NUM
fsr-3428	381	2	note	note	VERB
fsr-3428	381	3	that	that	SCONJ
fsr-3428	381	4	many	many	ADJ
fsr-3428	381	5	cards	card	NOUN
fsr-3428	381	6	,	,	PUNCT
fsr-3428	381	7	such	such	ADJ
fsr-3428	381	8	as	as	ADP
fsr-3428	381	9	the	the	DET
fsr-3428	381	10	aforementioned	aforementioned	ADJ
fsr-3428	381	11	chase	chase	NOUN
fsr-3428	381	12	sapphire	sapphire	NOUN
fsr-3428	381	13	preferred	prefer	VERB
fsr-3428	381	14	,	,	PUNCT
fsr-3428	381	15	provide	provide	VERB
fsr-3428	381	16	cash	cash	NOUN
fsr-3428	381	17	and	and	CCONJ
fsr-3428	381	18	travel	travel	NOUN
fsr-3428	381	19	rewards	reward	NOUN
fsr-3428	381	20	redemptions	redemption	NOUN
fsr-3428	381	21	.	.	PUNCT
fsr-3428	382	1	6	6	NUM
fsr-3428	382	2	her	her	PRON
fsr-3428	382	3	analysis	analysis	NOUN
fsr-3428	382	4	considers	consider	VERB
fsr-3428	382	5	technical	technical	ADJ
fsr-3428	382	6	matters	matter	NOUN
fsr-3428	382	7	related	relate	VERB
fsr-3428	382	8	to	to	ADP
fsr-3428	382	9	credit	credit	NOUN
fsr-3428	382	10	cards	card	NOUN
fsr-3428	382	11	that	that	PRON
fsr-3428	382	12	are	be	AUX
fsr-3428	382	13	n’t	not	PART
fsr-3428	382	14	relevant	relevant	ADJ
fsr-3428	382	15	to	to	ADP
fsr-3428	382	16	our	our	PRON
fsr-3428	382	17	current	current	ADJ
fsr-3428	382	18	research	research	NOUN
fsr-3428	382	19	.	.	PUNCT
fsr-3428	383	1	however	however	ADV
fsr-3428	383	2	,	,	PUNCT
fsr-3428	383	3	we	we	PRON
fsr-3428	383	4	encourage	encourage	VERB
fsr-3428	383	5	interested	interested	ADJ
fsr-3428	383	6	parties	party	NOUN
fsr-3428	383	7	to	to	PART
fsr-3428	383	8	read	read	VERB
fsr-3428	383	9	her	her	PRON
fsr-3428	383	10	paper	paper	NOUN
fsr-3428	383	11	which	which	PRON
fsr-3428	383	12	fully	fully	ADV
fsr-3428	383	13	explains	explain	VERB
fsr-3428	383	14	the	the	DET
fsr-3428	383	15	credit	credit	NOUN
fsr-3428	383	16	card	card	NOUN
fsr-3428	383	17	payment	payment	NOUN
fsr-3428	383	18	process	process	NOUN
fsr-3428	383	19	and	and	CCONJ
fsr-3428	383	20	potential	potential	ADJ
fsr-3428	383	21	ramifications	ramification	NOUN
fsr-3428	383	22	.	.	PUNCT
fsr-3428	384	1	7	7	NUM
fsr-3428	384	2	however	however	ADV
fsr-3428	384	3	,	,	PUNCT
fsr-3428	384	4	it	it	PRON
fsr-3428	384	5	’s	’	VERB
fsr-3428	384	6	important	important	ADJ
fsr-3428	384	7	to	to	PART
fsr-3428	384	8	remember	remember	VERB
fsr-3428	384	9	that	that	SCONJ
fsr-3428	384	10	credit	credit	NOUN
fsr-3428	384	11	card	card	NOUN
fsr-3428	384	12	use	use	NOUN
fsr-3428	384	13	has	have	AUX
fsr-3428	384	14	been	be	AUX
fsr-3428	384	15	linked	link	VERB
fsr-3428	384	16	to	to	ADP
fsr-3428	384	17	increased	increase	VERB
fsr-3428	384	18	spending	spending	NOUN
fsr-3428	384	19	(	(	PUNCT
fsr-3428	384	20	e.g.	e.g.	ADV
fsr-3428	384	21	soman	soman	NOUN
fsr-3428	384	22	2003	2003	NUM
fsr-3428	384	23	)	)	PUNCT
fsr-3428	384	24	.	.	PUNCT
fsr-3428	385	1	8	8	NUM
fsr-3428	385	2	generally	generally	ADV
fsr-3428	385	3	,	,	PUNCT
fsr-3428	385	4	consumers	consumer	NOUN
fsr-3428	385	5	are	be	AUX
fsr-3428	385	6	unable	unable	ADJ
fsr-3428	385	7	to	to	PART
fsr-3428	385	8	use	use	VERB
fsr-3428	385	9	credit	credit	NOUN
fsr-3428	385	10	cards	card	NOUN
fsr-3428	385	11	for	for	ADP
fsr-3428	385	12	some	some	DET
fsr-3428	385	13	spending	spending	NOUN
fsr-3428	385	14	categories	category	NOUN
fsr-3428	385	15	.	.	PUNCT
fsr-3428	386	1	for	for	ADP
fsr-3428	386	2	example	example	NOUN
fsr-3428	386	3	,	,	PUNCT
fsr-3428	386	4	mortgage	mortgage	NOUN
fsr-3428	386	5	payments	payment	NOUN
fsr-3428	386	6	often	often	ADV
fsr-3428	386	7	require	require	VERB
fsr-3428	386	8	cash	cash	NOUN
fsr-3428	386	9	,	,	PUNCT
fsr-3428	386	10	check	check	NOUN
fsr-3428	386	11	,	,	PUNCT
fsr-3428	386	12	or	or	CCONJ
fsr-3428	386	13	a	a	DET
fsr-3428	386	14	bank	bank	NOUN
fsr-3428	386	15	transfer	transfer	NOUN
fsr-3428	386	16	.	.	PUNCT
fsr-3428	387	1	our	our	PRON
fsr-3428	387	2	assumption	assumption	NOUN
fsr-3428	387	3	simplified	simplify	VERB
fsr-3428	387	4	a	a	DET
fsr-3428	387	5	consumer	consumer	NOUN
fsr-3428	387	6	’s	’s	PART
fsr-3428	387	7	choices	choice	NOUN
fsr-3428	387	8	,	,	PUNCT
fsr-3428	387	9	focusing	focus	VERB
fsr-3428	387	10	only	only	ADV
fsr-3428	387	11	on	on	ADP
fsr-3428	387	12	the	the	DET
fsr-3428	387	13	scenarios	scenario	NOUN
fsr-3428	387	14	in	in	ADP
fsr-3428	387	15	which	which	PRON
fsr-3428	387	16	a	a	DET
fsr-3428	387	17	consumer	consumer	NOUN
fsr-3428	387	18	can	can	AUX
fsr-3428	387	19	freely	freely	ADV
fsr-3428	387	20	choose	choose	VERB
fsr-3428	387	21	his	his	PRON
fsr-3428	387	22	or	or	CCONJ
fsr-3428	387	23	her	her	PRON
fsr-3428	387	24	payment	payment	NOUN
fsr-3428	387	25	method	method	NOUN
fsr-3428	387	26	.	.	PUNCT
fsr-3428	388	1	9	9	NUM
fsr-3428	388	2	credit	credit	NOUN
fsr-3428	388	3	card	card	NOUN
fsr-3428	388	4	points	point	NOUN
fsr-3428	388	5	are	be	AUX
fsr-3428	388	6	indeed	indeed	ADV
fsr-3428	388	7	earned	earn	VERB
fsr-3428	388	8	on	on	ADP
fsr-3428	388	9	sales	sale	NOUN
fsr-3428	388	10	tax	tax	NOUN
fsr-3428	388	11	.	.	PUNCT
fsr-3428	389	1	thus	thus	ADV
fsr-3428	389	2	,	,	PUNCT
fsr-3428	389	3	the	the	DET
fsr-3428	389	4	sales	sale	NOUN
fsr-3428	389	5	tax	tax	NOUN
fsr-3428	389	6	rate	rate	NOUN
fsr-3428	389	7	levied	levy	VERB
fsr-3428	389	8	by	by	ADP
fsr-3428	389	9	a	a	DET
fsr-3428	389	10	locality	locality	NOUN
fsr-3428	389	11	has	have	VERB
fsr-3428	389	12	no	no	DET
fsr-3428	389	13	effect	effect	NOUN
fsr-3428	389	14	on	on	ADP
fsr-3428	389	15	the	the	DET
fsr-3428	389	16	relative	relative	ADJ
fsr-3428	389	17	benefit	benefit	NOUN
fsr-3428	389	18	of	of	ADP
fsr-3428	389	19	using	use	VERB
fsr-3428	389	20	a	a	DET
fsr-3428	389	21	rewards	reward	NOUN
fsr-3428	389	22	credit	credit	NOUN
fsr-3428	389	23	card	card	NOUN
fsr-3428	389	24	.	.	PUNCT
fsr-3428	390	1	10	10	NUM
fsr-3428	390	2	calculations	calculation	NOUN
fsr-3428	390	3	are	be	AUX
fsr-3428	390	4	made	make	VERB
fsr-3428	390	5	using	use	VERB
fsr-3428	390	6	the	the	DET
fsr-3428	390	7	mid	mid	ADJ
fsr-3428	390	8	-	-	NOUN
fsr-3428	390	9	point	point	NOUN
fsr-3428	390	10	formula	formula	NOUN
fsr-3428	390	11	.	.	PUNCT
fsr-3428	391	1	11	11	NUM
fsr-3428	391	2	technically	technically	ADV
fsr-3428	391	3	,	,	PUNCT
fsr-3428	391	4	the	the	DET
fsr-3428	391	5	card	card	NOUN
fsr-3428	391	6	offers	offer	VERB
fsr-3428	391	7	“	"	PUNCT
fsr-3428	391	8	4	4	NUM
fsr-3428	391	9	%	%	NOUN
fsr-3428	391	10	cash	cash	NOUN
fsr-3428	391	11	back	back	ADV
fsr-3428	391	12	on	on	ADP
fsr-3428	391	13	dining	dining	NOUN
fsr-3428	391	14	and	and	CCONJ
fsr-3428	391	15	entertainment	entertainment	NOUN
fsr-3428	391	16	,	,	PUNCT
fsr-3428	391	17	2	2	NUM
fsr-3428	391	18	%	%	NOUN
fsr-3428	391	19	at	at	ADP
fsr-3428	391	20	grocery	grocery	NOUN
fsr-3428	391	21	stores	store	NOUN
fsr-3428	391	22	,	,	PUNCT
fsr-3428	391	23	and	and	CCONJ
fsr-3428	391	24	1	1	NUM
fsr-3428	391	25	%	%	NOUN
fsr-3428	391	26	on	on	ADP
fsr-3428	391	27	all	all	DET
fsr-3428	391	28	other	other	ADJ
fsr-3428	391	29	purchases	purchase	NOUN
fsr-3428	391	30	”	"	PUNCT
fsr-3428	391	31	(	(	PUNCT
fsr-3428	391	32	capital	capital	NOUN
fsr-3428	391	33	one	one	NUM
fsr-3428	391	34	,	,	PUNCT
fsr-3428	391	35	2019	2019	NUM
fsr-3428	391	36	)	)	PUNCT
fsr-3428	391	37	.	.	PUNCT
fsr-3428	392	1	for	for	ADP
fsr-3428	392	2	simplicity	simplicity	NOUN
fsr-3428	392	3	,	,	PUNCT
fsr-3428	392	4	we	we	PRON
fsr-3428	392	5	only	only	ADV
fsr-3428	392	6	consider	consider	VERB
fsr-3428	392	7	the	the	DET
fsr-3428	392	8	1	1	NUM
fsr-3428	392	9	%	%	NOUN
fsr-3428	392	10	cash	cash	NOUN
fsr-3428	392	11	back	back	NOUN
fsr-3428	392	12	return	return	NOUN
fsr-3428	392	13	that	that	PRON
fsr-3428	392	14	would	would	AUX
fsr-3428	392	15	apply	apply	VERB
fsr-3428	392	16	to	to	ADP
fsr-3428	392	17	the	the	DET
fsr-3428	392	18	majority	majority	NOUN
fsr-3428	392	19	of	of	ADP
fsr-3428	392	20	purchases	purchase	NOUN
fsr-3428	392	21	for	for	ADP
fsr-3428	392	22	a	a	DET
fsr-3428	392	23	typical	typical	ADJ
fsr-3428	392	24	consumer	consumer	NOUN
fsr-3428	392	25	.	.	PUNCT
fsr-3428	393	1	references	reference	NOUN
fsr-3428	393	2	barclays	barclay	NOUN
fsr-3428	393	3	.	.	PUNCT
fsr-3428	394	1	(	(	PUNCT
fsr-3428	394	2	2019	2019	NUM
fsr-3428	394	3	)	)	PUNCT
fsr-3428	394	4	.	.	PUNCT
fsr-3428	395	1	aadvantage	aadvantage	NOUN
fsr-3428	395	2	aviator	aviator	NOUN
fsr-3428	395	3	red	red	PROPN
fsr-3428	395	4	world	world	PROPN
fsr-3428	395	5	elite	elite	PROPN
fsr-3428	395	6	mastercard	mastercard	PROPN
fsr-3428	395	7	.	.	PUNCT
fsr-3428	396	1	(	(	PUNCT
fsr-3428	396	2	available	available	ADJ
fsr-3428	396	3	at	at	ADP
fsr-3428	396	4	https://cards.barclaycardus	https://cards.barclaycardus	PROPN
fsr-3428	396	5	.	.	PUNCT
fsr-3428	396	6	com	com	NOUN
fsr-3428	396	7	/	/	SYM
fsr-3428	396	8	banking	banking	NOUN
fsr-3428	396	9	/	/	SYM
fsr-3428	396	10	cards	card	NOUN
fsr-3428	396	11	/	/	SYM
fsr-3428	396	12	aadvantage	aadvantage	NOUN
fsr-3428	396	13	-	-	PUNCT
fsr-3428	396	14	aviator	aviator	NOUN
fsr-3428	396	15	-	-	PUNCT
fsr-3428	396	16	red	red	VERB
fsr-3428	396	17	-	-	PUNCT
fsr-3428	396	18	world	world	NOUN
fsr-3428	396	19	-	-	PUNCT
fsr-3428	396	20	elite	elite	NOUN
fsr-3428	396	21	-	-	PUNCT
fsr-3428	396	22	mastercard/	mastercard/	NUM
fsr-3428	396	23	)	)	PUNCT
fsr-3428	396	24	.	.	PUNCT
fsr-3428	397	1	bricker	bricker	NOUN
fsr-3428	397	2	,	,	PUNCT
fsr-3428	397	3	j.	j.	PROPN
fsr-3428	397	4	,	,	PUNCT
fsr-3428	397	5	dettling	dettling	NOUN
fsr-3428	397	6	,	,	PUNCT
fsr-3428	397	7	l.	l.	PROPN
fsr-3428	397	8	j.	j.	PROPN
fsr-3428	397	9	,	,	PUNCT
fsr-3428	397	10	henriques	henrique	NOUN
fsr-3428	397	11	,	,	PUNCT
fsr-3428	397	12	a.	a.	NOUN
fsr-3428	397	13	,	,	PUNCT
fsr-3428	397	14	hsu	hsu	PROPN
fsr-3428	397	15	,	,	PUNCT
fsr-3428	397	16	j.	j.	PROPN
fsr-3428	397	17	w.	w.	PROPN
fsr-3428	397	18	,	,	PUNCT
fsr-3428	397	19	jacobs	jacobs	PROPN
fsr-3428	397	20	,	,	PUNCT
fsr-3428	397	21	l.	l.	PROPN
fsr-3428	397	22	,	,	PUNCT
fsr-3428	397	23	moore	moore	PROPN
fsr-3428	397	24	,	,	PUNCT
fsr-3428	397	25	k.	k.	PROPN
fsr-3428	397	26	b.	b.	PROPN
fsr-3428	397	27	,	,	PUNCT
fsr-3428	397	28	pack	pack	PROPN
fsr-3428	397	29	,	,	PUNCT
fsr-3428	397	30	s.	s.	PROPN
fsr-3428	397	31	,	,	PUNCT
fsr-3428	397	32	sabelhaus	sabelhaus	PROPN
fsr-3428	397	33	,	,	PUNCT
fsr-3428	397	34	j.	j.	PROPN
fsr-3428	397	35	,	,	PUNCT
fsr-3428	397	36	thompson	thompson	PROPN
fsr-3428	397	37	,	,	PUNCT
fsr-3428	397	38	j.	j.	PROPN
fsr-3428	397	39	,	,	PUNCT
fsr-3428	397	40	&	&	CCONJ
fsr-3428	397	41	.	.	PROPN
fsr-3428	397	42	,	,	PUNCT
fsr-3428	397	43	windle	windle	PROPN
fsr-3428	397	44	,	,	PUNCT
fsr-3428	397	45	r.	r.	PROPN
fsr-3428	397	46	a.	a.	NOUN
fsr-3428	397	47	of	of	ADP
fsr-3428	397	48	the	the	DET
fsr-3428	397	49	board	board	NOUN
fsr-3428	397	50	’s	’s	PART
fsr-3428	397	51	division	division	NOUN
fsr-3428	397	52	of	of	ADP
fsr-3428	397	53	research	research	NOUN
fsr-3428	397	54	and	and	CCONJ
fsr-3428	397	55	statistics	statistic	NOUN
fsr-3428	397	56	prepared	prepare	VERB
fsr-3428	397	57	this	this	DET
fsr-3428	397	58	article	article	NOUN
fsr-3428	397	59	with	with	ADP
fsr-3428	397	60	240	240	NUM
fsr-3428	397	61	n.	n.	PROPN
fsr-3428	397	62	macdonald	macdonald	PROPN
fsr-3428	397	63	,	,	PUNCT
fsr-3428	397	64	b.	b.	PROPN
fsr-3428	397	65	evans	evans	PROPN
fsr-3428	397	66	/	/	SYM
fsr-3428	397	67	financial	financial	ADJ
fsr-3428	397	68	services	service	NOUN
fsr-3428	397	69	review	review	VERB
fsr-3428	397	70	28	28	NUM
fsr-3428	397	71	(	(	PUNCT
fsr-3428	397	72	2020	2020	NUM
fsr-3428	397	73	)	)	PUNCT
fsr-3428	398	1	223–242	223–242	NUM
fsr-3428	398	2	assistance	assistance	NOUN
fsr-3428	398	3	from	from	ADP
fsr-3428	398	4	p.	p.	PROPN
fsr-3428	398	5	hansen	hansen	PROPN
fsr-3428	398	6	and	and	CCONJ
fsr-3428	398	7	e.	e.	PROPN
fsr-3428	398	8	llanes	llanes	PROPN
fsr-3428	398	9	.	.	PUNCT
fsr-3428	399	1	(	(	PUNCT
fsr-3428	399	2	2017	2017	NUM
fsr-3428	399	3	)	)	PUNCT
fsr-3428	399	4	.	.	PUNCT
fsr-3428	400	1	changes	change	NOUN
fsr-3428	400	2	in	in	ADP
fsr-3428	400	3	u.s	u.s	PROPN
fsr-3428	400	4	.	.	PROPN
fsr-3428	400	5	family	family	NOUN
fsr-3428	400	6	finances	finance	NOUN
fsr-3428	400	7	from	from	ADP
fsr-3428	400	8	2013	2013	NUM
fsr-3428	400	9	to	to	ADP
fsr-3428	400	10	2016	2016	NUM
fsr-3428	400	11	:	:	PUNCT
fsr-3428	400	12	evidence	evidence	NOUN
fsr-3428	400	13	from	from	ADP
fsr-3428	400	14	the	the	DET
fsr-3428	400	15	survey	survey	NOUN
fsr-3428	400	16	of	of	ADP
fsr-3428	400	17	consumer	consumer	NOUN
fsr-3428	400	18	finance	finance	NOUN
fsr-3428	400	19	.	.	PUNCT
fsr-3428	401	1	(	(	PUNCT
fsr-3428	401	2	available	available	ADJ
fsr-3428	401	3	at	at	ADP
fsr-3428	401	4	https://www.federalreserve.gov/publications/	https://www.federalreserve.gov/publications/	ADP
fsr-3428	401	5	files	file	NOUN
fsr-3428	401	6	/	/	SYM
fsr-3428	401	7	scf17.pdf	scf17.pdf	NOUN
fsr-3428	401	8	)	)	PUNCT
fsr-3428	401	9	.	.	PUNCT
fsr-3428	402	1	capital	capital	PROPN
fsr-3428	402	2	one	one	NUM
fsr-3428	402	3	.	.	PUNCT
fsr-3428	403	1	(	(	PUNCT
fsr-3428	403	2	2019	2019	NUM
fsr-3428	403	3	)	)	PUNCT
fsr-3428	403	4	.	.	PUNCT
fsr-3428	404	1	savor	savor	NOUN
fsr-3428	404	2	rewards	reward	VERB
fsr-3428	404	3	from	from	ADP
fsr-3428	404	4	capital	capital	NOUN
fsr-3428	404	5	one	one	NUM
fsr-3428	404	6	.	.	PUNCT
fsr-3428	405	1	capitalone.com	capitalone.com	X
fsr-3428	405	2	.	.	PUNCT
fsr-3428	406	1	(	(	PUNCT
fsr-3428	406	2	available	available	ADJ
fsr-3428	406	3	at	at	ADP
fsr-3428	406	4	https://www.capitalone	https://www.capitalone	PROPN
fsr-3428	406	5	.	.	PUNCT
fsr-3428	407	1	com	com	NOUN
fsr-3428	407	2	/	/	SYM
fsr-3428	407	3	credit	credit	NOUN
fsr-3428	407	4	-	-	PUNCT
fsr-3428	407	5	cards	card	NOUN
fsr-3428	407	6	/	/	SYM
fsr-3428	407	7	savor	savor	NOUN
fsr-3428	407	8	-	-	PUNCT
fsr-3428	407	9	dining	dining	NOUN
fsr-3428	407	10	-	-	PUNCT
fsr-3428	407	11	rewards/	rewards/	VERB
fsr-3428	407	12	)	)	PUNCT
fsr-3428	407	13	.	.	PUNCT
fsr-3428	408	1	carten	carten	VERB
fsr-3428	408	2	,	,	PUNCT
fsr-3428	408	3	m.	m.	NOUN
fsr-3428	408	4	,	,	PUNCT
fsr-3428	408	5	littman	littman	PROPN
fsr-3428	408	6	,	,	PUNCT
fsr-3428	408	7	d.	d.	PROPN
fsr-3428	408	8	,	,	PUNCT
fsr-3428	408	9	schuh	schuh	PROPN
fsr-3428	408	10	,	,	PUNCT
fsr-3428	408	11	s.	s.	PROPN
fsr-3428	408	12	,	,	PUNCT
fsr-3428	408	13	&	&	CCONJ
fsr-3428	408	14	stavins	stavin	NOUN
fsr-3428	408	15	,	,	PUNCT
fsr-3428	408	16	j.	j.	PROPN
fsr-3428	408	17	(	(	PUNCT
fsr-3428	408	18	2007	2007	NUM
fsr-3428	408	19	)	)	PUNCT
fsr-3428	408	20	.	.	PUNCT
fsr-3428	409	1	consumer	consumer	NOUN
fsr-3428	409	2	behavior	behavior	NOUN
fsr-3428	409	3	and	and	CCONJ
fsr-3428	409	4	payment	payment	NOUN
fsr-3428	409	5	choice	choice	NOUN
fsr-3428	409	6	:	:	PUNCT
fsr-3428	409	7	2006	2006	NUM
fsr-3428	409	8	conference	conference	NOUN
fsr-3428	409	9	summary	summary	NOUN
fsr-3428	409	10	(	(	PUNCT
fsr-3428	409	11	public	public	ADJ
fsr-3428	409	12	policy	policy	NOUN
fsr-3428	409	13	discussion	discussion	NOUN
fsr-3428	409	14	paper	paper	NOUN
fsr-3428	409	15	no	no	INTJ
fsr-3428	409	16	.	.	NOUN
fsr-3428	410	1	07	07	NUM
fsr-3428	410	2	-	-	SYM
fsr-3428	410	3	4	4	NUM
fsr-3428	410	4	)	)	PUNCT
fsr-3428	410	5	.	.	PUNCT
fsr-3428	411	1	boston	boston	PROPN
fsr-3428	411	2	,	,	PUNCT
fsr-3428	411	3	ma	ma	PROPN
fsr-3428	411	4	:	:	PUNCT
fsr-3428	411	5	federal	federal	PROPN
fsr-3428	411	6	reserve	reserve	PROPN
fsr-3428	411	7	bank	bank	PROPN
fsr-3428	411	8	of	of	ADP
fsr-3428	411	9	boston	boston	PROPN
fsr-3428	411	10	.	.	PUNCT
fsr-3428	412	1	census.gov	census.gov	PROPN
fsr-3428	412	2	.	.	PUNCT
fsr-3428	412	3	(	(	PUNCT
fsr-3428	412	4	2019	2019	NUM
fsr-3428	412	5	)	)	PUNCT
fsr-3428	412	6	.	.	PUNCT
fsr-3428	413	1	2019	2019	NUM
fsr-3428	413	2	u.s	u.s	PROPN
fsr-3428	413	3	.	.	PROPN
fsr-3428	413	4	population	population	NOUN
fsr-3428	413	5	estimates	estimate	NOUN
fsr-3428	413	6	continue	continue	VERB
fsr-3428	413	7	to	to	PART
fsr-3428	413	8	show	show	VERB
fsr-3428	413	9	the	the	DET
fsr-3428	413	10	nation	nation	NOUN
fsr-3428	413	11	’s	’s	PART
fsr-3428	413	12	growth	growth	NOUN
fsr-3428	413	13	is	be	AUX
fsr-3428	413	14	slowing	slow	VERB
fsr-3428	413	15	.	.	PUNCT
fsr-3428	414	1	(	(	PUNCT
fsr-3428	414	2	available	available	ADJ
fsr-3428	414	3	at	at	ADP
fsr-3428	414	4	https://www.census.gov/newsroom/press-releases/2019/popest-nation.html	https://www.census.gov/newsroom/press-releases/2019/popest-nation.html	PROPN
fsr-3428	414	5	)	)	PUNCT
fsr-3428	414	6	.	.	PUNCT
fsr-3428	415	1	chase	chase	NOUN
fsr-3428	415	2	.	.	PUNCT
fsr-3428	416	1	(	(	PUNCT
fsr-3428	416	2	2020	2020	NUM
fsr-3428	416	3	)	)	PUNCT
fsr-3428	416	4	.	.	PUNCT
fsr-3428	417	1	chase	chase	PROPN
fsr-3428	417	2	sapphire	sapphire	PROPN
fsr-3428	417	3	reserve	reserve	PROPN
fsr-3428	417	4	.	.	PUNCT
fsr-3428	418	1	chase.com	chase.com	X
fsr-3428	418	2	.	.	PUNCT
fsr-3428	419	1	(	(	PUNCT
fsr-3428	419	2	available	available	ADJ
fsr-3428	419	3	at	at	ADP
fsr-3428	419	4	https://creditcards.chase.com/rewards-creditcards/sapphire/reserve	https://creditcards.chase.com/rewards-creditcards/sapphire/reserve	PROPN
fsr-3428	419	5	)	)	PUNCT
fsr-3428	419	6	.	.	PUNCT
fsr-3428	420	1	chatterjee	chatterjee	PROPN
fsr-3428	420	2	,	,	PUNCT
fsr-3428	420	3	p.	p.	PROPN
fsr-3428	420	4	,	,	PUNCT
fsr-3428	420	5	&	&	CCONJ
fsr-3428	420	6	rose	rise	VERB
fsr-3428	420	7	,	,	PUNCT
fsr-3428	420	8	r.	r.	PROPN
fsr-3428	420	9	l.	l.	PROPN
fsr-3428	420	10	(	(	PUNCT
fsr-3428	420	11	2012	2012	NUM
fsr-3428	420	12	)	)	PUNCT
fsr-3428	420	13	.	.	PUNCT
fsr-3428	421	1	do	do	AUX
fsr-3428	421	2	payment	payment	NOUN
fsr-3428	421	3	mechanisms	mechanism	NOUN
fsr-3428	421	4	change	change	VERB
fsr-3428	421	5	the	the	DET
fsr-3428	421	6	way	way	NOUN
fsr-3428	421	7	consumers	consumer	NOUN
fsr-3428	421	8	perceive	perceive	ADJ
fsr-3428	421	9	products	product	NOUN
fsr-3428	421	10	?	?	PUNCT
fsr-3428	422	1	journal	journal	NOUN
fsr-3428	422	2	of	of	ADP
fsr-3428	422	3	consumer	consumer	NOUN
fsr-3428	422	4	research	research	NOUN
fsr-3428	422	5	,	,	PUNCT
fsr-3428	422	6	38	38	NUM
fsr-3428	422	7	,	,	PUNCT
fsr-3428	422	8	1129	1129	NUM
fsr-3428	422	9	-	-	SYM
fsr-3428	422	10	1139	1139	NUM
fsr-3428	422	11	.	.	PUNCT
fsr-3428	423	1	ching	ching	PROPN
fsr-3428	423	2	,	,	PUNCT
fsr-3428	423	3	a.	a.	NOUN
fsr-3428	423	4	t.	t.	PROPN
fsr-3428	423	5	,	,	PUNCT
fsr-3428	423	6	&	&	CCONJ
fsr-3428	423	7	hayashi	hayashi	PROPN
fsr-3428	423	8	,	,	PUNCT
fsr-3428	423	9	f.	f.	PROPN
fsr-3428	423	10	(	(	PUNCT
fsr-3428	423	11	2010	2010	NUM
fsr-3428	423	12	)	)	PUNCT
fsr-3428	423	13	.	.	PUNCT
fsr-3428	424	1	payment	payment	NOUN
fsr-3428	424	2	card	card	NOUN
fsr-3428	424	3	rewards	reward	VERB
fsr-3428	424	4	programs	program	NOUN
fsr-3428	424	5	and	and	CCONJ
fsr-3428	424	6	consumer	consumer	NOUN
fsr-3428	424	7	payment	payment	NOUN
fsr-3428	424	8	choice	choice	NOUN
fsr-3428	424	9	.	.	PUNCT
fsr-3428	425	1	journal	journal	NOUN
fsr-3428	425	2	of	of	ADP
fsr-3428	425	3	banking	banking	NOUN
fsr-3428	425	4	&	&	CCONJ
fsr-3428	425	5	finance	finance	PROPN
fsr-3428	425	6	,	,	PUNCT
fsr-3428	425	7	34	34	NUM
fsr-3428	425	8	,	,	PUNCT
fsr-3428	425	9	1773	1773	NUM
fsr-3428	425	10	-	-	SYM
fsr-3428	425	11	1787	1787	NUM
fsr-3428	425	12	.	.	PUNCT
fsr-3428	426	1	citi	citi	PROPN
fsr-3428	426	2	.	.	PUNCT
fsr-3428	427	1	(	(	PUNCT
fsr-3428	427	2	2019	2019	NUM
fsr-3428	427	3	)	)	PUNCT
fsr-3428	427	4	.	.	PUNCT
fsr-3428	428	1	citi	citi	PROPN
fsr-3428	428	2	credit	credit	NOUN
fsr-3428	428	3	cards	card	NOUN
fsr-3428	428	4	.	.	PUNCT
fsr-3428	429	1	citi.com	citi.com	X
fsr-3428	429	2	.	.	PUNCT
fsr-3428	430	1	(	(	PUNCT
fsr-3428	430	2	available	available	ADJ
fsr-3428	430	3	at	at	ADP
fsr-3428	430	4	https://www.citi.com/credit-cards/credit-card-details/citi	https://www.citi.com/credit-cards/credit-card-details/citi	NOUN
fsr-3428	430	5	.	.	PUNCT
fsr-3428	431	1	action?id	action?id	PROPN
fsr-3428	431	2	=	=	SYM
fsr-3428	431	3	citi	citi	NOUN
fsr-3428	431	4	-	-	PUNCT
fsr-3428	431	5	double	double	ADJ
fsr-3428	431	6	-	-	PUNCT
fsr-3428	431	7	cash	cash	NOUN
fsr-3428	431	8	-	-	PUNCT
fsr-3428	431	9	credit	credit	NOUN
fsr-3428	431	10	-	-	PUNCT
fsr-3428	431	11	card	card	NOUN
fsr-3428	431	12	)	)	PUNCT
fsr-3428	431	13	.	.	PUNCT
fsr-3428	432	1	cochran	cochran	PROPN
fsr-3428	432	2	,	,	PUNCT
fsr-3428	432	3	w.	w.	PROPN
fsr-3428	432	4	,	,	PUNCT
fsr-3428	432	5	&	&	CCONJ
fsr-3428	432	6	tesser	tesser	NOUN
fsr-3428	432	7	,	,	PUNCT
fsr-3428	432	8	a.	a.	NOUN
fsr-3428	432	9	(	(	PUNCT
fsr-3428	432	10	1996	1996	NUM
fsr-3428	432	11	)	)	PUNCT
fsr-3428	432	12	.	.	PUNCT
fsr-3428	433	1	the	the	DET
fsr-3428	433	2	‘	'	PUNCT
fsr-3428	433	3	what	what	PRON
fsr-3428	433	4	the	the	DET
fsr-3428	433	5	hell	hell	NOUN
fsr-3428	433	6	effect	effect	NOUN
fsr-3428	433	7	’	'	PUNCT
fsr-3428	433	8	:	:	PUNCT
fsr-3428	433	9	some	some	DET
fsr-3428	433	10	effects	effect	NOUN
fsr-3428	433	11	of	of	ADP
fsr-3428	433	12	goal	goal	NOUN
fsr-3428	433	13	proximity	proximity	NOUN
fsr-3428	433	14	and	and	CCONJ
fsr-3428	433	15	goal	goal	NOUN
fsr-3428	433	16	framing	frame	VERB
fsr-3428	433	17	on	on	ADP
fsr-3428	433	18	performance	performance	NOUN
fsr-3428	433	19	.	.	PUNCT
fsr-3428	434	1	in	in	ADP
fsr-3428	434	2	l.	l.	PROPN
fsr-3428	434	3	l.	l.	PROPN
fsr-3428	434	4	martin	martin	PROPN
fsr-3428	434	5	&	&	CCONJ
fsr-3428	434	6	a.	a.	PROPN
fsr-3428	434	7	tesser	tesser	PROPN
fsr-3428	434	8	(	(	PUNCT
fsr-3428	434	9	eds	ed	NOUN
fsr-3428	434	10	.	.	PUNCT
fsr-3428	434	11	)	)	PUNCT
fsr-3428	434	12	,	,	PUNCT
fsr-3428	434	13	striving	strive	VERB
fsr-3428	434	14	and	and	CCONJ
fsr-3428	434	15	feeling	feeling	NOUN
fsr-3428	434	16	:	:	PUNCT
fsr-3428	434	17	interactions	interaction	NOUN
fsr-3428	434	18	among	among	ADP
fsr-3428	434	19	goals	goal	NOUN
fsr-3428	434	20	,	,	PUNCT
fsr-3428	434	21	affect	affect	VERB
fsr-3428	434	22	,	,	PUNCT
fsr-3428	434	23	and	and	CCONJ
fsr-3428	434	24	self	self	NOUN
fsr-3428	434	25	-	-	PUNCT
fsr-3428	434	26	regulation	regulation	NOUN
fsr-3428	434	27	(	(	PUNCT
fsr-3428	434	28	pp	pp	ADJ
fsr-3428	434	29	.	.	PUNCT
fsr-3428	435	1	99	99	NUM
fsr-3428	435	2	-	-	SYM
fsr-3428	435	3	120	120	NUM
fsr-3428	435	4	)	)	PUNCT
fsr-3428	435	5	.	.	PUNCT
fsr-3428	436	1	mahwah	mahwah	PROPN
fsr-3428	436	2	,	,	PUNCT
fsr-3428	436	3	nj	nj	PROPN
fsr-3428	436	4	:	:	PUNCT
fsr-3428	436	5	lawrence	lawrence	PROPN
fsr-3428	436	6	erlbaum	erlbaum	PROPN
fsr-3428	436	7	&	&	CCONJ
fsr-3428	436	8	associates	associates	PROPN
fsr-3428	436	9	,	,	PUNCT
fsr-3428	436	10	creditcards.com	creditcards.com	X
fsr-3428	436	11	.	.	PUNCT
fsr-3428	436	12	(	(	PUNCT
fsr-3428	436	13	2018	2018	NUM
fsr-3428	436	14	)	)	PUNCT
fsr-3428	436	15	.	.	PUNCT
fsr-3428	437	1	americans	americans	PROPN
fsr-3428	437	2	love	love	VERB
fsr-3428	437	3	their	their	PRON
fsr-3428	437	4	cash	cash	NOUN
fsr-3428	437	5	back	back	ADP
fsr-3428	437	6	credit	credit	NOUN
fsr-3428	437	7	cards	card	NOUN
fsr-3428	437	8	.	.	PUNCT
fsr-3428	438	1	article	article	NOUN
fsr-3428	438	2	by	by	ADP
fsr-3428	438	3	ted	ted	PROPN
fsr-3428	438	4	rossman	rossman	NOUN
fsr-3428	438	5	.	.	PUNCT
fsr-3428	439	1	(	(	PUNCT
fsr-3428	439	2	available	available	ADJ
fsr-3428	439	3	at	at	ADP
fsr-3428	439	4	https://www.creditcards.com/credit-card-news/survey-americans-prefer-cash-back-credit-cards.php	https://www.creditcards.com/credit-card-news/survey-americans-prefer-cash-back-credit-cards.php	PROPN
fsr-3428	439	5	)	)	PUNCT
fsr-3428	439	6	.	.	PUNCT
fsr-3428	440	1	genter	genter	PROPN
fsr-3428	440	2	,	,	PUNCT
fsr-3428	440	3	j.	j.	PROPN
fsr-3428	440	4	t.	t.	PROPN
fsr-3428	440	5	(	(	PUNCT
fsr-3428	440	6	2018	2018	NUM
fsr-3428	440	7	)	)	PUNCT
fsr-3428	440	8	.	.	PUNCT
fsr-3428	441	1	why	why	SCONJ
fsr-3428	441	2	dave	dave	PROPN
fsr-3428	441	3	ramsey	ramsey	PROPN
fsr-3428	441	4	is	be	AUX
fsr-3428	441	5	both	both	ADV
fsr-3428	441	6	right	right	ADJ
fsr-3428	441	7	and	and	CCONJ
fsr-3428	441	8	wrong	wrong	ADJ
fsr-3428	441	9	on	on	ADP
fsr-3428	441	10	credit	credit	NOUN
fsr-3428	441	11	cards	card	NOUN
fsr-3428	441	12	.	.	PUNCT
fsr-3428	442	1	(	(	PUNCT
fsr-3428	442	2	available	available	ADJ
fsr-3428	442	3	at	at	ADP
fsr-3428	442	4	https://	https://	PROPN
fsr-3428	442	5	thepointsguy.com/2018/03/dave-ramsey-right-wrong-credit-cards/	thepointsguy.com/2018/03/dave-ramsey-right-wrong-credit-cards/	PROPN
fsr-3428	442	6	)	)	PUNCT
fsr-3428	442	7	.	.	PUNCT
fsr-3428	443	1	hayashi	hayashi	PROPN
fsr-3428	443	2	,	,	PUNCT
fsr-3428	443	3	f.	f.	PROPN
fsr-3428	443	4	(	(	PUNCT
fsr-3428	443	5	2009	2009	NUM
fsr-3428	443	6	)	)	PUNCT
fsr-3428	443	7	.	.	PUNCT
fsr-3428	444	1	do	do	AUX
fsr-3428	444	2	u.s	u.s	PROPN
fsr-3428	444	3	.	.	PROPN
fsr-3428	444	4	consumers	consumer	NOUN
fsr-3428	444	5	really	really	ADV
fsr-3428	444	6	benefit	benefit	VERB
fsr-3428	444	7	from	from	ADP
fsr-3428	444	8	payment	payment	NOUN
fsr-3428	444	9	card	card	NOUN
fsr-3428	444	10	rewards	reward	NOUN
fsr-3428	444	11	?	?	PUNCT
fsr-3428	444	12	.	.	PUNCT
fsr-3428	445	1	economic	economic	ADJ
fsr-3428	445	2	review	review	PROPN
fsr-3428	445	3	,	,	PUNCT
fsr-3428	445	4	94	94	NUM
fsr-3428	445	5	,	,	PUNCT
fsr-3428	445	6	37	37	NUM
fsr-3428	445	7	-	-	SYM
fsr-3428	445	8	63	63	NUM
fsr-3428	445	9	.	.	PUNCT
fsr-3428	445	10	isa	isa	PROPN
fsr-3428	445	11	,	,	PUNCT
fsr-3428	445	12	e.	e.	PROPN
fsr-3428	445	13	e.	e.	PROPN
fsr-3428	445	14	(	(	PUNCT
fsr-3428	445	15	2019	2019	NUM
fsr-3428	445	16	)	)	PUNCT
fsr-3428	445	17	.	.	PUNCT
fsr-3428	446	1	2019	2019	NUM
fsr-3428	446	2	american	american	ADJ
fsr-3428	446	3	household	household	NOUN
fsr-3428	446	4	credit	credit	NOUN
fsr-3428	446	5	card	card	NOUN
fsr-3428	446	6	debt	debt	NOUN
fsr-3428	446	7	study	study	NOUN
fsr-3428	446	8	.	.	PUNCT
fsr-3428	447	1	(	(	PUNCT
fsr-3428	447	2	available	available	ADJ
fsr-3428	447	3	at	at	ADP
fsr-3428	447	4	https://www.nerdwallet.com/	https://www.nerdwallet.com/	ADJ
fsr-3428	447	5	blog	blog	PROPN
fsr-3428	447	6	/	/	SYM
fsr-3428	447	7	average	average	ADJ
fsr-3428	447	8	-	-	PUNCT
fsr-3428	447	9	credit	credit	NOUN
fsr-3428	447	10	-	-	PUNCT
fsr-3428	447	11	card	card	NOUN
fsr-3428	447	12	-	-	PUNCT
fsr-3428	447	13	debt	debt	NOUN
fsr-3428	447	14	-	-	PUNCT
fsr-3428	447	15	household/#footnote	household/#footnote	NOUN
fsr-3428	447	16	-	-	PUNCT
fsr-3428	447	17	two	two	NUM
fsr-3428	447	18	)	)	PUNCT
fsr-3428	447	19	.	.	PUNCT
fsr-3428	448	1	jalbert	jalbert	PROPN
fsr-3428	448	2	,	,	PUNCT
fsr-3428	448	3	t.	t.	PROPN
fsr-3428	448	4	,	,	PUNCT
fsr-3428	448	5	stewart	stewart	PROPN
fsr-3428	448	6	,	,	PUNCT
fsr-3428	448	7	j.	j.	PROPN
fsr-3428	448	8	d.	d.	PROPN
fsr-3428	448	9	,	,	PUNCT
fsr-3428	448	10	&	&	CCONJ
fsr-3428	448	11	martin	martin	PROPN
fsr-3428	448	12	,	,	PUNCT
fsr-3428	448	13	d.	d.	PROPN
fsr-3428	448	14	(	(	PUNCT
fsr-3428	448	15	2010	2010	NUM
fsr-3428	448	16	)	)	PUNCT
fsr-3428	448	17	.	.	PUNCT
fsr-3428	449	1	the	the	DET
fsr-3428	449	2	value	value	NOUN
fsr-3428	449	3	of	of	ADP
fsr-3428	449	4	credit	credit	NOUN
fsr-3428	449	5	card	card	NOUN
fsr-3428	449	6	benefits	benefit	NOUN
fsr-3428	449	7	.	.	PUNCT
fsr-3428	450	1	financial	financial	ADJ
fsr-3428	450	2	services	service	NOUN
fsr-3428	450	3	review	review	PROPN
fsr-3428	450	4	,	,	PUNCT
fsr-3428	450	5	19	19	NUM
fsr-3428	450	6	,	,	PUNCT
fsr-3428	450	7	227	227	NUM
fsr-3428	450	8	-	-	SYM
fsr-3428	450	9	244	244	NUM
fsr-3428	450	10	.	.	PUNCT
fsr-3428	451	1	kerr	kerr	PROPN
fsr-3428	451	2	,	,	PUNCT
fsr-3428	451	3	r.	r.	PROPN
fsr-3428	451	4	(	(	PUNCT
fsr-3428	451	5	2019	2019	NUM
fsr-3428	451	6	)	)	PUNCT
fsr-3428	451	7	.	.	PUNCT
fsr-3428	452	1	chase	chase	PROPN
fsr-3428	452	2	’s	’s	PART
fsr-3428	452	3	5/24	5/24	NUM
fsr-3428	452	4	rule	rule	NOUN
fsr-3428	452	5	:	:	PUNCT
fsr-3428	452	6	everything	everything	PRON
fsr-3428	452	7	you	you	PRON
fsr-3428	452	8	need	need	VERB
fsr-3428	452	9	to	to	PART
fsr-3428	452	10	know	know	VERB
fsr-3428	452	11	.	.	PUNCT
fsr-3428	453	1	(	(	PUNCT
fsr-3428	453	2	available	available	ADJ
fsr-3428	453	3	at	at	ADP
fsr-3428	453	4	https://thepointsguy.com/guide/	https://thepointsguy.com/guide/	X
fsr-3428	453	5	ultimate	ultimate	ADJ
fsr-3428	453	6	-	-	PUNCT
fsr-3428	453	7	guide	guide	NOUN
fsr-3428	453	8	-	-	PUNCT
fsr-3428	453	9	chase-5	chase-5	NOUN
fsr-3428	453	10	-	-	PUNCT
fsr-3428	453	11	24	24	NUM
fsr-3428	453	12	-	-	PUNCT
fsr-3428	453	13	rule/	rule/	NOUN
fsr-3428	453	14	)	)	PUNCT
fsr-3428	453	15	.	.	PUNCT
fsr-3428	454	1	king	king	PROPN
fsr-3428	454	2	,	,	PUNCT
fsr-3428	454	3	a.	a.	PROPN
fsr-3428	454	4	s.	s.	PROPN
fsr-3428	454	5	,	,	PUNCT
fsr-3428	454	6	&	&	CCONJ
fsr-3428	454	7	king	king	PROPN
fsr-3428	454	8	,	,	PUNCT
fsr-3428	454	9	j.	j.	PROPN
fsr-3428	454	10	t.	t.	PROPN
fsr-3428	454	11	(	(	PUNCT
fsr-3428	454	12	2011	2011	NUM
fsr-3428	454	13	)	)	PUNCT
fsr-3428	454	14	.	.	PUNCT
fsr-3428	455	1	golden	golden	ADJ
fsr-3428	455	2	eggs	egg	NOUN
fsr-3428	455	3	versus	versus	ADP
fsr-3428	455	4	plastic	plastic	ADJ
fsr-3428	455	5	eggs	egg	NOUN
fsr-3428	455	6	:	:	PUNCT
fsr-3428	455	7	hyperbolic	hyperbolic	ADJ
fsr-3428	455	8	preferences	preference	NOUN
fsr-3428	455	9	and	and	CCONJ
fsr-3428	455	10	the	the	DET
fsr-3428	455	11	persistence	persistence	NOUN
fsr-3428	455	12	of	of	ADP
fsr-3428	455	13	debit	debit	NOUN
fsr-3428	455	14	.	.	PUNCT
fsr-3428	456	1	journal	journal	PROPN
fsr-3428	456	2	of	of	ADP
fsr-3428	456	3	economics	economic	NOUN
fsr-3428	456	4	and	and	CCONJ
fsr-3428	456	5	finance	finance	NOUN
fsr-3428	456	6	,	,	PUNCT
fsr-3428	456	7	35	35	NUM
fsr-3428	456	8	,	,	PUNCT
fsr-3428	456	9	93	93	NUM
fsr-3428	456	10	-	-	SYM
fsr-3428	456	11	103	103	NUM
fsr-3428	456	12	.	.	PUNCT
fsr-3428	457	1	king	king	PROPN
fsr-3428	457	2	,	,	PUNCT
fsr-3428	457	3	a.	a.	PROPN
fsr-3428	457	4	s.	s.	PROPN
fsr-3428	457	5	,	,	PUNCT
fsr-3428	457	6	&	&	CCONJ
fsr-3428	457	7	king	king	PROPN
fsr-3428	457	8	,	,	PUNCT
fsr-3428	457	9	j.	j.	PROPN
fsr-3428	457	10	t.	t.	PROPN
fsr-3428	457	11	(	(	PUNCT
fsr-3428	457	12	2005	2005	NUM
fsr-3428	457	13	)	)	PUNCT
fsr-3428	457	14	.	.	PUNCT
fsr-3428	458	1	the	the	DET
fsr-3428	458	2	decision	decision	NOUN
fsr-3428	458	3	between	between	ADP
fsr-3428	458	4	debit	debit	NOUN
fsr-3428	458	5	and	and	CCONJ
fsr-3428	458	6	credit	credit	NOUN
fsr-3428	458	7	:	:	PUNCT
fsr-3428	458	8	finance	finance	NOUN
fsr-3428	458	9	charges	charge	NOUN
fsr-3428	458	10	,	,	PUNCT
fsr-3428	458	11	float	float	VERB
fsr-3428	458	12	and	and	CCONJ
fsr-3428	458	13	fear	fear	NOUN
fsr-3428	458	14	.	.	PUNCT
fsr-3428	459	1	financial	financial	ADJ
fsr-3428	459	2	services	service	NOUN
fsr-3428	459	3	review	review	PROPN
fsr-3428	459	4	,	,	PUNCT
fsr-3428	459	5	14	14	NUM
fsr-3428	459	6	,	,	PUNCT
fsr-3428	459	7	21	21	NUM
fsr-3428	459	8	-	-	SYM
fsr-3428	459	9	36	36	NUM
fsr-3428	459	10	.	.	PUNCT
fsr-3428	460	1	lopes	lopes	PROPN
fsr-3428	460	2	,	,	PUNCT
fsr-3428	460	3	p.	p.	NOUN
fsr-3428	460	4	(	(	PUNCT
fsr-3428	460	5	2008	2008	NUM
fsr-3428	460	6	)	)	PUNCT
fsr-3428	460	7	.	.	PUNCT
fsr-3428	461	1	credit	credit	NOUN
fsr-3428	461	2	card	card	NOUN
fsr-3428	461	3	debt	debt	NOUN
fsr-3428	461	4	and	and	CCONJ
fsr-3428	461	5	default	default	NOUN
fsr-3428	461	6	over	over	ADP
fsr-3428	461	7	the	the	DET
fsr-3428	461	8	life	life	NOUN
fsr-3428	461	9	cycle	cycle	NOUN
fsr-3428	461	10	.	.	PUNCT
fsr-3428	462	1	journal	journal	NOUN
fsr-3428	462	2	of	of	ADP
fsr-3428	462	3	money	money	NOUN
fsr-3428	462	4	,	,	PUNCT
fsr-3428	462	5	credit	credit	NOUN
fsr-3428	462	6	and	and	CCONJ
fsr-3428	462	7	banking	banking	NOUN
fsr-3428	462	8	,	,	PUNCT
fsr-3428	462	9	40	40	NUM
fsr-3428	462	10	,	,	PUNCT
fsr-3428	462	11	769	769	NUM
fsr-3428	462	12	-	-	PUNCT
fsr-3428	462	13	790	790	NUM
fsr-3428	462	14	.	.	PUNCT
fsr-3428	463	1	report	report	NOUN
fsr-3428	463	2	,	,	PUNCT
fsr-3428	463	3	n.	n.	NOUN
fsr-3428	463	4	(	(	PUNCT
fsr-3428	463	5	2019	2019	NUM
fsr-3428	463	6	)	)	PUNCT
fsr-3428	463	7	.	.	PUNCT
fsr-3428	464	1	u.s	u.s	PROPN
fsr-3428	464	2	.	.	PROPN
fsr-3428	464	3	card	card	NOUN
fsr-3428	464	4	spending	spending	NOUN
fsr-3428	464	5	at	at	ADP
fsr-3428	464	6	merchants	merchant	NOUN
fsr-3428	464	7	.	.	PUNCT
fsr-3428	465	1	the	the	DET
fsr-3428	465	2	nilson	nilson	PROPN
fsr-3428	465	3	report	report	PROPN
fsr-3428	465	4	.	.	PUNCT
fsr-3428	466	1	(	(	PUNCT
fsr-3428	466	2	available	available	ADJ
fsr-3428	466	3	at	at	ADP
fsr-3428	466	4	https://nilsonreport.com/	https://nilsonreport.com/	PROPN
fsr-3428	466	5	publication_the_current_issue.php	publication_the_current_issue.php	PROPN
fsr-3428	466	6	)	)	PUNCT
fsr-3428	466	7	.	.	PUNCT
fsr-3428	467	1	o’shea	o’shea	PROPN
fsr-3428	467	2	,	,	PUNCT
fsr-3428	467	3	b.	b.	PROPN
fsr-3428	467	4	(	(	PUNCT
fsr-3428	467	5	2019	2019	NUM
fsr-3428	467	6	)	)	PUNCT
fsr-3428	467	7	.	.	PUNCT
fsr-3428	468	1	what	what	PRON
fsr-3428	468	2	is	be	AUX
fsr-3428	468	3	a	a	DET
fsr-3428	468	4	fico	fico	NOUN
fsr-3428	468	5	score	score	NOUN
fsr-3428	468	6	?	?	PUNCT
fsr-3428	469	1	(	(	PUNCT
fsr-3428	469	2	available	available	ADJ
fsr-3428	469	3	at	at	ADP
fsr-3428	469	4	https://www.nerdwallet.com/blog/finance/comparingcredit-scores/	https://www.nerdwallet.com/blog/finance/comparingcredit-scores/	NOUN
fsr-3428	469	5	)	)	PUNCT
fsr-3428	469	6	.	.	PUNCT
fsr-3428	470	1	prelec	prelec	PROPN
fsr-3428	470	2	,	,	PUNCT
fsr-3428	470	3	d.	d.	PROPN
fsr-3428	470	4	,	,	PUNCT
fsr-3428	470	5	&	&	CCONJ
fsr-3428	470	6	simester	simester	PROPN
fsr-3428	470	7	,	,	PUNCT
fsr-3428	470	8	d.	d.	PROPN
fsr-3428	470	9	(	(	PUNCT
fsr-3428	470	10	2001	2001	NUM
fsr-3428	470	11	)	)	PUNCT
fsr-3428	470	12	.	.	PUNCT
fsr-3428	471	1	always	always	ADV
fsr-3428	471	2	leave	leave	VERB
fsr-3428	471	3	home	home	ADV
fsr-3428	471	4	without	without	ADP
fsr-3428	471	5	it	it	PRON
fsr-3428	471	6	:	:	PUNCT
fsr-3428	471	7	a	a	DET
fsr-3428	471	8	further	further	ADJ
fsr-3428	471	9	investigation	investigation	NOUN
fsr-3428	471	10	of	of	ADP
fsr-3428	471	11	the	the	DET
fsr-3428	471	12	credit	credit	NOUN
fsr-3428	471	13	-	-	PUNCT
fsr-3428	471	14	card	card	NOUN
fsr-3428	471	15	effect	effect	NOUN
fsr-3428	471	16	on	on	ADP
fsr-3428	471	17	willingness	willingness	NOUN
fsr-3428	471	18	to	to	ADP
fsr-3428	471	19	pay.marketing	pay.markete	VERB
fsr-3428	471	20	letters	letter	NOUN
fsr-3428	471	21	,	,	PUNCT
fsr-3428	471	22	12	12	NUM
fsr-3428	471	23	,	,	PUNCT
fsr-3428	471	24	5	5	NUM
fsr-3428	471	25	-	-	SYM
fsr-3428	471	26	12	12	NUM
fsr-3428	471	27	.	.	PUNCT
fsr-3428	472	1	ramsey	ramsey	PROPN
fsr-3428	472	2	,	,	PUNCT
fsr-3428	472	3	d.	d.	PROPN
fsr-3428	472	4	(	(	PUNCT
fsr-3428	472	5	2019	2019	NUM
fsr-3428	472	6	)	)	PUNCT
fsr-3428	472	7	.	.	PUNCT
fsr-3428	473	1	the	the	DET
fsr-3428	473	2	philosophy	philosophy	NOUN
fsr-3428	473	3	of	of	ADP
fsr-3428	473	4	credit	credit	NOUN
fsr-3428	473	5	card	card	NOUN
fsr-3428	473	6	use	use	NOUN
fsr-3428	473	7	.	.	PUNCT
fsr-3428	474	1	daveramsey.com	daveramsey.com	X
fsr-3428	474	2	.	.	PUNCT
fsr-3428	475	1	(	(	PUNCT
fsr-3428	475	2	available	available	ADJ
fsr-3428	475	3	at	at	ADP
fsr-3428	475	4	https://www	https://www	PROPN
fsr-3428	475	5	.	.	PUNCT
fsr-3428	476	1	daveramsey.com/askdave/debt/the-philosophy-of-credit-card-use	daveramsey.com/askdave/debt/the-philosophy-of-credit-card-use	NOUN
fsr-3428	476	2	)	)	PUNCT
fsr-3428	476	3	.	.	PUNCT
fsr-3428	477	1	ricaldi	ricaldi	PROPN
fsr-3428	477	2	,	,	PUNCT
fsr-3428	477	3	l.	l.	PROPN
fsr-3428	477	4	,	,	PUNCT
fsr-3428	477	5	finke	finke	PROPN
fsr-3428	477	6	,	,	PUNCT
fsr-3428	477	7	m.	m.	NOUN
fsr-3428	477	8	s.	s.	PROPN
fsr-3428	477	9	,	,	PUNCT
fsr-3428	477	10	&	&	CCONJ
fsr-3428	477	11	huston	huston	PROPN
fsr-3428	477	12	,	,	PUNCT
fsr-3428	477	13	s.	s.	PROPN
fsr-3428	477	14	j.	j.	PROPN
fsr-3428	477	15	(	(	PUNCT
fsr-3428	477	16	2013	2013	NUM
fsr-3428	477	17	)	)	PUNCT
fsr-3428	477	18	.	.	PUNCT
fsr-3428	478	1	financial	financial	ADJ
fsr-3428	478	2	literacy	literacy	NOUN
fsr-3428	478	3	and	and	CCONJ
fsr-3428	478	4	shrouded	shrouded	ADJ
fsr-3428	478	5	credit	credit	NOUN
fsr-3428	478	6	card	card	NOUN
fsr-3428	478	7	rewards	reward	NOUN
fsr-3428	478	8	.	.	PUNCT
fsr-3428	479	1	journal	journal	NOUN
fsr-3428	479	2	of	of	ADP
fsr-3428	479	3	financial	financial	ADJ
fsr-3428	479	4	services	service	NOUN
fsr-3428	479	5	marketing	marketing	NOUN
fsr-3428	479	6	,	,	PUNCT
fsr-3428	479	7	18	18	NUM
fsr-3428	479	8	,	,	PUNCT
fsr-3428	479	9	177	177	NUM
fsr-3428	479	10	-	-	SYM
fsr-3428	479	11	187	187	NUM
fsr-3428	479	12	.	.	PUNCT
fsr-3428	480	1	soll	soll	PROPN
fsr-3428	480	2	,	,	PUNCT
fsr-3428	480	3	j.	j.	PROPN
fsr-3428	480	4	b.	b.	PROPN
fsr-3428	480	5	,	,	PUNCT
fsr-3428	480	6	keeney	keeney	PROPN
fsr-3428	480	7	,	,	PUNCT
fsr-3428	480	8	r.	r.	PROPN
fsr-3428	480	9	l.	l.	PROPN
fsr-3428	480	10	,	,	PUNCT
fsr-3428	480	11	&	&	CCONJ
fsr-3428	480	12	larrick	larrick	PROPN
fsr-3428	480	13	,	,	PUNCT
fsr-3428	480	14	r.	r.	PROPN
fsr-3428	480	15	p.	p.	PROPN
fsr-3428	480	16	(	(	PUNCT
fsr-3428	480	17	2013	2013	NUM
fsr-3428	480	18	)	)	PUNCT
fsr-3428	480	19	.	.	PUNCT
fsr-3428	481	1	consumer	consumer	NOUN
fsr-3428	481	2	misunderstanding	misunderstanding	NOUN
fsr-3428	481	3	of	of	ADP
fsr-3428	481	4	credit	credit	NOUN
fsr-3428	481	5	card	card	NOUN
fsr-3428	481	6	use	use	NOUN
fsr-3428	481	7	,	,	PUNCT
fsr-3428	481	8	payments	payment	NOUN
fsr-3428	481	9	,	,	PUNCT
fsr-3428	481	10	and	and	CCONJ
fsr-3428	481	11	debt	debt	NOUN
fsr-3428	481	12	:	:	PUNCT
fsr-3428	481	13	causes	cause	NOUN
fsr-3428	481	14	and	and	CCONJ
fsr-3428	481	15	solutions	solution	NOUN
fsr-3428	481	16	.	.	PUNCT
fsr-3428	482	1	journal	journal	NOUN
fsr-3428	482	2	of	of	ADP
fsr-3428	482	3	public	public	ADJ
fsr-3428	482	4	policy	policy	NOUN
fsr-3428	482	5	&	&	CCONJ
fsr-3428	482	6	marketing	marketing	NOUN
fsr-3428	482	7	,	,	PUNCT
fsr-3428	482	8	32	32	NUM
fsr-3428	482	9	,	,	PUNCT
fsr-3428	482	10	66	66	NUM
fsr-3428	482	11	-	-	SYM
fsr-3428	482	12	81	81	NUM
fsr-3428	482	13	.	.	PUNCT
fsr-3428	483	1	soman	soman	NOUN
fsr-3428	483	2	,	,	PUNCT
fsr-3428	483	3	d.	d.	PROPN
fsr-3428	483	4	(	(	PUNCT
fsr-3428	483	5	2003	2003	NUM
fsr-3428	483	6	)	)	PUNCT
fsr-3428	483	7	.	.	PUNCT
fsr-3428	484	1	the	the	DET
fsr-3428	484	2	effect	effect	NOUN
fsr-3428	484	3	of	of	ADP
fsr-3428	484	4	payment	payment	NOUN
fsr-3428	484	5	transparency	transparency	NOUN
fsr-3428	484	6	on	on	ADP
fsr-3428	484	7	consumption	consumption	NOUN
fsr-3428	484	8	:	:	PUNCT
fsr-3428	484	9	quasi	quasi	ADJ
fsr-3428	484	10	-	-	NOUN
fsr-3428	484	11	experiments	experiment	NOUN
fsr-3428	484	12	from	from	ADP
fsr-3428	484	13	the	the	DET
fsr-3428	484	14	field	field	NOUN
fsr-3428	484	15	.	.	PUNCT
fsr-3428	485	1	marketing	marketing	NOUN
fsr-3428	485	2	letters	letter	NOUN
fsr-3428	485	3	,	,	PUNCT
fsr-3428	485	4	14	14	NUM
fsr-3428	485	5	,	,	PUNCT
fsr-3428	485	6	173	173	NUM
fsr-3428	485	7	-	-	SYM
fsr-3428	485	8	183	183	NUM
fsr-3428	485	9	.	.	PUNCT
fsr-3428	486	1	n.	n.	PROPN
fsr-3428	486	2	macdonald	macdonald	PROPN
fsr-3428	486	3	,	,	PUNCT
fsr-3428	486	4	b.	b.	PROPN
fsr-3428	486	5	evans	evans	PROPN
fsr-3428	486	6	/	/	SYM
fsr-3428	486	7	financial	financial	ADJ
fsr-3428	486	8	services	service	NOUN
fsr-3428	486	9	review	review	VERB
fsr-3428	486	10	28	28	NUM
fsr-3428	486	11	(	(	PUNCT
fsr-3428	486	12	2020	2020	NUM
fsr-3428	486	13	)	)	PUNCT
fsr-3428	487	1	223–242	223–242	NUM
fsr-3428	487	2	241	241	NUM
fsr-3428	487	3	tsys	tsys	NOUN
fsr-3428	487	4	.	.	PUNCT
fsr-3428	488	1	(	(	PUNCT
fsr-3428	488	2	2018	2018	NUM
fsr-3428	488	3	)	)	PUNCT
fsr-3428	488	4	.	.	PUNCT
fsr-3428	489	1	consumer	consumer	NOUN
fsr-3428	489	2	payment	payment	NOUN
fsr-3428	489	3	study	study	NOUN
fsr-3428	489	4	.	.	PUNCT
fsr-3428	490	1	2018	2018	NUM
fsr-3428	490	2	tsys	tsys	VERB
fsr-3428	490	3	u.s	u.s	PROPN
fsr-3428	490	4	.	.	PROPN
fsr-3428	490	5	(	(	PUNCT
fsr-3428	490	6	available	available	ADJ
fsr-3428	490	7	at	at	ADP
fsr-3428	490	8	https://www.tsys.com/assets/tsys/	https://www.tsys.com/assets/tsys/	PROPN
fsr-3428	490	9	downloads	download	NOUN
fsr-3428	490	10	/	/	SYM
fsr-3428	490	11	rs_2018	rs_2018	NOUN
fsr-3428	490	12	-	-	PUNCT
fsr-3428	490	13	us	we	PRON
fsr-3428	490	14	-	-	PUNCT
fsr-3428	490	15	consumer	consumer	NOUN
fsr-3428	490	16	-	-	PUNCT
fsr-3428	490	17	payment	payment	NOUN
fsr-3428	490	18	-	-	PUNCT
fsr-3428	490	19	study.pdf	study.pdf	NOUN
fsr-3428	490	20	)	)	PUNCT
fsr-3428	490	21	.	.	PUNCT
fsr-3428	491	1	u.s	u.s	PROPN
fsr-3428	491	2	.	.	PROPN
fsr-3428	491	3	census	census	PROPN
fsr-3428	491	4	bureau	bureau	PROPN
fsr-3428	491	5	,	,	PUNCT
fsr-3428	491	6	total	total	ADJ
fsr-3428	491	7	households	household	NOUN
fsr-3428	491	8	.	.	PUNCT
fsr-3428	492	1	(	(	PUNCT
fsr-3428	492	2	2020	2020	NUM
fsr-3428	492	3	)	)	PUNCT
fsr-3428	492	4	.	.	PUNCT
fsr-3428	493	1	[	[	X
fsr-3428	493	2	ttlhh	ttlhh	X
fsr-3428	493	3	]	]	X
fsr-3428	493	4	,	,	PUNCT
fsr-3428	493	5	retrieved	retrieve	VERB
fsr-3428	493	6	from	from	ADP
fsr-3428	493	7	fred	fred	ADJ
fsr-3428	493	8	,	,	PUNCT
fsr-3428	493	9	federal	federal	PROPN
fsr-3428	493	10	reserve	reserve	PROPN
fsr-3428	493	11	bank	bank	PROPN
fsr-3428	493	12	of	of	ADP
fsr-3428	493	13	st	st	PROPN
fsr-3428	493	14	.	.	PROPN
fsr-3428	493	15	louis	louis	PROPN
fsr-3428	493	16	.	.	PUNCT
fsr-3428	494	1	(	(	PUNCT
fsr-3428	494	2	available	available	ADJ
fsr-3428	494	3	at	at	ADP
fsr-3428	494	4	https://fred.stlouisfed.org/series/ttlhh	https://fred.stlouisfed.org/series/ttlhh	PROPN
fsr-3428	494	5	)	)	PUNCT
fsr-3428	494	6	.	.	PUNCT
fsr-3428	495	1	visa	visa	NOUN
fsr-3428	495	2	.	.	PUNCT
fsr-3428	496	1	(	(	PUNCT
fsr-3428	496	2	2019	2019	NUM
fsr-3428	496	3	)	)	PUNCT
fsr-3428	496	4	.	.	PUNCT
fsr-3428	497	1	visa	visa	PROPN
fsr-3428	497	2	usa	usa	PROPN
fsr-3428	497	3	interchange	interchange	PROPN
fsr-3428	497	4	reimbursement	reimbursement	NOUN
fsr-3428	497	5	fees	fee	NOUN
fsr-3428	497	6	.	.	PUNCT
fsr-3428	498	1	(	(	PUNCT
fsr-3428	498	2	available	available	ADJ
fsr-3428	498	3	at	at	ADP
fsr-3428	498	4	https://usa.visa.com/dam/vcom/	https://usa.visa.com/dam/vcom/	PROPN
fsr-3428	498	5	download	download	NOUN
fsr-3428	498	6	/	/	SYM
fsr-3428	498	7	merchants	merchant	NOUN
fsr-3428	498	8	/	/	SYM
fsr-3428	498	9	visa	visa	NOUN
fsr-3428	498	10	-	-	PUNCT
fsr-3428	498	11	usa	usa	NOUN
fsr-3428	498	12	-	-	PUNCT
fsr-3428	498	13	interchange	interchange	NOUN
fsr-3428	498	14	-	-	PUNCT
fsr-3428	498	15	reimbursement	reimbursement	NOUN
fsr-3428	498	16	-	-	PUNCT
fsr-3428	498	17	fees.pdf	fees.pdf	NOUN
fsr-3428	498	18	)	)	PUNCT
fsr-3428	498	19	.	.	PUNCT
fsr-3428	499	1	wilcox	wilcox	PROPN
fsr-3428	499	2	,	,	PUNCT
fsr-3428	499	3	k.	k.	PROPN
fsr-3428	499	4	,	,	PUNCT
fsr-3428	499	5	block	block	NOUN
fsr-3428	499	6	,	,	PUNCT
fsr-3428	499	7	l.	l.	PROPN
fsr-3428	499	8	g.	g.	PROPN
fsr-3428	499	9	,	,	PUNCT
fsr-3428	499	10	&	&	CCONJ
fsr-3428	499	11	eisenstein	eisenstein	PROPN
fsr-3428	499	12	,	,	PUNCT
fsr-3428	499	13	e.	e.	PROPN
fsr-3428	499	14	m.	m.	PROPN
fsr-3428	499	15	(	(	PUNCT
fsr-3428	499	16	2011	2011	NUM
fsr-3428	499	17	)	)	PUNCT
fsr-3428	499	18	.	.	PUNCT
fsr-3428	500	1	leave	leave	VERB
fsr-3428	500	2	home	home	ADV
fsr-3428	500	3	without	without	ADP
fsr-3428	500	4	it	it	PRON
fsr-3428	500	5	?	?	PUNCT
fsr-3428	501	1	the	the	DET
fsr-3428	501	2	effects	effect	NOUN
fsr-3428	501	3	of	of	ADP
fsr-3428	501	4	credit	credit	NOUN
fsr-3428	501	5	card	card	NOUN
fsr-3428	501	6	debt	debt	NOUN
fsr-3428	501	7	and	and	CCONJ
fsr-3428	501	8	available	available	ADJ
fsr-3428	501	9	credit	credit	NOUN
fsr-3428	501	10	on	on	ADP
fsr-3428	501	11	spending	spending	NOUN
fsr-3428	501	12	.	.	PUNCT
fsr-3428	502	1	journal	journal	NOUN
fsr-3428	502	2	of	of	ADP
fsr-3428	502	3	marketing	marketing	NOUN
fsr-3428	502	4	research	research	NOUN
fsr-3428	502	5	,	,	PUNCT
fsr-3428	502	6	48	48	NUM
fsr-3428	502	7	,	,	PUNCT
fsr-3428	502	8	s78	s78	NOUN
fsr-3428	502	9	-	-	PUNCT
fsr-3428	502	10	s90	s90	NOUN
fsr-3428	502	11	.	.	PUNCT
fsr-3428	503	1	242	242	NUM
fsr-3428	503	2	n.	n.	PROPN
fsr-3428	503	3	macdonald	macdonald	PROPN
fsr-3428	503	4	,	,	PUNCT
fsr-3428	503	5	b.	b.	PROPN
fsr-3428	503	6	evans	evans	PROPN
fsr-3428	503	7	/	/	SYM
fsr-3428	503	8	financial	financial	ADJ
fsr-3428	503	9	services	service	NOUN
fsr-3428	503	10	review	review	VERB
fsr-3428	503	11	28	28	NUM
fsr-3428	503	12	(	(	PUNCT
fsr-3428	503	13	2020	2020	NUM
fsr-3428	503	14	)	)	PUNCT
fsr-3428	503	15	223–242	223–242	NUM