id	sid	tid	token	lemma	pos
fsr-3429	1	1	develop	develop	VERB
fsr-3429	1	2	a	a	DET
fsr-3429	1	3	retirement	retirement	NOUN
fsr-3429	1	4	plan	plan	NOUN
fsr-3429	1	5	and	and	CCONJ
fsr-3429	1	6	stick	stick	VERB
fsr-3429	1	7	to	to	ADP
fsr-3429	1	8	it	it	PRON
fsr-3429	1	9	:	:	PUNCT
fsr-3429	1	10	it	it	PRON
fsr-3429	1	11	will	will	AUX
fsr-3429	1	12	improve	improve	VERB
fsr-3429	1	13	both	both	DET
fsr-3429	1	14	your	your	PRON
fsr-3429	1	15	attitude	attitude	NOUN
fsr-3429	1	16	and	and	CCONJ
fsr-3429	1	17	behavior	behavior	NOUN
fsr-3429	1	18	with	with	ADP
fsr-3429	1	19	money	money	NOUN
fsr-3429	1	20	gizelle	gizelle	NOUN
fsr-3429	1	21	d.	d.	PROPN
fsr-3429	1	22	willowsa	willowsa	PROPN
fsr-3429	1	23	,	,	PUNCT
fsr-3429	1	24	*	*	PUNCT
fsr-3429	1	25	acollege	acollege	NOUN
fsr-3429	1	26	of	of	ADP
fsr-3429	1	27	accounting	accounting	NOUN
fsr-3429	1	28	,	,	PUNCT
fsr-3429	1	29	university	university	PROPN
fsr-3429	1	30	of	of	ADP
fsr-3429	1	31	cape	cape	NOUN
fsr-3429	1	32	town	town	NOUN
fsr-3429	1	33	,	,	PUNCT
fsr-3429	1	34	rondebosch	rondebosch	PROPN
fsr-3429	1	35	,	,	PUNCT
fsr-3429	1	36	7001	7001	NUM
fsr-3429	1	37	,	,	PUNCT
fsr-3429	1	38	south	south	PROPN
fsr-3429	1	39	africa	africa	PROPN
fsr-3429	1	40	abstract	abstract	ADJ
fsr-3429	1	41	this	this	DET
fsr-3429	1	42	study	study	NOUN
fsr-3429	1	43	explores	explore	VERB
fsr-3429	1	44	the	the	DET
fsr-3429	1	45	relationship	relationship	NOUN
fsr-3429	1	46	between	between	ADP
fsr-3429	1	47	financial	financial	ADJ
fsr-3429	1	48	literacy	literacy	NOUN
fsr-3429	1	49	,	,	PUNCT
fsr-3429	1	50	behavior	behavior	NOUN
fsr-3429	1	51	and	and	CCONJ
fsr-3429	1	52	attitude	attitude	NOUN
fsr-3429	1	53	,	,	PUNCT
fsr-3429	1	54	and	and	CCONJ
fsr-3429	1	55	retirement	retirement	NOUN
fsr-3429	1	56	savings	saving	NOUN
fsr-3429	1	57	decisions	decision	NOUN
fsr-3429	1	58	.	.	PUNCT
fsr-3429	2	1	members	member	NOUN
fsr-3429	2	2	of	of	ADP
fsr-3429	2	3	a	a	DET
fsr-3429	2	4	south	south	ADJ
fsr-3429	2	5	african	african	ADJ
fsr-3429	2	6	tertiary	tertiary	ADJ
fsr-3429	2	7	institution	institution	NOUN
fsr-3429	2	8	’s	’s	PART
fsr-3429	2	9	retirement	retirement	PROPN
fsr-3429	2	10	fund	fund	NOUN
fsr-3429	2	11	were	be	AUX
fsr-3429	2	12	surveyed	survey	VERB
fsr-3429	2	13	and	and	CCONJ
fsr-3429	2	14	multistage	multistage	NOUN
fsr-3429	2	15	multivariate	multivariate	NOUN
fsr-3429	2	16	regression	regression	NOUN
fsr-3429	2	17	and	and	CCONJ
fsr-3429	2	18	mediation	mediation	NOUN
fsr-3429	2	19	analyses	analysis	NOUN
fsr-3429	2	20	showed	show	VERB
fsr-3429	2	21	that	that	SCONJ
fsr-3429	2	22	developing	develop	VERB
fsr-3429	2	23	and	and	CCONJ
fsr-3429	2	24	conforming	conform	VERB
fsr-3429	2	25	to	to	ADP
fsr-3429	2	26	a	a	DET
fsr-3429	2	27	retirement	retirement	NOUN
fsr-3429	2	28	plan	plan	NOUN
fsr-3429	2	29	positively	positively	ADV
fsr-3429	2	30	influenced	influence	VERB
fsr-3429	2	31	financial	financial	ADJ
fsr-3429	2	32	attitude	attitude	NOUN
fsr-3429	2	33	and	and	CCONJ
fsr-3429	2	34	behavior	behavior	NOUN
fsr-3429	2	35	.	.	PUNCT
fsr-3429	3	1	this	this	PRON
fsr-3429	3	2	indicates	indicate	VERB
fsr-3429	3	3	that	that	SCONJ
fsr-3429	3	4	interventions	intervention	NOUN
fsr-3429	3	5	should	should	AUX
fsr-3429	3	6	focus	focus	VERB
fsr-3429	3	7	on	on	ADP
fsr-3429	3	8	the	the	DET
fsr-3429	3	9	specific	specific	ADJ
fsr-3429	3	10	behaviors	behavior	NOUN
fsr-3429	3	11	which	which	PRON
fsr-3429	3	12	drive	drive	VERB
fsr-3429	3	13	retirement	retirement	NOUN
fsr-3429	3	14	planning	planning	NOUN
fsr-3429	3	15	,	,	PUNCT
fsr-3429	3	16	rather	rather	ADV
fsr-3429	3	17	than	than	ADP
fsr-3429	3	18	financial	financial	ADJ
fsr-3429	3	19	literacy	literacy	NOUN
fsr-3429	3	20	in	in	ADP
fsr-3429	3	21	isolation	isolation	NOUN
fsr-3429	3	22	.	.	PUNCT
fsr-3429	4	1	use	use	NOUN
fsr-3429	4	2	of	of	ADP
fsr-3429	4	3	formal	formal	ADJ
fsr-3429	4	4	tools	tool	NOUN
fsr-3429	4	5	such	such	ADJ
fsr-3429	4	6	as	as	ADP
fsr-3429	4	7	consulting	consult	VERB
fsr-3429	4	8	with	with	ADP
fsr-3429	4	9	a	a	DET
fsr-3429	4	10	financial	financial	ADJ
fsr-3429	4	11	planner	planner	NOUN
fsr-3429	4	12	also	also	ADV
fsr-3429	4	13	increases	increase	VERB
fsr-3429	4	14	the	the	DET
fsr-3429	4	15	relative	relative	ADJ
fsr-3429	4	16	risk	risk	NOUN
fsr-3429	4	17	of	of	ADP
fsr-3429	4	18	successful	successful	ADJ
fsr-3429	4	19	retirement	retirement	NOUN
fsr-3429	4	20	planning	planning	NOUN
fsr-3429	4	21	.	.	PUNCT
fsr-3429	5	1	this	this	PRON
fsr-3429	5	2	presents	present	VERB
fsr-3429	5	3	a	a	DET
fsr-3429	5	4	tangible	tangible	ADJ
fsr-3429	5	5	and	and	CCONJ
fsr-3429	5	6	linear	linear	ADJ
fsr-3429	5	7	approach	approach	NOUN
fsr-3429	5	8	towards	towards	ADP
fsr-3429	5	9	improved	improve	VERB
fsr-3429	5	10	financial	financial	ADJ
fsr-3429	5	11	behavior	behavior	NOUN
fsr-3429	5	12	.	.	PUNCT
fsr-3429	6	1	©	©	PROPN
fsr-3429	6	2	2020	2020	NUM
fsr-3429	6	3	academy	academy	NOUN
fsr-3429	6	4	of	of	ADP
fsr-3429	6	5	financial	financial	ADJ
fsr-3429	6	6	services	service	NOUN
fsr-3429	6	7	.	.	PUNCT
fsr-3429	7	1	all	all	DET
fsr-3429	7	2	rights	right	NOUN
fsr-3429	7	3	reserved	reserve	VERB
fsr-3429	7	4	.	.	PUNCT
fsr-3429	8	1	jel	jel	PROPN
fsr-3429	8	2	classifications	classification	NOUN
fsr-3429	8	3	:	:	PUNCT
fsr-3429	8	4	c4	c4	NOUN
fsr-3429	8	5	;	;	PUNCT
fsr-3429	8	6	d9	d9	PROPN
fsr-3429	8	7	;	;	PUNCT
fsr-3429	8	8	e2	e2	NOUN
fsr-3429	8	9	;	;	PUNCT
fsr-3429	8	10	g4	g4	NOUN
fsr-3429	8	11	keywords	keyword	NOUN
fsr-3429	8	12	:	:	PUNCT
fsr-3429	8	13	financial	financial	ADJ
fsr-3429	8	14	literacy	literacy	NOUN
fsr-3429	8	15	;	;	PUNCT
fsr-3429	8	16	financial	financial	ADJ
fsr-3429	8	17	behavior	behavior	NOUN
fsr-3429	8	18	;	;	PUNCT
fsr-3429	8	19	financial	financial	ADJ
fsr-3429	8	20	attitude	attitude	NOUN
fsr-3429	8	21	;	;	PUNCT
fsr-3429	8	22	planner	planner	NOUN
fsr-3429	8	23	;	;	PUNCT
fsr-3429	8	24	retirement	retirement	NOUN
fsr-3429	8	25	savings	saving	NOUN
fsr-3429	8	26	1	1	NUM
fsr-3429	8	27	.	.	PUNCT
fsr-3429	9	1	introduction	introduction	NOUN
fsr-3429	9	2	many	many	ADJ
fsr-3429	9	3	investors	investor	NOUN
fsr-3429	9	4	lack	lack	VERB
fsr-3429	9	5	a	a	DET
fsr-3429	9	6	basic	basic	ADJ
fsr-3429	9	7	understanding	understanding	NOUN
fsr-3429	9	8	of	of	ADP
fsr-3429	9	9	financial	financial	ADJ
fsr-3429	9	10	concepts	concept	NOUN
fsr-3429	9	11	and	and	CCONJ
fsr-3429	9	12	a	a	DET
fsr-3429	9	13	sizeable	sizeable	ADJ
fsr-3429	9	14	proportion	proportion	NOUN
fsr-3429	9	15	of	of	ADP
fsr-3429	9	16	the	the	DET
fsr-3429	9	17	population	population	NOUN
fsr-3429	9	18	in	in	ADP
fsr-3429	9	19	a	a	DET
fsr-3429	9	20	number	number	NOUN
fsr-3429	9	21	of	of	ADP
fsr-3429	9	22	countries	country	NOUN
fsr-3429	9	23	lack	lack	VERB
fsr-3429	9	24	financial	financial	ADJ
fsr-3429	9	25	literacy	literacy	NOUN
fsr-3429	9	26	(	(	PUNCT
fsr-3429	9	27	atkinson	atkinson	PROPN
fsr-3429	9	28	&	&	CCONJ
fsr-3429	9	29	messy	messy	PROPN
fsr-3429	9	30	,	,	PUNCT
fsr-3429	9	31	2012	2012	NUM
fsr-3429	9	32	)	)	PUNCT
fsr-3429	9	33	.	.	PUNCT
fsr-3429	10	1	an	an	DET
fsr-3429	10	2	awareness	awareness	NOUN
fsr-3429	10	3	of	of	ADP
fsr-3429	10	4	this	this	PRON
fsr-3429	10	5	creates	create	VERB
fsr-3429	10	6	the	the	DET
fsr-3429	10	7	need	need	NOUN
fsr-3429	10	8	to	to	PART
fsr-3429	10	9	understand	understand	VERB
fsr-3429	10	10	the	the	DET
fsr-3429	10	11	potentially	potentially	ADV
fsr-3429	10	12	deleterious	deleterious	ADJ
fsr-3429	10	13	effects	effect	NOUN
fsr-3429	10	14	of	of	ADP
fsr-3429	10	15	this	this	DET
fsr-3429	10	16	lack	lack	NOUN
fsr-3429	10	17	of	of	ADP
fsr-3429	10	18	financial	financial	ADJ
fsr-3429	10	19	literacy	literacy	NOUN
fsr-3429	10	20	on	on	ADP
fsr-3429	10	21	an	an	DET
fsr-3429	10	22	individual	individual	NOUN
fsr-3429	10	23	’s	’s	PART
fsr-3429	10	24	financial	financial	ADJ
fsr-3429	10	25	wealth	wealth	NOUN
fsr-3429	10	26	.	.	PUNCT
fsr-3429	11	1	this	this	DET
fsr-3429	11	2	study	study	NOUN
fsr-3429	11	3	focuses	focus	VERB
fsr-3429	11	4	on	on	ADP
fsr-3429	11	5	retirement	retirement	NOUN
fsr-3429	11	6	savings	saving	NOUN
fsr-3429	11	7	as	as	ADP
fsr-3429	11	8	one	one	NUM
fsr-3429	11	9	aspect	aspect	NOUN
fsr-3429	11	10	of	of	ADP
fsr-3429	11	11	financial	financial	ADJ
fsr-3429	11	12	wealth	wealth	NOUN
fsr-3429	11	13	,	,	PUNCT
fsr-3429	11	14	with	with	ADP
fsr-3429	11	15	specific	specific	ADJ
fsr-3429	11	16	focus	focus	NOUN
fsr-3429	11	17	on	on	ADP
fsr-3429	11	18	the	the	DET
fsr-3429	11	19	attitude	attitude	NOUN
fsr-3429	11	20	,	,	PUNCT
fsr-3429	11	21	behavior	behavior	NOUN
fsr-3429	11	22	,	,	PUNCT
fsr-3429	11	23	and	and	CCONJ
fsr-3429	11	24	retirement	retirement	NOUN
fsr-3429	11	25	savings	saving	NOUN
fsr-3429	11	26	decisions	decision	NOUN
fsr-3429	11	27	that	that	PRON
fsr-3429	11	28	are	be	AUX
fsr-3429	11	29	made	make	VERB
fsr-3429	11	30	by	by	ADP
fsr-3429	11	31	individuals	individual	NOUN
fsr-3429	11	32	.	.	PUNCT
fsr-3429	12	1	thus	thus	ADV
fsr-3429	12	2	,	,	PUNCT
fsr-3429	12	3	this	this	DET
fsr-3429	12	4	study	study	NOUN
fsr-3429	12	5	aims	aim	VERB
fsr-3429	12	6	to	to	ADP
fsr-3429	12	7	*	*	PUNCT
fsr-3429	12	8	corresponding	correspond	VERB
fsr-3429	12	9	author	author	NOUN
fsr-3429	12	10	.	.	PUNCT
fsr-3429	13	1	tel	tel	PROPN
fsr-3429	13	2	.	.	PROPN
fsr-3429	13	3	:	:	PUNCT
fsr-3429	14	1	+2721	+2721	NUM
fsr-3429	15	1	650	650	NUM
fsr-3429	15	2	2292	2292	NUM
fsr-3429	15	3	e	e	NOUN
fsr-3429	15	4	-	-	NOUN
fsr-3429	15	5	mail	mail	NOUN
fsr-3429	15	6	address	address	NOUN
fsr-3429	15	7	:	:	PUNCT
fsr-3429	15	8	gizelle.willows@uct.ac.za	gizelle.willows@uct.ac.za	NOUN
fsr-3429	15	9	1057	1057	NUM
fsr-3429	15	10	-	-	SYM
fsr-3429	15	11	0810/20/$	0810/20/$	NUM
fsr-3429	15	12	–	–	PUNCT
fsr-3429	15	13	see	see	VERB
fsr-3429	15	14	front	front	ADJ
fsr-3429	15	15	matter	matter	NOUN
fsr-3429	15	16	©	©	PROPN
fsr-3429	15	17	2020	2020	NUM
fsr-3429	15	18	academy	academy	NOUN
fsr-3429	15	19	of	of	ADP
fsr-3429	15	20	financial	financial	ADJ
fsr-3429	15	21	services	service	NOUN
fsr-3429	15	22	.	.	PUNCT
fsr-3429	16	1	all	all	DET
fsr-3429	16	2	rights	right	NOUN
fsr-3429	16	3	reserved	reserve	VERB
fsr-3429	16	4	.	.	PUNCT
fsr-3429	17	1	financial	financial	ADJ
fsr-3429	17	2	services	service	NOUN
fsr-3429	17	3	review	review	VERB
fsr-3429	17	4	28	28	NUM
fsr-3429	17	5	(	(	PUNCT
fsr-3429	17	6	2020	2020	NUM
fsr-3429	17	7	)	)	PUNCT
fsr-3429	17	8	243–271	243–271	NUM
fsr-3429	17	9	assess	assess	VERB
fsr-3429	17	10	more	more	ADJ
fsr-3429	17	11	than	than	ADP
fsr-3429	17	12	just	just	ADV
fsr-3429	17	13	financial	financial	ADJ
fsr-3429	17	14	literacy	literacy	NOUN
fsr-3429	17	15	,	,	PUNCT
fsr-3429	17	16	but	but	CCONJ
fsr-3429	17	17	also	also	ADV
fsr-3429	17	18	the	the	DET
fsr-3429	17	19	impact	impact	NOUN
fsr-3429	17	20	of	of	ADP
fsr-3429	17	21	several	several	ADJ
fsr-3429	17	22	variables	variable	NOUN
fsr-3429	17	23	on	on	ADP
fsr-3429	17	24	financial	financial	ADJ
fsr-3429	17	25	attitude	attitude	NOUN
fsr-3429	17	26	and	and	CCONJ
fsr-3429	17	27	financial	financial	ADJ
fsr-3429	17	28	behavior	behavior	NOUN
fsr-3429	17	29	.	.	PUNCT
fsr-3429	18	1	the	the	DET
fsr-3429	18	2	social	social	ADJ
fsr-3429	18	3	and	and	CCONJ
fsr-3429	18	4	broader	broad	ADJ
fsr-3429	18	5	macroeconomic	macroeconomic	ADJ
fsr-3429	18	6	context	context	NOUN
fsr-3429	18	7	within	within	ADP
fsr-3429	18	8	south	south	PROPN
fsr-3429	18	9	africa	africa	PROPN
fsr-3429	18	10	is	be	AUX
fsr-3429	18	11	such	such	ADJ
fsr-3429	18	12	that	that	SCONJ
fsr-3429	18	13	consumers	consumer	NOUN
fsr-3429	18	14	are	be	AUX
fsr-3429	18	15	unable	unable	ADJ
fsr-3429	18	16	to	to	PART
fsr-3429	18	17	only	only	ADV
fsr-3429	18	18	rely	rely	VERB
fsr-3429	18	19	on	on	ADP
fsr-3429	18	20	the	the	DET
fsr-3429	18	21	state	state	NOUN
fsr-3429	18	22	and/or	and/or	CCONJ
fsr-3429	18	23	their	their	PRON
fsr-3429	18	24	employer	employer	NOUN
fsr-3429	18	25	for	for	ADP
fsr-3429	18	26	financial	financial	ADJ
fsr-3429	18	27	security	security	NOUN
fsr-3429	18	28	in	in	ADP
fsr-3429	18	29	retirement	retirement	NOUN
fsr-3429	18	30	.	.	PUNCT
fsr-3429	19	1	the	the	DET
fsr-3429	19	2	national	national	PROPN
fsr-3429	19	3	treasury	treasury	PROPN
fsr-3429	19	4	(	(	PUNCT
fsr-3429	19	5	2014	2014	NUM
fsr-3429	19	6	)	)	PUNCT
fsr-3429	19	7	has	have	AUX
fsr-3429	19	8	stated	state	VERB
fsr-3429	19	9	that	that	SCONJ
fsr-3429	19	10	only	only	ADV
fsr-3429	19	11	an	an	DET
fsr-3429	19	12	estimated	estimate	VERB
fsr-3429	19	13	six	six	NUM
fsr-3429	19	14	percentage	percentage	NOUN
fsr-3429	19	15	of	of	ADP
fsr-3429	19	16	south	south	PROPN
fsr-3429	19	17	africans	africans	PROPN
fsr-3429	19	18	will	will	AUX
fsr-3429	19	19	be	be	AUX
fsr-3429	19	20	able	able	ADJ
fsr-3429	19	21	to	to	PART
fsr-3429	19	22	replace	replace	VERB
fsr-3429	19	23	their	their	PRON
fsr-3429	19	24	full	full	ADJ
fsr-3429	19	25	income	income	NOUN
fsr-3429	19	26	at	at	ADP
fsr-3429	19	27	retirement	retirement	NOUN
fsr-3429	19	28	and	and	CCONJ
fsr-3429	19	29	maintain	maintain	VERB
fsr-3429	19	30	their	their	PRON
fsr-3429	19	31	lifestyle	lifestyle	NOUN
fsr-3429	19	32	.	.	PUNCT
fsr-3429	20	1	the	the	DET
fsr-3429	20	2	situation	situation	NOUN
fsr-3429	20	3	south	south	PROPN
fsr-3429	20	4	africa	africa	PROPN
fsr-3429	20	5	finds	find	VERB
fsr-3429	20	6	itself	itself	PRON
fsr-3429	20	7	in	in	ADP
fsr-3429	20	8	is	be	AUX
fsr-3429	20	9	not	not	PART
fsr-3429	20	10	too	too	ADV
fsr-3429	20	11	dissimilar	dissimilar	ADJ
fsr-3429	20	12	to	to	ADP
fsr-3429	20	13	other	other	ADJ
fsr-3429	20	14	countries	country	NOUN
fsr-3429	20	15	.	.	PUNCT
fsr-3429	21	1	in	in	ADP
fsr-3429	21	2	the	the	DET
fsr-3429	21	3	united	united	PROPN
fsr-3429	21	4	states	states	PROPN
fsr-3429	21	5	,	,	PUNCT
fsr-3429	21	6	a	a	DET
fsr-3429	21	7	shift	shift	NOUN
fsr-3429	21	8	from	from	ADP
fsr-3429	21	9	a	a	DET
fsr-3429	21	10	few	few	ADJ
fsr-3429	21	11	decades	decade	NOUN
fsr-3429	21	12	ago	ago	ADV
fsr-3429	21	13	shows	show	VERB
fsr-3429	21	14	americans	americans	PROPN
fsr-3429	21	15	needing	need	VERB
fsr-3429	21	16	to	to	PART
fsr-3429	21	17	rely	rely	VERB
fsr-3429	21	18	on	on	ADP
fsr-3429	21	19	401(k)type	401(k)type	NUM
fsr-3429	21	20	accounts	account	NOUN
fsr-3429	21	21	to	to	PART
fsr-3429	21	22	supplement	supplement	VERB
fsr-3429	21	23	social	social	ADJ
fsr-3429	21	24	security	security	NOUN
fsr-3429	21	25	in	in	ADP
fsr-3429	21	26	retirement	retirement	NOUN
fsr-3429	21	27	(	(	PUNCT
fsr-3429	21	28	morrissey	morrissey	PROPN
fsr-3429	21	29	,	,	PUNCT
fsr-3429	21	30	2016	2016	NUM
fsr-3429	21	31	)	)	PUNCT
fsr-3429	21	32	.	.	PUNCT
fsr-3429	22	1	additionally	additionally	ADV
fsr-3429	22	2	,	,	PUNCT
fsr-3429	22	3	this	this	DET
fsr-3429	22	4	retirement	retirement	NOUN
fsr-3429	22	5	wealth	wealth	NOUN
fsr-3429	22	6	has	have	AUX
fsr-3429	22	7	been	be	AUX
fsr-3429	22	8	unable	unable	ADJ
fsr-3429	22	9	to	to	PART
fsr-3429	22	10	grow	grow	VERB
fsr-3429	22	11	at	at	ADP
fsr-3429	22	12	the	the	DET
fsr-3429	22	13	same	same	ADJ
fsr-3429	22	14	pace	pace	NOUN
fsr-3429	22	15	that	that	PRON
fsr-3429	22	16	the	the	DET
fsr-3429	22	17	aging	age	VERB
fsr-3429	22	18	population	population	NOUN
fsr-3429	22	19	has	have	VERB
fsr-3429	22	20	.	.	PUNCT
fsr-3429	23	1	in	in	ADP
fsr-3429	23	2	canada	canada	PROPN
fsr-3429	23	3	,	,	PUNCT
fsr-3429	23	4	the	the	DET
fsr-3429	23	5	threat	threat	NOUN
fsr-3429	23	6	of	of	ADP
fsr-3429	23	7	widening	widen	VERB
fsr-3429	23	8	intergenerational	intergenerational	ADJ
fsr-3429	23	9	inequality	inequality	NOUN
fsr-3429	23	10	exists	exist	VERB
fsr-3429	23	11	(	(	PUNCT
fsr-3429	23	12	mckenna	mckenna	NOUN
fsr-3429	23	13	,	,	PUNCT
fsr-3429	23	14	2015	2015	NUM
fsr-3429	23	15	)	)	PUNCT
fsr-3429	23	16	.	.	PUNCT
fsr-3429	24	1	almost	almost	ADV
fsr-3429	24	2	half	half	NOUN
fsr-3429	24	3	of	of	ADP
fsr-3429	24	4	canadian	canadian	ADJ
fsr-3429	24	5	families	family	NOUN
fsr-3429	24	6	nearing	near	VERB
fsr-3429	24	7	retirement	retirement	NOUN
fsr-3429	24	8	have	have	VERB
fsr-3429	24	9	no	no	DET
fsr-3429	24	10	accrued	accrue	VERB
fsr-3429	24	11	employer	employer	NOUN
fsr-3429	24	12	pension	pension	NOUN
fsr-3429	24	13	benefits	benefit	NOUN
fsr-3429	24	14	(	(	PUNCT
fsr-3429	24	15	shillington	shillington	PROPN
fsr-3429	24	16	,	,	PUNCT
fsr-3429	24	17	2016	2016	NUM
fsr-3429	24	18	)	)	PUNCT
fsr-3429	24	19	.	.	PUNCT
fsr-3429	25	1	the	the	DET
fsr-3429	25	2	cost	cost	NOUN
fsr-3429	25	3	of	of	ADP
fsr-3429	25	4	health	health	NOUN
fsr-3429	25	5	care	care	NOUN
fsr-3429	25	6	and	and	CCONJ
fsr-3429	25	7	old	old	ADJ
fsr-3429	25	8	age	age	NOUN
fsr-3429	25	9	security	security	NOUN
fsr-3429	25	10	,	,	PUNCT
fsr-3429	25	11	which	which	PRON
fsr-3429	25	12	is	be	AUX
fsr-3429	25	13	paid	pay	VERB
fsr-3429	25	14	out	out	ADP
fsr-3429	25	15	of	of	ADP
fsr-3429	25	16	current	current	ADJ
fsr-3429	25	17	revenues	revenue	NOUN
fsr-3429	25	18	,	,	PUNCT
fsr-3429	25	19	is	be	AUX
fsr-3429	25	20	rising	rise	VERB
fsr-3429	25	21	at	at	ADP
fsr-3429	25	22	a	a	DET
fsr-3429	25	23	faster	fast	ADJ
fsr-3429	25	24	rate	rate	NOUN
fsr-3429	25	25	than	than	ADP
fsr-3429	25	26	the	the	DET
fsr-3429	25	27	tax	tax	NOUN
fsr-3429	25	28	base	base	NOUN
fsr-3429	25	29	.	.	PUNCT
fsr-3429	26	1	this	this	DET
fsr-3429	26	2	study	study	NOUN
fsr-3429	26	3	is	be	AUX
fsr-3429	26	4	important	important	ADJ
fsr-3429	26	5	because	because	SCONJ
fsr-3429	26	6	it	it	PRON
fsr-3429	26	7	goes	go	VERB
fsr-3429	26	8	beyond	beyond	ADP
fsr-3429	26	9	the	the	DET
fsr-3429	26	10	measurement	measurement	NOUN
fsr-3429	26	11	of	of	ADP
fsr-3429	26	12	financial	financial	ADJ
fsr-3429	26	13	literacy	literacy	NOUN
fsr-3429	26	14	and	and	CCONJ
fsr-3429	26	15	assesses	assess	VERB
fsr-3429	26	16	the	the	DET
fsr-3429	26	17	connections	connection	NOUN
fsr-3429	26	18	with	with	ADP
fsr-3429	26	19	retirement	retirement	NOUN
fsr-3429	26	20	savings	saving	NOUN
fsr-3429	26	21	decisions	decision	NOUN
fsr-3429	26	22	and	and	CCONJ
fsr-3429	26	23	behaviors	behavior	NOUN
fsr-3429	26	24	.	.	PUNCT
fsr-3429	27	1	it	it	PRON
fsr-3429	27	2	does	do	VERB
fsr-3429	27	3	this	this	PRON
fsr-3429	27	4	by	by	ADP
fsr-3429	27	5	assessing	assess	VERB
fsr-3429	27	6	not	not	PART
fsr-3429	27	7	just	just	ADV
fsr-3429	27	8	the	the	DET
fsr-3429	27	9	impact	impact	NOUN
fsr-3429	27	10	of	of	ADP
fsr-3429	27	11	financial	financial	ADJ
fsr-3429	27	12	literacy	literacy	NOUN
fsr-3429	27	13	on	on	ADP
fsr-3429	27	14	thinking	thinking	NOUN
fsr-3429	27	15	and	and	CCONJ
fsr-3429	27	16	planning	planning	NOUN
fsr-3429	27	17	for	for	ADP
fsr-3429	27	18	retirement	retirement	NOUN
fsr-3429	27	19	,	,	PUNCT
fsr-3429	27	20	but	but	CCONJ
fsr-3429	27	21	also	also	ADV
fsr-3429	27	22	the	the	DET
fsr-3429	27	23	interconnectedness	interconnectedness	NOUN
fsr-3429	27	24	between	between	ADP
fsr-3429	27	25	financial	financial	ADJ
fsr-3429	27	26	literacy	literacy	NOUN
fsr-3429	27	27	,	,	PUNCT
fsr-3429	27	28	financial	financial	ADJ
fsr-3429	27	29	attitude	attitude	NOUN
fsr-3429	27	30	,	,	PUNCT
fsr-3429	27	31	planning	plan	VERB
fsr-3429	27	32	for	for	ADP
fsr-3429	27	33	retirement	retirement	NOUN
fsr-3429	27	34	and	and	CCONJ
fsr-3429	27	35	financial	financial	ADJ
fsr-3429	27	36	behavior	behavior	NOUN
fsr-3429	27	37	.	.	PUNCT
fsr-3429	28	1	focusing	focus	VERB
fsr-3429	28	2	on	on	ADP
fsr-3429	28	3	south	south	PROPN
fsr-3429	28	4	africa	africa	PROPN
fsr-3429	28	5	,	,	PUNCT
fsr-3429	28	6	which	which	PRON
fsr-3429	28	7	is	be	AUX
fsr-3429	28	8	rich	rich	ADJ
fsr-3429	28	9	in	in	ADP
fsr-3429	28	10	diversity	diversity	NOUN
fsr-3429	28	11	with	with	ADP
fsr-3429	28	12	large	large	ADJ
fsr-3429	28	13	inequality	inequality	NOUN
fsr-3429	28	14	and	and	CCONJ
fsr-3429	28	15	unemployment	unemployment	NOUN
fsr-3429	28	16	rates	rate	NOUN
fsr-3429	28	17	(	(	PUNCT
fsr-3429	28	18	statistics	statistics	PROPN
fsr-3429	28	19	south	south	PROPN
fsr-3429	28	20	africa	africa	PROPN
fsr-3429	28	21	,	,	PUNCT
fsr-3429	28	22	2018	2018	NUM
fsr-3429	28	23	;	;	PUNCT
fsr-3429	28	24	taylor	taylor	PROPN
fsr-3429	28	25	,	,	PUNCT
fsr-3429	28	26	2002	2002	NUM
fsr-3429	28	27	)	)	PUNCT
fsr-3429	28	28	,	,	PUNCT
fsr-3429	28	29	also	also	ADV
fsr-3429	28	30	provides	provide	VERB
fsr-3429	28	31	a	a	DET
fsr-3429	28	32	unique	unique	ADJ
fsr-3429	28	33	perspective	perspective	NOUN
fsr-3429	28	34	on	on	ADP
fsr-3429	28	35	a	a	DET
fsr-3429	28	36	community	community	NOUN
fsr-3429	28	37	not	not	PART
fsr-3429	28	38	too	too	ADV
fsr-3429	28	39	dissimilar	dissimilar	ADJ
fsr-3429	28	40	to	to	ADP
fsr-3429	28	41	comparable	comparable	ADJ
fsr-3429	28	42	developing	develop	VERB
fsr-3429	28	43	economies	economy	NOUN
fsr-3429	28	44	across	across	ADP
fsr-3429	28	45	the	the	DET
fsr-3429	28	46	world	world	NOUN
fsr-3429	28	47	.	.	PUNCT
fsr-3429	29	1	the	the	DET
fsr-3429	29	2	research	research	NOUN
fsr-3429	29	3	approach	approach	NOUN
fsr-3429	29	4	includes	include	VERB
fsr-3429	29	5	multivariate	multivariate	NOUN
fsr-3429	29	6	regression	regression	NOUN
fsr-3429	29	7	and	and	CCONJ
fsr-3429	29	8	mediation	mediation	NOUN
fsr-3429	29	9	analysis	analysis	NOUN
fsr-3429	29	10	on	on	ADP
fsr-3429	29	11	data	datum	NOUN
fsr-3429	29	12	obtained	obtain	VERB
fsr-3429	29	13	from	from	ADP
fsr-3429	29	14	surveying	survey	VERB
fsr-3429	29	15	members	member	NOUN
fsr-3429	29	16	of	of	ADP
fsr-3429	29	17	a	a	DET
fsr-3429	29	18	south	south	ADJ
fsr-3429	29	19	african	african	ADJ
fsr-3429	29	20	tertiary	tertiary	ADJ
fsr-3429	29	21	institution	institution	NOUN
fsr-3429	29	22	’s	’s	PART
fsr-3429	29	23	retirement	retirement	PROPN
fsr-3429	29	24	fund	fund	PROPN
fsr-3429	29	25	.	.	PUNCT
fsr-3429	30	1	socioeconomic	socioeconomic	ADJ
fsr-3429	30	2	information	information	NOUN
fsr-3429	30	3	for	for	ADP
fsr-3429	30	4	each	each	DET
fsr-3429	30	5	respondent	respondent	NOUN
fsr-3429	30	6	was	be	AUX
fsr-3429	30	7	obtained	obtain	VERB
fsr-3429	30	8	directly	directly	ADV
fsr-3429	30	9	from	from	ADP
fsr-3429	30	10	the	the	DET
fsr-3429	30	11	retirement	retirement	NOUN
fsr-3429	30	12	fund	fund	NOUN
fsr-3429	30	13	,	,	PUNCT
fsr-3429	30	14	allowing	allow	VERB
fsr-3429	30	15	for	for	ADP
fsr-3429	30	16	the	the	DET
fsr-3429	30	17	necessary	necessary	ADJ
fsr-3429	30	18	objective	objective	ADJ
fsr-3429	30	19	controls	control	NOUN
fsr-3429	30	20	when	when	SCONJ
fsr-3429	30	21	assessing	assess	VERB
fsr-3429	30	22	the	the	DET
fsr-3429	30	23	proposed	propose	VERB
fsr-3429	30	24	relationships	relationship	NOUN
fsr-3429	30	25	.	.	PUNCT
fsr-3429	31	1	the	the	DET
fsr-3429	31	2	results	result	NOUN
fsr-3429	31	3	show	show	VERB
fsr-3429	31	4	that	that	SCONJ
fsr-3429	31	5	it	it	PRON
fsr-3429	31	6	is	be	AUX
fsr-3429	31	7	not	not	PART
fsr-3429	31	8	financial	financial	ADJ
fsr-3429	31	9	literacy	literacy	NOUN
fsr-3429	31	10	that	that	PRON
fsr-3429	31	11	is	be	AUX
fsr-3429	31	12	positively	positively	ADV
fsr-3429	31	13	related	relate	VERB
fsr-3429	31	14	to	to	ADP
fsr-3429	31	15	financial	financial	ADJ
fsr-3429	31	16	behavior	behavior	NOUN
fsr-3429	31	17	.	.	PUNCT
fsr-3429	32	1	rather	rather	ADV
fsr-3429	32	2	,	,	PUNCT
fsr-3429	32	3	developing	develop	VERB
fsr-3429	32	4	and	and	CCONJ
fsr-3429	32	5	conforming	conform	VERB
fsr-3429	32	6	to	to	ADP
fsr-3429	32	7	a	a	DET
fsr-3429	32	8	retirement	retirement	NOUN
fsr-3429	32	9	plan	plan	NOUN
fsr-3429	32	10	,	,	PUNCT
fsr-3429	32	11	is	be	AUX
fsr-3429	32	12	the	the	DET
fsr-3429	32	13	predictive	predictive	ADJ
fsr-3429	32	14	variable	variable	NOUN
fsr-3429	32	15	.	.	PUNCT
fsr-3429	33	1	furthermore	furthermore	ADV
fsr-3429	33	2	,	,	PUNCT
fsr-3429	33	3	a	a	DET
fsr-3429	33	4	positive	positive	ADJ
fsr-3429	33	5	financial	financial	ADJ
fsr-3429	33	6	attitude	attitude	NOUN
fsr-3429	33	7	is	be	AUX
fsr-3429	33	8	shown	show	VERB
fsr-3429	33	9	to	to	PART
fsr-3429	33	10	be	be	AUX
fsr-3429	33	11	positively	positively	ADV
fsr-3429	33	12	associated	associate	VERB
fsr-3429	33	13	with	with	ADP
fsr-3429	33	14	financial	financial	ADJ
fsr-3429	33	15	behavior	behavior	NOUN
fsr-3429	33	16	.	.	PUNCT
fsr-3429	34	1	however	however	ADV
fsr-3429	34	2	,	,	PUNCT
fsr-3429	34	3	further	further	ADJ
fsr-3429	34	4	mediation	mediation	NOUN
fsr-3429	34	5	analysis	analysis	NOUN
fsr-3429	34	6	showed	show	VERB
fsr-3429	34	7	that	that	SCONJ
fsr-3429	34	8	being	be	AUX
fsr-3429	34	9	a	a	DET
fsr-3429	34	10	more	more	ADV
fsr-3429	34	11	successful	successful	ADJ
fsr-3429	34	12	planner	planner	NOUN
fsr-3429	34	13	was	be	AUX
fsr-3429	34	14	associated	associate	VERB
fsr-3429	34	15	with	with	ADP
fsr-3429	34	16	a	a	DET
fsr-3429	34	17	better	well	ADJ
fsr-3429	34	18	financial	financial	ADJ
fsr-3429	34	19	attitude	attitude	NOUN
fsr-3429	34	20	and	and	CCONJ
fsr-3429	34	21	in	in	ADP
fsr-3429	34	22	turn	turn	NOUN
fsr-3429	34	23	better	well	ADJ
fsr-3429	34	24	financial	financial	ADJ
fsr-3429	34	25	behavior	behavior	NOUN
fsr-3429	34	26	.	.	PUNCT
fsr-3429	35	1	furthermore	furthermore	ADV
fsr-3429	35	2	,	,	PUNCT
fsr-3429	35	3	a	a	DET
fsr-3429	35	4	formal	formal	ADJ
fsr-3429	35	5	approach	approach	NOUN
fsr-3429	35	6	to	to	ADP
fsr-3429	35	7	retirement	retirement	NOUN
fsr-3429	35	8	planning	planning	NOUN
fsr-3429	35	9	,	,	PUNCT
fsr-3429	35	10	such	such	ADJ
fsr-3429	35	11	as	as	ADP
fsr-3429	35	12	consulting	consult	VERB
fsr-3429	35	13	with	with	ADP
fsr-3429	35	14	a	a	DET
fsr-3429	35	15	financial	financial	ADJ
fsr-3429	35	16	planner	planner	NOUN
fsr-3429	35	17	,	,	PUNCT
fsr-3429	35	18	can	can	AUX
fsr-3429	35	19	assist	assist	VERB
fsr-3429	35	20	in	in	ADP
fsr-3429	35	21	being	be	AUX
fsr-3429	35	22	a	a	DET
fsr-3429	35	23	more	more	ADV
fsr-3429	35	24	successful	successful	ADJ
fsr-3429	35	25	planner	planner	NOUN
fsr-3429	35	26	.	.	PUNCT
fsr-3429	36	1	these	these	DET
fsr-3429	36	2	results	result	NOUN
fsr-3429	36	3	are	be	AUX
fsr-3429	36	4	helpful	helpful	ADJ
fsr-3429	36	5	as	as	SCONJ
fsr-3429	36	6	they	they	PRON
fsr-3429	36	7	provide	provide	VERB
fsr-3429	36	8	the	the	DET
fsr-3429	36	9	basis	basis	NOUN
fsr-3429	36	10	for	for	ADP
fsr-3429	36	11	a	a	DET
fsr-3429	36	12	tangible	tangible	ADJ
fsr-3429	36	13	plan	plan	NOUN
fsr-3429	36	14	to	to	PART
fsr-3429	36	15	improve	improve	VERB
fsr-3429	36	16	retirement	retirement	NOUN
fsr-3429	36	17	saving	saving	NOUN
fsr-3429	36	18	for	for	ADP
fsr-3429	36	19	individuals	individual	NOUN
fsr-3429	36	20	.	.	PUNCT
fsr-3429	37	1	furthermore	furthermore	ADV
fsr-3429	37	2	,	,	PUNCT
fsr-3429	37	3	educational	educational	ADJ
fsr-3429	37	4	interventions	intervention	NOUN
fsr-3429	37	5	can	can	AUX
fsr-3429	37	6	be	be	AUX
fsr-3429	37	7	targeted	target	VERB
fsr-3429	37	8	to	to	ADP
fsr-3429	37	9	specific	specific	ADJ
fsr-3429	37	10	behaviors	behavior	NOUN
fsr-3429	37	11	,	,	PUNCT
fsr-3429	37	12	rather	rather	ADV
fsr-3429	37	13	than	than	ADP
fsr-3429	37	14	financial	financial	ADJ
fsr-3429	37	15	literacy	literacy	NOUN
fsr-3429	37	16	in	in	ADP
fsr-3429	37	17	isolation	isolation	NOUN
fsr-3429	37	18	.	.	PUNCT
fsr-3429	38	1	this	this	DET
fsr-3429	38	2	study	study	NOUN
fsr-3429	38	3	continues	continue	VERB
fsr-3429	38	4	by	by	ADP
fsr-3429	38	5	reviewing	review	VERB
fsr-3429	38	6	literature	literature	NOUN
fsr-3429	38	7	on	on	ADP
fsr-3429	38	8	financial	financial	ADJ
fsr-3429	38	9	literacy	literacy	NOUN
fsr-3429	38	10	and	and	CCONJ
fsr-3429	38	11	financial	financial	ADJ
fsr-3429	38	12	behavior	behavior	NOUN
fsr-3429	38	13	.	.	PUNCT
fsr-3429	39	1	thereafter	thereafter	ADV
fsr-3429	39	2	,	,	PUNCT
fsr-3429	39	3	the	the	DET
fsr-3429	39	4	research	research	NOUN
fsr-3429	39	5	method	method	NOUN
fsr-3429	39	6	is	be	AUX
fsr-3429	39	7	presented	present	VERB
fsr-3429	39	8	,	,	PUNCT
fsr-3429	39	9	which	which	PRON
fsr-3429	39	10	includes	include	VERB
fsr-3429	39	11	descriptive	descriptive	ADJ
fsr-3429	39	12	statistics	statistic	NOUN
fsr-3429	39	13	to	to	PART
fsr-3429	39	14	understand	understand	VERB
fsr-3429	39	15	the	the	DET
fsr-3429	39	16	socioeconomic	socioeconomic	ADJ
fsr-3429	39	17	breakdown	breakdown	NOUN
fsr-3429	39	18	of	of	ADP
fsr-3429	39	19	the	the	DET
fsr-3429	39	20	respondents	respondent	NOUN
fsr-3429	39	21	.	.	PUNCT
fsr-3429	40	1	the	the	DET
fsr-3429	40	2	measurement	measurement	NOUN
fsr-3429	40	3	of	of	ADP
fsr-3429	40	4	variables	variable	NOUN
fsr-3429	40	5	is	be	AUX
fsr-3429	40	6	also	also	ADV
fsr-3429	40	7	discussed	discuss	VERB
fsr-3429	40	8	.	.	PUNCT
fsr-3429	41	1	the	the	DET
fsr-3429	41	2	results	result	NOUN
fsr-3429	41	3	continue	continue	VERB
fsr-3429	41	4	to	to	PART
fsr-3429	41	5	present	present	VERB
fsr-3429	41	6	the	the	DET
fsr-3429	41	7	output	output	NOUN
fsr-3429	41	8	from	from	ADP
fsr-3429	41	9	multivariate	multivariate	NOUN
fsr-3429	41	10	regression	regression	NOUN
fsr-3429	41	11	and	and	CCONJ
fsr-3429	41	12	mediation	mediation	NOUN
fsr-3429	41	13	analyses	analysis	NOUN
fsr-3429	41	14	that	that	PRON
fsr-3429	41	15	critically	critically	ADV
fsr-3429	41	16	assess	assess	VERB
fsr-3429	41	17	the	the	DET
fsr-3429	41	18	relationship	relationship	NOUN
fsr-3429	41	19	among	among	ADP
fsr-3429	41	20	the	the	DET
fsr-3429	41	21	measured	measure	VERB
fsr-3429	41	22	variables	variable	NOUN
fsr-3429	41	23	.	.	PUNCT
fsr-3429	42	1	discussion	discussion	NOUN
fsr-3429	42	2	on	on	ADP
fsr-3429	42	3	the	the	DET
fsr-3429	42	4	outcomes	outcome	NOUN
fsr-3429	42	5	are	be	AUX
fsr-3429	42	6	presented	present	VERB
fsr-3429	42	7	and	and	CCONJ
fsr-3429	42	8	conclusions	conclusion	NOUN
fsr-3429	42	9	and	and	CCONJ
fsr-3429	42	10	recommendations	recommendation	NOUN
fsr-3429	42	11	made	make	VERB
fsr-3429	42	12	which	which	PRON
fsr-3429	42	13	are	be	AUX
fsr-3429	42	14	broadly	broadly	ADV
fsr-3429	42	15	applicable	applicable	ADJ
fsr-3429	42	16	across	across	ADP
fsr-3429	42	17	the	the	DET
fsr-3429	42	18	globe	globe	NOUN
fsr-3429	42	19	.	.	PUNCT
fsr-3429	43	1	244	244	NUM
fsr-3429	43	2	g.d	g.d	NOUN
fsr-3429	43	3	.	.	PUNCT
fsr-3429	43	4	willows	willows	PROPN
fsr-3429	43	5	/	/	SYM
fsr-3429	43	6	financial	financial	ADJ
fsr-3429	43	7	services	service	NOUN
fsr-3429	43	8	review	review	VERB
fsr-3429	43	9	28	28	NUM
fsr-3429	43	10	(	(	PUNCT
fsr-3429	43	11	2020	2020	NUM
fsr-3429	43	12	)	)	PUNCT
fsr-3429	44	1	243–271	243–271	NUM
fsr-3429	44	2	2	2	NUM
fsr-3429	44	3	.	.	PUNCT
fsr-3429	44	4	literature	literature	NOUN
fsr-3429	44	5	review	review	VERB
fsr-3429	44	6	analyses	analysis	NOUN
fsr-3429	44	7	of	of	ADP
fsr-3429	44	8	the	the	DET
fsr-3429	44	9	level	level	NOUN
fsr-3429	44	10	of	of	ADP
fsr-3429	44	11	financial	financial	ADJ
fsr-3429	44	12	literacy	literacy	NOUN
fsr-3429	44	13	of	of	ADP
fsr-3429	44	14	individuals	individual	NOUN
fsr-3429	44	15	will	will	AUX
fsr-3429	44	16	be	be	AUX
fsr-3429	44	17	reviewed	review	VERB
fsr-3429	44	18	and	and	CCONJ
fsr-3429	44	19	potential	potential	ADJ
fsr-3429	44	20	sources	source	NOUN
fsr-3429	44	21	from	from	ADP
fsr-3429	44	22	which	which	PRON
fsr-3429	44	23	retirement	retirement	NOUN
fsr-3429	44	24	savings	saving	NOUN
fsr-3429	44	25	information	information	NOUN
fsr-3429	44	26	is	be	AUX
fsr-3429	44	27	received	receive	VERB
fsr-3429	44	28	will	will	AUX
fsr-3429	44	29	be	be	AUX
fsr-3429	44	30	summarized	summarize	VERB
fsr-3429	44	31	.	.	PUNCT
fsr-3429	45	1	after	after	ADP
fsr-3429	45	2	that	that	PRON
fsr-3429	45	3	,	,	PUNCT
fsr-3429	45	4	connections	connection	NOUN
fsr-3429	45	5	with	with	ADP
fsr-3429	45	6	a	a	DET
fsr-3429	45	7	consumer	consumer	NOUN
fsr-3429	45	8	’s	’s	PART
fsr-3429	45	9	associated	associate	VERB
fsr-3429	45	10	financial	financial	ADJ
fsr-3429	45	11	behavior	behavior	NOUN
fsr-3429	45	12	(	(	PUNCT
fsr-3429	45	13	i.e.	i.e.	X
fsr-3429	45	14	,	,	PUNCT
fsr-3429	45	15	their	their	PRON
fsr-3429	45	16	propensity	propensity	NOUN
fsr-3429	45	17	to	to	PART
fsr-3429	45	18	save	save	VERB
fsr-3429	45	19	for	for	ADP
fsr-3429	45	20	retirement	retirement	NOUN
fsr-3429	45	21	)	)	PUNCT
fsr-3429	45	22	will	will	AUX
fsr-3429	45	23	be	be	AUX
fsr-3429	45	24	examined	examine	VERB
fsr-3429	45	25	.	.	PUNCT
fsr-3429	46	1	studies	study	NOUN
fsr-3429	46	2	that	that	PRON
fsr-3429	46	3	have	have	AUX
fsr-3429	46	4	looked	look	VERB
fsr-3429	46	5	at	at	ADP
fsr-3429	46	6	education	education	NOUN
fsr-3429	46	7	interventions	intervention	NOUN
fsr-3429	46	8	will	will	AUX
fsr-3429	46	9	also	also	ADV
fsr-3429	46	10	be	be	AUX
fsr-3429	46	11	considered	consider	VERB
fsr-3429	46	12	as	as	ADP
fsr-3429	46	13	a	a	DET
fsr-3429	46	14	possible	possible	ADJ
fsr-3429	46	15	means	mean	NOUN
fsr-3429	46	16	to	to	PART
fsr-3429	46	17	improve	improve	VERB
fsr-3429	46	18	financial	financial	ADJ
fsr-3429	46	19	literacy	literacy	NOUN
fsr-3429	46	20	.	.	PUNCT
fsr-3429	47	1	2.1	2.1	NUM
fsr-3429	47	2	.	.	PUNCT
fsr-3429	48	1	financial	financial	ADJ
fsr-3429	48	2	literacy	literacy	NOUN
fsr-3429	48	3	financial	financial	ADJ
fsr-3429	48	4	literacy	literacy	NOUN
fsr-3429	48	5	includes	include	VERB
fsr-3429	48	6	financial	financial	ADJ
fsr-3429	48	7	knowledge	knowledge	NOUN
fsr-3429	48	8	,	,	PUNCT
fsr-3429	48	9	awareness	awareness	NOUN
fsr-3429	48	10	,	,	PUNCT
fsr-3429	48	11	and	and	CCONJ
fsr-3429	48	12	skills	skill	NOUN
fsr-3429	48	13	and	and	CCONJ
fsr-3429	48	14	capability	capability	NOUN
fsr-3429	48	15	,	,	PUNCT
fsr-3429	48	16	with	with	ADP
fsr-3429	48	17	the	the	DET
fsr-3429	48	18	last	last	NOUN
fsr-3429	48	19	of	of	ADP
fsr-3429	48	20	those	those	PRON
fsr-3429	48	21	being	be	AUX
fsr-3429	48	22	inclusive	inclusive	ADJ
fsr-3429	48	23	of	of	ADP
fsr-3429	48	24	financial	financial	ADJ
fsr-3429	48	25	planning	planning	NOUN
fsr-3429	48	26	(	(	PUNCT
fsr-3429	48	27	xu	xu	PROPN
fsr-3429	48	28	&	&	CCONJ
fsr-3429	48	29	zia	zia	PROPN
fsr-3429	48	30	,	,	PUNCT
fsr-3429	48	31	2012	2012	NUM
fsr-3429	48	32	)	)	PUNCT
fsr-3429	48	33	.	.	PUNCT
fsr-3429	49	1	lusardi	lusardi	PROPN
fsr-3429	49	2	and	and	CCONJ
fsr-3429	49	3	mitchell	mitchell	PROPN
fsr-3429	49	4	(	(	PUNCT
fsr-3429	49	5	2011	2011	NUM
fsr-3429	49	6	)	)	PUNCT
fsr-3429	49	7	measured	measure	VERB
fsr-3429	49	8	how	how	SCONJ
fsr-3429	49	9	workers	worker	NOUN
fsr-3429	49	10	made	make	VERB
fsr-3429	49	11	their	their	PRON
fsr-3429	49	12	savings	saving	NOUN
fsr-3429	49	13	decisions	decision	NOUN
fsr-3429	49	14	,	,	PUNCT
fsr-3429	49	15	how	how	SCONJ
fsr-3429	49	16	they	they	PRON
fsr-3429	49	17	collected	collect	VERB
fsr-3429	49	18	information	information	NOUN
fsr-3429	49	19	to	to	PART
fsr-3429	49	20	make	make	VERB
fsr-3429	49	21	such	such	ADJ
fsr-3429	49	22	decisions	decision	NOUN
fsr-3429	49	23	and	and	CCONJ
fsr-3429	49	24	whether	whether	SCONJ
fsr-3429	49	25	these	these	DET
fsr-3429	49	26	workers	worker	NOUN
fsr-3429	49	27	possessed	possess	VERB
fsr-3429	49	28	the	the	DET
fsr-3429	49	29	financial	financial	ADJ
fsr-3429	49	30	literacy	literacy	NOUN
fsr-3429	49	31	needed	need	VERB
fsr-3429	49	32	to	to	PART
fsr-3429	49	33	make	make	VERB
fsr-3429	49	34	such	such	ADJ
fsr-3429	49	35	decisions	decision	NOUN
fsr-3429	49	36	.	.	PUNCT
fsr-3429	50	1	lusardi	lusardi	PROPN
fsr-3429	50	2	and	and	CCONJ
fsr-3429	50	3	mitchell	mitchell	PROPN
fsr-3429	50	4	(	(	PUNCT
fsr-3429	50	5	2011	2011	NUM
fsr-3429	50	6	)	)	PUNCT
fsr-3429	50	7	found	find	VERB
fsr-3429	50	8	financial	financial	ADJ
fsr-3429	50	9	illiteracy	illiteracy	NOUN
fsr-3429	50	10	to	to	PART
fsr-3429	50	11	be	be	AUX
fsr-3429	50	12	most	most	ADV
fsr-3429	50	13	common	common	ADJ
fsr-3429	50	14	among	among	ADP
fsr-3429	50	15	older	old	ADJ
fsr-3429	50	16	americans	american	NOUN
fsr-3429	50	17	and	and	CCONJ
fsr-3429	50	18	that	that	SCONJ
fsr-3429	50	19	minorities	minority	NOUN
fsr-3429	50	20	,	,	PUNCT
fsr-3429	50	21	women	woman	NOUN
fsr-3429	50	22	,	,	PUNCT
fsr-3429	50	23	and	and	CCONJ
fsr-3429	50	24	consumers	consumer	NOUN
fsr-3429	50	25	without	without	ADP
fsr-3429	50	26	a	a	DET
fsr-3429	50	27	college	college	NOUN
fsr-3429	50	28	or	or	CCONJ
fsr-3429	50	29	high	high	ADJ
fsr-3429	50	30	school	school	NOUN
fsr-3429	50	31	degree	degree	NOUN
fsr-3429	50	32	were	be	AUX
fsr-3429	50	33	most	most	ADV
fsr-3429	50	34	susceptible	susceptible	ADJ
fsr-3429	50	35	to	to	ADP
fsr-3429	50	36	having	have	VERB
fsr-3429	50	37	low	low	ADJ
fsr-3429	50	38	financial	financial	ADJ
fsr-3429	50	39	knowledge	knowledge	NOUN
fsr-3429	50	40	.	.	PUNCT
fsr-3429	51	1	this	this	PRON
fsr-3429	51	2	was	be	AUX
fsr-3429	51	3	supported	support	VERB
fsr-3429	51	4	by	by	ADP
fsr-3429	51	5	xu	xu	PROPN
fsr-3429	51	6	and	and	CCONJ
fsr-3429	51	7	zia	zia	PROPN
fsr-3429	51	8	(	(	PUNCT
fsr-3429	51	9	2012	2012	NUM
fsr-3429	51	10	)	)	PUNCT
fsr-3429	51	11	who	who	PRON
fsr-3429	51	12	found	find	VERB
fsr-3429	51	13	women	woman	NOUN
fsr-3429	51	14	to	to	PART
fsr-3429	51	15	have	have	VERB
fsr-3429	51	16	lower	low	ADJ
fsr-3429	51	17	levels	level	NOUN
fsr-3429	51	18	of	of	ADP
fsr-3429	51	19	financial	financial	ADJ
fsr-3429	51	20	literacy	literacy	NOUN
fsr-3429	51	21	in	in	ADP
fsr-3429	51	22	almost	almost	ADV
fsr-3429	51	23	all	all	DET
fsr-3429	51	24	the	the	DET
fsr-3429	51	25	countries	country	NOUN
fsr-3429	51	26	they	they	PRON
fsr-3429	51	27	investigated	investigate	VERB
fsr-3429	51	28	.	.	PUNCT
fsr-3429	52	1	using	use	VERB
fsr-3429	52	2	a	a	DET
fsr-3429	52	3	ten	ten	NUM
fsr-3429	52	4	-	-	PUNCT
fsr-3429	52	5	question	question	NOUN
fsr-3429	52	6	financial	financial	ADJ
fsr-3429	52	7	literacy	literacy	NOUN
fsr-3429	52	8	experiment	experiment	NOUN
fsr-3429	52	9	,	,	PUNCT
fsr-3429	52	10	agnew	agnew	PROPN
fsr-3429	52	11	and	and	CCONJ
fsr-3429	52	12	szykman	szykman	PROPN
fsr-3429	52	13	(	(	PUNCT
fsr-3429	52	14	2005	2005	NUM
fsr-3429	52	15	)	)	PUNCT
fsr-3429	52	16	found	find	VERB
fsr-3429	52	17	that	that	SCONJ
fsr-3429	52	18	individuals	individual	NOUN
fsr-3429	52	19	tended	tend	VERB
fsr-3429	52	20	to	to	PART
fsr-3429	52	21	gain	gain	VERB
fsr-3429	52	22	financial	financial	ADJ
fsr-3429	52	23	experience	experience	NOUN
fsr-3429	52	24	as	as	SCONJ
fsr-3429	52	25	they	they	PRON
fsr-3429	52	26	age	age	VERB
fsr-3429	52	27	,	,	PUNCT
fsr-3429	52	28	which	which	PRON
fsr-3429	52	29	increased	increase	VERB
fsr-3429	52	30	their	their	PRON
fsr-3429	52	31	financial	financial	ADJ
fsr-3429	52	32	literacy	literacy	NOUN
fsr-3429	52	33	.	.	PUNCT
fsr-3429	53	1	the	the	DET
fsr-3429	53	2	researchers	researcher	NOUN
fsr-3429	53	3	found	find	VERB
fsr-3429	53	4	that	that	SCONJ
fsr-3429	53	5	married	married	ADJ
fsr-3429	53	6	consumers	consumer	NOUN
fsr-3429	53	7	performed	perform	VERB
fsr-3429	53	8	better	well	ADV
fsr-3429	53	9	than	than	ADP
fsr-3429	53	10	those	those	PRON
fsr-3429	53	11	who	who	PRON
fsr-3429	53	12	were	be	AUX
fsr-3429	53	13	single	single	ADJ
fsr-3429	53	14	.	.	PUNCT
fsr-3429	54	1	however	however	ADV
fsr-3429	54	2	,	,	PUNCT
fsr-3429	54	3	individuals	individual	NOUN
fsr-3429	54	4	with	with	ADP
fsr-3429	54	5	children	child	NOUN
fsr-3429	54	6	had	have	VERB
fsr-3429	54	7	lower	low	ADJ
fsr-3429	54	8	levels	level	NOUN
fsr-3429	54	9	of	of	ADP
fsr-3429	54	10	financial	financial	ADJ
fsr-3429	54	11	literacy	literacy	NOUN
fsr-3429	54	12	than	than	ADP
fsr-3429	54	13	those	those	PRON
fsr-3429	54	14	without	without	ADP
fsr-3429	54	15	children	child	NOUN
fsr-3429	54	16	.	.	PUNCT
fsr-3429	55	1	the	the	DET
fsr-3429	55	2	variable	variable	NOUN
fsr-3429	55	3	with	with	ADP
fsr-3429	55	4	the	the	DET
fsr-3429	55	5	most	most	ADV
fsr-3429	55	6	significant	significant	ADJ
fsr-3429	55	7	effect	effect	NOUN
fsr-3429	55	8	on	on	ADP
fsr-3429	55	9	the	the	DET
fsr-3429	55	10	test	test	NOUN
fsr-3429	55	11	scores	score	NOUN
fsr-3429	55	12	was	be	AUX
fsr-3429	55	13	salary	salary	NOUN
fsr-3429	55	14	levels	level	NOUN
fsr-3429	55	15	,	,	PUNCT
fsr-3429	55	16	which	which	PRON
fsr-3429	55	17	were	be	AUX
fsr-3429	55	18	found	find	VERB
fsr-3429	55	19	to	to	PART
fsr-3429	55	20	decrease	decrease	VERB
fsr-3429	55	21	test	test	NOUN
fsr-3429	55	22	scores	score	NOUN
fsr-3429	55	23	as	as	SCONJ
fsr-3429	55	24	salary	salary	NOUN
fsr-3429	55	25	levels	level	NOUN
fsr-3429	55	26	decreased	decrease	VERB
fsr-3429	55	27	.	.	PUNCT
fsr-3429	56	1	the	the	DET
fsr-3429	56	2	worst	bad	ADJ
fsr-3429	56	3	performers	performer	NOUN
fsr-3429	56	4	were	be	AUX
fsr-3429	56	5	those	those	PRON
fsr-3429	56	6	without	without	ADP
fsr-3429	56	7	a	a	DET
fsr-3429	56	8	college	college	NOUN
fsr-3429	56	9	degree	degree	NOUN
fsr-3429	56	10	.	.	PUNCT
fsr-3429	57	1	furthermore	furthermore	ADV
fsr-3429	57	2	,	,	PUNCT
fsr-3429	57	3	investigating	investigate	VERB
fsr-3429	57	4	financial	financial	ADJ
fsr-3429	57	5	literacy	literacy	NOUN
fsr-3429	57	6	across	across	ADP
fsr-3429	57	7	a	a	DET
fsr-3429	57	8	number	number	NOUN
fsr-3429	57	9	of	of	ADP
fsr-3429	57	10	countries	country	NOUN
fsr-3429	57	11	,	,	PUNCT
fsr-3429	57	12	xu	xu	PROPN
fsr-3429	57	13	and	and	CCONJ
fsr-3429	57	14	zia	zia	PROPN
fsr-3429	57	15	(	(	PUNCT
fsr-3429	57	16	2012	2012	NUM
fsr-3429	57	17	)	)	PUNCT
fsr-3429	57	18	found	find	VERB
fsr-3429	57	19	higher	high	ADJ
fsr-3429	57	20	-	-	PUNCT
fsr-3429	57	21	income	income	NOUN
fsr-3429	57	22	countries	country	NOUN
fsr-3429	57	23	to	to	PART
fsr-3429	57	24	perform	perform	VERB
fsr-3429	57	25	better	well	ADV
fsr-3429	57	26	on	on	ADP
fsr-3429	57	27	financial	financial	ADJ
fsr-3429	57	28	literacy	literacy	NOUN
fsr-3429	57	29	tests	test	NOUN
fsr-3429	57	30	than	than	ADP
fsr-3429	57	31	lower	low	ADJ
fsr-3429	57	32	-	-	PUNCT
fsr-3429	57	33	income	income	NOUN
fsr-3429	57	34	countries	country	NOUN
fsr-3429	57	35	,	,	PUNCT
fsr-3429	57	36	and	and	CCONJ
fsr-3429	57	37	that	that	SCONJ
fsr-3429	57	38	levels	level	NOUN
fsr-3429	57	39	of	of	ADP
fsr-3429	57	40	financial	financial	ADJ
fsr-3429	57	41	literacy	literacy	NOUN
fsr-3429	57	42	followed	follow	VERB
fsr-3429	57	43	an	an	DET
fsr-3429	57	44	inverted	invert	VERB
fsr-3429	57	45	-	-	PUNCT
fsr-3429	57	46	u	u	NOUN
fsr-3429	57	47	shape	shape	NOUN
fsr-3429	57	48	when	when	SCONJ
fsr-3429	57	49	plotted	plot	VERB
fsr-3429	57	50	against	against	ADP
fsr-3429	57	51	age	age	NOUN
fsr-3429	57	52	.	.	PUNCT
fsr-3429	58	1	agnew	agnew	PROPN
fsr-3429	58	2	and	and	CCONJ
fsr-3429	58	3	szykman	szykman	PROPN
fsr-3429	58	4	(	(	PUNCT
fsr-3429	58	5	2005	2005	NUM
fsr-3429	58	6	)	)	PUNCT
fsr-3429	58	7	noted	note	VERB
fsr-3429	58	8	that	that	SCONJ
fsr-3429	58	9	consumers	consumer	NOUN
fsr-3429	58	10	with	with	ADP
fsr-3429	58	11	the	the	DET
fsr-3429	58	12	lowest	low	ADJ
fsr-3429	58	13	results	result	NOUN
fsr-3429	58	14	on	on	ADP
fsr-3429	58	15	a	a	DET
fsr-3429	58	16	financial	financial	ADJ
fsr-3429	58	17	exam	exam	NOUN
fsr-3429	58	18	were	be	AUX
fsr-3429	58	19	the	the	DET
fsr-3429	58	20	same	same	ADJ
fsr-3429	58	21	types	type	NOUN
fsr-3429	58	22	of	of	ADP
fsr-3429	58	23	consumers	consumer	NOUN
fsr-3429	58	24	who	who	PRON
fsr-3429	58	25	were	be	AUX
fsr-3429	58	26	not	not	PART
fsr-3429	58	27	saving	save	VERB
fsr-3429	58	28	enough	enough	ADJ
fsr-3429	58	29	for	for	ADP
fsr-3429	58	30	retirement	retirement	NOUN
fsr-3429	58	31	.	.	PUNCT
fsr-3429	59	1	this	this	DET
fsr-3429	59	2	literature	literature	NOUN
fsr-3429	59	3	presents	present	VERB
fsr-3429	59	4	a	a	DET
fsr-3429	59	5	potential	potential	ADJ
fsr-3429	59	6	correlation	correlation	NOUN
fsr-3429	59	7	between	between	ADP
fsr-3429	59	8	financial	financial	ADJ
fsr-3429	59	9	literacy	literacy	NOUN
fsr-3429	59	10	and	and	CCONJ
fsr-3429	59	11	retirement	retirement	NOUN
fsr-3429	59	12	savings	saving	NOUN
fsr-3429	59	13	decisions	decision	NOUN
fsr-3429	59	14	.	.	PUNCT
fsr-3429	60	1	furthermore	furthermore	ADV
fsr-3429	60	2	,	,	PUNCT
fsr-3429	60	3	certain	certain	ADJ
fsr-3429	60	4	socioeconomic	socioeconomic	ADJ
fsr-3429	60	5	characteristics	characteristic	NOUN
fsr-3429	60	6	such	such	ADJ
fsr-3429	60	7	as	as	ADP
fsr-3429	60	8	age	age	NOUN
fsr-3429	60	9	,	,	PUNCT
fsr-3429	60	10	gender	gender	NOUN
fsr-3429	60	11	,	,	PUNCT
fsr-3429	60	12	marital	marital	ADJ
fsr-3429	60	13	status	status	NOUN
fsr-3429	60	14	,	,	PUNCT
fsr-3429	60	15	and	and	CCONJ
fsr-3429	60	16	salary	salary	NOUN
fsr-3429	60	17	appear	appear	VERB
fsr-3429	60	18	to	to	PART
fsr-3429	60	19	influence	influence	VERB
fsr-3429	60	20	financial	financial	ADJ
fsr-3429	60	21	literacy	literacy	NOUN
fsr-3429	60	22	.	.	PUNCT
fsr-3429	61	1	however	however	ADV
fsr-3429	61	2	,	,	PUNCT
fsr-3429	61	3	further	further	ADJ
fsr-3429	61	4	insight	insight	NOUN
fsr-3429	61	5	from	from	ADP
fsr-3429	61	6	meta	meta	ADJ
fsr-3429	61	7	-	-	PUNCT
fsr-3429	61	8	analyses	analysis	NOUN
fsr-3429	61	9	and	and	CCONJ
fsr-3429	61	10	studies	study	NOUN
fsr-3429	61	11	using	use	VERB
fsr-3429	61	12	methods	method	NOUN
fsr-3429	61	13	to	to	PART
fsr-3429	61	14	arrive	arrive	VERB
fsr-3429	61	15	at	at	ADP
fsr-3429	61	16	causal	causal	ADJ
fsr-3429	61	17	estimates	estimate	NOUN
fsr-3429	61	18	is	be	AUX
fsr-3429	61	19	required	require	VERB
fsr-3429	61	20	.	.	PUNCT
fsr-3429	62	1	showing	show	VERB
fsr-3429	62	2	that	that	PRON
fsr-3429	62	3	planning	planning	NOUN
fsr-3429	62	4	and	and	CCONJ
fsr-3429	62	5	financial	financial	ADJ
fsr-3429	62	6	literacy	literacy	NOUN
fsr-3429	62	7	are	be	AUX
fsr-3429	62	8	interconnected	interconnect	VERB
fsr-3429	62	9	,	,	PUNCT
fsr-3429	62	10	lusardi	lusardi	PROPN
fsr-3429	62	11	and	and	CCONJ
fsr-3429	62	12	mitchell	mitchell	PROPN
fsr-3429	62	13	(	(	PUNCT
fsr-3429	62	14	2011	2011	NUM
fsr-3429	62	15	)	)	PUNCT
fsr-3429	62	16	found	find	VERB
fsr-3429	62	17	that	that	SCONJ
fsr-3429	62	18	those	those	DET
fsr-3429	62	19	individuals	individual	NOUN
fsr-3429	62	20	who	who	PRON
fsr-3429	62	21	displayed	display	VERB
fsr-3429	62	22	financial	financial	ADJ
fsr-3429	62	23	literacy	literacy	NOUN
fsr-3429	62	24	were	be	AUX
fsr-3429	62	25	more	more	ADV
fsr-3429	62	26	inclined	inclined	ADJ
fsr-3429	62	27	to	to	PART
fsr-3429	62	28	plan	plan	VERB
fsr-3429	62	29	and	and	CCONJ
fsr-3429	62	30	,	,	PUNCT
fsr-3429	62	31	furthermore	furthermore	ADV
fsr-3429	62	32	,	,	PUNCT
fsr-3429	62	33	to	to	PART
fsr-3429	62	34	succeed	succeed	VERB
fsr-3429	62	35	in	in	ADP
fsr-3429	62	36	that	that	DET
fsr-3429	62	37	plan	plan	NOUN
fsr-3429	62	38	.	.	PUNCT
fsr-3429	63	1	this	this	PRON
fsr-3429	63	2	demonstrates	demonstrate	VERB
fsr-3429	63	3	a	a	DET
fsr-3429	63	4	possible	possible	ADJ
fsr-3429	63	5	association	association	NOUN
fsr-3429	63	6	between	between	ADP
fsr-3429	63	7	financial	financial	ADJ
fsr-3429	63	8	literacy	literacy	NOUN
fsr-3429	63	9	and	and	CCONJ
fsr-3429	63	10	planning	planning	NOUN
fsr-3429	63	11	for	for	ADP
fsr-3429	63	12	retirement	retirement	NOUN
fsr-3429	63	13	,	,	PUNCT
fsr-3429	63	14	which	which	PRON
fsr-3429	63	15	might	might	AUX
fsr-3429	63	16	result	result	VERB
fsr-3429	63	17	in	in	ADP
fsr-3429	63	18	successful	successful	ADJ
fsr-3429	63	19	retirement	retirement	NOUN
fsr-3429	63	20	savings	saving	NOUN
fsr-3429	63	21	outcomes	outcome	NOUN
fsr-3429	63	22	.	.	PUNCT
fsr-3429	64	1	furthermore	furthermore	ADV
fsr-3429	64	2	,	,	PUNCT
fsr-3429	64	3	olsen	olsen	PROPN
fsr-3429	64	4	and	and	CCONJ
fsr-3429	64	5	whitman	whitman	PROPN
fsr-3429	64	6	(	(	PUNCT
fsr-3429	64	7	2007	2007	NUM
fsr-3429	64	8	)	)	PUNCT
fsr-3429	64	9	found	find	VERB
fsr-3429	64	10	that	that	SCONJ
fsr-3429	64	11	poor	poor	ADJ
fsr-3429	64	12	savings	saving	NOUN
fsr-3429	64	13	can	can	AUX
fsr-3429	64	14	be	be	AUX
fsr-3429	64	15	ascribed	ascribe	VERB
fsr-3429	64	16	to	to	ADP
fsr-3429	64	17	a	a	DET
fsr-3429	64	18	lack	lack	NOUN
fsr-3429	64	19	of	of	ADP
fsr-3429	64	20	suitable	suitable	ADJ
fsr-3429	64	21	retirement	retirement	NOUN
fsr-3429	64	22	goals	goal	NOUN
fsr-3429	64	23	.	.	PUNCT
fsr-3429	65	1	g.d	g.d	NOUN
fsr-3429	65	2	.	.	PROPN
fsr-3429	65	3	willows	willows	PROPN
fsr-3429	65	4	/	/	SYM
fsr-3429	65	5	financial	financial	ADJ
fsr-3429	65	6	services	service	NOUN
fsr-3429	65	7	review	review	VERB
fsr-3429	65	8	28	28	NUM
fsr-3429	65	9	(	(	PUNCT
fsr-3429	65	10	2020	2020	NUM
fsr-3429	65	11	)	)	PUNCT
fsr-3429	66	1	243–271	243–271	NUM
fsr-3429	66	2	245	245	NUM
fsr-3429	66	3	2.2	2.2	NUM
fsr-3429	66	4	.	.	PUNCT
fsr-3429	67	1	source	source	NOUN
fsr-3429	67	2	of	of	ADP
fsr-3429	67	3	information	information	NOUN
fsr-3429	67	4	the	the	DET
fsr-3429	67	5	source	source	NOUN
fsr-3429	67	6	from	from	ADP
fsr-3429	67	7	which	which	PRON
fsr-3429	67	8	a	a	DET
fsr-3429	67	9	consumer	consumer	NOUN
fsr-3429	67	10	receives	receive	VERB
fsr-3429	67	11	financial	financial	ADJ
fsr-3429	67	12	information	information	NOUN
fsr-3429	67	13	could	could	AUX
fsr-3429	67	14	play	play	VERB
fsr-3429	67	15	an	an	DET
fsr-3429	67	16	integral	integral	ADJ
fsr-3429	67	17	part	part	NOUN
fsr-3429	67	18	in	in	ADP
fsr-3429	67	19	their	their	PRON
fsr-3429	67	20	overall	overall	ADJ
fsr-3429	67	21	financial	financial	ADJ
fsr-3429	67	22	welfare	welfare	NOUN
fsr-3429	67	23	(	(	PUNCT
fsr-3429	67	24	olsen	olsen	PROPN
fsr-3429	67	25	&	&	CCONJ
fsr-3429	67	26	whitman	whitman	PROPN
fsr-3429	67	27	,	,	PUNCT
fsr-3429	67	28	2007	2007	NUM
fsr-3429	67	29	)	)	PUNCT
fsr-3429	67	30	.	.	PUNCT
fsr-3429	68	1	in	in	ADP
fsr-3429	68	2	the	the	DET
fsr-3429	68	3	united	united	PROPN
fsr-3429	68	4	states	states	PROPN
fsr-3429	68	5	,	,	PUNCT
fsr-3429	68	6	men	man	NOUN
fsr-3429	68	7	,	,	PUNCT
fsr-3429	68	8	older	old	ADJ
fsr-3429	68	9	and	and	CCONJ
fsr-3429	68	10	better	well	ADV
fsr-3429	68	11	-	-	PUNCT
fsr-3429	68	12	educated	educate	VERB
fsr-3429	68	13	consumers	consumer	NOUN
fsr-3429	68	14	,	,	PUNCT
fsr-3429	68	15	non	non	ADJ
fsr-3429	68	16	-	-	ADJ
fsr-3429	68	17	hispanic	hispanic	ADJ
fsr-3429	68	18	whites	white	NOUN
fsr-3429	68	19	,	,	PUNCT
fsr-3429	68	20	and	and	CCONJ
fsr-3429	68	21	those	those	PRON
fsr-3429	68	22	earning	earn	VERB
fsr-3429	68	23	$	$	SYM
fsr-3429	68	24	70	70	NUM
fsr-3429	68	25	000	000	NUM
fsr-3429	68	26	or	or	CCONJ
fsr-3429	68	27	more	more	ADV
fsr-3429	68	28	a	a	DET
fsr-3429	68	29	year	year	NOUN
fsr-3429	68	30	were	be	AUX
fsr-3429	68	31	found	find	VERB
fsr-3429	68	32	to	to	PART
fsr-3429	68	33	be	be	AUX
fsr-3429	68	34	significantly	significantly	ADV
fsr-3429	68	35	more	more	ADV
fsr-3429	68	36	likely	likely	ADJ
fsr-3429	68	37	to	to	PART
fsr-3429	68	38	use	use	VERB
fsr-3429	68	39	formal	formal	ADJ
fsr-3429	68	40	advisors	advisor	NOUN
fsr-3429	68	41	.	.	PUNCT
fsr-3429	69	1	those	those	PRON
fsr-3429	69	2	earning	earn	VERB
fsr-3429	69	3	less	less	ADJ
fsr-3429	69	4	than	than	ADP
fsr-3429	69	5	$	$	SYM
fsr-3429	69	6	20	20	NUM
fsr-3429	69	7	000	000	NUM
fsr-3429	69	8	a	a	DET
fsr-3429	69	9	year	year	NOUN
fsr-3429	69	10	were	be	AUX
fsr-3429	69	11	more	more	ADV
fsr-3429	69	12	likely	likely	ADJ
fsr-3429	69	13	to	to	PART
fsr-3429	69	14	rely	rely	VERB
fsr-3429	69	15	on	on	ADP
fsr-3429	69	16	an	an	DET
fsr-3429	69	17	informal	informal	ADJ
fsr-3429	69	18	advisor	advisor	NOUN
fsr-3429	69	19	(	(	PUNCT
fsr-3429	69	20	olsen	olsen	PROPN
fsr-3429	69	21	&	&	CCONJ
fsr-3429	69	22	whitman	whitman	PROPN
fsr-3429	69	23	,	,	PUNCT
fsr-3429	69	24	2007	2007	NUM
fsr-3429	69	25	)	)	PUNCT
fsr-3429	69	26	.	.	PUNCT
fsr-3429	70	1	research	research	NOUN
fsr-3429	70	2	has	have	AUX
fsr-3429	70	3	shown	show	VERB
fsr-3429	70	4	that	that	SCONJ
fsr-3429	70	5	people	people	NOUN
fsr-3429	70	6	with	with	ADP
fsr-3429	70	7	low	low	ADJ
fsr-3429	70	8	basic	basic	ADJ
fsr-3429	70	9	literacy	literacy	NOUN
fsr-3429	70	10	capabilities	capability	NOUN
fsr-3429	70	11	rely	rely	VERB
fsr-3429	70	12	on	on	ADP
fsr-3429	70	13	informal	informal	ADJ
fsr-3429	70	14	sources	source	NOUN
fsr-3429	70	15	of	of	ADP
fsr-3429	70	16	information	information	NOUN
fsr-3429	70	17	,	,	PUNCT
fsr-3429	70	18	such	such	ADJ
fsr-3429	70	19	as	as	ADP
fsr-3429	70	20	friends	friend	NOUN
fsr-3429	70	21	and	and	CCONJ
fsr-3429	70	22	family	family	NOUN
fsr-3429	70	23	.	.	PUNCT
fsr-3429	71	1	conversely	conversely	ADV
fsr-3429	71	2	,	,	PUNCT
fsr-3429	71	3	the	the	DET
fsr-3429	71	4	proportion	proportion	NOUN
fsr-3429	71	5	of	of	ADP
fsr-3429	71	6	households	household	NOUN
fsr-3429	71	7	that	that	PRON
fsr-3429	71	8	rely	rely	VERB
fsr-3429	71	9	on	on	ADP
fsr-3429	71	10	inter	inter	ADJ
fsr-3429	71	11	alia	alia	ADJ
fsr-3429	71	12	newspapers	newspaper	NOUN
fsr-3429	71	13	,	,	PUNCT
fsr-3429	71	14	books	book	NOUN
fsr-3429	71	15	,	,	PUNCT
fsr-3429	71	16	financial	financial	ADJ
fsr-3429	71	17	magazines	magazine	NOUN
fsr-3429	71	18	and	and	CCONJ
fsr-3429	71	19	financial	financial	ADJ
fsr-3429	71	20	information	information	NOUN
fsr-3429	71	21	on	on	ADP
fsr-3429	71	22	the	the	DET
fsr-3429	71	23	internet	internet	NOUN
fsr-3429	71	24	increases	increase	VERB
fsr-3429	71	25	considerably	considerably	ADV
fsr-3429	71	26	as	as	SCONJ
fsr-3429	71	27	they	they	PRON
fsr-3429	71	28	move	move	VERB
fsr-3429	71	29	from	from	ADP
fsr-3429	71	30	a	a	DET
fsr-3429	71	31	low	low	ADJ
fsr-3429	71	32	level	level	NOUN
fsr-3429	71	33	to	to	ADP
fsr-3429	71	34	a	a	DET
fsr-3429	71	35	higher	high	ADJ
fsr-3429	71	36	level	level	NOUN
fsr-3429	71	37	of	of	ADP
fsr-3429	71	38	basic	basic	ADJ
fsr-3429	71	39	literacy	literacy	NOUN
fsr-3429	71	40	.	.	PUNCT
fsr-3429	72	1	professional	professional	ADJ
fsr-3429	72	2	financial	financial	ADJ
fsr-3429	72	3	advisors	advisor	NOUN
fsr-3429	72	4	are	be	AUX
fsr-3429	72	5	also	also	ADV
fsr-3429	72	6	more	more	ADV
fsr-3429	72	7	likely	likely	ADJ
fsr-3429	72	8	to	to	PART
fsr-3429	72	9	be	be	AUX
fsr-3429	72	10	trusted	trust	VERB
fsr-3429	72	11	by	by	ADP
fsr-3429	72	12	those	those	DET
fsr-3429	72	13	households	household	NOUN
fsr-3429	72	14	displaying	display	VERB
fsr-3429	72	15	higher	high	ADJ
fsr-3429	72	16	financial	financial	ADJ
fsr-3429	72	17	literacy	literacy	NOUN
fsr-3429	72	18	(	(	PUNCT
fsr-3429	72	19	van	van	NOUN
fsr-3429	72	20	rooij	rooij	NOUN
fsr-3429	72	21	et	et	PROPN
fsr-3429	72	22	al	al	PROPN
fsr-3429	72	23	.	.	PROPN
fsr-3429	72	24	,	,	PUNCT
fsr-3429	72	25	2011	2011	NUM
fsr-3429	72	26	)	)	PUNCT
fsr-3429	72	27	.	.	PUNCT
fsr-3429	73	1	moving	move	VERB
fsr-3429	73	2	from	from	ADP
fsr-3429	73	3	basic	basic	ADJ
fsr-3429	73	4	to	to	ADP
fsr-3429	73	5	advanced	advanced	ADJ
fsr-3429	73	6	financial	financial	ADJ
fsr-3429	73	7	literacy	literacy	NOUN
fsr-3429	73	8	,	,	PUNCT
fsr-3429	73	9	the	the	DET
fsr-3429	73	10	result	result	NOUN
fsr-3429	73	11	is	be	AUX
fsr-3429	73	12	similar	similar	ADJ
fsr-3429	73	13	but	but	CCONJ
fsr-3429	73	14	more	more	ADV
fsr-3429	73	15	pronounced	pronounced	ADJ
fsr-3429	73	16	.	.	PUNCT
fsr-3429	74	1	those	those	DET
fsr-3429	74	2	individuals	individual	NOUN
fsr-3429	74	3	who	who	PRON
fsr-3429	74	4	display	display	VERB
fsr-3429	74	5	high	high	ADJ
fsr-3429	74	6	levels	level	NOUN
fsr-3429	74	7	of	of	ADP
fsr-3429	74	8	advanced	advanced	ADJ
fsr-3429	74	9	financial	financial	ADJ
fsr-3429	74	10	literacy	literacy	NOUN
fsr-3429	74	11	are	be	AUX
fsr-3429	74	12	less	less	ADV
fsr-3429	74	13	likely	likely	ADJ
fsr-3429	74	14	to	to	PART
fsr-3429	74	15	rely	rely	VERB
fsr-3429	74	16	on	on	ADP
fsr-3429	74	17	informal	informal	ADJ
fsr-3429	74	18	sources	source	NOUN
fsr-3429	74	19	of	of	ADP
fsr-3429	74	20	information	information	NOUN
fsr-3429	74	21	and	and	CCONJ
fsr-3429	74	22	are	be	AUX
fsr-3429	74	23	more	more	ADV
fsr-3429	74	24	likely	likely	ADJ
fsr-3429	74	25	to	to	PART
fsr-3429	74	26	consult	consult	VERB
fsr-3429	74	27	financial	financial	ADJ
fsr-3429	74	28	advisors	advisor	NOUN
fsr-3429	74	29	and	and	CCONJ
fsr-3429	74	30	seek	seek	VERB
fsr-3429	74	31	information	information	NOUN
fsr-3429	74	32	in	in	ADP
fsr-3429	74	33	newspapers	newspaper	NOUN
fsr-3429	74	34	and	and	CCONJ
fsr-3429	74	35	on	on	ADP
fsr-3429	74	36	the	the	DET
fsr-3429	74	37	internet	internet	NOUN
fsr-3429	74	38	(	(	PUNCT
fsr-3429	74	39	van	van	NOUN
fsr-3429	74	40	rooij	rooij	NOUN
fsr-3429	74	41	et	et	PROPN
fsr-3429	74	42	al	al	PROPN
fsr-3429	74	43	.	.	PROPN
fsr-3429	74	44	,	,	PUNCT
fsr-3429	74	45	2011	2011	NUM
fsr-3429	74	46	)	)	PUNCT
fsr-3429	74	47	.	.	PUNCT
fsr-3429	75	1	these	these	DET
fsr-3429	75	2	findings	finding	NOUN
fsr-3429	75	3	propose	propose	VERB
fsr-3429	75	4	a	a	DET
fsr-3429	75	5	possible	possible	ADJ
fsr-3429	75	6	link	link	NOUN
fsr-3429	75	7	between	between	ADP
fsr-3429	75	8	the	the	DET
fsr-3429	75	9	tools	tool	NOUN
fsr-3429	75	10	that	that	PRON
fsr-3429	75	11	individuals	individual	NOUN
fsr-3429	75	12	use	use	VERB
fsr-3429	75	13	as	as	ADP
fsr-3429	75	14	a	a	DET
fsr-3429	75	15	source	source	NOUN
fsr-3429	75	16	of	of	ADP
fsr-3429	75	17	retirement	retirement	NOUN
fsr-3429	75	18	saving	save	VERB
fsr-3429	75	19	information	information	NOUN
fsr-3429	75	20	and	and	CCONJ
fsr-3429	75	21	their	their	PRON
fsr-3429	75	22	level	level	NOUN
fsr-3429	75	23	of	of	ADP
fsr-3429	75	24	financial	financial	ADJ
fsr-3429	75	25	literacy	literacy	NOUN
fsr-3429	75	26	.	.	PUNCT
fsr-3429	76	1	next	next	ADV
fsr-3429	76	2	,	,	PUNCT
fsr-3429	76	3	studies	study	NOUN
fsr-3429	76	4	investigating	investigate	VERB
fsr-3429	76	5	the	the	DET
fsr-3429	76	6	effect	effect	NOUN
fsr-3429	76	7	of	of	ADP
fsr-3429	76	8	financial	financial	ADJ
fsr-3429	76	9	education	education	NOUN
fsr-3429	76	10	interventions	intervention	NOUN
fsr-3429	76	11	will	will	AUX
fsr-3429	76	12	be	be	AUX
fsr-3429	76	13	reviewed	review	VERB
fsr-3429	76	14	,	,	PUNCT
fsr-3429	76	15	in	in	ADP
fsr-3429	76	16	so	so	ADV
fsr-3429	76	17	much	much	ADV
fsr-3429	76	18	as	as	ADP
fsr-3429	76	19	its	its	PRON
fsr-3429	76	20	potential	potential	ADJ
fsr-3429	76	21	impact	impact	NOUN
fsr-3429	76	22	on	on	ADP
fsr-3429	76	23	financial	financial	ADJ
fsr-3429	76	24	literacy	literacy	NOUN
fsr-3429	76	25	and	and	CCONJ
fsr-3429	76	26	financial	financial	ADJ
fsr-3429	76	27	behavior	behavior	NOUN
fsr-3429	76	28	.	.	PUNCT
fsr-3429	77	1	2.3	2.3	NUM
fsr-3429	77	2	.	.	X
fsr-3429	77	3	influencing	influence	VERB
fsr-3429	77	4	financial	financial	ADJ
fsr-3429	77	5	behavior	behavior	NOUN
fsr-3429	77	6	miller	miller	PROPN
fsr-3429	77	7	et	et	PROPN
fsr-3429	77	8	al	al	PROPN
fsr-3429	77	9	.	.	PROPN
fsr-3429	78	1	(	(	PUNCT
fsr-3429	78	2	2015	2015	NUM
fsr-3429	78	3	)	)	PUNCT
fsr-3429	78	4	conducted	conduct	VERB
fsr-3429	78	5	a	a	DET
fsr-3429	78	6	meta	meta	ADJ
fsr-3429	78	7	-	-	PUNCT
fsr-3429	78	8	analysis	analysis	NOUN
fsr-3429	78	9	on	on	ADP
fsr-3429	78	10	188	188	NUM
fsr-3429	78	11	papers	paper	NOUN
fsr-3429	78	12	and	and	CCONJ
fsr-3429	78	13	articles	article	NOUN
fsr-3429	78	14	that	that	PRON
fsr-3429	78	15	presented	present	VERB
fsr-3429	78	16	impact	impact	NOUN
fsr-3429	78	17	results	result	NOUN
fsr-3429	78	18	of	of	ADP
fsr-3429	78	19	interventions	intervention	NOUN
fsr-3429	78	20	designed	design	VERB
fsr-3429	78	21	to	to	PART
fsr-3429	78	22	improve	improve	VERB
fsr-3429	78	23	financial	financial	ADJ
fsr-3429	78	24	literacy	literacy	NOUN
fsr-3429	78	25	and/or	and/or	CCONJ
fsr-3429	78	26	financial	financial	ADJ
fsr-3429	78	27	behavior	behavior	NOUN
fsr-3429	78	28	.	.	PUNCT
fsr-3429	79	1	key	key	ADJ
fsr-3429	79	2	findings	finding	NOUN
fsr-3429	79	3	were	be	AUX
fsr-3429	79	4	that	that	PRON
fsr-3429	79	5	financial	financial	ADJ
fsr-3429	79	6	literacy	literacy	NOUN
fsr-3429	79	7	and	and	CCONJ
fsr-3429	79	8	capability	capability	NOUN
fsr-3429	79	9	interventions	intervention	NOUN
fsr-3429	79	10	can	can	AUX
fsr-3429	79	11	have	have	VERB
fsr-3429	79	12	a	a	DET
fsr-3429	79	13	positive	positive	ADJ
fsr-3429	79	14	impact	impact	NOUN
fsr-3429	79	15	in	in	ADP
fsr-3429	79	16	certain	certain	ADJ
fsr-3429	79	17	areas	area	NOUN
fsr-3429	79	18	such	such	ADJ
fsr-3429	79	19	as	as	ADP
fsr-3429	79	20	increasing	increase	VERB
fsr-3429	79	21	savings	saving	NOUN
fsr-3429	79	22	and	and	CCONJ
fsr-3429	79	23	promoting	promote	VERB
fsr-3429	79	24	certain	certain	ADJ
fsr-3429	79	25	financial	financial	ADJ
fsr-3429	79	26	skills	skill	NOUN
fsr-3429	79	27	,	,	PUNCT
fsr-3429	79	28	such	such	ADJ
fsr-3429	79	29	as	as	ADP
fsr-3429	79	30	record	record	NOUN
fsr-3429	79	31	keeping	keeping	NOUN
fsr-3429	79	32	(	(	PUNCT
fsr-3429	79	33	miller	miller	PROPN
fsr-3429	79	34	et	et	PROPN
fsr-3429	79	35	al	al	PROPN
fsr-3429	79	36	.	.	PROPN
fsr-3429	79	37	,	,	PUNCT
fsr-3429	79	38	2015	2015	NUM
fsr-3429	79	39	)	)	PUNCT
fsr-3429	79	40	.	.	PUNCT
fsr-3429	80	1	in	in	ADP
fsr-3429	80	2	south	south	PROPN
fsr-3429	80	3	africa	africa	PROPN
fsr-3429	80	4	specifically	specifically	ADV
fsr-3429	80	5	,	,	PUNCT
fsr-3429	80	6	financial	financial	ADJ
fsr-3429	80	7	messages	message	NOUN
fsr-3429	80	8	delivered	deliver	VERB
fsr-3429	80	9	through	through	ADP
fsr-3429	80	10	a	a	DET
fsr-3429	80	11	popular	popular	ADJ
fsr-3429	80	12	soap	soap	NOUN
fsr-3429	80	13	opera	opera	NOUN
fsr-3429	80	14	improved	improve	VERB
fsr-3429	80	15	certain	certain	ADJ
fsr-3429	80	16	financial	financial	ADJ
fsr-3429	80	17	behaviors	behavior	NOUN
fsr-3429	80	18	such	such	ADJ
fsr-3429	80	19	as	as	ADP
fsr-3429	80	20	borrowing	borrow	VERB
fsr-3429	80	21	from	from	ADP
fsr-3429	80	22	a	a	DET
fsr-3429	80	23	formal	formal	ADJ
fsr-3429	80	24	financial	financial	ADJ
fsr-3429	80	25	institution	institution	NOUN
fsr-3429	80	26	rather	rather	ADV
fsr-3429	80	27	than	than	ADP
fsr-3429	80	28	retailers	retailer	NOUN
fsr-3429	80	29	which	which	PRON
fsr-3429	80	30	come	come	VERB
fsr-3429	80	31	with	with	ADP
fsr-3429	80	32	higher	high	ADJ
fsr-3429	80	33	costs	cost	NOUN
fsr-3429	80	34	(	(	PUNCT
fsr-3429	80	35	berg	berg	PROPN
fsr-3429	80	36	&	&	CCONJ
fsr-3429	80	37	zia	zia	PROPN
fsr-3429	80	38	,	,	PUNCT
fsr-3429	80	39	2013	2013	NUM
fsr-3429	80	40	)	)	PUNCT
fsr-3429	80	41	.	.	PUNCT
fsr-3429	81	1	a	a	DET
fsr-3429	81	2	study	study	NOUN
fsr-3429	81	3	that	that	PRON
fsr-3429	81	4	focused	focus	VERB
fsr-3429	81	5	on	on	ADP
fsr-3429	81	6	the	the	DET
fsr-3429	81	7	effect	effect	NOUN
fsr-3429	81	8	of	of	ADP
fsr-3429	81	9	financial	financial	ADJ
fsr-3429	81	10	education	education	NOUN
fsr-3429	81	11	on	on	ADP
fsr-3429	81	12	debt	debt	NOUN
fsr-3429	81	13	outcomes	outcome	NOUN
fsr-3429	81	14	in	in	ADP
fsr-3429	81	15	early	early	ADJ
fsr-3429	81	16	adulthood	adulthood	NOUN
fsr-3429	81	17	was	be	AUX
fsr-3429	81	18	performed	perform	VERB
fsr-3429	81	19	by	by	ADP
fsr-3429	81	20	brown	brown	PROPN
fsr-3429	81	21	et	et	PROPN
fsr-3429	81	22	al	al	PROPN
fsr-3429	81	23	(	(	PUNCT
fsr-3429	81	24	2016	2016	NUM
fsr-3429	81	25	)	)	PUNCT
fsr-3429	81	26	.	.	PUNCT
fsr-3429	82	1	the	the	DET
fsr-3429	82	2	interventions	intervention	NOUN
fsr-3429	82	3	themselves	themselves	PRON
fsr-3429	82	4	were	be	AUX
fsr-3429	82	5	related	relate	VERB
fsr-3429	82	6	to	to	ADP
fsr-3429	82	7	various	various	ADJ
fsr-3429	82	8	changes	change	NOUN
fsr-3429	82	9	to	to	ADP
fsr-3429	82	10	state	state	NOUN
fsr-3429	82	11	-	-	PUNCT
fsr-3429	82	12	level	level	NOUN
fsr-3429	82	13	high	high	ADJ
fsr-3429	82	14	-	-	PUNCT
fsr-3429	82	15	school	school	NOUN
fsr-3429	82	16	curricula	curricula	NOUN
fsr-3429	82	17	which	which	PRON
fsr-3429	82	18	varied	vary	VERB
fsr-3429	82	19	between	between	ADP
fsr-3429	82	20	financial	financial	ADJ
fsr-3429	82	21	literacy	literacy	NOUN
fsr-3429	82	22	,	,	PUNCT
fsr-3429	82	23	economics	economic	NOUN
fsr-3429	82	24	,	,	PUNCT
fsr-3429	82	25	and	and	CCONJ
fsr-3429	82	26	mathematics	mathematics	NOUN
fsr-3429	82	27	course	course	NOUN
fsr-3429	82	28	offerings	offering	NOUN
fsr-3429	82	29	.	.	PUNCT
fsr-3429	83	1	the	the	DET
fsr-3429	83	2	results	result	NOUN
fsr-3429	83	3	showed	show	VERB
fsr-3429	83	4	significant	significant	ADJ
fsr-3429	83	5	positive	positive	ADJ
fsr-3429	83	6	effects	effect	NOUN
fsr-3429	83	7	of	of	ADP
fsr-3429	83	8	financial	financial	ADJ
fsr-3429	83	9	literacy	literacy	NOUN
fsr-3429	83	10	exposure	exposure	NOUN
fsr-3429	83	11	on	on	ADP
fsr-3429	83	12	increased	increase	VERB
fsr-3429	83	13	debt	debt	NOUN
fsr-3429	83	14	knowledge	knowledge	NOUN
fsr-3429	83	15	of	of	ADP
fsr-3429	83	16	youth	youth	NOUN
fsr-3429	83	17	—	—	PUNCT
fsr-3429	83	18	in	in	ADP
fsr-3429	83	19	that	that	SCONJ
fsr-3429	83	20	it	it	PRON
fsr-3429	83	21	increases	increase	VERB
fsr-3429	83	22	the	the	DET
fsr-3429	83	23	occurrence	occurrence	NOUN
fsr-3429	83	24	of	of	ADP
fsr-3429	83	25	credit	credit	NOUN
fsr-3429	83	26	reports	report	NOUN
fsr-3429	83	27	thus	thus	ADV
fsr-3429	83	28	inferring	infer	VERB
fsr-3429	83	29	an	an	DET
fsr-3429	83	30	understanding	understanding	NOUN
fsr-3429	83	31	of	of	ADP
fsr-3429	83	32	the	the	DET
fsr-3429	83	33	importance	importance	NOUN
fsr-3429	83	34	of	of	ADP
fsr-3429	83	35	building	build	VERB
fsr-3429	83	36	a	a	DET
fsr-3429	83	37	credit	credit	NOUN
fsr-3429	83	38	record	record	NOUN
fsr-3429	83	39	(	(	PUNCT
fsr-3429	83	40	brown	brown	PROPN
fsr-3429	83	41	et	et	PROPN
fsr-3429	83	42	al	al	PROPN
fsr-3429	83	43	,	,	PUNCT
fsr-3429	83	44	2016	2016	NUM
fsr-3429	83	45	)	)	PUNCT
fsr-3429	83	46	.	.	PUNCT
fsr-3429	84	1	furthermore	furthermore	ADV
fsr-3429	84	2	,	,	PUNCT
fsr-3429	84	3	for	for	ADP
fsr-3429	84	4	those	those	PRON
fsr-3429	84	5	who	who	PRON
fsr-3429	84	6	had	have	VERB
fsr-3429	84	7	a	a	DET
fsr-3429	84	8	credit	credit	NOUN
fsr-3429	84	9	report	report	NOUN
fsr-3429	84	10	,	,	PUNCT
fsr-3429	84	11	math	math	NOUN
fsr-3429	84	12	and	and	CCONJ
fsr-3429	84	13	financial	financial	ADJ
fsr-3429	84	14	literacy	literacy	NOUN
fsr-3429	84	15	reduced	reduce	VERB
fsr-3429	84	16	average	average	ADJ
fsr-3429	84	17	debt	debt	NOUN
fsr-3429	84	18	balances	balance	NOUN
fsr-3429	84	19	and	and	CCONJ
fsr-3429	84	20	the	the	DET
fsr-3429	84	21	likelihood	likelihood	NOUN
fsr-3429	84	22	of	of	ADP
fsr-3429	84	23	carrying	carry	VERB
fsr-3429	84	24	debt	debt	NOUN
fsr-3429	84	25	.	.	PUNCT
fsr-3429	85	1	the	the	DET
fsr-3429	85	2	net	net	ADJ
fsr-3429	85	3	effect	effect	NOUN
fsr-3429	85	4	of	of	ADP
fsr-3429	85	5	both	both	DET
fsr-3429	85	6	math	math	NOUN
fsr-3429	85	7	and	and	CCONJ
fsr-3429	85	8	financial	financial	ADJ
fsr-3429	85	9	literacy	literacy	NOUN
fsr-3429	85	10	education	education	NOUN
fsr-3429	85	11	was	be	AUX
fsr-3429	85	12	an	an	DET
fsr-3429	85	13	increase	increase	NOUN
fsr-3429	85	14	in	in	ADP
fsr-3429	85	15	average	average	ADJ
fsr-3429	85	16	creditworthiness	creditworthiness	NOUN
fsr-3429	85	17	.	.	PUNCT
fsr-3429	86	1	this	this	DET
fsr-3429	86	2	positive	positive	ADJ
fsr-3429	86	3	impact	impact	NOUN
fsr-3429	86	4	of	of	ADP
fsr-3429	86	5	mathematics	mathematic	NOUN
fsr-3429	86	6	education	education	NOUN
fsr-3429	86	7	is	be	AUX
fsr-3429	86	8	confirmed	confirm	VERB
fsr-3429	86	9	by	by	ADP
fsr-3429	86	10	goodman	goodman	PROPN
fsr-3429	86	11	(	(	PUNCT
fsr-3429	86	12	2009	2009	NUM
fsr-3429	86	13	)	)	PUNCT
fsr-3429	86	14	and	and	CCONJ
fsr-3429	86	15	cole	cole	PROPN
fsr-3429	86	16	et	et	PROPN
fsr-3429	86	17	al	al	PROPN
fsr-3429	86	18	.	.	PROPN
fsr-3429	87	1	(	(	PUNCT
fsr-3429	87	2	2013	2013	NUM
fsr-3429	87	3	)	)	PUNCT
fsr-3429	87	4	who	who	PRON
fsr-3429	87	5	show	show	VERB
fsr-3429	87	6	that	that	SCONJ
fsr-3429	87	7	students	student	NOUN
fsr-3429	87	8	exposed	expose	VERB
fsr-3429	87	9	to	to	ADP
fsr-3429	87	10	more	more	ADJ
fsr-3429	87	11	math	math	NOUN
fsr-3429	87	12	training	training	NOUN
fsr-3429	87	13	have	have	VERB
fsr-3429	87	14	higher	high	ADJ
fsr-3429	87	15	average	average	ADJ
fsr-3429	87	16	incomes	income	NOUN
fsr-3429	87	17	and	and	CCONJ
fsr-3429	87	18	savings	saving	NOUN
fsr-3429	87	19	.	.	PUNCT
fsr-3429	88	1	246	246	NUM
fsr-3429	88	2	g.d	g.d	NOUN
fsr-3429	88	3	.	.	PUNCT
fsr-3429	88	4	willows	willows	PROPN
fsr-3429	88	5	/	/	SYM
fsr-3429	88	6	financial	financial	ADJ
fsr-3429	88	7	services	service	NOUN
fsr-3429	88	8	review	review	VERB
fsr-3429	88	9	28	28	NUM
fsr-3429	88	10	(	(	PUNCT
fsr-3429	88	11	2020	2020	NUM
fsr-3429	88	12	)	)	PUNCT
fsr-3429	89	1	243–271	243–271	NUM
fsr-3429	89	2	less	less	ADV
fsr-3429	89	3	promising	promising	ADJ
fsr-3429	89	4	findings	finding	NOUN
fsr-3429	89	5	by	by	ADP
fsr-3429	89	6	brown	brown	PROPN
fsr-3429	89	7	et	et	PROPN
fsr-3429	89	8	al	al	PROPN
fsr-3429	89	9	.	.	PROPN
fsr-3429	90	1	(	(	PUNCT
fsr-3429	90	2	2016	2016	NUM
fsr-3429	90	3	)	)	PUNCT
fsr-3429	90	4	showed	show	VERB
fsr-3429	90	5	that	that	SCONJ
fsr-3429	90	6	economic	economic	ADJ
fsr-3429	90	7	education	education	NOUN
fsr-3429	90	8	resulted	result	VERB
fsr-3429	90	9	in	in	ADP
fsr-3429	90	10	increased	increase	VERB
fsr-3429	90	11	debt	debt	NOUN
fsr-3429	90	12	balances	balance	NOUN
fsr-3429	90	13	,	,	PUNCT
fsr-3429	90	14	specifically	specifically	ADV
fsr-3429	90	15	debt	debt	NOUN
fsr-3429	90	16	for	for	ADP
fsr-3429	90	17	the	the	DET
fsr-3429	90	18	purpose	purpose	NOUN
fsr-3429	90	19	of	of	ADP
fsr-3429	90	20	supporting	support	VERB
fsr-3429	90	21	consumption	consumption	NOUN
fsr-3429	90	22	.	.	PUNCT
fsr-3429	91	1	this	this	PRON
fsr-3429	91	2	suggests	suggest	VERB
fsr-3429	91	3	that	that	SCONJ
fsr-3429	91	4	while	while	SCONJ
fsr-3429	91	5	economics	economic	NOUN
fsr-3429	91	6	training	training	NOUN
fsr-3429	91	7	might	might	AUX
fsr-3429	91	8	clarify	clarify	VERB
fsr-3429	91	9	borrowing	borrowing	NOUN
fsr-3429	91	10	and	and	CCONJ
fsr-3429	91	11	credit	credit	NOUN
fsr-3429	91	12	markets	market	NOUN
fsr-3429	91	13	,	,	PUNCT
fsr-3429	91	14	it	it	PRON
fsr-3429	91	15	does	do	AUX
fsr-3429	91	16	not	not	PART
fsr-3429	91	17	improve	improve	VERB
fsr-3429	91	18	the	the	DET
fsr-3429	91	19	ability	ability	NOUN
fsr-3429	91	20	to	to	PART
fsr-3429	91	21	make	make	VERB
fsr-3429	91	22	appropriate	appropriate	ADJ
fsr-3429	91	23	financial	financial	ADJ
fsr-3429	91	24	decisions	decision	NOUN
fsr-3429	91	25	.	.	PUNCT
fsr-3429	92	1	these	these	DET
fsr-3429	92	2	results	result	NOUN
fsr-3429	92	3	suggest	suggest	VERB
fsr-3429	92	4	that	that	SCONJ
fsr-3429	92	5	financial	financial	ADJ
fsr-3429	92	6	education	education	NOUN
fsr-3429	92	7	programs	program	NOUN
fsr-3429	92	8	might	might	AUX
fsr-3429	92	9	have	have	VERB
fsr-3429	92	10	a	a	DET
fsr-3429	92	11	significant	significant	ADJ
fsr-3429	92	12	impact	impact	NOUN
fsr-3429	92	13	on	on	ADP
fsr-3429	92	14	the	the	DET
fsr-3429	92	15	financial	financial	ADJ
fsr-3429	92	16	decision	decision	NOUN
fsr-3429	92	17	-	-	PUNCT
fsr-3429	92	18	making	making	NOUN
fsr-3429	92	19	of	of	ADP
fsr-3429	92	20	youth	youth	NOUN
fsr-3429	92	21	.	.	PUNCT
fsr-3429	93	1	however	however	ADV
fsr-3429	93	2	,	,	PUNCT
fsr-3429	93	3	the	the	DET
fsr-3429	93	4	content	content	NOUN
fsr-3429	93	5	of	of	ADP
fsr-3429	93	6	these	these	DET
fsr-3429	93	7	programs	program	NOUN
fsr-3429	93	8	should	should	AUX
fsr-3429	93	9	be	be	AUX
fsr-3429	93	10	carefully	carefully	ADV
fsr-3429	93	11	constructed	construct	VERB
fsr-3429	93	12	.	.	PUNCT
fsr-3429	94	1	there	there	PRON
fsr-3429	94	2	appears	appear	VERB
fsr-3429	94	3	to	to	PART
fsr-3429	94	4	be	be	AUX
fsr-3429	94	5	different	different	ADJ
fsr-3429	94	6	roles	role	NOUN
fsr-3429	94	7	for	for	ADP
fsr-3429	94	8	different	different	ADJ
fsr-3429	94	9	types	type	NOUN
fsr-3429	94	10	of	of	ADP
fsr-3429	94	11	quantitative	quantitative	ADJ
fsr-3429	94	12	education	education	NOUN
fsr-3429	94	13	in	in	ADP
fsr-3429	94	14	influencing	influence	VERB
fsr-3429	94	15	young	young	ADJ
fsr-3429	94	16	adults	adult	NOUN
fsr-3429	94	17	’	'	PUNCT
fsr-3429	94	18	debt	debt	NOUN
fsr-3429	94	19	experiences	experience	NOUN
fsr-3429	94	20	.	.	PUNCT
fsr-3429	95	1	brown	brown	PROPN
fsr-3429	95	2	et	et	PROPN
fsr-3429	95	3	al	al	PROPN
fsr-3429	95	4	.	.	PROPN
fsr-3429	96	1	(	(	PUNCT
fsr-3429	96	2	2016	2016	NUM
fsr-3429	96	3	)	)	PUNCT
fsr-3429	96	4	do	do	AUX
fsr-3429	96	5	acknowledge	acknowledge	VERB
fsr-3429	96	6	a	a	DET
fsr-3429	96	7	shortcoming	shortcoming	NOUN
fsr-3429	96	8	in	in	ADP
fsr-3429	96	9	the	the	DET
fsr-3429	96	10	research	research	NOUN
fsr-3429	96	11	in	in	ADP
fsr-3429	96	12	that	that	SCONJ
fsr-3429	96	13	they	they	PRON
fsr-3429	96	14	were	be	AUX
fsr-3429	96	15	unable	unable	ADJ
fsr-3429	96	16	to	to	PART
fsr-3429	96	17	disassociate	disassociate	VERB
fsr-3429	96	18	effects	effect	NOUN
fsr-3429	96	19	by	by	ADP
fsr-3429	96	20	demographics	demographic	NOUN
fsr-3429	96	21	.	.	PUNCT
fsr-3429	97	1	this	this	PRON
fsr-3429	97	2	provides	provide	VERB
fsr-3429	97	3	impetus	impetus	NOUN
fsr-3429	97	4	for	for	ADP
fsr-3429	97	5	the	the	DET
fsr-3429	97	6	research	research	NOUN
fsr-3429	97	7	that	that	SCONJ
fsr-3429	97	8	this	this	DET
fsr-3429	97	9	paper	paper	NOUN
fsr-3429	97	10	is	be	AUX
fsr-3429	97	11	attempting	attempt	VERB
fsr-3429	97	12	which	which	PRON
fsr-3429	97	13	controls	control	VERB
fsr-3429	97	14	for	for	ADP
fsr-3429	97	15	the	the	DET
fsr-3429	97	16	socioeconomic	socioeconomic	ADJ
fsr-3429	97	17	breakdown	breakdown	NOUN
fsr-3429	97	18	of	of	ADP
fsr-3429	97	19	respondents	respondent	NOUN
fsr-3429	97	20	.	.	PUNCT
fsr-3429	98	1	a	a	DET
fsr-3429	98	2	further	further	ADJ
fsr-3429	98	3	natural	natural	ADJ
fsr-3429	98	4	experiment	experiment	NOUN
fsr-3429	98	5	looked	look	VERB
fsr-3429	98	6	at	at	ADP
fsr-3429	98	7	the	the	DET
fsr-3429	98	8	effect	effect	NOUN
fsr-3429	98	9	of	of	ADP
fsr-3429	98	10	a	a	DET
fsr-3429	98	11	mandatory	mandatory	ADJ
fsr-3429	98	12	eight	eight	NUM
fsr-3429	98	13	-	-	PUNCT
fsr-3429	98	14	hour	hour	NOUN
fsr-3429	98	15	personal	personal	ADJ
fsr-3429	98	16	financial	financial	ADJ
fsr-3429	98	17	management	management	NOUN
fsr-3429	98	18	course	course	NOUN
fsr-3429	98	19	(	(	PUNCT
fsr-3429	98	20	pfmc	pfmc	ADV
fsr-3429	98	21	)	)	PUNCT
fsr-3429	98	22	on	on	ADP
fsr-3429	98	23	newly	newly	ADV
fsr-3429	98	24	enlisted	enlist	VERB
fsr-3429	98	25	soldiers	soldier	NOUN
fsr-3429	98	26	in	in	ADP
fsr-3429	98	27	the	the	DET
fsr-3429	98	28	u.s	u.s	PROPN
fsr-3429	98	29	.	.	PROPN
fsr-3429	98	30	army	army	PROPN
fsr-3429	98	31	(	(	PUNCT
fsr-3429	98	32	skimmyhorn	skimmyhorn	PROPN
fsr-3429	98	33	,	,	PUNCT
fsr-3429	98	34	2016	2016	NUM
fsr-3429	98	35	)	)	PUNCT
fsr-3429	98	36	.	.	PUNCT
fsr-3429	99	1	the	the	DET
fsr-3429	99	2	pfmc	pfmc	NOUN
fsr-3429	99	3	covered	cover	VERB
fsr-3429	99	4	principles	principle	NOUN
fsr-3429	99	5	(	(	PUNCT
fsr-3429	99	6	e.g.	e.g.	ADV
fsr-3429	99	7	,	,	PUNCT
fsr-3429	99	8	the	the	DET
fsr-3429	99	9	time	time	NOUN
fsr-3429	99	10	value	value	NOUN
fsr-3429	99	11	of	of	ADP
fsr-3429	99	12	money	money	NOUN
fsr-3429	99	13	)	)	PUNCT
fsr-3429	99	14	,	,	PUNCT
fsr-3429	99	15	rules	rule	NOUN
fsr-3429	99	16	of	of	ADP
fsr-3429	99	17	thumb	thumb	NOUN
fsr-3429	99	18	(	(	PUNCT
fsr-3429	99	19	e.g.	e.g.	ADV
fsr-3429	99	20	,	,	PUNCT
fsr-3429	99	21	how	how	SCONJ
fsr-3429	99	22	to	to	PART
fsr-3429	99	23	obtain	obtain	VERB
fsr-3429	99	24	a	a	DET
fsr-3429	99	25	copy	copy	NOUN
fsr-3429	99	26	of	of	ADP
fsr-3429	99	27	your	your	PRON
fsr-3429	99	28	credit	credit	NOUN
fsr-3429	99	29	report	report	NOUN
fsr-3429	99	30	)	)	PUNCT
fsr-3429	99	31	,	,	PUNCT
fsr-3429	99	32	and	and	CCONJ
fsr-3429	99	33	the	the	DET
fsr-3429	99	34	financial	financial	ADJ
fsr-3429	99	35	decisions	decision	NOUN
fsr-3429	99	36	young	young	ADJ
fsr-3429	99	37	workers	worker	NOUN
fsr-3429	99	38	are	be	AUX
fsr-3429	99	39	most	most	ADV
fsr-3429	99	40	likely	likely	ADJ
fsr-3429	99	41	to	to	PART
fsr-3429	99	42	face	face	VERB
fsr-3429	99	43	(	(	PUNCT
fsr-3429	99	44	e.g.	e.g.	ADV
fsr-3429	99	45	,	,	PUNCT
fsr-3429	99	46	buying	buy	VERB
fsr-3429	99	47	a	a	DET
fsr-3429	99	48	car	car	NOUN
fsr-3429	99	49	)	)	PUNCT
fsr-3429	99	50	.	.	PUNCT
fsr-3429	100	1	attendance	attendance	NOUN
fsr-3429	100	2	at	at	ADP
fsr-3429	100	3	the	the	DET
fsr-3429	100	4	course	course	NOUN
fsr-3429	100	5	succeeded	succeed	VERB
fsr-3429	100	6	in	in	ADP
fsr-3429	100	7	increasing	increase	VERB
fsr-3429	100	8	average	average	ADJ
fsr-3429	100	9	monthly	monthly	ADJ
fsr-3429	100	10	contributions	contribution	NOUN
fsr-3429	100	11	and	and	CCONJ
fsr-3429	100	12	retirement	retirement	NOUN
fsr-3429	100	13	savings	saving	NOUN
fsr-3429	100	14	rates	rate	NOUN
fsr-3429	100	15	,	,	PUNCT
fsr-3429	100	16	the	the	DET
fsr-3429	100	17	effect	effect	NOUN
fsr-3429	100	18	of	of	ADP
fsr-3429	100	19	which	which	PRON
fsr-3429	100	20	lasted	last	VERB
fsr-3429	100	21	at	at	ADV
fsr-3429	100	22	least	least	ADV
fsr-3429	100	23	two	two	NUM
fsr-3429	100	24	years	year	NOUN
fsr-3429	100	25	.	.	PUNCT
fsr-3429	101	1	furthermore	furthermore	ADV
fsr-3429	101	2	,	,	PUNCT
fsr-3429	101	3	the	the	DET
fsr-3429	101	4	probability	probability	NOUN
fsr-3429	101	5	of	of	ADP
fsr-3429	101	6	having	have	VERB
fsr-3429	101	7	adverse	adverse	ADJ
fsr-3429	101	8	legal	legal	ADJ
fsr-3429	101	9	actions	action	NOUN
fsr-3429	101	10	or	or	CCONJ
fsr-3429	101	11	delinquencies	delinquency	NOUN
fsr-3429	101	12	in	in	ADP
fsr-3429	101	13	the	the	DET
fsr-3429	101	14	first	first	ADJ
fsr-3429	101	15	year	year	NOUN
fsr-3429	101	16	after	after	SCONJ
fsr-3429	101	17	the	the	DET
fsr-3429	101	18	course	course	NOUN
fsr-3429	101	19	was	be	AUX
fsr-3429	101	20	reduced	reduce	VERB
fsr-3429	101	21	.	.	PUNCT
fsr-3429	102	1	however	however	ADV
fsr-3429	102	2	,	,	PUNCT
fsr-3429	102	3	this	this	DET
fsr-3429	102	4	effect	effect	NOUN
fsr-3429	102	5	did	do	AUX
fsr-3429	102	6	not	not	PART
fsr-3429	102	7	hold	hold	VERB
fsr-3429	102	8	in	in	ADP
fsr-3429	102	9	the	the	DET
fsr-3429	102	10	second	second	ADJ
fsr-3429	102	11	year	year	NOUN
fsr-3429	102	12	.	.	PUNCT
fsr-3429	103	1	these	these	DET
fsr-3429	103	2	results	result	NOUN
fsr-3429	103	3	are	be	AUX
fsr-3429	103	4	somewhat	somewhat	ADV
fsr-3429	103	5	contrary	contrary	ADJ
fsr-3429	103	6	to	to	ADP
fsr-3429	103	7	brown	brown	PROPN
fsr-3429	103	8	et	et	PROPN
fsr-3429	103	9	al	al	PROPN
fsr-3429	103	10	.	.	PUNCT
fsr-3429	104	1	(	(	PUNCT
fsr-3429	104	2	2016	2016	NUM
fsr-3429	104	3	)	)	PUNCT
fsr-3429	104	4	.	.	PUNCT
fsr-3429	105	1	potential	potential	ADJ
fsr-3429	105	2	explanations	explanation	NOUN
fsr-3429	105	3	could	could	AUX
fsr-3429	105	4	be	be	AUX
fsr-3429	105	5	that	that	PRON
fsr-3429	105	6	brown	brown	PROPN
fsr-3429	105	7	et	et	PROPN
fsr-3429	105	8	al	al	PROPN
fsr-3429	105	9	.	.	PROPN
fsr-3429	106	1	(	(	PUNCT
fsr-3429	106	2	2016	2016	NUM
fsr-3429	106	3	)	)	PUNCT
fsr-3429	106	4	focused	focus	VERB
fsr-3429	106	5	on	on	ADP
fsr-3429	106	6	the	the	DET
fsr-3429	106	7	decision	decision	NOUN
fsr-3429	106	8	’s	’s	PART
fsr-3429	106	9	youth	youth	NOUN
fsr-3429	106	10	make	make	VERB
fsr-3429	106	11	shortly	shortly	ADV
fsr-3429	106	12	after	after	ADP
fsr-3429	106	13	leaving	leave	VERB
fsr-3429	106	14	high	high	ADJ
fsr-3429	106	15	school	school	NOUN
fsr-3429	106	16	.	.	PUNCT
fsr-3429	107	1	skimmyhorn	skimmyhorn	VERB
fsr-3429	107	2	(	(	PUNCT
fsr-3429	107	3	2016	2016	NUM
fsr-3429	107	4	)	)	PUNCT
fsr-3429	107	5	present	present	ADJ
fsr-3429	107	6	several	several	ADJ
fsr-3429	107	7	reasons	reason	NOUN
fsr-3429	107	8	explaining	explain	VERB
fsr-3429	107	9	the	the	DET
fsr-3429	107	10	success	success	NOUN
fsr-3429	107	11	of	of	ADP
fsr-3429	107	12	the	the	DET
fsr-3429	107	13	pfmc	pfmc	NOUN
fsr-3429	107	14	.	.	PUNCT
fsr-3429	108	1	for	for	ADP
fsr-3429	108	2	one	one	NUM
fsr-3429	108	3	,	,	PUNCT
fsr-3429	108	4	the	the	DET
fsr-3429	108	5	course	course	NOUN
fsr-3429	108	6	is	be	AUX
fsr-3429	108	7	well	well	ADV
fsr-3429	108	8	-	-	PUNCT
fsr-3429	108	9	timed	time	VERB
fsr-3429	108	10	for	for	ADP
fsr-3429	108	11	individuals	individual	NOUN
fsr-3429	108	12	who	who	PRON
fsr-3429	108	13	are	be	AUX
fsr-3429	108	14	becoming	become	VERB
fsr-3429	108	15	increasingly	increasingly	ADV
fsr-3429	108	16	responsible	responsible	ADJ
fsr-3429	108	17	for	for	ADP
fsr-3429	108	18	their	their	PRON
fsr-3429	108	19	own	own	ADJ
fsr-3429	108	20	financial	financial	ADJ
fsr-3429	108	21	wealth	wealth	NOUN
fsr-3429	108	22	.	.	PUNCT
fsr-3429	109	1	second	second	ADJ
fsr-3429	109	2	,	,	PUNCT
fsr-3429	109	3	the	the	DET
fsr-3429	109	4	course	course	NOUN
fsr-3429	109	5	has	have	VERB
fsr-3429	109	6	a	a	DET
fsr-3429	109	7	focused	focused	ADJ
fsr-3429	109	8	curriculum	curriculum	NOUN
fsr-3429	109	9	which	which	PRON
fsr-3429	109	10	covers	cover	VERB
fsr-3429	109	11	only	only	ADV
fsr-3429	109	12	the	the	DET
fsr-3429	109	13	most	most	ADV
fsr-3429	109	14	relevant	relevant	ADJ
fsr-3429	109	15	topics	topic	NOUN
fsr-3429	109	16	for	for	ADP
fsr-3429	109	17	its	its	PRON
fsr-3429	109	18	cohort	cohort	NOUN
fsr-3429	109	19	of	of	ADP
fsr-3429	109	20	students	student	NOUN
fsr-3429	109	21	.	.	PUNCT
fsr-3429	110	1	finally	finally	ADV
fsr-3429	110	2	,	,	PUNCT
fsr-3429	110	3	the	the	DET
fsr-3429	110	4	course	course	NOUN
fsr-3429	110	5	offers	offer	VERB
fsr-3429	110	6	tailored	tailored	ADJ
fsr-3429	110	7	advice	advice	NOUN
fsr-3429	110	8	(	(	PUNCT
fsr-3429	110	9	e.g.	e.g.	ADV
fsr-3429	110	10	,	,	PUNCT
fsr-3429	110	11	use	use	VERB
fsr-3429	110	12	credit	credit	NOUN
fsr-3429	110	13	when	when	SCONJ
fsr-3429	110	14	purchasing	purchase	VERB
fsr-3429	110	15	assets	asset	NOUN
fsr-3429	110	16	not	not	PART
fsr-3429	110	17	consumables	consumable	NOUN
fsr-3429	110	18	)	)	PUNCT
fsr-3429	110	19	rather	rather	ADV
fsr-3429	110	20	than	than	ADP
fsr-3429	110	21	broad	broad	ADJ
fsr-3429	110	22	principles	principle	NOUN
fsr-3429	110	23	(	(	PUNCT
fsr-3429	110	24	e.g.	e.g.	ADV
fsr-3429	110	25	,	,	PUNCT
fsr-3429	110	26	how	how	SCONJ
fsr-3429	110	27	to	to	PART
fsr-3429	110	28	prepare	prepare	VERB
fsr-3429	110	29	a	a	DET
fsr-3429	110	30	net	net	ADJ
fsr-3429	110	31	-	-	PUNCT
fsr-3429	110	32	present	present	ADJ
fsr-3429	110	33	-	-	PUNCT
fsr-3429	110	34	value	value	NOUN
fsr-3429	110	35	calculation	calculation	NOUN
fsr-3429	110	36	)	)	PUNCT
fsr-3429	110	37	,	,	PUNCT
fsr-3429	110	38	which	which	PRON
fsr-3429	110	39	helps	help	VERB
fsr-3429	110	40	maintain	maintain	VERB
fsr-3429	110	41	the	the	DET
fsr-3429	110	42	students	student	NOUN
fsr-3429	110	43	’	’	PART
fsr-3429	110	44	attention	attention	NOUN
fsr-3429	110	45	and	and	CCONJ
fsr-3429	110	46	interest	interest	NOUN
fsr-3429	110	47	.	.	PUNCT
fsr-3429	111	1	another	another	DET
fsr-3429	111	2	notable	notable	ADJ
fsr-3429	111	3	financial	financial	ADJ
fsr-3429	111	4	education	education	NOUN
fsr-3429	111	5	intervention	intervention	NOUN
fsr-3429	111	6	is	be	AUX
fsr-3429	111	7	the	the	DET
fsr-3429	111	8	supplemented	supplement	VERB
fsr-3429	111	9	high	high	ADJ
fsr-3429	111	10	-	-	PUNCT
fsr-3429	111	11	school	school	NOUN
fsr-3429	111	12	curriculum	curriculum	NOUN
fsr-3429	111	13	in	in	ADP
fsr-3429	111	14	brazil	brazil	PROPN
fsr-3429	111	15	.	.	PUNCT
fsr-3429	112	1	using	use	VERB
fsr-3429	112	2	a	a	DET
fsr-3429	112	3	randomized	randomized	ADJ
fsr-3429	112	4	control	control	NOUN
fsr-3429	112	5	trial	trial	NOUN
fsr-3429	112	6	,	,	PUNCT
fsr-3429	112	7	bruhn	bruhn	NOUN
fsr-3429	112	8	et	et	PROPN
fsr-3429	112	9	al	al	PROPN
fsr-3429	112	10	.	.	PROPN
fsr-3429	113	1	(	(	PUNCT
fsr-3429	113	2	2016	2016	NUM
fsr-3429	113	3	)	)	PUNCT
fsr-3429	113	4	studied	study	VERB
fsr-3429	113	5	the	the	DET
fsr-3429	113	6	impact	impact	NOUN
fsr-3429	113	7	of	of	ADP
fsr-3429	113	8	this	this	DET
fsr-3429	113	9	comprehensive	comprehensive	ADJ
fsr-3429	113	10	financial	financial	ADJ
fsr-3429	113	11	education	education	NOUN
fsr-3429	113	12	program	program	NOUN
fsr-3429	113	13	in	in	ADP
fsr-3429	113	14	six	six	NUM
fsr-3429	113	15	states	state	NOUN
fsr-3429	113	16	,	,	PUNCT
fsr-3429	113	17	868	868	NUM
fsr-3429	113	18	schools	school	NOUN
fsr-3429	113	19	,	,	PUNCT
fsr-3429	113	20	and	and	CCONJ
fsr-3429	113	21	approximately	approximately	ADV
fsr-3429	113	22	20,000	20,000	NUM
fsr-3429	113	23	high	high	ADJ
fsr-3429	113	24	school	school	NOUN
fsr-3429	113	25	students	student	NOUN
fsr-3429	113	26	in	in	ADP
fsr-3429	113	27	brazil	brazil	PROPN
fsr-3429	113	28	.	.	PUNCT
fsr-3429	114	1	the	the	DET
fsr-3429	114	2	program	program	NOUN
fsr-3429	114	3	used	use	VERB
fsr-3429	114	4	new	new	ADJ
fsr-3429	114	5	textbooks	textbook	NOUN
fsr-3429	114	6	with	with	ADP
fsr-3429	114	7	interactive	interactive	ADJ
fsr-3429	114	8	classroom	classroom	NOUN
fsr-3429	114	9	exercises	exercise	NOUN
fsr-3429	114	10	,	,	PUNCT
fsr-3429	114	11	practical	practical	ADJ
fsr-3429	114	12	homework	homework	NOUN
fsr-3429	114	13	(	(	PUNCT
fsr-3429	114	14	e.g.	e.g.	ADV
fsr-3429	114	15	,	,	PUNCT
fsr-3429	114	16	creating	create	VERB
fsr-3429	114	17	a	a	DET
fsr-3429	114	18	household	household	NOUN
fsr-3429	114	19	budget	budget	NOUN
fsr-3429	114	20	with	with	ADP
fsr-3429	114	21	parents	parent	NOUN
fsr-3429	114	22	)	)	PUNCT
fsr-3429	114	23	,	,	PUNCT
fsr-3429	114	24	and	and	CCONJ
fsr-3429	114	25	relevant	relevant	ADJ
fsr-3429	114	26	role	role	NOUN
fsr-3429	114	27	-	-	PUNCT
fsr-3429	114	28	playing	play	VERB
fsr-3429	114	29	exercises	exercise	NOUN
fsr-3429	114	30	.	.	PUNCT
fsr-3429	115	1	teachers	teacher	NOUN
fsr-3429	115	2	were	be	AUX
fsr-3429	115	3	supported	support	VERB
fsr-3429	115	4	with	with	ADP
fsr-3429	115	5	training	training	NOUN
fsr-3429	115	6	,	,	PUNCT
fsr-3429	115	7	instructor	instructor	NOUN
fsr-3429	115	8	handbooks	handbook	NOUN
fsr-3429	115	9	,	,	PUNCT
fsr-3429	115	10	and	and	CCONJ
fsr-3429	115	11	internet	internet	NOUN
fsr-3429	115	12	-	-	PUNCT
fsr-3429	115	13	based	base	VERB
fsr-3429	115	14	learning	learning	NOUN
fsr-3429	115	15	tools	tool	NOUN
fsr-3429	115	16	.	.	PUNCT
fsr-3429	116	1	the	the	DET
fsr-3429	116	2	program	program	NOUN
fsr-3429	116	3	increased	increase	VERB
fsr-3429	116	4	the	the	DET
fsr-3429	116	5	financial	financial	ADJ
fsr-3429	116	6	knowledge	knowledge	NOUN
fsr-3429	116	7	of	of	ADP
fsr-3429	116	8	the	the	DET
fsr-3429	116	9	students	student	NOUN
fsr-3429	116	10	that	that	PRON
fsr-3429	116	11	led	lead	VERB
fsr-3429	116	12	to	to	ADP
fsr-3429	116	13	an	an	DET
fsr-3429	116	14	increase	increase	NOUN
fsr-3429	116	15	in	in	ADP
fsr-3429	116	16	saving	save	VERB
fsr-3429	116	17	for	for	ADP
fsr-3429	116	18	purchases	purchase	NOUN
fsr-3429	116	19	,	,	PUNCT
fsr-3429	116	20	a	a	DET
fsr-3429	116	21	greater	great	ADJ
fsr-3429	116	22	likelihood	likelihood	NOUN
fsr-3429	116	23	of	of	ADP
fsr-3429	116	24	financial	financial	ADJ
fsr-3429	116	25	planning	planning	NOUN
fsr-3429	116	26	,	,	PUNCT
fsr-3429	116	27	and	and	CCONJ
fsr-3429	116	28	greater	great	ADJ
fsr-3429	116	29	participation	participation	NOUN
fsr-3429	116	30	of	of	ADP
fsr-3429	116	31	students	student	NOUN
fsr-3429	116	32	in	in	ADP
fsr-3429	116	33	household	household	NOUN
fsr-3429	116	34	financial	financial	ADJ
fsr-3429	116	35	decisions	decision	NOUN
fsr-3429	116	36	.	.	PUNCT
fsr-3429	117	1	positive	positive	ADJ
fsr-3429	117	2	effects	effect	NOUN
fsr-3429	117	3	were	be	AUX
fsr-3429	117	4	also	also	ADV
fsr-3429	117	5	noted	note	VERB
fsr-3429	117	6	on	on	ADP
fsr-3429	117	7	students	student	NOUN
fsr-3429	117	8	’	'	PUNCT
fsr-3429	117	9	intertemporal	intertemporal	ADJ
fsr-3429	117	10	preferences	preference	NOUN
fsr-3429	117	11	and	and	CCONJ
fsr-3429	117	12	attitudes	attitude	NOUN
fsr-3429	117	13	.	.	PUNCT
fsr-3429	118	1	furthermore	furthermore	ADV
fsr-3429	118	2	,	,	PUNCT
fsr-3429	118	3	there	there	PRON
fsr-3429	118	4	was	be	VERB
fsr-3429	118	5	evidence	evidence	NOUN
fsr-3429	118	6	of	of	ADP
fsr-3429	118	7	“	"	PUNCT
fsr-3429	118	8	trickle	trickle	VERB
fsr-3429	118	9	-	-	PUNCT
fsr-3429	118	10	up	up	NOUN
fsr-3429	118	11	”	"	PUNCT
fsr-3429	118	12	whereby	whereby	SCONJ
fsr-3429	118	13	the	the	DET
fsr-3429	118	14	parents	parent	NOUN
fsr-3429	118	15	of	of	ADP
fsr-3429	118	16	these	these	DET
fsr-3429	118	17	students	student	NOUN
fsr-3429	118	18	also	also	ADV
fsr-3429	118	19	showed	show	VERB
fsr-3429	118	20	improved	improved	ADJ
fsr-3429	118	21	financial	financial	ADJ
fsr-3429	118	22	knowledge	knowledge	NOUN
fsr-3429	118	23	,	,	PUNCT
fsr-3429	118	24	saving	saving	NOUN
fsr-3429	118	25	,	,	PUNCT
fsr-3429	118	26	and	and	CCONJ
fsr-3429	118	27	spending	spending	NOUN
fsr-3429	118	28	behavior	behavior	NOUN
fsr-3429	118	29	(	(	PUNCT
fsr-3429	118	30	bruhn	bruhn	NOUN
fsr-3429	118	31	et	et	PROPN
fsr-3429	118	32	al	al	PROPN
fsr-3429	118	33	,	,	PUNCT
fsr-3429	118	34	2016	2016	NUM
fsr-3429	118	35	)	)	PUNCT
fsr-3429	118	36	.	.	PUNCT
fsr-3429	119	1	these	these	DET
fsr-3429	119	2	results	result	NOUN
fsr-3429	119	3	suggest	suggest	VERB
fsr-3429	119	4	that	that	SCONJ
fsr-3429	119	5	financial	financial	ADJ
fsr-3429	119	6	education	education	NOUN
fsr-3429	119	7	might	might	AUX
fsr-3429	119	8	be	be	AUX
fsr-3429	119	9	a	a	DET
fsr-3429	119	10	valuable	valuable	ADJ
fsr-3429	119	11	complement	complement	NOUN
fsr-3429	119	12	to	to	ADP
fsr-3429	119	13	the	the	DET
fsr-3429	119	14	typical	typical	ADJ
fsr-3429	119	15	high	high	ADJ
fsr-3429	119	16	-	-	PUNCT
fsr-3429	119	17	school	school	NOUN
fsr-3429	119	18	curriculum	curriculum	NOUN
fsr-3429	119	19	.	.	PUNCT
fsr-3429	120	1	however	however	ADV
fsr-3429	120	2	,	,	PUNCT
fsr-3429	120	3	such	such	ADJ
fsr-3429	120	4	education	education	NOUN
fsr-3429	120	5	requires	require	VERB
fsr-3429	120	6	greater	great	ADJ
fsr-3429	120	7	intensity	intensity	NOUN
fsr-3429	120	8	than	than	ADP
fsr-3429	120	9	that	that	PRON
fsr-3429	120	10	which	which	PRON
fsr-3429	120	11	is	be	AUX
fsr-3429	120	12	seen	see	VERB
fsr-3429	120	13	in	in	ADP
fsr-3429	120	14	characteristic	characteristic	ADJ
fsr-3429	120	15	once	once	ADV
fsr-3429	120	16	-	-	PUNCT
fsr-3429	120	17	off	off	ADP
fsr-3429	120	18	financial	financial	ADJ
fsr-3429	120	19	education	education	NOUN
fsr-3429	120	20	training	training	NOUN
fsr-3429	120	21	.	.	PUNCT
fsr-3429	121	1	g.d	g.d	NOUN
fsr-3429	121	2	.	.	PROPN
fsr-3429	121	3	willows	willows	PROPN
fsr-3429	121	4	/	/	SYM
fsr-3429	121	5	financial	financial	ADJ
fsr-3429	121	6	services	service	NOUN
fsr-3429	121	7	review	review	VERB
fsr-3429	121	8	28	28	NUM
fsr-3429	121	9	(	(	PUNCT
fsr-3429	121	10	2020	2020	NUM
fsr-3429	121	11	)	)	PUNCT
fsr-3429	122	1	243–271	243–271	NUM
fsr-3429	122	2	247	247	NUM
fsr-3429	122	3	a	a	DET
fsr-3429	122	4	final	final	ADJ
fsr-3429	122	5	meta	meta	NOUN
fsr-3429	122	6	-	-	PUNCT
fsr-3429	122	7	analysis	analysis	NOUN
fsr-3429	122	8	of	of	ADP
fsr-3429	122	9	the	the	DET
fsr-3429	122	10	relationship	relationship	NOUN
fsr-3429	122	11	of	of	ADP
fsr-3429	122	12	financial	financial	ADJ
fsr-3429	122	13	literacy	literacy	NOUN
fsr-3429	122	14	and	and	CCONJ
fsr-3429	122	15	education	education	NOUN
fsr-3429	122	16	on	on	ADP
fsr-3429	122	17	financial	financial	ADJ
fsr-3429	122	18	behavior	behavior	NOUN
fsr-3429	122	19	was	be	AUX
fsr-3429	122	20	performed	perform	VERB
fsr-3429	122	21	by	by	ADP
fsr-3429	122	22	fernandes	fernande	NOUN
fsr-3429	122	23	et	et	PROPN
fsr-3429	122	24	al	al	PROPN
fsr-3429	122	25	.	.	PROPN
fsr-3429	123	1	(	(	PUNCT
fsr-3429	123	2	2014	2014	NUM
fsr-3429	123	3	)	)	PUNCT
fsr-3429	123	4	across	across	ADP
fsr-3429	123	5	201	201	NUM
fsr-3429	123	6	prior	prior	ADJ
fsr-3429	123	7	studies	study	NOUN
fsr-3429	123	8	.	.	PUNCT
fsr-3429	124	1	the	the	DET
fsr-3429	124	2	results	result	NOUN
fsr-3429	124	3	showed	show	VERB
fsr-3429	124	4	that	that	SCONJ
fsr-3429	124	5	interventions	intervention	NOUN
fsr-3429	124	6	to	to	PART
fsr-3429	124	7	improve	improve	VERB
fsr-3429	124	8	financial	financial	ADJ
fsr-3429	124	9	literacy	literacy	NOUN
fsr-3429	124	10	explained	explain	VERB
fsr-3429	124	11	only	only	ADV
fsr-3429	124	12	0.1	0.1	NUM
fsr-3429	124	13	%	%	NOUN
fsr-3429	124	14	of	of	ADP
fsr-3429	124	15	the	the	DET
fsr-3429	124	16	variance	variance	NOUN
fsr-3429	124	17	in	in	ADP
fsr-3429	124	18	the	the	DET
fsr-3429	124	19	financial	financial	ADJ
fsr-3429	124	20	behaviors	behavior	NOUN
fsr-3429	124	21	studies	study	NOUN
fsr-3429	124	22	.	.	PUNCT
fsr-3429	125	1	additionally	additionally	ADV
fsr-3429	125	2	,	,	PUNCT
fsr-3429	125	3	financial	financial	ADJ
fsr-3429	125	4	education	education	NOUN
fsr-3429	125	5	deteriorated	deteriorate	VERB
fsr-3429	125	6	over	over	ADP
fsr-3429	125	7	time	time	NOUN
fsr-3429	125	8	.	.	PUNCT
fsr-3429	126	1	also	also	ADV
fsr-3429	126	2	,	,	PUNCT
fsr-3429	126	3	the	the	DET
fsr-3429	126	4	effects	effect	NOUN
fsr-3429	126	5	of	of	ADP
fsr-3429	126	6	financial	financial	ADJ
fsr-3429	126	7	literacy	literacy	NOUN
fsr-3429	126	8	reduce	reduce	VERB
fsr-3429	126	9	when	when	SCONJ
fsr-3429	126	10	controlling	control	VERB
fsr-3429	126	11	for	for	ADP
fsr-3429	126	12	certain	certain	ADJ
fsr-3429	126	13	psychological	psychological	ADJ
fsr-3429	126	14	traits	trait	NOUN
fsr-3429	126	15	that	that	PRON
fsr-3429	126	16	were	be	AUX
fsr-3429	126	17	omitted	omit	VERB
fsr-3429	126	18	in	in	ADP
fsr-3429	126	19	the	the	DET
fsr-3429	126	20	prior	prior	ADJ
fsr-3429	126	21	studies	study	NOUN
fsr-3429	126	22	investigated	investigate	VERB
fsr-3429	126	23	.	.	PUNCT
fsr-3429	127	1	this	this	PRON
fsr-3429	127	2	emphasizes	emphasize	VERB
fsr-3429	127	3	the	the	DET
fsr-3429	127	4	need	need	NOUN
fsr-3429	127	5	for	for	ADP
fsr-3429	127	6	further	further	ADJ
fsr-3429	127	7	research	research	NOUN
fsr-3429	127	8	in	in	ADP
fsr-3429	127	9	the	the	DET
fsr-3429	127	10	field	field	NOUN
fsr-3429	127	11	of	of	ADP
fsr-3429	127	12	financial	financial	ADJ
fsr-3429	127	13	literacy	literacy	NOUN
fsr-3429	127	14	to	to	PART
fsr-3429	127	15	control	control	VERB
fsr-3429	127	16	for	for	ADP
fsr-3429	127	17	these	these	DET
fsr-3429	127	18	psychological	psychological	ADJ
fsr-3429	127	19	traits	trait	NOUN
fsr-3429	127	20	.	.	PUNCT
fsr-3429	128	1	this	this	PRON
fsr-3429	128	2	will	will	AUX
fsr-3429	128	3	be	be	AUX
fsr-3429	128	4	considered	consider	VERB
fsr-3429	128	5	in	in	ADP
fsr-3429	128	6	this	this	DET
fsr-3429	128	7	article	article	NOUN
fsr-3429	128	8	.	.	PUNCT
fsr-3429	129	1	building	build	VERB
fsr-3429	129	2	the	the	DET
fsr-3429	129	3	case	case	NOUN
fsr-3429	129	4	on	on	ADP
fsr-3429	129	5	the	the	DET
fsr-3429	129	6	importance	importance	NOUN
fsr-3429	129	7	of	of	ADP
fsr-3429	129	8	psychological	psychological	ADJ
fsr-3429	129	9	traits	trait	NOUN
fsr-3429	129	10	,	,	PUNCT
fsr-3429	129	11	miller	miller	PROPN
fsr-3429	129	12	et	et	PROPN
fsr-3429	129	13	al	al	PROPN
fsr-3429	129	14	.	.	PROPN
fsr-3429	130	1	(	(	PUNCT
fsr-3429	130	2	2015	2015	NUM
fsr-3429	130	3	)	)	PUNCT
fsr-3429	130	4	propose	propose	VERB
fsr-3429	130	5	that	that	SCONJ
fsr-3429	130	6	omitted	omit	VERB
fsr-3429	130	7	variables	variable	NOUN
fsr-3429	130	8	related	relate	VERB
fsr-3429	130	9	to	to	ADP
fsr-3429	130	10	such	such	ADJ
fsr-3429	130	11	psychological	psychological	ADJ
fsr-3429	130	12	traits	trait	NOUN
fsr-3429	130	13	(	(	PUNCT
fsr-3429	130	14	such	such	ADJ
fsr-3429	130	15	as	as	ADP
fsr-3429	130	16	impulse	impulse	ADJ
fsr-3429	130	17	control	control	NOUN
fsr-3429	130	18	,	,	PUNCT
fsr-3429	130	19	self	self	NOUN
fsr-3429	130	20	-	-	PUNCT
fsr-3429	130	21	efficacy	efficacy	NOUN
fsr-3429	130	22	and	and	CCONJ
fsr-3429	130	23	delayed	delay	VERB
fsr-3429	130	24	gratification	gratification	NOUN
fsr-3429	130	25	)	)	PUNCT
fsr-3429	130	26	contribute	contribute	VERB
fsr-3429	130	27	to	to	ADP
fsr-3429	130	28	the	the	DET
fsr-3429	130	29	variance	variance	NOUN
fsr-3429	130	30	in	in	ADP
fsr-3429	130	31	the	the	DET
fsr-3429	130	32	results	result	NOUN
fsr-3429	130	33	for	for	ADP
fsr-3429	130	34	financial	financial	ADJ
fsr-3429	130	35	education	education	NOUN
fsr-3429	130	36	interventions	intervention	NOUN
fsr-3429	130	37	.	.	PUNCT
fsr-3429	131	1	miller	miller	PROPN
fsr-3429	131	2	et	et	PROPN
fsr-3429	131	3	al	al	PROPN
fsr-3429	131	4	.	.	PROPN
fsr-3429	132	1	(	(	PUNCT
fsr-3429	132	2	2015	2015	NUM
fsr-3429	132	3	)	)	PUNCT
fsr-3429	132	4	posit	posit	VERB
fsr-3429	132	5	that	that	SCONJ
fsr-3429	132	6	the	the	DET
fsr-3429	132	7	variance	variance	NOUN
fsr-3429	132	8	is	be	AUX
fsr-3429	132	9	because	because	SCONJ
fsr-3429	132	10	people	people	NOUN
fsr-3429	132	11	with	with	ADP
fsr-3429	132	12	certain	certain	ADJ
fsr-3429	132	13	psychometric	psychometric	ADJ
fsr-3429	132	14	profiles	profile	NOUN
fsr-3429	132	15	are	be	AUX
fsr-3429	132	16	more	more	ADV
fsr-3429	132	17	likely	likely	ADJ
fsr-3429	132	18	to	to	PART
fsr-3429	132	19	engage	engage	VERB
fsr-3429	132	20	in	in	ADP
fsr-3429	132	21	activities	activity	NOUN
fsr-3429	132	22	that	that	PRON
fsr-3429	132	23	might	might	AUX
fsr-3429	132	24	improve	improve	VERB
fsr-3429	132	25	their	their	PRON
fsr-3429	132	26	financial	financial	ADJ
fsr-3429	132	27	literacy	literacy	NOUN
fsr-3429	132	28	and	and	CCONJ
fsr-3429	132	29	,	,	PUNCT
fsr-3429	132	30	in	in	ADP
fsr-3429	132	31	turn	turn	NOUN
fsr-3429	132	32	,	,	PUNCT
fsr-3429	132	33	their	their	PRON
fsr-3429	132	34	financial	financial	ADJ
fsr-3429	132	35	outcomes	outcome	NOUN
fsr-3429	132	36	.	.	PUNCT
fsr-3429	133	1	however	however	ADV
fsr-3429	133	2	,	,	PUNCT
fsr-3429	133	3	these	these	DET
fsr-3429	133	4	behaviors	behavior	NOUN
fsr-3429	133	5	(	(	PUNCT
fsr-3429	133	6	specifically	specifically	ADV
fsr-3429	133	7	self	self	NOUN
fsr-3429	133	8	-	-	PUNCT
fsr-3429	133	9	control	control	NOUN
fsr-3429	133	10	)	)	PUNCT
fsr-3429	133	11	are	be	AUX
fsr-3429	133	12	not	not	PART
fsr-3429	133	13	the	the	DET
fsr-3429	133	14	typical	typical	ADJ
fsr-3429	133	15	focus	focus	NOUN
fsr-3429	133	16	of	of	ADP
fsr-3429	133	17	financial	financial	ADJ
fsr-3429	133	18	education	education	NOUN
fsr-3429	133	19	interventions	intervention	NOUN
fsr-3429	133	20	.	.	PUNCT
fsr-3429	134	1	3	3	X
fsr-3429	134	2	.	.	X
fsr-3429	134	3	method	method	VERB
fsr-3429	134	4	the	the	DET
fsr-3429	134	5	findings	finding	NOUN
fsr-3429	134	6	from	from	ADP
fsr-3429	134	7	the	the	DET
fsr-3429	134	8	literature	literature	NOUN
fsr-3429	134	9	review	review	NOUN
fsr-3429	134	10	inform	inform	VERB
fsr-3429	134	11	the	the	DET
fsr-3429	134	12	following	follow	VERB
fsr-3429	134	13	three	three	NUM
fsr-3429	134	14	research	research	NOUN
fsr-3429	134	15	questions	question	NOUN
fsr-3429	134	16	for	for	ADP
fsr-3429	134	17	this	this	DET
fsr-3429	134	18	study	study	NOUN
fsr-3429	134	19	:	:	PUNCT
fsr-3429	134	20	1	1	X
fsr-3429	134	21	.	.	PUNCT
fsr-3429	134	22	does	do	AUX
fsr-3429	134	23	an	an	DET
fsr-3429	134	24	individual	individual	NOUN
fsr-3429	134	25	’s	’s	PART
fsr-3429	134	26	level	level	NOUN
fsr-3429	134	27	of	of	ADP
fsr-3429	134	28	financial	financial	ADJ
fsr-3429	134	29	literacy	literacy	NOUN
fsr-3429	134	30	influence	influence	VERB
fsr-3429	134	31	him	he	PRON
fsr-3429	134	32	/	/	SYM
fsr-3429	134	33	her	her	PRON
fsr-3429	134	34	thinking	think	VERB
fsr-3429	134	35	about	about	ADP
fsr-3429	134	36	retirement	retirement	NOUN
fsr-3429	134	37	?	?	PUNCT
fsr-3429	135	1	2	2	X
fsr-3429	135	2	.	.	X
fsr-3429	135	3	does	do	AUX
fsr-3429	135	4	an	an	DET
fsr-3429	135	5	individual	individual	NOUN
fsr-3429	135	6	’s	’s	PART
fsr-3429	135	7	level	level	NOUN
fsr-3429	135	8	of	of	ADP
fsr-3429	135	9	financial	financial	ADJ
fsr-3429	135	10	literacy	literacy	NOUN
fsr-3429	135	11	influence	influence	VERB
fsr-3429	135	12	him	he	PRON
fsr-3429	135	13	/	/	SYM
fsr-3429	135	14	her	her	PRON
fsr-3429	135	15	planning	planning	NOUN
fsr-3429	135	16	for	for	ADP
fsr-3429	135	17	retirement	retirement	NOUN
fsr-3429	135	18	?	?	PUNCT
fsr-3429	136	1	3	3	X
fsr-3429	136	2	.	.	X
fsr-3429	136	3	does	do	VERB
fsr-3429	136	4	an	an	DET
fsr-3429	136	5	individual	individual	NOUN
fsr-3429	136	6	’s	’s	PART
fsr-3429	136	7	level	level	NOUN
fsr-3429	136	8	of	of	ADP
fsr-3429	136	9	financial	financial	ADJ
fsr-3429	136	10	literacy	literacy	NOUN
fsr-3429	136	11	and/or	and/or	CCONJ
fsr-3429	136	12	financial	financial	ADJ
fsr-3429	136	13	attitude	attitude	NOUN
fsr-3429	136	14	and/or	and/or	CCONJ
fsr-3429	136	15	the	the	DET
fsr-3429	136	16	type	type	NOUN
fsr-3429	136	17	of	of	ADP
fsr-3429	136	18	planner	planner	NOUN
fsr-3429	136	19	he	he	PRON
fsr-3429	136	20	/	/	PUNCT
fsr-3429	137	1	she	she	PRON
fsr-3429	137	2	is	be	AUX
fsr-3429	137	3	influence	influence	VERB
fsr-3429	137	4	his	his	PRON
fsr-3429	137	5	/	/	SYM
fsr-3429	137	6	her	her	PRON
fsr-3429	137	7	financial	financial	ADJ
fsr-3429	137	8	behavior	behavior	NOUN
fsr-3429	137	9	?	?	PUNCT
fsr-3429	138	1	thus	thus	ADV
fsr-3429	138	2	,	,	PUNCT
fsr-3429	138	3	the	the	DET
fsr-3429	138	4	results	result	NOUN
fsr-3429	138	5	will	will	AUX
fsr-3429	138	6	present	present	VERB
fsr-3429	138	7	findings	finding	NOUN
fsr-3429	138	8	on	on	ADP
fsr-3429	138	9	the	the	DET
fsr-3429	138	10	connection	connection	NOUN
fsr-3429	138	11	between	between	ADP
fsr-3429	138	12	financial	financial	ADJ
fsr-3429	138	13	literacy	literacy	NOUN
fsr-3429	138	14	,	,	PUNCT
fsr-3429	138	15	financial	financial	ADJ
fsr-3429	138	16	behavior	behavior	NOUN
fsr-3429	138	17	,	,	PUNCT
fsr-3429	138	18	financial	financial	ADJ
fsr-3429	138	19	attitude	attitude	NOUN
fsr-3429	138	20	and	and	CCONJ
fsr-3429	138	21	retirement	retirement	NOUN
fsr-3429	138	22	savings	saving	NOUN
fsr-3429	138	23	decisions	decision	NOUN
fsr-3429	138	24	.	.	PUNCT
fsr-3429	139	1	of	of	ADP
fsr-3429	139	2	which	which	PRON
fsr-3429	139	3	the	the	DET
fsr-3429	139	4	latter	latter	ADJ
fsr-3429	139	5	encapsulates	encapsulate	VERB
fsr-3429	139	6	thinking	think	VERB
fsr-3429	139	7	and	and	CCONJ
fsr-3429	139	8	planning	planning	NOUN
fsr-3429	139	9	for	for	ADP
fsr-3429	139	10	retirement	retirement	NOUN
fsr-3429	139	11	.	.	PUNCT
fsr-3429	140	1	staff	staff	NOUN
fsr-3429	140	2	at	at	ADP
fsr-3429	140	3	the	the	DET
fsr-3429	140	4	university	university	PROPN
fsr-3429	140	5	of	of	ADP
fsr-3429	140	6	cape	cape	NOUN
fsr-3429	140	7	town	town	NOUN
fsr-3429	140	8	(	(	PUNCT
fsr-3429	140	9	uct	uct	PROPN
fsr-3429	140	10	)	)	PUNCT
fsr-3429	140	11	who	who	PRON
fsr-3429	140	12	were	be	AUX
fsr-3429	140	13	members	member	NOUN
fsr-3429	140	14	of	of	ADP
fsr-3429	140	15	the	the	DET
fsr-3429	140	16	uct	uct	PROPN
fsr-3429	140	17	retirement	retirement	PROPN
fsr-3429	140	18	fund	fund	PROPN
fsr-3429	140	19	(	(	PUNCT
fsr-3429	140	20	uctrf	uctrf	ADV
fsr-3429	140	21	)	)	PUNCT
fsr-3429	140	22	were	be	AUX
fsr-3429	140	23	targeted	target	VERB
fsr-3429	140	24	for	for	ADP
fsr-3429	140	25	a	a	DET
fsr-3429	140	26	survey	survey	NOUN
fsr-3429	140	27	.	.	PUNCT
fsr-3429	141	1	the	the	DET
fsr-3429	141	2	uctrf	uctrf	NOUN
fsr-3429	141	3	was	be	AUX
fsr-3429	141	4	established	establish	VERB
fsr-3429	141	5	on	on	ADP
fsr-3429	141	6	january	january	PROPN
fsr-3429	141	7	1	1	NUM
fsr-3429	141	8	,	,	PUNCT
fsr-3429	141	9	1995	1995	NUM
fsr-3429	141	10	and	and	CCONJ
fsr-3429	141	11	is	be	AUX
fsr-3429	141	12	a	a	DET
fsr-3429	141	13	defined	define	VERB
fsr-3429	141	14	contribution	contribution	NOUN
fsr-3429	141	15	provident	provident	ADJ
fsr-3429	141	16	fund	fund	PROPN
fsr-3429	141	17	.	.	PUNCT
fsr-3429	142	1	all	all	DET
fsr-3429	142	2	permanent	permanent	ADJ
fsr-3429	142	3	and	and	CCONJ
fsr-3429	142	4	fixed	fix	VERB
fsr-3429	142	5	-	-	PUNCT
fsr-3429	142	6	term	term	NOUN
fsr-3429	142	7	contract	contract	NOUN
fsr-3429	142	8	employees	employee	NOUN
fsr-3429	142	9	of	of	ADP
fsr-3429	142	10	uct	uct	PROPN
fsr-3429	142	11	,	,	PUNCT
fsr-3429	142	12	inclusive	inclusive	NOUN
fsr-3429	142	13	of	of	ADP
fsr-3429	142	14	academic	academic	ADJ
fsr-3429	142	15	and	and	CCONJ
fsr-3429	142	16	support	support	NOUN
fsr-3429	142	17	or	or	CCONJ
fsr-3429	142	18	administrative	administrative	ADJ
fsr-3429	142	19	staff	staff	NOUN
fsr-3429	142	20	,	,	PUNCT
fsr-3429	142	21	who	who	PRON
fsr-3429	142	22	have	have	AUX
fsr-3429	142	23	not	not	PART
fsr-3429	142	24	yet	yet	ADV
fsr-3429	142	25	reached	reach	VERB
fsr-3429	142	26	the	the	DET
fsr-3429	142	27	normal	normal	ADJ
fsr-3429	142	28	retirement	retirement	NOUN
fsr-3429	142	29	age	age	NOUN
fsr-3429	142	30	,	,	PUNCT
fsr-3429	142	31	automatically	automatically	ADV
fsr-3429	142	32	become	become	VERB
fsr-3429	142	33	members	member	NOUN
fsr-3429	142	34	of	of	ADP
fsr-3429	142	35	the	the	DET
fsr-3429	142	36	uctrf	uctrf	NOUN
fsr-3429	142	37	upon	upon	SCONJ
fsr-3429	142	38	their	their	PRON
fsr-3429	142	39	appointment	appointment	NOUN
fsr-3429	142	40	.	.	PUNCT
fsr-3429	143	1	the	the	DET
fsr-3429	143	2	uctrf	uctrf	PROPN
fsr-3429	143	3	is	be	AUX
fsr-3429	143	4	relevant	relevant	ADJ
fsr-3429	143	5	to	to	ADP
fsr-3429	143	6	the	the	DET
fsr-3429	143	7	south	south	ADJ
fsr-3429	143	8	african	african	ADJ
fsr-3429	143	9	landscape	landscape	NOUN
fsr-3429	143	10	in	in	SCONJ
fsr-3429	143	11	that	that	SCONJ
fsr-3429	143	12	it	it	PRON
fsr-3429	143	13	is	be	AUX
fsr-3429	143	14	a	a	DET
fsr-3429	143	15	large	large	ADJ
fsr-3429	143	16	fund	fund	NOUN
fsr-3429	143	17	(	(	PUNCT
fsr-3429	143	18	both	both	CCONJ
fsr-3429	143	19	in	in	ADP
fsr-3429	143	20	terms	term	NOUN
fsr-3429	143	21	of	of	ADP
fsr-3429	143	22	number	number	NOUN
fsr-3429	143	23	of	of	ADP
fsr-3429	143	24	members	member	NOUN
fsr-3429	143	25	and	and	CCONJ
fsr-3429	143	26	accumulated	accumulate	VERB
fsr-3429	143	27	funds	fund	NOUN
fsr-3429	143	28	)	)	PUNCT
fsr-3429	143	29	and	and	CCONJ
fsr-3429	143	30	that	that	SCONJ
fsr-3429	143	31	it	it	PRON
fsr-3429	143	32	combines	combine	VERB
fsr-3429	143	33	academics	academic	NOUN
fsr-3429	143	34	and	and	CCONJ
fsr-3429	143	35	administrative	administrative	ADJ
fsr-3429	143	36	staff	staff	NOUN
fsr-3429	143	37	that	that	PRON
fsr-3429	143	38	are	be	AUX
fsr-3429	143	39	from	from	ADP
fsr-3429	143	40	very	very	ADV
fsr-3429	143	41	different	different	ADJ
fsr-3429	143	42	walks	walk	NOUN
fsr-3429	143	43	of	of	ADP
fsr-3429	143	44	life	life	NOUN
fsr-3429	143	45	.	.	PUNCT
fsr-3429	144	1	thus	thus	ADV
fsr-3429	144	2	,	,	PUNCT
fsr-3429	144	3	while	while	SCONJ
fsr-3429	144	4	the	the	DET
fsr-3429	144	5	results	result	NOUN
fsr-3429	144	6	may	may	AUX
fsr-3429	144	7	not	not	PART
fsr-3429	144	8	be	be	AUX
fsr-3429	144	9	generalizable	generalizable	ADJ
fsr-3429	144	10	to	to	ADP
fsr-3429	144	11	the	the	DET
fsr-3429	144	12	rest	rest	NOUN
fsr-3429	144	13	of	of	ADP
fsr-3429	144	14	south	south	PROPN
fsr-3429	144	15	africa	africa	PROPN
fsr-3429	144	16	in	in	ADP
fsr-3429	144	17	a	a	DET
fsr-3429	144	18	statistical	statistical	ADJ
fsr-3429	144	19	sense	sense	NOUN
fsr-3429	144	20	,	,	PUNCT
fsr-3429	144	21	as	as	ADP
fsr-3429	144	22	a	a	DET
fsr-3429	144	23	single	single	ADJ
fsr-3429	144	24	case	case	NOUN
fsr-3429	144	25	study	study	NOUN
fsr-3429	144	26	,	,	PUNCT
fsr-3429	144	27	it	it	PRON
fsr-3429	144	28	provides	provide	VERB
fsr-3429	144	29	relevant	relevant	ADJ
fsr-3429	144	30	information	information	NOUN
fsr-3429	144	31	that	that	PRON
fsr-3429	144	32	is	be	AUX
fsr-3429	144	33	theoretically	theoretically	ADV
fsr-3429	144	34	or	or	CCONJ
fsr-3429	144	35	logically	logically	ADV
fsr-3429	144	36	generalizable	generalizable	ADJ
fsr-3429	144	37	.	.	PUNCT
fsr-3429	145	1	248	248	NUM
fsr-3429	145	2	g.d	g.d	NOUN
fsr-3429	145	3	.	.	PROPN
fsr-3429	145	4	willows	willows	PROPN
fsr-3429	145	5	/	/	SYM
fsr-3429	145	6	financial	financial	ADJ
fsr-3429	145	7	services	service	NOUN
fsr-3429	145	8	review	review	VERB
fsr-3429	145	9	28	28	NUM
fsr-3429	145	10	(	(	PUNCT
fsr-3429	145	11	2020	2020	NUM
fsr-3429	145	12	)	)	PUNCT
fsr-3429	146	1	243–271	243–271	NUM
fsr-3429	146	2	participants	participant	NOUN
fsr-3429	146	3	were	be	AUX
fsr-3429	146	4	asked	ask	VERB
fsr-3429	146	5	questions	question	NOUN
fsr-3429	146	6	to	to	PART
fsr-3429	146	7	determine	determine	VERB
fsr-3429	146	8	their	their	PRON
fsr-3429	146	9	level	level	NOUN
fsr-3429	146	10	of	of	ADP
fsr-3429	146	11	financial	financial	ADJ
fsr-3429	146	12	literacy	literacy	NOUN
fsr-3429	146	13	,	,	PUNCT
fsr-3429	146	14	financial	financial	ADJ
fsr-3429	146	15	behavior	behavior	NOUN
fsr-3429	146	16	,	,	PUNCT
fsr-3429	146	17	financial	financial	ADJ
fsr-3429	146	18	attitude	attitude	NOUN
fsr-3429	146	19	,	,	PUNCT
fsr-3429	146	20	and	and	CCONJ
fsr-3429	146	21	whether	whether	SCONJ
fsr-3429	146	22	they	they	PRON
fsr-3429	146	23	thought	think	VERB
fsr-3429	146	24	about	about	ADP
fsr-3429	146	25	and	and	CCONJ
fsr-3429	146	26	planned	plan	VERB
fsr-3429	146	27	for	for	ADP
fsr-3429	146	28	their	their	PRON
fsr-3429	146	29	retirement	retirement	NOUN
fsr-3429	146	30	.	.	PUNCT
fsr-3429	147	1	most	most	ADJ
fsr-3429	147	2	of	of	ADP
fsr-3429	147	3	the	the	DET
fsr-3429	147	4	questions	question	NOUN
fsr-3429	147	5	used	use	VERB
fsr-3429	147	6	were	be	AUX
fsr-3429	147	7	drawn	draw	VERB
fsr-3429	147	8	from	from	ADP
fsr-3429	147	9	previous	previous	ADJ
fsr-3429	147	10	studies	study	NOUN
fsr-3429	147	11	(	(	PUNCT
fsr-3429	147	12	notably	notably	ADV
fsr-3429	147	13	atkinson	atkinson	PROPN
fsr-3429	147	14	&	&	CCONJ
fsr-3429	147	15	messy	messy	PROPN
fsr-3429	147	16	,	,	PUNCT
fsr-3429	147	17	2012	2012	NUM
fsr-3429	147	18	;	;	PUNCT
fsr-3429	147	19	lusardi	lusardi	PROPN
fsr-3429	147	20	&	&	CCONJ
fsr-3429	147	21	mitchell	mitchell	PROPN
fsr-3429	147	22	,	,	PUNCT
fsr-3429	147	23	2011	2011	NUM
fsr-3429	147	24	,	,	PUNCT
fsr-3429	147	25	2017	2017	NUM
fsr-3429	147	26	;	;	PUNCT
fsr-3429	147	27	and	and	CCONJ
fsr-3429	147	28	van	van	PROPN
fsr-3429	147	29	rooij	rooij	NOUN
fsr-3429	147	30	,	,	PUNCT
fsr-3429	147	31	lusardi	lusardi	PROPN
fsr-3429	147	32	,	,	PUNCT
fsr-3429	147	33	&	&	CCONJ
fsr-3429	147	34	alessie	alessie	PROPN
fsr-3429	147	35	,	,	PUNCT
fsr-3429	147	36	2011	2011	NUM
fsr-3429	147	37	)	)	PUNCT
fsr-3429	147	38	.	.	PUNCT
fsr-3429	148	1	these	these	DET
fsr-3429	148	2	questions	question	NOUN
fsr-3429	148	3	have	have	AUX
fsr-3429	148	4	been	be	AUX
fsr-3429	148	5	used	use	VERB
fsr-3429	148	6	in	in	ADP
fsr-3429	148	7	a	a	DET
fsr-3429	148	8	number	number	NOUN
fsr-3429	148	9	of	of	ADP
fsr-3429	148	10	studies	study	NOUN
fsr-3429	148	11	worldwide	worldwide	ADV
fsr-3429	148	12	,	,	PUNCT
fsr-3429	148	13	including	include	VERB
fsr-3429	148	14	:	:	PUNCT
fsr-3429	148	15	australia	australia	PROPN
fsr-3429	148	16	(	(	PUNCT
fsr-3429	148	17	agnew	agnew	PROPN
fsr-3429	148	18	,	,	PUNCT
fsr-3429	148	19	bateman	bateman	PROPN
fsr-3429	148	20	,	,	PUNCT
fsr-3429	148	21	&	&	CCONJ
fsr-3429	148	22	thorp	thorp	PROPN
fsr-3429	148	23	,	,	PUNCT
fsr-3429	148	24	2013	2013	NUM
fsr-3429	148	25	)	)	PUNCT
fsr-3429	148	26	,	,	PUNCT
fsr-3429	148	27	switzerland	switzerland	PROPN
fsr-3429	148	28	(	(	PUNCT
fsr-3429	148	29	brown	brown	PROPN
fsr-3429	148	30	&	&	CCONJ
fsr-3429	148	31	graf	graf	PROPN
fsr-3429	148	32	,	,	PUNCT
fsr-3429	148	33	2013	2013	NUM
fsr-3429	148	34	)	)	PUNCT
fsr-3429	148	35	,	,	PUNCT
fsr-3429	148	36	france	france	PROPN
fsr-3429	148	37	(	(	PUNCT
fsr-3429	148	38	arrondel	arrondel	PROPN
fsr-3429	148	39	,	,	PUNCT
fsr-3429	148	40	debbich	debbich	NOUN
fsr-3429	148	41	,	,	PUNCT
fsr-3429	148	42	&	&	CCONJ
fsr-3429	148	43	savignac	savignac	NOUN
fsr-3429	148	44	,	,	PUNCT
fsr-3429	148	45	2013	2013	NUM
fsr-3429	148	46	)	)	PUNCT
fsr-3429	148	47	,	,	PUNCT
fsr-3429	148	48	russia	russia	PROPN
fsr-3429	148	49	(	(	PUNCT
fsr-3429	148	50	klapper	klapper	NOUN
fsr-3429	148	51	&	&	CCONJ
fsr-3429	148	52	panos	panos	PROPN
fsr-3429	148	53	,	,	PUNCT
fsr-3429	148	54	2011	2011	NUM
fsr-3429	148	55	)	)	PUNCT
fsr-3429	148	56	,	,	PUNCT
fsr-3429	148	57	romania	romania	PROPN
fsr-3429	148	58	(	(	PUNCT
fsr-3429	148	59	beckmann	beckmann	PROPN
fsr-3429	148	60	,	,	PUNCT
fsr-3429	148	61	2013	2013	NUM
fsr-3429	148	62	)	)	PUNCT
fsr-3429	148	63	,	,	PUNCT
fsr-3429	148	64	and	and	CCONJ
fsr-3429	148	65	japan	japan	PROPN
fsr-3429	148	66	(	(	PUNCT
fsr-3429	148	67	sekita	sekita	PROPN
fsr-3429	148	68	,	,	PUNCT
fsr-3429	148	69	2011	2011	NUM
fsr-3429	148	70	)	)	PUNCT
fsr-3429	148	71	.	.	PUNCT
fsr-3429	149	1	certain	certain	ADJ
fsr-3429	149	2	socioeconomic	socioeconomic	ADJ
fsr-3429	149	3	characteristics	characteristic	NOUN
fsr-3429	149	4	were	be	AUX
fsr-3429	149	5	also	also	ADV
fsr-3429	149	6	garnered	garner	VERB
fsr-3429	149	7	from	from	ADP
fsr-3429	149	8	the	the	DET
fsr-3429	149	9	survey	survey	NOUN
fsr-3429	149	10	questions	question	NOUN
fsr-3429	149	11	.	.	PUNCT
fsr-3429	150	1	appendixes	appendix	NOUN
fsr-3429	150	2	a	a	PRON
fsr-3429	150	3	–	–	PUNCT
fsr-3429	150	4	c	c	NOUN
fsr-3429	150	5	show	show	VERB
fsr-3429	150	6	the	the	DET
fsr-3429	150	7	various	various	ADJ
fsr-3429	150	8	questions	question	NOUN
fsr-3429	150	9	.	.	PUNCT
fsr-3429	151	1	furthermore	furthermore	ADV
fsr-3429	151	2	,	,	PUNCT
fsr-3429	151	3	the	the	DET
fsr-3429	151	4	uctrf	uctrf	NOUN
fsr-3429	151	5	agreed	agree	VERB
fsr-3429	151	6	to	to	PART
fsr-3429	151	7	provide	provide	VERB
fsr-3429	151	8	certain	certain	ADJ
fsr-3429	151	9	sociodemographic	sociodemographic	ADJ
fsr-3429	151	10	information	information	NOUN
fsr-3429	151	11	for	for	ADP
fsr-3429	151	12	each	each	DET
fsr-3429	151	13	participant	participant	NOUN
fsr-3429	151	14	such	such	ADJ
fsr-3429	151	15	as	as	ADP
fsr-3429	151	16	age	age	NOUN
fsr-3429	151	17	,	,	PUNCT
fsr-3429	151	18	gender	gender	NOUN
fsr-3429	151	19	,	,	PUNCT
fsr-3429	151	20	race	race	NOUN
fsr-3429	151	21	,	,	PUNCT
fsr-3429	151	22	cost	cost	NOUN
fsr-3429	151	23	of	of	ADP
fsr-3429	151	24	employment	employment	NOUN
fsr-3429	151	25	(	(	PUNCT
fsr-3429	151	26	coe	coe	PROPN
fsr-3429	151	27	)	)	PUNCT
fsr-3429	151	28	and	and	CCONJ
fsr-3429	151	29	highest	high	ADJ
fsr-3429	151	30	qualification	qualification	NOUN
fsr-3429	151	31	(	(	PUNCT
fsr-3429	151	32	all	all	PRON
fsr-3429	151	33	as	as	ADP
fsr-3429	151	34	at	at	ADP
fsr-3429	151	35	july	july	PROPN
fsr-3429	151	36	31	31	NUM
fsr-3429	151	37	,	,	PUNCT
fsr-3429	151	38	2014	2014	NUM
fsr-3429	151	39	)	)	PUNCT
fsr-3429	151	40	.	.	PUNCT
fsr-3429	152	1	the	the	DET
fsr-3429	152	2	inclusion	inclusion	NOUN
fsr-3429	152	3	of	of	ADP
fsr-3429	152	4	these	these	DET
fsr-3429	152	5	characteristics	characteristic	NOUN
fsr-3429	152	6	addresses	address	NOUN
fsr-3429	152	7	some	some	PRON
fsr-3429	152	8	of	of	ADP
fsr-3429	152	9	the	the	DET
fsr-3429	152	10	variances	variance	NOUN
fsr-3429	152	11	noted	note	VERB
fsr-3429	152	12	by	by	ADP
fsr-3429	152	13	brown	brown	PROPN
fsr-3429	152	14	et	et	PROPN
fsr-3429	152	15	al	al	PROPN
fsr-3429	152	16	.	.	PROPN
fsr-3429	152	17	(	(	PUNCT
fsr-3429	152	18	2016	2016	NUM
fsr-3429	152	19	)	)	PUNCT
fsr-3429	152	20	and	and	CCONJ
fsr-3429	152	21	miller	miller	PROPN
fsr-3429	152	22	et	et	PROPN
fsr-3429	152	23	al	al	PROPN
fsr-3429	152	24	.	.	PROPN
fsr-3429	152	25	(	(	PUNCT
fsr-3429	152	26	2015	2015	NUM
fsr-3429	152	27	)	)	PUNCT
fsr-3429	152	28	in	in	ADP
fsr-3429	152	29	the	the	DET
fsr-3429	152	30	literature	literature	NOUN
fsr-3429	152	31	reviewed	review	VERB
fsr-3429	152	32	.	.	PUNCT
fsr-3429	153	1	3.1	3.1	NUM
fsr-3429	153	2	.	.	PUNCT
fsr-3429	153	3	research	research	NOUN
fsr-3429	153	4	strategy	strategy	NOUN
fsr-3429	153	5	the	the	DET
fsr-3429	153	6	survey	survey	NOUN
fsr-3429	153	7	was	be	AUX
fsr-3429	153	8	cognitively	cognitively	ADV
fsr-3429	153	9	tested	test	VERB
fsr-3429	153	10	by	by	ADP
fsr-3429	153	11	11	11	NUM
fsr-3429	153	12	people	people	NOUN
fsr-3429	153	13	(	(	PUNCT
fsr-3429	153	14	five	five	NUM
fsr-3429	153	15	males	male	NOUN
fsr-3429	153	16	and	and	CCONJ
fsr-3429	153	17	six	six	NUM
fsr-3429	153	18	females	female	NOUN
fsr-3429	153	19	of	of	ADP
fsr-3429	153	20	differing	differ	VERB
fsr-3429	153	21	ages	age	NOUN
fsr-3429	153	22	)	)	PUNCT
fsr-3429	153	23	to	to	PART
fsr-3429	153	24	evaluate	evaluate	VERB
fsr-3429	153	25	the	the	DET
fsr-3429	153	26	wording	wording	NOUN
fsr-3429	153	27	and	and	CCONJ
fsr-3429	153	28	design	design	NOUN
fsr-3429	153	29	of	of	ADP
fsr-3429	153	30	the	the	DET
fsr-3429	153	31	survey	survey	NOUN
fsr-3429	153	32	(	(	PUNCT
fsr-3429	153	33	willimack	willimack	NOUN
fsr-3429	153	34	,	,	PUNCT
fsr-3429	153	35	lyberg	lyberg	PROPN
fsr-3429	153	36	,	,	PUNCT
fsr-3429	153	37	martin	martin	PROPN
fsr-3429	153	38	,	,	PUNCT
fsr-3429	153	39	japec	japec	PROPN
fsr-3429	153	40	,	,	PUNCT
fsr-3429	153	41	&	&	CCONJ
fsr-3429	153	42	whitridge	whitridge	PROPN
fsr-3429	153	43	,	,	PUNCT
fsr-3429	153	44	2004	2004	NUM
fsr-3429	153	45	)	)	PUNCT
fsr-3429	153	46	.	.	PUNCT
fsr-3429	154	1	the	the	DET
fsr-3429	154	2	suggestions	suggestion	NOUN
fsr-3429	154	3	from	from	ADP
fsr-3429	154	4	this	this	DET
fsr-3429	154	5	testing	testing	NOUN
fsr-3429	154	6	were	be	AUX
fsr-3429	154	7	analyzed	analyze	VERB
fsr-3429	154	8	and	and	CCONJ
fsr-3429	154	9	,	,	PUNCT
fsr-3429	154	10	where	where	SCONJ
fsr-3429	154	11	appropriate	appropriate	ADJ
fsr-3429	154	12	,	,	PUNCT
fsr-3429	154	13	changes	change	NOUN
fsr-3429	154	14	were	be	AUX
fsr-3429	154	15	made	make	VERB
fsr-3429	154	16	to	to	PART
fsr-3429	154	17	update	update	VERB
fsr-3429	154	18	and	and	CCONJ
fsr-3429	154	19	improve	improve	VERB
fsr-3429	154	20	the	the	DET
fsr-3429	154	21	original	original	ADJ
fsr-3429	154	22	survey	survey	NOUN
fsr-3429	154	23	questions	question	NOUN
fsr-3429	154	24	.	.	PUNCT
fsr-3429	155	1	the	the	DET
fsr-3429	155	2	cognitive	cognitive	ADJ
fsr-3429	155	3	testing	testing	NOUN
fsr-3429	155	4	was	be	AUX
fsr-3429	155	5	done	do	VERB
fsr-3429	155	6	in	in	ADP
fsr-3429	155	7	stages	stage	NOUN
fsr-3429	155	8	;	;	PUNCT
fsr-3429	155	9	not	not	PART
fsr-3429	155	10	all	all	DET
fsr-3429	155	11	11	11	NUM
fsr-3429	155	12	testers	tester	NOUN
fsr-3429	155	13	tested	test	VERB
fsr-3429	155	14	the	the	DET
fsr-3429	155	15	survey	survey	NOUN
fsr-3429	155	16	at	at	ADP
fsr-3429	155	17	the	the	DET
fsr-3429	155	18	same	same	ADJ
fsr-3429	155	19	time	time	NOUN
fsr-3429	155	20	.	.	PUNCT
fsr-3429	156	1	this	this	PRON
fsr-3429	156	2	was	be	AUX
fsr-3429	156	3	done	do	VERB
fsr-3429	156	4	to	to	PART
fsr-3429	156	5	enable	enable	VERB
fsr-3429	156	6	each	each	DET
fsr-3429	156	7	subsequent	subsequent	ADJ
fsr-3429	156	8	tester	tester	NOUN
fsr-3429	156	9	to	to	PART
fsr-3429	156	10	test	test	VERB
fsr-3429	156	11	any	any	DET
fsr-3429	156	12	changes	change	NOUN
fsr-3429	156	13	suggested	suggest	VERB
fsr-3429	156	14	by	by	ADP
fsr-3429	156	15	the	the	DET
fsr-3429	156	16	previous	previous	ADJ
fsr-3429	156	17	testers	tester	NOUN
fsr-3429	156	18	.	.	PUNCT
fsr-3429	157	1	the	the	DET
fsr-3429	157	2	changes	change	NOUN
fsr-3429	157	3	made	make	VERB
fsr-3429	157	4	and	and	CCONJ
fsr-3429	157	5	the	the	DET
fsr-3429	157	6	reasoning	reasoning	NOUN
fsr-3429	157	7	for	for	ADP
fsr-3429	157	8	each	each	DET
fsr-3429	157	9	amendment	amendment	NOUN
fsr-3429	157	10	were	be	AUX
fsr-3429	157	11	as	as	SCONJ
fsr-3429	157	12	follows	follow	VERB
fsr-3429	157	13	:	:	PUNCT
fsr-3429	157	14	•	•	NUM
fsr-3429	157	15	changing	change	VERB
fsr-3429	157	16	certain	certain	ADJ
fsr-3429	157	17	americanisms	americanism	NOUN
fsr-3429	157	18	to	to	ADP
fsr-3429	157	19	south	south	ADJ
fsr-3429	157	20	african	african	ADJ
fsr-3429	157	21	terminology	terminology	NOUN
fsr-3429	157	22	(	(	PUNCT
fsr-3429	157	23	e.g.	e.g.	ADV
fsr-3429	157	24	,	,	PUNCT
fsr-3429	157	25	replacing	replace	VERB
fsr-3429	157	26	“	"	PUNCT
fsr-3429	157	27	firm	firm	NOUN
fsr-3429	157	28	”	"	PUNCT
fsr-3429	157	29	with	with	ADP
fsr-3429	157	30	“	"	PUNCT
fsr-3429	157	31	company	company	NOUN
fsr-3429	157	32	”	"	PUNCT
fsr-3429	157	33	and	and	CCONJ
fsr-3429	157	34	“	"	PUNCT
fsr-3429	157	35	stock	stock	NOUN
fsr-3429	157	36	”	"	PUNCT
fsr-3429	157	37	with	with	ADP
fsr-3429	157	38	“	"	PUNCT
fsr-3429	157	39	share	share	NOUN
fsr-3429	157	40	”	"	PUNCT
fsr-3429	157	41	)	)	PUNCT
fsr-3429	157	42	.	.	PUNCT
fsr-3429	158	1	•	•	NOUN
fsr-3429	158	2	some	some	PRON
fsr-3429	158	3	of	of	ADP
fsr-3429	158	4	the	the	DET
fsr-3429	158	5	ordered	order	VERB
fsr-3429	158	6	response	response	NOUN
fsr-3429	158	7	options	option	NOUN
fsr-3429	158	8	were	be	AUX
fsr-3429	158	9	re	re	VERB
fsr-3429	158	10	-	-	VERB
fsr-3429	158	11	ordered	order	VERB
fsr-3429	158	12	from	from	ADP
fsr-3429	158	13	“	"	PUNCT
fsr-3429	158	14	disagree	disagree	VERB
fsr-3429	158	15	to	to	PART
fsr-3429	158	16	agree	agree	VERB
fsr-3429	158	17	”	"	PUNCT
fsr-3429	158	18	to	to	PART
fsr-3429	158	19	“	"	PUNCT
fsr-3429	158	20	agree	agree	VERB
fsr-3429	158	21	to	to	PART
fsr-3429	158	22	disagree	disagree	VERB
fsr-3429	158	23	,	,	PUNCT
fsr-3429	158	24	”	"	PUNCT
fsr-3429	158	25	as	as	SCONJ
fsr-3429	158	26	most	most	ADJ
fsr-3429	158	27	testers	tester	NOUN
fsr-3429	158	28	seemed	seem	VERB
fsr-3429	158	29	to	to	PART
fsr-3429	158	30	anticipate	anticipate	VERB
fsr-3429	158	31	that	that	DET
fsr-3429	158	32	construction	construction	NOUN
fsr-3429	158	33	.	.	PUNCT
fsr-3429	159	1	•	•	NUM
fsr-3429	159	2	references	reference	NOUN
fsr-3429	159	3	in	in	ADP
fsr-3429	159	4	financial	financial	ADJ
fsr-3429	159	5	knowledge	knowledge	NOUN
fsr-3429	159	6	questions	question	NOUN
fsr-3429	159	7	to	to	ADP
fsr-3429	159	8	“	"	PUNCT
fsr-3429	159	9	savings	saving	NOUN
fsr-3429	159	10	accounts	account	NOUN
fsr-3429	159	11	”	"	PUNCT
fsr-3429	159	12	and	and	CCONJ
fsr-3429	159	13	“	"	PUNCT
fsr-3429	159	14	shares	share	NOUN
fsr-3429	159	15	”	"	PUNCT
fsr-3429	159	16	were	be	AUX
fsr-3429	159	17	changed	change	VERB
fsr-3429	159	18	to	to	PART
fsr-3429	159	19	include	include	VERB
fsr-3429	159	20	“	"	PUNCT
fsr-3429	159	21	savings	saving	NOUN
fsr-3429	159	22	accounts	account	NOUN
fsr-3429	159	23	/	/	SYM
fsr-3429	159	24	cash	cash	NOUN
fsr-3429	159	25	”	"	PUNCT
fsr-3429	159	26	and	and	CCONJ
fsr-3429	159	27	“	"	PUNCT
fsr-3429	159	28	shares	share	NOUN
fsr-3429	159	29	/	/	SYM
fsr-3429	159	30	equity	equity	NOUN
fsr-3429	159	31	”	"	PUNCT
fsr-3429	159	32	to	to	PART
fsr-3429	159	33	avoid	avoid	VERB
fsr-3429	159	34	incorrect	incorrect	ADJ
fsr-3429	159	35	responses	response	NOUN
fsr-3429	159	36	owing	owe	VERB
fsr-3429	159	37	to	to	ADP
fsr-3429	159	38	differing	differ	VERB
fsr-3429	159	39	terminology	terminology	NOUN
fsr-3429	159	40	.	.	PUNCT
fsr-3429	160	1	•	•	NUM
fsr-3429	160	2	references	reference	NOUN
fsr-3429	160	3	to	to	ADP
fsr-3429	160	4	“	"	PUNCT
fsr-3429	160	5	moderate	moderate	ADJ
fsr-3429	160	6	”	"	PUNCT
fsr-3429	160	7	risk	risk	NOUN
fsr-3429	160	8	companies	company	NOUN
fsr-3429	160	9	were	be	AUX
fsr-3429	160	10	changed	change	VERB
fsr-3429	160	11	to	to	ADP
fsr-3429	160	12	“	"	PUNCT
fsr-3429	160	13	medium	medium	ADJ
fsr-3429	160	14	”	"	PUNCT
fsr-3429	160	15	risk	risk	NOUN
fsr-3429	160	16	companies	company	NOUN
fsr-3429	160	17	for	for	ADP
fsr-3429	160	18	more	more	ADV
fsr-3429	160	19	universal	universal	ADJ
fsr-3429	160	20	/	/	SYM
fsr-3429	160	21	easier	easy	ADJ
fsr-3429	160	22	language	language	NOUN
fsr-3429	160	23	use	use	NOUN
fsr-3429	160	24	.	.	PUNCT
fsr-3429	161	1	the	the	DET
fsr-3429	161	2	uctrf	uctrf	PROPN
fsr-3429	161	3	had	have	VERB
fsr-3429	161	4	3	3	NUM
fsr-3429	161	5	602	602	NUM
fsr-3429	161	6	members	member	NOUN
fsr-3429	161	7	as	as	ADP
fsr-3429	161	8	at	at	ADP
fsr-3429	161	9	may	may	PROPN
fsr-3429	161	10	31	31	NUM
fsr-3429	161	11	,	,	PUNCT
fsr-3429	161	12	2014	2014	NUM
fsr-3429	161	13	to	to	PART
fsr-3429	161	14	whom	whom	PRON
fsr-3429	161	15	surveys	survey	NOUN
fsr-3429	161	16	were	be	AUX
fsr-3429	161	17	sent	send	VERB
fsr-3429	161	18	.	.	PUNCT
fsr-3429	162	1	of	of	ADP
fsr-3429	162	2	these	these	DET
fsr-3429	162	3	3,602	3,602	NUM
fsr-3429	162	4	members	member	NOUN
fsr-3429	162	5	,	,	PUNCT
fsr-3429	162	6	3,333	3,333	NUM
fsr-3429	162	7	had	have	VERB
fsr-3429	162	8	access	access	NOUN
fsr-3429	162	9	to	to	ADP
fsr-3429	162	10	email	email	NOUN
fsr-3429	162	11	.	.	PUNCT
fsr-3429	163	1	the	the	DET
fsr-3429	163	2	survey	survey	NOUN
fsr-3429	163	3	was	be	AUX
fsr-3429	163	4	emailed	email	VERB
fsr-3429	163	5	to	to	ADP
fsr-3429	163	6	these	these	DET
fsr-3429	163	7	members	member	NOUN
fsr-3429	163	8	on	on	ADP
fsr-3429	163	9	tuesday	tuesday	PROPN
fsr-3429	163	10	,	,	PUNCT
fsr-3429	163	11	august	august	PROPN
fsr-3429	163	12	26	26	NUM
fsr-3429	163	13	,	,	PUNCT
fsr-3429	163	14	2014	2014	NUM
fsr-3429	163	15	and	and	CCONJ
fsr-3429	163	16	remained	remain	VERB
fsr-3429	163	17	open	open	ADJ
fsr-3429	163	18	until	until	ADP
fsr-3429	163	19	the	the	DET
fsr-3429	163	20	end	end	NOUN
fsr-3429	163	21	of	of	ADP
fsr-3429	163	22	that	that	DET
fsr-3429	163	23	week	week	NOUN
fsr-3429	163	24	.	.	PUNCT
fsr-3429	164	1	the	the	DET
fsr-3429	164	2	remaining	remain	VERB
fsr-3429	164	3	269	269	NUM
fsr-3429	164	4	members	member	NOUN
fsr-3429	164	5	had	have	VERB
fsr-3429	164	6	hard	hard	ADJ
fsr-3429	164	7	copies	copy	NOUN
fsr-3429	164	8	of	of	ADP
fsr-3429	164	9	the	the	DET
fsr-3429	164	10	survey	survey	NOUN
fsr-3429	164	11	(	(	PUNCT
fsr-3429	164	12	with	with	ADP
fsr-3429	164	13	self	self	NOUN
fsr-3429	164	14	-	-	PUNCT
fsr-3429	164	15	addressed	address	VERB
fsr-3429	164	16	return	return	NOUN
fsr-3429	164	17	envelopes	envelope	NOUN
fsr-3429	164	18	)	)	PUNCT
fsr-3429	164	19	posted	post	VERB
fsr-3429	164	20	to	to	ADP
fsr-3429	164	21	them	they	PRON
fsr-3429	164	22	.	.	PUNCT
fsr-3429	165	1	a	a	DET
fsr-3429	165	2	total	total	NOUN
fsr-3429	165	3	of	of	ADP
fsr-3429	165	4	764	764	NUM
fsr-3429	165	5	responses	response	NOUN
fsr-3429	165	6	were	be	AUX
fsr-3429	165	7	received	receive	VERB
fsr-3429	165	8	(	(	PUNCT
fsr-3429	165	9	of	of	ADP
fsr-3429	165	10	which	which	PRON
fsr-3429	165	11	23	23	NUM
fsr-3429	165	12	were	be	AUX
fsr-3429	165	13	in	in	ADP
fsr-3429	165	14	hard	hard	ADJ
fsr-3429	165	15	-	-	PUNCT
fsr-3429	165	16	copy	copy	NOUN
fsr-3429	165	17	format	format	NOUN
fsr-3429	165	18	)	)	PUNCT
fsr-3429	165	19	.	.	PUNCT
fsr-3429	166	1	this	this	PRON
fsr-3429	166	2	equated	equate	VERB
fsr-3429	166	3	to	to	ADP
fsr-3429	166	4	a	a	DET
fsr-3429	166	5	total	total	ADJ
fsr-3429	166	6	response	response	NOUN
fsr-3429	166	7	rate	rate	NOUN
fsr-3429	166	8	of	of	ADP
fsr-3429	166	9	just	just	ADV
fsr-3429	166	10	over	over	ADP
fsr-3429	166	11	21	21	NUM
fsr-3429	166	12	%	%	NOUN
fsr-3429	166	13	.	.	PUNCT
fsr-3429	167	1	the	the	DET
fsr-3429	167	2	responses	response	NOUN
fsr-3429	167	3	were	be	AUX
fsr-3429	167	4	sent	send	VERB
fsr-3429	167	5	to	to	ADP
fsr-3429	167	6	the	the	DET
fsr-3429	167	7	uctrf	uctrf	NOUN
fsr-3429	167	8	by	by	ADP
fsr-3429	167	9	the	the	DET
fsr-3429	167	10	respondents	respondent	NOUN
fsr-3429	167	11	.	.	PUNCT
fsr-3429	168	1	the	the	DET
fsr-3429	168	2	uctrf	uctrf	PROPN
fsr-3429	168	3	used	use	VERB
fsr-3429	168	4	the	the	DET
fsr-3429	168	5	staff	staff	NOUN
fsr-3429	168	6	number	number	NOUN
fsr-3429	168	7	provided	provide	VERB
fsr-3429	168	8	by	by	ADP
fsr-3429	168	9	each	each	DET
fsr-3429	168	10	respondent	respondent	NOUN
fsr-3429	168	11	to	to	PART
fsr-3429	168	12	identify	identify	VERB
fsr-3429	168	13	and	and	CCONJ
fsr-3429	168	14	provide	provide	VERB
fsr-3429	168	15	relevant	relevant	ADJ
fsr-3429	168	16	information	information	NOUN
fsr-3429	168	17	such	such	ADJ
fsr-3429	168	18	as	as	ADP
fsr-3429	168	19	but	but	CCONJ
fsr-3429	168	20	not	not	PART
fsr-3429	168	21	limited	limit	VERB
fsr-3429	168	22	to	to	ADP
fsr-3429	168	23	:	:	PUNCT
fsr-3429	168	24	age	age	NOUN
fsr-3429	168	25	(	(	PUNCT
fsr-3429	168	26	as	as	ADP
fsr-3429	168	27	of	of	ADP
fsr-3429	168	28	july	july	PROPN
fsr-3429	168	29	31	31	NUM
fsr-3429	168	30	,	,	PUNCT
fsr-3429	168	31	2014	2014	NUM
fsr-3429	168	32	)	)	PUNCT
fsr-3429	168	33	,	,	PUNCT
fsr-3429	168	34	race	race	NOUN
fsr-3429	168	35	,	,	PUNCT
fsr-3429	168	36	gender	gender	NOUN
fsr-3429	168	37	,	,	PUNCT
fsr-3429	168	38	cost	cost	NOUN
fsr-3429	168	39	of	of	ADP
fsr-3429	168	40	employment	employment	NOUN
fsr-3429	168	41	(	(	PUNCT
fsr-3429	168	42	coe	coe	PROPN
fsr-3429	168	43	)	)	PUNCT
fsr-3429	168	44	,	,	PUNCT
fsr-3429	168	45	and	and	CCONJ
fsr-3429	168	46	g.d	g.d	PROPN
fsr-3429	168	47	.	.	PROPN
fsr-3429	168	48	willows	willows	PROPN
fsr-3429	168	49	/	/	SYM
fsr-3429	168	50	financial	financial	ADJ
fsr-3429	168	51	services	service	NOUN
fsr-3429	168	52	review	review	VERB
fsr-3429	168	53	28	28	NUM
fsr-3429	168	54	(	(	PUNCT
fsr-3429	168	55	2020	2020	NUM
fsr-3429	168	56	)	)	PUNCT
fsr-3429	169	1	243–271	243–271	NUM
fsr-3429	169	2	249	249	NUM
fsr-3429	169	3	highest	high	ADJ
fsr-3429	169	4	qualification	qualification	NOUN
fsr-3429	169	5	level	level	NOUN
fsr-3429	169	6	.	.	PUNCT
fsr-3429	170	1	however	however	ADV
fsr-3429	170	2	,	,	PUNCT
fsr-3429	170	3	the	the	DET
fsr-3429	170	4	uctrf	uctrf	NOUN
fsr-3429	170	5	was	be	AUX
fsr-3429	170	6	unable	unable	ADJ
fsr-3429	170	7	to	to	PART
fsr-3429	170	8	give	give	VERB
fsr-3429	170	9	information	information	NOUN
fsr-3429	170	10	for	for	ADP
fsr-3429	170	11	11	11	NUM
fsr-3429	170	12	of	of	ADP
fsr-3429	170	13	the	the	DET
fsr-3429	170	14	members	member	NOUN
fsr-3429	170	15	owing	owe	VERB
fsr-3429	170	16	to	to	ADP
fsr-3429	170	17	incorrect	incorrect	ADJ
fsr-3429	170	18	staff	staff	NOUN
fsr-3429	170	19	numbers	number	NOUN
fsr-3429	170	20	as	as	SCONJ
fsr-3429	170	21	provided	provide	VERB
fsr-3429	170	22	by	by	ADP
fsr-3429	170	23	these	these	DET
fsr-3429	170	24	respondents	respondent	NOUN
fsr-3429	170	25	.	.	PUNCT
fsr-3429	171	1	consequently	consequently	ADV
fsr-3429	171	2	,	,	PUNCT
fsr-3429	171	3	these	these	DET
fsr-3429	171	4	11	11	NUM
fsr-3429	171	5	members	member	NOUN
fsr-3429	171	6	were	be	AUX
fsr-3429	171	7	excluded	exclude	VERB
fsr-3429	171	8	from	from	ADP
fsr-3429	171	9	any	any	DET
fsr-3429	171	10	further	further	ADJ
fsr-3429	171	11	analysis	analysis	NOUN
fsr-3429	171	12	,	,	PUNCT
fsr-3429	171	13	resulting	result	VERB
fsr-3429	171	14	in	in	ADP
fsr-3429	171	15	a	a	DET
fsr-3429	171	16	final	final	ADJ
fsr-3429	171	17	sample	sample	NOUN
fsr-3429	171	18	of	of	ADP
fsr-3429	171	19	753	753	NUM
fsr-3429	171	20	members	member	NOUN
fsr-3429	171	21	.	.	PUNCT
fsr-3429	172	1	nevertheless	nevertheless	ADV
fsr-3429	172	2	,	,	PUNCT
fsr-3429	172	3	the	the	DET
fsr-3429	172	4	sample	sample	NOUN
fsr-3429	172	5	remained	remain	VERB
fsr-3429	172	6	large	large	ADJ
fsr-3429	172	7	enough	enough	ADV
fsr-3429	172	8	to	to	PART
fsr-3429	172	9	apply	apply	VERB
fsr-3429	172	10	the	the	DET
fsr-3429	172	11	central	central	ADJ
fsr-3429	172	12	limit	limit	NOUN
fsr-3429	172	13	theorem	theorem	VERB
fsr-3429	172	14	and	and	CCONJ
fsr-3429	172	15	to	to	PART
fsr-3429	172	16	assume	assume	VERB
fsr-3429	172	17	a	a	DET
fsr-3429	172	18	normal	normal	ADJ
fsr-3429	172	19	distribution	distribution	NOUN
fsr-3429	172	20	for	for	ADP
fsr-3429	172	21	statistical	statistical	ADJ
fsr-3429	172	22	testing	testing	NOUN
fsr-3429	172	23	to	to	PART
fsr-3429	172	24	be	be	AUX
fsr-3429	172	25	performed	perform	VERB
fsr-3429	172	26	.	.	PUNCT
fsr-3429	173	1	also	also	ADV
fsr-3429	173	2	,	,	PUNCT
fsr-3429	173	3	43	43	NUM
fsr-3429	173	4	respondents	respondent	NOUN
fsr-3429	173	5	did	do	AUX
fsr-3429	173	6	not	not	PART
fsr-3429	173	7	provide	provide	VERB
fsr-3429	173	8	data	datum	NOUN
fsr-3429	173	9	as	as	ADP
fsr-3429	173	10	to	to	ADP
fsr-3429	173	11	their	their	PRON
fsr-3429	173	12	highest	high	ADJ
fsr-3429	173	13	qualification	qualification	NOUN
fsr-3429	173	14	.	.	PUNCT
fsr-3429	174	1	in	in	ADP
fsr-3429	174	2	the	the	DET
fsr-3429	174	3	testing	testing	NOUN
fsr-3429	174	4	,	,	PUNCT
fsr-3429	174	5	controls	control	NOUN
fsr-3429	174	6	were	be	AUX
fsr-3429	174	7	implemented	implement	VERB
fsr-3429	174	8	for	for	ADP
fsr-3429	174	9	these	these	DET
fsr-3429	174	10	nonresponses	nonresponse	NOUN
fsr-3429	174	11	,	,	PUNCT
fsr-3429	174	12	and	and	CCONJ
fsr-3429	174	13	as	as	ADP
fsr-3429	174	14	such	such	ADJ
fsr-3429	174	15	,	,	PUNCT
fsr-3429	174	16	the	the	DET
fsr-3429	174	17	affected	affected	ADJ
fsr-3429	174	18	respondents	respondent	NOUN
fsr-3429	174	19	remained	remain	VERB
fsr-3429	174	20	in	in	ADP
fsr-3429	174	21	the	the	DET
fsr-3429	174	22	sample	sample	NOUN
fsr-3429	174	23	.	.	PUNCT
fsr-3429	175	1	to	to	PART
fsr-3429	175	2	avoid	avoid	VERB
fsr-3429	175	3	an	an	DET
fsr-3429	175	4	overstatement	overstatement	ADJ
fsr-3429	175	5	(	(	PUNCT
fsr-3429	175	6	or	or	CCONJ
fsr-3429	175	7	understatement	understatement	NOUN
fsr-3429	175	8	)	)	PUNCT
fsr-3429	175	9	of	of	ADP
fsr-3429	175	10	results	result	NOUN
fsr-3429	175	11	arising	arise	VERB
fsr-3429	175	12	from	from	ADP
fsr-3429	175	13	a	a	DET
fsr-3429	175	14	nonrepresentative	nonrepresentative	ADJ
fsr-3429	175	15	sample	sample	NOUN
fsr-3429	175	16	(	(	PUNCT
fsr-3429	175	17	as	as	SCONJ
fsr-3429	175	18	was	be	AUX
fsr-3429	175	19	found	find	VERB
fsr-3429	175	20	by	by	ADP
fsr-3429	175	21	lusardi	lusardi	PROPN
fsr-3429	175	22	&	&	CCONJ
fsr-3429	175	23	mitchell	mitchell	PROPN
fsr-3429	175	24	,	,	PUNCT
fsr-3429	175	25	2017	2017	NUM
fsr-3429	175	26	)	)	PUNCT
fsr-3429	175	27	,	,	PUNCT
fsr-3429	175	28	the	the	DET
fsr-3429	175	29	sample	sample	NOUN
fsr-3429	175	30	was	be	AUX
fsr-3429	175	31	weighted	weight	VERB
fsr-3429	175	32	by	by	ADP
fsr-3429	175	33	the	the	DET
fsr-3429	175	34	gender	gender	NOUN
fsr-3429	175	35	groups	group	NOUN
fsr-3429	175	36	and	and	CCONJ
fsr-3429	175	37	racial	racial	ADJ
fsr-3429	175	38	groups	group	NOUN
fsr-3429	175	39	,	,	PUNCT
fsr-3429	175	40	to	to	PART
fsr-3429	175	41	ensure	ensure	VERB
fsr-3429	175	42	greater	great	ADJ
fsr-3429	175	43	representativeness	representativeness	NOUN
fsr-3429	175	44	of	of	ADP
fsr-3429	175	45	the	the	DET
fsr-3429	175	46	south	south	ADJ
fsr-3429	175	47	african	african	ADJ
fsr-3429	175	48	population	population	NOUN
fsr-3429	175	49	.	.	PUNCT
fsr-3429	176	1	ideally	ideally	ADV
fsr-3429	176	2	,	,	PUNCT
fsr-3429	176	3	the	the	DET
fsr-3429	176	4	sample	sample	NOUN
fsr-3429	176	5	should	should	AUX
fsr-3429	176	6	also	also	ADV
fsr-3429	176	7	be	be	AUX
fsr-3429	176	8	weighted	weight	VERB
fsr-3429	176	9	by	by	ADP
fsr-3429	176	10	age	age	NOUN
fsr-3429	176	11	,	,	PUNCT
fsr-3429	176	12	income	income	NOUN
fsr-3429	176	13	,	,	PUNCT
fsr-3429	176	14	and	and	CCONJ
fsr-3429	176	15	education	education	NOUN
fsr-3429	176	16	,	,	PUNCT
fsr-3429	176	17	because	because	SCONJ
fsr-3429	176	18	of	of	ADP
fsr-3429	176	19	the	the	DET
fsr-3429	176	20	older	old	ADJ
fsr-3429	176	21	,	,	PUNCT
fsr-3429	176	22	high	high	ADJ
fsr-3429	176	23	earning	earning	NOUN
fsr-3429	176	24	,	,	PUNCT
fsr-3429	176	25	and	and	CCONJ
fsr-3429	176	26	highly	highly	ADV
fsr-3429	176	27	educated	educate	VERB
fsr-3429	176	28	sample	sample	NOUN
fsr-3429	176	29	.	.	PUNCT
fsr-3429	177	1	however	however	ADV
fsr-3429	177	2	,	,	PUNCT
fsr-3429	177	3	this	this	PRON
fsr-3429	177	4	was	be	AUX
fsr-3429	177	5	not	not	PART
fsr-3429	177	6	possible	possible	ADJ
fsr-3429	177	7	due	due	ADP
fsr-3429	177	8	to	to	ADP
fsr-3429	177	9	the	the	DET
fsr-3429	177	10	lack	lack	NOUN
fsr-3429	177	11	of	of	ADP
fsr-3429	177	12	accurate	accurate	ADJ
fsr-3429	177	13	statistics	statistic	NOUN
fsr-3429	177	14	on	on	ADP
fsr-3429	177	15	our	our	PRON
fsr-3429	177	16	variables	variable	NOUN
fsr-3429	177	17	of	of	ADP
fsr-3429	177	18	interest	interest	NOUN
fsr-3429	177	19	from	from	ADP
fsr-3429	177	20	the	the	DET
fsr-3429	177	21	south	south	ADJ
fsr-3429	177	22	african	african	ADJ
fsr-3429	177	23	population	population	NOUN
fsr-3429	177	24	.	.	PUNCT
fsr-3429	178	1	instead	instead	ADV
fsr-3429	178	2	,	,	PUNCT
fsr-3429	178	3	gender	gender	NOUN
fsr-3429	178	4	and	and	CCONJ
fsr-3429	178	5	race	race	NOUN
fsr-3429	178	6	(	(	PUNCT
fsr-3429	178	7	two	two	NUM
fsr-3429	178	8	important	important	ADJ
fsr-3429	178	9	factors	factor	NOUN
fsr-3429	178	10	in	in	ADP
fsr-3429	178	11	the	the	DET
fsr-3429	178	12	context	context	NOUN
fsr-3429	178	13	of	of	ADP
fsr-3429	178	14	south	south	PROPN
fsr-3429	178	15	africa	africa	PROPN
fsr-3429	178	16	)	)	PUNCT
fsr-3429	178	17	have	have	AUX
fsr-3429	178	18	been	be	AUX
fsr-3429	178	19	considered	consider	VERB
fsr-3429	178	20	to	to	PART
fsr-3429	178	21	address	address	VERB
fsr-3429	178	22	this	this	DET
fsr-3429	178	23	issue	issue	NOUN
fsr-3429	178	24	.	.	PUNCT
fsr-3429	179	1	a	a	DET
fsr-3429	179	2	t	t	PROPN
fsr-3429	179	3	test	test	NOUN
fsr-3429	179	4	was	be	AUX
fsr-3429	179	5	conducted	conduct	VERB
fsr-3429	179	6	with	with	ADP
fsr-3429	179	7	each	each	PRON
fsr-3429	179	8	of	of	ADP
fsr-3429	179	9	age	age	NOUN
fsr-3429	179	10	,	,	PUNCT
fsr-3429	179	11	income	income	NOUN
fsr-3429	179	12	,	,	PUNCT
fsr-3429	179	13	and	and	CCONJ
fsr-3429	179	14	education	education	NOUN
fsr-3429	179	15	by	by	ADP
fsr-3429	179	16	gender	gender	NOUN
fsr-3429	179	17	,	,	PUNCT
fsr-3429	179	18	as	as	ADV
fsr-3429	179	19	well	well	ADV
fsr-3429	179	20	as	as	ADP
fsr-3429	179	21	a	a	DET
fsr-3429	179	22	correlation	correlation	NOUN
fsr-3429	179	23	analysis	analysis	NOUN
fsr-3429	179	24	for	for	ADP
fsr-3429	179	25	race	race	NOUN
fsr-3429	179	26	across	across	ADP
fsr-3429	179	27	age	age	NOUN
fsr-3429	179	28	,	,	PUNCT
fsr-3429	179	29	income	income	NOUN
fsr-3429	179	30	and	and	CCONJ
fsr-3429	179	31	education	education	NOUN
fsr-3429	179	32	.	.	PUNCT
fsr-3429	180	1	these	these	DET
fsr-3429	180	2	significant	significant	ADJ
fsr-3429	180	3	results	result	NOUN
fsr-3429	180	4	indicate	indicate	VERB
fsr-3429	180	5	that	that	SCONJ
fsr-3429	180	6	weighting	weight	VERB
fsr-3429	180	7	the	the	DET
fsr-3429	180	8	data	datum	NOUN
fsr-3429	180	9	by	by	ADP
fsr-3429	180	10	gender	gender	NOUN
fsr-3429	180	11	and	and	CCONJ
fsr-3429	180	12	race	race	NOUN
fsr-3429	180	13	subsequently	subsequently	ADV
fsr-3429	180	14	addressed	address	VERB
fsr-3429	180	15	the	the	DET
fsr-3429	180	16	weighting	weighting	NOUN
fsr-3429	180	17	issues	issue	NOUN
fsr-3429	180	18	among	among	ADP
fsr-3429	180	19	the	the	DET
fsr-3429	180	20	other	other	ADJ
fsr-3429	180	21	variables	variable	NOUN
fsr-3429	180	22	for	for	ADP
fsr-3429	180	23	which	which	PRON
fsr-3429	180	24	there	there	PRON
fsr-3429	180	25	is	be	VERB
fsr-3429	180	26	no	no	DET
fsr-3429	180	27	available	available	ADJ
fsr-3429	180	28	data	datum	NOUN
fsr-3429	180	29	.	.	PUNCT
fsr-3429	181	1	table	table	NOUN
fsr-3429	181	2	1	1	NUM
fsr-3429	181	3	provides	provide	VERB
fsr-3429	181	4	further	further	ADJ
fsr-3429	181	5	detail	detail	NOUN
fsr-3429	181	6	regarding	regard	VERB
fsr-3429	181	7	the	the	DET
fsr-3429	181	8	final	final	ADJ
fsr-3429	181	9	weighted	weighted	ADJ
fsr-3429	181	10	sample	sample	NOUN
fsr-3429	181	11	of	of	ADP
fsr-3429	181	12	respondents	respondent	NOUN
fsr-3429	181	13	.	.	PUNCT
fsr-3429	182	1	3.2	3.2	NUM
fsr-3429	182	2	.	.	PUNCT
fsr-3429	183	1	research	research	NOUN
fsr-3429	183	2	process	process	NOUN
fsr-3429	183	3	to	to	PART
fsr-3429	183	4	address	address	VERB
fsr-3429	183	5	the	the	DET
fsr-3429	183	6	research	research	NOUN
fsr-3429	183	7	question	question	NOUN
fsr-3429	183	8	,	,	PUNCT
fsr-3429	183	9	the	the	DET
fsr-3429	183	10	data	datum	NOUN
fsr-3429	183	11	were	be	AUX
fsr-3429	183	12	analyzed	analyze	VERB
fsr-3429	183	13	in	in	ADP
fsr-3429	183	14	four	four	NUM
fsr-3429	183	15	themes	theme	NOUN
fsr-3429	183	16	,	,	PUNCT
fsr-3429	183	17	namely	namely	ADV
fsr-3429	183	18	(	(	PUNCT
fsr-3429	183	19	1	1	X
fsr-3429	183	20	)	)	PUNCT
fsr-3429	183	21	financial	financial	ADJ
fsr-3429	183	22	literacy	literacy	NOUN
fsr-3429	183	23	,	,	PUNCT
fsr-3429	183	24	(	(	PUNCT
fsr-3429	183	25	2	2	X
fsr-3429	183	26	)	)	PUNCT
fsr-3429	183	27	thinking	think	VERB
fsr-3429	183	28	about	about	ADP
fsr-3429	183	29	retirement	retirement	NOUN
fsr-3429	183	30	,	,	PUNCT
fsr-3429	183	31	(	(	PUNCT
fsr-3429	183	32	3	3	X
fsr-3429	183	33	)	)	PUNCT
fsr-3429	183	34	planning	planning	NOUN
fsr-3429	183	35	for	for	ADP
fsr-3429	183	36	retirement	retirement	NOUN
fsr-3429	183	37	,	,	PUNCT
fsr-3429	183	38	and	and	CCONJ
fsr-3429	183	39	(	(	PUNCT
fsr-3429	183	40	4	4	X
fsr-3429	183	41	)	)	PUNCT
fsr-3429	183	42	financial	financial	ADJ
fsr-3429	183	43	behavior	behavior	NOUN
fsr-3429	183	44	and	and	CCONJ
fsr-3429	183	45	attitude	attitude	NOUN
fsr-3429	183	46	.	.	PUNCT
fsr-3429	184	1	descriptive	descriptive	ADJ
fsr-3429	184	2	statistics	statistic	NOUN
fsr-3429	184	3	and	and	CCONJ
fsr-3429	184	4	preliminary	preliminary	ADJ
fsr-3429	184	5	analyses	analysis	NOUN
fsr-3429	184	6	for	for	ADP
fsr-3429	184	7	each	each	PRON
fsr-3429	184	8	of	of	ADP
fsr-3429	184	9	these	these	DET
fsr-3429	184	10	themes	theme	NOUN
fsr-3429	184	11	are	be	AUX
fsr-3429	184	12	presented	present	VERB
fsr-3429	184	13	first	first	ADV
fsr-3429	184	14	.	.	PUNCT
fsr-3429	185	1	3.2.1	3.2.1	X
fsr-3429	185	2	.	.	PUNCT
fsr-3429	185	3	financial	financial	ADJ
fsr-3429	185	4	literacy	literacy	NOUN
fsr-3429	185	5	the	the	DET
fsr-3429	185	6	basic	basic	ADJ
fsr-3429	185	7	financial	financial	ADJ
fsr-3429	185	8	literacy	literacy	NOUN
fsr-3429	185	9	questions	question	NOUN
fsr-3429	185	10	tested	test	VERB
fsr-3429	185	11	simple	simple	ADJ
fsr-3429	185	12	concepts	concept	NOUN
fsr-3429	185	13	that	that	PRON
fsr-3429	185	14	form	form	VERB
fsr-3429	185	15	the	the	DET
fsr-3429	185	16	basis	basis	NOUN
fsr-3429	185	17	of	of	ADP
fsr-3429	185	18	basic	basic	ADJ
fsr-3429	185	19	financial	financial	ADJ
fsr-3429	185	20	decision	decision	NOUN
fsr-3429	185	21	-	-	PUNCT
fsr-3429	185	22	making	making	NOUN
fsr-3429	185	23	and	and	CCONJ
fsr-3429	185	24	transactions	transaction	NOUN
fsr-3429	185	25	.	.	PUNCT
fsr-3429	186	1	table	table	NOUN
fsr-3429	186	2	2	2	NUM
fsr-3429	186	3	shows	show	VERB
fsr-3429	186	4	the	the	DET
fsr-3429	186	5	percentage	percentage	NOUN
fsr-3429	186	6	of	of	ADP
fsr-3429	186	7	correct	correct	ADJ
fsr-3429	186	8	answers	answer	NOUN
fsr-3429	186	9	for	for	ADP
fsr-3429	186	10	the	the	DET
fsr-3429	186	11	total	total	ADJ
fsr-3429	186	12	sample	sample	NOUN
fsr-3429	186	13	of	of	ADP
fsr-3429	186	14	respondents	respondent	NOUN
fsr-3429	186	15	in	in	ADP
fsr-3429	186	16	respect	respect	NOUN
fsr-3429	186	17	of	of	ADP
fsr-3429	186	18	each	each	PRON
fsr-3429	186	19	of	of	ADP
fsr-3429	186	20	the	the	DET
fsr-3429	186	21	four	four	NUM
fsr-3429	186	22	questions	question	NOUN
fsr-3429	186	23	.	.	PUNCT
fsr-3429	187	1	table	table	NOUN
fsr-3429	187	2	2	2	NUM
fsr-3429	187	3	shows	show	VERB
fsr-3429	187	4	that	that	SCONJ
fsr-3429	187	5	while	while	SCONJ
fsr-3429	187	6	most	most	ADJ
fsr-3429	187	7	respondents	respondent	NOUN
fsr-3429	187	8	can	can	AUX
fsr-3429	187	9	do	do	VERB
fsr-3429	187	10	simple	simple	ADJ
fsr-3429	187	11	calculations	calculation	NOUN
fsr-3429	187	12	(	(	PUNCT
fsr-3429	187	13	calculating	calculate	VERB
fsr-3429	187	14	interest	interest	NOUN
fsr-3429	187	15	)	)	PUNCT
fsr-3429	187	16	financial	financial	ADJ
fsr-3429	187	17	literacy	literacy	NOUN
fsr-3429	187	18	is	be	AUX
fsr-3429	187	19	not	not	PART
fsr-3429	187	20	comprehensive	comprehensive	ADJ
fsr-3429	187	21	.	.	PUNCT
fsr-3429	188	1	the	the	DET
fsr-3429	188	2	percentage	percentage	NOUN
fsr-3429	188	3	of	of	ADP
fsr-3429	188	4	correct	correct	ADJ
fsr-3429	188	5	answers	answer	NOUN
fsr-3429	188	6	is	be	AUX
fsr-3429	188	7	not	not	PART
fsr-3429	188	8	nearly	nearly	ADV
fsr-3429	188	9	as	as	ADV
fsr-3429	188	10	high	high	ADJ
fsr-3429	188	11	as	as	ADP
fsr-3429	188	12	the	the	DET
fsr-3429	188	13	93	93	NUM
fsr-3429	188	14	%	%	NOUN
fsr-3429	188	15	and	and	CCONJ
fsr-3429	188	16	91	91	NUM
fsr-3429	188	17	%	%	NOUN
fsr-3429	188	18	found	find	VERB
fsr-3429	188	19	by	by	ADP
fsr-3429	188	20	lusardi	lusardi	PROPN
fsr-3429	188	21	and	and	CCONJ
fsr-3429	188	22	mitchell	mitchell	PROPN
fsr-3429	188	23	(	(	PUNCT
fsr-3429	188	24	2017	2017	NUM
fsr-3429	188	25	)	)	PUNCT
fsr-3429	188	26	for	for	ADP
fsr-3429	188	27	the	the	DET
fsr-3429	188	28	numeracy	numeracy	NOUN
fsr-3429	188	29	and	and	CCONJ
fsr-3429	188	30	inflation	inflation	NOUN
fsr-3429	188	31	questions	question	NOUN
fsr-3429	188	32	,	,	PUNCT
fsr-3429	188	33	respectively	respectively	ADV
fsr-3429	188	34	.	.	PUNCT
fsr-3429	189	1	the	the	DET
fsr-3429	189	2	results	result	NOUN
fsr-3429	189	3	for	for	ADP
fsr-3429	189	4	the	the	DET
fsr-3429	189	5	advanced	advanced	ADJ
fsr-3429	189	6	financial	financial	ADJ
fsr-3429	189	7	literacy	literacy	NOUN
fsr-3429	189	8	questions	question	NOUN
fsr-3429	189	9	are	be	AUX
fsr-3429	189	10	shown	show	VERB
fsr-3429	189	11	in	in	ADP
fsr-3429	189	12	table	table	NOUN
fsr-3429	189	13	3	3	NUM
fsr-3429	189	14	.	.	PUNCT
fsr-3429	190	1	these	these	DET
fsr-3429	190	2	questions	question	NOUN
fsr-3429	190	3	were	be	AUX
fsr-3429	190	4	more	more	ADV
fsr-3429	190	5	sophisticated	sophisticated	ADJ
fsr-3429	190	6	than	than	ADP
fsr-3429	190	7	the	the	DET
fsr-3429	190	8	basic	basic	ADJ
fsr-3429	190	9	questions	question	NOUN
fsr-3429	190	10	and	and	CCONJ
fsr-3429	190	11	tested	test	VERB
fsr-3429	190	12	concepts	concept	NOUN
fsr-3429	190	13	regarding	regard	VERB
fsr-3429	190	14	the	the	DET
fsr-3429	190	15	share	share	NOUN
fsr-3429	190	16	market	market	NOUN
fsr-3429	190	17	,	,	PUNCT
fsr-3429	190	18	collective	collective	ADJ
fsr-3429	190	19	investment	investment	NOUN
fsr-3429	190	20	schemes	scheme	NOUN
fsr-3429	190	21	,	,	PUNCT
fsr-3429	190	22	bonds	bond	NOUN
fsr-3429	190	23	,	,	PUNCT
fsr-3429	190	24	and	and	CCONJ
fsr-3429	190	25	risk	risk	NOUN
fsr-3429	190	26	.	.	PUNCT
fsr-3429	191	1	more	more	ADJ
fsr-3429	191	2	than	than	ADP
fsr-3429	191	3	half	half	NOUN
fsr-3429	191	4	of	of	ADP
fsr-3429	191	5	the	the	DET
fsr-3429	191	6	respondents	respondent	NOUN
fsr-3429	191	7	have	have	VERB
fsr-3429	191	8	some	some	DET
fsr-3429	191	9	knowledge	knowledge	NOUN
fsr-3429	191	10	of	of	ADP
fsr-3429	191	11	shares	share	NOUN
fsr-3429	191	12	,	,	PUNCT
fsr-3429	191	13	long	long	ADJ
fsr-3429	191	14	-	-	PUNCT
fsr-3429	191	15	period	period	NOUN
fsr-3429	191	16	returns	return	NOUN
fsr-3429	191	17	,	,	PUNCT
fsr-3429	191	18	variability	variability	NOUN
fsr-3429	191	19	of	of	ADP
fsr-3429	191	20	returns	return	NOUN
fsr-3429	191	21	,	,	PUNCT
fsr-3429	191	22	and	and	CCONJ
fsr-3429	191	23	how	how	SCONJ
fsr-3429	191	24	risk	risk	NOUN
fsr-3429	191	25	diversification	diversification	NOUN
fsr-3429	191	26	works	work	VERB
fsr-3429	191	27	.	.	PUNCT
fsr-3429	192	1	however	however	ADV
fsr-3429	192	2	,	,	PUNCT
fsr-3429	192	3	an	an	DET
fsr-3429	192	4	analysis	analysis	NOUN
fsr-3429	192	5	of	of	ADP
fsr-3429	192	6	the	the	DET
fsr-3429	192	7	responses	response	NOUN
fsr-3429	192	8	in	in	ADP
fsr-3429	192	9	respect	respect	NOUN
fsr-3429	192	10	of	of	ADP
fsr-3429	192	11	knowledge	knowledge	NOUN
fsr-3429	192	12	of	of	ADP
fsr-3429	192	13	and	and	CCONJ
fsr-3429	192	14	principles	principle	NOUN
fsr-3429	192	15	relating	relate	VERB
fsr-3429	192	16	to	to	ADP
fsr-3429	192	17	bonds	bond	NOUN
fsr-3429	192	18	shows	show	VERB
fsr-3429	192	19	a	a	DET
fsr-3429	192	20	lack	lack	NOUN
fsr-3429	192	21	of	of	ADP
fsr-3429	192	22	competence	competence	NOUN
fsr-3429	192	23	.	.	PUNCT
fsr-3429	193	1	nearly	nearly	ADV
fsr-3429	193	2	half	half	NOUN
fsr-3429	193	3	of	of	ADP
fsr-3429	193	4	the	the	DET
fsr-3429	193	5	respondents	respondent	NOUN
fsr-3429	193	6	(	(	PUNCT
fsr-3429	193	7	43	43	NUM
fsr-3429	193	8	%	%	NOUN
fsr-3429	193	9	)	)	PUNCT
fsr-3429	193	10	responded	respond	VERB
fsr-3429	193	11	that	that	SCONJ
fsr-3429	193	12	they	they	PRON
fsr-3429	193	13	did	do	AUX
fsr-3429	193	14	not	not	PART
fsr-3429	193	15	know	know	VERB
fsr-3429	193	16	the	the	DET
fsr-3429	193	17	answer	answer	NOUN
fsr-3429	193	18	to	to	ADP
fsr-3429	193	19	the	the	DET
fsr-3429	193	20	bond	bond	NOUN
fsr-3429	193	21	principles	principle	NOUN
fsr-3429	193	22	question	question	NOUN
fsr-3429	193	23	(	(	PUNCT
fsr-3429	193	24	that	that	PRON
fsr-3429	193	25	tested	test	VERB
fsr-3429	193	26	the	the	DET
fsr-3429	193	27	link	link	NOUN
fsr-3429	193	28	between	between	ADP
fsr-3429	193	29	bond	bond	NOUN
fsr-3429	193	30	prices	price	NOUN
fsr-3429	193	31	and	and	CCONJ
fsr-3429	193	32	interest	interest	NOUN
fsr-3429	193	33	rates	rate	NOUN
fsr-3429	193	34	)	)	PUNCT
fsr-3429	193	35	.	.	PUNCT
fsr-3429	194	1	250	250	NUM
fsr-3429	194	2	g.d	g.d	NOUN
fsr-3429	194	3	.	.	PUNCT
fsr-3429	194	4	willows	willows	PROPN
fsr-3429	194	5	/	/	SYM
fsr-3429	194	6	financial	financial	ADJ
fsr-3429	194	7	services	service	NOUN
fsr-3429	194	8	review	review	VERB
fsr-3429	194	9	28	28	NUM
fsr-3429	194	10	(	(	PUNCT
fsr-3429	194	11	2020	2020	NUM
fsr-3429	194	12	)	)	PUNCT
fsr-3429	195	1	243–271	243–271	NUM
fsr-3429	195	2	a	a	DET
fsr-3429	195	3	financial	financial	ADJ
fsr-3429	195	4	literacy	literacy	NOUN
fsr-3429	195	5	score	score	NOUN
fsr-3429	195	6	was	be	AUX
fsr-3429	195	7	then	then	ADV
fsr-3429	195	8	calculated	calculate	VERB
fsr-3429	195	9	for	for	ADP
fsr-3429	195	10	each	each	DET
fsr-3429	195	11	respondent	respondent	NOUN
fsr-3429	195	12	by	by	ADP
fsr-3429	195	13	deriving	derive	VERB
fsr-3429	195	14	person	person	NOUN
fsr-3429	195	15	scores	score	NOUN
fsr-3429	195	16	from	from	ADP
fsr-3429	195	17	a	a	DET
fsr-3429	195	18	three	three	NUM
fsr-3429	195	19	-	-	PUNCT
fsr-3429	195	20	parameter	parameter	NOUN
fsr-3429	195	21	logistic	logistic	ADJ
fsr-3429	195	22	item	item	NOUN
fsr-3429	195	23	response	response	NOUN
fsr-3429	195	24	model	model	NOUN
fsr-3429	195	25	with	with	ADP
fsr-3429	195	26	a	a	DET
fsr-3429	195	27	pseudo	pseudo	NOUN
fsr-3429	195	28	-	-	PUNCT
fsr-3429	195	29	guessing	guess	VERB
fsr-3429	195	30	parameter	parameter	NOUN
fsr-3429	195	31	common	common	ADJ
fsr-3429	195	32	to	to	ADP
fsr-3429	195	33	all	all	DET
fsr-3429	195	34	items	item	NOUN
fsr-3429	195	35	.	.	PUNCT
fsr-3429	196	1	the	the	DET
fsr-3429	196	2	financial	financial	ADJ
fsr-3429	196	3	literacy	literacy	NOUN
fsr-3429	196	4	items	item	NOUN
fsr-3429	196	5	had	have	VERB
fsr-3429	196	6	kuder	kuder	NOUN
fsr-3429	196	7	-	-	PUNCT
fsr-3429	196	8	richardson	richardson	PROPN
fsr-3429	196	9	coefficient	coefficient	NOUN
fsr-3429	196	10	of	of	ADP
fsr-3429	196	11	reliability	reliability	NOUN
fsr-3429	196	12	of	of	ADP
fsr-3429	196	13	0.81	0.81	NUM
fsr-3429	196	14	.	.	PUNCT
fsr-3429	197	1	two	two	NUM
fsr-3429	197	2	items	item	NOUN
fsr-3429	197	3	separated	separate	VERB
fsr-3429	197	4	from	from	ADP
fsr-3429	197	5	the	the	DET
fsr-3429	197	6	rest	rest	NOUN
fsr-3429	197	7	in	in	ADP
fsr-3429	197	8	terms	term	NOUN
fsr-3429	197	9	of	of	ADP
fsr-3429	197	10	both	both	DET
fsr-3429	197	11	difficulty	difficulty	NOUN
fsr-3429	197	12	and	and	CCONJ
fsr-3429	197	13	discrimination	discrimination	NOUN
fsr-3429	197	14	with	with	ADP
fsr-3429	197	15	both	both	PRON
fsr-3429	197	16	having	have	VERB
fsr-3429	197	17	markedly	markedly	ADV
fsr-3429	197	18	greater	great	ADJ
fsr-3429	197	19	values	value	NOUN
fsr-3429	197	20	on	on	ADP
fsr-3429	197	21	both	both	DET
fsr-3429	197	22	parameters	parameter	NOUN
fsr-3429	197	23	(	(	PUNCT
fsr-3429	197	24	q21	q21	NOUN
fsr-3429	197	25	and	and	CCONJ
fsr-3429	197	26	q24	q24	NOUN
fsr-3429	197	27	in	in	ADP
fsr-3429	197	28	appendix	appendix	PROPN
fsr-3429	197	29	b	b	NOUN
fsr-3429	197	30	)	)	PUNCT
fsr-3429	197	31	.	.	PUNCT
fsr-3429	198	1	the	the	DET
fsr-3429	198	2	test	test	NOUN
fsr-3429	198	3	information	information	NOUN
fsr-3429	198	4	function	function	NOUN
fsr-3429	198	5	showed	show	VERB
fsr-3429	198	6	that	that	SCONJ
fsr-3429	198	7	the	the	DET
fsr-3429	198	8	instrument	instrument	NOUN
fsr-3429	198	9	consisting	consist	VERB
fsr-3429	198	10	of	of	ADP
fsr-3429	198	11	all	all	DET
fsr-3429	198	12	financial	financial	ADJ
fsr-3429	198	13	literacy	literacy	NOUN
fsr-3429	198	14	items	item	NOUN
fsr-3429	198	15	provided	provide	VERB
fsr-3429	198	16	the	the	DET
fsr-3429	198	17	most	most	ADJ
fsr-3429	198	18	information	information	NOUN
fsr-3429	198	19	about	about	ADP
fsr-3429	198	20	participants	participant	NOUN
fsr-3429	198	21	with	with	ADP
fsr-3429	198	22	ability	ability	NOUN
fsr-3429	198	23	levels	level	NOUN
fsr-3429	198	24	in	in	ADP
fsr-3429	198	25	the	the	DET
fsr-3429	198	26	midrange	midrange	NOUN
fsr-3429	198	27	of	of	ADP
fsr-3429	198	28	the	the	DET
fsr-3429	198	29	presumed	presume	VERB
fsr-3429	198	30	latent	latent	ADJ
fsr-3429	198	31	financial	financial	ADJ
fsr-3429	198	32	literacy	literacy	NOUN
fsr-3429	198	33	.	.	PUNCT
fsr-3429	199	1	persons	person	NOUN
fsr-3429	199	2	scores	score	NOUN
fsr-3429	199	3	were	be	AUX
fsr-3429	199	4	transformed	transform	VERB
fsr-3429	199	5	to	to	ADP
fsr-3429	199	6	a	a	DET
fsr-3429	199	7	standard	standard	ADJ
fsr-3429	199	8	t	t	NOUN
fsr-3429	199	9	-	-	PUNCT
fsr-3429	199	10	score	score	NOUN
fsr-3429	199	11	with	with	ADP
fsr-3429	199	12	a	a	DET
fsr-3429	199	13	mean	mean	NOUN
fsr-3429	199	14	of	of	ADP
fsr-3429	199	15	50	50	NUM
fsr-3429	199	16	and	and	CCONJ
fsr-3429	199	17	standard	standard	ADJ
fsr-3429	199	18	deviation	deviation	NOUN
fsr-3429	199	19	of	of	ADP
fsr-3429	199	20	10	10	NUM
fsr-3429	199	21	,	,	PUNCT
fsr-3429	199	22	for	for	ADP
fsr-3429	199	23	example	example	NOUN
fsr-3429	199	24	,	,	PUNCT
fsr-3429	199	25	a	a	DET
fsr-3429	199	26	score	score	NOUN
fsr-3429	199	27	of	of	ADP
fsr-3429	199	28	60	60	NUM
fsr-3429	199	29	is	be	AUX
fsr-3429	199	30	one	one	NUM
fsr-3429	199	31	standard	standard	ADJ
fsr-3429	199	32	deviation	deviation	NOUN
fsr-3429	199	33	above	above	ADP
fsr-3429	199	34	the	the	DET
fsr-3429	199	35	mean	mean	NOUN
fsr-3429	199	36	,	,	PUNCT
fsr-3429	199	37	while	while	SCONJ
fsr-3429	199	38	a	a	DET
fsr-3429	199	39	score	score	NOUN
fsr-3429	199	40	of	of	ADP
fsr-3429	199	41	30	30	NUM
fsr-3429	199	42	is	be	AUX
fsr-3429	199	43	two	two	NUM
fsr-3429	199	44	standard	standard	ADJ
fsr-3429	199	45	deviations	deviation	NOUN
fsr-3429	199	46	below	below	ADP
fsr-3429	199	47	the	the	DET
fsr-3429	199	48	mean	mean	NOUN
fsr-3429	199	49	.	.	PUNCT
fsr-3429	200	1	t	t	PROPN
fsr-3429	200	2	-	-	PUNCT
fsr-3429	200	3	scores	score	NOUN
fsr-3429	200	4	are	be	AUX
fsr-3429	200	5	positive	positive	ADJ
fsr-3429	200	6	and	and	CCONJ
fsr-3429	200	7	fall	fall	VERB
fsr-3429	200	8	within	within	ADP
fsr-3429	200	9	the	the	DET
fsr-3429	200	10	interval	interval	NOUN
fsr-3429	200	11	[	[	X
fsr-3429	200	12	0	0	NUM
fsr-3429	200	13	,	,	PUNCT
fsr-3429	200	14	100	100	NUM
fsr-3429	200	15	]	]	PUNCT
fsr-3429	200	16	.	.	PUNCT
fsr-3429	201	1	the	the	DET
fsr-3429	201	2	results	result	NOUN
fsr-3429	201	3	are	be	AUX
fsr-3429	201	4	shown	show	VERB
fsr-3429	201	5	in	in	ADP
fsr-3429	201	6	table	table	NOUN
fsr-3429	201	7	4	4	NUM
fsr-3429	201	8	while	while	SCONJ
fsr-3429	201	9	classifying	classify	VERB
fsr-3429	201	10	the	the	DET
fsr-3429	201	11	sample	sample	NOUN
fsr-3429	201	12	of	of	ADP
fsr-3429	201	13	respondents	respondent	NOUN
fsr-3429	201	14	into	into	ADP
fsr-3429	201	15	different	different	ADJ
fsr-3429	201	16	subsets	subset	NOUN
fsr-3429	201	17	by	by	ADP
fsr-3429	201	18	socioeconomic	socioeconomic	ADJ
fsr-3429	201	19	characteristics	characteristic	NOUN
fsr-3429	201	20	,	,	PUNCT
fsr-3429	201	21	namely	namely	ADV
fsr-3429	201	22	:	:	PUNCT
fsr-3429	201	23	(	(	PUNCT
fsr-3429	201	24	1	1	X
fsr-3429	201	25	)	)	PUNCT
fsr-3429	201	26	age	age	NOUN
fsr-3429	201	27	,	,	PUNCT
fsr-3429	201	28	(	(	PUNCT
fsr-3429	201	29	2	2	NUM
fsr-3429	201	30	)	)	PUNCT
fsr-3429	201	31	gender	gender	NOUN
fsr-3429	201	32	,	,	PUNCT
fsr-3429	201	33	(	(	PUNCT
fsr-3429	201	34	3	3	NUM
fsr-3429	201	35	)	)	PUNCT
fsr-3429	201	36	race	race	NOUN
fsr-3429	201	37	,	,	PUNCT
fsr-3429	201	38	(	(	PUNCT
fsr-3429	201	39	4	4	X
fsr-3429	201	40	)	)	PUNCT
fsr-3429	201	41	education	education	NOUN
fsr-3429	201	42	level	level	NOUN
fsr-3429	201	43	,	,	PUNCT
fsr-3429	201	44	(	(	PUNCT
fsr-3429	201	45	5	5	X
fsr-3429	201	46	)	)	PUNCT
fsr-3429	201	47	marital	marital	ADJ
fsr-3429	201	48	status	status	NOUN
fsr-3429	201	49	,	,	PUNCT
fsr-3429	201	50	and	and	CCONJ
fsr-3429	201	51	(	(	PUNCT
fsr-3429	201	52	6	6	NUM
fsr-3429	201	53	)	)	PUNCT
fsr-3429	201	54	cost	cost	NOUN
fsr-3429	201	55	of	of	ADP
fsr-3429	201	56	employment	employment	NOUN
fsr-3429	201	57	.	.	PUNCT
fsr-3429	202	1	within	within	ADP
fsr-3429	202	2	the	the	DET
fsr-3429	202	3	race	race	NOUN
fsr-3429	202	4	subset	subset	NOUN
fsr-3429	202	5	,	,	PUNCT
fsr-3429	202	6	respondents	respondent	NOUN
fsr-3429	202	7	are	be	AUX
fsr-3429	202	8	classified	classify	VERB
fsr-3429	202	9	as	as	ADP
fsr-3429	202	10	being	be	AUX
fsr-3429	202	11	either	either	CCONJ
fsr-3429	202	12	white	white	ADJ
fsr-3429	202	13	,	,	PUNCT
fsr-3429	202	14	colored	color	VERB
fsr-3429	202	15	(	(	PUNCT
fsr-3429	202	16	of	of	ADP
fsr-3429	202	17	mixed	mixed	ADJ
fsr-3429	202	18	-	-	PUNCT
fsr-3429	202	19	race	race	NOUN
fsr-3429	202	20	descent	descent	NOUN
fsr-3429	202	21	)	)	PUNCT
fsr-3429	202	22	,	,	PUNCT
fsr-3429	202	23	african	african	PROPN
fsr-3429	202	24	,	,	PUNCT
fsr-3429	202	25	indian	indian	ADJ
fsr-3429	202	26	,	,	PUNCT
fsr-3429	202	27	or	or	CCONJ
fsr-3429	202	28	other	other	ADJ
fsr-3429	202	29	.	.	PUNCT
fsr-3429	203	1	the	the	DET
fsr-3429	203	2	mean	mean	ADJ
fsr-3429	203	3	financial	financial	ADJ
fsr-3429	203	4	literacy	literacy	NOUN
fsr-3429	203	5	score	score	NOUN
fsr-3429	203	6	for	for	ADP
fsr-3429	203	7	the	the	DET
fsr-3429	203	8	total	total	ADJ
fsr-3429	203	9	sample	sample	NOUN
fsr-3429	203	10	is	be	AUX
fsr-3429	203	11	45	45	NUM
fsr-3429	203	12	(	(	PUNCT
fsr-3429	203	13	sd¼	sd¼	NOUN
fsr-3429	203	14	9.8	9.8	NUM
fsr-3429	203	15	;	;	PUNCT
fsr-3429	203	16	median	median	NOUN
fsr-3429	203	17	44	44	NUM
fsr-3429	203	18	)	)	PUNCT
fsr-3429	203	19	.	.	PUNCT
fsr-3429	204	1	the	the	DET
fsr-3429	204	2	distribution	distribution	NOUN
fsr-3429	204	3	is	be	AUX
fsr-3429	204	4	somewhat	somewhat	ADV
fsr-3429	204	5	negatively	negatively	ADV
fsr-3429	204	6	skewed	skew	VERB
fsr-3429	204	7	with	with	ADP
fsr-3429	204	8	a	a	DET
fsr-3429	204	9	minimum	minimum	ADJ
fsr-3429	204	10	value	value	NOUN
fsr-3429	204	11	of	of	ADP
fsr-3429	204	12	28	28	NUM
fsr-3429	204	13	and	and	CCONJ
fsr-3429	204	14	maximum	maximum	NOUN
fsr-3429	204	15	of	of	ADP
fsr-3429	204	16	69	69	NUM
fsr-3429	204	17	.	.	PUNCT
fsr-3429	205	1	when	when	SCONJ
fsr-3429	205	2	analyzed	analyze	VERB
fsr-3429	205	3	for	for	ADP
fsr-3429	205	4	different	different	ADJ
fsr-3429	205	5	socioeconomic	socioeconomic	ADJ
fsr-3429	205	6	characteristics	characteristic	NOUN
fsr-3429	205	7	,	,	PUNCT
fsr-3429	205	8	it	it	PRON
fsr-3429	205	9	is	be	AUX
fsr-3429	205	10	noticeable	noticeable	ADJ
fsr-3429	205	11	that	that	SCONJ
fsr-3429	205	12	male	male	ADJ
fsr-3429	205	13	respondents	respondent	NOUN
fsr-3429	205	14	,	,	PUNCT
fsr-3429	205	15	those	those	DET
fsr-3429	205	16	respondents	respondent	NOUN
fsr-3429	205	17	with	with	ADP
fsr-3429	205	18	postgraduate	postgraduate	NOUN
fsr-3429	205	19	qualification	qualification	NOUN
fsr-3429	205	20	levels	level	NOUN
fsr-3429	205	21	,	,	PUNCT
fsr-3429	205	22	those	those	DET
fsr-3429	205	23	respondents	respondent	NOUN
fsr-3429	205	24	with	with	ADP
fsr-3429	205	25	higher	high	ADJ
fsr-3429	205	26	earnings	earning	NOUN
fsr-3429	205	27	,	,	PUNCT
fsr-3429	205	28	and	and	CCONJ
fsr-3429	205	29	all	all	DET
fsr-3429	205	30	racial	racial	ADJ
fsr-3429	205	31	groupings	grouping	NOUN
fsr-3429	205	32	other	other	ADJ
fsr-3429	205	33	than	than	ADP
fsr-3429	205	34	african	african	ADJ
fsr-3429	205	35	,	,	PUNCT
fsr-3429	205	36	have	have	AUX
fsr-3429	205	37	mean	mean	VERB
fsr-3429	205	38	scores	score	NOUN
fsr-3429	205	39	higher	high	ADJ
fsr-3429	205	40	than	than	ADP
fsr-3429	205	41	the	the	DET
fsr-3429	205	42	average	average	NOUN
fsr-3429	205	43	.	.	PUNCT
fsr-3429	206	1	african	african	ADJ
fsr-3429	206	2	respondents	respondent	NOUN
fsr-3429	206	3	have	have	VERB
fsr-3429	206	4	a	a	DET
fsr-3429	206	5	mean	mean	ADJ
fsr-3429	206	6	score	score	NOUN
fsr-3429	206	7	of	of	ADP
fsr-3429	206	8	44	44	NUM
fsr-3429	206	9	(	(	PUNCT
fsr-3429	206	10	sd¼	sd¼	NOUN
fsr-3429	206	11	9.6	9.6	NUM
fsr-3429	206	12	;	;	PUNCT
fsr-3429	206	13	median	median	NOUN
fsr-3429	206	14	41	41	NUM
fsr-3429	206	15	)	)	PUNCT
fsr-3429	206	16	.	.	PUNCT
fsr-3429	207	1	the	the	DET
fsr-3429	207	2	noticeable	noticeable	ADJ
fsr-3429	207	3	racial	racial	ADJ
fsr-3429	207	4	divide	divide	NOUN
fsr-3429	207	5	between	between	ADP
fsr-3429	207	6	the	the	DET
fsr-3429	207	7	financial	financial	ADJ
fsr-3429	207	8	literacy	literacy	NOUN
fsr-3429	207	9	scores	score	NOUN
fsr-3429	207	10	might	might	AUX
fsr-3429	207	11	be	be	AUX
fsr-3429	207	12	caused	cause	VERB
fsr-3429	207	13	by	by	ADP
fsr-3429	207	14	a	a	DET
fsr-3429	207	15	variety	variety	NOUN
fsr-3429	207	16	of	of	ADP
fsr-3429	207	17	issues	issue	NOUN
fsr-3429	207	18	.	.	PUNCT
fsr-3429	208	1	some	some	DET
fsr-3429	208	2	possible	possible	ADJ
fsr-3429	208	3	explanations	explanation	NOUN
fsr-3429	208	4	include	include	VERB
fsr-3429	208	5	:	:	PUNCT
fsr-3429	208	6	table	table	NOUN
fsr-3429	208	7	1	1	NUM
fsr-3429	208	8	survey	survey	NOUN
fsr-3429	208	9	sample	sample	NOUN
fsr-3429	208	10	(	(	PUNCT
fsr-3429	208	11	n	n	NOUN
fsr-3429	208	12	=	=	SYM
fsr-3429	208	13	753	753	NUM
fsr-3429	208	14	)	)	PUNCT
fsr-3429	208	15	minimum	minimum	ADJ
fsr-3429	208	16	mean	mean	NOUN
fsr-3429	208	17	median	median	ADJ
fsr-3429	208	18	maximum	maximum	ADJ
fsr-3429	208	19	age	age	NOUN
fsr-3429	208	20	24	24	NUM
fsr-3429	208	21	43.16	43.16	NUM
fsr-3429	208	22	44	44	NUM
fsr-3429	208	23	65	65	NUM
fsr-3429	208	24	coe	coe	PROPN
fsr-3429	208	25	(	(	PUNCT
fsr-3429	208	26	in	in	ADP
fsr-3429	208	27	zar	zar	NOUN
fsr-3429	208	28	)	)	PUNCT
fsr-3429	208	29	80	80	NUM
fsr-3429	208	30	778	778	NUM
fsr-3429	208	31	338	338	NUM
fsr-3429	208	32	870	870	NUM
fsr-3429	208	33	273	273	NUM
fsr-3429	208	34	260	260	NUM
fsr-3429	208	35	1	1	NUM
fsr-3429	208	36	916	916	NUM
fsr-3429	208	37	158	158	NUM
fsr-3429	208	38	male	male	ADJ
fsr-3429	208	39	female	female	ADJ
fsr-3429	208	40	gender	gender	NOUN
fsr-3429	208	41	415	415	NUM
fsr-3429	208	42	(	(	PUNCT
fsr-3429	208	43	55	55	NUM
fsr-3429	208	44	%	%	NOUN
fsr-3429	208	45	)	)	PUNCT
fsr-3429	208	46	338	338	NUM
fsr-3429	208	47	(	(	PUNCT
fsr-3429	208	48	45	45	NUM
fsr-3429	208	49	%	%	NOUN
fsr-3429	208	50	)	)	PUNCT
fsr-3429	208	51	african	african	ADJ
fsr-3429	208	52	colored	color	VERB
fsr-3429	208	53	white	white	PROPN
fsr-3429	208	54	indian	indian	ADJ
fsr-3429	208	55	other	other	ADJ
fsr-3429	208	56	race	race	NOUN
fsr-3429	208	57	600.42	600.42	NUM
fsr-3429	208	58	(	(	PUNCT
fsr-3429	208	59	79.74	79.74	NUM
fsr-3429	208	60	%	%	NOUN
fsr-3429	208	61	)	)	PUNCT
fsr-3429	208	62	59.84	59.84	NUM
fsr-3429	208	63	(	(	PUNCT
fsr-3429	208	64	7.95	7.95	NUM
fsr-3429	208	65	%	%	NOUN
fsr-3429	208	66	)	)	PUNCT
fsr-3429	208	67	58.11	58.11	NUM
fsr-3429	208	68	(	(	PUNCT
fsr-3429	208	69	7.72	7.72	NUM
fsr-3429	208	70	%	%	NOUN
fsr-3429	208	71	)	)	PUNCT
fsr-3429	208	72	16.93	16.93	NUM
fsr-3429	208	73	(	(	PUNCT
fsr-3429	208	74	2.25	2.25	NUM
fsr-3429	208	75	%	%	NOUN
fsr-3429	208	76	)	)	PUNCT
fsr-3429	208	77	17.70	17.70	NUM
fsr-3429	208	78	(	(	PUNCT
fsr-3429	208	79	2.35	2.35	NUM
fsr-3429	208	80	%	%	NOUN
fsr-3429	208	81	)	)	PUNCT
fsr-3429	208	82	less	less	ADJ
fsr-3429	208	83	than	than	ADP
fsr-3429	208	84	high	high	ADJ
fsr-3429	208	85	school	school	NOUN
fsr-3429	208	86	high	high	ADJ
fsr-3429	208	87	school	school	NOUN
fsr-3429	208	88	higher	high	ADJ
fsr-3429	208	89	certificate	certificate	NOUN
fsr-3429	208	90	/	/	SYM
fsr-3429	208	91	diploma	diploma	NOUN
fsr-3429	208	92	college	college	NOUN
fsr-3429	208	93	postgraduate	postgraduate	NOUN
fsr-3429	208	94	education	education	NOUN
fsr-3429	208	95	0.33	0.33	NUM
fsr-3429	208	96	(	(	PUNCT
fsr-3429	208	97	0.05	0.05	NUM
fsr-3429	208	98	%	%	NOUN
fsr-3429	208	99	)	)	PUNCT
fsr-3429	208	100	120.87	120.87	NUM
fsr-3429	208	101	(	(	PUNCT
fsr-3429	208	102	18.31	18.31	NUM
fsr-3429	208	103	%	%	NOUN
fsr-3429	208	104	)	)	PUNCT
fsr-3429	208	105	66.78	66.78	NUM
fsr-3429	208	106	(	(	PUNCT
fsr-3429	208	107	10.12	10.12	NUM
fsr-3429	208	108	%	%	NOUN
fsr-3429	208	109	)	)	PUNCT
fsr-3429	208	110	133.96	133.96	NUM
fsr-3429	208	111	(	(	PUNCT
fsr-3429	208	112	20.30	20.30	NUM
fsr-3429	208	113	%	%	NOUN
fsr-3429	208	114	)	)	PUNCT
fsr-3429	208	115	338.05	338.05	NUM
fsr-3429	208	116	(	(	PUNCT
fsr-3429	208	117	51.22	51.22	NUM
fsr-3429	208	118	%	%	NOUN
fsr-3429	208	119	)	)	PUNCT
fsr-3429	208	120	married	married	ADJ
fsr-3429	208	121	single	single	ADJ
fsr-3429	208	122	marital	marital	ADJ
fsr-3429	208	123	status	status	NOUN
fsr-3429	208	124	477.40	477.40	NUM
fsr-3429	208	125	(	(	PUNCT
fsr-3429	208	126	63.40	63.40	NUM
fsr-3429	208	127	%	%	NOUN
fsr-3429	208	128	)	)	PUNCT
fsr-3429	208	129	275.60	275.60	NUM
fsr-3429	208	130	(	(	PUNCT
fsr-3429	208	131	36.60	36.60	NUM
fsr-3429	208	132	%	%	NOUN
fsr-3429	208	133	)	)	PUNCT
fsr-3429	208	134	source	source	NOUN
fsr-3429	208	135	:	:	PUNCT
fsr-3429	208	136	author	author	NOUN
fsr-3429	208	137	’s	’s	PART
fsr-3429	208	138	calculations	calculation	NOUN
fsr-3429	208	139	.	.	PUNCT
fsr-3429	209	1	g.d	g.d	NOUN
fsr-3429	209	2	.	.	PROPN
fsr-3429	209	3	willows	willows	PROPN
fsr-3429	209	4	/	/	SYM
fsr-3429	209	5	financial	financial	ADJ
fsr-3429	209	6	services	service	NOUN
fsr-3429	209	7	review	review	VERB
fsr-3429	209	8	28	28	NUM
fsr-3429	209	9	(	(	PUNCT
fsr-3429	209	10	2020	2020	NUM
fsr-3429	209	11	)	)	PUNCT
fsr-3429	210	1	243–271	243–271	NUM
fsr-3429	210	2	251	251	NUM
fsr-3429	210	3	1	1	NUM
fsr-3429	210	4	.	.	PUNCT
fsr-3429	211	1	the	the	DET
fsr-3429	211	2	survey	survey	NOUN
fsr-3429	211	3	was	be	AUX
fsr-3429	211	4	in	in	ADP
fsr-3429	211	5	the	the	DET
fsr-3429	211	6	english	english	ADJ
fsr-3429	211	7	language	language	NOUN
fsr-3429	211	8	.	.	PUNCT
fsr-3429	212	1	for	for	ADP
fsr-3429	212	2	black	black	ADJ
fsr-3429	212	3	respondents	respondent	NOUN
fsr-3429	212	4	in	in	ADP
fsr-3429	212	5	particular	particular	ADJ
fsr-3429	212	6	,	,	PUNCT
fsr-3429	212	7	this	this	PRON
fsr-3429	212	8	might	might	AUX
fsr-3429	212	9	have	have	AUX
fsr-3429	212	10	been	be	AUX
fsr-3429	212	11	their	their	PRON
fsr-3429	212	12	second	second	ADJ
fsr-3429	212	13	,	,	PUNCT
fsr-3429	212	14	or	or	CCONJ
fsr-3429	212	15	perhaps	perhaps	ADV
fsr-3429	212	16	third	third	ADJ
fsr-3429	212	17	language	language	NOUN
fsr-3429	212	18	(	(	PUNCT
fsr-3429	212	19	gough	gough	PROPN
fsr-3429	212	20	,	,	PUNCT
fsr-3429	212	21	1996	1996	NUM
fsr-3429	212	22	)	)	PUNCT
fsr-3429	212	23	.	.	PUNCT
fsr-3429	213	1	the	the	DET
fsr-3429	213	2	wording	wording	NOUN
fsr-3429	213	3	of	of	ADP
fsr-3429	213	4	the	the	DET
fsr-3429	213	5	financial	financial	ADJ
fsr-3429	213	6	literacy	literacy	NOUN
fsr-3429	213	7	questions	question	NOUN
fsr-3429	213	8	was	be	AUX
fsr-3429	213	9	important	important	ADJ
fsr-3429	213	10	in	in	ADP
fsr-3429	213	11	their	their	PRON
fsr-3429	213	12	construction	construction	NOUN
fsr-3429	213	13	and	and	CCONJ
fsr-3429	213	14	this	this	PRON
fsr-3429	213	15	could	could	AUX
fsr-3429	213	16	have	have	AUX
fsr-3429	213	17	been	be	AUX
fsr-3429	213	18	a	a	DET
fsr-3429	213	19	disadvantage	disadvantage	NOUN
fsr-3429	213	20	to	to	ADP
fsr-3429	213	21	those	those	PRON
fsr-3429	213	22	who	who	PRON
fsr-3429	213	23	are	be	AUX
fsr-3429	213	24	less	less	ADV
fsr-3429	213	25	fluent	fluent	ADJ
fsr-3429	213	26	in	in	ADP
fsr-3429	213	27	english	english	PROPN
fsr-3429	213	28	.	.	PUNCT
fsr-3429	214	1	2	2	X
fsr-3429	214	2	.	.	X
fsr-3429	214	3	as	as	ADP
fsr-3429	214	4	a	a	DET
fsr-3429	214	5	result	result	NOUN
fsr-3429	214	6	of	of	ADP
fsr-3429	214	7	the	the	DET
fsr-3429	214	8	racially	racially	ADV
fsr-3429	214	9	exclusionist	exclusionist	ADJ
fsr-3429	214	10	education	education	NOUN
fsr-3429	214	11	policies	policy	NOUN
fsr-3429	214	12	implemented	implement	VERB
fsr-3429	214	13	during	during	ADP
fsr-3429	214	14	the	the	DET
fsr-3429	214	15	apartheid	apartheid	NOUN
fsr-3429	214	16	years	year	NOUN
fsr-3429	214	17	in	in	ADP
fsr-3429	214	18	south	south	PROPN
fsr-3429	214	19	africa	africa	PROPN
fsr-3429	214	20	,	,	PUNCT
fsr-3429	214	21	many	many	ADJ
fsr-3429	214	22	non	non	ADJ
fsr-3429	214	23	-	-	ADJ
fsr-3429	214	24	white	white	ADJ
fsr-3429	214	25	south	south	PROPN
fsr-3429	214	26	africans	africans	PROPN
fsr-3429	214	27	might	might	AUX
fsr-3429	214	28	have	have	AUX
fsr-3429	214	29	experienced	experience	VERB
fsr-3429	214	30	substandard	substandard	ADJ
fsr-3429	214	31	schooling	schooling	NOUN
fsr-3429	214	32	,	,	PUNCT
fsr-3429	214	33	or	or	CCONJ
fsr-3429	214	34	have	have	AUX
fsr-3429	214	35	grown	grow	VERB
fsr-3429	214	36	up	up	ADP
fsr-3429	214	37	in	in	ADP
fsr-3429	214	38	households	household	NOUN
fsr-3429	214	39	with	with	ADP
fsr-3429	214	40	parents	parent	NOUN
fsr-3429	214	41	who	who	PRON
fsr-3429	214	42	might	might	AUX
fsr-3429	214	43	never	never	ADV
fsr-3429	214	44	have	have	AUX
fsr-3429	214	45	had	have	VERB
fsr-3429	214	46	a	a	DET
fsr-3429	214	47	formal	formal	ADJ
fsr-3429	214	48	qualification	qualification	NOUN
fsr-3429	214	49	or	or	CCONJ
fsr-3429	214	50	exposure	exposure	NOUN
fsr-3429	214	51	to	to	ADP
fsr-3429	214	52	finance	finance	NOUN
fsr-3429	214	53	and	and	CCONJ
fsr-3429	214	54	financial	financial	ADJ
fsr-3429	214	55	instruments	instrument	NOUN
fsr-3429	214	56	(	(	PUNCT
fsr-3429	214	57	draper	draper	NOUN
fsr-3429	214	58	and	and	CCONJ
fsr-3429	214	59	spaull	spaull	ADJ
fsr-3429	214	60	,	,	PUNCT
fsr-3429	214	61	2015	2015	NUM
fsr-3429	214	62	)	)	PUNCT
fsr-3429	214	63	.	.	PUNCT
fsr-3429	215	1	as	as	SCONJ
fsr-3429	215	2	financial	financial	ADJ
fsr-3429	215	3	literacy	literacy	NOUN
fsr-3429	215	4	is	be	AUX
fsr-3429	215	5	often	often	ADV
fsr-3429	215	6	acquired	acquire	VERB
fsr-3429	215	7	over	over	ADP
fsr-3429	215	8	time	time	NOUN
fsr-3429	215	9	,	,	PUNCT
fsr-3429	215	10	this	this	PRON
fsr-3429	215	11	might	might	AUX
fsr-3429	215	12	have	have	AUX
fsr-3429	215	13	been	be	AUX
fsr-3429	215	14	another	another	DET
fsr-3429	215	15	disadvantage	disadvantage	NOUN
fsr-3429	215	16	to	to	ADP
fsr-3429	215	17	non	non	ADJ
fsr-3429	215	18	-	-	ADJ
fsr-3429	215	19	white	white	ADJ
fsr-3429	215	20	respondents	respondent	NOUN
fsr-3429	215	21	.	.	PUNCT
fsr-3429	216	1	furthermore	furthermore	ADV
fsr-3429	216	2	,	,	PUNCT
fsr-3429	216	3	financial	financial	ADJ
fsr-3429	216	4	literacy	literacy	NOUN
fsr-3429	216	5	appears	appear	VERB
fsr-3429	216	6	to	to	PART
fsr-3429	216	7	be	be	AUX
fsr-3429	216	8	at	at	ADP
fsr-3429	216	9	its	its	PRON
fsr-3429	216	10	highest	high	ADJ
fsr-3429	216	11	for	for	ADP
fsr-3429	216	12	those	those	DET
fsr-3429	216	13	over	over	ADP
fsr-3429	216	14	65	65	NUM
fsr-3429	216	15	years	year	NOUN
fsr-3429	216	16	of	of	ADP
fsr-3429	216	17	age	age	NOUN
fsr-3429	216	18	.	.	PUNCT
fsr-3429	217	1	however	however	ADV
fsr-3429	217	2	,	,	PUNCT
fsr-3429	217	3	there	there	PRON
fsr-3429	217	4	were	be	VERB
fsr-3429	217	5	only	only	ADV
fsr-3429	217	6	two	two	NUM
fsr-3429	217	7	respondents	respondent	NOUN
fsr-3429	217	8	over	over	ADP
fsr-3429	217	9	the	the	DET
fsr-3429	217	10	age	age	NOUN
fsr-3429	217	11	of	of	ADP
fsr-3429	217	12	65	65	NUM
fsr-3429	217	13	years	year	NOUN
fsr-3429	217	14	.	.	PUNCT
fsr-3429	218	1	respondents	respondent	NOUN
fsr-3429	218	2	between	between	ADP
fsr-3429	218	3	the	the	DET
fsr-3429	218	4	ages	age	NOUN
fsr-3429	218	5	of	of	ADP
fsr-3429	218	6	35	35	NUM
fsr-3429	218	7	years	year	NOUN
fsr-3429	218	8	to	to	ADP
fsr-3429	218	9	65	65	NUM
fsr-3429	218	10	years	year	NOUN
fsr-3429	218	11	had	have	VERB
fsr-3429	218	12	a	a	DET
fsr-3429	218	13	mean	mean	ADJ
fsr-3429	218	14	financial	financial	ADJ
fsr-3429	218	15	literacy	literacy	NOUN
fsr-3429	218	16	score	score	NOUN
fsr-3429	218	17	lower	low	ADJ
fsr-3429	218	18	than	than	ADP
fsr-3429	218	19	the	the	DET
fsr-3429	218	20	average	average	NOUN
fsr-3429	218	21	.	.	PUNCT
fsr-3429	219	1	this	this	PRON
fsr-3429	219	2	suggests	suggest	VERB
fsr-3429	219	3	a	a	DET
fsr-3429	219	4	decrease	decrease	NOUN
fsr-3429	219	5	in	in	ADP
fsr-3429	219	6	financial	financial	ADJ
fsr-3429	219	7	literacy	literacy	NOUN
fsr-3429	219	8	with	with	ADP
fsr-3429	219	9	age	age	NOUN
fsr-3429	219	10	,	,	PUNCT
fsr-3429	219	11	which	which	PRON
fsr-3429	219	12	is	be	AUX
fsr-3429	219	13	dissimilar	dissimilar	ADJ
fsr-3429	219	14	to	to	ADP
fsr-3429	219	15	the	the	DET
fsr-3429	219	16	finding	finding	NOUN
fsr-3429	219	17	of	of	ADP
fsr-3429	219	18	xu	xu	PROPN
fsr-3429	219	19	and	and	CCONJ
fsr-3429	219	20	zia	zia	PROPN
fsr-3429	219	21	(	(	PUNCT
fsr-3429	219	22	2012	2012	NUM
fsr-3429	219	23	)	)	PUNCT
fsr-3429	219	24	.	.	PUNCT
fsr-3429	220	1	this	this	PRON
fsr-3429	220	2	will	will	AUX
fsr-3429	220	3	be	be	AUX
fsr-3429	220	4	further	far	ADV
fsr-3429	220	5	analyzed	analyze	VERB
fsr-3429	220	6	in	in	ADP
fsr-3429	220	7	the	the	DET
fsr-3429	220	8	regression	regression	NOUN
fsr-3429	220	9	analysis	analysis	NOUN
fsr-3429	220	10	in	in	ADP
fsr-3429	220	11	table	table	NOUN
fsr-3429	220	12	7	7	NUM
fsr-3429	220	13	.	.	PUNCT
fsr-3429	221	1	xu	xu	PROPN
fsr-3429	221	2	and	and	CCONJ
fsr-3429	221	3	zia	zia	PROPN
fsr-3429	221	4	(	(	PUNCT
fsr-3429	221	5	2012	2012	NUM
fsr-3429	221	6	)	)	PUNCT
fsr-3429	221	7	found	find	VERB
fsr-3429	221	8	higher	high	ADJ
fsr-3429	221	9	-	-	PUNCT
fsr-3429	221	10	income	income	NOUN
fsr-3429	221	11	countries	country	NOUN
fsr-3429	221	12	to	to	PART
fsr-3429	221	13	perform	perform	VERB
fsr-3429	221	14	better	well	ADV
fsr-3429	221	15	on	on	ADP
fsr-3429	221	16	financial	financial	ADJ
fsr-3429	221	17	literacy	literacy	NOUN
fsr-3429	221	18	tests	test	NOUN
fsr-3429	221	19	than	than	ADP
fsr-3429	221	20	lower	low	ADJ
fsr-3429	221	21	-	-	PUNCT
fsr-3429	221	22	income	income	NOUN
fsr-3429	221	23	countries	country	NOUN
fsr-3429	221	24	,	,	PUNCT
fsr-3429	221	25	and	and	CCONJ
fsr-3429	221	26	that	that	SCONJ
fsr-3429	221	27	levels	level	NOUN
fsr-3429	221	28	of	of	ADP
fsr-3429	221	29	financial	financial	ADJ
fsr-3429	221	30	literacy	literacy	NOUN
fsr-3429	221	31	followed	follow	VERB
fsr-3429	221	32	an	an	DET
fsr-3429	221	33	inverted	invert	VERB
fsr-3429	221	34	-	-	PUNCT
fsr-3429	221	35	u	u	NOUN
fsr-3429	221	36	shape	shape	NOUN
fsr-3429	221	37	when	when	SCONJ
fsr-3429	221	38	plotted	plot	VERB
fsr-3429	221	39	against	against	ADP
fsr-3429	221	40	age	age	NOUN
fsr-3429	221	41	.	.	PUNCT
fsr-3429	222	1	3.2.2	3.2.2	NUM
fsr-3429	222	2	.	.	PUNCT
fsr-3429	223	1	thinking	think	VERB
fsr-3429	223	2	about	about	ADP
fsr-3429	223	3	retirement	retirement	NOUN
fsr-3429	223	4	to	to	PART
fsr-3429	223	5	determine	determine	VERB
fsr-3429	223	6	what	what	PRON
fsr-3429	223	7	influences	influence	VERB
fsr-3429	223	8	retirement	retirement	NOUN
fsr-3429	223	9	planning	planning	NOUN
fsr-3429	223	10	,	,	PUNCT
fsr-3429	223	11	survey	survey	NOUN
fsr-3429	223	12	respondents	respondent	NOUN
fsr-3429	223	13	were	be	AUX
fsr-3429	223	14	asked	ask	VERB
fsr-3429	223	15	a	a	DET
fsr-3429	223	16	question	question	NOUN
fsr-3429	223	17	assessing	assess	VERB
fsr-3429	223	18	how	how	SCONJ
fsr-3429	223	19	much	much	ADJ
fsr-3429	223	20	they	they	PRON
fsr-3429	223	21	thought	think	VERB
fsr-3429	223	22	about	about	ADP
fsr-3429	223	23	retirement	retirement	NOUN
fsr-3429	223	24	.	.	PUNCT
fsr-3429	224	1	the	the	DET
fsr-3429	224	2	results	result	NOUN
fsr-3429	224	3	are	be	AUX
fsr-3429	224	4	shown	show	VERB
fsr-3429	224	5	in	in	ADP
fsr-3429	224	6	table	table	NOUN
fsr-3429	224	7	5	5	NUM
fsr-3429	224	8	.	.	PUNCT
fsr-3429	225	1	the	the	DET
fsr-3429	225	2	largest	large	ADJ
fsr-3429	225	3	proportion	proportion	NOUN
fsr-3429	225	4	of	of	ADP
fsr-3429	225	5	the	the	DET
fsr-3429	225	6	full	full	ADJ
fsr-3429	225	7	sample	sample	NOUN
fsr-3429	225	8	of	of	ADP
fsr-3429	225	9	respondents	respondent	NOUN
fsr-3429	225	10	have	have	AUX
fsr-3429	225	11	thought	think	VERB
fsr-3429	225	12	about	about	ADP
fsr-3429	225	13	retirement	retirement	NOUN
fsr-3429	225	14	“	"	PUNCT
fsr-3429	225	15	a	a	DET
fsr-3429	225	16	lot	lot	NOUN
fsr-3429	225	17	.	.	PUNCT
fsr-3429	225	18	”	"	PUNCT
fsr-3429	226	1	this	this	DET
fsr-3429	226	2	result	result	NOUN
fsr-3429	226	3	is	be	AUX
fsr-3429	226	4	consistent	consistent	ADJ
fsr-3429	226	5	within	within	ADP
fsr-3429	226	6	most	most	ADJ
fsr-3429	226	7	of	of	ADP
fsr-3429	226	8	the	the	DET
fsr-3429	226	9	socioeconomic	socioeconomic	ADJ
fsr-3429	226	10	cohorts	cohort	NOUN
fsr-3429	226	11	into	into	ADP
fsr-3429	226	12	which	which	PRON
fsr-3429	226	13	the	the	DET
fsr-3429	226	14	full	full	ADJ
fsr-3429	226	15	sample	sample	NOUN
fsr-3429	226	16	is	be	AUX
fsr-3429	226	17	divided	divide	VERB
fsr-3429	226	18	.	.	PUNCT
fsr-3429	227	1	the	the	PRON
fsr-3429	227	2	older	old	ADJ
fsr-3429	227	3	the	the	DET
fsr-3429	227	4	respondent	respondent	NOUN
fsr-3429	227	5	,	,	PUNCT
fsr-3429	227	6	the	the	PRON
fsr-3429	227	7	greater	great	ADJ
fsr-3429	227	8	the	the	DET
fsr-3429	227	9	proportion	proportion	NOUN
fsr-3429	227	10	of	of	ADP
fsr-3429	227	11	respondents	respondent	NOUN
fsr-3429	227	12	who	who	PRON
fsr-3429	227	13	thought	think	VERB
fsr-3429	227	14	about	about	ADP
fsr-3429	227	15	retirement	retirement	NOUN
fsr-3429	227	16	a	a	DET
fsr-3429	227	17	lot	lot	NOUN
fsr-3429	227	18	.	.	PUNCT
fsr-3429	228	1	it	it	PRON
fsr-3429	228	2	might	might	AUX
fsr-3429	228	3	be	be	AUX
fsr-3429	228	4	expected	expect	VERB
fsr-3429	228	5	that	that	SCONJ
fsr-3429	228	6	a	a	DET
fsr-3429	228	7	consumer	consumer	NOUN
fsr-3429	228	8	would	would	AUX
fsr-3429	228	9	be	be	AUX
fsr-3429	228	10	more	more	ADV
fsr-3429	228	11	inclined	inclined	ADJ
fsr-3429	228	12	to	to	PART
fsr-3429	228	13	think	think	VERB
fsr-3429	228	14	about	about	ADP
fsr-3429	228	15	retirement	retirement	NOUN
fsr-3429	228	16	as	as	SCONJ
fsr-3429	228	17	they	they	PRON
fsr-3429	228	18	get	get	VERB
fsr-3429	228	19	older	old	ADJ
fsr-3429	228	20	and	and	CCONJ
fsr-3429	228	21	near	near	ADP
fsr-3429	228	22	retirement	retirement	NOUN
fsr-3429	228	23	.	.	PUNCT
fsr-3429	229	1	table	table	NOUN
fsr-3429	229	2	2	2	NUM
fsr-3429	229	3	percentage	percentage	NOUN
fsr-3429	229	4	of	of	ADP
fsr-3429	229	5	correct	correct	ADJ
fsr-3429	229	6	answers	answer	NOUN
fsr-3429	229	7	by	by	ADP
fsr-3429	229	8	basic	basic	ADJ
fsr-3429	229	9	financial	financial	ADJ
fsr-3429	229	10	literacy	literacy	NOUN
fsr-3429	229	11	question	question	NOUN
fsr-3429	229	12	(	(	PUNCT
fsr-3429	229	13	n=	n=	ADJ
fsr-3429	229	14	753	753	NUM
fsr-3429	229	15	)	)	PUNCT
fsr-3429	229	16	numeracy	numeracy	NOUN
fsr-3429	229	17	inflation	inflation	NOUN
fsr-3429	229	18	time	time	NOUN
fsr-3429	229	19	value	value	NOUN
fsr-3429	229	20	of	of	ADP
fsr-3429	229	21	money	money	NOUN
fsr-3429	229	22	money	money	NOUN
fsr-3429	229	23	illusion	illusion	NOUN
fsr-3429	229	24	correct	correct	ADJ
fsr-3429	229	25	72	72	NUM
fsr-3429	229	26	%	%	NOUN
fsr-3429	229	27	55	55	NUM
fsr-3429	229	28	%	%	NOUN
fsr-3429	229	29	59	59	NUM
fsr-3429	229	30	%	%	NOUN
fsr-3429	229	31	45	45	NUM
fsr-3429	229	32	%	%	NOUN
fsr-3429	229	33	incorrect	incorrect	ADJ
fsr-3429	229	34	7	7	NUM
fsr-3429	229	35	%	%	NOUN
fsr-3429	229	36	12	12	NUM
fsr-3429	229	37	%	%	NOUN
fsr-3429	229	38	28	28	NUM
fsr-3429	229	39	%	%	NOUN
fsr-3429	229	40	51	51	NUM
fsr-3429	229	41	%	%	NOUN
fsr-3429	229	42	do	do	AUX
fsr-3429	229	43	not	not	PART
fsr-3429	229	44	know	know	VERB
fsr-3429	229	45	21	21	NUM
fsr-3429	229	46	%	%	NOUN
fsr-3429	229	47	33	33	NUM
fsr-3429	229	48	%	%	NOUN
fsr-3429	229	49	13	13	NUM
fsr-3429	229	50	%	%	NOUN
fsr-3429	229	51	4	4	NUM
fsr-3429	229	52	%	%	NOUN
fsr-3429	229	53	source	source	NOUN
fsr-3429	229	54	:	:	PUNCT
fsr-3429	229	55	author	author	NOUN
fsr-3429	229	56	’s	’s	PART
fsr-3429	229	57	calculations	calculation	NOUN
fsr-3429	229	58	.	.	PUNCT
fsr-3429	230	1	sample	sample	NOUN
fsr-3429	230	2	weighted	weight	VERB
fsr-3429	230	3	by	by	ADP
fsr-3429	230	4	gender	gender	NOUN
fsr-3429	230	5	and	and	CCONJ
fsr-3429	230	6	race	race	NOUN
fsr-3429	230	7	.	.	PUNCT
fsr-3429	231	1	table	table	NOUN
fsr-3429	231	2	3	3	NUM
fsr-3429	231	3	percentage	percentage	NOUN
fsr-3429	231	4	of	of	ADP
fsr-3429	231	5	correct	correct	ADJ
fsr-3429	231	6	answers	answer	NOUN
fsr-3429	231	7	by	by	ADP
fsr-3429	231	8	advanced	advanced	ADJ
fsr-3429	231	9	financial	financial	ADJ
fsr-3429	231	10	literacy	literacy	NOUN
fsr-3429	231	11	question	question	NOUN
fsr-3429	231	12	(	(	PUNCT
fsr-3429	231	13	n=	n=	ADJ
fsr-3429	231	14	753	753	NUM
fsr-3429	231	15	)	)	PUNCT
fsr-3429	231	16	function	function	NOUN
fsr-3429	231	17	of	of	ADP
fsr-3429	231	18	share	share	NOUN
fsr-3429	231	19	market	market	NOUN
fsr-3429	231	20	knowledge	knowledge	NOUN
fsr-3429	231	21	of	of	ADP
fsr-3429	231	22	shares	share	NOUN
fsr-3429	231	23	knowledge	knowledge	NOUN
fsr-3429	231	24	of	of	ADP
fsr-3429	231	25	cis	cis	NOUN
fsr-3429	231	26	’s	’s	PART
fsr-3429	231	27	knowledge	knowledge	NOUN
fsr-3429	231	28	of	of	ADP
fsr-3429	231	29	bonds	bond	NOUN
fsr-3429	231	30	longperiod	longperiod	NOUN
fsr-3429	231	31	returns	return	VERB
fsr-3429	231	32	highest	high	ADJ
fsr-3429	231	33	variability	variability	NOUN
fsr-3429	231	34	risk	risk	NOUN
fsr-3429	231	35	diversification	diversification	NOUN
fsr-3429	231	36	bond	bond	NOUN
fsr-3429	231	37	principles	principle	NOUN
fsr-3429	231	38	correct	correct	VERB
fsr-3429	231	39	46	46	NUM
fsr-3429	231	40	%	%	NOUN
fsr-3429	231	41	75	75	NUM
fsr-3429	231	42	%	%	NOUN
fsr-3429	231	43	44	44	NUM
fsr-3429	231	44	%	%	NOUN
fsr-3429	231	45	46	46	NUM
fsr-3429	231	46	%	%	NOUN
fsr-3429	231	47	50	50	NUM
fsr-3429	231	48	%	%	NOUN
fsr-3429	231	49	58	58	NUM
fsr-3429	231	50	%	%	NOUN
fsr-3429	231	51	66	66	NUM
fsr-3429	231	52	%	%	NOUN
fsr-3429	231	53	25	25	NUM
fsr-3429	231	54	%	%	NOUN
fsr-3429	231	55	incorrect	incorrect	ADJ
fsr-3429	231	56	19	19	NUM
fsr-3429	231	57	%	%	NOUN
fsr-3429	231	58	12	12	NUM
fsr-3429	231	59	%	%	NOUN
fsr-3429	231	60	14	14	NUM
fsr-3429	231	61	%	%	NOUN
fsr-3429	231	62	28	28	NUM
fsr-3429	231	63	%	%	NOUN
fsr-3429	231	64	38	38	NUM
fsr-3429	231	65	%	%	NOUN
fsr-3429	231	66	18	18	NUM
fsr-3429	231	67	%	%	NOUN
fsr-3429	231	68	20	20	NUM
fsr-3429	231	69	%	%	NOUN
fsr-3429	231	70	32	32	NUM
fsr-3429	231	71	%	%	NOUN
fsr-3429	231	72	do	do	AUX
fsr-3429	231	73	not	not	PART
fsr-3429	231	74	know	know	VERB
fsr-3429	231	75	35	35	NUM
fsr-3429	231	76	%	%	NOUN
fsr-3429	231	77	13	13	NUM
fsr-3429	231	78	%	%	NOUN
fsr-3429	231	79	42	42	NUM
fsr-3429	231	80	%	%	NOUN
fsr-3429	231	81	26	26	NUM
fsr-3429	231	82	%	%	NOUN
fsr-3429	231	83	12	12	NUM
fsr-3429	231	84	%	%	NOUN
fsr-3429	231	85	24	24	NUM
fsr-3429	231	86	%	%	NOUN
fsr-3429	231	87	14	14	NUM
fsr-3429	231	88	%	%	NOUN
fsr-3429	231	89	43	43	NUM
fsr-3429	231	90	%	%	NOUN
fsr-3429	231	91	source	source	NOUN
fsr-3429	231	92	:	:	PUNCT
fsr-3429	231	93	author	author	NOUN
fsr-3429	231	94	’s	’s	PART
fsr-3429	231	95	calculations	calculation	NOUN
fsr-3429	231	96	.	.	PUNCT
fsr-3429	232	1	sample	sample	NOUN
fsr-3429	232	2	weighted	weight	VERB
fsr-3429	232	3	by	by	ADP
fsr-3429	232	4	gender	gender	NOUN
fsr-3429	232	5	and	and	CCONJ
fsr-3429	232	6	race	race	NOUN
fsr-3429	232	7	.	.	PUNCT
fsr-3429	233	1	252	252	NUM
fsr-3429	233	2	g.d	g.d	NOUN
fsr-3429	233	3	.	.	PUNCT
fsr-3429	233	4	willows	willows	PROPN
fsr-3429	233	5	/	/	SYM
fsr-3429	233	6	financial	financial	ADJ
fsr-3429	233	7	services	service	NOUN
fsr-3429	233	8	review	review	VERB
fsr-3429	233	9	28	28	NUM
fsr-3429	233	10	(	(	PUNCT
fsr-3429	233	11	2020	2020	NUM
fsr-3429	233	12	)	)	PUNCT
fsr-3429	234	1	243–271	243–271	NUM
fsr-3429	234	2	3.2.3	3.2.3	NUM
fsr-3429	234	3	.	.	PUNCT
fsr-3429	235	1	planning	plan	VERB
fsr-3429	235	2	for	for	ADP
fsr-3429	235	3	retirement	retirement	NOUN
fsr-3429	235	4	to	to	PART
fsr-3429	235	5	determine	determine	VERB
fsr-3429	235	6	what	what	PRON
fsr-3429	235	7	“	"	PUNCT
fsr-3429	235	8	type	type	NOUN
fsr-3429	235	9	of	of	ADP
fsr-3429	235	10	planner	planner	NOUN
fsr-3429	235	11	”	"	PUNCT
fsr-3429	235	12	each	each	DET
fsr-3429	235	13	respondent	respondent	NOUN
fsr-3429	235	14	is	be	AUX
fsr-3429	235	15	,	,	PUNCT
fsr-3429	235	16	a	a	DET
fsr-3429	235	17	series	series	NOUN
fsr-3429	235	18	of	of	ADP
fsr-3429	235	19	questions	question	NOUN
fsr-3429	235	20	were	be	AUX
fsr-3429	235	21	asked	ask	VERB
fsr-3429	235	22	assessing	assess	VERB
fsr-3429	235	23	whether	whether	SCONJ
fsr-3429	235	24	each	each	DET
fsr-3429	235	25	respondent	respondent	NOUN
fsr-3429	235	26	had	have	AUX
fsr-3429	235	27	tried	try	VERB
fsr-3429	235	28	to	to	PART
fsr-3429	235	29	determine	determine	VERB
fsr-3429	235	30	how	how	SCONJ
fsr-3429	235	31	much	much	ADJ
fsr-3429	235	32	to	to	PART
fsr-3429	235	33	save	save	VERB
fsr-3429	235	34	for	for	ADP
fsr-3429	235	35	retirement	retirement	NOUN
fsr-3429	235	36	,	,	PUNCT
fsr-3429	235	37	whether	whether	SCONJ
fsr-3429	235	38	he	he	PRON
fsr-3429	235	39	or	or	CCONJ
fsr-3429	235	40	she	she	PRON
fsr-3429	235	41	had	have	AUX
fsr-3429	235	42	developed	develop	VERB
fsr-3429	235	43	a	a	DET
fsr-3429	235	44	plan	plan	NOUN
fsr-3429	235	45	to	to	PART
fsr-3429	235	46	do	do	AUX
fsr-3429	235	47	so	so	ADV
fsr-3429	235	48	,	,	PUNCT
fsr-3429	235	49	and	and	CCONJ
fsr-3429	235	50	if	if	SCONJ
fsr-3429	235	51	so	so	ADV
fsr-3429	235	52	,	,	PUNCT
fsr-3429	235	53	whether	whether	SCONJ
fsr-3429	235	54	he	he	PRON
fsr-3429	235	55	or	or	CCONJ
fsr-3429	235	56	she	she	PRON
fsr-3429	235	57	had	have	AUX
fsr-3429	235	58	conformed	conform	VERB
fsr-3429	235	59	to	to	ADP
fsr-3429	235	60	that	that	DET
fsr-3429	235	61	plan	plan	NOUN
fsr-3429	235	62	consistently	consistently	ADV
fsr-3429	235	63	.	.	PUNCT
fsr-3429	236	1	an	an	DET
fsr-3429	236	2	analysis	analysis	NOUN
fsr-3429	236	3	of	of	ADP
fsr-3429	236	4	responses	response	NOUN
fsr-3429	236	5	has	have	AUX
fsr-3429	236	6	enabled	enable	VERB
fsr-3429	236	7	the	the	DET
fsr-3429	236	8	grouping	grouping	NOUN
fsr-3429	236	9	of	of	ADP
fsr-3429	236	10	respondents	respondent	NOUN
fsr-3429	236	11	in	in	ADP
fsr-3429	236	12	a	a	DET
fsr-3429	236	13	manner	manner	NOUN
fsr-3429	236	14	similar	similar	ADJ
fsr-3429	236	15	to	to	ADP
fsr-3429	236	16	that	that	PRON
fsr-3429	236	17	used	use	VERB
fsr-3429	236	18	by	by	ADP
fsr-3429	236	19	lusardi	lusardi	PROPN
fsr-3429	236	20	and	and	CCONJ
fsr-3429	236	21	mitchell	mitchell	PROPN
fsr-3429	236	22	(	(	PUNCT
fsr-3429	236	23	2011	2011	NUM
fsr-3429	236	24	)	)	PUNCT
fsr-3429	236	25	,	,	PUNCT
fsr-3429	236	26	as	as	SCONJ
fsr-3429	236	27	shown	show	VERB
fsr-3429	236	28	in	in	ADP
fsr-3429	236	29	table	table	NOUN
fsr-3429	236	30	6	6	NUM
fsr-3429	236	31	.	.	PUNCT
fsr-3429	236	32	approximately	approximately	ADV
fsr-3429	236	33	27	27	NUM
fsr-3429	236	34	%	%	NOUN
fsr-3429	236	35	of	of	ADP
fsr-3429	236	36	respondents	respondent	NOUN
fsr-3429	236	37	had	have	AUX
fsr-3429	236	38	tried	try	VERB
fsr-3429	236	39	to	to	PART
fsr-3429	236	40	determine	determine	VERB
fsr-3429	236	41	how	how	SCONJ
fsr-3429	236	42	much	much	ADJ
fsr-3429	236	43	to	to	PART
fsr-3429	236	44	save	save	VERB
fsr-3429	236	45	for	for	ADP
fsr-3429	236	46	retirement	retirement	NOUN
fsr-3429	236	47	.	.	PUNCT
fsr-3429	237	1	these	these	DET
fsr-3429	237	2	results	result	NOUN
fsr-3429	237	3	are	be	AUX
fsr-3429	237	4	somewhat	somewhat	ADV
fsr-3429	237	5	less	less	ADV
fsr-3429	237	6	promising	promising	ADJ
fsr-3429	237	7	than	than	ADP
fsr-3429	237	8	the	the	DET
fsr-3429	237	9	31.3	31.3	NUM
fsr-3429	237	10	%	%	NOUN
fsr-3429	237	11	noted	note	VERB
fsr-3429	237	12	by	by	ADP
fsr-3429	237	13	lusardi	lusardi	PROPN
fsr-3429	237	14	and	and	CCONJ
fsr-3429	237	15	mitchell	mitchell	PROPN
fsr-3429	237	16	(	(	PUNCT
fsr-3429	237	17	2011	2011	NUM
fsr-3429	237	18	)	)	PUNCT
fsr-3429	237	19	and	and	CCONJ
fsr-3429	237	20	reflect	reflect	VERB
fsr-3429	237	21	a	a	DET
fsr-3429	237	22	disappointing	disappointing	ADJ
fsr-3429	237	23	result	result	NOUN
fsr-3429	237	24	in	in	ADP
fsr-3429	237	25	the	the	DET
fsr-3429	237	26	sense	sense	NOUN
fsr-3429	237	27	that	that	SCONJ
fsr-3429	237	28	most	most	ADJ
fsr-3429	237	29	respondents	respondent	NOUN
fsr-3429	237	30	have	have	AUX
fsr-3429	237	31	not	not	PART
fsr-3429	237	32	done	do	VERB
fsr-3429	237	33	this	this	DET
fsr-3429	237	34	exercise	exercise	NOUN
fsr-3429	237	35	.	.	PUNCT
fsr-3429	238	1	however	however	ADV
fsr-3429	238	2	,	,	PUNCT
fsr-3429	238	3	several	several	ADJ
fsr-3429	238	4	studies	study	NOUN
fsr-3429	238	5	show	show	VERB
fsr-3429	238	6	a	a	DET
fsr-3429	238	7	similar	similar	ADJ
fsr-3429	238	8	trend	trend	NOUN
fsr-3429	238	9	with	with	ADP
fsr-3429	238	10	few	few	ADJ
fsr-3429	238	11	consumers	consumer	NOUN
fsr-3429	238	12	undertaking	undertake	VERB
fsr-3429	238	13	or	or	CCONJ
fsr-3429	238	14	understanding	understand	VERB
fsr-3429	238	15	retirement	retirement	NOUN
fsr-3429	238	16	planning	planning	NOUN
fsr-3429	238	17	.	.	PUNCT
fsr-3429	239	1	further	far	ADV
fsr-3429	239	2	questioning	question	VERB
fsr-3429	239	3	in	in	ADP
fsr-3429	239	4	the	the	DET
fsr-3429	239	5	survey	survey	NOUN
fsr-3429	239	6	of	of	ADP
fsr-3429	239	7	these	these	DET
fsr-3429	239	8	respondents	respondent	NOUN
fsr-3429	239	9	(	(	PUNCT
fsr-3429	239	10	i.e.	i.e.	X
fsr-3429	239	11	,	,	PUNCT
fsr-3429	239	12	those	those	PRON
fsr-3429	239	13	who	who	PRON
fsr-3429	239	14	had	have	AUX
fsr-3429	239	15	indeed	indeed	ADV
fsr-3429	239	16	tried	try	VERB
fsr-3429	239	17	to	to	PART
fsr-3429	239	18	determine	determine	VERB
fsr-3429	239	19	out	out	ADP
fsr-3429	239	20	how	how	SCONJ
fsr-3429	239	21	much	much	ADJ
fsr-3429	239	22	to	to	PART
fsr-3429	239	23	save	save	VERB
fsr-3429	239	24	for	for	ADP
fsr-3429	239	25	retirement	retirement	NOUN
fsr-3429	239	26	)	)	PUNCT
fsr-3429	239	27	revealed	reveal	VERB
fsr-3429	239	28	that	that	SCONJ
fsr-3429	239	29	almost	almost	ADV
fsr-3429	239	30	15	15	NUM
fsr-3429	239	31	%	%	NOUN
fsr-3429	239	32	of	of	ADP
fsr-3429	239	33	such	such	ADJ
fsr-3429	239	34	respondents	respondent	NOUN
fsr-3429	239	35	had	have	AUX
fsr-3429	239	36	never	never	ADV
fsr-3429	239	37	developed	develop	VERB
fsr-3429	239	38	a	a	DET
fsr-3429	239	39	plan	plan	NOUN
fsr-3429	239	40	to	to	PART
fsr-3429	239	41	undertake	undertake	VERB
fsr-3429	239	42	this	this	DET
fsr-3429	239	43	saving	saving	NOUN
fsr-3429	239	44	.	.	PUNCT
fsr-3429	240	1	these	these	DET
fsr-3429	240	2	respondents	respondent	NOUN
fsr-3429	240	3	are	be	AUX
fsr-3429	240	4	termed	term	VERB
fsr-3429	240	5	“	"	PUNCT
fsr-3429	240	6	simple	simple	ADJ
fsr-3429	240	7	planners	planner	NOUN
fsr-3429	240	8	.	.	PUNCT
fsr-3429	240	9	”	"	PUNCT
fsr-3429	241	1	one	one	NUM
fsr-3429	241	2	-	-	PUNCT
fsr-3429	241	3	third	third	NOUN
fsr-3429	241	4	had	have	AUX
fsr-3429	241	5	developed	develop	VERB
fsr-3429	241	6	a	a	DET
fsr-3429	241	7	plan	plan	NOUN
fsr-3429	241	8	,	,	PUNCT
fsr-3429	241	9	while	while	SCONJ
fsr-3429	241	10	the	the	DET
fsr-3429	241	11	majority	majority	NOUN
fsr-3429	241	12	(	(	PUNCT
fsr-3429	241	13	53.8	53.8	NUM
fsr-3429	241	14	%	%	NOUN
fsr-3429	241	15	)	)	PUNCT
fsr-3429	241	16	had	have	AUX
fsr-3429	241	17	“	"	PUNCT
fsr-3429	241	18	more	more	ADJ
fsr-3429	241	19	or	or	CCONJ
fsr-3429	241	20	less	less	ADJ
fsr-3429	241	21	”	"	PUNCT
fsr-3429	241	22	developed	develop	VERB
fsr-3429	241	23	a	a	DET
fsr-3429	241	24	plan	plan	NOUN
fsr-3429	241	25	.	.	PUNCT
fsr-3429	242	1	these	these	DET
fsr-3429	242	2	two	two	NUM
fsr-3429	242	3	groups	group	NOUN
fsr-3429	242	4	were	be	AUX
fsr-3429	242	5	then	then	ADV
fsr-3429	242	6	further	far	ADV
fsr-3429	242	7	questioned	question	VERB
fsr-3429	242	8	to	to	PART
fsr-3429	242	9	determine	determine	VERB
fsr-3429	242	10	table	table	NOUN
fsr-3429	242	11	4	4	NUM
fsr-3429	242	12	summary	summary	NOUN
fsr-3429	242	13	statistics	statistic	NOUN
fsr-3429	242	14	of	of	ADP
fsr-3429	242	15	financial	financial	ADJ
fsr-3429	242	16	literacy	literacy	NOUN
fsr-3429	242	17	score	score	NOUN
fsr-3429	242	18	mean	mean	VERB
fsr-3429	242	19	median	median	ADJ
fsr-3429	242	20	standard	standard	ADJ
fsr-3429	242	21	deviation	deviation	NOUN
fsr-3429	242	22	total	total	NOUN
fsr-3429	242	23	sample	sample	NOUN
fsr-3429	242	24	(	(	PUNCT
fsr-3429	242	25	n	n	NOUN
fsr-3429	242	26	=	=	SYM
fsr-3429	242	27	753	753	NUM
fsr-3429	242	28	)	)	PUNCT
fsr-3429	242	29	45	45	NUM
fsr-3429	242	30	44	44	NUM
fsr-3429	242	31	9.8	9.8	NUM
fsr-3429	242	32	age	age	NOUN
fsr-3429	242	33	<	<	X
fsr-3429	242	34	35	35	NUM
fsr-3429	242	35	(	(	PUNCT
fsr-3429	242	36	n=	n=	ADJ
fsr-3429	242	37	175	175	NUM
fsr-3429	242	38	)	)	PUNCT
fsr-3429	242	39	47	47	NUM
fsr-3429	242	40	46	46	NUM
fsr-3429	242	41	9.3	9.3	NUM
fsr-3429	242	42	35	35	NUM
fsr-3429	242	43	to	to	ADP
fsr-3429	242	44	49	49	NUM
fsr-3429	242	45	(	(	PUNCT
fsr-3429	242	46	n=	n=	ADJ
fsr-3429	242	47	397	397	NUM
fsr-3429	242	48	)	)	PUNCT
fsr-3429	242	49	44	44	NUM
fsr-3429	242	50	42	42	NUM
fsr-3429	242	51	9.5	9.5	NUM
fsr-3429	242	52	50	50	NUM
fsr-3429	242	53	to	to	ADP
fsr-3429	242	54	64	64	NUM
fsr-3429	242	55	(	(	PUNCT
fsr-3429	242	56	n=	n=	ADJ
fsr-3429	242	57	179	179	NUM
fsr-3429	242	58	)	)	PUNCT
fsr-3429	242	59	44	44	NUM
fsr-3429	242	60	44	44	NUM
fsr-3429	242	61	10.6	10.6	NUM
fsr-3429	242	62	>	>	PUNCT
fsr-3429	243	1	=	=	SYM
fsr-3429	243	2	65	65	NUM
fsr-3429	243	3	(	(	PUNCT
fsr-3429	243	4	n=	n=	ADJ
fsr-3429	243	5	2	2	NUM
fsr-3429	243	6	)	)	PUNCT
fsr-3429	243	7	55	55	NUM
fsr-3429	243	8	57	57	NUM
fsr-3429	243	9	9.9	9.9	NUM
fsr-3429	243	10	gender	gender	NOUN
fsr-3429	243	11	male	male	NOUN
fsr-3429	243	12	(	(	PUNCT
fsr-3429	243	13	n=	n=	ADJ
fsr-3429	243	14	415	415	NUM
fsr-3429	243	15	)	)	PUNCT
fsr-3429	243	16	47	47	NUM
fsr-3429	243	17	46	46	NUM
fsr-3429	243	18	10.4	10.4	NUM
fsr-3429	243	19	female	female	ADJ
fsr-3429	243	20	(	(	PUNCT
fsr-3429	243	21	n=	n=	ADJ
fsr-3429	243	22	338	338	NUM
fsr-3429	243	23	)	)	PUNCT
fsr-3429	243	24	43	43	NUM
fsr-3429	243	25	42	42	NUM
fsr-3429	243	26	8.7	8.7	NUM
fsr-3429	243	27	race	race	NOUN
fsr-3429	243	28	african	african	ADJ
fsr-3429	243	29	(	(	PUNCT
fsr-3429	243	30	n=	n=	ADJ
fsr-3429	243	31	600	600	NUM
fsr-3429	243	32	)	)	PUNCT
fsr-3429	243	33	44	44	NUM
fsr-3429	243	34	41	41	NUM
fsr-3429	243	35	9.6	9.6	NUM
fsr-3429	243	36	colored	color	VERB
fsr-3429	243	37	(	(	PUNCT
fsr-3429	243	38	n=	n=	ADJ
fsr-3429	243	39	60	60	NUM
fsr-3429	243	40	)	)	PUNCT
fsr-3429	243	41	46	46	NUM
fsr-3429	243	42	46	46	NUM
fsr-3429	243	43	7.6	7.6	NUM
fsr-3429	243	44	white	white	ADJ
fsr-3429	243	45	(	(	PUNCT
fsr-3429	243	46	n=	n=	ADJ
fsr-3429	243	47	58	58	NUM
fsr-3429	243	48	)	)	PUNCT
fsr-3429	243	49	55	55	NUM
fsr-3429	243	50	56	56	NUM
fsr-3429	243	51	8.1	8.1	NUM
fsr-3429	243	52	indian	indian	PROPN
fsr-3429	243	53	(	(	PUNCT
fsr-3429	243	54	n=	n=	ADJ
fsr-3429	243	55	17	17	NUM
fsr-3429	243	56	)	)	PUNCT
fsr-3429	243	57	51	51	NUM
fsr-3429	243	58	48	48	NUM
fsr-3429	243	59	9.9	9.9	NUM
fsr-3429	243	60	other	other	ADJ
fsr-3429	243	61	(	(	PUNCT
fsr-3429	243	62	n=	n=	ADJ
fsr-3429	243	63	18	18	NUM
fsr-3429	243	64	)	)	PUNCT
fsr-3429	243	65	52	52	NUM
fsr-3429	243	66	54	54	NUM
fsr-3429	243	67	5.8	5.8	NUM
fsr-3429	243	68	education	education	NOUN
fsr-3429	243	69	less	less	ADJ
fsr-3429	243	70	than	than	ADP
fsr-3429	243	71	high	high	ADJ
fsr-3429	243	72	school	school	NOUN
fsr-3429	243	73	(	(	PUNCT
fsr-3429	243	74	n=	n=	ADJ
fsr-3429	243	75	1	1	NUM
fsr-3429	243	76	)	)	PUNCT
fsr-3429	243	77	34	34	NUM
fsr-3429	243	78	34	34	NUM
fsr-3429	243	79	n	n	CCONJ
fsr-3429	243	80	/	/	SYM
fsr-3429	243	81	a	a	DET
fsr-3429	243	82	high	high	ADJ
fsr-3429	243	83	school	school	NOUN
fsr-3429	243	84	(	(	PUNCT
fsr-3429	243	85	n=	n=	ADJ
fsr-3429	243	86	112	112	NUM
fsr-3429	243	87	)	)	PUNCT
fsr-3429	243	88	42	42	NUM
fsr-3429	243	89	40	40	NUM
fsr-3429	243	90	7.7	7.7	NUM
fsr-3429	243	91	higher	high	ADJ
fsr-3429	243	92	certificate	certificate	NOUN
fsr-3429	243	93	or	or	CCONJ
fsr-3429	243	94	diploma	diploma	NOUN
fsr-3429	243	95	(	(	PUNCT
fsr-3429	243	96	n=	n=	ADJ
fsr-3429	243	97	62	62	NUM
fsr-3429	243	98	)	)	PUNCT
fsr-3429	243	99	41	41	NUM
fsr-3429	243	100	38	38	NUM
fsr-3429	243	101	7.8	7.8	NUM
fsr-3429	243	102	college	college	NOUN
fsr-3429	243	103	(	(	PUNCT
fsr-3429	243	104	n=	n=	ADJ
fsr-3429	243	105	125	125	NUM
fsr-3429	243	106	)	)	PUNCT
fsr-3429	243	107	40	40	NUM
fsr-3429	243	108	40	40	NUM
fsr-3429	243	109	7.0	7.0	NUM
fsr-3429	243	110	postgraduate	postgraduate	NOUN
fsr-3429	243	111	(	(	PUNCT
fsr-3429	243	112	n=	n=	ADJ
fsr-3429	243	113	315	315	NUM
fsr-3429	243	114	)	)	PUNCT
fsr-3429	243	115	51	51	NUM
fsr-3429	243	116	52	52	NUM
fsr-3429	243	117	9.3	9.3	NUM
fsr-3429	243	118	unknown	unknown	ADJ
fsr-3429	243	119	(	(	PUNCT
fsr-3429	243	120	n=	n=	ADJ
fsr-3429	243	121	138	138	NUM
fsr-3429	243	122	)	)	PUNCT
fsr-3429	243	123	40	40	NUM
fsr-3429	243	124	40	40	NUM
fsr-3429	243	125	8.2	8.2	NUM
fsr-3429	243	126	marital	marital	ADJ
fsr-3429	243	127	status	status	NOUN
fsr-3429	243	128	married	marry	VERB
fsr-3429	243	129	(	(	PUNCT
fsr-3429	243	130	n=	n=	ADJ
fsr-3429	243	131	477	477	NUM
fsr-3429	243	132	)	)	PUNCT
fsr-3429	243	133	45	45	NUM
fsr-3429	243	134	43	43	NUM
fsr-3429	243	135	10.4	10.4	NUM
fsr-3429	243	136	single	single	ADJ
fsr-3429	243	137	(	(	PUNCT
fsr-3429	243	138	n=	n=	ADJ
fsr-3429	243	139	276	276	NUM
fsr-3429	243	140	)	)	PUNCT
fsr-3429	243	141	45	45	NUM
fsr-3429	243	142	44	44	NUM
fsr-3429	243	143	8.8	8.8	NUM
fsr-3429	243	144	cost	cost	NOUN
fsr-3429	243	145	of	of	ADP
fsr-3429	243	146	employment	employment	NOUN
fsr-3429	243	147	<	<	X
fsr-3429	243	148	r400	r400	PROPN
fsr-3429	243	149	000	000	NUM
fsr-3429	243	150	p.a	p.a	PROPN
fsr-3429	243	151	.	.	PUNCT
fsr-3429	243	152	(	(	PUNCT
fsr-3429	243	153	n=	n=	ADJ
fsr-3429	243	154	520	520	NUM
fsr-3429	243	155	)	)	PUNCT
fsr-3429	243	156	42	42	NUM
fsr-3429	243	157	40	40	NUM
fsr-3429	243	158	7.8	7.8	NUM
fsr-3429	243	159	>	>	PUNCT
fsr-3429	243	160	r400	r400	PROPN
fsr-3429	243	161	000	000	NUM
fsr-3429	243	162	p.a	p.a	PROPN
fsr-3429	243	163	.	.	PUNCT
fsr-3429	244	1	(	(	PUNCT
fsr-3429	244	2	n=	n=	ADJ
fsr-3429	244	3	233	233	NUM
fsr-3429	244	4	)	)	PUNCT
fsr-3429	244	5	53	53	NUM
fsr-3429	244	6	54	54	NUM
fsr-3429	244	7	9.5	9.5	NUM
fsr-3429	244	8	source	source	NOUN
fsr-3429	244	9	:	:	PUNCT
fsr-3429	244	10	author	author	NOUN
fsr-3429	244	11	’s	’s	PART
fsr-3429	244	12	calculations	calculation	NOUN
fsr-3429	244	13	.	.	PUNCT
fsr-3429	245	1	sample	sample	NOUN
fsr-3429	245	2	weighted	weight	VERB
fsr-3429	245	3	by	by	ADP
fsr-3429	245	4	gender	gender	NOUN
fsr-3429	245	5	and	and	CCONJ
fsr-3429	245	6	race	race	NOUN
fsr-3429	245	7	.	.	PUNCT
fsr-3429	246	1	g.d	g.d	NOUN
fsr-3429	246	2	.	.	PROPN
fsr-3429	246	3	willows	willows	PROPN
fsr-3429	246	4	/	/	SYM
fsr-3429	246	5	financial	financial	ADJ
fsr-3429	246	6	services	service	NOUN
fsr-3429	246	7	review	review	VERB
fsr-3429	246	8	28	28	NUM
fsr-3429	246	9	(	(	PUNCT
fsr-3429	246	10	2020	2020	NUM
fsr-3429	246	11	)	)	PUNCT
fsr-3429	247	1	243–271	243–271	NUM
fsr-3429	247	2	253	253	NUM
fsr-3429	247	3	whether	whether	SCONJ
fsr-3429	247	4	they	they	PRON
fsr-3429	247	5	were	be	AUX
fsr-3429	247	6	able	able	ADJ
fsr-3429	247	7	to	to	PART
fsr-3429	247	8	conform	conform	VERB
fsr-3429	247	9	to	to	ADP
fsr-3429	247	10	the	the	DET
fsr-3429	247	11	plan	plan	NOUN
fsr-3429	247	12	that	that	PRON
fsr-3429	247	13	they	they	PRON
fsr-3429	247	14	had	have	VERB
fsr-3429	247	15	(	(	PUNCT
fsr-3429	247	16	or	or	CCONJ
fsr-3429	247	17	more	more	ADJ
fsr-3429	247	18	or	or	CCONJ
fsr-3429	247	19	less	less	ADJ
fsr-3429	247	20	had	have	AUX
fsr-3429	247	21	)	)	PUNCT
fsr-3429	247	22	developed	develop	VERB
fsr-3429	247	23	.	.	PUNCT
fsr-3429	248	1	a	a	DET
fsr-3429	248	2	cumulative	cumulative	ADJ
fsr-3429	248	3	22.5	22.5	NUM
fsr-3429	248	4	%	%	NOUN
fsr-3429	248	5	of	of	ADP
fsr-3429	248	6	these	these	DET
fsr-3429	248	7	respondents	respondent	NOUN
fsr-3429	248	8	had	have	AUX
fsr-3429	248	9	rarely	rarely	ADV
fsr-3429	248	10	or	or	CCONJ
fsr-3429	248	11	never	never	ADV
fsr-3429	248	12	conformed	conform	VERB
fsr-3429	248	13	to	to	ADP
fsr-3429	248	14	the	the	DET
fsr-3429	248	15	plan	plan	NOUN
fsr-3429	248	16	.	.	PUNCT
fsr-3429	249	1	these	these	DET
fsr-3429	249	2	respondents	respondent	NOUN
fsr-3429	249	3	are	be	AUX
fsr-3429	249	4	termed	term	VERB
fsr-3429	249	5	“	"	PUNCT
fsr-3429	249	6	serious	serious	ADJ
fsr-3429	249	7	planners	planner	NOUN
fsr-3429	249	8	,	,	PUNCT
fsr-3429	249	9	”	"	PUNCT
fsr-3429	249	10	that	that	PRON
fsr-3429	249	11	is	be	AUX
fsr-3429	249	12	,	,	PUNCT
fsr-3429	249	13	they	they	PRON
fsr-3429	249	14	developed	develop	VERB
fsr-3429	249	15	a	a	DET
fsr-3429	249	16	plan	plan	NOUN
fsr-3429	249	17	,	,	PUNCT
fsr-3429	249	18	but	but	CCONJ
fsr-3429	249	19	just	just	ADV
fsr-3429	249	20	could	could	AUX
fsr-3429	249	21	not	not	PART
fsr-3429	249	22	conform	conform	VERB
fsr-3429	249	23	to	to	ADP
fsr-3429	249	24	it	it	PRON
fsr-3429	249	25	.	.	PUNCT
fsr-3429	250	1	the	the	DET
fsr-3429	250	2	remaining	remain	VERB
fsr-3429	250	3	respondents	respondent	NOUN
fsr-3429	250	4	,	,	PUNCT
fsr-3429	250	5	who	who	PRON
fsr-3429	250	6	“	"	PUNCT
fsr-3429	250	7	always	always	ADV
fsr-3429	250	8	”	"	PUNCT
fsr-3429	250	9	or	or	CCONJ
fsr-3429	250	10	“	"	PUNCT
fsr-3429	250	11	mostly	mostly	ADV
fsr-3429	250	12	”	"	PUNCT
fsr-3429	250	13	conformed	conform	VERB
fsr-3429	250	14	to	to	ADP
fsr-3429	250	15	their	their	PRON
fsr-3429	250	16	plans	plan	NOUN
fsr-3429	250	17	are	be	AUX
fsr-3429	250	18	termed	term	VERB
fsr-3429	250	19	“	"	PUNCT
fsr-3429	250	20	successful	successful	ADJ
fsr-3429	250	21	planners	planner	NOUN
fsr-3429	250	22	.	.	PUNCT
fsr-3429	250	23	”	"	PUNCT
fsr-3429	251	1	these	these	DET
fsr-3429	251	2	“	"	PUNCT
fsr-3429	251	3	successful	successful	ADJ
fsr-3429	251	4	planners	planner	NOUN
fsr-3429	251	5	”	"	PUNCT
fsr-3429	251	6	represent	represent	VERB
fsr-3429	251	7	17	17	NUM
fsr-3429	251	8	%	%	NOUN
fsr-3429	251	9	of	of	ADP
fsr-3429	251	10	the	the	DET
fsr-3429	251	11	total	total	ADJ
fsr-3429	251	12	sample	sample	NOUN
fsr-3429	251	13	.	.	PUNCT
fsr-3429	252	1	most	most	ADJ
fsr-3429	252	2	of	of	ADP
fsr-3429	252	3	the	the	DET
fsr-3429	252	4	total	total	ADJ
fsr-3429	252	5	sample	sample	NOUN
fsr-3429	252	6	(	(	PUNCT
fsr-3429	252	7	73	73	NUM
fsr-3429	252	8	%	%	NOUN
fsr-3429	252	9	)	)	PUNCT
fsr-3429	252	10	have	have	AUX
fsr-3429	252	11	never	never	ADV
fsr-3429	252	12	tried	try	VERB
fsr-3429	252	13	to	to	PART
fsr-3429	252	14	determine	determine	VERB
fsr-3429	252	15	how	how	SCONJ
fsr-3429	252	16	much	much	ADJ
fsr-3429	252	17	they	they	PRON
fsr-3429	252	18	will	will	AUX
fsr-3429	252	19	need	need	VERB
fsr-3429	252	20	for	for	ADP
fsr-3429	252	21	their	their	PRON
fsr-3429	252	22	retirement	retirement	NOUN
fsr-3429	252	23	.	.	PUNCT
fsr-3429	253	1	this	this	DET
fsr-3429	253	2	grouping	grouping	NOUN
fsr-3429	253	3	is	be	AUX
fsr-3429	253	4	termed	term	VERB
fsr-3429	253	5	“	"	PUNCT
fsr-3429	253	6	not	not	PART
fsr-3429	253	7	a	a	DET
fsr-3429	253	8	planner	planner	NOUN
fsr-3429	253	9	.	.	PUNCT
fsr-3429	253	10	”	"	PUNCT
fsr-3429	254	1	3.2.4	3.2.4	NUM
fsr-3429	254	2	.	.	PUNCT
fsr-3429	254	3	financial	financial	ADJ
fsr-3429	254	4	behavior	behavior	NOUN
fsr-3429	254	5	and	and	CCONJ
fsr-3429	254	6	attitude	attitude	NOUN
fsr-3429	254	7	a	a	DET
fsr-3429	254	8	score	score	NOUN
fsr-3429	254	9	representing	represent	VERB
fsr-3429	254	10	each	each	DET
fsr-3429	254	11	respondent	respondent	NOUN
fsr-3429	254	12	’s	’s	PART
fsr-3429	254	13	financial	financial	ADJ
fsr-3429	254	14	behavior	behavior	NOUN
fsr-3429	254	15	and	and	CCONJ
fsr-3429	254	16	attitude	attitude	NOUN
fsr-3429	254	17	was	be	AUX
fsr-3429	254	18	calculated	calculate	VERB
fsr-3429	254	19	to	to	PART
fsr-3429	254	20	assess	assess	VERB
fsr-3429	254	21	whether	whether	SCONJ
fsr-3429	254	22	the	the	DET
fsr-3429	254	23	positive	positive	ADJ
fsr-3429	254	24	outcomes	outcome	NOUN
fsr-3429	254	25	of	of	ADP
fsr-3429	254	26	being	be	AUX
fsr-3429	254	27	financially	financially	ADV
fsr-3429	254	28	knowledgeable	knowledgeable	ADJ
fsr-3429	254	29	are	be	AUX
fsr-3429	254	30	driving	drive	VERB
fsr-3429	254	31	behavior	behavior	NOUN
fsr-3429	254	32	and	and	CCONJ
fsr-3429	254	33	whether	whether	SCONJ
fsr-3429	254	34	a	a	DET
fsr-3429	254	35	respondent	respondent	NOUN
fsr-3429	254	36	’s	’s	PART
fsr-3429	254	37	financial	financial	ADJ
fsr-3429	254	38	attitude	attitude	NOUN
fsr-3429	254	39	drives	drive	VERB
fsr-3429	254	40	his	his	PRON
fsr-3429	254	41	/	/	SYM
fsr-3429	254	42	her	her	PRON
fsr-3429	254	43	behavior	behavior	NOUN
fsr-3429	254	44	.	.	PUNCT
fsr-3429	255	1	these	these	DET
fsr-3429	255	2	scores	score	NOUN
fsr-3429	255	3	were	be	AUX
fsr-3429	255	4	derived	derive	VERB
fsr-3429	255	5	using	use	VERB
fsr-3429	255	6	a	a	DET
fsr-3429	255	7	graded	grade	VERB
fsr-3429	255	8	response	response	NOUN
fsr-3429	255	9	model	model	NOUN
fsr-3429	255	10	(	(	PUNCT
fsr-3429	255	11	see	see	VERB
fsr-3429	255	12	appendix	appendix	NOUN
fsr-3429	255	13	c	c	NOUN
fsr-3429	255	14	for	for	ADP
fsr-3429	255	15	the	the	DET
fsr-3429	255	16	questions	question	NOUN
fsr-3429	255	17	)	)	PUNCT
fsr-3429	255	18	.	.	PUNCT
fsr-3429	256	1	persons	person	NOUN
fsr-3429	256	2	scores	score	NOUN
fsr-3429	256	3	were	be	AUX
fsr-3429	256	4	again	again	ADV
fsr-3429	256	5	transformed	transform	VERB
fsr-3429	256	6	to	to	ADP
fsr-3429	256	7	t	t	PROPN
fsr-3429	256	8	-	-	PUNCT
fsr-3429	256	9	scores	score	NOUN
fsr-3429	256	10	.	.	PUNCT
fsr-3429	257	1	most	most	ADJ
fsr-3429	257	2	of	of	ADP
fsr-3429	257	3	the	the	DET
fsr-3429	257	4	items	item	NOUN
fsr-3429	257	5	had	have	VERB
fsr-3429	257	6	great	great	ADJ
fsr-3429	257	7	overlap	overlap	NOUN
fsr-3429	257	8	among	among	ADP
fsr-3429	257	9	many	many	ADJ
fsr-3429	257	10	of	of	ADP
fsr-3429	257	11	the	the	DET
fsr-3429	257	12	response	response	NOUN
fsr-3429	257	13	categories	category	NOUN
fsr-3429	257	14	,	,	PUNCT
fsr-3429	257	15	resulting	result	VERB
fsr-3429	257	16	in	in	ADP
fsr-3429	257	17	those	those	DET
fsr-3429	257	18	categories	category	NOUN
fsr-3429	257	19	offering	offer	VERB
fsr-3429	257	20	little	little	ADJ
fsr-3429	257	21	in	in	ADP
fsr-3429	257	22	terms	term	NOUN
fsr-3429	257	23	of	of	ADP
fsr-3429	257	24	placing	place	VERB
fsr-3429	257	25	people	people	NOUN
fsr-3429	257	26	on	on	ADP
fsr-3429	257	27	the	the	DET
fsr-3429	257	28	scale	scale	NOUN
fsr-3429	257	29	.	.	PUNCT
fsr-3429	258	1	the	the	DET
fsr-3429	258	2	test	test	NOUN
fsr-3429	258	3	information	information	NOUN
fsr-3429	258	4	function	function	NOUN
fsr-3429	258	5	showed	show	VERB
fsr-3429	258	6	that	that	SCONJ
fsr-3429	258	7	for	for	ADP
fsr-3429	258	8	both	both	CCONJ
fsr-3429	258	9	the	the	DET
fsr-3429	258	10	behavior	behavior	NOUN
fsr-3429	258	11	and	and	CCONJ
fsr-3429	258	12	attitude	attitude	NOUN
fsr-3429	258	13	instrument	instrument	NOUN
fsr-3429	258	14	,	,	PUNCT
fsr-3429	258	15	all	all	DET
fsr-3429	258	16	seven	seven	NUM
fsr-3429	258	17	behavior	behavior	NOUN
fsr-3429	258	18	items	item	NOUN
fsr-3429	258	19	table	table	VERB
fsr-3429	258	20	5	5	NUM
fsr-3429	258	21	responses	response	NOUN
fsr-3429	258	22	to	to	ADP
fsr-3429	258	23	“	"	PUNCT
fsr-3429	258	24	thinking	think	VERB
fsr-3429	258	25	about	about	ADP
fsr-3429	258	26	retirement	retirement	NOUN
fsr-3429	258	27	”	"	PUNCT
fsr-3429	258	28	by	by	ADP
fsr-3429	258	29	socioeconomic	socioeconomic	ADJ
fsr-3429	258	30	characteristics	characteristic	NOUN
fsr-3429	258	31	how	how	SCONJ
fsr-3429	258	32	much	much	ADJ
fsr-3429	258	33	have	have	AUX
fsr-3429	258	34	you	you	PRON
fsr-3429	258	35	thought	think	VERB
fsr-3429	258	36	about	about	ADP
fsr-3429	258	37	retirement	retirement	NOUN
fsr-3429	258	38	?	?	PUNCT
fsr-3429	259	1	a	a	DET
fsr-3429	259	2	lot	lot	NOUN
fsr-3429	259	3	some	some	DET
fsr-3429	259	4	only	only	ADV
fsr-3429	259	5	a	a	DET
fsr-3429	259	6	little	little	ADJ
fsr-3429	259	7	not	not	PART
fsr-3429	259	8	at	at	ADV
fsr-3429	259	9	all	all	DET
fsr-3429	259	10	full	full	ADJ
fsr-3429	259	11	sample	sample	NOUN
fsr-3429	259	12	(	(	PUNCT
fsr-3429	259	13	n	n	NOUN
fsr-3429	259	14	=	=	SYM
fsr-3429	259	15	753	753	NUM
fsr-3429	259	16	)	)	PUNCT
fsr-3429	259	17	35.4	35.4	NUM
fsr-3429	259	18	%	%	NOUN
fsr-3429	259	19	27.0	27.0	NUM
fsr-3429	259	20	%	%	NOUN
fsr-3429	259	21	29.4	29.4	NUM
fsr-3429	259	22	%	%	NOUN
fsr-3429	259	23	8.2	8.2	NUM
fsr-3429	259	24	%	%	NOUN
fsr-3429	259	25	age	age	NOUN
fsr-3429	259	26	<	<	X
fsr-3429	259	27	35	35	NUM
fsr-3429	259	28	(	(	PUNCT
fsr-3429	259	29	n=	n=	ADJ
fsr-3429	259	30	175	175	NUM
fsr-3429	259	31	)	)	PUNCT
fsr-3429	259	32	24.2	24.2	NUM
fsr-3429	259	33	%	%	NOUN
fsr-3429	259	34	22.7	22.7	NUM
fsr-3429	259	35	%	%	NOUN
fsr-3429	259	36	35.5	35.5	NUM
fsr-3429	259	37	%	%	NOUN
fsr-3429	259	38	17.6	17.6	NUM
fsr-3429	259	39	%	%	NOUN
fsr-3429	259	40	35	35	NUM
fsr-3429	259	41	to	to	ADP
fsr-3429	259	42	49	49	NUM
fsr-3429	259	43	(	(	PUNCT
fsr-3429	259	44	n=	n=	ADJ
fsr-3429	259	45	397	397	NUM
fsr-3429	259	46	)	)	PUNCT
fsr-3429	259	47	26.8	26.8	NUM
fsr-3429	259	48	%	%	NOUN
fsr-3429	259	49	33.3	33.3	NUM
fsr-3429	259	50	%	%	NOUN
fsr-3429	259	51	34.0	34.0	NUM
fsr-3429	259	52	%	%	NOUN
fsr-3429	259	53	5.8	5.8	NUM
fsr-3429	259	54	%	%	NOUN
fsr-3429	259	55	50	50	NUM
fsr-3429	259	56	to	to	PART
fsr-3429	259	57	64	64	NUM
fsr-3429	259	58	(	(	PUNCT
fsr-3429	259	59	n=	n=	ADJ
fsr-3429	259	60	179	179	NUM
fsr-3429	259	61	)	)	PUNCT
fsr-3429	259	62	64.8	64.8	NUM
fsr-3429	259	63	%	%	NOUN
fsr-3429	259	64	17.0	17.0	NUM
fsr-3429	259	65	%	%	NOUN
fsr-3429	259	66	13.7	13.7	NUM
fsr-3429	259	67	%	%	NOUN
fsr-3429	259	68	4.5	4.5	NUM
fsr-3429	259	69	%	%	NOUN
fsr-3429	259	70	>	>	PUNCT
fsr-3429	259	71	=	=	SYM
fsr-3429	259	72	65	65	NUM
fsr-3429	259	73	(	(	PUNCT
fsr-3429	259	74	n=	n=	ADJ
fsr-3429	259	75	2	2	NUM
fsr-3429	259	76	)	)	PUNCT
fsr-3429	259	77	74.1	74.1	NUM
fsr-3429	259	78	%	%	NOUN
fsr-3429	259	79	19.7	19.7	NUM
fsr-3429	259	80	%	%	NOUN
fsr-3429	259	81	6.2	6.2	NUM
fsr-3429	259	82	%	%	NOUN
fsr-3429	259	83	0.0	0.0	NUM
fsr-3429	259	84	%	%	NOUN
fsr-3429	259	85	gender	gender	NOUN
fsr-3429	259	86	male	male	NOUN
fsr-3429	259	87	(	(	PUNCT
fsr-3429	259	88	n=	n=	ADJ
fsr-3429	259	89	415	415	NUM
fsr-3429	259	90	)	)	PUNCT
fsr-3429	259	91	29.3	29.3	NUM
fsr-3429	259	92	%	%	NOUN
fsr-3429	259	93	30.0	30.0	NUM
fsr-3429	259	94	%	%	NOUN
fsr-3429	259	95	32.7	32.7	NUM
fsr-3429	259	96	%	%	NOUN
fsr-3429	259	97	8.0	8.0	NUM
fsr-3429	259	98	%	%	NOUN
fsr-3429	259	99	female	female	NOUN
fsr-3429	259	100	(	(	PUNCT
fsr-3429	259	101	n=	n=	ADJ
fsr-3429	259	102	338	338	NUM
fsr-3429	259	103	)	)	PUNCT
fsr-3429	259	104	42.8	42.8	NUM
fsr-3429	259	105	%	%	NOUN
fsr-3429	259	106	23.3	23.3	NUM
fsr-3429	259	107	%	%	NOUN
fsr-3429	259	108	25.4	25.4	NUM
fsr-3429	259	109	%	%	NOUN
fsr-3429	259	110	8.5	8.5	NUM
fsr-3429	259	111	%	%	NOUN
fsr-3429	259	112	race	race	NOUN
fsr-3429	259	113	african	african	ADJ
fsr-3429	259	114	(	(	PUNCT
fsr-3429	259	115	n=	n=	ADJ
fsr-3429	259	116	600	600	NUM
fsr-3429	259	117	)	)	PUNCT
fsr-3429	259	118	34.2	34.2	NUM
fsr-3429	259	119	%	%	NOUN
fsr-3429	259	120	23.3	23.3	NUM
fsr-3429	259	121	%	%	NOUN
fsr-3429	259	122	32.9	32.9	NUM
fsr-3429	259	123	%	%	NOUN
fsr-3429	259	124	9.6	9.6	NUM
fsr-3429	259	125	%	%	NOUN
fsr-3429	259	126	colored	colored	ADJ
fsr-3429	259	127	(	(	PUNCT
fsr-3429	259	128	n=	n=	ADJ
fsr-3429	259	129	60	60	NUM
fsr-3429	259	130	)	)	PUNCT
fsr-3429	259	131	40.7	40.7	NUM
fsr-3429	259	132	%	%	NOUN
fsr-3429	259	133	33.4	33.4	NUM
fsr-3429	259	134	%	%	NOUN
fsr-3429	259	135	20.0	20.0	NUM
fsr-3429	259	136	%	%	NOUN
fsr-3429	259	137	6.0	6.0	NUM
fsr-3429	259	138	%	%	NOUN
fsr-3429	259	139	white	white	ADJ
fsr-3429	259	140	(	(	PUNCT
fsr-3429	259	141	n=	n=	ADJ
fsr-3429	259	142	58	58	NUM
fsr-3429	259	143	)	)	PUNCT
fsr-3429	259	144	41.5	41.5	NUM
fsr-3429	259	145	%	%	NOUN
fsr-3429	259	146	45.9	45.9	NUM
fsr-3429	259	147	%	%	NOUN
fsr-3429	259	148	11.1	11.1	NUM
fsr-3429	259	149	%	%	NOUN
fsr-3429	259	150	1.5	1.5	NUM
fsr-3429	259	151	%	%	NOUN
fsr-3429	259	152	indian	indian	PROPN
fsr-3429	259	153	(	(	PUNCT
fsr-3429	259	154	n=	n=	ADJ
fsr-3429	259	155	17	17	NUM
fsr-3429	259	156	)	)	PUNCT
fsr-3429	259	157	41.9	41.9	NUM
fsr-3429	259	158	%	%	NOUN
fsr-3429	259	159	41.4	41.4	NUM
fsr-3429	259	160	%	%	NOUN
fsr-3429	259	161	16.7	16.7	NUM
fsr-3429	259	162	%	%	NOUN
fsr-3429	259	163	0.0	0.0	NUM
fsr-3429	259	164	%	%	NOUN
fsr-3429	259	165	other	other	ADJ
fsr-3429	259	166	(	(	PUNCT
fsr-3429	259	167	n=	n=	ADJ
fsr-3429	259	168	18	18	NUM
fsr-3429	259	169	)	)	PUNCT
fsr-3429	259	170	30.6	30.6	NUM
fsr-3429	259	171	%	%	NOUN
fsr-3429	259	172	53.0	53.0	NUM
fsr-3429	259	173	%	%	NOUN
fsr-3429	259	174	16.3	16.3	NUM
fsr-3429	259	175	%	%	NOUN
fsr-3429	259	176	0.0	0.0	NUM
fsr-3429	259	177	%	%	NOUN
fsr-3429	259	178	education	education	NOUN
fsr-3429	259	179	less	less	ADJ
fsr-3429	259	180	than	than	ADP
fsr-3429	259	181	high	high	ADJ
fsr-3429	259	182	school	school	NOUN
fsr-3429	259	183	(	(	PUNCT
fsr-3429	259	184	n=	n=	ADJ
fsr-3429	259	185	1	1	NUM
fsr-3429	259	186	)	)	PUNCT
fsr-3429	259	187	0.0	0.0	NUM
fsr-3429	259	188	%	%	NOUN
fsr-3429	259	189	100	100	NUM
fsr-3429	259	190	%	%	NOUN
fsr-3429	259	191	0.0	0.0	NUM
fsr-3429	259	192	%	%	NOUN
fsr-3429	259	193	0.0	0.0	NUM
fsr-3429	259	194	%	%	NOUN
fsr-3429	259	195	high	high	ADJ
fsr-3429	259	196	school	school	NOUN
fsr-3429	259	197	(	(	PUNCT
fsr-3429	259	198	n=	n=	ADJ
fsr-3429	259	199	112	112	NUM
fsr-3429	259	200	)	)	PUNCT
fsr-3429	259	201	40.8	40.8	NUM
fsr-3429	259	202	%	%	NOUN
fsr-3429	259	203	14.8	14.8	NUM
fsr-3429	259	204	%	%	NOUN
fsr-3429	259	205	44.3	44.3	NUM
fsr-3429	259	206	%	%	NOUN
fsr-3429	259	207	0.2	0.2	NUM
fsr-3429	259	208	%	%	NOUN
fsr-3429	259	209	higher	high	ADJ
fsr-3429	259	210	certificate	certificate	NOUN
fsr-3429	259	211	or	or	CCONJ
fsr-3429	259	212	diploma	diploma	NOUN
fsr-3429	259	213	(	(	PUNCT
fsr-3429	259	214	n=	n=	ADJ
fsr-3429	259	215	62	62	NUM
fsr-3429	259	216	)	)	PUNCT
fsr-3429	259	217	29.2	29.2	NUM
fsr-3429	259	218	%	%	NOUN
fsr-3429	259	219	23.4	23.4	NUM
fsr-3429	259	220	%	%	NOUN
fsr-3429	259	221	30.2	30.2	NUM
fsr-3429	259	222	%	%	NOUN
fsr-3429	259	223	17.1	17.1	NUM
fsr-3429	259	224	%	%	NOUN
fsr-3429	259	225	college	college	NOUN
fsr-3429	259	226	(	(	PUNCT
fsr-3429	259	227	n=	n=	ADJ
fsr-3429	259	228	125	125	NUM
fsr-3429	259	229	)	)	PUNCT
fsr-3429	259	230	37.9	37.9	NUM
fsr-3429	259	231	%	%	NOUN
fsr-3429	259	232	35.6	35.6	NUM
fsr-3429	259	233	%	%	NOUN
fsr-3429	259	234	17.3	17.3	NUM
fsr-3429	259	235	%	%	NOUN
fsr-3429	259	236	9.3	9.3	NUM
fsr-3429	259	237	%	%	NOUN
fsr-3429	259	238	postgraduate	postgraduate	NOUN
fsr-3429	259	239	(	(	PUNCT
fsr-3429	259	240	n=	n=	ADJ
fsr-3429	259	241	315	315	NUM
fsr-3429	259	242	)	)	PUNCT
fsr-3429	259	243	33.9	33.9	NUM
fsr-3429	259	244	%	%	NOUN
fsr-3429	259	245	35.3	35.3	NUM
fsr-3429	259	246	%	%	NOUN
fsr-3429	259	247	28.3	28.3	NUM
fsr-3429	259	248	%	%	NOUN
fsr-3429	259	249	2.4	2.4	NUM
fsr-3429	259	250	%	%	NOUN
fsr-3429	259	251	unknown	unknown	ADJ
fsr-3429	259	252	(	(	PUNCT
fsr-3429	259	253	n=	n=	ADJ
fsr-3429	259	254	138	138	NUM
fsr-3429	259	255	)	)	PUNCT
fsr-3429	259	256	34.9	34.9	NUM
fsr-3429	259	257	%	%	NOUN
fsr-3429	259	258	11.5	11.5	NUM
fsr-3429	259	259	%	%	NOUN
fsr-3429	259	260	30.6	30.6	NUM
fsr-3429	259	261	%	%	NOUN
fsr-3429	259	262	23.1	23.1	NUM
fsr-3429	259	263	%	%	NOUN
fsr-3429	259	264	marital	marital	ADJ
fsr-3429	259	265	status	status	NOUN
fsr-3429	259	266	married	marry	VERB
fsr-3429	259	267	(	(	PUNCT
fsr-3429	259	268	n=	n=	ADJ
fsr-3429	259	269	477	477	NUM
fsr-3429	259	270	)	)	PUNCT
fsr-3429	259	271	35.0	35.0	NUM
fsr-3429	259	272	%	%	NOUN
fsr-3429	259	273	31.3	31.3	NUM
fsr-3429	259	274	%	%	NOUN
fsr-3429	259	275	23.8	23.8	NUM
fsr-3429	259	276	%	%	NOUN
fsr-3429	259	277	10.0	10.0	NUM
fsr-3429	259	278	%	%	NOUN
fsr-3429	259	279	single	single	ADJ
fsr-3429	259	280	(	(	PUNCT
fsr-3429	259	281	n=	n=	ADJ
fsr-3429	259	282	276	276	NUM
fsr-3429	259	283	)	)	PUNCT
fsr-3429	259	284	36.0	36.0	NUM
fsr-3429	259	285	%	%	NOUN
fsr-3429	259	286	19.5	19.5	NUM
fsr-3429	259	287	%	%	NOUN
fsr-3429	259	288	39.2	39.2	NUM
fsr-3429	259	289	%	%	NOUN
fsr-3429	259	290	5.3	5.3	NUM
fsr-3429	259	291	%	%	NOUN
fsr-3429	259	292	cost	cost	NOUN
fsr-3429	259	293	of	of	ADP
fsr-3429	259	294	employment	employment	NOUN
fsr-3429	259	295	<	<	X
fsr-3429	259	296	r400	r400	PROPN
fsr-3429	259	297	000	000	NUM
fsr-3429	259	298	p.a	p.a	PROPN
fsr-3429	259	299	.	.	PUNCT
fsr-3429	260	1	(	(	PUNCT
fsr-3429	260	2	n=	n=	ADJ
fsr-3429	260	3	520	520	NUM
fsr-3429	260	4	)	)	PUNCT
fsr-3429	260	5	33.9	33.9	NUM
fsr-3429	260	6	%	%	NOUN
fsr-3429	260	7	21.7	21.7	NUM
fsr-3429	260	8	%	%	NOUN
fsr-3429	260	9	32.8	32.8	NUM
fsr-3429	260	10	%	%	NOUN
fsr-3429	260	11	11.7	11.7	NUM
fsr-3429	260	12	%	%	NOUN
fsr-3429	260	13	>	>	X
fsr-3429	260	14	r400	r400	PROPN
fsr-3429	260	15	000	000	NUM
fsr-3429	260	16	p.a	p.a	PROPN
fsr-3429	260	17	.	.	PUNCT
fsr-3429	261	1	(	(	PUNCT
fsr-3429	261	2	n=	n=	ADJ
fsr-3429	261	3	233	233	NUM
fsr-3429	261	4	)	)	PUNCT
fsr-3429	261	5	38.8	38.8	NUM
fsr-3429	261	6	%	%	NOUN
fsr-3429	261	7	38.8	38.8	NUM
fsr-3429	261	8	%	%	NOUN
fsr-3429	261	9	22.0	22.0	NUM
fsr-3429	261	10	%	%	NOUN
fsr-3429	261	11	0.5	0.5	NUM
fsr-3429	261	12	%	%	NOUN
fsr-3429	261	13	source	source	NOUN
fsr-3429	261	14	:	:	PUNCT
fsr-3429	261	15	author	author	NOUN
fsr-3429	261	16	’s	’s	PART
fsr-3429	261	17	calculations	calculation	NOUN
fsr-3429	261	18	.	.	PUNCT
fsr-3429	262	1	sample	sample	NOUN
fsr-3429	262	2	weighted	weight	VERB
fsr-3429	262	3	by	by	ADP
fsr-3429	262	4	gender	gender	NOUN
fsr-3429	262	5	and	and	CCONJ
fsr-3429	262	6	race	race	NOUN
fsr-3429	262	7	.	.	PUNCT
fsr-3429	263	1	254	254	NUM
fsr-3429	263	2	g.d	g.d	NOUN
fsr-3429	263	3	.	.	PUNCT
fsr-3429	263	4	willows	willows	PROPN
fsr-3429	263	5	/	/	SYM
fsr-3429	263	6	financial	financial	ADJ
fsr-3429	263	7	services	service	NOUN
fsr-3429	263	8	review	review	VERB
fsr-3429	263	9	28	28	NUM
fsr-3429	263	10	(	(	PUNCT
fsr-3429	263	11	2020	2020	NUM
fsr-3429	263	12	)	)	PUNCT
fsr-3429	263	13	243–271	243–271	NUM
fsr-3429	263	14	and	and	CCONJ
fsr-3429	263	15	all	all	DET
fsr-3429	263	16	three	three	NUM
fsr-3429	263	17	attitude	attitude	NOUN
fsr-3429	263	18	items	item	NOUN
fsr-3429	263	19	provided	provide	VERB
fsr-3429	263	20	the	the	DET
fsr-3429	263	21	most	most	ADJ
fsr-3429	263	22	information	information	NOUN
fsr-3429	263	23	about	about	ADP
fsr-3429	263	24	participants	participant	NOUN
fsr-3429	263	25	.	.	PUNCT
fsr-3429	264	1	trait	trait	NOUN
fsr-3429	264	2	levels	level	NOUN
fsr-3429	264	3	were	be	AUX
fsr-3429	264	4	in	in	ADP
fsr-3429	264	5	the	the	DET
fsr-3429	264	6	lower	low	ADJ
fsr-3429	264	7	to	to	PART
fsr-3429	264	8	midrange	midrange	VERB
fsr-3429	264	9	of	of	ADP
fsr-3429	264	10	the	the	DET
fsr-3429	264	11	presumed	presume	VERB
fsr-3429	264	12	latent	latent	ADJ
fsr-3429	264	13	financial	financial	ADJ
fsr-3429	264	14	behavior	behavior	NOUN
fsr-3429	264	15	continuum	continuum	ADJ
fsr-3429	264	16	and	and	CCONJ
fsr-3429	264	17	in	in	ADP
fsr-3429	264	18	the	the	DET
fsr-3429	264	19	mid	mid	ADJ
fsr-3429	264	20	to	to	ADP
fsr-3429	264	21	upper	upper	ADJ
fsr-3429	264	22	range	range	NOUN
fsr-3429	264	23	of	of	ADP
fsr-3429	264	24	the	the	DET
fsr-3429	264	25	presumed	presume	VERB
fsr-3429	264	26	latent	latent	ADJ
fsr-3429	264	27	financial	financial	ADJ
fsr-3429	264	28	attitude	attitude	NOUN
fsr-3429	264	29	continuum	continuum	ADJ
fsr-3429	264	30	.	.	PUNCT
fsr-3429	265	1	the	the	DET
fsr-3429	265	2	cronbach	cronbach	NOUN
fsr-3429	265	3	’s	’s	NOUN
fsr-3429	265	4	a	a	PRON
fsr-3429	265	5	on	on	ADP
fsr-3429	265	6	the	the	DET
fsr-3429	265	7	financial	financial	ADJ
fsr-3429	265	8	behavior	behavior	NOUN
fsr-3429	265	9	items	item	NOUN
fsr-3429	265	10	and	and	CCONJ
fsr-3429	265	11	financial	financial	ADJ
fsr-3429	265	12	attitude	attitude	NOUN
fsr-3429	265	13	items	item	NOUN
fsr-3429	265	14	was	be	AUX
fsr-3429	265	15	0.76	0.76	NUM
fsr-3429	265	16	and	and	CCONJ
fsr-3429	265	17	0.70	0.70	NUM
fsr-3429	265	18	,	,	PUNCT
fsr-3429	265	19	respectively	respectively	ADV
fsr-3429	265	20	.	.	PUNCT
fsr-3429	266	1	the	the	DET
fsr-3429	266	2	financial	financial	ADJ
fsr-3429	266	3	behavior	behavior	NOUN
fsr-3429	266	4	and	and	CCONJ
fsr-3429	266	5	attitude	attitude	NOUN
fsr-3429	266	6	scores	score	NOUN
fsr-3429	266	7	had	have	VERB
fsr-3429	266	8	a	a	DET
fsr-3429	266	9	mean	mean	NOUN
fsr-3429	266	10	of	of	ADP
fsr-3429	266	11	48	48	NUM
fsr-3429	266	12	and	and	CCONJ
fsr-3429	266	13	50	50	NUM
fsr-3429	266	14	,	,	PUNCT
fsr-3429	266	15	and	and	CCONJ
fsr-3429	266	16	median	median	NOUN
fsr-3429	266	17	of	of	ADP
fsr-3429	266	18	49	49	NUM
fsr-3429	266	19	and	and	CCONJ
fsr-3429	266	20	50	50	NUM
fsr-3429	266	21	,	,	PUNCT
fsr-3429	266	22	respectively	respectively	ADV
fsr-3429	266	23	(	(	PUNCT
fsr-3429	266	24	with	with	ADP
fsr-3429	266	25	a	a	DET
fsr-3429	266	26	maximum	maximum	NOUN
fsr-3429	266	27	of	of	ADP
fsr-3429	266	28	66	66	NUM
fsr-3429	266	29	on	on	ADP
fsr-3429	266	30	the	the	DET
fsr-3429	266	31	behavior	behavior	NOUN
fsr-3429	266	32	scale	scale	NOUN
fsr-3429	266	33	and	and	CCONJ
fsr-3429	266	34	a	a	DET
fsr-3429	266	35	maximum	maximum	NOUN
fsr-3429	266	36	of	of	ADP
fsr-3429	266	37	62	62	NUM
fsr-3429	266	38	on	on	ADP
fsr-3429	266	39	the	the	DET
fsr-3429	266	40	attitude	attitude	NOUN
fsr-3429	266	41	scale	scale	NOUN
fsr-3429	266	42	)	)	PUNCT
fsr-3429	266	43	.	.	PUNCT
fsr-3429	267	1	a	a	DET
fsr-3429	267	2	higher	high	ADJ
fsr-3429	267	3	score	score	NOUN
fsr-3429	267	4	indicates	indicate	VERB
fsr-3429	267	5	better	well	ADJ
fsr-3429	267	6	behavior	behavior	NOUN
fsr-3429	267	7	and	and	CCONJ
fsr-3429	267	8	attitude	attitude	NOUN
fsr-3429	267	9	towards	towards	ADP
fsr-3429	267	10	financial	financial	ADJ
fsr-3429	267	11	decisions	decision	NOUN
fsr-3429	267	12	.	.	PUNCT
fsr-3429	268	1	both	both	DET
fsr-3429	268	2	scores	score	NOUN
fsr-3429	268	3	showed	show	VERB
fsr-3429	268	4	negatively	negatively	ADV
fsr-3429	268	5	skewed	skewed	ADJ
fsr-3429	268	6	distributions	distribution	NOUN
fsr-3429	268	7	.	.	PUNCT
fsr-3429	269	1	4	4	X
fsr-3429	269	2	.	.	X
fsr-3429	269	3	results	result	VERB
fsr-3429	269	4	the	the	DET
fsr-3429	269	5	results	result	NOUN
fsr-3429	269	6	are	be	AUX
fsr-3429	269	7	presented	present	VERB
fsr-3429	269	8	in	in	ADP
fsr-3429	269	9	the	the	DET
fsr-3429	269	10	same	same	ADJ
fsr-3429	269	11	four	four	NUM
fsr-3429	269	12	themes	theme	NOUN
fsr-3429	269	13	,	,	PUNCT
fsr-3429	269	14	but	but	CCONJ
fsr-3429	269	15	with	with	ADP
fsr-3429	269	16	specific	specific	ADJ
fsr-3429	269	17	emphasis	emphasis	NOUN
fsr-3429	269	18	on	on	ADP
fsr-3429	269	19	the	the	DET
fsr-3429	269	20	factors	factor	NOUN
fsr-3429	269	21	influencing	influence	VERB
fsr-3429	269	22	those	those	DET
fsr-3429	269	23	variables	variable	NOUN
fsr-3429	269	24	.	.	PUNCT
fsr-3429	270	1	multivariate	multivariate	NOUN
fsr-3429	270	2	regression	regression	NOUN
fsr-3429	270	3	analyses	analysis	NOUN
fsr-3429	270	4	are	be	AUX
fsr-3429	270	5	performed	perform	VERB
fsr-3429	270	6	at	at	ADP
fsr-3429	270	7	each	each	DET
fsr-3429	270	8	stage	stage	NOUN
fsr-3429	270	9	to	to	PART
fsr-3429	270	10	assess	assess	VERB
fsr-3429	270	11	the	the	DET
fsr-3429	270	12	relationship	relationship	NOUN
fsr-3429	270	13	among	among	ADP
fsr-3429	270	14	variables	variable	NOUN
fsr-3429	270	15	.	.	PUNCT
fsr-3429	271	1	following	follow	VERB
fsr-3429	271	2	that	that	PRON
fsr-3429	271	3	,	,	PUNCT
fsr-3429	271	4	a	a	DET
fsr-3429	271	5	mediation	mediation	NOUN
fsr-3429	271	6	analysis	analysis	NOUN
fsr-3429	271	7	is	be	AUX
fsr-3429	271	8	performed	perform	VERB
fsr-3429	271	9	.	.	PUNCT
fsr-3429	272	1	4.1	4.1	NUM
fsr-3429	272	2	.	.	PUNCT
fsr-3429	272	3	factors	factor	NOUN
fsr-3429	272	4	influencing	influence	VERB
fsr-3429	272	5	financial	financial	ADJ
fsr-3429	272	6	literacy	literacy	NOUN
fsr-3429	272	7	after	after	ADP
fsr-3429	272	8	determining	determine	VERB
fsr-3429	272	9	each	each	DET
fsr-3429	272	10	respondent	respondent	NOUN
fsr-3429	272	11	’s	’s	PART
fsr-3429	272	12	financial	financial	ADJ
fsr-3429	272	13	literacy	literacy	NOUN
fsr-3429	272	14	score	score	NOUN
fsr-3429	272	15	,	,	PUNCT
fsr-3429	272	16	an	an	DET
fsr-3429	272	17	ordinary	ordinary	ADJ
fsr-3429	272	18	least	least	ADJ
fsr-3429	272	19	squares	square	NOUN
fsr-3429	272	20	(	(	PUNCT
fsr-3429	272	21	ols	ol	NOUN
fsr-3429	272	22	)	)	PUNCT
fsr-3429	272	23	regression	regression	NOUN
fsr-3429	272	24	was	be	AUX
fsr-3429	272	25	performed	perform	VERB
fsr-3429	272	26	to	to	PART
fsr-3429	272	27	determine	determine	VERB
fsr-3429	272	28	whether	whether	SCONJ
fsr-3429	272	29	any	any	DET
fsr-3429	272	30	factors	factor	NOUN
fsr-3429	272	31	have	have	VERB
fsr-3429	272	32	a	a	DET
fsr-3429	272	33	relationship	relationship	NOUN
fsr-3429	272	34	with	with	ADP
fsr-3429	272	35	financial	financial	ADJ
fsr-3429	272	36	literacy	literacy	NOUN
fsr-3429	272	37	.	.	PUNCT
fsr-3429	273	1	the	the	DET
fsr-3429	273	2	regression	regression	NOUN
fsr-3429	273	3	analyses	analysis	NOUN
fsr-3429	273	4	were	be	AUX
fsr-3429	273	5	performed	perform	VERB
fsr-3429	273	6	using	use	VERB
fsr-3429	273	7	robust	robust	ADJ
fsr-3429	273	8	standard	standard	ADJ
fsr-3429	273	9	errors	error	NOUN
fsr-3429	273	10	to	to	PART
fsr-3429	273	11	account	account	VERB
fsr-3429	273	12	for	for	ADP
fsr-3429	273	13	heteroskedasticity	heteroskedasticity	NOUN
fsr-3429	273	14	.	.	PUNCT
fsr-3429	274	1	the	the	DET
fsr-3429	274	2	assumption	assumption	NOUN
fsr-3429	274	3	of	of	ADP
fsr-3429	274	4	homoskedasticity	homoskedasticity	NOUN
fsr-3429	274	5	was	be	AUX
fsr-3429	274	6	evaluated	evaluate	VERB
fsr-3429	274	7	using	use	VERB
fsr-3429	274	8	the	the	DET
fsr-3429	274	9	breusch	breusch	ADV
fsr-3429	274	10	-	-	PUNCT
fsr-3429	274	11	pagan	pagan	VERB
fsr-3429	274	12	/	/	SYM
fsr-3429	274	13	cook	cook	PROPN
fsr-3429	274	14	-	-	PUNCT
fsr-3429	274	15	weisberg	weisberg	PROPN
fsr-3429	274	16	test	test	NOUN
fsr-3429	274	17	(	(	PUNCT
fsr-3429	274	18	x2(1)¼	x2(1)¼	PROPN
fsr-3429	274	19	43.62	43.62	NUM
fsr-3429	274	20	,	,	PUNCT
fsr-3429	274	21	p¼<0.001	p¼<0.001	PROPN
fsr-3429	274	22	)	)	PUNCT
fsr-3429	274	23	.	.	PUNCT
fsr-3429	275	1	the	the	DET
fsr-3429	275	2	independent	independent	ADJ
fsr-3429	275	3	variables	variable	NOUN
fsr-3429	275	4	listed	list	VERB
fsr-3429	275	5	are	be	AUX
fsr-3429	275	6	standard	standard	ADJ
fsr-3429	275	7	variables	variable	NOUN
fsr-3429	275	8	which	which	PRON
fsr-3429	275	9	the	the	DET
fsr-3429	275	10	literature	literature	NOUN
fsr-3429	275	11	has	have	AUX
fsr-3429	275	12	found	find	VERB
fsr-3429	275	13	to	to	PART
fsr-3429	275	14	be	be	AUX
fsr-3429	275	15	explanatory	explanatory	ADJ
fsr-3429	275	16	(	(	PUNCT
fsr-3429	275	17	atkinson	atkinson	PROPN
fsr-3429	275	18	&	&	CCONJ
fsr-3429	275	19	messy	messy	PROPN
fsr-3429	275	20	,	,	PUNCT
fsr-3429	275	21	2012	2012	NUM
fsr-3429	275	22	;	;	PUNCT
fsr-3429	275	23	lusardi	lusardi	PROPN
fsr-3429	275	24	&	&	CCONJ
fsr-3429	275	25	mitchell	mitchell	PROPN
fsr-3429	275	26	,	,	PUNCT
fsr-3429	275	27	2011	2011	NUM
fsr-3429	275	28	,	,	PUNCT
fsr-3429	275	29	2017	2017	NUM
fsr-3429	275	30	;	;	PUNCT
fsr-3429	275	31	van	van	PROPN
fsr-3429	275	32	rooij	rooij	NOUN
fsr-3429	275	33	et	et	PROPN
fsr-3429	275	34	al	al	PROPN
fsr-3429	275	35	.	.	PROPN
fsr-3429	275	36	,	,	PUNCT
fsr-3429	275	37	2011	2011	NUM
fsr-3429	275	38	)	)	PUNCT
fsr-3429	275	39	.	.	PUNCT
fsr-3429	276	1	the	the	DET
fsr-3429	276	2	reference	reference	NOUN
fsr-3429	276	3	groups	group	NOUN
fsr-3429	276	4	for	for	ADP
fsr-3429	276	5	the	the	DET
fsr-3429	276	6	racial	racial	ADJ
fsr-3429	276	7	categories	category	NOUN
fsr-3429	276	8	grouping	grouping	NOUN
fsr-3429	276	9	and	and	CCONJ
fsr-3429	276	10	education	education	NOUN
fsr-3429	276	11	level	level	NOUN
fsr-3429	276	12	variables	variable	NOUN
fsr-3429	276	13	will	will	AUX
fsr-3429	276	14	be	be	AUX
fsr-3429	276	15	the	the	DET
fsr-3429	276	16	white	white	ADJ
fsr-3429	276	17	racial	racial	ADJ
fsr-3429	276	18	group	group	NOUN
fsr-3429	276	19	and	and	CCONJ
fsr-3429	276	20	high	high	ADJ
fsr-3429	276	21	school	school	NOUN
fsr-3429	276	22	education	education	NOUN
fsr-3429	276	23	,	,	PUNCT
fsr-3429	276	24	respectively	respectively	ADV
fsr-3429	276	25	.	.	PUNCT
fsr-3429	277	1	the	the	DET
fsr-3429	277	2	results	result	NOUN
fsr-3429	277	3	are	be	AUX
fsr-3429	277	4	shown	show	VERB
fsr-3429	277	5	in	in	ADP
fsr-3429	277	6	table	table	NOUN
fsr-3429	277	7	7	7	NUM
fsr-3429	277	8	.	.	PUNCT
fsr-3429	278	1	the	the	DET
fsr-3429	278	2	model	model	NOUN
fsr-3429	278	3	is	be	AUX
fsr-3429	278	4	as	as	SCONJ
fsr-3429	278	5	follows	follow	VERB
fsr-3429	278	6	:	:	PUNCT
fsr-3429	278	7	table	table	NOUN
fsr-3429	278	8	6	6	NUM
fsr-3429	278	9	proportion	proportion	NOUN
fsr-3429	278	10	of	of	ADP
fsr-3429	278	11	planners	planner	NOUN
fsr-3429	278	12	in	in	ADP
fsr-3429	278	13	respective	respective	ADJ
fsr-3429	278	14	sub	sub	NOUN
fsr-3429	278	15	-	-	ADJ
fsr-3429	278	16	groups	group	NOUN
fsr-3429	278	17	successful	successful	ADJ
fsr-3429	278	18	planner	planner	NOUN
fsr-3429	278	19	serious	serious	ADJ
fsr-3429	278	20	planner	planner	NOUN
fsr-3429	278	21	simple	simple	ADJ
fsr-3429	278	22	planner	planner	NOUN
fsr-3429	278	23	not	not	PART
fsr-3429	278	24	a	a	DET
fsr-3429	278	25	planner	planner	NOUN
fsr-3429	278	26	did	do	AUX
fsr-3429	278	27	you	you	PRON
fsr-3429	278	28	ever	ever	ADV
fsr-3429	278	29	try	try	VERB
fsr-3429	278	30	to	to	PART
fsr-3429	278	31	figure	figure	VERB
fsr-3429	278	32	out	out	ADP
fsr-3429	278	33	how	how	SCONJ
fsr-3429	278	34	much	much	ADJ
fsr-3429	278	35	to	to	PART
fsr-3429	278	36	save	save	VERB
fsr-3429	278	37	for	for	ADP
fsr-3429	278	38	retirement	retirement	NOUN
fsr-3429	278	39	?	?	PUNCT
fsr-3429	279	1	yes	yes	INTJ
fsr-3429	280	1	no	no	DET
fsr-3429	280	2	26.9	26.9	NUM
fsr-3429	280	3	%	%	NOUN
fsr-3429	280	4	(	(	PUNCT
fsr-3429	280	5	n=	n=	ADJ
fsr-3429	280	6	203	203	NUM
fsr-3429	280	7	)	)	PUNCT
fsr-3429	280	8	73.1	73.1	NUM
fsr-3429	280	9	%	%	NOUN
fsr-3429	280	10	(	(	PUNCT
fsr-3429	280	11	n=	n=	ADJ
fsr-3429	280	12	550	550	NUM
fsr-3429	280	13	)	)	PUNCT
fsr-3429	280	14	did	do	AUX
fsr-3429	280	15	you	you	PRON
fsr-3429	280	16	develop	develop	VERB
fsr-3429	280	17	a	a	DET
fsr-3429	280	18	plan	plan	NOUN
fsr-3429	280	19	?	?	PUNCT
fsr-3429	281	1	yes	yes	INTJ
fsr-3429	281	2	more	more	ADJ
fsr-3429	281	3	or	or	CCONJ
fsr-3429	281	4	less	less	ADJ
fsr-3429	281	5	no	no	DET
fsr-3429	281	6	31.3	31.3	NUM
fsr-3429	281	7	%	%	NOUN
fsr-3429	281	8	(	(	PUNCT
fsr-3429	281	9	n=	n=	ADJ
fsr-3429	281	10	64	64	NUM
fsr-3429	281	11	)	)	PUNCT
fsr-3429	281	12	53.8	53.8	NUM
fsr-3429	281	13	%	%	NOUN
fsr-3429	281	14	(	(	PUNCT
fsr-3429	281	15	n=	n=	ADJ
fsr-3429	281	16	109	109	NUM
fsr-3429	281	17	)	)	PUNCT
fsr-3429	281	18	14.9	14.9	NUM
fsr-3429	281	19	%	%	NOUN
fsr-3429	281	20	(	(	PUNCT
fsr-3429	281	21	n=	n=	ADJ
fsr-3429	281	22	30	30	NUM
fsr-3429	281	23	)	)	PUNCT
fsr-3429	281	24	were	be	AUX
fsr-3429	281	25	you	you	PRON
fsr-3429	281	26	able	able	ADJ
fsr-3429	281	27	to	to	PART
fsr-3429	281	28	stick	stick	VERB
fsr-3429	281	29	to	to	ADP
fsr-3429	281	30	the	the	DET
fsr-3429	281	31	plan	plan	NOUN
fsr-3429	281	32	?	?	PUNCT
fsr-3429	282	1	always	always	ADV
fsr-3429	282	2	mostly	mostly	ADV
fsr-3429	282	3	rarely	rarely	ADV
fsr-3429	282	4	never	never	ADV
fsr-3429	282	5	23.1	23.1	NUM
fsr-3429	282	6	%	%	NOUN
fsr-3429	282	7	(	(	PUNCT
fsr-3429	282	8	n=	n=	ADJ
fsr-3429	282	9	40	40	NUM
fsr-3429	282	10	)	)	PUNCT
fsr-3429	282	11	51.4	51.4	NUM
fsr-3429	282	12	%	%	NOUN
fsr-3429	282	13	(	(	PUNCT
fsr-3429	282	14	n=	n=	ADJ
fsr-3429	282	15	89	89	NUM
fsr-3429	282	16	)	)	PUNCT
fsr-3429	282	17	19.1	19.1	NUM
fsr-3429	282	18	%	%	NOUN
fsr-3429	282	19	(	(	PUNCT
fsr-3429	282	20	n=	n=	ADJ
fsr-3429	282	21	33	33	NUM
fsr-3429	282	22	)	)	PUNCT
fsr-3429	282	23	6.4	6.4	NUM
fsr-3429	282	24	%	%	NOUN
fsr-3429	282	25	(	(	PUNCT
fsr-3429	282	26	n=	n=	ADJ
fsr-3429	282	27	11	11	NUM
fsr-3429	282	28	)	)	PUNCT
fsr-3429	282	29	successful	successful	ADJ
fsr-3429	282	30	planner	planner	NOUN
fsr-3429	282	31	serious	serious	ADJ
fsr-3429	282	32	planner	planner	NOUN
fsr-3429	282	33	simple	simple	ADJ
fsr-3429	282	34	planner	planner	NOUN
fsr-3429	282	35	not	not	PART
fsr-3429	282	36	a	a	DET
fsr-3429	282	37	planner	planner	NOUN
fsr-3429	282	38	source	source	NOUN
fsr-3429	282	39	:	:	PUNCT
fsr-3429	282	40	author	author	NOUN
fsr-3429	282	41	’s	’s	PART
fsr-3429	282	42	calculations	calculation	NOUN
fsr-3429	282	43	.	.	PUNCT
fsr-3429	283	1	sample	sample	NOUN
fsr-3429	283	2	weighted	weight	VERB
fsr-3429	283	3	by	by	ADP
fsr-3429	283	4	gender	gender	NOUN
fsr-3429	283	5	and	and	CCONJ
fsr-3429	283	6	race	race	NOUN
fsr-3429	283	7	.	.	PUNCT
fsr-3429	284	1	g.d	g.d	NOUN
fsr-3429	284	2	.	.	PROPN
fsr-3429	284	3	willows	willows	PROPN
fsr-3429	284	4	/	/	SYM
fsr-3429	284	5	financial	financial	ADJ
fsr-3429	284	6	services	service	NOUN
fsr-3429	284	7	review	review	VERB
fsr-3429	284	8	28	28	NUM
fsr-3429	284	9	(	(	PUNCT
fsr-3429	284	10	2020	2020	NUM
fsr-3429	284	11	)	)	PUNCT
fsr-3429	285	1	243–271	243–271	NUM
fsr-3429	285	2	255	255	NUM
fsr-3429	285	3	financial	financial	ADJ
fsr-3429	285	4	literacy	literacy	NOUN
fsr-3429	285	5	score	score	VERB
fsr-3429	285	6	¼	¼	NOUN
fsr-3429	285	7	b	b	NOUN
fsr-3429	285	8	0	0	NUM
fsr-3429	285	9	þ	þ	NOUN
fsr-3429	285	10	b	b	PROPN
fsr-3429	285	11	1	1	NUM
fsr-3429	285	12	ageþ	ageþ	PROPN
fsr-3429	285	13	b	b	PROPN
fsr-3429	285	14	2	2	NUM
fsr-3429	285	15	age	age	NOUN
fsr-3429	285	16	-	-	PUNCT
fsr-3429	285	17	squared	square	VERB
fsr-3429	285	18	þ	þ	PROPN
fsr-3429	285	19	b	b	PROPN
fsr-3429	285	20	3marital	3marital	NUM
fsr-3429	285	21	status	status	NOUN
fsr-3429	285	22	þ	þ	PROPN
fsr-3429	285	23	b	b	PROPN
fsr-3429	285	24	4	4	NUM
fsr-3429	285	25	financial	financial	ADJ
fsr-3429	285	26	dependentsþ	dependentsþ	PROPN
fsr-3429	285	27	b	b	PROPN
fsr-3429	285	28	5gender	5gender	NUM
fsr-3429	285	29	þ	þ	NOUN
fsr-3429	285	30	b	b	PROPN
fsr-3429	285	31	6	6	NUM
fsr-3429	285	32	-	-	SYM
fsr-3429	285	33	10	10	NUM
fsr-3429	285	34	racial	racial	ADJ
fsr-3429	285	35	grouping	grouping	NOUN
fsr-3429	285	36	dummies	dummy	NOUN
fsr-3429	285	37	þ	þ	PROPN
fsr-3429	285	38	b	b	PROPN
fsr-3429	285	39	11	11	NUM
fsr-3429	285	40	log	log	NOUN
fsr-3429	285	41	of	of	ADP
fsr-3429	285	42	cost	cost	NOUN
fsr-3429	285	43	of	of	ADP
fsr-3429	285	44	employment	employment	NOUN
fsr-3429	285	45	þ	þ	PROPN
fsr-3429	285	46	b	b	PROPN
fsr-3429	285	47	12	12	NUM
fsr-3429	285	48	-	-	SYM
fsr-3429	285	49	17	17	NUM
fsr-3429	285	50	level	level	NOUN
fsr-3429	285	51	of	of	ADP
fsr-3429	285	52	qualification	qualification	NOUN
fsr-3429	285	53	dummiesþ	dummiesþ	ADJ
fsr-3429	285	54	e	e	NOUN
fsr-3429	285	55	(	(	PUNCT
fsr-3429	285	56	1	1	X
fsr-3429	285	57	)	)	PUNCT
fsr-3429	285	58	the	the	DET
fsr-3429	285	59	statistically	statistically	ADV
fsr-3429	285	60	significant	significant	ADJ
fsr-3429	285	61	factors	factor	NOUN
fsr-3429	285	62	affecting	affect	VERB
fsr-3429	285	63	financial	financial	ADJ
fsr-3429	285	64	literacy	literacy	NOUN
fsr-3429	285	65	are	be	AUX
fsr-3429	285	66	:	:	PUNCT
fsr-3429	285	67	being	be	AUX
fsr-3429	285	68	male	male	ADJ
fsr-3429	285	69	,	,	PUNCT
fsr-3429	285	70	race	race	NOUN
fsr-3429	285	71	,	,	PUNCT
fsr-3429	285	72	cost	cost	NOUN
fsr-3429	285	73	of	of	ADP
fsr-3429	285	74	employment	employment	NOUN
fsr-3429	285	75	,	,	PUNCT
fsr-3429	285	76	and	and	CCONJ
fsr-3429	285	77	qualification	qualification	NOUN
fsr-3429	285	78	levels	level	NOUN
fsr-3429	285	79	.	.	PUNCT
fsr-3429	286	1	having	have	VERB
fsr-3429	286	2	a	a	DET
fsr-3429	286	3	higher	high	ADJ
fsr-3429	286	4	cost	cost	NOUN
fsr-3429	286	5	of	of	ADP
fsr-3429	286	6	employment	employment	NOUN
fsr-3429	286	7	or	or	CCONJ
fsr-3429	286	8	being	be	AUX
fsr-3429	286	9	male	male	ADJ
fsr-3429	286	10	,	,	PUNCT
fsr-3429	286	11	as	as	SCONJ
fsr-3429	286	12	opposed	oppose	VERB
fsr-3429	286	13	to	to	ADP
fsr-3429	286	14	female	female	NOUN
fsr-3429	286	15	,	,	PUNCT
fsr-3429	286	16	is	be	AUX
fsr-3429	286	17	associated	associate	VERB
fsr-3429	286	18	with	with	ADP
fsr-3429	286	19	a	a	DET
fsr-3429	286	20	higher	high	ADJ
fsr-3429	286	21	financial	financial	ADJ
fsr-3429	286	22	literacy	literacy	NOUN
fsr-3429	286	23	score	score	NOUN
fsr-3429	286	24	on	on	ADP
fsr-3429	286	25	average	average	ADJ
fsr-3429	286	26	,	,	PUNCT
fsr-3429	286	27	holding	hold	VERB
fsr-3429	286	28	all	all	DET
fsr-3429	286	29	else	else	ADV
fsr-3429	286	30	constant	constant	ADJ
fsr-3429	286	31	.	.	PUNCT
fsr-3429	287	1	being	be	AUX
fsr-3429	287	2	of	of	ADP
fsr-3429	287	3	a	a	DET
fsr-3429	287	4	different	different	ADJ
fsr-3429	287	5	racial	racial	ADJ
fsr-3429	287	6	grouping	grouping	NOUN
fsr-3429	287	7	(	(	PUNCT
fsr-3429	287	8	to	to	PART
fsr-3429	287	9	white	white	ADJ
fsr-3429	287	10	)	)	PUNCT
fsr-3429	287	11	is	be	AUX
fsr-3429	287	12	expected	expect	VERB
fsr-3429	287	13	to	to	PART
fsr-3429	287	14	have	have	VERB
fsr-3429	287	15	a	a	DET
fsr-3429	287	16	lower	low	ADJ
fsr-3429	287	17	financial	financial	ADJ
fsr-3429	287	18	literacy	literacy	NOUN
fsr-3429	287	19	score	score	NOUN
fsr-3429	287	20	on	on	ADP
fsr-3429	287	21	average	average	ADJ
fsr-3429	287	22	.	.	PUNCT
fsr-3429	288	1	the	the	DET
fsr-3429	288	2	african	african	ADJ
fsr-3429	288	3	racial	racial	ADJ
fsr-3429	288	4	grouping	grouping	NOUN
fsr-3429	288	5	has	have	VERB
fsr-3429	288	6	the	the	DET
fsr-3429	288	7	largest	large	ADJ
fsr-3429	288	8	negative	negative	ADJ
fsr-3429	288	9	coefficient	coefficient	NOUN
fsr-3429	288	10	on	on	ADP
fsr-3429	288	11	financial	financial	ADJ
fsr-3429	288	12	literacy	literacy	NOUN
fsr-3429	288	13	,	,	PUNCT
fsr-3429	288	14	in	in	ADP
fsr-3429	288	15	relation	relation	NOUN
fsr-3429	288	16	to	to	ADP
fsr-3429	288	17	the	the	DET
fsr-3429	288	18	white	white	ADJ
fsr-3429	288	19	racial	racial	ADJ
fsr-3429	288	20	grouping	grouping	NOUN
fsr-3429	288	21	,	,	PUNCT
fsr-3429	288	22	which	which	PRON
fsr-3429	288	23	is	be	AUX
fsr-3429	288	24	significant	significant	ADJ
fsr-3429	288	25	at	at	ADP
fsr-3429	288	26	the	the	DET
fsr-3429	288	27	one	one	NUM
fsr-3429	288	28	percentage	percentage	NOUN
fsr-3429	288	29	level	level	NOUN
fsr-3429	288	30	.	.	PUNCT
fsr-3429	289	1	the	the	DET
fsr-3429	289	2	potential	potential	ADJ
fsr-3429	289	3	reasons	reason	NOUN
fsr-3429	289	4	for	for	ADP
fsr-3429	289	5	this	this	PRON
fsr-3429	289	6	are	be	AUX
fsr-3429	289	7	discussed	discuss	VERB
fsr-3429	289	8	earlier	early	ADV
fsr-3429	289	9	.	.	PUNCT
fsr-3429	290	1	lastly	lastly	ADV
fsr-3429	290	2	,	,	PUNCT
fsr-3429	290	3	a	a	DET
fsr-3429	290	4	qualification	qualification	NOUN
fsr-3429	290	5	less	less	ADJ
fsr-3429	290	6	than	than	ADP
fsr-3429	290	7	high	high	ADJ
fsr-3429	290	8	school	school	NOUN
fsr-3429	290	9	,	,	PUNCT
fsr-3429	290	10	when	when	SCONJ
fsr-3429	290	11	compared	compare	VERB
fsr-3429	290	12	with	with	ADP
fsr-3429	290	13	a	a	DET
fsr-3429	290	14	high	high	ADJ
fsr-3429	290	15	school	school	NOUN
fsr-3429	290	16	qualification	qualification	NOUN
fsr-3429	290	17	,	,	PUNCT
fsr-3429	290	18	is	be	AUX
fsr-3429	290	19	negatively	negatively	ADV
fsr-3429	290	20	associated	associate	VERB
fsr-3429	290	21	with	with	ADP
fsr-3429	290	22	an	an	DET
fsr-3429	290	23	increased	increase	VERB
fsr-3429	290	24	financial	financial	ADJ
fsr-3429	290	25	literacy	literacy	NOUN
fsr-3429	290	26	score	score	NOUN
fsr-3429	290	27	.	.	PUNCT
fsr-3429	291	1	however	however	ADV
fsr-3429	291	2	,	,	PUNCT
fsr-3429	291	3	given	give	VERB
fsr-3429	291	4	there	there	PRON
fsr-3429	291	5	is	be	VERB
fsr-3429	291	6	only	only	ADV
fsr-3429	291	7	one	one	NUM
fsr-3429	291	8	respondent	respondent	NOUN
fsr-3429	291	9	in	in	ADP
fsr-3429	291	10	this	this	DET
fsr-3429	291	11	category	category	NOUN
fsr-3429	291	12	,	,	PUNCT
fsr-3429	291	13	limited	limited	ADJ
fsr-3429	291	14	interpretation	interpretation	NOUN
fsr-3429	291	15	can	can	AUX
fsr-3429	291	16	be	be	AUX
fsr-3429	291	17	made	make	VERB
fsr-3429	291	18	of	of	ADP
fsr-3429	291	19	this	this	DET
fsr-3429	291	20	result	result	NOUN
fsr-3429	291	21	.	.	PUNCT
fsr-3429	292	1	4.2	4.2	NUM
fsr-3429	292	2	.	.	PUNCT
fsr-3429	292	3	factors	factor	NOUN
fsr-3429	292	4	influencing	influence	VERB
fsr-3429	292	5	thinking	think	VERB
fsr-3429	292	6	about	about	ADP
fsr-3429	292	7	retirement	retirement	NOUN
fsr-3429	292	8	to	to	PART
fsr-3429	292	9	determine	determine	VERB
fsr-3429	292	10	the	the	DET
fsr-3429	292	11	factors	factor	NOUN
fsr-3429	292	12	that	that	PRON
fsr-3429	292	13	influence	influence	NOUN
fsr-3429	292	14	thinking	think	VERB
fsr-3429	292	15	about	about	ADP
fsr-3429	292	16	retirement	retirement	NOUN
fsr-3429	292	17	,	,	PUNCT
fsr-3429	292	18	a	a	DET
fsr-3429	292	19	multinomial	multinomial	ADJ
fsr-3429	292	20	logistic	logistic	ADJ
fsr-3429	292	21	regression	regression	NOUN
fsr-3429	292	22	that	that	PRON
fsr-3429	292	23	controls	control	VERB
fsr-3429	292	24	for	for	ADP
fsr-3429	292	25	a	a	DET
fsr-3429	292	26	range	range	NOUN
fsr-3429	292	27	of	of	ADP
fsr-3429	292	28	socioeconomic	socioeconomic	ADJ
fsr-3429	292	29	factors	factor	NOUN
fsr-3429	292	30	is	be	AUX
fsr-3429	292	31	shown	show	VERB
fsr-3429	292	32	in	in	ADP
fsr-3429	292	33	table	table	NOUN
fsr-3429	292	34	8	8	NUM
fsr-3429	292	35	.	.	PUNCT
fsr-3429	293	1	this	this	DET
fsr-3429	293	2	table	table	NOUN
fsr-3429	293	3	7	7	NUM
fsr-3429	293	4	ols	ol	NOUN
fsr-3429	293	5	regression	regression	NOUN
fsr-3429	293	6	of	of	ADP
fsr-3429	293	7	financial	financial	ADJ
fsr-3429	293	8	literacy	literacy	NOUN
fsr-3429	293	9	score	score	NOUN
fsr-3429	293	10	coefficient	coefficient	NOUN
fsr-3429	293	11	(	(	PUNCT
fsr-3429	293	12	std	std	NOUN
fsr-3429	293	13	error	error	NOUN
fsr-3429	293	14	)	)	PUNCT
fsr-3429	293	15	age	age	NOUN
fsr-3429	293	16	�	�	PROPN
fsr-3429	293	17	0.575	0.575	NUM
fsr-3429	293	18	(	(	PUNCT
fsr-3429	293	19	0.781	0.781	NUM
fsr-3429	293	20	)	)	PUNCT
fsr-3429	293	21	age	age	NOUN
fsr-3429	293	22	-	-	PUNCT
fsr-3429	293	23	squared	square	VERB
fsr-3429	293	24	0.004	0.004	NUM
fsr-3429	293	25	(	(	PUNCT
fsr-3429	293	26	0.008	0.008	NUM
fsr-3429	293	27	)	)	PUNCT
fsr-3429	293	28	marital	marital	ADJ
fsr-3429	293	29	status	status	NOUN
fsr-3429	293	30	�	�	PROPN
fsr-3429	293	31	1.538	1.538	NUM
fsr-3429	293	32	(	(	PUNCT
fsr-3429	293	33	1.309	1.309	NUM
fsr-3429	293	34	)	)	PUNCT
fsr-3429	293	35	dependents	dependent	NOUN
fsr-3429	293	36	2.614	2.614	NUM
fsr-3429	293	37	(	(	PUNCT
fsr-3429	293	38	2.782	2.782	NUM
fsr-3429	293	39	)	)	PUNCT
fsr-3429	293	40	gender	gender	NOUN
fsr-3429	293	41	:	:	PUNCT
fsr-3429	293	42	male	male	NOUN
fsr-3429	293	43	2.803	2.803	NUM
fsr-3429	293	44	*	*	SYM
fsr-3429	293	45	(	(	PUNCT
fsr-3429	293	46	1.352	1.352	NUM
fsr-3429	293	47	)	)	PUNCT
fsr-3429	293	48	race	race	NOUN
fsr-3429	293	49	:	:	PUNCT
fsr-3429	293	50	colored	color	VERB
fsr-3429	293	51	�	�	PROPN
fsr-3429	293	52	3.473	3.473	NUM
fsr-3429	293	53	*	*	NOUN
fsr-3429	293	54	(	(	PUNCT
fsr-3429	293	55	1.437	1.437	NUM
fsr-3429	293	56	)	)	PUNCT
fsr-3429	293	57	race	race	NOUN
fsr-3429	293	58	:	:	PUNCT
fsr-3429	293	59	african	african	PROPN
fsr-3429	293	60	�	�	PROPN
fsr-3429	293	61	7.166	7.166	NUM
fsr-3429	293	62	*	*	PUNCT
fsr-3429	293	63	*	*	PUNCT
fsr-3429	293	64	*	*	PUNCT
fsr-3429	293	65	(	(	PUNCT
fsr-3429	293	66	2.011	2.011	NUM
fsr-3429	293	67	)	)	PUNCT
fsr-3429	293	68	race	race	NOUN
fsr-3429	293	69	:	:	PUNCT
fsr-3429	293	70	indian	indian	PROPN
fsr-3429	293	71	�	�	PROPN
fsr-3429	293	72	3.424	3.424	NUM
fsr-3429	293	73	*	*	SYM
fsr-3429	293	74	(	(	PUNCT
fsr-3429	293	75	1.540	1.540	NUM
fsr-3429	293	76	)	)	PUNCT
fsr-3429	293	77	race	race	NOUN
fsr-3429	293	78	:	:	PUNCT
fsr-3429	293	79	other	other	ADJ
fsr-3429	293	80	�	�	PROPN
fsr-3429	293	81	3.970	3.970	NUM
fsr-3429	293	82	(	(	PUNCT
fsr-3429	293	83	2.331	2.331	NUM
fsr-3429	293	84	)	)	PUNCT
fsr-3429	293	85	log	log	PROPN
fsr-3429	293	86	coe	coe	PROPN
fsr-3429	293	87	8.744	8.744	NUM
fsr-3429	293	88	*	*	PUNCT
fsr-3429	293	89	*	*	PUNCT
fsr-3429	293	90	*	*	PUNCT
fsr-3429	293	91	(	(	PUNCT
fsr-3429	293	92	2.071	2.071	NUM
fsr-3429	293	93	)	)	PUNCT
fsr-3429	293	94	qualification	qualification	NOUN
fsr-3429	293	95	:	:	PUNCT
fsr-3429	294	1	less	less	ADJ
fsr-3429	294	2	than	than	ADP
fsr-3429	294	3	high	high	ADJ
fsr-3429	294	4	school	school	NOUN
fsr-3429	294	5	�	�	PROPN
fsr-3429	294	6	6.301	6.301	NUM
fsr-3429	294	7	*	*	SYM
fsr-3429	294	8	(	(	PUNCT
fsr-3429	294	9	2.553	2.553	NUM
fsr-3429	294	10	)	)	PUNCT
fsr-3429	294	11	qualification	qualification	NOUN
fsr-3429	294	12	:	:	PUNCT
fsr-3429	294	13	higher	high	ADJ
fsr-3429	294	14	certificate	certificate	NOUN
fsr-3429	294	15	/	/	SYM
fsr-3429	294	16	diploma	diploma	NOUN
fsr-3429	294	17	0.500	0.500	NUM
fsr-3429	294	18	(	(	PUNCT
fsr-3429	294	19	2.878	2.878	NUM
fsr-3429	294	20	)	)	PUNCT
fsr-3429	294	21	qualification	qualification	NOUN
fsr-3429	294	22	:	:	PUNCT
fsr-3429	294	23	college	college	NOUN
fsr-3429	294	24	�	�	PROPN
fsr-3429	294	25	2.743	2.743	NUM
fsr-3429	294	26	(	(	PUNCT
fsr-3429	294	27	2.144	2.144	NUM
fsr-3429	294	28	)	)	PUNCT
fsr-3429	294	29	qualification	qualification	NOUN
fsr-3429	294	30	:	:	PUNCT
fsr-3429	294	31	post	post	VERB
fsr-3429	294	32	graduate	graduate	NOUN
fsr-3429	294	33	2.359	2.359	NUM
fsr-3429	294	34	(	(	PUNCT
fsr-3429	294	35	2.616	2.616	NUM
fsr-3429	294	36	)	)	PUNCT
fsr-3429	294	37	qualification	qualification	NOUN
fsr-3429	294	38	:	:	PUNCT
fsr-3429	294	39	unknown	unknown	ADJ
fsr-3429	294	40	1.483	1.483	NUM
fsr-3429	294	41	(	(	PUNCT
fsr-3429	294	42	2.442	2.442	NUM
fsr-3429	294	43	)	)	PUNCT
fsr-3429	294	44	constant	constant	ADJ
fsr-3429	294	45	�	�	PROPN
fsr-3429	294	46	46.38	46.38	NUM
fsr-3429	294	47	(	(	PUNCT
fsr-3429	294	48	27.91	27.91	NUM
fsr-3429	294	49	)	)	PUNCT
fsr-3429	294	50	observations	observation	NOUN
fsr-3429	294	51	753	753	NUM
fsr-3429	294	52	r2	r2	NOUN
fsr-3429	294	53	0.484	0.484	NUM
fsr-3429	294	54	source	source	NOUN
fsr-3429	294	55	:	:	PUNCT
fsr-3429	294	56	author	author	NOUN
fsr-3429	294	57	’s	’s	PART
fsr-3429	294	58	calculations	calculation	NOUN
fsr-3429	294	59	.	.	PUNCT
fsr-3429	295	1	sample	sample	NOUN
fsr-3429	295	2	weighted	weight	VERB
fsr-3429	295	3	by	by	ADP
fsr-3429	295	4	gender	gender	NOUN
fsr-3429	295	5	and	and	CCONJ
fsr-3429	295	6	race	race	NOUN
fsr-3429	295	7	.	.	PUNCT
fsr-3429	296	1	standard	standard	ADJ
fsr-3429	296	2	errors	error	NOUN
fsr-3429	296	3	in	in	ADP
fsr-3429	296	4	parentheses	parenthesis	NOUN
fsr-3429	296	5	.	.	PUNCT
fsr-3429	297	1	*	*	PUNCT
fsr-3429	298	1	*	*	PUNCT
fsr-3429	298	2	*	*	PUNCT
fsr-3429	298	3	p	p	X
fsr-3429	298	4	<	<	X
fsr-3429	298	5	.01	.01	NUM
fsr-3429	298	6	,	,	PUNCT
fsr-3429	298	7	*	*	PUNCT
fsr-3429	298	8	*	*	PUNCT
fsr-3429	298	9	p	p	X
fsr-3429	298	10	<	<	X
fsr-3429	298	11	.05	.05	NUM
fsr-3429	298	12	,	,	PUNCT
fsr-3429	298	13	*	*	PUNCT
fsr-3429	299	1	p	p	X
fsr-3429	299	2	<	<	X
fsr-3429	299	3	.1	.1	NOUN
fsr-3429	299	4	.	.	PUNCT
fsr-3429	300	1	256	256	NUM
fsr-3429	300	2	g.d	g.d	NOUN
fsr-3429	300	3	.	.	PUNCT
fsr-3429	300	4	willows	willows	PROPN
fsr-3429	300	5	/	/	SYM
fsr-3429	300	6	financial	financial	ADJ
fsr-3429	300	7	services	service	NOUN
fsr-3429	300	8	review	review	VERB
fsr-3429	300	9	28	28	NUM
fsr-3429	300	10	(	(	PUNCT
fsr-3429	300	11	2020	2020	NUM
fsr-3429	300	12	)	)	PUNCT
fsr-3429	301	1	243–271	243–271	NUM
fsr-3429	301	2	model	model	NOUN
fsr-3429	301	3	was	be	AUX
fsr-3429	301	4	applied	apply	VERB
fsr-3429	301	5	in	in	ADP
fsr-3429	301	6	favor	favor	NOUN
fsr-3429	301	7	of	of	ADP
fsr-3429	301	8	an	an	DET
fsr-3429	301	9	ordered	order	VERB
fsr-3429	301	10	logistic	logistic	ADJ
fsr-3429	301	11	regression	regression	NOUN
fsr-3429	301	12	as	as	SCONJ
fsr-3429	301	13	the	the	DET
fsr-3429	301	14	proportional	proportional	ADJ
fsr-3429	301	15	odds	odd	NOUN
fsr-3429	301	16	assumption	assumption	NOUN
fsr-3429	301	17	was	be	AUX
fsr-3429	301	18	not	not	PART
fsr-3429	301	19	met	meet	VERB
fsr-3429	301	20	.	.	PUNCT
fsr-3429	302	1	because	because	SCONJ
fsr-3429	302	2	of	of	ADP
fsr-3429	302	3	the	the	DET
fsr-3429	302	4	very	very	ADV
fsr-3429	302	5	small	small	ADJ
fsr-3429	302	6	numbers	number	NOUN
fsr-3429	302	7	in	in	ADP
fsr-3429	302	8	the	the	DET
fsr-3429	302	9	less	less	ADJ
fsr-3429	302	10	than	than	ADP
fsr-3429	302	11	high	high	ADJ
fsr-3429	302	12	school	school	NOUN
fsr-3429	302	13	education	education	NOUN
fsr-3429	302	14	level	level	NOUN
fsr-3429	302	15	group	group	NOUN
fsr-3429	302	16	and	and	CCONJ
fsr-3429	302	17	both	both	CCONJ
fsr-3429	302	18	the	the	DET
fsr-3429	302	19	indian	indian	ADJ
fsr-3429	302	20	and	and	CCONJ
fsr-3429	302	21	other	other	ADJ
fsr-3429	302	22	race	race	NOUN
fsr-3429	302	23	groups	group	NOUN
fsr-3429	302	24	a	a	DET
fsr-3429	302	25	subsample	subsample	NOUN
fsr-3429	302	26	excluding	exclude	VERB
fsr-3429	302	27	these	these	DET
fsr-3429	302	28	cases	case	NOUN
fsr-3429	302	29	were	be	AUX
fsr-3429	302	30	considered	consider	VERB
fsr-3429	302	31	for	for	SCONJ
fsr-3429	302	32	the	the	DET
fsr-3429	302	33	model	model	NOUN
fsr-3429	302	34	to	to	PART
fsr-3429	302	35	avoid	avoid	VERB
fsr-3429	302	36	issues	issue	NOUN
fsr-3429	302	37	of	of	ADP
fsr-3429	302	38	multicollinearity	multicollinearity	NOUN
fsr-3429	302	39	and	and	CCONJ
fsr-3429	302	40	or	or	CCONJ
fsr-3429	302	41	complete	complete	ADJ
fsr-3429	302	42	or	or	CCONJ
fsr-3429	302	43	quasi	quasi	ADJ
fsr-3429	302	44	-	-	ADJ
fsr-3429	302	45	complete	complete	ADJ
fsr-3429	302	46	separation	separation	NOUN
fsr-3429	302	47	that	that	PRON
fsr-3429	302	48	may	may	AUX
fsr-3429	302	49	result	result	VERB
fsr-3429	302	50	in	in	ADP
fsr-3429	302	51	large	large	ADJ
fsr-3429	302	52	standard	standard	ADJ
fsr-3429	302	53	errors	error	NOUN
fsr-3429	302	54	and	and	CCONJ
fsr-3429	302	55	consequently	consequently	ADV
fsr-3429	302	56	misinterpretation	misinterpretation	NOUN
fsr-3429	302	57	of	of	ADP
fsr-3429	302	58	the	the	DET
fsr-3429	302	59	results	result	NOUN
fsr-3429	302	60	.	.	PUNCT
fsr-3429	303	1	the	the	DET
fsr-3429	303	2	reference	reference	NOUN
fsr-3429	303	3	groups	group	NOUN
fsr-3429	303	4	for	for	ADP
fsr-3429	303	5	the	the	DET
fsr-3429	303	6	racial	racial	ADJ
fsr-3429	303	7	categories	category	NOUN
fsr-3429	303	8	grouping	grouping	NOUN
fsr-3429	303	9	and	and	CCONJ
fsr-3429	303	10	education	education	NOUN
fsr-3429	303	11	level	level	NOUN
fsr-3429	303	12	variables	variable	NOUN
fsr-3429	303	13	will	will	AUX
fsr-3429	303	14	be	be	AUX
fsr-3429	303	15	the	the	DET
fsr-3429	303	16	white	white	ADJ
fsr-3429	303	17	racial	racial	ADJ
fsr-3429	303	18	group	group	NOUN
fsr-3429	303	19	and	and	CCONJ
fsr-3429	303	20	higher	high	ADJ
fsr-3429	303	21	certificate	certificate	NOUN
fsr-3429	303	22	or	or	CCONJ
fsr-3429	303	23	diploma	diploma	NOUN
fsr-3429	303	24	education	education	NOUN
fsr-3429	303	25	,	,	PUNCT
fsr-3429	303	26	respectively	respectively	ADV
fsr-3429	303	27	.	.	PUNCT
fsr-3429	304	1	the	the	DET
fsr-3429	304	2	model	model	NOUN
fsr-3429	304	3	is	be	AUX
fsr-3429	304	4	as	as	SCONJ
fsr-3429	304	5	follows	follow	VERB
fsr-3429	304	6	:	:	PUNCT
fsr-3429	304	7	thinking	think	VERB
fsr-3429	304	8	about	about	ADP
fsr-3429	304	9	retirement	retirement	NOUN
fsr-3429	304	10	¼	¼	NOUN
fsr-3429	304	11	b	b	PROPN
fsr-3429	304	12	0	0	NUM
fsr-3429	304	13	þ	þ	PROPN
fsr-3429	304	14	b	b	PROPN
fsr-3429	304	15	1financial	1financial	NUM
fsr-3429	304	16	literacyþ	literacyþ	NOUN
fsr-3429	304	17	b	b	PROPN
fsr-3429	304	18	2	2	NUM
fsr-3429	304	19	ageþ	ageþ	NOUN
fsr-3429	304	20	b	b	PROPN
fsr-3429	304	21	3	3	NUM
fsr-3429	304	22	age	age	NOUN
fsr-3429	304	23	-	-	PUNCT
fsr-3429	304	24	squared	square	VERB
fsr-3429	304	25	þ	þ	PROPN
fsr-3429	304	26	b	b	PROPN
fsr-3429	304	27	4marital	4marital	NUM
fsr-3429	304	28	status	status	NOUN
fsr-3429	304	29	þ	þ	PROPN
fsr-3429	304	30	b	b	PROPN
fsr-3429	304	31	5	5	NUM
fsr-3429	304	32	financial	financial	ADJ
fsr-3429	304	33	dependents	dependent	NOUN
fsr-3429	304	34	þ	þ	PROPN
fsr-3429	304	35	b	b	PROPN
fsr-3429	305	1	6gender	6gender	NUM
fsr-3429	305	2	þ	þ	NOUN
fsr-3429	305	3	b	b	PROPN
fsr-3429	305	4	7	7	NUM
fsr-3429	305	5	-	-	SYM
fsr-3429	305	6	9	9	NUM
fsr-3429	305	7	racial	racial	ADJ
fsr-3429	305	8	grouping	grouping	NOUN
fsr-3429	305	9	dummies	dummy	NOUN
fsr-3429	305	10	þ	þ	PROPN
fsr-3429	305	11	b	b	PROPN
fsr-3429	305	12	10	10	NUM
fsr-3429	305	13	log	log	NOUN
fsr-3429	305	14	of	of	ADP
fsr-3429	305	15	cost	cost	NOUN
fsr-3429	305	16	of	of	ADP
fsr-3429	305	17	employment	employment	NOUN
fsr-3429	305	18	þ	þ	PROPN
fsr-3429	305	19	b	b	PROPN
fsr-3429	305	20	11	11	NUM
fsr-3429	305	21	-	-	SYM
fsr-3429	305	22	15	15	NUM
fsr-3429	305	23	level	level	NOUN
fsr-3429	305	24	of	of	ADP
fsr-3429	305	25	qualification	qualification	NOUN
fsr-3429	305	26	dummies	dummy	NOUN
fsr-3429	305	27	þ	þ	NOUN
fsr-3429	305	28	e	e	X
fsr-3429	305	29	(	(	PUNCT
fsr-3429	305	30	2	2	NUM
fsr-3429	305	31	)	)	PUNCT
fsr-3429	305	32	table	table	NOUN
fsr-3429	305	33	8	8	NUM
fsr-3429	305	34	shows	show	VERB
fsr-3429	305	35	that	that	SCONJ
fsr-3429	305	36	an	an	DET
fsr-3429	305	37	increase	increase	NOUN
fsr-3429	305	38	in	in	ADP
fsr-3429	305	39	financial	financial	ADJ
fsr-3429	305	40	literacy	literacy	NOUN
fsr-3429	305	41	,	,	PUNCT
fsr-3429	305	42	age	age	NOUN
fsr-3429	305	43	,	,	PUNCT
fsr-3429	305	44	cost	cost	NOUN
fsr-3429	305	45	of	of	ADP
fsr-3429	305	46	employment	employment	NOUN
fsr-3429	305	47	,	,	PUNCT
fsr-3429	305	48	or	or	CCONJ
fsr-3429	305	49	education	education	NOUN
fsr-3429	305	50	level	level	NOUN
fsr-3429	305	51	,	,	PUNCT
fsr-3429	305	52	increases	increase	VERB
fsr-3429	305	53	the	the	DET
fsr-3429	305	54	relative	relative	ADJ
fsr-3429	305	55	risk	risk	NOUN
fsr-3429	305	56	of	of	ADP
fsr-3429	305	57	thinking	think	VERB
fsr-3429	305	58	more	more	ADJ
fsr-3429	305	59	about	about	ADP
fsr-3429	305	60	retirement	retirement	NOUN
fsr-3429	305	61	.	.	PUNCT
fsr-3429	306	1	for	for	ADP
fsr-3429	306	2	age	age	NOUN
fsr-3429	306	3	,	,	PUNCT
fsr-3429	306	4	it	it	PRON
fsr-3429	306	5	is	be	AUX
fsr-3429	306	6	understandable	understandable	ADJ
fsr-3429	306	7	that	that	SCONJ
fsr-3429	306	8	as	as	SCONJ
fsr-3429	306	9	a	a	DET
fsr-3429	306	10	consumer	consumer	NOUN
fsr-3429	306	11	is	be	AUX
fsr-3429	306	12	closer	close	ADJ
fsr-3429	306	13	to	to	ADP
fsr-3429	306	14	retirement	retirement	NOUN
fsr-3429	306	15	(	(	PUNCT
fsr-3429	306	16	in	in	ADP
fsr-3429	306	17	most	most	ADJ
fsr-3429	306	18	cases	case	NOUN
fsr-3429	306	19	equating	equate	VERB
fsr-3429	306	20	to	to	ADP
fsr-3429	306	21	being	be	AUX
fsr-3429	306	22	older	old	ADJ
fsr-3429	306	23	)	)	PUNCT
fsr-3429	306	24	the	the	DET
fsr-3429	306	25	more	more	ADV
fsr-3429	306	26	tangible	tangible	ADJ
fsr-3429	306	27	retirement	retirement	NOUN
fsr-3429	306	28	becomes	becomes	AUX
fsr-3429	306	29	necessitating	necessitate	VERB
fsr-3429	306	30	more	more	ADJ
fsr-3429	306	31	thoughts	thought	NOUN
fsr-3429	306	32	about	about	ADP
fsr-3429	306	33	it	it	PRON
fsr-3429	306	34	.	.	PUNCT
fsr-3429	307	1	an	an	DET
fsr-3429	307	2	increased	increase	VERB
fsr-3429	307	3	cost	cost	NOUN
fsr-3429	307	4	of	of	ADP
fsr-3429	307	5	employment	employment	NOUN
fsr-3429	307	6	suggests	suggest	VERB
fsr-3429	307	7	that	that	SCONJ
fsr-3429	307	8	having	have	VERB
fsr-3429	307	9	more	more	ADV
fsr-3429	307	10	disposable	disposable	ADJ
fsr-3429	307	11	income	income	NOUN
fsr-3429	307	12	enables	enable	VERB
fsr-3429	307	13	the	the	DET
fsr-3429	307	14	means	mean	NOUN
fsr-3429	307	15	to	to	PART
fsr-3429	307	16	save	save	VERB
fsr-3429	307	17	for	for	ADP
fsr-3429	307	18	retirement	retirement	NOUN
fsr-3429	307	19	and	and	CCONJ
fsr-3429	307	20	thus	thus	ADV
fsr-3429	307	21	allows	allow	VERB
fsr-3429	307	22	thoughts	thought	NOUN
fsr-3429	307	23	about	about	ADP
fsr-3429	307	24	it	it	PRON
fsr-3429	307	25	.	.	PUNCT
fsr-3429	308	1	for	for	ADP
fsr-3429	308	2	education	education	NOUN
fsr-3429	308	3	level	level	NOUN
fsr-3429	308	4	,	,	PUNCT
fsr-3429	308	5	the	the	DET
fsr-3429	308	6	relative	relative	ADJ
fsr-3429	308	7	risk	risk	NOUN
fsr-3429	308	8	ratio	ratio	NOUN
fsr-3429	308	9	of	of	ADP
fsr-3429	308	10	a	a	DET
fsr-3429	308	11	respondent	respondent	NOUN
fsr-3429	308	12	with	with	ADP
fsr-3429	308	13	a	a	DET
fsr-3429	308	14	college	college	NOUN
fsr-3429	308	15	or	or	CCONJ
fsr-3429	308	16	postgraduate	postgraduate	NOUN
fsr-3429	308	17	degree	degree	NOUN
fsr-3429	308	18	thinking	thinking	NOUN
fsr-3429	308	19	about	about	ADP
fsr-3429	308	20	retirement	retirement	NOUN
fsr-3429	308	21	a	a	DET
fsr-3429	308	22	lot	lot	NOUN
fsr-3429	308	23	,	,	PUNCT
fsr-3429	308	24	compared	compare	VERB
fsr-3429	308	25	with	with	ADP
fsr-3429	308	26	not	not	PART
fsr-3429	308	27	at	at	ADV
fsr-3429	308	28	all	all	ADV
fsr-3429	308	29	,	,	PUNCT
fsr-3429	308	30	is	be	AUX
fsr-3429	308	31	4.7	4.7	NUM
fsr-3429	308	32	and	and	CCONJ
fsr-3429	308	33	3.8	3.8	NUM
fsr-3429	308	34	times	time	NOUN
fsr-3429	308	35	higher	high	ADJ
fsr-3429	308	36	than	than	ADP
fsr-3429	308	37	the	the	DET
fsr-3429	308	38	relative	relative	ADJ
fsr-3429	308	39	risk	risk	NOUN
fsr-3429	308	40	ratio	ratio	NOUN
fsr-3429	308	41	for	for	ADP
fsr-3429	308	42	someone	someone	PRON
fsr-3429	308	43	with	with	ADP
fsr-3429	308	44	only	only	ADV
fsr-3429	308	45	a	a	DET
fsr-3429	308	46	higher	high	ADJ
fsr-3429	308	47	certificate	certificate	NOUN
fsr-3429	308	48	or	or	CCONJ
fsr-3429	308	49	diploma	diploma	NOUN
fsr-3429	308	50	.	.	PUNCT
fsr-3429	309	1	this	this	PRON
fsr-3429	309	2	might	might	AUX
fsr-3429	309	3	indicate	indicate	VERB
fsr-3429	309	4	that	that	SCONJ
fsr-3429	309	5	higher	high	ADJ
fsr-3429	309	6	education	education	NOUN
fsr-3429	309	7	creates	create	VERB
fsr-3429	309	8	a	a	DET
fsr-3429	309	9	greater	great	ADJ
fsr-3429	309	10	awareness	awareness	NOUN
fsr-3429	309	11	of	of	ADP
fsr-3429	309	12	retirement	retirement	NOUN
fsr-3429	309	13	.	.	PUNCT
fsr-3429	310	1	for	for	ADP
fsr-3429	310	2	those	those	DET
fsr-3429	310	3	respondents	respondent	NOUN
fsr-3429	310	4	who	who	PRON
fsr-3429	310	5	are	be	AUX
fsr-3429	310	6	married	married	ADJ
fsr-3429	310	7	,	,	PUNCT
fsr-3429	310	8	have	have	VERB
fsr-3429	310	9	dependents	dependent	NOUN
fsr-3429	310	10	or	or	CCONJ
fsr-3429	310	11	are	be	AUX
fsr-3429	310	12	male	male	ADJ
fsr-3429	310	13	,	,	PUNCT
fsr-3429	310	14	the	the	DET
fsr-3429	310	15	relative	relative	ADJ
fsr-3429	310	16	risk	risk	NOUN
fsr-3429	310	17	of	of	ADP
fsr-3429	310	18	thinking	think	VERB
fsr-3429	310	19	about	about	ADP
fsr-3429	310	20	retirement	retirement	NOUN
fsr-3429	310	21	is	be	AUX
fsr-3429	310	22	lower	low	ADJ
fsr-3429	310	23	.	.	PUNCT
fsr-3429	311	1	the	the	DET
fsr-3429	311	2	gender	gender	NOUN
fsr-3429	311	3	variable	variable	NOUN
fsr-3429	311	4	is	be	AUX
fsr-3429	311	5	only	only	ADV
fsr-3429	311	6	statistically	statistically	ADV
fsr-3429	311	7	significant	significant	ADJ
fsr-3429	311	8	(	(	PUNCT
fsr-3429	311	9	at	at	ADP
fsr-3429	311	10	the	the	DET
fsr-3429	311	11	five	five	NUM
fsr-3429	311	12	percentage	percentage	NOUN
fsr-3429	311	13	level	level	NOUN
fsr-3429	311	14	)	)	PUNCT
fsr-3429	311	15	when	when	SCONJ
fsr-3429	311	16	comparing	compare	VERB
fsr-3429	311	17	thinking	think	VERB
fsr-3429	311	18	about	about	ADP
fsr-3429	311	19	retirement	retirement	NOUN
fsr-3429	311	20	not	not	PART
fsr-3429	311	21	at	at	ADV
fsr-3429	311	22	all	all	ADV
fsr-3429	311	23	,	,	PUNCT
fsr-3429	311	24	to	to	ADP
fsr-3429	311	25	a	a	DET
fsr-3429	311	26	lot	lot	NOUN
fsr-3429	311	27	.	.	PUNCT
fsr-3429	312	1	a	a	DET
fsr-3429	312	2	possible	possible	ADJ
fsr-3429	312	3	explanation	explanation	NOUN
fsr-3429	312	4	for	for	ADP
fsr-3429	312	5	married	married	ADJ
fsr-3429	312	6	respondents	respondent	NOUN
fsr-3429	312	7	thinking	think	VERB
fsr-3429	312	8	less	less	ADJ
fsr-3429	312	9	about	about	ADP
fsr-3429	312	10	retirement	retirement	NOUN
fsr-3429	312	11	than	than	SCONJ
fsr-3429	312	12	single	single	ADJ
fsr-3429	312	13	respondents	respondent	NOUN
fsr-3429	312	14	might	might	AUX
fsr-3429	312	15	be	be	AUX
fsr-3429	312	16	explained	explain	VERB
fsr-3429	312	17	by	by	ADP
fsr-3429	312	18	financial	financial	ADJ
fsr-3429	312	19	dependency	dependency	NOUN
fsr-3429	312	20	on	on	ADP
fsr-3429	312	21	their	their	PRON
fsr-3429	312	22	partner	partner	NOUN
fsr-3429	312	23	.	.	PUNCT
fsr-3429	313	1	the	the	DET
fsr-3429	313	2	presence	presence	NOUN
fsr-3429	313	3	of	of	ADP
fsr-3429	313	4	dependents	dependent	NOUN
fsr-3429	313	5	in	in	ADP
fsr-3429	313	6	turn	turn	NOUN
fsr-3429	313	7	might	might	AUX
fsr-3429	313	8	necessitate	necessitate	ADJ
fsr-3429	313	9	thinking	think	VERB
fsr-3429	313	10	more	more	ADV
fsr-3429	313	11	about	about	ADP
fsr-3429	313	12	daily	daily	ADJ
fsr-3429	313	13	living	living	NOUN
fsr-3429	313	14	expenses	expense	NOUN
fsr-3429	313	15	and	and	CCONJ
fsr-3429	313	16	providing	provide	VERB
fsr-3429	313	17	for	for	ADP
fsr-3429	313	18	those	those	DET
fsr-3429	313	19	dependents	dependent	NOUN
fsr-3429	313	20	,	,	PUNCT
fsr-3429	313	21	rather	rather	ADV
fsr-3429	313	22	than	than	ADP
fsr-3429	313	23	retirement	retirement	NOUN
fsr-3429	313	24	.	.	PUNCT
fsr-3429	314	1	returning	return	VERB
fsr-3429	314	2	to	to	ADP
fsr-3429	314	3	financial	financial	ADJ
fsr-3429	314	4	literacy	literacy	NOUN
fsr-3429	314	5	,	,	PUNCT
fsr-3429	314	6	the	the	DET
fsr-3429	314	7	statistically	statistically	ADV
fsr-3429	314	8	significant	significant	ADJ
fsr-3429	314	9	positive	positive	ADJ
fsr-3429	314	10	association	association	NOUN
fsr-3429	314	11	(	(	PUNCT
fsr-3429	314	12	mostly	mostly	ADV
fsr-3429	314	13	at	at	ADP
fsr-3429	314	14	the	the	DET
fsr-3429	314	15	1	1	NUM
fsr-3429	314	16	%	%	NOUN
fsr-3429	314	17	level	level	NOUN
fsr-3429	314	18	)	)	PUNCT
fsr-3429	314	19	with	with	ADP
fsr-3429	314	20	thinking	think	VERB
fsr-3429	314	21	about	about	ADP
fsr-3429	314	22	retirement	retirement	NOUN
fsr-3429	314	23	suggests	suggest	VERB
fsr-3429	314	24	possible	possible	ADJ
fsr-3429	314	25	endogeneity	endogeneity	NOUN
fsr-3429	314	26	.	.	PUNCT
fsr-3429	315	1	this	this	PRON
fsr-3429	315	2	might	might	AUX
fsr-3429	315	3	result	result	VERB
fsr-3429	315	4	in	in	ADP
fsr-3429	315	5	“	"	PUNCT
fsr-3429	315	6	thinking	think	VERB
fsr-3429	315	7	about	about	ADP
fsr-3429	315	8	retirement	retirement	NOUN
fsr-3429	315	9	”	"	PUNCT
fsr-3429	315	10	influencing	influence	VERB
fsr-3429	315	11	“	"	PUNCT
fsr-3429	315	12	financial	financial	ADJ
fsr-3429	315	13	literacy	literacy	NOUN
fsr-3429	315	14	”	"	PUNCT
fsr-3429	315	15	rather	rather	ADV
fsr-3429	315	16	than	than	ADP
fsr-3429	315	17	the	the	DET
fsr-3429	315	18	inverse	inverse	NOUN
fsr-3429	315	19	.	.	PUNCT
fsr-3429	316	1	a	a	DET
fsr-3429	316	2	question	question	NOUN
fsr-3429	316	3	was	be	AUX
fsr-3429	316	4	asked	ask	VERB
fsr-3429	316	5	to	to	PART
fsr-3429	316	6	assess	assess	VERB
fsr-3429	316	7	each	each	DET
fsr-3429	316	8	respondent	respondent	NOUN
fsr-3429	316	9	’s	’s	PART
fsr-3429	316	10	level	level	NOUN
fsr-3429	316	11	of	of	ADP
fsr-3429	316	12	accounting	accounting	NOUN
fsr-3429	316	13	and/or	and/or	CCONJ
fsr-3429	316	14	economics	economic	NOUN
fsr-3429	316	15	knowledge	knowledge	NOUN
fsr-3429	316	16	(	(	PUNCT
fsr-3429	316	17	q4	q4	PROPN
fsr-3429	316	18	in	in	ADP
fsr-3429	316	19	appendix	appendix	PROPN
fsr-3429	316	20	a	a	PRON
fsr-3429	316	21	)	)	PUNCT
fsr-3429	316	22	.	.	PUNCT
fsr-3429	317	1	based	base	VERB
fsr-3429	317	2	on	on	ADP
fsr-3429	317	3	the	the	DET
fsr-3429	317	4	responses	response	NOUN
fsr-3429	317	5	,	,	PUNCT
fsr-3429	317	6	each	each	DET
fsr-3429	317	7	respondent	respondent	NOUN
fsr-3429	317	8	was	be	AUX
fsr-3429	317	9	placed	place	VERB
fsr-3429	317	10	into	into	ADP
fsr-3429	317	11	one	one	NUM
fsr-3429	317	12	of	of	ADP
fsr-3429	317	13	three	three	NUM
fsr-3429	317	14	ordinal	ordinal	ADJ
fsr-3429	317	15	groups	group	NOUN
fsr-3429	317	16	.	.	PUNCT
fsr-3429	318	1	the	the	DET
fsr-3429	318	2	purpose	purpose	NOUN
fsr-3429	318	3	of	of	ADP
fsr-3429	318	4	this	this	PRON
fsr-3429	318	5	was	be	AUX
fsr-3429	318	6	to	to	PART
fsr-3429	318	7	use	use	VERB
fsr-3429	318	8	this	this	DET
fsr-3429	318	9	ordinal	ordinal	ADJ
fsr-3429	318	10	variable	variable	NOUN
fsr-3429	318	11	as	as	ADP
fsr-3429	318	12	an	an	DET
fsr-3429	318	13	instrumental	instrumental	ADJ
fsr-3429	318	14	variable	variable	NOUN
fsr-3429	318	15	associated	associate	VERB
fsr-3429	318	16	with	with	ADP
fsr-3429	318	17	the	the	DET
fsr-3429	318	18	financial	financial	ADJ
fsr-3429	318	19	literacy	literacy	NOUN
fsr-3429	318	20	score	score	NOUN
fsr-3429	318	21	.	.	PUNCT
fsr-3429	319	1	an	an	DET
fsr-3429	319	2	instrumental	instrumental	ADJ
fsr-3429	319	3	multinomial	multinomial	ADJ
fsr-3429	319	4	probit	probit	NOUN
fsr-3429	319	5	model	model	NOUN
fsr-3429	319	6	(	(	PUNCT
fsr-3429	319	7	first	first	ADJ
fsr-3429	319	8	stage	stage	NOUN
fsr-3429	319	9	uncensored	uncensored	ADJ
fsr-3429	319	10	,	,	PUNCT
fsr-3429	319	11	second	second	ADJ
fsr-3429	319	12	stage	stage	NOUN
fsr-3429	319	13	probit	probit	NOUN
fsr-3429	319	14	)	)	PUNCT
fsr-3429	319	15	was	be	AUX
fsr-3429	319	16	performed	perform	VERB
fsr-3429	319	17	(	(	PUNCT
fsr-3429	319	18	wald	wald	X
fsr-3429	319	19	x	x	SYM
fsr-3429	319	20	2(57)¼	2(57)¼	PROPN
fsr-3429	319	21	1014.74	1014.74	NUM
fsr-3429	319	22	,	,	PUNCT
fsr-3429	319	23	pvalue¼<0.001	pvalue¼<0.001	PROPN
fsr-3429	319	24	)	)	PUNCT
fsr-3429	319	25	(	(	PUNCT
fsr-3429	319	26	roodman	roodman	NOUN
fsr-3429	319	27	,	,	PUNCT
fsr-3429	319	28	2011	2011	NUM
fsr-3429	319	29	)	)	PUNCT
fsr-3429	319	30	.	.	PUNCT
fsr-3429	320	1	the	the	DET
fsr-3429	320	2	output	output	NOUN
fsr-3429	320	3	is	be	AUX
fsr-3429	320	4	given	give	VERB
fsr-3429	320	5	in	in	ADP
fsr-3429	320	6	appendix	appendix	PROPN
fsr-3429	320	7	d.	d.	PROPN
fsr-3429	320	8	the	the	DET
fsr-3429	320	9	results	result	NOUN
fsr-3429	320	10	show	show	VERB
fsr-3429	320	11	that	that	SCONJ
fsr-3429	320	12	financial	financial	ADJ
fsr-3429	320	13	literacy	literacy	NOUN
fsr-3429	320	14	remains	remain	VERB
fsr-3429	320	15	statistically	statistically	ADV
fsr-3429	320	16	significant	significant	ADJ
fsr-3429	320	17	in	in	ADP
fsr-3429	320	18	increasing	increase	VERB
fsr-3429	320	19	the	the	DET
fsr-3429	320	20	relative	relative	ADJ
fsr-3429	320	21	risk	risk	NOUN
fsr-3429	320	22	of	of	ADP
fsr-3429	320	23	a	a	DET
fsr-3429	320	24	respondent	respondent	NOUN
fsr-3429	320	25	thinking	thinking	NOUN
fsr-3429	320	26	more	more	ADV
fsr-3429	320	27	about	about	ADP
fsr-3429	320	28	retirement	retirement	NOUN
fsr-3429	320	29	.	.	PUNCT
fsr-3429	321	1	this	this	PRON
fsr-3429	321	2	emphasizes	emphasize	VERB
fsr-3429	321	3	the	the	DET
fsr-3429	321	4	importance	importance	NOUN
fsr-3429	321	5	of	of	ADP
fsr-3429	321	6	financial	financial	ADJ
fsr-3429	321	7	literacy	literacy	NOUN
fsr-3429	321	8	.	.	PUNCT
fsr-3429	322	1	however	however	ADV
fsr-3429	322	2	,	,	PUNCT
fsr-3429	322	3	although	although	SCONJ
fsr-3429	322	4	thinking	think	VERB
fsr-3429	322	5	about	about	ADP
fsr-3429	322	6	retirement	retirement	NOUN
fsr-3429	322	7	is	be	AUX
fsr-3429	322	8	a	a	DET
fsr-3429	322	9	step	step	NOUN
fsr-3429	322	10	in	in	ADP
fsr-3429	322	11	the	the	DET
fsr-3429	322	12	right	right	ADJ
fsr-3429	322	13	direction	direction	NOUN
fsr-3429	322	14	,	,	PUNCT
fsr-3429	322	15	it	it	PRON
fsr-3429	322	16	is	be	AUX
fsr-3429	322	17	the	the	DET
fsr-3429	322	18	g.d	g.d	PROPN
fsr-3429	322	19	.	.	PROPN
fsr-3429	322	20	willows	willows	PROPN
fsr-3429	322	21	/	/	SYM
fsr-3429	322	22	financial	financial	ADJ
fsr-3429	322	23	services	service	NOUN
fsr-3429	322	24	review	review	VERB
fsr-3429	322	25	28	28	NUM
fsr-3429	322	26	(	(	PUNCT
fsr-3429	322	27	2020	2020	NUM
fsr-3429	322	28	)	)	PUNCT
fsr-3429	323	1	243–271	243–271	NUM
fsr-3429	323	2	257	257	NUM
fsr-3429	323	3	transcendence	transcendence	NOUN
fsr-3429	323	4	of	of	ADP
fsr-3429	323	5	this	this	DET
fsr-3429	323	6	thinking	thinking	NOUN
fsr-3429	323	7	into	into	ADP
fsr-3429	323	8	actively	actively	ADV
fsr-3429	323	9	planning	plan	VERB
fsr-3429	323	10	for	for	ADP
fsr-3429	323	11	retirement	retirement	NOUN
fsr-3429	323	12	that	that	PRON
fsr-3429	323	13	will	will	AUX
fsr-3429	323	14	assist	assist	VERB
fsr-3429	323	15	in	in	ADP
fsr-3429	323	16	improving	improve	VERB
fsr-3429	323	17	retirement	retirement	NOUN
fsr-3429	323	18	savings	saving	NOUN
fsr-3429	323	19	.	.	PUNCT
fsr-3429	324	1	an	an	DET
fsr-3429	324	2	analysis	analysis	NOUN
fsr-3429	324	3	of	of	ADP
fsr-3429	324	4	this	this	DET
fsr-3429	324	5	progression	progression	NOUN
fsr-3429	324	6	is	be	AUX
fsr-3429	324	7	examined	examine	VERB
fsr-3429	324	8	next	next	ADV
fsr-3429	324	9	.	.	PUNCT
fsr-3429	325	1	4.3	4.3	NUM
fsr-3429	325	2	.	.	PUNCT
fsr-3429	325	3	factors	factor	NOUN
fsr-3429	325	4	influencing	influence	VERB
fsr-3429	325	5	planning	plan	VERB
fsr-3429	325	6	for	for	ADP
fsr-3429	325	7	retirement	retirement	NOUN
fsr-3429	325	8	a	a	DET
fsr-3429	325	9	multivariate	multivariate	NOUN
fsr-3429	325	10	ordered	order	VERB
fsr-3429	325	11	logistic	logistic	ADJ
fsr-3429	325	12	regression	regression	NOUN
fsr-3429	325	13	analysis	analysis	NOUN
fsr-3429	325	14	showing	show	VERB
fsr-3429	325	15	the	the	DET
fsr-3429	325	16	relationship	relationship	NOUN
fsr-3429	325	17	between	between	ADP
fsr-3429	325	18	planning	planning	NOUN
fsr-3429	325	19	and	and	CCONJ
fsr-3429	325	20	financial	financial	ADJ
fsr-3429	325	21	literacy	literacy	NOUN
fsr-3429	325	22	and	and	CCONJ
fsr-3429	325	23	planning	planning	NOUN
fsr-3429	325	24	tools	tool	NOUN
fsr-3429	325	25	,	,	PUNCT
fsr-3429	325	26	after	after	ADP
fsr-3429	325	27	controlling	control	VERB
fsr-3429	325	28	for	for	ADP
fsr-3429	325	29	several	several	ADJ
fsr-3429	325	30	factors	factor	NOUN
fsr-3429	325	31	,	,	PUNCT
fsr-3429	325	32	is	be	AUX
fsr-3429	325	33	shown	show	VERB
fsr-3429	325	34	in	in	ADP
fsr-3429	325	35	table	table	NOUN
fsr-3429	325	36	9	9	NUM
fsr-3429	325	37	.	.	PUNCT
fsr-3429	326	1	two	two	NUM
fsr-3429	326	2	tests	test	NOUN
fsr-3429	326	3	are	be	AUX
fsr-3429	326	4	performed	perform	VERB
fsr-3429	326	5	.	.	PUNCT
fsr-3429	327	1	test	test	NOUN
fsr-3429	327	2	1	1	NUM
fsr-3429	327	3	only	only	ADV
fsr-3429	327	4	assesses	assess	VERB
fsr-3429	327	5	the	the	DET
fsr-3429	327	6	351	351	NUM
fsr-3429	327	7	respondents	respondent	NOUN
fsr-3429	327	8	who	who	PRON
fsr-3429	327	9	were	be	AUX
fsr-3429	327	10	table	table	NOUN
fsr-3429	327	11	8	8	NUM
fsr-3429	327	12	multinomial	multinomial	ADJ
fsr-3429	327	13	logistic	logistic	ADJ
fsr-3429	327	14	regression	regression	NOUN
fsr-3429	327	15	of	of	ADP
fsr-3429	327	16	thinking	think	VERB
fsr-3429	327	17	about	about	ADP
fsr-3429	327	18	retirement	retirement	NOUN
fsr-3429	327	19	only	only	ADV
fsr-3429	327	20	a	a	DET
fsr-3429	327	21	little	little	ADJ
fsr-3429	327	22	some	some	PRON
fsr-3429	327	23	a	a	DET
fsr-3429	327	24	lot	lot	NOUN
fsr-3429	327	25	coefficient	coefficient	NOUN
fsr-3429	327	26	(	(	PUNCT
fsr-3429	327	27	std	std	NOUN
fsr-3429	327	28	error	error	NOUN
fsr-3429	327	29	)	)	PUNCT
fsr-3429	327	30	risk	risk	NOUN
fsr-3429	327	31	ratio	ratio	NOUN
fsr-3429	327	32	coefficient	coefficient	NOUN
fsr-3429	327	33	(	(	PUNCT
fsr-3429	327	34	std	std	NOUN
fsr-3429	327	35	error	error	NOUN
fsr-3429	327	36	)	)	PUNCT
fsr-3429	327	37	risk	risk	NOUN
fsr-3429	327	38	ratio	ratio	NOUN
fsr-3429	327	39	coefficient	coefficient	NOUN
fsr-3429	327	40	(	(	PUNCT
fsr-3429	327	41	std	std	NOUN
fsr-3429	327	42	error	error	NOUN
fsr-3429	327	43	)	)	PUNCT
fsr-3429	327	44	risk	risk	NOUN
fsr-3429	327	45	ratio	ratio	NOUN
fsr-3429	327	46	financial	financial	ADJ
fsr-3429	327	47	literacy	literacy	NOUN
fsr-3429	327	48	0.093	0.093	NUM
fsr-3429	327	49	*	*	SYM
fsr-3429	327	50	*	*	PUNCT
fsr-3429	327	51	(	(	PUNCT
fsr-3429	327	52	0.033	0.033	NUM
fsr-3429	327	53	)	)	PUNCT
fsr-3429	327	54	1.097	1.097	NUM
fsr-3429	327	55	*	*	SYM
fsr-3429	327	56	*	*	PUNCT
fsr-3429	327	57	(	(	PUNCT
fsr-3429	327	58	0.036	0.036	NUM
fsr-3429	327	59	)	)	PUNCT
fsr-3429	327	60	0.156	0.156	NUM
fsr-3429	327	61	*	*	PUNCT
fsr-3429	327	62	*	*	PUNCT
fsr-3429	327	63	*	*	PUNCT
fsr-3429	327	64	(	(	PUNCT
fsr-3429	327	65	0.033	0.033	NUM
fsr-3429	327	66	)	)	PUNCT
fsr-3429	327	67	1.169	1.169	NUM
fsr-3429	327	68	*	*	PUNCT
fsr-3429	327	69	*	*	PUNCT
fsr-3429	327	70	*	*	PUNCT
fsr-3429	327	71	(	(	PUNCT
fsr-3429	327	72	0.039	0.039	NUM
fsr-3429	327	73	)	)	PUNCT
fsr-3429	327	74	0.111	0.111	NUM
fsr-3429	327	75	*	*	PUNCT
fsr-3429	327	76	*	*	PUNCT
fsr-3429	327	77	*	*	PUNCT
fsr-3429	327	78	(	(	PUNCT
fsr-3429	327	79	0.033	0.033	NUM
fsr-3429	327	80	)	)	PUNCT
fsr-3429	327	81	1.117	1.117	NUM
fsr-3429	327	82	*	*	PUNCT
fsr-3429	327	83	*	*	PUNCT
fsr-3429	327	84	*	*	PUNCT
fsr-3429	327	85	(	(	PUNCT
fsr-3429	327	86	0.037	0.037	NUM
fsr-3429	327	87	)	)	PUNCT
fsr-3429	327	88	age	age	NOUN
fsr-3429	327	89	0.173	0.173	NUM
fsr-3429	327	90	*	*	PUNCT
fsr-3429	327	91	*	*	PUNCT
fsr-3429	327	92	*	*	PUNCT
fsr-3429	327	93	(	(	PUNCT
fsr-3429	327	94	0.330	0.330	NUM
fsr-3429	327	95	)	)	PUNCT
fsr-3429	327	96	1.188	1.188	NUM
fsr-3429	327	97	*	*	PUNCT
fsr-3429	327	98	*	*	PUNCT
fsr-3429	327	99	*	*	PUNCT
fsr-3429	327	100	(	(	PUNCT
fsr-3429	327	101	0.039	0.039	NUM
fsr-3429	327	102	)	)	PUNCT
fsr-3429	327	103	0.141	0.141	NUM
fsr-3429	327	104	*	*	PUNCT
fsr-3429	327	105	*	*	PUNCT
fsr-3429	327	106	*	*	PUNCT
fsr-3429	327	107	(	(	PUNCT
fsr-3429	327	108	0.034	0.034	NUM
fsr-3429	327	109	)	)	PUNCT
fsr-3429	327	110	1.151	1.151	NUM
fsr-3429	327	111	*	*	PUNCT
fsr-3429	327	112	*	*	PUNCT
fsr-3429	327	113	*	*	PUNCT
fsr-3429	327	114	(	(	PUNCT
fsr-3429	327	115	0.039	0.039	NUM
fsr-3429	327	116	)	)	PUNCT
fsr-3429	327	117	0.224	0.224	NUM
fsr-3429	327	118	*	*	PUNCT
fsr-3429	327	119	*	*	PUNCT
fsr-3429	327	120	*	*	PUNCT
fsr-3429	327	121	(	(	PUNCT
fsr-3429	327	122	0.033	0.033	NUM
fsr-3429	327	123	)	)	PUNCT
fsr-3429	327	124	1.251	1.251	NUM
fsr-3429	327	125	*	*	PUNCT
fsr-3429	327	126	*	*	PUNCT
fsr-3429	327	127	*	*	PUNCT
fsr-3429	327	128	(	(	PUNCT
fsr-3429	327	129	0.042	0.042	NUM
fsr-3429	327	130	)	)	PUNCT
fsr-3429	327	131	marital	marital	ADJ
fsr-3429	327	132	status	status	NOUN
fsr-3429	327	133	�	�	PROPN
fsr-3429	327	134	1.242	1.242	NUM
fsr-3429	327	135	*	*	NOUN
fsr-3429	327	136	*	*	PUNCT
fsr-3429	327	137	(	(	PUNCT
fsr-3429	327	138	0.424	0.424	NUM
fsr-3429	327	139	)	)	PUNCT
fsr-3429	327	140	0.289	0.289	NUM
fsr-3429	327	141	*	*	PUNCT
fsr-3429	327	142	*	*	PUNCT
fsr-3429	327	143	(	(	PUNCT
fsr-3429	327	144	0.122	0.122	NUM
fsr-3429	327	145	)	)	PUNCT
fsr-3429	327	146	0.0897	0.0897	NUM
fsr-3429	327	147	(	(	PUNCT
fsr-3429	327	148	0.452	0.452	NUM
fsr-3429	327	149	)	)	PUNCT
fsr-3429	327	150	1.094	1.094	NUM
fsr-3429	327	151	(	(	PUNCT
fsr-3429	327	152	0.494	0.494	NUM
fsr-3429	327	153	)	)	PUNCT
fsr-3429	327	154	�	�	NOUN
fsr-3429	327	155	0.973	0.973	NUM
fsr-3429	327	156	*	*	NOUN
fsr-3429	327	157	*	*	PUNCT
fsr-3429	327	158	(	(	PUNCT
fsr-3429	327	159	0.427	0.427	NUM
fsr-3429	327	160	)	)	PUNCT
fsr-3429	327	161	0.378	0.378	NUM
fsr-3429	327	162	*	*	PUNCT
fsr-3429	327	163	*	*	PUNCT
fsr-3429	327	164	(	(	PUNCT
fsr-3429	327	165	0.161	0.161	NUM
fsr-3429	327	166	)	)	PUNCT
fsr-3429	327	167	dependents	dependent	NOUN
fsr-3429	327	168	�	�	ADP
fsr-3429	327	169	1.738	1.738	NUM
fsr-3429	327	170	(	(	PUNCT
fsr-3429	327	171	1.144	1.144	NUM
fsr-3429	327	172	)	)	PUNCT
fsr-3429	327	173	0.176	0.176	NUM
fsr-3429	327	174	(	(	PUNCT
fsr-3429	327	175	0.201	0.201	NUM
fsr-3429	327	176	)	)	PUNCT
fsr-3429	327	177	�	�	PROPN
fsr-3429	327	178	2.979	2.979	NUM
fsr-3429	327	179	*	*	NOUN
fsr-3429	327	180	*	*	PUNCT
fsr-3429	327	181	(	(	PUNCT
fsr-3429	327	182	1.154	1.154	NUM
fsr-3429	327	183	)	)	PUNCT
fsr-3429	327	184	0.051	0.051	NUM
fsr-3429	327	185	*	*	PUNCT
fsr-3429	327	186	*	*	PUNCT
fsr-3429	327	187	(	(	PUNCT
fsr-3429	327	188	0.059	0.059	NUM
fsr-3429	327	189	)	)	PUNCT
fsr-3429	327	190	�	�	PROPN
fsr-3429	327	191	2.333	2.333	NUM
fsr-3429	327	192	*	*	NOUN
fsr-3429	327	193	*	*	PUNCT
fsr-3429	327	194	(	(	PUNCT
fsr-3429	327	195	1.155	1.155	NUM
fsr-3429	327	196	)	)	PUNCT
fsr-3429	327	197	0.097	0.097	NUM
fsr-3429	327	198	*	*	PUNCT
fsr-3429	327	199	*	*	PUNCT
fsr-3429	327	200	(	(	PUNCT
fsr-3429	327	201	0.112	0.112	NUM
fsr-3429	327	202	)	)	PUNCT
fsr-3429	327	203	gender	gender	NOUN
fsr-3429	327	204	:	:	PUNCT
fsr-3429	327	205	male	male	NOUN
fsr-3429	327	206	�	�	PROPN
fsr-3429	327	207	0.320	0.320	NUM
fsr-3429	327	208	(	(	PUNCT
fsr-3429	327	209	0.400	0.400	NUM
fsr-3429	327	210	)	)	PUNCT
fsr-3429	327	211	0.726	0.726	NUM
fsr-3429	327	212	(	(	PUNCT
fsr-3429	327	213	0.290	0.290	NUM
fsr-3429	327	214	)	)	PUNCT
fsr-3429	327	215	�	�	PROPN
fsr-3429	327	216	0.519	0.519	NUM
fsr-3429	327	217	(	(	PUNCT
fsr-3429	327	218	0.410	0.410	NUM
fsr-3429	327	219	)	)	PUNCT
fsr-3429	327	220	0.595	0.595	NUM
fsr-3429	327	221	(	(	PUNCT
fsr-3429	327	222	0.244	0.244	NUM
fsr-3429	327	223	)	)	PUNCT
fsr-3429	327	224	�	�	PROPN
fsr-3429	327	225	1.041	1.041	NUM
fsr-3429	327	226	*	*	NOUN
fsr-3429	327	227	*	*	PUNCT
fsr-3429	327	228	(	(	PUNCT
fsr-3429	327	229	0.401	0.401	NUM
fsr-3429	327	230	)	)	PUNCT
fsr-3429	327	231	0.353	0.353	NUM
fsr-3429	327	232	*	*	NOUN
fsr-3429	327	233	*	*	PUNCT
fsr-3429	327	234	(	(	PUNCT
fsr-3429	327	235	0.142	0.142	NUM
fsr-3429	327	236	)	)	PUNCT
fsr-3429	327	237	race	race	NOUN
fsr-3429	327	238	:	:	PUNCT
fsr-3429	327	239	colored	color	VERB
fsr-3429	327	240	1.370	1.370	NUM
fsr-3429	327	241	(	(	PUNCT
fsr-3429	327	242	1.537	1.537	NUM
fsr-3429	327	243	)	)	PUNCT
fsr-3429	327	244	3.936	3.936	NUM
fsr-3429	327	245	(	(	PUNCT
fsr-3429	327	246	6.051	6.051	NUM
fsr-3429	327	247	)	)	PUNCT
fsr-3429	327	248	1.144	1.144	NUM
fsr-3429	327	249	(	(	PUNCT
fsr-3429	327	250	1.497	1.497	NUM
fsr-3429	327	251	)	)	PUNCT
fsr-3429	327	252	3.140	3.140	NUM
fsr-3429	327	253	(	(	PUNCT
fsr-3429	327	254	4.700	4.700	NUM
fsr-3429	327	255	)	)	PUNCT
fsr-3429	327	256	1.316	1.316	NUM
fsr-3429	327	257	(	(	PUNCT
fsr-3429	327	258	1.503	1.503	NUM
fsr-3429	327	259	)	)	PUNCT
fsr-3429	327	260	3.728	3.728	NUM
fsr-3429	327	261	(	(	PUNCT
fsr-3429	327	262	5.604	5.604	NUM
fsr-3429	327	263	)	)	PUNCT
fsr-3429	327	264	race	race	NOUN
fsr-3429	327	265	:	:	PUNCT
fsr-3429	327	266	african	african	PROPN
fsr-3429	327	267	1.885	1.885	NUM
fsr-3429	327	268	(	(	PUNCT
fsr-3429	327	269	1.397	1.397	NUM
fsr-3429	327	270	)	)	PUNCT
fsr-3429	327	271	6.588	6.588	NUM
fsr-3429	327	272	(	(	PUNCT
fsr-3429	327	273	9.204	9.204	NUM
fsr-3429	327	274	)	)	PUNCT
fsr-3429	327	275	1.308	1.308	NUM
fsr-3429	327	276	(	(	PUNCT
fsr-3429	327	277	1.359	1.359	NUM
fsr-3429	327	278	)	)	PUNCT
fsr-3429	327	279	3.699	3.699	NUM
fsr-3429	327	280	(	(	PUNCT
fsr-3429	327	281	5.027	5.027	NUM
fsr-3429	327	282	)	)	PUNCT
fsr-3429	327	283	1.691	1.691	NUM
fsr-3429	327	284	(	(	PUNCT
fsr-3429	327	285	1.370	1.370	NUM
fsr-3429	327	286	)	)	PUNCT
fsr-3429	327	287	5.425	5.425	NUM
fsr-3429	327	288	(	(	PUNCT
fsr-3429	327	289	7.431	7.431	NUM
fsr-3429	327	290	)	)	PUNCT
fsr-3429	327	291	log	log	PROPN
fsr-3429	327	292	coe	coe	PROPN
fsr-3429	327	293	1.009	1.009	NUM
fsr-3429	327	294	(	(	PUNCT
fsr-3429	327	295	0.628	0.628	NUM
fsr-3429	327	296	)	)	PUNCT
fsr-3429	327	297	2.742	2.742	NUM
fsr-3429	327	298	(	(	PUNCT
fsr-3429	327	299	1.724	1.724	NUM
fsr-3429	327	300	)	)	PUNCT
fsr-3429	328	1	1.813	1.813	NUM
fsr-3429	328	2	*	*	PUNCT
fsr-3429	328	3	*	*	PUNCT
fsr-3429	328	4	(	(	PUNCT
fsr-3429	328	5	0.641	0.641	NUM
fsr-3429	328	6	)	)	PUNCT
fsr-3429	328	7	6.126	6.126	NUM
fsr-3429	328	8	*	*	PUNCT
fsr-3429	328	9	*	*	PUNCT
fsr-3429	328	10	(	(	PUNCT
fsr-3429	328	11	3.926	3.926	NUM
fsr-3429	328	12	)	)	PUNCT
fsr-3429	328	13	1.408	1.408	NUM
fsr-3429	328	14	*	*	PUNCT
fsr-3429	328	15	*	*	PUNCT
fsr-3429	328	16	(	(	PUNCT
fsr-3429	328	17	0.637	0.637	NUM
fsr-3429	328	18	)	)	PUNCT
fsr-3429	328	19	4.087	4.087	NUM
fsr-3429	328	20	*	*	SYM
fsr-3429	328	21	*	*	PUNCT
fsr-3429	328	22	(	(	PUNCT
fsr-3429	328	23	2.605	2.605	NUM
fsr-3429	328	24	)	)	PUNCT
fsr-3429	328	25	qualification	qualification	NOUN
fsr-3429	328	26	:	:	PUNCT
fsr-3429	328	27	high	high	ADJ
fsr-3429	328	28	school	school	NOUN
fsr-3429	328	29	5.949	5.949	NUM
fsr-3429	328	30	*	*	PUNCT
fsr-3429	328	31	*	*	PUNCT
fsr-3429	328	32	(	(	PUNCT
fsr-3429	328	33	2.415	2.415	NUM
fsr-3429	328	34	)	)	PUNCT
fsr-3429	328	35	383.55	383.55	NUM
fsr-3429	328	36	*	*	PUNCT
fsr-3429	328	37	*	*	PUNCT
fsr-3429	328	38	(	(	PUNCT
fsr-3429	328	39	926.35	926.35	NUM
fsr-3429	328	40	)	)	PUNCT
fsr-3429	328	41	5.055	5.055	NUM
fsr-3429	328	42	*	*	PUNCT
fsr-3429	328	43	*	*	PUNCT
fsr-3429	328	44	(	(	PUNCT
fsr-3429	328	45	2.432	2.432	NUM
fsr-3429	328	46	)	)	PUNCT
fsr-3429	328	47	156.79	156.79	NUM
fsr-3429	328	48	*	*	NOUN
fsr-3429	328	49	*	*	PUNCT
fsr-3429	328	50	(	(	PUNCT
fsr-3429	328	51	381.31	381.31	NUM
fsr-3429	328	52	)	)	PUNCT
fsr-3429	328	53	6.033	6.033	NUM
fsr-3429	328	54	*	*	NOUN
fsr-3429	328	55	*	*	PUNCT
fsr-3429	328	56	(	(	PUNCT
fsr-3429	328	57	2.422	2.422	NUM
fsr-3429	328	58	)	)	PUNCT
fsr-3429	328	59	416.82	416.82	NUM
fsr-3429	328	60	*	*	PUNCT
fsr-3429	328	61	*	*	PUNCT
fsr-3429	328	62	(	(	PUNCT
fsr-3429	328	63	1009.69	1009.69	NUM
fsr-3429	328	64	)	)	PUNCT
fsr-3429	328	65	qualification	qualification	NOUN
fsr-3429	328	66	:	:	PUNCT
fsr-3429	328	67	college	college	NOUN
fsr-3429	328	68	0.649	0.649	NUM
fsr-3429	328	69	(	(	PUNCT
fsr-3429	328	70	0.633	0.633	NUM
fsr-3429	328	71	)	)	PUNCT
fsr-3429	328	72	1.914	1.914	NUM
fsr-3429	328	73	(	(	PUNCT
fsr-3429	328	74	1.211	1.211	NUM
fsr-3429	328	75	)	)	PUNCT
fsr-3429	328	76	1.666	1.666	NUM
fsr-3429	328	77	*	*	PUNCT
fsr-3429	328	78	*	*	PUNCT
fsr-3429	328	79	(	(	PUNCT
fsr-3429	328	80	0.631	0.631	NUM
fsr-3429	328	81	)	)	PUNCT
fsr-3429	328	82	5.294	5.294	NUM
fsr-3429	328	83	*	*	PUNCT
fsr-3429	328	84	*	*	PUNCT
fsr-3429	328	85	(	(	PUNCT
fsr-3429	328	86	3.340	3.340	NUM
fsr-3429	328	87	)	)	PUNCT
fsr-3429	328	88	1.551	1.551	NUM
fsr-3429	328	89	*	*	PUNCT
fsr-3429	328	90	*	*	PUNCT
fsr-3429	328	91	(	(	PUNCT
fsr-3429	328	92	0.628	0.628	NUM
fsr-3429	328	93	)	)	PUNCT
fsr-3429	328	94	4.715	4.715	NUM
fsr-3429	328	95	*	*	PUNCT
fsr-3429	328	96	*	*	PUNCT
fsr-3429	328	97	(	(	PUNCT
fsr-3429	328	98	2.960	2.960	NUM
fsr-3429	328	99	)	)	PUNCT
fsr-3429	328	100	qualification	qualification	NOUN
fsr-3429	328	101	:	:	PUNCT
fsr-3429	328	102	postgraduate	postgraduate	VERB
fsr-3429	328	103	1.458	1.458	NUM
fsr-3429	328	104	*	*	NOUN
fsr-3429	328	105	*	*	PUNCT
fsr-3429	328	106	(	(	PUNCT
fsr-3429	328	107	0.743	0.743	NUM
fsr-3429	328	108	)	)	PUNCT
fsr-3429	328	109	4.297	4.297	NUM
fsr-3429	328	110	*	*	NOUN
fsr-3429	328	111	*	*	PUNCT
fsr-3429	328	112	(	(	PUNCT
fsr-3429	328	113	3.191	3.191	NUM
fsr-3429	328	114	)	)	PUNCT
fsr-3429	328	115	0.613	0.613	NUM
fsr-3429	328	116	(	(	PUNCT
fsr-3429	328	117	0.760	0.760	NUM
fsr-3429	328	118	)	)	PUNCT
fsr-3429	328	119	1.845	1.845	NUM
fsr-3429	328	120	(	(	PUNCT
fsr-3429	328	121	1.402	1.402	NUM
fsr-3429	328	122	)	)	PUNCT
fsr-3429	328	123	1.338	1.338	NUM
fsr-3429	328	124	*	*	SYM
fsr-3429	328	125	(	(	PUNCT
fsr-3429	328	126	0.757	0.757	NUM
fsr-3429	328	127	)	)	PUNCT
fsr-3429	328	128	3.811	3.811	NUM
fsr-3429	328	129	*	*	SYM
fsr-3429	328	130	(	(	PUNCT
fsr-3429	328	131	2.887	2.887	NUM
fsr-3429	328	132	)	)	PUNCT
fsr-3429	328	133	qualification	qualification	NOUN
fsr-3429	328	134	:	:	PUNCT
fsr-3429	328	135	unknown	unknown	ADJ
fsr-3429	328	136	0.143	0.143	NUM
fsr-3429	328	137	(	(	PUNCT
fsr-3429	328	138	0.520	0.520	NUM
fsr-3429	328	139	)	)	PUNCT
fsr-3429	328	140	1.154	1.154	NUM
fsr-3429	328	141	(	(	PUNCT
fsr-3429	328	142	0.600	0.600	NUM
fsr-3429	328	143	)	)	PUNCT
fsr-3429	328	144	�	�	PROPN
fsr-3429	328	145	0.388	0.388	NUM
fsr-3429	328	146	(	(	PUNCT
fsr-3429	328	147	0.574	0.574	NUM
fsr-3429	328	148	)	)	PUNCT
fsr-3429	328	149	0.679	0.679	NUM
fsr-3429	328	150	(	(	PUNCT
fsr-3429	328	151	0.390	0.390	NUM
fsr-3429	328	152	)	)	PUNCT
fsr-3429	328	153	0.379	0.379	NUM
fsr-3429	328	154	(	(	PUNCT
fsr-3429	328	155	0.540	0.540	NUM
fsr-3429	328	156	)	)	PUNCT
fsr-3429	328	157	1.461	1.461	NUM
fsr-3429	328	158	(	(	PUNCT
fsr-3429	328	159	0.788	0.788	NUM
fsr-3429	328	160	)	)	PUNCT
fsr-3429	328	161	constant	constant	ADJ
fsr-3429	328	162	�	�	PROPN
fsr-3429	328	163	21.67	21.67	NUM
fsr-3429	328	164	*	*	NOUN
fsr-3429	328	165	*	*	PUNCT
fsr-3429	328	166	(	(	PUNCT
fsr-3429	328	167	7.334	7.334	NUM
fsr-3429	328	168	)	)	PUNCT
fsr-3429	328	169	<	<	X
fsr-3429	328	170	0.001	0.001	NUM
fsr-3429	328	171	*	*	NOUN
fsr-3429	328	172	*	*	PUNCT
fsr-3429	328	173	(	(	PUNCT
fsr-3429	328	174	<	<	NOUN
fsr-3429	328	175	0.001	0.001	NUM
fsr-3429	328	176	)	)	PUNCT
fsr-3429	328	177	�	�	PROPN
fsr-3429	328	178	32.22	32.22	NUM
fsr-3429	328	179	*	*	PUNCT
fsr-3429	328	180	*	*	PUNCT
fsr-3429	328	181	*	*	PUNCT
fsr-3429	328	182	(	(	PUNCT
fsr-3429	328	183	7.488	7.488	NUM
fsr-3429	328	184	)	)	PUNCT
fsr-3429	328	185	<	<	X
fsr-3429	328	186	0.001	0.001	NUM
fsr-3429	328	187	*	*	PUNCT
fsr-3429	328	188	*	*	PUNCT
fsr-3429	328	189	*	*	PUNCT
fsr-3429	328	190	(	(	PUNCT
fsr-3429	328	191	<	<	NOUN
fsr-3429	328	192	0.001	0.001	NUM
fsr-3429	328	193	)	)	PUNCT
fsr-3429	328	194	�	�	PROPN
fsr-3429	328	195	28.72	28.72	NUM
fsr-3429	328	196	*	*	PUNCT
fsr-3429	328	197	*	*	PUNCT
fsr-3429	328	198	*	*	PUNCT
fsr-3429	328	199	(	(	PUNCT
fsr-3429	328	200	7.470	7.470	NUM
fsr-3429	328	201	)	)	PUNCT
fsr-3429	328	202	<	<	X
fsr-3429	328	203	0.001	0.001	NUM
fsr-3429	328	204	*	*	PUNCT
fsr-3429	328	205	*	*	PUNCT
fsr-3429	328	206	*	*	PUNCT
fsr-3429	328	207	(	(	PUNCT
fsr-3429	328	208	<	<	NOUN
fsr-3429	328	209	0.001	0.001	NUM
fsr-3429	328	210	)	)	PUNCT
fsr-3429	328	211	observations	observation	NOUN
fsr-3429	328	212	708	708	NUM
fsr-3429	328	213	pseudo	pseudo	NOUN
fsr-3429	328	214	r2	r2	NOUN
fsr-3429	328	215	0.2414	0.2414	NUM
fsr-3429	328	216	source	source	NOUN
fsr-3429	328	217	:	:	PUNCT
fsr-3429	328	218	author	author	NOUN
fsr-3429	328	219	’s	’s	PART
fsr-3429	328	220	calculations	calculation	NOUN
fsr-3429	328	221	.	.	PUNCT
fsr-3429	329	1	sample	sample	NOUN
fsr-3429	329	2	weighted	weight	VERB
fsr-3429	329	3	by	by	ADP
fsr-3429	329	4	gender	gender	NOUN
fsr-3429	329	5	and	and	CCONJ
fsr-3429	329	6	race	race	NOUN
fsr-3429	329	7	.	.	PUNCT
fsr-3429	330	1	standard	standard	ADJ
fsr-3429	330	2	errors	error	NOUN
fsr-3429	330	3	in	in	ADP
fsr-3429	330	4	parentheses	parenthesis	NOUN
fsr-3429	330	5	.	.	PUNCT
fsr-3429	331	1	*	*	PUNCT
fsr-3429	332	1	*	*	PUNCT
fsr-3429	332	2	*	*	PUNCT
fsr-3429	332	3	p	p	X
fsr-3429	332	4	<	<	X
fsr-3429	332	5	.01	.01	NUM
fsr-3429	332	6	,	,	PUNCT
fsr-3429	332	7	*	*	PUNCT
fsr-3429	332	8	*	*	PUNCT
fsr-3429	332	9	p	p	X
fsr-3429	332	10	<	<	X
fsr-3429	332	11	.05	.05	NUM
fsr-3429	332	12	,	,	PUNCT
fsr-3429	332	13	*	*	PUNCT
fsr-3429	333	1	p	p	X
fsr-3429	333	2	<	<	X
fsr-3429	333	3	.1	.1	NUM
fsr-3429	333	4	.	.	PUNCT
fsr-3429	334	1	258	258	NUM
fsr-3429	334	2	g.d	g.d	NOUN
fsr-3429	334	3	.	.	PROPN
fsr-3429	334	4	willows	willows	PROPN
fsr-3429	334	5	/	/	SYM
fsr-3429	334	6	financial	financial	ADJ
fsr-3429	334	7	services	service	NOUN
fsr-3429	334	8	review	review	VERB
fsr-3429	334	9	28	28	NUM
fsr-3429	334	10	(	(	PUNCT
fsr-3429	334	11	2020	2020	NUM
fsr-3429	334	12	)	)	PUNCT
fsr-3429	335	1	243–271	243–271	NUM
fsr-3429	335	2	classified	classify	VERB
fsr-3429	335	3	as	as	ADP
fsr-3429	335	4	a	a	DET
fsr-3429	335	5	type	type	NOUN
fsr-3429	335	6	of	of	ADP
fsr-3429	335	7	planner	planner	NOUN
fsr-3429	335	8	(	(	PUNCT
fsr-3429	335	9	i.e.	i.e.	X
fsr-3429	335	10	,	,	PUNCT
fsr-3429	335	11	“	"	PUNCT
fsr-3429	335	12	simple	simple	ADJ
fsr-3429	335	13	,	,	PUNCT
fsr-3429	335	14	”	"	PUNCT
fsr-3429	335	15	“	"	PUNCT
fsr-3429	335	16	serious	serious	ADJ
fsr-3429	335	17	,	,	PUNCT
fsr-3429	335	18	”	"	PUNCT
fsr-3429	335	19	or	or	CCONJ
fsr-3429	335	20	“	"	PUNCT
fsr-3429	335	21	successful	successful	ADJ
fsr-3429	335	22	planner	planner	NOUN
fsr-3429	335	23	”	"	PUNCT
fsr-3429	335	24	)	)	PUNCT
fsr-3429	335	25	.	.	PUNCT
fsr-3429	336	1	this	this	PRON
fsr-3429	336	2	is	be	AUX
fsr-3429	336	3	done	do	VERB
fsr-3429	336	4	to	to	PART
fsr-3429	336	5	assess	assess	VERB
fsr-3429	336	6	the	the	DET
fsr-3429	336	7	influence	influence	NOUN
fsr-3429	336	8	of	of	ADP
fsr-3429	336	9	different	different	ADJ
fsr-3429	336	10	planning	planning	NOUN
fsr-3429	336	11	tools	tool	NOUN
fsr-3429	336	12	,	,	PUNCT
fsr-3429	336	13	as	as	SCONJ
fsr-3429	336	14	only	only	ADV
fsr-3429	336	15	those	those	DET
fsr-3429	336	16	respondents	respondent	NOUN
fsr-3429	336	17	who	who	PRON
fsr-3429	336	18	indicated	indicate	VERB
fsr-3429	336	19	that	that	SCONJ
fsr-3429	336	20	they	they	PRON
fsr-3429	336	21	did	do	AUX
fsr-3429	336	22	try	try	VERB
fsr-3429	336	23	to	to	PART
fsr-3429	336	24	determine	determine	VERB
fsr-3429	336	25	how	how	SCONJ
fsr-3429	336	26	much	much	ADJ
fsr-3429	336	27	to	to	PART
fsr-3429	336	28	save	save	VERB
fsr-3429	336	29	for	for	ADP
fsr-3429	336	30	retirement	retirement	NOUN
fsr-3429	336	31	were	be	AUX
fsr-3429	336	32	asked	ask	VERB
fsr-3429	336	33	which	which	DET
fsr-3429	336	34	planning	planning	NOUN
fsr-3429	336	35	tools	tool	NOUN
fsr-3429	336	36	they	they	PRON
fsr-3429	336	37	used	use	VERB
fsr-3429	336	38	.	.	PUNCT
fsr-3429	337	1	test	test	NOUN
fsr-3429	337	2	2	2	NUM
fsr-3429	337	3	assesses	assesse	NOUN
fsr-3429	337	4	all	all	DET
fsr-3429	337	5	753	753	NUM
fsr-3429	337	6	respondents	respondent	NOUN
fsr-3429	337	7	,	,	PUNCT
fsr-3429	337	8	that	that	ADV
fsr-3429	337	9	is	is	ADV
fsr-3429	337	10	,	,	PUNCT
fsr-3429	337	11	simple	simple	ADJ
fsr-3429	337	12	,	,	PUNCT
fsr-3429	337	13	serious	serious	ADJ
fsr-3429	337	14	,	,	PUNCT
fsr-3429	337	15	and	and	CCONJ
fsr-3429	337	16	successful	successful	ADJ
fsr-3429	337	17	planners	planner	NOUN
fsr-3429	337	18	as	as	ADV
fsr-3429	337	19	well	well	ADV
fsr-3429	337	20	as	as	ADP
fsr-3429	337	21	those	those	PRON
fsr-3429	337	22	classified	classify	VERB
fsr-3429	337	23	as	as	ADP
fsr-3429	337	24	not	not	PART
fsr-3429	337	25	a	a	DET
fsr-3429	337	26	planner	planner	NOUN
fsr-3429	337	27	.	.	PUNCT
fsr-3429	338	1	an	an	DET
fsr-3429	338	2	approximate	approximate	ADJ
fsr-3429	338	3	likelihoodratio	likelihoodratio	NOUN
fsr-3429	338	4	test	test	NOUN
fsr-3429	338	5	of	of	ADP
fsr-3429	338	6	proportionality	proportionality	NOUN
fsr-3429	338	7	of	of	ADP
fsr-3429	338	8	odds	odd	NOUN
fsr-3429	338	9	across	across	ADP
fsr-3429	338	10	response	response	NOUN
fsr-3429	338	11	categories	category	NOUN
fsr-3429	338	12	was	be	AUX
fsr-3429	338	13	performed	perform	VERB
fsr-3429	338	14	and	and	CCONJ
fsr-3429	338	15	the	the	DET
fsr-3429	338	16	results	result	NOUN
fsr-3429	338	17	showed	show	VERB
fsr-3429	338	18	no	no	DET
fsr-3429	338	19	serious	serious	ADJ
fsr-3429	338	20	violation	violation	NOUN
fsr-3429	338	21	of	of	ADP
fsr-3429	338	22	the	the	DET
fsr-3429	338	23	assumption	assumption	NOUN
fsr-3429	338	24	(	(	PUNCT
fsr-3429	338	25	test	test	NOUN
fsr-3429	338	26	1	1	NUM
fsr-3429	338	27	:	:	PUNCT
fsr-3429	338	28	x2(13)¼	x2(13)¼	PROPN
fsr-3429	338	29	15.92	15.92	NUM
fsr-3429	338	30	,	,	PUNCT
fsr-3429	338	31	p¼	p¼	VERB
fsr-3429	338	32	.2536	.2536	NOUN
fsr-3429	338	33	and	and	CCONJ
fsr-3429	338	34	test	test	NOUN
fsr-3429	338	35	2	2	NUM
fsr-3429	338	36	:	:	PUNCT
fsr-3429	338	37	x	x	PROPN
fsr-3429	338	38	2(16)¼	2(16)¼	NUM
fsr-3429	338	39	22.48	22.48	NUM
fsr-3429	338	40	,	,	PUNCT
fsr-3429	338	41	p¼	p¼	PROPN
fsr-3429	338	42	.1283	.1283	PROPN
fsr-3429	338	43	)	)	PUNCT
fsr-3429	338	44	.	.	PUNCT
fsr-3429	339	1	the	the	DET
fsr-3429	339	2	models	model	NOUN
fsr-3429	339	3	are	be	AUX
fsr-3429	339	4	as	as	SCONJ
fsr-3429	339	5	follows	follow	VERB
fsr-3429	339	6	:	:	PUNCT
fsr-3429	339	7	type	type	NOUN
fsr-3429	339	8	of	of	ADP
fsr-3429	339	9	planner	planner	NOUN
fsr-3429	339	10	¼	¼	NOUN
fsr-3429	339	11	b	b	PROPN
fsr-3429	339	12	0	0	NUM
fsr-3429	339	13	þ	þ	NOUN
fsr-3429	339	14	b	b	PROPN
fsr-3429	339	15	1	1	NUM
fsr-3429	339	16	talk	talk	NOUN
fsr-3429	339	17	to	to	ADP
fsr-3429	339	18	family	family	NOUN
fsr-3429	339	19	=	=	NOUN
fsr-3429	339	20	relatives	relative	NOUN
fsr-3429	339	21	þ	þ	PROPN
fsr-3429	339	22	b	b	PROPN
fsr-3429	339	23	2	2	NUM
fsr-3429	339	24	talk	talk	NOUN
fsr-3429	339	25	to	to	ADP
fsr-3429	339	26	co	co	NOUN
fsr-3429	339	27	-	-	NOUN
fsr-3429	339	28	workers	worker	NOUN
fsr-3429	339	29	=	=	NOUN
fsr-3429	339	30	friends	friend	NOUN
fsr-3429	339	31	þ	þ	PROPN
fsr-3429	339	32	b	b	X
fsr-3429	339	33	3	3	NUM
fsr-3429	339	34	attemded	attemde	VERB
fsr-3429	339	35	retirement	retirement	NOUN
fsr-3429	339	36	seminars	seminar	NOUN
fsr-3429	339	37	þ	þ	PROPN
fsr-3429	339	38	b	b	X
fsr-3429	339	39	4used	4use	VERB
fsr-3429	339	40	calculators	calculator	NOUN
fsr-3429	339	41	or	or	CCONJ
fsr-3429	339	42	worksheets	worksheet	NOUN
fsr-3429	339	43	þ	þ	PROPN
fsr-3429	339	44	b	b	PROPN
fsr-3429	339	45	5	5	NUM
fsr-3429	339	46	consulted	consult	VERB
fsr-3429	339	47	a	a	DET
fsr-3429	339	48	financial	financial	ADJ
fsr-3429	339	49	planner	planner	NOUN
fsr-3429	339	50	þ	þ	PROPN
fsr-3429	339	51	b	b	PROPN
fsr-3429	339	52	6	6	NUM
fsr-3429	339	53	financial	financial	ADJ
fsr-3429	339	54	literacy	literacy	NOUN
fsr-3429	340	1	þ	þ	PROPN
fsr-3429	340	2	b	b	PROPN
fsr-3429	340	3	7	7	NUM
fsr-3429	340	4	ageþ	ageþ	PROPN
fsr-3429	340	5	b	b	PROPN
fsr-3429	340	6	8marital	8marital	PROPN
fsr-3429	340	7	status	status	NOUN
fsr-3429	340	8	þ	þ	PROPN
fsr-3429	340	9	b	b	PROPN
fsr-3429	340	10	9	9	NUM
fsr-3429	340	11	financial	financial	ADJ
fsr-3429	340	12	dependents	dependent	NOUN
fsr-3429	340	13	þ	þ	PROPN
fsr-3429	340	14	b	b	PROPN
fsr-3429	340	15	10gender	10gender	NUM
fsr-3429	340	16	þ	þ	PROPN
fsr-3429	340	17	b	b	PROPN
fsr-3429	340	18	11	11	NUM
fsr-3429	340	19	-	-	SYM
fsr-3429	340	20	15	15	NUM
fsr-3429	340	21	racial	racial	ADJ
fsr-3429	340	22	grouping	grouping	NOUN
fsr-3429	340	23	dummies	dummy	NOUN
fsr-3429	340	24	þ	þ	PROPN
fsr-3429	340	25	b	b	PROPN
fsr-3429	340	26	16	16	NUM
fsr-3429	340	27	log	log	NOUN
fsr-3429	340	28	of	of	ADP
fsr-3429	340	29	cost	cost	NOUN
fsr-3429	340	30	of	of	ADP
fsr-3429	340	31	employment	employment	NOUN
fsr-3429	340	32	þ	þ	PROPN
fsr-3429	340	33	b	b	PROPN
fsr-3429	340	34	17	17	NUM
fsr-3429	340	35	-	-	SYM
fsr-3429	340	36	22	22	NUM
fsr-3429	340	37	level	level	NOUN
fsr-3429	340	38	of	of	ADP
fsr-3429	340	39	qualification	qualification	NOUN
fsr-3429	340	40	dummies	dummy	NOUN
fsr-3429	340	41	þ	þ	NOUN
fsr-3429	340	42	e	e	X
fsr-3429	340	43	(	(	PUNCT
fsr-3429	340	44	3	3	X
fsr-3429	340	45	)	)	PUNCT
fsr-3429	340	46	type	type	NOUN
fsr-3429	340	47	of	of	ADP
fsr-3429	340	48	planner	planner	NOUN
fsr-3429	340	49	¼	¼	NOUN
fsr-3429	340	50	b	b	PROPN
fsr-3429	340	51	0	0	NUM
fsr-3429	340	52	þ	þ	NOUN
fsr-3429	340	53	b	b	PROPN
fsr-3429	340	54	1	1	NUM
fsr-3429	340	55	financial	financial	ADJ
fsr-3429	340	56	literacyþ	literacyþ	NOUN
fsr-3429	340	57	b	b	PROPN
fsr-3429	340	58	2	2	NUM
fsr-3429	340	59	ageþ	ageþ	PROPN
fsr-3429	340	60	b	b	PROPN
fsr-3429	340	61	3marital	3marital	NUM
fsr-3429	340	62	status	status	NOUN
fsr-3429	340	63	þ	þ	PROPN
fsr-3429	340	64	b	b	PROPN
fsr-3429	340	65	4	4	NUM
fsr-3429	340	66	financial	financial	ADJ
fsr-3429	340	67	dependentsþ	dependentsþ	PROPN
fsr-3429	340	68	b	b	PROPN
fsr-3429	340	69	5	5	NUM
fsr-3429	340	70	gender	gender	NOUN
fsr-3429	340	71	þ	þ	PROPN
fsr-3429	340	72	b	b	PROPN
fsr-3429	340	73	6	6	NUM
fsr-3429	340	74	-	-	SYM
fsr-3429	340	75	10	10	NUM
fsr-3429	340	76	racial	racial	ADJ
fsr-3429	340	77	grouping	grouping	NOUN
fsr-3429	340	78	dummies	dummy	NOUN
fsr-3429	340	79	þ	þ	PROPN
fsr-3429	340	80	b	b	PROPN
fsr-3429	340	81	11	11	NUM
fsr-3429	340	82	log	log	NOUN
fsr-3429	340	83	of	of	ADP
fsr-3429	340	84	cost	cost	NOUN
fsr-3429	340	85	of	of	ADP
fsr-3429	340	86	employment	employment	NOUN
fsr-3429	340	87	þ	þ	PROPN
fsr-3429	340	88	b	b	PROPN
fsr-3429	340	89	12	12	NUM
fsr-3429	340	90	-	-	SYM
fsr-3429	340	91	17	17	NUM
fsr-3429	340	92	level	level	NOUN
fsr-3429	340	93	of	of	ADP
fsr-3429	340	94	qualification	qualification	NOUN
fsr-3429	340	95	dummies	dummy	NOUN
fsr-3429	340	96	þ	þ	NOUN
fsr-3429	340	97	e	e	X
fsr-3429	340	98	(	(	PUNCT
fsr-3429	340	99	4	4	X
fsr-3429	340	100	)	)	PUNCT
fsr-3429	340	101	consulting	consult	VERB
fsr-3429	340	102	a	a	DET
fsr-3429	340	103	financial	financial	ADJ
fsr-3429	340	104	advisor	advisor	NOUN
fsr-3429	340	105	or	or	CCONJ
fsr-3429	340	106	talking	talk	VERB
fsr-3429	340	107	to	to	ADP
fsr-3429	340	108	family	family	NOUN
fsr-3429	340	109	or	or	CCONJ
fsr-3429	340	110	relatives	relative	NOUN
fsr-3429	340	111	statistically	statistically	ADV
fsr-3429	340	112	significantly	significantly	ADV
fsr-3429	340	113	increases	increase	VERB
fsr-3429	340	114	the	the	DET
fsr-3429	340	115	odds	odd	NOUN
fsr-3429	340	116	of	of	ADP
fsr-3429	340	117	being	be	AUX
fsr-3429	340	118	a	a	DET
fsr-3429	340	119	successful	successful	ADJ
fsr-3429	340	120	planner	planner	NOUN
fsr-3429	340	121	versus	versus	ADP
fsr-3429	340	122	the	the	DET
fsr-3429	340	123	combined	combined	ADJ
fsr-3429	340	124	simple	simple	ADJ
fsr-3429	340	125	and	and	CCONJ
fsr-3429	340	126	serious	serious	ADJ
fsr-3429	340	127	planner	planner	NOUN
fsr-3429	340	128	.	.	PUNCT
fsr-3429	341	1	the	the	DET
fsr-3429	341	2	former	former	ADJ
fsr-3429	341	3	shows	show	VERB
fsr-3429	341	4	that	that	SCONJ
fsr-3429	341	5	a	a	DET
fsr-3429	341	6	respondent	respondent	NOUN
fsr-3429	341	7	is	be	AUX
fsr-3429	341	8	40	40	NUM
fsr-3429	341	9	times	time	NOUN
fsr-3429	341	10	more	more	ADV
fsr-3429	341	11	likely	likely	ADJ
fsr-3429	341	12	to	to	PART
fsr-3429	341	13	be	be	AUX
fsr-3429	341	14	a	a	DET
fsr-3429	341	15	more	more	ADV
fsr-3429	341	16	successful	successful	ADJ
fsr-3429	341	17	planner	planner	NOUN
fsr-3429	341	18	if	if	SCONJ
fsr-3429	341	19	he	he	PRON
fsr-3429	341	20	or	or	CCONJ
fsr-3429	341	21	she	she	PRON
fsr-3429	341	22	consults	consult	VERB
fsr-3429	341	23	a	a	DET
fsr-3429	341	24	financial	financial	ADJ
fsr-3429	341	25	planner	planner	NOUN
fsr-3429	341	26	.	.	PUNCT
fsr-3429	342	1	however	however	ADV
fsr-3429	342	2	,	,	PUNCT
fsr-3429	342	3	talking	talk	VERB
fsr-3429	342	4	to	to	ADP
fsr-3429	342	5	co	co	NOUN
fsr-3429	342	6	-	-	NOUN
fsr-3429	342	7	workers	worker	NOUN
fsr-3429	342	8	or	or	CCONJ
fsr-3429	342	9	friends	friend	NOUN
fsr-3429	342	10	as	as	ADP
fsr-3429	342	11	a	a	DET
fsr-3429	342	12	tool	tool	NOUN
fsr-3429	342	13	for	for	ADP
fsr-3429	342	14	retirement	retirement	NOUN
fsr-3429	342	15	planning	planning	NOUN
fsr-3429	342	16	decreases	decrease	VERB
fsr-3429	342	17	the	the	DET
fsr-3429	342	18	odds	odd	NOUN
fsr-3429	342	19	of	of	ADP
fsr-3429	342	20	being	be	AUX
fsr-3429	342	21	a	a	DET
fsr-3429	342	22	more	more	ADV
fsr-3429	342	23	successful	successful	ADJ
fsr-3429	342	24	planner	planner	NOUN
fsr-3429	342	25	.	.	PUNCT
fsr-3429	343	1	this	this	PRON
fsr-3429	343	2	suggests	suggest	VERB
fsr-3429	343	3	that	that	SCONJ
fsr-3429	343	4	a	a	DET
fsr-3429	343	5	more	more	ADV
fsr-3429	343	6	formal	formal	ADJ
fsr-3429	343	7	approach	approach	NOUN
fsr-3429	343	8	is	be	AUX
fsr-3429	343	9	a	a	DET
fsr-3429	343	10	more	more	ADV
fsr-3429	343	11	successful	successful	ADJ
fsr-3429	343	12	approach	approach	NOUN
fsr-3429	343	13	.	.	PUNCT
fsr-3429	344	1	this	this	PRON
fsr-3429	344	2	is	be	AUX
fsr-3429	344	3	supported	support	VERB
fsr-3429	344	4	by	by	ADP
fsr-3429	344	5	bashall	bashall	PROPN
fsr-3429	344	6	,	,	PUNCT
fsr-3429	344	7	willows	willow	NOUN
fsr-3429	344	8	,	,	PUNCT
fsr-3429	344	9	and	and	CCONJ
fsr-3429	344	10	west	west	NOUN
fsr-3429	344	11	(	(	PUNCT
fsr-3429	344	12	2018	2018	NUM
fsr-3429	344	13	)	)	PUNCT
fsr-3429	344	14	who	who	PRON
fsr-3429	344	15	found	find	VERB
fsr-3429	344	16	that	that	SCONJ
fsr-3429	344	17	investors	investor	NOUN
fsr-3429	344	18	acting	act	VERB
fsr-3429	344	19	with	with	ADP
fsr-3429	344	20	the	the	DET
fsr-3429	344	21	assistance	assistance	NOUN
fsr-3429	344	22	of	of	ADP
fsr-3429	344	23	professional	professional	ADJ
fsr-3429	344	24	advisors	advisor	NOUN
fsr-3429	344	25	showed	show	VERB
fsr-3429	344	26	negative	negative	ADJ
fsr-3429	344	27	behavioral	behavioral	ADJ
fsr-3429	344	28	biases	bias	NOUN
fsr-3429	344	29	to	to	ADP
fsr-3429	344	30	a	a	DET
fsr-3429	344	31	lesser	less	ADJ
fsr-3429	344	32	extent	extent	NOUN
fsr-3429	344	33	.	.	PUNCT
fsr-3429	345	1	however	however	ADV
fsr-3429	345	2	,	,	PUNCT
fsr-3429	345	3	this	this	PRON
fsr-3429	345	4	does	do	AUX
fsr-3429	345	5	not	not	PART
fsr-3429	345	6	extend	extend	VERB
fsr-3429	345	7	as	as	ADV
fsr-3429	345	8	far	far	ADV
fsr-3429	345	9	as	as	SCONJ
fsr-3429	345	10	to	to	PART
fsr-3429	345	11	improve	improve	VERB
fsr-3429	345	12	investment	investment	NOUN
fsr-3429	345	13	returns	return	NOUN
fsr-3429	345	14	(	(	PUNCT
fsr-3429	345	15	allie	allie	PROPN
fsr-3429	345	16	,	,	PUNCT
fsr-3429	345	17	west	west	NOUN
fsr-3429	345	18	,	,	PUNCT
fsr-3429	345	19	&	&	CCONJ
fsr-3429	345	20	willows	willow	NOUN
fsr-3429	345	21	,	,	PUNCT
fsr-3429	345	22	2016	2016	NUM
fsr-3429	345	23	)	)	PUNCT
fsr-3429	345	24	.	.	PUNCT
fsr-3429	346	1	the	the	DET
fsr-3429	346	2	benefit	benefit	NOUN
fsr-3429	346	3	of	of	ADP
fsr-3429	346	4	involving	involve	VERB
fsr-3429	346	5	a	a	DET
fsr-3429	346	6	professional	professional	ADJ
fsr-3429	346	7	might	might	AUX
fsr-3429	346	8	be	be	AUX
fsr-3429	346	9	limited	limit	VERB
fsr-3429	346	10	to	to	ADP
fsr-3429	346	11	the	the	DET
fsr-3429	346	12	behavioral	behavioral	ADJ
fsr-3429	346	13	element	element	NOUN
fsr-3429	346	14	.	.	PUNCT
fsr-3429	347	1	however	however	ADV
fsr-3429	347	2	,	,	PUNCT
fsr-3429	347	3	the	the	DET
fsr-3429	347	4	difference	difference	NOUN
fsr-3429	347	5	between	between	ADP
fsr-3429	347	6	financial	financial	ADJ
fsr-3429	347	7	planners	planner	NOUN
fsr-3429	347	8	and	and	CCONJ
fsr-3429	347	9	financial	financial	ADJ
fsr-3429	347	10	advisors	advisor	NOUN
fsr-3429	347	11	are	be	AUX
fsr-3429	347	12	also	also	ADV
fsr-3429	347	13	pervasive	pervasive	ADJ
fsr-3429	347	14	.	.	PUNCT
fsr-3429	348	1	g.d	g.d	NOUN
fsr-3429	348	2	.	.	PROPN
fsr-3429	348	3	willows	willows	PROPN
fsr-3429	348	4	/	/	SYM
fsr-3429	348	5	financial	financial	ADJ
fsr-3429	348	6	services	service	NOUN
fsr-3429	348	7	review	review	VERB
fsr-3429	348	8	28	28	NUM
fsr-3429	348	9	(	(	PUNCT
fsr-3429	348	10	2020	2020	NUM
fsr-3429	348	11	)	)	PUNCT
fsr-3429	349	1	243–271	243–271	NUM
fsr-3429	349	2	259	259	NUM
fsr-3429	349	3	t	t	PROPN
fsr-3429	349	4	ab	ab	PROPN
fsr-3429	349	5	le	le	PROPN
fsr-3429	349	6	9	9	NUM
fsr-3429	349	7	t	t	NOUN
fsr-3429	349	8	w	w	NOUN
fsr-3429	349	9	o	o	X
fsr-3429	349	10	-s	-s	X
fsr-3429	349	11	ta	ta	X
fsr-3429	349	12	g	g	PROPN
fsr-3429	349	13	e	e	PROPN
fsr-3429	349	14	o	o	PROPN
fsr-3429	349	15	rd	rd	NOUN
fsr-3429	350	1	er	er	INTJ
fsr-3429	350	2	ed	ed	NOUN
fsr-3429	350	3	lo	lo	PROPN
fsr-3429	350	4	g	g	PROPN
fsr-3429	350	5	is	be	AUX
fsr-3429	350	6	ti	ti	X
fsr-3429	350	7	c	c	NOUN
fsr-3429	350	8	re	re	ADP
fsr-3429	350	9	g	g	PROPN
fsr-3429	350	10	re	re	ADP
fsr-3429	350	11	ss	ss	PROPN
fsr-3429	350	12	io	io	PROPN
fsr-3429	350	13	n	n	ADV
fsr-3429	351	1	o	o	NOUN
fsr-3429	352	1	f	f	NOUN
fsr-3429	353	1	ty	ty	INTJ
fsr-3429	353	2	p	p	X
fsr-3429	353	3	e	e	NOUN
fsr-3429	353	4	o	o	X
fsr-3429	353	5	f	f	X
fsr-3429	353	6	p	p	PROPN
fsr-3429	353	7	la	la	PROPN
fsr-3429	353	8	n	n	CCONJ
fsr-3429	353	9	n	n	ADV
fsr-3429	353	10	er	er	INTJ
fsr-3429	353	11	t	t	NOUN
fsr-3429	353	12	es	es	X
fsr-3429	353	13	t	t	PROPN
fsr-3429	353	14	1	1	NUM
fsr-3429	353	15	:	:	PUNCT
fsr-3429	353	16	p	p	X
fsr-3429	353	17	la	la	PROPN
fsr-3429	353	18	n	n	CCONJ
fsr-3429	353	19	n	n	ADV
fsr-3429	353	20	er	er	INTJ
fsr-3429	353	21	s	s	X
fsr-3429	353	22	o	o	X
fsr-3429	353	23	n	n	X
fsr-3429	353	24	ly	ly	ADP
fsr-3429	353	25	t	t	PROPN
fsr-3429	353	26	es	es	X
fsr-3429	353	27	t	t	PROPN
fsr-3429	353	28	2	2	NUM
fsr-3429	353	29	:	:	PUNCT
fsr-3429	353	30	a	a	DET
fsr-3429	353	31	ll	ll	NOUN
fsr-3429	353	32	re	re	VERB
fsr-3429	353	33	sp	sp	ADP
fsr-3429	353	34	o	o	PROPN
fsr-3429	353	35	n	n	PROPN
fsr-3429	353	36	d	d	X
fsr-3429	353	37	en	en	X
fsr-3429	353	38	ts	ts	ADP
fsr-3429	353	39	c	c	PROPN
fsr-3429	353	40	o	o	PROPN
fsr-3429	353	41	ef	ef	PROPN
fsr-3429	353	42	fi	fi	PROPN
fsr-3429	353	43	ci	ci	PROPN
fsr-3429	353	44	en	en	PROPN
fsr-3429	353	45	t	t	PROPN
fsr-3429	353	46	(	(	PUNCT
fsr-3429	353	47	s	s	VERB
fsr-3429	353	48	td	td	NOUN
fsr-3429	353	49	er	er	INTJ
fsr-3429	353	50	ro	ro	INTJ
fsr-3429	353	51	r	r	NOUN
fsr-3429	353	52	)	)	PUNCT
fsr-3429	353	53	o	o	NOUN
fsr-3429	354	1	d	d	X
fsr-3429	354	2	d	d	X
fsr-3429	354	3	s	s	VERB
fsr-3429	354	4	ra	ra	NOUN
fsr-3429	354	5	ti	ti	NOUN
fsr-3429	355	1	o	o	NOUN
fsr-3429	355	2	c	c	NOUN
fsr-3429	355	3	o	o	X
fsr-3429	355	4	ef	ef	PROPN
fsr-3429	355	5	fi	fi	PROPN
fsr-3429	355	6	ci	ci	PROPN
fsr-3429	355	7	en	en	PROPN
fsr-3429	355	8	t	t	PROPN
fsr-3429	355	9	(	(	PUNCT
fsr-3429	355	10	s	s	VERB
fsr-3429	355	11	td	td	NOUN
fsr-3429	355	12	er	er	INTJ
fsr-3429	355	13	ro	ro	INTJ
fsr-3429	355	14	r	r	NOUN
fsr-3429	355	15	)	)	PUNCT
fsr-3429	356	1	o	o	NOUN
fsr-3429	357	1	d	d	X
fsr-3429	357	2	d	d	X
fsr-3429	357	3	s	s	VERB
fsr-3429	357	4	ra	ra	NOUN
fsr-3429	357	5	ti	ti	NOUN
fsr-3429	357	6	o	o	PROPN
fsr-3429	357	7	f	f	PROPN
fsr-3429	357	8	in	in	ADP
fsr-3429	357	9	an	an	DET
fsr-3429	357	10	ci	ci	PROPN
fsr-3429	357	11	al	al	PROPN
fsr-3429	357	12	li	li	PROPN
fsr-3429	357	13	te	te	PROPN
fsr-3429	357	14	ra	ra	PROPN
fsr-3429	358	1	cy	cy	INTJ
fsr-3429	358	2	0	0	NUM
fsr-3429	358	3	.0	.0	NUM
fsr-3429	358	4	3	3	NUM
fsr-3429	358	5	3	3	NUM
fsr-3429	358	6	(	(	PUNCT
fsr-3429	358	7	0	0	NUM
fsr-3429	358	8	.0	.0	NUM
fsr-3429	358	9	4	4	NUM
fsr-3429	358	10	0	0	NUM
fsr-3429	358	11	)	)	PUNCT
fsr-3429	358	12	1	1	NUM
fsr-3429	358	13	.0	.0	NUM
fsr-3429	358	14	3	3	NUM
fsr-3429	358	15	4	4	NUM
fsr-3429	358	16	(	(	PUNCT
fsr-3429	358	17	0	0	NUM
fsr-3429	358	18	.0	.0	NUM
fsr-3429	358	19	4	4	NUM
fsr-3429	358	20	1	1	NUM
fsr-3429	358	21	)	)	PUNCT
fsr-3429	358	22	0	0	NUM
fsr-3429	359	1	.0	.0	NUM
fsr-3429	359	2	1	1	NUM
fsr-3429	359	3	8	8	NUM
fsr-3429	359	4	(	(	PUNCT
fsr-3429	359	5	0	0	NUM
fsr-3429	359	6	.0	.0	NUM
fsr-3429	359	7	1	1	NUM
fsr-3429	359	8	3	3	NUM
fsr-3429	359	9	)	)	PUNCT
fsr-3429	359	10	1	1	NUM
fsr-3429	359	11	.0	.0	NUM
fsr-3429	359	12	1	1	NUM
fsr-3429	359	13	8	8	NUM
fsr-3429	359	14	(	(	PUNCT
fsr-3429	359	15	0	0	NUM
fsr-3429	359	16	.0	.0	NUM
fsr-3429	359	17	1	1	NUM
fsr-3429	359	18	3	3	NUM
fsr-3429	359	19	)	)	PUNCT
fsr-3429	359	20	t	t	PROPN
fsr-3429	359	21	al	al	PROPN
fsr-3429	359	22	k	k	PROPN
fsr-3429	359	23	to	to	ADP
fsr-3429	359	24	fa	fa	PROPN
fsr-3429	359	25	m	m	PROPN
fsr-3429	359	26	il	il	PROPN
fsr-3429	359	27	y	y	PROPN
fsr-3429	359	28	/r	/r	PROPN
fsr-3429	360	1	el	el	PROPN
fsr-3429	360	2	at	at	ADP
fsr-3429	360	3	iv	iv	ADP
fsr-3429	360	4	es	es	PRON
fsr-3429	360	5	1	1	NUM
fsr-3429	361	1	.6	.6	NUM
fsr-3429	361	2	3	3	NUM
fsr-3429	361	3	4	4	NUM
fsr-3429	361	4	*	*	PUNCT
fsr-3429	361	5	*	*	PUNCT
fsr-3429	361	6	(	(	PUNCT
fsr-3429	361	7	0	0	NUM
fsr-3429	361	8	.5	.5	NUM
fsr-3429	361	9	5	5	NUM
fsr-3429	361	10	2	2	NUM
fsr-3429	361	11	)	)	PUNCT
fsr-3429	361	12	5	5	NUM
fsr-3429	361	13	.1	.1	NUM
fsr-3429	361	14	2	2	NUM
fsr-3429	361	15	4	4	NUM
fsr-3429	361	16	*	*	PUNCT
fsr-3429	361	17	*	*	PUNCT
fsr-3429	361	18	*	*	PUNCT
fsr-3429	361	19	(	(	PUNCT
fsr-3429	361	20	2	2	NUM
fsr-3429	361	21	.8	.8	NUM
fsr-3429	361	22	2	2	NUM
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fsr-3429	364	8	)	)	PUNCT
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fsr-3429	365	9	)	)	PUNCT
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fsr-3429	366	6	to	to	PART
fsr-3429	366	7	rs	rs	VERB
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fsr-3429	366	9	r	r	NOUN
fsr-3429	366	10	w	w	NOUN
fsr-3429	366	11	o	o	NOUN
fsr-3429	366	12	rk	rk	NOUN
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fsr-3429	366	15	ts	ts	ADP
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fsr-3429	366	18	1	1	NUM
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fsr-3429	366	21	0	0	NUM
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fsr-3429	366	25	)	)	PUNCT
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fsr-3429	366	35	)	)	PUNCT
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fsr-3429	367	8	)	)	PUNCT
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fsr-3429	368	9	)	)	PUNCT
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fsr-3429	368	12	e	e	NOUN
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fsr-3429	369	8	)	)	PUNCT
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fsr-3429	370	2	*	*	PUNCT
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fsr-3429	370	4	(	(	PUNCT
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fsr-3429	370	9	)	)	PUNCT
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fsr-3429	373	8	)	)	PUNCT
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fsr-3429	390	21	)	)	PUNCT
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fsr-3429	391	9	)	)	PUNCT
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fsr-3429	391	13	:	:	PUNCT
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fsr-3429	392	4	*	*	PUNCT
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fsr-3429	397	8	:	:	PUNCT
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fsr-3429	401	8	:	:	PUNCT
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fsr-3429	412	8	:	:	PUNCT
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fsr-3429	417	30	)	)	PUNCT
fsr-3429	417	31	0	0	NUM
fsr-3429	418	1	.6	.6	NUM
fsr-3429	418	2	8	8	NUM
fsr-3429	418	3	7	7	NUM
fsr-3429	418	4	(	(	PUNCT
fsr-3429	418	5	0	0	NUM
fsr-3429	418	6	.2	.2	NUM
fsr-3429	418	7	5	5	NUM
fsr-3429	418	8	7	7	NUM
fsr-3429	418	9	)	)	PUNCT
fsr-3429	418	10	c	c	NOUN
fsr-3429	419	1	o	o	PROPN
fsr-3429	419	2	n	n	PRON
fsr-3429	419	3	st	st	PROPN
fsr-3429	420	1	an	an	DET
fsr-3429	420	2	t	t	PROPN
fsr-3429	420	3	cu	cu	PROPN
fsr-3429	420	4	t1	t1	NOUN
fsr-3429	420	5	1	1	NUM
fsr-3429	420	6	2	2	NUM
fsr-3429	420	7	.6	.6	NUM
fsr-3429	420	8	9	9	NUM
fsr-3429	420	9	8	8	NUM
fsr-3429	420	10	(	(	PUNCT
fsr-3429	420	11	8	8	NUM
fsr-3429	420	12	.6	.6	NUM
fsr-3429	420	13	4	4	NUM
fsr-3429	420	14	6	6	NUM
fsr-3429	420	15	)	)	PUNCT
fsr-3429	420	16	2	2	NUM
fsr-3429	420	17	4	4	NUM
fsr-3429	420	18	.2	.2	NUM
fsr-3429	420	19	3	3	NUM
fsr-3429	420	20	*	*	PUNCT
fsr-3429	421	1	*	*	PUNCT
fsr-3429	421	2	*	*	PUNCT
fsr-3429	421	3	(	(	PUNCT
fsr-3429	421	4	3	3	NUM
fsr-3429	421	5	.8	.8	NUM
fsr-3429	421	6	7	7	NUM
fsr-3429	421	7	1	1	NUM
fsr-3429	421	8	)	)	PUNCT
fsr-3429	421	9	c	c	NOUN
fsr-3429	421	10	o	o	PROPN
fsr-3429	421	11	n	n	PRON
fsr-3429	421	12	st	st	PROPN
fsr-3429	422	1	an	an	DET
fsr-3429	422	2	t	t	PROPN
fsr-3429	422	3	cu	cu	NOUN
fsr-3429	422	4	t2	t2	PROPN
fsr-3429	422	5	1	1	NUM
fsr-3429	422	6	5	5	NUM
fsr-3429	422	7	.2	.2	NUM
fsr-3429	422	8	7	7	NUM
fsr-3429	422	9	5	5	NUM
fsr-3429	422	10	(	(	PUNCT
fsr-3429	422	11	8	8	NUM
fsr-3429	422	12	.6	.6	NUM
fsr-3429	422	13	6	6	NUM
fsr-3429	422	14	1	1	NUM
fsr-3429	422	15	)	)	PUNCT
fsr-3429	422	16	2	2	NUM
fsr-3429	422	17	4	4	NUM
fsr-3429	422	18	.5	.5	NUM
fsr-3429	422	19	0	0	PUNCT
fsr-3429	423	1	*	*	PUNCT
fsr-3429	424	1	*	*	PUNCT
fsr-3429	424	2	*	*	PUNCT
fsr-3429	424	3	(	(	PUNCT
fsr-3429	424	4	3	3	NUM
fsr-3429	424	5	.8	.8	NUM
fsr-3429	424	6	7	7	NUM
fsr-3429	424	7	4	4	NUM
fsr-3429	424	8	)	)	PUNCT
fsr-3429	424	9	c	c	NOUN
fsr-3429	424	10	o	o	PROPN
fsr-3429	424	11	n	n	PRON
fsr-3429	424	12	st	st	PROPN
fsr-3429	425	1	an	an	PRON
fsr-3429	425	2	t	t	PROPN
fsr-3429	425	3	cu	cu	PROPN
fsr-3429	425	4	t3	t3	PROPN
fsr-3429	425	5	2	2	NUM
fsr-3429	425	6	4	4	NUM
fsr-3429	425	7	.9	.9	NUM
fsr-3429	425	8	7	7	NUM
fsr-3429	426	1	*	*	PUNCT
fsr-3429	426	2	*	*	PUNCT
fsr-3429	426	3	*	*	PUNCT
fsr-3429	426	4	(	(	PUNCT
fsr-3429	426	5	3	3	NUM
fsr-3429	426	6	.8	.8	NUM
fsr-3429	426	7	7	7	NUM
fsr-3429	426	8	9	9	NUM
fsr-3429	426	9	)	)	PUNCT
fsr-3429	426	10	o	o	NOUN
fsr-3429	426	11	b	b	X
fsr-3429	426	12	se	se	PROPN
fsr-3429	426	13	rv	rv	PROPN
fsr-3429	426	14	at	at	ADP
fsr-3429	426	15	io	io	PROPN
fsr-3429	426	16	n	n	PROPN
fsr-3429	426	17	s	s	PROPN
fsr-3429	426	18	3	3	NUM
fsr-3429	426	19	5	5	NUM
fsr-3429	426	20	1	1	NUM
fsr-3429	426	21	7	7	NUM
fsr-3429	426	22	5	5	NUM
fsr-3429	426	23	3	3	NUM
fsr-3429	426	24	p	p	NOUN
fsr-3429	426	25	se	se	X
fsr-3429	426	26	u	u	PROPN
fsr-3429	427	1	d	d	X
fsr-3429	427	2	o	o	NOUN
fsr-3429	427	3	r	r	NOUN
fsr-3429	427	4	2	2	NUM
fsr-3429	427	5	0	0	NUM
fsr-3429	427	6	.1	.1	NUM
fsr-3429	427	7	4	4	NUM
fsr-3429	427	8	4	4	NUM
fsr-3429	427	9	9	9	NUM
fsr-3429	427	10	0	0	NUM
fsr-3429	427	11	.1	.1	NUM
fsr-3429	427	12	9	9	NUM
fsr-3429	427	13	5	5	NUM
fsr-3429	427	14	6	6	NUM
fsr-3429	427	15	s	s	NOUN
fsr-3429	427	16	o	o	X
fsr-3429	427	17	u	u	NOUN
fsr-3429	427	18	rc	rc	PROPN
fsr-3429	427	19	e	e	NOUN
fsr-3429	427	20	:	:	PUNCT
fsr-3429	427	21	a	a	DET
fsr-3429	427	22	u	u	X
fsr-3429	427	23	th	th	X
fsr-3429	427	24	o	o	NOUN
fsr-3429	427	25	r	r	NOUN
fsr-3429	427	26	’	'	PUNCT
fsr-3429	427	27	s	s	PART
fsr-3429	427	28	ca	ca	NOUN
fsr-3429	427	29	lc	lc	VERB
fsr-3429	427	30	u	u	NOUN
fsr-3429	427	31	la	la	ADV
fsr-3429	427	32	ti	ti	X
fsr-3429	427	33	o	o	NOUN
fsr-3429	427	34	n	n	PROPN
fsr-3429	427	35	s.	s.	PROPN
fsr-3429	427	36	s	s	PART
fsr-3429	427	37	am	be	AUX
fsr-3429	427	38	p	p	X
fsr-3429	427	39	le	le	X
fsr-3429	427	40	w	w	NOUN
fsr-3429	427	41	ei	ei	PROPN
fsr-3429	427	42	g	g	PROPN
fsr-3429	427	43	h	h	NOUN
fsr-3429	427	44	te	te	PROPN
fsr-3429	428	1	d	d	PROPN
fsr-3429	428	2	b	b	PROPN
fsr-3429	428	3	y	y	PROPN
fsr-3429	428	4	g	g	PROPN
fsr-3429	428	5	en	en	PROPN
fsr-3429	428	6	d	d	X
fsr-3429	428	7	er	er	INTJ
fsr-3429	428	8	an	an	PRON
fsr-3429	428	9	d	d	X
fsr-3429	428	10	ra	ra	PROPN
fsr-3429	428	11	ce	ce	PROPN
fsr-3429	428	12	.	.	PUNCT
fsr-3429	429	1	s	s	PART
fsr-3429	429	2	ta	ta	PROPN
fsr-3429	429	3	n	n	PROPN
fsr-3429	429	4	d	d	PROPN
fsr-3429	429	5	ar	ar	PROPN
fsr-3429	429	6	d	d	PROPN
fsr-3429	429	7	er	er	INTJ
fsr-3429	429	8	ro	ro	INTJ
fsr-3429	429	9	rs	rs	NOUN
fsr-3429	429	10	in	in	ADP
fsr-3429	429	11	p	p	PROPN
fsr-3429	429	12	ar	ar	PROPN
fsr-3429	429	13	en	en	X
fsr-3429	429	14	th	th	X
fsr-3429	429	15	es	es	X
fsr-3429	429	16	es	es	NOUN
fsr-3429	429	17	.	.	PUNCT
fsr-3429	430	1	*	*	PUNCT
fsr-3429	431	1	*	*	PUNCT
fsr-3429	431	2	*	*	PUNCT
fsr-3429	431	3	p	p	X
fsr-3429	431	4	<	<	X
fsr-3429	431	5	.0	.0	NUM
fsr-3429	431	6	1	1	NUM
fsr-3429	431	7	,	,	PUNCT
fsr-3429	431	8	*	*	PUNCT
fsr-3429	431	9	*	*	PUNCT
fsr-3429	432	1	p	p	X
fsr-3429	432	2	<	<	X
fsr-3429	432	3	.0	.0	NUM
fsr-3429	432	4	5	5	NUM
fsr-3429	432	5	,	,	PUNCT
fsr-3429	432	6	*	*	PUNCT
fsr-3429	432	7	p	p	X
fsr-3429	432	8	<	<	X
fsr-3429	432	9	.1	.1	NUM
fsr-3429	432	10	.	.	PUNCT
fsr-3429	433	1	260	260	NUM
fsr-3429	433	2	g.d	g.d	NOUN
fsr-3429	433	3	.	.	PROPN
fsr-3429	433	4	willows	willows	PROPN
fsr-3429	433	5	/	/	SYM
fsr-3429	433	6	financial	financial	ADJ
fsr-3429	433	7	services	service	NOUN
fsr-3429	433	8	review	review	VERB
fsr-3429	433	9	28	28	NUM
fsr-3429	433	10	(	(	PUNCT
fsr-3429	433	11	2020	2020	NUM
fsr-3429	433	12	)	)	PUNCT
fsr-3429	434	1	243–271	243–271	NUM
fsr-3429	434	2	emphasis	emphasis	NOUN
fsr-3429	434	3	is	be	AUX
fsr-3429	434	4	placed	place	VERB
fsr-3429	434	5	on	on	ADP
fsr-3429	434	6	test	test	NOUN
fsr-3429	434	7	2	2	NUM
fsr-3429	434	8	for	for	ADP
fsr-3429	434	9	the	the	DET
fsr-3429	434	10	discussion	discussion	NOUN
fsr-3429	434	11	of	of	ADP
fsr-3429	434	12	the	the	DET
fsr-3429	434	13	remaining	remain	VERB
fsr-3429	434	14	variables	variable	NOUN
fsr-3429	434	15	.	.	PUNCT
fsr-3429	435	1	this	this	PRON
fsr-3429	435	2	includes	include	VERB
fsr-3429	435	3	those	those	DET
fsr-3429	435	4	respondents	respondent	NOUN
fsr-3429	435	5	who	who	PRON
fsr-3429	435	6	have	have	AUX
fsr-3429	435	7	never	never	ADV
fsr-3429	435	8	tried	try	VERB
fsr-3429	435	9	to	to	PART
fsr-3429	435	10	determine	determine	VERB
fsr-3429	435	11	how	how	SCONJ
fsr-3429	435	12	much	much	ADJ
fsr-3429	435	13	they	they	PRON
fsr-3429	435	14	need	need	VERB
fsr-3429	435	15	to	to	PART
fsr-3429	435	16	save	save	VERB
fsr-3429	435	17	for	for	ADP
fsr-3429	435	18	their	their	PRON
fsr-3429	435	19	retirement	retirement	NOUN
fsr-3429	435	20	(	(	PUNCT
fsr-3429	435	21	i.e.	i.e.	X
fsr-3429	435	22	,	,	PUNCT
fsr-3429	435	23	those	those	PRON
fsr-3429	435	24	designated	designate	VERB
fsr-3429	435	25	as	as	ADP
fsr-3429	435	26	not	not	PART
fsr-3429	435	27	a	a	DET
fsr-3429	435	28	planner	planner	NOUN
fsr-3429	435	29	)	)	PUNCT
fsr-3429	435	30	.	.	PUNCT
fsr-3429	436	1	the	the	DET
fsr-3429	436	2	results	result	NOUN
fsr-3429	436	3	show	show	VERB
fsr-3429	436	4	that	that	SCONJ
fsr-3429	436	5	having	have	VERB
fsr-3429	436	6	dependents	dependent	NOUN
fsr-3429	436	7	statistically	statistically	ADV
fsr-3429	436	8	significantly	significantly	ADV
fsr-3429	436	9	increases	increase	VERB
fsr-3429	436	10	the	the	DET
fsr-3429	436	11	odds	odd	NOUN
fsr-3429	436	12	of	of	ADP
fsr-3429	436	13	being	be	AUX
fsr-3429	436	14	a	a	DET
fsr-3429	436	15	planner	planner	NOUN
fsr-3429	436	16	.	.	PUNCT
fsr-3429	437	1	this	this	PRON
fsr-3429	437	2	might	might	AUX
fsr-3429	437	3	be	be	AUX
fsr-3429	437	4	explained	explain	VERB
fsr-3429	437	5	by	by	ADP
fsr-3429	437	6	the	the	DET
fsr-3429	437	7	need	need	NOUN
fsr-3429	437	8	to	to	PART
fsr-3429	437	9	manage	manage	VERB
fsr-3429	437	10	financial	financial	ADJ
fsr-3429	437	11	affairs	affair	NOUN
fsr-3429	437	12	to	to	PART
fsr-3429	437	13	avoid	avoid	VERB
fsr-3429	437	14	problems	problem	NOUN
fsr-3429	437	15	for	for	ADP
fsr-3429	437	16	dependents	dependent	NOUN
fsr-3429	437	17	(	(	PUNCT
fsr-3429	437	18	dave	dave	PROPN
fsr-3429	437	19	,	,	PUNCT
fsr-3429	437	20	2017	2017	NUM
fsr-3429	437	21	)	)	PUNCT
fsr-3429	437	22	.	.	PUNCT
fsr-3429	438	1	either	either	CCONJ
fsr-3429	438	2	in	in	ADP
fsr-3429	438	3	the	the	DET
fsr-3429	438	4	form	form	NOUN
fsr-3429	438	5	of	of	ADP
fsr-3429	438	6	providing	provide	VERB
fsr-3429	438	7	for	for	ADP
fsr-3429	438	8	their	their	PRON
fsr-3429	438	9	day	day	NOUN
fsr-3429	438	10	-	-	PUNCT
fsr-3429	438	11	to	to	ADP
fsr-3429	438	12	-	-	PUNCT
fsr-3429	438	13	day	day	NOUN
fsr-3429	438	14	need	need	NOUN
fsr-3429	438	15	or	or	CCONJ
fsr-3429	438	16	upon	upon	SCONJ
fsr-3429	438	17	the	the	DET
fsr-3429	438	18	respondent	respondent	NOUN
fsr-3429	438	19	’s	’s	PART
fsr-3429	438	20	death	death	NOUN
fsr-3429	438	21	.	.	PUNCT
fsr-3429	439	1	the	the	DET
fsr-3429	439	2	odds	odd	NOUN
fsr-3429	439	3	of	of	ADP
fsr-3429	439	4	being	be	AUX
fsr-3429	439	5	a	a	DET
fsr-3429	439	6	planner	planner	NOUN
fsr-3429	439	7	increases	increase	NOUN
fsr-3429	439	8	as	as	ADP
fsr-3429	439	9	the	the	DET
fsr-3429	439	10	respondent	respondent	NOUN
fsr-3429	439	11	ages	age	NOUN
fsr-3429	439	12	.	.	PUNCT
fsr-3429	440	1	this	this	DET
fsr-3429	440	2	positive	positive	ADJ
fsr-3429	440	3	relationship	relationship	NOUN
fsr-3429	440	4	was	be	AUX
fsr-3429	440	5	also	also	ADV
fsr-3429	440	6	seen	see	VERB
fsr-3429	440	7	in	in	ADP
fsr-3429	440	8	table	table	NOUN
fsr-3429	440	9	8	8	NUM
fsr-3429	440	10	,	,	PUNCT
fsr-3429	440	11	showing	show	VERB
fsr-3429	440	12	the	the	DET
fsr-3429	440	13	heightened	heightened	ADJ
fsr-3429	440	14	awareness	awareness	NOUN
fsr-3429	440	15	of	of	ADP
fsr-3429	440	16	both	both	DET
fsr-3429	440	17	thinking	think	VERB
fsr-3429	440	18	and	and	CCONJ
fsr-3429	440	19	planning	planning	NOUN
fsr-3429	440	20	for	for	ADP
fsr-3429	440	21	retirement	retirement	NOUN
fsr-3429	440	22	the	the	PRON
fsr-3429	440	23	closer	close	ADJ
fsr-3429	440	24	it	it	PRON
fsr-3429	440	25	becomes	become	VERB
fsr-3429	440	26	a	a	DET
fsr-3429	440	27	reality	reality	NOUN
fsr-3429	440	28	.	.	PUNCT
fsr-3429	441	1	another	another	DET
fsr-3429	441	2	noteworthy	noteworthy	ADJ
fsr-3429	441	3	finding	finding	NOUN
fsr-3429	441	4	which	which	PRON
fsr-3429	441	5	mirrors	mirror	VERB
fsr-3429	441	6	the	the	DET
fsr-3429	441	7	results	result	NOUN
fsr-3429	441	8	from	from	ADP
fsr-3429	441	9	table	table	NOUN
fsr-3429	441	10	8	8	NUM
fsr-3429	441	11	is	be	AUX
fsr-3429	441	12	the	the	DET
fsr-3429	441	13	positive	positive	ADJ
fsr-3429	441	14	relationship	relationship	NOUN
fsr-3429	441	15	with	with	ADP
fsr-3429	441	16	cost	cost	NOUN
fsr-3429	441	17	of	of	ADP
fsr-3429	441	18	employment	employment	NOUN
fsr-3429	441	19	.	.	PUNCT
fsr-3429	442	1	4.4	4.4	NUM
fsr-3429	442	2	.	.	PUNCT
fsr-3429	443	1	factors	factor	NOUN
fsr-3429	443	2	influencing	influence	VERB
fsr-3429	443	3	financial	financial	ADJ
fsr-3429	443	4	behavior	behavior	NOUN
fsr-3429	443	5	and	and	CCONJ
fsr-3429	443	6	attitude	attitude	NOUN
fsr-3429	443	7	an	an	DET
fsr-3429	443	8	ols	ol	NOUN
fsr-3429	443	9	regression	regression	NOUN
fsr-3429	443	10	analysis	analysis	NOUN
fsr-3429	443	11	was	be	AUX
fsr-3429	443	12	performed	perform	VERB
fsr-3429	443	13	to	to	PART
fsr-3429	443	14	determine	determine	VERB
fsr-3429	443	15	whether	whether	SCONJ
fsr-3429	443	16	a	a	DET
fsr-3429	443	17	consumer	consumer	NOUN
fsr-3429	443	18	’s	’s	PART
fsr-3429	443	19	financial	financial	ADJ
fsr-3429	443	20	attitude	attitude	NOUN
fsr-3429	443	21	and/or	and/or	CCONJ
fsr-3429	443	22	financial	financial	ADJ
fsr-3429	443	23	literacy	literacy	NOUN
fsr-3429	443	24	and/or	and/or	CCONJ
fsr-3429	443	25	the	the	DET
fsr-3429	443	26	type	type	NOUN
fsr-3429	443	27	of	of	ADP
fsr-3429	443	28	planner	planner	NOUN
fsr-3429	443	29	he	he	PRON
fsr-3429	443	30	or	or	CCONJ
fsr-3429	443	31	she	she	PRON
fsr-3429	443	32	is	be	AUX
fsr-3429	443	33	influences	influence	NOUN
fsr-3429	443	34	his	his	PRON
fsr-3429	443	35	or	or	CCONJ
fsr-3429	443	36	her	her	PRON
fsr-3429	443	37	financial	financial	ADJ
fsr-3429	443	38	behavior	behavior	NOUN
fsr-3429	443	39	.	.	PUNCT
fsr-3429	444	1	the	the	DET
fsr-3429	444	2	regression	regression	NOUN
fsr-3429	444	3	analyses	analysis	NOUN
fsr-3429	444	4	were	be	AUX
fsr-3429	444	5	performed	perform	VERB
fsr-3429	444	6	using	use	VERB
fsr-3429	444	7	robust	robust	ADJ
fsr-3429	444	8	standard	standard	ADJ
fsr-3429	444	9	errors	error	NOUN
fsr-3429	444	10	to	to	PART
fsr-3429	444	11	account	account	VERB
fsr-3429	444	12	for	for	ADP
fsr-3429	444	13	heteroskedasticity	heteroskedasticity	NOUN
fsr-3429	444	14	.	.	PUNCT
fsr-3429	445	1	the	the	DET
fsr-3429	445	2	assumption	assumption	NOUN
fsr-3429	445	3	of	of	ADP
fsr-3429	445	4	homoskedasticity	homoskedasticity	NOUN
fsr-3429	445	5	was	be	AUX
fsr-3429	445	6	evaluated	evaluate	VERB
fsr-3429	445	7	using	use	VERB
fsr-3429	445	8	the	the	DET
fsr-3429	445	9	breusch	breusch	NOUN
fsr-3429	445	10	-	-	PUNCT
fsr-3429	445	11	pagan/	pagan/	NUM
fsr-3429	445	12	cook	cook	NOUN
fsr-3429	445	13	-	-	PUNCT
fsr-3429	445	14	weisberg	weisberg	PROPN
fsr-3429	445	15	test	test	NOUN
fsr-3429	445	16	(	(	PUNCT
fsr-3429	445	17	x2	x2	PROPN
fsr-3429	445	18	(	(	PUNCT
fsr-3429	445	19	1)¼	1)¼	NUM
fsr-3429	445	20	6.12	6.12	NUM
fsr-3429	445	21	,	,	PUNCT
fsr-3429	445	22	p¼<0.013	p¼<0.013	NOUN
fsr-3429	445	23	)	)	PUNCT
fsr-3429	445	24	.	.	PUNCT
fsr-3429	446	1	not	not	PART
fsr-3429	446	2	being	be	AUX
fsr-3429	446	3	a	a	DET
fsr-3429	446	4	planner	planner	NOUN
fsr-3429	446	5	is	be	AUX
fsr-3429	446	6	the	the	DET
fsr-3429	446	7	reference	reference	NOUN
fsr-3429	446	8	group	group	NOUN
fsr-3429	446	9	for	for	ADP
fsr-3429	446	10	the	the	DET
fsr-3429	446	11	type	type	NOUN
fsr-3429	446	12	of	of	ADP
fsr-3429	446	13	planner	planner	NOUN
fsr-3429	446	14	variable	variable	NOUN
fsr-3429	446	15	.	.	PUNCT
fsr-3429	447	1	these	these	DET
fsr-3429	447	2	results	result	NOUN
fsr-3429	447	3	are	be	AUX
fsr-3429	447	4	shown	show	VERB
fsr-3429	447	5	in	in	ADP
fsr-3429	447	6	table	table	NOUN
fsr-3429	447	7	10	10	NUM
fsr-3429	447	8	.	.	PUNCT
fsr-3429	448	1	the	the	DET
fsr-3429	448	2	model	model	NOUN
fsr-3429	448	3	is	be	AUX
fsr-3429	448	4	as	as	SCONJ
fsr-3429	448	5	follows	follow	VERB
fsr-3429	448	6	:	:	PUNCT
fsr-3429	448	7	financial	financial	ADJ
fsr-3429	448	8	behavior	behavior	NOUN
fsr-3429	448	9	¼	¼	NOUN
fsr-3429	448	10	b	b	NOUN
fsr-3429	448	11	0	0	NUM
fsr-3429	448	12	þ	þ	NOUN
fsr-3429	448	13	b	b	PROPN
fsr-3429	448	14	1	1	NUM
fsr-3429	448	15	financial	financial	ADJ
fsr-3429	448	16	attitude	attitude	NOUN
fsr-3429	448	17	þ	þ	PROPN
fsr-3429	448	18	b	b	PROPN
fsr-3429	448	19	2	2	NUM
fsr-3429	448	20	financial	financial	ADJ
fsr-3429	448	21	literacy	literacy	NOUN
fsr-3429	448	22	þ	þ	PROPN
fsr-3429	448	23	b	b	PROPN
fsr-3429	448	24	3	3	NUM
fsr-3429	448	25	-	-	SYM
fsr-3429	448	26	6	6	NUM
fsr-3429	448	27	type	type	NOUN
fsr-3429	448	28	of	of	ADP
fsr-3429	448	29	planner	planner	NOUN
fsr-3429	448	30	dummies	dummy	NOUN
fsr-3429	448	31	þ	þ	PROPN
fsr-3429	448	32	b	b	PROPN
fsr-3429	448	33	7	7	NUM
fsr-3429	448	34	ageþ	ageþ	PROPN
fsr-3429	448	35	b	b	SYM
fsr-3429	448	36	8	8	NUM
fsr-3429	448	37	age	age	NOUN
fsr-3429	448	38	-	-	PUNCT
fsr-3429	448	39	squared	square	VERB
fsr-3429	448	40	þ	þ	PROPN
fsr-3429	448	41	b	b	PROPN
fsr-3429	448	42	9marital	9marital	NUM
fsr-3429	448	43	status	status	NOUN
fsr-3429	448	44	þ	þ	PROPN
fsr-3429	448	45	b	b	PROPN
fsr-3429	448	46	10	10	NUM
fsr-3429	448	47	financial	financial	ADJ
fsr-3429	448	48	dependents	dependent	NOUN
fsr-3429	448	49	þ	þ	PROPN
fsr-3429	448	50	b	b	PROPN
fsr-3429	449	1	11gender	11gender	NUM
fsr-3429	449	2	þ	þ	PROPN
fsr-3429	449	3	b	b	PROPN
fsr-3429	449	4	12	12	NUM
fsr-3429	449	5	-	-	SYM
fsr-3429	449	6	16	16	NUM
fsr-3429	449	7	racial	racial	ADJ
fsr-3429	449	8	grouping	grouping	NOUN
fsr-3429	449	9	dummies	dummy	NOUN
fsr-3429	449	10	þ	þ	PROPN
fsr-3429	449	11	b	b	PROPN
fsr-3429	449	12	17	17	NUM
fsr-3429	449	13	log	log	NOUN
fsr-3429	449	14	of	of	ADP
fsr-3429	449	15	cost	cost	NOUN
fsr-3429	449	16	of	of	ADP
fsr-3429	449	17	employment	employment	NOUN
fsr-3429	449	18	þ	þ	PROPN
fsr-3429	449	19	b	b	PROPN
fsr-3429	449	20	18	18	NUM
fsr-3429	449	21	-	-	SYM
fsr-3429	449	22	23	23	NUM
fsr-3429	449	23	level	level	NOUN
fsr-3429	449	24	of	of	ADP
fsr-3429	449	25	qualification	qualification	NOUN
fsr-3429	449	26	dummies	dummy	NOUN
fsr-3429	449	27	þ	þ	NOUN
fsr-3429	449	28	e	e	X
fsr-3429	449	29	(	(	PUNCT
fsr-3429	449	30	5	5	X
fsr-3429	449	31	)	)	PUNCT
fsr-3429	449	32	the	the	DET
fsr-3429	449	33	effect	effect	NOUN
fsr-3429	449	34	of	of	ADP
fsr-3429	449	35	financial	financial	ADJ
fsr-3429	449	36	attitude	attitude	NOUN
fsr-3429	449	37	is	be	AUX
fsr-3429	449	38	statistically	statistically	ADV
fsr-3429	449	39	significant	significant	ADJ
fsr-3429	449	40	(	(	PUNCT
fsr-3429	449	41	at	at	ADP
fsr-3429	449	42	the	the	DET
fsr-3429	449	43	1	1	NUM
fsr-3429	449	44	%	%	NOUN
fsr-3429	449	45	significance	significance	NOUN
fsr-3429	449	46	level	level	NOUN
fsr-3429	449	47	)	)	PUNCT
fsr-3429	449	48	in	in	ADP
fsr-3429	449	49	influencing	influence	VERB
fsr-3429	449	50	financial	financial	ADJ
fsr-3429	449	51	behavior	behavior	NOUN
fsr-3429	449	52	after	after	ADP
fsr-3429	449	53	controlling	control	VERB
fsr-3429	449	54	for	for	ADP
fsr-3429	449	55	a	a	DET
fsr-3429	449	56	range	range	NOUN
fsr-3429	449	57	of	of	ADP
fsr-3429	449	58	factors	factor	NOUN
fsr-3429	449	59	.	.	PUNCT
fsr-3429	450	1	this	this	DET
fsr-3429	450	2	result	result	NOUN
fsr-3429	450	3	supports	support	VERB
fsr-3429	450	4	the	the	DET
fsr-3429	450	5	finding	finding	NOUN
fsr-3429	450	6	of	of	ADP
fsr-3429	450	7	atkinson	atkinson	PROPN
fsr-3429	450	8	and	and	CCONJ
fsr-3429	450	9	messy	messy	ADJ
fsr-3429	450	10	(	(	PUNCT
fsr-3429	450	11	2012	2012	NUM
fsr-3429	450	12	)	)	PUNCT
fsr-3429	450	13	that	that	SCONJ
fsr-3429	450	14	a	a	DET
fsr-3429	450	15	person	person	NOUN
fsr-3429	450	16	with	with	ADP
fsr-3429	450	17	a	a	DET
fsr-3429	450	18	negative	negative	ADJ
fsr-3429	450	19	attitude	attitude	NOUN
fsr-3429	450	20	towards	towards	ADP
fsr-3429	450	21	saving	save	VERB
fsr-3429	450	22	for	for	ADP
fsr-3429	450	23	his	his	PRON
fsr-3429	450	24	or	or	CCONJ
fsr-3429	450	25	her	her	PRON
fsr-3429	450	26	future	future	NOUN
fsr-3429	450	27	will	will	AUX
fsr-3429	450	28	be	be	AUX
fsr-3429	450	29	less	less	ADV
fsr-3429	450	30	inclined	inclined	ADJ
fsr-3429	450	31	to	to	PART
fsr-3429	450	32	actually	actually	ADV
fsr-3429	450	33	save	save	VERB
fsr-3429	450	34	.	.	PUNCT
fsr-3429	451	1	being	be	AUX
fsr-3429	451	2	a	a	DET
fsr-3429	451	3	serious	serious	ADJ
fsr-3429	451	4	planner	planner	NOUN
fsr-3429	451	5	(	(	PUNCT
fsr-3429	451	6	i.e.	i.e.	X
fsr-3429	451	7	,	,	PUNCT
fsr-3429	451	8	developing	develop	VERB
fsr-3429	451	9	a	a	DET
fsr-3429	451	10	plan	plan	NOUN
fsr-3429	451	11	)	)	PUNCT
fsr-3429	451	12	or	or	CCONJ
fsr-3429	451	13	successful	successful	ADJ
fsr-3429	451	14	planner	planner	NOUN
fsr-3429	451	15	(	(	PUNCT
fsr-3429	451	16	i.e.	i.e.	X
fsr-3429	451	17	,	,	PUNCT
fsr-3429	451	18	sticking	stick	VERB
fsr-3429	451	19	to	to	ADP
fsr-3429	451	20	that	that	DET
fsr-3429	451	21	plan	plan	NOUN
fsr-3429	451	22	)	)	PUNCT
fsr-3429	451	23	,	,	PUNCT
fsr-3429	451	24	compared	compare	VERB
fsr-3429	451	25	with	with	ADP
fsr-3429	451	26	those	those	PRON
fsr-3429	451	27	that	that	PRON
fsr-3429	451	28	are	be	AUX
fsr-3429	451	29	not	not	PART
fsr-3429	451	30	a	a	DET
fsr-3429	451	31	planner	planner	NOUN
fsr-3429	451	32	,	,	PUNCT
fsr-3429	451	33	results	result	VERB
fsr-3429	451	34	in	in	ADP
fsr-3429	451	35	a	a	DET
fsr-3429	451	36	more	more	ADV
fsr-3429	451	37	positive	positive	ADJ
fsr-3429	451	38	financial	financial	ADJ
fsr-3429	451	39	behavior	behavior	NOUN
fsr-3429	451	40	.	.	PUNCT
fsr-3429	452	1	this	this	PRON
fsr-3429	452	2	suggests	suggest	VERB
fsr-3429	452	3	that	that	SCONJ
fsr-3429	452	4	considered	consider	VERB
fsr-3429	452	5	decisions	decision	NOUN
fsr-3429	452	6	in	in	ADP
fsr-3429	452	7	terms	term	NOUN
fsr-3429	452	8	of	of	ADP
fsr-3429	452	9	figuring	figure	VERB
fsr-3429	452	10	out	out	ADP
fsr-3429	452	11	how	how	SCONJ
fsr-3429	452	12	much	much	ADJ
fsr-3429	452	13	to	to	PART
fsr-3429	452	14	save	save	VERB
fsr-3429	452	15	for	for	ADP
fsr-3429	452	16	retirement	retirement	NOUN
fsr-3429	452	17	and	and	CCONJ
fsr-3429	452	18	developing	develop	VERB
fsr-3429	452	19	a	a	DET
fsr-3429	452	20	plan	plan	NOUN
fsr-3429	452	21	to	to	PART
fsr-3429	452	22	do	do	AUX
fsr-3429	452	23	so	so	ADV
fsr-3429	452	24	will	will	AUX
fsr-3429	452	25	influence	influence	VERB
fsr-3429	452	26	an	an	DET
fsr-3429	452	27	individual	individual	NOUN
fsr-3429	452	28	’s	’s	PART
fsr-3429	452	29	financial	financial	ADJ
fsr-3429	452	30	behavior	behavior	NOUN
fsr-3429	452	31	.	.	PUNCT
fsr-3429	453	1	this	this	PRON
fsr-3429	453	2	might	might	AUX
fsr-3429	453	3	be	be	AUX
fsr-3429	453	4	because	because	SCONJ
fsr-3429	453	5	careful	careful	ADJ
fsr-3429	453	6	consideration	consideration	NOUN
fsr-3429	453	7	on	on	ADP
fsr-3429	453	8	spending	spend	VERB
fsr-3429	453	9	behavior	behavior	NOUN
fsr-3429	453	10	is	be	AUX
fsr-3429	453	11	required	require	VERB
fsr-3429	453	12	to	to	PART
fsr-3429	453	13	stick	stick	VERB
fsr-3429	453	14	to	to	ADP
fsr-3429	453	15	the	the	DET
fsr-3429	453	16	plan	plan	NOUN
fsr-3429	453	17	.	.	PUNCT
fsr-3429	454	1	an	an	DET
fsr-3429	454	2	increase	increase	NOUN
fsr-3429	454	3	in	in	ADP
fsr-3429	454	4	age	age	NOUN
fsr-3429	454	5	positively	positively	ADV
fsr-3429	454	6	influences	influence	VERB
fsr-3429	454	7	financial	financial	ADJ
fsr-3429	454	8	behavior	behavior	NOUN
fsr-3429	454	9	,	,	PUNCT
fsr-3429	454	10	but	but	CCONJ
fsr-3429	454	11	only	only	ADV
fsr-3429	454	12	after	after	ADP
fsr-3429	454	13	the	the	DET
fsr-3429	454	14	age	age	NOUN
fsr-3429	454	15	of	of	ADP
fsr-3429	454	16	44	44	NUM
fsr-3429	454	17	years	year	NOUN
fsr-3429	454	18	.	.	PUNCT
fsr-3429	455	1	a	a	DET
fsr-3429	455	2	negative	negative	ADJ
fsr-3429	455	3	coefficient	coefficient	NOUN
fsr-3429	455	4	is	be	AUX
fsr-3429	455	5	noted	note	VERB
fsr-3429	455	6	before	before	ADP
fsr-3429	455	7	the	the	DET
fsr-3429	455	8	age	age	NOUN
fsr-3429	455	9	of	of	ADP
fsr-3429	455	10	43	43	NUM
fsr-3429	455	11	years	year	NOUN
fsr-3429	455	12	.	.	PUNCT
fsr-3429	456	1	however	however	ADV
fsr-3429	456	2	,	,	PUNCT
fsr-3429	456	3	both	both	CCONJ
fsr-3429	456	4	these	these	DET
fsr-3429	456	5	coefficients	coefficient	NOUN
fsr-3429	456	6	are	be	AUX
fsr-3429	456	7	small	small	ADJ
fsr-3429	456	8	.	.	PUNCT
fsr-3429	457	1	lastly	lastly	ADV
fsr-3429	457	2	,	,	PUNCT
fsr-3429	457	3	indian	indian	ADJ
fsr-3429	457	4	respondents	respondent	NOUN
fsr-3429	457	5	(	(	PUNCT
fsr-3429	457	6	when	when	SCONJ
fsr-3429	457	7	compared	compare	VERB
fsr-3429	457	8	with	with	ADP
fsr-3429	457	9	white	white	ADJ
fsr-3429	457	10	respondents	respondent	NOUN
fsr-3429	457	11	)	)	PUNCT
fsr-3429	457	12	,	,	PUNCT
fsr-3429	457	13	on	on	ADP
fsr-3429	457	14	average	average	ADJ
fsr-3429	457	15	,	,	PUNCT
fsr-3429	457	16	had	have	VERB
fsr-3429	457	17	a	a	DET
fsr-3429	457	18	higher	high	ADJ
fsr-3429	457	19	financial	financial	ADJ
fsr-3429	457	20	behavior	behavior	NOUN
fsr-3429	457	21	score	score	NOUN
fsr-3429	457	22	,	,	PUNCT
fsr-3429	457	23	holding	hold	VERB
fsr-3429	457	24	all	all	DET
fsr-3429	457	25	else	else	ADV
fsr-3429	457	26	constant	constant	ADJ
fsr-3429	457	27	.	.	PUNCT
fsr-3429	458	1	g.d	g.d	NOUN
fsr-3429	458	2	.	.	PROPN
fsr-3429	458	3	willows	willows	PROPN
fsr-3429	458	4	/	/	SYM
fsr-3429	458	5	financial	financial	ADJ
fsr-3429	458	6	services	service	NOUN
fsr-3429	458	7	review	review	VERB
fsr-3429	458	8	28	28	NUM
fsr-3429	458	9	(	(	PUNCT
fsr-3429	458	10	2020	2020	NUM
fsr-3429	458	11	)	)	PUNCT
fsr-3429	459	1	243–271	243–271	NUM
fsr-3429	459	2	261	261	NUM
fsr-3429	459	3	4.5	4.5	NUM
fsr-3429	459	4	.	.	PUNCT
fsr-3429	460	1	financial	financial	ADJ
fsr-3429	460	2	attitude	attitude	NOUN
fsr-3429	460	3	as	as	ADP
fsr-3429	460	4	a	a	DET
fsr-3429	460	5	mediator	mediator	NOUN
fsr-3429	460	6	the	the	DET
fsr-3429	460	7	results	result	NOUN
fsr-3429	460	8	of	of	ADP
fsr-3429	460	9	table	table	NOUN
fsr-3429	460	10	’s	’s	PART
fsr-3429	460	11	9	9	NUM
fsr-3429	460	12	and	and	CCONJ
fsr-3429	460	13	10	10	NUM
fsr-3429	460	14	both	both	PRON
fsr-3429	460	15	show	show	VERB
fsr-3429	460	16	that	that	SCONJ
fsr-3429	460	17	financial	financial	ADJ
fsr-3429	460	18	literacy	literacy	NOUN
fsr-3429	460	19	is	be	AUX
fsr-3429	460	20	not	not	PART
fsr-3429	460	21	associated	associate	VERB
fsr-3429	460	22	with	with	ADP
fsr-3429	460	23	the	the	DET
fsr-3429	460	24	type	type	NOUN
fsr-3429	460	25	of	of	ADP
fsr-3429	460	26	planner	planner	NOUN
fsr-3429	460	27	a	a	DET
fsr-3429	460	28	respondent	respondent	NOUN
fsr-3429	460	29	is	be	AUX
fsr-3429	460	30	,	,	PUNCT
fsr-3429	460	31	nor	nor	CCONJ
fsr-3429	460	32	whether	whether	SCONJ
fsr-3429	460	33	he	he	PRON
fsr-3429	460	34	or	or	CCONJ
fsr-3429	460	35	she	she	PRON
fsr-3429	460	36	will	will	AUX
fsr-3429	460	37	have	have	VERB
fsr-3429	460	38	a	a	DET
fsr-3429	460	39	more	more	ADV
fsr-3429	460	40	positive	positive	ADJ
fsr-3429	460	41	financial	financial	ADJ
fsr-3429	460	42	behavior	behavior	NOUN
fsr-3429	460	43	.	.	PUNCT
fsr-3429	461	1	however	however	ADV
fsr-3429	461	2	,	,	PUNCT
fsr-3429	461	3	financial	financial	ADJ
fsr-3429	461	4	attitude	attitude	NOUN
fsr-3429	461	5	and	and	CCONJ
fsr-3429	461	6	being	be	AUX
fsr-3429	461	7	a	a	DET
fsr-3429	461	8	serious	serious	ADJ
fsr-3429	461	9	or	or	CCONJ
fsr-3429	461	10	successful	successful	ADJ
fsr-3429	461	11	planner	planner	NOUN
fsr-3429	461	12	does	do	AUX
fsr-3429	461	13	show	show	VERB
fsr-3429	461	14	a	a	DET
fsr-3429	461	15	positive	positive	ADJ
fsr-3429	461	16	relationship	relationship	NOUN
fsr-3429	461	17	with	with	ADP
fsr-3429	461	18	financial	financial	ADJ
fsr-3429	461	19	behavior	behavior	NOUN
fsr-3429	461	20	.	.	PUNCT
fsr-3429	462	1	further	further	ADJ
fsr-3429	462	2	consideration	consideration	NOUN
fsr-3429	462	3	is	be	AUX
fsr-3429	462	4	given	give	VERB
fsr-3429	462	5	as	as	ADP
fsr-3429	462	6	to	to	ADP
fsr-3429	462	7	whether	whether	SCONJ
fsr-3429	462	8	there	there	PRON
fsr-3429	462	9	is	be	VERB
fsr-3429	462	10	connection	connection	NOUN
fsr-3429	462	11	among	among	ADP
fsr-3429	462	12	these	these	DET
fsr-3429	462	13	three	three	NUM
fsr-3429	462	14	variables	variable	NOUN
fsr-3429	462	15	.	.	PUNCT
fsr-3429	463	1	this	this	PRON
fsr-3429	463	2	is	be	AUX
fsr-3429	463	3	diagrammatically	diagrammatically	ADV
fsr-3429	463	4	explained	explain	VERB
fsr-3429	463	5	as	as	SCONJ
fsr-3429	463	6	follows	follow	VERB
fsr-3429	463	7	:	:	PUNCT
fsr-3429	463	8	a	a	DET
fsr-3429	463	9	mediation	mediation	NOUN
fsr-3429	463	10	model	model	NOUN
fsr-3429	463	11	,	,	PUNCT
fsr-3429	463	12	as	as	SCONJ
fsr-3429	463	13	proposed	propose	VERB
fsr-3429	463	14	by	by	ADP
fsr-3429	463	15	baron	baron	NOUN
fsr-3429	463	16	and	and	CCONJ
fsr-3429	463	17	kenny	kenny	PROPN
fsr-3429	463	18	(	(	PUNCT
fsr-3429	463	19	1986	1986	NUM
fsr-3429	463	20	)	)	PUNCT
fsr-3429	463	21	suggests	suggest	VERB
fsr-3429	463	22	that	that	SCONJ
fsr-3429	463	23	rather	rather	ADV
fsr-3429	463	24	than	than	ADP
fsr-3429	463	25	hypothesizing	hypothesize	VERB
fsr-3429	463	26	a	a	DET
fsr-3429	463	27	direct	direct	ADJ
fsr-3429	463	28	causal	causal	NOUN
fsr-3429	463	29	relationship	relationship	NOUN
fsr-3429	463	30	between	between	ADP
fsr-3429	463	31	the	the	DET
fsr-3429	463	32	iv	iv	NOUN
fsr-3429	463	33	and	and	CCONJ
fsr-3429	463	34	dv	dv	PROPN
fsr-3429	463	35	(	(	PUNCT
fsr-3429	463	36	that	that	PRON
fsr-3429	463	37	is	be	AUX
fsr-3429	463	38	represented	represent	VERB
fsr-3429	463	39	by	by	ADP
fsr-3429	463	40	path	path	NOUN
fsr-3429	463	41	c	c	PROPN
fsr-3429	463	42	in	in	ADP
fsr-3429	463	43	diagram	diagram	NOUN
fsr-3429	463	44	1	1	NUM
fsr-3429	463	45	)	)	PUNCT
fsr-3429	463	46	,	,	PUNCT
fsr-3429	463	47	that	that	SCONJ
fsr-3429	463	48	the	the	DET
fsr-3429	463	49	iv	iv	NOUN
fsr-3429	463	50	affects	affect	VERB
fsr-3429	463	51	the	the	DET
fsr-3429	463	52	dv	dv	PROPN
fsr-3429	463	53	through	through	ADP
fsr-3429	463	54	its	its	PRON
fsr-3429	463	55	association	association	NOUN
fsr-3429	463	56	with	with	ADP
fsr-3429	463	57	m	m	PROPN
fsr-3429	463	58	(	(	PUNCT
fsr-3429	463	59	represented	represent	VERB
fsr-3429	463	60	by	by	ADP
fsr-3429	463	61	paths	path	NOUN
fsr-3429	463	62	a	a	PRON
fsr-3429	463	63	and	and	CCONJ
fsr-3429	463	64	table	table	NOUN
fsr-3429	464	1	10	10	NUM
fsr-3429	464	2	ols	ol	NOUN
fsr-3429	464	3	regression	regression	NOUN
fsr-3429	464	4	of	of	ADP
fsr-3429	464	5	financial	financial	ADJ
fsr-3429	464	6	behavior	behavior	NOUN
fsr-3429	464	7	coefficient	coefficient	NOUN
fsr-3429	464	8	(	(	PUNCT
fsr-3429	464	9	std	std	NOUN
fsr-3429	464	10	error	error	NOUN
fsr-3429	464	11	)	)	PUNCT
fsr-3429	464	12	financial	financial	ADJ
fsr-3429	464	13	attitude	attitude	NOUN
fsr-3429	464	14	0.501	0.501	NUM
fsr-3429	464	15	*	*	PUNCT
fsr-3429	464	16	*	*	PUNCT
fsr-3429	464	17	*	*	PUNCT
fsr-3429	464	18	(	(	PUNCT
fsr-3429	464	19	0.090	0.090	NUM
fsr-3429	464	20	)	)	PUNCT
fsr-3429	464	21	financial	financial	ADJ
fsr-3429	464	22	literacy	literacy	NOUN
fsr-3429	464	23	0.004	0.004	NUM
fsr-3429	464	24	(	(	PUNCT
fsr-3429	464	25	0.012	0.012	NUM
fsr-3429	464	26	)	)	PUNCT
fsr-3429	464	27	simple	simple	ADJ
fsr-3429	464	28	planner	planner	NOUN
fsr-3429	464	29	0.258	0.258	NUM
fsr-3429	464	30	(	(	PUNCT
fsr-3429	464	31	0.182	0.182	NUM
fsr-3429	464	32	)	)	PUNCT
fsr-3429	464	33	serious	serious	ADJ
fsr-3429	464	34	planner	planner	NOUN
fsr-3429	464	35	0.610	0.610	NUM
fsr-3429	464	36	*	*	SYM
fsr-3429	464	37	*	*	PUNCT
fsr-3429	464	38	(	(	PUNCT
fsr-3429	464	39	0.305	0.305	NUM
fsr-3429	464	40	)	)	PUNCT
fsr-3429	464	41	successful	successful	ADJ
fsr-3429	464	42	planner	planner	NOUN
fsr-3429	464	43	0.563	0.563	NUM
fsr-3429	464	44	*	*	SYM
fsr-3429	464	45	*	*	PUNCT
fsr-3429	464	46	(	(	PUNCT
fsr-3429	464	47	0.219	0.219	NUM
fsr-3429	464	48	)	)	PUNCT
fsr-3429	464	49	age	age	NOUN
fsr-3429	464	50	�	�	PROPN
fsr-3429	464	51	0.122	0.122	NUM
fsr-3429	464	52	*	*	SYM
fsr-3429	464	53	(	(	PUNCT
fsr-3429	464	54	0.066	0.066	NUM
fsr-3429	464	55	)	)	PUNCT
fsr-3429	464	56	age	age	NOUN
fsr-3429	464	57	-	-	PUNCT
fsr-3429	464	58	squared	square	VERB
fsr-3429	464	59	0.001	0.001	NUM
fsr-3429	464	60	*	*	NOUN
fsr-3429	464	61	*	*	PUNCT
fsr-3429	464	62	(	(	PUNCT
fsr-3429	464	63	<	<	NOUN
fsr-3429	464	64	0.001	0.001	NUM
fsr-3429	464	65	)	)	PUNCT
fsr-3429	464	66	marital	marital	ADJ
fsr-3429	464	67	status	status	NOUN
fsr-3429	464	68	0.0208	0.0208	NUM
fsr-3429	464	69	(	(	PUNCT
fsr-3429	464	70	0.213	0.213	NUM
fsr-3429	464	71	)	)	PUNCT
fsr-3429	464	72	dependents	dependent	NOUN
fsr-3429	464	73	0.185	0.185	NUM
fsr-3429	464	74	(	(	PUNCT
fsr-3429	464	75	0.173	0.173	NUM
fsr-3429	464	76	)	)	PUNCT
fsr-3429	464	77	gender	gender	NOUN
fsr-3429	464	78	:	:	PUNCT
fsr-3429	464	79	male	male	NOUN
fsr-3429	464	80	0.160	0.160	NUM
fsr-3429	464	81	(	(	PUNCT
fsr-3429	464	82	0.168	0.168	NUM
fsr-3429	464	83	)	)	PUNCT
fsr-3429	464	84	race	race	NOUN
fsr-3429	464	85	:	:	PUNCT
fsr-3429	464	86	colored	color	VERB
fsr-3429	464	87	0.228	0.228	NUM
fsr-3429	464	88	(	(	PUNCT
fsr-3429	464	89	0.162	0.162	NUM
fsr-3429	464	90	)	)	PUNCT
fsr-3429	464	91	race	race	NOUN
fsr-3429	464	92	:	:	PUNCT
fsr-3429	464	93	african	african	PROPN
fsr-3429	464	94	0.163	0.163	NUM
fsr-3429	464	95	(	(	PUNCT
fsr-3429	464	96	0.210	0.210	NUM
fsr-3429	464	97	)	)	PUNCT
fsr-3429	464	98	race	race	NOUN
fsr-3429	464	99	:	:	PUNCT
fsr-3429	464	100	indian	indian	PROPN
fsr-3429	464	101	0.425	0.425	NUM
fsr-3429	464	102	*	*	NOUN
fsr-3429	464	103	*	*	PUNCT
fsr-3429	464	104	(	(	PUNCT
fsr-3429	464	105	0.167	0.167	NUM
fsr-3429	464	106	)	)	PUNCT
fsr-3429	464	107	race	race	NOUN
fsr-3429	464	108	:	:	PUNCT
fsr-3429	464	109	other	other	ADJ
fsr-3429	464	110	0.233	0.233	NUM
fsr-3429	464	111	(	(	PUNCT
fsr-3429	464	112	0.255	0.255	NUM
fsr-3429	464	113	)	)	PUNCT
fsr-3429	464	114	log	log	PROPN
fsr-3429	464	115	coe	coe	PROPN
fsr-3429	464	116	0.170	0.170	NUM
fsr-3429	464	117	(	(	PUNCT
fsr-3429	464	118	0.184	0.184	NUM
fsr-3429	464	119	)	)	PUNCT
fsr-3429	464	120	qualification	qualification	NOUN
fsr-3429	464	121	:	:	PUNCT
fsr-3429	464	122	less	less	ADJ
fsr-3429	464	123	than	than	ADP
fsr-3429	464	124	high	high	ADJ
fsr-3429	464	125	school	school	NOUN
fsr-3429	464	126	�	�	PROPN
fsr-3429	464	127	0.205	0.205	NUM
fsr-3429	464	128	(	(	PUNCT
fsr-3429	464	129	0.293	0.293	NUM
fsr-3429	464	130	)	)	PUNCT
fsr-3429	464	131	qualification	qualification	NOUN
fsr-3429	464	132	:	:	PUNCT
fsr-3429	464	133	higher	high	ADJ
fsr-3429	464	134	certificate	certificate	NOUN
fsr-3429	464	135	/	/	SYM
fsr-3429	464	136	diploma	diploma	NOUN
fsr-3429	464	137	0.154	0.154	NUM
fsr-3429	464	138	(	(	PUNCT
fsr-3429	464	139	0.431	0.431	NUM
fsr-3429	464	140	)	)	PUNCT
fsr-3429	464	141	qualification	qualification	NOUN
fsr-3429	464	142	:	:	PUNCT
fsr-3429	464	143	college	college	NOUN
fsr-3429	464	144	0.103	0.103	NUM
fsr-3429	464	145	(	(	PUNCT
fsr-3429	464	146	0.305	0.305	NUM
fsr-3429	464	147	)	)	PUNCT
fsr-3429	464	148	qualification	qualification	NOUN
fsr-3429	464	149	:	:	PUNCT
fsr-3429	464	150	post	post	ADJ
fsr-3429	464	151	-	-	ADJ
fsr-3429	464	152	graduate	graduate	ADJ
fsr-3429	464	153	�	�	NOUN
fsr-3429	464	154	0.0887	0.0887	NUM
fsr-3429	464	155	(	(	PUNCT
fsr-3429	464	156	0.236	0.236	NUM
fsr-3429	464	157	)	)	PUNCT
fsr-3429	464	158	qualification	qualification	NOUN
fsr-3429	464	159	:	:	PUNCT
fsr-3429	464	160	unknown	unknown	ADJ
fsr-3429	464	161	�	�	NOUN
fsr-3429	464	162	0.151	0.151	NUM
fsr-3429	464	163	(	(	PUNCT
fsr-3429	464	164	0.276	0.276	NUM
fsr-3429	464	165	)	)	PUNCT
fsr-3429	464	166	constant	constant	ADJ
fsr-3429	464	167	�	�	PROPN
fsr-3429	464	168	0.531	0.531	NUM
fsr-3429	464	169	(	(	PUNCT
fsr-3429	464	170	2.979	2.979	NUM
fsr-3429	464	171	)	)	PUNCT
fsr-3429	464	172	observations	observation	NOUN
fsr-3429	464	173	753	753	NUM
fsr-3429	464	174	r2	r2	NOUN
fsr-3429	464	175	0.390	0.390	NUM
fsr-3429	464	176	source	source	NOUN
fsr-3429	464	177	:	:	PUNCT
fsr-3429	464	178	author	author	NOUN
fsr-3429	464	179	’s	’s	PART
fsr-3429	464	180	calculations	calculation	NOUN
fsr-3429	464	181	.	.	PUNCT
fsr-3429	465	1	sample	sample	NOUN
fsr-3429	465	2	weighted	weight	VERB
fsr-3429	465	3	by	by	ADP
fsr-3429	465	4	gender	gender	NOUN
fsr-3429	465	5	and	and	CCONJ
fsr-3429	465	6	race	race	NOUN
fsr-3429	465	7	.	.	PUNCT
fsr-3429	466	1	standard	standard	ADJ
fsr-3429	466	2	errors	error	NOUN
fsr-3429	466	3	in	in	ADP
fsr-3429	466	4	parentheses	parenthesis	NOUN
fsr-3429	466	5	*	*	PUNCT
fsr-3429	466	6	*	*	PUNCT
fsr-3429	466	7	*	*	PUNCT
fsr-3429	466	8	p	p	X
fsr-3429	466	9	<	<	X
fsr-3429	466	10	.01	.01	NUM
fsr-3429	466	11	,	,	PUNCT
fsr-3429	466	12	*	*	PUNCT
fsr-3429	466	13	*	*	PUNCT
fsr-3429	467	1	p	p	X
fsr-3429	467	2	<	<	X
fsr-3429	467	3	.05	.05	NUM
fsr-3429	467	4	,	,	PUNCT
fsr-3429	467	5	*	*	PUNCT
fsr-3429	468	1	p	p	X
fsr-3429	468	2	<	<	X
fsr-3429	468	3	.1	.1	NUM
fsr-3429	468	4	.	.	PUNCT
fsr-3429	469	1	m	m	VERB
fsr-3429	470	1	=	=	ADJ
fsr-3429	470	2	financial	financial	ADJ
fsr-3429	470	3	attitude	attitude	NOUN
fsr-3429	470	4	;	;	PUNCT
fsr-3429	470	5	iv	iv	NUM
fsr-3429	470	6	=	=	NOUN
fsr-3429	470	7	type	type	NOUN
fsr-3429	470	8	of	of	ADP
fsr-3429	470	9	planner	planner	NOUN
fsr-3429	470	10	;	;	PUNCT
fsr-3429	470	11	dv	dv	PROPN
fsr-3429	470	12	=	=	PROPN
fsr-3429	470	13	financial	financial	ADJ
fsr-3429	470	14	behavior	behavior	NOUN
fsr-3429	470	15	.	.	PUNCT
fsr-3429	471	1	262	262	NUM
fsr-3429	471	2	g.d	g.d	NOUN
fsr-3429	471	3	.	.	PROPN
fsr-3429	471	4	willows	willows	PROPN
fsr-3429	471	5	/	/	SYM
fsr-3429	471	6	financial	financial	ADJ
fsr-3429	471	7	services	service	NOUN
fsr-3429	471	8	review	review	VERB
fsr-3429	471	9	28	28	NUM
fsr-3429	471	10	(	(	PUNCT
fsr-3429	471	11	2020	2020	NUM
fsr-3429	471	12	)	)	PUNCT
fsr-3429	472	1	243–271	243–271	NUM
fsr-3429	472	2	b	b	PROPN
fsr-3429	472	3	in	in	ADP
fsr-3429	472	4	diagram	diagram	NOUN
fsr-3429	472	5	1	1	NUM
fsr-3429	472	6	)	)	PUNCT
fsr-3429	472	7	.	.	PUNCT
fsr-3429	473	1	to	to	PART
fsr-3429	473	2	test	test	VERB
fsr-3429	473	3	for	for	ADP
fsr-3429	473	4	such	such	ADJ
fsr-3429	473	5	mediation	mediation	NOUN
fsr-3429	473	6	,	,	PUNCT
fsr-3429	473	7	the	the	DET
fsr-3429	473	8	direct	direct	ADJ
fsr-3429	473	9	and	and	CCONJ
fsr-3429	473	10	indirect	indirect	ADJ
fsr-3429	473	11	effects	effect	NOUN
fsr-3429	473	12	were	be	AUX
fsr-3429	473	13	derived	derive	VERB
fsr-3429	473	14	after	after	ADP
fsr-3429	473	15	fitting	fit	VERB
fsr-3429	473	16	a	a	DET
fsr-3429	473	17	multiple	multiple	ADJ
fsr-3429	473	18	linear	linear	ADJ
fsr-3429	473	19	regression	regression	NOUN
fsr-3429	473	20	.	.	PUNCT
fsr-3429	474	1	the	the	DET
fsr-3429	474	2	direct	direct	ADJ
fsr-3429	474	3	and	and	CCONJ
fsr-3429	474	4	indirect	indirect	ADJ
fsr-3429	474	5	effects	effect	NOUN
fsr-3429	474	6	of	of	ADP
fsr-3429	474	7	being	be	AUX
fsr-3429	474	8	a	a	DET
fsr-3429	474	9	more	more	ADV
fsr-3429	474	10	successful	successful	ADJ
fsr-3429	474	11	planner	planner	NOUN
fsr-3429	474	12	on	on	ADP
fsr-3429	474	13	financial	financial	ADJ
fsr-3429	474	14	behavior	behavior	NOUN
fsr-3429	474	15	are	be	AUX
fsr-3429	474	16	statistically	statistically	ADV
fsr-3429	474	17	significant	significant	ADJ
fsr-3429	474	18	.	.	PUNCT
fsr-3429	475	1	however	however	ADV
fsr-3429	475	2	,	,	PUNCT
fsr-3429	475	3	the	the	DET
fsr-3429	475	4	coefficient	coefficient	NOUN
fsr-3429	475	5	for	for	ADP
fsr-3429	475	6	the	the	DET
fsr-3429	475	7	direct	direct	ADJ
fsr-3429	475	8	effect	effect	NOUN
fsr-3429	475	9	(	(	PUNCT
fsr-3429	475	10	0.173	0.173	NUM
fsr-3429	475	11	)	)	PUNCT
fsr-3429	475	12	is	be	AUX
fsr-3429	475	13	greater	great	ADJ
fsr-3429	475	14	than	than	ADP
fsr-3429	475	15	the	the	DET
fsr-3429	475	16	indirect	indirect	ADJ
fsr-3429	475	17	effect	effect	NOUN
fsr-3429	475	18	(	(	PUNCT
fsr-3429	475	19	0.042	0.042	NUM
fsr-3429	475	20	)	)	PUNCT
fsr-3429	475	21	.	.	PUNCT
fsr-3429	476	1	the	the	DET
fsr-3429	476	2	results	result	NOUN
fsr-3429	476	3	indicate	indicate	VERB
fsr-3429	476	4	that	that	DET
fsr-3429	476	5	part	part	NOUN
fsr-3429	476	6	of	of	ADP
fsr-3429	476	7	the	the	DET
fsr-3429	476	8	reason	reason	NOUN
fsr-3429	476	9	why	why	SCONJ
fsr-3429	476	10	a	a	DET
fsr-3429	476	11	positive	positive	ADJ
fsr-3429	476	12	financial	financial	ADJ
fsr-3429	476	13	attitude	attitude	NOUN
fsr-3429	476	14	positively	positively	ADV
fsr-3429	476	15	influences	influence	VERB
fsr-3429	476	16	financial	financial	ADJ
fsr-3429	476	17	behavior	behavior	NOUN
fsr-3429	476	18	is	be	AUX
fsr-3429	476	19	because	because	SCONJ
fsr-3429	476	20	being	be	AUX
fsr-3429	476	21	a	a	DET
fsr-3429	476	22	more	more	ADV
fsr-3429	476	23	successful	successful	ADJ
fsr-3429	476	24	planner	planner	NOUN
fsr-3429	476	25	positively	positively	ADV
fsr-3429	476	26	influences	influence	VERB
fsr-3429	476	27	a	a	DET
fsr-3429	476	28	respondent	respondent	NOUN
fsr-3429	476	29	’s	’s	PART
fsr-3429	476	30	financial	financial	ADJ
fsr-3429	476	31	attitude	attitude	NOUN
fsr-3429	476	32	.	.	PUNCT
fsr-3429	477	1	the	the	DET
fsr-3429	477	2	root	root	NOUN
fsr-3429	477	3	mean	mean	VERB
fsr-3429	477	4	squared	square	VERB
fsr-3429	477	5	error	error	NOUN
fsr-3429	477	6	of	of	ADP
fsr-3429	477	7	approximation	approximation	NOUN
fsr-3429	477	8	is	be	AUX
fsr-3429	477	9	very	very	ADV
fsr-3429	477	10	small	small	ADJ
fsr-3429	477	11	that	that	PRON
fsr-3429	477	12	suggests	suggest	VERB
fsr-3429	477	13	that	that	SCONJ
fsr-3429	477	14	this	this	DET
fsr-3429	477	15	model	model	NOUN
fsr-3429	477	16	was	be	AUX
fsr-3429	477	17	able	able	ADJ
fsr-3429	477	18	to	to	PART
fsr-3429	477	19	reproduce	reproduce	VERB
fsr-3429	477	20	the	the	DET
fsr-3429	477	21	covariance	covariance	NOUN
fsr-3429	477	22	matrix	matrix	NOUN
fsr-3429	477	23	accurately	accurately	ADV
fsr-3429	477	24	.	.	PUNCT
fsr-3429	478	1	furthermore	furthermore	ADV
fsr-3429	478	2	,	,	PUNCT
fsr-3429	478	3	the	the	DET
fsr-3429	478	4	standardized	standardized	ADJ
fsr-3429	478	5	root	root	NOUN
fsr-3429	478	6	mean	mean	VERB
fsr-3429	478	7	squared	square	VERB
fsr-3429	478	8	residual	residual	ADJ
fsr-3429	478	9	was	be	AUX
fsr-3429	478	10	also	also	ADV
fsr-3429	478	11	very	very	ADV
fsr-3429	478	12	small	small	ADJ
fsr-3429	478	13	.	.	PUNCT
fsr-3429	479	1	the	the	DET
fsr-3429	479	2	model	model	NOUN
fsr-3429	479	3	fit	fit	NOUN
fsr-3429	479	4	was	be	AUX
fsr-3429	479	5	satisfactory	satisfactory	ADJ
fsr-3429	479	6	with	with	ADP
fsr-3429	479	7	a	a	DET
fsr-3429	479	8	relatively	relatively	ADV
fsr-3429	479	9	small	small	ADJ
fsr-3429	479	10	root	root	NOUN
fsr-3429	479	11	mean	mean	ADJ
fsr-3429	479	12	square	square	ADJ
fsr-3429	479	13	error	error	NOUN
fsr-3429	479	14	of	of	ADP
fsr-3429	479	15	approximation	approximation	NOUN
fsr-3429	479	16	(	(	PUNCT
fsr-3429	479	17	rmsea	rmsea	NOUN
fsr-3429	479	18	;	;	PUNCT
fsr-3429	479	19	<	<	NOUN
fsr-3429	479	20	0.001	0.001	NUM
fsr-3429	479	21	)	)	PUNCT
fsr-3429	479	22	and	and	CCONJ
fsr-3429	479	23	standardized	standardized	ADJ
fsr-3429	479	24	root	root	NOUN
fsr-3429	479	25	mean	mean	NOUN
fsr-3429	479	26	square	square	ADJ
fsr-3429	479	27	residual	residual	ADJ
fsr-3429	479	28	(	(	PUNCT
fsr-3429	479	29	srmr	srmr	PROPN
fsr-3429	479	30	;	;	PUNCT
fsr-3429	479	31	<	<	X
fsr-3429	479	32	0.001	0.001	NUM
fsr-3429	479	33	)	)	PUNCT
fsr-3429	479	34	.	.	PUNCT
fsr-3429	480	1	the	the	DET
fsr-3429	480	2	r2	r2	PROPN
fsr-3429	480	3	and	and	CCONJ
fsr-3429	480	4	adjusted	adjust	VERB
fsr-3429	480	5	r2	r2	PROPN
fsr-3429	480	6	are	be	AUX
fsr-3429	480	7	0.2485	0.2485	NUM
fsr-3429	480	8	and	and	CCONJ
fsr-3429	480	9	0.2465	0.2465	NUM
fsr-3429	480	10	,	,	PUNCT
fsr-3429	480	11	respectively	respectively	ADV
fsr-3429	480	12	.	.	PUNCT
fsr-3429	481	1	5	5	X
fsr-3429	481	2	.	.	X
fsr-3429	481	3	conclusion	conclusion	NOUN
fsr-3429	481	4	the	the	DET
fsr-3429	481	5	positive	positive	ADJ
fsr-3429	481	6	effects	effect	NOUN
fsr-3429	481	7	of	of	ADP
fsr-3429	481	8	planning	planning	NOUN
fsr-3429	481	9	for	for	ADP
fsr-3429	481	10	retirement	retirement	NOUN
fsr-3429	481	11	are	be	AUX
fsr-3429	481	12	apparent	apparent	ADJ
fsr-3429	481	13	.	.	PUNCT
fsr-3429	482	1	it	it	PRON
fsr-3429	482	2	positively	positively	ADV
fsr-3429	482	3	influences	influence	VERB
fsr-3429	482	4	an	an	DET
fsr-3429	482	5	individual	individual	NOUN
fsr-3429	482	6	’s	’s	PART
fsr-3429	482	7	financial	financial	ADJ
fsr-3429	482	8	attitude	attitude	NOUN
fsr-3429	482	9	and	and	CCONJ
fsr-3429	482	10	,	,	PUNCT
fsr-3429	482	11	in	in	ADP
fsr-3429	482	12	turn	turn	NOUN
fsr-3429	482	13	,	,	PUNCT
fsr-3429	482	14	his	his	PRON
fsr-3429	482	15	or	or	CCONJ
fsr-3429	482	16	her	her	PRON
fsr-3429	482	17	financial	financial	ADJ
fsr-3429	482	18	behavior	behavior	NOUN
fsr-3429	482	19	.	.	PUNCT
fsr-3429	483	1	increased	increase	VERB
fsr-3429	483	2	focus	focus	NOUN
fsr-3429	483	3	on	on	ADP
fsr-3429	483	4	assisting	assist	VERB
fsr-3429	483	5	individuals	individual	NOUN
fsr-3429	483	6	to	to	PART
fsr-3429	483	7	try	try	VERB
fsr-3429	483	8	figure	figure	VERB
fsr-3429	483	9	out	out	ADP
fsr-3429	483	10	how	how	SCONJ
fsr-3429	483	11	much	much	ADJ
fsr-3429	483	12	to	to	PART
fsr-3429	483	13	save	save	VERB
fsr-3429	483	14	for	for	ADP
fsr-3429	483	15	retirement	retirement	NOUN
fsr-3429	483	16	is	be	AUX
fsr-3429	483	17	necessitated	necessitate	VERB
fsr-3429	483	18	.	.	PUNCT
fsr-3429	484	1	further	further	ADJ
fsr-3429	484	2	emphasis	emphasis	NOUN
fsr-3429	484	3	on	on	ADP
fsr-3429	484	4	then	then	ADV
fsr-3429	484	5	developing	develop	VERB
fsr-3429	484	6	a	a	DET
fsr-3429	484	7	plan	plan	NOUN
fsr-3429	484	8	and	and	CCONJ
fsr-3429	484	9	sticking	stick	VERB
fsr-3429	484	10	to	to	ADP
fsr-3429	484	11	that	that	DET
fsr-3429	484	12	plan	plan	NOUN
fsr-3429	484	13	is	be	AUX
fsr-3429	484	14	even	even	ADV
fsr-3429	484	15	more	more	ADV
fsr-3429	484	16	beneficial	beneficial	ADJ
fsr-3429	484	17	.	.	PUNCT
fsr-3429	485	1	the	the	DET
fsr-3429	485	2	results	result	NOUN
fsr-3429	485	3	showed	show	VERB
fsr-3429	485	4	that	that	SCONJ
fsr-3429	485	5	consulting	consult	VERB
fsr-3429	485	6	with	with	ADP
fsr-3429	485	7	a	a	DET
fsr-3429	485	8	financial	financial	ADJ
fsr-3429	485	9	planner	planner	NOUN
fsr-3429	485	10	statistically	statistically	ADV
fsr-3429	485	11	significantly	significantly	ADV
fsr-3429	485	12	increases	increase	VERB
fsr-3429	485	13	the	the	DET
fsr-3429	485	14	odds	odd	NOUN
fsr-3429	485	15	of	of	ADP
fsr-3429	485	16	being	be	AUX
fsr-3429	485	17	a	a	DET
fsr-3429	485	18	more	more	ADV
fsr-3429	485	19	successful	successful	ADJ
fsr-3429	485	20	planner	planner	NOUN
fsr-3429	485	21	.	.	PUNCT
fsr-3429	486	1	this	this	PRON
fsr-3429	486	2	is	be	AUX
fsr-3429	486	3	noteworthy	noteworthy	ADJ
fsr-3429	486	4	as	as	SCONJ
fsr-3429	486	5	it	it	PRON
fsr-3429	486	6	indicates	indicate	VERB
fsr-3429	486	7	an	an	DET
fsr-3429	486	8	active	active	ADJ
fsr-3429	486	9	step	step	NOUN
fsr-3429	486	10	that	that	PRON
fsr-3429	486	11	can	can	AUX
fsr-3429	486	12	be	be	AUX
fsr-3429	486	13	taken	take	VERB
fsr-3429	486	14	to	to	PART
fsr-3429	486	15	positively	positively	ADV
fsr-3429	486	16	influence	influence	VERB
fsr-3429	486	17	an	an	DET
fsr-3429	486	18	individual	individual	NOUN
fsr-3429	486	19	’s	’s	PART
fsr-3429	486	20	financial	financial	ADJ
fsr-3429	486	21	behavior	behavior	NOUN
fsr-3429	486	22	.	.	PUNCT
fsr-3429	487	1	additionally	additionally	ADV
fsr-3429	487	2	,	,	PUNCT
fsr-3429	487	3	individuals	individual	NOUN
fsr-3429	487	4	should	should	AUX
fsr-3429	487	5	be	be	AUX
fsr-3429	487	6	discouraged	discourage	VERB
fsr-3429	487	7	from	from	ADP
fsr-3429	487	8	talking	talk	VERB
fsr-3429	487	9	to	to	ADP
fsr-3429	487	10	co	co	NOUN
fsr-3429	487	11	-	-	NOUN
fsr-3429	487	12	workers	worker	NOUN
fsr-3429	487	13	or	or	CCONJ
fsr-3429	487	14	friends	friend	NOUN
fsr-3429	487	15	to	to	PART
fsr-3429	487	16	get	get	VERB
fsr-3429	487	17	advice	advice	NOUN
fsr-3429	487	18	on	on	ADP
fsr-3429	487	19	how	how	SCONJ
fsr-3429	487	20	to	to	PART
fsr-3429	487	21	save	save	VERB
fsr-3429	487	22	for	for	ADP
fsr-3429	487	23	retirement	retirement	NOUN
fsr-3429	487	24	.	.	PUNCT
fsr-3429	488	1	the	the	DET
fsr-3429	488	2	key	key	ADJ
fsr-3429	488	3	finding	finding	NOUN
fsr-3429	488	4	should	should	AUX
fsr-3429	488	5	be	be	AUX
fsr-3429	488	6	that	that	SCONJ
fsr-3429	488	7	a	a	DET
fsr-3429	488	8	formal	formal	ADJ
fsr-3429	488	9	approach	approach	NOUN
fsr-3429	488	10	is	be	AUX
fsr-3429	488	11	the	the	DET
fsr-3429	488	12	preferred	preferred	ADJ
fsr-3429	488	13	approach	approach	NOUN
fsr-3429	488	14	.	.	PUNCT
fsr-3429	489	1	while	while	SCONJ
fsr-3429	489	2	the	the	DET
fsr-3429	489	3	level	level	NOUN
fsr-3429	489	4	of	of	ADP
fsr-3429	489	5	financial	financial	ADJ
fsr-3429	489	6	literacy	literacy	NOUN
fsr-3429	489	7	is	be	AUX
fsr-3429	489	8	seen	see	VERB
fsr-3429	489	9	to	to	PART
fsr-3429	489	10	show	show	VERB
fsr-3429	489	11	significant	significant	ADJ
fsr-3429	489	12	differences	difference	NOUN
fsr-3429	489	13	among	among	ADP
fsr-3429	489	14	respondents	respondent	NOUN
fsr-3429	489	15	of	of	ADP
fsr-3429	489	16	different	different	ADJ
fsr-3429	489	17	gender	gender	NOUN
fsr-3429	489	18	,	,	PUNCT
fsr-3429	489	19	race	race	NOUN
fsr-3429	489	20	,	,	PUNCT
fsr-3429	489	21	cost	cost	NOUN
fsr-3429	489	22	of	of	ADP
fsr-3429	489	23	employment	employment	NOUN
fsr-3429	489	24	,	,	PUNCT
fsr-3429	489	25	and	and	CCONJ
fsr-3429	489	26	qualification	qualification	NOUN
fsr-3429	489	27	levels	level	NOUN
fsr-3429	489	28	,	,	PUNCT
fsr-3429	489	29	the	the	DET
fsr-3429	489	30	relevance	relevance	NOUN
fsr-3429	489	31	of	of	ADP
fsr-3429	489	32	financial	financial	ADJ
fsr-3429	489	33	literacy	literacy	NOUN
fsr-3429	489	34	in	in	ADP
fsr-3429	489	35	thinking	think	VERB
fsr-3429	489	36	about	about	ADP
fsr-3429	489	37	retirement	retirement	NOUN
fsr-3429	489	38	,	,	PUNCT
fsr-3429	489	39	planning	plan	VERB
fsr-3429	489	40	for	for	ADP
fsr-3429	489	41	retirement	retirement	NOUN
fsr-3429	489	42	or	or	CCONJ
fsr-3429	489	43	financial	financial	ADJ
fsr-3429	489	44	behavior	behavior	NOUN
fsr-3429	489	45	is	be	AUX
fsr-3429	489	46	not	not	PART
fsr-3429	489	47	as	as	ADV
fsr-3429	489	48	apparent	apparent	ADJ
fsr-3429	489	49	.	.	PUNCT
fsr-3429	490	1	this	this	PRON
fsr-3429	490	2	is	be	AUX
fsr-3429	490	3	a	a	DET
fsr-3429	490	4	somewhat	somewhat	ADV
fsr-3429	490	5	hopeful	hopeful	ADJ
fsr-3429	490	6	outcome	outcome	NOUN
fsr-3429	490	7	.	.	PUNCT
fsr-3429	491	1	there	there	PRON
fsr-3429	491	2	is	be	VERB
fsr-3429	491	3	little	little	ADJ
fsr-3429	491	4	an	an	DET
fsr-3429	491	5	individual	individual	NOUN
fsr-3429	491	6	can	can	AUX
fsr-3429	491	7	do	do	VERB
fsr-3429	491	8	to	to	PART
fsr-3429	491	9	change	change	VERB
fsr-3429	491	10	those	those	DET
fsr-3429	491	11	factors	factor	NOUN
fsr-3429	491	12	that	that	PRON
fsr-3429	491	13	determine	determine	VERB
fsr-3429	491	14	his	his	PRON
fsr-3429	491	15	or	or	CCONJ
fsr-3429	491	16	her	her	PRON
fsr-3429	491	17	level	level	NOUN
fsr-3429	491	18	of	of	ADP
fsr-3429	491	19	financial	financial	ADJ
fsr-3429	491	20	literacy	literacy	NOUN
fsr-3429	491	21	.	.	PUNCT
fsr-3429	492	1	but	but	CCONJ
fsr-3429	492	2	,	,	PUNCT
fsr-3429	492	3	the	the	DET
fsr-3429	492	4	steps	step	NOUN
fsr-3429	492	5	to	to	ADP
fsr-3429	492	6	becoming	become	VERB
fsr-3429	492	7	a	a	DET
fsr-3429	492	8	more	more	ADV
fsr-3429	492	9	successful	successful	ADJ
fsr-3429	492	10	planner	planner	NOUN
fsr-3429	492	11	are	be	AUX
fsr-3429	492	12	linear	linear	ADJ
fsr-3429	492	13	and	and	CCONJ
fsr-3429	492	14	achievable	achievable	ADJ
fsr-3429	492	15	.	.	PUNCT
fsr-3429	493	1	proposed	propose	VERB
fsr-3429	493	2	educational	educational	ADJ
fsr-3429	493	3	interventions	intervention	NOUN
fsr-3429	493	4	should	should	AUX
fsr-3429	493	5	be	be	AUX
fsr-3429	493	6	focused	focus	VERB
fsr-3429	493	7	on	on	ADP
fsr-3429	493	8	the	the	DET
fsr-3429	493	9	decisions	decision	NOUN
fsr-3429	493	10	around	around	ADP
fsr-3429	493	11	determining	determine	VERB
fsr-3429	493	12	and	and	CCONJ
fsr-3429	493	13	conforming	conform	VERB
fsr-3429	493	14	to	to	ADP
fsr-3429	493	15	retirement	retirement	NOUN
fsr-3429	493	16	plans	plan	NOUN
fsr-3429	493	17	.	.	PUNCT
fsr-3429	494	1	the	the	DET
fsr-3429	494	2	improvement	improvement	NOUN
fsr-3429	494	3	in	in	ADP
fsr-3429	494	4	such	such	ADJ
fsr-3429	494	5	understanding	understanding	NOUN
fsr-3429	494	6	can	can	AUX
fsr-3429	494	7	in	in	ADP
fsr-3429	494	8	turn	turn	NOUN
fsr-3429	494	9	,	,	PUNCT
fsr-3429	494	10	assist	assist	VERB
fsr-3429	494	11	consumers	consumer	NOUN
fsr-3429	494	12	to	to	PART
fsr-3429	494	13	behave	behave	VERB
fsr-3429	494	14	better	well	ADJ
fsr-3429	494	15	financially	financially	ADV
fsr-3429	494	16	and	and	CCONJ
fsr-3429	494	17	make	make	VERB
fsr-3429	494	18	better	well	ADJ
fsr-3429	494	19	retirement	retirement	NOUN
fsr-3429	494	20	savings	saving	NOUN
fsr-3429	494	21	decisions	decision	NOUN
fsr-3429	494	22	.	.	PUNCT
fsr-3429	495	1	fernandes	fernandes	PROPN
fsr-3429	495	2	et	et	PROPN
fsr-3429	495	3	al	al	PROPN
fsr-3429	495	4	.	.	PROPN
fsr-3429	496	1	(	(	PUNCT
fsr-3429	496	2	2014	2014	NUM
fsr-3429	496	3	)	)	PUNCT
fsr-3429	496	4	propose	propose	VERB
fsr-3429	496	5	an	an	DET
fsr-3429	496	6	immediate	immediate	ADJ
fsr-3429	496	7	approach	approach	NOUN
fsr-3429	496	8	to	to	ADP
fsr-3429	496	9	financial	financial	ADJ
fsr-3429	496	10	education	education	NOUN
fsr-3429	496	11	by	by	ADP
fsr-3429	496	12	targeting	target	VERB
fsr-3429	496	13	specific	specific	ADJ
fsr-3429	496	14	behaviors	behavior	NOUN
fsr-3429	496	15	at	at	ADP
fsr-3429	496	16	the	the	DET
fsr-3429	496	17	point	point	NOUN
fsr-3429	496	18	in	in	ADP
fsr-3429	496	19	time	time	NOUN
fsr-3429	496	20	when	when	SCONJ
fsr-3429	496	21	the	the	DET
fsr-3429	496	22	need	need	NOUN
fsr-3429	496	23	arises	arise	VERB
fsr-3429	496	24	.	.	PUNCT
fsr-3429	497	1	however	however	ADV
fsr-3429	497	2	,	,	PUNCT
fsr-3429	497	3	consideration	consideration	NOUN
fsr-3429	497	4	should	should	AUX
fsr-3429	497	5	also	also	ADV
fsr-3429	497	6	be	be	AUX
fsr-3429	497	7	given	give	VERB
fsr-3429	497	8	to	to	ADP
fsr-3429	497	9	other	other	ADJ
fsr-3429	497	10	interventions	intervention	NOUN
fsr-3429	497	11	,	,	PUNCT
fsr-3429	497	12	such	such	ADJ
fsr-3429	497	13	as	as	ADP
fsr-3429	497	14	auto	auto	NOUN
fsr-3429	497	15	-	-	PUNCT
fsr-3429	497	16	enrolment	enrolment	NOUN
fsr-3429	497	17	plans	plan	NOUN
fsr-3429	497	18	and	and	CCONJ
fsr-3429	497	19	default	default	NOUN
fsr-3429	497	20	options	option	NOUN
fsr-3429	497	21	,	,	PUNCT
fsr-3429	497	22	to	to	PART
fsr-3429	497	23	“	"	PUNCT
fsr-3429	497	24	nudge	nudge	VERB
fsr-3429	497	25	”	"	PUNCT
fsr-3429	497	26	individuals	individual	NOUN
fsr-3429	497	27	towards	towards	ADP
fsr-3429	497	28	improved	improved	ADJ
fsr-3429	497	29	savings	saving	NOUN
fsr-3429	497	30	(	(	PUNCT
fsr-3429	497	31	thaler	thaler	NOUN
fsr-3429	497	32	&	&	CCONJ
fsr-3429	497	33	sunstein	sunstein	PROPN
fsr-3429	497	34	,	,	PUNCT
fsr-3429	497	35	2008	2008	NUM
fsr-3429	497	36	,	,	PUNCT
fsr-3429	497	37	p.	p.	NOUN
fsr-3429	497	38	67	67	NUM
fsr-3429	497	39	)	)	PUNCT
fsr-3429	497	40	.	.	PUNCT
fsr-3429	498	1	note	note	VERB
fsr-3429	498	2	1	1	NUM
fsr-3429	498	3	the	the	DET
fsr-3429	498	4	user	user	NOUN
fsr-3429	498	5	written	write	VERB
fsr-3429	498	6	command	command	NOUN
fsr-3429	498	7	for	for	ADP
fsr-3429	498	8	a	a	DET
fsr-3429	498	9	multinomial	multinomial	ADJ
fsr-3429	498	10	model	model	NOUN
fsr-3429	498	11	with	with	ADP
fsr-3429	498	12	instrumental	instrumental	ADJ
fsr-3429	498	13	variable	variable	NOUN
fsr-3429	498	14	by	by	ADP
fsr-3429	498	15	roodman	roodman	NOUN
fsr-3429	498	16	(	(	PUNCT
fsr-3429	498	17	2011	2011	NUM
fsr-3429	498	18	)	)	PUNCT
fsr-3429	498	19	is	be	AUX
fsr-3429	498	20	unable	unable	ADJ
fsr-3429	498	21	to	to	PART
fsr-3429	498	22	cater	cater	VERB
fsr-3429	498	23	for	for	ADP
fsr-3429	498	24	weighted	weighted	ADJ
fsr-3429	498	25	data	datum	NOUN
fsr-3429	498	26	.	.	PUNCT
fsr-3429	499	1	thus	thus	ADV
fsr-3429	499	2	,	,	PUNCT
fsr-3429	499	3	this	this	DET
fsr-3429	499	4	output	output	NOUN
fsr-3429	499	5	is	be	AUX
fsr-3429	499	6	seen	see	VERB
fsr-3429	499	7	as	as	ADP
fsr-3429	499	8	exploratory	exploratory	ADJ
fsr-3429	499	9	and	and	CCONJ
fsr-3429	499	10	preliminary	preliminary	ADJ
fsr-3429	499	11	.	.	PUNCT
fsr-3429	500	1	g.d	g.d	NOUN
fsr-3429	500	2	.	.	PROPN
fsr-3429	500	3	willows	willows	PROPN
fsr-3429	500	4	/	/	SYM
fsr-3429	500	5	financial	financial	ADJ
fsr-3429	500	6	services	service	NOUN
fsr-3429	500	7	review	review	VERB
fsr-3429	500	8	28	28	NUM
fsr-3429	500	9	(	(	PUNCT
fsr-3429	500	10	2020	2020	NUM
fsr-3429	500	11	)	)	PUNCT
fsr-3429	501	1	243–271	243–271	NUM
fsr-3429	501	2	263	263	NUM
fsr-3429	501	3	appendix	appendix	NOUN
fsr-3429	501	4	a	a	DET
fsr-3429	501	5	socioeconomic	socioeconomic	ADJ
fsr-3429	501	6	questions	question	NOUN
fsr-3429	501	7	:	:	PUNCT
fsr-3429	501	8	select	select	VERB
fsr-3429	501	9	the	the	DET
fsr-3429	501	10	answer	answer	NOUN
fsr-3429	501	11	that	that	PRON
fsr-3429	501	12	most	most	ADV
fsr-3429	501	13	correctly	correctly	ADV
fsr-3429	501	14	reflects	reflect	VERB
fsr-3429	501	15	your	your	PRON
fsr-3429	501	16	situation	situation	NOUN
fsr-3429	501	17	question	question	NOUN
fsr-3429	501	18	source	source	NOUN
fsr-3429	501	19	q1	q1	PROPN
fsr-3429	501	20	please	please	INTJ
fsr-3429	501	21	indicate	indicate	VERB
fsr-3429	501	22	your	your	PRON
fsr-3429	501	23	marital	marital	ADJ
fsr-3429	501	24	status	status	NOUN
fsr-3429	501	25	:	:	PUNCT
fsr-3429	501	26	h	h	PROPN
fsr-3429	501	27	single	single	ADJ
fsr-3429	501	28	h	h	NOUN
fsr-3429	501	29	married	married	ADJ
fsr-3429	501	30	h	h	NOUN
fsr-3429	501	31	separated	separate	VERB
fsr-3429	501	32	h	h	NOUN
fsr-3429	501	33	divorced	divorce	VERB
fsr-3429	501	34	h	h	NOUN
fsr-3429	501	35	widowed	widow	VERB
fsr-3429	501	36	h	h	NOUN
fsr-3429	501	37	living	live	VERB
fsr-3429	501	38	with	with	ADP
fsr-3429	501	39	a	a	DET
fsr-3429	501	40	partner	partner	NOUN
fsr-3429	501	41	original	original	ADJ
fsr-3429	501	42	to	to	ADP
fsr-3429	501	43	this	this	DET
fsr-3429	501	44	study	study	NOUN
fsr-3429	501	45	q2	q2	NOUN
fsr-3429	501	46	do	do	AUX
fsr-3429	501	47	you	you	PRON
fsr-3429	501	48	have	have	VERB
fsr-3429	501	49	any	any	DET
fsr-3429	501	50	dependents	dependent	NOUN
fsr-3429	501	51	that	that	PRON
fsr-3429	501	52	is	be	AUX
fsr-3429	501	53	,	,	PUNCT
fsr-3429	501	54	someone	someone	PRON
fsr-3429	501	55	who	who	PRON
fsr-3429	501	56	relies	rely	VERB
fsr-3429	501	57	on	on	ADP
fsr-3429	501	58	you	you	PRON
fsr-3429	501	59	to	to	PART
fsr-3429	501	60	financially	financially	ADV
fsr-3429	501	61	support	support	VERB
fsr-3429	501	62	them	they	PRON
fsr-3429	501	63	?	?	PUNCT
fsr-3429	502	1	h	h	NOUN
fsr-3429	503	1	yes	yes	INTJ
fsr-3429	503	2	h	h	NOUN
fsr-3429	504	1	no	no	DET
fsr-3429	504	2	original	original	ADJ
fsr-3429	504	3	to	to	ADP
fsr-3429	504	4	this	this	DET
fsr-3429	504	5	study	study	NOUN
fsr-3429	504	6	answer	answer	NOUN
fsr-3429	504	7	if	if	SCONJ
fsr-3429	504	8	do	do	AUX
fsr-3429	504	9	you	you	PRON
fsr-3429	504	10	have	have	VERB
fsr-3429	504	11	any	any	DET
fsr-3429	504	12	dependents	dependent	NOUN
fsr-3429	504	13	that	that	PRON
fsr-3429	504	14	is	be	AUX
fsr-3429	504	15	,	,	PUNCT
fsr-3429	504	16	someone	someone	PRON
fsr-3429	504	17	who	who	PRON
fsr-3429	504	18	relies	rely	VERB
fsr-3429	504	19	on	on	ADP
fsr-3429	504	20	you	you	PRON
fsr-3429	504	21	to	to	PART
fsr-3429	504	22	financially	financially	ADV
fsr-3429	504	23	support	support	VERB
fsr-3429	504	24	them	they	PRON
fsr-3429	504	25	?	?	PUNCT
fsr-3429	505	1	yes	yes	INTJ
fsr-3429	505	2	is	be	AUX
fsr-3429	505	3	selected	select	VERB
fsr-3429	505	4	q3	q3	NOUN
fsr-3429	505	5	what	what	PRON
fsr-3429	505	6	is	be	AUX
fsr-3429	505	7	your	your	PRON
fsr-3429	505	8	relationship	relationship	NOUN
fsr-3429	505	9	with	with	ADP
fsr-3429	505	10	this	this	DET
fsr-3429	505	11	dependent	dependent	ADJ
fsr-3429	505	12	?	?	PUNCT
fsr-3429	506	1	(	(	PUNCT
fsr-3429	506	2	you	you	PRON
fsr-3429	506	3	may	may	AUX
fsr-3429	506	4	choose	choose	VERB
fsr-3429	506	5	more	more	ADJ
fsr-3429	506	6	than	than	ADP
fsr-3429	506	7	one	one	NUM
fsr-3429	506	8	option	option	NOUN
fsr-3429	506	9	.	.	PUNCT
fsr-3429	506	10	)	)	PUNCT
fsr-3429	507	1	h	h	NOUN
fsr-3429	507	2	my	my	PRON
fsr-3429	507	3	child	child	NOUN
fsr-3429	507	4	/	/	SYM
fsr-3429	507	5	children	child	NOUN
fsr-3429	508	1	h	h	NOUN
fsr-3429	508	2	my	my	PRON
fsr-3429	508	3	spouse	spouse	NOUN
fsr-3429	508	4	/	/	SYM
fsr-3429	508	5	partner	partner	NOUN
fsr-3429	508	6	h	h	NOUN
fsr-3429	508	7	my	my	PRON
fsr-3429	508	8	brother	brother	NOUN
fsr-3429	508	9	/	/	SYM
fsr-3429	508	10	sister	sister	NOUN
fsr-3429	508	11	h	h	PROPN
fsr-3429	508	12	my	my	PRON
fsr-3429	508	13	mother	mother	NOUN
fsr-3429	508	14	/	/	SYM
fsr-3429	508	15	father	father	PROPN
fsr-3429	508	16	h	h	PROPN
fsr-3429	508	17	other	other	ADJ
fsr-3429	508	18	_	_	PUNCT
fsr-3429	509	1	_	_	PUNCT
fsr-3429	510	1	_	_	PUNCT
fsr-3429	511	1	_	_	PUNCT
fsr-3429	512	1	_	_	PUNCT
fsr-3429	513	1	_	_	PUNCT
fsr-3429	514	1	_	_	PUNCT
fsr-3429	515	1	_	_	PUNCT
fsr-3429	516	1	_	_	PUNCT
fsr-3429	517	1	_	_	PUNCT
fsr-3429	518	1	_	_	PUNCT
fsr-3429	519	1	_	_	PUNCT
fsr-3429	520	1	_	_	PUNCT
fsr-3429	521	1	_	_	PUNCT
fsr-3429	522	1	_	_	PUNCT
fsr-3429	523	1	_	_	PUNCT
fsr-3429	524	1	_	_	PUNCT
fsr-3429	525	1	_	_	PUNCT
fsr-3429	526	1	_	_	PUNCT
fsr-3429	527	1	_	_	PUNCT
fsr-3429	528	1	original	original	ADJ
fsr-3429	528	2	to	to	ADP
fsr-3429	528	3	this	this	DET
fsr-3429	528	4	study	study	NOUN
fsr-3429	528	5	q4	q4	PROPN
fsr-3429	528	6	have	have	AUX
fsr-3429	528	7	you	you	PRON
fsr-3429	528	8	ever	ever	ADV
fsr-3429	528	9	taken	take	VERB
fsr-3429	528	10	economics	economic	NOUN
fsr-3429	528	11	or	or	CCONJ
fsr-3429	528	12	accounting	accounting	NOUN
fsr-3429	528	13	as	as	ADP
fsr-3429	528	14	a	a	DET
fsr-3429	528	15	course	course	NOUN
fsr-3429	528	16	or	or	CCONJ
fsr-3429	528	17	subject	subject	ADJ
fsr-3429	528	18	?	?	PUNCT
fsr-3429	529	1	(	(	PUNCT
fsr-3429	529	2	you	you	PRON
fsr-3429	529	3	may	may	AUX
fsr-3429	529	4	choose	choose	VERB
fsr-3429	529	5	more	more	ADJ
fsr-3429	529	6	than	than	ADP
fsr-3429	529	7	one	one	NUM
fsr-3429	529	8	option	option	NOUN
fsr-3429	529	9	.	.	PUNCT
fsr-3429	529	10	)	)	PUNCT
fsr-3429	530	1	h	h	NOUN
fsr-3429	531	1	yes	yes	INTJ
fsr-3429	531	2	,	,	PUNCT
fsr-3429	531	3	in	in	ADP
fsr-3429	531	4	high	high	ADJ
fsr-3429	531	5	school	school	NOUN
fsr-3429	531	6	.	.	PUNCT
fsr-3429	532	1	h	h	NOUN
fsr-3429	533	1	yes	yes	INTJ
fsr-3429	533	2	,	,	PUNCT
fsr-3429	533	3	for	for	ADP
fsr-3429	533	4	a	a	DET
fsr-3429	533	5	short	short	ADJ
fsr-3429	533	6	period	period	NOUN
fsr-3429	533	7	of	of	ADP
fsr-3429	533	8	time	time	NOUN
fsr-3429	533	9	at	at	ADP
fsr-3429	533	10	university	university	NOUN
fsr-3429	533	11	/	/	SYM
fsr-3429	533	12	college	college	NOUN
fsr-3429	533	13	/	/	SYM
fsr-3429	533	14	technicon	technicon	NOUN
fsr-3429	533	15	.	.	PUNCT
fsr-3429	534	1	h	h	NOUN
fsr-3429	535	1	yes	yes	INTJ
fsr-3429	535	2	,	,	PUNCT
fsr-3429	535	3	as	as	ADP
fsr-3429	535	4	one	one	NUM
fsr-3429	535	5	of	of	ADP
fsr-3429	535	6	my	my	PRON
fsr-3429	535	7	majors	major	NOUN
fsr-3429	535	8	at	at	ADP
fsr-3429	535	9	university	university	NOUN
fsr-3429	535	10	/	/	SYM
fsr-3429	535	11	college	college	NOUN
fsr-3429	535	12	/	/	SYM
fsr-3429	535	13	technicon	technicon	NOUN
fsr-3429	535	14	.	.	PUNCT
fsr-3429	536	1	h	h	NOUN
fsr-3429	537	1	no	no	DET
fsr-3429	537	2	lusardi	lusardi	NOUN
fsr-3429	537	3	and	and	CCONJ
fsr-3429	537	4	mitchell	mitchell	PROPN
fsr-3429	537	5	(	(	PUNCT
fsr-3429	537	6	2017	2017	NUM
fsr-3429	537	7	)	)	PUNCT
fsr-3429	537	8	,	,	PUNCT
fsr-3429	537	9	amended	amend	VERB
fsr-3429	537	10	.	.	PUNCT
fsr-3429	538	1	q5	q5	PROPN
fsr-3429	538	2	how	how	SCONJ
fsr-3429	538	3	much	much	ADJ
fsr-3429	538	4	have	have	AUX
fsr-3429	538	5	you	you	PRON
fsr-3429	538	6	thought	think	VERB
fsr-3429	538	7	about	about	ADP
fsr-3429	538	8	retirement	retirement	NOUN
fsr-3429	538	9	?	?	PUNCT
fsr-3429	539	1	h	h	NOUN
fsr-3429	540	1	a	a	DET
fsr-3429	540	2	lot	lot	NOUN
fsr-3429	540	3	h	h	NOUN
fsr-3429	540	4	some	some	DET
fsr-3429	540	5	h	h	NOUN
fsr-3429	540	6	only	only	ADV
fsr-3429	540	7	a	a	DET
fsr-3429	540	8	little	little	ADJ
fsr-3429	540	9	h	h	NOUN
fsr-3429	540	10	not	not	PART
fsr-3429	540	11	at	at	ADV
fsr-3429	540	12	all	all	ADV
fsr-3429	540	13	lusardi	lusardi	NOUN
fsr-3429	540	14	and	and	CCONJ
fsr-3429	540	15	mitchell	mitchell	PROPN
fsr-3429	540	16	(	(	PUNCT
fsr-3429	540	17	2017	2017	NUM
fsr-3429	540	18	)	)	PUNCT
fsr-3429	540	19	,	,	PUNCT
fsr-3429	540	20	response	response	NOUN
fsr-3429	540	21	options	option	NOUN
fsr-3429	540	22	tailored	tailor	VERB
fsr-3429	540	23	slightly	slightly	ADV
fsr-3429	540	24	(	(	PUNCT
fsr-3429	540	25	continued	continue	VERB
fsr-3429	540	26	on	on	ADP
fsr-3429	540	27	next	next	ADJ
fsr-3429	540	28	page	page	NOUN
fsr-3429	540	29	)	)	PUNCT
fsr-3429	540	30	264	264	NUM
fsr-3429	540	31	g.d	g.d	NOUN
fsr-3429	540	32	.	.	PUNCT
fsr-3429	540	33	willows	willows	PROPN
fsr-3429	540	34	/	/	SYM
fsr-3429	540	35	financial	financial	ADJ
fsr-3429	540	36	services	service	NOUN
fsr-3429	540	37	review	review	VERB
fsr-3429	540	38	28	28	NUM
fsr-3429	540	39	(	(	PUNCT
fsr-3429	540	40	2020	2020	NUM
fsr-3429	540	41	)	)	PUNCT
fsr-3429	541	1	243–271	243–271	NUM
fsr-3429	541	2	appendix	appendix	VERB
fsr-3429	541	3	a	a	DET
fsr-3429	541	4	(	(	PUNCT
fsr-3429	541	5	continued	continued	ADJ
fsr-3429	541	6	)	)	PUNCT
fsr-3429	541	7	question	question	NOUN
fsr-3429	541	8	source	source	NOUN
fsr-3429	541	9	q6	q6	PROPN
fsr-3429	541	10	have	have	AUX
fsr-3429	541	11	you	you	PRON
fsr-3429	541	12	ever	ever	ADV
fsr-3429	541	13	tried	try	VERB
fsr-3429	541	14	to	to	PART
fsr-3429	541	15	figure	figure	VERB
fsr-3429	541	16	out	out	ADP
fsr-3429	541	17	how	how	SCONJ
fsr-3429	541	18	much	much	ADJ
fsr-3429	541	19	your	your	PRON
fsr-3429	541	20	household	household	NOUN
fsr-3429	541	21	would	would	AUX
fsr-3429	541	22	need	need	VERB
fsr-3429	541	23	to	to	PART
fsr-3429	541	24	save	save	VERB
fsr-3429	541	25	for	for	ADP
fsr-3429	541	26	retirement	retirement	NOUN
fsr-3429	541	27	?	?	PUNCT
fsr-3429	542	1	h	h	NOUN
fsr-3429	543	1	yes	yes	INTJ
fsr-3429	543	2	h	h	NOUN
fsr-3429	544	1	no	no	DET
fsr-3429	544	2	lusardi	lusardi	NOUN
fsr-3429	544	3	and	and	CCONJ
fsr-3429	544	4	mitchell	mitchell	PROPN
fsr-3429	544	5	(	(	PUNCT
fsr-3429	544	6	2011	2011	NUM
fsr-3429	544	7	)	)	PUNCT
fsr-3429	544	8	answer	answer	NOUN
fsr-3429	544	9	if	if	SCONJ
fsr-3429	544	10	have	have	AUX
fsr-3429	544	11	you	you	PRON
fsr-3429	544	12	ever	ever	ADV
fsr-3429	544	13	tried	try	VERB
fsr-3429	544	14	to	to	PART
fsr-3429	544	15	figure	figure	VERB
fsr-3429	544	16	out	out	ADP
fsr-3429	544	17	how	how	SCONJ
fsr-3429	544	18	much	much	ADJ
fsr-3429	544	19	your	your	PRON
fsr-3429	544	20	household	household	NOUN
fsr-3429	544	21	would	would	AUX
fsr-3429	544	22	need	need	VERB
fsr-3429	544	23	to	to	PART
fsr-3429	544	24	save	save	VERB
fsr-3429	544	25	for	for	ADP
fsr-3429	544	26	retirement	retirement	NOUN
fsr-3429	544	27	?	?	PUNCT
fsr-3429	545	1	yes	yes	INTJ
fsr-3429	545	2	is	be	AUX
fsr-3429	545	3	selected	select	VERB
fsr-3429	545	4	q7	q7	PROPN
fsr-3429	545	5	did	do	AUX
fsr-3429	545	6	you	you	PRON
fsr-3429	545	7	develop	develop	VERB
fsr-3429	545	8	a	a	DET
fsr-3429	545	9	plan	plan	NOUN
fsr-3429	545	10	for	for	ADP
fsr-3429	545	11	retirement	retirement	NOUN
fsr-3429	545	12	saving	saving	NOUN
fsr-3429	545	13	?	?	PUNCT
fsr-3429	546	1	h	h	NOUN
fsr-3429	547	1	yes	yes	INTJ
fsr-3429	547	2	h	h	NOUN
fsr-3429	547	3	more	more	ADJ
fsr-3429	547	4	or	or	CCONJ
fsr-3429	547	5	less	less	ADJ
fsr-3429	547	6	h	h	NOUN
fsr-3429	547	7	no	no	DET
fsr-3429	547	8	lusardi	lusardi	NOUN
fsr-3429	547	9	and	and	CCONJ
fsr-3429	547	10	mitchell	mitchell	PROPN
fsr-3429	547	11	(	(	PUNCT
fsr-3429	547	12	2011	2011	NUM
fsr-3429	547	13	)	)	PUNCT
fsr-3429	547	14	answer	answer	NOUN
fsr-3429	547	15	if	if	SCONJ
fsr-3429	547	16	did	do	AUX
fsr-3429	547	17	you	you	PRON
fsr-3429	547	18	develop	develop	VERB
fsr-3429	547	19	a	a	DET
fsr-3429	547	20	plan	plan	NOUN
fsr-3429	547	21	for	for	ADP
fsr-3429	547	22	retirement	retirement	NOUN
fsr-3429	547	23	saving	saving	NOUN
fsr-3429	547	24	?	?	PUNCT
fsr-3429	548	1	yes	yes	INTJ
fsr-3429	548	2	is	be	AUX
fsr-3429	548	3	selected	select	VERB
fsr-3429	548	4	or	or	CCONJ
fsr-3429	548	5	did	do	AUX
fsr-3429	548	6	you	you	PRON
fsr-3429	548	7	develop	develop	VERB
fsr-3429	548	8	a	a	DET
fsr-3429	548	9	plan	plan	NOUN
fsr-3429	548	10	for	for	ADP
fsr-3429	548	11	retirement	retirement	NOUN
fsr-3429	548	12	saving	saving	NOUN
fsr-3429	548	13	?	?	PUNCT
fsr-3429	549	1	more	more	ADV
fsr-3429	549	2	or	or	CCONJ
fsr-3429	549	3	less	less	ADV
fsr-3429	549	4	is	be	AUX
fsr-3429	549	5	selected	select	VERB
fsr-3429	549	6	q8	q8	PROPN
fsr-3429	549	7	how	how	SCONJ
fsr-3429	549	8	often	often	ADV
fsr-3429	549	9	were	be	AUX
fsr-3429	549	10	you	you	PRON
fsr-3429	549	11	able	able	ADJ
fsr-3429	549	12	to	to	PART
fsr-3429	549	13	stick	stick	VERB
fsr-3429	549	14	to	to	ADP
fsr-3429	549	15	this	this	DET
fsr-3429	549	16	plan	plan	NOUN
fsr-3429	549	17	?	?	PUNCT
fsr-3429	550	1	h	h	NOUN
fsr-3429	550	2	always	always	ADV
fsr-3429	550	3	h	h	VERB
fsr-3429	550	4	mostly	mostly	ADV
fsr-3429	550	5	h	h	NOUN
fsr-3429	550	6	rarely	rarely	ADV
fsr-3429	550	7	h	h	NOUN
fsr-3429	550	8	never	never	ADV
fsr-3429	550	9	lusardi	lusardi	VERB
fsr-3429	550	10	and	and	CCONJ
fsr-3429	550	11	mitchell	mitchell	PROPN
fsr-3429	550	12	(	(	PUNCT
fsr-3429	550	13	2011	2011	NUM
fsr-3429	550	14	)	)	PUNCT
fsr-3429	550	15	answer	answer	NOUN
fsr-3429	550	16	if	if	SCONJ
fsr-3429	550	17	have	have	AUX
fsr-3429	550	18	you	you	PRON
fsr-3429	550	19	ever	ever	ADV
fsr-3429	550	20	tried	try	VERB
fsr-3429	550	21	to	to	PART
fsr-3429	550	22	figure	figure	VERB
fsr-3429	550	23	out	out	ADP
fsr-3429	550	24	how	how	SCONJ
fsr-3429	550	25	much	much	ADJ
fsr-3429	550	26	your	your	PRON
fsr-3429	550	27	household	household	NOUN
fsr-3429	550	28	would	would	AUX
fsr-3429	550	29	need	need	VERB
fsr-3429	550	30	to	to	PART
fsr-3429	550	31	save	save	VERB
fsr-3429	550	32	for	for	ADP
fsr-3429	550	33	retirement	retirement	NOUN
fsr-3429	550	34	?	?	PUNCT
fsr-3429	551	1	yes	yes	INTJ
fsr-3429	551	2	is	be	AUX
fsr-3429	551	3	selected	select	VERB
fsr-3429	551	4	q9	q9	PROPN
fsr-3429	551	5	in	in	ADP
fsr-3429	551	6	what	what	PRON
fsr-3429	551	7	ways	way	NOUN
fsr-3429	551	8	have	have	AUX
fsr-3429	551	9	you	you	PRON
fsr-3429	551	10	tried	try	VERB
fsr-3429	551	11	to	to	PART
fsr-3429	551	12	figure	figure	VERB
fsr-3429	551	13	out	out	ADP
fsr-3429	551	14	how	how	SCONJ
fsr-3429	551	15	much	much	ADJ
fsr-3429	551	16	your	your	PRON
fsr-3429	551	17	household	household	NOUN
fsr-3429	551	18	would	would	AUX
fsr-3429	551	19	need	need	VERB
fsr-3429	551	20	?	?	PUNCT
fsr-3429	552	1	you	you	PRON
fsr-3429	552	2	may	may	AUX
fsr-3429	552	3	select	select	VERB
fsr-3429	552	4	more	more	ADJ
fsr-3429	552	5	than	than	ADP
fsr-3429	552	6	one	one	NUM
fsr-3429	552	7	option	option	NOUN
fsr-3429	552	8	(	(	PUNCT
fsr-3429	552	9	if	if	SCONJ
fsr-3429	552	10	applicable	applicable	ADJ
fsr-3429	552	11	)	)	PUNCT
fsr-3429	552	12	h	h	NOUN
fsr-3429	553	1	i	i	PRON
fsr-3429	553	2	talked	talk	VERB
fsr-3429	553	3	to	to	ADP
fsr-3429	553	4	family	family	NOUN
fsr-3429	553	5	and	and	CCONJ
fsr-3429	553	6	relatives	relative	NOUN
fsr-3429	554	1	h	h	VERB
fsr-3429	555	1	i	i	PRON
fsr-3429	555	2	talked	talk	VERB
fsr-3429	555	3	to	to	ADP
fsr-3429	555	4	co	co	NOUN
fsr-3429	555	5	-	-	NOUN
fsr-3429	555	6	workers	worker	NOUN
fsr-3429	555	7	or	or	CCONJ
fsr-3429	555	8	friends	friend	NOUN
fsr-3429	555	9	h	h	NOUN
fsr-3429	556	1	i	i	PRON
fsr-3429	556	2	attended	attend	VERB
fsr-3429	556	3	retirement	retirement	NOUN
fsr-3429	556	4	seminars	seminar	NOUN
fsr-3429	557	1	h	h	NOUN
fsr-3429	558	1	i	i	PRON
fsr-3429	558	2	used	use	VERB
fsr-3429	558	3	calculators	calculator	NOUN
fsr-3429	558	4	or	or	CCONJ
fsr-3429	558	5	worksheets	worksheet	NOUN
fsr-3429	558	6	that	that	PRON
fsr-3429	558	7	are	be	AUX
fsr-3429	558	8	computer	computer	NOUN
fsr-3429	558	9	or	or	CCONJ
fsr-3429	558	10	internet	internet	NOUN
fsr-3429	558	11	-	-	PUNCT
fsr-3429	558	12	based	base	VERB
fsr-3429	558	13	h	h	NOUN
fsr-3429	558	14	i	i	PRON
fsr-3429	558	15	consulted	consult	VERB
fsr-3429	558	16	a	a	DET
fsr-3429	558	17	financial	financial	ADJ
fsr-3429	558	18	planner	planner	NOUN
fsr-3429	558	19	or	or	CCONJ
fsr-3429	558	20	advisor	advisor	NOUN
fsr-3429	558	21	or	or	CCONJ
fsr-3429	558	22	an	an	DET
fsr-3429	558	23	accountant	accountant	NOUN
fsr-3429	558	24	h	h	NOUN
fsr-3429	558	25	other	other	ADJ
fsr-3429	558	26	_	_	PUNCT
fsr-3429	559	1	_	_	PUNCT
fsr-3429	560	1	_	_	PUNCT
fsr-3429	561	1	_	_	PUNCT
fsr-3429	562	1	_	_	PUNCT
fsr-3429	563	1	_	_	PUNCT
fsr-3429	564	1	_	_	PUNCT
fsr-3429	565	1	_	_	PUNCT
fsr-3429	566	1	_	_	PUNCT
fsr-3429	567	1	_	_	PUNCT
fsr-3429	568	1	_	_	PUNCT
fsr-3429	569	1	_	_	PUNCT
fsr-3429	570	1	_	_	PUNCT
fsr-3429	571	1	_	_	PUNCT
fsr-3429	572	1	_	_	PUNCT
fsr-3429	573	1	_	_	PUNCT
fsr-3429	574	1	_	_	PUNCT
fsr-3429	575	1	_	_	PUNCT
fsr-3429	576	1	_	_	PUNCT
fsr-3429	577	1	_	_	PUNCT
fsr-3429	577	2	lusardi	lusardi	PROPN
fsr-3429	577	3	and	and	CCONJ
fsr-3429	577	4	mitchell	mitchell	PROPN
fsr-3429	577	5	(	(	PUNCT
fsr-3429	577	6	2011	2011	NUM
fsr-3429	577	7	)	)	PUNCT
fsr-3429	577	8	,	,	PUNCT
fsr-3429	577	9	“	"	PUNCT
fsr-3429	577	10	attended	attend	VERB
fsr-3429	577	11	retirement	retirement	NOUN
fsr-3429	577	12	seminars	seminar	NOUN
fsr-3429	577	13	:	:	PUNCT
fsr-3429	577	14	”	"	PUNCT
fsr-3429	577	15	included	include	VERB
fsr-3429	577	16	by	by	ADP
fsr-3429	577	17	author	author	NOUN
fsr-3429	577	18	as	as	SCONJ
fsr-3429	577	19	it	it	PRON
fsr-3429	577	20	is	be	AUX
fsr-3429	577	21	an	an	DET
fsr-3429	577	22	option	option	NOUN
fsr-3429	577	23	with	with	ADP
fsr-3429	577	24	the	the	DET
fsr-3429	577	25	uctrf	uctrf	NOUN
fsr-3429	577	26	.	.	PUNCT
fsr-3429	578	1	g.d	g.d	NOUN
fsr-3429	578	2	.	.	PROPN
fsr-3429	578	3	willows	willows	PROPN
fsr-3429	578	4	/	/	SYM
fsr-3429	578	5	financial	financial	ADJ
fsr-3429	578	6	services	service	NOUN
fsr-3429	578	7	review	review	VERB
fsr-3429	578	8	28	28	NUM
fsr-3429	578	9	(	(	PUNCT
fsr-3429	578	10	2020	2020	NUM
fsr-3429	578	11	)	)	PUNCT
fsr-3429	579	1	243–271	243–271	NUM
fsr-3429	579	2	265	265	NUM
fsr-3429	579	3	appendix	appendix	NOUN
fsr-3429	579	4	b	b	NUM
fsr-3429	579	5	financial	financial	ADJ
fsr-3429	579	6	literacy	literacy	NOUN
fsr-3429	579	7	questions	question	NOUN
fsr-3429	579	8	:	:	PUNCT
fsr-3429	579	9	for	for	ADP
fsr-3429	579	10	each	each	DET
fsr-3429	579	11	question	question	NOUN
fsr-3429	579	12	,	,	PUNCT
fsr-3429	579	13	select	select	VERB
fsr-3429	579	14	the	the	DET
fsr-3429	579	15	answer	answer	NOUN
fsr-3429	579	16	that	that	PRON
fsr-3429	579	17	you	you	PRON
fsr-3429	579	18	think	think	VERB
fsr-3429	579	19	is	be	AUX
fsr-3429	579	20	most	most	ADV
fsr-3429	579	21	correct	correct	ADJ
fsr-3429	579	22	question	question	NOUN
fsr-3429	579	23	source	source	NOUN
fsr-3429	579	24	numeracy	numeracy	NOUN
fsr-3429	579	25	q10	q10	PROPN
fsr-3429	579	26	suppose	suppose	VERB
fsr-3429	579	27	you	you	PRON
fsr-3429	579	28	had	have	VERB
fsr-3429	579	29	r100	r100	PROPN
fsr-3429	579	30	in	in	ADP
fsr-3429	579	31	a	a	DET
fsr-3429	579	32	savings	saving	NOUN
fsr-3429	579	33	account	account	NOUN
fsr-3429	579	34	and	and	CCONJ
fsr-3429	579	35	the	the	DET
fsr-3429	579	36	interest	interest	NOUN
fsr-3429	579	37	rate	rate	NOUN
fsr-3429	579	38	was	be	AUX
fsr-3429	579	39	two	two	NUM
fsr-3429	579	40	percentage	percentage	NOUN
fsr-3429	579	41	per	per	ADP
fsr-3429	579	42	year	year	NOUN
fsr-3429	579	43	.	.	PUNCT
fsr-3429	580	1	after	after	ADP
fsr-3429	580	2	five	five	NUM
fsr-3429	580	3	years	year	NOUN
fsr-3429	580	4	,	,	PUNCT
fsr-3429	580	5	how	how	SCONJ
fsr-3429	580	6	much	much	ADJ
fsr-3429	580	7	do	do	AUX
fsr-3429	580	8	you	you	PRON
fsr-3429	580	9	think	think	VERB
fsr-3429	580	10	you	you	PRON
fsr-3429	580	11	would	would	AUX
fsr-3429	580	12	have	have	VERB
fsr-3429	580	13	in	in	ADP
fsr-3429	580	14	the	the	DET
fsr-3429	580	15	account	account	NOUN
fsr-3429	580	16	if	if	SCONJ
fsr-3429	580	17	you	you	PRON
fsr-3429	580	18	left	leave	VERB
fsr-3429	580	19	the	the	DET
fsr-3429	580	20	money	money	NOUN
fsr-3429	580	21	to	to	PART
fsr-3429	580	22	grow	grow	VERB
fsr-3429	580	23	?	?	PUNCT
fsr-3429	581	1	h	h	NOUN
fsr-3429	581	2	more	more	ADJ
fsr-3429	581	3	than	than	ADP
fsr-3429	581	4	r102	r102	NUM
fsr-3429	581	5	h	h	NOUN
fsr-3429	581	6	exactly	exactly	ADV
fsr-3429	581	7	r102	r102	NUM
fsr-3429	581	8	h	h	NOUN
fsr-3429	582	1	less	less	ADJ
fsr-3429	582	2	than	than	ADP
fsr-3429	582	3	r102	r102	NUM
fsr-3429	582	4	h	h	NOUN
fsr-3429	582	5	do	do	AUX
fsr-3429	582	6	not	not	PART
fsr-3429	582	7	know	know	VERB
fsr-3429	582	8	lusardi	lusardi	NOUN
fsr-3429	582	9	and	and	CCONJ
fsr-3429	582	10	mitchell	mitchell	PROPN
fsr-3429	582	11	(	(	PUNCT
fsr-3429	582	12	2011	2011	NUM
fsr-3429	582	13	)	)	PUNCT
fsr-3429	582	14	inflation	inflation	NOUN
fsr-3429	582	15	q11	q11	NOUN
fsr-3429	582	16	imagine	imagine	VERB
fsr-3429	582	17	that	that	SCONJ
fsr-3429	582	18	the	the	DET
fsr-3429	582	19	interest	interest	NOUN
fsr-3429	582	20	rate	rate	NOUN
fsr-3429	582	21	on	on	ADP
fsr-3429	582	22	your	your	PRON
fsr-3429	582	23	savings	saving	NOUN
fsr-3429	582	24	account	account	NOUN
fsr-3429	582	25	was	be	AUX
fsr-3429	582	26	one	one	NUM
fsr-3429	582	27	percentage	percentage	NOUN
fsr-3429	582	28	per	per	ADP
fsr-3429	582	29	year	year	NOUN
fsr-3429	582	30	and	and	CCONJ
fsr-3429	582	31	inflation	inflation	NOUN
fsr-3429	582	32	was	be	AUX
fsr-3429	582	33	two	two	NUM
fsr-3429	582	34	percentage	percentage	NOUN
fsr-3429	582	35	per	per	ADP
fsr-3429	582	36	year	year	NOUN
fsr-3429	582	37	.	.	PUNCT
fsr-3429	583	1	after	after	ADP
fsr-3429	583	2	one	one	NUM
fsr-3429	583	3	year	year	NOUN
fsr-3429	583	4	,	,	PUNCT
fsr-3429	583	5	how	how	SCONJ
fsr-3429	583	6	much	much	ADJ
fsr-3429	583	7	would	would	AUX
fsr-3429	583	8	you	you	PRON
fsr-3429	583	9	be	be	AUX
fsr-3429	583	10	able	able	ADJ
fsr-3429	583	11	to	to	PART
fsr-3429	583	12	buy	buy	VERB
fsr-3429	583	13	with	with	ADP
fsr-3429	583	14	the	the	DET
fsr-3429	583	15	money	money	NOUN
fsr-3429	583	16	in	in	ADP
fsr-3429	583	17	this	this	DET
fsr-3429	583	18	account	account	NOUN
fsr-3429	583	19	?	?	PUNCT
fsr-3429	584	1	h	h	NOUN
fsr-3429	584	2	more	more	ADJ
fsr-3429	584	3	than	than	ADP
fsr-3429	584	4	today	today	NOUN
fsr-3429	584	5	h	h	NOUN
fsr-3429	584	6	exactly	exactly	ADV
fsr-3429	584	7	the	the	DET
fsr-3429	584	8	same	same	ADJ
fsr-3429	584	9	h	h	NOUN
fsr-3429	584	10	less	less	ADJ
fsr-3429	584	11	than	than	ADP
fsr-3429	584	12	today	today	NOUN
fsr-3429	584	13	h	h	NOUN
fsr-3429	584	14	do	do	AUX
fsr-3429	584	15	not	not	PART
fsr-3429	584	16	know	know	VERB
fsr-3429	584	17	lusardi	lusardi	NOUN
fsr-3429	584	18	and	and	CCONJ
fsr-3429	584	19	mitchell	mitchell	PROPN
fsr-3429	584	20	(	(	PUNCT
fsr-3429	584	21	2011	2011	NUM
fsr-3429	584	22	)	)	PUNCT
fsr-3429	584	23	time	time	NOUN
fsr-3429	584	24	value	value	NOUN
fsr-3429	584	25	of	of	ADP
fsr-3429	584	26	money	money	NOUN
fsr-3429	584	27	q12	q12	PROPN
fsr-3429	584	28	assume	assume	VERB
fsr-3429	584	29	a	a	DET
fsr-3429	584	30	friend	friend	NOUN
fsr-3429	584	31	inherits	inherit	VERB
fsr-3429	584	32	r10,000	r10,000	NOUN
fsr-3429	584	33	today	today	NOUN
fsr-3429	584	34	and	and	CCONJ
fsr-3429	584	35	his	his	PRON
fsr-3429	584	36	brother	brother	NOUN
fsr-3429	584	37	inherits	inherit	VERB
fsr-3429	584	38	r10,000	r10,000	NOUN
fsr-3429	584	39	three	three	NUM
fsr-3429	584	40	years	year	NOUN
fsr-3429	584	41	from	from	ADP
fsr-3429	584	42	now	now	ADV
fsr-3429	584	43	.	.	PUNCT
fsr-3429	585	1	who	who	PRON
fsr-3429	585	2	is	be	AUX
fsr-3429	585	3	richer	rich	ADJ
fsr-3429	585	4	because	because	SCONJ
fsr-3429	585	5	of	of	ADP
fsr-3429	585	6	the	the	DET
fsr-3429	585	7	inheritance	inheritance	NOUN
fsr-3429	585	8	?	?	PUNCT
fsr-3429	586	1	h	h	NOUN
fsr-3429	587	1	my	my	PRON
fsr-3429	587	2	friend	friend	NOUN
fsr-3429	587	3	h	h	PROPN
fsr-3429	587	4	his	his	PRON
fsr-3429	587	5	brother	brother	NOUN
fsr-3429	587	6	h	h	NOUN
fsr-3429	588	1	they	they	PRON
fsr-3429	588	2	are	be	AUX
fsr-3429	588	3	equally	equally	ADV
fsr-3429	588	4	rich	rich	ADJ
fsr-3429	588	5	h	h	NOUN
fsr-3429	588	6	do	do	AUX
fsr-3429	588	7	not	not	PART
fsr-3429	588	8	know	know	VERB
fsr-3429	588	9	lusardi	lusardi	NOUN
fsr-3429	588	10	and	and	CCONJ
fsr-3429	588	11	mitchell	mitchell	PROPN
fsr-3429	588	12	(	(	PUNCT
fsr-3429	588	13	2017	2017	NUM
fsr-3429	588	14	)	)	PUNCT
fsr-3429	588	15	,	,	PUNCT
fsr-3429	588	16	“	"	PUNCT
fsr-3429	588	17	sibling	sible	VERB
fsr-3429	588	18	”	"	PUNCT
fsr-3429	588	19	changed	change	VERB
fsr-3429	588	20	to	to	ADP
fsr-3429	588	21	“	"	PUNCT
fsr-3429	588	22	brother	brother	NOUN
fsr-3429	588	23	”	"	PUNCT
fsr-3429	588	24	for	for	ADP
fsr-3429	588	25	clarification	clarification	NOUN
fsr-3429	588	26	.	.	PUNCT
fsr-3429	589	1	money	money	NOUN
fsr-3429	589	2	illusion	illusion	NOUN
fsr-3429	589	3	q13	q13	NOUN
fsr-3429	589	4	suppose	suppose	VERB
fsr-3429	589	5	that	that	SCONJ
fsr-3429	589	6	in	in	ADP
fsr-3429	589	7	the	the	DET
fsr-3429	589	8	year	year	NOUN
fsr-3429	589	9	2020	2020	NUM
fsr-3429	589	10	,	,	PUNCT
fsr-3429	589	11	your	your	PRON
fsr-3429	589	12	income	income	NOUN
fsr-3429	589	13	has	have	AUX
fsr-3429	589	14	doubled	double	VERB
fsr-3429	589	15	and	and	CCONJ
fsr-3429	589	16	prices	price	NOUN
fsr-3429	589	17	of	of	ADP
fsr-3429	589	18	all	all	DET
fsr-3429	589	19	goods	good	NOUN
fsr-3429	589	20	have	have	AUX
fsr-3429	589	21	doubled	double	VERB
fsr-3429	589	22	too	too	ADV
fsr-3429	589	23	.	.	PUNCT
fsr-3429	590	1	in	in	ADP
fsr-3429	590	2	2020	2020	NUM
fsr-3429	590	3	,	,	PUNCT
fsr-3429	590	4	how	how	SCONJ
fsr-3429	590	5	much	much	ADJ
fsr-3429	590	6	will	will	AUX
fsr-3429	590	7	you	you	PRON
fsr-3429	590	8	be	be	AUX
fsr-3429	590	9	able	able	ADJ
fsr-3429	590	10	to	to	PART
fsr-3429	590	11	buy	buy	VERB
fsr-3429	590	12	with	with	ADP
fsr-3429	590	13	your	your	PRON
fsr-3429	590	14	income	income	NOUN
fsr-3429	590	15	?	?	PUNCT
fsr-3429	591	1	h	h	NOUN
fsr-3429	591	2	more	more	ADJ
fsr-3429	591	3	than	than	ADP
fsr-3429	591	4	today	today	NOUN
fsr-3429	591	5	h	h	NOUN
fsr-3429	591	6	the	the	DET
fsr-3429	591	7	same	same	ADJ
fsr-3429	591	8	as	as	ADP
fsr-3429	591	9	today	today	NOUN
fsr-3429	591	10	h	h	NOUN
fsr-3429	591	11	less	less	ADJ
fsr-3429	591	12	than	than	ADP
fsr-3429	591	13	today	today	NOUN
fsr-3429	591	14	h	h	NOUN
fsr-3429	591	15	do	do	AUX
fsr-3429	591	16	not	not	PART
fsr-3429	591	17	know	know	VERB
fsr-3429	591	18	lusardi	lusardi	NOUN
fsr-3429	591	19	and	and	CCONJ
fsr-3429	591	20	mitchell	mitchell	PROPN
fsr-3429	591	21	(	(	PUNCT
fsr-3429	591	22	2017	2017	NUM
fsr-3429	591	23	)	)	PUNCT
fsr-3429	591	24	function	function	NOUN
fsr-3429	591	25	of	of	ADP
fsr-3429	591	26	the	the	DET
fsr-3429	591	27	share	share	NOUN
fsr-3429	591	28	market	market	NOUN
fsr-3429	591	29	q14	q14	NOUN
fsr-3429	591	30	which	which	PRON
fsr-3429	591	31	of	of	ADP
fsr-3429	591	32	the	the	DET
fsr-3429	591	33	following	following	ADJ
fsr-3429	591	34	statements	statement	NOUN
fsr-3429	591	35	describes	describe	VERB
fsr-3429	591	36	the	the	DET
fsr-3429	591	37	main	main	ADJ
fsr-3429	591	38	function	function	NOUN
fsr-3429	591	39	of	of	ADP
fsr-3429	591	40	the	the	DET
fsr-3429	591	41	share	share	NOUN
fsr-3429	591	42	market	market	NOUN
fsr-3429	591	43	(	(	PUNCT
fsr-3429	591	44	also	also	ADV
fsr-3429	591	45	referred	refer	VERB
fsr-3429	591	46	to	to	ADP
fsr-3429	591	47	as	as	ADP
fsr-3429	591	48	the	the	DET
fsr-3429	591	49	“	"	PUNCT
fsr-3429	591	50	stock	stock	NOUN
fsr-3429	591	51	market	market	NOUN
fsr-3429	591	52	”	"	PUNCT
fsr-3429	591	53	or	or	CCONJ
fsr-3429	591	54	“	"	PUNCT
fsr-3429	591	55	equity	equity	NOUN
fsr-3429	591	56	market	market	NOUN
fsr-3429	591	57	”	"	PUNCT
fsr-3429	591	58	)	)	PUNCT
fsr-3429	591	59	?	?	PUNCT
fsr-3429	592	1	h	h	NOUN
fsr-3429	593	1	the	the	DET
fsr-3429	593	2	share	share	NOUN
fsr-3429	593	3	market	market	NOUN
fsr-3429	593	4	helps	help	VERB
fsr-3429	593	5	to	to	PART
fsr-3429	593	6	predict	predict	VERB
fsr-3429	593	7	share	share	NOUN
fsr-3429	593	8	earnings	earning	NOUN
fsr-3429	593	9	h	h	NOUN
fsr-3429	593	10	the	the	DET
fsr-3429	593	11	share	share	NOUN
fsr-3429	593	12	market	market	NOUN
fsr-3429	593	13	results	result	NOUN
fsr-3429	593	14	in	in	ADP
fsr-3429	593	15	an	an	DET
fsr-3429	593	16	increase	increase	NOUN
fsr-3429	593	17	in	in	ADP
fsr-3429	593	18	the	the	DET
fsr-3429	593	19	price	price	NOUN
fsr-3429	593	20	of	of	ADP
fsr-3429	593	21	shares	share	NOUN
fsr-3429	593	22	h	h	NOUN
fsr-3429	593	23	the	the	DET
fsr-3429	593	24	share	share	NOUN
fsr-3429	593	25	market	market	NOUN
fsr-3429	593	26	brings	bring	VERB
fsr-3429	593	27	people	people	NOUN
fsr-3429	593	28	who	who	PRON
fsr-3429	593	29	want	want	VERB
fsr-3429	593	30	to	to	PART
fsr-3429	593	31	buy	buy	VERB
fsr-3429	593	32	shares	share	NOUN
fsr-3429	593	33	together	together	ADV
fsr-3429	593	34	with	with	ADP
fsr-3429	593	35	those	those	PRON
fsr-3429	593	36	who	who	PRON
fsr-3429	593	37	want	want	VERB
fsr-3429	593	38	to	to	PART
fsr-3429	593	39	sell	sell	VERB
fsr-3429	593	40	shares	share	NOUN
fsr-3429	593	41	h	h	NOUN
fsr-3429	593	42	none	none	NOUN
fsr-3429	593	43	of	of	ADP
fsr-3429	593	44	the	the	DET
fsr-3429	593	45	above	above	ADJ
fsr-3429	593	46	h	h	NOUN
fsr-3429	593	47	do	do	AUX
fsr-3429	593	48	not	not	PART
fsr-3429	593	49	know	know	VERB
fsr-3429	593	50	lusardi	lusardi	NOUN
fsr-3429	593	51	and	and	CCONJ
fsr-3429	593	52	mitchell	mitchell	PROPN
fsr-3429	593	53	(	(	PUNCT
fsr-3429	593	54	2017	2017	NUM
fsr-3429	593	55	)	)	PUNCT
fsr-3429	593	56	,	,	PUNCT
fsr-3429	593	57	‘	'	PUNCT
fsr-3429	593	58	stock	stock	NOUN
fsr-3429	593	59	’	'	PUNCT
fsr-3429	593	60	(	(	PUNCT
fsr-3429	593	61	american	american	ADJ
fsr-3429	593	62	terminology	terminology	NOUN
fsr-3429	593	63	)	)	PUNCT
fsr-3429	593	64	replaced	replace	VERB
fsr-3429	593	65	with	with	ADP
fsr-3429	593	66	“	"	PUNCT
fsr-3429	593	67	share	share	NOUN
fsr-3429	593	68	”	"	PUNCT
fsr-3429	593	69	(	(	PUNCT
fsr-3429	593	70	south	south	ADJ
fsr-3429	593	71	african	african	ADJ
fsr-3429	593	72	terminology	terminology	NOUN
fsr-3429	593	73	)	)	PUNCT
fsr-3429	593	74	,	,	PUNCT
fsr-3429	593	75	and	and	CCONJ
fsr-3429	593	76	further	further	ADJ
fsr-3429	593	77	example	example	NOUN
fsr-3429	593	78	’s	’s	AUX
fsr-3429	593	79	given	give	VERB
fsr-3429	593	80	to	to	PART
fsr-3429	593	81	ensure	ensure	VERB
fsr-3429	593	82	clarity	clarity	NOUN
fsr-3429	593	83	.	.	PUNCT
fsr-3429	594	1	(	(	PUNCT
fsr-3429	594	2	continued	continue	VERB
fsr-3429	594	3	on	on	ADP
fsr-3429	594	4	next	next	ADJ
fsr-3429	594	5	page	page	NOUN
fsr-3429	594	6	)	)	PUNCT
fsr-3429	594	7	266	266	NUM
fsr-3429	594	8	g.d	g.d	NOUN
fsr-3429	594	9	.	.	PUNCT
fsr-3429	594	10	willows	willows	PROPN
fsr-3429	594	11	/	/	SYM
fsr-3429	594	12	financial	financial	ADJ
fsr-3429	594	13	services	service	NOUN
fsr-3429	594	14	review	review	VERB
fsr-3429	594	15	28	28	NUM
fsr-3429	594	16	(	(	PUNCT
fsr-3429	594	17	2020	2020	NUM
fsr-3429	594	18	)	)	PUNCT
fsr-3429	595	1	243–271	243–271	NUM
fsr-3429	595	2	appendix	appendix	NOUN
fsr-3429	595	3	b	b	PROPN
fsr-3429	595	4	(	(	PUNCT
fsr-3429	595	5	continued	continued	ADJ
fsr-3429	595	6	)	)	PUNCT
fsr-3429	595	7	question	question	NOUN
fsr-3429	595	8	source	source	NOUN
fsr-3429	595	9	knowledge	knowledge	NOUN
fsr-3429	595	10	of	of	ADP
fsr-3429	595	11	shares	share	NOUN
fsr-3429	595	12	q15	q15	VERB
fsr-3429	595	13	which	which	PRON
fsr-3429	595	14	of	of	ADP
fsr-3429	595	15	the	the	DET
fsr-3429	595	16	following	following	ADJ
fsr-3429	595	17	statements	statement	NOUN
fsr-3429	595	18	is	be	AUX
fsr-3429	595	19	correct	correct	ADJ
fsr-3429	595	20	?	?	PUNCT
fsr-3429	596	1	if	if	SCONJ
fsr-3429	596	2	somebody	somebody	PRON
fsr-3429	596	3	buys	buy	VERB
fsr-3429	596	4	a	a	DET
fsr-3429	596	5	share	share	NOUN
fsr-3429	596	6	of	of	ADP
fsr-3429	596	7	company	company	NOUN
fsr-3429	596	8	b	b	PROPN
fsr-3429	596	9	in	in	ADP
fsr-3429	596	10	the	the	DET
fsr-3429	596	11	share	share	NOUN
fsr-3429	596	12	market	market	NOUN
fsr-3429	596	13	:	:	PUNCT
fsr-3429	596	14	h	h	NOUN
fsr-3429	596	15	he	he	PRON
fsr-3429	596	16	owns	own	VERB
fsr-3429	596	17	a	a	DET
fsr-3429	596	18	part	part	NOUN
fsr-3429	596	19	of	of	ADP
fsr-3429	596	20	company	company	NOUN
fsr-3429	596	21	b	b	NOUN
fsr-3429	597	1	h	h	NOUN
fsr-3429	598	1	he	he	PRON
fsr-3429	598	2	has	have	AUX
fsr-3429	598	3	loaned	loan	VERB
fsr-3429	598	4	money	money	NOUN
fsr-3429	598	5	to	to	ADP
fsr-3429	598	6	company	company	NOUN
fsr-3429	598	7	b	b	NOUN
fsr-3429	598	8	h	h	NOUN
fsr-3429	599	1	he	he	PRON
fsr-3429	599	2	is	be	AUX
fsr-3429	599	3	liable	liable	ADJ
fsr-3429	599	4	for	for	ADP
fsr-3429	599	5	company	company	NOUN
fsr-3429	599	6	b	b	PROPN
fsr-3429	599	7	’s	’s	PART
fsr-3429	599	8	debts	debt	NOUN
fsr-3429	599	9	h	h	ADP
fsr-3429	599	10	none	none	NOUN
fsr-3429	599	11	of	of	ADP
fsr-3429	599	12	the	the	DET
fsr-3429	599	13	above	above	ADJ
fsr-3429	599	14	h	h	NOUN
fsr-3429	599	15	do	do	AUX
fsr-3429	599	16	not	not	PART
fsr-3429	599	17	know	know	VERB
fsr-3429	599	18	van	van	NOUN
fsr-3429	599	19	rooij	rooij	NOUN
fsr-3429	599	20	et	et	PROPN
fsr-3429	599	21	al	al	PROPN
fsr-3429	599	22	.	.	PUNCT
fsr-3429	600	1	(	(	PUNCT
fsr-3429	600	2	2011	2011	NUM
fsr-3429	600	3	)	)	PUNCT
fsr-3429	600	4	,	,	PUNCT
fsr-3429	600	5	“	"	PUNCT
fsr-3429	600	6	stock	stock	NOUN
fsr-3429	600	7	”	"	PUNCT
fsr-3429	600	8	(	(	PUNCT
fsr-3429	600	9	american	american	ADJ
fsr-3429	600	10	terminology	terminology	NOUN
fsr-3429	600	11	)	)	PUNCT
fsr-3429	600	12	replaced	replace	VERB
fsr-3429	600	13	with	with	ADP
fsr-3429	600	14	“	"	PUNCT
fsr-3429	600	15	share	share	NOUN
fsr-3429	600	16	”	"	PUNCT
fsr-3429	600	17	(	(	PUNCT
fsr-3429	600	18	south	south	ADJ
fsr-3429	600	19	african	african	ADJ
fsr-3429	600	20	terminology	terminology	NOUN
fsr-3429	600	21	)	)	PUNCT
fsr-3429	600	22	.	.	PUNCT
fsr-3429	601	1	knowledge	knowledge	NOUN
fsr-3429	601	2	of	of	ADP
fsr-3429	601	3	cis	cis	NOUN
fsr-3429	601	4	’s	’s	PART
fsr-3429	601	5	q16	q16	NOUN
fsr-3429	601	6	which	which	PRON
fsr-3429	601	7	of	of	ADP
fsr-3429	601	8	the	the	DET
fsr-3429	601	9	following	following	ADJ
fsr-3429	601	10	statements	statement	NOUN
fsr-3429	601	11	is	be	AUX
fsr-3429	601	12	most	most	ADV
fsr-3429	601	13	correct	correct	ADJ
fsr-3429	601	14	?	?	PUNCT
fsr-3429	602	1	h	h	NOUN
fsr-3429	603	1	once	once	SCONJ
fsr-3429	603	2	you	you	PRON
fsr-3429	603	3	invest	invest	VERB
fsr-3429	603	4	in	in	ADP
fsr-3429	603	5	a	a	DET
fsr-3429	603	6	collective	collective	ADJ
fsr-3429	603	7	investment	investment	NOUN
fsr-3429	603	8	scheme	scheme	NOUN
fsr-3429	603	9	that	that	PRON
fsr-3429	603	10	is	be	AUX
fsr-3429	603	11	,	,	PUNCT
fsr-3429	603	12	“	"	PUNCT
fsr-3429	603	13	unit	unit	NOUN
fsr-3429	603	14	trust	trust	NOUN
fsr-3429	603	15	,	,	PUNCT
fsr-3429	603	16	”	"	PUNCT
fsr-3429	603	17	you	you	PRON
fsr-3429	603	18	can	can	AUX
fsr-3429	603	19	not	not	PART
fsr-3429	603	20	withdraw	withdraw	VERB
fsr-3429	603	21	the	the	DET
fsr-3429	603	22	money	money	NOUN
fsr-3429	603	23	in	in	ADP
fsr-3429	603	24	the	the	DET
fsr-3429	603	25	first	first	ADJ
fsr-3429	603	26	year	year	NOUN
fsr-3429	603	27	h	h	PROPN
fsr-3429	603	28	unit	unit	NOUN
fsr-3429	603	29	trusts	trust	VERB
fsr-3429	603	30	can	can	AUX
fsr-3429	603	31	invest	invest	VERB
fsr-3429	603	32	in	in	ADP
fsr-3429	603	33	several	several	ADJ
fsr-3429	603	34	asset	asset	NOUN
fsr-3429	603	35	classes	class	NOUN
fsr-3429	603	36	,	,	PUNCT
fsr-3429	603	37	for	for	ADP
fsr-3429	603	38	example	example	NOUN
fsr-3429	603	39	;	;	PUNCT
fsr-3429	603	40	shares	share	NOUN
fsr-3429	603	41	/	/	SYM
fsr-3429	603	42	equity	equity	NOUN
fsr-3429	603	43	,	,	PUNCT
fsr-3429	603	44	bonds	bond	NOUN
fsr-3429	603	45	,	,	PUNCT
fsr-3429	603	46	property	property	NOUN
fsr-3429	603	47	,	,	PUNCT
fsr-3429	603	48	and	and	CCONJ
fsr-3429	603	49	cash	cash	NOUN
fsr-3429	603	50	.	.	PUNCT
fsr-3429	604	1	h	h	PROPN
fsr-3429	604	2	unit	unit	NOUN
fsr-3429	604	3	trusts	trusts	AUX
fsr-3429	604	4	pay	pay	VERB
fsr-3429	604	5	a	a	DET
fsr-3429	604	6	guaranteed	guarantee	VERB
fsr-3429	604	7	rate	rate	NOUN
fsr-3429	604	8	of	of	ADP
fsr-3429	604	9	return	return	NOUN
fsr-3429	604	10	that	that	PRON
fsr-3429	604	11	depends	depend	VERB
fsr-3429	604	12	on	on	ADP
fsr-3429	604	13	their	their	PRON
fsr-3429	604	14	past	past	ADJ
fsr-3429	604	15	performance	performance	NOUN
fsr-3429	604	16	h	h	NOUN
fsr-3429	604	17	none	none	NOUN
fsr-3429	604	18	of	of	ADP
fsr-3429	604	19	the	the	DET
fsr-3429	604	20	above	above	ADJ
fsr-3429	604	21	h	h	NOUN
fsr-3429	604	22	do	do	AUX
fsr-3429	604	23	not	not	PART
fsr-3429	604	24	know	know	VERB
fsr-3429	604	25	lusardi	lusardi	NOUN
fsr-3429	604	26	and	and	CCONJ
fsr-3429	604	27	mitchell	mitchell	PROPN
fsr-3429	604	28	(	(	PUNCT
fsr-3429	604	29	2017	2017	NUM
fsr-3429	604	30	)	)	PUNCT
fsr-3429	604	31	,	,	PUNCT
fsr-3429	604	32	“	"	PUNCT
fsr-3429	604	33	mutual	mutual	ADJ
fsr-3429	604	34	fund	fund	NOUN
fsr-3429	604	35	”	"	PUNCT
fsr-3429	604	36	(	(	PUNCT
fsr-3429	604	37	american	american	ADJ
fsr-3429	604	38	terminology	terminology	NOUN
fsr-3429	604	39	)	)	PUNCT
fsr-3429	604	40	replaced	replace	VERB
fsr-3429	604	41	with	with	ADP
fsr-3429	604	42	“	"	PUNCT
fsr-3429	604	43	collective	collective	ADJ
fsr-3429	604	44	investment	investment	NOUN
fsr-3429	604	45	scheme	scheme	NOUN
fsr-3429	604	46	”	"	PUNCT
fsr-3429	604	47	(	(	PUNCT
fsr-3429	604	48	south	south	ADJ
fsr-3429	604	49	african	african	ADJ
fsr-3429	604	50	terminology	terminology	NOUN
fsr-3429	604	51	)	)	PUNCT
fsr-3429	604	52	,	,	PUNCT
fsr-3429	604	53	and	and	CCONJ
fsr-3429	604	54	lay	lie	VERB
fsr-3429	604	55	terminology	terminology	NOUN
fsr-3429	604	56	of	of	ADP
fsr-3429	604	57	“	"	PUNCT
fsr-3429	604	58	unit	unit	NOUN
fsr-3429	604	59	trust	trust	NOUN
fsr-3429	604	60	”	"	PUNCT
fsr-3429	604	61	also	also	ADV
fsr-3429	604	62	given	give	VERB
fsr-3429	604	63	to	to	PART
fsr-3429	604	64	ensure	ensure	VERB
fsr-3429	604	65	clarity	clarity	NOUN
fsr-3429	604	66	.	.	PUNCT
fsr-3429	605	1	knowledge	knowledge	NOUN
fsr-3429	605	2	of	of	ADP
fsr-3429	605	3	bonds	bond	NOUN
fsr-3429	605	4	q17	q17	NOUN
fsr-3429	605	5	which	which	PRON
fsr-3429	605	6	of	of	ADP
fsr-3429	605	7	the	the	DET
fsr-3429	605	8	following	following	ADJ
fsr-3429	605	9	statements	statement	NOUN
fsr-3429	605	10	is	be	AUX
fsr-3429	605	11	correct	correct	ADJ
fsr-3429	605	12	?	?	PUNCT
fsr-3429	606	1	if	if	SCONJ
fsr-3429	606	2	somebody	somebody	PRON
fsr-3429	606	3	buys	buy	VERB
fsr-3429	606	4	a	a	DET
fsr-3429	606	5	bond	bond	NOUN
fsr-3429	606	6	issued	issue	VERB
fsr-3429	606	7	by	by	ADP
fsr-3429	606	8	company	company	NOUN
fsr-3429	606	9	b	b	NOUN
fsr-3429	606	10	:	:	PUNCT
fsr-3429	606	11	h	h	NOUN
fsr-3429	606	12	he	he	PRON
fsr-3429	606	13	owns	own	VERB
fsr-3429	606	14	a	a	DET
fsr-3429	606	15	part	part	NOUN
fsr-3429	606	16	of	of	ADP
fsr-3429	606	17	company	company	NOUN
fsr-3429	606	18	b	b	NOUN
fsr-3429	607	1	h	h	NOUN
fsr-3429	608	1	he	he	PRON
fsr-3429	608	2	has	have	AUX
fsr-3429	608	3	loaned	loan	VERB
fsr-3429	608	4	money	money	NOUN
fsr-3429	608	5	to	to	ADP
fsr-3429	608	6	company	company	NOUN
fsr-3429	608	7	b	b	NOUN
fsr-3429	608	8	h	h	NOUN
fsr-3429	609	1	he	he	PRON
fsr-3429	609	2	is	be	AUX
fsr-3429	609	3	liable	liable	ADJ
fsr-3429	609	4	for	for	ADP
fsr-3429	609	5	company	company	NOUN
fsr-3429	609	6	b	b	PROPN
fsr-3429	609	7	’s	’s	PART
fsr-3429	609	8	debts	debt	NOUN
fsr-3429	609	9	h	h	ADP
fsr-3429	609	10	none	none	NOUN
fsr-3429	609	11	of	of	ADP
fsr-3429	609	12	the	the	DET
fsr-3429	609	13	above	above	ADJ
fsr-3429	609	14	h	h	NOUN
fsr-3429	609	15	do	do	AUX
fsr-3429	609	16	not	not	PART
fsr-3429	609	17	know	know	VERB
fsr-3429	609	18	van	van	NOUN
fsr-3429	609	19	rooij	rooij	NOUN
fsr-3429	609	20	et	et	PROPN
fsr-3429	609	21	al	al	PROPN
fsr-3429	609	22	.	.	PROPN
fsr-3429	610	1	(	(	PUNCT
fsr-3429	610	2	2011	2011	NUM
fsr-3429	610	3	)	)	PUNCT
fsr-3429	610	4	long	long	ADJ
fsr-3429	610	5	-	-	PUNCT
fsr-3429	610	6	period	period	NOUN
fsr-3429	610	7	returns	return	NOUN
fsr-3429	610	8	q18	q18	ADV
fsr-3429	610	9	considering	consider	VERB
fsr-3429	610	10	a	a	DET
fsr-3429	610	11	long	long	ADJ
fsr-3429	610	12	time	time	NOUN
fsr-3429	610	13	period	period	NOUN
fsr-3429	610	14	(	(	PUNCT
fsr-3429	610	15	e.g.	e.g.	ADV
fsr-3429	610	16	,	,	PUNCT
fsr-3429	610	17	10	10	NUM
fsr-3429	610	18	or	or	CCONJ
fsr-3429	610	19	20	20	NUM
fsr-3429	610	20	years	year	NOUN
fsr-3429	610	21	)	)	PUNCT
fsr-3429	610	22	,	,	PUNCT
fsr-3429	610	23	which	which	DET
fsr-3429	610	24	asset	asset	NOUN
fsr-3429	610	25	normally	normally	ADV
fsr-3429	610	26	gives	give	VERB
fsr-3429	610	27	the	the	DET
fsr-3429	610	28	highest	high	ADJ
fsr-3429	610	29	return	return	NOUN
fsr-3429	610	30	?	?	PUNCT
fsr-3429	611	1	h	h	NOUN
fsr-3429	611	2	savings	saving	NOUN
fsr-3429	611	3	accounts	account	NOUN
fsr-3429	611	4	/	/	SYM
fsr-3429	611	5	cash	cash	NOUN
fsr-3429	611	6	h	h	NOUN
fsr-3429	611	7	bonds	bond	NOUN
fsr-3429	611	8	h	h	PROPN
fsr-3429	611	9	shares	share	NOUN
fsr-3429	611	10	/	/	SYM
fsr-3429	611	11	equity	equity	NOUN
fsr-3429	611	12	h	h	NOUN
fsr-3429	611	13	do	do	AUX
fsr-3429	611	14	not	not	PART
fsr-3429	611	15	know	know	VERB
fsr-3429	611	16	lusardi	lusardi	NOUN
fsr-3429	611	17	and	and	CCONJ
fsr-3429	611	18	mitchell	mitchell	PROPN
fsr-3429	611	19	(	(	PUNCT
fsr-3429	611	20	2017	2017	NUM
fsr-3429	611	21	)	)	PUNCT
fsr-3429	611	22	,	,	PUNCT
fsr-3429	611	23	multiple	multiple	ADJ
fsr-3429	611	24	terms	term	NOUN
fsr-3429	611	25	for	for	ADP
fsr-3429	611	26	cash	cash	NOUN
fsr-3429	611	27	and	and	CCONJ
fsr-3429	611	28	equity	equity	NOUN
fsr-3429	611	29	given	give	VERB
fsr-3429	611	30	to	to	PART
fsr-3429	611	31	ensure	ensure	VERB
fsr-3429	611	32	clarity	clarity	NOUN
fsr-3429	611	33	.	.	PUNCT
fsr-3429	612	1	highest	high	ADJ
fsr-3429	612	2	variability	variability	NOUN
fsr-3429	612	3	q19	q19	ADV
fsr-3429	612	4	normally	normally	ADV
fsr-3429	612	5	,	,	PUNCT
fsr-3429	612	6	which	which	DET
fsr-3429	612	7	asset	asset	NOUN
fsr-3429	612	8	displays	display	VERB
fsr-3429	612	9	the	the	DET
fsr-3429	612	10	highest	high	ADJ
fsr-3429	612	11	variability	variability	NOUN
fsr-3429	612	12	of	of	ADP
fsr-3429	612	13	return	return	NOUN
fsr-3429	612	14	over	over	ADP
fsr-3429	612	15	time	time	NOUN
fsr-3429	612	16	?	?	PUNCT
fsr-3429	613	1	h	h	NOUN
fsr-3429	613	2	savings	saving	NOUN
fsr-3429	613	3	accounts	account	NOUN
fsr-3429	613	4	/	/	SYM
fsr-3429	613	5	cash	cash	NOUN
fsr-3429	613	6	h	h	NOUN
fsr-3429	613	7	bonds	bond	NOUN
fsr-3429	613	8	h	h	PROPN
fsr-3429	613	9	shares	share	NOUN
fsr-3429	613	10	/	/	SYM
fsr-3429	613	11	equity	equity	NOUN
fsr-3429	613	12	h	h	NOUN
fsr-3429	613	13	do	do	AUX
fsr-3429	613	14	not	not	PART
fsr-3429	613	15	know	know	VERB
fsr-3429	613	16	lusardi	lusardi	NOUN
fsr-3429	613	17	and	and	CCONJ
fsr-3429	613	18	mitchell	mitchell	PROPN
fsr-3429	613	19	(	(	PUNCT
fsr-3429	613	20	2017	2017	NUM
fsr-3429	613	21	)	)	PUNCT
fsr-3429	613	22	,	,	PUNCT
fsr-3429	613	23	multiple	multiple	ADJ
fsr-3429	613	24	terms	term	NOUN
fsr-3429	613	25	for	for	ADP
fsr-3429	613	26	cash	cash	NOUN
fsr-3429	613	27	and	and	CCONJ
fsr-3429	613	28	equity	equity	NOUN
fsr-3429	613	29	given	give	VERB
fsr-3429	613	30	to	to	PART
fsr-3429	613	31	ensure	ensure	VERB
fsr-3429	613	32	clarity	clarity	NOUN
fsr-3429	613	33	.	.	PUNCT
fsr-3429	614	1	risk	risk	NOUN
fsr-3429	614	2	diversification	diversification	NOUN
fsr-3429	614	3	q20	q20	NOUN
fsr-3429	614	4	complete	complete	VERB
fsr-3429	614	5	the	the	DET
fsr-3429	614	6	sentence	sentence	NOUN
fsr-3429	614	7	.	.	PUNCT
fsr-3429	615	1	when	when	SCONJ
fsr-3429	615	2	an	an	DET
fsr-3429	615	3	investor	investor	NOUN
fsr-3429	615	4	spreads	spread	VERB
fsr-3429	615	5	his	his	PRON
fsr-3429	615	6	or	or	CCONJ
fsr-3429	615	7	her	her	PRON
fsr-3429	615	8	money	money	NOUN
fsr-3429	615	9	among	among	ADP
fsr-3429	615	10	different	different	ADJ
fsr-3429	615	11	assets	asset	NOUN
fsr-3429	615	12	,	,	PUNCT
fsr-3429	615	13	the	the	DET
fsr-3429	615	14	risk	risk	NOUN
fsr-3429	615	15	of	of	ADP
fsr-3429	615	16	losing	lose	VERB
fsr-3429	615	17	money	money	NOUN
fsr-3429	615	18	should	should	AUX
fsr-3429	615	19	:	:	PUNCT
fsr-3429	615	20	h	h	NOUN
fsr-3429	615	21	increase	increase	NOUN
fsr-3429	615	22	h	h	NOUN
fsr-3429	615	23	decrease	decrease	NOUN
fsr-3429	615	24	h	h	PRON
fsr-3429	615	25	stay	stay	VERB
fsr-3429	615	26	the	the	DET
fsr-3429	615	27	same	same	ADJ
fsr-3429	615	28	as	as	SCONJ
fsr-3429	615	29	if	if	SCONJ
fsr-3429	615	30	the	the	DET
fsr-3429	615	31	investor	investor	NOUN
fsr-3429	615	32	had	have	AUX
fsr-3429	615	33	n’t	not	PART
fsr-3429	615	34	spread	spread	VERB
fsr-3429	615	35	his	his	PRON
fsr-3429	615	36	or	or	CCONJ
fsr-3429	615	37	her	her	PRON
fsr-3429	615	38	money	money	NOUN
fsr-3429	615	39	h	h	NOUN
fsr-3429	615	40	do	do	AUX
fsr-3429	615	41	not	not	PART
fsr-3429	615	42	know	know	VERB
fsr-3429	615	43	lusardi	lusardi	NOUN
fsr-3429	615	44	and	and	CCONJ
fsr-3429	615	45	mitchell	mitchell	PROPN
fsr-3429	615	46	(	(	PUNCT
fsr-3429	615	47	2017	2017	NUM
fsr-3429	615	48	)	)	PUNCT
fsr-3429	615	49	,	,	PUNCT
fsr-3429	615	50	response	response	NOUN
fsr-3429	615	51	for	for	ADP
fsr-3429	615	52	“	"	PUNCT
fsr-3429	615	53	stay	stay	VERB
fsr-3429	615	54	the	the	DET
fsr-3429	615	55	same	same	ADJ
fsr-3429	615	56	”	"	PUNCT
fsr-3429	615	57	extended	extend	VERB
fsr-3429	615	58	to	to	PART
fsr-3429	615	59	make	make	VERB
fsr-3429	615	60	complete	complete	ADJ
fsr-3429	615	61	sentence	sentence	NOUN
fsr-3429	615	62	.	.	PUNCT
fsr-3429	616	1	(	(	PUNCT
fsr-3429	616	2	continued	continue	VERB
fsr-3429	616	3	on	on	ADP
fsr-3429	616	4	next	next	ADJ
fsr-3429	616	5	page	page	NOUN
fsr-3429	616	6	)	)	PUNCT
fsr-3429	616	7	g.d	g.d	PROPN
fsr-3429	616	8	.	.	PROPN
fsr-3429	616	9	willows	willows	PROPN
fsr-3429	616	10	/	/	SYM
fsr-3429	616	11	financial	financial	ADJ
fsr-3429	616	12	services	service	NOUN
fsr-3429	616	13	review	review	VERB
fsr-3429	616	14	28	28	NUM
fsr-3429	616	15	(	(	PUNCT
fsr-3429	616	16	2020	2020	NUM
fsr-3429	616	17	)	)	PUNCT
fsr-3429	617	1	243–271	243–271	NUM
fsr-3429	617	2	267	267	NUM
fsr-3429	617	3	appendix	appendix	NOUN
fsr-3429	617	4	b	b	PROPN
fsr-3429	617	5	(	(	PUNCT
fsr-3429	617	6	continued	continued	ADJ
fsr-3429	617	7	)	)	PUNCT
fsr-3429	617	8	question	question	NOUN
fsr-3429	617	9	source	source	NOUN
fsr-3429	617	10	bond	bond	NOUN
fsr-3429	617	11	principles	principle	NOUN
fsr-3429	617	12	q21	q21	NOUN
fsr-3429	617	13	true	true	ADJ
fsr-3429	617	14	or	or	CCONJ
fsr-3429	617	15	false	false	ADJ
fsr-3429	617	16	?	?	PUNCT
fsr-3429	618	1	if	if	SCONJ
fsr-3429	618	2	you	you	PRON
fsr-3429	618	3	buy	buy	VERB
fsr-3429	618	4	a	a	DET
fsr-3429	618	5	10	10	NUM
fsr-3429	618	6	-	-	PUNCT
fsr-3429	618	7	year	year	NOUN
fsr-3429	618	8	bond	bond	NOUN
fsr-3429	618	9	,	,	PUNCT
fsr-3429	618	10	it	it	PRON
fsr-3429	618	11	means	mean	VERB
fsr-3429	618	12	you	you	PRON
fsr-3429	618	13	can	can	AUX
fsr-3429	618	14	not	not	PART
fsr-3429	618	15	sell	sell	VERB
fsr-3429	618	16	it	it	PRON
fsr-3429	618	17	after	after	ADP
fsr-3429	618	18	five	five	NUM
fsr-3429	618	19	years	year	NOUN
fsr-3429	618	20	without	without	ADP
fsr-3429	618	21	incurring	incur	VERB
fsr-3429	618	22	a	a	DET
fsr-3429	618	23	major	major	ADJ
fsr-3429	618	24	penalty	penalty	NOUN
fsr-3429	618	25	.	.	PUNCT
fsr-3429	619	1	h	h	NOUN
fsr-3429	619	2	true	true	ADJ
fsr-3429	619	3	h	h	PROPN
fsr-3429	619	4	false	false	ADJ
fsr-3429	619	5	h	h	NOUN
fsr-3429	619	6	do	do	AUX
fsr-3429	619	7	not	not	PART
fsr-3429	619	8	know	know	VERB
fsr-3429	619	9	van	van	NOUN
fsr-3429	619	10	rooij	rooij	NOUN
fsr-3429	619	11	et	et	PROPN
fsr-3429	619	12	al	al	PROPN
fsr-3429	619	13	.	.	PROPN
fsr-3429	620	1	(	(	PUNCT
fsr-3429	620	2	2011	2011	NUM
fsr-3429	620	3	)	)	PUNCT
fsr-3429	620	4	q22	q22	NOUN
fsr-3429	620	5	true	true	ADJ
fsr-3429	620	6	or	or	CCONJ
fsr-3429	620	7	false	false	ADJ
fsr-3429	620	8	?	?	PUNCT
fsr-3429	621	1	equity	equity	NOUN
fsr-3429	621	2	/	/	SYM
fsr-3429	621	3	shares	share	NOUN
fsr-3429	621	4	are	be	AUX
fsr-3429	621	5	normally	normally	ADV
fsr-3429	621	6	riskier	risky	ADJ
fsr-3429	621	7	than	than	ADP
fsr-3429	621	8	bonds	bond	NOUN
fsr-3429	621	9	.	.	PUNCT
fsr-3429	622	1	h	h	NOUN
fsr-3429	622	2	true	true	ADJ
fsr-3429	622	3	h	h	PROPN
fsr-3429	622	4	false	false	ADJ
fsr-3429	622	5	h	h	NOUN
fsr-3429	622	6	do	do	AUX
fsr-3429	622	7	not	not	PART
fsr-3429	622	8	know	know	VERB
fsr-3429	622	9	lusardi	lusardi	NOUN
fsr-3429	622	10	and	and	CCONJ
fsr-3429	622	11	mitchell	mitchell	PROPN
fsr-3429	622	12	(	(	PUNCT
fsr-3429	622	13	2017	2017	NUM
fsr-3429	622	14	)	)	PUNCT
fsr-3429	622	15	,	,	PUNCT
fsr-3429	622	16	multiple	multiple	ADJ
fsr-3429	622	17	terms	term	NOUN
fsr-3429	622	18	for	for	ADP
fsr-3429	622	19	equity	equity	NOUN
fsr-3429	622	20	given	give	VERB
fsr-3429	622	21	to	to	PART
fsr-3429	622	22	ensure	ensure	VERB
fsr-3429	622	23	clarity	clarity	NOUN
fsr-3429	622	24	.	.	PUNCT
fsr-3429	623	1	q23	q23	PRON
fsr-3429	623	2	true	true	ADJ
fsr-3429	623	3	or	or	CCONJ
fsr-3429	623	4	false	false	ADJ
fsr-3429	623	5	?	?	PUNCT
fsr-3429	624	1	buying	buy	VERB
fsr-3429	624	2	a	a	DET
fsr-3429	624	3	share	share	NOUN
fsr-3429	624	4	of	of	ADP
fsr-3429	624	5	a	a	DET
fsr-3429	624	6	consumer	consumer	NOUN
fsr-3429	624	7	company	company	NOUN
fsr-3429	624	8	usually	usually	ADV
fsr-3429	624	9	provides	provide	VERB
fsr-3429	624	10	a	a	DET
fsr-3429	624	11	safer	safe	ADJ
fsr-3429	624	12	return	return	NOUN
fsr-3429	624	13	than	than	ADP
fsr-3429	624	14	a	a	DET
fsr-3429	624	15	general	general	ADJ
fsr-3429	624	16	equity	equity	NOUN
fsr-3429	624	17	unit	unit	PROPN
fsr-3429	624	18	trust	trust	PROPN
fsr-3429	624	19	.	.	PUNCT
fsr-3429	625	1	h	h	PROPN
fsr-3429	625	2	true	true	ADJ
fsr-3429	625	3	h	h	PROPN
fsr-3429	625	4	false	false	ADJ
fsr-3429	625	5	h	h	NOUN
fsr-3429	625	6	do	do	AUX
fsr-3429	625	7	not	not	PART
fsr-3429	625	8	know	know	VERB
fsr-3429	625	9	lusardi	lusardi	NOUN
fsr-3429	625	10	and	and	CCONJ
fsr-3429	625	11	mitchell	mitchell	PROPN
fsr-3429	625	12	(	(	PUNCT
fsr-3429	625	13	2017	2017	NUM
fsr-3429	625	14	)	)	PUNCT
fsr-3429	625	15	,	,	PUNCT
fsr-3429	625	16	“	"	PUNCT
fsr-3429	625	17	mutual	mutual	ADJ
fsr-3429	625	18	fund	fund	NOUN
fsr-3429	625	19	”	"	PUNCT
fsr-3429	625	20	(	(	PUNCT
fsr-3429	625	21	american	american	ADJ
fsr-3429	625	22	terminology	terminology	NOUN
fsr-3429	625	23	)	)	PUNCT
fsr-3429	625	24	replaced	replace	VERB
fsr-3429	625	25	with	with	ADP
fsr-3429	625	26	“	"	PUNCT
fsr-3429	625	27	unit	unit	NOUN
fsr-3429	625	28	trust	trust	NOUN
fsr-3429	625	29	”	"	PUNCT
fsr-3429	625	30	(	(	PUNCT
fsr-3429	625	31	south	south	ADJ
fsr-3429	625	32	african	african	ADJ
fsr-3429	625	33	terminology	terminology	NOUN
fsr-3429	625	34	)	)	PUNCT
fsr-3429	625	35	.	.	PUNCT
fsr-3429	626	1	q24	q24	NOUN
fsr-3429	626	2	if	if	SCONJ
fsr-3429	626	3	the	the	DET
fsr-3429	626	4	interest	interest	NOUN
fsr-3429	626	5	rate	rate	NOUN
fsr-3429	626	6	rises	rise	NOUN
fsr-3429	626	7	,	,	PUNCT
fsr-3429	626	8	what	what	PRON
fsr-3429	626	9	should	should	AUX
fsr-3429	626	10	happen	happen	VERB
fsr-3429	626	11	to	to	PART
fsr-3429	626	12	bond	bond	NOUN
fsr-3429	626	13	prices	price	NOUN
fsr-3429	626	14	?	?	PUNCT
fsr-3429	627	1	h	h	NOUN
fsr-3429	627	2	rise	rise	NOUN
fsr-3429	627	3	h	h	NOUN
fsr-3429	627	4	fall	fall	NOUN
fsr-3429	628	1	h	h	NOUN
fsr-3429	628	2	stay	stay	VERB
fsr-3429	628	3	the	the	DET
fsr-3429	628	4	same	same	ADJ
fsr-3429	628	5	h	h	NOUN
fsr-3429	628	6	none	none	NOUN
fsr-3429	628	7	of	of	ADP
fsr-3429	628	8	the	the	DET
fsr-3429	628	9	above	above	ADJ
fsr-3429	628	10	h	h	NOUN
fsr-3429	628	11	do	do	AUX
fsr-3429	628	12	not	not	PART
fsr-3429	628	13	know	know	VERB
fsr-3429	628	14	lusardi	lusardi	NOUN
fsr-3429	628	15	and	and	CCONJ
fsr-3429	628	16	mitchell	mitchell	PROPN
fsr-3429	628	17	(	(	PUNCT
fsr-3429	628	18	2017	2017	NUM
fsr-3429	628	19	)	)	PUNCT
fsr-3429	628	20	268	268	NUM
fsr-3429	628	21	g.d	g.d	NOUN
fsr-3429	628	22	.	.	PROPN
fsr-3429	628	23	willows	willows	PROPN
fsr-3429	628	24	/	/	SYM
fsr-3429	628	25	financial	financial	ADJ
fsr-3429	628	26	services	service	NOUN
fsr-3429	628	27	review	review	VERB
fsr-3429	628	28	28	28	NUM
fsr-3429	628	29	(	(	PUNCT
fsr-3429	628	30	2020	2020	NUM
fsr-3429	628	31	)	)	PUNCT
fsr-3429	629	1	243–271	243–271	NUM
fsr-3429	629	2	appendix	appendix	NOUN
fsr-3429	629	3	c	c	NOUN
fsr-3429	629	4	financial	financial	ADJ
fsr-3429	629	5	behavior	behavior	NOUN
fsr-3429	629	6	and	and	CCONJ
fsr-3429	629	7	attitude	attitude	NOUN
fsr-3429	629	8	questions	question	NOUN
fsr-3429	629	9	:	:	PUNCT
fsr-3429	629	10	for	for	ADP
fsr-3429	629	11	each	each	DET
fsr-3429	629	12	statement	statement	NOUN
fsr-3429	629	13	,	,	PUNCT
fsr-3429	629	14	circle	circle	VERB
fsr-3429	629	15	your	your	PRON
fsr-3429	629	16	answer	answer	NOUN
fsr-3429	629	17	(	(	PUNCT
fsr-3429	629	18	or	or	CCONJ
fsr-3429	629	19	use	use	VERB
fsr-3429	629	20	the	the	DET
fsr-3429	629	21	slider	slider	NOUN
fsr-3429	629	22	)	)	PUNCT
fsr-3429	629	23	on	on	ADP
fsr-3429	629	24	a	a	DET
fsr-3429	629	25	scale	scale	NOUN
fsr-3429	629	26	from	from	ADP
fsr-3429	629	27	1	1	NUM
fsr-3429	629	28	to	to	ADP
fsr-3429	629	29	5	5	NUM
fsr-3429	629	30	,	,	PUNCT
fsr-3429	629	31	where	where	SCONJ
fsr-3429	629	32	1	1	NUM
fsr-3429	629	33	means	mean	VERB
fsr-3429	629	34	“	"	PUNCT
fsr-3429	629	35	never	never	ADV
fsr-3429	629	36	”	"	PUNCT
fsr-3429	629	37	and	and	CCONJ
fsr-3429	629	38	5	5	NUM
fsr-3429	629	39	means	mean	VERB
fsr-3429	629	40	“	"	PUNCT
fsr-3429	629	41	always	always	ADV
fsr-3429	629	42	”	"	PUNCT
fsr-3429	629	43	.	.	PUNCT
fsr-3429	630	1	(	(	PUNCT
fsr-3429	630	2	source	source	NOUN
fsr-3429	630	3	:	:	PUNCT
fsr-3429	630	4	atkinson	atkinson	PROPN
fsr-3429	630	5	&	&	CCONJ
fsr-3429	630	6	messy	messy	PROPN
fsr-3429	630	7	,	,	PUNCT
fsr-3429	630	8	2012	2012	NUM
fsr-3429	630	9	)	)	PUNCT
fsr-3429	630	10	statement	statement	NOUN
fsr-3429	630	11	never	never	ADV
fsr-3429	630	12	always	always	ADV
fsr-3429	630	13	before	before	SCONJ
fsr-3429	630	14	i	i	PRON
fsr-3429	630	15	buy	buy	VERB
fsr-3429	630	16	something	something	PRON
fsr-3429	630	17	i	i	PRON
fsr-3429	630	18	carefully	carefully	ADV
fsr-3429	630	19	consider	consider	VERB
fsr-3429	630	20	whether	whether	SCONJ
fsr-3429	630	21	i	i	PRON
fsr-3429	630	22	can	can	AUX
fsr-3429	630	23	afford	afford	VERB
fsr-3429	630	24	it	it	PRON
fsr-3429	630	25	1	1	NUM
fsr-3429	630	26	2	2	NUM
fsr-3429	630	27	3	3	NUM
fsr-3429	630	28	4	4	NUM
fsr-3429	630	29	5	5	NUM
fsr-3429	630	30	i	i	PRON
fsr-3429	630	31	pay	pay	VERB
fsr-3429	630	32	my	my	PRON
fsr-3429	630	33	bills	bill	NOUN
fsr-3429	630	34	on	on	ADP
fsr-3429	630	35	time	time	NOUN
fsr-3429	630	36	1	1	NUM
fsr-3429	630	37	2	2	NUM
fsr-3429	630	38	3	3	NUM
fsr-3429	630	39	4	4	NUM
fsr-3429	630	40	5	5	NUM
fsr-3429	630	41	i	i	PRON
fsr-3429	630	42	keep	keep	VERB
fsr-3429	630	43	a	a	DET
fsr-3429	630	44	close	close	ADJ
fsr-3429	630	45	personal	personal	ADJ
fsr-3429	630	46	watch	watch	NOUN
fsr-3429	630	47	on	on	ADP
fsr-3429	630	48	my	my	PRON
fsr-3429	630	49	financial	financial	ADJ
fsr-3429	630	50	affairs	affair	NOUN
fsr-3429	630	51	1	1	NUM
fsr-3429	630	52	2	2	NUM
fsr-3429	630	53	3	3	NUM
fsr-3429	630	54	4	4	NUM
fsr-3429	630	55	5	5	NUM
fsr-3429	630	56	i	i	PRON
fsr-3429	630	57	set	set	VERB
fsr-3429	630	58	long	long	ADJ
fsr-3429	630	59	term	term	NOUN
fsr-3429	630	60	financial	financial	ADJ
fsr-3429	630	61	goals	goal	NOUN
fsr-3429	630	62	and	and	CCONJ
fsr-3429	630	63	strive	strive	VERB
fsr-3429	630	64	to	to	PART
fsr-3429	630	65	achieve	achieve	VERB
fsr-3429	630	66	them	they	PRON
fsr-3429	630	67	1	1	NUM
fsr-3429	630	68	2	2	NUM
fsr-3429	630	69	3	3	NUM
fsr-3429	630	70	4	4	NUM
fsr-3429	630	71	5	5	NUM
fsr-3429	630	72	i	i	PRON
fsr-3429	630	73	’m	’m	VERB
fsr-3429	630	74	personally	personally	ADV
fsr-3429	630	75	(	(	PUNCT
fsr-3429	630	76	or	or	CCONJ
fsr-3429	630	77	jointly	jointly	ADV
fsr-3429	630	78	)	)	PUNCT
fsr-3429	630	79	responsible	responsible	ADJ
fsr-3429	630	80	for	for	ADP
fsr-3429	630	81	day	day	NOUN
fsr-3429	630	82	to	to	ADP
fsr-3429	630	83	day	day	NOUN
fsr-3429	630	84	money	money	NOUN
fsr-3429	630	85	management	management	NOUN
fsr-3429	630	86	decisions	decision	NOUN
fsr-3429	630	87	in	in	ADP
fsr-3429	630	88	my	my	PRON
fsr-3429	630	89	household	household	NOUN
fsr-3429	630	90	1	1	NUM
fsr-3429	630	91	2	2	NUM
fsr-3429	630	92	3	3	NUM
fsr-3429	630	93	4	4	NUM
fsr-3429	630	94	5	5	NUM
fsr-3429	630	95	i	i	PRON
fsr-3429	630	96	live	live	VERB
fsr-3429	630	97	in	in	ADP
fsr-3429	630	98	a	a	DET
fsr-3429	630	99	household	household	NOUN
fsr-3429	630	100	with	with	ADP
fsr-3429	630	101	a	a	DET
fsr-3429	630	102	budget	budget	NOUN
fsr-3429	630	103	1	1	NUM
fsr-3429	630	104	2	2	NUM
fsr-3429	630	105	3	3	NUM
fsr-3429	630	106	4	4	NUM
fsr-3429	630	107	5	5	NUM
fsr-3429	630	108	i	i	PRON
fsr-3429	630	109	borrow	borrow	VERB
fsr-3429	630	110	money	money	NOUN
fsr-3429	630	111	to	to	PART
fsr-3429	630	112	make	make	VERB
fsr-3429	630	113	ends	end	NOUN
fsr-3429	630	114	meet	meet	VERB
fsr-3429	630	115	1	1	NUM
fsr-3429	630	116	2	2	NUM
fsr-3429	630	117	3	3	NUM
fsr-3429	630	118	4	4	NUM
fsr-3429	630	119	5	5	NUM
fsr-3429	630	120	i	i	PRON
fsr-3429	630	121	find	find	VERB
fsr-3429	630	122	it	it	PRON
fsr-3429	630	123	more	more	ADV
fsr-3429	630	124	satisfying	satisfying	ADJ
fsr-3429	630	125	to	to	PART
fsr-3429	630	126	spend	spend	VERB
fsr-3429	630	127	money	money	NOUN
fsr-3429	630	128	than	than	SCONJ
fsr-3429	630	129	to	to	PART
fsr-3429	630	130	save	save	VERB
fsr-3429	630	131	it	it	PRON
fsr-3429	630	132	for	for	ADP
fsr-3429	630	133	the	the	DET
fsr-3429	630	134	long	long	ADJ
fsr-3429	630	135	term	term	NOUN
fsr-3429	630	136	1	1	NUM
fsr-3429	630	137	2	2	NUM
fsr-3429	630	138	3	3	NUM
fsr-3429	630	139	4	4	NUM
fsr-3429	630	140	5	5	NUM
fsr-3429	630	141	i	i	PRON
fsr-3429	630	142	tend	tend	VERB
fsr-3429	630	143	to	to	PART
fsr-3429	630	144	live	live	VERB
fsr-3429	630	145	for	for	ADP
fsr-3429	630	146	today	today	NOUN
fsr-3429	630	147	and	and	CCONJ
fsr-3429	630	148	let	let	VERB
fsr-3429	630	149	tomorrow	tomorrow	NOUN
fsr-3429	630	150	take	take	VERB
fsr-3429	630	151	care	care	NOUN
fsr-3429	630	152	of	of	ADP
fsr-3429	630	153	itself	itself	PRON
fsr-3429	630	154	1	1	NUM
fsr-3429	630	155	2	2	NUM
fsr-3429	630	156	3	3	NUM
fsr-3429	630	157	4	4	NUM
fsr-3429	630	158	5	5	NUM
fsr-3429	630	159	money	money	NOUN
fsr-3429	630	160	is	be	AUX
fsr-3429	630	161	there	there	ADV
fsr-3429	630	162	to	to	PART
fsr-3429	630	163	be	be	AUX
fsr-3429	630	164	spent	spend	VERB
fsr-3429	630	165	1	1	NUM
fsr-3429	630	166	2	2	NUM
fsr-3429	630	167	3	3	NUM
fsr-3429	630	168	4	4	NUM
fsr-3429	630	169	5	5	NUM
fsr-3429	630	170	appendix	appendix	NOUN
fsr-3429	630	171	d	d	PROPN
fsr-3429	630	172	instrumental	instrumental	ADJ
fsr-3429	630	173	variable	variable	NOUN
fsr-3429	630	174	:	:	PUNCT
fsr-3429	630	175	instrumental	instrumental	ADJ
fsr-3429	630	176	variable	variable	ADJ
fsr-3429	630	177	probit	probit	NOUN
fsr-3429	630	178	of	of	ADP
fsr-3429	630	179	thinking	think	VERB
fsr-3429	630	180	about	about	ADP
fsr-3429	630	181	retirement1	retirement1	NOUN
fsr-3429	630	182	only	only	ADV
fsr-3429	630	183	a	a	DET
fsr-3429	630	184	little	little	ADJ
fsr-3429	630	185	some	some	DET
fsr-3429	630	186	a	a	DET
fsr-3429	630	187	lot	lot	NOUN
fsr-3429	630	188	financial	financial	ADJ
fsr-3429	630	189	literacy	literacy	NOUN
fsr-3429	630	190	financial	financial	ADJ
fsr-3429	630	191	literacy	literacy	NOUN
fsr-3429	630	192	0.099	0.099	NUM
fsr-3429	630	193	*	*	PUNCT
fsr-3429	630	194	*	*	PUNCT
fsr-3429	630	195	(	(	PUNCT
fsr-3429	630	196	0.044	0.044	NUM
fsr-3429	630	197	)	)	PUNCT
fsr-3429	630	198	0.142	0.142	NUM
fsr-3429	630	199	*	*	PUNCT
fsr-3429	630	200	*	*	PUNCT
fsr-3429	630	201	*	*	PUNCT
fsr-3429	630	202	(	(	PUNCT
fsr-3429	630	203	0.041	0.041	NUM
fsr-3429	630	204	)	)	PUNCT
fsr-3429	630	205	0.098	0.098	NUM
fsr-3429	630	206	*	*	PUNCT
fsr-3429	631	1	*	*	PUNCT
fsr-3429	631	2	(	(	PUNCT
fsr-3429	631	3	0.041	0.041	NUM
fsr-3429	631	4	)	)	PUNCT
fsr-3429	631	5	age	age	NOUN
fsr-3429	631	6	0.006	0.006	NUM
fsr-3429	631	7	(	(	PUNCT
fsr-3429	631	8	0.014	0.014	NUM
fsr-3429	631	9	)	)	PUNCT
fsr-3429	631	10	0.0320	0.0320	NUM
fsr-3429	631	11	*	*	NOUN
fsr-3429	631	12	*	*	PUNCT
fsr-3429	631	13	(	(	PUNCT
fsr-3429	631	14	0.013	0.013	NUM
fsr-3429	631	15	)	)	PUNCT
fsr-3429	631	16	0.071	0.071	NUM
fsr-3429	631	17	*	*	PUNCT
fsr-3429	631	18	*	*	PUNCT
fsr-3429	631	19	*	*	PUNCT
fsr-3429	631	20	(	(	PUNCT
fsr-3429	631	21	0.013	0.013	NUM
fsr-3429	631	22	)	)	PUNCT
fsr-3429	631	23	0.025	0.025	NUM
fsr-3429	631	24	(	(	PUNCT
fsr-3429	631	25	0.027	0.027	NUM
fsr-3429	631	26	)	)	PUNCT
fsr-3429	631	27	marital	marital	ADJ
fsr-3429	631	28	status	status	NOUN
fsr-3429	631	29	�	�	PROPN
fsr-3429	631	30	0.188	0.188	NUM
fsr-3429	631	31	(	(	PUNCT
fsr-3429	631	32	0.264	0.264	NOUN
fsr-3429	631	33	)	)	PUNCT
fsr-3429	631	34	�	�	PROPN
fsr-3429	631	35	0.022	0.022	NUM
fsr-3429	631	36	(	(	PUNCT
fsr-3429	631	37	0.252	0.252	NUM
fsr-3429	631	38	)	)	PUNCT
fsr-3429	631	39	0.015	0.015	NUM
fsr-3429	631	40	(	(	PUNCT
fsr-3429	631	41	0.256	0.256	NUM
fsr-3429	631	42	)	)	PUNCT
fsr-3429	631	43	�	�	PROPN
fsr-3429	631	44	0.062	0.062	NUM
fsr-3429	631	45	(	(	PUNCT
fsr-3429	631	46	0.559	0.559	NUM
fsr-3429	631	47	)	)	PUNCT
fsr-3429	631	48	dependents	dependent	NOUN
fsr-3429	631	49	0.546	0.546	NUM
fsr-3429	631	50	*	*	SYM
fsr-3429	631	51	(	(	PUNCT
fsr-3429	631	52	0.305	0.305	NUM
fsr-3429	631	53	)	)	PUNCT
fsr-3429	631	54	0.198	0.198	NUM
fsr-3429	631	55	(	(	PUNCT
fsr-3429	631	56	0.284	0.284	NUM
fsr-3429	631	57	)	)	PUNCT
fsr-3429	631	58	0.341	0.341	NUM
fsr-3429	631	59	(	(	PUNCT
fsr-3429	631	60	0.289	0.289	NUM
fsr-3429	631	61	)	)	PUNCT
fsr-3429	631	62	�	�	PROPN
fsr-3429	631	63	0.001	0.001	NUM
fsr-3429	631	64	(	(	PUNCT
fsr-3429	631	65	0.582	0.582	NUM
fsr-3429	631	66	)	)	PUNCT
fsr-3429	631	67	gender	gender	NOUN
fsr-3429	631	68	:	:	PUNCT
fsr-3429	631	69	male	male	NOUN
fsr-3429	631	70	�	�	PROPN
fsr-3429	631	71	0.514	0.514	NUM
fsr-3429	631	72	*	*	SYM
fsr-3429	631	73	(	(	PUNCT
fsr-3429	631	74	0.284	0.284	NUM
fsr-3429	631	75	)	)	PUNCT
fsr-3429	631	76	�	�	NOUN
fsr-3429	631	77	0.609	0.609	NUM
fsr-3429	631	78	*	*	NOUN
fsr-3429	631	79	*	*	PUNCT
fsr-3429	631	80	(	(	PUNCT
fsr-3429	631	81	0.267	0.267	NUM
fsr-3429	631	82	)	)	PUNCT
fsr-3429	631	83	�	�	NOUN
fsr-3429	631	84	0.487	0.487	NUM
fsr-3429	631	85	*	*	PUNCT
fsr-3429	631	86	(	(	PUNCT
fsr-3429	631	87	0.270	0.270	NUM
fsr-3429	631	88	)	)	PUNCT
fsr-3429	631	89	2.980	2.980	NUM
fsr-3429	631	90	*	*	PUNCT
fsr-3429	632	1	*	*	PUNCT
fsr-3429	632	2	*	*	PUNCT
fsr-3429	632	3	(	(	PUNCT
fsr-3429	632	4	0.535	0.535	NUM
fsr-3429	632	5	)	)	PUNCT
fsr-3429	632	6	race	race	NOUN
fsr-3429	632	7	:	:	PUNCT
fsr-3429	632	8	colored	color	VERB
fsr-3429	632	9	0.369	0.369	NUM
fsr-3429	632	10	(	(	PUNCT
fsr-3429	632	11	0.436	0.436	NUM
fsr-3429	632	12	)	)	PUNCT
fsr-3429	632	13	0.081	0.081	NUM
fsr-3429	632	14	(	(	PUNCT
fsr-3429	632	15	0.418	0.418	NUM
fsr-3429	632	16	)	)	PUNCT
fsr-3429	632	17	0.195	0.195	NUM
fsr-3429	632	18	(	(	PUNCT
fsr-3429	632	19	0.414	0.414	NUM
fsr-3429	632	20	)	)	PUNCT
fsr-3429	632	21	�	�	NOUN
fsr-3429	632	22	4.589	4.589	NUM
fsr-3429	632	23	*	*	PUNCT
fsr-3429	633	1	*	*	PUNCT
fsr-3429	633	2	*	*	PUNCT
fsr-3429	633	3	(	(	PUNCT
fsr-3429	633	4	0.670	0.670	NUM
fsr-3429	633	5	)	)	PUNCT
fsr-3429	633	6	race	race	NOUN
fsr-3429	633	7	:	:	PUNCT
fsr-3429	633	8	african	african	ADJ
fsr-3429	633	9	0.873	0.873	NUM
fsr-3429	633	10	(	(	PUNCT
fsr-3429	633	11	0.592	0.592	NUM
fsr-3429	633	12	)	)	PUNCT
fsr-3429	633	13	0.167	0.167	NUM
fsr-3429	633	14	(	(	PUNCT
fsr-3429	633	15	0.585	0.585	NUM
fsr-3429	633	16	)	)	PUNCT
fsr-3429	633	17	0.535	0.535	NUM
fsr-3429	633	18	(	(	PUNCT
fsr-3429	633	19	0.569	0.569	NUM
fsr-3429	633	20	)	)	PUNCT
fsr-3429	633	21	�	�	PROPN
fsr-3429	633	22	6.687	6.687	NUM
fsr-3429	633	23	*	*	PUNCT
fsr-3429	633	24	*	*	PUNCT
fsr-3429	633	25	*	*	PUNCT
fsr-3429	633	26	(	(	PUNCT
fsr-3429	633	27	0.985	0.985	NUM
fsr-3429	633	28	)	)	PUNCT
fsr-3429	633	29	race	race	NOUN
fsr-3429	633	30	:	:	PUNCT
fsr-3429	633	31	indian	indian	PROPN
fsr-3429	633	32	4.900	4.900	NUM
fsr-3429	633	33	(	(	PUNCT
fsr-3429	633	34	245.6	245.6	NUM
fsr-3429	633	35	)	)	PUNCT
fsr-3429	633	36	4.800	4.800	NUM
fsr-3429	633	37	(	(	PUNCT
fsr-3429	633	38	245.6	245.6	NUM
fsr-3429	633	39	)	)	PUNCT
fsr-3429	633	40	4.913	4.913	NUM
fsr-3429	633	41	(	(	PUNCT
fsr-3429	633	42	245.6	245.6	NUM
fsr-3429	633	43	)	)	PUNCT
fsr-3429	633	44	�	�	PROPN
fsr-3429	633	45	3.406	3.406	NUM
fsr-3429	633	46	*	*	NOUN
fsr-3429	633	47	*	*	PUNCT
fsr-3429	633	48	(	(	PUNCT
fsr-3429	633	49	1.191	1.191	NUM
fsr-3429	633	50	)	)	PUNCT
fsr-3429	633	51	race	race	NOUN
fsr-3429	633	52	:	:	PUNCT
fsr-3429	633	53	other	other	ADJ
fsr-3429	633	54	3.860	3.860	NUM
fsr-3429	633	55	(	(	PUNCT
fsr-3429	633	56	736.8	736.8	NUM
fsr-3429	633	57	)	)	PUNCT
fsr-3429	633	58	3.939	3.939	NUM
fsr-3429	633	59	(	(	PUNCT
fsr-3429	633	60	736.8	736.8	NUM
fsr-3429	633	61	)	)	PUNCT
fsr-3429	633	62	3.654	3.654	NUM
fsr-3429	633	63	(	(	PUNCT
fsr-3429	633	64	736.8	736.8	NUM
fsr-3429	633	65	)	)	PUNCT
fsr-3429	633	66	�	�	PROPN
fsr-3429	633	67	1.657	1.657	NUM
fsr-3429	633	68	(	(	PUNCT
fsr-3429	633	69	2.414	2.414	NUM
fsr-3429	633	70	)	)	PUNCT
fsr-3429	633	71	log	log	PROPN
fsr-3429	633	72	coe	coe	PROPN
fsr-3429	633	73	0.143	0.143	PROPN
fsr-3429	633	74	(	(	PUNCT
fsr-3429	633	75	0.447	0.447	NUM
fsr-3429	633	76	)	)	PUNCT
fsr-3429	633	77	�	�	PROPN
fsr-3429	633	78	0.064	0.064	NUM
fsr-3429	633	79	(	(	PUNCT
fsr-3429	633	80	0.427	0.427	NUM
fsr-3429	633	81	)	)	PUNCT
fsr-3429	633	82	0.149	0.149	NUM
fsr-3429	633	83	(	(	PUNCT
fsr-3429	633	84	0.426	0.426	NUM
fsr-3429	633	85	)	)	PUNCT
fsr-3429	633	86	5.015	5.015	NUM
fsr-3429	633	87	*	*	PUNCT
fsr-3429	633	88	*	*	PUNCT
fsr-3429	633	89	*	*	PUNCT
fsr-3429	633	90	(	(	PUNCT
fsr-3429	633	91	0.644	0.644	NUM
fsr-3429	633	92	)	)	PUNCT
fsr-3429	633	93	qualification	qualification	NOUN
fsr-3429	633	94	:	:	PUNCT
fsr-3429	633	95	less	less	ADJ
fsr-3429	633	96	than	than	ADP
fsr-3429	633	97	high	high	ADJ
fsr-3429	633	98	school	school	NOUN
fsr-3429	633	99	1.072	1.072	NUM
fsr-3429	633	100	*	*	SYM
fsr-3429	633	101	(	(	PUNCT
fsr-3429	633	102	0.562	0.562	NUM
fsr-3429	633	103	)	)	PUNCT
fsr-3429	633	104	1.006	1.006	NUM
fsr-3429	633	105	*	*	PUNCT
fsr-3429	633	106	(	(	PUNCT
fsr-3429	633	107	0.556	0.556	NUM
fsr-3429	633	108	)	)	PUNCT
fsr-3429	633	109	1.131	1.131	NUM
fsr-3429	633	110	*	*	NOUN
fsr-3429	633	111	*	*	PUNCT
fsr-3429	633	112	(	(	PUNCT
fsr-3429	633	113	0.545	0.545	NUM
fsr-3429	633	114	)	)	PUNCT
fsr-3429	633	115	8.243	8.243	NUM
fsr-3429	633	116	(	(	PUNCT
fsr-3429	633	117	6.791	6.791	NUM
fsr-3429	633	118	)	)	PUNCT
fsr-3429	633	119	qualification	qualification	NOUN
fsr-3429	633	120	:	:	PUNCT
fsr-3429	633	121	higher	high	ADJ
fsr-3429	633	122	certificate	certificate	NOUN
fsr-3429	633	123	/	/	SYM
fsr-3429	633	124	diploma	diploma	NOUN
fsr-3429	633	125	0.766	0.766	NUM
fsr-3429	633	126	(	(	PUNCT
fsr-3429	633	127	0.516	0.516	NUM
fsr-3429	633	128	)	)	PUNCT
fsr-3429	633	129	0.605	0.605	NUM
fsr-3429	633	130	(	(	PUNCT
fsr-3429	633	131	0.492	0.492	NUM
fsr-3429	633	132	)	)	PUNCT
fsr-3429	633	133	0.548	0.548	NUM
fsr-3429	633	134	(	(	PUNCT
fsr-3429	633	135	0.491	0.491	NUM
fsr-3429	633	136	)	)	PUNCT
fsr-3429	633	137	7.789	7.789	NUM
fsr-3429	633	138	(	(	PUNCT
fsr-3429	633	139	6.804	6.804	NUM
fsr-3429	633	140	)	)	PUNCT
fsr-3429	633	141	qualification	qualification	NOUN
fsr-3429	633	142	:	:	PUNCT
fsr-3429	633	143	college	college	NOUN
fsr-3429	633	144	0.445	0.445	NUM
fsr-3429	633	145	(	(	PUNCT
fsr-3429	633	146	0.409	0.409	NUM
fsr-3429	633	147	)	)	PUNCT
fsr-3429	633	148	0.397	0.397	NUM
fsr-3429	633	149	(	(	PUNCT
fsr-3429	633	150	0.390	0.390	NUM
fsr-3429	633	151	)	)	PUNCT
fsr-3429	633	152	0.340	0.340	NUM
fsr-3429	633	153	(	(	PUNCT
fsr-3429	633	154	0.384	0.384	NUM
fsr-3429	633	155	)	)	PUNCT
fsr-3429	633	156	7.604	7.604	NUM
fsr-3429	633	157	(	(	PUNCT
fsr-3429	633	158	6.790	6.790	NUM
fsr-3429	633	159	)	)	PUNCT
fsr-3429	633	160	qualification	qualification	NOUN
fsr-3429	633	161	:	:	PUNCT
fsr-3429	633	162	post	post	ADJ
fsr-3429	633	163	-	-	ADJ
fsr-3429	633	164	graduate	graduate	ADJ
fsr-3429	633	165	0.213	0.213	NUM
fsr-3429	633	166	(	(	PUNCT
fsr-3429	633	167	0.471	0.471	NUM
fsr-3429	633	168	)	)	PUNCT
fsr-3429	633	169	0.0238	0.0238	NUM
fsr-3429	633	170	(	(	PUNCT
fsr-3429	633	171	0.455	0.455	NUM
fsr-3429	633	172	)	)	PUNCT
fsr-3429	633	173	�	�	NOUN
fsr-3429	633	174	0.025	0.025	NUM
fsr-3429	633	175	(	(	PUNCT
fsr-3429	633	176	0.450	0.450	NUM
fsr-3429	633	177	)	)	PUNCT
fsr-3429	633	178	9.892	9.892	NUM
fsr-3429	633	179	(	(	PUNCT
fsr-3429	633	180	6.813	6.813	NUM
fsr-3429	633	181	)	)	PUNCT
fsr-3429	633	182	qualification	qualification	NOUN
fsr-3429	633	183	:	:	PUNCT
fsr-3429	633	184	unknown	unknown	ADJ
fsr-3429	633	185	6.446	6.446	NUM
fsr-3429	633	186	(	(	PUNCT
fsr-3429	633	187	6.780	6.780	NUM
fsr-3429	633	188	)	)	PUNCT
fsr-3429	633	189	accounting	accounting	NOUN
fsr-3429	633	190	and	and	CCONJ
fsr-3429	633	191	economics	economic	NOUN
fsr-3429	633	192	score	score	VERB
fsr-3429	633	193	3.506	3.506	NUM
fsr-3429	633	194	*	*	PUNCT
fsr-3429	633	195	*	*	PUNCT
fsr-3429	633	196	*	*	PUNCT
fsr-3429	633	197	(	(	PUNCT
fsr-3429	633	198	0.404	0.404	NUM
fsr-3429	633	199	)	)	PUNCT
fsr-3429	633	200	constant	constant	ADJ
fsr-3429	633	201	�	�	PROPN
fsr-3429	633	202	6.847	6.847	NUM
fsr-3429	633	203	(	(	PUNCT
fsr-3429	633	204	4.359	4.359	NUM
fsr-3429	633	205	)	)	PUNCT
fsr-3429	633	206	�	�	PROPN
fsr-3429	633	207	6.363	6.363	NUM
fsr-3429	633	208	(	(	PUNCT
fsr-3429	633	209	4.195	4.195	NUM
fsr-3429	633	210	)	)	PUNCT
fsr-3429	633	211	�	�	PROPN
fsr-3429	633	212	9.004	9.004	NUM
fsr-3429	633	213	*	*	SYM
fsr-3429	633	214	*	*	PUNCT
fsr-3429	633	215	(	(	PUNCT
fsr-3429	633	216	4.194	4.194	NUM
fsr-3429	633	217	)	)	PUNCT
fsr-3429	633	218	�	�	PROPN
fsr-3429	633	219	25.52	25.52	NUM
fsr-3429	633	220	*	*	PUNCT
fsr-3429	633	221	*	*	PUNCT
fsr-3429	633	222	(	(	PUNCT
fsr-3429	633	223	10.09	10.09	NUM
fsr-3429	633	224	)	)	PUNCT
fsr-3429	633	225	lnsig_5	lnsig_5	ADJ
fsr-3429	633	226	constant	constant	ADJ
fsr-3429	633	227	1.904	1.904	NUM
fsr-3429	633	228	*	*	PUNCT
fsr-3429	633	229	*	*	PUNCT
fsr-3429	633	230	*	*	PUNCT
fsr-3429	633	231	(	(	PUNCT
fsr-3429	633	232	0.0258	0.0258	NUM
fsr-3429	633	233	)	)	PUNCT
fsr-3429	633	234	atanhrho_25	atanhrho_25	PROPN
fsr-3429	633	235	constant	constant	ADJ
fsr-3429	633	236	�	�	PROPN
fsr-3429	633	237	0.496	0.496	NUM
fsr-3429	633	238	*	*	PUNCT
fsr-3429	633	239	(	(	PUNCT
fsr-3429	633	240	0.289	0.289	NUM
fsr-3429	633	241	)	)	PUNCT
fsr-3429	633	242	atanhrho_35	atanhrho_35	PROPN
fsr-3429	633	243	constant	constant	ADJ
fsr-3429	633	244	�	�	PROPN
fsr-3429	633	245	0.687	0.687	NUM
fsr-3429	633	246	*	*	NOUN
fsr-3429	633	247	*	*	PUNCT
fsr-3429	633	248	(	(	PUNCT
fsr-3429	633	249	0.327	0.327	NUM
fsr-3429	633	250	)	)	PUNCT
fsr-3429	634	1	atanhrho_45	atanhrho_45	PUNCT
fsr-3429	634	2	constant	constant	ADJ
fsr-3429	634	3	�	�	PROPN
fsr-3429	634	4	0.317	0.317	NUM
fsr-3429	634	5	(	(	PUNCT
fsr-3429	634	6	0.235	0.235	NUM
fsr-3429	634	7	)	)	PUNCT
fsr-3429	634	8	observations	observation	NOUN
fsr-3429	634	9	753	753	NUM
fsr-3429	634	10	wald	wald	X
fsr-3429	634	11	x2(57	x2(57	NOUN
fsr-3429	634	12	)	)	PUNCT
fsr-3429	634	13	1014.74	1014.74	NUM
fsr-3429	634	14	source	source	NOUN
fsr-3429	634	15	:	:	PUNCT
fsr-3429	634	16	author	author	NOUN
fsr-3429	634	17	’s	’s	PART
fsr-3429	634	18	calculations	calculation	NOUN
fsr-3429	634	19	.	.	PUNCT
fsr-3429	635	1	standard	standard	ADJ
fsr-3429	635	2	errors	error	NOUN
fsr-3429	635	3	in	in	ADP
fsr-3429	635	4	parentheses	parenthesis	NOUN
fsr-3429	635	5	.	.	PUNCT
fsr-3429	636	1	1the	1the	PRON
fsr-3429	636	2	user	user	NOUN
fsr-3429	636	3	written	write	VERB
fsr-3429	636	4	command	command	NOUN
fsr-3429	636	5	for	for	ADP
fsr-3429	636	6	a	a	DET
fsr-3429	636	7	multinomial	multinomial	ADJ
fsr-3429	636	8	model	model	NOUN
fsr-3429	636	9	with	with	ADP
fsr-3429	636	10	instrumental	instrumental	ADJ
fsr-3429	636	11	variable	variable	NOUN
fsr-3429	636	12	by	by	ADP
fsr-3429	636	13	roodman	roodman	NOUN
fsr-3429	636	14	(	(	PUNCT
fsr-3429	636	15	2011	2011	NUM
fsr-3429	636	16	)	)	PUNCT
fsr-3429	636	17	is	be	AUX
fsr-3429	636	18	unable	unable	ADJ
fsr-3429	636	19	to	to	PART
fsr-3429	636	20	cater	cater	VERB
fsr-3429	636	21	for	for	ADP
fsr-3429	636	22	weighted	weighted	ADJ
fsr-3429	636	23	data	datum	NOUN
fsr-3429	636	24	.	.	PUNCT
fsr-3429	637	1	thus	thus	ADV
fsr-3429	637	2	,	,	PUNCT
fsr-3429	637	3	this	this	DET
fsr-3429	637	4	output	output	NOUN
fsr-3429	637	5	is	be	AUX
fsr-3429	637	6	seen	see	VERB
fsr-3429	637	7	as	as	ADP
fsr-3429	637	8	exploratory	exploratory	ADJ
fsr-3429	637	9	and	and	CCONJ
fsr-3429	637	10	preliminary	preliminary	ADJ
fsr-3429	637	11	.	.	PUNCT
fsr-3429	638	1	*	*	PUNCT
fsr-3429	639	1	*	*	PUNCT
fsr-3429	639	2	*	*	PUNCT
fsr-3429	639	3	p	p	X
fsr-3429	639	4	<	<	X
fsr-3429	639	5	.01	.01	NUM
fsr-3429	639	6	,	,	PUNCT
fsr-3429	639	7	*	*	PUNCT
fsr-3429	639	8	*	*	PUNCT
fsr-3429	639	9	p	p	X
fsr-3429	639	10	<	<	X
fsr-3429	639	11	.05	.05	NUM
fsr-3429	639	12	,	,	PUNCT
fsr-3429	639	13	*	*	PUNCT
fsr-3429	640	1	p	p	X
fsr-3429	640	2	<	<	X
fsr-3429	640	3	.1	.1	PROPN
fsr-3429	640	4	.	.	PUNCT
fsr-3429	641	1	g.d	g.d	PROPN
fsr-3429	641	2	.	.	PROPN
fsr-3429	641	3	willows	willows	PROPN
fsr-3429	641	4	/	/	SYM
fsr-3429	641	5	financial	financial	ADJ
fsr-3429	641	6	services	service	NOUN
fsr-3429	641	7	review	review	VERB
fsr-3429	641	8	28	28	NUM
fsr-3429	641	9	(	(	PUNCT
fsr-3429	641	10	2020	2020	NUM
fsr-3429	641	11	)	)	PUNCT
fsr-3429	642	1	243–271	243–271	NUM
fsr-3429	642	2	269	269	NUM
fsr-3429	642	3	acknowledgments	acknowledgment	NOUN
fsr-3429	642	4	the	the	DET
fsr-3429	642	5	work	work	NOUN
fsr-3429	642	6	is	be	AUX
fsr-3429	642	7	based	base	VERB
fsr-3429	642	8	on	on	ADP
fsr-3429	642	9	the	the	DET
fsr-3429	642	10	research	research	NOUN
fsr-3429	642	11	supported	support	VERB
fsr-3429	642	12	in	in	ADP
fsr-3429	642	13	part	part	NOUN
fsr-3429	642	14	by	by	ADP
fsr-3429	642	15	the	the	DET
fsr-3429	642	16	national	national	PROPN
fsr-3429	642	17	research	research	PROPN
fsr-3429	642	18	foundation	foundation	PROPN
fsr-3429	642	19	of	of	ADP
fsr-3429	642	20	south	south	PROPN
fsr-3429	642	21	africa	africa	PROPN
fsr-3429	642	22	for	for	ADP
fsr-3429	642	23	the	the	DET
fsr-3429	642	24	grant	grant	NOUN
fsr-3429	642	25	,	,	PUNCT
fsr-3429	642	26	unique	unique	ADJ
fsr-3429	642	27	grant	grant	NOUN
fsr-3429	642	28	no	no	NOUN
fsr-3429	642	29	.	.	NOUN
fsr-3429	642	30	94145	94145	NUM
fsr-3429	642	31	.	.	PUNCT
fsr-3429	643	1	references	reference	NOUN
fsr-3429	643	2	agnew	agnew	PROPN
fsr-3429	643	3	,	,	PUNCT
fsr-3429	643	4	j.	j.	PROPN
fsr-3429	643	5	,	,	PUNCT
fsr-3429	643	6	bateman	bateman	PROPN
fsr-3429	643	7	,	,	PUNCT
fsr-3429	643	8	h.	h.	PROPN
fsr-3429	643	9	,	,	PUNCT
fsr-3429	643	10	&	&	CCONJ
fsr-3429	643	11	thorp	thorp	PROPN
fsr-3429	643	12	,	,	PUNCT
fsr-3429	643	13	s.	s.	PROPN
fsr-3429	643	14	(	(	PUNCT
fsr-3429	643	15	2013	2013	NUM
fsr-3429	643	16	)	)	PUNCT
fsr-3429	643	17	.	.	PUNCT
fsr-3429	644	1	financial	financial	ADJ
fsr-3429	644	2	literacy	literacy	NOUN
fsr-3429	644	3	and	and	CCONJ
fsr-3429	644	4	retirement	retirement	NOUN
fsr-3429	644	5	planning	planning	NOUN
fsr-3429	644	6	in	in	ADP
fsr-3429	644	7	australia	australia	PROPN
fsr-3429	644	8	.	.	PUNCT
fsr-3429	645	1	numeracy	numeracy	NOUN
fsr-3429	645	2	,	,	PUNCT
fsr-3429	645	3	6	6	NUM
fsr-3429	645	4	,	,	PUNCT
fsr-3429	645	5	article	article	NOUN
fsr-3429	645	6	7	7	NUM
fsr-3429	645	7	.	.	PUNCT
fsr-3429	646	1	agnew	agnew	PROPN
fsr-3429	646	2	,	,	PUNCT
fsr-3429	646	3	j.	j.	PROPN
fsr-3429	646	4	,	,	PUNCT
fsr-3429	646	5	&	&	CCONJ
fsr-3429	646	6	szykman	szykman	PROPN
fsr-3429	646	7	,	,	PUNCT
fsr-3429	646	8	l.	l.	PROPN
fsr-3429	646	9	r.	r.	PROPN
fsr-3429	646	10	(	(	PUNCT
fsr-3429	646	11	2005	2005	NUM
fsr-3429	646	12	)	)	PUNCT
fsr-3429	646	13	.	.	PUNCT
fsr-3429	647	1	asset	asset	NOUN
fsr-3429	647	2	allocation	allocation	NOUN
fsr-3429	647	3	and	and	CCONJ
fsr-3429	647	4	information	information	NOUN
fsr-3429	647	5	overload	overload	NOUN
fsr-3429	647	6	:	:	PUNCT
fsr-3429	647	7	the	the	DET
fsr-3429	647	8	influence	influence	NOUN
fsr-3429	647	9	of	of	ADP
fsr-3429	647	10	information	information	NOUN
fsr-3429	647	11	display	display	NOUN
fsr-3429	647	12	,	,	PUNCT
fsr-3429	647	13	asset	asset	NOUN
fsr-3429	647	14	choice	choice	NOUN
fsr-3429	647	15	,	,	PUNCT
fsr-3429	647	16	and	and	CCONJ
fsr-3429	647	17	investor	investor	NOUN
fsr-3429	647	18	experience	experience	NOUN
fsr-3429	647	19	.	.	PUNCT
fsr-3429	648	1	the	the	DET
fsr-3429	648	2	journal	journal	NOUN
fsr-3429	648	3	of	of	ADP
fsr-3429	648	4	behavioral	behavioral	ADJ
fsr-3429	648	5	finance	finance	NOUN
fsr-3429	648	6	,	,	PUNCT
fsr-3429	648	7	6	6	NUM
fsr-3429	648	8	,	,	PUNCT
fsr-3429	648	9	57–70	57–70	NUM
fsr-3429	648	10	.	.	PUNCT
fsr-3429	649	1	allie	allie	PROPN
fsr-3429	649	2	,	,	PUNCT
fsr-3429	649	3	j.	j.	PROPN
fsr-3429	649	4	,	,	PUNCT
fsr-3429	649	5	west	west	PROPN
fsr-3429	649	6	,	,	PUNCT
fsr-3429	649	7	d.	d.	PROPN
fsr-3429	649	8	,	,	PUNCT
fsr-3429	649	9	&	&	CCONJ
fsr-3429	649	10	willows	willow	NOUN
fsr-3429	649	11	,	,	PUNCT
fsr-3429	649	12	g.	g.	PROPN
fsr-3429	649	13	(	(	PUNCT
fsr-3429	649	14	2016	2016	NUM
fsr-3429	649	15	)	)	PUNCT
fsr-3429	649	16	.	.	PUNCT
fsr-3429	650	1	the	the	DET
fsr-3429	650	2	value	value	NOUN
fsr-3429	650	3	of	of	ADP
fsr-3429	650	4	financial	financial	ADJ
fsr-3429	650	5	advice	advice	NOUN
fsr-3429	650	6	:	:	PUNCT
fsr-3429	650	7	an	an	DET
fsr-3429	650	8	analysis	analysis	NOUN
fsr-3429	650	9	of	of	ADP
fsr-3429	650	10	the	the	DET
fsr-3429	650	11	investment	investment	NOUN
fsr-3429	650	12	performance	performance	NOUN
fsr-3429	650	13	of	of	ADP
fsr-3429	650	14	advised	advised	ADJ
fsr-3429	650	15	and	and	CCONJ
fsr-3429	650	16	non	non	ADJ
fsr-3429	650	17	-	-	ADJ
fsr-3429	650	18	advised	advise	VERB
fsr-3429	650	19	individual	individual	ADJ
fsr-3429	650	20	investors	investor	NOUN
fsr-3429	650	21	.	.	PUNCT
fsr-3429	651	1	investment	investment	NOUN
fsr-3429	651	2	analysts	analyst	NOUN
fsr-3429	651	3	journal	journal	NOUN
fsr-3429	651	4	,	,	PUNCT
fsr-3429	651	5	45	45	NUM
fsr-3429	651	6	,	,	PUNCT
fsr-3429	651	7	s63	s63	NOUN
fsr-3429	651	8	–	–	PUNCT
fsr-3429	651	9	s64	s64	NOUN
fsr-3429	651	10	.	.	PUNCT
fsr-3429	652	1	arrondel	arrondel	PROPN
fsr-3429	652	2	,	,	PUNCT
fsr-3429	652	3	l.	l.	PROPN
fsr-3429	652	4	,	,	PUNCT
fsr-3429	652	5	debbich	debbich	NOUN
fsr-3429	652	6	,	,	PUNCT
fsr-3429	652	7	m.	m.	NOUN
fsr-3429	652	8	,	,	PUNCT
fsr-3429	652	9	&	&	CCONJ
fsr-3429	652	10	savignac	savignac	PROPN
fsr-3429	652	11	,	,	PUNCT
fsr-3429	652	12	f.	f.	PROPN
fsr-3429	652	13	(	(	PUNCT
fsr-3429	652	14	2013	2013	NUM
fsr-3429	652	15	)	)	PUNCT
fsr-3429	652	16	.	.	PUNCT
fsr-3429	653	1	financial	financial	ADJ
fsr-3429	653	2	literacy	literacy	NOUN
fsr-3429	653	3	and	and	CCONJ
fsr-3429	653	4	financial	financial	ADJ
fsr-3429	653	5	planning	planning	NOUN
fsr-3429	653	6	in	in	ADP
fsr-3429	653	7	france	france	PROPN
fsr-3429	653	8	.	.	PUNCT
fsr-3429	654	1	numeracy	numeracy	NOUN
fsr-3429	654	2	,	,	PUNCT
fsr-3429	654	3	6	6	NUM
fsr-3429	654	4	,	,	PUNCT
fsr-3429	654	5	article	article	NOUN
fsr-3429	654	6	8	8	NUM
fsr-3429	654	7	.	.	PUNCT
fsr-3429	655	1	atkinson	atkinson	PROPN
fsr-3429	655	2	,	,	PUNCT
fsr-3429	655	3	a.	a.	PROPN
fsr-3429	655	4	,	,	PUNCT
fsr-3429	655	5	&	&	CCONJ
fsr-3429	655	6	messy	messy	PROPN
fsr-3429	655	7	,	,	PUNCT
fsr-3429	655	8	f.	f.	PROPN
fsr-3429	655	9	a.	a.	PROPN
fsr-3429	655	10	(	(	PUNCT
fsr-3429	655	11	2012	2012	NUM
fsr-3429	655	12	)	)	PUNCT
fsr-3429	655	13	.	.	PUNCT
fsr-3429	656	1	measuring	measure	VERB
fsr-3429	656	2	financial	financial	ADJ
fsr-3429	656	3	literacy	literacy	NOUN
fsr-3429	656	4	:	:	PUNCT
fsr-3429	656	5	results	result	NOUN
fsr-3429	656	6	of	of	ADP
fsr-3429	656	7	the	the	DET
fsr-3429	656	8	oecd	oecd	PROPN
fsr-3429	656	9	/	/	SYM
fsr-3429	656	10	international	international	ADJ
fsr-3429	656	11	network	network	NOUN
fsr-3429	656	12	on	on	ADP
fsr-3429	656	13	financial	financial	ADJ
fsr-3429	656	14	education	education	NOUN
fsr-3429	656	15	(	(	PUNCT
fsr-3429	656	16	infe	infe	NOUN
fsr-3429	656	17	)	)	PUNCT
fsr-3429	656	18	pilot	pilot	NOUN
fsr-3429	656	19	study	study	NOUN
fsr-3429	656	20	.	.	PUNCT
fsr-3429	657	1	oecd	oecd	PROPN
fsr-3429	657	2	working	work	VERB
fsr-3429	657	3	papers	paper	NOUN
fsr-3429	657	4	on	on	ADP
fsr-3429	657	5	finance	finance	NOUN
fsr-3429	657	6	,	,	PUNCT
fsr-3429	657	7	insurance	insurance	NOUN
fsr-3429	657	8	and	and	CCONJ
fsr-3429	657	9	private	private	ADJ
fsr-3429	657	10	pensions	pension	NOUN
fsr-3429	657	11	,	,	PUNCT
fsr-3429	657	12	15	15	NUM
fsr-3429	657	13	,	,	PUNCT
fsr-3429	657	14	1–73	1–73	PROPN
fsr-3429	657	15	.	.	PUNCT
fsr-3429	657	16	baron	baron	PROPN
fsr-3429	657	17	,	,	PUNCT
fsr-3429	657	18	r.	r.	PROPN
fsr-3429	657	19	m.	m.	PROPN
fsr-3429	657	20	,	,	PUNCT
fsr-3429	657	21	&	&	CCONJ
fsr-3429	657	22	kenny	kenny	PROPN
fsr-3429	657	23	,	,	PUNCT
fsr-3429	657	24	d.	d.	PROPN
fsr-3429	657	25	a.	a.	PROPN
fsr-3429	657	26	(	(	PUNCT
fsr-3429	657	27	1986	1986	NUM
fsr-3429	657	28	)	)	PUNCT
fsr-3429	657	29	.	.	PUNCT
fsr-3429	658	1	the	the	DET
fsr-3429	658	2	moderator	moderator	NOUN
fsr-3429	658	3	-	-	PUNCT
fsr-3429	658	4	mediator	mediator	NOUN
fsr-3429	658	5	variable	variable	ADJ
fsr-3429	658	6	distinction	distinction	NOUN
fsr-3429	658	7	in	in	ADP
fsr-3429	658	8	social	social	ADJ
fsr-3429	658	9	psychological	psychological	ADJ
fsr-3429	658	10	research	research	NOUN
fsr-3429	658	11	:	:	PUNCT
fsr-3429	658	12	conceptual	conceptual	ADJ
fsr-3429	658	13	,	,	PUNCT
fsr-3429	658	14	strategic	strategic	ADJ
fsr-3429	658	15	,	,	PUNCT
fsr-3429	658	16	and	and	CCONJ
fsr-3429	658	17	statistical	statistical	ADJ
fsr-3429	658	18	considerations	consideration	NOUN
fsr-3429	658	19	.	.	PUNCT
fsr-3429	659	1	journal	journal	NOUN
fsr-3429	659	2	of	of	ADP
fsr-3429	659	3	personality	personality	NOUN
fsr-3429	659	4	and	and	CCONJ
fsr-3429	659	5	social	social	ADJ
fsr-3429	659	6	psychology	psychology	NOUN
fsr-3429	659	7	,	,	PUNCT
fsr-3429	659	8	51	51	NUM
fsr-3429	659	9	,	,	PUNCT
fsr-3429	659	10	1173–1182	1173–1182	NUM
fsr-3429	659	11	.	.	PUNCT
fsr-3429	660	1	bashall	bashall	PROPN
fsr-3429	660	2	,	,	PUNCT
fsr-3429	660	3	j.	j.	PROPN
fsr-3429	660	4	,	,	PUNCT
fsr-3429	660	5	willows	willow	NOUN
fsr-3429	660	6	,	,	PUNCT
fsr-3429	660	7	g.	g.	PROPN
fsr-3429	660	8	d.	d.	PROPN
fsr-3429	660	9	,	,	PUNCT
fsr-3429	660	10	&	&	CCONJ
fsr-3429	660	11	west	west	PROPN
fsr-3429	660	12	,	,	PUNCT
fsr-3429	660	13	d.	d.	PROPN
fsr-3429	660	14	(	(	PUNCT
fsr-3429	660	15	2018	2018	NUM
fsr-3429	660	16	)	)	PUNCT
fsr-3429	660	17	.	.	PUNCT
fsr-3429	661	1	the	the	DET
fsr-3429	661	2	extent	extent	NOUN
fsr-3429	661	3	to	to	PART
fsr-3429	661	4	which	which	PRON
fsr-3429	661	5	professional	professional	ADJ
fsr-3429	661	6	advice	advice	NOUN
fsr-3429	661	7	can	can	AUX
fsr-3429	661	8	reduce	reduce	VERB
fsr-3429	661	9	the	the	DET
fsr-3429	661	10	disposition	disposition	NOUN
fsr-3429	661	11	effect	effect	NOUN
fsr-3429	661	12	:	:	PUNCT
fsr-3429	661	13	an	an	DET
fsr-3429	661	14	emerging	emerge	VERB
fsr-3429	661	15	market	market	NOUN
fsr-3429	661	16	study	study	NOUN
fsr-3429	661	17	.	.	PUNCT
fsr-3429	662	1	journal	journal	NOUN
fsr-3429	662	2	of	of	ADP
fsr-3429	662	3	emerging	emerge	VERB
fsr-3429	662	4	market	market	NOUN
fsr-3429	662	5	finance	finance	NOUN
fsr-3429	662	6	,	,	PUNCT
fsr-3429	662	7	17	17	NUM
fsr-3429	662	8	,	,	PUNCT
fsr-3429	662	9	229–249	229–249	NUM
fsr-3429	662	10	.	.	PUNCT
fsr-3429	663	1	beckmann	beckmann	PROPN
fsr-3429	663	2	,	,	PUNCT
fsr-3429	663	3	e.	e.	PROPN
fsr-3429	663	4	(	(	PUNCT
fsr-3429	663	5	2013	2013	NUM
fsr-3429	663	6	)	)	PUNCT
fsr-3429	663	7	.	.	PUNCT
fsr-3429	664	1	financial	financial	ADJ
fsr-3429	664	2	literacy	literacy	NOUN
fsr-3429	664	3	and	and	CCONJ
fsr-3429	664	4	household	household	NOUN
fsr-3429	664	5	savings	saving	NOUN
fsr-3429	664	6	in	in	ADP
fsr-3429	664	7	romania	romania	PROPN
fsr-3429	664	8	.	.	PUNCT
fsr-3429	665	1	numeracy	numeracy	NOUN
fsr-3429	665	2	,	,	PUNCT
fsr-3429	665	3	6	6	NUM
fsr-3429	665	4	,	,	PUNCT
fsr-3429	665	5	article	article	NOUN
fsr-3429	665	6	9	9	NUM
fsr-3429	665	7	.	.	PUNCT
fsr-3429	666	1	berg	berg	PROPN
fsr-3429	666	2	,	,	PUNCT
fsr-3429	666	3	g.	g.	PROPN
fsr-3429	666	4	,	,	PUNCT
fsr-3429	666	5	&	&	CCONJ
fsr-3429	666	6	zia	zia	PROPN
fsr-3429	666	7	,	,	PUNCT
fsr-3429	666	8	b.	b.	PROPN
fsr-3429	666	9	(	(	PUNCT
fsr-3429	666	10	2013	2013	NUM
fsr-3429	666	11	)	)	PUNCT
fsr-3429	666	12	.	.	PUNCT
fsr-3429	667	1	financial	financial	ADJ
fsr-3429	667	2	literacy	literacy	NOUN
fsr-3429	667	3	through	through	ADP
fsr-3429	667	4	mainstream	mainstream	ADJ
fsr-3429	667	5	media	medium	NOUN
fsr-3429	667	6	:	:	PUNCT
fsr-3429	667	7	evaluating	evaluate	VERB
fsr-3429	667	8	the	the	DET
fsr-3429	667	9	impact	impact	NOUN
fsr-3429	667	10	of	of	ADP
fsr-3429	667	11	financial	financial	ADJ
fsr-3429	667	12	messages	message	NOUN
fsr-3429	667	13	in	in	ADP
fsr-3429	667	14	a	a	DET
fsr-3429	667	15	south	south	ADJ
fsr-3429	667	16	african	african	ADJ
fsr-3429	667	17	soap	soap	NOUN
fsr-3429	667	18	opera	opera	NOUN
fsr-3429	667	19	.	.	PUNCT
fsr-3429	668	1	world	world	PROPN
fsr-3429	668	2	bank	bank	PROPN
fsr-3429	668	3	working	working	PROPN
fsr-3429	668	4	paper	paper	NOUN
fsr-3429	668	5	,	,	PUNCT
fsr-3429	668	6	washington	washington	PROPN
fsr-3429	668	7	,	,	PUNCT
fsr-3429	668	8	dc	dc	PROPN
fsr-3429	668	9	.	.	PROPN
fsr-3429	668	10	brown	brown	PROPN
fsr-3429	668	11	,	,	PUNCT
fsr-3429	668	12	m.	m.	NOUN
fsr-3429	668	13	,	,	PUNCT
fsr-3429	668	14	&	&	CCONJ
fsr-3429	668	15	graf	graf	PROPN
fsr-3429	668	16	,	,	PUNCT
fsr-3429	668	17	r.	r.	PROPN
fsr-3429	668	18	(	(	PUNCT
fsr-3429	668	19	2013	2013	NUM
fsr-3429	668	20	)	)	PUNCT
fsr-3429	668	21	.	.	PUNCT
fsr-3429	669	1	financial	financial	ADJ
fsr-3429	669	2	literacy	literacy	NOUN
fsr-3429	669	3	and	and	CCONJ
fsr-3429	669	4	retirement	retirement	NOUN
fsr-3429	669	5	planning	planning	NOUN
fsr-3429	669	6	in	in	ADP
fsr-3429	669	7	switzerland	switzerland	PROPN
fsr-3429	669	8	.	.	PUNCT
fsr-3429	670	1	numeracy	numeracy	NOUN
fsr-3429	670	2	,	,	PUNCT
fsr-3429	670	3	6	6	NUM
fsr-3429	670	4	,	,	PUNCT
fsr-3429	670	5	article	article	NOUN
fsr-3429	670	6	6	6	NUM
fsr-3429	670	7	.	.	PUNCT
fsr-3429	670	8	brown	brown	ADJ
fsr-3429	670	9	,	,	PUNCT
fsr-3429	670	10	m.	m.	NOUN
fsr-3429	670	11	,	,	PUNCT
fsr-3429	670	12	grigsby	grigsby	PROPN
fsr-3429	670	13	,	,	PUNCT
fsr-3429	670	14	j.	j.	PROPN
fsr-3429	670	15	,	,	PUNCT
fsr-3429	670	16	van	van	PROPN
fsr-3429	670	17	der	der	PROPN
fsr-3429	670	18	klaauw	klaauw	PROPN
fsr-3429	670	19	,	,	PUNCT
fsr-3429	670	20	w.	w.	PROPN
fsr-3429	670	21	,	,	PUNCT
fsr-3429	670	22	wen	wen	PROPN
fsr-3429	670	23	,	,	PUNCT
fsr-3429	670	24	j.	j.	PROPN
fsr-3429	670	25	,	,	PUNCT
fsr-3429	670	26	&	&	CCONJ
fsr-3429	670	27	zafar	zafar	PROPN
fsr-3429	670	28	,	,	PUNCT
fsr-3429	670	29	b.	b.	PROPN
fsr-3429	670	30	(	(	PUNCT
fsr-3429	670	31	2016	2016	NUM
fsr-3429	670	32	)	)	PUNCT
fsr-3429	670	33	.	.	PUNCT
fsr-3429	671	1	financial	financial	ADJ
fsr-3429	671	2	education	education	NOUN
fsr-3429	671	3	and	and	CCONJ
fsr-3429	671	4	the	the	DET
fsr-3429	671	5	debt	debt	NOUN
fsr-3429	671	6	behavior	behavior	NOUN
fsr-3429	671	7	of	of	ADP
fsr-3429	671	8	the	the	DET
fsr-3429	671	9	young	young	ADJ
fsr-3429	671	10	.	.	PUNCT
fsr-3429	672	1	review	review	NOUN
fsr-3429	672	2	of	of	ADP
fsr-3429	672	3	financial	financial	ADJ
fsr-3429	672	4	studies	study	NOUN
fsr-3429	672	5	,	,	PUNCT
fsr-3429	672	6	29	29	NUM
fsr-3429	672	7	,	,	PUNCT
fsr-3429	672	8	2490–2522	2490–2522	NUM
fsr-3429	672	9	.	.	PUNCT
fsr-3429	673	1	bruhn	bruhn	NOUN
fsr-3429	673	2	,	,	PUNCT
fsr-3429	673	3	m.	m.	NOUN
fsr-3429	673	4	,	,	PUNCT
fsr-3429	673	5	de	de	PROPN
fsr-3429	673	6	souza	souza	PROPN
fsr-3429	673	7	leáo	leáo	PROPN
fsr-3429	673	8	,	,	PUNCT
fsr-3429	673	9	l.	l.	PROPN
fsr-3429	673	10	,	,	PUNCT
fsr-3429	673	11	legovini	legovini	PROPN
fsr-3429	673	12	,	,	PUNCT
fsr-3429	673	13	a.	a.	NOUN
fsr-3429	673	14	,	,	PUNCT
fsr-3429	673	15	marchetti	marchetti	PROPN
fsr-3429	673	16	,	,	PUNCT
fsr-3429	673	17	r.	r.	PROPN
fsr-3429	673	18	,	,	PUNCT
fsr-3429	673	19	&	&	CCONJ
fsr-3429	673	20	zia	zia	PROPN
fsr-3429	673	21	,	,	PUNCT
fsr-3429	673	22	b.	b.	PROPN
fsr-3429	673	23	(	(	PUNCT
fsr-3429	673	24	2016	2016	NUM
fsr-3429	673	25	)	)	PUNCT
fsr-3429	673	26	.	.	PUNCT
fsr-3429	674	1	the	the	DET
fsr-3429	674	2	impact	impact	NOUN
fsr-3429	674	3	of	of	ADP
fsr-3429	674	4	high	high	ADJ
fsr-3429	674	5	school	school	NOUN
fsr-3429	674	6	financial	financial	ADJ
fsr-3429	674	7	education	education	NOUN
fsr-3429	674	8	:	:	PUNCT
fsr-3429	674	9	experimental	experimental	ADJ
fsr-3429	674	10	evidence	evidence	NOUN
fsr-3429	674	11	from	from	ADP
fsr-3429	674	12	brazil	brazil	PROPN
fsr-3429	674	13	.	.	PUNCT
fsr-3429	675	1	american	american	ADJ
fsr-3429	675	2	economic	economic	PROPN
fsr-3429	675	3	journal	journal	PROPN
fsr-3429	675	4	:	:	PUNCT
fsr-3429	675	5	applied	apply	VERB
fsr-3429	675	6	economics	economic	NOUN
fsr-3429	675	7	,	,	PUNCT
fsr-3429	675	8	8	8	NUM
fsr-3429	675	9	,	,	PUNCT
fsr-3429	675	10	256–295	256–295	NUM
fsr-3429	675	11	.	.	PUNCT
fsr-3429	675	12	cole	cole	PROPN
fsr-3429	675	13	,	,	PUNCT
fsr-3429	675	14	s.	s.	PROPN
fsr-3429	675	15	,	,	PUNCT
fsr-3429	675	16	paulson	paulson	PROPN
fsr-3429	675	17	,	,	PUNCT
fsr-3429	675	18	a.	a.	PROPN
fsr-3429	675	19	,	,	PUNCT
fsr-3429	675	20	&	&	CCONJ
fsr-3429	675	21	shastry	shastry	PROPN
fsr-3429	675	22	,	,	PUNCT
fsr-3429	675	23	g.	g.	PROPN
fsr-3429	675	24	(	(	PUNCT
fsr-3429	675	25	2013	2013	NUM
fsr-3429	675	26	)	)	PUNCT
fsr-3429	675	27	.	.	PUNCT
fsr-3429	676	1	high	high	ADJ
fsr-3429	676	2	school	school	NOUN
fsr-3429	676	3	and	and	CCONJ
fsr-3429	676	4	financial	financial	ADJ
fsr-3429	676	5	outcomes	outcome	NOUN
fsr-3429	676	6	:	:	PUNCT
fsr-3429	676	7	the	the	DET
fsr-3429	676	8	impact	impact	NOUN
fsr-3429	676	9	of	of	ADP
fsr-3429	676	10	mandated	mandate	VERB
fsr-3429	676	11	personal	personal	ADJ
fsr-3429	676	12	finance	finance	NOUN
fsr-3429	676	13	and	and	CCONJ
fsr-3429	676	14	mathematics	mathematic	NOUN
fsr-3429	676	15	courses	course	NOUN
fsr-3429	676	16	.	.	PUNCT
fsr-3429	677	1	boston	boston	PROPN
fsr-3429	677	2	,	,	PUNCT
fsr-3429	677	3	ma	ma	PROPN
fsr-3429	677	4	:	:	PUNCT
fsr-3429	677	5	manuscript	manuscript	PROPN
fsr-3429	677	6	,	,	PUNCT
fsr-3429	677	7	harvard	harvard	PROPN
fsr-3429	677	8	business	business	PROPN
fsr-3429	677	9	school	school	PROPN
fsr-3429	677	10	.	.	PUNCT
fsr-3429	678	1	(	(	PUNCT
fsr-3429	678	2	available	available	ADJ
fsr-3429	678	3	at	at	ADP
fsr-3429	678	4	http://www.hbs.edu/faculty/publication%20files/13-064_c7b52fa0-1242-4420-b9b6-73d32c639826	http://www.hbs.edu/faculty/publication%20files/13-064_c7b52fa0-1242-4420-b9b6-73d32c639826	PROPN
fsr-3429	678	5	.	.	PUNCT
fsr-3429	679	1	pdf	pdf	PROPN
fsr-3429	679	2	)	)	PUNCT
fsr-3429	679	3	dave	dave	PROPN
fsr-3429	679	4	,	,	PUNCT
fsr-3429	679	5	r.	r.	PROPN
fsr-3429	679	6	(	(	PUNCT
fsr-3429	679	7	2017	2017	NUM
fsr-3429	679	8	)	)	PUNCT
fsr-3429	679	9	.	.	PUNCT
fsr-3429	680	1	here	here	ADV
fsr-3429	680	2	’s	’	VERB
fsr-3429	680	3	how	how	SCONJ
fsr-3429	680	4	to	to	PART
fsr-3429	680	5	set	set	VERB
fsr-3429	680	6	your	your	PRON
fsr-3429	680	7	financial	financial	ADJ
fsr-3429	680	8	life	life	NOUN
fsr-3429	680	9	in	in	ADP
fsr-3429	680	10	order	order	NOUN
fsr-3429	680	11	to	to	PART
fsr-3429	680	12	avoid	avoid	VERB
fsr-3429	680	13	problems	problem	NOUN
fsr-3429	680	14	for	for	ADP
fsr-3429	680	15	dependents	dependent	NOUN
fsr-3429	680	16	.	.	PUNCT
fsr-3429	681	1	the	the	DET
fsr-3429	681	2	economic	economic	ADJ
fsr-3429	681	3	times	time	NOUN
fsr-3429	681	4	.	.	PUNCT
fsr-3429	682	1	(	(	PUNCT
fsr-3429	682	2	available	available	ADJ
fsr-3429	682	3	at	at	ADP
fsr-3429	682	4	https://economictimes.indiatimes.com/wealth/plan/heres-how-to-set-yourfinancial-life-in-order/articleshow/58546285.cms	https://economictimes.indiatimes.com/wealth/plan/heres-how-to-set-yourfinancial-life-in-order/articleshow/58546285.cms	PROPN
fsr-3429	682	5	)	)	PUNCT
fsr-3429	682	6	draper	draper	NOUN
fsr-3429	682	7	,	,	PUNCT
fsr-3429	682	8	k.	k.	PROPN
fsr-3429	682	9	,	,	PUNCT
fsr-3429	682	10	&	&	CCONJ
fsr-3429	682	11	spaull	spaull	PROPN
fsr-3429	682	12	,	,	PUNCT
fsr-3429	682	13	n.	n.	NOUN
fsr-3429	682	14	(	(	PUNCT
fsr-3429	682	15	2015	2015	NUM
fsr-3429	682	16	)	)	PUNCT
fsr-3429	682	17	.	.	PUNCT
fsr-3429	683	1	schooling	school	VERB
fsr-3429	683	2	in	in	ADP
fsr-3429	683	3	south	south	PROPN
fsr-3429	683	4	africa	africa	PROPN
fsr-3429	683	5	:	:	PUNCT
fsr-3429	683	6	how	how	SCONJ
fsr-3429	683	7	low	low	ADJ
fsr-3429	683	8	quality	quality	NOUN
fsr-3429	683	9	education	education	NOUN
fsr-3429	683	10	becomes	become	VERB
fsr-3429	683	11	a	a	DET
fsr-3429	683	12	poverty	poverty	NOUN
fsr-3429	683	13	trap	trap	NOUN
fsr-3429	683	14	.	.	PUNCT
fsr-3429	684	1	south	south	ADJ
fsr-3429	684	2	african	african	ADJ
fsr-3429	684	3	journal	journal	PROPN
fsr-3429	684	4	of	of	ADP
fsr-3429	684	5	childhood	childhood	PROPN
fsr-3429	684	6	education	education	NOUN
fsr-3429	684	7	,	,	PUNCT
fsr-3429	684	8	5	5	NUM
fsr-3429	684	9	,	,	PUNCT
fsr-3429	684	10	34–41	34–41	NUM
fsr-3429	684	11	.	.	PUNCT
fsr-3429	685	1	fernandes	fernandes	PROPN
fsr-3429	685	2	,	,	PUNCT
fsr-3429	685	3	d.	d.	PROPN
fsr-3429	685	4	,	,	PUNCT
fsr-3429	685	5	lynch	lynch	PROPN
fsr-3429	685	6	,	,	PUNCT
fsr-3429	685	7	j.	j.	PROPN
fsr-3429	685	8	g.	g.	PROPN
fsr-3429	685	9	,	,	PUNCT
fsr-3429	685	10	&	&	CCONJ
fsr-3429	685	11	netemeyer	netemeyer	PROPN
fsr-3429	685	12	,	,	PUNCT
fsr-3429	685	13	r.	r.	PROPN
fsr-3429	685	14	g.	g.	PROPN
fsr-3429	685	15	(	(	PUNCT
fsr-3429	685	16	2014	2014	NUM
fsr-3429	685	17	)	)	PUNCT
fsr-3429	685	18	.	.	PUNCT
fsr-3429	686	1	financial	financial	ADJ
fsr-3429	686	2	literacy	literacy	NOUN
fsr-3429	686	3	,	,	PUNCT
fsr-3429	686	4	financial	financial	ADJ
fsr-3429	686	5	education	education	NOUN
fsr-3429	686	6	and	and	CCONJ
fsr-3429	686	7	downstream	downstream	ADJ
fsr-3429	686	8	financial	financial	ADJ
fsr-3429	686	9	behaviors.management	behaviors.management	NOUN
fsr-3429	686	10	science	science	NOUN
fsr-3429	686	11	,	,	PUNCT
fsr-3429	686	12	60	60	NUM
fsr-3429	686	13	,	,	PUNCT
fsr-3429	686	14	1861–1883	1861–1883	NUM
fsr-3429	686	15	.	.	PUNCT
fsr-3429	687	1	gough	gough	PROPN
fsr-3429	687	2	,	,	PUNCT
fsr-3429	687	3	d.	d.	PROPN
fsr-3429	687	4	(	(	PUNCT
fsr-3429	687	5	1996	1996	NUM
fsr-3429	687	6	)	)	PUNCT
fsr-3429	687	7	.	.	PUNCT
fsr-3429	688	1	english	english	PROPN
fsr-3429	688	2	in	in	ADP
fsr-3429	688	3	south	south	PROPN
fsr-3429	688	4	africa	africa	PROPN
fsr-3429	688	5	.	.	PUNCT
fsr-3429	689	1	in	in	ADP
fsr-3429	689	2	c.	c.	PROPN
fsr-3429	689	3	muller	muller	PROPN
fsr-3429	689	4	&	&	CCONJ
fsr-3429	689	5	m.	m.	PROPN
fsr-3429	689	6	wright	wright	PROPN
fsr-3429	689	7	(	(	PUNCT
fsr-3429	689	8	eds	eds	PROPN
fsr-3429	689	9	.	.	PUNCT
fsr-3429	689	10	)	)	PUNCT
fsr-3429	689	11	,	,	PUNCT
fsr-3429	689	12	dictionary	dictionary	NOUN
fsr-3429	689	13	of	of	ADP
fsr-3429	689	14	south	south	ADJ
fsr-3429	689	15	african	african	ADJ
fsr-3429	689	16	english	english	PROPN
fsr-3429	689	17	on	on	ADP
fsr-3429	689	18	historical	historical	ADJ
fsr-3429	689	19	principles	principle	NOUN
fsr-3429	689	20	.	.	PUNCT
fsr-3429	690	1	cape	cape	NOUN
fsr-3429	690	2	town	town	NOUN
fsr-3429	690	3	:	:	PUNCT
fsr-3429	690	4	oup	oup	PROPN
fsr-3429	690	5	.	.	PUNCT
fsr-3429	691	1	goodman	goodman	PROPN
fsr-3429	691	2	,	,	PUNCT
fsr-3429	691	3	j.	j.	PROPN
fsr-3429	691	4	(	(	PUNCT
fsr-3429	691	5	2009	2009	NUM
fsr-3429	691	6	)	)	PUNCT
fsr-3429	691	7	.	.	PUNCT
fsr-3429	692	1	the	the	DET
fsr-3429	692	2	labor	labor	NOUN
fsr-3429	692	3	of	of	ADP
fsr-3429	692	4	division	division	NOUN
fsr-3429	692	5	:	:	PUNCT
fsr-3429	692	6	returns	return	NOUN
fsr-3429	692	7	to	to	ADP
fsr-3429	692	8	compulsory	compulsory	ADJ
fsr-3429	692	9	mathematics	mathematic	NOUN
fsr-3429	692	10	coursework	coursework	NOUN
fsr-3429	692	11	.	.	PUNCT
fsr-3429	693	1	working	work	VERB
fsr-3429	693	2	paper	paper	NOUN
fsr-3429	693	3	,	,	PUNCT
fsr-3429	693	4	harvard	harvard	PROPN
fsr-3429	693	5	kennedy	kennedy	PROPN
fsr-3429	693	6	school	school	PROPN
fsr-3429	693	7	,	,	PUNCT
fsr-3429	693	8	cambridge	cambridge	PROPN
fsr-3429	693	9	,	,	PUNCT
fsr-3429	693	10	ma	ma	PROPN
fsr-3429	693	11	.	.	PROPN
fsr-3429	693	12	klapper	klapper	PROPN
fsr-3429	693	13	,	,	PUNCT
fsr-3429	693	14	l.	l.	PROPN
fsr-3429	693	15	,	,	PUNCT
fsr-3429	693	16	&	&	CCONJ
fsr-3429	693	17	panos	panos	PROPN
fsr-3429	693	18	,	,	PUNCT
fsr-3429	693	19	g.	g.	PROPN
fsr-3429	693	20	a.	a.	PROPN
fsr-3429	693	21	(	(	PUNCT
fsr-3429	693	22	2011	2011	NUM
fsr-3429	693	23	)	)	PUNCT
fsr-3429	693	24	.	.	PUNCT
fsr-3429	694	1	financial	financial	ADJ
fsr-3429	694	2	literacy	literacy	NOUN
fsr-3429	694	3	and	and	CCONJ
fsr-3429	694	4	retirement	retirement	NOUN
fsr-3429	694	5	planning	planning	NOUN
fsr-3429	694	6	:	:	PUNCT
fsr-3429	694	7	the	the	DET
fsr-3429	694	8	russian	russian	ADJ
fsr-3429	694	9	case	case	NOUN
fsr-3429	694	10	.	.	PUNCT
fsr-3429	695	1	journal	journal	PROPN
fsr-3429	695	2	of	of	ADP
fsr-3429	695	3	pension	pension	NOUN
fsr-3429	695	4	economics	economic	NOUN
fsr-3429	695	5	and	and	CCONJ
fsr-3429	695	6	finance	finance	NOUN
fsr-3429	695	7	,	,	PUNCT
fsr-3429	695	8	10	10	NUM
fsr-3429	695	9	,	,	PUNCT
fsr-3429	695	10	599–618	599–618	NUM
fsr-3429	695	11	.	.	PUNCT
fsr-3429	696	1	lusardi	lusardi	PROPN
fsr-3429	696	2	,	,	PUNCT
fsr-3429	696	3	a.	a.	PROPN
fsr-3429	696	4	,	,	PUNCT
fsr-3429	696	5	&	&	CCONJ
fsr-3429	696	6	mitchell	mitchell	PROPN
fsr-3429	696	7	,	,	PUNCT
fsr-3429	696	8	o.	o.	PROPN
fsr-3429	696	9	s.	s.	PROPN
fsr-3429	696	10	(	(	PUNCT
fsr-3429	696	11	2011	2011	NUM
fsr-3429	696	12	)	)	PUNCT
fsr-3429	696	13	.	.	PUNCT
fsr-3429	697	1	financial	financial	ADJ
fsr-3429	697	2	literacy	literacy	NOUN
fsr-3429	697	3	and	and	CCONJ
fsr-3429	697	4	planning	planning	NOUN
fsr-3429	697	5	:	:	PUNCT
fsr-3429	697	6	implications	implication	NOUN
fsr-3429	697	7	for	for	ADP
fsr-3429	697	8	retirement	retirement	NOUN
fsr-3429	697	9	wellbeing	wellbee	VERB
fsr-3429	697	10	.	.	PUNCT
fsr-3429	698	1	in	in	ADP
fsr-3429	698	2	o.	o.	PROPN
fsr-3429	698	3	s.	s.	PROPN
fsr-3429	698	4	mitchell	mitchell	PROPN
fsr-3429	698	5	&	&	CCONJ
fsr-3429	698	6	a.	a.	PROPN
fsr-3429	698	7	lusardi	lusardi	PROPN
fsr-3429	698	8	(	(	PUNCT
fsr-3429	698	9	eds	ed	NOUN
fsr-3429	698	10	.	.	PUNCT
fsr-3429	698	11	)	)	PUNCT
fsr-3429	698	12	,	,	PUNCT
fsr-3429	698	13	financial	financial	ADJ
fsr-3429	698	14	literacy	literacy	NOUN
fsr-3429	698	15	.	.	PUNCT
fsr-3429	699	1	implications	implication	NOUN
fsr-3429	699	2	for	for	ADP
fsr-3429	699	3	retirement	retirement	NOUN
fsr-3429	699	4	security	security	NOUN
fsr-3429	699	5	and	and	CCONJ
fsr-3429	699	6	the	the	DET
fsr-3429	699	7	financial	financial	ADJ
fsr-3429	699	8	marketplace	marketplace	NOUN
fsr-3429	699	9	(	(	PUNCT
fsr-3429	699	10	pp	pp	ADJ
fsr-3429	699	11	.	.	PUNCT
fsr-3429	699	12	17–39	17–39	NUM
fsr-3429	699	13	)	)	PUNCT
fsr-3429	699	14	.	.	PUNCT
fsr-3429	700	1	oxford	oxford	NOUN
fsr-3429	700	2	:	:	PUNCT
fsr-3429	700	3	oxford	oxford	PROPN
fsr-3429	700	4	university	university	PROPN
fsr-3429	700	5	press	press	NOUN
fsr-3429	700	6	.	.	PUNCT
fsr-3429	701	1	270	270	NUM
fsr-3429	701	2	g.d	g.d	NOUN
fsr-3429	701	3	.	.	PROPN
fsr-3429	701	4	willows	willows	PROPN
fsr-3429	701	5	/	/	SYM
fsr-3429	701	6	financial	financial	ADJ
fsr-3429	701	7	services	service	NOUN
fsr-3429	701	8	review	review	VERB
fsr-3429	701	9	28	28	NUM
fsr-3429	701	10	(	(	PUNCT
fsr-3429	701	11	2020	2020	NUM
fsr-3429	701	12	)	)	PUNCT
fsr-3429	701	13	243–271	243–271	NUM
fsr-3429	701	14	lusardi	lusardi	NOUN
fsr-3429	701	15	,	,	PUNCT
fsr-3429	701	16	a.	a.	PROPN
fsr-3429	701	17	,	,	PUNCT
fsr-3429	701	18	&	&	CCONJ
fsr-3429	701	19	mitchell	mitchell	PROPN
fsr-3429	701	20	,	,	PUNCT
fsr-3429	701	21	o.	o.	PROPN
fsr-3429	701	22	s.	s.	PROPN
fsr-3429	701	23	(	(	PUNCT
fsr-3429	701	24	2017	2017	NUM
fsr-3429	701	25	)	)	PUNCT
fsr-3429	701	26	.	.	PUNCT
fsr-3429	702	1	how	how	SCONJ
fsr-3429	702	2	ordinary	ordinary	ADJ
fsr-3429	702	3	consumers	consumer	NOUN
fsr-3429	702	4	make	make	VERB
fsr-3429	702	5	complex	complex	ADJ
fsr-3429	702	6	economic	economic	ADJ
fsr-3429	702	7	decisions	decision	NOUN
fsr-3429	702	8	:	:	PUNCT
fsr-3429	702	9	financial	financial	ADJ
fsr-3429	702	10	literacy	literacy	NOUN
fsr-3429	702	11	and	and	CCONJ
fsr-3429	702	12	retirement	retirement	NOUN
fsr-3429	702	13	readiness	readiness	NOUN
fsr-3429	702	14	.	.	PUNCT
fsr-3429	703	1	quarterly	quarterly	ADJ
fsr-3429	703	2	journal	journal	NOUN
fsr-3429	703	3	of	of	ADP
fsr-3429	703	4	finance	finance	NOUN
fsr-3429	703	5	,	,	PUNCT
fsr-3429	703	6	07	07	NUM
fsr-3429	703	7	,	,	PUNCT
fsr-3429	703	8	1750008	1750008	NUM
fsr-3429	703	9	.	.	PUNCT
fsr-3429	704	1	mckenna	mckenna	PROPN
fsr-3429	704	2	,	,	PUNCT
fsr-3429	704	3	b.	b.	PROPN
fsr-3429	704	4	(	(	PUNCT
fsr-3429	704	5	2015	2015	NUM
fsr-3429	704	6	)	)	PUNCT
fsr-3429	704	7	.	.	PUNCT
fsr-3429	705	1	as	as	SCONJ
fsr-3429	705	2	the	the	DET
fsr-3429	705	3	baby	baby	NOUN
fsr-3429	705	4	boomers	boomer	NOUN
fsr-3429	705	5	retire	retire	VERB
fsr-3429	705	6	,	,	PUNCT
fsr-3429	705	7	the	the	DET
fsr-3429	705	8	threat	threat	NOUN
fsr-3429	705	9	of	of	ADP
fsr-3429	705	10	intergenerational	intergenerational	ADJ
fsr-3429	705	11	inequality	inequality	NOUN
fsr-3429	705	12	looms	loom	VERB
fsr-3429	705	13	.	.	PUNCT
fsr-3429	706	1	the	the	DET
fsr-3429	706	2	globe	globe	NOUN
fsr-3429	706	3	and	and	CCONJ
fsr-3429	706	4	mail	mail	NOUN
fsr-3429	706	5	,	,	PUNCT
fsr-3429	706	6	06	06	NUM
fsr-3429	706	7	november	november	PROPN
fsr-3429	706	8	.	.	PUNCT
fsr-3429	707	1	(	(	PUNCT
fsr-3429	707	2	available	available	ADJ
fsr-3429	707	3	at	at	ADP
fsr-3429	707	4	https://www.theglobeandmail.com/globe-investor/retirement/as-thebaby-boomers-retire-the-threat-of-intergenerational-inequality-looms/article27163694/	https://www.theglobeandmail.com/globe-investor/retirement/as-thebaby-boomers-retire-the-threat-of-intergenerational-inequality-looms/article27163694/	PROPN
fsr-3429	707	5	)	)	PUNCT
fsr-3429	707	6	miller	miller	PROPN
fsr-3429	707	7	,	,	PUNCT
fsr-3429	707	8	m.	m.	NOUN
fsr-3429	707	9	,	,	PUNCT
fsr-3429	707	10	reichelstein	reichelstein	PROPN
fsr-3429	707	11	,	,	PUNCT
fsr-3429	707	12	j.	j.	PROPN
fsr-3429	707	13	,	,	PUNCT
fsr-3429	707	14	salas	salas	PROPN
fsr-3429	707	15	,	,	PUNCT
fsr-3429	707	16	c.	c.	PROPN
fsr-3429	707	17	,	,	PUNCT
fsr-3429	707	18	&	&	CCONJ
fsr-3429	707	19	zia	zia	PROPN
fsr-3429	707	20	,	,	PUNCT
fsr-3429	707	21	b.	b.	PROPN
fsr-3429	707	22	(	(	PUNCT
fsr-3429	707	23	2015	2015	NUM
fsr-3429	707	24	)	)	PUNCT
fsr-3429	707	25	.	.	PUNCT
fsr-3429	708	1	can	can	AUX
fsr-3429	708	2	you	you	PRON
fsr-3429	708	3	help	help	VERB
fsr-3429	708	4	someone	someone	PRON
fsr-3429	708	5	become	become	VERB
fsr-3429	708	6	financially	financially	ADV
fsr-3429	708	7	capable	capable	ADJ
fsr-3429	708	8	?	?	PUNCT
fsr-3429	709	1	a	a	DET
fsr-3429	709	2	meta	meta	ADJ
fsr-3429	709	3	-	-	PUNCT
fsr-3429	709	4	analysis	analysis	NOUN
fsr-3429	709	5	of	of	ADP
fsr-3429	709	6	the	the	DET
fsr-3429	709	7	literature	literature	NOUN
fsr-3429	709	8	.	.	PUNCT
fsr-3429	710	1	the	the	DET
fsr-3429	710	2	world	world	PROPN
fsr-3429	710	3	bank	bank	PROPN
fsr-3429	710	4	research	research	PROPN
fsr-3429	710	5	observer	observer	PROPN
fsr-3429	710	6	,	,	PUNCT
fsr-3429	710	7	30	30	NUM
fsr-3429	710	8	,	,	PUNCT
fsr-3429	710	9	220–246	220–246	NUM
fsr-3429	710	10	.	.	PUNCT
fsr-3429	711	1	morrissey	morrissey	PROPN
fsr-3429	711	2	,	,	PUNCT
fsr-3429	711	3	m.	m.	NOUN
fsr-3429	711	4	(	(	PUNCT
fsr-3429	711	5	2016	2016	NUM
fsr-3429	711	6	)	)	PUNCT
fsr-3429	711	7	.	.	PUNCT
fsr-3429	712	1	the	the	DET
fsr-3429	712	2	state	state	NOUN
fsr-3429	712	3	of	of	ADP
fsr-3429	712	4	american	american	PROPN
fsr-3429	712	5	retirement	retirement	PROPN
fsr-3429	712	6	.	.	PUNCT
fsr-3429	713	1	retirement	retirement	NOUN
fsr-3429	713	2	inequality	inequality	PROPN
fsr-3429	713	3	chartbook	chartbook	VERB
fsr-3429	713	4	,	,	PUNCT
fsr-3429	713	5	03	03	NUM
fsr-3429	713	6	march	march	NOUN
fsr-3429	713	7	.	.	PUNCT
fsr-3429	714	1	(	(	PUNCT
fsr-3429	714	2	available	available	ADJ
fsr-3429	714	3	at	at	ADP
fsr-3429	714	4	http://www.epi.org/publication/retirement-in-america/	http://www.epi.org/publication/retirement-in-america/	NOUN
fsr-3429	714	5	)	)	PUNCT
fsr-3429	714	6	national	national	ADJ
fsr-3429	714	7	treasury	treasury	NOUN
fsr-3429	714	8	.	.	PUNCT
fsr-3429	715	1	(	(	PUNCT
fsr-3429	715	2	2014).statement	2014).statement	NOUN
fsr-3429	715	3	on	on	ADP
fsr-3429	715	4	the	the	DET
fsr-3429	715	5	impact	impact	NOUN
fsr-3429	715	6	of	of	ADP
fsr-3429	715	7	the	the	DET
fsr-3429	715	8	proposed	propose	VERB
fsr-3429	715	9	retirement	retirement	NOUN
fsr-3429	715	10	reforms	reform	NOUN
fsr-3429	715	11	.	.	PUNCT
fsr-3429	716	1	(	(	PUNCT
fsr-3429	716	2	available	available	ADJ
fsr-3429	716	3	at	at	ADP
fsr-3429	716	4	http://	http://	PROPN
fsr-3429	716	5	www.treasury.gov.za/comm_media/press/2014/2014070901-statement	www.treasury.gov.za/comm_media/press/2014/2014070901-statement	PROPN
fsr-3429	716	6	on	on	ADP
fsr-3429	716	7	the	the	DET
fsr-3429	716	8	impact	impact	NOUN
fsr-3429	716	9	of	of	ADP
fsr-3429	716	10	the	the	DET
fsr-3429	716	11	proposed	propose	VERB
fsr-3429	716	12	retirement	retirement	NOUN
fsr-3429	716	13	reforms.pdf	reforms.pdf	PROPN
fsr-3429	716	14	)	)	PUNCT
fsr-3429	716	15	olsen	olsen	PROPN
fsr-3429	716	16	,	,	PUNCT
fsr-3429	716	17	a.	a.	PROPN
fsr-3429	716	18	,	,	PUNCT
fsr-3429	716	19	&	&	CCONJ
fsr-3429	716	20	whitman	whitman	PROPN
fsr-3429	716	21	,	,	PUNCT
fsr-3429	716	22	k.	k.	PROPN
fsr-3429	716	23	(	(	PUNCT
fsr-3429	716	24	2007	2007	NUM
fsr-3429	716	25	)	)	PUNCT
fsr-3429	716	26	.	.	PUNCT
fsr-3429	717	1	effective	effective	ADJ
fsr-3429	717	2	retirement	retirement	NOUN
fsr-3429	717	3	savings	saving	NOUN
fsr-3429	717	4	programs	program	NOUN
fsr-3429	717	5	:	:	PUNCT
fsr-3429	717	6	design	design	NOUN
fsr-3429	717	7	features	feature	NOUN
fsr-3429	717	8	and	and	CCONJ
fsr-3429	717	9	financial	financial	ADJ
fsr-3429	717	10	education	education	NOUN
fsr-3429	717	11	.	.	PUNCT
fsr-3429	718	1	social	social	ADJ
fsr-3429	718	2	security	security	NOUN
fsr-3429	718	3	bulletin	bulletin	NOUN
fsr-3429	718	4	,	,	PUNCT
fsr-3429	718	5	67	67	NUM
fsr-3429	718	6	,	,	PUNCT
fsr-3429	718	7	53–72	53–72	NUM
fsr-3429	718	8	.	.	PUNCT
fsr-3429	719	1	roodman	roodman	PROPN
fsr-3429	719	2	,	,	PUNCT
fsr-3429	719	3	d.	d.	PROPN
fsr-3429	719	4	(	(	PUNCT
fsr-3429	719	5	2011	2011	NUM
fsr-3429	719	6	)	)	PUNCT
fsr-3429	719	7	.	.	PUNCT
fsr-3429	720	1	fitting	fitting	ADJ
fsr-3429	720	2	fully	fully	ADV
fsr-3429	720	3	observed	observe	VERB
fsr-3429	720	4	recursive	recursive	ADJ
fsr-3429	720	5	mixed	mixed	ADJ
fsr-3429	720	6	-	-	PUNCT
fsr-3429	720	7	process	process	NOUN
fsr-3429	720	8	models	model	NOUN
fsr-3429	720	9	with	with	ADP
fsr-3429	720	10	cmpo	cmpo	NOUN
fsr-3429	720	11	.	.	PUNCT
fsr-3429	721	1	the	the	DET
fsr-3429	721	2	stata	stata	PROPN
fsr-3429	721	3	journal	journal	PROPN
fsr-3429	721	4	:	:	PUNCT
fsr-3429	721	5	promoting	promote	VERB
fsr-3429	721	6	communications	communication	NOUN
fsr-3429	721	7	on	on	ADP
fsr-3429	721	8	statistics	statistic	NOUN
fsr-3429	721	9	and	and	CCONJ
fsr-3429	721	10	stata	stata	NOUN
fsr-3429	721	11	,	,	PUNCT
fsr-3429	721	12	11	11	NUM
fsr-3429	721	13	,	,	PUNCT
fsr-3429	721	14	159–206	159–206	NUM
fsr-3429	721	15	.	.	PUNCT
fsr-3429	721	16	sekita	sekita	PROPN
fsr-3429	721	17	,	,	PUNCT
fsr-3429	721	18	s.	s.	PROPN
fsr-3429	721	19	(	(	PUNCT
fsr-3429	721	20	2011	2011	NUM
fsr-3429	721	21	)	)	PUNCT
fsr-3429	721	22	.	.	PUNCT
fsr-3429	722	1	financial	financial	ADJ
fsr-3429	722	2	literacy	literacy	NOUN
fsr-3429	722	3	and	and	CCONJ
fsr-3429	722	4	retirement	retirement	NOUN
fsr-3429	722	5	planning	planning	NOUN
fsr-3429	722	6	in	in	ADP
fsr-3429	722	7	japan	japan	PROPN
fsr-3429	722	8	.	.	PUNCT
fsr-3429	723	1	journal	journal	PROPN
fsr-3429	723	2	of	of	ADP
fsr-3429	723	3	pension	pension	NOUN
fsr-3429	723	4	economics	economic	NOUN
fsr-3429	723	5	and	and	CCONJ
fsr-3429	723	6	finance	finance	NOUN
fsr-3429	723	7	,	,	PUNCT
fsr-3429	723	8	10	10	NUM
fsr-3429	723	9	,	,	PUNCT
fsr-3429	723	10	637–656	637–656	NUM
fsr-3429	723	11	.	.	PUNCT
fsr-3429	724	1	shillington	shillington	PROPN
fsr-3429	724	2	,	,	PUNCT
fsr-3429	724	3	r.	r.	PROPN
fsr-3429	724	4	(	(	PUNCT
fsr-3429	724	5	2016).we’re	2016).we’re	NUM
fsr-3429	724	6	facing	face	VERB
fsr-3429	724	7	a	a	DET
fsr-3429	724	8	wave	wave	NOUN
fsr-3429	724	9	of	of	ADP
fsr-3429	724	10	seniors	senior	NOUN
fsr-3429	724	11	living	live	VERB
fsr-3429	724	12	in	in	ADP
fsr-3429	724	13	poverty	poverty	NOUN
fsr-3429	724	14	and	and	CCONJ
fsr-3429	724	15	we	we	PRON
fsr-3429	724	16	’re	’re	VERB
fsr-3429	724	17	not	not	PART
fsr-3429	724	18	ready	ready	ADJ
fsr-3429	724	19	.	.	PUNCT
fsr-3429	725	1	ipolitics	ipolitic	NOUN
fsr-3429	725	2	,	,	PUNCT
fsr-3429	725	3	17	17	NUM
fsr-3429	725	4	february	february	NOUN
fsr-3429	725	5	.	.	PUNCT
fsr-3429	726	1	(	(	PUNCT
fsr-3429	726	2	available	available	ADJ
fsr-3429	726	3	at	at	ADP
fsr-3429	726	4	https://ipolitics.ca/2016/02/17/were-facing-a-wave-of-seniors-living-in-poverty-andwere-not-ready/	https://ipolitics.ca/2016/02/17/were-facing-a-wave-of-seniors-living-in-poverty-andwere-not-ready/	NOUN
fsr-3429	726	5	)	)	PUNCT
fsr-3429	726	6	skimmyhorn	skimmyhorn	PROPN
fsr-3429	726	7	,	,	PUNCT
fsr-3429	726	8	w.	w.	NOUN
fsr-3429	726	9	(	(	PUNCT
fsr-3429	726	10	2016	2016	NUM
fsr-3429	726	11	)	)	PUNCT
fsr-3429	726	12	.	.	PUNCT
fsr-3429	727	1	assessing	assess	VERB
fsr-3429	727	2	financial	financial	ADJ
fsr-3429	727	3	education	education	NOUN
fsr-3429	727	4	:	:	PUNCT
fsr-3429	727	5	evidence	evidence	NOUN
fsr-3429	727	6	from	from	ADP
fsr-3429	727	7	boot	boot	NOUN
fsr-3429	727	8	camp	camp	NOUN
fsr-3429	727	9	.	.	PUNCT
fsr-3429	728	1	american	american	ADJ
fsr-3429	728	2	economic	economic	PROPN
fsr-3429	728	3	journal	journal	PROPN
fsr-3429	728	4	:	:	PUNCT
fsr-3429	728	5	economic	economic	ADJ
fsr-3429	728	6	policy	policy	NOUN
fsr-3429	728	7	,	,	PUNCT
fsr-3429	728	8	8	8	NUM
fsr-3429	728	9	,	,	PUNCT
fsr-3429	728	10	322–343	322–343	NUM
fsr-3429	728	11	.	.	PUNCT
fsr-3429	729	1	statistics	statistics	PROPN
fsr-3429	729	2	south	south	PROPN
fsr-3429	729	3	africa	africa	PROPN
fsr-3429	729	4	.	.	PUNCT
fsr-3429	730	1	(	(	PUNCT
fsr-3429	730	2	2018	2018	NUM
fsr-3429	730	3	)	)	PUNCT
fsr-3429	730	4	.	.	PUNCT
fsr-3429	731	1	quarterly	quarterly	ADJ
fsr-3429	731	2	labour	labour	NOUN
fsr-3429	731	3	force	force	NOUN
fsr-3429	731	4	survey	survey	NOUN
fsr-3429	731	5	.	.	PUNCT
fsr-3429	732	1	quarter	quarter	NOUN
fsr-3429	732	2	2	2	NUM
fsr-3429	732	3	.	.	PUNCT
fsr-3429	733	1	(	(	PUNCT
fsr-3429	733	2	available	available	ADJ
fsr-3429	733	3	at	at	ADP
fsr-3429	733	4	http://www.statssa.gov	http://www.statssa.gov	PROPN
fsr-3429	733	5	.	.	PUNCT
fsr-3429	734	1	za	za	PROPN
fsr-3429	734	2	/	/	SYM
fsr-3429	734	3	publications	publication	NOUN
fsr-3429	734	4	/	/	SYM
fsr-3429	734	5	p0211	p0211	PROPN
fsr-3429	734	6	/	/	SYM
fsr-3429	734	7	p02112ndquarter2018.pdf	p02112ndquarter2018.pdf	NOUN
fsr-3429	734	8	)	)	PUNCT
fsr-3429	734	9	taylor	taylor	PROPN
fsr-3429	734	10	,	,	PUNCT
fsr-3429	734	11	v.	v.	PROPN
fsr-3429	734	12	(	(	PUNCT
fsr-3429	734	13	2002	2002	NUM
fsr-3429	734	14	)	)	PUNCT
fsr-3429	734	15	.	.	PUNCT
fsr-3429	735	1	transforming	transform	VERB
fsr-3429	735	2	the	the	DET
fsr-3429	735	3	present	present	NOUN
fsr-3429	735	4	protecting	protect	VERB
fsr-3429	735	5	the	the	DET
fsr-3429	735	6	future	future	NOUN
fsr-3429	735	7	.	.	PUNCT
fsr-3429	736	1	report	report	NOUN
fsr-3429	736	2	of	of	ADP
fsr-3429	736	3	the	the	DET
fsr-3429	736	4	committee	committee	NOUN
fsr-3429	736	5	of	of	ADP
fsr-3429	736	6	inquiry	inquiry	NOUN
fsr-3429	736	7	into	into	ADP
fsr-3429	736	8	a	a	DET
fsr-3429	736	9	comprehensive	comprehensive	ADJ
fsr-3429	736	10	system	system	NOUN
fsr-3429	736	11	of	of	ADP
fsr-3429	736	12	social	social	ADJ
fsr-3429	736	13	security	security	NOUN
fsr-3429	736	14	for	for	ADP
fsr-3429	736	15	south	south	PROPN
fsr-3429	736	16	africa	africa	PROPN
fsr-3429	736	17	.	.	PUNCT
fsr-3429	737	1	(	(	PUNCT
fsr-3429	737	2	available	available	ADJ
fsr-3429	737	3	at	at	ADP
fsr-3429	737	4	http://www.ci.org.za/depts/ci/pubs/	http://www.ci.org.za/depts/ci/pubs/	PROPN
fsr-3429	737	5	pdf	pdf	NOUN
fsr-3429	737	6	/	/	SYM
fsr-3429	737	7	poverty	poverty	NOUN
fsr-3429	737	8	/	/	SYM
fsr-3429	737	9	news	news	NOUN
fsr-3429	737	10	/	/	SYM
fsr-3429	737	11	report_release_of_coi.pdf	report_release_of_coi.pdf	NOUN
fsr-3429	737	12	)	)	PUNCT
fsr-3429	737	13	thaler	thaler	NOUN
fsr-3429	737	14	,	,	PUNCT
fsr-3429	737	15	r.	r.	PROPN
fsr-3429	737	16	,	,	PUNCT
fsr-3429	737	17	&	&	CCONJ
fsr-3429	737	18	sunstein	sunstein	PROPN
fsr-3429	737	19	,	,	PUNCT
fsr-3429	737	20	c.	c.	PROPN
fsr-3429	737	21	r.	r.	PROPN
fsr-3429	737	22	(	(	PUNCT
fsr-3429	737	23	2008	2008	NUM
fsr-3429	737	24	)	)	PUNCT
fsr-3429	737	25	.	.	PUNCT
fsr-3429	738	1	nudge	nudge	VERB
fsr-3429	738	2	:	:	PUNCT
fsr-3429	738	3	improving	improve	VERB
fsr-3429	738	4	decisions	decision	NOUN
fsr-3429	738	5	about	about	ADP
fsr-3429	738	6	health	health	NOUN
fsr-3429	738	7	,	,	PUNCT
fsr-3429	738	8	wealth	wealth	NOUN
fsr-3429	738	9	and	and	CCONJ
fsr-3429	738	10	happiness	happiness	NOUN
fsr-3429	738	11	(	(	PUNCT
fsr-3429	738	12	p.	p.	NOUN
fsr-3429	738	13	6	6	NUM
fsr-3429	738	14	)	)	PUNCT
fsr-3429	738	15	.	.	PUNCT
fsr-3429	739	1	(	(	PUNCT
fsr-3429	739	2	available	available	ADJ
fsr-3429	739	3	at	at	ADP
fsr-3429	739	4	https://assets1c.milkeninstitute.org/assets/publication/mireview/pdf/67-85mr40.pdf	https://assets1c.milkeninstitute.org/assets/publication/mireview/pdf/67-85mr40.pdf	PROPN
fsr-3429	739	5	)	)	PUNCT
fsr-3429	739	6	van	van	PROPN
fsr-3429	739	7	rooij	rooij	NOUN
fsr-3429	739	8	,	,	PUNCT
fsr-3429	739	9	m.	m.	NOUN
fsr-3429	739	10	,	,	PUNCT
fsr-3429	739	11	lusardi	lusardi	PROPN
fsr-3429	739	12	,	,	PUNCT
fsr-3429	739	13	a.	a.	NOUN
fsr-3429	739	14	,	,	PUNCT
fsr-3429	739	15	&	&	CCONJ
fsr-3429	739	16	alessie	alessie	PROPN
fsr-3429	739	17	,	,	PUNCT
fsr-3429	739	18	r.	r.	PROPN
fsr-3429	739	19	(	(	PUNCT
fsr-3429	739	20	2011	2011	NUM
fsr-3429	739	21	)	)	PUNCT
fsr-3429	739	22	.	.	PUNCT
fsr-3429	740	1	financial	financial	ADJ
fsr-3429	740	2	literacy	literacy	NOUN
fsr-3429	740	3	and	and	CCONJ
fsr-3429	740	4	stock	stock	NOUN
fsr-3429	740	5	market	market	NOUN
fsr-3429	740	6	participation	participation	NOUN
fsr-3429	740	7	.	.	PUNCT
fsr-3429	741	1	journal	journal	NOUN
fsr-3429	741	2	of	of	ADP
fsr-3429	741	3	financial	financial	ADJ
fsr-3429	741	4	economics	economic	NOUN
fsr-3429	741	5	,	,	PUNCT
fsr-3429	741	6	101	101	NUM
fsr-3429	741	7	,	,	PUNCT
fsr-3429	741	8	449–472	449–472	NUM
fsr-3429	741	9	.	.	PUNCT
fsr-3429	742	1	willimack	willimack	VERB
fsr-3429	742	2	,	,	PUNCT
fsr-3429	742	3	d.	d.	PROPN
fsr-3429	742	4	k.	k.	PROPN
fsr-3429	742	5	,	,	PUNCT
fsr-3429	742	6	lyberg	lyberg	PROPN
fsr-3429	742	7	,	,	PUNCT
fsr-3429	742	8	l.	l.	PROPN
fsr-3429	742	9	,	,	PUNCT
fsr-3429	742	10	martin	martin	PROPN
fsr-3429	742	11	,	,	PUNCT
fsr-3429	742	12	j.	j.	PROPN
fsr-3429	742	13	,	,	PUNCT
fsr-3429	742	14	japec	japec	PROPN
fsr-3429	742	15	,	,	PUNCT
fsr-3429	742	16	l.	l.	PROPN
fsr-3429	742	17	,	,	PUNCT
fsr-3429	742	18	&	&	CCONJ
fsr-3429	742	19	whitridge	whitridge	PROPN
fsr-3429	742	20	,	,	PUNCT
fsr-3429	742	21	p.	p.	NOUN
fsr-3429	742	22	(	(	PUNCT
fsr-3429	742	23	2004).evolution	2004).evolution	NOUN
fsr-3429	742	24	and	and	CCONJ
fsr-3429	742	25	adaptation	adaptation	NOUN
fsr-3429	742	26	of	of	ADP
fsr-3429	742	27	questionnaire	questionnaire	NOUN
fsr-3429	742	28	development	development	NOUN
fsr-3429	742	29	,	,	PUNCT
fsr-3429	742	30	evaluation	evaluation	NOUN
fsr-3429	742	31	,	,	PUNCT
fsr-3429	742	32	and	and	CCONJ
fsr-3429	742	33	testing	testing	NOUN
fsr-3429	742	34	methods	method	NOUN
fsr-3429	742	35	for	for	ADP
fsr-3429	742	36	establishment	establishment	NOUN
fsr-3429	742	37	surveys	survey	NOUN
fsr-3429	742	38	.	.	PUNCT
fsr-3429	743	1	in	in	ADP
fsr-3429	743	2	:	:	PUNCT
fsr-3429	743	3	s.	s.	PROPN
fsr-3429	743	4	presser	presser	PROPN
fsr-3429	743	5	,	,	PUNCT
fsr-3429	743	6	j.	j.	PROPN
fsr-3429	743	7	m.	m.	PROPN
fsr-3429	743	8	rothgeb	rothgeb	PROPN
fsr-3429	743	9	,	,	PUNCT
fsr-3429	743	10	m.	m.	NOUN
fsr-3429	743	11	p.	p.	PROPN
fsr-3429	743	12	cooper	cooper	PROPN
fsr-3429	743	13	,	,	PUNCT
fsr-3429	743	14	j.	j.	PROPN
fsr-3429	743	15	t.	t.	PROPN
fsr-3429	743	16	lessler	lessler	PROPN
fsr-3429	743	17	,	,	PUNCT
fsr-3429	743	18	e.	e.	PROPN
fsr-3429	743	19	martin	martin	PROPN
fsr-3429	743	20	,	,	PUNCT
fsr-3429	743	21	j.	j.	PROPN
fsr-3429	743	22	martin	martin	PROPN
fsr-3429	743	23	&	&	CCONJ
fsr-3429	743	24	e.	e.	PROPN
fsr-3429	743	25	singer	singer	PROPN
fsr-3429	743	26	(	(	PUNCT
fsr-3429	743	27	eds.),methods	eds.),method	NOUN
fsr-3429	743	28	for	for	ADP
fsr-3429	743	29	testing	testing	NOUN
fsr-3429	743	30	and	and	CCONJ
fsr-3429	743	31	evaluating	evaluate	VERB
fsr-3429	743	32	survey	survey	NOUN
fsr-3429	743	33	questionnaires	questionnaire	NOUN
fsr-3429	743	34	.	.	PUNCT
fsr-3429	744	1	new	new	PROPN
fsr-3429	744	2	york	york	PROPN
fsr-3429	744	3	:	:	PUNCT
fsr-3429	744	4	wiley	wiley	PROPN
fsr-3429	744	5	xu	xu	PROPN
fsr-3429	744	6	,	,	PUNCT
fsr-3429	744	7	l.	l.	PROPN
fsr-3429	744	8	,	,	PUNCT
fsr-3429	744	9	&	&	CCONJ
fsr-3429	744	10	zia	zia	PROPN
fsr-3429	744	11	,	,	PUNCT
fsr-3429	744	12	b.	b.	PROPN
fsr-3429	744	13	(	(	PUNCT
fsr-3429	744	14	2012	2012	NUM
fsr-3429	744	15	)	)	PUNCT
fsr-3429	744	16	.	.	PUNCT
fsr-3429	745	1	financial	financial	ADJ
fsr-3429	745	2	literacy	literacy	NOUN
fsr-3429	745	3	around	around	ADP
fsr-3429	745	4	the	the	DET
fsr-3429	745	5	world	world	NOUN
fsr-3429	745	6	:	:	PUNCT
fsr-3429	745	7	an	an	DET
fsr-3429	745	8	overview	overview	NOUN
fsr-3429	745	9	of	of	ADP
fsr-3429	745	10	the	the	DET
fsr-3429	745	11	evidence	evidence	NOUN
fsr-3429	745	12	with	with	ADP
fsr-3429	745	13	practical	practical	ADJ
fsr-3429	745	14	suggestions	suggestion	NOUN
fsr-3429	745	15	for	for	ADP
fsr-3429	745	16	the	the	DET
fsr-3429	745	17	way	way	NOUN
fsr-3429	745	18	forward	forward	ADV
fsr-3429	745	19	.	.	PUNCT
fsr-3429	746	1	policy	policy	NOUN
fsr-3429	746	2	research	research	NOUN
fsr-3429	746	3	working	working	NOUN
fsr-3429	746	4	paper	paper	NOUN
fsr-3429	746	5	,	,	PUNCT
fsr-3429	746	6	6107	6107	NUM
fsr-3429	746	7	,	,	PUNCT
fsr-3429	746	8	1–56	1–56	NUM
fsr-3429	746	9	.	.	PUNCT
fsr-3429	747	1	g.d	g.d	NOUN
fsr-3429	747	2	.	.	PROPN
fsr-3429	747	3	willows	willows	PROPN
fsr-3429	747	4	/	/	SYM
fsr-3429	747	5	financial	financial	ADJ
fsr-3429	747	6	services	service	NOUN
fsr-3429	747	7	review	review	VERB
fsr-3429	747	8	28	28	NUM
fsr-3429	747	9	(	(	PUNCT
fsr-3429	747	10	2020	2020	NUM
fsr-3429	747	11	)	)	PUNCT
fsr-3429	748	1	243–271	243–271	NUM
fsr-3429	748	2	271	271	NUM