id	sid	tid	token	lemma	pos
fsr-3432	1	1	from	from	ADP
fsr-3432	1	2	the	the	DET
fsr-3432	1	3	editor	editor	NOUN
fsr-3432	1	4	this	this	DET
fsr-3432	1	5	issue	issue	NOUN
fsr-3432	1	6	contains	contain	VERB
fsr-3432	1	7	volume	volume	NOUN
fsr-3432	1	8	28	28	NUM
fsr-3432	1	9	issue	issue	NOUN
fsr-3432	1	10	4	4	NUM
fsr-3432	1	11	of	of	ADP
fsr-3432	1	12	financial	financial	ADJ
fsr-3432	1	13	services	service	NOUN
fsr-3432	1	14	review	review	NOUN
fsr-3432	1	15	(	(	PUNCT
fsr-3432	1	16	fsr	fsr	PROPN
fsr-3432	1	17	)	)	PUNCT
fsr-3432	1	18	.	.	PUNCT
fsr-3432	2	1	this	this	DET
fsr-3432	2	2	issue	issue	NOUN
fsr-3432	2	3	is	be	AUX
fsr-3432	2	4	our	our	PRON
fsr-3432	2	5	special	special	ADJ
fsr-3432	2	6	issue	issue	NOUN
fsr-3432	2	7	on	on	ADP
fsr-3432	2	8	financial	financial	ADJ
fsr-3432	2	9	literacy	literacy	NOUN
fsr-3432	2	10	.	.	PUNCT
fsr-3432	3	1	we	we	PRON
fsr-3432	3	2	thank	thank	VERB
fsr-3432	3	3	the	the	DET
fsr-3432	3	4	many	many	ADJ
fsr-3432	3	5	authors	author	NOUN
fsr-3432	3	6	that	that	PRON
fsr-3432	3	7	submitted	submit	VERB
fsr-3432	3	8	articles	article	NOUN
fsr-3432	3	9	for	for	ADP
fsr-3432	3	10	consideration	consideration	NOUN
fsr-3432	3	11	for	for	ADP
fsr-3432	3	12	this	this	DET
fsr-3432	3	13	issue	issue	NOUN
fsr-3432	3	14	.	.	PUNCT
fsr-3432	4	1	interest	interest	NOUN
fsr-3432	4	2	in	in	ADP
fsr-3432	4	3	this	this	DET
fsr-3432	4	4	area	area	NOUN
fsr-3432	4	5	of	of	ADP
fsr-3432	4	6	financial	financial	ADJ
fsr-3432	4	7	planning	planning	NOUN
fsr-3432	4	8	has	have	AUX
fsr-3432	4	9	been	be	AUX
fsr-3432	4	10	tremendous	tremendous	ADJ
fsr-3432	4	11	.	.	PUNCT
fsr-3432	5	1	in	in	ADP
fsr-3432	5	2	fact	fact	NOUN
fsr-3432	5	3	the	the	DET
fsr-3432	5	4	reception	reception	NOUN
fsr-3432	5	5	was	be	AUX
fsr-3432	5	6	so	so	ADV
fsr-3432	5	7	well	well	ADV
fsr-3432	5	8	received	receive	VERB
fsr-3432	5	9	,	,	PUNCT
fsr-3432	5	10	we	we	PRON
fsr-3432	5	11	will	will	AUX
fsr-3432	5	12	have	have	VERB
fsr-3432	5	13	an	an	DET
fsr-3432	5	14	additional	additional	ADJ
fsr-3432	5	15	financial	financial	ADJ
fsr-3432	5	16	literacy	literacy	NOUN
fsr-3432	5	17	issue	issue	NOUN
fsr-3432	5	18	in	in	ADP
fsr-3432	5	19	2021	2021	NUM
fsr-3432	5	20	.	.	PUNCT
fsr-3432	6	1	i	i	PRON
fsr-3432	6	2	would	would	AUX
fsr-3432	6	3	like	like	VERB
fsr-3432	6	4	to	to	PART
fsr-3432	6	5	thank	thank	VERB
fsr-3432	6	6	my	my	PRON
fsr-3432	6	7	co	co	NOUN
fsr-3432	6	8	-	-	NOUN
fsr-3432	6	9	editor	editor	NOUN
fsr-3432	6	10	,	,	PUNCT
fsr-3432	6	11	terrance	terrance	PROPN
fsr-3432	6	12	martin	martin	PROPN
fsr-3432	6	13	at	at	ADP
fsr-3432	6	14	utah	utah	PROPN
fsr-3432	6	15	valley	valley	PROPN
fsr-3432	6	16	university	university	PROPN
fsr-3432	6	17	for	for	ADP
fsr-3432	6	18	his	his	PRON
fsr-3432	6	19	wonderful	wonderful	ADJ
fsr-3432	6	20	insight	insight	NOUN
fsr-3432	6	21	and	and	CCONJ
fsr-3432	6	22	assistance	assistance	NOUN
fsr-3432	6	23	on	on	ADP
fsr-3432	6	24	this	this	DET
fsr-3432	6	25	special	special	ADJ
fsr-3432	6	26	issue	issue	NOUN
fsr-3432	6	27	.	.	PUNCT
fsr-3432	7	1	i	i	PRON
fsr-3432	7	2	would	would	AUX
fsr-3432	7	3	like	like	VERB
fsr-3432	7	4	to	to	PART
fsr-3432	7	5	thank	thank	VERB
fsr-3432	7	6	the	the	DET
fsr-3432	7	7	board	board	NOUN
fsr-3432	7	8	and	and	CCONJ
fsr-3432	7	9	members	member	NOUN
fsr-3432	7	10	of	of	ADP
fsr-3432	7	11	the	the	DET
fsr-3432	7	12	academy	academy	NOUN
fsr-3432	7	13	of	of	ADP
fsr-3432	7	14	financial	financial	ADJ
fsr-3432	7	15	services	service	NOUN
fsr-3432	7	16	for	for	ADP
fsr-3432	7	17	their	their	PRON
fsr-3432	7	18	continued	continue	VERB
fsr-3432	7	19	support	support	NOUN
fsr-3432	7	20	.	.	PUNCT
fsr-3432	8	1	i	i	PRON
fsr-3432	8	2	continue	continue	VERB
fsr-3432	8	3	to	to	PART
fsr-3432	8	4	work	work	VERB
fsr-3432	8	5	in	in	ADP
fsr-3432	8	6	broadening	broaden	VERB
fsr-3432	8	7	the	the	DET
fsr-3432	8	8	scope	scope	NOUN
fsr-3432	8	9	of	of	ADP
fsr-3432	8	10	articles	article	NOUN
fsr-3432	8	11	,	,	PUNCT
fsr-3432	8	12	while	while	SCONJ
fsr-3432	8	13	still	still	ADV
fsr-3432	8	14	focusing	focus	VERB
fsr-3432	8	15	on	on	ADP
fsr-3432	8	16	individual	individual	ADJ
fsr-3432	8	17	financial	financial	ADJ
fsr-3432	8	18	management	management	NOUN
fsr-3432	8	19	and	and	CCONJ
fsr-3432	8	20	personal	personal	ADJ
fsr-3432	8	21	financial	financial	ADJ
fsr-3432	8	22	planning	planning	NOUN
fsr-3432	8	23	.	.	PUNCT
fsr-3432	9	1	i	i	PRON
fsr-3432	9	2	encourage	encourage	VERB
fsr-3432	9	3	authors	author	NOUN
fsr-3432	9	4	to	to	PART
fsr-3432	9	5	reach	reach	VERB
fsr-3432	9	6	out	out	ADP
fsr-3432	9	7	when	when	SCONJ
fsr-3432	9	8	discussing	discuss	VERB
fsr-3432	9	9	implications	implication	NOUN
fsr-3432	9	10	of	of	ADP
fsr-3432	9	11	their	their	PRON
fsr-3432	9	12	findings	finding	NOUN
fsr-3432	9	13	in	in	ADP
fsr-3432	9	14	a	a	DET
fsr-3432	9	15	more	more	ADV
fsr-3432	9	16	comprehensive	comprehensive	ADJ
fsr-3432	9	17	way	way	NOUN
fsr-3432	9	18	.	.	PUNCT
fsr-3432	10	1	as	as	SCONJ
fsr-3432	10	2	such	such	ADJ
fsr-3432	10	3	,	,	PUNCT
fsr-3432	10	4	all	all	DET
fsr-3432	10	5	articles	article	NOUN
fsr-3432	10	6	in	in	ADP
fsr-3432	10	7	the	the	DET
fsr-3432	10	8	journal	journal	NOUN
fsr-3432	10	9	more	more	ADV
fsr-3432	10	10	appropriately	appropriately	ADV
fsr-3432	10	11	relate	relate	VERB
fsr-3432	10	12	to	to	ADP
fsr-3432	10	13	financial	financial	ADJ
fsr-3432	10	14	planning	planning	NOUN
fsr-3432	10	15	issues	issue	NOUN
fsr-3432	10	16	.	.	PUNCT
fsr-3432	11	1	the	the	DET
fsr-3432	11	2	lead	lead	ADJ
fsr-3432	11	3	article	article	NOUN
fsr-3432	11	4	“	"	PUNCT
fsr-3432	11	5	financial	financial	ADJ
fsr-3432	11	6	literacy	literacy	NOUN
fsr-3432	11	7	,	,	PUNCT
fsr-3432	11	8	attitudes	attitude	NOUN
fsr-3432	11	9	,	,	PUNCT
fsr-3432	11	10	and	and	CCONJ
fsr-3432	11	11	financial	financial	ADJ
fsr-3432	11	12	satisfaction	satisfaction	NOUN
fsr-3432	11	13	:	:	PUNCT
fsr-3432	11	14	an	an	DET
fsr-3432	11	15	assessment	assessment	NOUN
fsr-3432	11	16	of	of	ADP
fsr-3432	11	17	credit	credit	NOUN
fsr-3432	11	18	card	card	NOUN
fsr-3432	11	19	debt	debt	NOUN
fsr-3432	11	20	-	-	PUNCT
fsr-3432	11	21	taking	take	VERB
fsr-3432	11	22	behavior	behavior	NOUN
fsr-3432	11	23	of	of	ADP
fsr-3432	11	24	australians	australians	PROPN
fsr-3432	11	25	”	"	PUNCT
fsr-3432	11	26	is	be	AUX
fsr-3432	11	27	coauthored	coauthore	VERB
fsr-3432	11	28	by	by	ADP
fsr-3432	11	29	muhammad	muhammad	PROPN
fsr-3432	11	30	s.	s.	PROPN
fsr-3432	11	31	tahir	tahir	PROPN
fsr-3432	11	32	,	,	PUNCT
fsr-3432	11	33	daniel	daniel	PROPN
fsr-3432	11	34	w.	w.	PROPN
fsr-3432	11	35	richards	richards	PROPN
fsr-3432	11	36	,	,	PUNCT
fsr-3432	11	37	and	and	CCONJ
fsr-3432	11	38	abdullahi	abdullahi	PROPN
fsr-3432	11	39	d.	d.	PROPN
fsr-3432	11	40	ahmed	ahmed	PROPN
fsr-3432	11	41	,	,	PUNCT
fsr-3432	11	42	all	all	PRON
fsr-3432	11	43	at	at	ADP
fsr-3432	11	44	rmit	rmit	PROPN
fsr-3432	11	45	university	university	PROPN
fsr-3432	11	46	,	,	PUNCT
fsr-3432	11	47	melbourne	melbourne	PROPN
fsr-3432	11	48	,	,	PUNCT
fsr-3432	11	49	victoria	victoria	PROPN
fsr-3432	11	50	,	,	PUNCT
fsr-3432	11	51	australia	australia	PROPN
fsr-3432	11	52	.	.	PUNCT
fsr-3432	12	1	the	the	DET
fsr-3432	12	2	authors	author	NOUN
fsr-3432	12	3	examine	examine	VERB
fsr-3432	12	4	the	the	DET
fsr-3432	12	5	relative	relative	ADJ
fsr-3432	12	6	strength	strength	NOUN
fsr-3432	12	7	of	of	ADP
fsr-3432	12	8	the	the	DET
fsr-3432	12	9	association	association	NOUN
fsr-3432	12	10	of	of	ADP
fsr-3432	12	11	financial	financial	ADJ
fsr-3432	12	12	literacy	literacy	NOUN
fsr-3432	12	13	,	,	PUNCT
fsr-3432	12	14	attitude	attitude	NOUN
fsr-3432	12	15	towards	towards	ADP
fsr-3432	12	16	balancing	balance	VERB
fsr-3432	12	17	spending	spending	NOUN
fsr-3432	12	18	and	and	CCONJ
fsr-3432	12	19	savings	saving	NOUN
fsr-3432	12	20	,	,	PUNCT
fsr-3432	12	21	and	and	CCONJ
fsr-3432	12	22	financial	financial	ADJ
fsr-3432	12	23	satisfaction	satisfaction	NOUN
fsr-3432	12	24	with	with	ADP
fsr-3432	12	25	credit	credit	NOUN
fsr-3432	12	26	card	card	NOUN
fsr-3432	12	27	debt	debt	NOUN
fsr-3432	12	28	-	-	PUNCT
fsr-3432	12	29	taking	take	VERB
fsr-3432	12	30	behavior	behavior	NOUN
fsr-3432	12	31	using	use	VERB
fsr-3432	12	32	the	the	DET
fsr-3432	12	33	2016	2016	NUM
fsr-3432	12	34	wave	wave	NOUN
fsr-3432	12	35	of	of	ADP
fsr-3432	12	36	the	the	DET
fsr-3432	12	37	household	household	NOUN
fsr-3432	12	38	,	,	PUNCT
fsr-3432	12	39	income	income	NOUN
fsr-3432	12	40	and	and	CCONJ
fsr-3432	12	41	labour	labour	NOUN
fsr-3432	12	42	dynamics	dynamic	NOUN
fsr-3432	12	43	in	in	ADP
fsr-3432	12	44	australia	australia	PROPN
fsr-3432	12	45	(	(	PUNCT
fsr-3432	12	46	hilda	hilda	PROPN
fsr-3432	12	47	)	)	PUNCT
fsr-3432	12	48	survey	survey	NOUN
fsr-3432	12	49	.	.	PUNCT
fsr-3432	13	1	they	they	PRON
fsr-3432	13	2	find	find	VERB
fsr-3432	13	3	that	that	SCONJ
fsr-3432	13	4	higher	high	ADJ
fsr-3432	13	5	financial	financial	ADJ
fsr-3432	13	6	literacy	literacy	NOUN
fsr-3432	13	7	is	be	AUX
fsr-3432	13	8	associated	associate	VERB
fsr-3432	13	9	with	with	ADP
fsr-3432	13	10	less	less	ADJ
fsr-3432	13	11	credit	credit	NOUN
fsr-3432	13	12	card	card	NOUN
fsr-3432	13	13	debt	debt	NOUN
fsr-3432	13	14	.	.	PUNCT
fsr-3432	14	1	based	base	VERB
fsr-3432	14	2	on	on	ADP
fsr-3432	14	3	their	their	PRON
fsr-3432	14	4	results	result	NOUN
fsr-3432	14	5	,	,	PUNCT
fsr-3432	14	6	they	they	PRON
fsr-3432	14	7	advise	advise	VERB
fsr-3432	14	8	policy	policy	NOUN
fsr-3432	14	9	-	-	PUNCT
fsr-3432	14	10	makers	maker	NOUN
fsr-3432	14	11	to	to	PART
fsr-3432	14	12	include	include	VERB
fsr-3432	14	13	components	component	NOUN
fsr-3432	14	14	in	in	ADP
fsr-3432	14	15	the	the	DET
fsr-3432	14	16	financial	financial	ADJ
fsr-3432	14	17	literacy	literacy	NOUN
fsr-3432	14	18	curricula	curricula	NOUN
fsr-3432	14	19	which	which	PRON
fsr-3432	14	20	encourage	encourage	VERB
fsr-3432	14	21	savings	saving	NOUN
fsr-3432	14	22	attitude	attitude	NOUN
fsr-3432	14	23	to	to	PART
fsr-3432	14	24	reduce	reduce	VERB
fsr-3432	14	25	problematic	problematic	ADJ
fsr-3432	14	26	debttaking	debttaking	NOUN
fsr-3432	14	27	.	.	PUNCT
fsr-3432	15	1	the	the	DET
fsr-3432	15	2	second	second	ADJ
fsr-3432	15	3	article	article	NOUN
fsr-3432	15	4	“	"	PUNCT
fsr-3432	15	5	can	can	AUX
fsr-3432	15	6	financial	financial	ADJ
fsr-3432	15	7	literacy	literacy	NOUN
fsr-3432	15	8	education	education	NOUN
fsr-3432	15	9	reduce	reduce	VERB
fsr-3432	15	10	the	the	DET
fsr-3432	15	11	use	use	NOUN
fsr-3432	15	12	of	of	ADP
fsr-3432	15	13	medicaid	medicaid	PROPN
fsr-3432	15	14	and	and	CCONJ
fsr-3432	15	15	snap	snap	VERB
fsr-3432	15	16	?	?	PUNCT
fsr-3432	15	17	”	"	PUNCT
fsr-3432	15	18	is	be	AUX
fsr-3432	15	19	coauthored	coauthore	VERB
fsr-3432	15	20	by	by	ADP
fsr-3432	15	21	abdullah	abdullah	PROPN
fsr-3432	15	22	al	al	PROPN
fsr-3432	15	23	-	-	PUNCT
fsr-3432	15	24	bahrani	bahrani	PROPN
fsr-3432	15	25	,	,	PUNCT
fsr-3432	15	26	northern	northern	ADJ
fsr-3432	15	27	kentucky	kentucky	PROPN
fsr-3432	15	28	university	university	PROPN
fsr-3432	15	29	,	,	PUNCT
fsr-3432	15	30	darshak	darshak	PROPN
fsr-3432	15	31	patel	patel	PROPN
fsr-3432	15	32	,	,	PUNCT
fsr-3432	15	33	university	university	NOUN
fsr-3432	15	34	college	college	PROPN
fsr-3432	15	35	of	of	ADP
fsr-3432	15	36	dublin	dublin	PROPN
fsr-3432	15	37	,	,	PUNCT
fsr-3432	15	38	ireland	ireland	PROPN
fsr-3432	15	39	,	,	PUNCT
fsr-3432	15	40	and	and	CCONJ
fsr-3432	15	41	jamie	jamie	PROPN
fsr-3432	15	42	weathers	weather	NOUN
fsr-3432	15	43	,	,	PUNCT
fsr-3432	15	44	western	western	PROPN
fsr-3432	15	45	michigan	michigan	PROPN
fsr-3432	15	46	university	university	PROPN
fsr-3432	15	47	.	.	PUNCT
fsr-3432	16	1	the	the	DET
fsr-3432	16	2	authors	author	NOUN
fsr-3432	16	3	explain	explain	VERB
fsr-3432	16	4	that	that	SCONJ
fsr-3432	16	5	policies	policy	NOUN
fsr-3432	16	6	supporting	support	VERB
fsr-3432	16	7	financial	financial	ADJ
fsr-3432	16	8	literacy	literacy	NOUN
fsr-3432	16	9	education	education	NOUN
fsr-3432	16	10	are	be	AUX
fsr-3432	16	11	promoted	promote	VERB
fsr-3432	16	12	as	as	ADP
fsr-3432	16	13	a	a	DET
fsr-3432	16	14	way	way	NOUN
fsr-3432	16	15	to	to	PART
fsr-3432	16	16	decrease	decrease	VERB
fsr-3432	16	17	reliance	reliance	NOUN
fsr-3432	16	18	on	on	ADP
fsr-3432	16	19	social	social	ADJ
fsr-3432	16	20	safety	safety	NOUN
fsr-3432	16	21	nets	net	NOUN
fsr-3432	16	22	.	.	PUNCT
fsr-3432	17	1	the	the	DET
fsr-3432	17	2	assumption	assumption	NOUN
fsr-3432	17	3	is	be	AUX
fsr-3432	17	4	that	that	SCONJ
fsr-3432	17	5	low	low	ADJ
fsr-3432	17	6	levels	level	NOUN
fsr-3432	17	7	of	of	ADP
fsr-3432	17	8	financial	financial	ADJ
fsr-3432	17	9	literacy	literacy	NOUN
fsr-3432	17	10	translate	translate	NOUN
fsr-3432	17	11	to	to	ADP
fsr-3432	17	12	lower	low	ADJ
fsr-3432	17	13	economic	economic	ADJ
fsr-3432	17	14	outcomes	outcome	NOUN
fsr-3432	17	15	and	and	CCONJ
fsr-3432	17	16	thus	thus	ADV
fsr-3432	17	17	to	to	ADP
fsr-3432	17	18	increased	increase	VERB
fsr-3432	17	19	dependence	dependence	NOUN
fsr-3432	17	20	on	on	ADP
fsr-3432	17	21	social	social	ADJ
fsr-3432	17	22	programs	program	NOUN
fsr-3432	17	23	.	.	PUNCT
fsr-3432	18	1	the	the	DET
fsr-3432	18	2	authors	author	NOUN
fsr-3432	18	3	use	use	VERB
fsr-3432	18	4	the	the	DET
fsr-3432	18	5	2018	2018	NUM
fsr-3432	18	6	national	national	ADJ
fsr-3432	18	7	financial	financial	ADJ
fsr-3432	18	8	capabilities	capability	NOUN
fsr-3432	18	9	study	study	NOUN
fsr-3432	18	10	to	to	PART
fsr-3432	18	11	investigate	investigate	VERB
fsr-3432	18	12	the	the	DET
fsr-3432	18	13	possible	possible	ADJ
fsr-3432	18	14	relationship	relationship	NOUN
fsr-3432	18	15	between	between	ADP
fsr-3432	18	16	high	high	ADJ
fsr-3432	18	17	school	school	NOUN
fsr-3432	18	18	mandated	mandate	VERB
fsr-3432	18	19	financial	financial	ADJ
fsr-3432	18	20	literacy	literacy	NOUN
fsr-3432	18	21	education	education	NOUN
fsr-3432	18	22	and	and	CCONJ
fsr-3432	18	23	social	social	ADJ
fsr-3432	18	24	program	program	NOUN
fsr-3432	18	25	participation	participation	NOUN
fsr-3432	18	26	and	and	CCONJ
fsr-3432	18	27	find	find	VERB
fsr-3432	18	28	no	no	DET
fsr-3432	18	29	evidence	evidence	NOUN
fsr-3432	18	30	of	of	ADP
fsr-3432	18	31	such	such	DET
fsr-3432	18	32	a	a	DET
fsr-3432	18	33	relationship	relationship	NOUN
fsr-3432	18	34	.	.	PUNCT
fsr-3432	19	1	the	the	DET
fsr-3432	19	2	third	third	ADJ
fsr-3432	19	3	article	article	NOUN
fsr-3432	19	4	,	,	PUNCT
fsr-3432	19	5	“	"	PUNCT
fsr-3432	19	6	financial	financial	ADJ
fsr-3432	19	7	literacy	literacy	NOUN
fsr-3432	19	8	:	:	PUNCT
fsr-3432	19	9	profiling	profile	VERB
fsr-3432	19	10	a	a	DET
fsr-3432	19	11	successful	successful	ADJ
fsr-3432	19	12	high	high	ADJ
fsr-3432	19	13	school	school	NOUN
fsr-3432	19	14	outreach	outreach	NOUN
fsr-3432	19	15	program	program	NOUN
fsr-3432	19	16	”	"	PUNCT
fsr-3432	19	17	is	be	AUX
fsr-3432	19	18	coauthored	coauthore	VERB
fsr-3432	19	19	by	by	ADP
fsr-3432	19	20	greg	greg	PROPN
fsr-3432	19	21	filbeck	filbeck	PROPN
fsr-3432	19	22	,	,	PUNCT
fsr-3432	19	23	penn	penn	PROPN
fsr-3432	19	24	state	state	PROPN
fsr-3432	19	25	behrend	behrend	PROPN
fsr-3432	19	26	,	,	PUNCT
fsr-3432	19	27	jason	jason	PROPN
fsr-3432	19	28	pettner	pettner	PROPN
fsr-3432	19	29	,	,	PUNCT
fsr-3432	19	30	c.s	c.s	PROPN
fsr-3432	19	31	.	.	PROPN
fsr-3432	19	32	mckee	mckee	PROPN
fsr-3432	19	33	,	,	PUNCT
fsr-3432	19	34	1057	1057	NUM
fsr-3432	19	35	-	-	SYM
fsr-3432	19	36	0810/20/$	0810/20/$	NUM
fsr-3432	19	37	–	–	PUNCT
fsr-3432	19	38	see	see	VERB
fsr-3432	19	39	front	front	ADJ
fsr-3432	19	40	matter	matter	NOUN
fsr-3432	19	41	©	©	PROPN
fsr-3432	19	42	2020	2020	NUM
fsr-3432	19	43	academy	academy	NOUN
fsr-3432	19	44	of	of	ADP
fsr-3432	19	45	financial	financial	ADJ
fsr-3432	19	46	services	service	NOUN
fsr-3432	19	47	.	.	PUNCT
fsr-3432	20	1	all	all	DET
fsr-3432	20	2	rights	right	NOUN
fsr-3432	20	3	reserved	reserve	VERB
fsr-3432	20	4	.	.	PUNCT
fsr-3432	21	1	financial	financial	ADJ
fsr-3432	21	2	services	service	NOUN
fsr-3432	21	3	review	review	VERB
fsr-3432	21	4	28	28	NUM
fsr-3432	21	5	(	(	PUNCT
fsr-3432	21	6	2020	2020	NUM
fsr-3432	21	7	)	)	PUNCT
fsr-3432	21	8	v	v	NOUN
fsr-3432	21	9	–	–	PUNCT
fsr-3432	21	10	vi	vi	NOUN
fsr-3432	21	11	and	and	CCONJ
fsr-3432	21	12	xin	xin	PROPN
fsr-3432	21	13	zhao	zhao	PROPN
fsr-3432	21	14	,	,	PUNCT
fsr-3432	21	15	penn	penn	PROPN
fsr-3432	21	16	state	state	PROPN
fsr-3432	21	17	behrend	behrend	PROPN
fsr-3432	21	18	.	.	PUNCT
fsr-3432	22	1	during	during	ADP
fsr-3432	22	2	2018	2018	NUM
fsr-3432	22	3	-	-	SYM
fsr-3432	22	4	2019	2019	NUM
fsr-3432	22	5	the	the	DET
fsr-3432	22	6	cfa	cfa	PROPN
fsr-3432	22	7	society	society	PROPN
fsr-3432	22	8	pittsburgh	pittsburgh	PROPN
fsr-3432	22	9	launched	launch	VERB
fsr-3432	22	10	a	a	DET
fsr-3432	22	11	high	high	ADJ
fsr-3432	22	12	school	school	NOUN
fsr-3432	22	13	financial	financial	ADJ
fsr-3432	22	14	literacy	literacy	NOUN
fsr-3432	22	15	campaign	campaign	NOUN
fsr-3432	22	16	resulting	result	VERB
fsr-3432	22	17	in	in	ADP
fsr-3432	22	18	significant	significant	ADJ
fsr-3432	22	19	improvements	improvement	NOUN
fsr-3432	22	20	in	in	ADP
fsr-3432	22	21	financial	financial	ADJ
fsr-3432	22	22	behavior	behavior	NOUN
fsr-3432	22	23	,	,	PUNCT
fsr-3432	22	24	subjective	subjective	ADJ
fsr-3432	22	25	and	and	CCONJ
fsr-3432	22	26	objective	objective	ADJ
fsr-3432	22	27	financial	financial	ADJ
fsr-3432	22	28	knowledge	knowledge	NOUN
fsr-3432	22	29	,	,	PUNCT
fsr-3432	22	30	and	and	CCONJ
fsr-3432	22	31	self	self	NOUN
fsr-3432	22	32	-	-	PUNCT
fsr-3432	22	33	esteem	esteem	NOUN
fsr-3432	22	34	.	.	PUNCT
fsr-3432	23	1	in	in	ADP
fsr-3432	23	2	analyzing	analyze	VERB
fsr-3432	23	3	the	the	DET
fsr-3432	23	4	results	result	NOUN
fsr-3432	23	5	the	the	DET
fsr-3432	23	6	authors	author	NOUN
fsr-3432	23	7	find	find	VERB
fsr-3432	23	8	a	a	DET
fsr-3432	23	9	disconnect	disconnect	NOUN
fsr-3432	23	10	between	between	ADP
fsr-3432	23	11	actual	actual	ADJ
fsr-3432	23	12	and	and	CCONJ
fsr-3432	23	13	perceived	perceive	VERB
fsr-3432	23	14	financial	financial	ADJ
fsr-3432	23	15	knowledge	knowledge	NOUN
fsr-3432	23	16	.	.	PUNCT
fsr-3432	24	1	they	they	PRON
fsr-3432	24	2	found	find	VERB
fsr-3432	24	3	that	that	SCONJ
fsr-3432	24	4	students	student	NOUN
fsr-3432	24	5	exhibit	exhibit	VERB
fsr-3432	24	6	gains	gain	NOUN
fsr-3432	24	7	in	in	ADP
fsr-3432	24	8	all	all	DET
fsr-3432	24	9	aspects	aspect	NOUN
fsr-3432	24	10	after	after	ADP
fsr-3432	24	11	completing	complete	VERB
fsr-3432	24	12	the	the	DET
fsr-3432	24	13	program	program	NOUN
fsr-3432	24	14	.	.	PUNCT
fsr-3432	25	1	the	the	DET
fsr-3432	25	2	subcategories	subcategorie	NOUN
fsr-3432	25	3	with	with	ADP
fsr-3432	25	4	the	the	DET
fsr-3432	25	5	lowest	low	ADJ
fsr-3432	25	6	pre	pre	ADJ
fsr-3432	25	7	-	-	ADJ
fsr-3432	25	8	survey	survey	ADJ
fsr-3432	25	9	scores	score	NOUN
fsr-3432	25	10	or	or	CCONJ
fsr-3432	25	11	female	female	ADJ
fsr-3432	25	12	students	student	NOUN
fsr-3432	25	13	show	show	VERB
fsr-3432	25	14	the	the	DET
fsr-3432	25	15	greatest	great	ADJ
fsr-3432	25	16	improvements	improvement	NOUN
fsr-3432	25	17	in	in	ADP
fsr-3432	25	18	the	the	DET
fsr-3432	25	19	post	post	NOUN
fsr-3432	25	20	-	-	NOUN
fsr-3432	25	21	survey	survey	NOUN
fsr-3432	25	22	.	.	PUNCT
fsr-3432	26	1	students	student	NOUN
fsr-3432	26	2	with	with	ADP
fsr-3432	26	3	lower	low	ADJ
fsr-3432	26	4	gpas	gpa	NOUN
fsr-3432	26	5	experienced	experience	VERB
fsr-3432	26	6	greater	great	ADJ
fsr-3432	26	7	improvement	improvement	NOUN
fsr-3432	26	8	in	in	ADP
fsr-3432	26	9	financial	financial	ADJ
fsr-3432	26	10	behavior	behavior	NOUN
fsr-3432	26	11	and	and	CCONJ
fsr-3432	26	12	objective	objective	ADJ
fsr-3432	26	13	knowledge	knowledge	NOUN
fsr-3432	26	14	,	,	PUNCT
fsr-3432	26	15	while	while	SCONJ
fsr-3432	26	16	higher	high	ADJ
fsr-3432	26	17	gpa	gpa	PROPN
fsr-3432	26	18	students	student	NOUN
fsr-3432	26	19	improved	improve	VERB
fsr-3432	26	20	more	more	ADV
fsr-3432	26	21	in	in	ADP
fsr-3432	26	22	subjective	subjective	ADJ
fsr-3432	26	23	knowledge	knowledge	NOUN
fsr-3432	26	24	.	.	PUNCT
fsr-3432	27	1	the	the	DET
fsr-3432	27	2	final	final	ADJ
fsr-3432	27	3	article	article	NOUN
fsr-3432	27	4	,	,	PUNCT
fsr-3432	27	5	“	"	PUNCT
fsr-3432	27	6	the	the	DET
fsr-3432	27	7	association	association	NOUN
fsr-3432	27	8	between	between	ADP
fsr-3432	27	9	financial	financial	ADJ
fsr-3432	27	10	risk	risk	NOUN
fsr-3432	27	11	and	and	CCONJ
fsr-3432	27	12	retirement	retirement	NOUN
fsr-3432	27	13	satisfaction	satisfaction	NOUN
fsr-3432	27	14	”	"	PUNCT
fsr-3432	27	15	coauthored	coauthore	VERB
fsr-3432	27	16	by	by	ADP
fsr-3432	27	17	blain	blain	PROPN
fsr-3432	27	18	m.	m.	PROPN
fsr-3432	27	19	pearson	pearson	PROPN
fsr-3432	27	20	and	and	CCONJ
fsr-3432	27	21	michael	michael	PROPN
fsr-3432	27	22	guillemette	guillemette	PROPN
fsr-3432	27	23	,	,	PUNCT
fsr-3432	27	24	both	both	CCONJ
fsr-3432	27	25	at	at	ADP
fsr-3432	27	26	texas	texas	PROPN
fsr-3432	27	27	tech	tech	PROPN
fsr-3432	27	28	university	university	PROPN
fsr-3432	27	29	.	.	PUNCT
fsr-3432	28	1	the	the	DET
fsr-3432	28	2	authors	author	NOUN
fsr-3432	28	3	posit	posit	VERB
fsr-3432	28	4	that	that	SCONJ
fsr-3432	28	5	a	a	DET
fsr-3432	28	6	higher	high	ADJ
fsr-3432	28	7	level	level	NOUN
fsr-3432	28	8	of	of	ADP
fsr-3432	28	9	risky	risky	ADJ
fsr-3432	28	10	financial	financial	ADJ
fsr-3432	28	11	assets	asset	NOUN
fsr-3432	28	12	that	that	PRON
fsr-3432	28	13	a	a	DET
fsr-3432	28	14	retiree	retiree	NOUN
fsr-3432	28	15	holds	hold	VERB
fsr-3432	28	16	may	may	AUX
fsr-3432	28	17	produce	produce	VERB
fsr-3432	28	18	higher	high	ADJ
fsr-3432	28	19	returns	return	NOUN
fsr-3432	28	20	,	,	PUNCT
fsr-3432	28	21	resulting	result	VERB
fsr-3432	28	22	in	in	ADP
fsr-3432	28	23	utility	utility	NOUN
fsr-3432	28	24	gains	gain	NOUN
fsr-3432	28	25	.	.	PUNCT
fsr-3432	29	1	they	they	PRON
fsr-3432	29	2	test	test	VERB
fsr-3432	29	3	this	this	DET
fsr-3432	29	4	hypothesis	hypothesis	NOUN
fsr-3432	29	5	using	use	VERB
fsr-3432	29	6	a	a	DET
fsr-3432	29	7	variable	variable	ADJ
fsr-3432	29	8	constructed	construct	VERB
fsr-3432	29	9	measuring	measure	VERB
fsr-3432	29	10	retirees	retiree	NOUN
fsr-3432	29	11	’	'	PUNCT
fsr-3432	29	12	ratio	ratio	NOUN
fsr-3432	29	13	of	of	ADP
fsr-3432	29	14	risky	risky	ADJ
fsr-3432	29	15	assets	asset	NOUN
fsr-3432	29	16	to	to	AUX
fsr-3432	29	17	total	total	ADJ
fsr-3432	29	18	assets	asset	NOUN
fsr-3432	29	19	(	(	PUNCT
fsr-3432	29	20	risk	risk	NOUN
fsr-3432	29	21	ratio).they	ratio).they	NOUN
fsr-3432	29	22	examine	examine	VERB
fsr-3432	29	23	the	the	DET
fsr-3432	29	24	association	association	NOUN
fsr-3432	29	25	between	between	ADP
fsr-3432	29	26	the	the	DET
fsr-3432	29	27	risk	risk	NOUN
fsr-3432	29	28	ratio	ratio	NOUN
fsr-3432	29	29	and	and	CCONJ
fsr-3432	29	30	retiree	retiree	NOUN
fsr-3432	29	31	utility	utility	NOUN
fsr-3432	29	32	using	use	VERB
fsr-3432	29	33	a	a	DET
fsr-3432	29	34	retirement	retirement	NOUN
fsr-3432	29	35	satisfaction	satisfaction	NOUN
fsr-3432	29	36	variable	variable	NOUN
fsr-3432	29	37	from	from	ADP
fsr-3432	29	38	the	the	DET
fsr-3432	29	39	1992	1992	NUM
fsr-3432	29	40	-	-	SYM
fsr-3432	29	41	2014	2014	NUM
fsr-3432	29	42	waves	wave	NOUN
fsr-3432	29	43	of	of	ADP
fsr-3432	29	44	the	the	DET
fsr-3432	29	45	health	health	NOUN
fsr-3432	29	46	and	and	CCONJ
fsr-3432	29	47	retirement	retirement	NOUN
fsr-3432	29	48	study	study	NOUN
fsr-3432	29	49	.	.	PUNCT
fsr-3432	30	1	they	they	PRON
fsr-3432	30	2	find	find	VERB
fsr-3432	30	3	that	that	SCONJ
fsr-3432	30	4	increases	increase	NOUN
fsr-3432	30	5	in	in	ADP
fsr-3432	30	6	retirees	retiree	NOUN
fsr-3432	30	7	’	'	PUNCT
fsr-3432	30	8	risk	risk	NOUN
fsr-3432	30	9	ratio	ratio	NOUN
fsr-3432	30	10	is	be	AUX
fsr-3432	30	11	associated	associate	VERB
fsr-3432	30	12	positively	positively	ADV
fsr-3432	30	13	with	with	ADP
fsr-3432	30	14	increases	increase	NOUN
fsr-3432	30	15	in	in	ADP
fsr-3432	30	16	their	their	PRON
fsr-3432	30	17	retirement	retirement	NOUN
fsr-3432	30	18	satisfaction	satisfaction	NOUN
fsr-3432	30	19	.	.	PUNCT
fsr-3432	31	1	thank	thank	VERB
fsr-3432	31	2	you	you	PRON
fsr-3432	31	3	to	to	ADP
fsr-3432	31	4	those	those	PRON
fsr-3432	31	5	who	who	PRON
fsr-3432	31	6	make	make	VERB
fsr-3432	31	7	the	the	DET
fsr-3432	31	8	journal	journal	NOUN
fsr-3432	31	9	possible	possible	ADJ
fsr-3432	31	10	,	,	PUNCT
fsr-3432	31	11	especially	especially	ADV
fsr-3432	31	12	the	the	DET
fsr-3432	31	13	referees	referee	NOUN
fsr-3432	31	14	and	and	CCONJ
fsr-3432	31	15	contributing	contribute	VERB
fsr-3432	31	16	authors	author	NOUN
fsr-3432	31	17	.	.	PUNCT
fsr-3432	32	1	i	i	PRON
fsr-3432	32	2	would	would	AUX
fsr-3432	32	3	like	like	VERB
fsr-3432	32	4	to	to	PART
fsr-3432	32	5	send	send	VERB
fsr-3432	32	6	a	a	DET
fsr-3432	32	7	special	special	ADJ
fsr-3432	32	8	thank	thank	NOUN
fsr-3432	32	9	you	you	PRON
fsr-3432	32	10	to	to	ADP
fsr-3432	32	11	the	the	DET
fsr-3432	32	12	many	many	ADJ
fsr-3432	32	13	reviewers	reviewer	NOUN
fsr-3432	32	14	that	that	PRON
fsr-3432	32	15	have	have	AUX
fsr-3432	32	16	significantly	significantly	ADV
fsr-3432	32	17	contributed	contribute	VERB
fsr-3432	32	18	to	to	ADP
fsr-3432	32	19	the	the	DET
fsr-3432	32	20	quality	quality	NOUN
fsr-3432	32	21	of	of	ADP
fsr-3432	32	22	our	our	PRON
fsr-3432	32	23	journal	journal	NOUN
fsr-3432	32	24	by	by	ADP
fsr-3432	32	25	providing	provide	VERB
fsr-3432	32	26	timely	timely	ADJ
fsr-3432	32	27	and	and	CCONJ
fsr-3432	32	28	thorough	thorough	ADJ
fsr-3432	32	29	reviews	review	NOUN
fsr-3432	32	30	of	of	ADP
fsr-3432	32	31	the	the	DET
fsr-3432	32	32	submissions	submission	NOUN
fsr-3432	32	33	to	to	ADP
fsr-3432	32	34	our	our	PRON
fsr-3432	32	35	journal	journal	NOUN
fsr-3432	32	36	.	.	PUNCT
fsr-3432	33	1	please	please	INTJ
fsr-3432	33	2	consider	consider	VERB
fsr-3432	33	3	submission	submission	NOUN
fsr-3432	33	4	to	to	ADP
fsr-3432	33	5	the	the	DET
fsr-3432	33	6	financial	financial	ADJ
fsr-3432	33	7	services	service	NOUN
fsr-3432	33	8	review	review	NOUN
fsr-3432	33	9	and	and	CCONJ
fsr-3432	33	10	rely	rely	VERB
fsr-3432	33	11	on	on	ADP
fsr-3432	33	12	the	the	DET
fsr-3432	33	13	style	style	NOUN
fsr-3432	33	14	information	information	NOUN
fsr-3432	33	15	provided	provide	VERB
fsr-3432	33	16	to	to	PART
fsr-3432	33	17	ease	ease	VERB
fsr-3432	33	18	readability	readability	NOUN
fsr-3432	33	19	and	and	CCONJ
fsr-3432	33	20	streamline	streamline	VERB
fsr-3432	33	21	the	the	DET
fsr-3432	33	22	review	review	NOUN
fsr-3432	33	23	process	process	NOUN
fsr-3432	33	24	.	.	PUNCT
fsr-3432	34	1	the	the	DET
fsr-3432	34	2	journal	journal	NOUN
fsr-3432	34	3	welcomes	welcome	VERB
fsr-3432	34	4	articles	article	NOUN
fsr-3432	34	5	over	over	ADP
fsr-3432	34	6	the	the	DET
fsr-3432	34	7	range	range	NOUN
fsr-3432	34	8	of	of	ADP
fsr-3432	34	9	areas	area	NOUN
fsr-3432	34	10	that	that	PRON
fsr-3432	34	11	comprise	comprise	VERB
fsr-3432	34	12	personal	personal	ADJ
fsr-3432	34	13	financial	financial	ADJ
fsr-3432	34	14	planning	planning	NOUN
fsr-3432	34	15	.	.	PUNCT
fsr-3432	35	1	while	while	SCONJ
fsr-3432	35	2	fsr	fsr	PROPN
fsr-3432	35	3	articles	article	NOUN
fsr-3432	35	4	are	be	AUX
fsr-3432	35	5	certainly	certainly	ADV
fsr-3432	35	6	diverse	diverse	ADJ
fsr-3432	35	7	in	in	ADP
fsr-3432	35	8	terms	term	NOUN
fsr-3432	35	9	of	of	ADP
fsr-3432	35	10	topic	topic	NOUN
fsr-3432	35	11	,	,	PUNCT
fsr-3432	35	12	data	datum	NOUN
fsr-3432	35	13	,	,	PUNCT
fsr-3432	35	14	and	and	CCONJ
fsr-3432	35	15	method	method	NOUN
fsr-3432	35	16	,	,	PUNCT
fsr-3432	35	17	they	they	PRON
fsr-3432	35	18	are	be	AUX
fsr-3432	35	19	focused	focus	VERB
fsr-3432	35	20	in	in	ADP
fsr-3432	35	21	terms	term	NOUN
fsr-3432	35	22	of	of	ADP
fsr-3432	35	23	motivation	motivation	NOUN
fsr-3432	35	24	.	.	PUNCT
fsr-3432	36	1	fsr	fsr	PROPN
fsr-3432	36	2	exists	exist	VERB
fsr-3432	36	3	to	to	PART
fsr-3432	36	4	produce	produce	VERB
fsr-3432	36	5	research	research	NOUN
fsr-3432	36	6	that	that	PRON
fsr-3432	36	7	addresses	address	VERB
fsr-3432	36	8	issues	issue	NOUN
fsr-3432	36	9	that	that	PRON
fsr-3432	36	10	matter	matter	VERB
fsr-3432	36	11	to	to	ADP
fsr-3432	36	12	individuals	individual	NOUN
fsr-3432	36	13	.	.	PUNCT
fsr-3432	37	1	i	i	PRON
fsr-3432	37	2	remain	remain	VERB
fsr-3432	37	3	committed	committed	ADJ
fsr-3432	37	4	to	to	ADP
fsr-3432	37	5	the	the	DET
fsr-3432	37	6	goal	goal	NOUN
fsr-3432	37	7	of	of	ADP
fsr-3432	37	8	making	make	VERB
fsr-3432	37	9	financial	financial	ADJ
fsr-3432	37	10	services	service	NOUN
fsr-3432	37	11	review	review	VERB
fsr-3432	37	12	the	the	DET
fsr-3432	37	13	best	good	ADJ
fsr-3432	37	14	academic	academic	ADJ
fsr-3432	37	15	journal	journal	NOUN
fsr-3432	37	16	in	in	ADP
fsr-3432	37	17	individual	individual	ADJ
fsr-3432	37	18	financial	financial	ADJ
fsr-3432	37	19	management	management	NOUN
fsr-3432	37	20	and	and	CCONJ
fsr-3432	37	21	personal	personal	ADJ
fsr-3432	37	22	financial	financial	ADJ
fsr-3432	37	23	planning	planning	NOUN
fsr-3432	37	24	.	.	PUNCT
fsr-3432	38	1	best	good	ADJ
fsr-3432	38	2	regards	regard	VERB
fsr-3432	38	3	,	,	PUNCT
fsr-3432	38	4	stuart	stuart	PROPN
fsr-3432	38	5	michelson	michelson	PROPN
fsr-3432	38	6	editor	editor	PROPN
fsr-3432	38	7	financial	financial	PROPN
fsr-3432	38	8	services	services	PROPN
fsr-3432	38	9	review	review	VERB
fsr-3432	38	10	terrance	terrance	PROPN
fsr-3432	38	11	martin	martin	PROPN
fsr-3432	38	12	co	co	PROPN
fsr-3432	38	13	-	-	NOUN
fsr-3432	38	14	editor	editor	NOUN
fsr-3432	38	15	,	,	PUNCT
fsr-3432	38	16	special	special	ADJ
fsr-3432	38	17	topics	topic	NOUN
fsr-3432	38	18	issue	issue	NOUN
fsr-3432	38	19	on	on	ADP
fsr-3432	38	20	financial	financial	ADJ
fsr-3432	38	21	literacy	literacy	NOUN
fsr-3432	38	22	vi	vi	PROPN
fsr-3432	38	23	s.	s.	PROPN
fsr-3432	38	24	michelson	michelson	PROPN
fsr-3432	38	25	and	and	CCONJ
fsr-3432	38	26	t.	t.	PROPN
fsr-3432	38	27	martin	martin	PROPN
fsr-3432	38	28	/	/	SYM
fsr-3432	38	29	financial	financial	ADJ
fsr-3432	38	30	services	service	NOUN
fsr-3432	38	31	review	review	VERB
fsr-3432	38	32	28	28	NUM
fsr-3432	38	33	(	(	PUNCT
fsr-3432	38	34	2020	2020	NUM
fsr-3432	38	35	)	)	PUNCT
fsr-3432	38	36	v	v	NOUN
fsr-3432	38	37	–	–	PUNCT
fsr-3432	38	38	vi	vi	NOUN