id	sid	tid	token	lemma	pos
fsr-3433	1	1	financial	financial	ADJ
fsr-3433	1	2	literacy	literacy	NOUN
fsr-3433	1	3	,	,	PUNCT
fsr-3433	1	4	attitudes	attitude	NOUN
fsr-3433	1	5	,	,	PUNCT
fsr-3433	1	6	and	and	CCONJ
fsr-3433	1	7	financial	financial	ADJ
fsr-3433	1	8	satisfaction	satisfaction	NOUN
fsr-3433	1	9	:	:	PUNCT
fsr-3433	1	10	an	an	DET
fsr-3433	1	11	assessment	assessment	NOUN
fsr-3433	1	12	of	of	ADP
fsr-3433	1	13	credit	credit	NOUN
fsr-3433	1	14	card	card	NOUN
fsr-3433	1	15	debt	debt	NOUN
fsr-3433	1	16	-	-	PUNCT
fsr-3433	1	17	taking	take	VERB
fsr-3433	1	18	behavior	behavior	NOUN
fsr-3433	1	19	of	of	ADP
fsr-3433	1	20	australians	australians	PROPN
fsr-3433	1	21	muhammad	muhammad	PROPN
fsr-3433	1	22	s.	s.	PROPN
fsr-3433	1	23	tahira	tahira	PROPN
fsr-3433	1	24	,	,	PUNCT
fsr-3433	1	25	*	*	PROPN
fsr-3433	1	26	,	,	PUNCT
fsr-3433	1	27	daniel	daniel	PROPN
fsr-3433	1	28	w.	w.	PROPN
fsr-3433	1	29	richardsb	richardsb	PROPN
fsr-3433	1	30	,	,	PUNCT
fsr-3433	1	31	abdullahi	abdullahi	PROPN
fsr-3433	1	32	d.	d.	PROPN
fsr-3433	1	33	ahmedc	ahmedc	PROPN
fsr-3433	1	34	acollege	acollege	PROPN
fsr-3433	1	35	of	of	ADP
fsr-3433	1	36	business	business	NOUN
fsr-3433	1	37	,	,	PUNCT
fsr-3433	1	38	rmit	rmit	PROPN
fsr-3433	1	39	university	university	PROPN
fsr-3433	1	40	,	,	PUNCT
fsr-3433	1	41	melbourne	melbourne	PROPN
fsr-3433	1	42	,	,	PUNCT
fsr-3433	1	43	victoria	victoria	PROPN
fsr-3433	1	44	,	,	PUNCT
fsr-3433	1	45	australia	australia	PROPN
fsr-3433	1	46	3000	3000	NUM
fsr-3433	1	47	bcollege	bcollege	NOUN
fsr-3433	1	48	of	of	ADP
fsr-3433	1	49	business	business	NOUN
fsr-3433	1	50	,	,	PUNCT
fsr-3433	1	51	rmit	rmit	PROPN
fsr-3433	1	52	university	university	PROPN
fsr-3433	1	53	,	,	PUNCT
fsr-3433	1	54	melbourne	melbourne	PROPN
fsr-3433	1	55	,	,	PUNCT
fsr-3433	1	56	victoria	victoria	PROPN
fsr-3433	1	57	,	,	PUNCT
fsr-3433	1	58	australia	australia	PROPN
fsr-3433	1	59	3000	3000	NUM
fsr-3433	1	60	ccollege	ccollege	NOUN
fsr-3433	1	61	of	of	ADP
fsr-3433	1	62	business	business	NOUN
fsr-3433	1	63	,	,	PUNCT
fsr-3433	1	64	rmit	rmit	PROPN
fsr-3433	1	65	university	university	PROPN
fsr-3433	1	66	,	,	PUNCT
fsr-3433	1	67	melbourne	melbourne	PROPN
fsr-3433	1	68	,	,	PUNCT
fsr-3433	1	69	victoria	victoria	PROPN
fsr-3433	1	70	,	,	PUNCT
fsr-3433	1	71	australia	australia	PROPN
fsr-3433	1	72	3000	3000	NUM
fsr-3433	1	73	abstract	abstract	ADJ
fsr-3433	1	74	unpaid	unpaid	ADJ
fsr-3433	1	75	credit	credit	NOUN
fsr-3433	1	76	card	card	NOUN
fsr-3433	1	77	debt	debt	NOUN
fsr-3433	1	78	can	can	AUX
fsr-3433	1	79	be	be	AUX
fsr-3433	1	80	problematic	problematic	ADJ
fsr-3433	1	81	;	;	PUNCT
fsr-3433	1	82	people	people	NOUN
fsr-3433	1	83	should	should	AUX
fsr-3433	1	84	avoid	avoid	VERB
fsr-3433	1	85	it	it	PRON
fsr-3433	1	86	where	where	SCONJ
fsr-3433	1	87	possible	possible	ADJ
fsr-3433	1	88	.	.	PUNCT
fsr-3433	2	1	unlike	unlike	ADP
fsr-3433	2	2	prior	prior	ADJ
fsr-3433	2	3	studies	study	NOUN
fsr-3433	2	4	,	,	PUNCT
fsr-3433	2	5	this	this	DET
fsr-3433	2	6	article	article	NOUN
fsr-3433	2	7	examines	examine	VERB
fsr-3433	2	8	the	the	DET
fsr-3433	2	9	relative	relative	ADJ
fsr-3433	2	10	strength	strength	NOUN
fsr-3433	2	11	of	of	ADP
fsr-3433	2	12	the	the	DET
fsr-3433	2	13	association	association	NOUN
fsr-3433	2	14	of	of	ADP
fsr-3433	2	15	financial	financial	ADJ
fsr-3433	2	16	literacy	literacy	NOUN
fsr-3433	2	17	,	,	PUNCT
fsr-3433	2	18	attitude	attitude	NOUN
fsr-3433	2	19	toward	toward	ADP
fsr-3433	2	20	balancing	balance	VERB
fsr-3433	2	21	spending	spending	NOUN
fsr-3433	2	22	and	and	CCONJ
fsr-3433	2	23	savings	saving	NOUN
fsr-3433	2	24	,	,	PUNCT
fsr-3433	2	25	and	and	CCONJ
fsr-3433	2	26	financial	financial	ADJ
fsr-3433	2	27	satisfaction	satisfaction	NOUN
fsr-3433	2	28	with	with	ADP
fsr-3433	2	29	credit	credit	NOUN
fsr-3433	2	30	card	card	NOUN
fsr-3433	2	31	debttaking	debttaking	NOUN
fsr-3433	2	32	behavior	behavior	NOUN
fsr-3433	2	33	by	by	ADP
fsr-3433	2	34	analyzing	analyze	VERB
fsr-3433	2	35	the	the	DET
fsr-3433	2	36	2016	2016	NUM
fsr-3433	2	37	wave	wave	NOUN
fsr-3433	2	38	of	of	ADP
fsr-3433	2	39	the	the	DET
fsr-3433	2	40	household	household	NOUN
fsr-3433	2	41	,	,	PUNCT
fsr-3433	2	42	income	income	NOUN
fsr-3433	2	43	and	and	CCONJ
fsr-3433	2	44	labor	labor	NOUN
fsr-3433	2	45	dynamics	dynamic	NOUN
fsr-3433	2	46	in	in	ADP
fsr-3433	2	47	australia	australia	PROPN
fsr-3433	2	48	(	(	PUNCT
fsr-3433	2	49	hilda	hilda	PROPN
fsr-3433	2	50	)	)	PUNCT
fsr-3433	2	51	survey	survey	NOUN
fsr-3433	2	52	.	.	PUNCT
fsr-3433	3	1	we	we	PRON
fsr-3433	3	2	find	find	VERB
fsr-3433	3	3	that	that	SCONJ
fsr-3433	3	4	higher	high	ADJ
fsr-3433	3	5	financial	financial	ADJ
fsr-3433	3	6	literacy	literacy	NOUN
fsr-3433	3	7	is	be	AUX
fsr-3433	3	8	associated	associate	VERB
fsr-3433	3	9	with	with	ADP
fsr-3433	3	10	less	less	ADJ
fsr-3433	3	11	credit	credit	NOUN
fsr-3433	3	12	card	card	NOUN
fsr-3433	3	13	debt	debt	NOUN
fsr-3433	3	14	.	.	PUNCT
fsr-3433	4	1	however	however	ADV
fsr-3433	4	2	,	,	PUNCT
fsr-3433	4	3	incorporating	incorporate	VERB
fsr-3433	4	4	the	the	DET
fsr-3433	4	5	other	other	ADJ
fsr-3433	4	6	factors	factor	NOUN
fsr-3433	4	7	reduces	reduce	VERB
fsr-3433	4	8	this	this	DET
fsr-3433	4	9	relationship	relationship	NOUN
fsr-3433	4	10	.	.	PUNCT
fsr-3433	5	1	our	our	PRON
fsr-3433	5	2	results	result	NOUN
fsr-3433	5	3	advise	advise	VERB
fsr-3433	5	4	policy	policy	NOUN
fsr-3433	5	5	-	-	PUNCT
fsr-3433	5	6	makers	maker	NOUN
fsr-3433	5	7	to	to	PART
fsr-3433	5	8	include	include	VERB
fsr-3433	5	9	components	component	NOUN
fsr-3433	5	10	in	in	ADP
fsr-3433	5	11	the	the	DET
fsr-3433	5	12	financial	financial	ADJ
fsr-3433	5	13	literacy	literacy	NOUN
fsr-3433	5	14	curricula	curricula	NOUN
fsr-3433	5	15	that	that	PRON
fsr-3433	5	16	encourage	encourage	VERB
fsr-3433	5	17	savings	saving	NOUN
fsr-3433	5	18	attitude	attitude	NOUN
fsr-3433	5	19	to	to	PART
fsr-3433	5	20	reduce	reduce	VERB
fsr-3433	5	21	problematic	problematic	ADJ
fsr-3433	5	22	debt	debt	NOUN
fsr-3433	5	23	-	-	PUNCT
fsr-3433	5	24	taking	taking	NOUN
fsr-3433	5	25	.	.	PUNCT
fsr-3433	6	1	©	©	PROPN
fsr-3433	6	2	2020	2020	NUM
fsr-3433	6	3	academy	academy	NOUN
fsr-3433	6	4	of	of	ADP
fsr-3433	6	5	financial	financial	ADJ
fsr-3433	6	6	services	service	NOUN
fsr-3433	6	7	.	.	PUNCT
fsr-3433	7	1	all	all	DET
fsr-3433	7	2	rights	right	NOUN
fsr-3433	7	3	reserved	reserve	VERB
fsr-3433	7	4	.	.	PUNCT
fsr-3433	8	1	jel	jel	PROPN
fsr-3433	8	2	classification	classification	NOUN
fsr-3433	8	3	:	:	PUNCT
fsr-3433	8	4	g51	g51	ADJ
fsr-3433	8	5	;	;	PUNCT
fsr-3433	8	6	g53	g53	PROPN
fsr-3433	8	7	;	;	PUNCT
fsr-3433	8	8	g40	g40	NOUN
fsr-3433	8	9	;	;	PUNCT
fsr-3433	8	10	d14	d14	NOUN
fsr-3433	8	11	;	;	PUNCT
fsr-3433	8	12	d10	d10	PROPN
fsr-3433	8	13	keywords	keyword	NOUN
fsr-3433	8	14	:	:	PUNCT
fsr-3433	8	15	hilda	hilda	NOUN
fsr-3433	8	16	;	;	PUNCT
fsr-3433	8	17	financial	financial	ADJ
fsr-3433	8	18	literacy	literacy	NOUN
fsr-3433	8	19	;	;	PUNCT
fsr-3433	8	20	credit	credit	NOUN
fsr-3433	8	21	card	card	NOUN
fsr-3433	8	22	debt	debt	NOUN
fsr-3433	8	23	;	;	PUNCT
fsr-3433	8	24	financial	financial	ADJ
fsr-3433	8	25	satisfaction	satisfaction	NOUN
fsr-3433	8	26	;	;	PUNCT
fsr-3433	8	27	savings	saving	NOUN
fsr-3433	8	28	attitude	attitude	NOUN
fsr-3433	8	29	1	1	NUM
fsr-3433	8	30	.	.	PUNCT
fsr-3433	9	1	introduction	introduction	NOUN
fsr-3433	9	2	credit	credit	NOUN
fsr-3433	9	3	cards	card	NOUN
fsr-3433	9	4	provide	provide	VERB
fsr-3433	9	5	convenient	convenient	ADJ
fsr-3433	9	6	shopping	shopping	NOUN
fsr-3433	9	7	facility	facility	NOUN
fsr-3433	9	8	enabling	enable	VERB
fsr-3433	9	9	consumers	consumer	NOUN
fsr-3433	9	10	to	to	PART
fsr-3433	9	11	utilize	utilize	VERB
fsr-3433	9	12	their	their	PRON
fsr-3433	9	13	future	future	ADJ
fsr-3433	9	14	income	income	NOUN
fsr-3433	9	15	.	.	PUNCT
fsr-3433	10	1	however	however	ADV
fsr-3433	10	2	,	,	PUNCT
fsr-3433	10	3	in	in	ADP
fsr-3433	10	4	case	case	NOUN
fsr-3433	10	5	of	of	ADP
fsr-3433	10	6	future	future	ADJ
fsr-3433	10	7	income	income	NOUN
fsr-3433	10	8	volatility	volatility	NOUN
fsr-3433	10	9	,	,	PUNCT
fsr-3433	10	10	the	the	DET
fsr-3433	10	11	repayment	repayment	NOUN
fsr-3433	10	12	might	might	AUX
fsr-3433	10	13	be	be	AUX
fsr-3433	10	14	delayed	delay	VERB
fsr-3433	10	15	allowing	allow	VERB
fsr-3433	10	16	financial	financial	ADJ
fsr-3433	10	17	institutions	institution	NOUN
fsr-3433	10	18	to	to	PART
fsr-3433	10	19	charge	charge	VERB
fsr-3433	10	20	high	high	ADJ
fsr-3433	10	21	interest	interest	NOUN
fsr-3433	10	22	on	on	ADP
fsr-3433	10	23	the	the	DET
fsr-3433	10	24	due	due	ADJ
fsr-3433	10	25	amount	amount	NOUN
fsr-3433	10	26	.	.	PUNCT
fsr-3433	11	1	recent	recent	ADJ
fsr-3433	11	2	research	research	NOUN
fsr-3433	11	3	*	*	PUNCT
fsr-3433	11	4	corresponding	correspond	VERB
fsr-3433	11	5	author	author	NOUN
fsr-3433	11	6	.	.	PUNCT
fsr-3433	12	1	+61	+61	NOUN
fsr-3433	12	2	3	3	NUM
fsr-3433	12	3	9925	9925	NUM
fsr-3433	12	4	1694	1694	NUM
fsr-3433	12	5	.	.	PUNCT
fsr-3433	13	1	e	e	X
fsr-3433	13	2	-	-	NOUN
fsr-3433	13	3	mail	mail	NOUN
fsr-3433	13	4	address	address	NOUN
fsr-3433	13	5	:	:	PUNCT
fsr-3433	13	6	muhammad.tahir@rmit.edu.au	muhammad.tahir@rmit.edu.au	PROPN
fsr-3433	13	7	1057	1057	NUM
fsr-3433	13	8	-	-	SYM
fsr-3433	13	9	0810/20/$	0810/20/$	NUM
fsr-3433	13	10	–	–	PUNCT
fsr-3433	13	11	see	see	VERB
fsr-3433	13	12	front	front	ADJ
fsr-3433	13	13	matter	matter	NOUN
fsr-3433	13	14	©	©	PROPN
fsr-3433	13	15	2020	2020	NUM
fsr-3433	13	16	academy	academy	NOUN
fsr-3433	13	17	of	of	ADP
fsr-3433	13	18	financial	financial	ADJ
fsr-3433	13	19	services	service	NOUN
fsr-3433	13	20	.	.	PUNCT
fsr-3433	14	1	all	all	DET
fsr-3433	14	2	rights	right	NOUN
fsr-3433	14	3	reserved	reserve	VERB
fsr-3433	14	4	.	.	PUNCT
fsr-3433	15	1	financial	financial	ADJ
fsr-3433	15	2	services	service	NOUN
fsr-3433	15	3	review	review	VERB
fsr-3433	15	4	28	28	NUM
fsr-3433	15	5	(	(	PUNCT
fsr-3433	15	6	2020	2020	NUM
fsr-3433	15	7	)	)	PUNCT
fsr-3433	16	1	273–301	273–301	NUM
fsr-3433	16	2	undertakings	undertaking	NOUN
fsr-3433	16	3	highlight	highlight	VERB
fsr-3433	16	4	factors	factor	NOUN
fsr-3433	16	5	associated	associate	VERB
fsr-3433	16	6	with	with	ADP
fsr-3433	16	7	credit	credit	NOUN
fsr-3433	16	8	card	card	NOUN
fsr-3433	16	9	debt	debt	NOUN
fsr-3433	16	10	.	.	PUNCT
fsr-3433	17	1	gorbachev	gorbachev	PROPN
fsr-3433	17	2	and	and	CCONJ
fsr-3433	17	3	luengoprado	luengoprado	X
fsr-3433	17	4	(	(	PUNCT
fsr-3433	17	5	2019	2019	NUM
fsr-3433	17	6	)	)	PUNCT
fsr-3433	17	7	show	show	VERB
fsr-3433	17	8	that	that	SCONJ
fsr-3433	17	9	those	those	PRON
fsr-3433	17	10	with	with	ADP
fsr-3433	17	11	savings	saving	NOUN
fsr-3433	17	12	in	in	ADP
fsr-3433	17	13	low	low	ADJ
fsr-3433	17	14	-	-	PUNCT
fsr-3433	17	15	interest	interest	NOUN
fsr-3433	17	16	liquid	liquid	ADJ
fsr-3433	17	17	assets	asset	NOUN
fsr-3433	17	18	and	and	CCONJ
fsr-3433	17	19	no	no	DET
fsr-3433	17	20	credit	credit	NOUN
fsr-3433	17	21	card	card	NOUN
fsr-3433	17	22	debt	debt	NOUN
fsr-3433	17	23	are	be	AUX
fsr-3433	17	24	more	more	ADV
fsr-3433	17	25	financially	financially	ADV
fsr-3433	17	26	literate	literate	ADJ
fsr-3433	17	27	than	than	ADP
fsr-3433	17	28	those	those	PRON
fsr-3433	17	29	who	who	PRON
fsr-3433	17	30	simultaneously	simultaneously	ADV
fsr-3433	17	31	hold	hold	VERB
fsr-3433	17	32	low	low	ADJ
fsr-3433	17	33	-	-	PUNCT
fsr-3433	17	34	interest	interest	NOUN
fsr-3433	17	35	liquid	liquid	ADJ
fsr-3433	17	36	assets	asset	NOUN
fsr-3433	17	37	and	and	CCONJ
fsr-3433	17	38	high	high	ADJ
fsr-3433	17	39	-	-	PUNCT
fsr-3433	17	40	interest	interest	NOUN
fsr-3433	17	41	credit	credit	NOUN
fsr-3433	17	42	card	card	NOUN
fsr-3433	17	43	debt	debt	NOUN
fsr-3433	17	44	.	.	PUNCT
fsr-3433	18	1	lin	lin	PROPN
fsr-3433	18	2	,	,	PUNCT
fsr-3433	18	3	revindo	revindo	PROPN
fsr-3433	18	4	,	,	PUNCT
fsr-3433	18	5	gan	gan	PROPN
fsr-3433	18	6	,	,	PUNCT
fsr-3433	18	7	and	and	CCONJ
fsr-3433	18	8	cohen	cohen	PROPN
fsr-3433	18	9	(	(	PUNCT
fsr-3433	18	10	2019	2019	NUM
fsr-3433	18	11	)	)	PUNCT
fsr-3433	18	12	find	find	VERB
fsr-3433	18	13	that	that	SCONJ
fsr-3433	18	14	those	those	PRON
fsr-3433	18	15	who	who	PRON
fsr-3433	18	16	prefer	prefer	VERB
fsr-3433	18	17	to	to	PART
fsr-3433	18	18	make	make	VERB
fsr-3433	18	19	payments	payment	NOUN
fsr-3433	18	20	using	use	VERB
fsr-3433	18	21	a	a	DET
fsr-3433	18	22	card	card	NOUN
fsr-3433	18	23	are	be	AUX
fsr-3433	18	24	more	more	ADV
fsr-3433	18	25	likely	likely	ADJ
fsr-3433	18	26	to	to	PART
fsr-3433	18	27	have	have	VERB
fsr-3433	18	28	more	more	ADJ
fsr-3433	18	29	credit	credit	NOUN
fsr-3433	18	30	card	card	NOUN
fsr-3433	18	31	debt	debt	NOUN
fsr-3433	18	32	as	as	SCONJ
fsr-3433	18	33	compared	compare	VERB
fsr-3433	18	34	with	with	ADP
fsr-3433	18	35	those	those	PRON
fsr-3433	18	36	who	who	PRON
fsr-3433	18	37	use	use	VERB
fsr-3433	18	38	other	other	ADJ
fsr-3433	18	39	modes	mode	NOUN
fsr-3433	18	40	of	of	ADP
fsr-3433	18	41	payments	payment	NOUN
fsr-3433	18	42	.	.	PUNCT
fsr-3433	19	1	they	they	PRON
fsr-3433	19	2	find	find	VERB
fsr-3433	19	3	that	that	SCONJ
fsr-3433	19	4	a	a	DET
fsr-3433	19	5	person	person	NOUN
fsr-3433	19	6	’s	’s	PART
fsr-3433	19	7	attitude	attitude	NOUN
fsr-3433	19	8	towards	towards	ADP
fsr-3433	19	9	money	money	NOUN
fsr-3433	19	10	is	be	AUX
fsr-3433	19	11	more	more	ADV
fsr-3433	19	12	related	relate	VERB
fsr-3433	19	13	to	to	ADP
fsr-3433	19	14	credit	credit	NOUN
fsr-3433	19	15	card	card	NOUN
fsr-3433	19	16	debt	debt	NOUN
fsr-3433	19	17	than	than	ADP
fsr-3433	19	18	the	the	DET
fsr-3433	19	19	person	person	NOUN
fsr-3433	19	20	’s	’s	PART
fsr-3433	19	21	demographic	demographic	ADJ
fsr-3433	19	22	factors	factor	NOUN
fsr-3433	19	23	,	,	PUNCT
fsr-3433	19	24	including	include	VERB
fsr-3433	19	25	gender	gender	NOUN
fsr-3433	19	26	,	,	PUNCT
fsr-3433	19	27	education	education	NOUN
fsr-3433	19	28	level	level	NOUN
fsr-3433	19	29	,	,	PUNCT
fsr-3433	19	30	and	and	CCONJ
fsr-3433	19	31	employment	employment	NOUN
fsr-3433	19	32	type	type	NOUN
fsr-3433	19	33	.	.	PUNCT
fsr-3433	20	1	in	in	ADP
fsr-3433	20	2	this	this	DET
fsr-3433	20	3	article	article	NOUN
fsr-3433	20	4	,	,	PUNCT
fsr-3433	20	5	we	we	PRON
fsr-3433	20	6	extend	extend	VERB
fsr-3433	20	7	research	research	NOUN
fsr-3433	20	8	on	on	ADP
fsr-3433	20	9	credit	credit	NOUN
fsr-3433	20	10	card	card	NOUN
fsr-3433	20	11	debt	debt	NOUN
fsr-3433	20	12	.	.	PUNCT
fsr-3433	21	1	we	we	PRON
fsr-3433	21	2	explore	explore	VERB
fsr-3433	21	3	the	the	DET
fsr-3433	21	4	relative	relative	ADJ
fsr-3433	21	5	strength	strength	NOUN
fsr-3433	21	6	of	of	ADP
fsr-3433	21	7	the	the	DET
fsr-3433	21	8	association	association	NOUN
fsr-3433	21	9	of	of	ADP
fsr-3433	21	10	financial	financial	ADJ
fsr-3433	21	11	literacy	literacy	NOUN
fsr-3433	21	12	,	,	PUNCT
fsr-3433	21	13	attitude	attitude	NOUN
fsr-3433	21	14	towards	towards	ADP
fsr-3433	21	15	balancing	balance	VERB
fsr-3433	21	16	spending	spending	NOUN
fsr-3433	21	17	and	and	CCONJ
fsr-3433	21	18	savings	saving	NOUN
fsr-3433	21	19	,	,	PUNCT
fsr-3433	21	20	and	and	CCONJ
fsr-3433	21	21	financial	financial	ADJ
fsr-3433	21	22	satisfaction	satisfaction	NOUN
fsr-3433	21	23	with	with	ADP
fsr-3433	21	24	credit	credit	NOUN
fsr-3433	21	25	card	card	NOUN
fsr-3433	21	26	debt	debt	NOUN
fsr-3433	21	27	-	-	PUNCT
fsr-3433	21	28	taking	take	VERB
fsr-3433	21	29	behavior	behavior	NOUN
fsr-3433	21	30	in	in	ADP
fsr-3433	21	31	australia	australia	PROPN
fsr-3433	21	32	.	.	PUNCT
fsr-3433	22	1	credit	credit	NOUN
fsr-3433	22	2	card	card	NOUN
fsr-3433	22	3	use	use	NOUN
fsr-3433	22	4	is	be	AUX
fsr-3433	22	5	topical	topical	ADJ
fsr-3433	22	6	in	in	ADP
fsr-3433	22	7	australia	australia	PROPN
fsr-3433	22	8	because	because	SCONJ
fsr-3433	22	9	the	the	DET
fsr-3433	22	10	australian	australian	ADJ
fsr-3433	22	11	securities	security	NOUN
fsr-3433	22	12	and	and	CCONJ
fsr-3433	22	13	investments	investments	PROPN
fsr-3433	22	14	commission	commission	PROPN
fsr-3433	22	15	(	(	PUNCT
fsr-3433	22	16	asic	asic	NOUN
fsr-3433	22	17	,	,	PUNCT
fsr-3433	22	18	2018	2018	NUM
fsr-3433	22	19	)	)	PUNCT
fsr-3433	22	20	explicates	explicate	VERB
fsr-3433	22	21	that	that	SCONJ
fsr-3433	22	22	credit	credit	NOUN
fsr-3433	22	23	card	card	NOUN
fsr-3433	22	24	debt	debt	NOUN
fsr-3433	22	25	is	be	AUX
fsr-3433	22	26	continuously	continuously	ADV
fsr-3433	22	27	rising	rise	VERB
fsr-3433	22	28	.	.	PUNCT
fsr-3433	23	1	according	accord	VERB
fsr-3433	23	2	to	to	ADP
fsr-3433	23	3	the	the	DET
fsr-3433	23	4	australian	australian	ADJ
fsr-3433	23	5	bureau	bureau	NOUN
fsr-3433	23	6	of	of	ADP
fsr-3433	23	7	statistics	statistic	NOUN
fsr-3433	23	8	(	(	PUNCT
fsr-3433	23	9	abs	ab	NOUN
fsr-3433	23	10	)	)	PUNCT
fsr-3433	23	11	,	,	PUNCT
fsr-3433	23	12	74	74	NUM
fsr-3433	23	13	%	%	NOUN
fsr-3433	23	14	of	of	ADP
fsr-3433	23	15	australian	australian	ADJ
fsr-3433	23	16	households	household	NOUN
fsr-3433	23	17	held	hold	VERB
fsr-3433	23	18	debt	debt	NOUN
fsr-3433	23	19	in	in	ADP
fsr-3433	23	20	2015–2016	2015–2016	NUM
fsr-3433	23	21	(	(	PUNCT
fsr-3433	23	22	abs	ab	NOUN
fsr-3433	23	23	,	,	PUNCT
fsr-3433	23	24	2017b	2017b	NUM
fsr-3433	23	25	)	)	PUNCT
fsr-3433	23	26	and	and	CCONJ
fsr-3433	23	27	credit	credit	NOUN
fsr-3433	23	28	card	card	NOUN
fsr-3433	23	29	debt	debt	NOUN
fsr-3433	23	30	was	be	AUX
fsr-3433	23	31	the	the	DET
fsr-3433	23	32	most	most	ADV
fsr-3433	23	33	common	common	ADJ
fsr-3433	23	34	type	type	NOUN
fsr-3433	23	35	of	of	ADP
fsr-3433	23	36	household	household	NOUN
fsr-3433	23	37	debt	debt	NOUN
fsr-3433	23	38	with	with	ADP
fsr-3433	23	39	55	55	NUM
fsr-3433	23	40	%	%	NOUN
fsr-3433	23	41	of	of	ADP
fsr-3433	23	42	households	household	NOUN
fsr-3433	23	43	holding	hold	VERB
fsr-3433	23	44	it	it	PRON
fsr-3433	23	45	.	.	PUNCT
fsr-3433	24	1	according	accord	VERB
fsr-3433	24	2	to	to	ADP
fsr-3433	24	3	the	the	DET
fsr-3433	24	4	asic	asic	NOUN
fsr-3433	24	5	(	(	PUNCT
fsr-3433	24	6	2018	2018	NUM
fsr-3433	24	7	)	)	PUNCT
fsr-3433	24	8	,	,	PUNCT
fsr-3433	24	9	more	more	ADJ
fsr-3433	24	10	than	than	ADP
fsr-3433	24	11	14	14	NUM
fsr-3433	24	12	million	million	NUM
fsr-3433	24	13	credit	credit	NOUN
fsr-3433	24	14	card	card	NOUN
fsr-3433	24	15	accounts	account	NOUN
fsr-3433	24	16	(	(	PUNCT
fsr-3433	24	17	with	with	ADP
fsr-3433	24	18	21.4	21.4	NUM
fsr-3433	24	19	million	million	NUM
fsr-3433	24	20	cards	card	NOUN
fsr-3433	24	21	)	)	PUNCT
fsr-3433	24	22	exist	exist	VERB
fsr-3433	24	23	in	in	ADP
fsr-3433	24	24	australia	australia	PROPN
fsr-3433	24	25	at	at	ADP
fsr-3433	24	26	june	june	PROPN
fsr-3433	24	27	2017	2017	NUM
fsr-3433	24	28	with	with	ADP
fsr-3433	24	29	a	a	DET
fsr-3433	24	30	total	total	ADJ
fsr-3433	24	31	outstanding	outstanding	ADJ
fsr-3433	24	32	balance	balance	NOUN
fsr-3433	24	33	of	of	ADP
fsr-3433	24	34	almost	almost	ADV
fsr-3433	24	35	$	$	SYM
fsr-3433	24	36	45	45	NUM
fsr-3433	24	37	billion	billion	NUM
fsr-3433	24	38	.	.	PUNCT
fsr-3433	25	1	out	out	ADP
fsr-3433	25	2	of	of	ADP
fsr-3433	25	3	the	the	DET
fsr-3433	25	4	total	total	ADJ
fsr-3433	25	5	outstanding	outstanding	ADJ
fsr-3433	25	6	balance	balance	NOUN
fsr-3433	25	7	of	of	ADP
fsr-3433	25	8	$	$	SYM
fsr-3433	25	9	45	45	NUM
fsr-3433	25	10	billion	billion	NUM
fsr-3433	25	11	,	,	PUNCT
fsr-3433	25	12	the	the	DET
fsr-3433	25	13	overdue	overdue	ADJ
fsr-3433	25	14	amount	amount	NOUN
fsr-3433	25	15	is	be	AUX
fsr-3433	25	16	$	$	SYM
fsr-3433	25	17	31.7	31.7	NUM
fsr-3433	25	18	billion	billion	NUM
fsr-3433	25	19	being	be	AUX
fsr-3433	25	20	eligible	eligible	ADJ
fsr-3433	25	21	for	for	ADP
fsr-3433	25	22	interest	interest	NOUN
fsr-3433	25	23	charges	charge	NOUN
fsr-3433	25	24	.	.	PUNCT
fsr-3433	26	1	accordingly	accordingly	ADV
fsr-3433	26	2	,	,	PUNCT
fsr-3433	26	3	financial	financial	ADJ
fsr-3433	26	4	institutions	institution	NOUN
fsr-3433	26	5	charged	charge	VERB
fsr-3433	26	6	almost	almost	ADV
fsr-3433	26	7	$	$	SYM
fsr-3433	26	8	1.5	1.5	NUM
fsr-3433	26	9	billion	billion	NUM
fsr-3433	26	10	in	in	ADP
fsr-3433	26	11	annual	annual	ADJ
fsr-3433	26	12	fees	fee	NOUN
fsr-3433	26	13	and	and	CCONJ
fsr-3433	26	14	late	late	ADJ
fsr-3433	26	15	payment	payment	NOUN
fsr-3433	26	16	surcharges	surcharge	NOUN
fsr-3433	26	17	to	to	ADP
fsr-3433	26	18	the	the	DET
fsr-3433	26	19	credit	credit	NOUN
fsr-3433	26	20	card	card	NOUN
fsr-3433	26	21	users	user	NOUN
fsr-3433	26	22	in	in	ADP
fsr-3433	26	23	2016–2017	2016–2017	NUM
fsr-3433	26	24	(	(	PUNCT
fsr-3433	26	25	asic	asic	NOUN
fsr-3433	26	26	,	,	PUNCT
fsr-3433	26	27	2018	2018	NUM
fsr-3433	26	28	)	)	PUNCT
fsr-3433	26	29	.	.	PUNCT
fsr-3433	27	1	the	the	DET
fsr-3433	27	2	asic	asic	PROPN
fsr-3433	27	3	(	(	PUNCT
fsr-3433	27	4	2018	2018	NUM
fsr-3433	27	5	)	)	PUNCT
fsr-3433	27	6	shows	show	VERB
fsr-3433	27	7	that	that	SCONJ
fsr-3433	27	8	18.5	18.5	NUM
fsr-3433	27	9	%	%	NOUN
fsr-3433	27	10	of	of	ADP
fsr-3433	27	11	credit	credit	NOUN
fsr-3433	27	12	card	card	NOUN
fsr-3433	27	13	holders	holder	NOUN
fsr-3433	27	14	are	be	AUX
fsr-3433	27	15	in	in	ADP
fsr-3433	27	16	a	a	DET
fsr-3433	27	17	problematic	problematic	ADJ
fsr-3433	27	18	condition	condition	NOUN
fsr-3433	27	19	due	due	ADP
fsr-3433	27	20	to	to	ADP
fsr-3433	27	21	either	either	CCONJ
fsr-3433	27	22	severe	severe	ADJ
fsr-3433	27	23	/	/	SYM
fsr-3433	27	24	serious	serious	ADJ
fsr-3433	27	25	delinquency	delinquency	NOUN
fsr-3433	27	26	or	or	CCONJ
fsr-3433	27	27	having	have	VERB
fsr-3433	27	28	persistent	persistent	ADJ
fsr-3433	27	29	debt	debt	NOUN
fsr-3433	27	30	or	or	CCONJ
fsr-3433	27	31	low	low	ADJ
fsr-3433	27	32	repayments	repayment	NOUN
fsr-3433	27	33	.	.	PUNCT
fsr-3433	28	1	from	from	ADP
fsr-3433	28	2	2003–2004	2003–2004	NUM
fsr-3433	28	3	to	to	ADP
fsr-3433	28	4	2015–2016	2015–2016	NUM
fsr-3433	28	5	,	,	PUNCT
fsr-3433	28	6	the	the	DET
fsr-3433	28	7	abs	ab	NOUN
fsr-3433	28	8	(	(	PUNCT
fsr-3433	28	9	2017a	2017a	NUM
fsr-3433	28	10	)	)	PUNCT
fsr-3433	28	11	found	find	VERB
fsr-3433	28	12	an	an	DET
fsr-3433	28	13	increase	increase	NOUN
fsr-3433	28	14	of	of	ADP
fsr-3433	28	15	41	41	NUM
fsr-3433	28	16	%	%	NOUN
fsr-3433	28	17	in	in	ADP
fsr-3433	28	18	the	the	DET
fsr-3433	28	19	credit	credit	NOUN
fsr-3433	28	20	card	card	NOUN
fsr-3433	28	21	debt	debt	NOUN
fsr-3433	28	22	of	of	ADP
fsr-3433	28	23	middle	middle	ADJ
fsr-3433	28	24	and	and	CCONJ
fsr-3433	28	25	high	high	ADJ
fsr-3433	28	26	wealth	wealth	NOUN
fsr-3433	28	27	households	household	NOUN
fsr-3433	28	28	and	and	CCONJ
fsr-3433	28	29	a	a	DET
fsr-3433	28	30	25	25	NUM
fsr-3433	28	31	%	%	NOUN
fsr-3433	28	32	increase	increase	NOUN
fsr-3433	28	33	in	in	ADP
fsr-3433	28	34	the	the	DET
fsr-3433	28	35	credit	credit	NOUN
fsr-3433	28	36	card	card	NOUN
fsr-3433	28	37	debt	debt	NOUN
fsr-3433	28	38	of	of	ADP
fsr-3433	28	39	low	low	ADJ
fsr-3433	28	40	wealth	wealth	NOUN
fsr-3433	28	41	households	household	NOUN
fsr-3433	28	42	.	.	PUNCT
fsr-3433	29	1	households	household	NOUN
fsr-3433	29	2	,	,	PUNCT
fsr-3433	29	3	like	like	ADP
fsr-3433	29	4	businesses	business	NOUN
fsr-3433	29	5	,	,	PUNCT
fsr-3433	29	6	can	can	AUX
fsr-3433	29	7	access	access	VERB
fsr-3433	29	8	many	many	ADJ
fsr-3433	29	9	types	type	NOUN
fsr-3433	29	10	of	of	ADP
fsr-3433	29	11	debt	debt	NOUN
fsr-3433	29	12	including	include	VERB
fsr-3433	29	13	mortgages	mortgage	NOUN
fsr-3433	29	14	,	,	PUNCT
fsr-3433	29	15	personal	personal	ADJ
fsr-3433	29	16	loans	loan	NOUN
fsr-3433	29	17	,	,	PUNCT
fsr-3433	29	18	credit	credit	NOUN
fsr-3433	29	19	card	card	NOUN
fsr-3433	29	20	debt	debt	NOUN
fsr-3433	29	21	,	,	PUNCT
fsr-3433	29	22	student	student	NOUN
fsr-3433	29	23	loans	loan	NOUN
fsr-3433	29	24	,	,	PUNCT
fsr-3433	29	25	vehicle	vehicle	NOUN
fsr-3433	29	26	loans	loan	NOUN
fsr-3433	29	27	,	,	PUNCT
fsr-3433	29	28	and	and	CCONJ
fsr-3433	29	29	so	so	ADV
fsr-3433	29	30	forth	forth	ADV
fsr-3433	29	31	(	(	PUNCT
fsr-3433	29	32	cassells	cassell	NOUN
fsr-3433	29	33	,	,	PUNCT
fsr-3433	29	34	duncan	duncan	PROPN
fsr-3433	29	35	,	,	PUNCT
fsr-3433	29	36	kelly	kelly	PROPN
fsr-3433	29	37	,	,	PUNCT
fsr-3433	29	38	&	&	CCONJ
fsr-3433	29	39	ong	ong	PROPN
fsr-3433	29	40	,	,	PUNCT
fsr-3433	29	41	2015	2015	NUM
fsr-3433	29	42	)	)	PUNCT
fsr-3433	29	43	.	.	PUNCT
fsr-3433	30	1	understandably	understandably	ADV
fsr-3433	30	2	,	,	PUNCT
fsr-3433	30	3	not	not	PART
fsr-3433	30	4	all	all	DET
fsr-3433	30	5	types	type	NOUN
fsr-3433	30	6	of	of	ADP
fsr-3433	30	7	debt	debt	NOUN
fsr-3433	30	8	have	have	VERB
fsr-3433	30	9	a	a	DET
fsr-3433	30	10	negative	negative	ADJ
fsr-3433	30	11	impact	impact	NOUN
fsr-3433	30	12	on	on	ADP
fsr-3433	30	13	households	household	NOUN
fsr-3433	30	14	.	.	PUNCT
fsr-3433	31	1	in	in	ADP
fsr-3433	31	2	the	the	DET
fsr-3433	31	3	academic	academic	ADJ
fsr-3433	31	4	literature	literature	NOUN
fsr-3433	31	5	,	,	PUNCT
fsr-3433	31	6	a	a	DET
fsr-3433	31	7	method	method	NOUN
fsr-3433	31	8	of	of	ADP
fsr-3433	31	9	distinguishing	distinguish	VERB
fsr-3433	31	10	whether	whether	SCONJ
fsr-3433	31	11	a	a	DET
fsr-3433	31	12	debt	debt	NOUN
fsr-3433	31	13	is	be	AUX
fsr-3433	31	14	problematic	problematic	ADJ
fsr-3433	31	15	is	be	AUX
fsr-3433	31	16	whether	whether	SCONJ
fsr-3433	31	17	it	it	PRON
fsr-3433	31	18	has	have	AUX
fsr-3433	31	19	been	be	AUX
fsr-3433	31	20	collateralized	collateralize	VERB
fsr-3433	31	21	(	(	PUNCT
fsr-3433	31	22	secured	secure	VERB
fsr-3433	31	23	by	by	ADP
fsr-3433	31	24	an	an	DET
fsr-3433	31	25	asset	asset	NOUN
fsr-3433	31	26	)	)	PUNCT
fsr-3433	31	27	or	or	CCONJ
fsr-3433	31	28	not	not	PART
fsr-3433	31	29	(	(	PUNCT
fsr-3433	31	30	berger	berger	PROPN
fsr-3433	31	31	,	,	PUNCT
fsr-3433	31	32	collins	collins	PROPN
fsr-3433	31	33	,	,	PUNCT
fsr-3433	31	34	&	&	CCONJ
fsr-3433	31	35	cuesta	cuesta	PROPN
fsr-3433	31	36	,	,	PUNCT
fsr-3433	31	37	2016	2016	NUM
fsr-3433	31	38	;	;	PUNCT
fsr-3433	31	39	harari	harari	PROPN
fsr-3433	31	40	,	,	PUNCT
fsr-3433	31	41	2018	2018	NUM
fsr-3433	31	42	;	;	PUNCT
fsr-3433	31	43	tippett	tippett	PROPN
fsr-3433	31	44	,	,	PUNCT
fsr-3433	31	45	2010	2010	NUM
fsr-3433	31	46	)	)	PUNCT
fsr-3433	31	47	.	.	PUNCT
fsr-3433	32	1	dunn	dunn	PROPN
fsr-3433	32	2	and	and	CCONJ
fsr-3433	32	3	mirzaie	mirzaie	PROPN
fsr-3433	32	4	(	(	PUNCT
fsr-3433	32	5	2016	2016	NUM
fsr-3433	32	6	)	)	PUNCT
fsr-3433	32	7	contend	contend	VERB
fsr-3433	32	8	that	that	SCONJ
fsr-3433	32	9	non	non	ADJ
fsr-3433	32	10	-	-	ADJ
fsr-3433	32	11	collateralized	collateralized	ADJ
fsr-3433	32	12	debt	debt	NOUN
fsr-3433	32	13	is	be	AUX
fsr-3433	32	14	more	more	ADV
fsr-3433	32	15	stressful	stressful	ADJ
fsr-3433	32	16	for	for	ADP
fsr-3433	32	17	households	household	NOUN
fsr-3433	32	18	than	than	ADP
fsr-3433	32	19	collateralized	collateralized	ADJ
fsr-3433	32	20	debt	debt	NOUN
fsr-3433	32	21	.	.	PUNCT
fsr-3433	33	1	when	when	SCONJ
fsr-3433	33	2	households	household	NOUN
fsr-3433	33	3	do	do	AUX
fsr-3433	33	4	not	not	PART
fsr-3433	33	5	have	have	VERB
fsr-3433	33	6	any	any	DET
fsr-3433	33	7	collateral	collateral	NOUN
fsr-3433	33	8	to	to	PART
fsr-3433	33	9	surrender	surrender	VERB
fsr-3433	33	10	,	,	PUNCT
fsr-3433	33	11	lenders	lender	NOUN
fsr-3433	33	12	or	or	CCONJ
fsr-3433	33	13	collection	collection	NOUN
fsr-3433	33	14	agencies	agency	NOUN
fsr-3433	33	15	can	can	AUX
fsr-3433	33	16	adopt	adopt	VERB
fsr-3433	33	17	aggressive	aggressive	ADJ
fsr-3433	33	18	behavior	behavior	NOUN
fsr-3433	33	19	in	in	ADP
fsr-3433	33	20	collecting	collect	VERB
fsr-3433	33	21	debt	debt	NOUN
fsr-3433	33	22	,	,	PUNCT
fsr-3433	33	23	and	and	CCONJ
fsr-3433	33	24	this	this	PRON
fsr-3433	33	25	increases	increase	VERB
fsr-3433	33	26	stress	stress	NOUN
fsr-3433	33	27	felt	feel	VERB
fsr-3433	33	28	by	by	ADP
fsr-3433	33	29	households	household	NOUN
fsr-3433	33	30	(	(	PUNCT
fsr-3433	33	31	dunn	dunn	PROPN
fsr-3433	33	32	&	&	CCONJ
fsr-3433	33	33	mirzaie	mirzaie	PROPN
fsr-3433	33	34	,	,	PUNCT
fsr-3433	33	35	2016	2016	NUM
fsr-3433	33	36	)	)	PUNCT
fsr-3433	33	37	.	.	PUNCT
fsr-3433	34	1	among	among	ADP
fsr-3433	34	2	non	non	ADJ
fsr-3433	34	3	-	-	ADJ
fsr-3433	34	4	collateralized	collateralized	ADJ
fsr-3433	34	5	debt	debt	NOUN
fsr-3433	34	6	types	type	NOUN
fsr-3433	34	7	(	(	PUNCT
fsr-3433	34	8	that	that	PRON
fsr-3433	34	9	include	include	VERB
fsr-3433	34	10	credit	credit	NOUN
fsr-3433	34	11	card	card	NOUN
fsr-3433	34	12	debt	debt	NOUN
fsr-3433	34	13	,	,	PUNCT
fsr-3433	34	14	student	student	NOUN
fsr-3433	34	15	loans	loan	NOUN
fsr-3433	34	16	,	,	PUNCT
fsr-3433	34	17	pay	pay	VERB
fsr-3433	34	18	day	day	NOUN
fsr-3433	34	19	loans	loan	NOUN
fsr-3433	34	20	etc	etc	X
fsr-3433	34	21	.	.	X
fsr-3433	34	22	)	)	PUNCT
fsr-3433	34	23	,	,	PUNCT
fsr-3433	34	24	dunn	dunn	PROPN
fsr-3433	34	25	and	and	CCONJ
fsr-3433	34	26	mirzaie	mirzaie	PROPN
fsr-3433	34	27	(	(	PUNCT
fsr-3433	34	28	2012	2012	NUM
fsr-3433	34	29	,	,	PUNCT
fsr-3433	34	30	2016	2016	NUM
fsr-3433	34	31	)	)	PUNCT
fsr-3433	34	32	argue	argue	VERB
fsr-3433	34	33	that	that	SCONJ
fsr-3433	34	34	credit	credit	NOUN
fsr-3433	34	35	card	card	NOUN
fsr-3433	34	36	debt	debt	NOUN
fsr-3433	34	37	is	be	AUX
fsr-3433	34	38	relatively	relatively	ADV
fsr-3433	34	39	more	more	ADV
fsr-3433	34	40	stressful	stressful	ADJ
fsr-3433	34	41	and	and	CCONJ
fsr-3433	34	42	problematic	problematic	ADJ
fsr-3433	34	43	due	due	ADP
fsr-3433	34	44	to	to	ADP
fsr-3433	34	45	the	the	DET
fsr-3433	34	46	added	add	VERB
fsr-3433	34	47	penalties	penalty	NOUN
fsr-3433	34	48	(	(	PUNCT
fsr-3433	34	49	high	high	ADJ
fsr-3433	34	50	interest	interest	NOUN
fsr-3433	34	51	rates	rate	NOUN
fsr-3433	34	52	)	)	PUNCT
fsr-3433	34	53	in	in	ADP
fsr-3433	34	54	addition	addition	NOUN
fsr-3433	34	55	to	to	ADP
fsr-3433	34	56	the	the	DET
fsr-3433	34	57	aggressive	aggressive	ADJ
fsr-3433	34	58	behavior	behavior	NOUN
fsr-3433	34	59	of	of	ADP
fsr-3433	34	60	the	the	DET
fsr-3433	34	61	collection	collection	NOUN
fsr-3433	34	62	agencies	agency	NOUN
fsr-3433	34	63	.	.	PUNCT
fsr-3433	35	1	furthermore	furthermore	ADV
fsr-3433	35	2	,	,	PUNCT
fsr-3433	35	3	debt	debt	NOUN
fsr-3433	35	4	taken	take	VERB
fsr-3433	35	5	beyond	beyond	ADP
fsr-3433	35	6	the	the	DET
fsr-3433	35	7	means	mean	NOUN
fsr-3433	35	8	to	to	PART
fsr-3433	35	9	repay	repay	VERB
fsr-3433	35	10	it	it	PRON
fsr-3433	35	11	also	also	ADV
fsr-3433	35	12	becomes	become	VERB
fsr-3433	35	13	stressful	stressful	ADJ
fsr-3433	35	14	and	and	CCONJ
fsr-3433	35	15	problematic	problematic	ADJ
fsr-3433	35	16	(	(	PUNCT
fsr-3433	35	17	cecchetti	cecchetti	NOUN
fsr-3433	35	18	,	,	PUNCT
fsr-3433	35	19	mohanty	mohanty	NOUN
fsr-3433	35	20	,	,	PUNCT
fsr-3433	35	21	&	&	CCONJ
fsr-3433	35	22	zampolli	zampolli	PROPN
fsr-3433	35	23	,	,	PUNCT
fsr-3433	35	24	2011	2011	NUM
fsr-3433	35	25	)	)	PUNCT
fsr-3433	35	26	.	.	PUNCT
fsr-3433	36	1	this	this	PRON
fsr-3433	36	2	implies	imply	VERB
fsr-3433	36	3	that	that	SCONJ
fsr-3433	36	4	non	non	ADJ
fsr-3433	36	5	-	-	ADJ
fsr-3433	36	6	collateralized	collateralized	ADJ
fsr-3433	36	7	debt	debt	NOUN
fsr-3433	36	8	(	(	PUNCT
fsr-3433	36	9	especially	especially	ADV
fsr-3433	36	10	credit	credit	NOUN
fsr-3433	36	11	card	card	NOUN
fsr-3433	36	12	debt	debt	NOUN
fsr-3433	36	13	)	)	PUNCT
fsr-3433	36	14	and	and	CCONJ
fsr-3433	36	15	over	over	ADP
fsr-3433	36	16	indebtedness	indebtedness	NOUN
fsr-3433	36	17	should	should	AUX
fsr-3433	36	18	be	be	AUX
fsr-3433	36	19	avoided	avoid	VERB
fsr-3433	36	20	as	as	SCONJ
fsr-3433	36	21	they	they	PRON
fsr-3433	36	22	can	can	AUX
fsr-3433	36	23	have	have	VERB
fsr-3433	36	24	negative	negative	ADJ
fsr-3433	36	25	consequences	consequence	NOUN
fsr-3433	36	26	such	such	ADJ
fsr-3433	36	27	as	as	ADP
fsr-3433	36	28	exorbitant	exorbitant	ADJ
fsr-3433	36	29	repayments	repayment	NOUN
fsr-3433	36	30	and	and	CCONJ
fsr-3433	36	31	interest	interest	NOUN
fsr-3433	36	32	costs	cost	NOUN
fsr-3433	36	33	that	that	PRON
fsr-3433	36	34	become	become	VERB
fsr-3433	36	35	burdensome	burdensome	ADJ
fsr-3433	36	36	for	for	SCONJ
fsr-3433	36	37	households	household	NOUN
fsr-3433	36	38	to	to	PART
fsr-3433	36	39	meet	meet	VERB
fsr-3433	36	40	.	.	PUNCT
fsr-3433	37	1	other	other	ADJ
fsr-3433	37	2	274	274	NUM
fsr-3433	37	3	m.	m.	NOUN
fsr-3433	37	4	s.	s.	PROPN
fsr-3433	37	5	tahir	tahir	PROPN
fsr-3433	37	6	et	et	PROPN
fsr-3433	37	7	al	al	PROPN
fsr-3433	37	8	.	.	PUNCT
fsr-3433	37	9	/	/	SYM
fsr-3433	37	10	financial	financial	ADJ
fsr-3433	37	11	services	service	NOUN
fsr-3433	37	12	review	review	VERB
fsr-3433	37	13	28	28	NUM
fsr-3433	37	14	(	(	PUNCT
fsr-3433	37	15	2020	2020	NUM
fsr-3433	37	16	)	)	PUNCT
fsr-3433	38	1	273–301	273–301	NUM
fsr-3433	38	2	negative	negative	ADJ
fsr-3433	38	3	consequences	consequence	NOUN
fsr-3433	38	4	of	of	ADP
fsr-3433	38	5	problematic	problematic	ADJ
fsr-3433	38	6	debt	debt	NOUN
fsr-3433	38	7	and	and	CCONJ
fsr-3433	38	8	over	over	ADP
fsr-3433	38	9	indebtedness	indebtedness	NOUN
fsr-3433	38	10	include	include	VERB
fsr-3433	38	11	health	health	NOUN
fsr-3433	38	12	problems	problem	NOUN
fsr-3433	38	13	(	(	PUNCT
fsr-3433	38	14	jacoby	jacoby	PROPN
fsr-3433	38	15	,	,	PUNCT
fsr-3433	38	16	2002	2002	NUM
fsr-3433	38	17	)	)	PUNCT
fsr-3433	38	18	,	,	PUNCT
fsr-3433	38	19	mental	mental	ADJ
fsr-3433	38	20	-	-	PUNCT
fsr-3433	38	21	illness	illness	NOUN
fsr-3433	38	22	leading	lead	VERB
fsr-3433	38	23	to	to	ADP
fsr-3433	38	24	the	the	DET
fsr-3433	38	25	attempt	attempt	NOUN
fsr-3433	38	26	of	of	ADP
fsr-3433	38	27	suicide	suicide	NOUN
fsr-3433	38	28	(	(	PUNCT
fsr-3433	38	29	turunen	turunen	PROPN
fsr-3433	38	30	&	&	CCONJ
fsr-3433	38	31	hiilamo	hiilamo	PROPN
fsr-3433	38	32	,	,	PUNCT
fsr-3433	38	33	2014	2014	NUM
fsr-3433	38	34	)	)	PUNCT
fsr-3433	38	35	,	,	PUNCT
fsr-3433	38	36	depression	depression	NOUN
fsr-3433	38	37	and	and	CCONJ
fsr-3433	38	38	psychological	psychological	ADJ
fsr-3433	38	39	disorder	disorder	NOUN
fsr-3433	38	40	(	(	PUNCT
fsr-3433	38	41	richardson	richardson	PROPN
fsr-3433	38	42	,	,	PUNCT
fsr-3433	38	43	2013	2013	NUM
fsr-3433	38	44	)	)	PUNCT
fsr-3433	38	45	,	,	PUNCT
fsr-3433	38	46	heart	heart	NOUN
fsr-3433	38	47	malfunction	malfunction	NOUN
fsr-3433	38	48	,	,	PUNCT
fsr-3433	38	49	ulcers	ulcer	NOUN
fsr-3433	38	50	,	,	PUNCT
fsr-3433	38	51	and	and	CCONJ
fsr-3433	38	52	migraine	migraine	NOUN
fsr-3433	38	53	headaches	headache	NOUN
fsr-3433	38	54	(	(	PUNCT
fsr-3433	38	55	jarl	jarl	PROPN
fsr-3433	38	56	,	,	PUNCT
fsr-3433	38	57	cantor	cantor	NOUN
fsr-3433	38	58	-	-	PUNCT
fsr-3433	38	59	graae	graae	PROPN
fsr-3433	38	60	,	,	PUNCT
fsr-3433	38	61	chak	chak	ADJ
fsr-3433	38	62	,	,	PUNCT
fsr-3433	38	63	sunbaunat	sunbaunat	NOUN
fsr-3433	38	64	,	,	PUNCT
fsr-3433	38	65	&	&	CCONJ
fsr-3433	38	66	larsson	larsson	PROPN
fsr-3433	38	67	,	,	PUNCT
fsr-3433	38	68	2015	2015	NUM
fsr-3433	38	69	)	)	PUNCT
fsr-3433	38	70	.	.	PUNCT
fsr-3433	39	1	therefore	therefore	ADV
fsr-3433	39	2	,	,	PUNCT
fsr-3433	39	3	this	this	DET
fsr-3433	39	4	article	article	NOUN
fsr-3433	39	5	specifically	specifically	ADV
fsr-3433	39	6	researches	research	VERB
fsr-3433	39	7	credit	credit	NOUN
fsr-3433	39	8	card	card	NOUN
fsr-3433	39	9	debt	debt	NOUN
fsr-3433	39	10	-	-	PUNCT
fsr-3433	39	11	taking	taking	NOUN
fsr-3433	39	12	because	because	SCONJ
fsr-3433	39	13	it	it	PRON
fsr-3433	39	14	is	be	AUX
fsr-3433	39	15	a	a	DET
fsr-3433	39	16	problematic	problematic	ADJ
fsr-3433	39	17	type	type	NOUN
fsr-3433	39	18	of	of	ADP
fsr-3433	39	19	debt	debt	NOUN
fsr-3433	39	20	-	-	PUNCT
fsr-3433	39	21	taking	taking	NOUN
fsr-3433	39	22	.	.	PUNCT
fsr-3433	40	1	credit	credit	NOUN
fsr-3433	40	2	cards	card	NOUN
fsr-3433	40	3	facilitate	facilitate	NOUN
fsr-3433	40	4	purchasing	purchasing	NOUN
fsr-3433	40	5	of	of	ADP
fsr-3433	40	6	household	household	NOUN
fsr-3433	40	7	goods	good	NOUN
fsr-3433	40	8	with	with	ADP
fsr-3433	40	9	the	the	DET
fsr-3433	40	10	option	option	NOUN
fsr-3433	40	11	of	of	ADP
fsr-3433	40	12	“	"	PUNCT
fsr-3433	40	13	buy	buy	VERB
fsr-3433	40	14	now	now	ADV
fsr-3433	40	15	,	,	PUNCT
fsr-3433	40	16	pay	pay	VERB
fsr-3433	40	17	later	later	ADV
fsr-3433	40	18	.	.	PUNCT
fsr-3433	40	19	”	"	PUNCT
fsr-3433	41	1	however	however	ADV
fsr-3433	41	2	,	,	PUNCT
fsr-3433	41	3	when	when	SCONJ
fsr-3433	41	4	income	income	NOUN
fsr-3433	41	5	is	be	AUX
fsr-3433	41	6	volatile	volatile	ADJ
fsr-3433	41	7	,	,	PUNCT
fsr-3433	41	8	households	household	NOUN
fsr-3433	41	9	often	often	ADV
fsr-3433	41	10	utilize	utilize	VERB
fsr-3433	41	11	savings	saving	NOUN
fsr-3433	41	12	to	to	PART
fsr-3433	41	13	meet	meet	VERB
fsr-3433	41	14	their	their	PRON
fsr-3433	41	15	consumption	consumption	NOUN
fsr-3433	41	16	needs	need	NOUN
fsr-3433	41	17	(	(	PUNCT
fsr-3433	41	18	kaplan	kaplan	PROPN
fsr-3433	41	19	&	&	CCONJ
fsr-3433	41	20	violante	violante	PROPN
fsr-3433	41	21	,	,	PUNCT
fsr-3433	41	22	2014	2014	NUM
fsr-3433	41	23	)	)	PUNCT
fsr-3433	41	24	.	.	PUNCT
fsr-3433	42	1	a	a	DET
fsr-3433	42	2	risky	risky	ADJ
fsr-3433	42	3	income	income	NOUN
fsr-3433	42	4	stream	stream	NOUN
fsr-3433	42	5	and	and	CCONJ
fsr-3433	42	6	fewer	few	ADJ
fsr-3433	42	7	savings	saving	NOUN
fsr-3433	42	8	may	may	AUX
fsr-3433	42	9	result	result	VERB
fsr-3433	42	10	in	in	ADP
fsr-3433	42	11	an	an	DET
fsr-3433	42	12	increased	increase	VERB
fsr-3433	42	13	credit	credit	NOUN
fsr-3433	42	14	card	card	NOUN
fsr-3433	42	15	repayment	repayment	NOUN
fsr-3433	42	16	liability	liability	NOUN
fsr-3433	42	17	.	.	PUNCT
fsr-3433	43	1	an	an	DET
fsr-3433	43	2	overdue	overdue	ADJ
fsr-3433	43	3	credit	credit	NOUN
fsr-3433	43	4	card	card	NOUN
fsr-3433	43	5	amount	amount	NOUN
fsr-3433	43	6	often	often	ADV
fsr-3433	43	7	leads	lead	VERB
fsr-3433	43	8	to	to	ADP
fsr-3433	43	9	a	a	DET
fsr-3433	43	10	high	high	ADJ
fsr-3433	43	11	associated	associated	ADJ
fsr-3433	43	12	interest	interest	NOUN
fsr-3433	43	13	charge	charge	NOUN
fsr-3433	43	14	.	.	PUNCT
fsr-3433	44	1	research	research	NOUN
fsr-3433	44	2	shows	show	VERB
fsr-3433	44	3	that	that	SCONJ
fsr-3433	44	4	those	those	PRON
fsr-3433	44	5	who	who	PRON
fsr-3433	44	6	have	have	VERB
fsr-3433	44	7	fewer	few	ADJ
fsr-3433	44	8	savings	saving	NOUN
fsr-3433	44	9	and	and	CCONJ
fsr-3433	44	10	are	be	AUX
fsr-3433	44	11	less	less	ADV
fsr-3433	44	12	financially	financially	ADV
fsr-3433	44	13	satisfied	satisfied	ADJ
fsr-3433	44	14	,	,	PUNCT
fsr-3433	44	15	are	be	AUX
fsr-3433	44	16	more	more	ADV
fsr-3433	44	17	vulnerable	vulnerable	ADJ
fsr-3433	44	18	to	to	ADP
fsr-3433	44	19	economic	economic	ADJ
fsr-3433	44	20	shocks	shock	NOUN
fsr-3433	44	21	and	and	CCONJ
fsr-3433	44	22	tend	tend	VERB
fsr-3433	44	23	to	to	PART
fsr-3433	44	24	access	access	VERB
fsr-3433	44	25	more	more	ADJ
fsr-3433	44	26	credit	credit	NOUN
fsr-3433	44	27	(	(	PUNCT
fsr-3433	44	28	reyers	reyer	NOUN
fsr-3433	44	29	,	,	PUNCT
fsr-3433	44	30	2019	2019	NUM
fsr-3433	44	31	)	)	PUNCT
fsr-3433	44	32	.	.	PUNCT
fsr-3433	45	1	further	far	ADV
fsr-3433	45	2	,	,	PUNCT
fsr-3433	45	3	those	those	PRON
fsr-3433	45	4	who	who	PRON
fsr-3433	45	5	are	be	AUX
fsr-3433	45	6	less	less	ADV
fsr-3433	45	7	financially	financially	ADV
fsr-3433	45	8	literate	literate	ADJ
fsr-3433	45	9	and	and	CCONJ
fsr-3433	45	10	are	be	AUX
fsr-3433	45	11	not	not	PART
fsr-3433	45	12	aware	aware	ADJ
fsr-3433	45	13	of	of	ADP
fsr-3433	45	14	the	the	DET
fsr-3433	45	15	credit	credit	NOUN
fsr-3433	45	16	market	market	NOUN
fsr-3433	45	17	terms	term	NOUN
fsr-3433	45	18	,	,	PUNCT
fsr-3433	45	19	are	be	AUX
fsr-3433	45	20	most	most	ADV
fsr-3433	45	21	likely	likely	ADJ
fsr-3433	45	22	to	to	PART
fsr-3433	45	23	take	take	VERB
fsr-3433	45	24	on	on	ADP
fsr-3433	45	25	credit	credit	NOUN
fsr-3433	45	26	card	card	NOUN
fsr-3433	45	27	debt	debt	NOUN
fsr-3433	45	28	.	.	PUNCT
fsr-3433	46	1	research	research	NOUN
fsr-3433	46	2	associates	associate	NOUN
fsr-3433	46	3	low	low	ADJ
fsr-3433	46	4	financial	financial	ADJ
fsr-3433	46	5	literacy	literacy	NOUN
fsr-3433	46	6	with	with	ADP
fsr-3433	46	7	a	a	DET
fsr-3433	46	8	high	high	ADJ
fsr-3433	46	9	probability	probability	NOUN
fsr-3433	46	10	of	of	ADP
fsr-3433	46	11	taking	take	VERB
fsr-3433	46	12	on	on	ADP
fsr-3433	46	13	debt	debt	NOUN
fsr-3433	46	14	(	(	PUNCT
fsr-3433	46	15	brown	brown	ADJ
fsr-3433	46	16	,	,	PUNCT
fsr-3433	46	17	grigsby	grigsby	VERB
fsr-3433	46	18	,	,	PUNCT
fsr-3433	46	19	van	van	PROPN
fsr-3433	46	20	der	der	PROPN
fsr-3433	46	21	klaauw	klaauw	PROPN
fsr-3433	46	22	,	,	PUNCT
fsr-3433	46	23	wen	wen	PROPN
fsr-3433	46	24	,	,	PUNCT
fsr-3433	46	25	&	&	CCONJ
fsr-3433	46	26	zafar	zafar	PROPN
fsr-3433	46	27	,	,	PUNCT
fsr-3433	46	28	2016	2016	NUM
fsr-3433	46	29	;	;	PUNCT
fsr-3433	46	30	disney	disney	PROPN
fsr-3433	46	31	&	&	CCONJ
fsr-3433	46	32	gathergood	gathergood	PROPN
fsr-3433	46	33	,	,	PUNCT
fsr-3433	46	34	2013	2013	NUM
fsr-3433	46	35	;	;	PUNCT
fsr-3433	46	36	norvilitis	norvilitis	PROPN
fsr-3433	46	37	et	et	PROPN
fsr-3433	46	38	al	al	PROPN
fsr-3433	46	39	.	.	PROPN
fsr-3433	46	40	,	,	PUNCT
fsr-3433	46	41	2006	2006	NUM
fsr-3433	46	42	;	;	PUNCT
fsr-3433	46	43	ottaviani	ottaviani	PROPN
fsr-3433	46	44	&	&	CCONJ
fsr-3433	46	45	vandone	vandone	NOUN
fsr-3433	46	46	,	,	PUNCT
fsr-3433	46	47	2018	2018	NUM
fsr-3433	46	48	)	)	PUNCT
fsr-3433	46	49	.	.	PUNCT
fsr-3433	47	1	however	however	ADV
fsr-3433	47	2	,	,	PUNCT
fsr-3433	47	3	to	to	ADP
fsr-3433	47	4	our	our	PRON
fsr-3433	47	5	knowledge	knowledge	NOUN
fsr-3433	47	6	,	,	PUNCT
fsr-3433	47	7	little	little	ADJ
fsr-3433	47	8	research	research	NOUN
fsr-3433	47	9	is	be	AUX
fsr-3433	47	10	published	publish	VERB
fsr-3433	47	11	that	that	SCONJ
fsr-3433	47	12	empirically	empirically	ADV
fsr-3433	47	13	explores	explore	VERB
fsr-3433	47	14	the	the	DET
fsr-3433	47	15	relative	relative	ADJ
fsr-3433	47	16	weight	weight	NOUN
fsr-3433	47	17	of	of	ADP
fsr-3433	47	18	the	the	DET
fsr-3433	47	19	association	association	NOUN
fsr-3433	47	20	of	of	ADP
fsr-3433	47	21	financial	financial	ADJ
fsr-3433	47	22	literacy	literacy	NOUN
fsr-3433	47	23	,	,	PUNCT
fsr-3433	47	24	attitude	attitude	NOUN
fsr-3433	47	25	towards	towards	ADP
fsr-3433	47	26	balancing	balance	VERB
fsr-3433	47	27	spending	spending	NOUN
fsr-3433	47	28	and	and	CCONJ
fsr-3433	47	29	savings	saving	NOUN
fsr-3433	47	30	,	,	PUNCT
fsr-3433	47	31	and	and	CCONJ
fsr-3433	47	32	financial	financial	ADJ
fsr-3433	47	33	satisfaction	satisfaction	NOUN
fsr-3433	47	34	with	with	ADP
fsr-3433	47	35	credit	credit	NOUN
fsr-3433	47	36	card	card	NOUN
fsr-3433	47	37	debt	debt	NOUN
fsr-3433	47	38	-	-	PUNCT
fsr-3433	47	39	taking	take	VERB
fsr-3433	47	40	behavior	behavior	NOUN
fsr-3433	47	41	.	.	PUNCT
fsr-3433	48	1	unlike	unlike	ADP
fsr-3433	48	2	prior	prior	ADJ
fsr-3433	48	3	studies	study	NOUN
fsr-3433	48	4	,	,	PUNCT
fsr-3433	48	5	this	this	DET
fsr-3433	48	6	study	study	NOUN
fsr-3433	48	7	researches	research	VERB
fsr-3433	48	8	the	the	DET
fsr-3433	48	9	relative	relative	ADJ
fsr-3433	48	10	weight	weight	NOUN
fsr-3433	48	11	of	of	ADP
fsr-3433	48	12	the	the	DET
fsr-3433	48	13	association	association	NOUN
fsr-3433	48	14	and	and	CCONJ
fsr-3433	48	15	analyzes	analyze	VERB
fsr-3433	48	16	the	the	DET
fsr-3433	48	17	2016	2016	NUM
fsr-3433	48	18	wave	wave	NOUN
fsr-3433	48	19	of	of	ADP
fsr-3433	48	20	household	household	NOUN
fsr-3433	48	21	,	,	PUNCT
fsr-3433	48	22	income	income	NOUN
fsr-3433	48	23	,	,	PUNCT
fsr-3433	48	24	and	and	CCONJ
fsr-3433	48	25	labor	labor	NOUN
fsr-3433	48	26	dynamics	dynamic	NOUN
fsr-3433	48	27	in	in	ADP
fsr-3433	48	28	australia	australia	PROPN
fsr-3433	48	29	(	(	PUNCT
fsr-3433	48	30	hilda	hilda	PROPN
fsr-3433	48	31	)	)	PUNCT
fsr-3433	48	32	survey	survey	NOUN
fsr-3433	48	33	,	,	PUNCT
fsr-3433	48	34	which	which	PRON
fsr-3433	48	35	reflects	reflect	VERB
fsr-3433	48	36	australian	australian	ADJ
fsr-3433	48	37	household	household	NOUN
fsr-3433	48	38	financial	financial	ADJ
fsr-3433	48	39	behavior	behavior	NOUN
fsr-3433	48	40	and	and	CCONJ
fsr-3433	48	41	many	many	ADJ
fsr-3433	48	42	other	other	ADJ
fsr-3433	48	43	household	household	NOUN
fsr-3433	48	44	characteristics.1	characteristics.1	NOUN
fsr-3433	48	45	in	in	ADP
fsr-3433	48	46	our	our	PRON
fsr-3433	48	47	empirical	empirical	ADJ
fsr-3433	48	48	analysis	analysis	NOUN
fsr-3433	48	49	,	,	PUNCT
fsr-3433	48	50	we	we	PRON
fsr-3433	48	51	find	find	VERB
fsr-3433	48	52	a	a	DET
fsr-3433	48	53	negative	negative	ADJ
fsr-3433	48	54	association	association	NOUN
fsr-3433	48	55	between	between	ADP
fsr-3433	48	56	financial	financial	ADJ
fsr-3433	48	57	literacy	literacy	NOUN
fsr-3433	48	58	and	and	CCONJ
fsr-3433	48	59	credit	credit	NOUN
fsr-3433	48	60	card	card	NOUN
fsr-3433	48	61	debt	debt	NOUN
fsr-3433	48	62	-	-	PUNCT
fsr-3433	48	63	taking	take	VERB
fsr-3433	48	64	behavior	behavior	NOUN
fsr-3433	48	65	.	.	PUNCT
fsr-3433	49	1	in	in	ADP
fsr-3433	49	2	the	the	DET
fsr-3433	49	3	sensitivity	sensitivity	NOUN
fsr-3433	49	4	analysis	analysis	NOUN
fsr-3433	49	5	,	,	PUNCT
fsr-3433	49	6	where	where	SCONJ
fsr-3433	49	7	we	we	PRON
fsr-3433	49	8	include	include	VERB
fsr-3433	49	9	respondents	respondent	NOUN
fsr-3433	49	10	’	'	PUNCT
fsr-3433	49	11	attitude	attitude	NOUN
fsr-3433	49	12	towards	towards	ADP
fsr-3433	49	13	balancing	balance	VERB
fsr-3433	49	14	spending	spending	NOUN
fsr-3433	49	15	and	and	CCONJ
fsr-3433	49	16	savings	saving	NOUN
fsr-3433	49	17	and	and	CCONJ
fsr-3433	49	18	respondents	respondent	NOUN
fsr-3433	49	19	’	'	PUNCT
fsr-3433	49	20	financial	financial	ADJ
fsr-3433	49	21	satisfaction	satisfaction	NOUN
fsr-3433	49	22	,	,	PUNCT
fsr-3433	49	23	the	the	DET
fsr-3433	49	24	association	association	NOUN
fsr-3433	49	25	between	between	ADP
fsr-3433	49	26	financial	financial	ADJ
fsr-3433	49	27	literacy	literacy	NOUN
fsr-3433	49	28	and	and	CCONJ
fsr-3433	49	29	credit	credit	NOUN
fsr-3433	49	30	card	card	NOUN
fsr-3433	49	31	debt	debt	NOUN
fsr-3433	49	32	-	-	PUNCT
fsr-3433	49	33	taking	take	VERB
fsr-3433	49	34	behavior	behavior	NOUN
fsr-3433	49	35	remains	remain	VERB
fsr-3433	49	36	negative	negative	ADJ
fsr-3433	49	37	.	.	PUNCT
fsr-3433	50	1	a	a	DET
fsr-3433	50	2	comparison	comparison	NOUN
fsr-3433	50	3	of	of	ADP
fsr-3433	50	4	the	the	DET
fsr-3433	50	5	various	various	ADJ
fsr-3433	50	6	factors	factor	NOUN
fsr-3433	50	7	using	use	VERB
fsr-3433	50	8	the	the	DET
fsr-3433	50	9	average	average	ADJ
fsr-3433	50	10	marginal	marginal	ADJ
fsr-3433	50	11	effects	effect	NOUN
fsr-3433	50	12	(	(	PUNCT
fsr-3433	50	13	ames	ame	NOUN
fsr-3433	50	14	)	)	PUNCT
fsr-3433	50	15	reveals	reveal	VERB
fsr-3433	50	16	that	that	SCONJ
fsr-3433	50	17	attitude	attitude	NOUN
fsr-3433	50	18	toward	toward	ADP
fsr-3433	50	19	spending	spending	NOUN
fsr-3433	50	20	and	and	CCONJ
fsr-3433	50	21	savings	saving	NOUN
fsr-3433	50	22	has	have	VERB
fsr-3433	50	23	the	the	DET
fsr-3433	50	24	strongest	strong	ADJ
fsr-3433	50	25	relationship	relationship	NOUN
fsr-3433	50	26	with	with	ADP
fsr-3433	50	27	credit	credit	NOUN
fsr-3433	50	28	card	card	NOUN
fsr-3433	50	29	debt	debt	NOUN
fsr-3433	50	30	-	-	PUNCT
fsr-3433	50	31	taking	take	VERB
fsr-3433	50	32	behavior	behavior	NOUN
fsr-3433	50	33	,	,	PUNCT
fsr-3433	50	34	followed	follow	VERB
fsr-3433	50	35	by	by	ADP
fsr-3433	50	36	financial	financial	ADJ
fsr-3433	50	37	satisfaction	satisfaction	NOUN
fsr-3433	50	38	and	and	CCONJ
fsr-3433	50	39	financial	financial	ADJ
fsr-3433	50	40	literacy	literacy	NOUN
fsr-3433	50	41	,	,	PUNCT
fsr-3433	50	42	respectively	respectively	ADV
fsr-3433	50	43	.	.	PUNCT
fsr-3433	51	1	this	this	PRON
fsr-3433	51	2	implies	imply	VERB
fsr-3433	51	3	that	that	SCONJ
fsr-3433	51	4	financial	financial	ADJ
fsr-3433	51	5	literacy	literacy	NOUN
fsr-3433	51	6	has	have	VERB
fsr-3433	51	7	a	a	DET
fsr-3433	51	8	relatively	relatively	ADV
fsr-3433	51	9	weaker	weak	ADJ
fsr-3433	51	10	magnitude	magnitude	NOUN
fsr-3433	51	11	of	of	ADP
fsr-3433	51	12	relationship	relationship	NOUN
fsr-3433	51	13	with	with	ADP
fsr-3433	51	14	credit	credit	NOUN
fsr-3433	51	15	card	card	NOUN
fsr-3433	51	16	debt	debt	NOUN
fsr-3433	51	17	-	-	PUNCT
fsr-3433	51	18	taking	take	VERB
fsr-3433	51	19	behavior	behavior	NOUN
fsr-3433	51	20	,	,	PUNCT
fsr-3433	51	21	yet	yet	ADV
fsr-3433	51	22	remains	remain	VERB
fsr-3433	51	23	a	a	DET
fsr-3433	51	24	significant	significant	ADJ
fsr-3433	51	25	factor	factor	NOUN
fsr-3433	51	26	to	to	PART
fsr-3433	51	27	have	have	VERB
fsr-3433	51	28	an	an	DET
fsr-3433	51	29	association	association	NOUN
fsr-3433	51	30	with	with	ADP
fsr-3433	51	31	credit	credit	NOUN
fsr-3433	51	32	card	card	NOUN
fsr-3433	51	33	debt	debt	NOUN
fsr-3433	51	34	-	-	PUNCT
fsr-3433	51	35	taking	take	VERB
fsr-3433	51	36	behavior	behavior	NOUN
fsr-3433	51	37	.	.	PUNCT
fsr-3433	52	1	furthermore	furthermore	ADV
fsr-3433	52	2	,	,	PUNCT
fsr-3433	52	3	the	the	DET
fsr-3433	52	4	analysis	analysis	NOUN
fsr-3433	52	5	shows	show	VERB
fsr-3433	52	6	that	that	SCONJ
fsr-3433	52	7	the	the	DET
fsr-3433	52	8	concept	concept	NOUN
fsr-3433	52	9	of	of	ADP
fsr-3433	52	10	simple	simple	ADJ
fsr-3433	52	11	interest	interest	NOUN
fsr-3433	52	12	(	(	PUNCT
fsr-3433	52	13	one	one	NUM
fsr-3433	52	14	of	of	ADP
fsr-3433	52	15	the	the	DET
fsr-3433	52	16	five	five	NUM
fsr-3433	52	17	financial	financial	ADJ
fsr-3433	52	18	literacy	literacy	NOUN
fsr-3433	52	19	concepts	concept	NOUN
fsr-3433	52	20	)	)	PUNCT
fsr-3433	52	21	has	have	VERB
fsr-3433	52	22	a	a	DET
fsr-3433	52	23	highly	highly	ADV
fsr-3433	52	24	negative	negative	ADJ
fsr-3433	52	25	association	association	NOUN
fsr-3433	52	26	with	with	ADP
fsr-3433	52	27	credit	credit	NOUN
fsr-3433	52	28	card	card	NOUN
fsr-3433	52	29	debt	debt	NOUN
fsr-3433	52	30	-	-	PUNCT
fsr-3433	52	31	taking	take	VERB
fsr-3433	52	32	behavior	behavior	NOUN
fsr-3433	52	33	.	.	PUNCT
fsr-3433	53	1	the	the	DET
fsr-3433	53	2	research	research	NOUN
fsr-3433	53	3	has	have	VERB
fsr-3433	53	4	policy	policy	NOUN
fsr-3433	53	5	implications	implication	NOUN
fsr-3433	53	6	suggesting	suggest	VERB
fsr-3433	53	7	that	that	SCONJ
fsr-3433	53	8	financial	financial	ADJ
fsr-3433	53	9	education	education	NOUN
fsr-3433	53	10	has	have	VERB
fsr-3433	53	11	some	some	DET
fsr-3433	53	12	,	,	PUNCT
fsr-3433	53	13	but	but	CCONJ
fsr-3433	53	14	limited	limited	ADJ
fsr-3433	53	15	association	association	NOUN
fsr-3433	53	16	.	.	PUNCT
fsr-3433	54	1	financial	financial	ADJ
fsr-3433	54	2	literacy	literacy	NOUN
fsr-3433	54	3	curricula	curricula	NOUN
fsr-3433	54	4	that	that	PRON
fsr-3433	54	5	include	include	VERB
fsr-3433	54	6	financial	financial	ADJ
fsr-3433	54	7	behaviors	behavior	NOUN
fsr-3433	54	8	,	,	PUNCT
fsr-3433	54	9	such	such	ADJ
fsr-3433	54	10	as	as	ADP
fsr-3433	54	11	attitude	attitude	NOUN
fsr-3433	54	12	towards	towards	ADP
fsr-3433	54	13	balancing	balance	VERB
fsr-3433	54	14	spending	spending	NOUN
fsr-3433	54	15	and	and	CCONJ
fsr-3433	54	16	savings	saving	NOUN
fsr-3433	54	17	will	will	AUX
fsr-3433	54	18	be	be	AUX
fsr-3433	54	19	more	more	ADV
fsr-3433	54	20	influential	influential	ADJ
fsr-3433	54	21	at	at	ADP
fsr-3433	54	22	reducing	reduce	VERB
fsr-3433	54	23	credit	credit	NOUN
fsr-3433	54	24	card	card	NOUN
fsr-3433	54	25	debt	debt	NOUN
fsr-3433	54	26	-	-	PUNCT
fsr-3433	54	27	taking	take	VERB
fsr-3433	54	28	behavior	behavior	NOUN
fsr-3433	54	29	.	.	PUNCT
fsr-3433	55	1	the	the	DET
fsr-3433	55	2	rest	rest	NOUN
fsr-3433	55	3	of	of	ADP
fsr-3433	55	4	the	the	DET
fsr-3433	55	5	article	article	NOUN
fsr-3433	55	6	reviews	review	VERB
fsr-3433	55	7	relevant	relevant	ADJ
fsr-3433	55	8	prior	prior	ADJ
fsr-3433	55	9	studies	study	NOUN
fsr-3433	55	10	,	,	PUNCT
fsr-3433	55	11	explains	explain	VERB
fsr-3433	55	12	the	the	DET
fsr-3433	55	13	data	datum	NOUN
fsr-3433	55	14	and	and	CCONJ
fsr-3433	55	15	method	method	NOUN
fsr-3433	55	16	of	of	ADP
fsr-3433	55	17	data	datum	NOUN
fsr-3433	55	18	analysis	analysis	NOUN
fsr-3433	55	19	,	,	PUNCT
fsr-3433	55	20	presents	present	VERB
fsr-3433	55	21	empirical	empirical	ADJ
fsr-3433	55	22	results	result	NOUN
fsr-3433	55	23	,	,	PUNCT
fsr-3433	55	24	discusses	discuss	VERB
fsr-3433	55	25	these	these	DET
fsr-3433	55	26	results	result	NOUN
fsr-3433	55	27	,	,	PUNCT
fsr-3433	55	28	and	and	CCONJ
fsr-3433	55	29	concludes	conclude	VERB
fsr-3433	55	30	with	with	ADP
fsr-3433	55	31	a	a	DET
fsr-3433	55	32	direction	direction	NOUN
fsr-3433	55	33	for	for	ADP
fsr-3433	55	34	future	future	ADJ
fsr-3433	55	35	research	research	NOUN
fsr-3433	55	36	.	.	PUNCT
fsr-3433	56	1	m.	m.	NOUN
fsr-3433	56	2	s.	s.	PROPN
fsr-3433	56	3	tahir	tahir	PROPN
fsr-3433	56	4	et	et	PROPN
fsr-3433	56	5	al	al	PROPN
fsr-3433	56	6	.	.	PUNCT
fsr-3433	56	7	/	/	SYM
fsr-3433	56	8	financial	financial	ADJ
fsr-3433	56	9	services	service	NOUN
fsr-3433	56	10	review	review	VERB
fsr-3433	56	11	28	28	NUM
fsr-3433	56	12	(	(	PUNCT
fsr-3433	56	13	2020	2020	NUM
fsr-3433	56	14	)	)	PUNCT
fsr-3433	57	1	273–301	273–301	NUM
fsr-3433	57	2	275	275	NUM
fsr-3433	57	3	2	2	NUM
fsr-3433	57	4	.	.	PUNCT
fsr-3433	58	1	literature	literature	NOUN
fsr-3433	58	2	review	review	VERB
fsr-3433	58	3	2.1	2.1	NUM
fsr-3433	58	4	.	.	PUNCT
fsr-3433	59	1	financial	financial	ADJ
fsr-3433	59	2	literacy	literacy	NOUN
fsr-3433	59	3	and	and	CCONJ
fsr-3433	59	4	financial	financial	ADJ
fsr-3433	59	5	decisions	decision	NOUN
fsr-3433	59	6	as	as	ADP
fsr-3433	59	7	debt	debt	NOUN
fsr-3433	59	8	-	-	PUNCT
fsr-3433	59	9	taking	taking	NOUN
fsr-3433	59	10	is	be	AUX
fsr-3433	59	11	a	a	DET
fsr-3433	59	12	part	part	NOUN
fsr-3433	59	13	of	of	ADP
fsr-3433	59	14	household	household	NOUN
fsr-3433	59	15	financial	financial	ADJ
fsr-3433	59	16	decisions	decision	NOUN
fsr-3433	59	17	,	,	PUNCT
fsr-3433	59	18	our	our	PRON
fsr-3433	59	19	review	review	NOUN
fsr-3433	59	20	includes	include	VERB
fsr-3433	59	21	studies	study	NOUN
fsr-3433	59	22	that	that	PRON
fsr-3433	59	23	are	be	AUX
fsr-3433	59	24	related	relate	VERB
fsr-3433	59	25	to	to	ADP
fsr-3433	59	26	explaining	explain	VERB
fsr-3433	59	27	the	the	DET
fsr-3433	59	28	relationship	relationship	NOUN
fsr-3433	59	29	between	between	ADP
fsr-3433	59	30	financial	financial	ADJ
fsr-3433	59	31	literacy	literacy	NOUN
fsr-3433	59	32	and	and	CCONJ
fsr-3433	59	33	financial	financial	ADJ
fsr-3433	59	34	decisions	decision	NOUN
fsr-3433	59	35	.	.	PUNCT
fsr-3433	60	1	literature	literature	NOUN
fsr-3433	60	2	specifically	specifically	ADV
fsr-3433	60	3	related	relate	VERB
fsr-3433	60	4	to	to	ADP
fsr-3433	60	5	credit	credit	NOUN
fsr-3433	60	6	card	card	NOUN
fsr-3433	60	7	debt	debt	NOUN
fsr-3433	60	8	-	-	PUNCT
fsr-3433	60	9	taking	take	VERB
fsr-3433	60	10	behavior	behavior	NOUN
fsr-3433	60	11	is	be	AUX
fsr-3433	60	12	considered	consider	VERB
fsr-3433	60	13	,	,	PUNCT
fsr-3433	60	14	but	but	CCONJ
fsr-3433	60	15	few	few	ADJ
fsr-3433	60	16	studies	study	NOUN
fsr-3433	60	17	focus	focus	VERB
fsr-3433	60	18	on	on	ADP
fsr-3433	60	19	this	this	PRON
fsr-3433	60	20	.	.	PUNCT
fsr-3433	61	1	remund	remund	NOUN
fsr-3433	61	2	(	(	PUNCT
fsr-3433	61	3	2010	2010	NUM
fsr-3433	61	4	,	,	PUNCT
fsr-3433	61	5	p.	p.	NOUN
fsr-3433	61	6	284	284	NUM
fsr-3433	61	7	)	)	PUNCT
fsr-3433	61	8	provides	provide	VERB
fsr-3433	61	9	a	a	DET
fsr-3433	61	10	synthesized	synthesize	VERB
fsr-3433	61	11	definition	definition	NOUN
fsr-3433	61	12	of	of	ADP
fsr-3433	61	13	financial	financial	ADJ
fsr-3433	61	14	literacy	literacy	NOUN
fsr-3433	61	15	in	in	ADP
fsr-3433	61	16	the	the	DET
fsr-3433	61	17	following	following	ADJ
fsr-3433	61	18	words	word	NOUN
fsr-3433	61	19	:	:	PUNCT
fsr-3433	61	20	“	"	PUNCT
fsr-3433	61	21	financial	financial	ADJ
fsr-3433	61	22	literacy	literacy	NOUN
fsr-3433	61	23	is	be	AUX
fsr-3433	61	24	a	a	DET
fsr-3433	61	25	measure	measure	NOUN
fsr-3433	61	26	of	of	ADP
fsr-3433	61	27	the	the	DET
fsr-3433	61	28	degree	degree	NOUN
fsr-3433	61	29	to	to	PART
fsr-3433	61	30	which	which	PRON
fsr-3433	61	31	one	one	PRON
fsr-3433	61	32	understands	understand	VERB
fsr-3433	61	33	key	key	ADJ
fsr-3433	61	34	financial	financial	ADJ
fsr-3433	61	35	concepts	concept	NOUN
fsr-3433	61	36	and	and	CCONJ
fsr-3433	61	37	possesses	possess	VERB
fsr-3433	61	38	the	the	DET
fsr-3433	61	39	ability	ability	NOUN
fsr-3433	61	40	and	and	CCONJ
fsr-3433	61	41	confidence	confidence	NOUN
fsr-3433	61	42	to	to	PART
fsr-3433	61	43	manage	manage	VERB
fsr-3433	61	44	personal	personal	ADJ
fsr-3433	61	45	finances	finance	NOUN
fsr-3433	61	46	through	through	ADP
fsr-3433	61	47	appropriate	appropriate	ADJ
fsr-3433	61	48	,	,	PUNCT
fsr-3433	61	49	short	short	ADJ
fsr-3433	61	50	-	-	PUNCT
fsr-3433	61	51	term	term	NOUN
fsr-3433	61	52	decision	decision	NOUN
fsr-3433	61	53	-	-	PUNCT
fsr-3433	61	54	making	making	NOUN
fsr-3433	61	55	and	and	CCONJ
fsr-3433	61	56	sound	sound	ADJ
fsr-3433	61	57	,	,	PUNCT
fsr-3433	61	58	long	long	ADJ
fsr-3433	61	59	-	-	PUNCT
fsr-3433	61	60	range	range	NOUN
fsr-3433	61	61	financial	financial	ADJ
fsr-3433	61	62	planning	planning	NOUN
fsr-3433	61	63	,	,	PUNCT
fsr-3433	61	64	while	while	SCONJ
fsr-3433	61	65	mindful	mindful	ADJ
fsr-3433	61	66	of	of	ADP
fsr-3433	61	67	life	life	NOUN
fsr-3433	61	68	events	event	NOUN
fsr-3433	61	69	and	and	CCONJ
fsr-3433	61	70	changing	change	VERB
fsr-3433	61	71	economic	economic	ADJ
fsr-3433	61	72	conditions	condition	NOUN
fsr-3433	61	73	.	.	PUNCT
fsr-3433	61	74	”	"	PUNCT
fsr-3433	62	1	this	this	DET
fsr-3433	62	2	definition	definition	NOUN
fsr-3433	62	3	addresses	address	VERB
fsr-3433	62	4	that	that	SCONJ
fsr-3433	62	5	financial	financial	ADJ
fsr-3433	62	6	literacy	literacy	NOUN
fsr-3433	62	7	helps	help	VERB
fsr-3433	62	8	to	to	PART
fsr-3433	62	9	improve	improve	VERB
fsr-3433	62	10	household	household	NOUN
fsr-3433	62	11	financial	financial	ADJ
fsr-3433	62	12	decisions	decision	NOUN
fsr-3433	62	13	(	(	PUNCT
fsr-3433	62	14	alhenawi	alhenawi	NOUN
fsr-3433	62	15	&	&	CCONJ
fsr-3433	62	16	elkhal	elkhal	PROPN
fsr-3433	62	17	,	,	PUNCT
fsr-3433	62	18	2013	2013	NUM
fsr-3433	62	19	)	)	PUNCT
fsr-3433	62	20	.	.	PUNCT
fsr-3433	63	1	one	one	NUM
fsr-3433	63	2	research	research	NOUN
fsr-3433	63	3	avenue	avenue	NOUN
fsr-3433	63	4	has	have	AUX
fsr-3433	63	5	been	be	AUX
fsr-3433	63	6	to	to	PART
fsr-3433	63	7	investigate	investigate	VERB
fsr-3433	63	8	if	if	SCONJ
fsr-3433	63	9	financial	financial	ADJ
fsr-3433	63	10	literacy	literacy	NOUN
fsr-3433	63	11	is	be	AUX
fsr-3433	63	12	related	relate	VERB
fsr-3433	63	13	to	to	ADP
fsr-3433	63	14	improved	improve	VERB
fsr-3433	63	15	financial	financial	ADJ
fsr-3433	63	16	planning	planning	NOUN
fsr-3433	63	17	for	for	ADP
fsr-3433	63	18	retirement	retirement	NOUN
fsr-3433	63	19	.	.	PUNCT
fsr-3433	64	1	lusardi	lusardi	PROPN
fsr-3433	64	2	and	and	CCONJ
fsr-3433	64	3	mitchell	mitchell	PROPN
fsr-3433	64	4	(	(	PUNCT
fsr-3433	64	5	2007	2007	NUM
fsr-3433	64	6	)	)	PUNCT
fsr-3433	64	7	survey	survey	VERB
fsr-3433	64	8	those	those	PRON
fsr-3433	64	9	who	who	PRON
fsr-3433	64	10	are	be	AUX
fsr-3433	64	11	above	above	ADP
fsr-3433	64	12	50	50	NUM
fsr-3433	64	13	years	year	NOUN
fsr-3433	64	14	of	of	ADP
fsr-3433	64	15	age	age	NOUN
fsr-3433	64	16	to	to	PART
fsr-3433	64	17	know	know	VERB
fsr-3433	64	18	about	about	ADP
fsr-3433	64	19	their	their	PRON
fsr-3433	64	20	financial	financial	ADJ
fsr-3433	64	21	literacy	literacy	NOUN
fsr-3433	64	22	skills	skill	NOUN
fsr-3433	64	23	and	and	CCONJ
fsr-3433	64	24	retirement	retirement	NOUN
fsr-3433	64	25	preparedness	preparedness	NOUN
fsr-3433	64	26	.	.	PUNCT
fsr-3433	65	1	they	they	PRON
fsr-3433	65	2	find	find	VERB
fsr-3433	65	3	that	that	SCONJ
fsr-3433	65	4	most	most	ADJ
fsr-3433	65	5	of	of	ADP
fsr-3433	65	6	the	the	DET
fsr-3433	65	7	respondents	respondent	NOUN
fsr-3433	65	8	who	who	PRON
fsr-3433	65	9	are	be	AUX
fsr-3433	65	10	unable	unable	ADJ
fsr-3433	65	11	to	to	PART
fsr-3433	65	12	answer	answer	VERB
fsr-3433	65	13	the	the	DET
fsr-3433	65	14	basic	basic	ADJ
fsr-3433	65	15	financial	financial	ADJ
fsr-3433	65	16	literacy	literacy	NOUN
fsr-3433	65	17	questions	question	NOUN
fsr-3433	65	18	are	be	AUX
fsr-3433	65	19	unprepared	unprepared	ADJ
fsr-3433	65	20	for	for	ADP
fsr-3433	65	21	their	their	PRON
fsr-3433	65	22	retirement	retirement	NOUN
fsr-3433	65	23	.	.	PUNCT
fsr-3433	66	1	as	as	ADP
fsr-3433	66	2	a	a	DET
fsr-3433	66	3	result	result	NOUN
fsr-3433	66	4	,	,	PUNCT
fsr-3433	66	5	they	they	PRON
fsr-3433	66	6	conclude	conclude	VERB
fsr-3433	66	7	that	that	SCONJ
fsr-3433	66	8	being	be	AUX
fsr-3433	66	9	financially	financially	ADV
fsr-3433	66	10	illiterate	illiterate	ADJ
fsr-3433	66	11	may	may	AUX
fsr-3433	66	12	be	be	AUX
fsr-3433	66	13	a	a	DET
fsr-3433	66	14	reason	reason	NOUN
fsr-3433	66	15	behind	behind	ADP
fsr-3433	66	16	retirement	retirement	NOUN
fsr-3433	66	17	unpreparedness	unpreparedness	NOUN
fsr-3433	66	18	.	.	PUNCT
fsr-3433	67	1	martin	martin	PROPN
fsr-3433	67	2	and	and	CCONJ
fsr-3433	67	3	finke	finke	PROPN
fsr-3433	67	4	(	(	PUNCT
fsr-3433	67	5	2014	2014	NUM
fsr-3433	67	6	)	)	PUNCT
fsr-3433	67	7	find	find	VERB
fsr-3433	67	8	that	that	SCONJ
fsr-3433	67	9	the	the	DET
fsr-3433	67	10	use	use	NOUN
fsr-3433	67	11	of	of	ADP
fsr-3433	67	12	a	a	DET
fsr-3433	67	13	financial	financial	ADJ
fsr-3433	67	14	planner	planner	NOUN
fsr-3433	67	15	has	have	VERB
fsr-3433	67	16	a	a	DET
fsr-3433	67	17	large	large	ADJ
fsr-3433	67	18	impact	impact	NOUN
fsr-3433	67	19	on	on	ADP
fsr-3433	67	20	retirement	retirement	NOUN
fsr-3433	67	21	preparedness	preparedness	NOUN
fsr-3433	67	22	.	.	PUNCT
fsr-3433	68	1	moreover	moreover	ADV
fsr-3433	68	2	,	,	PUNCT
fsr-3433	68	3	van	van	PROPN
fsr-3433	68	4	rooij	rooij	NOUN
fsr-3433	68	5	,	,	PUNCT
fsr-3433	68	6	lusardi	lusardi	NOUN
fsr-3433	68	7	,	,	PUNCT
fsr-3433	68	8	and	and	CCONJ
fsr-3433	68	9	alessie	alessie	ADJ
fsr-3433	68	10	(	(	PUNCT
fsr-3433	68	11	2011	2011	NUM
fsr-3433	68	12	)	)	PUNCT
fsr-3433	68	13	analyze	analyze	VERB
fsr-3433	68	14	if	if	SCONJ
fsr-3433	68	15	financial	financial	ADJ
fsr-3433	68	16	knowledge	knowledge	NOUN
fsr-3433	68	17	and	and	CCONJ
fsr-3433	68	18	retirement	retirement	NOUN
fsr-3433	68	19	planning	planning	NOUN
fsr-3433	68	20	are	be	AUX
fsr-3433	68	21	associated	associate	VERB
fsr-3433	68	22	with	with	ADP
fsr-3433	68	23	each	each	DET
fsr-3433	68	24	other	other	ADJ
fsr-3433	68	25	.	.	PUNCT
fsr-3433	69	1	they	they	PRON
fsr-3433	69	2	utilize	utilize	VERB
fsr-3433	69	3	data	datum	NOUN
fsr-3433	69	4	from	from	ADP
fsr-3433	69	5	the	the	DET
fsr-3433	69	6	netherlands	netherlands	PROPN
fsr-3433	69	7	and	and	CCONJ
fsr-3433	69	8	find	find	VERB
fsr-3433	69	9	a	a	DET
fsr-3433	69	10	strong	strong	ADJ
fsr-3433	69	11	positive	positive	ADJ
fsr-3433	69	12	association	association	NOUN
fsr-3433	69	13	between	between	ADP
fsr-3433	69	14	financial	financial	ADJ
fsr-3433	69	15	knowledge	knowledge	NOUN
fsr-3433	69	16	and	and	CCONJ
fsr-3433	69	17	retirement	retirement	NOUN
fsr-3433	69	18	planning	planning	NOUN
fsr-3433	69	19	.	.	PUNCT
fsr-3433	70	1	financial	financial	ADJ
fsr-3433	70	2	literacy	literacy	NOUN
fsr-3433	70	3	is	be	AUX
fsr-3433	70	4	related	relate	VERB
fsr-3433	70	5	to	to	ADP
fsr-3433	70	6	other	other	ADJ
fsr-3433	70	7	apt	apt	ADJ
fsr-3433	70	8	financial	financial	ADJ
fsr-3433	70	9	behaviors	behavior	NOUN
fsr-3433	70	10	.	.	PUNCT
fsr-3433	71	1	worthington	worthington	PROPN
fsr-3433	71	2	(	(	PUNCT
fsr-3433	71	3	2006	2006	NUM
fsr-3433	71	4	)	)	PUNCT
fsr-3433	71	5	uses	use	VERB
fsr-3433	71	6	australian	australian	ADJ
fsr-3433	71	7	data	datum	NOUN
fsr-3433	71	8	to	to	PART
fsr-3433	71	9	explore	explore	VERB
fsr-3433	71	10	the	the	DET
fsr-3433	71	11	association	association	NOUN
fsr-3433	71	12	of	of	ADP
fsr-3433	71	13	demographic	demographic	ADJ
fsr-3433	71	14	,	,	PUNCT
fsr-3433	71	15	socioeconomic	socioeconomic	ADJ
fsr-3433	71	16	,	,	PUNCT
fsr-3433	71	17	and	and	CCONJ
fsr-3433	71	18	financial	financial	ADJ
fsr-3433	71	19	factors	factor	NOUN
fsr-3433	71	20	with	with	ADP
fsr-3433	71	21	the	the	DET
fsr-3433	71	22	financial	financial	ADJ
fsr-3433	71	23	literacy	literacy	NOUN
fsr-3433	71	24	of	of	ADP
fsr-3433	71	25	australian	australian	ADJ
fsr-3433	71	26	households	household	NOUN
fsr-3433	71	27	.	.	PUNCT
fsr-3433	72	1	among	among	ADP
fsr-3433	72	2	other	other	ADJ
fsr-3433	72	3	results	result	NOUN
fsr-3433	72	4	,	,	PUNCT
fsr-3433	72	5	he	he	PRON
fsr-3433	72	6	finds	find	VERB
fsr-3433	72	7	a	a	DET
fsr-3433	72	8	positive	positive	ADJ
fsr-3433	72	9	association	association	NOUN
fsr-3433	72	10	between	between	ADP
fsr-3433	72	11	higher	high	ADJ
fsr-3433	72	12	levels	level	NOUN
fsr-3433	72	13	of	of	ADP
fsr-3433	72	14	mortgage	mortgage	NOUN
fsr-3433	72	15	debt	debt	NOUN
fsr-3433	72	16	and	and	CCONJ
fsr-3433	72	17	financial	financial	ADJ
fsr-3433	72	18	literacy	literacy	NOUN
fsr-3433	72	19	.	.	PUNCT
fsr-3433	73	1	in	in	ADP
fsr-3433	73	2	addition	addition	NOUN
fsr-3433	73	3	,	,	PUNCT
fsr-3433	73	4	he	he	PRON
fsr-3433	73	5	also	also	ADV
fsr-3433	73	6	finds	find	VERB
fsr-3433	73	7	a	a	DET
fsr-3433	73	8	positive	positive	ADJ
fsr-3433	73	9	association	association	NOUN
fsr-3433	73	10	between	between	ADP
fsr-3433	73	11	higher	high	ADJ
fsr-3433	73	12	levels	level	NOUN
fsr-3433	73	13	of	of	ADP
fsr-3433	73	14	household	household	NOUN
fsr-3433	73	15	savings	saving	NOUN
fsr-3433	73	16	and	and	CCONJ
fsr-3433	73	17	financial	financial	ADJ
fsr-3433	73	18	literacy	literacy	NOUN
fsr-3433	73	19	.	.	PUNCT
fsr-3433	74	1	similarly	similarly	ADV
fsr-3433	74	2	,	,	PUNCT
fsr-3433	74	3	davutyan	davutyan	ADJ
fsr-3433	74	4	and	and	CCONJ
fsr-3433	74	5	öztürkkal	öztürkkal	NUM
fsr-3433	74	6	(	(	PUNCT
fsr-3433	74	7	2016	2016	NUM
fsr-3433	74	8	)	)	PUNCT
fsr-3433	74	9	study	study	VERB
fsr-3433	74	10	turkish	turkish	ADJ
fsr-3433	74	11	households	household	NOUN
fsr-3433	74	12	and	and	CCONJ
fsr-3433	74	13	find	find	VERB
fsr-3433	74	14	that	that	SCONJ
fsr-3433	74	15	an	an	DET
fsr-3433	74	16	increase	increase	NOUN
fsr-3433	74	17	in	in	ADP
fsr-3433	74	18	literacy	literacy	NOUN
fsr-3433	74	19	level	level	NOUN
fsr-3433	74	20	increases	increase	VERB
fsr-3433	74	21	the	the	DET
fsr-3433	74	22	probability	probability	NOUN
fsr-3433	74	23	of	of	ADP
fsr-3433	74	24	saving	save	VERB
fsr-3433	74	25	more	more	ADJ
fsr-3433	74	26	for	for	ADP
fsr-3433	74	27	unseen	unseen	ADJ
fsr-3433	74	28	future	future	ADJ
fsr-3433	74	29	needs	need	NOUN
fsr-3433	74	30	and	and	CCONJ
fsr-3433	74	31	,	,	PUNCT
fsr-3433	74	32	therefore	therefore	ADV
fsr-3433	74	33	,	,	PUNCT
fsr-3433	74	34	reducing	reduce	VERB
fsr-3433	74	35	the	the	DET
fsr-3433	74	36	use	use	NOUN
fsr-3433	74	37	of	of	ADP
fsr-3433	74	38	debt	debt	NOUN
fsr-3433	74	39	in	in	ADP
fsr-3433	74	40	emergency	emergency	NOUN
fsr-3433	74	41	situations	situation	NOUN
fsr-3433	74	42	.	.	PUNCT
fsr-3433	75	1	moreover	moreover	ADV
fsr-3433	75	2	,	,	PUNCT
fsr-3433	75	3	grinstein	grinstein	NOUN
fsr-3433	75	4	-	-	PUNCT
fsr-3433	75	5	weiss	weiss	PROPN
fsr-3433	75	6	,	,	PUNCT
fsr-3433	75	7	spader	spader	PROPN
fsr-3433	75	8	,	,	PUNCT
fsr-3433	75	9	yeo	yeo	PROPN
fsr-3433	75	10	,	,	PUNCT
fsr-3433	75	11	key	key	NOUN
fsr-3433	75	12	,	,	PUNCT
fsr-3433	75	13	and	and	CCONJ
fsr-3433	75	14	freeze	freeze	NOUN
fsr-3433	75	15	(	(	PUNCT
fsr-3433	75	16	2012	2012	NUM
fsr-3433	75	17	)	)	PUNCT
fsr-3433	75	18	contend	contend	VERB
fsr-3433	75	19	that	that	SCONJ
fsr-3433	75	20	financial	financial	ADJ
fsr-3433	75	21	literacy	literacy	NOUN
fsr-3433	75	22	plays	play	VERB
fsr-3433	75	23	a	a	DET
fsr-3433	75	24	pivotal	pivotal	ADJ
fsr-3433	75	25	role	role	NOUN
fsr-3433	75	26	in	in	ADP
fsr-3433	75	27	shaping	shape	VERB
fsr-3433	75	28	the	the	DET
fsr-3433	75	29	future	future	ADJ
fsr-3433	75	30	financial	financial	ADJ
fsr-3433	75	31	behavior	behavior	NOUN
fsr-3433	75	32	of	of	ADP
fsr-3433	75	33	individuals	individual	NOUN
fsr-3433	75	34	.	.	PUNCT
fsr-3433	76	1	they	they	PRON
fsr-3433	76	2	find	find	VERB
fsr-3433	76	3	that	that	SCONJ
fsr-3433	76	4	those	those	PRON
fsr-3433	76	5	who	who	PRON
fsr-3433	76	6	are	be	AUX
fsr-3433	76	7	taught	teach	VERB
fsr-3433	76	8	financial	financial	ADJ
fsr-3433	76	9	literacy	literacy	NOUN
fsr-3433	76	10	and	and	CCONJ
fsr-3433	76	11	financial	financial	ADJ
fsr-3433	76	12	skills	skill	NOUN
fsr-3433	76	13	because	because	SCONJ
fsr-3433	76	14	their	their	PRON
fsr-3433	76	15	childhood	childhood	NOUN
fsr-3433	76	16	are	be	AUX
fsr-3433	76	17	more	more	ADV
fsr-3433	76	18	likely	likely	ADJ
fsr-3433	76	19	to	to	PART
fsr-3433	76	20	avoid	avoid	VERB
fsr-3433	76	21	loan	loan	NOUN
fsr-3433	76	22	delinquency	delinquency	NOUN
fsr-3433	76	23	in	in	ADP
fsr-3433	76	24	the	the	DET
fsr-3433	76	25	future	future	NOUN
fsr-3433	76	26	.	.	PUNCT
fsr-3433	77	1	alhenawi	alhenawi	NOUN
fsr-3433	77	2	and	and	CCONJ
fsr-3433	77	3	elkhal	elkhal	VERB
fsr-3433	77	4	(	(	PUNCT
fsr-3433	77	5	2013	2013	NUM
fsr-3433	77	6	)	)	PUNCT
fsr-3433	77	7	analyze	analyze	NOUN
fsr-3433	77	8	data	datum	NOUN
fsr-3433	77	9	from	from	ADP
fsr-3433	77	10	the	the	DET
fsr-3433	77	11	united	united	PROPN
fsr-3433	77	12	states	states	PROPN
fsr-3433	77	13	and	and	CCONJ
fsr-3433	77	14	find	find	VERB
fsr-3433	77	15	that	that	SCONJ
fsr-3433	77	16	those	those	PRON
fsr-3433	77	17	who	who	PRON
fsr-3433	77	18	acquire	acquire	VERB
fsr-3433	77	19	financial	financial	ADJ
fsr-3433	77	20	knowledge	knowledge	NOUN
fsr-3433	77	21	through	through	ADP
fsr-3433	77	22	formal	formal	ADJ
fsr-3433	77	23	academic	academic	ADJ
fsr-3433	77	24	experience	experience	NOUN
fsr-3433	77	25	secure	secure	VERB
fsr-3433	77	26	developed	develop	VERB
fsr-3433	77	27	financial	financial	ADJ
fsr-3433	77	28	planning	planning	NOUN
fsr-3433	77	29	skills	skill	NOUN
fsr-3433	77	30	.	.	PUNCT
fsr-3433	78	1	however	however	ADV
fsr-3433	78	2	,	,	PUNCT
fsr-3433	78	3	their	their	PRON
fsr-3433	78	4	results	result	NOUN
fsr-3433	78	5	also	also	ADV
fsr-3433	78	6	suggest	suggest	VERB
fsr-3433	78	7	that	that	SCONJ
fsr-3433	78	8	those	those	PRON
fsr-3433	78	9	who	who	PRON
fsr-3433	78	10	accumulate	accumulate	VERB
fsr-3433	78	11	financial	financial	ADJ
fsr-3433	78	12	knowledge	knowledge	NOUN
fsr-3433	78	13	over	over	ADP
fsr-3433	78	14	time	time	NOUN
fsr-3433	78	15	do	do	AUX
fsr-3433	78	16	not	not	PART
fsr-3433	78	17	have	have	VERB
fsr-3433	78	18	good	good	ADJ
fsr-3433	78	19	financial	financial	ADJ
fsr-3433	78	20	planning	planning	NOUN
fsr-3433	78	21	skills	skill	NOUN
fsr-3433	78	22	.	.	PUNCT
fsr-3433	79	1	lusardi	lusardi	NOUN
fsr-3433	79	2	and	and	CCONJ
fsr-3433	79	3	tufano	tufano	ADJ
fsr-3433	79	4	(	(	PUNCT
fsr-3433	79	5	2015	2015	NUM
fsr-3433	79	6	)	)	PUNCT
fsr-3433	79	7	develop	develop	VERB
fsr-3433	79	8	a	a	DET
fsr-3433	79	9	survey	survey	NOUN
fsr-3433	79	10	to	to	PART
fsr-3433	79	11	test	test	VERB
fsr-3433	79	12	debt	debt	NOUN
fsr-3433	79	13	literacy	literacy	NOUN
fsr-3433	79	14	skills	skill	NOUN
fsr-3433	79	15	.	.	PUNCT
fsr-3433	80	1	they	they	PRON
fsr-3433	80	2	survey	survey	VERB
fsr-3433	80	3	individuals	individual	NOUN
fsr-3433	80	4	from	from	ADP
fsr-3433	80	5	the	the	DET
fsr-3433	80	6	united	united	PROPN
fsr-3433	80	7	states	states	PROPN
fsr-3433	80	8	and	and	CCONJ
fsr-3433	80	9	report	report	VERB
fsr-3433	80	10	a	a	DET
fsr-3433	80	11	low	low	ADJ
fsr-3433	80	12	debt	debt	NOUN
fsr-3433	80	13	literacy	literacy	NOUN
fsr-3433	80	14	level	level	NOUN
fsr-3433	80	15	of	of	ADP
fsr-3433	80	16	the	the	DET
fsr-3433	80	17	respondents	respondent	NOUN
fsr-3433	80	18	.	.	PUNCT
fsr-3433	81	1	they	they	PRON
fsr-3433	81	2	276	276	NUM
fsr-3433	81	3	m.	m.	NOUN
fsr-3433	81	4	s.	s.	PROPN
fsr-3433	81	5	tahir	tahir	PROPN
fsr-3433	81	6	et	et	PROPN
fsr-3433	81	7	al	al	PROPN
fsr-3433	81	8	.	.	PUNCT
fsr-3433	81	9	/	/	SYM
fsr-3433	81	10	financial	financial	ADJ
fsr-3433	81	11	services	service	NOUN
fsr-3433	81	12	review	review	VERB
fsr-3433	81	13	28	28	NUM
fsr-3433	81	14	(	(	PUNCT
fsr-3433	81	15	2020	2020	NUM
fsr-3433	81	16	)	)	PUNCT
fsr-3433	82	1	273–301	273–301	NUM
fsr-3433	82	2	further	far	ADV
fsr-3433	82	3	contend	contend	VERB
fsr-3433	82	4	that	that	SCONJ
fsr-3433	82	5	those	those	PRON
fsr-3433	82	6	who	who	PRON
fsr-3433	82	7	do	do	AUX
fsr-3433	82	8	not	not	PART
fsr-3433	82	9	know	know	VERB
fsr-3433	82	10	the	the	DET
fsr-3433	82	11	concept	concept	NOUN
fsr-3433	82	12	of	of	ADP
fsr-3433	82	13	compound	compound	NOUN
fsr-3433	82	14	interest	interest	NOUN
fsr-3433	82	15	are	be	AUX
fsr-3433	82	16	more	more	ADV
fsr-3433	82	17	likely	likely	ADJ
fsr-3433	82	18	to	to	PART
fsr-3433	82	19	be	be	AUX
fsr-3433	82	20	overindebted	overindebte	VERB
fsr-3433	82	21	.	.	PUNCT
fsr-3433	83	1	the	the	DET
fsr-3433	83	2	results	result	NOUN
fsr-3433	83	3	are	be	AUX
fsr-3433	83	4	consistent	consistent	ADJ
fsr-3433	83	5	after	after	ADP
fsr-3433	83	6	controlling	control	VERB
fsr-3433	83	7	for	for	ADP
fsr-3433	83	8	demographic	demographic	ADJ
fsr-3433	83	9	factors	factor	NOUN
fsr-3433	83	10	as	as	ADV
fsr-3433	83	11	well	well	ADV
fsr-3433	83	12	.	.	PUNCT
fsr-3433	84	1	furthermore	furthermore	ADV
fsr-3433	84	2	,	,	PUNCT
fsr-3433	84	3	huston	huston	PROPN
fsr-3433	84	4	(	(	PUNCT
fsr-3433	84	5	2012	2012	NUM
fsr-3433	84	6	)	)	PUNCT
fsr-3433	84	7	uses	use	VERB
fsr-3433	84	8	data	datum	NOUN
fsr-3433	84	9	of	of	ADP
fsr-3433	84	10	american	american	ADJ
fsr-3433	84	11	consumers	consumer	NOUN
fsr-3433	84	12	to	to	PART
fsr-3433	84	13	analyze	analyze	VERB
fsr-3433	84	14	the	the	DET
fsr-3433	84	15	relationship	relationship	NOUN
fsr-3433	84	16	between	between	ADP
fsr-3433	84	17	financial	financial	ADJ
fsr-3433	84	18	literacy	literacy	NOUN
fsr-3433	84	19	and	and	CCONJ
fsr-3433	84	20	the	the	DET
fsr-3433	84	21	cost	cost	NOUN
fsr-3433	84	22	of	of	ADP
fsr-3433	84	23	borrowing	borrow	VERB
fsr-3433	84	24	via	via	ADP
fsr-3433	84	25	mortgage	mortgage	NOUN
fsr-3433	84	26	loans	loan	NOUN
fsr-3433	84	27	and	and	CCONJ
fsr-3433	84	28	credit	credit	NOUN
fsr-3433	84	29	cards	card	NOUN
fsr-3433	84	30	.	.	PUNCT
fsr-3433	85	1	their	their	PRON
fsr-3433	85	2	results	result	NOUN
fsr-3433	85	3	suggest	suggest	VERB
fsr-3433	85	4	that	that	SCONJ
fsr-3433	85	5	financial	financial	ADJ
fsr-3433	85	6	literacy	literacy	NOUN
fsr-3433	85	7	skills	skill	NOUN
fsr-3433	85	8	equip	equip	VERB
fsr-3433	85	9	a	a	DET
fsr-3433	85	10	consumer	consumer	NOUN
fsr-3433	85	11	with	with	ADP
fsr-3433	85	12	the	the	DET
fsr-3433	85	13	ability	ability	NOUN
fsr-3433	85	14	to	to	PART
fsr-3433	85	15	minimize	minimize	VERB
fsr-3433	85	16	the	the	DET
fsr-3433	85	17	cost	cost	NOUN
fsr-3433	85	18	of	of	ADP
fsr-3433	85	19	borrowing	borrowing	NOUN
fsr-3433	85	20	for	for	ADP
fsr-3433	85	21	both	both	DET
fsr-3433	85	22	mortgage	mortgage	NOUN
fsr-3433	85	23	loans	loan	NOUN
fsr-3433	85	24	and	and	CCONJ
fsr-3433	85	25	credit	credit	NOUN
fsr-3433	85	26	cards	card	NOUN
fsr-3433	85	27	.	.	PUNCT
fsr-3433	86	1	some	some	DET
fsr-3433	86	2	studies	study	NOUN
fsr-3433	86	3	specifically	specifically	ADV
fsr-3433	86	4	investigate	investigate	VERB
fsr-3433	86	5	an	an	DET
fsr-3433	86	6	association	association	NOUN
fsr-3433	86	7	between	between	ADP
fsr-3433	86	8	financial	financial	ADJ
fsr-3433	86	9	literacy	literacy	NOUN
fsr-3433	86	10	and	and	CCONJ
fsr-3433	86	11	credit	credit	NOUN
fsr-3433	86	12	card	card	NOUN
fsr-3433	86	13	debt	debt	NOUN
fsr-3433	86	14	.	.	PUNCT
fsr-3433	87	1	norvilitis	norvilitis	PROPN
fsr-3433	87	2	et	et	PROPN
fsr-3433	87	3	al	al	PROPN
fsr-3433	87	4	.	.	PROPN
fsr-3433	88	1	(	(	PUNCT
fsr-3433	88	2	2006	2006	NUM
fsr-3433	88	3	)	)	PUNCT
fsr-3433	88	4	study	study	NOUN
fsr-3433	88	5	college	college	NOUN
fsr-3433	88	6	students	student	NOUN
fsr-3433	88	7	from	from	ADP
fsr-3433	88	8	the	the	DET
fsr-3433	88	9	united	united	PROPN
fsr-3433	88	10	states	states	PROPN
fsr-3433	88	11	and	and	CCONJ
fsr-3433	88	12	find	find	VERB
fsr-3433	88	13	that	that	SCONJ
fsr-3433	88	14	lack	lack	NOUN
fsr-3433	88	15	of	of	ADP
fsr-3433	88	16	financial	financial	ADJ
fsr-3433	88	17	knowledge	knowledge	NOUN
fsr-3433	88	18	is	be	AUX
fsr-3433	88	19	related	relate	VERB
fsr-3433	88	20	to	to	ADP
fsr-3433	88	21	the	the	DET
fsr-3433	88	22	credit	credit	NOUN
fsr-3433	88	23	card	card	NOUN
fsr-3433	88	24	debt	debt	NOUN
fsr-3433	88	25	.	.	PUNCT
fsr-3433	89	1	brown	brown	PROPN
fsr-3433	89	2	et	et	PROPN
fsr-3433	89	3	al	al	PROPN
fsr-3433	89	4	.	.	PROPN
fsr-3433	90	1	(	(	PUNCT
fsr-3433	90	2	2016	2016	NUM
fsr-3433	90	3	)	)	PUNCT
fsr-3433	90	4	use	use	VERB
fsr-3433	90	5	american	american	ADJ
fsr-3433	90	6	data	datum	NOUN
fsr-3433	90	7	of	of	ADP
fsr-3433	90	8	young	young	ADJ
fsr-3433	90	9	consumers	consumer	NOUN
fsr-3433	90	10	and	and	CCONJ
fsr-3433	90	11	find	find	VERB
fsr-3433	90	12	that	that	SCONJ
fsr-3433	90	13	financial	financial	ADJ
fsr-3433	90	14	education	education	NOUN
fsr-3433	90	15	improves	improve	VERB
fsr-3433	90	16	repayment	repayment	NOUN
fsr-3433	90	17	behavior	behavior	NOUN
fsr-3433	90	18	and	and	CCONJ
fsr-3433	90	19	decreases	decrease	VERB
fsr-3433	90	20	debt	debt	NOUN
fsr-3433	90	21	dependence	dependence	NOUN
fsr-3433	90	22	.	.	PUNCT
fsr-3433	91	1	robb	robb	NOUN
fsr-3433	91	2	(	(	PUNCT
fsr-3433	91	3	2011	2011	NUM
fsr-3433	91	4	)	)	PUNCT
fsr-3433	91	5	studies	study	NOUN
fsr-3433	91	6	credit	credit	NOUN
fsr-3433	91	7	card	card	NOUN
fsr-3433	91	8	usage	usage	NOUN
fsr-3433	91	9	behavior	behavior	NOUN
fsr-3433	91	10	of	of	ADP
fsr-3433	91	11	american	american	ADJ
fsr-3433	91	12	students	student	NOUN
fsr-3433	91	13	and	and	CCONJ
fsr-3433	91	14	concludes	conclude	VERB
fsr-3433	91	15	that	that	SCONJ
fsr-3433	91	16	those	those	PRON
fsr-3433	91	17	with	with	ADP
fsr-3433	91	18	high	high	ADJ
fsr-3433	91	19	financial	financial	ADJ
fsr-3433	91	20	knowledge	knowledge	NOUN
fsr-3433	91	21	use	use	VERB
fsr-3433	91	22	their	their	PRON
fsr-3433	91	23	credit	credit	NOUN
fsr-3433	91	24	cards	card	NOUN
fsr-3433	91	25	more	more	ADV
fsr-3433	91	26	responsibly	responsibly	ADV
fsr-3433	91	27	.	.	PUNCT
fsr-3433	92	1	in	in	ADP
fsr-3433	92	2	summary	summary	NOUN
fsr-3433	92	3	,	,	PUNCT
fsr-3433	92	4	extant	extant	ADJ
fsr-3433	92	5	of	of	ADP
fsr-3433	92	6	the	the	DET
fsr-3433	92	7	literature	literature	NOUN
fsr-3433	92	8	suggests	suggest	VERB
fsr-3433	92	9	that	that	SCONJ
fsr-3433	92	10	individuals	individual	NOUN
fsr-3433	92	11	are	be	AUX
fsr-3433	92	12	more	more	ADV
fsr-3433	92	13	likely	likely	ADJ
fsr-3433	92	14	to	to	PART
fsr-3433	92	15	engage	engage	VERB
fsr-3433	92	16	in	in	ADP
fsr-3433	92	17	high	high	ADJ
fsr-3433	92	18	-	-	PUNCT
fsr-3433	92	19	cost	cost	NOUN
fsr-3433	92	20	credit	credit	NOUN
fsr-3433	92	21	and	and	CCONJ
fsr-3433	92	22	problematic	problematic	ADJ
fsr-3433	92	23	debt	debt	NOUN
fsr-3433	92	24	(	(	PUNCT
fsr-3433	92	25	especially	especially	ADV
fsr-3433	92	26	credit	credit	NOUN
fsr-3433	92	27	card	card	NOUN
fsr-3433	92	28	debt	debt	NOUN
fsr-3433	92	29	)	)	PUNCT
fsr-3433	92	30	when	when	SCONJ
fsr-3433	92	31	they	they	PRON
fsr-3433	92	32	are	be	AUX
fsr-3433	92	33	less	less	ADV
fsr-3433	92	34	exposed	expose	VERB
fsr-3433	92	35	to	to	ADP
fsr-3433	92	36	the	the	DET
fsr-3433	92	37	credit	credit	NOUN
fsr-3433	92	38	market	market	NOUN
fsr-3433	92	39	terms	term	NOUN
fsr-3433	92	40	(	(	PUNCT
fsr-3433	92	41	e.g.	e.g.	ADV
fsr-3433	92	42	,	,	PUNCT
fsr-3433	92	43	simple	simple	ADJ
fsr-3433	92	44	interest	interest	NOUN
fsr-3433	92	45	,	,	PUNCT
fsr-3433	92	46	compound	compound	NOUN
fsr-3433	92	47	interest	interest	NOUN
fsr-3433	92	48	etc	etc	X
fsr-3433	92	49	.	.	PUNCT
fsr-3433	92	50	)	)	PUNCT
fsr-3433	92	51	.	.	PUNCT
fsr-3433	93	1	worthington	worthington	PROPN
fsr-3433	93	2	(	(	PUNCT
fsr-3433	93	3	2013	2013	NUM
fsr-3433	93	4	)	)	PUNCT
fsr-3433	93	5	states	state	VERB
fsr-3433	93	6	that	that	SCONJ
fsr-3433	93	7	the	the	DET
fsr-3433	93	8	concept	concept	NOUN
fsr-3433	93	9	of	of	ADP
fsr-3433	93	10	financial	financial	ADJ
fsr-3433	93	11	literacy	literacy	NOUN
fsr-3433	93	12	has	have	AUX
fsr-3433	93	13	been	be	AUX
fsr-3433	93	14	unknown	unknown	ADJ
fsr-3433	93	15	to	to	ADP
fsr-3433	93	16	australians	australian	NOUN
fsr-3433	93	17	until	until	ADP
fsr-3433	93	18	the	the	DET
fsr-3433	93	19	end	end	NOUN
fsr-3433	93	20	of	of	ADP
fsr-3433	93	21	the	the	DET
fsr-3433	93	22	20th	20th	ADJ
fsr-3433	93	23	century	century	NOUN
fsr-3433	93	24	.	.	PUNCT
fsr-3433	94	1	however	however	ADV
fsr-3433	94	2	,	,	PUNCT
fsr-3433	94	3	with	with	ADP
fsr-3433	94	4	the	the	DET
fsr-3433	94	5	start	start	NOUN
fsr-3433	94	6	of	of	ADP
fsr-3433	94	7	the	the	DET
fsr-3433	94	8	21st	21st	ADJ
fsr-3433	94	9	century	century	NOUN
fsr-3433	94	10	,	,	PUNCT
fsr-3433	94	11	efforts	effort	NOUN
fsr-3433	94	12	were	be	AUX
fsr-3433	94	13	started	start	VERB
fsr-3433	94	14	to	to	PART
fsr-3433	94	15	make	make	VERB
fsr-3433	94	16	australians	australian	NOUN
fsr-3433	94	17	financially	financially	ADV
fsr-3433	94	18	literate	literate	ADJ
fsr-3433	94	19	.	.	PUNCT
fsr-3433	95	1	state	state	NOUN
fsr-3433	95	2	-	-	PUNCT
fsr-3433	95	3	level	level	NOUN
fsr-3433	95	4	interventions	intervention	NOUN
fsr-3433	95	5	were	be	AUX
fsr-3433	95	6	also	also	ADV
fsr-3433	95	7	introduced	introduce	VERB
fsr-3433	95	8	,	,	PUNCT
fsr-3433	95	9	and	and	CCONJ
fsr-3433	95	10	the	the	DET
fsr-3433	95	11	australian	australian	ADJ
fsr-3433	95	12	government	government	NOUN
fsr-3433	95	13	initiated	initiate	VERB
fsr-3433	95	14	the	the	DET
fsr-3433	95	15	national	national	ADJ
fsr-3433	95	16	financial	financial	ADJ
fsr-3433	95	17	literacy	literacy	NOUN
fsr-3433	95	18	strategy	strategy	NOUN
fsr-3433	95	19	(	(	PUNCT
fsr-3433	95	20	nfls	nfls	NOUN
fsr-3433	95	21	)	)	PUNCT
fsr-3433	95	22	in	in	ADP
fsr-3433	95	23	2011	2011	NUM
fsr-3433	95	24	.	.	PUNCT
fsr-3433	96	1	the	the	DET
fsr-3433	96	2	motive	motive	NOUN
fsr-3433	96	3	of	of	ADP
fsr-3433	96	4	the	the	DET
fsr-3433	96	5	government	government	NOUN
fsr-3433	96	6	initiatives	initiative	NOUN
fsr-3433	96	7	was	be	AUX
fsr-3433	96	8	to	to	PART
fsr-3433	96	9	equip	equip	VERB
fsr-3433	96	10	australians	australian	NOUN
fsr-3433	96	11	with	with	ADP
fsr-3433	96	12	financial	financial	ADJ
fsr-3433	96	13	literacy	literacy	NOUN
fsr-3433	96	14	skills	skill	NOUN
fsr-3433	96	15	enabling	enable	VERB
fsr-3433	96	16	them	they	PRON
fsr-3433	96	17	to	to	PART
fsr-3433	96	18	efficiently	efficiently	ADV
fsr-3433	96	19	manage	manage	VERB
fsr-3433	96	20	their	their	PRON
fsr-3433	96	21	finances	finance	NOUN
fsr-3433	96	22	and	and	CCONJ
fsr-3433	96	23	make	make	VERB
fsr-3433	96	24	informed	informed	ADJ
fsr-3433	96	25	financial	financial	ADJ
fsr-3433	96	26	decisions	decision	NOUN
fsr-3433	96	27	.	.	PUNCT
fsr-3433	97	1	however	however	ADV
fsr-3433	97	2	,	,	PUNCT
fsr-3433	97	3	the	the	DET
fsr-3433	97	4	use	use	NOUN
fsr-3433	97	5	of	of	ADP
fsr-3433	97	6	credit	credit	NOUN
fsr-3433	97	7	cards	card	NOUN
fsr-3433	97	8	and	and	CCONJ
fsr-3433	97	9	credit	credit	NOUN
fsr-3433	97	10	card	card	NOUN
fsr-3433	97	11	debt	debt	NOUN
fsr-3433	97	12	are	be	AUX
fsr-3433	97	13	still	still	ADV
fsr-3433	97	14	rising	rise	VERB
fsr-3433	97	15	in	in	ADP
fsr-3433	97	16	australia	australia	PROPN
fsr-3433	97	17	(	(	PUNCT
fsr-3433	97	18	asic	asic	NOUN
fsr-3433	97	19	,	,	PUNCT
fsr-3433	97	20	2018	2018	NUM
fsr-3433	97	21	)	)	PUNCT
fsr-3433	97	22	.	.	PUNCT
fsr-3433	98	1	while	while	SCONJ
fsr-3433	98	2	research	research	NOUN
fsr-3433	98	3	also	also	ADV
fsr-3433	98	4	reports	report	VERB
fsr-3433	98	5	a	a	DET
fsr-3433	98	6	low	low	ADJ
fsr-3433	98	7	level	level	NOUN
fsr-3433	98	8	of	of	ADP
fsr-3433	98	9	financial	financial	ADJ
fsr-3433	98	10	literacy	literacy	NOUN
fsr-3433	98	11	among	among	ADP
fsr-3433	98	12	australians	australians	PROPN
fsr-3433	98	13	(	(	PUNCT
fsr-3433	98	14	ali	ali	PROPN
fsr-3433	98	15	,	,	PUNCT
fsr-3433	98	16	anderson	anderson	PROPN
fsr-3433	98	17	,	,	PUNCT
fsr-3433	98	18	mcrae	mcrae	PROPN
fsr-3433	98	19	,	,	PUNCT
fsr-3433	98	20	&	&	CCONJ
fsr-3433	98	21	ramsay	ramsay	PROPN
fsr-3433	98	22	,	,	PUNCT
fsr-3433	98	23	2014	2014	NUM
fsr-3433	98	24	)	)	PUNCT
fsr-3433	98	25	,	,	PUNCT
fsr-3433	98	26	we	we	PRON
fsr-3433	98	27	explore	explore	VERB
fsr-3433	98	28	the	the	DET
fsr-3433	98	29	association	association	NOUN
fsr-3433	98	30	between	between	ADP
fsr-3433	98	31	financial	financial	ADJ
fsr-3433	98	32	literacy	literacy	NOUN
fsr-3433	98	33	and	and	CCONJ
fsr-3433	98	34	credit	credit	NOUN
fsr-3433	98	35	card	card	NOUN
fsr-3433	98	36	debt	debt	NOUN
fsr-3433	98	37	-	-	PUNCT
fsr-3433	98	38	taking	take	VERB
fsr-3433	98	39	behavior	behavior	NOUN
fsr-3433	98	40	in	in	ADP
fsr-3433	98	41	australia	australia	PROPN
fsr-3433	98	42	.	.	PUNCT
fsr-3433	99	1	we	we	PRON
fsr-3433	99	2	expect	expect	VERB
fsr-3433	99	3	that	that	SCONJ
fsr-3433	99	4	high	high	ADJ
fsr-3433	99	5	financial	financial	ADJ
fsr-3433	99	6	literacy	literacy	NOUN
fsr-3433	99	7	will	will	AUX
fsr-3433	99	8	be	be	AUX
fsr-3433	99	9	related	relate	VERB
fsr-3433	99	10	to	to	ADP
fsr-3433	99	11	less	less	ADJ
fsr-3433	99	12	credit	credit	NOUN
fsr-3433	99	13	card	card	NOUN
fsr-3433	99	14	debt	debt	NOUN
fsr-3433	99	15	-	-	PUNCT
fsr-3433	99	16	taking	take	VERB
fsr-3433	99	17	behavior	behavior	NOUN
fsr-3433	99	18	in	in	ADP
fsr-3433	99	19	australia	australia	PROPN
fsr-3433	99	20	.	.	PUNCT
fsr-3433	100	1	we	we	PRON
fsr-3433	100	2	test	test	VERB
fsr-3433	100	3	the	the	DET
fsr-3433	100	4	following	follow	VERB
fsr-3433	100	5	hypothesis	hypothesis	NOUN
fsr-3433	100	6	:	:	PUNCT
fsr-3433	100	7	hypothesis	hypothesis	NOUN
fsr-3433	100	8	1	1	NUM
fsr-3433	100	9	:	:	PUNCT
fsr-3433	100	10	financial	financial	ADJ
fsr-3433	100	11	literacy	literacy	NOUN
fsr-3433	100	12	negatively	negatively	ADV
fsr-3433	100	13	relates	relate	VERB
fsr-3433	100	14	to	to	ADP
fsr-3433	100	15	credit	credit	NOUN
fsr-3433	100	16	card	card	NOUN
fsr-3433	100	17	debt	debt	NOUN
fsr-3433	100	18	-	-	PUNCT
fsr-3433	100	19	taking	take	VERB
fsr-3433	100	20	behavior	behavior	NOUN
fsr-3433	100	21	.	.	PUNCT
fsr-3433	101	1	2.2	2.2	NUM
fsr-3433	101	2	.	.	PUNCT
fsr-3433	101	3	financial	financial	ADJ
fsr-3433	101	4	literacy	literacy	NOUN
fsr-3433	101	5	,	,	PUNCT
fsr-3433	101	6	attitude	attitude	NOUN
fsr-3433	101	7	towards	towards	ADP
fsr-3433	101	8	balancing	balance	VERB
fsr-3433	101	9	spending	spending	NOUN
fsr-3433	101	10	and	and	CCONJ
fsr-3433	101	11	savings	saving	NOUN
fsr-3433	101	12	,	,	PUNCT
fsr-3433	101	13	financial	financial	ADJ
fsr-3433	101	14	satisfaction	satisfaction	NOUN
fsr-3433	101	15	,	,	PUNCT
fsr-3433	101	16	and	and	CCONJ
fsr-3433	101	17	financial	financial	ADJ
fsr-3433	101	18	decisions	decision	NOUN
fsr-3433	101	19	prior	prior	ADV
fsr-3433	101	20	research	research	NOUN
fsr-3433	101	21	describes	describe	VERB
fsr-3433	101	22	some	some	DET
fsr-3433	101	23	factors	factor	NOUN
fsr-3433	101	24	other	other	ADJ
fsr-3433	101	25	than	than	ADP
fsr-3433	101	26	financial	financial	ADJ
fsr-3433	101	27	literacy	literacy	NOUN
fsr-3433	101	28	that	that	PRON
fsr-3433	101	29	could	could	AUX
fsr-3433	101	30	be	be	AUX
fsr-3433	101	31	more	more	ADV
fsr-3433	101	32	relevant	relevant	ADJ
fsr-3433	101	33	to	to	ADP
fsr-3433	101	34	financial	financial	ADJ
fsr-3433	101	35	decisions	decision	NOUN
fsr-3433	101	36	.	.	PUNCT
fsr-3433	102	1	garcı́a	garcı́a	PROPN
fsr-3433	102	2	(	(	PUNCT
fsr-3433	102	3	2013	2013	NUM
fsr-3433	102	4	)	)	PUNCT
fsr-3433	102	5	critically	critically	ADV
fsr-3433	102	6	reviews	review	VERB
fsr-3433	102	7	prior	prior	ADJ
fsr-3433	102	8	studies	study	NOUN
fsr-3433	102	9	and	and	CCONJ
fsr-3433	102	10	concludes	conclude	VERB
fsr-3433	102	11	that	that	SCONJ
fsr-3433	102	12	financial	financial	ADJ
fsr-3433	102	13	literacy	literacy	NOUN
fsr-3433	102	14	is	be	AUX
fsr-3433	102	15	an	an	DET
fsr-3433	102	16	important	important	ADJ
fsr-3433	102	17	phenomenon	phenomenon	NOUN
fsr-3433	102	18	to	to	PART
fsr-3433	102	19	learn	learn	VERB
fsr-3433	102	20	,	,	PUNCT
fsr-3433	102	21	but	but	CCONJ
fsr-3433	102	22	the	the	DET
fsr-3433	102	23	prior	prior	ADJ
fsr-3433	102	24	beliefs	belief	NOUN
fsr-3433	102	25	,	,	PUNCT
fsr-3433	102	26	mental	mental	ADJ
fsr-3433	102	27	abilities	ability	NOUN
fsr-3433	102	28	,	,	PUNCT
fsr-3433	102	29	and	and	CCONJ
fsr-3433	102	30	cognitive	cognitive	ADJ
fsr-3433	102	31	factors	factor	NOUN
fsr-3433	102	32	dominate	dominate	VERB
fsr-3433	102	33	financial	financial	ADJ
fsr-3433	102	34	decision	decision	NOUN
fsr-3433	102	35	-	-	PUNCT
fsr-3433	102	36	making	making	NOUN
fsr-3433	102	37	.	.	PUNCT
fsr-3433	103	1	fernandes	fernandes	PROPN
fsr-3433	103	2	,	,	PUNCT
fsr-3433	103	3	lynch	lynch	PROPN
fsr-3433	103	4	,	,	PUNCT
fsr-3433	103	5	and	and	CCONJ
fsr-3433	103	6	netemeyer	netemeyer	NOUN
fsr-3433	103	7	(	(	PUNCT
fsr-3433	103	8	2014	2014	NUM
fsr-3433	103	9	)	)	PUNCT
fsr-3433	103	10	conduct	conduct	VERB
fsr-3433	103	11	a	a	DET
fsr-3433	103	12	meta	meta	ADJ
fsr-3433	103	13	-	-	PUNCT
fsr-3433	103	14	analysis	analysis	NOUN
fsr-3433	103	15	of	of	ADP
fsr-3433	103	16	168	168	NUM
fsr-3433	103	17	papers	paper	NOUN
fsr-3433	103	18	covering	cover	VERB
fsr-3433	103	19	201	201	NUM
fsr-3433	103	20	prior	prior	ADJ
fsr-3433	103	21	studies	study	NOUN
fsr-3433	103	22	.	.	PUNCT
fsr-3433	104	1	they	they	PRON
fsr-3433	104	2	find	find	VERB
fsr-3433	104	3	that	that	SCONJ
fsr-3433	104	4	financial	financial	ADJ
fsr-3433	104	5	literacy	literacy	NOUN
fsr-3433	104	6	and	and	CCONJ
fsr-3433	104	7	financial	financial	ADJ
fsr-3433	104	8	behavior	behavior	NOUN
fsr-3433	104	9	are	be	AUX
fsr-3433	104	10	strongly	strongly	ADV
fsr-3433	104	11	positively	positively	ADV
fsr-3433	104	12	associated	associate	VERB
fsr-3433	104	13	with	with	ADP
fsr-3433	104	14	each	each	DET
fsr-3433	104	15	other	other	ADJ
fsr-3433	104	16	.	.	PUNCT
fsr-3433	105	1	however	however	ADV
fsr-3433	105	2	,	,	PUNCT
fsr-3433	105	3	when	when	SCONJ
fsr-3433	105	4	the	the	DET
fsr-3433	105	5	behavioral	behavioral	ADJ
fsr-3433	105	6	factors	factor	NOUN
fsr-3433	105	7	are	be	AUX
fsr-3433	105	8	incorporated	incorporate	VERB
fsr-3433	105	9	in	in	ADP
fsr-3433	105	10	an	an	DET
fsr-3433	105	11	empirical	empirical	ADJ
fsr-3433	105	12	analysis	analysis	NOUN
fsr-3433	105	13	,	,	PUNCT
fsr-3433	105	14	the	the	DET
fsr-3433	105	15	effect	effect	NOUN
fsr-3433	105	16	size	size	NOUN
fsr-3433	105	17	of	of	ADP
fsr-3433	105	18	financial	financial	ADJ
fsr-3433	105	19	literacy	literacy	NOUN
fsr-3433	105	20	on	on	ADP
fsr-3433	105	21	financial	financial	ADJ
fsr-3433	105	22	behavior	behavior	NOUN
fsr-3433	105	23	diminishes	diminish	VERB
fsr-3433	105	24	dramatically	dramatically	ADV
fsr-3433	105	25	.	.	PUNCT
fsr-3433	106	1	they	they	PRON
fsr-3433	106	2	include	include	VERB
fsr-3433	106	3	five	five	NUM
fsr-3433	106	4	types	type	NOUN
fsr-3433	106	5	of	of	ADP
fsr-3433	106	6	financial	financial	ADJ
fsr-3433	106	7	behaviors	behavior	NOUN
fsr-3433	106	8	in	in	ADP
fsr-3433	106	9	their	their	PRON
fsr-3433	106	10	study	study	NOUN
fsr-3433	106	11	(	(	PUNCT
fsr-3433	106	12	1	1	X
fsr-3433	106	13	)	)	PUNCT
fsr-3433	106	14	saving	save	VERB
fsr-3433	106	15	for	for	ADP
fsr-3433	106	16	an	an	DET
fsr-3433	106	17	emergency	emergency	NOUN
fsr-3433	106	18	fund	fund	NOUN
fsr-3433	106	19	,	,	PUNCT
fsr-3433	106	20	(	(	PUNCT
fsr-3433	106	21	2	2	X
fsr-3433	106	22	)	)	PUNCT
fsr-3433	106	23	understanding	understanding	NOUN
fsr-3433	106	24	how	how	SCONJ
fsr-3433	106	25	much	much	ADJ
fsr-3433	106	26	is	be	AUX
fsr-3433	106	27	needed	need	VERB
fsr-3433	106	28	for	for	ADP
fsr-3433	106	29	retirement	retirement	NOUN
fsr-3433	106	30	,	,	PUNCT
fsr-3433	106	31	(	(	PUNCT
fsr-3433	106	32	3	3	X
fsr-3433	106	33	)	)	PUNCT
fsr-3433	106	34	having	have	VERB
fsr-3433	106	35	a	a	DET
fsr-3433	106	36	good	good	ADJ
fsr-3433	106	37	credit	credit	NOUN
fsr-3433	106	38	score	score	NOUN
fsr-3433	106	39	,	,	PUNCT
fsr-3433	106	40	(	(	PUNCT
fsr-3433	106	41	4	4	X
fsr-3433	106	42	)	)	PUNCT
fsr-3433	106	43	m.	m.	NOUN
fsr-3433	106	44	s.	s.	PROPN
fsr-3433	106	45	tahir	tahir	PROPN
fsr-3433	106	46	et	et	PROPN
fsr-3433	106	47	al	al	PROPN
fsr-3433	106	48	.	.	PUNCT
fsr-3433	106	49	/	/	SYM
fsr-3433	106	50	financial	financial	ADJ
fsr-3433	106	51	services	service	NOUN
fsr-3433	106	52	review	review	VERB
fsr-3433	106	53	28	28	NUM
fsr-3433	106	54	(	(	PUNCT
fsr-3433	106	55	2020	2020	NUM
fsr-3433	106	56	)	)	PUNCT
fsr-3433	107	1	273–301	273–301	NUM
fsr-3433	107	2	277	277	NUM
fsr-3433	107	3	assessing	assess	VERB
fsr-3433	107	4	credit	credit	NOUN
fsr-3433	107	5	and	and	CCONJ
fsr-3433	107	6	checking	checking	NOUN
fsr-3433	107	7	fees	fee	NOUN
fsr-3433	107	8	,	,	PUNCT
fsr-3433	107	9	and	and	CCONJ
fsr-3433	107	10	(	(	PUNCT
fsr-3433	107	11	5	5	X
fsr-3433	107	12	)	)	PUNCT
fsr-3433	107	13	adopting	adopt	VERB
fsr-3433	107	14	a	a	DET
fsr-3433	107	15	positive	positive	ADJ
fsr-3433	107	16	savings	saving	NOUN
fsr-3433	107	17	or	or	CCONJ
fsr-3433	107	18	investment	investment	NOUN
fsr-3433	107	19	behaviors	behavior	NOUN
fsr-3433	107	20	.	.	PUNCT
fsr-3433	108	1	fünfgeld	fünfgeld	PROPN
fsr-3433	108	2	and	and	CCONJ
fsr-3433	108	3	wang	wang	PROPN
fsr-3433	108	4	(	(	PUNCT
fsr-3433	108	5	2009	2009	NUM
fsr-3433	108	6	)	)	PUNCT
fsr-3433	108	7	survey	survey	VERB
fsr-3433	108	8	1,282	1,282	NUM
fsr-3433	108	9	individuals	individual	NOUN
fsr-3433	108	10	from	from	ADP
fsr-3433	108	11	switzerland	switzerland	PROPN
fsr-3433	108	12	.	.	PUNCT
fsr-3433	109	1	the	the	DET
fsr-3433	109	2	first	first	ADJ
fsr-3433	109	3	part	part	NOUN
fsr-3433	109	4	of	of	ADP
fsr-3433	109	5	their	their	PRON
fsr-3433	109	6	analysis	analysis	NOUN
fsr-3433	109	7	identifies	identify	VERB
fsr-3433	109	8	savings	saving	NOUN
fsr-3433	109	9	attitude	attitude	NOUN
fsr-3433	109	10	and	and	CCONJ
fsr-3433	109	11	spending	spending	NOUN
fsr-3433	109	12	attitude	attitude	NOUN
fsr-3433	109	13	as	as	ADP
fsr-3433	109	14	financial	financial	ADJ
fsr-3433	109	15	behavioral	behavioral	ADJ
fsr-3433	109	16	factors	factor	NOUN
fsr-3433	109	17	.	.	PUNCT
fsr-3433	110	1	the	the	DET
fsr-3433	110	2	second	second	ADJ
fsr-3433	110	3	part	part	NOUN
fsr-3433	110	4	of	of	ADP
fsr-3433	110	5	their	their	PRON
fsr-3433	110	6	analysis	analysis	NOUN
fsr-3433	110	7	finds	find	VERB
fsr-3433	110	8	that	that	SCONJ
fsr-3433	110	9	the	the	DET
fsr-3433	110	10	savers	saver	NOUN
fsr-3433	110	11	make	make	VERB
fsr-3433	110	12	financial	financial	ADJ
fsr-3433	110	13	decisions	decision	NOUN
fsr-3433	110	14	analytically	analytically	ADV
fsr-3433	110	15	by	by	ADP
fsr-3433	110	16	comparing	compare	VERB
fsr-3433	110	17	and	and	CCONJ
fsr-3433	110	18	calculating	calculate	VERB
fsr-3433	110	19	the	the	DET
fsr-3433	110	20	risk	risk	NOUN
fsr-3433	110	21	before	before	ADP
fsr-3433	110	22	making	make	VERB
fsr-3433	110	23	any	any	DET
fsr-3433	110	24	financial	financial	ADJ
fsr-3433	110	25	decision	decision	NOUN
fsr-3433	110	26	.	.	PUNCT
fsr-3433	111	1	they	they	PRON
fsr-3433	111	2	define	define	VERB
fsr-3433	111	3	savings	saving	NOUN
fsr-3433	111	4	attitude	attitude	NOUN
fsr-3433	111	5	as	as	ADP
fsr-3433	111	6	an	an	DET
fsr-3433	111	7	attitude	attitude	NOUN
fsr-3433	111	8	towards	towards	ADP
fsr-3433	111	9	savings	saving	NOUN
fsr-3433	111	10	for	for	ADP
fsr-3433	111	11	future	future	ADJ
fsr-3433	111	12	emergency	emergency	NOUN
fsr-3433	111	13	needs	need	NOUN
fsr-3433	111	14	.	.	PUNCT
fsr-3433	112	1	shih	shih	NOUN
fsr-3433	112	2	and	and	CCONJ
fsr-3433	112	3	ke	ke	PROPN
fsr-3433	112	4	(	(	PUNCT
fsr-3433	112	5	2014	2014	NUM
fsr-3433	112	6	)	)	PUNCT
fsr-3433	112	7	use	use	VERB
fsr-3433	112	8	data	datum	NOUN
fsr-3433	112	9	from	from	ADP
fsr-3433	112	10	taiwan	taiwan	PROPN
fsr-3433	112	11	and	and	CCONJ
fsr-3433	112	12	explore	explore	VERB
fsr-3433	112	13	the	the	DET
fsr-3433	112	14	relationship	relationship	NOUN
fsr-3433	112	15	between	between	ADP
fsr-3433	112	16	attitude	attitude	NOUN
fsr-3433	112	17	towards	towards	ADP
fsr-3433	112	18	money	money	NOUN
fsr-3433	112	19	and	and	CCONJ
fsr-3433	112	20	financial	financial	ADJ
fsr-3433	112	21	decision	decision	NOUN
fsr-3433	112	22	-	-	PUNCT
fsr-3433	112	23	making	making	NOUN
fsr-3433	112	24	.	.	PUNCT
fsr-3433	113	1	their	their	PRON
fsr-3433	113	2	empirical	empirical	ADJ
fsr-3433	113	3	findings	finding	NOUN
fsr-3433	113	4	show	show	VERB
fsr-3433	113	5	that	that	SCONJ
fsr-3433	113	6	those	those	PRON
fsr-3433	113	7	who	who	PRON
fsr-3433	113	8	have	have	VERB
fsr-3433	113	9	an	an	DET
fsr-3433	113	10	attitude	attitude	NOUN
fsr-3433	113	11	of	of	ADP
fsr-3433	113	12	savings	saving	NOUN
fsr-3433	113	13	and	and	CCONJ
fsr-3433	113	14	financial	financial	ADJ
fsr-3433	113	15	planning	planning	NOUN
fsr-3433	113	16	make	make	VERB
fsr-3433	113	17	risky	risky	ADJ
fsr-3433	113	18	financial	financial	ADJ
fsr-3433	113	19	decisions	decision	NOUN
fsr-3433	113	20	.	.	PUNCT
fsr-3433	114	1	like	like	ADP
fsr-3433	114	2	other	other	ADJ
fsr-3433	114	3	studies	study	NOUN
fsr-3433	114	4	,	,	PUNCT
fsr-3433	114	5	they	they	PRON
fsr-3433	114	6	also	also	ADV
fsr-3433	114	7	focus	focus	VERB
fsr-3433	114	8	on	on	ADP
fsr-3433	114	9	one	one	NUM
fsr-3433	114	10	’s	’s	ADJ
fsr-3433	114	11	attitude	attitude	NOUN
fsr-3433	114	12	towards	towards	ADP
fsr-3433	114	13	savings	saving	NOUN
fsr-3433	114	14	and	and	CCONJ
fsr-3433	114	15	planning	planning	NOUN
fsr-3433	114	16	to	to	PART
fsr-3433	114	17	meet	meet	VERB
fsr-3433	114	18	future	future	ADJ
fsr-3433	114	19	financial	financial	ADJ
fsr-3433	114	20	needs	need	NOUN
fsr-3433	114	21	.	.	PUNCT
fsr-3433	115	1	soman	soman	NOUN
fsr-3433	115	2	and	and	CCONJ
fsr-3433	115	3	cheema	cheema	PROPN
fsr-3433	115	4	(	(	PUNCT
fsr-3433	115	5	2002	2002	NUM
fsr-3433	115	6	)	)	PUNCT
fsr-3433	115	7	state	state	NOUN
fsr-3433	115	8	that	that	SCONJ
fsr-3433	115	9	people	people	NOUN
fsr-3433	115	10	either	either	CCONJ
fsr-3433	115	11	utilize	utilize	VERB
fsr-3433	115	12	their	their	PRON
fsr-3433	115	13	current	current	ADJ
fsr-3433	115	14	income	income	NOUN
fsr-3433	115	15	in	in	ADP
fsr-3433	115	16	the	the	DET
fsr-3433	115	17	future	future	NOUN
fsr-3433	115	18	in	in	ADP
fsr-3433	115	19	the	the	DET
fsr-3433	115	20	form	form	NOUN
fsr-3433	115	21	of	of	ADP
fsr-3433	115	22	savings	saving	NOUN
fsr-3433	115	23	or	or	CCONJ
fsr-3433	115	24	utilize	utilize	VERB
fsr-3433	115	25	future	future	ADJ
fsr-3433	115	26	income	income	NOUN
fsr-3433	115	27	in	in	ADP
fsr-3433	115	28	the	the	DET
fsr-3433	115	29	present	present	NOUN
fsr-3433	115	30	.	.	PUNCT
fsr-3433	116	1	one	one	NUM
fsr-3433	116	2	way	way	NOUN
fsr-3433	116	3	to	to	PART
fsr-3433	116	4	utilize	utilize	VERB
fsr-3433	116	5	future	future	ADJ
fsr-3433	116	6	income	income	NOUN
fsr-3433	116	7	in	in	ADP
fsr-3433	116	8	the	the	DET
fsr-3433	116	9	present	present	NOUN
fsr-3433	116	10	is	be	AUX
fsr-3433	116	11	the	the	DET
fsr-3433	116	12	use	use	NOUN
fsr-3433	116	13	of	of	ADP
fsr-3433	116	14	credit	credit	NOUN
fsr-3433	116	15	cards	card	NOUN
fsr-3433	116	16	as	as	SCONJ
fsr-3433	116	17	credit	credit	NOUN
fsr-3433	116	18	cards	card	NOUN
fsr-3433	116	19	allow	allow	VERB
fsr-3433	116	20	people	people	NOUN
fsr-3433	116	21	to	to	PART
fsr-3433	116	22	“	"	PUNCT
fsr-3433	116	23	buy	buy	VERB
fsr-3433	116	24	now	now	ADV
fsr-3433	116	25	,	,	PUNCT
fsr-3433	116	26	pay	pay	VERB
fsr-3433	116	27	later	later	ADV
fsr-3433	116	28	.	.	PUNCT
fsr-3433	116	29	”	"	PUNCT
fsr-3433	117	1	if	if	SCONJ
fsr-3433	117	2	a	a	DET
fsr-3433	117	3	person	person	NOUN
fsr-3433	117	4	uses	use	VERB
fsr-3433	117	5	a	a	DET
fsr-3433	117	6	credit	credit	NOUN
fsr-3433	117	7	card	card	NOUN
fsr-3433	117	8	and	and	CCONJ
fsr-3433	117	9	faces	face	VERB
fsr-3433	117	10	income	income	NOUN
fsr-3433	117	11	shock	shock	NOUN
fsr-3433	117	12	,	,	PUNCT
fsr-3433	117	13	she	she	PRON
fsr-3433	117	14	or	or	CCONJ
fsr-3433	117	15	he	he	PRON
fsr-3433	117	16	will	will	AUX
fsr-3433	117	17	be	be	AUX
fsr-3433	117	18	unable	unable	ADJ
fsr-3433	117	19	to	to	PART
fsr-3433	117	20	make	make	VERB
fsr-3433	117	21	timely	timely	ADJ
fsr-3433	117	22	repayment	repayment	NOUN
fsr-3433	117	23	.	.	PUNCT
fsr-3433	118	1	households	household	NOUN
fsr-3433	118	2	may	may	AUX
fsr-3433	118	3	utilize	utilize	VERB
fsr-3433	118	4	their	their	PRON
fsr-3433	118	5	savings	saving	NOUN
fsr-3433	118	6	to	to	PART
fsr-3433	118	7	smooth	smooth	VERB
fsr-3433	118	8	their	their	PRON
fsr-3433	118	9	current	current	ADJ
fsr-3433	118	10	consumption	consumption	NOUN
fsr-3433	118	11	pattern	pattern	NOUN
fsr-3433	118	12	when	when	SCONJ
fsr-3433	118	13	experiencing	experience	VERB
fsr-3433	118	14	income	income	NOUN
fsr-3433	118	15	volatility	volatility	NOUN
fsr-3433	118	16	(	(	PUNCT
fsr-3433	118	17	reyers	reyer	NOUN
fsr-3433	118	18	,	,	PUNCT
fsr-3433	118	19	2019	2019	NUM
fsr-3433	118	20	)	)	PUNCT
fsr-3433	118	21	.	.	PUNCT
fsr-3433	119	1	however	however	ADV
fsr-3433	119	2	,	,	PUNCT
fsr-3433	119	3	soman	soman	NOUN
fsr-3433	119	4	and	and	CCONJ
fsr-3433	119	5	cheema	cheema	PROPN
fsr-3433	119	6	(	(	PUNCT
fsr-3433	119	7	2002	2002	NUM
fsr-3433	119	8	)	)	PUNCT
fsr-3433	119	9	argue	argue	VERB
fsr-3433	119	10	that	that	SCONJ
fsr-3433	119	11	easy	easy	ADJ
fsr-3433	119	12	access	access	NOUN
fsr-3433	119	13	to	to	ADP
fsr-3433	119	14	credit	credit	NOUN
fsr-3433	119	15	facilities	facility	NOUN
fsr-3433	119	16	allows	allow	VERB
fsr-3433	119	17	people	people	NOUN
fsr-3433	119	18	to	to	PART
fsr-3433	119	19	think	think	VERB
fsr-3433	119	20	that	that	SCONJ
fsr-3433	119	21	they	they	PRON
fsr-3433	119	22	would	would	AUX
fsr-3433	119	23	have	have	VERB
fsr-3433	119	24	comparable	comparable	ADJ
fsr-3433	119	25	earnings	earning	NOUN
fsr-3433	119	26	in	in	ADP
fsr-3433	119	27	the	the	DET
fsr-3433	119	28	future	future	NOUN
fsr-3433	119	29	and	and	CCONJ
fsr-3433	119	30	would	would	AUX
fsr-3433	119	31	make	make	VERB
fsr-3433	119	32	timely	timely	ADJ
fsr-3433	119	33	repayment	repayment	NOUN
fsr-3433	119	34	.	.	PUNCT
fsr-3433	120	1	here	here	ADV
fsr-3433	120	2	,	,	PUNCT
fsr-3433	120	3	a	a	DET
fsr-3433	120	4	need	need	NOUN
fsr-3433	120	5	to	to	PART
fsr-3433	120	6	adjust	adjust	VERB
fsr-3433	120	7	current	current	ADJ
fsr-3433	120	8	spending	spending	NOUN
fsr-3433	120	9	and	and	CCONJ
fsr-3433	120	10	saving	save	VERB
fsr-3433	120	11	patterns	pattern	NOUN
fsr-3433	120	12	arise	arise	VERB
fsr-3433	120	13	to	to	PART
fsr-3433	120	14	avoid	avoid	VERB
fsr-3433	120	15	being	be	AUX
fsr-3433	120	16	in	in	ADP
fsr-3433	120	17	future	future	ADJ
fsr-3433	120	18	debt	debt	NOUN
fsr-3433	120	19	.	.	PUNCT
fsr-3433	121	1	those	those	PRON
fsr-3433	121	2	who	who	PRON
fsr-3433	121	3	spend	spend	VERB
fsr-3433	121	4	more	more	ADJ
fsr-3433	121	5	and	and	CCONJ
fsr-3433	121	6	do	do	AUX
fsr-3433	121	7	not	not	PART
fsr-3433	121	8	keep	keep	VERB
fsr-3433	121	9	a	a	DET
fsr-3433	121	10	balance	balance	NOUN
fsr-3433	121	11	between	between	ADP
fsr-3433	121	12	spending	spending	NOUN
fsr-3433	121	13	and	and	CCONJ
fsr-3433	121	14	saving	saving	NOUN
fsr-3433	121	15	end	end	VERB
fsr-3433	121	16	up	up	ADP
fsr-3433	121	17	,	,	PUNCT
fsr-3433	121	18	usually	usually	ADV
fsr-3433	121	19	,	,	PUNCT
fsr-3433	121	20	struggling	struggle	VERB
fsr-3433	121	21	with	with	ADP
fsr-3433	121	22	timely	timely	ADJ
fsr-3433	121	23	repayments	repayment	NOUN
fsr-3433	121	24	.	.	PUNCT
fsr-3433	122	1	hence	hence	ADV
fsr-3433	122	2	,	,	PUNCT
fsr-3433	122	3	this	this	DET
fsr-3433	122	4	argument	argument	NOUN
fsr-3433	122	5	suggests	suggest	VERB
fsr-3433	122	6	an	an	DET
fsr-3433	122	7	association	association	NOUN
fsr-3433	122	8	between	between	ADP
fsr-3433	122	9	spending	spending	NOUN
fsr-3433	122	10	and	and	CCONJ
fsr-3433	122	11	savings	saving	NOUN
fsr-3433	122	12	attitude	attitude	NOUN
fsr-3433	122	13	and	and	CCONJ
fsr-3433	122	14	credit	credit	NOUN
fsr-3433	122	15	card	card	NOUN
fsr-3433	122	16	debt	debt	NOUN
fsr-3433	122	17	-	-	PUNCT
fsr-3433	122	18	taking	take	VERB
fsr-3433	122	19	behavior	behavior	NOUN
fsr-3433	122	20	.	.	PUNCT
fsr-3433	123	1	most	most	ADJ
fsr-3433	123	2	studies	study	NOUN
fsr-3433	123	3	in	in	ADP
fsr-3433	123	4	the	the	DET
fsr-3433	123	5	literature	literature	NOUN
fsr-3433	123	6	measure	measure	NOUN
fsr-3433	123	7	savings	saving	NOUN
fsr-3433	123	8	attitude	attitude	NOUN
fsr-3433	123	9	as	as	ADP
fsr-3433	123	10	an	an	DET
fsr-3433	123	11	attitude	attitude	NOUN
fsr-3433	123	12	towards	towards	ADP
fsr-3433	123	13	savings	saving	NOUN
fsr-3433	123	14	for	for	ADP
fsr-3433	123	15	unseen	unseen	ADJ
fsr-3433	123	16	future	future	ADJ
fsr-3433	123	17	circumstances	circumstance	NOUN
fsr-3433	123	18	.	.	PUNCT
fsr-3433	124	1	unlike	unlike	ADP
fsr-3433	124	2	prior	prior	ADJ
fsr-3433	124	3	research	research	NOUN
fsr-3433	124	4	,	,	PUNCT
fsr-3433	124	5	our	our	PRON
fsr-3433	124	6	focus	focus	NOUN
fsr-3433	124	7	is	be	AUX
fsr-3433	124	8	on	on	ADP
fsr-3433	124	9	one	one	NUM
fsr-3433	124	10	’s	’s	PART
fsr-3433	124	11	attitude	attitude	NOUN
fsr-3433	124	12	towards	towards	ADP
fsr-3433	124	13	balancing	balance	VERB
fsr-3433	124	14	spending	spending	NOUN
fsr-3433	124	15	and	and	CCONJ
fsr-3433	124	16	savings	saving	NOUN
fsr-3433	124	17	.	.	PUNCT
fsr-3433	125	1	essentially	essentially	ADV
fsr-3433	125	2	,	,	PUNCT
fsr-3433	125	3	we	we	PRON
fsr-3433	125	4	test	test	VERB
fsr-3433	125	5	the	the	DET
fsr-3433	125	6	following	follow	VERB
fsr-3433	125	7	hypothesis	hypothesis	NOUN
fsr-3433	125	8	:	:	PUNCT
fsr-3433	125	9	hypothesis	hypothesis	NOUN
fsr-3433	125	10	2	2	NUM
fsr-3433	125	11	:	:	PUNCT
fsr-3433	125	12	a	a	DET
fsr-3433	125	13	person	person	NOUN
fsr-3433	125	14	’s	’s	PART
fsr-3433	125	15	attitude	attitude	NOUN
fsr-3433	125	16	towards	towards	ADP
fsr-3433	125	17	balancing	balance	VERB
fsr-3433	125	18	their	their	PRON
fsr-3433	125	19	spending	spending	NOUN
fsr-3433	125	20	and	and	CCONJ
fsr-3433	125	21	savings	saving	NOUN
fsr-3433	125	22	negatively	negatively	ADV
fsr-3433	125	23	relates	relate	VERB
fsr-3433	125	24	to	to	ADP
fsr-3433	125	25	their	their	PRON
fsr-3433	125	26	credit	credit	NOUN
fsr-3433	125	27	card	card	NOUN
fsr-3433	125	28	debt	debt	NOUN
fsr-3433	125	29	-	-	PUNCT
fsr-3433	125	30	taking	take	VERB
fsr-3433	125	31	behavior	behavior	NOUN
fsr-3433	125	32	.	.	PUNCT
fsr-3433	126	1	another	another	DET
fsr-3433	126	2	important	important	ADJ
fsr-3433	126	3	factor	factor	NOUN
fsr-3433	126	4	with	with	ADP
fsr-3433	126	5	a	a	DET
fsr-3433	126	6	relationship	relationship	NOUN
fsr-3433	126	7	to	to	ADP
fsr-3433	126	8	financial	financial	ADJ
fsr-3433	126	9	decisions	decision	NOUN
fsr-3433	126	10	is	be	AUX
fsr-3433	126	11	financial	financial	ADJ
fsr-3433	126	12	satisfaction	satisfaction	NOUN
fsr-3433	126	13	.	.	PUNCT
fsr-3433	127	1	xiao	xiao	PROPN
fsr-3433	127	2	,	,	PUNCT
fsr-3433	127	3	sorhaindo	sorhaindo	NOUN
fsr-3433	127	4	,	,	PUNCT
fsr-3433	127	5	and	and	CCONJ
fsr-3433	127	6	garman	garman	NOUN
fsr-3433	127	7	(	(	PUNCT
fsr-3433	127	8	2006	2006	NUM
fsr-3433	127	9	)	)	PUNCT
fsr-3433	127	10	use	use	VERB
fsr-3433	127	11	data	datum	NOUN
fsr-3433	127	12	from	from	ADP
fsr-3433	127	13	the	the	DET
fsr-3433	127	14	united	united	PROPN
fsr-3433	127	15	states	states	PROPN
fsr-3433	127	16	to	to	PART
fsr-3433	127	17	research	research	VERB
fsr-3433	127	18	consumer	consumer	NOUN
fsr-3433	127	19	financial	financial	ADJ
fsr-3433	127	20	behavior	behavior	NOUN
fsr-3433	127	21	.	.	PUNCT
fsr-3433	128	1	their	their	PRON
fsr-3433	128	2	findings	finding	NOUN
fsr-3433	128	3	suggest	suggest	VERB
fsr-3433	128	4	that	that	SCONJ
fsr-3433	128	5	a	a	DET
fsr-3433	128	6	lower	low	ADJ
fsr-3433	128	7	credit	credit	NOUN
fsr-3433	128	8	card	card	NOUN
fsr-3433	128	9	debt	debt	NOUN
fsr-3433	128	10	is	be	AUX
fsr-3433	128	11	associated	associate	VERB
fsr-3433	128	12	with	with	ADP
fsr-3433	128	13	increased	increase	VERB
fsr-3433	128	14	financial	financial	ADJ
fsr-3433	128	15	satisfaction	satisfaction	NOUN
fsr-3433	128	16	.	.	PUNCT
fsr-3433	129	1	contrary	contrary	ADJ
fsr-3433	129	2	to	to	ADP
fsr-3433	129	3	xiao	xiao	PROPN
fsr-3433	129	4	et	et	PROPN
fsr-3433	129	5	al	al	PROPN
fsr-3433	129	6	.	.	PROPN
fsr-3433	130	1	(	(	PUNCT
fsr-3433	130	2	2006	2006	NUM
fsr-3433	130	3	)	)	PUNCT
fsr-3433	130	4	,	,	PUNCT
fsr-3433	130	5	zhang	zhang	PROPN
fsr-3433	130	6	and	and	CCONJ
fsr-3433	130	7	kemp	kemp	PROPN
fsr-3433	130	8	(	(	PUNCT
fsr-3433	130	9	2009	2009	NUM
fsr-3433	130	10	)	)	PUNCT
fsr-3433	130	11	use	use	VERB
fsr-3433	130	12	data	datum	NOUN
fsr-3433	130	13	from	from	ADP
fsr-3433	130	14	the	the	DET
fsr-3433	130	15	university	university	PROPN
fsr-3433	130	16	of	of	ADP
fsr-3433	130	17	canterbury	canterbury	PROPN
fsr-3433	130	18	,	,	PUNCT
fsr-3433	130	19	new	new	PROPN
fsr-3433	130	20	zealand	zealand	PROPN
fsr-3433	130	21	.	.	PUNCT
fsr-3433	131	1	their	their	PRON
fsr-3433	131	2	empirical	empirical	ADJ
fsr-3433	131	3	analysis	analysis	NOUN
fsr-3433	131	4	suggests	suggest	VERB
fsr-3433	131	5	that	that	SCONJ
fsr-3433	131	6	there	there	PRON
fsr-3433	131	7	is	be	VERB
fsr-3433	131	8	no	no	DET
fsr-3433	131	9	association	association	NOUN
fsr-3433	131	10	between	between	ADP
fsr-3433	131	11	student	student	NOUN
fsr-3433	131	12	debt	debt	NOUN
fsr-3433	131	13	and	and	CCONJ
fsr-3433	131	14	student	student	NOUN
fsr-3433	131	15	life	life	NOUN
fsr-3433	131	16	satisfaction	satisfaction	NOUN
fsr-3433	131	17	.	.	PUNCT
fsr-3433	132	1	students	student	NOUN
fsr-3433	132	2	seem	seem	VERB
fsr-3433	132	3	satisfied	satisfied	ADJ
fsr-3433	132	4	irrespective	irrespective	ADV
fsr-3433	132	5	of	of	ADP
fsr-3433	132	6	whether	whether	SCONJ
fsr-3433	132	7	they	they	PRON
fsr-3433	132	8	have	have	AUX
fsr-3433	132	9	debt	debt	NOUN
fsr-3433	132	10	or	or	CCONJ
fsr-3433	132	11	not	not	PART
fsr-3433	132	12	.	.	PUNCT
fsr-3433	133	1	however	however	ADV
fsr-3433	133	2	,	,	PUNCT
fsr-3433	133	3	solis	solis	PROPN
fsr-3433	133	4	and	and	CCONJ
fsr-3433	133	5	ferguson	ferguson	PROPN
fsr-3433	133	6	(	(	PUNCT
fsr-3433	133	7	2017	2017	NUM
fsr-3433	133	8	)	)	PUNCT
fsr-3433	133	9	analyze	analyze	VERB
fsr-3433	133	10	student	student	NOUN
fsr-3433	133	11	data	datum	NOUN
fsr-3433	133	12	from	from	ADP
fsr-3433	133	13	the	the	DET
fsr-3433	133	14	united	united	PROPN
fsr-3433	133	15	states	states	PROPN
fsr-3433	133	16	and	and	CCONJ
fsr-3433	133	17	conclude	conclude	VERB
fsr-3433	133	18	that	that	SCONJ
fsr-3433	133	19	students	student	NOUN
fsr-3433	133	20	with	with	ADP
fsr-3433	133	21	loans	loan	NOUN
fsr-3433	133	22	and	and	CCONJ
fsr-3433	133	23	credit	credit	NOUN
fsr-3433	133	24	card	card	NOUN
fsr-3433	133	25	debt	debt	NOUN
fsr-3433	133	26	are	be	AUX
fsr-3433	133	27	more	more	ADV
fsr-3433	133	28	likely	likely	ADJ
fsr-3433	133	29	to	to	PART
fsr-3433	133	30	be	be	AUX
fsr-3433	133	31	financially	financially	ADV
fsr-3433	133	32	dissatisfied	dissatisfied	ADJ
fsr-3433	133	33	.	.	PUNCT
fsr-3433	134	1	brown	brown	ADJ
fsr-3433	134	2	and	and	CCONJ
fsr-3433	134	3	gray	gray	ADJ
fsr-3433	134	4	(	(	PUNCT
fsr-3433	134	5	2016	2016	NUM
fsr-3433	134	6	)	)	PUNCT
fsr-3433	134	7	conclude	conclude	VERB
fsr-3433	134	8	similar	similar	ADJ
fsr-3433	134	9	results	result	NOUN
fsr-3433	134	10	for	for	ADP
fsr-3433	134	11	consumers	consumer	NOUN
fsr-3433	134	12	by	by	ADP
fsr-3433	134	13	analyzing	analyze	VERB
fsr-3433	134	14	the	the	DET
fsr-3433	134	15	hilda	hilda	PROPN
fsr-3433	134	16	survey	survey	NOUN
fsr-3433	134	17	.	.	PUNCT
fsr-3433	135	1	their	their	PRON
fsr-3433	135	2	empirical	empirical	ADJ
fsr-3433	135	3	analysis	analysis	NOUN
fsr-3433	135	4	finds	find	VERB
fsr-3433	135	5	a	a	DET
fsr-3433	135	6	negative	negative	ADJ
fsr-3433	135	7	association	association	NOUN
fsr-3433	135	8	between	between	ADP
fsr-3433	135	9	all	all	DET
fsr-3433	135	10	types	type	NOUN
fsr-3433	135	11	of	of	ADP
fsr-3433	135	12	debt	debt	NOUN
fsr-3433	135	13	and	and	CCONJ
fsr-3433	135	14	financial	financial	ADJ
fsr-3433	135	15	satisfaction	satisfaction	NOUN
fsr-3433	135	16	.	.	PUNCT
fsr-3433	136	1	similarly	similarly	ADV
fsr-3433	136	2	,	,	PUNCT
fsr-3433	136	3	we	we	PRON
fsr-3433	136	4	expect	expect	VERB
fsr-3433	136	5	in	in	ADP
fsr-3433	136	6	this	this	DET
fsr-3433	136	7	article	article	NOUN
fsr-3433	136	8	a	a	DET
fsr-3433	136	9	negative	negative	ADJ
fsr-3433	136	10	association	association	NOUN
fsr-3433	136	11	between	between	ADP
fsr-3433	136	12	financial	financial	ADJ
fsr-3433	136	13	satisfaction	satisfaction	NOUN
fsr-3433	136	14	and	and	CCONJ
fsr-3433	136	15	credit	credit	NOUN
fsr-3433	136	16	card	card	NOUN
fsr-3433	136	17	debt	debt	NOUN
fsr-3433	136	18	-	-	PUNCT
fsr-3433	136	19	taking	take	VERB
fsr-3433	136	20	behavior	behavior	NOUN
fsr-3433	136	21	.	.	PUNCT
fsr-3433	137	1	hypothesis	hypothesis	NOUN
fsr-3433	137	2	3	3	NUM
fsr-3433	137	3	:	:	PUNCT
fsr-3433	137	4	higher	high	ADJ
fsr-3433	137	5	financial	financial	ADJ
fsr-3433	137	6	satisfaction	satisfaction	NOUN
fsr-3433	137	7	negatively	negatively	ADV
fsr-3433	137	8	relates	relate	VERB
fsr-3433	137	9	to	to	ADP
fsr-3433	137	10	credit	credit	NOUN
fsr-3433	137	11	card	card	NOUN
fsr-3433	137	12	debt	debt	NOUN
fsr-3433	137	13	-	-	PUNCT
fsr-3433	137	14	taking	take	VERB
fsr-3433	137	15	behavior	behavior	NOUN
fsr-3433	137	16	.	.	PUNCT
fsr-3433	138	1	278	278	NUM
fsr-3433	138	2	m.	m.	NOUN
fsr-3433	138	3	s.	s.	PROPN
fsr-3433	138	4	tahir	tahir	PROPN
fsr-3433	138	5	et	et	PROPN
fsr-3433	138	6	al	al	PROPN
fsr-3433	138	7	.	.	PUNCT
fsr-3433	138	8	/	/	SYM
fsr-3433	138	9	financial	financial	ADJ
fsr-3433	138	10	services	service	NOUN
fsr-3433	138	11	review	review	VERB
fsr-3433	138	12	28	28	NUM
fsr-3433	138	13	(	(	PUNCT
fsr-3433	138	14	2020	2020	NUM
fsr-3433	138	15	)	)	PUNCT
fsr-3433	139	1	273–301	273–301	NUM
fsr-3433	139	2	in	in	ADP
fsr-3433	139	3	the	the	DET
fsr-3433	139	4	context	context	NOUN
fsr-3433	139	5	of	of	ADP
fsr-3433	139	6	our	our	PRON
fsr-3433	139	7	study	study	NOUN
fsr-3433	139	8	,	,	PUNCT
fsr-3433	139	9	we	we	PRON
fsr-3433	139	10	expect	expect	VERB
fsr-3433	139	11	that	that	SCONJ
fsr-3433	139	12	both	both	CCONJ
fsr-3433	139	13	financial	financial	ADJ
fsr-3433	139	14	literacy	literacy	NOUN
fsr-3433	139	15	and	and	CCONJ
fsr-3433	139	16	the	the	DET
fsr-3433	139	17	other	other	ADJ
fsr-3433	139	18	factors	factor	NOUN
fsr-3433	139	19	(	(	PUNCT
fsr-3433	139	20	attitude	attitude	NOUN
fsr-3433	139	21	towards	towards	ADP
fsr-3433	139	22	balancing	balance	VERB
fsr-3433	139	23	spending	spending	NOUN
fsr-3433	139	24	and	and	CCONJ
fsr-3433	139	25	savings	saving	NOUN
fsr-3433	139	26	and	and	CCONJ
fsr-3433	139	27	financial	financial	ADJ
fsr-3433	139	28	satisfaction	satisfaction	NOUN
fsr-3433	139	29	)	)	PUNCT
fsr-3433	139	30	are	be	AUX
fsr-3433	139	31	related	relate	VERB
fsr-3433	139	32	to	to	ADP
fsr-3433	139	33	reduced	reduce	VERB
fsr-3433	139	34	credit	credit	NOUN
fsr-3433	139	35	card	card	NOUN
fsr-3433	139	36	debt	debt	NOUN
fsr-3433	139	37	-	-	PUNCT
fsr-3433	139	38	taking	take	VERB
fsr-3433	139	39	behavior	behavior	NOUN
fsr-3433	139	40	.	.	PUNCT
fsr-3433	140	1	however	however	ADV
fsr-3433	140	2	,	,	PUNCT
fsr-3433	140	3	we	we	PRON
fsr-3433	140	4	also	also	ADV
fsr-3433	140	5	expect	expect	VERB
fsr-3433	140	6	that	that	SCONJ
fsr-3433	140	7	the	the	DET
fsr-3433	140	8	relative	relative	ADJ
fsr-3433	140	9	weight	weight	NOUN
fsr-3433	140	10	of	of	ADP
fsr-3433	140	11	the	the	DET
fsr-3433	140	12	association	association	NOUN
fsr-3433	140	13	of	of	ADP
fsr-3433	140	14	the	the	DET
fsr-3433	140	15	other	other	ADJ
fsr-3433	140	16	factors	factor	NOUN
fsr-3433	140	17	with	with	ADP
fsr-3433	140	18	credit	credit	NOUN
fsr-3433	140	19	card	card	NOUN
fsr-3433	140	20	debt	debt	NOUN
fsr-3433	140	21	-	-	PUNCT
fsr-3433	140	22	taking	take	VERB
fsr-3433	140	23	behavior	behavior	NOUN
fsr-3433	140	24	is	be	AUX
fsr-3433	140	25	greater	great	ADJ
fsr-3433	140	26	than	than	ADP
fsr-3433	140	27	financial	financial	ADJ
fsr-3433	140	28	literacy	literacy	NOUN
fsr-3433	140	29	.	.	PUNCT
fsr-3433	141	1	3	3	X
fsr-3433	141	2	.	.	X
fsr-3433	141	3	data	datum	NOUN
fsr-3433	141	4	we	we	PRON
fsr-3433	141	5	use	use	VERB
fsr-3433	141	6	a	a	DET
fsr-3433	141	7	nationally	nationally	ADV
fsr-3433	141	8	representative	representative	ADJ
fsr-3433	141	9	dataset	dataset	NOUN
fsr-3433	141	10	of	of	ADP
fsr-3433	141	11	australia	australia	PROPN
fsr-3433	141	12	namely	namely	ADV
fsr-3433	141	13	hilda	hilda	VERB
fsr-3433	141	14	.	.	PUNCT
fsr-3433	142	1	hilda	hilda	PROPN
fsr-3433	142	2	survey	survey	NOUN
fsr-3433	142	3	is	be	AUX
fsr-3433	142	4	a	a	DET
fsr-3433	142	5	household	household	NOUN
fsr-3433	142	6	panel	panel	NOUN
fsr-3433	142	7	survey	survey	NOUN
fsr-3433	142	8	that	that	PRON
fsr-3433	142	9	observes	observe	VERB
fsr-3433	142	10	a	a	DET
fsr-3433	142	11	change	change	NOUN
fsr-3433	142	12	in	in	ADP
fsr-3433	142	13	the	the	DET
fsr-3433	142	14	characteristics	characteristic	NOUN
fsr-3433	142	15	and	and	CCONJ
fsr-3433	142	16	behaviors	behavior	NOUN
fsr-3433	142	17	of	of	ADP
fsr-3433	142	18	the	the	DET
fsr-3433	142	19	same	same	ADJ
fsr-3433	142	20	sample	sample	NOUN
fsr-3433	142	21	over	over	ADP
fsr-3433	142	22	time	time	NOUN
fsr-3433	142	23	(	(	PUNCT
fsr-3433	142	24	watson	watson	PROPN
fsr-3433	142	25	&	&	CCONJ
fsr-3433	142	26	wooden	wooden	PROPN
fsr-3433	142	27	,	,	PUNCT
fsr-3433	142	28	2010	2010	NUM
fsr-3433	142	29	)	)	PUNCT
fsr-3433	142	30	.	.	PUNCT
fsr-3433	143	1	commenced	commence	VERB
fsr-3433	143	2	in	in	ADP
fsr-3433	143	3	2001	2001	NUM
fsr-3433	143	4	,	,	PUNCT
fsr-3433	143	5	18	18	NUM
fsr-3433	143	6	waves	wave	NOUN
fsr-3433	143	7	of	of	ADP
fsr-3433	143	8	hilda	hilda	NOUN
fsr-3433	143	9	have	have	AUX
fsr-3433	143	10	been	be	AUX
fsr-3433	143	11	released	release	VERB
fsr-3433	143	12	to	to	ADP
fsr-3433	143	13	the	the	DET
fsr-3433	143	14	date	date	NOUN
fsr-3433	143	15	.	.	PUNCT
fsr-3433	144	1	initial	initial	ADJ
fsr-3433	144	2	details	detail	NOUN
fsr-3433	144	3	of	of	ADP
fsr-3433	144	4	hilda	hilda	NOUN
fsr-3433	144	5	are	be	AUX
fsr-3433	144	6	documented	document	VERB
fsr-3433	144	7	by	by	ADP
fsr-3433	144	8	wooden	wooden	ADJ
fsr-3433	144	9	,	,	PUNCT
fsr-3433	144	10	freidin	freidin	ADJ
fsr-3433	144	11	,	,	PUNCT
fsr-3433	144	12	and	and	CCONJ
fsr-3433	144	13	watson	watson	PROPN
fsr-3433	144	14	(	(	PUNCT
fsr-3433	144	15	2002	2002	NUM
fsr-3433	144	16	)	)	PUNCT
fsr-3433	144	17	.	.	PUNCT
fsr-3433	145	1	we	we	PRON
fsr-3433	145	2	use	use	VERB
fsr-3433	145	3	wave	wave	NOUN
fsr-3433	145	4	16	16	NUM
fsr-3433	145	5	for	for	ADP
fsr-3433	145	6	this	this	DET
fsr-3433	145	7	article	article	NOUN
fsr-3433	145	8	.	.	PUNCT
fsr-3433	146	1	the	the	DET
fsr-3433	146	2	data	datum	NOUN
fsr-3433	146	3	for	for	ADP
fsr-3433	146	4	wave	wave	NOUN
fsr-3433	146	5	16	16	NUM
fsr-3433	146	6	were	be	AUX
fsr-3433	146	7	collected	collect	VERB
fsr-3433	146	8	in	in	ADP
fsr-3433	146	9	2016	2016	NUM
fsr-3433	146	10	and	and	CCONJ
fsr-3433	146	11	access	access	NOUN
fsr-3433	146	12	was	be	AUX
fsr-3433	146	13	granted	grant	VERB
fsr-3433	146	14	in	in	ADP
fsr-3433	146	15	2018	2018	NUM
fsr-3433	146	16	.	.	PUNCT
fsr-3433	147	1	wave	wave	NOUN
fsr-3433	147	2	16	16	NUM
fsr-3433	147	3	contains	contain	VERB
fsr-3433	147	4	a	a	DET
fsr-3433	147	5	special	special	ADJ
fsr-3433	147	6	module	module	NOUN
fsr-3433	147	7	of	of	ADP
fsr-3433	147	8	financial	financial	ADJ
fsr-3433	147	9	literacy	literacy	NOUN
fsr-3433	147	10	measures	measure	NOUN
fsr-3433	147	11	along	along	ADP
fsr-3433	147	12	with	with	ADP
fsr-3433	147	13	other	other	ADJ
fsr-3433	147	14	regular	regular	ADJ
fsr-3433	147	15	modules	module	NOUN
fsr-3433	147	16	,	,	PUNCT
fsr-3433	147	17	making	make	VERB
fsr-3433	147	18	it	it	PRON
fsr-3433	147	19	apt	apt	ADJ
fsr-3433	147	20	for	for	ADP
fsr-3433	147	21	this	this	DET
fsr-3433	147	22	study	study	NOUN
fsr-3433	147	23	.	.	PUNCT
fsr-3433	148	1	the	the	DET
fsr-3433	148	2	financial	financial	ADJ
fsr-3433	148	3	literacy	literacy	NOUN
fsr-3433	148	4	skills	skill	NOUN
fsr-3433	148	5	were	be	AUX
fsr-3433	148	6	not	not	PART
fsr-3433	148	7	tested	test	VERB
fsr-3433	148	8	in	in	ADP
fsr-3433	148	9	hilda	hilda	PROPN
fsr-3433	148	10	before	before	ADP
fsr-3433	148	11	wave	wave	NOUN
fsr-3433	148	12	16	16	NUM
fsr-3433	148	13	or	or	CCONJ
fsr-3433	148	14	after	after	ADV
fsr-3433	148	15	.	.	PUNCT
fsr-3433	149	1	hence	hence	ADV
fsr-3433	149	2	,	,	PUNCT
fsr-3433	149	3	it	it	PRON
fsr-3433	149	4	makes	make	VERB
fsr-3433	149	5	this	this	DET
fsr-3433	149	6	study	study	NOUN
fsr-3433	149	7	cross	cross	ADJ
fsr-3433	149	8	-	-	ADJ
fsr-3433	149	9	sectional	sectional	ADJ
fsr-3433	149	10	.	.	PUNCT
fsr-3433	149	11	table	table	NOUN
fsr-3433	149	12	1	1	NUM
fsr-3433	149	13	lists	list	NOUN
fsr-3433	149	14	five	five	NUM
fsr-3433	149	15	items	item	NOUN
fsr-3433	149	16	used	use	VERB
fsr-3433	149	17	to	to	PART
fsr-3433	149	18	measure	measure	VERB
fsr-3433	149	19	the	the	DET
fsr-3433	149	20	financial	financial	ADJ
fsr-3433	149	21	literacy	literacy	NOUN
fsr-3433	149	22	skills	skill	NOUN
fsr-3433	149	23	of	of	ADP
fsr-3433	149	24	the	the	DET
fsr-3433	149	25	respondents	respondent	NOUN
fsr-3433	149	26	.	.	PUNCT
fsr-3433	150	1	these	these	PRON
fsr-3433	150	2	are	be	AUX
fsr-3433	150	3	objective	objective	ADJ
fsr-3433	150	4	questions	question	NOUN
fsr-3433	150	5	with	with	ADP
fsr-3433	150	6	one	one	NUM
fsr-3433	150	7	correct	correct	ADJ
fsr-3433	150	8	answer	answer	NOUN
fsr-3433	150	9	.	.	PUNCT
fsr-3433	151	1	similar	similar	ADJ
fsr-3433	151	2	worldwide	worldwide	ADJ
fsr-3433	151	3	research	research	NOUN
fsr-3433	151	4	studies	study	NOUN
fsr-3433	151	5	have	have	AUX
fsr-3433	151	6	also	also	ADV
fsr-3433	151	7	used	use	VERB
fsr-3433	151	8	these	these	DET
fsr-3433	151	9	measures	measure	NOUN
fsr-3433	151	10	(	(	PUNCT
fsr-3433	151	11	cude	cude	ADJ
fsr-3433	151	12	,	,	PUNCT
fsr-3433	151	13	chatterjee	chatterjee	PROPN
fsr-3433	151	14	,	,	PUNCT
fsr-3433	151	15	&	&	CCONJ
fsr-3433	151	16	tavosi	tavosi	PROPN
fsr-3433	151	17	,	,	PUNCT
fsr-3433	151	18	2019	2019	NUM
fsr-3433	151	19	;	;	PUNCT
fsr-3433	151	20	kadoya	kadoya	PROPN
fsr-3433	151	21	,	,	PUNCT
fsr-3433	151	22	khan	khan	PROPN
fsr-3433	151	23	,	,	PUNCT
fsr-3433	151	24	hamada	hamada	PROPN
fsr-3433	151	25	,	,	PUNCT
fsr-3433	151	26	&	&	CCONJ
fsr-3433	151	27	dominguez	dominguez	PROPN
fsr-3433	151	28	,	,	PUNCT
fsr-3433	151	29	2018	2018	NUM
fsr-3433	151	30	;	;	PUNCT
fsr-3433	151	31	lusardi	lusardi	PROPN
fsr-3433	151	32	&	&	CCONJ
fsr-3433	151	33	mitchell	mitchell	PROPN
fsr-3433	151	34	,	,	PUNCT
fsr-3433	151	35	2007	2007	NUM
fsr-3433	151	36	,	,	PUNCT
fsr-3433	151	37	2011	2011	NUM
fsr-3433	151	38	,	,	PUNCT
fsr-3433	151	39	2013	2013	NUM
fsr-3433	151	40	;	;	PUNCT
fsr-3433	151	41	van	van	PROPN
fsr-3433	151	42	rooij	rooij	NOUN
fsr-3433	151	43	et	et	PROPN
fsr-3433	151	44	al	al	PROPN
fsr-3433	151	45	.	.	PROPN
fsr-3433	151	46	,	,	PUNCT
fsr-3433	151	47	2011	2011	NUM
fsr-3433	151	48	)	)	PUNCT
fsr-3433	151	49	.	.	PUNCT
fsr-3433	152	1	table	table	NOUN
fsr-3433	152	2	2	2	NUM
fsr-3433	152	3	shows	show	VERB
fsr-3433	152	4	the	the	DET
fsr-3433	152	5	percentage	percentage	NOUN
fsr-3433	152	6	of	of	ADP
fsr-3433	152	7	valid	valid	ADJ
fsr-3433	152	8	correct	correct	ADJ
fsr-3433	152	9	responses	response	NOUN
fsr-3433	152	10	.	.	PUNCT
fsr-3433	153	1	most	most	ADJ
fsr-3433	153	2	of	of	ADP
fsr-3433	153	3	the	the	DET
fsr-3433	153	4	respondents	respondent	NOUN
fsr-3433	153	5	(	(	PUNCT
fsr-3433	153	6	85.5	85.5	NUM
fsr-3433	153	7	%	%	NOUN
fsr-3433	153	8	)	)	PUNCT
fsr-3433	153	9	correctly	correctly	ADV
fsr-3433	153	10	answer	answer	VERB
fsr-3433	153	11	the	the	DET
fsr-3433	153	12	question	question	NOUN
fsr-3433	153	13	related	relate	VERB
fsr-3433	153	14	to	to	ADP
fsr-3433	153	15	simple	simple	ADJ
fsr-3433	153	16	interest	interest	NOUN
fsr-3433	153	17	,	,	PUNCT
fsr-3433	153	18	while	while	SCONJ
fsr-3433	153	19	the	the	DET
fsr-3433	153	20	concept	concept	NOUN
fsr-3433	153	21	of	of	ADP
fsr-3433	153	22	inflation	inflation	NOUN
fsr-3433	153	23	got	get	VERB
fsr-3433	153	24	the	the	DET
fsr-3433	153	25	lowest	low	ADJ
fsr-3433	153	26	percentage	percentage	NOUN
fsr-3433	153	27	of	of	ADP
fsr-3433	153	28	correct	correct	ADJ
fsr-3433	153	29	responses	response	NOUN
fsr-3433	153	30	(	(	PUNCT
fsr-3433	153	31	70.4	70.4	NUM
fsr-3433	153	32	%	%	NOUN
fsr-3433	153	33	)	)	PUNCT
fsr-3433	153	34	.	.	PUNCT
fsr-3433	154	1	furthermore	furthermore	ADV
fsr-3433	154	2	,	,	PUNCT
fsr-3433	154	3	it	it	PRON
fsr-3433	154	4	is	be	AUX
fsr-3433	154	5	important	important	ADJ
fsr-3433	154	6	to	to	PART
fsr-3433	154	7	note	note	VERB
fsr-3433	154	8	that	that	SCONJ
fsr-3433	154	9	those	those	PRON
fsr-3433	154	10	who	who	PRON
fsr-3433	154	11	got	get	VERB
fsr-3433	154	12	assistance	assistance	NOUN
fsr-3433	154	13	to	to	PART
fsr-3433	154	14	answer	answer	VERB
fsr-3433	154	15	these	these	DET
fsr-3433	154	16	questions	question	NOUN
fsr-3433	154	17	are	be	AUX
fsr-3433	154	18	excluded	exclude	VERB
fsr-3433	154	19	.	.	PUNCT
fsr-3433	155	1	additionally	additionally	ADV
fsr-3433	155	2	,	,	PUNCT
fsr-3433	155	3	we	we	PRON
fsr-3433	155	4	treat	treat	AUX
fsr-3433	155	5	“	"	PUNCT
fsr-3433	155	6	do	do	AUX
fsr-3433	155	7	n’t	not	PART
fsr-3433	155	8	know	know	VERB
fsr-3433	155	9	”	"	PUNCT
fsr-3433	155	10	as	as	ADP
fsr-3433	155	11	an	an	DET
fsr-3433	155	12	incorrect	incorrect	ADJ
fsr-3433	155	13	answer	answer	NOUN
fsr-3433	155	14	because	because	SCONJ
fsr-3433	155	15	these	these	DET
fsr-3433	155	16	questions	question	NOUN
fsr-3433	155	17	imply	imply	VERB
fsr-3433	155	18	a	a	DET
fsr-3433	155	19	correct	correct	ADJ
fsr-3433	155	20	response	response	NOUN
fsr-3433	155	21	.	.	PUNCT
fsr-3433	156	1	next	next	ADV
fsr-3433	156	2	,	,	PUNCT
fsr-3433	156	3	we	we	PRON
fsr-3433	156	4	create	create	VERB
fsr-3433	156	5	the	the	DET
fsr-3433	156	6	“	"	PUNCT
fsr-3433	156	7	financial	financial	ADJ
fsr-3433	156	8	literacy	literacy	NOUN
fsr-3433	156	9	”	"	PUNCT
fsr-3433	156	10	variable	variable	NOUN
fsr-3433	156	11	by	by	ADP
fsr-3433	156	12	adding	add	VERB
fsr-3433	156	13	the	the	DET
fsr-3433	156	14	correct	correct	ADJ
fsr-3433	156	15	responses	response	NOUN
fsr-3433	156	16	of	of	ADP
fsr-3433	156	17	these	these	DET
fsr-3433	156	18	five	five	NUM
fsr-3433	156	19	questions	question	NOUN
fsr-3433	156	20	for	for	ADP
fsr-3433	156	21	each	each	DET
fsr-3433	156	22	participant	participant	NOUN
fsr-3433	156	23	as	as	SCONJ
fsr-3433	156	24	applied	apply	VERB
fsr-3433	156	25	in	in	ADP
fsr-3433	156	26	prior	prior	ADJ
fsr-3433	156	27	studies	study	NOUN
fsr-3433	156	28	(	(	PUNCT
fsr-3433	156	29	ali	ali	PROPN
fsr-3433	156	30	,	,	PUNCT
fsr-3433	156	31	rahman	rahman	PROPN
fsr-3433	156	32	,	,	PUNCT
fsr-3433	156	33	&	&	CCONJ
fsr-3433	156	34	bakar	bakar	PROPN
fsr-3433	156	35	,	,	PUNCT
fsr-3433	156	36	2015	2015	NUM
fsr-3433	156	37	;	;	PUNCT
fsr-3433	156	38	xiao	xiao	PROPN
fsr-3433	156	39	&	&	CCONJ
fsr-3433	156	40	o’neill	o’neill	PROPN
fsr-3433	156	41	,	,	PUNCT
fsr-3433	156	42	2016	2016	NUM
fsr-3433	156	43	)	)	PUNCT
fsr-3433	156	44	.	.	PUNCT
fsr-3433	157	1	this	this	PRON
fsr-3433	157	2	transformed	transform	VERB
fsr-3433	157	3	variable	variable	NOUN
fsr-3433	157	4	depicts	depict	VERB
fsr-3433	157	5	the	the	DET
fsr-3433	157	6	levels	level	NOUN
fsr-3433	157	7	of	of	ADP
fsr-3433	157	8	financial	financial	ADJ
fsr-3433	157	9	literacy	literacy	NOUN
fsr-3433	157	10	,	,	PUNCT
fsr-3433	157	11	where	where	SCONJ
fsr-3433	157	12	“	"	PUNCT
fsr-3433	157	13	0	0	NUM
fsr-3433	157	14	”	"	PUNCT
fsr-3433	157	15	represents	represent	VERB
fsr-3433	157	16	that	that	SCONJ
fsr-3433	157	17	the	the	DET
fsr-3433	157	18	respondent	respondent	NOUN
fsr-3433	157	19	has	have	AUX
fsr-3433	157	20	answered	answer	VERB
fsr-3433	157	21	incorrectly	incorrectly	ADV
fsr-3433	157	22	to	to	ADP
fsr-3433	157	23	all	all	DET
fsr-3433	157	24	the	the	DET
fsr-3433	157	25	five	five	NUM
fsr-3433	157	26	questions	question	NOUN
fsr-3433	157	27	,	,	PUNCT
fsr-3433	157	28	while	while	SCONJ
fsr-3433	157	29	“	"	PUNCT
fsr-3433	157	30	5	5	NUM
fsr-3433	157	31	”	"	PUNCT
fsr-3433	157	32	depicts	depict	VERB
fsr-3433	157	33	that	that	PRON
fsr-3433	157	34	respondent	respondent	NOUN
fsr-3433	157	35	has	have	AUX
fsr-3433	157	36	answered	answer	VERB
fsr-3433	157	37	all	all	DET
fsr-3433	157	38	the	the	DET
fsr-3433	157	39	questions	question	NOUN
fsr-3433	157	40	correctly	correctly	ADV
fsr-3433	157	41	.	.	PUNCT
fsr-3433	158	1	table	table	NOUN
fsr-3433	158	2	3	3	NUM
fsr-3433	158	3	below	below	ADV
fsr-3433	158	4	shows	show	VERB
fsr-3433	158	5	the	the	DET
fsr-3433	158	6	distribution	distribution	NOUN
fsr-3433	158	7	of	of	ADP
fsr-3433	158	8	financial	financial	ADJ
fsr-3433	158	9	literacy	literacy	NOUN
fsr-3433	158	10	skills	skill	NOUN
fsr-3433	158	11	among	among	ADP
fsr-3433	158	12	the	the	DET
fsr-3433	158	13	respondents	respondent	NOUN
fsr-3433	158	14	.	.	PUNCT
fsr-3433	159	1	this	this	DET
fsr-3433	159	2	table	table	NOUN
fsr-3433	159	3	excludes	exclude	VERB
fsr-3433	159	4	the	the	DET
fsr-3433	159	5	missing	miss	VERB
fsr-3433	159	6	values	value	NOUN
fsr-3433	159	7	,	,	PUNCT
fsr-3433	159	8	and	and	CCONJ
fsr-3433	159	9	it	it	PRON
fsr-3433	159	10	shows	show	VERB
fsr-3433	159	11	that	that	SCONJ
fsr-3433	159	12	around	around	ADV
fsr-3433	159	13	44	44	NUM
fsr-3433	159	14	%	%	NOUN
fsr-3433	159	15	of	of	ADP
fsr-3433	159	16	respondents	respondent	NOUN
fsr-3433	159	17	have	have	AUX
fsr-3433	159	18	answered	answer	VERB
fsr-3433	159	19	all	all	DET
fsr-3433	159	20	the	the	DET
fsr-3433	159	21	financial	financial	ADJ
fsr-3433	159	22	literacy	literacy	NOUN
fsr-3433	159	23	questions	question	NOUN
fsr-3433	159	24	correctly	correctly	ADV
fsr-3433	159	25	.	.	PUNCT
fsr-3433	160	1	this	this	PRON
fsr-3433	160	2	is	be	AUX
fsr-3433	160	3	low	low	ADJ
fsr-3433	160	4	in	in	ADP
fsr-3433	160	5	comparison	comparison	NOUN
fsr-3433	160	6	to	to	ADP
fsr-3433	160	7	the	the	DET
fsr-3433	160	8	average	average	ADJ
fsr-3433	160	9	percentage	percentage	NOUN
fsr-3433	160	10	of	of	ADP
fsr-3433	160	11	high	high	ADJ
fsr-3433	160	12	financial	financial	ADJ
fsr-3433	160	13	literacy	literacy	NOUN
fsr-3433	160	14	for	for	ADP
fsr-3433	160	15	oecd	oecd	PROPN
fsr-3433	160	16	countries	country	NOUN
fsr-3433	160	17	that	that	PRON
fsr-3433	160	18	was	be	AUX
fsr-3433	160	19	62	62	NUM
fsr-3433	160	20	%	%	NOUN
fsr-3433	160	21	(	(	PUNCT
fsr-3433	160	22	oecd	oecd	PROPN
fsr-3433	160	23	,	,	PUNCT
fsr-3433	160	24	2016	2016	NUM
fsr-3433	160	25	)	)	PUNCT
fsr-3433	160	26	.	.	PUNCT
fsr-3433	161	1	to	to	PART
fsr-3433	161	2	measure	measure	VERB
fsr-3433	161	3	the	the	DET
fsr-3433	161	4	attitudes	attitude	NOUN
fsr-3433	161	5	of	of	ADP
fsr-3433	161	6	respondents	respondent	NOUN
fsr-3433	161	7	towards	towards	ADP
fsr-3433	161	8	balancing	balance	VERB
fsr-3433	161	9	their	their	PRON
fsr-3433	161	10	spending	spending	NOUN
fsr-3433	161	11	and	and	CCONJ
fsr-3433	161	12	savings	saving	NOUN
fsr-3433	161	13	,	,	PUNCT
fsr-3433	161	14	wave	wave	VERB
fsr-3433	161	15	16	16	NUM
fsr-3433	161	16	of	of	ADP
fsr-3433	161	17	hilda	hilda	PROPN
fsr-3433	161	18	contains	contain	VERB
fsr-3433	161	19	the	the	DET
fsr-3433	161	20	item	item	NOUN
fsr-3433	161	21	with	with	ADP
fsr-3433	161	22	the	the	DET
fsr-3433	161	23	description	description	NOUN
fsr-3433	161	24	“	"	PUNCT
fsr-3433	161	25	i	i	PRON
fsr-3433	161	26	do	do	VERB
fsr-3433	161	27	a	a	DET
fsr-3433	161	28	good	good	ADJ
fsr-3433	161	29	job	job	NOUN
fsr-3433	161	30	of	of	ADP
fsr-3433	161	31	balancing	balance	VERB
fsr-3433	161	32	my	my	PRON
fsr-3433	161	33	spending	spending	NOUN
fsr-3433	161	34	and	and	CCONJ
fsr-3433	161	35	savings	saving	NOUN
fsr-3433	161	36	.	.	PUNCT
fsr-3433	161	37	”	"	PUNCT
fsr-3433	162	1	this	this	DET
fsr-3433	162	2	item	item	NOUN
fsr-3433	162	3	is	be	AUX
fsr-3433	162	4	measured	measure	VERB
fsr-3433	162	5	on	on	ADP
fsr-3433	162	6	a	a	DET
fsr-3433	162	7	7	7	NUM
fsr-3433	162	8	-	-	PUNCT
fsr-3433	162	9	point	point	NOUN
fsr-3433	162	10	likert	likert	ADJ
fsr-3433	162	11	scale	scale	NOUN
fsr-3433	162	12	with	with	ADP
fsr-3433	162	13	option	option	NOUN
fsr-3433	162	14	1	1	NUM
fsr-3433	162	15	=	=	PRON
fsr-3433	162	16	strongly	strongly	ADV
fsr-3433	162	17	disagree	disagree	VERB
fsr-3433	162	18	while	while	SCONJ
fsr-3433	162	19	7	7	NUM
fsr-3433	162	20	=	=	PRON
fsr-3433	162	21	strongly	strongly	ADV
fsr-3433	162	22	agree	agree	VERB
fsr-3433	162	23	.	.	PUNCT
fsr-3433	163	1	this	this	DET
fsr-3433	163	2	item	item	NOUN
fsr-3433	163	3	has	have	VERB
fsr-3433	163	4	1,725	1,725	NUM
fsr-3433	163	5	missing	miss	VERB
fsr-3433	163	6	respondents	respondent	NOUN
fsr-3433	163	7	(	(	PUNCT
fsr-3433	163	8	refused	refuse	VERB
fsr-3433	163	9	/	/	PUNCT
fsr-3433	163	10	not	not	PART
fsr-3433	163	11	stated	state	VERB
fsr-3433	163	12	/	/	SYM
fsr-3433	163	13	multiple	multiple	ADJ
fsr-3433	163	14	responses	response	NOUN
fsr-3433	163	15	/	/	PUNCT
fsr-3433	163	16	not	not	PART
fsr-3433	163	17	asked	ask	VERB
fsr-3433	163	18	)	)	PUNCT
fsr-3433	163	19	out	out	ADP
fsr-3433	163	20	of	of	ADP
fsr-3433	163	21	17,694	17,694	NUM
fsr-3433	163	22	total	total	ADJ
fsr-3433	163	23	respondents	respondent	NOUN
fsr-3433	163	24	,	,	PUNCT
fsr-3433	163	25	which	which	PRON
fsr-3433	163	26	is	be	AUX
fsr-3433	163	27	only	only	ADV
fsr-3433	163	28	about	about	ADV
fsr-3433	163	29	9.75	9.75	NUM
fsr-3433	163	30	%	%	NOUN
fsr-3433	163	31	of	of	ADP
fsr-3433	163	32	the	the	DET
fsr-3433	163	33	total	total	NOUN
fsr-3433	163	34	.	.	PUNCT
fsr-3433	164	1	m.	m.	PROPN
fsr-3433	164	2	s.	s.	PROPN
fsr-3433	164	3	tahir	tahir	PROPN
fsr-3433	164	4	et	et	PROPN
fsr-3433	164	5	al	al	PROPN
fsr-3433	164	6	.	.	PUNCT
fsr-3433	164	7	/	/	SYM
fsr-3433	164	8	financial	financial	ADJ
fsr-3433	164	9	services	service	NOUN
fsr-3433	164	10	review	review	VERB
fsr-3433	164	11	28	28	NUM
fsr-3433	164	12	(	(	PUNCT
fsr-3433	164	13	2020	2020	NUM
fsr-3433	164	14	)	)	PUNCT
fsr-3433	165	1	273–301	273–301	NUM
fsr-3433	165	2	279	279	NUM
fsr-3433	165	3	t	t	X
fsr-3433	165	4	ab	ab	PROPN
fsr-3433	165	5	le	le	PROPN
fsr-3433	165	6	1	1	NUM
fsr-3433	165	7	it	it	PRON
fsr-3433	166	1	em	em	PRON
fsr-3433	166	2	s	s	VERB
fsr-3433	166	3	o	o	X
fsr-3433	166	4	f	f	PROPN
fsr-3433	166	5	fi	fi	NOUN
fsr-3433	166	6	n	n	CCONJ
fsr-3433	166	7	an	an	DET
fsr-3433	166	8	ci	ci	PROPN
fsr-3433	166	9	al	al	PROPN
fsr-3433	166	10	li	li	PROPN
fsr-3433	167	1	te	te	PROPN
fsr-3433	167	2	ra	ra	PROPN
fsr-3433	167	3	cy	cy	PROPN
fsr-3433	167	4	in	in	ADP
fsr-3433	167	5	w	w	PROPN
fsr-3433	167	6	av	av	PROPN
fsr-3433	167	7	e	e	NOUN
fsr-3433	167	8	1	1	NUM
fsr-3433	167	9	6	6	NUM
fsr-3433	167	10	o	o	NOUN
fsr-3433	167	11	f	f	NOUN
fsr-3433	167	12	h	h	NOUN
fsr-3433	168	1	il	il	PROPN
fsr-3433	169	1	d	d	PROPN
fsr-3433	169	2	a	a	DET
fsr-3433	169	3	f	f	NOUN
fsr-3433	169	4	in	in	ADP
fsr-3433	169	5	an	an	DET
fsr-3433	169	6	ci	ci	PROPN
fsr-3433	169	7	al	al	PROPN
fsr-3433	169	8	li	li	PROPN
fsr-3433	170	1	te	te	PROPN
fsr-3433	170	2	ra	ra	PROPN
fsr-3433	170	3	cy	cy	PROPN
fsr-3433	170	4	co	co	PROPN
fsr-3433	170	5	n	n	PROPN
fsr-3433	170	6	ce	ce	PROPN
fsr-3433	170	7	p	p	PROPN
fsr-3433	170	8	t	t	PROPN
fsr-3433	170	9	it	it	PRON
fsr-3433	171	1	em	em	PRON
fsr-3433	171	2	s	s	VERB
fsr-3433	171	3	p	p	NOUN
fsr-3433	171	4	o	o	INTJ
fsr-3433	171	5	ss	ss	INTJ
fsr-3433	171	6	ib	ib	X
fsr-3433	171	7	le	le	X
fsr-3433	171	8	re	re	ADP
fsr-3433	171	9	sp	sp	ADP
fsr-3433	171	10	o	o	PROPN
fsr-3433	171	11	n	n	X
fsr-3433	171	12	se	se	X
fsr-3433	171	13	s	s	X
fsr-3433	172	1	(	(	PUNCT
fsr-3433	172	2	c	c	NOUN
fsr-3433	172	3	o	o	PROPN
fsr-3433	172	4	rr	rr	PROPN
fsr-3433	172	5	ec	ec	PROPN
fsr-3433	172	6	t	t	PROPN
fsr-3433	172	7	an	an	DET
fsr-3433	172	8	sw	sw	PROPN
fsr-3433	172	9	er	er	INTJ
fsr-3433	172	10	in	in	ADP
fsr-3433	172	11	b	b	PROPN
fsr-3433	172	12	o	o	X
fsr-3433	172	13	ld	ld	PROPN
fsr-3433	172	14	)	)	PUNCT
fsr-3433	172	15	s	s	VERB
fsr-3433	172	16	i	i	NOUN
fsr-3433	172	17	m	m	VERB
fsr-3433	172	18	p	p	X
fsr-3433	172	19	le	le	X
fsr-3433	172	20	in	in	ADP
fsr-3433	172	21	te	te	PROPN
fsr-3433	172	22	re	re	ADJ
fsr-3433	172	23	st	st	PROPN
fsr-3433	172	24	“	"	PUNCT
fsr-3433	172	25	s	s	PROPN
fsr-3433	172	26	u	u	NOUN
fsr-3433	172	27	p	p	NOUN
fsr-3433	172	28	p	p	X
fsr-3433	172	29	o	o	X
fsr-3433	172	30	se	se	X
fsr-3433	172	31	y	y	PROPN
fsr-3433	172	32	o	o	PROPN
fsr-3433	173	1	u	u	NOUN
fsr-3433	173	2	p	p	X
fsr-3433	173	3	u	u	X
fsr-3433	173	4	t	t	PROPN
fsr-3433	173	5	$	$	SYM
fsr-3433	173	6	1	1	NUM
fsr-3433	173	7	0	0	NUM
fsr-3433	173	8	0	0	NUM
fsr-3433	173	9	in	in	ADP
fsr-3433	173	10	to	to	ADP
fsr-3433	173	11	a	a	DET
fsr-3433	173	12	n	n	NOUN
fsr-3433	173	13	o	o	NOUN
fsr-3433	174	1	-f	-f	NUM
fsr-3433	174	2	ee	ee	PROPN
fsr-3433	174	3	sa	sa	PROPN
fsr-3433	174	4	v	v	NOUN
fsr-3433	174	5	in	in	ADP
fsr-3433	174	6	g	g	PROPN
fsr-3433	174	7	s	s	PART
fsr-3433	174	8	ac	ac	PROPN
fsr-3433	174	9	co	co	PROPN
fsr-3433	174	10	u	u	PROPN
fsr-3433	174	11	n	n	ADP
fsr-3433	174	12	t	t	PROPN
fsr-3433	175	1	w	w	NOUN
fsr-3433	175	2	it	it	PRON
fsr-3433	175	3	h	h	VERB
fsr-3433	175	4	a	a	DET
fsr-3433	175	5	g	g	PROPN
fsr-3433	175	6	u	u	PROPN
fsr-3433	175	7	ar	ar	PROPN
fsr-3433	175	8	an	an	DET
fsr-3433	175	9	te	te	PROPN
fsr-3433	175	10	ed	ed	NOUN
fsr-3433	175	11	in	in	ADP
fsr-3433	175	12	te	te	PROPN
fsr-3433	175	13	re	re	PROPN
fsr-3433	175	14	st	st	PROPN
fsr-3433	175	15	ra	ra	PROPN
fsr-3433	176	1	te	te	INTJ
fsr-3433	176	2	o	o	NOUN
fsr-3433	176	3	f	f	X
fsr-3433	176	4	2	2	NUM
fsr-3433	176	5	%	%	NOUN
fsr-3433	177	1	p	p	NOUN
fsr-3433	177	2	er	er	INTJ
fsr-3433	177	3	y	y	PROPN
fsr-3433	177	4	ea	ea	PROPN
fsr-3433	177	5	r.	r.	PROPN
fsr-3433	177	6	h	h	PROPN
fsr-3433	178	1	o	o	X
fsr-3433	178	2	w	w	VERB
fsr-3433	178	3	m	m	VERB
fsr-3433	178	4	u	u	NOUN
fsr-3433	178	5	ch	ch	NOUN
fsr-3433	178	6	w	w	PROPN
fsr-3433	178	7	o	o	X
fsr-3433	178	8	u	u	PROPN
fsr-3433	178	9	ld	ld	PROPN
fsr-3433	178	10	b	b	PROPN
fsr-3433	178	11	e	e	PROPN
fsr-3433	178	12	in	in	ADP
fsr-3433	178	13	th	th	NUM
fsr-3433	178	14	e	e	X
fsr-3433	178	15	ac	ac	PROPN
fsr-3433	178	16	co	co	PROPN
fsr-3433	178	17	u	u	PROPN
fsr-3433	178	18	n	n	PROPN
fsr-3433	178	19	t	t	PROPN
fsr-3433	178	20	at	at	ADP
fsr-3433	178	21	th	th	X
fsr-3433	178	22	e	e	X
fsr-3433	178	23	en	en	X
fsr-3433	178	24	d	d	X
fsr-3433	178	25	o	o	X
fsr-3433	178	26	f	f	X
fsr-3433	178	27	th	th	X
fsr-3433	178	28	e	e	X
fsr-3433	178	29	fi	fi	NOUN
fsr-3433	178	30	rs	rs	PROPN
fsr-3433	179	1	t	t	PROPN
fsr-3433	179	2	y	y	PROPN
fsr-3433	179	3	ea	ea	PROPN
fsr-3433	180	1	r	r	NOUN
fsr-3433	180	2	?	?	PUNCT
fsr-3433	180	3	”	"	PUNCT
fsr-3433	181	1	d	d	X
fsr-3433	181	2	o	o	NOUN
fsr-3433	181	3	n	n	CCONJ
fsr-3433	181	4	’	'	PUNCT
fsr-3433	181	5	t	t	PROPN
fsr-3433	181	6	k	k	PROPN
fsr-3433	182	1	n	n	INTJ
fsr-3433	182	2	o	o	NOUN
fsr-3433	182	3	w	w	NOUN
fsr-3433	182	4	/r	/r	NOUN
fsr-3433	182	5	ef	ef	PROPN
fsr-3433	182	6	u	u	PROPN
fsr-3433	182	7	se	se	PROPN
fsr-3433	182	8	d	d	PROPN
fsr-3433	182	9	/$	/$	PROPN
fsr-3433	182	10	10	10	NUM
fsr-3433	182	11	2/	2/	NUM
fsr-3433	182	12	o	o	NOUN
fsr-3433	182	13	th	th	INTJ
fsr-3433	182	14	er	er	INTJ
fsr-3433	182	15	v	v	ADP
fsr-3433	182	16	al	al	PROPN
fsr-3433	182	17	u	u	PROPN
fsr-3433	182	18	e	e	NOUN
fsr-3433	182	19	in	in	ADP
fsr-3433	182	20	fl	fl	PROPN
fsr-3433	182	21	at	at	ADP
fsr-3433	182	22	io	io	X
fsr-3433	182	23	n	n	CCONJ
fsr-3433	182	24	“	"	PUNCT
fsr-3433	182	25	i	i	PRON
fsr-3433	182	26	f	f	X
fsr-3433	182	27	th	th	X
fsr-3433	182	28	e	e	NOUN
fsr-3433	182	29	in	in	ADP
fsr-3433	182	30	te	te	PROPN
fsr-3433	182	31	re	re	PROPN
fsr-3433	182	32	st	st	PROPN
fsr-3433	182	33	ra	ra	PROPN
fsr-3433	182	34	te	te	INTJ
fsr-3433	182	35	o	o	PROPN
fsr-3433	183	1	n	n	CCONJ
fsr-3433	183	2	y	y	NOUN
fsr-3433	183	3	o	o	X
fsr-3433	183	4	u	u	NOUN
fsr-3433	183	5	r	r	NOUN
fsr-3433	183	6	sa	sa	NOUN
fsr-3433	183	7	v	v	NOUN
fsr-3433	183	8	in	in	ADP
fsr-3433	183	9	g	g	PROPN
fsr-3433	183	10	s	s	PART
fsr-3433	183	11	ac	ac	PROPN
fsr-3433	183	12	co	co	PROPN
fsr-3433	183	13	u	u	PROPN
fsr-3433	183	14	n	n	ADP
fsr-3433	183	15	t	t	PROPN
fsr-3433	183	16	w	w	NOUN
fsr-3433	184	1	as	as	ADP
fsr-3433	184	2	1	1	NUM
fsr-3433	184	3	%	%	NOUN
fsr-3433	184	4	p	p	NOUN
fsr-3433	184	5	er	er	INTJ
fsr-3433	184	6	y	y	PROPN
fsr-3433	184	7	ea	ea	PROPN
fsr-3433	184	8	r	r	NOUN
fsr-3433	184	9	an	an	DET
fsr-3433	184	10	d	d	NOUN
fsr-3433	184	11	in	in	ADP
fsr-3433	184	12	fl	fl	NUM
fsr-3433	184	13	at	at	ADP
fsr-3433	184	14	io	io	PROPN
fsr-3433	184	15	n	n	ADV
fsr-3433	184	16	w	w	NOUN
fsr-3433	184	17	as	as	ADP
fsr-3433	184	18	2	2	NUM
fsr-3433	184	19	%	%	NOUN
fsr-3433	184	20	p	p	NOUN
fsr-3433	184	21	er	er	INTJ
fsr-3433	184	22	y	y	PROPN
fsr-3433	184	23	ea	ea	PROPN
fsr-3433	184	24	r.	r.	PROPN
fsr-3433	184	25	a	a	DET
fsr-3433	184	26	ft	ft	INTJ
fsr-3433	184	27	er	er	INTJ
fsr-3433	184	28	o	o	X
fsr-3433	184	29	n	n	ADP
fsr-3433	184	30	e	e	X
fsr-3433	184	31	y	y	PROPN
fsr-3433	184	32	ea	ea	PROPN
fsr-3433	184	33	r	r	PROPN
fsr-3433	184	34	,	,	PUNCT
fsr-3433	185	1	w	w	PROPN
fsr-3433	185	2	o	o	X
fsr-3433	185	3	u	u	NOUN
fsr-3433	185	4	ld	ld	PROPN
fsr-3433	185	5	y	y	NOUN
fsr-3433	185	6	o	o	X
fsr-3433	185	7	u	u	PROPN
fsr-3433	185	8	b	b	PROPN
fsr-3433	185	9	e	e	X
fsr-3433	185	10	ab	ab	X
fsr-3433	185	11	le	le	PROPN
fsr-3433	185	12	to	to	ADP
fsr-3433	185	13	b	b	PROPN
fsr-3433	185	14	u	u	X
fsr-3433	185	15	y	y	PROPN
fsr-3433	185	16	m	m	VERB
fsr-3433	185	17	o	o	NOUN
fsr-3433	185	18	re	re	ADP
fsr-3433	185	19	/t	/t	PUNCT
fsr-3433	185	20	h	h	PROPN
fsr-3433	185	21	e	e	PROPN
fsr-3433	185	22	sa	sa	PROPN
fsr-3433	185	23	m	m	PROPN
fsr-3433	185	24	e/	e/	PROPN
fsr-3433	185	25	le	le	INTJ
fsr-3433	185	26	ss	ss	NOUN
fsr-3433	185	27	th	th	X
fsr-3433	186	1	an	an	PRON
fsr-3433	186	2	to	to	ADP
fsr-3433	186	3	d	d	PROPN
fsr-3433	186	4	ay	ay	PROPN
fsr-3433	186	5	?	?	PUNCT
fsr-3433	186	6	”	"	PUNCT
fsr-3433	187	1	d	d	PRON
fsr-3433	187	2	o	o	NOUN
fsr-3433	187	3	n	n	CCONJ
fsr-3433	187	4	’	'	PUNCT
fsr-3433	187	5	t	t	PROPN
fsr-3433	187	6	k	k	PROPN
fsr-3433	188	1	n	n	INTJ
fsr-3433	188	2	o	o	NOUN
fsr-3433	188	3	w	w	NOUN
fsr-3433	188	4	/r	/r	NOUN
fsr-3433	188	5	ef	ef	PROPN
fsr-3433	188	6	u	u	PROPN
fsr-3433	188	7	se	se	PROPN
fsr-3433	188	8	d	d	PROPN
fsr-3433	188	9	/m	/m	PUNCT
fsr-3433	188	10	o	o	X
fsr-3433	188	11	re	re	X
fsr-3433	188	12	/s	/	NOUN
fsr-3433	188	13	am	be	AUX
fsr-3433	188	14	e/	e/	ADV
fsr-3433	188	15	le	le	X
fsr-3433	188	16	ss	ss	NOUN
fsr-3433	188	17	th	th	X
fsr-3433	188	18	an	an	PRON
fsr-3433	188	19	to	to	ADP
fsr-3433	188	20	da	da	PROPN
fsr-3433	188	21	y	y	PROPN
fsr-3433	188	22	r	r	NOUN
fsr-3433	188	23	is	be	AUX
fsr-3433	188	24	k	k	PROPN
fsr-3433	188	25	an	an	DET
fsr-3433	188	26	d	d	X
fsr-3433	188	27	re	re	VERB
fsr-3433	188	28	tu	tu	PROPN
fsr-3433	188	29	rn	rn	PROPN
fsr-3433	188	30	“	"	PUNCT
fsr-3433	188	31	a	a	DET
fsr-3433	188	32	n	n	NOUN
fsr-3433	188	33	in	in	ADP
fsr-3433	188	34	v	v	NOUN
fsr-3433	188	35	es	es	ADP
fsr-3433	188	36	tm	tm	PROPN
fsr-3433	188	37	en	en	PROPN
fsr-3433	188	38	t	t	PROPN
fsr-3433	189	1	w	w	NOUN
fsr-3433	189	2	it	it	PRON
fsr-3433	189	3	h	h	NOUN
fsr-3433	189	4	a	a	DET
fsr-3433	189	5	h	h	NOUN
fsr-3433	190	1	ig	ig	INTJ
fsr-3433	190	2	h	h	NOUN
fsr-3433	190	3	re	re	VERB
fsr-3433	190	4	tu	tu	PROPN
fsr-3433	190	5	rn	rn	PROPN
fsr-3433	190	6	is	be	AUX
fsr-3433	190	7	li	li	PROPN
fsr-3433	190	8	k	k	PROPN
fsr-3433	190	9	el	el	PROPN
fsr-3433	190	10	y	y	PROPN
fsr-3433	190	11	to	to	ADP
fsr-3433	190	12	b	b	PROPN
fsr-3433	190	13	e	e	ADP
fsr-3433	190	14	h	h	NOUN
fsr-3433	191	1	ig	ig	INTJ
fsr-3433	191	2	h	h	NOUN
fsr-3433	191	3	ri	ri	NOUN
fsr-3433	191	4	sk	sk	INTJ
fsr-3433	191	5	.	.	PUNCT
fsr-3433	191	6	”	"	PUNCT
fsr-3433	192	1	d	d	X
fsr-3433	192	2	o	o	NOUN
fsr-3433	192	3	n	n	CCONJ
fsr-3433	192	4	’	'	PUNCT
fsr-3433	192	5	t	t	PROPN
fsr-3433	192	6	k	k	PROPN
fsr-3433	193	1	n	n	INTJ
fsr-3433	193	2	o	o	NOUN
fsr-3433	193	3	w	w	NOUN
fsr-3433	193	4	/r	/r	NOUN
fsr-3433	193	5	ef	ef	PROPN
fsr-3433	193	6	u	u	PROPN
fsr-3433	193	7	se	se	PROPN
fsr-3433	193	8	d	d	PROPN
fsr-3433	193	9	/t	/t	PUNCT
fsr-3433	193	10	ru	ru	PROPN
fsr-3433	193	11	e/	e/	ADV
fsr-3433	193	12	fa	fa	PROPN
fsr-3433	194	1	ls	ls	PROPN
fsr-3433	195	1	e	e	PROPN
fsr-3433	195	2	p	p	NOUN
fsr-3433	195	3	o	o	X
fsr-3433	195	4	rt	rt	INTJ
fsr-3433	195	5	fo	fo	INTJ
fsr-3433	195	6	li	li	PROPN
fsr-3433	196	1	o	o	NOUN
fsr-3433	196	2	ch	ch	NOUN
fsr-3433	196	3	o	o	X
fsr-3433	196	4	ic	ic	X
fsr-3433	196	5	e	e	X
fsr-3433	196	6	“	"	PUNCT
fsr-3433	196	7	b	b	PROPN
fsr-3433	196	8	u	u	X
fsr-3433	196	9	y	y	PROPN
fsr-3433	196	10	in	in	ADP
fsr-3433	196	11	g	g	PROPN
fsr-3433	196	12	sh	sh	PROPN
fsr-3433	196	13	ar	ar	PROPN
fsr-3433	196	14	es	es	NOUN
fsr-3433	196	15	in	in	ADP
fsr-3433	196	16	a	a	DET
fsr-3433	196	17	si	si	NOUN
fsr-3433	196	18	n	n	CCONJ
fsr-3433	196	19	g	g	PROPN
fsr-3433	196	20	le	le	X
fsr-3433	196	21	co	co	VERB
fsr-3433	196	22	m	m	VERB
fsr-3433	196	23	p	p	X
fsr-3433	196	24	an	an	PRON
fsr-3433	196	25	y	y	PROPN
fsr-3433	196	26	u	u	PROPN
fsr-3433	196	27	su	su	PROPN
fsr-3433	196	28	al	al	PROPN
fsr-3433	196	29	ly	ly	PROPN
fsr-3433	197	1	p	p	PROPN
fsr-3433	197	2	ro	ro	X
fsr-3433	197	3	v	v	INTJ
fsr-3433	197	4	i	i	PROPN
fsr-3433	197	5	d	d	PROPN
fsr-3433	197	6	es	es	ADP
fsr-3433	197	7	a	a	DET
fsr-3433	197	8	sa	sa	PROPN
fsr-3433	197	9	fe	fe	NOUN
fsr-3433	197	10	r	r	NOUN
fsr-3433	197	11	re	re	PROPN
fsr-3433	197	12	tu	tu	PROPN
fsr-3433	197	13	rn	rn	PROPN
fsr-3433	197	14	th	th	PROPN
fsr-3433	197	15	an	an	DET
fsr-3433	197	16	b	b	X
fsr-3433	197	17	u	u	X
fsr-3433	197	18	y	y	PROPN
fsr-3433	197	19	in	in	ADP
fsr-3433	197	20	g	g	PROPN
fsr-3433	197	21	sh	sh	PROPN
fsr-3433	197	22	ar	ar	PROPN
fsr-3433	197	23	es	es	NOUN
fsr-3433	197	24	in	in	ADP
fsr-3433	197	25	a	a	DET
fsr-3433	197	26	n	n	NUM
fsr-3433	197	27	u	u	NOUN
fsr-3433	197	28	m	m	NOUN
fsr-3433	197	29	b	b	NOUN
fsr-3433	197	30	er	er	INTJ
fsr-3433	197	31	o	o	X
fsr-3433	197	32	f	f	PROPN
fsr-3433	198	1	d	d	NOUN
fsr-3433	198	2	if	if	SCONJ
fsr-3433	198	3	fe	fe	X
fsr-3433	198	4	re	re	X
fsr-3433	198	5	n	n	PROPN
fsr-3433	198	6	t	t	PROPN
fsr-3433	198	7	co	co	VERB
fsr-3433	198	8	m	m	PROPN
fsr-3433	198	9	p	p	X
fsr-3433	198	10	an	an	DET
fsr-3433	198	11	ie	ie	X
fsr-3433	198	12	s.	s.	PROPN
fsr-3433	198	13	”	"	PUNCT
fsr-3433	199	1	d	d	X
fsr-3433	199	2	o	o	NOUN
fsr-3433	199	3	n	n	CCONJ
fsr-3433	199	4	’	'	PUNCT
fsr-3433	199	5	t	t	PROPN
fsr-3433	199	6	k	k	PROPN
fsr-3433	200	1	n	n	INTJ
fsr-3433	200	2	o	o	NOUN
fsr-3433	200	3	w	w	NOUN
fsr-3433	200	4	/r	/r	NOUN
fsr-3433	200	5	ef	ef	PROPN
fsr-3433	200	6	u	u	PROPN
fsr-3433	200	7	se	se	PROPN
fsr-3433	200	8	d	d	PROPN
fsr-3433	200	9	/t	/t	PUNCT
fsr-3433	200	10	ru	ru	PROPN
fsr-3433	200	11	e/	e/	ADV
fsr-3433	200	12	fa	fa	PROPN
fsr-3433	201	1	ls	ls	INTJ
fsr-3433	201	2	e	e	PROPN
fsr-3433	201	3	t	t	PROPN
fsr-3433	202	1	i	i	PRON
fsr-3433	202	2	m	m	VERB
fsr-3433	202	3	e	e	NOUN
fsr-3433	202	4	v	v	NUM
fsr-3433	202	5	al	al	PROPN
fsr-3433	202	6	u	u	PROPN
fsr-3433	203	1	e	e	NOUN
fsr-3433	203	2	o	o	NOUN
fsr-3433	203	3	f	f	X
fsr-3433	203	4	m	m	VERB
fsr-3433	203	5	o	o	NOUN
fsr-3433	203	6	n	n	INTJ
fsr-3433	203	7	ey	ey	INTJ
fsr-3433	203	8	“	"	PUNCT
fsr-3433	203	9	i	i	PRON
fsr-3433	203	10	f	f	PROPN
fsr-3433	203	11	b	b	VERB
fsr-3433	203	12	y	y	X
fsr-3433	203	13	th	th	X
fsr-3433	203	14	e	e	X
fsr-3433	203	15	y	y	PROPN
fsr-3433	203	16	ea	ea	PROPN
fsr-3433	204	1	r	r	NOUN
fsr-3433	204	2	2	2	NUM
fsr-3433	204	3	0	0	NUM
fsr-3433	204	4	2	2	NUM
fsr-3433	204	5	0	0	NUM
fsr-3433	205	1	y	y	NOUN
fsr-3433	205	2	o	o	X
fsr-3433	205	3	u	u	NOUN
fsr-3433	205	4	r	r	NOUN
fsr-3433	205	5	in	in	ADP
fsr-3433	205	6	co	co	NOUN
fsr-3433	205	7	m	m	PROPN
fsr-3433	205	8	e	e	NOUN
fsr-3433	205	9	h	h	NOUN
fsr-3433	205	10	as	as	ADP
fsr-3433	205	11	d	d	X
fsr-3433	205	12	o	o	X
fsr-3433	205	13	u	u	PROPN
fsr-3433	205	14	b	b	PROPN
fsr-3433	205	15	le	le	X
fsr-3433	205	16	d	d	PROPN
fsr-3433	205	17	,	,	PUNCT
fsr-3433	205	18	b	b	X
fsr-3433	205	19	u	u	X
fsr-3433	205	20	t	t	X
fsr-3433	205	21	th	th	X
fsr-3433	205	22	e	e	X
fsr-3433	205	23	p	p	PROPN
fsr-3433	205	24	ri	ri	PROPN
fsr-3433	205	25	ce	ce	PROPN
fsr-3433	205	26	s	s	PROPN
fsr-3433	206	1	o	o	X
fsr-3433	206	2	f	f	PROPN
fsr-3433	206	3	al	al	PROPN
fsr-3433	206	4	l	l	PROPN
fsr-3433	207	1	o	o	X
fsr-3433	208	1	f	f	X
fsr-3433	208	2	p	p	X
fsr-3433	208	3	u	u	PROPN
fsr-3433	208	4	rc	rc	PROPN
fsr-3433	208	5	h	h	NOUN
fsr-3433	208	6	as	as	ADP
fsr-3433	208	7	es	es	INTJ
fsr-3433	208	8	h	h	NOUN
fsr-3433	208	9	av	av	PROPN
fsr-3433	208	10	e	e	PROPN
fsr-3433	208	11	al	al	PROPN
fsr-3433	209	1	so	so	ADV
fsr-3433	209	2	d	d	X
fsr-3433	209	3	o	o	X
fsr-3433	209	4	u	u	X
fsr-3433	209	5	b	b	PROPN
fsr-3433	209	6	le	le	X
fsr-3433	209	7	d	d	PROPN
fsr-3433	209	8	.	.	PUNCT
fsr-3433	210	1	in	in	ADP
fsr-3433	210	2	2	2	NUM
fsr-3433	210	3	0	0	NUM
fsr-3433	210	4	2	2	NUM
fsr-3433	210	5	0	0	NUM
fsr-3433	210	6	,	,	PUNCT
fsr-3433	210	7	w	w	PROPN
fsr-3433	210	8	il	il	PROPN
fsr-3433	210	9	l	l	PROPN
fsr-3433	210	10	y	y	PROPN
fsr-3433	210	11	o	o	X
fsr-3433	210	12	u	u	PROPN
fsr-3433	210	13	b	b	PROPN
fsr-3433	210	14	e	e	X
fsr-3433	210	15	ab	ab	X
fsr-3433	210	16	le	le	PROPN
fsr-3433	210	17	to	to	ADP
fsr-3433	210	18	b	b	PROPN
fsr-3433	210	19	u	u	X
fsr-3433	210	20	y	y	PROPN
fsr-3433	210	21	m	m	VERB
fsr-3433	210	22	o	o	NOUN
fsr-3433	210	23	re	re	ADP
fsr-3433	210	24	/t	/t	PUNCT
fsr-3433	210	25	h	h	PROPN
fsr-3433	210	26	e	e	PROPN
fsr-3433	210	27	sa	sa	PROPN
fsr-3433	210	28	m	m	PROPN
fsr-3433	210	29	e/	e/	PROPN
fsr-3433	210	30	le	le	INTJ
fsr-3433	210	31	ss	ss	NOUN
fsr-3433	210	32	th	th	X
fsr-3433	210	33	an	an	PRON
fsr-3433	210	34	to	to	ADP
fsr-3433	210	35	d	d	PROPN
fsr-3433	210	36	ay	ay	PROPN
fsr-3433	210	37	?	?	PUNCT
fsr-3433	210	38	”	"	PUNCT
fsr-3433	211	1	d	d	PRON
fsr-3433	211	2	o	o	NOUN
fsr-3433	211	3	n	n	CCONJ
fsr-3433	211	4	’	'	PUNCT
fsr-3433	211	5	t	t	PROPN
fsr-3433	211	6	k	k	PROPN
fsr-3433	212	1	n	n	INTJ
fsr-3433	212	2	o	o	NOUN
fsr-3433	212	3	w	w	NOUN
fsr-3433	212	4	/r	/r	NOUN
fsr-3433	212	5	ef	ef	PROPN
fsr-3433	212	6	u	u	PROPN
fsr-3433	212	7	se	se	PROPN
fsr-3433	212	8	d	d	PROPN
fsr-3433	212	9	/m	/m	PUNCT
fsr-3433	212	10	o	o	X
fsr-3433	212	11	re	re	X
fsr-3433	212	12	/s	/	NOUN
fsr-3433	212	13	am	be	AUX
fsr-3433	212	14	e/	e/	ADV
fsr-3433	212	15	le	le	X
fsr-3433	212	16	ss	ss	NOUN
fsr-3433	212	17	th	th	X
fsr-3433	212	18	an	an	PRON
fsr-3433	212	19	to	to	ADP
fsr-3433	212	20	d	d	PROPN
fsr-3433	212	21	ay	ay	NOUN
fsr-3433	212	22	n	n	ADV
fsr-3433	212	23	o	o	X
fsr-3433	212	24	te	te	X
fsr-3433	212	25	:	:	PUNCT
fsr-3433	212	26	s	s	VERB
fsr-3433	212	27	o	o	NOUN
fsr-3433	212	28	m	m	VERB
fsr-3433	212	29	e	e	NOUN
fsr-3433	212	30	o	o	X
fsr-3433	212	31	f	f	X
fsr-3433	212	32	th	th	X
fsr-3433	212	33	es	es	X
fsr-3433	212	34	e	e	NOUN
fsr-3433	213	1	it	it	PRON
fsr-3433	214	1	em	em	PRON
fsr-3433	214	2	s	s	VERB
fsr-3433	214	3	ar	ar	NOUN
fsr-3433	214	4	e	e	PROPN
fsr-3433	214	5	b	b	PROPN
fsr-3433	214	6	as	as	ADP
fsr-3433	214	7	ed	ed	PROPN
fsr-3433	214	8	o	o	PROPN
fsr-3433	214	9	n	n	CCONJ
fsr-3433	214	10	l	l	NOUN
fsr-3433	214	11	u	u	X
fsr-3433	214	12	sa	sa	PROPN
fsr-3433	214	13	rd	rd	PROPN
fsr-3433	214	14	i	i	PRON
fsr-3433	215	1	an	an	PRON
fsr-3433	216	1	d	d	NOUN
fsr-3433	216	2	m	m	VERB
fsr-3433	216	3	it	it	PRON
fsr-3433	216	4	ch	ch	NOUN
fsr-3433	216	5	el	el	PROPN
fsr-3433	216	6	l	l	PROPN
fsr-3433	216	7	(	(	PUNCT
fsr-3433	216	8	2	2	NUM
fsr-3433	216	9	0	0	NUM
fsr-3433	216	10	0	0	NUM
fsr-3433	216	11	7	7	NUM
fsr-3433	216	12	)	)	PUNCT
fsr-3433	216	13	.	.	PUNCT
fsr-3433	217	1	e	e	X
fsr-3433	217	2	ac	ac	PROPN
fsr-3433	217	3	h	h	PROPN
fsr-3433	217	4	fi	fi	PROPN
fsr-3433	217	5	n	n	CCONJ
fsr-3433	217	6	an	an	DET
fsr-3433	217	7	ci	ci	PROPN
fsr-3433	217	8	al	al	PROPN
fsr-3433	217	9	li	li	PROPN
fsr-3433	218	1	te	te	PROPN
fsr-3433	218	2	ra	ra	PROPN
fsr-3433	218	3	cy	cy	INTJ
fsr-3433	218	4	q	q	PROPN
fsr-3433	218	5	u	u	NOUN
fsr-3433	218	6	es	es	X
fsr-3433	218	7	ti	ti	NOUN
fsr-3433	218	8	o	o	NOUN
fsr-3433	218	9	n	n	NUM
fsr-3433	218	10	h	h	NOUN
fsr-3433	218	11	as	as	ADP
fsr-3433	218	12	a	a	DET
fsr-3433	218	13	co	co	X
fsr-3433	218	14	rr	rr	PROPN
fsr-3433	218	15	ec	ec	PROPN
fsr-3433	218	16	t	t	PROPN
fsr-3433	218	17	an	an	DET
fsr-3433	218	18	d	d	PROPN
fsr-3433	218	19	in	in	ADP
fsr-3433	218	20	co	co	PROPN
fsr-3433	218	21	rr	rr	PROPN
fsr-3433	218	22	ec	ec	PROPN
fsr-3433	218	23	t	t	PROPN
fsr-3433	218	24	an	an	DET
fsr-3433	218	25	sw	sw	PROPN
fsr-3433	218	26	er	er	INTJ
fsr-3433	218	27	(	(	PUNCT
fsr-3433	218	28	s	s	NOUN
fsr-3433	218	29	)	)	PUNCT
fsr-3433	218	30	.	.	PUNCT
fsr-3433	219	1	a	a	DET
fsr-3433	219	2	fi	fi	NOUN
fsr-3433	219	3	n	n	CCONJ
fsr-3433	219	4	an	an	DET
fsr-3433	219	5	ci	ci	PROPN
fsr-3433	219	6	al	al	PROPN
fsr-3433	219	7	li	li	PROPN
fsr-3433	219	8	ter	ter	PROPN
fsr-3433	220	1	ac	ac	PROPN
fsr-3433	221	1	y	y	PROPN
fsr-3433	221	2	m	m	PROPN
fsr-3433	221	3	ea	ea	PROPN
fsr-3433	221	4	su	su	PROPN
fsr-3433	221	5	re	re	PROPN
fsr-3433	221	6	is	be	AUX
fsr-3433	221	7	d	d	PROPN
fsr-3433	221	8	ev	ev	PROPN
fsr-3433	221	9	el	el	PROPN
fsr-3433	221	10	o	o	PROPN
fsr-3433	222	1	p	p	PROPN
fsr-3433	222	2	ed	ed	PROPN
fsr-3433	222	3	b	b	PROPN
fsr-3433	222	4	y	y	PROPN
fsr-3433	222	5	ta	ta	PROPN
fsr-3433	222	6	k	k	PROPN
fsr-3433	222	7	in	in	ADP
fsr-3433	222	8	g	g	PROPN
fsr-3433	222	9	th	th	X
fsr-3433	222	10	e	e	X
fsr-3433	222	11	su	su	PROPN
fsr-3433	223	1	m	m	PROPN
fsr-3433	223	2	o	o	X
fsr-3433	223	3	f	f	X
fsr-3433	223	4	co	co	PROPN
fsr-3433	223	5	rr	rr	PROPN
fsr-3433	223	6	ec	ec	PROPN
fsr-3433	223	7	t	t	PROPN
fsr-3433	223	8	an	an	DET
fsr-3433	223	9	sw	sw	PROPN
fsr-3433	224	1	er	er	INTJ
fsr-3433	224	2	s	s	X
fsr-3433	224	3	p	p	X
fsr-3433	224	4	ro	ro	X
fsr-3433	224	5	v	v	INTJ
fsr-3433	224	6	i	i	PROPN
fsr-3433	224	7	d	d	PROPN
fsr-3433	224	8	ed	ed	PROPN
fsr-3433	224	9	b	b	PROPN
fsr-3433	224	10	y	y	PROPN
fsr-3433	224	11	ea	ea	PROPN
fsr-3433	224	12	ch	ch	NOUN
fsr-3433	224	13	in	in	ADP
fsr-3433	224	14	d	d	PROPN
fsr-3433	224	15	iv	iv	INTJ
fsr-3433	225	1	i	i	PROPN
fsr-3433	225	2	d	d	PROPN
fsr-3433	225	3	u	u	PROPN
fsr-3433	225	4	al	al	PROPN
fsr-3433	225	5	.	.	PUNCT
fsr-3433	226	1	280	280	NUM
fsr-3433	226	2	m.	m.	NOUN
fsr-3433	226	3	s.	s.	PROPN
fsr-3433	226	4	tahir	tahir	PROPN
fsr-3433	226	5	et	et	PROPN
fsr-3433	226	6	al	al	PROPN
fsr-3433	226	7	.	.	PUNCT
fsr-3433	226	8	/	/	SYM
fsr-3433	226	9	financial	financial	ADJ
fsr-3433	226	10	services	service	NOUN
fsr-3433	226	11	review	review	VERB
fsr-3433	226	12	28	28	NUM
fsr-3433	226	13	(	(	PUNCT
fsr-3433	226	14	2020	2020	NUM
fsr-3433	226	15	)	)	PUNCT
fsr-3433	227	1	273–301	273–301	NUM
fsr-3433	227	2	moreover	moreover	ADV
fsr-3433	227	3	,	,	PUNCT
fsr-3433	227	4	respondents	respondent	NOUN
fsr-3433	227	5	are	be	AUX
fsr-3433	227	6	asked	ask	VERB
fsr-3433	227	7	to	to	PART
fsr-3433	227	8	depict	depict	VERB
fsr-3433	227	9	their	their	PRON
fsr-3433	227	10	satisfaction	satisfaction	NOUN
fsr-3433	227	11	level	level	NOUN
fsr-3433	227	12	with	with	ADP
fsr-3433	227	13	their	their	PRON
fsr-3433	227	14	financial	financial	ADJ
fsr-3433	227	15	situation	situation	NOUN
fsr-3433	227	16	through	through	ADP
fsr-3433	227	17	the	the	DET
fsr-3433	227	18	item	item	NOUN
fsr-3433	227	19	“	"	PUNCT
fsr-3433	227	20	i	i	PRON
fsr-3433	227	21	am	be	AUX
fsr-3433	227	22	now	now	ADV
fsr-3433	227	23	going	go	VERB
fsr-3433	227	24	to	to	PART
fsr-3433	227	25	ask	ask	VERB
fsr-3433	227	26	you	you	PRON
fsr-3433	227	27	some	some	DET
fsr-3433	227	28	questions	question	NOUN
fsr-3433	227	29	about	about	ADP
fsr-3433	227	30	how	how	SCONJ
fsr-3433	227	31	satisfied	satisfied	ADJ
fsr-3433	227	32	or	or	CCONJ
fsr-3433	227	33	dissatisfied	dissatisfied	ADJ
fsr-3433	227	34	you	you	PRON
fsr-3433	227	35	are	be	AUX
fsr-3433	227	36	with	with	ADP
fsr-3433	227	37	some	some	PRON
fsr-3433	227	38	of	of	ADP
fsr-3433	227	39	the	the	DET
fsr-3433	227	40	things	thing	NOUN
fsr-3433	227	41	happening	happen	VERB
fsr-3433	227	42	in	in	ADP
fsr-3433	227	43	your	your	PRON
fsr-3433	227	44	life	life	NOUN
fsr-3433	227	45	.	.	PUNCT
fsr-3433	228	1	i	i	PRON
fsr-3433	228	2	am	be	AUX
fsr-3433	228	3	going	go	VERB
fsr-3433	228	4	to	to	PART
fsr-3433	228	5	read	read	VERB
fsr-3433	228	6	out	out	ADP
fsr-3433	228	7	a	a	DET
fsr-3433	228	8	list	list	NOUN
fsr-3433	228	9	of	of	ADP
fsr-3433	228	10	different	different	ADJ
fsr-3433	228	11	aspects	aspect	NOUN
fsr-3433	228	12	of	of	ADP
fsr-3433	228	13	life	life	NOUN
fsr-3433	228	14	and	and	CCONJ
fsr-3433	228	15	,	,	PUNCT
fsr-3433	228	16	using	use	VERB
fsr-3433	228	17	the	the	DET
fsr-3433	228	18	scale	scale	NOUN
fsr-3433	228	19	on	on	ADP
fsr-3433	228	20	showcard	showcard	PROPN
fsr-3433	228	21	k13	k13	PROPN
fsr-3433	228	22	,	,	PUNCT
fsr-3433	228	23	i	i	PRON
fsr-3433	228	24	want	want	VERB
fsr-3433	228	25	you	you	PRON
fsr-3433	228	26	to	to	PART
fsr-3433	228	27	pick	pick	VERB
fsr-3433	228	28	a	a	DET
fsr-3433	228	29	number	number	NOUN
fsr-3433	228	30	between	between	ADP
fsr-3433	228	31	0	0	NUM
fsr-3433	228	32	and	and	CCONJ
fsr-3433	228	33	10	10	NUM
fsr-3433	228	34	that	that	PRON
fsr-3433	228	35	indicates	indicate	VERB
fsr-3433	228	36	your	your	PRON
fsr-3433	228	37	level	level	NOUN
fsr-3433	228	38	of	of	ADP
fsr-3433	228	39	satisfaction	satisfaction	NOUN
fsr-3433	228	40	with	with	ADP
fsr-3433	228	41	each	each	PRON
fsr-3433	228	42	.	.	PUNCT
fsr-3433	229	1	the	the	DET
fsr-3433	229	2	more	more	ADV
fsr-3433	229	3	satisfied	satisfied	ADJ
fsr-3433	229	4	you	you	PRON
fsr-3433	229	5	are	be	AUX
fsr-3433	229	6	,	,	PUNCT
fsr-3433	229	7	the	the	PRON
fsr-3433	229	8	higher	high	ADJ
fsr-3433	229	9	the	the	DET
fsr-3433	229	10	number	number	NOUN
fsr-3433	229	11	you	you	PRON
fsr-3433	229	12	should	should	AUX
fsr-3433	229	13	pick	pick	VERB
fsr-3433	229	14	.	.	PUNCT
fsr-3433	230	1	the	the	PRON
fsr-3433	230	2	less	less	ADV
fsr-3433	230	3	satisfied	satisfied	ADJ
fsr-3433	230	4	you	you	PRON
fsr-3433	230	5	are	be	AUX
fsr-3433	230	6	,	,	PUNCT
fsr-3433	230	7	the	the	PRON
fsr-3433	230	8	lower	low	ADJ
fsr-3433	230	9	the	the	DET
fsr-3433	230	10	number	number	NOUN
fsr-3433	230	11	.	.	PUNCT
fsr-3433	230	12	.	.	PUNCT
fsr-3433	230	13	.	.	PUNCT
fsr-3433	231	1	c	c	X
fsr-3433	231	2	)	)	PUNCT
fsr-3433	231	3	your	your	PRON
fsr-3433	231	4	financial	financial	ADJ
fsr-3433	231	5	situation	situation	NOUN
fsr-3433	231	6	?	?	PUNCT
fsr-3433	231	7	”	"	PUNCT
fsr-3433	231	8	.	.	PUNCT
fsr-3433	232	1	this	this	DET
fsr-3433	232	2	item	item	NOUN
fsr-3433	232	3	has	have	VERB
fsr-3433	232	4	31	31	NUM
fsr-3433	232	5	missing	missing	ADJ
fsr-3433	232	6	respondents	respondent	NOUN
fsr-3433	232	7	(	(	PUNCT
fsr-3433	232	8	refused/	refused/	NUM
fsr-3433	232	9	not	not	PART
fsr-3433	232	10	stated	state	VERB
fsr-3433	232	11	/	/	SYM
fsr-3433	232	12	don’t	don’t	NUM
fsr-3433	232	13	know	know	NOUN
fsr-3433	232	14	)	)	PUNCT
fsr-3433	232	15	out	out	ADP
fsr-3433	232	16	of	of	ADP
fsr-3433	232	17	17,694	17,694	NUM
fsr-3433	232	18	total	total	ADJ
fsr-3433	232	19	respondents	respondent	NOUN
fsr-3433	232	20	.	.	PUNCT
fsr-3433	233	1	this	this	DET
fsr-3433	233	2	item	item	NOUN
fsr-3433	233	3	is	be	AUX
fsr-3433	233	4	measured	measure	VERB
fsr-3433	233	5	on	on	ADP
fsr-3433	233	6	an	an	DET
fsr-3433	233	7	11points	11points	NUM
fsr-3433	233	8	scale	scale	NOUN
fsr-3433	233	9	with	with	ADP
fsr-3433	233	10	0	0	NUM
fsr-3433	233	11	=	=	SYM
fsr-3433	233	12	totally	totally	ADV
fsr-3433	233	13	dissatisfied	dissatisfied	ADJ
fsr-3433	233	14	while	while	SCONJ
fsr-3433	233	15	10	10	NUM
fsr-3433	233	16	=	=	SYM
fsr-3433	233	17	totally	totally	ADV
fsr-3433	233	18	satisfied	satisfied	ADJ
fsr-3433	233	19	.	.	PUNCT
fsr-3433	234	1	to	to	PART
fsr-3433	234	2	measure	measure	VERB
fsr-3433	234	3	credit	credit	NOUN
fsr-3433	234	4	card	card	NOUN
fsr-3433	234	5	debt	debt	NOUN
fsr-3433	234	6	-	-	PUNCT
fsr-3433	234	7	taking	take	VERB
fsr-3433	234	8	behavior	behavior	NOUN
fsr-3433	234	9	,	,	PUNCT
fsr-3433	234	10	two	two	NUM
fsr-3433	234	11	relevant	relevant	ADJ
fsr-3433	234	12	items	item	NOUN
fsr-3433	234	13	in	in	ADP
fsr-3433	234	14	wave	wave	NOUN
fsr-3433	234	15	16	16	NUM
fsr-3433	234	16	of	of	ADP
fsr-3433	234	17	hilda	hilda	PROPN
fsr-3433	234	18	are	be	AUX
fsr-3433	234	19	;	;	PUNCT
fsr-3433	234	20	“	"	PUNCT
fsr-3433	234	21	do	do	AUX
fsr-3433	234	22	you	you	PRON
fsr-3433	234	23	have	have	VERB
fsr-3433	234	24	any	any	DET
fsr-3433	234	25	credit	credit	NOUN
fsr-3433	234	26	cards	card	NOUN
fsr-3433	234	27	,	,	PUNCT
fsr-3433	234	28	charge	charge	NOUN
fsr-3433	234	29	cards	card	NOUN
fsr-3433	234	30	or	or	CCONJ
fsr-3433	234	31	store	store	NOUN
fsr-3433	234	32	accounts	account	NOUN
fsr-3433	234	33	?	?	PUNCT
fsr-3433	235	1	do	do	AUX
fsr-3433	235	2	not	not	PART
fsr-3433	235	3	include	include	VERB
fsr-3433	235	4	debit	debit	NOUN
fsr-3433	235	5	cards	card	NOUN
fsr-3433	235	6	.	.	PUNCT
fsr-3433	235	7	”	"	PUNCT
fsr-3433	236	1	and	and	CCONJ
fsr-3433	236	2	“	"	PUNCT
fsr-3433	236	3	how	how	SCONJ
fsr-3433	236	4	often	often	ADV
fsr-3433	236	5	is	be	AUX
fsr-3433	236	6	the	the	DET
fsr-3433	236	7	entire	entire	ADJ
fsr-3433	236	8	balance	balance	NOUN
fsr-3433	236	9	on	on	ADP
fsr-3433	236	10	all	all	DET
fsr-3433	236	11	your	your	PRON
fsr-3433	236	12	credit	credit	NOUN
fsr-3433	236	13	cards	card	NOUN
fsr-3433	236	14	paid	pay	VERB
fsr-3433	236	15	off	off	ADP
fsr-3433	236	16	each	each	DET
fsr-3433	236	17	month	month	NOUN
fsr-3433	236	18	?	?	PUNCT
fsr-3433	236	19	”	"	PUNCT
fsr-3433	237	1	the	the	DET
fsr-3433	237	2	first	first	ADJ
fsr-3433	237	3	item	item	NOUN
fsr-3433	237	4	only	only	ADV
fsr-3433	237	5	asks	ask	VERB
fsr-3433	237	6	whether	whether	SCONJ
fsr-3433	237	7	the	the	DET
fsr-3433	237	8	respondents	respondent	NOUN
fsr-3433	237	9	have	have	VERB
fsr-3433	237	10	a	a	DET
fsr-3433	237	11	credit	credit	NOUN
fsr-3433	237	12	card	card	NOUN
fsr-3433	237	13	or	or	CCONJ
fsr-3433	237	14	not	not	PART
fsr-3433	237	15	.	.	PUNCT
fsr-3433	238	1	this	this	PRON
fsr-3433	238	2	does	do	AUX
fsr-3433	238	3	not	not	PART
fsr-3433	238	4	seem	seem	VERB
fsr-3433	238	5	relevant	relevant	ADJ
fsr-3433	238	6	since	since	SCONJ
fsr-3433	238	7	having	have	VERB
fsr-3433	238	8	a	a	DET
fsr-3433	238	9	credit	credit	NOUN
fsr-3433	238	10	card	card	NOUN
fsr-3433	238	11	does	do	AUX
fsr-3433	238	12	not	not	PART
fsr-3433	238	13	mean	mean	VERB
fsr-3433	238	14	having	have	VERB
fsr-3433	238	15	credit	credit	NOUN
fsr-3433	238	16	card	card	NOUN
fsr-3433	238	17	debt	debt	NOUN
fsr-3433	238	18	.	.	PUNCT
fsr-3433	239	1	instead	instead	ADV
fsr-3433	239	2	,	,	PUNCT
fsr-3433	239	3	the	the	DET
fsr-3433	239	4	second	second	ADJ
fsr-3433	239	5	item	item	NOUN
fsr-3433	239	6	explicitly	explicitly	ADV
fsr-3433	239	7	taps	tap	VERB
fsr-3433	239	8	the	the	DET
fsr-3433	239	9	debt	debt	NOUN
fsr-3433	239	10	-	-	PUNCT
fsr-3433	239	11	taking	take	VERB
fsr-3433	239	12	behavior	behavior	NOUN
fsr-3433	239	13	of	of	ADP
fsr-3433	239	14	the	the	DET
fsr-3433	239	15	respondents	respondent	NOUN
fsr-3433	239	16	.	.	PUNCT
fsr-3433	240	1	because	because	SCONJ
fsr-3433	240	2	the	the	DET
fsr-3433	240	3	focus	focus	NOUN
fsr-3433	240	4	of	of	ADP
fsr-3433	240	5	this	this	DET
fsr-3433	240	6	article	article	NOUN
fsr-3433	240	7	is	be	AUX
fsr-3433	240	8	on	on	ADP
fsr-3433	240	9	credit	credit	NOUN
fsr-3433	240	10	card	card	NOUN
fsr-3433	240	11	debt	debt	NOUN
fsr-3433	240	12	-	-	PUNCT
fsr-3433	240	13	taking	take	VERB
fsr-3433	240	14	behavior	behavior	NOUN
fsr-3433	240	15	,	,	PUNCT
fsr-3433	240	16	we	we	PRON
fsr-3433	240	17	opt	opt	VERB
fsr-3433	240	18	for	for	ADP
fsr-3433	240	19	the	the	DET
fsr-3433	240	20	second	second	ADJ
fsr-3433	240	21	item	item	NOUN
fsr-3433	240	22	.	.	PUNCT
fsr-3433	241	1	the	the	DET
fsr-3433	241	2	options	option	NOUN
fsr-3433	241	3	available	available	ADJ
fsr-3433	241	4	in	in	ADP
fsr-3433	241	5	response	response	NOUN
fsr-3433	241	6	to	to	ADP
fsr-3433	241	7	the	the	DET
fsr-3433	241	8	second	second	ADJ
fsr-3433	241	9	item	item	NOUN
fsr-3433	241	10	are	be	AUX
fsr-3433	241	11	“	"	PUNCT
fsr-3433	241	12	(	(	PUNCT
fsr-3433	241	13	1	1	X
fsr-3433	241	14	)	)	PUNCT
fsr-3433	241	15	pays	pay	VERB
fsr-3433	241	16	off	off	ADP
fsr-3433	241	17	entire	entire	ADJ
fsr-3433	241	18	balance	balance	NOUN
fsr-3433	241	19	hardly	hardly	ADV
fsr-3433	241	20	ever	ever	ADV
fsr-3433	241	21	/	/	SYM
fsr-3433	241	22	never	never	ADV
fsr-3433	241	23	(	(	PUNCT
fsr-3433	241	24	2	2	X
fsr-3433	241	25	)	)	PUNCT
fsr-3433	241	26	pays	pay	VERB
fsr-3433	241	27	off	off	ADP
fsr-3433	241	28	entire	entire	ADJ
fsr-3433	241	29	balance	balance	NOUN
fsr-3433	241	30	not	not	PART
fsr-3433	241	31	very	very	ADV
fsr-3433	241	32	often	often	ADV
fsr-3433	241	33	(	(	PUNCT
fsr-3433	241	34	3	3	X
fsr-3433	241	35	)	)	PUNCT
fsr-3433	241	36	pays	pay	VERB
fsr-3433	241	37	off	off	ADP
fsr-3433	241	38	entire	entire	ADJ
fsr-3433	241	39	balance	balance	NOUN
fsr-3433	241	40	about	about	ADV
fsr-3433	241	41	half	half	DET
fsr-3433	241	42	the	the	DET
fsr-3433	241	43	time	time	NOUN
fsr-3433	241	44	(	(	PUNCT
fsr-3433	241	45	4	4	X
fsr-3433	241	46	)	)	PUNCT
fsr-3433	241	47	pays	pay	VERB
fsr-3433	241	48	off	off	ADP
fsr-3433	241	49	entire	entire	ADJ
fsr-3433	241	50	balance	balance	NOUN
fsr-3433	241	51	most	most	ADJ
fsr-3433	241	52	months	month	NOUN
fsr-3433	241	53	(	(	PUNCT
fsr-3433	241	54	5	5	X
fsr-3433	241	55	)	)	PUNCT
fsr-3433	241	56	pays	pay	VERB
fsr-3433	241	57	off	off	ADP
fsr-3433	241	58	entire	entire	ADJ
fsr-3433	241	59	balance	balance	NOUN
fsr-3433	241	60	always/	always/	NOUN
fsr-3433	241	61	almost	almost	ADV
fsr-3433	241	62	always	always	ADV
fsr-3433	241	63	.	.	PUNCT
fsr-3433	241	64	”	"	PUNCT
fsr-3433	242	1	we	we	PRON
fsr-3433	242	2	combine	combine	VERB
fsr-3433	242	3	the	the	DET
fsr-3433	242	4	first	first	ADJ
fsr-3433	242	5	three	three	NUM
fsr-3433	242	6	options	option	NOUN
fsr-3433	242	7	of	of	ADP
fsr-3433	242	8	this	this	DET
fsr-3433	242	9	item	item	NOUN
fsr-3433	242	10	into	into	ADP
fsr-3433	242	11	one	one	NUM
fsr-3433	242	12	category	category	NOUN
fsr-3433	242	13	(	(	PUNCT
fsr-3433	242	14	as	as	ADP
fsr-3433	242	15	“	"	PUNCT
fsr-3433	242	16	1	1	NUM
fsr-3433	242	17	”	"	PUNCT
fsr-3433	242	18	)	)	PUNCT
fsr-3433	242	19	and	and	CCONJ
fsr-3433	242	20	the	the	DET
fsr-3433	242	21	last	last	ADJ
fsr-3433	242	22	two	two	NUM
fsr-3433	242	23	options	option	NOUN
fsr-3433	242	24	into	into	ADP
fsr-3433	242	25	the	the	DET
fsr-3433	242	26	other	other	ADJ
fsr-3433	242	27	category	category	NOUN
fsr-3433	242	28	(	(	PUNCT
fsr-3433	242	29	as	as	ADP
fsr-3433	242	30	“	"	PUNCT
fsr-3433	242	31	0	0	NUM
fsr-3433	242	32	”	"	PUNCT
fsr-3433	242	33	)	)	PUNCT
fsr-3433	242	34	;	;	PUNCT
fsr-3433	242	35	thus	thus	ADV
fsr-3433	242	36	,	,	PUNCT
fsr-3433	242	37	making	make	VERB
fsr-3433	242	38	it	it	PRON
fsr-3433	242	39	a	a	DET
fsr-3433	242	40	binary	binary	ADJ
fsr-3433	242	41	response	response	NOUN
fsr-3433	242	42	variable	variable	NOUN
fsr-3433	242	43	.	.	PUNCT
fsr-3433	243	1	the	the	DET
fsr-3433	243	2	reason	reason	NOUN
fsr-3433	243	3	for	for	ADP
fsr-3433	243	4	doing	do	VERB
fsr-3433	243	5	this	this	PRON
fsr-3433	243	6	is	be	AUX
fsr-3433	243	7	the	the	DET
fsr-3433	243	8	variable	variable	NOUN
fsr-3433	243	9	now	now	ADV
fsr-3433	243	10	tracks	track	VERB
fsr-3433	243	11	the	the	DET
fsr-3433	243	12	behavior	behavior	NOUN
fsr-3433	243	13	of	of	ADP
fsr-3433	243	14	credit	credit	NOUN
fsr-3433	243	15	card	card	NOUN
fsr-3433	243	16	debt	debt	NOUN
fsr-3433	243	17	-	-	PUNCT
fsr-3433	243	18	taking	taking	NOUN
fsr-3433	243	19	that	that	PRON
fsr-3433	243	20	we	we	PRON
fsr-3433	243	21	specifically	specifically	ADV
fsr-3433	243	22	research	research	VERB
fsr-3433	243	23	.	.	PUNCT
fsr-3433	244	1	if	if	SCONJ
fsr-3433	244	2	a	a	DET
fsr-3433	244	3	respondent	respondent	NOUN
fsr-3433	244	4	falls	fall	VERB
fsr-3433	244	5	into	into	ADP
fsr-3433	244	6	any	any	PRON
fsr-3433	244	7	of	of	ADP
fsr-3433	244	8	the	the	DET
fsr-3433	244	9	first	first	ADJ
fsr-3433	244	10	three	three	NUM
fsr-3433	244	11	options	option	NOUN
fsr-3433	244	12	,	,	PUNCT
fsr-3433	244	13	it	it	PRON
fsr-3433	244	14	implies	imply	VERB
fsr-3433	244	15	his	his	PRON
fsr-3433	244	16	or	or	CCONJ
fsr-3433	244	17	her	her	PRON
fsr-3433	244	18	behavior	behavior	NOUN
fsr-3433	244	19	as	as	ADP
fsr-3433	244	20	incurring	incur	VERB
fsr-3433	244	21	credit	credit	NOUN
fsr-3433	244	22	card	card	NOUN
fsr-3433	244	23	debt	debt	NOUN
fsr-3433	244	24	.	.	PUNCT
fsr-3433	245	1	whereas	whereas	SCONJ
fsr-3433	245	2	the	the	DET
fsr-3433	245	3	last	last	ADJ
fsr-3433	245	4	two	two	NUM
fsr-3433	245	5	table	table	NOUN
fsr-3433	245	6	2	2	NUM
fsr-3433	245	7	respondents	respondent	NOUN
fsr-3433	245	8	of	of	ADP
fsr-3433	245	9	financial	financial	ADJ
fsr-3433	245	10	literacy	literacy	NOUN
fsr-3433	245	11	items	item	NOUN
fsr-3433	245	12	in	in	ADP
fsr-3433	245	13	wave	wave	NOUN
fsr-3433	245	14	16	16	NUM
fsr-3433	245	15	of	of	ADP
fsr-3433	245	16	hilda	hilda	NOUN
fsr-3433	245	17	measuring	measure	VERB
fsr-3433	245	18	concept	concept	NOUN
fsr-3433	245	19	correct	correct	ADJ
fsr-3433	245	20	responses	response	NOUN
fsr-3433	245	21	wrong	wrong	ADJ
fsr-3433	245	22	responses	response	NOUN
fsr-3433	245	23	got	get	VERB
fsr-3433	245	24	assistance	assistance	NOUN
fsr-3433	245	25	missing	miss	VERB
fsr-3433	245	26	values	value	NOUN
fsr-3433	245	27	correct	correct	ADJ
fsr-3433	245	28	percentagea	percentagea	VERB
fsr-3433	245	29	simple	simple	ADJ
fsr-3433	245	30	interestb	interestb	NOUN
fsr-3433	245	31	14,773	14,773	NUM
fsr-3433	245	32	2,506	2,506	NUM
fsr-3433	245	33	198	198	NUM
fsr-3433	245	34	217	217	NUM
fsr-3433	245	35	85.5	85.5	NUM
fsr-3433	245	36	inflationc	inflationc	VERB
fsr-3433	245	37	12,228	12,228	NUM
fsr-3433	245	38	5,152	5,152	NUM
fsr-3433	245	39	76	76	NUM
fsr-3433	245	40	238	238	NUM
fsr-3433	245	41	70.4	70.4	NUM
fsr-3433	245	42	risk	risk	NOUN
fsr-3433	245	43	and	and	CCONJ
fsr-3433	245	44	returnd	returnd	ADJ
fsr-3433	245	45	14,569	14,569	NUM
fsr-3433	245	46	2,817	2,817	NUM
fsr-3433	245	47	137	137	NUM
fsr-3433	245	48	171	171	NUM
fsr-3433	245	49	83.8	83.8	NUM
fsr-3433	245	50	portfolio	portfolio	NOUN
fsr-3433	245	51	choicee	choicee	NOUN
fsr-3433	245	52	13,325	13,325	NUM
fsr-3433	245	53	4,102	4,102	NUM
fsr-3433	245	54	91	91	NUM
fsr-3433	245	55	176	176	NUM
fsr-3433	245	56	76.5	76.5	NUM
fsr-3433	245	57	time	time	NOUN
fsr-3433	245	58	value	value	NOUN
fsr-3433	245	59	of	of	ADP
fsr-3433	245	60	moneyf	moneyf	ADJ
fsr-3433	245	61	13,727	13,727	NUM
fsr-3433	245	62	3,650	3,650	NUM
fsr-3433	245	63	90	90	NUM
fsr-3433	245	64	227	227	NUM
fsr-3433	245	65	79.0	79.0	NUM
fsr-3433	245	66	a	a	DET
fsr-3433	245	67	correct	correct	ADJ
fsr-3433	245	68	percentage	percentage	NOUN
fsr-3433	245	69	is	be	AUX
fsr-3433	245	70	calculated	calculate	VERB
fsr-3433	245	71	after	after	ADP
fsr-3433	245	72	omitting	omit	VERB
fsr-3433	245	73	all	all	DET
fsr-3433	245	74	those	those	PRON
fsr-3433	245	75	who	who	PRON
fsr-3433	245	76	got	get	VERB
fsr-3433	245	77	someone	someone	PRON
fsr-3433	245	78	’s	’s	PART
fsr-3433	245	79	assistance	assistance	NOUN
fsr-3433	245	80	regardless	regardless	ADV
fsr-3433	245	81	of	of	ADP
fsr-3433	245	82	a	a	DET
fsr-3433	245	83	correct	correct	ADJ
fsr-3433	245	84	or	or	CCONJ
fsr-3433	245	85	wrong	wrong	ADJ
fsr-3433	245	86	answer	answer	NOUN
fsr-3433	245	87	.	.	PUNCT
fsr-3433	246	1	moreover	moreover	ADV
fsr-3433	246	2	,	,	PUNCT
fsr-3433	246	3	those	those	PRON
fsr-3433	246	4	who	who	PRON
fsr-3433	246	5	replied	reply	VERB
fsr-3433	246	6	as	as	SCONJ
fsr-3433	246	7	“	"	PUNCT
fsr-3433	246	8	do	do	AUX
fsr-3433	246	9	n’t	not	PART
fsr-3433	246	10	know	know	VERB
fsr-3433	246	11	”	"	PUNCT
fsr-3433	246	12	are	be	AUX
fsr-3433	246	13	treated	treat	VERB
fsr-3433	246	14	as	as	ADP
fsr-3433	246	15	wrong	wrong	ADJ
fsr-3433	246	16	answers	answer	NOUN
fsr-3433	246	17	due	due	ADJ
fsr-3433	246	18	to	to	ADP
fsr-3433	246	19	being	be	AUX
fsr-3433	246	20	numerical	numerical	ADJ
fsr-3433	246	21	and	and	CCONJ
fsr-3433	246	22	general	general	ADJ
fsr-3433	246	23	conceptual	conceptual	ADJ
fsr-3433	246	24	questions	question	NOUN
fsr-3433	246	25	.	.	PUNCT
fsr-3433	247	1	b	b	ADP
fsr-3433	247	2	those	those	PRON
fsr-3433	247	3	who	who	PRON
fsr-3433	247	4	correctly	correctly	ADV
fsr-3433	247	5	answered	answer	VERB
fsr-3433	247	6	after	after	ADP
fsr-3433	247	7	getting	get	VERB
fsr-3433	247	8	assistance	assistance	NOUN
fsr-3433	247	9	are	be	AUX
fsr-3433	247	10	176	176	NUM
fsr-3433	247	11	,	,	PUNCT
fsr-3433	247	12	while	while	SCONJ
fsr-3433	247	13	those	those	PRON
fsr-3433	247	14	who	who	PRON
fsr-3433	247	15	wrongly	wrongly	ADV
fsr-3433	247	16	answered	answer	VERB
fsr-3433	247	17	after	after	ADP
fsr-3433	247	18	getting	get	VERB
fsr-3433	247	19	assistance	assistance	NOUN
fsr-3433	247	20	are	be	AUX
fsr-3433	247	21	22	22	NUM
fsr-3433	247	22	.	.	PUNCT
fsr-3433	248	1	c	c	VERB
fsr-3433	248	2	those	those	PRON
fsr-3433	248	3	who	who	PRON
fsr-3433	248	4	correctly	correctly	ADV
fsr-3433	248	5	answered	answer	VERB
fsr-3433	248	6	after	after	ADP
fsr-3433	248	7	getting	get	VERB
fsr-3433	248	8	assistance	assistance	NOUN
fsr-3433	248	9	are	be	AUX
fsr-3433	248	10	51	51	NUM
fsr-3433	248	11	,	,	PUNCT
fsr-3433	248	12	while	while	SCONJ
fsr-3433	248	13	those	those	PRON
fsr-3433	248	14	who	who	PRON
fsr-3433	248	15	wrongly	wrongly	ADV
fsr-3433	248	16	answered	answer	VERB
fsr-3433	248	17	after	after	ADP
fsr-3433	248	18	getting	get	VERB
fsr-3433	248	19	assistance	assistance	NOUN
fsr-3433	248	20	are	be	AUX
fsr-3433	248	21	25	25	NUM
fsr-3433	248	22	.	.	PUNCT
fsr-3433	249	1	d	d	ADP
fsr-3433	249	2	those	those	PRON
fsr-3433	249	3	who	who	PRON
fsr-3433	249	4	correctly	correctly	ADV
fsr-3433	249	5	answered	answer	VERB
fsr-3433	249	6	after	after	ADP
fsr-3433	249	7	getting	get	VERB
fsr-3433	249	8	assistance	assistance	NOUN
fsr-3433	249	9	are	be	AUX
fsr-3433	249	10	115	115	NUM
fsr-3433	249	11	,	,	PUNCT
fsr-3433	249	12	while	while	SCONJ
fsr-3433	249	13	those	those	PRON
fsr-3433	249	14	who	who	PRON
fsr-3433	249	15	wrongly	wrongly	ADV
fsr-3433	249	16	answered	answer	VERB
fsr-3433	249	17	after	after	ADP
fsr-3433	249	18	getting	get	VERB
fsr-3433	249	19	assistance	assistance	NOUN
fsr-3433	249	20	are	be	AUX
fsr-3433	249	21	22	22	NUM
fsr-3433	249	22	.	.	PUNCT
fsr-3433	250	1	e	e	VERB
fsr-3433	250	2	those	those	PRON
fsr-3433	250	3	who	who	PRON
fsr-3433	250	4	correctly	correctly	ADV
fsr-3433	250	5	answered	answer	VERB
fsr-3433	250	6	after	after	ADP
fsr-3433	250	7	getting	get	VERB
fsr-3433	250	8	assistance	assistance	NOUN
fsr-3433	250	9	are	be	AUX
fsr-3433	250	10	46	46	NUM
fsr-3433	250	11	,	,	PUNCT
fsr-3433	250	12	while	while	SCONJ
fsr-3433	250	13	those	those	PRON
fsr-3433	250	14	who	who	PRON
fsr-3433	250	15	wrongly	wrongly	ADV
fsr-3433	250	16	answered	answer	VERB
fsr-3433	250	17	after	after	ADP
fsr-3433	250	18	getting	get	VERB
fsr-3433	250	19	assistance	assistance	NOUN
fsr-3433	250	20	are	be	AUX
fsr-3433	250	21	45	45	NUM
fsr-3433	250	22	.	.	PUNCT
fsr-3433	251	1	f	f	PROPN
fsr-3433	251	2	those	those	PRON
fsr-3433	251	3	who	who	PRON
fsr-3433	251	4	correctly	correctly	ADV
fsr-3433	251	5	answered	answer	VERB
fsr-3433	251	6	after	after	ADP
fsr-3433	251	7	getting	get	VERB
fsr-3433	251	8	assistance	assistance	NOUN
fsr-3433	251	9	are	be	AUX
fsr-3433	251	10	66	66	NUM
fsr-3433	251	11	,	,	PUNCT
fsr-3433	251	12	while	while	SCONJ
fsr-3433	251	13	those	those	PRON
fsr-3433	251	14	who	who	PRON
fsr-3433	251	15	wrongly	wrongly	ADV
fsr-3433	251	16	answered	answer	VERB
fsr-3433	251	17	after	after	ADP
fsr-3433	251	18	getting	get	VERB
fsr-3433	251	19	assistance	assistance	NOUN
fsr-3433	251	20	are	be	AUX
fsr-3433	251	21	24	24	NUM
fsr-3433	251	22	.	.	PUNCT
fsr-3433	252	1	m.	m.	NOUN
fsr-3433	252	2	s.	s.	PROPN
fsr-3433	252	3	tahir	tahir	PROPN
fsr-3433	252	4	et	et	PROPN
fsr-3433	252	5	al	al	PROPN
fsr-3433	252	6	.	.	PUNCT
fsr-3433	252	7	/	/	SYM
fsr-3433	252	8	financial	financial	ADJ
fsr-3433	252	9	services	service	NOUN
fsr-3433	252	10	review	review	VERB
fsr-3433	252	11	28	28	NUM
fsr-3433	252	12	(	(	PUNCT
fsr-3433	252	13	2020	2020	NUM
fsr-3433	252	14	)	)	PUNCT
fsr-3433	253	1	273–301	273–301	NUM
fsr-3433	253	2	281	281	NUM
fsr-3433	253	3	options	option	NOUN
fsr-3433	253	4	depict	depict	VERB
fsr-3433	253	5	that	that	SCONJ
fsr-3433	253	6	the	the	DET
fsr-3433	253	7	respondent	respondent	NOUN
fsr-3433	253	8	avoids	avoid	VERB
fsr-3433	253	9	having	have	VERB
fsr-3433	253	10	credit	credit	NOUN
fsr-3433	253	11	card	card	NOUN
fsr-3433	253	12	debt	debt	NOUN
fsr-3433	253	13	.	.	PUNCT
fsr-3433	254	1	as	as	SCONJ
fsr-3433	254	2	stated	state	VERB
fsr-3433	254	3	earlier	early	ADV
fsr-3433	254	4	in	in	ADP
fsr-3433	254	5	the	the	DET
fsr-3433	254	6	introduction	introduction	NOUN
fsr-3433	254	7	section	section	NOUN
fsr-3433	254	8	of	of	ADP
fsr-3433	254	9	this	this	DET
fsr-3433	254	10	article	article	NOUN
fsr-3433	254	11	,	,	PUNCT
fsr-3433	254	12	the	the	DET
fsr-3433	254	13	researchers	researcher	NOUN
fsr-3433	254	14	report	report	VERB
fsr-3433	254	15	credit	credit	NOUN
fsr-3433	254	16	card	card	NOUN
fsr-3433	254	17	debt	debt	NOUN
fsr-3433	254	18	as	as	ADP
fsr-3433	254	19	a	a	DET
fsr-3433	254	20	most	most	ADV
fsr-3433	254	21	stressful	stressful	ADJ
fsr-3433	254	22	and	and	CCONJ
fsr-3433	254	23	problematic	problematic	ADJ
fsr-3433	254	24	type	type	NOUN
fsr-3433	254	25	of	of	ADP
fsr-3433	254	26	household	household	NOUN
fsr-3433	254	27	debt	debt	NOUN
fsr-3433	254	28	(	(	PUNCT
fsr-3433	254	29	dunn	dunn	PROPN
fsr-3433	254	30	&	&	CCONJ
fsr-3433	254	31	mirzaie	mirzaie	PROPN
fsr-3433	254	32	,	,	PUNCT
fsr-3433	254	33	2012	2012	NUM
fsr-3433	254	34	,	,	PUNCT
fsr-3433	254	35	2016	2016	NUM
fsr-3433	254	36	;	;	PUNCT
fsr-3433	254	37	richards	richard	NOUN
fsr-3433	254	38	,	,	PUNCT
fsr-3433	254	39	ahmed	ahmed	PROPN
fsr-3433	254	40	,	,	PUNCT
fsr-3433	254	41	&	&	CCONJ
fsr-3433	254	42	tahir	tahir	PROPN
fsr-3433	254	43	,	,	PUNCT
fsr-3433	254	44	2019	2019	NUM
fsr-3433	254	45	)	)	PUNCT
fsr-3433	254	46	.	.	PUNCT
fsr-3433	255	1	the	the	DET
fsr-3433	255	2	debt	debt	NOUN
fsr-3433	255	3	becomes	become	VERB
fsr-3433	255	4	more	more	ADV
fsr-3433	255	5	problematic	problematic	ADJ
fsr-3433	255	6	and	and	CCONJ
fsr-3433	255	7	burdensome	burdensome	ADJ
fsr-3433	255	8	when	when	SCONJ
fsr-3433	255	9	monthly	monthly	ADJ
fsr-3433	255	10	balances	balance	NOUN
fsr-3433	255	11	linger	linger	VERB
fsr-3433	255	12	on	on	ADV
fsr-3433	255	13	and	and	CCONJ
fsr-3433	255	14	are	be	AUX
fsr-3433	255	15	not	not	PART
fsr-3433	255	16	paid	pay	VERB
fsr-3433	255	17	off	off	ADP
fsr-3433	255	18	.	.	PUNCT
fsr-3433	256	1	the	the	DET
fsr-3433	256	2	initial	initial	ADJ
fsr-3433	256	3	valid	valid	ADJ
fsr-3433	256	4	percentage	percentage	NOUN
fsr-3433	256	5	of	of	ADP
fsr-3433	256	6	respondents	respondent	NOUN
fsr-3433	256	7	in	in	ADP
fsr-3433	256	8	the	the	DET
fsr-3433	256	9	raw	raw	ADJ
fsr-3433	256	10	dataset	dataset	NOUN
fsr-3433	256	11	(	(	PUNCT
fsr-3433	256	12	before	before	ADP
fsr-3433	256	13	cleaning	cleaning	NOUN
fsr-3433	256	14	and	and	CCONJ
fsr-3433	256	15	filtering	filtering	NOUN
fsr-3433	256	16	of	of	ADP
fsr-3433	256	17	the	the	DET
fsr-3433	256	18	whole	whole	ADJ
fsr-3433	256	19	dataset	dataset	NOUN
fsr-3433	256	20	)	)	PUNCT
fsr-3433	256	21	falling	fall	VERB
fsr-3433	256	22	into	into	ADP
fsr-3433	256	23	the	the	DET
fsr-3433	256	24	“	"	PUNCT
fsr-3433	256	25	0	0	NUM
fsr-3433	256	26	”	"	PUNCT
fsr-3433	256	27	category	category	NOUN
fsr-3433	256	28	(	(	PUNCT
fsr-3433	256	29	not	not	PART
fsr-3433	256	30	taking	take	VERB
fsr-3433	256	31	on	on	ADP
fsr-3433	256	32	credit	credit	NOUN
fsr-3433	256	33	card	card	NOUN
fsr-3433	256	34	debt	debt	NOUN
fsr-3433	256	35	)	)	PUNCT
fsr-3433	256	36	is	be	AUX
fsr-3433	256	37	74.4	74.4	NUM
fsr-3433	256	38	%	%	NOUN
fsr-3433	256	39	,	,	PUNCT
fsr-3433	256	40	while	while	SCONJ
fsr-3433	256	41	those	those	PRON
fsr-3433	256	42	who	who	PRON
fsr-3433	256	43	fall	fall	VERB
fsr-3433	256	44	into	into	ADP
fsr-3433	256	45	the	the	DET
fsr-3433	256	46	other	other	ADJ
fsr-3433	256	47	category	category	NOUN
fsr-3433	256	48	named	name	VERB
fsr-3433	256	49	as	as	ADP
fsr-3433	256	50	“	"	PUNCT
fsr-3433	256	51	1	1	NUM
fsr-3433	256	52	”	"	PUNCT
fsr-3433	256	53	(	(	PUNCT
fsr-3433	256	54	taking	take	VERB
fsr-3433	256	55	on	on	ADP
fsr-3433	256	56	credit	credit	NOUN
fsr-3433	256	57	card	card	NOUN
fsr-3433	256	58	debt	debt	NOUN
fsr-3433	256	59	)	)	PUNCT
fsr-3433	256	60	is	be	AUX
fsr-3433	256	61	25.6	25.6	NUM
fsr-3433	256	62	%	%	NOUN
fsr-3433	256	63	.	.	PUNCT
fsr-3433	257	1	it	it	PRON
fsr-3433	257	2	shows	show	VERB
fsr-3433	257	3	that	that	SCONJ
fsr-3433	257	4	one	one	NUM
fsr-3433	257	5	out	out	ADP
fsr-3433	257	6	of	of	ADP
fsr-3433	257	7	every	every	DET
fsr-3433	257	8	four	four	NUM
fsr-3433	257	9	individuals	individual	NOUN
fsr-3433	257	10	is	be	AUX
fsr-3433	257	11	entering	enter	VERB
fsr-3433	257	12	into	into	ADP
fsr-3433	257	13	a	a	DET
fsr-3433	257	14	credit	credit	NOUN
fsr-3433	257	15	card	card	NOUN
fsr-3433	257	16	debt	debt	NOUN
fsr-3433	257	17	arrangement	arrangement	NOUN
fsr-3433	257	18	in	in	ADP
fsr-3433	257	19	australia	australia	PROPN
fsr-3433	257	20	.	.	PUNCT
fsr-3433	258	1	in	in	ADP
fsr-3433	258	2	our	our	PRON
fsr-3433	258	3	analysis	analysis	NOUN
fsr-3433	258	4	,	,	PUNCT
fsr-3433	258	5	we	we	PRON
fsr-3433	258	6	control	control	VERB
fsr-3433	258	7	for	for	ADP
fsr-3433	258	8	demographic	demographic	ADJ
fsr-3433	258	9	factors	factor	NOUN
fsr-3433	258	10	to	to	PART
fsr-3433	258	11	analyze	analyze	VERB
fsr-3433	258	12	if	if	SCONJ
fsr-3433	258	13	the	the	DET
fsr-3433	258	14	association	association	NOUN
fsr-3433	258	15	between	between	ADP
fsr-3433	258	16	the	the	DET
fsr-3433	258	17	main	main	ADJ
fsr-3433	258	18	variables	variable	NOUN
fsr-3433	258	19	of	of	ADP
fsr-3433	258	20	interest	interest	NOUN
fsr-3433	258	21	remains	remain	VERB
fsr-3433	258	22	the	the	DET
fsr-3433	258	23	same	same	ADJ
fsr-3433	258	24	.	.	PUNCT
fsr-3433	259	1	specifically	specifically	ADV
fsr-3433	259	2	,	,	PUNCT
fsr-3433	259	3	we	we	PRON
fsr-3433	259	4	include	include	VERB
fsr-3433	259	5	age	age	NOUN
fsr-3433	259	6	,	,	PUNCT
fsr-3433	259	7	gender	gender	NOUN
fsr-3433	259	8	,	,	PUNCT
fsr-3433	259	9	marital	marital	ADJ
fsr-3433	259	10	status	status	NOUN
fsr-3433	259	11	,	,	PUNCT
fsr-3433	259	12	employment	employment	NOUN
fsr-3433	259	13	status	status	NOUN
fsr-3433	259	14	,	,	PUNCT
fsr-3433	259	15	and	and	CCONJ
fsr-3433	259	16	educational	educational	ADJ
fsr-3433	259	17	status	status	NOUN
fsr-3433	259	18	.	.	PUNCT
fsr-3433	260	1	gender	gender	NOUN
fsr-3433	260	2	,	,	PUNCT
fsr-3433	260	3	marital	marital	ADJ
fsr-3433	260	4	status	status	NOUN
fsr-3433	260	5	,	,	PUNCT
fsr-3433	260	6	employment	employment	NOUN
fsr-3433	260	7	status	status	NOUN
fsr-3433	260	8	,	,	PUNCT
fsr-3433	260	9	and	and	CCONJ
fsr-3433	260	10	educational	educational	ADJ
fsr-3433	260	11	status	status	NOUN
fsr-3433	260	12	are	be	AUX
fsr-3433	260	13	included	include	VERB
fsr-3433	260	14	as	as	ADP
fsr-3433	260	15	dummy	dummy	ADJ
fsr-3433	260	16	variables	variable	NOUN
fsr-3433	260	17	having	have	VERB
fsr-3433	260	18	two	two	NUM
fsr-3433	260	19	categories	category	NOUN
fsr-3433	260	20	each	each	PRON
fsr-3433	260	21	as	as	ADP
fsr-3433	260	22	males	male	NOUN
fsr-3433	260	23	and	and	CCONJ
fsr-3433	260	24	females	female	NOUN
fsr-3433	260	25	,	,	PUNCT
fsr-3433	260	26	those	those	PRON
fsr-3433	260	27	who	who	PRON
fsr-3433	260	28	are	be	AUX
fsr-3433	260	29	currently	currently	ADV
fsr-3433	260	30	in	in	ADP
fsr-3433	260	31	a	a	DET
fsr-3433	260	32	registered	register	VERB
fsr-3433	260	33	marriage	marriage	NOUN
fsr-3433	260	34	and	and	CCONJ
fsr-3433	260	35	those	those	PRON
fsr-3433	260	36	who	who	PRON
fsr-3433	260	37	are	be	AUX
fsr-3433	260	38	not	not	PART
fsr-3433	260	39	in	in	ADP
fsr-3433	260	40	a	a	DET
fsr-3433	260	41	registered	register	VERB
fsr-3433	260	42	marriage	marriage	NOUN
fsr-3433	260	43	,	,	PUNCT
fsr-3433	260	44	those	those	PRON
fsr-3433	260	45	who	who	PRON
fsr-3433	260	46	are	be	AUX
fsr-3433	260	47	full	full	ADJ
fsr-3433	260	48	time	time	NOUN
fsr-3433	260	49	or	or	CCONJ
fsr-3433	260	50	part	part	NOUN
fsr-3433	260	51	time	time	NOUN
fsr-3433	260	52	employed	employ	VERB
fsr-3433	260	53	and	and	CCONJ
fsr-3433	260	54	those	those	PRON
fsr-3433	260	55	who	who	PRON
fsr-3433	260	56	are	be	AUX
fsr-3433	260	57	not	not	PART
fsr-3433	260	58	working	work	VERB
fsr-3433	260	59	,	,	PUNCT
fsr-3433	260	60	and	and	CCONJ
fsr-3433	260	61	those	those	PRON
fsr-3433	260	62	who	who	PRON
fsr-3433	260	63	have	have	AUX
fsr-3433	260	64	earned	earn	VERB
fsr-3433	260	65	bachelor	bachelor	NOUN
fsr-3433	260	66	/	/	SYM
fsr-3433	260	67	graduate	graduate	NOUN
fsr-3433	260	68	diploma	diploma	NOUN
fsr-3433	260	69	/	/	SYM
fsr-3433	260	70	postgraduate	postgraduate	NOUN
fsr-3433	260	71	degree	degree	NOUN
fsr-3433	260	72	and	and	CCONJ
fsr-3433	260	73	those	those	PRON
fsr-3433	260	74	who	who	PRON
fsr-3433	260	75	have	have	AUX
fsr-3433	260	76	earned	earn	VERB
fsr-3433	260	77	year	year	NOUN
fsr-3433	260	78	11	11	NUM
fsr-3433	260	79	or	or	CCONJ
fsr-3433	260	80	below	below	ADP
fsr-3433	260	81	/	/	SYM
fsr-3433	260	82	year	year	NOUN
fsr-3433	260	83	12	12	NUM
fsr-3433	260	84	/	/	SYM
fsr-3433	260	85	certificate	certificate	NOUN
fsr-3433	260	86	iii	iii	NUM
fsr-3433	260	87	or	or	CCONJ
fsr-3433	260	88	iv	iv	ADP
fsr-3433	260	89	/	/	SYM
fsr-3433	260	90	advanced	advanced	ADJ
fsr-3433	260	91	diploma	diploma	NOUN
fsr-3433	260	92	degree	degree	NOUN
fsr-3433	260	93	,	,	PUNCT
fsr-3433	260	94	respectively	respectively	ADV
fsr-3433	260	95	.	.	PUNCT
fsr-3433	261	1	in	in	ADP
fsr-3433	261	2	our	our	PRON
fsr-3433	261	3	analyses	analysis	NOUN
fsr-3433	261	4	,	,	PUNCT
fsr-3433	261	5	we	we	PRON
fsr-3433	261	6	include	include	VERB
fsr-3433	261	7	age	age	NOUN
fsr-3433	261	8	as	as	ADP
fsr-3433	261	9	a	a	DET
fsr-3433	261	10	continuous	continuous	ADJ
fsr-3433	261	11	variable	variable	NOUN
fsr-3433	261	12	.	.	PUNCT
fsr-3433	262	1	in	in	ADP
fsr-3433	262	2	addition	addition	NOUN
fsr-3433	262	3	,	,	PUNCT
fsr-3433	262	4	we	we	PRON
fsr-3433	262	5	include	include	VERB
fsr-3433	262	6	the	the	DET
fsr-3433	262	7	age	age	NOUN
fsr-3433	262	8	-	-	PUNCT
fsr-3433	262	9	squared	square	VERB
fsr-3433	262	10	variable	variable	NOUN
fsr-3433	262	11	to	to	PART
fsr-3433	262	12	examine	examine	VERB
fsr-3433	262	13	the	the	DET
fsr-3433	262	14	quadratic	quadratic	ADJ
fsr-3433	262	15	relationship	relationship	NOUN
fsr-3433	262	16	of	of	ADP
fsr-3433	262	17	age	age	NOUN
fsr-3433	262	18	to	to	ADP
fsr-3433	262	19	credit	credit	NOUN
fsr-3433	262	20	card	card	NOUN
fsr-3433	262	21	debt	debt	NOUN
fsr-3433	262	22	-	-	PUNCT
fsr-3433	262	23	taking	take	VERB
fsr-3433	262	24	behavior	behavior	NOUN
fsr-3433	262	25	.	.	PUNCT
fsr-3433	263	1	finally	finally	ADV
fsr-3433	263	2	,	,	PUNCT
fsr-3433	263	3	as	as	SCONJ
fsr-3433	263	4	each	each	DET
fsr-3433	263	5	variable	variable	NOUN
fsr-3433	263	6	consists	consist	VERB
fsr-3433	263	7	of	of	ADP
fsr-3433	263	8	some	some	DET
fsr-3433	263	9	missing	miss	VERB
fsr-3433	263	10	respondents	respondent	NOUN
fsr-3433	263	11	,	,	PUNCT
fsr-3433	263	12	we	we	PRON
fsr-3433	263	13	removed	remove	VERB
fsr-3433	263	14	all	all	DET
fsr-3433	263	15	the	the	DET
fsr-3433	263	16	missing	miss	VERB
fsr-3433	263	17	respondents	respondent	NOUN
fsr-3433	263	18	from	from	ADP
fsr-3433	263	19	the	the	DET
fsr-3433	263	20	data	datum	NOUN
fsr-3433	263	21	and	and	CCONJ
fsr-3433	263	22	created	create	VERB
fsr-3433	263	23	a	a	DET
fsr-3433	263	24	cleaned	clean	VERB
fsr-3433	263	25	and	and	CCONJ
fsr-3433	263	26	filtered	filter	VERB
fsr-3433	263	27	dataset	dataset	NOUN
fsr-3433	263	28	where	where	SCONJ
fsr-3433	263	29	we	we	PRON
fsr-3433	263	30	included	include	VERB
fsr-3433	263	31	only	only	ADV
fsr-3433	263	32	those	those	DET
fsr-3433	263	33	respondents	respondent	NOUN
fsr-3433	263	34	who	who	PRON
fsr-3433	263	35	responded	respond	VERB
fsr-3433	263	36	to	to	ADP
fsr-3433	263	37	each	each	PRON
fsr-3433	263	38	of	of	ADP
fsr-3433	263	39	our	our	PRON
fsr-3433	263	40	interested	interested	ADJ
fsr-3433	263	41	variables	variable	NOUN
fsr-3433	263	42	.	.	PUNCT
fsr-3433	264	1	the	the	DET
fsr-3433	264	2	variable	variable	NOUN
fsr-3433	264	3	with	with	ADP
fsr-3433	264	4	the	the	DET
fsr-3433	264	5	most	most	ADV
fsr-3433	264	6	missing	missing	ADJ
fsr-3433	264	7	responses	response	NOUN
fsr-3433	264	8	is	be	AUX
fsr-3433	264	9	credit	credit	NOUN
fsr-3433	264	10	card	card	NOUN
fsr-3433	264	11	debt	debt	NOUN
fsr-3433	264	12	-	-	PUNCT
fsr-3433	264	13	taking	take	VERB
fsr-3433	264	14	behavior	behavior	NOUN
fsr-3433	264	15	.	.	PUNCT
fsr-3433	265	1	in	in	ADP
fsr-3433	265	2	wave	wave	NOUN
fsr-3433	265	3	16	16	NUM
fsr-3433	265	4	,	,	PUNCT
fsr-3433	265	5	this	this	DET
fsr-3433	265	6	variable	variable	NOUN
fsr-3433	265	7	had	have	VERB
fsr-3433	265	8	8,136	8,136	NUM
fsr-3433	265	9	missing	miss	VERB
fsr-3433	265	10	respondents	respondent	NOUN
fsr-3433	265	11	(	(	PUNCT
fsr-3433	265	12	refused	refuse	VERB
fsr-3433	265	13	/	/	PUNCT
fsr-3433	265	14	not	not	PART
fsr-3433	265	15	stated	state	VERB
fsr-3433	265	16	/	/	SYM
fsr-3433	265	17	don’t	don’t	NUM
fsr-3433	265	18	know	know	VERB
fsr-3433	265	19	/	/	SYM
fsr-3433	265	20	not	not	PART
fsr-3433	265	21	asked	ask	VERB
fsr-3433	265	22	)	)	PUNCT
fsr-3433	265	23	out	out	ADP
fsr-3433	265	24	of	of	ADP
fsr-3433	265	25	17,694	17,694	NUM
fsr-3433	265	26	total	total	ADJ
fsr-3433	265	27	respondents	respondent	NOUN
fsr-3433	265	28	.	.	PUNCT
fsr-3433	266	1	after	after	ADP
fsr-3433	266	2	omitting	omit	VERB
fsr-3433	266	3	missing	missing	ADJ
fsr-3433	266	4	responses	response	NOUN
fsr-3433	266	5	from	from	ADP
fsr-3433	266	6	other	other	ADJ
fsr-3433	266	7	variables	variable	NOUN
fsr-3433	266	8	,	,	PUNCT
fsr-3433	266	9	6,661	6,661	NUM
fsr-3433	266	10	respondents	respondent	NOUN
fsr-3433	266	11	remained	remain	VERB
fsr-3433	266	12	out	out	ADP
fsr-3433	266	13	of	of	ADP
fsr-3433	266	14	a	a	DET
fsr-3433	266	15	total	total	NOUN
fsr-3433	266	16	of	of	ADP
fsr-3433	266	17	17,694	17,694	NUM
fsr-3433	266	18	.	.	PUNCT
fsr-3433	267	1	the	the	DET
fsr-3433	267	2	sample	sample	NOUN
fsr-3433	267	3	of	of	ADP
fsr-3433	267	4	6,661	6,661	NUM
fsr-3433	267	5	individuals	individual	NOUN
fsr-3433	267	6	consists	consist	VERB
fsr-3433	267	7	of	of	ADP
fsr-3433	267	8	51.6	51.6	NUM
fsr-3433	267	9	%	%	NOUN
fsr-3433	267	10	females	female	NOUN
fsr-3433	267	11	,	,	PUNCT
fsr-3433	267	12	60.3	60.3	NUM
fsr-3433	267	13	%	%	NOUN
fsr-3433	267	14	married	marry	VERB
fsr-3433	267	15	,	,	PUNCT
fsr-3433	267	16	and	and	CCONJ
fsr-3433	267	17	89.9	89.9	NUM
fsr-3433	267	18	%	%	NOUN
fsr-3433	267	19	are	be	AUX
fsr-3433	267	20	employed	employ	VERB
fsr-3433	267	21	full	full	ADJ
fsr-3433	267	22	time	time	NOUN
fsr-3433	267	23	or	or	CCONJ
fsr-3433	267	24	part	part	NOUN
fsr-3433	267	25	time	time	NOUN
fsr-3433	267	26	.	.	PUNCT
fsr-3433	268	1	moreover	moreover	ADV
fsr-3433	268	2	,	,	PUNCT
fsr-3433	268	3	40	40	NUM
fsr-3433	268	4	%	%	NOUN
fsr-3433	268	5	are	be	AUX
fsr-3433	268	6	identified	identify	VERB
fsr-3433	268	7	as	as	ADP
fsr-3433	268	8	having	having	AUX
fsr-3433	268	9	earned	earn	VERB
fsr-3433	268	10	bachelor	bachelor	NOUN
fsr-3433	268	11	/	/	SYM
fsr-3433	268	12	graduate	graduate	NOUN
fsr-3433	268	13	diploma	diploma	NOUN
fsr-3433	268	14	/	/	SYM
fsr-3433	268	15	postgraduate	postgraduate	NOUN
fsr-3433	268	16	degree	degree	NOUN
fsr-3433	268	17	,	,	PUNCT
fsr-3433	268	18	while	while	SCONJ
fsr-3433	268	19	60	60	NUM
fsr-3433	268	20	%	%	NOUN
fsr-3433	268	21	are	be	AUX
fsr-3433	268	22	identified	identify	VERB
fsr-3433	268	23	as	as	ADP
fsr-3433	268	24	having	having	AUX
fsr-3433	268	25	earned	earn	VERB
fsr-3433	268	26	year	year	NOUN
fsr-3433	268	27	11	11	NUM
fsr-3433	268	28	or	or	CCONJ
fsr-3433	268	29	below	below	ADP
fsr-3433	268	30	/	/	SYM
fsr-3433	268	31	year	year	NOUN
fsr-3433	268	32	12	12	NUM
fsr-3433	268	33	/	/	SYM
fsr-3433	268	34	certificate	certificate	NOUN
fsr-3433	268	35	iii	iii	NUM
fsr-3433	268	36	or	or	CCONJ
fsr-3433	268	37	iv	iv	ADP
fsr-3433	268	38	/	/	SYM
fsr-3433	268	39	advanced	advanced	ADJ
fsr-3433	268	40	diploma	diploma	NOUN
fsr-3433	268	41	degree	degree	NOUN
fsr-3433	268	42	.	.	PUNCT
fsr-3433	269	1	furthermore	furthermore	ADV
fsr-3433	269	2	,	,	PUNCT
fsr-3433	269	3	the	the	DET
fsr-3433	269	4	minimum	minimum	ADJ
fsr-3433	269	5	age	age	NOUN
fsr-3433	269	6	of	of	ADP
fsr-3433	269	7	respondents	respondent	NOUN
fsr-3433	269	8	is	be	AUX
fsr-3433	269	9	15	15	NUM
fsr-3433	269	10	and	and	CCONJ
fsr-3433	269	11	the	the	DET
fsr-3433	269	12	maximum	maximum	ADJ
fsr-3433	269	13	age	age	NOUN
fsr-3433	269	14	is	be	AUX
fsr-3433	269	15	92	92	NUM
fsr-3433	269	16	with	with	ADP
fsr-3433	269	17	a	a	DET
fsr-3433	269	18	mean	mean	ADJ
fsr-3433	269	19	value	value	NOUN
fsr-3433	269	20	of	of	ADP
fsr-3433	269	21	45	45	NUM
fsr-3433	269	22	.	.	PUNCT
fsr-3433	270	1	the	the	DET
fsr-3433	270	2	average	average	ADJ
fsr-3433	270	3	income	income	NOUN
fsr-3433	270	4	of	of	ADP
fsr-3433	270	5	sample	sample	NOUN
fsr-3433	270	6	individuals	individual	NOUN
fsr-3433	270	7	is	be	AUX
fsr-3433	270	8	$	$	SYM
fsr-3433	270	9	66,092	66,092	NUM
fsr-3433	270	10	.	.	PUNCT
fsr-3433	271	1	table	table	NOUN
fsr-3433	271	2	3	3	NUM
fsr-3433	271	3	percentage	percentage	NOUN
fsr-3433	271	4	of	of	ADP
fsr-3433	271	5	respondents	respondent	NOUN
fsr-3433	271	6	in	in	ADP
fsr-3433	271	7	each	each	DET
fsr-3433	271	8	level	level	NOUN
fsr-3433	271	9	of	of	ADP
fsr-3433	271	10	financial	financial	ADJ
fsr-3433	271	11	literacy	literacy	NOUN
fsr-3433	271	12	(	(	PUNCT
fsr-3433	271	13	wave	wave	NOUN
fsr-3433	271	14	16	16	NUM
fsr-3433	271	15	of	of	ADP
fsr-3433	271	16	hilda	hilda	PROPN
fsr-3433	271	17	)	)	PUNCT
fsr-3433	271	18	financial	financial	ADJ
fsr-3433	271	19	literacy	literacy	NOUN
fsr-3433	271	20	levels	level	NOUN
fsr-3433	271	21	frequencya	frequencya	ADP
fsr-3433	271	22	percent	percent	NOUN
fsr-3433	272	1	no	no	DET
fsr-3433	272	2	correct	correct	ADJ
fsr-3433	272	3	answer	answer	NOUN
fsr-3433	272	4	324	324	NUM
fsr-3433	272	5	1.91	1.91	NUM
fsr-3433	272	6	one	one	NUM
fsr-3433	272	7	correct	correct	ADJ
fsr-3433	272	8	answer	answer	NOUN
fsr-3433	272	9	577	577	NUM
fsr-3433	272	10	3.40	3.40	NUM
fsr-3433	272	11	two	two	NUM
fsr-3433	272	12	correct	correct	ADJ
fsr-3433	272	13	answers	answer	NOUN
fsr-3433	272	14	1,283	1,283	NUM
fsr-3433	272	15	7.55	7.55	NUM
fsr-3433	272	16	three	three	NUM
fsr-3433	272	17	correct	correct	ADJ
fsr-3433	272	18	answers	answer	NOUN
fsr-3433	272	19	2,631	2,631	NUM
fsr-3433	272	20	15.48	15.48	NUM
fsr-3433	272	21	four	four	NUM
fsr-3433	272	22	correct	correct	ADJ
fsr-3433	272	23	answers	answer	NOUN
fsr-3433	272	24	4,692	4,692	NUM
fsr-3433	272	25	27.61	27.61	NUM
fsr-3433	272	26	five	five	NUM
fsr-3433	272	27	correct	correct	ADJ
fsr-3433	272	28	answers	answer	NOUN
fsr-3433	272	29	(	(	PUNCT
fsr-3433	272	30	high	high	ADJ
fsr-3433	272	31	financial	financial	ADJ
fsr-3433	272	32	literacy	literacy	NOUN
fsr-3433	272	33	)	)	PUNCT
fsr-3433	272	34	7,487	7,487	NUM
fsr-3433	272	35	44.06	44.06	NUM
fsr-3433	272	36	total	total	NOUN
fsr-3433	272	37	16,994	16,994	NUM
fsr-3433	272	38	100.0	100.0	NUM
fsr-3433	272	39	a	a	DET
fsr-3433	272	40	missing	miss	VERB
fsr-3433	272	41	values	value	NOUN
fsr-3433	272	42	are	be	AUX
fsr-3433	272	43	excluded	exclude	VERB
fsr-3433	272	44	.	.	PUNCT
fsr-3433	273	1	282	282	NUM
fsr-3433	273	2	m.	m.	NOUN
fsr-3433	273	3	s.	s.	PROPN
fsr-3433	273	4	tahir	tahir	PROPN
fsr-3433	273	5	et	et	PROPN
fsr-3433	273	6	al	al	PROPN
fsr-3433	273	7	.	.	PUNCT
fsr-3433	273	8	/	/	SYM
fsr-3433	273	9	financial	financial	ADJ
fsr-3433	273	10	services	service	NOUN
fsr-3433	273	11	review	review	VERB
fsr-3433	273	12	28	28	NUM
fsr-3433	273	13	(	(	PUNCT
fsr-3433	273	14	2020	2020	NUM
fsr-3433	273	15	)	)	PUNCT
fsr-3433	274	1	273–301	273–301	NUM
fsr-3433	274	2	4	4	NUM
fsr-3433	274	3	.	.	PUNCT
fsr-3433	274	4	methodology	methodology	NOUN
fsr-3433	274	5	the	the	DET
fsr-3433	274	6	binary	binary	ADJ
fsr-3433	274	7	nature	nature	NOUN
fsr-3433	274	8	of	of	ADP
fsr-3433	274	9	the	the	DET
fsr-3433	274	10	dependent	dependent	ADJ
fsr-3433	274	11	variable	variable	NOUN
fsr-3433	274	12	allows	allow	VERB
fsr-3433	274	13	using	use	VERB
fsr-3433	274	14	a	a	DET
fsr-3433	274	15	binary	binary	PROPN
fsr-3433	274	16	logit	logit	PROPN
fsr-3433	274	17	model	model	NOUN
fsr-3433	274	18	to	to	PART
fsr-3433	274	19	test	test	VERB
fsr-3433	274	20	the	the	DET
fsr-3433	274	21	relationship	relationship	NOUN
fsr-3433	274	22	between	between	ADP
fsr-3433	274	23	the	the	DET
fsr-3433	274	24	variables	variable	NOUN
fsr-3433	274	25	(	(	PUNCT
fsr-3433	274	26	kennedy	kennedy	PROPN
fsr-3433	274	27	,	,	PUNCT
fsr-3433	274	28	2003	2003	NUM
fsr-3433	274	29	;	;	PUNCT
fsr-3433	274	30	long	long	PROPN
fsr-3433	274	31	&	&	CCONJ
fsr-3433	274	32	freese	freese	PROPN
fsr-3433	274	33	,	,	PUNCT
fsr-3433	274	34	2006	2006	NUM
fsr-3433	274	35	)	)	PUNCT
fsr-3433	274	36	.	.	PUNCT
fsr-3433	275	1	appendix	appendix	NOUN
fsr-3433	275	2	1	1	NUM
fsr-3433	275	3	shows	show	VERB
fsr-3433	275	4	the	the	DET
fsr-3433	275	5	relevant	relevant	ADJ
fsr-3433	275	6	econometrics	econometrics	NOUN
fsr-3433	275	7	equations	equation	NOUN
fsr-3433	275	8	of	of	ADP
fsr-3433	275	9	a	a	DET
fsr-3433	275	10	binary	binary	PROPN
fsr-3433	275	11	logit	logit	PROPN
fsr-3433	275	12	model	model	NOUN
fsr-3433	275	13	.	.	PUNCT
fsr-3433	276	1	the	the	DET
fsr-3433	276	2	results	result	NOUN
fsr-3433	276	3	of	of	ADP
fsr-3433	276	4	the	the	DET
fsr-3433	276	5	binary	binary	PROPN
fsr-3433	276	6	logit	logit	PROPN
fsr-3433	276	7	model	model	NOUN
fsr-3433	276	8	can	can	AUX
fsr-3433	276	9	only	only	ADV
fsr-3433	276	10	indicate	indicate	VERB
fsr-3433	276	11	a	a	DET
fsr-3433	276	12	positive	positive	ADJ
fsr-3433	276	13	or	or	CCONJ
fsr-3433	276	14	negative	negative	ADJ
fsr-3433	276	15	relationship	relationship	NOUN
fsr-3433	276	16	between	between	ADP
fsr-3433	276	17	the	the	DET
fsr-3433	276	18	variables	variable	NOUN
fsr-3433	276	19	as	as	SCONJ
fsr-3433	276	20	we	we	PRON
fsr-3433	276	21	can	can	AUX
fsr-3433	276	22	not	not	PART
fsr-3433	276	23	interpret	interpret	VERB
fsr-3433	276	24	the	the	DET
fsr-3433	276	25	estimated	estimate	VERB
fsr-3433	276	26	coefficients	coefficient	NOUN
fsr-3433	276	27	.	.	PUNCT
fsr-3433	277	1	to	to	PART
fsr-3433	277	2	interpret	interpret	VERB
fsr-3433	277	3	the	the	DET
fsr-3433	277	4	magnitude	magnitude	NOUN
fsr-3433	277	5	of	of	ADP
fsr-3433	277	6	the	the	DET
fsr-3433	277	7	relationship	relationship	NOUN
fsr-3433	277	8	,	,	PUNCT
fsr-3433	277	9	we	we	PRON
fsr-3433	277	10	often	often	ADV
fsr-3433	277	11	calculate	calculate	VERB
fsr-3433	277	12	the	the	DET
fsr-3433	277	13	odds	odd	NOUN
fsr-3433	277	14	ratio	ratio	NOUN
fsr-3433	277	15	.	.	PUNCT
fsr-3433	278	1	an	an	DET
fsr-3433	278	2	odds	odd	NOUN
fsr-3433	278	3	ratio	ratio	NOUN
fsr-3433	278	4	can	can	AUX
fsr-3433	278	5	be	be	AUX
fsr-3433	278	6	interpreted	interpret	VERB
fsr-3433	278	7	as	as	ADP
fsr-3433	278	8	an	an	DET
fsr-3433	278	9	expected	expect	VERB
fsr-3433	278	10	change	change	NOUN
fsr-3433	278	11	in	in	ADP
fsr-3433	278	12	the	the	DET
fsr-3433	278	13	odds	odd	NOUN
fsr-3433	278	14	of	of	ADP
fsr-3433	278	15	the	the	DET
fsr-3433	278	16	dependent	dependent	ADJ
fsr-3433	278	17	variable	variable	NOUN
fsr-3433	278	18	due	due	ADP
fsr-3433	278	19	to	to	ADP
fsr-3433	278	20	a	a	DET
fsr-3433	278	21	1	1	NUM
fsr-3433	278	22	-	-	PUNCT
fsr-3433	278	23	unit	unit	NOUN
fsr-3433	278	24	change	change	NOUN
fsr-3433	278	25	in	in	ADP
fsr-3433	278	26	the	the	DET
fsr-3433	278	27	independent	independent	ADJ
fsr-3433	278	28	variable	variable	NOUN
fsr-3433	278	29	.	.	PUNCT
fsr-3433	279	1	however	however	ADV
fsr-3433	279	2	,	,	PUNCT
fsr-3433	279	3	we	we	PRON
fsr-3433	279	4	can	can	AUX
fsr-3433	279	5	also	also	ADV
fsr-3433	279	6	calculate	calculate	VERB
fsr-3433	279	7	the	the	DET
fsr-3433	279	8	standardized	standardized	ADJ
fsr-3433	279	9	odds	odd	NOUN
fsr-3433	279	10	ratio	ratio	NOUN
fsr-3433	279	11	of	of	ADP
fsr-3433	279	12	logistic	logistic	ADJ
fsr-3433	279	13	regression	regression	NOUN
fsr-3433	279	14	that	that	PRON
fsr-3433	279	15	is	be	AUX
fsr-3433	279	16	relatively	relatively	ADV
fsr-3433	279	17	easier	easy	ADJ
fsr-3433	279	18	to	to	PART
fsr-3433	279	19	interpret	interpret	VERB
fsr-3433	279	20	as	as	ADP
fsr-3433	279	21	compared	compare	VERB
fsr-3433	279	22	with	with	ADP
fsr-3433	279	23	the	the	DET
fsr-3433	279	24	odds	odd	NOUN
fsr-3433	279	25	ratio	ratio	NOUN
fsr-3433	279	26	.	.	PUNCT
fsr-3433	280	1	a	a	DET
fsr-3433	280	2	standardized	standardized	ADJ
fsr-3433	280	3	odds	odd	NOUN
fsr-3433	280	4	ratio	ratio	NOUN
fsr-3433	280	5	states	state	NOUN
fsr-3433	280	6	the	the	DET
fsr-3433	280	7	odds	odd	NOUN
fsr-3433	280	8	ratio	ratio	NOUN
fsr-3433	280	9	from	from	ADP
fsr-3433	280	10	a	a	DET
fsr-3433	280	11	one	one	NUM
fsr-3433	280	12	standard	standard	ADJ
fsr-3433	280	13	deviation	deviation	NOUN
fsr-3433	280	14	change	change	NOUN
fsr-3433	280	15	in	in	ADP
fsr-3433	280	16	the	the	DET
fsr-3433	280	17	independent	independent	ADJ
fsr-3433	280	18	variable	variable	NOUN
fsr-3433	280	19	.	.	PUNCT
fsr-3433	281	1	in	in	ADP
fsr-3433	281	2	addition	addition	NOUN
fsr-3433	281	3	to	to	ADP
fsr-3433	281	4	calculating	calculate	VERB
fsr-3433	281	5	the	the	DET
fsr-3433	281	6	odds	odd	NOUN
fsr-3433	281	7	ratio	ratio	NOUN
fsr-3433	281	8	and	and	CCONJ
fsr-3433	281	9	standardized	standardized	ADJ
fsr-3433	281	10	odds	odd	NOUN
fsr-3433	281	11	ratio	ratio	NOUN
fsr-3433	281	12	,	,	PUNCT
fsr-3433	281	13	we	we	PRON
fsr-3433	281	14	also	also	ADV
fsr-3433	281	15	calculate	calculate	VERB
fsr-3433	281	16	ames	ame	NOUN
fsr-3433	281	17	.	.	PUNCT
fsr-3433	282	1	an	an	DET
fsr-3433	282	2	advantage	advantage	NOUN
fsr-3433	282	3	of	of	ADP
fsr-3433	282	4	calculating	calculate	VERB
fsr-3433	282	5	the	the	DET
fsr-3433	282	6	ames	ame	NOUN
fsr-3433	282	7	is	be	AUX
fsr-3433	282	8	that	that	SCONJ
fsr-3433	282	9	the	the	DET
fsr-3433	282	10	values	value	NOUN
fsr-3433	282	11	of	of	ADP
fsr-3433	282	12	the	the	DET
fsr-3433	282	13	ames	ame	NOUN
fsr-3433	282	14	can	can	AUX
fsr-3433	282	15	be	be	AUX
fsr-3433	282	16	interpreted	interpret	VERB
fsr-3433	282	17	to	to	PART
fsr-3433	282	18	compare	compare	VERB
fsr-3433	282	19	the	the	DET
fsr-3433	282	20	relative	relative	ADJ
fsr-3433	282	21	strength	strength	NOUN
fsr-3433	282	22	of	of	ADP
fsr-3433	282	23	each	each	DET
fsr-3433	282	24	variable	variable	NOUN
fsr-3433	282	25	(	(	PUNCT
fsr-3433	282	26	mussida	mussida	PROPN
fsr-3433	282	27	&	&	CCONJ
fsr-3433	282	28	sciulli	sciulli	PROPN
fsr-3433	282	29	,	,	PUNCT
fsr-3433	282	30	2019	2019	NUM
fsr-3433	282	31	;	;	PUNCT
fsr-3433	282	32	stewart	stewart	PROPN
fsr-3433	282	33	,	,	PUNCT
fsr-3433	282	34	2007	2007	NUM
fsr-3433	282	35	;	;	PUNCT
fsr-3433	282	36	west	west	PROPN
fsr-3433	282	37	&	&	CCONJ
fsr-3433	282	38	worthington	worthington	PROPN
fsr-3433	282	39	,	,	PUNCT
fsr-3433	282	40	2014	2014	NUM
fsr-3433	282	41	)	)	PUNCT
fsr-3433	282	42	.	.	PUNCT
fsr-3433	283	1	therefore	therefore	ADV
fsr-3433	283	2	,	,	PUNCT
fsr-3433	283	3	the	the	DET
fsr-3433	283	4	computation	computation	NOUN
fsr-3433	283	5	of	of	ADP
fsr-3433	283	6	the	the	DET
fsr-3433	283	7	ames	ame	NOUN
fsr-3433	283	8	aligns	align	VERB
fsr-3433	283	9	with	with	ADP
fsr-3433	283	10	the	the	DET
fsr-3433	283	11	motive	motive	NOUN
fsr-3433	283	12	of	of	ADP
fsr-3433	283	13	this	this	DET
fsr-3433	283	14	article	article	NOUN
fsr-3433	283	15	,	,	PUNCT
fsr-3433	283	16	that	that	ADV
fsr-3433	283	17	is	is	ADV
fsr-3433	283	18	,	,	PUNCT
fsr-3433	283	19	to	to	PART
fsr-3433	283	20	test	test	VERB
fsr-3433	283	21	the	the	DET
fsr-3433	283	22	relationship	relationship	NOUN
fsr-3433	283	23	of	of	ADP
fsr-3433	283	24	financial	financial	ADJ
fsr-3433	283	25	literacy	literacy	NOUN
fsr-3433	283	26	,	,	PUNCT
fsr-3433	283	27	attitude	attitude	NOUN
fsr-3433	283	28	towards	towards	ADP
fsr-3433	283	29	balancing	balance	VERB
fsr-3433	283	30	spending	spending	NOUN
fsr-3433	283	31	and	and	CCONJ
fsr-3433	283	32	savings	saving	NOUN
fsr-3433	283	33	,	,	PUNCT
fsr-3433	283	34	and	and	CCONJ
fsr-3433	283	35	financial	financial	ADJ
fsr-3433	283	36	satisfaction	satisfaction	NOUN
fsr-3433	283	37	with	with	ADP
fsr-3433	283	38	credit	credit	NOUN
fsr-3433	283	39	card	card	NOUN
fsr-3433	283	40	debt	debt	NOUN
fsr-3433	283	41	-	-	PUNCT
fsr-3433	283	42	taking	take	VERB
fsr-3433	283	43	behavior	behavior	NOUN
fsr-3433	283	44	,	,	PUNCT
fsr-3433	283	45	and	and	CCONJ
fsr-3433	283	46	to	to	PART
fsr-3433	283	47	explain	explain	VERB
fsr-3433	283	48	the	the	DET
fsr-3433	283	49	relative	relative	ADJ
fsr-3433	283	50	strength	strength	NOUN
fsr-3433	283	51	of	of	ADP
fsr-3433	283	52	the	the	DET
fsr-3433	283	53	association	association	NOUN
fsr-3433	283	54	of	of	ADP
fsr-3433	283	55	each	each	DET
fsr-3433	283	56	variable	variable	NOUN
fsr-3433	283	57	.	.	PUNCT
fsr-3433	284	1	we	we	PRON
fsr-3433	284	2	use	use	VERB
fsr-3433	284	3	the	the	DET
fsr-3433	284	4	statistical	statistical	ADJ
fsr-3433	284	5	analysis	analysis	NOUN
fsr-3433	284	6	program	program	NOUN
fsr-3433	284	7	“	"	PUNCT
fsr-3433	284	8	stata	stata	NOUN
fsr-3433	284	9	”	"	PUNCT
fsr-3433	284	10	to	to	PART
fsr-3433	284	11	use	use	VERB
fsr-3433	284	12	a	a	DET
fsr-3433	284	13	binary	binary	PROPN
fsr-3433	284	14	logit	logit	PROPN
fsr-3433	284	15	model	model	NOUN
fsr-3433	284	16	.	.	PUNCT
fsr-3433	285	1	we	we	PRON
fsr-3433	285	2	ran	run	VERB
fsr-3433	285	3	the	the	DET
fsr-3433	285	4	analyses	analysis	NOUN
fsr-3433	285	5	in	in	ADP
fsr-3433	285	6	three	three	NUM
fsr-3433	285	7	phases	phase	NOUN
fsr-3433	285	8	.	.	PUNCT
fsr-3433	286	1	first	first	ADV
fsr-3433	286	2	,	,	PUNCT
fsr-3433	286	3	we	we	PRON
fsr-3433	286	4	only	only	ADV
fsr-3433	286	5	include	include	VERB
fsr-3433	286	6	financial	financial	ADJ
fsr-3433	286	7	literacy	literacy	NOUN
fsr-3433	286	8	in	in	ADP
fsr-3433	286	9	the	the	DET
fsr-3433	286	10	model	model	NOUN
fsr-3433	286	11	.	.	PUNCT
fsr-3433	287	1	second	second	ADJ
fsr-3433	287	2	,	,	PUNCT
fsr-3433	287	3	we	we	PRON
fsr-3433	287	4	add	add	VERB
fsr-3433	287	5	attitude	attitude	NOUN
fsr-3433	287	6	towards	towards	ADP
fsr-3433	287	7	balancing	balance	VERB
fsr-3433	287	8	spending	spending	NOUN
fsr-3433	287	9	and	and	CCONJ
fsr-3433	287	10	savings	saving	NOUN
fsr-3433	287	11	in	in	ADP
fsr-3433	287	12	the	the	DET
fsr-3433	287	13	model	model	NOUN
fsr-3433	287	14	.	.	PUNCT
fsr-3433	288	1	finally	finally	ADV
fsr-3433	288	2	,	,	PUNCT
fsr-3433	288	3	we	we	PRON
fsr-3433	288	4	include	include	VERB
fsr-3433	288	5	financial	financial	ADJ
fsr-3433	288	6	satisfaction	satisfaction	NOUN
fsr-3433	288	7	in	in	ADP
fsr-3433	288	8	the	the	DET
fsr-3433	288	9	model	model	NOUN
fsr-3433	288	10	.	.	PUNCT
fsr-3433	289	1	we	we	PRON
fsr-3433	289	2	also	also	ADV
fsr-3433	289	3	control	control	VERB
fsr-3433	289	4	for	for	ADP
fsr-3433	289	5	demographic	demographic	ADJ
fsr-3433	289	6	factors	factor	NOUN
fsr-3433	289	7	in	in	ADP
fsr-3433	289	8	all	all	DET
fsr-3433	289	9	the	the	DET
fsr-3433	289	10	models	model	NOUN
fsr-3433	289	11	.	.	PUNCT
fsr-3433	290	1	in	in	ADP
fsr-3433	290	2	each	each	PRON
fsr-3433	290	3	of	of	ADP
fsr-3433	290	4	the	the	DET
fsr-3433	290	5	phases	phase	NOUN
fsr-3433	290	6	,	,	PUNCT
fsr-3433	290	7	we	we	PRON
fsr-3433	290	8	run	run	VERB
fsr-3433	290	9	two	two	NUM
fsr-3433	290	10	models	model	NOUN
fsr-3433	290	11	.	.	PUNCT
fsr-3433	291	1	the	the	DET
fsr-3433	291	2	first	first	ADJ
fsr-3433	291	3	model	model	NOUN
fsr-3433	291	4	of	of	ADP
fsr-3433	291	5	each	each	DET
fsr-3433	291	6	phase	phase	NOUN
fsr-3433	291	7	includes	include	VERB
fsr-3433	291	8	financial	financial	ADJ
fsr-3433	291	9	literacy	literacy	NOUN
fsr-3433	291	10	accumulated	accumulate	VERB
fsr-3433	291	11	score	score	NOUN
fsr-3433	291	12	variable	variable	NOUN
fsr-3433	291	13	,	,	PUNCT
fsr-3433	291	14	whereas	whereas	SCONJ
fsr-3433	291	15	the	the	DET
fsr-3433	291	16	second	second	ADJ
fsr-3433	291	17	model	model	NOUN
fsr-3433	291	18	of	of	ADP
fsr-3433	291	19	each	each	DET
fsr-3433	291	20	phase	phase	NOUN
fsr-3433	291	21	includes	include	VERB
fsr-3433	291	22	five	five	NUM
fsr-3433	291	23	financial	financial	ADJ
fsr-3433	291	24	literacy	literacy	NOUN
fsr-3433	291	25	concepts	concept	NOUN
fsr-3433	291	26	as	as	ADP
fsr-3433	291	27	separate	separate	ADJ
fsr-3433	291	28	dummy	dummy	ADJ
fsr-3433	291	29	variables	variable	NOUN
fsr-3433	291	30	.	.	PUNCT
fsr-3433	292	1	this	this	DET
fsr-3433	292	2	activity	activity	NOUN
fsr-3433	292	3	would	would	AUX
fsr-3433	292	4	help	help	VERB
fsr-3433	292	5	us	we	PRON
fsr-3433	292	6	to	to	PART
fsr-3433	292	7	identify	identify	VERB
fsr-3433	292	8	the	the	DET
fsr-3433	292	9	relative	relative	ADJ
fsr-3433	292	10	association	association	NOUN
fsr-3433	292	11	of	of	ADP
fsr-3433	292	12	five	five	NUM
fsr-3433	292	13	financial	financial	ADJ
fsr-3433	292	14	literacy	literacy	NOUN
fsr-3433	292	15	concepts	concept	NOUN
fsr-3433	292	16	with	with	ADP
fsr-3433	292	17	credit	credit	NOUN
fsr-3433	292	18	card	card	NOUN
fsr-3433	292	19	debt	debt	NOUN
fsr-3433	292	20	-	-	PUNCT
fsr-3433	292	21	taking	take	VERB
fsr-3433	292	22	behavior	behavior	NOUN
fsr-3433	292	23	.	.	PUNCT
fsr-3433	293	1	the	the	DET
fsr-3433	293	2	five	five	NUM
fsr-3433	293	3	financial	financial	ADJ
fsr-3433	293	4	literacy	literacy	NOUN
fsr-3433	293	5	concepts	concept	NOUN
fsr-3433	293	6	are	be	AUX
fsr-3433	293	7	simple	simple	ADJ
fsr-3433	293	8	interest	interest	NOUN
fsr-3433	293	9	,	,	PUNCT
fsr-3433	293	10	inflation	inflation	NOUN
fsr-3433	293	11	,	,	PUNCT
fsr-3433	293	12	risk	risk	NOUN
fsr-3433	293	13	and	and	CCONJ
fsr-3433	293	14	return	return	NOUN
fsr-3433	293	15	,	,	PUNCT
fsr-3433	293	16	portfolio	portfolio	NOUN
fsr-3433	293	17	choice	choice	NOUN
fsr-3433	293	18	,	,	PUNCT
fsr-3433	293	19	and	and	CCONJ
fsr-3433	293	20	the	the	DET
fsr-3433	293	21	time	time	NOUN
fsr-3433	293	22	value	value	NOUN
fsr-3433	293	23	of	of	ADP
fsr-3433	293	24	money	money	NOUN
fsr-3433	293	25	.	.	PUNCT
fsr-3433	294	1	there	there	PRON
fsr-3433	294	2	is	be	VERB
fsr-3433	294	3	a	a	DET
fsr-3433	294	4	twofold	twofold	ADJ
fsr-3433	294	5	purpose	purpose	NOUN
fsr-3433	294	6	of	of	ADP
fsr-3433	294	7	running	run	VERB
fsr-3433	294	8	analyses	analysis	NOUN
fsr-3433	294	9	in	in	ADP
fsr-3433	294	10	three	three	NUM
fsr-3433	294	11	phases	phase	NOUN
fsr-3433	294	12	.	.	PUNCT
fsr-3433	295	1	first	first	ADV
fsr-3433	295	2	,	,	PUNCT
fsr-3433	295	3	we	we	PRON
fsr-3433	295	4	analyze	analyze	VERB
fsr-3433	295	5	if	if	SCONJ
fsr-3433	295	6	the	the	DET
fsr-3433	295	7	association	association	NOUN
fsr-3433	295	8	between	between	ADP
fsr-3433	295	9	financial	financial	ADJ
fsr-3433	295	10	literacy	literacy	NOUN
fsr-3433	295	11	and	and	CCONJ
fsr-3433	295	12	credit	credit	NOUN
fsr-3433	295	13	card	card	NOUN
fsr-3433	295	14	debt	debt	NOUN
fsr-3433	295	15	-	-	PUNCT
fsr-3433	295	16	taking	take	VERB
fsr-3433	295	17	behavior	behavior	NOUN
fsr-3433	295	18	changes	change	NOUN
fsr-3433	295	19	over	over	ADP
fsr-3433	295	20	the	the	DET
fsr-3433	295	21	phases	phase	NOUN
fsr-3433	295	22	.	.	PUNCT
fsr-3433	296	1	second	second	ADV
fsr-3433	296	2	,	,	PUNCT
fsr-3433	296	3	we	we	PRON
fsr-3433	296	4	analyze	analyze	VERB
fsr-3433	296	5	the	the	DET
fsr-3433	296	6	relative	relative	ADJ
fsr-3433	296	7	strength	strength	NOUN
fsr-3433	296	8	of	of	ADP
fsr-3433	296	9	each	each	DET
fsr-3433	296	10	variable	variable	NOUN
fsr-3433	296	11	in	in	ADP
fsr-3433	296	12	each	each	DET
fsr-3433	296	13	phase	phase	NOUN
fsr-3433	296	14	.	.	PUNCT
fsr-3433	297	1	5	5	X
fsr-3433	297	2	.	.	X
fsr-3433	297	3	results	result	VERB
fsr-3433	297	4	5.1	5.1	NUM
fsr-3433	297	5	.	.	PUNCT
fsr-3433	298	1	descriptive	descriptive	ADJ
fsr-3433	298	2	statistics	statistic	NOUN
fsr-3433	298	3	the	the	DET
fsr-3433	298	4	following	follow	VERB
fsr-3433	298	5	figures	figure	NOUN
fsr-3433	298	6	show	show	VERB
fsr-3433	298	7	different	different	ADJ
fsr-3433	298	8	types	type	NOUN
fsr-3433	298	9	of	of	ADP
fsr-3433	298	10	descriptive	descriptive	ADJ
fsr-3433	298	11	comparisons	comparison	NOUN
fsr-3433	298	12	between	between	ADP
fsr-3433	298	13	variables	variable	NOUN
fsr-3433	298	14	for	for	ADP
fsr-3433	298	15	the	the	DET
fsr-3433	298	16	filtered	filter	VERB
fsr-3433	298	17	sample	sample	NOUN
fsr-3433	298	18	of	of	ADP
fsr-3433	298	19	6,661	6,661	NUM
fsr-3433	298	20	individuals	individual	NOUN
fsr-3433	298	21	.	.	PUNCT
fsr-3433	299	1	fig	fig	NOUN
fsr-3433	299	2	.	.	PUNCT
fsr-3433	300	1	1	1	NUM
fsr-3433	301	1	below	below	ADP
fsr-3433	301	2	shows	show	VERB
fsr-3433	301	3	the	the	DET
fsr-3433	301	4	distribution	distribution	NOUN
fsr-3433	301	5	of	of	ADP
fsr-3433	301	6	credit	credit	NOUN
fsr-3433	301	7	card	card	NOUN
fsr-3433	301	8	debt	debt	NOUN
fsr-3433	301	9	-	-	PUNCT
fsr-3433	301	10	taking	taking	NOUN
fsr-3433	301	11	among	among	ADP
fsr-3433	301	12	males	male	NOUN
fsr-3433	301	13	and	and	CCONJ
fsr-3433	301	14	females	female	NOUN
fsr-3433	301	15	.	.	PUNCT
fsr-3433	302	1	our	our	PRON
fsr-3433	302	2	data	datum	NOUN
fsr-3433	302	3	contain	contain	VERB
fsr-3433	302	4	28	28	NUM
fsr-3433	302	5	%	%	NOUN
fsr-3433	302	6	of	of	ADP
fsr-3433	302	7	males	male	NOUN
fsr-3433	302	8	and	and	CCONJ
fsr-3433	302	9	around	around	ADV
fsr-3433	302	10	33	33	NUM
fsr-3433	302	11	%	%	NOUN
fsr-3433	302	12	of	of	ADP
fsr-3433	302	13	females	female	NOUN
fsr-3433	302	14	with	with	ADP
fsr-3433	302	15	credit	credit	NOUN
fsr-3433	302	16	card	card	NOUN
fsr-3433	302	17	debt	debt	NOUN
fsr-3433	302	18	-	-	PUNCT
fsr-3433	302	19	taking	taking	NOUN
fsr-3433	302	20	.	.	PUNCT
fsr-3433	303	1	next	next	ADJ
fsr-3433	303	2	,	,	PUNCT
fsr-3433	303	3	fig	fig	NOUN
fsr-3433	303	4	.	.	PUNCT
fsr-3433	303	5	2	2	NUM
fsr-3433	303	6	shows	show	VERB
fsr-3433	303	7	the	the	DET
fsr-3433	303	8	percentage	percentage	NOUN
fsr-3433	303	9	of	of	ADP
fsr-3433	303	10	males	male	NOUN
fsr-3433	303	11	and	and	CCONJ
fsr-3433	303	12	females	female	NOUN
fsr-3433	303	13	who	who	PRON
fsr-3433	303	14	correctly	correctly	ADV
fsr-3433	303	15	answered	answer	VERB
fsr-3433	303	16	each	each	PRON
fsr-3433	303	17	of	of	ADP
fsr-3433	303	18	the	the	DET
fsr-3433	303	19	five	five	NUM
fsr-3433	303	20	financial	financial	ADJ
fsr-3433	303	21	literacy	literacy	NOUN
fsr-3433	303	22	questions	question	NOUN
fsr-3433	303	23	.	.	PUNCT
fsr-3433	304	1	fig	fig	NOUN
fsr-3433	304	2	.	.	PUNCT
fsr-3433	305	1	2	2	NUM
fsr-3433	305	2	identifies	identify	VERB
fsr-3433	305	3	m.	m.	NOUN
fsr-3433	305	4	s.	s.	PROPN
fsr-3433	305	5	tahir	tahir	PROPN
fsr-3433	305	6	et	et	PROPN
fsr-3433	305	7	al	al	PROPN
fsr-3433	305	8	.	.	PUNCT
fsr-3433	305	9	/	/	SYM
fsr-3433	305	10	financial	financial	ADJ
fsr-3433	305	11	services	service	NOUN
fsr-3433	305	12	review	review	VERB
fsr-3433	305	13	28	28	NUM
fsr-3433	305	14	(	(	PUNCT
fsr-3433	305	15	2020	2020	NUM
fsr-3433	305	16	)	)	PUNCT
fsr-3433	306	1	273–301	273–301	NUM
fsr-3433	306	2	283	283	NUM
fsr-3433	306	3	that	that	PRON
fsr-3433	306	4	most	most	ADJ
fsr-3433	306	5	of	of	ADP
fsr-3433	306	6	the	the	DET
fsr-3433	306	7	males	male	NOUN
fsr-3433	306	8	(	(	PUNCT
fsr-3433	306	9	97.89	97.89	NUM
fsr-3433	306	10	%	%	NOUN
fsr-3433	306	11	)	)	PUNCT
fsr-3433	306	12	and	and	CCONJ
fsr-3433	306	13	females	female	NOUN
fsr-3433	306	14	(	(	PUNCT
fsr-3433	306	15	90.21	90.21	NUM
fsr-3433	306	16	%	%	NOUN
fsr-3433	306	17	)	)	PUNCT
fsr-3433	306	18	could	could	AUX
fsr-3433	306	19	correctly	correctly	ADV
fsr-3433	306	20	answer	answer	VERB
fsr-3433	306	21	the	the	DET
fsr-3433	306	22	concept	concept	NOUN
fsr-3433	306	23	of	of	ADP
fsr-3433	306	24	simple	simple	ADJ
fsr-3433	306	25	interest	interest	NOUN
fsr-3433	306	26	,	,	PUNCT
fsr-3433	306	27	while	while	SCONJ
fsr-3433	306	28	the	the	DET
fsr-3433	306	29	least	least	ADJ
fsr-3433	306	30	percentage	percentage	NOUN
fsr-3433	306	31	of	of	ADP
fsr-3433	306	32	the	the	DET
fsr-3433	306	33	correct	correct	ADJ
fsr-3433	306	34	answer	answer	NOUN
fsr-3433	306	35	of	of	ADP
fsr-3433	306	36	males	male	NOUN
fsr-3433	306	37	relates	relate	VERB
fsr-3433	306	38	to	to	ADP
fsr-3433	306	39	the	the	DET
fsr-3433	306	40	concept	concept	NOUN
fsr-3433	306	41	of	of	ADP
fsr-3433	306	42	the	the	DET
fsr-3433	306	43	time	time	NOUN
fsr-3433	306	44	value	value	NOUN
fsr-3433	306	45	of	of	ADP
fsr-3433	306	46	money	money	NOUN
fsr-3433	306	47	(	(	PUNCT
fsr-3433	306	48	85.52	85.52	NUM
fsr-3433	306	49	)	)	PUNCT
fsr-3433	306	50	,	,	PUNCT
fsr-3433	306	51	whereas	whereas	SCONJ
fsr-3433	306	52	the	the	DET
fsr-3433	306	53	least	least	ADJ
fsr-3433	306	54	percentage	percentage	NOUN
fsr-3433	306	55	of	of	ADP
fsr-3433	306	56	the	the	DET
fsr-3433	306	57	correct	correct	ADJ
fsr-3433	306	58	answer	answer	NOUN
fsr-3433	306	59	of	of	ADP
fsr-3433	306	60	females	female	NOUN
fsr-3433	306	61	relates	relate	VERB
fsr-3433	306	62	to	to	ADP
fsr-3433	306	63	the	the	DET
fsr-3433	306	64	concept	concept	NOUN
fsr-3433	306	65	of	of	ADP
fsr-3433	306	66	inflation	inflation	NOUN
fsr-3433	306	67	(	(	PUNCT
fsr-3433	306	68	73.77	73.77	NUM
fsr-3433	306	69	)	)	PUNCT
fsr-3433	306	70	.	.	PUNCT
fsr-3433	307	1	fig	fig	NOUN
fsr-3433	307	2	.	.	PUNCT
fsr-3433	308	1	3	3	NUM
fsr-3433	308	2	shows	show	VERB
fsr-3433	308	3	the	the	DET
fsr-3433	308	4	percentage	percentage	NOUN
fsr-3433	308	5	of	of	ADP
fsr-3433	308	6	respondents	respondent	NOUN
fsr-3433	308	7	who	who	PRON
fsr-3433	308	8	take	take	VERB
fsr-3433	308	9	on	on	ADP
fsr-3433	308	10	debt	debt	NOUN
fsr-3433	308	11	and	and	CCONJ
fsr-3433	308	12	could	could	AUX
fsr-3433	308	13	correctly	correctly	ADV
fsr-3433	308	14	answer	answer	VERB
fsr-3433	308	15	each	each	PRON
fsr-3433	308	16	of	of	ADP
fsr-3433	308	17	the	the	DET
fsr-3433	308	18	five	five	NUM
fsr-3433	308	19	financial	financial	ADJ
fsr-3433	308	20	literacy	literacy	NOUN
fsr-3433	308	21	questions	question	NOUN
fsr-3433	308	22	.	.	PUNCT
fsr-3433	309	1	according	accord	VERB
fsr-3433	309	2	to	to	ADP
fsr-3433	309	3	fig	fig	NOUN
fsr-3433	309	4	.	.	PUNCT
fsr-3433	310	1	3	3	NUM
fsr-3433	310	2	,	,	PUNCT
fsr-3433	310	3	most	most	ADJ
fsr-3433	310	4	percentage	percentage	NOUN
fsr-3433	310	5	of	of	ADP
fsr-3433	310	6	those	those	PRON
fsr-3433	310	7	who	who	PRON
fsr-3433	310	8	take	take	VERB
fsr-3433	310	9	on	on	ADP
fsr-3433	310	10	debt	debt	NOUN
fsr-3433	310	11	(	(	PUNCT
fsr-3433	310	12	91.58	91.58	NUM
fsr-3433	310	13	)	)	PUNCT
fsr-3433	310	14	could	could	AUX
fsr-3433	310	15	correctly	correctly	ADV
fsr-3433	310	16	answer	answer	VERB
fsr-3433	310	17	the	the	DET
fsr-3433	310	18	concept	concept	NOUN
fsr-3433	310	19	of	of	ADP
fsr-3433	310	20	simple	simple	ADJ
fsr-3433	310	21	interest	interest	NOUN
fsr-3433	310	22	,	,	PUNCT
fsr-3433	310	23	while	while	SCONJ
fsr-3433	310	24	the	the	DET
fsr-3433	310	25	lowest	low	ADJ
fsr-3433	310	26	percentage	percentage	NOUN
fsr-3433	310	27	(	(	PUNCT
fsr-3433	310	28	76.32	76.32	NUM
fsr-3433	310	29	)	)	PUNCT
fsr-3433	310	30	could	could	AUX
fsr-3433	310	31	correctly	correctly	ADV
fsr-3433	310	32	answer	answer	VERB
fsr-3433	310	33	the	the	DET
fsr-3433	310	34	concept	concept	NOUN
fsr-3433	310	35	of	of	ADP
fsr-3433	310	36	inflation	inflation	NOUN
fsr-3433	310	37	.	.	PUNCT
fsr-3433	311	1	next	next	ADJ
fsr-3433	311	2	,	,	PUNCT
fsr-3433	311	3	fig	fig	NOUN
fsr-3433	311	4	.	.	PUNCT
fsr-3433	311	5	4	4	NUM
fsr-3433	311	6	shows	show	VERB
fsr-3433	311	7	that	that	SCONJ
fsr-3433	311	8	most	most	ADJ
fsr-3433	311	9	of	of	ADP
fsr-3433	311	10	the	the	DET
fsr-3433	311	11	respondents	respondent	NOUN
fsr-3433	311	12	could	could	AUX
fsr-3433	311	13	correctly	correctly	ADV
fsr-3433	311	14	answer	answer	VERB
fsr-3433	311	15	the	the	DET
fsr-3433	311	16	concept	concept	NOUN
fsr-3433	311	17	of	of	ADP
fsr-3433	311	18	simple	simple	ADJ
fsr-3433	311	19	interest	interest	NOUN
fsr-3433	311	20	regardless	regardless	ADV
fsr-3433	311	21	of	of	ADP
fsr-3433	311	22	the	the	DET
fsr-3433	311	23	degree	degree	NOUN
fsr-3433	311	24	they	they	PRON
fsr-3433	311	25	have	have	AUX
fsr-3433	311	26	earned	earn	VERB
fsr-3433	311	27	.	.	PUNCT
fsr-3433	312	1	fig	fig	NOUN
fsr-3433	312	2	.	.	PUNCT
fsr-3433	313	1	5	5	NUM
fsr-3433	313	2	and	and	CCONJ
fsr-3433	313	3	fig	fig	NOUN
fsr-3433	313	4	.	.	PUNCT
fsr-3433	314	1	6	6	NUM
fsr-3433	314	2	take	take	VERB
fsr-3433	314	3	into	into	ADP
fsr-3433	314	4	account	account	NOUN
fsr-3433	314	5	the	the	DET
fsr-3433	314	6	correct	correct	ADJ
fsr-3433	314	7	response	response	NOUN
fsr-3433	314	8	rate	rate	NOUN
fsr-3433	314	9	of	of	ADP
fsr-3433	314	10	all	all	DET
fsr-3433	314	11	(	(	PUNCT
fsr-3433	314	12	five	five	NUM
fsr-3433	314	13	)	)	PUNCT
fsr-3433	314	14	financial	financial	ADJ
fsr-3433	314	15	literacy	literacy	NOUN
fsr-3433	314	16	questions	question	NOUN
fsr-3433	314	17	.	.	PUNCT
fsr-3433	315	1	fig	fig	NOUN
fsr-3433	315	2	.	.	PUNCT
fsr-3433	316	1	5	5	NUM
fsr-3433	316	2	below	below	ADP
fsr-3433	316	3	shows	show	VERB
fsr-3433	316	4	that	that	SCONJ
fsr-3433	316	5	44	44	NUM
fsr-3433	316	6	%	%	NOUN
fsr-3433	316	7	of	of	ADP
fsr-3433	316	8	respondents	respondent	NOUN
fsr-3433	316	9	with	with	ADP
fsr-3433	316	10	zero	zero	NUM
fsr-3433	316	11	financial	financial	ADJ
fsr-3433	316	12	literacy	literacy	NOUN
fsr-3433	316	13	score	score	NOUN
fsr-3433	316	14	have	have	VERB
fsr-3433	316	15	credit	credit	NOUN
fsr-3433	316	16	card	card	NOUN
fsr-3433	316	17	debt	debt	NOUN
fsr-3433	316	18	.	.	PUNCT
fsr-3433	317	1	in	in	ADP
fsr-3433	317	2	contrast	contrast	NOUN
fsr-3433	317	3	,	,	PUNCT
fsr-3433	317	4	26	26	NUM
fsr-3433	317	5	%	%	NOUN
fsr-3433	317	6	of	of	ADP
fsr-3433	317	7	respondents	respondent	NOUN
fsr-3433	317	8	who	who	PRON
fsr-3433	317	9	correctly	correctly	ADV
fsr-3433	317	10	answered	answer	VERB
fsr-3433	317	11	all	all	DET
fsr-3433	317	12	five	five	NUM
fsr-3433	317	13	questions	question	NOUN
fsr-3433	317	14	are	be	AUX
fsr-3433	317	15	identified	identify	VERB
fsr-3433	317	16	as	as	ADP
fsr-3433	317	17	those	those	PRON
fsr-3433	317	18	who	who	PRON
fsr-3433	317	19	take	take	VERB
fsr-3433	317	20	on	on	ADP
fsr-3433	317	21	debt	debt	NOUN
fsr-3433	317	22	.	.	PUNCT
fsr-3433	318	1	these	these	DET
fsr-3433	318	2	descriptive	descriptive	ADJ
fsr-3433	318	3	statistics	statistic	NOUN
fsr-3433	318	4	indicate	indicate	VERB
fsr-3433	318	5	that	that	SCONJ
fsr-3433	318	6	financially	financially	ADV
fsr-3433	318	7	illiterate	illiterate	ADJ
fsr-3433	318	8	people	people	NOUN
fsr-3433	318	9	are	be	AUX
fsr-3433	318	10	relatively	relatively	ADV
fsr-3433	318	11	more	more	ADV
fsr-3433	318	12	inclined	inclined	ADJ
fsr-3433	318	13	to	to	ADP
fsr-3433	318	14	credit	credit	NOUN
fsr-3433	318	15	card	card	NOUN
fsr-3433	318	16	debt	debt	NOUN
fsr-3433	318	17	as	as	SCONJ
fsr-3433	318	18	compared	compare	VERB
fsr-3433	318	19	with	with	ADP
fsr-3433	318	20	financially	financially	ADV
fsr-3433	318	21	literate	literate	ADJ
fsr-3433	318	22	people	people	NOUN
fsr-3433	318	23	.	.	PUNCT
fsr-3433	319	1	next	next	ADV
fsr-3433	319	2	,	,	PUNCT
fsr-3433	319	3	for	for	ADP
fsr-3433	319	4	a	a	DET
fsr-3433	319	5	comparison	comparison	NOUN
fsr-3433	319	6	purpose	purpose	NOUN
fsr-3433	319	7	,	,	PUNCT
fsr-3433	319	8	we	we	PRON
fsr-3433	319	9	make	make	VERB
fsr-3433	319	10	seven	seven	NUM
fsr-3433	319	11	blocks	block	NOUN
fsr-3433	319	12	of	of	ADP
fsr-3433	319	13	age	age	NOUN
fsr-3433	319	14	as	as	ADP
fsr-3433	319	15	below	below	ADP
fsr-3433	319	16	25	25	NUM
fsr-3433	319	17	years	year	NOUN
fsr-3433	319	18	,	,	PUNCT
fsr-3433	319	19	25–34	25–34	NUM
fsr-3433	319	20	,	,	PUNCT
fsr-3433	319	21	35–44	35–44	NUM
fsr-3433	319	22	,	,	PUNCT
fsr-3433	319	23	45–54	45–54	NUM
fsr-3433	319	24	,	,	PUNCT
fsr-3433	319	25	55–64	55–64	NUM
fsr-3433	319	26	,	,	PUNCT
fsr-3433	319	27	65–74	65–74	NUM
fsr-3433	319	28	,	,	PUNCT
fsr-3433	319	29	and	and	CCONJ
fsr-3433	319	30	above	above	ADP
fsr-3433	319	31	74	74	NUM
fsr-3433	319	32	.	.	PUNCT
fsr-3433	320	1	fig	fig	NOUN
fsr-3433	320	2	.	.	PUNCT
fsr-3433	321	1	6	6	NUM
fsr-3433	321	2	shows	show	VERB
fsr-3433	321	3	that	that	SCONJ
fsr-3433	321	4	those	those	PRON
fsr-3433	321	5	who	who	PRON
fsr-3433	321	6	are	be	AUX
fsr-3433	321	7	below	below	ADP
fsr-3433	321	8	25	25	NUM
fsr-3433	321	9	years	year	NOUN
fsr-3433	321	10	of	of	ADP
fsr-3433	321	11	age	age	NOUN
fsr-3433	321	12	contain	contain	VERB
fsr-3433	321	13	least	least	ADJ
fsr-3433	321	14	percentage	percentage	NOUN
fsr-3433	321	15	of	of	ADP
fsr-3433	321	16	respondents	respondent	NOUN
fsr-3433	321	17	who	who	PRON
fsr-3433	321	18	could	could	AUX
fsr-3433	321	19	correctly	correctly	ADV
fsr-3433	321	20	answer	answer	VERB
fsr-3433	321	21	all	all	DET
fsr-3433	321	22	the	the	DET
fsr-3433	321	23	five	five	NUM
fsr-3433	321	24	financial	financial	ADJ
fsr-3433	321	25	literacy	literacy	NOUN
fsr-3433	321	26	questions	question	NOUN
fsr-3433	321	27	,	,	PUNCT
fsr-3433	321	28	whereas	whereas	SCONJ
fsr-3433	321	29	the	the	DET
fsr-3433	321	30	age	age	NOUN
fsr-3433	321	31	(	(	PUNCT
fsr-3433	321	32	in	in	ADP
fsr-3433	321	33	years	year	NOUN
fsr-3433	321	34	)	)	PUNCT
fsr-3433	321	35	block	block	NOUN
fsr-3433	321	36	55–64	55–64	NUM
fsr-3433	321	37	fig	fig	NOUN
fsr-3433	321	38	.	.	PUNCT
fsr-3433	322	1	1	1	NUM
fsr-3433	322	2	.	.	NUM
fsr-3433	322	3	percent	percent	NOUN
fsr-3433	322	4	comparison	comparison	NOUN
fsr-3433	322	5	of	of	ADP
fsr-3433	322	6	credit	credit	NOUN
fsr-3433	322	7	card	card	NOUN
fsr-3433	322	8	debt	debt	NOUN
fsr-3433	322	9	-	-	PUNCT
fsr-3433	322	10	taking	take	VERB
fsr-3433	322	11	behavior	behavior	NOUN
fsr-3433	322	12	by	by	ADP
fsr-3433	322	13	males	male	NOUN
fsr-3433	322	14	and	and	CCONJ
fsr-3433	322	15	females	female	NOUN
fsr-3433	322	16	.	.	PUNCT
fsr-3433	323	1	fig	fig	NOUN
fsr-3433	323	2	.	.	PUNCT
fsr-3433	324	1	2	2	NUM
fsr-3433	324	2	.	.	NUM
fsr-3433	324	3	percent	percent	NOUN
fsr-3433	324	4	comparison	comparison	NOUN
fsr-3433	324	5	of	of	ADP
fsr-3433	324	6	correct	correct	ADJ
fsr-3433	324	7	answers	answer	NOUN
fsr-3433	324	8	to	to	ADP
fsr-3433	324	9	the	the	DET
fsr-3433	324	10	financial	financial	ADJ
fsr-3433	324	11	literacy	literacy	NOUN
fsr-3433	324	12	concepts	concept	NOUN
fsr-3433	324	13	by	by	ADP
fsr-3433	324	14	males	male	NOUN
fsr-3433	324	15	and	and	CCONJ
fsr-3433	324	16	females	female	NOUN
fsr-3433	324	17	.	.	PUNCT
fsr-3433	325	1	284	284	NUM
fsr-3433	325	2	m.	m.	NOUN
fsr-3433	325	3	s.	s.	PROPN
fsr-3433	325	4	tahir	tahir	PROPN
fsr-3433	325	5	et	et	PROPN
fsr-3433	325	6	al	al	PROPN
fsr-3433	325	7	.	.	PUNCT
fsr-3433	325	8	/	/	SYM
fsr-3433	325	9	financial	financial	ADJ
fsr-3433	325	10	services	service	NOUN
fsr-3433	325	11	review	review	VERB
fsr-3433	325	12	28	28	NUM
fsr-3433	325	13	(	(	PUNCT
fsr-3433	325	14	2020	2020	NUM
fsr-3433	325	15	)	)	PUNCT
fsr-3433	326	1	273–301	273–301	NUM
fsr-3433	326	2	contains	contain	VERB
fsr-3433	326	3	most	most	ADJ
fsr-3433	326	4	of	of	ADP
fsr-3433	326	5	the	the	DET
fsr-3433	326	6	respondents	respondent	NOUN
fsr-3433	326	7	who	who	PRON
fsr-3433	326	8	are	be	AUX
fsr-3433	326	9	highly	highly	ADV
fsr-3433	326	10	financially	financially	ADV
fsr-3433	326	11	literate	literate	ADJ
fsr-3433	326	12	.	.	PUNCT
fsr-3433	327	1	the	the	DET
fsr-3433	327	2	young	young	ADJ
fsr-3433	327	3	generation	generation	NOUN
fsr-3433	327	4	in	in	ADP
fsr-3433	327	5	australia	australia	PROPN
fsr-3433	327	6	is	be	AUX
fsr-3433	327	7	not	not	PART
fsr-3433	327	8	highly	highly	ADV
fsr-3433	327	9	financially	financially	ADV
fsr-3433	327	10	literate	literate	ADJ
fsr-3433	327	11	and	and	CCONJ
fsr-3433	327	12	may	may	AUX
fsr-3433	327	13	require	require	VERB
fsr-3433	327	14	financial	financial	ADJ
fsr-3433	327	15	literacy	literacy	NOUN
fsr-3433	327	16	education	education	NOUN
fsr-3433	327	17	.	.	PUNCT
fsr-3433	328	1	finally	finally	ADV
fsr-3433	328	2	,	,	PUNCT
fsr-3433	328	3	fig	fig	NOUN
fsr-3433	328	4	.	.	PUNCT
fsr-3433	329	1	7	7	NUM
fsr-3433	329	2	shows	show	VERB
fsr-3433	329	3	the	the	DET
fsr-3433	329	4	age	age	NOUN
fsr-3433	329	5	comparison	comparison	NOUN
fsr-3433	329	6	of	of	ADP
fsr-3433	329	7	those	those	PRON
fsr-3433	329	8	who	who	PRON
fsr-3433	329	9	have	have	VERB
fsr-3433	329	10	credit	credit	NOUN
fsr-3433	329	11	card	card	NOUN
fsr-3433	329	12	debt	debt	NOUN
fsr-3433	329	13	.	.	PUNCT
fsr-3433	330	1	our	our	PRON
fsr-3433	330	2	data	datum	NOUN
fsr-3433	330	3	indicate	indicate	VERB
fsr-3433	330	4	that	that	SCONJ
fsr-3433	330	5	those	those	PRON
fsr-3433	330	6	who	who	PRON
fsr-3433	330	7	are	be	AUX
fsr-3433	330	8	between	between	ADP
fsr-3433	330	9	25	25	NUM
fsr-3433	330	10	and	and	CCONJ
fsr-3433	330	11	34	34	NUM
fsr-3433	330	12	years	year	NOUN
fsr-3433	330	13	of	of	ADP
fsr-3433	330	14	age	age	NOUN
fsr-3433	330	15	are	be	AUX
fsr-3433	330	16	relatively	relatively	ADV
fsr-3433	330	17	more	more	ADV
fsr-3433	330	18	inclined	inclined	ADJ
fsr-3433	330	19	to	to	ADP
fsr-3433	330	20	credit	credit	NOUN
fsr-3433	330	21	card	card	NOUN
fsr-3433	330	22	debt	debt	NOUN
fsr-3433	330	23	as	as	SCONJ
fsr-3433	330	24	compared	compare	VERB
fsr-3433	330	25	with	with	ADP
fsr-3433	330	26	other	other	ADJ
fsr-3433	330	27	age	age	NOUN
fsr-3433	330	28	groups	group	NOUN
fsr-3433	330	29	.	.	PUNCT
fsr-3433	331	1	the	the	DET
fsr-3433	331	2	overall	overall	ADJ
fsr-3433	331	3	trend	trend	NOUN
fsr-3433	331	4	in	in	ADP
fsr-3433	331	5	fig	fig	NOUN
fsr-3433	331	6	.	.	PUNCT
fsr-3433	332	1	7	7	NUM
fsr-3433	332	2	explicates	explicate	VERB
fsr-3433	332	3	that	that	SCONJ
fsr-3433	332	4	debt	debt	NOUN
fsr-3433	332	5	increases	increase	VERB
fsr-3433	332	6	up	up	ADP
fsr-3433	332	7	to	to	ADP
fsr-3433	332	8	a	a	DET
fsr-3433	332	9	certain	certain	ADJ
fsr-3433	332	10	age	age	NOUN
fsr-3433	332	11	,	,	PUNCT
fsr-3433	332	12	then	then	ADV
fsr-3433	332	13	it	it	PRON
fsr-3433	332	14	decreases	decrease	VERB
fsr-3433	332	15	.	.	PUNCT
fsr-3433	333	1	5.2	5.2	NUM
fsr-3433	333	2	.	.	PUNCT
fsr-3433	334	1	correlation	correlation	NOUN
fsr-3433	334	2	analysis	analysis	NOUN
fsr-3433	334	3	table	table	NOUN
fsr-3433	334	4	4	4	NUM
fsr-3433	334	5	below	below	ADV
fsr-3433	334	6	shows	show	VERB
fsr-3433	334	7	the	the	DET
fsr-3433	334	8	pairwise	pairwise	NOUN
fsr-3433	334	9	correlation	correlation	NOUN
fsr-3433	334	10	analysis	analysis	NOUN
fsr-3433	334	11	.	.	PUNCT
fsr-3433	335	1	credit	credit	NOUN
fsr-3433	335	2	card	card	NOUN
fsr-3433	335	3	debt	debt	NOUN
fsr-3433	335	4	-	-	PUNCT
fsr-3433	335	5	taking	take	VERB
fsr-3433	335	6	behavior	behavior	NOUN
fsr-3433	335	7	is	be	AUX
fsr-3433	335	8	negatively	negatively	ADV
fsr-3433	335	9	correlated	correlate	VERB
fsr-3433	335	10	with	with	ADP
fsr-3433	335	11	financial	financial	ADJ
fsr-3433	335	12	literacy	literacy	NOUN
fsr-3433	335	13	,	,	PUNCT
fsr-3433	335	14	attitude	attitude	NOUN
fsr-3433	335	15	towards	towards	ADP
fsr-3433	335	16	balancing	balance	VERB
fsr-3433	335	17	spending	spending	NOUN
fsr-3433	335	18	and	and	CCONJ
fsr-3433	335	19	fig	fig	NOUN
fsr-3433	335	20	.	.	PUNCT
fsr-3433	336	1	3	3	X
fsr-3433	336	2	.	.	NUM
fsr-3433	336	3	percent	percent	NOUN
fsr-3433	336	4	of	of	ADP
fsr-3433	336	5	those	those	PRON
fsr-3433	336	6	take	take	VERB
fsr-3433	336	7	on	on	ADP
fsr-3433	336	8	debt	debt	NOUN
fsr-3433	336	9	and	and	CCONJ
fsr-3433	336	10	could	could	AUX
fsr-3433	336	11	correctly	correctly	ADV
fsr-3433	336	12	answer	answer	VERB
fsr-3433	336	13	the	the	DET
fsr-3433	336	14	questions	question	NOUN
fsr-3433	336	15	relating	relate	VERB
fsr-3433	336	16	to	to	ADP
fsr-3433	336	17	the	the	DET
fsr-3433	336	18	financial	financial	ADJ
fsr-3433	336	19	literacy	literacy	NOUN
fsr-3433	336	20	concepts	concept	NOUN
fsr-3433	336	21	.	.	PUNCT
fsr-3433	337	1	fig	fig	NOUN
fsr-3433	337	2	.	.	PUNCT
fsr-3433	338	1	4	4	NUM
fsr-3433	338	2	.	.	NUM
fsr-3433	338	3	percent	percent	NOUN
fsr-3433	338	4	comparison	comparison	NOUN
fsr-3433	338	5	of	of	ADP
fsr-3433	338	6	correct	correct	ADJ
fsr-3433	338	7	answers	answer	NOUN
fsr-3433	338	8	to	to	ADP
fsr-3433	338	9	the	the	DET
fsr-3433	338	10	financial	financial	ADJ
fsr-3433	338	11	literacy	literacy	NOUN
fsr-3433	338	12	concepts	concept	NOUN
fsr-3433	338	13	by	by	ADP
fsr-3433	338	14	education	education	NOUN
fsr-3433	338	15	status	status	NOUN
fsr-3433	338	16	.	.	PUNCT
fsr-3433	339	1	m.	m.	PROPN
fsr-3433	339	2	s.	s.	PROPN
fsr-3433	339	3	tahir	tahir	PROPN
fsr-3433	339	4	et	et	PROPN
fsr-3433	339	5	al	al	PROPN
fsr-3433	339	6	.	.	PUNCT
fsr-3433	339	7	/	/	SYM
fsr-3433	339	8	financial	financial	ADJ
fsr-3433	339	9	services	service	NOUN
fsr-3433	339	10	review	review	VERB
fsr-3433	339	11	28	28	NUM
fsr-3433	339	12	(	(	PUNCT
fsr-3433	339	13	2020	2020	NUM
fsr-3433	339	14	)	)	PUNCT
fsr-3433	340	1	273–301	273–301	NUM
fsr-3433	340	2	285	285	NUM
fsr-3433	340	3	savings	saving	NOUN
fsr-3433	340	4	,	,	PUNCT
fsr-3433	340	5	and	and	CCONJ
fsr-3433	340	6	financial	financial	ADJ
fsr-3433	340	7	satisfaction	satisfaction	NOUN
fsr-3433	340	8	as	as	SCONJ
fsr-3433	340	9	expected	expect	VERB
fsr-3433	340	10	from	from	ADP
fsr-3433	340	11	the	the	DET
fsr-3433	340	12	literature	literature	PROPN
fsr-3433	340	13	review	review	NOUN
fsr-3433	340	14	.	.	PUNCT
fsr-3433	341	1	among	among	ADP
fsr-3433	341	2	demographic	demographic	ADJ
fsr-3433	341	3	factors	factor	NOUN
fsr-3433	341	4	,	,	PUNCT
fsr-3433	341	5	employment	employment	NOUN
fsr-3433	341	6	status	status	NOUN
fsr-3433	341	7	is	be	AUX
fsr-3433	341	8	uncorrelated	uncorrelate	VERB
fsr-3433	341	9	with	with	ADP
fsr-3433	341	10	attitude	attitude	NOUN
fsr-3433	341	11	towards	towards	ADP
fsr-3433	341	12	balancing	balance	VERB
fsr-3433	341	13	spending	spending	NOUN
fsr-3433	341	14	and	and	CCONJ
fsr-3433	341	15	savings	saving	NOUN
fsr-3433	341	16	,	,	PUNCT
fsr-3433	341	17	problematic	problematic	ADJ
fsr-3433	341	18	debt	debt	NOUN
fsr-3433	341	19	-	-	PUNCT
fsr-3433	341	20	taking	taking	NOUN
fsr-3433	341	21	,	,	PUNCT
fsr-3433	341	22	and	and	CCONJ
fsr-3433	341	23	age	age	NOUN
fsr-3433	341	24	.	.	PUNCT
fsr-3433	342	1	furthermore	furthermore	ADV
fsr-3433	342	2	,	,	PUNCT
fsr-3433	342	3	gender	gender	NOUN
fsr-3433	342	4	is	be	AUX
fsr-3433	342	5	uncorrelated	uncorrelate	VERB
fsr-3433	342	6	with	with	ADP
fsr-3433	342	7	attitude	attitude	NOUN
fsr-3433	342	8	towards	towards	ADP
fsr-3433	342	9	balancing	balance	VERB
fsr-3433	342	10	spending	spending	NOUN
fsr-3433	342	11	and	and	CCONJ
fsr-3433	342	12	savings	saving	NOUN
fsr-3433	342	13	and	and	CCONJ
fsr-3433	342	14	age	age	NOUN
fsr-3433	342	15	,	,	PUNCT
fsr-3433	342	16	while	while	SCONJ
fsr-3433	342	17	less	less	ADV
fsr-3433	342	18	correlated	correlate	VERB
fsr-3433	342	19	with	with	ADP
fsr-3433	342	20	credit	credit	NOUN
fsr-3433	342	21	card	card	NOUN
fsr-3433	342	22	debt	debt	NOUN
fsr-3433	342	23	-	-	PUNCT
fsr-3433	342	24	taking	take	VERB
fsr-3433	342	25	behavior	behavior	NOUN
fsr-3433	342	26	.	.	PUNCT
fsr-3433	343	1	all	all	DET
fsr-3433	343	2	other	other	ADJ
fsr-3433	343	3	variables	variable	NOUN
fsr-3433	343	4	are	be	AUX
fsr-3433	343	5	statistically	statistically	ADV
fsr-3433	343	6	significantly	significantly	ADV
fsr-3433	343	7	correlated	correlate	VERB
fsr-3433	343	8	with	with	ADP
fsr-3433	343	9	each	each	DET
fsr-3433	343	10	other	other	ADJ
fsr-3433	343	11	.	.	PUNCT
fsr-3433	344	1	5.3	5.3	NUM
fsr-3433	344	2	.	.	PUNCT
fsr-3433	344	3	empirical	empirical	ADJ
fsr-3433	344	4	association	association	NOUN
fsr-3433	344	5	of	of	ADP
fsr-3433	344	6	financial	financial	ADJ
fsr-3433	344	7	literacy	literacy	NOUN
fsr-3433	344	8	,	,	PUNCT
fsr-3433	344	9	attitude	attitude	NOUN
fsr-3433	344	10	towards	towards	ADP
fsr-3433	344	11	balancing	balance	VERB
fsr-3433	344	12	spending	spending	NOUN
fsr-3433	344	13	and	and	CCONJ
fsr-3433	344	14	savings	saving	NOUN
fsr-3433	344	15	,	,	PUNCT
fsr-3433	344	16	and	and	CCONJ
fsr-3433	344	17	financial	financial	ADJ
fsr-3433	344	18	satisfaction	satisfaction	NOUN
fsr-3433	344	19	with	with	ADP
fsr-3433	344	20	credit	credit	NOUN
fsr-3433	344	21	card	card	NOUN
fsr-3433	344	22	debt	debt	NOUN
fsr-3433	344	23	-	-	PUNCT
fsr-3433	344	24	taking	take	VERB
fsr-3433	344	25	behavior	behavior	NOUN
fsr-3433	344	26	table	table	NOUN
fsr-3433	344	27	5	5	NUM
fsr-3433	344	28	,	,	PUNCT
fsr-3433	344	29	table	table	NOUN
fsr-3433	344	30	6	6	NUM
fsr-3433	344	31	,	,	PUNCT
fsr-3433	344	32	and	and	CCONJ
fsr-3433	344	33	table	table	NOUN
fsr-3433	344	34	7	7	NUM
fsr-3433	344	35	show	show	VERB
fsr-3433	344	36	the	the	DET
fsr-3433	344	37	results	result	NOUN
fsr-3433	344	38	of	of	ADP
fsr-3433	344	39	empirical	empirical	ADJ
fsr-3433	344	40	analyses	analysis	NOUN
fsr-3433	344	41	after	after	ADP
fsr-3433	344	42	controlling	control	VERB
fsr-3433	344	43	for	for	ADP
fsr-3433	344	44	demographic	demographic	ADJ
fsr-3433	344	45	factors	factor	NOUN
fsr-3433	344	46	.	.	PUNCT
fsr-3433	345	1	table	table	NOUN
fsr-3433	345	2	5	5	NUM
fsr-3433	345	3	below	below	ADV
fsr-3433	345	4	contains	contain	VERB
fsr-3433	345	5	the	the	DET
fsr-3433	345	6	analysis	analysis	NOUN
fsr-3433	345	7	of	of	ADP
fsr-3433	345	8	the	the	DET
fsr-3433	345	9	financial	financial	ADJ
fsr-3433	345	10	literacy	literacy	NOUN
fsr-3433	345	11	variable	variable	NOUN
fsr-3433	345	12	,	,	PUNCT
fsr-3433	345	13	table	table	NOUN
fsr-3433	345	14	6	6	NUM
fsr-3433	345	15	adds	add	VERB
fsr-3433	345	16	attitude	attitude	NOUN
fsr-3433	345	17	towards	towards	ADP
fsr-3433	345	18	balancing	balance	VERB
fsr-3433	345	19	spending	spending	NOUN
fsr-3433	345	20	and	and	CCONJ
fsr-3433	345	21	savings	saving	NOUN
fsr-3433	345	22	variable	variable	NOUN
fsr-3433	345	23	,	,	PUNCT
fsr-3433	345	24	and	and	CCONJ
fsr-3433	345	25	table	table	NOUN
fsr-3433	345	26	7	7	NUM
fsr-3433	345	27	adds	add	VERB
fsr-3433	345	28	the	the	DET
fsr-3433	345	29	financial	financial	ADJ
fsr-3433	345	30	satisfaction	satisfaction	NOUN
fsr-3433	345	31	variable	variable	NOUN
fsr-3433	345	32	.	.	PUNCT
fsr-3433	346	1	the	the	DET
fsr-3433	346	2	first	first	ADJ
fsr-3433	346	3	model	model	NOUN
fsr-3433	346	4	of	of	ADP
fsr-3433	346	5	each	each	DET
fsr-3433	346	6	table	table	NOUN
fsr-3433	346	7	contains	contain	VERB
fsr-3433	346	8	financial	financial	ADJ
fsr-3433	346	9	literacy	literacy	NOUN
fsr-3433	346	10	fig	fig	NOUN
fsr-3433	346	11	.	.	PUNCT
fsr-3433	347	1	5	5	X
fsr-3433	347	2	.	.	X
fsr-3433	347	3	levels	level	NOUN
fsr-3433	347	4	of	of	ADP
fsr-3433	347	5	financial	financial	ADJ
fsr-3433	347	6	literacy	literacy	NOUN
fsr-3433	347	7	and	and	CCONJ
fsr-3433	347	8	percentage	percentage	NOUN
fsr-3433	347	9	comparison	comparison	NOUN
fsr-3433	347	10	of	of	ADP
fsr-3433	347	11	those	those	PRON
fsr-3433	347	12	who	who	PRON
fsr-3433	347	13	take	take	VERB
fsr-3433	347	14	on	on	ADP
fsr-3433	347	15	debt	debt	NOUN
fsr-3433	347	16	.	.	PUNCT
fsr-3433	348	1	fig	fig	NOUN
fsr-3433	348	2	.	.	PUNCT
fsr-3433	349	1	6	6	NUM
fsr-3433	349	2	.	.	NUM
fsr-3433	349	3	percent	percent	NOUN
fsr-3433	349	4	comparison	comparison	NOUN
fsr-3433	349	5	of	of	ADP
fsr-3433	349	6	correct	correct	ADJ
fsr-3433	349	7	answers	answer	NOUN
fsr-3433	349	8	to	to	ADP
fsr-3433	349	9	the	the	DET
fsr-3433	349	10	financial	financial	ADJ
fsr-3433	349	11	literacy	literacy	NOUN
fsr-3433	349	12	concepts	concept	NOUN
fsr-3433	349	13	by	by	ADP
fsr-3433	349	14	age	age	NOUN
fsr-3433	349	15	(	(	PUNCT
fsr-3433	349	16	in	in	ADP
fsr-3433	349	17	years	year	NOUN
fsr-3433	349	18	)	)	PUNCT
fsr-3433	349	19	.	.	PUNCT
fsr-3433	350	1	286	286	NUM
fsr-3433	350	2	m.	m.	NOUN
fsr-3433	350	3	s.	s.	PROPN
fsr-3433	350	4	tahir	tahir	PROPN
fsr-3433	350	5	et	et	PROPN
fsr-3433	350	6	al	al	PROPN
fsr-3433	350	7	.	.	PUNCT
fsr-3433	350	8	/	/	SYM
fsr-3433	350	9	financial	financial	ADJ
fsr-3433	350	10	services	service	NOUN
fsr-3433	350	11	review	review	VERB
fsr-3433	350	12	28	28	NUM
fsr-3433	350	13	(	(	PUNCT
fsr-3433	350	14	2020	2020	NUM
fsr-3433	350	15	)	)	PUNCT
fsr-3433	351	1	273–301	273–301	NUM
fsr-3433	351	2	accumulated	accumulate	VERB
fsr-3433	351	3	score	score	NOUN
fsr-3433	351	4	variable	variable	NOUN
fsr-3433	351	5	,	,	PUNCT
fsr-3433	351	6	whereas	whereas	SCONJ
fsr-3433	351	7	the	the	DET
fsr-3433	351	8	second	second	ADJ
fsr-3433	351	9	model	model	NOUN
fsr-3433	351	10	of	of	ADP
fsr-3433	351	11	each	each	DET
fsr-3433	351	12	table	table	NOUN
fsr-3433	351	13	contains	contain	VERB
fsr-3433	351	14	five	five	NUM
fsr-3433	351	15	financial	financial	ADJ
fsr-3433	351	16	literacy	literacy	NOUN
fsr-3433	351	17	concepts	concept	NOUN
fsr-3433	351	18	as	as	ADP
fsr-3433	351	19	separate	separate	ADJ
fsr-3433	351	20	dummy	dummy	ADJ
fsr-3433	351	21	variables	variable	NOUN
fsr-3433	351	22	.	.	PUNCT
fsr-3433	352	1	table	table	NOUN
fsr-3433	352	2	5	5	NUM
fsr-3433	352	3	below	below	ADV
fsr-3433	352	4	shows	show	VERB
fsr-3433	352	5	the	the	DET
fsr-3433	352	6	results	result	NOUN
fsr-3433	352	7	of	of	ADP
fsr-3433	352	8	the	the	DET
fsr-3433	352	9	two	two	NUM
fsr-3433	352	10	models	model	NOUN
fsr-3433	352	11	.	.	PUNCT
fsr-3433	353	1	the	the	DET
fsr-3433	353	2	first	first	ADJ
fsr-3433	353	3	model	model	NOUN
fsr-3433	353	4	contains	contain	VERB
fsr-3433	353	5	only	only	ADV
fsr-3433	353	6	financial	financial	ADJ
fsr-3433	353	7	literacy	literacy	NOUN
fsr-3433	353	8	variable	variable	NOUN
fsr-3433	353	9	,	,	PUNCT
fsr-3433	353	10	and	and	CCONJ
fsr-3433	353	11	it	it	PRON
fsr-3433	353	12	negatively	negatively	ADV
fsr-3433	353	13	relates	relate	VERB
fsr-3433	353	14	to	to	ADP
fsr-3433	353	15	credit	credit	NOUN
fsr-3433	353	16	card	card	NOUN
fsr-3433	353	17	debt	debt	NOUN
fsr-3433	353	18	-	-	PUNCT
fsr-3433	353	19	taking	take	VERB
fsr-3433	353	20	behavior	behavior	NOUN
fsr-3433	353	21	at	at	ADP
fsr-3433	353	22	the	the	DET
fsr-3433	353	23	statistical	statistical	ADJ
fsr-3433	353	24	significance	significance	NOUN
fsr-3433	353	25	level	level	NOUN
fsr-3433	353	26	.	.	PUNCT
fsr-3433	354	1	this	this	DET
fsr-3433	354	2	analysis	analysis	NOUN
fsr-3433	354	3	supports	support	VERB
fsr-3433	354	4	hypothesis	hypothesis	NOUN
fsr-3433	354	5	1	1	NUM
fsr-3433	354	6	.	.	PUNCT
fsr-3433	355	1	it	it	PRON
fsr-3433	355	2	implies	imply	VERB
fsr-3433	355	3	that	that	SCONJ
fsr-3433	355	4	those	those	PRON
fsr-3433	355	5	who	who	PRON
fsr-3433	355	6	are	be	AUX
fsr-3433	355	7	financially	financially	ADV
fsr-3433	355	8	literate	literate	ADJ
fsr-3433	355	9	are	be	AUX
fsr-3433	355	10	less	less	ADV
fsr-3433	355	11	likely	likely	ADJ
fsr-3433	355	12	to	to	PART
fsr-3433	355	13	have	have	VERB
fsr-3433	355	14	credit	credit	NOUN
fsr-3433	355	15	card	card	NOUN
fsr-3433	355	16	debt	debt	NOUN
fsr-3433	355	17	.	.	PUNCT
fsr-3433	356	1	the	the	DET
fsr-3433	356	2	odds	odd	NOUN
fsr-3433	356	3	ratio	ratio	NOUN
fsr-3433	356	4	of	of	ADP
fsr-3433	356	5	financial	financial	ADJ
fsr-3433	356	6	literacy	literacy	NOUN
fsr-3433	356	7	indicates	indicate	VERB
fsr-3433	356	8	that	that	SCONJ
fsr-3433	356	9	for	for	ADP
fsr-3433	356	10	a	a	DET
fsr-3433	356	11	1	1	NUM
fsr-3433	356	12	-	-	PUNCT
fsr-3433	356	13	unit	unit	NOUN
fsr-3433	356	14	change	change	NOUN
fsr-3433	356	15	in	in	ADP
fsr-3433	356	16	financial	financial	ADJ
fsr-3433	356	17	literacy	literacy	NOUN
fsr-3433	356	18	,	,	PUNCT
fsr-3433	356	19	the	the	DET
fsr-3433	356	20	log	log	NOUN
fsr-3433	356	21	odds	odd	NOUN
fsr-3433	356	22	of	of	ADP
fsr-3433	356	23	credit	credit	NOUN
fsr-3433	356	24	card	card	NOUN
fsr-3433	356	25	debt	debt	NOUN
fsr-3433	356	26	-	-	PUNCT
fsr-3433	356	27	taking	take	VERB
fsr-3433	356	28	behavior	behavior	NOUN
fsr-3433	356	29	are	be	AUX
fsr-3433	356	30	expected	expect	VERB
fsr-3433	356	31	to	to	PART
fsr-3433	356	32	change	change	VERB
fsr-3433	356	33	by	by	ADP
fsr-3433	356	34	a	a	DET
fsr-3433	356	35	factor	factor	NOUN
fsr-3433	356	36	of	of	ADP
fsr-3433	356	37	0.914	0.914	NUM
fsr-3433	356	38	,	,	PUNCT
fsr-3433	356	39	holding	hold	VERB
fsr-3433	356	40	all	all	DET
fsr-3433	356	41	other	other	ADJ
fsr-3433	356	42	variables	variable	NOUN
fsr-3433	356	43	unchanged	unchanged	ADJ
fsr-3433	356	44	.	.	PUNCT
fsr-3433	357	1	the	the	DET
fsr-3433	357	2	standardized	standardized	ADJ
fsr-3433	357	3	odds	odd	NOUN
fsr-3433	357	4	ratio	ratio	NOUN
fsr-3433	357	5	indicates	indicate	VERB
fsr-3433	357	6	that	that	SCONJ
fsr-3433	357	7	for	for	ADP
fsr-3433	357	8	a	a	DET
fsr-3433	357	9	one	one	NUM
fsr-3433	357	10	standard	standard	ADJ
fsr-3433	357	11	deviation	deviation	NOUN
fsr-3433	357	12	increase	increase	NOUN
fsr-3433	357	13	in	in	ADP
fsr-3433	357	14	financial	financial	ADJ
fsr-3433	357	15	literacy	literacy	NOUN
fsr-3433	357	16	score	score	NOUN
fsr-3433	357	17	,	,	PUNCT
fsr-3433	357	18	one	one	PRON
fsr-3433	357	19	could	could	AUX
fsr-3433	357	20	expect	expect	VERB
fsr-3433	357	21	0.920	0.920	NUM
fsr-3433	357	22	factors	factor	NOUN
fsr-3433	357	23	change	change	VERB
fsr-3433	357	24	in	in	ADP
fsr-3433	357	25	the	the	DET
fsr-3433	357	26	log	log	NOUN
fsr-3433	357	27	odds	odd	NOUN
fsr-3433	357	28	of	of	ADP
fsr-3433	357	29	credit	credit	NOUN
fsr-3433	357	30	card	card	NOUN
fsr-3433	357	31	debt	debt	NOUN
fsr-3433	357	32	-	-	PUNCT
fsr-3433	357	33	taking	taking	NOUN
fsr-3433	357	34	.	.	PUNCT
fsr-3433	358	1	unlike	unlike	ADP
fsr-3433	358	2	the	the	DET
fsr-3433	358	3	odds	odd	NOUN
fsr-3433	358	4	ratio	ratio	NOUN
fsr-3433	358	5	and	and	CCONJ
fsr-3433	358	6	standardized	standardized	ADJ
fsr-3433	358	7	odds	odd	NOUN
fsr-3433	358	8	ratio	ratio	NOUN
fsr-3433	358	9	,	,	PUNCT
fsr-3433	358	10	the	the	DET
fsr-3433	358	11	ames	ame	NOUN
fsr-3433	358	12	provide	provide	VERB
fsr-3433	358	13	ease	ease	NOUN
fsr-3433	358	14	in	in	ADP
fsr-3433	358	15	the	the	DET
fsr-3433	358	16	interpretation	interpretation	NOUN
fsr-3433	358	17	as	as	SCONJ
fsr-3433	358	18	the	the	DET
fsr-3433	358	19	values	value	NOUN
fsr-3433	358	20	of	of	ADP
fsr-3433	358	21	the	the	DET
fsr-3433	358	22	ames	ame	NOUN
fsr-3433	358	23	of	of	ADP
fsr-3433	358	24	each	each	DET
fsr-3433	358	25	variable	variable	NOUN
fsr-3433	358	26	are	be	AUX
fsr-3433	358	27	comparable	comparable	ADJ
fsr-3433	358	28	to	to	PART
fsr-3433	358	29	know	know	VERB
fsr-3433	358	30	the	the	DET
fsr-3433	358	31	relative	relative	ADJ
fsr-3433	358	32	strength	strength	NOUN
fsr-3433	358	33	of	of	ADP
fsr-3433	358	34	the	the	DET
fsr-3433	358	35	association	association	NOUN
fsr-3433	358	36	.	.	PUNCT
fsr-3433	359	1	the	the	DET
fsr-3433	359	2	ame	ame	PROPN
fsr-3433	359	3	of	of	ADP
fsr-3433	359	4	financial	financial	ADJ
fsr-3433	359	5	literacy	literacy	NOUN
fsr-3433	359	6	in	in	ADP
fsr-3433	359	7	the	the	DET
fsr-3433	359	8	first	first	ADJ
fsr-3433	359	9	model	model	NOUN
fsr-3433	359	10	of	of	ADP
fsr-3433	359	11	table	table	NOUN
fsr-3433	359	12	5	5	NUM
fsr-3433	359	13	can	can	AUX
fsr-3433	359	14	be	be	AUX
fsr-3433	359	15	interpreted	interpret	VERB
fsr-3433	359	16	as	as	ADP
fsr-3433	359	17	a	a	DET
fsr-3433	359	18	higher	high	ADJ
fsr-3433	359	19	financial	financial	ADJ
fsr-3433	359	20	literacy	literacy	NOUN
fsr-3433	359	21	score	score	NOUN
fsr-3433	359	22	decreases	decrease	VERB
fsr-3433	359	23	the	the	DET
fsr-3433	359	24	probability	probability	NOUN
fsr-3433	359	25	of	of	ADP
fsr-3433	359	26	having	have	VERB
fsr-3433	359	27	credit	credit	NOUN
fsr-3433	359	28	card	card	NOUN
fsr-3433	359	29	debt	debt	NOUN
fsr-3433	359	30	by	by	ADP
fsr-3433	359	31	1.8	1.8	NUM
fsr-3433	359	32	%	%	NOUN
fsr-3433	359	33	.	.	PUNCT
fsr-3433	360	1	the	the	DET
fsr-3433	360	2	second	second	ADJ
fsr-3433	360	3	model	model	NOUN
fsr-3433	360	4	adds	add	VERB
fsr-3433	360	5	dummy	dummy	ADJ
fsr-3433	360	6	variables	variable	NOUN
fsr-3433	360	7	of	of	ADP
fsr-3433	360	8	each	each	DET
fsr-3433	360	9	financial	financial	ADJ
fsr-3433	360	10	literacy	literacy	NOUN
fsr-3433	360	11	concept	concept	NOUN
fsr-3433	360	12	.	.	PUNCT
fsr-3433	361	1	the	the	DET
fsr-3433	361	2	analysis	analysis	NOUN
fsr-3433	361	3	shows	show	VERB
fsr-3433	361	4	that	that	SCONJ
fsr-3433	361	5	two	two	NUM
fsr-3433	361	6	of	of	ADP
fsr-3433	361	7	the	the	DET
fsr-3433	361	8	five	five	NUM
fsr-3433	361	9	dummy	dummy	ADJ
fsr-3433	361	10	variables	variable	NOUN
fsr-3433	361	11	(	(	PUNCT
fsr-3433	361	12	simple	simple	ADJ
fsr-3433	361	13	interest	interest	NOUN
fsr-3433	361	14	and	and	CCONJ
fsr-3433	361	15	risk	risk	NOUN
fsr-3433	361	16	and	and	CCONJ
fsr-3433	361	17	return	return	VERB
fsr-3433	361	18	)	)	PUNCT
fsr-3433	361	19	negatively	negatively	ADV
fsr-3433	361	20	relate	relate	VERB
fsr-3433	361	21	to	to	ADP
fsr-3433	361	22	credit	credit	NOUN
fsr-3433	361	23	card	card	NOUN
fsr-3433	361	24	debt	debt	NOUN
fsr-3433	361	25	.	.	PUNCT
fsr-3433	362	1	the	the	DET
fsr-3433	362	2	other	other	ADJ
fsr-3433	362	3	three	three	NUM
fsr-3433	362	4	financial	financial	ADJ
fsr-3433	362	5	literacy	literacy	NOUN
fsr-3433	362	6	dummy	dummy	ADJ
fsr-3433	362	7	variables	variable	NOUN
fsr-3433	362	8	are	be	AUX
fsr-3433	362	9	statistically	statistically	ADV
fsr-3433	362	10	insignificant	insignificant	ADJ
fsr-3433	362	11	.	.	PUNCT
fsr-3433	363	1	the	the	DET
fsr-3433	363	2	ames	ame	NOUN
fsr-3433	363	3	imply	imply	VERB
fsr-3433	363	4	that	that	SCONJ
fsr-3433	363	5	those	those	PRON
fsr-3433	363	6	who	who	PRON
fsr-3433	363	7	have	have	VERB
fsr-3433	363	8	knowledge	knowledge	NOUN
fsr-3433	363	9	about	about	ADP
fsr-3433	363	10	simple	simple	ADJ
fsr-3433	363	11	interest	interest	NOUN
fsr-3433	363	12	and	and	CCONJ
fsr-3433	363	13	risk	risk	NOUN
fsr-3433	363	14	and	and	CCONJ
fsr-3433	363	15	return	return	VERB
fsr-3433	363	16	concepts	concept	NOUN
fsr-3433	363	17	are	be	AUX
fsr-3433	363	18	less	less	ADV
fsr-3433	363	19	likely	likely	ADJ
fsr-3433	363	20	to	to	PART
fsr-3433	363	21	have	have	VERB
fsr-3433	363	22	credit	credit	NOUN
fsr-3433	363	23	card	card	NOUN
fsr-3433	363	24	debt	debt	NOUN
fsr-3433	363	25	by	by	ADP
fsr-3433	363	26	6.4	6.4	NUM
fsr-3433	363	27	%	%	NOUN
fsr-3433	363	28	and	and	CCONJ
fsr-3433	363	29	3.8	3.8	NUM
fsr-3433	363	30	%	%	NOUN
fsr-3433	363	31	,	,	PUNCT
fsr-3433	363	32	respectively	respectively	ADV
fsr-3433	363	33	.	.	PUNCT
fsr-3433	363	34	table	table	NOUN
fsr-3433	363	35	6	6	NUM
fsr-3433	363	36	below	below	ADV
fsr-3433	363	37	adds	add	VERB
fsr-3433	363	38	the	the	DET
fsr-3433	363	39	attitude	attitude	NOUN
fsr-3433	363	40	towards	towards	ADP
fsr-3433	363	41	balancing	balance	VERB
fsr-3433	363	42	spending	spending	NOUN
fsr-3433	363	43	and	and	CCONJ
fsr-3433	363	44	savings	saving	NOUN
fsr-3433	363	45	variable	variable	NOUN
fsr-3433	363	46	in	in	ADP
fsr-3433	363	47	the	the	DET
fsr-3433	363	48	analysis	analysis	NOUN
fsr-3433	363	49	.	.	PUNCT
fsr-3433	364	1	the	the	DET
fsr-3433	364	2	results	result	NOUN
fsr-3433	364	3	are	be	AUX
fsr-3433	364	4	comparable	comparable	ADJ
fsr-3433	364	5	to	to	ADP
fsr-3433	364	6	table	table	NOUN
fsr-3433	364	7	5	5	NUM
fsr-3433	364	8	above	above	ADV
fsr-3433	364	9	.	.	PUNCT
fsr-3433	365	1	in	in	ADP
fsr-3433	365	2	the	the	DET
fsr-3433	365	3	first	first	ADJ
fsr-3433	365	4	model	model	NOUN
fsr-3433	365	5	of	of	ADP
fsr-3433	365	6	table	table	NOUN
fsr-3433	365	7	6	6	NUM
fsr-3433	365	8	,	,	PUNCT
fsr-3433	365	9	we	we	PRON
fsr-3433	365	10	note	note	VERB
fsr-3433	365	11	the	the	DET
fsr-3433	365	12	same	same	ADJ
fsr-3433	365	13	statistical	statistical	ADJ
fsr-3433	365	14	significance	significance	NOUN
fsr-3433	365	15	level	level	NOUN
fsr-3433	365	16	of	of	ADP
fsr-3433	365	17	financial	financial	ADJ
fsr-3433	365	18	literacy	literacy	NOUN
fsr-3433	365	19	variable	variable	NOUN
fsr-3433	365	20	as	as	SCONJ
fsr-3433	365	21	noted	note	VERB
fsr-3433	365	22	in	in	ADP
fsr-3433	365	23	the	the	DET
fsr-3433	365	24	first	first	ADJ
fsr-3433	365	25	model	model	NOUN
fsr-3433	365	26	of	of	ADP
fsr-3433	365	27	table	table	NOUN
fsr-3433	365	28	5	5	NUM
fsr-3433	365	29	above	above	ADV
fsr-3433	365	30	.	.	PUNCT
fsr-3433	366	1	the	the	DET
fsr-3433	366	2	ame	ame	PROPN
fsr-3433	366	3	of	of	ADP
fsr-3433	366	4	financial	financial	ADJ
fsr-3433	366	5	literacy	literacy	NOUN
fsr-3433	366	6	in	in	ADP
fsr-3433	366	7	the	the	DET
fsr-3433	366	8	first	first	ADJ
fsr-3433	366	9	model	model	NOUN
fsr-3433	366	10	of	of	ADP
fsr-3433	366	11	table	table	NOUN
fsr-3433	366	12	6	6	NUM
fsr-3433	366	13	can	can	AUX
fsr-3433	366	14	be	be	AUX
fsr-3433	366	15	interpreted	interpret	VERB
fsr-3433	366	16	as	as	ADP
fsr-3433	366	17	a	a	DET
fsr-3433	366	18	higher	high	ADJ
fsr-3433	366	19	financial	financial	ADJ
fsr-3433	366	20	literacy	literacy	NOUN
fsr-3433	366	21	score	score	NOUN
fsr-3433	366	22	decreases	decrease	VERB
fsr-3433	366	23	the	the	DET
fsr-3433	366	24	probability	probability	NOUN
fsr-3433	366	25	of	of	ADP
fsr-3433	366	26	having	have	VERB
fsr-3433	366	27	credit	credit	NOUN
fsr-3433	366	28	card	card	NOUN
fsr-3433	366	29	debt	debt	NOUN
fsr-3433	366	30	by	by	ADP
fsr-3433	366	31	1.5	1.5	NUM
fsr-3433	366	32	%	%	NOUN
fsr-3433	366	33	,	,	PUNCT
fsr-3433	366	34	which	which	PRON
fsr-3433	366	35	is	be	AUX
fsr-3433	366	36	0.3	0.3	NUM
fsr-3433	366	37	percentage	percentage	NOUN
fsr-3433	366	38	points	point	NOUN
fsr-3433	366	39	lower	low	ADJ
fsr-3433	366	40	than	than	ADP
fsr-3433	366	41	the	the	DET
fsr-3433	366	42	one	one	NUM
fsr-3433	366	43	in	in	ADP
fsr-3433	366	44	table	table	NOUN
fsr-3433	366	45	5	5	NUM
fsr-3433	366	46	.	.	PUNCT
fsr-3433	366	47	further	far	ADV
fsr-3433	366	48	,	,	PUNCT
fsr-3433	366	49	the	the	DET
fsr-3433	366	50	second	second	ADJ
fsr-3433	366	51	model	model	NOUN
fsr-3433	366	52	of	of	ADP
fsr-3433	366	53	table	table	NOUN
fsr-3433	366	54	6	6	NUM
fsr-3433	366	55	shows	show	VERB
fsr-3433	366	56	that	that	SCONJ
fsr-3433	366	57	the	the	DET
fsr-3433	366	58	dummy	dummy	ADJ
fsr-3433	366	59	variables	variable	NOUN
fsr-3433	366	60	of	of	ADP
fsr-3433	366	61	simple	simple	ADJ
fsr-3433	366	62	interest	interest	NOUN
fsr-3433	366	63	and	and	CCONJ
fsr-3433	366	64	risk	risk	NOUN
fsr-3433	366	65	and	and	CCONJ
fsr-3433	366	66	return	return	VERB
fsr-3433	366	67	concepts	concept	NOUN
fsr-3433	366	68	are	be	AUX
fsr-3433	366	69	statistically	statistically	ADV
fsr-3433	366	70	significant	significant	ADJ
fsr-3433	366	71	.	.	PUNCT
fsr-3433	367	1	the	the	DET
fsr-3433	367	2	ames	ame	NOUN
fsr-3433	367	3	imply	imply	VERB
fsr-3433	367	4	that	that	SCONJ
fsr-3433	367	5	those	those	PRON
fsr-3433	367	6	who	who	PRON
fsr-3433	367	7	have	have	VERB
fsr-3433	367	8	knowledge	knowledge	NOUN
fsr-3433	367	9	about	about	ADP
fsr-3433	367	10	fig	fig	NOUN
fsr-3433	367	11	.	.	PUNCT
fsr-3433	368	1	7	7	X
fsr-3433	368	2	.	.	NUM
fsr-3433	368	3	percent	percent	NOUN
fsr-3433	368	4	comparison	comparison	NOUN
fsr-3433	368	5	of	of	ADP
fsr-3433	368	6	those	those	PRON
fsr-3433	368	7	who	who	PRON
fsr-3433	368	8	take	take	VERB
fsr-3433	368	9	on	on	ADP
fsr-3433	368	10	debt	debt	NOUN
fsr-3433	368	11	by	by	ADP
fsr-3433	368	12	age	age	NOUN
fsr-3433	368	13	(	(	PUNCT
fsr-3433	368	14	in	in	ADP
fsr-3433	368	15	years	year	NOUN
fsr-3433	368	16	)	)	PUNCT
fsr-3433	368	17	.	.	PUNCT
fsr-3433	369	1	m.	m.	PROPN
fsr-3433	369	2	s.	s.	PROPN
fsr-3433	369	3	tahir	tahir	PROPN
fsr-3433	369	4	et	et	PROPN
fsr-3433	369	5	al	al	PROPN
fsr-3433	369	6	.	.	PUNCT
fsr-3433	369	7	/	/	SYM
fsr-3433	369	8	financial	financial	ADJ
fsr-3433	369	9	services	service	NOUN
fsr-3433	369	10	review	review	VERB
fsr-3433	369	11	28	28	NUM
fsr-3433	369	12	(	(	PUNCT
fsr-3433	369	13	2020	2020	NUM
fsr-3433	369	14	)	)	PUNCT
fsr-3433	370	1	273–301	273–301	NUM
fsr-3433	370	2	287	287	NUM
fsr-3433	370	3	t	t	PROPN
fsr-3433	370	4	ab	ab	PROPN
fsr-3433	370	5	le	le	ADP
fsr-3433	370	6	4	4	NUM
fsr-3433	370	7	p	p	NOUN
fsr-3433	370	8	ai	ai	INTJ
fsr-3433	370	9	rw	rw	PROPN
fsr-3433	370	10	is	be	AUX
fsr-3433	370	11	e	e	NOUN
fsr-3433	370	12	co	co	PROPN
fsr-3433	370	13	rr	rr	PROPN
fsr-3433	370	14	el	el	PROPN
fsr-3433	370	15	at	at	ADP
fsr-3433	370	16	io	io	PROPN
fsr-3433	370	17	n	n	PRON
fsr-3433	370	18	an	an	PROPN
fsr-3433	370	19	al	al	PROPN
fsr-3433	370	20	y	y	PROPN
fsr-3433	371	1	si	si	PROPN
fsr-3433	371	2	s	s	PROPN
fsr-3433	371	3	o	o	X
fsr-3433	371	4	f	f	PROPN
fsr-3433	371	5	v	v	PROPN
fsr-3433	371	6	ar	ar	PROPN
fsr-3433	371	7	ia	ia	PROPN
fsr-3433	371	8	b	b	PROPN
fsr-3433	371	9	le	le	X
fsr-3433	371	10	s	s	PROPN
fsr-3433	371	11	1	1	NUM
fsr-3433	371	12	2	2	NUM
fsr-3433	371	13	3	3	NUM
fsr-3433	371	14	4	4	NUM
fsr-3433	371	15	5	5	NUM
fsr-3433	371	16	6	6	NUM
fsr-3433	371	17	7	7	NUM
fsr-3433	371	18	8	8	NUM
fsr-3433	371	19	9	9	NUM
fsr-3433	371	20	1	1	NUM
fsr-3433	371	21	.	.	PUNCT
fsr-3433	372	1	f	f	PROPN
fsr-3433	372	2	in	in	ADP
fsr-3433	372	3	an	an	DET
fsr-3433	372	4	ci	ci	PROPN
fsr-3433	372	5	al	al	PROPN
fsr-3433	372	6	li	li	PROPN
fsr-3433	372	7	te	te	PROPN
fsr-3433	372	8	ra	ra	PROPN
fsr-3433	372	9	cy	cy	PROPN
fsr-3433	372	10	2	2	NUM
fsr-3433	372	11	.	.	PUNCT
fsr-3433	373	1	a	a	DET
fsr-3433	373	2	tt	tt	PROPN
fsr-3433	373	3	it	it	PRON
fsr-3433	373	4	u	u	NOUN
fsr-3433	373	5	d	d	X
fsr-3433	373	6	e	e	X
fsr-3433	373	7	to	to	ADP
fsr-3433	373	8	w	w	PROPN
fsr-3433	373	9	ar	ar	PROPN
fsr-3433	374	1	d	d	PROPN
fsr-3433	374	2	s	s	PROPN
fsr-3433	374	3	b	b	PROPN
fsr-3433	374	4	al	al	PROPN
fsr-3433	374	5	an	an	DET
fsr-3433	374	6	ci	ci	PROPN
fsr-3433	374	7	n	n	CCONJ
fsr-3433	374	8	g	g	NOUN
fsr-3433	374	9	sp	sp	ADP
fsr-3433	374	10	en	en	X
fsr-3433	374	11	d	d	PROPN
fsr-3433	374	12	in	in	ADP
fsr-3433	374	13	g	g	PROPN
fsr-3433	374	14	an	an	DET
fsr-3433	374	15	d	d	X
fsr-3433	374	16	sa	sa	PROPN
fsr-3433	374	17	v	v	NOUN
fsr-3433	374	18	in	in	ADP
fsr-3433	374	19	g	g	PROPN
fsr-3433	374	20	s	s	PROPN
fsr-3433	374	21	0	0	NUM
fsr-3433	374	22	.0	.0	NUM
fsr-3433	374	23	4	4	NUM
fsr-3433	374	24	5	5	NUM
fsr-3433	374	25	*	*	PUNCT
fsr-3433	375	1	*	*	PUNCT
fsr-3433	375	2	*	*	PUNCT
fsr-3433	375	3	3	3	X
fsr-3433	375	4	.	.	PUNCT
fsr-3433	376	1	f	f	PROPN
fsr-3433	376	2	in	in	ADP
fsr-3433	376	3	an	an	DET
fsr-3433	376	4	ci	ci	PROPN
fsr-3433	376	5	al	al	PROPN
fsr-3433	376	6	sa	sa	PROPN
fsr-3433	376	7	ti	ti	PROPN
fsr-3433	376	8	sf	sf	INTJ
fsr-3433	376	9	ac	ac	PROPN
fsr-3433	376	10	ti	ti	PROPN
fsr-3433	376	11	o	o	NOUN
fsr-3433	376	12	n	n	PROPN
fsr-3433	376	13	0	0	NUM
fsr-3433	376	14	.0	.0	NUM
fsr-3433	376	15	6	6	NUM
fsr-3433	376	16	0	0	NUM
fsr-3433	377	1	*	*	PUNCT
fsr-3433	378	1	*	*	PUNCT
fsr-3433	378	2	*	*	PUNCT
fsr-3433	378	3	0	0	NUM
fsr-3433	379	1	.3	.3	NUM
fsr-3433	379	2	5	5	NUM
fsr-3433	379	3	7	7	NUM
fsr-3433	379	4	*	*	PUNCT
fsr-3433	380	1	*	*	PUNCT
fsr-3433	380	2	*	*	PUNCT
fsr-3433	380	3	4	4	NUM
fsr-3433	380	4	.	.	PUNCT
fsr-3433	381	1	c	c	NOUN
fsr-3433	381	2	re	re	PROPN
fsr-3433	381	3	d	d	NOUN
fsr-3433	381	4	it	it	PRON
fsr-3433	381	5	ca	can	AUX
fsr-3433	381	6	rd	rd	PROPN
fsr-3433	381	7	d	d	PROPN
fsr-3433	381	8	eb	eb	PROPN
fsr-3433	381	9	tta	tta	PROPN
fsr-3433	381	10	k	k	PROPN
fsr-3433	381	11	in	in	ADP
fsr-3433	381	12	g	g	PROPN
fsr-3433	381	13	b	b	PROPN
fsr-3433	381	14	eh	eh	INTJ
fsr-3433	381	15	av	av	PROPN
fsr-3433	381	16	io	io	PROPN
fsr-3433	381	17	r	r	PROPN
fsr-3433	381	18	�	�	PROPN
fsr-3433	381	19	0	0	NUM
fsr-3433	381	20	.0	.0	NUM
fsr-3433	381	21	7	7	NUM
fsr-3433	381	22	8	8	NUM
fsr-3433	381	23	*	*	PUNCT
fsr-3433	381	24	*	*	PUNCT
fsr-3433	381	25	*	*	PUNCT
fsr-3433	381	26	�	�	PROPN
fsr-3433	381	27	0	0	NUM
fsr-3433	381	28	.3	.3	NUM
fsr-3433	381	29	1	1	NUM
fsr-3433	381	30	6	6	NUM
fsr-3433	381	31	*	*	PUNCT
fsr-3433	381	32	*	*	PUNCT
fsr-3433	381	33	*	*	PUNCT
fsr-3433	381	34	�	�	PROPN
fsr-3433	381	35	0	0	NUM
fsr-3433	381	36	.3	.3	NUM
fsr-3433	381	37	5	5	NUM
fsr-3433	381	38	2	2	NUM
fsr-3433	381	39	*	*	PUNCT
fsr-3433	382	1	*	*	PUNCT
fsr-3433	382	2	*	*	PUNCT
fsr-3433	382	3	5	5	NUM
fsr-3433	382	4	.	.	PUNCT
fsr-3433	383	1	g	g	PROPN
fsr-3433	383	2	en	en	PROPN
fsr-3433	383	3	d	d	PROPN
fsr-3433	383	4	er	er	INTJ
fsr-3433	383	5	�	�	PROPN
fsr-3433	383	6	0	0	NUM
fsr-3433	383	7	.1	.1	NUM
fsr-3433	383	8	5	5	NUM
fsr-3433	383	9	5	5	NUM
fsr-3433	383	10	*	*	PUNCT
fsr-3433	383	11	*	*	PUNCT
fsr-3433	383	12	*	*	PUNCT
fsr-3433	383	13	�	�	PROPN
fsr-3433	383	14	0	0	NUM
fsr-3433	383	15	.0	.0	NUM
fsr-3433	383	16	1	1	NUM
fsr-3433	383	17	8	8	NUM
fsr-3433	383	18	�	�	NOUN
fsr-3433	383	19	0	0	NUM
fsr-3433	383	20	.0	.0	NUM
fsr-3433	383	21	3	3	NUM
fsr-3433	383	22	3	3	NUM
fsr-3433	383	23	*	*	PUNCT
fsr-3433	384	1	*	*	PUNCT
fsr-3433	384	2	*	*	PUNCT
fsr-3433	384	3	0	0	NUM
fsr-3433	385	1	.0	.0	NUM
fsr-3433	385	2	2	2	NUM
fsr-3433	385	3	5	5	NUM
fsr-3433	385	4	*	*	SYM
fsr-3433	385	5	6	6	NUM
fsr-3433	385	6	.	.	PUNCT
fsr-3433	386	1	a	a	DET
fsr-3433	386	2	g	g	NOUN
fsr-3433	386	3	e	e	NOUN
fsr-3433	386	4	0	0	PUNCT
fsr-3433	386	5	.1	.1	NUM
fsr-3433	386	6	4	4	NUM
fsr-3433	386	7	7	7	NUM
fsr-3433	386	8	*	*	PUNCT
fsr-3433	387	1	*	*	PUNCT
fsr-3433	387	2	*	*	PUNCT
fsr-3433	387	3	0	0	NUM
fsr-3433	387	4	.1	.1	NUM
fsr-3433	387	5	3	3	NUM
fsr-3433	387	6	9	9	NUM
fsr-3433	387	7	*	*	PUNCT
fsr-3433	388	1	*	*	PUNCT
fsr-3433	388	2	*	*	PUNCT
fsr-3433	388	3	0	0	NUM
fsr-3433	389	1	.0	.0	NUM
fsr-3433	389	2	5	5	NUM
fsr-3433	389	3	9	9	NUM
fsr-3433	389	4	*	*	PUNCT
fsr-3433	389	5	*	*	PUNCT
fsr-3433	389	6	*	*	PUNCT
fsr-3433	389	7	�	�	PROPN
fsr-3433	389	8	0	0	NUM
fsr-3433	389	9	.0	.0	NUM
fsr-3433	389	10	7	7	NUM
fsr-3433	389	11	6	6	NUM
fsr-3433	389	12	*	*	PUNCT
fsr-3433	389	13	*	*	PUNCT
fsr-3433	389	14	*	*	PUNCT
fsr-3433	389	15	�	�	PROPN
fsr-3433	389	16	0	0	NUM
fsr-3433	389	17	.0	.0	NUM
fsr-3433	389	18	1	1	NUM
fsr-3433	389	19	8	8	NUM
fsr-3433	389	20	7	7	NUM
fsr-3433	389	21	.	.	PUNCT
fsr-3433	390	1	in	in	ADP
fsr-3433	390	2	co	co	NOUN
fsr-3433	390	3	m	m	PROPN
fsr-3433	390	4	e	e	NOUN
fsr-3433	390	5	0	0	NUM
fsr-3433	390	6	.1	.1	NUM
fsr-3433	390	7	4	4	NUM
fsr-3433	390	8	8	8	NUM
fsr-3433	390	9	*	*	PUNCT
fsr-3433	390	10	*	*	PUNCT
fsr-3433	391	1	*	*	PUNCT
fsr-3433	391	2	0	0	NUM
fsr-3433	392	1	.0	.0	NUM
fsr-3433	392	2	6	6	NUM
fsr-3433	392	3	0	0	NUM
fsr-3433	392	4	*	*	PUNCT
fsr-3433	393	1	*	*	PUNCT
fsr-3433	393	2	*	*	PUNCT
fsr-3433	393	3	0	0	NUM
fsr-3433	393	4	.1	.1	NUM
fsr-3433	393	5	6	6	NUM
fsr-3433	393	6	2	2	NUM
fsr-3433	393	7	*	*	PUNCT
fsr-3433	393	8	*	*	PUNCT
fsr-3433	393	9	*	*	PUNCT
fsr-3433	393	10	�	�	PROPN
fsr-3433	393	11	0	0	NUM
fsr-3433	393	12	.0	.0	NUM
fsr-3433	393	13	9	9	NUM
fsr-3433	393	14	7	7	NUM
fsr-3433	393	15	*	*	PUNCT
fsr-3433	393	16	*	*	PUNCT
fsr-3433	393	17	*	*	PUNCT
fsr-3433	393	18	�	�	PROPN
fsr-3433	393	19	0	0	NUM
fsr-3433	393	20	.1	.1	NUM
fsr-3433	393	21	8	8	NUM
fsr-3433	393	22	1	1	NUM
fsr-3433	393	23	*	*	PUNCT
fsr-3433	394	1	*	*	PUNCT
fsr-3433	394	2	*	*	PUNCT
fsr-3433	394	3	0	0	NUM
fsr-3433	395	1	.0	.0	NUM
fsr-3433	395	2	9	9	NUM
fsr-3433	395	3	3	3	NUM
fsr-3433	395	4	*	*	PUNCT
fsr-3433	395	5	*	*	PUNCT
fsr-3433	396	1	*	*	PUNCT
fsr-3433	396	2	8	8	NUM
fsr-3433	396	3	.	.	PUNCT
fsr-3433	397	1	e	e	X
fsr-3433	397	2	m	m	PROPN
fsr-3433	397	3	p	p	PROPN
fsr-3433	397	4	lo	lo	PROPN
fsr-3433	397	5	y	y	NOUN
fsr-3433	397	6	m	m	PROPN
fsr-3433	397	7	en	en	PROPN
fsr-3433	397	8	t	t	PROPN
fsr-3433	397	9	st	st	PROPN
fsr-3433	397	10	at	at	ADP
fsr-3433	397	11	u	u	PROPN
fsr-3433	397	12	s	s	PROPN
fsr-3433	397	13	0	0	NUM
fsr-3433	397	14	.8	.8	NUM
fsr-3433	397	15	2	2	NUM
fsr-3433	397	16	8	8	NUM
fsr-3433	397	17	*	*	PUNCT
fsr-3433	398	1	*	*	PUNCT
fsr-3433	398	2	*	*	PUNCT
fsr-3433	398	3	0	0	NUM
fsr-3433	399	1	.0	.0	NUM
fsr-3433	399	2	1	1	NUM
fsr-3433	399	3	6	6	NUM
fsr-3433	399	4	0	0	NUM
fsr-3433	399	5	.1	.1	NUM
fsr-3433	399	6	1	1	NUM
fsr-3433	399	7	5	5	NUM
fsr-3433	399	8	*	*	PUNCT
fsr-3433	399	9	*	*	PUNCT
fsr-3433	399	10	*	*	PUNCT
fsr-3433	399	11	�	�	PROPN
fsr-3433	399	12	0	0	NUM
fsr-3433	400	1	.0	.0	NUM
fsr-3433	400	2	0	0	NUM
fsr-3433	400	3	6	6	NUM
fsr-3433	400	4	�	�	PROPN
fsr-3433	400	5	0	0	NUM
fsr-3433	400	6	.1	.1	NUM
fsr-3433	400	7	8	8	NUM
fsr-3433	400	8	1	1	NUM
fsr-3433	400	9	*	*	PUNCT
fsr-3433	400	10	*	*	PUNCT
fsr-3433	400	11	*	*	PUNCT
fsr-3433	400	12	�	�	PROPN
fsr-3433	400	13	0	0	NUM
fsr-3433	400	14	.0	.0	NUM
fsr-3433	401	1	1	1	NUM
fsr-3433	401	2	1	1	NUM
fsr-3433	401	3	0	0	NUM
fsr-3433	401	4	.1	.1	NUM
fsr-3433	401	5	4	4	NUM
fsr-3433	401	6	6	6	NUM
fsr-3433	401	7	*	*	PUNCT
fsr-3433	402	1	*	*	PUNCT
fsr-3433	402	2	*	*	PUNCT
fsr-3433	402	3	9	9	NUM
fsr-3433	402	4	.	.	PUNCT
fsr-3433	403	1	m	m	AUX
fsr-3433	403	2	ar	ar	VERB
fsr-3433	403	3	it	it	PRON
fsr-3433	403	4	al	al	PROPN
fsr-3433	403	5	st	st	PROPN
fsr-3433	403	6	at	at	ADP
fsr-3433	403	7	u	u	PROPN
fsr-3433	403	8	s	s	PROPN
fsr-3433	403	9	0	0	NUM
fsr-3433	403	10	.0	.0	NUM
fsr-3433	403	11	8	8	NUM
fsr-3433	403	12	4	4	NUM
fsr-3433	404	1	*	*	PUNCT
fsr-3433	405	1	*	*	PUNCT
fsr-3433	406	1	*	*	PUNCT
fsr-3433	406	2	0	0	NUM
fsr-3433	407	1	.0	.0	NUM
fsr-3433	407	2	6	6	NUM
fsr-3433	407	3	4	4	NUM
fsr-3433	407	4	*	*	PUNCT
fsr-3433	408	1	*	*	PUNCT
fsr-3433	408	2	*	*	PUNCT
fsr-3433	408	3	0	0	NUM
fsr-3433	408	4	.1	.1	NUM
fsr-3433	408	5	5	5	NUM
fsr-3433	408	6	9	9	NUM
fsr-3433	408	7	*	*	PUNCT
fsr-3433	408	8	*	*	PUNCT
fsr-3433	408	9	*	*	PUNCT
fsr-3433	408	10	�	�	PROPN
fsr-3433	408	11	0	0	NUM
fsr-3433	408	12	.0	.0	NUM
fsr-3433	408	13	9	9	NUM
fsr-3433	408	14	6	6	NUM
fsr-3433	408	15	*	*	PUNCT
fsr-3433	408	16	*	*	PUNCT
fsr-3433	408	17	*	*	PUNCT
fsr-3433	408	18	�	�	PROPN
fsr-3433	408	19	0	0	NUM
fsr-3433	408	20	.0	.0	NUM
fsr-3433	408	21	2	2	NUM
fsr-3433	408	22	8	8	NUM
fsr-3433	408	23	*	*	SYM
fsr-3433	408	24	0	0	NUM
fsr-3433	408	25	.1	.1	NUM
fsr-3433	408	26	9	9	NUM
fsr-3433	408	27	9	9	NUM
fsr-3433	408	28	*	*	PUNCT
fsr-3433	409	1	*	*	PUNCT
fsr-3433	409	2	*	*	PUNCT
fsr-3433	409	3	0	0	NUM
fsr-3433	410	1	.0	.0	NUM
fsr-3433	410	2	4	4	NUM
fsr-3433	410	3	9	9	NUM
fsr-3433	410	4	*	*	PUNCT
fsr-3433	410	5	*	*	PUNCT
fsr-3433	410	6	*	*	PUNCT
fsr-3433	410	7	�	�	PROPN
fsr-3433	410	8	0	0	NUM
fsr-3433	410	9	.0	.0	NUM
fsr-3433	410	10	2	2	NUM
fsr-3433	410	11	8	8	NUM
fsr-3433	410	12	*	*	SYM
fsr-3433	410	13	1	1	NUM
fsr-3433	410	14	0	0	NUM
fsr-3433	410	15	.	.	PUNCT
fsr-3433	411	1	e	e	X
fsr-3433	411	2	d	d	X
fsr-3433	411	3	u	u	PRON
fsr-3433	411	4	ca	can	AUX
fsr-3433	411	5	ti	ti	NOUN
fsr-3433	411	6	o	o	PROPN
fsr-3433	411	7	n	n	X
fsr-3433	411	8	st	st	PROPN
fsr-3433	411	9	at	at	ADP
fsr-3433	411	10	u	u	PROPN
fsr-3433	411	11	s	s	PART
fsr-3433	411	12	0	0	NUM
fsr-3433	411	13	.1	.1	NUM
fsr-3433	411	14	8	8	NUM
fsr-3433	411	15	1	1	NUM
fsr-3433	412	1	*	*	PUNCT
fsr-3433	413	1	*	*	PUNCT
fsr-3433	413	2	*	*	PUNCT
fsr-3433	413	3	0	0	NUM
fsr-3433	414	1	.0	.0	NUM
fsr-3433	414	2	4	4	NUM
fsr-3433	414	3	0	0	NUM
fsr-3433	415	1	*	*	PUNCT
fsr-3433	416	1	*	*	PUNCT
fsr-3433	416	2	0	0	NUM
fsr-3433	416	3	.1	.1	NUM
fsr-3433	416	4	2	2	NUM
fsr-3433	416	5	3	3	NUM
fsr-3433	416	6	*	*	PUNCT
fsr-3433	416	7	*	*	PUNCT
fsr-3433	416	8	*	*	PUNCT
fsr-3433	416	9	�	�	PROPN
fsr-3433	416	10	0	0	NUM
fsr-3433	416	11	.1	.1	NUM
fsr-3433	416	12	5	5	NUM
fsr-3433	416	13	0	0	NUM
fsr-3433	417	1	*	*	PUNCT
fsr-3433	418	1	*	*	PUNCT
fsr-3433	418	2	*	*	PUNCT
fsr-3433	418	3	0	0	NUM
fsr-3433	419	1	.0	.0	NUM
fsr-3433	419	2	8	8	NUM
fsr-3433	419	3	5	5	NUM
fsr-3433	419	4	*	*	PUNCT
fsr-3433	419	5	*	*	PUNCT
fsr-3433	419	6	*	*	PUNCT
fsr-3433	419	7	�	�	PROPN
fsr-3433	419	8	0	0	NUM
fsr-3433	419	9	.0	.0	NUM
fsr-3433	419	10	6	6	NUM
fsr-3433	419	11	3	3	NUM
fsr-3433	419	12	*	*	PUNCT
fsr-3433	420	1	*	*	PUNCT
fsr-3433	421	1	*	*	PUNCT
fsr-3433	421	2	0	0	NUM
fsr-3433	421	3	.1	.1	NUM
fsr-3433	421	4	8	8	NUM
fsr-3433	421	5	1	1	NUM
fsr-3433	421	6	*	*	PUNCT
fsr-3433	421	7	*	*	PUNCT
fsr-3433	422	1	*	*	PUNCT
fsr-3433	422	2	0	0	NUM
fsr-3433	423	1	.0	.0	NUM
fsr-3433	423	2	5	5	NUM
fsr-3433	423	3	4	4	NUM
fsr-3433	423	4	*	*	PUNCT
fsr-3433	424	1	*	*	PUNCT
fsr-3433	424	2	*	*	PUNCT
fsr-3433	424	3	0	0	NUM
fsr-3433	425	1	.0	.0	NUM
fsr-3433	425	2	8	8	NUM
fsr-3433	425	3	7	7	NUM
fsr-3433	425	4	*	*	PUNCT
fsr-3433	426	1	*	*	PUNCT
fsr-3433	427	1	*	*	PUNCT
fsr-3433	428	1	*	*	PUNCT
fsr-3433	429	1	*	*	PUNCT
fsr-3433	429	2	*	*	PUNCT
fsr-3433	429	3	p	p	X
fsr-3433	429	4	<	<	X
fsr-3433	429	5	.0	.0	NUM
fsr-3433	429	6	0	0	NUM
fsr-3433	429	7	1	1	NUM
fsr-3433	429	8	,	,	PUNCT
fsr-3433	429	9	*	*	PUNCT
fsr-3433	429	10	*	*	PUNCT
fsr-3433	430	1	p	p	X
fsr-3433	430	2	<	<	X
fsr-3433	430	3	.0	.0	NUM
fsr-3433	430	4	1	1	NUM
fsr-3433	430	5	,	,	PUNCT
fsr-3433	430	6	*	*	PUNCT
fsr-3433	430	7	p	p	X
fsr-3433	430	8	<	<	X
fsr-3433	430	9	.0	.0	NUM
fsr-3433	430	10	5	5	NUM
fsr-3433	430	11	.	.	PUNCT
fsr-3433	431	1	n	n	NOUN
fsr-3433	431	2	=	=	NUM
fsr-3433	431	3	6	6	NUM
fsr-3433	431	4	,	,	PUNCT
fsr-3433	431	5	6	6	NUM
fsr-3433	431	6	6	6	NUM
fsr-3433	431	7	1	1	NUM
fsr-3433	431	8	.	.	PUNCT
fsr-3433	432	1	288	288	NUM
fsr-3433	432	2	m.	m.	NOUN
fsr-3433	432	3	s.	s.	PROPN
fsr-3433	432	4	tahir	tahir	PROPN
fsr-3433	432	5	et	et	PROPN
fsr-3433	432	6	al	al	PROPN
fsr-3433	432	7	.	.	PUNCT
fsr-3433	432	8	/	/	SYM
fsr-3433	432	9	financial	financial	ADJ
fsr-3433	432	10	services	service	NOUN
fsr-3433	432	11	review	review	VERB
fsr-3433	432	12	28	28	NUM
fsr-3433	432	13	(	(	PUNCT
fsr-3433	432	14	2020	2020	NUM
fsr-3433	432	15	)	)	PUNCT
fsr-3433	433	1	273–301	273–301	NUM
fsr-3433	433	2	t	t	PROPN
fsr-3433	433	3	ab	ab	X
fsr-3433	433	4	le	le	PROPN
fsr-3433	433	5	5	5	NUM
fsr-3433	433	6	b	b	PROPN
fsr-3433	433	7	in	in	ADP
fsr-3433	433	8	ar	ar	PROPN
fsr-3433	433	9	y	y	PROPN
fsr-3433	433	10	lo	lo	PROPN
fsr-3433	433	11	g	g	PROPN
fsr-3433	433	12	is	be	AUX
fsr-3433	433	13	ti	ti	X
fsr-3433	433	14	c	c	NOUN
fsr-3433	433	15	re	re	ADP
fsr-3433	433	16	g	g	PROPN
fsr-3433	433	17	re	re	ADP
fsr-3433	433	18	ss	ss	PROPN
fsr-3433	433	19	io	io	PROPN
fsr-3433	433	20	n	n	PROPN
fsr-3433	433	21	an	an	PROPN
fsr-3433	433	22	al	al	PROPN
fsr-3433	433	23	y	y	PROPN
fsr-3433	433	24	si	si	PROPN
fsr-3433	433	25	s	s	PROPN
fsr-3433	433	26	o	o	X
fsr-3433	433	27	f	f	X
fsr-3433	434	1	cr	cr	INTJ
fsr-3433	434	2	ed	ed	PROPN
fsr-3433	435	1	it	it	PRON
fsr-3433	435	2	ca	can	AUX
fsr-3433	435	3	rd	rd	PROPN
fsr-3433	435	4	d	d	PROPN
fsr-3433	435	5	eb	eb	PROPN
fsr-3433	435	6	tta	tta	PROPN
fsr-3433	435	7	k	k	PROPN
fsr-3433	435	8	in	in	ADP
fsr-3433	435	9	g	g	PROPN
fsr-3433	435	10	b	b	PROPN
fsr-3433	435	11	eh	eh	INTJ
fsr-3433	435	12	av	av	PROPN
fsr-3433	435	13	io	io	PROPN
fsr-3433	436	1	r	r	NOUN
fsr-3433	436	2	:	:	PUNCT
fsr-3433	436	3	p	p	NOUN
fsr-3433	436	4	h	h	NOUN
fsr-3433	436	5	as	as	ADP
fsr-3433	436	6	e	e	X
fsr-3433	436	7	1	1	NUM
fsr-3433	436	8	m	m	NOUN
fsr-3433	436	9	o	o	NOUN
fsr-3433	437	1	d	d	X
fsr-3433	437	2	el	el	PROPN
fsr-3433	437	3	1	1	NUM
fsr-3433	437	4	m	m	NOUN
fsr-3433	437	5	o	o	NOUN
fsr-3433	437	6	d	d	X
fsr-3433	437	7	el	el	PROPN
fsr-3433	437	8	2	2	NUM
fsr-3433	437	9	a	a	DET
fsr-3433	437	10	m	m	NOUN
fsr-3433	437	11	e	e	NOUN
fsr-3433	437	12	o	o	NOUN
fsr-3433	437	13	r	r	NOUN
fsr-3433	437	14	s	s	NOUN
fsr-3433	437	15	o	o	NOUN
fsr-3433	437	16	r	r	NOUN
fsr-3433	437	17	a	a	DET
fsr-3433	437	18	m	m	NOUN
fsr-3433	437	19	e	e	NOUN
fsr-3433	438	1	o	o	NOUN
fsr-3433	438	2	r	r	NOUN
fsr-3433	438	3	s	s	NOUN
fsr-3433	438	4	o	o	NOUN
fsr-3433	438	5	r	r	NOUN
fsr-3433	438	6	f	f	NOUN
fsr-3433	438	7	in	in	ADP
fsr-3433	438	8	an	an	DET
fsr-3433	438	9	ci	ci	PROPN
fsr-3433	438	10	al	al	PROPN
fsr-3433	438	11	li	li	PROPN
fsr-3433	438	12	te	te	PROPN
fsr-3433	438	13	ra	ra	PROPN
fsr-3433	438	14	cy	cy	PROPN
fsr-3433	438	15	�	�	PROPN
fsr-3433	438	16	0	0	NUM
fsr-3433	438	17	.0	.0	NUM
fsr-3433	438	18	1	1	NUM
fsr-3433	438	19	8	8	NUM
fsr-3433	438	20	*	*	PUNCT
fsr-3433	439	1	*	*	PUNCT
fsr-3433	439	2	0	0	PUNCT
fsr-3433	439	3	.9	.9	NUM
fsr-3433	439	4	1	1	NUM
fsr-3433	439	5	4	4	NUM
fsr-3433	439	6	*	*	PUNCT
fsr-3433	439	7	*	*	PUNCT
fsr-3433	439	8	(	(	PUNCT
fsr-3433	439	9	0	0	NUM
fsr-3433	439	10	.0	.0	NUM
fsr-3433	439	11	2	2	NUM
fsr-3433	439	12	8	8	NUM
fsr-3433	439	13	)	)	PUNCT
fsr-3433	439	14	0	0	NUM
fsr-3433	440	1	.9	.9	NUM
fsr-3433	440	2	2	2	NUM
fsr-3433	440	3	0	0	NUM
fsr-3433	441	1	*	*	PUNCT
fsr-3433	442	1	*	*	PUNCT
fsr-3433	442	2	in	in	ADP
fsr-3433	442	3	fl	fl	PROPN
fsr-3433	442	4	at	at	ADP
fsr-3433	442	5	io	io	PROPN
fsr-3433	442	6	n	n	PRON
fsr-3433	442	7	�	�	PROPN
fsr-3433	442	8	0	0	NUM
fsr-3433	442	9	.0	.0	NUM
fsr-3433	442	10	0	0	NUM
fsr-3433	443	1	4	4	NUM
fsr-3433	443	2	0	0	NUM
fsr-3433	443	3	.9	.9	NUM
fsr-3433	443	4	8	8	NUM
fsr-3433	443	5	1	1	NUM
fsr-3433	443	6	(	(	PUNCT
fsr-3433	443	7	0	0	NUM
fsr-3433	443	8	.0	.0	NUM
fsr-3433	443	9	7	7	NUM
fsr-3433	443	10	2	2	NUM
fsr-3433	443	11	)	)	PUNCT
fsr-3433	443	12	0	0	NUM
fsr-3433	444	1	.9	.9	NUM
fsr-3433	444	2	9	9	NUM
fsr-3433	444	3	2	2	NUM
fsr-3433	444	4	p	p	NOUN
fsr-3433	444	5	o	o	X
fsr-3433	445	1	rt	rt	INTJ
fsr-3433	446	1	fo	fo	INTJ
fsr-3433	446	2	li	li	PROPN
fsr-3433	447	1	o	o	NOUN
fsr-3433	447	2	ch	ch	NOUN
fsr-3433	447	3	o	o	X
fsr-3433	447	4	ic	ic	PROPN
fsr-3433	447	5	e	e	X
fsr-3433	447	6	�	�	PROPN
fsr-3433	447	7	0	0	NUM
fsr-3433	447	8	.0	.0	NUM
fsr-3433	447	9	2	2	NUM
fsr-3433	447	10	9	9	NUM
fsr-3433	447	11	0	0	NUM
fsr-3433	447	12	.8	.8	NUM
fsr-3433	447	13	6	6	NUM
fsr-3433	447	14	0	0	NUM
fsr-3433	447	15	(	(	PUNCT
fsr-3433	447	16	0	0	NUM
fsr-3433	447	17	.0	.0	NUM
fsr-3433	447	18	6	6	NUM
fsr-3433	447	19	8	8	NUM
fsr-3433	447	20	)	)	PUNCT
fsr-3433	447	21	0	0	NUM
fsr-3433	448	1	.9	.9	NUM
fsr-3433	448	2	4	4	NUM
fsr-3433	448	3	9	9	NUM
fsr-3433	448	4	s	s	VERB
fsr-3433	448	5	i	i	NOUN
fsr-3433	448	6	m	m	VERB
fsr-3433	448	7	p	p	X
fsr-3433	448	8	le	le	X
fsr-3433	448	9	in	in	ADP
fsr-3433	448	10	te	te	PROPN
fsr-3433	448	11	re	re	PROPN
fsr-3433	448	12	st	st	PROPN
fsr-3433	448	13	�	�	PROPN
fsr-3433	448	14	0	0	NUM
fsr-3433	448	15	.0	.0	NUM
fsr-3433	448	16	6	6	NUM
fsr-3433	448	17	4	4	NUM
fsr-3433	448	18	*	*	PUNCT
fsr-3433	449	1	*	*	PUNCT
fsr-3433	449	2	0	0	NUM
fsr-3433	450	1	.7	.7	NUM
fsr-3433	450	2	2	2	NUM
fsr-3433	450	3	0	0	NUM
fsr-3433	451	1	*	*	PUNCT
fsr-3433	451	2	*	*	PUNCT
fsr-3433	451	3	(	(	PUNCT
fsr-3433	451	4	0	0	NUM
fsr-3433	451	5	.0	.0	NUM
fsr-3433	451	6	8	8	NUM
fsr-3433	451	7	3	3	NUM
fsr-3433	451	8	)	)	PUNCT
fsr-3433	451	9	0	0	NUM
fsr-3433	452	1	.9	.9	NUM
fsr-3433	452	2	2	2	NUM
fsr-3433	452	3	5	5	NUM
fsr-3433	452	4	*	*	PUNCT
fsr-3433	452	5	*	*	PUNCT
fsr-3433	453	1	t	t	X
fsr-3433	453	2	i	i	PRON
fsr-3433	453	3	m	m	VERB
fsr-3433	453	4	e	e	NOUN
fsr-3433	453	5	v	v	NUM
fsr-3433	453	6	al	al	PROPN
fsr-3433	453	7	u	u	PROPN
fsr-3433	453	8	e	e	NOUN
fsr-3433	453	9	o	o	NOUN
fsr-3433	453	10	f	f	X
fsr-3433	453	11	m	m	VERB
fsr-3433	453	12	o	o	NOUN
fsr-3433	453	13	n	n	INTJ
fsr-3433	453	14	ey	ey	INTJ
fsr-3433	453	15	0	0	NUM
fsr-3433	453	16	.0	.0	NUM
fsr-3433	453	17	2	2	NUM
fsr-3433	453	18	6	6	NUM
fsr-3433	453	19	1	1	NUM
fsr-3433	453	20	.1	.1	NUM
fsr-3433	453	21	4	4	NUM
fsr-3433	453	22	1	1	NUM
fsr-3433	453	23	(	(	PUNCT
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fsr-3433	456	31	)	)	PUNCT
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fsr-3433	458	8	)	)	PUNCT
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fsr-3433	459	7	*	*	PUNCT
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fsr-3433	460	5	4	4	NUM
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fsr-3433	460	7	*	*	PUNCT
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fsr-3433	462	1	*	*	PUNCT
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fsr-3433	463	3	a	a	DET
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fsr-3433	469	9	*	*	PUNCT
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fsr-3433	477	4	*	*	PUNCT
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fsr-3433	477	31	)	)	PUNCT
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fsr-3433	496	8	0	0	NUM
fsr-3433	496	9	.1	.1	NUM
fsr-3433	496	10	2	2	NUM
fsr-3433	496	11	4	4	NUM
fsr-3433	496	12	*	*	PUNCT
fsr-3433	497	1	*	*	PUNCT
fsr-3433	498	1	*	*	PUNCT
fsr-3433	498	2	0	0	NUM
fsr-3433	499	1	.5	.5	NUM
fsr-3433	499	2	3	3	NUM
fsr-3433	499	3	0	0	NUM
fsr-3433	500	1	*	*	PUNCT
fsr-3433	501	1	*	*	PUNCT
fsr-3433	501	2	*	*	PUNCT
fsr-3433	501	3	(	(	PUNCT
fsr-3433	501	4	0	0	NUM
fsr-3433	501	5	.0	.0	NUM
fsr-3433	501	6	3	3	NUM
fsr-3433	501	7	3	3	NUM
fsr-3433	501	8	)	)	PUNCT
fsr-3433	501	9	0	0	NUM
fsr-3433	502	1	.7	.7	NUM
fsr-3433	502	2	3	3	NUM
fsr-3433	502	3	2	2	NUM
fsr-3433	502	4	*	*	PUNCT
fsr-3433	503	1	*	*	PUNCT
fsr-3433	503	2	*	*	PUNCT
fsr-3433	503	3	c	c	X
fsr-3433	503	4	o	o	X
fsr-3433	503	5	n	n	PRON
fsr-3433	503	6	st	st	PROPN
fsr-3433	503	7	an	an	DET
fsr-3433	503	8	t	t	PROPN
fsr-3433	503	9	0	0	NUM
fsr-3433	503	10	.0	.0	NUM
fsr-3433	503	11	9	9	NUM
fsr-3433	503	12	6	6	NUM
fsr-3433	504	1	*	*	PUNCT
fsr-3433	504	2	*	*	PUNCT
fsr-3433	504	3	*	*	PUNCT
fsr-3433	504	4	(	(	PUNCT
fsr-3433	504	5	0	0	NUM
fsr-3433	504	6	.0	.0	NUM
fsr-3433	504	7	3	3	NUM
fsr-3433	504	8	4	4	NUM
fsr-3433	504	9	)	)	PUNCT
fsr-3433	504	10	0	0	NUM
fsr-3433	505	1	.1	.1	NUM
fsr-3433	505	2	0	0	NUM
fsr-3433	505	3	2	2	NUM
fsr-3433	505	4	*	*	PUNCT
fsr-3433	506	1	*	*	PUNCT
fsr-3433	506	2	*	*	PUNCT
fsr-3433	506	3	(	(	PUNCT
fsr-3433	506	4	0	0	NUM
fsr-3433	506	5	.0	.0	NUM
fsr-3433	506	6	3	3	NUM
fsr-3433	506	7	7	7	NUM
fsr-3433	506	8	)	)	PUNCT
fsr-3433	506	9	n	n	PRON
fsr-3433	506	10	6	6	NUM
fsr-3433	506	11	,	,	PUNCT
fsr-3433	506	12	6	6	NUM
fsr-3433	506	13	6	6	NUM
fsr-3433	506	14	1	1	NUM
fsr-3433	506	15	6	6	NUM
fsr-3433	506	16	,	,	PUNCT
fsr-3433	506	17	6	6	NUM
fsr-3433	506	18	6	6	NUM
fsr-3433	506	19	1	1	NUM
fsr-3433	506	20	p	p	NOUN
fsr-3433	506	21	se	se	X
fsr-3433	506	22	u	u	PROPN
fsr-3433	507	1	d	d	X
fsr-3433	507	2	o	o	NOUN
fsr-3433	507	3	r	r	NOUN
fsr-3433	507	4	2	2	NUM
fsr-3433	507	5	0	0	NUM
fsr-3433	507	6	.0	.0	NUM
fsr-3433	507	7	4	4	NUM
fsr-3433	507	8	7	7	NUM
fsr-3433	507	9	0	0	NUM
fsr-3433	507	10	.0	.0	NUM
fsr-3433	507	11	4	4	NUM
fsr-3433	507	12	8	8	NUM
fsr-3433	507	13	x	x	SYM
fsr-3433	507	14	2	2	NUM
fsr-3433	507	15	v	v	NOUN
fsr-3433	507	16	al	al	PROPN
fsr-3433	507	17	u	u	PROPN
fsr-3433	507	18	e	e	PROPN
fsr-3433	507	19	3	3	NUM
fsr-3433	507	20	7	7	NUM
fsr-3433	507	21	5	5	NUM
fsr-3433	507	22	.0	.0	NUM
fsr-3433	507	23	4	4	NUM
fsr-3433	507	24	*	*	PUNCT
fsr-3433	507	25	*	*	PUNCT
fsr-3433	507	26	*	*	PUNCT
fsr-3433	507	27	3	3	NUM
fsr-3433	507	28	8	8	NUM
fsr-3433	507	29	8	8	NUM
fsr-3433	507	30	.2	.2	NUM
fsr-3433	507	31	6	6	NUM
fsr-3433	507	32	*	*	PUNCT
fsr-3433	508	1	*	*	PUNCT
fsr-3433	508	2	*	*	PUNCT
fsr-3433	508	3	p	p	NOUN
fsr-3433	508	4	ea	ea	INTJ
fsr-3433	508	5	rs	rs	NOUN
fsr-3433	508	6	o	o	PROPN
fsr-3433	509	1	n	n	CCONJ
fsr-3433	509	2	x	x	SYM
fsr-3433	509	3	2	2	NUM
fsr-3433	509	4	6	6	NUM
fsr-3433	509	5	9	9	NUM
fsr-3433	509	6	5	5	NUM
fsr-3433	509	7	6	6	NUM
fsr-3433	509	8	.2	.2	NUM
fsr-3433	509	9	6	6	NUM
fsr-3433	510	1	*	*	PUNCT
fsr-3433	510	2	*	*	PUNCT
fsr-3433	510	3	6	6	NUM
fsr-3433	510	4	9	9	NUM
fsr-3433	510	5	6	6	NUM
fsr-3433	510	6	6	6	NUM
fsr-3433	510	7	.9	.9	NUM
fsr-3433	510	8	9	9	NUM
fsr-3433	510	9	*	*	PUNCT
fsr-3433	510	10	*	*	PUNCT
fsr-3433	511	1	*	*	PUNCT
fsr-3433	512	1	*	*	PUNCT
fsr-3433	512	2	*	*	PUNCT
fsr-3433	512	3	p	p	X
fsr-3433	512	4	<	<	X
fsr-3433	512	5	.0	.0	NUM
fsr-3433	512	6	0	0	NUM
fsr-3433	512	7	1	1	NUM
fsr-3433	512	8	,	,	PUNCT
fsr-3433	512	9	*	*	PUNCT
fsr-3433	512	10	*	*	PUNCT
fsr-3433	513	1	p	p	X
fsr-3433	513	2	<	<	X
fsr-3433	513	3	.0	.0	NUM
fsr-3433	513	4	1	1	NUM
fsr-3433	513	5	,	,	PUNCT
fsr-3433	513	6	*	*	PUNCT
fsr-3433	513	7	p	p	X
fsr-3433	513	8	<	<	X
fsr-3433	513	9	.0	.0	NUM
fsr-3433	513	10	5	5	NUM
fsr-3433	513	11	.	.	PUNCT
fsr-3433	514	1	a	a	DET
fsr-3433	514	2	m	m	NOUN
fsr-3433	514	3	e	e	NOUN
fsr-3433	514	4	=	=	SYM
fsr-3433	514	5	av	av	PROPN
fsr-3433	514	6	er	er	INTJ
fsr-3433	514	7	ag	ag	PROPN
fsr-3433	514	8	e	e	PROPN
fsr-3433	514	9	m	m	PROPN
fsr-3433	514	10	ar	ar	PROPN
fsr-3433	514	11	g	g	PROPN
fsr-3433	514	12	in	in	ADP
fsr-3433	514	13	al	al	PROPN
fsr-3433	514	14	ef	ef	PROPN
fsr-3433	514	15	fe	fe	X
fsr-3433	514	16	ct	ct	PROPN
fsr-3433	514	17	s	s	PROPN
fsr-3433	514	18	;	;	PUNCT
fsr-3433	515	1	o	o	NOUN
fsr-3433	515	2	r	r	NOUN
fsr-3433	515	3	=	=	PUNCT
fsr-3433	515	4	o	o	PUNCT
fsr-3433	516	1	d	d	X
fsr-3433	516	2	d	d	X
fsr-3433	516	3	s	s	VERB
fsr-3433	516	4	ra	ra	INTJ
fsr-3433	516	5	ti	ti	NOUN
fsr-3433	516	6	o	o	NOUN
fsr-3433	516	7	;	;	PUNCT
fsr-3433	516	8	s	s	VERB
fsr-3433	516	9	o	o	NOUN
fsr-3433	516	10	r	r	NOUN
fsr-3433	516	11	=	=	SYM
fsr-3433	516	12	fu	fu	NOUN
fsr-3433	516	13	ll	ll	AUX
fsr-3433	516	14	y	y	PROPN
fsr-3433	516	15	st	st	PROPN
fsr-3433	517	1	an	an	PROPN
fsr-3433	517	2	d	d	X
fsr-3433	517	3	ar	ar	PROPN
fsr-3433	518	1	d	d	NOUN
fsr-3433	519	1	iz	iz	INTJ
fsr-3433	520	1	ed	ed	NOUN
fsr-3433	521	1	o	o	NOUN
fsr-3433	522	1	d	d	X
fsr-3433	522	2	d	d	X
fsr-3433	522	3	s	s	VERB
fsr-3433	522	4	ra	ra	NOUN
fsr-3433	522	5	ti	ti	NOUN
fsr-3433	522	6	o	o	NOUN
fsr-3433	522	7	.	.	PUNCT
fsr-3433	523	1	s	s	VERB
fsr-3433	523	2	ta	ta	PROPN
fsr-3433	523	3	n	n	PROPN
fsr-3433	523	4	d	d	PROPN
fsr-3433	523	5	ar	ar	PROPN
fsr-3433	524	1	d	d	PROPN
fsr-3433	524	2	er	er	INTJ
fsr-3433	524	3	ro	ro	INTJ
fsr-3433	524	4	rs	rs	NOUN
fsr-3433	524	5	in	in	ADP
fsr-3433	524	6	p	p	PROPN
fsr-3433	524	7	ar	ar	PROPN
fsr-3433	524	8	en	en	X
fsr-3433	524	9	th	th	X
fsr-3433	524	10	es	es	X
fsr-3433	524	11	es	es	X
fsr-3433	524	12	.	.	PUNCT
fsr-3433	525	1	m.	m.	PROPN
fsr-3433	525	2	s.	s.	PROPN
fsr-3433	525	3	tahir	tahir	PROPN
fsr-3433	525	4	et	et	PROPN
fsr-3433	525	5	al	al	PROPN
fsr-3433	525	6	.	.	PUNCT
fsr-3433	525	7	/	/	SYM
fsr-3433	525	8	financial	financial	ADJ
fsr-3433	525	9	services	service	NOUN
fsr-3433	525	10	review	review	VERB
fsr-3433	525	11	28	28	NUM
fsr-3433	525	12	(	(	PUNCT
fsr-3433	525	13	2020	2020	NUM
fsr-3433	525	14	)	)	PUNCT
fsr-3433	526	1	273–301	273–301	NUM
fsr-3433	526	2	289	289	NUM
fsr-3433	526	3	t	t	X
fsr-3433	526	4	ab	ab	PROPN
fsr-3433	526	5	le	le	PROPN
fsr-3433	526	6	6	6	NUM
fsr-3433	526	7	b	b	PROPN
fsr-3433	526	8	in	in	ADP
fsr-3433	526	9	ar	ar	PROPN
fsr-3433	526	10	y	y	PROPN
fsr-3433	526	11	lo	lo	PROPN
fsr-3433	526	12	g	g	PROPN
fsr-3433	526	13	is	be	AUX
fsr-3433	526	14	ti	ti	X
fsr-3433	526	15	c	c	NOUN
fsr-3433	526	16	re	re	ADP
fsr-3433	526	17	g	g	PROPN
fsr-3433	526	18	re	re	ADP
fsr-3433	526	19	ss	ss	PROPN
fsr-3433	526	20	io	io	PROPN
fsr-3433	526	21	n	n	PROPN
fsr-3433	526	22	an	an	PROPN
fsr-3433	526	23	al	al	PROPN
fsr-3433	526	24	y	y	PROPN
fsr-3433	526	25	si	si	PROPN
fsr-3433	526	26	s	s	PROPN
fsr-3433	526	27	o	o	X
fsr-3433	526	28	f	f	X
fsr-3433	527	1	cr	cr	INTJ
fsr-3433	527	2	ed	ed	PROPN
fsr-3433	528	1	it	it	PRON
fsr-3433	528	2	ca	can	AUX
fsr-3433	528	3	rd	rd	PROPN
fsr-3433	528	4	d	d	PROPN
fsr-3433	528	5	eb	eb	PROPN
fsr-3433	528	6	tta	tta	PROPN
fsr-3433	528	7	k	k	PROPN
fsr-3433	528	8	in	in	ADP
fsr-3433	528	9	g	g	PROPN
fsr-3433	528	10	b	b	PROPN
fsr-3433	528	11	eh	eh	INTJ
fsr-3433	528	12	av	av	PROPN
fsr-3433	528	13	io	io	PROPN
fsr-3433	529	1	r	r	NOUN
fsr-3433	529	2	:	:	PUNCT
fsr-3433	529	3	p	p	NOUN
fsr-3433	529	4	h	h	NOUN
fsr-3433	529	5	as	as	ADP
fsr-3433	529	6	e	e	X
fsr-3433	529	7	2	2	NUM
fsr-3433	529	8	m	m	NOUN
fsr-3433	529	9	o	o	NOUN
fsr-3433	530	1	d	d	X
fsr-3433	530	2	el	el	PROPN
fsr-3433	530	3	1	1	NUM
fsr-3433	530	4	m	m	NOUN
fsr-3433	530	5	o	o	NOUN
fsr-3433	530	6	d	d	X
fsr-3433	530	7	el	el	PROPN
fsr-3433	530	8	2	2	NUM
fsr-3433	530	9	a	a	DET
fsr-3433	530	10	m	m	NOUN
fsr-3433	530	11	e	e	NOUN
fsr-3433	530	12	o	o	NOUN
fsr-3433	530	13	r	r	NOUN
fsr-3433	530	14	s	s	NOUN
fsr-3433	530	15	o	o	NOUN
fsr-3433	530	16	r	r	NOUN
fsr-3433	530	17	a	a	DET
fsr-3433	530	18	m	m	NOUN
fsr-3433	530	19	e	e	NOUN
fsr-3433	531	1	o	o	NOUN
fsr-3433	531	2	r	r	NOUN
fsr-3433	531	3	s	s	NOUN
fsr-3433	531	4	o	o	NOUN
fsr-3433	531	5	r	r	NOUN
fsr-3433	531	6	f	f	NOUN
fsr-3433	531	7	in	in	ADP
fsr-3433	531	8	an	an	DET
fsr-3433	531	9	ci	ci	PROPN
fsr-3433	531	10	al	al	PROPN
fsr-3433	531	11	li	li	PROPN
fsr-3433	531	12	te	te	PROPN
fsr-3433	531	13	ra	ra	PROPN
fsr-3433	531	14	cy	cy	PROPN
fsr-3433	531	15	�	�	PROPN
fsr-3433	531	16	0	0	NUM
fsr-3433	531	17	.0	.0	NUM
fsr-3433	531	18	1	1	NUM
fsr-3433	531	19	5	5	NUM
fsr-3433	531	20	*	*	PUNCT
fsr-3433	532	1	*	*	PUNCT
fsr-3433	532	2	0	0	PUNCT
fsr-3433	533	1	.9	.9	NUM
fsr-3433	533	2	1	1	NUM
fsr-3433	533	3	7	7	NUM
fsr-3433	533	4	*	*	PUNCT
fsr-3433	533	5	*	*	PUNCT
fsr-3433	533	6	(	(	PUNCT
fsr-3433	533	7	0	0	NUM
fsr-3433	533	8	.0	.0	NUM
fsr-3433	533	9	3	3	NUM
fsr-3433	533	10	0	0	NUM
fsr-3433	533	11	)	)	PUNCT
fsr-3433	533	12	0	0	NUM
fsr-3433	534	1	.9	.9	NUM
fsr-3433	534	2	2	2	NUM
fsr-3433	534	3	4	4	NUM
fsr-3433	534	4	*	*	PUNCT
fsr-3433	534	5	*	*	PUNCT
fsr-3433	534	6	in	in	ADP
fsr-3433	534	7	fl	fl	PROPN
fsr-3433	534	8	at	at	ADP
fsr-3433	534	9	io	io	PROPN
fsr-3433	534	10	n	n	PRON
fsr-3433	534	11	�	�	PROPN
fsr-3433	534	12	0	0	NUM
fsr-3433	534	13	.0	.0	NUM
fsr-3433	534	14	0	0	NUM
fsr-3433	534	15	5	5	NUM
fsr-3433	534	16	0	0	NUM
fsr-3433	534	17	.9	.9	NUM
fsr-3433	534	18	7	7	NUM
fsr-3433	534	19	1	1	NUM
fsr-3433	534	20	(	(	PUNCT
fsr-3433	534	21	0	0	NUM
fsr-3433	534	22	.0	.0	NUM
fsr-3433	534	23	7	7	NUM
fsr-3433	534	24	5	5	NUM
fsr-3433	534	25	)	)	PUNCT
fsr-3433	534	26	0	0	NUM
fsr-3433	535	1	.9	.9	NUM
fsr-3433	535	2	8	8	NUM
fsr-3433	535	3	8	8	NUM
fsr-3433	535	4	p	p	NOUN
fsr-3433	535	5	o	o	X
fsr-3433	536	1	rt	rt	INTJ
fsr-3433	536	2	fo	fo	INTJ
fsr-3433	536	3	li	li	PROPN
fsr-3433	537	1	o	o	NOUN
fsr-3433	537	2	ch	ch	NOUN
fsr-3433	537	3	o	o	X
fsr-3433	537	4	ic	ic	PROPN
fsr-3433	537	5	e	e	X
fsr-3433	537	6	�	�	PROPN
fsr-3433	537	7	0	0	NUM
fsr-3433	537	8	.0	.0	NUM
fsr-3433	537	9	2	2	NUM
fsr-3433	537	10	5	5	NUM
fsr-3433	537	11	0	0	NUM
fsr-3433	537	12	.8	.8	NUM
fsr-3433	537	13	6	6	NUM
fsr-3433	537	14	9	9	NUM
fsr-3433	537	15	(	(	PUNCT
fsr-3433	537	16	0	0	NUM
fsr-3433	537	17	.0	.0	NUM
fsr-3433	537	18	7	7	NUM
fsr-3433	537	19	2	2	NUM
fsr-3433	537	20	)	)	PUNCT
fsr-3433	537	21	0	0	NUM
fsr-3433	538	1	.9	.9	NUM
fsr-3433	538	2	5	5	NUM
fsr-3433	538	3	2	2	NUM
fsr-3433	538	4	s	s	VERB
fsr-3433	538	5	i	i	NOUN
fsr-3433	538	6	m	m	VERB
fsr-3433	538	7	p	p	X
fsr-3433	538	8	le	le	X
fsr-3433	538	9	in	in	ADP
fsr-3433	538	10	te	te	PROPN
fsr-3433	538	11	re	re	PROPN
fsr-3433	538	12	st	st	PROPN
fsr-3433	538	13	�	�	PROPN
fsr-3433	538	14	0	0	NUM
fsr-3433	538	15	.0	.0	NUM
fsr-3433	538	16	5	5	NUM
fsr-3433	538	17	5	5	NUM
fsr-3433	538	18	*	*	SYM
fsr-3433	538	19	0	0	NUM
fsr-3433	539	1	.7	.7	NUM
fsr-3433	539	2	3	3	NUM
fsr-3433	539	3	2	2	NUM
fsr-3433	539	4	*	*	PUNCT
fsr-3433	539	5	(	(	PUNCT
fsr-3433	539	6	0	0	NUM
fsr-3433	539	7	.0	.0	NUM
fsr-3433	539	8	8	8	NUM
fsr-3433	539	9	9	9	NUM
fsr-3433	539	10	)	)	PUNCT
fsr-3433	539	11	0	0	NUM
fsr-3433	540	1	.9	.9	NUM
fsr-3433	540	2	2	2	NUM
fsr-3433	540	3	8	8	NUM
fsr-3433	540	4	*	*	PUNCT
fsr-3433	540	5	t	t	PROPN
fsr-3433	541	1	i	i	PRON
fsr-3433	541	2	m	m	VERB
fsr-3433	541	3	e	e	NOUN
fsr-3433	541	4	v	v	NUM
fsr-3433	541	5	al	al	PROPN
fsr-3433	541	6	u	u	PROPN
fsr-3433	542	1	e	e	NOUN
fsr-3433	542	2	o	o	NOUN
fsr-3433	542	3	f	f	X
fsr-3433	542	4	m	m	VERB
fsr-3433	542	5	o	o	NOUN
fsr-3433	542	6	n	n	INTJ
fsr-3433	542	7	ey	ey	INTJ
fsr-3433	542	8	0	0	NUM
fsr-3433	542	9	.0	.0	NUM
fsr-3433	542	10	2	2	NUM
fsr-3433	542	11	9	9	NUM
fsr-3433	542	12	1	1	NUM
fsr-3433	542	13	.1	.1	NUM
fsr-3433	542	14	8	8	NUM
fsr-3433	542	15	1	1	NUM
fsr-3433	542	16	(	(	PUNCT
fsr-3433	542	17	0	0	NUM
fsr-3433	542	18	.1	.1	NUM
fsr-3433	542	19	0	0	NUM
fsr-3433	542	20	1	1	NUM
fsr-3433	542	21	)	)	PUNCT
fsr-3433	542	22	1	1	NUM
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fsr-3433	542	24	6	6	NUM
fsr-3433	542	25	0	0	NUM
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fsr-3433	542	28	k	k	PROPN
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fsr-3433	542	30	d	d	X
fsr-3433	542	31	re	re	VERB
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fsr-3433	542	39	*	*	SYM
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fsr-3433	543	4	*	*	PUNCT
fsr-3433	543	5	(	(	PUNCT
fsr-3433	543	6	0	0	NUM
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fsr-3433	543	8	7	7	NUM
fsr-3433	543	9	8	8	NUM
fsr-3433	543	10	)	)	PUNCT
fsr-3433	543	11	0	0	NUM
fsr-3433	544	1	.9	.9	NUM
fsr-3433	544	2	3	3	NUM
fsr-3433	544	3	6	6	NUM
fsr-3433	544	4	*	*	PUNCT
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fsr-3433	544	6	tt	tt	X
fsr-3433	544	7	it	it	PRON
fsr-3433	544	8	u	u	NOUN
fsr-3433	544	9	d	d	X
fsr-3433	544	10	e	e	X
fsr-3433	544	11	to	to	ADP
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fsr-3433	544	20	n	n	CCONJ
fsr-3433	544	21	g	g	NOUN
fsr-3433	544	22	sp	sp	ADP
fsr-3433	544	23	en	en	X
fsr-3433	544	24	d	d	PROPN
fsr-3433	544	25	in	in	ADP
fsr-3433	544	26	g	g	PROPN
fsr-3433	544	27	an	an	DET
fsr-3433	544	28	d	d	X
fsr-3433	544	29	sa	sa	PROPN
fsr-3433	544	30	v	v	NOUN
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fsr-3433	545	1	*	*	PUNCT
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fsr-3433	547	1	*	*	PUNCT
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fsr-3433	548	1	.6	.6	NUM
fsr-3433	548	2	3	3	NUM
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fsr-3433	549	6	1	1	NUM
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fsr-3433	549	8	)	)	PUNCT
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fsr-3433	550	1	.5	.5	NUM
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fsr-3433	551	1	*	*	PUNCT
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fsr-3433	552	1	*	*	PUNCT
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fsr-3433	554	1	*	*	PUNCT
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fsr-3433	555	1	.6	.6	NUM
fsr-3433	555	2	3	3	NUM
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fsr-3433	555	4	*	*	PUNCT
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fsr-3433	556	3	(	(	PUNCT
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fsr-3433	556	6	1	1	NUM
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fsr-3433	556	8	)	)	PUNCT
fsr-3433	556	9	0	0	NUM
fsr-3433	557	1	.5	.5	NUM
fsr-3433	557	2	0	0	NUM
fsr-3433	557	3	4	4	NUM
fsr-3433	557	4	*	*	PUNCT
fsr-3433	558	1	*	*	PUNCT
fsr-3433	558	2	*	*	PUNCT
fsr-3433	558	3	f	f	X
fsr-3433	558	4	em	em	PROPN
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fsr-3433	558	13	3	3	NUM
fsr-3433	558	14	5	5	NUM
fsr-3433	558	15	(	(	PUNCT
fsr-3433	558	16	0	0	NUM
fsr-3433	558	17	.0	.0	NUM
fsr-3433	558	18	6	6	NUM
fsr-3433	558	19	5	5	NUM
fsr-3433	558	20	)	)	PUNCT
fsr-3433	558	21	1	1	NUM
fsr-3433	558	22	.0	.0	NUM
fsr-3433	558	23	1	1	NUM
fsr-3433	558	24	7	7	NUM
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fsr-3433	558	26	.0	.0	NUM
fsr-3433	558	27	0	0	NUM
fsr-3433	558	28	2	2	NUM
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fsr-3433	558	31	1	1	NUM
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fsr-3433	558	33	(	(	PUNCT
fsr-3433	558	34	0	0	NUM
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fsr-3433	558	36	6	6	NUM
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fsr-3433	558	38	)	)	PUNCT
fsr-3433	558	39	1	1	NUM
fsr-3433	558	40	.0	.0	NUM
fsr-3433	558	41	0	0	NUM
fsr-3433	558	42	6	6	NUM
fsr-3433	558	43	a	a	DET
fsr-3433	558	44	g	g	NOUN
fsr-3433	558	45	e	e	NOUN
fsr-3433	558	46	0	0	SYM
fsr-3433	558	47	.0	.0	NUM
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fsr-3433	558	50	*	*	PUNCT
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fsr-3433	559	3	1	1	NUM
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fsr-3433	559	20	*	*	PUNCT
fsr-3433	559	21	*	*	PUNCT
fsr-3433	560	1	*	*	PUNCT
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fsr-3433	560	6	*	*	PUNCT
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fsr-3433	561	2	*	*	PUNCT
fsr-3433	561	3	1	1	NUM
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fsr-3433	561	5	4	4	NUM
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fsr-3433	561	7	*	*	PUNCT
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fsr-3433	561	10	(	(	PUNCT
fsr-3433	561	11	0	0	NUM
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fsr-3433	561	13	2	2	NUM
fsr-3433	561	14	0	0	NUM
fsr-3433	561	15	)	)	PUNCT
fsr-3433	561	16	5	5	NUM
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fsr-3433	561	18	8	8	NUM
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fsr-3433	561	20	*	*	PUNCT
fsr-3433	561	21	*	*	PUNCT
fsr-3433	561	22	*	*	PUNCT
fsr-3433	561	23	a	a	DET
fsr-3433	561	24	g	g	PROPN
fsr-3433	561	25	esq	esq	PROPN
fsr-3433	561	26	u	u	PROPN
fsr-3433	561	27	ar	ar	PROPN
fsr-3433	561	28	ed	ed	PROPN
fsr-3433	561	29	�	�	PROPN
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fsr-3433	561	34	3	3	NUM
fsr-3433	561	35	*	*	PUNCT
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fsr-3433	562	1	*	*	PUNCT
fsr-3433	562	2	0	0	NUM
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fsr-3433	563	2	9	9	NUM
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fsr-3433	563	4	*	*	PUNCT
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fsr-3433	564	3	(	(	PUNCT
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fsr-3433	564	8	)	)	PUNCT
fsr-3433	564	9	0	0	NUM
fsr-3433	565	1	.1	.1	NUM
fsr-3433	565	2	6	6	NUM
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fsr-3433	565	4	*	*	PUNCT
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fsr-3433	567	1	*	*	PUNCT
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fsr-3433	568	4	*	*	PUNCT
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fsr-3433	569	3	(	(	PUNCT
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fsr-3433	569	8	)	)	PUNCT
fsr-3433	569	9	0	0	NUM
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fsr-3433	573	21	)	)	PUNCT
fsr-3433	573	22	0	0	NUM
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fsr-3433	574	3	3	3	NUM
fsr-3433	574	4	a	a	DET
fsr-3433	574	5	g	g	NOUN
fsr-3433	574	6	e	e	X
fsr-3433	574	7	*	*	PUNCT
fsr-3433	574	8	in	in	ADP
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fsr-3433	578	5	*	*	PUNCT
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fsr-3433	579	3	(	(	PUNCT
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fsr-3433	580	1	.8	.8	NUM
fsr-3433	580	2	3	3	NUM
fsr-3433	580	3	2	2	NUM
fsr-3433	580	4	*	*	PUNCT
fsr-3433	580	5	*	*	PUNCT
fsr-3433	580	6	*	*	PUNCT
fsr-3433	580	7	�	�	PROPN
fsr-3433	580	8	0	0	NUM
fsr-3433	580	9	.0	.0	NUM
fsr-3433	580	10	6	6	NUM
fsr-3433	580	11	6	6	NUM
fsr-3433	580	12	*	*	PUNCT
fsr-3433	581	1	*	*	PUNCT
fsr-3433	582	1	*	*	PUNCT
fsr-3433	582	2	0	0	NUM
fsr-3433	583	1	.6	.6	NUM
fsr-3433	583	2	8	8	NUM
fsr-3433	583	3	9	9	NUM
fsr-3433	583	4	*	*	PUNCT
fsr-3433	584	1	*	*	PUNCT
fsr-3433	584	2	*	*	PUNCT
fsr-3433	584	3	(	(	PUNCT
fsr-3433	584	4	0	0	NUM
fsr-3433	584	5	.0	.0	NUM
fsr-3433	584	6	4	4	NUM
fsr-3433	584	7	2	2	NUM
fsr-3433	584	8	)	)	PUNCT
fsr-3433	584	9	0	0	NUM
fsr-3433	585	1	.8	.8	NUM
fsr-3433	585	2	3	3	NUM
fsr-3433	585	3	3	3	NUM
fsr-3433	585	4	*	*	PUNCT
fsr-3433	586	1	*	*	PUNCT
fsr-3433	586	2	*	*	PUNCT
fsr-3433	586	3	m	m	VERB
fsr-3433	586	4	in	in	ADP
fsr-3433	586	5	i	i	PRON
fsr-3433	586	6	m	m	VERB
fsr-3433	586	7	u	u	NOUN
fsr-3433	586	8	m	m	PROPN
fsr-3433	586	9	b	b	PROPN
fsr-3433	587	1	ac	ac	PROPN
fsr-3433	587	2	h	h	PROPN
fsr-3433	588	1	el	el	PROPN
fsr-3433	588	2	o	o	NOUN
fsr-3433	588	3	r	r	NOUN
fsr-3433	588	4	d	d	X
fsr-3433	588	5	eg	eg	X
fsr-3433	588	6	re	re	X
fsr-3433	588	7	e	e	PROPN
fsr-3433	588	8	�	�	PROPN
fsr-3433	588	9	0	0	PROPN
fsr-3433	588	10	.1	.1	NUM
fsr-3433	588	11	1	1	NUM
fsr-3433	588	12	2	2	NUM
fsr-3433	588	13	*	*	PUNCT
fsr-3433	589	1	*	*	PUNCT
fsr-3433	590	1	*	*	PUNCT
fsr-3433	590	2	0	0	NUM
fsr-3433	591	1	.5	.5	NUM
fsr-3433	591	2	3	3	NUM
fsr-3433	591	3	3	3	NUM
fsr-3433	591	4	*	*	PUNCT
fsr-3433	592	1	*	*	PUNCT
fsr-3433	592	2	*	*	PUNCT
fsr-3433	592	3	(	(	PUNCT
fsr-3433	592	4	0	0	NUM
fsr-3433	592	5	.0	.0	NUM
fsr-3433	592	6	3	3	NUM
fsr-3433	592	7	5	5	NUM
fsr-3433	592	8	)	)	PUNCT
fsr-3433	592	9	0	0	NUM
fsr-3433	593	1	.7	.7	NUM
fsr-3433	593	2	3	3	NUM
fsr-3433	593	3	5	5	NUM
fsr-3433	593	4	*	*	PUNCT
fsr-3433	593	5	*	*	PUNCT
fsr-3433	593	6	*	*	PUNCT
fsr-3433	593	7	�	�	PROPN
fsr-3433	593	8	0	0	NUM
fsr-3433	593	9	.1	.1	NUM
fsr-3433	593	10	1	1	NUM
fsr-3433	593	11	2	2	NUM
fsr-3433	593	12	*	*	PUNCT
fsr-3433	594	1	*	*	PUNCT
fsr-3433	595	1	*	*	PUNCT
fsr-3433	595	2	0	0	NUM
fsr-3433	595	3	.5	.5	NUM
fsr-3433	595	4	3	3	NUM
fsr-3433	595	5	2	2	NUM
fsr-3433	595	6	*	*	PUNCT
fsr-3433	595	7	*	*	PUNCT
fsr-3433	595	8	*	*	PUNCT
fsr-3433	595	9	(	(	PUNCT
fsr-3433	595	10	0	0	NUM
fsr-3433	595	11	.0	.0	NUM
fsr-3433	595	12	3	3	NUM
fsr-3433	595	13	5	5	NUM
fsr-3433	595	14	)	)	PUNCT
fsr-3433	595	15	0	0	NUM
fsr-3433	596	1	.7	.7	NUM
fsr-3433	596	2	3	3	NUM
fsr-3433	596	3	4	4	NUM
fsr-3433	596	4	*	*	PUNCT
fsr-3433	597	1	*	*	PUNCT
fsr-3433	597	2	*	*	PUNCT
fsr-3433	597	3	c	c	X
fsr-3433	597	4	o	o	X
fsr-3433	597	5	n	n	PRON
fsr-3433	597	6	st	st	PROPN
fsr-3433	597	7	an	an	DET
fsr-3433	597	8	t	t	NOUN
fsr-3433	597	9	0	0	NUM
fsr-3433	598	1	.6	.6	NUM
fsr-3433	598	2	6	6	NUM
fsr-3433	598	3	3	3	NUM
fsr-3433	598	4	(	(	PUNCT
fsr-3433	598	5	0	0	NUM
fsr-3433	598	6	.2	.2	NUM
fsr-3433	598	7	5	5	NUM
fsr-3433	598	8	5	5	NUM
fsr-3433	598	9	)	)	PUNCT
fsr-3433	598	10	0	0	NUM
fsr-3433	599	1	.6	.6	NUM
fsr-3433	599	2	9	9	NUM
fsr-3433	599	3	2	2	NUM
fsr-3433	599	4	(	(	PUNCT
fsr-3433	599	5	0	0	NUM
fsr-3433	599	6	.2	.2	NUM
fsr-3433	599	7	7	7	NUM
fsr-3433	599	8	1	1	NUM
fsr-3433	599	9	)	)	PUNCT
fsr-3433	599	10	n	n	PRON
fsr-3433	599	11	6	6	NUM
fsr-3433	599	12	,	,	PUNCT
fsr-3433	599	13	6	6	NUM
fsr-3433	599	14	6	6	NUM
fsr-3433	599	15	1	1	NUM
fsr-3433	599	16	6	6	NUM
fsr-3433	599	17	,	,	PUNCT
fsr-3433	599	18	6	6	NUM
fsr-3433	599	19	6	6	NUM
fsr-3433	599	20	1	1	NUM
fsr-3433	599	21	p	p	NOUN
fsr-3433	599	22	se	se	X
fsr-3433	599	23	u	u	PROPN
fsr-3433	600	1	d	d	X
fsr-3433	600	2	o	o	NOUN
fsr-3433	600	3	r	r	NOUN
fsr-3433	600	4	2	2	NUM
fsr-3433	600	5	0	0	NUM
fsr-3433	600	6	.1	.1	NUM
fsr-3433	600	7	1	1	NUM
fsr-3433	600	8	8	8	NUM
fsr-3433	600	9	0	0	NUM
fsr-3433	600	10	.1	.1	NUM
fsr-3433	600	11	2	2	NUM
fsr-3433	600	12	0	0	NUM
fsr-3433	600	13	x	x	SYM
fsr-3433	600	14	2	2	NUM
fsr-3433	600	15	v	v	NOUN
fsr-3433	600	16	al	al	PROPN
fsr-3433	600	17	u	u	PROPN
fsr-3433	600	18	e	e	NOUN
fsr-3433	600	19	9	9	NUM
fsr-3433	600	20	4	4	NUM
fsr-3433	600	21	7	7	NUM
fsr-3433	600	22	.9	.9	NUM
fsr-3433	600	23	0	0	PUNCT
fsr-3433	601	1	*	*	PUNCT
fsr-3433	602	1	*	*	PUNCT
fsr-3433	602	2	*	*	PUNCT
fsr-3433	602	3	9	9	NUM
fsr-3433	602	4	6	6	NUM
fsr-3433	602	5	1	1	NUM
fsr-3433	602	6	.8	.8	NUM
fsr-3433	602	7	7	7	NUM
fsr-3433	603	1	*	*	PUNCT
fsr-3433	603	2	*	*	PUNCT
fsr-3433	604	1	*	*	PUNCT
fsr-3433	604	2	p	p	NOUN
fsr-3433	604	3	ea	ea	INTJ
fsr-3433	604	4	rs	rs	NOUN
fsr-3433	604	5	o	o	PROPN
fsr-3433	604	6	n	n	CCONJ
fsr-3433	604	7	x	x	SYM
fsr-3433	604	8	2	2	NUM
fsr-3433	604	9	6	6	NUM
fsr-3433	604	10	6	6	NUM
fsr-3433	604	11	8	8	NUM
fsr-3433	604	12	4	4	NUM
fsr-3433	604	13	.9	.9	NUM
fsr-3433	604	14	7	7	NUM
fsr-3433	604	15	6	6	NUM
fsr-3433	604	16	7	7	NUM
fsr-3433	604	17	1	1	NUM
fsr-3433	604	18	2	2	NUM
fsr-3433	604	19	.7	.7	NUM
fsr-3433	604	20	4	4	NUM
fsr-3433	604	21	*	*	PUNCT
fsr-3433	604	22	*	*	PUNCT
fsr-3433	605	1	*	*	PUNCT
fsr-3433	605	2	p	p	X
fsr-3433	605	3	<	<	X
fsr-3433	605	4	.0	.0	NUM
fsr-3433	605	5	0	0	NUM
fsr-3433	605	6	1	1	NUM
fsr-3433	605	7	,	,	PUNCT
fsr-3433	605	8	*	*	PUNCT
fsr-3433	605	9	*	*	PUNCT
fsr-3433	606	1	p	p	X
fsr-3433	606	2	<	<	X
fsr-3433	606	3	.0	.0	NUM
fsr-3433	606	4	1	1	NUM
fsr-3433	606	5	,	,	PUNCT
fsr-3433	606	6	*	*	PUNCT
fsr-3433	606	7	p	p	X
fsr-3433	606	8	<	<	X
fsr-3433	606	9	.0	.0	NUM
fsr-3433	606	10	5	5	NUM
fsr-3433	606	11	.	.	PUNCT
fsr-3433	607	1	a	a	DET
fsr-3433	607	2	m	m	NOUN
fsr-3433	607	3	e	e	NOUN
fsr-3433	607	4	=	=	SYM
fsr-3433	607	5	av	av	PROPN
fsr-3433	607	6	er	er	INTJ
fsr-3433	607	7	ag	ag	PROPN
fsr-3433	607	8	e	e	PROPN
fsr-3433	607	9	m	m	PROPN
fsr-3433	607	10	ar	ar	PROPN
fsr-3433	607	11	g	g	PROPN
fsr-3433	607	12	in	in	ADP
fsr-3433	607	13	al	al	PROPN
fsr-3433	607	14	ef	ef	PROPN
fsr-3433	607	15	fe	fe	X
fsr-3433	607	16	ct	ct	PROPN
fsr-3433	607	17	s	s	PROPN
fsr-3433	607	18	;	;	PUNCT
fsr-3433	608	1	o	o	NOUN
fsr-3433	608	2	r	r	NOUN
fsr-3433	608	3	=	=	PUNCT
fsr-3433	608	4	o	o	PUNCT
fsr-3433	609	1	d	d	X
fsr-3433	609	2	d	d	X
fsr-3433	609	3	s	s	VERB
fsr-3433	609	4	ra	ra	INTJ
fsr-3433	609	5	ti	ti	NOUN
fsr-3433	609	6	o	o	NOUN
fsr-3433	609	7	;	;	PUNCT
fsr-3433	609	8	s	s	VERB
fsr-3433	609	9	o	o	NOUN
fsr-3433	609	10	r	r	NOUN
fsr-3433	609	11	=	=	SYM
fsr-3433	609	12	fu	fu	NOUN
fsr-3433	609	13	ll	ll	AUX
fsr-3433	609	14	y	y	PROPN
fsr-3433	609	15	st	st	PROPN
fsr-3433	610	1	an	an	PROPN
fsr-3433	610	2	d	d	X
fsr-3433	610	3	ar	ar	PROPN
fsr-3433	611	1	d	d	NOUN
fsr-3433	612	1	iz	iz	INTJ
fsr-3433	613	1	ed	ed	NOUN
fsr-3433	614	1	o	o	NOUN
fsr-3433	615	1	d	d	X
fsr-3433	615	2	d	d	X
fsr-3433	615	3	s	s	VERB
fsr-3433	615	4	ra	ra	NOUN
fsr-3433	615	5	ti	ti	NOUN
fsr-3433	615	6	o	o	NOUN
fsr-3433	615	7	.	.	PUNCT
fsr-3433	616	1	s	s	VERB
fsr-3433	616	2	ta	ta	PROPN
fsr-3433	616	3	n	n	PROPN
fsr-3433	616	4	d	d	PROPN
fsr-3433	616	5	ar	ar	PROPN
fsr-3433	617	1	d	d	PROPN
fsr-3433	617	2	er	er	INTJ
fsr-3433	617	3	ro	ro	INTJ
fsr-3433	617	4	rs	rs	NOUN
fsr-3433	617	5	in	in	ADP
fsr-3433	617	6	p	p	PROPN
fsr-3433	617	7	ar	ar	PROPN
fsr-3433	617	8	en	en	X
fsr-3433	617	9	th	th	X
fsr-3433	617	10	es	es	X
fsr-3433	617	11	es	es	X
fsr-3433	617	12	.	.	PUNCT
fsr-3433	618	1	290	290	NUM
fsr-3433	618	2	m.	m.	NOUN
fsr-3433	618	3	s.	s.	PROPN
fsr-3433	618	4	tahir	tahir	PROPN
fsr-3433	618	5	et	et	PROPN
fsr-3433	618	6	al	al	PROPN
fsr-3433	618	7	.	.	PUNCT
fsr-3433	618	8	/	/	SYM
fsr-3433	618	9	financial	financial	ADJ
fsr-3433	618	10	services	service	NOUN
fsr-3433	618	11	review	review	VERB
fsr-3433	618	12	28	28	NUM
fsr-3433	618	13	(	(	PUNCT
fsr-3433	618	14	2020	2020	NUM
fsr-3433	618	15	)	)	PUNCT
fsr-3433	619	1	273–301	273–301	NUM
fsr-3433	619	2	t	t	PROPN
fsr-3433	619	3	ab	ab	X
fsr-3433	619	4	le	le	PROPN
fsr-3433	619	5	7	7	NUM
fsr-3433	619	6	b	b	PROPN
fsr-3433	619	7	in	in	ADP
fsr-3433	619	8	ar	ar	PROPN
fsr-3433	619	9	y	y	PROPN
fsr-3433	619	10	lo	lo	PROPN
fsr-3433	619	11	g	g	PROPN
fsr-3433	619	12	is	be	AUX
fsr-3433	619	13	ti	ti	X
fsr-3433	619	14	c	c	NOUN
fsr-3433	619	15	re	re	ADP
fsr-3433	619	16	g	g	PROPN
fsr-3433	619	17	re	re	ADP
fsr-3433	619	18	ss	ss	PROPN
fsr-3433	619	19	io	io	PROPN
fsr-3433	619	20	n	n	PROPN
fsr-3433	619	21	an	an	PROPN
fsr-3433	619	22	al	al	PROPN
fsr-3433	619	23	y	y	PROPN
fsr-3433	619	24	si	si	PROPN
fsr-3433	619	25	s	s	PROPN
fsr-3433	619	26	o	o	X
fsr-3433	619	27	f	f	X
fsr-3433	620	1	cr	cr	INTJ
fsr-3433	620	2	ed	ed	PROPN
fsr-3433	621	1	it	it	PRON
fsr-3433	621	2	ca	can	AUX
fsr-3433	621	3	rd	rd	PROPN
fsr-3433	621	4	d	d	PROPN
fsr-3433	621	5	eb	eb	PROPN
fsr-3433	621	6	tta	tta	PROPN
fsr-3433	621	7	k	k	PROPN
fsr-3433	621	8	in	in	ADP
fsr-3433	621	9	g	g	PROPN
fsr-3433	621	10	b	b	PROPN
fsr-3433	621	11	eh	eh	INTJ
fsr-3433	621	12	av	av	PROPN
fsr-3433	621	13	io	io	PROPN
fsr-3433	622	1	r	r	NOUN
fsr-3433	622	2	:	:	PUNCT
fsr-3433	622	3	p	p	NOUN
fsr-3433	622	4	h	h	NOUN
fsr-3433	622	5	as	as	ADP
fsr-3433	622	6	e	e	X
fsr-3433	622	7	3	3	NUM
fsr-3433	622	8	m	m	NOUN
fsr-3433	622	9	o	o	NOUN
fsr-3433	623	1	d	d	X
fsr-3433	623	2	el	el	PROPN
fsr-3433	623	3	1	1	NUM
fsr-3433	623	4	m	m	NOUN
fsr-3433	623	5	o	o	NOUN
fsr-3433	623	6	d	d	X
fsr-3433	623	7	el	el	PROPN
fsr-3433	623	8	2	2	NUM
fsr-3433	623	9	a	a	DET
fsr-3433	623	10	m	m	NOUN
fsr-3433	623	11	e	e	NOUN
fsr-3433	623	12	o	o	NOUN
fsr-3433	623	13	r	r	NOUN
fsr-3433	623	14	s	s	NOUN
fsr-3433	623	15	o	o	NOUN
fsr-3433	623	16	r	r	NOUN
fsr-3433	623	17	a	a	DET
fsr-3433	623	18	m	m	NOUN
fsr-3433	623	19	e	e	NOUN
fsr-3433	624	1	o	o	NOUN
fsr-3433	624	2	r	r	NOUN
fsr-3433	624	3	s	s	NOUN
fsr-3433	624	4	o	o	NOUN
fsr-3433	624	5	r	r	NOUN
fsr-3433	624	6	f	f	NOUN
fsr-3433	624	7	in	in	ADP
fsr-3433	624	8	an	an	DET
fsr-3433	624	9	ci	ci	PROPN
fsr-3433	624	10	al	al	PROPN
fsr-3433	624	11	li	li	PROPN
fsr-3433	624	12	te	te	PROPN
fsr-3433	624	13	ra	ra	PROPN
fsr-3433	624	14	cy	cy	PROPN
fsr-3433	624	15	�	�	PROPN
fsr-3433	624	16	0	0	NUM
fsr-3433	624	17	.0	.0	NUM
fsr-3433	624	18	1	1	NUM
fsr-3433	624	19	5	5	NUM
fsr-3433	624	20	*	*	PUNCT
fsr-3433	625	1	*	*	PUNCT
fsr-3433	625	2	0	0	PUNCT
fsr-3433	626	1	.9	.9	NUM
fsr-3433	626	2	1	1	NUM
fsr-3433	626	3	5	5	NUM
fsr-3433	626	4	*	*	PUNCT
fsr-3433	626	5	*	*	PUNCT
fsr-3433	626	6	(	(	PUNCT
fsr-3433	626	7	0	0	NUM
fsr-3433	626	8	.0	.0	NUM
fsr-3433	626	9	3	3	NUM
fsr-3433	626	10	0	0	NUM
fsr-3433	626	11	)	)	PUNCT
fsr-3433	626	12	0	0	NUM
fsr-3433	627	1	.9	.9	NUM
fsr-3433	627	2	2	2	NUM
fsr-3433	627	3	2	2	NUM
fsr-3433	627	4	*	*	PUNCT
fsr-3433	627	5	*	*	PUNCT
fsr-3433	627	6	in	in	ADP
fsr-3433	627	7	fl	fl	PROPN
fsr-3433	627	8	at	at	ADP
fsr-3433	627	9	io	io	PROPN
fsr-3433	627	10	n	n	PRON
fsr-3433	627	11	�	�	PROPN
fsr-3433	627	12	0	0	NUM
fsr-3433	627	13	.0	.0	NUM
fsr-3433	627	14	1	1	NUM
fsr-3433	627	15	1	1	NUM
fsr-3433	627	16	0	0	NUM
fsr-3433	627	17	.9	.9	NUM
fsr-3433	627	18	3	3	NUM
fsr-3433	627	19	7	7	NUM
fsr-3433	627	20	(	(	PUNCT
fsr-3433	627	21	0	0	NUM
fsr-3433	627	22	.0	.0	NUM
fsr-3433	627	23	7	7	NUM
fsr-3433	627	24	4	4	NUM
fsr-3433	627	25	)	)	PUNCT
fsr-3433	627	26	0	0	NUM
fsr-3433	628	1	.9	.9	NUM
fsr-3433	628	2	7	7	NUM
fsr-3433	628	3	4	4	NUM
fsr-3433	628	4	p	p	NOUN
fsr-3433	628	5	o	o	X
fsr-3433	629	1	rt	rt	INTJ
fsr-3433	630	1	fo	fo	INTJ
fsr-3433	630	2	li	li	PROPN
fsr-3433	631	1	o	o	NOUN
fsr-3433	631	2	ch	ch	NOUN
fsr-3433	631	3	o	o	X
fsr-3433	631	4	ic	ic	PROPN
fsr-3433	631	5	e	e	X
fsr-3433	631	6	�	�	PROPN
fsr-3433	631	7	0	0	NUM
fsr-3433	631	8	.0	.0	NUM
fsr-3433	631	9	3	3	NUM
fsr-3433	631	10	2	2	NUM
fsr-3433	631	11	*	*	SYM
fsr-3433	631	12	0	0	NUM
fsr-3433	631	13	.8	.8	NUM
fsr-3433	631	14	2	2	NUM
fsr-3433	631	15	4	4	NUM
fsr-3433	631	16	*	*	PUNCT
fsr-3433	631	17	(	(	PUNCT
fsr-3433	631	18	0	0	NUM
fsr-3433	631	19	.0	.0	NUM
fsr-3433	631	20	7	7	NUM
fsr-3433	631	21	0	0	NUM
fsr-3433	631	22	)	)	PUNCT
fsr-3433	631	23	0	0	NUM
fsr-3433	632	1	.9	.9	NUM
fsr-3433	632	2	3	3	NUM
fsr-3433	632	3	5	5	NUM
fsr-3433	632	4	*	*	PUNCT
fsr-3433	632	5	s	s	VERB
fsr-3433	632	6	i	i	PRON
fsr-3433	632	7	m	m	VERB
fsr-3433	632	8	p	p	X
fsr-3433	632	9	le	le	X
fsr-3433	632	10	in	in	ADP
fsr-3433	632	11	te	te	PROPN
fsr-3433	632	12	re	re	PROPN
fsr-3433	632	13	st	st	PROPN
fsr-3433	632	14	�	�	PROPN
fsr-3433	632	15	0	0	NUM
fsr-3433	632	16	.0	.0	NUM
fsr-3433	632	17	4	4	NUM
fsr-3433	632	18	4	4	NUM
fsr-3433	632	19	*	*	SYM
fsr-3433	632	20	0	0	NUM
fsr-3433	633	1	.7	.7	NUM
fsr-3433	633	2	6	6	NUM
fsr-3433	633	3	9	9	NUM
fsr-3433	633	4	*	*	SYM
fsr-3433	633	5	(	(	PUNCT
fsr-3433	633	6	0	0	NUM
fsr-3433	633	7	.0	.0	NUM
fsr-3433	633	8	9	9	NUM
fsr-3433	633	9	7	7	NUM
fsr-3433	633	10	)	)	PUNCT
fsr-3433	633	11	0	0	NUM
fsr-3433	634	1	.9	.9	NUM
fsr-3433	634	2	3	3	NUM
fsr-3433	634	3	9	9	NUM
fsr-3433	634	4	*	*	SYM
fsr-3433	634	5	t	t	PROPN
fsr-3433	635	1	i	i	PRON
fsr-3433	635	2	m	m	VERB
fsr-3433	635	3	e	e	NOUN
fsr-3433	635	4	v	v	NUM
fsr-3433	635	5	al	al	PROPN
fsr-3433	635	6	u	u	PROPN
fsr-3433	636	1	e	e	NOUN
fsr-3433	636	2	o	o	NOUN
fsr-3433	636	3	f	f	X
fsr-3433	636	4	m	m	VERB
fsr-3433	636	5	o	o	NOUN
fsr-3433	636	6	n	n	INTJ
fsr-3433	636	7	ey	ey	INTJ
fsr-3433	636	8	0	0	NUM
fsr-3433	636	9	.0	.0	NUM
fsr-3433	636	10	3	3	NUM
fsr-3433	636	11	7	7	NUM
fsr-3433	636	12	*	*	SYM
fsr-3433	636	13	1	1	NUM
fsr-3433	636	14	.2	.2	NUM
fsr-3433	636	15	4	4	NUM
fsr-3433	636	16	9	9	NUM
fsr-3433	636	17	*	*	PUNCT
fsr-3433	636	18	(	(	PUNCT
fsr-3433	636	19	0	0	NUM
fsr-3433	636	20	.1	.1	NUM
fsr-3433	636	21	1	1	NUM
fsr-3433	636	22	1	1	NUM
fsr-3433	636	23	)	)	PUNCT
fsr-3433	636	24	1	1	NUM
fsr-3433	636	25	.0	.0	NUM
fsr-3433	636	26	8	8	NUM
fsr-3433	636	27	1	1	NUM
fsr-3433	636	28	*	*	NOUN
fsr-3433	636	29	r	r	NOUN
fsr-3433	636	30	is	be	AUX
fsr-3433	636	31	k	k	PROPN
fsr-3433	636	32	an	an	PRON
fsr-3433	636	33	d	d	X
fsr-3433	636	34	re	re	VERB
fsr-3433	636	35	tu	tu	PROPN
fsr-3433	636	36	rn	rn	PROPN
fsr-3433	636	37	�	�	PROPN
fsr-3433	636	38	0	0	PROPN
fsr-3433	636	39	.0	.0	NUM
fsr-3433	636	40	3	3	NUM
fsr-3433	636	41	7	7	NUM
fsr-3433	636	42	*	*	SYM
fsr-3433	636	43	0	0	NUM
fsr-3433	637	1	.8	.8	NUM
fsr-3433	637	2	0	0	SYM
fsr-3433	637	3	3	3	NUM
fsr-3433	637	4	*	*	PUNCT
fsr-3433	637	5	(	(	PUNCT
fsr-3433	637	6	0	0	NUM
fsr-3433	637	7	.0	.0	NUM
fsr-3433	637	8	8	8	NUM
fsr-3433	637	9	1	1	NUM
fsr-3433	637	10	)	)	PUNCT
fsr-3433	637	11	0	0	NUM
fsr-3433	638	1	.9	.9	NUM
fsr-3433	638	2	3	3	NUM
fsr-3433	638	3	7	7	NUM
fsr-3433	638	4	*	*	PUNCT
fsr-3433	638	5	a	a	PRON
fsr-3433	638	6	tt	tt	X
fsr-3433	638	7	it	it	PRON
fsr-3433	638	8	u	u	NOUN
fsr-3433	638	9	d	d	X
fsr-3433	638	10	e	e	X
fsr-3433	638	11	to	to	ADP
fsr-3433	638	12	w	w	PROPN
fsr-3433	638	13	ar	ar	PROPN
fsr-3433	638	14	d	d	PROPN
fsr-3433	638	15	s	s	PROPN
fsr-3433	638	16	b	b	PROPN
fsr-3433	638	17	al	al	PROPN
fsr-3433	638	18	an	an	DET
fsr-3433	638	19	ci	ci	PROPN
fsr-3433	638	20	n	n	CCONJ
fsr-3433	638	21	g	g	NOUN
fsr-3433	638	22	sp	sp	ADP
fsr-3433	638	23	en	en	X
fsr-3433	638	24	d	d	PROPN
fsr-3433	638	25	in	in	ADP
fsr-3433	638	26	g	g	PROPN
fsr-3433	638	27	an	an	DET
fsr-3433	638	28	d	d	X
fsr-3433	638	29	sa	sa	PROPN
fsr-3433	638	30	v	v	NOUN
fsr-3433	638	31	in	in	ADP
fsr-3433	638	32	g	g	PROPN
fsr-3433	638	33	s	s	PROPN
fsr-3433	638	34	�	�	PROPN
fsr-3433	638	35	0	0	NUM
fsr-3433	638	36	.0	.0	NUM
fsr-3433	638	37	5	5	NUM
fsr-3433	638	38	8	8	NUM
fsr-3433	638	39	*	*	PUNCT
fsr-3433	639	1	*	*	PUNCT
fsr-3433	639	2	*	*	PUNCT
fsr-3433	639	3	0	0	NUM
fsr-3433	640	1	.7	.7	NUM
fsr-3433	640	2	0	0	NUM
fsr-3433	640	3	7	7	NUM
fsr-3433	641	1	*	*	PUNCT
fsr-3433	641	2	*	*	PUNCT
fsr-3433	641	3	*	*	PUNCT
fsr-3433	641	4	(	(	PUNCT
fsr-3433	641	5	0	0	NUM
fsr-3433	641	6	.0	.0	NUM
fsr-3433	641	7	1	1	NUM
fsr-3433	641	8	5	5	NUM
fsr-3433	641	9	)	)	PUNCT
fsr-3433	641	10	0	0	NUM
fsr-3433	642	1	.5	.5	NUM
fsr-3433	642	2	9	9	NUM
fsr-3433	642	3	1	1	NUM
fsr-3433	642	4	*	*	PUNCT
fsr-3433	642	5	*	*	PUNCT
fsr-3433	642	6	*	*	PUNCT
fsr-3433	642	7	�	�	PROPN
fsr-3433	642	8	0	0	NUM
fsr-3433	642	9	.0	.0	NUM
fsr-3433	642	10	5	5	NUM
fsr-3433	642	11	8	8	NUM
fsr-3433	642	12	*	*	PUNCT
fsr-3433	643	1	*	*	PUNCT
fsr-3433	643	2	*	*	PUNCT
fsr-3433	643	3	0	0	NUM
fsr-3433	644	1	.7	.7	NUM
fsr-3433	644	2	0	0	NUM
fsr-3433	644	3	6	6	NUM
fsr-3433	644	4	*	*	PUNCT
fsr-3433	645	1	*	*	PUNCT
fsr-3433	645	2	*	*	PUNCT
fsr-3433	645	3	(	(	PUNCT
fsr-3433	645	4	0	0	NUM
fsr-3433	645	5	.0	.0	NUM
fsr-3433	645	6	1	1	NUM
fsr-3433	645	7	5	5	NUM
fsr-3433	645	8	)	)	PUNCT
fsr-3433	645	9	0	0	NUM
fsr-3433	646	1	.5	.5	NUM
fsr-3433	646	2	9	9	NUM
fsr-3433	646	3	0	0	NUM
fsr-3433	647	1	*	*	PUNCT
fsr-3433	648	1	*	*	PUNCT
fsr-3433	648	2	*	*	PUNCT
fsr-3433	648	3	f	f	X
fsr-3433	648	4	in	in	ADP
fsr-3433	648	5	an	an	DET
fsr-3433	648	6	ci	ci	PROPN
fsr-3433	648	7	al	al	PROPN
fsr-3433	648	8	sa	sa	PROPN
fsr-3433	648	9	ti	ti	PROPN
fsr-3433	648	10	sf	sf	INTJ
fsr-3433	648	11	ac	ac	PROPN
fsr-3433	648	12	ti	ti	PROPN
fsr-3433	648	13	o	o	PROPN
fsr-3433	648	14	n	n	X
fsr-3433	648	15	�	�	PROPN
fsr-3433	648	16	0	0	NUM
fsr-3433	648	17	.0	.0	NUM
fsr-3433	648	18	5	5	NUM
fsr-3433	648	19	4	4	NUM
fsr-3433	648	20	*	*	PUNCT
fsr-3433	649	1	*	*	PUNCT
fsr-3433	650	1	*	*	PUNCT
fsr-3433	650	2	0	0	NUM
fsr-3433	651	1	.7	.7	NUM
fsr-3433	651	2	2	2	NUM
fsr-3433	651	3	2	2	NUM
fsr-3433	651	4	*	*	PUNCT
fsr-3433	652	1	*	*	PUNCT
fsr-3433	652	2	*	*	PUNCT
fsr-3433	652	3	(	(	PUNCT
fsr-3433	652	4	0	0	NUM
fsr-3433	652	5	.0	.0	NUM
fsr-3433	652	6	1	1	NUM
fsr-3433	652	7	3	3	NUM
fsr-3433	652	8	)	)	PUNCT
fsr-3433	652	9	0	0	NUM
fsr-3433	653	1	.5	.5	NUM
fsr-3433	654	1	4	4	NUM
fsr-3433	654	2	4	4	NUM
fsr-3433	654	3	*	*	PUNCT
fsr-3433	654	4	*	*	PUNCT
fsr-3433	654	5	*	*	PUNCT
fsr-3433	654	6	�	�	PROPN
fsr-3433	654	7	0	0	NUM
fsr-3433	654	8	.0	.0	NUM
fsr-3433	654	9	5	5	NUM
fsr-3433	654	10	4	4	NUM
fsr-3433	654	11	*	*	PUNCT
fsr-3433	654	12	*	*	PUNCT
fsr-3433	655	1	*	*	PUNCT
fsr-3433	655	2	0	0	NUM
fsr-3433	656	1	.7	.7	NUM
fsr-3433	656	2	2	2	NUM
fsr-3433	656	3	1	1	NUM
fsr-3433	656	4	*	*	PUNCT
fsr-3433	657	1	*	*	PUNCT
fsr-3433	657	2	*	*	PUNCT
fsr-3433	657	3	(	(	PUNCT
fsr-3433	657	4	0	0	NUM
fsr-3433	657	5	.0	.0	NUM
fsr-3433	657	6	1	1	NUM
fsr-3433	657	7	3	3	NUM
fsr-3433	657	8	)	)	PUNCT
fsr-3433	657	9	0	0	NUM
fsr-3433	658	1	.5	.5	NUM
fsr-3433	658	2	4	4	NUM
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fsr-3433	658	4	*	*	PUNCT
fsr-3433	659	1	*	*	PUNCT
fsr-3433	659	2	*	*	PUNCT
fsr-3433	659	3	f	f	X
fsr-3433	659	4	em	em	PROPN
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fsr-3433	659	6	e	e	PROPN
fsr-3433	659	7	0	0	NUM
fsr-3433	660	1	.0	.0	NUM
fsr-3433	660	2	1	1	NUM
fsr-3433	660	3	1	1	NUM
fsr-3433	660	4	1	1	NUM
fsr-3433	660	5	.0	.0	NUM
fsr-3433	660	6	6	6	NUM
fsr-3433	660	7	7	7	NUM
fsr-3433	660	8	(	(	PUNCT
fsr-3433	660	9	0	0	NUM
fsr-3433	660	10	.0	.0	NUM
fsr-3433	660	11	6	6	NUM
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fsr-3433	660	13	)	)	PUNCT
fsr-3433	660	14	1	1	NUM
fsr-3433	660	15	.0	.0	NUM
fsr-3433	660	16	3	3	NUM
fsr-3433	660	17	3	3	NUM
fsr-3433	660	18	0	0	NUM
fsr-3433	660	19	.0	.0	NUM
fsr-3433	660	20	0	0	NUM
fsr-3433	660	21	7	7	NUM
fsr-3433	660	22	1	1	NUM
fsr-3433	660	23	.0	.0	NUM
fsr-3433	660	24	4	4	NUM
fsr-3433	660	25	3	3	NUM
fsr-3433	660	26	(	(	PUNCT
fsr-3433	660	27	0	0	NUM
fsr-3433	660	28	.0	.0	NUM
fsr-3433	660	29	6	6	NUM
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fsr-3433	660	31	)	)	PUNCT
fsr-3433	660	32	1	1	NUM
fsr-3433	660	33	.0	.0	NUM
fsr-3433	660	34	2	2	NUM
fsr-3433	660	35	1	1	NUM
fsr-3433	660	36	a	a	DET
fsr-3433	660	37	g	g	NOUN
fsr-3433	660	38	e	e	NOUN
fsr-3433	660	39	0	0	SYM
fsr-3433	660	40	.0	.0	NUM
fsr-3433	660	41	1	1	NUM
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fsr-3433	660	43	*	*	PUNCT
fsr-3433	660	44	*	*	PUNCT
fsr-3433	661	1	*	*	PUNCT
fsr-3433	661	2	1	1	NUM
fsr-3433	661	3	.1	.1	NUM
fsr-3433	661	4	1	1	NUM
fsr-3433	661	5	6	6	NUM
fsr-3433	661	6	*	*	PUNCT
fsr-3433	662	1	*	*	PUNCT
fsr-3433	662	2	*	*	PUNCT
fsr-3433	662	3	(	(	PUNCT
fsr-3433	662	4	0	0	NUM
fsr-3433	662	5	.0	.0	NUM
fsr-3433	662	6	2	2	NUM
fsr-3433	662	7	0	0	NUM
fsr-3433	662	8	)	)	PUNCT
fsr-3433	662	9	4	4	NUM
fsr-3433	662	10	.0	.0	NUM
fsr-3433	662	11	7	7	NUM
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fsr-3433	662	13	*	*	PUNCT
fsr-3433	663	1	*	*	PUNCT
fsr-3433	663	2	*	*	PUNCT
fsr-3433	663	3	0	0	NUM
fsr-3433	664	1	.0	.0	NUM
fsr-3433	664	2	1	1	NUM
fsr-3433	664	3	9	9	NUM
fsr-3433	664	4	*	*	PUNCT
fsr-3433	664	5	*	*	PUNCT
fsr-3433	665	1	*	*	PUNCT
fsr-3433	665	2	1	1	NUM
fsr-3433	665	3	.1	.1	NUM
fsr-3433	665	4	2	2	NUM
fsr-3433	665	5	1	1	NUM
fsr-3433	665	6	*	*	PUNCT
fsr-3433	666	1	*	*	PUNCT
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fsr-3433	666	3	(	(	PUNCT
fsr-3433	666	4	0	0	NUM
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fsr-3433	666	8	)	)	PUNCT
fsr-3433	666	9	4	4	NUM
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fsr-3433	666	13	*	*	PUNCT
fsr-3433	667	1	*	*	PUNCT
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fsr-3433	667	3	a	a	DET
fsr-3433	667	4	g	g	PROPN
fsr-3433	667	5	esq	esq	PROPN
fsr-3433	667	6	u	u	PROPN
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fsr-3433	667	15	*	*	PUNCT
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fsr-3433	669	1	*	*	PUNCT
fsr-3433	669	2	0	0	NUM
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fsr-3433	669	6	*	*	PUNCT
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fsr-3433	670	3	(	(	PUNCT
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fsr-3433	670	9	0	0	PUNCT
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fsr-3433	671	7	�	�	PROPN
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fsr-3433	671	13	*	*	PUNCT
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fsr-3433	672	2	0	0	NUM
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fsr-3433	672	6	*	*	PUNCT
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fsr-3433	673	3	(	(	PUNCT
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fsr-3433	673	9	0	0	PUNCT
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fsr-3433	674	7	in	in	ADP
fsr-3433	674	8	co	co	NOUN
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fsr-3433	675	1	.8	.8	NUM
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fsr-3433	675	3	6	6	NUM
fsr-3433	675	4	�	�	PROPN
fsr-3433	675	5	0	0	NUM
fsr-3433	675	6	.0	.0	NUM
fsr-3433	675	7	0	0	NUM
fsr-3433	675	8	0	0	NUM
fsr-3433	675	9	0	0	NUM
fsr-3433	675	10	0	0	NUM
fsr-3433	675	11	0	0	NUM
fsr-3433	675	12	3	3	NUM
fsr-3433	675	13	1	1	NUM
fsr-3433	675	14	.0	.0	NUM
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fsr-3433	675	17	(	(	PUNCT
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fsr-3433	675	20	0	0	NUM
fsr-3433	675	21	0	0	NUM
fsr-3433	675	22	)	)	PUNCT
fsr-3433	675	23	0	0	NUM
fsr-3433	676	1	.8	.8	NUM
fsr-3433	676	2	7	7	NUM
fsr-3433	676	3	8	8	NUM
fsr-3433	676	4	a	a	DET
fsr-3433	676	5	g	g	NOUN
fsr-3433	676	6	e	e	X
fsr-3433	676	7	*	*	PUNCT
fsr-3433	676	8	in	in	ADP
fsr-3433	676	9	co	co	NOUN
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fsr-3433	676	11	e	e	PROPN
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fsr-3433	676	16	0	0	NUM
fsr-3433	676	17	0	0	NUM
fsr-3433	676	18	0	0	NUM
fsr-3433	676	19	0	0	NUM
fsr-3433	676	20	0	0	NUM
fsr-3433	676	21	0	0	NUM
fsr-3433	676	22	0	0	NUM
fsr-3433	677	1	3	3	NUM
fsr-3433	677	2	1	1	NUM
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fsr-3433	677	4	0	0	NUM
fsr-3433	677	5	0	0	NUM
fsr-3433	677	6	(	(	PUNCT
fsr-3433	677	7	0	0	NUM
fsr-3433	677	8	.0	.0	NUM
fsr-3433	677	9	0	0	NUM
fsr-3433	677	10	0	0	NUM
fsr-3433	677	11	)	)	PUNCT
fsr-3433	677	12	0	0	NUM
fsr-3433	678	1	.9	.9	NUM
fsr-3433	678	2	9	9	NUM
fsr-3433	678	3	4	4	NUM
fsr-3433	678	4	�	�	NOUN
fsr-3433	678	5	0	0	NUM
fsr-3433	678	6	.0	.0	NUM
fsr-3433	678	7	0	0	NUM
fsr-3433	678	8	0	0	NUM
fsr-3433	678	9	0	0	NUM
fsr-3433	678	10	0	0	NUM
fsr-3433	678	11	0	0	NUM
fsr-3433	678	12	0	0	NUM
fsr-3433	678	13	0	0	NUM
fsr-3433	678	14	1	1	NUM
fsr-3433	678	15	1	1	NUM
fsr-3433	678	16	.0	.0	NUM
fsr-3433	678	17	0	0	NUM
fsr-3433	678	18	0	0	NUM
fsr-3433	678	19	(	(	PUNCT
fsr-3433	678	20	0	0	NUM
fsr-3433	678	21	.0	.0	NUM
fsr-3433	678	22	0	0	NUM
fsr-3433	678	23	0	0	NUM
fsr-3433	678	24	)	)	PUNCT
fsr-3433	678	25	0	0	NUM
fsr-3433	679	1	.9	.9	NUM
fsr-3433	680	1	6	6	NUM
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fsr-3433	680	3	e	e	NOUN
fsr-3433	680	4	m	m	PROPN
fsr-3433	680	5	p	p	NOUN
fsr-3433	680	6	lo	lo	PROPN
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fsr-3433	680	8	ed	ed	NOUN
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fsr-3433	680	10	.0	.0	NUM
fsr-3433	680	11	6	6	NUM
fsr-3433	680	12	0	0	NUM
fsr-3433	681	1	*	*	PUNCT
fsr-3433	682	1	*	*	PUNCT
fsr-3433	682	2	*	*	PUNCT
fsr-3433	682	3	1	1	NUM
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fsr-3433	682	5	3	3	NUM
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fsr-3433	682	7	*	*	PUNCT
fsr-3433	683	1	*	*	PUNCT
fsr-3433	683	2	*	*	PUNCT
fsr-3433	683	3	(	(	PUNCT
fsr-3433	683	4	0	0	NUM
fsr-3433	683	5	.1	.1	NUM
fsr-3433	683	6	5	5	NUM
fsr-3433	683	7	1	1	NUM
fsr-3433	683	8	)	)	PUNCT
fsr-3433	683	9	1	1	NUM
fsr-3433	683	10	.1	.1	NUM
fsr-3433	683	11	1	1	NUM
fsr-3433	683	12	4	4	NUM
fsr-3433	683	13	*	*	PUNCT
fsr-3433	684	1	*	*	PUNCT
fsr-3433	685	1	*	*	PUNCT
fsr-3433	685	2	0	0	NUM
fsr-3433	685	3	.0	.0	NUM
fsr-3433	685	4	5	5	NUM
fsr-3433	685	5	8	8	NUM
fsr-3433	685	6	*	*	PUNCT
fsr-3433	686	1	*	*	PUNCT
fsr-3433	686	2	*	*	PUNCT
fsr-3433	686	3	1	1	NUM
fsr-3433	686	4	.4	.4	NUM
fsr-3433	686	5	2	2	NUM
fsr-3433	686	6	1	1	NUM
fsr-3433	686	7	*	*	PUNCT
fsr-3433	687	1	*	*	PUNCT
fsr-3433	687	2	*	*	PUNCT
fsr-3433	687	3	(	(	PUNCT
fsr-3433	687	4	0	0	NUM
fsr-3433	687	5	.1	.1	NUM
fsr-3433	687	6	5	5	NUM
fsr-3433	687	7	0	0	NUM
fsr-3433	687	8	)	)	PUNCT
fsr-3433	687	9	1	1	NUM
fsr-3433	687	10	.1	.1	NUM
fsr-3433	687	11	1	1	NUM
fsr-3433	687	12	2	2	NUM
fsr-3433	687	13	*	*	PUNCT
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fsr-3433	687	15	*	*	PUNCT
fsr-3433	687	16	m	m	PROPN
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fsr-3433	687	21	0	0	NUM
fsr-3433	687	22	.0	.0	NUM
fsr-3433	687	23	3	3	NUM
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fsr-3433	687	25	*	*	PUNCT
fsr-3433	687	26	*	*	PUNCT
fsr-3433	687	27	0	0	NUM
fsr-3433	688	1	.8	.8	NUM
fsr-3433	688	2	1	1	NUM
fsr-3433	688	3	9	9	NUM
fsr-3433	688	4	*	*	PUNCT
fsr-3433	688	5	*	*	PUNCT
fsr-3433	688	6	(	(	PUNCT
fsr-3433	688	7	0	0	NUM
fsr-3433	688	8	.0	.0	NUM
fsr-3433	688	9	5	5	NUM
fsr-3433	688	10	2	2	NUM
fsr-3433	688	11	)	)	PUNCT
fsr-3433	688	12	0	0	NUM
fsr-3433	689	1	.9	.9	NUM
fsr-3433	689	2	0	0	NUM
fsr-3433	689	3	7	7	NUM
fsr-3433	689	4	*	*	PUNCT
fsr-3433	689	5	*	*	PUNCT
fsr-3433	689	6	�	�	PROPN
fsr-3433	689	7	0	0	NUM
fsr-3433	689	8	.0	.0	NUM
fsr-3433	689	9	3	3	NUM
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fsr-3433	689	11	*	*	PUNCT
fsr-3433	690	1	*	*	PUNCT
fsr-3433	690	2	0	0	NUM
fsr-3433	690	3	.8	.8	NUM
fsr-3433	690	4	2	2	NUM
fsr-3433	690	5	5	5	NUM
fsr-3433	690	6	*	*	PUNCT
fsr-3433	690	7	*	*	PUNCT
fsr-3433	690	8	(	(	PUNCT
fsr-3433	690	9	0	0	NUM
fsr-3433	690	10	.0	.0	NUM
fsr-3433	690	11	5	5	NUM
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fsr-3433	690	14	0	0	NUM
fsr-3433	691	1	.9	.9	NUM
fsr-3433	691	2	1	1	NUM
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fsr-3433	692	1	*	*	PUNCT
fsr-3433	692	2	*	*	PUNCT
fsr-3433	693	1	m	m	VERB
fsr-3433	693	2	in	in	ADP
fsr-3433	693	3	i	i	PRON
fsr-3433	693	4	m	m	VERB
fsr-3433	693	5	u	u	NOUN
fsr-3433	693	6	m	m	PROPN
fsr-3433	693	7	b	b	PROPN
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fsr-3433	694	2	h	h	PROPN
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fsr-3433	695	2	o	o	NOUN
fsr-3433	695	3	r	r	NOUN
fsr-3433	695	4	d	d	X
fsr-3433	695	5	eg	eg	X
fsr-3433	695	6	re	re	X
fsr-3433	695	7	e	e	PROPN
fsr-3433	695	8	�	�	PROPN
fsr-3433	695	9	0	0	PROPN
fsr-3433	695	10	.0	.0	NUM
fsr-3433	695	11	9	9	NUM
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fsr-3433	695	13	*	*	PUNCT
fsr-3433	696	1	*	*	PUNCT
fsr-3433	697	1	*	*	PUNCT
fsr-3433	697	2	0	0	NUM
fsr-3433	698	1	.5	.5	NUM
fsr-3433	698	2	5	5	NUM
fsr-3433	698	3	7	7	NUM
fsr-3433	698	4	*	*	PUNCT
fsr-3433	699	1	*	*	PUNCT
fsr-3433	699	2	*	*	PUNCT
fsr-3433	699	3	(	(	PUNCT
fsr-3433	699	4	0	0	NUM
fsr-3433	699	5	.0	.0	NUM
fsr-3433	699	6	3	3	NUM
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fsr-3433	699	8	)	)	PUNCT
fsr-3433	699	9	0	0	NUM
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fsr-3433	700	3	0	0	PUNCT
fsr-3433	700	4	*	*	PUNCT
fsr-3433	701	1	*	*	PUNCT
fsr-3433	701	2	*	*	PUNCT
fsr-3433	701	3	�	�	PROPN
fsr-3433	701	4	0	0	NUM
fsr-3433	701	5	.0	.0	NUM
fsr-3433	701	6	9	9	NUM
fsr-3433	701	7	7	7	NUM
fsr-3433	701	8	*	*	PUNCT
fsr-3433	702	1	*	*	PUNCT
fsr-3433	703	1	*	*	PUNCT
fsr-3433	703	2	0	0	NUM
fsr-3433	703	3	.5	.5	NUM
fsr-3433	703	4	5	5	NUM
fsr-3433	703	5	8	8	NUM
fsr-3433	703	6	*	*	PUNCT
fsr-3433	704	1	*	*	PUNCT
fsr-3433	704	2	*	*	PUNCT
fsr-3433	704	3	(	(	PUNCT
fsr-3433	704	4	0	0	NUM
fsr-3433	704	5	.0	.0	NUM
fsr-3433	704	6	3	3	NUM
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fsr-3433	704	8	)	)	PUNCT
fsr-3433	704	9	0	0	NUM
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fsr-3433	705	4	*	*	PUNCT
fsr-3433	705	5	*	*	PUNCT
fsr-3433	706	1	*	*	PUNCT
fsr-3433	706	2	c	c	X
fsr-3433	706	3	o	o	X
fsr-3433	706	4	n	n	PRON
fsr-3433	706	5	st	st	PROPN
fsr-3433	706	6	an	an	DET
fsr-3433	706	7	t	t	PROPN
fsr-3433	706	8	3	3	NUM
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fsr-3433	706	12	*	*	PUNCT
fsr-3433	706	13	*	*	PUNCT
fsr-3433	706	14	(	(	PUNCT
fsr-3433	706	15	1	1	NUM
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fsr-3433	706	19	)	)	PUNCT
fsr-3433	706	20	3	3	NUM
fsr-3433	706	21	.5	.5	NUM
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fsr-3433	707	1	*	*	PUNCT
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fsr-3433	707	3	(	(	PUNCT
fsr-3433	707	4	1	1	NUM
fsr-3433	707	5	.4	.4	NUM
fsr-3433	707	6	8	8	NUM
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fsr-3433	707	8	)	)	PUNCT
fsr-3433	707	9	n	n	PRON
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fsr-3433	707	11	,	,	PUNCT
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fsr-3433	707	16	,	,	PUNCT
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fsr-3433	707	18	6	6	NUM
fsr-3433	707	19	1	1	NUM
fsr-3433	707	20	p	p	NOUN
fsr-3433	707	21	se	se	X
fsr-3433	707	22	u	u	PROPN
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fsr-3433	708	2	o	o	NOUN
fsr-3433	708	3	r	r	NOUN
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fsr-3433	708	5	0	0	NUM
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fsr-3433	708	7	6	6	NUM
fsr-3433	708	8	3	3	NUM
fsr-3433	708	9	0	0	NUM
fsr-3433	708	10	.1	.1	NUM
fsr-3433	708	11	6	6	NUM
fsr-3433	708	12	5	5	NUM
fsr-3433	708	13	x	x	SYM
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fsr-3433	708	15	v	v	NOUN
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fsr-3433	708	20	3	3	NUM
fsr-3433	708	21	1	1	NUM
fsr-3433	708	22	2	2	NUM
fsr-3433	708	23	.2	.2	NUM
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fsr-3433	708	25	*	*	PUNCT
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fsr-3433	709	5	2	2	NUM
fsr-3433	709	6	8	8	NUM
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fsr-3433	709	8	7	7	NUM
fsr-3433	709	9	*	*	PUNCT
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fsr-3433	710	3	p	p	NOUN
fsr-3433	710	4	ea	ea	INTJ
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fsr-3433	710	6	o	o	PROPN
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fsr-3433	711	5	6	6	NUM
fsr-3433	711	6	4	4	NUM
fsr-3433	711	7	4	4	NUM
fsr-3433	711	8	.3	.3	NUM
fsr-3433	711	9	4	4	NUM
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fsr-3433	713	2	p	p	X
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fsr-3433	713	5	0	0	NUM
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fsr-3433	713	7	,	,	PUNCT
fsr-3433	713	8	*	*	PUNCT
fsr-3433	713	9	*	*	PUNCT
fsr-3433	714	1	p	p	X
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fsr-3433	714	5	,	,	PUNCT
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fsr-3433	714	7	p	p	X
fsr-3433	714	8	<	<	X
fsr-3433	714	9	.0	.0	NUM
fsr-3433	714	10	5	5	NUM
fsr-3433	714	11	.	.	PUNCT
fsr-3433	715	1	a	a	DET
fsr-3433	715	2	m	m	NOUN
fsr-3433	715	3	e	e	NOUN
fsr-3433	715	4	=	=	SYM
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fsr-3433	715	8	e	e	PROPN
fsr-3433	715	9	m	m	PROPN
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fsr-3433	715	11	g	g	PROPN
fsr-3433	715	12	in	in	ADP
fsr-3433	715	13	al	al	PROPN
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fsr-3433	715	15	fe	fe	X
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fsr-3433	715	18	;	;	PUNCT
fsr-3433	716	1	o	o	NOUN
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fsr-3433	717	4	ra	ra	INTJ
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fsr-3433	717	7	;	;	PUNCT
fsr-3433	717	8	s	s	VERB
fsr-3433	717	9	o	o	NOUN
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fsr-3433	717	11	=	=	SYM
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fsr-3433	719	1	d	d	NOUN
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fsr-3433	723	3	s	s	VERB
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fsr-3433	723	7	.	.	PUNCT
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fsr-3433	724	4	d	d	PROPN
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fsr-3433	725	8	en	en	X
fsr-3433	725	9	th	th	X
fsr-3433	725	10	es	es	X
fsr-3433	725	11	es	es	X
fsr-3433	725	12	.	.	PUNCT
fsr-3433	726	1	m.	m.	PROPN
fsr-3433	726	2	s.	s.	PROPN
fsr-3433	726	3	tahir	tahir	PROPN
fsr-3433	726	4	et	et	PROPN
fsr-3433	726	5	al	al	PROPN
fsr-3433	726	6	.	.	PUNCT
fsr-3433	726	7	/	/	SYM
fsr-3433	726	8	financial	financial	ADJ
fsr-3433	726	9	services	service	NOUN
fsr-3433	726	10	review	review	VERB
fsr-3433	726	11	28	28	NUM
fsr-3433	726	12	(	(	PUNCT
fsr-3433	726	13	2020	2020	NUM
fsr-3433	726	14	)	)	PUNCT
fsr-3433	727	1	273–301	273–301	NUM
fsr-3433	727	2	291	291	NUM
fsr-3433	727	3	simple	simple	ADJ
fsr-3433	727	4	interest	interest	NOUN
fsr-3433	727	5	and	and	CCONJ
fsr-3433	727	6	risk	risk	NOUN
fsr-3433	727	7	and	and	CCONJ
fsr-3433	727	8	return	return	VERB
fsr-3433	727	9	concepts	concept	NOUN
fsr-3433	727	10	are	be	AUX
fsr-3433	727	11	more	more	ADV
fsr-3433	727	12	likely	likely	ADJ
fsr-3433	727	13	to	to	PART
fsr-3433	727	14	avoid	avoid	VERB
fsr-3433	727	15	credit	credit	NOUN
fsr-3433	727	16	card	card	NOUN
fsr-3433	727	17	debt	debt	NOUN
fsr-3433	727	18	by	by	ADP
fsr-3433	727	19	5.5	5.5	NUM
fsr-3433	727	20	%	%	NOUN
fsr-3433	727	21	and	and	CCONJ
fsr-3433	727	22	4.0	4.0	NUM
fsr-3433	727	23	%	%	NOUN
fsr-3433	727	24	,	,	PUNCT
fsr-3433	727	25	respectively	respectively	ADV
fsr-3433	727	26	,	,	PUNCT
fsr-3433	727	27	when	when	SCONJ
fsr-3433	727	28	attitude	attitude	NOUN
fsr-3433	727	29	towards	towards	ADP
fsr-3433	727	30	balancing	balance	VERB
fsr-3433	727	31	spending	spending	NOUN
fsr-3433	727	32	and	and	CCONJ
fsr-3433	727	33	savings	saving	NOUN
fsr-3433	727	34	is	be	AUX
fsr-3433	727	35	controlled	control	VERB
fsr-3433	727	36	in	in	ADP
fsr-3433	727	37	the	the	DET
fsr-3433	727	38	model	model	NOUN
fsr-3433	727	39	.	.	PUNCT
fsr-3433	728	1	moreover	moreover	ADV
fsr-3433	728	2	,	,	PUNCT
fsr-3433	728	3	the	the	DET
fsr-3433	728	4	attitude	attitude	NOUN
fsr-3433	728	5	towards	towards	ADP
fsr-3433	728	6	balancing	balance	VERB
fsr-3433	728	7	spending	spending	NOUN
fsr-3433	728	8	and	and	CCONJ
fsr-3433	728	9	savings	saving	NOUN
fsr-3433	728	10	variable	variable	NOUN
fsr-3433	728	11	is	be	AUX
fsr-3433	728	12	highly	highly	ADV
fsr-3433	728	13	statistically	statistically	ADV
fsr-3433	728	14	significant	significant	ADJ
fsr-3433	728	15	in	in	ADP
fsr-3433	728	16	both	both	CCONJ
fsr-3433	728	17	the	the	DET
fsr-3433	728	18	models	model	NOUN
fsr-3433	728	19	of	of	ADP
fsr-3433	728	20	table	table	NOUN
fsr-3433	728	21	6	6	NUM
fsr-3433	728	22	supporting	support	VERB
fsr-3433	728	23	hypothesis	hypothesis	NOUN
fsr-3433	728	24	2	2	NUM
fsr-3433	728	25	.	.	PUNCT
fsr-3433	729	1	the	the	DET
fsr-3433	729	2	ame	ame	PROPN
fsr-3433	729	3	shows	show	VERB
fsr-3433	729	4	that	that	SCONJ
fsr-3433	729	5	if	if	SCONJ
fsr-3433	729	6	a	a	DET
fsr-3433	729	7	person	person	NOUN
fsr-3433	729	8	shows	show	VERB
fsr-3433	729	9	a	a	DET
fsr-3433	729	10	one	one	NUM
fsr-3433	729	11	-	-	PUNCT
fsr-3433	729	12	point	point	NOUN
fsr-3433	729	13	positive	positive	ADJ
fsr-3433	729	14	attitude	attitude	NOUN
fsr-3433	729	15	towards	towards	ADP
fsr-3433	729	16	balancing	balance	VERB
fsr-3433	729	17	their	their	PRON
fsr-3433	729	18	spending	spending	NOUN
fsr-3433	729	19	and	and	CCONJ
fsr-3433	729	20	savings	saving	NOUN
fsr-3433	729	21	,	,	PUNCT
fsr-3433	729	22	it	it	PRON
fsr-3433	729	23	would	would	AUX
fsr-3433	729	24	decrease	decrease	VERB
fsr-3433	729	25	their	their	PRON
fsr-3433	729	26	likelihood	likelihood	NOUN
fsr-3433	729	27	of	of	ADP
fsr-3433	729	28	having	have	VERB
fsr-3433	729	29	credit	credit	NOUN
fsr-3433	729	30	card	card	NOUN
fsr-3433	729	31	debt	debt	NOUN
fsr-3433	729	32	by	by	ADP
fsr-3433	729	33	8	8	NUM
fsr-3433	729	34	%	%	NOUN
fsr-3433	729	35	.	.	PUNCT
fsr-3433	730	1	moreover	moreover	ADV
fsr-3433	730	2	,	,	PUNCT
fsr-3433	730	3	the	the	DET
fsr-3433	730	4	comparison	comparison	NOUN
fsr-3433	730	5	of	of	ADP
fsr-3433	730	6	the	the	DET
fsr-3433	730	7	ames	ame	NOUN
fsr-3433	730	8	reveals	reveal	VERB
fsr-3433	730	9	that	that	SCONJ
fsr-3433	730	10	the	the	DET
fsr-3433	730	11	relative	relative	ADJ
fsr-3433	730	12	strength	strength	NOUN
fsr-3433	730	13	of	of	ADP
fsr-3433	730	14	the	the	DET
fsr-3433	730	15	attitude	attitude	NOUN
fsr-3433	730	16	towards	towards	ADP
fsr-3433	730	17	balancing	balance	VERB
fsr-3433	730	18	spending	spending	NOUN
fsr-3433	730	19	and	and	CCONJ
fsr-3433	730	20	savings	saving	NOUN
fsr-3433	730	21	variable	variable	NOUN
fsr-3433	730	22	(	(	PUNCT
fsr-3433	730	23	ame	ame	PROPN
fsr-3433	730	24	=	=	SYM
fsr-3433	730	25	�	�	PROPN
fsr-3433	730	26	0.080	0.080	NUM
fsr-3433	730	27	)	)	PUNCT
fsr-3433	730	28	is	be	AUX
fsr-3433	730	29	higher	high	ADJ
fsr-3433	730	30	than	than	ADP
fsr-3433	730	31	that	that	PRON
fsr-3433	730	32	of	of	ADP
fsr-3433	730	33	the	the	DET
fsr-3433	730	34	financial	financial	ADJ
fsr-3433	730	35	literacy	literacy	NOUN
fsr-3433	730	36	score	score	NOUN
fsr-3433	730	37	variable	variable	NOUN
fsr-3433	730	38	(	(	PUNCT
fsr-3433	730	39	ame	ame	PROPN
fsr-3433	730	40	=	=	SYM
fsr-3433	730	41	�	�	PROPN
fsr-3433	730	42	0.015	0.015	NUM
fsr-3433	730	43	)	)	PUNCT
fsr-3433	730	44	.	.	PUNCT
fsr-3433	731	1	table	table	NOUN
fsr-3433	731	2	7	7	NUM
fsr-3433	731	3	below	below	ADV
fsr-3433	731	4	adds	add	VERB
fsr-3433	731	5	the	the	DET
fsr-3433	731	6	financial	financial	ADJ
fsr-3433	731	7	satisfaction	satisfaction	NOUN
fsr-3433	731	8	variable	variable	NOUN
fsr-3433	731	9	in	in	ADP
fsr-3433	731	10	the	the	DET
fsr-3433	731	11	analysis	analysis	NOUN
fsr-3433	731	12	.	.	PUNCT
fsr-3433	732	1	the	the	DET
fsr-3433	732	2	results	result	NOUN
fsr-3433	732	3	are	be	AUX
fsr-3433	732	4	comparable	comparable	ADJ
fsr-3433	732	5	to	to	ADP
fsr-3433	732	6	table	table	NOUN
fsr-3433	732	7	5	5	NUM
fsr-3433	732	8	and	and	CCONJ
fsr-3433	732	9	table	table	NOUN
fsr-3433	732	10	6	6	NUM
fsr-3433	732	11	above	above	ADV
fsr-3433	732	12	.	.	PUNCT
fsr-3433	733	1	the	the	DET
fsr-3433	733	2	financial	financial	ADJ
fsr-3433	733	3	literacy	literacy	NOUN
fsr-3433	733	4	variable	variable	NOUN
fsr-3433	733	5	in	in	ADP
fsr-3433	733	6	the	the	DET
fsr-3433	733	7	first	first	ADJ
fsr-3433	733	8	model	model	NOUN
fsr-3433	733	9	of	of	ADP
fsr-3433	733	10	table	table	NOUN
fsr-3433	733	11	7	7	NUM
fsr-3433	733	12	shows	show	VERB
fsr-3433	733	13	no	no	DET
fsr-3433	733	14	change	change	NOUN
fsr-3433	733	15	in	in	ADP
fsr-3433	733	16	the	the	DET
fsr-3433	733	17	statistical	statistical	ADJ
fsr-3433	733	18	significance	significance	NOUN
fsr-3433	733	19	level	level	NOUN
fsr-3433	733	20	,	,	PUNCT
fsr-3433	733	21	nor	nor	CCONJ
fsr-3433	733	22	in	in	ADP
fsr-3433	733	23	the	the	DET
fsr-3433	733	24	ame	ame	PROPN
fsr-3433	733	25	value	value	NOUN
fsr-3433	733	26	.	.	PUNCT
fsr-3433	734	1	it	it	PRON
fsr-3433	734	2	implies	imply	VERB
fsr-3433	734	3	that	that	SCONJ
fsr-3433	734	4	the	the	DET
fsr-3433	734	5	financial	financial	ADJ
fsr-3433	734	6	satisfaction	satisfaction	NOUN
fsr-3433	734	7	variable	variable	NOUN
fsr-3433	734	8	does	do	AUX
fsr-3433	734	9	not	not	PART
fsr-3433	734	10	have	have	VERB
fsr-3433	734	11	any	any	DET
fsr-3433	734	12	effect	effect	NOUN
fsr-3433	734	13	on	on	ADP
fsr-3433	734	14	the	the	DET
fsr-3433	734	15	relative	relative	ADJ
fsr-3433	734	16	strength	strength	NOUN
fsr-3433	734	17	of	of	ADP
fsr-3433	734	18	the	the	DET
fsr-3433	734	19	financial	financial	ADJ
fsr-3433	734	20	literacy	literacy	NOUN
fsr-3433	734	21	variable	variable	NOUN
fsr-3433	734	22	towards	towards	ADP
fsr-3433	734	23	credit	credit	NOUN
fsr-3433	734	24	card	card	NOUN
fsr-3433	734	25	debt	debt	NOUN
fsr-3433	734	26	-	-	PUNCT
fsr-3433	734	27	taking	taking	NOUN
fsr-3433	734	28	.	.	PUNCT
fsr-3433	735	1	however	however	ADV
fsr-3433	735	2	,	,	PUNCT
fsr-3433	735	3	the	the	DET
fsr-3433	735	4	second	second	ADJ
fsr-3433	735	5	model	model	NOUN
fsr-3433	735	6	of	of	ADP
fsr-3433	735	7	table	table	NOUN
fsr-3433	735	8	7	7	NUM
fsr-3433	735	9	shows	show	VERB
fsr-3433	735	10	that	that	SCONJ
fsr-3433	735	11	,	,	PUNCT
fsr-3433	735	12	unlike	unlike	ADP
fsr-3433	735	13	the	the	DET
fsr-3433	735	14	results	result	NOUN
fsr-3433	735	15	of	of	ADP
fsr-3433	735	16	table	table	NOUN
fsr-3433	735	17	5	5	NUM
fsr-3433	735	18	and	and	CCONJ
fsr-3433	735	19	table	table	NOUN
fsr-3433	735	20	6	6	NUM
fsr-3433	735	21	,	,	PUNCT
fsr-3433	735	22	the	the	DET
fsr-3433	735	23	dummy	dummy	ADJ
fsr-3433	735	24	variables	variable	NOUN
fsr-3433	735	25	of	of	ADP
fsr-3433	735	26	portfolio	portfolio	NOUN
fsr-3433	735	27	choice	choice	NOUN
fsr-3433	735	28	and	and	CCONJ
fsr-3433	735	29	time	time	NOUN
fsr-3433	735	30	value	value	NOUN
fsr-3433	735	31	of	of	ADP
fsr-3433	735	32	money	money	NOUN
fsr-3433	735	33	are	be	AUX
fsr-3433	735	34	statistically	statistically	ADV
fsr-3433	735	35	significant	significant	ADJ
fsr-3433	735	36	.	.	PUNCT
fsr-3433	736	1	the	the	DET
fsr-3433	736	2	results	result	NOUN
fsr-3433	736	3	further	far	ADV
fsr-3433	736	4	show	show	VERB
fsr-3433	736	5	a	a	DET
fsr-3433	736	6	positive	positive	ADJ
fsr-3433	736	7	association	association	NOUN
fsr-3433	736	8	of	of	ADP
fsr-3433	736	9	the	the	DET
fsr-3433	736	10	time	time	NOUN
fsr-3433	736	11	value	value	NOUN
fsr-3433	736	12	of	of	ADP
fsr-3433	736	13	money	money	NOUN
fsr-3433	736	14	dummy	dummy	ADJ
fsr-3433	736	15	variable	variable	NOUN
fsr-3433	736	16	.	.	PUNCT
fsr-3433	737	1	it	it	PRON
fsr-3433	737	2	implies	imply	VERB
fsr-3433	737	3	that	that	SCONJ
fsr-3433	737	4	those	those	PRON
fsr-3433	737	5	who	who	PRON
fsr-3433	737	6	know	know	VERB
fsr-3433	737	7	the	the	DET
fsr-3433	737	8	concept	concept	NOUN
fsr-3433	737	9	of	of	ADP
fsr-3433	737	10	time	time	NOUN
fsr-3433	737	11	value	value	NOUN
fsr-3433	737	12	of	of	ADP
fsr-3433	737	13	money	money	NOUN
fsr-3433	737	14	,	,	PUNCT
fsr-3433	737	15	are	be	AUX
fsr-3433	737	16	more	more	ADV
fsr-3433	737	17	likely	likely	ADJ
fsr-3433	737	18	to	to	PART
fsr-3433	737	19	have	have	VERB
fsr-3433	737	20	credit	credit	NOUN
fsr-3433	737	21	card	card	NOUN
fsr-3433	737	22	debt	debt	NOUN
fsr-3433	737	23	when	when	SCONJ
fsr-3433	737	24	the	the	DET
fsr-3433	737	25	financial	financial	ADJ
fsr-3433	737	26	satisfaction	satisfaction	NOUN
fsr-3433	737	27	variable	variable	NOUN
fsr-3433	737	28	is	be	AUX
fsr-3433	737	29	incorporated	incorporate	VERB
fsr-3433	737	30	in	in	ADP
fsr-3433	737	31	the	the	DET
fsr-3433	737	32	model	model	NOUN
fsr-3433	737	33	.	.	PUNCT
fsr-3433	738	1	moreover	moreover	ADV
fsr-3433	738	2	,	,	PUNCT
fsr-3433	738	3	in	in	ADP
fsr-3433	738	4	both	both	CCONJ
fsr-3433	738	5	the	the	DET
fsr-3433	738	6	models	model	NOUN
fsr-3433	738	7	of	of	ADP
fsr-3433	738	8	table	table	NOUN
fsr-3433	738	9	7	7	NUM
fsr-3433	738	10	,	,	PUNCT
fsr-3433	738	11	the	the	DET
fsr-3433	738	12	financial	financial	ADJ
fsr-3433	738	13	satisfaction	satisfaction	NOUN
fsr-3433	738	14	variable	variable	NOUN
fsr-3433	738	15	is	be	AUX
fsr-3433	738	16	highly	highly	ADV
fsr-3433	738	17	statistically	statistically	ADV
fsr-3433	738	18	significant	significant	ADJ
fsr-3433	738	19	.	.	PUNCT
fsr-3433	739	1	this	this	DET
fsr-3433	739	2	analysis	analysis	NOUN
fsr-3433	739	3	supporting	support	VERB
fsr-3433	739	4	hypothesis	hypothesis	NOUN
fsr-3433	739	5	3	3	NUM
fsr-3433	739	6	.	.	PUNCT
fsr-3433	740	1	the	the	DET
fsr-3433	740	2	ame	ame	PROPN
fsr-3433	740	3	shows	show	VERB
fsr-3433	740	4	that	that	SCONJ
fsr-3433	740	5	if	if	SCONJ
fsr-3433	740	6	a	a	DET
fsr-3433	740	7	person	person	NOUN
fsr-3433	740	8	indicates	indicate	VERB
fsr-3433	740	9	a	a	DET
fsr-3433	740	10	one	one	NUM
fsr-3433	740	11	-	-	PUNCT
fsr-3433	740	12	point	point	NOUN
fsr-3433	740	13	increase	increase	NOUN
fsr-3433	740	14	in	in	ADP
fsr-3433	740	15	their	their	PRON
fsr-3433	740	16	financial	financial	ADJ
fsr-3433	740	17	satisfaction	satisfaction	NOUN
fsr-3433	740	18	level	level	NOUN
fsr-3433	740	19	,	,	PUNCT
fsr-3433	740	20	it	it	PRON
fsr-3433	740	21	would	would	AUX
fsr-3433	740	22	decrease	decrease	VERB
fsr-3433	740	23	their	their	PRON
fsr-3433	740	24	likelihood	likelihood	NOUN
fsr-3433	740	25	of	of	ADP
fsr-3433	740	26	having	have	VERB
fsr-3433	740	27	debt	debt	NOUN
fsr-3433	740	28	by	by	ADP
fsr-3433	740	29	5.4	5.4	NUM
fsr-3433	740	30	%	%	NOUN
fsr-3433	740	31	.	.	PUNCT
fsr-3433	741	1	furthermore	furthermore	ADV
fsr-3433	741	2	,	,	PUNCT
fsr-3433	741	3	the	the	DET
fsr-3433	741	4	attitude	attitude	NOUN
fsr-3433	741	5	towards	towards	ADP
fsr-3433	741	6	balancing	balance	VERB
fsr-3433	741	7	spending	spending	NOUN
fsr-3433	741	8	and	and	CCONJ
fsr-3433	741	9	savings	saving	NOUN
fsr-3433	741	10	variable	variable	NOUN
fsr-3433	741	11	is	be	AUX
fsr-3433	741	12	still	still	ADV
fsr-3433	741	13	highly	highly	ADV
fsr-3433	741	14	statistically	statistically	ADV
fsr-3433	741	15	significant	significant	ADJ
fsr-3433	741	16	in	in	ADP
fsr-3433	741	17	both	both	CCONJ
fsr-3433	741	18	the	the	DET
fsr-3433	741	19	models	model	NOUN
fsr-3433	741	20	of	of	ADP
fsr-3433	741	21	table	table	NOUN
fsr-3433	741	22	7	7	NUM
fsr-3433	741	23	as	as	ADP
fsr-3433	741	24	similar	similar	ADJ
fsr-3433	741	25	to	to	ADP
fsr-3433	741	26	the	the	DET
fsr-3433	741	27	models	model	NOUN
fsr-3433	741	28	of	of	ADP
fsr-3433	741	29	table	table	NOUN
fsr-3433	741	30	6	6	NUM
fsr-3433	741	31	.	.	PUNCT
fsr-3433	742	1	the	the	DET
fsr-3433	742	2	ame	ame	PROPN
fsr-3433	742	3	shows	show	VERB
fsr-3433	742	4	that	that	SCONJ
fsr-3433	742	5	if	if	SCONJ
fsr-3433	742	6	a	a	DET
fsr-3433	742	7	person	person	NOUN
fsr-3433	742	8	shows	show	VERB
fsr-3433	742	9	a	a	DET
fsr-3433	742	10	one	one	NUM
fsr-3433	742	11	-	-	PUNCT
fsr-3433	742	12	point	point	NOUN
fsr-3433	742	13	positive	positive	ADJ
fsr-3433	742	14	attitude	attitude	NOUN
fsr-3433	742	15	towards	towards	ADP
fsr-3433	742	16	balancing	balance	VERB
fsr-3433	742	17	their	their	PRON
fsr-3433	742	18	spending	spending	NOUN
fsr-3433	742	19	and	and	CCONJ
fsr-3433	742	20	savings	saving	NOUN
fsr-3433	742	21	,	,	PUNCT
fsr-3433	742	22	it	it	PRON
fsr-3433	742	23	would	would	AUX
fsr-3433	742	24	decrease	decrease	VERB
fsr-3433	742	25	their	their	PRON
fsr-3433	742	26	likelihood	likelihood	NOUN
fsr-3433	742	27	of	of	ADP
fsr-3433	742	28	having	have	VERB
fsr-3433	742	29	credit	credit	NOUN
fsr-3433	742	30	card	card	NOUN
fsr-3433	742	31	debt	debt	NOUN
fsr-3433	742	32	by	by	ADP
fsr-3433	742	33	5.8	5.8	NUM
fsr-3433	742	34	%	%	NOUN
fsr-3433	742	35	,	,	PUNCT
fsr-3433	742	36	which	which	PRON
fsr-3433	742	37	is	be	AUX
fsr-3433	742	38	1.2	1.2	NUM
fsr-3433	742	39	percentage	percentage	NOUN
fsr-3433	742	40	points	point	NOUN
fsr-3433	742	41	lower	low	ADJ
fsr-3433	742	42	than	than	ADP
fsr-3433	742	43	the	the	DET
fsr-3433	742	44	one	one	NUM
fsr-3433	742	45	in	in	ADP
fsr-3433	742	46	table	table	NOUN
fsr-3433	742	47	6	6	NUM
fsr-3433	742	48	.	.	PUNCT
fsr-3433	743	1	however	however	ADV
fsr-3433	743	2	,	,	PUNCT
fsr-3433	743	3	the	the	DET
fsr-3433	743	4	relative	relative	ADJ
fsr-3433	743	5	strength	strength	NOUN
fsr-3433	743	6	of	of	ADP
fsr-3433	743	7	the	the	DET
fsr-3433	743	8	attitude	attitude	NOUN
fsr-3433	743	9	towards	towards	ADP
fsr-3433	743	10	balancing	balance	VERB
fsr-3433	743	11	spending	spending	NOUN
fsr-3433	743	12	and	and	CCONJ
fsr-3433	743	13	savings	saving	NOUN
fsr-3433	743	14	variable	variable	NOUN
fsr-3433	743	15	is	be	AUX
fsr-3433	743	16	still	still	ADV
fsr-3433	743	17	higher	high	ADJ
fsr-3433	743	18	than	than	ADP
fsr-3433	743	19	the	the	DET
fsr-3433	743	20	other	other	ADJ
fsr-3433	743	21	main	main	ADJ
fsr-3433	743	22	variables	variable	NOUN
fsr-3433	743	23	of	of	ADP
fsr-3433	743	24	interest	interest	NOUN
fsr-3433	743	25	in	in	ADP
fsr-3433	743	26	both	both	CCONJ
fsr-3433	743	27	the	the	DET
fsr-3433	743	28	models	model	NOUN
fsr-3433	743	29	of	of	ADP
fsr-3433	743	30	table	table	NOUN
fsr-3433	743	31	7	7	NUM
fsr-3433	743	32	.	.	PUNCT
fsr-3433	744	1	among	among	ADP
fsr-3433	744	2	the	the	DET
fsr-3433	744	3	demographic	demographic	ADJ
fsr-3433	744	4	factors	factor	NOUN
fsr-3433	744	5	,	,	PUNCT
fsr-3433	744	6	those	those	PRON
fsr-3433	744	7	who	who	PRON
fsr-3433	744	8	are	be	AUX
fsr-3433	744	9	married	married	ADJ
fsr-3433	744	10	and	and	CCONJ
fsr-3433	744	11	earned	earn	VERB
fsr-3433	744	12	minimum	minimum	ADJ
fsr-3433	744	13	bachelor	bachelor	NOUN
fsr-3433	744	14	degree	degree	NOUN
fsr-3433	744	15	are	be	AUX
fsr-3433	744	16	less	less	ADV
fsr-3433	744	17	likely	likely	ADJ
fsr-3433	744	18	to	to	PART
fsr-3433	744	19	have	have	VERB
fsr-3433	744	20	debt	debt	NOUN
fsr-3433	744	21	,	,	PUNCT
fsr-3433	744	22	while	while	SCONJ
fsr-3433	744	23	the	the	DET
fsr-3433	744	24	results	result	NOUN
fsr-3433	744	25	for	for	ADP
fsr-3433	744	26	gender	gender	NOUN
fsr-3433	744	27	,	,	PUNCT
fsr-3433	744	28	employment	employment	NOUN
fsr-3433	744	29	status	status	NOUN
fsr-3433	744	30	,	,	PUNCT
fsr-3433	744	31	and	and	CCONJ
fsr-3433	744	32	income	income	NOUN
fsr-3433	744	33	variables	variable	NOUN
fsr-3433	744	34	are	be	AUX
fsr-3433	744	35	mostly	mostly	ADV
fsr-3433	744	36	insignificant	insignificant	ADJ
fsr-3433	744	37	across	across	ADP
fsr-3433	744	38	the	the	DET
fsr-3433	744	39	models	model	NOUN
fsr-3433	744	40	.	.	PUNCT
fsr-3433	745	1	the	the	DET
fsr-3433	745	2	results	result	NOUN
fsr-3433	745	3	for	for	ADP
fsr-3433	745	4	the	the	DET
fsr-3433	745	5	interaction	interaction	NOUN
fsr-3433	745	6	term	term	NOUN
fsr-3433	745	7	of	of	ADP
fsr-3433	745	8	age	age	NOUN
fsr-3433	745	9	and	and	CCONJ
fsr-3433	745	10	income	income	NOUN
fsr-3433	745	11	are	be	AUX
fsr-3433	745	12	not	not	PART
fsr-3433	745	13	statistically	statistically	ADV
fsr-3433	745	14	significant	significant	ADJ
fsr-3433	745	15	across	across	ADP
fsr-3433	745	16	all	all	DET
fsr-3433	745	17	models	model	NOUN
fsr-3433	745	18	.	.	PUNCT
fsr-3433	746	1	furthermore	furthermore	ADV
fsr-3433	746	2	,	,	PUNCT
fsr-3433	746	3	age	age	NOUN
fsr-3433	746	4	is	be	AUX
fsr-3433	746	5	positively	positively	ADV
fsr-3433	746	6	associated	associate	VERB
fsr-3433	746	7	with	with	ADP
fsr-3433	746	8	problematic	problematic	ADJ
fsr-3433	746	9	debt	debt	NOUN
fsr-3433	746	10	-	-	PUNCT
fsr-3433	746	11	taking	taking	NOUN
fsr-3433	746	12	.	.	PUNCT
fsr-3433	747	1	however	however	ADV
fsr-3433	747	2	,	,	PUNCT
fsr-3433	747	3	the	the	DET
fsr-3433	747	4	quadratic	quadratic	ADJ
fsr-3433	747	5	relationship	relationship	NOUN
fsr-3433	747	6	for	for	ADP
fsr-3433	747	7	age	age	NOUN
fsr-3433	747	8	in	in	ADP
fsr-3433	747	9	relation	relation	NOUN
fsr-3433	747	10	to	to	ADP
fsr-3433	747	11	credit	credit	NOUN
fsr-3433	747	12	card	card	NOUN
fsr-3433	747	13	debt	debt	NOUN
fsr-3433	747	14	-	-	PUNCT
fsr-3433	747	15	taking	take	VERB
fsr-3433	747	16	behavior	behavior	NOUN
fsr-3433	747	17	is	be	AUX
fsr-3433	747	18	negative	negative	ADJ
fsr-3433	747	19	.	.	PUNCT
fsr-3433	748	1	according	accord	VERB
fsr-3433	748	2	to	to	ADP
fsr-3433	748	3	grable	grable	ADJ
fsr-3433	748	4	,	,	PUNCT
fsr-3433	748	5	lyons	lyon	NOUN
fsr-3433	748	6	,	,	PUNCT
fsr-3433	748	7	and	and	CCONJ
fsr-3433	748	8	heo	heo	PROPN
fsr-3433	748	9	(	(	PUNCT
fsr-3433	748	10	2019	2019	NUM
fsr-3433	748	11	)	)	PUNCT
fsr-3433	748	12	,	,	PUNCT
fsr-3433	748	13	this	this	DET
fsr-3433	748	14	statistical	statistical	ADJ
fsr-3433	748	15	position	position	NOUN
fsr-3433	748	16	of	of	ADP
fsr-3433	748	17	age	age	NOUN
fsr-3433	748	18	and	and	CCONJ
fsr-3433	748	19	age	age	NOUN
fsr-3433	748	20	-	-	PUNCT
fsr-3433	748	21	squared	square	VERB
fsr-3433	748	22	variables	variable	NOUN
fsr-3433	748	23	suggests	suggest	VERB
fsr-3433	748	24	an	an	DET
fsr-3433	748	25	inverted	inverted	ADJ
fsr-3433	748	26	u	u	NOUN
fsr-3433	748	27	-	-	ADJ
fsr-3433	748	28	shaped	shape	VERB
fsr-3433	748	29	downward	downward	ADJ
fsr-3433	748	30	relationship	relationship	NOUN
fsr-3433	748	31	with	with	ADP
fsr-3433	748	32	the	the	DET
fsr-3433	748	33	credit	credit	NOUN
fsr-3433	748	34	card	card	NOUN
fsr-3433	748	35	debt	debt	NOUN
fsr-3433	748	36	-	-	PUNCT
fsr-3433	748	37	taking	take	VERB
fsr-3433	748	38	behavior	behavior	NOUN
fsr-3433	748	39	supporting	support	VERB
fsr-3433	748	40	the	the	DET
fsr-3433	748	41	descriptive	descriptive	ADJ
fsr-3433	748	42	statistics	statistic	NOUN
fsr-3433	748	43	shown	show	VERB
fsr-3433	748	44	in	in	ADP
fsr-3433	748	45	fig	fig	NOUN
fsr-3433	748	46	.	.	PUNCT
fsr-3433	749	1	7	7	NUM
fsr-3433	749	2	of	of	ADP
fsr-3433	749	3	this	this	DET
fsr-3433	749	4	article	article	NOUN
fsr-3433	749	5	.	.	PUNCT
fsr-3433	750	1	in	in	ADP
fsr-3433	750	2	the	the	DET
fsr-3433	750	3	case	case	NOUN
fsr-3433	750	4	of	of	ADP
fsr-3433	750	5	binary	binary	PROPN
fsr-3433	750	6	logistic	logistic	ADJ
fsr-3433	750	7	regression	regression	NOUN
fsr-3433	750	8	,	,	PUNCT
fsr-3433	750	9	adjusted	adjusted	ADJ
fsr-3433	750	10	r2	r2	NOUN
fsr-3433	750	11	is	be	AUX
fsr-3433	750	12	replaced	replace	VERB
fsr-3433	750	13	by	by	ADP
fsr-3433	750	14	pseudo	pseudo	NOUN
fsr-3433	750	15	r2	r2	NOUN
fsr-3433	750	16	,	,	PUNCT
fsr-3433	750	17	which	which	PRON
fsr-3433	750	18	is	be	AUX
fsr-3433	750	19	not	not	PART
fsr-3433	750	20	as	as	ADV
fsr-3433	750	21	same	same	ADJ
fsr-3433	750	22	as	as	ADP
fsr-3433	750	23	the	the	DET
fsr-3433	750	24	former	former	ADJ
fsr-3433	750	25	(	(	PUNCT
fsr-3433	750	26	long	long	PROPN
fsr-3433	750	27	&	&	CCONJ
fsr-3433	750	28	freese	freese	PROPN
fsr-3433	750	29	,	,	PUNCT
fsr-3433	750	30	2006	2006	NUM
fsr-3433	750	31	)	)	PUNCT
fsr-3433	750	32	.	.	PUNCT
fsr-3433	751	1	nonetheless	nonetheless	ADV
fsr-3433	751	2	,	,	PUNCT
fsr-3433	751	3	a	a	DET
fsr-3433	751	4	comparison	comparison	NOUN
fsr-3433	751	5	of	of	ADP
fsr-3433	751	6	pseudo	pseudo	NOUN
fsr-3433	751	7	r2	r2	NOUN
fsr-3433	751	8	across	across	ADP
fsr-3433	751	9	the	the	DET
fsr-3433	751	10	models	model	NOUN
fsr-3433	751	11	can	can	AUX
fsr-3433	751	12	indicate	indicate	VERB
fsr-3433	751	13	the	the	DET
fsr-3433	751	14	explanatory	explanatory	ADJ
fsr-3433	751	15	value	value	NOUN
fsr-3433	751	16	of	of	ADP
fsr-3433	751	17	each	each	DET
fsr-3433	751	18	model	model	NOUN
fsr-3433	751	19	relative	relative	ADJ
fsr-3433	751	20	to	to	ADP
fsr-3433	751	21	another	another	PRON
fsr-3433	751	22	.	.	PUNCT
fsr-3433	752	1	the	the	DET
fsr-3433	752	2	second	second	ADJ
fsr-3433	752	3	model	model	NOUN
fsr-3433	752	4	of	of	ADP
fsr-3433	752	5	table	table	NOUN
fsr-3433	752	6	7	7	NUM
fsr-3433	752	7	,	,	PUNCT
fsr-3433	752	8	where	where	SCONJ
fsr-3433	752	9	all	all	DET
fsr-3433	752	10	the	the	DET
fsr-3433	752	11	variables	variable	NOUN
fsr-3433	752	12	are	be	AUX
fsr-3433	752	13	included	include	VERB
fsr-3433	752	14	in	in	ADP
fsr-3433	752	15	the	the	DET
fsr-3433	752	16	model	model	NOUN
fsr-3433	752	17	,	,	PUNCT
fsr-3433	752	18	has	have	VERB
fsr-3433	752	19	the	the	DET
fsr-3433	752	20	highest	high	ADJ
fsr-3433	752	21	pseudo	pseudo	NOUN
fsr-3433	752	22	r2	r2	NOUN
fsr-3433	752	23	value	value	NOUN
fsr-3433	752	24	of	of	ADP
fsr-3433	752	25	0.165	0.165	NUM
fsr-3433	752	26	among	among	ADP
fsr-3433	752	27	the	the	DET
fsr-3433	752	28	six	six	NUM
fsr-3433	752	29	models	model	NOUN
fsr-3433	752	30	presented	present	VERB
fsr-3433	752	31	in	in	ADP
fsr-3433	752	32	table	table	NOUN
fsr-3433	752	33	5	5	NUM
fsr-3433	752	34	,	,	PUNCT
fsr-3433	752	35	292	292	NUM
fsr-3433	752	36	m.	m.	NOUN
fsr-3433	752	37	s.	s.	PROPN
fsr-3433	752	38	tahir	tahir	PROPN
fsr-3433	752	39	et	et	PROPN
fsr-3433	752	40	al	al	PROPN
fsr-3433	752	41	.	.	PUNCT
fsr-3433	752	42	/	/	SYM
fsr-3433	752	43	financial	financial	ADJ
fsr-3433	752	44	services	service	NOUN
fsr-3433	752	45	review	review	VERB
fsr-3433	752	46	28	28	NUM
fsr-3433	752	47	(	(	PUNCT
fsr-3433	752	48	2020	2020	NUM
fsr-3433	752	49	)	)	PUNCT
fsr-3433	753	1	273–301	273–301	NUM
fsr-3433	753	2	table	table	NOUN
fsr-3433	753	3	6	6	NUM
fsr-3433	753	4	,	,	PUNCT
fsr-3433	753	5	and	and	CCONJ
fsr-3433	753	6	table	table	NOUN
fsr-3433	753	7	7	7	NUM
fsr-3433	753	8	.	.	PUNCT
fsr-3433	753	9	the	the	DET
fsr-3433	753	10	least	least	ADJ
fsr-3433	753	11	pseudo	pseudo	NOUN
fsr-3433	753	12	r2	r2	NOUN
fsr-3433	753	13	value	value	NOUN
fsr-3433	753	14	of	of	ADP
fsr-3433	753	15	0.047	0.047	NUM
fsr-3433	753	16	is	be	AUX
fsr-3433	753	17	noted	note	VERB
fsr-3433	753	18	in	in	ADP
fsr-3433	753	19	the	the	DET
fsr-3433	753	20	first	first	ADJ
fsr-3433	753	21	model	model	NOUN
fsr-3433	753	22	of	of	ADP
fsr-3433	753	23	table	table	NOUN
fsr-3433	753	24	5	5	NUM
fsr-3433	753	25	where	where	SCONJ
fsr-3433	753	26	only	only	ADJ
fsr-3433	753	27	financial	financial	ADJ
fsr-3433	753	28	literacy	literacy	NOUN
fsr-3433	753	29	is	be	AUX
fsr-3433	753	30	included	include	VERB
fsr-3433	753	31	in	in	ADP
fsr-3433	753	32	the	the	DET
fsr-3433	753	33	model	model	NOUN
fsr-3433	753	34	.	.	PUNCT
fsr-3433	754	1	furthermore	furthermore	ADV
fsr-3433	754	2	,	,	PUNCT
fsr-3433	754	3	the	the	DET
fsr-3433	754	4	x2	x2	PROPN
fsr-3433	754	5	value	value	NOUN
fsr-3433	754	6	is	be	AUX
fsr-3433	754	7	highly	highly	ADV
fsr-3433	754	8	significant	significant	ADJ
fsr-3433	754	9	across	across	ADP
fsr-3433	754	10	the	the	DET
fsr-3433	754	11	models	model	NOUN
fsr-3433	754	12	of	of	ADP
fsr-3433	754	13	all	all	DET
fsr-3433	754	14	the	the	DET
fsr-3433	754	15	tables	table	NOUN
fsr-3433	754	16	implying	imply	VERB
fsr-3433	754	17	that	that	SCONJ
fsr-3433	754	18	the	the	DET
fsr-3433	754	19	regression	regression	NOUN
fsr-3433	754	20	models	model	NOUN
fsr-3433	754	21	are	be	AUX
fsr-3433	754	22	significant	significant	ADJ
fsr-3433	754	23	as	as	ADP
fsr-3433	754	24	a	a	DET
fsr-3433	754	25	whole	whole	NOUN
fsr-3433	754	26	.	.	PUNCT
fsr-3433	755	1	in	in	ADP
fsr-3433	755	2	addition	addition	NOUN
fsr-3433	755	3	,	,	PUNCT
fsr-3433	755	4	we	we	PRON
fsr-3433	755	5	test	test	VERB
fsr-3433	755	6	for	for	ADP
fsr-3433	755	7	the	the	DET
fsr-3433	755	8	issue	issue	NOUN
fsr-3433	755	9	of	of	ADP
fsr-3433	755	10	multicollinearity	multicollinearity	NOUN
fsr-3433	755	11	using	use	VERB
fsr-3433	755	12	the	the	DET
fsr-3433	755	13	variance	variance	NOUN
fsr-3433	755	14	inflation	inflation	NOUN
fsr-3433	755	15	factor	factor	NOUN
fsr-3433	755	16	(	(	PUNCT
fsr-3433	755	17	vif	vif	NOUN
fsr-3433	755	18	)	)	PUNCT
fsr-3433	755	19	and	and	CCONJ
fsr-3433	755	20	find	find	VERB
fsr-3433	755	21	that	that	SCONJ
fsr-3433	755	22	all	all	DET
fsr-3433	755	23	vifs	vif	NOUN
fsr-3433	755	24	are	be	AUX
fsr-3433	755	25	below	below	ADP
fsr-3433	755	26	the	the	DET
fsr-3433	755	27	threshold	threshold	NOUN
fsr-3433	755	28	of	of	ADP
fsr-3433	755	29	10	10	NUM
fsr-3433	755	30	that	that	PRON
fsr-3433	755	31	guarantees	guarantee	VERB
fsr-3433	755	32	no	no	DET
fsr-3433	755	33	multicollinearity	multicollinearity	NOUN
fsr-3433	755	34	issue	issue	NOUN
fsr-3433	755	35	(	(	PUNCT
fsr-3433	755	36	kennedy	kennedy	PROPN
fsr-3433	755	37	,	,	PUNCT
fsr-3433	755	38	2003	2003	NUM
fsr-3433	755	39	)	)	PUNCT
fsr-3433	755	40	.	.	PUNCT
fsr-3433	756	1	we	we	PRON
fsr-3433	756	2	append	append	VERB
fsr-3433	756	3	the	the	DET
fsr-3433	756	4	vif	vif	NOUN
fsr-3433	756	5	results	result	NOUN
fsr-3433	756	6	in	in	ADP
fsr-3433	756	7	appendix	appendix	NOUN
fsr-3433	756	8	2	2	NUM
fsr-3433	756	9	below	below	ADV
fsr-3433	756	10	.	.	PUNCT
fsr-3433	757	1	across	across	ADP
fsr-3433	757	2	the	the	DET
fsr-3433	757	3	analyses	analysis	NOUN
fsr-3433	757	4	presented	present	VERB
fsr-3433	757	5	above	above	ADV
fsr-3433	757	6	,	,	PUNCT
fsr-3433	757	7	we	we	PRON
fsr-3433	757	8	had	have	VERB
fsr-3433	757	9	a	a	DET
fsr-3433	757	10	sample	sample	NOUN
fsr-3433	757	11	size	size	NOUN
fsr-3433	757	12	of	of	ADP
fsr-3433	757	13	6,661	6,661	NUM
fsr-3433	757	14	individuals	individual	NOUN
fsr-3433	757	15	that	that	PRON
fsr-3433	757	16	is	be	AUX
fsr-3433	757	17	about	about	ADV
fsr-3433	757	18	one	one	NUM
fsr-3433	757	19	-	-	PUNCT
fsr-3433	757	20	third	third	NOUN
fsr-3433	757	21	of	of	ADP
fsr-3433	757	22	the	the	DET
fsr-3433	757	23	original	original	ADJ
fsr-3433	757	24	sample	sample	NOUN
fsr-3433	757	25	of	of	ADP
fsr-3433	757	26	17,694	17,694	NUM
fsr-3433	757	27	individuals	individual	NOUN
fsr-3433	757	28	surveyed	survey	VERB
fsr-3433	757	29	in	in	ADP
fsr-3433	757	30	the	the	DET
fsr-3433	757	31	2016	2016	NUM
fsr-3433	757	32	wave	wave	NOUN
fsr-3433	757	33	of	of	ADP
fsr-3433	757	34	the	the	DET
fsr-3433	757	35	hilda	hilda	PROPN
fsr-3433	757	36	survey	survey	NOUN
fsr-3433	757	37	.	.	PUNCT
fsr-3433	758	1	this	this	DET
fsr-3433	758	2	reduction	reduction	NOUN
fsr-3433	758	3	in	in	ADP
fsr-3433	758	4	the	the	DET
fsr-3433	758	5	sample	sample	NOUN
fsr-3433	758	6	size	size	NOUN
fsr-3433	758	7	was	be	AUX
fsr-3433	758	8	the	the	DET
fsr-3433	758	9	result	result	NOUN
fsr-3433	758	10	of	of	ADP
fsr-3433	758	11	filtering	filter	VERB
fsr-3433	758	12	the	the	DET
fsr-3433	758	13	dataset	dataset	NOUN
fsr-3433	758	14	and	and	CCONJ
fsr-3433	758	15	omitting	omit	VERB
fsr-3433	758	16	the	the	DET
fsr-3433	758	17	retired	retired	ADJ
fsr-3433	758	18	respondents	respondent	NOUN
fsr-3433	758	19	from	from	ADP
fsr-3433	758	20	the	the	DET
fsr-3433	758	21	analyses	analysis	NOUN
fsr-3433	758	22	.	.	PUNCT
fsr-3433	759	1	however	however	ADV
fsr-3433	759	2	,	,	PUNCT
fsr-3433	759	3	we	we	PRON
fsr-3433	759	4	run	run	VERB
fsr-3433	759	5	additional	additional	ADJ
fsr-3433	759	6	two	two	NUM
fsr-3433	759	7	models	model	NOUN
fsr-3433	759	8	(	(	PUNCT
fsr-3433	759	9	as	as	ADP
fsr-3433	759	10	similar	similar	ADJ
fsr-3433	759	11	to	to	ADP
fsr-3433	759	12	those	those	PRON
fsr-3433	759	13	presented	present	VERB
fsr-3433	759	14	in	in	ADP
fsr-3433	759	15	table	table	NOUN
fsr-3433	759	16	7	7	NUM
fsr-3433	759	17	)	)	PUNCT
fsr-3433	759	18	without	without	ADP
fsr-3433	759	19	filtering	filter	VERB
fsr-3433	759	20	the	the	DET
fsr-3433	759	21	dataset	dataset	NOUN
fsr-3433	759	22	for	for	ADP
fsr-3433	759	23	a	a	DET
fsr-3433	759	24	purpose	purpose	NOUN
fsr-3433	759	25	to	to	PART
fsr-3433	759	26	check	check	VERB
fsr-3433	759	27	the	the	DET
fsr-3433	759	28	robustness	robustness	NOUN
fsr-3433	759	29	of	of	ADP
fsr-3433	759	30	the	the	DET
fsr-3433	759	31	existing	exist	VERB
fsr-3433	759	32	results	result	NOUN
fsr-3433	759	33	.	.	PUNCT
fsr-3433	760	1	this	this	DET
fsr-3433	760	2	analysis	analysis	NOUN
fsr-3433	760	3	incorporates	incorporate	VERB
fsr-3433	760	4	8,542	8,542	NUM
fsr-3433	760	5	individuals	individual	NOUN
fsr-3433	760	6	.	.	PUNCT
fsr-3433	761	1	the	the	DET
fsr-3433	761	2	sample	sample	NOUN
fsr-3433	761	3	consists	consist	VERB
fsr-3433	761	4	of	of	ADP
fsr-3433	761	5	52	52	NUM
fsr-3433	761	6	%	%	NOUN
fsr-3433	761	7	females	female	NOUN
fsr-3433	761	8	,	,	PUNCT
fsr-3433	761	9	62	62	NUM
fsr-3433	761	10	%	%	NOUN
fsr-3433	761	11	married	married	ADJ
fsr-3433	761	12	,	,	PUNCT
fsr-3433	761	13	and	and	CCONJ
fsr-3433	761	14	70	70	NUM
fsr-3433	761	15	%	%	NOUN
fsr-3433	761	16	are	be	AUX
fsr-3433	761	17	employed	employ	VERB
fsr-3433	761	18	full	full	ADJ
fsr-3433	761	19	time	time	NOUN
fsr-3433	761	20	or	or	CCONJ
fsr-3433	761	21	part	part	NOUN
fsr-3433	761	22	time	time	NOUN
fsr-3433	761	23	.	.	PUNCT
fsr-3433	762	1	moreover	moreover	ADV
fsr-3433	762	2	,	,	PUNCT
fsr-3433	762	3	36	36	NUM
fsr-3433	762	4	%	%	NOUN
fsr-3433	762	5	are	be	AUX
fsr-3433	762	6	identified	identify	VERB
fsr-3433	762	7	as	as	ADP
fsr-3433	762	8	having	having	AUX
fsr-3433	762	9	earned	earn	VERB
fsr-3433	762	10	bachelor/	bachelor/	NUM
fsr-3433	762	11	graduate	graduate	NOUN
fsr-3433	762	12	diploma	diploma	NOUN
fsr-3433	762	13	/	/	SYM
fsr-3433	762	14	postgraduate	postgraduate	NOUN
fsr-3433	762	15	degree	degree	NOUN
fsr-3433	762	16	,	,	PUNCT
fsr-3433	762	17	while	while	SCONJ
fsr-3433	762	18	64	64	NUM
fsr-3433	762	19	%	%	NOUN
fsr-3433	762	20	as	as	ADP
fsr-3433	762	21	having	having	AUX
fsr-3433	762	22	earned	earn	VERB
fsr-3433	762	23	year	year	NOUN
fsr-3433	762	24	11	11	NUM
fsr-3433	762	25	or	or	CCONJ
fsr-3433	762	26	below/	below/	NUM
fsr-3433	762	27	year	year	NOUN
fsr-3433	762	28	12	12	NUM
fsr-3433	762	29	/	/	SYM
fsr-3433	762	30	certificate	certificate	NOUN
fsr-3433	762	31	iii	iii	NUM
fsr-3433	762	32	or	or	CCONJ
fsr-3433	762	33	iv	iv	ADP
fsr-3433	762	34	/	/	SYM
fsr-3433	762	35	advanced	advanced	ADJ
fsr-3433	762	36	diploma	diploma	NOUN
fsr-3433	762	37	degree	degree	NOUN
fsr-3433	762	38	.	.	PUNCT
fsr-3433	763	1	furthermore	furthermore	ADV
fsr-3433	763	2	,	,	PUNCT
fsr-3433	763	3	the	the	DET
fsr-3433	763	4	minimum	minimum	ADJ
fsr-3433	763	5	age	age	NOUN
fsr-3433	763	6	of	of	ADP
fsr-3433	763	7	respondents	respondent	NOUN
fsr-3433	763	8	is	be	AUX
fsr-3433	763	9	15	15	NUM
fsr-3433	763	10	and	and	CCONJ
fsr-3433	763	11	the	the	DET
fsr-3433	763	12	maximum	maximum	ADJ
fsr-3433	763	13	age	age	NOUN
fsr-3433	763	14	is	be	AUX
fsr-3433	763	15	98	98	NUM
fsr-3433	763	16	.	.	PUNCT
fsr-3433	764	1	the	the	DET
fsr-3433	764	2	average	average	ADJ
fsr-3433	764	3	income	income	NOUN
fsr-3433	764	4	is	be	AUX
fsr-3433	764	5	$	$	SYM
fsr-3433	764	6	60,150	60,150	NUM
fsr-3433	764	7	.	.	PUNCT
fsr-3433	765	1	overall	overall	ADV
fsr-3433	765	2	,	,	PUNCT
fsr-3433	765	3	the	the	DET
fsr-3433	765	4	age	age	NOUN
fsr-3433	765	5	and	and	CCONJ
fsr-3433	765	6	income	income	NOUN
fsr-3433	765	7	average	average	NOUN
fsr-3433	765	8	of	of	ADP
fsr-3433	765	9	this	this	DET
fsr-3433	765	10	sample	sample	NOUN
fsr-3433	765	11	is	be	AUX
fsr-3433	765	12	different	different	ADJ
fsr-3433	765	13	from	from	ADP
fsr-3433	765	14	the	the	DET
fsr-3433	765	15	sample	sample	NOUN
fsr-3433	765	16	included	include	VERB
fsr-3433	765	17	in	in	ADP
fsr-3433	765	18	the	the	DET
fsr-3433	765	19	main	main	ADJ
fsr-3433	765	20	results	result	NOUN
fsr-3433	765	21	because	because	SCONJ
fsr-3433	765	22	we	we	PRON
fsr-3433	765	23	include	include	VERB
fsr-3433	765	24	retired	retired	ADJ
fsr-3433	765	25	respondents	respondent	NOUN
fsr-3433	765	26	in	in	ADP
fsr-3433	765	27	this	this	DET
fsr-3433	765	28	robustness	robustness	NOUN
fsr-3433	765	29	check	check	NOUN
fsr-3433	765	30	.	.	PUNCT
fsr-3433	766	1	we	we	PRON
fsr-3433	766	2	append	append	VERB
fsr-3433	766	3	the	the	DET
fsr-3433	766	4	results	result	NOUN
fsr-3433	766	5	in	in	ADP
fsr-3433	766	6	appendix	appendix	NOUN
fsr-3433	766	7	3	3	NUM
fsr-3433	766	8	below	below	ADV
fsr-3433	766	9	.	.	PUNCT
fsr-3433	767	1	the	the	DET
fsr-3433	767	2	statistical	statistical	ADJ
fsr-3433	767	3	significance	significance	NOUN
fsr-3433	767	4	of	of	ADP
fsr-3433	767	5	the	the	DET
fsr-3433	767	6	variables	variable	NOUN
fsr-3433	767	7	in	in	ADP
fsr-3433	767	8	appendix	appendix	NOUN
fsr-3433	767	9	3	3	NUM
fsr-3433	767	10	is	be	AUX
fsr-3433	767	11	similar	similar	ADJ
fsr-3433	767	12	to	to	ADP
fsr-3433	767	13	those	those	PRON
fsr-3433	767	14	in	in	ADP
fsr-3433	767	15	table	table	NOUN
fsr-3433	767	16	7	7	NUM
fsr-3433	767	17	.	.	PUNCT
fsr-3433	768	1	it	it	PRON
fsr-3433	768	2	implies	imply	VERB
fsr-3433	768	3	that	that	SCONJ
fsr-3433	768	4	the	the	DET
fsr-3433	768	5	main	main	ADJ
fsr-3433	768	6	results	result	NOUN
fsr-3433	768	7	of	of	ADP
fsr-3433	768	8	this	this	DET
fsr-3433	768	9	article	article	NOUN
fsr-3433	768	10	are	be	AUX
fsr-3433	768	11	robust	robust	ADJ
fsr-3433	768	12	implying	implying	ADJ
fsr-3433	768	13	that	that	SCONJ
fsr-3433	768	14	the	the	DET
fsr-3433	768	15	filtering	filtering	NOUN
fsr-3433	768	16	of	of	ADP
fsr-3433	768	17	the	the	DET
fsr-3433	768	18	dataset	dataset	NOUN
fsr-3433	768	19	and	and	CCONJ
fsr-3433	768	20	omitting	omit	VERB
fsr-3433	768	21	the	the	DET
fsr-3433	768	22	retired	retired	ADJ
fsr-3433	768	23	respondents	respondent	NOUN
fsr-3433	768	24	in	in	ADP
fsr-3433	768	25	the	the	DET
fsr-3433	768	26	main	main	ADJ
fsr-3433	768	27	results	result	NOUN
fsr-3433	768	28	do	do	AUX
fsr-3433	768	29	not	not	PART
fsr-3433	768	30	influence	influence	VERB
fsr-3433	768	31	our	our	PRON
fsr-3433	768	32	conclusion	conclusion	NOUN
fsr-3433	768	33	.	.	PUNCT
fsr-3433	769	1	in	in	ADP
fsr-3433	769	2	addition	addition	NOUN
fsr-3433	769	3	to	to	ADP
fsr-3433	769	4	these	these	DET
fsr-3433	769	5	analyses	analysis	NOUN
fsr-3433	769	6	,	,	PUNCT
fsr-3433	769	7	we	we	PRON
fsr-3433	769	8	analyze	analyze	VERB
fsr-3433	769	9	if	if	SCONJ
fsr-3433	769	10	financial	financial	ADJ
fsr-3433	769	11	literacy	literacy	NOUN
fsr-3433	769	12	is	be	AUX
fsr-3433	769	13	associated	associate	VERB
fsr-3433	769	14	with	with	ADP
fsr-3433	769	15	attitude	attitude	NOUN
fsr-3433	769	16	towards	towards	ADP
fsr-3433	769	17	balancing	balance	VERB
fsr-3433	769	18	spending	spending	NOUN
fsr-3433	769	19	and	and	CCONJ
fsr-3433	769	20	savings	saving	NOUN
fsr-3433	769	21	and	and	CCONJ
fsr-3433	769	22	financial	financial	ADJ
fsr-3433	769	23	satisfaction	satisfaction	NOUN
fsr-3433	769	24	.	.	PUNCT
fsr-3433	770	1	though	though	SCONJ
fsr-3433	770	2	the	the	DET
fsr-3433	770	3	correlation	correlation	NOUN
fsr-3433	770	4	analysis	analysis	NOUN
fsr-3433	770	5	(	(	PUNCT
fsr-3433	770	6	see	see	VERB
fsr-3433	770	7	table	table	NOUN
fsr-3433	770	8	4	4	NUM
fsr-3433	770	9	above	above	ADV
fsr-3433	770	10	)	)	PUNCT
fsr-3433	770	11	shows	show	VERB
fsr-3433	770	12	that	that	SCONJ
fsr-3433	770	13	there	there	PRON
fsr-3433	770	14	is	be	VERB
fsr-3433	770	15	a	a	DET
fsr-3433	770	16	positive	positive	ADJ
fsr-3433	770	17	association	association	NOUN
fsr-3433	770	18	between	between	ADP
fsr-3433	770	19	financial	financial	ADJ
fsr-3433	770	20	literacy	literacy	NOUN
fsr-3433	770	21	,	,	PUNCT
fsr-3433	770	22	attitude	attitude	NOUN
fsr-3433	770	23	towards	towards	ADP
fsr-3433	770	24	balancing	balance	VERB
fsr-3433	770	25	spending	spending	NOUN
fsr-3433	770	26	and	and	CCONJ
fsr-3433	770	27	savings	saving	NOUN
fsr-3433	770	28	,	,	PUNCT
fsr-3433	770	29	and	and	CCONJ
fsr-3433	770	30	financial	financial	ADJ
fsr-3433	770	31	satisfaction	satisfaction	NOUN
fsr-3433	770	32	.	.	PUNCT
fsr-3433	771	1	however	however	ADV
fsr-3433	771	2	,	,	PUNCT
fsr-3433	771	3	we	we	PRON
fsr-3433	771	4	empirically	empirically	ADV
fsr-3433	771	5	analyze	analyze	VERB
fsr-3433	771	6	this	this	DET
fsr-3433	771	7	relationship	relationship	NOUN
fsr-3433	771	8	and	and	CCONJ
fsr-3433	771	9	control	control	NOUN
fsr-3433	771	10	for	for	ADP
fsr-3433	771	11	demographic	demographic	ADJ
fsr-3433	771	12	factors	factor	NOUN
fsr-3433	771	13	.	.	PUNCT
fsr-3433	772	1	our	our	PRON
fsr-3433	772	2	analysis	analysis	NOUN
fsr-3433	772	3	reveals	reveal	VERB
fsr-3433	772	4	that	that	SCONJ
fsr-3433	772	5	financial	financial	ADJ
fsr-3433	772	6	literacy	literacy	NOUN
fsr-3433	772	7	is	be	AUX
fsr-3433	772	8	neither	neither	CCONJ
fsr-3433	772	9	associated	associate	VERB
fsr-3433	772	10	with	with	ADP
fsr-3433	772	11	attitude	attitude	NOUN
fsr-3433	772	12	towards	towards	ADP
fsr-3433	772	13	balancing	balance	VERB
fsr-3433	772	14	spending	spending	NOUN
fsr-3433	772	15	and	and	CCONJ
fsr-3433	772	16	savings	saving	NOUN
fsr-3433	772	17	(	(	PUNCT
fsr-3433	772	18	p	p	X
fsr-3433	772	19	>	>	X
fsr-3433	772	20	.05	.05	NUM
fsr-3433	772	21	)	)	PUNCT
fsr-3433	772	22	nor	nor	CCONJ
fsr-3433	772	23	with	with	ADP
fsr-3433	772	24	financial	financial	ADJ
fsr-3433	772	25	satisfaction	satisfaction	NOUN
fsr-3433	772	26	(	(	PUNCT
fsr-3433	772	27	p	p	X
fsr-3433	772	28	>	>	X
fsr-3433	772	29	.05	.05	NUM
fsr-3433	772	30	)	)	PUNCT
fsr-3433	772	31	when	when	SCONJ
fsr-3433	772	32	we	we	PRON
fsr-3433	772	33	control	control	VERB
fsr-3433	772	34	for	for	ADP
fsr-3433	772	35	demographic	demographic	ADJ
fsr-3433	772	36	factors	factor	NOUN
fsr-3433	772	37	.	.	PUNCT
fsr-3433	773	1	these	these	DET
fsr-3433	773	2	results	result	NOUN
fsr-3433	773	3	indicate	indicate	VERB
fsr-3433	773	4	that	that	SCONJ
fsr-3433	773	5	the	the	DET
fsr-3433	773	6	concept	concept	NOUN
fsr-3433	773	7	of	of	ADP
fsr-3433	773	8	financial	financial	ADJ
fsr-3433	773	9	literacy	literacy	NOUN
fsr-3433	773	10	is	be	AUX
fsr-3433	773	11	independent	independent	ADJ
fsr-3433	773	12	of	of	ADP
fsr-3433	773	13	the	the	DET
fsr-3433	773	14	other	other	ADJ
fsr-3433	773	15	two	two	NUM
fsr-3433	773	16	concepts	concept	NOUN
fsr-3433	773	17	.	.	PUNCT
fsr-3433	774	1	the	the	DET
fsr-3433	774	2	results	result	NOUN
fsr-3433	774	3	are	be	AUX
fsr-3433	774	4	omitted	omit	VERB
fsr-3433	774	5	for	for	ADP
fsr-3433	774	6	brevity	brevity	NOUN
fsr-3433	774	7	.	.	PUNCT
fsr-3433	775	1	6	6	X
fsr-3433	775	2	.	.	X
fsr-3433	775	3	conclusion	conclusion	VERB
fsr-3433	775	4	existing	exist	VERB
fsr-3433	775	5	research	research	NOUN
fsr-3433	775	6	reports	report	VERB
fsr-3433	775	7	a	a	DET
fsr-3433	775	8	low	low	ADJ
fsr-3433	775	9	financial	financial	ADJ
fsr-3433	775	10	literacy	literacy	NOUN
fsr-3433	775	11	level	level	NOUN
fsr-3433	775	12	in	in	ADP
fsr-3433	775	13	australia	australia	PROPN
fsr-3433	775	14	(	(	PUNCT
fsr-3433	775	15	ali	ali	PROPN
fsr-3433	775	16	et	et	PROPN
fsr-3433	775	17	al	al	PROPN
fsr-3433	775	18	.	.	PROPN
fsr-3433	775	19	,	,	PUNCT
fsr-3433	775	20	2014	2014	NUM
fsr-3433	775	21	)	)	PUNCT
fsr-3433	775	22	.	.	PUNCT
fsr-3433	776	1	in	in	ADP
fsr-3433	776	2	response	response	NOUN
fsr-3433	776	3	to	to	ADP
fsr-3433	776	4	the	the	DET
fsr-3433	776	5	financial	financial	ADJ
fsr-3433	776	6	literacy	literacy	NOUN
fsr-3433	776	7	survey	survey	NOUN
fsr-3433	776	8	of	of	ADP
fsr-3433	776	9	bourova	bourova	PROPN
fsr-3433	776	10	,	,	PUNCT
fsr-3433	776	11	anderson	anderson	PROPN
fsr-3433	776	12	,	,	PUNCT
fsr-3433	776	13	ramsay	ramsay	PROPN
fsr-3433	776	14	,	,	PUNCT
fsr-3433	776	15	and	and	CCONJ
fsr-3433	776	16	ali	ali	PROPN
fsr-3433	776	17	(	(	PUNCT
fsr-3433	776	18	2018	2018	NUM
fsr-3433	776	19	)	)	PUNCT
fsr-3433	776	20	,	,	PUNCT
fsr-3433	776	21	only	only	ADV
fsr-3433	776	22	30.9	30.9	NUM
fsr-3433	776	23	%	%	NOUN
fsr-3433	776	24	of	of	ADP
fsr-3433	776	25	respondents	respondent	NOUN
fsr-3433	776	26	could	could	AUX
fsr-3433	776	27	answer	answer	VERB
fsr-3433	776	28	all	all	DET
fsr-3433	776	29	the	the	DET
fsr-3433	776	30	financial	financial	ADJ
fsr-3433	776	31	literacy	literacy	NOUN
fsr-3433	776	32	questions	question	NOUN
fsr-3433	776	33	correctly	correctly	ADV
fsr-3433	776	34	.	.	PUNCT
fsr-3433	777	1	the	the	DET
fsr-3433	777	2	australian	australian	ADJ
fsr-3433	777	3	government	government	NOUN
fsr-3433	777	4	has	have	AUX
fsr-3433	777	5	been	be	AUX
fsr-3433	777	6	making	make	VERB
fsr-3433	777	7	efforts	effort	NOUN
fsr-3433	777	8	to	to	PART
fsr-3433	777	9	equip	equip	VERB
fsr-3433	777	10	australians	australian	NOUN
fsr-3433	777	11	with	with	ADP
fsr-3433	777	12	financial	financial	ADJ
fsr-3433	777	13	literacy	literacy	NOUN
fsr-3433	777	14	skills	skill	NOUN
fsr-3433	777	15	to	to	PART
fsr-3433	777	16	give	give	VERB
fsr-3433	777	17	households	household	NOUN
fsr-3433	777	18	superior	superior	ADJ
fsr-3433	777	19	financial	financial	ADJ
fsr-3433	777	20	knowledge	knowledge	NOUN
fsr-3433	777	21	to	to	PART
fsr-3433	777	22	make	make	VERB
fsr-3433	777	23	better	well	ADJ
fsr-3433	777	24	judgments	judgment	NOUN
fsr-3433	777	25	and	and	CCONJ
fsr-3433	777	26	enable	enable	VERB
fsr-3433	777	27	them	they	PRON
fsr-3433	777	28	to	to	PART
fsr-3433	777	29	make	make	VERB
fsr-3433	777	30	informed	informed	ADJ
fsr-3433	777	31	financial	financial	ADJ
fsr-3433	777	32	decisions	decision	NOUN
fsr-3433	777	33	.	.	PUNCT
fsr-3433	778	1	however	however	ADV
fsr-3433	778	2	,	,	PUNCT
fsr-3433	778	3	the	the	DET
fsr-3433	778	4	financial	financial	ADJ
fsr-3433	778	5	services	service	NOUN
fsr-3433	778	6	regulator	regulator	NOUN
fsr-3433	778	7	in	in	ADP
fsr-3433	778	8	m.	m.	PROPN
fsr-3433	778	9	s.	s.	PROPN
fsr-3433	778	10	tahir	tahir	PROPN
fsr-3433	778	11	et	et	PROPN
fsr-3433	778	12	al	al	PROPN
fsr-3433	778	13	.	.	PUNCT
fsr-3433	778	14	/	/	SYM
fsr-3433	778	15	financial	financial	ADJ
fsr-3433	778	16	services	service	NOUN
fsr-3433	778	17	review	review	VERB
fsr-3433	778	18	28	28	NUM
fsr-3433	778	19	(	(	PUNCT
fsr-3433	778	20	2020	2020	NUM
fsr-3433	778	21	)	)	PUNCT
fsr-3433	779	1	273–301	273–301	NUM
fsr-3433	779	2	293	293	NUM
fsr-3433	779	3	australia	australia	PROPN
fsr-3433	779	4	,	,	PUNCT
fsr-3433	779	5	the	the	DET
fsr-3433	779	6	asic	asic	NOUN
fsr-3433	779	7	(	(	PUNCT
fsr-3433	779	8	2018	2018	NUM
fsr-3433	779	9	)	)	PUNCT
fsr-3433	779	10	,	,	PUNCT
fsr-3433	779	11	states	state	VERB
fsr-3433	779	12	that	that	SCONJ
fsr-3433	779	13	the	the	DET
fsr-3433	779	14	credit	credit	NOUN
fsr-3433	779	15	card	card	NOUN
fsr-3433	779	16	debt	debt	NOUN
fsr-3433	779	17	is	be	AUX
fsr-3433	779	18	still	still	ADV
fsr-3433	779	19	rising	rise	VERB
fsr-3433	779	20	in	in	ADP
fsr-3433	779	21	australia	australia	PROPN
fsr-3433	779	22	and	and	CCONJ
fsr-3433	779	23	it	it	PRON
fsr-3433	779	24	is	be	AUX
fsr-3433	779	25	also	also	ADV
fsr-3433	779	26	the	the	DET
fsr-3433	779	27	most	most	ADV
fsr-3433	779	28	common	common	ADJ
fsr-3433	779	29	type	type	NOUN
fsr-3433	779	30	of	of	ADP
fsr-3433	779	31	household	household	NOUN
fsr-3433	779	32	debt	debt	NOUN
fsr-3433	779	33	in	in	ADP
fsr-3433	779	34	australia	australia	PROPN
fsr-3433	779	35	(	(	PUNCT
fsr-3433	779	36	abs	ab	NOUN
fsr-3433	779	37	,	,	PUNCT
fsr-3433	779	38	2017b	2017b	NUM
fsr-3433	779	39	)	)	PUNCT
fsr-3433	779	40	.	.	PUNCT
fsr-3433	780	1	the	the	DET
fsr-3433	780	2	relevant	relevant	ADJ
fsr-3433	780	3	existing	exist	VERB
fsr-3433	780	4	literature	literature	NOUN
fsr-3433	780	5	revealed	reveal	VERB
fsr-3433	780	6	that	that	SCONJ
fsr-3433	780	7	credit	credit	NOUN
fsr-3433	780	8	card	card	NOUN
fsr-3433	780	9	debt	debt	NOUN
fsr-3433	780	10	is	be	AUX
fsr-3433	780	11	relatively	relatively	ADV
fsr-3433	780	12	,	,	PUNCT
fsr-3433	780	13	as	as	SCONJ
fsr-3433	780	14	compared	compare	VERB
fsr-3433	780	15	with	with	ADP
fsr-3433	780	16	other	other	ADJ
fsr-3433	780	17	non	non	ADJ
fsr-3433	780	18	-	-	ADJ
fsr-3433	780	19	collateralized	collateralized	ADJ
fsr-3433	780	20	types	type	NOUN
fsr-3433	780	21	of	of	ADP
fsr-3433	780	22	debt	debt	NOUN
fsr-3433	780	23	,	,	PUNCT
fsr-3433	780	24	a	a	DET
fsr-3433	780	25	more	more	ADV
fsr-3433	780	26	stressful	stressful	ADJ
fsr-3433	780	27	and	and	CCONJ
fsr-3433	780	28	problematic	problematic	ADJ
fsr-3433	780	29	type	type	NOUN
fsr-3433	780	30	of	of	ADP
fsr-3433	780	31	household	household	NOUN
fsr-3433	780	32	debt	debt	NOUN
fsr-3433	780	33	.	.	PUNCT
fsr-3433	781	1	this	this	DET
fsr-3433	781	2	issue	issue	NOUN
fsr-3433	781	3	motivated	motivate	VERB
fsr-3433	781	4	this	this	DET
fsr-3433	781	5	research	research	NOUN
fsr-3433	781	6	,	,	PUNCT
fsr-3433	781	7	and	and	CCONJ
fsr-3433	781	8	we	we	PRON
fsr-3433	781	9	expected	expect	VERB
fsr-3433	781	10	that	that	SCONJ
fsr-3433	781	11	an	an	DET
fsr-3433	781	12	increase	increase	NOUN
fsr-3433	781	13	in	in	ADP
fsr-3433	781	14	financial	financial	ADJ
fsr-3433	781	15	literacy	literacy	NOUN
fsr-3433	781	16	level	level	NOUN
fsr-3433	781	17	may	may	AUX
fsr-3433	781	18	be	be	AUX
fsr-3433	781	19	relevant	relevant	ADJ
fsr-3433	781	20	to	to	ADP
fsr-3433	781	21	a	a	DET
fsr-3433	781	22	reduced	reduce	VERB
fsr-3433	781	23	credit	credit	NOUN
fsr-3433	781	24	card	card	NOUN
fsr-3433	781	25	debt	debt	NOUN
fsr-3433	781	26	-	-	PUNCT
fsr-3433	781	27	taking	take	VERB
fsr-3433	781	28	behavior	behavior	NOUN
fsr-3433	781	29	in	in	ADP
fsr-3433	781	30	australia	australia	PROPN
fsr-3433	781	31	.	.	PUNCT
fsr-3433	782	1	in	in	ADP
fsr-3433	782	2	addition	addition	NOUN
fsr-3433	782	3	,	,	PUNCT
fsr-3433	782	4	in	in	ADP
fsr-3433	782	5	contrast	contrast	NOUN
fsr-3433	782	6	to	to	ADP
fsr-3433	782	7	the	the	DET
fsr-3433	782	8	literature	literature	NOUN
fsr-3433	782	9	that	that	PRON
fsr-3433	782	10	includes	include	VERB
fsr-3433	782	11	savings	saving	NOUN
fsr-3433	782	12	for	for	ADP
fsr-3433	782	13	emergency	emergency	NOUN
fsr-3433	782	14	needs	need	NOUN
fsr-3433	782	15	as	as	ADP
fsr-3433	782	16	a	a	DET
fsr-3433	782	17	measure	measure	NOUN
fsr-3433	782	18	of	of	ADP
fsr-3433	782	19	savings	saving	NOUN
fsr-3433	782	20	attitude	attitude	NOUN
fsr-3433	782	21	,	,	PUNCT
fsr-3433	782	22	we	we	PRON
fsr-3433	782	23	analyzed	analyze	VERB
fsr-3433	782	24	the	the	DET
fsr-3433	782	25	attitude	attitude	NOUN
fsr-3433	782	26	of	of	ADP
fsr-3433	782	27	individuals	individual	NOUN
fsr-3433	782	28	towards	towards	ADP
fsr-3433	782	29	balancing	balance	VERB
fsr-3433	782	30	spending	spending	NOUN
fsr-3433	782	31	and	and	CCONJ
fsr-3433	782	32	savings	saving	NOUN
fsr-3433	782	33	.	.	PUNCT
fsr-3433	783	1	we	we	PRON
fsr-3433	783	2	hypothesized	hypothesize	VERB
fsr-3433	783	3	that	that	SCONJ
fsr-3433	783	4	those	those	PRON
fsr-3433	783	5	who	who	PRON
fsr-3433	783	6	keep	keep	VERB
fsr-3433	783	7	a	a	DET
fsr-3433	783	8	balance	balance	NOUN
fsr-3433	783	9	between	between	ADP
fsr-3433	783	10	their	their	PRON
fsr-3433	783	11	spending	spending	NOUN
fsr-3433	783	12	and	and	CCONJ
fsr-3433	783	13	savings	saving	NOUN
fsr-3433	783	14	are	be	AUX
fsr-3433	783	15	more	more	ADV
fsr-3433	783	16	likely	likely	ADJ
fsr-3433	783	17	to	to	PART
fsr-3433	783	18	avoid	avoid	VERB
fsr-3433	783	19	credit	credit	NOUN
fsr-3433	783	20	card	card	NOUN
fsr-3433	783	21	debt	debt	NOUN
fsr-3433	783	22	.	.	PUNCT
fsr-3433	784	1	we	we	PRON
fsr-3433	784	2	also	also	ADV
fsr-3433	784	3	expected	expect	VERB
fsr-3433	784	4	a	a	DET
fsr-3433	784	5	relationship	relationship	NOUN
fsr-3433	784	6	between	between	ADP
fsr-3433	784	7	the	the	DET
fsr-3433	784	8	financial	financial	ADJ
fsr-3433	784	9	satisfaction	satisfaction	NOUN
fsr-3433	784	10	level	level	NOUN
fsr-3433	784	11	of	of	ADP
fsr-3433	784	12	a	a	DET
fsr-3433	784	13	person	person	NOUN
fsr-3433	784	14	and	and	CCONJ
fsr-3433	784	15	their	their	PRON
fsr-3433	784	16	credit	credit	NOUN
fsr-3433	784	17	card	card	NOUN
fsr-3433	784	18	debt	debt	NOUN
fsr-3433	784	19	-	-	PUNCT
fsr-3433	784	20	taking	take	VERB
fsr-3433	784	21	behavior	behavior	NOUN
fsr-3433	784	22	.	.	PUNCT
fsr-3433	785	1	our	our	PRON
fsr-3433	785	2	contributions	contribution	NOUN
fsr-3433	785	3	to	to	ADP
fsr-3433	785	4	the	the	DET
fsr-3433	785	5	literature	literature	NOUN
fsr-3433	785	6	are	be	AUX
fsr-3433	785	7	many	many	ADJ
fsr-3433	785	8	fold	fold	ADJ
fsr-3433	785	9	.	.	PUNCT
fsr-3433	786	1	unlike	unlike	ADP
fsr-3433	786	2	prior	prior	ADJ
fsr-3433	786	3	studies	study	NOUN
fsr-3433	786	4	,	,	PUNCT
fsr-3433	786	5	we	we	PRON
fsr-3433	786	6	analyzed	analyze	VERB
fsr-3433	786	7	the	the	DET
fsr-3433	786	8	relative	relative	ADJ
fsr-3433	786	9	weight	weight	NOUN
fsr-3433	786	10	of	of	ADP
fsr-3433	786	11	the	the	DET
fsr-3433	786	12	association	association	NOUN
fsr-3433	786	13	of	of	ADP
fsr-3433	786	14	financial	financial	ADJ
fsr-3433	786	15	literacy	literacy	NOUN
fsr-3433	786	16	,	,	PUNCT
fsr-3433	786	17	attitude	attitude	NOUN
fsr-3433	786	18	towards	towards	ADP
fsr-3433	786	19	balancing	balance	VERB
fsr-3433	786	20	spending	spending	NOUN
fsr-3433	786	21	and	and	CCONJ
fsr-3433	786	22	savings	saving	NOUN
fsr-3433	786	23	,	,	PUNCT
fsr-3433	786	24	and	and	CCONJ
fsr-3433	786	25	financial	financial	ADJ
fsr-3433	786	26	satisfaction	satisfaction	NOUN
fsr-3433	786	27	with	with	ADP
fsr-3433	786	28	credit	credit	NOUN
fsr-3433	786	29	card	card	NOUN
fsr-3433	786	30	debt	debt	NOUN
fsr-3433	786	31	-	-	PUNCT
fsr-3433	786	32	taking	take	VERB
fsr-3433	786	33	behavior	behavior	NOUN
fsr-3433	786	34	.	.	PUNCT
fsr-3433	787	1	we	we	PRON
fsr-3433	787	2	used	use	VERB
fsr-3433	787	3	the	the	DET
fsr-3433	787	4	2016	2016	NUM
fsr-3433	787	5	wave	wave	NOUN
fsr-3433	787	6	of	of	ADP
fsr-3433	787	7	a	a	DET
fsr-3433	787	8	nationally	nationally	ADV
fsr-3433	787	9	representative	representative	ADJ
fsr-3433	787	10	dataset	dataset	NOUN
fsr-3433	787	11	namely	namely	ADV
fsr-3433	787	12	the	the	DET
fsr-3433	787	13	hilda	hilda	PROPN
fsr-3433	787	14	survey	survey	NOUN
fsr-3433	787	15	.	.	PUNCT
fsr-3433	788	1	in	in	ADP
fsr-3433	788	2	our	our	PRON
fsr-3433	788	3	analysis	analysis	NOUN
fsr-3433	788	4	,	,	PUNCT
fsr-3433	788	5	we	we	PRON
fsr-3433	788	6	,	,	PUNCT
fsr-3433	788	7	first	first	ADV
fsr-3433	788	8	,	,	PUNCT
fsr-3433	788	9	included	include	VERB
fsr-3433	788	10	a	a	DET
fsr-3433	788	11	variable	variable	NOUN
fsr-3433	788	12	of	of	ADP
fsr-3433	788	13	accumulated	accumulate	VERB
fsr-3433	788	14	financial	financial	ADJ
fsr-3433	788	15	literacy	literacy	NOUN
fsr-3433	788	16	scores	score	NOUN
fsr-3433	788	17	and	and	CCONJ
fsr-3433	788	18	then	then	ADV
fsr-3433	788	19	five	five	NUM
fsr-3433	788	20	dummy	dummy	ADJ
fsr-3433	788	21	variables	variable	NOUN
fsr-3433	788	22	for	for	ADP
fsr-3433	788	23	each	each	DET
fsr-3433	788	24	financial	financial	ADJ
fsr-3433	788	25	literacy	literacy	NOUN
fsr-3433	788	26	concept	concept	NOUN
fsr-3433	788	27	to	to	PART
fsr-3433	788	28	separately	separately	ADV
fsr-3433	788	29	analyze	analyze	VERB
fsr-3433	788	30	their	their	PRON
fsr-3433	788	31	relationship	relationship	NOUN
fsr-3433	788	32	with	with	ADP
fsr-3433	788	33	the	the	DET
fsr-3433	788	34	credit	credit	NOUN
fsr-3433	788	35	card	card	NOUN
fsr-3433	788	36	debt	debt	NOUN
fsr-3433	788	37	-	-	PUNCT
fsr-3433	788	38	taking	take	VERB
fsr-3433	788	39	behavior	behavior	NOUN
fsr-3433	788	40	.	.	PUNCT
fsr-3433	789	1	we	we	PRON
fsr-3433	789	2	undertook	undertake	VERB
fsr-3433	789	3	analyses	analysis	NOUN
fsr-3433	789	4	in	in	ADP
fsr-3433	789	5	different	different	ADJ
fsr-3433	789	6	phases	phase	NOUN
fsr-3433	789	7	.	.	PUNCT
fsr-3433	790	1	we	we	PRON
fsr-3433	790	2	,	,	PUNCT
fsr-3433	790	3	first	first	ADV
fsr-3433	790	4	,	,	PUNCT
fsr-3433	790	5	included	include	VERB
fsr-3433	790	6	only	only	ADV
fsr-3433	790	7	financial	financial	ADJ
fsr-3433	790	8	literacy	literacy	NOUN
fsr-3433	790	9	variable	variable	NOUN
fsr-3433	790	10	,	,	PUNCT
fsr-3433	790	11	then	then	ADV
fsr-3433	790	12	we	we	PRON
fsr-3433	790	13	added	add	VERB
fsr-3433	790	14	attitude	attitude	NOUN
fsr-3433	790	15	towards	towards	ADP
fsr-3433	790	16	balancing	balance	VERB
fsr-3433	790	17	spending	spending	NOUN
fsr-3433	790	18	and	and	CCONJ
fsr-3433	790	19	savings	saving	NOUN
fsr-3433	790	20	and	and	CCONJ
fsr-3433	790	21	financial	financial	ADJ
fsr-3433	790	22	satisfaction	satisfaction	NOUN
fsr-3433	790	23	,	,	PUNCT
fsr-3433	790	24	respectively	respectively	ADV
fsr-3433	790	25	.	.	PUNCT
fsr-3433	791	1	the	the	DET
fsr-3433	791	2	purpose	purpose	NOUN
fsr-3433	791	3	was	be	AUX
fsr-3433	791	4	to	to	PART
fsr-3433	791	5	analyze	analyze	VERB
fsr-3433	791	6	whether	whether	SCONJ
fsr-3433	791	7	the	the	DET
fsr-3433	791	8	significance	significance	NOUN
fsr-3433	791	9	level	level	NOUN
fsr-3433	791	10	of	of	ADP
fsr-3433	791	11	financial	financial	ADJ
fsr-3433	791	12	literacy	literacy	NOUN
fsr-3433	791	13	and	and	CCONJ
fsr-3433	791	14	the	the	DET
fsr-3433	791	15	magnitude	magnitude	NOUN
fsr-3433	791	16	of	of	ADP
fsr-3433	791	17	its	its	PRON
fsr-3433	791	18	relationship	relationship	NOUN
fsr-3433	791	19	with	with	ADP
fsr-3433	791	20	the	the	DET
fsr-3433	791	21	credit	credit	NOUN
fsr-3433	791	22	card	card	NOUN
fsr-3433	791	23	debt	debt	NOUN
fsr-3433	791	24	-	-	PUNCT
fsr-3433	791	25	taking	take	VERB
fsr-3433	791	26	behavior	behavior	NOUN
fsr-3433	791	27	remains	remain	VERB
fsr-3433	791	28	the	the	DET
fsr-3433	791	29	same	same	ADJ
fsr-3433	791	30	or	or	CCONJ
fsr-3433	791	31	does	do	AUX
fsr-3433	791	32	change	change	VERB
fsr-3433	791	33	.	.	PUNCT
fsr-3433	792	1	this	this	PRON
fsr-3433	792	2	also	also	ADV
fsr-3433	792	3	helped	help	VERB
fsr-3433	792	4	us	we	PRON
fsr-3433	792	5	to	to	PART
fsr-3433	792	6	examine	examine	VERB
fsr-3433	792	7	the	the	DET
fsr-3433	792	8	consistency	consistency	NOUN
fsr-3433	792	9	and	and	CCONJ
fsr-3433	792	10	robustness	robustness	NOUN
fsr-3433	792	11	of	of	ADP
fsr-3433	792	12	the	the	DET
fsr-3433	792	13	relationship	relationship	NOUN
fsr-3433	792	14	among	among	ADP
fsr-3433	792	15	the	the	DET
fsr-3433	792	16	key	key	ADJ
fsr-3433	792	17	variables	variable	NOUN
fsr-3433	792	18	.	.	PUNCT
fsr-3433	793	1	our	our	PRON
fsr-3433	793	2	analyses	analysis	NOUN
fsr-3433	793	3	support	support	VERB
fsr-3433	793	4	all	all	DET
fsr-3433	793	5	hypotheses	hypothesis	NOUN
fsr-3433	793	6	of	of	ADP
fsr-3433	793	7	this	this	DET
fsr-3433	793	8	article	article	NOUN
fsr-3433	793	9	.	.	PUNCT
fsr-3433	794	1	in	in	ADP
fsr-3433	794	2	all	all	DET
fsr-3433	794	3	the	the	DET
fsr-3433	794	4	phases	phase	NOUN
fsr-3433	794	5	of	of	ADP
fsr-3433	794	6	analyses	analysis	NOUN
fsr-3433	794	7	,	,	PUNCT
fsr-3433	794	8	financial	financial	ADJ
fsr-3433	794	9	literacy	literacy	NOUN
fsr-3433	794	10	remained	remain	VERB
fsr-3433	794	11	negatively	negatively	ADV
fsr-3433	794	12	significant	significant	ADJ
fsr-3433	794	13	to	to	PART
fsr-3433	794	14	show	show	VERB
fsr-3433	794	15	a	a	DET
fsr-3433	794	16	relationship	relationship	NOUN
fsr-3433	794	17	with	with	ADP
fsr-3433	794	18	credit	credit	NOUN
fsr-3433	794	19	card	card	NOUN
fsr-3433	794	20	debttaking	debttaking	NOUN
fsr-3433	794	21	behavior	behavior	NOUN
fsr-3433	794	22	.	.	PUNCT
fsr-3433	795	1	however	however	ADV
fsr-3433	795	2	,	,	PUNCT
fsr-3433	795	3	the	the	DET
fsr-3433	795	4	magnitude	magnitude	NOUN
fsr-3433	795	5	of	of	ADP
fsr-3433	795	6	the	the	DET
fsr-3433	795	7	relationship	relationship	NOUN
fsr-3433	795	8	decreased	decrease	VERB
fsr-3433	795	9	when	when	SCONJ
fsr-3433	795	10	other	other	ADJ
fsr-3433	795	11	factors	factor	NOUN
fsr-3433	795	12	were	be	AUX
fsr-3433	795	13	included	include	VERB
fsr-3433	795	14	in	in	ADP
fsr-3433	795	15	the	the	DET
fsr-3433	795	16	model	model	NOUN
fsr-3433	795	17	.	.	PUNCT
fsr-3433	796	1	moreover	moreover	ADV
fsr-3433	796	2	,	,	PUNCT
fsr-3433	796	3	the	the	DET
fsr-3433	796	4	comparison	comparison	NOUN
fsr-3433	796	5	of	of	ADP
fsr-3433	796	6	the	the	DET
fsr-3433	796	7	ames	ame	NOUN
fsr-3433	796	8	revealed	reveal	VERB
fsr-3433	796	9	that	that	SCONJ
fsr-3433	796	10	attitude	attitude	NOUN
fsr-3433	796	11	towards	towards	ADP
fsr-3433	796	12	balancing	balance	VERB
fsr-3433	796	13	spending	spending	NOUN
fsr-3433	796	14	and	and	CCONJ
fsr-3433	796	15	savings	saving	NOUN
fsr-3433	796	16	has	have	VERB
fsr-3433	796	17	more	more	ADJ
fsr-3433	796	18	relevance	relevance	NOUN
fsr-3433	796	19	to	to	ADP
fsr-3433	796	20	the	the	DET
fsr-3433	796	21	reduced	reduce	VERB
fsr-3433	796	22	credit	credit	NOUN
fsr-3433	796	23	card	card	NOUN
fsr-3433	796	24	debt	debt	NOUN
fsr-3433	796	25	-	-	PUNCT
fsr-3433	796	26	taking	take	VERB
fsr-3433	796	27	behavior	behavior	NOUN
fsr-3433	796	28	,	,	PUNCT
fsr-3433	796	29	followed	follow	VERB
fsr-3433	796	30	by	by	ADP
fsr-3433	796	31	the	the	DET
fsr-3433	796	32	financial	financial	ADJ
fsr-3433	796	33	satisfaction	satisfaction	NOUN
fsr-3433	796	34	variable	variable	NOUN
fsr-3433	796	35	and	and	CCONJ
fsr-3433	796	36	then	then	ADV
fsr-3433	796	37	financial	financial	ADJ
fsr-3433	796	38	literacy	literacy	NOUN
fsr-3433	796	39	.	.	PUNCT
fsr-3433	797	1	this	this	PRON
fsr-3433	797	2	implies	imply	VERB
fsr-3433	797	3	that	that	SCONJ
fsr-3433	797	4	financial	financial	ADJ
fsr-3433	797	5	literacy	literacy	NOUN
fsr-3433	797	6	has	have	VERB
fsr-3433	797	7	a	a	DET
fsr-3433	797	8	relatively	relatively	ADV
fsr-3433	797	9	weaker	weak	ADJ
fsr-3433	797	10	magnitude	magnitude	NOUN
fsr-3433	797	11	of	of	ADP
fsr-3433	797	12	relationship	relationship	NOUN
fsr-3433	797	13	with	with	ADP
fsr-3433	797	14	credit	credit	NOUN
fsr-3433	797	15	card	card	NOUN
fsr-3433	797	16	debt	debt	NOUN
fsr-3433	797	17	-	-	PUNCT
fsr-3433	797	18	taking	take	VERB
fsr-3433	797	19	behavior	behavior	NOUN
fsr-3433	797	20	,	,	PUNCT
fsr-3433	797	21	yet	yet	CCONJ
fsr-3433	797	22	a	a	DET
fsr-3433	797	23	significant	significant	ADJ
fsr-3433	797	24	factor	factor	NOUN
fsr-3433	797	25	to	to	PART
fsr-3433	797	26	have	have	VERB
fsr-3433	797	27	an	an	DET
fsr-3433	797	28	association	association	NOUN
fsr-3433	797	29	with	with	ADP
fsr-3433	797	30	credit	credit	NOUN
fsr-3433	797	31	card	card	NOUN
fsr-3433	797	32	debt	debt	NOUN
fsr-3433	797	33	-	-	PUNCT
fsr-3433	797	34	taking	take	VERB
fsr-3433	797	35	behavior	behavior	NOUN
fsr-3433	797	36	.	.	PUNCT
fsr-3433	798	1	among	among	ADP
fsr-3433	798	2	the	the	DET
fsr-3433	798	3	five	five	NUM
fsr-3433	798	4	financial	financial	ADJ
fsr-3433	798	5	literacy	literacy	NOUN
fsr-3433	798	6	concepts	concept	NOUN
fsr-3433	798	7	,	,	PUNCT
fsr-3433	798	8	the	the	DET
fsr-3433	798	9	concept	concept	NOUN
fsr-3433	798	10	of	of	ADP
fsr-3433	798	11	simple	simple	ADJ
fsr-3433	798	12	interest	interest	NOUN
fsr-3433	798	13	showed	show	VERB
fsr-3433	798	14	a	a	DET
fsr-3433	798	15	highly	highly	ADV
fsr-3433	798	16	negative	negative	ADJ
fsr-3433	798	17	association	association	NOUN
fsr-3433	798	18	with	with	ADP
fsr-3433	798	19	credit	credit	NOUN
fsr-3433	798	20	card	card	NOUN
fsr-3433	798	21	debttaking	debttaking	NOUN
fsr-3433	798	22	behavior	behavior	NOUN
fsr-3433	798	23	.	.	PUNCT
fsr-3433	799	1	our	our	PRON
fsr-3433	799	2	results	result	NOUN
fsr-3433	799	3	suggest	suggest	VERB
fsr-3433	799	4	that	that	SCONJ
fsr-3433	799	5	prior	prior	ADJ
fsr-3433	799	6	financial	financial	ADJ
fsr-3433	799	7	knowledge	knowledge	NOUN
fsr-3433	799	8	has	have	VERB
fsr-3433	799	9	a	a	DET
fsr-3433	799	10	relatively	relatively	ADV
fsr-3433	799	11	weaker	weak	ADJ
fsr-3433	799	12	magnitude	magnitude	NOUN
fsr-3433	799	13	of	of	ADP
fsr-3433	799	14	association	association	NOUN
fsr-3433	799	15	with	with	ADP
fsr-3433	799	16	financial	financial	ADJ
fsr-3433	799	17	decisions	decision	NOUN
fsr-3433	799	18	.	.	PUNCT
fsr-3433	800	1	instead	instead	ADV
fsr-3433	800	2	,	,	PUNCT
fsr-3433	800	3	attitude	attitude	NOUN
fsr-3433	800	4	towards	towards	ADP
fsr-3433	800	5	money	money	NOUN
fsr-3433	800	6	matters	matter	VERB
fsr-3433	800	7	more	more	ADV
fsr-3433	800	8	than	than	ADP
fsr-3433	800	9	the	the	DET
fsr-3433	800	10	prior	prior	ADJ
fsr-3433	800	11	financial	financial	ADJ
fsr-3433	800	12	knowledge	knowledge	NOUN
fsr-3433	800	13	.	.	PUNCT
fsr-3433	801	1	the	the	DET
fsr-3433	801	2	results	result	NOUN
fsr-3433	801	3	are	be	AUX
fsr-3433	801	4	comparable	comparable	ADJ
fsr-3433	801	5	with	with	ADP
fsr-3433	801	6	the	the	DET
fsr-3433	801	7	prior	prior	ADJ
fsr-3433	801	8	studies	study	NOUN
fsr-3433	801	9	.	.	PUNCT
fsr-3433	802	1	fernandes	fernandes	PROPN
fsr-3433	802	2	et	et	PROPN
fsr-3433	802	3	al	al	PROPN
fsr-3433	802	4	.	.	PROPN
fsr-3433	803	1	(	(	PUNCT
fsr-3433	803	2	2014	2014	NUM
fsr-3433	803	3	)	)	PUNCT
fsr-3433	803	4	find	find	VERB
fsr-3433	803	5	that	that	SCONJ
fsr-3433	803	6	the	the	DET
fsr-3433	803	7	incorporation	incorporation	NOUN
fsr-3433	803	8	of	of	ADP
fsr-3433	803	9	factors	factor	NOUN
fsr-3433	803	10	other	other	ADJ
fsr-3433	803	11	than	than	ADP
fsr-3433	803	12	financial	financial	ADJ
fsr-3433	803	13	literacy	literacy	NOUN
fsr-3433	803	14	in	in	ADP
fsr-3433	803	15	analyzing	analyze	VERB
fsr-3433	803	16	the	the	DET
fsr-3433	803	17	relationship	relationship	NOUN
fsr-3433	803	18	between	between	ADP
fsr-3433	803	19	financial	financial	ADJ
fsr-3433	803	20	literacy	literacy	NOUN
fsr-3433	803	21	and	and	CCONJ
fsr-3433	803	22	financial	financial	ADJ
fsr-3433	803	23	behavior	behavior	NOUN
fsr-3433	803	24	diminishes	diminish	VERB
fsr-3433	803	25	the	the	DET
fsr-3433	803	26	effect	effect	NOUN
fsr-3433	803	27	size	size	NOUN
fsr-3433	803	28	of	of	ADP
fsr-3433	803	29	financial	financial	ADJ
fsr-3433	803	30	literacy	literacy	NOUN
fsr-3433	803	31	.	.	PUNCT
fsr-3433	804	1	moreover	moreover	ADV
fsr-3433	804	2	,	,	PUNCT
fsr-3433	804	3	garcı́a	garcı́a	PROPN
fsr-3433	804	4	(	(	PUNCT
fsr-3433	804	5	2013	2013	NUM
fsr-3433	804	6	)	)	PUNCT
fsr-3433	804	7	shows	show	VERB
fsr-3433	804	8	that	that	SCONJ
fsr-3433	804	9	prior	prior	ADJ
fsr-3433	804	10	beliefs	belief	NOUN
fsr-3433	804	11	,	,	PUNCT
fsr-3433	804	12	mental	mental	ADJ
fsr-3433	804	13	abilities	ability	NOUN
fsr-3433	804	14	,	,	PUNCT
fsr-3433	804	15	and	and	CCONJ
fsr-3433	804	16	cognitive	cognitive	ADJ
fsr-3433	804	17	factors	factor	NOUN
fsr-3433	804	18	dominate	dominate	VERB
fsr-3433	804	19	the	the	DET
fsr-3433	804	20	decision	decision	NOUN
fsr-3433	804	21	-	-	PUNCT
fsr-3433	804	22	making	make	VERB
fsr-3433	804	23	process	process	NOUN
fsr-3433	804	24	.	.	PUNCT
fsr-3433	805	1	our	our	PRON
fsr-3433	805	2	results	result	NOUN
fsr-3433	805	3	partially	partially	ADV
fsr-3433	805	4	support	support	VERB
fsr-3433	805	5	this	this	DET
fsr-3433	805	6	conclusion	conclusion	NOUN
fsr-3433	805	7	because	because	SCONJ
fsr-3433	805	8	the	the	DET
fsr-3433	805	9	magnitude	magnitude	NOUN
fsr-3433	805	10	of	of	ADP
fsr-3433	805	11	the	the	DET
fsr-3433	805	12	association	association	NOUN
fsr-3433	805	13	of	of	ADP
fsr-3433	805	14	financial	financial	ADJ
fsr-3433	805	15	literary	literary	ADJ
fsr-3433	805	16	diminishes	diminish	VERB
fsr-3433	805	17	when	when	SCONJ
fsr-3433	805	18	other	other	ADJ
fsr-3433	805	19	factors	factor	NOUN
fsr-3433	805	20	are	be	AUX
fsr-3433	805	21	included	include	VERB
fsr-3433	805	22	.	.	PUNCT
fsr-3433	806	1	however	however	ADV
fsr-3433	806	2	,	,	PUNCT
fsr-3433	806	3	the	the	DET
fsr-3433	806	4	relevance	relevance	NOUN
fsr-3433	806	5	of	of	ADP
fsr-3433	806	6	financial	financial	ADJ
fsr-3433	806	7	literacy	literacy	NOUN
fsr-3433	806	8	does	do	AUX
fsr-3433	806	9	not	not	PART
fsr-3433	806	10	disappear	disappear	VERB
fsr-3433	806	11	294	294	NUM
fsr-3433	806	12	m.	m.	NOUN
fsr-3433	806	13	s.	s.	PROPN
fsr-3433	806	14	tahir	tahir	PROPN
fsr-3433	806	15	et	et	PROPN
fsr-3433	806	16	al	al	PROPN
fsr-3433	806	17	.	.	PUNCT
fsr-3433	806	18	/	/	SYM
fsr-3433	806	19	financial	financial	ADJ
fsr-3433	806	20	services	service	NOUN
fsr-3433	806	21	review	review	VERB
fsr-3433	806	22	28	28	NUM
fsr-3433	806	23	(	(	PUNCT
fsr-3433	806	24	2020	2020	NUM
fsr-3433	806	25	)	)	PUNCT
fsr-3433	807	1	273–301	273–301	NUM
fsr-3433	807	2	suggesting	suggest	VERB
fsr-3433	807	3	some	some	DET
fsr-3433	807	4	importance	importance	NOUN
fsr-3433	807	5	for	for	ADP
fsr-3433	807	6	the	the	DET
fsr-3433	807	7	role	role	NOUN
fsr-3433	807	8	of	of	ADP
fsr-3433	807	9	financial	financial	ADJ
fsr-3433	807	10	literacy	literacy	NOUN
fsr-3433	807	11	in	in	ADP
fsr-3433	807	12	credit	credit	NOUN
fsr-3433	807	13	card	card	NOUN
fsr-3433	807	14	debt	debt	NOUN
fsr-3433	807	15	-	-	PUNCT
fsr-3433	807	16	taking	take	VERB
fsr-3433	807	17	behavior	behavior	NOUN
fsr-3433	807	18	.	.	PUNCT
fsr-3433	808	1	in	in	ADP
fsr-3433	808	2	our	our	PRON
fsr-3433	808	3	results	result	NOUN
fsr-3433	808	4	,	,	PUNCT
fsr-3433	808	5	the	the	DET
fsr-3433	808	6	relevance	relevance	NOUN
fsr-3433	808	7	of	of	ADP
fsr-3433	808	8	attitude	attitude	NOUN
fsr-3433	808	9	towards	towards	ADP
fsr-3433	808	10	balancing	balance	VERB
fsr-3433	808	11	spending	spending	NOUN
fsr-3433	808	12	and	and	CCONJ
fsr-3433	808	13	savings	saving	NOUN
fsr-3433	808	14	and	and	CCONJ
fsr-3433	808	15	credit	credit	NOUN
fsr-3433	808	16	card	card	NOUN
fsr-3433	808	17	debt	debt	NOUN
fsr-3433	808	18	-	-	PUNCT
fsr-3433	808	19	taking	take	VERB
fsr-3433	808	20	behavior	behavior	NOUN
fsr-3433	808	21	is	be	AUX
fsr-3433	808	22	twofold	twofold	ADJ
fsr-3433	808	23	.	.	PUNCT
fsr-3433	809	1	first	first	ADV
fsr-3433	809	2	,	,	PUNCT
fsr-3433	809	3	we	we	PRON
fsr-3433	809	4	show	show	VERB
fsr-3433	809	5	that	that	SCONJ
fsr-3433	809	6	those	those	PRON
fsr-3433	809	7	who	who	PRON
fsr-3433	809	8	keep	keep	VERB
fsr-3433	809	9	a	a	DET
fsr-3433	809	10	balance	balance	NOUN
fsr-3433	809	11	between	between	ADP
fsr-3433	809	12	spending	spending	NOUN
fsr-3433	809	13	and	and	CCONJ
fsr-3433	809	14	savings	saving	NOUN
fsr-3433	809	15	have	have	VERB
fsr-3433	809	16	relatively	relatively	ADV
fsr-3433	809	17	less	less	ADJ
fsr-3433	809	18	probability	probability	NOUN
fsr-3433	809	19	of	of	ADP
fsr-3433	809	20	having	have	VERB
fsr-3433	809	21	credit	credit	NOUN
fsr-3433	809	22	card	card	NOUN
fsr-3433	809	23	debt	debt	NOUN
fsr-3433	809	24	.	.	PUNCT
fsr-3433	810	1	second	second	ADJ
fsr-3433	810	2	,	,	PUNCT
fsr-3433	810	3	we	we	PRON
fsr-3433	810	4	argue	argue	VERB
fsr-3433	810	5	that	that	SCONJ
fsr-3433	810	6	people	people	NOUN
fsr-3433	810	7	with	with	ADP
fsr-3433	810	8	a	a	DET
fsr-3433	810	9	higher	high	ADJ
fsr-3433	810	10	credit	credit	NOUN
fsr-3433	810	11	limit	limit	NOUN
fsr-3433	810	12	tend	tend	VERB
fsr-3433	810	13	to	to	PART
fsr-3433	810	14	spend	spend	VERB
fsr-3433	810	15	more	more	ADJ
fsr-3433	810	16	because	because	SCONJ
fsr-3433	810	17	they	they	PRON
fsr-3433	810	18	think	think	VERB
fsr-3433	810	19	that	that	SCONJ
fsr-3433	810	20	their	their	PRON
fsr-3433	810	21	future	future	ADJ
fsr-3433	810	22	income	income	NOUN
fsr-3433	810	23	will	will	AUX
fsr-3433	810	24	cover	cover	VERB
fsr-3433	810	25	their	their	PRON
fsr-3433	810	26	credit	credit	NOUN
fsr-3433	810	27	card	card	NOUN
fsr-3433	810	28	debt	debt	NOUN
fsr-3433	810	29	(	(	PUNCT
fsr-3433	810	30	soman	soman	NOUN
fsr-3433	810	31	&	&	CCONJ
fsr-3433	810	32	cheema	cheema	PROPN
fsr-3433	810	33	,	,	PUNCT
fsr-3433	810	34	2002	2002	NUM
fsr-3433	810	35	)	)	PUNCT
fsr-3433	810	36	.	.	PUNCT
fsr-3433	811	1	our	our	PRON
fsr-3433	811	2	results	result	NOUN
fsr-3433	811	3	have	have	VERB
fsr-3433	811	4	an	an	DET
fsr-3433	811	5	important	important	ADJ
fsr-3433	811	6	implication	implication	NOUN
fsr-3433	811	7	for	for	ADP
fsr-3433	811	8	policies	policy	NOUN
fsr-3433	811	9	on	on	ADP
fsr-3433	811	10	improving	improve	VERB
fsr-3433	811	11	the	the	DET
fsr-3433	811	12	financial	financial	ADJ
fsr-3433	811	13	literacy	literacy	NOUN
fsr-3433	811	14	of	of	ADP
fsr-3433	811	15	households	household	NOUN
fsr-3433	811	16	in	in	ADP
fsr-3433	811	17	australia	australia	PROPN
fsr-3433	811	18	.	.	PUNCT
fsr-3433	812	1	the	the	DET
fsr-3433	812	2	research	research	NOUN
fsr-3433	812	3	suggests	suggest	VERB
fsr-3433	812	4	that	that	SCONJ
fsr-3433	812	5	education	education	NOUN
fsr-3433	812	6	of	of	ADP
fsr-3433	812	7	this	this	DET
fsr-3433	812	8	nature	nature	NOUN
fsr-3433	812	9	will	will	AUX
fsr-3433	812	10	have	have	VERB
fsr-3433	812	11	some	some	PRON
fsr-3433	812	12	,	,	PUNCT
fsr-3433	812	13	but	but	CCONJ
fsr-3433	812	14	limited	limited	ADJ
fsr-3433	812	15	relevance	relevance	NOUN
fsr-3433	812	16	.	.	PUNCT
fsr-3433	813	1	curricula	curricula	NOUN
fsr-3433	813	2	that	that	PRON
fsr-3433	813	3	focus	focus	NOUN
fsr-3433	813	4	on	on	ADP
fsr-3433	813	5	financial	financial	ADJ
fsr-3433	813	6	behaviors	behavior	NOUN
fsr-3433	813	7	and	and	CCONJ
fsr-3433	813	8	attitude	attitude	NOUN
fsr-3433	813	9	towards	towards	ADP
fsr-3433	813	10	personal	personal	ADJ
fsr-3433	813	11	finance	finance	NOUN
fsr-3433	813	12	will	will	AUX
fsr-3433	813	13	be	be	AUX
fsr-3433	813	14	more	more	ADV
fsr-3433	813	15	relevant	relevant	ADJ
fsr-3433	813	16	to	to	PART
fsr-3433	813	17	reduced	reduce	VERB
fsr-3433	813	18	problematic	problematic	ADJ
fsr-3433	813	19	debt	debt	NOUN
fsr-3433	813	20	-	-	PUNCT
fsr-3433	813	21	taking	taking	NOUN
fsr-3433	813	22	.	.	PUNCT
fsr-3433	814	1	in	in	ADP
fsr-3433	814	2	this	this	DET
fsr-3433	814	3	regard	regard	NOUN
fsr-3433	814	4	,	,	PUNCT
fsr-3433	814	5	although	although	SCONJ
fsr-3433	814	6	the	the	DET
fsr-3433	814	7	australian	australian	ADJ
fsr-3433	814	8	government	government	NOUN
fsr-3433	814	9	has	have	AUX
fsr-3433	814	10	already	already	ADV
fsr-3433	814	11	designed	design	VERB
fsr-3433	814	12	a	a	DET
fsr-3433	814	13	new	new	ADJ
fsr-3433	814	14	website	website	NOUN
fsr-3433	814	15	of	of	ADP
fsr-3433	814	16	financial	financial	ADJ
fsr-3433	814	17	capability	capability	NOUN
fsr-3433	814	18	that	that	PRON
fsr-3433	814	19	includes	include	VERB
fsr-3433	814	20	contents	content	NOUN
fsr-3433	814	21	related	relate	VERB
fsr-3433	814	22	to	to	ADP
fsr-3433	814	23	improving	improve	VERB
fsr-3433	814	24	attitude	attitude	NOUN
fsr-3433	814	25	towards	towards	ADP
fsr-3433	814	26	personal	personal	ADJ
fsr-3433	814	27	finance	finance	NOUN
fsr-3433	814	28	,	,	PUNCT
fsr-3433	814	29	but	but	CCONJ
fsr-3433	814	30	there	there	PRON
fsr-3433	814	31	is	be	VERB
fsr-3433	814	32	still	still	ADV
fsr-3433	814	33	room	room	NOUN
fsr-3433	814	34	for	for	ADP
fsr-3433	814	35	improvement	improvement	NOUN
fsr-3433	814	36	as	as	SCONJ
fsr-3433	814	37	there	there	PRON
fsr-3433	814	38	is	be	VERB
fsr-3433	814	39	a	a	DET
fsr-3433	814	40	global	global	ADJ
fsr-3433	814	41	emergence	emergence	NOUN
fsr-3433	814	42	of	of	ADP
fsr-3433	814	43	the	the	DET
fsr-3433	814	44	concept	concept	NOUN
fsr-3433	814	45	of	of	ADP
fsr-3433	814	46	financial	financial	PROPN
fsr-3433	814	47	wellbeing.2	wellbeing.2	PROPN
fsr-3433	814	48	kempson	kempson	PROPN
fsr-3433	814	49	,	,	PUNCT
fsr-3433	814	50	finney	finney	PROPN
fsr-3433	814	51	,	,	PUNCT
fsr-3433	814	52	and	and	CCONJ
fsr-3433	814	53	poppe	poppe	PROPN
fsr-3433	814	54	(	(	PUNCT
fsr-3433	814	55	2017	2017	NUM
fsr-3433	814	56	)	)	PUNCT
fsr-3433	814	57	explain	explain	VERB
fsr-3433	814	58	the	the	DET
fsr-3433	814	59	shift	shift	NOUN
fsr-3433	814	60	of	of	ADP
fsr-3433	814	61	focus	focus	NOUN
fsr-3433	814	62	from	from	ADP
fsr-3433	814	63	financial	financial	ADJ
fsr-3433	814	64	literacy	literacy	NOUN
fsr-3433	814	65	to	to	ADP
fsr-3433	814	66	financial	financial	ADJ
fsr-3433	814	67	capability	capability	NOUN
fsr-3433	814	68	,	,	PUNCT
fsr-3433	814	69	and	and	CCONJ
fsr-3433	814	70	from	from	ADP
fsr-3433	814	71	financial	financial	ADJ
fsr-3433	814	72	capability	capability	NOUN
fsr-3433	814	73	to	to	ADP
fsr-3433	814	74	financial	financial	ADJ
fsr-3433	814	75	wellbeing	wellbeing	NOUN
fsr-3433	814	76	.	.	PUNCT
fsr-3433	815	1	further	far	ADV
fsr-3433	815	2	,	,	PUNCT
fsr-3433	815	3	in	in	ADP
fsr-3433	815	4	light	light	NOUN
fsr-3433	815	5	of	of	ADP
fsr-3433	815	6	the	the	DET
fsr-3433	815	7	importance	importance	NOUN
fsr-3433	815	8	of	of	ADP
fsr-3433	815	9	attitude	attitude	NOUN
fsr-3433	815	10	towards	towards	ADP
fsr-3433	815	11	balancing	balance	VERB
fsr-3433	815	12	spending	spending	NOUN
fsr-3433	815	13	and	and	CCONJ
fsr-3433	815	14	savings	saving	NOUN
fsr-3433	815	15	,	,	PUNCT
fsr-3433	815	16	people	people	NOUN
fsr-3433	815	17	need	need	VERB
fsr-3433	815	18	to	to	PART
fsr-3433	815	19	be	be	AUX
fsr-3433	815	20	educated	educate	VERB
fsr-3433	815	21	through	through	ADP
fsr-3433	815	22	focused	focus	VERB
fsr-3433	815	23	media	medium	NOUN
fsr-3433	815	24	campaigns	campaign	NOUN
fsr-3433	815	25	that	that	PRON
fsr-3433	815	26	promote	promote	VERB
fsr-3433	815	27	an	an	DET
fsr-3433	815	28	environment	environment	NOUN
fsr-3433	815	29	of	of	ADP
fsr-3433	815	30	not	not	PART
fsr-3433	815	31	to	to	PART
fsr-3433	815	32	overspend	overspend	VERB
fsr-3433	815	33	and	and	CCONJ
fsr-3433	815	34	keep	keep	VERB
fsr-3433	815	35	a	a	DET
fsr-3433	815	36	balance	balance	NOUN
fsr-3433	815	37	between	between	ADP
fsr-3433	815	38	spending	spending	NOUN
fsr-3433	815	39	and	and	CCONJ
fsr-3433	815	40	savings	saving	NOUN
fsr-3433	815	41	.	.	PUNCT
fsr-3433	816	1	moreover	moreover	ADV
fsr-3433	816	2	,	,	PUNCT
fsr-3433	816	3	although	although	SCONJ
fsr-3433	816	4	the	the	DET
fsr-3433	816	5	asic	asic	NOUN
fsr-3433	816	6	is	be	AUX
fsr-3433	816	7	continuously	continuously	ADV
fsr-3433	816	8	reviewing	review	VERB
fsr-3433	816	9	and	and	CCONJ
fsr-3433	816	10	regulating	regulate	VERB
fsr-3433	816	11	the	the	DET
fsr-3433	816	12	credit	credit	NOUN
fsr-3433	816	13	card	card	NOUN
fsr-3433	816	14	market	market	NOUN
fsr-3433	816	15	,	,	PUNCT
fsr-3433	816	16	but	but	CCONJ
fsr-3433	816	17	there	there	PRON
fsr-3433	816	18	is	be	VERB
fsr-3433	816	19	a	a	DET
fsr-3433	816	20	need	need	NOUN
fsr-3433	816	21	to	to	PART
fsr-3433	816	22	regulate	regulate	VERB
fsr-3433	816	23	the	the	DET
fsr-3433	816	24	media	media	NOUN
fsr-3433	816	25	advertisements	advertisement	NOUN
fsr-3433	816	26	of	of	ADP
fsr-3433	816	27	financial	financial	ADJ
fsr-3433	816	28	institutions	institution	NOUN
fsr-3433	816	29	where	where	SCONJ
fsr-3433	816	30	they	they	PRON
fsr-3433	816	31	promote	promote	VERB
fsr-3433	816	32	their	their	PRON
fsr-3433	816	33	financial	financial	ADJ
fsr-3433	816	34	products	product	NOUN
fsr-3433	816	35	and	and	CCONJ
fsr-3433	816	36	attract	attract	VERB
fsr-3433	816	37	consumers	consumer	NOUN
fsr-3433	816	38	to	to	PART
fsr-3433	816	39	open	open	VERB
fsr-3433	816	40	a	a	DET
fsr-3433	816	41	credit	credit	NOUN
fsr-3433	816	42	card	card	NOUN
fsr-3433	816	43	account	account	NOUN
fsr-3433	816	44	.	.	PUNCT
fsr-3433	817	1	the	the	DET
fsr-3433	817	2	financial	financial	ADJ
fsr-3433	817	3	services	service	NOUN
fsr-3433	817	4	regulating	regulate	VERB
fsr-3433	817	5	institutions	institution	NOUN
fsr-3433	817	6	should	should	AUX
fsr-3433	817	7	continuously	continuously	ADV
fsr-3433	817	8	monitor	monitor	VERB
fsr-3433	817	9	the	the	DET
fsr-3433	817	10	media	medium	NOUN
fsr-3433	817	11	advertising	advertising	NOUN
fsr-3433	817	12	strategies	strategy	NOUN
fsr-3433	817	13	of	of	ADP
fsr-3433	817	14	financial	financial	ADJ
fsr-3433	817	15	institutions	institution	NOUN
fsr-3433	817	16	and	and	CCONJ
fsr-3433	817	17	make	make	VERB
fsr-3433	817	18	people	people	NOUN
fsr-3433	817	19	aware	aware	ADJ
fsr-3433	817	20	of	of	ADP
fsr-3433	817	21	any	any	DET
fsr-3433	817	22	possible	possible	ADJ
fsr-3433	817	23	“	"	PUNCT
fsr-3433	817	24	debt	debt	NOUN
fsr-3433	817	25	-	-	PUNCT
fsr-3433	817	26	trap	trap	NOUN
fsr-3433	817	27	.	.	PUNCT
fsr-3433	817	28	”	"	PUNCT
fsr-3433	818	1	finally	finally	ADV
fsr-3433	818	2	,	,	PUNCT
fsr-3433	818	3	as	as	SCONJ
fsr-3433	818	4	credit	credit	NOUN
fsr-3433	818	5	cards	card	NOUN
fsr-3433	818	6	are	be	AUX
fsr-3433	818	7	a	a	DET
fsr-3433	818	8	source	source	NOUN
fsr-3433	818	9	of	of	ADP
fsr-3433	818	10	utilizing	utilize	VERB
fsr-3433	818	11	future	future	ADJ
fsr-3433	818	12	income	income	NOUN
fsr-3433	818	13	,	,	PUNCT
fsr-3433	818	14	financial	financial	ADJ
fsr-3433	818	15	institutions	institution	NOUN
fsr-3433	818	16	should	should	AUX
fsr-3433	818	17	set	set	VERB
fsr-3433	818	18	a	a	DET
fsr-3433	818	19	credit	credit	NOUN
fsr-3433	818	20	limit	limit	NOUN
fsr-3433	818	21	after	after	ADP
fsr-3433	818	22	keeping	keep	VERB
fsr-3433	818	23	in	in	ADP
fsr-3433	818	24	view	view	NOUN
fsr-3433	818	25	the	the	DET
fsr-3433	818	26	future	future	ADJ
fsr-3433	818	27	income	income	NOUN
fsr-3433	818	28	of	of	ADP
fsr-3433	818	29	consumers	consumer	NOUN
fsr-3433	818	30	.	.	PUNCT
fsr-3433	819	1	some	some	DET
fsr-3433	819	2	interventions	intervention	NOUN
fsr-3433	819	3	must	must	AUX
fsr-3433	819	4	be	be	AUX
fsr-3433	819	5	introduced	introduce	VERB
fsr-3433	819	6	in	in	ADP
fsr-3433	819	7	case	case	NOUN
fsr-3433	819	8	of	of	ADP
fsr-3433	819	9	any	any	DET
fsr-3433	819	10	possible	possible	ADJ
fsr-3433	819	11	economic	economic	ADJ
fsr-3433	819	12	shock	shock	NOUN
fsr-3433	819	13	that	that	PRON
fsr-3433	819	14	could	could	AUX
fsr-3433	819	15	disturb	disturb	VERB
fsr-3433	819	16	the	the	DET
fsr-3433	819	17	spending	spending	NOUN
fsr-3433	819	18	and	and	CCONJ
fsr-3433	819	19	savings	saving	NOUN
fsr-3433	819	20	attitude	attitude	NOUN
fsr-3433	819	21	of	of	ADP
fsr-3433	819	22	consumers	consumer	NOUN
fsr-3433	819	23	.	.	PUNCT
fsr-3433	820	1	our	our	PRON
fsr-3433	820	2	research	research	NOUN
fsr-3433	820	3	has	have	VERB
fsr-3433	820	4	some	some	DET
fsr-3433	820	5	limitations	limitation	NOUN
fsr-3433	820	6	that	that	SCONJ
fsr-3433	820	7	future	future	ADJ
fsr-3433	820	8	researchers	researcher	NOUN
fsr-3433	820	9	may	may	AUX
fsr-3433	820	10	wish	wish	VERB
fsr-3433	820	11	to	to	PART
fsr-3433	820	12	address	address	VERB
fsr-3433	820	13	.	.	PUNCT
fsr-3433	821	1	we	we	PRON
fsr-3433	821	2	could	could	AUX
fsr-3433	821	3	not	not	PART
fsr-3433	821	4	conclude	conclude	VERB
fsr-3433	821	5	a	a	DET
fsr-3433	821	6	causal	causal	ADJ
fsr-3433	821	7	relationship	relationship	NOUN
fsr-3433	821	8	between	between	ADP
fsr-3433	821	9	the	the	DET
fsr-3433	821	10	variables	variable	NOUN
fsr-3433	821	11	because	because	SCONJ
fsr-3433	821	12	we	we	PRON
fsr-3433	821	13	used	use	VERB
fsr-3433	821	14	a	a	DET
fsr-3433	821	15	crosssectional	crosssectional	ADJ
fsr-3433	821	16	dataset	dataset	NOUN
fsr-3433	821	17	.	.	PUNCT
fsr-3433	822	1	future	future	ADJ
fsr-3433	822	2	researchers	researcher	NOUN
fsr-3433	822	3	may	may	AUX
fsr-3433	822	4	conduct	conduct	VERB
fsr-3433	822	5	a	a	DET
fsr-3433	822	6	longitudinal	longitudinal	ADJ
fsr-3433	822	7	analysis	analysis	NOUN
fsr-3433	822	8	to	to	PART
fsr-3433	822	9	see	see	VERB
fsr-3433	822	10	if	if	SCONJ
fsr-3433	822	11	the	the	DET
fsr-3433	822	12	suggested	suggest	VERB
fsr-3433	822	13	relevance	relevance	NOUN
fsr-3433	822	14	turns	turn	VERB
fsr-3433	822	15	into	into	ADP
fsr-3433	822	16	a	a	DET
fsr-3433	822	17	causal	causal	ADJ
fsr-3433	822	18	relationship	relationship	NOUN
fsr-3433	822	19	.	.	PUNCT
fsr-3433	823	1	further	far	ADV
fsr-3433	823	2	,	,	PUNCT
fsr-3433	823	3	future	future	ADJ
fsr-3433	823	4	analyses	analysis	NOUN
fsr-3433	823	5	may	may	AUX
fsr-3433	823	6	include	include	VERB
fsr-3433	823	7	more	more	ADV
fsr-3433	823	8	relevant	relevant	ADJ
fsr-3433	823	9	behavioral	behavioral	ADJ
fsr-3433	823	10	and	and	CCONJ
fsr-3433	823	11	personality	personality	NOUN
fsr-3433	823	12	factors	factor	NOUN
fsr-3433	823	13	such	such	ADJ
fsr-3433	823	14	as	as	ADP
fsr-3433	823	15	self	self	NOUN
fsr-3433	823	16	-	-	PUNCT
fsr-3433	823	17	control	control	NOUN
fsr-3433	823	18	,	,	PUNCT
fsr-3433	823	19	future	future	ADJ
fsr-3433	823	20	-	-	PUNCT
fsr-3433	823	21	oriented	orient	VERB
fsr-3433	823	22	behavior	behavior	NOUN
fsr-3433	823	23	,	,	PUNCT
fsr-3433	823	24	and	and	CCONJ
fsr-3433	823	25	non	non	ADJ
fsr-3433	823	26	-	-	ADJ
fsr-3433	823	27	impulsive	impulsive	ADJ
fsr-3433	823	28	behavior	behavior	NOUN
fsr-3433	823	29	to	to	PART
fsr-3433	823	30	conclude	conclude	VERB
fsr-3433	823	31	a	a	DET
fsr-3433	823	32	relationship	relationship	NOUN
fsr-3433	823	33	with	with	ADP
fsr-3433	823	34	credit	credit	NOUN
fsr-3433	823	35	card	card	NOUN
fsr-3433	823	36	debttaking	debttaking	NOUN
fsr-3433	823	37	behavior	behavior	NOUN
fsr-3433	823	38	.	.	PUNCT
fsr-3433	824	1	as	as	SCONJ
fsr-3433	824	2	we	we	PRON
fsr-3433	824	3	used	use	VERB
fsr-3433	824	4	a	a	DET
fsr-3433	824	5	secondary	secondary	ADJ
fsr-3433	824	6	dataset	dataset	NOUN
fsr-3433	824	7	for	for	ADP
fsr-3433	824	8	this	this	DET
fsr-3433	824	9	article	article	NOUN
fsr-3433	824	10	,	,	PUNCT
fsr-3433	824	11	we	we	PRON
fsr-3433	824	12	were	be	AUX
fsr-3433	824	13	unable	unable	ADJ
fsr-3433	824	14	to	to	PART
fsr-3433	824	15	capture	capture	VERB
fsr-3433	824	16	the	the	DET
fsr-3433	824	17	influence	influence	NOUN
fsr-3433	824	18	of	of	ADP
fsr-3433	824	19	external	external	ADJ
fsr-3433	824	20	factors	factor	NOUN
fsr-3433	824	21	that	that	PRON
fsr-3433	824	22	remained	remain	VERB
fsr-3433	824	23	unobserved	unobserved	ADJ
fsr-3433	824	24	and	and	CCONJ
fsr-3433	824	25	might	might	AUX
fsr-3433	824	26	have	have	VERB
fsr-3433	824	27	a	a	DET
fsr-3433	824	28	larger	large	ADJ
fsr-3433	824	29	influence	influence	NOUN
fsr-3433	824	30	on	on	ADP
fsr-3433	824	31	the	the	DET
fsr-3433	824	32	attitude	attitude	NOUN
fsr-3433	824	33	and	and	CCONJ
fsr-3433	824	34	behavior	behavior	NOUN
fsr-3433	824	35	of	of	ADP
fsr-3433	824	36	individuals	individual	NOUN
fsr-3433	824	37	/	/	SYM
fsr-3433	824	38	households	household	NOUN
fsr-3433	824	39	.	.	PUNCT
fsr-3433	825	1	for	for	ADP
fsr-3433	825	2	instance	instance	NOUN
fsr-3433	825	3	,	,	PUNCT
fsr-3433	825	4	education	education	NOUN
fsr-3433	825	5	from	from	ADP
fsr-3433	825	6	parents	parent	NOUN
fsr-3433	825	7	or	or	CCONJ
fsr-3433	825	8	society	society	NOUN
fsr-3433	825	9	norms	norm	NOUN
fsr-3433	825	10	might	might	AUX
fsr-3433	825	11	have	have	VERB
fsr-3433	825	12	more	more	ADJ
fsr-3433	825	13	relevance	relevance	NOUN
fsr-3433	825	14	with	with	ADP
fsr-3433	825	15	the	the	DET
fsr-3433	825	16	behavior	behavior	NOUN
fsr-3433	825	17	of	of	ADP
fsr-3433	825	18	households	household	NOUN
fsr-3433	825	19	that	that	PRON
fsr-3433	825	20	may	may	AUX
fsr-3433	825	21	affect	affect	VERB
fsr-3433	825	22	their	their	PRON
fsr-3433	825	23	financial	financial	ADJ
fsr-3433	825	24	decisions	decision	NOUN
fsr-3433	825	25	.	.	PUNCT
fsr-3433	826	1	moreover	moreover	ADV
fsr-3433	826	2	,	,	PUNCT
fsr-3433	826	3	although	although	SCONJ
fsr-3433	826	4	we	we	PRON
fsr-3433	826	5	used	use	VERB
fsr-3433	826	6	popular	popular	ADJ
fsr-3433	826	7	measures	measure	NOUN
fsr-3433	826	8	of	of	ADP
fsr-3433	826	9	financial	financial	ADJ
fsr-3433	826	10	literacy	literacy	NOUN
fsr-3433	826	11	,	,	PUNCT
fsr-3433	826	12	but	but	CCONJ
fsr-3433	826	13	different	different	ADJ
fsr-3433	826	14	measures	measure	NOUN
fsr-3433	826	15	could	could	AUX
fsr-3433	826	16	produce	produce	VERB
fsr-3433	826	17	different	different	ADJ
fsr-3433	826	18	results	result	NOUN
fsr-3433	826	19	.	.	PUNCT
fsr-3433	827	1	a	a	DET
fsr-3433	827	2	guide	guide	NOUN
fsr-3433	827	3	for	for	ADP
fsr-3433	827	4	future	future	ADJ
fsr-3433	827	5	researchers	researcher	NOUN
fsr-3433	827	6	may	may	AUX
fsr-3433	827	7	be	be	AUX
fsr-3433	827	8	to	to	PART
fsr-3433	827	9	subjectively	subjectively	ADV
fsr-3433	827	10	measure	measure	VERB
fsr-3433	827	11	financial	financial	ADJ
fsr-3433	827	12	literacy	literacy	NOUN
fsr-3433	827	13	and	and	CCONJ
fsr-3433	827	14	analyze	analyze	VERB
fsr-3433	827	15	if	if	SCONJ
fsr-3433	827	16	the	the	DET
fsr-3433	827	17	same	same	ADJ
fsr-3433	827	18	results	result	NOUN
fsr-3433	827	19	pop	pop	NOUN
fsr-3433	827	20	-	-	PUNCT
fsr-3433	827	21	up	up	NOUN
fsr-3433	827	22	.	.	PUNCT
fsr-3433	828	1	finally	finally	ADV
fsr-3433	828	2	,	,	PUNCT
fsr-3433	828	3	financial	financial	ADJ
fsr-3433	828	4	capability	capability	NOUN
fsr-3433	828	5	and	and	CCONJ
fsr-3433	828	6	financial	financial	ADJ
fsr-3433	828	7	wellbeing	wellbeing	NOUN
fsr-3433	828	8	are	be	AUX
fsr-3433	828	9	emerging	emerge	VERB
fsr-3433	828	10	concepts	concept	NOUN
fsr-3433	828	11	in	in	ADP
fsr-3433	828	12	the	the	DET
fsr-3433	828	13	field	field	NOUN
fsr-3433	828	14	of	of	ADP
fsr-3433	828	15	personal	personal	ADJ
fsr-3433	828	16	finance	finance	NOUN
fsr-3433	828	17	that	that	PRON
fsr-3433	828	18	may	may	AUX
fsr-3433	828	19	have	have	VERB
fsr-3433	828	20	relevance	relevance	NOUN
fsr-3433	828	21	with	with	ADP
fsr-3433	828	22	reduced	reduce	VERB
fsr-3433	828	23	credit	credit	NOUN
fsr-3433	828	24	card	card	NOUN
fsr-3433	828	25	debt	debt	NOUN
fsr-3433	828	26	-	-	PUNCT
fsr-3433	828	27	taking	take	VERB
fsr-3433	828	28	behavior	behavior	NOUN
fsr-3433	828	29	.	.	PUNCT
fsr-3433	829	1	m.	m.	PROPN
fsr-3433	829	2	s.	s.	PROPN
fsr-3433	829	3	tahir	tahir	PROPN
fsr-3433	829	4	et	et	PROPN
fsr-3433	829	5	al	al	PROPN
fsr-3433	829	6	.	.	PUNCT
fsr-3433	829	7	/	/	SYM
fsr-3433	829	8	financial	financial	ADJ
fsr-3433	829	9	services	service	NOUN
fsr-3433	829	10	review	review	VERB
fsr-3433	829	11	28	28	NUM
fsr-3433	829	12	(	(	PUNCT
fsr-3433	829	13	2020	2020	NUM
fsr-3433	829	14	)	)	PUNCT
fsr-3433	830	1	273–301	273–301	NUM
fsr-3433	830	2	295	295	NUM
fsr-3433	830	3	notes	note	NOUN
fsr-3433	830	4	1	1	NUM
fsr-3433	830	5	“	"	PUNCT
fsr-3433	830	6	this	this	DET
fsr-3433	830	7	article	article	NOUN
fsr-3433	830	8	uses	use	VERB
fsr-3433	830	9	unit	unit	NOUN
fsr-3433	830	10	record	record	NOUN
fsr-3433	830	11	data	datum	NOUN
fsr-3433	830	12	from	from	ADP
fsr-3433	830	13	the	the	DET
fsr-3433	830	14	household	household	NOUN
fsr-3433	830	15	,	,	PUNCT
fsr-3433	830	16	income	income	NOUN
fsr-3433	830	17	and	and	CCONJ
fsr-3433	830	18	labour	labour	NOUN
fsr-3433	830	19	dynamics	dynamic	NOUN
fsr-3433	830	20	in	in	ADP
fsr-3433	830	21	australia	australia	PROPN
fsr-3433	830	22	(	(	PUNCT
fsr-3433	830	23	hilda	hilda	PROPN
fsr-3433	830	24	)	)	PUNCT
fsr-3433	830	25	survey	survey	NOUN
fsr-3433	830	26	.	.	PUNCT
fsr-3433	831	1	the	the	DET
fsr-3433	831	2	hilda	hilda	PROPN
fsr-3433	831	3	project	project	NOUN
fsr-3433	831	4	was	be	AUX
fsr-3433	831	5	initiated	initiate	VERB
fsr-3433	831	6	and	and	CCONJ
fsr-3433	831	7	is	be	AUX
fsr-3433	831	8	funded	fund	VERB
fsr-3433	831	9	by	by	ADP
fsr-3433	831	10	the	the	DET
fsr-3433	831	11	australian	australian	ADJ
fsr-3433	831	12	government	government	NOUN
fsr-3433	831	13	department	department	NOUN
fsr-3433	831	14	of	of	ADP
fsr-3433	831	15	families	family	NOUN
fsr-3433	831	16	,	,	PUNCT
fsr-3433	831	17	housing	housing	NOUN
fsr-3433	831	18	,	,	PUNCT
fsr-3433	831	19	community	community	NOUN
fsr-3433	831	20	services	service	NOUN
fsr-3433	831	21	and	and	CCONJ
fsr-3433	831	22	indigenous	indigenous	ADJ
fsr-3433	831	23	affairs	affair	NOUN
fsr-3433	831	24	(	(	PUNCT
fsr-3433	831	25	fahcsia	fahcsia	PROPN
fsr-3433	831	26	)	)	PUNCT
fsr-3433	831	27	and	and	CCONJ
fsr-3433	831	28	is	be	AUX
fsr-3433	831	29	managed	manage	VERB
fsr-3433	831	30	by	by	ADP
fsr-3433	831	31	the	the	DET
fsr-3433	831	32	melbourne	melbourne	PROPN
fsr-3433	831	33	institute	institute	PROPN
fsr-3433	831	34	of	of	ADP
fsr-3433	831	35	applied	apply	VERB
fsr-3433	831	36	economic	economic	ADJ
fsr-3433	831	37	and	and	CCONJ
fsr-3433	831	38	social	social	ADJ
fsr-3433	831	39	research	research	NOUN
fsr-3433	831	40	(	(	PUNCT
fsr-3433	831	41	melbourne	melbourne	PROPN
fsr-3433	831	42	institute	institute	PROPN
fsr-3433	831	43	)	)	PUNCT
fsr-3433	831	44	.	.	PUNCT
fsr-3433	832	1	the	the	DET
fsr-3433	832	2	findings	finding	NOUN
fsr-3433	832	3	and	and	CCONJ
fsr-3433	832	4	views	view	NOUN
fsr-3433	832	5	reported	report	VERB
fsr-3433	832	6	in	in	ADP
fsr-3433	832	7	this	this	DET
fsr-3433	832	8	article	article	NOUN
fsr-3433	832	9	;	;	PUNCT
fsr-3433	832	10	however	however	ADV
fsr-3433	832	11	,	,	PUNCT
fsr-3433	832	12	are	be	AUX
fsr-3433	832	13	those	those	PRON
fsr-3433	832	14	of	of	ADP
fsr-3433	832	15	the	the	DET
fsr-3433	832	16	author	author	NOUN
fsr-3433	832	17	and	and	CCONJ
fsr-3433	832	18	should	should	AUX
fsr-3433	832	19	not	not	PART
fsr-3433	832	20	be	be	AUX
fsr-3433	832	21	attributed	attribute	VERB
fsr-3433	832	22	to	to	ADP
fsr-3433	832	23	either	either	CCONJ
fsr-3433	832	24	fahcsia	fahcsia	PROPN
fsr-3433	832	25	or	or	CCONJ
fsr-3433	832	26	the	the	DET
fsr-3433	832	27	melbourne	melbourne	PROPN
fsr-3433	832	28	institute	institute	PROPN
fsr-3433	832	29	.	.	PUNCT
fsr-3433	832	30	”	"	PUNCT
fsr-3433	833	1	(	(	PUNCT
fsr-3433	833	2	summerfield	summerfield	NOUN
fsr-3433	833	3	et	et	PROPN
fsr-3433	833	4	al	al	PROPN
fsr-3433	833	5	.	.	PROPN
fsr-3433	833	6	,	,	PUNCT
fsr-3433	833	7	2017	2017	NUM
fsr-3433	833	8	)	)	PUNCT
fsr-3433	833	9	.	.	PUNCT
fsr-3433	834	1	2	2	NUM
fsr-3433	834	2	https://financialcapability.gov.au/	https://financialcapability.gov.au/	PROPN
fsr-3433	834	3	acknowledgment	acknowledgment	NOUN
fsr-3433	834	4	this	this	DET
fsr-3433	834	5	research	research	NOUN
fsr-3433	834	6	article	article	NOUN
fsr-3433	834	7	is	be	AUX
fsr-3433	834	8	a	a	DET
fsr-3433	834	9	part	part	NOUN
fsr-3433	834	10	of	of	ADP
fsr-3433	834	11	the	the	DET
fsr-3433	834	12	project	project	NOUN
fsr-3433	834	13	funded	fund	VERB
fsr-3433	834	14	by	by	ADP
fsr-3433	834	15	the	the	DET
fsr-3433	834	16	think	think	NOUN
fsr-3433	834	17	forward	forward	PROPN
fsr-3433	834	18	initiative	initiative	NOUN
fsr-3433	834	19	(	(	PUNCT
fsr-3433	834	20	tfi	tfi	NOUN
fsr-3433	834	21	)	)	PUNCT
fsr-3433	834	22	.	.	PUNCT
fsr-3433	835	1	the	the	DET
fsr-3433	835	2	technical	technical	ADJ
fsr-3433	835	3	report	report	NOUN
fsr-3433	835	4	submitted	submit	VERB
fsr-3433	835	5	to	to	ADP
fsr-3433	835	6	the	the	DET
fsr-3433	835	7	tfi	tfi	NOUN
fsr-3433	835	8	can	can	AUX
fsr-3433	835	9	be	be	AUX
fsr-3433	835	10	viewed	view	VERB
fsr-3433	835	11	here	here	ADV
fsr-3433	835	12	:	:	PUNCT
fsr-3433	835	13	https://www.thinkforwardinitiative	https://www.thinkforwardinitiative	PROPN
fsr-3433	835	14	.	.	PUNCT
fsr-3433	835	15	com	com	NOUN
fsr-3433	835	16	/	/	SYM
fsr-3433	835	17	research	research	NOUN
fsr-3433	835	18	/	/	SYM
fsr-3433	835	19	addressing	address	VERB
fsr-3433	835	20	-	-	PUNCT
fsr-3433	835	21	the	the	DET
fsr-3433	835	22	-	-	PUNCT
fsr-3433	835	23	challenge	challenge	NOUN
fsr-3433	835	24	-	-	PUNCT
fsr-3433	835	25	of	of	ADP
fsr-3433	835	26	-	-	PUNCT
fsr-3433	835	27	problematic	problematic	ADJ
fsr-3433	835	28	-	-	PUNCT
fsr-3433	835	29	debt	debt	NOUN
fsr-3433	835	30	-	-	PUNCT
fsr-3433	835	31	australia	australia	NOUN
fsr-3433	835	32	-	-	PUNCT
fsr-3433	835	33	and	and	CCONJ
fsr-3433	835	34	-	-	PUNCT
fsr-3433	835	35	eurozone	eurozone	NOUN
fsr-3433	835	36	.	.	PUNCT
fsr-3433	836	1	the	the	DET
fsr-3433	836	2	authors	author	NOUN
fsr-3433	836	3	would	would	AUX
fsr-3433	836	4	like	like	VERB
fsr-3433	836	5	to	to	PART
fsr-3433	836	6	thank	thank	VERB
fsr-3433	836	7	the	the	DET
fsr-3433	836	8	editor(s	editor(s	NOUN
fsr-3433	836	9	)	)	PUNCT
fsr-3433	836	10	and	and	CCONJ
fsr-3433	836	11	three	three	NUM
fsr-3433	836	12	anonymous	anonymous	ADJ
fsr-3433	836	13	reviewers	reviewer	NOUN
fsr-3433	836	14	for	for	ADP
fsr-3433	836	15	their	their	PRON
fsr-3433	836	16	comments	comment	NOUN
fsr-3433	836	17	on	on	ADP
fsr-3433	836	18	this	this	DET
fsr-3433	836	19	article	article	NOUN
fsr-3433	836	20	.	.	PUNCT
fsr-3433	837	1	the	the	DET
fsr-3433	837	2	authors	author	NOUN
fsr-3433	837	3	believe	believe	VERB
fsr-3433	837	4	that	that	SCONJ
fsr-3433	837	5	the	the	DET
fsr-3433	837	6	comments	comment	NOUN
fsr-3433	837	7	received	receive	VERB
fsr-3433	837	8	have	have	AUX
fsr-3433	837	9	improved	improve	VERB
fsr-3433	837	10	the	the	DET
fsr-3433	837	11	readability	readability	NOUN
fsr-3433	837	12	and	and	CCONJ
fsr-3433	837	13	quality	quality	NOUN
fsr-3433	837	14	of	of	ADP
fsr-3433	837	15	the	the	DET
fsr-3433	837	16	article	article	NOUN
fsr-3433	837	17	.	.	PUNCT
fsr-3433	838	1	in	in	ADP
fsr-3433	838	2	addition	addition	NOUN
fsr-3433	838	3	,	,	PUNCT
fsr-3433	838	4	the	the	DET
fsr-3433	838	5	corresponding	corresponding	ADJ
fsr-3433	838	6	author	author	NOUN
fsr-3433	838	7	would	would	AUX
fsr-3433	838	8	like	like	VERB
fsr-3433	838	9	to	to	PART
fsr-3433	838	10	thank	thank	VERB
fsr-3433	838	11	his	his	PRON
fsr-3433	838	12	fellow	fellow	ADJ
fsr-3433	838	13	phd	phd	NOUN
fsr-3433	838	14	candidates	candidate	NOUN
fsr-3433	838	15	at	at	ADP
fsr-3433	838	16	rmit	rmit	PROPN
fsr-3433	838	17	university	university	PROPN
fsr-3433	838	18	(	(	PUNCT
fsr-3433	838	19	melbourne	melbourne	PROPN
fsr-3433	838	20	)	)	PUNCT
fsr-3433	838	21	for	for	ADP
fsr-3433	838	22	reviewing	review	VERB
fsr-3433	838	23	the	the	DET
fsr-3433	838	24	article	article	NOUN
fsr-3433	838	25	and	and	CCONJ
fsr-3433	838	26	providing	provide	VERB
fsr-3433	838	27	constructive	constructive	ADJ
fsr-3433	838	28	feedback	feedback	NOUN
fsr-3433	838	29	.	.	PUNCT
fsr-3433	839	1	appendix	appendix	NOUN
fsr-3433	839	2	1	1	NUM
fsr-3433	839	3	:	:	PUNCT
fsr-3433	839	4	equations	equation	NOUN
fsr-3433	839	5	of	of	ADP
fsr-3433	839	6	binary	binary	PROPN
fsr-3433	839	7	logit	logit	PROPN
fsr-3433	839	8	regression	regression	VERB
fsr-3433	839	9	the	the	DET
fsr-3433	839	10	main	main	ADJ
fsr-3433	839	11	dependent	dependent	ADJ
fsr-3433	839	12	variable	variable	NOUN
fsr-3433	839	13	of	of	ADP
fsr-3433	839	14	this	this	DET
fsr-3433	839	15	study	study	NOUN
fsr-3433	839	16	—	—	PUNCT
fsr-3433	839	17	problematic	problematic	ADJ
fsr-3433	839	18	debt	debt	NOUN
fsr-3433	839	19	-	-	PUNCT
fsr-3433	839	20	taking	taking	NOUN
fsr-3433	839	21	—	—	PUNCT
fsr-3433	839	22	is	be	AUX
fsr-3433	839	23	a	a	DET
fsr-3433	839	24	binary	binary	ADJ
fsr-3433	839	25	variable	variable	NOUN
fsr-3433	839	26	.	.	PUNCT
fsr-3433	840	1	this	this	DET
fsr-3433	840	2	variable	variable	NOUN
fsr-3433	840	3	was	be	AUX
fsr-3433	840	4	coded	code	VERB
fsr-3433	840	5	to	to	ADP
fsr-3433	840	6	“	"	PUNCT
fsr-3433	840	7	0	0	NUM
fsr-3433	840	8	”	"	PUNCT
fsr-3433	840	9	for	for	ADP
fsr-3433	840	10	those	those	PRON
fsr-3433	840	11	who	who	PRON
fsr-3433	840	12	pay	pay	VERB
fsr-3433	840	13	off	off	ADP
fsr-3433	840	14	their	their	PRON
fsr-3433	840	15	monthly	monthly	ADJ
fsr-3433	840	16	credit	credit	NOUN
fsr-3433	840	17	card	card	NOUN
fsr-3433	840	18	balance	balance	NOUN
fsr-3433	840	19	each	each	DET
fsr-3433	840	20	month	month	NOUN
fsr-3433	840	21	(	(	PUNCT
fsr-3433	840	22	that	that	PRON
fsr-3433	840	23	means	means	AUX
fsr-3433	840	24	not	not	PART
fsr-3433	840	25	take	take	VERB
fsr-3433	840	26	debt	debt	NOUN
fsr-3433	840	27	)	)	PUNCT
fsr-3433	840	28	and	and	CCONJ
fsr-3433	840	29	coded	code	VERB
fsr-3433	840	30	to	to	ADP
fsr-3433	840	31	“	"	PUNCT
fsr-3433	840	32	1	1	NUM
fsr-3433	840	33	”	"	PUNCT
fsr-3433	840	34	for	for	ADP
fsr-3433	840	35	those	those	PRON
fsr-3433	840	36	who	who	PRON
fsr-3433	840	37	are	be	AUX
fsr-3433	840	38	unable	unable	ADJ
fsr-3433	840	39	to	to	PART
fsr-3433	840	40	pay	pay	VERB
fsr-3433	840	41	off	off	ADP
fsr-3433	840	42	their	their	PRON
fsr-3433	840	43	monthly	monthly	ADJ
fsr-3433	840	44	credit	credit	NOUN
fsr-3433	840	45	card	card	NOUN
fsr-3433	840	46	balance	balance	NOUN
fsr-3433	840	47	each	each	DET
fsr-3433	840	48	month	month	NOUN
fsr-3433	840	49	(	(	PUNCT
fsr-3433	840	50	demonstrating	demonstrate	VERB
fsr-3433	840	51	debt	debt	NOUN
fsr-3433	840	52	-	-	PUNCT
fsr-3433	840	53	taking	take	VERB
fsr-3433	840	54	behavior	behavior	NOUN
fsr-3433	840	55	)	)	PUNCT
fsr-3433	840	56	.	.	PUNCT
fsr-3433	841	1	the	the	DET
fsr-3433	841	2	binary	binary	ADJ
fsr-3433	841	3	nature	nature	NOUN
fsr-3433	841	4	of	of	ADP
fsr-3433	841	5	the	the	DET
fsr-3433	841	6	dependent	dependent	ADJ
fsr-3433	841	7	variable	variable	NOUN
fsr-3433	841	8	allows	allow	VERB
fsr-3433	841	9	using	use	VERB
fsr-3433	841	10	a	a	DET
fsr-3433	841	11	binary	binary	PROPN
fsr-3433	841	12	logit	logit	PROPN
fsr-3433	841	13	model	model	NOUN
fsr-3433	841	14	to	to	PART
fsr-3433	841	15	test	test	VERB
fsr-3433	841	16	the	the	DET
fsr-3433	841	17	relationship	relationship	NOUN
fsr-3433	841	18	between	between	ADP
fsr-3433	841	19	the	the	DET
fsr-3433	841	20	variables	variable	NOUN
fsr-3433	841	21	(	(	PUNCT
fsr-3433	841	22	kennedy	kennedy	PROPN
fsr-3433	841	23	,	,	PUNCT
fsr-3433	841	24	2003	2003	NUM
fsr-3433	841	25	;	;	PUNCT
fsr-3433	841	26	long	long	PROPN
fsr-3433	841	27	&	&	CCONJ
fsr-3433	841	28	freese	freese	PROPN
fsr-3433	841	29	,	,	PUNCT
fsr-3433	841	30	2006	2006	NUM
fsr-3433	841	31	)	)	PUNCT
fsr-3433	841	32	.	.	PUNCT
fsr-3433	842	1	the	the	DET
fsr-3433	842	2	results	result	NOUN
fsr-3433	842	3	of	of	ADP
fsr-3433	842	4	the	the	DET
fsr-3433	842	5	binary	binary	PROPN
fsr-3433	842	6	logit	logit	PROPN
fsr-3433	842	7	model	model	NOUN
fsr-3433	842	8	can	can	AUX
fsr-3433	842	9	only	only	ADV
fsr-3433	842	10	indicate	indicate	VERB
fsr-3433	842	11	a	a	DET
fsr-3433	842	12	positive	positive	ADJ
fsr-3433	842	13	or	or	CCONJ
fsr-3433	842	14	negative	negative	ADJ
fsr-3433	842	15	relationship	relationship	NOUN
fsr-3433	842	16	between	between	ADP
fsr-3433	842	17	the	the	DET
fsr-3433	842	18	variables	variable	NOUN
fsr-3433	842	19	as	as	SCONJ
fsr-3433	842	20	we	we	PRON
fsr-3433	842	21	can	can	AUX
fsr-3433	842	22	not	not	PART
fsr-3433	842	23	interpret	interpret	VERB
fsr-3433	842	24	the	the	DET
fsr-3433	842	25	estimated	estimate	VERB
fsr-3433	842	26	coefficients	coefficient	NOUN
fsr-3433	842	27	.	.	PUNCT
fsr-3433	843	1	to	to	PART
fsr-3433	843	2	interpret	interpret	VERB
fsr-3433	843	3	the	the	DET
fsr-3433	843	4	magnitude	magnitude	NOUN
fsr-3433	843	5	of	of	ADP
fsr-3433	843	6	the	the	DET
fsr-3433	843	7	relationship	relationship	NOUN
fsr-3433	843	8	,	,	PUNCT
fsr-3433	843	9	we	we	PRON
fsr-3433	843	10	often	often	ADV
fsr-3433	843	11	calculate	calculate	VERB
fsr-3433	843	12	the	the	DET
fsr-3433	843	13	odds	odd	NOUN
fsr-3433	843	14	ratio	ratio	NOUN
fsr-3433	843	15	,	,	PUNCT
fsr-3433	843	16	which	which	PRON
fsr-3433	843	17	can	can	AUX
fsr-3433	843	18	be	be	AUX
fsr-3433	843	19	defined	define	VERB
fsr-3433	843	20	as	as	ADP
fsr-3433	843	21	:	:	PUNCT
fsr-3433	843	22	s	s	X
fsr-3433	843	23	tð	tð	ADP
fsr-3433	843	24	þ	þ	PROPN
fsr-3433	843	25	¼	¼	NUM
fsr-3433	843	26	et	et	NOUN
fsr-3433	843	27	et	et	NOUN
fsr-3433	843	28	þ	þ	PROPN
fsr-3433	843	29	1	1	NUM
fsr-3433	843	30	¼	¼	NOUN
fsr-3433	843	31	1	1	NUM
fsr-3433	843	32	1	1	NUM
fsr-3433	843	33	þ	þ	PROPN
fsr-3433	843	34	e	e	PROPN
fsr-3433	843	35	�	�	PROPN
fsr-3433	843	36	t	t	PROPN
fsr-3433	843	37	(	(	PUNCT
fsr-3433	843	38	1	1	NUM
fsr-3433	843	39	)	)	PUNCT
fsr-3433	843	40	where	where	SCONJ
fsr-3433	843	41	,	,	PUNCT
fsr-3433	843	42	t	t	PROPN
fsr-3433	843	43	is	be	AUX
fsr-3433	843	44	the	the	DET
fsr-3433	843	45	linear	linear	ADJ
fsr-3433	843	46	combination	combination	NOUN
fsr-3433	843	47	of	of	ADP
fsr-3433	843	48	all	all	DET
fsr-3433	843	49	the	the	DET
fsr-3433	843	50	explanatory	explanatory	ADJ
fsr-3433	843	51	variables	variable	NOUN
fsr-3433	843	52	of	of	ADP
fsr-3433	843	53	the	the	DET
fsr-3433	843	54	study	study	NOUN
fsr-3433	843	55	and	and	CCONJ
fsr-3433	843	56	e	e	NOUN
fsr-3433	843	57	represents	represent	VERB
fsr-3433	843	58	their	their	PRON
fsr-3433	843	59	exponential	exponential	ADJ
fsr-3433	843	60	value	value	NOUN
fsr-3433	843	61	.	.	PUNCT
fsr-3433	844	1	in	in	ADP
fsr-3433	844	2	this	this	DET
fsr-3433	844	3	article	article	NOUN
fsr-3433	844	4	,	,	PUNCT
fsr-3433	844	5	we	we	PRON
fsr-3433	844	6	have	have	VERB
fsr-3433	844	7	financial	financial	ADJ
fsr-3433	844	8	literacy	literacy	NOUN
fsr-3433	844	9	,	,	PUNCT
fsr-3433	844	10	attitudes	attitude	NOUN
fsr-3433	844	11	towards	towards	ADP
fsr-3433	844	12	spending	spending	NOUN
fsr-3433	844	13	and	and	CCONJ
fsr-3433	844	14	savings	saving	NOUN
fsr-3433	844	15	,	,	PUNCT
fsr-3433	844	16	financial	financial	ADJ
fsr-3433	844	17	satisfaction	satisfaction	NOUN
fsr-3433	844	18	,	,	PUNCT
fsr-3433	844	19	and	and	CCONJ
fsr-3433	844	20	demographic	demographic	ADJ
fsr-3433	844	21	factors	factor	NOUN
fsr-3433	844	22	as	as	ADP
fsr-3433	844	23	explanatory	explanatory	ADJ
fsr-3433	844	24	variables	variable	NOUN
fsr-3433	844	25	.	.	PUNCT
fsr-3433	845	1	the	the	DET
fsr-3433	845	2	inclusion	inclusion	NOUN
fsr-3433	845	3	of	of	ADP
fsr-3433	845	4	explanatory	explanatory	ADJ
fsr-3433	845	5	variables	variable	NOUN
fsr-3433	845	6	is	be	AUX
fsr-3433	845	7	:	:	PUNCT
fsr-3433	845	8	g	g	PROPN
fsr-3433	845	9	p	p	PROPN
fsr-3433	845	10	xð	xð	PROPN
fsr-3433	845	11	þð	þð	PROPN
fsr-3433	845	12	þ=	þ=	PROPN
fsr-3433	845	13	ln	ln	PROPN
fsr-3433	845	14	p	p	X
fsr-3433	845	15	xð	xð	PROPN
fsr-3433	845	16	þ	þ	PROPN
fsr-3433	845	17	1	1	NUM
fsr-3433	845	18	�	�	PROPN
fsr-3433	845	19	p	p	PROPN
fsr-3433	846	1	xð	xð	PROPN
fsr-3433	846	2	þ	þ	PROPN
fsr-3433	846	3	�	�	PROPN
fsr-3433	846	4	�	�	PROPN
fsr-3433	846	5	=	=	SYM
fsr-3433	846	6	b	b	PROPN
fsr-3433	846	7	0	0	NUM
fsr-3433	846	8	þ	þ	PROPN
fsr-3433	846	9	b	b	X
fsr-3433	846	10	1x	1x	NUM
fsr-3433	846	11	(	(	PUNCT
fsr-3433	846	12	2	2	X
fsr-3433	846	13	)	)	PUNCT
fsr-3433	846	14	this	this	DET
fsr-3433	846	15	equation	equation	NOUN
fsr-3433	846	16	interprets	interpret	VERB
fsr-3433	846	17	the	the	DET
fsr-3433	846	18	probability	probability	NOUN
fsr-3433	846	19	of	of	ADP
fsr-3433	846	20	the	the	DET
fsr-3433	846	21	dependent	dependent	ADJ
fsr-3433	846	22	variable	variable	NOUN
fsr-3433	846	23	equaling	equal	VERB
fsr-3433	846	24	or	or	CCONJ
fsr-3433	846	25	approaching	approach	VERB
fsr-3433	846	26	to	to	ADP
fsr-3433	846	27	a	a	DET
fsr-3433	846	28	specific	specific	ADJ
fsr-3433	846	29	“	"	PUNCT
fsr-3433	846	30	case	case	NOUN
fsr-3433	846	31	,	,	PUNCT
fsr-3433	846	32	”	"	PUNCT
fsr-3433	846	33	where	where	SCONJ
fsr-3433	846	34	x	x	PRON
fsr-3433	846	35	represents	represent	VERB
fsr-3433	846	36	the	the	DET
fsr-3433	846	37	list	list	NOUN
fsr-3433	846	38	of	of	ADP
fsr-3433	846	39	explanatory	explanatory	ADJ
fsr-3433	846	40	variables	variable	NOUN
fsr-3433	846	41	as	as	SCONJ
fsr-3433	846	42	described	describe	VERB
fsr-3433	846	43	above	above	ADV
fsr-3433	846	44	.	.	PUNCT
fsr-3433	847	1	296	296	NUM
fsr-3433	847	2	m.	m.	NOUN
fsr-3433	847	3	s.	s.	PROPN
fsr-3433	847	4	tahir	tahir	PROPN
fsr-3433	847	5	et	et	PROPN
fsr-3433	847	6	al	al	PROPN
fsr-3433	847	7	.	.	PUNCT
fsr-3433	847	8	/	/	SYM
fsr-3433	847	9	financial	financial	ADJ
fsr-3433	847	10	services	service	NOUN
fsr-3433	847	11	review	review	VERB
fsr-3433	847	12	28	28	NUM
fsr-3433	847	13	(	(	PUNCT
fsr-3433	847	14	2020	2020	NUM
fsr-3433	847	15	)	)	PUNCT
fsr-3433	848	1	273–301	273–301	NUM
fsr-3433	848	2	moreover	moreover	ADV
fsr-3433	848	3	,	,	PUNCT
fsr-3433	848	4	the	the	DET
fsr-3433	848	5	above	above	ADJ
fsr-3433	848	6	equation	equation	NOUN
fsr-3433	848	7	states	state	VERB
fsr-3433	848	8	that	that	SCONJ
fsr-3433	848	9	the	the	DET
fsr-3433	848	10	logit	logit	PROPN
fsr-3433	848	11	(	(	PUNCT
fsr-3433	848	12	log	log	NOUN
fsr-3433	848	13	odds	odd	NOUN
fsr-3433	848	14	–	–	PUNCT
fsr-3433	848	15	natural	natural	ADJ
fsr-3433	848	16	log	log	NOUN
fsr-3433	848	17	of	of	ADP
fsr-3433	848	18	the	the	DET
fsr-3433	848	19	odds	odd	NOUN
fsr-3433	848	20	)	)	PUNCT
fsr-3433	848	21	is	be	AUX
fsr-3433	848	22	as	as	ADV
fsr-3433	848	23	same	same	ADJ
fsr-3433	848	24	as	as	ADP
fsr-3433	848	25	the	the	DET
fsr-3433	848	26	linear	linear	ADJ
fsr-3433	848	27	regression	regression	NOUN
fsr-3433	848	28	equation	equation	NOUN
fsr-3433	848	29	.	.	PUNCT
fsr-3433	849	1	this	this	DET
fsr-3433	849	2	model	model	NOUN
fsr-3433	849	3	can	can	AUX
fsr-3433	849	4	also	also	ADV
fsr-3433	849	5	be	be	AUX
fsr-3433	849	6	transformed	transform	VERB
fsr-3433	849	7	into	into	ADP
fsr-3433	849	8	the	the	DET
fsr-3433	849	9	following	follow	VERB
fsr-3433	849	10	equation	equation	NOUN
fsr-3433	849	11	after	after	ADP
fsr-3433	849	12	taking	take	VERB
fsr-3433	849	13	the	the	DET
fsr-3433	849	14	exponential	exponential	ADJ
fsr-3433	849	15	values	value	NOUN
fsr-3433	849	16	of	of	ADP
fsr-3433	849	17	both	both	DET
fsr-3433	849	18	sides	side	NOUN
fsr-3433	849	19	.	.	PUNCT
fsr-3433	850	1	p	p	X
fsr-3433	850	2	xð	xð	PROPN
fsr-3433	850	3	þ	þ	PROPN
fsr-3433	850	4	1	1	NUM
fsr-3433	850	5	�	�	PROPN
fsr-3433	850	6	p	p	PROPN
fsr-3433	850	7	xð	xð	PROPN
fsr-3433	850	8	þ	þ	PROPN
fsr-3433	850	9	�	�	PROPN
fsr-3433	850	10	�	�	PROPN
fsr-3433	850	11	¼	¼	NOUN
fsr-3433	850	12	eb	eb	PROPN
fsr-3433	850	13	0	0	PROPN
fsr-3433	850	14	þ	þ	PROPN
fsr-3433	850	15	b	b	X
fsr-3433	850	16	1x	1x	NUM
fsr-3433	850	17	(	(	PUNCT
fsr-3433	850	18	3	3	NUM
fsr-3433	850	19	)	)	PUNCT
fsr-3433	850	20	in	in	ADP
fsr-3433	850	21	the	the	DET
fsr-3433	850	22	case	case	NOUN
fsr-3433	850	23	of	of	ADP
fsr-3433	850	24	the	the	DET
fsr-3433	850	25	logistic	logistic	ADJ
fsr-3433	850	26	function	function	NOUN
fsr-3433	850	27	,	,	PUNCT
fsr-3433	850	28	the	the	DET
fsr-3433	850	29	odds	odd	NOUN
fsr-3433	850	30	of	of	ADP
fsr-3433	850	31	the	the	DET
fsr-3433	850	32	dependent	dependent	ADJ
fsr-3433	850	33	variable	variable	NOUN
fsr-3433	850	34	being	be	AUX
fsr-3433	850	35	equal	equal	ADJ
fsr-3433	850	36	to	to	ADP
fsr-3433	850	37	a	a	DET
fsr-3433	850	38	case	case	NOUN
fsr-3433	850	39	are	be	AUX
fsr-3433	850	40	interpreted	interpret	VERB
fsr-3433	850	41	and	and	CCONJ
fsr-3433	850	42	the	the	DET
fsr-3433	850	43	exponential	exponential	ADJ
fsr-3433	850	44	value	value	NOUN
fsr-3433	850	45	truly	truly	ADV
fsr-3433	850	46	represents	represent	VERB
fsr-3433	850	47	the	the	DET
fsr-3433	850	48	odds	odd	NOUN
fsr-3433	850	49	as	as	SCONJ
fsr-3433	850	50	shown	show	VERB
fsr-3433	850	51	by	by	ADP
fsr-3433	850	52	the	the	DET
fsr-3433	850	53	following	follow	VERB
fsr-3433	850	54	equation	equation	NOUN
fsr-3433	850	55	:	:	PUNCT
fsr-3433	850	56	odds	odd	NOUN
fsr-3433	850	57	¼	¼	NOUN
fsr-3433	850	58	eb	eb	PROPN
fsr-3433	850	59	0	0	PROPN
fsr-3433	851	1	þ	þ	PROPN
fsr-3433	851	2	b	b	X
fsr-3433	851	3	1x	1x	NUM
fsr-3433	851	4	(	(	PUNCT
fsr-3433	851	5	4	4	X
fsr-3433	851	6	)	)	PUNCT
fsr-3433	851	7	appendix	appendix	VERB
fsr-3433	851	8	2	2	NUM
fsr-3433	851	9	variance	variance	NOUN
fsr-3433	851	10	inflation	inflation	NOUN
fsr-3433	851	11	factor	factor	NOUN
fsr-3433	851	12	(	(	PUNCT
fsr-3433	851	13	vif	vif	PROPN
fsr-3433	851	14	)	)	PUNCT
fsr-3433	851	15	of	of	ADP
fsr-3433	851	16	the	the	DET
fsr-3433	851	17	variables	variable	NOUN
fsr-3433	851	18	of	of	ADP
fsr-3433	851	19	interest	interest	NOUN
fsr-3433	851	20	variable	variable	ADJ
fsr-3433	851	21	vif	vif	PROPN
fsr-3433	851	22	credit	credit	NOUN
fsr-3433	851	23	card	card	NOUN
fsr-3433	851	24	debt	debt	NOUN
fsr-3433	851	25	-	-	PUNCT
fsr-3433	851	26	taking	take	VERB
fsr-3433	851	27	behavior	behavior	NOUN
fsr-3433	851	28	1.22	1.22	NUM
fsr-3433	851	29	financial	financial	ADJ
fsr-3433	851	30	literacy	literacy	NOUN
fsr-3433	851	31	1.10	1.10	NUM
fsr-3433	851	32	attitude	attitude	NOUN
fsr-3433	851	33	towards	towards	ADP
fsr-3433	851	34	balancing	balance	VERB
fsr-3433	851	35	spending	spending	NOUN
fsr-3433	851	36	and	and	CCONJ
fsr-3433	851	37	savings	saving	NOUN
fsr-3433	851	38	1.22	1.22	NUM
fsr-3433	851	39	financial	financial	ADJ
fsr-3433	851	40	satisfaction	satisfaction	NOUN
fsr-3433	851	41	1.30	1.30	NUM
fsr-3433	851	42	female	female	NOUN
fsr-3433	851	43	1.10	1.10	NUM
fsr-3433	851	44	age	age	NOUN
fsr-3433	851	45	1.10	1.10	NUM
fsr-3433	851	46	income	income	NOUN
fsr-3433	851	47	1.12	1.12	NUM
fsr-3433	851	48	employment	employment	NOUN
fsr-3433	851	49	status	status	NOUN
fsr-3433	851	50	1.07	1.07	NUM
fsr-3433	851	51	marital	marital	ADJ
fsr-3433	851	52	status	status	NOUN
fsr-3433	851	53	1.08	1.08	NUM
fsr-3433	851	54	education	education	NOUN
fsr-3433	851	55	achieved	achieve	VERB
fsr-3433	851	56	1.13	1.13	NUM
fsr-3433	851	57	m.	m.	NOUN
fsr-3433	851	58	s.	s.	PROPN
fsr-3433	851	59	tahir	tahir	PROPN
fsr-3433	851	60	et	et	PROPN
fsr-3433	851	61	al	al	PROPN
fsr-3433	851	62	.	.	PUNCT
fsr-3433	851	63	/	/	SYM
fsr-3433	851	64	financial	financial	ADJ
fsr-3433	851	65	services	service	NOUN
fsr-3433	851	66	review	review	VERB
fsr-3433	851	67	28	28	NUM
fsr-3433	851	68	(	(	PUNCT
fsr-3433	851	69	2020	2020	NUM
fsr-3433	851	70	)	)	PUNCT
fsr-3433	852	1	273–301	273–301	NUM
fsr-3433	852	2	297	297	NUM
fsr-3433	852	3	a	a	DET
fsr-3433	852	4	p	p	X
fsr-3433	852	5	p	p	X
fsr-3433	852	6	en	en	PROPN
fsr-3433	852	7	d	d	NOUN
fsr-3433	852	8	ix	ix	ADP
fsr-3433	852	9	3	3	NUM
fsr-3433	852	10	r	r	NOUN
fsr-3433	852	11	o	o	X
fsr-3433	852	12	b	b	X
fsr-3433	852	13	u	u	PROPN
fsr-3433	852	14	st	st	PROPN
fsr-3433	852	15	n	n	ADV
fsr-3433	852	16	es	es	X
fsr-3433	852	17	s	s	X
fsr-3433	852	18	ch	ch	NOUN
fsr-3433	852	19	ec	ec	PROPN
fsr-3433	853	1	k	k	NOUN
fsr-3433	853	2	m	m	VERB
fsr-3433	853	3	o	o	X
fsr-3433	853	4	d	d	X
fsr-3433	853	5	el	el	PROPN
fsr-3433	853	6	1	1	NUM
fsr-3433	853	7	m	m	NOUN
fsr-3433	853	8	o	o	NOUN
fsr-3433	854	1	d	d	X
fsr-3433	854	2	el	el	PROPN
fsr-3433	854	3	2	2	NUM
fsr-3433	854	4	a	a	DET
fsr-3433	854	5	m	m	NOUN
fsr-3433	854	6	e	e	NOUN
fsr-3433	854	7	o	o	NOUN
fsr-3433	854	8	r	r	NOUN
fsr-3433	855	1	s	s	NOUN
fsr-3433	855	2	o	o	NOUN
fsr-3433	855	3	r	r	NOUN
fsr-3433	855	4	a	a	DET
fsr-3433	855	5	m	m	NOUN
fsr-3433	855	6	e	e	NOUN
fsr-3433	856	1	o	o	NOUN
fsr-3433	856	2	r	r	NOUN
fsr-3433	856	3	s	s	NOUN
fsr-3433	856	4	o	o	NOUN
fsr-3433	856	5	r	r	NOUN
fsr-3433	856	6	f	f	NOUN
fsr-3433	856	7	in	in	ADP
fsr-3433	856	8	an	an	DET
fsr-3433	856	9	ci	ci	PROPN
fsr-3433	856	10	al	al	PROPN
fsr-3433	856	11	li	li	PROPN
fsr-3433	856	12	te	te	PROPN
fsr-3433	856	13	ra	ra	PROPN
fsr-3433	856	14	cy	cy	PROPN
fsr-3433	856	15	�	�	PROPN
fsr-3433	856	16	0	0	NUM
fsr-3433	856	17	.0	.0	NUM
fsr-3433	856	18	1	1	NUM
fsr-3433	856	19	4	4	NUM
fsr-3433	856	20	*	*	PUNCT
fsr-3433	857	1	*	*	PUNCT
fsr-3433	857	2	0	0	PUNCT
fsr-3433	858	1	.9	.9	NUM
fsr-3433	858	2	0	0	NUM
fsr-3433	858	3	9	9	NUM
fsr-3433	858	4	*	*	PUNCT
fsr-3433	858	5	*	*	PUNCT
fsr-3433	858	6	(	(	PUNCT
fsr-3433	858	7	0	0	NUM
fsr-3433	858	8	.0	.0	NUM
fsr-3433	858	9	2	2	NUM
fsr-3433	858	10	8	8	NUM
fsr-3433	858	11	)	)	PUNCT
fsr-3433	858	12	0	0	NUM
fsr-3433	859	1	.9	.9	NUM
fsr-3433	859	2	1	1	NUM
fsr-3433	859	3	4	4	NUM
fsr-3433	859	4	*	*	PUNCT
fsr-3433	859	5	*	*	PUNCT
fsr-3433	859	6	in	in	ADP
fsr-3433	859	7	fl	fl	PROPN
fsr-3433	859	8	at	at	ADP
fsr-3433	859	9	io	io	PROPN
fsr-3433	859	10	n	n	PRON
fsr-3433	859	11	�	�	PROPN
fsr-3433	859	12	0	0	NUM
fsr-3433	859	13	.0	.0	NUM
fsr-3433	859	14	0	0	NUM
fsr-3433	859	15	8	8	NUM
fsr-3433	859	16	0	0	NUM
fsr-3433	859	17	.9	.9	NUM
fsr-3433	859	18	4	4	NUM
fsr-3433	859	19	4	4	NUM
fsr-3433	859	20	(	(	PUNCT
fsr-3433	859	21	0	0	NUM
fsr-3433	859	22	.0	.0	NUM
fsr-3433	859	23	7	7	NUM
fsr-3433	859	24	1	1	NUM
fsr-3433	859	25	)	)	PUNCT
fsr-3433	859	26	0	0	NUM
fsr-3433	860	1	.9	.9	NUM
fsr-3433	860	2	7	7	NUM
fsr-3433	860	3	8	8	NUM
fsr-3433	860	4	p	p	NOUN
fsr-3433	860	5	o	o	X
fsr-3433	861	1	rt	rt	INTJ
fsr-3433	862	1	fo	fo	INTJ
fsr-3433	862	2	li	li	PROPN
fsr-3433	863	1	o	o	NOUN
fsr-3433	863	2	ch	ch	NOUN
fsr-3433	863	3	o	o	X
fsr-3433	863	4	ic	ic	PROPN
fsr-3433	863	5	e	e	X
fsr-3433	863	6	�	�	PROPN
fsr-3433	863	7	0	0	NUM
fsr-3433	863	8	.0	.0	NUM
fsr-3433	863	9	3	3	NUM
fsr-3433	863	10	0	0	NUM
fsr-3433	864	1	*	*	SYM
fsr-3433	864	2	0	0	NUM
fsr-3433	865	1	.8	.8	NUM
fsr-3433	865	2	1	1	NUM
fsr-3433	865	3	7	7	NUM
fsr-3433	865	4	*	*	PUNCT
fsr-3433	865	5	(	(	PUNCT
fsr-3433	865	6	0	0	NUM
fsr-3433	865	7	.0	.0	NUM
fsr-3433	865	8	6	6	NUM
fsr-3433	865	9	5	5	NUM
fsr-3433	865	10	)	)	PUNCT
fsr-3433	865	11	0	0	NUM
fsr-3433	866	1	.9	.9	NUM
fsr-3433	866	2	3	3	NUM
fsr-3433	866	3	1	1	NUM
fsr-3433	866	4	*	*	SYM
fsr-3433	866	5	s	s	VERB
fsr-3433	866	6	i	i	NOUN
fsr-3433	866	7	m	m	VERB
fsr-3433	866	8	p	p	X
fsr-3433	866	9	le	le	X
fsr-3433	866	10	in	in	ADP
fsr-3433	866	11	te	te	PROPN
fsr-3433	866	12	re	re	PROPN
fsr-3433	866	13	st	st	PROPN
fsr-3433	866	14	�	�	PROPN
fsr-3433	866	15	0	0	NUM
fsr-3433	866	16	.0	.0	NUM
fsr-3433	866	17	3	3	NUM
fsr-3433	866	18	8	8	NUM
fsr-3433	866	19	*	*	SYM
fsr-3433	866	20	0	0	NUM
fsr-3433	867	1	.7	.7	NUM
fsr-3433	867	2	7	7	NUM
fsr-3433	867	3	0	0	NUM
fsr-3433	867	4	*	*	PUNCT
fsr-3433	867	5	(	(	PUNCT
fsr-3433	867	6	0	0	NUM
fsr-3433	867	7	.0	.0	NUM
fsr-3433	867	8	8	8	NUM
fsr-3433	867	9	8	8	NUM
fsr-3433	867	10	)	)	PUNCT
fsr-3433	867	11	0	0	NUM
fsr-3433	868	1	.9	.9	NUM
fsr-3433	868	2	3	3	NUM
fsr-3433	868	3	5	5	NUM
fsr-3433	868	4	*	*	PUNCT
fsr-3433	868	5	t	t	PROPN
fsr-3433	869	1	i	i	PRON
fsr-3433	869	2	m	m	VERB
fsr-3433	869	3	e	e	NOUN
fsr-3433	869	4	v	v	NUM
fsr-3433	869	5	al	al	PROPN
fsr-3433	869	6	u	u	PROPN
fsr-3433	870	1	e	e	NOUN
fsr-3433	870	2	o	o	NOUN
fsr-3433	870	3	f	f	X
fsr-3433	870	4	m	m	VERB
fsr-3433	870	5	o	o	NOUN
fsr-3433	870	6	n	n	INTJ
fsr-3433	870	7	ey	ey	INTJ
fsr-3433	870	8	0	0	NUM
fsr-3433	870	9	.0	.0	NUM
fsr-3433	870	10	2	2	NUM
fsr-3433	870	11	5	5	NUM
fsr-3433	870	12	*	*	SYM
fsr-3433	870	13	1	1	NUM
fsr-3433	870	14	.1	.1	NUM
fsr-3433	870	15	8	8	NUM
fsr-3433	870	16	7	7	NUM
fsr-3433	870	17	*	*	PUNCT
fsr-3433	870	18	(	(	PUNCT
fsr-3433	870	19	0	0	NUM
fsr-3433	870	20	.0	.0	NUM
fsr-3433	870	21	9	9	NUM
fsr-3433	870	22	6	6	NUM
fsr-3433	870	23	)	)	PUNCT
fsr-3433	870	24	1	1	NUM
fsr-3433	870	25	.0	.0	NUM
fsr-3433	870	26	6	6	NUM
fsr-3433	870	27	7	7	NUM
fsr-3433	870	28	*	*	PUNCT
fsr-3433	870	29	r	r	NOUN
fsr-3433	870	30	is	be	AUX
fsr-3433	870	31	k	k	PROPN
fsr-3433	870	32	an	an	PRON
fsr-3433	870	33	d	d	X
fsr-3433	870	34	re	re	VERB
fsr-3433	870	35	tu	tu	PROPN
fsr-3433	870	36	rn	rn	PROPN
fsr-3433	870	37	�	�	PROPN
fsr-3433	870	38	0	0	PROPN
fsr-3433	870	39	.0	.0	NUM
fsr-3433	870	40	3	3	NUM
fsr-3433	870	41	0	0	NUM
fsr-3433	871	1	*	*	SYM
fsr-3433	871	2	0	0	NUM
fsr-3433	872	1	.8	.8	NUM
fsr-3433	872	2	1	1	NUM
fsr-3433	872	3	3	3	NUM
fsr-3433	872	4	*	*	PUNCT
fsr-3433	872	5	(	(	PUNCT
fsr-3433	872	6	0	0	NUM
fsr-3433	872	7	.0	.0	NUM
fsr-3433	872	8	7	7	NUM
fsr-3433	872	9	8	8	NUM
fsr-3433	872	10	)	)	PUNCT
fsr-3433	872	11	0	0	NUM
fsr-3433	873	1	.9	.9	NUM
fsr-3433	874	1	4	4	NUM
fsr-3433	874	2	3	3	NUM
fsr-3433	874	3	*	*	PUNCT
fsr-3433	874	4	a	a	PRON
fsr-3433	874	5	tt	tt	X
fsr-3433	874	6	it	it	PRON
fsr-3433	874	7	u	u	NOUN
fsr-3433	874	8	d	d	X
fsr-3433	874	9	e	e	X
fsr-3433	874	10	to	to	ADP
fsr-3433	874	11	w	w	PROPN
fsr-3433	874	12	ar	ar	PROPN
fsr-3433	874	13	d	d	PROPN
fsr-3433	874	14	s	s	PROPN
fsr-3433	874	15	b	b	PROPN
fsr-3433	874	16	al	al	PROPN
fsr-3433	874	17	an	an	DET
fsr-3433	874	18	ci	ci	PROPN
fsr-3433	874	19	n	n	CCONJ
fsr-3433	874	20	g	g	NOUN
fsr-3433	874	21	sp	sp	ADP
fsr-3433	874	22	en	en	X
fsr-3433	874	23	d	d	PROPN
fsr-3433	874	24	in	in	ADP
fsr-3433	874	25	g	g	PROPN
fsr-3433	874	26	an	an	DET
fsr-3433	874	27	d	d	X
fsr-3433	874	28	sa	sa	PROPN
fsr-3433	874	29	v	v	NOUN
fsr-3433	874	30	in	in	ADP
fsr-3433	874	31	g	g	PROPN
fsr-3433	874	32	s	s	PROPN
fsr-3433	874	33	�	�	PROPN
fsr-3433	874	34	0	0	NUM
fsr-3433	874	35	.0	.0	NUM
fsr-3433	874	36	4	4	NUM
fsr-3433	874	37	9	9	NUM
fsr-3433	874	38	*	*	PUNCT
fsr-3433	875	1	*	*	PUNCT
fsr-3433	875	2	*	*	PUNCT
fsr-3433	875	3	0	0	NUM
fsr-3433	876	1	.7	.7	NUM
fsr-3433	876	2	1	1	NUM
fsr-3433	876	3	8	8	NUM
fsr-3433	876	4	*	*	PUNCT
fsr-3433	877	1	*	*	PUNCT
fsr-3433	877	2	*	*	PUNCT
fsr-3433	877	3	(	(	PUNCT
fsr-3433	877	4	0	0	NUM
fsr-3433	877	5	.0	.0	NUM
fsr-3433	877	6	1	1	NUM
fsr-3433	877	7	4	4	NUM
fsr-3433	877	8	)	)	PUNCT
fsr-3433	877	9	0	0	NUM
fsr-3433	878	1	.6	.6	NUM
fsr-3433	878	2	0	0	NUM
fsr-3433	878	3	5	5	NUM
fsr-3433	878	4	*	*	PUNCT
fsr-3433	878	5	*	*	PUNCT
fsr-3433	878	6	*	*	PUNCT
fsr-3433	878	7	�	�	PROPN
fsr-3433	878	8	0	0	NUM
fsr-3433	878	9	.0	.0	NUM
fsr-3433	878	10	4	4	NUM
fsr-3433	878	11	9	9	NUM
fsr-3433	878	12	*	*	PUNCT
fsr-3433	878	13	*	*	PUNCT
fsr-3433	879	1	*	*	PUNCT
fsr-3433	879	2	0	0	NUM
fsr-3433	879	3	.7	.7	NUM
fsr-3433	879	4	1	1	NUM
fsr-3433	879	5	8	8	NUM
fsr-3433	879	6	*	*	PUNCT
fsr-3433	880	1	*	*	PUNCT
fsr-3433	880	2	*	*	PUNCT
fsr-3433	880	3	(	(	PUNCT
fsr-3433	880	4	0	0	NUM
fsr-3433	880	5	.0	.0	NUM
fsr-3433	880	6	1	1	NUM
fsr-3433	880	7	4	4	NUM
fsr-3433	880	8	)	)	PUNCT
fsr-3433	880	9	0	0	NUM
fsr-3433	881	1	.6	.6	NUM
fsr-3433	881	2	0	0	NUM
fsr-3433	881	3	5	5	NUM
fsr-3433	881	4	*	*	PUNCT
fsr-3433	881	5	*	*	PUNCT
fsr-3433	882	1	*	*	PUNCT
fsr-3433	882	2	f	f	X
fsr-3433	882	3	in	in	ADP
fsr-3433	882	4	an	an	DET
fsr-3433	882	5	ci	ci	PROPN
fsr-3433	882	6	al	al	PROPN
fsr-3433	882	7	sa	sa	PROPN
fsr-3433	882	8	ti	ti	PROPN
fsr-3433	882	9	sf	sf	INTJ
fsr-3433	882	10	ac	ac	PROPN
fsr-3433	882	11	ti	ti	PROPN
fsr-3433	882	12	o	o	PROPN
fsr-3433	882	13	n	n	X
fsr-3433	882	14	�	�	PROPN
fsr-3433	882	15	0	0	NUM
fsr-3433	882	16	.0	.0	NUM
fsr-3433	882	17	5	5	NUM
fsr-3433	882	18	0	0	NUM
fsr-3433	883	1	*	*	PUNCT
fsr-3433	884	1	*	*	PUNCT
fsr-3433	885	1	*	*	PUNCT
fsr-3433	885	2	0	0	NUM
fsr-3433	886	1	.7	.7	NUM
fsr-3433	886	2	1	1	NUM
fsr-3433	886	3	2	2	NUM
fsr-3433	886	4	*	*	PUNCT
fsr-3433	887	1	*	*	PUNCT
fsr-3433	887	2	*	*	PUNCT
fsr-3433	887	3	(	(	PUNCT
fsr-3433	887	4	0	0	NUM
fsr-3433	887	5	.0	.0	NUM
fsr-3433	887	6	1	1	NUM
fsr-3433	887	7	2	2	NUM
fsr-3433	887	8	)	)	PUNCT
fsr-3433	887	9	0	0	NUM
fsr-3433	888	1	.5	.5	NUM
fsr-3433	888	2	2	2	NUM
fsr-3433	888	3	7	7	NUM
fsr-3433	888	4	*	*	PUNCT
fsr-3433	888	5	*	*	PUNCT
fsr-3433	888	6	*	*	PUNCT
fsr-3433	888	7	�	�	PROPN
fsr-3433	888	8	0	0	NUM
fsr-3433	888	9	.0	.0	NUM
fsr-3433	888	10	5	5	NUM
fsr-3433	888	11	0	0	NUM
fsr-3433	889	1	*	*	PUNCT
fsr-3433	890	1	*	*	PUNCT
fsr-3433	891	1	*	*	PUNCT
fsr-3433	891	2	0	0	NUM
fsr-3433	892	1	.7	.7	NUM
fsr-3433	892	2	1	1	NUM
fsr-3433	892	3	1	1	NUM
fsr-3433	892	4	*	*	PUNCT
fsr-3433	893	1	*	*	PUNCT
fsr-3433	893	2	*	*	PUNCT
fsr-3433	893	3	(	(	PUNCT
fsr-3433	893	4	0	0	NUM
fsr-3433	893	5	.0	.0	NUM
fsr-3433	893	6	1	1	NUM
fsr-3433	893	7	2	2	NUM
fsr-3433	893	8	)	)	PUNCT
fsr-3433	893	9	0	0	NUM
fsr-3433	894	1	.5	.5	NUM
fsr-3433	894	2	2	2	NUM
fsr-3433	894	3	6	6	NUM
fsr-3433	894	4	*	*	PUNCT
fsr-3433	895	1	*	*	PUNCT
fsr-3433	895	2	*	*	PUNCT
fsr-3433	895	3	f	f	X
fsr-3433	895	4	em	em	PROPN
fsr-3433	895	5	al	al	PROPN
fsr-3433	895	6	e	e	PROPN
fsr-3433	895	7	0	0	NUM
fsr-3433	895	8	.0	.0	NUM
fsr-3433	895	9	1	1	NUM
fsr-3433	895	10	4	4	NUM
fsr-3433	895	11	1	1	NUM
fsr-3433	895	12	.0	.0	NUM
fsr-3433	895	13	9	9	NUM
fsr-3433	895	14	7	7	NUM
fsr-3433	895	15	(	(	PUNCT
fsr-3433	895	16	0	0	NUM
fsr-3433	895	17	.0	.0	NUM
fsr-3433	895	18	6	6	NUM
fsr-3433	895	19	6	6	NUM
fsr-3433	895	20	)	)	PUNCT
fsr-3433	895	21	1	1	NUM
fsr-3433	895	22	.0	.0	NUM
fsr-3433	895	23	4	4	NUM
fsr-3433	895	24	7	7	NUM
fsr-3433	895	25	0	0	NUM
fsr-3433	895	26	.0	.0	NUM
fsr-3433	895	27	1	1	NUM
fsr-3433	895	28	1	1	NUM
fsr-3433	895	29	1	1	NUM
fsr-3433	895	30	.0	.0	NUM
fsr-3433	895	31	7	7	NUM
fsr-3433	895	32	8	8	NUM
fsr-3433	895	33	(	(	PUNCT
fsr-3433	895	34	0	0	NUM
fsr-3433	895	35	.0	.0	NUM
fsr-3433	895	36	6	6	NUM
fsr-3433	895	37	5	5	NUM
fsr-3433	895	38	)	)	PUNCT
fsr-3433	895	39	1	1	NUM
fsr-3433	895	40	.0	.0	NUM
fsr-3433	895	41	3	3	NUM
fsr-3433	895	42	8	8	NUM
fsr-3433	895	43	a	a	DET
fsr-3433	895	44	g	g	NOUN
fsr-3433	895	45	e	e	NOUN
fsr-3433	895	46	0	0	SYM
fsr-3433	895	47	.0	.0	NUM
fsr-3433	895	48	1	1	NUM
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fsr-3433	895	50	*	*	PUNCT
fsr-3433	896	1	*	*	PUNCT
fsr-3433	896	2	*	*	PUNCT
fsr-3433	896	3	1	1	NUM
fsr-3433	896	4	.0	.0	NUM
fsr-3433	896	5	8	8	NUM
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fsr-3433	896	7	*	*	PUNCT
fsr-3433	897	1	*	*	PUNCT
fsr-3433	897	2	*	*	PUNCT
fsr-3433	897	3	(	(	PUNCT
fsr-3433	897	4	0	0	NUM
fsr-3433	897	5	.0	.0	NUM
fsr-3433	897	6	1	1	NUM
fsr-3433	897	7	5	5	NUM
fsr-3433	897	8	)	)	PUNCT
fsr-3433	897	9	3	3	NUM
fsr-3433	897	10	.9	.9	NUM
fsr-3433	897	11	5	5	NUM
fsr-3433	897	12	7	7	NUM
fsr-3433	897	13	*	*	PUNCT
fsr-3433	898	1	*	*	PUNCT
fsr-3433	898	2	*	*	PUNCT
fsr-3433	898	3	0	0	NUM
fsr-3433	899	1	.0	.0	NUM
fsr-3433	899	2	1	1	NUM
fsr-3433	899	3	3	3	NUM
fsr-3433	899	4	*	*	PUNCT
fsr-3433	900	1	*	*	PUNCT
fsr-3433	900	2	*	*	PUNCT
fsr-3433	900	3	1	1	NUM
fsr-3433	900	4	.0	.0	NUM
fsr-3433	900	5	9	9	NUM
fsr-3433	900	6	2	2	NUM
fsr-3433	900	7	*	*	PUNCT
fsr-3433	901	1	*	*	PUNCT
fsr-3433	901	2	*	*	PUNCT
fsr-3433	901	3	(	(	PUNCT
fsr-3433	901	4	0	0	NUM
fsr-3433	901	5	.0	.0	NUM
fsr-3433	901	6	1	1	NUM
fsr-3433	901	7	5	5	NUM
fsr-3433	901	8	)	)	PUNCT
fsr-3433	901	9	4	4	NUM
fsr-3433	901	10	.1	.1	NUM
fsr-3433	901	11	7	7	NUM
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fsr-3433	901	13	*	*	PUNCT
fsr-3433	902	1	*	*	PUNCT
fsr-3433	902	2	*	*	PUNCT
fsr-3433	902	3	a	a	DET
fsr-3433	902	4	g	g	PROPN
fsr-3433	902	5	esq	esq	PROPN
fsr-3433	902	6	u	u	PROPN
fsr-3433	902	7	ar	ar	PROPN
fsr-3433	902	8	ed	ed	PROPN
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fsr-3433	902	10	0	0	NUM
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fsr-3433	902	14	1	1	NUM
fsr-3433	902	15	*	*	PUNCT
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fsr-3433	904	1	*	*	PUNCT
fsr-3433	904	2	0	0	NUM
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fsr-3433	904	6	*	*	PUNCT
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fsr-3433	905	2	*	*	PUNCT
fsr-3433	905	3	(	(	PUNCT
fsr-3433	905	4	0	0	NUM
fsr-3433	905	5	.0	.0	NUM
fsr-3433	905	6	0	0	NUM
fsr-3433	905	7	0	0	NUM
fsr-3433	905	8	)	)	PUNCT
fsr-3433	905	9	0	0	NUM
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fsr-3433	907	1	*	*	PUNCT
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fsr-3433	907	4	�	�	PROPN
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fsr-3433	907	9	1	1	NUM
fsr-3433	907	10	*	*	PUNCT
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fsr-3433	909	1	*	*	PUNCT
fsr-3433	909	2	0	0	NUM
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fsr-3433	909	5	9	9	NUM
fsr-3433	909	6	*	*	PUNCT
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fsr-3433	910	3	(	(	PUNCT
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fsr-3433	910	6	0	0	NUM
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fsr-3433	910	8	)	)	PUNCT
fsr-3433	910	9	0	0	NUM
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fsr-3433	911	4	*	*	PUNCT
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fsr-3433	912	3	in	in	ADP
fsr-3433	912	4	co	co	NOUN
fsr-3433	912	5	m	m	PROPN
fsr-3433	912	6	e	e	X
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fsr-3433	912	23	0	0	NUM
fsr-3433	912	24	)	)	PUNCT
fsr-3433	912	25	1	1	NUM
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fsr-3433	912	27	6	6	NUM
fsr-3433	912	28	8	8	NUM
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fsr-3433	912	30	.0	.0	NUM
fsr-3433	912	31	0	0	NUM
fsr-3433	912	32	0	0	NUM
fsr-3433	912	33	0	0	NUM
fsr-3433	912	34	0	0	NUM
fsr-3433	912	35	0	0	NUM
fsr-3433	912	36	2	2	NUM
fsr-3433	912	37	1	1	NUM
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fsr-3433	912	41	(	(	PUNCT
fsr-3433	912	42	0	0	NUM
fsr-3433	912	43	.0	.0	NUM
fsr-3433	912	44	0	0	NUM
fsr-3433	912	45	0	0	NUM
fsr-3433	912	46	)	)	PUNCT
fsr-3433	912	47	1	1	NUM
fsr-3433	912	48	.0	.0	NUM
fsr-3433	912	49	8	8	NUM
fsr-3433	912	50	5	5	NUM
fsr-3433	912	51	a	a	DET
fsr-3433	912	52	g	g	NOUN
fsr-3433	912	53	e	e	X
fsr-3433	912	54	*	*	PUNCT
fsr-3433	912	55	in	in	ADP
fsr-3433	912	56	co	co	NOUN
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fsr-3433	912	58	e	e	PROPN
fsr-3433	912	59	�	�	PROPN
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fsr-3433	912	62	0	0	NUM
fsr-3433	912	63	0	0	NUM
fsr-3433	912	64	0	0	NUM
fsr-3433	912	65	0	0	NUM
fsr-3433	912	66	0	0	NUM
fsr-3433	912	67	0	0	NUM
fsr-3433	912	68	1	1	NUM
fsr-3433	912	69	1	1	NUM
fsr-3433	912	70	.0	.0	NUM
fsr-3433	912	71	0	0	NUM
fsr-3433	912	72	0	0	NUM
fsr-3433	912	73	(	(	PUNCT
fsr-3433	912	74	0	0	NUM
fsr-3433	912	75	.0	.0	NUM
fsr-3433	912	76	0	0	NUM
fsr-3433	912	77	0	0	NUM
fsr-3433	912	78	)	)	PUNCT
fsr-3433	912	79	0	0	NUM
fsr-3433	913	1	.7	.7	NUM
fsr-3433	913	2	6	6	NUM
fsr-3433	913	3	5	5	NUM
fsr-3433	913	4	�	�	PROPN
fsr-3433	913	5	0	0	NUM
fsr-3433	913	6	.0	.0	NUM
fsr-3433	913	7	0	0	NUM
fsr-3433	913	8	0	0	NUM
fsr-3433	913	9	0	0	NUM
fsr-3433	913	10	0	0	NUM
fsr-3433	913	11	0	0	NUM
fsr-3433	913	12	0	0	NUM
fsr-3433	913	13	1	1	NUM
fsr-3433	913	14	1	1	NUM
fsr-3433	913	15	.0	.0	NUM
fsr-3433	913	16	0	0	NUM
fsr-3433	913	17	0	0	NUM
fsr-3433	913	18	(	(	PUNCT
fsr-3433	913	19	0	0	NUM
fsr-3433	913	20	.0	.0	NUM
fsr-3433	913	21	0	0	NUM
fsr-3433	913	22	0	0	NUM
fsr-3433	913	23	)	)	PUNCT
fsr-3433	913	24	0	0	NUM
fsr-3433	914	1	.7	.7	NUM
fsr-3433	914	2	5	5	NUM
fsr-3433	914	3	3	3	NUM
fsr-3433	914	4	e	e	NOUN
fsr-3433	914	5	m	m	PROPN
fsr-3433	914	6	p	p	PROPN
fsr-3433	915	1	lo	lo	PROPN
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fsr-3433	915	3	ed	ed	NOUN
fsr-3433	915	4	0	0	NUM
fsr-3433	915	5	.0	.0	NUM
fsr-3433	915	6	7	7	NUM
fsr-3433	915	7	9	9	NUM
fsr-3433	915	8	*	*	PUNCT
fsr-3433	916	1	*	*	PUNCT
fsr-3433	916	2	*	*	PUNCT
fsr-3433	916	3	1	1	NUM
fsr-3433	916	4	.7	.7	NUM
fsr-3433	916	5	0	0	NUM
fsr-3433	916	6	9	9	NUM
fsr-3433	916	7	*	*	PUNCT
fsr-3433	917	1	*	*	PUNCT
fsr-3433	917	2	*	*	PUNCT
fsr-3433	917	3	(	(	PUNCT
fsr-3433	917	4	0	0	NUM
fsr-3433	917	5	.1	.1	NUM
fsr-3433	917	6	4	4	NUM
fsr-3433	917	7	8	8	NUM
fsr-3433	917	8	)	)	PUNCT
fsr-3433	917	9	1	1	NUM
fsr-3433	917	10	.2	.2	NUM
fsr-3433	917	11	7	7	NUM
fsr-3433	917	12	8	8	NUM
fsr-3433	917	13	*	*	PUNCT
fsr-3433	918	1	*	*	PUNCT
fsr-3433	918	2	*	*	PUNCT
fsr-3433	918	3	0	0	NUM
fsr-3433	919	1	.0	.0	NUM
fsr-3433	919	2	7	7	NUM
fsr-3433	919	3	8	8	NUM
fsr-3433	919	4	*	*	PUNCT
fsr-3433	920	1	*	*	PUNCT
fsr-3433	920	2	*	*	PUNCT
fsr-3433	920	3	1	1	NUM
fsr-3433	920	4	.7	.7	NUM
fsr-3433	920	5	0	0	NUM
fsr-3433	920	6	1	1	NUM
fsr-3433	920	7	*	*	PUNCT
fsr-3433	921	1	*	*	PUNCT
fsr-3433	921	2	*	*	PUNCT
fsr-3433	921	3	(	(	PUNCT
fsr-3433	921	4	0	0	NUM
fsr-3433	921	5	.1	.1	NUM
fsr-3433	921	6	4	4	NUM
fsr-3433	921	7	8	8	NUM
fsr-3433	921	8	)	)	PUNCT
fsr-3433	921	9	1	1	NUM
fsr-3433	921	10	.2	.2	NUM
fsr-3433	921	11	7	7	NUM
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fsr-3433	921	13	*	*	PUNCT
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fsr-3433	921	15	*	*	PUNCT
fsr-3433	921	16	m	m	PROPN
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fsr-3433	921	19	ed	ed	PROPN
fsr-3433	921	20	�	�	PROPN
fsr-3433	921	21	0	0	NUM
fsr-3433	921	22	.0	.0	NUM
fsr-3433	921	23	3	3	NUM
fsr-3433	921	24	3	3	NUM
fsr-3433	921	25	*	*	PUNCT
fsr-3433	922	1	*	*	PUNCT
fsr-3433	922	2	*	*	PUNCT
fsr-3433	922	3	0	0	NUM
fsr-3433	922	4	.8	.8	NUM
fsr-3433	922	5	0	0	NUM
fsr-3433	922	6	0	0	NUM
fsr-3433	923	1	*	*	PUNCT
fsr-3433	923	2	*	*	PUNCT
fsr-3433	923	3	(	(	PUNCT
fsr-3433	923	4	0	0	NUM
fsr-3433	923	5	.0	.0	NUM
fsr-3433	923	6	4	4	NUM
fsr-3433	923	7	8	8	NUM
fsr-3433	923	8	)	)	PUNCT
fsr-3433	923	9	0	0	NUM
fsr-3433	924	1	.8	.8	NUM
fsr-3433	924	2	9	9	NUM
fsr-3433	924	3	7	7	NUM
fsr-3433	924	4	*	*	PUNCT
fsr-3433	924	5	*	*	PUNCT
fsr-3433	924	6	*	*	PUNCT
fsr-3433	924	7	�	�	PROPN
fsr-3433	924	8	0	0	NUM
fsr-3433	924	9	.0	.0	NUM
fsr-3433	924	10	3	3	NUM
fsr-3433	924	11	2	2	NUM
fsr-3433	924	12	*	*	PUNCT
fsr-3433	925	1	*	*	PUNCT
fsr-3433	926	1	*	*	PUNCT
fsr-3433	926	2	0	0	NUM
fsr-3433	926	3	.8	.8	NUM
fsr-3433	926	4	0	0	NUM
fsr-3433	926	5	5	5	NUM
fsr-3433	927	1	*	*	PUNCT
fsr-3433	927	2	*	*	PUNCT
fsr-3433	927	3	*	*	PUNCT
fsr-3433	927	4	(	(	PUNCT
fsr-3433	927	5	0	0	NUM
fsr-3433	927	6	.0	.0	NUM
fsr-3433	927	7	4	4	NUM
fsr-3433	927	8	8	8	NUM
fsr-3433	927	9	)	)	PUNCT
fsr-3433	927	10	0	0	NUM
fsr-3433	928	1	.9	.9	NUM
fsr-3433	928	2	0	0	NUM
fsr-3433	928	3	0	0	NUM
fsr-3433	929	1	*	*	PUNCT
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fsr-3433	930	3	m	m	VERB
fsr-3433	930	4	in	in	ADP
fsr-3433	930	5	i	i	PRON
fsr-3433	930	6	m	m	VERB
fsr-3433	930	7	u	u	NOUN
fsr-3433	930	8	m	m	PROPN
fsr-3433	930	9	b	b	PROPN
fsr-3433	931	1	ac	ac	PROPN
fsr-3433	931	2	h	h	PROPN
fsr-3433	932	1	el	el	PROPN
fsr-3433	932	2	o	o	NOUN
fsr-3433	932	3	r	r	NOUN
fsr-3433	932	4	d	d	X
fsr-3433	932	5	eg	eg	X
fsr-3433	932	6	re	re	X
fsr-3433	932	7	e	e	PROPN
fsr-3433	932	8	�	�	PROPN
fsr-3433	932	9	0	0	NUM
fsr-3433	932	10	.0	.0	NUM
fsr-3433	932	11	8	8	NUM
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fsr-3433	933	1	*	*	PUNCT
fsr-3433	934	1	*	*	PUNCT
fsr-3433	935	1	*	*	PUNCT
fsr-3433	935	2	0	0	NUM
fsr-3433	936	1	.5	.5	NUM
fsr-3433	936	2	6	6	NUM
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fsr-3433	936	4	*	*	PUNCT
fsr-3433	937	1	*	*	PUNCT
fsr-3433	937	2	*	*	PUNCT
fsr-3433	937	3	(	(	PUNCT
fsr-3433	937	4	0	0	NUM
fsr-3433	937	5	.0	.0	NUM
fsr-3433	937	6	3	3	NUM
fsr-3433	937	7	6	6	NUM
fsr-3433	937	8	)	)	PUNCT
fsr-3433	937	9	0	0	NUM
fsr-3433	938	1	.7	.7	NUM
fsr-3433	938	2	6	6	NUM
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fsr-3433	938	4	*	*	PUNCT
fsr-3433	939	1	*	*	PUNCT
fsr-3433	939	2	*	*	PUNCT
fsr-3433	939	3	�	�	PROPN
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fsr-3433	939	5	.0	.0	NUM
fsr-3433	939	6	8	8	NUM
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fsr-3433	939	8	*	*	PUNCT
fsr-3433	940	1	*	*	PUNCT
fsr-3433	941	1	*	*	PUNCT
fsr-3433	941	2	0	0	NUM
fsr-3433	942	1	.5	.5	NUM
fsr-3433	942	2	6	6	NUM
fsr-3433	942	3	5	5	NUM
fsr-3433	942	4	*	*	PUNCT
fsr-3433	943	1	*	*	PUNCT
fsr-3433	943	2	*	*	PUNCT
fsr-3433	943	3	(	(	PUNCT
fsr-3433	943	4	0	0	NUM
fsr-3433	943	5	.0	.0	NUM
fsr-3433	943	6	3	3	NUM
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fsr-3433	943	8	)	)	PUNCT
fsr-3433	943	9	0	0	NUM
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fsr-3433	944	4	*	*	PUNCT
fsr-3433	945	1	*	*	PUNCT
fsr-3433	946	1	*	*	PUNCT
fsr-3433	946	2	c	c	X
fsr-3433	946	3	o	o	X
fsr-3433	946	4	n	n	PRON
fsr-3433	946	5	st	st	PROPN
fsr-3433	946	6	an	an	DET
fsr-3433	946	7	t	t	PROPN
fsr-3433	946	8	4	4	NUM
fsr-3433	946	9	.8	.8	PROPN
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fsr-3433	946	12	*	*	PUNCT
fsr-3433	947	1	*	*	PUNCT
fsr-3433	947	2	*	*	PUNCT
fsr-3433	947	3	(	(	PUNCT
fsr-3433	947	4	1	1	NUM
fsr-3433	947	5	.6	.6	NUM
fsr-3433	947	6	8	8	NUM
fsr-3433	947	7	5	5	NUM
fsr-3433	947	8	)	)	PUNCT
fsr-3433	947	9	4	4	NUM
fsr-3433	947	10	.8	.8	NUM
fsr-3433	947	11	8	8	NUM
fsr-3433	947	12	3	3	NUM
fsr-3433	947	13	*	*	PUNCT
fsr-3433	948	1	*	*	PUNCT
fsr-3433	948	2	*	*	PUNCT
fsr-3433	948	3	(	(	PUNCT
fsr-3433	948	4	1	1	NUM
fsr-3433	948	5	.7	.7	NUM
fsr-3433	948	6	2	2	NUM
fsr-3433	948	7	5	5	NUM
fsr-3433	948	8	)	)	PUNCT
fsr-3433	948	9	n	n	PRON
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fsr-3433	948	11	,	,	PUNCT
fsr-3433	948	12	5	5	NUM
fsr-3433	948	13	4	4	NUM
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fsr-3433	948	16	,	,	PUNCT
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fsr-3433	948	20	p	p	NOUN
fsr-3433	948	21	se	se	X
fsr-3433	948	22	u	u	PROPN
fsr-3433	949	1	d	d	X
fsr-3433	949	2	o	o	NOUN
fsr-3433	949	3	r	r	NOUN
fsr-3433	949	4	2	2	NUM
fsr-3433	949	5	0	0	NUM
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fsr-3433	949	8	1	1	NUM
fsr-3433	949	9	0	0	NUM
fsr-3433	949	10	.1	.1	NUM
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fsr-3433	949	12	3	3	NUM
fsr-3433	949	13	x	x	SYM
fsr-3433	949	14	2	2	NUM
fsr-3433	949	15	v	v	NOUN
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fsr-3433	949	18	e	e	PROPN
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fsr-3433	949	25	*	*	PUNCT
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fsr-3433	950	3	1	1	NUM
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fsr-3433	950	5	5	5	NUM
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fsr-3433	951	3	p	p	NOUN
fsr-3433	951	4	ea	ea	INTJ
fsr-3433	951	5	rs	rs	NOUN
fsr-3433	951	6	o	o	PROPN
fsr-3433	952	1	n	n	CCONJ
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fsr-3433	952	3	2	2	NUM
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fsr-3433	952	5	3	3	NUM
fsr-3433	952	6	7	7	NUM
fsr-3433	952	7	7	7	NUM
fsr-3433	952	8	.9	.9	NUM
fsr-3433	952	9	2	2	NUM
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fsr-3433	952	12	1	1	NUM
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fsr-3433	952	16	*	*	PUNCT
fsr-3433	953	1	*	*	PUNCT
fsr-3433	953	2	*	*	PUNCT
fsr-3433	953	3	p	p	X
fsr-3433	953	4	<	<	X
fsr-3433	953	5	.0	.0	NUM
fsr-3433	953	6	0	0	NUM
fsr-3433	953	7	1	1	NUM
fsr-3433	953	8	,	,	PUNCT
fsr-3433	953	9	*	*	PUNCT
fsr-3433	953	10	*	*	PUNCT
fsr-3433	954	1	p	p	X
fsr-3433	954	2	<	<	X
fsr-3433	954	3	.0	.0	NUM
fsr-3433	954	4	1	1	NUM
fsr-3433	954	5	,	,	PUNCT
fsr-3433	954	6	*	*	PUNCT
fsr-3433	954	7	p	p	X
fsr-3433	954	8	<	<	X
fsr-3433	954	9	.0	.0	NUM
fsr-3433	954	10	5	5	NUM
fsr-3433	954	11	.	.	PUNCT
fsr-3433	955	1	a	a	DET
fsr-3433	955	2	m	m	NOUN
fsr-3433	955	3	e	e	NOUN
fsr-3433	955	4	=	=	SYM
fsr-3433	955	5	av	av	PROPN
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fsr-3433	955	7	ag	ag	PROPN
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fsr-3433	955	11	g	g	PROPN
fsr-3433	955	12	in	in	ADP
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fsr-3433	955	15	fe	fe	X
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fsr-3433	955	18	;	;	PUNCT
fsr-3433	956	1	o	o	NOUN
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fsr-3433	956	3	=	=	PUNCT
fsr-3433	956	4	o	o	PUNCT
fsr-3433	957	1	d	d	X
fsr-3433	957	2	d	d	X
fsr-3433	957	3	s	s	VERB
fsr-3433	957	4	ra	ra	INTJ
fsr-3433	957	5	ti	ti	NOUN
fsr-3433	957	6	o	o	NOUN
fsr-3433	957	7	;	;	PUNCT
fsr-3433	957	8	s	s	VERB
fsr-3433	957	9	o	o	NOUN
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fsr-3433	957	11	=	=	SYM
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fsr-3433	959	1	d	d	NOUN
fsr-3433	960	1	iz	iz	INTJ
fsr-3433	961	1	ed	ed	NOUN
fsr-3433	962	1	o	o	NOUN
fsr-3433	963	1	d	d	X
fsr-3433	963	2	d	d	X
fsr-3433	963	3	s	s	VERB
fsr-3433	963	4	ra	ra	NOUN
fsr-3433	963	5	ti	ti	NOUN
fsr-3433	963	6	o	o	NOUN
fsr-3433	963	7	.	.	PUNCT
fsr-3433	964	1	s	s	VERB
fsr-3433	964	2	ta	ta	PROPN
fsr-3433	964	3	n	n	PROPN
fsr-3433	964	4	d	d	PROPN
fsr-3433	964	5	ar	ar	PROPN
fsr-3433	965	1	d	d	PROPN
fsr-3433	965	2	er	er	INTJ
fsr-3433	965	3	ro	ro	INTJ
fsr-3433	965	4	rs	rs	NOUN
fsr-3433	965	5	in	in	ADP
fsr-3433	965	6	p	p	PROPN
fsr-3433	965	7	ar	ar	PROPN
fsr-3433	965	8	en	en	X
fsr-3433	965	9	th	th	X
fsr-3433	965	10	es	es	X
fsr-3433	965	11	es	es	X
fsr-3433	965	12	.	.	PUNCT
fsr-3433	966	1	298	298	NUM
fsr-3433	966	2	m.	m.	NOUN
fsr-3433	966	3	s.	s.	PROPN
fsr-3433	966	4	tahir	tahir	PROPN
fsr-3433	966	5	et	et	PROPN
fsr-3433	966	6	al	al	PROPN
fsr-3433	966	7	.	.	PUNCT
fsr-3433	966	8	/	/	SYM
fsr-3433	966	9	financial	financial	ADJ
fsr-3433	966	10	services	service	NOUN
fsr-3433	966	11	review	review	VERB
fsr-3433	966	12	28	28	NUM
fsr-3433	966	13	(	(	PUNCT
fsr-3433	966	14	2020	2020	NUM
fsr-3433	966	15	)	)	PUNCT
fsr-3433	967	1	273–301	273–301	NUM
fsr-3433	967	2	references	reference	NOUN
fsr-3433	967	3	abs	ab	NOUN
fsr-3433	967	4	.	.	PUNCT
fsr-3433	968	1	(	(	PUNCT
fsr-3433	968	2	2017a	2017a	NUM
fsr-3433	968	3	)	)	PUNCT
fsr-3433	968	4	.	.	PUNCT
fsr-3433	969	1	household	household	NOUN
fsr-3433	969	2	income	income	NOUN
fsr-3433	969	3	and	and	CCONJ
fsr-3433	969	4	wealth	wealth	NOUN
fsr-3433	969	5	,	,	PUNCT
fsr-3433	969	6	australia	australia	PROPN
fsr-3433	969	7	,	,	PUNCT
fsr-3433	969	8	2015	2015	NUM
fsr-3433	969	9	-	-	SYM
fsr-3433	969	10	16	16	NUM
fsr-3433	969	11	:	:	PUNCT
fsr-3433	969	12	changes	change	NOUN
fsr-3433	969	13	in	in	ADP
fsr-3433	969	14	wealth	wealth	NOUN
fsr-3433	969	15	over	over	ADP
fsr-3433	969	16	time	time	NOUN
fsr-3433	969	17	.	.	PUNCT
fsr-3433	970	1	available	available	ADJ
fsr-3433	970	2	at	at	ADP
fsr-3433	970	3	https://www.abs.gov.au/ausstats/abs@.nsf/lookup/by%20subject/6523.0;2015-16;main%20features;changes	https://www.abs.gov.au/ausstats/abs@.nsf/lookup/by%20subject/6523.0;2015-16;main%20features;change	NOUN
fsr-3433	970	4	%	%	INTJ
fsr-3433	970	5	20in%20wealth%20over%20time;11	20in%20wealth%20over%20time;11	NUM
fsr-3433	970	6	abs	ab	NOUN
fsr-3433	970	7	.	.	PUNCT
fsr-3433	971	1	(	(	PUNCT
fsr-3433	971	2	2017b	2017b	NUM
fsr-3433	971	3	)	)	PUNCT
fsr-3433	971	4	.	.	PUNCT
fsr-3433	972	1	household	household	NOUN
fsr-3433	972	2	income	income	NOUN
fsr-3433	972	3	and	and	CCONJ
fsr-3433	972	4	wealth	wealth	NOUN
fsr-3433	972	5	,	,	PUNCT
fsr-3433	972	6	australia	australia	PROPN
fsr-3433	972	7	,	,	PUNCT
fsr-3433	972	8	2015	2015	NUM
fsr-3433	972	9	-	-	SYM
fsr-3433	972	10	16	16	NUM
fsr-3433	972	11	:	:	PUNCT
fsr-3433	972	12	household	household	NOUN
fsr-3433	972	13	debt	debt	NOUN
fsr-3433	972	14	and	and	CCONJ
fsr-3433	972	15	over	over	ADP
fsr-3433	972	16	-	-	PUNCT
fsr-3433	972	17	indebtedness	indebtedness	NOUN
fsr-3433	972	18	in	in	ADP
fsr-3433	972	19	australia	australia	PROPN
fsr-3433	972	20	.	.	PUNCT
fsr-3433	973	1	available	available	ADJ
fsr-3433	973	2	at	at	ADP
fsr-3433	973	3	http://www.abs.gov.au/ausstats/abs@.nsf/lookup/by%20subject/6523.0;201516;feature%20article;household%20debt%20and%20over-indebtedness%20(feature%20article);101	http://www.abs.gov.au/ausstats/abs@.nsf/lookup/by%20subject/6523.0;201516;feature%20article;household%20debt%20and%20over-indebtedness%20(feature%20article);101	PROPN
fsr-3433	973	4	alhenawi	alhenawi	NOUN
fsr-3433	973	5	,	,	PUNCT
fsr-3433	973	6	y.	y.	PROPN
fsr-3433	973	7	,	,	PUNCT
fsr-3433	973	8	&	&	CCONJ
fsr-3433	973	9	elkhal	elkhal	PROPN
fsr-3433	973	10	,	,	PUNCT
fsr-3433	973	11	k.	k.	PROPN
fsr-3433	973	12	(	(	PUNCT
fsr-3433	973	13	2013	2013	NUM
fsr-3433	973	14	)	)	PUNCT
fsr-3433	973	15	.	.	PUNCT
fsr-3433	974	1	financial	financial	ADJ
fsr-3433	974	2	literacy	literacy	NOUN
fsr-3433	974	3	of	of	ADP
fsr-3433	974	4	u.s	u.s	PROPN
fsr-3433	974	5	.	.	PROPN
fsr-3433	974	6	households	household	NOUN
fsr-3433	974	7	:	:	PUNCT
fsr-3433	974	8	knowledge	knowledge	NOUN
fsr-3433	974	9	vs.	vs.	ADP
fsr-3433	974	10	long	long	ADJ
fsr-3433	974	11	-	-	PUNCT
fsr-3433	974	12	term	term	NOUN
fsr-3433	974	13	financial	financial	ADJ
fsr-3433	974	14	planning	planning	NOUN
fsr-3433	974	15	.	.	PUNCT
fsr-3433	975	1	financial	financial	ADJ
fsr-3433	975	2	services	service	NOUN
fsr-3433	975	3	review	review	PROPN
fsr-3433	975	4	,	,	PUNCT
fsr-3433	975	5	22	22	NUM
fsr-3433	975	6	,	,	PUNCT
fsr-3433	975	7	211–244	211–244	NUM
fsr-3433	975	8	.	.	PUNCT
fsr-3433	976	1	ali	ali	PROPN
fsr-3433	976	2	,	,	PUNCT
fsr-3433	976	3	a.	a.	PROPN
fsr-3433	976	4	,	,	PUNCT
fsr-3433	976	5	rahman	rahman	PROPN
fsr-3433	976	6	,	,	PUNCT
fsr-3433	976	7	m.	m.	NOUN
fsr-3433	976	8	s.	s.	PROPN
fsr-3433	976	9	a.	a.	PROPN
fsr-3433	976	10	,	,	PUNCT
fsr-3433	976	11	&	&	CCONJ
fsr-3433	976	12	bakar	bakar	PROPN
fsr-3433	976	13	,	,	PUNCT
fsr-3433	976	14	a.	a.	NOUN
fsr-3433	976	15	(	(	PUNCT
fsr-3433	976	16	2015	2015	NUM
fsr-3433	976	17	)	)	PUNCT
fsr-3433	976	18	.	.	PUNCT
fsr-3433	977	1	financial	financial	ADJ
fsr-3433	977	2	satisfaction	satisfaction	NOUN
fsr-3433	977	3	and	and	CCONJ
fsr-3433	977	4	the	the	DET
fsr-3433	977	5	influence	influence	NOUN
fsr-3433	977	6	of	of	ADP
fsr-3433	977	7	financial	financial	ADJ
fsr-3433	977	8	literacy	literacy	NOUN
fsr-3433	977	9	in	in	ADP
fsr-3433	977	10	malaysia	malaysia	PROPN
fsr-3433	977	11	.	.	PUNCT
fsr-3433	978	1	social	social	ADJ
fsr-3433	978	2	indicators	indicator	NOUN
fsr-3433	978	3	research	research	VERB
fsr-3433	978	4	,	,	PUNCT
fsr-3433	978	5	120	120	NUM
fsr-3433	978	6	,	,	PUNCT
fsr-3433	978	7	137–156	137–156	NUM
fsr-3433	978	8	.	.	PUNCT
fsr-3433	978	9	ali	ali	PROPN
fsr-3433	978	10	,	,	PUNCT
fsr-3433	978	11	p.	p.	PROPN
fsr-3433	978	12	,	,	PUNCT
fsr-3433	978	13	anderson	anderson	PROPN
fsr-3433	978	14	,	,	PUNCT
fsr-3433	978	15	m.	m.	NOUN
fsr-3433	978	16	,	,	PUNCT
fsr-3433	978	17	mcrae	mcrae	PROPN
fsr-3433	978	18	,	,	PUNCT
fsr-3433	978	19	c.	c.	PROPN
fsr-3433	978	20	,	,	PUNCT
fsr-3433	978	21	&	&	CCONJ
fsr-3433	978	22	ramsay	ramsay	PROPN
fsr-3433	978	23	,	,	PUNCT
fsr-3433	978	24	i.	i.	PROPN
fsr-3433	978	25	(	(	PUNCT
fsr-3433	978	26	2014	2014	NUM
fsr-3433	978	27	)	)	PUNCT
fsr-3433	978	28	.	.	PUNCT
fsr-3433	979	1	the	the	DET
fsr-3433	979	2	financial	financial	ADJ
fsr-3433	979	3	literacy	literacy	NOUN
fsr-3433	979	4	of	of	ADP
fsr-3433	979	5	young	young	ADJ
fsr-3433	979	6	australians	australian	NOUN
fsr-3433	979	7	:	:	PUNCT
fsr-3433	979	8	an	an	DET
fsr-3433	979	9	empirical	empirical	ADJ
fsr-3433	979	10	study	study	NOUN
fsr-3433	979	11	and	and	CCONJ
fsr-3433	979	12	implications	implication	NOUN
fsr-3433	979	13	for	for	ADP
fsr-3433	979	14	consumer	consumer	NOUN
fsr-3433	979	15	protection	protection	NOUN
fsr-3433	979	16	and	and	CCONJ
fsr-3433	979	17	asic	asic	PROPN
fsr-3433	979	18	’s	’s	PART
fsr-3433	979	19	national	national	ADJ
fsr-3433	979	20	financial	financial	ADJ
fsr-3433	979	21	literacy	literacy	NOUN
fsr-3433	979	22	strategy	strategy	NOUN
fsr-3433	979	23	.	.	PUNCT
fsr-3433	980	1	company	company	NOUN
fsr-3433	980	2	and	and	CCONJ
fsr-3433	980	3	securities	security	NOUN
fsr-3433	980	4	law	law	NOUN
fsr-3433	980	5	journal	journal	NOUN
fsr-3433	980	6	,	,	PUNCT
fsr-3433	980	7	32	32	NUM
fsr-3433	980	8	,	,	PUNCT
fsr-3433	980	9	334–352	334–352	NUM
fsr-3433	980	10	.	.	PUNCT
fsr-3433	981	1	asic	asic	NOUN
fsr-3433	981	2	.	.	PUNCT
fsr-3433	982	1	(	(	PUNCT
fsr-3433	982	2	2018	2018	NUM
fsr-3433	982	3	)	)	PUNCT
fsr-3433	982	4	.	.	PUNCT
fsr-3433	983	1	report	report	VERB
fsr-3433	983	2	580	580	NUM
fsr-3433	983	3	:	:	PUNCT
fsr-3433	983	4	credit	credit	NOUN
fsr-3433	983	5	card	card	NOUN
fsr-3433	983	6	lending	lending	NOUN
fsr-3433	983	7	in	in	ADP
fsr-3433	983	8	australia	australia	PROPN
fsr-3433	983	9	.	.	PUNCT
fsr-3433	984	1	available	available	ADJ
fsr-3433	984	2	at	at	ADP
fsr-3433	984	3	https://asic.gov.au/regulatoryresources/find-a-document/reports/rep-580-credit-card-lending-in-australia/	https://asic.gov.au/regulatoryresources/find-a-document/reports/rep-580-credit-card-lending-in-australia/	PROPN
fsr-3433	984	4	berger	berger	PROPN
fsr-3433	984	5	,	,	PUNCT
fsr-3433	984	6	l.	l.	PROPN
fsr-3433	984	7	m.	m.	PROPN
fsr-3433	984	8	,	,	PUNCT
fsr-3433	984	9	collins	collins	PROPN
fsr-3433	984	10	,	,	PUNCT
fsr-3433	984	11	j.	j.	PROPN
fsr-3433	984	12	m.	m.	PROPN
fsr-3433	984	13	,	,	PUNCT
fsr-3433	984	14	&	&	CCONJ
fsr-3433	984	15	cuesta	cuesta	PROPN
fsr-3433	984	16	,	,	PUNCT
fsr-3433	984	17	l.	l.	PROPN
fsr-3433	984	18	(	(	PUNCT
fsr-3433	984	19	2016	2016	NUM
fsr-3433	984	20	)	)	PUNCT
fsr-3433	984	21	.	.	PUNCT
fsr-3433	985	1	household	household	NOUN
fsr-3433	985	2	debt	debt	NOUN
fsr-3433	985	3	and	and	CCONJ
fsr-3433	985	4	adult	adult	NOUN
fsr-3433	985	5	depressive	depressive	ADJ
fsr-3433	985	6	symptoms	symptom	NOUN
fsr-3433	985	7	in	in	ADP
fsr-3433	985	8	the	the	DET
fsr-3433	985	9	united	united	PROPN
fsr-3433	985	10	states	states	PROPN
fsr-3433	985	11	.	.	PUNCT
fsr-3433	986	1	journal	journal	PROPN
fsr-3433	986	2	of	of	ADP
fsr-3433	986	3	family	family	NOUN
fsr-3433	986	4	and	and	CCONJ
fsr-3433	986	5	economic	economic	ADJ
fsr-3433	986	6	issues	issue	NOUN
fsr-3433	986	7	,	,	PUNCT
fsr-3433	986	8	37	37	NUM
fsr-3433	986	9	,	,	PUNCT
fsr-3433	986	10	42–57	42–57	NUM
fsr-3433	986	11	.	.	PUNCT
fsr-3433	987	1	bourova	bourova	PROPN
fsr-3433	987	2	,	,	PUNCT
fsr-3433	987	3	e.	e.	PROPN
fsr-3433	987	4	,	,	PUNCT
fsr-3433	987	5	anderson	anderson	PROPN
fsr-3433	987	6	,	,	PUNCT
fsr-3433	987	7	m.	m.	PROPN
fsr-3433	987	8	,	,	PUNCT
fsr-3433	987	9	ramsay	ramsay	PROPN
fsr-3433	987	10	,	,	PUNCT
fsr-3433	987	11	i.	i.	PROPN
fsr-3433	987	12	,	,	PUNCT
fsr-3433	987	13	&	&	CCONJ
fsr-3433	987	14	ali	ali	PROPN
fsr-3433	987	15	,	,	PUNCT
fsr-3433	987	16	p.	p.	NOUN
fsr-3433	987	17	(	(	PUNCT
fsr-3433	987	18	2018	2018	NUM
fsr-3433	987	19	)	)	PUNCT
fsr-3433	987	20	.	.	PUNCT
fsr-3433	988	1	impacts	impact	NOUN
fsr-3433	988	2	of	of	ADP
fsr-3433	988	3	financial	financial	ADJ
fsr-3433	988	4	literacy	literacy	NOUN
fsr-3433	988	5	and	and	CCONJ
fsr-3433	988	6	confidence	confidence	NOUN
fsr-3433	988	7	on	on	ADP
fsr-3433	988	8	the	the	DET
fsr-3433	988	9	severity	severity	NOUN
fsr-3433	988	10	of	of	ADP
fsr-3433	988	11	financial	financial	ADJ
fsr-3433	988	12	hardship	hardship	NOUN
fsr-3433	988	13	in	in	ADP
fsr-3433	988	14	australia	australia	PROPN
fsr-3433	988	15	.	.	PUNCT
fsr-3433	989	1	australasian	australasian	ADJ
fsr-3433	989	2	accounting	accounting	NOUN
fsr-3433	989	3	,	,	PUNCT
fsr-3433	989	4	business	business	NOUN
fsr-3433	989	5	and	and	CCONJ
fsr-3433	989	6	finance	finance	NOUN
fsr-3433	989	7	journal	journal	NOUN
fsr-3433	989	8	,	,	PUNCT
fsr-3433	989	9	12	12	NUM
fsr-3433	989	10	,	,	PUNCT
fsr-3433	989	11	4–23	4–23	PROPN
fsr-3433	989	12	.	.	PUNCT
fsr-3433	990	1	brown	brown	PROPN
fsr-3433	990	2	,	,	PUNCT
fsr-3433	990	3	m.	m.	NOUN
fsr-3433	990	4	,	,	PUNCT
fsr-3433	990	5	grigsby	grigsby	PROPN
fsr-3433	990	6	,	,	PUNCT
fsr-3433	990	7	j.	j.	PROPN
fsr-3433	990	8	,	,	PUNCT
fsr-3433	990	9	van	van	PROPN
fsr-3433	990	10	der	der	PROPN
fsr-3433	990	11	klaauw	klaauw	PROPN
fsr-3433	990	12	,	,	PUNCT
fsr-3433	990	13	w.	w.	PROPN
fsr-3433	990	14	,	,	PUNCT
fsr-3433	990	15	wen	wen	PROPN
fsr-3433	990	16	,	,	PUNCT
fsr-3433	990	17	j.	j.	PROPN
fsr-3433	990	18	,	,	PUNCT
fsr-3433	990	19	&	&	CCONJ
fsr-3433	990	20	zafar	zafar	PROPN
fsr-3433	990	21	,	,	PUNCT
fsr-3433	990	22	b.	b.	PROPN
fsr-3433	990	23	(	(	PUNCT
fsr-3433	990	24	2016	2016	NUM
fsr-3433	990	25	)	)	PUNCT
fsr-3433	990	26	.	.	PUNCT
fsr-3433	991	1	financial	financial	ADJ
fsr-3433	991	2	education	education	NOUN
fsr-3433	991	3	and	and	CCONJ
fsr-3433	991	4	the	the	DET
fsr-3433	991	5	debt	debt	NOUN
fsr-3433	991	6	behavior	behavior	NOUN
fsr-3433	991	7	of	of	ADP
fsr-3433	991	8	the	the	DET
fsr-3433	991	9	young	young	PROPN
fsr-3433	991	10	.	.	PUNCT
fsr-3433	992	1	the	the	DET
fsr-3433	992	2	review	review	NOUN
fsr-3433	992	3	of	of	ADP
fsr-3433	992	4	financial	financial	ADJ
fsr-3433	992	5	studies	study	NOUN
fsr-3433	992	6	,	,	PUNCT
fsr-3433	992	7	29	29	NUM
fsr-3433	992	8	,	,	PUNCT
fsr-3433	992	9	2490–2522	2490–2522	NUM
fsr-3433	992	10	.	.	PUNCT
fsr-3433	993	1	brown	brown	PROPN
fsr-3433	993	2	,	,	PUNCT
fsr-3433	993	3	s.	s.	PROPN
fsr-3433	993	4	,	,	PUNCT
fsr-3433	993	5	&	&	CCONJ
fsr-3433	993	6	gray	gray	PROPN
fsr-3433	993	7	,	,	PUNCT
fsr-3433	993	8	d.	d.	PROPN
fsr-3433	993	9	(	(	PUNCT
fsr-3433	993	10	2016	2016	NUM
fsr-3433	993	11	)	)	PUNCT
fsr-3433	993	12	.	.	PUNCT
fsr-3433	994	1	household	household	NOUN
fsr-3433	994	2	finances	finance	NOUN
fsr-3433	994	3	and	and	CCONJ
fsr-3433	994	4	well	well	ADV
fsr-3433	994	5	-	-	PUNCT
fsr-3433	994	6	being	being	NOUN
fsr-3433	994	7	in	in	ADP
fsr-3433	994	8	australia	australia	PROPN
fsr-3433	994	9	:	:	PUNCT
fsr-3433	994	10	an	an	DET
fsr-3433	994	11	empirical	empirical	ADJ
fsr-3433	994	12	analysis	analysis	NOUN
fsr-3433	994	13	of	of	ADP
fsr-3433	994	14	comparison	comparison	NOUN
fsr-3433	994	15	effects	effect	NOUN
fsr-3433	994	16	.	.	PUNCT
fsr-3433	995	1	journal	journal	NOUN
fsr-3433	995	2	of	of	ADP
fsr-3433	995	3	economic	economic	ADJ
fsr-3433	995	4	psychology	psychology	NOUN
fsr-3433	995	5	,	,	PUNCT
fsr-3433	995	6	53	53	NUM
fsr-3433	995	7	,	,	PUNCT
fsr-3433	995	8	17–36	17–36	NUM
fsr-3433	995	9	.	.	PUNCT
fsr-3433	996	1	cassells	cassell	NOUN
fsr-3433	996	2	,	,	PUNCT
fsr-3433	996	3	r.	r.	PROPN
fsr-3433	996	4	,	,	PUNCT
fsr-3433	996	5	duncan	duncan	PROPN
fsr-3433	996	6	,	,	PUNCT
fsr-3433	996	7	a.	a.	PROPN
fsr-3433	996	8	,	,	PUNCT
fsr-3433	996	9	kelly	kelly	PROPN
fsr-3433	996	10	,	,	PUNCT
fsr-3433	996	11	s.	s.	PROPN
fsr-3433	996	12	,	,	PUNCT
fsr-3433	996	13	&	&	CCONJ
fsr-3433	996	14	ong	ong	PROPN
fsr-3433	996	15	,	,	PUNCT
fsr-3433	996	16	r.	r.	PROPN
fsr-3433	996	17	(	(	PUNCT
fsr-3433	996	18	2015	2015	NUM
fsr-3433	996	19	)	)	PUNCT
fsr-3433	996	20	.	.	PUNCT
fsr-3433	997	1	beyond	beyond	ADP
fsr-3433	997	2	our	our	PRON
fsr-3433	997	3	means	mean	NOUN
fsr-3433	997	4	?	?	PUNCT
fsr-3433	998	1	household	household	NOUN
fsr-3433	998	2	savings	saving	NOUN
fsr-3433	998	3	and	and	CCONJ
fsr-3433	998	4	debt	debt	NOUN
fsr-3433	998	5	in	in	ADP
fsr-3433	998	6	australia	australia	PROPN
fsr-3433	998	7	.	.	PUNCT
fsr-3433	999	1	bankwest	bankw	ADJ
fsr-3433	999	2	curtin	curtin	PROPN
fsr-3433	999	3	economics	economic	NOUN
fsr-3433	999	4	centre	centre	PROPN
fsr-3433	999	5	.	.	PUNCT
fsr-3433	1000	1	focus	focus	VERB
fsr-3433	1000	2	on	on	ADP
fsr-3433	1000	3	the	the	DET
fsr-3433	1000	4	states	state	NOUN
fsr-3433	1000	5	report	report	NOUN
fsr-3433	1000	6	series	serie	NOUN
fsr-3433	1000	7	,	,	PUNCT
fsr-3433	1000	8	(	(	PUNCT
fsr-3433	1000	9	no	no	INTJ
fsr-3433	1000	10	.	.	NOUN
fsr-3433	1000	11	2	2	NUM
fsr-3433	1000	12	)	)	PUNCT
fsr-3433	1000	13	.	.	PUNCT
fsr-3433	1001	1	curtin	curtin	PROPN
fsr-3433	1001	2	university	university	PROPN
fsr-3433	1001	3	,	,	PUNCT
fsr-3433	1001	4	perth	perth	PROPN
fsr-3433	1001	5	,	,	PUNCT
fsr-3433	1001	6	western	western	ADJ
fsr-3433	1001	7	australia	australia	PROPN
fsr-3433	1001	8	.	.	PUNCT
fsr-3433	1002	1	cecchetti	cecchetti	PROPN
fsr-3433	1002	2	,	,	PUNCT
fsr-3433	1002	3	s.	s.	PROPN
fsr-3433	1002	4	,	,	PUNCT
fsr-3433	1002	5	mohanty	mohanty	PROPN
fsr-3433	1002	6	,	,	PUNCT
fsr-3433	1002	7	m.	m.	NOUN
fsr-3433	1002	8	,	,	PUNCT
fsr-3433	1002	9	&	&	CCONJ
fsr-3433	1002	10	zampolli	zampolli	PROPN
fsr-3433	1002	11	,	,	PUNCT
fsr-3433	1002	12	f.	f.	PROPN
fsr-3433	1002	13	(	(	PUNCT
fsr-3433	1002	14	2011).the	2011).the	DET
fsr-3433	1002	15	real	real	ADJ
fsr-3433	1002	16	effects	effect	NOUN
fsr-3433	1002	17	of	of	ADP
fsr-3433	1002	18	debt	debt	NOUN
fsr-3433	1002	19	.	.	PUNCT
fsr-3433	1003	1	bis	bis	PROPN
fsr-3433	1003	2	working	working	NOUN
fsr-3433	1003	3	papers	paper	NOUN
fsr-3433	1003	4	,	,	PUNCT
fsr-3433	1003	5	(	(	PUNCT
fsr-3433	1003	6	no	no	INTJ
fsr-3433	1003	7	.	.	NOUN
fsr-3433	1003	8	352	352	NUM
fsr-3433	1003	9	)	)	PUNCT
fsr-3433	1003	10	.	.	PUNCT
fsr-3433	1004	1	bank	bank	PROPN
fsr-3433	1004	2	for	for	ADP
fsr-3433	1004	3	international	international	ADJ
fsr-3433	1004	4	settlements	settlement	NOUN
fsr-3433	1004	5	,	,	PUNCT
fsr-3433	1004	6	basel	basel	PROPN
fsr-3433	1004	7	,	,	PUNCT
fsr-3433	1004	8	switzerland	switzerland	PROPN
fsr-3433	1004	9	.	.	PROPN
fsr-3433	1005	1	cude	cude	PROPN
fsr-3433	1005	2	,	,	PUNCT
fsr-3433	1005	3	b.	b.	PROPN
fsr-3433	1005	4	j.	j.	PROPN
fsr-3433	1005	5	,	,	PUNCT
fsr-3433	1005	6	chatterjee	chatterjee	PROPN
fsr-3433	1005	7	,	,	PUNCT
fsr-3433	1005	8	s.	s.	PROPN
fsr-3433	1005	9	,	,	PUNCT
fsr-3433	1005	10	&	&	CCONJ
fsr-3433	1005	11	tavosi	tavosi	PROPN
fsr-3433	1005	12	,	,	PUNCT
fsr-3433	1005	13	j.	j.	PROPN
fsr-3433	1005	14	(	(	PUNCT
fsr-3433	1005	15	2019	2019	NUM
fsr-3433	1005	16	)	)	PUNCT
fsr-3433	1005	17	.	.	PUNCT
fsr-3433	1006	1	financial	financial	ADJ
fsr-3433	1006	2	knowledge	knowledge	NOUN
fsr-3433	1006	3	among	among	ADP
fsr-3433	1006	4	iranian	iranian	ADJ
fsr-3433	1006	5	investors	investor	NOUN
fsr-3433	1006	6	.	.	PUNCT
fsr-3433	1007	1	international	international	ADJ
fsr-3433	1007	2	journal	journal	PROPN
fsr-3433	1007	3	of	of	ADP
fsr-3433	1007	4	consumer	consumer	NOUN
fsr-3433	1007	5	studies	study	NOUN
fsr-3433	1007	6	,	,	PUNCT
fsr-3433	1007	7	43	43	NUM
fsr-3433	1007	8	,	,	PUNCT
fsr-3433	1007	9	503–513	503–513	NUM
fsr-3433	1007	10	.	.	PUNCT
fsr-3433	1007	11	davutyan	davutyan	PROPN
fsr-3433	1007	12	,	,	PUNCT
fsr-3433	1007	13	n.	n.	NOUN
fsr-3433	1007	14	,	,	PUNCT
fsr-3433	1007	15	&	&	CCONJ
fsr-3433	1007	16	öztürkkal	öztürkkal	PROPN
fsr-3433	1007	17	,	,	PUNCT
fsr-3433	1007	18	b.	b.	PROPN
fsr-3433	1007	19	(	(	PUNCT
fsr-3433	1007	20	2016	2016	NUM
fsr-3433	1007	21	)	)	PUNCT
fsr-3433	1007	22	.	.	PUNCT
fsr-3433	1008	1	determinants	determinant	NOUN
fsr-3433	1008	2	of	of	ADP
fsr-3433	1008	3	saving	saving	NOUN
fsr-3433	1008	4	-	-	PUNCT
fsr-3433	1008	5	borrowing	borrowing	NOUN
fsr-3433	1008	6	decisions	decision	NOUN
fsr-3433	1008	7	and	and	CCONJ
fsr-3433	1008	8	financial	financial	ADJ
fsr-3433	1008	9	inclusion	inclusion	NOUN
fsr-3433	1008	10	in	in	ADP
fsr-3433	1008	11	a	a	DET
fsr-3433	1008	12	high	high	ADJ
fsr-3433	1008	13	middle	middle	ADJ
fsr-3433	1008	14	income	income	NOUN
fsr-3433	1008	15	country	country	NOUN
fsr-3433	1008	16	:	:	PUNCT
fsr-3433	1008	17	the	the	DET
fsr-3433	1008	18	turkish	turkish	ADJ
fsr-3433	1008	19	case	case	NOUN
fsr-3433	1008	20	.	.	PUNCT
fsr-3433	1009	1	emerging	emerge	VERB
fsr-3433	1009	2	markets	market	NOUN
fsr-3433	1009	3	finance	finance	NOUN
fsr-3433	1009	4	and	and	CCONJ
fsr-3433	1009	5	trade	trade	NOUN
fsr-3433	1009	6	,	,	PUNCT
fsr-3433	1009	7	52	52	NUM
fsr-3433	1009	8	,	,	PUNCT
fsr-3433	1009	9	2512–2529	2512–2529	NUM
fsr-3433	1009	10	.	.	PUNCT
fsr-3433	1010	1	disney	disney	PROPN
fsr-3433	1010	2	,	,	PUNCT
fsr-3433	1010	3	r.	r.	PROPN
fsr-3433	1010	4	,	,	PUNCT
fsr-3433	1010	5	&	&	CCONJ
fsr-3433	1010	6	gathergood	gathergood	PROPN
fsr-3433	1010	7	,	,	PUNCT
fsr-3433	1010	8	j.	j.	PROPN
fsr-3433	1010	9	(	(	PUNCT
fsr-3433	1010	10	2013	2013	NUM
fsr-3433	1010	11	)	)	PUNCT
fsr-3433	1010	12	.	.	PUNCT
fsr-3433	1011	1	financial	financial	ADJ
fsr-3433	1011	2	literacy	literacy	NOUN
fsr-3433	1011	3	and	and	CCONJ
fsr-3433	1011	4	consumer	consumer	NOUN
fsr-3433	1011	5	credit	credit	NOUN
fsr-3433	1011	6	portfolios	portfolio	NOUN
fsr-3433	1011	7	.	.	PUNCT
fsr-3433	1012	1	journal	journal	NOUN
fsr-3433	1012	2	of	of	ADP
fsr-3433	1012	3	banking	banking	NOUN
fsr-3433	1012	4	&	&	CCONJ
fsr-3433	1012	5	finance	finance	PROPN
fsr-3433	1012	6	,	,	PUNCT
fsr-3433	1012	7	37	37	NUM
fsr-3433	1012	8	,	,	PUNCT
fsr-3433	1012	9	2246–2254	2246–2254	NUM
fsr-3433	1012	10	.	.	PUNCT
fsr-3433	1013	1	dunn	dunn	PROPN
fsr-3433	1013	2	,	,	PUNCT
fsr-3433	1013	3	l.	l.	PROPN
fsr-3433	1013	4	f.	f.	PROPN
fsr-3433	1013	5	,	,	PUNCT
fsr-3433	1013	6	&	&	CCONJ
fsr-3433	1013	7	mirzaie	mirzaie	PROPN
fsr-3433	1013	8	,	,	PUNCT
fsr-3433	1013	9	i.	i.	PROPN
fsr-3433	1013	10	a.	a.	PROPN
fsr-3433	1013	11	(	(	PUNCT
fsr-3433	1013	12	2012	2012	NUM
fsr-3433	1013	13	)	)	PUNCT
fsr-3433	1013	14	.	.	PUNCT
fsr-3433	1014	1	determinants	determinant	NOUN
fsr-3433	1014	2	of	of	ADP
fsr-3433	1014	3	consumer	consumer	NOUN
fsr-3433	1014	4	debt	debt	NOUN
fsr-3433	1014	5	stress	stress	NOUN
fsr-3433	1014	6	:	:	PUNCT
fsr-3433	1014	7	differences	difference	NOUN
fsr-3433	1014	8	by	by	ADP
fsr-3433	1014	9	debt	debt	NOUN
fsr-3433	1014	10	type	type	NOUN
fsr-3433	1014	11	and	and	CCONJ
fsr-3433	1014	12	gender	gender	NOUN
fsr-3433	1014	13	.	.	PUNCT
fsr-3433	1015	1	department	department	PROPN
fsr-3433	1015	2	of	of	ADP
fsr-3433	1015	3	economics	economic	NOUN
fsr-3433	1015	4	,	,	PUNCT
fsr-3433	1015	5	ohio	ohio	PROPN
fsr-3433	1015	6	state	state	PROPN
fsr-3433	1015	7	university	university	PROPN
fsr-3433	1015	8	,	,	PUNCT
fsr-3433	1015	9	columbus	columbus	PROPN
fsr-3433	1015	10	,	,	PUNCT
fsr-3433	1015	11	oh	oh	INTJ
fsr-3433	1015	12	.	.	PUNCT
fsr-3433	1016	1	dunn	dunn	PROPN
fsr-3433	1016	2	,	,	PUNCT
fsr-3433	1016	3	l.	l.	PROPN
fsr-3433	1016	4	f.	f.	PROPN
fsr-3433	1016	5	,	,	PUNCT
fsr-3433	1016	6	&	&	CCONJ
fsr-3433	1016	7	mirzaie	mirzaie	PROPN
fsr-3433	1016	8	,	,	PUNCT
fsr-3433	1016	9	i.	i.	PROPN
fsr-3433	1016	10	a.	a.	PROPN
fsr-3433	1016	11	(	(	PUNCT
fsr-3433	1016	12	2016	2016	NUM
fsr-3433	1016	13	)	)	PUNCT
fsr-3433	1016	14	.	.	PUNCT
fsr-3433	1017	1	consumer	consumer	NOUN
fsr-3433	1017	2	debt	debt	NOUN
fsr-3433	1017	3	stress	stress	NOUN
fsr-3433	1017	4	,	,	PUNCT
fsr-3433	1017	5	changes	change	NOUN
fsr-3433	1017	6	in	in	ADP
fsr-3433	1017	7	household	household	NOUN
fsr-3433	1017	8	debt	debt	NOUN
fsr-3433	1017	9	,	,	PUNCT
fsr-3433	1017	10	and	and	CCONJ
fsr-3433	1017	11	the	the	DET
fsr-3433	1017	12	great	great	ADJ
fsr-3433	1017	13	recession	recession	NOUN
fsr-3433	1017	14	.	.	PUNCT
fsr-3433	1018	1	economic	economic	ADJ
fsr-3433	1018	2	inquiry	inquiry	NOUN
fsr-3433	1018	3	,	,	PUNCT
fsr-3433	1018	4	54	54	NUM
fsr-3433	1018	5	,	,	PUNCT
fsr-3433	1018	6	201–214	201–214	NUM
fsr-3433	1018	7	.	.	PUNCT
fsr-3433	1019	1	fernandes	fernandes	PROPN
fsr-3433	1019	2	,	,	PUNCT
fsr-3433	1019	3	d.	d.	PROPN
fsr-3433	1019	4	,	,	PUNCT
fsr-3433	1019	5	lynch	lynch	PROPN
fsr-3433	1019	6	,	,	PUNCT
fsr-3433	1019	7	j.	j.	PROPN
fsr-3433	1019	8	g.	g.	PROPN
fsr-3433	1019	9	,	,	PUNCT
fsr-3433	1019	10	&	&	CCONJ
fsr-3433	1019	11	netemeyer	netemeyer	PROPN
fsr-3433	1019	12	,	,	PUNCT
fsr-3433	1019	13	r.	r.	PROPN
fsr-3433	1019	14	g.	g.	PROPN
fsr-3433	1019	15	(	(	PUNCT
fsr-3433	1019	16	2014	2014	NUM
fsr-3433	1019	17	)	)	PUNCT
fsr-3433	1019	18	.	.	PUNCT
fsr-3433	1020	1	financial	financial	ADJ
fsr-3433	1020	2	literacy	literacy	NOUN
fsr-3433	1020	3	,	,	PUNCT
fsr-3433	1020	4	financial	financial	ADJ
fsr-3433	1020	5	education	education	NOUN
fsr-3433	1020	6	and	and	CCONJ
fsr-3433	1020	7	downstream	downstream	ADJ
fsr-3433	1020	8	financial	financial	ADJ
fsr-3433	1020	9	behaviors.management	behaviors.management	NOUN
fsr-3433	1020	10	science	science	NOUN
fsr-3433	1020	11	,	,	PUNCT
fsr-3433	1020	12	60	60	NUM
fsr-3433	1020	13	,	,	PUNCT
fsr-3433	1020	14	1861–1883	1861–1883	NUM
fsr-3433	1020	15	.	.	PUNCT
fsr-3433	1020	16	fünfgeld	fünfgeld	PROPN
fsr-3433	1020	17	,	,	PUNCT
fsr-3433	1020	18	b.	b.	PROPN
fsr-3433	1020	19	,	,	PUNCT
fsr-3433	1020	20	&	&	CCONJ
fsr-3433	1020	21	wang	wang	PROPN
fsr-3433	1020	22	,	,	PUNCT
fsr-3433	1020	23	m.	m.	NOUN
fsr-3433	1020	24	(	(	PUNCT
fsr-3433	1020	25	2009	2009	NUM
fsr-3433	1020	26	)	)	PUNCT
fsr-3433	1020	27	.	.	PUNCT
fsr-3433	1021	1	attitudes	attitude	NOUN
fsr-3433	1021	2	and	and	CCONJ
fsr-3433	1021	3	behaviour	behaviour	NOUN
fsr-3433	1021	4	in	in	ADP
fsr-3433	1021	5	everyday	everyday	ADJ
fsr-3433	1021	6	finance	finance	NOUN
fsr-3433	1021	7	:	:	PUNCT
fsr-3433	1021	8	evidence	evidence	NOUN
fsr-3433	1021	9	from	from	ADP
fsr-3433	1021	10	switzerland	switzerland	PROPN
fsr-3433	1021	11	.	.	PUNCT
fsr-3433	1022	1	international	international	ADJ
fsr-3433	1022	2	journal	journal	PROPN
fsr-3433	1022	3	of	of	ADP
fsr-3433	1022	4	bank	bank	PROPN
fsr-3433	1022	5	marketing	marketing	NOUN
fsr-3433	1022	6	,	,	PUNCT
fsr-3433	1022	7	27	27	NUM
fsr-3433	1022	8	,	,	PUNCT
fsr-3433	1022	9	108–128	108–128	NUM
fsr-3433	1022	10	.	.	PUNCT
fsr-3433	1023	1	garcı́a	garcı́a	PROPN
fsr-3433	1023	2	,	,	PUNCT
fsr-3433	1023	3	m.	m.	PROPN
fsr-3433	1023	4	j.	j.	PROPN
fsr-3433	1023	5	r.	r.	PROPN
fsr-3433	1023	6	(	(	PUNCT
fsr-3433	1023	7	2013	2013	NUM
fsr-3433	1023	8	)	)	PUNCT
fsr-3433	1023	9	.	.	PUNCT
fsr-3433	1024	1	financial	financial	ADJ
fsr-3433	1024	2	education	education	NOUN
fsr-3433	1024	3	and	and	CCONJ
fsr-3433	1024	4	behavioral	behavioral	ADJ
fsr-3433	1024	5	finance	finance	NOUN
fsr-3433	1024	6	:	:	PUNCT
fsr-3433	1024	7	new	new	ADJ
fsr-3433	1024	8	insights	insight	NOUN
fsr-3433	1024	9	into	into	ADP
fsr-3433	1024	10	the	the	DET
fsr-3433	1024	11	role	role	NOUN
fsr-3433	1024	12	of	of	ADP
fsr-3433	1024	13	information	information	NOUN
fsr-3433	1024	14	in	in	ADP
fsr-3433	1024	15	financial	financial	ADJ
fsr-3433	1024	16	decisions	decision	NOUN
fsr-3433	1024	17	.	.	PUNCT
fsr-3433	1025	1	journal	journal	NOUN
fsr-3433	1025	2	of	of	ADP
fsr-3433	1025	3	economic	economic	ADJ
fsr-3433	1025	4	surveys	survey	NOUN
fsr-3433	1025	5	,	,	PUNCT
fsr-3433	1025	6	27	27	NUM
fsr-3433	1025	7	,	,	PUNCT
fsr-3433	1025	8	297–315	297–315	NUM
fsr-3433	1025	9	.	.	PUNCT
fsr-3433	1026	1	gorbachev	gorbachev	PROPN
fsr-3433	1026	2	,	,	PUNCT
fsr-3433	1026	3	o.	o.	PROPN
fsr-3433	1026	4	,	,	PUNCT
fsr-3433	1026	5	&	&	CCONJ
fsr-3433	1026	6	luengo	luengo	PROPN
fsr-3433	1026	7	-	-	PUNCT
fsr-3433	1026	8	prado	prado	PROPN
fsr-3433	1026	9	,	,	PUNCT
fsr-3433	1026	10	m.	m.	NOUN
fsr-3433	1026	11	j.	j.	PROPN
fsr-3433	1026	12	(	(	PUNCT
fsr-3433	1026	13	2019	2019	NUM
fsr-3433	1026	14	)	)	PUNCT
fsr-3433	1026	15	.	.	PUNCT
fsr-3433	1027	1	the	the	DET
fsr-3433	1027	2	credit	credit	NOUN
fsr-3433	1027	3	card	card	NOUN
fsr-3433	1027	4	debt	debt	NOUN
fsr-3433	1027	5	puzzle	puzzle	NOUN
fsr-3433	1027	6	:	:	PUNCT
fsr-3433	1027	7	the	the	DET
fsr-3433	1027	8	role	role	NOUN
fsr-3433	1027	9	of	of	ADP
fsr-3433	1027	10	preferences	preference	NOUN
fsr-3433	1027	11	,	,	PUNCT
fsr-3433	1027	12	credit	credit	NOUN
fsr-3433	1027	13	access	access	NOUN
fsr-3433	1027	14	risk	risk	NOUN
fsr-3433	1027	15	,	,	PUNCT
fsr-3433	1027	16	and	and	CCONJ
fsr-3433	1027	17	financial	financial	ADJ
fsr-3433	1027	18	literacy	literacy	NOUN
fsr-3433	1027	19	.	.	PUNCT
fsr-3433	1028	1	the	the	DET
fsr-3433	1028	2	review	review	NOUN
fsr-3433	1028	3	of	of	ADP
fsr-3433	1028	4	economics	economic	NOUN
fsr-3433	1028	5	and	and	CCONJ
fsr-3433	1028	6	statistics	statistic	NOUN
fsr-3433	1028	7	,	,	PUNCT
fsr-3433	1028	8	101	101	NUM
fsr-3433	1028	9	,	,	PUNCT
fsr-3433	1028	10	294–309	294–309	NUM
fsr-3433	1028	11	.	.	PUNCT
fsr-3433	1029	1	grable	grable	PROPN
fsr-3433	1029	2	,	,	PUNCT
fsr-3433	1029	3	j.	j.	PROPN
fsr-3433	1029	4	e.	e.	PROPN
fsr-3433	1029	5	,	,	PUNCT
fsr-3433	1029	6	lyons	lyons	PROPN
fsr-3433	1029	7	,	,	PUNCT
fsr-3433	1029	8	a.	a.	PROPN
fsr-3433	1029	9	c.	c.	PROPN
fsr-3433	1029	10	,	,	PUNCT
fsr-3433	1029	11	&	&	CCONJ
fsr-3433	1029	12	heo	heo	PROPN
fsr-3433	1029	13	,	,	PUNCT
fsr-3433	1029	14	w.	w.	PROPN
fsr-3433	1029	15	(	(	PUNCT
fsr-3433	1029	16	2019	2019	NUM
fsr-3433	1029	17	)	)	PUNCT
fsr-3433	1029	18	.	.	PUNCT
fsr-3433	1030	1	a	a	DET
fsr-3433	1030	2	test	test	NOUN
fsr-3433	1030	3	of	of	ADP
fsr-3433	1030	4	traditional	traditional	ADJ
fsr-3433	1030	5	and	and	CCONJ
fsr-3433	1030	6	psychometric	psychometric	ADJ
fsr-3433	1030	7	relative	relative	ADJ
fsr-3433	1030	8	risk	risk	NOUN
fsr-3433	1030	9	tolerance	tolerance	NOUN
fsr-3433	1030	10	measures	measure	NOUN
fsr-3433	1030	11	on	on	ADP
fsr-3433	1030	12	household	household	NOUN
fsr-3433	1030	13	financial	financial	ADJ
fsr-3433	1030	14	risk	risk	NOUN
fsr-3433	1030	15	taking	taking	NOUN
fsr-3433	1030	16	.	.	PUNCT
fsr-3433	1031	1	finance	finance	NOUN
fsr-3433	1031	2	research	research	NOUN
fsr-3433	1031	3	letters	letter	NOUN
fsr-3433	1031	4	,	,	PUNCT
fsr-3433	1031	5	30	30	NUM
fsr-3433	1031	6	,	,	PUNCT
fsr-3433	1031	7	8–13	8–13	NOUN
fsr-3433	1031	8	.	.	PUNCT
fsr-3433	1032	1	grinstein	grinstein	NOUN
fsr-3433	1032	2	-	-	PUNCT
fsr-3433	1032	3	weiss	weiss	PROPN
fsr-3433	1032	4	,	,	PUNCT
fsr-3433	1032	5	m.	m.	NOUN
fsr-3433	1032	6	,	,	PUNCT
fsr-3433	1032	7	spader	spader	PROPN
fsr-3433	1032	8	,	,	PUNCT
fsr-3433	1032	9	j.	j.	PROPN
fsr-3433	1032	10	s.	s.	PROPN
fsr-3433	1032	11	,	,	PUNCT
fsr-3433	1032	12	yeo	yeo	PROPN
fsr-3433	1032	13	,	,	PUNCT
fsr-3433	1032	14	y.	y.	PROPN
fsr-3433	1032	15	h.	h.	PROPN
fsr-3433	1032	16	,	,	PUNCT
fsr-3433	1032	17	key	key	PROPN
fsr-3433	1032	18	,	,	PUNCT
fsr-3433	1032	19	c.	c.	PROPN
fsr-3433	1032	20	c.	c.	PROPN
fsr-3433	1032	21	,	,	PUNCT
fsr-3433	1032	22	&	&	CCONJ
fsr-3433	1032	23	freeze	freeze	NOUN
fsr-3433	1032	24	,	,	PUNCT
fsr-3433	1032	25	e.	e.	PROPN
fsr-3433	1032	26	b.	b.	PROPN
fsr-3433	1032	27	(	(	PUNCT
fsr-3433	1032	28	2012	2012	NUM
fsr-3433	1032	29	)	)	PUNCT
fsr-3433	1032	30	.	.	PUNCT
fsr-3433	1033	1	loan	loan	NOUN
fsr-3433	1033	2	performance	performance	NOUN
fsr-3433	1033	3	among	among	ADP
fsr-3433	1033	4	low	low	ADJ
fsr-3433	1033	5	-	-	PUNCT
fsr-3433	1033	6	income	income	NOUN
fsr-3433	1033	7	households	household	NOUN
fsr-3433	1033	8	:	:	PUNCT
fsr-3433	1033	9	does	do	AUX
fsr-3433	1033	10	prior	prior	ADV
fsr-3433	1033	11	parental	parental	ADJ
fsr-3433	1033	12	teaching	teaching	NOUN
fsr-3433	1033	13	of	of	ADP
fsr-3433	1033	14	money	money	NOUN
fsr-3433	1033	15	management	management	NOUN
fsr-3433	1033	16	matter	matter	NOUN
fsr-3433	1033	17	?	?	PUNCT
fsr-3433	1034	1	social	social	ADJ
fsr-3433	1034	2	work	work	NOUN
fsr-3433	1034	3	research	research	NOUN
fsr-3433	1034	4	,	,	PUNCT
fsr-3433	1034	5	36	36	NUM
fsr-3433	1034	6	,	,	PUNCT
fsr-3433	1034	7	257–270	257–270	NUM
fsr-3433	1034	8	.	.	PUNCT
fsr-3433	1035	1	m.	m.	PROPN
fsr-3433	1035	2	s.	s.	PROPN
fsr-3433	1035	3	tahir	tahir	PROPN
fsr-3433	1035	4	et	et	PROPN
fsr-3433	1035	5	al	al	PROPN
fsr-3433	1035	6	.	.	PUNCT
fsr-3433	1035	7	/	/	SYM
fsr-3433	1035	8	financial	financial	ADJ
fsr-3433	1035	9	services	service	NOUN
fsr-3433	1035	10	review	review	VERB
fsr-3433	1035	11	28	28	NUM
fsr-3433	1035	12	(	(	PUNCT
fsr-3433	1035	13	2020	2020	NUM
fsr-3433	1035	14	)	)	PUNCT
fsr-3433	1036	1	273–301	273–301	NUM
fsr-3433	1036	2	299	299	NUM
fsr-3433	1036	3	harari	harari	PROPN
fsr-3433	1036	4	,	,	PUNCT
fsr-3433	1036	5	d.	d.	PROPN
fsr-3433	1036	6	(	(	PUNCT
fsr-3433	1036	7	2018	2018	NUM
fsr-3433	1036	8	)	)	PUNCT
fsr-3433	1036	9	.	.	PUNCT
fsr-3433	1037	1	household	household	NOUN
fsr-3433	1037	2	debt	debt	NOUN
fsr-3433	1037	3	:	:	PUNCT
fsr-3433	1037	4	statistics	statistic	NOUN
fsr-3433	1037	5	and	and	CCONJ
fsr-3433	1037	6	impact	impact	NOUN
fsr-3433	1037	7	on	on	ADP
fsr-3433	1037	8	economy	economy	NOUN
fsr-3433	1037	9	.	.	PUNCT
fsr-3433	1038	1	house	house	PROPN
fsr-3433	1038	2	of	of	ADP
fsr-3433	1038	3	commons	commons	PROPN
fsr-3433	1038	4	library	library	PROPN
fsr-3433	1038	5	briefing	briefing	PROPN
fsr-3433	1038	6	paper	paper	NOUN
fsr-3433	1038	7	,	,	PUNCT
fsr-3433	1038	8	(	(	PUNCT
fsr-3433	1038	9	no	no	INTJ
fsr-3433	1038	10	.	.	NOUN
fsr-3433	1038	11	7584	7584	NUM
fsr-3433	1038	12	)	)	PUNCT
fsr-3433	1038	13	.	.	PUNCT
fsr-3433	1039	1	london	london	PROPN
fsr-3433	1039	2	,	,	PUNCT
fsr-3433	1039	3	united	united	PROPN
fsr-3433	1039	4	kingdom	kingdom	PROPN
fsr-3433	1039	5	.	.	PUNCT
fsr-3433	1040	1	huston	huston	PROPN
fsr-3433	1040	2	,	,	PUNCT
fsr-3433	1040	3	s.	s.	PROPN
fsr-3433	1040	4	j.	j.	PROPN
fsr-3433	1040	5	(	(	PUNCT
fsr-3433	1040	6	2012	2012	NUM
fsr-3433	1040	7	)	)	PUNCT
fsr-3433	1040	8	.	.	PUNCT
fsr-3433	1041	1	financial	financial	ADJ
fsr-3433	1041	2	literacy	literacy	NOUN
fsr-3433	1041	3	and	and	CCONJ
fsr-3433	1041	4	the	the	DET
fsr-3433	1041	5	cost	cost	NOUN
fsr-3433	1041	6	of	of	ADP
fsr-3433	1041	7	borrowing	borrowing	NOUN
fsr-3433	1041	8	.	.	PUNCT
fsr-3433	1042	1	international	international	ADJ
fsr-3433	1042	2	journal	journal	PROPN
fsr-3433	1042	3	of	of	ADP
fsr-3433	1042	4	consumer	consumer	NOUN
fsr-3433	1042	5	studies	study	NOUN
fsr-3433	1042	6	,	,	PUNCT
fsr-3433	1042	7	36	36	NUM
fsr-3433	1042	8	,	,	PUNCT
fsr-3433	1042	9	566–572	566–572	NUM
fsr-3433	1042	10	.	.	PUNCT
fsr-3433	1043	1	jacoby	jacoby	PROPN
fsr-3433	1043	2	,	,	PUNCT
fsr-3433	1043	3	m.	m.	PROPN
fsr-3433	1043	4	b.	b.	PROPN
fsr-3433	1043	5	(	(	PUNCT
fsr-3433	1043	6	2002	2002	NUM
fsr-3433	1043	7	)	)	PUNCT
fsr-3433	1043	8	.	.	PUNCT
fsr-3433	1044	1	does	do	VERB
fsr-3433	1044	2	indebtedness	indebtedness	NOUN
fsr-3433	1044	3	influence	influence	NOUN
fsr-3433	1044	4	health	health	NOUN
fsr-3433	1044	5	?	?	PUNCT
fsr-3433	1045	1	a	a	DET
fsr-3433	1045	2	preliminary	preliminary	ADJ
fsr-3433	1045	3	inquiry	inquiry	NOUN
fsr-3433	1045	4	.	.	PUNCT
fsr-3433	1046	1	the	the	DET
fsr-3433	1046	2	journal	journal	PROPN
fsr-3433	1046	3	of	of	ADP
fsr-3433	1046	4	law	law	NOUN
fsr-3433	1046	5	,	,	PUNCT
fsr-3433	1046	6	medicine	medicine	NOUN
fsr-3433	1046	7	&	&	CCONJ
fsr-3433	1046	8	ethics	ethic	NOUN
fsr-3433	1046	9	:	:	PUNCT
fsr-3433	1046	10	a	a	DET
fsr-3433	1046	11	journal	journal	NOUN
fsr-3433	1046	12	of	of	ADP
fsr-3433	1046	13	the	the	DET
fsr-3433	1046	14	american	american	ADJ
fsr-3433	1046	15	society	society	NOUN
fsr-3433	1046	16	of	of	ADP
fsr-3433	1046	17	law	law	NOUN
fsr-3433	1046	18	,	,	PUNCT
fsr-3433	1046	19	medicine	medicine	NOUN
fsr-3433	1046	20	&	&	CCONJ
fsr-3433	1046	21	ethics	ethic	NOUN
fsr-3433	1046	22	,	,	PUNCT
fsr-3433	1046	23	30	30	NUM
fsr-3433	1046	24	,	,	PUNCT
fsr-3433	1046	25	560–571	560–571	NUM
fsr-3433	1046	26	.	.	PUNCT
fsr-3433	1047	1	jarl	jarl	PROPN
fsr-3433	1047	2	,	,	PUNCT
fsr-3433	1047	3	j.	j.	PROPN
fsr-3433	1047	4	,	,	PUNCT
fsr-3433	1047	5	cantor	cantor	PROPN
fsr-3433	1047	6	-	-	PUNCT
fsr-3433	1047	7	graae	graae	PROPN
fsr-3433	1047	8	,	,	PUNCT
fsr-3433	1047	9	e.	e.	PROPN
fsr-3433	1047	10	,	,	PUNCT
fsr-3433	1047	11	chak	chak	ADJ
fsr-3433	1047	12	,	,	PUNCT
fsr-3433	1047	13	t.	t.	PROPN
fsr-3433	1047	14	,	,	PUNCT
fsr-3433	1047	15	sunbaunat	sunbaunat	NOUN
fsr-3433	1047	16	,	,	PUNCT
fsr-3433	1047	17	k.	k.	PROPN
fsr-3433	1047	18	,	,	PUNCT
fsr-3433	1047	19	&	&	CCONJ
fsr-3433	1047	20	larsson	larsson	PROPN
fsr-3433	1047	21	,	,	PUNCT
fsr-3433	1047	22	c.	c.	PROPN
fsr-3433	1047	23	a.	a.	PROPN
fsr-3433	1047	24	(	(	PUNCT
fsr-3433	1047	25	2015	2015	NUM
fsr-3433	1047	26	)	)	PUNCT
fsr-3433	1047	27	.	.	PUNCT
fsr-3433	1048	1	trauma	trauma	NOUN
fsr-3433	1048	2	and	and	CCONJ
fsr-3433	1048	3	poor	poor	ADJ
fsr-3433	1048	4	mental	mental	ADJ
fsr-3433	1048	5	health	health	NOUN
fsr-3433	1048	6	in	in	ADP
fsr-3433	1048	7	relation	relation	NOUN
fsr-3433	1048	8	to	to	ADP
fsr-3433	1048	9	economic	economic	ADJ
fsr-3433	1048	10	status	status	NOUN
fsr-3433	1048	11	:	:	PUNCT
fsr-3433	1048	12	the	the	DET
fsr-3433	1048	13	case	case	NOUN
fsr-3433	1048	14	of	of	ADP
fsr-3433	1048	15	cambodia	cambodia	PROPN
fsr-3433	1048	16	35	35	NUM
fsr-3433	1048	17	years	year	NOUN
fsr-3433	1048	18	later	later	ADV
fsr-3433	1048	19	.	.	PUNCT
fsr-3433	1049	1	plos	plos	PROPN
fsr-3433	1049	2	one	one	NUM
fsr-3433	1049	3	,	,	PUNCT
fsr-3433	1049	4	10	10	NUM
fsr-3433	1049	5	,	,	PUNCT
fsr-3433	1049	6	e0136410	e0136410	PROPN
fsr-3433	1049	7	.	.	PUNCT
fsr-3433	1050	1	kadoya	kadoya	PROPN
fsr-3433	1050	2	,	,	PUNCT
fsr-3433	1050	3	y.	y.	PROPN
fsr-3433	1050	4	,	,	PUNCT
fsr-3433	1050	5	khan	khan	PROPN
fsr-3433	1050	6	,	,	PUNCT
fsr-3433	1050	7	m.	m.	PROPN
fsr-3433	1050	8	s.	s.	PROPN
fsr-3433	1050	9	r.	r.	PROPN
fsr-3433	1050	10	,	,	PUNCT
fsr-3433	1050	11	hamada	hamada	PROPN
fsr-3433	1050	12	,	,	PUNCT
fsr-3433	1050	13	t.	t.	PROPN
fsr-3433	1050	14	,	,	PUNCT
fsr-3433	1050	15	&	&	CCONJ
fsr-3433	1050	16	dominguez	dominguez	PROPN
fsr-3433	1050	17	,	,	PUNCT
fsr-3433	1050	18	a.	a.	NOUN
fsr-3433	1050	19	(	(	PUNCT
fsr-3433	1050	20	2018	2018	NUM
fsr-3433	1050	21	)	)	PUNCT
fsr-3433	1050	22	.	.	PUNCT
fsr-3433	1051	1	financial	financial	ADJ
fsr-3433	1051	2	literacy	literacy	NOUN
fsr-3433	1051	3	and	and	CCONJ
fsr-3433	1051	4	anxiety	anxiety	NOUN
fsr-3433	1051	5	about	about	ADP
fsr-3433	1051	6	life	life	NOUN
fsr-3433	1051	7	in	in	ADP
fsr-3433	1051	8	old	old	ADJ
fsr-3433	1051	9	age	age	NOUN
fsr-3433	1051	10	:	:	PUNCT
fsr-3433	1051	11	evidence	evidence	NOUN
fsr-3433	1051	12	from	from	ADP
fsr-3433	1051	13	the	the	DET
fsr-3433	1051	14	usa	usa	PROPN
fsr-3433	1051	15	.	.	PROPN
fsr-3433	1051	16	review	review	PROPN
fsr-3433	1051	17	of	of	ADP
fsr-3433	1051	18	economics	economic	NOUN
fsr-3433	1051	19	of	of	ADP
fsr-3433	1051	20	the	the	DET
fsr-3433	1051	21	household	household	NOUN
fsr-3433	1051	22	,	,	PUNCT
fsr-3433	1051	23	16	16	NUM
fsr-3433	1051	24	,	,	PUNCT
fsr-3433	1051	25	859–878	859–878	NUM
fsr-3433	1051	26	.	.	PUNCT
fsr-3433	1052	1	kaplan	kaplan	PROPN
fsr-3433	1052	2	,	,	PUNCT
fsr-3433	1052	3	g.	g.	PROPN
fsr-3433	1052	4	,	,	PUNCT
fsr-3433	1052	5	&	&	CCONJ
fsr-3433	1052	6	violante	violante	PROPN
fsr-3433	1052	7	,	,	PUNCT
fsr-3433	1052	8	g.	g.	PROPN
fsr-3433	1052	9	l.	l.	PROPN
fsr-3433	1052	10	(	(	PUNCT
fsr-3433	1052	11	2014	2014	NUM
fsr-3433	1052	12	)	)	PUNCT
fsr-3433	1052	13	.	.	PUNCT
fsr-3433	1053	1	a	a	DET
fsr-3433	1053	2	model	model	NOUN
fsr-3433	1053	3	of	of	ADP
fsr-3433	1053	4	the	the	DET
fsr-3433	1053	5	consumption	consumption	NOUN
fsr-3433	1053	6	response	response	NOUN
fsr-3433	1053	7	to	to	ADP
fsr-3433	1053	8	fiscal	fiscal	ADJ
fsr-3433	1053	9	stimulus	stimulus	ADJ
fsr-3433	1053	10	payments	payment	NOUN
fsr-3433	1053	11	.	.	PUNCT
fsr-3433	1054	1	econometrica	econometrica	PROPN
fsr-3433	1054	2	,	,	PUNCT
fsr-3433	1054	3	82	82	NUM
fsr-3433	1054	4	,	,	PUNCT
fsr-3433	1054	5	1199–1239	1199–1239	NUM
fsr-3433	1054	6	.	.	PUNCT
fsr-3433	1054	7	kempson	kempson	PROPN
fsr-3433	1054	8	,	,	PUNCT
fsr-3433	1054	9	e.	e.	PROPN
fsr-3433	1054	10	,	,	PUNCT
fsr-3433	1054	11	finney	finney	PROPN
fsr-3433	1054	12	,	,	PUNCT
fsr-3433	1054	13	a.	a.	PROPN
fsr-3433	1054	14	,	,	PUNCT
fsr-3433	1054	15	&	&	CCONJ
fsr-3433	1054	16	poppe	poppe	PROPN
fsr-3433	1054	17	,	,	PUNCT
fsr-3433	1054	18	c.	c.	PROPN
fsr-3433	1054	19	(	(	PUNCT
fsr-3433	1054	20	2017	2017	NUM
fsr-3433	1054	21	)	)	PUNCT
fsr-3433	1054	22	.	.	PUNCT
fsr-3433	1055	1	financial	financial	ADJ
fsr-3433	1055	2	well	well	ADV
fsr-3433	1055	3	-	-	PUNCT
fsr-3433	1055	4	being	being	NOUN
fsr-3433	1055	5	:	:	PUNCT
fsr-3433	1055	6	a	a	DET
fsr-3433	1055	7	conceptual	conceptual	ADJ
fsr-3433	1055	8	model	model	NOUN
fsr-3433	1055	9	and	and	CCONJ
fsr-3433	1055	10	preliminary	preliminary	ADJ
fsr-3433	1055	11	analysis	analysis	NOUN
fsr-3433	1055	12	.	.	PUNCT
fsr-3433	1056	1	oslo	oslo	PROPN
fsr-3433	1056	2	and	and	CCONJ
fsr-3433	1056	3	akershus	akershus	PROPN
fsr-3433	1056	4	university	university	PROPN
fsr-3433	1056	5	college	college	NOUN
fsr-3433	1056	6	of	of	ADP
fsr-3433	1056	7	applied	apply	VERB
fsr-3433	1056	8	sciences	science	NOUN
fsr-3433	1056	9	,	,	PUNCT
fsr-3433	1056	10	norway	norway	PROPN
fsr-3433	1056	11	.	.	PUNCT
fsr-3433	1057	1	kennedy	kennedy	PROPN
fsr-3433	1057	2	,	,	PUNCT
fsr-3433	1057	3	p.	p.	PROPN
fsr-3433	1057	4	(	(	PUNCT
fsr-3433	1057	5	2003	2003	NUM
fsr-3433	1057	6	)	)	PUNCT
fsr-3433	1057	7	.	.	PUNCT
fsr-3433	1058	1	a	a	DET
fsr-3433	1058	2	guide	guide	NOUN
fsr-3433	1058	3	to	to	ADP
fsr-3433	1058	4	econometrics	econometrics	NOUN
fsr-3433	1058	5	(	(	PUNCT
fsr-3433	1058	6	5th	5th	ADJ
fsr-3433	1058	7	ed	ed	NOUN
fsr-3433	1058	8	.	.	PUNCT
fsr-3433	1058	9	)	)	PUNCT
fsr-3433	1058	10	.	.	PUNCT
fsr-3433	1059	1	cambridge	cambridge	PROPN
fsr-3433	1059	2	,	,	PUNCT
fsr-3433	1059	3	ma	ma	PROPN
fsr-3433	1059	4	:	:	PUNCT
fsr-3433	1059	5	the	the	DET
fsr-3433	1059	6	mit	mit	PROPN
fsr-3433	1059	7	press	press	NOUN
fsr-3433	1059	8	.	.	PUNCT
fsr-3433	1060	1	lin	lin	PROPN
fsr-3433	1060	2	,	,	PUNCT
fsr-3433	1060	3	l.	l.	PROPN
fsr-3433	1060	4	,	,	PUNCT
fsr-3433	1060	5	revindo	revindo	NOUN
fsr-3433	1060	6	,	,	PUNCT
fsr-3433	1060	7	m.	m.	NOUN
fsr-3433	1060	8	d.	d.	PROPN
fsr-3433	1060	9	,	,	PUNCT
fsr-3433	1060	10	gan	gan	PROPN
fsr-3433	1060	11	,	,	PUNCT
fsr-3433	1060	12	c.	c.	PROPN
fsr-3433	1060	13	,	,	PUNCT
fsr-3433	1060	14	&	&	CCONJ
fsr-3433	1060	15	cohen	cohen	PROPN
fsr-3433	1060	16	,	,	PUNCT
fsr-3433	1060	17	d.	d.	PROPN
fsr-3433	1060	18	a.	a.	PROPN
fsr-3433	1060	19	(	(	PUNCT
fsr-3433	1060	20	2019	2019	NUM
fsr-3433	1060	21	)	)	PUNCT
fsr-3433	1060	22	.	.	PUNCT
fsr-3433	1061	1	determinants	determinant	NOUN
fsr-3433	1061	2	of	of	ADP
fsr-3433	1061	3	credit	credit	NOUN
fsr-3433	1061	4	card	card	NOUN
fsr-3433	1061	5	spending	spending	NOUN
fsr-3433	1061	6	and	and	CCONJ
fsr-3433	1061	7	debt	debt	NOUN
fsr-3433	1061	8	of	of	ADP
fsr-3433	1061	9	chinese	chinese	ADJ
fsr-3433	1061	10	consumers	consumer	NOUN
fsr-3433	1061	11	.	.	PUNCT
fsr-3433	1062	1	international	international	ADJ
fsr-3433	1062	2	journal	journal	PROPN
fsr-3433	1062	3	of	of	ADP
fsr-3433	1062	4	bank	bank	PROPN
fsr-3433	1062	5	marketing	marketing	NOUN
fsr-3433	1062	6	,	,	PUNCT
fsr-3433	1062	7	37	37	NUM
fsr-3433	1062	8	,	,	PUNCT
fsr-3433	1062	9	545–564	545–564	NUM
fsr-3433	1062	10	.	.	PUNCT
fsr-3433	1063	1	long	long	ADV
fsr-3433	1063	2	,	,	PUNCT
fsr-3433	1063	3	j.	j.	PROPN
fsr-3433	1063	4	s.	s.	PROPN
fsr-3433	1063	5	,	,	PUNCT
fsr-3433	1063	6	&	&	CCONJ
fsr-3433	1063	7	freese	freese	PROPN
fsr-3433	1063	8	,	,	PUNCT
fsr-3433	1063	9	j.	j.	PROPN
fsr-3433	1063	10	(	(	PUNCT
fsr-3433	1063	11	2006	2006	NUM
fsr-3433	1063	12	)	)	PUNCT
fsr-3433	1063	13	.	.	PUNCT
fsr-3433	1064	1	regression	regression	NOUN
fsr-3433	1064	2	models	model	NOUN
fsr-3433	1064	3	for	for	ADP
fsr-3433	1064	4	categorical	categorical	ADJ
fsr-3433	1064	5	dependent	dependent	ADJ
fsr-3433	1064	6	variables	variable	NOUN
fsr-3433	1064	7	using	use	VERB
fsr-3433	1064	8	stata	stata	NOUN
fsr-3433	1064	9	(	(	PUNCT
fsr-3433	1064	10	2nd	2nd	ADJ
fsr-3433	1064	11	ed	ed	NOUN
fsr-3433	1064	12	.	.	PUNCT
fsr-3433	1064	13	)	)	PUNCT
fsr-3433	1064	14	.	.	PUNCT
fsr-3433	1065	1	college	college	NOUN
fsr-3433	1065	2	station	station	NOUN
fsr-3433	1065	3	,	,	PUNCT
fsr-3433	1065	4	tx	tx	PROPN
fsr-3433	1065	5	:	:	PUNCT
fsr-3433	1065	6	stata	stata	PROPN
fsr-3433	1065	7	press	press	PROPN
fsr-3433	1065	8	.	.	PUNCT
fsr-3433	1066	1	lusardi	lusardi	PROPN
fsr-3433	1066	2	,	,	PUNCT
fsr-3433	1066	3	a.	a.	PROPN
fsr-3433	1066	4	,	,	PUNCT
fsr-3433	1066	5	&	&	CCONJ
fsr-3433	1066	6	mitchell	mitchell	PROPN
fsr-3433	1066	7	,	,	PUNCT
fsr-3433	1066	8	o.	o.	PROPN
fsr-3433	1066	9	s.	s.	PROPN
fsr-3433	1066	10	(	(	PUNCT
fsr-3433	1066	11	2007	2007	NUM
fsr-3433	1066	12	)	)	PUNCT
fsr-3433	1066	13	.	.	PUNCT
fsr-3433	1067	1	financial	financial	ADJ
fsr-3433	1067	2	literacy	literacy	NOUN
fsr-3433	1067	3	and	and	CCONJ
fsr-3433	1067	4	retirement	retirement	NOUN
fsr-3433	1067	5	preparedness	preparedness	NOUN
fsr-3433	1067	6	:	:	PUNCT
fsr-3433	1067	7	evidence	evidence	NOUN
fsr-3433	1067	8	and	and	CCONJ
fsr-3433	1067	9	implications	implication	NOUN
fsr-3433	1067	10	for	for	ADP
fsr-3433	1067	11	financial	financial	ADJ
fsr-3433	1067	12	education	education	NOUN
fsr-3433	1067	13	.	.	PUNCT
fsr-3433	1068	1	business	business	NOUN
fsr-3433	1068	2	economics	economic	NOUN
fsr-3433	1068	3	,	,	PUNCT
fsr-3433	1068	4	42	42	NUM
fsr-3433	1068	5	,	,	PUNCT
fsr-3433	1068	6	35–44	35–44	NUM
fsr-3433	1068	7	.	.	PUNCT
fsr-3433	1068	8	lusardi	lusardi	PROPN
fsr-3433	1068	9	,	,	PUNCT
fsr-3433	1068	10	a.	a.	PROPN
fsr-3433	1068	11	,	,	PUNCT
fsr-3433	1068	12	&	&	CCONJ
fsr-3433	1068	13	mitchell	mitchell	PROPN
fsr-3433	1068	14	,	,	PUNCT
fsr-3433	1068	15	o.	o.	PROPN
fsr-3433	1068	16	s.	s.	PROPN
fsr-3433	1068	17	(	(	PUNCT
fsr-3433	1068	18	2011	2011	NUM
fsr-3433	1068	19	)	)	PUNCT
fsr-3433	1068	20	.	.	PUNCT
fsr-3433	1069	1	financial	financial	ADJ
fsr-3433	1069	2	literacy	literacy	NOUN
fsr-3433	1069	3	and	and	CCONJ
fsr-3433	1069	4	retirement	retirement	NOUN
fsr-3433	1069	5	planning	planning	NOUN
fsr-3433	1069	6	in	in	ADP
fsr-3433	1069	7	the	the	DET
fsr-3433	1069	8	united	united	PROPN
fsr-3433	1069	9	states	states	PROPN
fsr-3433	1069	10	.	.	PUNCT
fsr-3433	1070	1	journal	journal	PROPN
fsr-3433	1070	2	of	of	ADP
fsr-3433	1070	3	pension	pension	NOUN
fsr-3433	1070	4	economics	economic	NOUN
fsr-3433	1070	5	and	and	CCONJ
fsr-3433	1070	6	finance	finance	NOUN
fsr-3433	1070	7	,	,	PUNCT
fsr-3433	1070	8	10	10	NUM
fsr-3433	1070	9	,	,	PUNCT
fsr-3433	1070	10	509–525	509–525	NUM
fsr-3433	1070	11	.	.	PUNCT
fsr-3433	1071	1	lusardi	lusardi	PROPN
fsr-3433	1071	2	,	,	PUNCT
fsr-3433	1071	3	a.	a.	PROPN
fsr-3433	1071	4	,	,	PUNCT
fsr-3433	1071	5	&	&	CCONJ
fsr-3433	1071	6	mitchell	mitchell	PROPN
fsr-3433	1071	7	,	,	PUNCT
fsr-3433	1071	8	o.	o.	PROPN
fsr-3433	1071	9	s.	s.	PROPN
fsr-3433	1071	10	(	(	PUNCT
fsr-3433	1071	11	2013	2013	NUM
fsr-3433	1071	12	)	)	PUNCT
fsr-3433	1071	13	.	.	PUNCT
fsr-3433	1072	1	the	the	DET
fsr-3433	1072	2	economic	economic	ADJ
fsr-3433	1072	3	importance	importance	NOUN
fsr-3433	1072	4	of	of	ADP
fsr-3433	1072	5	financial	financial	ADJ
fsr-3433	1072	6	literacy	literacy	NOUN
fsr-3433	1072	7	:	:	PUNCT
fsr-3433	1072	8	theory	theory	NOUN
fsr-3433	1072	9	and	and	CCONJ
fsr-3433	1072	10	evidence	evidence	NOUN
fsr-3433	1072	11	.	.	PUNCT
fsr-3433	1073	1	working	work	VERB
fsr-3433	1073	2	paper	paper	NOUN
fsr-3433	1073	3	,	,	PUNCT
fsr-3433	1073	4	(	(	PUNCT
fsr-3433	1073	5	no	no	INTJ
fsr-3433	1073	6	.	.	NOUN
fsr-3433	1073	7	18952	18952	NUM
fsr-3433	1073	8	)	)	PUNCT
fsr-3433	1073	9	.	.	PUNCT
fsr-3433	1074	1	cambridge	cambridge	PROPN
fsr-3433	1074	2	,	,	PUNCT
fsr-3433	1074	3	ma	ma	PROPN
fsr-3433	1074	4	.	.	PROPN
fsr-3433	1074	5	lusardi	lusardi	PROPN
fsr-3433	1074	6	,	,	PUNCT
fsr-3433	1074	7	a.	a.	PROPN
fsr-3433	1074	8	,	,	PUNCT
fsr-3433	1074	9	&	&	CCONJ
fsr-3433	1074	10	tufano	tufano	ADJ
fsr-3433	1074	11	,	,	PUNCT
fsr-3433	1074	12	p.	p.	NOUN
fsr-3433	1074	13	(	(	PUNCT
fsr-3433	1074	14	2015	2015	NUM
fsr-3433	1074	15	)	)	PUNCT
fsr-3433	1074	16	.	.	PUNCT
fsr-3433	1075	1	debt	debt	NOUN
fsr-3433	1075	2	literacy	literacy	NOUN
fsr-3433	1075	3	,	,	PUNCT
fsr-3433	1075	4	financial	financial	ADJ
fsr-3433	1075	5	experiences	experience	NOUN
fsr-3433	1075	6	,	,	PUNCT
fsr-3433	1075	7	and	and	CCONJ
fsr-3433	1075	8	overindebtedness	overindebtedness	NOUN
fsr-3433	1075	9	.	.	PUNCT
fsr-3433	1076	1	journal	journal	NOUN
fsr-3433	1076	2	of	of	ADP
fsr-3433	1076	3	pension	pension	NOUN
fsr-3433	1076	4	economics	economic	NOUN
fsr-3433	1076	5	and	and	CCONJ
fsr-3433	1076	6	finance	finance	NOUN
fsr-3433	1076	7	,	,	PUNCT
fsr-3433	1076	8	14	14	NUM
fsr-3433	1076	9	,	,	PUNCT
fsr-3433	1076	10	332–368	332–368	NUM
fsr-3433	1076	11	.	.	PUNCT
fsr-3433	1077	1	martin	martin	PROPN
fsr-3433	1077	2	,	,	PUNCT
fsr-3433	1077	3	t.	t.	PROPN
fsr-3433	1077	4	k.	k.	PROPN
fsr-3433	1077	5	,	,	PUNCT
fsr-3433	1077	6	&	&	CCONJ
fsr-3433	1077	7	finke	finke	PROPN
fsr-3433	1077	8	,	,	PUNCT
fsr-3433	1077	9	m.	m.	NOUN
fsr-3433	1077	10	(	(	PUNCT
fsr-3433	1077	11	2014	2014	NUM
fsr-3433	1077	12	)	)	PUNCT
fsr-3433	1077	13	.	.	PUNCT
fsr-3433	1078	1	a	a	DET
fsr-3433	1078	2	comparison	comparison	NOUN
fsr-3433	1078	3	of	of	ADP
fsr-3433	1078	4	retirement	retirement	NOUN
fsr-3433	1078	5	strategies	strategy	NOUN
fsr-3433	1078	6	and	and	CCONJ
fsr-3433	1078	7	financial	financial	ADJ
fsr-3433	1078	8	planner	planner	NOUN
fsr-3433	1078	9	value	value	NOUN
fsr-3433	1078	10	.	.	PUNCT
fsr-3433	1079	1	journal	journal	NOUN
fsr-3433	1079	2	of	of	ADP
fsr-3433	1079	3	financial	financial	ADJ
fsr-3433	1079	4	planning	planning	NOUN
fsr-3433	1079	5	,	,	PUNCT
fsr-3433	1079	6	27	27	NUM
fsr-3433	1079	7	,	,	PUNCT
fsr-3433	1079	8	46–53	46–53	NUM
fsr-3433	1079	9	.	.	PUNCT
fsr-3433	1080	1	mussida	mussida	PROPN
fsr-3433	1080	2	,	,	PUNCT
fsr-3433	1080	3	c.	c.	PROPN
fsr-3433	1080	4	,	,	PUNCT
fsr-3433	1080	5	&	&	CCONJ
fsr-3433	1080	6	sciulli	sciulli	PROPN
fsr-3433	1080	7	,	,	PUNCT
fsr-3433	1080	8	d.	d.	PROPN
fsr-3433	1080	9	(	(	PUNCT
fsr-3433	1080	10	2019	2019	NUM
fsr-3433	1080	11	)	)	PUNCT
fsr-3433	1080	12	.	.	PUNCT
fsr-3433	1081	1	does	do	AUX
fsr-3433	1081	2	the	the	DET
fsr-3433	1081	3	presence	presence	NOUN
fsr-3433	1081	4	of	of	ADP
fsr-3433	1081	5	a	a	DET
fsr-3433	1081	6	disabled	disabled	ADJ
fsr-3433	1081	7	person	person	NOUN
fsr-3433	1081	8	in	in	ADP
fsr-3433	1081	9	the	the	DET
fsr-3433	1081	10	household	household	NOUN
fsr-3433	1081	11	affect	affect	VERB
fsr-3433	1081	12	the	the	DET
fsr-3433	1081	13	employment	employment	NOUN
fsr-3433	1081	14	probabilities	probability	NOUN
fsr-3433	1081	15	of	of	ADP
fsr-3433	1081	16	cohabiting	cohabit	VERB
fsr-3433	1081	17	women	woman	NOUN
fsr-3433	1081	18	?	?	PUNCT
fsr-3433	1082	1	evidence	evidence	NOUN
fsr-3433	1082	2	from	from	ADP
fsr-3433	1082	3	italy	italy	PROPN
fsr-3433	1082	4	,	,	PUNCT
fsr-3433	1082	5	france	france	PROPN
fsr-3433	1082	6	and	and	CCONJ
fsr-3433	1082	7	the	the	DET
fsr-3433	1082	8	uk	uk	PROPN
fsr-3433	1082	9	.	.	PROPN
fsr-3433	1082	10	journal	journal	PROPN
fsr-3433	1082	11	of	of	ADP
fsr-3433	1082	12	family	family	NOUN
fsr-3433	1082	13	and	and	CCONJ
fsr-3433	1082	14	economic	economic	ADJ
fsr-3433	1082	15	issues	issue	NOUN
fsr-3433	1082	16	,	,	PUNCT
fsr-3433	1082	17	40	40	NUM
fsr-3433	1082	18	,	,	PUNCT
fsr-3433	1082	19	338–351	338–351	NUM
fsr-3433	1082	20	.	.	PUNCT
fsr-3433	1083	1	norvilitis	norvilitis	PROPN
fsr-3433	1083	2	,	,	PUNCT
fsr-3433	1083	3	j.	j.	PROPN
fsr-3433	1083	4	m.	m.	PROPN
fsr-3433	1083	5	,	,	PUNCT
fsr-3433	1083	6	merwin	merwin	PROPN
fsr-3433	1083	7	,	,	PUNCT
fsr-3433	1083	8	m.	m.	NOUN
fsr-3433	1083	9	m.	m.	NOUN
fsr-3433	1083	10	,	,	PUNCT
fsr-3433	1083	11	osberg	osberg	PROPN
fsr-3433	1083	12	,	,	PUNCT
fsr-3433	1083	13	t.	t.	NOUN
fsr-3433	1083	14	m.	m.	NOUN
fsr-3433	1083	15	,	,	PUNCT
fsr-3433	1083	16	roehling	roehling	NOUN
fsr-3433	1083	17	,	,	PUNCT
fsr-3433	1083	18	p.	p.	NOUN
fsr-3433	1083	19	v.	v.	NOUN
fsr-3433	1083	20	,	,	PUNCT
fsr-3433	1083	21	young	young	ADJ
fsr-3433	1083	22	,	,	PUNCT
fsr-3433	1083	23	p.	p.	NOUN
fsr-3433	1083	24	,	,	PUNCT
fsr-3433	1083	25	&	&	CCONJ
fsr-3433	1083	26	kamas	kamas	PROPN
fsr-3433	1083	27	,	,	PUNCT
fsr-3433	1083	28	m.	m.	NOUN
fsr-3433	1083	29	m.	m.	NOUN
fsr-3433	1083	30	(	(	PUNCT
fsr-3433	1083	31	2006	2006	NUM
fsr-3433	1083	32	)	)	PUNCT
fsr-3433	1083	33	.	.	PUNCT
fsr-3433	1084	1	personality	personality	NOUN
fsr-3433	1084	2	factors	factor	NOUN
fsr-3433	1084	3	,	,	PUNCT
fsr-3433	1084	4	money	money	NOUN
fsr-3433	1084	5	attitudes	attitude	NOUN
fsr-3433	1084	6	,	,	PUNCT
fsr-3433	1084	7	financial	financial	ADJ
fsr-3433	1084	8	knowledge	knowledge	NOUN
fsr-3433	1084	9	,	,	PUNCT
fsr-3433	1084	10	and	and	CCONJ
fsr-3433	1084	11	credit	credit	NOUN
fsr-3433	1084	12	-	-	PUNCT
fsr-3433	1084	13	card	card	NOUN
fsr-3433	1084	14	debt	debt	NOUN
fsr-3433	1084	15	in	in	ADP
fsr-3433	1084	16	college	college	NOUN
fsr-3433	1084	17	students	student	NOUN
fsr-3433	1084	18	.	.	PUNCT
fsr-3433	1085	1	journal	journal	PROPN
fsr-3433	1085	2	of	of	ADP
fsr-3433	1085	3	applied	apply	VERB
fsr-3433	1085	4	social	social	ADJ
fsr-3433	1085	5	psychology	psychology	NOUN
fsr-3433	1085	6	,	,	PUNCT
fsr-3433	1085	7	36	36	NUM
fsr-3433	1085	8	,	,	PUNCT
fsr-3433	1085	9	1395–1413	1395–1413	NUM
fsr-3433	1085	10	.	.	PUNCT
fsr-3433	1086	1	oecd	oecd	PROPN
fsr-3433	1086	2	.	.	PUNCT
fsr-3433	1087	1	(	(	PUNCT
fsr-3433	1087	2	2016	2016	NUM
fsr-3433	1087	3	)	)	PUNCT
fsr-3433	1087	4	.	.	PUNCT
fsr-3433	1088	1	oecd	oecd	PROPN
fsr-3433	1088	2	/	/	SYM
fsr-3433	1088	3	infe	infe	PROPN
fsr-3433	1088	4	international	international	ADJ
fsr-3433	1088	5	survey	survey	NOUN
fsr-3433	1088	6	of	of	ADP
fsr-3433	1088	7	adult	adult	NOUN
fsr-3433	1088	8	financial	financial	ADJ
fsr-3433	1088	9	literacy	literacy	NOUN
fsr-3433	1088	10	competencies	competency	NOUN
fsr-3433	1088	11	.	.	PUNCT
fsr-3433	1089	1	available	available	ADJ
fsr-3433	1089	2	at	at	ADP
fsr-3433	1089	3	https://	https://	PROPN
fsr-3433	1089	4	www.oecd.org/finance/oecd-infe-international-survey-of-adult-financial-literacy-competencies.pdf	www.oecd.org/finance/oecd-infe-international-survey-of-adult-financial-literacy-competencies.pdf	PROPN
fsr-3433	1089	5	ottaviani	ottaviani	VERB
fsr-3433	1089	6	,	,	PUNCT
fsr-3433	1089	7	c.	c.	PROPN
fsr-3433	1089	8	,	,	PUNCT
fsr-3433	1089	9	&	&	CCONJ
fsr-3433	1089	10	vandone	vandone	NOUN
fsr-3433	1089	11	,	,	PUNCT
fsr-3433	1089	12	d.	d.	PROPN
fsr-3433	1089	13	(	(	PUNCT
fsr-3433	1089	14	2018	2018	NUM
fsr-3433	1089	15	)	)	PUNCT
fsr-3433	1089	16	.	.	PUNCT
fsr-3433	1090	1	financial	financial	ADJ
fsr-3433	1090	2	literacy	literacy	NOUN
fsr-3433	1090	3	,	,	PUNCT
fsr-3433	1090	4	debt	debt	NOUN
fsr-3433	1090	5	burden	burden	NOUN
fsr-3433	1090	6	and	and	CCONJ
fsr-3433	1090	7	impulsivity	impulsivity	NOUN
fsr-3433	1090	8	:	:	PUNCT
fsr-3433	1090	9	a	a	DET
fsr-3433	1090	10	mediation	mediation	NOUN
fsr-3433	1090	11	analysis	analysis	NOUN
fsr-3433	1090	12	.	.	PUNCT
fsr-3433	1091	1	economic	economic	ADJ
fsr-3433	1091	2	notes	note	NOUN
fsr-3433	1091	3	,	,	PUNCT
fsr-3433	1091	4	47	47	NUM
fsr-3433	1091	5	,	,	PUNCT
fsr-3433	1091	6	439–454	439–454	NUM
fsr-3433	1091	7	.	.	PUNCT
fsr-3433	1091	8	remund	remund	NOUN
fsr-3433	1091	9	,	,	PUNCT
fsr-3433	1091	10	d.	d.	PROPN
fsr-3433	1091	11	l.	l.	PROPN
fsr-3433	1091	12	(	(	PUNCT
fsr-3433	1091	13	2010	2010	NUM
fsr-3433	1091	14	)	)	PUNCT
fsr-3433	1091	15	.	.	PUNCT
fsr-3433	1092	1	financial	financial	ADJ
fsr-3433	1092	2	literacy	literacy	NOUN
fsr-3433	1092	3	explicated	explicate	VERB
fsr-3433	1092	4	:	:	PUNCT
fsr-3433	1092	5	the	the	DET
fsr-3433	1092	6	case	case	NOUN
fsr-3433	1092	7	for	for	ADP
fsr-3433	1092	8	a	a	DET
fsr-3433	1092	9	clearer	clear	ADJ
fsr-3433	1092	10	definition	definition	NOUN
fsr-3433	1092	11	in	in	ADP
fsr-3433	1092	12	an	an	DET
fsr-3433	1092	13	increasingly	increasingly	ADV
fsr-3433	1092	14	complex	complex	ADJ
fsr-3433	1092	15	economy	economy	NOUN
fsr-3433	1092	16	.	.	PUNCT
fsr-3433	1093	1	journal	journal	PROPN
fsr-3433	1093	2	of	of	ADP
fsr-3433	1093	3	consumer	consumer	NOUN
fsr-3433	1093	4	affairs	affair	NOUN
fsr-3433	1093	5	,	,	PUNCT
fsr-3433	1093	6	44	44	NUM
fsr-3433	1093	7	,	,	PUNCT
fsr-3433	1093	8	276–295	276–295	NUM
fsr-3433	1093	9	.	.	PUNCT
fsr-3433	1094	1	reyers	reyer	NOUN
fsr-3433	1094	2	,	,	PUNCT
fsr-3433	1094	3	m.	m.	NOUN
fsr-3433	1094	4	(	(	PUNCT
fsr-3433	1094	5	2019	2019	NUM
fsr-3433	1094	6	)	)	PUNCT
fsr-3433	1094	7	.	.	PUNCT
fsr-3433	1095	1	financial	financial	ADJ
fsr-3433	1095	2	capability	capability	NOUN
fsr-3433	1095	3	and	and	CCONJ
fsr-3433	1095	4	emergency	emergency	NOUN
fsr-3433	1095	5	savings	saving	NOUN
fsr-3433	1095	6	among	among	ADP
fsr-3433	1095	7	south	south	PROPN
fsr-3433	1095	8	africans	africans	PROPN
fsr-3433	1095	9	living	live	VERB
fsr-3433	1095	10	above	above	ADP
fsr-3433	1095	11	and	and	CCONJ
fsr-3433	1095	12	below	below	ADP
fsr-3433	1095	13	the	the	DET
fsr-3433	1095	14	poverty	poverty	NOUN
fsr-3433	1095	15	line	line	NOUN
fsr-3433	1095	16	.	.	PUNCT
fsr-3433	1096	1	international	international	ADJ
fsr-3433	1096	2	journal	journal	PROPN
fsr-3433	1096	3	of	of	ADP
fsr-3433	1096	4	consumer	consumer	NOUN
fsr-3433	1096	5	studies	study	NOUN
fsr-3433	1096	6	,	,	PUNCT
fsr-3433	1096	7	43	43	NUM
fsr-3433	1096	8	,	,	PUNCT
fsr-3433	1096	9	335–347	335–347	NUM
fsr-3433	1096	10	.	.	PUNCT
fsr-3433	1097	1	richards	richards	PROPN
fsr-3433	1097	2	,	,	PUNCT
fsr-3433	1097	3	d.	d.	PROPN
fsr-3433	1097	4	w.	w.	PROPN
fsr-3433	1097	5	,	,	PUNCT
fsr-3433	1097	6	ahmed	ahmed	PROPN
fsr-3433	1097	7	,	,	PUNCT
fsr-3433	1097	8	a.	a.	PROPN
fsr-3433	1097	9	d.	d.	PROPN
fsr-3433	1097	10	,	,	PUNCT
fsr-3433	1097	11	&	&	CCONJ
fsr-3433	1097	12	tahir	tahir	PROPN
fsr-3433	1097	13	,	,	PUNCT
fsr-3433	1097	14	m.	m.	PROPN
fsr-3433	1097	15	s.	s.	PROPN
fsr-3433	1097	16	(	(	PUNCT
fsr-3433	1097	17	2019	2019	NUM
fsr-3433	1097	18	)	)	PUNCT
fsr-3433	1097	19	.	.	PUNCT
fsr-3433	1098	1	addressing	address	VERB
fsr-3433	1098	2	the	the	DET
fsr-3433	1098	3	challenge	challenge	NOUN
fsr-3433	1098	4	of	of	ADP
fsr-3433	1098	5	problematic	problematic	ADJ
fsr-3433	1098	6	debt	debt	NOUN
fsr-3433	1098	7	:	:	PUNCT
fsr-3433	1098	8	australia	australia	PROPN
fsr-3433	1098	9	and	and	CCONJ
fsr-3433	1098	10	eurozone	eurozone	NOUN
fsr-3433	1098	11	.	.	PUNCT
fsr-3433	1099	1	available	available	ADJ
fsr-3433	1099	2	at	at	ADP
fsr-3433	1099	3	https://www.thinkforwardinitiative.com/research/addressing-the-challenge-ofproblematic-debt-australia-and-eurozone	https://www.thinkforwardinitiative.com/research/addressing-the-challenge-ofproblematic-debt-australia-and-eurozone	PROPN
fsr-3433	1099	4	richardson	richardson	PROPN
fsr-3433	1099	5	,	,	PUNCT
fsr-3433	1099	6	s.	s.	PROPN
fsr-3433	1099	7	(	(	PUNCT
fsr-3433	1099	8	2013	2013	NUM
fsr-3433	1099	9	)	)	PUNCT
fsr-3433	1099	10	.	.	PUNCT
fsr-3433	1100	1	a	a	DET
fsr-3433	1100	2	reflection	reflection	NOUN
fsr-3433	1100	3	on	on	ADP
fsr-3433	1100	4	the	the	DET
fsr-3433	1100	5	household	household	NOUN
fsr-3433	1100	6	,	,	PUNCT
fsr-3433	1100	7	income	income	NOUN
fsr-3433	1100	8	and	and	CCONJ
fsr-3433	1100	9	labour	labour	NOUN
fsr-3433	1100	10	dynamics	dynamic	NOUN
fsr-3433	1100	11	in	in	ADP
fsr-3433	1100	12	australia	australia	PROPN
fsr-3433	1100	13	survey	survey	NOUN
fsr-3433	1100	14	.	.	PUNCT
fsr-3433	1101	1	the	the	DET
fsr-3433	1101	2	australian	australian	ADJ
fsr-3433	1101	3	economic	economic	ADJ
fsr-3433	1101	4	review	review	NOUN
fsr-3433	1101	5	,	,	PUNCT
fsr-3433	1101	6	46	46	NUM
fsr-3433	1101	7	,	,	PUNCT
fsr-3433	1101	8	216–222	216–222	NUM
fsr-3433	1101	9	.	.	PUNCT
fsr-3433	1102	1	robb	robb	NOUN
fsr-3433	1102	2	,	,	PUNCT
fsr-3433	1102	3	c.	c.	PROPN
fsr-3433	1102	4	a.	a.	PROPN
fsr-3433	1102	5	(	(	PUNCT
fsr-3433	1102	6	2011	2011	NUM
fsr-3433	1102	7	)	)	PUNCT
fsr-3433	1102	8	.	.	PUNCT
fsr-3433	1103	1	financial	financial	ADJ
fsr-3433	1103	2	knowledge	knowledge	NOUN
fsr-3433	1103	3	and	and	CCONJ
fsr-3433	1103	4	credit	credit	NOUN
fsr-3433	1103	5	card	card	NOUN
fsr-3433	1103	6	behavior	behavior	NOUN
fsr-3433	1103	7	of	of	ADP
fsr-3433	1103	8	college	college	NOUN
fsr-3433	1103	9	students	student	NOUN
fsr-3433	1103	10	.	.	PUNCT
fsr-3433	1104	1	journal	journal	PROPN
fsr-3433	1104	2	of	of	ADP
fsr-3433	1104	3	family	family	NOUN
fsr-3433	1104	4	and	and	CCONJ
fsr-3433	1104	5	economic	economic	ADJ
fsr-3433	1104	6	issues	issue	NOUN
fsr-3433	1104	7	,	,	PUNCT
fsr-3433	1104	8	32	32	NUM
fsr-3433	1104	9	,	,	PUNCT
fsr-3433	1104	10	690–698	690–698	NUM
fsr-3433	1104	11	.	.	PUNCT
fsr-3433	1105	1	300	300	NUM
fsr-3433	1105	2	m.	m.	NOUN
fsr-3433	1105	3	s.	s.	PROPN
fsr-3433	1105	4	tahir	tahir	PROPN
fsr-3433	1105	5	et	et	PROPN
fsr-3433	1105	6	al	al	PROPN
fsr-3433	1105	7	.	.	PUNCT
fsr-3433	1105	8	/	/	SYM
fsr-3433	1105	9	financial	financial	ADJ
fsr-3433	1105	10	services	service	NOUN
fsr-3433	1105	11	review	review	VERB
fsr-3433	1105	12	28	28	NUM
fsr-3433	1105	13	(	(	PUNCT
fsr-3433	1105	14	2020	2020	NUM
fsr-3433	1105	15	)	)	PUNCT
fsr-3433	1105	16	273–301	273–301	NUM
fsr-3433	1105	17	shih	shih	NOUN
fsr-3433	1105	18	,	,	PUNCT
fsr-3433	1105	19	t.	t.	PROPN
fsr-3433	1105	20	,	,	PUNCT
fsr-3433	1105	21	&	&	CCONJ
fsr-3433	1105	22	ke	ke	PROPN
fsr-3433	1105	23	,	,	PUNCT
fsr-3433	1105	24	s.	s.	PROPN
fsr-3433	1105	25	(	(	PUNCT
fsr-3433	1105	26	2014	2014	NUM
fsr-3433	1105	27	)	)	PUNCT
fsr-3433	1105	28	.	.	PUNCT
fsr-3433	1106	1	determinates	determinate	NOUN
fsr-3433	1106	2	of	of	ADP
fsr-3433	1106	3	financial	financial	ADJ
fsr-3433	1106	4	behavior	behavior	NOUN
fsr-3433	1106	5	:	:	PUNCT
fsr-3433	1106	6	insights	insight	NOUN
fsr-3433	1106	7	into	into	ADP
fsr-3433	1106	8	consumer	consumer	NOUN
fsr-3433	1106	9	money	money	NOUN
fsr-3433	1106	10	attitudes	attitude	NOUN
fsr-3433	1106	11	and	and	CCONJ
fsr-3433	1106	12	financial	financial	ADJ
fsr-3433	1106	13	literacy	literacy	NOUN
fsr-3433	1106	14	.	.	PUNCT
fsr-3433	1107	1	service	service	NOUN
fsr-3433	1107	2	business	business	NOUN
fsr-3433	1107	3	,	,	PUNCT
fsr-3433	1107	4	8	8	NUM
fsr-3433	1107	5	,	,	PUNCT
fsr-3433	1107	6	217–238	217–238	NUM
fsr-3433	1107	7	.	.	PUNCT
fsr-3433	1108	1	solis	solis	PROPN
fsr-3433	1108	2	,	,	PUNCT
fsr-3433	1108	3	o.	o.	PROPN
fsr-3433	1108	4	,	,	PUNCT
fsr-3433	1108	5	&	&	CCONJ
fsr-3433	1108	6	ferguson	ferguson	PROPN
fsr-3433	1108	7	,	,	PUNCT
fsr-3433	1108	8	r.	r.	PROPN
fsr-3433	1108	9	(	(	PUNCT
fsr-3433	1108	10	2017	2017	NUM
fsr-3433	1108	11	)	)	PUNCT
fsr-3433	1108	12	.	.	PUNCT
fsr-3433	1109	1	the	the	DET
fsr-3433	1109	2	relationship	relationship	NOUN
fsr-3433	1109	3	of	of	ADP
fsr-3433	1109	4	student	student	NOUN
fsr-3433	1109	5	loan	loan	NOUN
fsr-3433	1109	6	and	and	CCONJ
fsr-3433	1109	7	credit	credit	NOUN
fsr-3433	1109	8	card	card	NOUN
fsr-3433	1109	9	debt	debt	NOUN
fsr-3433	1109	10	on	on	ADP
fsr-3433	1109	11	financial	financial	ADJ
fsr-3433	1109	12	satisfaction	satisfaction	NOUN
fsr-3433	1109	13	of	of	ADP
fsr-3433	1109	14	college	college	NOUN
fsr-3433	1109	15	students	student	NOUN
fsr-3433	1109	16	.	.	PUNCT
fsr-3433	1110	1	college	college	NOUN
fsr-3433	1110	2	student	student	NOUN
fsr-3433	1110	3	journal	journal	NOUN
fsr-3433	1110	4	,	,	PUNCT
fsr-3433	1110	5	51	51	NUM
fsr-3433	1110	6	,	,	PUNCT
fsr-3433	1110	7	329–336	329–336	NUM
fsr-3433	1110	8	.	.	PUNCT
fsr-3433	1110	9	soman	soman	NOUN
fsr-3433	1110	10	,	,	PUNCT
fsr-3433	1110	11	d.	d.	PROPN
fsr-3433	1110	12	,	,	PUNCT
fsr-3433	1110	13	&	&	CCONJ
fsr-3433	1110	14	cheema	cheema	PROPN
fsr-3433	1110	15	,	,	PUNCT
fsr-3433	1110	16	a.	a.	PROPN
fsr-3433	1110	17	(	(	PUNCT
fsr-3433	1110	18	2002	2002	NUM
fsr-3433	1110	19	)	)	PUNCT
fsr-3433	1110	20	.	.	PUNCT
fsr-3433	1111	1	the	the	DET
fsr-3433	1111	2	effect	effect	NOUN
fsr-3433	1111	3	of	of	ADP
fsr-3433	1111	4	credit	credit	NOUN
fsr-3433	1111	5	on	on	ADP
fsr-3433	1111	6	spending	spending	NOUN
fsr-3433	1111	7	decisions	decision	NOUN
fsr-3433	1111	8	:	:	PUNCT
fsr-3433	1111	9	the	the	DET
fsr-3433	1111	10	role	role	NOUN
fsr-3433	1111	11	of	of	ADP
fsr-3433	1111	12	the	the	DET
fsr-3433	1111	13	credit	credit	NOUN
fsr-3433	1111	14	limit	limit	NOUN
fsr-3433	1111	15	and	and	CCONJ
fsr-3433	1111	16	credibility.marketing	credibility.markete	VERB
fsr-3433	1111	17	science	science	NOUN
fsr-3433	1111	18	,	,	PUNCT
fsr-3433	1111	19	21	21	NUM
fsr-3433	1111	20	,	,	PUNCT
fsr-3433	1111	21	32–53	32–53	NUM
fsr-3433	1111	22	.	.	PUNCT
fsr-3433	1112	1	stewart	stewart	PROPN
fsr-3433	1112	2	,	,	PUNCT
fsr-3433	1112	3	m.	m.	PROPN
fsr-3433	1112	4	b.	b.	PROPN
fsr-3433	1112	5	(	(	PUNCT
fsr-3433	1112	6	2007	2007	NUM
fsr-3433	1112	7	)	)	PUNCT
fsr-3433	1112	8	.	.	PUNCT
fsr-3433	1113	1	the	the	DET
fsr-3433	1113	2	interrelated	interrelated	ADJ
fsr-3433	1113	3	dynamics	dynamic	NOUN
fsr-3433	1113	4	of	of	ADP
fsr-3433	1113	5	unemployment	unemployment	NOUN
fsr-3433	1113	6	and	and	CCONJ
fsr-3433	1113	7	low	low	ADJ
fsr-3433	1113	8	-	-	PUNCT
fsr-3433	1113	9	wage	wage	NOUN
fsr-3433	1113	10	employment	employment	NOUN
fsr-3433	1113	11	.	.	PUNCT
fsr-3433	1114	1	journal	journal	PROPN
fsr-3433	1114	2	of	of	ADP
fsr-3433	1114	3	applied	applied	ADJ
fsr-3433	1114	4	econometrics	econometric	NOUN
fsr-3433	1114	5	,	,	PUNCT
fsr-3433	1114	6	22	22	NUM
fsr-3433	1114	7	,	,	PUNCT
fsr-3433	1114	8	511–531	511–531	NUM
fsr-3433	1114	9	.	.	PUNCT
fsr-3433	1114	10	summerfield	summerfield	PROPN
fsr-3433	1114	11	,	,	PUNCT
fsr-3433	1114	12	m.	m.	NOUN
fsr-3433	1114	13	,	,	PUNCT
fsr-3433	1114	14	bevitt	bevitt	VERB
fsr-3433	1114	15	,	,	PUNCT
fsr-3433	1114	16	a.	a.	NOUN
fsr-3433	1114	17	,	,	PUNCT
fsr-3433	1114	18	freidin	freidin	PROPN
fsr-3433	1114	19	,	,	PUNCT
fsr-3433	1114	20	s.	s.	PROPN
fsr-3433	1114	21	,	,	PUNCT
fsr-3433	1114	22	hahn	hahn	PROPN
fsr-3433	1114	23	,	,	PUNCT
fsr-3433	1114	24	m.	m.	NOUN
fsr-3433	1114	25	,	,	PUNCT
fsr-3433	1114	26	la	la	PROPN
fsr-3433	1114	27	,	,	PUNCT
fsr-3433	1114	28	n.	n.	NOUN
fsr-3433	1114	29	,	,	PUNCT
fsr-3433	1114	30	macalalad	macalalad	NOUN
fsr-3433	1114	31	,	,	PUNCT
fsr-3433	1114	32	n.	n.	NOUN
fsr-3433	1114	33	,	,	PUNCT
fsr-3433	1114	34	.	.	PUNCT
fsr-3433	1114	35	.	.	PUNCT
fsr-3433	1114	36	.	.	PUNCT
fsr-3433	1115	1	wooden	wooden	ADJ
fsr-3433	1115	2	,	,	PUNCT
fsr-3433	1115	3	m.	m.	NOUN
fsr-3433	1115	4	(	(	PUNCT
fsr-3433	1115	5	2017	2017	NUM
fsr-3433	1115	6	)	)	PUNCT
fsr-3433	1115	7	.	.	PUNCT
fsr-3433	1116	1	hilda	hilda	PROPN
fsr-3433	1116	2	user	user	PROPN
fsr-3433	1116	3	manual	manual	NOUN
fsr-3433	1116	4	release	release	VERB
fsr-3433	1116	5	16	16	NUM
fsr-3433	1116	6	.	.	PUNCT
fsr-3433	1117	1	melbourne	melbourne	PROPN
fsr-3433	1117	2	institute	institute	PROPN
fsr-3433	1117	3	of	of	ADP
fsr-3433	1117	4	applied	apply	VERB
fsr-3433	1117	5	economic	economic	ADJ
fsr-3433	1117	6	and	and	CCONJ
fsr-3433	1117	7	social	social	ADJ
fsr-3433	1117	8	research	research	NOUN
fsr-3433	1117	9	,	,	PUNCT
fsr-3433	1117	10	university	university	NOUN
fsr-3433	1117	11	of	of	ADP
fsr-3433	1117	12	melbourne	melbourne	PROPN
fsr-3433	1117	13	,	,	PUNCT
fsr-3433	1117	14	melbourne	melbourne	PROPN
fsr-3433	1117	15	.	.	PUNCT
fsr-3433	1118	1	tippett	tippett	PROPN
fsr-3433	1118	2	,	,	PUNCT
fsr-3433	1118	3	r.	r.	PROPN
fsr-3433	1118	4	m.	m.	PROPN
fsr-3433	1118	5	(	(	PUNCT
fsr-3433	1118	6	2010	2010	NUM
fsr-3433	1118	7	)	)	PUNCT
fsr-3433	1118	8	.	.	PUNCT
fsr-3433	1119	1	household	household	NOUN
fsr-3433	1119	2	debt	debt	NOUN
fsr-3433	1119	3	across	across	ADP
fsr-3433	1119	4	the	the	DET
fsr-3433	1119	5	life	life	NOUN
fsr-3433	1119	6	course	course	NOUN
fsr-3433	1119	7	:	:	PUNCT
fsr-3433	1119	8	an	an	DET
fsr-3433	1119	9	analysis	analysis	NOUN
fsr-3433	1119	10	of	of	ADP
fsr-3433	1119	11	the	the	DET
fsr-3433	1119	12	late	late	ADJ
fsr-3433	1119	13	baby	baby	NOUN
fsr-3433	1119	14	boomers	boomer	NOUN
fsr-3433	1119	15	(	(	PUNCT
fsr-3433	1119	16	doctor	doctor	NOUN
fsr-3433	1119	17	of	of	ADP
fsr-3433	1119	18	philosophy	philosophy	NOUN
fsr-3433	1119	19	)	)	PUNCT
fsr-3433	1119	20	.	.	PUNCT
fsr-3433	1120	1	duke	duke	PROPN
fsr-3433	1120	2	university	university	PROPN
fsr-3433	1120	3	,	,	PUNCT
fsr-3433	1120	4	durham	durham	PROPN
fsr-3433	1120	5	,	,	PUNCT
fsr-3433	1120	6	nc	nc	PROPN
fsr-3433	1120	7	.	.	PROPN
fsr-3433	1120	8	turunen	turunen	PROPN
fsr-3433	1120	9	,	,	PUNCT
fsr-3433	1120	10	e.	e.	PROPN
fsr-3433	1120	11	,	,	PUNCT
fsr-3433	1120	12	&	&	CCONJ
fsr-3433	1120	13	hiilamo	hiilamo	PROPN
fsr-3433	1120	14	,	,	PUNCT
fsr-3433	1120	15	h.	h.	PROPN
fsr-3433	1120	16	(	(	PUNCT
fsr-3433	1120	17	2014	2014	NUM
fsr-3433	1120	18	)	)	PUNCT
fsr-3433	1120	19	.	.	PUNCT
fsr-3433	1121	1	health	health	NOUN
fsr-3433	1121	2	effects	effect	NOUN
fsr-3433	1121	3	of	of	ADP
fsr-3433	1121	4	indebtedness	indebtedness	NOUN
fsr-3433	1121	5	:	:	PUNCT
fsr-3433	1121	6	a	a	DET
fsr-3433	1121	7	systematic	systematic	ADJ
fsr-3433	1121	8	review	review	NOUN
fsr-3433	1121	9	.	.	PUNCT
fsr-3433	1122	1	bmc	bmc	ADJ
fsr-3433	1122	2	public	public	ADJ
fsr-3433	1122	3	health	health	NOUN
fsr-3433	1122	4	,	,	PUNCT
fsr-3433	1122	5	14	14	NUM
fsr-3433	1122	6	,	,	PUNCT
fsr-3433	1122	7	489	489	NUM
fsr-3433	1122	8	.	.	PUNCT
fsr-3433	1123	1	van	van	PROPN
fsr-3433	1123	2	rooij	rooij	NOUN
fsr-3433	1123	3	,	,	PUNCT
fsr-3433	1123	4	m.	m.	PROPN
fsr-3433	1123	5	c.	c.	PROPN
fsr-3433	1123	6	j.	j.	PROPN
fsr-3433	1123	7	,	,	PUNCT
fsr-3433	1123	8	lusardi	lusardi	PROPN
fsr-3433	1123	9	,	,	PUNCT
fsr-3433	1123	10	a.	a.	NOUN
fsr-3433	1123	11	,	,	PUNCT
fsr-3433	1123	12	&	&	CCONJ
fsr-3433	1123	13	alessie	alessie	PROPN
fsr-3433	1123	14	,	,	PUNCT
fsr-3433	1123	15	r.	r.	PROPN
fsr-3433	1123	16	j.	j.	PROPN
fsr-3433	1123	17	m.	m.	PROPN
fsr-3433	1123	18	(	(	PUNCT
fsr-3433	1123	19	2011	2011	NUM
fsr-3433	1123	20	)	)	PUNCT
fsr-3433	1123	21	.	.	PUNCT
fsr-3433	1124	1	financial	financial	ADJ
fsr-3433	1124	2	literacy	literacy	NOUN
fsr-3433	1124	3	and	and	CCONJ
fsr-3433	1124	4	retirement	retirement	NOUN
fsr-3433	1124	5	planning	planning	NOUN
fsr-3433	1124	6	in	in	ADP
fsr-3433	1124	7	the	the	DET
fsr-3433	1124	8	netherlands	netherlands	PROPN
fsr-3433	1124	9	.	.	PUNCT
fsr-3433	1125	1	journal	journal	PROPN
fsr-3433	1125	2	of	of	ADP
fsr-3433	1125	3	economic	economic	ADJ
fsr-3433	1125	4	psychology	psychology	NOUN
fsr-3433	1125	5	,	,	PUNCT
fsr-3433	1125	6	32	32	NUM
fsr-3433	1125	7	,	,	PUNCT
fsr-3433	1125	8	593–608	593–608	NUM
fsr-3433	1125	9	.	.	PUNCT
fsr-3433	1125	10	watson	watson	PROPN
fsr-3433	1125	11	,	,	PUNCT
fsr-3433	1125	12	n.	n.	NOUN
fsr-3433	1125	13	,	,	PUNCT
fsr-3433	1125	14	&	&	CCONJ
fsr-3433	1125	15	wooden	wooden	ADJ
fsr-3433	1125	16	,	,	PUNCT
fsr-3433	1125	17	m.	m.	NOUN
fsr-3433	1125	18	(	(	PUNCT
fsr-3433	1125	19	2010	2010	NUM
fsr-3433	1125	20	)	)	PUNCT
fsr-3433	1125	21	.	.	PUNCT
fsr-3433	1126	1	the	the	DET
fsr-3433	1126	2	hilda	hilda	PROPN
fsr-3433	1126	3	survey	survey	NOUN
fsr-3433	1126	4	:	:	PUNCT
fsr-3433	1126	5	progress	progress	NOUN
fsr-3433	1126	6	and	and	CCONJ
fsr-3433	1126	7	future	future	ADJ
fsr-3433	1126	8	developments	development	NOUN
fsr-3433	1126	9	.	.	PUNCT
fsr-3433	1127	1	the	the	PRON
fsr-3433	1127	2	.	.	PUNCT
fsr-3433	1128	1	australian	australian	ADJ
fsr-3433	1128	2	economic	economic	ADJ
fsr-3433	1128	3	review	review	NOUN
fsr-3433	1128	4	,	,	PUNCT
fsr-3433	1128	5	43	43	NUM
fsr-3433	1128	6	,	,	PUNCT
fsr-3433	1128	7	326–336	326–336	NUM
fsr-3433	1128	8	.	.	PUNCT
fsr-3433	1129	1	west	west	PROPN
fsr-3433	1129	2	,	,	PUNCT
fsr-3433	1129	3	t.	t.	PROPN
fsr-3433	1129	4	,	,	PUNCT
fsr-3433	1129	5	&	&	CCONJ
fsr-3433	1129	6	worthington	worthington	PROPN
fsr-3433	1129	7	,	,	PUNCT
fsr-3433	1129	8	a.	a.	PROPN
fsr-3433	1129	9	c.	c.	PROPN
fsr-3433	1129	10	(	(	PUNCT
fsr-3433	1129	11	2014	2014	NUM
fsr-3433	1129	12	)	)	PUNCT
fsr-3433	1129	13	.	.	PUNCT
fsr-3433	1130	1	macroeconomic	macroeconomic	ADJ
fsr-3433	1130	2	conditions	condition	NOUN
fsr-3433	1130	3	and	and	CCONJ
fsr-3433	1130	4	australian	australian	ADJ
fsr-3433	1130	5	financial	financial	ADJ
fsr-3433	1130	6	risk	risk	NOUN
fsr-3433	1130	7	attitudes	attitude	NOUN
fsr-3433	1130	8	,	,	PUNCT
fsr-3433	1130	9	2001	2001	NUM
fsr-3433	1130	10	–	–	PUNCT
fsr-3433	1130	11	2010	2010	NUM
fsr-3433	1130	12	.	.	PUNCT
fsr-3433	1131	1	journal	journal	PROPN
fsr-3433	1131	2	of	of	ADP
fsr-3433	1131	3	family	family	NOUN
fsr-3433	1131	4	and	and	CCONJ
fsr-3433	1131	5	economic	economic	ADJ
fsr-3433	1131	6	issues	issue	NOUN
fsr-3433	1131	7	,	,	PUNCT
fsr-3433	1131	8	35	35	NUM
fsr-3433	1131	9	,	,	PUNCT
fsr-3433	1131	10	263–277	263–277	NUM
fsr-3433	1131	11	.	.	PUNCT
fsr-3433	1132	1	wooden	wooden	ADJ
fsr-3433	1132	2	,	,	PUNCT
fsr-3433	1132	3	m.	m.	NOUN
fsr-3433	1132	4	,	,	PUNCT
fsr-3433	1132	5	freidin	freidin	PROPN
fsr-3433	1132	6	,	,	PUNCT
fsr-3433	1132	7	s.	s.	PROPN
fsr-3433	1132	8	,	,	PUNCT
fsr-3433	1132	9	&	&	CCONJ
fsr-3433	1132	10	watson	watson	PROPN
fsr-3433	1132	11	,	,	PUNCT
fsr-3433	1132	12	n.	n.	PROPN
fsr-3433	1132	13	(	(	PUNCT
fsr-3433	1132	14	2002	2002	NUM
fsr-3433	1132	15	)	)	PUNCT
fsr-3433	1132	16	.	.	PUNCT
fsr-3433	1133	1	the	the	DET
fsr-3433	1133	2	household	household	NOUN
fsr-3433	1133	3	,	,	PUNCT
fsr-3433	1133	4	income	income	NOUN
fsr-3433	1133	5	and	and	CCONJ
fsr-3433	1133	6	labour	labour	NOUN
fsr-3433	1133	7	dynamics	dynamic	NOUN
fsr-3433	1133	8	in	in	ADP
fsr-3433	1133	9	australia	australia	PROPN
fsr-3433	1133	10	(	(	PUNCT
fsr-3433	1133	11	hilda	hilda	PROPN
fsr-3433	1133	12	)	)	PUNCT
fsr-3433	1133	13	survey	survey	NOUN
fsr-3433	1133	14	:	:	PUNCT
fsr-3433	1133	15	wave	wave	NOUN
fsr-3433	1133	16	1	1	NUM
fsr-3433	1133	17	.	.	PUNCT
fsr-3433	1134	1	the	the	DET
fsr-3433	1134	2	australian	australian	ADJ
fsr-3433	1134	3	economic	economic	ADJ
fsr-3433	1134	4	review	review	NOUN
fsr-3433	1134	5	,	,	PUNCT
fsr-3433	1134	6	35	35	NUM
fsr-3433	1134	7	,	,	PUNCT
fsr-3433	1134	8	339–348	339–348	NUM
fsr-3433	1134	9	.	.	PUNCT
fsr-3433	1135	1	worthington	worthington	PROPN
fsr-3433	1135	2	,	,	PUNCT
fsr-3433	1135	3	a.	a.	PROPN
fsr-3433	1135	4	c.	c.	PROPN
fsr-3433	1135	5	(	(	PUNCT
fsr-3433	1135	6	2006	2006	NUM
fsr-3433	1135	7	)	)	PUNCT
fsr-3433	1135	8	.	.	PUNCT
fsr-3433	1136	1	predicting	predict	VERB
fsr-3433	1136	2	financial	financial	ADJ
fsr-3433	1136	3	literacy	literacy	NOUN
fsr-3433	1136	4	in	in	ADP
fsr-3433	1136	5	australia	australia	PROPN
fsr-3433	1136	6	.	.	PUNCT
fsr-3433	1137	1	financial	financial	ADJ
fsr-3433	1137	2	services	services	PROPN
fsr-3433	1137	3	review	review	PROPN
fsr-3433	1137	4	,	,	PUNCT
fsr-3433	1137	5	15	15	NUM
fsr-3433	1137	6	,	,	PUNCT
fsr-3433	1137	7	59–79	59–79	ADV
fsr-3433	1137	8	.	.	PUNCT
fsr-3433	1138	1	worthington	worthington	PROPN
fsr-3433	1138	2	,	,	PUNCT
fsr-3433	1138	3	a.	a.	PROPN
fsr-3433	1138	4	c.	c.	PROPN
fsr-3433	1138	5	(	(	PUNCT
fsr-3433	1138	6	2013	2013	NUM
fsr-3433	1138	7	)	)	PUNCT
fsr-3433	1138	8	.	.	PUNCT
fsr-3433	1139	1	financial	financial	ADJ
fsr-3433	1139	2	literacy	literacy	NOUN
fsr-3433	1139	3	and	and	CCONJ
fsr-3433	1139	4	financial	financial	ADJ
fsr-3433	1139	5	literacy	literacy	NOUN
fsr-3433	1139	6	programmes	programme	NOUN
fsr-3433	1139	7	in	in	ADP
fsr-3433	1139	8	australia	australia	PROPN
fsr-3433	1139	9	.	.	PUNCT
fsr-3433	1140	1	journal	journal	PROPN
fsr-3433	1140	2	of	of	ADP
fsr-3433	1140	3	financial	financial	ADJ
fsr-3433	1140	4	services	service	NOUN
fsr-3433	1140	5	marketing	marketing	NOUN
fsr-3433	1140	6	,	,	PUNCT
fsr-3433	1140	7	18	18	NUM
fsr-3433	1140	8	,	,	PUNCT
fsr-3433	1140	9	227–240	227–240	NUM
fsr-3433	1140	10	.	.	PUNCT
fsr-3433	1141	1	xiao	xiao	PROPN
fsr-3433	1141	2	,	,	PUNCT
fsr-3433	1141	3	j.	j.	PROPN
fsr-3433	1141	4	j.	j.	PROPN
fsr-3433	1141	5	,	,	PUNCT
fsr-3433	1141	6	&	&	CCONJ
fsr-3433	1141	7	o’neill	o’neill	PROPN
fsr-3433	1141	8	,	,	PUNCT
fsr-3433	1141	9	b.	b.	PROPN
fsr-3433	1141	10	(	(	PUNCT
fsr-3433	1141	11	2016	2016	NUM
fsr-3433	1141	12	)	)	PUNCT
fsr-3433	1141	13	.	.	PUNCT
fsr-3433	1142	1	consumer	consumer	NOUN
fsr-3433	1142	2	financial	financial	ADJ
fsr-3433	1142	3	education	education	NOUN
fsr-3433	1142	4	and	and	CCONJ
fsr-3433	1142	5	financial	financial	ADJ
fsr-3433	1142	6	capability	capability	NOUN
fsr-3433	1142	7	.	.	PUNCT
fsr-3433	1143	1	international	international	ADJ
fsr-3433	1143	2	journal	journal	PROPN
fsr-3433	1143	3	of	of	ADP
fsr-3433	1143	4	consumer	consumer	NOUN
fsr-3433	1143	5	studies	study	NOUN
fsr-3433	1143	6	,	,	PUNCT
fsr-3433	1143	7	40	40	NUM
fsr-3433	1143	8	,	,	PUNCT
fsr-3433	1143	9	712–721	712–721	NUM
fsr-3433	1143	10	.	.	PUNCT
fsr-3433	1144	1	xiao	xiao	PROPN
fsr-3433	1144	2	,	,	PUNCT
fsr-3433	1144	3	j.	j.	PROPN
fsr-3433	1144	4	j.	j.	PROPN
fsr-3433	1144	5	,	,	PUNCT
fsr-3433	1144	6	sorhaindo	sorhaindo	PROPN
fsr-3433	1144	7	,	,	PUNCT
fsr-3433	1144	8	b.	b.	PROPN
fsr-3433	1144	9	,	,	PUNCT
fsr-3433	1144	10	&	&	CCONJ
fsr-3433	1144	11	garman	garman	PROPN
fsr-3433	1144	12	,	,	PUNCT
fsr-3433	1144	13	e.	e.	PROPN
fsr-3433	1144	14	t.	t.	PROPN
fsr-3433	1144	15	(	(	PUNCT
fsr-3433	1144	16	2006	2006	NUM
fsr-3433	1144	17	)	)	PUNCT
fsr-3433	1144	18	.	.	PUNCT
fsr-3433	1145	1	financial	financial	ADJ
fsr-3433	1145	2	behaviours	behaviour	NOUN
fsr-3433	1145	3	of	of	ADP
fsr-3433	1145	4	consumers	consumer	NOUN
fsr-3433	1145	5	in	in	ADP
fsr-3433	1145	6	credit	credit	NOUN
fsr-3433	1145	7	counselling	counselling	NOUN
fsr-3433	1145	8	.	.	PUNCT
fsr-3433	1146	1	international	international	ADJ
fsr-3433	1146	2	journal	journal	PROPN
fsr-3433	1146	3	of	of	ADP
fsr-3433	1146	4	consumer	consumer	NOUN
fsr-3433	1146	5	studies	study	NOUN
fsr-3433	1146	6	,	,	PUNCT
fsr-3433	1146	7	30	30	NUM
fsr-3433	1146	8	,	,	PUNCT
fsr-3433	1146	9	108–121	108–121	NUM
fsr-3433	1146	10	.	.	PUNCT
fsr-3433	1147	1	zhang	zhang	PROPN
fsr-3433	1147	2	,	,	PUNCT
fsr-3433	1147	3	j.	j.	PROPN
fsr-3433	1147	4	,	,	PUNCT
fsr-3433	1147	5	&	&	CCONJ
fsr-3433	1147	6	kemp	kemp	PROPN
fsr-3433	1147	7	,	,	PUNCT
fsr-3433	1147	8	s.	s.	PROPN
fsr-3433	1147	9	(	(	PUNCT
fsr-3433	1147	10	2009	2009	NUM
fsr-3433	1147	11	)	)	PUNCT
fsr-3433	1147	12	.	.	PUNCT
fsr-3433	1148	1	the	the	DET
fsr-3433	1148	2	relationships	relationship	NOUN
fsr-3433	1148	3	between	between	ADP
fsr-3433	1148	4	student	student	NOUN
fsr-3433	1148	5	debt	debt	NOUN
fsr-3433	1148	6	and	and	CCONJ
fsr-3433	1148	7	motivation	motivation	NOUN
fsr-3433	1148	8	,	,	PUNCT
fsr-3433	1148	9	happiness	happiness	NOUN
fsr-3433	1148	10	,	,	PUNCT
fsr-3433	1148	11	and	and	CCONJ
fsr-3433	1148	12	academic	academic	ADJ
fsr-3433	1148	13	achievement	achievement	NOUN
fsr-3433	1148	14	.	.	PUNCT
fsr-3433	1149	1	new	new	PROPN
fsr-3433	1149	2	zealand	zealand	PROPN
fsr-3433	1149	3	journal	journal	PROPN
fsr-3433	1149	4	of	of	ADP
fsr-3433	1149	5	psychology	psychology	NOUN
fsr-3433	1149	6	,	,	PUNCT
fsr-3433	1149	7	38	38	NUM
fsr-3433	1149	8	,	,	PUNCT
fsr-3433	1149	9	24–29	24–29	NUM
fsr-3433	1149	10	.	.	PUNCT
fsr-3433	1150	1	m.	m.	PROPN
fsr-3433	1150	2	s.	s.	PROPN
fsr-3433	1150	3	tahir	tahir	PROPN
fsr-3433	1150	4	et	et	PROPN
fsr-3433	1150	5	al	al	PROPN
fsr-3433	1150	6	.	.	PUNCT
fsr-3433	1150	7	/	/	SYM
fsr-3433	1150	8	financial	financial	ADJ
fsr-3433	1150	9	services	service	NOUN
fsr-3433	1150	10	review	review	VERB
fsr-3433	1150	11	28	28	NUM
fsr-3433	1150	12	(	(	PUNCT
fsr-3433	1150	13	2020	2020	NUM
fsr-3433	1150	14	)	)	PUNCT
fsr-3433	1151	1	273–301	273–301	NUM
fsr-3433	1151	2	301	301	NUM