id	sid	tid	token	lemma	pos
fsr-3434	1	1	can	can	AUX
fsr-3434	1	2	financial	financial	ADJ
fsr-3434	1	3	literacy	literacy	NOUN
fsr-3434	1	4	education	education	NOUN
fsr-3434	1	5	reduce	reduce	VERB
fsr-3434	1	6	the	the	DET
fsr-3434	1	7	use	use	NOUN
fsr-3434	1	8	of	of	ADP
fsr-3434	1	9	medicaid	medicaid	NOUN
fsr-3434	1	10	and	and	CCONJ
fsr-3434	1	11	snap	snap	VERB
fsr-3434	1	12	?	?	PUNCT
fsr-3434	2	1	abdullah	abdullah	PROPN
fsr-3434	2	2	al	al	PROPN
fsr-3434	2	3	-	-	PUNCT
fsr-3434	2	4	bahrania	bahrania	PROPN
fsr-3434	2	5	,	,	PUNCT
fsr-3434	2	6	b	b	NOUN
fsr-3434	2	7	,	,	PUNCT
fsr-3434	2	8	darshak	darshak	NOUN
fsr-3434	2	9	patelc	patelc	VERB
fsr-3434	2	10	,	,	PUNCT
fsr-3434	2	11	jamie	jamie	PROPN
fsr-3434	2	12	weathersd	weathersd	PROPN
fsr-3434	2	13	,	,	PUNCT
fsr-3434	2	14	*	*	PUNCT
fsr-3434	3	1	adepartment	adepartment	NOUN
fsr-3434	3	2	of	of	ADP
fsr-3434	3	3	economics	economic	NOUN
fsr-3434	3	4	and	and	CCONJ
fsr-3434	3	5	finance	finance	NOUN
fsr-3434	3	6	,	,	PUNCT
fsr-3434	3	7	northern	northern	ADJ
fsr-3434	3	8	kentucky	kentucky	PROPN
fsr-3434	3	9	university	university	PROPN
fsr-3434	3	10	,	,	PUNCT
fsr-3434	3	11	highland	highland	PROPN
fsr-3434	3	12	heights	heights	PROPN
fsr-3434	3	13	,	,	PUNCT
fsr-3434	3	14	ky	ky	PROPN
fsr-3434	3	15	41099	41099	NUM
fsr-3434	3	16	,	,	PUNCT
fsr-3434	3	17	usa	usa	PROPN
fsr-3434	3	18	buniversity	buniversity	PROPN
fsr-3434	3	19	college	college	PROPN
fsr-3434	3	20	dublin	dublin	PROPN
fsr-3434	3	21	,	,	PUNCT
fsr-3434	3	22	belfield	belfield	PROPN
fsr-3434	3	23	,	,	PUNCT
fsr-3434	3	24	dublin	dublin	PROPN
fsr-3434	3	25	4	4	NUM
fsr-3434	3	26	,	,	PUNCT
fsr-3434	3	27	ireland	ireland	NOUN
fsr-3434	3	28	cdepartment	cdepartment	NOUN
fsr-3434	3	29	of	of	ADP
fsr-3434	3	30	economics	economic	NOUN
fsr-3434	3	31	,	,	PUNCT
fsr-3434	3	32	university	university	NOUN
fsr-3434	3	33	of	of	ADP
fsr-3434	3	34	kentucky	kentucky	PROPN
fsr-3434	3	35	,	,	PUNCT
fsr-3434	3	36	lexington	lexington	PROPN
fsr-3434	3	37	,	,	PUNCT
fsr-3434	3	38	ky	ky	PROPN
fsr-3434	3	39	40506	40506	NUM
fsr-3434	3	40	,	,	PUNCT
fsr-3434	3	41	usa	usa	PROPN
fsr-3434	3	42	ddepartment	ddepartment	NOUN
fsr-3434	3	43	of	of	ADP
fsr-3434	3	44	finance	finance	NOUN
fsr-3434	3	45	and	and	CCONJ
fsr-3434	3	46	commercial	commercial	ADJ
fsr-3434	3	47	law	law	NOUN
fsr-3434	3	48	,	,	PUNCT
fsr-3434	3	49	western	western	PROPN
fsr-3434	3	50	michigan	michigan	PROPN
fsr-3434	3	51	university	university	PROPN
fsr-3434	3	52	,	,	PUNCT
fsr-3434	3	53	kalamazoo	kalamazoo	PROPN
fsr-3434	3	54	,	,	PUNCT
fsr-3434	3	55	mi	mi	PROPN
fsr-3434	3	56	49008	49008	NUM
fsr-3434	3	57	,	,	PUNCT
fsr-3434	3	58	usa	usa	PROPN
fsr-3434	3	59	abstract	abstract	PROPN
fsr-3434	3	60	in	in	ADP
fsr-3434	3	61	recent	recent	ADJ
fsr-3434	3	62	decades	decade	NOUN
fsr-3434	3	63	,	,	PUNCT
fsr-3434	3	64	we	we	PRON
fsr-3434	3	65	have	have	AUX
fsr-3434	3	66	seen	see	VERB
fsr-3434	3	67	an	an	DET
fsr-3434	3	68	increase	increase	NOUN
fsr-3434	3	69	in	in	ADP
fsr-3434	3	70	both	both	CCONJ
fsr-3434	3	71	the	the	DET
fsr-3434	3	72	complexity	complexity	NOUN
fsr-3434	3	73	of	of	ADP
fsr-3434	3	74	financial	financial	ADJ
fsr-3434	3	75	markets	market	NOUN
fsr-3434	3	76	and	and	CCONJ
fsr-3434	3	77	the	the	DET
fsr-3434	3	78	expectations	expectation	NOUN
fsr-3434	3	79	of	of	ADP
fsr-3434	3	80	individual	individual	ADJ
fsr-3434	3	81	responsibility	responsibility	NOUN
fsr-3434	3	82	for	for	ADP
fsr-3434	3	83	people	people	NOUN
fsr-3434	3	84	’s	’s	PART
fsr-3434	3	85	financial	financial	ADJ
fsr-3434	3	86	decision	decision	NOUN
fsr-3434	3	87	-	-	PUNCT
fsr-3434	3	88	making	making	NOUN
fsr-3434	3	89	.	.	PUNCT
fsr-3434	4	1	policies	policy	NOUN
fsr-3434	4	2	supporting	support	VERB
fsr-3434	4	3	financial	financial	ADJ
fsr-3434	4	4	literacy	literacy	NOUN
fsr-3434	4	5	education	education	NOUN
fsr-3434	4	6	are	be	AUX
fsr-3434	4	7	promoted	promote	VERB
fsr-3434	4	8	as	as	ADP
fsr-3434	4	9	a	a	DET
fsr-3434	4	10	way	way	NOUN
fsr-3434	4	11	to	to	PART
fsr-3434	4	12	decrease	decrease	VERB
fsr-3434	4	13	reliance	reliance	NOUN
fsr-3434	4	14	on	on	ADP
fsr-3434	4	15	social	social	ADJ
fsr-3434	4	16	safety	safety	NOUN
fsr-3434	4	17	nets	net	NOUN
fsr-3434	4	18	.	.	PUNCT
fsr-3434	5	1	the	the	DET
fsr-3434	5	2	assumption	assumption	NOUN
fsr-3434	5	3	is	be	AUX
fsr-3434	5	4	that	that	SCONJ
fsr-3434	5	5	low	low	ADJ
fsr-3434	5	6	levels	level	NOUN
fsr-3434	5	7	of	of	ADP
fsr-3434	5	8	financial	financial	ADJ
fsr-3434	5	9	literacy	literacy	NOUN
fsr-3434	5	10	translate	translate	NOUN
fsr-3434	5	11	to	to	ADP
fsr-3434	5	12	lower	low	ADJ
fsr-3434	5	13	economic	economic	ADJ
fsr-3434	5	14	outcomes	outcome	NOUN
fsr-3434	5	15	and	and	CCONJ
fsr-3434	5	16	,	,	PUNCT
fsr-3434	5	17	thus	thus	ADV
fsr-3434	5	18	,	,	PUNCT
fsr-3434	5	19	increased	increase	VERB
fsr-3434	5	20	dependence	dependence	NOUN
fsr-3434	5	21	on	on	ADP
fsr-3434	5	22	social	social	ADJ
fsr-3434	5	23	programs	program	NOUN
fsr-3434	5	24	.	.	PUNCT
fsr-3434	6	1	we	we	PRON
fsr-3434	6	2	use	use	VERB
fsr-3434	6	3	the	the	DET
fsr-3434	6	4	2018	2018	NUM
fsr-3434	6	5	national	national	ADJ
fsr-3434	6	6	financial	financial	ADJ
fsr-3434	6	7	capabilities	capability	NOUN
fsr-3434	6	8	study	study	NOUN
fsr-3434	6	9	to	to	PART
fsr-3434	6	10	investigate	investigate	VERB
fsr-3434	6	11	the	the	DET
fsr-3434	6	12	possible	possible	ADJ
fsr-3434	6	13	relationship	relationship	NOUN
fsr-3434	6	14	between	between	ADP
fsr-3434	6	15	high	high	ADJ
fsr-3434	6	16	school	school	NOUN
fsr-3434	6	17	mandated	mandate	VERB
fsr-3434	6	18	financial	financial	ADJ
fsr-3434	6	19	literacy	literacy	NOUN
fsr-3434	6	20	education	education	NOUN
fsr-3434	6	21	and	and	CCONJ
fsr-3434	6	22	social	social	ADJ
fsr-3434	6	23	program	program	NOUN
fsr-3434	6	24	participation	participation	NOUN
fsr-3434	6	25	and	and	CCONJ
fsr-3434	6	26	find	find	VERB
fsr-3434	6	27	no	no	DET
fsr-3434	6	28	evidence	evidence	NOUN
fsr-3434	6	29	of	of	ADP
fsr-3434	6	30	such	such	DET
fsr-3434	6	31	a	a	DET
fsr-3434	6	32	relationship	relationship	NOUN
fsr-3434	6	33	.	.	PUNCT
fsr-3434	7	1	©	©	PROPN
fsr-3434	7	2	2020	2020	NUM
fsr-3434	7	3	academy	academy	NOUN
fsr-3434	7	4	of	of	ADP
fsr-3434	7	5	financial	financial	ADJ
fsr-3434	7	6	services	service	NOUN
fsr-3434	7	7	.	.	PUNCT
fsr-3434	8	1	all	all	DET
fsr-3434	8	2	rights	right	NOUN
fsr-3434	8	3	reserved	reserve	VERB
fsr-3434	8	4	.	.	PUNCT
fsr-3434	9	1	jel	jel	PROPN
fsr-3434	9	2	classifications	classification	NOUN
fsr-3434	9	3	:	:	PUNCT
fsr-3434	9	4	a21	a21	NOUN
fsr-3434	9	5	;	;	PUNCT
fsr-3434	9	6	g53	g53	X
fsr-3434	9	7	;	;	PUNCT
fsr-3434	9	8	i26	i26	NUM
fsr-3434	9	9	;	;	PUNCT
fsr-3434	9	10	i38	i38	NOUN
fsr-3434	9	11	keywords	keyword	NOUN
fsr-3434	9	12	:	:	PUNCT
fsr-3434	9	13	financial	financial	ADJ
fsr-3434	9	14	literacy	literacy	NOUN
fsr-3434	9	15	;	;	PUNCT
fsr-3434	9	16	social	social	ADJ
fsr-3434	9	17	programs	program	NOUN
fsr-3434	9	18	;	;	PUNCT
fsr-3434	9	19	financial	financial	ADJ
fsr-3434	9	20	literacy	literacy	NOUN
fsr-3434	9	21	education	education	NOUN
fsr-3434	9	22	1	1	NUM
fsr-3434	9	23	.	.	PUNCT
fsr-3434	9	24	introduction	introduction	NOUN
fsr-3434	9	25	the	the	DET
fsr-3434	9	26	relationship	relationship	NOUN
fsr-3434	9	27	between	between	ADP
fsr-3434	9	28	financial	financial	ADJ
fsr-3434	9	29	literacy	literacy	NOUN
fsr-3434	9	30	and	and	CCONJ
fsr-3434	9	31	financial	financial	ADJ
fsr-3434	9	32	outcomes	outcome	NOUN
fsr-3434	9	33	has	have	AUX
fsr-3434	9	34	been	be	AUX
fsr-3434	9	35	a	a	DET
fsr-3434	9	36	topic	topic	NOUN
fsr-3434	9	37	of	of	ADP
fsr-3434	9	38	interest	interest	NOUN
fsr-3434	9	39	in	in	ADP
fsr-3434	9	40	recent	recent	ADJ
fsr-3434	9	41	decades	decade	NOUN
fsr-3434	9	42	.	.	PUNCT
fsr-3434	10	1	studies	study	NOUN
fsr-3434	10	2	examining	examine	VERB
fsr-3434	10	3	this	this	DET
fsr-3434	10	4	relationship	relationship	NOUN
fsr-3434	10	5	have	have	AUX
fsr-3434	10	6	focused	focus	VERB
fsr-3434	10	7	on	on	ADP
fsr-3434	10	8	financial	financial	ADJ
fsr-3434	10	9	behaviors	behavior	NOUN
fsr-3434	10	10	such	such	ADJ
fsr-3434	10	11	as	as	ADP
fsr-3434	10	12	retirement	retirement	NOUN
fsr-3434	10	13	planning	planning	NOUN
fsr-3434	10	14	(	(	PUNCT
fsr-3434	10	15	lusardi	lusardi	PROPN
fsr-3434	10	16	,	,	PUNCT
fsr-3434	10	17	1999	1999	NUM
fsr-3434	10	18	;	;	PUNCT
fsr-3434	10	19	lusardi	lusardi	PROPN
fsr-3434	10	20	&	&	CCONJ
fsr-3434	10	21	mitchell	mitchell	PROPN
fsr-3434	10	22	,	,	PUNCT
fsr-3434	10	23	2011b	2011b	NUM
fsr-3434	10	24	)	)	PUNCT
fsr-3434	10	25	,	,	PUNCT
fsr-3434	10	26	savings	saving	NOUN
fsr-3434	10	27	(	(	PUNCT
fsr-3434	10	28	lusardi	lusardi	NOUN
fsr-3434	10	29	,	,	PUNCT
fsr-3434	10	30	2008	2008	NUM
fsr-3434	10	31	)	)	PUNCT
fsr-3434	10	32	,	,	PUNCT
fsr-3434	10	33	student	student	NOUN
fsr-3434	10	34	loan	loan	NOUN
fsr-3434	10	35	consumption	consumption	NOUN
fsr-3434	10	36	(	(	PUNCT
fsr-3434	10	37	stoddard	stoddard	NOUN
fsr-3434	10	38	&	&	CCONJ
fsr-3434	10	39	urban	urban	ADJ
fsr-3434	10	40	,	,	PUNCT
fsr-3434	10	41	2020	2020	NUM
fsr-3434	10	42	)	)	PUNCT
fsr-3434	10	43	,	,	PUNCT
fsr-3434	10	44	and	and	CCONJ
fsr-3434	10	45	the	the	DET
fsr-3434	10	46	utilization	utilization	NOUN
fsr-3434	10	47	of	of	ADP
fsr-3434	10	48	high	high	ADJ
fsr-3434	10	49	-	-	PUNCT
fsr-3434	10	50	cost	cost	NOUN
fsr-3434	10	51	borrowing	borrowing	NOUN
fsr-3434	10	52	(	(	PUNCT
fsr-3434	10	53	harvey	harvey	NOUN
fsr-3434	10	54	,	,	PUNCT
fsr-3434	10	55	2019	2019	NUM
fsr-3434	10	56	)	)	PUNCT
fsr-3434	10	57	.	.	PUNCT
fsr-3434	11	1	the	the	DET
fsr-3434	11	2	evidence	evidence	NOUN
fsr-3434	11	3	consistently	consistently	ADV
fsr-3434	11	4	indicates	indicate	VERB
fsr-3434	11	5	that	that	SCONJ
fsr-3434	11	6	an	an	DET
fsr-3434	11	7	increase	increase	NOUN
fsr-3434	11	8	in	in	ADP
fsr-3434	11	9	*	*	PUNCT
fsr-3434	11	10	corresponding	correspond	VERB
fsr-3434	11	11	author	author	NOUN
fsr-3434	11	12	.	.	PUNCT
fsr-3434	12	1	tel	tel	PROPN
fsr-3434	12	2	.	.	PUNCT
fsr-3434	12	3	:	:	PUNCT
fsr-3434	13	1	+1	+1	PROPN
fsr-3434	13	2	-	-	PUNCT
fsr-3434	13	3	269	269	NUM
fsr-3434	13	4	-	-	PUNCT
fsr-3434	13	5	387	387	NUM
fsr-3434	13	6	-	-	NUM
fsr-3434	13	7	6056	6056	NUM
fsr-3434	13	8	.	.	PUNCT
fsr-3434	14	1	e	e	X
fsr-3434	14	2	-	-	NOUN
fsr-3434	14	3	mail	mail	NOUN
fsr-3434	14	4	address	address	NOUN
fsr-3434	14	5	:	:	PUNCT
fsr-3434	14	6	jamie.weathers@wmich.edu	jamie.weathers@wmich.edu	PROPN
fsr-3434	14	7	(	(	PUNCT
fsr-3434	14	8	j.	j.	PROPN
fsr-3434	14	9	weathers	weathers	PROPN
fsr-3434	14	10	)	)	PUNCT
fsr-3434	14	11	1057	1057	NUM
fsr-3434	14	12	-	-	SYM
fsr-3434	14	13	0810/20/$	0810/20/$	NUM
fsr-3434	14	14	–	–	PUNCT
fsr-3434	14	15	see	see	VERB
fsr-3434	14	16	front	front	ADJ
fsr-3434	14	17	matter	matter	NOUN
fsr-3434	14	18	©	©	PROPN
fsr-3434	14	19	2020	2020	NUM
fsr-3434	14	20	academy	academy	NOUN
fsr-3434	14	21	of	of	ADP
fsr-3434	14	22	financial	financial	ADJ
fsr-3434	14	23	services	service	NOUN
fsr-3434	14	24	.	.	PUNCT
fsr-3434	15	1	all	all	DET
fsr-3434	15	2	rights	right	NOUN
fsr-3434	15	3	reserved	reserve	VERB
fsr-3434	15	4	.	.	PUNCT
fsr-3434	16	1	financial	financial	ADJ
fsr-3434	16	2	services	service	NOUN
fsr-3434	16	3	review	review	VERB
fsr-3434	16	4	28	28	NUM
fsr-3434	16	5	(	(	PUNCT
fsr-3434	16	6	2020	2020	NUM
fsr-3434	16	7	)	)	PUNCT
fsr-3434	17	1	303–314	303–314	NUM
fsr-3434	17	2	financial	financial	ADJ
fsr-3434	17	3	literacy	literacy	NOUN
fsr-3434	17	4	is	be	AUX
fsr-3434	17	5	associated	associate	VERB
fsr-3434	17	6	with	with	ADP
fsr-3434	17	7	an	an	DET
fsr-3434	17	8	increase	increase	NOUN
fsr-3434	17	9	in	in	ADP
fsr-3434	17	10	the	the	DET
fsr-3434	17	11	quality	quality	NOUN
fsr-3434	17	12	of	of	ADP
fsr-3434	17	13	financial	financial	ADJ
fsr-3434	17	14	decision	decision	NOUN
fsr-3434	17	15	-	-	PUNCT
fsr-3434	17	16	making	making	NOUN
fsr-3434	17	17	and	and	CCONJ
fsr-3434	17	18	,	,	PUNCT
fsr-3434	17	19	consequently	consequently	ADV
fsr-3434	17	20	,	,	PUNCT
fsr-3434	17	21	better	well	ADJ
fsr-3434	17	22	financial	financial	ADJ
fsr-3434	17	23	and	and	CCONJ
fsr-3434	17	24	economic	economic	ADJ
fsr-3434	17	25	outcomes	outcome	NOUN
fsr-3434	17	26	.	.	PUNCT
fsr-3434	18	1	this	this	PRON
fsr-3434	18	2	has	have	AUX
fsr-3434	18	3	led	lead	VERB
fsr-3434	18	4	to	to	ADP
fsr-3434	18	5	the	the	DET
fsr-3434	18	6	presumption	presumption	NOUN
fsr-3434	18	7	that	that	SCONJ
fsr-3434	18	8	mandating	mandate	VERB
fsr-3434	18	9	financial	financial	ADJ
fsr-3434	18	10	literacy	literacy	NOUN
fsr-3434	18	11	education	education	NOUN
fsr-3434	18	12	will	will	AUX
fsr-3434	18	13	reduce	reduce	VERB
fsr-3434	18	14	dependence	dependence	NOUN
fsr-3434	18	15	on	on	ADP
fsr-3434	18	16	social	social	ADJ
fsr-3434	18	17	safety	safety	NOUN
fsr-3434	18	18	net	net	ADJ
fsr-3434	18	19	programs	program	NOUN
fsr-3434	18	20	.	.	PUNCT
fsr-3434	19	1	state	state	NOUN
fsr-3434	19	2	and	and	CCONJ
fsr-3434	19	3	federal	federal	ADJ
fsr-3434	19	4	officials	official	NOUN
fsr-3434	19	5	have	have	AUX
fsr-3434	19	6	proposed	propose	VERB
fsr-3434	19	7	high	high	ADJ
fsr-3434	19	8	school	school	NOUN
fsr-3434	19	9	financial	financial	ADJ
fsr-3434	19	10	literacy	literacy	NOUN
fsr-3434	19	11	education	education	NOUN
fsr-3434	19	12	mandates	mandate	NOUN
fsr-3434	19	13	as	as	ADP
fsr-3434	19	14	a	a	DET
fsr-3434	19	15	policy	policy	NOUN
fsr-3434	19	16	tool	tool	NOUN
fsr-3434	19	17	to	to	PART
fsr-3434	19	18	help	help	VERB
fsr-3434	19	19	increase	increase	VERB
fsr-3434	19	20	financial	financial	ADJ
fsr-3434	19	21	well	well	NOUN
fsr-3434	19	22	-	-	PUNCT
fsr-3434	19	23	being	being	NOUN
fsr-3434	19	24	,	,	PUNCT
fsr-3434	19	25	which	which	PRON
fsr-3434	19	26	encompasses	encompass	VERB
fsr-3434	19	27	a	a	DET
fsr-3434	19	28	range	range	NOUN
fsr-3434	19	29	of	of	ADP
fsr-3434	19	30	financial	financial	ADJ
fsr-3434	19	31	behaviors	behavior	NOUN
fsr-3434	19	32	,	,	PUNCT
fsr-3434	19	33	including	include	VERB
fsr-3434	19	34	potential	potential	ADJ
fsr-3434	19	35	reliance	reliance	NOUN
fsr-3434	19	36	on	on	ADP
fsr-3434	19	37	social	social	ADJ
fsr-3434	19	38	programs	program	NOUN
fsr-3434	19	39	.	.	PUNCT
fsr-3434	20	1	as	as	ADP
fsr-3434	20	2	of	of	ADP
fsr-3434	20	3	2017	2017	NUM
fsr-3434	20	4	,	,	PUNCT
fsr-3434	20	5	25	25	NUM
fsr-3434	20	6	states	state	NOUN
fsr-3434	20	7	had	have	AUX
fsr-3434	20	8	mandated	mandate	VERB
fsr-3434	20	9	some	some	DET
fsr-3434	20	10	form	form	NOUN
fsr-3434	20	11	of	of	ADP
fsr-3434	20	12	financial	financial	ADJ
fsr-3434	20	13	literacy	literacy	NOUN
fsr-3434	20	14	education	education	NOUN
fsr-3434	20	15	in	in	ADP
fsr-3434	20	16	high	high	ADJ
fsr-3434	20	17	school	school	NOUN
fsr-3434	20	18	(	(	PUNCT
fsr-3434	20	19	stoddard	stoddard	PROPN
fsr-3434	20	20	&	&	CCONJ
fsr-3434	20	21	urban	urban	ADJ
fsr-3434	20	22	,	,	PUNCT
fsr-3434	20	23	2020	2020	NUM
fsr-3434	20	24	)	)	PUNCT
fsr-3434	20	25	and	and	CCONJ
fsr-3434	20	26	this	this	DET
fsr-3434	20	27	focus	focus	NOUN
fsr-3434	20	28	on	on	ADP
fsr-3434	20	29	providing	provide	VERB
fsr-3434	20	30	personal	personal	ADJ
fsr-3434	20	31	finance	finance	NOUN
fsr-3434	20	32	instruction	instruction	NOUN
fsr-3434	20	33	continues	continue	VERB
fsr-3434	20	34	to	to	PART
fsr-3434	20	35	evolve	evolve	VERB
fsr-3434	20	36	.	.	PUNCT
fsr-3434	21	1	in	in	ADP
fsr-3434	21	2	2018	2018	NUM
fsr-3434	21	3	,	,	PUNCT
fsr-3434	21	4	29	29	NUM
fsr-3434	21	5	states	state	NOUN
fsr-3434	21	6	and	and	CCONJ
fsr-3434	21	7	puerto	puerto	PROPN
fsr-3434	21	8	rico	rico	PROPN
fsr-3434	21	9	introduced	introduce	VERB
fsr-3434	21	10	new	new	ADJ
fsr-3434	21	11	or	or	CCONJ
fsr-3434	21	12	modified	modify	VERB
fsr-3434	21	13	legislation	legislation	NOUN
fsr-3434	21	14	concerning	concern	VERB
fsr-3434	21	15	financial	financial	ADJ
fsr-3434	21	16	literacy	literacy	NOUN
fsr-3434	21	17	education	education	NOUN
fsr-3434	21	18	.	.	PUNCT
fsr-3434	22	1	1	1	NUM
fsr-3434	22	2	in	in	ADP
fsr-3434	22	3	2019	2019	NUM
fsr-3434	22	4	,	,	PUNCT
fsr-3434	22	5	this	this	DET
fsr-3434	22	6	number	number	NOUN
fsr-3434	22	7	grew	grow	VERB
fsr-3434	22	8	to	to	ADP
fsr-3434	22	9	42	42	NUM
fsr-3434	22	10	states	state	NOUN
fsr-3434	22	11	plus	plus	CCONJ
fsr-3434	22	12	the	the	DET
fsr-3434	22	13	district	district	NOUN
fsr-3434	22	14	of	of	ADP
fsr-3434	22	15	columbia	columbia	PROPN
fsr-3434	22	16	and	and	CCONJ
fsr-3434	22	17	puerto	puerto	PROPN
fsr-3434	22	18	rico	rico	PROPN
fsr-3434	22	19	.	.	PUNCT
fsr-3434	23	1	2	2	NUM
fsr-3434	23	2	our	our	PRON
fsr-3434	23	3	objective	objective	NOUN
fsr-3434	23	4	is	be	AUX
fsr-3434	23	5	to	to	PART
fsr-3434	23	6	examine	examine	VERB
fsr-3434	23	7	the	the	DET
fsr-3434	23	8	impact	impact	NOUN
fsr-3434	23	9	of	of	ADP
fsr-3434	23	10	financial	financial	ADJ
fsr-3434	23	11	literacy	literacy	NOUN
fsr-3434	23	12	education	education	NOUN
fsr-3434	23	13	mandates	mandate	NOUN
fsr-3434	23	14	in	in	ADP
fsr-3434	23	15	high	high	ADJ
fsr-3434	23	16	school	school	NOUN
fsr-3434	23	17	on	on	ADP
fsr-3434	23	18	social	social	ADJ
fsr-3434	23	19	program	program	NOUN
fsr-3434	23	20	participation	participation	NOUN
fsr-3434	23	21	.	.	PUNCT
fsr-3434	24	1	we	we	PRON
fsr-3434	24	2	are	be	AUX
fsr-3434	24	3	able	able	ADJ
fsr-3434	24	4	to	to	PART
fsr-3434	24	5	reduce	reduce	VERB
fsr-3434	24	6	the	the	DET
fsr-3434	24	7	selection	selection	NOUN
fsr-3434	24	8	issues	issue	NOUN
fsr-3434	24	9	typical	typical	ADJ
fsr-3434	24	10	in	in	ADP
fsr-3434	24	11	this	this	DET
fsr-3434	24	12	research	research	NOUN
fsr-3434	24	13	because	because	SCONJ
fsr-3434	24	14	individuals	individual	NOUN
fsr-3434	24	15	required	require	VERB
fsr-3434	24	16	to	to	PART
fsr-3434	24	17	participate	participate	VERB
fsr-3434	24	18	in	in	ADP
fsr-3434	24	19	financial	financial	ADJ
fsr-3434	24	20	literacy	literacy	NOUN
fsr-3434	24	21	education	education	NOUN
fsr-3434	24	22	do	do	AUX
fsr-3434	24	23	not	not	PART
fsr-3434	24	24	select	select	VERB
fsr-3434	24	25	into	into	ADP
fsr-3434	24	26	their	their	PRON
fsr-3434	24	27	programs	program	NOUN
fsr-3434	24	28	.	.	PUNCT
fsr-3434	25	1	our	our	PRON
fsr-3434	25	2	methodology	methodology	NOUN
fsr-3434	25	3	relies	rely	VERB
fsr-3434	25	4	on	on	ADP
fsr-3434	25	5	the	the	DET
fsr-3434	25	6	assumption	assumption	NOUN
fsr-3434	25	7	that	that	SCONJ
fsr-3434	25	8	these	these	DET
fsr-3434	25	9	individuals	individual	NOUN
fsr-3434	25	10	are	be	AUX
fsr-3434	25	11	required	require	VERB
fsr-3434	25	12	to	to	PART
fsr-3434	25	13	participate	participate	VERB
fsr-3434	25	14	in	in	ADP
fsr-3434	25	15	high	high	ADJ
fsr-3434	25	16	school	school	NOUN
fsr-3434	25	17	.	.	PUNCT
fsr-3434	26	1	this	this	PRON
fsr-3434	26	2	is	be	AUX
fsr-3434	26	3	similar	similar	ADJ
fsr-3434	26	4	to	to	ADP
fsr-3434	26	5	the	the	DET
fsr-3434	26	6	approach	approach	NOUN
fsr-3434	26	7	taken	take	VERB
fsr-3434	26	8	by	by	ADP
fsr-3434	26	9	stoddard	stoddard	NOUN
fsr-3434	26	10	and	and	CCONJ
fsr-3434	26	11	urban	urban	ADJ
fsr-3434	26	12	(	(	PUNCT
fsr-3434	26	13	2020	2020	NUM
fsr-3434	26	14	)	)	PUNCT
fsr-3434	26	15	,	,	PUNCT
fsr-3434	26	16	though	though	SCONJ
fsr-3434	26	17	our	our	PRON
fsr-3434	26	18	approach	approach	NOUN
fsr-3434	26	19	differs	differ	VERB
fsr-3434	26	20	in	in	ADP
fsr-3434	26	21	that	that	SCONJ
fsr-3434	26	22	we	we	PRON
fsr-3434	26	23	do	do	AUX
fsr-3434	26	24	not	not	PART
fsr-3434	26	25	rely	rely	VERB
fsr-3434	26	26	on	on	ADP
fsr-3434	26	27	state	state	NOUN
fsr-3434	26	28	mandates	mandate	NOUN
fsr-3434	26	29	to	to	PART
fsr-3434	26	30	determine	determine	VERB
fsr-3434	26	31	participation	participation	NOUN
fsr-3434	26	32	in	in	ADP
fsr-3434	26	33	financial	financial	ADJ
fsr-3434	26	34	literacy	literacy	NOUN
fsr-3434	26	35	education	education	NOUN
fsr-3434	26	36	,	,	PUNCT
fsr-3434	26	37	because	because	SCONJ
fsr-3434	26	38	high	high	ADJ
fsr-3434	26	39	school	school	NOUN
fsr-3434	26	40	requirements	requirement	NOUN
fsr-3434	26	41	are	be	AUX
fsr-3434	26	42	possible	possible	ADJ
fsr-3434	26	43	even	even	ADV
fsr-3434	26	44	when	when	SCONJ
fsr-3434	26	45	the	the	DET
fsr-3434	26	46	state	state	NOUN
fsr-3434	26	47	does	do	AUX
fsr-3434	26	48	not	not	PART
fsr-3434	26	49	mandate	mandate	VERB
fsr-3434	26	50	it	it	PRON
fsr-3434	26	51	.	.	PUNCT
fsr-3434	27	1	3	3	NUM
fsr-3434	27	2	we	we	PRON
fsr-3434	27	3	are	be	AUX
fsr-3434	27	4	able	able	ADJ
fsr-3434	27	5	to	to	PART
fsr-3434	27	6	identify	identify	VERB
fsr-3434	27	7	participation	participation	NOUN
fsr-3434	27	8	in	in	ADP
fsr-3434	27	9	mandated	mandate	VERB
fsr-3434	27	10	financial	financial	ADJ
fsr-3434	27	11	literacy	literacy	NOUN
fsr-3434	27	12	education	education	NOUN
fsr-3434	27	13	at	at	ADP
fsr-3434	27	14	the	the	DET
fsr-3434	27	15	individual	individual	ADJ
fsr-3434	27	16	level	level	NOUN
fsr-3434	27	17	.	.	PUNCT
fsr-3434	28	1	we	we	PRON
fsr-3434	28	2	estimate	estimate	VERB
fsr-3434	28	3	social	social	ADJ
fsr-3434	28	4	program	program	NOUN
fsr-3434	28	5	participation	participation	NOUN
fsr-3434	28	6	rates	rate	NOUN
fsr-3434	28	7	of	of	ADP
fsr-3434	28	8	those	those	PRON
fsr-3434	28	9	required	require	VERB
fsr-3434	28	10	to	to	PART
fsr-3434	28	11	participate	participate	VERB
fsr-3434	28	12	in	in	ADP
fsr-3434	28	13	financial	financial	ADJ
fsr-3434	28	14	literacy	literacy	NOUN
fsr-3434	28	15	education	education	NOUN
fsr-3434	28	16	,	,	PUNCT
fsr-3434	28	17	and	and	CCONJ
fsr-3434	28	18	compare	compare	VERB
fsr-3434	28	19	them	they	PRON
fsr-3434	28	20	to	to	ADP
fsr-3434	28	21	those	those	PRON
fsr-3434	28	22	who	who	PRON
fsr-3434	28	23	choose	choose	VERB
fsr-3434	28	24	to	to	PART
fsr-3434	28	25	participate	participate	VERB
fsr-3434	28	26	,	,	PUNCT
fsr-3434	28	27	and	and	CCONJ
fsr-3434	28	28	to	to	ADP
fsr-3434	28	29	those	those	PRON
fsr-3434	28	30	who	who	PRON
fsr-3434	28	31	do	do	AUX
fsr-3434	28	32	not	not	PART
fsr-3434	28	33	receive	receive	VERB
fsr-3434	28	34	financial	financial	ADJ
fsr-3434	28	35	literacy	literacy	NOUN
fsr-3434	28	36	education	education	NOUN
fsr-3434	28	37	.	.	PUNCT
fsr-3434	29	1	we	we	PRON
fsr-3434	29	2	find	find	VERB
fsr-3434	29	3	no	no	DET
fsr-3434	29	4	evidence	evidence	NOUN
fsr-3434	29	5	of	of	ADP
fsr-3434	29	6	a	a	DET
fsr-3434	29	7	relationship	relationship	NOUN
fsr-3434	29	8	between	between	ADP
fsr-3434	29	9	mandated	mandate	VERB
fsr-3434	29	10	financial	financial	ADJ
fsr-3434	29	11	literacy	literacy	NOUN
fsr-3434	29	12	courses	course	NOUN
fsr-3434	29	13	and	and	CCONJ
fsr-3434	29	14	participation	participation	NOUN
fsr-3434	29	15	in	in	ADP
fsr-3434	29	16	social	social	ADJ
fsr-3434	29	17	programs	program	NOUN
fsr-3434	29	18	.	.	PUNCT
fsr-3434	30	1	individuals	individual	NOUN
fsr-3434	30	2	mandated	mandate	VERB
fsr-3434	30	3	to	to	PART
fsr-3434	30	4	participate	participate	VERB
fsr-3434	30	5	in	in	ADP
fsr-3434	30	6	financial	financial	ADJ
fsr-3434	30	7	literacy	literacy	NOUN
fsr-3434	30	8	education	education	NOUN
fsr-3434	30	9	are	be	AUX
fsr-3434	30	10	as	as	ADV
fsr-3434	30	11	likely	likely	ADJ
fsr-3434	30	12	to	to	PART
fsr-3434	30	13	receive	receive	VERB
fsr-3434	30	14	social	social	ADJ
fsr-3434	30	15	assistance	assistance	NOUN
fsr-3434	30	16	as	as	ADP
fsr-3434	30	17	those	those	PRON
fsr-3434	30	18	who	who	PRON
fsr-3434	30	19	choose	choose	VERB
fsr-3434	30	20	to	to	PART
fsr-3434	30	21	take	take	VERB
fsr-3434	30	22	a	a	DET
fsr-3434	30	23	course	course	NOUN
fsr-3434	30	24	,	,	PUNCT
fsr-3434	30	25	and	and	CCONJ
fsr-3434	30	26	those	those	PRON
fsr-3434	30	27	who	who	PRON
fsr-3434	30	28	do	do	AUX
fsr-3434	30	29	not	not	PART
fsr-3434	30	30	participate	participate	VERB
fsr-3434	30	31	at	at	ADV
fsr-3434	30	32	all	all	ADV
fsr-3434	30	33	.	.	PUNCT
fsr-3434	31	1	however	however	ADV
fsr-3434	31	2	,	,	PUNCT
fsr-3434	31	3	we	we	PRON
fsr-3434	31	4	do	do	AUX
fsr-3434	31	5	find	find	VERB
fsr-3434	31	6	that	that	SCONJ
fsr-3434	31	7	financial	financial	ADJ
fsr-3434	31	8	literacy	literacy	NOUN
fsr-3434	31	9	levels	level	NOUN
fsr-3434	31	10	in	in	ADP
fsr-3434	31	11	the	the	DET
fsr-3434	31	12	top	top	ADJ
fsr-3434	31	13	quintile	quintile	NOUN
fsr-3434	31	14	are	be	AUX
fsr-3434	31	15	less	less	ADV
fsr-3434	31	16	likely	likely	ADJ
fsr-3434	31	17	to	to	PART
fsr-3434	31	18	participate	participate	VERB
fsr-3434	31	19	in	in	ADP
fsr-3434	31	20	social	social	ADJ
fsr-3434	31	21	programs	program	NOUN
fsr-3434	31	22	.	.	PUNCT
fsr-3434	32	1	our	our	PRON
fsr-3434	32	2	control	control	NOUN
fsr-3434	32	3	variables	variable	NOUN
fsr-3434	32	4	are	be	AUX
fsr-3434	32	5	strong	strong	ADJ
fsr-3434	32	6	predictors	predictor	NOUN
fsr-3434	32	7	of	of	ADP
fsr-3434	32	8	social	social	ADJ
fsr-3434	32	9	program	program	NOUN
fsr-3434	32	10	participation	participation	NOUN
fsr-3434	32	11	,	,	PUNCT
fsr-3434	32	12	and	and	CCONJ
fsr-3434	32	13	include	include	VERB
fsr-3434	32	14	demographic	demographic	ADJ
fsr-3434	32	15	variables	variable	NOUN
fsr-3434	32	16	such	such	ADJ
fsr-3434	32	17	as	as	ADP
fsr-3434	32	18	age	age	NOUN
fsr-3434	32	19	,	,	PUNCT
fsr-3434	32	20	income	income	NOUN
fsr-3434	32	21	,	,	PUNCT
fsr-3434	32	22	and	and	CCONJ
fsr-3434	32	23	state	state	NOUN
fsr-3434	32	24	of	of	ADP
fsr-3434	32	25	residency	residency	NOUN
fsr-3434	32	26	.	.	PUNCT
fsr-3434	33	1	our	our	PRON
fsr-3434	33	2	findings	finding	NOUN
fsr-3434	33	3	support	support	VERB
fsr-3434	33	4	the	the	DET
fsr-3434	33	5	results	result	NOUN
fsr-3434	33	6	of	of	ADP
fsr-3434	33	7	previous	previous	ADJ
fsr-3434	33	8	studies	study	NOUN
fsr-3434	33	9	examining	examine	VERB
fsr-3434	33	10	earned	earn	VERB
fsr-3434	33	11	income	income	NOUN
fsr-3434	33	12	tax	tax	NOUN
fsr-3434	33	13	credit	credit	NOUN
fsr-3434	33	14	participation	participation	NOUN
fsr-3434	33	15	and	and	CCONJ
fsr-3434	33	16	financial	financial	ADJ
fsr-3434	33	17	knowledge	knowledge	NOUN
fsr-3434	33	18	(	(	PUNCT
fsr-3434	33	19	chetty	chetty	ADJ
fsr-3434	33	20	,	,	PUNCT
fsr-3434	33	21	2015	2015	NUM
fsr-3434	33	22	;	;	PUNCT
fsr-3434	33	23	chetty	chetty	PROPN
fsr-3434	33	24	,	,	PUNCT
fsr-3434	33	25	friedman	friedman	PROPN
fsr-3434	33	26	,	,	PUNCT
fsr-3434	33	27	&	&	CCONJ
fsr-3434	33	28	saez	saez	PROPN
fsr-3434	33	29	,	,	PUNCT
fsr-3434	33	30	2013	2013	NUM
fsr-3434	33	31	)	)	PUNCT
fsr-3434	33	32	.	.	PUNCT
fsr-3434	34	1	2	2	X
fsr-3434	34	2	.	.	X
fsr-3434	34	3	financial	financial	ADJ
fsr-3434	34	4	education	education	NOUN
fsr-3434	34	5	,	,	PUNCT
fsr-3434	34	6	literacy	literacy	NOUN
fsr-3434	34	7	,	,	PUNCT
fsr-3434	34	8	and	and	CCONJ
fsr-3434	34	9	behaviors	behavior	VERB
fsr-3434	34	10	the	the	DET
fsr-3434	34	11	shift	shift	NOUN
fsr-3434	34	12	toward	toward	ADP
fsr-3434	34	13	individual	individual	ADJ
fsr-3434	34	14	responsibility	responsibility	NOUN
fsr-3434	34	15	in	in	ADP
fsr-3434	34	16	financial	financial	ADJ
fsr-3434	34	17	decision	decision	NOUN
fsr-3434	34	18	-	-	PUNCT
fsr-3434	34	19	making	making	NOUN
fsr-3434	34	20	,	,	PUNCT
fsr-3434	34	21	coupled	couple	VERB
fsr-3434	34	22	with	with	ADP
fsr-3434	34	23	the	the	DET
fsr-3434	34	24	increased	increase	VERB
fsr-3434	34	25	complexity	complexity	NOUN
fsr-3434	34	26	of	of	ADP
fsr-3434	34	27	financial	financial	ADJ
fsr-3434	34	28	tools	tool	NOUN
fsr-3434	34	29	,	,	PUNCT
fsr-3434	34	30	has	have	AUX
fsr-3434	34	31	increased	increase	VERB
fsr-3434	34	32	awareness	awareness	NOUN
fsr-3434	34	33	of	of	ADP
fsr-3434	34	34	the	the	DET
fsr-3434	34	35	role	role	NOUN
fsr-3434	34	36	that	that	PRON
fsr-3434	34	37	financial	financial	ADJ
fsr-3434	34	38	literacy	literacy	NOUN
fsr-3434	34	39	plays	play	VERB
fsr-3434	34	40	in	in	ADP
fsr-3434	34	41	determining	determine	VERB
fsr-3434	34	42	optimal	optimal	ADJ
fsr-3434	34	43	financial	financial	ADJ
fsr-3434	34	44	outcomes	outcome	NOUN
fsr-3434	34	45	.	.	PUNCT
fsr-3434	35	1	further	far	ADV
fsr-3434	35	2	,	,	PUNCT
fsr-3434	35	3	an	an	DET
fsr-3434	35	4	established	establish	VERB
fsr-3434	35	5	positive	positive	ADJ
fsr-3434	35	6	relationship	relationship	NOUN
fsr-3434	35	7	between	between	ADP
fsr-3434	35	8	financial	financial	ADJ
fsr-3434	35	9	literacy	literacy	NOUN
fsr-3434	35	10	and	and	CCONJ
fsr-3434	35	11	financial	financial	ADJ
fsr-3434	35	12	behaviors	behavior	NOUN
fsr-3434	35	13	has	have	AUX
fsr-3434	35	14	prompted	prompt	VERB
fsr-3434	35	15	increased	increase	VERB
fsr-3434	35	16	advocacy	advocacy	NOUN
fsr-3434	35	17	for	for	ADP
fsr-3434	35	18	financial	financial	ADJ
fsr-3434	35	19	literacy	literacy	NOUN
fsr-3434	35	20	education	education	NOUN
fsr-3434	35	21	that	that	PRON
fsr-3434	35	22	focuses	focus	VERB
fsr-3434	35	23	on	on	ADP
fsr-3434	35	24	personal	personal	ADJ
fsr-3434	35	25	finance	finance	NOUN
fsr-3434	35	26	.	.	PUNCT
fsr-3434	36	1	researchers	researcher	NOUN
fsr-3434	36	2	are	be	AUX
fsr-3434	36	3	evaluating	evaluate	VERB
fsr-3434	36	4	state	state	NOUN
fsr-3434	36	5	mandates	mandate	NOUN
fsr-3434	36	6	to	to	PART
fsr-3434	36	7	measure	measure	VERB
fsr-3434	36	8	their	their	PRON
fsr-3434	36	9	efficacy	efficacy	NOUN
fsr-3434	36	10	in	in	ADP
fsr-3434	36	11	changing	change	VERB
fsr-3434	36	12	financial	financial	ADJ
fsr-3434	36	13	behaviors	behavior	NOUN
fsr-3434	36	14	.	.	PUNCT
fsr-3434	37	1	while	while	SCONJ
fsr-3434	37	2	the	the	DET
fsr-3434	37	3	quality	quality	NOUN
fsr-3434	37	4	of	of	ADP
fsr-3434	37	5	these	these	DET
fsr-3434	37	6	evaluations	evaluation	NOUN
fsr-3434	37	7	can	can	AUX
fsr-3434	37	8	suffer	suffer	VERB
fsr-3434	37	9	from	from	ADP
fsr-3434	37	10	endogeneity	endogeneity	NOUN
fsr-3434	37	11	,	,	PUNCT
fsr-3434	37	12	some	some	PRON
fsr-3434	37	13	do	do	AUX
fsr-3434	37	14	indicate	indicate	VERB
fsr-3434	37	15	causal	causal	ADJ
fsr-3434	37	16	links	link	NOUN
fsr-3434	37	17	between	between	ADP
fsr-3434	37	18	financial	financial	ADJ
fsr-3434	37	19	education	education	NOUN
fsr-3434	37	20	and	and	CCONJ
fsr-3434	37	21	outcomes	outcome	NOUN
fsr-3434	37	22	.	.	PUNCT
fsr-3434	38	1	304	304	NUM
fsr-3434	38	2	a.	a.	PROPN
fsr-3434	38	3	al	al	PROPN
fsr-3434	38	4	-	-	PUNCT
fsr-3434	38	5	bahrani	bahrani	PROPN
fsr-3434	38	6	et	et	PROPN
fsr-3434	38	7	al	al	PROPN
fsr-3434	38	8	.	.	PUNCT
fsr-3434	38	9	/	/	SYM
fsr-3434	38	10	financial	financial	ADJ
fsr-3434	38	11	services	service	NOUN
fsr-3434	38	12	review	review	VERB
fsr-3434	38	13	28	28	NUM
fsr-3434	38	14	(	(	PUNCT
fsr-3434	38	15	2020	2020	NUM
fsr-3434	38	16	)	)	PUNCT
fsr-3434	39	1	303–314	303–314	NUM
fsr-3434	39	2	using	use	VERB
fsr-3434	39	3	a	a	DET
fsr-3434	39	4	synthetic	synthetic	ADJ
fsr-3434	39	5	control	control	NOUN
fsr-3434	39	6	,	,	PUNCT
fsr-3434	39	7	brown	brown	PROPN
fsr-3434	39	8	et	et	PROPN
fsr-3434	39	9	al	al	PROPN
fsr-3434	39	10	.	.	PROPN
fsr-3434	40	1	(	(	PUNCT
fsr-3434	40	2	2014	2014	NUM
fsr-3434	40	3	)	)	PUNCT
fsr-3434	40	4	find	find	VERB
fsr-3434	40	5	increased	increase	VERB
fsr-3434	40	6	credit	credit	NOUN
fsr-3434	40	7	scores	score	NOUN
fsr-3434	40	8	in	in	ADP
fsr-3434	40	9	states	state	NOUN
fsr-3434	40	10	that	that	PRON
fsr-3434	40	11	mandate	mandate	VERB
fsr-3434	40	12	financial	financial	ADJ
fsr-3434	40	13	literacy	literacy	NOUN
fsr-3434	40	14	education	education	NOUN
fsr-3434	40	15	.	.	PUNCT
fsr-3434	41	1	similarly	similarly	ADV
fsr-3434	41	2	,	,	PUNCT
fsr-3434	41	3	using	use	VERB
fsr-3434	41	4	a	a	DET
fsr-3434	41	5	difference	difference	NOUN
fsr-3434	41	6	-	-	PUNCT
fsr-3434	41	7	in	in	ADP
fsr-3434	41	8	-	-	PUNCT
fsr-3434	41	9	difference	difference	NOUN
fsr-3434	41	10	methodology	methodology	NOUN
fsr-3434	41	11	,	,	PUNCT
fsr-3434	41	12	stoddard	stoddard	NOUN
fsr-3434	41	13	and	and	CCONJ
fsr-3434	41	14	urban	urban	ADJ
fsr-3434	41	15	(	(	PUNCT
fsr-3434	41	16	2020	2020	NUM
fsr-3434	41	17	)	)	PUNCT
fsr-3434	41	18	find	find	VERB
fsr-3434	41	19	that	that	SCONJ
fsr-3434	41	20	students	student	NOUN
fsr-3434	41	21	who	who	PRON
fsr-3434	41	22	graduate	graduate	VERB
fsr-3434	41	23	from	from	ADP
fsr-3434	41	24	high	high	ADJ
fsr-3434	41	25	schools	school	NOUN
fsr-3434	41	26	in	in	ADP
fsr-3434	41	27	states	state	NOUN
fsr-3434	41	28	with	with	ADP
fsr-3434	41	29	financial	financial	ADJ
fsr-3434	41	30	literacy	literacy	NOUN
fsr-3434	41	31	mandates	mandate	NOUN
fsr-3434	41	32	,	,	PUNCT
fsr-3434	41	33	while	while	SCONJ
fsr-3434	41	34	no	no	PRON
fsr-3434	41	35	more	more	ADV
fsr-3434	41	36	likely	likely	ADJ
fsr-3434	41	37	to	to	PART
fsr-3434	41	38	attend	attend	VERB
fsr-3434	41	39	college	college	NOUN
fsr-3434	41	40	,	,	PUNCT
fsr-3434	41	41	make	make	VERB
fsr-3434	41	42	better	well	ADJ
fsr-3434	41	43	choices	choice	NOUN
fsr-3434	41	44	when	when	SCONJ
fsr-3434	41	45	taking	take	VERB
fsr-3434	41	46	out	out	ADP
fsr-3434	41	47	student	student	NOUN
fsr-3434	41	48	loans	loan	NOUN
fsr-3434	41	49	and	and	CCONJ
fsr-3434	41	50	other	other	ADJ
fsr-3434	41	51	low	low	ADJ
fsr-3434	41	52	-	-	PUNCT
fsr-3434	41	53	cost	cost	NOUN
fsr-3434	41	54	debt	debt	NOUN
fsr-3434	41	55	.	.	PUNCT
fsr-3434	42	1	4	4	NUM
fsr-3434	42	2	harvey	harvey	NOUN
fsr-3434	42	3	(	(	PUNCT
fsr-3434	42	4	2019	2019	NUM
fsr-3434	42	5	)	)	PUNCT
fsr-3434	42	6	demonstrates	demonstrate	VERB
fsr-3434	42	7	that	that	SCONJ
fsr-3434	42	8	individuals	individual	NOUN
fsr-3434	42	9	residing	reside	VERB
fsr-3434	42	10	in	in	ADP
fsr-3434	42	11	states	state	NOUN
fsr-3434	42	12	that	that	PRON
fsr-3434	42	13	mandate	mandate	VERB
fsr-3434	42	14	financial	financial	ADJ
fsr-3434	42	15	literacy	literacy	NOUN
fsr-3434	42	16	education	education	NOUN
fsr-3434	42	17	are	be	AUX
fsr-3434	42	18	less	less	ADV
fsr-3434	42	19	likely	likely	ADJ
fsr-3434	42	20	to	to	PART
fsr-3434	42	21	use	use	VERB
fsr-3434	42	22	alternative	alternative	ADJ
fsr-3434	42	23	financial	financial	ADJ
fsr-3434	42	24	services	service	NOUN
fsr-3434	42	25	(	(	PUNCT
fsr-3434	42	26	afs	afs	NOUN
fsr-3434	42	27	)	)	PUNCT
fsr-3434	42	28	such	such	ADJ
fsr-3434	42	29	as	as	ADP
fsr-3434	42	30	check	check	NOUN
fsr-3434	42	31	-	-	PUNCT
fsr-3434	42	32	cashing	cashing	NOUN
fsr-3434	42	33	,	,	PUNCT
fsr-3434	42	34	rent	rent	NOUN
fsr-3434	42	35	-	-	PUNCT
fsr-3434	42	36	to	to	ADP
fsr-3434	42	37	-	-	PUNCT
fsr-3434	42	38	own	own	ADJ
fsr-3434	42	39	financing	financing	NOUN
fsr-3434	42	40	,	,	PUNCT
fsr-3434	42	41	pawn	pawn	NOUN
fsr-3434	42	42	shop	shop	NOUN
fsr-3434	42	43	services	service	NOUN
fsr-3434	42	44	,	,	PUNCT
fsr-3434	42	45	auto	auto	NOUN
fsr-3434	42	46	title	title	NOUN
fsr-3434	42	47	loans	loan	NOUN
fsr-3434	42	48	,	,	PUNCT
fsr-3434	42	49	tax	tax	NOUN
fsr-3434	42	50	refund	refund	NOUN
fsr-3434	42	51	anticipation	anticipation	NOUN
fsr-3434	42	52	loans	loan	NOUN
fsr-3434	42	53	,	,	PUNCT
fsr-3434	42	54	and	and	CCONJ
fsr-3434	42	55	payday	payday	NOUN
fsr-3434	42	56	loans	loan	NOUN
fsr-3434	42	57	.	.	PUNCT
fsr-3434	43	1	additional	additional	ADJ
fsr-3434	43	2	evidence	evidence	NOUN
fsr-3434	43	3	indicates	indicate	VERB
fsr-3434	43	4	that	that	SCONJ
fsr-3434	43	5	formal	formal	ADJ
fsr-3434	43	6	financial	financial	ADJ
fsr-3434	43	7	education	education	NOUN
fsr-3434	43	8	results	result	NOUN
fsr-3434	43	9	in	in	ADP
fsr-3434	43	10	positive	positive	ADJ
fsr-3434	43	11	long	long	ADJ
fsr-3434	43	12	-	-	PUNCT
fsr-3434	43	13	term	term	NOUN
fsr-3434	43	14	financial	financial	ADJ
fsr-3434	43	15	behaviors	behavior	NOUN
fsr-3434	43	16	as	as	ADV
fsr-3434	43	17	well	well	ADV
fsr-3434	43	18	(	(	PUNCT
fsr-3434	43	19	wagner	wagner	PROPN
fsr-3434	43	20	&	&	CCONJ
fsr-3434	43	21	walstad	walstad	PROPN
fsr-3434	43	22	,	,	PUNCT
fsr-3434	43	23	2019	2019	NUM
fsr-3434	43	24	)	)	PUNCT
fsr-3434	43	25	.	.	PUNCT
fsr-3434	44	1	mandated	mandate	VERB
fsr-3434	44	2	financial	financial	ADJ
fsr-3434	44	3	literacy	literacy	NOUN
fsr-3434	44	4	programs	program	NOUN
fsr-3434	44	5	oblige	oblige	VERB
fsr-3434	44	6	individuals	individual	NOUN
fsr-3434	44	7	to	to	PART
fsr-3434	44	8	receive	receive	VERB
fsr-3434	44	9	the	the	DET
fsr-3434	44	10	education	education	NOUN
fsr-3434	44	11	ostensibly	ostensibly	ADV
fsr-3434	44	12	necessary	necessary	ADJ
fsr-3434	44	13	to	to	PART
fsr-3434	44	14	improve	improve	VERB
fsr-3434	44	15	financial	financial	ADJ
fsr-3434	44	16	decision	decision	NOUN
fsr-3434	44	17	-	-	PUNCT
fsr-3434	44	18	making	making	NOUN
fsr-3434	44	19	.	.	PUNCT
fsr-3434	45	1	however	however	ADV
fsr-3434	45	2	,	,	PUNCT
fsr-3434	45	3	it	it	PRON
fsr-3434	45	4	is	be	AUX
fsr-3434	45	5	important	important	ADJ
fsr-3434	45	6	to	to	PART
fsr-3434	45	7	differentiate	differentiate	VERB
fsr-3434	45	8	the	the	DET
fsr-3434	45	9	effect	effect	NOUN
fsr-3434	45	10	of	of	ADP
fsr-3434	45	11	financial	financial	ADJ
fsr-3434	45	12	education	education	NOUN
fsr-3434	45	13	on	on	ADP
fsr-3434	45	14	financial	financial	ADJ
fsr-3434	45	15	literacy	literacy	NOUN
fsr-3434	45	16	from	from	ADP
fsr-3434	45	17	its	its	PRON
fsr-3434	45	18	effect	effect	NOUN
fsr-3434	45	19	on	on	ADP
fsr-3434	45	20	financial	financial	ADJ
fsr-3434	45	21	behaviors	behavior	NOUN
fsr-3434	45	22	.	.	PUNCT
fsr-3434	46	1	similarly	similarly	ADV
fsr-3434	46	2	,	,	PUNCT
fsr-3434	46	3	we	we	PRON
fsr-3434	46	4	must	must	AUX
fsr-3434	46	5	acknowledge	acknowledge	VERB
fsr-3434	46	6	the	the	DET
fsr-3434	46	7	heterogeneity	heterogeneity	NOUN
fsr-3434	46	8	of	of	ADP
fsr-3434	46	9	financial	financial	ADJ
fsr-3434	46	10	education	education	NOUN
fsr-3434	46	11	itself	itself	PRON
fsr-3434	46	12	,	,	PUNCT
fsr-3434	46	13	as	as	SCONJ
fsr-3434	46	14	it	it	PRON
fsr-3434	46	15	can	can	AUX
fsr-3434	46	16	vary	vary	VERB
fsr-3434	46	17	in	in	ADP
fsr-3434	46	18	quality	quality	NOUN
fsr-3434	46	19	,	,	PUNCT
fsr-3434	46	20	source	source	NOUN
fsr-3434	46	21	,	,	PUNCT
fsr-3434	46	22	length	length	NOUN
fsr-3434	46	23	,	,	PUNCT
fsr-3434	46	24	delivery	delivery	NOUN
fsr-3434	46	25	method	method	NOUN
fsr-3434	46	26	,	,	PUNCT
fsr-3434	46	27	scope	scope	NOUN
fsr-3434	46	28	,	,	PUNCT
fsr-3434	46	29	timing	timing	NOUN
fsr-3434	46	30	,	,	PUNCT
fsr-3434	46	31	and	and	CCONJ
fsr-3434	46	32	so	so	ADV
fsr-3434	46	33	forth	forth	ADV
fsr-3434	46	34	.	.	PUNCT
fsr-3434	47	1	kaiser	kaiser	NOUN
fsr-3434	47	2	and	and	CCONJ
fsr-3434	47	3	menkhoff	menkhoff	PROPN
fsr-3434	47	4	(	(	PUNCT
fsr-3434	47	5	2017	2017	NUM
fsr-3434	47	6	)	)	PUNCT
fsr-3434	47	7	undertook	undertake	VERB
fsr-3434	47	8	a	a	DET
fsr-3434	47	9	meta	meta	ADJ
fsr-3434	47	10	-	-	PUNCT
fsr-3434	47	11	analysis	analysis	NOUN
fsr-3434	47	12	of	of	ADP
fsr-3434	47	13	126	126	NUM
fsr-3434	47	14	studies	study	NOUN
fsr-3434	47	15	,	,	PUNCT
fsr-3434	47	16	which	which	PRON
fsr-3434	47	17	confirmed	confirm	VERB
fsr-3434	47	18	a	a	DET
fsr-3434	47	19	strong	strong	ADJ
fsr-3434	47	20	positive	positive	ADJ
fsr-3434	47	21	impact	impact	NOUN
fsr-3434	47	22	of	of	ADP
fsr-3434	47	23	financial	financial	ADJ
fsr-3434	47	24	education	education	NOUN
fsr-3434	47	25	on	on	ADP
fsr-3434	47	26	financial	financial	ADJ
fsr-3434	47	27	literacy	literacy	NOUN
fsr-3434	47	28	,	,	PUNCT
fsr-3434	47	29	a	a	DET
fsr-3434	47	30	much	much	ADV
fsr-3434	47	31	lesser	less	ADJ
fsr-3434	47	32	(	(	PUNCT
fsr-3434	47	33	but	but	CCONJ
fsr-3434	47	34	also	also	ADV
fsr-3434	47	35	statistically	statistically	ADV
fsr-3434	47	36	significant	significant	ADJ
fsr-3434	47	37	)	)	PUNCT
fsr-3434	47	38	effect	effect	NOUN
fsr-3434	47	39	of	of	ADP
fsr-3434	47	40	financial	financial	ADJ
fsr-3434	47	41	education	education	NOUN
fsr-3434	47	42	on	on	ADP
fsr-3434	47	43	financial	financial	ADJ
fsr-3434	47	44	behaviors	behavior	NOUN
fsr-3434	47	45	,	,	PUNCT
fsr-3434	47	46	and	and	CCONJ
fsr-3434	47	47	a	a	DET
fsr-3434	47	48	positive	positive	ADJ
fsr-3434	47	49	correlation	correlation	NOUN
fsr-3434	47	50	between	between	ADP
fsr-3434	47	51	its	its	PRON
fsr-3434	47	52	effects	effect	NOUN
fsr-3434	47	53	on	on	ADP
fsr-3434	47	54	both	both	CCONJ
fsr-3434	47	55	financial	financial	ADJ
fsr-3434	47	56	literacy	literacy	NOUN
fsr-3434	47	57	and	and	CCONJ
fsr-3434	47	58	financial	financial	ADJ
fsr-3434	47	59	behaviors	behavior	NOUN
fsr-3434	47	60	.	.	PUNCT
fsr-3434	48	1	thus	thus	ADV
fsr-3434	48	2	,	,	PUNCT
fsr-3434	48	3	the	the	DET
fsr-3434	48	4	link	link	NOUN
fsr-3434	48	5	from	from	ADP
fsr-3434	48	6	financial	financial	ADJ
fsr-3434	48	7	education	education	NOUN
fsr-3434	48	8	to	to	PART
fsr-3434	48	9	improved	improve	VERB
fsr-3434	48	10	financial	financial	ADJ
fsr-3434	48	11	behavior	behavior	NOUN
fsr-3434	48	12	appears	appear	VERB
fsr-3434	48	13	to	to	PART
fsr-3434	48	14	be	be	AUX
fsr-3434	48	15	mediated	mediate	VERB
fsr-3434	48	16	by	by	ADP
fsr-3434	48	17	financial	financial	ADJ
fsr-3434	48	18	literacy	literacy	NOUN
fsr-3434	48	19	.	.	PUNCT
fsr-3434	49	1	higher	high	ADJ
fsr-3434	49	2	returns	return	NOUN
fsr-3434	49	3	are	be	AUX
fsr-3434	49	4	expected	expect	VERB
fsr-3434	49	5	of	of	ADP
fsr-3434	49	6	financially	financially	ADV
fsr-3434	49	7	literate	literate	ADJ
fsr-3434	49	8	individuals	individual	NOUN
fsr-3434	49	9	due	due	ADJ
fsr-3434	49	10	to	to	ADP
fsr-3434	49	11	superior	superior	ADJ
fsr-3434	49	12	financial	financial	ADJ
fsr-3434	49	13	decisions	decision	NOUN
fsr-3434	49	14	.	.	PUNCT
fsr-3434	50	1	for	for	ADP
fsr-3434	50	2	example	example	NOUN
fsr-3434	50	3	,	,	PUNCT
fsr-3434	50	4	financial	financial	ADJ
fsr-3434	50	5	literacy	literacy	NOUN
fsr-3434	50	6	is	be	AUX
fsr-3434	50	7	positively	positively	ADV
fsr-3434	50	8	associated	associate	VERB
fsr-3434	50	9	with	with	ADP
fsr-3434	50	10	both	both	CCONJ
fsr-3434	50	11	the	the	DET
fsr-3434	50	12	ownership	ownership	NOUN
fsr-3434	50	13	of	of	ADP
fsr-3434	50	14	stocks	stock	NOUN
fsr-3434	50	15	in	in	ADP
fsr-3434	50	16	asset	asset	NOUN
fsr-3434	50	17	portfolios	portfolio	NOUN
fsr-3434	50	18	(	(	PUNCT
fsr-3434	50	19	christelis	christelis	PROPN
fsr-3434	50	20	,	,	PUNCT
fsr-3434	50	21	jappelli	jappelli	PROPN
fsr-3434	50	22	,	,	PUNCT
fsr-3434	50	23	&	&	CCONJ
fsr-3434	50	24	padula	padula	NOUN
fsr-3434	50	25	,	,	PUNCT
fsr-3434	50	26	2010	2010	NUM
fsr-3434	50	27	;	;	PUNCT
fsr-3434	50	28	van	van	PROPN
fsr-3434	50	29	rooij	rooij	NOUN
fsr-3434	50	30	,	,	PUNCT
fsr-3434	50	31	lusardi	lusardi	PROPN
fsr-3434	50	32	,	,	PUNCT
fsr-3434	50	33	&	&	CCONJ
fsr-3434	50	34	alessie	alessie	PROPN
fsr-3434	50	35	,	,	PUNCT
fsr-3434	50	36	2011	2011	NUM
fsr-3434	50	37	)	)	PUNCT
fsr-3434	50	38	and	and	CCONJ
fsr-3434	50	39	the	the	DET
fsr-3434	50	40	selection	selection	NOUN
fsr-3434	50	41	of	of	ADP
fsr-3434	50	42	lower	low	ADJ
fsr-3434	50	43	-	-	PUNCT
fsr-3434	50	44	cost	cost	NOUN
fsr-3434	50	45	funds	fund	NOUN
fsr-3434	50	46	(	(	PUNCT
fsr-3434	50	47	hastings	hastings	PROPN
fsr-3434	50	48	&	&	CCONJ
fsr-3434	50	49	tejeda	tejeda	PROPN
fsr-3434	50	50	-	-	PUNCT
fsr-3434	50	51	ashton	ashton	PROPN
fsr-3434	50	52	,	,	PUNCT
fsr-3434	50	53	2008	2008	NUM
fsr-3434	50	54	;	;	PUNCT
fsr-3434	50	55	hastings	hastings	PROPN
fsr-3434	50	56	&	&	CCONJ
fsr-3434	50	57	mitchell	mitchell	PROPN
fsr-3434	50	58	,	,	PUNCT
fsr-3434	50	59	2020	2020	NUM
fsr-3434	50	60	;	;	PUNCT
fsr-3434	50	61	hastings	hastings	PROPN
fsr-3434	50	62	,	,	PUNCT
fsr-3434	50	63	mitchell	mitchell	PROPN
fsr-3434	50	64	,	,	PUNCT
fsr-3434	50	65	&	&	CCONJ
fsr-3434	50	66	chyn	chyn	PROPN
fsr-3434	50	67	,	,	PUNCT
fsr-3434	50	68	2011	2011	NUM
fsr-3434	50	69	)	)	PUNCT
fsr-3434	50	70	.	.	PUNCT
fsr-3434	51	1	lusardi	lusardi	PROPN
fsr-3434	51	2	and	and	CCONJ
fsr-3434	51	3	tufano	tufano	ADJ
fsr-3434	51	4	(	(	PUNCT
fsr-3434	51	5	2015	2015	NUM
fsr-3434	51	6	)	)	PUNCT
fsr-3434	51	7	partnered	partner	VERB
fsr-3434	51	8	with	with	ADP
fsr-3434	51	9	a	a	DET
fsr-3434	51	10	market	market	NOUN
fsr-3434	51	11	research	research	NOUN
fsr-3434	51	12	firm	firm	NOUN
fsr-3434	51	13	to	to	PART
fsr-3434	51	14	design	design	VERB
fsr-3434	51	15	a	a	DET
fsr-3434	51	16	survey	survey	NOUN
fsr-3434	51	17	,	,	PUNCT
fsr-3434	51	18	develop	develop	VERB
fsr-3434	51	19	their	their	PRON
fsr-3434	51	20	own	own	ADJ
fsr-3434	51	21	set	set	NOUN
fsr-3434	51	22	of	of	ADP
fsr-3434	51	23	financial	financial	ADJ
fsr-3434	51	24	literacy	literacy	NOUN
fsr-3434	51	25	questions	question	NOUN
fsr-3434	51	26	,	,	PUNCT
fsr-3434	51	27	and	and	CCONJ
fsr-3434	51	28	collect	collect	VERB
fsr-3434	51	29	data	datum	NOUN
fsr-3434	51	30	from	from	ADP
fsr-3434	51	31	1,000	1,000	NUM
fsr-3434	51	32	u.s	u.s	PROPN
fsr-3434	51	33	.	.	PROPN
fsr-3434	51	34	residents	resident	NOUN
fsr-3434	51	35	via	via	ADP
fsr-3434	51	36	telephone	telephone	NOUN
fsr-3434	51	37	in	in	ADP
fsr-3434	51	38	2007	2007	NUM
fsr-3434	51	39	.	.	PUNCT
fsr-3434	52	1	they	they	PRON
fsr-3434	52	2	used	use	VERB
fsr-3434	52	3	data	datum	NOUN
fsr-3434	52	4	concerning	concern	VERB
fsr-3434	52	5	debt	debt	NOUN
fsr-3434	52	6	from	from	ADP
fsr-3434	52	7	surveys	survey	NOUN
fsr-3434	52	8	such	such	ADJ
fsr-3434	52	9	as	as	ADP
fsr-3434	52	10	the	the	DET
fsr-3434	52	11	health	health	NOUN
fsr-3434	52	12	and	and	CCONJ
fsr-3434	52	13	retirement	retirement	NOUN
fsr-3434	52	14	study	study	NOUN
fsr-3434	52	15	(	(	PUNCT
fsr-3434	52	16	hrs	hrs	NOUN
fsr-3434	52	17	)	)	PUNCT
fsr-3434	52	18	,	,	PUNCT
fsr-3434	52	19	the	the	DET
fsr-3434	52	20	rand	rand	NOUN
fsr-3434	52	21	american	american	PROPN
fsr-3434	52	22	life	life	PROPN
fsr-3434	52	23	panel	panel	NOUN
fsr-3434	52	24	(	(	PUNCT
fsr-3434	52	25	alp	alp	PROPN
fsr-3434	52	26	)	)	PUNCT
fsr-3434	52	27	,	,	PUNCT
fsr-3434	52	28	and	and	CCONJ
fsr-3434	52	29	the	the	DET
fsr-3434	52	30	survey	survey	NOUN
fsr-3434	52	31	of	of	ADP
fsr-3434	52	32	consumers	consumer	NOUN
fsr-3434	52	33	,	,	PUNCT
fsr-3434	52	34	but	but	CCONJ
fsr-3434	52	35	no	no	DET
fsr-3434	52	36	data	datum	NOUN
fsr-3434	52	37	regarding	regard	VERB
fsr-3434	52	38	financial	financial	ADJ
fsr-3434	52	39	literacy	literacy	NOUN
fsr-3434	52	40	existed	exist	VERB
fsr-3434	52	41	at	at	ADP
fsr-3434	52	42	the	the	DET
fsr-3434	52	43	time	time	NOUN
fsr-3434	52	44	of	of	ADP
fsr-3434	52	45	their	their	PRON
fsr-3434	52	46	study	study	NOUN
fsr-3434	52	47	.	.	PUNCT
fsr-3434	53	1	they	they	PRON
fsr-3434	53	2	find	find	VERB
fsr-3434	53	3	that	that	SCONJ
fsr-3434	53	4	an	an	DET
fsr-3434	53	5	increase	increase	NOUN
fsr-3434	53	6	in	in	ADP
fsr-3434	53	7	financial	financial	ADJ
fsr-3434	53	8	literacy	literacy	NOUN
fsr-3434	53	9	is	be	AUX
fsr-3434	53	10	inversely	inversely	ADV
fsr-3434	53	11	related	relate	VERB
fsr-3434	53	12	to	to	ADP
fsr-3434	53	13	the	the	DET
fsr-3434	53	14	use	use	NOUN
fsr-3434	53	15	of	of	ADP
fsr-3434	53	16	high	high	ADJ
fsr-3434	53	17	-	-	PUNCT
fsr-3434	53	18	cost	cost	NOUN
fsr-3434	53	19	debt	debt	NOUN
fsr-3434	53	20	and	and	CCONJ
fsr-3434	53	21	high	high	ADJ
fsr-3434	53	22	fees	fee	NOUN
fsr-3434	53	23	.	.	PUNCT
fsr-3434	54	1	they	they	PRON
fsr-3434	54	2	attribute	attribute	VERB
fsr-3434	54	3	30	30	NUM
fsr-3434	54	4	%	%	NOUN
fsr-3434	54	5	of	of	ADP
fsr-3434	54	6	the	the	DET
fsr-3434	54	7	fees	fee	NOUN
fsr-3434	54	8	collected	collect	VERB
fsr-3434	54	9	by	by	ADP
fsr-3434	54	10	credit	credit	NOUN
fsr-3434	54	11	card	card	NOUN
fsr-3434	54	12	companies	company	NOUN
fsr-3434	54	13	to	to	ADP
fsr-3434	54	14	financial	financial	ADJ
fsr-3434	54	15	ignorance	ignorance	NOUN
fsr-3434	54	16	.	.	PUNCT
fsr-3434	55	1	additionally	additionally	ADV
fsr-3434	55	2	,	,	PUNCT
fsr-3434	55	3	lusardi	lusardi	NOUN
fsr-3434	55	4	and	and	CCONJ
fsr-3434	55	5	mitchell	mitchell	PROPN
fsr-3434	55	6	(	(	PUNCT
fsr-3434	55	7	2011b	2011b	NUM
fsr-3434	55	8	)	)	PUNCT
fsr-3434	55	9	find	find	VERB
fsr-3434	55	10	that	that	SCONJ
fsr-3434	55	11	increased	increase	VERB
fsr-3434	55	12	financial	financial	ADJ
fsr-3434	55	13	literacy	literacy	NOUN
fsr-3434	55	14	is	be	AUX
fsr-3434	55	15	positively	positively	ADV
fsr-3434	55	16	correlated	correlate	VERB
fsr-3434	55	17	with	with	ADP
fsr-3434	55	18	deliberate	deliberate	ADJ
fsr-3434	55	19	long	long	ADJ
fsr-3434	55	20	-	-	PUNCT
fsr-3434	55	21	term	term	NOUN
fsr-3434	55	22	planning	planning	NOUN
fsr-3434	55	23	and	and	CCONJ
fsr-3434	55	24	,	,	PUNCT
fsr-3434	55	25	consequently	consequently	ADV
fsr-3434	55	26	,	,	PUNCT
fsr-3434	55	27	higher	high	ADJ
fsr-3434	55	28	retirement	retirement	NOUN
fsr-3434	55	29	wealth	wealth	NOUN
fsr-3434	55	30	.	.	PUNCT
fsr-3434	56	1	overall	overall	ADJ
fsr-3434	56	2	,	,	PUNCT
fsr-3434	56	3	variations	variation	NOUN
fsr-3434	56	4	in	in	ADP
fsr-3434	56	5	financial	financial	ADJ
fsr-3434	56	6	literacy	literacy	NOUN
fsr-3434	56	7	explain	explain	VERB
fsr-3434	56	8	30	30	NUM
fsr-3434	56	9	-	-	SYM
fsr-3434	56	10	40	40	NUM
fsr-3434	56	11	%	%	NOUN
fsr-3434	56	12	of	of	ADP
fsr-3434	56	13	the	the	DET
fsr-3434	56	14	inequality	inequality	NOUN
fsr-3434	56	15	in	in	ADP
fsr-3434	56	16	retirement	retirement	NOUN
fsr-3434	56	17	wealth	wealth	NOUN
fsr-3434	56	18	(	(	PUNCT
fsr-3434	56	19	lusardi	lusardi	PROPN
fsr-3434	56	20	,	,	PUNCT
fsr-3434	56	21	michaud	michaud	PROPN
fsr-3434	56	22	,	,	PUNCT
fsr-3434	56	23	&	&	CCONJ
fsr-3434	56	24	mitchell	mitchell	PROPN
fsr-3434	56	25	,	,	PUNCT
fsr-3434	56	26	2017	2017	NUM
fsr-3434	56	27	)	)	PUNCT
fsr-3434	56	28	.	.	PUNCT
fsr-3434	57	1	although	although	SCONJ
fsr-3434	57	2	there	there	PRON
fsr-3434	57	3	is	be	VERB
fsr-3434	57	4	consensus	consensus	NOUN
fsr-3434	57	5	on	on	ADP
fsr-3434	57	6	the	the	DET
fsr-3434	57	7	positive	positive	ADJ
fsr-3434	57	8	impact	impact	NOUN
fsr-3434	57	9	of	of	ADP
fsr-3434	57	10	financial	financial	ADJ
fsr-3434	57	11	education	education	NOUN
fsr-3434	57	12	on	on	ADP
fsr-3434	57	13	financial	financial	ADJ
fsr-3434	57	14	literacy	literacy	NOUN
fsr-3434	57	15	,	,	PUNCT
fsr-3434	57	16	al	al	PROPN
fsr-3434	57	17	-	-	PUNCT
fsr-3434	57	18	bahrani	bahrani	PROPN
fsr-3434	57	19	,	,	PUNCT
fsr-3434	57	20	weathers	weather	NOUN
fsr-3434	57	21	,	,	PUNCT
fsr-3434	57	22	and	and	CCONJ
fsr-3434	57	23	patel	patel	NOUN
fsr-3434	57	24	(	(	PUNCT
fsr-3434	57	25	2019	2019	NUM
fsr-3434	57	26	)	)	PUNCT
fsr-3434	57	27	find	find	VERB
fsr-3434	57	28	variation	variation	NOUN
fsr-3434	57	29	in	in	ADP
fsr-3434	57	30	returns	return	NOUN
fsr-3434	57	31	to	to	ADP
fsr-3434	57	32	formal	formal	ADJ
fsr-3434	57	33	financial	financial	ADJ
fsr-3434	57	34	literacy	literacy	NOUN
fsr-3434	57	35	education	education	NOUN
fsr-3434	57	36	by	by	ADP
fsr-3434	57	37	race	race	NOUN
fsr-3434	57	38	,	,	PUNCT
fsr-3434	57	39	whereby	whereby	SCONJ
fsr-3434	57	40	white	white	ADJ
fsr-3434	57	41	individuals	individual	NOUN
fsr-3434	57	42	exhibit	exhibit	VERB
fsr-3434	57	43	significantly	significantly	ADV
fsr-3434	57	44	higher	high	ADJ
fsr-3434	57	45	financial	financial	ADJ
fsr-3434	57	46	literacy	literacy	NOUN
fsr-3434	57	47	scores	score	NOUN
fsr-3434	57	48	than	than	ADP
fsr-3434	57	49	minorities	minority	NOUN
fsr-3434	57	50	,	,	PUNCT
fsr-3434	57	51	all	all	PRON
fsr-3434	57	52	else	else	ADV
fsr-3434	57	53	being	be	AUX
fsr-3434	57	54	equal	equal	ADJ
fsr-3434	57	55	.	.	PUNCT
fsr-3434	58	1	beyond	beyond	ADP
fsr-3434	58	2	potential	potential	ADJ
fsr-3434	58	3	curriculum	curriculum	NOUN
fsr-3434	58	4	bias	bias	NOUN
fsr-3434	58	5	,	,	PUNCT
fsr-3434	58	6	the	the	DET
fsr-3434	58	7	scope	scope	NOUN
fsr-3434	58	8	and	and	CCONJ
fsr-3434	58	9	timing	timing	NOUN
fsr-3434	58	10	of	of	ADP
fsr-3434	58	11	financial	financial	ADJ
fsr-3434	58	12	education	education	NOUN
fsr-3434	58	13	are	be	AUX
fsr-3434	58	14	crucial	crucial	ADJ
fsr-3434	58	15	to	to	ADP
fsr-3434	58	16	its	its	PRON
fsr-3434	58	17	effectiveness	effectiveness	NOUN
fsr-3434	58	18	.	.	PUNCT
fsr-3434	59	1	“	"	PUNCT
fsr-3434	59	2	teachable	teachable	ADJ
fsr-3434	59	3	moments	moment	NOUN
fsr-3434	59	4	,	,	PUNCT
fsr-3434	59	5	”	"	PUNCT
fsr-3434	59	6	or	or	CCONJ
fsr-3434	59	7	education	education	NOUN
fsr-3434	59	8	aimed	aim	VERB
fsr-3434	59	9	at	at	ADP
fsr-3434	59	10	altering	alter	VERB
fsr-3434	59	11	a	a	DET
fsr-3434	59	12	specific	specific	ADJ
fsr-3434	59	13	financial	financial	ADJ
fsr-3434	59	14	behavior	behavior	NOUN
fsr-3434	59	15	,	,	PUNCT
fsr-3434	59	16	prove	prove	VERB
fsr-3434	59	17	more	more	ADV
fsr-3434	59	18	effective	effective	ADJ
fsr-3434	59	19	than	than	ADP
fsr-3434	59	20	comprehensive	comprehensive	ADJ
fsr-3434	59	21	financial	financial	ADJ
fsr-3434	59	22	education	education	NOUN
fsr-3434	59	23	(	(	PUNCT
fsr-3434	59	24	e.g.	e.g.	ADV
fsr-3434	59	25	,	,	PUNCT
fsr-3434	59	26	miller	miller	PROPN
fsr-3434	59	27	et	et	PROPN
fsr-3434	59	28	al	al	PROPN
fsr-3434	59	29	.	.	PROPN
fsr-3434	59	30	,	,	PUNCT
fsr-3434	59	31	2015	2015	NUM
fsr-3434	59	32	;	;	PUNCT
fsr-3434	59	33	zhan	zhan	PROPN
fsr-3434	59	34	,	,	PUNCT
fsr-3434	59	35	anderson	anderson	PROPN
fsr-3434	59	36	,	,	PUNCT
fsr-3434	59	37	&	&	CCONJ
fsr-3434	59	38	scott	scott	PROPN
fsr-3434	59	39	,	,	PUNCT
fsr-3434	59	40	a.	a.	PROPN
fsr-3434	59	41	al	al	PROPN
fsr-3434	59	42	-	-	PUNCT
fsr-3434	59	43	bahrani	bahrani	PROPN
fsr-3434	59	44	et	et	PROPN
fsr-3434	59	45	al	al	PROPN
fsr-3434	59	46	.	.	PUNCT
fsr-3434	59	47	/	/	SYM
fsr-3434	59	48	financial	financial	ADJ
fsr-3434	59	49	services	service	NOUN
fsr-3434	59	50	review	review	VERB
fsr-3434	59	51	28	28	NUM
fsr-3434	59	52	(	(	PUNCT
fsr-3434	59	53	2020	2020	NUM
fsr-3434	59	54	)	)	PUNCT
fsr-3434	60	1	303–314	303–314	NUM
fsr-3434	60	2	305	305	NUM
fsr-3434	60	3	t	t	PROPN
fsr-3434	60	4	ab	ab	X
fsr-3434	60	5	le	le	PROPN
fsr-3434	60	6	1	1	PROPN
fsr-3434	60	7	s	s	PART
fsr-3434	60	8	u	u	NOUN
fsr-3434	60	9	m	m	NOUN
fsr-3434	60	10	m	m	PROPN
fsr-3434	60	11	ar	ar	PROPN
fsr-3434	60	12	y	y	PROPN
fsr-3434	60	13	st	st	PROPN
fsr-3434	60	14	at	at	ADP
fsr-3434	60	15	is	be	AUX
fsr-3434	60	16	ti	ti	X
fsr-3434	60	17	cs	cs	PROPN
fsr-3434	60	18	f	f	PROPN
fsr-3434	60	19	u	u	PROPN
fsr-3434	60	20	ll	ll	AUX
fsr-3434	60	21	sa	sa	VERB
fsr-3434	60	22	m	m	PROPN
fsr-3434	60	23	p	p	X
fsr-3434	60	24	le	le	X
fsr-3434	60	25	s	s	PROPN
fsr-3434	60	26	o	o	X
fsr-3434	61	1	ci	ci	NOUN
fsr-3434	61	2	al	al	PROPN
fsr-3434	61	3	p	p	PROPN
fsr-3434	61	4	ro	ro	PROPN
fsr-3434	62	1	g	g	PROPN
fsr-3434	62	2	ra	ra	PROPN
fsr-3434	62	3	m	m	PROPN
fsr-3434	62	4	p	p	PROPN
fsr-3434	62	5	ar	ar	PROPN
fsr-3434	62	6	ti	ti	PROPN
fsr-3434	62	7	ci	ci	PROPN
fsr-3434	62	8	p	p	NOUN
fsr-3434	62	9	an	an	DET
fsr-3434	62	10	ts	ts	ADP
fsr-3434	62	11	n	n	ADP
fsr-3434	62	12	o	o	NOUN
fsr-3434	62	13	n	n	CCONJ
fsr-3434	62	14	-p	-p	PROPN
fsr-3434	62	15	ar	ar	NOUN
fsr-3434	62	16	ti	ti	NOUN
fsr-3434	62	17	ci	ci	PROPN
fsr-3434	62	18	p	p	NOUN
fsr-3434	62	19	an	an	DET
fsr-3434	62	20	ts	ts	ADP
fsr-3434	62	21	t	t	PROPN
fsr-3434	62	22	st	st	PROPN
fsr-3434	62	23	at	at	ADP
fsr-3434	62	24	m	m	PROPN
fsr-3434	62	25	ea	ea	ADP
fsr-3434	63	1	n	n	NUM
fsr-3434	63	2	s	s	NOUN
fsr-3434	63	3	ta	ta	X
fsr-3434	63	4	n	n	PROPN
fsr-3434	63	5	d	d	PROPN
fsr-3434	63	6	ar	ar	PROPN
fsr-3434	63	7	d	d	PROPN
fsr-3434	63	8	d	d	X
fsr-3434	63	9	ev	ev	X
fsr-3434	63	10	ia	ia	PROPN
fsr-3434	63	11	ti	ti	PROPN
fsr-3434	63	12	o	o	PROPN
fsr-3434	63	13	n	n	INTJ
fsr-3434	63	14	m	m	NOUN
fsr-3434	63	15	ea	ea	NOUN
fsr-3434	64	1	n	n	NUM
fsr-3434	64	2	s	s	NOUN
fsr-3434	64	3	ta	ta	X
fsr-3434	64	4	n	n	PROPN
fsr-3434	64	5	d	d	PROPN
fsr-3434	64	6	ar	ar	PROPN
fsr-3434	64	7	d	d	PROPN
fsr-3434	64	8	d	d	X
fsr-3434	64	9	ev	ev	X
fsr-3434	64	10	ia	ia	PROPN
fsr-3434	64	11	ti	ti	PROPN
fsr-3434	64	12	o	o	PROPN
fsr-3434	64	13	n	n	INTJ
fsr-3434	64	14	m	m	NOUN
fsr-3434	64	15	ea	ea	NOUN
fsr-3434	65	1	n	n	NUM
fsr-3434	65	2	s	s	NOUN
fsr-3434	65	3	ta	ta	X
fsr-3434	65	4	n	n	PROPN
fsr-3434	65	5	d	d	PROPN
fsr-3434	65	6	ar	ar	PROPN
fsr-3434	65	7	d	d	PROPN
fsr-3434	65	8	d	d	X
fsr-3434	65	9	ev	ev	X
fsr-3434	65	10	ia	ia	PROPN
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fsr-3434	75	5	#	#	NOUN
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fsr-3434	121	14	a	a	DET
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fsr-3434	124	8	ss	ss	PROPN
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fsr-3434	131	20	5	5	NUM
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fsr-3434	140	3	0	0	NUM
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fsr-3434	140	20	5	5	NUM
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fsr-3434	141	36	8	8	NUM
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fsr-3434	141	46	/	/	SYM
fsr-3434	141	47	financial	financial	ADJ
fsr-3434	141	48	services	service	NOUN
fsr-3434	141	49	review	review	VERB
fsr-3434	141	50	28	28	NUM
fsr-3434	141	51	(	(	PUNCT
fsr-3434	141	52	2020	2020	NUM
fsr-3434	141	53	)	)	PUNCT
fsr-3434	142	1	303–314	303–314	NUM
fsr-3434	142	2	2006	2006	NUM
fsr-3434	142	3	)	)	PUNCT
fsr-3434	142	4	.	.	PUNCT
fsr-3434	143	1	further	far	ADV
fsr-3434	143	2	,	,	PUNCT
fsr-3434	143	3	kaiser	kaiser	PROPN
fsr-3434	143	4	and	and	CCONJ
fsr-3434	143	5	menkhoff	menkhoff	PROPN
fsr-3434	143	6	(	(	PUNCT
fsr-3434	143	7	2017	2017	NUM
fsr-3434	143	8	)	)	PUNCT
fsr-3434	143	9	report	report	VERB
fsr-3434	143	10	less	less	ADV
fsr-3434	143	11	beneficial	beneficial	ADJ
fsr-3434	143	12	outcomes	outcome	NOUN
fsr-3434	143	13	from	from	ADP
fsr-3434	143	14	mandated	mandate	VERB
fsr-3434	143	15	financial	financial	ADJ
fsr-3434	143	16	education	education	NOUN
fsr-3434	143	17	relative	relative	ADJ
fsr-3434	143	18	to	to	ADP
fsr-3434	143	19	optional	optional	ADJ
fsr-3434	143	20	financial	financial	ADJ
fsr-3434	143	21	education	education	NOUN
fsr-3434	143	22	,	,	PUNCT
fsr-3434	143	23	even	even	ADV
fsr-3434	143	24	after	after	ADP
fsr-3434	143	25	controlling	control	VERB
fsr-3434	143	26	for	for	ADP
fsr-3434	143	27	teachable	teachable	ADJ
fsr-3434	143	28	moments	moment	NOUN
fsr-3434	143	29	.	.	PUNCT
fsr-3434	144	1	these	these	DET
fsr-3434	144	2	findings	finding	NOUN
fsr-3434	144	3	bring	bring	VERB
fsr-3434	144	4	into	into	ADP
fsr-3434	144	5	question	question	NOUN
fsr-3434	144	6	the	the	DET
fsr-3434	144	7	equity	equity	NOUN
fsr-3434	144	8	of	of	ADP
fsr-3434	144	9	results	result	NOUN
fsr-3434	144	10	from	from	ADP
fsr-3434	144	11	financial	financial	ADJ
fsr-3434	144	12	literacy	literacy	NOUN
fsr-3434	144	13	program	program	NOUN
fsr-3434	144	14	mandates	mandate	NOUN
fsr-3434	144	15	(	(	PUNCT
fsr-3434	144	16	i.e.	i.e.	X
fsr-3434	144	17	,	,	PUNCT
fsr-3434	144	18	formal	formal	ADJ
fsr-3434	144	19	financial	financial	ADJ
fsr-3434	144	20	literacy	literacy	NOUN
fsr-3434	144	21	education	education	NOUN
fsr-3434	144	22	)	)	PUNCT
fsr-3434	144	23	.	.	PUNCT
fsr-3434	145	1	we	we	PRON
fsr-3434	145	2	use	use	VERB
fsr-3434	145	3	non	non	ADJ
fsr-3434	145	4	-	-	ADJ
fsr-3434	145	5	public	public	ADJ
fsr-3434	145	6	use	use	NOUN
fsr-3434	145	7	data	datum	NOUN
fsr-3434	145	8	from	from	ADP
fsr-3434	145	9	the	the	DET
fsr-3434	145	10	2018	2018	NUM
fsr-3434	145	11	national	national	ADJ
fsr-3434	145	12	financial	financial	ADJ
fsr-3434	145	13	capability	capability	NOUN
fsr-3434	145	14	study	study	NOUN
fsr-3434	145	15	(	(	PUNCT
fsr-3434	145	16	nfcs	nfc	NOUN
fsr-3434	145	17	)	)	PUNCT
fsr-3434	145	18	to	to	PART
fsr-3434	145	19	examine	examine	VERB
fsr-3434	145	20	the	the	DET
fsr-3434	145	21	relationship	relationship	NOUN
fsr-3434	145	22	between	between	ADP
fsr-3434	145	23	the	the	DET
fsr-3434	145	24	use	use	NOUN
fsr-3434	145	25	of	of	ADP
fsr-3434	145	26	social	social	ADJ
fsr-3434	145	27	safety	safety	NOUN
fsr-3434	145	28	nets	net	NOUN
fsr-3434	145	29	,	,	PUNCT
fsr-3434	145	30	financial	financial	ADJ
fsr-3434	145	31	literacy	literacy	NOUN
fsr-3434	145	32	,	,	PUNCT
fsr-3434	145	33	and	and	CCONJ
fsr-3434	145	34	participation	participation	NOUN
fsr-3434	145	35	in	in	ADP
fsr-3434	145	36	mandatory	mandatory	ADJ
fsr-3434	145	37	financial	financial	ADJ
fsr-3434	145	38	education	education	NOUN
fsr-3434	145	39	.	.	PUNCT
fsr-3434	146	1	the	the	DET
fsr-3434	146	2	non	non	ADJ
fsr-3434	146	3	-	-	ADJ
fsr-3434	146	4	public	public	ADJ
fsr-3434	146	5	use	use	NOUN
fsr-3434	146	6	data	datum	NOUN
fsr-3434	146	7	set	set	VERB
fsr-3434	146	8	also	also	ADV
fsr-3434	146	9	provides	provide	VERB
fsr-3434	146	10	useful	useful	ADJ
fsr-3434	146	11	information	information	NOUN
fsr-3434	146	12	concerning	concern	VERB
fsr-3434	146	13	control	control	NOUN
fsr-3434	146	14	variables	variable	NOUN
fsr-3434	146	15	,	,	PUNCT
fsr-3434	146	16	including	include	VERB
fsr-3434	146	17	a	a	DET
fsr-3434	146	18	continuous	continuous	ADJ
fsr-3434	146	19	measure	measure	NOUN
fsr-3434	146	20	of	of	ADP
fsr-3434	146	21	age	age	NOUN
fsr-3434	146	22	,	,	PUNCT
fsr-3434	146	23	racial	racial	ADJ
fsr-3434	146	24	/	/	SYM
fsr-3434	146	25	ethnic	ethnic	ADJ
fsr-3434	146	26	classification	classification	NOUN
fsr-3434	146	27	,	,	PUNCT
fsr-3434	146	28	number	number	NOUN
fsr-3434	146	29	of	of	ADP
fsr-3434	146	30	dependents	dependent	NOUN
fsr-3434	146	31	,	,	PUNCT
fsr-3434	146	32	income	income	NOUN
fsr-3434	146	33	,	,	PUNCT
fsr-3434	146	34	education	education	NOUN
fsr-3434	146	35	level	level	NOUN
fsr-3434	146	36	,	,	PUNCT
fsr-3434	146	37	and	and	CCONJ
fsr-3434	146	38	employment	employment	NOUN
fsr-3434	146	39	status	status	NOUN
fsr-3434	146	40	.	.	PUNCT
fsr-3434	147	1	3	3	X
fsr-3434	147	2	.	.	X
fsr-3434	147	3	data	datum	NOUN
fsr-3434	147	4	the	the	DET
fsr-3434	147	5	nfcs	nfcs	PROPN
fsr-3434	147	6	survey	survey	NOUN
fsr-3434	147	7	data	datum	NOUN
fsr-3434	147	8	includes	include	VERB
fsr-3434	147	9	the	the	DET
fsr-3434	147	10	“	"	PUNCT
fsr-3434	147	11	big	big	ADJ
fsr-3434	147	12	five	five	NUM
fsr-3434	147	13	”	"	PUNCT
fsr-3434	147	14	measure	measure	NOUN
fsr-3434	147	15	of	of	ADP
fsr-3434	147	16	financial	financial	ADJ
fsr-3434	147	17	literacy	literacy	NOUN
fsr-3434	147	18	,	,	PUNCT
fsr-3434	147	19	which	which	PRON
fsr-3434	147	20	is	be	AUX
fsr-3434	147	21	a	a	DET
fsr-3434	147	22	resource	resource	NOUN
fsr-3434	147	23	frequently	frequently	ADV
fsr-3434	147	24	used	use	VERB
fsr-3434	147	25	by	by	ADP
fsr-3434	147	26	researchers	researcher	NOUN
fsr-3434	147	27	in	in	ADP
fsr-3434	147	28	this	this	DET
fsr-3434	147	29	field	field	NOUN
fsr-3434	147	30	(	(	PUNCT
fsr-3434	147	31	e.g.	e.g.	ADV
fsr-3434	147	32	,	,	PUNCT
fsr-3434	147	33	al	al	PROPN
fsr-3434	147	34	-	-	PUNCT
fsr-3434	147	35	bahrani	bahrani	PROPN
fsr-3434	147	36	,	,	PUNCT
fsr-3434	147	37	weathers	weather	NOUN
fsr-3434	147	38	,	,	PUNCT
fsr-3434	147	39	&	&	CCONJ
fsr-3434	147	40	patel	patel	PROPN
fsr-3434	147	41	,	,	PUNCT
fsr-3434	147	42	2019	2019	NUM
fsr-3434	147	43	;	;	PUNCT
fsr-3434	147	44	harvey	harvey	NOUN
fsr-3434	147	45	,	,	PUNCT
fsr-3434	147	46	2019	2019	NUM
fsr-3434	147	47	;	;	PUNCT
fsr-3434	147	48	lusardi	lusardi	NOUN
fsr-3434	147	49	,	,	PUNCT
fsr-3434	147	50	2019	2019	NUM
fsr-3434	147	51	)	)	PUNCT
fsr-3434	147	52	.	.	PUNCT
fsr-3434	148	1	it	it	PRON
fsr-3434	148	2	also	also	ADV
fsr-3434	148	3	includes	include	VERB
fsr-3434	148	4	information	information	NOUN
fsr-3434	148	5	as	as	ADP
fsr-3434	148	6	to	to	ADP
fsr-3434	148	7	whether	whether	SCONJ
fsr-3434	148	8	participation	participation	NOUN
fsr-3434	148	9	in	in	ADP
fsr-3434	148	10	financial	financial	ADJ
fsr-3434	148	11	literacy	literacy	NOUN
fsr-3434	148	12	education	education	NOUN
fsr-3434	148	13	was	be	AUX
fsr-3434	148	14	required	require	VERB
fsr-3434	148	15	,	,	PUNCT
fsr-3434	148	16	giving	give	VERB
fsr-3434	148	17	us	we	PRON
fsr-3434	148	18	the	the	DET
fsr-3434	148	19	ability	ability	NOUN
fsr-3434	148	20	to	to	PART
fsr-3434	148	21	isolate	isolate	VERB
fsr-3434	148	22	the	the	DET
fsr-3434	148	23	effect	effect	NOUN
fsr-3434	148	24	of	of	ADP
fsr-3434	148	25	mandated	mandate	VERB
fsr-3434	148	26	financial	financial	ADJ
fsr-3434	148	27	literacy	literacy	NOUN
fsr-3434	148	28	education	education	NOUN
fsr-3434	148	29	from	from	ADP
fsr-3434	148	30	financial	financial	ADJ
fsr-3434	148	31	literacy	literacy	NOUN
fsr-3434	148	32	education	education	NOUN
fsr-3434	148	33	that	that	SCONJ
fsr-3434	148	34	students	student	NOUN
fsr-3434	148	35	have	have	AUX
fsr-3434	148	36	chosen	choose	VERB
fsr-3434	148	37	to	to	PART
fsr-3434	148	38	receive	receive	VERB
fsr-3434	148	39	.	.	PUNCT
fsr-3434	149	1	further	far	ADV
fsr-3434	149	2	,	,	PUNCT
fsr-3434	149	3	analysis	analysis	NOUN
fsr-3434	149	4	of	of	ADP
fsr-3434	149	5	the	the	DET
fsr-3434	149	6	high	high	ADJ
fsr-3434	149	7	school	school	NOUN
fsr-3434	149	8	data	datum	NOUN
fsr-3434	149	9	allows	allow	VERB
fsr-3434	149	10	us	we	PRON
fsr-3434	149	11	to	to	PART
fsr-3434	149	12	compare	compare	VERB
fsr-3434	149	13	three	three	NUM
fsr-3434	149	14	possible	possible	ADJ
fsr-3434	149	15	participation	participation	NOUN
fsr-3434	149	16	categories	category	NOUN
fsr-3434	149	17	:	:	PUNCT
fsr-3434	149	18	no	no	DET
fsr-3434	149	19	exposure	exposure	NOUN
fsr-3434	149	20	to	to	ADP
fsr-3434	149	21	financial	financial	ADJ
fsr-3434	149	22	literacy	literacy	NOUN
fsr-3434	149	23	education	education	NOUN
fsr-3434	149	24	in	in	ADP
fsr-3434	149	25	high	high	ADJ
fsr-3434	149	26	school	school	NOUN
fsr-3434	149	27	,	,	PUNCT
fsr-3434	149	28	chosen	choose	VERB
fsr-3434	149	29	exposure	exposure	NOUN
fsr-3434	149	30	in	in	ADP
fsr-3434	149	31	high	high	ADJ
fsr-3434	149	32	school	school	NOUN
fsr-3434	149	33	,	,	PUNCT
fsr-3434	149	34	and	and	CCONJ
fsr-3434	149	35	mandatory	mandatory	ADJ
fsr-3434	149	36	exposure	exposure	NOUN
fsr-3434	149	37	in	in	ADP
fsr-3434	149	38	high	high	ADJ
fsr-3434	149	39	school	school	NOUN
fsr-3434	149	40	.	.	PUNCT
fsr-3434	150	1	the	the	DET
fsr-3434	150	2	non	non	ADJ
fsr-3434	150	3	-	-	ADJ
fsr-3434	150	4	public	public	ADJ
fsr-3434	150	5	use	use	NOUN
fsr-3434	150	6	dataset	dataset	NOUN
fsr-3434	150	7	has	have	VERB
fsr-3434	150	8	27,091	27,091	NUM
fsr-3434	150	9	observations	observation	NOUN
fsr-3434	150	10	,	,	PUNCT
fsr-3434	150	11	with	with	ADP
fsr-3434	150	12	500	500	NUM
fsr-3434	150	13	respondents	respondent	NOUN
fsr-3434	150	14	per	per	ADP
fsr-3434	150	15	state	state	NOUN
fsr-3434	150	16	and	and	CCONJ
fsr-3434	150	17	oversampling	oversampling	NOUN
fsr-3434	150	18	in	in	ADP
fsr-3434	150	19	california	california	PROPN
fsr-3434	150	20	,	,	PUNCT
fsr-3434	150	21	illinois	illinois	PROPN
fsr-3434	150	22	,	,	PUNCT
fsr-3434	150	23	new	new	PROPN
fsr-3434	150	24	york	york	PROPN
fsr-3434	150	25	,	,	PUNCT
fsr-3434	150	26	and	and	CCONJ
fsr-3434	150	27	texas	texas	PROPN
fsr-3434	150	28	.	.	PUNCT
fsr-3434	151	1	because	because	SCONJ
fsr-3434	151	2	social	social	ADJ
fsr-3434	151	3	program	program	NOUN
fsr-3434	151	4	participation	participation	NOUN
fsr-3434	151	5	has	have	VERB
fsr-3434	151	6	an	an	DET
fsr-3434	151	7	income	income	NOUN
fsr-3434	151	8	consideration	consideration	NOUN
fsr-3434	151	9	,	,	PUNCT
fsr-3434	151	10	we	we	PRON
fsr-3434	151	11	further	far	ADV
fsr-3434	151	12	restrict	restrict	VERB
fsr-3434	151	13	our	our	PRON
fsr-3434	151	14	sample	sample	NOUN
fsr-3434	151	15	to	to	ADP
fsr-3434	151	16	those	those	PRON
fsr-3434	151	17	making	make	VERB
fsr-3434	151	18	$	$	SYM
fsr-3434	151	19	50,000	50,000	NUM
fsr-3434	151	20	or	or	CCONJ
fsr-3434	151	21	less	less	ADJ
fsr-3434	151	22	per	per	ADP
fsr-3434	151	23	annum	annum	NOUN
fsr-3434	151	24	,	,	PUNCT
fsr-3434	151	25	and	and	CCONJ
fsr-3434	151	26	who	who	PRON
fsr-3434	151	27	are	be	AUX
fsr-3434	151	28	younger	young	ADJ
fsr-3434	151	29	than	than	ADP
fsr-3434	151	30	80	80	NUM
fsr-3434	151	31	years	year	NOUN
fsr-3434	151	32	of	of	ADP
fsr-3434	151	33	age	age	NOUN
fsr-3434	151	34	.	.	PUNCT
fsr-3434	152	1	we	we	PRON
fsr-3434	152	2	also	also	ADV
fsr-3434	152	3	exclude	exclude	VERB
fsr-3434	152	4	individuals	individual	NOUN
fsr-3434	152	5	selected	select	VERB
fsr-3434	152	6	for	for	ADP
fsr-3434	152	7	financial	financial	ADJ
fsr-3434	152	8	education	education	NOUN
fsr-3434	152	9	in	in	ADP
fsr-3434	152	10	college	college	NOUN
fsr-3434	152	11	or	or	CCONJ
fsr-3434	152	12	through	through	ADP
fsr-3434	152	13	an	an	DET
fsr-3434	152	14	employer	employer	NOUN
fsr-3434	152	15	,	,	PUNCT
fsr-3434	152	16	to	to	PART
fsr-3434	152	17	mitigate	mitigate	VERB
fsr-3434	152	18	measurement	measurement	NOUN
fsr-3434	152	19	noise	noise	NOUN
fsr-3434	152	20	.	.	PUNCT
fsr-3434	153	1	our	our	PRON
fsr-3434	153	2	final	final	ADJ
fsr-3434	153	3	sample	sample	NOUN
fsr-3434	153	4	comprises	comprise	VERB
fsr-3434	153	5	8,657	8,657	NUM
fsr-3434	153	6	survey	survey	NOUN
fsr-3434	153	7	respondents	respondent	NOUN
fsr-3434	153	8	.	.	PUNCT
fsr-3434	154	1	the	the	DET
fsr-3434	154	2	social	social	ADJ
fsr-3434	154	3	program	program	NOUN
fsr-3434	154	4	participants	participant	NOUN
fsr-3434	154	5	comprise	comprise	VERB
fsr-3434	154	6	34	34	NUM
fsr-3434	154	7	%	%	NOUN
fsr-3434	154	8	of	of	ADP
fsr-3434	154	9	this	this	DET
fsr-3434	154	10	sample	sample	NOUN
fsr-3434	154	11	.	.	PUNCT
fsr-3434	155	1	5	5	NUM
fsr-3434	155	2	table	table	NOUN
fsr-3434	155	3	1	1	NUM
fsr-3434	155	4	shows	show	VERB
fsr-3434	155	5	the	the	DET
fsr-3434	155	6	summary	summary	NOUN
fsr-3434	155	7	statistics	statistic	NOUN
fsr-3434	155	8	of	of	ADP
fsr-3434	155	9	the	the	DET
fsr-3434	155	10	variables	variable	NOUN
fsr-3434	155	11	used	use	VERB
fsr-3434	155	12	in	in	ADP
fsr-3434	155	13	our	our	PRON
fsr-3434	155	14	analysis	analysis	NOUN
fsr-3434	155	15	.	.	PUNCT
fsr-3434	156	1	the	the	DET
fsr-3434	156	2	historical	historical	ADJ
fsr-3434	156	3	national	national	ADJ
fsr-3434	156	4	average	average	ADJ
fsr-3434	156	5	proportion	proportion	NOUN
fsr-3434	156	6	of	of	ADP
fsr-3434	156	7	correct	correct	ADJ
fsr-3434	156	8	responses	response	NOUN
fsr-3434	156	9	to	to	ADP
fsr-3434	156	10	the	the	DET
fsr-3434	156	11	big	big	ADJ
fsr-3434	156	12	five	five	NUM
fsr-3434	156	13	questions	question	NOUN
fsr-3434	156	14	in	in	ADP
fsr-3434	156	15	the	the	DET
fsr-3434	156	16	united	united	PROPN
fsr-3434	156	17	states	states	PROPN
fsr-3434	156	18	is	be	AUX
fsr-3434	156	19	60	60	NUM
fsr-3434	156	20	%	%	NOUN
fsr-3434	156	21	(	(	PUNCT
fsr-3434	156	22	three	three	NUM
fsr-3434	156	23	correct	correct	ADJ
fsr-3434	156	24	answers	answer	NOUN
fsr-3434	156	25	)	)	PUNCT
fsr-3434	156	26	.	.	PUNCT
fsr-3434	157	1	in	in	ADP
fsr-3434	157	2	the	the	DET
fsr-3434	157	3	2018	2018	NUM
fsr-3434	157	4	data	datum	NOUN
fsr-3434	157	5	,	,	PUNCT
fsr-3434	157	6	the	the	DET
fsr-3434	157	7	national	national	ADJ
fsr-3434	157	8	average	average	ADJ
fsr-3434	157	9	score	score	NOUN
fsr-3434	157	10	is	be	AUX
fsr-3434	157	11	a	a	DET
fsr-3434	157	12	statistically	statistically	ADV
fsr-3434	157	13	significant	significant	ADJ
fsr-3434	157	14	three	three	NUM
fsr-3434	157	15	percentage	percentage	NOUN
fsr-3434	157	16	points	point	NOUN
fsr-3434	157	17	lower	low	ADJ
fsr-3434	157	18	than	than	ADP
fsr-3434	157	19	the	the	DET
fsr-3434	157	20	2015	2015	NUM
fsr-3434	157	21	data	datum	NOUN
fsr-3434	157	22	,	,	PUNCT
fsr-3434	157	23	while	while	SCONJ
fsr-3434	157	24	our	our	PRON
fsr-3434	157	25	subsample	subsample	NOUN
fsr-3434	157	26	has	have	VERB
fsr-3434	157	27	an	an	DET
fsr-3434	157	28	average	average	ADJ
fsr-3434	157	29	financial	financial	ADJ
fsr-3434	157	30	literacy	literacy	NOUN
fsr-3434	157	31	score	score	NOUN
fsr-3434	157	32	of	of	ADP
fsr-3434	157	33	47	47	NUM
fsr-3434	157	34	%	%	NOUN
fsr-3434	157	35	(	(	PUNCT
fsr-3434	157	36	approximately	approximately	ADV
fsr-3434	157	37	two	two	NUM
fsr-3434	157	38	correct	correct	ADJ
fsr-3434	157	39	answers	answer	NOUN
fsr-3434	157	40	)	)	PUNCT
fsr-3434	157	41	.	.	PUNCT
fsr-3434	158	1	6	6	NUM
fsr-3434	158	2	studies	study	NOUN
fsr-3434	158	3	indicate	indicate	VERB
fsr-3434	158	4	a	a	DET
fsr-3434	158	5	positive	positive	ADJ
fsr-3434	158	6	relationship	relationship	NOUN
fsr-3434	158	7	between	between	ADP
fsr-3434	158	8	income	income	NOUN
fsr-3434	158	9	and	and	CCONJ
fsr-3434	158	10	financial	financial	ADJ
fsr-3434	158	11	literacy	literacy	NOUN
fsr-3434	158	12	;	;	PUNCT
fsr-3434	158	13	thus	thus	ADV
fsr-3434	158	14	,	,	PUNCT
fsr-3434	158	15	we	we	PRON
fsr-3434	158	16	expect	expect	VERB
fsr-3434	158	17	our	our	PRON
fsr-3434	158	18	restricted	restricted	ADJ
fsr-3434	158	19	sample	sample	NOUN
fsr-3434	158	20	—	—	PUNCT
fsr-3434	158	21	in	in	ADP
fsr-3434	158	22	the	the	DET
fsr-3434	158	23	lower	low	ADJ
fsr-3434	158	24	part	part	NOUN
fsr-3434	158	25	of	of	ADP
fsr-3434	158	26	the	the	DET
fsr-3434	158	27	income	income	NOUN
fsr-3434	158	28	distribution	distribution	NOUN
fsr-3434	158	29	—	—	PUNCT
fsr-3434	158	30	to	to	PART
fsr-3434	158	31	exhibit	exhibit	VERB
fsr-3434	158	32	a	a	DET
fsr-3434	158	33	lower	low	ADJ
fsr-3434	158	34	score	score	NOUN
fsr-3434	158	35	than	than	ADP
fsr-3434	158	36	the	the	DET
fsr-3434	158	37	national	national	ADJ
fsr-3434	158	38	average	average	NOUN
fsr-3434	158	39	.	.	PUNCT
fsr-3434	159	1	six	six	NUM
fsr-3434	159	2	percent	percent	NOUN
fsr-3434	159	3	of	of	ADP
fsr-3434	159	4	our	our	PRON
fsr-3434	159	5	sample	sample	NOUN
fsr-3434	159	6	was	be	AUX
fsr-3434	159	7	required	require	VERB
fsr-3434	159	8	to	to	PART
fsr-3434	159	9	take	take	VERB
fsr-3434	159	10	a	a	DET
fsr-3434	159	11	financial	financial	ADJ
fsr-3434	159	12	literacy	literacy	NOUN
fsr-3434	159	13	course	course	NOUN
fsr-3434	159	14	in	in	ADP
fsr-3434	159	15	high	high	ADJ
fsr-3434	159	16	school	school	NOUN
fsr-3434	159	17	.	.	PUNCT
fsr-3434	160	1	however	however	ADV
fsr-3434	160	2	,	,	PUNCT
fsr-3434	160	3	financial	financial	ADJ
fsr-3434	160	4	literacy	literacy	NOUN
fsr-3434	160	5	mandates	mandate	NOUN
fsr-3434	160	6	are	be	AUX
fsr-3434	160	7	relatively	relatively	ADV
fsr-3434	160	8	new	new	ADJ
fsr-3434	160	9	,	,	PUNCT
fsr-3434	160	10	with	with	ADP
fsr-3434	160	11	most	most	ADJ
fsr-3434	160	12	states	state	NOUN
fsr-3434	160	13	introducing	introduce	VERB
fsr-3434	160	14	requirements	requirement	NOUN
fsr-3434	160	15	only	only	ADV
fsr-3434	160	16	after	after	ADP
fsr-3434	160	17	2000	2000	NUM
fsr-3434	160	18	(	(	PUNCT
fsr-3434	160	19	stoddard	stoddard	PROPN
fsr-3434	160	20	&	&	CCONJ
fsr-3434	160	21	urban	urban	ADJ
fsr-3434	160	22	,	,	PUNCT
fsr-3434	160	23	2020	2020	NUM
fsr-3434	160	24	)	)	PUNCT
fsr-3434	160	25	.	.	PUNCT
fsr-3434	161	1	fig	fig	NOUN
fsr-3434	161	2	.	.	PUNCT
fsr-3434	162	1	1	1	NUM
fsr-3434	162	2	shows	show	VERB
fsr-3434	162	3	the	the	DET
fsr-3434	162	4	proportion	proportion	NOUN
fsr-3434	162	5	of	of	ADP
fsr-3434	162	6	people	people	NOUN
fsr-3434	162	7	required	require	VERB
fsr-3434	162	8	to	to	PART
fsr-3434	162	9	participate	participate	VERB
fsr-3434	162	10	in	in	ADP
fsr-3434	162	11	financial	financial	ADJ
fsr-3434	162	12	literacy	literacy	NOUN
fsr-3434	162	13	education	education	NOUN
fsr-3434	162	14	by	by	ADP
fsr-3434	162	15	birth	birth	NOUN
fsr-3434	162	16	year	year	NOUN
fsr-3434	162	17	.	.	PUNCT
fsr-3434	163	1	required	require	VERB
fsr-3434	163	2	high	high	ADJ
fsr-3434	163	3	school	school	NOUN
fsr-3434	163	4	financial	financial	ADJ
fsr-3434	163	5	literacy	literacy	NOUN
fsr-3434	163	6	courses	course	NOUN
fsr-3434	163	7	are	be	AUX
fsr-3434	163	8	most	most	ADV
fsr-3434	163	9	commonly	commonly	ADV
fsr-3434	163	10	undertaken	undertake	VERB
fsr-3434	163	11	by	by	ADP
fsr-3434	163	12	those	those	DET
fsr-3434	163	13	aged	aged	ADJ
fsr-3434	163	14	18–23	18–23	PROPN
fsr-3434	163	15	.	.	PUNCT
fsr-3434	164	1	this	this	PRON
fsr-3434	164	2	is	be	AUX
fsr-3434	164	3	a	a	DET
fsr-3434	164	4	limitation	limitation	NOUN
fsr-3434	164	5	of	of	ADP
fsr-3434	164	6	the	the	DET
fsr-3434	164	7	data	datum	NOUN
fsr-3434	164	8	,	,	PUNCT
fsr-3434	164	9	because	because	SCONJ
fsr-3434	164	10	the	the	DET
fsr-3434	164	11	mandate	mandate	NOUN
fsr-3434	164	12	measure	measure	NOUN
fsr-3434	164	13	is	be	AUX
fsr-3434	164	14	correlated	correlate	VERB
fsr-3434	164	15	with	with	ADP
fsr-3434	164	16	age	age	NOUN
fsr-3434	164	17	and	and	CCONJ
fsr-3434	164	18	,	,	PUNCT
fsr-3434	164	19	if	if	SCONJ
fsr-3434	164	20	age	age	NOUN
fsr-3434	164	21	is	be	AUX
fsr-3434	164	22	correlated	correlate	VERB
fsr-3434	164	23	with	with	ADP
fsr-3434	164	24	participation	participation	NOUN
fsr-3434	164	25	in	in	ADP
fsr-3434	164	26	social	social	ADJ
fsr-3434	164	27	programs	program	NOUN
fsr-3434	164	28	,	,	PUNCT
fsr-3434	164	29	our	our	PRON
fsr-3434	164	30	results	result	NOUN
fsr-3434	164	31	may	may	AUX
fsr-3434	164	32	be	be	AUX
fsr-3434	164	33	biased	bias	VERB
fsr-3434	164	34	.	.	PUNCT
fsr-3434	165	1	a.	a.	PROPN
fsr-3434	165	2	al	al	PROPN
fsr-3434	165	3	-	-	PUNCT
fsr-3434	165	4	bahrani	bahrani	PROPN
fsr-3434	165	5	et	et	PROPN
fsr-3434	165	6	al	al	PROPN
fsr-3434	165	7	.	.	PUNCT
fsr-3434	165	8	/	/	SYM
fsr-3434	165	9	financial	financial	ADJ
fsr-3434	165	10	services	service	NOUN
fsr-3434	165	11	review	review	VERB
fsr-3434	165	12	28	28	NUM
fsr-3434	165	13	(	(	PUNCT
fsr-3434	165	14	2020	2020	NUM
fsr-3434	165	15	)	)	PUNCT
fsr-3434	166	1	303–314	303–314	NUM
fsr-3434	166	2	307	307	NUM
fsr-3434	166	3	we	we	PRON
fsr-3434	166	4	find	find	VERB
fsr-3434	166	5	no	no	DET
fsr-3434	166	6	statistical	statistical	ADJ
fsr-3434	166	7	difference	difference	NOUN
fsr-3434	166	8	in	in	ADP
fsr-3434	166	9	the	the	DET
fsr-3434	166	10	mandated	mandate	VERB
fsr-3434	166	11	financial	financial	ADJ
fsr-3434	166	12	education	education	NOUN
fsr-3434	166	13	rates	rate	NOUN
fsr-3434	166	14	between	between	ADP
fsr-3434	166	15	the	the	DET
fsr-3434	166	16	social	social	ADJ
fsr-3434	166	17	program	program	NOUN
fsr-3434	166	18	participant	participant	NOUN
fsr-3434	166	19	and	and	CCONJ
fsr-3434	166	20	non	non	ADJ
fsr-3434	166	21	-	-	ADJ
fsr-3434	166	22	participant	participant	ADJ
fsr-3434	166	23	samples	sample	NOUN
fsr-3434	166	24	.	.	PUNCT
fsr-3434	167	1	however	however	ADV
fsr-3434	167	2	,	,	PUNCT
fsr-3434	167	3	the	the	DET
fsr-3434	167	4	samples	sample	NOUN
fsr-3434	167	5	differed	differ	VERB
fsr-3434	167	6	in	in	ADP
fsr-3434	167	7	almost	almost	ADV
fsr-3434	167	8	all	all	PRON
fsr-3434	167	9	other	other	ADJ
fsr-3434	167	10	categories	category	NOUN
fsr-3434	167	11	.	.	PUNCT
fsr-3434	168	1	social	social	ADJ
fsr-3434	168	2	program	program	NOUN
fsr-3434	168	3	participants	participant	NOUN
fsr-3434	168	4	are	be	AUX
fsr-3434	168	5	more	more	ADV
fsr-3434	168	6	likely	likely	ADJ
fsr-3434	168	7	to	to	PART
fsr-3434	168	8	have	have	VERB
fsr-3434	168	9	more	more	ADJ
fsr-3434	168	10	children	child	NOUN
fsr-3434	168	11	,	,	PUNCT
fsr-3434	168	12	lower	low	ADJ
fsr-3434	168	13	income	income	NOUN
fsr-3434	168	14	levels	level	NOUN
fsr-3434	168	15	,	,	PUNCT
fsr-3434	168	16	and	and	CCONJ
fsr-3434	168	17	be	be	AUX
fsr-3434	168	18	disabled	disabled	ADJ
fsr-3434	168	19	or	or	CCONJ
fsr-3434	168	20	unemployed	unemployed	ADJ
fsr-3434	168	21	.	.	PUNCT
fsr-3434	169	1	additionally	additionally	ADV
fsr-3434	169	2	,	,	PUNCT
fsr-3434	169	3	social	social	ADJ
fsr-3434	169	4	program	program	NOUN
fsr-3434	169	5	participants	participant	NOUN
fsr-3434	169	6	had	have	VERB
fsr-3434	169	7	lower	low	ADJ
fsr-3434	169	8	financial	financial	ADJ
fsr-3434	169	9	literacy	literacy	NOUN
fsr-3434	169	10	scores	score	NOUN
fsr-3434	169	11	(	(	PUNCT
fsr-3434	169	12	see	see	VERB
fsr-3434	169	13	fig	fig	NOUN
fsr-3434	169	14	.	.	PUNCT
fsr-3434	170	1	2	2	NUM
fsr-3434	170	2	)	)	PUNCT
fsr-3434	170	3	.	.	PUNCT
fsr-3434	171	1	there	there	PRON
fsr-3434	171	2	is	be	VERB
fsr-3434	171	3	evidence	evidence	NOUN
fsr-3434	171	4	that	that	SCONJ
fsr-3434	171	5	financial	financial	ADJ
fsr-3434	171	6	education	education	NOUN
fsr-3434	171	7	provides	provide	VERB
fsr-3434	171	8	fewer	few	ADJ
fsr-3434	171	9	benefits	benefit	NOUN
fsr-3434	171	10	to	to	ADP
fsr-3434	171	11	the	the	DET
fsr-3434	171	12	less	less	ADV
fsr-3434	171	13	advantaged	advantaged	ADJ
fsr-3434	171	14	(	(	PUNCT
fsr-3434	171	15	e.g.	e.g.	ADV
fsr-3434	171	16	,	,	PUNCT
fsr-3434	171	17	fernandes	fernandes	PROPN
fsr-3434	171	18	et	et	PROPN
fsr-3434	171	19	al	al	PROPN
fsr-3434	171	20	.	.	PROPN
fsr-3434	171	21	,	,	PUNCT
fsr-3434	171	22	2014	2014	NUM
fsr-3434	171	23	;	;	PUNCT
fsr-3434	171	24	kaiser	kaiser	PROPN
fsr-3434	171	25	&	&	CCONJ
fsr-3434	171	26	menkhoff	menkhoff	PROPN
fsr-3434	171	27	,	,	PUNCT
fsr-3434	171	28	2017	2017	NUM
fsr-3434	171	29	)	)	PUNCT
fsr-3434	171	30	and	and	CCONJ
fsr-3434	171	31	,	,	PUNCT
fsr-3434	171	32	more	more	ADV
fsr-3434	171	33	recently	recently	ADV
fsr-3434	171	34	,	,	PUNCT
fsr-3434	171	35	a	a	DET
fsr-3434	171	36	meta	meta	ADJ
fsr-3434	171	37	-	-	PUNCT
fsr-3434	171	38	analysis	analysis	NOUN
fsr-3434	171	39	solely	solely	ADV
fsr-3434	171	40	using	use	VERB
fsr-3434	171	41	randomized	randomized	ADJ
fsr-3434	171	42	control	control	NOUN
fsr-3434	171	43	trials	trial	NOUN
fsr-3434	171	44	(	(	PUNCT
fsr-3434	171	45	rcts	rct	NOUN
fsr-3434	171	46	)	)	PUNCT
fsr-3434	171	47	,	,	PUNCT
fsr-3434	171	48	finds	find	VERB
fsr-3434	171	49	no	no	DET
fsr-3434	171	50	difference	difference	NOUN
fsr-3434	171	51	in	in	ADP
fsr-3434	171	52	outcomes	outcome	NOUN
fsr-3434	171	53	arising	arise	VERB
fsr-3434	171	54	from	from	ADP
fsr-3434	171	55	financial	financial	ADJ
fsr-3434	171	56	education	education	NOUN
fsr-3434	171	57	interventions	intervention	NOUN
fsr-3434	171	58	for	for	ADP
fsr-3434	171	59	low	low	ADJ
fsr-3434	171	60	-	-	PUNCT
fsr-3434	171	61	income	income	NOUN
fsr-3434	171	62	individuals	individual	NOUN
fsr-3434	171	63	(	(	PUNCT
fsr-3434	171	64	kaiser	kaiser	PROPN
fsr-3434	171	65	et	et	PROPN
fsr-3434	171	66	al	al	PROPN
fsr-3434	171	67	.	.	PROPN
fsr-3434	171	68	,	,	PUNCT
fsr-3434	171	69	2020	2020	NUM
fsr-3434	171	70	)	)	PUNCT
fsr-3434	171	71	.	.	PUNCT
fsr-3434	172	1	however	however	ADV
fsr-3434	172	2	,	,	PUNCT
fsr-3434	172	3	none	none	NOUN
fsr-3434	172	4	of	of	ADP
fsr-3434	172	5	these	these	DET
fsr-3434	172	6	studies	study	NOUN
fsr-3434	172	7	examined	examine	VERB
fsr-3434	172	8	social	social	ADJ
fsr-3434	172	9	program	program	NOUN
fsr-3434	172	10	participation	participation	NOUN
fsr-3434	172	11	as	as	ADP
fsr-3434	172	12	an	an	DET
fsr-3434	172	13	outcome	outcome	NOUN
fsr-3434	172	14	.	.	PUNCT
fsr-3434	173	1	fig	fig	NOUN
fsr-3434	173	2	.	.	PUNCT
fsr-3434	174	1	3	3	NUM
fsr-3434	174	2	shows	show	VERB
fsr-3434	174	3	financial	financial	ADJ
fsr-3434	174	4	literacy	literacy	NOUN
fsr-3434	174	5	scores	score	NOUN
fsr-3434	174	6	across	across	ADP
fsr-3434	174	7	the	the	DET
fsr-3434	174	8	age	age	NOUN
fsr-3434	174	9	distribution	distribution	NOUN
fsr-3434	174	10	by	by	ADP
fsr-3434	174	11	financial	financial	ADJ
fsr-3434	174	12	education	education	NOUN
fsr-3434	174	13	type	type	NOUN
fsr-3434	174	14	.	.	PUNCT
fsr-3434	175	1	as	as	SCONJ
fsr-3434	175	2	expected	expect	VERB
fsr-3434	175	3	,	,	PUNCT
fsr-3434	175	4	the	the	DET
fsr-3434	175	5	sample	sample	NOUN
fsr-3434	175	6	required	require	VERB
fsr-3434	175	7	to	to	PART
fsr-3434	175	8	take	take	VERB
fsr-3434	175	9	a	a	DET
fsr-3434	175	10	financial	financial	ADJ
fsr-3434	175	11	literacy	literacy	NOUN
fsr-3434	175	12	course	course	NOUN
fsr-3434	175	13	scores	score	NOUN
fsr-3434	175	14	highest	high	ADJ
fsr-3434	175	15	;	;	PUNCT
fsr-3434	175	16	fig	fig	NOUN
fsr-3434	175	17	.	.	PUNCT
fsr-3434	176	1	1	1	X
fsr-3434	176	2	.	.	X
fsr-3434	176	3	participation	participation	NOUN
fsr-3434	176	4	rate	rate	NOUN
fsr-3434	176	5	in	in	ADP
fsr-3434	176	6	required	require	VERB
fsr-3434	176	7	high	high	ADJ
fsr-3434	176	8	school	school	NOUN
fsr-3434	176	9	financial	financial	ADJ
fsr-3434	176	10	literacy	literacy	NOUN
fsr-3434	176	11	course	course	NOUN
fsr-3434	176	12	by	by	ADP
fsr-3434	176	13	year	year	NOUN
fsr-3434	176	14	of	of	ADP
fsr-3434	176	15	birth	birth	NOUN
fsr-3434	176	16	.	.	PUNCT
fsr-3434	177	1	fig	fig	NOUN
fsr-3434	177	2	.	.	PUNCT
fsr-3434	178	1	2	2	X
fsr-3434	178	2	.	.	X
fsr-3434	178	3	the	the	DET
fsr-3434	178	4	average	average	ADJ
fsr-3434	178	5	financial	financial	ADJ
fsr-3434	178	6	literacy	literacy	NOUN
fsr-3434	178	7	score	score	NOUN
fsr-3434	178	8	plot	plot	NOUN
fsr-3434	178	9	across	across	ADP
fsr-3434	178	10	the	the	DET
fsr-3434	178	11	age	age	NOUN
fsr-3434	178	12	distribution	distribution	NOUN
fsr-3434	178	13	,	,	PUNCT
fsr-3434	178	14	comparing	compare	VERB
fsr-3434	178	15	participants	participant	NOUN
fsr-3434	178	16	and	and	CCONJ
fsr-3434	178	17	nonparticipants	nonparticipant	NOUN
fsr-3434	178	18	in	in	ADP
fsr-3434	178	19	social	social	ADJ
fsr-3434	178	20	programs	program	NOUN
fsr-3434	178	21	.	.	PUNCT
fsr-3434	179	1	308	308	NUM
fsr-3434	179	2	a.	a.	NOUN
fsr-3434	179	3	al	al	PROPN
fsr-3434	179	4	-	-	PUNCT
fsr-3434	179	5	bahrani	bahrani	PROPN
fsr-3434	179	6	et	et	PROPN
fsr-3434	179	7	al	al	PROPN
fsr-3434	179	8	.	.	PUNCT
fsr-3434	179	9	/	/	SYM
fsr-3434	179	10	financial	financial	ADJ
fsr-3434	179	11	services	service	NOUN
fsr-3434	179	12	review	review	VERB
fsr-3434	179	13	28	28	NUM
fsr-3434	179	14	(	(	PUNCT
fsr-3434	179	15	2020	2020	NUM
fsr-3434	179	16	)	)	PUNCT
fsr-3434	180	1	303–314	303–314	NUM
fsr-3434	180	2	second	second	ADJ
fsr-3434	180	3	highest	high	ADJ
fsr-3434	180	4	are	be	AUX
fsr-3434	180	5	those	those	PRON
fsr-3434	180	6	enrolled	enrol	VERB
fsr-3434	180	7	in	in	ADP
fsr-3434	180	8	an	an	DET
fsr-3434	180	9	optional	optional	ADJ
fsr-3434	180	10	course	course	NOUN
fsr-3434	180	11	,	,	PUNCT
fsr-3434	180	12	and	and	CCONJ
fsr-3434	180	13	the	the	DET
fsr-3434	180	14	lowest	low	ADJ
fsr-3434	180	15	scores	score	NOUN
fsr-3434	180	16	are	be	AUX
fsr-3434	180	17	exhibited	exhibit	VERB
fsr-3434	180	18	by	by	ADP
fsr-3434	180	19	those	those	PRON
fsr-3434	180	20	with	with	ADP
fsr-3434	180	21	no	no	DET
fsr-3434	180	22	formal	formal	ADJ
fsr-3434	180	23	financial	financial	ADJ
fsr-3434	180	24	education	education	NOUN
fsr-3434	180	25	.	.	PUNCT
fsr-3434	181	1	thus	thus	ADV
fsr-3434	181	2	,	,	PUNCT
fsr-3434	181	3	there	there	PRON
fsr-3434	181	4	is	be	VERB
fsr-3434	181	5	a	a	DET
fsr-3434	181	6	correlation	correlation	NOUN
fsr-3434	181	7	between	between	ADP
fsr-3434	181	8	financial	financial	ADJ
fsr-3434	181	9	education	education	NOUN
fsr-3434	181	10	and	and	CCONJ
fsr-3434	181	11	exhibited	exhibit	VERB
fsr-3434	181	12	financial	financial	ADJ
fsr-3434	181	13	literacy	literacy	NOUN
fsr-3434	181	14	.	.	PUNCT
fsr-3434	182	1	this	this	DET
fsr-3434	182	2	relationship	relationship	NOUN
fsr-3434	182	3	is	be	AUX
fsr-3434	182	4	also	also	ADV
fsr-3434	182	5	observed	observe	VERB
fsr-3434	182	6	across	across	ADP
fsr-3434	182	7	the	the	DET
fsr-3434	182	8	age	age	NOUN
fsr-3434	182	9	distribution	distribution	NOUN
fsr-3434	182	10	;	;	PUNCT
fsr-3434	182	11	however	however	ADV
fsr-3434	182	12	,	,	PUNCT
fsr-3434	182	13	we	we	PRON
fsr-3434	182	14	do	do	AUX
fsr-3434	182	15	see	see	VERB
fsr-3434	182	16	that	that	SCONJ
fsr-3434	182	17	financial	financial	ADJ
fsr-3434	182	18	literacy	literacy	NOUN
fsr-3434	182	19	scores	score	NOUN
fsr-3434	182	20	increase	increase	VERB
fsr-3434	182	21	with	with	ADP
fsr-3434	182	22	age	age	NOUN
fsr-3434	182	23	for	for	ADP
fsr-3434	182	24	all	all	DET
fsr-3434	182	25	financial	financial	ADJ
fsr-3434	182	26	education	education	NOUN
fsr-3434	182	27	types	type	NOUN
fsr-3434	182	28	.	.	PUNCT
fsr-3434	183	1	while	while	SCONJ
fsr-3434	183	2	non	non	NOUN
fsr-3434	183	3	-	-	NOUN
fsr-3434	183	4	participants	participant	NOUN
fsr-3434	183	5	in	in	ADP
fsr-3434	183	6	social	social	ADJ
fsr-3434	183	7	programs	program	NOUN
fsr-3434	183	8	have	have	VERB
fsr-3434	183	9	higher	high	ADJ
fsr-3434	183	10	financial	financial	ADJ
fsr-3434	183	11	literacy	literacy	NOUN
fsr-3434	183	12	scores	score	NOUN
fsr-3434	183	13	(	(	PUNCT
fsr-3434	183	14	see	see	VERB
fsr-3434	183	15	fig	fig	NOUN
fsr-3434	183	16	.	.	PUNCT
fsr-3434	184	1	2	2	NUM
fsr-3434	184	2	)	)	PUNCT
fsr-3434	184	3	,	,	PUNCT
fsr-3434	184	4	we	we	PRON
fsr-3434	184	5	find	find	VERB
fsr-3434	184	6	no	no	DET
fsr-3434	184	7	differences	difference	NOUN
fsr-3434	184	8	in	in	ADP
fsr-3434	184	9	social	social	ADJ
fsr-3434	184	10	program	program	NOUN
fsr-3434	184	11	participation	participation	NOUN
fsr-3434	184	12	rates	rate	NOUN
fsr-3434	184	13	across	across	ADP
fsr-3434	184	14	the	the	DET
fsr-3434	184	15	age	age	NOUN
fsr-3434	184	16	distribution	distribution	NOUN
fsr-3434	184	17	when	when	SCONJ
fsr-3434	184	18	we	we	PRON
fsr-3434	184	19	compare	compare	VERB
fsr-3434	184	20	those	those	PRON
fsr-3434	184	21	required	require	VERB
fsr-3434	184	22	to	to	PART
fsr-3434	184	23	complete	complete	VERB
fsr-3434	184	24	a	a	DET
fsr-3434	184	25	financial	financial	ADJ
fsr-3434	184	26	literacy	literacy	NOUN
fsr-3434	184	27	course	course	NOUN
fsr-3434	184	28	,	,	PUNCT
fsr-3434	184	29	those	those	PRON
fsr-3434	184	30	who	who	PRON
fsr-3434	184	31	chose	choose	VERB
fsr-3434	184	32	to	to	PART
fsr-3434	184	33	complete	complete	VERB
fsr-3434	184	34	a	a	DET
fsr-3434	184	35	fig	fig	NOUN
fsr-3434	184	36	.	.	PUNCT
fsr-3434	185	1	3	3	X
fsr-3434	185	2	.	.	NUM
fsr-3434	185	3	illustrated	illustrate	VERB
fsr-3434	185	4	plot	plot	NOUN
fsr-3434	185	5	of	of	ADP
fsr-3434	185	6	the	the	DET
fsr-3434	185	7	mean	mean	ADJ
fsr-3434	185	8	financial	financial	ADJ
fsr-3434	185	9	literacy	literacy	NOUN
fsr-3434	185	10	score	score	NOUN
fsr-3434	185	11	across	across	ADP
fsr-3434	185	12	the	the	DET
fsr-3434	185	13	age	age	NOUN
fsr-3434	185	14	distribution	distribution	NOUN
fsr-3434	185	15	for	for	ADP
fsr-3434	185	16	each	each	PRON
fsr-3434	185	17	of	of	ADP
fsr-3434	185	18	the	the	DET
fsr-3434	185	19	financial	financial	ADJ
fsr-3434	185	20	literacy	literacy	NOUN
fsr-3434	185	21	education	education	NOUN
fsr-3434	185	22	options	option	NOUN
fsr-3434	185	23	.	.	PUNCT
fsr-3434	186	1	financial	financial	ADJ
fsr-3434	186	2	literacy	literacy	NOUN
fsr-3434	186	3	scores	score	NOUN
fsr-3434	186	4	are	be	AUX
fsr-3434	186	5	positively	positively	ADV
fsr-3434	186	6	related	relate	VERB
fsr-3434	186	7	to	to	ADP
fsr-3434	186	8	exposure	exposure	NOUN
fsr-3434	186	9	to	to	ADP
fsr-3434	186	10	financial	financial	ADJ
fsr-3434	186	11	literacy	literacy	NOUN
fsr-3434	186	12	education	education	NOUN
fsr-3434	186	13	.	.	PUNCT
fsr-3434	187	1	required	require	VERB
fsr-3434	187	2	participation	participation	NOUN
fsr-3434	187	3	in	in	ADP
fsr-3434	187	4	financial	financial	ADJ
fsr-3434	187	5	education	education	NOUN
fsr-3434	187	6	is	be	AUX
fsr-3434	187	7	associated	associate	VERB
fsr-3434	187	8	with	with	ADP
fsr-3434	187	9	higher	high	ADJ
fsr-3434	187	10	financial	financial	ADJ
fsr-3434	187	11	literacy	literacy	NOUN
fsr-3434	187	12	scores	score	NOUN
fsr-3434	187	13	relative	relative	ADJ
fsr-3434	187	14	to	to	ADP
fsr-3434	187	15	optional	optional	ADJ
fsr-3434	187	16	participation	participation	NOUN
fsr-3434	187	17	.	.	PUNCT
fsr-3434	188	1	fig	fig	NOUN
fsr-3434	188	2	.	.	PUNCT
fsr-3434	189	1	4	4	X
fsr-3434	189	2	.	.	NOUN
fsr-3434	189	3	plot	plot	NOUN
fsr-3434	189	4	illustration	illustration	NOUN
fsr-3434	189	5	of	of	ADP
fsr-3434	189	6	the	the	DET
fsr-3434	189	7	marginals	marginal	NOUN
fsr-3434	189	8	of	of	ADP
fsr-3434	189	9	predicted	predict	VERB
fsr-3434	189	10	probability	probability	NOUN
fsr-3434	189	11	of	of	ADP
fsr-3434	189	12	participating	participate	VERB
fsr-3434	189	13	in	in	ADP
fsr-3434	189	14	social	social	ADJ
fsr-3434	189	15	programs	program	NOUN
fsr-3434	189	16	across	across	ADP
fsr-3434	189	17	the	the	DET
fsr-3434	189	18	age	age	NOUN
fsr-3434	189	19	distribution	distribution	NOUN
fsr-3434	189	20	for	for	ADP
fsr-3434	189	21	each	each	PRON
fsr-3434	189	22	of	of	ADP
fsr-3434	189	23	the	the	DET
fsr-3434	189	24	financial	financial	ADJ
fsr-3434	189	25	literacy	literacy	NOUN
fsr-3434	189	26	education	education	NOUN
fsr-3434	189	27	options	option	NOUN
fsr-3434	189	28	.	.	PUNCT
fsr-3434	190	1	a.	a.	PROPN
fsr-3434	190	2	al	al	PROPN
fsr-3434	190	3	-	-	PUNCT
fsr-3434	190	4	bahrani	bahrani	PROPN
fsr-3434	190	5	et	et	PROPN
fsr-3434	190	6	al	al	PROPN
fsr-3434	190	7	.	.	PUNCT
fsr-3434	190	8	/	/	SYM
fsr-3434	190	9	financial	financial	ADJ
fsr-3434	190	10	services	service	NOUN
fsr-3434	190	11	review	review	VERB
fsr-3434	190	12	28	28	NUM
fsr-3434	190	13	(	(	PUNCT
fsr-3434	190	14	2020	2020	NUM
fsr-3434	190	15	)	)	PUNCT
fsr-3434	191	1	303–314	303–314	NUM
fsr-3434	191	2	309	309	NUM
fsr-3434	191	3	financial	financial	ADJ
fsr-3434	191	4	literacy	literacy	NOUN
fsr-3434	191	5	course	course	NOUN
fsr-3434	191	6	,	,	PUNCT
fsr-3434	191	7	and	and	CCONJ
fsr-3434	191	8	those	those	PRON
fsr-3434	191	9	who	who	PRON
fsr-3434	191	10	did	do	AUX
fsr-3434	191	11	not	not	PART
fsr-3434	191	12	participate	participate	VERB
fsr-3434	191	13	at	at	ADP
fsr-3434	191	14	all	all	ADV
fsr-3434	191	15	(	(	PUNCT
fsr-3434	191	16	see	see	VERB
fsr-3434	191	17	fig	fig	NOUN
fsr-3434	191	18	.	.	PUNCT
fsr-3434	191	19	4	4	NUM
fsr-3434	191	20	)	)	PUNCT
fsr-3434	191	21	.	.	PUNCT
fsr-3434	192	1	in	in	ADP
fsr-3434	192	2	summary	summary	NOUN
fsr-3434	192	3	,	,	PUNCT
fsr-3434	192	4	there	there	PRON
fsr-3434	192	5	are	be	VERB
fsr-3434	192	6	many	many	ADJ
fsr-3434	192	7	identifiable	identifiable	ADJ
fsr-3434	192	8	differences	difference	NOUN
fsr-3434	192	9	between	between	ADP
fsr-3434	192	10	social	social	ADJ
fsr-3434	192	11	program	program	NOUN
fsr-3434	192	12	participants	participant	NOUN
fsr-3434	192	13	and	and	CCONJ
fsr-3434	192	14	non	non	NOUN
fsr-3434	192	15	-	-	NOUN
fsr-3434	192	16	participants	participant	NOUN
fsr-3434	192	17	,	,	PUNCT
fsr-3434	192	18	but	but	CCONJ
fsr-3434	192	19	participation	participation	NOUN
fsr-3434	192	20	in	in	ADP
fsr-3434	192	21	high	high	ADJ
fsr-3434	192	22	school	school	NOUN
fsr-3434	192	23	financial	financial	ADJ
fsr-3434	192	24	education	education	NOUN
fsr-3434	192	25	does	do	AUX
fsr-3434	192	26	not	not	PART
fsr-3434	192	27	appear	appear	VERB
fsr-3434	192	28	to	to	PART
fsr-3434	192	29	be	be	AUX
fsr-3434	192	30	one	one	NUM
fsr-3434	192	31	of	of	ADP
fsr-3434	192	32	them	they	PRON
fsr-3434	192	33	.	.	PUNCT
fsr-3434	193	1	4	4	X
fsr-3434	193	2	.	.	X
fsr-3434	193	3	methodology	methodology	NOUN
fsr-3434	193	4	to	to	PART
fsr-3434	193	5	identify	identify	VERB
fsr-3434	193	6	the	the	DET
fsr-3434	193	7	consequences	consequence	NOUN
fsr-3434	193	8	of	of	ADP
fsr-3434	193	9	mandated	mandate	VERB
fsr-3434	193	10	financial	financial	ADJ
fsr-3434	193	11	literacy	literacy	NOUN
fsr-3434	193	12	education	education	NOUN
fsr-3434	193	13	on	on	ADP
fsr-3434	193	14	social	social	ADJ
fsr-3434	193	15	program	program	NOUN
fsr-3434	193	16	participation	participation	NOUN
fsr-3434	193	17	,	,	PUNCT
fsr-3434	193	18	we	we	PRON
fsr-3434	193	19	specify	specify	VERB
fsr-3434	193	20	a	a	DET
fsr-3434	193	21	linear	linear	ADJ
fsr-3434	193	22	probability	probability	NOUN
fsr-3434	193	23	model	model	NOUN
fsr-3434	193	24	:	:	PUNCT
fsr-3434	193	25	yi	yi	NOUN
fsr-3434	193	26	,	,	PUNCT
fsr-3434	193	27	s	s	PART
fsr-3434	193	28	=	=	SYM
fsr-3434	193	29	b	b	PROPN
fsr-3434	193	30	0	0	NUM
fsr-3434	193	31	þ	þ	NOUN
fsr-3434	193	32	l	l	NOUN
fsr-3434	193	33	0xi	0xi	NOUN
fsr-3434	194	1	þ	þ	PROPN
fsr-3434	194	2	d	d	X
fsr-3434	194	3	0fi	0fi	NOUN
fsr-3434	195	1	þ	þ	PROPN
fsr-3434	195	2	w	w	NOUN
fsr-3434	195	3	0li	0li	ADJ
fsr-3434	195	4	þ	þ	PROPN
fsr-3434	195	5	g	g	PROPN
fsr-3434	195	6	s	s	PROPN
fsr-3434	195	7	þ	þ	NOUN
fsr-3434	195	8	«	«	PUNCT
fsr-3434	195	9	i	i	PRON
fsr-3434	195	10	our	our	PRON
fsr-3434	195	11	dependent	dependent	ADJ
fsr-3434	195	12	variable	variable	ADJ
fsr-3434	195	13	yi	yi	NOUN
fsr-3434	195	14	,	,	PUNCT
fsr-3434	195	15	s	s	PART
fsr-3434	195	16	is	be	AUX
fsr-3434	195	17	the	the	DET
fsr-3434	195	18	social	social	ADJ
fsr-3434	195	19	program	program	NOUN
fsr-3434	195	20	participation	participation	NOUN
fsr-3434	195	21	of	of	ADP
fsr-3434	195	22	individual	individual	ADJ
fsr-3434	195	23	i	i	PROPN
fsr-3434	195	24	in	in	ADP
fsr-3434	195	25	state	state	NOUN
fsr-3434	195	26	s.	s.	PROPN
fsr-3434	195	27	we	we	PRON
fsr-3434	195	28	include	include	VERB
fsr-3434	195	29	the	the	DET
fsr-3434	195	30	demographics	demographic	NOUN
fsr-3434	195	31	and	and	CCONJ
fsr-3434	195	32	predictors	predictor	NOUN
fsr-3434	195	33	of	of	ADP
fsr-3434	195	34	social	social	ADJ
fsr-3434	195	35	program	program	NOUN
fsr-3434	195	36	participation	participation	NOUN
fsr-3434	195	37	(	(	PUNCT
fsr-3434	195	38	identified	identify	VERB
fsr-3434	195	39	in	in	ADP
fsr-3434	195	40	table	table	NOUN
fsr-3434	195	41	1	1	NUM
fsr-3434	195	42	)	)	PUNCT
fsr-3434	195	43	in	in	ADP
fsr-3434	195	44	vector	vector	NOUN
fsr-3434	195	45	xi	xi	PROPN
fsr-3434	195	46	.	.	PUNCT
fsr-3434	196	1	the	the	DET
fsr-3434	196	2	variables	variable	NOUN
fsr-3434	196	3	of	of	ADP
fsr-3434	196	4	interest	interest	NOUN
fsr-3434	196	5	are	be	AUX
fsr-3434	196	6	fi	fi	NOUN
fsr-3434	196	7	and	and	CCONJ
fsr-3434	196	8	li	li	PROPN
fsr-3434	196	9	.	.	PROPN
fsr-3434	197	1	variable	variable	ADJ
fsr-3434	197	2	fi	fi	NOUN
fsr-3434	197	3	is	be	AUX
fsr-3434	197	4	a	a	DET
fsr-3434	197	5	vector	vector	NOUN
fsr-3434	197	6	of	of	ADP
fsr-3434	197	7	dummy	dummy	ADJ
fsr-3434	197	8	variables	variable	NOUN
fsr-3434	197	9	that	that	PRON
fsr-3434	197	10	identify	identify	VERB
fsr-3434	197	11	whether	whether	SCONJ
fsr-3434	197	12	the	the	DET
fsr-3434	197	13	respondent	respondent	NOUN
fsr-3434	197	14	received	receive	VERB
fsr-3434	197	15	(	(	PUNCT
fsr-3434	197	16	a	a	DET
fsr-3434	197	17	)	)	PUNCT
fsr-3434	197	18	mandatory	mandatory	ADJ
fsr-3434	197	19	financial	financial	ADJ
fsr-3434	197	20	literacy	literacy	NOUN
fsr-3434	197	21	education	education	NOUN
fsr-3434	197	22	,	,	PUNCT
fsr-3434	197	23	(	(	PUNCT
fsr-3434	197	24	b	b	X
fsr-3434	197	25	)	)	PUNCT
fsr-3434	197	26	optional	optional	ADJ
fsr-3434	197	27	financial	financial	ADJ
fsr-3434	197	28	literacy	literacy	NOUN
fsr-3434	197	29	education	education	NOUN
fsr-3434	197	30	,	,	PUNCT
fsr-3434	197	31	or	or	CCONJ
fsr-3434	197	32	(	(	PUNCT
fsr-3434	197	33	c	c	X
fsr-3434	197	34	)	)	PUNCT
fsr-3434	197	35	no	no	DET
fsr-3434	197	36	financial	financial	ADJ
fsr-3434	197	37	literacy	literacy	NOUN
fsr-3434	197	38	education	education	NOUN
fsr-3434	197	39	.	.	PUNCT
fsr-3434	198	1	variable	variable	ADJ
fsr-3434	198	2	li	li	PROPN
fsr-3434	198	3	is	be	AUX
fsr-3434	198	4	a	a	DET
fsr-3434	198	5	vector	vector	NOUN
fsr-3434	198	6	of	of	ADP
fsr-3434	198	7	dummy	dummy	ADJ
fsr-3434	198	8	variables	variable	NOUN
fsr-3434	198	9	indicating	indicate	VERB
fsr-3434	198	10	the	the	DET
fsr-3434	198	11	financial	financial	ADJ
fsr-3434	198	12	literacy	literacy	NOUN
fsr-3434	198	13	of	of	ADP
fsr-3434	198	14	individual	individual	NOUN
fsr-3434	198	15	i	i	PRON
fsr-3434	198	16	based	base	VERB
fsr-3434	198	17	on	on	ADP
fsr-3434	198	18	his	his	PRON
fsr-3434	198	19	or	or	CCONJ
fsr-3434	198	20	her	her	PRON
fsr-3434	198	21	responses	response	NOUN
fsr-3434	198	22	to	to	ADP
fsr-3434	198	23	the	the	DET
fsr-3434	198	24	big	big	ADJ
fsr-3434	198	25	five	five	NUM
fsr-3434	198	26	financial	financial	ADJ
fsr-3434	198	27	literacy	literacy	NOUN
fsr-3434	198	28	questions	question	NOUN
fsr-3434	198	29	.	.	PUNCT
fsr-3434	199	1	this	this	PRON
fsr-3434	199	2	allows	allow	VERB
fsr-3434	199	3	us	we	PRON
fsr-3434	199	4	to	to	PART
fsr-3434	199	5	hold	hold	VERB
fsr-3434	199	6	financial	financial	ADJ
fsr-3434	199	7	literacy	literacy	NOUN
fsr-3434	199	8	constant	constant	ADJ
fsr-3434	199	9	and	and	CCONJ
fsr-3434	199	10	separate	separate	VERB
fsr-3434	199	11	it	it	PRON
fsr-3434	199	12	from	from	ADP
fsr-3434	199	13	the	the	DET
fsr-3434	199	14	impact	impact	NOUN
fsr-3434	199	15	of	of	ADP
fsr-3434	199	16	mandatory	mandatory	ADJ
fsr-3434	199	17	financial	financial	ADJ
fsr-3434	199	18	education	education	NOUN
fsr-3434	199	19	.	.	PUNCT
fsr-3434	200	1	previous	previous	ADJ
fsr-3434	200	2	studies	study	NOUN
fsr-3434	200	3	measuring	measure	VERB
fsr-3434	200	4	the	the	DET
fsr-3434	200	5	impact	impact	NOUN
fsr-3434	200	6	of	of	ADP
fsr-3434	200	7	financial	financial	ADJ
fsr-3434	200	8	education	education	NOUN
fsr-3434	200	9	mandates	mandate	NOUN
fsr-3434	200	10	neglect	neglect	VERB
fsr-3434	200	11	to	to	PART
fsr-3434	200	12	control	control	VERB
fsr-3434	200	13	for	for	ADP
fsr-3434	200	14	financial	financial	ADJ
fsr-3434	200	15	literacy	literacy	NOUN
fsr-3434	200	16	and	and	CCONJ
fsr-3434	200	17	include	include	VERB
fsr-3434	200	18	only	only	ADV
fsr-3434	200	19	variable	variable	ADJ
fsr-3434	200	20	f.7	f.7	ADP
fsr-3434	200	21	our	our	PRON
fsr-3434	200	22	approach	approach	NOUN
fsr-3434	200	23	allows	allow	VERB
fsr-3434	200	24	us	we	PRON
fsr-3434	200	25	to	to	PART
fsr-3434	200	26	isolate	isolate	VERB
fsr-3434	200	27	the	the	DET
fsr-3434	200	28	impact	impact	NOUN
fsr-3434	200	29	of	of	ADP
fsr-3434	200	30	mandatory	mandatory	ADJ
fsr-3434	200	31	financial	financial	ADJ
fsr-3434	200	32	education	education	NOUN
fsr-3434	200	33	and	and	CCONJ
fsr-3434	200	34	reduce	reduce	VERB
fsr-3434	200	35	selection	selection	NOUN
fsr-3434	200	36	bias	bias	NOUN
fsr-3434	200	37	in	in	ADP
fsr-3434	200	38	financial	financial	ADJ
fsr-3434	200	39	literacy	literacy	NOUN
fsr-3434	200	40	education	education	NOUN
fsr-3434	200	41	.	.	PUNCT
fsr-3434	201	1	we	we	PRON
fsr-3434	201	2	include	include	VERB
fsr-3434	201	3	a	a	DET
fsr-3434	201	4	state	state	NOUN
fsr-3434	201	5	fixed	fix	VERB
fsr-3434	201	6	effects	effect	NOUN
fsr-3434	201	7	model	model	NOUN
fsr-3434	201	8	to	to	PART
fsr-3434	201	9	control	control	VERB
fsr-3434	201	10	for	for	ADP
fsr-3434	201	11	state	state	NOUN
fsr-3434	201	12	-	-	PUNCT
fsr-3434	201	13	level	level	NOUN
fsr-3434	201	14	variation	variation	NOUN
fsr-3434	201	15	in	in	ADP
fsr-3434	201	16	social	social	ADJ
fsr-3434	201	17	program	program	NOUN
fsr-3434	201	18	participation	participation	NOUN
fsr-3434	201	19	using	use	VERB
fsr-3434	201	20	g	g	PROPN
fsr-3434	201	21	.	.	PUNCT
fsr-3434	202	1	chetty	chetty	PROPN
fsr-3434	202	2	et	et	PROPN
fsr-3434	202	3	al	al	PROPN
fsr-3434	202	4	.	.	PROPN
fsr-3434	203	1	(	(	PUNCT
fsr-3434	203	2	2013	2013	NUM
fsr-3434	203	3	)	)	PUNCT
fsr-3434	203	4	document	document	NOUN
fsr-3434	203	5	that	that	DET
fsr-3434	203	6	participation	participation	NOUN
fsr-3434	203	7	in	in	ADP
fsr-3434	203	8	the	the	DET
fsr-3434	203	9	earned	earn	VERB
fsr-3434	203	10	income	income	NOUN
fsr-3434	203	11	tax	tax	NOUN
fsr-3434	203	12	credit	credit	NOUN
fsr-3434	203	13	(	(	PUNCT
fsr-3434	203	14	eitc	eitc	NOUN
fsr-3434	203	15	)	)	PUNCT
fsr-3434	203	16	varies	vary	VERB
fsr-3434	203	17	by	by	ADP
fsr-3434	203	18	state	state	NOUN
fsr-3434	203	19	and	and	CCONJ
fsr-3434	203	20	zip	zip	NOUN
fsr-3434	203	21	code	code	NOUN
fsr-3434	203	22	and	and	CCONJ
fsr-3434	203	23	find	find	VERB
fsr-3434	203	24	that	that	SCONJ
fsr-3434	203	25	variation	variation	NOUN
fsr-3434	203	26	is	be	AUX
fsr-3434	203	27	due	due	ADJ
fsr-3434	203	28	to	to	ADP
fsr-3434	203	29	differences	difference	NOUN
fsr-3434	203	30	in	in	ADP
fsr-3434	203	31	knowledge	knowledge	NOUN
fsr-3434	203	32	about	about	ADP
fsr-3434	203	33	social	social	ADJ
fsr-3434	203	34	programs	program	NOUN
fsr-3434	203	35	.	.	PUNCT
fsr-3434	204	1	however	however	ADV
fsr-3434	204	2	,	,	PUNCT
fsr-3434	204	3	chetty	chetty	ADJ
fsr-3434	204	4	(	(	PUNCT
fsr-3434	204	5	2015	2015	NUM
fsr-3434	204	6	)	)	PUNCT
fsr-3434	204	7	documents	document	NOUN
fsr-3434	204	8	observed	observe	VERB
fsr-3434	204	9	participation	participation	NOUN
fsr-3434	204	10	rates	rate	NOUN
fsr-3434	204	11	approaching	approach	VERB
fsr-3434	204	12	eligibility	eligibility	NOUN
fsr-3434	204	13	rates	rate	NOUN
fsr-3434	204	14	in	in	ADP
fsr-3434	204	15	2008	2008	NUM
fsr-3434	204	16	,	,	PUNCT
fsr-3434	204	17	as	as	SCONJ
fsr-3434	204	18	more	more	ADJ
fsr-3434	204	19	people	people	NOUN
fsr-3434	204	20	became	become	VERB
fsr-3434	204	21	aware	aware	ADJ
fsr-3434	204	22	of	of	ADP
fsr-3434	204	23	the	the	DET
fsr-3434	204	24	programs	program	NOUN
fsr-3434	204	25	.	.	PUNCT
fsr-3434	205	1	we	we	PRON
fsr-3434	205	2	limit	limit	VERB
fsr-3434	205	3	our	our	PRON
fsr-3434	205	4	analysis	analysis	NOUN
fsr-3434	205	5	to	to	ADP
fsr-3434	205	6	participation	participation	NOUN
fsr-3434	205	7	in	in	ADP
fsr-3434	205	8	the	the	DET
fsr-3434	205	9	supplemental	supplemental	ADJ
fsr-3434	205	10	nutrition	nutrition	NOUN
fsr-3434	205	11	assistance	assistance	NOUN
fsr-3434	205	12	program	program	NOUN
fsr-3434	205	13	(	(	PUNCT
fsr-3434	205	14	snap	snap	PROPN
fsr-3434	205	15	)	)	PUNCT
fsr-3434	205	16	and	and	CCONJ
fsr-3434	205	17	medicaid	medicaid	PROPN
fsr-3434	205	18	,	,	PUNCT
fsr-3434	205	19	because	because	SCONJ
fsr-3434	205	20	we	we	PRON
fsr-3434	205	21	found	find	VERB
fsr-3434	205	22	that	that	SCONJ
fsr-3434	205	23	eitc	eitc	ADJ
fsr-3434	205	24	participation	participation	NOUN
fsr-3434	205	25	rates	rate	NOUN
fsr-3434	205	26	are	be	AUX
fsr-3434	205	27	equal	equal	ADJ
fsr-3434	205	28	to	to	ADP
fsr-3434	205	29	eligibility	eligibility	NOUN
fsr-3434	205	30	rates	rate	NOUN
fsr-3434	205	31	in	in	ADP
fsr-3434	205	32	2018	2018	NUM
fsr-3434	205	33	.	.	PUNCT
fsr-3434	206	1	both	both	PRON
fsr-3434	206	2	snap	snap	VERB
fsr-3434	206	3	and	and	CCONJ
fsr-3434	206	4	medicaid	medicaid	PROPN
fsr-3434	206	5	are	be	AUX
fsr-3434	206	6	federal	federal	ADJ
fsr-3434	206	7	programs	program	NOUN
fsr-3434	206	8	,	,	PUNCT
fsr-3434	206	9	but	but	CCONJ
fsr-3434	206	10	their	their	PRON
fsr-3434	206	11	eligibility	eligibility	NOUN
fsr-3434	206	12	is	be	AUX
fsr-3434	206	13	determined	determine	VERB
fsr-3434	206	14	by	by	ADP
fsr-3434	206	15	state	state	NOUN
fsr-3434	206	16	-	-	PUNCT
fsr-3434	206	17	level	level	NOUN
fsr-3434	206	18	requirements	requirement	NOUN
fsr-3434	206	19	.	.	PUNCT
fsr-3434	207	1	therefore	therefore	ADV
fsr-3434	207	2	,	,	PUNCT
fsr-3434	207	3	variations	variation	NOUN
fsr-3434	207	4	in	in	ADP
fsr-3434	207	5	program	program	NOUN
fsr-3434	207	6	participation	participation	NOUN
fsr-3434	207	7	rates	rate	NOUN
fsr-3434	207	8	could	could	AUX
fsr-3434	207	9	be	be	AUX
fsr-3434	207	10	due	due	ADJ
fsr-3434	207	11	to	to	ADP
fsr-3434	207	12	state	state	NOUN
fsr-3434	207	13	-	-	PUNCT
fsr-3434	207	14	level	level	NOUN
fsr-3434	207	15	differences	difference	NOUN
fsr-3434	207	16	.	.	PUNCT
fsr-3434	208	1	5	5	X
fsr-3434	208	2	.	.	X
fsr-3434	208	3	results	result	VERB
fsr-3434	208	4	the	the	DET
fsr-3434	208	5	results	result	NOUN
fsr-3434	208	6	of	of	ADP
fsr-3434	208	7	the	the	DET
fsr-3434	208	8	linear	linear	ADJ
fsr-3434	208	9	probability	probability	NOUN
fsr-3434	208	10	model	model	NOUN
fsr-3434	208	11	are	be	AUX
fsr-3434	208	12	presented	present	VERB
fsr-3434	208	13	in	in	ADP
fsr-3434	208	14	table	table	NOUN
fsr-3434	208	15	2	2	NUM
fsr-3434	208	16	.	.	PUNCT
fsr-3434	209	1	although	although	SCONJ
fsr-3434	209	2	all	all	DET
fsr-3434	209	3	variables	variable	NOUN
fsr-3434	209	4	identified	identify	VERB
fsr-3434	209	5	in	in	ADP
fsr-3434	209	6	table	table	NOUN
fsr-3434	209	7	1	1	NUM
fsr-3434	209	8	are	be	AUX
fsr-3434	209	9	included	include	VERB
fsr-3434	209	10	in	in	ADP
fsr-3434	209	11	our	our	PRON
fsr-3434	209	12	regressions	regression	NOUN
fsr-3434	209	13	,	,	PUNCT
fsr-3434	209	14	we	we	PRON
fsr-3434	209	15	report	report	VERB
fsr-3434	209	16	only	only	ADV
fsr-3434	209	17	the	the	DET
fsr-3434	209	18	coefficients	coefficient	NOUN
fsr-3434	209	19	for	for	ADP
fsr-3434	209	20	the	the	DET
fsr-3434	209	21	financial	financial	ADJ
fsr-3434	209	22	education	education	NOUN
fsr-3434	209	23	types	type	NOUN
fsr-3434	209	24	,	,	PUNCT
fsr-3434	209	25	age	age	NOUN
fsr-3434	209	26	,	,	PUNCT
fsr-3434	209	27	race	race	NOUN
fsr-3434	209	28	/	/	SYM
fsr-3434	209	29	ethnicity	ethnicity	NOUN
fsr-3434	209	30	,	,	PUNCT
fsr-3434	209	31	and	and	CCONJ
fsr-3434	209	32	financial	financial	ADJ
fsr-3434	209	33	literacy	literacy	NOUN
fsr-3434	209	34	scores	score	NOUN
fsr-3434	209	35	for	for	ADP
fsr-3434	209	36	brevity	brevity	NOUN
fsr-3434	209	37	.	.	PUNCT
fsr-3434	210	1	regressions	regression	NOUN
fsr-3434	210	2	(	(	PUNCT
fsr-3434	210	3	1	1	NUM
fsr-3434	210	4	)	)	PUNCT
fsr-3434	210	5	and	and	CCONJ
fsr-3434	210	6	(	(	PUNCT
fsr-3434	210	7	2	2	X
fsr-3434	210	8	)	)	PUNCT
fsr-3434	210	9	use	use	VERB
fsr-3434	210	10	our	our	PRON
fsr-3434	210	11	full	full	ADJ
fsr-3434	210	12	sample	sample	NOUN
fsr-3434	210	13	,	,	PUNCT
fsr-3434	210	14	and	and	CCONJ
fsr-3434	210	15	provide	provide	VERB
fsr-3434	210	16	results	result	NOUN
fsr-3434	210	17	on	on	ADP
fsr-3434	210	18	the	the	DET
fsr-3434	210	19	probability	probability	NOUN
fsr-3434	210	20	of	of	ADP
fsr-3434	210	21	social	social	ADJ
fsr-3434	210	22	program	program	NOUN
fsr-3434	210	23	participation	participation	NOUN
fsr-3434	210	24	without	without	ADP
fsr-3434	210	25	inclusion	inclusion	NOUN
fsr-3434	210	26	of	of	ADP
fsr-3434	210	27	financial	financial	ADJ
fsr-3434	210	28	literacy	literacy	NOUN
fsr-3434	210	29	scoring	scoring	NOUN
fsr-3434	210	30	(	(	PUNCT
fsr-3434	210	31	li	li	NOUN
fsr-3434	210	32	)	)	PUNCT
fsr-3434	210	33	(	(	PUNCT
fsr-3434	210	34	left	leave	VERB
fsr-3434	210	35	-	-	PUNCT
fsr-3434	210	36	hand	hand	NOUN
fsr-3434	210	37	310	310	NUM
fsr-3434	210	38	a.	a.	NOUN
fsr-3434	210	39	al	al	PROPN
fsr-3434	210	40	-	-	PUNCT
fsr-3434	210	41	bahrani	bahrani	PROPN
fsr-3434	210	42	et	et	PROPN
fsr-3434	210	43	al	al	PROPN
fsr-3434	210	44	.	.	PUNCT
fsr-3434	210	45	/	/	SYM
fsr-3434	210	46	financial	financial	ADJ
fsr-3434	210	47	services	service	NOUN
fsr-3434	210	48	review	review	VERB
fsr-3434	210	49	28	28	NUM
fsr-3434	210	50	(	(	PUNCT
fsr-3434	210	51	2020	2020	NUM
fsr-3434	210	52	)	)	PUNCT
fsr-3434	211	1	303–314	303–314	NUM
fsr-3434	211	2	column	column	NOUN
fsr-3434	211	3	of	of	ADP
fsr-3434	211	4	each	each	DET
fsr-3434	211	5	panel	panel	NOUN
fsr-3434	211	6	)	)	PUNCT
fsr-3434	211	7	and	and	CCONJ
fsr-3434	211	8	with	with	ADP
fsr-3434	211	9	inclusion	inclusion	NOUN
fsr-3434	211	10	of	of	ADP
fsr-3434	211	11	financial	financial	ADJ
fsr-3434	211	12	literacy	literacy	NOUN
fsr-3434	211	13	scoring	scoring	NOUN
fsr-3434	211	14	(	(	PUNCT
fsr-3434	211	15	right	right	ADJ
fsr-3434	211	16	-	-	PUNCT
fsr-3434	211	17	hand	hand	NOUN
fsr-3434	211	18	column	column	NOUN
fsr-3434	211	19	)	)	PUNCT
fsr-3434	211	20	,	,	PUNCT
fsr-3434	211	21	respectively	respectively	ADV
fsr-3434	211	22	.	.	PUNCT
fsr-3434	212	1	we	we	PRON
fsr-3434	212	2	find	find	VERB
fsr-3434	212	3	no	no	DET
fsr-3434	212	4	difference	difference	NOUN
fsr-3434	212	5	in	in	ADP
fsr-3434	212	6	the	the	DET
fsr-3434	212	7	significance	significance	NOUN
fsr-3434	212	8	of	of	ADP
fsr-3434	212	9	financial	financial	ADJ
fsr-3434	212	10	education	education	NOUN
fsr-3434	212	11	in	in	ADP
fsr-3434	212	12	relation	relation	NOUN
fsr-3434	212	13	to	to	PART
fsr-3434	212	14	participation	participation	VERB
fsr-3434	212	15	in	in	ADP
fsr-3434	212	16	social	social	ADJ
fsr-3434	212	17	programs	program	NOUN
fsr-3434	212	18	when	when	SCONJ
fsr-3434	212	19	the	the	DET
fsr-3434	212	20	purported	purport	VERB
fsr-3434	212	21	confounder	confounder	NOUN
fsr-3434	212	22	,	,	PUNCT
fsr-3434	212	23	financial	financial	ADJ
fsr-3434	212	24	literacy	literacy	NOUN
fsr-3434	212	25	,	,	PUNCT
fsr-3434	212	26	is	be	AUX
fsr-3434	212	27	included	include	VERB
fsr-3434	212	28	.	.	PUNCT
fsr-3434	213	1	further	far	ADV
fsr-3434	213	2	,	,	PUNCT
fsr-3434	213	3	in	in	ADP
fsr-3434	213	4	model	model	NOUN
fsr-3434	213	5	(	(	PUNCT
fsr-3434	213	6	2	2	NUM
fsr-3434	213	7	)	)	PUNCT
fsr-3434	213	8	,	,	PUNCT
fsr-3434	213	9	we	we	PRON
fsr-3434	213	10	find	find	VERB
fsr-3434	213	11	that	that	SCONJ
fsr-3434	213	12	answering	answer	VERB
fsr-3434	213	13	four	four	NUM
fsr-3434	213	14	and	and	CCONJ
fsr-3434	213	15	five	five	NUM
fsr-3434	213	16	of	of	ADP
fsr-3434	213	17	the	the	DET
fsr-3434	213	18	big	big	ADJ
fsr-3434	213	19	five	five	NUM
fsr-3434	213	20	financial	financial	ADJ
fsr-3434	213	21	literacy	literacy	NOUN
fsr-3434	213	22	questions	question	NOUN
fsr-3434	213	23	correctly	correctly	ADV
fsr-3434	213	24	is	be	AUX
fsr-3434	213	25	associated	associate	VERB
fsr-3434	213	26	with	with	ADP
fsr-3434	213	27	a	a	DET
fsr-3434	213	28	6.0	6.0	NUM
fsr-3434	213	29	%	%	NOUN
fsr-3434	213	30	and	and	CCONJ
fsr-3434	213	31	8.8	8.8	NUM
fsr-3434	213	32	%	%	NOUN
fsr-3434	213	33	decrease	decrease	NOUN
fsr-3434	213	34	,	,	PUNCT
fsr-3434	213	35	respectively	respectively	ADV
fsr-3434	213	36	,	,	PUNCT
fsr-3434	213	37	in	in	ADP
fsr-3434	213	38	the	the	DET
fsr-3434	213	39	probability	probability	NOUN
fsr-3434	213	40	of	of	ADP
fsr-3434	213	41	participation	participation	NOUN
fsr-3434	213	42	in	in	ADP
fsr-3434	213	43	social	social	ADJ
fsr-3434	213	44	programs	program	NOUN
fsr-3434	213	45	.	.	PUNCT
fsr-3434	214	1	therefore	therefore	ADV
fsr-3434	214	2	,	,	PUNCT
fsr-3434	214	3	policymakers	policymaker	NOUN
fsr-3434	214	4	’	'	PUNCT
fsr-3434	214	5	assumption	assumption	NOUN
fsr-3434	214	6	that	that	SCONJ
fsr-3434	214	7	individuals	individual	NOUN
fsr-3434	214	8	with	with	ADP
fsr-3434	214	9	higher	high	ADJ
fsr-3434	214	10	financial	financial	ADJ
fsr-3434	214	11	literacy	literacy	NOUN
fsr-3434	214	12	scores	score	NOUN
fsr-3434	214	13	are	be	AUX
fsr-3434	214	14	less	less	ADV
fsr-3434	214	15	likely	likely	ADJ
fsr-3434	214	16	to	to	PART
fsr-3434	214	17	participate	participate	VERB
fsr-3434	214	18	in	in	ADP
fsr-3434	214	19	social	social	ADJ
fsr-3434	214	20	programs	program	NOUN
fsr-3434	214	21	is	be	AUX
fsr-3434	214	22	supported	support	VERB
fsr-3434	214	23	.	.	PUNCT
fsr-3434	215	1	however	however	ADV
fsr-3434	215	2	,	,	PUNCT
fsr-3434	215	3	this	this	DET
fsr-3434	215	4	result	result	NOUN
fsr-3434	215	5	is	be	AUX
fsr-3434	215	6	not	not	PART
fsr-3434	215	7	causal	causal	ADJ
fsr-3434	215	8	.	.	PUNCT
fsr-3434	216	1	when	when	SCONJ
fsr-3434	216	2	we	we	PRON
fsr-3434	216	3	test	test	VERB
fsr-3434	216	4	for	for	ADP
fsr-3434	216	5	returns	return	NOUN
fsr-3434	216	6	to	to	ADP
fsr-3434	216	7	financial	financial	ADJ
fsr-3434	216	8	education	education	NOUN
fsr-3434	216	9	,	,	PUNCT
fsr-3434	216	10	we	we	PRON
fsr-3434	216	11	find	find	VERB
fsr-3434	216	12	no	no	DET
fsr-3434	216	13	statistical	statistical	ADJ
fsr-3434	216	14	evidence	evidence	NOUN
fsr-3434	216	15	that	that	SCONJ
fsr-3434	216	16	those	those	PRON
fsr-3434	216	17	required	require	VERB
fsr-3434	216	18	to	to	PART
fsr-3434	216	19	take	take	VERB
fsr-3434	216	20	a	a	DET
fsr-3434	216	21	financial	financial	ADJ
fsr-3434	216	22	education	education	NOUN
fsr-3434	216	23	course	course	NOUN
fsr-3434	216	24	are	be	AUX
fsr-3434	216	25	less	less	ADV
fsr-3434	216	26	likely	likely	ADJ
fsr-3434	216	27	to	to	PART
fsr-3434	216	28	rely	rely	VERB
fsr-3434	216	29	on	on	ADP
fsr-3434	216	30	social	social	ADJ
fsr-3434	216	31	table	table	NOUN
fsr-3434	216	32	2	2	NUM
fsr-3434	216	33	linear	linear	NOUN
fsr-3434	216	34	probability	probability	NOUN
fsr-3434	216	35	model	model	NOUN
fsr-3434	216	36	estimating	estimate	VERB
fsr-3434	216	37	the	the	DET
fsr-3434	216	38	participation	participation	NOUN
fsr-3434	216	39	in	in	ADP
fsr-3434	216	40	social	social	ADJ
fsr-3434	216	41	programs	program	NOUN
fsr-3434	216	42	full	full	ADJ
fsr-3434	216	43	sample	sample	NOUN
fsr-3434	216	44	sub	sub	NOUN
fsr-3434	216	45	-	-	NOUN
fsr-3434	216	46	sample	sample	ADJ
fsr-3434	216	47	(	(	PUNCT
fsr-3434	216	48	18–25	18–25	NUM
fsr-3434	216	49	years	year	NOUN
fsr-3434	216	50	)	)	PUNCT
fsr-3434	216	51	(	(	PUNCT
fsr-3434	216	52	1	1	X
fsr-3434	216	53	)	)	PUNCT
fsr-3434	216	54	(	(	PUNCT
fsr-3434	216	55	2	2	NUM
fsr-3434	216	56	)	)	PUNCT
fsr-3434	216	57	(	(	PUNCT
fsr-3434	216	58	3	3	X
fsr-3434	216	59	)	)	PUNCT
fsr-3434	216	60	(	(	PUNCT
fsr-3434	216	61	4	4	X
fsr-3434	216	62	)	)	PUNCT
fsr-3434	216	63	did	do	AUX
fsr-3434	216	64	not	not	PART
fsr-3434	216	65	take	take	VERB
fsr-3434	216	66	a	a	DET
fsr-3434	216	67	financial	financial	ADJ
fsr-3434	216	68	literacy	literacy	NOUN
fsr-3434	216	69	course	course	NOUN
fsr-3434	216	70	omitted	omit	VERB
fsr-3434	216	71	omitted	omit	VERB
fsr-3434	216	72	took	take	VERB
fsr-3434	216	73	an	an	DET
fsr-3434	216	74	optional	optional	ADJ
fsr-3434	216	75	financial	financial	ADJ
fsr-3434	216	76	literacy	literacy	NOUN
fsr-3434	216	77	course	course	NOUN
fsr-3434	216	78	�	�	PROPN
fsr-3434	216	79	0.015	0.015	NUM
fsr-3434	216	80	�	�	PROPN
fsr-3434	216	81	0.011	0.011	NUM
fsr-3434	216	82	�	�	PROPN
fsr-3434	216	83	0.034	0.034	NUM
fsr-3434	216	84	�	�	NOUN
fsr-3434	216	85	0.030	0.030	NUM
fsr-3434	216	86	[	[	X
fsr-3434	216	87	0.027	0.027	NUM
fsr-3434	216	88	]	]	PUNCT
fsr-3434	217	1	[	[	X
fsr-3434	217	2	0.027	0.027	NUM
fsr-3434	217	3	]	]	X
fsr-3434	217	4	[	[	X
fsr-3434	217	5	0.052	0.052	X
fsr-3434	217	6	]	]	X
fsr-3434	217	7	[	[	X
fsr-3434	217	8	0.052	0.052	X
fsr-3434	217	9	]	]	X
fsr-3434	217	10	took	take	VERB
fsr-3434	217	11	a	a	DET
fsr-3434	217	12	required	require	VERB
fsr-3434	217	13	financial	financial	ADJ
fsr-3434	217	14	literacy	literacy	NOUN
fsr-3434	217	15	course	course	NOUN
fsr-3434	217	16	�	�	PROPN
fsr-3434	217	17	0.015	0.015	NUM
fsr-3434	217	18	�	�	PROPN
fsr-3434	217	19	0.008	0.008	NUM
fsr-3434	217	20	0.041	0.041	NUM
fsr-3434	217	21	0.042	0.042	NUM
fsr-3434	217	22	[	[	X
fsr-3434	217	23	0.019	0.019	NUM
fsr-3434	217	24	]	]	X
fsr-3434	218	1	[	[	X
fsr-3434	218	2	0.019	0.019	NUM
fsr-3434	218	3	]	]	X
fsr-3434	218	4	[	[	X
fsr-3434	218	5	0.030	0.030	NUM
fsr-3434	218	6	]	]	PUNCT
fsr-3434	218	7	[	[	X
fsr-3434	218	8	0.031	0.031	NUM
fsr-3434	218	9	]	]	X
fsr-3434	218	10	age	age	NOUN
fsr-3434	218	11	�	�	PROPN
fsr-3434	218	12	0.001	0.001	NUM
fsr-3434	218	13	*	*	SYM
fsr-3434	218	14	�	�	PROPN
fsr-3434	218	15	0.000	0.000	NUM
fsr-3434	218	16	0.015	0.015	NUM
fsr-3434	218	17	*	*	PUNCT
fsr-3434	218	18	*	*	PUNCT
fsr-3434	218	19	0.014	0.014	NUM
fsr-3434	218	20	*	*	PUNCT
fsr-3434	218	21	*	*	PUNCT
fsr-3434	219	1	[	[	X
fsr-3434	219	2	0.000	0.000	X
fsr-3434	219	3	]	]	X
fsr-3434	220	1	[	[	X
fsr-3434	220	2	0.000	0.000	X
fsr-3434	220	3	]	]	X
fsr-3434	221	1	[	[	X
fsr-3434	221	2	0.006	0.006	NUM
fsr-3434	221	3	]	]	PUNCT
fsr-3434	221	4	[	[	X
fsr-3434	221	5	0.006	0.006	NUM
fsr-3434	221	6	]	]	X
fsr-3434	221	7	white	white	ADJ
fsr-3434	221	8	omitted	omit	VERB
fsr-3434	221	9	omitted	omit	VERB
fsr-3434	221	10	black	black	NOUN
fsr-3434	221	11	0.052	0.052	PRON
fsr-3434	221	12	*	*	PUNCT
fsr-3434	221	13	*	*	PUNCT
fsr-3434	221	14	*	*	PUNCT
fsr-3434	221	15	0.044	0.044	NUM
fsr-3434	221	16	*	*	PUNCT
fsr-3434	221	17	*	*	PUNCT
fsr-3434	221	18	*	*	PUNCT
fsr-3434	221	19	0.020	0.020	NUM
fsr-3434	221	20	0.018	0.018	NUM
fsr-3434	222	1	[	[	X
fsr-3434	222	2	0.015	0.015	NUM
fsr-3434	222	3	]	]	PUNCT
fsr-3434	223	1	[	[	X
fsr-3434	223	2	0.015	0.015	X
fsr-3434	223	3	]	]	PUNCT
fsr-3434	224	1	[	[	X
fsr-3434	224	2	0.036	0.036	X
fsr-3434	224	3	]	]	X
fsr-3434	224	4	[	[	X
fsr-3434	224	5	0.037	0.037	NUM
fsr-3434	224	6	]	]	X
fsr-3434	224	7	hispanic	hispanic	ADJ
fsr-3434	224	8	�	�	PROPN
fsr-3434	224	9	0.021	0.021	NUM
fsr-3434	224	10	�	�	PROPN
fsr-3434	224	11	0.027	0.027	NUM
fsr-3434	224	12	*	*	NUM
fsr-3434	224	13	0.006	0.006	NUM
fsr-3434	224	14	0.007	0.007	NUM
fsr-3434	225	1	[	[	X
fsr-3434	225	2	0.016	0.016	NUM
fsr-3434	225	3	]	]	X
fsr-3434	226	1	[	[	X
fsr-3434	226	2	0.016	0.016	NUM
fsr-3434	226	3	]	]	X
fsr-3434	226	4	[	[	X
fsr-3434	226	5	0.034	0.034	NUM
fsr-3434	226	6	]	]	PUNCT
fsr-3434	226	7	[	[	X
fsr-3434	226	8	0.034	0.034	NUM
fsr-3434	226	9	]	]	PUNCT
fsr-3434	226	10	asian	asian	PROPN
fsr-3434	226	11	�	�	PROPN
fsr-3434	226	12	0.080	0.080	NUM
fsr-3434	226	13	*	*	PROPN
fsr-3434	226	14	*	*	PUNCT
fsr-3434	226	15	*	*	X
fsr-3434	226	16	�	�	PROPN
fsr-3434	226	17	0.084	0.084	NUM
fsr-3434	226	18	*	*	PUNCT
fsr-3434	226	19	*	*	PUNCT
fsr-3434	226	20	*	*	PUNCT
fsr-3434	226	21	�	�	PROPN
fsr-3434	226	22	0.013	0.013	NUM
fsr-3434	226	23	�	�	PROPN
fsr-3434	226	24	0.017	0.017	NUM
fsr-3434	227	1	[	[	X
fsr-3434	227	2	0.027	0.027	NUM
fsr-3434	227	3	]	]	PUNCT
fsr-3434	228	1	[	[	X
fsr-3434	228	2	0.026	0.026	NUM
fsr-3434	228	3	]	]	PUNCT
fsr-3434	229	1	[	[	X
fsr-3434	229	2	0.057	0.057	NUM
fsr-3434	229	3	]	]	X
fsr-3434	229	4	[	[	X
fsr-3434	229	5	0.057	0.057	NUM
fsr-3434	229	6	]	]	PUNCT
fsr-3434	229	7	other	other	ADJ
fsr-3434	229	8	0.001	0.001	NUM
fsr-3434	229	9	�	�	PROPN
fsr-3434	229	10	0.001	0.001	NUM
fsr-3434	229	11	�	�	PROPN
fsr-3434	229	12	0.079	0.079	NUM
fsr-3434	229	13	�	�	PROPN
fsr-3434	229	14	0.077	0.077	NUM
fsr-3434	229	15	[	[	X
fsr-3434	229	16	0.024	0.024	NUM
fsr-3434	229	17	]	]	X
fsr-3434	230	1	[	[	X
fsr-3434	230	2	0.023	0.023	NUM
fsr-3434	230	3	]	]	PUNCT
fsr-3434	230	4	[	[	X
fsr-3434	230	5	0.053	0.053	NUM
fsr-3434	230	6	]	]	PUNCT
fsr-3434	231	1	[	[	X
fsr-3434	231	2	0.053	0.053	NUM
fsr-3434	231	3	]	]	PUNCT
fsr-3434	231	4	0	0	NUM
fsr-3434	231	5	correct	correct	ADJ
fsr-3434	231	6	omitted	omit	VERB
fsr-3434	231	7	omitted	omit	VERB
fsr-3434	231	8	1	1	NUM
fsr-3434	231	9	correct	correct	ADJ
fsr-3434	231	10	�	�	PROPN
fsr-3434	231	11	0.002	0.002	NUM
fsr-3434	231	12	�	�	PROPN
fsr-3434	231	13	0.002	0.002	NUM
fsr-3434	231	14	[	[	X
fsr-3434	231	15	0.016	0.016	NUM
fsr-3434	231	16	]	]	X
fsr-3434	231	17	[	[	X
fsr-3434	231	18	0.037	0.037	NUM
fsr-3434	231	19	]	]	SYM
fsr-3434	231	20	2	2	NUM
fsr-3434	231	21	correct	correct	ADJ
fsr-3434	231	22	�	�	NOUN
fsr-3434	231	23	0.005	0.005	NUM
fsr-3434	231	24	0.066	0.066	NUM
fsr-3434	231	25	*	*	PUNCT
fsr-3434	232	1	[	[	X
fsr-3434	232	2	0.016	0.016	NUM
fsr-3434	232	3	]	]	X
fsr-3434	232	4	[	[	X
fsr-3434	232	5	0.035	0.035	NUM
fsr-3434	232	6	]	]	SYM
fsr-3434	232	7	3	3	NUM
fsr-3434	232	8	correct	correct	ADJ
fsr-3434	232	9	�	�	PROPN
fsr-3434	232	10	0.014	0.014	NUM
fsr-3434	232	11	�	�	PROPN
fsr-3434	232	12	0.005	0.005	NUM
fsr-3434	233	1	[	[	X
fsr-3434	233	2	0.016	0.016	NUM
fsr-3434	233	3	]	]	PUNCT
fsr-3434	233	4	[	[	X
fsr-3434	233	5	0.039	0.039	NUM
fsr-3434	233	6	]	]	SYM
fsr-3434	233	7	4	4	NUM
fsr-3434	233	8	correct	correct	ADJ
fsr-3434	233	9	�	�	NOUN
fsr-3434	233	10	0.060	0.060	NUM
fsr-3434	233	11	*	*	PUNCT
fsr-3434	233	12	*	*	PUNCT
fsr-3434	233	13	*	*	PUNCT
fsr-3434	233	14	�	�	PROPN
fsr-3434	233	15	0.027	0.027	NUM
fsr-3434	233	16	[	[	X
fsr-3434	233	17	0.018	0.018	NUM
fsr-3434	233	18	]	]	PUNCT
fsr-3434	234	1	[	[	X
fsr-3434	234	2	0.045	0.045	NUM
fsr-3434	234	3	]	]	SYM
fsr-3434	234	4	5	5	NUM
fsr-3434	234	5	correct	correct	ADJ
fsr-3434	234	6	�	�	NOUN
fsr-3434	234	7	0.088	0.088	NUM
fsr-3434	234	8	*	*	PUNCT
fsr-3434	234	9	*	*	PUNCT
fsr-3434	234	10	*	*	PUNCT
fsr-3434	234	11	0.010	0.010	NUM
fsr-3434	234	12	[	[	X
fsr-3434	234	13	0.023	0.023	NUM
fsr-3434	234	14	]	]	PUNCT
fsr-3434	234	15	[	[	X
fsr-3434	234	16	0.064	0.064	NUM
fsr-3434	234	17	]	]	PUNCT
fsr-3434	234	18	controls	control	NOUN
fsr-3434	234	19	includeda	includeda	NOUN
fsr-3434	235	1	yes	yes	INTJ
fsr-3434	236	1	yes	yes	INTJ
fsr-3434	237	1	yes	yes	INTJ
fsr-3434	237	2	yes	yes	INTJ
fsr-3434	237	3	state	state	NOUN
fsr-3434	237	4	fixed	fix	VERB
fsr-3434	237	5	effect	effect	NOUN
fsr-3434	238	1	yes	yes	INTJ
fsr-3434	238	2	yes	yes	INTJ
fsr-3434	239	1	yes	yes	INTJ
fsr-3434	240	1	yes	yes	INTJ
fsr-3434	240	2	observations	observation	NOUN
fsr-3434	240	3	8,657	8,657	NUM
fsr-3434	240	4	8,657	8,657	NUM
fsr-3434	240	5	1,369	1,369	NUM
fsr-3434	240	6	1,369	1,369	NUM
fsr-3434	240	7	adjusted	adjust	VERB
fsr-3434	240	8	r2	r2	NOUN
fsr-3434	240	9	0.27	0.27	NUM
fsr-3434	240	10	0.27	0.27	NUM
fsr-3434	240	11	0.19	0.19	NUM
fsr-3434	240	12	0.19	0.19	NUM
fsr-3434	240	13	*	*	PUNCT
fsr-3434	240	14	p	p	X
fsr-3434	240	15	<	<	X
fsr-3434	240	16	.10	.10	NUM
fsr-3434	240	17	,	,	PUNCT
fsr-3434	240	18	*	*	PUNCT
fsr-3434	240	19	*	*	PUNCT
fsr-3434	240	20	p	p	X
fsr-3434	240	21	<	<	X
fsr-3434	240	22	.05	.05	NUM
fsr-3434	240	23	,	,	PUNCT
fsr-3434	240	24	*	*	PUNCT
fsr-3434	240	25	*	*	PUNCT
fsr-3434	240	26	*	*	PUNCT
fsr-3434	240	27	p	p	X
fsr-3434	240	28	<	<	X
fsr-3434	240	29	.001	.001	NUM
fsr-3434	240	30	.	.	PUNCT
fsr-3434	241	1	standard	standard	ADJ
fsr-3434	241	2	errors	error	NOUN
fsr-3434	241	3	in	in	ADP
fsr-3434	241	4	brackets	bracket	NOUN
fsr-3434	241	5	.	.	PUNCT
fsr-3434	242	1	a	a	DET
fsr-3434	242	2	controls	control	NOUN
fsr-3434	242	3	included	include	VERB
fsr-3434	242	4	,	,	PUNCT
fsr-3434	242	5	but	but	CCONJ
fsr-3434	242	6	not	not	PART
fsr-3434	242	7	reported	report	VERB
fsr-3434	242	8	for	for	ADP
fsr-3434	242	9	brevity	brevity	NOUN
fsr-3434	242	10	,	,	PUNCT
fsr-3434	242	11	are	be	AUX
fsr-3434	242	12	number	number	NOUN
fsr-3434	242	13	of	of	ADP
fsr-3434	242	14	dependents	dependent	NOUN
fsr-3434	242	15	,	,	PUNCT
fsr-3434	242	16	income	income	NOUN
fsr-3434	242	17	,	,	PUNCT
fsr-3434	242	18	and	and	CCONJ
fsr-3434	242	19	employment	employment	NOUN
fsr-3434	242	20	status	status	NOUN
fsr-3434	242	21	.	.	PUNCT
fsr-3434	243	1	a.	a.	PROPN
fsr-3434	243	2	al	al	PROPN
fsr-3434	243	3	-	-	PUNCT
fsr-3434	243	4	bahrani	bahrani	PROPN
fsr-3434	243	5	et	et	PROPN
fsr-3434	243	6	al	al	PROPN
fsr-3434	243	7	.	.	PUNCT
fsr-3434	243	8	/	/	SYM
fsr-3434	243	9	financial	financial	ADJ
fsr-3434	243	10	services	service	NOUN
fsr-3434	243	11	review	review	VERB
fsr-3434	243	12	28	28	NUM
fsr-3434	243	13	(	(	PUNCT
fsr-3434	243	14	2020	2020	NUM
fsr-3434	243	15	)	)	PUNCT
fsr-3434	244	1	303–314	303–314	NUM
fsr-3434	244	2	311	311	NUM
fsr-3434	244	3	programs	program	NOUN
fsr-3434	244	4	.	.	PUNCT
fsr-3434	245	1	similarly	similarly	ADV
fsr-3434	245	2	,	,	PUNCT
fsr-3434	245	3	those	those	PRON
fsr-3434	245	4	choosing	choose	VERB
fsr-3434	245	5	to	to	PART
fsr-3434	245	6	take	take	VERB
fsr-3434	245	7	financial	financial	ADJ
fsr-3434	245	8	literacy	literacy	NOUN
fsr-3434	245	9	education	education	NOUN
fsr-3434	245	10	courses	course	NOUN
fsr-3434	245	11	are	be	AUX
fsr-3434	245	12	as	as	ADV
fsr-3434	245	13	likely	likely	ADJ
fsr-3434	245	14	to	to	PART
fsr-3434	245	15	participate	participate	VERB
fsr-3434	245	16	in	in	ADP
fsr-3434	245	17	social	social	ADJ
fsr-3434	245	18	programs	program	NOUN
fsr-3434	245	19	as	as	ADP
fsr-3434	245	20	those	those	PRON
fsr-3434	245	21	who	who	PRON
fsr-3434	245	22	do	do	AUX
fsr-3434	245	23	not	not	PART
fsr-3434	245	24	participate	participate	VERB
fsr-3434	245	25	in	in	ADP
fsr-3434	245	26	any	any	DET
fsr-3434	245	27	course	course	NOUN
fsr-3434	245	28	.	.	PUNCT
fsr-3434	246	1	therefore	therefore	ADV
fsr-3434	246	2	,	,	PUNCT
fsr-3434	246	3	we	we	PRON
fsr-3434	246	4	find	find	VERB
fsr-3434	246	5	no	no	DET
fsr-3434	246	6	evidence	evidence	NOUN
fsr-3434	246	7	that	that	SCONJ
fsr-3434	246	8	mandating	mandate	VERB
fsr-3434	246	9	financial	financial	ADJ
fsr-3434	246	10	literacy	literacy	NOUN
fsr-3434	246	11	education	education	NOUN
fsr-3434	246	12	at	at	ADP
fsr-3434	246	13	the	the	DET
fsr-3434	246	14	high	high	ADJ
fsr-3434	246	15	school	school	NOUN
fsr-3434	246	16	level	level	NOUN
fsr-3434	246	17	is	be	AUX
fsr-3434	246	18	related	relate	VERB
fsr-3434	246	19	to	to	ADP
fsr-3434	246	20	financial	financial	ADJ
fsr-3434	246	21	behavior	behavior	NOUN
fsr-3434	246	22	changes	change	NOUN
fsr-3434	246	23	in	in	ADP
fsr-3434	246	24	the	the	DET
fsr-3434	246	25	context	context	NOUN
fsr-3434	246	26	of	of	ADP
fsr-3434	246	27	social	social	ADJ
fsr-3434	246	28	program	program	NOUN
fsr-3434	246	29	participation	participation	NOUN
fsr-3434	246	30	.	.	PUNCT
fsr-3434	247	1	given	give	VERB
fsr-3434	247	2	the	the	DET
fsr-3434	247	3	relatively	relatively	ADV
fsr-3434	247	4	recent	recent	ADJ
fsr-3434	247	5	growth	growth	NOUN
fsr-3434	247	6	of	of	ADP
fsr-3434	247	7	financial	financial	ADJ
fsr-3434	247	8	education	education	NOUN
fsr-3434	247	9	mandates	mandate	NOUN
fsr-3434	247	10	,	,	PUNCT
fsr-3434	247	11	we	we	PRON
fsr-3434	247	12	test	test	NOUN
fsr-3434	247	13	models	model	NOUN
fsr-3434	247	14	(	(	PUNCT
fsr-3434	247	15	1	1	NUM
fsr-3434	247	16	)	)	PUNCT
fsr-3434	247	17	and	and	CCONJ
fsr-3434	247	18	(	(	PUNCT
fsr-3434	247	19	2	2	X
fsr-3434	247	20	)	)	PUNCT
fsr-3434	247	21	on	on	ADP
fsr-3434	247	22	the	the	DET
fsr-3434	247	23	younger	young	ADJ
fsr-3434	247	24	population	population	NOUN
fsr-3434	247	25	(	(	PUNCT
fsr-3434	247	26	18	18	NUM
fsr-3434	247	27	-	-	SYM
fsr-3434	247	28	25	25	NUM
fsr-3434	247	29	years	year	NOUN
fsr-3434	247	30	old	old	ADJ
fsr-3434	247	31	)	)	PUNCT
fsr-3434	247	32	in	in	ADP
fsr-3434	247	33	our	our	PRON
fsr-3434	247	34	sample	sample	NOUN
fsr-3434	247	35	in	in	ADP
fsr-3434	247	36	regressions	regression	NOUN
fsr-3434	247	37	(	(	PUNCT
fsr-3434	247	38	3	3	NUM
fsr-3434	247	39	)	)	PUNCT
fsr-3434	247	40	and	and	CCONJ
fsr-3434	247	41	(	(	PUNCT
fsr-3434	247	42	4	4	NUM
fsr-3434	247	43	)	)	PUNCT
fsr-3434	247	44	,	,	PUNCT
fsr-3434	247	45	as	as	SCONJ
fsr-3434	247	46	shown	show	VERB
fsr-3434	247	47	in	in	ADP
fsr-3434	247	48	table	table	NOUN
fsr-3434	247	49	2	2	NUM
fsr-3434	247	50	.	.	PUNCT
fsr-3434	248	1	we	we	PRON
fsr-3434	248	2	still	still	ADV
fsr-3434	248	3	find	find	VERB
fsr-3434	248	4	no	no	DET
fsr-3434	248	5	statistical	statistical	ADJ
fsr-3434	248	6	association	association	NOUN
fsr-3434	248	7	of	of	ADP
fsr-3434	248	8	financial	financial	ADJ
fsr-3434	248	9	education	education	NOUN
fsr-3434	248	10	courses	course	NOUN
fsr-3434	248	11	with	with	ADP
fsr-3434	248	12	social	social	ADJ
fsr-3434	248	13	program	program	NOUN
fsr-3434	248	14	participation	participation	NOUN
fsr-3434	248	15	,	,	PUNCT
fsr-3434	248	16	but	but	CCONJ
fsr-3434	248	17	we	we	PRON
fsr-3434	248	18	do	do	AUX
fsr-3434	248	19	see	see	VERB
fsr-3434	248	20	significance	significance	NOUN
fsr-3434	248	21	appear	appear	VERB
fsr-3434	248	22	on	on	ADP
fsr-3434	248	23	the	the	DET
fsr-3434	248	24	age	age	NOUN
fsr-3434	248	25	covariate	covariate	NOUN
fsr-3434	248	26	.	.	PUNCT
fsr-3434	249	1	the	the	DET
fsr-3434	249	2	probability	probability	NOUN
fsr-3434	249	3	of	of	ADP
fsr-3434	249	4	social	social	ADJ
fsr-3434	249	5	program	program	NOUN
fsr-3434	249	6	participation	participation	NOUN
fsr-3434	249	7	is	be	AUX
fsr-3434	249	8	associated	associate	VERB
fsr-3434	249	9	with	with	ADP
fsr-3434	249	10	an	an	DET
fsr-3434	249	11	approximate	approximate	ADJ
fsr-3434	249	12	1.5	1.5	NUM
fsr-3434	249	13	%	%	NOUN
fsr-3434	249	14	increase	increase	NOUN
fsr-3434	249	15	as	as	SCONJ
fsr-3434	249	16	age	age	NOUN
fsr-3434	249	17	increases	increase	NOUN
fsr-3434	249	18	from	from	ADP
fsr-3434	249	19	18	18	NUM
fsr-3434	249	20	to	to	PART
fsr-3434	249	21	25	25	NUM
fsr-3434	249	22	years	year	NOUN
fsr-3434	249	23	,	,	PUNCT
fsr-3434	249	24	whereas	whereas	SCONJ
fsr-3434	249	25	in	in	ADP
fsr-3434	249	26	the	the	DET
fsr-3434	249	27	full	full	ADJ
fsr-3434	249	28	sample	sample	NOUN
fsr-3434	249	29	—	—	PUNCT
fsr-3434	249	30	model	model	NOUN
fsr-3434	249	31	(	(	PUNCT
fsr-3434	249	32	1)—an	1)—an	PRON
fsr-3434	249	33	increase	increase	NOUN
fsr-3434	249	34	in	in	ADP
fsr-3434	249	35	age	age	NOUN
fsr-3434	249	36	is	be	AUX
fsr-3434	249	37	associated	associate	VERB
fsr-3434	249	38	with	with	ADP
fsr-3434	249	39	a	a	DET
fsr-3434	249	40	decreased	decrease	VERB
fsr-3434	249	41	probability	probability	NOUN
fsr-3434	249	42	(	(	PUNCT
fsr-3434	249	43	0.1	0.1	NUM
fsr-3434	249	44	%	%	NOUN
fsr-3434	249	45	)	)	PUNCT
fsr-3434	249	46	of	of	ADP
fsr-3434	249	47	social	social	ADJ
fsr-3434	249	48	program	program	NOUN
fsr-3434	249	49	participation	participation	NOUN
fsr-3434	249	50	.	.	PUNCT
fsr-3434	250	1	this	this	PRON
fsr-3434	250	2	is	be	AUX
fsr-3434	250	3	not	not	PART
fsr-3434	250	4	a	a	DET
fsr-3434	250	5	surprising	surprising	ADJ
fsr-3434	250	6	result	result	NOUN
fsr-3434	250	7	,	,	PUNCT
fsr-3434	250	8	given	give	VERB
fsr-3434	250	9	participants	participant	NOUN
fsr-3434	250	10	likely	likely	ADJ
fsr-3434	250	11	progress	progress	VERB
fsr-3434	250	12	toward	toward	ADP
fsr-3434	250	13	financial	financial	ADJ
fsr-3434	250	14	autonomy	autonomy	NOUN
fsr-3434	250	15	from	from	ADP
fsr-3434	250	16	the	the	DET
fsr-3434	250	17	ages	age	NOUN
fsr-3434	250	18	of	of	ADP
fsr-3434	250	19	18	18	NUM
fsr-3434	250	20	to	to	PART
fsr-3434	250	21	25	25	NUM
fsr-3434	250	22	.	.	PUNCT
fsr-3434	251	1	we	we	PRON
fsr-3434	251	2	also	also	ADV
fsr-3434	251	3	find	find	VERB
fsr-3434	251	4	a	a	DET
fsr-3434	251	5	shift	shift	NOUN
fsr-3434	251	6	in	in	ADP
fsr-3434	251	7	significance	significance	NOUN
fsr-3434	251	8	when	when	SCONJ
fsr-3434	251	9	we	we	PRON
fsr-3434	251	10	include	include	VERB
fsr-3434	251	11	the	the	DET
fsr-3434	251	12	financial	financial	ADJ
fsr-3434	251	13	literacy	literacy	NOUN
fsr-3434	251	14	scores	score	NOUN
fsr-3434	251	15	in	in	ADP
fsr-3434	251	16	regression	regression	NOUN
fsr-3434	251	17	(	(	PUNCT
fsr-3434	251	18	4	4	NUM
fsr-3434	251	19	)	)	PUNCT
fsr-3434	251	20	,	,	PUNCT
fsr-3434	251	21	from	from	ADP
fsr-3434	251	22	a	a	DET
fsr-3434	251	23	significantly	significantly	ADV
fsr-3434	251	24	smaller	small	ADJ
fsr-3434	251	25	association	association	NOUN
fsr-3434	251	26	with	with	ADP
fsr-3434	251	27	social	social	ADJ
fsr-3434	251	28	program	program	NOUN
fsr-3434	251	29	participation	participation	NOUN
fsr-3434	251	30	when	when	SCONJ
fsr-3434	251	31	four	four	NUM
fsr-3434	251	32	or	or	CCONJ
fsr-3434	251	33	five	five	NUM
fsr-3434	251	34	literacy	literacy	NOUN
fsr-3434	251	35	questions	question	NOUN
fsr-3434	251	36	are	be	AUX
fsr-3434	251	37	correctly	correctly	ADV
fsr-3434	251	38	answered	answer	VERB
fsr-3434	251	39	to	to	ADP
fsr-3434	251	40	an	an	DET
fsr-3434	251	41	increased	increase	VERB
fsr-3434	251	42	association	association	NOUN
fsr-3434	251	43	with	with	ADP
fsr-3434	251	44	social	social	ADJ
fsr-3434	251	45	program	program	NOUN
fsr-3434	251	46	participation	participation	NOUN
fsr-3434	251	47	when	when	SCONJ
fsr-3434	251	48	only	only	ADV
fsr-3434	251	49	two	two	NUM
fsr-3434	251	50	literacy	literacy	NOUN
fsr-3434	251	51	questions	question	NOUN
fsr-3434	251	52	are	be	AUX
fsr-3434	251	53	answered	answer	VERB
fsr-3434	251	54	correctly	correctly	ADV
fsr-3434	251	55	.	.	PUNCT
fsr-3434	252	1	this	this	PRON
fsr-3434	252	2	may	may	AUX
fsr-3434	252	3	be	be	AUX
fsr-3434	252	4	a	a	DET
fsr-3434	252	5	distribution	distribution	NOUN
fsr-3434	252	6	effect	effect	NOUN
fsr-3434	252	7	in	in	ADP
fsr-3434	252	8	this	this	DET
fsr-3434	252	9	age	age	NOUN
fsr-3434	252	10	subsample	subsample	NOUN
fsr-3434	252	11	since	since	SCONJ
fsr-3434	252	12	the	the	DET
fsr-3434	252	13	number	number	NOUN
fsr-3434	252	14	of	of	ADP
fsr-3434	252	15	our	our	PRON
fsr-3434	252	16	observations	observation	NOUN
fsr-3434	252	17	falls	fall	VERB
fsr-3434	252	18	from	from	ADP
fsr-3434	252	19	8,657	8,657	NUM
fsr-3434	252	20	in	in	ADP
fsr-3434	252	21	models	model	NOUN
fsr-3434	252	22	(	(	PUNCT
fsr-3434	252	23	1	1	NUM
fsr-3434	252	24	)	)	PUNCT
fsr-3434	252	25	and	and	CCONJ
fsr-3434	252	26	(	(	PUNCT
fsr-3434	252	27	2	2	X
fsr-3434	252	28	)	)	PUNCT
fsr-3434	252	29	to	to	ADP
fsr-3434	252	30	1,369	1,369	NUM
fsr-3434	252	31	in	in	ADP
fsr-3434	252	32	models	model	NOUN
fsr-3434	252	33	(	(	PUNCT
fsr-3434	252	34	3	3	NUM
fsr-3434	252	35	)	)	PUNCT
fsr-3434	252	36	and	and	CCONJ
fsr-3434	252	37	(	(	PUNCT
fsr-3434	252	38	4	4	NUM
fsr-3434	252	39	)	)	PUNCT
fsr-3434	252	40	.	.	PUNCT
fsr-3434	253	1	6	6	X
fsr-3434	253	2	.	.	PUNCT
fsr-3434	253	3	limitations	limitation	NOUN
fsr-3434	253	4	according	accord	VERB
fsr-3434	253	5	to	to	ADP
fsr-3434	253	6	fernandes	fernandes	PROPN
fsr-3434	253	7	et	et	PROPN
fsr-3434	253	8	al	al	PROPN
fsr-3434	253	9	.	.	PROPN
fsr-3434	254	1	(	(	PUNCT
fsr-3434	254	2	2014	2014	NUM
fsr-3434	254	3	)	)	PUNCT
fsr-3434	254	4	,	,	PUNCT
fsr-3434	254	5	the	the	DET
fsr-3434	254	6	impact	impact	NOUN
fsr-3434	254	7	of	of	ADP
fsr-3434	254	8	financial	financial	ADJ
fsr-3434	254	9	literacy	literacy	NOUN
fsr-3434	254	10	education	education	NOUN
fsr-3434	254	11	on	on	ADP
fsr-3434	254	12	financial	financial	ADJ
fsr-3434	254	13	behaviors	behavior	NOUN
fsr-3434	254	14	has	have	AUX
fsr-3434	254	15	been	be	AUX
fsr-3434	254	16	inconclusive	inconclusive	ADJ
fsr-3434	254	17	.	.	PUNCT
fsr-3434	255	1	our	our	PRON
fsr-3434	255	2	research	research	NOUN
fsr-3434	255	3	also	also	ADV
fsr-3434	255	4	finds	find	VERB
fsr-3434	255	5	no	no	DET
fsr-3434	255	6	evidence	evidence	NOUN
fsr-3434	255	7	supporting	support	VERB
fsr-3434	255	8	changes	change	NOUN
fsr-3434	255	9	in	in	ADP
fsr-3434	255	10	financial	financial	ADJ
fsr-3434	255	11	behaviors	behavior	NOUN
fsr-3434	255	12	via	via	ADP
fsr-3434	255	13	financial	financial	ADJ
fsr-3434	255	14	literacy	literacy	NOUN
fsr-3434	255	15	education	education	NOUN
fsr-3434	255	16	mandates	mandate	NOUN
fsr-3434	255	17	.	.	PUNCT
fsr-3434	256	1	while	while	SCONJ
fsr-3434	256	2	those	those	PRON
fsr-3434	256	3	who	who	PRON
fsr-3434	256	4	score	score	VERB
fsr-3434	256	5	higher	higher	ADV
fsr-3434	256	6	on	on	ADP
fsr-3434	256	7	financial	financial	ADJ
fsr-3434	256	8	literacy	literacy	NOUN
fsr-3434	256	9	assessment	assessment	NOUN
fsr-3434	256	10	are	be	AUX
fsr-3434	256	11	less	less	ADV
fsr-3434	256	12	likely	likely	ADJ
fsr-3434	256	13	to	to	PART
fsr-3434	256	14	participate	participate	VERB
fsr-3434	256	15	in	in	ADP
fsr-3434	256	16	social	social	ADJ
fsr-3434	256	17	programs	program	NOUN
fsr-3434	256	18	,	,	PUNCT
fsr-3434	256	19	it	it	PRON
fsr-3434	256	20	is	be	AUX
fsr-3434	256	21	important	important	ADJ
fsr-3434	256	22	to	to	PART
fsr-3434	256	23	note	note	VERB
fsr-3434	256	24	that	that	SCONJ
fsr-3434	256	25	their	their	PRON
fsr-3434	256	26	financial	financial	ADJ
fsr-3434	256	27	knowledge	knowledge	NOUN
fsr-3434	256	28	may	may	AUX
fsr-3434	256	29	be	be	AUX
fsr-3434	256	30	derived	derive	VERB
fsr-3434	256	31	from	from	ADP
fsr-3434	256	32	places	place	NOUN
fsr-3434	256	33	other	other	ADJ
fsr-3434	256	34	than	than	ADP
fsr-3434	256	35	high	high	ADJ
fsr-3434	256	36	school	school	NOUN
fsr-3434	256	37	,	,	PUNCT
fsr-3434	256	38	including	include	VERB
fsr-3434	256	39	life	life	NOUN
fsr-3434	256	40	experiences	experience	NOUN
fsr-3434	256	41	and	and	CCONJ
fsr-3434	256	42	informal	informal	ADJ
fsr-3434	256	43	education	education	NOUN
fsr-3434	256	44	.	.	PUNCT
fsr-3434	257	1	the	the	DET
fsr-3434	257	2	limitation	limitation	NOUN
fsr-3434	257	3	of	of	ADP
fsr-3434	257	4	our	our	PRON
fsr-3434	257	5	research	research	NOUN
fsr-3434	257	6	is	be	AUX
fsr-3434	257	7	that	that	SCONJ
fsr-3434	257	8	we	we	PRON
fsr-3434	257	9	rely	rely	VERB
fsr-3434	257	10	on	on	ADP
fsr-3434	257	11	self	self	NOUN
fsr-3434	257	12	-	-	PUNCT
fsr-3434	257	13	reported	report	VERB
fsr-3434	257	14	identification	identification	NOUN
fsr-3434	257	15	of	of	ADP
fsr-3434	257	16	class	class	NOUN
fsr-3434	257	17	requirements	requirement	NOUN
fsr-3434	257	18	.	.	PUNCT
fsr-3434	258	1	a	a	DET
fsr-3434	258	2	common	common	ADJ
fsr-3434	258	3	issue	issue	NOUN
fsr-3434	258	4	in	in	ADP
fsr-3434	258	5	this	this	DET
fsr-3434	258	6	field	field	NOUN
fsr-3434	258	7	of	of	ADP
fsr-3434	258	8	research	research	NOUN
fsr-3434	258	9	is	be	AUX
fsr-3434	258	10	that	that	SCONJ
fsr-3434	258	11	there	there	PRON
fsr-3434	258	12	is	be	VERB
fsr-3434	258	13	no	no	DET
fsr-3434	258	14	standard	standard	ADJ
fsr-3434	258	15	definition	definition	NOUN
fsr-3434	258	16	of	of	ADP
fsr-3434	258	17	financial	financial	ADJ
fsr-3434	258	18	literacy	literacy	NOUN
fsr-3434	258	19	and	and	CCONJ
fsr-3434	258	20	financial	financial	ADJ
fsr-3434	258	21	literacy	literacy	NOUN
fsr-3434	258	22	curriculum	curriculum	NOUN
fsr-3434	258	23	.	.	PUNCT
fsr-3434	259	1	additionally	additionally	ADV
fsr-3434	259	2	,	,	PUNCT
fsr-3434	259	3	the	the	DET
fsr-3434	259	4	survey	survey	NOUN
fsr-3434	259	5	data	datum	NOUN
fsr-3434	259	6	we	we	PRON
fsr-3434	259	7	use	use	VERB
fsr-3434	259	8	classifies	classify	VERB
fsr-3434	259	9	individuals	individual	NOUN
fsr-3434	259	10	as	as	ADP
fsr-3434	259	11	having	having	AUX
fsr-3434	259	12	experienced	experience	VERB
fsr-3434	259	13	a	a	DET
fsr-3434	259	14	required	require	VERB
fsr-3434	259	15	financial	financial	ADJ
fsr-3434	259	16	education	education	NOUN
fsr-3434	259	17	course	course	NOUN
fsr-3434	259	18	,	,	PUNCT
fsr-3434	259	19	a	a	DET
fsr-3434	259	20	voluntary	voluntary	ADJ
fsr-3434	259	21	course	course	NOUN
fsr-3434	259	22	,	,	PUNCT
fsr-3434	259	23	or	or	CCONJ
fsr-3434	259	24	no	no	DET
fsr-3434	259	25	financial	financial	ADJ
fsr-3434	259	26	education	education	NOUN
fsr-3434	259	27	course	course	NOUN
fsr-3434	259	28	.	.	PUNCT
fsr-3434	260	1	readers	reader	NOUN
fsr-3434	260	2	should	should	AUX
fsr-3434	260	3	be	be	AUX
fsr-3434	260	4	careful	careful	ADJ
fsr-3434	260	5	when	when	SCONJ
fsr-3434	260	6	interpreting	interpret	VERB
fsr-3434	260	7	the	the	DET
fsr-3434	260	8	experiment	experiment	NOUN
fsr-3434	260	9	,	,	PUNCT
fsr-3434	260	10	as	as	SCONJ
fsr-3434	260	11	these	these	PRON
fsr-3434	260	12	were	be	AUX
fsr-3434	260	13	not	not	PART
fsr-3434	260	14	random	random	ADJ
fsr-3434	260	15	assignments	assignment	NOUN
fsr-3434	260	16	.	.	PUNCT
fsr-3434	261	1	this	this	DET
fsr-3434	261	2	research	research	NOUN
fsr-3434	261	3	would	would	AUX
fsr-3434	261	4	therefore	therefore	ADV
fsr-3434	261	5	be	be	AUX
fsr-3434	261	6	classified	classify	VERB
fsr-3434	261	7	as	as	ADP
fsr-3434	261	8	a	a	DET
fsr-3434	261	9	kind	kind	NOUN
fsr-3434	261	10	of	of	ADP
fsr-3434	261	11	“	"	PUNCT
fsr-3434	261	12	non	non	ADJ
fsr-3434	261	13	-	-	ADJ
fsr-3434	261	14	equivalent	equivalent	ADJ
fsr-3434	261	15	control	control	NOUN
fsr-3434	261	16	group	group	NOUN
fsr-3434	261	17	”	"	PUNCT
fsr-3434	261	18	quasi	quasi	NOUN
fsr-3434	261	19	-	-	NOUN
fsr-3434	261	20	experiment	experiment	NOUN
fsr-3434	261	21	(	(	PUNCT
fsr-3434	261	22	shadish	shadish	ADJ
fsr-3434	261	23	,	,	PUNCT
fsr-3434	261	24	cook	cook	NOUN
fsr-3434	261	25	,	,	PUNCT
fsr-3434	261	26	&	&	CCONJ
fsr-3434	261	27	campbell	campbell	PROPN
fsr-3434	261	28	,	,	PUNCT
fsr-3434	261	29	2002	2002	NUM
fsr-3434	261	30	)	)	PUNCT
fsr-3434	261	31	.	.	PUNCT
fsr-3434	262	1	it	it	PRON
fsr-3434	262	2	is	be	AUX
fsr-3434	262	3	important	important	ADJ
fsr-3434	262	4	,	,	PUNCT
fsr-3434	262	5	though	though	ADV
fsr-3434	262	6	,	,	PUNCT
fsr-3434	262	7	to	to	PART
fsr-3434	262	8	distinguish	distinguish	VERB
fsr-3434	262	9	this	this	DET
fsr-3434	262	10	form	form	NOUN
fsr-3434	262	11	of	of	ADP
fsr-3434	262	12	selection	selection	NOUN
fsr-3434	262	13	from	from	ADP
fsr-3434	262	14	“	"	PUNCT
fsr-3434	262	15	self	self	NOUN
fsr-3434	262	16	-	-	PUNCT
fsr-3434	262	17	selection	selection	NOUN
fsr-3434	262	18	”	"	PUNCT
fsr-3434	262	19	whereby	whereby	SCONJ
fsr-3434	262	20	people	people	NOUN
fsr-3434	262	21	self	self	NOUN
fsr-3434	262	22	-	-	PUNCT
fsr-3434	262	23	select	select	NOUN
fsr-3434	262	24	the	the	DET
fsr-3434	262	25	treatment	treatment	NOUN
fsr-3434	262	26	they	they	PRON
fsr-3434	262	27	receive	receive	VERB
fsr-3434	262	28	.	.	PUNCT
fsr-3434	263	1	our	our	PRON
fsr-3434	263	2	study	study	NOUN
fsr-3434	263	3	used	use	VERB
fsr-3434	263	4	several	several	ADJ
fsr-3434	263	5	controls	control	NOUN
fsr-3434	263	6	to	to	PART
fsr-3434	263	7	address	address	VERB
fsr-3434	263	8	the	the	DET
fsr-3434	263	9	differences	difference	NOUN
fsr-3434	263	10	between	between	ADP
fsr-3434	263	11	the	the	DET
fsr-3434	263	12	participants	participant	NOUN
fsr-3434	263	13	in	in	ADP
fsr-3434	263	14	the	the	DET
fsr-3434	263	15	different	different	ADJ
fsr-3434	263	16	groups	group	NOUN
fsr-3434	263	17	that	that	PRON
fsr-3434	263	18	existed	exist	VERB
fsr-3434	263	19	before	before	ADP
fsr-3434	263	20	their	their	PRON
fsr-3434	263	21	differential	differential	ADJ
fsr-3434	263	22	treatment	treatment	NOUN
fsr-3434	263	23	.	.	PUNCT
fsr-3434	264	1	however	however	ADV
fsr-3434	264	2	,	,	PUNCT
fsr-3434	264	3	there	there	PRON
fsr-3434	264	4	is	be	VERB
fsr-3434	264	5	a	a	DET
fsr-3434	264	6	possibility	possibility	NOUN
fsr-3434	264	7	that	that	SCONJ
fsr-3434	264	8	the	the	DET
fsr-3434	264	9	significance	significance	NOUN
fsr-3434	264	10	of	of	ADP
fsr-3434	264	11	social	social	ADJ
fsr-3434	264	12	program	program	NOUN
fsr-3434	264	13	participation	participation	NOUN
fsr-3434	264	14	could	could	AUX
fsr-3434	264	15	be	be	AUX
fsr-3434	264	16	impacted	impact	VERB
fsr-3434	264	17	by	by	ADP
fsr-3434	264	18	these	these	DET
fsr-3434	264	19	pre	pre	ADJ
fsr-3434	264	20	-	-	ADJ
fsr-3434	264	21	existing	existing	ADJ
fsr-3434	264	22	differences	difference	NOUN
fsr-3434	264	23	that	that	PRON
fsr-3434	264	24	may	may	AUX
fsr-3434	264	25	have	have	AUX
fsr-3434	264	26	not	not	PART
fsr-3434	264	27	been	be	AUX
fsr-3434	264	28	accounted	account	VERB
fsr-3434	264	29	for	for	ADP
fsr-3434	264	30	by	by	ADP
fsr-3434	264	31	the	the	DET
fsr-3434	264	32	control	control	NOUN
fsr-3434	264	33	variables	variable	NOUN
fsr-3434	264	34	.	.	PUNCT
fsr-3434	265	1	312	312	NUM
fsr-3434	265	2	a.	a.	PROPN
fsr-3434	265	3	al	al	PROPN
fsr-3434	265	4	-	-	PUNCT
fsr-3434	265	5	bahrani	bahrani	PROPN
fsr-3434	265	6	et	et	PROPN
fsr-3434	265	7	al	al	PROPN
fsr-3434	265	8	.	.	PUNCT
fsr-3434	265	9	/	/	SYM
fsr-3434	265	10	financial	financial	ADJ
fsr-3434	265	11	services	service	NOUN
fsr-3434	265	12	review	review	VERB
fsr-3434	265	13	28	28	NUM
fsr-3434	265	14	(	(	PUNCT
fsr-3434	265	15	2020	2020	NUM
fsr-3434	265	16	)	)	PUNCT
fsr-3434	266	1	303–314	303–314	NUM
fsr-3434	266	2	7	7	NUM
fsr-3434	266	3	.	.	PUNCT
fsr-3434	266	4	conclusion	conclusion	VERB
fsr-3434	266	5	our	our	PRON
fsr-3434	266	6	research	research	NOUN
fsr-3434	266	7	examines	examine	NOUN
fsr-3434	266	8	whether	whether	SCONJ
fsr-3434	266	9	mandated	mandate	VERB
fsr-3434	266	10	financial	financial	ADJ
fsr-3434	266	11	literacy	literacy	NOUN
fsr-3434	266	12	education	education	NOUN
fsr-3434	266	13	is	be	AUX
fsr-3434	266	14	related	relate	VERB
fsr-3434	266	15	to	to	ADP
fsr-3434	266	16	financial	financial	ADJ
fsr-3434	266	17	reliance	reliance	NOUN
fsr-3434	266	18	on	on	ADP
fsr-3434	266	19	social	social	ADJ
fsr-3434	266	20	programs	program	NOUN
fsr-3434	266	21	such	such	ADJ
fsr-3434	266	22	as	as	ADP
fsr-3434	266	23	medicaid	medicaid	PROPN
fsr-3434	266	24	and	and	CCONJ
fsr-3434	266	25	snap	snap	VERB
fsr-3434	266	26	.	.	PUNCT
fsr-3434	267	1	we	we	PRON
fsr-3434	267	2	use	use	VERB
fsr-3434	267	3	the	the	DET
fsr-3434	267	4	2018	2018	NUM
fsr-3434	267	5	iteration	iteration	NOUN
fsr-3434	267	6	of	of	ADP
fsr-3434	267	7	the	the	DET
fsr-3434	267	8	nfcs	nfcs	PROPN
fsr-3434	267	9	data	datum	NOUN
fsr-3434	267	10	,	,	PUNCT
fsr-3434	267	11	which	which	PRON
fsr-3434	267	12	includes	include	VERB
fsr-3434	267	13	information	information	NOUN
fsr-3434	267	14	on	on	ADP
fsr-3434	267	15	individual	individual	ADJ
fsr-3434	267	16	social	social	ADJ
fsr-3434	267	17	program	program	NOUN
fsr-3434	267	18	participation	participation	NOUN
fsr-3434	267	19	,	,	PUNCT
fsr-3434	267	20	the	the	DET
fsr-3434	267	21	circumstances	circumstance	NOUN
fsr-3434	267	22	of	of	ADP
fsr-3434	267	23	respondents	respondent	NOUN
fsr-3434	267	24	’	'	PUNCT
fsr-3434	267	25	high	high	ADJ
fsr-3434	267	26	school	school	NOUN
fsr-3434	267	27	financial	financial	ADJ
fsr-3434	267	28	literacy	literacy	NOUN
fsr-3434	267	29	education	education	NOUN
fsr-3434	267	30	,	,	PUNCT
fsr-3434	267	31	and	and	CCONJ
fsr-3434	267	32	a	a	DET
fsr-3434	267	33	measure	measure	NOUN
fsr-3434	267	34	of	of	ADP
fsr-3434	267	35	financial	financial	ADJ
fsr-3434	267	36	literacy	literacy	NOUN
fsr-3434	267	37	via	via	ADP
fsr-3434	267	38	scoring	scoring	NOUN
fsr-3434	267	39	on	on	ADP
fsr-3434	267	40	the	the	DET
fsr-3434	267	41	big	big	ADJ
fsr-3434	267	42	five	five	NUM
fsr-3434	267	43	questions	question	NOUN
fsr-3434	267	44	.	.	PUNCT
fsr-3434	268	1	this	this	DET
fsr-3434	268	2	data	datum	NOUN
fsr-3434	268	3	also	also	ADV
fsr-3434	268	4	allows	allow	VERB
fsr-3434	268	5	us	we	PRON
fsr-3434	268	6	to	to	PART
fsr-3434	268	7	differentiate	differentiate	VERB
fsr-3434	268	8	between	between	ADP
fsr-3434	268	9	required	require	VERB
fsr-3434	268	10	financial	financial	ADJ
fsr-3434	268	11	education	education	NOUN
fsr-3434	268	12	,	,	PUNCT
fsr-3434	268	13	optional	optional	ADJ
fsr-3434	268	14	selection	selection	NOUN
fsr-3434	268	15	of	of	ADP
fsr-3434	268	16	financial	financial	ADJ
fsr-3434	268	17	education	education	NOUN
fsr-3434	268	18	,	,	PUNCT
fsr-3434	268	19	and	and	CCONJ
fsr-3434	268	20	those	those	PRON
fsr-3434	268	21	with	with	ADP
fsr-3434	268	22	no	no	DET
fsr-3434	268	23	formal	formal	ADJ
fsr-3434	268	24	financial	financial	ADJ
fsr-3434	268	25	education	education	NOUN
fsr-3434	268	26	at	at	ADP
fsr-3434	268	27	the	the	DET
fsr-3434	268	28	high	high	ADJ
fsr-3434	268	29	school	school	NOUN
fsr-3434	268	30	level	level	NOUN
fsr-3434	268	31	.	.	PUNCT
fsr-3434	269	1	we	we	PRON
fsr-3434	269	2	find	find	VERB
fsr-3434	269	3	that	that	SCONJ
fsr-3434	269	4	high	high	ADJ
fsr-3434	269	5	financial	financial	ADJ
fsr-3434	269	6	literacy	literacy	NOUN
fsr-3434	269	7	scores	score	NOUN
fsr-3434	269	8	are	be	AUX
fsr-3434	269	9	inversely	inversely	ADV
fsr-3434	269	10	related	relate	VERB
fsr-3434	269	11	to	to	ADP
fsr-3434	269	12	participation	participation	NOUN
fsr-3434	269	13	in	in	ADP
fsr-3434	269	14	social	social	ADJ
fsr-3434	269	15	programs	program	NOUN
fsr-3434	269	16	.	.	PUNCT
fsr-3434	270	1	scoring	score	VERB
fsr-3434	270	2	four	four	NUM
fsr-3434	270	3	or	or	CCONJ
fsr-3434	270	4	five	five	NUM
fsr-3434	270	5	out	out	ADP
fsr-3434	270	6	of	of	ADP
fsr-3434	270	7	five	five	NUM
fsr-3434	270	8	on	on	ADP
fsr-3434	270	9	the	the	DET
fsr-3434	270	10	big	big	ADJ
fsr-3434	270	11	five	five	NUM
fsr-3434	270	12	questions	question	NOUN
fsr-3434	270	13	is	be	AUX
fsr-3434	270	14	associated	associate	VERB
fsr-3434	270	15	with	with	ADP
fsr-3434	270	16	reduced	reduced	ADJ
fsr-3434	270	17	participation	participation	NOUN
fsr-3434	270	18	in	in	ADP
fsr-3434	270	19	social	social	ADJ
fsr-3434	270	20	programs	program	NOUN
fsr-3434	270	21	.	.	PUNCT
fsr-3434	271	1	however	however	ADV
fsr-3434	271	2	,	,	PUNCT
fsr-3434	271	3	our	our	PRON
fsr-3434	271	4	results	result	NOUN
fsr-3434	271	5	find	find	VERB
fsr-3434	271	6	no	no	DET
fsr-3434	271	7	evidence	evidence	NOUN
fsr-3434	271	8	that	that	PRON
fsr-3434	271	9	mandated	mandate	VERB
fsr-3434	271	10	financial	financial	ADJ
fsr-3434	271	11	literacy	literacy	NOUN
fsr-3434	271	12	education	education	NOUN
fsr-3434	271	13	is	be	AUX
fsr-3434	271	14	related	relate	VERB
fsr-3434	271	15	to	to	ADP
fsr-3434	271	16	reduced	reduce	VERB
fsr-3434	271	17	social	social	ADJ
fsr-3434	271	18	program	program	NOUN
fsr-3434	271	19	participation	participation	NOUN
fsr-3434	271	20	.	.	PUNCT
fsr-3434	272	1	given	give	VERB
fsr-3434	272	2	the	the	DET
fsr-3434	272	3	expectation	expectation	NOUN
fsr-3434	272	4	that	that	SCONJ
fsr-3434	272	5	financial	financial	ADJ
fsr-3434	272	6	literacy	literacy	NOUN
fsr-3434	272	7	programs	program	NOUN
fsr-3434	272	8	would	would	AUX
fsr-3434	272	9	prove	prove	VERB
fsr-3434	272	10	a	a	DET
fsr-3434	272	11	worthwhile	worthwhile	ADJ
fsr-3434	272	12	investment	investment	NOUN
fsr-3434	272	13	,	,	PUNCT
fsr-3434	272	14	we	we	PRON
fsr-3434	272	15	encourage	encourage	VERB
fsr-3434	272	16	more	more	ADJ
fsr-3434	272	17	research	research	NOUN
fsr-3434	272	18	into	into	ADP
fsr-3434	272	19	the	the	DET
fsr-3434	272	20	curriculum	curriculum	NOUN
fsr-3434	272	21	design	design	NOUN
fsr-3434	272	22	,	,	PUNCT
fsr-3434	272	23	bias	bias	NOUN
fsr-3434	272	24	,	,	PUNCT
fsr-3434	272	25	timing	timing	NOUN
fsr-3434	272	26	,	,	PUNCT
fsr-3434	272	27	scope	scope	NOUN
fsr-3434	272	28	,	,	PUNCT
fsr-3434	272	29	and	and	CCONJ
fsr-3434	272	30	delivery	delivery	NOUN
fsr-3434	272	31	method	method	NOUN
fsr-3434	272	32	of	of	ADP
fsr-3434	272	33	financial	financial	ADJ
fsr-3434	272	34	education	education	NOUN
fsr-3434	272	35	.	.	PUNCT
fsr-3434	273	1	notes	note	VERB
fsr-3434	273	2	1	1	NUM
fsr-3434	273	3	https://www.ncsl.org/research/financial-services-and-commerce/financial-literacy2018-legislation.aspx	https://www.ncsl.org/research/financial-services-and-commerce/financial-literacy2018-legislation.aspx	NOUN
fsr-3434	273	4	.	.	NOUN
fsr-3434	274	1	2	2	NUM
fsr-3434	274	2	https://www.ncsl.org/research/financial-services-and-commerce/financial-literacy2019-legislation.aspx	https://www.ncsl.org/research/financial-services-and-commerce/financial-literacy2019-legislation.aspx	NOUN
fsr-3434	274	3	.	.	NOUN
fsr-3434	274	4	3	3	NUM
fsr-3434	274	5	school	school	NOUN
fsr-3434	274	6	districts	district	NOUN
fsr-3434	274	7	may	may	AUX
fsr-3434	274	8	identify	identify	VERB
fsr-3434	274	9	their	their	PRON
fsr-3434	274	10	own	own	ADJ
fsr-3434	274	11	graduation	graduation	NOUN
fsr-3434	274	12	requirements	requirement	NOUN
fsr-3434	274	13	beyond	beyond	ADP
fsr-3434	274	14	state	state	NOUN
fsr-3434	274	15	minimums	minimum	NOUN
fsr-3434	274	16	.	.	PUNCT
fsr-3434	275	1	4	4	NUM
fsr-3434	275	2	student	student	NOUN
fsr-3434	275	3	debt	debt	NOUN
fsr-3434	275	4	composition	composition	NOUN
fsr-3434	275	5	is	be	AUX
fsr-3434	275	6	measured	measure	VERB
fsr-3434	275	7	using	use	VERB
fsr-3434	275	8	data	datum	NOUN
fsr-3434	275	9	from	from	ADP
fsr-3434	275	10	national	national	ADJ
fsr-3434	275	11	postsecondary	postsecondary	ADJ
fsr-3434	275	12	student	student	NOUN
fsr-3434	275	13	aid	aid	NOUN
fsr-3434	275	14	study	study	NOUN
fsr-3434	275	15	(	(	PUNCT
fsr-3434	275	16	npsas)—1999	npsas)—1999	PROPN
fsr-3434	275	17	,	,	PUNCT
fsr-3434	275	18	2003	2003	NUM
fsr-3434	275	19	,	,	PUNCT
fsr-3434	275	20	2007	2007	NUM
fsr-3434	275	21	,	,	PUNCT
fsr-3434	275	22	and	and	CCONJ
fsr-3434	275	23	2011	2011	NUM
fsr-3434	275	24	.	.	X
fsr-3434	276	1	5	5	NUM
fsr-3434	276	2	they	they	PRON
fsr-3434	276	3	either	either	CCONJ
fsr-3434	276	4	received	receive	VERB
fsr-3434	276	5	medicaid	medicaid	PROPN
fsr-3434	276	6	and/or	and/or	CCONJ
fsr-3434	276	7	enrolled	enrol	VERB
fsr-3434	276	8	in	in	ADP
fsr-3434	276	9	snap	snap	NOUN
fsr-3434	276	10	in	in	ADP
fsr-3434	276	11	the	the	DET
fsr-3434	276	12	prior	prior	ADJ
fsr-3434	276	13	12	12	NUM
fsr-3434	276	14	months	month	NOUN
fsr-3434	276	15	.	.	PUNCT
fsr-3434	277	1	this	this	DET
fsr-3434	277	2	data	data	NOUN
fsr-3434	277	3	is	be	AUX
fsr-3434	277	4	only	only	ADV
fsr-3434	277	5	available	available	ADJ
fsr-3434	277	6	as	as	ADP
fsr-3434	277	7	combined	combined	ADJ
fsr-3434	277	8	information	information	NOUN
fsr-3434	277	9	and	and	CCONJ
fsr-3434	277	10	,	,	PUNCT
fsr-3434	277	11	therefore	therefore	ADV
fsr-3434	277	12	,	,	PUNCT
fsr-3434	277	13	can	can	AUX
fsr-3434	277	14	not	not	PART
fsr-3434	277	15	be	be	AUX
fsr-3434	277	16	disentangled	disentangle	VERB
fsr-3434	277	17	.	.	PUNCT
fsr-3434	278	1	6	6	NUM
fsr-3434	278	2	in	in	ADP
fsr-3434	278	3	table	table	NOUN
fsr-3434	278	4	1	1	NUM
fsr-3434	278	5	we	we	PRON
fsr-3434	278	6	show	show	VERB
fsr-3434	278	7	summary	summary	NOUN
fsr-3434	278	8	statistics	statistic	NOUN
fsr-3434	278	9	for	for	ADP
fsr-3434	278	10	both	both	CCONJ
fsr-3434	278	11	the	the	DET
fsr-3434	278	12	percentage	percentage	NOUN
fsr-3434	278	13	calculation	calculation	NOUN
fsr-3434	278	14	and	and	CCONJ
fsr-3434	278	15	the	the	DET
fsr-3434	278	16	number	number	NOUN
fsr-3434	278	17	of	of	ADP
fsr-3434	278	18	correct	correct	ADJ
fsr-3434	278	19	responses	response	NOUN
fsr-3434	278	20	.	.	PUNCT
fsr-3434	279	1	7	7	NUM
fsr-3434	279	2	we	we	PRON
fsr-3434	279	3	replicate	replicate	VERB
fsr-3434	279	4	this	this	DET
fsr-3434	279	5	approach	approach	NOUN
fsr-3434	279	6	in	in	ADP
fsr-3434	279	7	regressions	regression	NOUN
fsr-3434	279	8	(	(	PUNCT
fsr-3434	279	9	1	1	NUM
fsr-3434	279	10	)	)	PUNCT
fsr-3434	279	11	and	and	CCONJ
fsr-3434	279	12	(	(	PUNCT
fsr-3434	279	13	3	3	X
fsr-3434	279	14	)	)	PUNCT
fsr-3434	279	15	in	in	ADP
fsr-3434	279	16	table	table	NOUN
fsr-3434	279	17	2	2	NUM
fsr-3434	279	18	.	.	PUNCT
fsr-3434	279	19	acknowledgment	acknowledgment	NOUN
fsr-3434	279	20	we	we	PRON
fsr-3434	279	21	are	be	AUX
fsr-3434	279	22	grateful	grateful	ADJ
fsr-3434	279	23	to	to	ADP
fsr-3434	279	24	the	the	DET
fsr-3434	279	25	institute	institute	NOUN
fsr-3434	279	26	of	of	ADP
fsr-3434	279	27	the	the	DET
fsr-3434	279	28	study	study	NOUN
fsr-3434	279	29	of	of	ADP
fsr-3434	279	30	free	free	ADJ
fsr-3434	279	31	enterprise	enterprise	NOUN
fsr-3434	279	32	(	(	PUNCT
fsr-3434	279	33	isfe	isfe	PROPN
fsr-3434	279	34	)	)	PUNCT
fsr-3434	279	35	for	for	ADP
fsr-3434	279	36	their	their	PRON
fsr-3434	279	37	support	support	NOUN
fsr-3434	279	38	of	of	ADP
fsr-3434	279	39	this	this	DET
fsr-3434	279	40	research	research	NOUN
fsr-3434	279	41	.	.	PUNCT
fsr-3434	280	1	this	this	DET
fsr-3434	280	2	research	research	NOUN
fsr-3434	280	3	received	receive	VERB
fsr-3434	280	4	a	a	DET
fsr-3434	280	5	summer	summer	NOUN
fsr-3434	280	6	research	research	NOUN
fsr-3434	280	7	grant	grant	NOUN
fsr-3434	280	8	in	in	ADP
fsr-3434	280	9	2018	2018	NUM
fsr-3434	280	10	.	.	PUNCT
fsr-3434	281	1	a	a	DET
fsr-3434	281	2	version	version	NOUN
fsr-3434	281	3	of	of	ADP
fsr-3434	281	4	this	this	DET
fsr-3434	281	5	paper	paper	NOUN
fsr-3434	281	6	is	be	AUX
fsr-3434	281	7	made	make	VERB
fsr-3434	281	8	available	available	ADJ
fsr-3434	281	9	to	to	ADP
fsr-3434	281	10	the	the	DET
fsr-3434	281	11	participants	participant	NOUN
fsr-3434	281	12	and	and	CCONJ
fsr-3434	281	13	attendees	attendee	NOUN
fsr-3434	281	14	of	of	ADP
fsr-3434	281	15	the	the	DET
fsr-3434	281	16	2019	2019	NUM
fsr-3434	281	17	isfe	isfe	NOUN
fsr-3434	281	18	summer	summer	NOUN
fsr-3434	281	19	research	research	NOUN
fsr-3434	281	20	conference	conference	NOUN
fsr-3434	281	21	.	.	PUNCT
fsr-3434	282	1	references	reference	NOUN
fsr-3434	282	2	al	al	PROPN
fsr-3434	282	3	-	-	PUNCT
fsr-3434	282	4	bahrani	bahrani	PROPN
fsr-3434	282	5	,	,	PUNCT
fsr-3434	282	6	a.	a.	NOUN
fsr-3434	282	7	,	,	PUNCT
fsr-3434	282	8	weathers	weather	NOUN
fsr-3434	282	9	,	,	PUNCT
fsr-3434	282	10	j.	j.	PROPN
fsr-3434	282	11	,	,	PUNCT
fsr-3434	282	12	&	&	CCONJ
fsr-3434	282	13	patel	patel	PROPN
fsr-3434	282	14	,	,	PUNCT
fsr-3434	282	15	d.	d.	PROPN
fsr-3434	282	16	(	(	PUNCT
fsr-3434	282	17	2019	2019	NUM
fsr-3434	282	18	)	)	PUNCT
fsr-3434	282	19	.	.	PUNCT
fsr-3434	283	1	racial	racial	ADJ
fsr-3434	283	2	differences	difference	NOUN
fsr-3434	283	3	in	in	ADP
fsr-3434	283	4	the	the	DET
fsr-3434	283	5	returns	return	NOUN
fsr-3434	283	6	to	to	ADP
fsr-3434	283	7	financial	financial	ADJ
fsr-3434	283	8	literacy	literacy	NOUN
fsr-3434	283	9	education	education	NOUN
fsr-3434	283	10	.	.	PUNCT
fsr-3434	284	1	journal	journal	NOUN
fsr-3434	284	2	of	of	ADP
fsr-3434	284	3	consumer	consumer	NOUN
fsr-3434	284	4	affairs	affair	NOUN
fsr-3434	284	5	,	,	PUNCT
fsr-3434	284	6	53	53	NUM
fsr-3434	284	7	,	,	PUNCT
fsr-3434	284	8	572–599	572–599	NUM
fsr-3434	284	9	.	.	PUNCT
fsr-3434	284	10	a.	a.	PROPN
fsr-3434	284	11	al	al	PROPN
fsr-3434	284	12	-	-	PUNCT
fsr-3434	284	13	bahrani	bahrani	PROPN
fsr-3434	284	14	et	et	PROPN
fsr-3434	284	15	al	al	PROPN
fsr-3434	284	16	.	.	PUNCT
fsr-3434	284	17	/	/	SYM
fsr-3434	284	18	financial	financial	ADJ
fsr-3434	284	19	services	service	NOUN
fsr-3434	284	20	review	review	VERB
fsr-3434	284	21	28	28	NUM
fsr-3434	284	22	(	(	PUNCT
fsr-3434	284	23	2020	2020	NUM
fsr-3434	284	24	)	)	PUNCT
fsr-3434	285	1	303–314	303–314	NUM
fsr-3434	285	2	313	313	NUM
fsr-3434	285	3	brown	brown	NOUN
fsr-3434	285	4	,	,	PUNCT
fsr-3434	285	5	a.	a.	PROPN
fsr-3434	285	6	,	,	PUNCT
fsr-3434	285	7	collins	collins	PROPN
fsr-3434	285	8	,	,	PUNCT
fsr-3434	285	9	j.	j.	PROPN
fsr-3434	285	10	m.	m.	PROPN
fsr-3434	285	11	,	,	PUNCT
fsr-3434	285	12	schmeiser	schmeiser	ADJ
fsr-3434	285	13	,	,	PUNCT
fsr-3434	285	14	m.	m.	NOUN
fsr-3434	285	15	d.	d.	PROPN
fsr-3434	285	16	,	,	PUNCT
fsr-3434	285	17	&	&	CCONJ
fsr-3434	285	18	urban	urban	PROPN
fsr-3434	285	19	,	,	PUNCT
fsr-3434	285	20	c.	c.	PROPN
fsr-3434	285	21	(	(	PUNCT
fsr-3434	285	22	2014	2014	NUM
fsr-3434	285	23	)	)	PUNCT
fsr-3434	285	24	.	.	PUNCT
fsr-3434	286	1	state	state	NOUN
fsr-3434	286	2	mandated	mandate	VERB
fsr-3434	286	3	financial	financial	ADJ
fsr-3434	286	4	education	education	NOUN
fsr-3434	286	5	and	and	CCONJ
fsr-3434	286	6	the	the	DET
fsr-3434	286	7	credit	credit	NOUN
fsr-3434	286	8	behavior	behavior	NOUN
fsr-3434	286	9	of	of	ADP
fsr-3434	286	10	young	young	ADJ
fsr-3434	286	11	adults	adult	NOUN
fsr-3434	286	12	.	.	PUNCT
fsr-3434	287	1	feds	fed	NOUN
fsr-3434	287	2	working	working	PROPN
fsr-3434	287	3	paper	paper	NOUN
fsr-3434	287	4	no	no	INTJ
fsr-3434	287	5	.	.	NOUN
fsr-3434	287	6	2014	2014	NUM
fsr-3434	287	7	-	-	SYM
fsr-3434	287	8	68	68	NUM
fsr-3434	287	9	.	.	PUNCT
fsr-3434	287	10	available	available	ADJ
fsr-3434	287	11	at	at	ADP
fsr-3434	287	12	ssrn	ssrn	NOUN
fsr-3434	287	13	:	:	PUNCT
fsr-3434	287	14	https://ssrn.com/	https://ssrn.com/	ADJ
fsr-3434	287	15	abstract=2498087	abstract=2498087	NOUN
fsr-3434	287	16	or	or	CCONJ
fsr-3434	287	17	http://dx.doi.org/	http://dx.doi.org/	PROPN
fsr-3434	287	18	chetty	chetty	PROPN
fsr-3434	287	19	,	,	PUNCT
fsr-3434	287	20	r.	r.	PROPN
fsr-3434	287	21	(	(	PUNCT
fsr-3434	287	22	2015	2015	NUM
fsr-3434	287	23	)	)	PUNCT
fsr-3434	287	24	.	.	PUNCT
fsr-3434	288	1	behavioral	behavioral	ADJ
fsr-3434	288	2	economics	economic	NOUN
fsr-3434	288	3	and	and	CCONJ
fsr-3434	288	4	public	public	ADJ
fsr-3434	288	5	policy	policy	NOUN
fsr-3434	288	6	:	:	PUNCT
fsr-3434	288	7	a	a	DET
fsr-3434	288	8	pragmatic	pragmatic	ADJ
fsr-3434	288	9	perspective	perspective	NOUN
fsr-3434	288	10	.	.	PUNCT
fsr-3434	289	1	american	american	PROPN
fsr-3434	289	2	economic	economic	PROPN
fsr-3434	289	3	review	review	PROPN
fsr-3434	289	4	,	,	PUNCT
fsr-3434	289	5	105	105	NUM
fsr-3434	289	6	,	,	PUNCT
fsr-3434	289	7	1–33	1–33	PROPN
fsr-3434	289	8	.	.	PUNCT
fsr-3434	290	1	chetty	chetty	PROPN
fsr-3434	290	2	,	,	PUNCT
fsr-3434	290	3	r.	r.	PROPN
fsr-3434	290	4	,	,	PUNCT
fsr-3434	290	5	friedman	friedman	PROPN
fsr-3434	290	6	,	,	PUNCT
fsr-3434	290	7	j.	j.	PROPN
fsr-3434	290	8	n.	n.	PROPN
fsr-3434	290	9	,	,	PUNCT
fsr-3434	290	10	&	&	CCONJ
fsr-3434	290	11	saez	saez	PROPN
fsr-3434	290	12	,	,	PUNCT
fsr-3434	290	13	e.	e.	PROPN
fsr-3434	290	14	(	(	PUNCT
fsr-3434	290	15	2013	2013	NUM
fsr-3434	290	16	)	)	PUNCT
fsr-3434	290	17	.	.	PUNCT
fsr-3434	291	1	using	use	VERB
fsr-3434	291	2	differences	difference	NOUN
fsr-3434	291	3	in	in	ADP
fsr-3434	291	4	knowledge	knowledge	NOUN
fsr-3434	291	5	across	across	ADP
fsr-3434	291	6	neighborhoods	neighborhood	NOUN
fsr-3434	291	7	to	to	PART
fsr-3434	291	8	uncover	uncover	VERB
fsr-3434	291	9	the	the	DET
fsr-3434	291	10	impacts	impact	NOUN
fsr-3434	291	11	of	of	ADP
fsr-3434	291	12	the	the	DET
fsr-3434	291	13	eitc	eitc	NOUN
fsr-3434	291	14	on	on	ADP
fsr-3434	291	15	earnings	earning	NOUN
fsr-3434	291	16	.	.	PUNCT
fsr-3434	292	1	american	american	PROPN
fsr-3434	292	2	economic	economic	PROPN
fsr-3434	292	3	review	review	PROPN
fsr-3434	292	4	,	,	PUNCT
fsr-3434	292	5	103	103	NUM
fsr-3434	292	6	,	,	PUNCT
fsr-3434	292	7	2683–2721	2683–2721	NUM
fsr-3434	292	8	.	.	PUNCT
fsr-3434	293	1	christelis	christelis	PROPN
fsr-3434	293	2	,	,	PUNCT
fsr-3434	293	3	d.	d.	PROPN
fsr-3434	293	4	,	,	PUNCT
fsr-3434	293	5	jappelli	jappelli	PROPN
fsr-3434	293	6	,	,	PUNCT
fsr-3434	293	7	t.	t.	PROPN
fsr-3434	293	8	,	,	PUNCT
fsr-3434	293	9	&	&	CCONJ
fsr-3434	293	10	padula	padula	NOUN
fsr-3434	293	11	,	,	PUNCT
fsr-3434	293	12	m.	m.	NOUN
fsr-3434	293	13	(	(	PUNCT
fsr-3434	293	14	2010	2010	NUM
fsr-3434	293	15	)	)	PUNCT
fsr-3434	293	16	.	.	PUNCT
fsr-3434	294	1	cognitive	cognitive	ADJ
fsr-3434	294	2	abilities	ability	NOUN
fsr-3434	294	3	and	and	CCONJ
fsr-3434	294	4	portfolio	portfolio	NOUN
fsr-3434	294	5	choice	choice	NOUN
fsr-3434	294	6	.	.	PUNCT
fsr-3434	295	1	european	european	ADJ
fsr-3434	295	2	economic	economic	PROPN
fsr-3434	295	3	review	review	PROPN
fsr-3434	295	4	,	,	PUNCT
fsr-3434	295	5	54	54	NUM
fsr-3434	295	6	,	,	PUNCT
fsr-3434	295	7	18–38	18–38	NUM
fsr-3434	295	8	.	.	PUNCT
fsr-3434	296	1	fernandes	fernandes	PROPN
fsr-3434	296	2	,	,	PUNCT
fsr-3434	296	3	d.	d.	PROPN
fsr-3434	296	4	,	,	PUNCT
fsr-3434	296	5	lynch	lynch	PROPN
fsr-3434	296	6	,	,	PUNCT
fsr-3434	296	7	j.	j.	PROPN
fsr-3434	296	8	g.	g.	PROPN
fsr-3434	296	9	,	,	PUNCT
fsr-3434	296	10	jr	jr	PROPN
fsr-3434	296	11	.	.	PROPN
fsr-3434	296	12	,	,	PUNCT
fsr-3434	296	13	&	&	CCONJ
fsr-3434	296	14	netemeyer	netemeyer	PROPN
fsr-3434	296	15	,	,	PUNCT
fsr-3434	296	16	r.	r.	PROPN
fsr-3434	296	17	g.	g.	PROPN
fsr-3434	296	18	(	(	PUNCT
fsr-3434	296	19	2014	2014	NUM
fsr-3434	296	20	)	)	PUNCT
fsr-3434	296	21	.	.	PUNCT
fsr-3434	297	1	financial	financial	ADJ
fsr-3434	297	2	literacy	literacy	NOUN
fsr-3434	297	3	,	,	PUNCT
fsr-3434	297	4	financial	financial	ADJ
fsr-3434	297	5	education	education	NOUN
fsr-3434	297	6	,	,	PUNCT
fsr-3434	297	7	and	and	CCONJ
fsr-3434	297	8	downstream	downstream	ADJ
fsr-3434	297	9	financial	financial	ADJ
fsr-3434	297	10	behaviors.management	behaviors.management	NOUN
fsr-3434	297	11	science	science	NOUN
fsr-3434	297	12	,	,	PUNCT
fsr-3434	297	13	60	60	NUM
fsr-3434	297	14	,	,	PUNCT
fsr-3434	297	15	1861–1883	1861–1883	NUM
fsr-3434	297	16	.	.	PUNCT
fsr-3434	298	1	hastings	hastings	PROPN
fsr-3434	298	2	,	,	PUNCT
fsr-3434	298	3	j.	j.	PROPN
fsr-3434	298	4	,	,	PUNCT
fsr-3434	298	5	&	&	CCONJ
fsr-3434	298	6	mitchell	mitchell	PROPN
fsr-3434	298	7	,	,	PUNCT
fsr-3434	298	8	o.	o.	PROPN
fsr-3434	298	9	s.	s.	PROPN
fsr-3434	298	10	(	(	PUNCT
fsr-3434	298	11	2020	2020	NUM
fsr-3434	298	12	)	)	PUNCT
fsr-3434	298	13	.	.	PUNCT
fsr-3434	299	1	how	how	SCONJ
fsr-3434	299	2	financial	financial	ADJ
fsr-3434	299	3	literacy	literacy	NOUN
fsr-3434	299	4	and	and	CCONJ
fsr-3434	299	5	impatience	impatience	NOUN
fsr-3434	299	6	shape	shape	NOUN
fsr-3434	299	7	retirement	retirement	NOUN
fsr-3434	299	8	wealth	wealth	NOUN
fsr-3434	299	9	and	and	CCONJ
fsr-3434	299	10	investment	investment	NOUN
fsr-3434	299	11	behaviors	behavior	NOUN
fsr-3434	299	12	.	.	PUNCT
fsr-3434	300	1	journal	journal	PROPN
fsr-3434	300	2	of	of	ADP
fsr-3434	300	3	pension	pension	NOUN
fsr-3434	300	4	economics	economic	NOUN
fsr-3434	300	5	&	&	CCONJ
fsr-3434	300	6	finance	finance	PROPN
fsr-3434	300	7	,	,	PUNCT
fsr-3434	300	8	19	19	NUM
fsr-3434	300	9	,	,	PUNCT
fsr-3434	300	10	1–20	1–20	PROPN
fsr-3434	300	11	.	.	PUNCT
fsr-3434	301	1	hastings	hastings	PROPN
fsr-3434	301	2	,	,	PUNCT
fsr-3434	301	3	j.	j.	PROPN
fsr-3434	301	4	,	,	PUNCT
fsr-3434	301	5	mitchell	mitchell	PROPN
fsr-3434	301	6	,	,	PUNCT
fsr-3434	301	7	o.	o.	PROPN
fsr-3434	301	8	s.	s.	PROPN
fsr-3434	301	9	,	,	PUNCT
fsr-3434	301	10	&	&	CCONJ
fsr-3434	301	11	chyn	chyn	PROPN
fsr-3434	301	12	,	,	PUNCT
fsr-3434	301	13	e.	e.	PROPN
fsr-3434	301	14	(	(	PUNCT
fsr-3434	301	15	2011	2011	NUM
fsr-3434	301	16	)	)	PUNCT
fsr-3434	301	17	.	.	PUNCT
fsr-3434	302	1	fees	fee	NOUN
fsr-3434	302	2	,	,	PUNCT
fsr-3434	302	3	framing	framing	NOUN
fsr-3434	302	4	,	,	PUNCT
fsr-3434	302	5	and	and	CCONJ
fsr-3434	302	6	financial	financial	ADJ
fsr-3434	302	7	literacy	literacy	NOUN
fsr-3434	302	8	in	in	ADP
fsr-3434	302	9	the	the	DET
fsr-3434	302	10	choice	choice	NOUN
fsr-3434	302	11	of	of	ADP
fsr-3434	302	12	pension	pension	NOUN
fsr-3434	302	13	manager	manager	NOUN
fsr-3434	302	14	.	.	PUNCT
fsr-3434	303	1	in	in	ADP
fsr-3434	303	2	o.	o.	PROPN
fsr-3434	303	3	s.	s.	PROPN
fsr-3434	303	4	mitchell	mitchell	PROPN
fsr-3434	303	5	&	&	CCONJ
fsr-3434	303	6	a.	a.	PROPN
fsr-3434	303	7	lusardi	lusardi	PROPN
fsr-3434	303	8	(	(	PUNCT
fsr-3434	303	9	eds	ed	NOUN
fsr-3434	303	10	.	.	PUNCT
fsr-3434	303	11	)	)	PUNCT
fsr-3434	303	12	,	,	PUNCT
fsr-3434	303	13	financial	financial	ADJ
fsr-3434	303	14	literacy	literacy	NOUN
fsr-3434	303	15	:	:	PUNCT
fsr-3434	303	16	implications	implication	NOUN
fsr-3434	303	17	for	for	ADP
fsr-3434	303	18	retirement	retirement	NOUN
fsr-3434	303	19	security	security	NOUN
fsr-3434	303	20	and	and	CCONJ
fsr-3434	303	21	the	the	DET
fsr-3434	303	22	financial	financial	ADJ
fsr-3434	303	23	marketplace	marketplace	NOUN
fsr-3434	303	24	(	(	PUNCT
fsr-3434	303	25	pp	pp	ADJ
fsr-3434	303	26	.	.	PUNCT
fsr-3434	304	1	101–115	101–115	NUM
fsr-3434	304	2	)	)	PUNCT
fsr-3434	304	3	.	.	PUNCT
fsr-3434	305	1	oxford	oxford	NOUN
fsr-3434	305	2	:	:	PUNCT
fsr-3434	305	3	oxford	oxford	PROPN
fsr-3434	305	4	university	university	PROPN
fsr-3434	305	5	press	press	NOUN
fsr-3434	305	6	.	.	PUNCT
fsr-3434	306	1	hastings	hastings	PROPN
fsr-3434	306	2	,	,	PUNCT
fsr-3434	306	3	j.	j.	PROPN
fsr-3434	306	4	s.	s.	PROPN
fsr-3434	306	5	,	,	PUNCT
fsr-3434	306	6	&	&	CCONJ
fsr-3434	306	7	tejeda	tejeda	PROPN
fsr-3434	306	8	-	-	PUNCT
fsr-3434	306	9	ashton	ashton	PROPN
fsr-3434	306	10	,	,	PUNCT
fsr-3434	306	11	l.	l.	PROPN
fsr-3434	306	12	(	(	PUNCT
fsr-3434	306	13	2008	2008	NUM
fsr-3434	306	14	)	)	PUNCT
fsr-3434	306	15	.	.	PUNCT
fsr-3434	307	1	financial	financial	ADJ
fsr-3434	307	2	literacy	literacy	NOUN
fsr-3434	307	3	,	,	PUNCT
fsr-3434	307	4	information	information	NOUN
fsr-3434	307	5	,	,	PUNCT
fsr-3434	307	6	and	and	CCONJ
fsr-3434	307	7	demand	demand	NOUN
fsr-3434	307	8	elasticity	elasticity	NOUN
fsr-3434	307	9	:	:	PUNCT
fsr-3434	307	10	survey	survey	NOUN
fsr-3434	307	11	and	and	CCONJ
fsr-3434	307	12	experimental	experimental	ADJ
fsr-3434	307	13	evidence	evidence	NOUN
fsr-3434	307	14	from	from	ADP
fsr-3434	307	15	mexico	mexico	PROPN
fsr-3434	307	16	(	(	PUNCT
fsr-3434	307	17	nber	nber	PROPN
fsr-3434	307	18	working	working	PROPN
fsr-3434	307	19	papers	paper	NOUN
fsr-3434	307	20	14538	14538	NUM
fsr-3434	307	21	)	)	PUNCT
fsr-3434	307	22	.	.	PUNCT
fsr-3434	308	1	national	national	PROPN
fsr-3434	308	2	bureau	bureau	PROPN
fsr-3434	308	3	of	of	ADP
fsr-3434	308	4	economic	economic	ADJ
fsr-3434	308	5	research	research	NOUN
fsr-3434	308	6	.	.	PUNCT
fsr-3434	309	1	harvey	harvey	NOUN
fsr-3434	309	2	,	,	PUNCT
fsr-3434	309	3	m.	m.	NOUN
fsr-3434	309	4	(	(	PUNCT
fsr-3434	309	5	2019	2019	NUM
fsr-3434	309	6	)	)	PUNCT
fsr-3434	309	7	.	.	PUNCT
fsr-3434	310	1	impact	impact	NOUN
fsr-3434	310	2	of	of	ADP
fsr-3434	310	3	financial	financial	ADJ
fsr-3434	310	4	education	education	NOUN
fsr-3434	310	5	mandates	mandate	NOUN
fsr-3434	310	6	on	on	ADP
fsr-3434	310	7	younger	young	ADJ
fsr-3434	310	8	consumers	consumer	NOUN
fsr-3434	310	9	’	'	PUNCT
fsr-3434	310	10	use	use	NOUN
fsr-3434	310	11	of	of	ADP
fsr-3434	310	12	alternative	alternative	ADJ
fsr-3434	310	13	financial	financial	ADJ
fsr-3434	310	14	services	service	NOUN
fsr-3434	310	15	.	.	PUNCT
fsr-3434	311	1	journal	journal	NOUN
fsr-3434	311	2	of	of	ADP
fsr-3434	311	3	consumer	consumer	NOUN
fsr-3434	311	4	affairs	affair	NOUN
fsr-3434	311	5	,	,	PUNCT
fsr-3434	311	6	53	53	NUM
fsr-3434	311	7	,	,	PUNCT
fsr-3434	311	8	731–769	731–769	NUM
fsr-3434	311	9	.	.	PUNCT
fsr-3434	312	1	kaiser	kaiser	PROPN
fsr-3434	312	2	,	,	PUNCT
fsr-3434	312	3	t.	t.	PROPN
fsr-3434	312	4	,	,	PUNCT
fsr-3434	312	5	lusardi	lusardi	PROPN
fsr-3434	312	6	,	,	PUNCT
fsr-3434	312	7	a.	a.	NOUN
fsr-3434	312	8	,	,	PUNCT
fsr-3434	312	9	menkhoff	menkhoff	PROPN
fsr-3434	312	10	,	,	PUNCT
fsr-3434	312	11	l.	l.	PROPN
fsr-3434	312	12	,	,	PUNCT
fsr-3434	312	13	&	&	CCONJ
fsr-3434	312	14	urban	urban	PROPN
fsr-3434	312	15	,	,	PUNCT
fsr-3434	312	16	c.	c.	PROPN
fsr-3434	312	17	j.	j.	PROPN
fsr-3434	312	18	(	(	PUNCT
fsr-3434	312	19	2020	2020	NUM
fsr-3434	312	20	)	)	PUNCT
fsr-3434	312	21	.	.	PUNCT
fsr-3434	313	1	financial	financial	ADJ
fsr-3434	313	2	education	education	NOUN
fsr-3434	313	3	affects	affect	VERB
fsr-3434	313	4	financial	financial	ADJ
fsr-3434	313	5	knowledge	knowledge	NOUN
fsr-3434	313	6	and	and	CCONJ
fsr-3434	313	7	downstream	downstream	ADJ
fsr-3434	313	8	behaviors	behavior	NOUN
fsr-3434	313	9	(	(	PUNCT
fsr-3434	313	10	nber	nber	PROPN
fsr-3434	313	11	working	working	NOUN
fsr-3434	313	12	papers	paper	NOUN
fsr-3434	313	13	27057	27057	NUM
fsr-3434	313	14	)	)	PUNCT
fsr-3434	313	15	.	.	PUNCT
fsr-3434	314	1	national	national	PROPN
fsr-3434	314	2	bureau	bureau	PROPN
fsr-3434	314	3	of	of	ADP
fsr-3434	314	4	economic	economic	ADJ
fsr-3434	314	5	research	research	NOUN
fsr-3434	314	6	.	.	PUNCT
fsr-3434	315	1	kaiser	kaiser	NOUN
fsr-3434	315	2	,	,	PUNCT
fsr-3434	315	3	t.	t.	PROPN
fsr-3434	315	4	,	,	PUNCT
fsr-3434	315	5	&	&	CCONJ
fsr-3434	315	6	menkhoff	menkhoff	PROPN
fsr-3434	315	7	,	,	PUNCT
fsr-3434	315	8	l.	l.	PROPN
fsr-3434	315	9	(	(	PUNCT
fsr-3434	315	10	2017	2017	NUM
fsr-3434	315	11	)	)	PUNCT
fsr-3434	315	12	.	.	PUNCT
fsr-3434	316	1	does	do	VERB
fsr-3434	316	2	financial	financial	ADJ
fsr-3434	316	3	education	education	NOUN
fsr-3434	316	4	impact	impact	NOUN
fsr-3434	316	5	financial	financial	ADJ
fsr-3434	316	6	literacy	literacy	NOUN
fsr-3434	316	7	and	and	CCONJ
fsr-3434	316	8	financial	financial	ADJ
fsr-3434	316	9	behavior	behavior	NOUN
fsr-3434	316	10	,	,	PUNCT
fsr-3434	316	11	and	and	CCONJ
fsr-3434	316	12	if	if	SCONJ
fsr-3434	316	13	so	so	ADV
fsr-3434	316	14	,	,	PUNCT
fsr-3434	316	15	when	when	SCONJ
fsr-3434	316	16	?	?	PUNCT
fsr-3434	317	1	the	the	DET
fsr-3434	317	2	world	world	PROPN
fsr-3434	317	3	bank	bank	PROPN
fsr-3434	317	4	economic	economic	PROPN
fsr-3434	317	5	review	review	PROPN
fsr-3434	317	6	,	,	PUNCT
fsr-3434	317	7	31	31	NUM
fsr-3434	317	8	,	,	PUNCT
fsr-3434	317	9	611–630	611–630	NUM
fsr-3434	317	10	.	.	PUNCT
fsr-3434	318	1	lusardi	lusardi	PROPN
fsr-3434	318	2	,	,	PUNCT
fsr-3434	318	3	a.	a.	NOUN
fsr-3434	318	4	(	(	PUNCT
fsr-3434	318	5	1999	1999	NUM
fsr-3434	318	6	)	)	PUNCT
fsr-3434	318	7	.	.	PUNCT
fsr-3434	319	1	information	information	NOUN
fsr-3434	319	2	,	,	PUNCT
fsr-3434	319	3	expectations	expectation	NOUN
fsr-3434	319	4	,	,	PUNCT
fsr-3434	319	5	and	and	CCONJ
fsr-3434	319	6	savings	saving	NOUN
fsr-3434	319	7	for	for	ADP
fsr-3434	319	8	retirement	retirement	NOUN
fsr-3434	319	9	.	.	PUNCT
fsr-3434	320	1	in	in	ADP
fsr-3434	320	2	h.	h.	PROPN
fsr-3434	320	3	aaron	aaron	PROPN
fsr-3434	320	4	(	(	PUNCT
fsr-3434	320	5	ed	ed	NOUN
fsr-3434	320	6	.	.	PUNCT
fsr-3434	320	7	)	)	PUNCT
fsr-3434	320	8	,	,	PUNCT
fsr-3434	320	9	behavioral	behavioral	ADJ
fsr-3434	320	10	dimensions	dimension	NOUN
fsr-3434	320	11	of	of	ADP
fsr-3434	320	12	retirement	retirement	NOUN
fsr-3434	320	13	economics	economic	NOUN
fsr-3434	320	14	(	(	PUNCT
fsr-3434	320	15	pp	pp	ADJ
fsr-3434	320	16	.	.	PUNCT
fsr-3434	321	1	81–115	81–115	NUM
fsr-3434	321	2	)	)	PUNCT
fsr-3434	321	3	.	.	PUNCT
fsr-3434	322	1	washington	washington	PROPN
fsr-3434	322	2	,	,	PUNCT
fsr-3434	322	3	dc	dc	PROPN
fsr-3434	322	4	:	:	PUNCT
fsr-3434	322	5	brookings	brookings	PROPN
fsr-3434	322	6	institution	institution	PROPN
fsr-3434	322	7	press	press	PROPN
fsr-3434	322	8	and	and	CCONJ
fsr-3434	322	9	russell	russell	PROPN
fsr-3434	322	10	sage	sage	PROPN
fsr-3434	322	11	foundation	foundation	PROPN
fsr-3434	322	12	.	.	PUNCT
fsr-3434	323	1	lusardi	lusardi	PROPN
fsr-3434	323	2	,	,	PUNCT
fsr-3434	323	3	a.	a.	NOUN
fsr-3434	323	4	(	(	PUNCT
fsr-3434	323	5	2008	2008	NUM
fsr-3434	323	6	)	)	PUNCT
fsr-3434	323	7	.	.	PUNCT
fsr-3434	324	1	household	household	NOUN
fsr-3434	324	2	saving	saving	NOUN
fsr-3434	324	3	behavior	behavior	NOUN
fsr-3434	324	4	:	:	PUNCT
fsr-3434	324	5	the	the	DET
fsr-3434	324	6	role	role	NOUN
fsr-3434	324	7	of	of	ADP
fsr-3434	324	8	financial	financial	ADJ
fsr-3434	324	9	literacy	literacy	NOUN
fsr-3434	324	10	,	,	PUNCT
fsr-3434	324	11	information	information	NOUN
fsr-3434	324	12	,	,	PUNCT
fsr-3434	324	13	and	and	CCONJ
fsr-3434	324	14	financial	financial	ADJ
fsr-3434	324	15	education	education	NOUN
fsr-3434	324	16	programs	program	NOUN
fsr-3434	324	17	(	(	PUNCT
fsr-3434	324	18	nber	nber	PROPN
fsr-3434	324	19	working	working	PROPN
fsr-3434	324	20	papers	paper	NOUN
fsr-3434	324	21	13824	13824	NUM
fsr-3434	324	22	)	)	PUNCT
fsr-3434	324	23	.	.	PUNCT
fsr-3434	325	1	national	national	PROPN
fsr-3434	325	2	bureau	bureau	PROPN
fsr-3434	325	3	of	of	ADP
fsr-3434	325	4	economic	economic	ADJ
fsr-3434	325	5	research	research	NOUN
fsr-3434	325	6	.	.	PUNCT
fsr-3434	326	1	lusardi	lusardi	PROPN
fsr-3434	326	2	,	,	PUNCT
fsr-3434	326	3	a.	a.	NOUN
fsr-3434	326	4	(	(	PUNCT
fsr-3434	326	5	2019	2019	NUM
fsr-3434	326	6	)	)	PUNCT
fsr-3434	326	7	.	.	PUNCT
fsr-3434	327	1	financial	financial	ADJ
fsr-3434	327	2	literacy	literacy	NOUN
fsr-3434	327	3	and	and	CCONJ
fsr-3434	327	4	the	the	DET
fsr-3434	327	5	need	need	NOUN
fsr-3434	327	6	for	for	ADP
fsr-3434	327	7	financial	financial	ADJ
fsr-3434	327	8	education	education	NOUN
fsr-3434	327	9	:	:	PUNCT
fsr-3434	327	10	evidence	evidence	NOUN
fsr-3434	327	11	and	and	CCONJ
fsr-3434	327	12	implications	implication	NOUN
fsr-3434	327	13	.	.	PUNCT
fsr-3434	328	1	swiss	swiss	ADJ
fsr-3434	328	2	journal	journal	PROPN
fsr-3434	328	3	of	of	ADP
fsr-3434	328	4	economics	economic	NOUN
fsr-3434	328	5	and	and	CCONJ
fsr-3434	328	6	statistics	statistic	NOUN
fsr-3434	328	7	,	,	PUNCT
fsr-3434	328	8	155	155	NUM
fsr-3434	328	9	,	,	PUNCT
fsr-3434	328	10	1	1	NUM
fsr-3434	328	11	.	.	X
fsr-3434	328	12	lusardi	lusardi	PROPN
fsr-3434	328	13	,	,	PUNCT
fsr-3434	328	14	a.	a.	PROPN
fsr-3434	328	15	,	,	PUNCT
fsr-3434	328	16	michaud	michaud	PROPN
fsr-3434	328	17	,	,	PUNCT
fsr-3434	328	18	p.	p.	PROPN
fsr-3434	328	19	c.	c.	PROPN
fsr-3434	328	20	,	,	PUNCT
fsr-3434	328	21	&	&	CCONJ
fsr-3434	328	22	mitchell	mitchell	PROPN
fsr-3434	328	23	,	,	PUNCT
fsr-3434	328	24	o.	o.	PROPN
fsr-3434	328	25	s.	s.	PROPN
fsr-3434	328	26	(	(	PUNCT
fsr-3434	328	27	2017	2017	NUM
fsr-3434	328	28	)	)	PUNCT
fsr-3434	328	29	.	.	PUNCT
fsr-3434	329	1	optimal	optimal	ADJ
fsr-3434	329	2	financial	financial	ADJ
fsr-3434	329	3	knowledge	knowledge	NOUN
fsr-3434	329	4	and	and	CCONJ
fsr-3434	329	5	wealth	wealth	NOUN
fsr-3434	329	6	inequality	inequality	NOUN
fsr-3434	329	7	.	.	PUNCT
fsr-3434	330	1	the	the	DET
fsr-3434	330	2	journal	journal	NOUN
fsr-3434	330	3	of	of	ADP
fsr-3434	330	4	political	political	ADJ
fsr-3434	330	5	economy	economy	NOUN
fsr-3434	330	6	,	,	PUNCT
fsr-3434	330	7	125	125	NUM
fsr-3434	330	8	,	,	PUNCT
fsr-3434	330	9	431–477	431–477	NUM
fsr-3434	330	10	.	.	PUNCT
fsr-3434	331	1	lusardi	lusardi	PROPN
fsr-3434	331	2	,	,	PUNCT
fsr-3434	331	3	a.	a.	PROPN
fsr-3434	331	4	,	,	PUNCT
fsr-3434	331	5	&	&	CCONJ
fsr-3434	331	6	mitchell	mitchell	PROPN
fsr-3434	331	7	,	,	PUNCT
fsr-3434	331	8	o.	o.	PROPN
fsr-3434	331	9	s.	s.	PROPN
fsr-3434	331	10	(	(	PUNCT
fsr-3434	331	11	2011b	2011b	NUM
fsr-3434	331	12	)	)	PUNCT
fsr-3434	331	13	.	.	PUNCT
fsr-3434	332	1	financial	financial	ADJ
fsr-3434	332	2	literacy	literacy	NOUN
fsr-3434	332	3	and	and	CCONJ
fsr-3434	332	4	planning	planning	NOUN
fsr-3434	332	5	:	:	PUNCT
fsr-3434	332	6	implications	implication	NOUN
fsr-3434	332	7	for	for	ADP
fsr-3434	332	8	retirement	retirement	NOUN
fsr-3434	332	9	wellbeing	wellbee	VERB
fsr-3434	332	10	(	(	PUNCT
fsr-3434	332	11	nber	nber	PROPN
fsr-3434	332	12	working	work	VERB
fsr-3434	332	13	papers	paper	NOUN
fsr-3434	332	14	17078	17078	NUM
fsr-3434	332	15	)	)	PUNCT
fsr-3434	332	16	.	.	PUNCT
fsr-3434	333	1	national	national	PROPN
fsr-3434	333	2	bureau	bureau	PROPN
fsr-3434	333	3	of	of	ADP
fsr-3434	333	4	economic	economic	ADJ
fsr-3434	333	5	research	research	NOUN
fsr-3434	333	6	.	.	PUNCT
fsr-3434	334	1	lusardi	lusardi	PROPN
fsr-3434	334	2	,	,	PUNCT
fsr-3434	334	3	a.	a.	PROPN
fsr-3434	334	4	,	,	PUNCT
fsr-3434	334	5	&	&	CCONJ
fsr-3434	334	6	tufano	tufano	ADJ
fsr-3434	334	7	,	,	PUNCT
fsr-3434	334	8	p.	p.	NOUN
fsr-3434	334	9	(	(	PUNCT
fsr-3434	334	10	2015	2015	NUM
fsr-3434	334	11	)	)	PUNCT
fsr-3434	334	12	.	.	PUNCT
fsr-3434	335	1	debt	debt	NOUN
fsr-3434	335	2	literacy	literacy	NOUN
fsr-3434	335	3	,	,	PUNCT
fsr-3434	335	4	financial	financial	ADJ
fsr-3434	335	5	experiences	experience	NOUN
fsr-3434	335	6	,	,	PUNCT
fsr-3434	335	7	and	and	CCONJ
fsr-3434	335	8	overindebtedness	overindebtedness	NOUN
fsr-3434	335	9	.	.	PUNCT
fsr-3434	336	1	journal	journal	NOUN
fsr-3434	336	2	of	of	ADP
fsr-3434	336	3	pension	pension	NOUN
fsr-3434	336	4	economics	economic	NOUN
fsr-3434	336	5	&	&	CCONJ
fsr-3434	336	6	finance	finance	PROPN
fsr-3434	336	7	,	,	PUNCT
fsr-3434	336	8	14	14	NUM
fsr-3434	336	9	,	,	PUNCT
fsr-3434	336	10	332–368	332–368	NUM
fsr-3434	336	11	.	.	PUNCT
fsr-3434	337	1	miller	miller	PROPN
fsr-3434	337	2	,	,	PUNCT
fsr-3434	337	3	m.	m.	NOUN
fsr-3434	337	4	,	,	PUNCT
fsr-3434	337	5	reichelstein	reichelstein	PROPN
fsr-3434	337	6	,	,	PUNCT
fsr-3434	337	7	j.	j.	PROPN
fsr-3434	337	8	,	,	PUNCT
fsr-3434	337	9	salas	salas	PROPN
fsr-3434	337	10	,	,	PUNCT
fsr-3434	337	11	c.	c.	PROPN
fsr-3434	337	12	,	,	PUNCT
fsr-3434	337	13	&	&	CCONJ
fsr-3434	337	14	zia	zia	PROPN
fsr-3434	337	15	,	,	PUNCT
fsr-3434	337	16	b.	b.	PROPN
fsr-3434	337	17	(	(	PUNCT
fsr-3434	337	18	2015	2015	NUM
fsr-3434	337	19	)	)	PUNCT
fsr-3434	337	20	.	.	PUNCT
fsr-3434	338	1	can	can	AUX
fsr-3434	338	2	you	you	PRON
fsr-3434	338	3	help	help	VERB
fsr-3434	338	4	someone	someone	PRON
fsr-3434	338	5	become	become	VERB
fsr-3434	338	6	financially	financially	ADV
fsr-3434	338	7	capable	capable	ADJ
fsr-3434	338	8	?	?	PUNCT
fsr-3434	339	1	a	a	DET
fsr-3434	339	2	meta	meta	ADJ
fsr-3434	339	3	-	-	PUNCT
fsr-3434	339	4	analysis	analysis	NOUN
fsr-3434	339	5	of	of	ADP
fsr-3434	339	6	the	the	DET
fsr-3434	339	7	literature	literature	NOUN
fsr-3434	339	8	.	.	PUNCT
fsr-3434	340	1	the	the	DET
fsr-3434	340	2	world	world	PROPN
fsr-3434	340	3	bank	bank	PROPN
fsr-3434	340	4	research	research	PROPN
fsr-3434	340	5	observer	observer	PROPN
fsr-3434	340	6	,	,	PUNCT
fsr-3434	340	7	30	30	NUM
fsr-3434	340	8	,	,	PUNCT
fsr-3434	340	9	220–246	220–246	NUM
fsr-3434	340	10	.	.	PUNCT
fsr-3434	340	11	shadish	shadish	PROPN
fsr-3434	340	12	,	,	PUNCT
fsr-3434	340	13	w.	w.	PROPN
fsr-3434	340	14	r.	r.	PROPN
fsr-3434	340	15	,	,	PUNCT
fsr-3434	340	16	cook	cook	VERB
fsr-3434	340	17	,	,	PUNCT
fsr-3434	340	18	t.	t.	PROPN
fsr-3434	340	19	d.	d.	PROPN
fsr-3434	340	20	,	,	PUNCT
fsr-3434	340	21	&	&	CCONJ
fsr-3434	340	22	campbell	campbell	PROPN
fsr-3434	340	23	,	,	PUNCT
fsr-3434	340	24	d.	d.	PROPN
fsr-3434	340	25	t.	t.	PROPN
fsr-3434	340	26	(	(	PUNCT
fsr-3434	340	27	2002	2002	NUM
fsr-3434	340	28	)	)	PUNCT
fsr-3434	340	29	.	.	PUNCT
fsr-3434	341	1	experimental	experimental	ADJ
fsr-3434	341	2	and	and	CCONJ
fsr-3434	341	3	quasi	quasi	ADJ
fsr-3434	341	4	-	-	ADJ
fsr-3434	341	5	experimental	experimental	ADJ
fsr-3434	341	6	designs	design	NOUN
fsr-3434	341	7	for	for	ADP
fsr-3434	341	8	generalized	generalized	ADJ
fsr-3434	341	9	causal	causal	ADJ
fsr-3434	341	10	inference	inference	NOUN
fsr-3434	341	11	.	.	PUNCT
fsr-3434	342	1	boston	boston	PROPN
fsr-3434	342	2	,	,	PUNCT
fsr-3434	342	3	ma	ma	PROPN
fsr-3434	342	4	:	:	PUNCT
fsr-3434	342	5	houghton	houghton	PROPN
fsr-3434	342	6	-	-	PUNCT
fsr-3434	342	7	mifflin	mifflin	PROPN
fsr-3434	342	8	stoddard	stoddard	PROPN
fsr-3434	342	9	,	,	PUNCT
fsr-3434	342	10	c.	c.	PROPN
fsr-3434	342	11	,	,	PUNCT
fsr-3434	342	12	&	&	CCONJ
fsr-3434	342	13	urban	urban	PROPN
fsr-3434	342	14	,	,	PUNCT
fsr-3434	342	15	c.	c.	PROPN
fsr-3434	342	16	(	(	PUNCT
fsr-3434	342	17	2020	2020	NUM
fsr-3434	342	18	)	)	PUNCT
fsr-3434	342	19	.	.	PUNCT
fsr-3434	343	1	the	the	DET
fsr-3434	343	2	effects	effect	NOUN
fsr-3434	343	3	of	of	ADP
fsr-3434	343	4	state	state	NOUN
fsr-3434	343	5	-	-	PUNCT
fsr-3434	343	6	mandated	mandate	VERB
fsr-3434	343	7	financial	financial	ADJ
fsr-3434	343	8	education	education	NOUN
fsr-3434	343	9	on	on	ADP
fsr-3434	343	10	college	college	NOUN
fsr-3434	343	11	financing	financing	NOUN
fsr-3434	343	12	behaviors	behavior	NOUN
fsr-3434	343	13	.	.	PUNCT
fsr-3434	344	1	journal	journal	NOUN
fsr-3434	344	2	of	of	ADP
fsr-3434	344	3	money	money	NOUN
fsr-3434	344	4	,	,	PUNCT
fsr-3434	344	5	credit	credit	NOUN
fsr-3434	344	6	and	and	CCONJ
fsr-3434	344	7	banking	banking	NOUN
fsr-3434	344	8	,	,	PUNCT
fsr-3434	344	9	52	52	NUM
fsr-3434	344	10	,	,	PUNCT
fsr-3434	344	11	747–776	747–776	NUM
fsr-3434	344	12	.	.	PUNCT
fsr-3434	345	1	wagner	wagner	PROPN
fsr-3434	345	2	,	,	PUNCT
fsr-3434	345	3	j.	j.	PROPN
fsr-3434	345	4	,	,	PUNCT
fsr-3434	345	5	&	&	CCONJ
fsr-3434	345	6	walstad	walstad	PROPN
fsr-3434	345	7	,	,	PUNCT
fsr-3434	345	8	w.	w.	PROPN
fsr-3434	345	9	b.	b.	PROPN
fsr-3434	345	10	(	(	PUNCT
fsr-3434	345	11	2019	2019	NUM
fsr-3434	345	12	)	)	PUNCT
fsr-3434	345	13	.	.	PUNCT
fsr-3434	346	1	the	the	DET
fsr-3434	346	2	effects	effect	NOUN
fsr-3434	346	3	of	of	ADP
fsr-3434	346	4	financial	financial	ADJ
fsr-3434	346	5	education	education	NOUN
fsr-3434	346	6	on	on	ADP
fsr-3434	346	7	short	short	ADJ
fsr-3434	346	8	-	-	PUNCT
fsr-3434	346	9	term	term	NOUN
fsr-3434	346	10	and	and	CCONJ
fsr-3434	346	11	long	long	ADJ
fsr-3434	346	12	-	-	PUNCT
fsr-3434	346	13	term	term	NOUN
fsr-3434	346	14	financial	financial	ADJ
fsr-3434	346	15	behaviors	behavior	NOUN
fsr-3434	346	16	.	.	PUNCT
fsr-3434	347	1	journal	journal	NOUN
fsr-3434	347	2	of	of	ADP
fsr-3434	347	3	consumer	consumer	NOUN
fsr-3434	347	4	affairs	affair	NOUN
fsr-3434	347	5	,	,	PUNCT
fsr-3434	347	6	53	53	NUM
fsr-3434	347	7	,	,	PUNCT
fsr-3434	347	8	234–259	234–259	NUM
fsr-3434	347	9	.	.	PUNCT
fsr-3434	348	1	van	van	PROPN
fsr-3434	348	2	rooij	rooij	NOUN
fsr-3434	348	3	,	,	PUNCT
fsr-3434	348	4	m.	m.	NOUN
fsr-3434	348	5	,	,	PUNCT
fsr-3434	348	6	lusardi	lusardi	PROPN
fsr-3434	348	7	,	,	PUNCT
fsr-3434	348	8	a.	a.	NOUN
fsr-3434	348	9	,	,	PUNCT
fsr-3434	348	10	&	&	CCONJ
fsr-3434	348	11	alessie	alessie	PROPN
fsr-3434	348	12	,	,	PUNCT
fsr-3434	348	13	r.	r.	PROPN
fsr-3434	348	14	(	(	PUNCT
fsr-3434	348	15	2011	2011	NUM
fsr-3434	348	16	)	)	PUNCT
fsr-3434	348	17	.	.	PUNCT
fsr-3434	349	1	financial	financial	ADJ
fsr-3434	349	2	literacy	literacy	NOUN
fsr-3434	349	3	and	and	CCONJ
fsr-3434	349	4	stock	stock	NOUN
fsr-3434	349	5	market	market	NOUN
fsr-3434	349	6	participation	participation	NOUN
fsr-3434	349	7	.	.	PUNCT
fsr-3434	350	1	journal	journal	NOUN
fsr-3434	350	2	of	of	ADP
fsr-3434	350	3	financial	financial	ADJ
fsr-3434	350	4	economics	economic	NOUN
fsr-3434	350	5	,	,	PUNCT
fsr-3434	350	6	101	101	NUM
fsr-3434	350	7	,	,	PUNCT
fsr-3434	350	8	449–472	449–472	NUM
fsr-3434	350	9	.	.	PUNCT
fsr-3434	351	1	zhan	zhan	PROPN
fsr-3434	351	2	,	,	PUNCT
fsr-3434	351	3	m.	m.	NOUN
fsr-3434	351	4	,	,	PUNCT
fsr-3434	351	5	anderson	anderson	PROPN
fsr-3434	351	6	,	,	PUNCT
fsr-3434	351	7	s.	s.	PROPN
fsr-3434	351	8	g.	g.	PROPN
fsr-3434	351	9	,	,	PUNCT
fsr-3434	351	10	&	&	CCONJ
fsr-3434	351	11	scott	scott	PROPN
fsr-3434	351	12	,	,	PUNCT
fsr-3434	351	13	j.	j.	PROPN
fsr-3434	351	14	(	(	PUNCT
fsr-3434	351	15	2006	2006	NUM
fsr-3434	351	16	)	)	PUNCT
fsr-3434	351	17	.	.	PUNCT
fsr-3434	352	1	financial	financial	ADJ
fsr-3434	352	2	knowledge	knowledge	NOUN
fsr-3434	352	3	of	of	ADP
fsr-3434	352	4	the	the	DET
fsr-3434	352	5	low	low	ADJ
fsr-3434	352	6	-	-	PUNCT
fsr-3434	352	7	income	income	NOUN
fsr-3434	352	8	population	population	NOUN
fsr-3434	352	9	:	:	PUNCT
fsr-3434	352	10	effects	effect	NOUN
fsr-3434	352	11	of	of	ADP
fsr-3434	352	12	a	a	DET
fsr-3434	352	13	financial	financial	ADJ
fsr-3434	352	14	education	education	NOUN
fsr-3434	352	15	program	program	NOUN
fsr-3434	352	16	.	.	PUNCT
fsr-3434	353	1	journal	journal	PROPN
fsr-3434	353	2	of	of	ADP
fsr-3434	353	3	sociology	sociology	NOUN
fsr-3434	353	4	&	&	CCONJ
fsr-3434	353	5	social	social	ADJ
fsr-3434	353	6	welfare	welfare	NOUN
fsr-3434	353	7	,	,	PUNCT
fsr-3434	353	8	33	33	NUM
fsr-3434	353	9	,	,	PUNCT
fsr-3434	353	10	53	53	NUM
fsr-3434	353	11	.	.	NOUN
fsr-3434	353	12	314	314	NUM
fsr-3434	353	13	a.	a.	NOUN
fsr-3434	353	14	al	al	PROPN
fsr-3434	353	15	-	-	PUNCT
fsr-3434	353	16	bahrani	bahrani	PROPN
fsr-3434	353	17	et	et	PROPN
fsr-3434	353	18	al	al	PROPN
fsr-3434	353	19	.	.	PUNCT
fsr-3434	353	20	/	/	SYM
fsr-3434	353	21	financial	financial	ADJ
fsr-3434	353	22	services	service	NOUN
fsr-3434	353	23	review	review	VERB
fsr-3434	353	24	28	28	NUM
fsr-3434	353	25	(	(	PUNCT
fsr-3434	353	26	2020	2020	NUM
fsr-3434	353	27	)	)	PUNCT
fsr-3434	354	1	303–314	303–314	NUM