id	sid	tid	token	lemma	pos
fsr-3437	1	1	ce	ce	PROPN
fsr-3437	1	2	1hour	1hour	NUM
fsr-3437	1	3	general	general	ADJ
fsr-3437	1	4	principles	principle	NOUN
fsr-3437	1	5	of	of	ADP
fsr-3437	1	6	financial	financial	ADJ
fsr-3437	1	7	planning	planning	NOUN
fsr-3437	1	8	afs	afs	NOUN
fsr-3437	1	9	and	and	CCONJ
fsr-3437	1	10	fpa	fpa	PROPN
fsr-3437	1	11	members	member	NOUN
fsr-3437	1	12	can	can	AUX
fsr-3437	1	13	earn	earn	VERB
fsr-3437	1	14	ce	ce	PROPN
fsr-3437	1	15	credits	credit	NOUN
fsr-3437	1	16	through	through	ADP
fsr-3437	1	17	financial	financial	ADJ
fsr-3437	1	18	services	service	NOUN
fsr-3437	1	19	review	review	NOUN
fsr-3437	1	20	.	.	PUNCT
fsr-3437	2	1	go	go	VERB
fsr-3437	2	2	to	to	ADP
fsr-3437	2	3	fpajournal.org	fpajournal.org	PROPN
fsr-3437	2	4	.	.	PUNCT
fsr-3437	3	1	to	to	PART
fsr-3437	3	2	receive	receive	VERB
fsr-3437	3	3	one	one	NUM
fsr-3437	3	4	hour	hour	NOUN
fsr-3437	3	5	of	of	ADP
fsr-3437	3	6	continuing	continue	VERB
fsr-3437	3	7	education	education	NOUN
fsr-3437	3	8	credit	credit	NOUN
fsr-3437	3	9	allotted	allot	VERB
fsr-3437	3	10	for	for	ADP
fsr-3437	3	11	this	this	DET
fsr-3437	3	12	exam	exam	NOUN
fsr-3437	3	13	,	,	PUNCT
fsr-3437	3	14	you	you	PRON
fsr-3437	3	15	must	must	AUX
fsr-3437	3	16	answer	answer	VERB
fsr-3437	3	17	four	four	NUM
fsr-3437	3	18	out	out	ADP
fsr-3437	3	19	of	of	ADP
fsr-3437	3	20	five	five	NUM
fsr-3437	3	21	questions	question	NOUN
fsr-3437	3	22	correctly	correctly	ADV
fsr-3437	3	23	.	.	PUNCT
fsr-3437	4	1	cfp	cfp	PROPN
fsr-3437	4	2	board	board	PROPN
fsr-3437	4	3	recently	recently	ADV
fsr-3437	4	4	adopted	adopt	VERB
fsr-3437	4	5	revisions	revision	NOUN
fsr-3437	4	6	to	to	ADP
fsr-3437	4	7	several	several	ADJ
fsr-3437	4	8	provisions	provision	NOUN
fsr-3437	4	9	of	of	ADP
fsr-3437	4	10	its	its	PRON
fsr-3437	4	11	ce	ce	PROPN
fsr-3437	4	12	policies	policy	NOUN
fsr-3437	4	13	,	,	PUNCT
fsr-3437	4	14	including	include	VERB
fsr-3437	4	15	changing	change	VERB
fsr-3437	4	16	the	the	DET
fsr-3437	4	17	minimum	minimum	ADJ
fsr-3437	4	18	number	number	NOUN
fsr-3437	4	19	of	of	ADP
fsr-3437	4	20	questions	question	NOUN
fsr-3437	4	21	for	for	ADP
fsr-3437	4	22	self	self	NOUN
fsr-3437	4	23	-	-	PUNCT
fsr-3437	4	24	study	study	NOUN
fsr-3437	4	25	assessments	assessment	NOUN
fsr-3437	4	26	from	from	ADP
fsr-3437	4	27	10	10	NUM
fsr-3437	4	28	to	to	PART
fsr-3437	4	29	5	5	NUM
fsr-3437	4	30	per	per	ADP
fsr-3437	4	31	full	full	ADJ
fsr-3437	4	32	ce	ce	PROPN
fsr-3437	4	33	credit	credit	NOUN
fsr-3437	4	34	hour	hour	NOUN
fsr-3437	4	35	.	.	PUNCT
fsr-3437	5	1	therefore	therefore	ADV
fsr-3437	5	2	,	,	PUNCT
fsr-3437	5	3	financial	financial	ADJ
fsr-3437	5	4	services	service	NOUN
fsr-3437	5	5	review	review	NOUN
fsr-3437	5	6	ce	ce	PROPN
fsr-3437	5	7	exams	exam	NOUN
fsr-3437	5	8	will	will	AUX
fsr-3437	5	9	have	have	VERB
fsr-3437	5	10	5	5	NUM
fsr-3437	5	11	questions	question	NOUN
fsr-3437	5	12	.	.	PUNCT
fsr-3437	6	1	ce	ce	PROPN
fsr-3437	6	2	credit	credit	NOUN
fsr-3437	6	3	for	for	ADP
fsr-3437	6	4	this	this	DET
fsr-3437	6	5	issue	issue	NOUN
fsr-3437	6	6	expires	expire	VERB
fsr-3437	6	7	december	december	PROPN
fsr-3437	6	8	31	31	NUM
fsr-3437	6	9	,	,	PUNCT
fsr-3437	6	10	2022	2022	NUM
fsr-3437	6	11	,	,	PUNCT
fsr-3437	6	12	subject	subject	ADJ
fsr-3437	6	13	to	to	ADP
fsr-3437	6	14	any	any	DET
fsr-3437	6	15	changes	change	NOUN
fsr-3437	6	16	dictated	dictate	VERB
fsr-3437	6	17	by	by	ADP
fsr-3437	6	18	cfp	cfp	PROPN
fsr-3437	6	19	board	board	PROPN
fsr-3437	6	20	.	.	PUNCT
fsr-3437	7	1	afs	afs	PROPN
fsr-3437	7	2	and	and	CCONJ
fsr-3437	7	3	fpa	fpa	PROPN
fsr-3437	7	4	offer	offer	VERB
fsr-3437	7	5	financial	financial	ADJ
fsr-3437	7	6	services	service	NOUN
fsr-3437	7	7	review	review	PROPN
fsr-3437	7	8	ce	ce	PROPN
fsr-3437	7	9	online	online	PROPN
fsr-3437	7	10	only	only	ADV
fsr-3437	7	11	—	—	PUNCT
fsr-3437	7	12	paper	paper	NOUN
fsr-3437	7	13	continuing	continue	VERB
fsr-3437	7	14	education	education	NOUN
fsr-3437	7	15	will	will	AUX
fsr-3437	7	16	not	not	PART
fsr-3437	7	17	be	be	AUX
fsr-3437	7	18	processed	process	VERB
fsr-3437	7	19	.	.	PUNCT
fsr-3437	8	1	go	go	VERB
fsr-3437	8	2	to	to	ADP
fsr-3437	8	3	fpajournal.org	fpajournal.org	ADJ
fsr-3437	8	4	to	to	PART
fsr-3437	8	5	take	take	VERB
fsr-3437	8	6	current	current	ADJ
fsr-3437	8	7	and	and	CCONJ
fsr-3437	8	8	past	past	ADJ
fsr-3437	8	9	ce	ce	PROPN
fsr-3437	8	10	(	(	PUNCT
fsr-3437	8	11	free	free	ADJ
fsr-3437	8	12	to	to	PART
fsr-3437	8	13	afs	afs	NOUN
fsr-3437	8	14	and	and	CCONJ
fsr-3437	8	15	fpa	fpa	NOUN
fsr-3437	8	16	members	member	NOUN
fsr-3437	8	17	)	)	PUNCT
fsr-3437	8	18	.	.	PUNCT
fsr-3437	9	1	you	you	PRON
fsr-3437	9	2	may	may	AUX
fsr-3437	9	3	use	use	VERB
fsr-3437	9	4	this	this	DET
fsr-3437	9	5	page	page	NOUN
fsr-3437	9	6	for	for	ADP
fsr-3437	9	7	reference	reference	NOUN
fsr-3437	9	8	.	.	PUNCT
fsr-3437	10	1	please	please	AUX
fsr-3437	10	2	allow	allow	VERB
fsr-3437	10	3	2	2	NUM
fsr-3437	10	4	-	-	SYM
fsr-3437	10	5	3	3	NUM
fsr-3437	10	6	weeks	week	NOUN
fsr-3437	10	7	for	for	SCONJ
fsr-3437	10	8	credit	credit	NOUN
fsr-3437	10	9	to	to	PART
fsr-3437	10	10	be	be	AUX
fsr-3437	10	11	processed	process	VERB
fsr-3437	10	12	and	and	CCONJ
fsr-3437	10	13	reported	report	VERB
fsr-3437	10	14	to	to	ADP
fsr-3437	10	15	cfp	cfp	PROPN
fsr-3437	10	16	board	board	PROPN
fsr-3437	10	17	.	.	PUNCT
fsr-3437	11	1	1	1	X
fsr-3437	11	2	.	.	X
fsr-3437	11	3	in	in	ADP
fsr-3437	11	4	“	"	PUNCT
fsr-3437	11	5	the	the	DET
fsr-3437	11	6	association	association	NOUN
fsr-3437	11	7	between	between	ADP
fsr-3437	11	8	financial	financial	ADJ
fsr-3437	11	9	risk	risk	NOUN
fsr-3437	11	10	and	and	CCONJ
fsr-3437	11	11	retirement	retirement	NOUN
fsr-3437	11	12	satisfaction	satisfaction	NOUN
fsr-3437	11	13	”	"	PUNCT
fsr-3437	11	14	by	by	ADP
fsr-3437	11	15	pearson	pearson	PROPN
fsr-3437	11	16	and	and	CCONJ
fsr-3437	11	17	guillemette	guillemette	NOUN
fsr-3437	11	18	,	,	PUNCT
fsr-3437	11	19	which	which	PRON
fsr-3437	11	20	of	of	ADP
fsr-3437	11	21	the	the	DET
fsr-3437	11	22	following	follow	VERB
fsr-3437	11	23	arguments	argument	NOUN
fsr-3437	11	24	was	be	AUX
fsr-3437	11	25	made	make	VERB
fsr-3437	11	26	:	:	PUNCT
fsr-3437	11	27	a.	a.	NOUN
fsr-3437	11	28	as	as	ADP
fsr-3437	11	29	retirement	retirement	NOUN
fsr-3437	11	30	approaches	approach	NOUN
fsr-3437	11	31	,	,	PUNCT
fsr-3437	11	32	individuals	individual	NOUN
fsr-3437	11	33	should	should	AUX
fsr-3437	11	34	increase	increase	VERB
fsr-3437	11	35	risk	risk	NOUN
fsr-3437	11	36	in	in	ADP
fsr-3437	11	37	response	response	NOUN
fsr-3437	11	38	to	to	ADP
fsr-3437	11	39	a	a	DET
fsr-3437	11	40	decrease	decrease	NOUN
fsr-3437	11	41	in	in	ADP
fsr-3437	11	42	human	human	ADJ
fsr-3437	11	43	capital	capital	NOUN
fsr-3437	11	44	.	.	PUNCT
fsr-3437	12	1	b.	b.	PROPN
fsr-3437	13	1	there	there	PRON
fsr-3437	13	2	is	be	VERB
fsr-3437	13	3	not	not	PART
fsr-3437	13	4	a	a	DET
fsr-3437	13	5	strong	strong	ADJ
fsr-3437	13	6	theoretical	theoretical	ADJ
fsr-3437	13	7	rationale	rationale	NOUN
fsr-3437	13	8	for	for	ADP
fsr-3437	13	9	the	the	DET
fsr-3437	13	10	reduction	reduction	NOUN
fsr-3437	13	11	of	of	ADP
fsr-3437	13	12	risk	risk	NOUN
fsr-3437	13	13	during	during	ADP
fsr-3437	13	14	retirement	retirement	NOUN
fsr-3437	13	15	.	.	PUNCT
fsr-3437	14	1	c.	c.	PROPN
fsr-3437	14	2	all	all	DET
fsr-3437	14	3	retirees	retiree	NOUN
fsr-3437	14	4	should	should	AUX
fsr-3437	14	5	bear	bear	VERB
fsr-3437	14	6	additional	additional	ADJ
fsr-3437	14	7	portfolio	portfolio	NOUN
fsr-3437	14	8	risk	risk	NOUN
fsr-3437	14	9	for	for	ADP
fsr-3437	14	10	greater	great	ADJ
fsr-3437	14	11	return	return	NOUN
fsr-3437	14	12	potential	potential	NOUN
fsr-3437	14	13	in	in	ADP
fsr-3437	14	14	the	the	DET
fsr-3437	14	15	future	future	NOUN
fsr-3437	14	16	.	.	PUNCT
fsr-3437	15	1	d.	d.	PROPN
fsr-3437	15	2	retirees	retirees	PROPN
fsr-3437	15	3	’	’	PART
fsr-3437	15	4	objective	objective	ADJ
fsr-3437	15	5	risk	risk	NOUN
fsr-3437	15	6	preferences	preference	NOUN
fsr-3437	15	7	should	should	AUX
fsr-3437	15	8	be	be	AUX
fsr-3437	15	9	considered	consider	VERB
fsr-3437	15	10	more	more	ADJ
fsr-3437	15	11	than	than	ADP
fsr-3437	15	12	their	their	PRON
fsr-3437	15	13	subjective	subjective	ADJ
fsr-3437	15	14	risk	risk	NOUN
fsr-3437	15	15	preferences	preference	NOUN
fsr-3437	15	16	.	.	PUNCT
fsr-3437	16	1	2	2	X
fsr-3437	16	2	.	.	X
fsr-3437	16	3	in	in	ADP
fsr-3437	16	4	pearson	pearson	PROPN
fsr-3437	16	5	and	and	CCONJ
fsr-3437	16	6	guillemette	guillemette	NOUN
fsr-3437	16	7	,	,	PUNCT
fsr-3437	16	8	the	the	DET
fsr-3437	16	9	authors	author	NOUN
fsr-3437	16	10	posit	posit	VERB
fsr-3437	16	11	that	that	PRON
fsr-3437	16	12	:	:	PUNCT
fsr-3437	16	13	a.	a.	NOUN
fsr-3437	16	14	increasing	increase	VERB
fsr-3437	16	15	financial	financial	ADJ
fsr-3437	16	16	risk	risk	NOUN
fsr-3437	16	17	should	should	AUX
fsr-3437	16	18	lead	lead	VERB
fsr-3437	16	19	to	to	ADP
fsr-3437	16	20	a	a	DET
fsr-3437	16	21	reduction	reduction	NOUN
fsr-3437	16	22	in	in	ADP
fsr-3437	16	23	retirement	retirement	NOUN
fsr-3437	16	24	satisfaction	satisfaction	NOUN
fsr-3437	16	25	because	because	SCONJ
fsr-3437	16	26	of	of	ADP
fsr-3437	16	27	the	the	DET
fsr-3437	16	28	resulting	result	VERB
fsr-3437	16	29	increase	increase	NOUN
fsr-3437	16	30	in	in	ADP
fsr-3437	16	31	income	income	NOUN
fsr-3437	16	32	uncertainty	uncertainty	NOUN
fsr-3437	16	33	.	.	PUNCT
fsr-3437	17	1	b.	b.	PROPN
fsr-3437	18	1	decreasing	decrease	VERB
fsr-3437	18	2	financial	financial	ADJ
fsr-3437	18	3	risk	risk	NOUN
fsr-3437	18	4	should	should	AUX
fsr-3437	18	5	lead	lead	VERB
fsr-3437	18	6	to	to	ADP
fsr-3437	18	7	an	an	DET
fsr-3437	18	8	increase	increase	NOUN
fsr-3437	18	9	in	in	ADP
fsr-3437	18	10	retirement	retirement	NOUN
fsr-3437	18	11	satisfaction	satisfaction	NOUN
fsr-3437	18	12	because	because	SCONJ
fsr-3437	18	13	of	of	ADP
fsr-3437	18	14	the	the	DET
fsr-3437	18	15	resulting	result	VERB
fsr-3437	18	16	increase	increase	NOUN
fsr-3437	18	17	in	in	ADP
fsr-3437	18	18	income	income	NOUN
fsr-3437	18	19	certainty	certainty	NOUN
fsr-3437	18	20	.	.	PUNCT
fsr-3437	19	1	c.	c.	NOUN
fsr-3437	19	2	financing	financing	NOUN
fsr-3437	19	3	consumption	consumption	NOUN
fsr-3437	19	4	in	in	ADP
fsr-3437	19	5	retirement	retirement	NOUN
fsr-3437	19	6	is	be	AUX
fsr-3437	19	7	dependent	dependent	ADJ
fsr-3437	19	8	on	on	ADP
fsr-3437	19	9	the	the	DET
fsr-3437	19	10	retiree	retiree	NOUN
fsr-3437	19	11	’s	’s	PART
fsr-3437	19	12	level	level	NOUN
fsr-3437	19	13	of	of	ADP
fsr-3437	19	14	human	human	ADJ
fsr-3437	19	15	capital	capital	NOUN
fsr-3437	19	16	.	.	PUNCT
fsr-3437	20	1	d.	d.	PROPN
fsr-3437	20	2	higher	high	ADJ
fsr-3437	20	3	risk	risk	NOUN
fsr-3437	20	4	comes	come	VERB
fsr-3437	20	5	with	with	ADP
fsr-3437	20	6	the	the	DET
fsr-3437	20	7	potential	potential	NOUN
fsr-3437	20	8	for	for	ADP
fsr-3437	20	9	higher	high	ADJ
fsr-3437	20	10	returns	return	NOUN
fsr-3437	20	11	,	,	PUNCT
fsr-3437	20	12	and	and	CCONJ
fsr-3437	20	13	higher	high	ADJ
fsr-3437	20	14	returns	return	NOUN
fsr-3437	20	15	provide	provide	VERB
fsr-3437	20	16	retirees	retiree	NOUN
fsr-3437	20	17	with	with	ADP
fsr-3437	20	18	more	more	ADJ
fsr-3437	20	19	income	income	NOUN
fsr-3437	20	20	to	to	PART
fsr-3437	20	21	finance	finance	VERB
fsr-3437	20	22	their	their	PRON
fsr-3437	20	23	consumption	consumption	NOUN
fsr-3437	20	24	in	in	ADP
fsr-3437	20	25	retirement	retirement	NOUN
fsr-3437	20	26	.	.	PUNCT
fsr-3437	21	1	3	3	X
fsr-3437	21	2	.	.	X
fsr-3437	21	3	pearson	pearson	PROPN
fsr-3437	21	4	and	and	CCONJ
fsr-3437	21	5	guillemette	guillemette	NOUN
fsr-3437	21	6	argue	argue	VERB
fsr-3437	21	7	that	that	SCONJ
fsr-3437	21	8	if	if	SCONJ
fsr-3437	21	9	retirees	retiree	NOUN
fsr-3437	21	10	reduce	reduce	VERB
fsr-3437	21	11	the	the	DET
fsr-3437	21	12	ratio	ratio	NOUN
fsr-3437	21	13	of	of	ADP
fsr-3437	21	14	stocks	stock	NOUN
fsr-3437	21	15	held	hold	VERB
fsr-3437	21	16	relative	relative	ADJ
fsr-3437	21	17	to	to	ADP
fsr-3437	21	18	total	total	ADJ
fsr-3437	21	19	financial	financial	ADJ
fsr-3437	21	20	assets	asset	NOUN
fsr-3437	21	21	:	:	PUNCT
fsr-3437	21	22	a.	a.	NOUN
fsr-3437	21	23	it	it	PRON
fsr-3437	21	24	may	may	AUX
fsr-3437	21	25	decrease	decrease	VERB
fsr-3437	21	26	retirement	retirement	NOUN
fsr-3437	21	27	satisfaction	satisfaction	NOUN
fsr-3437	21	28	.	.	PUNCT
fsr-3437	22	1	b.	b.	PROPN
fsr-3437	23	1	it	it	PRON
fsr-3437	23	2	may	may	AUX
fsr-3437	23	3	increase	increase	VERB
fsr-3437	23	4	retirement	retirement	NOUN
fsr-3437	23	5	satisfaction	satisfaction	NOUN
fsr-3437	23	6	.	.	PUNCT
fsr-3437	24	1	c.	c.	NOUN
fsr-3437	24	2	there	there	PRON
fsr-3437	24	3	should	should	AUX
fsr-3437	24	4	be	be	AUX
fsr-3437	24	5	an	an	DET
fsr-3437	24	6	increase	increase	NOUN
fsr-3437	24	7	in	in	ADP
fsr-3437	24	8	retirement	retirement	NOUN
fsr-3437	24	9	satisfaction	satisfaction	NOUN
fsr-3437	24	10	only	only	ADV
fsr-3437	24	11	if	if	SCONJ
fsr-3437	24	12	the	the	DET
fsr-3437	24	13	decrease	decrease	NOUN
fsr-3437	24	14	in	in	ADP
fsr-3437	24	15	the	the	DET
fsr-3437	24	16	ratio	ratio	NOUN
fsr-3437	24	17	of	of	ADP
fsr-3437	24	18	stocks	stock	NOUN
fsr-3437	24	19	is	be	AUX
fsr-3437	24	20	offset	offset	VERB
fsr-3437	24	21	by	by	ADP
fsr-3437	24	22	an	an	DET
fsr-3437	24	23	increase	increase	NOUN
fsr-3437	24	24	in	in	ADP
fsr-3437	24	25	the	the	DET
fsr-3437	24	26	ratio	ratio	NOUN
fsr-3437	24	27	of	of	ADP
fsr-3437	24	28	bonds	bond	NOUN
fsr-3437	24	29	.	.	PUNCT
fsr-3437	25	1	d.	d.	PROPN
fsr-3437	25	2	there	there	PRON
fsr-3437	25	3	should	should	AUX
fsr-3437	25	4	be	be	AUX
fsr-3437	25	5	no	no	DET
fsr-3437	25	6	effect	effect	NOUN
fsr-3437	25	7	on	on	ADP
fsr-3437	25	8	retirement	retirement	NOUN
fsr-3437	25	9	satisfaction	satisfaction	NOUN
fsr-3437	25	10	.	.	PUNCT
fsr-3437	26	1	4	4	X
fsr-3437	26	2	.	.	X
fsr-3437	26	3	in	in	ADP
fsr-3437	26	4	“	"	PUNCT
fsr-3437	26	5	financial	financial	ADJ
fsr-3437	26	6	literacy	literacy	NOUN
fsr-3437	26	7	,	,	PUNCT
fsr-3437	26	8	behavioural	behavioural	ADJ
fsr-3437	26	9	factors	factor	NOUN
fsr-3437	26	10	,	,	PUNCT
fsr-3437	26	11	and	and	CCONJ
fsr-3437	26	12	problematic	problematic	ADJ
fsr-3437	26	13	debt	debt	NOUN
fsr-3437	26	14	-	-	PUNCT
fsr-3437	26	15	taking	taking	NOUN
fsr-3437	26	16	:	:	PUNCT
fsr-3437	26	17	an	an	DET
fsr-3437	26	18	empirical	empirical	ADJ
fsr-3437	26	19	analysis	analysis	NOUN
fsr-3437	26	20	of	of	ADP
fsr-3437	26	21	relationships	relationship	NOUN
fsr-3437	26	22	in	in	ADP
fsr-3437	26	23	australia	australia	PROPN
fsr-3437	26	24	”	"	PUNCT
fsr-3437	26	25	by	by	ADP
fsr-3437	26	26	tahir	tahir	PROPN
fsr-3437	26	27	,	,	PUNCT
fsr-3437	26	28	richards	richard	NOUN
fsr-3437	26	29	,	,	PUNCT
fsr-3437	26	30	and	and	CCONJ
fsr-3437	26	31	ahmed	ahme	VERB
fsr-3437	26	32	which	which	DET
fsr-3437	26	33	factor	factor	NOUN
fsr-3437	26	34	was	be	AUX
fsr-3437	26	35	identified	identify	VERB
fsr-3437	26	36	as	as	ADP
fsr-3437	26	37	having	have	VERB
fsr-3437	26	38	the	the	DET
fsr-3437	26	39	strongest	strong	ADJ
fsr-3437	26	40	relationship	relationship	NOUN
fsr-3437	26	41	with	with	ADP
fsr-3437	26	42	credit	credit	NOUN
fsr-3437	26	43	card	card	NOUN
fsr-3437	26	44	debttaking	debttake	VERB
fsr-3437	26	45	behaviour	behaviour	NOUN
fsr-3437	26	46	in	in	ADP
fsr-3437	26	47	the	the	DET
fsr-3437	26	48	paper	paper	NOUN
fsr-3437	26	49	?	?	PUNCT
fsr-3437	27	1	a.	a.	NOUN
fsr-3437	27	2	financial	financial	PROPN
fsr-3437	27	3	literacy	literacy	PROPN
fsr-3437	27	4	b.	b.	PROPN
fsr-3437	27	5	financial	financial	PROPN
fsr-3437	27	6	satisfaction	satisfaction	PROPN
fsr-3437	27	7	c.	c.	PROPN
fsr-3437	27	8	attitude	attitude	NOUN
fsr-3437	27	9	towards	towards	ADP
fsr-3437	27	10	balancing	balance	VERB
fsr-3437	27	11	spending	spending	NOUN
fsr-3437	27	12	and	and	CCONJ
fsr-3437	27	13	savings	saving	NOUN
fsr-3437	27	14	d.	d.	PROPN
fsr-3437	27	15	gender	gender	PROPN
fsr-3437	27	16	5	5	NUM
fsr-3437	27	17	.	.	PUNCT
fsr-3437	28	1	in	in	ADP
fsr-3437	28	2	tahir	tahir	PROPN
fsr-3437	28	3	,	,	PUNCT
fsr-3437	28	4	richards	richard	NOUN
fsr-3437	28	5	,	,	PUNCT
fsr-3437	28	6	and	and	CCONJ
fsr-3437	28	7	ahmed	ahme	VERB
fsr-3437	28	8	,	,	PUNCT
fsr-3437	28	9	the	the	DET
fsr-3437	28	10	authors	author	NOUN
fsr-3437	28	11	highlighted	highlight	VERB
fsr-3437	28	12	that	that	SCONJ
fsr-3437	28	13	_	_	PUNCT
fsr-3437	29	1	_	_	PUNCT
fsr-3437	30	1	_	_	PUNCT
fsr-3437	31	1	_	_	PUNCT
fsr-3437	32	1	_	_	PUNCT
fsr-3437	33	1	_	_	PUNCT
fsr-3437	34	1	_	_	PUNCT
fsr-3437	35	1	_	_	PUNCT
fsr-3437	35	2	is	be	AUX
fsr-3437	35	3	relatively	relatively	ADV
fsr-3437	35	4	a	a	DET
fsr-3437	35	5	more	more	ADV
fsr-3437	35	6	stressful	stressful	ADJ
fsr-3437	35	7	and	and	CCONJ
fsr-3437	35	8	problematic	problematic	ADJ
fsr-3437	35	9	type	type	NOUN
fsr-3437	35	10	of	of	ADP
fsr-3437	35	11	household	household	NOUN
fsr-3437	35	12	debt	debt	NOUN
fsr-3437	35	13	?	?	PUNCT
fsr-3437	36	1	a.	a.	NOUN
fsr-3437	36	2	mortgage	mortgage	PROPN
fsr-3437	36	3	b.	b.	PROPN
fsr-3437	36	4	credit	credit	NOUN
fsr-3437	36	5	card	card	NOUN
fsr-3437	36	6	debt	debt	NOUN
fsr-3437	36	7	c.	c.	PROPN
fsr-3437	36	8	investment	investment	PROPN
fsr-3437	36	9	loan	loan	PROPN
fsr-3437	36	10	d.	d.	PROPN
fsr-3437	36	11	car	car	PROPN
fsr-3437	36	12	loan	loan	PROPN
fsr-3437	36	13	manuscript	manuscript	NOUN
fsr-3437	36	14	submissions	submission	NOUN
fsr-3437	36	15	and	and	CCONJ
fsr-3437	36	16	style	style	NOUN
fsr-3437	36	17	(	(	PUNCT
fsr-3437	36	18	1	1	NUM
fsr-3437	36	19	)	)	PUNCT
fsr-3437	36	20	papers	paper	NOUN
fsr-3437	36	21	must	must	AUX
fsr-3437	36	22	be	be	AUX
fsr-3437	36	23	in	in	ADP
fsr-3437	36	24	english	english	PROPN
fsr-3437	36	25	.	.	PUNCT
fsr-3437	37	1	(	(	PUNCT
fsr-3437	37	2	2	2	X
fsr-3437	37	3	)	)	PUNCT
fsr-3437	37	4	papers	paper	NOUN
fsr-3437	37	5	for	for	ADP
fsr-3437	37	6	publication	publication	NOUN
fsr-3437	37	7	should	should	AUX
fsr-3437	37	8	be	be	AUX
fsr-3437	37	9	sent	send	VERB
fsr-3437	37	10	to	to	ADP
fsr-3437	37	11	the	the	DET
fsr-3437	37	12	editor	editor	NOUN
fsr-3437	37	13	:	:	PUNCT
fsr-3437	37	14	professor	professor	PROPN
fsr-3437	37	15	stuart	stuart	PROPN
fsr-3437	37	16	michelson	michelson	PROPN
fsr-3437	37	17	,	,	PUNCT
fsr-3437	37	18	e	e	NOUN
fsr-3437	37	19	-	-	NOUN
fsr-3437	37	20	mail	mail	NOUN
fsr-3437	37	21	:	:	PUNCT
fsr-3437	37	22	smichels@stetson.edu	smichels@stetson.edu	X
fsr-3437	37	23	.	.	PUNCT
fsr-3437	37	24	electronic	electronic	ADJ
fsr-3437	37	25	(	(	PUNCT
fsr-3437	37	26	email	email	NOUN
fsr-3437	37	27	)	)	PUNCT
fsr-3437	37	28	submission	submission	NOUN
fsr-3437	37	29	of	of	ADP
fsr-3437	37	30	manuscripts	manuscript	NOUN
fsr-3437	37	31	is	be	AUX
fsr-3437	37	32	encouraged	encourage	VERB
fsr-3437	37	33	,	,	PUNCT
fsr-3437	37	34	and	and	CCONJ
fsr-3437	37	35	procedures	procedure	NOUN
fsr-3437	37	36	are	be	AUX
fsr-3437	37	37	discussed	discuss	VERB
fsr-3437	37	38	below	below	ADV
fsr-3437	37	39	.	.	PUNCT
fsr-3437	38	1	there	there	PRON
fsr-3437	38	2	is	be	VERB
fsr-3437	38	3	a	a	DET
fsr-3437	38	4	$	$	SYM
fsr-3437	38	5	100	100	NUM
fsr-3437	38	6	submission	submission	NOUN
fsr-3437	38	7	fee	fee	NOUN
fsr-3437	38	8	payable	payable	ADJ
fsr-3437	38	9	to	to	ADP
fsr-3437	38	10	the	the	DET
fsr-3437	38	11	academy	academy	NOUN
fsr-3437	38	12	of	of	ADP
fsr-3437	38	13	financial	financial	ADJ
fsr-3437	38	14	services	service	NOUN
fsr-3437	38	15	(	(	PUNCT
fsr-3437	38	16	afs	afs	NOUN
fsr-3437	38	17	)	)	PUNCT
fsr-3437	38	18	if	if	SCONJ
fsr-3437	38	19	at	at	ADV
fsr-3437	38	20	least	least	ADJ
fsr-3437	38	21	one	one	NUM
fsr-3437	38	22	of	of	ADP
fsr-3437	38	23	the	the	DET
fsr-3437	38	24	authors	author	NOUN
fsr-3437	38	25	is	be	AUX
fsr-3437	38	26	a	a	DET
fsr-3437	38	27	member	member	NOUN
fsr-3437	38	28	of	of	ADP
fsr-3437	38	29	afs	afs	PROPN
fsr-3437	38	30	.	.	PUNCT
fsr-3437	39	1	submission	submission	NOUN
fsr-3437	39	2	fees	fee	NOUN
fsr-3437	39	3	should	should	AUX
fsr-3437	39	4	be	be	AUX
fsr-3437	39	5	paid	pay	VERB
fsr-3437	39	6	online	online	ADV
fsr-3437	39	7	at	at	ADP
fsr-3437	39	8	academy	academy	PROPN
fsr-3437	39	9	financial	financial	ADJ
fsr-3437	39	10	org	org	PROPN
fsr-3437	39	11	.	.	PUNCT
fsr-3437	40	1	if	if	SCONJ
fsr-3437	40	2	none	none	NOUN
fsr-3437	40	3	of	of	ADP
fsr-3437	40	4	the	the	DET
fsr-3437	40	5	authors	author	NOUN
fsr-3437	40	6	is	be	AUX
fsr-3437	40	7	a	a	DET
fsr-3437	40	8	member	member	NOUN
fsr-3437	40	9	of	of	ADP
fsr-3437	40	10	afs	afs	NOUN
fsr-3437	40	11	,	,	PUNCT
fsr-3437	40	12	please	please	INTJ
fsr-3437	40	13	complete	complete	VERB
fsr-3437	40	14	an	an	DET
fsr-3437	40	15	online	online	ADJ
fsr-3437	40	16	membership	membership	NOUN
fsr-3437	40	17	application	application	NOUN
fsr-3437	40	18	form	form	NOUN
fsr-3437	40	19	,	,	PUNCT
fsr-3437	40	20	which	which	PRON
fsr-3437	40	21	can	can	AUX
fsr-3437	40	22	be	be	AUX
fsr-3437	40	23	downloaded	download	VERB
fsr-3437	40	24	at	at	ADP
fsr-3437	40	25	http://academyfinancial.org	http://academyfinancial.org	PROPN
fsr-3437	40	26	,	,	PUNCT
fsr-3437	40	27	and	and	CCONJ
fsr-3437	40	28	pay	pay	VERB
fsr-3437	40	29	online	online	ADJ
fsr-3437	40	30	(	(	PUNCT
fsr-3437	40	31	$	$	SYM
fsr-3437	40	32	225	225	NUM
fsr-3437	40	33	total	total	NOUN
fsr-3437	40	34	;	;	PUNCT
fsr-3437	40	35	$	$	SYM
fsr-3437	40	36	125	125	NUM
fsr-3437	40	37	for	for	ADP
fsr-3437	40	38	a	a	DET
fsr-3437	40	39	one	one	NUM
fsr-3437	40	40	-	-	PUNCT
fsr-3437	40	41	year	year	NOUN
fsr-3437	40	42	membership	membership	NOUN
fsr-3437	40	43	and	and	CCONJ
fsr-3437	40	44	$	$	SYM
fsr-3437	40	45	100	100	NUM
fsr-3437	40	46	submission	submission	NOUN
fsr-3437	40	47	fee	fee	NOUN
fsr-3437	40	48	)	)	PUNCT
fsr-3437	40	49	.	.	PUNCT
fsr-3437	41	1	submission	submission	NOUN
fsr-3437	41	2	of	of	ADP
fsr-3437	41	3	a	a	DET
fsr-3437	41	4	paper	paper	NOUN
fsr-3437	41	5	will	will	AUX
fsr-3437	41	6	be	be	AUX
fsr-3437	41	7	held	hold	VERB
fsr-3437	41	8	to	to	PART
fsr-3437	41	9	imply	imply	VERB
fsr-3437	41	10	that	that	SCONJ
fsr-3437	41	11	it	it	PRON
fsr-3437	41	12	contains	contain	VERB
fsr-3437	41	13	original	original	ADJ
fsr-3437	41	14	unpublished	unpublished	ADJ
fsr-3437	41	15	work	work	NOUN
fsr-3437	41	16	and	and	CCONJ
fsr-3437	41	17	is	be	AUX
fsr-3437	41	18	not	not	PART
fsr-3437	41	19	being	be	AUX
fsr-3437	41	20	considered	consider	VERB
fsr-3437	41	21	for	for	ADP
fsr-3437	41	22	publication	publication	NOUN
fsr-3437	41	23	elsewhere	elsewhere	ADV
fsr-3437	41	24	.	.	PUNCT
fsr-3437	42	1	the	the	DET
fsr-3437	42	2	editor	editor	NOUN
fsr-3437	42	3	does	do	AUX
fsr-3437	42	4	not	not	PART
fsr-3437	42	5	accept	accept	VERB
fsr-3437	42	6	responsibility	responsibility	NOUN
fsr-3437	42	7	for	for	ADP
fsr-3437	42	8	damage	damage	NOUN
fsr-3437	42	9	or	or	CCONJ
fsr-3437	42	10	loss	loss	NOUN
fsr-3437	42	11	of	of	ADP
fsr-3437	42	12	papers	paper	NOUN
fsr-3437	42	13	submitted	submit	VERB
fsr-3437	42	14	.	.	PUNCT
fsr-3437	43	1	upon	upon	SCONJ
fsr-3437	43	2	acceptance	acceptance	NOUN
fsr-3437	43	3	of	of	ADP
fsr-3437	43	4	an	an	DET
fsr-3437	43	5	article	article	NOUN
fsr-3437	43	6	,	,	PUNCT
fsr-3437	43	7	author(s	author(s	NOUN
fsr-3437	43	8	)	)	PUNCT
fsr-3437	43	9	transfer	transfer	NOUN
fsr-3437	43	10	copyright	copyright	NOUN
fsr-3437	43	11	of	of	ADP
fsr-3437	43	12	the	the	DET
fsr-3437	43	13	article	article	NOUN
fsr-3437	43	14	to	to	ADP
fsr-3437	43	15	the	the	DET
fsr-3437	43	16	academy	academy	NOUN
fsr-3437	43	17	of	of	ADP
fsr-3437	43	18	financial	financial	ADJ
fsr-3437	43	19	services	service	NOUN
fsr-3437	43	20	.	.	PUNCT
fsr-3437	44	1	this	this	DET
fsr-3437	44	2	transfer	transfer	NOUN
fsr-3437	44	3	will	will	AUX
fsr-3437	44	4	ensure	ensure	VERB
fsr-3437	44	5	the	the	DET
fsr-3437	44	6	widest	wide	ADJ
fsr-3437	44	7	possible	possible	ADJ
fsr-3437	44	8	dissemination	dissemination	NOUN
fsr-3437	44	9	.	.	PUNCT
fsr-3437	45	1	(	(	PUNCT
fsr-3437	45	2	3	3	X
fsr-3437	45	3	)	)	PUNCT
fsr-3437	45	4	submission	submission	NOUN
fsr-3437	45	5	of	of	ADP
fsr-3437	45	6	papers	paper	NOUN
fsr-3437	45	7	:	:	PUNCT
fsr-3437	45	8	authors	author	NOUN
fsr-3437	45	9	should	should	AUX
fsr-3437	45	10	submit	submit	VERB
fsr-3437	45	11	their	their	PRON
fsr-3437	45	12	papers	paper	NOUN
fsr-3437	45	13	electronically	electronically	ADV
fsr-3437	45	14	as	as	ADP
fsr-3437	45	15	an	an	DET
fsr-3437	45	16	e	e	NOUN
fsr-3437	45	17	-	-	NOUN
fsr-3437	45	18	mail	mail	NOUN
fsr-3437	45	19	attachment	attachment	NOUN
fsr-3437	45	20	to	to	ADP
fsr-3437	45	21	the	the	DET
fsr-3437	45	22	editor	editor	NOUN
fsr-3437	45	23	at	at	ADP
fsr-3437	45	24	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3437	45	25	.	.	PUNCT
fsr-3437	46	1	please	please	INTJ
fsr-3437	46	2	send	send	VERB
fsr-3437	46	3	the	the	DET
fsr-3437	46	4	paper	paper	NOUN
fsr-3437	46	5	in	in	ADP
fsr-3437	46	6	word	word	NOUN
fsr-3437	46	7	format	format	NOUN
fsr-3437	46	8	.	.	PUNCT
fsr-3437	47	1	do	do	AUX
fsr-3437	47	2	not	not	PART
fsr-3437	47	3	sent	send	VERB
fsr-3437	47	4	pdfs	pdfs	NOUN
fsr-3437	47	5	.	.	PUNCT
fsr-3437	48	1	ensure	ensure	VERB
fsr-3437	48	2	that	that	SCONJ
fsr-3437	48	3	the	the	DET
fsr-3437	48	4	letter	letter	NOUN
fsr-3437	48	5	‘	'	PUNCT
fsr-3437	48	6	l	l	NOUN
fsr-3437	48	7	’	'	PUNCT
fsr-3437	48	8	and	and	CCONJ
fsr-3437	48	9	digit	digit	VERB
fsr-3437	48	10	‘	'	PUNCT
fsr-3437	48	11	1	1	NUM
fsr-3437	48	12	’	'	PUNCT
fsr-3437	48	13	,	,	PUNCT
fsr-3437	48	14	and	and	CCONJ
fsr-3437	48	15	also	also	ADV
fsr-3437	48	16	the	the	DET
fsr-3437	48	17	letter	letter	NOUN
fsr-3437	48	18	‘	'	PUNCT
fsr-3437	48	19	o	o	NOUN
fsr-3437	48	20	’	'	PUNCT
fsr-3437	48	21	and	and	CCONJ
fsr-3437	48	22	digit	digit	VERB
fsr-3437	48	23	‘	'	PUNCT
fsr-3437	48	24	0	0	NUM
fsr-3437	48	25	’	'	PUNCT
fsr-3437	48	26	are	be	AUX
fsr-3437	48	27	used	use	VERB
fsr-3437	48	28	properly	properly	ADV
fsr-3437	48	29	,	,	PUNCT
fsr-3437	48	30	and	and	CCONJ
fsr-3437	48	31	format	format	VERB
fsr-3437	48	32	your	your	PRON
fsr-3437	48	33	article	article	NOUN
fsr-3437	48	34	(	(	PUNCT
fsr-3437	48	35	tabs	tab	NOUN
fsr-3437	48	36	,	,	PUNCT
fsr-3437	48	37	indents	indent	NOUN
fsr-3437	48	38	,	,	PUNCT
fsr-3437	48	39	etc	etc	X
fsr-3437	48	40	.	.	X
fsr-3437	48	41	)	)	PUNCT
fsr-3437	48	42	consistently	consistently	ADV
fsr-3437	48	43	.	.	PUNCT
fsr-3437	49	1	do	do	AUX
fsr-3437	49	2	not	not	PART
fsr-3437	49	3	allow	allow	VERB
fsr-3437	49	4	your	your	PRON
fsr-3437	49	5	word	word	NOUN
fsr-3437	49	6	processor	processor	NOUN
fsr-3437	49	7	to	to	PART
fsr-3437	49	8	introduce	introduce	VERB
fsr-3437	49	9	word	word	NOUN
fsr-3437	49	10	breaks	break	NOUN
fsr-3437	49	11	and	and	CCONJ
fsr-3437	49	12	do	do	AUX
fsr-3437	49	13	not	not	PART
fsr-3437	49	14	use	use	VERB
fsr-3437	49	15	a	a	DET
fsr-3437	49	16	justified	justified	ADJ
fsr-3437	49	17	layout	layout	NOUN
fsr-3437	49	18	.	.	PUNCT
fsr-3437	50	1	please	please	INTJ
fsr-3437	50	2	adhere	adhere	VERB
fsr-3437	50	3	strictly	strictly	ADV
fsr-3437	50	4	to	to	ADP
fsr-3437	50	5	the	the	DET
fsr-3437	50	6	general	general	ADJ
fsr-3437	50	7	instructions	instruction	NOUN
fsr-3437	50	8	below	below	ADP
fsr-3437	50	9	on	on	ADP
fsr-3437	50	10	style	style	NOUN
fsr-3437	50	11	,	,	PUNCT
fsr-3437	50	12	arrangement	arrangement	NOUN
fsr-3437	50	13	and	and	CCONJ
fsr-3437	50	14	,	,	PUNCT
fsr-3437	50	15	in	in	ADP
fsr-3437	50	16	particular	particular	ADJ
fsr-3437	50	17	,	,	PUNCT
fsr-3437	50	18	the	the	DET
fsr-3437	50	19	reference	reference	NOUN
fsr-3437	50	20	style	style	NOUN
fsr-3437	50	21	of	of	ADP
fsr-3437	50	22	the	the	DET
fsr-3437	50	23	journal	journal	NOUN
fsr-3437	50	24	.	.	PUNCT
fsr-3437	51	1	(	(	PUNCT
fsr-3437	51	2	4	4	X
fsr-3437	51	3	)	)	PUNCT
fsr-3437	51	4	manuscripts	manuscript	NOUN
fsr-3437	51	5	should	should	AUX
fsr-3437	51	6	be	be	AUX
fsr-3437	51	7	double	double	ADV
fsr-3437	51	8	spaced	space	VERB
fsr-3437	51	9	,	,	PUNCT
fsr-3437	51	10	with	with	ADP
fsr-3437	51	11	one	one	NUM
fsr-3437	51	12	-	-	PUNCT
fsr-3437	51	13	inch	inch	NOUN
fsr-3437	51	14	margins	margin	NOUN
fsr-3437	51	15	,	,	PUNCT
fsr-3437	51	16	and	and	CCONJ
fsr-3437	51	17	printed	print	VERB
fsr-3437	51	18	on	on	ADP
fsr-3437	51	19	one	one	NUM
fsr-3437	51	20	side	side	NOUN
fsr-3437	51	21	of	of	ADP
fsr-3437	51	22	the	the	DET
fsr-3437	51	23	paper	paper	NOUN
fsr-3437	51	24	only	only	ADV
fsr-3437	51	25	.	.	PUNCT
fsr-3437	52	1	all	all	DET
fsr-3437	52	2	pages	page	NOUN
fsr-3437	52	3	should	should	AUX
fsr-3437	52	4	be	be	AUX
fsr-3437	52	5	numbered	number	VERB
fsr-3437	52	6	consecutively	consecutively	ADV
fsr-3437	52	7	,	,	PUNCT
fsr-3437	52	8	starting	start	VERB
fsr-3437	52	9	with	with	ADP
fsr-3437	52	10	the	the	DET
fsr-3437	52	11	title	title	NOUN
fsr-3437	52	12	page	page	NOUN
fsr-3437	52	13	.	.	PUNCT
fsr-3437	53	1	titles	title	NOUN
fsr-3437	53	2	and	and	CCONJ
fsr-3437	53	3	subtitles	subtitle	NOUN
fsr-3437	53	4	should	should	AUX
fsr-3437	53	5	be	be	AUX
fsr-3437	53	6	short	short	ADJ
fsr-3437	53	7	.	.	PUNCT
fsr-3437	54	1	references	reference	NOUN
fsr-3437	54	2	,	,	PUNCT
fsr-3437	54	3	tables	table	NOUN
fsr-3437	54	4	,	,	PUNCT
fsr-3437	54	5	and	and	CCONJ
fsr-3437	54	6	legends	legend	NOUN
fsr-3437	54	7	for	for	ADP
fsr-3437	54	8	the	the	DET
fsr-3437	54	9	figures	figure	NOUN
fsr-3437	54	10	should	should	AUX
fsr-3437	54	11	be	be	AUX
fsr-3437	54	12	printed	print	VERB
fsr-3437	54	13	on	on	ADP
fsr-3437	54	14	separate	separate	ADJ
fsr-3437	54	15	pages	page	NOUN
fsr-3437	54	16	.	.	PUNCT
fsr-3437	55	1	(	(	PUNCT
fsr-3437	55	2	5	5	X
fsr-3437	55	3	)	)	PUNCT
fsr-3437	55	4	the	the	DET
fsr-3437	55	5	first	first	ADJ
fsr-3437	55	6	page	page	NOUN
fsr-3437	55	7	of	of	ADP
fsr-3437	55	8	the	the	DET
fsr-3437	55	9	manuscript	manuscript	NOUN
fsr-3437	55	10	,	,	PUNCT
fsr-3437	55	11	the	the	DET
fsr-3437	55	12	title	title	NOUN
fsr-3437	55	13	page	page	NOUN
fsr-3437	55	14	,	,	PUNCT
fsr-3437	55	15	must	must	AUX
fsr-3437	55	16	contain	contain	VERB
fsr-3437	55	17	the	the	DET
fsr-3437	55	18	following	follow	VERB
fsr-3437	55	19	information	information	NOUN
fsr-3437	55	20	:	:	PUNCT
fsr-3437	55	21	(	(	PUNCT
fsr-3437	55	22	i	i	NOUN
fsr-3437	55	23	)	)	PUNCT
fsr-3437	55	24	the	the	DET
fsr-3437	55	25	title	title	NOUN
fsr-3437	55	26	;	;	PUNCT
fsr-3437	55	27	(	(	PUNCT
fsr-3437	55	28	ii	ii	NOUN
fsr-3437	55	29	)	)	PUNCT
fsr-3437	55	30	the	the	DET
fsr-3437	55	31	name(s	name(s	NOUN
fsr-3437	55	32	)	)	PUNCT
fsr-3437	55	33	,	,	PUNCT
fsr-3437	55	34	title	title	NOUN
fsr-3437	55	35	,	,	PUNCT
fsr-3437	55	36	institutional	institutional	ADJ
fsr-3437	55	37	affiliation(s	affiliation(s	NOUN
fsr-3437	55	38	)	)	PUNCT
fsr-3437	55	39	,	,	PUNCT
fsr-3437	55	40	address	address	NOUN
fsr-3437	55	41	,	,	PUNCT
fsr-3437	55	42	telephone	telephone	NOUN
fsr-3437	55	43	number	number	NOUN
fsr-3437	55	44	,	,	PUNCT
fsr-3437	55	45	fax	fax	NOUN
fsr-3437	55	46	number	number	NOUN
fsr-3437	55	47	and	and	CCONJ
fsr-3437	55	48	e	e	NOUN
fsr-3437	55	49	-	-	NOUN
fsr-3437	55	50	mail	mail	NOUN
fsr-3437	55	51	addresses	address	NOUN
fsr-3437	55	52	of	of	ADP
fsr-3437	55	53	all	all	DET
fsr-3437	55	54	the	the	DET
fsr-3437	55	55	author(s	author(s	NOUN
fsr-3437	55	56	)	)	PUNCT
fsr-3437	55	57	with	with	ADP
fsr-3437	55	58	a	a	DET
fsr-3437	55	59	clear	clear	ADJ
fsr-3437	55	60	indication	indication	NOUN
fsr-3437	55	61	of	of	ADP
fsr-3437	55	62	which	which	PRON
fsr-3437	55	63	is	be	AUX
fsr-3437	55	64	the	the	DET
fsr-3437	55	65	corresponding	corresponding	ADJ
fsr-3437	55	66	author	author	NOUN
fsr-3437	55	67	;	;	PUNCT
fsr-3437	55	68	(	(	PUNCT
fsr-3437	55	69	iii	iii	NOUN
fsr-3437	55	70	)	)	PUNCT
fsr-3437	55	71	at	at	ADP
fsr-3437	55	72	least	least	ADJ
fsr-3437	55	73	one	one	NUM
fsr-3437	55	74	classification	classification	NOUN
fsr-3437	55	75	code	code	NOUN
fsr-3437	55	76	according	accord	VERB
fsr-3437	55	77	to	to	ADP
fsr-3437	55	78	the	the	DET
fsr-3437	55	79	classification	classification	NOUN
fsr-3437	55	80	system	system	NOUN
fsr-3437	55	81	for	for	ADP
fsr-3437	55	82	journal	journal	ADJ
fsr-3437	55	83	articles	article	NOUN
fsr-3437	55	84	as	as	SCONJ
fsr-3437	55	85	used	use	VERB
fsr-3437	55	86	by	by	ADP
fsr-3437	55	87	the	the	DET
fsr-3437	55	88	journal	journal	NOUN
fsr-3437	55	89	of	of	ADP
fsr-3437	55	90	economic	economic	ADJ
fsr-3437	55	91	literature	literature	NOUN
fsr-3437	55	92	,	,	PUNCT
fsr-3437	55	93	which	which	PRON
fsr-3437	55	94	can	can	AUX
fsr-3437	55	95	be	be	AUX
fsr-3437	55	96	found	find	VERB
fsr-3437	55	97	at	at	ADP
fsr-3437	55	98	http://www.aeaweb.org/journal/elclasjn.html	http://www.aeaweb.org/journal/elclasjn.html	PROPN
fsr-3437	55	99	;	;	PUNCT
fsr-3437	55	100	in	in	ADP
fsr-3437	55	101	addition	addition	NOUN
fsr-3437	55	102	,	,	PUNCT
fsr-3437	55	103	up	up	ADP
fsr-3437	55	104	to	to	PART
fsr-3437	55	105	five	five	NUM
fsr-3437	55	106	key	key	ADJ
fsr-3437	55	107	words	word	NOUN
fsr-3437	55	108	should	should	AUX
fsr-3437	55	109	be	be	AUX
fsr-3437	55	110	supplied	supply	VERB
fsr-3437	55	111	.	.	PUNCT
fsr-3437	56	1	(	(	PUNCT
fsr-3437	56	2	6	6	X
fsr-3437	56	3	)	)	PUNCT
fsr-3437	56	4	information	information	NOUN
fsr-3437	56	5	on	on	ADP
fsr-3437	56	6	grants	grant	NOUN
fsr-3437	56	7	received	receive	VERB
fsr-3437	56	8	can	can	AUX
fsr-3437	56	9	be	be	AUX
fsr-3437	56	10	given	give	VERB
fsr-3437	56	11	in	in	ADP
fsr-3437	56	12	a	a	DET
fsr-3437	56	13	footnote	footnote	NOUN
fsr-3437	56	14	on	on	ADP
fsr-3437	56	15	the	the	DET
fsr-3437	56	16	title	title	NOUN
fsr-3437	56	17	page	page	NOUN
fsr-3437	56	18	.	.	PUNCT
fsr-3437	57	1	(	(	PUNCT
fsr-3437	57	2	7	7	X
fsr-3437	57	3	)	)	PUNCT
fsr-3437	57	4	the	the	DET
fsr-3437	57	5	abstract	abstract	NOUN
fsr-3437	57	6	,	,	PUNCT
fsr-3437	57	7	consisting	consist	VERB
fsr-3437	57	8	of	of	ADP
fsr-3437	57	9	no	no	DET
fsr-3437	57	10	more	more	ADJ
fsr-3437	57	11	than	than	ADP
fsr-3437	57	12	100	100	NUM
fsr-3437	57	13	words	word	NOUN
fsr-3437	57	14	,	,	PUNCT
fsr-3437	57	15	should	should	AUX
fsr-3437	57	16	appear	appear	VERB
fsr-3437	57	17	alone	alone	ADJ
fsr-3437	57	18	on	on	ADP
fsr-3437	57	19	page	page	NOUN
fsr-3437	57	20	2	2	NUM
fsr-3437	57	21	,	,	PUNCT
fsr-3437	57	22	titled	title	VERB
fsr-3437	57	23	,	,	PUNCT
fsr-3437	57	24	abstract	abstract	ADJ
fsr-3437	57	25	.	.	PUNCT
fsr-3437	58	1	(	(	PUNCT
fsr-3437	58	2	8)	8)	NUM
fsr-3437	58	3	footnotes	footnote	NOUN
fsr-3437	58	4	should	should	AUX
fsr-3437	58	5	be	be	AUX
fsr-3437	58	6	kept	keep	VERB
fsr-3437	58	7	to	to	ADP
fsr-3437	58	8	a	a	DET
fsr-3437	58	9	minimum	minimum	NOUN
fsr-3437	58	10	and	and	CCONJ
fsr-3437	58	11	should	should	AUX
fsr-3437	58	12	only	only	ADV
fsr-3437	58	13	contain	contain	VERB
fsr-3437	58	14	material	material	NOUN
fsr-3437	58	15	that	that	PRON
fsr-3437	58	16	is	be	AUX
fsr-3437	58	17	not	not	PART
fsr-3437	58	18	essential	essential	ADJ
fsr-3437	58	19	to	to	ADP
fsr-3437	58	20	the	the	DET
fsr-3437	58	21	understanding	understanding	NOUN
fsr-3437	58	22	of	of	ADP
fsr-3437	58	23	the	the	DET
fsr-3437	58	24	article	article	NOUN
fsr-3437	58	25	.	.	PUNCT
fsr-3437	59	1	as	as	ADP
fsr-3437	59	2	a	a	DET
fsr-3437	59	3	rule	rule	NOUN
fsr-3437	59	4	of	of	ADP
fsr-3437	59	5	thumb	thumb	NOUN
fsr-3437	59	6	,	,	PUNCT
fsr-3437	59	7	have	have	VERB
fsr-3437	59	8	one	one	NUM
fsr-3437	59	9	or	or	CCONJ
fsr-3437	59	10	less	less	ADJ
fsr-3437	59	11	footnote	footnote	NOUN
fsr-3437	59	12	,	,	PUNCT
fsr-3437	59	13	on	on	ADP
fsr-3437	59	14	average	average	ADJ
fsr-3437	59	15	,	,	PUNCT
fsr-3437	59	16	per	per	ADP
fsr-3437	59	17	two	two	NUM
fsr-3437	59	18	pages	page	NOUN
fsr-3437	59	19	of	of	ADP
fsr-3437	59	20	text	text	NOUN
fsr-3437	59	21	.	.	PUNCT
fsr-3437	60	1	(	(	PUNCT
fsr-3437	60	2	9	9	X
fsr-3437	60	3	)	)	PUNCT
fsr-3437	60	4	displayed	display	VERB
fsr-3437	60	5	formulae	formulae	NOUN
fsr-3437	60	6	should	should	AUX
fsr-3437	60	7	be	be	AUX
fsr-3437	60	8	numbered	number	VERB
fsr-3437	60	9	consecutively	consecutively	ADV
fsr-3437	60	10	throughout	throughout	ADP
fsr-3437	60	11	the	the	DET
fsr-3437	60	12	manuscript	manuscript	NOUN
fsr-3437	60	13	as	as	ADP
fsr-3437	60	14	(	(	PUNCT
fsr-3437	60	15	1	1	NUM
fsr-3437	60	16	)	)	PUNCT
fsr-3437	60	17	,	,	PUNCT
fsr-3437	60	18	(	(	PUNCT
fsr-3437	60	19	2	2	NUM
fsr-3437	60	20	)	)	PUNCT
fsr-3437	60	21	,	,	PUNCT
fsr-3437	60	22	etc	etc	X
fsr-3437	60	23	.	.	X
fsr-3437	60	24	against	against	ADP
fsr-3437	60	25	the	the	DET
fsr-3437	60	26	right	right	ADJ
fsr-3437	60	27	-	-	PUNCT
fsr-3437	60	28	hand	hand	NOUN
fsr-3437	60	29	margin	margin	NOUN
fsr-3437	60	30	of	of	ADP
fsr-3437	60	31	the	the	DET
fsr-3437	60	32	page	page	NOUN
fsr-3437	60	33	.	.	PUNCT
fsr-3437	61	1	in	in	ADP
fsr-3437	61	2	cases	case	NOUN
fsr-3437	61	3	where	where	SCONJ
fsr-3437	61	4	the	the	DET
fsr-3437	61	5	derivation	derivation	NOUN
fsr-3437	61	6	of	of	ADP
fsr-3437	61	7	formulae	formulae	NOUN
fsr-3437	61	8	has	have	AUX
fsr-3437	61	9	been	be	AUX
fsr-3437	61	10	abbreviated	abbreviate	VERB
fsr-3437	61	11	,	,	PUNCT
fsr-3437	61	12	it	it	PRON
fsr-3437	61	13	is	be	AUX
fsr-3437	61	14	of	of	ADP
fsr-3437	61	15	great	great	ADJ
fsr-3437	61	16	help	help	NOUN
fsr-3437	61	17	to	to	ADP
fsr-3437	61	18	the	the	DET
fsr-3437	61	19	referees	referee	NOUN
fsr-3437	61	20	if	if	SCONJ
fsr-3437	61	21	the	the	DET
fsr-3437	61	22	full	full	ADJ
fsr-3437	61	23	derivation	derivation	NOUN
fsr-3437	61	24	can	can	AUX
fsr-3437	61	25	be	be	AUX
fsr-3437	61	26	presented	present	VERB
fsr-3437	61	27	on	on	ADP
fsr-3437	61	28	a	a	DET
fsr-3437	61	29	separate	separate	ADJ
fsr-3437	61	30	sheet	sheet	NOUN
fsr-3437	61	31	(	(	PUNCT
fsr-3437	61	32	not	not	PART
fsr-3437	61	33	to	to	PART
fsr-3437	61	34	be	be	AUX
fsr-3437	61	35	published	publish	VERB
fsr-3437	61	36	)	)	PUNCT
fsr-3437	61	37	.	.	PUNCT
fsr-3437	62	1	(	(	PUNCT
fsr-3437	62	2	10	10	NUM
fsr-3437	62	3	)	)	PUNCT
fsr-3437	62	4	the	the	DET
fsr-3437	62	5	financial	financial	PROPN
fsr-3437	62	6	services	service	NOUN
fsr-3437	62	7	review	review	NOUN
fsr-3437	62	8	journal	journal	PROPN
fsr-3437	62	9	(	(	PUNCT
fsr-3437	62	10	fsr	fsr	PROPN
fsr-3437	62	11	)	)	PUNCT
fsr-3437	62	12	follows	follow	VERB
fsr-3437	62	13	the	the	DET
fsr-3437	62	14	apa	apa	PROPN
fsr-3437	62	15	publication	publication	NOUN
fsr-3437	62	16	manual	manual	NOUN
fsr-3437	62	17	,	,	PUNCT
fsr-3437	62	18	6th	6th	ADJ
fsr-3437	62	19	edition	edition	NOUN
fsr-3437	62	20	,	,	PUNCT
fsr-3437	62	21	style	style	NOUN
fsr-3437	62	22	.	.	PUNCT
fsr-3437	63	1	however	however	ADV
fsr-3437	63	2	,	,	PUNCT
fsr-3437	63	3	consistent	consistent	ADJ
fsr-3437	63	4	with	with	ADP
fsr-3437	63	5	the	the	DET
fsr-3437	63	6	current	current	ADJ
fsr-3437	63	7	trend	trend	NOUN
fsr-3437	63	8	followed	follow	VERB
fsr-3437	63	9	by	by	ADP
fsr-3437	63	10	other	other	ADJ
fsr-3437	63	11	publications	publication	NOUN
fsr-3437	63	12	in	in	ADP
fsr-3437	63	13	the	the	DET
fsr-3437	63	14	area	area	NOUN
fsr-3437	63	15	of	of	ADP
fsr-3437	63	16	finance	finance	NOUN
fsr-3437	63	17	,	,	PUNCT
fsr-3437	63	18	the	the	DET
fsr-3437	63	19	journal	journal	NOUN
fsr-3437	63	20	has	have	VERB
fsr-3437	63	21	a	a	DET
fsr-3437	63	22	very	very	ADV
fsr-3437	63	23	strong	strong	ADJ
fsr-3437	63	24	preference	preference	NOUN
fsr-3437	63	25	for	for	ADP
fsr-3437	63	26	articles	article	NOUN
fsr-3437	63	27	that	that	PRON
fsr-3437	63	28	are	be	AUX
fsr-3437	63	29	written	write	VERB
fsr-3437	63	30	in	in	ADP
fsr-3437	63	31	the	the	DET
fsr-3437	63	32	present	present	ADJ
fsr-3437	63	33	tense	tense	ADJ
fsr-3437	63	34	throughout	throughout	NOUN
fsr-3437	63	35	.	.	PUNCT
fsr-3437	64	1	references	reference	NOUN
fsr-3437	64	2	to	to	ADP
fsr-3437	64	3	publications	publication	NOUN
fsr-3437	64	4	should	should	AUX
fsr-3437	64	5	be	be	AUX
fsr-3437	64	6	as	as	SCONJ
fsr-3437	64	7	follows	follow	VERB
fsr-3437	64	8	:	:	PUNCT
fsr-3437	64	9	“	"	PUNCT
fsr-3437	64	10	smith	smith	NOUN
fsr-3437	64	11	(	(	PUNCT
fsr-3437	64	12	1992	1992	NUM
fsr-3437	64	13	)	)	PUNCT
fsr-3437	64	14	reports	report	VERB
fsr-3437	64	15	that	that	SCONJ
fsr-3437	64	16	”	"	PUNCT
fsr-3437	64	17	or	or	CCONJ
fsr-3437	64	18	“	"	PUNCT
fsr-3437	64	19	this	this	DET
fsr-3437	64	20	problem	problem	NOUN
fsr-3437	64	21	has	have	AUX
fsr-3437	64	22	been	be	AUX
fsr-3437	64	23	studied	study	VERB
fsr-3437	64	24	previously	previously	ADV
fsr-3437	64	25	(	(	PUNCT
fsr-3437	64	26	ho	ho	ADJ
fsr-3437	64	27	,	,	PUNCT
fsr-3437	64	28	milevsky	milevsky	NOUN
fsr-3437	64	29	,	,	PUNCT
fsr-3437	64	30	&	&	CCONJ
fsr-3437	64	31	robinson	robinson	PROPN
fsr-3437	64	32	,	,	PUNCT
fsr-3437	64	33	1999	1999	NUM
fsr-3437	64	34	)	)	PUNCT
fsr-3437	64	35	.	.	PUNCT
fsr-3437	64	36	”	"	PUNCT
fsr-3437	65	1	the	the	DET
fsr-3437	65	2	author	author	NOUN
fsr-3437	65	3	should	should	AUX
fsr-3437	65	4	make	make	VERB
fsr-3437	65	5	sure	sure	ADJ
fsr-3437	65	6	that	that	SCONJ
fsr-3437	65	7	there	there	PRON
fsr-3437	65	8	is	be	VERB
fsr-3437	65	9	a	a	DET
fsr-3437	65	10	strict	strict	ADJ
fsr-3437	65	11	one	one	NUM
fsr-3437	65	12	-	-	PUNCT
fsr-3437	65	13	to	to	ADP
fsr-3437	65	14	-	-	PUNCT
fsr-3437	65	15	one	one	NUM
fsr-3437	65	16	correspondence	correspondence	NOUN
fsr-3437	65	17	between	between	ADP
fsr-3437	65	18	the	the	DET
fsr-3437	65	19	names	name	NOUN
fsr-3437	65	20	and	and	CCONJ
fsr-3437	65	21	years	year	NOUN
fsr-3437	65	22	in	in	ADP
fsr-3437	65	23	the	the	DET
fsr-3437	65	24	text	text	NOUN
fsr-3437	65	25	and	and	CCONJ
fsr-3437	65	26	those	those	PRON
fsr-3437	65	27	on	on	ADP
fsr-3437	65	28	the	the	DET
fsr-3437	65	29	reference	reference	NOUN
fsr-3437	65	30	list	list	NOUN
fsr-3437	65	31	.	.	PUNCT
fsr-3437	66	1	the	the	DET
fsr-3437	66	2	list	list	NOUN
fsr-3437	66	3	of	of	ADP
fsr-3437	66	4	references	reference	NOUN
fsr-3437	66	5	should	should	AUX
fsr-3437	66	6	appear	appear	VERB
fsr-3437	66	7	at	at	ADP
fsr-3437	66	8	the	the	DET
fsr-3437	66	9	end	end	NOUN
fsr-3437	66	10	of	of	ADP
fsr-3437	66	11	the	the	DET
fsr-3437	66	12	main	main	ADJ
fsr-3437	66	13	text	text	NOUN
fsr-3437	66	14	(	(	PUNCT
fsr-3437	66	15	after	after	ADP
fsr-3437	66	16	any	any	DET
fsr-3437	66	17	appendices	appendix	NOUN
fsr-3437	66	18	,	,	PUNCT
fsr-3437	66	19	but	but	CCONJ
fsr-3437	66	20	before	before	ADP
fsr-3437	66	21	tables	table	NOUN
fsr-3437	66	22	and	and	CCONJ
fsr-3437	66	23	legends	legend	NOUN
fsr-3437	66	24	for	for	ADP
fsr-3437	66	25	figures	figure	NOUN
fsr-3437	66	26	)	)	PUNCT
fsr-3437	66	27	.	.	PUNCT
fsr-3437	67	1	it	it	PRON
fsr-3437	67	2	should	should	AUX
fsr-3437	67	3	be	be	AUX
fsr-3437	67	4	double	double	ADV
fsr-3437	67	5	spaced	space	VERB
fsr-3437	67	6	and	and	CCONJ
fsr-3437	67	7	listed	list	VERB
fsr-3437	67	8	in	in	ADP
fsr-3437	67	9	alphabetical	alphabetical	ADJ
fsr-3437	67	10	order	order	NOUN
fsr-3437	67	11	by	by	ADP
fsr-3437	67	12	author	author	NOUN
fsr-3437	67	13	’s	’s	PART
fsr-3437	67	14	name	name	NOUN
fsr-3437	67	15	.	.	PUNCT
fsr-3437	68	1	references	reference	NOUN
fsr-3437	68	2	should	should	AUX
fsr-3437	68	3	appear	appear	VERB
fsr-3437	68	4	as	as	SCONJ
fsr-3437	68	5	follows	follow	VERB
fsr-3437	68	6	:	:	PUNCT
fsr-3437	68	7	books	book	NOUN
fsr-3437	68	8	:	:	PUNCT
fsr-3437	68	9	hawawini	hawawini	X
fsr-3437	68	10	,	,	PUNCT
fsr-3437	68	11	g.	g.	PROPN
fsr-3437	68	12	&	&	CCONJ
fsr-3437	68	13	swary	swary	PROPN
fsr-3437	68	14	,	,	PUNCT
fsr-3437	68	15	i.	i.	NOUN
fsr-3437	68	16	(	(	PUNCT
fsr-3437	68	17	1990	1990	NUM
fsr-3437	68	18	)	)	PUNCT
fsr-3437	68	19	.	.	PUNCT
fsr-3437	69	1	mergers	merger	NOUN
fsr-3437	69	2	and	and	CCONJ
fsr-3437	69	3	acquisitions	acquisition	NOUN
fsr-3437	69	4	in	in	ADP
fsr-3437	69	5	the	the	DET
fsr-3437	69	6	u.s	u.s	PROPN
fsr-3437	69	7	.	.	PROPN
fsr-3437	69	8	banking	banking	NOUN
fsr-3437	69	9	industry	industry	NOUN
fsr-3437	69	10	:	:	PUNCT
fsr-3437	69	11	evidence	evidence	NOUN
fsr-3437	69	12	from	from	ADP
fsr-3437	69	13	the	the	DET
fsr-3437	69	14	capital	capital	NOUN
fsr-3437	69	15	markets	market	NOUN
fsr-3437	69	16	.	.	PUNCT
fsr-3437	70	1	amsterdam	amsterdam	PROPN
fsr-3437	70	2	:	:	PUNCT
fsr-3437	70	3	north	north	PROPN
fsr-3437	70	4	holland	holland	PROPN
fsr-3437	70	5	.	.	PUNCT
fsr-3437	71	1	chapter	chapter	NOUN
fsr-3437	71	2	in	in	ADP
fsr-3437	71	3	a	a	DET
fsr-3437	71	4	book	book	NOUN
fsr-3437	71	5	:	:	PUNCT
fsr-3437	71	6	brunner	brunner	PROPN
fsr-3437	71	7	,	,	PUNCT
fsr-3437	71	8	k.	k.	PROPN
fsr-3437	71	9	&	&	CCONJ
fsr-3437	71	10	meltzer	meltzer	PROPN
fsr-3437	71	11	,	,	PUNCT
fsr-3437	71	12	a.	a.	PROPN
fsr-3437	71	13	h.	h.	PROPN
fsr-3437	71	14	(	(	PUNCT
fsr-3437	71	15	1990	1990	NUM
fsr-3437	71	16	)	)	PUNCT
fsr-3437	71	17	.	.	PUNCT
fsr-3437	72	1	money	money	NOUN
fsr-3437	72	2	supply	supply	NOUN
fsr-3437	72	3	.	.	PUNCT
fsr-3437	73	1	in	in	ADP
fsr-3437	73	2	:	:	PUNCT
fsr-3437	73	3	b.	b.	PROPN
fsr-3437	73	4	m.	m.	PROPN
fsr-3437	73	5	friedman	friedman	PROPN
fsr-3437	73	6	&	&	CCONJ
fsr-3437	73	7	f.	f.	PROPN
fsr-3437	73	8	h.	h.	PROPN
fsr-3437	73	9	hahn	hahn	PROPN
fsr-3437	73	10	(	(	PUNCT
fsr-3437	73	11	eds	eds	PROPN
fsr-3437	73	12	.	.	PUNCT
fsr-3437	73	13	)	)	PUNCT
fsr-3437	73	14	,	,	PUNCT
fsr-3437	73	15	handbook	handbook	NOUN
fsr-3437	73	16	of	of	ADP
fsr-3437	73	17	monetary	monetary	ADJ
fsr-3437	73	18	economics	economic	NOUN
fsr-3437	73	19	(	(	PUNCT
fsr-3437	73	20	vol	vol	NOUN
fsr-3437	73	21	.	.	PROPN
fsr-3437	73	22	1	1	NUM
fsr-3437	73	23	,	,	PUNCT
fsr-3437	73	24	pp	pp	ADJ
fsr-3437	73	25	.	.	PUNCT
fsr-3437	73	26	357	357	NUM
fsr-3437	73	27	-	-	SYM
fsr-3437	73	28	396	396	NUM
fsr-3437	73	29	)	)	PUNCT
fsr-3437	73	30	.	.	PUNCT
fsr-3437	74	1	amsterdam	amsterdam	PROPN
fsr-3437	74	2	:	:	PUNCT
fsr-3437	74	3	north	north	PROPN
fsr-3437	74	4	holland	holland	PROPN
fsr-3437	74	5	.	.	PUNCT
fsr-3437	75	1	periodicals	periodical	NOUN
fsr-3437	75	2	:	:	PUNCT
fsr-3437	75	3	ang	ang	PROPN
fsr-3437	75	4	,	,	PUNCT
fsr-3437	75	5	j.	j.	PROPN
fsr-3437	75	6	s.	s.	PROPN
fsr-3437	75	7	&	&	CCONJ
fsr-3437	75	8	fatemi	fatemi	PROPN
fsr-3437	75	9	,	,	PUNCT
fsr-3437	75	10	a.	a.	NOUN
fsr-3437	75	11	m.	m.	NOUN
fsr-3437	75	12	(	(	PUNCT
fsr-3437	75	13	1997	1997	NUM
fsr-3437	75	14	)	)	PUNCT
fsr-3437	75	15	.	.	PUNCT
fsr-3437	76	1	personal	personal	ADJ
fsr-3437	76	2	bankruptcy	bankruptcy	NOUN
fsr-3437	76	3	costs	cost	NOUN
fsr-3437	76	4	:	:	PUNCT
fsr-3437	76	5	their	their	PRON
fsr-3437	76	6	relevance	relevance	NOUN
fsr-3437	76	7	and	and	CCONJ
fsr-3437	76	8	some	some	DET
fsr-3437	76	9	estimates	estimate	NOUN
fsr-3437	76	10	.	.	PUNCT
fsr-3437	77	1	financial	financial	ADJ
fsr-3437	77	2	services	service	NOUN
fsr-3437	77	3	review	review	PROPN
fsr-3437	77	4	,	,	PUNCT
fsr-3437	77	5	6	6	NUM
fsr-3437	77	6	,	,	PUNCT
fsr-3437	77	7	77	77	NUM
fsr-3437	77	8	-	-	SYM
fsr-3437	77	9	96	96	NUM
fsr-3437	77	10	.	.	PUNCT
fsr-3437	78	1	note	note	VERB
fsr-3437	78	2	that	that	SCONJ
fsr-3437	78	3	journal	journal	PROPN
fsr-3437	78	4	titles	title	NOUN
fsr-3437	78	5	should	should	AUX
fsr-3437	78	6	not	not	PART
fsr-3437	78	7	be	be	AUX
fsr-3437	78	8	abbreviated	abbreviate	VERB
fsr-3437	78	9	.	.	PUNCT
fsr-3437	79	1	(	(	PUNCT
fsr-3437	79	2	11	11	NUM
fsr-3437	79	3	)	)	PUNCT
fsr-3437	79	4	illustrations	illustration	NOUN
fsr-3437	79	5	will	will	AUX
fsr-3437	79	6	be	be	AUX
fsr-3437	79	7	reproduced	reproduce	VERB
fsr-3437	79	8	photographically	photographically	ADV
fsr-3437	79	9	from	from	ADP
fsr-3437	79	10	originals	original	NOUN
fsr-3437	79	11	supplied	supply	VERB
fsr-3437	79	12	by	by	ADP
fsr-3437	79	13	the	the	DET
fsr-3437	79	14	author	author	NOUN
fsr-3437	79	15	;	;	PUNCT
fsr-3437	79	16	they	they	PRON
fsr-3437	79	17	will	will	AUX
fsr-3437	79	18	not	not	PART
fsr-3437	79	19	be	be	AUX
fsr-3437	79	20	redrawn	redrawn	VERB
fsr-3437	79	21	by	by	ADP
fsr-3437	79	22	the	the	DET
fsr-3437	79	23	publisher	publisher	NOUN
fsr-3437	79	24	.	.	PUNCT
fsr-3437	80	1	please	please	INTJ
fsr-3437	80	2	provide	provide	VERB
fsr-3437	80	3	all	all	DET
fsr-3437	80	4	illustrations	illustration	NOUN
fsr-3437	80	5	in	in	ADP
fsr-3437	80	6	quadruplicate	quadruplicate	NOUN
fsr-3437	80	7	(	(	PUNCT
fsr-3437	80	8	one	one	NUM
fsr-3437	80	9	high	high	ADJ
fsr-3437	80	10	-	-	PUNCT
fsr-3437	80	11	contrast	contrast	NOUN
fsr-3437	80	12	original	original	ADJ
fsr-3437	80	13	and	and	CCONJ
fsr-3437	80	14	three	three	NUM
fsr-3437	80	15	photocopies	photocopy	NOUN
fsr-3437	80	16	)	)	PUNCT
fsr-3437	80	17	.	.	PUNCT
fsr-3437	81	1	care	care	NOUN
fsr-3437	81	2	should	should	AUX
fsr-3437	81	3	be	be	AUX
fsr-3437	81	4	taken	take	VERB
fsr-3437	81	5	that	that	DET
fsr-3437	81	6	lettering	lettering	NOUN
fsr-3437	81	7	and	and	CCONJ
fsr-3437	81	8	symbols	symbol	NOUN
fsr-3437	81	9	are	be	AUX
fsr-3437	81	10	of	of	ADP
fsr-3437	81	11	a	a	DET
fsr-3437	81	12	comparable	comparable	ADJ
fsr-3437	81	13	size	size	NOUN
fsr-3437	81	14	.	.	PUNCT
fsr-3437	82	1	the	the	DET
fsr-3437	82	2	illustrations	illustration	NOUN
fsr-3437	82	3	should	should	AUX
fsr-3437	82	4	not	not	PART
fsr-3437	82	5	be	be	AUX
fsr-3437	82	6	inserted	insert	VERB
fsr-3437	82	7	in	in	ADP
fsr-3437	82	8	the	the	DET
fsr-3437	82	9	text	text	NOUN
fsr-3437	82	10	,	,	PUNCT
fsr-3437	82	11	and	and	CCONJ
fsr-3437	82	12	should	should	AUX
fsr-3437	82	13	be	be	AUX
fsr-3437	82	14	marked	mark	VERB
fsr-3437	82	15	on	on	ADP
fsr-3437	82	16	the	the	DET
fsr-3437	82	17	back	back	NOUN
fsr-3437	82	18	with	with	ADP
fsr-3437	82	19	figure	figure	NOUN
fsr-3437	82	20	number	number	NOUN
fsr-3437	82	21	,	,	PUNCT
fsr-3437	82	22	title	title	NOUN
fsr-3437	82	23	of	of	ADP
fsr-3437	82	24	paper	paper	NOUN
fsr-3437	82	25	,	,	PUNCT
fsr-3437	82	26	and	and	CCONJ
fsr-3437	82	27	author	author	NOUN
fsr-3437	82	28	’s	’s	PART
fsr-3437	82	29	name	name	NOUN
fsr-3437	82	30	.	.	PUNCT
fsr-3437	83	1	all	all	DET
fsr-3437	83	2	graphs	graph	NOUN
fsr-3437	83	3	and	and	CCONJ
fsr-3437	83	4	diagrams	diagram	NOUN
fsr-3437	83	5	should	should	AUX
fsr-3437	83	6	be	be	AUX
fsr-3437	83	7	referred	refer	VERB
fsr-3437	83	8	to	to	ADP
fsr-3437	83	9	as	as	ADP
fsr-3437	83	10	figures	figure	NOUN
fsr-3437	83	11	,	,	PUNCT
fsr-3437	83	12	and	and	CCONJ
fsr-3437	83	13	should	should	AUX
fsr-3437	83	14	be	be	AUX
fsr-3437	83	15	numbered	number	VERB
fsr-3437	83	16	consecutively	consecutively	ADV
fsr-3437	83	17	in	in	ADP
fsr-3437	83	18	the	the	DET
fsr-3437	83	19	text	text	NOUN
fsr-3437	83	20	in	in	ADP
fsr-3437	83	21	arabic	arabic	ADJ
fsr-3437	83	22	numerals	numeral	NOUN
fsr-3437	83	23	.	.	PUNCT
fsr-3437	84	1	illustration	illustration	NOUN
fsr-3437	84	2	for	for	ADP
fsr-3437	84	3	papers	paper	NOUN
fsr-3437	84	4	submitted	submit	VERB
fsr-3437	84	5	as	as	ADP
fsr-3437	84	6	electronic	electronic	ADJ
fsr-3437	84	7	manuscripts	manuscript	NOUN
fsr-3437	84	8	should	should	AUX
fsr-3437	84	9	be	be	AUX
fsr-3437	84	10	in	in	ADP
fsr-3437	84	11	traditional	traditional	ADJ
fsr-3437	84	12	form	form	NOUN
fsr-3437	84	13	.	.	PUNCT
fsr-3437	85	1	the	the	DET
fsr-3437	85	2	journal	journal	NOUN
fsr-3437	85	3	is	be	AUX
fsr-3437	85	4	not	not	PART
fsr-3437	85	5	printed	print	VERB
fsr-3437	85	6	in	in	ADP
fsr-3437	85	7	color	color	NOUN
fsr-3437	85	8	,	,	PUNCT
fsr-3437	85	9	so	so	ADV
fsr-3437	85	10	all	all	DET
fsr-3437	85	11	graphs	graph	NOUN
fsr-3437	85	12	and	and	CCONJ
fsr-3437	85	13	illustrations	illustration	NOUN
fsr-3437	85	14	should	should	AUX
fsr-3437	85	15	be	be	AUX
fsr-3437	85	16	in	in	ADP
fsr-3437	85	17	black	black	ADJ
fsr-3437	85	18	and	and	CCONJ
fsr-3437	85	19	white	white	ADJ
fsr-3437	85	20	.	.	PUNCT
fsr-3437	86	1	(	(	PUNCT
fsr-3437	86	2	12	12	NUM
fsr-3437	86	3	)	)	PUNCT
fsr-3437	86	4	tables	table	NOUN
fsr-3437	86	5	should	should	AUX
fsr-3437	86	6	be	be	AUX
fsr-3437	86	7	numbered	number	VERB
fsr-3437	86	8	consecutively	consecutively	ADV
fsr-3437	86	9	in	in	ADP
fsr-3437	86	10	the	the	DET
fsr-3437	86	11	text	text	NOUN
fsr-3437	86	12	in	in	ADP
fsr-3437	86	13	arabic	arabic	ADJ
fsr-3437	86	14	numerals	numeral	NOUN
fsr-3437	86	15	and	and	CCONJ
fsr-3437	86	16	printed	print	VERB
fsr-3437	86	17	on	on	ADP
fsr-3437	86	18	separate	separate	ADJ
fsr-3437	86	19	sheets	sheet	NOUN
fsr-3437	86	20	.	.	PUNCT
fsr-3437	87	1	any	any	DET
fsr-3437	87	2	manuscript	manuscript	NOUN
fsr-3437	87	3	which	which	PRON
fsr-3437	87	4	does	do	AUX
fsr-3437	87	5	not	not	PART
fsr-3437	87	6	conform	conform	VERB
fsr-3437	87	7	to	to	ADP
fsr-3437	87	8	the	the	DET
fsr-3437	87	9	above	above	ADJ
fsr-3437	87	10	instructions	instruction	NOUN
fsr-3437	87	11	will	will	AUX
fsr-3437	87	12	be	be	AUX
fsr-3437	87	13	returned	return	VERB
fsr-3437	87	14	for	for	ADP
fsr-3437	87	15	the	the	DET
fsr-3437	87	16	necessary	necessary	ADJ
fsr-3437	87	17	revision	revision	NOUN
fsr-3437	87	18	before	before	ADP
fsr-3437	87	19	publication	publication	NOUN
fsr-3437	87	20	.	.	PUNCT
fsr-3437	88	1	page	page	NOUN
fsr-3437	88	2	proofs	proof	NOUN
fsr-3437	88	3	will	will	AUX
fsr-3437	88	4	be	be	AUX
fsr-3437	88	5	sent	send	VERB
fsr-3437	88	6	to	to	ADP
fsr-3437	88	7	the	the	DET
fsr-3437	88	8	corresponding	corresponding	ADJ
fsr-3437	88	9	author	author	NOUN
fsr-3437	88	10	.	.	PUNCT
fsr-3437	89	1	proofs	proof	NOUN
fsr-3437	89	2	should	should	AUX
fsr-3437	89	3	be	be	AUX
fsr-3437	89	4	corrected	correct	VERB
fsr-3437	89	5	carefully	carefully	ADV
fsr-3437	89	6	;	;	PUNCT
fsr-3437	89	7	the	the	DET
fsr-3437	89	8	responsibility	responsibility	NOUN
fsr-3437	89	9	for	for	ADP
fsr-3437	89	10	detecting	detect	VERB
fsr-3437	89	11	errors	error	NOUN
fsr-3437	89	12	lies	lie	VERB
fsr-3437	89	13	with	with	ADP
fsr-3437	89	14	the	the	DET
fsr-3437	89	15	author	author	NOUN
fsr-3437	89	16	.	.	PUNCT
fsr-3437	90	1	corrections	correction	NOUN
fsr-3437	90	2	should	should	AUX
fsr-3437	90	3	be	be	AUX
fsr-3437	90	4	restricted	restrict	VERB
fsr-3437	90	5	to	to	ADP
fsr-3437	90	6	instances	instance	NOUN
fsr-3437	90	7	in	in	ADP
fsr-3437	90	8	which	which	PRON
fsr-3437	90	9	the	the	DET
fsr-3437	90	10	proof	proof	NOUN
fsr-3437	90	11	is	be	AUX
fsr-3437	90	12	at	at	ADP
fsr-3437	90	13	variance	variance	NOUN
fsr-3437	90	14	with	with	ADP
fsr-3437	90	15	the	the	DET
fsr-3437	90	16	manuscript	manuscript	NOUN
fsr-3437	90	17	.	.	PUNCT
fsr-3437	91	1	extensive	extensive	ADJ
fsr-3437	91	2	alterations	alteration	NOUN
fsr-3437	91	3	will	will	AUX
fsr-3437	91	4	be	be	AUX
fsr-3437	91	5	charged	charge	VERB
fsr-3437	91	6	.	.	PUNCT
fsr-3437	92	1	reprints	reprint	NOUN
fsr-3437	92	2	of	of	ADP
fsr-3437	92	3	your	your	PRON
fsr-3437	92	4	article	article	NOUN
fsr-3437	92	5	are	be	AUX
fsr-3437	92	6	available	available	ADJ
fsr-3437	92	7	at	at	ADP
fsr-3437	92	8	cost	cost	NOUN
fsr-3437	92	9	if	if	SCONJ
fsr-3437	92	10	they	they	PRON
fsr-3437	92	11	are	be	AUX
fsr-3437	92	12	ordered	order	VERB
fsr-3437	92	13	when	when	SCONJ
fsr-3437	92	14	the	the	DET
fsr-3437	92	15	proof	proof	NOUN
fsr-3437	92	16	is	be	AUX
fsr-3437	92	17	returned	return	VERB
fsr-3437	92	18	.	.	PUNCT
fsr-3437	93	1	financial	financial	ADJ
fsr-3437	93	2	services	service	NOUN
fsr-3437	93	3	review	review	NOUN
fsr-3437	93	4	(	(	PUNCT
fsr-3437	93	5	issn	issn	PROPN
fsr-3437	93	6	:	:	PUNCT
fsr-3437	93	7	1057	1057	NUM
fsr-3437	93	8	-	-	SYM
fsr-3437	93	9	0810	0810	NUM
fsr-3437	93	10	)	)	PUNCT
fsr-3437	93	11	academy	academy	NOUN
fsr-3437	93	12	of	of	ADP
fsr-3437	93	13	financial	financial	PROPN
fsr-3437	93	14	services	service	NOUN
fsr-3437	93	15	stuart	stuart	PROPN
fsr-3437	93	16	michelson	michelson	PROPN
fsr-3437	93	17	stetson	stetson	PROPN
fsr-3437	93	18	university	university	PROPN
fsr-3437	93	19	school	school	NOUN
fsr-3437	93	20	of	of	ADP
fsr-3437	93	21	business	business	NOUN
fsr-3437	93	22	421	421	NUM
fsr-3437	93	23	n.	n.	PROPN
fsr-3437	93	24	woodland	woodland	PROPN
fsr-3437	93	25	blvd	blvd	PROPN
fsr-3437	93	26	.	.	PUNCT
fsr-3437	94	1	unit	unit	NOUN
fsr-3437	94	2	8398	8398	NUM
fsr-3437	94	3	deland	deland	PROPN
fsr-3437	94	4	,	,	PUNCT
fsr-3437	94	5	fl	fl	PROPN
fsr-3437	94	6	32723	32723	NUM
fsr-3437	94	7	(	(	PUNCT
fsr-3437	94	8	address	address	NOUN
fsr-3437	94	9	service	service	NOUN
fsr-3437	94	10	requested	request	VERB
fsr-3437	94	11	)	)	PUNCT