id	sid	tid	token	lemma	pos
fsr-3440	1	1	from	from	ADP
fsr-3440	1	2	the	the	DET
fsr-3440	1	3	editor	editor	NOUN
fsr-3440	1	4	this	this	DET
fsr-3440	1	5	issue	issue	NOUN
fsr-3440	1	6	contains	contain	VERB
fsr-3440	1	7	volume	volume	NOUN
fsr-3440	1	8	29	29	NUM
fsr-3440	1	9	issue	issue	NOUN
fsr-3440	1	10	1	1	NUM
fsr-3440	1	11	of	of	ADP
fsr-3440	1	12	financial	financial	ADJ
fsr-3440	1	13	services	service	NOUN
fsr-3440	1	14	review	review	NOUN
fsr-3440	1	15	(	(	PUNCT
fsr-3440	1	16	fsr	fsr	PROPN
fsr-3440	1	17	)	)	PUNCT
fsr-3440	1	18	.	.	PUNCT
fsr-3440	2	1	i	i	PRON
fsr-3440	2	2	would	would	AUX
fsr-3440	2	3	like	like	VERB
fsr-3440	2	4	to	to	PART
fsr-3440	2	5	thank	thank	VERB
fsr-3440	2	6	the	the	DET
fsr-3440	2	7	board	board	NOUN
fsr-3440	2	8	and	and	CCONJ
fsr-3440	2	9	members	member	NOUN
fsr-3440	2	10	of	of	ADP
fsr-3440	2	11	the	the	DET
fsr-3440	2	12	academy	academy	NOUN
fsr-3440	2	13	of	of	ADP
fsr-3440	2	14	financial	financial	ADJ
fsr-3440	2	15	services	service	NOUN
fsr-3440	2	16	for	for	ADP
fsr-3440	2	17	their	their	PRON
fsr-3440	2	18	continued	continue	VERB
fsr-3440	2	19	support	support	NOUN
fsr-3440	2	20	.	.	PUNCT
fsr-3440	3	1	i	i	PRON
fsr-3440	3	2	continue	continue	VERB
fsr-3440	3	3	to	to	PART
fsr-3440	3	4	work	work	VERB
fsr-3440	3	5	in	in	ADP
fsr-3440	3	6	broadening	broaden	VERB
fsr-3440	3	7	the	the	DET
fsr-3440	3	8	scope	scope	NOUN
fsr-3440	3	9	of	of	ADP
fsr-3440	3	10	articles	article	NOUN
fsr-3440	3	11	,	,	PUNCT
fsr-3440	3	12	while	while	SCONJ
fsr-3440	3	13	still	still	ADV
fsr-3440	3	14	focusing	focus	VERB
fsr-3440	3	15	on	on	ADP
fsr-3440	3	16	individual	individual	ADJ
fsr-3440	3	17	financial	financial	ADJ
fsr-3440	3	18	management	management	NOUN
fsr-3440	3	19	and	and	CCONJ
fsr-3440	3	20	personal	personal	ADJ
fsr-3440	3	21	financial	financial	ADJ
fsr-3440	3	22	planning	planning	NOUN
fsr-3440	3	23	.	.	PUNCT
fsr-3440	4	1	i	i	PRON
fsr-3440	4	2	encourage	encourage	VERB
fsr-3440	4	3	authors	author	NOUN
fsr-3440	4	4	to	to	PART
fsr-3440	4	5	reach	reach	VERB
fsr-3440	4	6	out	out	ADP
fsr-3440	4	7	when	when	SCONJ
fsr-3440	4	8	discussing	discuss	VERB
fsr-3440	4	9	implications	implication	NOUN
fsr-3440	4	10	of	of	ADP
fsr-3440	4	11	their	their	PRON
fsr-3440	4	12	findings	finding	NOUN
fsr-3440	4	13	in	in	ADP
fsr-3440	4	14	a	a	DET
fsr-3440	4	15	more	more	ADV
fsr-3440	4	16	comprehensive	comprehensive	ADJ
fsr-3440	4	17	way	way	NOUN
fsr-3440	4	18	.	.	PUNCT
fsr-3440	5	1	as	as	SCONJ
fsr-3440	5	2	such	such	ADJ
fsr-3440	5	3	,	,	PUNCT
fsr-3440	5	4	all	all	DET
fsr-3440	5	5	articles	article	NOUN
fsr-3440	5	6	in	in	ADP
fsr-3440	5	7	the	the	DET
fsr-3440	5	8	journal	journal	NOUN
fsr-3440	5	9	more	more	ADV
fsr-3440	5	10	appropriately	appropriately	ADV
fsr-3440	5	11	relate	relate	VERB
fsr-3440	5	12	to	to	ADP
fsr-3440	5	13	financial	financial	ADJ
fsr-3440	5	14	planning	planning	NOUN
fsr-3440	5	15	issues	issue	NOUN
fsr-3440	5	16	.	.	PUNCT
fsr-3440	6	1	the	the	DET
fsr-3440	6	2	lead	lead	ADJ
fsr-3440	6	3	article	article	NOUN
fsr-3440	6	4	“	"	PUNCT
fsr-3440	6	5	optimism	optimism	NOUN
fsr-3440	6	6	,	,	PUNCT
fsr-3440	6	7	overconfidence	overconfidence	NOUN
fsr-3440	6	8	,	,	PUNCT
fsr-3440	6	9	and	and	CCONJ
fsr-3440	6	10	insurance	insurance	NOUN
fsr-3440	6	11	decisions	decision	NOUN
fsr-3440	6	12	”	"	PUNCT
fsr-3440	6	13	is	be	AUX
fsr-3440	6	14	coauthored	coauthore	VERB
fsr-3440	6	15	by	by	ADP
fsr-3440	6	16	jennifer	jennifer	PROPN
fsr-3440	6	17	coatsa	coatsa	NOUN
fsr-3440	6	18	and	and	CCONJ
fsr-3440	6	19	vickie	vickie	NOUN
fsr-3440	6	20	bajtelsmit	bajtelsmit	NOUN
fsr-3440	6	21	,	,	PUNCT
fsr-3440	6	22	both	both	PRON
fsr-3440	6	23	at	at	ADP
fsr-3440	6	24	colorado	colorado	PROPN
fsr-3440	6	25	state	state	PROPN
fsr-3440	6	26	university	university	PROPN
fsr-3440	6	27	.	.	PUNCT
fsr-3440	7	1	the	the	DET
fsr-3440	7	2	authors	author	NOUN
fsr-3440	7	3	present	present	VERB
fsr-3440	7	4	experimental	experimental	ADJ
fsr-3440	7	5	evidence	evidence	NOUN
fsr-3440	7	6	regarding	regard	VERB
fsr-3440	7	7	overconfidence	overconfidence	NOUN
fsr-3440	7	8	,	,	PUNCT
fsr-3440	7	9	optimism	optimism	NOUN
fsr-3440	7	10	and	and	CCONJ
fsr-3440	7	11	insurance	insurance	NOUN
fsr-3440	7	12	decisions	decision	NOUN
fsr-3440	7	13	.	.	PUNCT
fsr-3440	8	1	they	they	PRON
fsr-3440	8	2	distinguish	distinguish	VERB
fsr-3440	8	3	between	between	ADP
fsr-3440	8	4	an	an	DET
fsr-3440	8	5	individual	individual	NOUN
fsr-3440	8	6	’s	’s	PART
fsr-3440	8	7	optimism	optimism	NOUN
fsr-3440	8	8	bias	bias	NOUN
fsr-3440	8	9	and	and	CCONJ
fsr-3440	8	10	overconfidence	overconfidence	NOUN
fsr-3440	8	11	bias	bias	NOUN
fsr-3440	8	12	,	,	PUNCT
fsr-3440	8	13	a	a	DET
fsr-3440	8	14	contribution	contribution	NOUN
fsr-3440	8	15	particularly	particularly	ADV
fsr-3440	8	16	important	important	ADJ
fsr-3440	8	17	for	for	ADP
fsr-3440	8	18	understanding	understand	VERB
fsr-3440	8	19	insurance	insurance	NOUN
fsr-3440	8	20	decisions	decision	NOUN
fsr-3440	8	21	related	relate	VERB
fsr-3440	8	22	to	to	ADP
fsr-3440	8	23	risks	risk	NOUN
fsr-3440	8	24	beyond	beyond	ADP
fsr-3440	8	25	the	the	DET
fsr-3440	8	26	purchaser	purchaser	NOUN
fsr-3440	8	27	’s	’s	PART
fsr-3440	8	28	control	control	NOUN
fsr-3440	8	29	.	.	PUNCT
fsr-3440	9	1	their	their	PRON
fsr-3440	9	2	results	result	NOUN
fsr-3440	9	3	show	show	VERB
fsr-3440	9	4	that	that	SCONJ
fsr-3440	9	5	optimistic	optimistic	ADJ
fsr-3440	9	6	participants	participant	NOUN
fsr-3440	9	7	incur	incur	VERB
fsr-3440	9	8	a	a	DET
fsr-3440	9	9	higher	high	ADJ
fsr-3440	9	10	total	total	ADJ
fsr-3440	9	11	cost	cost	NOUN
fsr-3440	9	12	of	of	ADP
fsr-3440	9	13	risk	risk	NOUN
fsr-3440	9	14	and	and	CCONJ
fsr-3440	9	15	are	be	AUX
fsr-3440	9	16	more	more	ADV
fsr-3440	9	17	likely	likely	ADJ
fsr-3440	9	18	to	to	PART
fsr-3440	9	19	underinsure	underinsure	VERB
fsr-3440	9	20	than	than	ADP
fsr-3440	9	21	non	non	ADJ
fsr-3440	9	22	-	-	ADJ
fsr-3440	9	23	optimistic	optimistic	ADJ
fsr-3440	9	24	participants	participant	NOUN
fsr-3440	9	25	,	,	PUNCT
fsr-3440	9	26	even	even	ADV
fsr-3440	9	27	when	when	SCONJ
fsr-3440	9	28	purchasing	purchase	VERB
fsr-3440	9	29	insurance	insurance	NOUN
fsr-3440	9	30	maximizing	maximize	VERB
fsr-3440	9	31	expected	expect	VERB
fsr-3440	9	32	payoffs	payoff	NOUN
fsr-3440	9	33	.	.	PUNCT
fsr-3440	10	1	they	they	PRON
fsr-3440	10	2	also	also	ADV
fsr-3440	10	3	find	find	VERB
fsr-3440	10	4	that	that	SCONJ
fsr-3440	10	5	overconfidence	overconfidence	NOUN
fsr-3440	10	6	does	do	AUX
fsr-3440	10	7	not	not	PART
fsr-3440	10	8	significantly	significantly	ADV
fsr-3440	10	9	affect	affect	VERB
fsr-3440	10	10	the	the	DET
fsr-3440	10	11	decision	decision	NOUN
fsr-3440	10	12	to	to	PART
fsr-3440	10	13	insure	insure	VERB
fsr-3440	10	14	,	,	PUNCT
fsr-3440	10	15	participants	participant	NOUN
fsr-3440	10	16	with	with	ADP
fsr-3440	10	17	higher	high	ADJ
fsr-3440	10	18	overall	overall	ADJ
fsr-3440	10	19	overconfidence	overconfidence	NOUN
fsr-3440	10	20	show	show	VERB
fsr-3440	10	21	larger	large	ADJ
fsr-3440	10	22	differences	difference	NOUN
fsr-3440	10	23	in	in	ADP
fsr-3440	10	24	insurance	insurance	NOUN
fsr-3440	10	25	behavior	behavior	NOUN
fsr-3440	10	26	when	when	SCONJ
fsr-3440	10	27	the	the	DET
fsr-3440	10	28	risk	risk	NOUN
fsr-3440	10	29	of	of	ADP
fsr-3440	10	30	loss	loss	NOUN
fsr-3440	10	31	arises	arise	VERB
fsr-3440	10	32	from	from	ADP
fsr-3440	10	33	their	their	PRON
fsr-3440	10	34	own	own	ADJ
fsr-3440	10	35	mistakes	mistake	NOUN
fsr-3440	10	36	.	.	PUNCT
fsr-3440	11	1	the	the	DET
fsr-3440	11	2	second	second	ADJ
fsr-3440	11	3	article	article	NOUN
fsr-3440	11	4	“	"	PUNCT
fsr-3440	11	5	the	the	DET
fsr-3440	11	6	impact	impact	NOUN
fsr-3440	11	7	of	of	ADP
fsr-3440	11	8	using	use	VERB
fsr-3440	11	9	financial	financial	ADJ
fsr-3440	11	10	technology	technology	NOUN
fsr-3440	11	11	on	on	ADP
fsr-3440	11	12	positive	positive	ADJ
fsr-3440	11	13	financial	financial	ADJ
fsr-3440	11	14	behaviors	behavior	NOUN
fsr-3440	11	15	”	"	PUNCT
fsr-3440	11	16	is	be	AUX
fsr-3440	11	17	coauthored	coauthore	VERB
fsr-3440	11	18	by	by	ADP
fsr-3440	11	19	qianwen	qianwen	PROPN
fsr-3440	11	20	bi	bi	PROPN
fsr-3440	11	21	,	,	PUNCT
fsr-3440	11	22	utah	utah	PROPN
fsr-3440	11	23	valley	valley	PROPN
fsr-3440	11	24	university	university	PROPN
fsr-3440	11	25	,	,	PUNCT
fsr-3440	11	26	lukas	lukas	PROPN
fsr-3440	11	27	r.	r.	PROPN
fsr-3440	11	28	dean	dean	PROPN
fsr-3440	11	29	,	,	PUNCT
fsr-3440	11	30	utah	utah	PROPN
fsr-3440	11	31	valley	valley	PROPN
fsr-3440	11	32	university	university	PROPN
fsr-3440	11	33	,	,	PUNCT
fsr-3440	11	34	tao	tao	PROPN
fsr-3440	11	35	guo	guo	PROPN
fsr-3440	11	36	,	,	PUNCT
fsr-3440	11	37	william	william	PROPN
fsr-3440	11	38	paterson	paterson	PROPN
fsr-3440	11	39	university	university	PROPN
fsr-3440	11	40	,	,	PUNCT
fsr-3440	11	41	and	and	CCONJ
fsr-3440	11	42	xu	xu	PROPN
fsr-3440	11	43	sun	sun	PROPN
fsr-3440	11	44	,	,	PUNCT
fsr-3440	11	45	utah	utah	PROPN
fsr-3440	11	46	valley	valley	PROPN
fsr-3440	11	47	university	university	PROPN
fsr-3440	11	48	,	,	PUNCT
fsr-3440	11	49	the	the	DET
fsr-3440	11	50	authors	author	NOUN
fsr-3440	11	51	use	use	VERB
fsr-3440	11	52	the	the	DET
fsr-3440	11	53	2013	2013	NUM
fsr-3440	11	54	survey	survey	NOUN
fsr-3440	11	55	of	of	ADP
fsr-3440	11	56	consumer	consumer	NOUN
fsr-3440	11	57	finances	finance	NOUN
fsr-3440	11	58	data	datum	NOUN
fsr-3440	11	59	to	to	PART
fsr-3440	11	60	explore	explore	VERB
fsr-3440	11	61	the	the	DET
fsr-3440	11	62	impact	impact	NOUN
fsr-3440	11	63	of	of	ADP
fsr-3440	11	64	financial	financial	ADJ
fsr-3440	11	65	technologies	technology	NOUN
fsr-3440	11	66	on	on	ADP
fsr-3440	11	67	households	household	NOUN
fsr-3440	11	68	’	'	PUNCT
fsr-3440	11	69	positive	positive	ADJ
fsr-3440	11	70	financial	financial	ADJ
fsr-3440	11	71	behaviors	behavior	NOUN
fsr-3440	11	72	.	.	PUNCT
fsr-3440	12	1	the	the	DET
fsr-3440	12	2	authors	author	NOUN
fsr-3440	12	3	find	find	VERB
fsr-3440	12	4	that	that	SCONJ
fsr-3440	12	5	only	only	ADV
fsr-3440	12	6	planning	planning	NOUN
fsr-3440	12	7	technologies	technology	NOUN
fsr-3440	12	8	(	(	PUNCT
fsr-3440	12	9	e.g.	e.g.	ADV
fsr-3440	12	10	direct	direct	ADJ
fsr-3440	12	11	deposit	deposit	NOUN
fsr-3440	12	12	and	and	CCONJ
fsr-3440	12	13	computer	computer	NOUN
fsr-3440	12	14	software	software	NOUN
fsr-3440	12	15	)	)	PUNCT
fsr-3440	12	16	are	be	AUX
fsr-3440	12	17	positively	positively	ADV
fsr-3440	12	18	related	relate	VERB
fsr-3440	12	19	to	to	ADP
fsr-3440	12	20	households	household	NOUN
fsr-3440	12	21	’	'	PUNCT
fsr-3440	12	22	engagement	engagement	NOUN
fsr-3440	12	23	in	in	ADP
fsr-3440	12	24	positive	positive	ADJ
fsr-3440	12	25	financial	financial	ADJ
fsr-3440	12	26	behaviors	behavior	NOUN
fsr-3440	12	27	.	.	PUNCT
fsr-3440	13	1	they	they	PRON
fsr-3440	13	2	also	also	ADV
fsr-3440	13	3	find	find	VERB
fsr-3440	13	4	that	that	SCONJ
fsr-3440	13	5	the	the	DET
fsr-3440	13	6	impact	impact	NOUN
fsr-3440	13	7	of	of	ADP
fsr-3440	13	8	transaction	transaction	NOUN
fsr-3440	13	9	technologies	technology	NOUN
fsr-3440	13	10	(	(	PUNCT
fsr-3440	13	11	e.g.	e.g.	ADV
fsr-3440	13	12	using	use	VERB
fsr-3440	13	13	atm	atm	NOUN
fsr-3440	13	14	card	card	NOUN
fsr-3440	13	15	,	,	PUNCT
fsr-3440	13	16	credit	credit	NOUN
fsr-3440	13	17	card	card	NOUN
fsr-3440	13	18	,	,	PUNCT
fsr-3440	13	19	phone	phone	NOUN
fsr-3440	13	20	banking	banking	NOUN
fsr-3440	13	21	,	,	PUNCT
fsr-3440	13	22	and	and	CCONJ
fsr-3440	13	23	computer	computer	NOUN
fsr-3440	13	24	banking	banking	NOUN
fsr-3440	13	25	)	)	PUNCT
fsr-3440	13	26	is	be	AUX
fsr-3440	13	27	negative	negative	ADJ
fsr-3440	13	28	.	.	PUNCT
fsr-3440	14	1	the	the	DET
fsr-3440	14	2	third	third	ADJ
fsr-3440	14	3	article	article	NOUN
fsr-3440	14	4	,	,	PUNCT
fsr-3440	14	5	“	"	PUNCT
fsr-3440	14	6	using	use	VERB
fsr-3440	14	7	investor	investor	NOUN
fsr-3440	14	8	utility	utility	NOUN
fsr-3440	14	9	to	to	PART
fsr-3440	14	10	determine	determine	VERB
fsr-3440	14	11	portfolio	portfolio	NOUN
fsr-3440	14	12	choice	choice	NOUN
fsr-3440	14	13	with	with	ADP
fsr-3440	14	14	reits	reit	NOUN
fsr-3440	14	15	”	"	PUNCT
fsr-3440	14	16	is	be	AUX
fsr-3440	14	17	coauthored	coauthore	VERB
fsr-3440	14	18	by	by	ADP
fsr-3440	14	19	wei	wei	PROPN
fsr-3440	14	20	feng	feng	PROPN
fsr-3440	14	21	,	,	PUNCT
fsr-3440	14	22	lynn	lynn	PROPN
fsr-3440	14	23	university	university	PROPN
fsr-3440	14	24	,	,	PUNCT
fsr-3440	14	25	travis	travis	PROPN
fsr-3440	14	26	l.	l.	PROPN
fsr-3440	14	27	jones	jones	PROPN
fsr-3440	14	28	,	,	PUNCT
fsr-3440	14	29	florida	florida	PROPN
fsr-3440	14	30	gulf	gulf	PROPN
fsr-3440	14	31	coast	coast	PROPN
fsr-3440	14	32	university	university	PROPN
fsr-3440	14	33	,	,	PUNCT
fsr-3440	14	34	and	and	CCONJ
fsr-3440	14	35	marcus	marcus	PROPN
fsr-3440	14	36	t.	t.	PROPN
fsr-3440	14	37	allen	allen	PROPN
fsr-3440	14	38	,	,	PUNCT
fsr-3440	14	39	florida	florida	PROPN
fsr-3440	14	40	gulf	gulf	PROPN
fsr-3440	14	41	coast	coast	PROPN
fsr-3440	14	42	university	university	PROPN
fsr-3440	14	43	.	.	PUNCT
fsr-3440	15	1	the	the	DET
fsr-3440	15	2	authors	author	NOUN
fsr-3440	15	3	examine	examine	VERB
fsr-3440	15	4	the	the	DET
fsr-3440	15	5	decision	decision	NOUN
fsr-3440	15	6	of	of	ADP
fsr-3440	15	7	individual	individual	ADJ
fsr-3440	15	8	investors	investor	NOUN
fsr-3440	15	9	to	to	PART
fsr-3440	15	10	allocate	allocate	VERB
fsr-3440	15	11	a	a	DET
fsr-3440	15	12	portion	portion	NOUN
fsr-3440	15	13	of	of	ADP
fsr-3440	15	14	their	their	PRON
fsr-3440	15	15	existing	exist	VERB
fsr-3440	15	16	investment	investment	NOUN
fsr-3440	15	17	portfolios	portfolio	NOUN
fsr-3440	15	18	to	to	ADP
fsr-3440	15	19	reits	reit	NOUN
fsr-3440	15	20	.	.	PUNCT
fsr-3440	16	1	they	they	PRON
fsr-3440	16	2	derive	derive	VERB
fsr-3440	16	3	the	the	DET
fsr-3440	16	4	risk	risk	NOUN
fsr-3440	16	5	preferences	preference	NOUN
fsr-3440	16	6	of	of	ADP
fsr-3440	16	7	investors	investor	NOUN
fsr-3440	16	8	represented	represent	VERB
fsr-3440	16	9	by	by	ADP
fsr-3440	16	10	their	their	PRON
fsr-3440	16	11	benchmark	benchmark	ADJ
fsr-3440	16	12	portfolios	portfolio	NOUN
fsr-3440	16	13	of	of	ADP
fsr-3440	16	14	stocks	stock	NOUN
fsr-3440	16	15	and	and	CCONJ
fsr-3440	16	16	bonds	bond	NOUN
fsr-3440	16	17	and	and	CCONJ
fsr-3440	16	18	then	then	ADV
fsr-3440	16	19	use	use	VERB
fsr-3440	16	20	the	the	DET
fsr-3440	16	21	risk	risk	NOUN
fsr-3440	16	22	preferences	preference	NOUN
fsr-3440	16	23	to	to	PART
fsr-3440	16	24	determine	determine	VERB
fsr-3440	16	25	portfolio	portfolio	NOUN
fsr-3440	16	26	decisions	decision	NOUN
fsr-3440	16	27	regarding	regard	VERB
fsr-3440	16	28	reits	reit	NOUN
fsr-3440	16	29	.	.	PUNCT
fsr-3440	17	1	their	their	PRON
fsr-3440	17	2	analysis	analysis	NOUN
fsr-3440	17	3	shows	show	VERB
fsr-3440	17	4	that	that	SCONJ
fsr-3440	17	5	investors	investor	NOUN
fsr-3440	17	6	with	with	ADP
fsr-3440	17	7	lower	low	ADJ
fsr-3440	17	8	risk	risk	NOUN
fsr-3440	17	9	aversion	aversion	NOUN
fsr-3440	17	10	tend	tend	VERB
fsr-3440	17	11	to	to	PART
fsr-3440	17	12	have	have	VERB
fsr-3440	17	13	a	a	DET
fsr-3440	17	14	more	more	ADJ
fsr-3440	17	15	1057	1057	NUM
fsr-3440	17	16	-	-	SYM
fsr-3440	17	17	0810/21/$	0810/21/$	NUM
fsr-3440	17	18	–	–	PUNCT
fsr-3440	17	19	see	see	VERB
fsr-3440	17	20	front	front	ADJ
fsr-3440	17	21	matter	matter	NOUN
fsr-3440	17	22	©	©	PROPN
fsr-3440	17	23	2021	2021	NUM
fsr-3440	17	24	academy	academy	NOUN
fsr-3440	17	25	of	of	ADP
fsr-3440	17	26	financial	financial	ADJ
fsr-3440	17	27	services	service	NOUN
fsr-3440	17	28	.	.	PUNCT
fsr-3440	18	1	all	all	DET
fsr-3440	18	2	rights	right	NOUN
fsr-3440	18	3	reserved	reserve	VERB
fsr-3440	18	4	.	.	PUNCT
fsr-3440	19	1	financial	financial	ADJ
fsr-3440	19	2	services	service	NOUN
fsr-3440	19	3	review	review	VERB
fsr-3440	19	4	29	29	NUM
fsr-3440	19	5	(	(	PUNCT
fsr-3440	19	6	2021	2021	NUM
fsr-3440	19	7	)	)	PUNCT
fsr-3440	19	8	v	v	NOUN
fsr-3440	19	9	–	–	PUNCT
fsr-3440	19	10	vii	vii	PROPN
fsr-3440	19	11	substantial	substantial	ADJ
fsr-3440	19	12	stock	stock	NOUN
fsr-3440	19	13	component	component	NOUN
fsr-3440	19	14	in	in	ADP
fsr-3440	19	15	their	their	PRON
fsr-3440	19	16	benchmark	benchmark	NOUN
fsr-3440	19	17	porfolio	porfolio	NOUN
fsr-3440	19	18	and	and	CCONJ
fsr-3440	19	19	will	will	AUX
fsr-3440	19	20	obtain	obtain	VERB
fsr-3440	19	21	higher	high	ADJ
fsr-3440	19	22	risk	risk	NOUN
fsr-3440	19	23	-	-	PUNCT
fsr-3440	19	24	return	return	NOUN
fsr-3440	19	25	benefits	benefit	NOUN
fsr-3440	19	26	from	from	ADP
fsr-3440	19	27	adding	add	VERB
fsr-3440	19	28	reits	reit	NOUN
fsr-3440	19	29	.	.	PUNCT
fsr-3440	20	1	the	the	DET
fsr-3440	20	2	final	final	ADJ
fsr-3440	20	3	article	article	NOUN
fsr-3440	20	4	,	,	PUNCT
fsr-3440	20	5	“	"	PUNCT
fsr-3440	20	6	demographic	demographic	ADJ
fsr-3440	20	7	and	and	CCONJ
fsr-3440	20	8	psychological	psychological	ADJ
fsr-3440	20	9	differences	difference	NOUN
fsr-3440	20	10	between	between	ADP
fsr-3440	20	11	chapter	chapter	NOUN
fsr-3440	20	12	13	13	NUM
fsr-3440	20	13	bankruptcy	bankruptcy	NOUN
fsr-3440	20	14	filers	filer	NOUN
fsr-3440	20	15	and	and	CCONJ
fsr-3440	20	16	non	non	ADJ
fsr-3440	20	17	-	-	NOUN
fsr-3440	20	18	filers	filer	NOUN
fsr-3440	20	19	”	"	PUNCT
fsr-3440	20	20	is	be	AUX
fsr-3440	20	21	coauthored	coauthore	VERB
fsr-3440	20	22	by	by	ADP
fsr-3440	20	23	scott	scott	PROPN
fsr-3440	20	24	e.	e.	PROPN
fsr-3440	20	25	kehiaian	kehiaian	PROPN
fsr-3440	20	26	,	,	PUNCT
fsr-3440	20	27	southern	southern	PROPN
fsr-3440	20	28	new	new	PROPN
fsr-3440	20	29	hampshire	hampshire	PROPN
fsr-3440	20	30	university	university	PROPN
fsr-3440	20	31	,	,	PUNCT
fsr-3440	20	32	albert	albert	PROPN
fsr-3440	20	33	a.	a.	PROPN
fsr-3440	20	34	williams	williams	PROPN
fsr-3440	20	35	,	,	PUNCT
fsr-3440	20	36	nova	nova	PROPN
fsr-3440	20	37	southeastern	southeastern	PROPN
fsr-3440	20	38	university	university	PROPN
fsr-3440	20	39	,	,	PUNCT
fsr-3440	20	40	and	and	CCONJ
fsr-3440	20	41	carolyn	carolyn	PROPN
fsr-3440	20	42	l.	l.	PROPN
fsr-3440	20	43	bird	bird	PROPN
fsr-3440	20	44	,	,	PUNCT
fsr-3440	20	45	north	north	PROPN
fsr-3440	20	46	carolina	carolina	PROPN
fsr-3440	20	47	state	state	PROPN
fsr-3440	20	48	university	university	PROPN
fsr-3440	20	49	.	.	PUNCT
fsr-3440	21	1	in	in	ADP
fsr-3440	21	2	this	this	DET
fsr-3440	21	3	article	article	NOUN
fsr-3440	21	4	the	the	DET
fsr-3440	21	5	authors	author	NOUN
fsr-3440	21	6	find	find	VERB
fsr-3440	21	7	financial	financial	ADJ
fsr-3440	21	8	,	,	PUNCT
fsr-3440	21	9	demographic	demographic	ADJ
fsr-3440	21	10	,	,	PUNCT
fsr-3440	21	11	and	and	CCONJ
fsr-3440	21	12	psychological	psychological	ADJ
fsr-3440	21	13	differences	difference	NOUN
fsr-3440	21	14	between	between	ADP
fsr-3440	21	15	chapter	chapter	NOUN
fsr-3440	21	16	13	13	NUM
fsr-3440	21	17	filers	filer	NOUN
fsr-3440	21	18	and	and	CCONJ
fsr-3440	21	19	non	non	NOUN
fsr-3440	21	20	-	-	NOUN
fsr-3440	21	21	filers	filer	NOUN
fsr-3440	21	22	.	.	PUNCT
fsr-3440	22	1	they	they	PRON
fsr-3440	22	2	also	also	ADV
fsr-3440	22	3	show	show	VERB
fsr-3440	22	4	that	that	SCONJ
fsr-3440	22	5	financial	financial	ADJ
fsr-3440	22	6	training	training	NOUN
fsr-3440	22	7	reduces	reduce	VERB
fsr-3440	22	8	the	the	DET
fsr-3440	22	9	likelihood	likelihood	NOUN
fsr-3440	22	10	of	of	ADP
fsr-3440	22	11	filing	filing	NOUN
fsr-3440	22	12	for	for	ADP
fsr-3440	22	13	personal	personal	ADJ
fsr-3440	22	14	bankruptcy	bankruptcy	NOUN
fsr-3440	22	15	and	and	CCONJ
fsr-3440	22	16	males	male	NOUN
fsr-3440	22	17	are	be	AUX
fsr-3440	22	18	twice	twice	ADV
fsr-3440	22	19	as	as	ADV
fsr-3440	22	20	likely	likely	ADJ
fsr-3440	22	21	as	as	SCONJ
fsr-3440	22	22	females	female	NOUN
fsr-3440	22	23	to	to	PART
fsr-3440	22	24	be	be	AUX
fsr-3440	22	25	filers	filer	NOUN
fsr-3440	22	26	.	.	PUNCT
fsr-3440	23	1	a	a	DET
fsr-3440	23	2	single	single	ADJ
fsr-3440	23	3	person	person	NOUN
fsr-3440	23	4	is	be	AUX
fsr-3440	23	5	less	less	ADV
fsr-3440	23	6	likely	likely	ADJ
fsr-3440	23	7	to	to	PART
fsr-3440	23	8	file	file	VERB
fsr-3440	23	9	than	than	ADP
fsr-3440	23	10	a	a	DET
fsr-3440	23	11	married	married	ADJ
fsr-3440	23	12	person	person	NOUN
fsr-3440	23	13	and	and	CCONJ
fsr-3440	23	14	homeowners	homeowner	NOUN
fsr-3440	23	15	are	be	AUX
fsr-3440	23	16	more	more	ADV
fsr-3440	23	17	likely	likely	ADJ
fsr-3440	23	18	than	than	SCONJ
fsr-3440	23	19	renters	renter	NOUN
fsr-3440	23	20	to	to	PART
fsr-3440	23	21	be	be	AUX
fsr-3440	23	22	filers	filer	NOUN
fsr-3440	23	23	.	.	PUNCT
fsr-3440	24	1	increases	increase	NOUN
fsr-3440	24	2	in	in	ADP
fsr-3440	24	3	education	education	NOUN
fsr-3440	24	4	,	,	PUNCT
fsr-3440	24	5	religious	religious	ADJ
fsr-3440	24	6	commitment	commitment	NOUN
fsr-3440	24	7	,	,	PUNCT
fsr-3440	24	8	and	and	CCONJ
fsr-3440	24	9	parents	parent	NOUN
fsr-3440	24	10	’	'	PUNCT
fsr-3440	24	11	income	income	NOUN
fsr-3440	24	12	reduce	reduce	VERB
fsr-3440	24	13	the	the	DET
fsr-3440	24	14	likelihood	likelihood	NOUN
fsr-3440	24	15	of	of	ADP
fsr-3440	24	16	filing	filing	NOUN
fsr-3440	24	17	.	.	PUNCT
fsr-3440	25	1	increases	increase	NOUN
fsr-3440	25	2	in	in	ADP
fsr-3440	25	3	the	the	DET
fsr-3440	25	4	psychological	psychological	ADJ
fsr-3440	25	5	factors	factor	NOUN
fsr-3440	25	6	,	,	PUNCT
fsr-3440	25	7	self	self	NOUN
fsr-3440	25	8	-	-	PUNCT
fsr-3440	25	9	efficacy	efficacy	NOUN
fsr-3440	25	10	,	,	PUNCT
fsr-3440	25	11	locus	locus	NOUN
fsr-3440	25	12	of	of	ADP
fsr-3440	25	13	control	control	NOUN
fsr-3440	25	14	,	,	PUNCT
fsr-3440	25	15	and	and	CCONJ
fsr-3440	25	16	self	self	NOUN
fsr-3440	25	17	-	-	PUNCT
fsr-3440	25	18	control	control	NOUN
fsr-3440	25	19	,	,	PUNCT
fsr-3440	25	20	reduce	reduce	VERB
fsr-3440	25	21	the	the	DET
fsr-3440	25	22	likelihood	likelihood	NOUN
fsr-3440	25	23	of	of	ADP
fsr-3440	25	24	filing	filing	NOUN
fsr-3440	25	25	for	for	ADP
fsr-3440	25	26	chapter	chapter	NOUN
fsr-3440	25	27	13	13	NUM
fsr-3440	25	28	bankruptcies	bankruptcy	NOUN
fsr-3440	25	29	.	.	PUNCT
fsr-3440	26	1	thank	thank	VERB
fsr-3440	26	2	you	you	PRON
fsr-3440	26	3	to	to	ADP
fsr-3440	26	4	those	those	PRON
fsr-3440	26	5	who	who	PRON
fsr-3440	26	6	make	make	VERB
fsr-3440	26	7	the	the	DET
fsr-3440	26	8	journal	journal	NOUN
fsr-3440	26	9	possible	possible	ADJ
fsr-3440	26	10	,	,	PUNCT
fsr-3440	26	11	especially	especially	ADV
fsr-3440	26	12	the	the	DET
fsr-3440	26	13	referees	referee	NOUN
fsr-3440	26	14	and	and	CCONJ
fsr-3440	26	15	contributing	contribute	VERB
fsr-3440	26	16	authors	author	NOUN
fsr-3440	26	17	.	.	PUNCT
fsr-3440	27	1	over	over	ADP
fsr-3440	27	2	the	the	DET
fsr-3440	27	3	past	past	ADJ
fsr-3440	27	4	year	year	NOUN
fsr-3440	27	5	,	,	PUNCT
fsr-3440	27	6	the	the	DET
fsr-3440	27	7	following	follow	VERB
fsr-3440	27	8	reviewers	reviewer	NOUN
fsr-3440	27	9	provided	provide	VERB
fsr-3440	27	10	excellent	excellent	ADJ
fsr-3440	27	11	reviews	review	NOUN
fsr-3440	27	12	of	of	ADP
fsr-3440	27	13	the	the	DET
fsr-3440	27	14	articles	article	NOUN
fsr-3440	27	15	you	you	PRON
fsr-3440	27	16	enjoyed	enjoy	VERB
fsr-3440	27	17	within	within	ADP
fsr-3440	27	18	the	the	DET
fsr-3440	27	19	pages	page	NOUN
fsr-3440	27	20	of	of	ADP
fsr-3440	27	21	financial	financial	ADJ
fsr-3440	27	22	services	service	NOUN
fsr-3440	27	23	review	review	NOUN
fsr-3440	27	24	.	.	PUNCT
fsr-3440	28	1	i	i	PRON
fsr-3440	28	2	would	would	AUX
fsr-3440	28	3	like	like	VERB
fsr-3440	28	4	to	to	PART
fsr-3440	28	5	send	send	VERB
fsr-3440	28	6	a	a	DET
fsr-3440	28	7	special	special	ADJ
fsr-3440	28	8	thank	thank	NOUN
fsr-3440	28	9	you	you	PRON
fsr-3440	28	10	to	to	ADP
fsr-3440	28	11	the	the	DET
fsr-3440	28	12	many	many	ADJ
fsr-3440	28	13	reviewers	reviewer	NOUN
fsr-3440	28	14	that	that	PRON
fsr-3440	28	15	have	have	AUX
fsr-3440	28	16	significantly	significantly	ADV
fsr-3440	28	17	contributed	contribute	VERB
fsr-3440	28	18	to	to	ADP
fsr-3440	28	19	the	the	DET
fsr-3440	28	20	quality	quality	NOUN
fsr-3440	28	21	of	of	ADP
fsr-3440	28	22	our	our	PRON
fsr-3440	28	23	journal	journal	NOUN
fsr-3440	28	24	by	by	ADP
fsr-3440	28	25	providing	provide	VERB
fsr-3440	28	26	timely	timely	ADJ
fsr-3440	28	27	and	and	CCONJ
fsr-3440	28	28	thorough	thorough	ADJ
fsr-3440	28	29	reviews	review	NOUN
fsr-3440	28	30	of	of	ADP
fsr-3440	28	31	the	the	DET
fsr-3440	28	32	submissions	submission	NOUN
fsr-3440	28	33	to	to	ADP
fsr-3440	28	34	our	our	PRON
fsr-3440	28	35	journal	journal	NOUN
fsr-3440	28	36	.	.	PUNCT
fsr-3440	29	1	fenaba	fenaba	PROPN
fsr-3440	29	2	addo	addo	PROPN
fsr-3440	29	3	lisa	lisa	PROPN
fsr-3440	29	4	fiksenbaum	fiksenbaum	PROPN
fsr-3440	29	5	thomas	thomas	PROPN
fsr-3440	29	6	krueger	krueger	PROPN
fsr-3440	29	7	jinfei	jinfei	PROPN
fsr-3440	29	8	sheng	sheng	PROPN
fsr-3440	29	9	stephen	stephen	PROPN
fsr-3440	29	10	agnew	agnew	PROPN
fsr-3440	29	11	john	john	PROPN
fsr-3440	29	12	gathergood	gathergood	PROPN
fsr-3440	29	13	marie	marie	PROPN
fsr-3440	29	14	-	-	PUNCT
fsr-3440	29	15	eve	eve	PROPN
fsr-3440	29	16	lachance	lachance	PROPN
fsr-3440	29	17	william	william	PROPN
fsr-3440	29	18	skimmyhorn	skimmyhorn	PROPN
fsr-3440	29	19	abdullah	abdullah	PROPN
fsr-3440	29	20	al	al	PROPN
fsr-3440	29	21	-	-	PUNCT
fsr-3440	29	22	bahrani	bahrani	PROPN
fsr-3440	29	23	john	john	PROPN
fsr-3440	29	24	grable	grable	PROPN
fsr-3440	29	25	kyre	kyre	PROPN
fsr-3440	29	26	lahtinen	lahtinen	PROPN
fsr-3440	29	27	christina	christina	PROPN
fsr-3440	29	28	stoddard	stoddard	PROPN
fsr-3440	29	29	arthur	arthur	PROPN
fsr-3440	29	30	allen	allen	PROPN
fsr-3440	29	31	adam	adam	PROPN
fsr-3440	29	32	greenberg	greenberg	PROPN
fsr-3440	29	33	andre	andre	PROPN
fsr-3440	29	34	liebenberg	liebenberg	PROPN
fsr-3440	29	35	ning	ning	PROPN
fsr-3440	29	36	tang	tang	PROPN
fsr-3440	29	37	somer	somer	PROPN
fsr-3440	29	38	anderson	anderson	PROPN
fsr-3440	30	1	john	john	PROPN
fsr-3440	30	2	grigsby	grigsby	PROPN
fsr-3440	30	3	hanna	hanna	PROPN
fsr-3440	30	4	lim	lim	PROPN
fsr-3440	30	5	sharon	sharon	PROPN
fsr-3440	30	6	tennyson	tennyson	PROPN
fsr-3440	30	7	anders	anders	PROPN
fsr-3440	30	8	anderson	anderson	PROPN
fsr-3440	30	9	michael	michael	PROPN
fsr-3440	30	10	guillemette	guillemette	PROPN
fsr-3440	30	11	ana	ana	PROPN
fsr-3440	30	12	luiza	luiza	PROPN
fsr-3440	30	13	paraboni	paraboni	PROPN
fsr-3440	30	14	ruilin	ruilin	PROPN
fsr-3440	30	15	tian	tian	PROPN
fsr-3440	30	16	nikolaos	nikolaos	PROPN
fsr-3440	30	17	artavanis	artavanis	PROPN
fsr-3440	30	18	andreas	andreas	PROPN
fsr-3440	30	19	hackethal	hackethal	PROPN
fsr-3440	30	20	annamaria	annamaria	PROPN
fsr-3440	30	21	lusardi	lusardi	PROPN
fsr-3440	30	22	colleen	colleen	PROPN
fsr-3440	30	23	tokar	tokar	NOUN
fsr-3440	30	24	asaad	asaad	VERB
fsr-3440	30	25	kremena	kremena	PROPN
fsr-3440	30	26	bachmann	bachmann	PROPN
fsr-3440	30	27	nathan	nathan	PROPN
fsr-3440	30	28	harness	harness	PROPN
fsr-3440	30	29	john	john	PROPN
fsr-3440	30	30	lynch	lynch	PROPN
fsr-3440	30	31	jr	jr	PROPN
fsr-3440	30	32	sami	sami	PROPN
fsr-3440	30	33	vahamaa	vahamaa	PROPN
fsr-3440	30	34	vickie	vickie	PROPN
fsr-3440	30	35	bajtelsmit	bajtelsmit	PROPN
fsr-3440	30	36	christine	christine	PROPN
fsr-3440	30	37	harrington	harrington	PROPN
fsr-3440	30	38	zdravko	zdravko	PROPN
fsr-3440	30	39	marjanovic	marjanovic	PROPN
fsr-3440	30	40	neal	neal	PROPN
fsr-3440	30	41	van	van	PROPN
fsr-3440	30	42	zutphen	zutphen	PROPN
fsr-3440	30	43	bhanu	bhanu	PROPN
fsr-3440	30	44	balasubramnian	balasubramnian	PROPN
fsr-3440	30	45	stuart	stuart	PROPN
fsr-3440	30	46	heckman	heckman	PROPN
fsr-3440	30	47	terrance	terrance	PROPN
fsr-3440	30	48	martin	martin	PROPN
fsr-3440	30	49	bruce	bruce	PROPN
fsr-3440	30	50	vanstone	vanstone	PROPN
fsr-3440	30	51	mirco	mirco	PROPN
fsr-3440	30	52	balatti	balatti	VERB
fsr-3440	30	53	robin	robin	PROPN
fsr-3440	30	54	henager	henager	PROPN
fsr-3440	30	55	greene	greene	PROPN
fsr-3440	30	56	camilla	camilla	PROPN
fsr-3440	30	57	mazzoli	mazzoli	PROPN
fsr-3440	30	58	christian	christian	PROPN
fsr-3440	30	59	walkshäusl	walkshäusl	PROPN
fsr-3440	30	60	michael	michael	PROPN
fsr-3440	30	61	batty	batty	PROPN
fsr-3440	30	62	robert	robert	PROPN
fsr-3440	30	63	henderson	henderson	PROPN
fsr-3440	30	64	stephan	stephan	PROPN
fsr-3440	30	65	meier	meier	PROPN
fsr-3440	30	66	william	william	PROPN
fsr-3440	30	67	walstad	walstad	PROPN
fsr-3440	30	68	levon	levon	PROPN
fsr-3440	30	69	blue	blue	PROPN
fsr-3440	30	70	thorsten	thorsten	PROPN
fsr-3440	30	71	hens	hen	NOUN
fsr-3440	30	72	steffen	steffen	PROPN
fsr-3440	30	73	meyer	meyer	PROPN
fsr-3440	30	74	tom	tom	PROPN
fsr-3440	30	75	warschauer	warschauer	PROPN
fsr-3440	30	76	paola	paola	PROPN
fsr-3440	30	77	bongini	bongini	PROPN
fsr-3440	30	78	hal	hal	PROPN
fsr-3440	30	79	hershfield	hershfield	PROPN
fsr-3440	30	80	brianna	brianna	PROPN
fsr-3440	30	81	middlewood	middlewood	PROPN
fsr-3440	30	82	jamie	jamie	PROPN
fsr-3440	30	83	weathers	weathers	PROPN
fsr-3440	30	84	peter	peter	PROPN
fsr-3440	30	85	brady	brady	PROPN
fsr-3440	30	86	russell	russell	PROPN
fsr-3440	30	87	james	james	PROPN
fsr-3440	30	88	young	young	PROPN
fsr-3440	30	89	park	park	PROPN
fsr-3440	30	90	jaya	jaya	PROPN
fsr-3440	30	91	wen	wen	PROPN
fsr-3440	30	92	sonya	sonya	PROPN
fsr-3440	30	93	britt	britt	PROPN
fsr-3440	30	94	-	-	PUNCT
fsr-3440	30	95	lutter	lutter	PROPN
fsr-3440	30	96	thomas	thomas	PROPN
fsr-3440	30	97	jansson	jansson	PROPN
fsr-3440	30	98	darshak	darshak	PROPN
fsr-3440	30	99	patel	patel	PROPN
fsr-3440	30	100	melissa	melissa	PROPN
fsr-3440	30	101	wilmarth	wilmarth	PROPN
fsr-3440	30	102	j.	j.	PROPN
fsr-3440	30	103	michael	michael	PROPN
fsr-3440	30	104	collins	collins	PROPN
fsr-3440	30	105	jing	jing	PROPN
fsr-3440	30	106	jian	jian	PROPN
fsr-3440	30	107	xio	xio	PROPN
fsr-3440	30	108	cliff	cliff	PROPN
fsr-3440	30	109	robb	robb	PROPN
fsr-3440	30	110	danielle	danielle	PROPN
fsr-3440	30	111	winchester	winchester	PROPN
fsr-3440	30	112	brenda	brenda	PROPN
fsr-3440	30	113	cude	cude	PROPN
fsr-3440	30	114	jesse	jesse	PROPN
fsr-3440	30	115	jurgenson	jurgenson	PROPN
fsr-3440	30	116	david	david	PROPN
fsr-3440	30	117	robinson	robinson	PROPN
fsr-3440	30	118	jianzhong	jianzhong	PROPN
fsr-3440	30	119	(	(	PUNCT
fsr-3440	30	120	andrew	andrew	PROPN
fsr-3440	30	121	)	)	PUNCT
fsr-3440	30	122	zhang	zhang	PROPN
fsr-3440	30	123	lucy	lucy	PROPN
fsr-3440	30	124	delgadillo	delgadillo	PROPN
fsr-3440	30	125	mary	mary	PROPN
fsr-3440	30	126	kabaci	kabaci	PROPN
fsr-3440	31	1	chris	chris	PROPN
fsr-3440	31	2	robinson	robinson	PROPN
fsr-3440	31	3	terry	terry	PROPN
fsr-3440	31	4	zhang	zhang	PROPN
fsr-3440	31	5	catherine	catherine	PROPN
fsr-3440	31	6	d’hondt	d’hondt	PROPN
fsr-3440	31	7	charlene	charlene	PROPN
fsr-3440	31	8	kalenkoski	kalenkoski	PROPN
fsr-3440	31	9	john	john	PROPN
fsr-3440	31	10	salter	salter	PROPN
fsr-3440	31	11	xin	xin	PROPN
fsr-3440	31	12	(	(	PUNCT
fsr-3440	31	13	jessica	jessica	PROPN
fsr-3440	31	14	)	)	PUNCT
fsr-3440	31	15	zhao	zhao	PROPN
fsr-3440	31	16	donna	donna	PROPN
fsr-3440	31	17	dudney	dudney	PROPN
fsr-3440	31	18	elizabeth	elizabeth	PROPN
fsr-3440	31	19	kiss	kiss	PROPN
fsr-3440	31	20	marta	marta	PROPN
fsr-3440	31	21	serra	serra	PROPN
fsr-3440	31	22	-	-	PUNCT
fsr-3440	31	23	garcia	garcia	PROPN
fsr-3440	31	24	timothy	timothy	PROPN
fsr-3440	31	25	zimmer	zimmer	PROPN
fsr-3440	31	26	yaman	yaman	PROPN
fsr-3440	31	27	erzurumlu	erzurumlu	PROPN
fsr-3440	31	28	vladimir	vladimir	PROPN
fsr-3440	31	29	kotomin	kotomin	PROPN
fsr-3440	31	30	daniel	daniel	PROPN
fsr-3440	31	31	fernandes	fernandes	PROPN
fsr-3440	31	32	marc	marc	PROPN
fsr-3440	31	33	kramer	kramer	PROPN
fsr-3440	31	34	fred	fred	PROPN
fsr-3440	31	35	fernatt	fernatt	PROPN
fsr-3440	31	36	vi	vi	PROPN
fsr-3440	31	37	s.	s.	PROPN
fsr-3440	31	38	michelson	michelson	PROPN
fsr-3440	31	39	/	/	SYM
fsr-3440	31	40	financial	financial	ADJ
fsr-3440	31	41	services	service	NOUN
fsr-3440	31	42	review	review	VERB
fsr-3440	31	43	29	29	NUM
fsr-3440	31	44	(	(	PUNCT
fsr-3440	31	45	2021	2021	NUM
fsr-3440	31	46	)	)	PUNCT
fsr-3440	31	47	v	v	NOUN
fsr-3440	31	48	–	–	PUNCT
fsr-3440	31	49	vii	vii	PROPN
fsr-3440	31	50	please	please	INTJ
fsr-3440	31	51	consider	consider	VERB
fsr-3440	31	52	submission	submission	NOUN
fsr-3440	31	53	to	to	ADP
fsr-3440	31	54	the	the	DET
fsr-3440	31	55	financial	financial	ADJ
fsr-3440	31	56	services	service	NOUN
fsr-3440	31	57	review	review	NOUN
fsr-3440	31	58	and	and	CCONJ
fsr-3440	31	59	rely	rely	VERB
fsr-3440	31	60	on	on	ADP
fsr-3440	31	61	the	the	DET
fsr-3440	31	62	style	style	NOUN
fsr-3440	31	63	information	information	NOUN
fsr-3440	31	64	provided	provide	VERB
fsr-3440	31	65	to	to	PART
fsr-3440	31	66	ease	ease	VERB
fsr-3440	31	67	readability	readability	NOUN
fsr-3440	31	68	and	and	CCONJ
fsr-3440	31	69	streamline	streamline	VERB
fsr-3440	31	70	the	the	DET
fsr-3440	31	71	review	review	NOUN
fsr-3440	31	72	process	process	NOUN
fsr-3440	31	73	.	.	PUNCT
fsr-3440	32	1	the	the	DET
fsr-3440	32	2	journal	journal	NOUN
fsr-3440	32	3	welcomes	welcome	VERB
fsr-3440	32	4	articles	article	NOUN
fsr-3440	32	5	over	over	ADP
fsr-3440	32	6	the	the	DET
fsr-3440	32	7	range	range	NOUN
fsr-3440	32	8	of	of	ADP
fsr-3440	32	9	areas	area	NOUN
fsr-3440	32	10	that	that	PRON
fsr-3440	32	11	comprise	comprise	VERB
fsr-3440	32	12	personal	personal	ADJ
fsr-3440	32	13	financial	financial	ADJ
fsr-3440	32	14	planning	planning	NOUN
fsr-3440	32	15	.	.	PUNCT
fsr-3440	33	1	while	while	SCONJ
fsr-3440	33	2	fsr	fsr	PROPN
fsr-3440	33	3	articles	article	NOUN
fsr-3440	33	4	are	be	AUX
fsr-3440	33	5	certainly	certainly	ADV
fsr-3440	33	6	diverse	diverse	ADJ
fsr-3440	33	7	in	in	ADP
fsr-3440	33	8	terms	term	NOUN
fsr-3440	33	9	of	of	ADP
fsr-3440	33	10	topic	topic	NOUN
fsr-3440	33	11	,	,	PUNCT
fsr-3440	33	12	data	datum	NOUN
fsr-3440	33	13	,	,	PUNCT
fsr-3440	33	14	and	and	CCONJ
fsr-3440	33	15	method	method	NOUN
fsr-3440	33	16	,	,	PUNCT
fsr-3440	33	17	they	they	PRON
fsr-3440	33	18	are	be	AUX
fsr-3440	33	19	focused	focus	VERB
fsr-3440	33	20	in	in	ADP
fsr-3440	33	21	terms	term	NOUN
fsr-3440	33	22	of	of	ADP
fsr-3440	33	23	motivation	motivation	NOUN
fsr-3440	33	24	.	.	PUNCT
fsr-3440	34	1	fsr	fsr	PROPN
fsr-3440	34	2	exists	exist	VERB
fsr-3440	34	3	to	to	PART
fsr-3440	34	4	produce	produce	VERB
fsr-3440	34	5	research	research	NOUN
fsr-3440	34	6	that	that	PRON
fsr-3440	34	7	addresses	address	VERB
fsr-3440	34	8	issues	issue	NOUN
fsr-3440	34	9	that	that	PRON
fsr-3440	34	10	matter	matter	VERB
fsr-3440	34	11	to	to	ADP
fsr-3440	34	12	individuals	individual	NOUN
fsr-3440	34	13	.	.	PUNCT
fsr-3440	35	1	i	i	PRON
fsr-3440	35	2	remain	remain	VERB
fsr-3440	35	3	committed	committed	ADJ
fsr-3440	35	4	to	to	ADP
fsr-3440	35	5	the	the	DET
fsr-3440	35	6	goal	goal	NOUN
fsr-3440	35	7	of	of	ADP
fsr-3440	35	8	making	make	VERB
fsr-3440	35	9	financial	financial	ADJ
fsr-3440	35	10	services	service	NOUN
fsr-3440	35	11	review	review	VERB
fsr-3440	35	12	the	the	DET
fsr-3440	35	13	best	good	ADJ
fsr-3440	35	14	academic	academic	ADJ
fsr-3440	35	15	journal	journal	NOUN
fsr-3440	35	16	in	in	ADP
fsr-3440	35	17	individual	individual	ADJ
fsr-3440	35	18	financial	financial	ADJ
fsr-3440	35	19	management	management	NOUN
fsr-3440	35	20	and	and	CCONJ
fsr-3440	35	21	personal	personal	ADJ
fsr-3440	35	22	financial	financial	ADJ
fsr-3440	35	23	planning	planning	NOUN
fsr-3440	35	24	.	.	PUNCT
fsr-3440	36	1	best	good	ADJ
fsr-3440	36	2	regards	regard	VERB
fsr-3440	36	3	,	,	PUNCT
fsr-3440	36	4	stuart	stuart	PROPN
fsr-3440	36	5	michelson	michelson	PROPN
fsr-3440	36	6	editor	editor	PROPN
fsr-3440	36	7	financial	financial	PROPN
fsr-3440	36	8	services	services	PROPN
fsr-3440	36	9	review	review	VERB
fsr-3440	36	10	s.	s.	PROPN
fsr-3440	36	11	michelson	michelson	PROPN
fsr-3440	36	12	/	/	SYM
fsr-3440	36	13	financial	financial	ADJ
fsr-3440	36	14	services	service	NOUN
fsr-3440	36	15	review	review	VERB
fsr-3440	36	16	29	29	NUM
fsr-3440	36	17	(	(	PUNCT
fsr-3440	36	18	2021	2021	NUM
fsr-3440	36	19	)	)	PUNCT
fsr-3440	36	20	v	v	NOUN
fsr-3440	36	21	–	–	PUNCT
fsr-3440	36	22	vii	vii	PROPN
fsr-3440	36	23	vii	vii	PROPN