id	sid	tid	token	lemma	pos
fsr-3442	1	1	the	the	DET
fsr-3442	1	2	impact	impact	NOUN
fsr-3442	1	3	of	of	ADP
fsr-3442	1	4	using	use	VERB
fsr-3442	1	5	financial	financial	ADJ
fsr-3442	1	6	technology	technology	NOUN
fsr-3442	1	7	on	on	ADP
fsr-3442	1	8	positive	positive	ADJ
fsr-3442	1	9	financial	financial	ADJ
fsr-3442	1	10	behaviors	behavior	NOUN
fsr-3442	1	11	qianwen	qianwen	VERB
fsr-3442	1	12	bia	bia	PROPN
fsr-3442	1	13	,	,	PUNCT
fsr-3442	1	14	lukas	lukas	PROPN
fsr-3442	1	15	r.	r.	PROPN
fsr-3442	1	16	dean*,b	dean*,b	PROPN
fsr-3442	1	17	,	,	PUNCT
fsr-3442	1	18	tao	tao	PROPN
fsr-3442	1	19	guoc	guoc	PROPN
fsr-3442	1	20	,	,	PUNCT
fsr-3442	1	21	xu	xu	PROPN
fsr-3442	1	22	sund	sund	PROPN
fsr-3442	1	23	adepartment	adepartment	PROPN
fsr-3442	1	24	of	of	ADP
fsr-3442	1	25	finance	finance	NOUN
fsr-3442	1	26	and	and	CCONJ
fsr-3442	1	27	economics	economic	NOUN
fsr-3442	1	28	,	,	PUNCT
fsr-3442	1	29	woodbury	woodbury	PROPN
fsr-3442	1	30	school	school	PROPN
fsr-3442	1	31	of	of	ADP
fsr-3442	1	32	business	business	NOUN
fsr-3442	1	33	,	,	PUNCT
fsr-3442	1	34	utah	utah	PROPN
fsr-3442	1	35	valley	valley	PROPN
fsr-3442	1	36	university	university	PROPN
fsr-3442	1	37	,	,	PUNCT
fsr-3442	1	38	800	800	NUM
fsr-3442	1	39	w.	w.	PROPN
fsr-3442	1	40	university	university	PROPN
fsr-3442	1	41	parkway	parkway	PROPN
fsr-3442	1	42	,	,	PUNCT
fsr-3442	1	43	orem	orem	PROPN
fsr-3442	1	44	,	,	PUNCT
fsr-3442	1	45	ut	ut	PROPN
fsr-3442	1	46	84058	84058	NUM
fsr-3442	1	47	,	,	PUNCT
fsr-3442	1	48	usa	usa	PROPN
fsr-3442	1	49	bdepartment	bdepartment	NOUN
fsr-3442	1	50	of	of	ADP
fsr-3442	1	51	finance	finance	NOUN
fsr-3442	1	52	and	and	CCONJ
fsr-3442	1	53	economics	economic	NOUN
fsr-3442	1	54	,	,	PUNCT
fsr-3442	1	55	woodbury	woodbury	PROPN
fsr-3442	1	56	school	school	PROPN
fsr-3442	1	57	of	of	ADP
fsr-3442	1	58	business	business	NOUN
fsr-3442	1	59	,	,	PUNCT
fsr-3442	1	60	utah	utah	PROPN
fsr-3442	1	61	valley	valley	PROPN
fsr-3442	1	62	university	university	PROPN
fsr-3442	1	63	,	,	PUNCT
fsr-3442	1	64	800	800	NUM
fsr-3442	1	65	w.	w.	PROPN
fsr-3442	1	66	university	university	PROPN
fsr-3442	1	67	parkway	parkway	PROPN
fsr-3442	1	68	,	,	PUNCT
fsr-3442	1	69	orem	orem	PROPN
fsr-3442	1	70	,	,	PUNCT
fsr-3442	1	71	ut	ut	PROPN
fsr-3442	1	72	84058	84058	NUM
fsr-3442	1	73	,	,	PUNCT
fsr-3442	1	74	usa	usa	PROPN
fsr-3442	1	75	cdepartment	cdepartment	NOUN
fsr-3442	1	76	of	of	ADP
fsr-3442	1	77	economics	economic	NOUN
fsr-3442	1	78	,	,	PUNCT
fsr-3442	1	79	finance	finance	NOUN
fsr-3442	1	80	and	and	CCONJ
fsr-3442	1	81	global	global	ADJ
fsr-3442	1	82	business	business	NOUN
fsr-3442	1	83	,	,	PUNCT
fsr-3442	1	84	cotsakos	cotsakos	PROPN
fsr-3442	1	85	college	college	NOUN
fsr-3442	1	86	of	of	ADP
fsr-3442	1	87	business	business	NOUN
fsr-3442	1	88	,	,	PUNCT
fsr-3442	1	89	william	william	PROPN
fsr-3442	1	90	paterson	paterson	PROPN
fsr-3442	1	91	university	university	PROPN
fsr-3442	1	92	,	,	PUNCT
fsr-3442	1	93	1600	1600	NUM
fsr-3442	1	94	valley	valley	NOUN
fsr-3442	1	95	road	road	NOUN
fsr-3442	1	96	,	,	PUNCT
fsr-3442	1	97	wayne	wayne	PROPN
fsr-3442	1	98	,	,	PUNCT
fsr-3442	1	99	nj	nj	PROPN
fsr-3442	1	100	07470	07470	NUM
fsr-3442	1	101	,	,	PUNCT
fsr-3442	1	102	usa	usa	PROPN
fsr-3442	1	103	ddepartment	ddepartment	NOUN
fsr-3442	1	104	of	of	ADP
fsr-3442	1	105	finance	finance	NOUN
fsr-3442	1	106	and	and	CCONJ
fsr-3442	1	107	economics	economic	NOUN
fsr-3442	1	108	,	,	PUNCT
fsr-3442	1	109	woodbury	woodbury	PROPN
fsr-3442	1	110	school	school	PROPN
fsr-3442	1	111	of	of	ADP
fsr-3442	1	112	business	business	NOUN
fsr-3442	1	113	,	,	PUNCT
fsr-3442	1	114	utah	utah	PROPN
fsr-3442	1	115	valley	valley	PROPN
fsr-3442	1	116	university	university	PROPN
fsr-3442	1	117	,	,	PUNCT
fsr-3442	1	118	800	800	NUM
fsr-3442	1	119	w.	w.	PROPN
fsr-3442	1	120	university	university	PROPN
fsr-3442	1	121	parkway	parkway	PROPN
fsr-3442	1	122	,	,	PUNCT
fsr-3442	1	123	orem	orem	PROPN
fsr-3442	1	124	,	,	PUNCT
fsr-3442	1	125	ut	ut	PROPN
fsr-3442	1	126	84058	84058	NUM
fsr-3442	1	127	,	,	PUNCT
fsr-3442	1	128	usa	usa	PROPN
fsr-3442	1	129	abstract	abstract	NOUN
fsr-3442	1	130	this	this	DET
fsr-3442	1	131	study	study	NOUN
fsr-3442	1	132	uses	use	VERB
fsr-3442	1	133	2013	2013	NUM
fsr-3442	1	134	survey	survey	NOUN
fsr-3442	1	135	of	of	ADP
fsr-3442	1	136	consumer	consumer	NOUN
fsr-3442	1	137	finances	finance	NOUN
fsr-3442	1	138	data	datum	NOUN
fsr-3442	1	139	to	to	PART
fsr-3442	1	140	explore	explore	VERB
fsr-3442	1	141	the	the	DET
fsr-3442	1	142	impact	impact	NOUN
fsr-3442	1	143	of	of	ADP
fsr-3442	1	144	financial	financial	ADJ
fsr-3442	1	145	technologies	technology	NOUN
fsr-3442	1	146	on	on	ADP
fsr-3442	1	147	households	household	NOUN
fsr-3442	1	148	’	'	PUNCT
fsr-3442	1	149	positive	positive	ADJ
fsr-3442	1	150	financial	financial	ADJ
fsr-3442	1	151	behaviors	behavior	NOUN
fsr-3442	1	152	.	.	PUNCT
fsr-3442	2	1	after	after	ADP
fsr-3442	2	2	controlling	control	VERB
fsr-3442	2	3	for	for	ADP
fsr-3442	2	4	variables	variable	NOUN
fsr-3442	2	5	on	on	ADP
fsr-3442	2	6	general	general	ADJ
fsr-3442	2	7	capitals	capital	NOUN
fsr-3442	2	8	,	,	PUNCT
fsr-3442	2	9	financial	financial	ADJ
fsr-3442	2	10	literacy	literacy	NOUN
fsr-3442	2	11	capitals	capital	NOUN
fsr-3442	2	12	,	,	PUNCT
fsr-3442	2	13	and	and	CCONJ
fsr-3442	2	14	financial	financial	ADJ
fsr-3442	2	15	resources	resource	NOUN
fsr-3442	2	16	,	,	PUNCT
fsr-3442	2	17	we	we	PRON
fsr-3442	2	18	find	find	VERB
fsr-3442	2	19	that	that	SCONJ
fsr-3442	2	20	only	only	ADV
fsr-3442	2	21	planning	planning	NOUN
fsr-3442	2	22	technologies	technology	NOUN
fsr-3442	2	23	(	(	PUNCT
fsr-3442	2	24	e.g.	e.g.	ADV
fsr-3442	2	25	,	,	PUNCT
fsr-3442	2	26	direct	direct	ADJ
fsr-3442	2	27	deposit	deposit	NOUN
fsr-3442	2	28	and	and	CCONJ
fsr-3442	2	29	computer	computer	NOUN
fsr-3442	2	30	software	software	NOUN
fsr-3442	2	31	)	)	PUNCT
fsr-3442	2	32	are	be	AUX
fsr-3442	2	33	positively	positively	ADV
fsr-3442	2	34	related	relate	VERB
fsr-3442	2	35	to	to	ADP
fsr-3442	2	36	households	household	NOUN
fsr-3442	2	37	’	'	PUNCT
fsr-3442	2	38	engagement	engagement	NOUN
fsr-3442	2	39	in	in	ADP
fsr-3442	2	40	positive	positive	ADJ
fsr-3442	2	41	financial	financial	ADJ
fsr-3442	2	42	behaviors	behavior	NOUN
fsr-3442	2	43	.	.	PUNCT
fsr-3442	3	1	in	in	ADP
fsr-3442	3	2	contrast	contrast	NOUN
fsr-3442	3	3	,	,	PUNCT
fsr-3442	3	4	the	the	DET
fsr-3442	3	5	impact	impact	NOUN
fsr-3442	3	6	of	of	ADP
fsr-3442	3	7	transaction	transaction	NOUN
fsr-3442	3	8	technologies	technology	NOUN
fsr-3442	3	9	(	(	PUNCT
fsr-3442	3	10	e.g.	e.g.	ADV
fsr-3442	3	11	,	,	PUNCT
fsr-3442	3	12	using	use	VERB
fsr-3442	3	13	atm	atm	NOUN
fsr-3442	3	14	card	card	NOUN
fsr-3442	3	15	,	,	PUNCT
fsr-3442	3	16	credit	credit	NOUN
fsr-3442	3	17	card	card	NOUN
fsr-3442	3	18	,	,	PUNCT
fsr-3442	3	19	phone	phone	NOUN
fsr-3442	3	20	banking	banking	NOUN
fsr-3442	3	21	,	,	PUNCT
fsr-3442	3	22	and	and	CCONJ
fsr-3442	3	23	computer	computer	NOUN
fsr-3442	3	24	banking	banking	NOUN
fsr-3442	3	25	)	)	PUNCT
fsr-3442	3	26	is	be	AUX
fsr-3442	3	27	negative	negative	ADJ
fsr-3442	3	28	.	.	PUNCT
fsr-3442	4	1	policymakers	policymaker	NOUN
fsr-3442	4	2	and	and	CCONJ
fsr-3442	4	3	financial	financial	ADJ
fsr-3442	4	4	service	service	NOUN
fsr-3442	4	5	providers	provider	NOUN
fsr-3442	4	6	should	should	AUX
fsr-3442	4	7	assist	assist	VERB
fsr-3442	4	8	consumers	consumer	NOUN
fsr-3442	4	9	with	with	ADP
fsr-3442	4	10	better	well	ADJ
fsr-3442	4	11	financial	financial	ADJ
fsr-3442	4	12	tools	tool	NOUN
fsr-3442	4	13	and	and	CCONJ
fsr-3442	4	14	help	help	VERB
fsr-3442	4	15	them	they	PRON
fsr-3442	4	16	manage	manage	VERB
fsr-3442	4	17	financial	financial	ADJ
fsr-3442	4	18	resources	resource	NOUN
fsr-3442	4	19	and	and	CCONJ
fsr-3442	4	20	behaviors	behavior	NOUN
fsr-3442	4	21	.	.	PUNCT
fsr-3442	5	1	©	©	PROPN
fsr-3442	5	2	2021	2021	NUM
fsr-3442	5	3	academy	academy	NOUN
fsr-3442	5	4	of	of	ADP
fsr-3442	5	5	financial	financial	ADJ
fsr-3442	5	6	services	service	NOUN
fsr-3442	5	7	.	.	PUNCT
fsr-3442	6	1	all	all	DET
fsr-3442	6	2	rights	right	NOUN
fsr-3442	6	3	reserved	reserve	VERB
fsr-3442	6	4	.	.	PUNCT
fsr-3442	7	1	keywords	keyword	NOUN
fsr-3442	7	2	:	:	PUNCT
fsr-3442	7	3	financial	financial	ADJ
fsr-3442	7	4	technology	technology	NOUN
fsr-3442	7	5	;	;	PUNCT
fsr-3442	7	6	financial	financial	ADJ
fsr-3442	7	7	software	software	NOUN
fsr-3442	7	8	;	;	PUNCT
fsr-3442	7	9	positive	positive	ADJ
fsr-3442	7	10	financial	financial	ADJ
fsr-3442	7	11	behaviors	behavior	NOUN
fsr-3442	7	12	1	1	NUM
fsr-3442	7	13	.	.	PUNCT
fsr-3442	8	1	introduction	introduction	NOUN
fsr-3442	8	2	technological	technological	ADJ
fsr-3442	8	3	innovation	innovation	NOUN
fsr-3442	8	4	plays	play	VERB
fsr-3442	8	5	an	an	DET
fsr-3442	8	6	important	important	ADJ
fsr-3442	8	7	role	role	NOUN
fsr-3442	8	8	in	in	ADP
fsr-3442	8	9	the	the	DET
fsr-3442	8	10	development	development	NOUN
fsr-3442	8	11	of	of	ADP
fsr-3442	8	12	the	the	DET
fsr-3442	8	13	financial	financial	ADJ
fsr-3442	8	14	services	service	NOUN
fsr-3442	8	15	industry	industry	NOUN
fsr-3442	8	16	.	.	PUNCT
fsr-3442	9	1	the	the	DET
fsr-3442	9	2	way	way	NOUN
fsr-3442	9	3	households	household	NOUN
fsr-3442	9	4	manage	manage	VERB
fsr-3442	9	5	finances	finance	NOUN
fsr-3442	9	6	now	now	ADV
fsr-3442	9	7	has	have	AUX
fsr-3442	9	8	changed	change	VERB
fsr-3442	9	9	rapidly	rapidly	ADV
fsr-3442	9	10	over	over	ADP
fsr-3442	9	11	the	the	DET
fsr-3442	9	12	past	past	ADJ
fsr-3442	9	13	decade	decade	NOUN
fsr-3442	9	14	as	as	ADP
fsr-3442	9	15	a	a	DET
fsr-3442	9	16	variety	variety	NOUN
fsr-3442	9	17	of	of	ADP
fsr-3442	9	18	technologies	technology	NOUN
fsr-3442	9	19	,	,	PUNCT
fsr-3442	9	20	such	such	ADJ
fsr-3442	9	21	as	as	ADP
fsr-3442	9	22	electronic	electronic	ADJ
fsr-3442	9	23	banking	banking	NOUN
fsr-3442	9	24	and	and	CCONJ
fsr-3442	9	25	automated	automate	VERB
fsr-3442	9	26	advisers	adviser	NOUN
fsr-3442	9	27	,	,	PUNCT
fsr-3442	9	28	have	have	AUX
fsr-3442	9	29	been	be	AUX
fsr-3442	9	30	designed	design	VERB
fsr-3442	9	31	to	to	PART
fsr-3442	9	32	help	help	VERB
fsr-3442	9	33	households	household	NOUN
fsr-3442	9	34	achieve	achieve	VERB
fsr-3442	9	35	better	well	ADJ
fsr-3442	9	36	financial	financial	ADJ
fsr-3442	9	37	well	well	NOUN
fsr-3442	9	38	-	-	PUNCT
fsr-3442	9	39	being	being	NOUN
fsr-3442	9	40	.	.	PUNCT
fsr-3442	10	1	however	however	ADV
fsr-3442	10	2	,	,	PUNCT
fsr-3442	10	3	today	today	NOUN
fsr-3442	10	4	’s	’s	PART
fsr-3442	10	5	*	*	PUNCT
fsr-3442	10	6	corresponding	correspond	VERB
fsr-3442	10	7	author	author	NOUN
fsr-3442	10	8	.	.	PUNCT
fsr-3442	11	1	tel	tel	PROPN
fsr-3442	11	2	.	.	PUNCT
fsr-3442	11	3	:	:	PUNCT
fsr-3442	12	1	+1	+1	PROPN
fsr-3442	12	2	-	-	PUNCT
fsr-3442	12	3	801	801	NUM
fsr-3442	12	4	-	-	PUNCT
fsr-3442	12	5	863	863	NUM
fsr-3442	12	6	-	-	PUNCT
fsr-3442	12	7	8236	8236	NUM
fsr-3442	12	8	;	;	PUNCT
fsr-3442	12	9	fax	fax	NOUN
fsr-3442	12	10	:	:	PUNCT
fsr-3442	12	11	+1	+1	PROPN
fsr-3442	12	12	-	-	PUNCT
fsr-3442	12	13	801	801	NUM
fsr-3442	12	14	-	-	NUM
fsr-3442	12	15	863	863	NUM
fsr-3442	12	16	-	-	SYM
fsr-3442	12	17	7218	7218	NUM
fsr-3442	12	18	.	.	PUNCT
fsr-3442	13	1	e	e	X
fsr-3442	13	2	-	-	NOUN
fsr-3442	13	3	mail	mail	NOUN
fsr-3442	13	4	:	:	PUNCT
fsr-3442	13	5	luke.dean@uvu.edu	luke.dean@uvu.edu	PROPN
fsr-3442	13	6	1057	1057	NUM
fsr-3442	13	7	-	-	SYM
fsr-3442	13	8	0810/21/$	0810/21/$	NUM
fsr-3442	13	9	–	–	PUNCT
fsr-3442	13	10	see	see	VERB
fsr-3442	13	11	front	front	ADJ
fsr-3442	13	12	matter	matter	NOUN
fsr-3442	13	13	©	©	PROPN
fsr-3442	13	14	2021	2021	NUM
fsr-3442	13	15	academy	academy	NOUN
fsr-3442	13	16	of	of	ADP
fsr-3442	13	17	financial	financial	ADJ
fsr-3442	13	18	services	service	NOUN
fsr-3442	13	19	.	.	PUNCT
fsr-3442	14	1	all	all	DET
fsr-3442	14	2	rights	right	NOUN
fsr-3442	14	3	reserved	reserve	VERB
fsr-3442	14	4	.	.	PUNCT
fsr-3442	15	1	financial	financial	ADJ
fsr-3442	15	2	services	service	NOUN
fsr-3442	15	3	review	review	VERB
fsr-3442	15	4	29	29	NUM
fsr-3442	15	5	(	(	PUNCT
fsr-3442	15	6	2021	2021	NUM
fsr-3442	15	7	)	)	PUNCT
fsr-3442	15	8	29–54	29–54	NUM
fsr-3442	15	9	financial	financial	ADJ
fsr-3442	15	10	world	world	NOUN
fsr-3442	15	11	is	be	AUX
fsr-3442	15	12	much	much	ADV
fsr-3442	15	13	more	more	ADV
fsr-3442	15	14	complicated	complicated	ADJ
fsr-3442	15	15	because	because	SCONJ
fsr-3442	15	16	of	of	ADP
fsr-3442	15	17	the	the	DET
fsr-3442	15	18	wide	wide	ADJ
fsr-3442	15	19	range	range	NOUN
fsr-3442	15	20	of	of	ADP
fsr-3442	15	21	financial	financial	ADJ
fsr-3442	15	22	products	product	NOUN
fsr-3442	15	23	and	and	CCONJ
fsr-3442	15	24	services	service	NOUN
fsr-3442	15	25	(	(	PUNCT
fsr-3442	15	26	parrish	parrish	PROPN
fsr-3442	15	27	&	&	CCONJ
fsr-3442	15	28	servon	servon	PROPN
fsr-3442	15	29	,	,	PUNCT
fsr-3442	15	30	2006	2006	NUM
fsr-3442	15	31	)	)	PUNCT
fsr-3442	15	32	.	.	PUNCT
fsr-3442	16	1	most	most	ADJ
fsr-3442	16	2	of	of	ADP
fsr-3442	16	3	these	these	DET
fsr-3442	16	4	products	product	NOUN
fsr-3442	16	5	and	and	CCONJ
fsr-3442	16	6	services	service	NOUN
fsr-3442	16	7	are	be	AUX
fsr-3442	16	8	associated	associate	VERB
fsr-3442	16	9	with	with	ADP
fsr-3442	16	10	e	e	NOUN
fsr-3442	16	11	-	-	ADJ
fsr-3442	16	12	banking	banking	ADJ
fsr-3442	16	13	products	product	NOUN
fsr-3442	16	14	and	and	CCONJ
fsr-3442	16	15	services	service	NOUN
fsr-3442	16	16	provided	provide	VERB
fsr-3442	16	17	by	by	ADP
fsr-3442	16	18	banks	bank	NOUN
fsr-3442	16	19	and	and	CCONJ
fsr-3442	16	20	financial	financial	ADJ
fsr-3442	16	21	institutions	institution	NOUN
fsr-3442	16	22	,	,	PUNCT
fsr-3442	16	23	such	such	ADJ
fsr-3442	16	24	as	as	ADP
fsr-3442	16	25	automated	automate	VERB
fsr-3442	16	26	teller	teller	NOUN
fsr-3442	16	27	machine	machine	NOUN
fsr-3442	16	28	(	(	PUNCT
fsr-3442	16	29	atm	atm	NOUN
fsr-3442	16	30	)	)	PUNCT
fsr-3442	16	31	,	,	PUNCT
fsr-3442	16	32	credit	credit	NOUN
fsr-3442	16	33	cards	card	NOUN
fsr-3442	16	34	,	,	PUNCT
fsr-3442	16	35	direct	direct	ADJ
fsr-3442	16	36	deposit	deposit	NOUN
fsr-3442	16	37	,	,	PUNCT
fsr-3442	16	38	preauthorized	preauthorized	ADJ
fsr-3442	16	39	debit	debit	NOUN
fsr-3442	16	40	,	,	PUNCT
fsr-3442	16	41	phone	phone	NOUN
fsr-3442	16	42	banking	banking	NOUN
fsr-3442	16	43	,	,	PUNCT
fsr-3442	16	44	online	online	ADJ
fsr-3442	16	45	banking	banking	NOUN
fsr-3442	16	46	,	,	PUNCT
fsr-3442	16	47	and	and	CCONJ
fsr-3442	16	48	so	so	ADV
fsr-3442	16	49	forth	forth	ADV
fsr-3442	16	50	.	.	PUNCT
fsr-3442	17	1	a	a	DET
fsr-3442	17	2	recent	recent	ADJ
fsr-3442	17	3	report	report	NOUN
fsr-3442	17	4	on	on	ADP
fsr-3442	17	5	consumer	consumer	NOUN
fsr-3442	17	6	mobile	mobile	ADJ
fsr-3442	17	7	banking	banking	NOUN
fsr-3442	17	8	finds	find	VERB
fsr-3442	17	9	that	that	SCONJ
fsr-3442	17	10	over	over	ADP
fsr-3442	17	11	three	three	NUM
fsr-3442	17	12	-	-	PUNCT
fsr-3442	17	13	fourths	fourth	NOUN
fsr-3442	17	14	of	of	ADP
fsr-3442	17	15	the	the	DET
fsr-3442	17	16	u.s	u.s	PROPN
fsr-3442	17	17	.	.	PROPN
fsr-3442	17	18	population	population	NOUN
fsr-3442	17	19	now	now	ADV
fsr-3442	17	20	has	have	VERB
fsr-3442	17	21	a	a	DET
fsr-3442	17	22	smartphone	smartphone	NOUN
fsr-3442	17	23	(	(	PUNCT
fsr-3442	17	24	pew	pew	NOUN
fsr-3442	17	25	research	research	NOUN
fsr-3442	17	26	center	center	NOUN
fsr-3442	17	27	,	,	PUNCT
fsr-3442	17	28	2018	2018	NUM
fsr-3442	17	29	)	)	PUNCT
fsr-3442	17	30	,	,	PUNCT
fsr-3442	17	31	and	and	CCONJ
fsr-3442	17	32	about	about	ADV
fsr-3442	17	33	50	50	NUM
fsr-3442	17	34	%	%	NOUN
fsr-3442	17	35	of	of	ADP
fsr-3442	17	36	users	user	NOUN
fsr-3442	17	37	have	have	AUX
fsr-3442	17	38	used	use	VERB
fsr-3442	17	39	mobile	mobile	ADJ
fsr-3442	17	40	banking	banking	NOUN
fsr-3442	17	41	in	in	ADP
fsr-3442	17	42	the	the	DET
fsr-3442	17	43	past	past	ADJ
fsr-3442	17	44	12months	12months	NUM
fsr-3442	17	45	(	(	PUNCT
fsr-3442	17	46	merry	merry	ADJ
fsr-3442	17	47	,	,	PUNCT
fsr-3442	17	48	2018	2018	NUM
fsr-3442	17	49	)	)	PUNCT
fsr-3442	17	50	.	.	PUNCT
fsr-3442	18	1	it	it	PRON
fsr-3442	18	2	is	be	AUX
fsr-3442	18	3	said	say	VERB
fsr-3442	18	4	that	that	SCONJ
fsr-3442	18	5	electronic	electronic	ADJ
fsr-3442	18	6	banking	banking	NOUN
fsr-3442	18	7	technologies	technology	NOUN
fsr-3442	18	8	have	have	AUX
fsr-3442	18	9	improved	improve	VERB
fsr-3442	18	10	the	the	DET
fsr-3442	18	11	effectiveness	effectiveness	NOUN
fsr-3442	18	12	of	of	ADP
fsr-3442	18	13	distribution	distribution	NOUN
fsr-3442	18	14	channels	channel	NOUN
fsr-3442	18	15	by	by	ADP
fsr-3442	18	16	reducing	reduce	VERB
fsr-3442	18	17	the	the	DET
fsr-3442	18	18	transaction	transaction	NOUN
fsr-3442	18	19	costs	cost	NOUN
fsr-3442	18	20	and	and	CCONJ
fsr-3442	18	21	service	service	NOUN
fsr-3442	18	22	time	time	NOUN
fsr-3442	18	23	(	(	PUNCT
fsr-3442	18	24	lee	lee	PROPN
fsr-3442	18	25	&	&	CCONJ
fsr-3442	18	26	lee	lee	PROPN
fsr-3442	18	27	,	,	PUNCT
fsr-3442	18	28	2001	2001	NUM
fsr-3442	18	29	)	)	PUNCT
fsr-3442	18	30	and	and	CCONJ
fsr-3442	18	31	expanding	expand	VERB
fsr-3442	18	32	credit	credit	NOUN
fsr-3442	18	33	access	access	NOUN
fsr-3442	18	34	in	in	ADP
fsr-3442	18	35	consumer	consumer	NOUN
fsr-3442	18	36	lending	lending	NOUN
fsr-3442	18	37	(	(	PUNCT
fsr-3442	18	38	jagtiani	jagtiani	PROPN
fsr-3442	18	39	&	&	CCONJ
fsr-3442	18	40	lemieux	lemieux	PROPN
fsr-3442	18	41	,	,	PUNCT
fsr-3442	18	42	2018	2018	NUM
fsr-3442	18	43	)	)	PUNCT
fsr-3442	18	44	.	.	PUNCT
fsr-3442	19	1	however	however	ADV
fsr-3442	19	2	,	,	PUNCT
fsr-3442	19	3	there	there	PRON
fsr-3442	19	4	is	be	VERB
fsr-3442	19	5	mixed	mixed	ADJ
fsr-3442	19	6	evidence	evidence	NOUN
fsr-3442	19	7	regarding	regard	VERB
fsr-3442	19	8	whether	whether	SCONJ
fsr-3442	19	9	e	e	NOUN
fsr-3442	19	10	-	-	ADJ
fsr-3442	19	11	banking	banking	ADJ
fsr-3442	19	12	technologies	technology	NOUN
fsr-3442	19	13	are	be	AUX
fsr-3442	19	14	helpful	helpful	ADJ
fsr-3442	19	15	in	in	ADP
fsr-3442	19	16	managing	manage	VERB
fsr-3442	19	17	household	household	NOUN
fsr-3442	19	18	finance	finance	NOUN
fsr-3442	19	19	.	.	PUNCT
fsr-3442	20	1	some	some	DET
fsr-3442	20	2	research	research	NOUN
fsr-3442	20	3	finds	find	VERB
fsr-3442	20	4	that	that	SCONJ
fsr-3442	20	5	electronic	electronic	ADJ
fsr-3442	20	6	banking	banking	NOUN
fsr-3442	20	7	technologies	technology	NOUN
fsr-3442	20	8	help	help	VERB
fsr-3442	20	9	consumers	consumer	NOUN
fsr-3442	20	10	save	save	VERB
fsr-3442	20	11	time	time	NOUN
fsr-3442	20	12	in	in	ADP
fsr-3442	20	13	managing	manage	VERB
fsr-3442	20	14	their	their	PRON
fsr-3442	20	15	finances	finance	NOUN
fsr-3442	20	16	through	through	ADP
fsr-3442	20	17	easier	easy	ADJ
fsr-3442	20	18	access	access	NOUN
fsr-3442	20	19	to	to	ADP
fsr-3442	20	20	financial	financial	ADJ
fsr-3442	20	21	services	service	NOUN
fsr-3442	20	22	(	(	PUNCT
fsr-3442	20	23	anguelov	anguelov	NOUN
fsr-3442	20	24	,	,	PUNCT
fsr-3442	20	25	hilgert	hilgert	PROPN
fsr-3442	20	26	,	,	PUNCT
fsr-3442	20	27	&	&	CCONJ
fsr-3442	20	28	hogarth	hogarth	NOUN
fsr-3442	20	29	,	,	PUNCT
fsr-3442	20	30	2004	2004	NUM
fsr-3442	20	31	)	)	PUNCT
fsr-3442	20	32	.	.	PUNCT
fsr-3442	21	1	other	other	ADJ
fsr-3442	21	2	studies	study	NOUN
fsr-3442	21	3	find	find	VERB
fsr-3442	21	4	that	that	SCONJ
fsr-3442	21	5	consumers	consumer	NOUN
fsr-3442	21	6	are	be	AUX
fsr-3442	21	7	concerned	concerned	ADJ
fsr-3442	21	8	about	about	ADP
fsr-3442	21	9	security	security	NOUN
fsr-3442	21	10	issues	issue	NOUN
fsr-3442	21	11	associated	associate	VERB
fsr-3442	21	12	with	with	ADP
fsr-3442	21	13	online	online	ADJ
fsr-3442	21	14	banking	banking	NOUN
fsr-3442	21	15	(	(	PUNCT
fsr-3442	21	16	hamlet	hamlet	PROPN
fsr-3442	21	17	&	&	CCONJ
fsr-3442	21	18	strube	strube	PROPN
fsr-3442	21	19	,	,	PUNCT
fsr-3442	21	20	2000	2000	NUM
fsr-3442	21	21	)	)	PUNCT
fsr-3442	21	22	.	.	PUNCT
fsr-3442	22	1	although	although	SCONJ
fsr-3442	22	2	many	many	ADJ
fsr-3442	22	3	researchers	researcher	NOUN
fsr-3442	22	4	have	have	AUX
fsr-3442	22	5	investigated	investigate	VERB
fsr-3442	22	6	the	the	DET
fsr-3442	22	7	determinants	determinant	NOUN
fsr-3442	22	8	for	for	SCONJ
fsr-3442	22	9	consumers	consumer	NOUN
fsr-3442	22	10	to	to	PART
fsr-3442	22	11	adopt	adopt	VERB
fsr-3442	22	12	internet	internet	NOUN
fsr-3442	22	13	banking	banking	NOUN
fsr-3442	22	14	(	(	PUNCT
fsr-3442	22	15	kim	kim	PROPN
fsr-3442	22	16	,	,	PUNCT
fsr-3442	22	17	widdows	widdow	NOUN
fsr-3442	22	18	,	,	PUNCT
fsr-3442	22	19	&	&	CCONJ
fsr-3442	22	20	yilmazer	yilmazer	NOUN
fsr-3442	22	21	,	,	PUNCT
fsr-3442	22	22	2005	2005	NUM
fsr-3442	22	23	;	;	PUNCT
fsr-3442	22	24	jun	jun	PROPN
fsr-3442	22	25	&	&	CCONJ
fsr-3442	22	26	cai	cai	PROPN
fsr-3442	22	27	,	,	PUNCT
fsr-3442	22	28	2001	2001	NUM
fsr-3442	22	29	;	;	PUNCT
fsr-3442	22	30	lee	lee	PROPN
fsr-3442	22	31	,	,	PUNCT
fsr-3442	22	32	lee	lee	PROPN
fsr-3442	22	33	,	,	PUNCT
fsr-3442	22	34	&	&	CCONJ
fsr-3442	22	35	eastwood	eastwood	PROPN
fsr-3442	22	36	,	,	PUNCT
fsr-3442	22	37	2003	2003	NUM
fsr-3442	22	38	;	;	PUNCT
fsr-3442	22	39	lee	lee	PROPN
fsr-3442	22	40	&	&	CCONJ
fsr-3442	22	41	lee	lee	PROPN
fsr-3442	22	42	,	,	PUNCT
fsr-3442	22	43	2000	2000	NUM
fsr-3442	22	44	)	)	PUNCT
fsr-3442	22	45	,	,	PUNCT
fsr-3442	22	46	the	the	DET
fsr-3442	22	47	literature	literature	NOUN
fsr-3442	22	48	on	on	ADP
fsr-3442	22	49	the	the	DET
fsr-3442	22	50	impact	impact	NOUN
fsr-3442	22	51	of	of	ADP
fsr-3442	22	52	electronic	electronic	ADJ
fsr-3442	22	53	technology	technology	NOUN
fsr-3442	22	54	is	be	AUX
fsr-3442	22	55	very	very	ADV
fsr-3442	22	56	limited	limited	ADJ
fsr-3442	22	57	.	.	PUNCT
fsr-3442	23	1	son	son	NOUN
fsr-3442	23	2	and	and	CCONJ
fsr-3442	23	3	hanna	hanna	PROPN
fsr-3442	23	4	(	(	PUNCT
fsr-3442	23	5	2011	2011	NUM
fsr-3442	23	6	)	)	PUNCT
fsr-3442	23	7	find	find	VERB
fsr-3442	23	8	that	that	SCONJ
fsr-3442	23	9	the	the	DET
fsr-3442	23	10	internet	internet	NOUN
fsr-3442	23	11	affects	affect	VERB
fsr-3442	23	12	how	how	SCONJ
fsr-3442	23	13	consumers	consumer	NOUN
fsr-3442	23	14	use	use	VERB
fsr-3442	23	15	financial	financial	ADJ
fsr-3442	23	16	services	service	NOUN
fsr-3442	23	17	and	and	CCONJ
fsr-3442	23	18	how	how	SCONJ
fsr-3442	23	19	consumers	consumer	NOUN
fsr-3442	23	20	search	search	VERB
fsr-3442	23	21	and	and	CCONJ
fsr-3442	23	22	evaluate	evaluate	VERB
fsr-3442	23	23	financial	financial	ADJ
fsr-3442	23	24	information	information	NOUN
fsr-3442	23	25	before	before	ADP
fsr-3442	23	26	making	make	VERB
fsr-3442	23	27	financial	financial	ADJ
fsr-3442	23	28	decisions	decision	NOUN
fsr-3442	23	29	.	.	PUNCT
fsr-3442	24	1	evidence	evidence	NOUN
fsr-3442	24	2	shows	show	VERB
fsr-3442	24	3	that	that	SCONJ
fsr-3442	24	4	technological	technological	ADJ
fsr-3442	24	5	training	training	NOUN
fsr-3442	24	6	and	and	CCONJ
fsr-3442	24	7	e	e	NOUN
fsr-3442	24	8	-	-	ADJ
fsr-3442	24	9	banking	banking	ADJ
fsr-3442	24	10	support	support	NOUN
fsr-3442	24	11	financial	financial	ADJ
fsr-3442	24	12	literacy	literacy	NOUN
fsr-3442	24	13	(	(	PUNCT
fsr-3442	24	14	servon	servon	PROPN
fsr-3442	24	15	&	&	CCONJ
fsr-3442	24	16	kaestner	kaestner	NOUN
fsr-3442	24	17	,	,	PUNCT
fsr-3442	24	18	2008	2008	NUM
fsr-3442	24	19	)	)	PUNCT
fsr-3442	24	20	.	.	PUNCT
fsr-3442	25	1	while	while	SCONJ
fsr-3442	25	2	the	the	DET
fsr-3442	25	3	question	question	NOUN
fsr-3442	25	4	is	be	AUX
fsr-3442	25	5	:	:	PUNCT
fsr-3442	25	6	are	be	AUX
fsr-3442	25	7	households	household	NOUN
fsr-3442	25	8	who	who	PRON
fsr-3442	25	9	adopt	adopt	VERB
fsr-3442	25	10	these	these	DET
fsr-3442	25	11	transaction	transaction	NOUN
fsr-3442	25	12	-	-	PUNCT
fsr-3442	25	13	based	base	VERB
fsr-3442	25	14	technologies	technology	NOUN
fsr-3442	25	15	improving	improve	VERB
fsr-3442	25	16	their	their	PRON
fsr-3442	25	17	financial	financial	ADJ
fsr-3442	25	18	well	well	ADV
fsr-3442	25	19	-	-	PUNCT
fsr-3442	25	20	being	be	AUX
fsr-3442	25	21	status	status	NOUN
fsr-3442	25	22	?	?	PUNCT
fsr-3442	26	1	in	in	ADP
fsr-3442	26	2	this	this	DET
fsr-3442	26	3	article	article	NOUN
fsr-3442	26	4	,	,	PUNCT
fsr-3442	26	5	we	we	PRON
fsr-3442	26	6	use	use	VERB
fsr-3442	26	7	the	the	DET
fsr-3442	26	8	term	term	NOUN
fsr-3442	26	9	“	"	PUNCT
fsr-3442	26	10	financial	financial	ADJ
fsr-3442	26	11	technology	technology	NOUN
fsr-3442	26	12	”	"	PUNCT
fsr-3442	26	13	to	to	PART
fsr-3442	26	14	include	include	VERB
fsr-3442	26	15	both	both	PRON
fsr-3442	26	16	electronic	electronic	ADJ
fsr-3442	26	17	technology	technology	NOUN
fsr-3442	26	18	and	and	CCONJ
fsr-3442	26	19	computer	computer	NOUN
fsr-3442	26	20	software	software	NOUN
fsr-3442	26	21	technology	technology	NOUN
fsr-3442	26	22	,	,	PUNCT
fsr-3442	26	23	and	and	CCONJ
fsr-3442	26	24	examine	examine	VERB
fsr-3442	26	25	the	the	DET
fsr-3442	26	26	impact	impact	NOUN
fsr-3442	26	27	of	of	ADP
fsr-3442	26	28	using	use	VERB
fsr-3442	26	29	financial	financial	ADJ
fsr-3442	26	30	technology	technology	NOUN
fsr-3442	26	31	on	on	ADP
fsr-3442	26	32	households	household	NOUN
fsr-3442	26	33	’	'	PUNCT
fsr-3442	26	34	positive	positive	ADJ
fsr-3442	26	35	financial	financial	ADJ
fsr-3442	26	36	behaviors	behavior	NOUN
fsr-3442	26	37	.	.	PUNCT
fsr-3442	27	1	we	we	PRON
fsr-3442	27	2	hypothesize	hypothesize	VERB
fsr-3442	27	3	that	that	SCONJ
fsr-3442	27	4	different	different	ADJ
fsr-3442	27	5	types	type	NOUN
fsr-3442	27	6	of	of	ADP
fsr-3442	27	7	financial	financial	ADJ
fsr-3442	27	8	technologies	technology	NOUN
fsr-3442	27	9	affect	affect	VERB
fsr-3442	27	10	household	household	NOUN
fsr-3442	27	11	financial	financial	ADJ
fsr-3442	27	12	behaviors	behavior	NOUN
fsr-3442	27	13	differently	differently	ADV
fsr-3442	27	14	.	.	PUNCT
fsr-3442	28	1	specifically	specifically	ADV
fsr-3442	28	2	,	,	PUNCT
fsr-3442	28	3	we	we	PRON
fsr-3442	28	4	use	use	VERB
fsr-3442	28	5	a	a	DET
fsr-3442	28	6	life	life	NOUN
fsr-3442	28	7	cycle	cycle	NOUN
fsr-3442	28	8	and	and	CCONJ
fsr-3442	28	9	human	human	ADJ
fsr-3442	28	10	capital	capital	NOUN
fsr-3442	28	11	theoretical	theoretical	ADJ
fsr-3442	28	12	framework	framework	NOUN
fsr-3442	28	13	and	and	CCONJ
fsr-3442	28	14	differentiate	differentiate	VERB
fsr-3442	28	15	two	two	NUM
fsr-3442	28	16	types	type	NOUN
fsr-3442	28	17	of	of	ADP
fsr-3442	28	18	financial	financial	ADJ
fsr-3442	28	19	technologies	technology	NOUN
fsr-3442	28	20	:	:	PUNCT
fsr-3442	28	21	transaction	transaction	NOUN
fsr-3442	28	22	-	-	PUNCT
fsr-3442	28	23	based	base	VERB
fsr-3442	28	24	financial	financial	ADJ
fsr-3442	28	25	technologies	technology	NOUN
fsr-3442	28	26	(	(	PUNCT
fsr-3442	28	27	i.e.	i.e.	X
fsr-3442	28	28	,	,	PUNCT
fsr-3442	28	29	atm	atm	NOUN
fsr-3442	28	30	card	card	NOUN
fsr-3442	28	31	,	,	PUNCT
fsr-3442	28	32	credit	credit	NOUN
fsr-3442	28	33	card	card	NOUN
fsr-3442	28	34	,	,	PUNCT
fsr-3442	28	35	phone	phone	NOUN
fsr-3442	28	36	banking	banking	NOUN
fsr-3442	28	37	,	,	PUNCT
fsr-3442	28	38	and	and	CCONJ
fsr-3442	28	39	computer	computer	NOUN
fsr-3442	28	40	banking	banking	NOUN
fsr-3442	28	41	)	)	PUNCT
fsr-3442	28	42	,	,	PUNCT
fsr-3442	28	43	and	and	CCONJ
fsr-3442	28	44	planningbased	planningbase	VERB
fsr-3442	28	45	financial	financial	ADJ
fsr-3442	28	46	technologies	technology	NOUN
fsr-3442	28	47	(	(	PUNCT
fsr-3442	28	48	i.e.	i.e.	X
fsr-3442	28	49	,	,	PUNCT
fsr-3442	28	50	preauthorized	preauthorized	ADJ
fsr-3442	28	51	debit	debit	NOUN
fsr-3442	28	52	,	,	PUNCT
fsr-3442	28	53	direct	direct	ADJ
fsr-3442	28	54	deposit	deposit	NOUN
fsr-3442	28	55	,	,	PUNCT
fsr-3442	28	56	and	and	CCONJ
fsr-3442	28	57	computer	computer	NOUN
fsr-3442	28	58	software	software	NOUN
fsr-3442	28	59	use	use	NOUN
fsr-3442	28	60	)	)	PUNCT
fsr-3442	28	61	.	.	PUNCT
fsr-3442	29	1	we	we	PRON
fsr-3442	29	2	hypothesize	hypothesize	VERB
fsr-3442	29	3	that	that	SCONJ
fsr-3442	29	4	transaction	transaction	NOUN
fsr-3442	29	5	-	-	PUNCT
fsr-3442	29	6	based	base	VERB
fsr-3442	29	7	financial	financial	ADJ
fsr-3442	29	8	technologies	technology	NOUN
fsr-3442	29	9	should	should	AUX
fsr-3442	29	10	be	be	AUX
fsr-3442	29	11	negatively	negatively	ADV
fsr-3442	29	12	related	relate	VERB
fsr-3442	29	13	to	to	ADP
fsr-3442	29	14	positive	positive	ADJ
fsr-3442	29	15	financial	financial	ADJ
fsr-3442	29	16	behaviors	behavior	NOUN
fsr-3442	29	17	as	as	SCONJ
fsr-3442	29	18	they	they	PRON
fsr-3442	29	19	greatly	greatly	ADV
fsr-3442	29	20	increase	increase	VERB
fsr-3442	29	21	the	the	DET
fsr-3442	29	22	ease	ease	NOUN
fsr-3442	29	23	of	of	ADP
fsr-3442	29	24	accessing	access	VERB
fsr-3442	29	25	financial	financial	ADJ
fsr-3442	29	26	capital	capital	NOUN
fsr-3442	29	27	and	and	CCONJ
fsr-3442	29	28	the	the	DET
fsr-3442	29	29	risks	risk	NOUN
fsr-3442	29	30	of	of	ADP
fsr-3442	29	31	overspending	overspending	NOUN
fsr-3442	29	32	as	as	ADV
fsr-3442	29	33	well	well	ADV
fsr-3442	29	34	,	,	PUNCT
fsr-3442	29	35	especially	especially	ADV
fsr-3442	29	36	for	for	ADP
fsr-3442	29	37	customers	customer	NOUN
fsr-3442	29	38	with	with	ADP
fsr-3442	29	39	self	self	NOUN
fsr-3442	29	40	-	-	PUNCT
fsr-3442	29	41	control	control	NOUN
fsr-3442	29	42	issues	issue	NOUN
fsr-3442	29	43	.	.	PUNCT
fsr-3442	30	1	in	in	ADP
fsr-3442	30	2	contrast	contrast	NOUN
fsr-3442	30	3	,	,	PUNCT
fsr-3442	30	4	planning	planning	NOUN
fsr-3442	30	5	-	-	PUNCT
fsr-3442	30	6	based	base	VERB
fsr-3442	30	7	financial	financial	ADJ
fsr-3442	30	8	technologies	technology	NOUN
fsr-3442	30	9	should	should	AUX
fsr-3442	30	10	be	be	AUX
fsr-3442	30	11	positively	positively	ADV
fsr-3442	30	12	associated	associate	VERB
fsr-3442	30	13	with	with	ADP
fsr-3442	30	14	financial	financial	ADJ
fsr-3442	30	15	behaviors	behavior	NOUN
fsr-3442	30	16	as	as	ADP
fsr-3442	30	17	households	household	NOUN
fsr-3442	30	18	with	with	ADP
fsr-3442	30	19	clear	clear	ADJ
fsr-3442	30	20	planning	planning	NOUN
fsr-3442	30	21	goals	goal	NOUN
fsr-3442	30	22	are	be	AUX
fsr-3442	30	23	more	more	ADV
fsr-3442	30	24	likely	likely	ADJ
fsr-3442	30	25	to	to	PART
fsr-3442	30	26	save	save	VERB
fsr-3442	30	27	for	for	ADP
fsr-3442	30	28	the	the	DET
fsr-3442	30	29	future	future	NOUN
fsr-3442	30	30	efficiently	efficiently	ADV
fsr-3442	30	31	.	.	PUNCT
fsr-3442	31	1	to	to	PART
fsr-3442	31	2	test	test	VERB
fsr-3442	31	3	the	the	DET
fsr-3442	31	4	hypotheses	hypothesis	NOUN
fsr-3442	31	5	,	,	PUNCT
fsr-3442	31	6	we	we	PRON
fsr-3442	31	7	construct	construct	VERB
fsr-3442	31	8	our	our	PRON
fsr-3442	31	9	sample	sample	NOUN
fsr-3442	31	10	using	use	VERB
fsr-3442	31	11	the	the	DET
fsr-3442	31	12	data	datum	NOUN
fsr-3442	31	13	from	from	ADP
fsr-3442	31	14	the	the	DET
fsr-3442	31	15	2013	2013	NUM
fsr-3442	31	16	survey	survey	NOUN
fsr-3442	31	17	of	of	ADP
fsr-3442	31	18	consumer	consumer	NOUN
fsr-3442	31	19	finances	finance	NOUN
fsr-3442	31	20	(	(	PUNCT
fsr-3442	31	21	scf	scf	PROPN
fsr-3442	31	22	)	)	PUNCT
fsr-3442	31	23	.	.	PUNCT
fsr-3442	32	1	following	follow	VERB
fsr-3442	32	2	previous	previous	ADJ
fsr-3442	32	3	studies	study	NOUN
fsr-3442	32	4	in	in	ADP
fsr-3442	32	5	dew	dew	NOUN
fsr-3442	32	6	and	and	CCONJ
fsr-3442	32	7	xiao	xiao	PROPN
fsr-3442	32	8	(	(	PUNCT
fsr-3442	32	9	2011	2011	NUM
fsr-3442	32	10	)	)	PUNCT
fsr-3442	32	11	,	,	PUNCT
fsr-3442	32	12	xiao	xiao	PROPN
fsr-3442	32	13	et	et	PROPN
fsr-3442	32	14	al	al	PROPN
fsr-3442	32	15	.	.	PROPN
fsr-3442	32	16	(	(	PUNCT
fsr-3442	32	17	2007	2007	NUM
fsr-3442	32	18	)	)	PUNCT
fsr-3442	32	19	,	,	PUNCT
fsr-3442	32	20	worthy	worthy	ADJ
fsr-3442	32	21	et	et	PROPN
fsr-3442	32	22	al	al	PROPN
fsr-3442	32	23	.	.	PUNCT
fsr-3442	32	24	(	(	PUNCT
fsr-3442	32	25	2010	2010	NUM
fsr-3442	32	26	)	)	PUNCT
fsr-3442	32	27	,	,	PUNCT
fsr-3442	32	28	and	and	CCONJ
fsr-3442	32	29	hayhoe	hayhoe	VERB
fsr-3442	32	30	et	et	PROPN
fsr-3442	32	31	al	al	PROPN
fsr-3442	32	32	.	.	PUNCT
fsr-3442	33	1	(	(	PUNCT
fsr-3442	33	2	2000	2000	NUM
fsr-3442	33	3	)	)	PUNCT
fsr-3442	33	4	,	,	PUNCT
fsr-3442	33	5	we	we	PRON
fsr-3442	33	6	first	first	ADV
fsr-3442	33	7	measure	measure	VERB
fsr-3442	33	8	positive	positive	ADJ
fsr-3442	33	9	financial	financial	ADJ
fsr-3442	33	10	behaviors	behavior	NOUN
fsr-3442	33	11	based	base	VERB
fsr-3442	33	12	on	on	ADP
fsr-3442	33	13	13	13	NUM
fsr-3442	33	14	financial	financial	ADJ
fsr-3442	33	15	behaviors	behavior	NOUN
fsr-3442	33	16	.	.	PUNCT
fsr-3442	34	1	we	we	PRON
fsr-3442	34	2	then	then	ADV
fsr-3442	34	3	create	create	VERB
fsr-3442	34	4	three	three	NUM
fsr-3442	34	5	proxies	proxy	NOUN
fsr-3442	34	6	for	for	ADP
fsr-3442	34	7	positive	positive	ADJ
fsr-3442	34	8	financial	financial	ADJ
fsr-3442	34	9	behaviors	behavior	NOUN
fsr-3442	34	10	using	use	VERB
fsr-3442	34	11	different	different	ADJ
fsr-3442	34	12	methodologies	methodology	NOUN
fsr-3442	34	13	including	include	VERB
fsr-3442	34	14	principal	principal	ADJ
fsr-3442	34	15	component	component	NOUN
fsr-3442	34	16	analysis	analysis	NOUN
fsr-3442	34	17	based	base	VERB
fsr-3442	34	18	on	on	ADP
fsr-3442	34	19	these	these	DET
fsr-3442	34	20	thirteen	thirteen	NUM
fsr-3442	34	21	financial	financial	ADJ
fsr-3442	34	22	behaviors	behavior	NOUN
fsr-3442	34	23	.	.	PUNCT
fsr-3442	35	1	to	to	PART
fsr-3442	35	2	test	test	VERB
fsr-3442	35	3	how	how	SCONJ
fsr-3442	35	4	different	different	ADJ
fsr-3442	35	5	types	type	NOUN
fsr-3442	35	6	of	of	ADP
fsr-3442	35	7	financial	financial	ADJ
fsr-3442	35	8	technologies	technology	NOUN
fsr-3442	35	9	affect	affect	VERB
fsr-3442	35	10	household	household	NOUN
fsr-3442	35	11	financial	financial	ADJ
fsr-3442	35	12	behaviors	behavior	NOUN
fsr-3442	35	13	,	,	PUNCT
fsr-3442	35	14	we	we	PRON
fsr-3442	35	15	also	also	ADV
fsr-3442	35	16	use	use	VERB
fsr-3442	35	17	principal	principal	ADJ
fsr-3442	35	18	component	component	NOUN
fsr-3442	35	19	analysis	analysis	NOUN
fsr-3442	35	20	to	to	PART
fsr-3442	35	21	construct	construct	VERB
fsr-3442	35	22	a	a	DET
fsr-3442	35	23	30	30	NUM
fsr-3442	35	24	q.	q.	NOUN
fsr-3442	35	25	bi	bi	NOUN
fsr-3442	35	26	et	et	PROPN
fsr-3442	35	27	al	al	PROPN
fsr-3442	35	28	.	.	PUNCT
fsr-3442	35	29	/	/	SYM
fsr-3442	35	30	financial	financial	ADJ
fsr-3442	35	31	services	service	NOUN
fsr-3442	35	32	review	review	VERB
fsr-3442	35	33	29	29	NUM
fsr-3442	35	34	(	(	PUNCT
fsr-3442	35	35	2021	2021	NUM
fsr-3442	35	36	)	)	PUNCT
fsr-3442	35	37	29–54	29–54	NUM
fsr-3442	35	38	measure	measure	NOUN
fsr-3442	35	39	of	of	ADP
fsr-3442	35	40	transaction	transaction	NOUN
fsr-3442	35	41	-	-	PUNCT
fsr-3442	35	42	based	base	VERB
fsr-3442	35	43	technology	technology	NOUN
fsr-3442	35	44	usage	usage	NOUN
fsr-3442	35	45	and	and	CCONJ
fsr-3442	35	46	a	a	DET
fsr-3442	35	47	measure	measure	NOUN
fsr-3442	35	48	of	of	ADP
fsr-3442	35	49	planning	planning	NOUN
fsr-3442	35	50	-	-	PUNCT
fsr-3442	35	51	based	base	VERB
fsr-3442	35	52	technology	technology	NOUN
fsr-3442	35	53	usage	usage	NOUN
fsr-3442	35	54	,	,	PUNCT
fsr-3442	35	55	respectively	respectively	ADV
fsr-3442	35	56	.	.	PUNCT
fsr-3442	36	1	last	last	ADJ
fsr-3442	36	2	,	,	PUNCT
fsr-3442	36	3	we	we	PRON
fsr-3442	36	4	include	include	VERB
fsr-3442	36	5	a	a	DET
fsr-3442	36	6	vector	vector	NOUN
fsr-3442	36	7	of	of	ADP
fsr-3442	36	8	other	other	ADJ
fsr-3442	36	9	variables	variable	NOUN
fsr-3442	36	10	to	to	PART
fsr-3442	36	11	control	control	VERB
fsr-3442	36	12	for	for	ADP
fsr-3442	36	13	the	the	DET
fsr-3442	36	14	impact	impact	NOUN
fsr-3442	36	15	of	of	ADP
fsr-3442	36	16	other	other	ADJ
fsr-3442	36	17	factors	factor	NOUN
fsr-3442	36	18	that	that	PRON
fsr-3442	36	19	are	be	AUX
fsr-3442	36	20	likely	likely	ADJ
fsr-3442	36	21	to	to	PART
fsr-3442	36	22	affect	affect	VERB
fsr-3442	36	23	household	household	NOUN
fsr-3442	36	24	financial	financial	ADJ
fsr-3442	36	25	behaviors	behavior	NOUN
fsr-3442	36	26	.	.	PUNCT
fsr-3442	37	1	our	our	PRON
fsr-3442	37	2	univariate	univariate	ADJ
fsr-3442	37	3	analysis	analysis	NOUN
fsr-3442	37	4	suggests	suggest	VERB
fsr-3442	37	5	that	that	SCONJ
fsr-3442	37	6	81.9	81.9	NUM
fsr-3442	37	7	%	%	NOUN
fsr-3442	37	8	of	of	ADP
fsr-3442	37	9	respondents	respondent	NOUN
fsr-3442	37	10	use	use	VERB
fsr-3442	37	11	an	an	DET
fsr-3442	37	12	atm	atm	NOUN
fsr-3442	37	13	card	card	NOUN
fsr-3442	37	14	,	,	PUNCT
fsr-3442	37	15	72.4	72.4	NUM
fsr-3442	37	16	%	%	NOUN
fsr-3442	37	17	of	of	ADP
fsr-3442	37	18	respondents	respondent	NOUN
fsr-3442	37	19	use	use	VERB
fsr-3442	37	20	a	a	DET
fsr-3442	37	21	credit	credit	NOUN
fsr-3442	37	22	card	card	NOUN
fsr-3442	37	23	,	,	PUNCT
fsr-3442	37	24	21.2	21.2	NUM
fsr-3442	37	25	%	%	NOUN
fsr-3442	37	26	of	of	ADP
fsr-3442	37	27	respondents	respondent	NOUN
fsr-3442	37	28	use	use	VERB
fsr-3442	37	29	phone	phone	NOUN
fsr-3442	37	30	banking	banking	NOUN
fsr-3442	37	31	,	,	PUNCT
fsr-3442	37	32	67.5	67.5	NUM
fsr-3442	37	33	%	%	NOUN
fsr-3442	37	34	of	of	ADP
fsr-3442	37	35	respondents	respondent	NOUN
fsr-3442	37	36	use	use	VERB
fsr-3442	37	37	computer	computer	NOUN
fsr-3442	37	38	banking	banking	NOUN
fsr-3442	37	39	,	,	PUNCT
fsr-3442	37	40	57	57	NUM
fsr-3442	37	41	%	%	NOUN
fsr-3442	37	42	of	of	ADP
fsr-3442	37	43	respondents	respondent	NOUN
fsr-3442	37	44	used	use	VERB
fsr-3442	37	45	preauthorized	preauthorized	ADJ
fsr-3442	37	46	debit	debit	NOUN
fsr-3442	37	47	,	,	PUNCT
fsr-3442	37	48	86.4	86.4	NUM
fsr-3442	37	49	%	%	NOUN
fsr-3442	37	50	of	of	ADP
fsr-3442	37	51	respondents	respondent	NOUN
fsr-3442	37	52	use	use	VERB
fsr-3442	37	53	direct	direct	ADJ
fsr-3442	37	54	deposit	deposit	NOUN
fsr-3442	37	55	,	,	PUNCT
fsr-3442	37	56	and	and	CCONJ
fsr-3442	37	57	21	21	NUM
fsr-3442	37	58	%	%	NOUN
fsr-3442	37	59	of	of	ADP
fsr-3442	37	60	respondents	respondent	NOUN
fsr-3442	37	61	use	use	VERB
fsr-3442	37	62	computer	computer	NOUN
fsr-3442	37	63	software	software	NOUN
fsr-3442	37	64	to	to	PART
fsr-3442	37	65	manage	manage	VERB
fsr-3442	37	66	their	their	PRON
fsr-3442	37	67	household	household	NOUN
fsr-3442	37	68	finances	finance	NOUN
fsr-3442	37	69	.	.	PUNCT
fsr-3442	38	1	these	these	DET
fsr-3442	38	2	findings	finding	NOUN
fsr-3442	38	3	are	be	AUX
fsr-3442	38	4	consistent	consistent	ADJ
fsr-3442	38	5	with	with	ADP
fsr-3442	38	6	previous	previous	ADJ
fsr-3442	38	7	studies	study	NOUN
fsr-3442	38	8	demonstrating	demonstrate	VERB
fsr-3442	38	9	that	that	SCONJ
fsr-3442	38	10	household	household	NOUN
fsr-3442	38	11	adoption	adoption	NOUN
fsr-3442	38	12	of	of	ADP
fsr-3442	38	13	electronic	electronic	ADJ
fsr-3442	38	14	technologies	technology	NOUN
fsr-3442	38	15	has	have	AUX
fsr-3442	38	16	expanded	expand	VERB
fsr-3442	38	17	substantially	substantially	ADV
fsr-3442	38	18	(	(	PUNCT
fsr-3442	38	19	anguelov	anguelov	PROPN
fsr-3442	38	20	,	,	PUNCT
fsr-3442	38	21	hilgert	hilgert	PROPN
fsr-3442	38	22	,	,	PUNCT
fsr-3442	38	23	&	&	CCONJ
fsr-3442	38	24	hogarth	hogarth	NOUN
fsr-3442	38	25	,	,	PUNCT
fsr-3442	38	26	2004	2004	NUM
fsr-3442	38	27	;	;	PUNCT
fsr-3442	38	28	servon	servon	PROPN
fsr-3442	38	29	&	&	CCONJ
fsr-3442	38	30	kaestner	kaestner	PROPN
fsr-3442	38	31	,	,	PUNCT
fsr-3442	38	32	2008	2008	NUM
fsr-3442	38	33	)	)	PUNCT
fsr-3442	38	34	.	.	PUNCT
fsr-3442	39	1	for	for	ADP
fsr-3442	39	2	the	the	DET
fsr-3442	39	3	multivariate	multivariate	NOUN
fsr-3442	39	4	analysis	analysis	NOUN
fsr-3442	39	5	,	,	PUNCT
fsr-3442	39	6	the	the	DET
fsr-3442	39	7	results	result	NOUN
fsr-3442	39	8	are	be	AUX
fsr-3442	39	9	consistent	consistent	ADJ
fsr-3442	39	10	with	with	ADP
fsr-3442	39	11	our	our	PRON
fsr-3442	39	12	hypotheses	hypothesis	NOUN
fsr-3442	39	13	that	that	SCONJ
fsr-3442	39	14	not	not	PART
fsr-3442	39	15	all	all	PRON
fsr-3442	39	16	currently	currently	ADV
fsr-3442	39	17	used	use	VERB
fsr-3442	39	18	financial	financial	ADJ
fsr-3442	39	19	technologies	technology	NOUN
fsr-3442	39	20	contribute	contribute	VERB
fsr-3442	39	21	to	to	ADP
fsr-3442	39	22	positive	positive	ADJ
fsr-3442	39	23	financial	financial	ADJ
fsr-3442	39	24	behaviors	behavior	NOUN
fsr-3442	39	25	and	and	CCONJ
fsr-3442	39	26	personal	personal	ADJ
fsr-3442	39	27	financial	financial	ADJ
fsr-3442	39	28	wellbeing	wellbeing	NOUN
fsr-3442	39	29	.	.	PUNCT
fsr-3442	40	1	households	household	NOUN
fsr-3442	40	2	that	that	PRON
fsr-3442	40	3	use	use	VERB
fsr-3442	40	4	planning	planning	NOUN
fsr-3442	40	5	purposed	purpose	VERB
fsr-3442	40	6	financial	financial	ADJ
fsr-3442	40	7	technologies	technology	NOUN
fsr-3442	40	8	are	be	AUX
fsr-3442	40	9	significantly	significantly	ADV
fsr-3442	40	10	related	relate	VERB
fsr-3442	40	11	to	to	ADP
fsr-3442	40	12	higher	high	ADJ
fsr-3442	40	13	positive	positive	ADJ
fsr-3442	40	14	financial	financial	ADJ
fsr-3442	40	15	behaviors	behavior	NOUN
fsr-3442	40	16	while	while	SCONJ
fsr-3442	40	17	households	household	NOUN
fsr-3442	40	18	using	use	VERB
fsr-3442	40	19	transactional	transactional	NOUN
fsr-3442	40	20	purposed	purpose	VERB
fsr-3442	40	21	financial	financial	ADJ
fsr-3442	40	22	technologies	technology	NOUN
fsr-3442	40	23	are	be	AUX
fsr-3442	40	24	negatively	negatively	ADV
fsr-3442	40	25	related	relate	VERB
fsr-3442	40	26	to	to	ADP
fsr-3442	40	27	positive	positive	ADJ
fsr-3442	40	28	financial	financial	ADJ
fsr-3442	40	29	behaviors	behavior	NOUN
fsr-3442	40	30	.	.	PUNCT
fsr-3442	41	1	these	these	DET
fsr-3442	41	2	results	result	NOUN
fsr-3442	41	3	are	be	AUX
fsr-3442	41	4	robust	robust	ADJ
fsr-3442	41	5	after	after	ADP
fsr-3442	41	6	controlling	control	VERB
fsr-3442	41	7	for	for	ADP
fsr-3442	41	8	various	various	ADJ
fsr-3442	41	9	household	household	NOUN
fsr-3442	41	10	-	-	PUNCT
fsr-3442	41	11	level	level	NOUN
fsr-3442	41	12	and	and	CCONJ
fsr-3442	41	13	economic	economic	ADJ
fsr-3442	41	14	factors	factor	NOUN
fsr-3442	41	15	,	,	PUNCT
fsr-3442	41	16	as	as	ADV
fsr-3442	41	17	well	well	ADV
fsr-3442	41	18	as	as	ADP
fsr-3442	41	19	to	to	ADP
fsr-3442	41	20	different	different	ADJ
fsr-3442	41	21	measures	measure	NOUN
fsr-3442	41	22	of	of	ADP
fsr-3442	41	23	financial	financial	ADJ
fsr-3442	41	24	behaviors	behavior	NOUN
fsr-3442	41	25	.	.	PUNCT
fsr-3442	42	1	our	our	PRON
fsr-3442	42	2	findings	finding	NOUN
fsr-3442	42	3	suggest	suggest	VERB
fsr-3442	42	4	that	that	SCONJ
fsr-3442	42	5	planningbased	planningbase	VERB
fsr-3442	42	6	financial	financial	ADJ
fsr-3442	42	7	technologies	technology	NOUN
fsr-3442	42	8	appear	appear	VERB
fsr-3442	42	9	to	to	PART
fsr-3442	42	10	create	create	VERB
fsr-3442	42	11	a	a	DET
fsr-3442	42	12	more	more	ADV
fsr-3442	42	13	positive	positive	ADJ
fsr-3442	42	14	environment	environment	NOUN
fsr-3442	42	15	and	and	CCONJ
fsr-3442	42	16	enhance	enhance	VERB
fsr-3442	42	17	household	household	NOUN
fsr-3442	42	18	financial	financial	ADJ
fsr-3442	42	19	well	well	ADV
fsr-3442	42	20	-	-	PUNCT
fsr-3442	42	21	being	being	NOUN
fsr-3442	42	22	.	.	PUNCT
fsr-3442	43	1	previous	previous	ADJ
fsr-3442	43	2	research	research	NOUN
fsr-3442	43	3	has	have	AUX
fsr-3442	43	4	shown	show	VERB
fsr-3442	43	5	that	that	SCONJ
fsr-3442	43	6	the	the	DET
fsr-3442	43	7	very	very	ADJ
fsr-3442	43	8	act	act	NOUN
fsr-3442	43	9	of	of	ADP
fsr-3442	43	10	monitoring	monitor	VERB
fsr-3442	43	11	progress	progress	NOUN
fsr-3442	43	12	promotes	promote	VERB
fsr-3442	43	13	better	well	ADJ
fsr-3442	43	14	goal	goal	NOUN
fsr-3442	43	15	attainment	attainment	NOUN
fsr-3442	43	16	and	and	CCONJ
fsr-3442	43	17	behavioral	behavioral	ADJ
fsr-3442	43	18	moderation	moderation	NOUN
fsr-3442	43	19	(	(	PUNCT
fsr-3442	43	20	harkin	harkin	X
fsr-3442	43	21	et	et	PROPN
fsr-3442	43	22	al	al	PROPN
fsr-3442	43	23	.	.	PROPN
fsr-3442	43	24	,	,	PUNCT
fsr-3442	43	25	2016	2016	NUM
fsr-3442	43	26	)	)	PUNCT
fsr-3442	43	27	.	.	PUNCT
fsr-3442	44	1	the	the	DET
fsr-3442	44	2	present	present	ADJ
fsr-3442	44	3	study	study	NOUN
fsr-3442	44	4	demonstrates	demonstrate	VERB
fsr-3442	44	5	that	that	SCONJ
fsr-3442	44	6	technological	technological	ADJ
fsr-3442	44	7	innovations	innovation	NOUN
fsr-3442	44	8	like	like	ADP
fsr-3442	44	9	computer	computer	NOUN
fsr-3442	44	10	banking	banking	NOUN
fsr-3442	44	11	that	that	PRON
fsr-3442	44	12	assimilate	assimilate	VERB
fsr-3442	44	13	planningbased	planningbased	ADJ
fsr-3442	44	14	financial	financial	ADJ
fsr-3442	44	15	technology	technology	NOUN
fsr-3442	44	16	have	have	VERB
fsr-3442	44	17	the	the	DET
fsr-3442	44	18	potential	potential	NOUN
fsr-3442	44	19	to	to	PART
fsr-3442	44	20	improve	improve	VERB
fsr-3442	44	21	households	household	NOUN
fsr-3442	44	22	’	'	PUNCT
fsr-3442	44	23	financial	financial	ADJ
fsr-3442	44	24	wellbeing	wellbeing	NOUN
fsr-3442	44	25	and	and	CCONJ
fsr-3442	44	26	promote	promote	VERB
fsr-3442	44	27	savings	saving	NOUN
fsr-3442	44	28	behavior	behavior	NOUN
fsr-3442	44	29	and	and	CCONJ
fsr-3442	44	30	progress	progress	NOUN
fsr-3442	44	31	towards	towards	ADP
fsr-3442	44	32	long	long	ADJ
fsr-3442	44	33	-	-	PUNCT
fsr-3442	44	34	term	term	NOUN
fsr-3442	44	35	goals	goal	NOUN
fsr-3442	44	36	(	(	PUNCT
fsr-3442	44	37	e.g.	e.g.	ADV
fsr-3442	44	38	,	,	PUNCT
fsr-3442	44	39	saving	save	VERB
fsr-3442	44	40	for	for	ADP
fsr-3442	44	41	retirement	retirement	NOUN
fsr-3442	44	42	)	)	PUNCT
fsr-3442	44	43	.	.	PUNCT
fsr-3442	45	1	u.s	u.s	PROPN
fsr-3442	45	2	.	.	PROPN
fsr-3442	45	3	households	household	NOUN
fsr-3442	45	4	are	be	AUX
fsr-3442	45	5	facing	face	VERB
fsr-3442	45	6	an	an	DET
fsr-3442	45	7	increasingly	increasingly	ADV
fsr-3442	45	8	complex	complex	ADJ
fsr-3442	45	9	world	world	NOUN
fsr-3442	45	10	that	that	PRON
fsr-3442	45	11	places	place	VERB
fsr-3442	45	12	more	more	ADJ
fsr-3442	45	13	responsibility	responsibility	NOUN
fsr-3442	45	14	on	on	ADP
fsr-3442	45	15	their	their	PRON
fsr-3442	45	16	shoulders	shoulder	NOUN
fsr-3442	45	17	.	.	PUNCT
fsr-3442	46	1	our	our	PRON
fsr-3442	46	2	findings	finding	NOUN
fsr-3442	46	3	in	in	ADP
fsr-3442	46	4	this	this	DET
fsr-3442	46	5	study	study	NOUN
fsr-3442	46	6	suggest	suggest	VERB
fsr-3442	46	7	that	that	SCONJ
fsr-3442	46	8	policymakers	policymaker	NOUN
fsr-3442	46	9	,	,	PUNCT
fsr-3442	46	10	financial	financial	ADJ
fsr-3442	46	11	planning	planning	NOUN
fsr-3442	46	12	professionals	professional	NOUN
fsr-3442	46	13	,	,	PUNCT
fsr-3442	46	14	employers	employer	NOUN
fsr-3442	46	15	,	,	PUNCT
fsr-3442	46	16	and	and	CCONJ
fsr-3442	46	17	financial	financial	ADJ
fsr-3442	46	18	service	service	NOUN
fsr-3442	46	19	providers	provider	NOUN
fsr-3442	46	20	should	should	AUX
fsr-3442	46	21	find	find	VERB
fsr-3442	46	22	means	mean	NOUN
fsr-3442	46	23	and	and	CCONJ
fsr-3442	46	24	methods	method	NOUN
fsr-3442	46	25	to	to	PART
fsr-3442	46	26	assist	assist	VERB
fsr-3442	46	27	consumers	consumer	NOUN
fsr-3442	46	28	with	with	ADP
fsr-3442	46	29	better	well	ADJ
fsr-3442	46	30	financial	financial	ADJ
fsr-3442	46	31	tools	tool	NOUN
fsr-3442	46	32	and	and	CCONJ
fsr-3442	46	33	help	help	VERB
fsr-3442	46	34	households	household	NOUN
fsr-3442	46	35	manage	manage	VERB
fsr-3442	46	36	their	their	PRON
fsr-3442	46	37	financial	financial	ADJ
fsr-3442	46	38	resources	resource	NOUN
fsr-3442	46	39	and	and	CCONJ
fsr-3442	46	40	behaviors	behavior	NOUN
fsr-3442	46	41	so	so	SCONJ
fsr-3442	46	42	that	that	SCONJ
fsr-3442	46	43	households	household	NOUN
fsr-3442	46	44	can	can	AUX
fsr-3442	46	45	enjoy	enjoy	VERB
fsr-3442	46	46	the	the	DET
fsr-3442	46	47	peace	peace	NOUN
fsr-3442	46	48	of	of	ADP
fsr-3442	46	49	mind	mind	NOUN
fsr-3442	46	50	and	and	CCONJ
fsr-3442	46	51	security	security	NOUN
fsr-3442	46	52	from	from	ADP
fsr-3442	46	53	financial	financial	ADJ
fsr-3442	46	54	well	well	NOUN
fsr-3442	46	55	-	-	PUNCT
fsr-3442	46	56	being	being	NOUN
fsr-3442	46	57	.	.	PUNCT
fsr-3442	47	1	the	the	DET
fsr-3442	47	2	rest	rest	NOUN
fsr-3442	47	3	of	of	ADP
fsr-3442	47	4	the	the	DET
fsr-3442	47	5	article	article	NOUN
fsr-3442	47	6	is	be	AUX
fsr-3442	47	7	organized	organize	VERB
fsr-3442	47	8	as	as	SCONJ
fsr-3442	47	9	follows	follow	VERB
fsr-3442	47	10	.	.	PUNCT
fsr-3442	48	1	section	section	NOUN
fsr-3442	48	2	2	2	NUM
fsr-3442	48	3	reviews	review	NOUN
fsr-3442	48	4	related	relate	VERB
fsr-3442	48	5	literature	literature	NOUN
fsr-3442	49	1	and	and	CCONJ
fsr-3442	49	2	develops	develop	VERB
fsr-3442	49	3	our	our	PRON
fsr-3442	49	4	hypotheses	hypothesis	NOUN
fsr-3442	49	5	.	.	PUNCT
fsr-3442	50	1	we	we	PRON
fsr-3442	50	2	show	show	VERB
fsr-3442	50	3	data	datum	NOUN
fsr-3442	50	4	and	and	CCONJ
fsr-3442	50	5	variable	variable	ADJ
fsr-3442	50	6	constructions	construction	NOUN
fsr-3442	50	7	in	in	ADP
fsr-3442	50	8	section	section	NOUN
fsr-3442	50	9	3	3	NUM
fsr-3442	50	10	.	.	PUNCT
fsr-3442	50	11	section	section	NOUN
fsr-3442	50	12	4	4	NUM
fsr-3442	50	13	presents	present	VERB
fsr-3442	50	14	the	the	DET
fsr-3442	50	15	results	result	NOUN
fsr-3442	50	16	and	and	CCONJ
fsr-3442	50	17	discusses	discuss	VERB
fsr-3442	50	18	the	the	DET
fsr-3442	50	19	findings	finding	NOUN
fsr-3442	50	20	.	.	PUNCT
fsr-3442	51	1	finally	finally	ADV
fsr-3442	51	2	,	,	PUNCT
fsr-3442	51	3	section	section	NOUN
fsr-3442	51	4	5	5	NUM
fsr-3442	51	5	provides	provide	VERB
fsr-3442	51	6	the	the	DET
fsr-3442	51	7	conclusions	conclusion	NOUN
fsr-3442	51	8	.	.	PUNCT
fsr-3442	52	1	2	2	X
fsr-3442	52	2	.	.	X
fsr-3442	52	3	literature	literature	NOUN
fsr-3442	52	4	review	review	PROPN
fsr-3442	52	5	and	and	CCONJ
fsr-3442	52	6	hypothesis	hypothesis	NOUN
fsr-3442	52	7	development	development	NOUN
fsr-3442	52	8	2.1	2.1	NUM
fsr-3442	52	9	.	.	PUNCT
fsr-3442	53	1	positive	positive	ADJ
fsr-3442	53	2	financial	financial	ADJ
fsr-3442	53	3	behavior	behavior	NOUN
fsr-3442	53	4	garman	garman	NOUN
fsr-3442	53	5	,	,	PUNCT
fsr-3442	53	6	leech	leech	NOUN
fsr-3442	53	7	,	,	PUNCT
fsr-3442	53	8	and	and	CCONJ
fsr-3442	53	9	grable	grable	ADJ
fsr-3442	53	10	(	(	PUNCT
fsr-3442	53	11	1996	1996	NUM
fsr-3442	53	12	)	)	PUNCT
fsr-3442	53	13	define	define	VERB
fsr-3442	53	14	poor	poor	ADJ
fsr-3442	53	15	financial	financial	ADJ
fsr-3442	53	16	behaviors	behavior	NOUN
fsr-3442	53	17	as	as	ADP
fsr-3442	53	18	personal	personal	ADJ
fsr-3442	53	19	and	and	CCONJ
fsr-3442	53	20	family	family	NOUN
fsr-3442	53	21	money	money	NOUN
fsr-3442	53	22	management	management	NOUN
fsr-3442	53	23	practices	practice	NOUN
fsr-3442	53	24	that	that	PRON
fsr-3442	53	25	have	have	VERB
fsr-3442	53	26	consequential	consequential	ADJ
fsr-3442	53	27	,	,	PUNCT
fsr-3442	53	28	detrimental	detrimental	ADJ
fsr-3442	53	29	,	,	PUNCT
fsr-3442	53	30	and	and	CCONJ
fsr-3442	53	31	negative	negative	ADJ
fsr-3442	53	32	impacts	impact	NOUN
fsr-3442	53	33	on	on	ADP
fsr-3442	53	34	one	one	NUM
fsr-3442	53	35	’s	’s	PART
fsr-3442	53	36	life	life	NOUN
fsr-3442	53	37	at	at	ADP
fsr-3442	53	38	home	home	NOUN
fsr-3442	53	39	and/or	and/or	CCONJ
fsr-3442	53	40	work	work	NOUN
fsr-3442	53	41	.	.	PUNCT
fsr-3442	54	1	prior	prior	ADJ
fsr-3442	54	2	research	research	NOUN
fsr-3442	54	3	finds	find	VERB
fsr-3442	54	4	that	that	SCONJ
fsr-3442	54	5	positive	positive	ADJ
fsr-3442	54	6	financial	financial	ADJ
fsr-3442	54	7	behaviors	behavior	NOUN
fsr-3442	54	8	are	be	AUX
fsr-3442	54	9	associated	associate	VERB
fsr-3442	54	10	with	with	ADP
fsr-3442	54	11	positive	positive	ADJ
fsr-3442	54	12	life	life	NOUN
fsr-3442	54	13	outcomes	outcome	NOUN
fsr-3442	54	14	(	(	PUNCT
fsr-3442	54	15	shim	shim	NOUN
fsr-3442	54	16	et	et	PROPN
fsr-3442	54	17	al	al	PROPN
fsr-3442	54	18	.	.	PROPN
fsr-3442	54	19	,	,	PUNCT
fsr-3442	54	20	2009	2009	NUM
fsr-3442	54	21	)	)	PUNCT
fsr-3442	54	22	and	and	CCONJ
fsr-3442	54	23	negative	negative	ADJ
fsr-3442	54	24	financial	financial	ADJ
fsr-3442	54	25	behaviors	behavior	NOUN
fsr-3442	54	26	tend	tend	VERB
fsr-3442	54	27	to	to	PART
fsr-3442	54	28	cede	cede	VERB
fsr-3442	54	29	to	to	ADP
fsr-3442	54	30	more	more	ADV
fsr-3442	54	31	negative	negative	ADJ
fsr-3442	54	32	financial	financial	ADJ
fsr-3442	54	33	behaviors	behavior	NOUN
fsr-3442	54	34	(	(	PUNCT
fsr-3442	54	35	dean	dean	PROPN
fsr-3442	54	36	et	et	PROPN
fsr-3442	54	37	al	al	PROPN
fsr-3442	54	38	.	.	PROPN
fsr-3442	54	39	,	,	PUNCT
fsr-3442	54	40	2013	2013	NUM
fsr-3442	54	41	)	)	PUNCT
fsr-3442	54	42	.	.	PUNCT
fsr-3442	55	1	given	give	VERB
fsr-3442	55	2	the	the	DET
fsr-3442	55	3	common	common	ADJ
fsr-3442	55	4	q.	q.	NOUN
fsr-3442	55	5	bi	bi	PROPN
fsr-3442	55	6	et	et	PROPN
fsr-3442	55	7	al	al	PROPN
fsr-3442	55	8	.	.	PUNCT
fsr-3442	55	9	/	/	SYM
fsr-3442	55	10	financial	financial	ADJ
fsr-3442	55	11	services	service	NOUN
fsr-3442	55	12	review	review	VERB
fsr-3442	55	13	29	29	NUM
fsr-3442	55	14	(	(	PUNCT
fsr-3442	55	15	2021	2021	NUM
fsr-3442	55	16	)	)	PUNCT
fsr-3442	55	17	29–54	29–54	NUM
fsr-3442	55	18	31	31	NUM
fsr-3442	55	19	financial	financial	ADJ
fsr-3442	55	20	activities	activity	NOUN
fsr-3442	55	21	that	that	PRON
fsr-3442	55	22	households	household	NOUN
fsr-3442	55	23	need	need	VERB
fsr-3442	55	24	to	to	PART
fsr-3442	55	25	deal	deal	VERB
fsr-3442	55	26	with	with	ADP
fsr-3442	55	27	,	,	PUNCT
fsr-3442	55	28	we	we	PRON
fsr-3442	55	29	consider	consider	VERB
fsr-3442	55	30	positive	positive	ADJ
fsr-3442	55	31	financial	financial	ADJ
fsr-3442	55	32	behaviors	behavior	NOUN
fsr-3442	55	33	in	in	ADP
fsr-3442	55	34	three	three	NUM
fsr-3442	55	35	categories	category	NOUN
fsr-3442	55	36	:	:	PUNCT
fsr-3442	55	37	debt	debt	NOUN
fsr-3442	55	38	management	management	NOUN
fsr-3442	55	39	,	,	PUNCT
fsr-3442	55	40	planning	planning	NOUN
fsr-3442	55	41	activities	activity	NOUN
fsr-3442	55	42	,	,	PUNCT
fsr-3442	55	43	and	and	CCONJ
fsr-3442	55	44	risk	risk	NOUN
fsr-3442	55	45	management	management	NOUN
fsr-3442	55	46	.	.	PUNCT
fsr-3442	56	1	2.1.1	2.1.1	X
fsr-3442	56	2	.	.	PUNCT
fsr-3442	56	3	debt	debt	NOUN
fsr-3442	56	4	management	management	NOUN
fsr-3442	56	5	consumer	consumer	NOUN
fsr-3442	56	6	credit	credit	NOUN
fsr-3442	56	7	use	use	NOUN
fsr-3442	56	8	plays	play	VERB
fsr-3442	56	9	an	an	DET
fsr-3442	56	10	important	important	ADJ
fsr-3442	56	11	role	role	NOUN
fsr-3442	56	12	in	in	ADP
fsr-3442	56	13	how	how	SCONJ
fsr-3442	56	14	modern	modern	ADJ
fsr-3442	56	15	households	household	NOUN
fsr-3442	56	16	handle	handle	VERB
fsr-3442	56	17	their	their	PRON
fsr-3442	56	18	debt	debt	NOUN
fsr-3442	56	19	.	.	PUNCT
fsr-3442	57	1	among	among	ADP
fsr-3442	57	2	all	all	DET
fsr-3442	57	3	household	household	NOUN
fsr-3442	57	4	debt	debt	NOUN
fsr-3442	57	5	management	management	NOUN
fsr-3442	57	6	activities	activity	NOUN
fsr-3442	57	7	,	,	PUNCT
fsr-3442	57	8	the	the	DET
fsr-3442	57	9	most	most	ADV
fsr-3442	57	10	obvious	obvious	ADJ
fsr-3442	57	11	positive	positive	ADJ
fsr-3442	57	12	financial	financial	ADJ
fsr-3442	57	13	behavior	behavior	NOUN
fsr-3442	57	14	is	be	AUX
fsr-3442	57	15	to	to	PART
fsr-3442	57	16	pay	pay	VERB
fsr-3442	57	17	bills	bill	NOUN
fsr-3442	57	18	on	on	ADP
fsr-3442	57	19	time	time	NOUN
fsr-3442	57	20	.	.	PUNCT
fsr-3442	58	1	however	however	ADV
fsr-3442	58	2	,	,	PUNCT
fsr-3442	58	3	almost	almost	ADV
fsr-3442	58	4	seven	seven	NUM
fsr-3442	58	5	percentage	percentage	NOUN
fsr-3442	58	6	of	of	ADP
fsr-3442	58	7	u.s	u.s	PROPN
fsr-3442	58	8	.	.	PROPN
fsr-3442	58	9	households	household	NOUN
fsr-3442	58	10	reported	report	VERB
fsr-3442	58	11	having	have	VERB
fsr-3442	58	12	at	at	ADV
fsr-3442	58	13	least	least	ADV
fsr-3442	58	14	one	one	NUM
fsr-3442	58	15	payment	payment	NOUN
fsr-3442	58	16	in	in	ADP
fsr-3442	58	17	the	the	DET
fsr-3442	58	18	past	past	ADJ
fsr-3442	58	19	year	year	NOUN
fsr-3442	58	20	that	that	PRON
fsr-3442	58	21	was	be	AUX
fsr-3442	58	22	at	at	ADV
fsr-3442	58	23	least	least	ADV
fsr-3442	58	24	60	60	NUM
fsr-3442	58	25	days	day	NOUN
fsr-3442	58	26	late	late	ADV
fsr-3442	58	27	(	(	PUNCT
fsr-3442	58	28	hogarth	hogarth	NOUN
fsr-3442	58	29	&	&	CCONJ
fsr-3442	58	30	anguelov	anguelov	PROPN
fsr-3442	58	31	,	,	PUNCT
fsr-3442	58	32	2004	2004	NUM
fsr-3442	58	33	)	)	PUNCT
fsr-3442	58	34	.	.	PUNCT
fsr-3442	59	1	other	other	ADJ
fsr-3442	59	2	than	than	ADP
fsr-3442	59	3	loans	loan	NOUN
fsr-3442	59	4	and	and	CCONJ
fsr-3442	59	5	mortgages	mortgage	NOUN
fsr-3442	59	6	,	,	PUNCT
fsr-3442	59	7	credit	credit	NOUN
fsr-3442	59	8	card	card	NOUN
fsr-3442	59	9	use	use	NOUN
fsr-3442	59	10	is	be	AUX
fsr-3442	59	11	another	another	DET
fsr-3442	59	12	financial	financial	ADJ
fsr-3442	59	13	activity	activity	NOUN
fsr-3442	59	14	that	that	PRON
fsr-3442	59	15	will	will	AUX
fsr-3442	59	16	cause	cause	VERB
fsr-3442	59	17	consumers	consumer	NOUN
fsr-3442	59	18	into	into	ADP
fsr-3442	59	19	debt	debt	NOUN
fsr-3442	59	20	.	.	PUNCT
fsr-3442	60	1	in	in	ADP
fsr-3442	60	2	2008	2008	NUM
fsr-3442	60	3	,	,	PUNCT
fsr-3442	60	4	the	the	DET
fsr-3442	60	5	total	total	ADJ
fsr-3442	60	6	outstanding	outstanding	ADJ
fsr-3442	60	7	credit	credit	NOUN
fsr-3442	60	8	debt	debt	NOUN
fsr-3442	60	9	carried	carry	VERB
fsr-3442	60	10	by	by	ADP
fsr-3442	60	11	americans	americans	PROPN
fsr-3442	60	12	is	be	AUX
fsr-3442	60	13	about	about	ADV
fsr-3442	60	14	$	$	SYM
fsr-3442	60	15	976	976	NUM
fsr-3442	60	16	billion	billion	NUM
fsr-3442	60	17	(	(	PUNCT
fsr-3442	60	18	federal	federal	PROPN
fsr-3442	60	19	reserve	reserve	PROPN
fsr-3442	60	20	,	,	PUNCT
fsr-3442	60	21	2009	2009	NUM
fsr-3442	60	22	)	)	PUNCT
fsr-3442	60	23	.	.	PUNCT
fsr-3442	61	1	according	accord	VERB
fsr-3442	61	2	to	to	ADP
fsr-3442	61	3	the	the	DET
fsr-3442	61	4	federal	federal	PROPN
fsr-3442	61	5	reserve	reserve	PROPN
fsr-3442	61	6	(	(	PUNCT
fsr-3442	61	7	2013	2013	NUM
fsr-3442	61	8	)	)	PUNCT
fsr-3442	61	9	,	,	PUNCT
fsr-3442	61	10	credit	credit	NOUN
fsr-3442	61	11	card	card	NOUN
fsr-3442	61	12	transactions	transaction	NOUN
fsr-3442	61	13	increased	increase	VERB
fsr-3442	61	14	at	at	ADP
fsr-3442	61	15	a	a	DET
fsr-3442	61	16	7.6	7.6	NUM
fsr-3442	61	17	%	%	NOUN
fsr-3442	61	18	annual	annual	ADJ
fsr-3442	61	19	rate	rate	NOUN
fsr-3442	61	20	,	,	PUNCT
fsr-3442	61	21	rising	rise	VERB
fsr-3442	61	22	from	from	ADP
fsr-3442	61	23	$	$	SYM
fsr-3442	61	24	21	21	NUM
fsr-3442	61	25	billion	billion	NUM
fsr-3442	61	26	in	in	ADP
fsr-3442	61	27	2009	2009	NUM
fsr-3442	61	28	to	to	ADP
fsr-3442	61	29	$	$	SYM
fsr-3442	61	30	26.2	26.2	NUM
fsr-3442	61	31	billion	billion	NUM
fsr-3442	61	32	in	in	ADP
fsr-3442	61	33	2012	2012	NUM
fsr-3442	61	34	.	.	PUNCT
fsr-3442	62	1	the	the	DET
fsr-3442	62	2	average	average	ADJ
fsr-3442	62	3	number	number	NOUN
fsr-3442	62	4	of	of	ADP
fsr-3442	62	5	credit	credit	NOUN
fsr-3442	62	6	cards	card	NOUN
fsr-3442	62	7	that	that	PRON
fsr-3442	62	8	u.s	u.s	PROPN
fsr-3442	62	9	.	.	PROPN
fsr-3442	62	10	credit	credit	NOUN
fsr-3442	62	11	users	user	NOUN
fsr-3442	62	12	hold	hold	VERB
fsr-3442	62	13	is	be	AUX
fsr-3442	62	14	more	more	ADJ
fsr-3442	62	15	than	than	ADP
fsr-3442	62	16	five	five	NUM
fsr-3442	62	17	and	and	CCONJ
fsr-3442	62	18	the	the	DET
fsr-3442	62	19	average	average	ADJ
fsr-3442	62	20	balance	balance	NOUN
fsr-3442	62	21	for	for	ADP
fsr-3442	62	22	each	each	DET
fsr-3442	62	23	card	card	NOUN
fsr-3442	62	24	is	be	AUX
fsr-3442	62	25	at	at	ADV
fsr-3442	62	26	least	least	ADJ
fsr-3442	62	27	$	$	SYM
fsr-3442	62	28	1,000	1,000	NUM
fsr-3442	62	29	(	(	PUNCT
fsr-3442	62	30	experian	experian	ADJ
fsr-3442	62	31	,	,	PUNCT
fsr-3442	62	32	2009	2009	NUM
fsr-3442	62	33	)	)	PUNCT
fsr-3442	62	34	.	.	PUNCT
fsr-3442	63	1	recently	recently	ADV
fsr-3442	63	2	,	,	PUNCT
fsr-3442	63	3	a	a	DET
fsr-3442	63	4	report	report	NOUN
fsr-3442	63	5	by	by	ADP
fsr-3442	63	6	transunion	transunion	NOUN
fsr-3442	63	7	(	(	PUNCT
fsr-3442	63	8	2019	2019	NUM
fsr-3442	63	9	)	)	PUNCT
fsr-3442	63	10	shows	show	VERB
fsr-3442	63	11	that	that	SCONJ
fsr-3442	63	12	bank	bank	NOUN
fsr-3442	63	13	-	-	PUNCT
fsr-3442	63	14	issued	issue	VERB
fsr-3442	63	15	(	(	PUNCT
fsr-3442	63	16	private	private	ADJ
fsr-3442	63	17	)	)	PUNCT
fsr-3442	63	18	credit	credit	NOUN
fsr-3442	63	19	card	card	NOUN
fsr-3442	63	20	balances	balance	NOUN
fsr-3442	63	21	increased	increase	VERB
fsr-3442	63	22	to	to	ADP
fsr-3442	63	23	$	$	SYM
fsr-3442	63	24	5,668	5,668	NUM
fsr-3442	63	25	(	(	PUNCT
fsr-3442	63	26	$	$	SYM
fsr-3442	63	27	2,022	2,022	NUM
fsr-3442	63	28	)	)	PUNCT
fsr-3442	63	29	on	on	ADP
fsr-3442	63	30	a	a	DET
fsr-3442	63	31	personal	personal	ADJ
fsr-3442	63	32	level	level	NOUN
fsr-3442	63	33	as	as	ADP
fsr-3442	63	34	of	of	ADP
fsr-3442	63	35	q3	q3	PROPN
fsr-3442	63	36	2019.1	2019.1	NUM
fsr-3442	63	37	rutherford	rutherford	PROPN
fsr-3442	63	38	and	and	CCONJ
fsr-3442	63	39	devaney	devaney	PROPN
fsr-3442	63	40	(	(	PUNCT
fsr-3442	63	41	2009	2009	NUM
fsr-3442	63	42	)	)	PUNCT
fsr-3442	63	43	define	define	VERB
fsr-3442	63	44	two	two	NUM
fsr-3442	63	45	types	type	NOUN
fsr-3442	63	46	of	of	ADP
fsr-3442	63	47	credit	credit	NOUN
fsr-3442	63	48	card	card	NOUN
fsr-3442	63	49	users	user	NOUN
fsr-3442	63	50	:	:	PUNCT
fsr-3442	63	51	convenience	convenience	NOUN
fsr-3442	63	52	users	user	NOUN
fsr-3442	63	53	and	and	CCONJ
fsr-3442	63	54	revolvers	revolver	NOUN
fsr-3442	63	55	.	.	PUNCT
fsr-3442	64	1	convenience	convenience	NOUN
fsr-3442	64	2	users	user	NOUN
fsr-3442	64	3	are	be	AUX
fsr-3442	64	4	those	those	PRON
fsr-3442	64	5	who	who	PRON
fsr-3442	64	6	pay	pay	VERB
fsr-3442	64	7	the	the	DET
fsr-3442	64	8	balance	balance	NOUN
fsr-3442	64	9	in	in	ADP
fsr-3442	64	10	full	full	ADJ
fsr-3442	64	11	on	on	ADP
fsr-3442	64	12	a	a	DET
fsr-3442	64	13	regular	regular	ADJ
fsr-3442	64	14	basis	basis	NOUN
fsr-3442	64	15	while	while	SCONJ
fsr-3442	64	16	revolvers	revolver	NOUN
fsr-3442	64	17	are	be	AUX
fsr-3442	64	18	those	those	PRON
fsr-3442	64	19	who	who	PRON
fsr-3442	64	20	pay	pay	VERB
fsr-3442	64	21	only	only	ADV
fsr-3442	64	22	a	a	DET
fsr-3442	64	23	portion	portion	NOUN
fsr-3442	64	24	of	of	ADP
fsr-3442	64	25	the	the	DET
fsr-3442	64	26	balance	balance	NOUN
fsr-3442	64	27	and	and	CCONJ
fsr-3442	64	28	let	let	VERB
fsr-3442	64	29	the	the	DET
fsr-3442	64	30	remaining	remain	VERB
fsr-3442	64	31	balance	balance	NOUN
fsr-3442	64	32	accrue	accrue	ADJ
fsr-3442	64	33	interest	interest	NOUN
fsr-3442	64	34	.	.	PUNCT
fsr-3442	65	1	other	other	ADJ
fsr-3442	65	2	research	research	NOUN
fsr-3442	65	3	suggests	suggest	VERB
fsr-3442	65	4	that	that	SCONJ
fsr-3442	65	5	high	high	ADJ
fsr-3442	65	6	credit	credit	NOUN
fsr-3442	65	7	card	card	NOUN
fsr-3442	65	8	balances	balance	NOUN
fsr-3442	65	9	are	be	AUX
fsr-3442	65	10	a	a	DET
fsr-3442	65	11	result	result	NOUN
fsr-3442	65	12	of	of	ADP
fsr-3442	65	13	behavior	behavior	NOUN
fsr-3442	65	14	problems	problem	NOUN
fsr-3442	65	15	instead	instead	ADV
fsr-3442	65	16	of	of	ADP
fsr-3442	65	17	liquidity	liquidity	NOUN
fsr-3442	65	18	problems	problem	NOUN
fsr-3442	65	19	(	(	PUNCT
fsr-3442	65	20	gross	gross	PROPN
fsr-3442	65	21	&	&	CCONJ
fsr-3442	65	22	souleles	soulele	NOUN
fsr-3442	65	23	,	,	PUNCT
fsr-3442	65	24	2001	2001	NUM
fsr-3442	65	25	)	)	PUNCT
fsr-3442	65	26	.	.	PUNCT
fsr-3442	66	1	thus	thus	ADV
fsr-3442	66	2	,	,	PUNCT
fsr-3442	66	3	carrying	carry	VERB
fsr-3442	66	4	a	a	DET
fsr-3442	66	5	balance	balance	NOUN
fsr-3442	66	6	in	in	ADP
fsr-3442	66	7	credit	credit	NOUN
fsr-3442	66	8	cards	card	NOUN
fsr-3442	66	9	while	while	SCONJ
fsr-3442	66	10	having	have	VERB
fsr-3442	66	11	money	money	NOUN
fsr-3442	66	12	in	in	ADP
fsr-3442	66	13	the	the	DET
fsr-3442	66	14	checking	checking	NOUN
fsr-3442	66	15	account	account	NOUN
fsr-3442	66	16	is	be	AUX
fsr-3442	66	17	not	not	PART
fsr-3442	66	18	considered	consider	VERB
fsr-3442	66	19	a	a	DET
fsr-3442	66	20	positive	positive	ADJ
fsr-3442	66	21	financial	financial	ADJ
fsr-3442	66	22	behavior	behavior	NOUN
fsr-3442	66	23	because	because	SCONJ
fsr-3442	66	24	one	one	PRON
fsr-3442	66	25	has	have	VERB
fsr-3442	66	26	to	to	PART
fsr-3442	66	27	pay	pay	VERB
fsr-3442	66	28	high	high	ADJ
fsr-3442	66	29	interest	interest	NOUN
fsr-3442	66	30	on	on	ADP
fsr-3442	66	31	the	the	DET
fsr-3442	66	32	credit	credit	NOUN
fsr-3442	66	33	card	card	NOUN
fsr-3442	66	34	balance	balance	NOUN
fsr-3442	66	35	and	and	CCONJ
fsr-3442	66	36	the	the	DET
fsr-3442	66	37	checking	checking	NOUN
fsr-3442	66	38	account	account	NOUN
fsr-3442	66	39	provides	provide	VERB
fsr-3442	66	40	no	no	DET
fsr-3442	66	41	or	or	CCONJ
fsr-3442	66	42	little	little	ADJ
fsr-3442	66	43	interest	interest	NOUN
fsr-3442	66	44	.	.	PUNCT
fsr-3442	67	1	moreover	moreover	ADV
fsr-3442	67	2	,	,	PUNCT
fsr-3442	67	3	making	make	VERB
fsr-3442	67	4	late	late	ADJ
fsr-3442	67	5	payments	payment	NOUN
fsr-3442	67	6	on	on	ADP
fsr-3442	67	7	credit	credit	NOUN
fsr-3442	67	8	cards	card	NOUN
fsr-3442	67	9	will	will	AUX
fsr-3442	67	10	lead	lead	VERB
fsr-3442	67	11	to	to	ADP
fsr-3442	67	12	late	late	ADJ
fsr-3442	67	13	fees	fee	NOUN
fsr-3442	67	14	and	and	CCONJ
fsr-3442	67	15	a	a	DET
fsr-3442	67	16	negative	negative	ADJ
fsr-3442	67	17	remark	remark	NOUN
fsr-3442	67	18	on	on	ADP
fsr-3442	67	19	the	the	DET
fsr-3442	67	20	credit	credit	NOUN
fsr-3442	67	21	report	report	NOUN
fsr-3442	67	22	.	.	PUNCT
fsr-3442	68	1	it	it	PRON
fsr-3442	68	2	is	be	AUX
fsr-3442	68	3	worth	worth	ADJ
fsr-3442	68	4	mentioning	mention	VERB
fsr-3442	68	5	that	that	SCONJ
fsr-3442	68	6	consumers	consumer	NOUN
fsr-3442	68	7	with	with	ADP
fsr-3442	68	8	a	a	DET
fsr-3442	68	9	history	history	NOUN
fsr-3442	68	10	of	of	ADP
fsr-3442	68	11	late	late	ADJ
fsr-3442	68	12	payments	payment	NOUN
fsr-3442	68	13	are	be	AUX
fsr-3442	68	14	less	less	ADV
fsr-3442	68	15	likely	likely	ADJ
fsr-3442	68	16	to	to	PART
fsr-3442	68	17	be	be	AUX
fsr-3442	68	18	convenience	convenience	NOUN
fsr-3442	68	19	users	user	NOUN
fsr-3442	68	20	(	(	PUNCT
fsr-3442	68	21	rutherford	rutherford	PROPN
fsr-3442	68	22	&	&	CCONJ
fsr-3442	68	23	devaney	devaney	PROPN
fsr-3442	68	24	,	,	PUNCT
fsr-3442	68	25	2009	2009	NUM
fsr-3442	68	26	)	)	PUNCT
fsr-3442	68	27	,	,	PUNCT
fsr-3442	68	28	as	as	SCONJ
fsr-3442	68	29	they	they	PRON
fsr-3442	68	30	tend	tend	VERB
fsr-3442	68	31	to	to	PART
fsr-3442	68	32	pay	pay	VERB
fsr-3442	68	33	off	off	ADP
fsr-3442	68	34	small	small	ADJ
fsr-3442	68	35	debts	debt	NOUN
fsr-3442	68	36	first	first	ADV
fsr-3442	68	37	even	even	ADV
fsr-3442	68	38	when	when	SCONJ
fsr-3442	68	39	the	the	DET
fsr-3442	68	40	larger	large	ADJ
fsr-3442	68	41	debt	debt	NOUN
fsr-3442	68	42	have	have	VERB
fsr-3442	68	43	higher	high	ADJ
fsr-3442	68	44	interest	interest	NOUN
fsr-3442	68	45	rates	rate	NOUN
fsr-3442	68	46	(	(	PUNCT
fsr-3442	68	47	amar	amar	PROPN
fsr-3442	68	48	et	et	PROPN
fsr-3442	68	49	al	al	PROPN
fsr-3442	68	50	.	.	PROPN
fsr-3442	68	51	,	,	PUNCT
fsr-3442	68	52	2011	2011	NUM
fsr-3442	68	53	)	)	PUNCT
fsr-3442	68	54	.	.	PUNCT
fsr-3442	69	1	the	the	DET
fsr-3442	69	2	high	high	ADJ
fsr-3442	69	3	debt	debt	NOUN
fsr-3442	69	4	-	-	PUNCT
fsr-3442	69	5	payment	payment	NOUN
fsr-3442	69	6	-	-	PUNCT
fsr-3442	69	7	to	to	ADP
fsr-3442	69	8	-	-	PUNCT
fsr-3442	69	9	income	income	NOUN
fsr-3442	69	10	ratio	ratio	NOUN
fsr-3442	69	11	is	be	AUX
fsr-3442	69	12	another	another	DET
fsr-3442	69	13	detriment	detriment	NOUN
fsr-3442	69	14	to	to	ADP
fsr-3442	69	15	households	household	NOUN
fsr-3442	69	16	’	'	PUNCT
fsr-3442	69	17	lives	life	NOUN
fsr-3442	69	18	.	.	PUNCT
fsr-3442	70	1	according	accord	VERB
fsr-3442	70	2	to	to	ADP
fsr-3442	70	3	the	the	DET
fsr-3442	70	4	scf	scf	PROPN
fsr-3442	70	5	,	,	PUNCT
fsr-3442	70	6	11	11	NUM
fsr-3442	70	7	%	%	NOUN
fsr-3442	70	8	of	of	ADP
fsr-3442	70	9	all	all	DET
fsr-3442	70	10	families	family	NOUN
fsr-3442	70	11	in	in	ADP
fsr-3442	70	12	the	the	DET
fsr-3442	70	13	united	united	PROPN
fsr-3442	70	14	states	states	PROPN
fsr-3442	70	15	had	have	VERB
fsr-3442	70	16	debt	debt	NOUN
fsr-3442	70	17	-	-	PUNCT
fsr-3442	70	18	payment	payment	NOUN
fsr-3442	70	19	-	-	PUNCT
fsr-3442	70	20	toincome	toincome	NOUN
fsr-3442	70	21	ratios	ratio	NOUN
fsr-3442	70	22	greater	great	ADJ
fsr-3442	70	23	than	than	ADP
fsr-3442	70	24	40	40	NUM
fsr-3442	70	25	%	%	NOUN
fsr-3442	70	26	in	in	ADP
fsr-3442	70	27	2001	2001	NUM
fsr-3442	70	28	.	.	PUNCT
fsr-3442	71	1	this	this	DET
fsr-3442	71	2	number	number	NOUN
fsr-3442	71	3	increased	increase	VERB
fsr-3442	71	4	to	to	ADP
fsr-3442	71	5	15	15	NUM
fsr-3442	71	6	%	%	NOUN
fsr-3442	71	7	in	in	ADP
fsr-3442	71	8	2007	2007	NUM
fsr-3442	71	9	and	and	CCONJ
fsr-3442	71	10	18.5	18.5	NUM
fsr-3442	71	11	%	%	NOUN
fsr-3442	71	12	in	in	ADP
fsr-3442	71	13	2010	2010	NUM
fsr-3442	71	14	.	.	PUNCT
fsr-3442	72	1	bricker	bricker	NOUN
fsr-3442	72	2	et	et	PROPN
fsr-3442	72	3	al	al	PROPN
fsr-3442	72	4	.	.	PROPN
fsr-3442	73	1	(	(	PUNCT
fsr-3442	73	2	2017	2017	NUM
fsr-3442	73	3	)	)	PUNCT
fsr-3442	73	4	examined	examine	VERB
fsr-3442	73	5	changes	change	NOUN
fsr-3442	73	6	in	in	ADP
fsr-3442	73	7	financial	financial	ADJ
fsr-3442	73	8	management	management	NOUN
fsr-3442	73	9	of	of	ADP
fsr-3442	73	10	u.s	u.s	PROPN
fsr-3442	73	11	.	.	PROPN
fsr-3442	73	12	families	family	NOUN
fsr-3442	73	13	and	and	CCONJ
fsr-3442	73	14	reported	report	VERB
fsr-3442	73	15	that	that	SCONJ
fsr-3442	73	16	over	over	ADP
fsr-3442	73	17	20	20	NUM
fsr-3442	73	18	%	%	NOUN
fsr-3442	73	19	of	of	ADP
fsr-3442	73	20	families	family	NOUN
fsr-3442	73	21	felt	feel	VERB
fsr-3442	73	22	constrained	constrain	VERB
fsr-3442	73	23	in	in	ADP
fsr-3442	73	24	credit	credit	NOUN
fsr-3442	73	25	though	though	SCONJ
fsr-3442	73	26	their	their	PRON
fsr-3442	73	27	access	access	NOUN
fsr-3442	73	28	to	to	ADP
fsr-3442	73	29	consumer	consumer	NOUN
fsr-3442	73	30	credit	credit	NOUN
fsr-3442	73	31	has	have	AUX
fsr-3442	73	32	been	be	AUX
fsr-3442	73	33	increased	increase	VERB
fsr-3442	73	34	.	.	PUNCT
fsr-3442	74	1	aizcorbe	aizcorbe	NOUN
fsr-3442	74	2	et	et	PROPN
fsr-3442	74	3	al	al	PROPN
fsr-3442	74	4	.	.	PROPN
fsr-3442	75	1	(	(	PUNCT
fsr-3442	75	2	2003	2003	NUM
fsr-3442	75	3	)	)	PUNCT
fsr-3442	75	4	point	point	VERB
fsr-3442	75	5	out	out	ADP
fsr-3442	75	6	that	that	SCONJ
fsr-3442	75	7	most	most	ADJ
fsr-3442	75	8	of	of	ADP
fsr-3442	75	9	the	the	DET
fsr-3442	75	10	debtors	debtor	NOUN
fsr-3442	75	11	who	who	PRON
fsr-3442	75	12	had	have	VERB
fsr-3442	75	13	greater	great	ADJ
fsr-3442	75	14	than	than	ADP
fsr-3442	75	15	40	40	NUM
fsr-3442	75	16	%	%	NOUN
fsr-3442	75	17	debt	debt	NOUN
fsr-3442	75	18	-	-	PUNCT
fsr-3442	75	19	payment	payment	NOUN
fsr-3442	75	20	-	-	PUNCT
fsr-3442	75	21	to	to	ADP
fsr-3442	75	22	-	-	PUNCT
fsr-3442	75	23	income	income	NOUN
fsr-3442	75	24	ratios	ratio	NOUN
fsr-3442	75	25	were	be	AUX
fsr-3442	75	26	from	from	ADP
fsr-3442	75	27	lower	low	ADJ
fsr-3442	75	28	-	-	PUNCT
fsr-3442	75	29	income	income	NOUN
fsr-3442	75	30	families	family	NOUN
fsr-3442	75	31	.	.	PUNCT
fsr-3442	76	1	severe	severe	ADJ
fsr-3442	76	2	consequences	consequence	NOUN
fsr-3442	76	3	such	such	ADJ
fsr-3442	76	4	as	as	ADP
fsr-3442	76	5	bankruptcy	bankruptcy	NOUN
fsr-3442	76	6	might	might	AUX
fsr-3442	76	7	happen	happen	VERB
fsr-3442	76	8	to	to	ADP
fsr-3442	76	9	these	these	DET
fsr-3442	76	10	families	family	NOUN
fsr-3442	76	11	in	in	ADP
fsr-3442	76	12	the	the	DET
fsr-3442	76	13	long	long	ADV
fsr-3442	76	14	-	-	PUNCT
fsr-3442	76	15	run	run	NOUN
fsr-3442	76	16	if	if	SCONJ
fsr-3442	76	17	they	they	PRON
fsr-3442	76	18	are	be	AUX
fsr-3442	76	19	unable	unable	ADJ
fsr-3442	76	20	to	to	PART
fsr-3442	76	21	make	make	VERB
fsr-3442	76	22	adjustments	adjustment	NOUN
fsr-3442	76	23	on	on	ADP
fsr-3442	76	24	their	their	PRON
fsr-3442	76	25	debt	debt	NOUN
fsr-3442	76	26	management	management	NOUN
fsr-3442	76	27	.	.	PUNCT
fsr-3442	77	1	late	late	ADJ
fsr-3442	77	2	payments	payment	NOUN
fsr-3442	77	3	along	along	ADP
fsr-3442	77	4	with	with	ADP
fsr-3442	77	5	high	high	ADJ
fsr-3442	77	6	debt	debt	NOUN
fsr-3442	77	7	-	-	PUNCT
fsr-3442	77	8	payment	payment	NOUN
fsr-3442	77	9	-	-	PUNCT
fsr-3442	77	10	to	to	ADP
fsr-3442	77	11	-	-	PUNCT
fsr-3442	77	12	income	income	NOUN
fsr-3442	77	13	ratios	ratio	NOUN
fsr-3442	77	14	will	will	AUX
fsr-3442	77	15	negatively	negatively	ADV
fsr-3442	77	16	affect	affect	VERB
fsr-3442	77	17	credit	credit	NOUN
fsr-3442	77	18	scores	score	NOUN
fsr-3442	77	19	and	and	CCONJ
fsr-3442	77	20	limit	limit	VERB
fsr-3442	77	21	future	future	ADJ
fsr-3442	77	22	possibilities	possibility	NOUN
fsr-3442	77	23	(	(	PUNCT
fsr-3442	77	24	i.e.	i.e.	X
fsr-3442	77	25	,	,	PUNCT
fsr-3442	77	26	access	access	NOUN
fsr-3442	77	27	to	to	ADP
fsr-3442	77	28	credit	credit	NOUN
fsr-3442	77	29	,	,	PUNCT
fsr-3442	77	30	housing	housing	NOUN
fsr-3442	77	31	,	,	PUNCT
fsr-3442	77	32	or	or	CCONJ
fsr-3442	77	33	employment	employment	NOUN
fsr-3442	77	34	)	)	PUNCT
fsr-3442	77	35	of	of	ADP
fsr-3442	77	36	exhibiting	exhibit	VERB
fsr-3442	77	37	positive	positive	ADJ
fsr-3442	77	38	debt	debt	NOUN
fsr-3442	77	39	management	management	NOUN
fsr-3442	77	40	behaviors	behavior	NOUN
fsr-3442	77	41	.	.	PUNCT
fsr-3442	78	1	32	32	NUM
fsr-3442	78	2	q.	q.	PROPN
fsr-3442	78	3	bi	bi	PROPN
fsr-3442	78	4	et	et	PROPN
fsr-3442	78	5	al	al	PROPN
fsr-3442	78	6	.	.	PUNCT
fsr-3442	78	7	/	/	SYM
fsr-3442	78	8	financial	financial	ADJ
fsr-3442	78	9	services	service	NOUN
fsr-3442	78	10	review	review	VERB
fsr-3442	78	11	29	29	NUM
fsr-3442	78	12	(	(	PUNCT
fsr-3442	78	13	2021	2021	NUM
fsr-3442	78	14	)	)	PUNCT
fsr-3442	78	15	29–54	29–54	NUM
fsr-3442	78	16	2.1.2	2.1.2	NUM
fsr-3442	78	17	.	.	PUNCT
fsr-3442	79	1	planning	planning	NOUN
fsr-3442	79	2	activities	activity	NOUN
fsr-3442	79	3	according	accord	VERB
fsr-3442	79	4	to	to	ADP
fsr-3442	79	5	life	life	NOUN
fsr-3442	79	6	cycle	cycle	NOUN
fsr-3442	79	7	theory	theory	NOUN
fsr-3442	79	8	,	,	PUNCT
fsr-3442	79	9	individuals	individual	NOUN
fsr-3442	79	10	are	be	AUX
fsr-3442	79	11	saving	save	VERB
fsr-3442	79	12	and	and	CCONJ
fsr-3442	79	13	borrowing	borrow	VERB
fsr-3442	79	14	to	to	PART
fsr-3442	79	15	smooth	smooth	VERB
fsr-3442	79	16	out	out	ADP
fsr-3442	79	17	consumption	consumption	NOUN
fsr-3442	79	18	over	over	ADP
fsr-3442	79	19	lifetime	lifetime	NOUN
fsr-3442	79	20	(	(	PUNCT
fsr-3442	79	21	modigliani	modigliani	PROPN
fsr-3442	79	22	&	&	CCONJ
fsr-3442	79	23	brumberg	brumberg	PROPN
fsr-3442	79	24	,	,	PUNCT
fsr-3442	79	25	1954	1954	NUM
fsr-3442	79	26	)	)	PUNCT
fsr-3442	79	27	.	.	PUNCT
fsr-3442	80	1	the	the	DET
fsr-3442	80	2	assumption	assumption	NOUN
fsr-3442	80	3	of	of	ADP
fsr-3442	80	4	life	life	NOUN
fsr-3442	80	5	cycle	cycle	NOUN
fsr-3442	80	6	theory	theory	NOUN
fsr-3442	80	7	is	be	AUX
fsr-3442	80	8	that	that	SCONJ
fsr-3442	80	9	people	people	NOUN
fsr-3442	80	10	are	be	AUX
fsr-3442	80	11	forward	forward	ADV
fsr-3442	80	12	-	-	PUNCT
fsr-3442	80	13	looking	look	VERB
fsr-3442	80	14	and	and	CCONJ
fsr-3442	80	15	making	make	VERB
fsr-3442	80	16	plans	plan	NOUN
fsr-3442	80	17	for	for	ADP
fsr-3442	80	18	the	the	DET
fsr-3442	80	19	future	future	NOUN
fsr-3442	80	20	.	.	PUNCT
fsr-3442	81	1	planning	plan	VERB
fsr-3442	81	2	for	for	ADP
fsr-3442	81	3	the	the	DET
fsr-3442	81	4	future	future	NOUN
fsr-3442	81	5	is	be	AUX
fsr-3442	81	6	a	a	DET
fsr-3442	81	7	positive	positive	ADJ
fsr-3442	81	8	financial	financial	ADJ
fsr-3442	81	9	behavior	behavior	NOUN
fsr-3442	81	10	as	as	SCONJ
fsr-3442	81	11	it	it	PRON
fsr-3442	81	12	allows	allow	VERB
fsr-3442	81	13	households	household	NOUN
fsr-3442	81	14	to	to	PART
fsr-3442	81	15	smooth	smooth	VERB
fsr-3442	81	16	out	out	ADP
fsr-3442	81	17	consumption	consumption	NOUN
fsr-3442	81	18	to	to	PART
fsr-3442	81	19	maximize	maximize	VERB
fsr-3442	81	20	lifetime	lifetime	NOUN
fsr-3442	81	21	utility	utility	NOUN
fsr-3442	81	22	.	.	PUNCT
fsr-3442	82	1	to	to	PART
fsr-3442	82	2	effectively	effectively	ADV
fsr-3442	82	3	transfer	transfer	VERB
fsr-3442	82	4	financial	financial	ADJ
fsr-3442	82	5	resources	resource	NOUN
fsr-3442	82	6	from	from	ADP
fsr-3442	82	7	one	one	NUM
fsr-3442	82	8	period	period	NOUN
fsr-3442	82	9	to	to	ADP
fsr-3442	82	10	another	another	PRON
fsr-3442	82	11	,	,	PUNCT
fsr-3442	82	12	individuals	individual	NOUN
fsr-3442	82	13	need	need	VERB
fsr-3442	82	14	to	to	PART
fsr-3442	82	15	have	have	VERB
fsr-3442	82	16	an	an	DET
fsr-3442	82	17	extensive	extensive	ADJ
fsr-3442	82	18	planning	planning	NOUN
fsr-3442	82	19	process	process	NOUN
fsr-3442	82	20	.	.	PUNCT
fsr-3442	83	1	rutherford	rutherford	PROPN
fsr-3442	83	2	and	and	CCONJ
fsr-3442	83	3	devaney	devaney	PROPN
fsr-3442	83	4	(	(	PUNCT
fsr-3442	83	5	2009	2009	NUM
fsr-3442	83	6	)	)	PUNCT
fsr-3442	83	7	suggest	suggest	VERB
fsr-3442	83	8	that	that	SCONJ
fsr-3442	83	9	financial	financial	ADJ
fsr-3442	83	10	advisors	advisor	NOUN
fsr-3442	83	11	and	and	CCONJ
fsr-3442	83	12	educators	educator	NOUN
fsr-3442	83	13	must	must	AUX
fsr-3442	83	14	encourage	encourage	VERB
fsr-3442	83	15	and	and	CCONJ
fsr-3442	83	16	assist	assist	VERB
fsr-3442	83	17	households	household	NOUN
fsr-3442	83	18	in	in	ADP
fsr-3442	83	19	preparing	prepare	VERB
fsr-3442	83	20	financial	financial	ADJ
fsr-3442	83	21	plans	plan	NOUN
fsr-3442	83	22	that	that	PRON
fsr-3442	83	23	extend	extend	VERB
fsr-3442	83	24	beyond	beyond	ADP
fsr-3442	83	25	five	five	NUM
fsr-3442	83	26	years	year	NOUN
fsr-3442	83	27	.	.	PUNCT
fsr-3442	84	1	they	they	PRON
fsr-3442	84	2	find	find	VERB
fsr-3442	84	3	that	that	SCONJ
fsr-3442	84	4	households	household	NOUN
fsr-3442	84	5	who	who	PRON
fsr-3442	84	6	have	have	VERB
fsr-3442	84	7	financial	financial	ADJ
fsr-3442	84	8	planning	planning	NOUN
fsr-3442	84	9	horizons	horizon	NOUN
fsr-3442	84	10	of	of	ADP
fsr-3442	84	11	at	at	ADV
fsr-3442	84	12	least	least	ADV
fsr-3442	84	13	five	five	NUM
fsr-3442	84	14	years	year	NOUN
fsr-3442	84	15	are	be	AUX
fsr-3442	84	16	more	more	ADV
fsr-3442	84	17	likely	likely	ADJ
fsr-3442	84	18	to	to	PART
fsr-3442	84	19	be	be	AUX
fsr-3442	84	20	convenience	convenience	NOUN
fsr-3442	84	21	users	user	NOUN
fsr-3442	84	22	of	of	ADP
fsr-3442	84	23	credit	credit	NOUN
fsr-3442	84	24	.	.	PUNCT
fsr-3442	85	1	stawski	stawski	PROPN
fsr-3442	85	2	et	et	PROPN
fsr-3442	85	3	al	al	PROPN
fsr-3442	85	4	.	.	PROPN
fsr-3442	86	1	(	(	PUNCT
fsr-3442	86	2	2007	2007	NUM
fsr-3442	86	3	)	)	PUNCT
fsr-3442	86	4	find	find	VERB
fsr-3442	86	5	that	that	SCONJ
fsr-3442	86	6	goal	goal	NOUN
fsr-3442	86	7	clarity	clarity	NOUN
fsr-3442	86	8	serves	serve	VERB
fsr-3442	86	9	as	as	ADP
fsr-3442	86	10	an	an	DET
fsr-3442	86	11	important	important	ADJ
fsr-3442	86	12	psychological	psychological	ADJ
fsr-3442	86	13	mechanism	mechanism	NOUN
fsr-3442	86	14	,	,	PUNCT
fsr-3442	86	15	which	which	PRON
fsr-3442	86	16	motivates	motivate	VERB
fsr-3442	86	17	individuals	individual	NOUN
fsr-3442	86	18	to	to	PART
fsr-3442	86	19	plan	plan	VERB
fsr-3442	86	20	for	for	ADP
fsr-3442	86	21	the	the	DET
fsr-3442	86	22	future	future	NOUN
fsr-3442	86	23	.	.	PUNCT
fsr-3442	87	1	for	for	ADP
fsr-3442	87	2	example	example	NOUN
fsr-3442	87	3	,	,	PUNCT
fsr-3442	87	4	neukam	neukam	ADJ
fsr-3442	87	5	and	and	CCONJ
fsr-3442	87	6	hershey	hershey	PROPN
fsr-3442	87	7	(	(	PUNCT
fsr-3442	87	8	2003	2003	NUM
fsr-3442	87	9	)	)	PUNCT
fsr-3442	87	10	demonstrate	demonstrate	VERB
fsr-3442	87	11	that	that	SCONJ
fsr-3442	87	12	financial	financial	ADJ
fsr-3442	87	13	goals	goal	NOUN
fsr-3442	87	14	have	have	VERB
fsr-3442	87	15	a	a	DET
fsr-3442	87	16	significant	significant	ADJ
fsr-3442	87	17	impact	impact	NOUN
fsr-3442	87	18	on	on	ADP
fsr-3442	87	19	retirement	retirement	NOUN
fsr-3442	87	20	savings	saving	NOUN
fsr-3442	87	21	contributions	contribution	NOUN
fsr-3442	87	22	.	.	PUNCT
fsr-3442	88	1	specifically	specifically	ADV
fsr-3442	88	2	,	,	PUNCT
fsr-3442	88	3	goals	goal	NOUN
fsr-3442	88	4	help	help	VERB
fsr-3442	88	5	individuals	individual	NOUN
fsr-3442	88	6	structure	structure	NOUN
fsr-3442	88	7	perceptions	perception	NOUN
fsr-3442	88	8	and	and	CCONJ
fsr-3442	88	9	form	form	NOUN
fsr-3442	88	10	expectations	expectation	NOUN
fsr-3442	88	11	about	about	ADP
fsr-3442	88	12	future	future	ADJ
fsr-3442	88	13	resource	resource	NOUN
fsr-3442	88	14	needs	need	VERB
fsr-3442	88	15	so	so	SCONJ
fsr-3442	88	16	they	they	PRON
fsr-3442	88	17	help	help	VERB
fsr-3442	88	18	increase	increase	VERB
fsr-3442	88	19	both	both	DET
fsr-3442	88	20	actual	actual	ADJ
fsr-3442	88	21	savings	saving	NOUN
fsr-3442	88	22	levels	level	NOUN
fsr-3442	88	23	and	and	CCONJ
fsr-3442	88	24	the	the	DET
fsr-3442	88	25	intention	intention	NOUN
fsr-3442	88	26	to	to	PART
fsr-3442	88	27	save	save	VERB
fsr-3442	88	28	(	(	PUNCT
fsr-3442	88	29	stawski	stawski	VERB
fsr-3442	88	30	et	et	PROPN
fsr-3442	88	31	al	al	PROPN
fsr-3442	88	32	.	.	PROPN
fsr-3442	88	33	,	,	PUNCT
fsr-3442	88	34	2007	2007	NUM
fsr-3442	88	35	)	)	PUNCT
fsr-3442	88	36	.	.	PUNCT
fsr-3442	89	1	moreover	moreover	ADV
fsr-3442	89	2	,	,	PUNCT
fsr-3442	89	3	households	household	NOUN
fsr-3442	89	4	who	who	PRON
fsr-3442	89	5	had	have	AUX
fsr-3442	89	6	not	not	PART
fsr-3442	89	7	engaged	engage	VERB
fsr-3442	89	8	in	in	ADP
fsr-3442	89	9	planning	planning	NOUN
fsr-3442	89	10	activities	activity	NOUN
fsr-3442	89	11	are	be	AUX
fsr-3442	89	12	significantly	significantly	ADV
fsr-3442	89	13	less	less	ADV
fsr-3442	89	14	likely	likely	ADJ
fsr-3442	89	15	to	to	PART
fsr-3442	89	16	accumulate	accumulate	VERB
fsr-3442	89	17	wealth	wealth	NOUN
fsr-3442	89	18	(	(	PUNCT
fsr-3442	89	19	ameriks	ameriks	PROPN
fsr-3442	89	20	et	et	PROPN
fsr-3442	89	21	al	al	PROPN
fsr-3442	89	22	.	.	PROPN
fsr-3442	89	23	,	,	PUNCT
fsr-3442	89	24	2002	2002	NUM
fsr-3442	89	25	;	;	PUNCT
fsr-3442	89	26	lusardi	lusardi	PROPN
fsr-3442	89	27	,	,	PUNCT
fsr-3442	89	28	2010	2010	NUM
fsr-3442	89	29	)	)	PUNCT
fsr-3442	89	30	.	.	PUNCT
fsr-3442	90	1	another	another	DET
fsr-3442	90	2	class	class	NOUN
fsr-3442	90	3	of	of	ADP
fsr-3442	90	4	financial	financial	ADJ
fsr-3442	90	5	planning	planning	NOUN
fsr-3442	90	6	activities	activity	NOUN
fsr-3442	90	7	involves	involve	VERB
fsr-3442	90	8	information	information	NOUN
fsr-3442	90	9	-	-	PUNCT
fsr-3442	90	10	seeking	seeking	NOUN
fsr-3442	90	11	,	,	PUNCT
fsr-3442	90	12	especially	especially	ADV
fsr-3442	90	13	when	when	SCONJ
fsr-3442	90	14	individuals	individual	NOUN
fsr-3442	90	15	are	be	AUX
fsr-3442	90	16	shopping	shop	VERB
fsr-3442	90	17	for	for	ADP
fsr-3442	90	18	credit	credit	NOUN
fsr-3442	90	19	,	,	PUNCT
fsr-3442	90	20	savings	saving	NOUN
fsr-3442	90	21	,	,	PUNCT
fsr-3442	90	22	and	and	CCONJ
fsr-3442	90	23	investment	investment	NOUN
fsr-3442	90	24	products	product	NOUN
fsr-3442	90	25	.	.	PUNCT
fsr-3442	91	1	lee	lee	PROPN
fsr-3442	91	2	and	and	CCONJ
fsr-3442	91	3	hogarth	hogarth	NOUN
fsr-3442	91	4	(	(	PUNCT
fsr-3442	91	5	1999	1999	NUM
fsr-3442	91	6	)	)	PUNCT
fsr-3442	91	7	find	find	VERB
fsr-3442	91	8	that	that	SCONJ
fsr-3442	91	9	households	household	NOUN
fsr-3442	91	10	who	who	PRON
fsr-3442	91	11	extensively	extensively	ADV
fsr-3442	91	12	search	search	VERB
fsr-3442	91	13	when	when	SCONJ
fsr-3442	91	14	shopping	shop	VERB
fsr-3442	91	15	for	for	ADP
fsr-3442	91	16	credit	credit	NOUN
fsr-3442	91	17	are	be	AUX
fsr-3442	91	18	more	more	ADV
fsr-3442	91	19	likely	likely	ADJ
fsr-3442	91	20	to	to	PART
fsr-3442	91	21	have	have	VERB
fsr-3442	91	22	lower	low	ADJ
fsr-3442	91	23	aprs	aprs	NOUN
fsr-3442	91	24	and	and	CCONJ
fsr-3442	91	25	more	more	ADV
fsr-3442	91	26	likely	likely	ADJ
fsr-3442	91	27	to	to	PART
fsr-3442	91	28	solve	solve	VERB
fsr-3442	91	29	their	their	PRON
fsr-3442	91	30	credit	credit	NOUN
fsr-3442	91	31	card	card	NOUN
fsr-3442	91	32	debts	debt	NOUN
fsr-3442	91	33	.	.	PUNCT
fsr-3442	92	1	consumers	consumer	NOUN
fsr-3442	92	2	who	who	PRON
fsr-3442	92	3	take	take	VERB
fsr-3442	92	4	more	more	ADJ
fsr-3442	92	5	effort	effort	NOUN
fsr-3442	92	6	to	to	PART
fsr-3442	92	7	shop	shop	VERB
fsr-3442	92	8	for	for	ADP
fsr-3442	92	9	credit	credit	NOUN
fsr-3442	92	10	are	be	AUX
fsr-3442	92	11	likely	likely	ADJ
fsr-3442	92	12	to	to	PART
fsr-3442	92	13	find	find	VERB
fsr-3442	92	14	loans	loan	NOUN
fsr-3442	92	15	with	with	ADP
fsr-3442	92	16	good	good	ADJ
fsr-3442	92	17	terms	term	NOUN
fsr-3442	92	18	and	and	CCONJ
fsr-3442	92	19	conditions	condition	NOUN
fsr-3442	92	20	as	as	ADV
fsr-3442	92	21	well	well	ADV
fsr-3442	92	22	as	as	ADP
fsr-3442	92	23	being	be	AUX
fsr-3442	92	24	more	more	ADV
fsr-3442	92	25	likely	likely	ADJ
fsr-3442	92	26	to	to	PART
fsr-3442	92	27	be	be	AUX
fsr-3442	92	28	convenience	convenience	NOUN
fsr-3442	92	29	credit	credit	NOUN
fsr-3442	92	30	users	user	NOUN
fsr-3442	92	31	(	(	PUNCT
fsr-3442	92	32	rutherford	rutherford	PROPN
fsr-3442	92	33	&	&	CCONJ
fsr-3442	92	34	devaney	devaney	PROPN
fsr-3442	92	35	,	,	PUNCT
fsr-3442	92	36	2009	2009	NUM
fsr-3442	92	37	)	)	PUNCT
fsr-3442	92	38	.	.	PUNCT
fsr-3442	93	1	the	the	DET
fsr-3442	93	2	more	more	ADJ
fsr-3442	93	3	exploration	exploration	NOUN
fsr-3442	93	4	a	a	DET
fsr-3442	93	5	household	household	NOUN
fsr-3442	93	6	does	do	VERB
fsr-3442	93	7	when	when	SCONJ
fsr-3442	93	8	making	make	VERB
fsr-3442	93	9	financial	financial	ADJ
fsr-3442	93	10	decisions	decision	NOUN
fsr-3442	93	11	on	on	ADP
fsr-3442	93	12	credit	credit	NOUN
fsr-3442	93	13	,	,	PUNCT
fsr-3442	93	14	savings	saving	NOUN
fsr-3442	93	15	,	,	PUNCT
fsr-3442	93	16	and	and	CCONJ
fsr-3442	93	17	investments	investment	NOUN
fsr-3442	93	18	,	,	PUNCT
fsr-3442	93	19	the	the	DET
fsr-3442	93	20	more	more	ADV
fsr-3442	93	21	likely	likely	ADJ
fsr-3442	93	22	it	it	PRON
fsr-3442	93	23	is	be	AUX
fsr-3442	93	24	going	go	VERB
fsr-3442	93	25	to	to	PART
fsr-3442	93	26	get	get	VERB
fsr-3442	93	27	a	a	DET
fsr-3442	93	28	better	well	ADJ
fsr-3442	93	29	deal	deal	NOUN
fsr-3442	93	30	.	.	PUNCT
fsr-3442	94	1	2.1.3	2.1.3	X
fsr-3442	94	2	.	.	PUNCT
fsr-3442	94	3	risk	risk	NOUN
fsr-3442	94	4	management	management	NOUN
fsr-3442	94	5	households	household	NOUN
fsr-3442	94	6	are	be	AUX
fsr-3442	94	7	vulnerable	vulnerable	ADJ
fsr-3442	94	8	when	when	SCONJ
fsr-3442	94	9	facing	face	VERB
fsr-3442	94	10	a	a	DET
fsr-3442	94	11	variety	variety	NOUN
fsr-3442	94	12	of	of	ADP
fsr-3442	94	13	unexpected	unexpected	ADJ
fsr-3442	94	14	events	event	NOUN
fsr-3442	94	15	that	that	PRON
fsr-3442	94	16	could	could	AUX
fsr-3442	94	17	lead	lead	VERB
fsr-3442	94	18	to	to	ADP
fsr-3442	94	19	serious	serious	ADJ
fsr-3442	94	20	financial	financial	ADJ
fsr-3442	94	21	difficulties	difficulty	NOUN
fsr-3442	94	22	.	.	PUNCT
fsr-3442	95	1	insurance	insurance	NOUN
fsr-3442	95	2	is	be	AUX
fsr-3442	95	3	a	a	DET
fsr-3442	95	4	tool	tool	NOUN
fsr-3442	95	5	to	to	PART
fsr-3442	95	6	protect	protect	VERB
fsr-3442	95	7	against	against	ADP
fsr-3442	95	8	substantial	substantial	ADJ
fsr-3442	95	9	financial	financial	ADJ
fsr-3442	95	10	losses	loss	NOUN
fsr-3442	95	11	when	when	SCONJ
fsr-3442	95	12	unplanned	unplanned	ADJ
fsr-3442	95	13	perils	peril	NOUN
fsr-3442	95	14	or	or	CCONJ
fsr-3442	95	15	health	health	NOUN
fsr-3442	95	16	circumstances	circumstance	NOUN
fsr-3442	95	17	occur	occur	VERB
fsr-3442	95	18	.	.	PUNCT
fsr-3442	96	1	thus	thus	ADV
fsr-3442	96	2	,	,	PUNCT
fsr-3442	96	3	insurance	insurance	NOUN
fsr-3442	96	4	is	be	AUX
fsr-3442	96	5	an	an	DET
fsr-3442	96	6	important	important	ADJ
fsr-3442	96	7	aspect	aspect	NOUN
fsr-3442	96	8	of	of	ADP
fsr-3442	96	9	personal	personal	ADJ
fsr-3442	96	10	financial	financial	ADJ
fsr-3442	96	11	management	management	NOUN
fsr-3442	96	12	.	.	PUNCT
fsr-3442	97	1	lin	lin	PROPN
fsr-3442	97	2	and	and	CCONJ
fsr-3442	97	3	grace	grace	NOUN
fsr-3442	97	4	(	(	PUNCT
fsr-3442	97	5	2007	2007	NUM
fsr-3442	97	6	)	)	PUNCT
fsr-3442	97	7	find	find	VERB
fsr-3442	97	8	that	that	SCONJ
fsr-3442	97	9	financial	financial	ADJ
fsr-3442	97	10	vulnerability	vulnerability	NOUN
fsr-3442	97	11	has	have	VERB
fsr-3442	97	12	a	a	DET
fsr-3442	97	13	significant	significant	ADJ
fsr-3442	97	14	impact	impact	NOUN
fsr-3442	97	15	on	on	ADP
fsr-3442	97	16	the	the	DET
fsr-3442	97	17	amount	amount	NOUN
fsr-3442	97	18	of	of	ADP
fsr-3442	97	19	term	term	NOUN
fsr-3442	97	20	life	life	NOUN
fsr-3442	97	21	or	or	CCONJ
fsr-3442	97	22	total	total	ADJ
fsr-3442	97	23	life	life	NOUN
fsr-3442	97	24	insurance	insurance	NOUN
fsr-3442	97	25	purchased	purchase	VERB
fsr-3442	97	26	.	.	PUNCT
fsr-3442	98	1	they	they	PRON
fsr-3442	98	2	argue	argue	VERB
fsr-3442	98	3	that	that	SCONJ
fsr-3442	98	4	the	the	DET
fsr-3442	98	5	key	key	ADJ
fsr-3442	98	6	determinant	determinant	NOUN
fsr-3442	98	7	of	of	ADP
fsr-3442	98	8	the	the	DET
fsr-3442	98	9	demand	demand	NOUN
fsr-3442	98	10	for	for	ADP
fsr-3442	98	11	life	life	NOUN
fsr-3442	98	12	insurance	insurance	NOUN
fsr-3442	98	13	is	be	AUX
fsr-3442	98	14	the	the	DET
fsr-3442	98	15	impact	impact	NOUN
fsr-3442	98	16	of	of	ADP
fsr-3442	98	17	the	the	DET
fsr-3442	98	18	insured	insure	VERB
fsr-3442	98	19	’s	’s	PART
fsr-3442	98	20	death	death	NOUN
fsr-3442	98	21	on	on	ADP
fsr-3442	98	22	the	the	DET
fsr-3442	98	23	future	future	ADJ
fsr-3442	98	24	consumption	consumption	NOUN
fsr-3442	98	25	of	of	ADP
fsr-3442	98	26	other	other	ADJ
fsr-3442	98	27	household	household	NOUN
fsr-3442	98	28	members	member	NOUN
fsr-3442	98	29	.	.	PUNCT
fsr-3442	99	1	households	household	NOUN
fsr-3442	99	2	with	with	ADP
fsr-3442	99	3	dependent	dependent	ADJ
fsr-3442	99	4	children	child	NOUN
fsr-3442	99	5	are	be	AUX
fsr-3442	99	6	more	more	ADV
fsr-3442	99	7	financially	financially	ADV
fsr-3442	99	8	vulnerable	vulnerable	ADJ
fsr-3442	99	9	because	because	SCONJ
fsr-3442	99	10	children	child	NOUN
fsr-3442	99	11	consume	consume	VERB
fsr-3442	99	12	most	most	ADJ
fsr-3442	99	13	resources	resource	NOUN
fsr-3442	99	14	but	but	CCONJ
fsr-3442	99	15	generally	generally	ADV
fsr-3442	99	16	contribute	contribute	VERB
fsr-3442	99	17	little	little	ADJ
fsr-3442	99	18	to	to	ADP
fsr-3442	99	19	the	the	DET
fsr-3442	99	20	household	household	NOUN
fsr-3442	99	21	income	income	NOUN
fsr-3442	99	22	.	.	PUNCT
fsr-3442	100	1	preparing	prepare	VERB
fsr-3442	100	2	for	for	ADP
fsr-3442	100	3	the	the	DET
fsr-3442	100	4	potential	potential	ADJ
fsr-3442	100	5	loss	loss	NOUN
fsr-3442	100	6	of	of	ADP
fsr-3442	100	7	the	the	DET
fsr-3442	100	8	breadwinner	breadwinner	NOUN
fsr-3442	100	9	of	of	ADP
fsr-3442	100	10	the	the	DET
fsr-3442	100	11	household	household	NOUN
fsr-3442	100	12	is	be	AUX
fsr-3442	100	13	very	very	ADV
fsr-3442	100	14	beneficial	beneficial	ADJ
fsr-3442	100	15	especially	especially	ADV
fsr-3442	100	16	for	for	ADP
fsr-3442	100	17	households	household	NOUN
fsr-3442	100	18	with	with	ADP
fsr-3442	100	19	children	child	NOUN
fsr-3442	100	20	under	under	ADP
fsr-3442	100	21	18	18	NUM
fsr-3442	100	22	present	present	NOUN
fsr-3442	100	23	(	(	PUNCT
fsr-3442	100	24	lewis	lewis	PROPN
fsr-3442	100	25	,	,	PUNCT
fsr-3442	100	26	1989	1989	NUM
fsr-3442	100	27	)	)	PUNCT
fsr-3442	100	28	.	.	PUNCT
fsr-3442	101	1	evidence	evidence	NOUN
fsr-3442	101	2	shows	show	VERB
fsr-3442	101	3	that	that	SCONJ
fsr-3442	101	4	around	around	ADV
fsr-3442	101	5	two	two	NUM
fsr-3442	101	6	-	-	PUNCT
fsr-3442	101	7	thirds	third	NOUN
fsr-3442	101	8	of	of	ADP
fsr-3442	101	9	poverty	poverty	NOUN
fsr-3442	101	10	among	among	ADP
fsr-3442	101	11	surviving	survive	VERB
fsr-3442	101	12	women	woman	NOUN
fsr-3442	101	13	and	and	CCONJ
fsr-3442	101	14	more	more	ADJ
fsr-3442	101	15	than	than	ADP
fsr-3442	101	16	one	one	NUM
fsr-3442	101	17	-	-	PUNCT
fsr-3442	101	18	third	third	NOUN
fsr-3442	101	19	of	of	ADP
fsr-3442	101	20	poverty	poverty	NOUN
fsr-3442	101	21	among	among	ADP
fsr-3442	101	22	surviving	survive	VERB
fsr-3442	101	23	men	man	NOUN
fsr-3442	101	24	result	result	VERB
fsr-3442	101	25	from	from	ADP
fsr-3442	101	26	failures	failure	NOUN
fsr-3442	101	27	to	to	PART
fsr-3442	101	28	insure	insure	VERB
fsr-3442	101	29	survivors	survivor	NOUN
fsr-3442	101	30	against	against	ADP
fsr-3442	101	31	sudden	sudden	ADJ
fsr-3442	101	32	loss	loss	NOUN
fsr-3442	101	33	of	of	ADP
fsr-3442	101	34	household	household	NOUN
fsr-3442	101	35	head	head	NOUN
fsr-3442	101	36	(	(	PUNCT
fsr-3442	101	37	bernheim	bernheim	PROPN
fsr-3442	101	38	et	et	PROPN
fsr-3442	101	39	al	al	PROPN
fsr-3442	101	40	.	.	PROPN
fsr-3442	101	41	,	,	PUNCT
fsr-3442	101	42	2001	2001	NUM
fsr-3442	101	43	)	)	PUNCT
fsr-3442	101	44	.	.	PUNCT
fsr-3442	102	1	although	although	SCONJ
fsr-3442	102	2	other	other	ADJ
fsr-3442	102	3	research	research	NOUN
fsr-3442	102	4	finds	find	VERB
fsr-3442	102	5	that	that	SCONJ
fsr-3442	102	6	life	life	NOUN
fsr-3442	102	7	insurance	insurance	NOUN
fsr-3442	102	8	q.	q.	PROPN
fsr-3442	102	9	bi	bi	PROPN
fsr-3442	102	10	et	et	PROPN
fsr-3442	102	11	al	al	PROPN
fsr-3442	102	12	.	.	PUNCT
fsr-3442	102	13	/	/	SYM
fsr-3442	102	14	financial	financial	ADJ
fsr-3442	102	15	services	service	NOUN
fsr-3442	102	16	review	review	VERB
fsr-3442	102	17	29	29	NUM
fsr-3442	102	18	(	(	PUNCT
fsr-3442	102	19	2021	2021	NUM
fsr-3442	102	20	)	)	PUNCT
fsr-3442	102	21	29–54	29–54	NUM
fsr-3442	102	22	33	33	NUM
fsr-3442	102	23	is	be	AUX
fsr-3442	102	24	essentially	essentially	ADV
fsr-3442	102	25	uncorrelated	uncorrelated	ADJ
fsr-3442	102	26	with	with	ADP
fsr-3442	102	27	financial	financial	ADJ
fsr-3442	102	28	vulnerability	vulnerability	NOUN
fsr-3442	102	29	at	at	ADP
fsr-3442	102	30	every	every	DET
fsr-3442	102	31	stage	stage	NOUN
fsr-3442	102	32	of	of	ADP
fsr-3442	102	33	the	the	DET
fsr-3442	102	34	life	life	NOUN
fsr-3442	102	35	cycle	cycle	NOUN
fsr-3442	102	36	(	(	PUNCT
fsr-3442	102	37	bernheim	bernheim	PROPN
fsr-3442	102	38	et	et	PROPN
fsr-3442	102	39	al	al	PROPN
fsr-3442	102	40	.	.	PROPN
fsr-3442	102	41	,	,	PUNCT
fsr-3442	102	42	2003	2003	NUM
fsr-3442	102	43	)	)	PUNCT
fsr-3442	102	44	,	,	PUNCT
fsr-3442	102	45	we	we	PRON
fsr-3442	102	46	consider	consider	VERB
fsr-3442	102	47	protection	protection	NOUN
fsr-3442	102	48	for	for	ADP
fsr-3442	102	49	your	your	PRON
fsr-3442	102	50	dependents	dependent	NOUN
fsr-3442	102	51	as	as	ADP
fsr-3442	102	52	a	a	DET
fsr-3442	102	53	positive	positive	ADJ
fsr-3442	102	54	financial	financial	ADJ
fsr-3442	102	55	behavior	behavior	NOUN
fsr-3442	102	56	because	because	SCONJ
fsr-3442	102	57	it	it	PRON
fsr-3442	102	58	protects	protect	VERB
fsr-3442	102	59	the	the	DET
fsr-3442	102	60	family	family	NOUN
fsr-3442	102	61	from	from	ADP
fsr-3442	102	62	the	the	DET
fsr-3442	102	63	financial	financial	ADJ
fsr-3442	102	64	shock	shock	NOUN
fsr-3442	102	65	of	of	ADP
fsr-3442	102	66	losing	lose	VERB
fsr-3442	102	67	a	a	DET
fsr-3442	102	68	breadwinner	breadwinner	NOUN
fsr-3442	102	69	.	.	PUNCT
fsr-3442	103	1	households	household	NOUN
fsr-3442	103	2	need	need	VERB
fsr-3442	103	3	to	to	PART
fsr-3442	103	4	insure	insure	VERB
fsr-3442	103	5	against	against	ADP
fsr-3442	103	6	the	the	DET
fsr-3442	103	7	loss	loss	NOUN
fsr-3442	103	8	of	of	ADP
fsr-3442	103	9	health	health	NOUN
fsr-3442	103	10	-	-	PUNCT
fsr-3442	103	11	related	relate	VERB
fsr-3442	103	12	human	human	ADJ
fsr-3442	103	13	capital	capital	NOUN
fsr-3442	103	14	of	of	ADP
fsr-3442	103	15	its	its	PRON
fsr-3442	103	16	earners	earner	NOUN
fsr-3442	103	17	to	to	PART
fsr-3442	103	18	ensure	ensure	VERB
fsr-3442	103	19	viability	viability	NOUN
fsr-3442	103	20	.	.	PUNCT
fsr-3442	104	1	however	however	ADV
fsr-3442	104	2	,	,	PUNCT
fsr-3442	104	3	health	health	NOUN
fsr-3442	104	4	insurance	insurance	NOUN
fsr-3442	104	5	products	product	NOUN
fsr-3442	104	6	are	be	AUX
fsr-3442	104	7	too	too	ADV
fsr-3442	104	8	complicated	complicated	ADJ
fsr-3442	104	9	for	for	ADP
fsr-3442	104	10	most	most	ADJ
fsr-3442	104	11	households	household	NOUN
fsr-3442	104	12	.	.	PUNCT
fsr-3442	105	1	according	accord	VERB
fsr-3442	105	2	to	to	ADP
fsr-3442	105	3	data	datum	NOUN
fsr-3442	105	4	from	from	ADP
fsr-3442	105	5	the	the	DET
fsr-3442	105	6	1977	1977	NUM
fsr-3442	105	7	national	national	ADJ
fsr-3442	105	8	medical	medical	ADJ
fsr-3442	105	9	expenditure	expenditure	NOUN
fsr-3442	105	10	survey	survey	NOUN
fsr-3442	105	11	,	,	PUNCT
fsr-3442	105	12	4.3	4.3	NUM
fsr-3442	105	13	%	%	NOUN
fsr-3442	105	14	of	of	ADP
fsr-3442	105	15	nonelderly	nonelderly	ADV
fsr-3442	105	16	families	family	NOUN
fsr-3442	105	17	spent	spend	VERB
fsr-3442	105	18	more	more	ADJ
fsr-3442	105	19	than	than	ADP
fsr-3442	105	20	20	20	NUM
fsr-3442	105	21	%	%	NOUN
fsr-3442	105	22	of	of	ADP
fsr-3442	105	23	their	their	PRON
fsr-3442	105	24	income	income	NOUN
fsr-3442	105	25	on	on	ADP
fsr-3442	105	26	health	health	NOUN
fsr-3442	105	27	care	care	NOUN
fsr-3442	105	28	(	(	PUNCT
fsr-3442	105	29	feenber	feenber	PROPN
fsr-3442	105	30	&	&	CCONJ
fsr-3442	105	31	skinner	skinner	PROPN
fsr-3442	105	32	,	,	PUNCT
fsr-3442	105	33	1994	1994	NUM
fsr-3442	105	34	)	)	PUNCT
fsr-3442	105	35	.	.	PUNCT
fsr-3442	106	1	health	health	NOUN
fsr-3442	106	2	expenditure	expenditure	NOUN
fsr-3442	106	3	shocks	shock	NOUN
fsr-3442	106	4	can	can	AUX
fsr-3442	106	5	lead	lead	VERB
fsr-3442	106	6	to	to	ADP
fsr-3442	106	7	households	household	NOUN
fsr-3442	106	8	’	'	PUNCT
fsr-3442	106	9	bankruptcy	bankruptcy	NOUN
fsr-3442	106	10	(	(	PUNCT
fsr-3442	106	11	livshits	livshit	NOUN
fsr-3442	106	12	,	,	PUNCT
fsr-3442	106	13	tertilt	tertilt	ADJ
fsr-3442	106	14	,	,	PUNCT
fsr-3442	106	15	&	&	CCONJ
fsr-3442	106	16	macgee	macgee	PROPN
fsr-3442	106	17	,	,	PUNCT
fsr-3442	106	18	2007	2007	NUM
fsr-3442	106	19	)	)	PUNCT
fsr-3442	106	20	yet	yet	CCONJ
fsr-3442	106	21	only	only	ADV
fsr-3442	106	22	high	high	ADJ
fsr-3442	106	23	-	-	PUNCT
fsr-3442	106	24	income	income	NOUN
fsr-3442	106	25	households	household	NOUN
fsr-3442	106	26	accumulate	accumulate	VERB
fsr-3442	106	27	precautionary	precautionary	ADJ
fsr-3442	106	28	savings	saving	NOUN
fsr-3442	106	29	to	to	PART
fsr-3442	106	30	shield	shield	VERB
fsr-3442	106	31	themselves	themselves	PRON
fsr-3442	106	32	from	from	ADP
fsr-3442	106	33	catastrophic	catastrophic	ADJ
fsr-3442	106	34	health	health	NOUN
fsr-3442	106	35	expenditures	expenditure	NOUN
fsr-3442	106	36	(	(	PUNCT
fsr-3442	106	37	jeske	jeske	PROPN
fsr-3442	106	38	&	&	CCONJ
fsr-3442	106	39	kitao	kitao	PROPN
fsr-3442	106	40	,	,	PUNCT
fsr-3442	106	41	2009	2009	NUM
fsr-3442	106	42	)	)	PUNCT
fsr-3442	106	43	.	.	PUNCT
fsr-3442	107	1	other	other	ADJ
fsr-3442	107	2	than	than	ADP
fsr-3442	107	3	health	health	NOUN
fsr-3442	107	4	-	-	PUNCT
fsr-3442	107	5	related	relate	VERB
fsr-3442	107	6	human	human	ADJ
fsr-3442	107	7	capital	capital	NOUN
fsr-3442	107	8	loss	loss	NOUN
fsr-3442	107	9	,	,	PUNCT
fsr-3442	107	10	households	household	NOUN
fsr-3442	107	11	are	be	AUX
fsr-3442	107	12	facing	face	VERB
fsr-3442	107	13	temporary	temporary	ADJ
fsr-3442	107	14	or	or	CCONJ
fsr-3442	107	15	permanent	permanent	ADJ
fsr-3442	107	16	disability	disability	NOUN
fsr-3442	107	17	risks	risk	NOUN
fsr-3442	107	18	as	as	ADV
fsr-3442	107	19	well	well	ADV
fsr-3442	107	20	.	.	PUNCT
fsr-3442	108	1	in	in	ADP
fsr-3442	108	2	theory	theory	NOUN
fsr-3442	108	3	,	,	PUNCT
fsr-3442	108	4	disability	disability	NOUN
fsr-3442	108	5	insurance	insurance	NOUN
fsr-3442	108	6	provides	provide	VERB
fsr-3442	108	7	benefits	benefit	NOUN
fsr-3442	108	8	to	to	ADP
fsr-3442	108	9	workers	worker	NOUN
fsr-3442	108	10	who	who	PRON
fsr-3442	108	11	are	be	AUX
fsr-3442	108	12	physically	physically	ADV
fsr-3442	108	13	unable	unable	ADJ
fsr-3442	108	14	to	to	PART
fsr-3442	108	15	find	find	VERB
fsr-3442	108	16	suitable	suitable	ADJ
fsr-3442	108	17	work	work	NOUN
fsr-3442	108	18	.	.	PUNCT
fsr-3442	109	1	although	although	SCONJ
fsr-3442	109	2	programs	program	NOUN
fsr-3442	109	3	like	like	ADP
fsr-3442	109	4	social	social	ADJ
fsr-3442	109	5	security	security	NOUN
fsr-3442	109	6	disability	disability	NOUN
fsr-3442	109	7	insurance	insurance	NOUN
fsr-3442	109	8	(	(	PUNCT
fsr-3442	109	9	ssdi	ssdi	NOUN
fsr-3442	109	10	)	)	PUNCT
fsr-3442	109	11	and	and	CCONJ
fsr-3442	109	12	supplemental	supplemental	ADJ
fsr-3442	109	13	security	security	NOUN
fsr-3442	109	14	income	income	NOUN
fsr-3442	109	15	(	(	PUNCT
fsr-3442	109	16	ssi	ssi	PROPN
fsr-3442	109	17	)	)	PUNCT
fsr-3442	109	18	are	be	AUX
fsr-3442	109	19	designed	design	VERB
fsr-3442	109	20	to	to	PART
fsr-3442	109	21	help	help	VERB
fsr-3442	109	22	workers	worker	NOUN
fsr-3442	109	23	with	with	ADP
fsr-3442	109	24	disabilities	disability	NOUN
fsr-3442	109	25	,	,	PUNCT
fsr-3442	109	26	these	these	DET
fsr-3442	109	27	benefits	benefit	NOUN
fsr-3442	109	28	are	be	AUX
fsr-3442	109	29	not	not	PART
fsr-3442	109	30	enough	enough	ADJ
fsr-3442	109	31	to	to	PART
fsr-3442	109	32	lift	lift	VERB
fsr-3442	109	33	incomes	income	NOUN
fsr-3442	109	34	above	above	ADP
fsr-3442	109	35	the	the	DET
fsr-3442	109	36	poverty	poverty	NOUN
fsr-3442	109	37	line	line	NOUN
fsr-3442	109	38	(	(	PUNCT
fsr-3442	109	39	stapleton	stapleton	PROPN
fsr-3442	109	40	et	et	PROPN
fsr-3442	109	41	al	al	PROPN
fsr-3442	109	42	.	.	PROPN
fsr-3442	109	43	,	,	PUNCT
fsr-3442	109	44	2006	2006	NUM
fsr-3442	109	45	)	)	PUNCT
fsr-3442	109	46	.	.	PUNCT
fsr-3442	110	1	between	between	ADP
fsr-3442	110	2	1985	1985	NUM
fsr-3442	110	3	and	and	CCONJ
fsr-3442	110	4	2004	2004	NUM
fsr-3442	110	5	,	,	PUNCT
fsr-3442	110	6	the	the	DET
fsr-3442	110	7	number	number	NOUN
fsr-3442	110	8	of	of	ADP
fsr-3442	110	9	disabled	disabled	ADJ
fsr-3442	110	10	individuals	individual	NOUN
fsr-3442	110	11	receiving	receive	VERB
fsr-3442	110	12	disability	disability	NOUN
fsr-3442	110	13	insurance	insurance	NOUN
fsr-3442	110	14	increased	increase	VERB
fsr-3442	110	15	by	by	ADP
fsr-3442	110	16	over	over	ADP
fsr-3442	110	17	100	100	NUM
fsr-3442	110	18	%	%	NOUN
fsr-3442	110	19	(	(	PUNCT
fsr-3442	110	20	chen	chen	PROPN
fsr-3442	110	21	&	&	CCONJ
fsr-3442	110	22	van	van	PROPN
fsr-3442	110	23	der	der	PROPN
fsr-3442	110	24	klaauw	klaauw	PROPN
fsr-3442	110	25	,	,	PUNCT
fsr-3442	110	26	2008	2008	NUM
fsr-3442	110	27	)	)	PUNCT
fsr-3442	110	28	.	.	PUNCT
fsr-3442	111	1	however	however	ADV
fsr-3442	111	2	,	,	PUNCT
fsr-3442	111	3	ssdi	ssdi	NOUN
fsr-3442	111	4	only	only	ADV
fsr-3442	111	5	pays	pay	VERB
fsr-3442	111	6	benefits	benefit	NOUN
fsr-3442	111	7	to	to	PART
fsr-3442	111	8	“	"	PUNCT
fsr-3442	111	9	insured	insure	VERB
fsr-3442	111	10	”	"	PUNCT
fsr-3442	111	11	workers	worker	NOUN
fsr-3442	111	12	and	and	CCONJ
fsr-3442	111	13	certain	certain	ADJ
fsr-3442	111	14	members	member	NOUN
fsr-3442	111	15	of	of	ADP
fsr-3442	111	16	their	their	PRON
fsr-3442	111	17	family	family	NOUN
fsr-3442	111	18	.	.	PUNCT
fsr-3442	112	1	in	in	ADP
fsr-3442	112	2	other	other	ADJ
fsr-3442	112	3	words	word	NOUN
fsr-3442	112	4	,	,	PUNCT
fsr-3442	112	5	workers	worker	NOUN
fsr-3442	112	6	with	with	ADP
fsr-3442	112	7	a	a	DET
fsr-3442	112	8	disability	disability	NOUN
fsr-3442	112	9	need	need	NOUN
fsr-3442	112	10	to	to	PART
fsr-3442	112	11	have	have	AUX
fsr-3442	112	12	worked	work	VERB
fsr-3442	112	13	and	and	CCONJ
fsr-3442	112	14	paid	pay	VERB
fsr-3442	112	15	social	social	ADJ
fsr-3442	112	16	security	security	NOUN
fsr-3442	112	17	taxes	taxis	NOUN
fsr-3442	112	18	for	for	ADP
fsr-3442	112	19	a	a	DET
fsr-3442	112	20	long	long	ADJ
fsr-3442	112	21	enough	enough	ADJ
fsr-3442	112	22	period	period	NOUN
fsr-3442	112	23	to	to	PART
fsr-3442	112	24	receive	receive	VERB
fsr-3442	112	25	disability	disability	NOUN
fsr-3442	112	26	benefits	benefit	NOUN
fsr-3442	112	27	from	from	ADP
fsr-3442	112	28	ssdi	ssdi	NOUN
fsr-3442	112	29	.	.	PUNCT
fsr-3442	113	1	a	a	DET
fsr-3442	113	2	recent	recent	ADJ
fsr-3442	113	3	fact	fact	NOUN
fsr-3442	113	4	sheet	sheet	NOUN
fsr-3442	113	5	from	from	ADP
fsr-3442	113	6	the	the	DET
fsr-3442	113	7	social	social	ADJ
fsr-3442	113	8	security	security	NOUN
fsr-3442	113	9	website	website	NOUN
fsr-3442	113	10	shows	show	VERB
fsr-3442	113	11	that	that	SCONJ
fsr-3442	113	12	about	about	ADP
fsr-3442	113	13	over	over	ADP
fsr-3442	113	14	one	one	NUM
fsr-3442	113	15	in	in	ADP
fsr-3442	113	16	four	four	NUM
fsr-3442	113	17	of	of	ADP
fsr-3442	113	18	today	today	NOUN
fsr-3442	113	19	’s	’s	PART
fsr-3442	113	20	20	20	NUM
fsr-3442	113	21	year	year	NOUN
fsr-3442	113	22	-	-	PUNCT
fsr-3442	113	23	olds	old	NOUN
fsr-3442	113	24	will	will	AUX
fsr-3442	113	25	become	become	VERB
fsr-3442	113	26	disabled	disabled	ADJ
fsr-3442	113	27	before	before	ADP
fsr-3442	113	28	reaching	reach	VERB
fsr-3442	113	29	age	age	NOUN
fsr-3442	113	30	67	67	NUM
fsr-3442	113	31	(	(	PUNCT
fsr-3442	113	32	ssa	ssa	NOUN
fsr-3442	113	33	,	,	PUNCT
fsr-3442	113	34	2019	2019	NUM
fsr-3442	113	35	)	)	PUNCT
fsr-3442	113	36	(	(	PUNCT
fsr-3442	113	37	https://www.ssa.gov/pubs/en-0510029.pdf	https://www.ssa.gov/pubs/en-0510029.pdf	PROPN
fsr-3442	113	38	)	)	PUNCT
fsr-3442	113	39	.	.	PUNCT
fsr-3442	114	1	in	in	ADP
fsr-3442	114	2	addition	addition	NOUN
fsr-3442	114	3	,	,	PUNCT
fsr-3442	114	4	68	68	NUM
fsr-3442	114	5	%	%	NOUN
fsr-3442	114	6	of	of	ADP
fsr-3442	114	7	the	the	DET
fsr-3442	114	8	private	private	ADJ
fsr-3442	114	9	sector	sector	NOUN
fsr-3442	114	10	workforce	workforce	NOUN
fsr-3442	114	11	has	have	VERB
fsr-3442	114	12	no	no	DET
fsr-3442	114	13	long	long	ADJ
fsr-3442	114	14	-	-	PUNCT
fsr-3442	114	15	term	term	NOUN
fsr-3442	114	16	disability	disability	NOUN
fsr-3442	114	17	insurance	insurance	NOUN
fsr-3442	114	18	(	(	PUNCT
fsr-3442	114	19	ssa	ssa	NOUN
fsr-3442	114	20	,	,	PUNCT
fsr-3442	114	21	2019	2019	NUM
fsr-3442	114	22	)	)	PUNCT
fsr-3442	114	23	.	.	PUNCT
fsr-3442	115	1	because	because	SCONJ
fsr-3442	115	2	the	the	DET
fsr-3442	115	3	purpose	purpose	NOUN
fsr-3442	115	4	of	of	ADP
fsr-3442	115	5	disability	disability	NOUN
fsr-3442	115	6	insurance	insurance	NOUN
fsr-3442	115	7	is	be	AUX
fsr-3442	115	8	to	to	PART
fsr-3442	115	9	provide	provide	VERB
fsr-3442	115	10	substitute	substitute	ADJ
fsr-3442	115	11	income	income	NOUN
fsr-3442	115	12	to	to	ADP
fsr-3442	115	13	workers	worker	NOUN
fsr-3442	115	14	with	with	ADP
fsr-3442	115	15	disabilities	disability	NOUN
fsr-3442	115	16	,	,	PUNCT
fsr-3442	115	17	individuals	individual	NOUN
fsr-3442	115	18	need	need	VERB
fsr-3442	115	19	to	to	PART
fsr-3442	115	20	be	be	AUX
fsr-3442	115	21	covered	cover	VERB
fsr-3442	115	22	with	with	ADP
fsr-3442	115	23	disability	disability	NOUN
fsr-3442	115	24	insurance	insurance	NOUN
fsr-3442	115	25	if	if	SCONJ
fsr-3442	115	26	they	they	PRON
fsr-3442	115	27	are	be	AUX
fsr-3442	115	28	currently	currently	ADV
fsr-3442	115	29	working	work	VERB
fsr-3442	115	30	and	and	CCONJ
fsr-3442	115	31	should	should	AUX
fsr-3442	115	32	not	not	PART
fsr-3442	115	33	need	need	VERB
fsr-3442	115	34	coverage	coverage	NOUN
fsr-3442	115	35	if	if	SCONJ
fsr-3442	115	36	they	they	PRON
fsr-3442	115	37	have	have	AUX
fsr-3442	115	38	retired	retire	VERB
fsr-3442	115	39	.	.	PUNCT
fsr-3442	116	1	in	in	ADP
fsr-3442	116	2	addition	addition	NOUN
fsr-3442	116	3	to	to	ADP
fsr-3442	116	4	protecting	protect	VERB
fsr-3442	116	5	against	against	ADP
fsr-3442	116	6	health	health	NOUN
fsr-3442	116	7	issues	issue	NOUN
fsr-3442	116	8	,	,	PUNCT
fsr-3442	116	9	disability	disability	NOUN
fsr-3442	116	10	,	,	PUNCT
fsr-3442	116	11	and	and	CCONJ
fsr-3442	116	12	potential	potential	ADJ
fsr-3442	116	13	loss	loss	NOUN
fsr-3442	116	14	of	of	ADP
fsr-3442	116	15	life	life	NOUN
fsr-3442	116	16	—	—	PUNCT
fsr-3442	116	17	unexpected	unexpected	ADJ
fsr-3442	116	18	events	event	NOUN
fsr-3442	116	19	could	could	AUX
fsr-3442	116	20	also	also	ADV
fsr-3442	116	21	place	place	VERB
fsr-3442	116	22	households	household	NOUN
fsr-3442	116	23	into	into	ADP
fsr-3442	116	24	financial	financial	ADJ
fsr-3442	116	25	difficulties	difficulty	NOUN
fsr-3442	116	26	.	.	PUNCT
fsr-3442	117	1	setting	set	VERB
fsr-3442	117	2	aside	aside	ADP
fsr-3442	117	3	a	a	DET
fsr-3442	117	4	bucket	bucket	NOUN
fsr-3442	117	5	of	of	ADP
fsr-3442	117	6	money	money	NOUN
fsr-3442	117	7	to	to	PART
fsr-3442	117	8	prepare	prepare	VERB
fsr-3442	117	9	for	for	ADP
fsr-3442	117	10	rainy	rainy	ADJ
fsr-3442	117	11	days	day	NOUN
fsr-3442	117	12	is	be	AUX
fsr-3442	117	13	imperative	imperative	ADJ
fsr-3442	117	14	so	so	SCONJ
fsr-3442	117	15	households	household	NOUN
fsr-3442	117	16	do	do	AUX
fsr-3442	117	17	not	not	PART
fsr-3442	117	18	have	have	VERB
fsr-3442	117	19	to	to	PART
fsr-3442	117	20	sell	sell	VERB
fsr-3442	117	21	off	off	ADP
fsr-3442	117	22	their	their	PRON
fsr-3442	117	23	cars	car	NOUN
fsr-3442	117	24	,	,	PUNCT
fsr-3442	117	25	appliances	appliance	NOUN
fsr-3442	117	26	,	,	PUNCT
fsr-3442	117	27	and	and	CCONJ
fsr-3442	117	28	other	other	ADJ
fsr-3442	117	29	household	household	NOUN
fsr-3442	117	30	durables	durable	NOUN
fsr-3442	117	31	(	(	PUNCT
fsr-3442	117	32	huston	huston	PROPN
fsr-3442	117	33	&	&	CCONJ
fsr-3442	117	34	chang	chang	PROPN
fsr-3442	117	35	,	,	PUNCT
fsr-3442	117	36	1997	1997	NUM
fsr-3442	117	37	)	)	PUNCT
fsr-3442	117	38	.	.	PUNCT
fsr-3442	118	1	a	a	DET
fsr-3442	118	2	three	three	NUM
fsr-3442	118	3	-	-	PUNCT
fsr-3442	118	4	month	month	NOUN
fsr-3442	118	5	income	income	NOUN
fsr-3442	118	6	reserve	reserve	NOUN
fsr-3442	118	7	is	be	AUX
fsr-3442	118	8	used	use	VERB
fsr-3442	118	9	as	as	ADP
fsr-3442	118	10	an	an	DET
fsr-3442	118	11	adequate	adequate	ADJ
fsr-3442	118	12	holding	holding	NOUN
fsr-3442	118	13	of	of	ADP
fsr-3442	118	14	an	an	DET
fsr-3442	118	15	emergency	emergency	NOUN
fsr-3442	118	16	fund	fund	NOUN
fsr-3442	118	17	in	in	ADP
fsr-3442	118	18	household	household	NOUN
fsr-3442	118	19	emergency	emergency	NOUN
fsr-3442	118	20	fund	fund	NOUN
fsr-3442	118	21	research	research	NOUN
fsr-3442	118	22	(	(	PUNCT
fsr-3442	118	23	chang	chang	PROPN
fsr-3442	118	24	&	&	CCONJ
fsr-3442	118	25	huston	huston	PROPN
fsr-3442	118	26	,	,	PUNCT
fsr-3442	118	27	1995	1995	NUM
fsr-3442	118	28	;	;	PUNCT
fsr-3442	118	29	huston	huston	PROPN
fsr-3442	118	30	&	&	CCONJ
fsr-3442	118	31	chang	chang	PROPN
fsr-3442	118	32	,	,	PUNCT
fsr-3442	118	33	1997	1997	NUM
fsr-3442	118	34	)	)	PUNCT
fsr-3442	118	35	.	.	PUNCT
fsr-3442	119	1	2.2	2.2	NUM
fsr-3442	119	2	.	.	PUNCT
fsr-3442	119	3	financial	financial	ADJ
fsr-3442	119	4	technology	technology	NOUN
fsr-3442	119	5	electronic	electronic	ADJ
fsr-3442	119	6	banking	banking	NOUN
fsr-3442	119	7	technologies	technology	NOUN
fsr-3442	119	8	include	include	VERB
fsr-3442	119	9	atm	atm	PROPN
fsr-3442	119	10	,	,	PUNCT
fsr-3442	119	11	online	online	ADJ
fsr-3442	119	12	banking	banking	NOUN
fsr-3442	119	13	,	,	PUNCT
fsr-3442	119	14	debit	debit	NOUN
fsr-3442	119	15	(	(	PUNCT
fsr-3442	119	16	or	or	CCONJ
fsr-3442	119	17	check	check	NOUN
fsr-3442	119	18	)	)	PUNCT
fsr-3442	119	19	card	card	NOUN
fsr-3442	119	20	,	,	PUNCT
fsr-3442	119	21	direct	direct	ADJ
fsr-3442	119	22	deposit	deposit	NOUN
fsr-3442	119	23	,	,	PUNCT
fsr-3442	119	24	direct	direct	ADJ
fsr-3442	119	25	payment	payment	NOUN
fsr-3442	119	26	(	(	PUNCT
fsr-3442	119	27	also	also	ADV
fsr-3442	119	28	electronic	electronic	ADJ
fsr-3442	119	29	bill	bill	NOUN
fsr-3442	119	30	payment	payment	NOUN
fsr-3442	119	31	)	)	PUNCT
fsr-3442	119	32	,	,	PUNCT
fsr-3442	119	33	electronic	electronic	ADJ
fsr-3442	119	34	bill	bill	NOUN
fsr-3442	119	35	presentment	presentment	NOUN
fsr-3442	119	36	and	and	CCONJ
fsr-3442	119	37	payment	payment	NOUN
fsr-3442	119	38	(	(	PUNCT
fsr-3442	119	39	ebpp	ebpp	PROPN
fsr-3442	119	40	)	)	PUNCT
fsr-3442	119	41	,	,	PUNCT
fsr-3442	119	42	electronic	electronic	ADJ
fsr-3442	119	43	check	check	NOUN
fsr-3442	119	44	conversion	conversion	NOUN
fsr-3442	119	45	,	,	PUNCT
fsr-3442	119	46	electronic	electronic	ADJ
fsr-3442	119	47	fund	fund	NOUN
fsr-3442	119	48	transfer	transfer	NOUN
fsr-3442	119	49	(	(	PUNCT
fsr-3442	119	50	eft	eft	PROPN
fsr-3442	119	51	)	)	PUNCT
fsr-3442	119	52	,	,	PUNCT
fsr-3442	119	53	payroll	payroll	NOUN
fsr-3442	119	54	card	card	NOUN
fsr-3442	119	55	,	,	PUNCT
fsr-3442	119	56	preauthorized	preauthorized	ADJ
fsr-3442	119	57	debit	debit	NOUN
fsr-3442	119	58	(	(	PUNCT
fsr-3442	119	59	or	or	CCONJ
fsr-3442	119	60	automatic	automatic	ADJ
fsr-3442	119	61	bill	bill	NOUN
fsr-3442	119	62	payment	payment	NOUN
fsr-3442	119	63	)	)	PUNCT
fsr-3442	119	64	,	,	PUNCT
fsr-3442	119	65	prepaid	prepaid	ADJ
fsr-3442	119	66	card	card	NOUN
fsr-3442	119	67	,	,	PUNCT
fsr-3442	119	68	smart	smart	ADJ
fsr-3442	119	69	card	card	NOUN
fsr-3442	119	70	,	,	PUNCT
fsr-3442	119	71	and	and	CCONJ
fsr-3442	119	72	stored	store	VERB
fsr-3442	119	73	-	-	PUNCT
fsr-3442	119	74	value	value	NOUN
fsr-3442	119	75	card	card	NOUN
fsr-3442	119	76	(	(	PUNCT
fsr-3442	119	77	anguelov	anguelov	NOUN
fsr-3442	119	78	,	,	PUNCT
fsr-3442	119	79	hilgert	hilgert	PROPN
fsr-3442	119	80	,	,	PUNCT
fsr-3442	119	81	&	&	CCONJ
fsr-3442	119	82	hogarth	hogarth	NOUN
fsr-3442	119	83	,	,	PUNCT
fsr-3442	119	84	2004	2004	NUM
fsr-3442	119	85	)	)	PUNCT
fsr-3442	119	86	.	.	PUNCT
fsr-3442	120	1	because	because	SCONJ
fsr-3442	120	2	the	the	DET
fsr-3442	120	3	diffusion	diffusion	NOUN
fsr-3442	120	4	of	of	ADP
fsr-3442	120	5	innovation	innovation	NOUN
fsr-3442	120	6	has	have	AUX
fsr-3442	120	7	not	not	PART
fsr-3442	120	8	been	be	AUX
fsr-3442	120	9	applied	apply	VERB
fsr-3442	120	10	to	to	ADP
fsr-3442	120	11	financial	financial	ADJ
fsr-3442	120	12	innovations	innovation	NOUN
fsr-3442	120	13	,	,	PUNCT
fsr-3442	120	14	the	the	DET
fsr-3442	120	15	current	current	ADJ
fsr-3442	120	16	understanding	understanding	NOUN
fsr-3442	120	17	of	of	ADP
fsr-3442	120	18	electronic	electronic	ADJ
fsr-3442	120	19	banking	banking	NOUN
fsr-3442	120	20	technology	technology	NOUN
fsr-3442	120	21	,	,	PUNCT
fsr-3442	120	22	such	such	ADJ
fsr-3442	120	23	as	as	ADP
fsr-3442	120	24	atm	atm	NOUN
fsr-3442	120	25	card	card	NOUN
fsr-3442	120	26	,	,	PUNCT
fsr-3442	120	27	debit	debit	NOUN
fsr-3442	120	28	card	card	NOUN
fsr-3442	120	29	,	,	PUNCT
fsr-3442	120	30	direct	direct	ADJ
fsr-3442	120	31	deposit	deposit	NOUN
fsr-3442	120	32	,	,	PUNCT
fsr-3442	120	33	and	and	CCONJ
fsr-3442	120	34	direct	direct	ADJ
fsr-3442	120	35	payment	payment	NOUN
fsr-3442	120	36	is	be	AUX
fsr-3442	120	37	very	very	ADV
fsr-3442	120	38	limited	limited	ADJ
fsr-3442	120	39	(	(	PUNCT
fsr-3442	120	40	lee	lee	PROPN
fsr-3442	120	41	&	&	CCONJ
fsr-3442	120	42	lee	lee	PROPN
fsr-3442	120	43	,	,	PUNCT
fsr-3442	120	44	2000	2000	NUM
fsr-3442	120	45	)	)	PUNCT
fsr-3442	120	46	.	.	PUNCT
fsr-3442	121	1	34	34	NUM
fsr-3442	121	2	q.	q.	PROPN
fsr-3442	121	3	bi	bi	PROPN
fsr-3442	121	4	et	et	PROPN
fsr-3442	121	5	al	al	PROPN
fsr-3442	121	6	.	.	PUNCT
fsr-3442	121	7	/	/	SYM
fsr-3442	121	8	financial	financial	ADJ
fsr-3442	121	9	services	service	NOUN
fsr-3442	121	10	review	review	VERB
fsr-3442	121	11	29	29	NUM
fsr-3442	121	12	(	(	PUNCT
fsr-3442	121	13	2021	2021	NUM
fsr-3442	121	14	)	)	PUNCT
fsr-3442	121	15	29–54	29–54	NUM
fsr-3442	121	16	anguelov	anguelov	NOUN
fsr-3442	121	17	,	,	PUNCT
fsr-3442	121	18	hilgert	hilgert	PROPN
fsr-3442	121	19	,	,	PUNCT
fsr-3442	121	20	and	and	CCONJ
fsr-3442	121	21	hogarth	hogarth	NOUN
fsr-3442	121	22	(	(	PUNCT
fsr-3442	121	23	2004	2004	NUM
fsr-3442	121	24	)	)	PUNCT
fsr-3442	121	25	use	use	VERB
fsr-3442	121	26	three	three	NUM
fsr-3442	121	27	specific	specific	ADJ
fsr-3442	121	28	technologies	technology	NOUN
fsr-3442	121	29	to	to	PART
fsr-3442	121	30	represent	represent	VERB
fsr-3442	121	31	different	different	ADJ
fsr-3442	121	32	types	type	NOUN
fsr-3442	121	33	of	of	ADP
fsr-3442	121	34	e	e	NOUN
fsr-3442	121	35	-	-	NOUN
fsr-3442	121	36	banking	banking	ADJ
fsr-3442	121	37	technologies	technology	NOUN
fsr-3442	121	38	at	at	ADP
fsr-3442	121	39	different	different	ADJ
fsr-3442	121	40	stages	stage	NOUN
fsr-3442	121	41	in	in	ADP
fsr-3442	121	42	their	their	PRON
fsr-3442	121	43	development	development	NOUN
fsr-3442	121	44	:	:	PUNCT
fsr-3442	121	45	debit	debit	NOUN
fsr-3442	121	46	cards	card	NOUN
fsr-3442	121	47	,	,	PUNCT
fsr-3442	121	48	preauthorized	preauthorized	ADJ
fsr-3442	121	49	debits	debit	NOUN
fsr-3442	121	50	,	,	PUNCT
fsr-3442	121	51	and	and	CCONJ
fsr-3442	121	52	electronic	electronic	ADJ
fsr-3442	121	53	banking	banking	NOUN
fsr-3442	121	54	.	.	PUNCT
fsr-3442	122	1	computer	computer	NOUN
fsr-3442	122	2	ownership	ownership	NOUN
fsr-3442	122	3	and	and	CCONJ
fsr-3442	122	4	internet	internet	NOUN
fsr-3442	122	5	access	access	NOUN
fsr-3442	122	6	are	be	AUX
fsr-3442	122	7	related	relate	VERB
fsr-3442	122	8	to	to	ADP
fsr-3442	122	9	the	the	DET
fsr-3442	122	10	adoption	adoption	NOUN
fsr-3442	122	11	of	of	ADP
fsr-3442	122	12	electronic	electronic	ADJ
fsr-3442	122	13	banking	banking	NOUN
fsr-3442	122	14	but	but	CCONJ
fsr-3442	122	15	many	many	ADJ
fsr-3442	122	16	studies	study	NOUN
fsr-3442	122	17	have	have	AUX
fsr-3442	122	18	been	be	AUX
fsr-3442	122	19	unable	unable	ADJ
fsr-3442	122	20	to	to	PART
fsr-3442	122	21	control	control	VERB
fsr-3442	122	22	for	for	ADP
fsr-3442	122	23	those	those	DET
fsr-3442	122	24	variables	variable	NOUN
fsr-3442	122	25	.	.	PUNCT
fsr-3442	123	1	consumers	consumer	NOUN
fsr-3442	123	2	’	'	PUNCT
fsr-3442	123	3	acceptance	acceptance	NOUN
fsr-3442	123	4	of	of	ADP
fsr-3442	123	5	technological	technological	ADJ
fsr-3442	123	6	innovations	innovation	NOUN
fsr-3442	123	7	is	be	AUX
fsr-3442	123	8	influenced	influence	VERB
fsr-3442	123	9	by	by	ADP
fsr-3442	123	10	socioeconomic	socioeconomic	ADJ
fsr-3442	123	11	characteristics	characteristic	NOUN
fsr-3442	123	12	,	,	PUNCT
fsr-3442	123	13	demographic	demographic	ADJ
fsr-3442	123	14	characteristics	characteristic	NOUN
fsr-3442	123	15	,	,	PUNCT
fsr-3442	123	16	perceptions	perception	NOUN
fsr-3442	123	17	of	of	ADP
fsr-3442	123	18	specific	specific	ADJ
fsr-3442	123	19	technologies	technology	NOUN
fsr-3442	123	20	,	,	PUNCT
fsr-3442	123	21	and	and	CCONJ
fsr-3442	123	22	the	the	DET
fsr-3442	123	23	characteristics	characteristic	NOUN
fsr-3442	123	24	of	of	ADP
fsr-3442	123	25	different	different	ADJ
fsr-3442	123	26	products	product	NOUN
fsr-3442	123	27	and	and	CCONJ
fsr-3442	123	28	services	service	NOUN
fsr-3442	123	29	.	.	PUNCT
fsr-3442	124	1	electronic	electronic	ADJ
fsr-3442	124	2	banking	banking	NOUN
fsr-3442	124	3	technologies	technology	NOUN
fsr-3442	124	4	can	can	AUX
fsr-3442	124	5	be	be	AUX
fsr-3442	124	6	classified	classify	VERB
fsr-3442	124	7	as	as	ADP
fsr-3442	124	8	either	either	CCONJ
fsr-3442	124	9	“	"	PUNCT
fsr-3442	124	10	passive	passive	ADJ
fsr-3442	124	11	”	"	PUNCT
fsr-3442	124	12	or	or	CCONJ
fsr-3442	124	13	“	"	PUNCT
fsr-3442	124	14	active	active	ADJ
fsr-3442	124	15	”	"	PUNCT
fsr-3442	124	16	(	(	PUNCT
fsr-3442	124	17	kolodinsky	kolodinsky	PROPN
fsr-3442	124	18	,	,	PUNCT
fsr-3442	124	19	hogarth	hogarth	NOUN
fsr-3442	124	20	,	,	PUNCT
fsr-3442	124	21	&	&	CCONJ
fsr-3442	124	22	hilgert	hilgert	PROPN
fsr-3442	124	23	,	,	PUNCT
fsr-3442	124	24	2004	2004	NUM
fsr-3442	124	25	)	)	PUNCT
fsr-3442	124	26	.	.	PUNCT
fsr-3442	125	1	passive	passive	ADJ
fsr-3442	125	2	technologies	technology	NOUN
fsr-3442	125	3	(	(	PUNCT
fsr-3442	125	4	i.e.	i.e.	X
fsr-3442	125	5	,	,	PUNCT
fsr-3442	125	6	direct	direct	ADJ
fsr-3442	125	7	deposit	deposit	NOUN
fsr-3442	125	8	and	and	CCONJ
fsr-3442	125	9	preauthorized	preauthorized	ADJ
fsr-3442	125	10	debit	debit	NOUN
fsr-3442	125	11	)	)	PUNCT
fsr-3442	125	12	do	do	AUX
fsr-3442	125	13	not	not	PART
fsr-3442	125	14	require	require	VERB
fsr-3442	125	15	any	any	DET
fsr-3442	125	16	behavioral	behavioral	ADJ
fsr-3442	125	17	changes	change	NOUN
fsr-3442	125	18	or	or	CCONJ
fsr-3442	125	19	continuous	continuous	ADJ
fsr-3442	125	20	effort	effort	NOUN
fsr-3442	125	21	by	by	ADP
fsr-3442	125	22	the	the	DET
fsr-3442	125	23	consumer	consumer	NOUN
fsr-3442	125	24	so	so	SCONJ
fsr-3442	125	25	it	it	PRON
fsr-3442	125	26	is	be	AUX
fsr-3442	125	27	easier	easy	ADJ
fsr-3442	125	28	to	to	PART
fsr-3442	125	29	spread	spread	VERB
fsr-3442	125	30	.	.	PUNCT
fsr-3442	126	1	in	in	ADP
fsr-3442	126	2	contrast	contrast	NOUN
fsr-3442	126	3	,	,	PUNCT
fsr-3442	126	4	active	active	ADJ
fsr-3442	126	5	technologies	technology	NOUN
fsr-3442	126	6	(	(	PUNCT
fsr-3442	126	7	i.e.	i.e.	X
fsr-3442	126	8	,	,	PUNCT
fsr-3442	126	9	electronic	electronic	ADJ
fsr-3442	126	10	banking	banking	NOUN
fsr-3442	126	11	)	)	PUNCT
fsr-3442	126	12	require	require	VERB
fsr-3442	126	13	new	new	ADJ
fsr-3442	126	14	behaviors	behavior	NOUN
fsr-3442	126	15	or	or	CCONJ
fsr-3442	126	16	repeated	repeat	VERB
fsr-3442	126	17	effort	effort	NOUN
fsr-3442	126	18	so	so	SCONJ
fsr-3442	126	19	they	they	PRON
fsr-3442	126	20	are	be	AUX
fsr-3442	126	21	hard	hard	ADJ
fsr-3442	126	22	to	to	PART
fsr-3442	126	23	spread	spread	VERB
fsr-3442	126	24	(	(	PUNCT
fsr-3442	126	25	kolodinsky	kolodinsky	PROPN
fsr-3442	126	26	et	et	PROPN
fsr-3442	126	27	al	al	PROPN
fsr-3442	126	28	.	.	PROPN
fsr-3442	126	29	,	,	PUNCT
fsr-3442	126	30	2004	2004	NUM
fsr-3442	126	31	;	;	PUNCT
fsr-3442	126	32	servon	servon	PROPN
fsr-3442	126	33	&	&	CCONJ
fsr-3442	126	34	kaestner	kaestner	PROPN
fsr-3442	126	35	,	,	PUNCT
fsr-3442	126	36	2008	2008	NUM
fsr-3442	126	37	)	)	PUNCT
fsr-3442	126	38	.	.	PUNCT
fsr-3442	127	1	davis	davis	PROPN
fsr-3442	127	2	(	(	PUNCT
fsr-3442	127	3	1989	1989	NUM
fsr-3442	127	4	)	)	PUNCT
fsr-3442	127	5	created	create	VERB
fsr-3442	127	6	the	the	DET
fsr-3442	127	7	technology	technology	NOUN
fsr-3442	127	8	acceptance	acceptance	NOUN
fsr-3442	127	9	model	model	NOUN
fsr-3442	127	10	(	(	PUNCT
fsr-3442	127	11	tam	tam	PROPN
fsr-3442	127	12	)	)	PUNCT
fsr-3442	127	13	that	that	PRON
fsr-3442	127	14	shows	show	VERB
fsr-3442	127	15	that	that	SCONJ
fsr-3442	127	16	perceived	perceive	VERB
fsr-3442	127	17	usefulness	usefulness	NOUN
fsr-3442	127	18	and	and	CCONJ
fsr-3442	127	19	ease	ease	NOUN
fsr-3442	127	20	of	of	ADP
fsr-3442	127	21	use	use	NOUN
fsr-3442	127	22	are	be	AUX
fsr-3442	127	23	factors	factor	NOUN
fsr-3442	127	24	associated	associate	VERB
fsr-3442	127	25	with	with	ADP
fsr-3442	127	26	the	the	DET
fsr-3442	127	27	adoption	adoption	NOUN
fsr-3442	127	28	of	of	ADP
fsr-3442	127	29	a	a	DET
fsr-3442	127	30	system	system	NOUN
fsr-3442	127	31	.	.	PUNCT
fsr-3442	128	1	interconnections	interconnection	NOUN
fsr-3442	128	2	between	between	ADP
fsr-3442	128	3	technologies	technology	NOUN
fsr-3442	128	4	exist	exist	VERB
fsr-3442	128	5	because	because	SCONJ
fsr-3442	128	6	the	the	DET
fsr-3442	128	7	diffusion	diffusion	NOUN
fsr-3442	128	8	of	of	ADP
fsr-3442	128	9	any	any	DET
fsr-3442	128	10	technology	technology	NOUN
fsr-3442	128	11	is	be	AUX
fsr-3442	128	12	not	not	PART
fsr-3442	128	13	independent	independent	ADJ
fsr-3442	128	14	of	of	ADP
fsr-3442	128	15	the	the	DET
fsr-3442	128	16	diffusion	diffusion	NOUN
fsr-3442	128	17	of	of	ADP
fsr-3442	128	18	another	another	DET
fsr-3442	128	19	technology	technology	NOUN
fsr-3442	128	20	(	(	PUNCT
fsr-3442	128	21	stoneman	stoneman	PROPN
fsr-3442	128	22	&	&	CCONJ
fsr-3442	128	23	kwon	kwon	PROPN
fsr-3442	128	24	,	,	PUNCT
fsr-3442	128	25	1994	1994	NUM
fsr-3442	128	26	)	)	PUNCT
fsr-3442	128	27	.	.	PUNCT
fsr-3442	129	1	moreover	moreover	ADV
fsr-3442	129	2	,	,	PUNCT
fsr-3442	129	3	a	a	DET
fsr-3442	129	4	consumer	consumer	NOUN
fsr-3442	129	5	’s	’s	PART
fsr-3442	129	6	prior	prior	ADJ
fsr-3442	129	7	pattern	pattern	NOUN
fsr-3442	129	8	of	of	ADP
fsr-3442	129	9	adopting	adopt	VERB
fsr-3442	129	10	related	related	ADJ
fsr-3442	129	11	technology	technology	NOUN
fsr-3442	129	12	will	will	AUX
fsr-3442	129	13	affect	affect	VERB
fsr-3442	129	14	his	his	PRON
fsr-3442	129	15	or	or	CCONJ
fsr-3442	129	16	her	her	PRON
fsr-3442	129	17	willingness	willingness	NOUN
fsr-3442	129	18	to	to	PART
fsr-3442	129	19	adopt	adopt	VERB
fsr-3442	129	20	new	new	ADJ
fsr-3442	129	21	technology	technology	NOUN
fsr-3442	129	22	(	(	PUNCT
fsr-3442	129	23	bayus	bayu	VERB
fsr-3442	129	24	,	,	PUNCT
fsr-3442	129	25	1987	1987	NUM
fsr-3442	129	26	)	)	PUNCT
fsr-3442	129	27	.	.	PUNCT
fsr-3442	130	1	consumers	consumer	NOUN
fsr-3442	130	2	with	with	ADP
fsr-3442	130	3	good	good	ADJ
fsr-3442	130	4	knowledge	knowledge	NOUN
fsr-3442	130	5	of	of	ADP
fsr-3442	130	6	computers	computer	NOUN
fsr-3442	130	7	are	be	AUX
fsr-3442	130	8	generally	generally	ADV
fsr-3442	130	9	more	more	ADV
fsr-3442	130	10	likely	likely	ADJ
fsr-3442	130	11	to	to	PART
fsr-3442	130	12	engage	engage	VERB
fsr-3442	130	13	in	in	ADP
fsr-3442	130	14	electronic	electronic	ADJ
fsr-3442	130	15	banking	banking	NOUN
fsr-3442	130	16	usage	usage	NOUN
fsr-3442	130	17	.	.	PUNCT
fsr-3442	131	1	demographic	demographic	ADJ
fsr-3442	131	2	factors	factor	NOUN
fsr-3442	131	3	such	such	ADJ
fsr-3442	131	4	as	as	ADP
fsr-3442	131	5	age	age	NOUN
fsr-3442	131	6	,	,	PUNCT
fsr-3442	131	7	income	income	NOUN
fsr-3442	131	8	,	,	PUNCT
fsr-3442	131	9	education	education	NOUN
fsr-3442	131	10	,	,	PUNCT
fsr-3442	131	11	occupation	occupation	NOUN
fsr-3442	131	12	are	be	AUX
fsr-3442	131	13	significant	significant	ADJ
fsr-3442	131	14	factors	factor	NOUN
fsr-3442	131	15	for	for	ADP
fsr-3442	131	16	internet	internet	NOUN
fsr-3442	131	17	banking	banking	NOUN
fsr-3442	131	18	adoption	adoption	NOUN
fsr-3442	131	19	as	as	ADV
fsr-3442	131	20	well	well	ADV
fsr-3442	131	21	(	(	PUNCT
fsr-3442	131	22	kim	kim	PROPN
fsr-3442	131	23	et	et	PROPN
fsr-3442	131	24	al	al	PROPN
fsr-3442	131	25	.	.	PROPN
fsr-3442	131	26	,	,	PUNCT
fsr-3442	131	27	2005	2005	NUM
fsr-3442	131	28	)	)	PUNCT
fsr-3442	131	29	.	.	PUNCT
fsr-3442	132	1	when	when	SCONJ
fsr-3442	132	2	relating	relate	VERB
fsr-3442	132	3	financial	financial	ADJ
fsr-3442	132	4	technology	technology	NOUN
fsr-3442	132	5	to	to	ADP
fsr-3442	132	6	financial	financial	ADJ
fsr-3442	132	7	behaviors	behavior	NOUN
fsr-3442	132	8	,	,	PUNCT
fsr-3442	132	9	we	we	PRON
fsr-3442	132	10	can	can	AUX
fsr-3442	132	11	categorize	categorize	VERB
fsr-3442	132	12	financial	financial	ADJ
fsr-3442	132	13	technologies	technology	NOUN
fsr-3442	132	14	into	into	ADP
fsr-3442	132	15	two	two	NUM
fsr-3442	132	16	main	main	ADJ
fsr-3442	132	17	functions	function	NOUN
fsr-3442	132	18	—	—	PUNCT
fsr-3442	132	19	technologies	technology	NOUN
fsr-3442	132	20	that	that	PRON
fsr-3442	132	21	are	be	AUX
fsr-3442	132	22	fundamentally	fundamentally	ADV
fsr-3442	132	23	transactional	transactional	ADJ
fsr-3442	132	24	and	and	CCONJ
fsr-3442	132	25	technologies	technology	NOUN
fsr-3442	132	26	that	that	PRON
fsr-3442	132	27	aid	aid	VERB
fsr-3442	132	28	in	in	ADP
fsr-3442	132	29	planning	planning	NOUN
fsr-3442	132	30	.	.	PUNCT
fsr-3442	133	1	transaction	transaction	NOUN
fsr-3442	133	2	-	-	PUNCT
fsr-3442	133	3	based	base	VERB
fsr-3442	133	4	technologies	technology	NOUN
fsr-3442	133	5	include	include	VERB
fsr-3442	133	6	atm	atm	ADJ
fsr-3442	133	7	cards	card	NOUN
fsr-3442	133	8	,	,	PUNCT
fsr-3442	133	9	credit	credit	NOUN
fsr-3442	133	10	cards	card	NOUN
fsr-3442	133	11	,	,	PUNCT
fsr-3442	133	12	phone	phone	NOUN
fsr-3442	133	13	,	,	PUNCT
fsr-3442	133	14	and	and	CCONJ
fsr-3442	133	15	electronic	electronic	ADJ
fsr-3442	133	16	banking	banking	NOUN
fsr-3442	133	17	.	.	PUNCT
fsr-3442	134	1	households	household	NOUN
fsr-3442	134	2	use	use	VERB
fsr-3442	134	3	an	an	DET
fsr-3442	134	4	atm	atm	ADJ
fsr-3442	134	5	card	card	NOUN
fsr-3442	134	6	to	to	PART
fsr-3442	134	7	access	access	VERB
fsr-3442	134	8	their	their	PRON
fsr-3442	134	9	bank	bank	NOUN
fsr-3442	134	10	account	account	NOUN
fsr-3442	134	11	at	at	ADP
fsr-3442	134	12	an	an	DET
fsr-3442	134	13	electronic	electronic	ADJ
fsr-3442	134	14	terminal	terminal	NOUN
fsr-3442	134	15	without	without	ADP
fsr-3442	134	16	the	the	DET
fsr-3442	134	17	limitations	limitation	NOUN
fsr-3442	134	18	of	of	ADP
fsr-3442	134	19	finding	find	VERB
fsr-3442	134	20	the	the	DET
fsr-3442	134	21	nearest	near	ADJ
fsr-3442	134	22	branch	branch	NOUN
fsr-3442	134	23	of	of	ADP
fsr-3442	134	24	their	their	PRON
fsr-3442	134	25	local	local	ADJ
fsr-3442	134	26	bank	bank	NOUN
fsr-3442	134	27	.	.	PUNCT
fsr-3442	135	1	this	this	PRON
fsr-3442	135	2	is	be	AUX
fsr-3442	135	3	especially	especially	ADV
fsr-3442	135	4	useful	useful	ADJ
fsr-3442	135	5	for	for	ADP
fsr-3442	135	6	transactions	transaction	NOUN
fsr-3442	135	7	when	when	SCONJ
fsr-3442	135	8	traveling	travel	VERB
fsr-3442	135	9	.	.	PUNCT
fsr-3442	136	1	it	it	PRON
fsr-3442	136	2	is	be	AUX
fsr-3442	136	3	more	more	ADV
fsr-3442	136	4	common	common	ADJ
fsr-3442	136	5	to	to	PART
fsr-3442	136	6	see	see	VERB
fsr-3442	136	7	consumers	consumer	NOUN
fsr-3442	136	8	use	use	VERB
fsr-3442	136	9	credit	credit	NOUN
fsr-3442	136	10	cards	card	NOUN
fsr-3442	136	11	to	to	PART
fsr-3442	136	12	complete	complete	VERB
fsr-3442	136	13	transactions	transaction	NOUN
fsr-3442	136	14	for	for	ADP
fsr-3442	136	15	online	online	ADJ
fsr-3442	136	16	purchases	purchase	NOUN
fsr-3442	136	17	now	now	ADV
fsr-3442	136	18	than	than	ADP
fsr-3442	136	19	50	50	NUM
fsr-3442	136	20	years	year	NOUN
fsr-3442	136	21	ago	ago	ADV
fsr-3442	136	22	.	.	PUNCT
fsr-3442	137	1	credit	credit	NOUN
fsr-3442	137	2	cards	card	NOUN
fsr-3442	137	3	make	make	VERB
fsr-3442	137	4	online	online	ADJ
fsr-3442	137	5	transactions	transaction	NOUN
fsr-3442	137	6	convenient	convenient	ADJ
fsr-3442	137	7	and	and	CCONJ
fsr-3442	137	8	safe	safe	ADJ
fsr-3442	137	9	by	by	ADP
fsr-3442	137	10	allowing	allow	VERB
fsr-3442	137	11	households	household	NOUN
fsr-3442	137	12	to	to	PART
fsr-3442	137	13	set	set	VERB
fsr-3442	137	14	up	up	ADP
fsr-3442	137	15	transaction	transaction	NOUN
fsr-3442	137	16	alerts	alert	NOUN
fsr-3442	137	17	on	on	ADP
fsr-3442	137	18	their	their	PRON
fsr-3442	137	19	mobile	mobile	ADJ
fsr-3442	137	20	device	device	NOUN
fsr-3442	137	21	and	and	CCONJ
fsr-3442	137	22	monitor	monitor	VERB
fsr-3442	137	23	spending	spending	NOUN
fsr-3442	137	24	instantaneously	instantaneously	ADV
fsr-3442	137	25	.	.	PUNCT
fsr-3442	138	1	households	household	NOUN
fsr-3442	138	2	also	also	ADV
fsr-3442	138	3	use	use	VERB
fsr-3442	138	4	preauthorized	preauthorized	ADJ
fsr-3442	138	5	debit	debit	NOUN
fsr-3442	138	6	to	to	PART
fsr-3442	138	7	set	set	VERB
fsr-3442	138	8	up	up	ADP
fsr-3442	138	9	electronic	electronic	ADJ
fsr-3442	138	10	auto	auto	NOUN
fsr-3442	138	11	-	-	PUNCT
fsr-3442	138	12	payments	payment	NOUN
fsr-3442	138	13	on	on	ADP
fsr-3442	138	14	loans	loan	NOUN
fsr-3442	138	15	.	.	PUNCT
fsr-3442	139	1	phone	phone	NOUN
fsr-3442	139	2	banking	banking	NOUN
fsr-3442	139	3	and	and	CCONJ
fsr-3442	139	4	electronic	electronic	ADJ
fsr-3442	139	5	banking	banking	NOUN
fsr-3442	139	6	provides	provide	VERB
fsr-3442	139	7	24/7	24/7	NUM
fsr-3442	139	8	financial	financial	ADJ
fsr-3442	139	9	service	service	NOUN
fsr-3442	139	10	with	with	ADP
fsr-3442	139	11	almost	almost	ADV
fsr-3442	139	12	no	no	PRON
fsr-3442	139	13	cost	cost	NOUN
fsr-3442	139	14	.	.	PUNCT
fsr-3442	140	1	using	use	VERB
fsr-3442	140	2	these	these	DET
fsr-3442	140	3	e	e	NOUN
fsr-3442	140	4	-	-	ADJ
fsr-3442	140	5	banking	banking	ADJ
fsr-3442	140	6	technologies	technology	NOUN
fsr-3442	140	7	,	,	PUNCT
fsr-3442	140	8	households	household	NOUN
fsr-3442	140	9	can	can	AUX
fsr-3442	140	10	access	access	VERB
fsr-3442	140	11	their	their	PRON
fsr-3442	140	12	account	account	NOUN
fsr-3442	140	13	information	information	NOUN
fsr-3442	140	14	with	with	ADP
fsr-3442	140	15	little	little	ADJ
fsr-3442	140	16	or	or	CCONJ
fsr-3442	140	17	no	no	PRON
fsr-3442	140	18	cost	cost	NOUN
fsr-3442	140	19	and	and	CCONJ
fsr-3442	140	20	conduct	conduct	VERB
fsr-3442	140	21	financial	financial	ADJ
fsr-3442	140	22	transactions	transaction	NOUN
fsr-3442	140	23	conveniently	conveniently	ADV
fsr-3442	140	24	(	(	PUNCT
fsr-3442	140	25	lee	lee	PROPN
fsr-3442	140	26	&	&	CCONJ
fsr-3442	140	27	lee	lee	PROPN
fsr-3442	140	28	,	,	PUNCT
fsr-3442	140	29	2001	2001	NUM
fsr-3442	140	30	)	)	PUNCT
fsr-3442	140	31	.	.	PUNCT
fsr-3442	141	1	another	another	DET
fsr-3442	141	2	important	important	ADJ
fsr-3442	141	3	reason	reason	NOUN
fsr-3442	141	4	for	for	ADP
fsr-3442	141	5	using	use	VERB
fsr-3442	141	6	financial	financial	ADJ
fsr-3442	141	7	technology	technology	NOUN
fsr-3442	141	8	is	be	AUX
fsr-3442	141	9	to	to	PART
fsr-3442	141	10	plan	plan	VERB
fsr-3442	141	11	for	for	ADP
fsr-3442	141	12	the	the	DET
fsr-3442	141	13	future	future	NOUN
fsr-3442	141	14	.	.	PUNCT
fsr-3442	142	1	research	research	NOUN
fsr-3442	142	2	finds	find	VERB
fsr-3442	142	3	that	that	SCONJ
fsr-3442	142	4	computer	computer	NOUN
fsr-3442	142	5	-	-	PUNCT
fsr-3442	142	6	based	base	VERB
fsr-3442	142	7	mediated	mediate	VERB
fsr-3442	142	8	interventions	intervention	NOUN
fsr-3442	142	9	contribute	contribute	VERB
fsr-3442	142	10	to	to	ADP
fsr-3442	142	11	a	a	DET
fsr-3442	142	12	variety	variety	NOUN
fsr-3442	142	13	of	of	ADP
fsr-3442	142	14	behavior	behavior	NOUN
fsr-3442	142	15	changes	change	NOUN
fsr-3442	142	16	.	.	PUNCT
fsr-3442	143	1	behavioral	behavioral	ADJ
fsr-3442	143	2	modification	modification	NOUN
fsr-3442	143	3	strategies	strategy	NOUN
fsr-3442	143	4	include	include	VERB
fsr-3442	143	5	self	self	NOUN
fsr-3442	143	6	-	-	PUNCT
fsr-3442	143	7	monitoring	monitoring	NOUN
fsr-3442	143	8	,	,	PUNCT
fsr-3442	143	9	goal	goal	NOUN
fsr-3442	143	10	-	-	PUNCT
fsr-3442	143	11	setting	setting	NOUN
fsr-3442	143	12	,	,	PUNCT
fsr-3442	143	13	shaping	shaping	NOUN
fsr-3442	143	14	,	,	PUNCT
fsr-3442	143	15	reinforcement	reinforcement	NOUN
fsr-3442	143	16	,	,	PUNCT
fsr-3442	143	17	and	and	CCONJ
fsr-3442	143	18	stimulus	stimulus	ADJ
fsr-3442	143	19	control	control	NOUN
fsr-3442	143	20	(	(	PUNCT
fsr-3442	143	21	butryn	butryn	PROPN
fsr-3442	143	22	,	,	PUNCT
fsr-3442	143	23	webb	webb	PROPN
fsr-3442	143	24	,	,	PUNCT
fsr-3442	143	25	&	&	CCONJ
fsr-3442	143	26	wadden	wadden	PROPN
fsr-3442	143	27	,	,	PUNCT
fsr-3442	143	28	2011	2011	NUM
fsr-3442	143	29	)	)	PUNCT
fsr-3442	143	30	.	.	PUNCT
fsr-3442	144	1	the	the	DET
fsr-3442	144	2	very	very	ADJ
fsr-3442	144	3	act	act	NOUN
fsr-3442	144	4	of	of	ADP
fsr-3442	144	5	monitoring	monitor	VERB
fsr-3442	144	6	progress	progress	NOUN
fsr-3442	144	7	towards	towards	ADP
fsr-3442	144	8	goals	goal	NOUN
fsr-3442	144	9	has	have	AUX
fsr-3442	144	10	demonstrated	demonstrate	VERB
fsr-3442	144	11	evidence	evidence	NOUN
fsr-3442	144	12	of	of	ADP
fsr-3442	144	13	significant	significant	ADJ
fsr-3442	144	14	improvement	improvement	NOUN
fsr-3442	144	15	towards	towards	ADP
fsr-3442	144	16	behavioral	behavioral	ADJ
fsr-3442	144	17	changes	change	NOUN
fsr-3442	144	18	and	and	CCONJ
fsr-3442	144	19	the	the	DET
fsr-3442	144	20	actual	actual	ADJ
fsr-3442	144	21	outputs	output	NOUN
fsr-3442	144	22	desired	desire	VERB
fsr-3442	144	23	(	(	PUNCT
fsr-3442	144	24	harkin	harkin	X
fsr-3442	144	25	et	et	PROPN
fsr-3442	144	26	al	al	PROPN
fsr-3442	144	27	.	.	PROPN
fsr-3442	144	28	,	,	PUNCT
fsr-3442	144	29	2016	2016	NUM
fsr-3442	144	30	)	)	PUNCT
fsr-3442	144	31	.	.	PUNCT
fsr-3442	145	1	household	household	NOUN
fsr-3442	145	2	finance	finance	NOUN
fsr-3442	145	3	-	-	PUNCT
fsr-3442	145	4	related	relate	VERB
fsr-3442	145	5	computer	computer	NOUN
fsr-3442	145	6	software	software	NOUN
fsr-3442	145	7	can	can	AUX
fsr-3442	145	8	help	help	VERB
fsr-3442	145	9	households	household	NOUN
fsr-3442	145	10	make	make	VERB
fsr-3442	145	11	better	well	ADJ
fsr-3442	145	12	financial	financial	ADJ
fsr-3442	145	13	decisions	decision	NOUN
fsr-3442	145	14	by	by	ADP
fsr-3442	145	15	providing	provide	VERB
fsr-3442	145	16	financial	financial	ADJ
fsr-3442	145	17	knowledge	knowledge	NOUN
fsr-3442	145	18	and	and	CCONJ
fsr-3442	145	19	information	information	NOUN
fsr-3442	145	20	,	,	PUNCT
fsr-3442	145	21	enhancing	enhance	VERB
fsr-3442	145	22	numerical	numerical	ADJ
fsr-3442	145	23	ability	ability	NOUN
fsr-3442	145	24	on	on	ADP
fsr-3442	145	25	calculations	calculation	NOUN
fsr-3442	145	26	,	,	PUNCT
fsr-3442	145	27	and	and	CCONJ
fsr-3442	145	28	monitoring	monitor	VERB
fsr-3442	145	29	finance	finance	NOUN
fsr-3442	145	30	on	on	ADP
fsr-3442	145	31	a	a	DET
fsr-3442	145	32	regular	regular	ADJ
fsr-3442	145	33	basis	basis	NOUN
fsr-3442	145	34	.	.	PUNCT
fsr-3442	146	1	governments	government	NOUN
fsr-3442	146	2	and	and	CCONJ
fsr-3442	146	3	organizations	organization	NOUN
fsr-3442	146	4	use	use	VERB
fsr-3442	146	5	direct	direct	ADJ
fsr-3442	146	6	deposit	deposit	NOUN
fsr-3442	146	7	as	as	ADP
fsr-3442	146	8	the	the	DET
fsr-3442	146	9	preferred	preferred	ADJ
fsr-3442	146	10	way	way	NOUN
fsr-3442	146	11	to	to	PART
fsr-3442	146	12	make	make	VERB
fsr-3442	146	13	reimbursements	reimbursement	NOUN
fsr-3442	146	14	and	and	CCONJ
fsr-3442	146	15	distributions	distribution	NOUN
fsr-3442	146	16	on	on	ADP
fsr-3442	146	17	salaries	salary	NOUN
fsr-3442	146	18	.	.	PUNCT
fsr-3442	147	1	households	household	NOUN
fsr-3442	147	2	who	who	PRON
fsr-3442	147	3	q.	q.	VERB
fsr-3442	147	4	bi	bi	PROPN
fsr-3442	147	5	et	et	PROPN
fsr-3442	147	6	al	al	PROPN
fsr-3442	147	7	.	.	PUNCT
fsr-3442	147	8	/	/	SYM
fsr-3442	147	9	financial	financial	ADJ
fsr-3442	147	10	services	service	NOUN
fsr-3442	147	11	review	review	VERB
fsr-3442	147	12	29	29	NUM
fsr-3442	147	13	(	(	PUNCT
fsr-3442	147	14	2021	2021	NUM
fsr-3442	147	15	)	)	PUNCT
fsr-3442	147	16	29–54	29–54	NUM
fsr-3442	147	17	35	35	NUM
fsr-3442	147	18	use	use	NOUN
fsr-3442	147	19	preauthorized	preauthorized	ADJ
fsr-3442	147	20	debit	debit	NOUN
fsr-3442	147	21	and	and	CCONJ
fsr-3442	147	22	direct	direct	ADJ
fsr-3442	147	23	deposit	deposit	NOUN
fsr-3442	147	24	are	be	AUX
fsr-3442	147	25	trying	try	VERB
fsr-3442	147	26	to	to	PART
fsr-3442	147	27	simplify	simplify	VERB
fsr-3442	147	28	their	their	PRON
fsr-3442	147	29	financial	financial	ADJ
fsr-3442	147	30	management	management	NOUN
fsr-3442	147	31	,	,	PUNCT
fsr-3442	147	32	and	and	CCONJ
fsr-3442	147	33	automate	automate	VERB
fsr-3442	147	34	their	their	PRON
fsr-3442	147	35	savings	saving	NOUN
fsr-3442	147	36	for	for	ADP
fsr-3442	147	37	the	the	DET
fsr-3442	147	38	future	future	NOUN
fsr-3442	147	39	.	.	PUNCT
fsr-3442	148	1	the	the	DET
fsr-3442	148	2	conceptual	conceptual	ADJ
fsr-3442	148	3	framework	framework	NOUN
fsr-3442	148	4	used	use	VERB
fsr-3442	148	5	for	for	ADP
fsr-3442	148	6	this	this	DET
fsr-3442	148	7	study	study	NOUN
fsr-3442	148	8	builds	build	VERB
fsr-3442	148	9	upon	upon	SCONJ
fsr-3442	148	10	life	life	NOUN
fsr-3442	148	11	cycle	cycle	NOUN
fsr-3442	148	12	theory	theory	NOUN
fsr-3442	148	13	(	(	PUNCT
fsr-3442	148	14	modigliani	modigliani	PROPN
fsr-3442	148	15	&	&	CCONJ
fsr-3442	148	16	brumberg	brumberg	PROPN
fsr-3442	148	17	,	,	PUNCT
fsr-3442	148	18	1954	1954	NUM
fsr-3442	148	19	)	)	PUNCT
fsr-3442	148	20	and	and	CCONJ
fsr-3442	148	21	human	human	ADJ
fsr-3442	148	22	capital	capital	NOUN
fsr-3442	148	23	theory	theory	NOUN
fsr-3442	148	24	(	(	PUNCT
fsr-3442	148	25	becker	becker	PROPN
fsr-3442	148	26	&	&	CCONJ
fsr-3442	148	27	tomes	tomes	PROPN
fsr-3442	148	28	,	,	PUNCT
fsr-3442	148	29	1994	1994	NUM
fsr-3442	148	30	)	)	PUNCT
fsr-3442	148	31	.	.	PUNCT
fsr-3442	149	1	according	accord	VERB
fsr-3442	149	2	to	to	ADP
fsr-3442	149	3	the	the	DET
fsr-3442	149	4	life	life	NOUN
fsr-3442	149	5	cycle	cycle	NOUN
fsr-3442	149	6	theory	theory	NOUN
fsr-3442	149	7	,	,	PUNCT
fsr-3442	149	8	an	an	DET
fsr-3442	149	9	individuals	individual	NOUN
fsr-3442	149	10	’	'	PUNCT
fsr-3442	149	11	objective	objective	NOUN
fsr-3442	149	12	is	be	AUX
fsr-3442	149	13	to	to	PART
fsr-3442	149	14	maximize	maximize	VERB
fsr-3442	149	15	lifetime	lifetime	NOUN
fsr-3442	149	16	utility	utility	NOUN
fsr-3442	149	17	.	.	PUNCT
fsr-3442	150	1	individuals	individual	NOUN
fsr-3442	150	2	try	try	VERB
fsr-3442	150	3	to	to	PART
fsr-3442	150	4	achieve	achieve	VERB
fsr-3442	150	5	higher	high	ADJ
fsr-3442	150	6	lifetime	lifetime	NOUN
fsr-3442	150	7	utility	utility	NOUN
fsr-3442	150	8	through	through	ADP
fsr-3442	150	9	improved	improve	VERB
fsr-3442	150	10	financial	financial	ADJ
fsr-3442	150	11	well	well	NOUN
fsr-3442	150	12	-	-	PUNCT
fsr-3442	150	13	being	being	NOUN
fsr-3442	150	14	.	.	PUNCT
fsr-3442	151	1	in	in	ADP
fsr-3442	151	2	our	our	PRON
fsr-3442	151	3	article	article	NOUN
fsr-3442	151	4	,	,	PUNCT
fsr-3442	151	5	we	we	PRON
fsr-3442	151	6	measure	measure	VERB
fsr-3442	151	7	household	household	NOUN
fsr-3442	151	8	financial	financial	ADJ
fsr-3442	151	9	well	well	ADV
fsr-3442	151	10	-	-	PUNCT
fsr-3442	151	11	being	be	AUX
fsr-3442	151	12	through	through	ADP
fsr-3442	151	13	positive	positive	ADJ
fsr-3442	151	14	financial	financial	ADJ
fsr-3442	151	15	behaviors	behavior	NOUN
fsr-3442	151	16	regarding	regard	VERB
fsr-3442	151	17	debt	debt	NOUN
fsr-3442	151	18	management	management	NOUN
fsr-3442	151	19	,	,	PUNCT
fsr-3442	151	20	planning	planning	NOUN
fsr-3442	151	21	activities	activity	NOUN
fsr-3442	151	22	,	,	PUNCT
fsr-3442	151	23	and	and	CCONJ
fsr-3442	151	24	risk	risk	NOUN
fsr-3442	151	25	management	management	NOUN
fsr-3442	151	26	.	.	PUNCT
fsr-3442	152	1	the	the	DET
fsr-3442	152	2	positive	positive	ADJ
fsr-3442	152	3	financial	financial	ADJ
fsr-3442	152	4	behavior	behavior	NOUN
fsr-3442	152	5	(	(	PUNCT
fsr-3442	152	6	pfb	pfb	NOUN
fsr-3442	152	7	)	)	PUNCT
fsr-3442	152	8	index	index	NOUN
fsr-3442	152	9	in	in	ADP
fsr-3442	152	10	fig	fig	NOUN
fsr-3442	152	11	.	.	PUNCT
fsr-3442	153	1	1	1	NUM
fsr-3442	153	2	is	be	AUX
fsr-3442	153	3	a	a	DET
fsr-3442	153	4	set	set	NOUN
fsr-3442	153	5	of	of	ADP
fsr-3442	153	6	household	household	NOUN
fsr-3442	153	7	financial	financial	ADJ
fsr-3442	153	8	behaviors	behavior	NOUN
fsr-3442	153	9	that	that	PRON
fsr-3442	153	10	will	will	AUX
fsr-3442	153	11	lead	lead	VERB
fsr-3442	153	12	to	to	ADP
fsr-3442	153	13	positive	positive	ADJ
fsr-3442	153	14	financial	financial	ADJ
fsr-3442	153	15	outcomes	outcome	NOUN
fsr-3442	153	16	.	.	PUNCT
fsr-3442	154	1	household	household	NOUN
fsr-3442	154	2	financial	financial	ADJ
fsr-3442	154	3	behaviors	behavior	NOUN
fsr-3442	154	4	are	be	AUX
fsr-3442	154	5	affected	affect	VERB
fsr-3442	154	6	by	by	ADP
fsr-3442	154	7	household	household	NOUN
fsr-3442	154	8	human	human	ADJ
fsr-3442	154	9	capital	capital	NOUN
fsr-3442	154	10	,	,	PUNCT
fsr-3442	154	11	the	the	DET
fsr-3442	154	12	endowed	endow	VERB
fsr-3442	154	13	and	and	CCONJ
fsr-3442	154	14	acquired	acquire	VERB
fsr-3442	154	15	knowledge	knowledge	NOUN
fsr-3442	154	16	and	and	CCONJ
fsr-3442	154	17	skills	skill	NOUN
fsr-3442	154	18	a	a	DET
fsr-3442	154	19	household	household	NOUN
fsr-3442	154	20	has	have	VERB
fsr-3442	154	21	(	(	PUNCT
fsr-3442	154	22	huston	huston	PROPN
fsr-3442	154	23	,	,	PUNCT
fsr-3442	154	24	2010	2010	NUM
fsr-3442	154	25	)	)	PUNCT
fsr-3442	154	26	.	.	PUNCT
fsr-3442	155	1	following	follow	VERB
fsr-3442	155	2	previous	previous	ADJ
fsr-3442	155	3	studies	study	NOUN
fsr-3442	155	4	,	,	PUNCT
fsr-3442	155	5	we	we	PRON
fsr-3442	155	6	consider	consider	VERB
fsr-3442	155	7	two	two	NUM
fsr-3442	155	8	types	type	NOUN
fsr-3442	155	9	of	of	ADP
fsr-3442	155	10	household	household	NOUN
fsr-3442	155	11	human	human	ADJ
fsr-3442	155	12	capital	capital	NOUN
fsr-3442	155	13	:	:	PUNCT
fsr-3442	155	14	specific	specific	ADJ
fsr-3442	155	15	human	human	ADJ
fsr-3442	155	16	capital	capital	NOUN
fsr-3442	155	17	and	and	CCONJ
fsr-3442	155	18	general	general	ADJ
fsr-3442	155	19	human	human	ADJ
fsr-3442	155	20	capital	capital	NOUN
fsr-3442	155	21	(	(	PUNCT
fsr-3442	155	22	becker	becker	PROPN
fsr-3442	155	23	&	&	CCONJ
fsr-3442	155	24	tomes	tomes	PROPN
fsr-3442	155	25	,	,	PUNCT
fsr-3442	155	26	1994	1994	NUM
fsr-3442	155	27	)	)	PUNCT
fsr-3442	155	28	,	,	PUNCT
fsr-3442	155	29	as	as	SCONJ
fsr-3442	155	30	illustrated	illustrate	VERB
fsr-3442	155	31	in	in	ADP
fsr-3442	155	32	fig	fig	NOUN
fsr-3442	155	33	.	.	PUNCT
fsr-3442	156	1	1	1	NUM
fsr-3442	156	2	specific	specific	ADJ
fsr-3442	156	3	human	human	ADJ
fsr-3442	156	4	capital	capital	NOUN
fsr-3442	156	5	represents	represent	VERB
fsr-3442	156	6	knowledge	knowledge	NOUN
fsr-3442	156	7	and	and	CCONJ
fsr-3442	156	8	skills	skill	NOUN
fsr-3442	156	9	that	that	SCONJ
fsr-3442	156	10	a	a	DET
fsr-3442	156	11	household	household	NOUN
fsr-3442	156	12	has	have	VERB
fsr-3442	156	13	towards	towards	ADP
fsr-3442	156	14	specific	specific	ADJ
fsr-3442	156	15	areas	area	NOUN
fsr-3442	156	16	such	such	ADJ
fsr-3442	156	17	as	as	ADP
fsr-3442	156	18	financial	financial	ADJ
fsr-3442	156	19	technology	technology	NOUN
fsr-3442	156	20	and	and	CCONJ
fsr-3442	156	21	financial	financial	ADJ
fsr-3442	156	22	management	management	NOUN
fsr-3442	156	23	.	.	PUNCT
fsr-3442	157	1	specifically	specifically	ADV
fsr-3442	157	2	,	,	PUNCT
fsr-3442	157	3	financial	financial	ADJ
fsr-3442	157	4	technology	technology	NOUN
fsr-3442	157	5	indicates	indicate	VERB
fsr-3442	157	6	how	how	SCONJ
fsr-3442	157	7	well	well	ADV
fsr-3442	157	8	a	a	DET
fsr-3442	157	9	household	household	NOUN
fsr-3442	157	10	can	can	AUX
fsr-3442	157	11	understand	understand	VERB
fsr-3442	157	12	and	and	CCONJ
fsr-3442	157	13	potentially	potentially	ADV
fsr-3442	157	14	use	use	VERB
fsr-3442	157	15	technology	technology	NOUN
fsr-3442	157	16	-	-	PUNCT
fsr-3442	157	17	related	relate	VERB
fsr-3442	157	18	products	product	NOUN
fsr-3442	157	19	and	and	CCONJ
fsr-3442	157	20	services	service	NOUN
fsr-3442	157	21	to	to	PART
fsr-3442	157	22	increase	increase	VERB
fsr-3442	157	23	the	the	DET
fsr-3442	157	24	probability	probability	NOUN
fsr-3442	157	25	of	of	ADP
fsr-3442	157	26	increased	increase	VERB
fsr-3442	157	27	positive	positive	ADJ
fsr-3442	157	28	financial	financial	ADJ
fsr-3442	157	29	behaviors	behavior	NOUN
fsr-3442	157	30	.	.	PUNCT
fsr-3442	158	1	financial	financial	ADJ
fsr-3442	158	2	literacy	literacy	NOUN
fsr-3442	158	3	indicates	indicate	VERB
fsr-3442	158	4	how	how	SCONJ
fsr-3442	158	5	well	well	ADV
fsr-3442	158	6	an	an	DET
fsr-3442	158	7	individual	individual	NOUN
fsr-3442	158	8	can	can	AUX
fsr-3442	158	9	understand	understand	VERB
fsr-3442	158	10	and	and	CCONJ
fsr-3442	158	11	potentially	potentially	ADV
fsr-3442	158	12	use	use	VERB
fsr-3442	158	13	personal	personal	ADJ
fsr-3442	158	14	finance	finance	NOUN
fsr-3442	158	15	-	-	PUNCT
fsr-3442	158	16	related	relate	VERB
fsr-3442	158	17	information	information	NOUN
fsr-3442	158	18	to	to	PART
fsr-3442	158	19	increase	increase	VERB
fsr-3442	158	20	expected	expect	VERB
fsr-3442	158	21	lifetime	lifetime	NOUN
fsr-3442	158	22	utility	utility	NOUN
fsr-3442	158	23	from	from	ADP
fsr-3442	158	24	consumption	consumption	NOUN
fsr-3442	158	25	(	(	PUNCT
fsr-3442	158	26	huston	huston	PROPN
fsr-3442	158	27	,	,	PUNCT
fsr-3442	158	28	2010	2010	NUM
fsr-3442	158	29	)	)	PUNCT
fsr-3442	158	30	.	.	PUNCT
fsr-3442	159	1	in	in	ADP
fsr-3442	159	2	contrast	contrast	NOUN
fsr-3442	159	3	,	,	PUNCT
fsr-3442	159	4	general	general	ADJ
fsr-3442	159	5	household	household	NOUN
fsr-3442	159	6	capital	capital	NOUN
fsr-3442	159	7	represents	represent	VERB
fsr-3442	159	8	the	the	DET
fsr-3442	159	9	knowledge	knowledge	NOUN
fsr-3442	159	10	and	and	CCONJ
fsr-3442	159	11	skills	skill	NOUN
fsr-3442	159	12	that	that	SCONJ
fsr-3442	159	13	a	a	DET
fsr-3442	159	14	household	household	NOUN
fsr-3442	159	15	has	have	VERB
fsr-3442	159	16	and	and	CCONJ
fsr-3442	159	17	fig	fig	NOUN
fsr-3442	159	18	.	.	PUNCT
fsr-3442	160	1	1	1	X
fsr-3442	160	2	.	.	X
fsr-3442	160	3	household	household	NOUN
fsr-3442	160	4	financial	financial	ADJ
fsr-3442	160	5	behavior	behavior	NOUN
fsr-3442	160	6	conceptual	conceptual	ADJ
fsr-3442	160	7	framework	framework	NOUN
fsr-3442	160	8	.	.	PUNCT
fsr-3442	161	1	36	36	NUM
fsr-3442	161	2	q.	q.	PROPN
fsr-3442	161	3	bi	bi	PROPN
fsr-3442	161	4	et	et	PROPN
fsr-3442	161	5	al	al	PROPN
fsr-3442	161	6	.	.	PUNCT
fsr-3442	161	7	/	/	SYM
fsr-3442	161	8	financial	financial	ADJ
fsr-3442	161	9	services	service	NOUN
fsr-3442	161	10	review	review	VERB
fsr-3442	161	11	29	29	NUM
fsr-3442	161	12	(	(	PUNCT
fsr-3442	161	13	2021	2021	NUM
fsr-3442	161	14	)	)	PUNCT
fsr-3442	161	15	29–54	29–54	NUM
fsr-3442	161	16	could	could	AUX
fsr-3442	161	17	be	be	AUX
fsr-3442	161	18	used	use	VERB
fsr-3442	161	19	in	in	ADP
fsr-3442	161	20	many	many	ADJ
fsr-3442	161	21	areas	area	NOUN
fsr-3442	161	22	.	.	PUNCT
fsr-3442	162	1	for	for	ADP
fsr-3442	162	2	example	example	NOUN
fsr-3442	162	3	,	,	PUNCT
fsr-3442	162	4	households	household	NOUN
fsr-3442	162	5	who	who	PRON
fsr-3442	162	6	have	have	VERB
fsr-3442	162	7	more	more	ADJ
fsr-3442	162	8	education	education	NOUN
fsr-3442	162	9	are	be	AUX
fsr-3442	162	10	more	more	ADV
fsr-3442	162	11	likely	likely	ADJ
fsr-3442	162	12	to	to	PART
fsr-3442	162	13	perform	perform	VERB
fsr-3442	162	14	better	well	ADV
fsr-3442	162	15	in	in	ADP
fsr-3442	162	16	a	a	DET
fsr-3442	162	17	wide	wide	ADJ
fsr-3442	162	18	variety	variety	NOUN
fsr-3442	162	19	of	of	ADP
fsr-3442	162	20	tasks	task	NOUN
fsr-3442	162	21	.	.	PUNCT
fsr-3442	163	1	last	last	ADJ
fsr-3442	163	2	,	,	PUNCT
fsr-3442	163	3	household	household	NOUN
fsr-3442	163	4	financial	financial	ADJ
fsr-3442	163	5	behaviors	behavior	NOUN
fsr-3442	163	6	are	be	AUX
fsr-3442	163	7	also	also	ADV
fsr-3442	163	8	influenced	influence	VERB
fsr-3442	163	9	by	by	ADP
fsr-3442	163	10	other	other	ADJ
fsr-3442	163	11	factors	factor	NOUN
fsr-3442	163	12	such	such	ADJ
fsr-3442	163	13	as	as	ADP
fsr-3442	163	14	behavioral	behavioral	ADJ
fsr-3442	163	15	biases	bias	NOUN
fsr-3442	163	16	,	,	PUNCT
fsr-3442	163	17	self	self	NOUN
fsr-3442	163	18	-	-	PUNCT
fsr-3442	163	19	control	control	NOUN
fsr-3442	163	20	,	,	PUNCT
fsr-3442	163	21	family	family	NOUN
fsr-3442	163	22	,	,	PUNCT
fsr-3442	163	23	peer	peer	NOUN
fsr-3442	163	24	,	,	PUNCT
fsr-3442	163	25	cultural	cultural	ADJ
fsr-3442	163	26	,	,	PUNCT
fsr-3442	163	27	environmental	environmental	ADJ
fsr-3442	163	28	,	,	PUNCT
fsr-3442	163	29	and	and	CCONJ
fsr-3442	163	30	economic	economic	ADJ
fsr-3442	163	31	conditions	condition	NOUN
fsr-3442	163	32	(	(	PUNCT
fsr-3442	163	33	huston	huston	PROPN
fsr-3442	163	34	,	,	PUNCT
fsr-3442	163	35	2010	2010	NUM
fsr-3442	163	36	)	)	PUNCT
fsr-3442	163	37	.	.	PUNCT
fsr-3442	164	1	financial	financial	ADJ
fsr-3442	164	2	resources	resource	NOUN
fsr-3442	164	3	also	also	ADV
fsr-3442	164	4	impact	impact	VERB
fsr-3442	164	5	the	the	DET
fsr-3442	164	6	household	household	NOUN
fsr-3442	164	7	’s	’s	PART
fsr-3442	164	8	financial	financial	ADJ
fsr-3442	164	9	well	well	NOUN
fsr-3442	164	10	-	-	PUNCT
fsr-3442	164	11	being	being	NOUN
fsr-3442	164	12	.	.	PUNCT
fsr-3442	165	1	households	household	NOUN
fsr-3442	165	2	with	with	ADP
fsr-3442	165	3	more	more	ADV
fsr-3442	165	4	positive	positive	ADJ
fsr-3442	165	5	financial	financial	ADJ
fsr-3442	165	6	behaviors	behavior	NOUN
fsr-3442	165	7	are	be	AUX
fsr-3442	165	8	more	more	ADV
fsr-3442	165	9	likely	likely	ADJ
fsr-3442	165	10	to	to	PART
fsr-3442	165	11	have	have	VERB
fsr-3442	165	12	a	a	DET
fsr-3442	165	13	higher	high	ADJ
fsr-3442	165	14	level	level	NOUN
fsr-3442	165	15	of	of	ADP
fsr-3442	165	16	financial	financial	ADJ
fsr-3442	165	17	well	well	NOUN
fsr-3442	165	18	-	-	PUNCT
fsr-3442	165	19	being	being	NOUN
fsr-3442	165	20	,	,	PUNCT
fsr-3442	165	21	after	after	ADP
fsr-3442	165	22	controlling	control	VERB
fsr-3442	165	23	for	for	ADP
fsr-3442	165	24	financial	financial	ADJ
fsr-3442	165	25	resources	resource	NOUN
fsr-3442	165	26	and	and	CCONJ
fsr-3442	165	27	other	other	ADJ
fsr-3442	165	28	influences	influence	NOUN
fsr-3442	165	29	.	.	PUNCT
fsr-3442	166	1	based	base	VERB
fsr-3442	166	2	on	on	ADP
fsr-3442	166	3	our	our	PRON
fsr-3442	166	4	theoretical	theoretical	ADJ
fsr-3442	166	5	framework	framework	NOUN
fsr-3442	166	6	in	in	ADP
fsr-3442	166	7	fig	fig	NOUN
fsr-3442	166	8	.	.	PUNCT
fsr-3442	167	1	1	1	NUM
fsr-3442	167	2	,	,	PUNCT
fsr-3442	167	3	positive	positive	ADJ
fsr-3442	167	4	financial	financial	ADJ
fsr-3442	167	5	behavior	behavior	NOUN
fsr-3442	167	6	is	be	AUX
fsr-3442	167	7	a	a	DET
fsr-3442	167	8	function	function	NOUN
fsr-3442	167	9	of	of	ADP
fsr-3442	167	10	household	household	NOUN
fsr-3442	167	11	capital	capital	NOUN
fsr-3442	167	12	,	,	PUNCT
fsr-3442	167	13	cultural	cultural	ADJ
fsr-3442	167	14	/	/	SYM
fsr-3442	167	15	environmental	environmental	ADJ
fsr-3442	167	16	influences	influence	NOUN
fsr-3442	167	17	,	,	PUNCT
fsr-3442	167	18	economic	economic	ADJ
fsr-3442	167	19	status	status	NOUN
fsr-3442	167	20	:	:	PUNCT
fsr-3442	167	21	positive	positive	ADJ
fsr-3442	167	22	financial	financial	ADJ
fsr-3442	167	23	behaviour	behaviour	NOUN
fsr-3442	167	24	pfbð	pfbð	PROPN
fsr-3442	167	25	þ	þ	PROPN
fsr-3442	167	26	¼	¼	NOUN
fsr-3442	167	27	ffspecifichouseholdcapital	ffspecifichouseholdcapital	ADJ
fsr-3442	167	28	;	;	PUNCT
fsr-3442	167	29	generalhousehold	generalhousehold	ADJ
fsr-3442	167	30	capital	capital	NOUN
fsr-3442	167	31	;	;	PUNCT
fsr-3442	167	32	cultural=	cultural=	NUM
fsr-3442	167	33	environmental	environmental	ADJ
fsr-3442	167	34	influences	influence	NOUN
fsr-3442	167	35	;	;	PUNCT
fsr-3442	167	36	economic	economic	ADJ
fsr-3442	167	37	stat	stat	NOUN
fsr-3442	167	38	using	use	VERB
fsr-3442	167	39	this	this	DET
fsr-3442	167	40	conceptual	conceptual	ADJ
fsr-3442	167	41	framework	framework	NOUN
fsr-3442	167	42	,	,	PUNCT
fsr-3442	167	43	we	we	PRON
fsr-3442	167	44	test	test	VERB
fsr-3442	167	45	the	the	DET
fsr-3442	167	46	impact	impact	NOUN
fsr-3442	167	47	of	of	ADP
fsr-3442	167	48	specific	specific	ADJ
fsr-3442	167	49	household	household	NOUN
fsr-3442	167	50	capital	capital	NOUN
fsr-3442	167	51	(	(	PUNCT
fsr-3442	167	52	financial	financial	ADJ
fsr-3442	167	53	technology	technology	NOUN
fsr-3442	167	54	)	)	PUNCT
fsr-3442	167	55	on	on	ADP
fsr-3442	167	56	positive	positive	ADJ
fsr-3442	167	57	financial	financial	ADJ
fsr-3442	167	58	behaviors	behavior	NOUN
fsr-3442	167	59	,	,	PUNCT
fsr-3442	167	60	controlling	control	VERB
fsr-3442	167	61	for	for	ADP
fsr-3442	167	62	all	all	DET
fsr-3442	167	63	other	other	ADJ
fsr-3442	167	64	factors	factor	NOUN
fsr-3442	167	65	,	,	PUNCT
fsr-3442	167	66	using	use	VERB
fsr-3442	167	67	the	the	DET
fsr-3442	167	68	following	follow	VERB
fsr-3442	167	69	empirical	empirical	ADJ
fsr-3442	167	70	regression	regression	NOUN
fsr-3442	167	71	model	model	NOUN
fsr-3442	167	72	.	.	PUNCT
fsr-3442	168	1	pfb	pfb	PROPN
fsr-3442	168	2	=	=	SYM
fsr-3442	168	3	b	b	PROPN
fsr-3442	168	4	0	0	NUM
fsr-3442	168	5	+	+	CCONJ
fsr-3442	168	6	b	b	X
fsr-3442	168	7	1(specifichouseholdcapital	1(specifichouseholdcapital	NUM
fsr-3442	168	8	)	)	PUNCT
fsr-3442	169	1	+	+	CCONJ
fsr-3442	169	2	b	b	X
fsr-3442	169	3	2(generalhousehold	2(generalhousehold	NUM
fsr-3442	169	4	capital	capital	NOUN
fsr-3442	169	5	)	)	PUNCT
fsr-3442	170	1	+	+	CCONJ
fsr-3442	170	2	b	b	X
fsr-3442	170	3	3	3	NUM
fsr-3442	170	4	-	-	PUNCT
fsr-3442	170	5	6(financial	6(financial	ADJ
fsr-3442	170	6	sophistication	sophistication	NOUN
fsr-3442	170	7	level	level	NOUN
fsr-3442	170	8	)	)	PUNCT
fsr-3442	171	1	+	+	CCONJ
fsr-3442	171	2	b	b	X
fsr-3442	171	3	7(homeownership	7(homeownership	NUM
fsr-3442	171	4	)	)	PUNCT
fsr-3442	172	1	+	+	NUM
fsr-3442	172	2	b	b	X
fsr-3442	172	3	8	8	NUM
fsr-3442	172	4	-	-	PUNCT
fsr-3442	172	5	10(age	10(age	NOUN
fsr-3442	172	6	groups	group	NOUN
fsr-3442	172	7	)	)	PUNCT
fsr-3442	173	1	+	+	CCONJ
fsr-3442	173	2	b	b	X
fsr-3442	173	3	10	10	NUM
fsr-3442	173	4	-	-	PUNCT
fsr-3442	173	5	12(education	12(education	NUM
fsr-3442	173	6	level	level	NOUN
fsr-3442	173	7	)	)	PUNCT
fsr-3442	174	1	+	+	CCONJ
fsr-3442	175	1	b	b	NOUN
fsr-3442	175	2	13(married	13(married	NUM
fsr-3442	175	3	)	)	PUNCT
fsr-3442	176	1	+	+	CCONJ
fsr-3442	176	2	b	b	X
fsr-3442	176	3	14	14	NUM
fsr-3442	176	4	-	-	SYM
fsr-3442	176	5	17(income	17(income	NUM
fsr-3442	176	6	quintiles	quintile	NOUN
fsr-3442	176	7	)	)	PUNCT
fsr-3442	177	1	+	+	CCONJ
fsr-3442	177	2	b	b	X
fsr-3442	177	3	17	17	NUM
fsr-3442	177	4	-	-	SYM
fsr-3442	177	5	20	20	NUM
fsr-3442	177	6	(	(	PUNCT
fsr-3442	177	7	net	net	ADJ
fsr-3442	177	8	worth	worth	ADJ
fsr-3442	177	9	quintiles	quintile	NOUN
fsr-3442	177	10	)	)	PUNCT
fsr-3442	178	1	+	+	CCONJ
fsr-3442	178	2	b	b	X
fsr-3442	178	3	21	21	NUM
fsr-3442	178	4	-	-	SYM
fsr-3442	178	5	22(household	22(household	NUM
fsr-3442	178	6	size	size	NOUN
fsr-3442	178	7	)	)	PUNCT
fsr-3442	179	1	+	+	SYM
fsr-3442	179	2	b	b	X
fsr-3442	179	3	23(presence	23(presence	NUM
fsr-3442	179	4	of	of	ADP
fsr-3442	179	5	children	child	NOUN
fsr-3442	179	6	under	under	ADP
fsr-3442	179	7	18	18	NUM
fsr-3442	179	8	)	)	PUNCT
fsr-3442	180	1	+	+	CCONJ
fsr-3442	180	2	b	b	NOUN
fsr-3442	180	3	24(female	24(female	NUM
fsr-3442	180	4	)	)	PUNCT
fsr-3442	181	1	+	+	NUM
fsr-3442	181	2	b	b	X
fsr-3442	181	3	25	25	NUM
fsr-3442	181	4	-	-	PUNCT
fsr-3442	181	5	26(race	26(race	NUM
fsr-3442	181	6	groups	group	NOUN
fsr-3442	181	7	)	)	PUNCT
fsr-3442	182	1	+	+	CCONJ
fsr-3442	182	2	b	b	X
fsr-3442	182	3	27(economic	27(economic	NUM
fsr-3442	182	4	expectation	expectation	NOUN
fsr-3442	182	5	)	)	PUNCT
fsr-3442	183	1	+	+	PUNCT
fsr-3442	183	2	b	b	X
fsr-3442	183	3	28(interest	28(inter	ADJ
fsr-3442	183	4	rate	rate	NOUN
fsr-3442	183	5	expectation	expectation	NOUN
fsr-3442	183	6	)	)	PUNCT
fsr-3442	184	1	+	+	CCONJ
fsr-3442	184	2	b	b	X
fsr-3442	184	3	29	29	NUM
fsr-3442	184	4	-	-	PUNCT
fsr-3442	184	5	30(risk	30(risk	NUM
fsr-3442	184	6	tolerance	tolerance	NOUN
fsr-3442	184	7	)	)	PUNCT
fsr-3442	185	1	+	+	CCONJ
fsr-3442	185	2	e	e	X
fsr-3442	185	3	(	(	PUNCT
fsr-3442	185	4	2	2	NUM
fsr-3442	185	5	)	)	PUNCT
fsr-3442	185	6	.	.	PUNCT
fsr-3442	186	1	3	3	X
fsr-3442	186	2	.	.	X
fsr-3442	186	3	data	datum	NOUN
fsr-3442	186	4	and	and	CCONJ
fsr-3442	186	5	variables	variable	NOUN
fsr-3442	186	6	descriptions	description	NOUN
fsr-3442	186	7	this	this	DET
fsr-3442	186	8	study	study	NOUN
fsr-3442	186	9	uses	use	VERB
fsr-3442	186	10	data	datum	NOUN
fsr-3442	186	11	from	from	ADP
fsr-3442	186	12	the	the	DET
fsr-3442	186	13	2013	2013	NUM
fsr-3442	186	14	survey	survey	NOUN
fsr-3442	186	15	of	of	ADP
fsr-3442	186	16	consumer	consumer	NOUN
fsr-3442	186	17	finances	finance	NOUN
fsr-3442	186	18	(	(	PUNCT
fsr-3442	186	19	scf).2	scf).2	X
fsr-3442	186	20	the	the	DET
fsr-3442	186	21	scf	scf	PROPN
fsr-3442	186	22	is	be	AUX
fsr-3442	186	23	a	a	DET
fsr-3442	186	24	triennial	triennial	ADJ
fsr-3442	186	25	survey	survey	NOUN
fsr-3442	186	26	of	of	ADP
fsr-3442	186	27	u.s	u.s	PROPN
fsr-3442	186	28	.	.	PROPN
fsr-3442	186	29	households	household	NOUN
fsr-3442	186	30	sponsored	sponsor	VERB
fsr-3442	186	31	by	by	ADP
fsr-3442	186	32	the	the	DET
fsr-3442	186	33	federal	federal	PROPN
fsr-3442	186	34	reserve	reserve	PROPN
fsr-3442	186	35	,	,	PUNCT
fsr-3442	186	36	in	in	ADP
fsr-3442	186	37	cooperation	cooperation	NOUN
fsr-3442	186	38	with	with	ADP
fsr-3442	186	39	the	the	DET
fsr-3442	186	40	internal	internal	ADJ
fsr-3442	186	41	revenue	revenue	NOUN
fsr-3442	186	42	service	service	NOUN
fsr-3442	186	43	,	,	PUNCT
fsr-3442	186	44	statistics	statistic	NOUN
fsr-3442	186	45	of	of	ADP
fsr-3442	186	46	income	income	NOUN
fsr-3442	186	47	division	division	NOUN
fsr-3442	186	48	,	,	PUNCT
fsr-3442	186	49	and	and	CCONJ
fsr-3442	186	50	collected	collect	VERB
fsr-3442	186	51	by	by	ADP
fsr-3442	186	52	norc	norc	NOUN
fsr-3442	186	53	at	at	ADP
fsr-3442	186	54	the	the	DET
fsr-3442	186	55	university	university	PROPN
fsr-3442	186	56	of	of	ADP
fsr-3442	186	57	chicago	chicago	PROPN
fsr-3442	186	58	.	.	PUNCT
fsr-3442	187	1	the	the	DET
fsr-3442	187	2	survey	survey	NOUN
fsr-3442	187	3	data	datum	NOUN
fsr-3442	187	4	includes	include	VERB
fsr-3442	187	5	information	information	NOUN
fsr-3442	187	6	on	on	ADP
fsr-3442	187	7	families	family	NOUN
fsr-3442	187	8	’	'	PUNCT
fsr-3442	187	9	balance	balance	NOUN
fsr-3442	187	10	sheets	sheet	NOUN
fsr-3442	187	11	,	,	PUNCT
fsr-3442	187	12	pensions	pension	NOUN
fsr-3442	187	13	,	,	PUNCT
fsr-3442	187	14	income	income	NOUN
fsr-3442	187	15	,	,	PUNCT
fsr-3442	187	16	and	and	CCONJ
fsr-3442	187	17	demographic	demographic	ADJ
fsr-3442	187	18	characteristics	characteristic	NOUN
fsr-3442	187	19	.	.	PUNCT
fsr-3442	188	1	information	information	NOUN
fsr-3442	188	2	is	be	AUX
fsr-3442	188	3	also	also	ADV
fsr-3442	188	4	included	include	VERB
fsr-3442	188	5	from	from	ADP
fsr-3442	188	6	related	related	ADJ
fsr-3442	188	7	surveys	survey	NOUN
fsr-3442	188	8	of	of	ADP
fsr-3442	188	9	pension	pension	NOUN
fsr-3442	188	10	providers	provider	NOUN
fsr-3442	188	11	and	and	CCONJ
fsr-3442	188	12	the	the	DET
fsr-3442	188	13	earlier	early	ADJ
fsr-3442	188	14	such	such	ADJ
fsr-3442	188	15	surveys	survey	NOUN
fsr-3442	188	16	conducted	conduct	VERB
fsr-3442	188	17	by	by	ADP
fsr-3442	188	18	the	the	DET
fsr-3442	188	19	federal	federal	PROPN
fsr-3442	188	20	reserve	reserve	PROPN
fsr-3442	188	21	board.3	board.3	PROPN
fsr-3442	188	22	in	in	ADP
fsr-3442	188	23	the	the	DET
fsr-3442	188	24	2013	2013	NUM
fsr-3442	188	25	scf	scf	PROPN
fsr-3442	188	26	survey	survey	NOUN
fsr-3442	188	27	,	,	PUNCT
fsr-3442	188	28	6,015	6,015	NUM
fsr-3442	188	29	households	household	NOUN
fsr-3442	188	30	were	be	AUX
fsr-3442	188	31	available	available	ADJ
fsr-3442	188	32	in	in	ADP
fsr-3442	188	33	the	the	DET
fsr-3442	188	34	public	public	ADJ
fsr-3442	188	35	dataset	dataset	NOUN
fsr-3442	188	36	.	.	PUNCT
fsr-3442	189	1	while	while	SCONJ
fsr-3442	189	2	our	our	PRON
fsr-3442	189	3	study	study	NOUN
fsr-3442	189	4	focuses	focus	VERB
fsr-3442	189	5	on	on	ADP
fsr-3442	189	6	the	the	DET
fsr-3442	189	7	use	use	NOUN
fsr-3442	189	8	of	of	ADP
fsr-3442	189	9	financial	financial	ADJ
fsr-3442	189	10	technology	technology	NOUN
fsr-3442	189	11	and	and	CCONJ
fsr-3442	189	12	requires	require	VERB
fsr-3442	189	13	households	household	NOUN
fsr-3442	189	14	to	to	PART
fsr-3442	189	15	have	have	VERB
fsr-3442	189	16	at	at	ADP
fsr-3442	189	17	least	least	ADJ
fsr-3442	189	18	a	a	DET
fsr-3442	189	19	checking	checking	NOUN
fsr-3442	189	20	or	or	CCONJ
fsr-3442	189	21	a	a	DET
fsr-3442	189	22	savings	saving	NOUN
fsr-3442	189	23	account	account	NOUN
fsr-3442	189	24	.	.	PUNCT
fsr-3442	190	1	as	as	ADP
fsr-3442	190	2	a	a	DET
fsr-3442	190	3	result	result	NOUN
fsr-3442	190	4	,	,	PUNCT
fsr-3442	190	5	we	we	PRON
fsr-3442	190	6	censored	censor	VERB
fsr-3442	190	7	the	the	DET
fsr-3442	190	8	data	datum	NOUN
fsr-3442	190	9	to	to	PART
fsr-3442	190	10	include	include	VERB
fsr-3442	190	11	banked	banked	ADJ
fsr-3442	190	12	households	household	NOUN
fsr-3442	190	13	only	only	ADV
fsr-3442	190	14	for	for	ADP
fsr-3442	190	15	the	the	DET
fsr-3442	190	16	purpose	purpose	NOUN
fsr-3442	190	17	of	of	ADP
fsr-3442	190	18	this	this	DET
fsr-3442	190	19	study	study	NOUN
fsr-3442	190	20	.	.	PUNCT
fsr-3442	191	1	after	after	ADP
fsr-3442	191	2	applying	apply	VERB
fsr-3442	191	3	this	this	DET
fsr-3442	191	4	filter	filter	NOUN
fsr-3442	191	5	,	,	PUNCT
fsr-3442	191	6	our	our	PRON
fsr-3442	191	7	final	final	ADJ
fsr-3442	191	8	sample	sample	NOUN
fsr-3442	191	9	includes	include	VERB
fsr-3442	191	10	a	a	DET
fsr-3442	191	11	total	total	NOUN
fsr-3442	191	12	of	of	ADP
fsr-3442	191	13	5,447	5,447	NUM
fsr-3442	191	14	households	household	NOUN
fsr-3442	191	15	.	.	PUNCT
fsr-3442	192	1	3.1	3.1	NUM
fsr-3442	192	2	.	.	PUNCT
fsr-3442	192	3	positive	positive	ADJ
fsr-3442	192	4	financial	financial	ADJ
fsr-3442	192	5	behaviors	behavior	NOUN
fsr-3442	192	6	proxies	proxy	NOUN
fsr-3442	192	7	:	:	PUNCT
fsr-3442	192	8	the	the	DET
fsr-3442	192	9	dependent	dependent	ADJ
fsr-3442	192	10	variable	variable	NOUN
fsr-3442	192	11	based	base	VERB
fsr-3442	192	12	on	on	ADP
fsr-3442	192	13	the	the	DET
fsr-3442	192	14	theoretical	theoretical	ADJ
fsr-3442	192	15	framework	framework	NOUN
fsr-3442	192	16	,	,	PUNCT
fsr-3442	192	17	we	we	PRON
fsr-3442	192	18	identify	identify	VERB
fsr-3442	192	19	thirteen	thirteen	NUM
fsr-3442	192	20	financial	financial	ADJ
fsr-3442	192	21	behaviors	behavior	NOUN
fsr-3442	192	22	from	from	ADP
fsr-3442	192	23	the	the	DET
fsr-3442	192	24	scf	scf	PROPN
fsr-3442	192	25	to	to	PART
fsr-3442	192	26	construct	construct	VERB
fsr-3442	192	27	our	our	PRON
fsr-3442	192	28	positive	positive	ADJ
fsr-3442	192	29	financial	financial	ADJ
fsr-3442	192	30	behavior	behavior	NOUN
fsr-3442	192	31	proxies	proxy	NOUN
fsr-3442	192	32	.	.	PUNCT
fsr-3442	193	1	these	these	DET
fsr-3442	193	2	behaviors	behavior	NOUN
fsr-3442	193	3	cover	cover	VERB
fsr-3442	193	4	three	three	NUM
fsr-3442	193	5	q.	q.	PROPN
fsr-3442	193	6	bi	bi	PROPN
fsr-3442	193	7	et	et	PROPN
fsr-3442	193	8	al	al	PROPN
fsr-3442	193	9	.	.	PUNCT
fsr-3442	193	10	/	/	SYM
fsr-3442	193	11	financial	financial	ADJ
fsr-3442	193	12	services	service	NOUN
fsr-3442	193	13	review	review	VERB
fsr-3442	193	14	29	29	NUM
fsr-3442	193	15	(	(	PUNCT
fsr-3442	193	16	2021	2021	NUM
fsr-3442	193	17	)	)	PUNCT
fsr-3442	193	18	29–54	29–54	NUM
fsr-3442	193	19	37	37	NUM
fsr-3442	194	1	t	t	PROPN
fsr-3442	194	2	ab	ab	PROPN
fsr-3442	194	3	le	le	PROPN
fsr-3442	194	4	1	1	NUM
fsr-3442	194	5	p	p	PROPN
fsr-3442	194	6	er	er	INTJ
fsr-3442	194	7	ce	ce	PROPN
fsr-3442	194	8	n	n	X
fsr-3442	194	9	ta	ta	X
fsr-3442	194	10	g	g	PROPN
fsr-3442	194	11	e	e	PROPN
fsr-3442	194	12	o	o	X
fsr-3442	194	13	f	f	PROPN
fsr-3442	194	14	b	b	PROPN
fsr-3442	194	15	an	an	DET
fsr-3442	194	16	k	k	NOUN
fsr-3442	194	17	ed	ed	NOUN
fsr-3442	194	18	h	h	NOUN
fsr-3442	194	19	o	o	X
fsr-3442	194	20	u	u	X
fsr-3442	194	21	se	se	PROPN
fsr-3442	194	22	h	h	PROPN
fsr-3442	195	1	o	o	X
fsr-3442	195	2	ld	ld	PROPN
fsr-3442	195	3	s	s	X
fsr-3442	195	4	en	en	ADP
fsr-3442	195	5	g	g	PROPN
fsr-3442	195	6	ag	ag	PROPN
fsr-3442	195	7	in	in	ADP
fsr-3442	195	8	g	g	PROPN
fsr-3442	196	1	in	in	ADP
fsr-3442	196	2	p	p	X
fsr-3442	196	3	o	o	NOUN
fsr-3442	196	4	si	si	X
fsr-3442	196	5	ti	ti	X
fsr-3442	196	6	v	v	NOUN
fsr-3442	196	7	e	e	PROPN
fsr-3442	196	8	fi	fi	NOUN
fsr-3442	196	9	n	n	CCONJ
fsr-3442	196	10	an	an	DET
fsr-3442	196	11	ci	ci	PROPN
fsr-3442	196	12	al	al	PROPN
fsr-3442	196	13	b	b	PROPN
fsr-3442	196	14	eh	eh	INTJ
fsr-3442	196	15	av	av	PROPN
fsr-3442	196	16	io	io	NOUN
fsr-3442	196	17	r	r	PROPN
fsr-3442	196	18	p	p	NOUN
fsr-3442	196	19	o	o	X
fsr-3442	196	20	si	si	X
fsr-3442	196	21	ti	ti	X
fsr-3442	196	22	v	v	NOUN
fsr-3442	196	23	e	e	PROPN
fsr-3442	196	24	fi	fi	NOUN
fsr-3442	196	25	n	n	CCONJ
fsr-3442	196	26	an	an	DET
fsr-3442	196	27	ci	ci	PROPN
fsr-3442	196	28	al	al	PROPN
fsr-3442	196	29	b	b	PROPN
fsr-3442	196	30	eh	eh	INTJ
fsr-3442	196	31	av	av	PROPN
fsr-3442	196	32	io	io	PROPN
fsr-3442	196	33	r	r	NOUN
fsr-3442	196	34	m	m	PROPN
fsr-3442	196	35	ea	ea	X
fsr-3442	196	36	su	su	PROPN
fsr-3442	196	37	re	re	VERB
fsr-3442	196	38	m	m	PROPN
fsr-3442	196	39	en	en	ADP
fsr-3442	196	40	t	t	PROPN
fsr-3442	196	41	b	b	PROPN
fsr-3442	196	42	an	an	DET
fsr-3442	196	43	k	k	NOUN
fsr-3442	196	44	ed	ed	NOUN
fsr-3442	196	45	h	h	NOUN
fsr-3442	196	46	o	o	X
fsr-3442	196	47	u	u	X
fsr-3442	196	48	se	se	PROPN
fsr-3442	196	49	h	h	PROPN
fsr-3442	196	50	o	o	X
fsr-3442	196	51	ld	ld	PROPN
fsr-3442	196	52	s	s	X
fsr-3442	196	53	(	(	PUNCT
fsr-3442	196	54	%	%	INTJ
fsr-3442	196	55	)	)	PUNCT
fsr-3442	196	56	s	s	VERB
fsr-3442	196	57	ta	ta	ADP
fsr-3442	196	58	n	n	PROPN
fsr-3442	196	59	d	d	PROPN
fsr-3442	196	60	ar	ar	PROPN
fsr-3442	197	1	d	d	PROPN
fsr-3442	197	2	iz	iz	ADP
fsr-3442	197	3	ed	ed	PROPN
fsr-3442	197	4	sc	sc	PROPN
fsr-3442	197	5	o	o	X
fsr-3442	197	6	ri	ri	PROPN
fsr-3442	198	1	n	n	ADV
fsr-3442	198	2	g	g	PROPN
fsr-3442	198	3	co	co	X
fsr-3442	198	4	ef	ef	PROPN
fsr-3442	198	5	fi	fi	PROPN
fsr-3442	198	6	ci	ci	PROPN
fsr-3442	198	7	en	en	X
fsr-3442	198	8	ts	ts	X
fsr-3442	198	9	d	d	PROPN
fsr-3442	198	10	eb	eb	PROPN
fsr-3442	198	11	t	t	PROPN
fsr-3442	198	12	m	m	PROPN
fsr-3442	198	13	an	an	DET
fsr-3442	198	14	ag	ag	PROPN
fsr-3442	198	15	em	em	PRON
fsr-3442	198	16	en	en	PROPN
fsr-3442	198	17	t	t	PROPN
fsr-3442	198	18	n	n	CCONJ
fsr-3442	198	19	o	o	X
fsr-3442	198	20	la	la	INTJ
fsr-3442	198	21	te	te	X
fsr-3442	198	22	p	p	X
fsr-3442	198	23	ay	ay	PROPN
fsr-3442	198	24	m	m	VERB
fsr-3442	198	25	en	en	X
fsr-3442	198	26	ts	ts	ADP
fsr-3442	198	27	1	1	NUM
fsr-3442	199	1	if	if	SCONJ
fsr-3442	199	2	al	al	PROPN
fsr-3442	199	3	l	l	PROPN
fsr-3442	199	4	lo	lo	PROPN
fsr-3442	199	5	an	an	DET
fsr-3442	199	6	an	an	PRON
fsr-3442	199	7	d	d	NOUN
fsr-3442	199	8	m	m	NOUN
fsr-3442	199	9	o	o	NOUN
fsr-3442	199	10	rt	rt	NOUN
fsr-3442	199	11	g	g	PROPN
fsr-3442	199	12	ag	ag	PROPN
fsr-3442	199	13	e	e	PROPN
fsr-3442	199	14	p	p	PROPN
fsr-3442	199	15	ay	ay	PROPN
fsr-3442	199	16	m	m	VERB
fsr-3442	199	17	en	en	X
fsr-3442	199	18	ts	ts	ADP
fsr-3442	199	19	m	m	PROPN
fsr-3442	199	20	ad	ad	NOUN
fsr-3442	199	21	e	e	NOUN
fsr-3442	199	22	o	o	NOUN
fsr-3442	199	23	n	n	X
fsr-3442	199	24	ti	ti	NOUN
fsr-3442	199	25	m	m	NOUN
fsr-3442	199	26	e	e	NOUN
fsr-3442	200	1	o	o	NOUN
fsr-3442	200	2	r	r	NOUN
fsr-3442	200	3	ah	ah	INTJ
fsr-3442	200	4	ea	ea	PROPN
fsr-3442	201	1	d	d	NOUN
fsr-3442	201	2	o	o	X
fsr-3442	201	3	f	f	X
fsr-3442	201	4	ti	ti	X
fsr-3442	201	5	m	m	PROPN
fsr-3442	201	6	e	e	NOUN
fsr-3442	201	7	,	,	PUNCT
fsr-3442	201	8	0	0	NUM
fsr-3442	201	9	o	o	NOUN
fsr-3442	201	10	th	th	X
fsr-3442	201	11	er	er	INTJ
fsr-3442	201	12	w	w	PROPN
fsr-3442	201	13	is	be	AUX
fsr-3442	201	14	e.	e.	PROPN
fsr-3442	201	15	8	8	NUM
fsr-3442	201	16	5	5	NUM
fsr-3442	201	17	.9	.9	NUM
fsr-3442	201	18	0	0	PUNCT
fsr-3442	202	1	.2	.2	NUM
fsr-3442	202	2	1	1	NUM
fsr-3442	202	3	9	9	NUM
fsr-3442	202	4	g	g	NOUN
fsr-3442	202	5	o	o	NOUN
fsr-3442	202	6	o	o	X
fsr-3442	202	7	d	d	X
fsr-3442	202	8	cr	cr	PROPN
fsr-3442	203	1	ed	ed	NOUN
fsr-3442	203	2	it	it	PRON
fsr-3442	203	3	re	re	VERB
fsr-3442	203	4	p	p	NOUN
fsr-3442	204	1	o	o	X
fsr-3442	204	2	rt	rt	NOUN
fsr-3442	204	3	1	1	NUM
fsr-3442	204	4	if	if	SCONJ
fsr-3442	204	5	n	n	ADV
fsr-3442	204	6	o	o	X
fsr-3442	204	7	t	t	PROPN
fsr-3442	204	8	b	b	PROPN
fsr-3442	204	9	ee	ee	PROPN
fsr-3442	204	10	n	n	PROPN
fsr-3442	204	11	tu	tu	PROPN
fsr-3442	204	12	rn	rn	PROPN
fsr-3442	204	13	ed	ed	PROPN
fsr-3442	205	1	d	d	PROPN
fsr-3442	205	2	o	o	X
fsr-3442	205	3	w	w	NOUN
fsr-3442	206	1	n	n	ADV
fsr-3442	206	2	fo	fo	ADP
fsr-3442	206	3	r	r	NOUN
fsr-3442	206	4	cr	cr	NOUN
fsr-3442	207	1	ed	ed	NOUN
fsr-3442	208	1	it	it	PRON
fsr-3442	208	2	o	o	NOUN
fsr-3442	208	3	r	r	NOUN
fsr-3442	208	4	if	if	SCONJ
fsr-3442	208	5	tu	tu	PROPN
fsr-3442	208	6	rn	rn	PROPN
fsr-3442	208	7	ed	ed	PROPN
fsr-3442	209	1	d	d	PROPN
fsr-3442	209	2	o	o	X
fsr-3442	209	3	w	w	NOUN
fsr-3442	209	4	n	n	PROPN
fsr-3442	209	5	b	b	PROPN
fsr-3442	209	6	u	u	PROPN
fsr-3442	209	7	t	t	PROPN
fsr-3442	209	8	re	re	PROPN
fsr-3442	209	9	ce	ce	PROPN
fsr-3442	209	10	iv	iv	PROPN
fsr-3442	209	11	ed	ed	PROPN
fsr-3442	209	12	fu	fu	PROPN
fsr-3442	209	13	ll	ll	AUX
fsr-3442	209	14	am	am	VERB
fsr-3442	209	15	o	o	NOUN
fsr-3442	209	16	u	u	NOUN
fsr-3442	209	17	n	n	ADP
fsr-3442	209	18	t	t	NOUN
fsr-3442	209	19	w	w	NOUN
fsr-3442	209	20	h	h	PROPN
fsr-3442	209	21	en	en	PROPN
fsr-3442	209	22	th	th	X
fsr-3442	209	23	ey	ey	X
fsr-3442	209	24	re	re	X
fsr-3442	209	25	ap	ap	PROPN
fsr-3442	209	26	p	p	PROPN
fsr-3442	209	27	li	li	PROPN
fsr-3442	210	1	ed	ed	NOUN
fsr-3442	210	2	o	o	PROPN
fsr-3442	210	3	r	r	NOUN
fsr-3442	210	4	n	n	NOUN
fsr-3442	210	5	ev	ev	INTJ
fsr-3442	210	6	er	er	INTJ
fsr-3442	210	7	ap	ap	PROPN
fsr-3442	211	1	p	p	X
fsr-3442	211	2	ly	ly	ADP
fsr-3442	212	1	w	w	NOUN
fsr-3442	212	2	it	it	PRON
fsr-3442	212	3	h	h	NOUN
fsr-3442	212	4	in	in	ADP
fsr-3442	212	5	th	th	NUM
fsr-3442	212	6	e	e	X
fsr-3442	212	7	p	p	NOUN
fsr-3442	212	8	as	as	ADP
fsr-3442	212	9	t	t	PROPN
fsr-3442	212	10	fi	fi	NOUN
fsr-3442	212	11	v	v	ADP
fsr-3442	212	12	e	e	X
fsr-3442	212	13	y	y	PROPN
fsr-3442	212	14	ea	ea	PROPN
fsr-3442	212	15	rs	rs	PROPN
fsr-3442	212	16	b	b	PROPN
fsr-3442	212	17	ec	ec	PROPN
fsr-3442	212	18	au	au	PROPN
fsr-3442	212	19	se	se	PROPN
fsr-3442	213	1	o	o	PROPN
fsr-3442	213	2	f	f	X
fsr-3442	213	3	af	af	VERB
fsr-3442	213	4	ra	ra	PROPN
fsr-3442	214	1	i	i	PROPN
fsr-3442	214	2	d	d	PROPN
fsr-3442	214	3	o	o	X
fsr-3442	215	1	f	f	PROPN
fsr-3442	215	2	b	b	X
fsr-3442	215	3	ei	ei	ADP
fsr-3442	215	4	n	n	CCONJ
fsr-3442	215	5	g	g	PROPN
fsr-3442	215	6	tu	tu	PROPN
fsr-3442	215	7	rn	rn	PROPN
fsr-3442	215	8	ed	ed	PROPN
fsr-3442	216	1	d	d	PROPN
fsr-3442	216	2	o	o	X
fsr-3442	216	3	w	w	NOUN
fsr-3442	216	4	n	n	PROPN
fsr-3442	216	5	,	,	PUNCT
fsr-3442	216	6	0	0	NUM
fsr-3442	217	1	o	o	NOUN
fsr-3442	217	2	th	th	X
fsr-3442	217	3	er	er	INTJ
fsr-3442	217	4	w	w	PROPN
fsr-3442	217	5	is	be	AUX
fsr-3442	217	6	e.	e.	PROPN
fsr-3442	217	7	7	7	NUM
fsr-3442	217	8	6	6	NUM
fsr-3442	217	9	.4	.4	NUM
fsr-3442	217	10	0	0	NUM
fsr-3442	218	1	.2	.2	NUM
fsr-3442	218	2	2	2	NUM
fsr-3442	218	3	7	7	NUM
fsr-3442	218	4	c	c	NOUN
fsr-3442	218	5	re	re	ADP
fsr-3442	218	6	d	d	NOUN
fsr-3442	218	7	it	it	PRON
fsr-3442	218	8	ca	can	AUX
fsr-3442	218	9	rd	rd	PROPN
fsr-3442	218	10	b	b	PROPN
fsr-3442	218	11	al	al	PROPN
fsr-3442	218	12	an	an	PROPN
fsr-3442	218	13	ce	ce	PROPN
fsr-3442	218	14	1	1	NUM
fsr-3442	218	15	if	if	SCONJ
fsr-3442	218	16	n	n	ADV
fsr-3442	218	17	o	o	NOUN
fsr-3442	218	18	t	t	NOUN
fsr-3442	218	19	ca	can	AUX
fsr-3442	218	20	rr	rr	VERB
fsr-3442	218	21	y	y	PROPN
fsr-3442	218	22	in	in	ADP
fsr-3442	218	23	g	g	PROPN
fsr-3442	218	24	cr	cr	PROPN
fsr-3442	219	1	ed	ed	NOUN
fsr-3442	220	1	it	it	PRON
fsr-3442	220	2	ca	can	AUX
fsr-3442	220	3	rd	rd	PROPN
fsr-3442	220	4	b	b	PROPN
fsr-3442	220	5	al	al	PROPN
fsr-3442	220	6	an	an	PROPN
fsr-3442	220	7	ce	ce	PROPN
fsr-3442	220	8	w	w	PROPN
fsr-3442	220	9	h	h	PROPN
fsr-3442	220	10	en	en	PROPN
fsr-3442	220	11	h	h	NOUN
fsr-3442	220	12	av	av	PROPN
fsr-3442	220	13	in	in	ADP
fsr-3442	220	14	g	g	PROPN
fsr-3442	220	15	m	m	PROPN
fsr-3442	220	16	o	o	NOUN
fsr-3442	221	1	n	n	ADV
fsr-3442	221	2	ey	ey	INTJ
fsr-3442	221	3	in	in	ADP
fsr-3442	221	4	b	b	PROPN
fsr-3442	221	5	an	an	DET
fsr-3442	221	6	k	k	X
fsr-3442	221	7	ac	ac	PROPN
fsr-3442	221	8	co	co	PROPN
fsr-3442	221	9	u	u	PROPN
fsr-3442	221	10	n	n	ADV
fsr-3442	221	11	ts	ts	ADV
fsr-3442	221	12	,	,	PUNCT
fsr-3442	221	13	0	0	NUM
fsr-3442	221	14	o	o	NOUN
fsr-3442	221	15	th	th	X
fsr-3442	221	16	er	er	INTJ
fsr-3442	221	17	w	w	PROPN
fsr-3442	221	18	is	be	AUX
fsr-3442	221	19	e.	e.	PROPN
fsr-3442	221	20	6	6	NUM
fsr-3442	221	21	1	1	NUM
fsr-3442	221	22	.5	.5	NUM
fsr-3442	221	23	0	0	NUM
fsr-3442	222	1	.1	.1	NUM
fsr-3442	222	2	0	0	NUM
fsr-3442	222	3	1	1	NUM
fsr-3442	222	4	n	n	NUM
fsr-3442	222	5	o	o	NOUN
fsr-3442	222	6	b	b	X
fsr-3442	222	7	an	an	DET
fsr-3442	222	8	k	k	PROPN
fsr-3442	222	9	ru	ru	PROPN
fsr-3442	222	10	p	p	PROPN
fsr-3442	222	11	tc	tc	PROPN
fsr-3442	222	12	y	y	PROPN
fsr-3442	222	13	1	1	NUM
fsr-3442	222	14	if	if	SCONJ
fsr-3442	222	15	n	n	PRON
fsr-3442	222	16	ev	ev	INTJ
fsr-3442	222	17	er	er	INTJ
fsr-3442	222	18	fi	fi	INTJ
fsr-3442	222	19	le	le	X
fsr-3442	223	1	d	d	NOUN
fsr-3442	223	2	fo	fo	INTJ
fsr-3442	223	3	r	r	NOUN
fsr-3442	223	4	b	b	PROPN
fsr-3442	223	5	an	an	DET
fsr-3442	223	6	k	k	PROPN
fsr-3442	223	7	ru	ru	PROPN
fsr-3442	223	8	p	p	PROPN
fsr-3442	223	9	tc	tc	PROPN
fsr-3442	223	10	y	y	PROPN
fsr-3442	223	11	,	,	PUNCT
fsr-3442	223	12	0	0	NUM
fsr-3442	224	1	o	o	NOUN
fsr-3442	224	2	th	th	X
fsr-3442	224	3	er	er	INTJ
fsr-3442	224	4	w	w	PROPN
fsr-3442	224	5	is	be	AUX
fsr-3442	224	6	e.	e.	PROPN
fsr-3442	224	7	8	8	NUM
fsr-3442	224	8	6	6	NUM
fsr-3442	224	9	.5	.5	NUM
fsr-3442	224	10	0	0	NUM
fsr-3442	224	11	.1	.1	NUM
fsr-3442	224	12	4	4	NUM
fsr-3442	224	13	4	4	NUM
fsr-3442	224	14	t	t	NOUN
fsr-3442	224	15	o	o	X
fsr-3442	224	16	ta	ta	ADP
fsr-3442	225	1	l	l	PROPN
fsr-3442	225	2	d	d	PROPN
fsr-3442	225	3	eb	eb	PROPN
fsr-3442	225	4	t	t	PROPN
fsr-3442	225	5	p	p	X
fsr-3442	225	6	ay	ay	PROPN
fsr-3442	225	7	m	m	PROPN
fsr-3442	225	8	en	en	ADP
fsr-3442	225	9	t	t	X
fsr-3442	225	10	ra	ra	NOUN
fsr-3442	225	11	ti	ti	INTJ
fsr-3442	225	12	o	o	NOUN
fsr-3442	225	13	1	1	NUM
fsr-3442	225	14	if	if	SCONJ
fsr-3442	225	15	to	to	ADP
fsr-3442	225	16	ta	ta	PROPN
fsr-3442	225	17	l	l	PROPN
fsr-3442	225	18	d	d	PROPN
fsr-3442	225	19	eb	eb	PROPN
fsr-3442	225	20	t	t	PROPN
fsr-3442	225	21	p	p	X
fsr-3442	225	22	ay	ay	PROPN
fsr-3442	225	23	m	m	PROPN
fsr-3442	225	24	en	en	ADP
fsr-3442	225	25	t	t	X
fsr-3442	225	26	ra	ra	NOUN
fsr-3442	226	1	ti	ti	INTJ
fsr-3442	226	2	o	o	NOUN
fsr-3442	226	3	sm	sm	PROPN
fsr-3442	226	4	al	al	PROPN
fsr-3442	226	5	le	le	PROPN
fsr-3442	226	6	r	r	PROPN
fsr-3442	226	7	th	th	X
fsr-3442	226	8	an	an	DET
fsr-3442	226	9	3	3	NUM
fsr-3442	226	10	6	6	NUM
fsr-3442	226	11	%	%	NOUN
fsr-3442	226	12	,	,	PUNCT
fsr-3442	226	13	0	0	NUM
fsr-3442	227	1	o	o	NOUN
fsr-3442	227	2	th	th	X
fsr-3442	227	3	er	er	INTJ
fsr-3442	227	4	w	w	PROPN
fsr-3442	227	5	is	be	AUX
fsr-3442	227	6	e.	e.	PROPN
fsr-3442	227	7	8	8	NUM
fsr-3442	227	8	9	9	NUM
fsr-3442	227	9	.6	.6	NUM
fsr-3442	227	10	0	0	SYM
fsr-3442	228	1	.1	.1	NUM
fsr-3442	228	2	1	1	NUM
fsr-3442	228	3	1	1	NUM
fsr-3442	228	4	p	p	NOUN
fsr-3442	228	5	la	la	X
fsr-3442	228	6	n	n	CCONJ
fsr-3442	228	7	n	n	NOUN
fsr-3442	228	8	in	in	ADP
fsr-3442	228	9	g	g	PROPN
fsr-3442	228	10	ac	ac	INTJ
fsr-3442	228	11	ti	ti	PROPN
fsr-3442	228	12	v	v	ADP
fsr-3442	228	13	it	it	PRON
fsr-3442	228	14	ie	ie	ADV
fsr-3442	228	15	s	s	VERB
fsr-3442	228	16	p	p	NOUN
fsr-3442	228	17	la	la	X
fsr-3442	228	18	n	n	CCONJ
fsr-3442	228	19	n	n	NOUN
fsr-3442	228	20	in	in	ADP
fsr-3442	228	21	g	g	PROPN
fsr-3442	228	22	h	h	NOUN
fsr-3442	228	23	o	o	X
fsr-3442	228	24	ri	ri	PROPN
fsr-3442	228	25	zo	zo	PROPN
fsr-3442	228	26	n	n	PROPN
fsr-3442	228	27	1	1	NUM
fsr-3442	228	28	if	if	SCONJ
fsr-3442	228	29	p	p	NOUN
fsr-3442	228	30	la	la	X
fsr-3442	228	31	n	n	CCONJ
fsr-3442	228	32	n	n	NOUN
fsr-3442	228	33	in	in	ADP
fsr-3442	228	34	g	g	PROPN
fsr-3442	228	35	h	h	NOUN
fsr-3442	229	1	o	o	NOUN
fsr-3442	229	2	ri	ri	INTJ
fsr-3442	229	3	zo	zo	PROPN
fsr-3442	229	4	n	n	PROPN
fsr-3442	229	5	is	be	AUX
fsr-3442	229	6	a	a	DET
fsr-3442	229	7	fe	fe	X
fsr-3442	229	8	w	w	PROPN
fsr-3442	229	9	y	y	PROPN
fsr-3442	229	10	ea	ea	PROPN
fsr-3442	230	1	rs	rs	INTJ
fsr-3442	231	1	o	o	NOUN
fsr-3442	231	2	r	r	NOUN
fsr-3442	231	3	m	m	VERB
fsr-3442	231	4	o	o	NOUN
fsr-3442	231	5	re	re	ADP
fsr-3442	231	6	,	,	PUNCT
fsr-3442	231	7	0	0	NUM
fsr-3442	231	8	o	o	X
fsr-3442	232	1	th	th	X
fsr-3442	232	2	er	er	INTJ
fsr-3442	232	3	w	w	PROPN
fsr-3442	232	4	is	be	AUX
fsr-3442	232	5	e.	e.	PROPN
fsr-3442	232	6	5	5	NUM
fsr-3442	232	7	8	8	NUM
fsr-3442	232	8	.5	.5	NUM
fsr-3442	232	9	0	0	NUM
fsr-3442	233	1	.2	.2	NUM
fsr-3442	233	2	2	2	NUM
fsr-3442	233	3	7	7	NUM
fsr-3442	233	4	c	c	NOUN
fsr-3442	233	5	u	u	NOUN
fsr-3442	233	6	rr	rr	VERB
fsr-3442	233	7	en	en	X
fsr-3442	233	8	tl	tl	PROPN
fsr-3442	233	9	y	y	PROPN
fsr-3442	233	10	sa	sa	PROPN
fsr-3442	233	11	v	v	NOUN
fsr-3442	233	12	in	in	ADP
fsr-3442	233	13	g	g	PROPN
fsr-3442	233	14	1	1	NUM
fsr-3442	233	15	if	if	SCONJ
fsr-3442	233	16	h	h	NOUN
fsr-3442	233	17	av	av	PROPN
fsr-3442	233	18	e	e	PROPN
fsr-3442	233	19	at	at	ADP
fsr-3442	233	20	le	le	PROPN
fsr-3442	233	21	as	as	ADP
fsr-3442	233	22	t	t	PROPN
fsr-3442	233	23	o	o	NOUN
fsr-3442	233	24	n	n	X
fsr-3442	233	25	e	e	X
fsr-3442	233	26	re	re	X
fsr-3442	233	27	as	as	ADP
fsr-3442	233	28	o	o	PROPN
fsr-3442	233	29	n	n	ADP
fsr-3442	233	30	to	to	PART
fsr-3442	233	31	sa	sa	VERB
fsr-3442	233	32	v	v	NUM
fsr-3442	233	33	e	e	NOUN
fsr-3442	233	34	,	,	PUNCT
fsr-3442	233	35	sp	sp	ADP
fsr-3442	233	36	en	en	PROPN
fsr-3442	233	37	d	d	PROPN
fsr-3442	233	38	in	in	ADP
fsr-3442	233	39	g	g	PROPN
fsr-3442	233	40	is	be	AUX
fsr-3442	233	41	le	le	INTJ
fsr-3442	233	42	ss	ss	NOUN
fsr-3442	233	43	th	th	X
fsr-3442	233	44	an	an	PRON
fsr-3442	233	45	in	in	ADP
fsr-3442	233	46	co	co	NOUN
fsr-3442	233	47	m	m	PROPN
fsr-3442	233	48	e	e	PROPN
fsr-3442	233	49	,	,	PUNCT
fsr-3442	233	50	an	an	DET
fsr-3442	233	51	d	d	X
fsr-3442	233	52	ac	ac	PROPN
fsr-3442	233	53	tu	tu	PROPN
fsr-3442	233	54	al	al	PROPN
fsr-3442	233	55	ly	ly	PROPN
fsr-3442	233	56	h	h	NOUN
fsr-3442	233	57	av	av	PROPN
fsr-3442	233	58	e	e	PROPN
fsr-3442	233	59	sa	sa	PROPN
fsr-3442	233	60	v	v	NUM
fsr-3442	233	61	ed	ed	NOUN
fsr-3442	233	62	fo	fo	ADP
fsr-3442	233	63	r	r	NOUN
fsr-3442	233	64	th	th	X
fsr-3442	233	65	at	at	ADP
fsr-3442	233	66	re	re	PROPN
fsr-3442	233	67	as	as	ADP
fsr-3442	233	68	o	o	PROPN
fsr-3442	233	69	n	n	NOUN
fsr-3442	233	70	,	,	PUNCT
fsr-3442	233	71	0	0	NUM
fsr-3442	233	72	o	o	NOUN
fsr-3442	233	73	th	th	X
fsr-3442	233	74	er	er	INTJ
fsr-3442	233	75	w	w	PROPN
fsr-3442	233	76	is	be	AUX
fsr-3442	233	77	e.	e.	PROPN
fsr-3442	233	78	5	5	NUM
fsr-3442	233	79	8	8	NUM
fsr-3442	233	80	.6	.6	NUM
fsr-3442	233	81	0	0	NUM
fsr-3442	234	1	.2	.2	NUM
fsr-3442	234	2	7	7	NUM
fsr-3442	234	3	6	6	NUM
fsr-3442	234	4	l	l	NOUN
fsr-3442	234	5	ev	ev	INTJ
fsr-3442	234	6	el	el	PROPN
fsr-3442	234	7	o	o	PROPN
fsr-3442	235	1	f	f	NOUN
fsr-3442	236	1	sh	sh	INTJ
fsr-3442	236	2	o	o	X
fsr-3442	237	1	p	p	X
fsr-3442	237	2	p	p	NOUN
fsr-3442	237	3	in	in	ADP
fsr-3442	237	4	g	g	PROPN
fsr-3442	237	5	fo	fo	ADP
fsr-3442	237	6	r	r	NOUN
fsr-3442	237	7	cr	cr	NOUN
fsr-3442	238	1	ed	ed	NOUN
fsr-3442	238	2	it	it	PRON
fsr-3442	238	3	1	1	NUM
fsr-3442	238	4	if	if	SCONJ
fsr-3442	238	5	w	w	PROPN
fsr-3442	238	6	h	h	NOUN
fsr-3442	238	7	en	en	PROPN
fsr-3442	238	8	m	m	PROPN
fsr-3442	238	9	ak	ak	PROPN
fsr-3442	238	10	in	in	ADP
fsr-3442	238	11	g	g	PROPN
fsr-3442	238	12	m	m	PROPN
fsr-3442	238	13	aj	aj	PROPN
fsr-3442	238	14	o	o	NOUN
fsr-3442	238	15	r	r	NOUN
fsr-3442	238	16	d	d	X
fsr-3442	238	17	ec	ec	PROPN
fsr-3442	238	18	is	be	AUX
fsr-3442	238	19	io	io	PROPN
fsr-3442	238	20	n	n	PROPN
fsr-3442	238	21	s	s	PROPN
fsr-3442	238	22	ab	ab	NOUN
fsr-3442	238	23	o	o	X
fsr-3442	238	24	u	u	PROPN
fsr-3442	238	25	t	t	PROPN
fsr-3442	239	1	cr	cr	INTJ
fsr-3442	240	1	ed	ed	NOUN
fsr-3442	241	1	it	it	PRON
fsr-3442	242	1	o	o	NOUN
fsr-3442	243	1	r	r	NOUN
fsr-3442	243	2	b	b	X
fsr-3442	243	3	o	o	X
fsr-3442	243	4	rr	rr	NOUN
fsr-3442	243	5	o	o	X
fsr-3442	243	6	w	w	NOUN
fsr-3442	243	7	in	in	ADP
fsr-3442	243	8	g	g	PROPN
fsr-3442	243	9	,	,	PUNCT
fsr-3442	244	1	d	d	X
fsr-3442	244	2	o	o	X
fsr-3442	245	1	a	a	DET
fsr-3442	245	2	m	m	NOUN
fsr-3442	246	1	o	o	NOUN
fsr-3442	246	2	d	d	X
fsr-3442	246	3	er	er	INTJ
fsr-3442	246	4	at	at	ADP
fsr-3442	246	5	e	e	NOUN
fsr-3442	246	6	to	to	ADP
fsr-3442	246	7	a	a	DET
fsr-3442	246	8	g	g	NOUN
fsr-3442	246	9	re	re	NOUN
fsr-3442	246	10	at	at	ADP
fsr-3442	246	11	d	d	PROPN
fsr-3442	246	12	ea	ea	X
fsr-3442	246	13	l	l	NOUN
fsr-3442	247	1	o	o	X
fsr-3442	247	2	f	f	X
fsr-3442	248	1	sh	sh	INTJ
fsr-3442	248	2	o	o	PROPN
fsr-3442	249	1	p	p	X
fsr-3442	249	2	p	p	NOUN
fsr-3442	249	3	in	in	ADP
fsr-3442	249	4	g	g	PROPN
fsr-3442	249	5	,	,	PUNCT
fsr-3442	249	6	0	0	NUM
fsr-3442	249	7	o	o	NOUN
fsr-3442	249	8	th	th	X
fsr-3442	249	9	er	er	INTJ
fsr-3442	249	10	w	w	PROPN
fsr-3442	249	11	is	be	AUX
fsr-3442	249	12	e.	e.	PROPN
fsr-3442	249	13	7	7	NUM
fsr-3442	249	14	5	5	NUM
fsr-3442	249	15	.1	.1	NUM
fsr-3442	249	16	0	0	NUM
fsr-3442	250	1	.0	.0	NUM
fsr-3442	250	2	9	9	NUM
fsr-3442	250	3	9	9	NUM
fsr-3442	250	4	l	l	NOUN
fsr-3442	250	5	ev	ev	NOUN
fsr-3442	251	1	el	el	PROPN
fsr-3442	251	2	o	o	PROPN
fsr-3442	252	1	f	f	NOUN
fsr-3442	253	1	sh	sh	INTJ
fsr-3442	253	2	o	o	X
fsr-3442	254	1	p	p	X
fsr-3442	254	2	p	p	NOUN
fsr-3442	254	3	in	in	ADP
fsr-3442	254	4	g	g	PROPN
fsr-3442	254	5	fo	fo	ADP
fsr-3442	254	6	r	r	NOUN
fsr-3442	254	7	sa	sa	PROPN
fsr-3442	254	8	v	v	NOUN
fsr-3442	254	9	in	in	ADP
fsr-3442	254	10	g	g	PROPN
fsr-3442	254	11	s	s	PROPN
fsr-3442	254	12	an	an	DET
fsr-3442	254	13	d	d	NOUN
fsr-3442	254	14	in	in	ADP
fsr-3442	254	15	v	v	NUM
fsr-3442	254	16	es	es	ADP
fsr-3442	254	17	tm	tm	NOUN
fsr-3442	254	18	en	en	X
fsr-3442	254	19	ts	ts	ADP
fsr-3442	254	20	1	1	NUM
fsr-3442	254	21	if	if	SCONJ
fsr-3442	254	22	w	w	PROPN
fsr-3442	254	23	h	h	NOUN
fsr-3442	254	24	en	en	PROPN
fsr-3442	254	25	m	m	PROPN
fsr-3442	254	26	ak	ak	PROPN
fsr-3442	254	27	in	in	ADP
fsr-3442	254	28	g	g	PROPN
fsr-3442	254	29	m	m	PROPN
fsr-3442	254	30	aj	aj	PROPN
fsr-3442	254	31	o	o	NOUN
fsr-3442	254	32	r	r	NOUN
fsr-3442	254	33	d	d	X
fsr-3442	254	34	ec	ec	PROPN
fsr-3442	254	35	is	be	AUX
fsr-3442	254	36	io	io	PROPN
fsr-3442	254	37	n	n	PROPN
fsr-3442	254	38	s	s	PROPN
fsr-3442	254	39	ab	ab	NOUN
fsr-3442	254	40	o	o	X
fsr-3442	255	1	u	u	NOUN
fsr-3442	255	2	t	t	X
fsr-3442	255	3	sa	sa	X
fsr-3442	255	4	v	v	NOUN
fsr-3442	255	5	in	in	ADP
fsr-3442	255	6	g	g	NOUN
fsr-3442	255	7	o	o	NOUN
fsr-3442	255	8	r	r	NOUN
fsr-3442	255	9	in	in	ADP
fsr-3442	255	10	v	v	NUM
fsr-3442	255	11	es	es	X
fsr-3442	255	12	ti	ti	NOUN
fsr-3442	255	13	n	n	DET
fsr-3442	255	14	g	g	NOUN
fsr-3442	255	15	,	,	PUNCT
fsr-3442	256	1	d	d	X
fsr-3442	256	2	o	o	X
fsr-3442	256	3	a	a	DET
fsr-3442	256	4	m	m	NOUN
fsr-3442	256	5	o	o	NOUN
fsr-3442	257	1	d	d	X
fsr-3442	257	2	er	er	INTJ
fsr-3442	257	3	at	at	ADP
fsr-3442	257	4	e	e	NOUN
fsr-3442	257	5	to	to	ADP
fsr-3442	257	6	a	a	DET
fsr-3442	257	7	g	g	NOUN
fsr-3442	257	8	re	re	NOUN
fsr-3442	257	9	at	at	ADP
fsr-3442	257	10	d	d	PROPN
fsr-3442	257	11	ea	ea	X
fsr-3442	257	12	l	l	NOUN
fsr-3442	258	1	o	o	X
fsr-3442	258	2	f	f	X
fsr-3442	259	1	sh	sh	INTJ
fsr-3442	259	2	o	o	PROPN
fsr-3442	260	1	p	p	X
fsr-3442	260	2	p	p	NOUN
fsr-3442	260	3	in	in	ADP
fsr-3442	260	4	g	g	PROPN
fsr-3442	260	5	,	,	PUNCT
fsr-3442	260	6	0	0	NUM
fsr-3442	260	7	o	o	NOUN
fsr-3442	260	8	th	th	X
fsr-3442	260	9	er	er	INTJ
fsr-3442	260	10	w	w	PROPN
fsr-3442	260	11	is	be	AUX
fsr-3442	260	12	e.	e.	PROPN
fsr-3442	260	13	6	6	NUM
fsr-3442	260	14	9	9	NUM
fsr-3442	260	15	.8	.8	NUM
fsr-3442	260	16	0	0	SYM
fsr-3442	261	1	.1	.1	NUM
fsr-3442	261	2	4	4	NUM
fsr-3442	261	3	5	5	NUM
fsr-3442	261	4	r	r	NOUN
fsr-3442	261	5	is	be	AUX
fsr-3442	261	6	k	k	PROPN
fsr-3442	261	7	m	m	VERB
fsr-3442	261	8	an	an	DET
fsr-3442	261	9	ag	ag	PROPN
fsr-3442	261	10	em	em	PRON
fsr-3442	261	11	en	en	INTJ
fsr-3442	261	12	t	t	PROPN
fsr-3442	261	13	c	c	PROPN
fsr-3442	261	14	h	h	PROPN
fsr-3442	261	15	il	il	PROPN
fsr-3442	261	16	d	d	PROPN
fsr-3442	261	17	re	re	X
fsr-3442	261	18	n	n	PROPN
fsr-3442	261	19	u	u	NOUN
fsr-3442	262	1	n	n	PROPN
fsr-3442	262	2	d	d	NOUN
fsr-3442	262	3	er	er	INTJ
fsr-3442	262	4	1	1	NUM
fsr-3442	262	5	8	8	NUM
fsr-3442	262	6	co	co	NOUN
fsr-3442	262	7	v	v	ADP
fsr-3442	262	8	er	er	INTJ
fsr-3442	262	9	ed	ed	PROPN
fsr-3442	262	10	b	b	PROPN
fsr-3442	262	11	y	y	PROPN
fsr-3442	262	12	li	li	PROPN
fsr-3442	262	13	fe	fe	PROPN
fsr-3442	262	14	in	in	ADP
fsr-3442	262	15	su	su	PROPN
fsr-3442	262	16	ra	ra	PROPN
fsr-3442	262	17	n	n	PROPN
fsr-3442	262	18	ce	ce	PROPN
fsr-3442	262	19	1	1	NUM
fsr-3442	262	20	if	if	SCONJ
fsr-3442	262	21	ch	ch	PROPN
fsr-3442	262	22	il	il	PROPN
fsr-3442	262	23	d	d	X
fsr-3442	262	24	re	re	X
fsr-3442	262	25	n	n	PROPN
fsr-3442	262	26	u	u	NOUN
fsr-3442	262	27	n	n	PROPN
fsr-3442	263	1	d	d	NOUN
fsr-3442	263	2	er	er	INTJ
fsr-3442	263	3	1	1	NUM
fsr-3442	263	4	8	8	NUM
fsr-3442	263	5	co	co	NOUN
fsr-3442	263	6	v	v	ADP
fsr-3442	263	7	er	er	INTJ
fsr-3442	263	8	ed	ed	PROPN
fsr-3442	263	9	b	b	PROPN
fsr-3442	263	10	y	y	PROPN
fsr-3442	263	11	li	li	PROPN
fsr-3442	263	12	fe	fe	PROPN
fsr-3442	263	13	in	in	ADP
fsr-3442	263	14	su	su	PROPN
fsr-3442	263	15	ra	ra	PROPN
fsr-3442	263	16	n	n	PROPN
fsr-3442	263	17	ce	ce	NOUN
fsr-3442	264	1	o	o	NOUN
fsr-3442	264	2	r	r	NOUN
fsr-3442	264	3	n	n	NOUN
fsr-3442	264	4	o	o	NOUN
fsr-3442	264	5	ch	ch	NOUN
fsr-3442	264	6	il	il	PROPN
fsr-3442	264	7	d	d	X
fsr-3442	264	8	re	re	X
fsr-3442	264	9	n	n	PROPN
fsr-3442	264	10	u	u	NOUN
fsr-3442	264	11	n	n	PROPN
fsr-3442	264	12	d	d	NOUN
fsr-3442	264	13	er	er	INTJ
fsr-3442	264	14	1	1	NUM
fsr-3442	264	15	8	8	NUM
fsr-3442	264	16	p	p	NOUN
fsr-3442	264	17	re	re	X
fsr-3442	264	18	se	se	X
fsr-3442	264	19	n	n	PROPN
fsr-3442	264	20	t	t	PROPN
fsr-3442	264	21	in	in	ADP
fsr-3442	264	22	th	th	X
fsr-3442	264	23	e	e	NOUN
fsr-3442	264	24	h	h	NOUN
fsr-3442	264	25	o	o	X
fsr-3442	264	26	u	u	X
fsr-3442	264	27	se	se	PROPN
fsr-3442	264	28	h	h	PROPN
fsr-3442	264	29	o	o	X
fsr-3442	264	30	ld	ld	PROPN
fsr-3442	264	31	,	,	PUNCT
fsr-3442	264	32	0	0	NUM
fsr-3442	265	1	o	o	NOUN
fsr-3442	265	2	th	th	X
fsr-3442	265	3	er	er	INTJ
fsr-3442	265	4	w	w	PROPN
fsr-3442	265	5	is	be	AUX
fsr-3442	265	6	e.	e.	PROPN
fsr-3442	265	7	8	8	NUM
fsr-3442	265	8	9	9	NUM
fsr-3442	265	9	.0	.0	NUM
fsr-3442	265	10	0	0	NUM
fsr-3442	266	1	.1	.1	NUM
fsr-3442	266	2	8	8	NUM
fsr-3442	266	3	4	4	NUM
fsr-3442	266	4	h	h	NOUN
fsr-3442	266	5	ea	ea	ADP
fsr-3442	266	6	lt	lt	PRON
fsr-3442	266	7	h	h	PROPN
fsr-3442	266	8	in	in	ADP
fsr-3442	266	9	su	su	PROPN
fsr-3442	266	10	ra	ra	PROPN
fsr-3442	266	11	n	n	PROPN
fsr-3442	266	12	ce	ce	PROPN
fsr-3442	266	13	1	1	NUM
fsr-3442	266	14	if	if	SCONJ
fsr-3442	266	15	ev	ev	INTJ
fsr-3442	266	16	er	er	INTJ
fsr-3442	266	17	y	y	PROPN
fsr-3442	266	18	o	o	PROPN
fsr-3442	266	19	n	n	CCONJ
fsr-3442	266	20	e	e	X
fsr-3442	266	21	in	in	ADP
fsr-3442	266	22	th	th	NUM
fsr-3442	266	23	e	e	NOUN
fsr-3442	266	24	h	h	NOUN
fsr-3442	266	25	o	o	X
fsr-3442	266	26	u	u	X
fsr-3442	266	27	se	se	PROPN
fsr-3442	266	28	h	h	PROPN
fsr-3442	267	1	o	o	INTJ
fsr-3442	267	2	ld	ld	PROPN
fsr-3442	267	3	is	be	AUX
fsr-3442	267	4	co	co	NOUN
fsr-3442	267	5	v	v	ADP
fsr-3442	267	6	er	er	INTJ
fsr-3442	267	7	ed	ed	NOUN
fsr-3442	267	8	u	u	PROPN
fsr-3442	267	9	n	n	PROPN
fsr-3442	267	10	d	d	NOUN
fsr-3442	267	11	er	er	INTJ
fsr-3442	267	12	h	h	NOUN
fsr-3442	267	13	ea	ea	PROPN
fsr-3442	267	14	lt	lt	PRON
fsr-3442	267	15	h	h	PROPN
fsr-3442	267	16	in	in	ADP
fsr-3442	267	17	su	su	PROPN
fsr-3442	267	18	ra	ra	PROPN
fsr-3442	267	19	n	n	PROPN
fsr-3442	267	20	ce	ce	PROPN
fsr-3442	267	21	,	,	PUNCT
fsr-3442	267	22	0	0	NUM
fsr-3442	267	23	o	o	X
fsr-3442	267	24	th	th	X
fsr-3442	267	25	er	er	INTJ
fsr-3442	267	26	w	w	PROPN
fsr-3442	267	27	is	be	AUX
fsr-3442	267	28	e.	e.	PROPN
fsr-3442	267	29	8	8	NUM
fsr-3442	267	30	1	1	NUM
fsr-3442	267	31	.1	.1	NUM
fsr-3442	267	32	0	0	NUM
fsr-3442	268	1	.2	.2	NUM
fsr-3442	268	2	1	1	NUM
fsr-3442	268	3	9	9	NUM
fsr-3442	268	4	d	d	NOUN
fsr-3442	268	5	is	be	AUX
fsr-3442	268	6	ab	ab	PROPN
fsr-3442	268	7	il	il	PROPN
fsr-3442	269	1	it	it	PRON
fsr-3442	269	2	y	y	PROPN
fsr-3442	269	3	in	in	ADP
fsr-3442	269	4	co	co	PROPN
fsr-3442	269	5	m	m	PROPN
fsr-3442	269	6	e	e	PROPN
fsr-3442	269	7	in	in	ADP
fsr-3442	269	8	su	su	PROPN
fsr-3442	269	9	ra	ra	PROPN
fsr-3442	269	10	n	n	PROPN
fsr-3442	269	11	ce	ce	PROPN
fsr-3442	269	12	1	1	NUM
fsr-3442	269	13	if	if	SCONJ
fsr-3442	269	14	h	h	NOUN
fsr-3442	269	15	ea	ea	NOUN
fsr-3442	270	1	d	d	NOUN
fsr-3442	270	2	o	o	X
fsr-3442	271	1	f	f	NOUN
fsr-3442	271	2	h	h	NOUN
fsr-3442	271	3	o	o	X
fsr-3442	271	4	u	u	INTJ
fsr-3442	272	1	se	se	PROPN
fsr-3442	272	2	h	h	PROPN
fsr-3442	273	1	o	o	INTJ
fsr-3442	273	2	ld	ld	PROPN
fsr-3442	273	3	is	be	AUX
fsr-3442	273	4	w	w	PROPN
fsr-3442	273	5	o	o	NOUN
fsr-3442	273	6	rk	rk	NOUN
fsr-3442	273	7	in	in	ADP
fsr-3442	273	8	g	g	PROPN
fsr-3442	273	9	an	an	PROPN
fsr-3442	273	10	d	d	X
fsr-3442	273	11	co	co	NOUN
fsr-3442	273	12	v	v	ADP
fsr-3442	273	13	er	er	INTJ
fsr-3442	273	14	ed	ed	PROPN
fsr-3442	273	15	b	b	PROPN
fsr-3442	273	16	y	y	PROPN
fsr-3442	273	17	d	d	PROPN
fsr-3442	273	18	is	be	AUX
fsr-3442	273	19	ab	ab	PROPN
fsr-3442	273	20	il	il	PROPN
fsr-3442	273	21	it	it	PRON
fsr-3442	273	22	y	y	PROPN
fsr-3442	273	23	in	in	ADP
fsr-3442	273	24	su	su	PROPN
fsr-3442	273	25	ra	ra	PROPN
fsr-3442	274	1	n	n	PROPN
fsr-3442	274	2	ce	ce	NOUN
fsr-3442	274	3	o	o	NOUN
fsr-3442	274	4	r	r	NOUN
fsr-3442	274	5	is	be	AUX
fsr-3442	274	6	re	re	VERB
fsr-3442	274	7	ti	ti	X
fsr-3442	274	8	re	re	ADP
fsr-3442	274	9	d	d	PROPN
fsr-3442	274	10	an	an	PROPN
fsr-3442	274	11	d	d	PROPN
fsr-3442	274	12	n	n	NUM
fsr-3442	274	13	o	o	NOUN
fsr-3442	274	14	t	t	X
fsr-3442	274	15	co	co	NOUN
fsr-3442	274	16	v	v	ADP
fsr-3442	274	17	er	er	INTJ
fsr-3442	274	18	ed	ed	PROPN
fsr-3442	274	19	b	b	PROPN
fsr-3442	274	20	y	y	PROPN
fsr-3442	274	21	d	d	PROPN
fsr-3442	274	22	is	be	AUX
fsr-3442	274	23	ab	ab	PROPN
fsr-3442	274	24	il	il	PROPN
fsr-3442	274	25	it	it	PRON
fsr-3442	274	26	y	y	PROPN
fsr-3442	274	27	in	in	ADP
fsr-3442	274	28	su	su	PROPN
fsr-3442	274	29	ra	ra	PROPN
fsr-3442	275	1	n	n	PROPN
fsr-3442	275	2	ce	ce	PROPN
fsr-3442	275	3	,	,	PUNCT
fsr-3442	276	1	0	0	NUM
fsr-3442	276	2	o	o	X
fsr-3442	276	3	th	th	X
fsr-3442	276	4	er	er	INTJ
fsr-3442	276	5	w	w	PROPN
fsr-3442	276	6	is	be	AUX
fsr-3442	276	7	e.	e.	PROPN
fsr-3442	276	8	2	2	NUM
fsr-3442	276	9	5	5	NUM
fsr-3442	276	10	.4	.4	NUM
fsr-3442	276	11	0	0	NUM
fsr-3442	277	1	.1	.1	NUM
fsr-3442	277	2	2	2	NUM
fsr-3442	277	3	6	6	NUM
fsr-3442	277	4	e	e	NOUN
fsr-3442	277	5	m	m	VERB
fsr-3442	277	6	er	er	INTJ
fsr-3442	277	7	g	g	PROPN
fsr-3442	277	8	en	en	PROPN
fsr-3442	277	9	cy	cy	PROPN
fsr-3442	277	10	fu	fu	PROPN
fsr-3442	278	1	n	n	PROPN
fsr-3442	278	2	d	d	PROPN
fsr-3442	278	3	1	1	NUM
fsr-3442	278	4	if	if	SCONJ
fsr-3442	278	5	h	h	PRON
fsr-3442	278	6	av	av	VERB
fsr-3442	278	7	in	in	ADP
fsr-3442	278	8	g	g	PROPN
fsr-3442	278	9	$	$	SYM
fsr-3442	278	10	3	3	NUM
fsr-3442	278	11	,	,	PUNCT
fsr-3442	278	12	0	0	NUM
fsr-3442	278	13	0	0	NUM
fsr-3442	278	14	0	0	NUM
fsr-3442	279	1	em	em	PRON
fsr-3442	280	1	er	er	INTJ
fsr-3442	280	2	g	g	X
fsr-3442	280	3	en	en	PROPN
fsr-3442	280	4	cy	cy	PROPN
fsr-3442	280	5	fu	fu	PROPN
fsr-3442	281	1	n	n	PROPN
fsr-3442	281	2	d	d	X
fsr-3442	281	3	p	p	X
fsr-3442	281	4	re	re	ADP
fsr-3442	281	5	p	p	PROPN
fsr-3442	281	6	ar	ar	PROPN
fsr-3442	281	7	ed	ed	NOUN
fsr-3442	281	8	o	o	NOUN
fsr-3442	281	9	r	r	NOUN
fsr-3442	281	10	b	b	PROPN
fsr-3442	281	11	ei	ei	ADP
fsr-3442	281	12	n	n	CCONJ
fsr-3442	281	13	g	g	PROPN
fsr-3442	281	14	co	co	NOUN
fsr-3442	281	15	n	n	PROPN
fsr-3442	281	16	fi	fi	NOUN
fsr-3442	282	1	d	d	X
fsr-3442	282	2	en	en	X
fsr-3442	282	3	t	t	PROPN
fsr-3442	282	4	ab	ab	X
fsr-3442	282	5	o	o	X
fsr-3442	282	6	u	u	PROPN
fsr-3442	282	7	t	t	PROPN
fsr-3442	282	8	b	b	X
fsr-3442	282	9	o	o	X
fsr-3442	282	10	rr	rr	NOUN
fsr-3442	282	11	o	o	X
fsr-3442	282	12	w	w	NOUN
fsr-3442	282	13	$	$	SYM
fsr-3442	282	14	3	3	NUM
fsr-3442	282	15	,	,	PUNCT
fsr-3442	282	16	0	0	NUM
fsr-3442	282	17	0	0	NUM
fsr-3442	282	18	0	0	NUM
fsr-3442	283	1	fr	fr	INTJ
fsr-3442	284	1	o	o	INTJ
fsr-3442	284	2	m	m	VERB
fsr-3442	284	3	fr	fr	VERB
fsr-3442	285	1	ie	ie	ADV
fsr-3442	285	2	n	n	PROPN
fsr-3442	285	3	d	d	NOUN
fsr-3442	285	4	s	s	PART
fsr-3442	285	5	o	o	X
fsr-3442	285	6	r	r	NOUN
fsr-3442	285	7	re	re	X
fsr-3442	285	8	la	la	X
fsr-3442	285	9	ti	ti	X
fsr-3442	285	10	v	v	ADP
fsr-3442	285	11	es	es	NOUN
fsr-3442	285	12	,	,	PUNCT
fsr-3442	285	13	0	0	NUM
fsr-3442	285	14	o	o	NOUN
fsr-3442	285	15	th	th	X
fsr-3442	285	16	er	er	INTJ
fsr-3442	285	17	w	w	PROPN
fsr-3442	285	18	is	be	AUX
fsr-3442	285	19	e.	e.	PROPN
fsr-3442	285	20	8	8	NUM
fsr-3442	285	21	6	6	NUM
fsr-3442	286	1	.6	.6	NUM
fsr-3442	286	2	0	0	NUM
fsr-3442	287	1	.2	.2	NUM
fsr-3442	287	2	0	0	NUM
fsr-3442	287	3	7	7	NUM
fsr-3442	287	4	38	38	NUM
fsr-3442	287	5	q.	q.	NOUN
fsr-3442	287	6	bi	bi	NOUN
fsr-3442	287	7	et	et	PROPN
fsr-3442	287	8	al	al	PROPN
fsr-3442	287	9	.	.	PUNCT
fsr-3442	287	10	/	/	SYM
fsr-3442	287	11	financial	financial	ADJ
fsr-3442	287	12	services	service	NOUN
fsr-3442	287	13	review	review	VERB
fsr-3442	287	14	29	29	NUM
fsr-3442	287	15	(	(	PUNCT
fsr-3442	287	16	2021	2021	NUM
fsr-3442	287	17	)	)	PUNCT
fsr-3442	287	18	29–54	29–54	NUM
fsr-3442	287	19	decision	decision	NOUN
fsr-3442	287	20	-	-	PUNCT
fsr-3442	287	21	making	make	VERB
fsr-3442	287	22	domains	domain	NOUN
fsr-3442	287	23	in	in	ADP
fsr-3442	287	24	debt	debt	NOUN
fsr-3442	287	25	management	management	NOUN
fsr-3442	287	26	,	,	PUNCT
fsr-3442	287	27	planning	planning	NOUN
fsr-3442	287	28	activities	activity	NOUN
fsr-3442	287	29	,	,	PUNCT
fsr-3442	287	30	and	and	CCONJ
fsr-3442	287	31	risk	risk	NOUN
fsr-3442	287	32	management	management	NOUN
fsr-3442	287	33	,	,	PUNCT
fsr-3442	287	34	respectively	respectively	ADV
fsr-3442	287	35	.	.	PUNCT
fsr-3442	287	36	table	table	NOUN
fsr-3442	287	37	1	1	NUM
fsr-3442	287	38	shows	show	VERB
fsr-3442	287	39	the	the	DET
fsr-3442	287	40	descriptions	description	NOUN
fsr-3442	287	41	and	and	CCONJ
fsr-3442	287	42	measures	measure	NOUN
fsr-3442	287	43	of	of	ADP
fsr-3442	287	44	these	these	DET
fsr-3442	287	45	financial	financial	ADJ
fsr-3442	287	46	behaviors	behavior	NOUN
fsr-3442	287	47	and	and	CCONJ
fsr-3442	287	48	the	the	DET
fsr-3442	287	49	summary	summary	NOUN
fsr-3442	287	50	statistics	statistic	NOUN
fsr-3442	287	51	.	.	PUNCT
fsr-3442	288	1	for	for	ADP
fsr-3442	288	2	debt	debt	NOUN
fsr-3442	288	3	management	management	NOUN
fsr-3442	288	4	activities	activity	NOUN
fsr-3442	288	5	,	,	PUNCT
fsr-3442	288	6	our	our	PRON
fsr-3442	288	7	results	result	NOUN
fsr-3442	288	8	show	show	VERB
fsr-3442	288	9	that	that	SCONJ
fsr-3442	288	10	more	more	ADJ
fsr-3442	288	11	than	than	ADP
fsr-3442	288	12	85	85	NUM
fsr-3442	288	13	%	%	NOUN
fsr-3442	288	14	of	of	ADP
fsr-3442	288	15	respondents	respondent	NOUN
fsr-3442	288	16	have	have	VERB
fsr-3442	288	17	no	no	DET
fsr-3442	288	18	late	late	ADJ
fsr-3442	288	19	payments	payment	NOUN
fsr-3442	288	20	,	,	PUNCT
fsr-3442	288	21	no	no	DET
fsr-3442	288	22	bankruptcy	bankruptcy	NOUN
fsr-3442	288	23	,	,	PUNCT
fsr-3442	288	24	and	and	CCONJ
fsr-3442	288	25	a	a	DET
fsr-3442	288	26	total	total	ADJ
fsr-3442	288	27	debt	debt	NOUN
fsr-3442	288	28	payment	payment	NOUN
fsr-3442	288	29	ratio	ratio	NOUN
fsr-3442	288	30	that	that	PRON
fsr-3442	288	31	is	be	AUX
fsr-3442	288	32	smaller	small	ADJ
fsr-3442	288	33	than	than	ADP
fsr-3442	288	34	36	36	NUM
fsr-3442	288	35	%	%	NOUN
fsr-3442	288	36	.	.	PUNCT
fsr-3442	289	1	further	far	ADV
fsr-3442	289	2	,	,	PUNCT
fsr-3442	289	3	76.4	76.4	NUM
fsr-3442	289	4	%	%	NOUN
fsr-3442	289	5	of	of	ADP
fsr-3442	289	6	respondents	respondent	NOUN
fsr-3442	289	7	indicate	indicate	VERB
fsr-3442	289	8	having	have	VERB
fsr-3442	289	9	a	a	DET
fsr-3442	289	10	good	good	ADJ
fsr-3442	289	11	credit	credit	NOUN
fsr-3442	289	12	report	report	NOUN
fsr-3442	289	13	;	;	PUNCT
fsr-3442	289	14	61.5	61.5	NUM
fsr-3442	289	15	%	%	NOUN
fsr-3442	289	16	of	of	ADP
fsr-3442	289	17	respondents	respondent	NOUN
fsr-3442	289	18	do	do	AUX
fsr-3442	289	19	not	not	PART
fsr-3442	289	20	carry	carry	VERB
fsr-3442	289	21	credit	credit	NOUN
fsr-3442	289	22	card	card	NOUN
fsr-3442	289	23	balances	balance	NOUN
fsr-3442	289	24	when	when	SCONJ
fsr-3442	289	25	they	they	PRON
fsr-3442	289	26	have	have	VERB
fsr-3442	289	27	money	money	NOUN
fsr-3442	289	28	in	in	ADP
fsr-3442	289	29	their	their	PRON
fsr-3442	289	30	bank	bank	NOUN
fsr-3442	289	31	accounts	account	NOUN
fsr-3442	289	32	.	.	PUNCT
fsr-3442	290	1	for	for	ADP
fsr-3442	290	2	financial	financial	ADJ
fsr-3442	290	3	planning	planning	NOUN
fsr-3442	290	4	activities	activity	NOUN
fsr-3442	290	5	,	,	PUNCT
fsr-3442	290	6	58.5	58.5	NUM
fsr-3442	290	7	%	%	NOUN
fsr-3442	290	8	of	of	ADP
fsr-3442	290	9	respondents	respondent	NOUN
fsr-3442	290	10	indicate	indicate	VERB
fsr-3442	290	11	that	that	SCONJ
fsr-3442	290	12	they	they	PRON
fsr-3442	290	13	are	be	AUX
fsr-3442	290	14	planning	plan	VERB
fsr-3442	290	15	a	a	DET
fsr-3442	290	16	few	few	ADJ
fsr-3442	290	17	years	year	NOUN
fsr-3442	290	18	ahead	ahead	ADV
fsr-3442	290	19	and	and	CCONJ
fsr-3442	290	20	have	have	AUX
fsr-3442	290	21	saved	save	VERB
fsr-3442	290	22	for	for	ADP
fsr-3442	290	23	specific	specific	ADJ
fsr-3442	290	24	goals	goal	NOUN
fsr-3442	290	25	.	.	PUNCT
fsr-3442	291	1	75.1	75.1	NUM
fsr-3442	291	2	%	%	NOUN
fsr-3442	291	3	of	of	ADP
fsr-3442	291	4	respondents	respondent	NOUN
fsr-3442	291	5	report	report	VERB
fsr-3442	291	6	that	that	SCONJ
fsr-3442	291	7	they	they	PRON
fsr-3442	291	8	do	do	VERB
fsr-3442	291	9	a	a	DET
fsr-3442	291	10	lot	lot	NOUN
fsr-3442	291	11	of	of	ADP
fsr-3442	291	12	shopping	shopping	NOUN
fsr-3442	291	13	when	when	SCONJ
fsr-3442	291	14	making	make	VERB
fsr-3442	291	15	decisions	decision	NOUN
fsr-3442	291	16	on	on	ADP
fsr-3442	291	17	credit	credit	NOUN
fsr-3442	291	18	,	,	PUNCT
fsr-3442	291	19	savings	saving	NOUN
fsr-3442	291	20	,	,	PUNCT
fsr-3442	291	21	and	and	CCONJ
fsr-3442	291	22	investments	investment	NOUN
fsr-3442	291	23	.	.	PUNCT
fsr-3442	292	1	additionally	additionally	ADV
fsr-3442	292	2	,	,	PUNCT
fsr-3442	292	3	households	household	NOUN
fsr-3442	292	4	get	get	AUX
fsr-3442	292	5	involved	involve	VERB
fsr-3442	292	6	in	in	ADP
fsr-3442	292	7	risk	risk	NOUN
fsr-3442	292	8	management	management	NOUN
fsr-3442	292	9	;	;	PUNCT
fsr-3442	292	10	89	89	NUM
fsr-3442	292	11	%	%	NOUN
fsr-3442	292	12	of	of	ADP
fsr-3442	292	13	respondents	respondent	NOUN
fsr-3442	292	14	who	who	PRON
fsr-3442	292	15	have	have	VERB
fsr-3442	292	16	children	child	NOUN
fsr-3442	292	17	under	under	ADP
fsr-3442	292	18	18	18	NUM
fsr-3442	292	19	are	be	AUX
fsr-3442	292	20	covered	cover	VERB
fsr-3442	292	21	by	by	ADP
fsr-3442	292	22	some	some	DET
fsr-3442	292	23	sort	sort	NOUN
fsr-3442	292	24	of	of	ADP
fsr-3442	292	25	life	life	NOUN
fsr-3442	292	26	insurance	insurance	NOUN
fsr-3442	292	27	,	,	PUNCT
fsr-3442	292	28	as	as	SCONJ
fsr-3442	292	29	compared	compare	VERB
fsr-3442	292	30	with	with	ADP
fsr-3442	292	31	81.1	81.1	NUM
fsr-3442	292	32	%	%	NOUN
fsr-3442	292	33	of	of	ADP
fsr-3442	292	34	respondents	respondent	NOUN
fsr-3442	292	35	reporting	report	VERB
fsr-3442	292	36	that	that	SCONJ
fsr-3442	292	37	everyone	everyone	PRON
fsr-3442	292	38	in	in	ADP
fsr-3442	292	39	the	the	DET
fsr-3442	292	40	household	household	NOUN
fsr-3442	292	41	is	be	AUX
fsr-3442	292	42	covered	cover	VERB
fsr-3442	292	43	by	by	ADP
fsr-3442	292	44	health	health	NOUN
fsr-3442	292	45	insurance	insurance	NOUN
fsr-3442	292	46	.	.	PUNCT
fsr-3442	293	1	in	in	ADP
fsr-3442	293	2	addition	addition	NOUN
fsr-3442	293	3	,	,	PUNCT
fsr-3442	293	4	86.6	86.6	NUM
fsr-3442	293	5	%	%	NOUN
fsr-3442	293	6	of	of	ADP
fsr-3442	293	7	respondents	respondent	NOUN
fsr-3442	293	8	have	have	VERB
fsr-3442	293	9	an	an	DET
fsr-3442	293	10	emergency	emergency	NOUN
fsr-3442	293	11	fund	fund	NOUN
fsr-3442	293	12	(	(	PUNCT
fsr-3442	293	13	or	or	CCONJ
fsr-3442	293	14	are	be	AUX
fsr-3442	293	15	confident	confident	ADJ
fsr-3442	293	16	that	that	SCONJ
fsr-3442	293	17	they	they	PRON
fsr-3442	293	18	can	can	AUX
fsr-3442	293	19	borrow	borrow	VERB
fsr-3442	293	20	in	in	ADP
fsr-3442	293	21	an	an	DET
fsr-3442	293	22	urgent	urgent	ADJ
fsr-3442	293	23	situation	situation	NOUN
fsr-3442	293	24	)	)	PUNCT
fsr-3442	293	25	,	,	PUNCT
fsr-3442	293	26	but	but	CCONJ
fsr-3442	293	27	only	only	ADV
fsr-3442	293	28	25.4	25.4	NUM
fsr-3442	293	29	%	%	NOUN
fsr-3442	293	30	of	of	ADP
fsr-3442	293	31	respondents	respondent	NOUN
fsr-3442	293	32	have	have	VERB
fsr-3442	293	33	appropriate	appropriate	ADJ
fsr-3442	293	34	disability	disability	NOUN
fsr-3442	293	35	insurance	insurance	NOUN
fsr-3442	293	36	coverage	coverage	NOUN
fsr-3442	293	37	.	.	PUNCT
fsr-3442	294	1	based	base	VERB
fsr-3442	294	2	on	on	ADP
fsr-3442	294	3	these	these	DET
fsr-3442	294	4	variables	variable	NOUN
fsr-3442	294	5	,	,	PUNCT
fsr-3442	294	6	we	we	PRON
fsr-3442	294	7	construct	construct	VERB
fsr-3442	294	8	three	three	NUM
fsr-3442	294	9	positive	positive	ADJ
fsr-3442	294	10	behavior	behavior	NOUN
fsr-3442	294	11	proxies	proxy	NOUN
fsr-3442	294	12	.	.	PUNCT
fsr-3442	295	1	the	the	DET
fsr-3442	295	2	first	first	ADJ
fsr-3442	295	3	proxy	proxy	NOUN
fsr-3442	295	4	is	be	AUX
fsr-3442	295	5	the	the	DET
fsr-3442	295	6	number	number	NOUN
fsr-3442	295	7	of	of	ADP
fsr-3442	295	8	positive	positive	ADJ
fsr-3442	295	9	financial	financial	ADJ
fsr-3442	295	10	behaviors	behavior	NOUN
fsr-3442	295	11	adopted	adopt	VERB
fsr-3442	295	12	,	,	PUNCT
fsr-3442	295	13	that	that	ADV
fsr-3442	295	14	is	is	ADV
fsr-3442	295	15	,	,	PUNCT
fsr-3442	295	16	a	a	DET
fsr-3442	295	17	simple	simple	ADJ
fsr-3442	295	18	summation	summation	NOUN
fsr-3442	295	19	of	of	ADP
fsr-3442	295	20	these	these	DET
fsr-3442	295	21	13	13	NUM
fsr-3442	295	22	behavior	behavior	NOUN
fsr-3442	295	23	dummies	dummy	NOUN
fsr-3442	295	24	.	.	PUNCT
fsr-3442	296	1	the	the	DET
fsr-3442	296	2	second	second	ADJ
fsr-3442	296	3	proxy	proxy	NOUN
fsr-3442	296	4	is	be	AUX
fsr-3442	296	5	a	a	DET
fsr-3442	296	6	positive	positive	ADJ
fsr-3442	296	7	behavior	behavior	NOUN
fsr-3442	296	8	index	index	NOUN
fsr-3442	296	9	created	create	VERB
fsr-3442	296	10	through	through	ADP
fsr-3442	296	11	principal	principal	ADJ
fsr-3442	296	12	component	component	NOUN
fsr-3442	296	13	analysis	analysis	NOUN
fsr-3442	296	14	.	.	PUNCT
fsr-3442	297	1	finke	finke	PROPN
fsr-3442	297	2	and	and	CCONJ
fsr-3442	297	3	huston	huston	PROPN
fsr-3442	297	4	(	(	PUNCT
fsr-3442	297	5	2013	2013	NUM
fsr-3442	297	6	)	)	PUNCT
fsr-3442	297	7	use	use	VERB
fsr-3442	297	8	the	the	DET
fsr-3442	297	9	principal	principal	ADJ
fsr-3442	297	10	component	component	NOUN
fsr-3442	297	11	analysis	analysis	NOUN
fsr-3442	297	12	and	and	CCONJ
fsr-3442	297	13	construct	construct	VERB
fsr-3442	297	14	a	a	DET
fsr-3442	297	15	measure	measure	NOUN
fsr-3442	297	16	of	of	ADP
fsr-3442	297	17	time	time	NOUN
fsr-3442	297	18	preference	preference	NOUN
fsr-3442	297	19	through	through	ADP
fsr-3442	297	20	eight	eight	NUM
fsr-3442	297	21	financial	financial	ADJ
fsr-3442	297	22	decisions	decision	NOUN
fsr-3442	297	23	that	that	PRON
fsr-3442	297	24	indicate	indicate	VERB
fsr-3442	297	25	individual	individual	ADJ
fsr-3442	297	26	time	time	NOUN
fsr-3442	297	27	preference	preference	NOUN
fsr-3442	297	28	.	.	PUNCT
fsr-3442	298	1	letkiewicz	letkiewicz	PROPN
fsr-3442	298	2	,	,	PUNCT
fsr-3442	298	3	robinson	robinson	PROPN
fsr-3442	298	4	,	,	PUNCT
fsr-3442	298	5	and	and	CCONJ
fsr-3442	298	6	domian	domian	NOUN
fsr-3442	298	7	(	(	PUNCT
fsr-3442	298	8	2016	2016	NUM
fsr-3442	298	9	)	)	PUNCT
fsr-3442	298	10	apply	apply	VERB
fsr-3442	298	11	the	the	DET
fsr-3442	298	12	same	same	ADJ
fsr-3442	298	13	approach	approach	NOUN
fsr-3442	298	14	and	and	CCONJ
fsr-3442	298	15	create	create	VERB
fsr-3442	298	16	a	a	DET
fsr-3442	298	17	measure	measure	NOUN
fsr-3442	298	18	of	of	ADP
fsr-3442	298	19	financial	financial	ADJ
fsr-3442	298	20	self	self	NOUN
fsr-3442	298	21	-	-	PUNCT
fsr-3442	298	22	efficacy	efficacy	NOUN
fsr-3442	298	23	and	and	CCONJ
fsr-3442	298	24	a	a	DET
fsr-3442	298	25	measure	measure	NOUN
fsr-3442	298	26	of	of	ADP
fsr-3442	298	27	financial	financial	ADJ
fsr-3442	298	28	stress	stress	NOUN
fsr-3442	298	29	based	base	VERB
fsr-3442	298	30	on	on	ADP
fsr-3442	298	31	individuals	individual	NOUN
fsr-3442	298	32	’	'	PUNCT
fsr-3442	298	33	financial	financial	ADJ
fsr-3442	298	34	circumstances	circumstance	NOUN
fsr-3442	298	35	.	.	PUNCT
fsr-3442	299	1	following	follow	VERB
fsr-3442	299	2	their	their	PRON
fsr-3442	299	3	studies	study	NOUN
fsr-3442	299	4	,	,	PUNCT
fsr-3442	299	5	we	we	PRON
fsr-3442	299	6	construct	construct	VERB
fsr-3442	299	7	component	component	NOUN
fsr-3442	299	8	factors	factor	NOUN
fsr-3442	299	9	based	base	VERB
fsr-3442	299	10	on	on	ADP
fsr-3442	299	11	the	the	DET
fsr-3442	299	12	thirteen	thirteen	NUM
fsr-3442	299	13	positive	positive	ADJ
fsr-3442	299	14	financial	financial	ADJ
fsr-3442	299	15	behaviors	behavior	NOUN
fsr-3442	299	16	and	and	CCONJ
fsr-3442	299	17	select	select	VERB
fsr-3442	299	18	the	the	DET
fsr-3442	299	19	first	first	ADJ
fsr-3442	299	20	factor	factor	NOUN
fsr-3442	299	21	as	as	ADP
fsr-3442	299	22	our	our	PRON
fsr-3442	299	23	proxy	proxy	NOUN
fsr-3442	299	24	for	for	ADP
fsr-3442	299	25	the	the	DET
fsr-3442	299	26	positive	positive	ADJ
fsr-3442	299	27	financial	financial	ADJ
fsr-3442	299	28	behavior	behavior	NOUN
fsr-3442	299	29	.	.	PUNCT
fsr-3442	300	1	this	this	DET
fsr-3442	300	2	factor	factor	NOUN
fsr-3442	300	3	has	have	VERB
fsr-3442	300	4	an	an	DET
fsr-3442	300	5	eigenvalue	eigenvalue	NOUN
fsr-3442	300	6	of	of	ADP
fsr-3442	300	7	2.27	2.27	NUM
fsr-3442	300	8	and	and	CCONJ
fsr-3442	300	9	is	be	AUX
fsr-3442	300	10	the	the	DET
fsr-3442	300	11	only	only	ADJ
fsr-3442	300	12	factor	factor	NOUN
fsr-3442	300	13	with	with	ADP
fsr-3442	300	14	an	an	DET
fsr-3442	300	15	eigenvalue	eigenvalue	NOUN
fsr-3442	300	16	larger	large	ADJ
fsr-3442	300	17	than	than	ADP
fsr-3442	300	18	1.50	1.50	NUM
fsr-3442	300	19	.	.	PUNCT
fsr-3442	301	1	the	the	DET
fsr-3442	301	2	standardized	standardized	ADJ
fsr-3442	301	3	scoring	scoring	NOUN
fsr-3442	301	4	coefficient	coefficient	NOUN
fsr-3442	301	5	to	to	ADP
fsr-3442	301	6	each	each	DET
fsr-3442	301	7	behavior	behavior	NOUN
fsr-3442	301	8	dummy	dummy	ADJ
fsr-3442	301	9	variable	variable	NOUN
fsr-3442	301	10	is	be	AUX
fsr-3442	301	11	provided	provide	VERB
fsr-3442	301	12	in	in	ADP
fsr-3442	301	13	table	table	NOUN
fsr-3442	301	14	1	1	NUM
fsr-3442	301	15	.	.	PUNCT
fsr-3442	302	1	the	the	DET
fsr-3442	302	2	majority	majority	NOUN
fsr-3442	302	3	of	of	ADP
fsr-3442	302	4	the	the	DET
fsr-3442	302	5	behavior	behavior	NOUN
fsr-3442	302	6	dummy	dummy	NOUN
fsr-3442	302	7	variables	variable	NOUN
fsr-3442	302	8	carry	carry	VERB
fsr-3442	302	9	a	a	DET
fsr-3442	302	10	scoring	scoring	NOUN
fsr-3442	302	11	coefficient	coefficient	NOUN
fsr-3442	302	12	in	in	ADP
fsr-3442	302	13	a	a	DET
fsr-3442	302	14	narrow	narrow	ADJ
fsr-3442	302	15	range	range	NOUN
fsr-3442	302	16	of	of	ADP
fsr-3442	302	17	0.10	0.10	NUM
fsr-3442	302	18	and	and	CCONJ
fsr-3442	302	19	0.25	0.25	NUM
fsr-3442	302	20	,	,	PUNCT
fsr-3442	302	21	suggesting	suggest	VERB
fsr-3442	302	22	that	that	SCONJ
fsr-3442	302	23	most	most	ADJ
fsr-3442	302	24	of	of	ADP
fsr-3442	302	25	the	the	DET
fsr-3442	302	26	positive	positive	ADJ
fsr-3442	302	27	financial	financial	ADJ
fsr-3442	302	28	behaviors	behavior	NOUN
fsr-3442	302	29	included	include	VERB
fsr-3442	302	30	in	in	ADP
fsr-3442	302	31	this	this	DET
fsr-3442	302	32	study	study	NOUN
fsr-3442	302	33	contribute	contribute	VERB
fsr-3442	302	34	to	to	ADP
fsr-3442	302	35	the	the	DET
fsr-3442	302	36	measure	measure	NOUN
fsr-3442	302	37	of	of	ADP
fsr-3442	302	38	a	a	DET
fsr-3442	302	39	single	single	ADJ
fsr-3442	302	40	positive	positive	ADJ
fsr-3442	302	41	behavior	behavior	NOUN
fsr-3442	302	42	proxy	proxy	NOUN
fsr-3442	302	43	.	.	PUNCT
fsr-3442	303	1	last	last	ADJ
fsr-3442	303	2	,	,	PUNCT
fsr-3442	303	3	we	we	PRON
fsr-3442	303	4	also	also	ADV
fsr-3442	303	5	create	create	VERB
fsr-3442	303	6	a	a	DET
fsr-3442	303	7	dummy	dummy	ADJ
fsr-3442	303	8	variable	variable	NOUN
fsr-3442	303	9	to	to	PART
fsr-3442	303	10	indicate	indicate	VERB
fsr-3442	303	11	above	above	ADP
fsr-3442	303	12	-	-	PUNCT
fsr-3442	303	13	average	average	ADJ
fsr-3442	303	14	positive	positive	ADJ
fsr-3442	303	15	behavior	behavior	NOUN
fsr-3442	303	16	if	if	SCONJ
fsr-3442	303	17	a	a	DET
fsr-3442	303	18	respondent	respondent	NOUN
fsr-3442	303	19	’s	’s	PART
fsr-3442	303	20	positive	positive	ADJ
fsr-3442	303	21	behavior	behavior	NOUN
fsr-3442	303	22	index	index	NOUN
fsr-3442	303	23	score	score	NOUN
fsr-3442	303	24	is	be	AUX
fsr-3442	303	25	greater	great	ADJ
fsr-3442	303	26	than	than	ADP
fsr-3442	303	27	the	the	DET
fsr-3442	303	28	median	median	ADJ
fsr-3442	303	29	index	index	NOUN
fsr-3442	303	30	score	score	NOUN
fsr-3442	303	31	of	of	ADP
fsr-3442	303	32	the	the	DET
fsr-3442	303	33	full	full	ADJ
fsr-3442	303	34	weighted	weighted	ADJ
fsr-3442	303	35	sample	sample	NOUN
fsr-3442	303	36	.	.	PUNCT
fsr-3442	304	1	to	to	PART
fsr-3442	304	2	ease	ease	VERB
fsr-3442	304	3	our	our	PRON
fsr-3442	304	4	interpretation	interpretation	NOUN
fsr-3442	304	5	,	,	PUNCT
fsr-3442	304	6	for	for	ADP
fsr-3442	304	7	all	all	DET
fsr-3442	304	8	proxies	proxy	NOUN
fsr-3442	304	9	,	,	PUNCT
fsr-3442	304	10	the	the	PRON
fsr-3442	304	11	higher	high	ADJ
fsr-3442	304	12	the	the	DET
fsr-3442	304	13	score	score	NOUN
fsr-3442	304	14	,	,	PUNCT
fsr-3442	304	15	the	the	PRON
fsr-3442	304	16	more	more	ADV
fsr-3442	304	17	the	the	DET
fsr-3442	304	18	adoption	adoption	NOUN
fsr-3442	304	19	of	of	ADP
fsr-3442	304	20	financial	financial	ADJ
fsr-3442	304	21	behaviors	behavior	NOUN
fsr-3442	304	22	,	,	PUNCT
fsr-3442	304	23	and	and	CCONJ
fsr-3442	304	24	the	the	DET
fsr-3442	304	25	higher	high	ADJ
fsr-3442	304	26	lifetime	lifetime	NOUN
fsr-3442	304	27	utility	utility	NOUN
fsr-3442	304	28	.	.	PUNCT
fsr-3442	305	1	table	table	NOUN
fsr-3442	305	2	2	2	NUM
fsr-3442	305	3	presents	present	NOUN
fsr-3442	305	4	summary	summary	NOUN
fsr-3442	305	5	statistics	statistic	NOUN
fsr-3442	305	6	of	of	ADP
fsr-3442	305	7	our	our	PRON
fsr-3442	305	8	three	three	NUM
fsr-3442	305	9	positive	positive	ADJ
fsr-3442	305	10	financial	financial	ADJ
fsr-3442	305	11	behavior	behavior	NOUN
fsr-3442	305	12	proxies	proxy	NOUN
fsr-3442	305	13	for	for	ADP
fsr-3442	305	14	the	the	DET
fsr-3442	305	15	full	full	ADJ
fsr-3442	305	16	weighted	weighted	ADJ
fsr-3442	305	17	sample	sample	NOUN
fsr-3442	305	18	.	.	PUNCT
fsr-3442	306	1	the	the	DET
fsr-3442	306	2	range	range	NOUN
fsr-3442	306	3	of	of	ADP
fsr-3442	306	4	the	the	DET
fsr-3442	306	5	number	number	NOUN
fsr-3442	306	6	of	of	ADP
fsr-3442	306	7	positive	positive	ADJ
fsr-3442	306	8	financial	financial	ADJ
fsr-3442	306	9	behaviors	behavior	NOUN
fsr-3442	306	10	is	be	AUX
fsr-3442	306	11	from	from	ADP
fsr-3442	306	12	zero	zero	NUM
fsr-3442	306	13	to	to	ADP
fsr-3442	306	14	13	13	NUM
fsr-3442	306	15	.	.	PUNCT
fsr-3442	307	1	all	all	DET
fsr-3442	307	2	households	household	NOUN
fsr-3442	307	3	in	in	ADP
fsr-3442	307	4	the	the	DET
fsr-3442	307	5	sample	sample	NOUN
fsr-3442	307	6	report	report	NOUN
fsr-3442	307	7	engaging	engage	VERB
fsr-3442	307	8	in	in	ADP
fsr-3442	307	9	at	at	ADV
fsr-3442	307	10	least	least	ADV
fsr-3442	307	11	two	two	NUM
fsr-3442	307	12	positive	positive	ADJ
fsr-3442	307	13	financial	financial	ADJ
fsr-3442	307	14	behaviors	behavior	NOUN
fsr-3442	307	15	.	.	PUNCT
fsr-3442	308	1	the	the	DET
fsr-3442	308	2	mean	mean	ADJ
fsr-3442	308	3	and	and	CCONJ
fsr-3442	308	4	median	median	ADJ
fsr-3442	308	5	number	number	NOUN
fsr-3442	308	6	of	of	ADP
fsr-3442	308	7	positive	positive	ADJ
fsr-3442	308	8	financial	financial	ADJ
fsr-3442	308	9	behaviors	behavior	NOUN
fsr-3442	308	10	is	be	AUX
fsr-3442	308	11	nine	nine	NUM
fsr-3442	308	12	and	and	CCONJ
fsr-3442	308	13	10	10	NUM
fsr-3442	308	14	,	,	PUNCT
fsr-3442	308	15	respectively	respectively	ADV
fsr-3442	308	16	.	.	PUNCT
fsr-3442	309	1	the	the	DET
fsr-3442	309	2	majority	majority	NOUN
fsr-3442	309	3	of	of	ADP
fsr-3442	309	4	households	household	NOUN
fsr-3442	309	5	engage	engage	VERB
fsr-3442	309	6	in	in	ADP
fsr-3442	309	7	eight	eight	NUM
fsr-3442	309	8	to	to	PART
fsr-3442	309	9	12	12	NUM
fsr-3442	309	10	positive	positive	ADJ
fsr-3442	309	11	financial	financial	ADJ
fsr-3442	309	12	behaviors	behavior	NOUN
fsr-3442	309	13	but	but	CCONJ
fsr-3442	309	14	only	only	ADV
fsr-3442	309	15	4.28	4.28	NUM
fsr-3442	309	16	%	%	NOUN
fsr-3442	309	17	of	of	ADP
fsr-3442	309	18	them	they	PRON
fsr-3442	309	19	have	have	AUX
fsr-3442	309	20	engaged	engage	VERB
fsr-3442	309	21	in	in	ADP
fsr-3442	309	22	all	all	PRON
fsr-3442	309	23	of	of	ADP
fsr-3442	309	24	them	they	PRON
fsr-3442	309	25	.	.	PUNCT
fsr-3442	310	1	the	the	DET
fsr-3442	310	2	mean	mean	NOUN
fsr-3442	310	3	and	and	CCONJ
fsr-3442	310	4	median	median	NOUN
fsr-3442	310	5	of	of	ADP
fsr-3442	310	6	the	the	DET
fsr-3442	310	7	index	index	NOUN
fsr-3442	310	8	are	be	AUX
fsr-3442	310	9	provided	provide	VERB
fsr-3442	310	10	in	in	ADP
fsr-3442	310	11	table	table	NOUN
fsr-3442	310	12	2	2	NUM
fsr-3442	310	13	.	.	PUNCT
fsr-3442	310	14	q.	q.	PROPN
fsr-3442	310	15	bi	bi	PROPN
fsr-3442	310	16	et	et	PROPN
fsr-3442	310	17	al	al	PROPN
fsr-3442	310	18	.	.	PUNCT
fsr-3442	310	19	/	/	SYM
fsr-3442	310	20	financial	financial	ADJ
fsr-3442	310	21	services	service	NOUN
fsr-3442	310	22	review	review	VERB
fsr-3442	310	23	29	29	NUM
fsr-3442	310	24	(	(	PUNCT
fsr-3442	310	25	2021	2021	NUM
fsr-3442	310	26	)	)	PUNCT
fsr-3442	310	27	29–54	29–54	NUM
fsr-3442	310	28	39	39	NUM
fsr-3442	310	29	3.2	3.2	NUM
fsr-3442	310	30	.	.	PUNCT
fsr-3442	311	1	independent	independent	ADJ
fsr-3442	311	2	variables	variable	NOUN
fsr-3442	311	3	on	on	ADP
fsr-3442	311	4	personal	personal	ADJ
fsr-3442	311	5	finance	finance	NOUN
fsr-3442	311	6	-	-	PUNCT
fsr-3442	311	7	specific	specific	ADJ
fsr-3442	311	8	human	human	ADJ
fsr-3442	311	9	capital	capital	NOUN
fsr-3442	311	10	personal	personal	ADJ
fsr-3442	311	11	finance	finance	NOUN
fsr-3442	311	12	-	-	PUNCT
fsr-3442	311	13	related	relate	VERB
fsr-3442	311	14	human	human	ADJ
fsr-3442	311	15	capital	capital	NOUN
fsr-3442	311	16	illustrates	illustrate	VERB
fsr-3442	311	17	how	how	SCONJ
fsr-3442	311	18	well	well	ADV
fsr-3442	311	19	an	an	DET
fsr-3442	311	20	individual	individual	ADJ
fsr-3442	311	21	understands	understand	VERB
fsr-3442	311	22	and	and	CCONJ
fsr-3442	311	23	potentially	potentially	ADV
fsr-3442	311	24	uses	use	VERB
fsr-3442	311	25	personal	personal	ADJ
fsr-3442	311	26	finance	finance	NOUN
fsr-3442	311	27	-	-	PUNCT
fsr-3442	311	28	related	relate	VERB
fsr-3442	311	29	information	information	NOUN
fsr-3442	311	30	to	to	PART
fsr-3442	311	31	increase	increase	VERB
fsr-3442	311	32	expected	expect	VERB
fsr-3442	311	33	lifetime	lifetime	NOUN
fsr-3442	311	34	utility	utility	NOUN
fsr-3442	311	35	from	from	ADP
fsr-3442	311	36	consumption	consumption	NOUN
fsr-3442	311	37	(	(	PUNCT
fsr-3442	311	38	huston	huston	PROPN
fsr-3442	311	39	,	,	PUNCT
fsr-3442	311	40	2010	2010	NUM
fsr-3442	311	41	)	)	PUNCT
fsr-3442	311	42	.	.	PUNCT
fsr-3442	312	1	from	from	ADP
fsr-3442	312	2	this	this	DET
fsr-3442	312	3	perspective	perspective	NOUN
fsr-3442	312	4	,	,	PUNCT
fsr-3442	312	5	financial	financial	ADJ
fsr-3442	312	6	technology	technology	NOUN
fsr-3442	312	7	is	be	AUX
fsr-3442	312	8	part	part	NOUN
fsr-3442	312	9	of	of	ADP
fsr-3442	312	10	the	the	DET
fsr-3442	312	11	personal	personal	ADJ
fsr-3442	312	12	finance	finance	NOUN
fsr-3442	312	13	-	-	PUNCT
fsr-3442	312	14	related	relate	VERB
fsr-3442	312	15	human	human	ADJ
fsr-3442	312	16	capital	capital	NOUN
fsr-3442	312	17	,	,	PUNCT
fsr-3442	312	18	which	which	PRON
fsr-3442	312	19	indicates	indicate	VERB
fsr-3442	312	20	how	how	SCONJ
fsr-3442	312	21	well	well	ADV
fsr-3442	312	22	an	an	DET
fsr-3442	312	23	individual	individual	NOUN
fsr-3442	312	24	can	can	AUX
fsr-3442	312	25	use	use	VERB
fsr-3442	312	26	technology	technology	NOUN
fsr-3442	312	27	to	to	PART
fsr-3442	312	28	help	help	VERB
fsr-3442	312	29	manage	manage	VERB
fsr-3442	312	30	household	household	NOUN
fsr-3442	312	31	resources	resource	NOUN
fsr-3442	312	32	or	or	CCONJ
fsr-3442	312	33	finances	finance	NOUN
fsr-3442	312	34	.	.	PUNCT
fsr-3442	313	1	in	in	ADP
fsr-3442	313	2	this	this	DET
fsr-3442	313	3	study	study	NOUN
fsr-3442	313	4	,	,	PUNCT
fsr-3442	313	5	we	we	PRON
fsr-3442	313	6	use	use	VERB
fsr-3442	313	7	the	the	DET
fsr-3442	313	8	following	follow	VERB
fsr-3442	313	9	financial	financial	ADJ
fsr-3442	313	10	behaviors	behavior	NOUN
fsr-3442	313	11	available	available	ADJ
fsr-3442	313	12	from	from	ADP
fsr-3442	313	13	scf	scf	PROPN
fsr-3442	313	14	and	and	CCONJ
fsr-3442	313	15	create	create	VERB
fsr-3442	313	16	seven	seven	NUM
fsr-3442	313	17	dummy	dummy	ADJ
fsr-3442	313	18	variables	variable	NOUN
fsr-3442	313	19	to	to	PART
fsr-3442	313	20	measure	measure	VERB
fsr-3442	313	21	personal	personal	ADJ
fsr-3442	313	22	finance	finance	NOUN
fsr-3442	313	23	-	-	PUNCT
fsr-3442	313	24	specific	specific	ADJ
fsr-3442	313	25	human	human	ADJ
fsr-3442	313	26	capital	capital	NOUN
fsr-3442	313	27	.	.	PUNCT
fsr-3442	314	1	3.2.1	3.2.1	NUM
fsr-3442	314	2	.	.	PUNCT
fsr-3442	314	3	transaction	transaction	NOUN
fsr-3442	314	4	-	-	PUNCT
fsr-3442	314	5	based	base	VERB
fsr-3442	314	6	financial	financial	ADJ
fsr-3442	314	7	technologies	technology	NOUN
fsr-3442	314	8	atm	atm	NOUN
fsr-3442	314	9	card	card	NOUN
fsr-3442	314	10	:	:	PUNCT
fsr-3442	314	11	“	"	PUNCT
fsr-3442	314	12	an	an	DET
fsr-3442	314	13	electronic	electronic	ADJ
fsr-3442	314	14	terminal	terminal	NOUN
fsr-3442	314	15	provided	provide	VERB
fsr-3442	314	16	by	by	ADP
fsr-3442	314	17	financial	financial	ADJ
fsr-3442	314	18	institutions	institution	NOUN
fsr-3442	314	19	and	and	CCONJ
fsr-3442	314	20	other	other	ADJ
fsr-3442	314	21	firms	firm	NOUN
fsr-3442	314	22	that	that	PRON
fsr-3442	314	23	permits	permit	VERB
fsr-3442	314	24	consumers	consumer	NOUN
fsr-3442	314	25	to	to	PART
fsr-3442	314	26	withdraw	withdraw	VERB
fsr-3442	314	27	cash	cash	NOUN
fsr-3442	314	28	from	from	ADP
fsr-3442	314	29	their	their	PRON
fsr-3442	314	30	bank	bank	NOUN
fsr-3442	314	31	accounts	account	NOUN
fsr-3442	314	32	,	,	PUNCT
fsr-3442	314	33	make	make	VERB
fsr-3442	314	34	deposits	deposit	NOUN
fsr-3442	314	35	,	,	PUNCT
fsr-3442	314	36	check	check	VERB
fsr-3442	314	37	balances	balance	NOUN
fsr-3442	314	38	,	,	PUNCT
fsr-3442	314	39	and	and	CCONJ
fsr-3442	314	40	transfer	transfer	NOUN
fsr-3442	314	41	funds	fund	NOUN
fsr-3442	314	42	”	"	PUNCT
fsr-3442	314	43	(	(	PUNCT
fsr-3442	314	44	anguelov	anguelov	NOUN
fsr-3442	314	45	,	,	PUNCT
fsr-3442	314	46	hilgert	hilgert	PROPN
fsr-3442	314	47	,	,	PUNCT
fsr-3442	314	48	&	&	CCONJ
fsr-3442	314	49	hogarth	hogarth	NOUN
fsr-3442	314	50	,	,	PUNCT
fsr-3442	314	51	2004	2004	NUM
fsr-3442	314	52	)	)	PUNCT
fsr-3442	314	53	.	.	PUNCT
fsr-3442	315	1	credit	credit	NOUN
fsr-3442	315	2	card	card	NOUN
fsr-3442	315	3	:	:	PUNCT
fsr-3442	315	4	using	use	VERB
fsr-3442	315	5	credit	credit	NOUN
fsr-3442	315	6	cards	card	NOUN
fsr-3442	315	7	allows	allow	VERB
fsr-3442	315	8	households	household	NOUN
fsr-3442	315	9	to	to	PART
fsr-3442	315	10	borrow	borrow	VERB
fsr-3442	315	11	up	up	ADP
fsr-3442	315	12	to	to	ADP
fsr-3442	315	13	the	the	DET
fsr-3442	315	14	credit	credit	NOUN
fsr-3442	315	15	limit	limit	NOUN
fsr-3442	315	16	,	,	PUNCT
fsr-3442	315	17	build	build	VERB
fsr-3442	315	18	good	good	ADJ
fsr-3442	315	19	credit	credit	NOUN
fsr-3442	315	20	,	,	PUNCT
fsr-3442	315	21	reap	reap	VERB
fsr-3442	315	22	rewards	reward	NOUN
fsr-3442	315	23	,	,	PUNCT
fsr-3442	315	24	and	and	CCONJ
fsr-3442	315	25	make	make	VERB
fsr-3442	315	26	payments	payment	NOUN
fsr-3442	315	27	for	for	ADP
fsr-3442	315	28	online	online	ADJ
fsr-3442	315	29	merchandise	merchandise	NOUN
fsr-3442	315	30	easier	easy	ADJ
fsr-3442	315	31	.	.	PUNCT
fsr-3442	316	1	however	however	ADV
fsr-3442	316	2	,	,	PUNCT
fsr-3442	316	3	we	we	PRON
fsr-3442	316	4	consider	consider	VERB
fsr-3442	316	5	borrowing	borrow	VERB
fsr-3442	316	6	too	too	ADV
fsr-3442	316	7	much	much	ADV
fsr-3442	316	8	without	without	ADP
fsr-3442	316	9	an	an	DET
fsr-3442	316	10	appropriate	appropriate	ADJ
fsr-3442	316	11	repayment	repayment	NOUN
fsr-3442	316	12	schedule	schedule	NOUN
fsr-3442	316	13	as	as	ADP
fsr-3442	316	14	bad	bad	ADJ
fsr-3442	316	15	financial	financial	ADJ
fsr-3442	316	16	behavior	behavior	NOUN
fsr-3442	316	17	because	because	SCONJ
fsr-3442	316	18	of	of	ADP
fsr-3442	316	19	the	the	DET
fsr-3442	316	20	high	high	ADJ
fsr-3442	316	21	interest	interest	NOUN
fsr-3442	316	22	and	and	CCONJ
fsr-3442	316	23	fees	fee	NOUN
fsr-3442	316	24	on	on	ADP
fsr-3442	316	25	the	the	DET
fsr-3442	316	26	unpaid	unpaid	ADJ
fsr-3442	316	27	amount	amount	NOUN
fsr-3442	316	28	and	and	CCONJ
fsr-3442	316	29	the	the	DET
fsr-3442	316	30	negative	negative	ADJ
fsr-3442	316	31	impact	impact	NOUN
fsr-3442	316	32	on	on	ADP
fsr-3442	316	33	their	their	PRON
fsr-3442	316	34	credit	credit	NOUN
fsr-3442	316	35	record	record	NOUN
fsr-3442	316	36	.	.	PUNCT
fsr-3442	317	1	table	table	NOUN
fsr-3442	317	2	2	2	NUM
fsr-3442	317	3	descriptive	descriptive	ADJ
fsr-3442	317	4	statistics	statistic	NOUN
fsr-3442	317	5	of	of	ADP
fsr-3442	317	6	dependent	dependent	ADJ
fsr-3442	317	7	variables	variable	NOUN
fsr-3442	317	8	:	:	PUNCT
fsr-3442	317	9	positive	positive	ADJ
fsr-3442	317	10	financial	financial	ADJ
fsr-3442	317	11	behavior	behavior	NOUN
fsr-3442	317	12	proxies	proxy	NOUN
fsr-3442	317	13	number	number	NOUN
fsr-3442	317	14	of	of	ADP
fsr-3442	317	15	positive	positive	ADJ
fsr-3442	317	16	financial	financial	ADJ
fsr-3442	317	17	behaviors	behavior	NOUN
fsr-3442	317	18	banked	bank	VERB
fsr-3442	317	19	households	household	NOUN
fsr-3442	317	20	%	%	NOUN
fsr-3442	317	21	panel	panel	NOUN
fsr-3442	317	22	a	a	DET
fsr-3442	317	23	:	:	PUNCT
fsr-3442	317	24	number	number	NOUN
fsr-3442	317	25	of	of	ADP
fsr-3442	317	26	positive	positive	ADJ
fsr-3442	317	27	financial	financial	ADJ
fsr-3442	317	28	behaviors	behavior	NOUN
fsr-3442	317	29	zero	zero	NUM
fsr-3442	317	30	0	0	NUM
fsr-3442	317	31	one	one	NUM
fsr-3442	317	32	0	0	NUM
fsr-3442	317	33	two	two	NUM
fsr-3442	317	34	0.03	0.03	NUM
fsr-3442	317	35	three	three	NUM
fsr-3442	317	36	0.33	0.33	NUM
fsr-3442	317	37	four	four	NUM
fsr-3442	317	38	0.91	0.91	NUM
fsr-3442	317	39	five	five	NUM
fsr-3442	317	40	2.05	2.05	NUM
fsr-3442	317	41	six	six	NUM
fsr-3442	317	42	5.62	5.62	NUM
fsr-3442	317	43	seven	seven	NUM
fsr-3442	317	44	9.4	9.4	NUM
fsr-3442	317	45	eight	eight	NUM
fsr-3442	317	46	13.33	13.33	NUM
fsr-3442	317	47	nine	nine	NUM
fsr-3442	317	48	16.48	16.48	NUM
fsr-3442	317	49	ten	ten	NUM
fsr-3442	317	50	17.35	17.35	NUM
fsr-3442	317	51	eleven	eleven	NUM
fsr-3442	317	52	17.36	17.36	NUM
fsr-3442	317	53	twelve	twelve	NUM
fsr-3442	317	54	12.88	12.88	NUM
fsr-3442	317	55	thirteen	thirteen	NUM
fsr-3442	317	56	4.28	4.28	NUM
fsr-3442	317	57	mean	mean	NOUN
fsr-3442	317	58	9.44	9.44	NUM
fsr-3442	317	59	median	median	NOUN
fsr-3442	317	60	10	10	NUM
fsr-3442	317	61	panel	panel	NOUN
fsr-3442	317	62	b	b	NOUN
fsr-3442	317	63	:	:	PUNCT
fsr-3442	317	64	principle	principle	ADJ
fsr-3442	317	65	component	component	NOUN
fsr-3442	317	66	index	index	NOUN
fsr-3442	317	67	mean	mean	VERB
fsr-3442	317	68	�	�	PROPN
fsr-3442	317	69	0.153	0.153	NUM
fsr-3442	317	70	median	median	PROPN
fsr-3442	317	71	�	�	PROPN
fsr-3442	317	72	0.011	0.011	NUM
fsr-3442	317	73	panel	panel	NOUN
fsr-3442	317	74	c	c	NOUN
fsr-3442	317	75	:	:	PUNCT
fsr-3442	317	76	above	above	ADJ
fsr-3442	317	77	-	-	PUNCT
fsr-3442	317	78	average	average	ADJ
fsr-3442	317	79	positive	positive	ADJ
fsr-3442	317	80	behavior	behavior	NOUN
fsr-3442	317	81	mean	mean	VERB
fsr-3442	317	82	0.500	0.500	NUM
fsr-3442	317	83	median	median	NOUN
fsr-3442	317	84	0.000	0.000	NUM
fsr-3442	317	85	40	40	NUM
fsr-3442	317	86	q.	q.	NOUN
fsr-3442	317	87	bi	bi	NOUN
fsr-3442	317	88	et	et	PROPN
fsr-3442	317	89	al	al	PROPN
fsr-3442	317	90	.	.	PUNCT
fsr-3442	317	91	/	/	SYM
fsr-3442	317	92	financial	financial	ADJ
fsr-3442	317	93	services	service	NOUN
fsr-3442	317	94	review	review	VERB
fsr-3442	317	95	29	29	NUM
fsr-3442	317	96	(	(	PUNCT
fsr-3442	317	97	2021	2021	NUM
fsr-3442	317	98	)	)	PUNCT
fsr-3442	317	99	29–54	29–54	NUM
fsr-3442	317	100	phone	phone	NOUN
fsr-3442	317	101	banking	banking	NOUN
fsr-3442	317	102	:	:	PUNCT
fsr-3442	317	103	phone	phone	NOUN
fsr-3442	317	104	banking	banking	NOUN
fsr-3442	317	105	provides	provide	VERB
fsr-3442	317	106	households	household	NOUN
fsr-3442	317	107	an	an	DET
fsr-3442	317	108	immediate	immediate	ADJ
fsr-3442	317	109	solution	solution	NOUN
fsr-3442	317	110	to	to	ADP
fsr-3442	317	111	emergency	emergency	NOUN
fsr-3442	317	112	issues	issue	NOUN
fsr-3442	317	113	such	such	ADJ
fsr-3442	317	114	as	as	ADP
fsr-3442	317	115	reporting	report	VERB
fsr-3442	317	116	a	a	DET
fsr-3442	317	117	stolen	steal	VERB
fsr-3442	317	118	or	or	CCONJ
fsr-3442	317	119	lost	lose	VERB
fsr-3442	317	120	card	card	NOUN
fsr-3442	317	121	,	,	PUNCT
fsr-3442	317	122	applying	apply	VERB
fsr-3442	317	123	for	for	ADP
fsr-3442	317	124	new	new	ADJ
fsr-3442	317	125	credit	credit	NOUN
fsr-3442	317	126	cards	card	NOUN
fsr-3442	317	127	,	,	PUNCT
fsr-3442	317	128	checking	check	VERB
fsr-3442	317	129	account	account	NOUN
fsr-3442	317	130	balances	balance	NOUN
fsr-3442	317	131	,	,	PUNCT
fsr-3442	317	132	etc	etc	X
fsr-3442	317	133	.	.	X
fsr-3442	317	134	mobile	mobile	ADJ
fsr-3442	317	135	banking	banking	NOUN
fsr-3442	317	136	has	have	AUX
fsr-3442	317	137	also	also	ADV
fsr-3442	317	138	been	be	AUX
fsr-3442	317	139	developed	develop	VERB
fsr-3442	317	140	very	very	ADV
fsr-3442	317	141	fast	fast	ADV
fsr-3442	317	142	recently	recently	ADV
fsr-3442	317	143	.	.	PUNCT
fsr-3442	318	1	phone	phone	NOUN
fsr-3442	318	2	banking	banking	NOUN
fsr-3442	318	3	makes	make	VERB
fsr-3442	318	4	it	it	PRON
fsr-3442	318	5	very	very	ADV
fsr-3442	318	6	convenient	convenient	ADJ
fsr-3442	318	7	for	for	SCONJ
fsr-3442	318	8	households	household	NOUN
fsr-3442	318	9	to	to	PART
fsr-3442	318	10	solve	solve	VERB
fsr-3442	318	11	banking	banking	NOUN
fsr-3442	318	12	related	relate	VERB
fsr-3442	318	13	financial	financial	ADJ
fsr-3442	318	14	problems	problem	NOUN
fsr-3442	318	15	so	so	SCONJ
fsr-3442	318	16	they	they	PRON
fsr-3442	318	17	can	can	AUX
fsr-3442	318	18	better	well	ADV
fsr-3442	318	19	manage	manage	VERB
fsr-3442	318	20	their	their	PRON
fsr-3442	318	21	money	money	NOUN
fsr-3442	318	22	.	.	PUNCT
fsr-3442	319	1	computer	computer	NOUN
fsr-3442	319	2	banking	banking	NOUN
fsr-3442	319	3	:	:	PUNCT
fsr-3442	319	4	“	"	PUNCT
fsr-3442	319	5	banking	banking	NOUN
fsr-3442	319	6	services	service	NOUN
fsr-3442	319	7	that	that	PRON
fsr-3442	319	8	consumers	consumer	NOUN
fsr-3442	319	9	can	can	AUX
fsr-3442	319	10	access	access	VERB
fsr-3442	319	11	,	,	PUNCT
fsr-3442	319	12	by	by	ADP
fsr-3442	319	13	using	use	VERB
fsr-3442	319	14	an	an	DET
fsr-3442	319	15	internet	internet	NOUN
fsr-3442	319	16	connection	connection	NOUN
fsr-3442	319	17	to	to	ADP
fsr-3442	319	18	a	a	DET
fsr-3442	319	19	bank	bank	NOUN
fsr-3442	319	20	’s	’s	PART
fsr-3442	319	21	computer	computer	NOUN
fsr-3442	319	22	center	center	NOUN
fsr-3442	319	23	,	,	PUNCT
fsr-3442	319	24	to	to	PART
fsr-3442	319	25	perform	perform	VERB
fsr-3442	319	26	banking	banking	NOUN
fsr-3442	319	27	tasks	task	NOUN
fsr-3442	319	28	,	,	PUNCT
fsr-3442	319	29	receive	receive	VERB
fsr-3442	319	30	and	and	CCONJ
fsr-3442	319	31	pay	pay	VERB
fsr-3442	319	32	bills	bill	NOUN
fsr-3442	319	33	,	,	PUNCT
fsr-3442	319	34	and	and	CCONJ
fsr-3442	319	35	so	so	ADV
fsr-3442	319	36	forth	forth	ADV
fsr-3442	319	37	(	(	PUNCT
fsr-3442	319	38	anguelov	anguelov	PROPN
fsr-3442	319	39	,	,	PUNCT
fsr-3442	319	40	hilgert	hilgert	PROPN
fsr-3442	319	41	,	,	PUNCT
fsr-3442	319	42	&	&	CCONJ
fsr-3442	319	43	hogarth	hogarth	NOUN
fsr-3442	319	44	,	,	PUNCT
fsr-3442	319	45	2004	2004	NUM
fsr-3442	319	46	)	)	PUNCT
fsr-3442	319	47	.	.	PUNCT
fsr-3442	320	1	computer	computer	NOUN
fsr-3442	320	2	banking	banking	NOUN
fsr-3442	320	3	allows	allow	VERB
fsr-3442	320	4	the	the	DET
fsr-3442	320	5	households	household	NOUN
fsr-3442	320	6	to	to	PART
fsr-3442	320	7	manage	manage	VERB
fsr-3442	320	8	their	their	PRON
fsr-3442	320	9	accounts	account	NOUN
fsr-3442	320	10	wherever	wherever	SCONJ
fsr-3442	320	11	they	they	PRON
fsr-3442	320	12	are	be	AUX
fsr-3442	320	13	as	as	ADV
fsr-3442	320	14	long	long	ADV
fsr-3442	320	15	as	as	SCONJ
fsr-3442	320	16	they	they	PRON
fsr-3442	320	17	have	have	VERB
fsr-3442	320	18	computers	computer	NOUN
fsr-3442	320	19	and	and	CCONJ
fsr-3442	320	20	internet	internet	NOUN
fsr-3442	320	21	access	access	NOUN
fsr-3442	320	22	.	.	PUNCT
fsr-3442	321	1	computer	computer	NOUN
fsr-3442	321	2	banking	banking	NOUN
fsr-3442	321	3	allows	allow	VERB
fsr-3442	321	4	households	household	NOUN
fsr-3442	321	5	to	to	PART
fsr-3442	321	6	check	check	VERB
fsr-3442	321	7	account	account	NOUN
fsr-3442	321	8	balances	balance	NOUN
fsr-3442	321	9	,	,	PUNCT
fsr-3442	321	10	make	make	VERB
fsr-3442	321	11	electronic	electronic	ADJ
fsr-3442	321	12	transfers	transfer	NOUN
fsr-3442	321	13	,	,	PUNCT
fsr-3442	321	14	transfer	transfer	VERB
fsr-3442	321	15	money	money	NOUN
fsr-3442	321	16	into	into	ADP
fsr-3442	321	17	designated	designate	VERB
fsr-3442	321	18	saving	saving	NOUN
fsr-3442	321	19	accounts	account	NOUN
fsr-3442	321	20	,	,	PUNCT
fsr-3442	321	21	keep	keep	VERB
fsr-3442	321	22	themselves	themselves	PRON
fsr-3442	321	23	updated	update	VERB
fsr-3442	321	24	on	on	ADP
fsr-3442	321	25	new	new	ADJ
fsr-3442	321	26	banking	banking	NOUN
fsr-3442	321	27	services	service	NOUN
fsr-3442	321	28	or	or	CCONJ
fsr-3442	321	29	receive	receive	VERB
fsr-3442	321	30	important	important	ADJ
fsr-3442	321	31	warnings	warning	NOUN
fsr-3442	321	32	from	from	ADP
fsr-3442	321	33	financial	financial	ADJ
fsr-3442	321	34	institutions	institution	NOUN
fsr-3442	321	35	,	,	PUNCT
fsr-3442	321	36	and	and	CCONJ
fsr-3442	321	37	so	so	ADV
fsr-3442	321	38	on	on	ADV
fsr-3442	321	39	.	.	PUNCT
fsr-3442	322	1	it	it	PRON
fsr-3442	322	2	provides	provide	VERB
fsr-3442	322	3	a	a	DET
fsr-3442	322	4	convenient	convenient	ADJ
fsr-3442	322	5	channel	channel	NOUN
fsr-3442	322	6	for	for	SCONJ
fsr-3442	322	7	households	household	NOUN
fsr-3442	322	8	to	to	PART
fsr-3442	322	9	manage	manage	VERB
fsr-3442	322	10	their	their	PRON
fsr-3442	322	11	finance	finance	NOUN
fsr-3442	322	12	with	with	ADP
fsr-3442	322	13	almost	almost	ADV
fsr-3442	322	14	no	no	PRON
fsr-3442	322	15	costs	cost	NOUN
fsr-3442	322	16	.	.	PUNCT
fsr-3442	323	1	3.2.2	3.2.2	X
fsr-3442	323	2	.	.	X
fsr-3442	323	3	planning	planning	NOUN
fsr-3442	323	4	-	-	PUNCT
fsr-3442	323	5	based	base	VERB
fsr-3442	323	6	financial	financial	ADJ
fsr-3442	323	7	technologies	technology	NOUN
fsr-3442	323	8	preauthorized	preauthorized	ADJ
fsr-3442	323	9	debit	debit	NOUN
fsr-3442	323	10	:	:	PUNCT
fsr-3442	323	11	“	"	PUNCT
fsr-3442	323	12	a	a	DET
fsr-3442	323	13	form	form	NOUN
fsr-3442	323	14	of	of	ADP
fsr-3442	323	15	payment	payment	NOUN
fsr-3442	323	16	that	that	PRON
fsr-3442	323	17	allows	allow	VERB
fsr-3442	323	18	a	a	DET
fsr-3442	323	19	consumer	consumer	NOUN
fsr-3442	323	20	to	to	PART
fsr-3442	323	21	authorize	authorize	VERB
fsr-3442	323	22	automatic	automatic	ADJ
fsr-3442	323	23	payment	payment	NOUN
fsr-3442	323	24	of	of	ADP
fsr-3442	323	25	regular	regular	ADJ
fsr-3442	323	26	,	,	PUNCT
fsr-3442	323	27	recurring	recur	VERB
fsr-3442	323	28	bills	bill	NOUN
fsr-3442	323	29	from	from	ADP
fsr-3442	323	30	his	his	PRON
fsr-3442	323	31	or	or	CCONJ
fsr-3442	323	32	her	her	PRON
fsr-3442	323	33	account	account	NOUN
fsr-3442	323	34	on	on	ADP
fsr-3442	323	35	a	a	DET
fsr-3442	323	36	specific	specific	ADJ
fsr-3442	323	37	date	date	NOUN
fsr-3442	323	38	,	,	PUNCT
fsr-3442	323	39	and	and	CCONJ
fsr-3442	323	40	usually	usually	ADV
fsr-3442	323	41	for	for	ADP
fsr-3442	323	42	a	a	DET
fsr-3442	323	43	specific	specific	ADJ
fsr-3442	323	44	amount	amount	NOUN
fsr-3442	323	45	”	"	PUNCT
fsr-3442	323	46	(	(	PUNCT
fsr-3442	323	47	anguelov	anguelov	NOUN
fsr-3442	323	48	,	,	PUNCT
fsr-3442	323	49	hilgert	hilgert	PROPN
fsr-3442	323	50	,	,	PUNCT
fsr-3442	323	51	&	&	CCONJ
fsr-3442	323	52	hogarth	hogarth	NOUN
fsr-3442	323	53	,	,	PUNCT
fsr-3442	323	54	2004	2004	NUM
fsr-3442	323	55	)	)	PUNCT
fsr-3442	323	56	.	.	PUNCT
fsr-3442	324	1	for	for	ADP
fsr-3442	324	2	example	example	NOUN
fsr-3442	324	3	,	,	PUNCT
fsr-3442	324	4	households	household	NOUN
fsr-3442	324	5	use	use	VERB
fsr-3442	324	6	pre	pre	ADJ
fsr-3442	324	7	-	-	ADJ
fsr-3442	324	8	authorized	authorized	ADJ
fsr-3442	324	9	debit	debit	NOUN
fsr-3442	324	10	to	to	PART
fsr-3442	324	11	set	set	VERB
fsr-3442	324	12	up	up	ADP
fsr-3442	324	13	automatic	automatic	ADJ
fsr-3442	324	14	car	car	NOUN
fsr-3442	324	15	payments	payment	NOUN
fsr-3442	324	16	,	,	PUNCT
fsr-3442	324	17	housing	housing	NOUN
fsr-3442	324	18	payments	payment	NOUN
fsr-3442	324	19	,	,	PUNCT
fsr-3442	324	20	utility	utility	NOUN
fsr-3442	324	21	bills	bill	NOUN
fsr-3442	324	22	,	,	PUNCT
fsr-3442	324	23	and	and	CCONJ
fsr-3442	324	24	so	so	ADV
fsr-3442	324	25	on	on	ADV
fsr-3442	324	26	.	.	PUNCT
fsr-3442	325	1	this	this	DET
fsr-3442	325	2	method	method	NOUN
fsr-3442	325	3	makes	make	VERB
fsr-3442	325	4	it	it	PRON
fsr-3442	325	5	easier	easy	ADJ
fsr-3442	325	6	for	for	SCONJ
fsr-3442	325	7	the	the	DET
fsr-3442	325	8	households	household	NOUN
fsr-3442	325	9	to	to	PART
fsr-3442	325	10	make	make	VERB
fsr-3442	325	11	their	their	PRON
fsr-3442	325	12	payments	payment	NOUN
fsr-3442	325	13	on	on	ADP
fsr-3442	325	14	time	time	NOUN
fsr-3442	325	15	.	.	PUNCT
fsr-3442	326	1	direct	direct	ADJ
fsr-3442	326	2	deposit	deposit	NOUN
fsr-3442	326	3	:	:	PUNCT
fsr-3442	326	4	“	"	PUNCT
fsr-3442	326	5	a	a	DET
fsr-3442	326	6	form	form	NOUN
fsr-3442	326	7	of	of	ADP
fsr-3442	326	8	payment	payment	NOUN
fsr-3442	326	9	by	by	ADP
fsr-3442	326	10	which	which	PRON
fsr-3442	326	11	an	an	DET
fsr-3442	326	12	organization	organization	NOUN
fsr-3442	326	13	pays	pay	VERB
fsr-3442	326	14	funds	fund	NOUN
fsr-3442	326	15	via	via	ADP
fsr-3442	326	16	an	an	DET
fsr-3442	326	17	electronic	electronic	ADJ
fsr-3442	326	18	transfer	transfer	NOUN
fsr-3442	326	19	”	"	PUNCT
fsr-3442	326	20	(	(	PUNCT
fsr-3442	326	21	anguelov	anguelov	NOUN
fsr-3442	326	22	,	,	PUNCT
fsr-3442	326	23	hilgert	hilgert	PROPN
fsr-3442	326	24	,	,	PUNCT
fsr-3442	326	25	&	&	CCONJ
fsr-3442	326	26	hogarth	hogarth	NOUN
fsr-3442	326	27	,	,	PUNCT
fsr-3442	326	28	2004	2004	NUM
fsr-3442	326	29	)	)	PUNCT
fsr-3442	326	30	.	.	PUNCT
fsr-3442	327	1	direct	direct	ADJ
fsr-3442	327	2	deposit	deposit	NOUN
fsr-3442	327	3	makes	make	VERB
fsr-3442	327	4	it	it	PRON
fsr-3442	327	5	easier	easy	ADJ
fsr-3442	327	6	for	for	SCONJ
fsr-3442	327	7	households	household	NOUN
fsr-3442	327	8	to	to	PART
fsr-3442	327	9	save	save	VERB
fsr-3442	327	10	because	because	SCONJ
fsr-3442	327	11	it	it	PRON
fsr-3442	327	12	transfers	transfer	VERB
fsr-3442	327	13	directly	directly	ADV
fsr-3442	327	14	into	into	ADP
fsr-3442	327	15	designated	designate	VERB
fsr-3442	327	16	accounts	account	NOUN
fsr-3442	327	17	before	before	SCONJ
fsr-3442	327	18	the	the	DET
fsr-3442	327	19	consumer	consumer	NOUN
fsr-3442	327	20	has	have	VERB
fsr-3442	327	21	a	a	DET
fsr-3442	327	22	chance	chance	NOUN
fsr-3442	327	23	to	to	PART
fsr-3442	327	24	spend	spend	VERB
fsr-3442	327	25	the	the	DET
fsr-3442	327	26	money	money	NOUN
fsr-3442	327	27	elsewhere	elsewhere	ADV
fsr-3442	327	28	.	.	PUNCT
fsr-3442	328	1	computer	computer	NOUN
fsr-3442	328	2	software	software	NOUN
fsr-3442	328	3	:	:	PUNCT
fsr-3442	328	4	households	household	NOUN
fsr-3442	328	5	who	who	PRON
fsr-3442	328	6	use	use	VERB
fsr-3442	328	7	computer	computer	NOUN
fsr-3442	328	8	software	software	NOUN
fsr-3442	328	9	to	to	PART
fsr-3442	328	10	manage	manage	VERB
fsr-3442	328	11	their	their	PRON
fsr-3442	328	12	finance	finance	NOUN
fsr-3442	328	13	are	be	AUX
fsr-3442	328	14	more	more	ADV
fsr-3442	328	15	likely	likely	ADJ
fsr-3442	328	16	to	to	PART
fsr-3442	328	17	make	make	VERB
fsr-3442	328	18	the	the	DET
fsr-3442	328	19	right	right	ADJ
fsr-3442	328	20	decisions	decision	NOUN
fsr-3442	328	21	for	for	ADP
fsr-3442	328	22	savings	saving	NOUN
fsr-3442	328	23	and	and	CCONJ
fsr-3442	328	24	investments	investment	NOUN
fsr-3442	328	25	.	.	PUNCT
fsr-3442	329	1	computer	computer	NOUN
fsr-3442	329	2	software	software	NOUN
fsr-3442	329	3	can	can	AUX
fsr-3442	329	4	help	help	VERB
fsr-3442	329	5	households	household	NOUN
fsr-3442	329	6	calculate	calculate	VERB
fsr-3442	329	7	how	how	SCONJ
fsr-3442	329	8	much	much	ADJ
fsr-3442	329	9	they	they	PRON
fsr-3442	329	10	need	need	VERB
fsr-3442	329	11	to	to	PART
fsr-3442	329	12	save	save	VERB
fsr-3442	329	13	for	for	ADP
fsr-3442	329	14	each	each	DET
fsr-3442	329	15	goal	goal	NOUN
fsr-3442	329	16	,	,	PUNCT
fsr-3442	329	17	such	such	ADJ
fsr-3442	329	18	as	as	ADP
fsr-3442	329	19	retirement	retirement	NOUN
fsr-3442	329	20	savings	saving	NOUN
fsr-3442	329	21	,	,	PUNCT
fsr-3442	329	22	college	college	NOUN
fsr-3442	329	23	fund	fund	NOUN
fsr-3442	329	24	savings	saving	NOUN
fsr-3442	329	25	,	,	PUNCT
fsr-3442	329	26	and	and	CCONJ
fsr-3442	329	27	so	so	ADV
fsr-3442	329	28	on	on	ADV
fsr-3442	329	29	.	.	PUNCT
fsr-3442	330	1	it	it	PRON
fsr-3442	330	2	provides	provide	VERB
fsr-3442	330	3	more	more	ADV
fsr-3442	330	4	accurate	accurate	ADJ
fsr-3442	330	5	spending	spending	NOUN
fsr-3442	330	6	and	and	CCONJ
fsr-3442	330	7	saving	save	VERB
fsr-3442	330	8	information	information	NOUN
fsr-3442	330	9	,	,	PUNCT
fsr-3442	330	10	which	which	PRON
fsr-3442	330	11	can	can	AUX
fsr-3442	330	12	assist	assist	VERB
fsr-3442	330	13	households	household	NOUN
fsr-3442	330	14	with	with	ADP
fsr-3442	330	15	better	well	ADJ
fsr-3442	330	16	data	datum	NOUN
fsr-3442	330	17	to	to	PART
fsr-3442	330	18	make	make	VERB
fsr-3442	330	19	proper	proper	ADJ
fsr-3442	330	20	financial	financial	ADJ
fsr-3442	330	21	decisions	decision	NOUN
fsr-3442	330	22	.	.	PUNCT
fsr-3442	331	1	using	use	VERB
fsr-3442	331	2	computer	computer	NOUN
fsr-3442	331	3	software	software	NOUN
fsr-3442	331	4	can	can	AUX
fsr-3442	331	5	increase	increase	VERB
fsr-3442	331	6	the	the	DET
fsr-3442	331	7	probability	probability	NOUN
fsr-3442	331	8	of	of	ADP
fsr-3442	331	9	households	household	NOUN
fsr-3442	331	10	reaching	reach	VERB
fsr-3442	331	11	financial	financial	ADJ
fsr-3442	331	12	goals	goal	NOUN
fsr-3442	331	13	by	by	ADP
fsr-3442	331	14	facilitating	facilitate	VERB
fsr-3442	331	15	consumers	consumer	NOUN
fsr-3442	331	16	to	to	PART
fsr-3442	331	17	save	save	VERB
fsr-3442	331	18	amounts	amount	NOUN
fsr-3442	331	19	that	that	PRON
fsr-3442	331	20	are	be	AUX
fsr-3442	331	21	more	more	ADV
fsr-3442	331	22	appropriate	appropriate	ADJ
fsr-3442	331	23	and	and	CCONJ
fsr-3442	331	24	aiding	aid	VERB
fsr-3442	331	25	consumers	consumer	NOUN
fsr-3442	331	26	in	in	ADP
fsr-3442	331	27	considering	consider	VERB
fsr-3442	331	28	multiple	multiple	ADJ
fsr-3442	331	29	goals	goal	NOUN
fsr-3442	331	30	simultaneously	simultaneously	ADV
fsr-3442	331	31	.	.	PUNCT
fsr-3442	332	1	the	the	DET
fsr-3442	332	2	descriptive	descriptive	ADJ
fsr-3442	332	3	statistics	statistic	NOUN
fsr-3442	332	4	of	of	ADP
fsr-3442	332	5	financial	financial	ADJ
fsr-3442	332	6	technology	technology	NOUN
fsr-3442	332	7	variables	variable	NOUN
fsr-3442	332	8	are	be	AUX
fsr-3442	332	9	presented	present	VERB
fsr-3442	332	10	in	in	ADP
fsr-3442	332	11	panel	panel	NOUN
fsr-3442	332	12	a	a	PRON
fsr-3442	332	13	of	of	ADP
fsr-3442	332	14	table	table	NOUN
fsr-3442	332	15	3	3	NUM
fsr-3442	332	16	.	.	PUNCT
fsr-3442	332	17	direct	direct	ADJ
fsr-3442	332	18	deposit	deposit	NOUN
fsr-3442	332	19	is	be	AUX
fsr-3442	332	20	the	the	DET
fsr-3442	332	21	most	most	ADV
fsr-3442	332	22	commonly	commonly	ADV
fsr-3442	332	23	used	use	VERB
fsr-3442	332	24	technology	technology	NOUN
fsr-3442	332	25	,	,	PUNCT
fsr-3442	332	26	as	as	ADP
fsr-3442	332	27	81.9	81.9	NUM
fsr-3442	332	28	%	%	NOUN
fsr-3442	332	29	of	of	ADP
fsr-3442	332	30	banked	banked	ADJ
fsr-3442	332	31	households	household	NOUN
fsr-3442	332	32	report	report	NOUN
fsr-3442	332	33	that	that	SCONJ
fsr-3442	332	34	they	they	PRON
fsr-3442	332	35	use	use	VERB
fsr-3442	332	36	it	it	PRON
fsr-3442	332	37	.	.	PUNCT
fsr-3442	333	1	with	with	ADP
fsr-3442	333	2	the	the	DET
fsr-3442	333	3	new	new	ADJ
fsr-3442	333	4	technologies	technology	NOUN
fsr-3442	333	5	coming	come	VERB
fsr-3442	333	6	out	out	ADV
fsr-3442	333	7	,	,	PUNCT
fsr-3442	333	8	phone	phone	NOUN
fsr-3442	333	9	banking	banking	NOUN
fsr-3442	333	10	is	be	AUX
fsr-3442	333	11	not	not	PART
fsr-3442	333	12	as	as	ADV
fsr-3442	333	13	popular	popular	ADJ
fsr-3442	333	14	as	as	ADP
fsr-3442	333	15	before	before	ADV
fsr-3442	333	16	.	.	PUNCT
fsr-3442	334	1	our	our	PRON
fsr-3442	334	2	results	result	NOUN
fsr-3442	334	3	suggest	suggest	VERB
fsr-3442	334	4	only	only	ADV
fsr-3442	334	5	21.2	21.2	NUM
fsr-3442	334	6	%	%	NOUN
fsr-3442	334	7	of	of	ADP
fsr-3442	334	8	banked	banked	ADJ
fsr-3442	334	9	households	household	NOUN
fsr-3442	334	10	report	report	NOUN
fsr-3442	334	11	using	use	VERB
fsr-3442	334	12	phone	phone	NOUN
fsr-3442	334	13	banking	banking	NOUN
fsr-3442	334	14	while	while	SCONJ
fsr-3442	334	15	67.5	67.5	NUM
fsr-3442	334	16	%	%	NOUN
fsr-3442	334	17	report	report	NOUN
fsr-3442	334	18	using	use	VERB
fsr-3442	334	19	computer	computer	NOUN
fsr-3442	334	20	banking	banking	NOUN
fsr-3442	334	21	.	.	PUNCT
fsr-3442	335	1	moreover	moreover	ADV
fsr-3442	335	2	,	,	PUNCT
fsr-3442	335	3	21.2	21.2	NUM
fsr-3442	335	4	%	%	NOUN
fsr-3442	335	5	of	of	ADP
fsr-3442	335	6	banked	banked	ADJ
fsr-3442	335	7	households	household	NOUN
fsr-3442	335	8	report	report	NOUN
fsr-3442	335	9	using	use	VERB
fsr-3442	335	10	computer	computer	NOUN
fsr-3442	335	11	software	software	NOUN
fsr-3442	335	12	to	to	PART
fsr-3442	335	13	help	help	VERB
fsr-3442	335	14	managing	manage	VERB
fsr-3442	335	15	their	their	PRON
fsr-3442	335	16	finance	finance	NOUN
fsr-3442	335	17	.	.	PUNCT
fsr-3442	336	1	similar	similar	ADJ
fsr-3442	336	2	to	to	ADP
fsr-3442	336	3	how	how	SCONJ
fsr-3442	336	4	we	we	PRON
fsr-3442	336	5	construct	construct	VERB
fsr-3442	336	6	the	the	DET
fsr-3442	336	7	positive	positive	ADJ
fsr-3442	336	8	financial	financial	ADJ
fsr-3442	336	9	behavior	behavior	NOUN
fsr-3442	336	10	index	index	NOUN
fsr-3442	336	11	,	,	PUNCT
fsr-3442	336	12	we	we	PRON
fsr-3442	336	13	also	also	ADV
fsr-3442	336	14	adopt	adopt	VERB
fsr-3442	336	15	principal	principal	ADJ
fsr-3442	336	16	component	component	NOUN
fsr-3442	336	17	analysis	analysis	NOUN
fsr-3442	336	18	to	to	PART
fsr-3442	336	19	form	form	VERB
fsr-3442	336	20	two	two	NUM
fsr-3442	336	21	composite	composite	ADJ
fsr-3442	336	22	technology	technology	NOUN
fsr-3442	336	23	usage	usage	NOUN
fsr-3442	336	24	measures	measure	NOUN
fsr-3442	336	25	:	:	PUNCT
fsr-3442	336	26	transactional	transactional	ADJ
fsr-3442	336	27	tech	tech	NOUN
fsr-3442	336	28	usage	usage	NOUN
fsr-3442	336	29	index	index	NOUN
fsr-3442	336	30	and	and	CCONJ
fsr-3442	336	31	planning	plan	VERB
fsr-3442	336	32	tech	tech	NOUN
fsr-3442	336	33	usage	usage	NOUN
fsr-3442	336	34	index	index	NOUN
fsr-3442	336	35	.	.	PUNCT
fsr-3442	337	1	the	the	DET
fsr-3442	337	2	transactional	transactional	ADJ
fsr-3442	337	3	tech	tech	NOUN
fsr-3442	337	4	usage	usage	NOUN
fsr-3442	337	5	index	index	NOUN
fsr-3442	337	6	is	be	AUX
fsr-3442	337	7	a	a	DET
fsr-3442	337	8	measure	measure	NOUN
fsr-3442	337	9	of	of	ADP
fsr-3442	337	10	transaction	transaction	NOUN
fsr-3442	337	11	-	-	PUNCT
fsr-3442	337	12	based	base	VERB
fsr-3442	337	13	technology	technology	NOUN
fsr-3442	337	14	usage	usage	NOUN
fsr-3442	337	15	based	base	VERB
fsr-3442	337	16	on	on	ADP
fsr-3442	337	17	atm	atm	ADJ
fsr-3442	337	18	card	card	NOUN
fsr-3442	337	19	use	use	NOUN
fsr-3442	337	20	,	,	PUNCT
fsr-3442	337	21	credit	credit	NOUN
fsr-3442	337	22	card	card	NOUN
fsr-3442	337	23	use	use	NOUN
fsr-3442	337	24	,	,	PUNCT
fsr-3442	337	25	phone	phone	NOUN
fsr-3442	337	26	banking	banking	NOUN
fsr-3442	337	27	use	use	NOUN
fsr-3442	337	28	,	,	PUNCT
fsr-3442	337	29	and	and	CCONJ
fsr-3442	337	30	computer	computer	NOUN
fsr-3442	337	31	banking	banking	NOUN
fsr-3442	337	32	use	use	NOUN
fsr-3442	337	33	.	.	PUNCT
fsr-3442	338	1	the	the	DET
fsr-3442	338	2	planning	planning	NOUN
fsr-3442	338	3	tech	tech	NOUN
fsr-3442	338	4	usage	usage	NOUN
fsr-3442	338	5	index	index	NOUN
fsr-3442	338	6	measures	measure	NOUN
fsr-3442	338	7	planning	planning	NOUN
fsr-3442	338	8	-	-	PUNCT
fsr-3442	338	9	based	base	VERB
fsr-3442	338	10	technology	technology	NOUN
fsr-3442	338	11	usage	usage	NOUN
fsr-3442	338	12	based	base	VERB
fsr-3442	338	13	on	on	ADP
fsr-3442	338	14	the	the	DET
fsr-3442	338	15	last	last	ADJ
fsr-3442	338	16	three	three	NUM
fsr-3442	338	17	technology	technology	NOUN
fsr-3442	338	18	-	-	PUNCT
fsr-3442	338	19	use	use	NOUN
fsr-3442	338	20	behaviors	behavior	NOUN
fsr-3442	338	21	.	.	PUNCT
fsr-3442	339	1	both	both	DET
fsr-3442	339	2	composite	composite	ADJ
fsr-3442	339	3	measures	measure	NOUN
fsr-3442	339	4	use	use	VERB
fsr-3442	339	5	the	the	DET
fsr-3442	339	6	first	first	ADJ
fsr-3442	339	7	component	component	NOUN
fsr-3442	339	8	factor	factor	NOUN
fsr-3442	339	9	from	from	ADP
fsr-3442	339	10	principal	principal	ADJ
fsr-3442	339	11	component	component	NOUN
fsr-3442	339	12	analysis	analysis	NOUN
fsr-3442	339	13	as	as	ADP
fsr-3442	339	14	the	the	DET
fsr-3442	339	15	proxy	proxy	NOUN
fsr-3442	339	16	.	.	PUNCT
fsr-3442	340	1	the	the	DET
fsr-3442	340	2	standardized	standardized	ADJ
fsr-3442	340	3	scoring	scoring	NOUN
fsr-3442	340	4	coefficients	coefficient	NOUN
fsr-3442	340	5	are	be	AUX
fsr-3442	340	6	provided	provide	VERB
fsr-3442	340	7	in	in	ADP
fsr-3442	340	8	table	table	NOUN
fsr-3442	340	9	3	3	NUM
fsr-3442	340	10	.	.	PUNCT
fsr-3442	340	11	q.	q.	PROPN
fsr-3442	340	12	bi	bi	PROPN
fsr-3442	340	13	et	et	PROPN
fsr-3442	340	14	al	al	PROPN
fsr-3442	340	15	.	.	PUNCT
fsr-3442	340	16	/	/	SYM
fsr-3442	340	17	financial	financial	ADJ
fsr-3442	340	18	services	service	NOUN
fsr-3442	340	19	review	review	VERB
fsr-3442	340	20	29	29	NUM
fsr-3442	340	21	(	(	PUNCT
fsr-3442	340	22	2021	2021	NUM
fsr-3442	340	23	)	)	PUNCT
fsr-3442	340	24	29–54	29–54	NUM
fsr-3442	340	25	41	41	NUM
fsr-3442	340	26	t	t	PROPN
fsr-3442	340	27	ab	ab	X
fsr-3442	340	28	le	le	PROPN
fsr-3442	340	29	3	3	NUM
fsr-3442	340	30	d	d	PROPN
fsr-3442	340	31	es	es	ADP
fsr-3442	340	32	cr	cr	ADP
fsr-3442	340	33	ip	ip	PROPN
fsr-3442	340	34	ti	ti	PROPN
fsr-3442	340	35	v	v	ADP
fsr-3442	340	36	e	e	PROPN
fsr-3442	340	37	st	st	PROPN
fsr-3442	340	38	at	at	ADP
fsr-3442	340	39	is	be	AUX
fsr-3442	340	40	ti	ti	X
fsr-3442	340	41	cs	cs	ADJ
fsr-3442	340	42	o	o	NOUN
fsr-3442	340	43	f	f	PROPN
fsr-3442	340	44	fi	fi	PROPN
fsr-3442	340	45	n	n	CCONJ
fsr-3442	340	46	an	an	DET
fsr-3442	340	47	ci	ci	NOUN
fsr-3442	340	48	al	al	PROPN
fsr-3442	340	49	te	te	PROPN
fsr-3442	340	50	ch	ch	PROPN
fsr-3442	340	51	n	n	PROPN
fsr-3442	341	1	o	o	NOUN
fsr-3442	341	2	lo	lo	NOUN
fsr-3442	341	3	g	g	PROPN
fsr-3442	341	4	y	y	PROPN
fsr-3442	341	5	v	v	PROPN
fsr-3442	341	6	ar	ar	PROPN
fsr-3442	341	7	ia	ia	PROPN
fsr-3442	341	8	b	b	PROPN
fsr-3442	341	9	le	le	PROPN
fsr-3442	341	10	s	s	PROPN
fsr-3442	342	1	an	an	PRON
fsr-3442	342	2	d	d	X
fsr-3442	342	3	o	o	X
fsr-3442	342	4	th	th	X
fsr-3442	342	5	er	er	INTJ
fsr-3442	342	6	co	co	NOUN
fsr-3442	342	7	n	n	PRON
fsr-3442	342	8	tr	tr	NOUN
fsr-3442	342	9	o	o	PROPN
fsr-3442	342	10	l	l	PROPN
fsr-3442	342	11	v	v	PROPN
fsr-3442	342	12	ar	ar	PROPN
fsr-3442	342	13	ia	ia	PROPN
fsr-3442	342	14	b	b	AUX
fsr-3442	342	15	le	le	PROPN
fsr-3442	342	16	s	s	PROPN
fsr-3442	342	17	p	p	X
fsr-3442	342	18	an	an	PROPN
fsr-3442	342	19	el	el	PROPN
fsr-3442	342	20	a	a	PRON
fsr-3442	342	21	:	:	PUNCT
fsr-3442	342	22	k	k	X
fsr-3442	342	23	ey	ey	INTJ
fsr-3442	342	24	in	in	ADP
fsr-3442	342	25	d	d	PROPN
fsr-3442	342	26	ep	ep	PROPN
fsr-3442	342	27	en	en	PROPN
fsr-3442	342	28	d	d	PROPN
fsr-3442	342	29	en	en	PROPN
fsr-3442	342	30	t	t	PROPN
fsr-3442	342	31	v	v	PROPN
fsr-3442	342	32	ar	ar	PROPN
fsr-3442	342	33	ia	ia	PROPN
fsr-3442	342	34	b	b	PROPN
fsr-3442	342	35	le	le	PROPN
fsr-3442	342	36	s	s	PROPN
fsr-3442	342	37	o	o	PROPN
fsr-3442	342	38	n	n	ADP
fsr-3442	342	39	sp	sp	ADP
fsr-3442	342	40	ec	ec	PROPN
fsr-3442	342	41	ifi	ifi	PROPN
fsr-3442	343	1	c	c	PROPN
fsr-3442	343	2	h	h	NOUN
fsr-3442	344	1	o	o	X
fsr-3442	344	2	u	u	X
fsr-3442	344	3	se	se	PROPN
fsr-3442	344	4	h	h	PROPN
fsr-3442	345	1	o	o	INTJ
fsr-3442	345	2	ld	ld	INTJ
fsr-3442	345	3	ca	can	AUX
fsr-3442	345	4	p	p	PROPN
fsr-3442	346	1	it	it	PRON
fsr-3442	346	2	al	al	PROPN
fsr-3442	346	3	v	v	PROPN
fsr-3442	346	4	ar	ar	PROPN
fsr-3442	346	5	ia	ia	PROPN
fsr-3442	346	6	b	b	PROPN
fsr-3442	346	7	le	le	X
fsr-3442	346	8	s	s	PROPN
fsr-3442	346	9	m	m	PROPN
fsr-3442	346	10	ea	ea	X
fsr-3442	346	11	su	su	PROPN
fsr-3442	346	12	re	re	VERB
fsr-3442	346	13	m	m	PROPN
fsr-3442	346	14	en	en	ADP
fsr-3442	346	15	t	t	PROPN
fsr-3442	346	16	b	b	PROPN
fsr-3442	346	17	an	an	DET
fsr-3442	346	18	k	k	NOUN
fsr-3442	346	19	ed	ed	NOUN
fsr-3442	346	20	h	h	NOUN
fsr-3442	346	21	o	o	X
fsr-3442	346	22	u	u	X
fsr-3442	347	1	se	se	PROPN
fsr-3442	347	2	h	h	PROPN
fsr-3442	347	3	o	o	X
fsr-3442	347	4	ld	ld	PROPN
fsr-3442	347	5	s	s	X
fsr-3442	347	6	(	(	PUNCT
fsr-3442	347	7	%	%	INTJ
fsr-3442	347	8	)	)	PUNCT
fsr-3442	347	9	s	s	VERB
fsr-3442	347	10	ta	ta	ADP
fsr-3442	347	11	n	n	PROPN
fsr-3442	347	12	d	d	PROPN
fsr-3442	347	13	ar	ar	PROPN
fsr-3442	348	1	d	d	PROPN
fsr-3442	348	2	iz	iz	ADP
fsr-3442	348	3	ed	ed	PROPN
fsr-3442	348	4	sc	sc	PROPN
fsr-3442	348	5	o	o	X
fsr-3442	348	6	ri	ri	PROPN
fsr-3442	349	1	n	n	ADV
fsr-3442	349	2	g	g	PROPN
fsr-3442	349	3	co	co	X
fsr-3442	349	4	ef	ef	PROPN
fsr-3442	349	5	fi	fi	PROPN
fsr-3442	349	6	ci	ci	PROPN
fsr-3442	349	7	en	en	X
fsr-3442	349	8	ts	ts	ADP
fsr-3442	349	9	t	t	PROPN
fsr-3442	349	10	ra	ra	PROPN
fsr-3442	349	11	n	n	PROPN
fsr-3442	349	12	sa	sa	PROPN
fsr-3442	349	13	ct	ct	PROPN
fsr-3442	349	14	io	io	PROPN
fsr-3442	349	15	n	n	ADP
fsr-3442	349	16	te	te	ADP
fsr-3442	349	17	ch	ch	NOUN
fsr-3442	349	18	n	n	PROPN
fsr-3442	349	19	o	o	NOUN
fsr-3442	349	20	lo	lo	NOUN
fsr-3442	349	21	g	g	PROPN
fsr-3442	349	22	ie	ie	X
fsr-3442	349	23	s	s	PROPN
fsr-3442	349	24	a	a	DET
fsr-3442	349	25	t	t	NOUN
fsr-3442	349	26	m	m	VERB
fsr-3442	349	27	ca	ca	NOUN
fsr-3442	349	28	rd	rd	PROPN
fsr-3442	349	29	1	1	NUM
fsr-3442	349	30	if	if	SCONJ
fsr-3442	349	31	u	u	PROPN
fsr-3442	349	32	se	se	X
fsr-3442	349	33	a	a	PROPN
fsr-3442	349	34	t	t	PROPN
fsr-3442	349	35	m	m	VERB
fsr-3442	349	36	ca	can	AUX
fsr-3442	349	37	rd	rd	PROPN
fsr-3442	349	38	as	as	ADP
fsr-3442	349	39	o	o	PROPN
fsr-3442	349	40	n	n	PROPN
fsr-3442	349	41	e	e	NOUN
fsr-3442	349	42	o	o	X
fsr-3442	349	43	f	f	X
fsr-3442	349	44	th	th	X
fsr-3442	349	45	e	e	X
fsr-3442	349	46	m	m	VERB
fsr-3442	349	47	ai	ai	VERB
fsr-3442	349	48	n	n	ADV
fsr-3442	350	1	w	w	PROPN
fsr-3442	350	2	ay	ay	PROPN
fsr-3442	350	3	s	s	PROPN
fsr-3442	351	1	y	y	NOUN
fsr-3442	351	2	o	o	NOUN
fsr-3442	351	3	u	u	NOUN
fsr-3442	351	4	d	d	X
fsr-3442	351	5	o	o	X
fsr-3442	351	6	b	b	X
fsr-3442	351	7	u	u	NOUN
fsr-3442	351	8	si	si	PROPN
fsr-3442	351	9	n	n	ADV
fsr-3442	351	10	es	es	X
fsr-3442	351	11	s	s	VERB
fsr-3442	351	12	w	w	NOUN
fsr-3442	351	13	it	it	PRON
fsr-3442	351	14	h	h	PROPN
fsr-3442	352	1	b	b	PROPN
fsr-3442	352	2	an	an	DET
fsr-3442	352	3	k	k	NOUN
fsr-3442	352	4	o	o	NOUN
fsr-3442	352	5	r	r	NOUN
fsr-3442	353	1	if	if	SCONJ
fsr-3442	353	2	y	y	PROPN
fsr-3442	353	3	o	o	X
fsr-3442	353	4	u	u	INTJ
fsr-3442	353	5	h	h	NOUN
fsr-3442	353	6	av	av	PROPN
fsr-3442	353	7	e	e	PROPN
fsr-3442	353	8	a	a	DET
fsr-3442	353	9	ca	ca	NOUN
fsr-3442	353	10	rd	rd	NOUN
fsr-3442	353	11	th	th	X
fsr-3442	353	12	at	at	ADP
fsr-3442	353	13	al	al	PROPN
fsr-3442	353	14	lo	lo	PROPN
fsr-3442	354	1	w	w	PROPN
fsr-3442	354	2	s	s	PROPN
fsr-3442	354	3	y	y	NOUN
fsr-3442	354	4	o	o	X
fsr-3442	354	5	u	u	NOUN
fsr-3442	354	6	to	to	ADP
fsr-3442	354	7	d	d	PROPN
fsr-3442	354	8	ep	ep	PROPN
fsr-3442	354	9	o	o	NOUN
fsr-3442	354	10	si	si	PROPN
fsr-3442	354	11	t	t	X
fsr-3442	355	1	o	o	NOUN
fsr-3442	355	2	r	r	NOUN
fsr-3442	355	3	w	w	NOUN
fsr-3442	355	4	it	it	PRON
fsr-3442	355	5	h	h	NOUN
fsr-3442	356	1	d	d	X
fsr-3442	356	2	ra	ra	PROPN
fsr-3442	357	1	w	w	NOUN
fsr-3442	357	2	m	m	VERB
fsr-3442	357	3	o	o	NOUN
fsr-3442	357	4	n	n	INTJ
fsr-3442	357	5	ey	ey	INTJ
fsr-3442	357	6	fr	fr	INTJ
fsr-3442	357	7	o	o	NOUN
fsr-3442	357	8	m	m	VERB
fsr-3442	358	1	y	y	NOUN
fsr-3442	358	2	o	o	X
fsr-3442	358	3	u	u	NOUN
fsr-3442	358	4	r	r	NOUN
fsr-3442	358	5	b	b	PROPN
fsr-3442	358	6	an	an	DET
fsr-3442	358	7	k	k	X
fsr-3442	358	8	u	u	NOUN
fsr-3442	358	9	si	si	PROPN
fsr-3442	358	10	n	n	ADV
fsr-3442	358	11	g	g	PROPN
fsr-3442	358	12	an	an	DET
fsr-3442	358	13	a	a	DET
fsr-3442	358	14	t	t	NOUN
fsr-3442	358	15	m	m	PRON
fsr-3442	358	16	,	,	PUNCT
fsr-3442	358	17	0	0	NUM
fsr-3442	358	18	o	o	NOUN
fsr-3442	358	19	th	th	X
fsr-3442	358	20	er	er	INTJ
fsr-3442	358	21	w	w	PROPN
fsr-3442	358	22	is	be	AUX
fsr-3442	358	23	e	e	NOUN
fsr-3442	358	24	8	8	NUM
fsr-3442	358	25	1	1	NUM
fsr-3442	358	26	.9	.9	NUM
fsr-3442	358	27	0	0	NUM
fsr-3442	359	1	.4	.4	NUM
fsr-3442	359	2	3	3	NUM
fsr-3442	359	3	c	c	NOUN
fsr-3442	359	4	re	re	NOUN
fsr-3442	359	5	d	d	NOUN
fsr-3442	359	6	it	it	PRON
fsr-3442	359	7	ca	can	AUX
fsr-3442	359	8	rd	rd	VERB
fsr-3442	359	9	1	1	NUM
fsr-3442	359	10	if	if	SCONJ
fsr-3442	359	11	h	h	NOUN
fsr-3442	359	12	av	av	PROPN
fsr-3442	359	13	e	e	PROPN
fsr-3442	359	14	an	an	PRON
fsr-3442	359	15	y	y	PROPN
fsr-3442	359	16	cr	cr	PROPN
fsr-3442	359	17	ed	ed	NOUN
fsr-3442	360	1	it	it	PRON
fsr-3442	360	2	ca	can	AUX
fsr-3442	360	3	rd	rd	VERB
fsr-3442	360	4	o	o	NOUN
fsr-3442	360	5	r	r	NOUN
fsr-3442	360	6	ch	ch	PROPN
fsr-3442	360	7	ar	ar	PROPN
fsr-3442	360	8	g	g	PROPN
fsr-3442	360	9	e	e	PROPN
fsr-3442	360	10	ca	can	AUX
fsr-3442	360	11	rd	rd	PROPN
fsr-3442	360	12	,	,	PUNCT
fsr-3442	360	13	0	0	NUM
fsr-3442	361	1	o	o	NOUN
fsr-3442	361	2	th	th	X
fsr-3442	361	3	er	er	INTJ
fsr-3442	361	4	w	w	PROPN
fsr-3442	361	5	is	be	AUX
fsr-3442	361	6	e	e	NOUN
fsr-3442	361	7	7	7	NUM
fsr-3442	361	8	2	2	NUM
fsr-3442	361	9	.4	.4	NUM
fsr-3442	361	10	0	0	NUM
fsr-3442	361	11	.3	.3	NUM
fsr-3442	361	12	8	8	NUM
fsr-3442	361	13	9	9	NUM
fsr-3442	361	14	p	p	NOUN
fsr-3442	361	15	h	h	NOUN
fsr-3442	362	1	o	o	NOUN
fsr-3442	362	2	n	n	X
fsr-3442	362	3	e	e	X
fsr-3442	362	4	b	b	PROPN
fsr-3442	362	5	an	an	DET
fsr-3442	362	6	k	k	NOUN
fsr-3442	362	7	in	in	ADP
fsr-3442	362	8	g	g	PROPN
fsr-3442	362	9	1	1	NUM
fsr-3442	362	10	if	if	SCONJ
fsr-3442	362	11	u	u	PROPN
fsr-3442	362	12	se	se	X
fsr-3442	362	13	au	au	VERB
fsr-3442	362	14	to	to	ADP
fsr-3442	362	15	m	m	PROPN
fsr-3442	362	16	at	at	ADP
fsr-3442	362	17	ed	ed	PROPN
fsr-3442	362	18	p	p	PROPN
fsr-3442	362	19	h	h	NOUN
fsr-3442	362	20	o	o	NOUN
fsr-3442	362	21	n	n	ADP
fsr-3442	362	22	e	e	PROPN
fsr-3442	362	23	sy	sy	PROPN
fsr-3442	362	24	st	st	PROPN
fsr-3442	362	25	em	em	PRON
fsr-3442	362	26	as	as	ADP
fsr-3442	362	27	o	o	PROPN
fsr-3442	362	28	n	n	PROPN
fsr-3442	362	29	e	e	NOUN
fsr-3442	362	30	o	o	X
fsr-3442	362	31	f	f	X
fsr-3442	362	32	th	th	X
fsr-3442	362	33	e	e	X
fsr-3442	362	34	m	m	VERB
fsr-3442	362	35	ai	ai	VERB
fsr-3442	362	36	n	n	ADV
fsr-3442	362	37	w	w	PROPN
fsr-3442	362	38	ay	ay	PROPN
fsr-3442	363	1	s	s	VERB
fsr-3442	363	2	to	to	PART
fsr-3442	363	3	d	d	PROPN
fsr-3442	363	4	o	o	X
fsr-3442	363	5	b	b	X
fsr-3442	363	6	u	u	NOUN
fsr-3442	363	7	si	si	PROPN
fsr-3442	363	8	n	n	ADV
fsr-3442	363	9	es	es	X
fsr-3442	363	10	s	s	VERB
fsr-3442	363	11	w	w	NOUN
fsr-3442	363	12	it	it	PRON
fsr-3442	364	1	h	h	PROPN
fsr-3442	365	1	b	b	PROPN
fsr-3442	365	2	an	an	DET
fsr-3442	365	3	k	k	NOUN
fsr-3442	365	4	,	,	PUNCT
fsr-3442	366	1	0	0	NUM
fsr-3442	366	2	o	o	NOUN
fsr-3442	366	3	th	th	X
fsr-3442	366	4	er	er	INTJ
fsr-3442	366	5	w	w	PROPN
fsr-3442	366	6	is	be	AUX
fsr-3442	366	7	e	e	X
fsr-3442	366	8	2	2	NUM
fsr-3442	366	9	1	1	NUM
fsr-3442	366	10	.2	.2	NUM
fsr-3442	366	11	0	0	NUM
fsr-3442	367	1	.2	.2	NUM
fsr-3442	367	2	2	2	NUM
fsr-3442	367	3	2	2	NUM
fsr-3442	367	4	c	c	NOUN
fsr-3442	367	5	o	o	NOUN
fsr-3442	367	6	m	m	VERB
fsr-3442	367	7	p	p	X
fsr-3442	367	8	u	u	NOUN
fsr-3442	367	9	te	te	ADP
fsr-3442	367	10	r	r	NOUN
fsr-3442	367	11	b	b	PROPN
fsr-3442	367	12	an	an	DET
fsr-3442	367	13	k	k	NOUN
fsr-3442	367	14	in	in	ADP
fsr-3442	367	15	g	g	PROPN
fsr-3442	367	16	1	1	NUM
fsr-3442	367	17	if	if	SCONJ
fsr-3442	367	18	u	u	PROPN
fsr-3442	367	19	se	se	X
fsr-3442	367	20	co	co	VERB
fsr-3442	367	21	m	m	PROPN
fsr-3442	367	22	p	p	NOUN
fsr-3442	367	23	u	u	X
fsr-3442	367	24	te	te	ADP
fsr-3442	367	25	r	r	NOUN
fsr-3442	367	26	as	as	ADP
fsr-3442	367	27	o	o	PROPN
fsr-3442	367	28	n	n	ADP
fsr-3442	367	29	e	e	NOUN
fsr-3442	367	30	o	o	X
fsr-3442	367	31	f	f	X
fsr-3442	367	32	th	th	X
fsr-3442	367	33	e	e	X
fsr-3442	367	34	m	m	VERB
fsr-3442	367	35	ai	ai	VERB
fsr-3442	367	36	n	n	ADV
fsr-3442	367	37	w	w	PROPN
fsr-3442	367	38	ay	ay	PROPN
fsr-3442	368	1	s	s	VERB
fsr-3442	368	2	to	to	PART
fsr-3442	368	3	d	d	PROPN
fsr-3442	368	4	o	o	X
fsr-3442	368	5	b	b	X
fsr-3442	368	6	u	u	NOUN
fsr-3442	368	7	si	si	PROPN
fsr-3442	368	8	n	n	ADV
fsr-3442	368	9	es	es	X
fsr-3442	368	10	s	s	VERB
fsr-3442	368	11	w	w	NOUN
fsr-3442	368	12	it	it	PRON
fsr-3442	369	1	h	h	PROPN
fsr-3442	370	1	b	b	PROPN
fsr-3442	370	2	an	an	DET
fsr-3442	370	3	k	k	NOUN
fsr-3442	370	4	,	,	PUNCT
fsr-3442	371	1	0	0	NUM
fsr-3442	371	2	o	o	NOUN
fsr-3442	371	3	th	th	X
fsr-3442	371	4	er	er	INTJ
fsr-3442	371	5	w	w	PROPN
fsr-3442	371	6	is	be	AUX
fsr-3442	371	7	e	e	PROPN
fsr-3442	371	8	6	6	NUM
fsr-3442	371	9	7	7	NUM
fsr-3442	371	10	.5	.5	NUM
fsr-3442	371	11	0	0	NUM
fsr-3442	372	1	.5	.5	NUM
fsr-3442	372	2	7	7	NUM
fsr-3442	372	3	1	1	NUM
fsr-3442	372	4	p	p	NOUN
fsr-3442	372	5	la	la	X
fsr-3442	372	6	n	n	CCONJ
fsr-3442	372	7	n	n	NOUN
fsr-3442	372	8	in	in	ADP
fsr-3442	372	9	g	g	PROPN
fsr-3442	372	10	te	te	PROPN
fsr-3442	372	11	ch	ch	NOUN
fsr-3442	372	12	n	n	PROPN
fsr-3442	372	13	o	o	NOUN
fsr-3442	372	14	lo	lo	NOUN
fsr-3442	372	15	g	g	PROPN
fsr-3442	372	16	ie	ie	X
fsr-3442	372	17	s	s	PROPN
fsr-3442	372	18	p	p	X
fsr-3442	372	19	re	re	ADP
fsr-3442	372	20	au	au	X
fsr-3442	372	21	th	th	X
fsr-3442	372	22	o	o	X
fsr-3442	372	23	ri	ri	INTJ
fsr-3442	373	1	ze	ze	PROPN
fsr-3442	373	2	d	d	PROPN
fsr-3442	374	1	d	d	X
fsr-3442	374	2	eb	eb	PROPN
fsr-3442	374	3	it	it	PRON
fsr-3442	374	4	1	1	NUM
fsr-3442	374	5	if	if	SCONJ
fsr-3442	374	6	h	h	NOUN
fsr-3442	374	7	av	av	NOUN
fsr-3442	375	1	e	e	NOUN
fsr-3442	375	2	u	u	NOUN
fsr-3442	375	3	ti	ti	X
fsr-3442	375	4	li	li	PROPN
fsr-3442	375	5	ty	ty	PROPN
fsr-3442	375	6	b	b	PROPN
fsr-3442	375	7	il	il	INTJ
fsr-3442	376	1	ls	ls	INTJ
fsr-3442	376	2	,	,	PUNCT
fsr-3442	376	3	m	m	VERB
fsr-3442	376	4	o	o	NOUN
fsr-3442	376	5	rt	rt	NOUN
fsr-3442	376	6	g	g	PROPN
fsr-3442	376	7	ag	ag	PROPN
fsr-3442	376	8	e	e	NOUN
fsr-3442	376	9	o	o	NOUN
fsr-3442	376	10	r	r	NOUN
fsr-3442	376	11	re	re	NOUN
fsr-3442	376	12	n	n	PROPN
fsr-3442	376	13	t	t	NOUN
fsr-3442	376	14	p	p	X
fsr-3442	376	15	ay	ay	PROPN
fsr-3442	376	16	m	m	VERB
fsr-3442	376	17	en	en	ADP
fsr-3442	376	18	ts	ts	X
fsr-3442	376	19	,	,	PUNCT
fsr-3442	376	20	o	o	NOUN
fsr-3442	376	21	r	r	NOUN
fsr-3442	376	22	o	o	X
fsr-3442	376	23	th	th	X
fsr-3442	376	24	er	er	INTJ
fsr-3442	376	25	p	p	X
fsr-3442	376	26	ay	ay	NOUN
fsr-3442	376	27	m	m	VERB
fsr-3442	376	28	en	en	X
fsr-3442	376	29	ts	ts	X
fsr-3442	376	30	au	au	ADV
fsr-3442	376	31	to	to	ADP
fsr-3442	376	32	m	m	PROPN
fsr-3442	376	33	at	at	ADP
fsr-3442	376	34	ic	ic	PROPN
fsr-3442	376	35	al	al	PROPN
fsr-3442	376	36	ly	ly	PROPN
fsr-3442	376	37	p	p	NOUN
fsr-3442	376	38	ai	ai	INTJ
fsr-3442	376	39	d	d	PROPN
fsr-3442	376	40	d	d	X
fsr-3442	376	41	ir	ir	PROPN
fsr-3442	376	42	ec	ec	PROPN
fsr-3442	377	1	tl	tl	PROPN
fsr-3442	378	1	y	y	INTJ
fsr-3442	379	1	fr	fr	INTJ
fsr-3442	380	1	o	o	NOUN
fsr-3442	380	2	m	m	VERB
fsr-3442	380	3	b	b	PROPN
fsr-3442	380	4	an	an	DET
fsr-3442	380	5	k	k	X
fsr-3442	380	6	ac	ac	PROPN
fsr-3442	380	7	co	co	PROPN
fsr-3442	380	8	u	u	PROPN
fsr-3442	380	9	n	n	ADV
fsr-3442	380	10	ts	ts	ADP
fsr-3442	381	1	w	w	VERB
fsr-3442	381	2	it	it	PRON
fsr-3442	382	1	h	h	NOUN
fsr-3442	383	1	o	o	X
fsr-3442	383	2	u	u	NOUN
fsr-3442	383	3	t	t	NOUN
fsr-3442	383	4	h	h	NOUN
fsr-3442	383	5	av	av	PROPN
fsr-3442	383	6	in	in	ADP
fsr-3442	383	7	g	g	PROPN
fsr-3442	383	8	to	to	ADP
fsr-3442	383	9	w	w	PROPN
fsr-3442	383	10	ri	ri	PROPN
fsr-3442	383	11	te	te	ADP
fsr-3442	383	12	a	a	DET
fsr-3442	383	13	ch	ch	NOUN
fsr-3442	383	14	ec	ec	PROPN
fsr-3442	383	15	k	k	PROPN
fsr-3442	383	16	,	,	PUNCT
fsr-3442	383	17	0	0	NUM
fsr-3442	384	1	o	o	X
fsr-3442	384	2	th	th	X
fsr-3442	384	3	er	er	INTJ
fsr-3442	384	4	w	w	PROPN
fsr-3442	384	5	is	be	AUX
fsr-3442	384	6	e	e	X
fsr-3442	384	7	5	5	NUM
fsr-3442	384	8	7	7	NUM
fsr-3442	384	9	0	0	NUM
fsr-3442	385	1	.6	.6	NUM
fsr-3442	385	2	0	0	NUM
fsr-3442	385	3	8	8	NUM
fsr-3442	385	4	d	d	NOUN
fsr-3442	385	5	ir	ir	PROPN
fsr-3442	385	6	ec	ec	PROPN
fsr-3442	385	7	t	t	PROPN
fsr-3442	386	1	d	d	X
fsr-3442	386	2	ep	ep	PROPN
fsr-3442	386	3	o	o	X
fsr-3442	386	4	si	si	PROPN
fsr-3442	386	5	t	t	PROPN
fsr-3442	386	6	1	1	NUM
fsr-3442	386	7	if	if	SCONJ
fsr-3442	386	8	h	h	NOUN
fsr-3442	386	9	av	av	NOUN
fsr-3442	386	10	e	e	PROPN
fsr-3442	386	11	p	p	X
fsr-3442	386	12	ay	ay	PROPN
fsr-3442	386	13	ch	ch	NOUN
fsr-3442	386	14	ec	ec	PROPN
fsr-3442	387	1	k	k	PROPN
fsr-3442	387	2	s	s	X
fsr-3442	387	3	o	o	NOUN
fsr-3442	387	4	r	r	NOUN
fsr-3442	387	5	s	s	PROPN
fsr-3442	387	6	o	o	NOUN
fsr-3442	387	7	ci	ci	PROPN
fsr-3442	387	8	al	al	PROPN
fsr-3442	387	9	s	s	PROPN
fsr-3442	387	10	ec	ec	PROPN
fsr-3442	387	11	u	u	NOUN
fsr-3442	387	12	ri	ri	PROPN
fsr-3442	387	13	ty	ty	INTJ
fsr-3442	387	14	b	b	PROPN
fsr-3442	387	15	en	en	X
fsr-3442	387	16	efi	efi	PROPN
fsr-3442	387	17	ts	ts	ADP
fsr-3442	387	18	o	o	PROPN
fsr-3442	387	19	r	r	NOUN
fsr-3442	387	20	o	o	X
fsr-3442	387	21	th	th	INTJ
fsr-3442	387	22	er	er	INTJ
fsr-3442	387	23	m	m	NOUN
fsr-3442	387	24	o	o	NOUN
fsr-3442	387	25	n	n	ADV
fsr-3442	387	26	ey	ey	INTJ
fsr-3442	387	27	au	au	ADV
fsr-3442	387	28	to	to	ADP
fsr-3442	387	29	m	m	PROPN
fsr-3442	387	30	at	at	ADP
fsr-3442	387	31	ic	ic	PROPN
fsr-3442	387	32	al	al	PROPN
fsr-3442	387	33	ly	ly	PROPN
fsr-3442	387	34	p	p	NOUN
fsr-3442	387	35	ai	ai	INTJ
fsr-3442	387	36	d	d	PROPN
fsr-3442	387	37	d	d	X
fsr-3442	387	38	ir	ir	PROPN
fsr-3442	387	39	ec	ec	PROPN
fsr-3442	387	40	tl	tl	PROPN
fsr-3442	387	41	y	y	PROPN
fsr-3442	387	42	in	in	ADP
fsr-3442	387	43	to	to	ADP
fsr-3442	387	44	ac	ac	PROPN
fsr-3442	387	45	co	co	PROPN
fsr-3442	387	46	u	u	PROPN
fsr-3442	387	47	n	n	ADV
fsr-3442	387	48	ts	ts	ADV
fsr-3442	387	49	,	,	PUNCT
fsr-3442	387	50	0	0	NUM
fsr-3442	387	51	o	o	NOUN
fsr-3442	387	52	th	th	X
fsr-3442	387	53	er	er	INTJ
fsr-3442	387	54	w	w	PROPN
fsr-3442	387	55	is	be	AUX
fsr-3442	387	56	e	e	NOUN
fsr-3442	387	57	8	8	NUM
fsr-3442	387	58	6	6	NUM
fsr-3442	387	59	.4	.4	NUM
fsr-3442	387	60	0	0	NUM
fsr-3442	388	1	.4	.4	NUM
fsr-3442	388	2	2	2	NUM
fsr-3442	388	3	6	6	NUM
fsr-3442	388	4	c	c	NOUN
fsr-3442	388	5	o	o	NOUN
fsr-3442	388	6	m	m	VERB
fsr-3442	388	7	p	p	X
fsr-3442	388	8	u	u	X
fsr-3442	388	9	te	te	ADP
fsr-3442	388	10	r	r	NOUN
fsr-3442	388	11	so	so	ADV
fsr-3442	388	12	ft	ft	PROPN
fsr-3442	388	13	w	w	PROPN
fsr-3442	388	14	ar	ar	PROPN
fsr-3442	388	15	e	e	PROPN
fsr-3442	388	16	1	1	NUM
fsr-3442	388	17	if	if	SCONJ
fsr-3442	388	18	u	u	PROPN
fsr-3442	388	19	se	se	X
fsr-3442	388	20	co	co	VERB
fsr-3442	388	21	m	m	PROPN
fsr-3442	388	22	p	p	NOUN
fsr-3442	388	23	u	u	NOUN
fsr-3442	388	24	te	te	ADP
fsr-3442	388	25	r	r	NOUN
fsr-3442	388	26	so	so	ADV
fsr-3442	388	27	ft	ft	PROPN
fsr-3442	388	28	w	w	PROPN
fsr-3442	388	29	ar	ar	PROPN
fsr-3442	388	30	e	e	PROPN
fsr-3442	388	31	to	to	ADP
fsr-3442	388	32	m	m	PROPN
fsr-3442	388	33	an	an	DET
fsr-3442	388	34	ag	ag	PROPN
fsr-3442	388	35	e	e	PROPN
fsr-3442	388	36	m	m	NOUN
fsr-3442	388	37	o	o	NOUN
fsr-3442	388	38	n	n	ADV
fsr-3442	388	39	ey	ey	INTJ
fsr-3442	388	40	,	,	PUNCT
fsr-3442	388	41	0	0	NUM
fsr-3442	388	42	o	o	NOUN
fsr-3442	389	1	th	th	X
fsr-3442	389	2	er	er	INTJ
fsr-3442	389	3	w	w	PROPN
fsr-3442	389	4	is	be	AUX
fsr-3442	389	5	e	e	X
fsr-3442	389	6	2	2	NUM
fsr-3442	389	7	1	1	NUM
fsr-3442	389	8	0	0	NUM
fsr-3442	389	9	.5	.5	NUM
fsr-3442	389	10	2	2	NUM
fsr-3442	389	11	p	p	NOUN
fsr-3442	389	12	an	an	DET
fsr-3442	389	13	el	el	PROPN
fsr-3442	389	14	b	b	PROPN
fsr-3442	389	15	:	:	PUNCT
fsr-3442	390	1	c	c	X
fsr-3442	390	2	o	o	NOUN
fsr-3442	391	1	m	m	VERB
fsr-3442	391	2	p	p	X
fsr-3442	391	3	o	o	X
fsr-3442	391	4	si	si	X
fsr-3442	391	5	te	te	X
fsr-3442	391	6	te	te	PROPN
fsr-3442	391	7	ch	ch	PROPN
fsr-3442	391	8	n	n	PROPN
fsr-3442	391	9	o	o	NOUN
fsr-3442	392	1	lo	lo	NOUN
fsr-3442	392	2	g	g	PROPN
fsr-3442	392	3	y	y	PROPN
fsr-3442	392	4	u	u	PROPN
fsr-3442	392	5	sa	sa	PROPN
fsr-3442	392	6	g	g	PROPN
fsr-3442	392	7	e	e	PROPN
fsr-3442	392	8	m	m	PROPN
fsr-3442	392	9	ea	ea	X
fsr-3442	392	10	su	su	PROPN
fsr-3442	392	11	re	re	PROPN
fsr-3442	392	12	s	s	PROPN
fsr-3442	392	13	fr	fr	INTJ
fsr-3442	392	14	o	o	NOUN
fsr-3442	392	15	m	m	VERB
fsr-3442	392	16	p	p	NOUN
fsr-3442	392	17	ri	ri	PROPN
fsr-3442	392	18	n	n	CCONJ
fsr-3442	392	19	ci	ci	PROPN
fsr-3442	392	20	p	p	PROPN
fsr-3442	392	21	al	al	PROPN
fsr-3442	392	22	co	co	NOUN
fsr-3442	392	23	m	m	PROPN
fsr-3442	392	24	p	p	NOUN
fsr-3442	392	25	o	o	X
fsr-3442	392	26	n	n	CCONJ
fsr-3442	392	27	en	en	ADP
fsr-3442	392	28	t	t	PROPN
fsr-3442	392	29	an	an	DET
fsr-3442	392	30	al	al	PROPN
fsr-3442	392	31	y	y	PROPN
fsr-3442	392	32	si	si	PROPN
fsr-3442	392	33	s	s	NOUN
fsr-3442	392	34	m	m	VERB
fsr-3442	392	35	ea	ea	ADP
fsr-3442	392	36	n	n	CCONJ
fsr-3442	392	37	m	m	PROPN
fsr-3442	392	38	ed	ed	PROPN
fsr-3442	392	39	ia	ia	PROPN
fsr-3442	392	40	n	n	ADP
fsr-3442	392	41	t	t	PROPN
fsr-3442	392	42	ra	ra	PROPN
fsr-3442	392	43	n	n	PROPN
fsr-3442	392	44	sa	sa	PROPN
fsr-3442	392	45	ct	ct	PROPN
fsr-3442	392	46	io	io	PROPN
fsr-3442	392	47	n	n	PROPN
fsr-3442	392	48	al	al	PROPN
fsr-3442	392	49	te	te	PROPN
fsr-3442	392	50	ch	ch	PROPN
fsr-3442	392	51	u	u	PROPN
fsr-3442	392	52	sa	sa	PROPN
fsr-3442	392	53	g	g	PROPN
fsr-3442	392	54	e	e	PROPN
fsr-3442	392	55	in	in	ADP
fsr-3442	392	56	d	d	PROPN
fsr-3442	392	57	ex	ex	X
fsr-3442	392	58	�	�	PROPN
fsr-3442	392	59	0	0	NUM
fsr-3442	392	60	.0	.0	NUM
fsr-3442	392	61	9	9	NUM
fsr-3442	392	62	5	5	NUM
fsr-3442	392	63	0	0	NUM
fsr-3442	392	64	.2	.2	NUM
fsr-3442	392	65	8	8	NUM
fsr-3442	392	66	6	6	NUM
fsr-3442	392	67	p	p	NOUN
fsr-3442	392	68	la	la	PROPN
fsr-3442	392	69	n	n	CCONJ
fsr-3442	392	70	n	n	NOUN
fsr-3442	392	71	in	in	ADP
fsr-3442	392	72	g	g	PROPN
fsr-3442	392	73	te	te	PROPN
fsr-3442	392	74	ch	ch	PROPN
fsr-3442	392	75	u	u	PROPN
fsr-3442	392	76	sa	sa	PROPN
fsr-3442	392	77	g	g	PROPN
fsr-3442	392	78	e	e	PROPN
fsr-3442	392	79	in	in	ADP
fsr-3442	392	80	d	d	PROPN
fsr-3442	392	81	ex	ex	X
fsr-3442	392	82	�	�	PROPN
fsr-3442	392	83	0	0	NUM
fsr-3442	392	84	.0	.0	NUM
fsr-3442	392	85	5	5	NUM
fsr-3442	392	86	8	8	NUM
fsr-3442	392	87	0	0	NUM
fsr-3442	392	88	.3	.3	NUM
fsr-3442	392	89	8	8	NUM
fsr-3442	392	90	5	5	NUM
fsr-3442	392	91	p	p	NOUN
fsr-3442	392	92	an	an	PROPN
fsr-3442	392	93	el	el	PROPN
fsr-3442	392	94	c	c	PROPN
fsr-3442	392	95	:	:	PUNCT
fsr-3442	392	96	o	o	X
fsr-3442	392	97	th	th	X
fsr-3442	392	98	er	er	INTJ
fsr-3442	392	99	co	co	NOUN
fsr-3442	392	100	n	n	PRON
fsr-3442	392	101	tr	tr	NOUN
fsr-3442	392	102	o	o	PROPN
fsr-3442	392	103	l	l	PROPN
fsr-3442	392	104	v	v	PROPN
fsr-3442	392	105	ar	ar	PROPN
fsr-3442	392	106	ia	ia	PROPN
fsr-3442	392	107	b	b	PROPN
fsr-3442	392	108	le	le	PROPN
fsr-3442	392	109	s	s	PROPN
fsr-3442	392	110	o	o	NOUN
fsr-3442	392	111	n	n	CCONJ
fsr-3442	392	112	g	g	PROPN
fsr-3442	392	113	en	en	INTJ
fsr-3442	392	114	er	er	INTJ
fsr-3442	392	115	al	al	PROPN
fsr-3442	392	116	h	h	NOUN
fsr-3442	392	117	o	o	X
fsr-3442	392	118	u	u	X
fsr-3442	392	119	se	se	PROPN
fsr-3442	392	120	h	h	PROPN
fsr-3442	393	1	o	o	INTJ
fsr-3442	393	2	ld	ld	INTJ
fsr-3442	393	3	ca	can	AUX
fsr-3442	393	4	p	p	PROPN
fsr-3442	394	1	it	it	PRON
fsr-3442	394	2	al	al	PROPN
fsr-3442	394	3	v	v	PROPN
fsr-3442	394	4	ar	ar	PROPN
fsr-3442	394	5	ia	ia	PROPN
fsr-3442	394	6	b	b	PROPN
fsr-3442	394	7	le	le	X
fsr-3442	394	8	s	s	PROPN
fsr-3442	394	9	m	m	PROPN
fsr-3442	394	10	ea	ea	X
fsr-3442	394	11	su	su	PROPN
fsr-3442	394	12	re	re	VERB
fsr-3442	394	13	m	m	PROPN
fsr-3442	394	14	en	en	ADP
fsr-3442	394	15	t	t	PROPN
fsr-3442	394	16	b	b	PROPN
fsr-3442	394	17	an	an	DET
fsr-3442	394	18	k	k	NOUN
fsr-3442	394	19	ed	ed	NOUN
fsr-3442	394	20	h	h	NOUN
fsr-3442	394	21	o	o	X
fsr-3442	394	22	u	u	X
fsr-3442	395	1	se	se	PROPN
fsr-3442	395	2	h	h	PROPN
fsr-3442	395	3	o	o	X
fsr-3442	395	4	ld	ld	PROPN
fsr-3442	395	5	s	s	X
fsr-3442	395	6	(	(	PUNCT
fsr-3442	395	7	%	%	NOUN
fsr-3442	395	8	)	)	PUNCT
fsr-3442	395	9	f	f	PROPN
fsr-3442	395	10	in	in	ADP
fsr-3442	395	11	an	an	DET
fsr-3442	395	12	ci	ci	NOUN
fsr-3442	395	13	al	al	PROPN
fsr-3442	396	1	so	so	ADV
fsr-3442	396	2	p	p	PROPN
fsr-3442	396	3	h	h	NOUN
fsr-3442	396	4	is	be	AUX
fsr-3442	396	5	ti	ti	NOUN
fsr-3442	396	6	ca	ca	NOUN
fsr-3442	396	7	ti	ti	VERB
fsr-3442	396	8	o	o	NOUN
fsr-3442	396	9	n	n	ADV
fsr-3442	396	10	0	0	NUM
fsr-3442	396	11	–	–	PUNCT
fsr-3442	396	12	2	2	NUM
fsr-3442	396	13	0	0	NUM
fsr-3442	396	14	p	p	NOUN
fsr-3442	396	15	er	er	INTJ
fsr-3442	396	16	ce	ce	PROPN
fsr-3442	396	17	n	n	CCONJ
fsr-3442	396	18	ti	ti	X
fsr-3442	396	19	le	le	X
fsr-3442	396	20	1	1	NUM
fsr-3442	396	21	if	if	SCONJ
fsr-3442	396	22	h	h	PRON
fsr-3442	396	23	o	o	X
fsr-3442	396	24	u	u	X
fsr-3442	396	25	se	se	PROPN
fsr-3442	396	26	h	h	PROPN
fsr-3442	396	27	o	o	X
fsr-3442	396	28	ld	ld	PROPN
fsr-3442	396	29	fi	fi	NOUN
fsr-3442	396	30	n	n	CCONJ
fsr-3442	396	31	an	an	DET
fsr-3442	396	32	ci	ci	NOUN
fsr-3442	396	33	al	al	PROPN
fsr-3442	397	1	so	so	ADV
fsr-3442	397	2	p	p	PROPN
fsr-3442	397	3	h	h	NOUN
fsr-3442	397	4	is	be	AUX
fsr-3442	397	5	ti	ti	NOUN
fsr-3442	397	6	ca	ca	NOUN
fsr-3442	397	7	ti	ti	NOUN
fsr-3442	397	8	o	o	NOUN
fsr-3442	397	9	n	n	ADV
fsr-3442	397	10	le	le	X
fsr-3442	397	11	v	v	PROPN
fsr-3442	397	12	el	el	PROPN
fsr-3442	397	13	is	be	AUX
fsr-3442	397	14	in	in	ADP
fsr-3442	397	15	th	th	X
fsr-3442	397	16	e	e	NOUN
fsr-3442	397	17	0	0	NUM
fsr-3442	397	18	%	%	NOUN
fsr-3442	397	19	to	to	ADP
fsr-3442	397	20	2	2	NUM
fsr-3442	397	21	0	0	NUM
fsr-3442	397	22	%	%	NOUN
fsr-3442	397	23	ra	ra	INTJ
fsr-3442	398	1	n	n	CCONJ
fsr-3442	398	2	g	g	PROPN
fsr-3442	398	3	e	e	PROPN
fsr-3442	398	4	,	,	PUNCT
fsr-3442	398	5	0	0	NUM
fsr-3442	398	6	o	o	NOUN
fsr-3442	398	7	th	th	X
fsr-3442	398	8	er	er	INTJ
fsr-3442	398	9	w	w	PROPN
fsr-3442	398	10	is	be	AUX
fsr-3442	398	11	e	e	X
fsr-3442	398	12	2	2	NUM
fsr-3442	398	13	0	0	NUM
fsr-3442	398	14	2	2	NUM
fsr-3442	398	15	1	1	NUM
fsr-3442	398	16	–	–	PUNCT
fsr-3442	398	17	4	4	NUM
fsr-3442	398	18	0	0	NUM
fsr-3442	398	19	p	p	NOUN
fsr-3442	398	20	er	er	INTJ
fsr-3442	398	21	ce	ce	PROPN
fsr-3442	398	22	n	n	CCONJ
fsr-3442	398	23	ti	ti	X
fsr-3442	398	24	le	le	X
fsr-3442	398	25	1	1	NUM
fsr-3442	399	1	if	if	SCONJ
fsr-3442	399	2	h	h	PRON
fsr-3442	399	3	o	o	X
fsr-3442	399	4	u	u	X
fsr-3442	399	5	se	se	PROPN
fsr-3442	399	6	h	h	PROPN
fsr-3442	399	7	o	o	X
fsr-3442	399	8	ld	ld	PROPN
fsr-3442	399	9	fi	fi	NOUN
fsr-3442	399	10	n	n	CCONJ
fsr-3442	399	11	an	an	DET
fsr-3442	399	12	ci	ci	NOUN
fsr-3442	399	13	al	al	PROPN
fsr-3442	400	1	so	so	ADV
fsr-3442	400	2	p	p	PROPN
fsr-3442	400	3	h	h	NOUN
fsr-3442	400	4	is	be	AUX
fsr-3442	400	5	ti	ti	NOUN
fsr-3442	400	6	ca	ca	NOUN
fsr-3442	400	7	ti	ti	NOUN
fsr-3442	400	8	o	o	NOUN
fsr-3442	400	9	n	n	ADV
fsr-3442	400	10	le	le	X
fsr-3442	400	11	v	v	PROPN
fsr-3442	400	12	el	el	PROPN
fsr-3442	400	13	is	be	AUX
fsr-3442	400	14	in	in	ADP
fsr-3442	400	15	th	th	X
fsr-3442	400	16	e	e	X
fsr-3442	400	17	2	2	NUM
fsr-3442	400	18	0	0	NUM
fsr-3442	400	19	%	%	NOUN
fsr-3442	400	20	to	to	ADP
fsr-3442	400	21	4	4	NUM
fsr-3442	400	22	0	0	NUM
fsr-3442	400	23	%	%	NOUN
fsr-3442	400	24	ra	ra	INTJ
fsr-3442	401	1	n	n	CCONJ
fsr-3442	401	2	g	g	PROPN
fsr-3442	401	3	e	e	PROPN
fsr-3442	401	4	,	,	PUNCT
fsr-3442	401	5	0	0	NUM
fsr-3442	401	6	o	o	NOUN
fsr-3442	401	7	th	th	X
fsr-3442	401	8	er	er	INTJ
fsr-3442	401	9	w	w	PROPN
fsr-3442	401	10	is	be	AUX
fsr-3442	401	11	e	e	X
fsr-3442	401	12	2	2	NUM
fsr-3442	401	13	0	0	NUM
fsr-3442	401	14	4	4	NUM
fsr-3442	401	15	1	1	NUM
fsr-3442	401	16	–	–	PUNCT
fsr-3442	401	17	6	6	NUM
fsr-3442	401	18	0	0	NUM
fsr-3442	401	19	p	p	NOUN
fsr-3442	401	20	er	er	INTJ
fsr-3442	401	21	ce	ce	PROPN
fsr-3442	401	22	n	n	CCONJ
fsr-3442	401	23	ti	ti	X
fsr-3442	401	24	le	le	X
fsr-3442	401	25	1	1	NUM
fsr-3442	402	1	if	if	SCONJ
fsr-3442	402	2	h	h	PRON
fsr-3442	402	3	o	o	X
fsr-3442	402	4	u	u	X
fsr-3442	402	5	se	se	PROPN
fsr-3442	402	6	h	h	PROPN
fsr-3442	402	7	o	o	X
fsr-3442	402	8	ld	ld	PROPN
fsr-3442	402	9	fi	fi	NOUN
fsr-3442	402	10	n	n	CCONJ
fsr-3442	402	11	an	an	DET
fsr-3442	402	12	ci	ci	NOUN
fsr-3442	402	13	al	al	PROPN
fsr-3442	403	1	so	so	ADV
fsr-3442	403	2	p	p	PROPN
fsr-3442	403	3	h	h	NOUN
fsr-3442	403	4	is	be	AUX
fsr-3442	403	5	ti	ti	NOUN
fsr-3442	403	6	ca	ca	NOUN
fsr-3442	403	7	ti	ti	NOUN
fsr-3442	403	8	o	o	NOUN
fsr-3442	403	9	n	n	ADV
fsr-3442	403	10	le	le	X
fsr-3442	403	11	v	v	PROPN
fsr-3442	403	12	el	el	PROPN
fsr-3442	403	13	is	be	AUX
fsr-3442	403	14	in	in	ADP
fsr-3442	403	15	th	th	X
fsr-3442	403	16	e	e	NOUN
fsr-3442	403	17	4	4	NUM
fsr-3442	403	18	0	0	NUM
fsr-3442	403	19	%	%	NOUN
fsr-3442	403	20	to	to	ADP
fsr-3442	403	21	6	6	NUM
fsr-3442	403	22	0	0	NUM
fsr-3442	403	23	%	%	NOUN
fsr-3442	403	24	ra	ra	INTJ
fsr-3442	404	1	n	n	CCONJ
fsr-3442	404	2	g	g	PROPN
fsr-3442	404	3	e	e	PROPN
fsr-3442	404	4	,	,	PUNCT
fsr-3442	404	5	0	0	NUM
fsr-3442	404	6	o	o	NOUN
fsr-3442	404	7	th	th	X
fsr-3442	404	8	er	er	INTJ
fsr-3442	404	9	w	w	PROPN
fsr-3442	404	10	is	be	AUX
fsr-3442	404	11	e	e	X
fsr-3442	404	12	2	2	NUM
fsr-3442	404	13	0	0	NUM
fsr-3442	404	14	6	6	NUM
fsr-3442	404	15	1	1	NUM
fsr-3442	404	16	–	–	PUNCT
fsr-3442	404	17	8	8	NUM
fsr-3442	404	18	0	0	NUM
fsr-3442	404	19	p	p	NOUN
fsr-3442	404	20	er	er	INTJ
fsr-3442	404	21	ce	ce	PROPN
fsr-3442	404	22	n	n	CCONJ
fsr-3442	404	23	ti	ti	X
fsr-3442	404	24	le	le	X
fsr-3442	404	25	1	1	NUM
fsr-3442	405	1	if	if	SCONJ
fsr-3442	405	2	h	h	PRON
fsr-3442	405	3	o	o	X
fsr-3442	405	4	u	u	X
fsr-3442	405	5	se	se	PROPN
fsr-3442	405	6	h	h	PROPN
fsr-3442	405	7	o	o	X
fsr-3442	405	8	ld	ld	PROPN
fsr-3442	405	9	fi	fi	NOUN
fsr-3442	405	10	n	n	CCONJ
fsr-3442	405	11	an	an	DET
fsr-3442	405	12	ci	ci	NOUN
fsr-3442	405	13	al	al	PROPN
fsr-3442	406	1	so	so	ADV
fsr-3442	406	2	p	p	PROPN
fsr-3442	406	3	h	h	NOUN
fsr-3442	406	4	is	be	AUX
fsr-3442	406	5	ti	ti	NOUN
fsr-3442	406	6	ca	ca	NOUN
fsr-3442	406	7	ti	ti	NOUN
fsr-3442	406	8	o	o	NOUN
fsr-3442	406	9	n	n	ADV
fsr-3442	406	10	le	le	X
fsr-3442	406	11	v	v	PROPN
fsr-3442	406	12	el	el	PROPN
fsr-3442	406	13	is	be	AUX
fsr-3442	406	14	in	in	ADP
fsr-3442	406	15	th	th	X
fsr-3442	406	16	e	e	NOUN
fsr-3442	406	17	6	6	NUM
fsr-3442	406	18	0	0	NUM
fsr-3442	406	19	%	%	NOUN
fsr-3442	406	20	to	to	PART
fsr-3442	406	21	8	8	NUM
fsr-3442	406	22	0	0	NUM
fsr-3442	406	23	%	%	NOUN
fsr-3442	407	1	ra	ra	INTJ
fsr-3442	407	2	n	n	CCONJ
fsr-3442	407	3	g	g	PROPN
fsr-3442	407	4	e	e	PROPN
fsr-3442	407	5	,	,	PUNCT
fsr-3442	407	6	0	0	NUM
fsr-3442	407	7	o	o	NOUN
fsr-3442	408	1	th	th	X
fsr-3442	408	2	er	er	INTJ
fsr-3442	408	3	w	w	PROPN
fsr-3442	408	4	is	be	AUX
fsr-3442	408	5	e	e	X
fsr-3442	408	6	2	2	NUM
fsr-3442	408	7	0	0	NUM
fsr-3442	408	8	(	(	PUNCT
fsr-3442	408	9	c	c	NOUN
fsr-3442	408	10	o	o	NOUN
fsr-3442	408	11	n	n	CCONJ
fsr-3442	408	12	ti	ti	NOUN
fsr-3442	408	13	n	n	CCONJ
fsr-3442	408	14	u	u	NOUN
fsr-3442	408	15	ed	ed	NOUN
fsr-3442	408	16	o	o	PROPN
fsr-3442	408	17	n	n	CCONJ
fsr-3442	408	18	n	n	NOUN
fsr-3442	408	19	ex	ex	ADJ
fsr-3442	408	20	t	t	NOUN
fsr-3442	408	21	p	p	X
fsr-3442	408	22	a	a	DET
fsr-3442	408	23	g	g	NOUN
fsr-3442	408	24	e	e	NOUN
fsr-3442	408	25	)	)	PUNCT
fsr-3442	408	26	42	42	NUM
fsr-3442	408	27	q.	q.	NOUN
fsr-3442	408	28	bi	bi	NOUN
fsr-3442	408	29	et	et	PROPN
fsr-3442	408	30	al	al	PROPN
fsr-3442	408	31	.	.	PUNCT
fsr-3442	408	32	/	/	SYM
fsr-3442	408	33	financial	financial	ADJ
fsr-3442	408	34	services	service	NOUN
fsr-3442	408	35	review	review	VERB
fsr-3442	408	36	29	29	NUM
fsr-3442	408	37	(	(	PUNCT
fsr-3442	408	38	2021	2021	NUM
fsr-3442	408	39	)	)	PUNCT
fsr-3442	408	40	29–54	29–54	PROPN
fsr-3442	408	41	t	t	PROPN
fsr-3442	408	42	ab	ab	PROPN
fsr-3442	408	43	le	le	X
fsr-3442	408	44	3	3	X
fsr-3442	408	45	(	(	PUNCT
fsr-3442	408	46	c	c	NOUN
fsr-3442	408	47	o	o	NOUN
fsr-3442	408	48	n	n	CCONJ
fsr-3442	408	49	ti	ti	NOUN
fsr-3442	408	50	n	n	CCONJ
fsr-3442	408	51	u	u	NOUN
fsr-3442	408	52	ed	ed	NOUN
fsr-3442	408	53	)	)	PUNCT
fsr-3442	409	1	p	p	NOUN
fsr-3442	409	2	an	an	PROPN
fsr-3442	409	3	el	el	PROPN
fsr-3442	409	4	c	c	PROPN
fsr-3442	409	5	:	:	PUNCT
fsr-3442	409	6	o	o	X
fsr-3442	409	7	th	th	X
fsr-3442	409	8	er	er	INTJ
fsr-3442	409	9	co	co	NOUN
fsr-3442	409	10	n	n	PRON
fsr-3442	409	11	tr	tr	NOUN
fsr-3442	409	12	o	o	PROPN
fsr-3442	409	13	l	l	PROPN
fsr-3442	409	14	v	v	PROPN
fsr-3442	409	15	ar	ar	PROPN
fsr-3442	409	16	ia	ia	PROPN
fsr-3442	409	17	b	b	PROPN
fsr-3442	409	18	le	le	PROPN
fsr-3442	409	19	s	s	PROPN
fsr-3442	409	20	o	o	NOUN
fsr-3442	409	21	n	n	CCONJ
fsr-3442	409	22	g	g	PROPN
fsr-3442	409	23	en	en	INTJ
fsr-3442	409	24	er	er	INTJ
fsr-3442	409	25	al	al	PROPN
fsr-3442	409	26	h	h	NOUN
fsr-3442	410	1	o	o	X
fsr-3442	410	2	u	u	X
fsr-3442	410	3	se	se	PROPN
fsr-3442	410	4	h	h	PROPN
fsr-3442	411	1	o	o	INTJ
fsr-3442	411	2	ld	ld	INTJ
fsr-3442	411	3	ca	can	AUX
fsr-3442	411	4	p	p	PROPN
fsr-3442	412	1	it	it	PRON
fsr-3442	412	2	al	al	PROPN
fsr-3442	412	3	v	v	PROPN
fsr-3442	412	4	ar	ar	PROPN
fsr-3442	412	5	ia	ia	PROPN
fsr-3442	412	6	b	b	PROPN
fsr-3442	412	7	le	le	X
fsr-3442	412	8	s	s	PROPN
fsr-3442	412	9	m	m	PROPN
fsr-3442	412	10	ea	ea	X
fsr-3442	412	11	su	su	PROPN
fsr-3442	412	12	re	re	VERB
fsr-3442	412	13	m	m	PROPN
fsr-3442	412	14	en	en	ADP
fsr-3442	412	15	t	t	PROPN
fsr-3442	412	16	b	b	PROPN
fsr-3442	412	17	an	an	DET
fsr-3442	412	18	k	k	NOUN
fsr-3442	412	19	ed	ed	NOUN
fsr-3442	412	20	h	h	NOUN
fsr-3442	412	21	o	o	X
fsr-3442	412	22	u	u	X
fsr-3442	413	1	se	se	PROPN
fsr-3442	413	2	h	h	PROPN
fsr-3442	413	3	o	o	X
fsr-3442	413	4	ld	ld	PROPN
fsr-3442	413	5	s	s	X
fsr-3442	413	6	(	(	PUNCT
fsr-3442	413	7	%	%	NOUN
fsr-3442	413	8	)	)	PUNCT
fsr-3442	413	9	8	8	NUM
fsr-3442	413	10	1	1	NUM
fsr-3442	413	11	–	–	SYM
fsr-3442	413	12	1	1	NUM
fsr-3442	413	13	0	0	NUM
fsr-3442	413	14	0	0	NUM
fsr-3442	413	15	p	p	NOUN
fsr-3442	413	16	er	er	INTJ
fsr-3442	413	17	ce	ce	PROPN
fsr-3442	413	18	n	n	CCONJ
fsr-3442	413	19	ti	ti	X
fsr-3442	413	20	le	le	X
fsr-3442	413	21	1	1	NUM
fsr-3442	413	22	if	if	SCONJ
fsr-3442	413	23	h	h	PRON
fsr-3442	413	24	o	o	X
fsr-3442	413	25	u	u	X
fsr-3442	413	26	se	se	PROPN
fsr-3442	413	27	h	h	PROPN
fsr-3442	413	28	o	o	X
fsr-3442	413	29	ld	ld	PROPN
fsr-3442	413	30	fi	fi	NOUN
fsr-3442	413	31	n	n	CCONJ
fsr-3442	413	32	an	an	DET
fsr-3442	413	33	ci	ci	NOUN
fsr-3442	413	34	al	al	PROPN
fsr-3442	414	1	so	so	ADV
fsr-3442	414	2	p	p	PROPN
fsr-3442	414	3	h	h	NOUN
fsr-3442	414	4	is	be	AUX
fsr-3442	414	5	ti	ti	NOUN
fsr-3442	414	6	ca	ca	NOUN
fsr-3442	414	7	ti	ti	NOUN
fsr-3442	414	8	o	o	NOUN
fsr-3442	414	9	n	n	ADV
fsr-3442	414	10	le	le	X
fsr-3442	414	11	v	v	PROPN
fsr-3442	414	12	el	el	PROPN
fsr-3442	414	13	is	be	AUX
fsr-3442	414	14	in	in	ADP
fsr-3442	414	15	th	th	X
fsr-3442	414	16	e	e	NOUN
fsr-3442	414	17	8	8	NUM
fsr-3442	414	18	0	0	NUM
fsr-3442	414	19	%	%	NOUN
fsr-3442	414	20	to	to	ADP
fsr-3442	414	21	1	1	NUM
fsr-3442	414	22	0	0	NUM
fsr-3442	414	23	0	0	NUM
fsr-3442	414	24	%	%	NOUN
fsr-3442	414	25	ra	ra	INTJ
fsr-3442	415	1	n	n	CCONJ
fsr-3442	415	2	g	g	PROPN
fsr-3442	415	3	e	e	PROPN
fsr-3442	415	4	,	,	PUNCT
fsr-3442	415	5	0	0	NUM
fsr-3442	415	6	o	o	NOUN
fsr-3442	415	7	th	th	X
fsr-3442	415	8	er	er	INTJ
fsr-3442	415	9	w	w	PROPN
fsr-3442	415	10	is	be	AUX
fsr-3442	415	11	e	e	X
fsr-3442	415	12	2	2	NUM
fsr-3442	415	13	0	0	NUM
fsr-3442	415	14	h	h	NOUN
fsr-3442	416	1	o	o	NOUN
fsr-3442	416	2	m	m	VERB
fsr-3442	416	3	eo	eo	INTJ
fsr-3442	416	4	w	w	PROPN
fsr-3442	416	5	n	n	ADV
fsr-3442	416	6	er	er	INTJ
fsr-3442	416	7	sh	sh	INTJ
fsr-3442	416	8	ip	ip	NOUN
fsr-3442	416	9	1	1	NUM
fsr-3442	416	10	if	if	SCONJ
fsr-3442	416	11	h	h	NOUN
fsr-3442	416	12	o	o	X
fsr-3442	416	13	u	u	X
fsr-3442	417	1	se	se	PROPN
fsr-3442	417	2	h	h	PROPN
fsr-3442	418	1	o	o	X
fsr-3442	418	2	ld	ld	PROPN
fsr-3442	418	3	o	o	X
fsr-3442	418	4	w	w	PROPN
fsr-3442	418	5	n	n	PROPN
fsr-3442	418	6	s	s	NOUN
fsr-3442	418	7	o	o	NOUN
fsr-3442	418	8	r	r	NOUN
fsr-3442	418	9	p	p	PROPN
fsr-3442	418	10	ar	ar	NOUN
fsr-3442	419	1	ti	ti	PROPN
fsr-3442	419	2	al	al	PROPN
fsr-3442	419	3	ly	ly	ADP
fsr-3442	419	4	o	o	PROPN
fsr-3442	419	5	w	w	PROPN
fsr-3442	419	6	n	n	PROPN
fsr-3442	419	7	s	s	PROPN
fsr-3442	419	8	a	a	DET
fsr-3442	419	9	h	h	NOUN
fsr-3442	420	1	o	o	NOUN
fsr-3442	420	2	m	m	NOUN
fsr-3442	420	3	e	e	NOUN
fsr-3442	420	4	,	,	PUNCT
fsr-3442	420	5	0	0	NUM
fsr-3442	420	6	o	o	NOUN
fsr-3442	420	7	th	th	X
fsr-3442	420	8	er	er	INTJ
fsr-3442	420	9	w	w	PROPN
fsr-3442	420	10	is	be	AUX
fsr-3442	420	11	e	e	PROPN
fsr-3442	420	12	6	6	NUM
fsr-3442	420	13	8	8	NUM
fsr-3442	420	14	.1	.1	NUM
fsr-3442	420	15	a	a	DET
fsr-3442	420	16	g	g	NOUN
fsr-3442	420	17	e	e	NOUN
fsr-3442	420	18	1	1	NUM
fsr-3442	420	19	8	8	NUM
fsr-3442	420	20	–	–	PUNCT
fsr-3442	420	21	3	3	NUM
fsr-3442	420	22	4	4	NUM
fsr-3442	420	23	1	1	NUM
fsr-3442	420	24	if	if	SCONJ
fsr-3442	420	25	th	th	X
fsr-3442	420	26	e	e	VERB
fsr-3442	420	27	h	h	NOUN
fsr-3442	421	1	ea	ea	PROPN
fsr-3442	422	1	d	d	X
fsr-3442	422	2	o	o	X
fsr-3442	423	1	f	f	NOUN
fsr-3442	423	2	h	h	NOUN
fsr-3442	423	3	o	o	X
fsr-3442	423	4	u	u	INTJ
fsr-3442	424	1	se	se	PROPN
fsr-3442	424	2	h	h	PROPN
fsr-3442	425	1	o	o	PROPN
fsr-3442	425	2	ld	ld	PROPN
fsr-3442	425	3	is	be	AUX
fsr-3442	425	4	ag	ag	PROPN
fsr-3442	425	5	e	e	NOUN
fsr-3442	425	6	1	1	NUM
fsr-3442	425	7	8	8	NUM
fsr-3442	425	8	-3	-3	SYM
fsr-3442	425	9	4	4	NUM
fsr-3442	425	10	,	,	PUNCT
fsr-3442	425	11	0	0	NUM
fsr-3442	425	12	o	o	NOUN
fsr-3442	426	1	th	th	X
fsr-3442	426	2	er	er	INTJ
fsr-3442	426	3	w	w	PROPN
fsr-3442	426	4	is	be	AUX
fsr-3442	426	5	e	e	PROPN
fsr-3442	426	6	2	2	NUM
fsr-3442	426	7	1	1	NUM
fsr-3442	426	8	.3	.3	NUM
fsr-3442	426	9	3	3	NUM
fsr-3442	426	10	5	5	NUM
fsr-3442	426	11	–	–	PUNCT
fsr-3442	426	12	4	4	NUM
fsr-3442	426	13	9	9	NUM
fsr-3442	426	14	1	1	NUM
fsr-3442	426	15	if	if	SCONJ
fsr-3442	426	16	th	th	X
fsr-3442	426	17	e	e	VERB
fsr-3442	426	18	h	h	NOUN
fsr-3442	427	1	ea	ea	PROPN
fsr-3442	428	1	d	d	X
fsr-3442	428	2	o	o	X
fsr-3442	429	1	f	f	NOUN
fsr-3442	429	2	h	h	NOUN
fsr-3442	429	3	o	o	X
fsr-3442	429	4	u	u	INTJ
fsr-3442	430	1	se	se	PROPN
fsr-3442	430	2	h	h	PROPN
fsr-3442	431	1	o	o	PROPN
fsr-3442	431	2	ld	ld	PROPN
fsr-3442	431	3	is	be	AUX
fsr-3442	431	4	ag	ag	PROPN
fsr-3442	431	5	e	e	NOUN
fsr-3442	431	6	3	3	NUM
fsr-3442	431	7	5	5	NUM
fsr-3442	431	8	-4	-4	SYM
fsr-3442	431	9	9	9	NUM
fsr-3442	431	10	,	,	PUNCT
fsr-3442	431	11	0	0	NUM
fsr-3442	431	12	o	o	NOUN
fsr-3442	431	13	th	th	X
fsr-3442	431	14	er	er	INTJ
fsr-3442	431	15	w	w	PROPN
fsr-3442	431	16	is	be	AUX
fsr-3442	431	17	e	e	X
fsr-3442	431	18	2	2	NUM
fsr-3442	431	19	6	6	NUM
fsr-3442	431	20	.4	.4	NUM
fsr-3442	431	21	5	5	NUM
fsr-3442	431	22	0	0	NUM
fsr-3442	431	23	–	–	PUNCT
fsr-3442	431	24	6	6	NUM
fsr-3442	431	25	4	4	NUM
fsr-3442	431	26	1	1	NUM
fsr-3442	431	27	if	if	SCONJ
fsr-3442	431	28	th	th	X
fsr-3442	431	29	e	e	VERB
fsr-3442	431	30	h	h	NOUN
fsr-3442	432	1	ea	ea	PROPN
fsr-3442	433	1	d	d	X
fsr-3442	433	2	o	o	X
fsr-3442	434	1	f	f	NOUN
fsr-3442	434	2	h	h	NOUN
fsr-3442	434	3	o	o	X
fsr-3442	434	4	u	u	INTJ
fsr-3442	435	1	se	se	PROPN
fsr-3442	435	2	h	h	PROPN
fsr-3442	436	1	o	o	PROPN
fsr-3442	436	2	ld	ld	PROPN
fsr-3442	436	3	is	be	AUX
fsr-3442	436	4	ag	ag	PROPN
fsr-3442	436	5	e	e	X
fsr-3442	436	6	5	5	NUM
fsr-3442	436	7	0	0	NUM
fsr-3442	436	8	-6	-6	PROPN
fsr-3442	436	9	4	4	NUM
fsr-3442	436	10	,	,	PUNCT
fsr-3442	436	11	0	0	NUM
fsr-3442	436	12	o	o	NOUN
fsr-3442	437	1	th	th	X
fsr-3442	437	2	er	er	INTJ
fsr-3442	437	3	w	w	PROPN
fsr-3442	437	4	is	be	AUX
fsr-3442	437	5	e	e	X
fsr-3442	437	6	2	2	NUM
fsr-3442	437	7	9	9	NUM
fsr-3442	437	8	6	6	NUM
fsr-3442	437	9	5	5	NUM
fsr-3442	437	10	an	an	DET
fsr-3442	437	11	d	d	X
fsr-3442	437	12	o	o	X
fsr-3442	437	13	v	v	INTJ
fsr-3442	437	14	er	er	INTJ
fsr-3442	437	15	1	1	NUM
fsr-3442	437	16	if	if	SCONJ
fsr-3442	437	17	th	th	X
fsr-3442	437	18	e	e	VERB
fsr-3442	437	19	h	h	NOUN
fsr-3442	438	1	ea	ea	PROPN
fsr-3442	439	1	d	d	X
fsr-3442	439	2	o	o	X
fsr-3442	440	1	f	f	NOUN
fsr-3442	440	2	h	h	NOUN
fsr-3442	440	3	o	o	X
fsr-3442	440	4	u	u	INTJ
fsr-3442	441	1	se	se	PROPN
fsr-3442	441	2	h	h	PROPN
fsr-3442	442	1	o	o	PROPN
fsr-3442	442	2	ld	ld	PROPN
fsr-3442	442	3	is	be	AUX
fsr-3442	442	4	ag	ag	PROPN
fsr-3442	442	5	e	e	NOUN
fsr-3442	442	6	6	6	NUM
fsr-3442	442	7	5	5	NUM
fsr-3442	442	8	an	an	DET
fsr-3442	442	9	d	d	X
fsr-3442	442	10	o	o	X
fsr-3442	442	11	v	v	ADP
fsr-3442	442	12	er	er	INTJ
fsr-3442	442	13	,	,	PUNCT
fsr-3442	442	14	0	0	NUM
fsr-3442	443	1	o	o	NOUN
fsr-3442	443	2	th	th	X
fsr-3442	443	3	er	er	INTJ
fsr-3442	443	4	w	w	PROPN
fsr-3442	443	5	is	be	AUX
fsr-3442	443	6	e	e	PROPN
fsr-3442	443	7	2	2	NUM
fsr-3442	443	8	3	3	NUM
fsr-3442	443	9	.3	.3	NUM
fsr-3442	443	10	e	e	NOUN
fsr-3442	444	1	d	d	X
fsr-3442	444	2	u	u	PRON
fsr-3442	444	3	ca	can	AUX
fsr-3442	444	4	ti	ti	NOUN
fsr-3442	444	5	o	o	NOUN
fsr-3442	444	6	n	n	ADV
fsr-3442	444	7	le	le	X
fsr-3442	444	8	v	v	PROPN
fsr-3442	444	9	el	el	PROPN
fsr-3442	444	10	l	l	PROPN
fsr-3442	444	11	es	es	X
fsr-3442	444	12	s	s	X
fsr-3442	444	13	th	th	X
fsr-3442	444	14	an	an	DET
fsr-3442	444	15	h	h	NOUN
fsr-3442	445	1	ig	ig	PROPN
fsr-3442	445	2	h	h	NOUN
fsr-3442	445	3	sc	sc	NOUN
fsr-3442	446	1	h	h	NOUN
fsr-3442	447	1	o	o	NOUN
fsr-3442	447	2	o	o	X
fsr-3442	447	3	l	l	NOUN
fsr-3442	447	4	1	1	NUM
fsr-3442	448	1	if	if	SCONJ
fsr-3442	448	2	h	h	PRON
fsr-3442	448	3	o	o	X
fsr-3442	448	4	u	u	X
fsr-3442	448	5	se	se	PROPN
fsr-3442	448	6	h	h	PROPN
fsr-3442	448	7	o	o	X
fsr-3442	448	8	ld	ld	PROPN
fsr-3442	448	9	h	h	NOUN
fsr-3442	449	1	ig	ig	PROPN
fsr-3442	449	2	h	h	NOUN
fsr-3442	449	3	es	es	X
fsr-3442	449	4	t	t	PROPN
fsr-3442	449	5	le	le	X
fsr-3442	449	6	v	v	PROPN
fsr-3442	449	7	el	el	PROPN
fsr-3442	449	8	o	o	PROPN
fsr-3442	450	1	f	f	PROPN
fsr-3442	450	2	sc	sc	INTJ
fsr-3442	451	1	h	h	NOUN
fsr-3442	452	1	o	o	NOUN
fsr-3442	452	2	o	o	X
fsr-3442	452	3	l	l	X
fsr-3442	452	4	co	co	NOUN
fsr-3442	452	5	m	m	PROPN
fsr-3442	452	6	p	p	X
fsr-3442	452	7	le	le	X
fsr-3442	452	8	te	te	PROPN
fsr-3442	452	9	d	d	PROPN
fsr-3442	452	10	is	be	AUX
fsr-3442	452	11	<	<	X
fsr-3442	452	12	1	1	NUM
fsr-3442	452	13	2	2	NUM
fsr-3442	452	14	,	,	PUNCT
fsr-3442	452	15	0	0	NUM
fsr-3442	453	1	o	o	NOUN
fsr-3442	453	2	th	th	X
fsr-3442	453	3	er	er	INTJ
fsr-3442	453	4	w	w	PROPN
fsr-3442	453	5	is	be	AUX
fsr-3442	453	6	e	e	X
fsr-3442	453	7	6	6	NUM
fsr-3442	453	8	h	h	NOUN
fsr-3442	454	1	ig	ig	PROPN
fsr-3442	454	2	h	h	NOUN
fsr-3442	454	3	sc	sc	NOUN
fsr-3442	455	1	h	h	NOUN
fsr-3442	455	2	o	o	NOUN
fsr-3442	455	3	o	o	NOUN
fsr-3442	455	4	l/	l/	NOUN
fsr-3442	455	5	g	g	PROPN
fsr-3442	455	6	e	e	PROPN
fsr-3442	455	7	d	d	PROPN
fsr-3442	455	8	1	1	NUM
fsr-3442	456	1	if	if	SCONJ
fsr-3442	456	2	h	h	PRON
fsr-3442	456	3	o	o	X
fsr-3442	456	4	u	u	X
fsr-3442	456	5	se	se	PROPN
fsr-3442	456	6	h	h	PROPN
fsr-3442	456	7	o	o	X
fsr-3442	456	8	ld	ld	PROPN
fsr-3442	456	9	h	h	NOUN
fsr-3442	457	1	ig	ig	PROPN
fsr-3442	457	2	h	h	NOUN
fsr-3442	457	3	es	es	X
fsr-3442	457	4	t	t	PROPN
fsr-3442	457	5	le	le	X
fsr-3442	457	6	v	v	PROPN
fsr-3442	457	7	el	el	PROPN
fsr-3442	457	8	o	o	PROPN
fsr-3442	458	1	f	f	PROPN
fsr-3442	458	2	sc	sc	INTJ
fsr-3442	459	1	h	h	NOUN
fsr-3442	460	1	o	o	NOUN
fsr-3442	460	2	o	o	X
fsr-3442	460	3	l	l	X
fsr-3442	460	4	co	co	NOUN
fsr-3442	460	5	m	m	PROPN
fsr-3442	460	6	p	p	X
fsr-3442	460	7	le	le	X
fsr-3442	460	8	te	te	PROPN
fsr-3442	460	9	d	d	X
fsr-3442	460	10	is	be	AUX
fsr-3442	460	11	=	=	NUM
fsr-3442	460	12	1	1	NUM
fsr-3442	460	13	2	2	NUM
fsr-3442	460	14	o	o	NOUN
fsr-3442	460	15	r	r	NOUN
fsr-3442	460	16	h	h	NOUN
fsr-3442	460	17	ig	ig	PROPN
fsr-3442	461	1	h	h	NOUN
fsr-3442	461	2	sc	sc	NOUN
fsr-3442	462	1	h	h	NOUN
fsr-3442	463	1	o	o	NOUN
fsr-3442	464	1	o	o	X
fsr-3442	464	2	l	l	X
fsr-3442	465	1	d	d	NOUN
fsr-3442	465	2	ip	ip	NOUN
fsr-3442	465	3	lo	lo	NOUN
fsr-3442	465	4	m	m	NOUN
fsr-3442	465	5	a/	a/	NOUN
fsr-3442	465	6	g	g	PROPN
fsr-3442	465	7	e	e	PROPN
fsr-3442	465	8	d	d	PROPN
fsr-3442	465	9	,	,	PUNCT
fsr-3442	465	10	0	0	NUM
fsr-3442	465	11	o	o	NOUN
fsr-3442	466	1	th	th	X
fsr-3442	466	2	er	er	INTJ
fsr-3442	466	3	w	w	PROPN
fsr-3442	466	4	is	be	AUX
fsr-3442	466	5	e	e	PROPN
fsr-3442	466	6	2	2	NUM
fsr-3442	466	7	4	4	NUM
fsr-3442	466	8	.8	.8	NUM
fsr-3442	466	9	s	s	PART
fsr-3442	466	10	o	o	NOUN
fsr-3442	466	11	m	m	VERB
fsr-3442	466	12	e	e	NOUN
fsr-3442	466	13	co	co	NOUN
fsr-3442	466	14	ll	ll	AUX
fsr-3442	466	15	eg	eg	VERB
fsr-3442	466	16	e	e	PROPN
fsr-3442	466	17	1	1	NUM
fsr-3442	466	18	if	if	SCONJ
fsr-3442	466	19	h	h	NOUN
fsr-3442	466	20	o	o	X
fsr-3442	466	21	u	u	X
fsr-3442	466	22	se	se	PROPN
fsr-3442	466	23	h	h	PROPN
fsr-3442	467	1	o	o	X
fsr-3442	467	2	ld	ld	PROPN
fsr-3442	467	3	h	h	NOUN
fsr-3442	468	1	ig	ig	PROPN
fsr-3442	468	2	h	h	NOUN
fsr-3442	468	3	es	es	X
fsr-3442	468	4	t	t	PROPN
fsr-3442	468	5	le	le	X
fsr-3442	468	6	v	v	PROPN
fsr-3442	468	7	el	el	PROPN
fsr-3442	468	8	o	o	PROPN
fsr-3442	469	1	f	f	PROPN
fsr-3442	469	2	sc	sc	INTJ
fsr-3442	470	1	h	h	NOUN
fsr-3442	471	1	o	o	NOUN
fsr-3442	471	2	o	o	X
fsr-3442	471	3	l	l	X
fsr-3442	471	4	co	co	NOUN
fsr-3442	471	5	m	m	PROPN
fsr-3442	471	6	p	p	X
fsr-3442	471	7	le	le	X
fsr-3442	471	8	te	te	PROPN
fsr-3442	471	9	d	d	PROPN
fsr-3442	471	10	is	be	AUX
fsr-3442	471	11	>	>	X
fsr-3442	471	12	1	1	NUM
fsr-3442	471	13	2	2	NUM
fsr-3442	471	14	b	b	X
fsr-3442	471	15	u	u	NOUN
fsr-3442	471	16	t	t	PROPN
fsr-3442	471	17	n	n	ADV
fsr-3442	471	18	ev	ev	INTJ
fsr-3442	471	19	er	er	INTJ
fsr-3442	471	20	g	g	PROPN
fsr-3442	471	21	et	et	PROPN
fsr-3442	471	22	a	a	DET
fsr-3442	471	23	co	co	X
fsr-3442	471	24	ll	ll	NOUN
fsr-3442	471	25	eg	eg	NOUN
fsr-3442	471	26	e	e	PROPN
fsr-3442	472	1	d	d	PROPN
fsr-3442	472	2	eg	eg	X
fsr-3442	472	3	re	re	X
fsr-3442	472	4	e	e	PROPN
fsr-3442	472	5	,	,	PUNCT
fsr-3442	472	6	0	0	NUM
fsr-3442	472	7	o	o	NOUN
fsr-3442	472	8	th	th	X
fsr-3442	472	9	er	er	INTJ
fsr-3442	472	10	w	w	PROPN
fsr-3442	472	11	is	be	AUX
fsr-3442	472	12	e	e	PROPN
fsr-3442	472	13	2	2	NUM
fsr-3442	472	14	6	6	NUM
fsr-3442	472	15	.8	.8	PROPN
fsr-3442	472	16	b	b	PROPN
fsr-3442	472	17	ac	ac	PROPN
fsr-3442	473	1	h	h	PROPN
fsr-3442	474	1	el	el	PROPN
fsr-3442	474	2	o	o	INTJ
fsr-3442	475	1	rs	rs	INTJ
fsr-3442	475	2	o	o	NOUN
fsr-3442	475	3	r	r	NOUN
fsr-3442	475	4	h	h	NOUN
fsr-3442	476	1	ig	ig	INTJ
fsr-3442	477	1	h	h	NOUN
fsr-3442	478	1	er	er	INTJ
fsr-3442	478	2	1	1	NUM
fsr-3442	478	3	if	if	SCONJ
fsr-3442	478	4	h	h	PRON
fsr-3442	478	5	o	o	X
fsr-3442	478	6	u	u	X
fsr-3442	478	7	se	se	PROPN
fsr-3442	478	8	h	h	PROPN
fsr-3442	479	1	o	o	X
fsr-3442	479	2	ld	ld	PROPN
fsr-3442	479	3	h	h	NOUN
fsr-3442	480	1	ig	ig	PROPN
fsr-3442	480	2	h	h	NOUN
fsr-3442	480	3	es	es	X
fsr-3442	480	4	t	t	PROPN
fsr-3442	480	5	le	le	X
fsr-3442	480	6	v	v	PROPN
fsr-3442	480	7	el	el	PROPN
fsr-3442	480	8	o	o	PROPN
fsr-3442	481	1	f	f	PROPN
fsr-3442	481	2	sc	sc	INTJ
fsr-3442	482	1	h	h	NOUN
fsr-3442	483	1	o	o	NOUN
fsr-3442	483	2	o	o	X
fsr-3442	483	3	l	l	X
fsr-3442	483	4	co	co	NOUN
fsr-3442	483	5	m	m	PROPN
fsr-3442	483	6	p	p	X
fsr-3442	483	7	le	le	X
fsr-3442	483	8	te	te	PROPN
fsr-3442	483	9	d	d	X
fsr-3442	483	10	is	be	AUX
fsr-3442	483	11	b	b	PROPN
fsr-3442	483	12	ac	ac	PROPN
fsr-3442	484	1	h	h	PROPN
fsr-3442	484	2	el	el	PROPN
fsr-3442	484	3	o	o	INTJ
fsr-3442	485	1	rs	rs	INTJ
fsr-3442	486	1	o	o	NOUN
fsr-3442	486	2	r	r	NOUN
fsr-3442	486	3	h	h	NOUN
fsr-3442	486	4	ig	ig	INTJ
fsr-3442	487	1	h	h	INTJ
fsr-3442	487	2	er	er	INTJ
fsr-3442	487	3	,	,	PUNCT
fsr-3442	487	4	0	0	NUM
fsr-3442	487	5	o	o	NOUN
fsr-3442	488	1	th	th	X
fsr-3442	488	2	er	er	INTJ
fsr-3442	488	3	w	w	PROPN
fsr-3442	488	4	is	be	AUX
fsr-3442	488	5	e	e	NOUN
fsr-3442	488	6	4	4	NUM
fsr-3442	488	7	2	2	NUM
fsr-3442	488	8	.4	.4	NUM
fsr-3442	488	9	m	m	PROPN
fsr-3442	488	10	ar	ar	PROPN
fsr-3442	488	11	ri	ri	PROPN
fsr-3442	488	12	ed	ed	NOUN
fsr-3442	488	13	1	1	NUM
fsr-3442	488	14	if	if	SCONJ
fsr-3442	488	15	h	h	NOUN
fsr-3442	489	1	ea	ea	NOUN
fsr-3442	490	1	d	d	NOUN
fsr-3442	490	2	o	o	X
fsr-3442	491	1	f	f	NOUN
fsr-3442	491	2	h	h	NOUN
fsr-3442	491	3	o	o	X
fsr-3442	491	4	u	u	INTJ
fsr-3442	492	1	se	se	PROPN
fsr-3442	492	2	h	h	PROPN
fsr-3442	493	1	o	o	PROPN
fsr-3442	493	2	ld	ld	PROPN
fsr-3442	493	3	is	be	AUX
fsr-3442	493	4	cu	cu	PROPN
fsr-3442	493	5	rr	rr	NOUN
fsr-3442	493	6	en	en	X
fsr-3442	493	7	tl	tl	PROPN
fsr-3442	493	8	y	y	PROPN
fsr-3442	493	9	m	m	PROPN
fsr-3442	493	10	ar	ar	PROPN
fsr-3442	493	11	ri	ri	PROPN
fsr-3442	494	1	ed	ed	NOUN
fsr-3442	494	2	o	o	NOUN
fsr-3442	494	3	r	r	NOUN
fsr-3442	494	4	li	li	NOUN
fsr-3442	494	5	v	v	NOUN
fsr-3442	494	6	in	in	ADP
fsr-3442	494	7	g	g	PROPN
fsr-3442	494	8	w	w	ADP
fsr-3442	494	9	it	it	PRON
fsr-3442	495	1	h	h	NOUN
fsr-3442	495	2	a	a	DET
fsr-3442	495	3	p	p	X
fsr-3442	495	4	ar	ar	PROPN
fsr-3442	495	5	tn	tn	PROPN
fsr-3442	496	1	er	er	INTJ
fsr-3442	496	2	,	,	PUNCT
fsr-3442	496	3	0	0	NUM
fsr-3442	496	4	o	o	NOUN
fsr-3442	496	5	th	th	X
fsr-3442	496	6	er	er	INTJ
fsr-3442	496	7	w	w	PROPN
fsr-3442	496	8	is	be	AUX
fsr-3442	496	9	e	e	X
fsr-3442	496	10	5	5	NUM
fsr-3442	496	11	9	9	NUM
fsr-3442	496	12	f	f	NOUN
fsr-3442	496	13	in	in	ADP
fsr-3442	496	14	an	an	DET
fsr-3442	496	15	ci	ci	PROPN
fsr-3442	496	16	al	al	PROPN
fsr-3442	496	17	re	re	PROPN
fsr-3442	496	18	so	so	ADV
fsr-3442	496	19	u	u	X
fsr-3442	496	20	rc	rc	PROPN
fsr-3442	496	21	es	es	X
fsr-3442	496	22	in	in	ADP
fsr-3442	496	23	co	co	NOUN
fsr-3442	496	24	m	m	PROPN
fsr-3442	496	25	e	e	NOUN
fsr-3442	496	26	0	0	PUNCT
fsr-3442	496	27	–	–	PUNCT
fsr-3442	496	28	2	2	NUM
fsr-3442	496	29	0	0	NUM
fsr-3442	496	30	p	p	NOUN
fsr-3442	496	31	er	er	INTJ
fsr-3442	496	32	ce	ce	PROPN
fsr-3442	496	33	n	n	CCONJ
fsr-3442	496	34	ti	ti	X
fsr-3442	496	35	le	le	X
fsr-3442	496	36	1	1	NUM
fsr-3442	496	37	if	if	SCONJ
fsr-3442	496	38	h	h	PRON
fsr-3442	496	39	o	o	X
fsr-3442	496	40	u	u	X
fsr-3442	496	41	se	se	PROPN
fsr-3442	496	42	h	h	PROPN
fsr-3442	496	43	o	o	PROPN
fsr-3442	496	44	ld	ld	PROPN
fsr-3442	496	45	in	in	ADP
fsr-3442	496	46	co	co	NOUN
fsr-3442	496	47	m	m	PROPN
fsr-3442	496	48	e	e	NOUN
fsr-3442	496	49	is	be	AUX
fsr-3442	496	50	b	b	PROPN
fsr-3442	496	51	et	et	PROPN
fsr-3442	496	52	w	w	PROPN
fsr-3442	496	53	ee	ee	PROPN
fsr-3442	496	54	n	n	PROPN
fsr-3442	496	55	$	$	SYM
fsr-3442	496	56	1	1	NUM
fsr-3442	496	57	an	an	DET
fsr-3442	496	58	d	d	NOUN
fsr-3442	496	59	$	$	SYM
fsr-3442	496	60	2	2	NUM
fsr-3442	496	61	5	5	NUM
fsr-3442	496	62	,	,	PUNCT
fsr-3442	496	63	0	0	NUM
fsr-3442	496	64	0	0	NUM
fsr-3442	496	65	0	0	NUM
fsr-3442	496	66	,	,	PUNCT
fsr-3442	496	67	0	0	NUM
fsr-3442	497	1	o	o	NOUN
fsr-3442	497	2	th	th	X
fsr-3442	497	3	er	er	INTJ
fsr-3442	497	4	w	w	NOUN
fsr-3442	497	5	is	be	AUX
fsr-3442	497	6	e	e	NOUN
fsr-3442	497	7	(	(	PUNCT
fsr-3442	497	8	r	r	NOUN
fsr-3442	497	9	ef	ef	PROPN
fsr-3442	497	10	er	er	INTJ
fsr-3442	497	11	en	en	X
fsr-3442	497	12	ce	ce	PROPN
fsr-3442	497	13	)	)	PUNCT
fsr-3442	497	14	2	2	NUM
fsr-3442	497	15	3	3	NUM
fsr-3442	497	16	.9	.9	NUM
fsr-3442	497	17	2	2	NUM
fsr-3442	497	18	1	1	NUM
fsr-3442	497	19	–	–	PUNCT
fsr-3442	497	20	4	4	NUM
fsr-3442	497	21	0	0	NUM
fsr-3442	497	22	p	p	NOUN
fsr-3442	497	23	er	er	INTJ
fsr-3442	497	24	ce	ce	PROPN
fsr-3442	497	25	n	n	CCONJ
fsr-3442	497	26	ti	ti	X
fsr-3442	497	27	le	le	X
fsr-3442	497	28	1	1	NUM
fsr-3442	497	29	if	if	SCONJ
fsr-3442	497	30	h	h	PRON
fsr-3442	497	31	o	o	X
fsr-3442	497	32	u	u	X
fsr-3442	498	1	se	se	PROPN
fsr-3442	498	2	h	h	PROPN
fsr-3442	498	3	o	o	PROPN
fsr-3442	498	4	ld	ld	PROPN
fsr-3442	498	5	in	in	ADP
fsr-3442	498	6	co	co	NOUN
fsr-3442	498	7	m	m	PROPN
fsr-3442	498	8	e	e	NOUN
fsr-3442	498	9	is	be	AUX
fsr-3442	498	10	b	b	PROPN
fsr-3442	498	11	et	et	PROPN
fsr-3442	498	12	w	w	PROPN
fsr-3442	498	13	ee	ee	PROPN
fsr-3442	498	14	n	n	ADV
fsr-3442	498	15	$	$	SYM
fsr-3442	498	16	2	2	NUM
fsr-3442	498	17	5	5	NUM
fsr-3442	498	18	,	,	PUNCT
fsr-3442	498	19	0	0	NUM
fsr-3442	498	20	0	0	NUM
fsr-3442	498	21	1	1	NUM
fsr-3442	498	22	an	an	DET
fsr-3442	498	23	d	d	NOUN
fsr-3442	498	24	$	$	SYM
fsr-3442	498	25	4	4	NUM
fsr-3442	498	26	8	8	NUM
fsr-3442	498	27	,	,	PUNCT
fsr-3442	498	28	0	0	NUM
fsr-3442	498	29	0	0	NUM
fsr-3442	498	30	0	0	NUM
fsr-3442	498	31	,	,	PUNCT
fsr-3442	498	32	0	0	NUM
fsr-3442	499	1	o	o	NOUN
fsr-3442	499	2	th	th	X
fsr-3442	499	3	er	er	INTJ
fsr-3442	499	4	w	w	PROPN
fsr-3442	499	5	is	be	AUX
fsr-3442	499	6	e	e	NOUN
fsr-3442	499	7	2	2	NUM
fsr-3442	499	8	5	5	NUM
fsr-3442	499	9	.5	.5	NUM
fsr-3442	499	10	4	4	NUM
fsr-3442	499	11	1	1	NUM
fsr-3442	499	12	–	–	PUNCT
fsr-3442	499	13	6	6	NUM
fsr-3442	499	14	0	0	NUM
fsr-3442	499	15	p	p	NOUN
fsr-3442	499	16	er	er	INTJ
fsr-3442	499	17	ce	ce	PROPN
fsr-3442	499	18	n	n	CCONJ
fsr-3442	499	19	ti	ti	X
fsr-3442	499	20	le	le	X
fsr-3442	499	21	1	1	NUM
fsr-3442	499	22	if	if	SCONJ
fsr-3442	499	23	h	h	PRON
fsr-3442	499	24	o	o	X
fsr-3442	499	25	u	u	X
fsr-3442	500	1	se	se	PROPN
fsr-3442	500	2	h	h	PROPN
fsr-3442	500	3	o	o	PROPN
fsr-3442	500	4	ld	ld	PROPN
fsr-3442	500	5	in	in	ADP
fsr-3442	500	6	co	co	NOUN
fsr-3442	500	7	m	m	PROPN
fsr-3442	500	8	e	e	NOUN
fsr-3442	500	9	is	be	AUX
fsr-3442	500	10	b	b	PROPN
fsr-3442	500	11	et	et	PROPN
fsr-3442	500	12	w	w	PROPN
fsr-3442	500	13	ee	ee	PROPN
fsr-3442	500	14	n	n	PROPN
fsr-3442	500	15	$	$	SYM
fsr-3442	500	16	4	4	NUM
fsr-3442	500	17	8	8	NUM
fsr-3442	500	18	,	,	PUNCT
fsr-3442	500	19	0	0	NUM
fsr-3442	500	20	0	0	NUM
fsr-3442	500	21	1	1	NUM
fsr-3442	500	22	an	an	DET
fsr-3442	500	23	d	d	NOUN
fsr-3442	500	24	$	$	SYM
fsr-3442	500	25	8	8	NUM
fsr-3442	500	26	5	5	NUM
fsr-3442	500	27	,	,	PUNCT
fsr-3442	500	28	0	0	NUM
fsr-3442	500	29	0	0	NUM
fsr-3442	500	30	0	0	NUM
fsr-3442	500	31	,	,	PUNCT
fsr-3442	500	32	0	0	NUM
fsr-3442	501	1	o	o	NOUN
fsr-3442	501	2	th	th	X
fsr-3442	501	3	er	er	INTJ
fsr-3442	501	4	w	w	PROPN
fsr-3442	501	5	is	be	AUX
fsr-3442	501	6	e	e	X
fsr-3442	501	7	2	2	NUM
fsr-3442	501	8	3	3	NUM
fsr-3442	501	9	.2	.2	NUM
fsr-3442	501	10	6	6	NUM
fsr-3442	501	11	1	1	NUM
fsr-3442	501	12	–	–	PUNCT
fsr-3442	501	13	8	8	NUM
fsr-3442	501	14	0	0	NUM
fsr-3442	501	15	p	p	NOUN
fsr-3442	501	16	er	er	INTJ
fsr-3442	501	17	ce	ce	PROPN
fsr-3442	501	18	n	n	CCONJ
fsr-3442	501	19	ti	ti	X
fsr-3442	501	20	le	le	X
fsr-3442	501	21	1	1	NUM
fsr-3442	501	22	if	if	SCONJ
fsr-3442	501	23	h	h	PRON
fsr-3442	501	24	o	o	X
fsr-3442	501	25	u	u	X
fsr-3442	501	26	se	se	PROPN
fsr-3442	501	27	h	h	PROPN
fsr-3442	501	28	o	o	PROPN
fsr-3442	501	29	ld	ld	PROPN
fsr-3442	501	30	in	in	ADP
fsr-3442	501	31	co	co	NOUN
fsr-3442	501	32	m	m	PROPN
fsr-3442	501	33	e	e	NOUN
fsr-3442	501	34	is	be	AUX
fsr-3442	501	35	b	b	PROPN
fsr-3442	501	36	et	et	PROPN
fsr-3442	501	37	w	w	PROPN
fsr-3442	501	38	ee	ee	PROPN
fsr-3442	501	39	n	n	CCONJ
fsr-3442	501	40	$	$	SYM
fsr-3442	501	41	8	8	NUM
fsr-3442	501	42	5	5	NUM
fsr-3442	501	43	,	,	PUNCT
fsr-3442	501	44	0	0	NUM
fsr-3442	501	45	0	0	NUM
fsr-3442	501	46	1	1	NUM
fsr-3442	501	47	an	an	DET
fsr-3442	501	48	d	d	NOUN
fsr-3442	501	49	$	$	SYM
fsr-3442	501	50	1	1	NUM
fsr-3442	501	51	9	9	NUM
fsr-3442	501	52	2	2	NUM
fsr-3442	501	53	,	,	PUNCT
fsr-3442	501	54	0	0	NUM
fsr-3442	501	55	0	0	NUM
fsr-3442	501	56	0	0	NUM
fsr-3442	501	57	,	,	PUNCT
fsr-3442	502	1	0	0	NUM
fsr-3442	502	2	o	o	NOUN
fsr-3442	502	3	th	th	X
fsr-3442	502	4	er	er	INTJ
fsr-3442	502	5	w	w	PROPN
fsr-3442	502	6	is	be	AUX
fsr-3442	502	7	e	e	X
fsr-3442	502	8	2	2	NUM
fsr-3442	502	9	0	0	NUM
fsr-3442	502	10	.8	.8	NUM
fsr-3442	502	11	8	8	NUM
fsr-3442	502	12	1	1	NUM
fsr-3442	502	13	–	–	SYM
fsr-3442	502	14	1	1	NUM
fsr-3442	502	15	0	0	NUM
fsr-3442	502	16	0	0	NUM
fsr-3442	502	17	p	p	NOUN
fsr-3442	502	18	er	er	INTJ
fsr-3442	502	19	ce	ce	PROPN
fsr-3442	502	20	n	n	CCONJ
fsr-3442	502	21	ti	ti	X
fsr-3442	502	22	le	le	X
fsr-3442	502	23	1	1	NUM
fsr-3442	502	24	if	if	SCONJ
fsr-3442	502	25	h	h	PRON
fsr-3442	502	26	o	o	X
fsr-3442	502	27	u	u	X
fsr-3442	502	28	se	se	PROPN
fsr-3442	502	29	h	h	PROPN
fsr-3442	502	30	o	o	PROPN
fsr-3442	502	31	ld	ld	PROPN
fsr-3442	502	32	in	in	ADP
fsr-3442	502	33	co	co	NOUN
fsr-3442	502	34	m	m	PROPN
fsr-3442	502	35	e	e	NOUN
fsr-3442	502	36	is	be	AUX
fsr-3442	502	37	b	b	PROPN
fsr-3442	502	38	et	et	PROPN
fsr-3442	502	39	w	w	PROPN
fsr-3442	502	40	ee	ee	PROPN
fsr-3442	502	41	n	n	CCONJ
fsr-3442	502	42	$	$	SYM
fsr-3442	502	43	1	1	NUM
fsr-3442	502	44	9	9	NUM
fsr-3442	502	45	2	2	NUM
fsr-3442	502	46	,	,	PUNCT
fsr-3442	502	47	0	0	NUM
fsr-3442	503	1	0	0	NUM
fsr-3442	503	2	1	1	NUM
fsr-3442	503	3	o	o	NOUN
fsr-3442	503	4	r	r	NOUN
fsr-3442	503	5	m	m	VERB
fsr-3442	503	6	o	o	NOUN
fsr-3442	503	7	re	re	ADP
fsr-3442	503	8	,	,	PUNCT
fsr-3442	503	9	0	0	NUM
fsr-3442	503	10	o	o	X
fsr-3442	504	1	th	th	X
fsr-3442	504	2	er	er	INTJ
fsr-3442	504	3	w	w	PROPN
fsr-3442	504	4	is	be	AUX
fsr-3442	504	5	e	e	PROPN
fsr-3442	504	6	6	6	NUM
fsr-3442	504	7	.7	.7	NUM
fsr-3442	504	8	n	n	ADP
fsr-3442	504	9	et	et	NOUN
fsr-3442	504	10	w	w	NOUN
fsr-3442	504	11	o	o	X
fsr-3442	505	1	rt	rt	PROPN
fsr-3442	505	2	h	h	NOUN
fsr-3442	505	3	0	0	PUNCT
fsr-3442	505	4	–	–	PUNCT
fsr-3442	505	5	2	2	NUM
fsr-3442	505	6	0	0	NUM
fsr-3442	505	7	p	p	NOUN
fsr-3442	505	8	er	er	INTJ
fsr-3442	505	9	ce	ce	PROPN
fsr-3442	505	10	n	n	CCONJ
fsr-3442	505	11	ti	ti	X
fsr-3442	505	12	le	le	X
fsr-3442	505	13	1	1	NUM
fsr-3442	505	14	if	if	SCONJ
fsr-3442	505	15	h	h	PRON
fsr-3442	505	16	o	o	X
fsr-3442	505	17	u	u	X
fsr-3442	505	18	se	se	PROPN
fsr-3442	505	19	h	h	PROPN
fsr-3442	505	20	o	o	X
fsr-3442	505	21	ld	ld	PROPN
fsr-3442	505	22	n	n	INTJ
fsr-3442	505	23	et	et	NOUN
fsr-3442	505	24	w	w	NOUN
fsr-3442	505	25	o	o	X
fsr-3442	506	1	rt	rt	PROPN
fsr-3442	506	2	h	h	NOUN
fsr-3442	506	3	is	be	AUX
fsr-3442	506	4	le	le	INTJ
fsr-3442	506	5	ss	ss	NOUN
fsr-3442	506	6	th	th	X
fsr-3442	506	7	an	an	DET
fsr-3442	506	8	$	$	SYM
fsr-3442	506	9	0	0	NUM
fsr-3442	506	10	to	to	PART
fsr-3442	506	11	$	$	SYM
fsr-3442	506	12	1	1	NUM
fsr-3442	506	13	0	0	NUM
fsr-3442	506	14	,	,	PUNCT
fsr-3442	506	15	6	6	NUM
fsr-3442	506	16	8	8	NUM
fsr-3442	506	17	2	2	NUM
fsr-3442	506	18	,	,	PUNCT
fsr-3442	506	19	0	0	NUM
fsr-3442	507	1	o	o	NOUN
fsr-3442	507	2	th	th	X
fsr-3442	507	3	er	er	INTJ
fsr-3442	507	4	w	w	NOUN
fsr-3442	507	5	is	be	AUX
fsr-3442	507	6	e	e	NOUN
fsr-3442	507	7	(	(	PUNCT
fsr-3442	507	8	r	r	NOUN
fsr-3442	507	9	ef	ef	PROPN
fsr-3442	507	10	er	er	INTJ
fsr-3442	507	11	en	en	X
fsr-3442	507	12	ce	ce	PROPN
fsr-3442	507	13	)	)	PUNCT
fsr-3442	507	14	2	2	NUM
fsr-3442	507	15	3	3	NUM
fsr-3442	507	16	2	2	NUM
fsr-3442	507	17	1	1	NUM
fsr-3442	507	18	–	–	PUNCT
fsr-3442	507	19	4	4	NUM
fsr-3442	507	20	0	0	NUM
fsr-3442	507	21	p	p	NOUN
fsr-3442	507	22	er	er	INTJ
fsr-3442	507	23	ce	ce	PROPN
fsr-3442	507	24	n	n	CCONJ
fsr-3442	507	25	ti	ti	X
fsr-3442	507	26	le	le	X
fsr-3442	507	27	1	1	NUM
fsr-3442	507	28	if	if	SCONJ
fsr-3442	507	29	h	h	PRON
fsr-3442	507	30	o	o	X
fsr-3442	507	31	u	u	X
fsr-3442	507	32	se	se	PROPN
fsr-3442	507	33	h	h	PROPN
fsr-3442	507	34	o	o	X
fsr-3442	507	35	ld	ld	PROPN
fsr-3442	507	36	n	n	INTJ
fsr-3442	507	37	et	et	NOUN
fsr-3442	507	38	w	w	NOUN
fsr-3442	507	39	o	o	X
fsr-3442	508	1	rt	rt	PROPN
fsr-3442	508	2	h	h	NOUN
fsr-3442	508	3	is	be	AUX
fsr-3442	508	4	b	b	PROPN
fsr-3442	508	5	et	et	PROPN
fsr-3442	508	6	w	w	PROPN
fsr-3442	508	7	ee	ee	PROPN
fsr-3442	508	8	n	n	ADV
fsr-3442	508	9	$	$	SYM
fsr-3442	508	10	1	1	NUM
fsr-3442	508	11	0	0	NUM
fsr-3442	508	12	,	,	PUNCT
fsr-3442	508	13	6	6	NUM
fsr-3442	508	14	8	8	NUM
fsr-3442	508	15	3	3	NUM
fsr-3442	508	16	to	to	PART
fsr-3442	508	17	$	$	SYM
fsr-3442	508	18	9	9	NUM
fsr-3442	508	19	0	0	NUM
fsr-3442	508	20	,	,	PUNCT
fsr-3442	508	21	1	1	NUM
fsr-3442	508	22	1	1	NUM
fsr-3442	508	23	9	9	NUM
fsr-3442	508	24	,	,	PUNCT
fsr-3442	508	25	0	0	NUM
fsr-3442	509	1	o	o	NOUN
fsr-3442	509	2	th	th	X
fsr-3442	509	3	er	er	INTJ
fsr-3442	509	4	w	w	PROPN
fsr-3442	509	5	is	be	AUX
fsr-3442	509	6	e	e	NOUN
fsr-3442	509	7	2	2	NUM
fsr-3442	509	8	5	5	NUM
fsr-3442	509	9	4	4	NUM
fsr-3442	509	10	1	1	NUM
fsr-3442	509	11	–	–	PUNCT
fsr-3442	509	12	6	6	NUM
fsr-3442	509	13	0	0	NUM
fsr-3442	509	14	p	p	NOUN
fsr-3442	509	15	er	er	INTJ
fsr-3442	509	16	ce	ce	PROPN
fsr-3442	509	17	n	n	CCONJ
fsr-3442	509	18	ti	ti	X
fsr-3442	509	19	le	le	X
fsr-3442	509	20	1	1	NUM
fsr-3442	509	21	if	if	SCONJ
fsr-3442	509	22	h	h	PRON
fsr-3442	509	23	o	o	X
fsr-3442	509	24	u	u	X
fsr-3442	509	25	se	se	PROPN
fsr-3442	509	26	h	h	PROPN
fsr-3442	509	27	o	o	X
fsr-3442	509	28	ld	ld	PROPN
fsr-3442	509	29	n	n	INTJ
fsr-3442	509	30	et	et	NOUN
fsr-3442	509	31	w	w	NOUN
fsr-3442	510	1	o	o	X
fsr-3442	511	1	rt	rt	PROPN
fsr-3442	511	2	h	h	NOUN
fsr-3442	511	3	is	be	AUX
fsr-3442	511	4	b	b	PROPN
fsr-3442	511	5	et	et	PROPN
fsr-3442	511	6	w	w	PROPN
fsr-3442	511	7	ee	ee	PROPN
fsr-3442	511	8	n	n	CCONJ
fsr-3442	511	9	$	$	SYM
fsr-3442	511	10	9	9	NUM
fsr-3442	511	11	0	0	NUM
fsr-3442	511	12	,	,	PUNCT
fsr-3442	511	13	1	1	NUM
fsr-3442	511	14	2	2	NUM
fsr-3442	511	15	0	0	NUM
fsr-3442	511	16	to	to	PART
fsr-3442	511	17	$	$	SYM
fsr-3442	511	18	3	3	NUM
fsr-3442	511	19	5	5	NUM
fsr-3442	511	20	2	2	NUM
fsr-3442	511	21	,	,	PUNCT
fsr-3442	511	22	7	7	NUM
fsr-3442	511	23	4	4	NUM
fsr-3442	511	24	1	1	NUM
fsr-3442	511	25	,	,	PUNCT
fsr-3442	511	26	0	0	NUM
fsr-3442	512	1	o	o	NOUN
fsr-3442	512	2	th	th	X
fsr-3442	512	3	er	er	INTJ
fsr-3442	512	4	w	w	PROPN
fsr-3442	512	5	is	be	AUX
fsr-3442	512	6	e	e	PROPN
fsr-3442	512	7	2	2	NUM
fsr-3442	512	8	6	6	NUM
fsr-3442	512	9	.8	.8	NUM
fsr-3442	512	10	6	6	NUM
fsr-3442	512	11	1	1	NUM
fsr-3442	512	12	–	–	PUNCT
fsr-3442	512	13	8	8	NUM
fsr-3442	512	14	0	0	NUM
fsr-3442	512	15	p	p	NOUN
fsr-3442	512	16	er	er	INTJ
fsr-3442	512	17	ce	ce	PROPN
fsr-3442	512	18	n	n	CCONJ
fsr-3442	512	19	ti	ti	X
fsr-3442	512	20	le	le	X
fsr-3442	512	21	1	1	NUM
fsr-3442	512	22	if	if	SCONJ
fsr-3442	512	23	h	h	PRON
fsr-3442	512	24	o	o	X
fsr-3442	512	25	u	u	X
fsr-3442	512	26	se	se	PROPN
fsr-3442	512	27	h	h	PROPN
fsr-3442	512	28	o	o	X
fsr-3442	512	29	ld	ld	PROPN
fsr-3442	512	30	n	n	INTJ
fsr-3442	512	31	et	et	NOUN
fsr-3442	512	32	w	w	NOUN
fsr-3442	513	1	o	o	X
fsr-3442	514	1	rt	rt	PROPN
fsr-3442	514	2	h	h	NOUN
fsr-3442	514	3	is	be	AUX
fsr-3442	514	4	b	b	PROPN
fsr-3442	514	5	et	et	PROPN
fsr-3442	514	6	w	w	PROPN
fsr-3442	514	7	ee	ee	PROPN
fsr-3442	514	8	n	n	PROPN
fsr-3442	514	9	$	$	SYM
fsr-3442	514	10	3	3	NUM
fsr-3442	514	11	5	5	NUM
fsr-3442	514	12	2	2	NUM
fsr-3442	514	13	,	,	PUNCT
fsr-3442	514	14	7	7	NUM
fsr-3442	514	15	4	4	NUM
fsr-3442	514	16	2	2	NUM
fsr-3442	514	17	to	to	PART
fsr-3442	514	18	$	$	SYM
fsr-3442	514	19	1	1	NUM
fsr-3442	514	20	,	,	PUNCT
fsr-3442	514	21	8	8	NUM
fsr-3442	514	22	2	2	NUM
fsr-3442	514	23	5	5	NUM
fsr-3442	514	24	,	,	PUNCT
fsr-3442	514	25	4	4	NUM
fsr-3442	514	26	6	6	NUM
fsr-3442	514	27	8	8	NUM
fsr-3442	514	28	,	,	PUNCT
fsr-3442	514	29	0	0	NUM
fsr-3442	515	1	o	o	NOUN
fsr-3442	515	2	th	th	X
fsr-3442	515	3	er	er	INTJ
fsr-3442	515	4	w	w	PROPN
fsr-3442	515	5	is	be	AUX
fsr-3442	515	6	e	e	NOUN
fsr-3442	515	7	1	1	NUM
fsr-3442	515	8	9	9	NUM
fsr-3442	515	9	.8	.8	NUM
fsr-3442	515	10	8	8	NUM
fsr-3442	515	11	1	1	NUM
fsr-3442	515	12	–	–	SYM
fsr-3442	515	13	1	1	NUM
fsr-3442	515	14	0	0	NUM
fsr-3442	515	15	0	0	NUM
fsr-3442	516	1	p	p	NOUN
fsr-3442	516	2	er	er	INTJ
fsr-3442	516	3	ce	ce	PROPN
fsr-3442	516	4	n	n	CCONJ
fsr-3442	516	5	ti	ti	X
fsr-3442	516	6	le	le	X
fsr-3442	516	7	1	1	NUM
fsr-3442	516	8	if	if	SCONJ
fsr-3442	516	9	h	h	PRON
fsr-3442	516	10	o	o	X
fsr-3442	516	11	u	u	X
fsr-3442	516	12	se	se	PROPN
fsr-3442	516	13	h	h	PROPN
fsr-3442	516	14	o	o	X
fsr-3442	516	15	ld	ld	PROPN
fsr-3442	516	16	n	n	INTJ
fsr-3442	516	17	et	et	NOUN
fsr-3442	516	18	w	w	NOUN
fsr-3442	516	19	o	o	X
fsr-3442	517	1	rt	rt	PROPN
fsr-3442	517	2	h	h	NOUN
fsr-3442	517	3	is	be	AUX
fsr-3442	517	4	b	b	PROPN
fsr-3442	517	5	et	et	PROPN
fsr-3442	517	6	w	w	PROPN
fsr-3442	517	7	ee	ee	PROPN
fsr-3442	517	8	n	n	CCONJ
fsr-3442	517	9	$	$	SYM
fsr-3442	517	10	1	1	NUM
fsr-3442	517	11	,	,	PUNCT
fsr-3442	517	12	8	8	NUM
fsr-3442	517	13	2	2	NUM
fsr-3442	517	14	5	5	NUM
fsr-3442	517	15	,	,	PUNCT
fsr-3442	517	16	4	4	NUM
fsr-3442	517	17	6	6	NUM
fsr-3442	517	18	9	9	NUM
fsr-3442	517	19	o	o	NOUN
fsr-3442	518	1	r	r	NOUN
fsr-3442	518	2	m	m	VERB
fsr-3442	518	3	o	o	NOUN
fsr-3442	518	4	re	re	ADP
fsr-3442	518	5	,	,	PUNCT
fsr-3442	518	6	0	0	NUM
fsr-3442	518	7	o	o	X
fsr-3442	519	1	th	th	X
fsr-3442	519	2	er	er	INTJ
fsr-3442	519	3	w	w	NOUN
fsr-3442	519	4	is	be	AUX
fsr-3442	519	5	e	e	X
fsr-3442	520	1	5	5	NUM
fsr-3442	520	2	.5	.5	NUM
fsr-3442	520	3	h	h	NOUN
fsr-3442	520	4	o	o	X
fsr-3442	520	5	u	u	INTJ
fsr-3442	521	1	se	se	PROPN
fsr-3442	521	2	h	h	PROPN
fsr-3442	521	3	o	o	INTJ
fsr-3442	521	4	ld	ld	INTJ
fsr-3442	521	5	si	si	PROPN
fsr-3442	521	6	ze	ze	PROPN
fsr-3442	521	7	o	o	PROPN
fsr-3442	522	1	n	n	NOUN
fsr-3442	522	2	e	e	NOUN
fsr-3442	522	3	p	p	NOUN
fsr-3442	523	1	er	er	INTJ
fsr-3442	524	1	so	so	ADV
fsr-3442	524	2	n	n	ADV
fsr-3442	524	3	1	1	NUM
fsr-3442	524	4	if	if	SCONJ
fsr-3442	524	5	n	n	VERB
fsr-3442	524	6	u	u	NOUN
fsr-3442	524	7	m	m	NOUN
fsr-3442	524	8	b	b	NOUN
fsr-3442	524	9	er	er	INTJ
fsr-3442	524	10	o	o	X
fsr-3442	525	1	f	f	X
fsr-3442	525	2	p	p	X
fsr-3442	525	3	eo	eo	PROPN
fsr-3442	525	4	p	p	X
fsr-3442	525	5	le	le	X
fsr-3442	525	6	in	in	ADP
fsr-3442	525	7	h	h	NOUN
fsr-3442	525	8	o	o	X
fsr-3442	525	9	u	u	X
fsr-3442	525	10	se	se	PROPN
fsr-3442	525	11	h	h	PROPN
fsr-3442	526	1	o	o	X
fsr-3442	526	2	ld	ld	PROPN
fsr-3442	526	3	=	=	NOUN
fsr-3442	526	4	1	1	NUM
fsr-3442	526	5	,	,	PUNCT
fsr-3442	526	6	0	0	NUM
fsr-3442	527	1	o	o	NOUN
fsr-3442	527	2	th	th	X
fsr-3442	527	3	er	er	INTJ
fsr-3442	527	4	w	w	PROPN
fsr-3442	527	5	is	be	AUX
fsr-3442	527	6	e	e	NOUN
fsr-3442	527	7	2	2	NUM
fsr-3442	527	8	5	5	NUM
fsr-3442	527	9	.3	.3	NUM
fsr-3442	527	10	t	t	PROPN
fsr-3442	528	1	w	w	NOUN
fsr-3442	528	2	o	o	PROPN
fsr-3442	528	3	p	p	X
fsr-3442	529	1	er	er	INTJ
fsr-3442	530	1	so	so	ADV
fsr-3442	530	2	n	n	ADV
fsr-3442	530	3	1	1	NUM
fsr-3442	530	4	if	if	SCONJ
fsr-3442	530	5	n	n	VERB
fsr-3442	530	6	u	u	NOUN
fsr-3442	530	7	m	m	NOUN
fsr-3442	530	8	b	b	NOUN
fsr-3442	530	9	er	er	INTJ
fsr-3442	530	10	o	o	X
fsr-3442	531	1	f	f	X
fsr-3442	532	1	p	p	X
fsr-3442	532	2	eo	eo	PROPN
fsr-3442	532	3	p	p	X
fsr-3442	532	4	le	le	X
fsr-3442	532	5	in	in	ADP
fsr-3442	532	6	h	h	NOUN
fsr-3442	532	7	o	o	X
fsr-3442	532	8	u	u	X
fsr-3442	532	9	se	se	PROPN
fsr-3442	532	10	h	h	PROPN
fsr-3442	532	11	o	o	X
fsr-3442	532	12	ld	ld	PROPN
fsr-3442	532	13	=	=	SYM
fsr-3442	532	14	2	2	NUM
fsr-3442	532	15	,	,	PUNCT
fsr-3442	532	16	0	0	NUM
fsr-3442	532	17	o	o	NOUN
fsr-3442	533	1	th	th	X
fsr-3442	533	2	er	er	INTJ
fsr-3442	533	3	w	w	PROPN
fsr-3442	533	4	is	be	AUX
fsr-3442	533	5	e	e	NOUN
fsr-3442	533	6	3	3	NUM
fsr-3442	533	7	4	4	NUM
fsr-3442	533	8	.2	.2	NUM
fsr-3442	533	9	t	t	PROPN
fsr-3442	533	10	h	h	NOUN
fsr-3442	533	11	re	re	X
fsr-3442	533	12	e	e	X
fsr-3442	533	13	o	o	NOUN
fsr-3442	534	1	r	r	NOUN
fsr-3442	534	2	m	m	VERB
fsr-3442	534	3	o	o	NOUN
fsr-3442	534	4	re	re	ADJ
fsr-3442	534	5	1	1	NUM
fsr-3442	534	6	if	if	SCONJ
fsr-3442	534	7	n	n	PRON
fsr-3442	534	8	u	u	NOUN
fsr-3442	534	9	m	m	NOUN
fsr-3442	534	10	b	b	NOUN
fsr-3442	534	11	er	er	INTJ
fsr-3442	534	12	o	o	X
fsr-3442	535	1	f	f	X
fsr-3442	535	2	p	p	X
fsr-3442	535	3	eo	eo	PROPN
fsr-3442	535	4	p	p	X
fsr-3442	535	5	le	le	X
fsr-3442	535	6	in	in	ADP
fsr-3442	535	7	h	h	NOUN
fsr-3442	535	8	o	o	X
fsr-3442	535	9	u	u	X
fsr-3442	535	10	se	se	PROPN
fsr-3442	535	11	h	h	PROPN
fsr-3442	536	1	o	o	INTJ
fsr-3442	536	2	ld	ld	X
fsr-3442	536	3	>	>	X
fsr-3442	536	4	=	=	SYM
fsr-3442	536	5	3	3	NUM
fsr-3442	536	6	,	,	PUNCT
fsr-3442	536	7	0	0	NUM
fsr-3442	537	1	o	o	NOUN
fsr-3442	537	2	th	th	X
fsr-3442	537	3	er	er	INTJ
fsr-3442	537	4	w	w	PROPN
fsr-3442	537	5	is	be	AUX
fsr-3442	537	6	e	e	X
fsr-3442	537	7	4	4	NUM
fsr-3442	537	8	0	0	NUM
fsr-3442	537	9	.5	.5	NUM
fsr-3442	538	1	p	p	X
fsr-3442	538	2	re	re	X
fsr-3442	538	3	se	se	X
fsr-3442	538	4	n	n	X
fsr-3442	538	5	ce	ce	PROPN
fsr-3442	538	6	o	o	X
fsr-3442	538	7	f	f	PROPN
fsr-3442	538	8	ch	ch	PROPN
fsr-3442	538	9	il	il	PROPN
fsr-3442	538	10	d	d	PROPN
fsr-3442	538	11	re	re	X
fsr-3442	538	12	n	n	PROPN
fsr-3442	538	13	u	u	NOUN
fsr-3442	538	14	n	n	PROPN
fsr-3442	538	15	d	d	PROPN
fsr-3442	538	16	er	er	INTJ
fsr-3442	538	17	ag	ag	PROPN
fsr-3442	538	18	e	e	PROPN
fsr-3442	538	19	1	1	NUM
fsr-3442	538	20	8	8	NUM
fsr-3442	538	21	1	1	NUM
fsr-3442	538	22	if	if	SCONJ
fsr-3442	538	23	ch	ch	PROPN
fsr-3442	538	24	il	il	PROPN
fsr-3442	538	25	d	d	X
fsr-3442	538	26	re	re	X
fsr-3442	538	27	n	n	PROPN
fsr-3442	538	28	u	u	NOUN
fsr-3442	538	29	n	n	PROPN
fsr-3442	538	30	d	d	PROPN
fsr-3442	538	31	er	er	INTJ
fsr-3442	538	32	ag	ag	PROPN
fsr-3442	538	33	e	e	PROPN
fsr-3442	538	34	1	1	NUM
fsr-3442	538	35	8	8	NUM
fsr-3442	538	36	ar	ar	NOUN
fsr-3442	538	37	e	e	PROPN
fsr-3442	538	38	p	p	X
fsr-3442	538	39	re	re	X
fsr-3442	538	40	se	se	X
fsr-3442	538	41	n	n	PROPN
fsr-3442	538	42	t	t	PROPN
fsr-3442	538	43	in	in	ADP
fsr-3442	538	44	th	th	X
fsr-3442	538	45	e	e	NOUN
fsr-3442	538	46	h	h	NOUN
fsr-3442	538	47	o	o	X
fsr-3442	538	48	u	u	X
fsr-3442	538	49	se	se	PROPN
fsr-3442	538	50	h	h	PROPN
fsr-3442	538	51	o	o	X
fsr-3442	538	52	ld	ld	PROPN
fsr-3442	538	53	,	,	PUNCT
fsr-3442	538	54	0	0	NUM
fsr-3442	538	55	o	o	NOUN
fsr-3442	539	1	th	th	X
fsr-3442	539	2	er	er	INTJ
fsr-3442	539	3	w	w	PROPN
fsr-3442	539	4	is	be	AUX
fsr-3442	539	5	e	e	NOUN
fsr-3442	539	6	3	3	NUM
fsr-3442	539	7	4	4	NUM
fsr-3442	539	8	.4	.4	NUM
fsr-3442	539	9	o	o	NOUN
fsr-3442	540	1	th	th	X
fsr-3442	540	2	er	er	INTJ
fsr-3442	540	3	in	in	ADP
fsr-3442	540	4	fl	fl	NUM
fsr-3442	540	5	u	u	PROPN
fsr-3442	540	6	en	en	PROPN
fsr-3442	540	7	ce	ce	PROPN
fsr-3442	540	8	s	s	PROPN
fsr-3442	540	9	f	f	X
fsr-3442	540	10	em	em	PROPN
fsr-3442	540	11	al	al	PROPN
fsr-3442	540	12	e	e	PROPN
fsr-3442	540	13	1	1	NUM
fsr-3442	540	14	if	if	SCONJ
fsr-3442	540	15	h	h	NOUN
fsr-3442	540	16	ea	ea	NOUN
fsr-3442	541	1	d	d	NOUN
fsr-3442	541	2	o	o	X
fsr-3442	542	1	f	f	NOUN
fsr-3442	542	2	h	h	NOUN
fsr-3442	542	3	o	o	X
fsr-3442	542	4	u	u	INTJ
fsr-3442	543	1	se	se	PROPN
fsr-3442	543	2	h	h	PROPN
fsr-3442	544	1	o	o	INTJ
fsr-3442	544	2	ld	ld	PROPN
fsr-3442	544	3	is	be	AUX
fsr-3442	544	4	fe	fe	X
fsr-3442	544	5	m	m	PROPN
fsr-3442	544	6	al	al	PROPN
fsr-3442	544	7	e	e	PROPN
fsr-3442	544	8	,	,	PUNCT
fsr-3442	544	9	0	0	NUM
fsr-3442	544	10	is	be	AUX
fsr-3442	544	11	m	m	VERB
fsr-3442	544	12	al	al	PROPN
fsr-3442	544	13	e	e	NOUN
fsr-3442	544	14	5	5	NUM
fsr-3442	544	15	1	1	NUM
fsr-3442	544	16	.9	.9	NUM
fsr-3442	544	17	(	(	PUNCT
fsr-3442	544	18	c	c	NOUN
fsr-3442	544	19	o	o	NOUN
fsr-3442	544	20	n	n	CCONJ
fsr-3442	544	21	ti	ti	NOUN
fsr-3442	544	22	n	n	CCONJ
fsr-3442	544	23	u	u	NOUN
fsr-3442	544	24	ed	ed	NOUN
fsr-3442	544	25	o	o	PROPN
fsr-3442	544	26	n	n	CCONJ
fsr-3442	544	27	n	n	NOUN
fsr-3442	544	28	ex	ex	ADJ
fsr-3442	544	29	t	t	NOUN
fsr-3442	544	30	p	p	X
fsr-3442	544	31	a	a	DET
fsr-3442	544	32	g	g	NOUN
fsr-3442	544	33	e	e	NOUN
fsr-3442	544	34	)	)	PUNCT
fsr-3442	545	1	q.	q.	PROPN
fsr-3442	545	2	bi	bi	PROPN
fsr-3442	545	3	et	et	PROPN
fsr-3442	545	4	al	al	PROPN
fsr-3442	545	5	.	.	PUNCT
fsr-3442	545	6	/	/	SYM
fsr-3442	545	7	financial	financial	ADJ
fsr-3442	545	8	services	service	NOUN
fsr-3442	545	9	review	review	VERB
fsr-3442	545	10	29	29	NUM
fsr-3442	545	11	(	(	PUNCT
fsr-3442	545	12	2021	2021	NUM
fsr-3442	545	13	)	)	PUNCT
fsr-3442	545	14	29–54	29–54	NUM
fsr-3442	545	15	43	43	NUM
fsr-3442	545	16	t	t	PROPN
fsr-3442	545	17	ab	ab	PROPN
fsr-3442	545	18	le	le	X
fsr-3442	545	19	3	3	X
fsr-3442	545	20	(	(	PUNCT
fsr-3442	545	21	c	c	NOUN
fsr-3442	545	22	o	o	NOUN
fsr-3442	545	23	n	n	CCONJ
fsr-3442	545	24	ti	ti	NOUN
fsr-3442	545	25	n	n	CCONJ
fsr-3442	545	26	u	u	NOUN
fsr-3442	545	27	ed	ed	NOUN
fsr-3442	545	28	)	)	PUNCT
fsr-3442	546	1	p	p	NOUN
fsr-3442	546	2	an	an	PROPN
fsr-3442	546	3	el	el	PROPN
fsr-3442	546	4	c	c	PROPN
fsr-3442	546	5	:	:	PUNCT
fsr-3442	546	6	o	o	X
fsr-3442	546	7	th	th	X
fsr-3442	546	8	er	er	INTJ
fsr-3442	546	9	co	co	NOUN
fsr-3442	546	10	n	n	PRON
fsr-3442	546	11	tr	tr	NOUN
fsr-3442	546	12	o	o	PROPN
fsr-3442	546	13	l	l	PROPN
fsr-3442	546	14	v	v	PROPN
fsr-3442	546	15	ar	ar	PROPN
fsr-3442	546	16	ia	ia	PROPN
fsr-3442	546	17	b	b	PROPN
fsr-3442	546	18	le	le	PROPN
fsr-3442	546	19	s	s	PROPN
fsr-3442	546	20	o	o	NOUN
fsr-3442	546	21	n	n	CCONJ
fsr-3442	546	22	g	g	PROPN
fsr-3442	546	23	en	en	INTJ
fsr-3442	546	24	er	er	INTJ
fsr-3442	546	25	al	al	PROPN
fsr-3442	546	26	h	h	NOUN
fsr-3442	547	1	o	o	X
fsr-3442	547	2	u	u	X
fsr-3442	547	3	se	se	PROPN
fsr-3442	547	4	h	h	PROPN
fsr-3442	548	1	o	o	INTJ
fsr-3442	548	2	ld	ld	INTJ
fsr-3442	548	3	ca	can	AUX
fsr-3442	548	4	p	p	PROPN
fsr-3442	549	1	it	it	PRON
fsr-3442	549	2	al	al	PROPN
fsr-3442	549	3	v	v	PROPN
fsr-3442	549	4	ar	ar	PROPN
fsr-3442	549	5	ia	ia	PROPN
fsr-3442	549	6	b	b	PROPN
fsr-3442	549	7	le	le	X
fsr-3442	549	8	s	s	PROPN
fsr-3442	549	9	m	m	PROPN
fsr-3442	549	10	ea	ea	X
fsr-3442	549	11	su	su	PROPN
fsr-3442	549	12	re	re	VERB
fsr-3442	549	13	m	m	PROPN
fsr-3442	549	14	en	en	ADP
fsr-3442	549	15	t	t	PROPN
fsr-3442	549	16	b	b	PROPN
fsr-3442	549	17	an	an	DET
fsr-3442	549	18	k	k	NOUN
fsr-3442	549	19	ed	ed	NOUN
fsr-3442	549	20	h	h	NOUN
fsr-3442	549	21	o	o	X
fsr-3442	549	22	u	u	X
fsr-3442	550	1	se	se	PROPN
fsr-3442	550	2	h	h	PROPN
fsr-3442	550	3	o	o	X
fsr-3442	550	4	ld	ld	PROPN
fsr-3442	550	5	s	s	X
fsr-3442	550	6	(	(	PUNCT
fsr-3442	550	7	%	%	NOUN
fsr-3442	550	8	)	)	PUNCT
fsr-3442	550	9	r	r	NOUN
fsr-3442	550	10	ac	ac	NOUN
fsr-3442	550	11	e	e	PROPN
fsr-3442	550	12	an	an	PROPN
fsr-3442	550	13	d	d	X
fsr-3442	550	14	et	et	NOUN
fsr-3442	550	15	h	h	NOUN
fsr-3442	550	16	n	n	ADV
fsr-3442	550	17	ic	ic	INTJ
fsr-3442	550	18	it	it	PRON
fsr-3442	550	19	y	y	INTJ
fsr-3442	550	20	w	w	NOUN
fsr-3442	550	21	h	h	NOUN
fsr-3442	551	1	it	it	PRON
fsr-3442	551	2	e	e	NOUN
fsr-3442	551	3	an	an	DET
fsr-3442	551	4	d	d	X
fsr-3442	551	5	“	"	PUNCT
fsr-3442	551	6	o	o	X
fsr-3442	551	7	th	th	X
fsr-3442	551	8	er	er	INTJ
fsr-3442	551	9	”	"	PUNCT
fsr-3442	551	10	1	1	NUM
fsr-3442	551	11	if	if	SCONJ
fsr-3442	551	12	h	h	NOUN
fsr-3442	551	13	o	o	X
fsr-3442	551	14	u	u	X
fsr-3442	552	1	se	se	PROPN
fsr-3442	552	2	h	h	PROPN
fsr-3442	553	1	o	o	X
fsr-3442	553	2	ld	ld	PROPN
fsr-3442	553	3	d	d	X
fsr-3442	553	4	es	es	PROPN
fsr-3442	553	5	cr	cr	X
fsr-3442	553	6	ib	ib	PROPN
fsr-3442	553	7	es	es	VERB
fsr-3442	553	8	it	it	PRON
fsr-3442	553	9	se	se	ADV
fsr-3442	553	10	lf	lf	PROPN
fsr-3442	553	11	as	as	ADP
fsr-3442	553	12	w	w	PROPN
fsr-3442	553	13	h	h	NOUN
fsr-3442	554	1	it	it	PRON
fsr-3442	554	2	e	e	NOUN
fsr-3442	554	3	,	,	PUNCT
fsr-3442	554	4	a	a	DET
fsr-3442	554	5	si	si	NOUN
fsr-3442	554	6	an	an	PRON
fsr-3442	554	7	,	,	PUNCT
fsr-3442	554	8	p	p	PROPN
fsr-3442	554	9	ac	ac	PROPN
fsr-3442	554	10	ifi	ifi	PROPN
fsr-3442	554	11	c	c	PROPN
fsr-3442	554	12	is	be	AUX
fsr-3442	554	13	la	la	PRON
fsr-3442	554	14	n	n	ADV
fsr-3442	555	1	d	d	NOUN
fsr-3442	555	2	er	er	INTJ
fsr-3442	555	3	,	,	PUNCT
fsr-3442	555	4	o	o	NOUN
fsr-3442	555	5	r	r	NOUN
fsr-3442	555	6	n	n	NOUN
fsr-3442	555	7	at	at	ADP
fsr-3442	555	8	iv	iv	NUM
fsr-3442	555	9	e	e	PROPN
fsr-3442	555	10	a	a	PROPN
fsr-3442	555	11	m	m	VERB
fsr-3442	555	12	er	er	INTJ
fsr-3442	555	13	ic	ic	X
fsr-3442	555	14	an	an	PRON
fsr-3442	555	15	,	,	PUNCT
fsr-3442	555	16	0	0	NUM
fsr-3442	555	17	o	o	NOUN
fsr-3442	556	1	th	th	X
fsr-3442	556	2	er	er	INTJ
fsr-3442	556	3	w	w	PROPN
fsr-3442	556	4	is	be	AUX
fsr-3442	556	5	e	e	PROPN
fsr-3442	556	6	7	7	NUM
fsr-3442	556	7	7	7	NUM
fsr-3442	556	8	.7	.7	PROPN
fsr-3442	556	9	b	b	PROPN
fsr-3442	556	10	la	la	NOUN
fsr-3442	556	11	ck	ck	PROPN
fsr-3442	556	12	1	1	NUM
fsr-3442	557	1	if	if	SCONJ
fsr-3442	557	2	h	h	PRON
fsr-3442	557	3	o	o	X
fsr-3442	557	4	u	u	X
fsr-3442	557	5	se	se	PROPN
fsr-3442	557	6	h	h	PROPN
fsr-3442	557	7	o	o	X
fsr-3442	557	8	ld	ld	PROPN
fsr-3442	557	9	d	d	X
fsr-3442	557	10	es	es	PROPN
fsr-3442	557	11	cr	cr	X
fsr-3442	557	12	ib	ib	PROPN
fsr-3442	557	13	es	es	VERB
fsr-3442	557	14	it	it	PRON
fsr-3442	557	15	se	se	ADV
fsr-3442	557	16	lf	lf	PROPN
fsr-3442	557	17	as	as	ADP
fsr-3442	557	18	b	b	PROPN
fsr-3442	557	19	la	la	ADV
fsr-3442	557	20	ck	ck	INTJ
fsr-3442	557	21	,	,	PUNCT
fsr-3442	557	22	0	0	NUM
fsr-3442	557	23	o	o	NOUN
fsr-3442	557	24	th	th	X
fsr-3442	557	25	er	er	INTJ
fsr-3442	557	26	w	w	PROPN
fsr-3442	557	27	is	be	AUX
fsr-3442	557	28	e	e	NOUN
fsr-3442	557	29	1	1	NUM
fsr-3442	557	30	2	2	NUM
fsr-3442	557	31	.7	.7	NUM
fsr-3442	557	32	h	h	NOUN
fsr-3442	557	33	is	be	AUX
fsr-3442	557	34	p	p	PROPN
fsr-3442	557	35	an	an	DET
fsr-3442	557	36	ic	ic	INTJ
fsr-3442	557	37	1	1	NUM
fsr-3442	558	1	if	if	SCONJ
fsr-3442	558	2	h	h	PRON
fsr-3442	558	3	o	o	X
fsr-3442	558	4	u	u	X
fsr-3442	558	5	se	se	PROPN
fsr-3442	558	6	h	h	PROPN
fsr-3442	558	7	o	o	X
fsr-3442	558	8	ld	ld	PROPN
fsr-3442	558	9	d	d	X
fsr-3442	558	10	es	es	PROPN
fsr-3442	558	11	cr	cr	X
fsr-3442	558	12	ib	ib	PROPN
fsr-3442	558	13	es	es	VERB
fsr-3442	558	14	it	it	PRON
fsr-3442	558	15	se	se	ADV
fsr-3442	558	16	lf	lf	PROPN
fsr-3442	558	17	as	as	SCONJ
fsr-3442	558	18	h	h	PROPN
fsr-3442	558	19	is	be	AUX
fsr-3442	558	20	p	p	PROPN
fsr-3442	558	21	an	an	DET
fsr-3442	558	22	ic	ic	PROPN
fsr-3442	558	23	,	,	PUNCT
fsr-3442	558	24	0	0	NUM
fsr-3442	559	1	o	o	NOUN
fsr-3442	559	2	th	th	X
fsr-3442	559	3	er	er	INTJ
fsr-3442	559	4	w	w	PROPN
fsr-3442	559	5	is	be	AUX
fsr-3442	559	6	e	e	X
fsr-3442	559	7	9	9	NUM
fsr-3442	559	8	.6	.6	NUM
fsr-3442	559	9	e	e	X
fsr-3442	559	10	co	co	NOUN
fsr-3442	559	11	n	n	ADV
fsr-3442	559	12	o	o	NOUN
fsr-3442	559	13	m	m	VERB
fsr-3442	559	14	ic	ic	PROPN
fsr-3442	560	1	ex	ex	PRON
fsr-3442	560	2	p	p	NOUN
fsr-3442	560	3	ec	ec	X
fsr-3442	561	1	ta	ta	X
fsr-3442	561	2	ti	ti	X
fsr-3442	561	3	o	o	PROPN
fsr-3442	561	4	n	n	PROPN
fsr-3442	561	5	s	s	NOUN
fsr-3442	561	6	1	1	NUM
fsr-3442	561	7	if	if	SCONJ
fsr-3442	561	8	ex	ex	PRON
fsr-3442	561	9	p	p	NOUN
fsr-3442	561	10	ec	ec	PROPN
fsr-3442	561	11	t	t	X
fsr-3442	561	12	th	th	X
fsr-3442	561	13	e	e	X
fsr-3442	561	14	u	u	NOUN
fsr-3442	561	15	.s	.s	NOUN
fsr-3442	561	16	.	.	PUNCT
fsr-3442	562	1	ec	ec	PROPN
fsr-3442	563	1	o	o	NOUN
fsr-3442	563	2	n	n	CCONJ
fsr-3442	563	3	o	o	NOUN
fsr-3442	563	4	m	m	VERB
fsr-3442	563	5	y	y	NOUN
fsr-3442	563	6	to	to	ADP
fsr-3442	563	7	p	p	PROPN
fsr-3442	563	8	er	er	INTJ
fsr-3442	563	9	fo	fo	INTJ
fsr-3442	563	10	rm	rm	PROPN
fsr-3442	563	11	b	b	PROPN
fsr-3442	563	12	et	et	NOUN
fsr-3442	563	13	te	te	ADP
fsr-3442	563	14	r	r	NOUN
fsr-3442	563	15	o	o	NOUN
fsr-3442	563	16	v	v	ADP
fsr-3442	563	17	er	er	INTJ
fsr-3442	563	18	th	th	X
fsr-3442	563	19	e	e	NOUN
fsr-3442	563	20	n	n	CCONJ
fsr-3442	563	21	ex	ex	ADJ
fsr-3442	563	22	t	t	PROPN
fsr-3442	563	23	5	5	NUM
fsr-3442	563	24	y	y	PROPN
fsr-3442	563	25	ea	ea	NOUN
fsr-3442	563	26	rs	rs	INTJ
fsr-3442	563	27	,	,	PUNCT
fsr-3442	563	28	0	0	NUM
fsr-3442	563	29	o	o	NOUN
fsr-3442	564	1	th	th	X
fsr-3442	564	2	er	er	INTJ
fsr-3442	564	3	w	w	PROPN
fsr-3442	564	4	is	be	AUX
fsr-3442	564	5	e	e	NOUN
fsr-3442	564	6	4	4	NUM
fsr-3442	564	7	5	5	NUM
fsr-3442	564	8	.4	.4	NUM
fsr-3442	564	9	in	in	ADP
fsr-3442	564	10	te	te	PROPN
fsr-3442	564	11	re	re	PROPN
fsr-3442	564	12	st	st	PROPN
fsr-3442	564	13	ra	ra	PROPN
fsr-3442	565	1	te	te	ADP
fsr-3442	565	2	ex	ex	PRON
fsr-3442	565	3	p	p	PROPN
fsr-3442	565	4	ec	ec	X
fsr-3442	566	1	ta	ta	X
fsr-3442	566	2	ti	ti	X
fsr-3442	566	3	o	o	PROPN
fsr-3442	567	1	n	n	PROPN
fsr-3442	567	2	s	s	NOUN
fsr-3442	567	3	1	1	NUM
fsr-3442	567	4	if	if	SCONJ
fsr-3442	567	5	ex	ex	PRON
fsr-3442	567	6	p	p	NOUN
fsr-3442	567	7	ec	ec	PROPN
fsr-3442	567	8	t	t	PROPN
fsr-3442	567	9	in	in	ADP
fsr-3442	567	10	te	te	PROPN
fsr-3442	567	11	re	re	PROPN
fsr-3442	567	12	st	st	PROPN
fsr-3442	567	13	ra	ra	PROPN
fsr-3442	567	14	te	te	PROPN
fsr-3442	567	15	s	s	PROPN
fsr-3442	567	16	w	w	PROPN
fsr-3442	567	17	il	il	PROPN
fsr-3442	567	18	l	l	PROPN
fsr-3442	567	19	b	b	PROPN
fsr-3442	568	1	e	e	ADP
fsr-3442	568	2	h	h	NOUN
fsr-3442	568	3	ig	ig	INTJ
fsr-3442	568	4	h	h	NOUN
fsr-3442	568	5	er	er	INTJ
fsr-3442	568	6	5	5	NUM
fsr-3442	568	7	y	y	NOUN
fsr-3442	568	8	ea	ea	NOUN
fsr-3442	569	1	rs	rs	INTJ
fsr-3442	570	1	fr	fr	INTJ
fsr-3442	570	2	o	o	INTJ
fsr-3442	570	3	m	m	VERB
fsr-3442	570	4	n	n	ADV
fsr-3442	570	5	o	o	X
fsr-3442	570	6	w	w	NOUN
fsr-3442	570	7	,	,	PUNCT
fsr-3442	570	8	0	0	NUM
fsr-3442	571	1	o	o	NOUN
fsr-3442	571	2	th	th	X
fsr-3442	571	3	er	er	INTJ
fsr-3442	571	4	w	w	PROPN
fsr-3442	571	5	is	be	AUX
fsr-3442	571	6	e	e	NOUN
fsr-3442	571	7	7	7	NUM
fsr-3442	571	8	7	7	NUM
fsr-3442	571	9	r	r	NOUN
fsr-3442	571	10	is	be	AUX
fsr-3442	571	11	k	k	PROPN
fsr-3442	571	12	to	to	PART
fsr-3442	571	13	le	le	PROPN
fsr-3442	571	14	ra	ra	PROPN
fsr-3442	571	15	n	n	PROPN
fsr-3442	571	16	ce	ce	PROPN
fsr-3442	571	17	n	n	CCONJ
fsr-3442	571	18	o	o	PROPN
fsr-3442	571	19	ri	ri	NOUN
fsr-3442	571	20	sk	sk	VERB
fsr-3442	571	21	1	1	NUM
fsr-3442	571	22	if	if	SCONJ
fsr-3442	571	23	n	n	ADV
fsr-3442	571	24	o	o	NOUN
fsr-3442	571	25	t	t	PROPN
fsr-3442	571	26	w	w	PROPN
fsr-3442	571	27	il	il	PROPN
fsr-3442	571	28	li	li	PROPN
fsr-3442	571	29	n	n	ADP
fsr-3442	571	30	g	g	NOUN
fsr-3442	571	31	to	to	ADP
fsr-3442	571	32	ta	ta	PROPN
fsr-3442	571	33	k	k	PROPN
fsr-3442	571	34	e	e	PROPN
fsr-3442	571	35	an	an	DET
fsr-3442	571	36	y	y	PROPN
fsr-3442	571	37	fi	fi	NOUN
fsr-3442	571	38	n	n	CCONJ
fsr-3442	571	39	an	an	DET
fsr-3442	571	40	ci	ci	PROPN
fsr-3442	571	41	al	al	PROPN
fsr-3442	571	42	ri	ri	PROPN
fsr-3442	571	43	sk	sk	PROPN
fsr-3442	571	44	s	s	PROPN
fsr-3442	571	45	,	,	PUNCT
fsr-3442	571	46	0	0	NUM
fsr-3442	571	47	o	o	NOUN
fsr-3442	572	1	th	th	X
fsr-3442	572	2	er	er	INTJ
fsr-3442	572	3	w	w	PROPN
fsr-3442	572	4	is	be	AUX
fsr-3442	572	5	e	e	NOUN
fsr-3442	572	6	4	4	NUM
fsr-3442	572	7	4	4	NUM
fsr-3442	572	8	.4	.4	NUM
fsr-3442	572	9	m	m	VERB
fsr-3442	573	1	o	o	NOUN
fsr-3442	574	1	d	d	X
fsr-3442	574	2	er	er	INTJ
fsr-3442	574	3	at	at	ADP
fsr-3442	574	4	e	e	PROPN
fsr-3442	574	5	ri	ri	NOUN
fsr-3442	574	6	sk	sk	INTJ
fsr-3442	574	7	1	1	NUM
fsr-3442	574	8	if	if	SCONJ
fsr-3442	574	9	w	w	PROPN
fsr-3442	574	10	il	il	PROPN
fsr-3442	574	11	li	li	PROPN
fsr-3442	574	12	n	n	PROPN
fsr-3442	574	13	g	g	NOUN
fsr-3442	574	14	to	to	ADP
fsr-3442	574	15	ta	ta	PROPN
fsr-3442	574	16	k	k	PROPN
fsr-3442	574	17	e	e	PROPN
fsr-3442	574	18	av	av	PROPN
fsr-3442	574	19	er	er	INTJ
fsr-3442	574	20	ag	ag	PROPN
fsr-3442	574	21	e	e	NOUN
fsr-3442	574	22	o	o	PROPN
fsr-3442	574	23	r	r	NOUN
fsr-3442	574	24	ab	ab	X
fsr-3442	574	25	o	o	X
fsr-3442	574	26	v	v	X
fsr-3442	574	27	e	e	X
fsr-3442	574	28	av	av	PROPN
fsr-3442	574	29	er	er	INTJ
fsr-3442	574	30	ag	ag	PROPN
fsr-3442	574	31	e	e	PROPN
fsr-3442	574	32	fi	fi	NOUN
fsr-3442	574	33	n	n	CCONJ
fsr-3442	574	34	an	an	DET
fsr-3442	574	35	ci	ci	NOUN
fsr-3442	574	36	al	al	PROPN
fsr-3442	574	37	ri	ri	PROPN
fsr-3442	574	38	sk	sk	INTJ
fsr-3442	574	39	s	s	PROPN
fsr-3442	574	40	ex	ex	PRON
fsr-3442	574	41	p	p	NOUN
fsr-3442	574	42	ec	ec	PROPN
fsr-3442	574	43	ti	ti	PROPN
fsr-3442	574	44	n	n	PRON
fsr-3442	574	45	g	g	NOUN
fsr-3442	574	46	to	to	ADP
fsr-3442	574	47	ea	ea	PROPN
fsr-3442	574	48	rn	rn	PROPN
fsr-3442	574	49	av	av	PROPN
fsr-3442	574	50	er	er	INTJ
fsr-3442	574	51	ag	ag	PROPN
fsr-3442	574	52	e	e	NOUN
fsr-3442	574	53	o	o	PROPN
fsr-3442	574	54	r	r	NOUN
fsr-3442	574	55	ab	ab	X
fsr-3442	574	56	o	o	X
fsr-3442	574	57	v	v	X
fsr-3442	575	1	e	e	X
fsr-3442	575	2	av	av	PROPN
fsr-3442	575	3	er	er	INTJ
fsr-3442	575	4	ag	ag	PROPN
fsr-3442	575	5	e	e	PROPN
fsr-3442	575	6	re	re	ADP
fsr-3442	575	7	tu	tu	PROPN
fsr-3442	575	8	rn	rn	PROPN
fsr-3442	575	9	,	,	PUNCT
fsr-3442	575	10	0	0	NUM
fsr-3442	575	11	o	o	NOUN
fsr-3442	575	12	th	th	X
fsr-3442	575	13	er	er	INTJ
fsr-3442	575	14	w	w	PROPN
fsr-3442	575	15	is	be	AUX
fsr-3442	575	16	e	e	NOUN
fsr-3442	575	17	5	5	NUM
fsr-3442	575	18	2	2	NUM
fsr-3442	575	19	.7	.7	PROPN
fsr-3442	575	20	s	s	PART
fsr-3442	575	21	u	u	PROPN
fsr-3442	575	22	b	b	PROPN
fsr-3442	575	23	st	st	PROPN
fsr-3442	575	24	an	an	DET
fsr-3442	575	25	ti	ti	PROPN
fsr-3442	575	26	al	al	PROPN
fsr-3442	575	27	ri	ri	PROPN
fsr-3442	575	28	sk	sk	VERB
fsr-3442	575	29	1	1	NUM
fsr-3442	575	30	if	if	SCONJ
fsr-3442	575	31	w	w	PROPN
fsr-3442	575	32	il	il	PROPN
fsr-3442	575	33	li	li	PROPN
fsr-3442	576	1	n	n	PROPN
fsr-3442	576	2	g	g	NOUN
fsr-3442	576	3	to	to	ADP
fsr-3442	576	4	ta	ta	PROPN
fsr-3442	576	5	k	k	PROPN
fsr-3442	576	6	e	e	PROPN
fsr-3442	576	7	su	su	PROPN
fsr-3442	576	8	b	b	PROPN
fsr-3442	576	9	st	st	PROPN
fsr-3442	576	10	an	an	DET
fsr-3442	576	11	ti	ti	X
fsr-3442	576	12	al	al	PROPN
fsr-3442	576	13	fi	fi	PROPN
fsr-3442	576	14	n	n	CCONJ
fsr-3442	576	15	an	an	DET
fsr-3442	576	16	ci	ci	PROPN
fsr-3442	576	17	al	al	PROPN
fsr-3442	576	18	ri	ri	PROPN
fsr-3442	576	19	sk	sk	INTJ
fsr-3442	576	20	s	s	PROPN
fsr-3442	576	21	ex	ex	PRON
fsr-3442	576	22	p	p	NOUN
fsr-3442	576	23	ec	ec	PROPN
fsr-3442	576	24	ti	ti	PROPN
fsr-3442	576	25	n	n	PRON
fsr-3442	576	26	g	g	NOUN
fsr-3442	576	27	to	to	ADP
fsr-3442	576	28	ea	ea	PROPN
fsr-3442	576	29	rn	rn	PROPN
fsr-3442	576	30	av	av	PROPN
fsr-3442	576	31	er	er	INTJ
fsr-3442	576	32	ag	ag	PROPN
fsr-3442	576	33	e	e	NOUN
fsr-3442	576	34	o	o	PROPN
fsr-3442	576	35	r	r	NOUN
fsr-3442	576	36	ab	ab	X
fsr-3442	576	37	o	o	X
fsr-3442	576	38	v	v	X
fsr-3442	576	39	e	e	X
fsr-3442	576	40	av	av	PROPN
fsr-3442	576	41	er	er	INTJ
fsr-3442	576	42	ag	ag	PROPN
fsr-3442	576	43	e	e	PROPN
fsr-3442	576	44	re	re	ADP
fsr-3442	576	45	tu	tu	PROPN
fsr-3442	576	46	rn	rn	PROPN
fsr-3442	576	47	,	,	PUNCT
fsr-3442	576	48	0	0	NUM
fsr-3442	577	1	o	o	NOUN
fsr-3442	578	1	th	th	X
fsr-3442	578	2	er	er	INTJ
fsr-3442	578	3	w	w	PROPN
fsr-3442	578	4	is	be	AUX
fsr-3442	578	5	e	e	X
fsr-3442	578	6	2	2	NUM
fsr-3442	578	7	.9	.9	NUM
fsr-3442	578	8	44	44	NUM
fsr-3442	578	9	q.	q.	NOUN
fsr-3442	578	10	bi	bi	NOUN
fsr-3442	578	11	et	et	PROPN
fsr-3442	578	12	al	al	PROPN
fsr-3442	578	13	.	.	PUNCT
fsr-3442	578	14	/	/	SYM
fsr-3442	578	15	financial	financial	ADJ
fsr-3442	578	16	services	service	NOUN
fsr-3442	578	17	review	review	VERB
fsr-3442	578	18	29	29	NUM
fsr-3442	578	19	(	(	PUNCT
fsr-3442	578	20	2021	2021	NUM
fsr-3442	578	21	)	)	PUNCT
fsr-3442	578	22	29–54	29–54	NUM
fsr-3442	578	23	based	base	VERB
fsr-3442	578	24	on	on	ADP
fsr-3442	578	25	shefrin	shefrin	NOUN
fsr-3442	578	26	and	and	CCONJ
fsr-3442	578	27	thaler	thaler	NOUN
fsr-3442	578	28	’s	’s	PART
fsr-3442	578	29	(	(	PUNCT
fsr-3442	578	30	1981	1981	NUM
fsr-3442	578	31	)	)	PUNCT
fsr-3442	578	32	“	"	PUNCT
fsr-3442	578	33	doer	doer	NOUN
fsr-3442	578	34	versus	versus	ADP
fsr-3442	578	35	planner	planner	NOUN
fsr-3442	578	36	”	"	PUNCT
fsr-3442	578	37	model	model	NOUN
fsr-3442	578	38	,	,	PUNCT
fsr-3442	578	39	consumers	consumer	NOUN
fsr-3442	578	40	experience	experience	VERB
fsr-3442	578	41	a	a	DET
fsr-3442	578	42	costly	costly	ADJ
fsr-3442	578	43	intrapersonal	intrapersonal	ADJ
fsr-3442	578	44	conflict	conflict	NOUN
fsr-3442	578	45	between	between	ADP
fsr-3442	578	46	a	a	DET
fsr-3442	578	47	“	"	PUNCT
fsr-3442	578	48	planner	planner	NOUN
fsr-3442	578	49	”	"	PUNCT
fsr-3442	578	50	and	and	CCONJ
fsr-3442	578	51	a	a	DET
fsr-3442	578	52	“	"	PUNCT
fsr-3442	578	53	doer	doer	NOUN
fsr-3442	578	54	”	"	PUNCT
fsr-3442	578	55	(	(	PUNCT
fsr-3442	578	56	gul	gul	PROPN
fsr-3442	578	57	&	&	CCONJ
fsr-3442	578	58	pesendorfer	pesendorfer	NOUN
fsr-3442	578	59	,	,	PUNCT
fsr-3442	578	60	2001	2001	NUM
fsr-3442	578	61	)	)	PUNCT
fsr-3442	578	62	where	where	SCONJ
fsr-3442	578	63	the	the	DET
fsr-3442	578	64	planner	planner	NOUN
fsr-3442	578	65	is	be	AUX
fsr-3442	578	66	concerned	concern	VERB
fsr-3442	578	67	with	with	ADP
fsr-3442	578	68	lifetime	lifetime	NOUN
fsr-3442	578	69	utility	utility	NOUN
fsr-3442	578	70	but	but	CCONJ
fsr-3442	578	71	the	the	DET
fsr-3442	578	72	doer	doer	NOUN
fsr-3442	578	73	exists	exist	VERB
fsr-3442	578	74	for	for	ADP
fsr-3442	578	75	only	only	ADV
fsr-3442	578	76	one	one	NUM
fsr-3442	578	77	time	time	NOUN
fsr-3442	578	78	period	period	NOUN
fsr-3442	578	79	and	and	CCONJ
fsr-3442	578	80	would	would	AUX
fsr-3442	578	81	consume	consume	VERB
fsr-3442	578	82	most	most	ADJ
fsr-3442	578	83	of	of	ADP
fsr-3442	578	84	their	their	PRON
fsr-3442	578	85	resources	resource	NOUN
fsr-3442	578	86	today	today	NOUN
fsr-3442	578	87	.	.	PUNCT
fsr-3442	579	1	the	the	DET
fsr-3442	579	2	authors	author	NOUN
fsr-3442	579	3	suggest	suggest	VERB
fsr-3442	579	4	that	that	SCONJ
fsr-3442	579	5	to	to	PART
fsr-3442	579	6	shift	shift	VERB
fsr-3442	579	7	intertemporal	intertemporal	ADJ
fsr-3442	579	8	choice	choice	NOUN
fsr-3442	579	9	(	(	PUNCT
fsr-3442	579	10	benabou	benabou	NOUN
fsr-3442	579	11	&	&	CCONJ
fsr-3442	579	12	pycia	pycia	PROPN
fsr-3442	579	13	,	,	PUNCT
fsr-3442	579	14	2002	2002	NUM
fsr-3442	579	15	)	)	PUNCT
fsr-3442	579	16	and	and	CCONJ
fsr-3442	579	17	prevent	prevent	VERB
fsr-3442	579	18	the	the	DET
fsr-3442	579	19	doer	doer	NOUN
fsr-3442	579	20	from	from	ADP
fsr-3442	579	21	consuming	consume	VERB
fsr-3442	579	22	total	total	ADJ
fsr-3442	579	23	lifetime	lifetime	NOUN
fsr-3442	579	24	income	income	NOUN
fsr-3442	579	25	in	in	ADP
fsr-3442	579	26	the	the	DET
fsr-3442	579	27	first	first	ADJ
fsr-3442	579	28	period	period	NOUN
fsr-3442	579	29	,	,	PUNCT
fsr-3442	579	30	some	some	DET
fsr-3442	579	31	psychic	psychic	ADJ
fsr-3442	579	32	technology	technology	NOUN
fsr-3442	579	33	capable	capable	ADJ
fsr-3442	579	34	of	of	ADP
fsr-3442	579	35	affecting	affect	VERB
fsr-3442	579	36	the	the	DET
fsr-3442	579	37	doer	doer	NOUN
fsr-3442	579	38	’s	’s	PART
fsr-3442	579	39	behavior	behavior	NOUN
fsr-3442	579	40	is	be	AUX
fsr-3442	579	41	required.4	required.4	NOUN
fsr-3442	579	42	based	base	VERB
fsr-3442	579	43	on	on	ADP
fsr-3442	579	44	the	the	DET
fsr-3442	579	45	theoretical	theoretical	ADJ
fsr-3442	579	46	model	model	NOUN
fsr-3442	579	47	of	of	ADP
fsr-3442	579	48	shefrin	shefrin	NOUN
fsr-3442	579	49	and	and	CCONJ
fsr-3442	579	50	thaler	thaler	NOUN
fsr-3442	579	51	(	(	PUNCT
fsr-3442	579	52	1981	1981	NUM
fsr-3442	579	53	)	)	PUNCT
fsr-3442	579	54	,	,	PUNCT
fsr-3442	579	55	planning	plan	VERB
fsr-3442	579	56	purposed	purpose	VERB
fsr-3442	579	57	financial	financial	ADJ
fsr-3442	579	58	technologies	technology	NOUN
fsr-3442	579	59	have	have	VERB
fsr-3442	579	60	the	the	DET
fsr-3442	579	61	potential	potential	NOUN
fsr-3442	579	62	to	to	PART
fsr-3442	579	63	fulfill	fulfill	VERB
fsr-3442	579	64	all	all	DET
fsr-3442	579	65	three	three	NUM
fsr-3442	579	66	ways	way	NOUN
fsr-3442	579	67	the	the	DET
fsr-3442	579	68	authors	author	NOUN
fsr-3442	579	69	identify	identify	VERB
fsr-3442	579	70	for	for	ADP
fsr-3442	579	71	shifting	shift	VERB
fsr-3442	579	72	the	the	DET
fsr-3442	579	73	myopic	myopic	ADJ
fsr-3442	579	74	doer	doer	NOUN
fsr-3442	579	75	to	to	ADP
fsr-3442	579	76	more	more	ADJ
fsr-3442	579	77	of	of	ADP
fsr-3442	579	78	a	a	DET
fsr-3442	579	79	“	"	PUNCT
fsr-3442	579	80	planner	planner	NOUN
fsr-3442	579	81	”	"	PUNCT
fsr-3442	579	82	mindset	mindset	NOUN
fsr-3442	579	83	:	:	PUNCT
fsr-3442	579	84	(	(	PUNCT
fsr-3442	579	85	1	1	X
fsr-3442	579	86	)	)	PUNCT
fsr-3442	579	87	modify	modify	VERB
fsr-3442	579	88	the	the	DET
fsr-3442	579	89	doers	doer	NOUN
fsr-3442	579	90	’	’	PART
fsr-3442	579	91	preferences	preference	NOUN
fsr-3442	579	92	,	,	PUNCT
fsr-3442	579	93	(	(	PUNCT
fsr-3442	579	94	2	2	X
fsr-3442	579	95	)	)	PUNCT
fsr-3442	579	96	force	force	NOUN
fsr-3442	579	97	doer	doer	NOUN
fsr-3442	579	98	to	to	PART
fsr-3442	579	99	input	input	VERB
fsr-3442	579	100	to	to	ADP
fsr-3442	579	101	a	a	DET
fsr-3442	579	102	savings	saving	NOUN
fsr-3442	579	103	program	program	NOUN
fsr-3442	579	104	or	or	CCONJ
fsr-3442	579	105	budget	budget	NOUN
fsr-3442	579	106	,	,	PUNCT
fsr-3442	579	107	“	"	PUNCT
fsr-3442	579	108	simply	simply	ADV
fsr-3442	579	109	keeping	keep	VERB
fsr-3442	579	110	track	track	NOUN
fsr-3442	579	111	seems	seem	VERB
fsr-3442	579	112	to	to	PART
fsr-3442	579	113	act	act	VERB
fsr-3442	579	114	as	as	ADP
fsr-3442	579	115	a	a	DET
fsr-3442	579	116	tax	tax	NOUN
fsr-3442	579	117	on	on	ADP
fsr-3442	579	118	any	any	DET
fsr-3442	579	119	behavior	behavior	NOUN
fsr-3442	579	120	the	the	DET
fsr-3442	579	121	planner	planner	NOUN
fsr-3442	579	122	views	view	VERB
fsr-3442	579	123	as	as	ADP
fsr-3442	579	124	deviant	deviant	ADJ
fsr-3442	579	125	,	,	PUNCT
fsr-3442	579	126	”	"	PUNCT
fsr-3442	579	127	and	and	CCONJ
fsr-3442	579	128	(	(	PUNCT
fsr-3442	579	129	3	3	X
fsr-3442	579	130	)	)	PUNCT
fsr-3442	579	131	alter	alter	NOUN
fsr-3442	579	132	incentives	incentive	NOUN
fsr-3442	579	133	.	.	PUNCT
fsr-3442	580	1	we	we	PRON
fsr-3442	580	2	expect	expect	VERB
fsr-3442	580	3	that	that	SCONJ
fsr-3442	580	4	using	use	VERB
fsr-3442	580	5	transaction	transaction	NOUN
fsr-3442	580	6	-	-	PUNCT
fsr-3442	580	7	based	base	VERB
fsr-3442	580	8	financial	financial	ADJ
fsr-3442	580	9	technologies	technology	NOUN
fsr-3442	580	10	may	may	AUX
fsr-3442	580	11	not	not	PART
fsr-3442	580	12	have	have	VERB
fsr-3442	580	13	a	a	DET
fsr-3442	580	14	positive	positive	ADJ
fsr-3442	580	15	impact	impact	NOUN
fsr-3442	580	16	on	on	ADP
fsr-3442	580	17	households	household	NOUN
fsr-3442	580	18	’	'	PUNCT
fsr-3442	580	19	engagement	engagement	NOUN
fsr-3442	580	20	in	in	ADP
fsr-3442	580	21	positive	positive	ADJ
fsr-3442	580	22	financial	financial	ADJ
fsr-3442	580	23	behaviors	behavior	NOUN
fsr-3442	580	24	because	because	SCONJ
fsr-3442	580	25	transaction	transaction	NOUN
fsr-3442	580	26	-	-	PUNCT
fsr-3442	580	27	based	base	VERB
fsr-3442	580	28	technologies	technology	NOUN
fsr-3442	580	29	basically	basically	ADV
fsr-3442	580	30	enhance	enhance	VERB
fsr-3442	580	31	consumer	consumer	NOUN
fsr-3442	580	32	discretion	discretion	NOUN
fsr-3442	580	33	and	and	CCONJ
fsr-3442	580	34	ability	ability	NOUN
fsr-3442	580	35	to	to	PART
fsr-3442	580	36	myopically	myopically	ADV
fsr-3442	580	37	overextend	overextend	VERB
fsr-3442	580	38	themselves	themselves	PRON
fsr-3442	580	39	by	by	ADP
fsr-3442	580	40	consuming	consume	VERB
fsr-3442	580	41	too	too	ADV
fsr-3442	580	42	much	much	ADJ
fsr-3442	580	43	today	today	NOUN
fsr-3442	580	44	.	.	PUNCT
fsr-3442	581	1	in	in	ADP
fsr-3442	581	2	contrast	contrast	NOUN
fsr-3442	581	3	,	,	PUNCT
fsr-3442	581	4	we	we	PRON
fsr-3442	581	5	expect	expect	VERB
fsr-3442	581	6	that	that	SCONJ
fsr-3442	581	7	the	the	DET
fsr-3442	581	8	use	use	NOUN
fsr-3442	581	9	of	of	ADP
fsr-3442	581	10	planning	planning	NOUN
fsr-3442	581	11	purposed	purpose	VERB
fsr-3442	581	12	financial	financial	ADJ
fsr-3442	581	13	technologies	technology	NOUN
fsr-3442	581	14	will	will	AUX
fsr-3442	581	15	have	have	VERB
fsr-3442	581	16	a	a	DET
fsr-3442	581	17	positive	positive	ADJ
fsr-3442	581	18	impact	impact	NOUN
fsr-3442	581	19	on	on	ADP
fsr-3442	581	20	positive	positive	ADJ
fsr-3442	581	21	financial	financial	ADJ
fsr-3442	581	22	behaviors	behavior	NOUN
fsr-3442	581	23	.	.	PUNCT
fsr-3442	582	1	in	in	ADP
fsr-3442	582	2	panel	panel	PROPN
fsr-3442	582	3	b	b	PROPN
fsr-3442	582	4	of	of	ADP
fsr-3442	582	5	table	table	NOUN
fsr-3442	582	6	3	3	NUM
fsr-3442	582	7	,	,	PUNCT
fsr-3442	582	8	it	it	PRON
fsr-3442	582	9	shows	show	VERB
fsr-3442	582	10	that	that	SCONJ
fsr-3442	582	11	the	the	DET
fsr-3442	582	12	mean	mean	ADJ
fsr-3442	582	13	(	(	PUNCT
fsr-3442	582	14	median	median	NOUN
fsr-3442	582	15	)	)	PUNCT
fsr-3442	582	16	of	of	ADP
fsr-3442	582	17	the	the	DET
fsr-3442	582	18	transitional	transitional	ADJ
fsr-3442	582	19	technology	technology	NOUN
fsr-3442	582	20	usage	usage	NOUN
fsr-3442	582	21	index	index	NOUN
fsr-3442	582	22	and	and	CCONJ
fsr-3442	582	23	planning	planning	NOUN
fsr-3442	582	24	technology	technology	NOUN
fsr-3442	582	25	usage	usage	NOUN
fsr-3442	582	26	index	index	NOUN
fsr-3442	582	27	is	be	AUX
fsr-3442	582	28	�	�	NOUN
fsr-3442	582	29	0.095	0.095	NUM
fsr-3442	582	30	(	(	PUNCT
fsr-3442	582	31	0.286	0.286	NUM
fsr-3442	582	32	)	)	PUNCT
fsr-3442	582	33	and	and	CCONJ
fsr-3442	582	34	�	�	NOUN
fsr-3442	582	35	0.058	0.058	NUM
fsr-3442	582	36	(	(	PUNCT
fsr-3442	582	37	0.385	0.385	NUM
fsr-3442	582	38	)	)	PUNCT
fsr-3442	582	39	,	,	PUNCT
fsr-3442	582	40	respectively	respectively	ADV
fsr-3442	582	41	.	.	PUNCT
fsr-3442	583	1	3.3	3.3	NUM
fsr-3442	583	2	.	.	PUNCT
fsr-3442	584	1	other	other	ADJ
fsr-3442	584	2	control	control	NOUN
fsr-3442	584	3	variables	variable	NOUN
fsr-3442	584	4	to	to	PART
fsr-3442	584	5	control	control	VERB
fsr-3442	584	6	for	for	ADP
fsr-3442	584	7	other	other	ADJ
fsr-3442	584	8	factors	factor	NOUN
fsr-3442	584	9	that	that	PRON
fsr-3442	584	10	are	be	AUX
fsr-3442	584	11	likely	likely	ADJ
fsr-3442	584	12	to	to	PART
fsr-3442	584	13	be	be	AUX
fsr-3442	584	14	related	relate	VERB
fsr-3442	584	15	to	to	ADP
fsr-3442	584	16	households	household	NOUN
fsr-3442	584	17	’	'	PUNCT
fsr-3442	584	18	positive	positive	ADJ
fsr-3442	584	19	financial	financial	ADJ
fsr-3442	584	20	behaviors	behavior	NOUN
fsr-3442	584	21	,	,	PUNCT
fsr-3442	584	22	we	we	PRON
fsr-3442	584	23	include	include	VERB
fsr-3442	584	24	a	a	DET
fsr-3442	584	25	range	range	NOUN
fsr-3442	584	26	of	of	ADP
fsr-3442	584	27	other	other	ADJ
fsr-3442	584	28	measures	measure	NOUN
fsr-3442	584	29	as	as	SCONJ
fsr-3442	584	30	shown	show	VERB
fsr-3442	584	31	in	in	ADP
fsr-3442	584	32	panel	panel	NOUN
fsr-3442	584	33	b	b	PROPN
fsr-3442	584	34	of	of	ADP
fsr-3442	584	35	table	table	NOUN
fsr-3442	584	36	3	3	NUM
fsr-3442	584	37	.	.	PUNCT
fsr-3442	584	38	financial	financial	ADJ
fsr-3442	584	39	sophistication	sophistication	NOUN
fsr-3442	584	40	:	:	PUNCT
fsr-3442	584	41	a	a	DET
fsr-3442	584	42	score	score	NOUN
fsr-3442	584	43	from	from	ADP
fsr-3442	584	44	four	four	NUM
fsr-3442	584	45	questions	question	NOUN
fsr-3442	584	46	in	in	ADP
fsr-3442	584	47	scf	scf	PROPN
fsr-3442	584	48	that	that	PRON
fsr-3442	584	49	represents	represent	VERB
fsr-3442	584	50	the	the	DET
fsr-3442	584	51	financial	financial	ADJ
fsr-3442	584	52	literacy	literacy	NOUN
fsr-3442	584	53	of	of	ADP
fsr-3442	584	54	a	a	DET
fsr-3442	584	55	household	household	NOUN
fsr-3442	584	56	(	(	PUNCT
fsr-3442	584	57	huston	huston	PROPN
fsr-3442	584	58	et	et	PROPN
fsr-3442	584	59	al	al	PROPN
fsr-3442	584	60	.	.	PROPN
fsr-3442	584	61	,	,	PUNCT
fsr-3442	584	62	2012	2012	NUM
fsr-3442	584	63	)	)	PUNCT
fsr-3442	584	64	.	.	PUNCT
fsr-3442	585	1	we	we	PRON
fsr-3442	585	2	expect	expect	VERB
fsr-3442	585	3	that	that	SCONJ
fsr-3442	585	4	households	household	NOUN
fsr-3442	585	5	with	with	ADP
fsr-3442	585	6	higher	high	ADJ
fsr-3442	585	7	financial	financial	ADJ
fsr-3442	585	8	sophistication	sophistication	NOUN
fsr-3442	585	9	levels	level	NOUN
fsr-3442	585	10	are	be	AUX
fsr-3442	585	11	more	more	ADV
fsr-3442	585	12	likely	likely	ADJ
fsr-3442	585	13	to	to	PART
fsr-3442	585	14	engage	engage	VERB
fsr-3442	585	15	in	in	ADP
fsr-3442	585	16	positive	positive	ADJ
fsr-3442	585	17	financial	financial	ADJ
fsr-3442	585	18	behaviors	behavior	NOUN
fsr-3442	585	19	.	.	PUNCT
fsr-3442	586	1	homeownership	homeownership	NOUN
fsr-3442	586	2	:	:	PUNCT
fsr-3442	587	1	households	household	NOUN
fsr-3442	587	2	with	with	ADP
fsr-3442	587	3	homeownership	homeownership	NOUN
fsr-3442	587	4	have	have	VERB
fsr-3442	587	5	more	more	ADJ
fsr-3442	587	6	personal	personal	ADJ
fsr-3442	587	7	finance	finance	NOUN
fsr-3442	587	8	experiences	experience	NOUN
fsr-3442	587	9	,	,	PUNCT
fsr-3442	587	10	such	such	ADJ
fsr-3442	587	11	as	as	ADP
fsr-3442	587	12	payments	payment	NOUN
fsr-3442	587	13	of	of	ADP
fsr-3442	587	14	mortgage	mortgage	NOUN
fsr-3442	587	15	loans	loan	NOUN
fsr-3442	587	16	,	,	PUNCT
fsr-3442	587	17	and	and	CCONJ
fsr-3442	587	18	refinance	refinance	NOUN
fsr-3442	587	19	options	option	NOUN
fsr-3442	587	20	.	.	PUNCT
fsr-3442	588	1	we	we	PRON
fsr-3442	588	2	expect	expect	VERB
fsr-3442	588	3	that	that	SCONJ
fsr-3442	588	4	such	such	ADJ
fsr-3442	588	5	households	household	NOUN
fsr-3442	588	6	are	be	AUX
fsr-3442	588	7	more	more	ADV
fsr-3442	588	8	likely	likely	ADJ
fsr-3442	588	9	to	to	PART
fsr-3442	588	10	engage	engage	VERB
fsr-3442	588	11	in	in	ADP
fsr-3442	588	12	positive	positive	ADJ
fsr-3442	588	13	financial	financial	ADJ
fsr-3442	588	14	behaviors	behavior	NOUN
fsr-3442	588	15	.	.	PUNCT
fsr-3442	589	1	3.3.1	3.3.1	X
fsr-3442	589	2	.	.	PUNCT
fsr-3442	589	3	general	general	ADJ
fsr-3442	589	4	human	human	ADJ
fsr-3442	589	5	capital	capital	NOUN
fsr-3442	589	6	age	age	NOUN
fsr-3442	589	7	:	:	PUNCT
fsr-3442	589	8	as	as	SCONJ
fsr-3442	589	9	age	age	NOUN
fsr-3442	589	10	goes	go	VERB
fsr-3442	589	11	up	up	ADP
fsr-3442	589	12	,	,	PUNCT
fsr-3442	589	13	years	year	NOUN
fsr-3442	589	14	of	of	ADP
fsr-3442	589	15	experience	experience	NOUN
fsr-3442	589	16	become	become	VERB
fsr-3442	589	17	valuable	valuable	ADJ
fsr-3442	589	18	human	human	ADJ
fsr-3442	589	19	capital	capital	NOUN
fsr-3442	589	20	.	.	PUNCT
fsr-3442	590	1	education	education	NOUN
fsr-3442	590	2	level	level	NOUN
fsr-3442	590	3	:	:	PUNCT
fsr-3442	590	4	generally	generally	ADV
fsr-3442	590	5	speaking	speak	VERB
fsr-3442	590	6	,	,	PUNCT
fsr-3442	590	7	more	more	ADJ
fsr-3442	590	8	years	year	NOUN
fsr-3442	590	9	of	of	ADP
fsr-3442	590	10	schooling	schooling	NOUN
fsr-3442	590	11	will	will	AUX
fsr-3442	590	12	increase	increase	VERB
fsr-3442	590	13	households	household	NOUN
fsr-3442	590	14	’	'	PUNCT
fsr-3442	590	15	general	general	ADJ
fsr-3442	590	16	productivities	productivity	NOUN
fsr-3442	590	17	.	.	PUNCT
fsr-3442	591	1	we	we	PRON
fsr-3442	591	2	expect	expect	VERB
fsr-3442	591	3	that	that	SCONJ
fsr-3442	591	4	older	old	ADJ
fsr-3442	591	5	households	household	NOUN
fsr-3442	591	6	and	and	CCONJ
fsr-3442	591	7	those	those	PRON
fsr-3442	591	8	with	with	ADP
fsr-3442	591	9	more	more	ADJ
fsr-3442	591	10	education	education	NOUN
fsr-3442	591	11	are	be	AUX
fsr-3442	591	12	more	more	ADV
fsr-3442	591	13	likely	likely	ADJ
fsr-3442	591	14	to	to	PART
fsr-3442	591	15	engage	engage	VERB
fsr-3442	591	16	in	in	ADP
fsr-3442	591	17	positive	positive	ADJ
fsr-3442	591	18	financial	financial	ADJ
fsr-3442	591	19	behaviors	behavior	NOUN
fsr-3442	591	20	.	.	PUNCT
fsr-3442	592	1	marital	marital	ADJ
fsr-3442	592	2	status	status	NOUN
fsr-3442	592	3	:	:	PUNCT
fsr-3442	592	4	from	from	ADP
fsr-3442	592	5	the	the	DET
fsr-3442	592	6	whole	whole	ADJ
fsr-3442	592	7	household	household	NOUN
fsr-3442	592	8	level	level	NOUN
fsr-3442	592	9	,	,	PUNCT
fsr-3442	592	10	married	married	ADJ
fsr-3442	592	11	households	household	NOUN
fsr-3442	592	12	have	have	VERB
fsr-3442	592	13	more	more	ADJ
fsr-3442	592	14	general	general	ADJ
fsr-3442	592	15	human	human	ADJ
fsr-3442	592	16	capital	capital	NOUN
fsr-3442	592	17	because	because	SCONJ
fsr-3442	592	18	one	one	NUM
fsr-3442	592	19	partner	partner	NOUN
fsr-3442	592	20	can	can	AUX
fsr-3442	592	21	access	access	VERB
fsr-3442	592	22	the	the	DET
fsr-3442	592	23	other	other	ADJ
fsr-3442	592	24	’s	’s	PART
fsr-3442	592	25	resources	resource	NOUN
fsr-3442	592	26	.	.	PUNCT
fsr-3442	593	1	we	we	PRON
fsr-3442	593	2	expect	expect	VERB
fsr-3442	593	3	married	married	ADJ
fsr-3442	593	4	households	household	NOUN
fsr-3442	593	5	are	be	AUX
fsr-3442	593	6	more	more	ADV
fsr-3442	593	7	likely	likely	ADJ
fsr-3442	593	8	to	to	PART
fsr-3442	593	9	engage	engage	VERB
fsr-3442	593	10	in	in	ADP
fsr-3442	593	11	positive	positive	ADJ
fsr-3442	593	12	financial	financial	ADJ
fsr-3442	593	13	behaviors	behavior	NOUN
fsr-3442	593	14	.	.	PUNCT
fsr-3442	594	1	3.3.2	3.3.2	X
fsr-3442	594	2	.	.	PUNCT
fsr-3442	594	3	financial	financial	ADJ
fsr-3442	594	4	resources	resource	NOUN
fsr-3442	594	5	income	income	NOUN
fsr-3442	594	6	:	:	PUNCT
fsr-3442	594	7	the	the	DET
fsr-3442	594	8	more	more	ADJ
fsr-3442	594	9	income	income	NOUN
fsr-3442	594	10	a	a	DET
fsr-3442	594	11	household	household	NOUN
fsr-3442	594	12	has	have	VERB
fsr-3442	594	13	,	,	PUNCT
fsr-3442	594	14	the	the	DET
fsr-3442	594	15	more	more	ADJ
fsr-3442	594	16	resources	resource	NOUN
fsr-3442	594	17	that	that	PRON
fsr-3442	594	18	could	could	AUX
fsr-3442	594	19	be	be	AUX
fsr-3442	594	20	managed	manage	VERB
fsr-3442	594	21	to	to	PART
fsr-3442	594	22	achieve	achieve	VERB
fsr-3442	594	23	higher	high	ADJ
fsr-3442	594	24	lifetime	lifetime	NOUN
fsr-3442	594	25	utility	utility	NOUN
fsr-3442	594	26	.	.	PUNCT
fsr-3442	595	1	q.	q.	PROPN
fsr-3442	595	2	bi	bi	PROPN
fsr-3442	595	3	et	et	PROPN
fsr-3442	595	4	al	al	PROPN
fsr-3442	595	5	.	.	PUNCT
fsr-3442	595	6	/	/	SYM
fsr-3442	595	7	financial	financial	ADJ
fsr-3442	595	8	services	service	NOUN
fsr-3442	595	9	review	review	VERB
fsr-3442	595	10	29	29	NUM
fsr-3442	595	11	(	(	PUNCT
fsr-3442	595	12	2021	2021	NUM
fsr-3442	595	13	)	)	PUNCT
fsr-3442	595	14	29–54	29–54	NUM
fsr-3442	595	15	45	45	NUM
fsr-3442	595	16	net	net	ADJ
fsr-3442	595	17	worth	worth	NOUN
fsr-3442	595	18	:	:	PUNCT
fsr-3442	595	19	if	if	SCONJ
fsr-3442	595	20	the	the	DET
fsr-3442	595	21	households	household	NOUN
fsr-3442	595	22	have	have	VERB
fsr-3442	595	23	higher	high	ADJ
fsr-3442	595	24	net	net	ADJ
fsr-3442	595	25	worth	worth	NOUN
fsr-3442	595	26	,	,	PUNCT
fsr-3442	595	27	they	they	PRON
fsr-3442	595	28	are	be	AUX
fsr-3442	595	29	more	more	ADV
fsr-3442	595	30	likely	likely	ADJ
fsr-3442	595	31	to	to	PART
fsr-3442	595	32	be	be	AUX
fsr-3442	595	33	in	in	ADP
fsr-3442	595	34	good	good	ADJ
fsr-3442	595	35	shape	shape	NOUN
fsr-3442	595	36	with	with	ADP
fsr-3442	595	37	their	their	PRON
fsr-3442	595	38	finances	finance	NOUN
fsr-3442	595	39	but	but	CCONJ
fsr-3442	595	40	it	it	PRON
fsr-3442	595	41	does	do	AUX
fsr-3442	595	42	not	not	PART
fsr-3442	595	43	necessarily	necessarily	ADV
fsr-3442	595	44	mean	mean	VERB
fsr-3442	595	45	that	that	SCONJ
fsr-3442	595	46	they	they	PRON
fsr-3442	595	47	are	be	AUX
fsr-3442	595	48	better	well	ADJ
fsr-3442	595	49	financial	financial	ADJ
fsr-3442	595	50	managers	manager	NOUN
fsr-3442	595	51	compared	compare	VERB
fsr-3442	595	52	with	with	ADP
fsr-3442	595	53	the	the	DET
fsr-3442	595	54	others	other	NOUN
fsr-3442	595	55	.	.	PUNCT
fsr-3442	596	1	household	household	NOUN
fsr-3442	596	2	composition	composition	NOUN
fsr-3442	596	3	:	:	PUNCT
fsr-3442	596	4	having	have	VERB
fsr-3442	596	5	children	child	NOUN
fsr-3442	596	6	under	under	ADP
fsr-3442	596	7	18	18	NUM
fsr-3442	596	8	influences	influence	NOUN
fsr-3442	596	9	household	household	NOUN
fsr-3442	596	10	expenditure	expenditure	NOUN
fsr-3442	596	11	.	.	PUNCT
fsr-3442	597	1	we	we	PRON
fsr-3442	597	2	expect	expect	VERB
fsr-3442	597	3	households	household	NOUN
fsr-3442	597	4	without	without	ADP
fsr-3442	597	5	children	child	NOUN
fsr-3442	597	6	under	under	ADP
fsr-3442	597	7	18	18	NUM
fsr-3442	597	8	are	be	AUX
fsr-3442	597	9	more	more	ADV
fsr-3442	597	10	likely	likely	ADJ
fsr-3442	597	11	to	to	PART
fsr-3442	597	12	engage	engage	VERB
fsr-3442	597	13	in	in	ADP
fsr-3442	597	14	positive	positive	ADJ
fsr-3442	597	15	financial	financial	ADJ
fsr-3442	597	16	behaviors	behavior	NOUN
fsr-3442	597	17	.	.	PUNCT
fsr-3442	598	1	3.3.3	3.3.3	X
fsr-3442	598	2	.	.	PUNCT
fsr-3442	598	3	cultural	cultural	ADJ
fsr-3442	598	4	/	/	SYM
fsr-3442	598	5	environmental	environmental	ADJ
fsr-3442	598	6	influences	influence	NOUN
fsr-3442	598	7	gender	gender	NOUN
fsr-3442	598	8	:	:	PUNCT
fsr-3442	598	9	gender	gender	NOUN
fsr-3442	598	10	differences	difference	NOUN
fsr-3442	598	11	have	have	AUX
fsr-3442	598	12	been	be	AUX
fsr-3442	598	13	explored	explore	VERB
fsr-3442	598	14	,	,	PUNCT
fsr-3442	598	15	identified	identify	VERB
fsr-3442	598	16	,	,	PUNCT
fsr-3442	598	17	and	and	CCONJ
fsr-3442	598	18	established	establish	VERB
fsr-3442	598	19	for	for	ADP
fsr-3442	598	20	different	different	ADJ
fsr-3442	598	21	financial	financial	ADJ
fsr-3442	598	22	behaviors	behavior	NOUN
fsr-3442	598	23	from	from	ADP
fsr-3442	598	24	savings	saving	NOUN
fsr-3442	598	25	(	(	PUNCT
fsr-3442	598	26	strömbäck	strömbäck	X
fsr-3442	598	27	et	et	NOUN
fsr-3442	598	28	al	al	PROPN
fsr-3442	598	29	.	.	PROPN
fsr-3442	598	30	,	,	PUNCT
fsr-3442	598	31	2017	2017	NUM
fsr-3442	598	32	;	;	PUNCT
fsr-3442	598	33	fisher	fisher	PROPN
fsr-3442	598	34	,	,	PUNCT
fsr-3442	598	35	2010	2010	NUM
fsr-3442	598	36	)	)	PUNCT
fsr-3442	598	37	to	to	PART
fsr-3442	598	38	willingness	willingness	VERB
fsr-3442	598	39	to	to	PART
fsr-3442	598	40	take	take	VERB
fsr-3442	598	41	risks	risk	NOUN
fsr-3442	598	42	(	(	PUNCT
fsr-3442	598	43	fisher	fisher	PROPN
fsr-3442	598	44	&	&	CCONJ
fsr-3442	598	45	yao	yao	PROPN
fsr-3442	598	46	,	,	PUNCT
fsr-3442	598	47	2017	2017	NUM
fsr-3442	598	48	)	)	PUNCT
fsr-3442	598	49	.	.	PUNCT
fsr-3442	599	1	for	for	ADP
fsr-3442	599	2	example	example	NOUN
fsr-3442	599	3	,	,	PUNCT
fsr-3442	599	4	hayhoe	hayhoe	PROPN
fsr-3442	599	5	et	et	PROPN
fsr-3442	599	6	al	al	PROPN
fsr-3442	599	7	.	.	PROPN
fsr-3442	600	1	(	(	PUNCT
fsr-3442	600	2	2000	2000	NUM
fsr-3442	600	3	)	)	PUNCT
fsr-3442	600	4	found	find	VERB
fsr-3442	600	5	that	that	SCONJ
fsr-3442	600	6	gender	gender	NOUN
fsr-3442	600	7	was	be	AUX
fsr-3442	600	8	more	more	ADV
fsr-3442	600	9	influential	influential	ADJ
fsr-3442	600	10	in	in	ADP
fsr-3442	600	11	predicting	predict	VERB
fsr-3442	600	12	financial	financial	ADJ
fsr-3442	600	13	management	management	NOUN
fsr-3442	600	14	practices	practice	NOUN
fsr-3442	600	15	than	than	SCONJ
fsr-3442	600	16	was	be	AUX
fsr-3442	600	17	affective	affective	ADJ
fsr-3442	600	18	credit	credit	NOUN
fsr-3442	600	19	attitude	attitude	NOUN
fsr-3442	600	20	,	,	PUNCT
fsr-3442	600	21	with	with	ADP
fsr-3442	600	22	female	female	ADJ
fsr-3442	600	23	students	student	NOUN
fsr-3442	600	24	employing	employ	VERB
fsr-3442	600	25	a	a	DET
fsr-3442	600	26	greater	great	ADJ
fsr-3442	600	27	number	number	NOUN
fsr-3442	600	28	of	of	ADP
fsr-3442	600	29	financial	financial	ADJ
fsr-3442	600	30	practices	practice	NOUN
fsr-3442	600	31	.	.	PUNCT
fsr-3442	601	1	gender	gender	NOUN
fsr-3442	601	2	differences	difference	NOUN
fsr-3442	601	3	have	have	AUX
fsr-3442	601	4	also	also	ADV
fsr-3442	601	5	been	be	AUX
fsr-3442	601	6	demonstrated	demonstrate	VERB
fsr-3442	601	7	for	for	ADP
fsr-3442	601	8	objective	objective	ADJ
fsr-3442	601	9	financial	financial	ADJ
fsr-3442	601	10	knowledge	knowledge	NOUN
fsr-3442	601	11	and	and	CCONJ
fsr-3442	601	12	numeric	numeric	ADJ
fsr-3442	601	13	ability	ability	NOUN
fsr-3442	601	14	,	,	PUNCT
fsr-3442	601	15	where	where	SCONJ
fsr-3442	601	16	males	male	NOUN
fsr-3442	601	17	typically	typically	ADV
fsr-3442	601	18	perform	perform	VERB
fsr-3442	601	19	better	well	ADJ
fsr-3442	601	20	than	than	ADP
fsr-3442	601	21	females	female	NOUN
fsr-3442	601	22	(	(	PUNCT
fsr-3442	601	23	chen	chen	PROPN
fsr-3442	601	24	&	&	CCONJ
fsr-3442	601	25	volpe	volpe	PROPN
fsr-3442	601	26	,	,	PUNCT
fsr-3442	601	27	2002	2002	NUM
fsr-3442	601	28	;	;	PUNCT
fsr-3442	601	29	fonseca	fonseca	PROPN
fsr-3442	601	30	et	et	PROPN
fsr-3442	601	31	al	al	PROPN
fsr-3442	601	32	.	.	PROPN
fsr-3442	601	33	,	,	PUNCT
fsr-3442	601	34	2012	2012	NUM
fsr-3442	601	35	;	;	PUNCT
fsr-3442	601	36	lusardi	lusardi	PROPN
fsr-3442	601	37	&	&	CCONJ
fsr-3442	601	38	mitchell	mitchell	PROPN
fsr-3442	601	39	,	,	PUNCT
fsr-3442	601	40	2008	2008	NUM
fsr-3442	601	41	;	;	PUNCT
fsr-3442	601	42	powell	powell	PROPN
fsr-3442	601	43	&	&	CCONJ
fsr-3442	601	44	ansic	ansic	NOUN
fsr-3442	601	45	,	,	PUNCT
fsr-3442	601	46	1997	1997	NUM
fsr-3442	601	47	)	)	PUNCT
fsr-3442	601	48	.	.	PUNCT
fsr-3442	602	1	lind	lind	PROPN
fsr-3442	602	2	et	et	PROPN
fsr-3442	602	3	al	al	PROPN
fsr-3442	602	4	.	.	PROPN
fsr-3442	602	5	(	(	PUNCT
fsr-3442	602	6	2020	2020	NUM
fsr-3442	602	7	)	)	PUNCT
fsr-3442	602	8	attempted	attempt	VERB
fsr-3442	602	9	to	to	PART
fsr-3442	602	10	explore	explore	VERB
fsr-3442	602	11	how	how	SCONJ
fsr-3442	602	12	gender	gender	NOUN
fsr-3442	602	13	impacted	impact	VERB
fsr-3442	602	14	broader	broad	ADJ
fsr-3442	602	15	measures	measure	NOUN
fsr-3442	602	16	of	of	ADP
fsr-3442	602	17	financial	financial	ADJ
fsr-3442	602	18	behavior	behavior	NOUN
fsr-3442	602	19	while	while	SCONJ
fsr-3442	602	20	controlling	control	VERB
fsr-3442	602	21	for	for	ADP
fsr-3442	602	22	differences	difference	NOUN
fsr-3442	602	23	in	in	ADP
fsr-3442	602	24	relevant	relevant	ADJ
fsr-3442	602	25	cognitive	cognitive	ADJ
fsr-3442	602	26	abilities	ability	NOUN
fsr-3442	602	27	and	and	CCONJ
fsr-3442	602	28	demographic	demographic	ADJ
fsr-3442	602	29	statistics	statistic	NOUN
fsr-3442	602	30	—	—	PUNCT
fsr-3442	602	31	their	their	PRON
fsr-3442	602	32	research	research	NOUN
fsr-3442	602	33	discovered	discover	VERB
fsr-3442	602	34	that	that	SCONJ
fsr-3442	602	35	women	woman	NOUN
fsr-3442	602	36	reported	report	VERB
fsr-3442	602	37	a	a	DET
fsr-3442	602	38	lower	low	ADJ
fsr-3442	602	39	level	level	NOUN
fsr-3442	602	40	of	of	ADP
fsr-3442	602	41	subjective	subjective	ADJ
fsr-3442	602	42	financial	financial	ADJ
fsr-3442	602	43	wellbeing	wellbee	VERB
fsr-3442	602	44	even	even	ADV
fsr-3442	602	45	though	though	SCONJ
fsr-3442	602	46	they	they	PRON
fsr-3442	602	47	reported	report	VERB
fsr-3442	602	48	a	a	DET
fsr-3442	602	49	more	more	ADV
fsr-3442	602	50	prudent	prudent	ADJ
fsr-3442	602	51	financial	financial	ADJ
fsr-3442	602	52	behavior	behavior	NOUN
fsr-3442	602	53	than	than	ADP
fsr-3442	602	54	men	man	NOUN
fsr-3442	602	55	when	when	SCONJ
fsr-3442	602	56	controlling	control	VERB
fsr-3442	602	57	for	for	ADP
fsr-3442	602	58	socio	socio	NOUN
fsr-3442	602	59	-	-	PUNCT
fsr-3442	602	60	demographics	demographic	NOUN
fsr-3442	602	61	and	and	CCONJ
fsr-3442	602	62	cognitive	cognitive	ADJ
fsr-3442	602	63	abilities	ability	NOUN
fsr-3442	602	64	.	.	PUNCT
fsr-3442	603	1	race	race	NOUN
fsr-3442	603	2	and	and	CCONJ
fsr-3442	603	3	ethnicity	ethnicity	NOUN
fsr-3442	603	4	:	:	PUNCT
fsr-3442	603	5	cultural	cultural	ADJ
fsr-3442	603	6	biases	bias	NOUN
fsr-3442	603	7	and	and	CCONJ
fsr-3442	603	8	behaviors	behavior	NOUN
fsr-3442	603	9	affect	affect	VERB
fsr-3442	603	10	households	household	NOUN
fsr-3442	603	11	’	'	PUNCT
fsr-3442	603	12	financial	financial	ADJ
fsr-3442	603	13	behaviors	behavior	NOUN
fsr-3442	603	14	.	.	PUNCT
fsr-3442	604	1	for	for	ADP
fsr-3442	604	2	example	example	NOUN
fsr-3442	604	3	,	,	PUNCT
fsr-3442	604	4	asian	asian	ADJ
fsr-3442	604	5	households	household	NOUN
fsr-3442	604	6	are	be	AUX
fsr-3442	604	7	more	more	ADV
fsr-3442	604	8	likely	likely	ADJ
fsr-3442	604	9	to	to	PART
fsr-3442	604	10	save	save	VERB
fsr-3442	604	11	and	and	CCONJ
fsr-3442	604	12	more	more	ADV
fsr-3442	604	13	encouraged	encouraged	ADJ
fsr-3442	604	14	to	to	PART
fsr-3442	604	15	attain	attain	VERB
fsr-3442	604	16	higher	high	ADJ
fsr-3442	604	17	education	education	NOUN
fsr-3442	604	18	.	.	PUNCT
fsr-3442	605	1	economic	economic	ADJ
fsr-3442	605	2	expectations	expectation	NOUN
fsr-3442	605	3	:	:	PUNCT
fsr-3442	605	4	different	different	ADJ
fsr-3442	605	5	economic	economic	ADJ
fsr-3442	605	6	expectations	expectation	NOUN
fsr-3442	605	7	affect	affect	VERB
fsr-3442	605	8	households	household	NOUN
fsr-3442	605	9	’	'	PUNCT
fsr-3442	605	10	financial	financial	ADJ
fsr-3442	605	11	decisions	decision	NOUN
fsr-3442	605	12	such	such	ADJ
fsr-3442	605	13	as	as	ADP
fsr-3442	605	14	saving	saving	NOUN
fsr-3442	605	15	and	and	CCONJ
fsr-3442	605	16	consumption	consumption	NOUN
fsr-3442	605	17	.	.	PUNCT
fsr-3442	606	1	interest	interest	NOUN
fsr-3442	606	2	rate	rate	NOUN
fsr-3442	606	3	expectations	expectation	NOUN
fsr-3442	606	4	:	:	PUNCT
fsr-3442	606	5	different	different	ADJ
fsr-3442	606	6	interest	interest	NOUN
fsr-3442	606	7	rate	rate	NOUN
fsr-3442	606	8	expectations	expectation	NOUN
fsr-3442	606	9	affect	affect	VERB
fsr-3442	606	10	households	household	NOUN
fsr-3442	606	11	’	'	PUNCT
fsr-3442	606	12	financial	financial	ADJ
fsr-3442	606	13	decisions	decision	NOUN
fsr-3442	606	14	such	such	ADJ
fsr-3442	606	15	as	as	ADP
fsr-3442	606	16	saving	saving	NOUN
fsr-3442	606	17	and	and	CCONJ
fsr-3442	606	18	consumption	consumption	NOUN
fsr-3442	606	19	,	,	PUNCT
fsr-3442	606	20	and	and	CCONJ
fsr-3442	606	21	chosen	choose	VERB
fsr-3442	606	22	loan	loan	NOUN
fsr-3442	606	23	products	product	NOUN
fsr-3442	606	24	.	.	PUNCT
fsr-3442	607	1	risk	risk	NOUN
fsr-3442	607	2	tolerance	tolerance	NOUN
fsr-3442	607	3	:	:	PUNCT
fsr-3442	607	4	willingness	willingness	NOUN
fsr-3442	607	5	to	to	PART
fsr-3442	607	6	take	take	VERB
fsr-3442	607	7	risk	risk	NOUN
fsr-3442	607	8	affects	affect	VERB
fsr-3442	607	9	households	household	NOUN
fsr-3442	607	10	’	'	PUNCT
fsr-3442	607	11	investment	investment	NOUN
fsr-3442	607	12	related	relate	VERB
fsr-3442	607	13	financial	financial	ADJ
fsr-3442	607	14	decisions	decision	NOUN
fsr-3442	607	15	.	.	PUNCT
fsr-3442	608	1	we	we	PRON
fsr-3442	608	2	expect	expect	VERB
fsr-3442	608	3	households	household	NOUN
fsr-3442	608	4	who	who	PRON
fsr-3442	608	5	are	be	AUX
fsr-3442	608	6	willing	willing	ADJ
fsr-3442	608	7	to	to	PART
fsr-3442	608	8	take	take	VERB
fsr-3442	608	9	on	on	ADP
fsr-3442	608	10	some	some	DET
fsr-3442	608	11	risk	risk	NOUN
fsr-3442	608	12	are	be	AUX
fsr-3442	608	13	more	more	ADV
fsr-3442	608	14	likely	likely	ADJ
fsr-3442	608	15	to	to	PART
fsr-3442	608	16	engage	engage	VERB
fsr-3442	608	17	in	in	ADP
fsr-3442	608	18	positive	positive	ADJ
fsr-3442	608	19	financial	financial	ADJ
fsr-3442	608	20	behaviors	behavior	NOUN
fsr-3442	608	21	.	.	PUNCT
fsr-3442	609	1	4	4	X
fsr-3442	609	2	.	.	X
fsr-3442	609	3	multivariate	multivariate	NOUN
fsr-3442	609	4	analysis	analysis	NOUN
fsr-3442	609	5	,	,	PUNCT
fsr-3442	609	6	results	result	NOUN
fsr-3442	609	7	,	,	PUNCT
fsr-3442	609	8	and	and	CCONJ
fsr-3442	609	9	discussions	discussion	NOUN
fsr-3442	609	10	to	to	PART
fsr-3442	609	11	determine	determine	VERB
fsr-3442	609	12	the	the	DET
fsr-3442	609	13	impact	impact	NOUN
fsr-3442	609	14	of	of	ADP
fsr-3442	609	15	using	use	VERB
fsr-3442	609	16	financial	financial	ADJ
fsr-3442	609	17	technology	technology	NOUN
fsr-3442	609	18	on	on	ADP
fsr-3442	609	19	positive	positive	ADJ
fsr-3442	609	20	financial	financial	ADJ
fsr-3442	609	21	behavior	behavior	NOUN
fsr-3442	609	22	,	,	PUNCT
fsr-3442	609	23	we	we	PRON
fsr-3442	609	24	use	use	VERB
fsr-3442	609	25	ordinary	ordinary	ADJ
fsr-3442	609	26	least	least	ADJ
fsr-3442	609	27	square	square	ADJ
fsr-3442	609	28	(	(	PUNCT
fsr-3442	609	29	ols	ol	NOUN
fsr-3442	609	30	)	)	PUNCT
fsr-3442	609	31	by	by	ADP
fsr-3442	609	32	regressing	regress	VERB
fsr-3442	609	33	the	the	DET
fsr-3442	609	34	independent	independent	ADJ
fsr-3442	609	35	variables	variable	NOUN
fsr-3442	609	36	on	on	ADP
fsr-3442	609	37	the	the	DET
fsr-3442	609	38	positive	positive	ADJ
fsr-3442	609	39	financial	financial	ADJ
fsr-3442	609	40	behavior	behavior	NOUN
fsr-3442	609	41	indexes	index	NOUN
fsr-3442	609	42	as	as	SCONJ
fsr-3442	609	43	specified	specify	VERB
fsr-3442	609	44	in	in	ADP
fsr-3442	609	45	equation	equation	NOUN
fsr-3442	609	46	(	(	PUNCT
fsr-3442	609	47	2	2	NUM
fsr-3442	609	48	)	)	PUNCT
fsr-3442	609	49	.	.	PUNCT
fsr-3442	610	1	results	result	NOUN
fsr-3442	610	2	of	of	ADP
fsr-3442	610	3	the	the	DET
fsr-3442	610	4	regression	regression	NOUN
fsr-3442	610	5	analysis	analysis	NOUN
fsr-3442	610	6	are	be	AUX
fsr-3442	610	7	shown	show	VERB
fsr-3442	610	8	in	in	ADP
fsr-3442	610	9	table	table	NOUN
fsr-3442	610	10	4	4	NUM
fsr-3442	610	11	.	.	PUNCT
fsr-3442	610	12	models	model	NOUN
fsr-3442	610	13	(	(	PUNCT
fsr-3442	610	14	1	1	NUM
fsr-3442	610	15	)	)	PUNCT
fsr-3442	610	16	,	,	PUNCT
fsr-3442	610	17	(	(	PUNCT
fsr-3442	610	18	2	2	NUM
fsr-3442	610	19	)	)	PUNCT
fsr-3442	610	20	,	,	PUNCT
fsr-3442	610	21	and	and	CCONJ
fsr-3442	610	22	(	(	PUNCT
fsr-3442	610	23	3	3	X
fsr-3442	610	24	)	)	PUNCT
fsr-3442	610	25	show	show	VERB
fsr-3442	610	26	the	the	DET
fsr-3442	610	27	regression	regression	NOUN
fsr-3442	610	28	results	result	NOUN
fsr-3442	610	29	using	use	VERB
fsr-3442	610	30	three	three	NUM
fsr-3442	610	31	different	different	ADJ
fsr-3442	610	32	measures	measure	NOUN
fsr-3442	610	33	of	of	ADP
fsr-3442	610	34	positive	positive	ADJ
fsr-3442	610	35	financial	financial	ADJ
fsr-3442	610	36	behaviors	behavior	NOUN
fsr-3442	610	37	as	as	SCONJ
fsr-3442	610	38	mentioned	mention	VERB
fsr-3442	610	39	previously	previously	ADV
fsr-3442	610	40	.	.	PUNCT
fsr-3442	611	1	our	our	PRON
fsr-3442	611	2	results	result	NOUN
fsr-3442	611	3	suggest	suggest	VERB
fsr-3442	611	4	that	that	SCONJ
fsr-3442	611	5	transactional	transactional	ADJ
fsr-3442	611	6	technology	technology	NOUN
fsr-3442	611	7	usage	usage	NOUN
fsr-3442	611	8	is	be	AUX
fsr-3442	611	9	significantly	significantly	ADV
fsr-3442	611	10	and	and	CCONJ
fsr-3442	611	11	negatively	negatively	ADV
fsr-3442	611	12	related	relate	VERB
fsr-3442	611	13	to	to	ADP
fsr-3442	611	14	positive	positive	ADJ
fsr-3442	611	15	financial	financial	ADJ
fsr-3442	611	16	behaviors	behavior	NOUN
fsr-3442	611	17	.	.	PUNCT
fsr-3442	612	1	for	for	ADP
fsr-3442	612	2	example	example	NOUN
fsr-3442	612	3	,	,	PUNCT
fsr-3442	612	4	in	in	ADP
fsr-3442	612	5	model	model	NOUN
fsr-3442	612	6	(	(	PUNCT
fsr-3442	612	7	2	2	NUM
fsr-3442	612	8	)	)	PUNCT
fsr-3442	612	9	,	,	PUNCT
fsr-3442	612	10	it	it	PRON
fsr-3442	612	11	indicates	indicate	VERB
fsr-3442	612	12	that	that	SCONJ
fsr-3442	612	13	a	a	DET
fsr-3442	612	14	one	one	NUM
fsr-3442	612	15	unit	unit	NOUN
fsr-3442	612	16	increase	increase	NOUN
fsr-3442	612	17	in	in	ADP
fsr-3442	612	18	the	the	DET
fsr-3442	612	19	transactional	transactional	ADJ
fsr-3442	612	20	technology	technology	NOUN
fsr-3442	612	21	index	index	NOUN
fsr-3442	612	22	will	will	AUX
fsr-3442	612	23	cause	cause	VERB
fsr-3442	612	24	the	the	DET
fsr-3442	612	25	composite	composite	ADJ
fsr-3442	612	26	positive	positive	ADJ
fsr-3442	612	27	financial	financial	ADJ
fsr-3442	612	28	behavior	behavior	NOUN
fsr-3442	612	29	index	index	NOUN
fsr-3442	612	30	to	to	PART
fsr-3442	612	31	decrease	decrease	VERB
fsr-3442	612	32	significantly	significantly	ADV
fsr-3442	612	33	by	by	ADP
fsr-3442	612	34	�	�	PROPN
fsr-3442	612	35	0.051	0.051	NUM
fsr-3442	612	36	units	unit	NOUN
fsr-3442	612	37	.	.	PUNCT
fsr-3442	613	1	this	this	DET
fsr-3442	613	2	result	result	NOUN
fsr-3442	613	3	is	be	AUX
fsr-3442	613	4	consistent	consistent	ADJ
fsr-3442	613	5	across	across	ADP
fsr-3442	613	6	all	all	DET
fsr-3442	613	7	three	three	NUM
fsr-3442	613	8	models	model	NOUN
fsr-3442	613	9	regardless	regardless	ADV
fsr-3442	613	10	of	of	ADP
fsr-3442	613	11	how	how	SCONJ
fsr-3442	613	12	we	we	PRON
fsr-3442	613	13	measure	measure	VERB
fsr-3442	613	14	positive	positive	ADJ
fsr-3442	613	15	financial	financial	ADJ
fsr-3442	613	16	behaviors	behavior	NOUN
fsr-3442	613	17	.	.	PUNCT
fsr-3442	614	1	the	the	DET
fsr-3442	614	2	results	result	NOUN
fsr-3442	614	3	indicate	indicate	VERB
fsr-3442	614	4	that	that	SCONJ
fsr-3442	614	5	transaction	transaction	NOUN
fsr-3442	614	6	-	-	PUNCT
fsr-3442	614	7	based	base	VERB
fsr-3442	614	8	financial	financial	ADJ
fsr-3442	614	9	technologies	technology	NOUN
fsr-3442	614	10	like	like	ADP
fsr-3442	614	11	atm	atm	NOUN
fsr-3442	614	12	card	card	NOUN
fsr-3442	614	13	,	,	PUNCT
fsr-3442	614	14	credit	credit	NOUN
fsr-3442	614	15	card	card	NOUN
fsr-3442	614	16	,	,	PUNCT
fsr-3442	614	17	phone	phone	NOUN
fsr-3442	614	18	banking	banking	NOUN
fsr-3442	614	19	,	,	PUNCT
fsr-3442	614	20	and	and	CCONJ
fsr-3442	614	21	computer	computer	NOUN
fsr-3442	614	22	banking	banking	NOUN
fsr-3442	614	23	negatively	negatively	ADV
fsr-3442	614	24	affect	affect	VERB
fsr-3442	614	25	households	household	NOUN
fsr-3442	614	26	’	'	PUNCT
fsr-3442	614	27	engagement	engagement	NOUN
fsr-3442	614	28	in	in	ADP
fsr-3442	614	29	positive	positive	ADJ
fsr-3442	614	30	financial	financial	ADJ
fsr-3442	614	31	behaviors	behavior	NOUN
fsr-3442	614	32	.	.	PUNCT
fsr-3442	615	1	for	for	ADP
fsr-3442	615	2	example	example	NOUN
fsr-3442	615	3	,	,	PUNCT
fsr-3442	615	4	the	the	DET
fsr-3442	615	5	convenience	convenience	NOUN
fsr-3442	615	6	of	of	ADP
fsr-3442	615	7	using	use	VERB
fsr-3442	615	8	atm	atm	NOUN
fsr-3442	615	9	cards	card	NOUN
fsr-3442	615	10	to	to	PART
fsr-3442	615	11	withdraw	withdraw	VERB
fsr-3442	615	12	money	money	NOUN
fsr-3442	615	13	at	at	ADP
fsr-3442	615	14	any	any	DET
fsr-3442	615	15	location	location	NOUN
fsr-3442	615	16	might	might	AUX
fsr-3442	615	17	increase	increase	VERB
fsr-3442	615	18	the	the	DET
fsr-3442	615	19	probability	probability	NOUN
fsr-3442	615	20	of	of	ADP
fsr-3442	615	21	households	household	NOUN
fsr-3442	615	22	consuming	consume	VERB
fsr-3442	615	23	now	now	ADV
fsr-3442	615	24	instead	instead	ADV
fsr-3442	615	25	of	of	ADP
fsr-3442	615	26	saving	save	VERB
fsr-3442	615	27	for	for	ADP
fsr-3442	615	28	the	the	DET
fsr-3442	615	29	future	future	NOUN
fsr-3442	615	30	.	.	PUNCT
fsr-3442	616	1	overuse	overuse	NOUN
fsr-3442	616	2	of	of	ADP
fsr-3442	616	3	credit	credit	NOUN
fsr-3442	616	4	cards	card	NOUN
fsr-3442	616	5	could	could	AUX
fsr-3442	616	6	lead	lead	VERB
fsr-3442	616	7	to	to	ADP
fsr-3442	616	8	high	high	ADJ
fsr-3442	616	9	-	-	PUNCT
fsr-3442	616	10	interest	interest	NOUN
fsr-3442	616	11	expenses	expense	NOUN
fsr-3442	616	12	or	or	CCONJ
fsr-3442	616	13	over	over	ADP
fsr-3442	616	14	-	-	PUNCT
fsr-3442	616	15	purchasing	purchasing	NOUN
fsr-3442	616	16	behaviors	behavior	NOUN
fsr-3442	616	17	46	46	NUM
fsr-3442	616	18	q.	q.	PROPN
fsr-3442	616	19	bi	bi	PROPN
fsr-3442	616	20	et	et	PROPN
fsr-3442	616	21	al	al	PROPN
fsr-3442	616	22	.	.	PUNCT
fsr-3442	616	23	/	/	SYM
fsr-3442	616	24	financial	financial	ADJ
fsr-3442	616	25	services	service	NOUN
fsr-3442	616	26	review	review	VERB
fsr-3442	616	27	29	29	NUM
fsr-3442	616	28	(	(	PUNCT
fsr-3442	616	29	2021	2021	NUM
fsr-3442	616	30	)	)	PUNCT
fsr-3442	617	1	29–54	29–54	PROPN
fsr-3442	617	2	t	t	PROPN
fsr-3442	617	3	ab	ab	PROPN
fsr-3442	617	4	le	le	PROPN
fsr-3442	617	5	4	4	NUM
fsr-3442	617	6	t	t	NOUN
fsr-3442	617	7	h	h	NOUN
fsr-3442	617	8	e	e	NOUN
fsr-3442	617	9	i	i	PRON
fsr-3442	617	10	m	m	VERB
fsr-3442	617	11	p	p	NOUN
fsr-3442	617	12	ac	ac	PROPN
fsr-3442	618	1	t	t	X
fsr-3442	618	2	o	o	X
fsr-3442	618	3	f	f	X
fsr-3442	618	4	te	te	PROPN
fsr-3442	618	5	ch	ch	PROPN
fsr-3442	618	6	n	n	PROPN
fsr-3442	618	7	o	o	NOUN
fsr-3442	619	1	lo	lo	NOUN
fsr-3442	619	2	g	g	PROPN
fsr-3442	619	3	y	y	PROPN
fsr-3442	619	4	ad	ad	NOUN
fsr-3442	620	1	o	o	NOUN
fsr-3442	620	2	p	p	X
fsr-3442	620	3	ti	ti	NOUN
fsr-3442	620	4	o	o	NOUN
fsr-3442	620	5	n	n	NUM
fsr-3442	620	6	o	o	NOUN
fsr-3442	621	1	n	n	CCONJ
fsr-3442	621	2	p	p	NOUN
fsr-3442	621	3	o	o	X
fsr-3442	621	4	si	si	X
fsr-3442	621	5	ti	ti	X
fsr-3442	621	6	v	v	NOUN
fsr-3442	621	7	e	e	PROPN
fsr-3442	621	8	fi	fi	NOUN
fsr-3442	621	9	n	n	CCONJ
fsr-3442	621	10	an	an	DET
fsr-3442	621	11	ci	ci	PROPN
fsr-3442	621	12	al	al	PROPN
fsr-3442	621	13	b	b	PROPN
fsr-3442	621	14	eh	eh	INTJ
fsr-3442	621	15	av	av	PROPN
fsr-3442	621	16	io	io	X
fsr-3442	621	17	rs	rs	ADV
fsr-3442	621	18	,	,	PUNCT
fsr-3442	621	19	es	es	ADP
fsr-3442	621	20	ti	ti	X
fsr-3442	621	21	m	m	NOUN
fsr-3442	621	22	at	at	ADP
fsr-3442	621	23	ed	ed	PROPN
fsr-3442	621	24	th	th	PROPN
fsr-3442	621	25	ro	ro	NOUN
fsr-3442	621	26	u	u	PROPN
fsr-3442	621	27	g	g	PROPN
fsr-3442	621	28	h	h	NOUN
fsr-3442	621	29	m	m	VERB
fsr-3442	621	30	u	u	NOUN
fsr-3442	621	31	lt	lt	ADV
fsr-3442	621	32	ip	ip	VERB
fsr-3442	621	33	le	le	X
fsr-3442	621	34	re	re	ADP
fsr-3442	621	35	g	g	PROPN
fsr-3442	621	36	re	re	ADP
fsr-3442	621	37	ss	ss	PROPN
fsr-3442	621	38	io	io	PROPN
fsr-3442	621	39	n	n	ADV
fsr-3442	621	40	sp	sp	ADP
fsr-3442	621	41	ec	ec	PROPN
fsr-3442	621	42	ifi	ifi	PROPN
fsr-3442	621	43	ca	can	AUX
fsr-3442	621	44	ti	ti	VERB
fsr-3442	621	45	o	o	PROPN
fsr-3442	622	1	n	n	PROPN
fsr-3442	622	2	s	s	PROPN
fsr-3442	622	3	v	v	PROPN
fsr-3442	622	4	ar	ar	PROPN
fsr-3442	622	5	ia	ia	PROPN
fsr-3442	622	6	b	b	PROPN
fsr-3442	622	7	le	le	PROPN
fsr-3442	622	8	s	s	PROPN
fsr-3442	622	9	n	n	PRON
fsr-3442	622	10	u	u	NOUN
fsr-3442	622	11	m	m	NOUN
fsr-3442	622	12	b	b	NOUN
fsr-3442	622	13	er	er	INTJ
fsr-3442	622	14	o	o	X
fsr-3442	623	1	f	f	X
fsr-3442	623	2	p	p	X
fsr-3442	623	3	o	o	X
fsr-3442	623	4	si	si	X
fsr-3442	623	5	ti	ti	X
fsr-3442	623	6	v	v	NOUN
fsr-3442	623	7	e	e	PROPN
fsr-3442	623	8	fi	fi	NOUN
fsr-3442	623	9	n	n	CCONJ
fsr-3442	623	10	an	an	DET
fsr-3442	623	11	ci	ci	PROPN
fsr-3442	623	12	al	al	PROPN
fsr-3442	623	13	b	b	PROPN
fsr-3442	623	14	eh	eh	INTJ
fsr-3442	623	15	av	av	PROPN
fsr-3442	623	16	io	io	X
fsr-3442	623	17	rs	rs	X
fsr-3442	623	18	(	(	PUNCT
fsr-3442	623	19	1	1	X
fsr-3442	623	20	)	)	PUNCT
fsr-3442	624	1	p	p	NOUN
fsr-3442	624	2	ri	ri	PROPN
fsr-3442	624	3	n	n	CCONJ
fsr-3442	624	4	ci	ci	PROPN
fsr-3442	625	1	p	p	X
fsr-3442	625	2	le	le	X
fsr-3442	625	3	c	c	X
fsr-3442	625	4	o	o	NOUN
fsr-3442	625	5	m	m	VERB
fsr-3442	625	6	p	p	X
fsr-3442	625	7	o	o	X
fsr-3442	625	8	n	n	CCONJ
fsr-3442	625	9	en	en	ADP
fsr-3442	625	10	t	t	PROPN
fsr-3442	625	11	in	in	ADP
fsr-3442	625	12	d	d	PROPN
fsr-3442	625	13	ex	ex	X
fsr-3442	625	14	(	(	PUNCT
fsr-3442	625	15	2	2	NUM
fsr-3442	625	16	)	)	PUNCT
fsr-3442	625	17	a	a	DET
fsr-3442	625	18	b	b	NOUN
fsr-3442	625	19	o	o	X
fsr-3442	625	20	v	v	PROPN
fsr-3442	625	21	eav	eav	PROPN
fsr-3442	625	22	er	er	INTJ
fsr-3442	625	23	ag	ag	PROPN
fsr-3442	625	24	e	e	PROPN
fsr-3442	625	25	p	p	NOUN
fsr-3442	625	26	o	o	X
fsr-3442	625	27	si	si	X
fsr-3442	625	28	ti	ti	X
fsr-3442	625	29	v	v	ADP
fsr-3442	625	30	e	e	PROPN
fsr-3442	625	31	b	b	PROPN
fsr-3442	625	32	eh	eh	INTJ
fsr-3442	625	33	av	av	PROPN
fsr-3442	625	34	io	io	PROPN
fsr-3442	625	35	r	r	X
fsr-3442	625	36	(	(	PUNCT
fsr-3442	625	37	3	3	NUM
fsr-3442	625	38	)	)	PUNCT
fsr-3442	626	1	c	c	NOUN
fsr-3442	626	2	o	o	PROPN
fsr-3442	626	3	n	n	PRON
fsr-3442	626	4	st	st	PROPN
fsr-3442	627	1	an	an	DET
fsr-3442	627	2	t	t	PROPN
fsr-3442	627	3	8	8	NUM
fsr-3442	627	4	.1	.1	NUM
fsr-3442	627	5	3	3	NUM
fsr-3442	627	6	9	9	NUM
fsr-3442	627	7	*	*	PUNCT
fsr-3442	627	8	*	*	PUNCT
fsr-3442	627	9	*	*	PUNCT
fsr-3442	627	10	�	�	PROPN
fsr-3442	627	11	0	0	NUM
fsr-3442	627	12	.8	.8	PROPN
fsr-3442	627	13	0	0	NUM
fsr-3442	627	14	4	4	NUM
fsr-3442	627	15	*	*	PUNCT
fsr-3442	627	16	*	*	PUNCT
fsr-3442	627	17	*	*	PUNCT
fsr-3442	627	18	�	�	PROPN
fsr-3442	627	19	1	1	NUM
fsr-3442	627	20	.7	.7	NUM
fsr-3442	627	21	1	1	NUM
fsr-3442	627	22	2	2	NUM
fsr-3442	627	23	*	*	PUNCT
fsr-3442	628	1	*	*	PUNCT
fsr-3442	628	2	*	*	PUNCT
fsr-3442	628	3	s	s	AUX
fsr-3442	628	4	p	p	X
fsr-3442	628	5	ec	ec	PROPN
fsr-3442	628	6	ifi	ifi	PROPN
fsr-3442	628	7	c	c	PROPN
fsr-3442	628	8	h	h	NOUN
fsr-3442	628	9	o	o	X
fsr-3442	628	10	u	u	X
fsr-3442	628	11	se	se	PROPN
fsr-3442	628	12	h	h	PROPN
fsr-3442	629	1	o	o	INTJ
fsr-3442	629	2	ld	ld	INTJ
fsr-3442	629	3	ca	ca	NOUN
fsr-3442	629	4	p	p	PROPN
fsr-3442	630	1	it	it	PRON
fsr-3442	630	2	al	al	PROPN
fsr-3442	630	3	f	f	PROPN
fsr-3442	630	4	in	in	ADP
fsr-3442	630	5	an	an	DET
fsr-3442	630	6	ci	ci	NOUN
fsr-3442	630	7	al	al	PROPN
fsr-3442	630	8	te	te	PROPN
fsr-3442	630	9	ch	ch	PROPN
fsr-3442	630	10	n	n	PROPN
fsr-3442	630	11	o	o	NOUN
fsr-3442	630	12	lo	lo	NOUN
fsr-3442	630	13	g	g	PROPN
fsr-3442	630	14	ie	ie	X
fsr-3442	630	15	s	s	PROPN
fsr-3442	630	16	t	t	PROPN
fsr-3442	630	17	ra	ra	PROPN
fsr-3442	630	18	n	n	PROPN
fsr-3442	630	19	sa	sa	PROPN
fsr-3442	630	20	ct	ct	PROPN
fsr-3442	630	21	io	io	PROPN
fsr-3442	630	22	n	n	PROPN
fsr-3442	630	23	al	al	PROPN
fsr-3442	630	24	te	te	PROPN
fsr-3442	630	25	ch	ch	PROPN
fsr-3442	630	26	u	u	PROPN
fsr-3442	630	27	sa	sa	PROPN
fsr-3442	630	28	g	g	PROPN
fsr-3442	630	29	e	e	PROPN
fsr-3442	630	30	in	in	ADP
fsr-3442	630	31	d	d	PROPN
fsr-3442	630	32	ex	ex	X
fsr-3442	630	33	�	�	PROPN
fsr-3442	630	34	0	0	NUM
fsr-3442	630	35	.1	.1	NUM
fsr-3442	630	36	6	6	NUM
fsr-3442	630	37	9	9	NUM
fsr-3442	630	38	*	*	PUNCT
fsr-3442	630	39	*	*	PUNCT
fsr-3442	630	40	*	*	PUNCT
fsr-3442	630	41	�	�	PROPN
fsr-3442	630	42	0	0	NUM
fsr-3442	630	43	.0	.0	NUM
fsr-3442	630	44	5	5	NUM
fsr-3442	630	45	1	1	NUM
fsr-3442	630	46	*	*	PUNCT
fsr-3442	630	47	*	*	PUNCT
fsr-3442	630	48	*	*	PUNCT
fsr-3442	630	49	�	�	PROPN
fsr-3442	630	50	0	0	NUM
fsr-3442	630	51	.1	.1	NUM
fsr-3442	630	52	0	0	NUM
fsr-3442	630	53	2	2	NUM
fsr-3442	630	54	*	*	PUNCT
fsr-3442	631	1	*	*	PUNCT
fsr-3442	631	2	*	*	PUNCT
fsr-3442	631	3	p	p	X
fsr-3442	631	4	la	la	X
fsr-3442	631	5	n	n	CCONJ
fsr-3442	631	6	n	n	NOUN
fsr-3442	631	7	in	in	ADP
fsr-3442	631	8	g	g	PROPN
fsr-3442	631	9	te	te	PROPN
fsr-3442	631	10	ch	ch	PROPN
fsr-3442	631	11	u	u	PROPN
fsr-3442	631	12	sa	sa	PROPN
fsr-3442	631	13	g	g	PROPN
fsr-3442	631	14	e	e	PROPN
fsr-3442	631	15	in	in	ADP
fsr-3442	631	16	d	d	X
fsr-3442	631	17	ex	ex	X
fsr-3442	631	18	0	0	NUM
fsr-3442	631	19	.0	.0	NUM
fsr-3442	631	20	7	7	NUM
fsr-3442	631	21	9	9	NUM
fsr-3442	631	22	*	*	PUNCT
fsr-3442	632	1	*	*	PUNCT
fsr-3442	632	2	*	*	PUNCT
fsr-3442	632	3	0	0	NUM
fsr-3442	633	1	.0	.0	NUM
fsr-3442	633	2	3	3	NUM
fsr-3442	633	3	5	5	NUM
fsr-3442	633	4	*	*	PUNCT
fsr-3442	634	1	*	*	PUNCT
fsr-3442	635	1	*	*	PUNCT
fsr-3442	635	2	0	0	NUM
fsr-3442	636	1	.0	.0	NUM
fsr-3442	636	2	8	8	NUM
fsr-3442	636	3	2	2	NUM
fsr-3442	636	4	*	*	PUNCT
fsr-3442	637	1	*	*	PUNCT
fsr-3442	637	2	*	*	PUNCT
fsr-3442	637	3	f	f	X
fsr-3442	637	4	in	in	ADP
fsr-3442	637	5	an	an	DET
fsr-3442	637	6	ci	ci	NOUN
fsr-3442	637	7	al	al	PROPN
fsr-3442	638	1	so	so	ADV
fsr-3442	638	2	p	p	PROPN
fsr-3442	638	3	h	h	NOUN
fsr-3442	638	4	is	be	AUX
fsr-3442	638	5	ti	ti	NOUN
fsr-3442	638	6	ca	ca	NOUN
fsr-3442	638	7	ti	ti	VERB
fsr-3442	638	8	o	o	NOUN
fsr-3442	638	9	n	n	PROPN
fsr-3442	638	10	(	(	PUNCT
fsr-3442	638	11	r	r	NOUN
fsr-3442	638	12	el	el	PROPN
fsr-3442	638	13	at	at	ADP
fsr-3442	638	14	iv	iv	NUM
fsr-3442	638	15	e	e	NOUN
fsr-3442	638	16	to	to	ADP
fsr-3442	638	17	4	4	NUM
fsr-3442	638	18	1	1	NUM
fsr-3442	638	19	–	–	PUNCT
fsr-3442	638	20	6	6	NUM
fsr-3442	638	21	0	0	NUM
fsr-3442	638	22	%	%	NOUN
fsr-3442	638	23	)	)	PUNCT
fsr-3442	638	24	1	1	NUM
fsr-3442	638	25	–	–	SYM
fsr-3442	638	26	2	2	NUM
fsr-3442	638	27	0	0	NUM
fsr-3442	638	28	p	p	NOUN
fsr-3442	638	29	er	er	INTJ
fsr-3442	638	30	ce	ce	PROPN
fsr-3442	638	31	n	n	CCONJ
fsr-3442	638	32	ti	ti	X
fsr-3442	638	33	le	le	X
fsr-3442	638	34	�	�	PROPN
fsr-3442	638	35	0	0	NUM
fsr-3442	639	1	.6	.6	NUM
fsr-3442	639	2	5	5	NUM
fsr-3442	639	3	*	*	PUNCT
fsr-3442	639	4	*	*	PUNCT
fsr-3442	639	5	*	*	PUNCT
fsr-3442	639	6	�	�	PROPN
fsr-3442	639	7	0	0	NUM
fsr-3442	639	8	.3	.3	NUM
fsr-3442	639	9	2	2	NUM
fsr-3442	639	10	3	3	NUM
fsr-3442	639	11	*	*	PUNCT
fsr-3442	639	12	*	*	PUNCT
fsr-3442	639	13	*	*	PUNCT
fsr-3442	639	14	�	�	PROPN
fsr-3442	639	15	0	0	NUM
fsr-3442	639	16	.7	.7	PROPN
fsr-3442	639	17	0	0	NUM
fsr-3442	639	18	4	4	NUM
fsr-3442	639	19	*	*	PUNCT
fsr-3442	639	20	*	*	PUNCT
fsr-3442	639	21	*	*	PUNCT
fsr-3442	639	22	2	2	NUM
fsr-3442	639	23	1	1	NUM
fsr-3442	639	24	–	–	PUNCT
fsr-3442	639	25	4	4	NUM
fsr-3442	639	26	0	0	NUM
fsr-3442	639	27	p	p	NOUN
fsr-3442	639	28	er	er	INTJ
fsr-3442	639	29	ce	ce	PROPN
fsr-3442	639	30	n	n	CCONJ
fsr-3442	639	31	ti	ti	X
fsr-3442	639	32	le	le	X
fsr-3442	639	33	�	�	PROPN
fsr-3442	639	34	0	0	PROPN
fsr-3442	640	1	.2	.2	NUM
fsr-3442	640	2	3	3	NUM
fsr-3442	640	3	4	4	NUM
fsr-3442	640	4	*	*	PUNCT
fsr-3442	640	5	*	*	PUNCT
fsr-3442	640	6	*	*	PUNCT
fsr-3442	640	7	�	�	PROPN
fsr-3442	640	8	0	0	NUM
fsr-3442	640	9	.1	.1	NUM
fsr-3442	640	10	2	2	NUM
fsr-3442	640	11	2	2	NUM
fsr-3442	640	12	*	*	PUNCT
fsr-3442	640	13	*	*	PUNCT
fsr-3442	640	14	*	*	PUNCT
fsr-3442	640	15	�	�	PROPN
fsr-3442	640	16	0	0	NUM
fsr-3442	640	17	.2	.2	NUM
fsr-3442	640	18	2	2	NUM
fsr-3442	640	19	7	7	NUM
fsr-3442	640	20	*	*	PUNCT
fsr-3442	640	21	*	*	PUNCT
fsr-3442	640	22	*	*	PUNCT
fsr-3442	640	23	6	6	NUM
fsr-3442	640	24	1	1	NUM
fsr-3442	640	25	–	–	PUNCT
fsr-3442	640	26	8	8	NUM
fsr-3442	640	27	0	0	NUM
fsr-3442	640	28	p	p	NOUN
fsr-3442	640	29	er	er	INTJ
fsr-3442	640	30	ce	ce	PROPN
fsr-3442	640	31	n	n	X
fsr-3442	640	32	ti	ti	X
fsr-3442	640	33	le	le	X
fsr-3442	640	34	0	0	NUM
fsr-3442	640	35	.4	.4	NUM
fsr-3442	640	36	8	8	NUM
fsr-3442	640	37	*	*	PUNCT
fsr-3442	641	1	*	*	PUNCT
fsr-3442	642	1	*	*	PUNCT
fsr-3442	642	2	0	0	PUNCT
fsr-3442	643	1	.2	.2	NUM
fsr-3442	643	2	4	4	NUM
fsr-3442	643	3	3	3	NUM
fsr-3442	643	4	*	*	PUNCT
fsr-3442	643	5	*	*	PUNCT
fsr-3442	644	1	*	*	PUNCT
fsr-3442	644	2	0	0	NUM
fsr-3442	644	3	.7	.7	NUM
fsr-3442	644	4	7	7	NUM
fsr-3442	644	5	6	6	NUM
fsr-3442	644	6	*	*	PUNCT
fsr-3442	644	7	*	*	PUNCT
fsr-3442	644	8	*	*	PUNCT
fsr-3442	644	9	8	8	NUM
fsr-3442	644	10	1	1	NUM
fsr-3442	644	11	–	–	SYM
fsr-3442	644	12	1	1	NUM
fsr-3442	644	13	0	0	NUM
fsr-3442	644	14	0	0	NUM
fsr-3442	644	15	p	p	NOUN
fsr-3442	644	16	er	er	INTJ
fsr-3442	644	17	ce	ce	PROPN
fsr-3442	644	18	n	n	X
fsr-3442	644	19	ti	ti	X
fsr-3442	644	20	le	le	X
fsr-3442	644	21	0	0	NUM
fsr-3442	644	22	.7	.7	NUM
fsr-3442	644	23	8	8	NUM
fsr-3442	645	1	*	*	PUNCT
fsr-3442	646	1	*	*	PUNCT
fsr-3442	647	1	*	*	PUNCT
fsr-3442	647	2	0	0	NUM
fsr-3442	647	3	.3	.3	NUM
fsr-3442	647	4	6	6	NUM
fsr-3442	647	5	9	9	NUM
fsr-3442	647	6	*	*	PUNCT
fsr-3442	648	1	*	*	PUNCT
fsr-3442	648	2	*	*	PUNCT
fsr-3442	648	3	1	1	NUM
fsr-3442	648	4	.0	.0	NUM
fsr-3442	648	5	8	8	NUM
fsr-3442	648	6	1	1	NUM
fsr-3442	648	7	*	*	PUNCT
fsr-3442	648	8	*	*	PUNCT
fsr-3442	649	1	*	*	PUNCT
fsr-3442	649	2	h	h	NOUN
fsr-3442	650	1	o	o	NOUN
fsr-3442	650	2	m	m	VERB
fsr-3442	650	3	eo	eo	INTJ
fsr-3442	650	4	w	w	PROPN
fsr-3442	650	5	n	n	ADV
fsr-3442	650	6	er	er	INTJ
fsr-3442	650	7	sh	sh	INTJ
fsr-3442	650	8	ip	ip	PROPN
fsr-3442	650	9	�	�	PROPN
fsr-3442	650	10	0	0	NUM
fsr-3442	650	11	.3	.3	NUM
fsr-3442	650	12	2	2	NUM
fsr-3442	650	13	*	*	PUNCT
fsr-3442	650	14	*	*	PUNCT
fsr-3442	650	15	*	*	PUNCT
fsr-3442	650	16	�	�	PROPN
fsr-3442	650	17	0	0	NUM
fsr-3442	650	18	.1	.1	NUM
fsr-3442	650	19	0	0	NUM
fsr-3442	650	20	5	5	NUM
fsr-3442	651	1	*	*	PUNCT
fsr-3442	651	2	*	*	PUNCT
fsr-3442	651	3	*	*	PUNCT
fsr-3442	651	4	�	�	PROPN
fsr-3442	651	5	0	0	NUM
fsr-3442	651	6	.1	.1	NUM
fsr-3442	651	7	2	2	NUM
fsr-3442	651	8	7	7	NUM
fsr-3442	651	9	*	*	PUNCT
fsr-3442	652	1	*	*	PUNCT
fsr-3442	652	2	*	*	PUNCT
fsr-3442	652	3	g	g	NOUN
fsr-3442	652	4	en	en	INTJ
fsr-3442	652	5	er	er	INTJ
fsr-3442	652	6	al	al	PROPN
fsr-3442	652	7	h	h	NOUN
fsr-3442	653	1	o	o	X
fsr-3442	653	2	u	u	X
fsr-3442	653	3	se	se	PROPN
fsr-3442	653	4	h	h	PROPN
fsr-3442	654	1	o	o	INTJ
fsr-3442	654	2	ld	ld	INTJ
fsr-3442	654	3	ca	ca	NOUN
fsr-3442	654	4	p	p	PROPN
fsr-3442	655	1	it	it	PRON
fsr-3442	655	2	al	al	PROPN
fsr-3442	655	3	a	a	DET
fsr-3442	655	4	g	g	PROPN
fsr-3442	655	5	e	e	NOUN
fsr-3442	655	6	(	(	PUNCT
fsr-3442	655	7	r	r	NOUN
fsr-3442	655	8	el	el	PROPN
fsr-3442	655	9	at	at	ADP
fsr-3442	655	10	iv	iv	NUM
fsr-3442	655	11	e	e	NOUN
fsr-3442	655	12	to	to	ADP
fsr-3442	655	13	3	3	NUM
fsr-3442	655	14	5	5	NUM
fsr-3442	655	15	–	–	PUNCT
fsr-3442	655	16	4	4	NUM
fsr-3442	655	17	9	9	NUM
fsr-3442	655	18	y	y	SYM
fsr-3442	655	19	ea	ea	NOUN
fsr-3442	655	20	rs	rs	INTJ
fsr-3442	655	21	o	o	PROPN
fsr-3442	655	22	ld	ld	PROPN
fsr-3442	655	23	)	)	PUNCT
fsr-3442	655	24	1	1	NUM
fsr-3442	655	25	8	8	NUM
fsr-3442	655	26	–	–	PUNCT
fsr-3442	655	27	3	3	NUM
fsr-3442	655	28	4	4	NUM
fsr-3442	655	29	0	0	NUM
fsr-3442	655	30	.5	.5	NUM
fsr-3442	655	31	1	1	NUM
fsr-3442	656	1	*	*	PUNCT
fsr-3442	657	1	*	*	PUNCT
fsr-3442	658	1	*	*	PUNCT
fsr-3442	658	2	0	0	PUNCT
fsr-3442	659	1	.2	.2	NUM
fsr-3442	659	2	3	3	NUM
fsr-3442	659	3	2	2	NUM
fsr-3442	659	4	*	*	PUNCT
fsr-3442	659	5	*	*	PUNCT
fsr-3442	660	1	*	*	PUNCT
fsr-3442	660	2	0	0	NUM
fsr-3442	661	1	.6	.6	NUM
fsr-3442	661	2	0	0	NUM
fsr-3442	661	3	8	8	NUM
fsr-3442	661	4	*	*	PUNCT
fsr-3442	661	5	*	*	PUNCT
fsr-3442	661	6	*	*	PUNCT
fsr-3442	661	7	5	5	NUM
fsr-3442	661	8	0	0	NUM
fsr-3442	661	9	–	–	PUNCT
fsr-3442	661	10	6	6	NUM
fsr-3442	661	11	4	4	NUM
fsr-3442	661	12	�	�	NOUN
fsr-3442	661	13	0	0	NUM
fsr-3442	661	14	.1	.1	NUM
fsr-3442	661	15	8	8	NUM
fsr-3442	661	16	6	6	NUM
fsr-3442	661	17	*	*	PUNCT
fsr-3442	661	18	*	*	PUNCT
fsr-3442	661	19	*	*	PUNCT
fsr-3442	661	20	�	�	PROPN
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fsr-3442	661	22	.0	.0	NUM
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fsr-3442	661	24	8	8	NUM
fsr-3442	661	25	*	*	PUNCT
fsr-3442	661	26	*	*	PUNCT
fsr-3442	661	27	*	*	PUNCT
fsr-3442	661	28	�	�	PROPN
fsr-3442	661	29	0	0	NUM
fsr-3442	661	30	.0	.0	NUM
fsr-3442	661	31	4	4	NUM
fsr-3442	661	32	4	4	NUM
fsr-3442	661	33	6	6	NUM
fsr-3442	661	34	5	5	NUM
fsr-3442	661	35	an	an	DET
fsr-3442	661	36	d	d	X
fsr-3442	661	37	o	o	X
fsr-3442	661	38	v	v	INTJ
fsr-3442	661	39	er	er	INTJ
fsr-3442	661	40	0	0	NUM
fsr-3442	661	41	.0	.0	NUM
fsr-3442	661	42	1	1	NUM
fsr-3442	661	43	7	7	NUM
fsr-3442	661	44	0	0	NUM
fsr-3442	661	45	.1	.1	NUM
fsr-3442	661	46	0	0	NUM
fsr-3442	661	47	7	7	NUM
fsr-3442	661	48	*	*	PUNCT
fsr-3442	661	49	*	*	PUNCT
fsr-3442	662	1	*	*	PUNCT
fsr-3442	662	2	0	0	PUNCT
fsr-3442	663	1	.2	.2	NUM
fsr-3442	663	2	6	6	NUM
fsr-3442	663	3	9	9	NUM
fsr-3442	663	4	*	*	PUNCT
fsr-3442	663	5	*	*	PUNCT
fsr-3442	663	6	*	*	PUNCT
fsr-3442	663	7	e	e	X
fsr-3442	663	8	d	d	X
fsr-3442	663	9	u	u	PRON
fsr-3442	663	10	ca	can	AUX
fsr-3442	663	11	ti	ti	NOUN
fsr-3442	663	12	o	o	NOUN
fsr-3442	663	13	n	n	ADV
fsr-3442	663	14	le	le	X
fsr-3442	663	15	v	v	PROPN
fsr-3442	663	16	el	el	PROPN
fsr-3442	663	17	(	(	PUNCT
fsr-3442	663	18	r	r	PROPN
fsr-3442	663	19	el	el	PROPN
fsr-3442	663	20	at	at	ADP
fsr-3442	663	21	iv	iv	NUM
fsr-3442	663	22	e	e	NOUN
fsr-3442	663	23	to	to	ADP
fsr-3442	663	24	h	h	NOUN
fsr-3442	663	25	ig	ig	PROPN
fsr-3442	663	26	h	h	PROPN
fsr-3442	663	27	sc	sc	NOUN
fsr-3442	664	1	h	h	NOUN
fsr-3442	664	2	o	o	NOUN
fsr-3442	664	3	o	o	NOUN
fsr-3442	664	4	l/	l/	NOUN
fsr-3442	664	5	g	g	PROPN
fsr-3442	664	6	e	e	PROPN
fsr-3442	664	7	d	d	PROPN
fsr-3442	664	8	)	)	PUNCT
fsr-3442	664	9	l	l	NOUN
fsr-3442	664	10	es	es	X
fsr-3442	664	11	s	s	VERB
fsr-3442	664	12	th	th	X
fsr-3442	664	13	an	an	DET
fsr-3442	664	14	h	h	NOUN
fsr-3442	665	1	ig	ig	PROPN
fsr-3442	665	2	h	h	NOUN
fsr-3442	665	3	sc	sc	NOUN
fsr-3442	666	1	h	h	NOUN
fsr-3442	667	1	o	o	NOUN
fsr-3442	667	2	o	o	X
fsr-3442	667	3	l	l	X
fsr-3442	667	4	�	�	PROPN
fsr-3442	667	5	0	0	NUM
fsr-3442	667	6	.0	.0	NUM
fsr-3442	667	7	3	3	NUM
fsr-3442	667	8	4	4	NUM
fsr-3442	667	9	�	�	NOUN
fsr-3442	667	10	0	0	NUM
fsr-3442	667	11	.0	.0	NUM
fsr-3442	667	12	2	2	NUM
fsr-3442	667	13	2	2	NUM
fsr-3442	667	14	�	�	NOUN
fsr-3442	667	15	0	0	NUM
fsr-3442	667	16	.3	.3	NUM
fsr-3442	667	17	0	0	NUM
fsr-3442	667	18	7	7	NUM
fsr-3442	668	1	*	*	PUNCT
fsr-3442	669	1	*	*	PUNCT
fsr-3442	669	2	*	*	PUNCT
fsr-3442	669	3	s	s	X
fsr-3442	669	4	o	o	X
fsr-3442	669	5	m	m	VERB
fsr-3442	669	6	e	e	NOUN
fsr-3442	669	7	co	co	NOUN
fsr-3442	669	8	ll	ll	AUX
fsr-3442	669	9	eg	eg	VERB
fsr-3442	669	10	e	e	PROPN
fsr-3442	669	11	0	0	PROPN
fsr-3442	669	12	.0	.0	NUM
fsr-3442	669	13	4	4	NUM
fsr-3442	669	14	8	8	NUM
fsr-3442	669	15	*	*	SYM
fsr-3442	669	16	0	0	NUM
fsr-3442	670	1	.0	.0	NUM
fsr-3442	670	2	3	3	NUM
fsr-3442	670	3	1	1	NUM
fsr-3442	670	4	*	*	PUNCT
fsr-3442	670	5	*	*	PUNCT
fsr-3442	670	6	0	0	NUM
fsr-3442	671	1	.0	.0	NUM
fsr-3442	671	2	2	2	NUM
fsr-3442	671	3	4	4	NUM
fsr-3442	671	4	b	b	NUM
fsr-3442	671	5	ac	ac	PROPN
fsr-3442	671	6	h	h	PROPN
fsr-3442	672	1	el	el	PROPN
fsr-3442	672	2	o	o	INTJ
fsr-3442	673	1	rs	rs	INTJ
fsr-3442	673	2	o	o	NOUN
fsr-3442	673	3	r	r	NOUN
fsr-3442	673	4	h	h	NOUN
fsr-3442	674	1	ig	ig	INTJ
fsr-3442	675	1	h	h	NOUN
fsr-3442	676	1	er	er	INTJ
fsr-3442	676	2	0	0	NUM
fsr-3442	677	1	.2	.2	NUM
fsr-3442	677	2	8	8	NUM
fsr-3442	677	3	6	6	NUM
fsr-3442	677	4	*	*	PUNCT
fsr-3442	678	1	*	*	PUNCT
fsr-3442	678	2	*	*	PUNCT
fsr-3442	678	3	0	0	NUM
fsr-3442	678	4	.1	.1	NUM
fsr-3442	678	5	5	5	NUM
fsr-3442	678	6	6	6	NUM
fsr-3442	678	7	*	*	PUNCT
fsr-3442	679	1	*	*	PUNCT
fsr-3442	679	2	*	*	PUNCT
fsr-3442	679	3	0	0	NUM
fsr-3442	680	1	.3	.3	NUM
fsr-3442	680	2	2	2	NUM
fsr-3442	680	3	2	2	NUM
fsr-3442	680	4	*	*	PUNCT
fsr-3442	680	5	*	*	PUNCT
fsr-3442	680	6	*	*	PUNCT
fsr-3442	680	7	m	m	PROPN
fsr-3442	680	8	ar	ar	PROPN
fsr-3442	680	9	ri	ri	PROPN
fsr-3442	680	10	ed	ed	NOUN
fsr-3442	680	11	0	0	NUM
fsr-3442	680	12	.0	.0	NUM
fsr-3442	680	13	5	5	NUM
fsr-3442	680	14	7	7	NUM
fsr-3442	680	15	*	*	SYM
fsr-3442	680	16	0	0	NUM
fsr-3442	680	17	.0	.0	NUM
fsr-3442	680	18	5	5	NUM
fsr-3442	680	19	2	2	NUM
fsr-3442	680	20	*	*	PUNCT
fsr-3442	681	1	*	*	PUNCT
fsr-3442	681	2	*	*	PUNCT
fsr-3442	681	3	0	0	NUM
fsr-3442	681	4	.1	.1	NUM
fsr-3442	681	5	5	5	NUM
fsr-3442	681	6	6	6	NUM
fsr-3442	681	7	*	*	PUNCT
fsr-3442	682	1	*	*	PUNCT
fsr-3442	682	2	*	*	PUNCT
fsr-3442	682	3	f	f	X
fsr-3442	682	4	in	in	ADP
fsr-3442	682	5	an	an	DET
fsr-3442	682	6	ci	ci	PROPN
fsr-3442	682	7	al	al	PROPN
fsr-3442	682	8	re	re	PROPN
fsr-3442	682	9	so	so	ADV
fsr-3442	682	10	u	u	X
fsr-3442	682	11	rc	rc	PROPN
fsr-3442	682	12	es	es	X
fsr-3442	682	13	in	in	ADP
fsr-3442	682	14	co	co	NOUN
fsr-3442	682	15	m	m	PROPN
fsr-3442	682	16	e	e	NOUN
fsr-3442	682	17	(	(	PUNCT
fsr-3442	682	18	r	r	NOUN
fsr-3442	682	19	el	el	PROPN
fsr-3442	682	20	at	at	ADP
fsr-3442	682	21	iv	iv	NUM
fsr-3442	682	22	e	e	NOUN
fsr-3442	682	23	to	to	ADP
fsr-3442	682	24	0	0	NUM
fsr-3442	682	25	to	to	ADP
fsr-3442	682	26	2	2	NUM
fsr-3442	682	27	0	0	NUM
fsr-3442	683	1	p	p	NOUN
fsr-3442	683	2	er	er	INTJ
fsr-3442	683	3	ce	ce	PROPN
fsr-3442	683	4	n	n	CCONJ
fsr-3442	683	5	ti	ti	X
fsr-3442	683	6	le	le	X
fsr-3442	683	7	)	)	PUNCT
fsr-3442	683	8	2	2	NUM
fsr-3442	683	9	1	1	NUM
fsr-3442	683	10	–	–	PUNCT
fsr-3442	683	11	4	4	NUM
fsr-3442	683	12	0	0	NUM
fsr-3442	684	1	p	p	NOUN
fsr-3442	684	2	er	er	INTJ
fsr-3442	684	3	ce	ce	PROPN
fsr-3442	684	4	n	n	X
fsr-3442	684	5	ti	ti	X
fsr-3442	684	6	le	le	X
fsr-3442	684	7	0	0	NUM
fsr-3442	685	1	.1	.1	NUM
fsr-3442	685	2	0	0	NUM
fsr-3442	685	3	4	4	NUM
fsr-3442	685	4	*	*	PUNCT
fsr-3442	686	1	*	*	PUNCT
fsr-3442	687	1	*	*	PUNCT
fsr-3442	687	2	0	0	NUM
fsr-3442	688	1	.0	.0	NUM
fsr-3442	688	2	5	5	NUM
fsr-3442	688	3	5	5	NUM
fsr-3442	688	4	*	*	PUNCT
fsr-3442	689	1	*	*	PUNCT
fsr-3442	689	2	*	*	PUNCT
fsr-3442	689	3	0	0	NUM
fsr-3442	689	4	.1	.1	NUM
fsr-3442	689	5	4	4	NUM
fsr-3442	689	6	1	1	NUM
fsr-3442	689	7	*	*	PUNCT
fsr-3442	690	1	*	*	PUNCT
fsr-3442	690	2	*	*	PUNCT
fsr-3442	690	3	4	4	NUM
fsr-3442	690	4	1	1	NUM
fsr-3442	690	5	–	–	PUNCT
fsr-3442	690	6	6	6	NUM
fsr-3442	690	7	0	0	NUM
fsr-3442	691	1	p	p	NOUN
fsr-3442	691	2	er	er	INTJ
fsr-3442	691	3	ce	ce	PROPN
fsr-3442	691	4	n	n	X
fsr-3442	691	5	ti	ti	X
fsr-3442	691	6	le	le	X
fsr-3442	691	7	0	0	NUM
fsr-3442	691	8	.3	.3	NUM
fsr-3442	691	9	6	6	NUM
fsr-3442	691	10	8	8	NUM
fsr-3442	691	11	*	*	PUNCT
fsr-3442	692	1	*	*	PUNCT
fsr-3442	693	1	*	*	PUNCT
fsr-3442	693	2	0	0	NUM
fsr-3442	693	3	.1	.1	NUM
fsr-3442	693	4	9	9	NUM
fsr-3442	693	5	2	2	NUM
fsr-3442	693	6	*	*	PUNCT
fsr-3442	693	7	*	*	PUNCT
fsr-3442	694	1	*	*	PUNCT
fsr-3442	694	2	0	0	NUM
fsr-3442	694	3	.5	.5	NUM
fsr-3442	694	4	2	2	NUM
fsr-3442	694	5	3	3	NUM
fsr-3442	694	6	*	*	PUNCT
fsr-3442	694	7	*	*	PUNCT
fsr-3442	695	1	*	*	PUNCT
fsr-3442	695	2	6	6	NUM
fsr-3442	695	3	1	1	NUM
fsr-3442	695	4	–	–	PUNCT
fsr-3442	695	5	8	8	NUM
fsr-3442	695	6	0	0	NUM
fsr-3442	696	1	p	p	NOUN
fsr-3442	696	2	er	er	INTJ
fsr-3442	696	3	ce	ce	PROPN
fsr-3442	696	4	n	n	X
fsr-3442	696	5	ti	ti	X
fsr-3442	696	6	le	le	X
fsr-3442	696	7	0	0	NUM
fsr-3442	696	8	.8	.8	NUM
fsr-3442	696	9	3	3	NUM
fsr-3442	696	10	8	8	NUM
fsr-3442	696	11	*	*	PUNCT
fsr-3442	697	1	*	*	PUNCT
fsr-3442	698	1	*	*	PUNCT
fsr-3442	698	2	0	0	NUM
fsr-3442	699	1	.4	.4	NUM
fsr-3442	699	2	1	1	NUM
fsr-3442	699	3	8	8	NUM
fsr-3442	699	4	*	*	PUNCT
fsr-3442	700	1	*	*	PUNCT
fsr-3442	700	2	*	*	PUNCT
fsr-3442	700	3	1	1	NUM
fsr-3442	700	4	.0	.0	NUM
fsr-3442	700	5	1	1	NUM
fsr-3442	700	6	5	5	NUM
fsr-3442	700	7	*	*	PUNCT
fsr-3442	700	8	*	*	PUNCT
fsr-3442	701	1	*	*	PUNCT
fsr-3442	701	2	8	8	NUM
fsr-3442	701	3	1	1	NUM
fsr-3442	701	4	–	–	SYM
fsr-3442	701	5	1	1	NUM
fsr-3442	701	6	0	0	NUM
fsr-3442	701	7	0	0	NUM
fsr-3442	702	1	p	p	NOUN
fsr-3442	702	2	er	er	INTJ
fsr-3442	702	3	ce	ce	PROPN
fsr-3442	702	4	n	n	CCONJ
fsr-3442	702	5	ti	ti	X
fsr-3442	702	6	le	le	X
fsr-3442	702	7	1	1	NUM
fsr-3442	702	8	.2	.2	NUM
fsr-3442	702	9	8	8	NUM
fsr-3442	702	10	8	8	NUM
fsr-3442	702	11	*	*	PUNCT
fsr-3442	703	1	*	*	PUNCT
fsr-3442	704	1	*	*	PUNCT
fsr-3442	704	2	0	0	NUM
fsr-3442	705	1	.6	.6	NUM
fsr-3442	705	2	0	0	NUM
fsr-3442	705	3	5	5	NUM
fsr-3442	705	4	*	*	PUNCT
fsr-3442	705	5	*	*	PUNCT
fsr-3442	705	6	*	*	PUNCT
fsr-3442	705	7	1	1	NUM
fsr-3442	705	8	.7	.7	NUM
fsr-3442	705	9	9	9	NUM
fsr-3442	705	10	7	7	NUM
fsr-3442	705	11	*	*	PUNCT
fsr-3442	705	12	*	*	PUNCT
fsr-3442	705	13	*	*	PUNCT
fsr-3442	705	14	n	n	X
fsr-3442	705	15	et	et	NOUN
fsr-3442	705	16	w	w	NOUN
fsr-3442	705	17	o	o	X
fsr-3442	705	18	rt	rt	PROPN
fsr-3442	705	19	h	h	NOUN
fsr-3442	705	20	(	(	PUNCT
fsr-3442	705	21	r	r	NOUN
fsr-3442	705	22	el	el	PROPN
fsr-3442	705	23	at	at	ADP
fsr-3442	705	24	iv	iv	NUM
fsr-3442	705	25	e	e	NOUN
fsr-3442	705	26	to	to	ADP
fsr-3442	705	27	0	0	NUM
fsr-3442	705	28	to	to	ADP
fsr-3442	705	29	2	2	NUM
fsr-3442	705	30	0	0	NUM
fsr-3442	705	31	p	p	NOUN
fsr-3442	705	32	er	er	INTJ
fsr-3442	705	33	ce	ce	PROPN
fsr-3442	705	34	n	n	CCONJ
fsr-3442	705	35	ti	ti	X
fsr-3442	705	36	le	le	X
fsr-3442	705	37	)	)	PUNCT
fsr-3442	705	38	2	2	NUM
fsr-3442	705	39	1	1	NUM
fsr-3442	705	40	–	–	PUNCT
fsr-3442	705	41	4	4	NUM
fsr-3442	705	42	0	0	NUM
fsr-3442	705	43	p	p	NOUN
fsr-3442	705	44	er	er	INTJ
fsr-3442	705	45	ce	ce	PROPN
fsr-3442	705	46	n	n	X
fsr-3442	705	47	ti	ti	X
fsr-3442	705	48	le	le	X
fsr-3442	705	49	0	0	NUM
fsr-3442	705	50	.7	.7	NUM
fsr-3442	705	51	5	5	NUM
fsr-3442	705	52	1	1	NUM
fsr-3442	705	53	*	*	PUNCT
fsr-3442	705	54	*	*	PUNCT
fsr-3442	706	1	*	*	PUNCT
fsr-3442	706	2	0	0	NUM
fsr-3442	706	3	.3	.3	NUM
fsr-3442	706	4	8	8	NUM
fsr-3442	706	5	4	4	NUM
fsr-3442	706	6	*	*	PUNCT
fsr-3442	707	1	*	*	PUNCT
fsr-3442	707	2	*	*	PUNCT
fsr-3442	707	3	0	0	NUM
fsr-3442	707	4	.8	.8	NUM
fsr-3442	707	5	1	1	NUM
fsr-3442	707	6	7	7	NUM
fsr-3442	707	7	*	*	PUNCT
fsr-3442	708	1	*	*	PUNCT
fsr-3442	708	2	*	*	PUNCT
fsr-3442	708	3	4	4	NUM
fsr-3442	708	4	1	1	NUM
fsr-3442	708	5	–	–	PUNCT
fsr-3442	708	6	6	6	NUM
fsr-3442	708	7	0	0	NUM
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fsr-3442	709	2	er	er	INTJ
fsr-3442	709	3	ce	ce	PROPN
fsr-3442	709	4	n	n	CCONJ
fsr-3442	709	5	ti	ti	X
fsr-3442	709	6	le	le	X
fsr-3442	709	7	1	1	NUM
fsr-3442	709	8	.4	.4	NUM
fsr-3442	709	9	2	2	NUM
fsr-3442	709	10	7	7	NUM
fsr-3442	709	11	*	*	PUNCT
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fsr-3442	710	2	*	*	PUNCT
fsr-3442	710	3	0	0	NUM
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fsr-3442	711	2	0	0	NUM
fsr-3442	711	3	6	6	NUM
fsr-3442	711	4	*	*	PUNCT
fsr-3442	712	1	*	*	PUNCT
fsr-3442	712	2	*	*	PUNCT
fsr-3442	712	3	1	1	NUM
fsr-3442	712	4	.4	.4	NUM
fsr-3442	712	5	3	3	NUM
fsr-3442	712	6	3	3	NUM
fsr-3442	712	7	*	*	PUNCT
fsr-3442	713	1	*	*	PUNCT
fsr-3442	713	2	*	*	PUNCT
fsr-3442	713	3	6	6	NUM
fsr-3442	713	4	1	1	NUM
fsr-3442	713	5	–	–	PUNCT
fsr-3442	713	6	8	8	NUM
fsr-3442	713	7	0	0	NUM
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fsr-3442	714	2	er	er	INTJ
fsr-3442	714	3	ce	ce	PROPN
fsr-3442	714	4	n	n	CCONJ
fsr-3442	714	5	ti	ti	X
fsr-3442	714	6	le	le	X
fsr-3442	714	7	1	1	NUM
fsr-3442	714	8	.8	.8	NUM
fsr-3442	714	9	4	4	NUM
fsr-3442	714	10	3	3	NUM
fsr-3442	714	11	*	*	PUNCT
fsr-3442	714	12	*	*	PUNCT
fsr-3442	715	1	*	*	PUNCT
fsr-3442	715	2	0	0	NUM
fsr-3442	715	3	.8	.8	NUM
fsr-3442	715	4	8	8	NUM
fsr-3442	715	5	9	9	NUM
fsr-3442	715	6	*	*	PUNCT
fsr-3442	716	1	*	*	PUNCT
fsr-3442	716	2	*	*	PUNCT
fsr-3442	716	3	1	1	NUM
fsr-3442	716	4	.9	.9	NUM
fsr-3442	716	5	2	2	NUM
fsr-3442	716	6	9	9	NUM
fsr-3442	716	7	*	*	PUNCT
fsr-3442	716	8	*	*	PUNCT
fsr-3442	716	9	*	*	PUNCT
fsr-3442	716	10	8	8	NUM
fsr-3442	716	11	1	1	NUM
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fsr-3442	716	13	1	1	NUM
fsr-3442	716	14	0	0	NUM
fsr-3442	716	15	0	0	NUM
fsr-3442	717	1	p	p	NOUN
fsr-3442	717	2	er	er	INTJ
fsr-3442	717	3	ce	ce	PROPN
fsr-3442	717	4	n	n	CCONJ
fsr-3442	717	5	ti	ti	X
fsr-3442	717	6	le	le	X
fsr-3442	717	7	1	1	NUM
fsr-3442	717	8	.7	.7	NUM
fsr-3442	717	9	5	5	NUM
fsr-3442	717	10	7	7	NUM
fsr-3442	717	11	*	*	PUNCT
fsr-3442	718	1	*	*	PUNCT
fsr-3442	718	2	*	*	PUNCT
fsr-3442	718	3	0	0	NUM
fsr-3442	718	4	.8	.8	NUM
fsr-3442	718	5	0	0	NUM
fsr-3442	718	6	2	2	NUM
fsr-3442	719	1	*	*	PUNCT
fsr-3442	719	2	*	*	PUNCT
fsr-3442	719	3	*	*	PUNCT
fsr-3442	719	4	2	2	NUM
fsr-3442	719	5	.0	.0	NUM
fsr-3442	719	6	2	2	NUM
fsr-3442	719	7	3	3	NUM
fsr-3442	719	8	*	*	PUNCT
fsr-3442	719	9	*	*	PUNCT
fsr-3442	719	10	*	*	PUNCT
fsr-3442	719	11	(	(	PUNCT
fsr-3442	719	12	c	c	NOUN
fsr-3442	719	13	o	o	NOUN
fsr-3442	719	14	n	n	CCONJ
fsr-3442	719	15	ti	ti	NOUN
fsr-3442	719	16	n	n	CCONJ
fsr-3442	719	17	u	u	NOUN
fsr-3442	719	18	ed	ed	NOUN
fsr-3442	719	19	o	o	PROPN
fsr-3442	719	20	n	n	CCONJ
fsr-3442	719	21	n	n	NOUN
fsr-3442	719	22	ex	ex	ADJ
fsr-3442	719	23	t	t	NOUN
fsr-3442	719	24	p	p	X
fsr-3442	719	25	a	a	DET
fsr-3442	719	26	g	g	NOUN
fsr-3442	719	27	e	e	NOUN
fsr-3442	719	28	)	)	PUNCT
fsr-3442	719	29	q.	q.	PROPN
fsr-3442	719	30	bi	bi	PROPN
fsr-3442	719	31	et	et	PROPN
fsr-3442	719	32	al	al	PROPN
fsr-3442	719	33	.	.	PUNCT
fsr-3442	719	34	/	/	SYM
fsr-3442	719	35	financial	financial	ADJ
fsr-3442	719	36	services	service	NOUN
fsr-3442	719	37	review	review	VERB
fsr-3442	719	38	29	29	NUM
fsr-3442	719	39	(	(	PUNCT
fsr-3442	719	40	2021	2021	NUM
fsr-3442	719	41	)	)	PUNCT
fsr-3442	719	42	29–54	29–54	NUM
fsr-3442	719	43	47	47	NUM
fsr-3442	719	44	t	t	PROPN
fsr-3442	719	45	ab	ab	PROPN
fsr-3442	719	46	le	le	X
fsr-3442	719	47	4	4	NUM
fsr-3442	719	48	(	(	PUNCT
fsr-3442	719	49	c	c	NOUN
fsr-3442	719	50	o	o	NOUN
fsr-3442	719	51	n	n	CCONJ
fsr-3442	719	52	ti	ti	NOUN
fsr-3442	719	53	n	n	CCONJ
fsr-3442	719	54	u	u	NOUN
fsr-3442	719	55	ed	ed	PROPN
fsr-3442	719	56	)	)	PUNCT
fsr-3442	719	57	v	v	PROPN
fsr-3442	719	58	ar	ar	PROPN
fsr-3442	719	59	ia	ia	PROPN
fsr-3442	719	60	b	b	PROPN
fsr-3442	719	61	le	le	PROPN
fsr-3442	719	62	s	s	PROPN
fsr-3442	719	63	n	n	PRON
fsr-3442	719	64	u	u	NOUN
fsr-3442	719	65	m	m	NOUN
fsr-3442	719	66	b	b	NOUN
fsr-3442	719	67	er	er	INTJ
fsr-3442	719	68	o	o	X
fsr-3442	719	69	f	f	X
fsr-3442	720	1	p	p	X
fsr-3442	720	2	o	o	X
fsr-3442	720	3	si	si	X
fsr-3442	720	4	ti	ti	X
fsr-3442	720	5	v	v	NOUN
fsr-3442	720	6	e	e	PROPN
fsr-3442	720	7	fi	fi	NOUN
fsr-3442	720	8	n	n	CCONJ
fsr-3442	720	9	an	an	DET
fsr-3442	720	10	ci	ci	PROPN
fsr-3442	720	11	al	al	PROPN
fsr-3442	720	12	b	b	PROPN
fsr-3442	720	13	eh	eh	INTJ
fsr-3442	720	14	av	av	PROPN
fsr-3442	720	15	io	io	X
fsr-3442	720	16	rs	rs	X
fsr-3442	720	17	(	(	PUNCT
fsr-3442	720	18	1	1	X
fsr-3442	720	19	)	)	PUNCT
fsr-3442	721	1	p	p	NOUN
fsr-3442	721	2	ri	ri	PROPN
fsr-3442	721	3	n	n	CCONJ
fsr-3442	721	4	ci	ci	PROPN
fsr-3442	722	1	p	p	X
fsr-3442	722	2	le	le	X
fsr-3442	722	3	c	c	X
fsr-3442	722	4	o	o	NOUN
fsr-3442	722	5	m	m	VERB
fsr-3442	722	6	p	p	X
fsr-3442	722	7	o	o	X
fsr-3442	722	8	n	n	CCONJ
fsr-3442	722	9	en	en	ADP
fsr-3442	722	10	t	t	PROPN
fsr-3442	722	11	in	in	ADP
fsr-3442	722	12	d	d	PROPN
fsr-3442	722	13	ex	ex	X
fsr-3442	722	14	(	(	PUNCT
fsr-3442	722	15	2	2	NUM
fsr-3442	722	16	)	)	PUNCT
fsr-3442	722	17	a	a	DET
fsr-3442	722	18	b	b	NOUN
fsr-3442	722	19	o	o	X
fsr-3442	722	20	v	v	PROPN
fsr-3442	722	21	eav	eav	PROPN
fsr-3442	722	22	er	er	INTJ
fsr-3442	722	23	ag	ag	PROPN
fsr-3442	722	24	e	e	PROPN
fsr-3442	722	25	p	p	NOUN
fsr-3442	722	26	o	o	X
fsr-3442	722	27	si	si	X
fsr-3442	722	28	ti	ti	X
fsr-3442	722	29	v	v	ADP
fsr-3442	722	30	e	e	PROPN
fsr-3442	722	31	b	b	PROPN
fsr-3442	722	32	eh	eh	INTJ
fsr-3442	722	33	av	av	PROPN
fsr-3442	722	34	io	io	PROPN
fsr-3442	722	35	r	r	X
fsr-3442	722	36	(	(	PUNCT
fsr-3442	722	37	3	3	NUM
fsr-3442	722	38	)	)	PUNCT
fsr-3442	723	1	h	h	NOUN
fsr-3442	724	1	o	o	X
fsr-3442	724	2	u	u	INTJ
fsr-3442	724	3	se	se	PROPN
fsr-3442	724	4	h	h	PROPN
fsr-3442	724	5	o	o	INTJ
fsr-3442	724	6	ld	ld	INTJ
fsr-3442	724	7	si	si	PROPN
fsr-3442	724	8	ze	ze	PROPN
fsr-3442	724	9	(	(	PUNCT
fsr-3442	724	10	r	r	PROPN
fsr-3442	724	11	el	el	PROPN
fsr-3442	724	12	at	at	ADP
fsr-3442	724	13	iv	iv	NUM
fsr-3442	724	14	e	e	NOUN
fsr-3442	724	15	to	to	ADP
fsr-3442	724	16	tw	tw	PRON
fsr-3442	724	17	o	o	NOUN
fsr-3442	724	18	p	p	X
fsr-3442	724	19	er	er	INTJ
fsr-3442	724	20	so	so	ADV
fsr-3442	724	21	n	n	ADJ
fsr-3442	724	22	)	)	PUNCT
fsr-3442	724	23	o	o	NOUN
fsr-3442	725	1	n	n	PRON
fsr-3442	725	2	e	e	NOUN
fsr-3442	725	3	p	p	NOUN
fsr-3442	726	1	er	er	INTJ
fsr-3442	727	1	so	so	ADV
fsr-3442	727	2	n	n	ADV
fsr-3442	727	3	0	0	NUM
fsr-3442	728	1	.4	.4	NUM
fsr-3442	728	2	8	8	NUM
fsr-3442	728	3	4	4	NUM
fsr-3442	728	4	*	*	PUNCT
fsr-3442	729	1	*	*	PUNCT
fsr-3442	730	1	*	*	PUNCT
fsr-3442	730	2	0	0	PUNCT
fsr-3442	731	1	.2	.2	NUM
fsr-3442	731	2	8	8	NUM
fsr-3442	731	3	4	4	NUM
fsr-3442	731	4	*	*	PUNCT
fsr-3442	731	5	*	*	PUNCT
fsr-3442	732	1	*	*	PUNCT
fsr-3442	732	2	0	0	NUM
fsr-3442	733	1	.6	.6	NUM
fsr-3442	733	2	1	1	NUM
fsr-3442	733	3	6	6	NUM
fsr-3442	733	4	*	*	PUNCT
fsr-3442	733	5	*	*	PUNCT
fsr-3442	733	6	*	*	PUNCT
fsr-3442	733	7	t	t	X
fsr-3442	733	8	h	h	NOUN
fsr-3442	733	9	re	re	VERB
fsr-3442	733	10	e	e	X
fsr-3442	733	11	o	o	NOUN
fsr-3442	733	12	r	r	NOUN
fsr-3442	733	13	m	m	VERB
fsr-3442	733	14	o	o	NOUN
fsr-3442	733	15	re	re	X
fsr-3442	733	16	�	�	PROPN
fsr-3442	733	17	0	0	NUM
fsr-3442	733	18	.1	.1	NUM
fsr-3442	733	19	3	3	NUM
fsr-3442	733	20	5	5	NUM
fsr-3442	733	21	*	*	PUNCT
fsr-3442	733	22	*	*	PUNCT
fsr-3442	733	23	*	*	PUNCT
fsr-3442	733	24	�	�	PROPN
fsr-3442	733	25	0	0	NUM
fsr-3442	733	26	.0	.0	NUM
fsr-3442	733	27	7	7	NUM
fsr-3442	733	28	3	3	NUM
fsr-3442	733	29	*	*	PUNCT
fsr-3442	733	30	*	*	PUNCT
fsr-3442	733	31	*	*	PUNCT
fsr-3442	733	32	�	�	PROPN
fsr-3442	733	33	0	0	NUM
fsr-3442	733	34	.1	.1	NUM
fsr-3442	733	35	9	9	NUM
fsr-3442	733	36	4	4	NUM
fsr-3442	733	37	*	*	PUNCT
fsr-3442	733	38	*	*	PUNCT
fsr-3442	733	39	*	*	PUNCT
fsr-3442	733	40	p	p	X
fsr-3442	733	41	re	re	X
fsr-3442	733	42	se	se	X
fsr-3442	733	43	n	n	X
fsr-3442	733	44	ce	ce	PROPN
fsr-3442	733	45	o	o	X
fsr-3442	733	46	f	f	PROPN
fsr-3442	733	47	ch	ch	PROPN
fsr-3442	733	48	il	il	PROPN
fsr-3442	733	49	d	d	PROPN
fsr-3442	733	50	re	re	X
fsr-3442	733	51	n	n	PROPN
fsr-3442	733	52	u	u	NOUN
fsr-3442	733	53	n	n	PROPN
fsr-3442	733	54	d	d	PROPN
fsr-3442	733	55	er	er	INTJ
fsr-3442	733	56	ag	ag	PROPN
fsr-3442	733	57	e	e	PROPN
fsr-3442	733	58	1	1	NUM
fsr-3442	733	59	8	8	NUM
fsr-3442	733	60	�	�	NOUN
fsr-3442	733	61	0	0	NUM
fsr-3442	733	62	.3	.3	NUM
fsr-3442	733	63	7	7	NUM
fsr-3442	733	64	5	5	NUM
fsr-3442	733	65	*	*	PUNCT
fsr-3442	733	66	*	*	PUNCT
fsr-3442	733	67	*	*	PUNCT
fsr-3442	733	68	�	�	PROPN
fsr-3442	733	69	0	0	NUM
fsr-3442	733	70	.2	.2	NUM
fsr-3442	733	71	3	3	NUM
fsr-3442	733	72	4	4	NUM
fsr-3442	733	73	*	*	PUNCT
fsr-3442	733	74	*	*	PUNCT
fsr-3442	733	75	*	*	PUNCT
fsr-3442	733	76	�	�	PROPN
fsr-3442	733	77	0	0	NUM
fsr-3442	733	78	.4	.4	NUM
fsr-3442	733	79	2	2	NUM
fsr-3442	733	80	8	8	NUM
fsr-3442	733	81	*	*	PUNCT
fsr-3442	734	1	*	*	PUNCT
fsr-3442	734	2	*	*	PUNCT
fsr-3442	734	3	o	o	X
fsr-3442	734	4	th	th	X
fsr-3442	734	5	er	er	INTJ
fsr-3442	734	6	in	in	ADP
fsr-3442	734	7	fl	fl	NUM
fsr-3442	734	8	u	u	PROPN
fsr-3442	734	9	en	en	PROPN
fsr-3442	734	10	ce	ce	PROPN
fsr-3442	734	11	s	s	PROPN
fsr-3442	734	12	f	f	X
fsr-3442	734	13	em	em	PROPN
fsr-3442	734	14	al	al	PROPN
fsr-3442	734	15	e	e	PROPN
fsr-3442	734	16	�	�	PROPN
fsr-3442	734	17	0	0	PROPN
fsr-3442	734	18	.1	.1	NUM
fsr-3442	734	19	2	2	NUM
fsr-3442	734	20	3	3	NUM
fsr-3442	734	21	*	*	PUNCT
fsr-3442	734	22	*	*	PUNCT
fsr-3442	734	23	*	*	PUNCT
fsr-3442	734	24	�	�	PROPN
fsr-3442	734	25	0	0	NUM
fsr-3442	734	26	.0	.0	NUM
fsr-3442	734	27	6	6	NUM
fsr-3442	734	28	3	3	NUM
fsr-3442	734	29	*	*	PUNCT
fsr-3442	735	1	*	*	PUNCT
fsr-3442	736	1	*	*	PUNCT
fsr-3442	736	2	0	0	NUM
fsr-3442	737	1	.0	.0	NUM
fsr-3442	737	2	0	0	NUM
fsr-3442	737	3	8	8	NUM
fsr-3442	737	4	r	r	NOUN
fsr-3442	737	5	ac	ac	NOUN
fsr-3442	737	6	e	e	PROPN
fsr-3442	737	7	an	an	PROPN
fsr-3442	737	8	d	d	X
fsr-3442	737	9	et	et	NOUN
fsr-3442	737	10	h	h	NOUN
fsr-3442	737	11	n	n	ADV
fsr-3442	737	12	ic	ic	INTJ
fsr-3442	738	1	it	it	PRON
fsr-3442	738	2	y	y	INTJ
fsr-3442	738	3	(	(	PUNCT
fsr-3442	738	4	r	r	NOUN
fsr-3442	738	5	el	el	PROPN
fsr-3442	738	6	at	at	ADP
fsr-3442	738	7	iv	iv	NUM
fsr-3442	738	8	e	e	NOUN
fsr-3442	738	9	to	to	ADP
fsr-3442	738	10	w	w	PROPN
fsr-3442	738	11	h	h	NOUN
fsr-3442	739	1	it	it	PRON
fsr-3442	739	2	e	e	NOUN
fsr-3442	739	3	an	an	PRON
fsr-3442	740	1	d	d	X
fsr-3442	740	2	“	"	PUNCT
fsr-3442	740	3	o	o	X
fsr-3442	740	4	th	th	X
fsr-3442	740	5	er	er	INTJ
fsr-3442	740	6	”	"	PUNCT
fsr-3442	740	7	)	)	PUNCT
fsr-3442	740	8	b	b	X
fsr-3442	740	9	la	la	NOUN
fsr-3442	740	10	ck	ck	PROPN
fsr-3442	740	11	0	0	NUM
fsr-3442	740	12	.0	.0	NUM
fsr-3442	740	13	3	3	NUM
fsr-3442	740	14	6	6	NUM
fsr-3442	740	15	�	�	PROPN
fsr-3442	740	16	0	0	NUM
fsr-3442	740	17	.0	.0	NUM
fsr-3442	740	18	0	0	NUM
fsr-3442	740	19	6	6	NUM
fsr-3442	740	20	�	�	PROPN
fsr-3442	740	21	0	0	NUM
fsr-3442	740	22	.1	.1	NUM
fsr-3442	740	23	2	2	NUM
fsr-3442	740	24	1	1	NUM
fsr-3442	740	25	*	*	PUNCT
fsr-3442	740	26	*	*	PUNCT
fsr-3442	740	27	h	h	NOUN
fsr-3442	740	28	is	be	AUX
fsr-3442	740	29	p	p	PROPN
fsr-3442	740	30	an	an	DET
fsr-3442	740	31	ic	ic	PROPN
fsr-3442	740	32	�	�	PROPN
fsr-3442	740	33	0	0	NUM
fsr-3442	741	1	.2	.2	NUM
fsr-3442	741	2	0	0	NUM
fsr-3442	741	3	3	3	NUM
fsr-3442	741	4	*	*	PUNCT
fsr-3442	741	5	*	*	PUNCT
fsr-3442	741	6	*	*	PUNCT
fsr-3442	741	7	�	�	PROPN
fsr-3442	741	8	0	0	NUM
fsr-3442	741	9	.1	.1	NUM
fsr-3442	741	10	0	0	NUM
fsr-3442	741	11	5	5	NUM
fsr-3442	742	1	*	*	PUNCT
fsr-3442	742	2	*	*	PUNCT
fsr-3442	742	3	*	*	PUNCT
fsr-3442	742	4	�	�	PROPN
fsr-3442	742	5	0	0	NUM
fsr-3442	742	6	.6	.6	NUM
fsr-3442	742	7	3	3	NUM
fsr-3442	742	8	4	4	NUM
fsr-3442	742	9	*	*	PUNCT
fsr-3442	742	10	*	*	PUNCT
fsr-3442	742	11	*	*	PUNCT
fsr-3442	742	12	e	e	X
fsr-3442	742	13	co	co	X
fsr-3442	742	14	n	n	ADV
fsr-3442	742	15	o	o	NOUN
fsr-3442	742	16	m	m	VERB
fsr-3442	742	17	ic	ic	PROPN
fsr-3442	743	1	ex	ex	PRON
fsr-3442	743	2	p	p	NOUN
fsr-3442	743	3	ec	ec	X
fsr-3442	743	4	ta	ta	X
fsr-3442	743	5	ti	ti	X
fsr-3442	743	6	o	o	PROPN
fsr-3442	743	7	n	n	PROPN
fsr-3442	743	8	s	s	NOUN
fsr-3442	743	9	0	0	NUM
fsr-3442	743	10	.0	.0	NUM
fsr-3442	743	11	5	5	NUM
fsr-3442	743	12	7	7	NUM
fsr-3442	743	13	*	*	PUNCT
fsr-3442	744	1	*	*	PUNCT
fsr-3442	745	1	*	*	PUNCT
fsr-3442	745	2	0	0	NUM
fsr-3442	745	3	.0	.0	NUM
fsr-3442	745	4	1	1	NUM
fsr-3442	745	5	3	3	NUM
fsr-3442	745	6	�	�	PROPN
fsr-3442	745	7	0	0	NUM
fsr-3442	745	8	.0	.0	NUM
fsr-3442	745	9	0	0	NUM
fsr-3442	745	10	7	7	NUM
fsr-3442	745	11	in	in	ADP
fsr-3442	745	12	te	te	PROPN
fsr-3442	745	13	re	re	PROPN
fsr-3442	745	14	st	st	PROPN
fsr-3442	745	15	ra	ra	PROPN
fsr-3442	746	1	te	te	ADP
fsr-3442	746	2	ex	ex	PRON
fsr-3442	746	3	p	p	PROPN
fsr-3442	746	4	ec	ec	X
fsr-3442	747	1	ta	ta	X
fsr-3442	747	2	ti	ti	X
fsr-3442	747	3	o	o	PROPN
fsr-3442	747	4	n	n	PROPN
fsr-3442	747	5	s	s	NOUN
fsr-3442	747	6	0	0	NUM
fsr-3442	747	7	.0	.0	NUM
fsr-3442	747	8	6	6	NUM
fsr-3442	747	9	2	2	NUM
fsr-3442	747	10	*	*	PUNCT
fsr-3442	747	11	*	*	PUNCT
fsr-3442	748	1	*	*	PUNCT
fsr-3442	748	2	0	0	NUM
fsr-3442	749	1	.0	.0	NUM
fsr-3442	749	2	0	0	NUM
fsr-3442	750	1	6	6	NUM
fsr-3442	750	2	0	0	NUM
fsr-3442	750	3	.0	.0	NUM
fsr-3442	750	4	7	7	NUM
fsr-3442	750	5	8	8	NUM
fsr-3442	750	6	*	*	PUNCT
fsr-3442	751	1	*	*	PUNCT
fsr-3442	751	2	r	r	NOUN
fsr-3442	751	3	is	be	AUX
fsr-3442	751	4	k	k	PROPN
fsr-3442	751	5	to	to	PART
fsr-3442	751	6	le	le	PROPN
fsr-3442	751	7	ra	ra	PROPN
fsr-3442	751	8	n	n	PROPN
fsr-3442	751	9	ce	ce	PROPN
fsr-3442	751	10	(	(	PUNCT
fsr-3442	751	11	r	r	NOUN
fsr-3442	751	12	el	el	PROPN
fsr-3442	751	13	at	at	ADP
fsr-3442	751	14	iv	iv	NUM
fsr-3442	751	15	e	e	NOUN
fsr-3442	751	16	to	to	ADP
fsr-3442	751	17	n	n	PRON
fsr-3442	751	18	o	o	PROPN
fsr-3442	751	19	ri	ri	NOUN
fsr-3442	751	20	sk	sk	INTJ
fsr-3442	751	21	)	)	PUNCT
fsr-3442	752	1	m	m	VERB
fsr-3442	753	1	o	o	NOUN
fsr-3442	754	1	d	d	X
fsr-3442	754	2	er	er	INTJ
fsr-3442	754	3	at	at	ADP
fsr-3442	754	4	e	e	PROPN
fsr-3442	754	5	ri	ri	PROPN
fsr-3442	754	6	sk	sk	PROPN
fsr-3442	754	7	�	�	PROPN
fsr-3442	754	8	0	0	NUM
fsr-3442	754	9	.0	.0	NUM
fsr-3442	754	10	1	1	NUM
fsr-3442	754	11	7	7	NUM
fsr-3442	754	12	�	�	NOUN
fsr-3442	754	13	0	0	NUM
fsr-3442	754	14	.0	.0	NUM
fsr-3442	754	15	5	5	NUM
fsr-3442	754	16	8	8	NUM
fsr-3442	754	17	*	*	PUNCT
fsr-3442	754	18	*	*	PUNCT
fsr-3442	754	19	*	*	PUNCT
fsr-3442	754	20	�	�	PROPN
fsr-3442	754	21	0	0	NUM
fsr-3442	754	22	.2	.2	NUM
fsr-3442	754	23	4	4	NUM
fsr-3442	754	24	6	6	NUM
fsr-3442	754	25	*	*	PUNCT
fsr-3442	755	1	*	*	PUNCT
fsr-3442	755	2	*	*	PUNCT
fsr-3442	755	3	s	s	X
fsr-3442	755	4	u	u	PROPN
fsr-3442	755	5	b	b	PROPN
fsr-3442	755	6	st	st	PROPN
fsr-3442	755	7	an	an	DET
fsr-3442	755	8	ti	ti	PROPN
fsr-3442	755	9	al	al	PROPN
fsr-3442	755	10	ri	ri	PROPN
fsr-3442	755	11	sk	sk	PROPN
fsr-3442	755	12	�	�	PROPN
fsr-3442	755	13	0	0	NUM
fsr-3442	755	14	.3	.3	NUM
fsr-3442	755	15	2	2	NUM
fsr-3442	755	16	4	4	NUM
fsr-3442	755	17	*	*	PUNCT
fsr-3442	755	18	*	*	PUNCT
fsr-3442	755	19	*	*	PUNCT
fsr-3442	755	20	�	�	PROPN
fsr-3442	755	21	0	0	NUM
fsr-3442	755	22	.2	.2	NUM
fsr-3442	755	23	1	1	NUM
fsr-3442	755	24	3	3	NUM
fsr-3442	755	25	*	*	PUNCT
fsr-3442	755	26	*	*	PUNCT
fsr-3442	755	27	*	*	PUNCT
fsr-3442	755	28	�	�	PROPN
fsr-3442	755	29	0	0	NUM
fsr-3442	755	30	.6	.6	NUM
fsr-3442	755	31	0	0	NUM
fsr-3442	755	32	1	1	NUM
fsr-3442	755	33	*	*	PUNCT
fsr-3442	756	1	*	*	PUNCT
fsr-3442	756	2	*	*	PUNCT
fsr-3442	756	3	c	c	X
fsr-3442	756	4	o	o	X
fsr-3442	756	5	ef	ef	PROPN
fsr-3442	756	6	fi	fi	PROPN
fsr-3442	756	7	ci	ci	PROPN
fsr-3442	756	8	en	en	ADV
fsr-3442	756	9	ts	ts	ADP
fsr-3442	756	10	fr	fr	INTJ
fsr-3442	756	11	o	o	NOUN
fsr-3442	756	12	m	m	VERB
fsr-3442	756	13	o	o	PROPN
fsr-3442	756	14	rd	rd	PROPN
fsr-3442	756	15	in	in	ADP
fsr-3442	756	16	ar	ar	PROPN
fsr-3442	756	17	y	y	PROPN
fsr-3442	756	18	l	l	PROPN
fsr-3442	756	19	ea	ea	PROPN
fsr-3442	756	20	st	st	PROPN
fsr-3442	756	21	s	s	PROPN
fsr-3442	756	22	q	q	X
fsr-3442	756	23	u	u	PROPN
fsr-3442	756	24	ar	ar	PROPN
fsr-3442	756	25	e	e	X
fsr-3442	756	26	re	re	ADP
fsr-3442	756	27	g	g	PROPN
fsr-3442	756	28	re	re	ADP
fsr-3442	756	29	ss	ss	PROPN
fsr-3442	756	30	io	io	PROPN
fsr-3442	756	31	n	n	PROPN
fsr-3442	756	32	s	s	PROPN
fsr-3442	756	33	ar	ar	PROPN
fsr-3442	756	34	e	e	NOUN
fsr-3442	756	35	re	re	ADP
fsr-3442	756	36	p	p	NOUN
fsr-3442	756	37	o	o	X
fsr-3442	756	38	rt	rt	PROPN
fsr-3442	756	39	ed	ed	NOUN
fsr-3442	756	40	in	in	ADP
fsr-3442	756	41	th	th	NUM
fsr-3442	756	42	e	e	NOUN
fsr-3442	756	43	fi	fi	NOUN
fsr-3442	756	44	rs	rs	PROPN
fsr-3442	756	45	t	t	PROPN
fsr-3442	756	46	tw	tw	NOUN
fsr-3442	756	47	o	o	X
fsr-3442	756	48	co	co	VERB
fsr-3442	756	49	lu	lu	PROPN
fsr-3442	756	50	m	m	PROPN
fsr-3442	756	51	n	n	PROPN
fsr-3442	756	52	s	s	PROPN
fsr-3442	756	53	,	,	PUNCT
fsr-3442	756	54	co	co	X
fsr-3442	756	55	ef	ef	PROPN
fsr-3442	756	56	fi	fi	PROPN
fsr-3442	756	57	ci	ci	PROPN
fsr-3442	756	58	en	en	ADV
fsr-3442	756	59	ts	ts	ADP
fsr-3442	756	60	fr	fr	INTJ
fsr-3442	757	1	o	o	NOUN
fsr-3442	757	2	m	m	VERB
fsr-3442	757	3	lo	lo	ADJ
fsr-3442	757	4	g	g	PROPN
fsr-3442	757	5	is	be	AUX
fsr-3442	757	6	ti	ti	X
fsr-3442	757	7	c	c	NOUN
fsr-3442	757	8	re	re	ADP
fsr-3442	757	9	g	g	PROPN
fsr-3442	757	10	re	re	ADP
fsr-3442	757	11	ss	ss	PROPN
fsr-3442	757	12	io	io	PROPN
fsr-3442	757	13	n	n	PROPN
fsr-3442	757	14	ar	ar	PROPN
fsr-3442	757	15	e	e	X
fsr-3442	757	16	re	re	ADP
fsr-3442	757	17	p	p	NOUN
fsr-3442	757	18	o	o	X
fsr-3442	757	19	rt	rt	PROPN
fsr-3442	757	20	ed	ed	NOUN
fsr-3442	757	21	in	in	ADP
fsr-3442	757	22	th	th	NUM
fsr-3442	757	23	e	e	X
fsr-3442	757	24	la	la	PROPN
fsr-3442	757	25	st	st	PROPN
fsr-3442	757	26	co	co	PROPN
fsr-3442	757	27	lu	lu	PROPN
fsr-3442	757	28	m	m	VERB
fsr-3442	757	29	n	n	NOUN
fsr-3442	757	30	.	.	PUNCT
fsr-3442	758	1	*	*	PUNCT
fsr-3442	759	1	*	*	PUNCT
fsr-3442	759	2	*	*	PUNCT
fsr-3442	759	3	,	,	PUNCT
fsr-3442	759	4	*	*	PUNCT
fsr-3442	759	5	*	*	PUNCT
fsr-3442	759	6	,	,	PUNCT
fsr-3442	759	7	*	*	PUNCT
fsr-3442	759	8	in	in	ADP
fsr-3442	759	9	d	d	X
fsr-3442	759	10	ic	ic	PROPN
fsr-3442	759	11	at	at	ADP
fsr-3442	759	12	e	e	PROPN
fsr-3442	759	13	si	si	PROPN
fsr-3442	759	14	g	g	PROPN
fsr-3442	759	15	n	n	PROPN
fsr-3442	759	16	ifi	ifi	PROPN
fsr-3442	759	17	ca	ca	PROPN
fsr-3442	759	18	n	n	ADV
fsr-3442	759	19	ce	ce	PROPN
fsr-3442	759	20	at	at	ADP
fsr-3442	759	21	th	th	X
fsr-3442	759	22	e	e	X
fsr-3442	759	23	0	0	PUNCT
fsr-3442	759	24	.0	.0	NUM
fsr-3442	759	25	1	1	NUM
fsr-3442	759	26	,	,	PUNCT
fsr-3442	759	27	0	0	NUM
fsr-3442	759	28	.0	.0	NUM
fsr-3442	759	29	5	5	NUM
fsr-3442	759	30	,	,	PUNCT
fsr-3442	759	31	an	an	DET
fsr-3442	759	32	d	d	PROPN
fsr-3442	759	33	0	0	NUM
fsr-3442	759	34	.1	.1	NUM
fsr-3442	759	35	0	0	NUM
fsr-3442	759	36	le	le	PROPN
fsr-3442	759	37	v	v	PROPN
fsr-3442	759	38	el	el	PROPN
fsr-3442	759	39	s	s	PROPN
fsr-3442	759	40	,	,	PUNCT
fsr-3442	759	41	re	re	ADP
fsr-3442	759	42	sp	sp	ADP
fsr-3442	759	43	ec	ec	PROPN
fsr-3442	759	44	ti	ti	PROPN
fsr-3442	759	45	v	v	PROPN
fsr-3442	759	46	el	el	PROPN
fsr-3442	759	47	y	y	PROPN
fsr-3442	759	48	.	.	PUNCT
fsr-3442	760	1	48	48	NUM
fsr-3442	760	2	q.	q.	PROPN
fsr-3442	760	3	bi	bi	PROPN
fsr-3442	760	4	et	et	PROPN
fsr-3442	760	5	al	al	PROPN
fsr-3442	760	6	.	.	PUNCT
fsr-3442	760	7	/	/	SYM
fsr-3442	760	8	financial	financial	ADJ
fsr-3442	760	9	services	service	NOUN
fsr-3442	760	10	review	review	VERB
fsr-3442	760	11	29	29	NUM
fsr-3442	760	12	(	(	PUNCT
fsr-3442	760	13	2021	2021	NUM
fsr-3442	760	14	)	)	PUNCT
fsr-3442	760	15	29–54	29–54	NUM
fsr-3442	760	16	that	that	PRON
fsr-3442	760	17	households	household	NOUN
fsr-3442	760	18	can	can	AUX
fsr-3442	760	19	not	not	PART
fsr-3442	760	20	afford	afford	VERB
fsr-3442	760	21	to	to	PART
fsr-3442	760	22	repay	repay	VERB
fsr-3442	760	23	.	.	PUNCT
fsr-3442	761	1	using	use	VERB
fsr-3442	761	2	phone	phone	NOUN
fsr-3442	761	3	banking	banking	NOUN
fsr-3442	761	4	and	and	CCONJ
fsr-3442	761	5	computer	computer	NOUN
fsr-3442	761	6	banking	banking	NOUN
fsr-3442	761	7	seems	seem	VERB
fsr-3442	761	8	to	to	PART
fsr-3442	761	9	have	have	VERB
fsr-3442	761	10	negative	negative	ADJ
fsr-3442	761	11	effects	effect	NOUN
fsr-3442	761	12	on	on	ADP
fsr-3442	761	13	positive	positive	ADJ
fsr-3442	761	14	financial	financial	ADJ
fsr-3442	761	15	behaviors	behavior	NOUN
fsr-3442	761	16	.	.	PUNCT
fsr-3442	762	1	a	a	DET
fsr-3442	762	2	recent	recent	ADJ
fsr-3442	762	3	study	study	NOUN
fsr-3442	762	4	by	by	ADP
fsr-3442	762	5	transunion	transunion	NOUN
fsr-3442	762	6	showed	show	VERB
fsr-3442	762	7	that	that	SCONJ
fsr-3442	762	8	both	both	CCONJ
fsr-3442	762	9	the	the	DET
fsr-3442	762	10	volume	volume	NOUN
fsr-3442	762	11	and	and	CCONJ
fsr-3442	762	12	balance	balance	NOUN
fsr-3442	762	13	of	of	ADP
fsr-3442	762	14	personal	personal	ADJ
fsr-3442	762	15	unsecured	unsecured	ADJ
fsr-3442	762	16	loans	loan	NOUN
fsr-3442	762	17	have	have	AUX
fsr-3442	762	18	been	be	AUX
fsr-3442	762	19	increasing	increase	VERB
fsr-3442	762	20	significantly	significantly	ADV
fsr-3442	762	21	in	in	ADP
fsr-3442	762	22	the	the	DET
fsr-3442	762	23	past	past	ADJ
fsr-3442	762	24	few	few	ADJ
fsr-3442	762	25	years	year	NOUN
fsr-3442	762	26	as	as	SCONJ
fsr-3442	762	27	consumers	consumer	NOUN
fsr-3442	762	28	become	become	VERB
fsr-3442	762	29	more	more	ADV
fsr-3442	762	30	likely	likely	ADJ
fsr-3442	762	31	to	to	PART
fsr-3442	762	32	choose	choose	VERB
fsr-3442	762	33	fintech	fintech	NOUN
fsr-3442	762	34	than	than	ADP
fsr-3442	762	35	traditional	traditional	ADJ
fsr-3442	762	36	lenders	lender	NOUN
fsr-3442	762	37	for	for	ADP
fsr-3442	762	38	borrowing.5	borrowing.5	PROPN
fsr-3442	762	39	overall	overall	ADV
fsr-3442	762	40	,	,	PUNCT
fsr-3442	762	41	our	our	PRON
fsr-3442	762	42	results	result	NOUN
fsr-3442	762	43	are	be	AUX
fsr-3442	762	44	consistent	consistent	ADJ
fsr-3442	762	45	with	with	ADP
fsr-3442	762	46	these	these	DET
fsr-3442	762	47	findings	finding	NOUN
fsr-3442	762	48	by	by	ADP
fsr-3442	762	49	showing	show	VERB
fsr-3442	762	50	that	that	SCONJ
fsr-3442	762	51	,	,	PUNCT
fsr-3442	762	52	though	though	SCONJ
fsr-3442	762	53	the	the	DET
fsr-3442	762	54	convenience	convenience	NOUN
fsr-3442	762	55	provided	provide	VERB
fsr-3442	762	56	by	by	ADP
fsr-3442	762	57	transaction	transaction	NOUN
fsr-3442	762	58	-	-	PUNCT
fsr-3442	762	59	based	base	VERB
fsr-3442	762	60	e	e	NOUN
fsr-3442	762	61	-	-	ADJ
fsr-3442	762	62	banking	banking	ADJ
fsr-3442	762	63	technology	technology	NOUN
fsr-3442	762	64	saves	save	VERB
fsr-3442	762	65	time	time	NOUN
fsr-3442	762	66	and	and	CCONJ
fsr-3442	762	67	costs	cost	NOUN
fsr-3442	762	68	for	for	ADP
fsr-3442	762	69	households	household	NOUN
fsr-3442	762	70	to	to	PART
fsr-3442	762	71	complete	complete	VERB
fsr-3442	762	72	financial	financial	ADJ
fsr-3442	762	73	transactions	transaction	NOUN
fsr-3442	762	74	,	,	PUNCT
fsr-3442	762	75	it	it	PRON
fsr-3442	762	76	also	also	ADV
fsr-3442	762	77	increases	increase	VERB
fsr-3442	762	78	the	the	DET
fsr-3442	762	79	ease	ease	NOUN
fsr-3442	762	80	of	of	ADP
fsr-3442	762	81	accessing	access	VERB
fsr-3442	762	82	funds	fund	NOUN
fsr-3442	762	83	and	and	CCONJ
fsr-3442	762	84	can	can	AUX
fsr-3442	762	85	be	be	AUX
fsr-3442	762	86	detrimental	detrimental	ADJ
fsr-3442	762	87	to	to	PART
fsr-3442	762	88	household	household	VERB
fsr-3442	762	89	financial	financial	ADJ
fsr-3442	762	90	well	well	ADV
fsr-3442	762	91	-	-	PUNCT
fsr-3442	762	92	being	being	NOUN
fsr-3442	762	93	in	in	ADP
fsr-3442	762	94	the	the	DET
fsr-3442	762	95	long	long	ADJ
fsr-3442	762	96	run	run	NOUN
fsr-3442	762	97	.	.	PUNCT
fsr-3442	763	1	in	in	ADP
fsr-3442	763	2	contrast	contrast	NOUN
fsr-3442	763	3	,	,	PUNCT
fsr-3442	763	4	the	the	DET
fsr-3442	763	5	regression	regression	NOUN
fsr-3442	763	6	results	result	VERB
fsr-3442	763	7	in	in	ADP
fsr-3442	763	8	models	model	NOUN
fsr-3442	763	9	(	(	PUNCT
fsr-3442	763	10	1	1	NUM
fsr-3442	763	11	)	)	PUNCT
fsr-3442	763	12	,	,	PUNCT
fsr-3442	763	13	(	(	PUNCT
fsr-3442	763	14	2	2	NUM
fsr-3442	763	15	)	)	PUNCT
fsr-3442	763	16	,	,	PUNCT
fsr-3442	763	17	and	and	CCONJ
fsr-3442	763	18	(	(	PUNCT
fsr-3442	763	19	3	3	X
fsr-3442	763	20	)	)	PUNCT
fsr-3442	763	21	also	also	ADV
fsr-3442	763	22	indicate	indicate	VERB
fsr-3442	763	23	that	that	SCONJ
fsr-3442	763	24	planningbased	planningbased	ADJ
fsr-3442	763	25	financial	financial	ADJ
fsr-3442	763	26	technologies	technology	NOUN
fsr-3442	763	27	,	,	PUNCT
fsr-3442	763	28	including	include	VERB
fsr-3442	763	29	preauthorized	preauthorized	ADJ
fsr-3442	763	30	debit	debit	NOUN
fsr-3442	763	31	,	,	PUNCT
fsr-3442	763	32	direct	direct	ADJ
fsr-3442	763	33	deposit	deposit	NOUN
fsr-3442	763	34	,	,	PUNCT
fsr-3442	763	35	and	and	CCONJ
fsr-3442	763	36	computer	computer	NOUN
fsr-3442	763	37	software	software	NOUN
fsr-3442	763	38	use	use	NOUN
fsr-3442	763	39	,	,	PUNCT
fsr-3442	763	40	positively	positively	ADV
fsr-3442	763	41	affect	affect	VERB
fsr-3442	763	42	households	household	NOUN
fsr-3442	763	43	’	'	PUNCT
fsr-3442	763	44	engagement	engagement	NOUN
fsr-3442	763	45	in	in	ADP
fsr-3442	763	46	financial	financial	ADJ
fsr-3442	763	47	behaviors	behavior	NOUN
fsr-3442	763	48	.	.	PUNCT
fsr-3442	764	1	our	our	PRON
fsr-3442	764	2	results	result	NOUN
fsr-3442	764	3	show	show	VERB
fsr-3442	764	4	that	that	SCONJ
fsr-3442	764	5	the	the	DET
fsr-3442	764	6	coefficients	coefficient	NOUN
fsr-3442	764	7	of	of	ADP
fsr-3442	764	8	the	the	DET
fsr-3442	764	9	planning	planning	NOUN
fsr-3442	764	10	technology	technology	NOUN
fsr-3442	764	11	usage	usage	NOUN
fsr-3442	764	12	index	index	NOUN
fsr-3442	764	13	are	be	AUX
fsr-3442	764	14	significantly	significantly	ADV
fsr-3442	764	15	positive	positive	ADJ
fsr-3442	764	16	across	across	ADP
fsr-3442	764	17	all	all	DET
fsr-3442	764	18	models	model	NOUN
fsr-3442	764	19	.	.	PUNCT
fsr-3442	765	1	for	for	ADP
fsr-3442	765	2	example	example	NOUN
fsr-3442	765	3	,	,	PUNCT
fsr-3442	765	4	the	the	DET
fsr-3442	765	5	positive	positive	ADJ
fsr-3442	765	6	coefficient	coefficient	NOUN
fsr-3442	765	7	of	of	ADP
fsr-3442	765	8	0.082	0.082	NUM
fsr-3442	765	9	in	in	ADP
fsr-3442	765	10	model	model	NOUN
fsr-3442	765	11	(	(	PUNCT
fsr-3442	765	12	3	3	NUM
fsr-3442	765	13	)	)	PUNCT
fsr-3442	765	14	suggests	suggest	VERB
fsr-3442	765	15	that	that	SCONJ
fsr-3442	765	16	planning	planning	NOUN
fsr-3442	765	17	technology	technology	NOUN
fsr-3442	765	18	usage	usage	NOUN
fsr-3442	765	19	is	be	AUX
fsr-3442	765	20	more	more	ADV
fsr-3442	765	21	likely	likely	ADJ
fsr-3442	765	22	to	to	PART
fsr-3442	765	23	be	be	AUX
fsr-3442	765	24	positively	positively	ADV
fsr-3442	765	25	related	relate	VERB
fsr-3442	765	26	to	to	ADP
fsr-3442	765	27	households	household	NOUN
fsr-3442	765	28	’	'	PUNCT
fsr-3442	765	29	positive	positive	ADJ
fsr-3442	765	30	financial	financial	ADJ
fsr-3442	765	31	behaviors	behavior	NOUN
fsr-3442	765	32	.	.	PUNCT
fsr-3442	766	1	the	the	DET
fsr-3442	766	2	results	result	NOUN
fsr-3442	766	3	hence	hence	ADV
fsr-3442	766	4	support	support	VERB
fsr-3442	766	5	our	our	PRON
fsr-3442	766	6	hypothesis	hypothesis	NOUN
fsr-3442	766	7	that	that	SCONJ
fsr-3442	766	8	planning	planning	NOUN
fsr-3442	766	9	-	-	PUNCT
fsr-3442	766	10	based	base	VERB
fsr-3442	766	11	financial	financial	ADJ
fsr-3442	766	12	technologies	technology	NOUN
fsr-3442	766	13	will	will	AUX
fsr-3442	766	14	have	have	VERB
fsr-3442	766	15	a	a	DET
fsr-3442	766	16	positive	positive	ADJ
fsr-3442	766	17	impact	impact	NOUN
fsr-3442	766	18	on	on	ADP
fsr-3442	766	19	households	household	NOUN
fsr-3442	766	20	’	'	PUNCT
fsr-3442	766	21	financial	financial	ADJ
fsr-3442	766	22	behaviors.6	behaviors.6	PROPN
fsr-3442	766	23	planningbased	planningbase	VERB
fsr-3442	766	24	financial	financial	ADJ
fsr-3442	766	25	technologies	technology	NOUN
fsr-3442	766	26	appear	appear	VERB
fsr-3442	766	27	to	to	PART
fsr-3442	766	28	create	create	VERB
fsr-3442	766	29	a	a	DET
fsr-3442	766	30	more	more	ADV
fsr-3442	766	31	positive	positive	ADJ
fsr-3442	766	32	environment	environment	NOUN
fsr-3442	766	33	for	for	ADP
fsr-3442	766	34	enhancing	enhance	VERB
fsr-3442	766	35	household	household	NOUN
fsr-3442	766	36	financial	financial	ADJ
fsr-3442	766	37	well	well	ADV
fsr-3442	766	38	-	-	PUNCT
fsr-3442	766	39	being	being	NOUN
fsr-3442	766	40	.	.	PUNCT
fsr-3442	767	1	for	for	ADP
fsr-3442	767	2	example	example	NOUN
fsr-3442	767	3	,	,	PUNCT
fsr-3442	767	4	preauthorized	preauthorized	ADJ
fsr-3442	767	5	debit	debit	NOUN
fsr-3442	767	6	is	be	AUX
fsr-3442	767	7	used	use	VERB
fsr-3442	767	8	to	to	PART
fsr-3442	767	9	set	set	VERB
fsr-3442	767	10	up	up	ADP
fsr-3442	767	11	future	future	ADJ
fsr-3442	767	12	automatic	automatic	ADJ
fsr-3442	767	13	payments	payment	NOUN
fsr-3442	767	14	on	on	ADP
fsr-3442	767	15	loans	loan	NOUN
fsr-3442	767	16	and	and	CCONJ
fsr-3442	767	17	bills	bill	NOUN
fsr-3442	767	18	while	while	SCONJ
fsr-3442	767	19	direct	direct	ADJ
fsr-3442	767	20	deposit	deposit	NOUN
fsr-3442	767	21	makes	make	VERB
fsr-3442	767	22	it	it	PRON
fsr-3442	767	23	easier	easy	ADJ
fsr-3442	767	24	to	to	PART
fsr-3442	767	25	save	save	VERB
fsr-3442	767	26	and	and	CCONJ
fsr-3442	767	27	budget	budget	NOUN
fsr-3442	767	28	.	.	PUNCT
fsr-3442	768	1	computer	computer	NOUN
fsr-3442	768	2	software	software	NOUN
fsr-3442	768	3	helps	help	VERB
fsr-3442	768	4	households	household	NOUN
fsr-3442	768	5	plan	plan	NOUN
fsr-3442	768	6	for	for	ADP
fsr-3442	768	7	the	the	DET
fsr-3442	768	8	future	future	NOUN
fsr-3442	768	9	by	by	ADP
fsr-3442	768	10	providing	provide	VERB
fsr-3442	768	11	financial	financial	ADJ
fsr-3442	768	12	knowledge	knowledge	NOUN
fsr-3442	768	13	,	,	PUNCT
fsr-3442	768	14	calculation	calculation	NOUN
fsr-3442	768	15	help	help	NOUN
fsr-3442	768	16	,	,	PUNCT
fsr-3442	768	17	and	and	CCONJ
fsr-3442	768	18	action	action	NOUN
fsr-3442	768	19	plans	plan	NOUN
fsr-3442	768	20	.	.	PUNCT
fsr-3442	769	1	our	our	PRON
fsr-3442	769	2	results	result	NOUN
fsr-3442	769	3	hence	hence	ADV
fsr-3442	769	4	are	be	AUX
fsr-3442	769	5	consistent	consistent	ADJ
fsr-3442	769	6	with	with	ADP
fsr-3442	769	7	previous	previous	ADJ
fsr-3442	769	8	studies	study	NOUN
fsr-3442	769	9	showing	show	VERB
fsr-3442	769	10	that	that	SCONJ
fsr-3442	769	11	planning	planning	NOUN
fsr-3442	769	12	behaviors	behavior	NOUN
fsr-3442	769	13	have	have	VERB
fsr-3442	769	14	a	a	DET
fsr-3442	769	15	significant	significant	ADJ
fsr-3442	769	16	impact	impact	NOUN
fsr-3442	769	17	on	on	ADP
fsr-3442	769	18	personal	personal	ADJ
fsr-3442	769	19	savings	saving	NOUN
fsr-3442	769	20	practices	practice	NOUN
fsr-3442	769	21	(	(	PUNCT
fsr-3442	769	22	lusardi	lusardi	NOUN
fsr-3442	769	23	,	,	PUNCT
fsr-3442	769	24	2010	2010	NUM
fsr-3442	769	25	)	)	PUNCT
fsr-3442	769	26	.	.	PUNCT
fsr-3442	770	1	also	also	ADV
fsr-3442	770	2	,	,	PUNCT
fsr-3442	770	3	our	our	PRON
fsr-3442	770	4	findings	finding	NOUN
fsr-3442	770	5	are	be	AUX
fsr-3442	770	6	consistent	consistent	ADJ
fsr-3442	770	7	with	with	ADP
fsr-3442	770	8	shefrin	shefrin	NOUN
fsr-3442	770	9	and	and	CCONJ
fsr-3442	770	10	thaler	thaler	NOUN
fsr-3442	770	11	’s	’s	PART
fsr-3442	770	12	(	(	PUNCT
fsr-3442	770	13	1981	1981	NUM
fsr-3442	770	14	)	)	PUNCT
fsr-3442	770	15	theory	theory	NOUN
fsr-3442	770	16	that	that	SCONJ
fsr-3442	770	17	individuals	individual	NOUN
fsr-3442	770	18	will	will	AUX
fsr-3442	770	19	be	be	AUX
fsr-3442	770	20	more	more	ADV
fsr-3442	770	21	likely	likely	ADJ
fsr-3442	770	22	to	to	PART
fsr-3442	770	23	save	save	VERB
fsr-3442	770	24	or	or	CCONJ
fsr-3442	770	25	become	become	VERB
fsr-3442	770	26	a	a	DET
fsr-3442	770	27	“	"	PUNCT
fsr-3442	770	28	planner	planner	NOUN
fsr-3442	770	29	”	"	PUNCT
fsr-3442	770	30	when	when	SCONJ
fsr-3442	770	31	preferences	preference	NOUN
fsr-3442	770	32	or	or	CCONJ
fsr-3442	770	33	incentives	incentive	NOUN
fsr-3442	770	34	are	be	AUX
fsr-3442	770	35	altered	alter	VERB
fsr-3442	770	36	,	,	PUNCT
fsr-3442	770	37	behaviors	behavior	NOUN
fsr-3442	770	38	are	be	AUX
fsr-3442	770	39	tracked	track	VERB
fsr-3442	770	40	,	,	PUNCT
fsr-3442	770	41	or	or	CCONJ
fsr-3442	770	42	the	the	DET
fsr-3442	770	43	doer	doer	NOUN
fsr-3442	770	44	’s	’s	PART
fsr-3442	770	45	set	set	NOUN
fsr-3442	770	46	of	of	ADP
fsr-3442	770	47	choices	choice	NOUN
fsr-3442	770	48	is	be	AUX
fsr-3442	770	49	limited	limit	VERB
fsr-3442	770	50	with	with	ADP
fsr-3442	770	51	constraints	constraint	NOUN
fsr-3442	770	52	.	.	PUNCT
fsr-3442	771	1	households	household	NOUN
fsr-3442	771	2	with	with	ADP
fsr-3442	771	3	clear	clear	ADJ
fsr-3442	771	4	goals	goal	NOUN
fsr-3442	771	5	are	be	AUX
fsr-3442	771	6	more	more	ADV
fsr-3442	771	7	likely	likely	ADJ
fsr-3442	771	8	to	to	PART
fsr-3442	771	9	save	save	VERB
fsr-3442	771	10	for	for	ADP
fsr-3442	771	11	the	the	DET
fsr-3442	771	12	future	future	NOUN
fsr-3442	771	13	,	,	PUNCT
fsr-3442	771	14	which	which	PRON
fsr-3442	771	15	will	will	AUX
fsr-3442	771	16	lead	lead	VERB
fsr-3442	771	17	to	to	ADP
fsr-3442	771	18	higher	high	ADJ
fsr-3442	771	19	levels	level	NOUN
fsr-3442	771	20	of	of	ADP
fsr-3442	771	21	financial	financial	ADJ
fsr-3442	771	22	well	well	ADV
fsr-3442	771	23	-	-	PUNCT
fsr-3442	771	24	being	being	NOUN
fsr-3442	771	25	and	and	CCONJ
fsr-3442	771	26	life	life	NOUN
fsr-3442	771	27	satisfaction	satisfaction	NOUN
fsr-3442	771	28	.	.	PUNCT
fsr-3442	772	1	consistent	consistent	ADJ
fsr-3442	772	2	with	with	ADP
fsr-3442	772	3	other	other	ADJ
fsr-3442	772	4	research	research	NOUN
fsr-3442	772	5	findings	finding	NOUN
fsr-3442	772	6	(	(	PUNCT
fsr-3442	772	7	smith	smith	PROPN
fsr-3442	772	8	,	,	PUNCT
fsr-3442	772	9	finke	finke	PROPN
fsr-3442	772	10	,	,	PUNCT
fsr-3442	772	11	&	&	CCONJ
fsr-3442	772	12	huston	huston	PROPN
fsr-3442	772	13	,	,	PUNCT
fsr-3442	772	14	2011	2011	NUM
fsr-3442	772	15	,	,	PUNCT
fsr-3442	772	16	2012a	2012a	NUM
fsr-3442	772	17	,	,	PUNCT
fsr-3442	772	18	2012b	2012b	NUM
fsr-3442	772	19	)	)	PUNCT
fsr-3442	772	20	,	,	PUNCT
fsr-3442	772	21	we	we	PRON
fsr-3442	772	22	also	also	ADV
fsr-3442	772	23	find	find	VERB
fsr-3442	772	24	that	that	SCONJ
fsr-3442	772	25	financial	financial	ADJ
fsr-3442	772	26	sophistication	sophistication	NOUN
fsr-3442	772	27	significantly	significantly	ADV
fsr-3442	772	28	affects	affect	VERB
fsr-3442	772	29	households	household	NOUN
fsr-3442	772	30	’	'	PUNCT
fsr-3442	772	31	financial	financial	ADJ
fsr-3442	772	32	behaviors	behavior	NOUN
fsr-3442	772	33	.	.	PUNCT
fsr-3442	773	1	specifically	specifically	ADV
fsr-3442	773	2	,	,	PUNCT
fsr-3442	773	3	low	low	ADJ
fsr-3442	773	4	financial	financial	ADJ
fsr-3442	773	5	sophistication	sophistication	NOUN
fsr-3442	773	6	in	in	ADP
fsr-3442	773	7	households	household	NOUN
fsr-3442	773	8	is	be	AUX
fsr-3442	773	9	negatively	negatively	ADV
fsr-3442	773	10	related	relate	VERB
fsr-3442	773	11	to	to	ADP
fsr-3442	773	12	positive	positive	ADJ
fsr-3442	773	13	financial	financial	ADJ
fsr-3442	773	14	behaviors	behavior	NOUN
fsr-3442	773	15	,	,	PUNCT
fsr-3442	773	16	while	while	SCONJ
fsr-3442	773	17	high	high	ADJ
fsr-3442	773	18	financial	financial	ADJ
fsr-3442	773	19	sophistication	sophistication	NOUN
fsr-3442	773	20	is	be	AUX
fsr-3442	773	21	significantly	significantly	ADV
fsr-3442	773	22	and	and	CCONJ
fsr-3442	773	23	positively	positively	ADV
fsr-3442	773	24	associated	associate	VERB
fsr-3442	773	25	with	with	ADP
fsr-3442	773	26	positive	positive	ADJ
fsr-3442	773	27	financial	financial	ADJ
fsr-3442	773	28	behaviors	behavior	NOUN
fsr-3442	773	29	.	.	PUNCT
fsr-3442	774	1	households	household	NOUN
fsr-3442	774	2	with	with	ADP
fsr-3442	774	3	high	high	ADJ
fsr-3442	774	4	education	education	NOUN
fsr-3442	774	5	,	,	PUNCT
fsr-3442	774	6	high	high	ADJ
fsr-3442	774	7	income	income	NOUN
fsr-3442	774	8	,	,	PUNCT
fsr-3442	774	9	and	and	CCONJ
fsr-3442	774	10	high	high	ADJ
fsr-3442	774	11	net	net	ADJ
fsr-3442	774	12	worth	worth	NOUN
fsr-3442	774	13	are	be	AUX
fsr-3442	774	14	also	also	ADV
fsr-3442	774	15	related	relate	VERB
fsr-3442	774	16	to	to	ADP
fsr-3442	774	17	high	high	ADJ
fsr-3442	774	18	positive	positive	ADJ
fsr-3442	774	19	financial	financial	ADJ
fsr-3442	774	20	behaviors	behavior	NOUN
fsr-3442	774	21	.	.	PUNCT
fsr-3442	775	1	households	household	NOUN
fsr-3442	775	2	with	with	ADP
fsr-3442	775	3	homeownership	homeownership	NOUN
fsr-3442	775	4	or	or	CCONJ
fsr-3442	775	5	less	less	ADJ
fsr-3442	775	6	risk	risk	NOUN
fsr-3442	775	7	-	-	PUNCT
fsr-3442	775	8	averse	averse	ADJ
fsr-3442	775	9	(	(	PUNCT
fsr-3442	775	10	i.e.	i.e.	X
fsr-3442	775	11	,	,	PUNCT
fsr-3442	775	12	who	who	PRON
fsr-3442	775	13	are	be	AUX
fsr-3442	775	14	willing	willing	ADJ
fsr-3442	775	15	to	to	PART
fsr-3442	775	16	take	take	VERB
fsr-3442	775	17	a	a	DET
fsr-3442	775	18	substantial	substantial	ADJ
fsr-3442	775	19	risk	risk	NOUN
fsr-3442	775	20	)	)	PUNCT
fsr-3442	775	21	are	be	AUX
fsr-3442	775	22	engaging	engage	VERB
fsr-3442	775	23	in	in	ADP
fsr-3442	775	24	low	low	ADJ
fsr-3442	775	25	positive	positive	ADJ
fsr-3442	775	26	financial	financial	ADJ
fsr-3442	775	27	behaviors	behavior	NOUN
fsr-3442	775	28	.	.	PUNCT
fsr-3442	776	1	consistent	consistent	ADJ
fsr-3442	776	2	with	with	ADP
fsr-3442	776	3	our	our	PRON
fsr-3442	776	4	expectation	expectation	NOUN
fsr-3442	776	5	,	,	PUNCT
fsr-3442	776	6	households	household	NOUN
fsr-3442	776	7	with	with	ADP
fsr-3442	776	8	children	child	NOUN
fsr-3442	776	9	under	under	ADP
fsr-3442	776	10	18	18	NUM
fsr-3442	776	11	are	be	AUX
fsr-3442	776	12	associated	associate	VERB
fsr-3442	776	13	with	with	ADP
fsr-3442	776	14	low	low	ADJ
fsr-3442	776	15	positive	positive	ADJ
fsr-3442	776	16	financial	financial	ADJ
fsr-3442	776	17	behaviors	behavior	NOUN
fsr-3442	776	18	.	.	PUNCT
fsr-3442	777	1	for	for	ADP
fsr-3442	777	2	the	the	DET
fsr-3442	777	3	impact	impact	NOUN
fsr-3442	777	4	of	of	ADP
fsr-3442	777	5	age	age	NOUN
fsr-3442	777	6	,	,	PUNCT
fsr-3442	777	7	households	household	NOUN
fsr-3442	777	8	with	with	ADP
fsr-3442	777	9	young	young	ADJ
fsr-3442	777	10	individuals	individual	NOUN
fsr-3442	777	11	between	between	ADP
fsr-3442	777	12	ages	age	NOUN
fsr-3442	777	13	18	18	NUM
fsr-3442	777	14	and	and	CCONJ
fsr-3442	777	15	34	34	NUM
fsr-3442	777	16	show	show	VERB
fsr-3442	777	17	higher	high	ADJ
fsr-3442	777	18	positive	positive	ADJ
fsr-3442	777	19	financial	financial	ADJ
fsr-3442	777	20	behaviors	behavior	NOUN
fsr-3442	777	21	than	than	ADP
fsr-3442	777	22	those	those	PRON
fsr-3442	777	23	with	with	ADP
fsr-3442	777	24	older	old	ADJ
fsr-3442	777	25	individuals	individual	NOUN
fsr-3442	777	26	with	with	ADP
fsr-3442	777	27	ages	age	NOUN
fsr-3442	777	28	between	between	ADP
fsr-3442	777	29	50	50	NUM
fsr-3442	777	30	and	and	CCONJ
fsr-3442	777	31	64	64	NUM
fsr-3442	777	32	.	.	NOUN
fsr-3442	778	1	5	5	NUM
fsr-3442	778	2	.	.	X
fsr-3442	778	3	conclusions	conclusion	NOUN
fsr-3442	778	4	and	and	CCONJ
fsr-3442	778	5	implications	implication	NOUN
fsr-3442	778	6	given	give	VERB
fsr-3442	778	7	the	the	DET
fsr-3442	778	8	rapid	rapid	ADJ
fsr-3442	778	9	growth	growth	NOUN
fsr-3442	778	10	of	of	ADP
fsr-3442	778	11	technology	technology	NOUN
fsr-3442	778	12	innovation	innovation	NOUN
fsr-3442	778	13	in	in	ADP
fsr-3442	778	14	the	the	DET
fsr-3442	778	15	finance	finance	NOUN
fsr-3442	778	16	sector	sector	NOUN
fsr-3442	779	1	,	,	PUNCT
fsr-3442	779	2	it	it	PRON
fsr-3442	779	3	is	be	AUX
fsr-3442	779	4	natural	natural	ADJ
fsr-3442	779	5	to	to	PART
fsr-3442	779	6	ask	ask	VERB
fsr-3442	779	7	whether	whether	SCONJ
fsr-3442	779	8	these	these	DET
fsr-3442	779	9	technologies	technology	NOUN
fsr-3442	779	10	help	help	VERB
fsr-3442	779	11	households	household	NOUN
fsr-3442	779	12	engage	engage	VERB
fsr-3442	779	13	in	in	ADP
fsr-3442	779	14	positive	positive	ADJ
fsr-3442	779	15	financial	financial	ADJ
fsr-3442	779	16	behaviors	behavior	NOUN
fsr-3442	779	17	.	.	PUNCT
fsr-3442	780	1	using	use	VERB
fsr-3442	780	2	q.	q.	PROPN
fsr-3442	780	3	bi	bi	PROPN
fsr-3442	780	4	et	et	PROPN
fsr-3442	780	5	al	al	PROPN
fsr-3442	780	6	.	.	PUNCT
fsr-3442	780	7	/	/	SYM
fsr-3442	780	8	financial	financial	ADJ
fsr-3442	780	9	services	service	NOUN
fsr-3442	780	10	review	review	VERB
fsr-3442	780	11	29	29	NUM
fsr-3442	780	12	(	(	PUNCT
fsr-3442	780	13	2021	2021	NUM
fsr-3442	780	14	)	)	PUNCT
fsr-3442	780	15	29–54	29–54	NUM
fsr-3442	780	16	49	49	NUM
fsr-3442	780	17	the	the	DET
fsr-3442	780	18	2013	2013	NUM
fsr-3442	780	19	survey	survey	NOUN
fsr-3442	780	20	of	of	ADP
fsr-3442	780	21	consumer	consumer	NOUN
fsr-3442	780	22	finances	finance	NOUN
fsr-3442	780	23	commissioned	commission	VERB
fsr-3442	780	24	by	by	ADP
fsr-3442	780	25	the	the	DET
fsr-3442	780	26	federal	federal	PROPN
fsr-3442	780	27	reserve	reserve	PROPN
fsr-3442	780	28	board	board	PROPN
fsr-3442	780	29	,	,	PUNCT
fsr-3442	780	30	this	this	DET
fsr-3442	780	31	study	study	NOUN
fsr-3442	780	32	found	find	VERB
fsr-3442	780	33	that	that	SCONJ
fsr-3442	780	34	not	not	PART
fsr-3442	780	35	all	all	DET
fsr-3442	780	36	kinds	kind	NOUN
fsr-3442	780	37	of	of	ADP
fsr-3442	780	38	financial	financial	ADJ
fsr-3442	780	39	technologies	technology	NOUN
fsr-3442	780	40	are	be	AUX
fsr-3442	780	41	helpful	helpful	ADJ
fsr-3442	780	42	for	for	ADP
fsr-3442	780	43	households	household	NOUN
fsr-3442	780	44	’	'	PUNCT
fsr-3442	780	45	engagement	engagement	NOUN
fsr-3442	780	46	in	in	ADP
fsr-3442	780	47	positive	positive	ADJ
fsr-3442	780	48	financial	financial	ADJ
fsr-3442	780	49	behaviors	behavior	NOUN
fsr-3442	780	50	.	.	PUNCT
fsr-3442	781	1	in	in	ADP
fsr-3442	781	2	this	this	DET
fsr-3442	781	3	study	study	NOUN
fsr-3442	781	4	,	,	PUNCT
fsr-3442	781	5	we	we	PRON
fsr-3442	781	6	use	use	VERB
fsr-3442	781	7	a	a	DET
fsr-3442	781	8	life	life	NOUN
fsr-3442	781	9	cycle	cycle	NOUN
fsr-3442	781	10	and	and	CCONJ
fsr-3442	781	11	human	human	ADJ
fsr-3442	781	12	capital	capital	NOUN
fsr-3442	781	13	theoretical	theoretical	ADJ
fsr-3442	781	14	framework	framework	NOUN
fsr-3442	781	15	to	to	PART
fsr-3442	781	16	illustrate	illustrate	VERB
fsr-3442	781	17	the	the	DET
fsr-3442	781	18	impact	impact	NOUN
fsr-3442	781	19	of	of	ADP
fsr-3442	781	20	financial	financial	ADJ
fsr-3442	781	21	technology	technology	NOUN
fsr-3442	781	22	on	on	ADP
fsr-3442	781	23	household	household	NOUN
fsr-3442	781	24	financial	financial	ADJ
fsr-3442	781	25	behavior	behavior	NOUN
fsr-3442	781	26	.	.	PUNCT
fsr-3442	782	1	consistent	consistent	ADJ
fsr-3442	782	2	with	with	ADP
fsr-3442	782	3	the	the	DET
fsr-3442	782	4	theoretical	theoretical	ADJ
fsr-3442	782	5	framework	framework	NOUN
fsr-3442	782	6	,	,	PUNCT
fsr-3442	782	7	we	we	PRON
fsr-3442	782	8	find	find	VERB
fsr-3442	782	9	that	that	SCONJ
fsr-3442	782	10	financial	financial	ADJ
fsr-3442	782	11	technology	technology	NOUN
fsr-3442	782	12	-	-	PUNCT
fsr-3442	782	13	specific	specific	ADJ
fsr-3442	782	14	household	household	NOUN
fsr-3442	782	15	capital	capital	NOUN
fsr-3442	782	16	has	have	VERB
fsr-3442	782	17	a	a	DET
fsr-3442	782	18	significant	significant	ADJ
fsr-3442	782	19	impact	impact	NOUN
fsr-3442	782	20	on	on	ADP
fsr-3442	782	21	positive	positive	ADJ
fsr-3442	782	22	financial	financial	ADJ
fsr-3442	782	23	behaviors	behavior	NOUN
fsr-3442	782	24	but	but	CCONJ
fsr-3442	782	25	not	not	PART
fsr-3442	782	26	all	all	DET
fsr-3442	782	27	types	type	NOUN
fsr-3442	782	28	of	of	ADP
fsr-3442	782	29	financial	financial	ADJ
fsr-3442	782	30	technology	technology	NOUN
fsr-3442	782	31	will	will	AUX
fsr-3442	782	32	enhance	enhance	VERB
fsr-3442	782	33	positive	positive	ADJ
fsr-3442	782	34	financial	financial	ADJ
fsr-3442	782	35	behaviors	behavior	NOUN
fsr-3442	782	36	.	.	PUNCT
fsr-3442	783	1	specifically	specifically	ADV
fsr-3442	783	2	,	,	PUNCT
fsr-3442	783	3	we	we	PRON
fsr-3442	783	4	found	find	VERB
fsr-3442	783	5	transaction	transaction	NOUN
fsr-3442	783	6	-	-	PUNCT
fsr-3442	783	7	based	base	VERB
fsr-3442	783	8	financial	financial	ADJ
fsr-3442	783	9	technologies	technology	NOUN
fsr-3442	783	10	like	like	ADP
fsr-3442	783	11	atm	atm	NOUN
fsr-3442	783	12	card	card	NOUN
fsr-3442	783	13	use	use	NOUN
fsr-3442	783	14	,	,	PUNCT
fsr-3442	783	15	credit	credit	NOUN
fsr-3442	783	16	card	card	NOUN
fsr-3442	783	17	use	use	NOUN
fsr-3442	783	18	,	,	PUNCT
fsr-3442	783	19	phone	phone	NOUN
fsr-3442	783	20	banking	banking	NOUN
fsr-3442	783	21	,	,	PUNCT
fsr-3442	783	22	and	and	CCONJ
fsr-3442	783	23	computer	computer	NOUN
fsr-3442	783	24	banking	banking	NOUN
fsr-3442	783	25	have	have	VERB
fsr-3442	783	26	a	a	DET
fsr-3442	783	27	negative	negative	ADJ
fsr-3442	783	28	impact	impact	NOUN
fsr-3442	783	29	on	on	ADP
fsr-3442	783	30	the	the	DET
fsr-3442	783	31	number	number	NOUN
fsr-3442	783	32	of	of	ADP
fsr-3442	783	33	positive	positive	ADJ
fsr-3442	783	34	financial	financial	ADJ
fsr-3442	783	35	behaviors	behavior	NOUN
fsr-3442	783	36	reported	report	VERB
fsr-3442	783	37	.	.	PUNCT
fsr-3442	784	1	providing	provide	VERB
fsr-3442	784	2	easy	easy	ADJ
fsr-3442	784	3	access	access	NOUN
fsr-3442	784	4	to	to	ADP
fsr-3442	784	5	bank	bank	NOUN
fsr-3442	784	6	accounts	account	NOUN
fsr-3442	784	7	may	may	AUX
fsr-3442	784	8	encourage	encourage	VERB
fsr-3442	784	9	people	people	NOUN
fsr-3442	784	10	to	to	PART
fsr-3442	784	11	overspend	overspend	VERB
fsr-3442	784	12	in	in	ADP
fsr-3442	784	13	current	current	ADJ
fsr-3442	784	14	periods	period	NOUN
fsr-3442	784	15	,	,	PUNCT
fsr-3442	784	16	especially	especially	ADV
fsr-3442	784	17	for	for	ADP
fsr-3442	784	18	those	those	PRON
fsr-3442	784	19	with	with	ADP
fsr-3442	784	20	self	self	NOUN
fsr-3442	784	21	-	-	PUNCT
fsr-3442	784	22	control	control	NOUN
fsr-3442	784	23	issues	issue	NOUN
fsr-3442	784	24	.	.	PUNCT
fsr-3442	785	1	in	in	ADP
fsr-3442	785	2	contrast	contrast	NOUN
fsr-3442	785	3	,	,	PUNCT
fsr-3442	785	4	planning	planning	NOUN
fsr-3442	785	5	-	-	PUNCT
fsr-3442	785	6	based	base	VERB
fsr-3442	785	7	financial	financial	ADJ
fsr-3442	785	8	technologies	technology	NOUN
fsr-3442	785	9	like	like	ADP
fsr-3442	785	10	direct	direct	ADJ
fsr-3442	785	11	deposit	deposit	NOUN
fsr-3442	785	12	and	and	CCONJ
fsr-3442	785	13	computer	computer	NOUN
fsr-3442	785	14	software	software	NOUN
fsr-3442	785	15	use	use	NOUN
fsr-3442	785	16	have	have	VERB
fsr-3442	785	17	positive	positive	ADJ
fsr-3442	785	18	impact	impact	NOUN
fsr-3442	785	19	on	on	ADP
fsr-3442	785	20	the	the	DET
fsr-3442	785	21	number	number	NOUN
fsr-3442	785	22	of	of	ADP
fsr-3442	785	23	positive	positive	ADJ
fsr-3442	785	24	financial	financial	ADJ
fsr-3442	785	25	behaviors	behavior	NOUN
fsr-3442	785	26	.	.	PUNCT
fsr-3442	786	1	financial	financial	ADJ
fsr-3442	786	2	sophistication	sophistication	NOUN
fsr-3442	786	3	,	,	PUNCT
fsr-3442	786	4	general	general	ADJ
fsr-3442	786	5	household	household	NOUN
fsr-3442	786	6	capital	capital	NOUN
fsr-3442	786	7	such	such	ADJ
fsr-3442	786	8	as	as	ADP
fsr-3442	786	9	age	age	NOUN
fsr-3442	786	10	and	and	CCONJ
fsr-3442	786	11	education	education	NOUN
fsr-3442	786	12	,	,	PUNCT
fsr-3442	786	13	financial	financial	ADJ
fsr-3442	786	14	resources	resource	NOUN
fsr-3442	786	15	,	,	PUNCT
fsr-3442	786	16	and	and	CCONJ
fsr-3442	786	17	other	other	ADJ
fsr-3442	786	18	resources	resource	NOUN
fsr-3442	786	19	such	such	ADJ
fsr-3442	786	20	as	as	ADP
fsr-3442	786	21	expectation	expectation	NOUN
fsr-3442	786	22	on	on	ADP
fsr-3442	786	23	the	the	DET
fsr-3442	786	24	economy	economy	NOUN
fsr-3442	786	25	and	and	CCONJ
fsr-3442	786	26	risk	risk	NOUN
fsr-3442	786	27	tolerance	tolerance	NOUN
fsr-3442	786	28	are	be	AUX
fsr-3442	786	29	also	also	ADV
fsr-3442	786	30	found	find	VERB
fsr-3442	786	31	to	to	PART
fsr-3442	786	32	have	have	VERB
fsr-3442	786	33	a	a	DET
fsr-3442	786	34	significant	significant	ADJ
fsr-3442	786	35	impact	impact	NOUN
fsr-3442	786	36	on	on	ADP
fsr-3442	786	37	positive	positive	ADJ
fsr-3442	786	38	financial	financial	ADJ
fsr-3442	786	39	behavior	behavior	NOUN
fsr-3442	786	40	.	.	PUNCT
fsr-3442	787	1	given	give	VERB
fsr-3442	787	2	the	the	DET
fsr-3442	787	3	findings	finding	NOUN
fsr-3442	787	4	of	of	ADP
fsr-3442	787	5	this	this	DET
fsr-3442	787	6	study	study	NOUN
fsr-3442	787	7	,	,	PUNCT
fsr-3442	787	8	we	we	PRON
fsr-3442	787	9	suggest	suggest	VERB
fsr-3442	787	10	financial	financial	ADJ
fsr-3442	787	11	planners	planner	NOUN
fsr-3442	787	12	and	and	CCONJ
fsr-3442	787	13	financial	financial	ADJ
fsr-3442	787	14	educators	educator	NOUN
fsr-3442	787	15	encourage	encourage	VERB
fsr-3442	787	16	clients	client	NOUN
fsr-3442	787	17	and	and	CCONJ
fsr-3442	787	18	individuals	individual	NOUN
fsr-3442	787	19	to	to	PART
fsr-3442	787	20	use	use	VERB
fsr-3442	787	21	planning	planning	NOUN
fsr-3442	787	22	-	-	PUNCT
fsr-3442	787	23	based	base	VERB
fsr-3442	787	24	financial	financial	ADJ
fsr-3442	787	25	technologies	technology	NOUN
fsr-3442	787	26	such	such	ADJ
fsr-3442	787	27	as	as	ADP
fsr-3442	787	28	computer	computer	NOUN
fsr-3442	787	29	software	software	NOUN
fsr-3442	787	30	.	.	PUNCT
fsr-3442	788	1	financial	financial	ADJ
fsr-3442	788	2	planners	planner	NOUN
fsr-3442	788	3	must	must	AUX
fsr-3442	788	4	focus	focus	VERB
fsr-3442	788	5	on	on	ADP
fsr-3442	788	6	improving	improve	VERB
fsr-3442	788	7	clients	client	NOUN
fsr-3442	788	8	’	'	PUNCT
fsr-3442	788	9	personal	personal	ADJ
fsr-3442	788	10	finance	finance	NOUN
fsr-3442	788	11	management	management	NOUN
fsr-3442	788	12	skills	skill	NOUN
fsr-3442	788	13	by	by	ADP
fsr-3442	788	14	emphasizing	emphasize	VERB
fsr-3442	788	15	the	the	DET
fsr-3442	788	16	importance	importance	NOUN
fsr-3442	788	17	to	to	PART
fsr-3442	788	18	think	think	VERB
fsr-3442	788	19	from	from	ADP
fsr-3442	788	20	a	a	DET
fsr-3442	788	21	long	long	ADJ
fsr-3442	788	22	-	-	PUNCT
fsr-3442	788	23	term	term	NOUN
fsr-3442	788	24	perspective	perspective	NOUN
fsr-3442	788	25	when	when	SCONJ
fsr-3442	788	26	making	make	VERB
fsr-3442	788	27	financial	financial	ADJ
fsr-3442	788	28	decisions	decision	NOUN
fsr-3442	788	29	.	.	PUNCT
fsr-3442	789	1	although	although	SCONJ
fsr-3442	789	2	the	the	DET
fsr-3442	789	3	effectiveness	effectiveness	NOUN
fsr-3442	789	4	of	of	ADP
fsr-3442	789	5	financial	financial	ADJ
fsr-3442	789	6	education	education	NOUN
fsr-3442	789	7	programs	program	NOUN
fsr-3442	789	8	is	be	AUX
fsr-3442	789	9	mixed	mixed	ADJ
fsr-3442	789	10	(	(	PUNCT
fsr-3442	789	11	willis	willis	PROPN
fsr-3442	789	12	,	,	PUNCT
fsr-3442	789	13	2008	2008	NUM
fsr-3442	789	14	)	)	PUNCT
fsr-3442	789	15	,	,	PUNCT
fsr-3442	789	16	it	it	PRON
fsr-3442	789	17	is	be	AUX
fsr-3442	789	18	important	important	ADJ
fsr-3442	789	19	to	to	PART
fsr-3442	789	20	educate	educate	VERB
fsr-3442	789	21	households	household	NOUN
fsr-3442	789	22	on	on	ADP
fsr-3442	789	23	the	the	DET
fsr-3442	789	24	effective	effective	ADJ
fsr-3442	789	25	use	use	NOUN
fsr-3442	789	26	of	of	ADP
fsr-3442	789	27	tools	tool	NOUN
fsr-3442	789	28	to	to	PART
fsr-3442	789	29	change	change	VERB
fsr-3442	789	30	their	their	PRON
fsr-3442	789	31	financial	financial	ADJ
fsr-3442	789	32	behaviors	behavior	NOUN
fsr-3442	789	33	,	,	PUNCT
fsr-3442	789	34	rather	rather	ADV
fsr-3442	789	35	than	than	ADP
fsr-3442	789	36	simply	simply	ADV
fsr-3442	789	37	delivering	deliver	VERB
fsr-3442	789	38	financial	financial	ADJ
fsr-3442	789	39	education	education	NOUN
fsr-3442	789	40	.	.	PUNCT
fsr-3442	790	1	to	to	PART
fsr-3442	790	2	take	take	VERB
fsr-3442	790	3	full	full	ADJ
fsr-3442	790	4	advantage	advantage	NOUN
fsr-3442	790	5	of	of	ADP
fsr-3442	790	6	financial	financial	ADJ
fsr-3442	790	7	technology	technology	NOUN
fsr-3442	790	8	,	,	PUNCT
fsr-3442	790	9	consumers	consumer	NOUN
fsr-3442	790	10	and	and	CCONJ
fsr-3442	790	11	professionals	professional	NOUN
fsr-3442	790	12	that	that	PRON
fsr-3442	790	13	assist	assist	VERB
fsr-3442	790	14	consumers	consumer	NOUN
fsr-3442	790	15	need	need	VERB
fsr-3442	790	16	to	to	PART
fsr-3442	790	17	be	be	AUX
fsr-3442	790	18	aware	aware	ADJ
fsr-3442	790	19	of	of	ADP
fsr-3442	790	20	what	what	PRON
fsr-3442	790	21	types	type	NOUN
fsr-3442	790	22	of	of	ADP
fsr-3442	790	23	technology	technology	NOUN
fsr-3442	790	24	will	will	AUX
fsr-3442	790	25	help	help	VERB
fsr-3442	790	26	in	in	ADP
fsr-3442	790	27	achieving	achieve	VERB
fsr-3442	790	28	higher	high	ADJ
fsr-3442	790	29	financial	financial	ADJ
fsr-3442	790	30	satisfaction	satisfaction	NOUN
fsr-3442	790	31	over	over	ADP
fsr-3442	790	32	the	the	DET
fsr-3442	790	33	long	long	ADJ
fsr-3442	790	34	run	run	NOUN
fsr-3442	790	35	.	.	PUNCT
fsr-3442	791	1	our	our	PRON
fsr-3442	791	2	findings	finding	NOUN
fsr-3442	791	3	in	in	ADP
fsr-3442	791	4	this	this	DET
fsr-3442	791	5	study	study	NOUN
fsr-3442	791	6	suggest	suggest	VERB
fsr-3442	791	7	that	that	SCONJ
fsr-3442	791	8	simply	simply	ADV
fsr-3442	791	9	providing	provide	VERB
fsr-3442	791	10	financial	financial	ADJ
fsr-3442	791	11	technology	technology	NOUN
fsr-3442	791	12	to	to	PART
fsr-3442	791	13	complete	complete	VERB
fsr-3442	791	14	transactions	transaction	NOUN
fsr-3442	791	15	does	do	AUX
fsr-3442	791	16	not	not	PART
fsr-3442	791	17	appear	appear	VERB
fsr-3442	791	18	to	to	PART
fsr-3442	791	19	improve	improve	VERB
fsr-3442	791	20	household	household	NOUN
fsr-3442	791	21	financial	financial	ADJ
fsr-3442	791	22	well	well	ADV
fsr-3442	791	23	-	-	PUNCT
fsr-3442	791	24	being	being	NOUN
fsr-3442	791	25	.	.	PUNCT
fsr-3442	792	1	only	only	ADV
fsr-3442	792	2	planning	planning	NOUN
fsr-3442	792	3	-	-	PUNCT
fsr-3442	792	4	based	base	VERB
fsr-3442	792	5	financial	financial	ADJ
fsr-3442	792	6	technologies	technology	NOUN
fsr-3442	792	7	have	have	VERB
fsr-3442	792	8	a	a	DET
fsr-3442	792	9	positive	positive	ADJ
fsr-3442	792	10	impact	impact	NOUN
fsr-3442	792	11	on	on	ADP
fsr-3442	792	12	household	household	NOUN
fsr-3442	792	13	financial	financial	ADJ
fsr-3442	792	14	well	well	ADV
fsr-3442	792	15	-	-	PUNCT
fsr-3442	792	16	being	being	NOUN
fsr-3442	792	17	and	and	CCONJ
fsr-3442	792	18	hence	hence	ADV
fsr-3442	792	19	should	should	AUX
fsr-3442	792	20	be	be	AUX
fsr-3442	792	21	given	give	VERB
fsr-3442	792	22	more	more	ADJ
fsr-3442	792	23	attention	attention	NOUN
fsr-3442	792	24	in	in	ADP
fsr-3442	792	25	terms	term	NOUN
fsr-3442	792	26	of	of	ADP
fsr-3442	792	27	technology	technology	NOUN
fsr-3442	792	28	development	development	NOUN
fsr-3442	792	29	and	and	CCONJ
fsr-3442	792	30	marketing	marketing	NOUN
fsr-3442	792	31	perspectives	perspective	NOUN
fsr-3442	792	32	.	.	PUNCT
fsr-3442	793	1	for	for	ADP
fsr-3442	793	2	example	example	NOUN
fsr-3442	793	3	,	,	PUNCT
fsr-3442	793	4	hyperbolic	hyperbolic	ADJ
fsr-3442	793	5	consumers	consumer	NOUN
fsr-3442	793	6	are	be	AUX
fsr-3442	793	7	those	those	PRON
fsr-3442	793	8	who	who	PRON
fsr-3442	793	9	know	know	VERB
fsr-3442	793	10	that	that	SCONJ
fsr-3442	793	11	they	they	PRON
fsr-3442	793	12	should	should	AUX
fsr-3442	793	13	save	save	VERB
fsr-3442	793	14	for	for	ADP
fsr-3442	793	15	the	the	DET
fsr-3442	793	16	future	future	NOUN
fsr-3442	793	17	but	but	CCONJ
fsr-3442	793	18	it	it	PRON
fsr-3442	793	19	is	be	AUX
fsr-3442	793	20	hard	hard	ADJ
fsr-3442	793	21	for	for	SCONJ
fsr-3442	793	22	them	they	PRON
fsr-3442	793	23	to	to	PART
fsr-3442	793	24	give	give	VERB
fsr-3442	793	25	up	up	ADP
fsr-3442	793	26	current	current	ADJ
fsr-3442	793	27	consumption	consumption	NOUN
fsr-3442	793	28	(	(	PUNCT
fsr-3442	793	29	angeletos	angeletos	NOUN
fsr-3442	793	30	et	et	NOUN
fsr-3442	793	31	al	al	PROPN
fsr-3442	793	32	.	.	PROPN
fsr-3442	793	33	,	,	PUNCT
fsr-3442	793	34	2001	2001	NUM
fsr-3442	793	35	)	)	PUNCT
fsr-3442	793	36	.	.	PUNCT
fsr-3442	794	1	guiding	guide	VERB
fsr-3442	794	2	these	these	DET
fsr-3442	794	3	myopic	myopic	ADJ
fsr-3442	794	4	consumers	consumer	NOUN
fsr-3442	794	5	through	through	ADP
fsr-3442	794	6	planning	planning	NOUN
fsr-3442	794	7	-	-	PUNCT
fsr-3442	794	8	based	base	VERB
fsr-3442	794	9	financial	financial	ADJ
fsr-3442	794	10	technology	technology	NOUN
fsr-3442	794	11	may	may	AUX
fsr-3442	794	12	be	be	AUX
fsr-3442	794	13	an	an	DET
fsr-3442	794	14	effective	effective	ADJ
fsr-3442	794	15	way	way	NOUN
fsr-3442	794	16	to	to	PART
fsr-3442	794	17	enhance	enhance	VERB
fsr-3442	794	18	their	their	PRON
fsr-3442	794	19	financial	financial	ADJ
fsr-3442	794	20	behaviors	behavior	NOUN
fsr-3442	794	21	because	because	SCONJ
fsr-3442	794	22	it	it	PRON
fsr-3442	794	23	helps	help	VERB
fsr-3442	794	24	them	they	PRON
fsr-3442	794	25	create	create	VERB
fsr-3442	794	26	commitment	commitment	NOUN
fsr-3442	794	27	devices	device	NOUN
fsr-3442	794	28	to	to	PART
fsr-3442	794	29	realize	realize	VERB
fsr-3442	794	30	the	the	DET
fsr-3442	794	31	benefit	benefit	NOUN
fsr-3442	794	32	from	from	ADP
fsr-3442	794	33	engaging	engage	VERB
fsr-3442	794	34	long	long	ADJ
fsr-3442	794	35	-	-	PUNCT
fsr-3442	794	36	term	term	NOUN
fsr-3442	794	37	financial	financial	ADJ
fsr-3442	794	38	practices	practice	NOUN
fsr-3442	794	39	that	that	PRON
fsr-3442	794	40	are	be	AUX
fsr-3442	794	41	consistent	consistent	ADJ
fsr-3442	794	42	with	with	ADP
fsr-3442	794	43	maximizing	maximize	VERB
fsr-3442	794	44	lifetime	lifetime	NOUN
fsr-3442	794	45	utility	utility	NOUN
fsr-3442	794	46	.	.	PUNCT
fsr-3442	795	1	we	we	PRON
fsr-3442	795	2	realize	realize	VERB
fsr-3442	795	3	that	that	SCONJ
fsr-3442	795	4	there	there	PRON
fsr-3442	795	5	are	be	VERB
fsr-3442	795	6	limitations	limitation	NOUN
fsr-3442	795	7	in	in	ADP
fsr-3442	795	8	our	our	PRON
fsr-3442	795	9	study	study	NOUN
fsr-3442	795	10	.	.	PUNCT
fsr-3442	796	1	because	because	SCONJ
fsr-3442	796	2	of	of	ADP
fsr-3442	796	3	data	datum	NOUN
fsr-3442	796	4	constraints	constraint	NOUN
fsr-3442	796	5	,	,	PUNCT
fsr-3442	796	6	the	the	DET
fsr-3442	796	7	positive	positive	ADJ
fsr-3442	796	8	financial	financial	ADJ
fsr-3442	796	9	behavior	behavior	NOUN
fsr-3442	796	10	indexes	index	NOUN
fsr-3442	796	11	used	use	VERB
fsr-3442	796	12	in	in	ADP
fsr-3442	796	13	this	this	DET
fsr-3442	796	14	study	study	NOUN
fsr-3442	796	15	cover	cover	VERB
fsr-3442	796	16	only	only	ADV
fsr-3442	796	17	a	a	DET
fsr-3442	796	18	few	few	ADJ
fsr-3442	796	19	,	,	PUNCT
fsr-3442	796	20	not	not	PART
fsr-3442	796	21	all	all	PRON
fsr-3442	796	22	,	,	PUNCT
fsr-3442	796	23	positive	positive	ADJ
fsr-3442	796	24	financial	financial	ADJ
fsr-3442	796	25	behaviors	behavior	NOUN
fsr-3442	796	26	.	.	PUNCT
fsr-3442	797	1	also	also	ADV
fsr-3442	797	2	,	,	PUNCT
fsr-3442	797	3	we	we	PRON
fsr-3442	797	4	do	do	AUX
fsr-3442	797	5	not	not	PART
fsr-3442	797	6	look	look	VERB
fsr-3442	797	7	at	at	ADP
fsr-3442	797	8	the	the	DET
fsr-3442	797	9	various	various	ADJ
fsr-3442	797	10	types	type	NOUN
fsr-3442	797	11	of	of	ADP
fsr-3442	797	12	computer	computer	NOUN
fsr-3442	797	13	software	software	NOUN
fsr-3442	797	14	that	that	PRON
fsr-3442	797	15	are	be	AUX
fsr-3442	797	16	used	use	VERB
fsr-3442	797	17	by	by	ADP
fsr-3442	797	18	households	household	NOUN
fsr-3442	797	19	to	to	PART
fsr-3442	797	20	help	help	VERB
fsr-3442	797	21	manage	manage	VERB
fsr-3442	797	22	their	their	PRON
fsr-3442	797	23	finance	finance	NOUN
fsr-3442	797	24	use	use	NOUN
fsr-3442	797	25	in	in	ADP
fsr-3442	797	26	this	this	DET
fsr-3442	797	27	study	study	NOUN
fsr-3442	797	28	.	.	PUNCT
fsr-3442	798	1	future	future	ADJ
fsr-3442	798	2	research	research	NOUN
fsr-3442	798	3	could	could	AUX
fsr-3442	798	4	explore	explore	VERB
fsr-3442	798	5	households	household	NOUN
fsr-3442	798	6	that	that	PRON
fsr-3442	798	7	switch	switch	VERB
fsr-3442	798	8	financial	financial	ADJ
fsr-3442	798	9	technology	technology	NOUN
fsr-3442	798	10	and	and	CCONJ
fsr-3442	798	11	examine	examine	VERB
fsr-3442	798	12	the	the	DET
fsr-3442	798	13	impact	impact	NOUN
fsr-3442	798	14	of	of	ADP
fsr-3442	798	15	this	this	DET
fsr-3442	798	16	change	change	NOUN
fsr-3442	798	17	on	on	ADP
fsr-3442	798	18	their	their	PRON
fsr-3442	798	19	positive	positive	ADJ
fsr-3442	798	20	financial	financial	ADJ
fsr-3442	798	21	behaviors	behavior	NOUN
fsr-3442	798	22	engagement	engagement	NOUN
fsr-3442	798	23	.	.	PUNCT
fsr-3442	799	1	50	50	NUM
fsr-3442	799	2	q.	q.	NOUN
fsr-3442	799	3	bi	bi	NOUN
fsr-3442	799	4	et	et	PROPN
fsr-3442	799	5	al	al	PROPN
fsr-3442	799	6	.	.	PUNCT
fsr-3442	799	7	/	/	SYM
fsr-3442	799	8	financial	financial	ADJ
fsr-3442	799	9	services	service	NOUN
fsr-3442	799	10	review	review	VERB
fsr-3442	799	11	29	29	NUM
fsr-3442	799	12	(	(	PUNCT
fsr-3442	799	13	2021	2021	NUM
fsr-3442	799	14	)	)	PUNCT
fsr-3442	799	15	29–54	29–54	NUM
fsr-3442	799	16	notes	note	NOUN
fsr-3442	799	17	1	1	NUM
fsr-3442	799	18	see	see	NOUN
fsr-3442	799	19	https://newsroom.transunion.com/consumers-poised-to-continue-strong-creditactivity-this-holiday-season	https://newsroom.transunion.com/consumers-poised-to-continue-strong-creditactivity-this-holiday-season	NOUN
fsr-3442	799	20	2	2	NUM
fsr-3442	799	21	the	the	DET
fsr-3442	799	22	data	datum	NOUN
fsr-3442	799	23	is	be	AUX
fsr-3442	799	24	available	available	ADJ
fsr-3442	799	25	on	on	ADP
fsr-3442	799	26	federal	federal	PROPN
fsr-3442	799	27	reserve	reserve	NOUN
fsr-3442	799	28	at	at	ADP
fsr-3442	799	29	https://www.federalreserve.gov/econres/	https://www.federalreserve.gov/econres/	ADV
fsr-3442	799	30	scfindex.htm	scfindex.htm	X
fsr-3442	799	31	3	3	NUM
fsr-3442	799	32	the	the	DET
fsr-3442	799	33	2013	2013	NUM
fsr-3442	799	34	scf	scf	PROPN
fsr-3442	799	35	collect	collect	NOUN
fsr-3442	799	36	data	datum	NOUN
fsr-3442	799	37	using	use	VERB
fsr-3442	799	38	computer	computer	NOUN
fsr-3442	799	39	-	-	PUNCT
fsr-3442	799	40	assisted	assist	VERB
fsr-3442	799	41	personal	personal	ADJ
fsr-3442	799	42	interviewing	interviewing	NOUN
fsr-3442	799	43	(	(	PUNCT
fsr-3442	799	44	capi	capi	NOUN
fsr-3442	799	45	)	)	PUNCT
fsr-3442	799	46	.	.	PUNCT
fsr-3442	800	1	thus	thus	ADV
fsr-3442	800	2	,	,	PUNCT
fsr-3442	800	3	there	there	PRON
fsr-3442	800	4	is	be	VERB
fsr-3442	800	5	no	no	DET
fsr-3442	800	6	questionnaire	questionnaire	NOUN
fsr-3442	800	7	in	in	ADP
fsr-3442	800	8	the	the	DET
fsr-3442	800	9	usual	usual	ADJ
fsr-3442	800	10	sense	sense	NOUN
fsr-3442	800	11	.	.	PUNCT
fsr-3442	801	1	scf	scf	PROPN
fsr-3442	801	2	uses	use	VERB
fsr-3442	801	3	a	a	DET
fsr-3442	801	4	dual	dual	ADJ
fsr-3442	801	5	-	-	PUNCT
fsr-3442	801	6	frame	frame	NOUN
fsr-3442	801	7	sample	sample	NOUN
fsr-3442	801	8	design	design	NOUN
fsr-3442	801	9	consisting	consist	VERB
fsr-3442	801	10	of	of	ADP
fsr-3442	801	11	a	a	DET
fsr-3442	801	12	standard	standard	NOUN
fsr-3442	801	13	,	,	PUNCT
fsr-3442	801	14	geographically	geographically	ADV
fsr-3442	801	15	based	base	VERB
fsr-3442	801	16	random	random	ADJ
fsr-3442	801	17	sample	sample	NOUN
fsr-3442	801	18	and	and	CCONJ
fsr-3442	801	19	an	an	DET
fsr-3442	801	20	oversample	oversample	NOUN
fsr-3442	801	21	of	of	ADP
fsr-3442	801	22	affluent	affluent	ADJ
fsr-3442	801	23	households	household	NOUN
fsr-3442	801	24	.	.	PUNCT
fsr-3442	802	1	missing	miss	VERB
fsr-3442	802	2	values	value	NOUN
fsr-3442	802	3	are	be	AUX
fsr-3442	802	4	imputed	impute	VERB
fsr-3442	802	5	by	by	ADP
fsr-3442	802	6	making	make	VERB
fsr-3442	802	7	multiple	multiple	ADJ
fsr-3442	802	8	estimates	estimate	NOUN
fsr-3442	802	9	of	of	ADP
fsr-3442	802	10	the	the	DET
fsr-3442	802	11	missing	miss	VERB
fsr-3442	802	12	data	datum	NOUN
fsr-3442	802	13	and	and	CCONJ
fsr-3442	802	14	creating	create	VERB
fsr-3442	802	15	five	five	NUM
fsr-3442	802	16	implicate	implicate	ADJ
fsr-3442	802	17	data	data	NOUN
fsr-3442	802	18	sets	set	NOUN
fsr-3442	802	19	.	.	PUNCT
fsr-3442	803	1	we	we	PRON
fsr-3442	803	2	use	use	VERB
fsr-3442	803	3	all	all	DET
fsr-3442	803	4	five	five	NUM
fsr-3442	803	5	implicates	implicate	NOUN
fsr-3442	803	6	to	to	PART
fsr-3442	803	7	avoid	avoid	VERB
fsr-3442	803	8	inaccurate	inaccurate	ADJ
fsr-3442	803	9	results	result	NOUN
fsr-3442	803	10	on	on	ADP
fsr-3442	803	11	the	the	DET
fsr-3442	803	12	significant	significant	ADJ
fsr-3442	803	13	test	test	NOUN
fsr-3442	803	14	(	(	PUNCT
fsr-3442	803	15	rubin	rubin	PROPN
fsr-3442	803	16	,	,	PUNCT
fsr-3442	803	17	1987	1987	NUM
fsr-3442	803	18	)	)	PUNCT
fsr-3442	803	19	.	.	PUNCT
fsr-3442	804	1	4	4	NUM
fsr-3442	804	2	two	two	NUM
fsr-3442	804	3	main	main	ADJ
fsr-3442	804	4	techniques	technique	NOUN
fsr-3442	804	5	are	be	AUX
fsr-3442	804	6	available	available	ADJ
fsr-3442	804	7	for	for	ADP
fsr-3442	804	8	this	this	PRON
fsr-3442	804	9	:	:	PUNCT
fsr-3442	804	10	(	(	PUNCT
fsr-3442	804	11	1	1	X
fsr-3442	804	12	)	)	PUNCT
fsr-3442	804	13	the	the	DET
fsr-3442	804	14	doer	doer	NOUN
fsr-3442	804	15	can	can	AUX
fsr-3442	804	16	be	be	AUX
fsr-3442	804	17	given	give	VERB
fsr-3442	804	18	discretion	discretion	NOUN
fsr-3442	804	19	in	in	ADP
fsr-3442	804	20	which	which	DET
fsr-3442	804	21	case	case	NOUN
fsr-3442	804	22	either	either	CCONJ
fsr-3442	804	23	his	his	PRON
fsr-3442	804	24	preferences	preference	NOUN
fsr-3442	804	25	must	must	AUX
fsr-3442	804	26	be	be	AUX
fsr-3442	804	27	modified	modify	VERB
fsr-3442	804	28	or	or	CCONJ
fsr-3442	804	29	his	his	PRON
fsr-3442	804	30	incentives	incentive	NOUN
fsr-3442	804	31	must	must	AUX
fsr-3442	804	32	be	be	AUX
fsr-3442	804	33	altered	alter	VERB
fsr-3442	804	34	,	,	PUNCT
fsr-3442	804	35	or	or	CCONJ
fsr-3442	804	36	(	(	PUNCT
fsr-3442	804	37	2	2	X
fsr-3442	804	38	)	)	PUNCT
fsr-3442	804	39	the	the	DET
fsr-3442	804	40	doer	doer	NOUN
fsr-3442	804	41	’s	’s	PART
fsr-3442	804	42	set	set	NOUN
fsr-3442	804	43	of	of	ADP
fsr-3442	804	44	choices	choice	NOUN
fsr-3442	804	45	may	may	AUX
fsr-3442	804	46	instead	instead	ADV
fsr-3442	804	47	be	be	AUX
fsr-3442	804	48	limited	limit	VERB
fsr-3442	804	49	by	by	ADP
fsr-3442	804	50	imposing	impose	VERB
fsr-3442	804	51	rules	rule	NOUN
fsr-3442	804	52	that	that	PRON
fsr-3442	804	53	change	change	VERB
fsr-3442	804	54	the	the	DET
fsr-3442	804	55	constraints	constraint	NOUN
fsr-3442	804	56	the	the	DET
fsr-3442	804	57	doer	doer	NOUN
fsr-3442	804	58	faces	face	VERB
fsr-3442	804	59	”	"	PUNCT
fsr-3442	804	60	(	(	PUNCT
fsr-3442	804	61	shefrin	shefrin	NOUN
fsr-3442	804	62	&	&	CCONJ
fsr-3442	804	63	thaler	thaler	PROPN
fsr-3442	804	64	,	,	PUNCT
fsr-3442	804	65	1981	1981	NUM
fsr-3442	804	66	)	)	PUNCT
fsr-3442	804	67	.	.	PUNCT
fsr-3442	805	1	5	5	NUM
fsr-3442	805	2	available	available	ADJ
fsr-3442	805	3	at	at	ADP
fsr-3442	805	4	https://www.transunion.com/blog/consumer-credit-origination-balanceand-deliquency-trends	https://www.transunion.com/blog/consumer-credit-origination-balanceand-deliquency-trend	NOUN
fsr-3442	805	5	6	6	NUM
fsr-3442	805	6	in	in	ADP
fsr-3442	805	7	untabulated	untabulated	ADJ
fsr-3442	805	8	results	result	NOUN
fsr-3442	805	9	,	,	PUNCT
fsr-3442	805	10	we	we	PRON
fsr-3442	805	11	also	also	ADV
fsr-3442	805	12	regress	regress	VERB
fsr-3442	805	13	three	three	NUM
fsr-3442	805	14	dependent	dependent	ADJ
fsr-3442	805	15	variables	variable	NOUN
fsr-3442	805	16	on	on	ADP
fsr-3442	805	17	individual	individual	ADJ
fsr-3442	805	18	financial	financial	ADJ
fsr-3442	805	19	technology	technology	NOUN
fsr-3442	805	20	variables	variable	NOUN
fsr-3442	805	21	instead	instead	ADV
fsr-3442	805	22	of	of	ADP
fsr-3442	805	23	the	the	DET
fsr-3442	805	24	composite	composite	ADJ
fsr-3442	805	25	indexes	index	NOUN
fsr-3442	805	26	.	.	PUNCT
fsr-3442	806	1	the	the	DET
fsr-3442	806	2	results	result	NOUN
fsr-3442	806	3	are	be	AUX
fsr-3442	806	4	consistent	consistent	ADJ
fsr-3442	806	5	with	with	ADP
fsr-3442	806	6	these	these	PRON
fsr-3442	806	7	reported	report	VERB
fsr-3442	806	8	in	in	ADP
fsr-3442	806	9	the	the	DET
fsr-3442	806	10	main	main	ADJ
fsr-3442	806	11	texts	text	NOUN
fsr-3442	806	12	.	.	PUNCT
fsr-3442	807	1	references	reference	NOUN
fsr-3442	807	2	aizcorbe	aizcorbe	NOUN
fsr-3442	807	3	,	,	PUNCT
fsr-3442	807	4	a.	a.	NOUN
fsr-3442	807	5	m.	m.	NOUN
fsr-3442	807	6	,	,	PUNCT
fsr-3442	807	7	kennickell	kennickell	PROPN
fsr-3442	807	8	,	,	PUNCT
fsr-3442	807	9	a.	a.	PROPN
fsr-3442	807	10	b.	b.	PROPN
fsr-3442	807	11	,	,	PUNCT
fsr-3442	807	12	&	&	CCONJ
fsr-3442	807	13	moore	moore	PROPN
fsr-3442	807	14	,	,	PUNCT
fsr-3442	807	15	k.	k.	PROPN
fsr-3442	807	16	b.	b.	PROPN
fsr-3442	807	17	(	(	PUNCT
fsr-3442	807	18	2003	2003	NUM
fsr-3442	807	19	)	)	PUNCT
fsr-3442	807	20	.	.	PUNCT
fsr-3442	808	1	recent	recent	ADJ
fsr-3442	808	2	changes	change	NOUN
fsr-3442	808	3	in	in	ADP
fsr-3442	808	4	u.s	u.s	PROPN
fsr-3442	808	5	.	.	PROPN
fsr-3442	808	6	family	family	NOUN
fsr-3442	808	7	finances	finance	NOUN
fsr-3442	808	8	:	:	PUNCT
fsr-3442	808	9	evidence	evidence	NOUN
fsr-3442	808	10	from	from	ADP
fsr-3442	808	11	the	the	DET
fsr-3442	808	12	1998	1998	NUM
fsr-3442	808	13	and	and	CCONJ
fsr-3442	808	14	2001	2001	NUM
fsr-3442	808	15	survey	survey	NOUN
fsr-3442	808	16	of	of	ADP
fsr-3442	808	17	consumer	consumer	NOUN
fsr-3442	808	18	finances	finance	NOUN
fsr-3442	808	19	.	.	PUNCT
fsr-3442	809	1	federal	federal	PROPN
fsr-3442	809	2	reserve	reserve	PROPN
fsr-3442	809	3	bulletin	bulletin	PROPN
fsr-3442	809	4	,	,	PUNCT
fsr-3442	809	5	89	89	NUM
fsr-3442	809	6	,	,	PUNCT
fsr-3442	809	7	1	1	NUM
fsr-3442	809	8	-	-	SYM
fsr-3442	809	9	32	32	NUM
fsr-3442	809	10	.	.	PUNCT
fsr-3442	810	1	amar	amar	PROPN
fsr-3442	810	2	,	,	PUNCT
fsr-3442	810	3	m.	m.	NOUN
fsr-3442	810	4	,	,	PUNCT
fsr-3442	810	5	ariely	ariely	ADV
fsr-3442	810	6	,	,	PUNCT
fsr-3442	810	7	d.	d.	PROPN
fsr-3442	810	8	,	,	PUNCT
fsr-3442	810	9	ayal	ayal	NOUN
fsr-3442	810	10	,	,	PUNCT
fsr-3442	810	11	s.	s.	PROPN
fsr-3442	810	12	,	,	PUNCT
fsr-3442	810	13	cryder	cryder	NOUN
fsr-3442	810	14	,	,	PUNCT
fsr-3442	810	15	c.	c.	PROPN
fsr-3442	810	16	e.	e.	PROPN
fsr-3442	810	17	,	,	PUNCT
fsr-3442	810	18	&	&	CCONJ
fsr-3442	810	19	rick	rick	PROPN
fsr-3442	810	20	,	,	PUNCT
fsr-3442	810	21	s.	s.	PROPN
fsr-3442	810	22	i.	i.	PROPN
fsr-3442	810	23	(	(	PUNCT
fsr-3442	810	24	2011	2011	NUM
fsr-3442	810	25	)	)	PUNCT
fsr-3442	810	26	.	.	PUNCT
fsr-3442	811	1	winning	win	VERB
fsr-3442	811	2	the	the	DET
fsr-3442	811	3	battle	battle	NOUN
fsr-3442	811	4	but	but	CCONJ
fsr-3442	811	5	losing	lose	VERB
fsr-3442	811	6	the	the	DET
fsr-3442	811	7	war	war	NOUN
fsr-3442	811	8	:	:	PUNCT
fsr-3442	811	9	the	the	DET
fsr-3442	811	10	psychology	psychology	NOUN
fsr-3442	811	11	of	of	ADP
fsr-3442	811	12	debt	debt	NOUN
fsr-3442	811	13	management	management	NOUN
fsr-3442	811	14	.	.	PUNCT
fsr-3442	812	1	journal	journal	NOUN
fsr-3442	812	2	of	of	ADP
fsr-3442	812	3	marketing	marketing	NOUN
fsr-3442	812	4	research	research	NOUN
fsr-3442	812	5	,	,	PUNCT
fsr-3442	812	6	48	48	NUM
fsr-3442	812	7	,	,	PUNCT
fsr-3442	812	8	s38	s38	NOUN
fsr-3442	812	9	-	-	PUNCT
fsr-3442	812	10	s50	s50	NOUN
fsr-3442	812	11	.	.	PUNCT
fsr-3442	813	1	ameriks	ameriks	PROPN
fsr-3442	813	2	,	,	PUNCT
fsr-3442	813	3	j.	j.	PROPN
fsr-3442	813	4	,	,	PUNCT
fsr-3442	813	5	caplin	caplin	PROPN
fsr-3442	813	6	,	,	PUNCT
fsr-3442	813	7	a.	a.	PROPN
fsr-3442	813	8	,	,	PUNCT
fsr-3442	813	9	&	&	CCONJ
fsr-3442	813	10	leahy	leahy	PROPN
fsr-3442	813	11	,	,	PUNCT
fsr-3442	813	12	j.	j.	PROPN
fsr-3442	813	13	(	(	PUNCT
fsr-3442	813	14	2002	2002	NUM
fsr-3442	813	15	)	)	PUNCT
fsr-3442	813	16	.	.	PUNCT
fsr-3442	814	1	wealth	wealth	NOUN
fsr-3442	814	2	accumulation	accumulation	NOUN
fsr-3442	814	3	and	and	CCONJ
fsr-3442	814	4	the	the	DET
fsr-3442	814	5	propensity	propensity	NOUN
fsr-3442	814	6	to	to	PART
fsr-3442	814	7	plan	plan	VERB
fsr-3442	814	8	.	.	PUNCT
fsr-3442	815	1	national	national	PROPN
fsr-3442	815	2	bureau	bureau	PROPN
fsr-3442	815	3	of	of	ADP
fsr-3442	815	4	economic	economic	ADJ
fsr-3442	815	5	research	research	NOUN
fsr-3442	815	6	,	,	PUNCT
fsr-3442	815	7	no	no	INTJ
fsr-3442	815	8	.	.	PUNCT
fsr-3442	816	1	w8920	w8920	NOUN
fsr-3442	816	2	,	,	PUNCT
fsr-3442	816	3	angeletos	angeleto	NOUN
fsr-3442	816	4	,	,	PUNCT
fsr-3442	816	5	g.	g.	PROPN
fsr-3442	816	6	m.	m.	PROPN
fsr-3442	816	7	,	,	PUNCT
fsr-3442	816	8	laibson	laibson	PROPN
fsr-3442	816	9	,	,	PUNCT
fsr-3442	816	10	d.	d.	PROPN
fsr-3442	816	11	,	,	PUNCT
fsr-3442	816	12	repetto	repetto	PROPN
fsr-3442	816	13	,	,	PUNCT
fsr-3442	816	14	a.	a.	NOUN
fsr-3442	816	15	,	,	PUNCT
fsr-3442	816	16	tobacman	tobacman	NOUN
fsr-3442	816	17	,	,	PUNCT
fsr-3442	816	18	j.	j.	PROPN
fsr-3442	816	19	,	,	PUNCT
fsr-3442	816	20	&	&	CCONJ
fsr-3442	816	21	weinberg	weinberg	PROPN
fsr-3442	816	22	,	,	PUNCT
fsr-3442	816	23	s.	s.	PROPN
fsr-3442	816	24	(	(	PUNCT
fsr-3442	816	25	2001	2001	NUM
fsr-3442	816	26	)	)	PUNCT
fsr-3442	816	27	.	.	PUNCT
fsr-3442	817	1	the	the	DET
fsr-3442	817	2	hyperbolic	hyperbolic	ADJ
fsr-3442	817	3	consumption	consumption	NOUN
fsr-3442	817	4	model	model	NOUN
fsr-3442	817	5	:	:	PUNCT
fsr-3442	817	6	calibration	calibration	NOUN
fsr-3442	817	7	,	,	PUNCT
fsr-3442	817	8	simulation	simulation	NOUN
fsr-3442	817	9	,	,	PUNCT
fsr-3442	817	10	and	and	CCONJ
fsr-3442	817	11	empirical	empirical	ADJ
fsr-3442	817	12	evaluation	evaluation	NOUN
fsr-3442	817	13	.	.	PUNCT
fsr-3442	818	1	journal	journal	NOUN
fsr-3442	818	2	of	of	ADP
fsr-3442	818	3	economic	economic	ADJ
fsr-3442	818	4	perspectives	perspective	NOUN
fsr-3442	818	5	,	,	PUNCT
fsr-3442	818	6	15	15	NUM
fsr-3442	818	7	,	,	PUNCT
fsr-3442	818	8	47	47	NUM
fsr-3442	818	9	-	-	SYM
fsr-3442	818	10	68	68	NUM
fsr-3442	818	11	.	.	PUNCT
fsr-3442	819	1	anguelov	anguelov	PROPN
fsr-3442	819	2	,	,	PUNCT
fsr-3442	819	3	c.	c.	PROPN
fsr-3442	819	4	e.	e.	PROPN
fsr-3442	819	5	,	,	PUNCT
fsr-3442	819	6	hilgert	hilgert	PROPN
fsr-3442	819	7	,	,	PUNCT
fsr-3442	819	8	m.	m.	NOUN
fsr-3442	819	9	a.	a.	PROPN
fsr-3442	819	10	,	,	PUNCT
fsr-3442	819	11	&	&	CCONJ
fsr-3442	819	12	hogarth	hogarth	PROPN
fsr-3442	819	13	,	,	PUNCT
fsr-3442	819	14	j.	j.	PROPN
fsr-3442	819	15	m.	m.	PROPN
fsr-3442	819	16	(	(	PUNCT
fsr-3442	819	17	2004	2004	NUM
fsr-3442	819	18	)	)	PUNCT
fsr-3442	819	19	.	.	PUNCT
fsr-3442	820	1	us	we	PRON
fsr-3442	820	2	consumers	consumer	NOUN
fsr-3442	820	3	and	and	CCONJ
fsr-3442	820	4	electronic	electronic	ADJ
fsr-3442	820	5	banking	banking	NOUN
fsr-3442	820	6	,	,	PUNCT
fsr-3442	820	7	1995	1995	NUM
fsr-3442	820	8	-	-	SYM
fsr-3442	820	9	2003	2003	NUM
fsr-3442	820	10	.	.	PUNCT
fsr-3442	821	1	federal	federal	PROPN
fsr-3442	821	2	reserve	reserve	PROPN
fsr-3442	821	3	bulletin	bulletin	PROPN
fsr-3442	821	4	,	,	PUNCT
fsr-3442	821	5	90	90	NUM
fsr-3442	821	6	,	,	PUNCT
fsr-3442	821	7	1–18	1–18	NUM
fsr-3442	821	8	.	.	PUNCT
fsr-3442	822	1	bayus	bayus	PROPN
fsr-3442	822	2	,	,	PUNCT
fsr-3442	822	3	b.	b.	PROPN
fsr-3442	822	4	(	(	PUNCT
fsr-3442	822	5	1987	1987	NUM
fsr-3442	822	6	)	)	PUNCT
fsr-3442	822	7	.	.	PUNCT
fsr-3442	823	1	forecasting	forecast	VERB
fsr-3442	823	2	sales	sale	NOUN
fsr-3442	823	3	of	of	ADP
fsr-3442	823	4	new	new	ADJ
fsr-3442	823	5	contingent	contingent	NOUN
fsr-3442	823	6	products	product	NOUN
fsr-3442	823	7	:	:	PUNCT
fsr-3442	823	8	an	an	DET
fsr-3442	823	9	application	application	NOUN
fsr-3442	823	10	to	to	ADP
fsr-3442	823	11	the	the	DET
fsr-3442	823	12	compact	compact	ADJ
fsr-3442	823	13	disc	disc	NOUN
fsr-3442	823	14	market	market	NOUN
fsr-3442	823	15	.	.	PUNCT
fsr-3442	824	1	journal	journal	NOUN
fsr-3442	824	2	of	of	ADP
fsr-3442	824	3	product	product	NOUN
fsr-3442	824	4	innovation	innovation	NOUN
fsr-3442	824	5	management	management	NOUN
fsr-3442	824	6	,	,	PUNCT
fsr-3442	824	7	4	4	NUM
fsr-3442	824	8	,	,	PUNCT
fsr-3442	824	9	243	243	NUM
fsr-3442	824	10	-	-	SYM
fsr-3442	824	11	255	255	NUM
fsr-3442	824	12	.	.	PUNCT
fsr-3442	825	1	becker	becker	PROPN
fsr-3442	825	2	,	,	PUNCT
fsr-3442	825	3	g.	g.	PROPN
fsr-3442	825	4	s.	s.	PROPN
fsr-3442	825	5	,	,	PUNCT
fsr-3442	825	6	&	&	CCONJ
fsr-3442	825	7	tomes	tomes	PROPN
fsr-3442	825	8	,	,	PUNCT
fsr-3442	825	9	n.	n.	NOUN
fsr-3442	825	10	(	(	PUNCT
fsr-3442	825	11	1994	1994	NUM
fsr-3442	825	12	)	)	PUNCT
fsr-3442	825	13	.	.	PUNCT
fsr-3442	826	1	human	human	ADJ
fsr-3442	826	2	capital	capital	NOUN
fsr-3442	826	3	and	and	CCONJ
fsr-3442	826	4	the	the	DET
fsr-3442	826	5	rise	rise	NOUN
fsr-3442	826	6	and	and	CCONJ
fsr-3442	826	7	fall	fall	NOUN
fsr-3442	826	8	of	of	ADP
fsr-3442	826	9	families	family	NOUN
fsr-3442	826	10	.	.	PUNCT
fsr-3442	827	1	in	in	ADP
fsr-3442	827	2	human	human	ADJ
fsr-3442	827	3	capital	capital	NOUN
fsr-3442	827	4	:	:	PUNCT
fsr-3442	827	5	a	a	DET
fsr-3442	827	6	theoretical	theoretical	ADJ
fsr-3442	827	7	and	and	CCONJ
fsr-3442	827	8	empirical	empirical	ADJ
fsr-3442	827	9	analysis	analysis	NOUN
fsr-3442	827	10	with	with	ADP
fsr-3442	827	11	special	special	ADJ
fsr-3442	827	12	reference	reference	NOUN
fsr-3442	827	13	to	to	ADP
fsr-3442	827	14	education	education	NOUN
fsr-3442	827	15	(	(	PUNCT
fsr-3442	827	16	3rd	3rd	ADJ
fsr-3442	827	17	ed	ed	NOUN
fsr-3442	827	18	.	.	PROPN
fsr-3442	827	19	,	,	PUNCT
fsr-3442	827	20	pp	pp	ADJ
fsr-3442	827	21	.	.	PUNCT
fsr-3442	828	1	257–298	257–298	NUM
fsr-3442	828	2	)	)	PUNCT
fsr-3442	828	3	.	.	PUNCT
fsr-3442	829	1	chicago	chicago	PROPN
fsr-3442	829	2	,	,	PUNCT
fsr-3442	829	3	il	il	PROPN
fsr-3442	829	4	:	:	PUNCT
fsr-3442	829	5	the	the	DET
fsr-3442	829	6	university	university	PROPN
fsr-3442	829	7	of	of	ADP
fsr-3442	829	8	chicago	chicago	PROPN
fsr-3442	829	9	press	press	NOUN
fsr-3442	829	10	.	.	PUNCT
fsr-3442	830	1	bénabou	bénabou	PROPN
fsr-3442	830	2	,	,	PUNCT
fsr-3442	830	3	r.	r.	PROPN
fsr-3442	830	4	,	,	PUNCT
fsr-3442	830	5	&	&	CCONJ
fsr-3442	830	6	pycia	pycia	NOUN
fsr-3442	830	7	,	,	PUNCT
fsr-3442	830	8	m.	m.	NOUN
fsr-3442	830	9	(	(	PUNCT
fsr-3442	830	10	2002	2002	NUM
fsr-3442	830	11	)	)	PUNCT
fsr-3442	830	12	.	.	PUNCT
fsr-3442	831	1	dynamic	dynamic	ADJ
fsr-3442	831	2	inconsistency	inconsistency	NOUN
fsr-3442	831	3	and	and	CCONJ
fsr-3442	831	4	self	self	NOUN
fsr-3442	831	5	-	-	PUNCT
fsr-3442	831	6	control	control	NOUN
fsr-3442	831	7	:	:	PUNCT
fsr-3442	831	8	a	a	DET
fsr-3442	831	9	planner	planner	NOUN
fsr-3442	831	10	–	–	PUNCT
fsr-3442	831	11	doer	doer	NOUN
fsr-3442	831	12	interpretation	interpretation	NOUN
fsr-3442	831	13	.	.	PUNCT
fsr-3442	832	1	economics	economic	NOUN
fsr-3442	832	2	letters	letter	NOUN
fsr-3442	832	3	,	,	PUNCT
fsr-3442	832	4	77	77	NUM
fsr-3442	832	5	,	,	PUNCT
fsr-3442	832	6	419	419	NUM
fsr-3442	832	7	-	-	SYM
fsr-3442	832	8	424	424	NUM
fsr-3442	832	9	.	.	PUNCT
fsr-3442	833	1	bernheim	bernheim	PROPN
fsr-3442	833	2	,	,	PUNCT
fsr-3442	833	3	b.	b.	PROPN
fsr-3442	833	4	d.	d.	PROPN
fsr-3442	833	5	,	,	PUNCT
fsr-3442	833	6	carman	carman	PROPN
fsr-3442	833	7	,	,	PUNCT
fsr-3442	833	8	k.	k.	PROPN
fsr-3442	833	9	g.	g.	PROPN
fsr-3442	833	10	,	,	PUNCT
fsr-3442	833	11	gokhale	gokhale	PROPN
fsr-3442	833	12	,	,	PUNCT
fsr-3442	833	13	j.	j.	PROPN
fsr-3442	833	14	,	,	PUNCT
fsr-3442	833	15	&	&	CCONJ
fsr-3442	833	16	kotlikoff	kotlikoff	PROPN
fsr-3442	833	17	,	,	PUNCT
fsr-3442	833	18	l.	l.	PROPN
fsr-3442	833	19	j.	j.	PROPN
fsr-3442	833	20	(	(	PUNCT
fsr-3442	833	21	2001	2001	NUM
fsr-3442	833	22	)	)	PUNCT
fsr-3442	833	23	.	.	PUNCT
fsr-3442	834	1	the	the	DET
fsr-3442	834	2	mismatch	mismatch	NOUN
fsr-3442	834	3	between	between	ADP
fsr-3442	834	4	life	life	NOUN
fsr-3442	834	5	insurance	insurance	NOUN
fsr-3442	834	6	holdings	holding	NOUN
fsr-3442	834	7	and	and	CCONJ
fsr-3442	834	8	financial	financial	ADJ
fsr-3442	834	9	vulnerabilites	vulnerabilite	NOUN
fsr-3442	834	10	:	:	PUNCT
fsr-3442	834	11	evidence	evidence	NOUN
fsr-3442	834	12	from	from	ADP
fsr-3442	834	13	the	the	DET
fsr-3442	834	14	survey	survey	NOUN
fsr-3442	834	15	of	of	ADP
fsr-3442	834	16	consumer	consumer	NOUN
fsr-3442	834	17	finances	finance	NOUN
fsr-3442	834	18	.	.	PUNCT
fsr-3442	835	1	nber	nber	PROPN
fsr-3442	835	2	working	working	PROPN
fsr-3442	835	3	paper	paper	PROPN
fsr-3442	835	4	,	,	PUNCT
fsr-3442	835	5	no	no	INTJ
fsr-3442	835	6	.	.	NOUN
fsr-3442	835	7	8544	8544	NUM
fsr-3442	835	8	,	,	PUNCT
fsr-3442	835	9	october	october	PROPN
fsr-3442	835	10	.	.	PUNCT
fsr-3442	836	1	bernheim	bernheim	PROPN
fsr-3442	836	2	,	,	PUNCT
fsr-3442	836	3	b.	b.	PROPN
fsr-3442	836	4	d.	d.	PROPN
fsr-3442	836	5	,	,	PUNCT
fsr-3442	836	6	carman	carman	PROPN
fsr-3442	836	7	,	,	PUNCT
fsr-3442	836	8	k.	k.	PROPN
fsr-3442	836	9	g.	g.	PROPN
fsr-3442	836	10	,	,	PUNCT
fsr-3442	836	11	gokhale	gokhale	PROPN
fsr-3442	836	12	,	,	PUNCT
fsr-3442	836	13	j.	j.	PROPN
fsr-3442	836	14	,	,	PUNCT
fsr-3442	836	15	&	&	CCONJ
fsr-3442	836	16	kotlikoff	kotlikoff	PROPN
fsr-3442	836	17	,	,	PUNCT
fsr-3442	836	18	l.	l.	PROPN
fsr-3442	836	19	j.	j.	PROPN
fsr-3442	836	20	(	(	PUNCT
fsr-3442	836	21	2003	2003	NUM
fsr-3442	836	22	)	)	PUNCT
fsr-3442	836	23	.	.	PUNCT
fsr-3442	837	1	are	be	AUX
fsr-3442	837	2	life	life	NOUN
fsr-3442	837	3	insurance	insurance	NOUN
fsr-3442	837	4	holdings	holding	NOUN
fsr-3442	837	5	related	relate	VERB
fsr-3442	837	6	to	to	ADP
fsr-3442	837	7	financial	financial	ADJ
fsr-3442	837	8	vulnerabilities	vulnerability	NOUN
fsr-3442	837	9	?	?	PUNCT
fsr-3442	838	1	economic	economic	ADJ
fsr-3442	838	2	inquiry	inquiry	NOUN
fsr-3442	838	3	,	,	PUNCT
fsr-3442	838	4	41	41	NUM
fsr-3442	838	5	,	,	PUNCT
fsr-3442	838	6	531	531	NUM
fsr-3442	838	7	-	-	SYM
fsr-3442	838	8	554	554	NUM
fsr-3442	838	9	.	.	PUNCT
fsr-3442	839	1	q.	q.	PROPN
fsr-3442	839	2	bi	bi	PROPN
fsr-3442	839	3	et	et	PROPN
fsr-3442	839	4	al	al	PROPN
fsr-3442	839	5	.	.	PUNCT
fsr-3442	839	6	/	/	SYM
fsr-3442	839	7	financial	financial	ADJ
fsr-3442	839	8	services	service	NOUN
fsr-3442	839	9	review	review	VERB
fsr-3442	839	10	29	29	NUM
fsr-3442	839	11	(	(	PUNCT
fsr-3442	839	12	2021	2021	NUM
fsr-3442	839	13	)	)	PUNCT
fsr-3442	839	14	29–54	29–54	NUM
fsr-3442	839	15	51	51	NUM
fsr-3442	839	16	bricker	bricker	NOUN
fsr-3442	839	17	,	,	PUNCT
fsr-3442	839	18	j.	j.	PROPN
fsr-3442	839	19	,	,	PUNCT
fsr-3442	839	20	dettling	dettling	NOUN
fsr-3442	839	21	,	,	PUNCT
fsr-3442	839	22	l.	l.	PROPN
fsr-3442	839	23	j.	j.	PROPN
fsr-3442	839	24	,	,	PUNCT
fsr-3442	839	25	henriques	henrique	NOUN
fsr-3442	839	26	,	,	PUNCT
fsr-3442	839	27	a.	a.	NOUN
fsr-3442	839	28	,	,	PUNCT
fsr-3442	839	29	hsu	hsu	PROPN
fsr-3442	839	30	,	,	PUNCT
fsr-3442	839	31	j.	j.	PROPN
fsr-3442	839	32	w.	w.	PROPN
fsr-3442	839	33	,	,	PUNCT
fsr-3442	839	34	jacobs	jacobs	PROPN
fsr-3442	839	35	,	,	PUNCT
fsr-3442	839	36	l.	l.	PROPN
fsr-3442	839	37	,	,	PUNCT
fsr-3442	839	38	moore	moore	PROPN
fsr-3442	839	39	,	,	PUNCT
fsr-3442	839	40	k.	k.	PROPN
fsr-3442	839	41	b.	b.	PROPN
fsr-3442	839	42	,	,	PUNCT
fsr-3442	839	43	&	&	CCONJ
fsr-3442	839	44	windle	windle	PROPN
fsr-3442	839	45	,	,	PUNCT
fsr-3442	839	46	r.	r.	PROPN
fsr-3442	839	47	a.	a.	PROPN
fsr-3442	839	48	(	(	PUNCT
fsr-3442	839	49	2017	2017	NUM
fsr-3442	839	50	)	)	PUNCT
fsr-3442	839	51	.	.	PUNCT
fsr-3442	840	1	changes	change	NOUN
fsr-3442	840	2	in	in	ADP
fsr-3442	840	3	us	us	PROPN
fsr-3442	840	4	family	family	NOUN
fsr-3442	840	5	finances	finance	NOUN
fsr-3442	840	6	from	from	ADP
fsr-3442	840	7	2013	2013	NUM
fsr-3442	840	8	to	to	ADP
fsr-3442	840	9	2016	2016	NUM
fsr-3442	840	10	:	:	PUNCT
fsr-3442	840	11	evidence	evidence	NOUN
fsr-3442	840	12	from	from	ADP
fsr-3442	840	13	the	the	DET
fsr-3442	840	14	survey	survey	NOUN
fsr-3442	840	15	of	of	ADP
fsr-3442	840	16	consumer	consumer	NOUN
fsr-3442	840	17	finances	finance	NOUN
fsr-3442	840	18	.	.	PUNCT
fsr-3442	841	1	federal	federal	PROPN
fsr-3442	841	2	reserve	reserve	PROPN
fsr-3442	841	3	bulletin	bulletin	PROPN
fsr-3442	841	4	,	,	PUNCT
fsr-3442	841	5	103	103	NUM
fsr-3442	841	6	,	,	PUNCT
fsr-3442	841	7	1	1	NUM
fsr-3442	841	8	-	-	SYM
fsr-3442	841	9	42	42	NUM
fsr-3442	841	10	.	.	PUNCT
fsr-3442	842	1	butryn	butryn	PROPN
fsr-3442	842	2	,	,	PUNCT
fsr-3442	842	3	m.	m.	PROPN
fsr-3442	842	4	l.	l.	PROPN
fsr-3442	842	5	,	,	PUNCT
fsr-3442	842	6	webb	webb	PROPN
fsr-3442	842	7	,	,	PUNCT
fsr-3442	842	8	v.	v.	PROPN
fsr-3442	842	9	,	,	PUNCT
fsr-3442	842	10	&	&	CCONJ
fsr-3442	842	11	wadden	wadden	PROPN
fsr-3442	842	12	,	,	PUNCT
fsr-3442	842	13	t.	t.	PROPN
fsr-3442	842	14	a.	a.	NOUN
fsr-3442	842	15	(	(	PUNCT
fsr-3442	842	16	2011	2011	NUM
fsr-3442	842	17	)	)	PUNCT
fsr-3442	842	18	.	.	PUNCT
fsr-3442	843	1	behavioral	behavioral	ADJ
fsr-3442	843	2	treatment	treatment	NOUN
fsr-3442	843	3	of	of	ADP
fsr-3442	843	4	obesity	obesity	NOUN
fsr-3442	843	5	.	.	PUNCT
fsr-3442	844	1	the	the	DET
fsr-3442	844	2	psychiatric	psychiatric	ADJ
fsr-3442	844	3	clinics	clinic	NOUN
fsr-3442	844	4	of	of	ADP
fsr-3442	844	5	north	north	PROPN
fsr-3442	844	6	america	america	PROPN
fsr-3442	844	7	,	,	PUNCT
fsr-3442	844	8	34	34	NUM
fsr-3442	844	9	,	,	PUNCT
fsr-3442	844	10	841	841	NUM
fsr-3442	844	11	-	-	SYM
fsr-3442	844	12	859	859	NUM
fsr-3442	844	13	.	.	PUNCT
fsr-3442	845	1	chang	chang	PROPN
fsr-3442	845	2	,	,	PUNCT
fsr-3442	845	3	y.	y.	PROPN
fsr-3442	845	4	r.	r.	PROPN
fsr-3442	845	5	,	,	PUNCT
fsr-3442	845	6	&	&	CCONJ
fsr-3442	845	7	huston	huston	PROPN
fsr-3442	845	8	,	,	PUNCT
fsr-3442	845	9	s.	s.	PROPN
fsr-3442	845	10	j.	j.	PROPN
fsr-3442	845	11	(	(	PUNCT
fsr-3442	845	12	1995	1995	NUM
fsr-3442	845	13	)	)	PUNCT
fsr-3442	845	14	.	.	PUNCT
fsr-3442	846	1	patterns	pattern	NOUN
fsr-3442	846	2	of	of	ADP
fsr-3442	846	3	adequate	adequate	ADJ
fsr-3442	846	4	household	household	NOUN
fsr-3442	846	5	emergency	emergency	NOUN
fsr-3442	846	6	fund	fund	NOUN
fsr-3442	846	7	holdings	holding	NOUN
fsr-3442	846	8	:	:	PUNCT
fsr-3442	846	9	a	a	DET
fsr-3442	846	10	comparison	comparison	NOUN
fsr-3442	846	11	of	of	ADP
fsr-3442	846	12	households	household	NOUN
fsr-3442	846	13	in	in	ADP
fsr-3442	846	14	1983	1983	NUM
fsr-3442	846	15	and	and	CCONJ
fsr-3442	846	16	1986	1986	NUM
fsr-3442	846	17	.	.	PUNCT
fsr-3442	847	1	financial	financial	ADJ
fsr-3442	847	2	counseling	counseling	NOUN
fsr-3442	847	3	and	and	CCONJ
fsr-3442	847	4	planning	planning	NOUN
fsr-3442	847	5	,	,	PUNCT
fsr-3442	847	6	6	6	NUM
fsr-3442	847	7	,	,	PUNCT
fsr-3442	847	8	119	119	NUM
fsr-3442	847	9	-	-	SYM
fsr-3442	847	10	128	128	NUM
fsr-3442	847	11	.	.	PUNCT
fsr-3442	848	1	chen	chen	PROPN
fsr-3442	848	2	,	,	PUNCT
fsr-3442	848	3	s.	s.	PROPN
fsr-3442	848	4	,	,	PUNCT
fsr-3442	848	5	&	&	CCONJ
fsr-3442	848	6	van	van	PROPN
fsr-3442	848	7	der	der	PROPN
fsr-3442	848	8	klaauw	klaauw	PROPN
fsr-3442	848	9	,	,	PUNCT
fsr-3442	848	10	w.	w.	PROPN
fsr-3442	848	11	(	(	PUNCT
fsr-3442	848	12	2008	2008	NUM
fsr-3442	848	13	)	)	PUNCT
fsr-3442	848	14	.	.	PUNCT
fsr-3442	849	1	the	the	DET
fsr-3442	849	2	work	work	NOUN
fsr-3442	849	3	disincentive	disincentive	ADJ
fsr-3442	849	4	effects	effect	NOUN
fsr-3442	849	5	of	of	ADP
fsr-3442	849	6	the	the	DET
fsr-3442	849	7	disability	disability	NOUN
fsr-3442	849	8	insurance	insurance	NOUN
fsr-3442	849	9	program	program	NOUN
fsr-3442	849	10	in	in	ADP
fsr-3442	849	11	the	the	DET
fsr-3442	849	12	1990s	1990s	NUM
fsr-3442	849	13	.	.	PUNCT
fsr-3442	850	1	journal	journal	NOUN
fsr-3442	850	2	of	of	ADP
fsr-3442	850	3	econometrics	econometric	NOUN
fsr-3442	850	4	,	,	PUNCT
fsr-3442	850	5	142	142	NUM
fsr-3442	850	6	,	,	PUNCT
fsr-3442	850	7	757	757	PROPN
fsr-3442	850	8	-	-	SYM
fsr-3442	850	9	784	784	NUM
fsr-3442	850	10	.	.	PUNCT
fsr-3442	851	1	chen	chen	PROPN
fsr-3442	851	2	,	,	PUNCT
fsr-3442	851	3	h.	h.	PROPN
fsr-3442	851	4	,	,	PUNCT
fsr-3442	851	5	&	&	CCONJ
fsr-3442	851	6	volpe	volpe	PROPN
fsr-3442	851	7	,	,	PUNCT
fsr-3442	851	8	r.	r.	PROPN
fsr-3442	851	9	(	(	PUNCT
fsr-3442	851	10	2002	2002	NUM
fsr-3442	851	11	)	)	PUNCT
fsr-3442	851	12	.	.	PUNCT
fsr-3442	852	1	gender	gender	NOUN
fsr-3442	852	2	differences	difference	NOUN
fsr-3442	852	3	in	in	ADP
fsr-3442	852	4	personal	personal	ADJ
fsr-3442	852	5	financial	financial	ADJ
fsr-3442	852	6	literacy	literacy	NOUN
fsr-3442	852	7	among	among	ADP
fsr-3442	852	8	college	college	NOUN
fsr-3442	852	9	students	student	NOUN
fsr-3442	852	10	.	.	PUNCT
fsr-3442	853	1	financial	financial	ADJ
fsr-3442	853	2	services	service	NOUN
fsr-3442	853	3	review	review	PROPN
fsr-3442	853	4	,	,	PUNCT
fsr-3442	853	5	11	11	NUM
fsr-3442	853	6	,	,	PUNCT
fsr-3442	853	7	289	289	NUM
fsr-3442	853	8	-	-	SYM
fsr-3442	853	9	307	307	NUM
fsr-3442	853	10	.	.	PUNCT
fsr-3442	854	1	davis	davis	PROPN
fsr-3442	854	2	,	,	PUNCT
fsr-3442	854	3	f.	f.	PROPN
fsr-3442	854	4	(	(	PUNCT
fsr-3442	854	5	1989	1989	NUM
fsr-3442	854	6	)	)	PUNCT
fsr-3442	854	7	.	.	PUNCT
fsr-3442	855	1	perceived	perceive	VERB
fsr-3442	855	2	usefulness	usefulness	NOUN
fsr-3442	855	3	,	,	PUNCT
fsr-3442	855	4	perceived	perceive	VERB
fsr-3442	855	5	ease	ease	NOUN
fsr-3442	855	6	of	of	ADP
fsr-3442	855	7	use	use	NOUN
fsr-3442	855	8	and	and	CCONJ
fsr-3442	855	9	user	user	NOUN
fsr-3442	855	10	acceptance	acceptance	NOUN
fsr-3442	855	11	of	of	ADP
fsr-3442	855	12	information	information	NOUN
fsr-3442	855	13	technology	technology	NOUN
fsr-3442	855	14	.	.	PUNCT
fsr-3442	856	1	mis	mis	PROPN
fsr-3442	856	2	quarterly	quarterly	PROPN
fsr-3442	856	3	,	,	PUNCT
fsr-3442	856	4	13	13	NUM
fsr-3442	856	5	,	,	PUNCT
fsr-3442	856	6	319	319	NUM
fsr-3442	856	7	-	-	SYM
fsr-3442	856	8	340	340	NUM
fsr-3442	856	9	.	.	PUNCT
fsr-3442	857	1	dean	dean	PROPN
fsr-3442	857	2	,	,	PUNCT
fsr-3442	857	3	l.	l.	PROPN
fsr-3442	857	4	r.	r.	PROPN
fsr-3442	857	5	,	,	PUNCT
fsr-3442	857	6	joo	joo	PROPN
fsr-3442	857	7	,	,	PUNCT
fsr-3442	857	8	s.	s.	PROPN
fsr-3442	857	9	h.	h.	PROPN
fsr-3442	857	10	,	,	PUNCT
fsr-3442	857	11	gudmunson	gudmunson	PROPN
fsr-3442	857	12	,	,	PUNCT
fsr-3442	857	13	c.	c.	PROPN
fsr-3442	857	14	g.	g.	PROPN
fsr-3442	857	15	,	,	PUNCT
fsr-3442	857	16	fischer	fischer	PROPN
fsr-3442	857	17	,	,	PUNCT
fsr-3442	857	18	j.	j.	PROPN
fsr-3442	857	19	l.	l.	PROPN
fsr-3442	857	20	,	,	PUNCT
fsr-3442	857	21	&	&	CCONJ
fsr-3442	857	22	lambert	lambert	PROPN
fsr-3442	857	23	,	,	PUNCT
fsr-3442	857	24	n.	n.	PROPN
fsr-3442	857	25	(	(	PUNCT
fsr-3442	857	26	2013	2013	NUM
fsr-3442	857	27	)	)	PUNCT
fsr-3442	857	28	.	.	PUNCT
fsr-3442	858	1	debt	debt	NOUN
fsr-3442	858	2	begets	beget	VERB
fsr-3442	858	3	debt	debt	NOUN
fsr-3442	858	4	:	:	PUNCT
fsr-3442	858	5	examining	examine	VERB
fsr-3442	858	6	negative	negative	ADJ
fsr-3442	858	7	credit	credit	NOUN
fsr-3442	858	8	card	card	NOUN
fsr-3442	858	9	behaviors	behavior	NOUN
fsr-3442	858	10	and	and	CCONJ
fsr-3442	858	11	other	other	ADJ
fsr-3442	858	12	forms	form	NOUN
fsr-3442	858	13	of	of	ADP
fsr-3442	858	14	consumer	consumer	NOUN
fsr-3442	858	15	debt	debt	NOUN
fsr-3442	858	16	.	.	PUNCT
fsr-3442	859	1	journal	journal	NOUN
fsr-3442	859	2	of	of	ADP
fsr-3442	859	3	financial	financial	ADJ
fsr-3442	859	4	service	service	NOUN
fsr-3442	859	5	professionals	professional	NOUN
fsr-3442	859	6	,	,	PUNCT
fsr-3442	859	7	67	67	NUM
fsr-3442	859	8	,	,	PUNCT
fsr-3442	859	9	72	72	NUM
fsr-3442	859	10	-	-	SYM
fsr-3442	859	11	84	84	NUM
fsr-3442	859	12	.	.	PUNCT
fsr-3442	860	1	dew	dew	PROPN
fsr-3442	860	2	,	,	PUNCT
fsr-3442	860	3	j.	j.	PROPN
fsr-3442	860	4	,	,	PUNCT
fsr-3442	860	5	&	&	CCONJ
fsr-3442	860	6	xiao	xiao	PROPN
fsr-3442	860	7	,	,	PUNCT
fsr-3442	860	8	j.	j.	PROPN
fsr-3442	860	9	j.	j.	PROPN
fsr-3442	860	10	(	(	PUNCT
fsr-3442	860	11	2011	2011	NUM
fsr-3442	860	12	)	)	PUNCT
fsr-3442	860	13	.	.	PUNCT
fsr-3442	861	1	the	the	DET
fsr-3442	861	2	financial	financial	ADJ
fsr-3442	861	3	management	management	NOUN
fsr-3442	861	4	behavior	behavior	NOUN
fsr-3442	861	5	scale	scale	NOUN
fsr-3442	861	6	:	:	PUNCT
fsr-3442	861	7	development	development	NOUN
fsr-3442	861	8	and	and	CCONJ
fsr-3442	861	9	validation	validation	NOUN
fsr-3442	861	10	.	.	PUNCT
fsr-3442	862	1	journal	journal	NOUN
fsr-3442	862	2	of	of	ADP
fsr-3442	862	3	financial	financial	ADJ
fsr-3442	862	4	counseling	counseling	NOUN
fsr-3442	862	5	and	and	CCONJ
fsr-3442	862	6	planning	planning	NOUN
fsr-3442	862	7	,	,	PUNCT
fsr-3442	862	8	22	22	NUM
fsr-3442	862	9	,	,	PUNCT
fsr-3442	862	10	43	43	NUM
fsr-3442	862	11	-	-	SYM
fsr-3442	862	12	59	59	NUM
fsr-3442	862	13	.	.	PUNCT
fsr-3442	863	1	experian	experian	PROPN
fsr-3442	863	2	.	.	PUNCT
fsr-3442	864	1	(	(	PUNCT
fsr-3442	864	2	2009	2009	NUM
fsr-3442	864	3	)	)	PUNCT
fsr-3442	864	4	.	.	PUNCT
fsr-3442	865	1	with	with	ADP
fsr-3442	865	2	age	age	NOUN
fsr-3442	865	3	comes	come	VERB
fsr-3442	865	4	wisdom	wisdom	NOUN
fsr-3442	865	5	.	.	PUNCT
fsr-3442	865	6	.	.	PUNCT
fsr-3442	866	1	.	.	PUNCT
fsr-3442	867	1	and	and	CCONJ
fsr-3442	867	2	a	a	DET
fsr-3442	867	3	higher	high	ADJ
fsr-3442	867	4	credit	credit	NOUN
fsr-3442	867	5	score	score	NOUN
fsr-3442	867	6	.	.	PUNCT
fsr-3442	868	1	experian	experian	ADJ
fsr-3442	868	2	.	.	PUNCT
fsr-3442	869	1	(	(	PUNCT
fsr-3442	869	2	available	available	ADJ
fsr-3442	869	3	at	at	ADP
fsr-3442	869	4	http://www	http://www	PROPN
fsr-3442	869	5	.	.	PUNCT
fsr-3442	870	1	experian.com/assets/business-resources/studies/snapshot-seniors-debt.pdf	experian.com/assets/business-resources/studies/snapshot-seniors-debt.pdf	PROPN
fsr-3442	870	2	)	)	PUNCT
fsr-3442	870	3	federal	federal	PROPN
fsr-3442	870	4	reserve	reserve	PROPN
fsr-3442	870	5	.	.	PUNCT
fsr-3442	871	1	(	(	PUNCT
fsr-3442	871	2	2009	2009	NUM
fsr-3442	871	3	)	)	PUNCT
fsr-3442	871	4	.	.	PUNCT
fsr-3442	872	1	consumer	consumer	NOUN
fsr-3442	872	2	credit	credit	NOUN
fsr-3442	872	3	november	november	PROPN
fsr-3442	872	4	2008	2008	NUM
fsr-3442	872	5	.	.	PUNCT
fsr-3442	873	1	federal	federal	PROPN
fsr-3442	873	2	reserve	reserve	PROPN
fsr-3442	873	3	statistical	statistical	ADJ
fsr-3442	873	4	release	release	NOUN
fsr-3442	873	5	.	.	PUNCT
fsr-3442	874	1	washington	washington	PROPN
fsr-3442	874	2	,	,	PUNCT
fsr-3442	874	3	dc	dc	PROPN
fsr-3442	874	4	:	:	PUNCT
fsr-3442	874	5	board	board	NOUN
fsr-3442	874	6	of	of	ADP
fsr-3442	874	7	governors	governor	NOUN
fsr-3442	874	8	of	of	ADP
fsr-3442	874	9	the	the	DET
fsr-3442	874	10	federal	federal	PROPN
fsr-3442	874	11	reserve	reserve	PROPN
fsr-3442	874	12	system	system	NOUN
fsr-3442	874	13	.	.	PUNCT
fsr-3442	875	1	federal	federal	PROPN
fsr-3442	875	2	reserve	reserve	PROPN
fsr-3442	875	3	.	.	PUNCT
fsr-3442	876	1	(	(	PUNCT
fsr-3442	876	2	2013	2013	NUM
fsr-3442	876	3	)	)	PUNCT
fsr-3442	876	4	.	.	PUNCT
fsr-3442	877	1	the	the	DET
fsr-3442	877	2	2013	2013	NUM
fsr-3442	877	3	federal	federal	PROPN
fsr-3442	877	4	reserve	reserve	PROPN
fsr-3442	877	5	payments	payment	NOUN
fsr-3442	877	6	study	study	NOUN
fsr-3442	877	7	:	:	PUNCT
fsr-3442	877	8	recent	recent	ADJ
fsr-3442	877	9	and	and	CCONJ
fsr-3442	877	10	long	long	ADJ
fsr-3442	877	11	-	-	PUNCT
fsr-3442	877	12	term	term	NOUN
fsr-3442	877	13	payment	payment	NOUN
fsr-3442	877	14	trends	trend	NOUN
fsr-3442	877	15	in	in	ADP
fsr-3442	877	16	the	the	DET
fsr-3442	877	17	united	united	PROPN
fsr-3442	877	18	states	states	PROPN
fsr-3442	877	19	:	:	PUNCT
fsr-3442	877	20	2003–2012	2003–2012	NUM
fsr-3442	877	21	.	.	PUNCT
fsr-3442	878	1	washington	washington	PROPN
fsr-3442	878	2	,	,	PUNCT
fsr-3442	878	3	dc	dc	PROPN
fsr-3442	878	4	:	:	PUNCT
fsr-3442	878	5	board	board	NOUN
fsr-3442	878	6	of	of	ADP
fsr-3442	878	7	governors	governor	NOUN
fsr-3442	878	8	of	of	ADP
fsr-3442	878	9	the	the	DET
fsr-3442	878	10	federal	federal	PROPN
fsr-3442	878	11	reserve	reserve	PROPN
fsr-3442	878	12	system	system	NOUN
fsr-3442	878	13	.	.	PUNCT
fsr-3442	879	1	feenber	feenber	PROPN
fsr-3442	879	2	,	,	PUNCT
fsr-3442	879	3	d.	d.	PROPN
fsr-3442	879	4	,	,	PUNCT
fsr-3442	879	5	&	&	CCONJ
fsr-3442	879	6	skinner	skinner	PROPN
fsr-3442	879	7	,	,	PUNCT
fsr-3442	879	8	j.	j.	PROPN
fsr-3442	879	9	(	(	PUNCT
fsr-3442	879	10	1994	1994	NUM
fsr-3442	879	11	)	)	PUNCT
fsr-3442	879	12	.	.	PUNCT
fsr-3442	880	1	the	the	DET
fsr-3442	880	2	risk	risk	NOUN
fsr-3442	880	3	and	and	CCONJ
fsr-3442	880	4	duration	duration	NOUN
fsr-3442	880	5	of	of	ADP
fsr-3442	880	6	catastrophic	catastrophic	ADJ
fsr-3442	880	7	health	health	NOUN
fsr-3442	880	8	care	care	NOUN
fsr-3442	880	9	expenditures	expenditure	NOUN
fsr-3442	880	10	.	.	PUNCT
fsr-3442	881	1	the	the	DET
fsr-3442	881	2	review	review	NOUN
fsr-3442	881	3	of	of	ADP
fsr-3442	881	4	economics	economic	NOUN
fsr-3442	881	5	and	and	CCONJ
fsr-3442	881	6	statistics	statistic	NOUN
fsr-3442	881	7	,	,	PUNCT
fsr-3442	881	8	76	76	NUM
fsr-3442	881	9	,	,	PUNCT
fsr-3442	881	10	633	633	NUM
fsr-3442	881	11	-	-	SYM
fsr-3442	881	12	647	647	NUM
fsr-3442	881	13	.	.	PUNCT
fsr-3442	882	1	finke	finke	PROPN
fsr-3442	882	2	,	,	PUNCT
fsr-3442	882	3	m.	m.	NOUN
fsr-3442	882	4	,	,	PUNCT
fsr-3442	882	5	&	&	CCONJ
fsr-3442	882	6	huston	huston	PROPN
fsr-3442	882	7	,	,	PUNCT
fsr-3442	882	8	s.	s.	PROPN
fsr-3442	882	9	(	(	PUNCT
fsr-3442	882	10	2013	2013	NUM
fsr-3442	882	11	)	)	PUNCT
fsr-3442	882	12	.	.	PUNCT
fsr-3442	883	1	time	time	NOUN
fsr-3442	883	2	preference	preference	NOUN
fsr-3442	883	3	and	and	CCONJ
fsr-3442	883	4	the	the	DET
fsr-3442	883	5	important	important	ADJ
fsr-3442	883	6	of	of	ADP
fsr-3442	883	7	saving	save	VERB
fsr-3442	883	8	for	for	ADP
fsr-3442	883	9	retirement	retirement	NOUN
fsr-3442	883	10	.	.	PUNCT
fsr-3442	884	1	journal	journal	PROPN
fsr-3442	884	2	of	of	ADP
fsr-3442	884	3	economic	economic	ADJ
fsr-3442	884	4	behavior	behavior	NOUN
fsr-3442	884	5	&	&	CCONJ
fsr-3442	884	6	organization	organization	PROPN
fsr-3442	884	7	,	,	PUNCT
fsr-3442	884	8	89	89	NUM
fsr-3442	884	9	,	,	PUNCT
fsr-3442	884	10	23	23	NUM
fsr-3442	884	11	-	-	SYM
fsr-3442	884	12	34	34	NUM
fsr-3442	884	13	.	.	PUNCT
fsr-3442	885	1	fisher	fisher	PROPN
fsr-3442	885	2	,	,	PUNCT
fsr-3442	885	3	p.	p.	PROPN
fsr-3442	885	4	j.	j.	PROPN
fsr-3442	886	1	(	(	PUNCT
fsr-3442	886	2	2010	2010	NUM
fsr-3442	886	3	)	)	PUNCT
fsr-3442	886	4	.	.	PUNCT
fsr-3442	887	1	gender	gender	NOUN
fsr-3442	887	2	differences	difference	NOUN
fsr-3442	887	3	in	in	ADP
fsr-3442	887	4	personal	personal	ADJ
fsr-3442	887	5	saving	saving	NOUN
fsr-3442	887	6	behaviors	behavior	NOUN
fsr-3442	887	7	.	.	PUNCT
fsr-3442	888	1	journal	journal	NOUN
fsr-3442	888	2	of	of	ADP
fsr-3442	888	3	financial	financial	ADJ
fsr-3442	888	4	counseling	counseling	NOUN
fsr-3442	888	5	and	and	CCONJ
fsr-3442	888	6	planning	planning	NOUN
fsr-3442	888	7	,	,	PUNCT
fsr-3442	888	8	21	21	NUM
fsr-3442	888	9	,	,	PUNCT
fsr-3442	888	10	14	14	NUM
fsr-3442	888	11	-	-	SYM
fsr-3442	888	12	24	24	NUM
fsr-3442	888	13	.	.	PUNCT
fsr-3442	889	1	fisher	fisher	PROPN
fsr-3442	889	2	,	,	PUNCT
fsr-3442	889	3	p.	p.	PROPN
fsr-3442	889	4	j.	j.	PROPN
fsr-3442	889	5	,	,	PUNCT
fsr-3442	889	6	&	&	CCONJ
fsr-3442	889	7	yao	yao	PROPN
fsr-3442	889	8	,	,	PUNCT
fsr-3442	889	9	r.	r.	PROPN
fsr-3442	889	10	(	(	PUNCT
fsr-3442	889	11	2017	2017	NUM
fsr-3442	889	12	)	)	PUNCT
fsr-3442	889	13	.	.	PUNCT
fsr-3442	890	1	gender	gender	NOUN
fsr-3442	890	2	differences	difference	NOUN
fsr-3442	890	3	in	in	ADP
fsr-3442	890	4	financial	financial	ADJ
fsr-3442	890	5	risk	risk	NOUN
fsr-3442	890	6	tolerance	tolerance	NOUN
fsr-3442	890	7	.	.	PUNCT
fsr-3442	891	1	journal	journal	NOUN
fsr-3442	891	2	of	of	ADP
fsr-3442	891	3	economic	economic	ADJ
fsr-3442	891	4	psychology	psychology	NOUN
fsr-3442	891	5	,	,	PUNCT
fsr-3442	891	6	61	61	NUM
fsr-3442	891	7	,	,	PUNCT
fsr-3442	891	8	191	191	NUM
fsr-3442	891	9	-	-	SYM
fsr-3442	891	10	202	202	NUM
fsr-3442	891	11	.	.	PUNCT
fsr-3442	892	1	fonseca	fonseca	PROPN
fsr-3442	892	2	,	,	PUNCT
fsr-3442	892	3	r.	r.	PROPN
fsr-3442	892	4	,	,	PUNCT
fsr-3442	892	5	mullen	mullen	PROPN
fsr-3442	892	6	,	,	PUNCT
fsr-3442	892	7	k.	k.	PROPN
fsr-3442	892	8	j.	j.	PROPN
fsr-3442	892	9	,	,	PUNCT
fsr-3442	892	10	zamarro	zamarro	PROPN
fsr-3442	892	11	,	,	PUNCT
fsr-3442	892	12	g.	g.	PROPN
fsr-3442	892	13	,	,	PUNCT
fsr-3442	892	14	&	&	CCONJ
fsr-3442	892	15	zissimopoulos	zissimopoulos	PROPN
fsr-3442	892	16	,	,	PUNCT
fsr-3442	892	17	j.	j.	PROPN
fsr-3442	892	18	(	(	PUNCT
fsr-3442	892	19	2012	2012	NUM
fsr-3442	892	20	)	)	PUNCT
fsr-3442	892	21	.	.	PUNCT
fsr-3442	893	1	what	what	PRON
fsr-3442	893	2	explains	explain	VERB
fsr-3442	893	3	the	the	DET
fsr-3442	893	4	gender	gender	NOUN
fsr-3442	893	5	gap	gap	NOUN
fsr-3442	893	6	in	in	ADP
fsr-3442	893	7	financial	financial	ADJ
fsr-3442	893	8	literacy	literacy	NOUN
fsr-3442	893	9	?	?	PUNCT
fsr-3442	894	1	the	the	DET
fsr-3442	894	2	role	role	NOUN
fsr-3442	894	3	of	of	ADP
fsr-3442	894	4	household	household	NOUN
fsr-3442	894	5	decision	decision	NOUN
fsr-3442	894	6	making	making	NOUN
fsr-3442	894	7	.	.	PUNCT
fsr-3442	895	1	the	the	DET
fsr-3442	895	2	journal	journal	NOUN
fsr-3442	895	3	of	of	ADP
fsr-3442	895	4	consumer	consumer	NOUN
fsr-3442	895	5	affairs	affair	NOUN
fsr-3442	895	6	,	,	PUNCT
fsr-3442	895	7	46	46	NUM
fsr-3442	895	8	,	,	PUNCT
fsr-3442	895	9	90	90	NUM
fsr-3442	895	10	-	-	SYM
fsr-3442	895	11	106	106	NUM
fsr-3442	895	12	.	.	PUNCT
fsr-3442	896	1	garman	garman	PROPN
fsr-3442	896	2	,	,	PUNCT
fsr-3442	896	3	e.	e.	PROPN
fsr-3442	896	4	t.	t.	PROPN
fsr-3442	896	5	,	,	PUNCT
fsr-3442	896	6	leech	leech	NOUN
fsr-3442	896	7	,	,	PUNCT
fsr-3442	896	8	i.	i.	PROPN
fsr-3442	896	9	e.	e.	PROPN
fsr-3442	896	10	,	,	PUNCT
fsr-3442	896	11	&	&	CCONJ
fsr-3442	896	12	grable	grable	PROPN
fsr-3442	896	13	,	,	PUNCT
fsr-3442	896	14	j.	j.	PROPN
fsr-3442	896	15	e.	e.	PROPN
fsr-3442	896	16	(	(	PUNCT
fsr-3442	896	17	1996	1996	NUM
fsr-3442	896	18	)	)	PUNCT
fsr-3442	896	19	.	.	PUNCT
fsr-3442	897	1	the	the	DET
fsr-3442	897	2	negative	negative	ADJ
fsr-3442	897	3	impact	impact	NOUN
fsr-3442	897	4	of	of	ADP
fsr-3442	897	5	employee	employee	NOUN
fsr-3442	897	6	poor	poor	ADJ
fsr-3442	897	7	personal	personal	ADJ
fsr-3442	897	8	financial	financial	ADJ
fsr-3442	897	9	behaviors	behavior	NOUN
fsr-3442	897	10	on	on	ADP
fsr-3442	897	11	employers	employer	NOUN
fsr-3442	897	12	.	.	PUNCT
fsr-3442	898	1	financial	financial	ADJ
fsr-3442	898	2	counseling	counseling	NOUN
fsr-3442	898	3	and	and	CCONJ
fsr-3442	898	4	planning	planning	NOUN
fsr-3442	898	5	,	,	PUNCT
fsr-3442	898	6	7	7	NUM
fsr-3442	898	7	,	,	PUNCT
fsr-3442	898	8	157	157	NUM
fsr-3442	898	9	-	-	SYM
fsr-3442	898	10	168	168	NUM
fsr-3442	898	11	.	.	PUNCT
fsr-3442	899	1	gross	gross	PROPN
fsr-3442	899	2	,	,	PUNCT
fsr-3442	899	3	d.	d.	PROPN
fsr-3442	899	4	b.	b.	PROPN
fsr-3442	899	5	,	,	PUNCT
fsr-3442	899	6	&	&	CCONJ
fsr-3442	899	7	souleles	souleles	PROPN
fsr-3442	899	8	,	,	PUNCT
fsr-3442	899	9	n.	n.	PROPN
fsr-3442	899	10	s.	s.	PROPN
fsr-3442	899	11	(	(	PUNCT
fsr-3442	899	12	2001	2001	NUM
fsr-3442	899	13	)	)	PUNCT
fsr-3442	899	14	.	.	PUNCT
fsr-3442	900	1	do	do	VERB
fsr-3442	900	2	liquidity	liquidity	NOUN
fsr-3442	900	3	constraints	constraint	NOUN
fsr-3442	900	4	and	and	CCONJ
fsr-3442	900	5	interest	interest	NOUN
fsr-3442	900	6	rates	rate	NOUN
fsr-3442	900	7	matter	matter	VERB
fsr-3442	900	8	for	for	ADP
fsr-3442	900	9	consumer	consumer	NOUN
fsr-3442	900	10	behavior	behavior	NOUN
fsr-3442	900	11	?	?	PUNCT
fsr-3442	901	1	evidence	evidence	NOUN
fsr-3442	901	2	from	from	ADP
fsr-3442	901	3	credit	credit	NOUN
fsr-3442	901	4	card	card	NOUN
fsr-3442	901	5	data	datum	NOUN
fsr-3442	901	6	(	(	PUNCT
fsr-3442	901	7	no	no	INTJ
fsr-3442	901	8	.	.	PUNCT
fsr-3442	902	1	w8314	w8314	NOUN
fsr-3442	902	2	)	)	PUNCT
fsr-3442	902	3	.	.	PUNCT
fsr-3442	903	1	cambridge	cambridge	PROPN
fsr-3442	903	2	,	,	PUNCT
fsr-3442	903	3	ma	ma	PROPN
fsr-3442	903	4	:	:	PUNCT
fsr-3442	903	5	national	national	PROPN
fsr-3442	903	6	bureau	bureau	PROPN
fsr-3442	903	7	of	of	ADP
fsr-3442	903	8	economic	economic	ADJ
fsr-3442	903	9	research	research	NOUN
fsr-3442	903	10	.	.	PUNCT
fsr-3442	904	1	gul	gul	PROPN
fsr-3442	904	2	,	,	PUNCT
fsr-3442	904	3	f.	f.	PROPN
fsr-3442	904	4	,	,	PUNCT
fsr-3442	904	5	&	&	CCONJ
fsr-3442	904	6	pesendorfer	pesendorfer	PROPN
fsr-3442	904	7	,	,	PUNCT
fsr-3442	904	8	w.	w.	NOUN
fsr-3442	904	9	(	(	PUNCT
fsr-3442	904	10	2001	2001	NUM
fsr-3442	904	11	)	)	PUNCT
fsr-3442	904	12	.	.	PUNCT
fsr-3442	905	1	dynamic	dynamic	ADJ
fsr-3442	905	2	inconsistency	inconsistency	NOUN
fsr-3442	905	3	and	and	CCONJ
fsr-3442	905	4	self	self	NOUN
fsr-3442	905	5	-	-	PUNCT
fsr-3442	905	6	control	control	NOUN
fsr-3442	905	7	.	.	PUNCT
fsr-3442	906	1	econometrica	econometrica	PROPN
fsr-3442	906	2	,	,	PUNCT
fsr-3442	906	3	69	69	NUM
fsr-3442	906	4	,	,	PUNCT
fsr-3442	906	5	1403	1403	NUM
fsr-3442	906	6	-	-	SYM
fsr-3442	906	7	1436	1436	NUM
fsr-3442	906	8	.	.	PUNCT
fsr-3442	907	1	hamlet	hamlet	PROPN
fsr-3442	907	2	,	,	PUNCT
fsr-3442	907	3	c.	c.	PROPN
fsr-3442	907	4	,	,	PUNCT
fsr-3442	907	5	&	&	CCONJ
fsr-3442	907	6	strube	strube	NOUN
fsr-3442	907	7	,	,	PUNCT
fsr-3442	907	8	m.	m.	NOUN
fsr-3442	907	9	(	(	PUNCT
fsr-3442	907	10	2000	2000	NUM
fsr-3442	907	11	)	)	PUNCT
fsr-3442	907	12	.	.	PUNCT
fsr-3442	908	1	community	community	NOUN
fsr-3442	908	2	banks	bank	NOUN
fsr-3442	908	3	go	go	VERB
fsr-3442	908	4	online	online	ADV
fsr-3442	908	5	.	.	PUNCT
fsr-3442	909	1	aba	aba	PROPN
fsr-3442	909	2	banking	banking	NOUN
fsr-3442	909	3	journal	journal	NOUN
fsr-3442	909	4	,	,	PUNCT
fsr-3442	909	5	92	92	NUM
fsr-3442	909	6	,	,	PUNCT
fsr-3442	909	7	61	61	NUM
fsr-3442	909	8	-	-	SYM
fsr-3442	909	9	65	65	NUM
fsr-3442	909	10	.	.	PUNCT
fsr-3442	910	1	harkin	harkin	PROPN
fsr-3442	910	2	,	,	PUNCT
fsr-3442	910	3	b.	b.	PROPN
fsr-3442	910	4	,	,	PUNCT
fsr-3442	910	5	webb	webb	PROPN
fsr-3442	910	6	,	,	PUNCT
fsr-3442	910	7	t.	t.	PROPN
fsr-3442	910	8	l.	l.	PROPN
fsr-3442	910	9	,	,	PUNCT
fsr-3442	910	10	chang	chang	PROPN
fsr-3442	910	11	,	,	PUNCT
fsr-3442	910	12	b.	b.	PROPN
fsr-3442	910	13	p.	p.	PROPN
fsr-3442	910	14	,	,	PUNCT
fsr-3442	910	15	prestwich	prestwich	PROPN
fsr-3442	910	16	,	,	PUNCT
fsr-3442	910	17	a.	a.	PROPN
fsr-3442	910	18	,	,	PUNCT
fsr-3442	910	19	conner	conner	PROPN
fsr-3442	910	20	,	,	PUNCT
fsr-3442	910	21	m.	m.	NOUN
fsr-3442	910	22	,	,	PUNCT
fsr-3442	910	23	kellar	kellar	PROPN
fsr-3442	910	24	,	,	PUNCT
fsr-3442	910	25	i.	i.	PROPN
fsr-3442	910	26	,	,	PUNCT
fsr-3442	910	27	benn	benn	PROPN
fsr-3442	910	28	,	,	PUNCT
fsr-3442	910	29	y.	y.	PROPN
fsr-3442	910	30	,	,	PUNCT
fsr-3442	910	31	&	&	CCONJ
fsr-3442	910	32	sheeran	sheeran	PROPN
fsr-3442	910	33	,	,	PUNCT
fsr-3442	910	34	p.	p.	NOUN
fsr-3442	910	35	(	(	PUNCT
fsr-3442	910	36	2016	2016	NUM
fsr-3442	910	37	)	)	PUNCT
fsr-3442	910	38	.	.	PUNCT
fsr-3442	911	1	does	do	AUX
fsr-3442	911	2	monitoring	monitor	VERB
fsr-3442	911	3	goal	goal	NOUN
fsr-3442	911	4	progress	progress	NOUN
fsr-3442	911	5	promote	promote	VERB
fsr-3442	911	6	goal	goal	NOUN
fsr-3442	911	7	attainment	attainment	NOUN
fsr-3442	911	8	?	?	PUNCT
fsr-3442	912	1	a	a	DET
fsr-3442	912	2	meta	meta	ADJ
fsr-3442	912	3	-	-	PUNCT
fsr-3442	912	4	analysis	analysis	NOUN
fsr-3442	912	5	of	of	ADP
fsr-3442	912	6	the	the	DET
fsr-3442	912	7	experimental	experimental	ADJ
fsr-3442	912	8	evidence	evidence	NOUN
fsr-3442	912	9	.	.	PUNCT
fsr-3442	913	1	psychological	psychological	ADJ
fsr-3442	913	2	bulletin	bulletin	NOUN
fsr-3442	913	3	,	,	PUNCT
fsr-3442	913	4	142	142	NUM
fsr-3442	913	5	,	,	PUNCT
fsr-3442	913	6	198	198	NUM
fsr-3442	913	7	-	-	SYM
fsr-3442	913	8	229	229	NUM
fsr-3442	913	9	.	.	PUNCT
fsr-3442	914	1	hayhoe	hayhoe	PROPN
fsr-3442	914	2	,	,	PUNCT
fsr-3442	914	3	c.	c.	PROPN
fsr-3442	914	4	r.	r.	PROPN
fsr-3442	914	5	,	,	PUNCT
fsr-3442	914	6	leach	leach	NOUN
fsr-3442	914	7	,	,	PUNCT
fsr-3442	914	8	l.	l.	PROPN
fsr-3442	914	9	j.	j.	PROPN
fsr-3442	914	10	,	,	PUNCT
fsr-3442	914	11	turner	turner	PROPN
fsr-3442	914	12	,	,	PUNCT
fsr-3442	914	13	p.	p.	PROPN
fsr-3442	914	14	r.	r.	PROPN
fsr-3442	914	15	,	,	PUNCT
fsr-3442	914	16	bruin	bruin	NOUN
fsr-3442	914	17	,	,	PUNCT
fsr-3442	914	18	m.	m.	PROPN
fsr-3442	914	19	j.	j.	PROPN
fsr-3442	914	20	,	,	PUNCT
fsr-3442	914	21	&	&	CCONJ
fsr-3442	914	22	lawrence	lawrence	PROPN
fsr-3442	914	23	,	,	PUNCT
fsr-3442	914	24	f.	f.	PROPN
fsr-3442	914	25	c.	c.	PROPN
fsr-3442	914	26	(	(	PUNCT
fsr-3442	914	27	2000	2000	NUM
fsr-3442	914	28	)	)	PUNCT
fsr-3442	914	29	.	.	PUNCT
fsr-3442	915	1	differences	difference	NOUN
fsr-3442	915	2	in	in	ADP
fsr-3442	915	3	spending	spending	NOUN
fsr-3442	915	4	habits	habit	NOUN
fsr-3442	915	5	and	and	CCONJ
fsr-3442	915	6	credit	credit	NOUN
fsr-3442	915	7	use	use	NOUN
fsr-3442	915	8	of	of	ADP
fsr-3442	915	9	college	college	NOUN
fsr-3442	915	10	students	student	NOUN
fsr-3442	915	11	.	.	PUNCT
fsr-3442	916	1	journal	journal	NOUN
fsr-3442	916	2	of	of	ADP
fsr-3442	916	3	consumer	consumer	NOUN
fsr-3442	916	4	affairs	affair	NOUN
fsr-3442	916	5	,	,	PUNCT
fsr-3442	916	6	34	34	NUM
fsr-3442	916	7	,	,	PUNCT
fsr-3442	916	8	113	113	NUM
fsr-3442	916	9	-	-	SYM
fsr-3442	916	10	133	133	NUM
fsr-3442	916	11	.	.	PUNCT
fsr-3442	917	1	hogarth	hogarth	NOUN
fsr-3442	917	2	,	,	PUNCT
fsr-3442	917	3	j.	j.	PROPN
fsr-3442	917	4	m.	m.	PROPN
fsr-3442	917	5	,	,	PUNCT
fsr-3442	917	6	&	&	CCONJ
fsr-3442	917	7	anguelov	anguelov	PROPN
fsr-3442	917	8	,	,	PUNCT
fsr-3442	917	9	c.	c.	PROPN
fsr-3442	917	10	e.	e.	PROPN
fsr-3442	917	11	(	(	PUNCT
fsr-3442	917	12	2004	2004	NUM
fsr-3442	917	13	)	)	PUNCT
fsr-3442	917	14	.	.	PUNCT
fsr-3442	918	1	are	be	AUX
fsr-3442	918	2	families	family	NOUN
fsr-3442	918	3	who	who	PRON
fsr-3442	918	4	use	use	VERB
fsr-3442	918	5	e	e	NOUN
fsr-3442	918	6	-	-	NOUN
fsr-3442	918	7	banking	bank	VERB
fsr-3442	918	8	better	well	ADJ
fsr-3442	918	9	financial	financial	ADJ
fsr-3442	918	10	managers	manager	NOUN
fsr-3442	918	11	?	?	PUNCT
fsr-3442	919	1	financial	financial	ADJ
fsr-3442	919	2	counseling	counseling	NOUN
fsr-3442	919	3	and	and	CCONJ
fsr-3442	919	4	planning	planning	NOUN
fsr-3442	919	5	,	,	PUNCT
fsr-3442	919	6	15	15	NUM
fsr-3442	919	7	,	,	PUNCT
fsr-3442	919	8	61	61	NUM
fsr-3442	919	9	-	-	SYM
fsr-3442	919	10	78	78	NUM
fsr-3442	919	11	.	.	PUNCT
fsr-3442	920	1	huston	huston	PROPN
fsr-3442	920	2	,	,	PUNCT
fsr-3442	920	3	s.	s.	PROPN
fsr-3442	920	4	j.	j.	PROPN
fsr-3442	920	5	,	,	PUNCT
fsr-3442	920	6	&	&	CCONJ
fsr-3442	920	7	chang	chang	PROPN
fsr-3442	920	8	,	,	PUNCT
fsr-3442	920	9	y.	y.	PROPN
fsr-3442	920	10	r.	r.	PROPN
fsr-3442	920	11	(	(	PUNCT
fsr-3442	920	12	1997	1997	NUM
fsr-3442	920	13	)	)	PUNCT
fsr-3442	920	14	.	.	PUNCT
fsr-3442	921	1	adequate	adequate	ADJ
fsr-3442	921	2	emergency	emergency	NOUN
fsr-3442	921	3	fund	fund	NOUN
fsr-3442	921	4	holdings	holding	NOUN
fsr-3442	921	5	and	and	CCONJ
fsr-3442	921	6	household	household	NOUN
fsr-3442	921	7	type	type	NOUN
fsr-3442	921	8	.	.	PUNCT
fsr-3442	922	1	financial	financial	ADJ
fsr-3442	922	2	counseling	counseling	NOUN
fsr-3442	922	3	and	and	CCONJ
fsr-3442	922	4	planning	planning	NOUN
fsr-3442	922	5	,	,	PUNCT
fsr-3442	922	6	8	8	NUM
fsr-3442	922	7	,	,	PUNCT
fsr-3442	922	8	37	37	NUM
fsr-3442	922	9	-	-	SYM
fsr-3442	922	10	46	46	NUM
fsr-3442	922	11	.	.	PUNCT
fsr-3442	923	1	huston	huston	PROPN
fsr-3442	923	2	,	,	PUNCT
fsr-3442	923	3	s.	s.	PROPN
fsr-3442	923	4	j.	j.	PROPN
fsr-3442	923	5	(	(	PUNCT
fsr-3442	923	6	2010	2010	NUM
fsr-3442	923	7	)	)	PUNCT
fsr-3442	923	8	.	.	PUNCT
fsr-3442	924	1	measuring	measure	VERB
fsr-3442	924	2	financial	financial	ADJ
fsr-3442	924	3	literacy	literacy	NOUN
fsr-3442	924	4	.	.	PUNCT
fsr-3442	925	1	journal	journal	NOUN
fsr-3442	925	2	of	of	ADP
fsr-3442	925	3	consumer	consumer	NOUN
fsr-3442	925	4	affairs	affair	NOUN
fsr-3442	925	5	,	,	PUNCT
fsr-3442	925	6	44	44	NUM
fsr-3442	925	7	,	,	PUNCT
fsr-3442	925	8	296	296	NUM
fsr-3442	925	9	-	-	SYM
fsr-3442	925	10	316	316	NUM
fsr-3442	925	11	.	.	NOUN
fsr-3442	926	1	52	52	NUM
fsr-3442	926	2	q.	q.	NOUN
fsr-3442	926	3	bi	bi	NOUN
fsr-3442	926	4	et	et	PROPN
fsr-3442	926	5	al	al	PROPN
fsr-3442	926	6	.	.	PUNCT
fsr-3442	926	7	/	/	SYM
fsr-3442	926	8	financial	financial	ADJ
fsr-3442	926	9	services	service	NOUN
fsr-3442	926	10	review	review	VERB
fsr-3442	926	11	29	29	NUM
fsr-3442	926	12	(	(	PUNCT
fsr-3442	926	13	2021	2021	NUM
fsr-3442	926	14	)	)	PUNCT
fsr-3442	926	15	29–54	29–54	PROPN
fsr-3442	926	16	huston	huston	PROPN
fsr-3442	926	17	,	,	PUNCT
fsr-3442	926	18	s.	s.	PROPN
fsr-3442	926	19	j.	j.	PROPN
fsr-3442	926	20	,	,	PUNCT
fsr-3442	926	21	finke	finke	PROPN
fsr-3442	926	22	,	,	PUNCT
fsr-3442	926	23	m.	m.	NOUN
fsr-3442	926	24	s.	s.	PROPN
fsr-3442	926	25	,	,	PUNCT
fsr-3442	926	26	&	&	CCONJ
fsr-3442	926	27	smith	smith	PROPN
fsr-3442	926	28	,	,	PUNCT
fsr-3442	926	29	h.	h.	PROPN
fsr-3442	926	30	(	(	PUNCT
fsr-3442	926	31	2012	2012	NUM
fsr-3442	926	32	)	)	PUNCT
fsr-3442	926	33	.	.	PUNCT
fsr-3442	927	1	a	a	DET
fsr-3442	927	2	financial	financial	ADJ
fsr-3442	927	3	sophistication	sophistication	NOUN
fsr-3442	927	4	proxy	proxy	NOUN
fsr-3442	927	5	for	for	ADP
fsr-3442	927	6	the	the	DET
fsr-3442	927	7	survey	survey	NOUN
fsr-3442	927	8	of	of	ADP
fsr-3442	927	9	consumer	consumer	NOUN
fsr-3442	927	10	finances	finance	NOUN
fsr-3442	927	11	.	.	PUNCT
fsr-3442	928	1	applied	apply	VERB
fsr-3442	928	2	economics	economic	NOUN
fsr-3442	928	3	letters	letter	NOUN
fsr-3442	928	4	,	,	PUNCT
fsr-3442	928	5	19	19	NUM
fsr-3442	928	6	,	,	PUNCT
fsr-3442	928	7	1275	1275	NUM
fsr-3442	928	8	-	-	SYM
fsr-3442	928	9	1278	1278	NUM
fsr-3442	928	10	.	.	PUNCT
fsr-3442	929	1	jagtiani	jagtiani	PROPN
fsr-3442	929	2	,	,	PUNCT
fsr-3442	929	3	j.	j.	PROPN
fsr-3442	929	4	,	,	PUNCT
fsr-3442	929	5	&	&	CCONJ
fsr-3442	929	6	lemieux	lemieux	PROPN
fsr-3442	929	7	,	,	PUNCT
fsr-3442	929	8	c.	c.	PROPN
fsr-3442	929	9	(	(	PUNCT
fsr-3442	929	10	2018	2018	NUM
fsr-3442	929	11	)	)	PUNCT
fsr-3442	929	12	.	.	PUNCT
fsr-3442	930	1	do	do	AUX
fsr-3442	930	2	fintech	fintech	NOUN
fsr-3442	930	3	lenders	lender	NOUN
fsr-3442	930	4	penetrate	penetrate	VERB
fsr-3442	930	5	areas	area	NOUN
fsr-3442	930	6	that	that	PRON
fsr-3442	930	7	are	be	AUX
fsr-3442	930	8	underserved	underserved	ADJ
fsr-3442	930	9	by	by	ADP
fsr-3442	930	10	traditional	traditional	ADJ
fsr-3442	930	11	banks	bank	NOUN
fsr-3442	930	12	?	?	PUNCT
fsr-3442	931	1	journal	journal	NOUN
fsr-3442	931	2	of	of	ADP
fsr-3442	931	3	economics	economic	NOUN
fsr-3442	931	4	and	and	CCONJ
fsr-3442	931	5	business	business	NOUN
fsr-3442	931	6	,	,	PUNCT
fsr-3442	931	7	100	100	NUM
fsr-3442	931	8	,	,	PUNCT
fsr-3442	931	9	43	43	NUM
fsr-3442	931	10	-	-	SYM
fsr-3442	931	11	54	54	NUM
fsr-3442	931	12	.	.	PUNCT
fsr-3442	932	1	jeske	jeske	PROPN
fsr-3442	932	2	,	,	PUNCT
fsr-3442	932	3	k.	k.	PROPN
fsr-3442	932	4	,	,	PUNCT
fsr-3442	932	5	&	&	CCONJ
fsr-3442	932	6	kitao	kitao	PROPN
fsr-3442	932	7	,	,	PUNCT
fsr-3442	932	8	s.	s.	PROPN
fsr-3442	932	9	(	(	PUNCT
fsr-3442	932	10	2009	2009	NUM
fsr-3442	932	11	)	)	PUNCT
fsr-3442	932	12	.	.	PUNCT
fsr-3442	933	1	us	we	PRON
fsr-3442	933	2	tax	tax	NOUN
fsr-3442	933	3	policy	policy	NOUN
fsr-3442	933	4	and	and	CCONJ
fsr-3442	933	5	health	health	NOUN
fsr-3442	933	6	insurance	insurance	NOUN
fsr-3442	933	7	demand	demand	NOUN
fsr-3442	933	8	:	:	PUNCT
fsr-3442	933	9	can	can	AUX
fsr-3442	933	10	a	a	DET
fsr-3442	933	11	regressive	regressive	ADJ
fsr-3442	933	12	policy	policy	NOUN
fsr-3442	933	13	improve	improve	VERB
fsr-3442	933	14	welfare	welfare	NOUN
fsr-3442	933	15	?	?	PUNCT
fsr-3442	934	1	journal	journal	NOUN
fsr-3442	934	2	of	of	ADP
fsr-3442	934	3	monetary	monetary	ADJ
fsr-3442	934	4	economics	economic	NOUN
fsr-3442	934	5	,	,	PUNCT
fsr-3442	934	6	56	56	NUM
fsr-3442	934	7	,	,	PUNCT
fsr-3442	934	8	210	210	NUM
fsr-3442	934	9	-	-	SYM
fsr-3442	934	10	221	221	NUM
fsr-3442	934	11	.	.	PUNCT
fsr-3442	935	1	jun	jun	PROPN
fsr-3442	935	2	,	,	PUNCT
fsr-3442	935	3	m.	m.	NOUN
fsr-3442	935	4	,	,	PUNCT
fsr-3442	935	5	&	&	CCONJ
fsr-3442	935	6	cai	cai	PROPN
fsr-3442	935	7	,	,	PUNCT
fsr-3442	935	8	s.	s.	PROPN
fsr-3442	935	9	(	(	PUNCT
fsr-3442	935	10	2001	2001	NUM
fsr-3442	935	11	)	)	PUNCT
fsr-3442	935	12	.	.	PUNCT
fsr-3442	936	1	the	the	DET
fsr-3442	936	2	key	key	ADJ
fsr-3442	936	3	determinants	determinant	NOUN
fsr-3442	936	4	of	of	ADP
fsr-3442	936	5	internet	internet	NOUN
fsr-3442	936	6	banking	banking	NOUN
fsr-3442	936	7	service	service	NOUN
fsr-3442	936	8	quality	quality	NOUN
fsr-3442	936	9	:	:	PUNCT
fsr-3442	936	10	a	a	DET
fsr-3442	936	11	content	content	NOUN
fsr-3442	936	12	analysis	analysis	NOUN
fsr-3442	936	13	.	.	PUNCT
fsr-3442	937	1	international	international	ADJ
fsr-3442	937	2	journal	journal	PROPN
fsr-3442	937	3	of	of	ADP
fsr-3442	937	4	bank	bank	PROPN
fsr-3442	937	5	marketing	marketing	NOUN
fsr-3442	937	6	,	,	PUNCT
fsr-3442	937	7	19	19	NUM
fsr-3442	937	8	,	,	PUNCT
fsr-3442	937	9	276	276	NUM
fsr-3442	937	10	-	-	SYM
fsr-3442	937	11	291	291	NUM
fsr-3442	937	12	.	.	PUNCT
fsr-3442	938	1	kim	kim	PROPN
fsr-3442	938	2	,	,	PUNCT
fsr-3442	938	3	b.	b.	PROPN
fsr-3442	938	4	m.	m.	PROPN
fsr-3442	938	5	,	,	PUNCT
fsr-3442	938	6	widdows	widdow	NOUN
fsr-3442	938	7	,	,	PUNCT
fsr-3442	938	8	r.	r.	PROPN
fsr-3442	938	9	,	,	PUNCT
fsr-3442	938	10	&	&	CCONJ
fsr-3442	938	11	yilmazer	yilmazer	NOUN
fsr-3442	938	12	,	,	PUNCT
fsr-3442	938	13	t.	t.	PROPN
fsr-3442	938	14	(	(	PUNCT
fsr-3442	938	15	2005	2005	NUM
fsr-3442	938	16	)	)	PUNCT
fsr-3442	938	17	.	.	PUNCT
fsr-3442	939	1	the	the	DET
fsr-3442	939	2	determinants	determinant	NOUN
fsr-3442	939	3	of	of	ADP
fsr-3442	939	4	consumers	consumer	NOUN
fsr-3442	939	5	’	’	PART
fsr-3442	939	6	adoption	adoption	NOUN
fsr-3442	939	7	of	of	ADP
fsr-3442	939	8	internet	internet	NOUN
fsr-3442	939	9	banking	banking	NOUN
fsr-3442	939	10	.	.	PUNCT
fsr-3442	940	1	in	in	ADP
fsr-3442	940	2	proceedings	proceeding	NOUN
fsr-3442	940	3	of	of	ADP
fsr-3442	940	4	the	the	DET
fsr-3442	940	5	consumer	consumer	NOUN
fsr-3442	940	6	behavior	behavior	NOUN
fsr-3442	940	7	and	and	CCONJ
fsr-3442	940	8	payment	payment	NOUN
fsr-3442	940	9	choice	choice	NOUN
fsr-3442	940	10	2005	2005	NUM
fsr-3442	940	11	conference	conference	NOUN
fsr-3442	940	12	.	.	PUNCT
fsr-3442	941	1	(	(	PUNCT
fsr-3442	941	2	pp	pp	ADJ
fsr-3442	941	3	.	.	PUNCT
fsr-3442	942	1	1	1	NUM
fsr-3442	942	2	-	-	SYM
fsr-3442	942	3	34	34	NUM
fsr-3442	942	4	)	)	PUNCT
fsr-3442	942	5	.	.	PUNCT
fsr-3442	943	1	boston	boston	PROPN
fsr-3442	943	2	,	,	PUNCT
fsr-3442	943	3	ma	ma	PROPN
fsr-3442	943	4	.	.	PROPN
fsr-3442	943	5	kolodinsky	kolodinsky	PROPN
fsr-3442	943	6	,	,	PUNCT
fsr-3442	943	7	j.	j.	PROPN
fsr-3442	943	8	m.	m.	PROPN
fsr-3442	943	9	,	,	PUNCT
fsr-3442	943	10	hogarth	hogarth	NOUN
fsr-3442	943	11	,	,	PUNCT
fsr-3442	943	12	j.	j.	PROPN
fsr-3442	943	13	m.	m.	PROPN
fsr-3442	943	14	,	,	PUNCT
fsr-3442	943	15	&	&	CCONJ
fsr-3442	943	16	hilgert	hilgert	PROPN
fsr-3442	943	17	,	,	PUNCT
fsr-3442	943	18	m.	m.	NOUN
fsr-3442	943	19	a.	a.	NOUN
fsr-3442	943	20	(	(	PUNCT
fsr-3442	943	21	2004	2004	NUM
fsr-3442	943	22	)	)	PUNCT
fsr-3442	943	23	.	.	PUNCT
fsr-3442	944	1	the	the	DET
fsr-3442	944	2	adoption	adoption	NOUN
fsr-3442	944	3	of	of	ADP
fsr-3442	944	4	electronic	electronic	ADJ
fsr-3442	944	5	banking	banking	NOUN
fsr-3442	944	6	technologies	technology	NOUN
fsr-3442	944	7	by	by	ADP
fsr-3442	944	8	u.s	u.s	PROPN
fsr-3442	944	9	.	.	PROPN
fsr-3442	944	10	consumers	consumer	NOUN
fsr-3442	944	11	.	.	PUNCT
fsr-3442	945	1	international	international	ADJ
fsr-3442	945	2	journal	journal	PROPN
fsr-3442	945	3	of	of	ADP
fsr-3442	945	4	bank	bank	PROPN
fsr-3442	945	5	marketing	marketing	NOUN
fsr-3442	945	6	,	,	PUNCT
fsr-3442	945	7	22	22	NUM
fsr-3442	945	8	,	,	PUNCT
fsr-3442	945	9	238	238	NUM
fsr-3442	945	10	-	-	SYM
fsr-3442	945	11	259	259	NUM
fsr-3442	945	12	.	.	PUNCT
fsr-3442	946	1	lee	lee	PROPN
fsr-3442	946	2	,	,	PUNCT
fsr-3442	946	3	j.	j.	PROPN
fsr-3442	946	4	,	,	PUNCT
fsr-3442	946	5	&	&	CCONJ
fsr-3442	946	6	hogarth	hogarth	PROPN
fsr-3442	946	7	,	,	PUNCT
fsr-3442	946	8	j.	j.	PROPN
fsr-3442	946	9	m.	m.	PROPN
fsr-3442	946	10	(	(	PUNCT
fsr-3442	946	11	1999	1999	NUM
fsr-3442	946	12	)	)	PUNCT
fsr-3442	946	13	.	.	PUNCT
fsr-3442	947	1	returns	return	NOUN
fsr-3442	947	2	to	to	ADP
fsr-3442	947	3	information	information	NOUN
fsr-3442	947	4	search	search	NOUN
fsr-3442	947	5	:	:	PUNCT
fsr-3442	947	6	consumer	consumer	NOUN
fsr-3442	947	7	credit	credit	NOUN
fsr-3442	947	8	card	card	NOUN
fsr-3442	947	9	shopping	shopping	NOUN
fsr-3442	947	10	decisions	decision	NOUN
fsr-3442	947	11	.	.	PUNCT
fsr-3442	948	1	journal	journal	NOUN
fsr-3442	948	2	of	of	ADP
fsr-3442	948	3	financial	financial	ADJ
fsr-3442	948	4	counseling	counseling	NOUN
fsr-3442	948	5	and	and	CCONJ
fsr-3442	948	6	planning	planning	NOUN
fsr-3442	948	7	,	,	PUNCT
fsr-3442	948	8	10	10	NUM
fsr-3442	948	9	,	,	PUNCT
fsr-3442	948	10	23	23	NUM
fsr-3442	948	11	-	-	SYM
fsr-3442	948	12	35	35	NUM
fsr-3442	948	13	.	.	PUNCT
fsr-3442	949	1	lee	lee	PROPN
fsr-3442	949	2	,	,	PUNCT
fsr-3442	949	3	e.	e.	PROPN
fsr-3442	949	4	,	,	PUNCT
fsr-3442	949	5	&	&	CCONJ
fsr-3442	949	6	lee	lee	PROPN
fsr-3442	949	7	,	,	PUNCT
fsr-3442	949	8	j.	j.	PROPN
fsr-3442	949	9	(	(	PUNCT
fsr-3442	949	10	2000	2000	NUM
fsr-3442	949	11	)	)	PUNCT
fsr-3442	949	12	.	.	PUNCT
fsr-3442	950	1	have	have	AUX
fsr-3442	950	2	n’t	not	PART
fsr-3442	950	3	adopted	adopt	VERB
fsr-3442	950	4	electronic	electronic	ADJ
fsr-3442	950	5	financial	financial	ADJ
fsr-3442	950	6	services	service	NOUN
fsr-3442	950	7	yet	yet	ADV
fsr-3442	950	8	?	?	PUNCT
fsr-3442	951	1	the	the	DET
fsr-3442	951	2	acceptance	acceptance	NOUN
fsr-3442	951	3	and	and	CCONJ
fsr-3442	951	4	diffusion	diffusion	NOUN
fsr-3442	951	5	of	of	ADP
fsr-3442	951	6	electronic	electronic	ADJ
fsr-3442	951	7	banking	banking	NOUN
fsr-3442	951	8	technologies	technology	NOUN
fsr-3442	951	9	.	.	PUNCT
fsr-3442	952	1	financial	financial	ADJ
fsr-3442	952	2	counseling	counseling	NOUN
fsr-3442	952	3	and	and	CCONJ
fsr-3442	952	4	planning	planning	NOUN
fsr-3442	952	5	,	,	PUNCT
fsr-3442	952	6	11	11	NUM
fsr-3442	952	7	,	,	PUNCT
fsr-3442	952	8	49	49	NUM
fsr-3442	952	9	-	-	SYM
fsr-3442	952	10	60	60	NUM
fsr-3442	952	11	.	.	PUNCT
fsr-3442	953	1	lee	lee	PROPN
fsr-3442	953	2	,	,	PUNCT
fsr-3442	953	3	e.	e.	PROPN
fsr-3442	953	4	,	,	PUNCT
fsr-3442	953	5	&	&	CCONJ
fsr-3442	953	6	lee	lee	PROPN
fsr-3442	953	7	,	,	PUNCT
fsr-3442	953	8	j.	j.	PROPN
fsr-3442	953	9	(	(	PUNCT
fsr-3442	953	10	2001	2001	NUM
fsr-3442	953	11	)	)	PUNCT
fsr-3442	953	12	.	.	PUNCT
fsr-3442	954	1	consumer	consumer	NOUN
fsr-3442	954	2	adoption	adoption	NOUN
fsr-3442	954	3	of	of	ADP
fsr-3442	954	4	internet	internet	NOUN
fsr-3442	954	5	banking	banking	NOUN
fsr-3442	954	6	:	:	PUNCT
fsr-3442	954	7	need	need	NOUN
fsr-3442	954	8	-	-	PUNCT
fsr-3442	954	9	based	base	VERB
fsr-3442	954	10	and/or	and/or	CCONJ
fsr-3442	954	11	skill	skill	NOUN
fsr-3442	954	12	based	base	VERB
fsr-3442	954	13	?	?	PUNCT
fsr-3442	955	1	marketing	marketing	NOUN
fsr-3442	955	2	management	management	NOUN
fsr-3442	955	3	journal	journal	NOUN
fsr-3442	955	4	,	,	PUNCT
fsr-3442	955	5	11	11	NUM
fsr-3442	955	6	,	,	PUNCT
fsr-3442	955	7	101	101	NUM
fsr-3442	955	8	-	-	SYM
fsr-3442	955	9	113	113	NUM
fsr-3442	955	10	.	.	PUNCT
fsr-3442	956	1	lee	lee	PROPN
fsr-3442	956	2	,	,	PUNCT
fsr-3442	956	3	e.	e.	PROPN
fsr-3442	956	4	,	,	PUNCT
fsr-3442	956	5	lee	lee	PROPN
fsr-3442	956	6	,	,	PUNCT
fsr-3442	956	7	j.	j.	PROPN
fsr-3442	956	8	,	,	PUNCT
fsr-3442	956	9	&	&	CCONJ
fsr-3442	956	10	eastwood	eastwood	PROPN
fsr-3442	956	11	,	,	PUNCT
fsr-3442	956	12	d.	d.	PROPN
fsr-3442	956	13	(	(	PUNCT
fsr-3442	956	14	2003	2003	NUM
fsr-3442	956	15	)	)	PUNCT
fsr-3442	956	16	.	.	PUNCT
fsr-3442	957	1	a	a	DET
fsr-3442	957	2	two	two	NUM
fsr-3442	957	3	-	-	PUNCT
fsr-3442	957	4	step	step	NOUN
fsr-3442	957	5	estimation	estimation	NOUN
fsr-3442	957	6	of	of	ADP
fsr-3442	957	7	consumer	consumer	NOUN
fsr-3442	957	8	adoption	adoption	NOUN
fsr-3442	957	9	of	of	ADP
fsr-3442	957	10	technology	technology	NOUN
fsr-3442	957	11	-	-	PUNCT
fsr-3442	957	12	based	base	VERB
fsr-3442	957	13	service	service	NOUN
fsr-3442	957	14	innovations	innovation	NOUN
fsr-3442	957	15	.	.	PUNCT
fsr-3442	958	1	journal	journal	NOUN
fsr-3442	958	2	of	of	ADP
fsr-3442	958	3	consumer	consumer	NOUN
fsr-3442	958	4	affairs	affair	NOUN
fsr-3442	958	5	,	,	PUNCT
fsr-3442	958	6	37	37	NUM
fsr-3442	958	7	,	,	PUNCT
fsr-3442	958	8	256	256	NUM
fsr-3442	958	9	-	-	SYM
fsr-3442	958	10	282	282	NUM
fsr-3442	958	11	.	.	PUNCT
fsr-3442	959	1	letkiewicz	letkiewicz	PROPN
fsr-3442	959	2	,	,	PUNCT
fsr-3442	959	3	j.	j.	PROPN
fsr-3442	959	4	,	,	PUNCT
fsr-3442	959	5	robinson	robinson	PROPN
fsr-3442	959	6	,	,	PUNCT
fsr-3442	959	7	c.	c.	PROPN
fsr-3442	959	8	,	,	PUNCT
fsr-3442	959	9	&	&	CCONJ
fsr-3442	959	10	domian	domian	PROPN
fsr-3442	959	11	,	,	PUNCT
fsr-3442	959	12	d.	d.	PROPN
fsr-3442	959	13	(	(	PUNCT
fsr-3442	959	14	2016	2016	NUM
fsr-3442	959	15	)	)	PUNCT
fsr-3442	959	16	.	.	PUNCT
fsr-3442	960	1	behavioral	behavioral	ADJ
fsr-3442	960	2	and	and	CCONJ
fsr-3442	960	3	wealth	wealth	NOUN
fsr-3442	960	4	considerations	consideration	NOUN
fsr-3442	960	5	for	for	ADP
fsr-3442	960	6	seeking	seek	VERB
fsr-3442	960	7	professional	professional	ADJ
fsr-3442	960	8	financial	financial	ADJ
fsr-3442	960	9	planning	planning	NOUN
fsr-3442	960	10	help	help	NOUN
fsr-3442	960	11	.	.	PUNCT
fsr-3442	961	1	financial	financial	ADJ
fsr-3442	961	2	services	service	NOUN
fsr-3442	961	3	review	review	PROPN
fsr-3442	961	4	,	,	PUNCT
fsr-3442	961	5	25	25	NUM
fsr-3442	961	6	,	,	PUNCT
fsr-3442	961	7	105	105	NUM
fsr-3442	961	8	-	-	SYM
fsr-3442	961	9	126	126	NUM
fsr-3442	961	10	.	.	PUNCT
fsr-3442	962	1	lewis	lewis	PROPN
fsr-3442	962	2	,	,	PUNCT
fsr-3442	962	3	f.	f.	PROPN
fsr-3442	962	4	(	(	PUNCT
fsr-3442	962	5	1989	1989	NUM
fsr-3442	962	6	)	)	PUNCT
fsr-3442	962	7	.	.	PUNCT
fsr-3442	963	1	dependents	dependent	NOUN
fsr-3442	963	2	and	and	CCONJ
fsr-3442	963	3	the	the	DET
fsr-3442	963	4	demand	demand	NOUN
fsr-3442	963	5	for	for	ADP
fsr-3442	963	6	life	life	NOUN
fsr-3442	963	7	insurance	insurance	NOUN
fsr-3442	963	8	.	.	PUNCT
fsr-3442	964	1	the	the	DET
fsr-3442	964	2	american	american	PROPN
fsr-3442	964	3	economic	economic	PROPN
fsr-3442	964	4	review	review	PROPN
fsr-3442	964	5	,	,	PUNCT
fsr-3442	964	6	79	79	NUM
fsr-3442	964	7	,	,	PUNCT
fsr-3442	964	8	452	452	NUM
fsr-3442	964	9	-	-	SYM
fsr-3442	964	10	467	467	NUM
fsr-3442	964	11	.	.	PUNCT
fsr-3442	965	1	lin	lin	PROPN
fsr-3442	965	2	,	,	PUNCT
fsr-3442	965	3	y.	y.	PROPN
fsr-3442	965	4	,	,	PUNCT
fsr-3442	965	5	&	&	CCONJ
fsr-3442	965	6	grace	grace	NOUN
fsr-3442	965	7	,	,	PUNCT
fsr-3442	965	8	m.	m.	NOUN
fsr-3442	965	9	f.	f.	PROPN
fsr-3442	965	10	(	(	PUNCT
fsr-3442	965	11	2007	2007	NUM
fsr-3442	965	12	)	)	PUNCT
fsr-3442	965	13	.	.	PUNCT
fsr-3442	966	1	household	household	NOUN
fsr-3442	966	2	life	life	NOUN
fsr-3442	966	3	cycle	cycle	NOUN
fsr-3442	966	4	protection	protection	NOUN
fsr-3442	966	5	:	:	PUNCT
fsr-3442	966	6	life	life	NOUN
fsr-3442	966	7	insurance	insurance	NOUN
fsr-3442	966	8	holdings	holding	NOUN
fsr-3442	966	9	,	,	PUNCT
fsr-3442	966	10	financial	financial	ADJ
fsr-3442	966	11	vulnerability	vulnerability	NOUN
fsr-3442	966	12	,	,	PUNCT
fsr-3442	966	13	and	and	CCONJ
fsr-3442	966	14	portfolio	portfolio	NOUN
fsr-3442	966	15	implications	implication	NOUN
fsr-3442	966	16	.	.	PUNCT
fsr-3442	967	1	journal	journal	NOUN
fsr-3442	967	2	of	of	ADP
fsr-3442	967	3	risk	risk	NOUN
fsr-3442	967	4	&	&	CCONJ
fsr-3442	967	5	insurance	insurance	NOUN
fsr-3442	967	6	,	,	PUNCT
fsr-3442	967	7	74	74	NUM
fsr-3442	967	8	,	,	PUNCT
fsr-3442	967	9	141	141	NUM
fsr-3442	967	10	-	-	SYM
fsr-3442	967	11	173	173	NUM
fsr-3442	967	12	.	.	PUNCT
fsr-3442	968	1	livshits	livshit	NOUN
fsr-3442	968	2	,	,	PUNCT
fsr-3442	968	3	i.	i.	PROPN
fsr-3442	968	4	,	,	PUNCT
fsr-3442	968	5	tertilt	tertilt	VERB
fsr-3442	968	6	,	,	PUNCT
fsr-3442	968	7	m.	m.	NOUN
fsr-3442	968	8	,	,	PUNCT
fsr-3442	968	9	&	&	CCONJ
fsr-3442	968	10	macgee	macgee	PROPN
fsr-3442	968	11	,	,	PUNCT
fsr-3442	968	12	j.	j.	PROPN
fsr-3442	968	13	(	(	PUNCT
fsr-3442	968	14	2007	2007	NUM
fsr-3442	968	15	)	)	PUNCT
fsr-3442	968	16	.	.	PUNCT
fsr-3442	969	1	consumer	consumer	NOUN
fsr-3442	969	2	bankruptcy	bankruptcy	NOUN
fsr-3442	969	3	:	:	PUNCT
fsr-3442	969	4	a	a	DET
fsr-3442	969	5	fresh	fresh	ADJ
fsr-3442	969	6	start	start	NOUN
fsr-3442	969	7	.	.	PUNCT
fsr-3442	970	1	american	american	PROPN
fsr-3442	970	2	economic	economic	PROPN
fsr-3442	970	3	review	review	PROPN
fsr-3442	970	4	,	,	PUNCT
fsr-3442	970	5	97	97	NUM
fsr-3442	970	6	,	,	PUNCT
fsr-3442	970	7	402	402	NUM
fsr-3442	970	8	-	-	SYM
fsr-3442	970	9	418	418	NUM
fsr-3442	970	10	.	.	PUNCT
fsr-3442	971	1	lind	lind	PROPN
fsr-3442	971	2	,	,	PUNCT
fsr-3442	971	3	t.	t.	PROPN
fsr-3442	971	4	,	,	PUNCT
fsr-3442	971	5	ahmed	ahmed	PROPN
fsr-3442	971	6	,	,	PUNCT
fsr-3442	971	7	a.	a.	PROPN
fsr-3442	971	8	,	,	PUNCT
fsr-3442	971	9	skagerlund	skagerlund	PROPN
fsr-3442	971	10	,	,	PUNCT
fsr-3442	971	11	k.	k.	PROPN
fsr-3442	971	12	,	,	PUNCT
fsr-3442	971	13	strömbäck	strömbäck	PROPN
fsr-3442	971	14	,	,	PUNCT
fsr-3442	971	15	c.	c.	PROPN
fsr-3442	971	16	,	,	PUNCT
fsr-3442	971	17	västfjäll	västfjäll	PROPN
fsr-3442	971	18	,	,	PUNCT
fsr-3442	971	19	d.	d.	PROPN
fsr-3442	971	20	,	,	PUNCT
fsr-3442	971	21	&	&	CCONJ
fsr-3442	971	22	tinghög	tinghög	PROPN
fsr-3442	971	23	,	,	PUNCT
fsr-3442	971	24	g.	g.	PROPN
fsr-3442	971	25	(	(	PUNCT
fsr-3442	971	26	2020	2020	NUM
fsr-3442	971	27	)	)	PUNCT
fsr-3442	971	28	.	.	PUNCT
fsr-3442	972	1	competence	competence	NOUN
fsr-3442	972	2	,	,	PUNCT
fsr-3442	972	3	confidence	confidence	NOUN
fsr-3442	972	4	,	,	PUNCT
fsr-3442	972	5	and	and	CCONJ
fsr-3442	972	6	gender	gender	NOUN
fsr-3442	972	7	:	:	PUNCT
fsr-3442	972	8	the	the	DET
fsr-3442	972	9	role	role	NOUN
fsr-3442	972	10	of	of	ADP
fsr-3442	972	11	objective	objective	ADJ
fsr-3442	972	12	and	and	CCONJ
fsr-3442	972	13	subjective	subjective	ADJ
fsr-3442	972	14	financial	financial	ADJ
fsr-3442	972	15	knowledge	knowledge	NOUN
fsr-3442	972	16	in	in	ADP
fsr-3442	972	17	household	household	NOUN
fsr-3442	972	18	finance	finance	NOUN
fsr-3442	972	19	.	.	PUNCT
fsr-3442	973	1	journal	journal	NOUN
fsr-3442	973	2	of	of	ADP
fsr-3442	973	3	family	family	NOUN
fsr-3442	973	4	and	and	CCONJ
fsr-3442	973	5	economic	economic	ADJ
fsr-3442	973	6	issues	issue	NOUN
fsr-3442	973	7	.	.	PUNCT
fsr-3442	974	1	lusardi	lusardi	NOUN
fsr-3442	974	2	,	,	PUNCT
fsr-3442	974	3	a.	a.	NOUN
fsr-3442	974	4	(	(	PUNCT
fsr-3442	974	5	2010	2010	NUM
fsr-3442	974	6	)	)	PUNCT
fsr-3442	974	7	.	.	PUNCT
fsr-3442	975	1	information	information	NOUN
fsr-3442	975	2	,	,	PUNCT
fsr-3442	975	3	expectations	expectation	NOUN
fsr-3442	975	4	,	,	PUNCT
fsr-3442	975	5	and	and	CCONJ
fsr-3442	975	6	savings	saving	NOUN
fsr-3442	975	7	for	for	ADP
fsr-3442	975	8	retirement	retirement	NOUN
fsr-3442	975	9	.	.	PUNCT
fsr-3442	976	1	in	in	ADP
fsr-3442	976	2	h.	h.	PROPN
fsr-3442	976	3	j.	j.	PROPN
fsr-3442	976	4	aaron	aaron	PROPN
fsr-3442	976	5	(	(	PUNCT
fsr-3442	976	6	ed	ed	NOUN
fsr-3442	976	7	.	.	PUNCT
fsr-3442	976	8	)	)	PUNCT
fsr-3442	976	9	,	,	PUNCT
fsr-3442	976	10	behavioral	behavioral	ADJ
fsr-3442	976	11	dimensions	dimension	NOUN
fsr-3442	976	12	of	of	ADP
fsr-3442	976	13	retirement	retirement	NOUN
fsr-3442	976	14	economics	economic	NOUN
fsr-3442	976	15	(	(	PUNCT
fsr-3442	976	16	pp	pp	PROPN
fsr-3442	976	17	.	.	PUNCT
fsr-3442	977	1	81	81	NUM
fsr-3442	977	2	-	-	SYM
fsr-3442	977	3	115	115	NUM
fsr-3442	977	4	)	)	PUNCT
fsr-3442	977	5	.	.	PUNCT
fsr-3442	978	1	washington	washington	PROPN
fsr-3442	978	2	,	,	PUNCT
fsr-3442	978	3	dc	dc	PROPN
fsr-3442	978	4	:	:	PUNCT
fsr-3442	978	5	brookings	brookings	PROPN
fsr-3442	978	6	institution	institution	PROPN
fsr-3442	978	7	press	press	PROPN
fsr-3442	978	8	and	and	CCONJ
fsr-3442	978	9	russell	russell	PROPN
fsr-3442	978	10	sage	sage	PROPN
fsr-3442	978	11	foundation	foundation	PROPN
fsr-3442	978	12	.	.	PUNCT
fsr-3442	979	1	lusardi	lusardi	PROPN
fsr-3442	979	2	,	,	PUNCT
fsr-3442	979	3	a.	a.	PROPN
fsr-3442	979	4	,	,	PUNCT
fsr-3442	979	5	&	&	CCONJ
fsr-3442	979	6	mitchell	mitchell	PROPN
fsr-3442	979	7	,	,	PUNCT
fsr-3442	979	8	o.	o.	PROPN
fsr-3442	979	9	s.	s.	PROPN
fsr-3442	979	10	(	(	PUNCT
fsr-3442	979	11	2008	2008	NUM
fsr-3442	979	12	)	)	PUNCT
fsr-3442	979	13	.	.	PUNCT
fsr-3442	980	1	planning	planning	NOUN
fsr-3442	980	2	and	and	CCONJ
fsr-3442	980	3	financial	financial	ADJ
fsr-3442	980	4	literacy	literacy	NOUN
fsr-3442	980	5	:	:	PUNCT
fsr-3442	980	6	how	how	SCONJ
fsr-3442	980	7	do	do	AUX
fsr-3442	980	8	women	woman	NOUN
fsr-3442	980	9	fare	fare	VERB
fsr-3442	980	10	?	?	PUNCT
fsr-3442	981	1	american	american	PROPN
fsr-3442	981	2	economic	economic	PROPN
fsr-3442	981	3	review	review	PROPN
fsr-3442	981	4	,	,	PUNCT
fsr-3442	981	5	98	98	NUM
fsr-3442	981	6	,	,	PUNCT
fsr-3442	981	7	413	413	NUM
fsr-3442	981	8	-	-	SYM
fsr-3442	981	9	417	417	NUM
fsr-3442	981	10	.	.	PUNCT
fsr-3442	982	1	merry	merry	PROPN
fsr-3442	982	2	,	,	PUNCT
fsr-3442	982	3	e.	e.	PROPN
fsr-3442	982	4	a.	a.	PROPN
fsr-3442	982	5	(	(	PUNCT
fsr-3442	982	6	2018	2018	NUM
fsr-3442	982	7	)	)	PUNCT
fsr-3442	982	8	.	.	PUNCT
fsr-3442	983	1	mobile	mobile	ADJ
fsr-3442	983	2	banking	banking	NOUN
fsr-3442	983	3	:	:	PUNCT
fsr-3442	983	4	a	a	DET
fsr-3442	983	5	closer	close	ADJ
fsr-3442	983	6	look	look	NOUN
fsr-3442	983	7	at	at	ADP
fsr-3442	983	8	survey	survey	NOUN
fsr-3442	983	9	measures	measure	NOUN
fsr-3442	983	10	.	.	PUNCT
fsr-3442	984	1	feds	fed	NOUN
fsr-3442	984	2	notes	note	NOUN
fsr-3442	984	3	.	.	PUNCT
fsr-3442	985	1	washington	washington	PROPN
fsr-3442	985	2	:	:	PUNCT
fsr-3442	985	3	board	board	NOUN
fsr-3442	985	4	of	of	ADP
fsr-3442	985	5	governors	governor	NOUN
fsr-3442	985	6	of	of	ADP
fsr-3442	985	7	the	the	DET
fsr-3442	985	8	federal	federal	PROPN
fsr-3442	985	9	reserve	reserve	PROPN
fsr-3442	985	10	system	system	NOUN
fsr-3442	985	11	,	,	PUNCT
fsr-3442	985	12	march	march	PROPN
fsr-3442	985	13	27	27	NUM
fsr-3442	985	14	,	,	PUNCT
fsr-3442	985	15	2018	2018	NUM
fsr-3442	985	16	.	.	PUNCT
fsr-3442	986	1	modigliani	modigliani	PROPN
fsr-3442	986	2	,	,	PUNCT
fsr-3442	986	3	f.	f.	PROPN
fsr-3442	986	4	,	,	PUNCT
fsr-3442	986	5	&	&	CCONJ
fsr-3442	986	6	brumberg	brumberg	PROPN
fsr-3442	986	7	,	,	PUNCT
fsr-3442	986	8	r.	r.	PROPN
fsr-3442	986	9	(	(	PUNCT
fsr-3442	986	10	1954	1954	NUM
fsr-3442	986	11	)	)	PUNCT
fsr-3442	986	12	.	.	PUNCT
fsr-3442	987	1	utility	utility	NOUN
fsr-3442	987	2	analysis	analysis	NOUN
fsr-3442	987	3	and	and	CCONJ
fsr-3442	987	4	the	the	DET
fsr-3442	987	5	consumption	consumption	NOUN
fsr-3442	987	6	function	function	NOUN
fsr-3442	987	7	:	:	PUNCT
fsr-3442	987	8	an	an	DET
fsr-3442	987	9	interpretation	interpretation	NOUN
fsr-3442	987	10	of	of	ADP
fsr-3442	987	11	cross	cross	ADJ
fsr-3442	987	12	-	-	ADJ
fsr-3442	987	13	section	section	ADJ
fsr-3442	987	14	data	datum	NOUN
fsr-3442	987	15	.	.	PUNCT
fsr-3442	988	1	franco	franco	PROPN
fsr-3442	988	2	modigliani	modigliani	PROPN
fsr-3442	988	3	,	,	PUNCT
fsr-3442	988	4	1	1	NUM
fsr-3442	988	5	,	,	PUNCT
fsr-3442	988	6	388	388	NUM
fsr-3442	988	7	-	-	SYM
fsr-3442	988	8	436	436	NUM
fsr-3442	988	9	.	.	PUNCT
fsr-3442	989	1	neukam	neukam	PROPN
fsr-3442	989	2	,	,	PUNCT
fsr-3442	989	3	k.	k.	PROPN
fsr-3442	989	4	a.	a.	PROPN
fsr-3442	989	5	,	,	PUNCT
fsr-3442	989	6	&	&	CCONJ
fsr-3442	989	7	hershey	hershey	PROPN
fsr-3442	989	8	,	,	PUNCT
fsr-3442	989	9	d.	d.	PROPN
fsr-3442	989	10	a.	a.	PROPN
fsr-3442	989	11	(	(	PUNCT
fsr-3442	989	12	2003	2003	NUM
fsr-3442	989	13	)	)	PUNCT
fsr-3442	989	14	.	.	PUNCT
fsr-3442	990	1	financial	financial	ADJ
fsr-3442	990	2	inhibition	inhibition	NOUN
fsr-3442	990	3	,	,	PUNCT
fsr-3442	990	4	financial	financial	ADJ
fsr-3442	990	5	activation	activation	NOUN
fsr-3442	990	6	,	,	PUNCT
fsr-3442	990	7	and	and	CCONJ
fsr-3442	990	8	saving	save	VERB
fsr-3442	990	9	for	for	ADP
fsr-3442	990	10	retirement	retirement	NOUN
fsr-3442	990	11	.	.	PUNCT
fsr-3442	991	1	financial	financial	ADJ
fsr-3442	991	2	services	services	PROPN
fsr-3442	991	3	review	review	PROPN
fsr-3442	991	4	,	,	PUNCT
fsr-3442	991	5	12	12	NUM
fsr-3442	991	6	,	,	PUNCT
fsr-3442	991	7	19	19	NUM
fsr-3442	991	8	-	-	SYM
fsr-3442	991	9	37	37	NUM
fsr-3442	991	10	.	.	PUNCT
fsr-3442	992	1	parrish	parrish	PROPN
fsr-3442	992	2	,	,	PUNCT
fsr-3442	992	3	l.	l.	PROPN
fsr-3442	992	4	,	,	PUNCT
fsr-3442	992	5	&	&	CCONJ
fsr-3442	992	6	servon	servon	PROPN
fsr-3442	992	7	,	,	PUNCT
fsr-3442	992	8	l.	l.	PROPN
fsr-3442	992	9	(	(	PUNCT
fsr-3442	992	10	2006	2006	NUM
fsr-3442	992	11	)	)	PUNCT
fsr-3442	992	12	.	.	PUNCT
fsr-3442	993	1	policy	policy	NOUN
fsr-3442	993	2	options	option	NOUN
fsr-3442	993	3	to	to	PART
fsr-3442	993	4	improve	improve	VERB
fsr-3442	993	5	financial	financial	ADJ
fsr-3442	993	6	education	education	NOUN
fsr-3442	993	7	:	:	PUNCT
fsr-3442	993	8	equipping	equip	VERB
fsr-3442	993	9	families	family	NOUN
fsr-3442	993	10	for	for	ADP
fsr-3442	993	11	their	their	PRON
fsr-3442	993	12	financial	financial	ADJ
fsr-3442	993	13	futures	future	NOUN
fsr-3442	993	14	.	.	PUNCT
fsr-3442	994	1	washington	washington	PROPN
fsr-3442	994	2	,	,	PUNCT
fsr-3442	994	3	dc	dc	PROPN
fsr-3442	994	4	:	:	PUNCT
fsr-3442	994	5	asset	asset	NOUN
fsr-3442	994	6	building	building	NOUN
fsr-3442	994	7	program	program	NOUN
fsr-3442	994	8	,	,	PUNCT
fsr-3442	994	9	new	new	PROPN
fsr-3442	994	10	america	america	PROPN
fsr-3442	994	11	foundation	foundation	PROPN
fsr-3442	994	12	.	.	PUNCT
fsr-3442	995	1	pew	pew	NOUN
fsr-3442	995	2	research	research	NOUN
fsr-3442	995	3	center	center	NOUN
fsr-3442	995	4	.	.	PUNCT
fsr-3442	996	1	(	(	PUNCT
fsr-3442	996	2	2018	2018	NUM
fsr-3442	996	3	)	)	PUNCT
fsr-3442	996	4	.	.	PUNCT
fsr-3442	997	1	mobile	mobile	ADJ
fsr-3442	997	2	fact	fact	NOUN
fsr-3442	997	3	sheet	sheet	NOUN
fsr-3442	997	4	.	.	PUNCT
fsr-3442	998	1	(	(	PUNCT
fsr-3442	998	2	available	available	ADJ
fsr-3442	998	3	at	at	ADP
fsr-3442	998	4	http://www.pewinternet.org/fact-sheet	http://www.pewinternet.org/fact-sheet	PROPN
fsr-3442	998	5	)	)	PUNCT
fsr-3442	998	6	powell	powell	PROPN
fsr-3442	998	7	,	,	PUNCT
fsr-3442	998	8	m.	m.	NOUN
fsr-3442	998	9	,	,	PUNCT
fsr-3442	998	10	&	&	CCONJ
fsr-3442	998	11	ansic	ansic	ADV
fsr-3442	998	12	,	,	PUNCT
fsr-3442	998	13	d.	d.	PROPN
fsr-3442	998	14	(	(	PUNCT
fsr-3442	998	15	1997	1997	NUM
fsr-3442	998	16	)	)	PUNCT
fsr-3442	998	17	.	.	PUNCT
fsr-3442	999	1	gender	gender	NOUN
fsr-3442	999	2	differences	difference	NOUN
fsr-3442	999	3	in	in	ADP
fsr-3442	999	4	risk	risk	NOUN
fsr-3442	999	5	behavior	behavior	NOUN
fsr-3442	999	6	in	in	ADP
fsr-3442	999	7	financial	financial	ADJ
fsr-3442	999	8	decision	decision	NOUN
fsr-3442	999	9	making	make	VERB
fsr-3442	999	10	:	:	PUNCT
fsr-3442	999	11	an	an	DET
fsr-3442	999	12	experimental	experimental	ADJ
fsr-3442	999	13	analysis	analysis	NOUN
fsr-3442	999	14	.	.	PUNCT
fsr-3442	1000	1	journal	journal	NOUN
fsr-3442	1000	2	of	of	ADP
fsr-3442	1000	3	economic	economic	ADJ
fsr-3442	1000	4	psychology	psychology	NOUN
fsr-3442	1000	5	,	,	PUNCT
fsr-3442	1000	6	18	18	NUM
fsr-3442	1000	7	,	,	PUNCT
fsr-3442	1000	8	605	605	NUM
fsr-3442	1000	9	-	-	SYM
fsr-3442	1000	10	628	628	NUM
fsr-3442	1000	11	.	.	PUNCT
fsr-3442	1001	1	rubin	rubin	PROPN
fsr-3442	1001	2	,	,	PUNCT
fsr-3442	1001	3	d.	d.	PROPN
fsr-3442	1001	4	(	(	PUNCT
fsr-3442	1001	5	1987).multiple	1987).multiple	NUM
fsr-3442	1001	6	imputation	imputation	NOUN
fsr-3442	1001	7	for	for	ADP
fsr-3442	1001	8	nonresponse	nonresponse	NOUN
fsr-3442	1001	9	in	in	ADP
fsr-3442	1001	10	surveys	survey	NOUN
fsr-3442	1001	11	.	.	PUNCT
fsr-3442	1002	1	new	new	PROPN
fsr-3442	1002	2	york	york	PROPN
fsr-3442	1002	3	,	,	PUNCT
fsr-3442	1002	4	ny	ny	PROPN
fsr-3442	1002	5	:	:	PUNCT
fsr-3442	1002	6	john	john	PROPN
fsr-3442	1002	7	wiley	wiley	PROPN
fsr-3442	1002	8	&	&	CCONJ
fsr-3442	1002	9	sons	son	NOUN
fsr-3442	1002	10	.	.	PUNCT
fsr-3442	1003	1	rutherford	rutherford	PROPN
fsr-3442	1003	2	,	,	PUNCT
fsr-3442	1003	3	l.	l.	PROPN
fsr-3442	1003	4	,	,	PUNCT
fsr-3442	1003	5	&	&	CCONJ
fsr-3442	1003	6	devaney	devaney	PROPN
fsr-3442	1003	7	,	,	PUNCT
fsr-3442	1003	8	s.	s.	PROPN
fsr-3442	1003	9	a.	a.	PROPN
fsr-3442	1003	10	(	(	PUNCT
fsr-3442	1003	11	2009	2009	NUM
fsr-3442	1003	12	)	)	PUNCT
fsr-3442	1003	13	.	.	PUNCT
fsr-3442	1004	1	utilizing	utilize	VERB
fsr-3442	1004	2	the	the	DET
fsr-3442	1004	3	theory	theory	NOUN
fsr-3442	1004	4	of	of	ADP
fsr-3442	1004	5	planned	plan	VERB
fsr-3442	1004	6	behavior	behavior	NOUN
fsr-3442	1004	7	to	to	PART
fsr-3442	1004	8	understand	understand	VERB
fsr-3442	1004	9	convenience	convenience	NOUN
fsr-3442	1004	10	use	use	NOUN
fsr-3442	1004	11	of	of	ADP
fsr-3442	1004	12	credit	credit	NOUN
fsr-3442	1004	13	cards	card	NOUN
fsr-3442	1004	14	.	.	PUNCT
fsr-3442	1005	1	journal	journal	NOUN
fsr-3442	1005	2	of	of	ADP
fsr-3442	1005	3	financial	financial	ADJ
fsr-3442	1005	4	counseling	counseling	NOUN
fsr-3442	1005	5	and	and	CCONJ
fsr-3442	1005	6	planning	planning	NOUN
fsr-3442	1005	7	,	,	PUNCT
fsr-3442	1005	8	20	20	NUM
fsr-3442	1005	9	,	,	PUNCT
fsr-3442	1005	10	48	48	NUM
fsr-3442	1005	11	-	-	SYM
fsr-3442	1005	12	63	63	NUM
fsr-3442	1005	13	.	.	PUNCT
fsr-3442	1006	1	servon	servon	PROPN
fsr-3442	1006	2	,	,	PUNCT
fsr-3442	1006	3	l.	l.	PROPN
fsr-3442	1006	4	j.	j.	PROPN
fsr-3442	1006	5	,	,	PUNCT
fsr-3442	1006	6	&	&	CCONJ
fsr-3442	1006	7	kaestner	kaestner	PROPN
fsr-3442	1006	8	,	,	PUNCT
fsr-3442	1006	9	r.	r.	PROPN
fsr-3442	1006	10	(	(	PUNCT
fsr-3442	1006	11	2008	2008	NUM
fsr-3442	1006	12	)	)	PUNCT
fsr-3442	1006	13	.	.	PUNCT
fsr-3442	1007	1	consumer	consumer	NOUN
fsr-3442	1007	2	financial	financial	ADJ
fsr-3442	1007	3	literacy	literacy	NOUN
fsr-3442	1007	4	and	and	CCONJ
fsr-3442	1007	5	the	the	DET
fsr-3442	1007	6	impact	impact	NOUN
fsr-3442	1007	7	of	of	ADP
fsr-3442	1007	8	online	online	ADJ
fsr-3442	1007	9	banking	banking	NOUN
fsr-3442	1007	10	on	on	ADP
fsr-3442	1007	11	the	the	DET
fsr-3442	1007	12	financial	financial	ADJ
fsr-3442	1007	13	behavior	behavior	NOUN
fsr-3442	1007	14	of	of	ADP
fsr-3442	1007	15	lower	low	ADJ
fsr-3442	1007	16	-	-	PUNCT
fsr-3442	1007	17	income	income	NOUN
fsr-3442	1007	18	bank	bank	NOUN
fsr-3442	1007	19	customers	customer	NOUN
fsr-3442	1007	20	.	.	PUNCT
fsr-3442	1008	1	journal	journal	PROPN
fsr-3442	1008	2	of	of	ADP
fsr-3442	1008	3	consumer	consumer	NOUN
fsr-3442	1008	4	affairs	affair	NOUN
fsr-3442	1008	5	,	,	PUNCT
fsr-3442	1008	6	42	42	NUM
fsr-3442	1008	7	,	,	PUNCT
fsr-3442	1008	8	271	271	NUM
fsr-3442	1008	9	-	-	SYM
fsr-3442	1008	10	305	305	NUM
fsr-3442	1008	11	.	.	PUNCT
fsr-3442	1009	1	q.	q.	PROPN
fsr-3442	1009	2	bi	bi	PROPN
fsr-3442	1009	3	et	et	PROPN
fsr-3442	1009	4	al	al	PROPN
fsr-3442	1009	5	.	.	PUNCT
fsr-3442	1009	6	/	/	SYM
fsr-3442	1009	7	financial	financial	ADJ
fsr-3442	1009	8	services	service	NOUN
fsr-3442	1009	9	review	review	VERB
fsr-3442	1009	10	29	29	NUM
fsr-3442	1009	11	(	(	PUNCT
fsr-3442	1009	12	2021	2021	NUM
fsr-3442	1009	13	)	)	PUNCT
fsr-3442	1009	14	29–54	29–54	NUM
fsr-3442	1009	15	53	53	NUM
fsr-3442	1009	16	shefrin	shefrin	NOUN
fsr-3442	1009	17	,	,	PUNCT
fsr-3442	1009	18	h.	h.	PROPN
fsr-3442	1009	19	m.	m.	PROPN
fsr-3442	1009	20	,	,	PUNCT
fsr-3442	1009	21	&	&	CCONJ
fsr-3442	1009	22	thaler	thaler	PROPN
fsr-3442	1009	23	,	,	PUNCT
fsr-3442	1009	24	r.	r.	PROPN
fsr-3442	1009	25	h.	h.	PROPN
fsr-3442	1009	26	(	(	PUNCT
fsr-3442	1009	27	1981	1981	NUM
fsr-3442	1009	28	)	)	PUNCT
fsr-3442	1009	29	.	.	PUNCT
fsr-3442	1010	1	an	an	DET
fsr-3442	1010	2	economic	economic	ADJ
fsr-3442	1010	3	theory	theory	NOUN
fsr-3442	1010	4	of	of	ADP
fsr-3442	1010	5	self	self	NOUN
fsr-3442	1010	6	-	-	PUNCT
fsr-3442	1010	7	control	control	NOUN
fsr-3442	1010	8	.	.	PUNCT
fsr-3442	1011	1	journal	journal	NOUN
fsr-3442	1011	2	of	of	ADP
fsr-3442	1011	3	political	political	ADJ
fsr-3442	1011	4	economy	economy	NOUN
fsr-3442	1011	5	,	,	PUNCT
fsr-3442	1011	6	89	89	NUM
fsr-3442	1011	7	,	,	PUNCT
fsr-3442	1011	8	392	392	NUM
fsr-3442	1011	9	-	-	SYM
fsr-3442	1011	10	406	406	NUM
fsr-3442	1011	11	.	.	PUNCT
fsr-3442	1012	1	shim	shim	NOUN
fsr-3442	1012	2	,	,	PUNCT
fsr-3442	1012	3	s.	s.	PROPN
fsr-3442	1012	4	,	,	PUNCT
fsr-3442	1012	5	xiao	xiao	PROPN
fsr-3442	1012	6	,	,	PUNCT
fsr-3442	1012	7	j.	j.	PROPN
fsr-3442	1012	8	j.	j.	PROPN
fsr-3442	1012	9	,	,	PUNCT
fsr-3442	1012	10	barber	barber	PROPN
fsr-3442	1012	11	,	,	PUNCT
fsr-3442	1012	12	b.	b.	PROPN
fsr-3442	1012	13	,	,	PUNCT
fsr-3442	1012	14	&	&	CCONJ
fsr-3442	1012	15	lyons	lyons	PROPN
fsr-3442	1012	16	,	,	PUNCT
fsr-3442	1012	17	a.	a.	NOUN
fsr-3442	1012	18	(	(	PUNCT
fsr-3442	1012	19	2009	2009	NUM
fsr-3442	1012	20	)	)	PUNCT
fsr-3442	1012	21	.	.	PUNCT
fsr-3442	1013	1	pathways	pathway	NOUN
fsr-3442	1013	2	to	to	ADP
fsr-3442	1013	3	success	success	NOUN
fsr-3442	1013	4	:	:	PUNCT
fsr-3442	1013	5	a	a	DET
fsr-3442	1013	6	model	model	NOUN
fsr-3442	1013	7	of	of	ADP
fsr-3442	1013	8	financial	financial	ADJ
fsr-3442	1013	9	well	well	NOUN
fsr-3442	1013	10	-	-	PUNCT
fsr-3442	1013	11	being	being	NOUN
fsr-3442	1013	12	of	of	ADP
fsr-3442	1013	13	young	young	ADJ
fsr-3442	1013	14	adults	adult	NOUN
fsr-3442	1013	15	.	.	PUNCT
fsr-3442	1014	1	journal	journal	NOUN
fsr-3442	1014	2	of	of	ADP
fsr-3442	1014	3	applied	apply	VERB
fsr-3442	1014	4	developmental	developmental	ADJ
fsr-3442	1014	5	psychology	psychology	NOUN
fsr-3442	1014	6	,	,	PUNCT
fsr-3442	1014	7	30	30	NUM
fsr-3442	1014	8	,	,	PUNCT
fsr-3442	1014	9	708	708	NUM
fsr-3442	1014	10	-	-	SYM
fsr-3442	1014	11	723	723	NUM
fsr-3442	1014	12	.	.	PUNCT
fsr-3442	1015	1	smith	smith	PROPN
fsr-3442	1015	2	,	,	PUNCT
fsr-3442	1015	3	h.	h.	PROPN
fsr-3442	1015	4	l.	l.	PROPN
fsr-3442	1015	5	,	,	PUNCT
fsr-3442	1015	6	finke	finke	PROPN
fsr-3442	1015	7	,	,	PUNCT
fsr-3442	1015	8	m.	m.	NOUN
fsr-3442	1015	9	s.	s.	PROPN
fsr-3442	1015	10	,	,	PUNCT
fsr-3442	1015	11	&	&	CCONJ
fsr-3442	1015	12	huston	huston	PROPN
fsr-3442	1015	13	,	,	PUNCT
fsr-3442	1015	14	s.	s.	PROPN
fsr-3442	1015	15	j.	j.	PROPN
fsr-3442	1015	16	(	(	PUNCT
fsr-3442	1015	17	2011	2011	NUM
fsr-3442	1015	18	)	)	PUNCT
fsr-3442	1015	19	.	.	PUNCT
fsr-3442	1016	1	the	the	DET
fsr-3442	1016	2	impact	impact	NOUN
fsr-3442	1016	3	of	of	ADP
fsr-3442	1016	4	financial	financial	ADJ
fsr-3442	1016	5	sophistication	sophistication	NOUN
fsr-3442	1016	6	on	on	ADP
fsr-3442	1016	7	adjustable	adjustable	ADJ
fsr-3442	1016	8	rate	rate	NOUN
fsr-3442	1016	9	mortgage	mortgage	NOUN
fsr-3442	1016	10	ownership	ownership	NOUN
fsr-3442	1016	11	.	.	PUNCT
fsr-3442	1017	1	journal	journal	NOUN
fsr-3442	1017	2	of	of	ADP
fsr-3442	1017	3	financial	financial	ADJ
fsr-3442	1017	4	counseling	counseling	NOUN
fsr-3442	1017	5	and	and	CCONJ
fsr-3442	1017	6	planning	planning	NOUN
fsr-3442	1017	7	,	,	PUNCT
fsr-3442	1017	8	22	22	NUM
fsr-3442	1017	9	,	,	PUNCT
fsr-3442	1017	10	3	3	NUM
fsr-3442	1017	11	-	-	SYM
fsr-3442	1017	12	15	15	NUM
fsr-3442	1017	13	.	.	PUNCT
fsr-3442	1018	1	smith	smith	PROPN
fsr-3442	1018	2	,	,	PUNCT
fsr-3442	1018	3	h.	h.	PROPN
fsr-3442	1018	4	l.	l.	PROPN
fsr-3442	1018	5	,	,	PUNCT
fsr-3442	1018	6	finke	finke	PROPN
fsr-3442	1018	7	,	,	PUNCT
fsr-3442	1018	8	m.	m.	NOUN
fsr-3442	1018	9	s.	s.	PROPN
fsr-3442	1018	10	,	,	PUNCT
fsr-3442	1018	11	&	&	CCONJ
fsr-3442	1018	12	huston	huston	PROPN
fsr-3442	1018	13	,	,	PUNCT
fsr-3442	1018	14	s.	s.	PROPN
fsr-3442	1018	15	j.	j.	PROPN
fsr-3442	1018	16	(	(	PUNCT
fsr-3442	1018	17	2012a	2012a	NUM
fsr-3442	1018	18	)	)	PUNCT
fsr-3442	1018	19	.	.	PUNCT
fsr-3442	1019	1	financial	financial	ADJ
fsr-3442	1019	2	sophistication	sophistication	NOUN
fsr-3442	1019	3	and	and	CCONJ
fsr-3442	1019	4	housing	housing	NOUN
fsr-3442	1019	5	leverage	leverage	NOUN
fsr-3442	1019	6	among	among	ADP
fsr-3442	1019	7	older	old	ADJ
fsr-3442	1019	8	households	household	NOUN
fsr-3442	1019	9	.	.	PUNCT
fsr-3442	1020	1	journal	journal	NOUN
fsr-3442	1020	2	of	of	ADP
fsr-3442	1020	3	family	family	NOUN
fsr-3442	1020	4	and	and	CCONJ
fsr-3442	1020	5	economic	economic	ADJ
fsr-3442	1020	6	issues	issue	NOUN
fsr-3442	1020	7	,	,	PUNCT
fsr-3442	1020	8	33	33	NUM
fsr-3442	1020	9	,	,	PUNCT
fsr-3442	1020	10	315	315	NUM
fsr-3442	1020	11	-	-	SYM
fsr-3442	1020	12	327	327	NUM
fsr-3442	1020	13	.	.	PUNCT
fsr-3442	1021	1	smith	smith	PROPN
fsr-3442	1021	2	,	,	PUNCT
fsr-3442	1021	3	h.	h.	PROPN
fsr-3442	1021	4	l.	l.	PROPN
fsr-3442	1021	5	,	,	PUNCT
fsr-3442	1021	6	finke	finke	PROPN
fsr-3442	1021	7	,	,	PUNCT
fsr-3442	1021	8	m.	m.	NOUN
fsr-3442	1021	9	s.	s.	PROPN
fsr-3442	1021	10	,	,	PUNCT
fsr-3442	1021	11	&	&	CCONJ
fsr-3442	1021	12	huston	huston	PROPN
fsr-3442	1021	13	,	,	PUNCT
fsr-3442	1021	14	s.	s.	PROPN
fsr-3442	1021	15	j.	j.	PROPN
fsr-3442	1021	16	(	(	PUNCT
fsr-3442	1021	17	2012b	2012b	NUM
fsr-3442	1021	18	)	)	PUNCT
fsr-3442	1021	19	.	.	PUNCT
fsr-3442	1022	1	the	the	DET
fsr-3442	1022	2	influence	influence	NOUN
fsr-3442	1022	3	of	of	ADP
fsr-3442	1022	4	financial	financial	ADJ
fsr-3442	1022	5	sophistication	sophistication	NOUN
fsr-3442	1022	6	and	and	CCONJ
fsr-3442	1022	7	financial	financial	ADJ
fsr-3442	1022	8	planners	planner	NOUN
fsr-3442	1022	9	on	on	ADP
fsr-3442	1022	10	roth	roth	PROPN
fsr-3442	1022	11	ira	ira	PROPN
fsr-3442	1022	12	ownership	ownership	PROPN
fsr-3442	1022	13	.	.	PUNCT
fsr-3442	1023	1	journal	journal	NOUN
fsr-3442	1023	2	of	of	ADP
fsr-3442	1023	3	financial	financial	ADJ
fsr-3442	1023	4	service	service	NOUN
fsr-3442	1023	5	professionals	professional	NOUN
fsr-3442	1023	6	,	,	PUNCT
fsr-3442	1023	7	66	66	NUM
fsr-3442	1023	8	,	,	PUNCT
fsr-3442	1023	9	69	69	NUM
fsr-3442	1023	10	-	-	SYM
fsr-3442	1023	11	81	81	NUM
fsr-3442	1023	12	.	.	PUNCT
fsr-3442	1024	1	social	social	ADJ
fsr-3442	1024	2	security	security	PROPN
fsr-3442	1024	3	administration	administration	NOUN
fsr-3442	1024	4	(	(	PUNCT
fsr-3442	1024	5	2019	2019	NUM
fsr-3442	1024	6	)	)	PUNCT
fsr-3442	1024	7	.	.	PUNCT
fsr-3442	1025	1	disability	disability	NOUN
fsr-3442	1025	2	benefits	benefit	NOUN
fsr-3442	1025	3	.	.	PUNCT
fsr-3442	1026	1	ssa	ssa	NOUN
fsr-3442	1026	2	publication	publication	NOUN
fsr-3442	1026	3	no	no	INTJ
fsr-3442	1026	4	.	.	PROPN
fsr-3442	1026	5	05	05	NUM
fsr-3442	1026	6	-	-	SYM
fsr-3442	1026	7	10029	10029	NUM
fsr-3442	1026	8	.	.	PUNCT
fsr-3442	1027	1	icn	icn	PROPN
fsr-3442	1027	2	456000	456000	NUM
fsr-3442	1027	3	.	.	PUNCT
fsr-3442	1028	1	baltimore	baltimore	PROPN
fsr-3442	1028	2	,	,	PUNCT
fsr-3442	1028	3	md	md	PROPN
fsr-3442	1028	4	(	(	PUNCT
fsr-3442	1028	5	july	july	PROPN
fsr-3442	1028	6	)	)	PUNCT
fsr-3442	1028	7	.	.	PUNCT
fsr-3442	1029	1	son	son	PROPN
fsr-3442	1029	2	,	,	PUNCT
fsr-3442	1029	3	j.	j.	PROPN
fsr-3442	1029	4	,	,	PUNCT
fsr-3442	1029	5	&	&	CCONJ
fsr-3442	1029	6	hanna	hanna	PROPN
fsr-3442	1029	7	,	,	PUNCT
fsr-3442	1029	8	s.	s.	PROPN
fsr-3442	1029	9	(	(	PUNCT
fsr-3442	1029	10	2011	2011	NUM
fsr-3442	1029	11	)	)	PUNCT
fsr-3442	1029	12	.	.	PUNCT
fsr-3442	1030	1	the	the	DET
fsr-3442	1030	2	relation	relation	NOUN
fsr-3442	1030	3	between	between	ADP
fsr-3442	1030	4	internet	internet	NOUN
fsr-3442	1030	5	use	use	NOUN
fsr-3442	1030	6	and	and	CCONJ
fsr-3442	1030	7	financial	financial	ADJ
fsr-3442	1030	8	planner	planner	NOUN
fsr-3442	1030	9	use	use	NOUN
fsr-3442	1030	10	for	for	ADP
fsr-3442	1030	11	savings	saving	NOUN
fsr-3442	1030	12	and	and	CCONJ
fsr-3442	1030	13	investment	investment	NOUN
fsr-3442	1030	14	decisions	decision	NOUN
fsr-3442	1030	15	.	.	PUNCT
fsr-3442	1031	1	proceedings	proceeding	NOUN
fsr-3442	1031	2	of	of	ADP
fsr-3442	1031	3	the	the	DET
fsr-3442	1031	4	academy	academy	NOUN
fsr-3442	1031	5	of	of	ADP
fsr-3442	1031	6	financial	financial	ADJ
fsr-3442	1031	7	services	service	NOUN
fsr-3442	1031	8	.	.	PUNCT
fsr-3442	1032	1	stapleton	stapleton	PROPN
fsr-3442	1032	2	,	,	PUNCT
fsr-3442	1032	3	d.	d.	PROPN
fsr-3442	1032	4	c.	c.	PROPN
fsr-3442	1032	5	,	,	PUNCT
fsr-3442	1032	6	o’day	o’day	PROPN
fsr-3442	1032	7	,	,	PUNCT
fsr-3442	1032	8	b.	b.	PROPN
fsr-3442	1032	9	l.	l.	PROPN
fsr-3442	1032	10	,	,	PUNCT
fsr-3442	1032	11	livermore	livermore	PROPN
fsr-3442	1032	12	,	,	PUNCT
fsr-3442	1032	13	g.	g.	PROPN
fsr-3442	1032	14	a.	a.	PROPN
fsr-3442	1032	15	,	,	PUNCT
fsr-3442	1032	16	&	&	CCONJ
fsr-3442	1032	17	imparato	imparato	PROPN
fsr-3442	1032	18	,	,	PUNCT
fsr-3442	1032	19	a.	a.	PROPN
fsr-3442	1032	20	j.	j.	PROPN
fsr-3442	1032	21	(	(	PUNCT
fsr-3442	1032	22	2006	2006	NUM
fsr-3442	1032	23	)	)	PUNCT
fsr-3442	1032	24	.	.	PUNCT
fsr-3442	1033	1	dismantling	dismantle	VERB
fsr-3442	1033	2	the	the	DET
fsr-3442	1033	3	poverty	poverty	NOUN
fsr-3442	1033	4	trap	trap	NOUN
fsr-3442	1033	5	:	:	PUNCT
fsr-3442	1033	6	disability	disability	NOUN
fsr-3442	1033	7	policy	policy	NOUN
fsr-3442	1033	8	for	for	ADP
fsr-3442	1033	9	the	the	DET
fsr-3442	1033	10	twenty	twenty	NUM
fsr-3442	1033	11	-	-	PUNCT
fsr-3442	1033	12	first	first	ADJ
fsr-3442	1033	13	century	century	NOUN
fsr-3442	1033	14	.	.	PUNCT
fsr-3442	1034	1	the	the	DET
fsr-3442	1034	2	milbank	milbank	PROPN
fsr-3442	1034	3	quarterly	quarterly	PROPN
fsr-3442	1034	4	,	,	PUNCT
fsr-3442	1034	5	84	84	NUM
fsr-3442	1034	6	,	,	PUNCT
fsr-3442	1034	7	701	701	NUM
fsr-3442	1034	8	-	-	SYM
fsr-3442	1034	9	732	732	NUM
fsr-3442	1034	10	.	.	PUNCT
fsr-3442	1034	11	stawski	stawski	PROPN
fsr-3442	1034	12	,	,	PUNCT
fsr-3442	1034	13	r.	r.	PROPN
fsr-3442	1034	14	s.	s.	PROPN
fsr-3442	1034	15	,	,	PUNCT
fsr-3442	1034	16	hershey	hershey	PROPN
fsr-3442	1034	17	,	,	PUNCT
fsr-3442	1034	18	d.	d.	PROPN
fsr-3442	1034	19	a.	a.	PROPN
fsr-3442	1034	20	,	,	PUNCT
fsr-3442	1034	21	&	&	CCONJ
fsr-3442	1034	22	jacobs	jacobs	PROPN
fsr-3442	1034	23	-	-	PUNCT
fsr-3442	1034	24	lawson	lawson	PROPN
fsr-3442	1034	25	,	,	PUNCT
fsr-3442	1034	26	j.	j.	PROPN
fsr-3442	1034	27	m.	m.	PROPN
fsr-3442	1034	28	(	(	PUNCT
fsr-3442	1034	29	2007	2007	NUM
fsr-3442	1034	30	)	)	PUNCT
fsr-3442	1034	31	.	.	PUNCT
fsr-3442	1035	1	goal	goal	NOUN
fsr-3442	1035	2	clarity	clarity	NOUN
fsr-3442	1035	3	and	and	CCONJ
fsr-3442	1035	4	financial	financial	ADJ
fsr-3442	1035	5	planning	planning	NOUN
fsr-3442	1035	6	activities	activity	NOUN
fsr-3442	1035	7	as	as	ADP
fsr-3442	1035	8	determinants	determinant	NOUN
fsr-3442	1035	9	of	of	ADP
fsr-3442	1035	10	retirement	retirement	NOUN
fsr-3442	1035	11	savings	saving	NOUN
fsr-3442	1035	12	contributions	contribution	NOUN
fsr-3442	1035	13	.	.	PUNCT
fsr-3442	1036	1	international	international	ADJ
fsr-3442	1036	2	journal	journal	NOUN
fsr-3442	1036	3	of	of	ADP
fsr-3442	1036	4	aging	aging	NOUN
fsr-3442	1036	5	&	&	CCONJ
fsr-3442	1036	6	human	human	ADJ
fsr-3442	1036	7	development	development	NOUN
fsr-3442	1036	8	,	,	PUNCT
fsr-3442	1036	9	64	64	NUM
fsr-3442	1036	10	,	,	PUNCT
fsr-3442	1036	11	13	13	NUM
fsr-3442	1036	12	-	-	SYM
fsr-3442	1036	13	32	32	NUM
fsr-3442	1036	14	.	.	PUNCT
fsr-3442	1037	1	stoneman	stoneman	PROPN
fsr-3442	1037	2	,	,	PUNCT
fsr-3442	1037	3	p.	p.	PROPN
fsr-3442	1037	4	,	,	PUNCT
fsr-3442	1037	5	&	&	CCONJ
fsr-3442	1037	6	kwon	kwon	PROPN
fsr-3442	1037	7	,	,	PUNCT
fsr-3442	1037	8	m.	m.	NOUN
fsr-3442	1037	9	j.	j.	PROPN
fsr-3442	1037	10	(	(	PUNCT
fsr-3442	1037	11	1994	1994	NUM
fsr-3442	1037	12	)	)	PUNCT
fsr-3442	1037	13	.	.	PUNCT
fsr-3442	1038	1	the	the	DET
fsr-3442	1038	2	diffusion	diffusion	NOUN
fsr-3442	1038	3	of	of	ADP
fsr-3442	1038	4	multiple	multiple	ADJ
fsr-3442	1038	5	process	process	NOUN
fsr-3442	1038	6	technologies	technology	NOUN
fsr-3442	1038	7	.	.	PUNCT
fsr-3442	1039	1	the	the	DET
fsr-3442	1039	2	economic	economic	ADJ
fsr-3442	1039	3	journal	journal	NOUN
fsr-3442	1039	4	,	,	PUNCT
fsr-3442	1039	5	104	104	NUM
fsr-3442	1039	6	,	,	PUNCT
fsr-3442	1039	7	420	420	NUM
fsr-3442	1039	8	-	-	SYM
fsr-3442	1039	9	431	431	NUM
fsr-3442	1039	10	.	.	PUNCT
fsr-3442	1040	1	strömbäck	strömbäck	PROPN
fsr-3442	1040	2	,	,	PUNCT
fsr-3442	1040	3	c.	c.	PROPN
fsr-3442	1040	4	,	,	PUNCT
fsr-3442	1040	5	lind	lind	PROPN
fsr-3442	1040	6	,	,	PUNCT
fsr-3442	1040	7	t.	t.	PROPN
fsr-3442	1040	8	,	,	PUNCT
fsr-3442	1040	9	skagerlund	skagerlund	PROPN
fsr-3442	1040	10	,	,	PUNCT
fsr-3442	1040	11	k.	k.	PROPN
fsr-3442	1040	12	,	,	PUNCT
fsr-3442	1040	13	västfjäll	västfjäll	PROPN
fsr-3442	1040	14	,	,	PUNCT
fsr-3442	1040	15	d.	d.	PROPN
fsr-3442	1040	16	,	,	PUNCT
fsr-3442	1040	17	&	&	CCONJ
fsr-3442	1040	18	tinghög	tinghög	PROPN
fsr-3442	1040	19	,	,	PUNCT
fsr-3442	1040	20	g.	g.	PROPN
fsr-3442	1040	21	(	(	PUNCT
fsr-3442	1040	22	2017	2017	NUM
fsr-3442	1040	23	)	)	PUNCT
fsr-3442	1040	24	.	.	PUNCT
fsr-3442	1041	1	does	do	AUX
fsr-3442	1041	2	self	self	NOUN
fsr-3442	1041	3	-	-	PUNCT
fsr-3442	1041	4	control	control	NOUN
fsr-3442	1041	5	predict	predict	VERB
fsr-3442	1041	6	financial	financial	ADJ
fsr-3442	1041	7	behavior	behavior	NOUN
fsr-3442	1041	8	and	and	CCONJ
fsr-3442	1041	9	financial	financial	ADJ
fsr-3442	1041	10	well	well	NOUN
fsr-3442	1041	11	-	-	PUNCT
fsr-3442	1041	12	being	being	NOUN
fsr-3442	1041	13	?	?	PUNCT
fsr-3442	1042	1	journal	journal	NOUN
fsr-3442	1042	2	of	of	ADP
fsr-3442	1042	3	behavioral	behavioral	ADJ
fsr-3442	1042	4	and	and	CCONJ
fsr-3442	1042	5	experimental	experimental	ADJ
fsr-3442	1042	6	finance	finance	NOUN
fsr-3442	1042	7	,	,	PUNCT
fsr-3442	1042	8	14	14	NUM
fsr-3442	1042	9	,	,	PUNCT
fsr-3442	1042	10	30	30	NUM
fsr-3442	1042	11	-	-	SYM
fsr-3442	1042	12	38	38	NUM
fsr-3442	1042	13	.	.	PUNCT
fsr-3442	1043	1	willis	willis	PROPN
fsr-3442	1043	2	,	,	PUNCT
fsr-3442	1043	3	l.	l.	PROPN
fsr-3442	1043	4	e.	e.	PROPN
fsr-3442	1043	5	(	(	PUNCT
fsr-3442	1043	6	2008	2008	NUM
fsr-3442	1043	7	)	)	PUNCT
fsr-3442	1043	8	.	.	PUNCT
fsr-3442	1044	1	against	against	ADP
fsr-3442	1044	2	financial	financial	ADJ
fsr-3442	1044	3	literacy	literacy	NOUN
fsr-3442	1044	4	education	education	NOUN
fsr-3442	1044	5	.	.	PUNCT
fsr-3442	1045	1	iowa	iowa	PROPN
fsr-3442	1045	2	law	law	PROPN
fsr-3442	1045	3	review	review	PROPN
fsr-3442	1045	4	,	,	PUNCT
fsr-3442	1045	5	94	94	NUM
fsr-3442	1045	6	,	,	PUNCT
fsr-3442	1045	7	08	08	NUM
fsr-3442	1045	8	-	-	SYM
fsr-3442	1045	9	10	10	NUM
fsr-3442	1045	10	.	.	PUNCT
fsr-3442	1045	11	worthy	worthy	ADJ
fsr-3442	1045	12	,	,	PUNCT
fsr-3442	1045	13	s.	s.	PROPN
fsr-3442	1045	14	l.	l.	PROPN
fsr-3442	1045	15	,	,	PUNCT
fsr-3442	1045	16	jonkman	jonkman	NOUN
fsr-3442	1045	17	,	,	PUNCT
fsr-3442	1045	18	j.	j.	PROPN
fsr-3442	1045	19	,	,	PUNCT
fsr-3442	1045	20	&	&	CCONJ
fsr-3442	1045	21	pike	pike	PROPN
fsr-3442	1045	22	,	,	PUNCT
fsr-3442	1045	23	l.	l.	PROPN
fsr-3442	1045	24	b.	b.	PROPN
fsr-3442	1045	25	(	(	PUNCT
fsr-3442	1045	26	2010	2010	NUM
fsr-3442	1045	27	)	)	PUNCT
fsr-3442	1045	28	.	.	PUNCT
fsr-3442	1046	1	sensation	sensation	NOUN
fsr-3442	1046	2	-	-	PUNCT
fsr-3442	1046	3	seeking	seeking	NOUN
fsr-3442	1046	4	,	,	PUNCT
fsr-3442	1046	5	risk	risk	NOUN
fsr-3442	1046	6	-	-	PUNCT
fsr-3442	1046	7	taking	taking	NOUN
fsr-3442	1046	8	,	,	PUNCT
fsr-3442	1046	9	and	and	CCONJ
fsr-3442	1046	10	problematic	problematic	ADJ
fsr-3442	1046	11	financial	financial	ADJ
fsr-3442	1046	12	behaviors	behavior	NOUN
fsr-3442	1046	13	of	of	ADP
fsr-3442	1046	14	college	college	NOUN
fsr-3442	1046	15	students	student	NOUN
fsr-3442	1046	16	.	.	PUNCT
fsr-3442	1047	1	journal	journal	PROPN
fsr-3442	1047	2	of	of	ADP
fsr-3442	1047	3	family	family	NOUN
fsr-3442	1047	4	and	and	CCONJ
fsr-3442	1047	5	economic	economic	ADJ
fsr-3442	1047	6	issues	issue	NOUN
fsr-3442	1047	7	,	,	PUNCT
fsr-3442	1047	8	31	31	NUM
fsr-3442	1047	9	,	,	PUNCT
fsr-3442	1047	10	161	161	NUM
fsr-3442	1047	11	-	-	SYM
fsr-3442	1047	12	170	170	NUM
fsr-3442	1047	13	.	.	PUNCT
fsr-3442	1048	1	xiao	xiao	PROPN
fsr-3442	1048	2	,	,	PUNCT
fsr-3442	1048	3	j.	j.	PROPN
fsr-3442	1048	4	j.	j.	PROPN
fsr-3442	1048	5	,	,	PUNCT
fsr-3442	1048	6	shim	shim	NOUN
fsr-3442	1048	7	,	,	PUNCT
fsr-3442	1048	8	s.	s.	PROPN
fsr-3442	1048	9	,	,	PUNCT
fsr-3442	1048	10	barber	barber	PROPN
fsr-3442	1048	11	,	,	PUNCT
fsr-3442	1048	12	b.	b.	PROPN
fsr-3442	1048	13	,	,	PUNCT
fsr-3442	1048	14	&	&	CCONJ
fsr-3442	1048	15	lyons	lyons	PROPN
fsr-3442	1048	16	,	,	PUNCT
fsr-3442	1048	17	a.	a.	NOUN
fsr-3442	1048	18	(	(	PUNCT
fsr-3442	1048	19	2007	2007	NUM
fsr-3442	1048	20	)	)	PUNCT
fsr-3442	1048	21	.	.	PUNCT
fsr-3442	1049	1	academic	academic	ADJ
fsr-3442	1049	2	success	success	NOUN
fsr-3442	1049	3	and	and	CCONJ
fsr-3442	1049	4	well	well	ADV
fsr-3442	1049	5	-	-	PUNCT
fsr-3442	1049	6	being	being	NOUN
fsr-3442	1049	7	of	of	ADP
fsr-3442	1049	8	college	college	NOUN
fsr-3442	1049	9	students	student	NOUN
fsr-3442	1049	10	:	:	PUNCT
fsr-3442	1049	11	financial	financial	ADJ
fsr-3442	1049	12	behaviors	behavior	NOUN
fsr-3442	1049	13	matter	matter	VERB
fsr-3442	1049	14	(	(	PUNCT
fsr-3442	1049	15	tcai	tcai	NOUN
fsr-3442	1049	16	report	report	NOUN
fsr-3442	1049	17	)	)	PUNCT
fsr-3442	1049	18	.	.	PUNCT
fsr-3442	1050	1	tucson	tucson	PROPN
fsr-3442	1050	2	,	,	PUNCT
fsr-3442	1050	3	az	az	PROPN
fsr-3442	1050	4	:	:	PUNCT
fsr-3442	1050	5	university	university	PROPN
fsr-3442	1050	6	of	of	ADP
fsr-3442	1050	7	arizona	arizona	PROPN
fsr-3442	1050	8	.	.	PUNCT
fsr-3442	1051	1	54	54	NUM
fsr-3442	1051	2	q.	q.	PROPN
fsr-3442	1051	3	bi	bi	NOUN
fsr-3442	1051	4	et	et	PROPN
fsr-3442	1051	5	al	al	PROPN
fsr-3442	1051	6	.	.	PUNCT
fsr-3442	1051	7	/	/	SYM
fsr-3442	1051	8	financial	financial	ADJ
fsr-3442	1051	9	services	service	NOUN
fsr-3442	1051	10	review	review	VERB
fsr-3442	1051	11	29	29	NUM
fsr-3442	1051	12	(	(	PUNCT
fsr-3442	1051	13	2021	2021	NUM
fsr-3442	1051	14	)	)	PUNCT
fsr-3442	1051	15	29–54	29–54	NUM